HomeMy WebLinkAbout06-21-07 (2)
REV-1600 EX (8-lq REV-1500 OFFICIAL USE ONLY
. - COMMONWEALTH OF
PENNSYlVANIA INHERITANCE TAX RETURN
DEPARTMENT OF REVENUE FILE NUMBER
DEPT. 280601 RESIDENT DECEDENT 21-07-0067
HARRISBURG, PA 17128-0601 -- -- - NiiiiER---
ca.NIY CODE YeAR
DECEDENT'S NAME (lAST, FRST, AND MIDOI.E INITIAL) socw. SECURI1Y NlMlER
I- Yinger, Colleen M. 11'7-1.'1-' 006
Z
W DATE a: DEATH (tMOI).YEAR) DATE OF BRTH (W-DD-YEAR) 1HS RE1\JRN MUSI' BE FILS) IN DlJlIJCATEYemI nE
C
W 01-04-2007 01-24-1928 REGISTER OF WILLS
hi
(F APPUCABLE) ~ SPOUSE'S NAME (LAST, FIRST, AND MOOLE INITIAL) SOCIAL seCURI1Y NUMBER
C
none 177-24-6006
w 0 1. ClrIgk18l ReIIm 0 2. SUppJemenlal ReIum 0 3. Remainder ReIIm .. ti clIIIh jlIIat 11112-1M2)
~
~!!i:~ o 4. LkriIad EslsIe 0 4a Fubn tIlerest Compromise (dII. of deIIh...12-12-82j 0 5. Federal Est&e T811 ReIIm Reqund
fdf8
Glil ~ 6. DececIeri DIed TeslD (Aladll:llll'/ of \W) 0 7. Decedert Maidained a Uving Trust (AIIIch capf of Trull) _ 8. Teal Nlmber cI safe DeposIt BCIIIlS
o 9. UigIlIaI Proc:eeds Received 010. Spousal poverty Crella (dela of deeIh ....12-31-811l1111-1.a5l o 11. EIecllon to tsK 1Ild. See. 9113(A) (AIlIdISciII 0)
... ::::::::18S::~C'I1ON:"USTBE.~PL.mO;.:AU:..~PONOEHCE.AND.:~r.u.~AtlON:$JfOQU):..DIRECTEO:TO:.::::: :
ffi MAE CCJRETE MAI.m ADDRESS
c SAMUEL L. ANDES
z
~ FRM tw.E (If AP:af*) P.O. BOX 168
~ TB.EPHONE NUMBER LEMOYNE, PA 17043
8 717-761-5361
1. ReBI EslaIe (Schedule A) (1) 100,000.00 OFFICIAL USE ONLY
2. SIocks and Balds (Schedule B) (2)
3. Closely Held CcrpcnIial. Pnwship or SoWroprieIorship (3)
4. Mortgages & Noles ReceIvable (Schedule 0) (4) r-.>
C'CO :::0
5. Cash, an DepceIs & M1sce1aneals Personal Property (5) 96,522.29 (J co:>
Co -.I ~~
Z (Schedlil E) s:.:u L_
0 CO-o c-
6. JcHIy Ownlld PRlper1y (Sc:hecIlil F) (6) r.n :r: ("') "...,...
......
~ o SepnIe _ Requested (1 ~ Fn N f"li ff1
-..".4:0 - :):1 CJ
8,812.44 ::.::.: (j) ^ C:) c:>
7. IrIer-VIvoI TrnfIn & t.IsceIIaneous Non-Probate Property (7) 0
::) 00 "" -'i1 :~Tl
t: (Schedlil G or L) de:: ......... ::::.:c)
~ 8. Total Gr.- AIIIII (1daI Liles 1 . 7) (8) 205,334.73; ~ w ,--- rn
r-
:g r r, ~....-")..
13,049.63 N -"'i
~ 9. FlIInI Expenses &AdninistraIMl Costs (SchedUe H) (9) 0
10. Debts cI Decedert, t.btgage UabiIIIes, & Liens (Schedule ~ (10)
11. Total DecU:tIanI (1daI Li1ea 9 & 10) (11) 13,049.63
12. Net VlIIIII afEstlla(lil8 8rni1JS Une 11) (12) 192,285.10
13. Ch8ilIbIe and GclYermleIUI BequesIsISec 9113 Trusts for which an eIecIIon 10 tax has rd been (13) 0.00
made (Schedlil J)
14. Net VlIIIIIll&IijlCt to Tal (I.il812 mlrUI Li1e 13) (14) 192,285.10
SEE INS1Rl.IC1'KHI FORAPPUCASLE RATES
Z 15. Arnclft d LIne 14 taxable IIlhlpOOS8l tsK
0
- rate, crtnfn IIIlIer See. 9118 (8)(1.2) x.O_ (15)
~ $192,285.10 x.045 $8,652.83
5 18. Anlc:lld d Une 141allllb1e IIlIInelll nO (18)
a. 17. Anlc:lld d Line 141allllb1e III slbIing nO X .12 (17)
:&
8 18. Arnclft cI Une 14 taxable III alIIaIInI nO X .15 (18)
~ 19. Tax DIll (19) $8,652.83
o I~HEREH y H mnu:QOE$NG HRSFUNoOF:AN~ HeNri
2l1. :. .:.. .:If:. 00:. H. .:.. .. .:0. A H H.. .: ..:.:HH. ....1'fM ...:
. ...... .. . . . . ............ .............. ....... .. .. . . .. " . ....../.. d......... ... .. ...... .. ... .
". ....... .-,
: <:.:,:.;.::: ::'::::':":"
.. . ...>.~8E.SURETOANSWERALLQUESTlQ'iltON REVEf'$E.81DEANDRECHECK:MATH~:~.::;.
.;.:.......".......:..
.......:...;,' ....;..
STF PA42021F.1
Decedenfs Complete Address:
. STREET ADOR!SS 130 W. Portland Street, #5
CITY Mechanicsburg I STAle PA I ZP 17055
Tax Payments and Credits:
1. Tax Due (Page 1 Une 19)
2. CreditslPayments
A Spousal poverty Crelit
B. Prior payments
C. Discotri
(1) $8,652.83
$5,000.00
$250.00
Total Crelits (A + B + C) (2) $5,250.00
3. InterestlPenalty If applicable
D. Interest
E. Penalty
TotaIlnterestlPerdy (D + E) (3)
4. If Une 2 is greaer ttv.rI Une 1 + Une 3, enter the difBence. This is the OVERPAYMENT.
Check box on Page 1 LIne 20 to request a refund (4)
5. If Una 1 + Une 3 is greaer than Une 2. enter the difference. This is the TAX DUE. (5)
A Enter the Interest on the tax due. (SA)
B. Enter the total ofUne5 + SA. This is the BALANCE DUE. (58) $3,402.83
Make Check Payable to: REGISTER OF WlUS, AGENT
PLEASE ANSWER TliE FOLLO'MNG QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. DId decedent make a Ira1sfer and: Yes No
a. rebintheuseorlncome of the propertylra1sferred; ........................................ 0 r55J
b. retain the rtS# to designate who shall use the property transferred or its income; .. .. .. .. .. .. .. . .... 0 ~
c. retan a reversionlIy interest or ............ .. .. .. .. .. . . . .. .. .. .. .. .. .. .. .. .. .. . .. .. ... 0 fi)
d. reaive the promise for life of either payments, benefits or care? ............................... 0 [gJ
2. If death occured aler December 12, 1982, did decedent transfer property within one year of deah .
MthDlt receNlng adequate consideration? . . . . . . . . . . . . . . . . . . . . . . . . . . . · . . . . . . . . . . . . . . . . . . . . .. 0 (g]
3. DId decedert own an "in trust fa( or payable upoo death bank account or secuity _ his or her death? . . . .. 0 IE
4. DId decedert own an Individual Retirement AccolI1t, annLity, or other non-probate property \\iich
corjajnsa beneficlaydesignation? ... .... ......... . .. ... . '" .. ............. ............ .. ~ 0
IF nEANSWER 10 AN( OF nE ABOVE QlESTIONS IS YES, YOU MUST COMPLETE samu G AN) FILE IT /IS PART OF 1lE RETt.RN.
lbier pnIIIeI rl per)Q ldecln 1llII1_..... tis relIm, k1cbIitg ~ schedUea IIld sIaIernerU, IIld to.. bell rl my IcnowIIldge lIld belief, lis true. carreclll'ld ClIllI1ll*.
DecIlnIb1 rl pnpini-ahrl8l.. pnJlIIIl1IpIIII8l....1s based CIl a1fiimlalion rlwJich prepnr has IIrf kroMedge.
SI~~. ? RESPONSIBlE FOR FILING RETURN DATE
'..-:-jI"/,'~t"
ADDRESS
DATE
For dales ct deah CI'I or aIer JtJy 1, 1994 and before Jamay 1, 1995, the tax rate imposed on the net VIM of transfers to or for the use ofthesuvlvlng spouse is 3%
(72 P.S. 59116 (I) (1.1) (I)].
For dEs ctdeah CI'I or a'ter JEnsy 1, 1995, the tax rate imDOSed on the net value of transfers to or for the use of the llU'ViW1g ~ Is 0% [72 P.S.I91~1) (8)].
The staIUte does not ~ alransl8r to a StJVivIng spouse mm tax, lI1d the statutory requll1llT18l'U for dIscIosu8 ct asselIa'id fiIII'Ig a tax I'ItIm .. still 1 8\IIl'I
if the IlNvIrG lIpOUI8 only beneIiciary.
For dEs of de8Jh CI'I CI' a'ter JtJy 1, 2000:
The tax nll81mpolled on the net Value of transfers from a deceased child twenty-one years of age or ~ at death to or for the use of a NW'8I p8lWj. lit acIoptive
pnnl, or a ~811l ctthe cHd Is 0% [72 P.S. 19116(a)(1.2)}.
The tax nll81mpolled on the net value of transfera to or for the use of the decedent's lineal beneliciaies is 4.5%, 8llC8pt .. noted in 72 P.S. 19116(1.2) [72 P.S. 19116(8)(1)).
The tax nII8 imposed on the net VIM of transfers to or for the use of the decedert's siblings Is 12% [72 P.S. fi9116(a)(1.3)). A sibling is delIned, lI'ld<< SectIon 9102, as an
IndIvic1.IaI who hlB _Ieest one parent In common with the decedent, whether by blood or a:IoptIon.
Sll"PM2021F.2
REV-1502 EX + (1-ll7) (I)
~OFPEHNSYU.MA
IIIERI1'Ata TAX RET\Rt
RESlBTDECEDEMT
SCHEDULE A
REAL ESTATE
ESTATE OF
FILE NUMBER
Yinger, Colleen M. 21-07-0067
AII_ propIIl:y 0WNd1Ollly or 81 a tIIWt In c:ornrnon must be nIpOI't8d at fair mIIbt vall.. Fair nwbt vakJe Is defined ..lie price at v.tkh property.... be lIIlChqId belwI818
wIi1I_..s 8 wIi1I..... neIIler being campeIed to buy or sell, both I1aIq reasooabIe knowledge c:llhe..... facti. RIIII pRIpIl'ty which 'S JalntIy-owned with rIdt tI uvlvcnHp
nut be ~ on Sc:IIdIIt F.
ITEM VALUE AT DATE
NUt.I3ER DESCRIPTION OF DEATH
1.
Condominium unit at 130 West Portland Street (Unit 5) in the Borough of
Mechanicsburg. Cumberland County. Pennsylvania. Value per attached appraisal.
$100,000.00
TOTAL (Also lrier on 8ne 1, RecapituJalon) $ 100,000.00
(If more space is needed, insert additional sheets of the same size)
STFPM2021F.3
REV-1508 EX + (1-97) (I)
CCMolONV1EALTH OF PEtIlSYIWIA
INtIERrTAI<<:E TAX RETURN
RESIIENT DECEIIEHT
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
ESTATE OF
Yinger, Colleen M.
FILE NUMBER
21-07-0067
R:UIe the proceeds cllIIgaIIan and lie dale the proceeds were received by the eslale. All property JoIrtJy-owned with the light tllUIVIVCllhlp must be cIIcIoeed on SchIlUt F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1.
Certificate of Deposit No. 21001011049 with PNC Bank. Value on date of death per $7,508.12
attached letter.
2.
Certificate of Deposit No. 21001011050 with PNC Bank. Value on date of death per $10,010.84
attached letter.
3.
Certificate of Deposit No. 21001011270 with PNC Bank. Value on date of death per $4,560.71
attached letter.
4.
Checking account No. 5070076097 with PNC Bank. Value on date of death per $62,607.17
attached letter.
5.
Savings account No. 5030061288 with PNC Bank. Value on date.ofdeath per $11,135.45
attached letter.
6.
Miscellaneous items of household furnishings and personal effects, including $700.00
clothing and the like.
TOTAL (Also Erier on line 5. Recapitubilon) $ 96,522.29
(If more space is needed. insert additional sheets of the same size)
STF PM2ll21F.9
ReY-1510 EX + (1-97) (I)
<XIM)NWEAlJH OF PENNSYLWlIA
IlHERITAHCETAX RETURH
RESIlENTDECEIlEHT
SCHEDULE G
INTER-VIVOS TRANSFERS &
MISC. NON-PROBATE PROPERTY
ESTATE OF
FILE NUMBER
Yinger, Colleen M.
21-07-0067
This sc:hedLilIlllSt be CClIJ1lIeIed lIld filed if the answer to iII'J of questions 111vwgh 4 on the reverse side c:I the REV-15lXl COVER SHEET is yes.
DESCRPTION OF PROPERTY %OF
ITEM 1N:WlE'llE INE OF 'llE 1IWlSFEREE. nElR REI.ATIONSHP TO 0ECEIlENT ANJ 'llE DATE DATE OF DEATH DECO'S EXCWSION TAXABLE VALUE
NUM3ER OF 1RANSFER. ATW:H.A COf11 OF 'llE 0EBl FOR REAl.. ESTATE. VALUE OF ASSET INTEREST OF APPIJCA8LE)
1. Allstate Life Insurance Annuity Contract No. GA280553. $8,812.44 100% None $8,812.44
Value on date of death per attached letter.
TOTAL (Also emr on Una 7, Recapitulation) $ 8,812.44
Of more space is needed, insert additional sheets of the same size)
SlFPACZlI21F.11
REV-1511 ex + (1-87)(1)
!XI.IIOtMEAIJH Of PENNSYlWlIA
INIERITAt<<:E TAX RETURH
RESIDENT lECEDENT
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
ESTATE OF
21-07-0067
FILE NUMBER
Yinger, Colleen M.
DebII d dec:IdInt nut be reparted on Schedule I.
ITEM
NUMBER
A.
1.
B.
1.
2.
3.
4.
DESCRIPTION
AMOUNT
FUNERAl. EXPENSES:
Myers Funeral Home, Inc.
$2,055.00
ADMINISTRATIVE COSTS:
PerscnI Represenlative's Cornmissim1s
NlI'Ile U PerIaIllI Repr&serlalive(s)
SocIal Seclrily fVnber(s) I ~ Number u Personal RepresentaIIve(s)
S1reetAdlhss
City SIale
Yl8r(s) CarnrnIssIa1 Paid:
AltcmeyFees SAMUEL L. ANDES
F.nJy Elliln1lUon: (I decedelts address is nollhe lIlI11lI as clalmant's, a\lach expInticn)
CIaimlIi Mark D. Yinger
SlreetAddress 130 W. Portland Street. No.5
cay Mechanicsburg SIal. PA
ReIatknhIp u CIairnai to Decedert son
Zip
$6,000.00
$3,500.00
Zip 17055
Prab&ta Fees Register of Wills
5. kmsIlds Fees
6.
7.
BlFPM2021F.12
$322.00
1M RelIrn Preprnr's Fees H&R Block
$47.00
The Sentinel (advertising)
Cumberland'Law Journal (advertising)
Clauser Real Estate Appraisals (appraisal of condominium)
Municipal real estate taxes on condominium
Condominium Association fee (January, February, March, 2007)
$129.77
$75.00
$350.00
$345.86
$225.00
TOTAL(AIsoeruron line 9, Recapitulation) $ 13,049.63
(If more space is needed, insert additional sheets eX the S8ne size)
REV-1513 EX + (9.QO)
eot..NONIM:ALTH OF PBIlSYlWM
INHEIIIWtCE TAX RETURN
RESIlENT DECEDENT
ESTATE OF .
Yinger, Colleen M.
SCHEDULE J
BENEFICIARIES
FILE NUMBER
21-07-0067
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(S) RECSVlNG PROPERlY Do Not LIst Trustee(s) OF ESTATE
1 TAXABLE DISTRIBUTIONS Pnclude outright spousal distributions, lI1d transfers
lIlder Sec. 9116 (a) (1.2)}
1. Craig E. Yinger Son $50.00
1002 Eppley Road
Mechanicsburg, PA 17055
2. Mark D. Yinger Son Balance of estate
130 W. Portland Street, # 5
Mechanicsburg, PA 17055
ENTER 00ll.AR AMOUNTS FOR DISTRIBUTIONS SHOWN N3CNE ON UNES 15 THROUGH 18. N3 APPROP~ TE. ON REV~1500 COJER SHEET
n. NON- TAXABlE DISTRIBUTIONS:
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE
1.
none
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
1. none
TOTAL OF PART n - ENTER TOTAL NO~ TAXABLE DISTRIBUTIONS ON UNE 13 OF REV-1500 COVER SHEET $ 0.00
STFPA42021F.14
Of more space is needed. Insert additional sheets d the 8IIJl8 size)
l}~
(:~'. (/)
LL' ...j
(~
Cc.
L-'-_
(~-=)
c::.'
Ii!
r-.-.,
(}=
C>
C.)
LU
ex:
ae::(
-)
r--
<=
=
,,"'J
N
C)
m
I--
g;
--.' (~"~
'-"-c-';',-,
c)u-
~1 ~~~
O=r:~
l.~
cr.:
o
%:
<"'~
0"'1
~
..,;"'~
LAW OJl'P'lcaa
SNELBAKER
lit
BRENNEMAN
LAST WILL AND TESTAMENT
I, COLLEEN M. YINGER, of the Borough of Mechanicsburg,
County of Cumberland, and Commonwealth of Pennsylvania, being of
sound and disposing mind, memory and understanding, do make,
I
pUblish and declare this as and for my Last Will and Testament,
hereby revoking and making void all former wills and codicils by
me at any time heretofore made.
FIRST. I order and direct that all my just debts and
funeral expenses be paid by my Executor, hereinafter named, as
soon as conveniently may be done after my decease.
SECOND. I give and bequeath the sum of Fifty ($50.00)
Dollars unto my son, namely, CRAIG E. YINGER, absolutely, if he
survives me.
THIRD. I give, devise and bequeath all the rest, residue
and remainder of my Estate, real, personal and mixed, whatsoever
aQd wheresoever situated, unto my son, namely, MARK D. YINGER,
absolutely and in fee simple, if he survives me.
If my said son, MARK D. YINGER, does not survive me,
then and in that event, I give, devise and bequeath my said
residuary estate unto the issue of MARK D. YINGER, per stirpes
by representation and not per capita, but subject to the
protective trust provisions as contained in Item Fourth
hereinbelow.
FOURTH. If any beneficiary hereinabove has not attained
the age of twenty-three (23) years at the time of distribution,
I order and direct that the distributive share of such person
shall be paid over and delivered unto THE FIRST BANK AND TRUST
COMPANY OF MECHANICSBURG, PA., (or its successor by merger,
LAW OPPICES
SNELBAKER
II<
BRENNEMAN
consolidation or other corporate reorganization) as my
testamentary Trustee, IN TRUST, NEVERTHELESS, to hold, manage,
invest, accumulate income and reinvest until said beneficiary
attains the age of twenty~three (23) years, at which time said
trust shall be terminated and the net proceeds thereof be paid
over to the beneficiary absolutely.
I authorize and empower my said Trustee to invest the
assets of said trust in any reasonable manner and not be limited
or restricted to so-called "legal" or statutory investments for
fiduciaries.
I designate any trust hereunder to be a spendthrift
trust. The beneficiary shall have no right to invade, pledge,
assign or otherwise dispose of the assets of said trust
(including income) nor shall any creditor of a beneficiary have
any right to seize, levy or execute upon said assets by reason
of any pledge, assignment or other transfer, voluntarily or
involuntarily, made by said beneficiary.
I further authorize and empower my said Trustee to
use, consume, expend and apply from time to time such amounts of
principal and income of and from said trust which in the
exercise of its sole discretion shall be determined to be
reasonable and necessary for the beneficiary's education. The
term "education" shall be construed and interpreted to mean
college or other post-highschool training which is intended to
improve the beneficiary's productivity as an adult or enhance
the quality of his or her life.
LASTLY. I nominate, constitute and appoint my son,
namely, MARK D. YINGER, to be the Executor of this, my Last Will
and Testament, to serve without bond or other security as a
-2-
LAW OP'PlCE8
'SNELBAXER
lit
BRENNEMAN
condition of qualification hereunder; but if for any reason my
said son should fail to qualify as such Executor or cease so to
serve, then and in such event, I nominate, constitute and
appoint THE FIRST BANK AND TRUST COMPANY OF MECHANICSBURG, PA.,
(or its successor by merger, consolidation or other corporate
reorganization) to be the Executor hereof.
IN WITNESS WHEREOF, I, COLLEEN M. YINGER, have hereunto
set my hand and seal to this, my Last Will and Testament which
consists of three (3) typewritten pages to each of which I have
affixed my signature this ,;Z&/t;Iv day of November A.D., One
Thousand Nine Hundred Ninety-two (1992).
UP --"bt-'l~a--
. 0
(SEAL)
The preceding instrument, consisting of this and two (2)
other typewritten pages, each identified by the signature of the
Testatrix, was on the date thereof signed, sealed, pUblished and
declared by COLLEEN M. YINGER, the Testatrix therein named, as
and for her Last Will and Testament, in the presence of us, who,
at her request, in her presence, and in the presence of each
other, have subscribed our names as witnesses hereto.
~~
~/.?~
-3-
LAW OPJl'lCES
SNELBAKER
..
BRENNEMAN
COMMONWEALTH OF PENNSYLVANIA
SS.
COUNTY
OF
CUMBERLAND
We, COLLEEN M. YINGER, RICHARD C. SNELBAKER and JANET R.
STEGNER, the Testatrix and the witnesses, respectively, whose
names are signed to the attached or foregoing instrument, being
first duly sworn, do hereby declare to the undersigned authority
that the Testatrix signed and executed the instrument as her
Last Will and Testament and that she had signed willingly, and
that she executed it as her free and voluntary act for the
purposes therein expressed, and that each of the witnesses, in
the presence and hearing of the Testatrix, signed the Will as a
witness and that to the best of his or her knowledge the
Testatrix was at that time eighteen years of age or older, of
sound mind and under no constraint or undue influence.
~
Witness
9"'.4R~
Withess
Subscribed, sworn to and acknowledged before me by COLLEEN M.
YINGER, the Testatrix, and subscribed and sworn to before me by
RICHARD C. SNELBAKER and JANET R. STEGNER, witnesses,
this :<1d- day of November, 1992.
S?~:.J Q.~
Notary Public
NoIariaI Seal
Pabida J.1l'1omsor1. NolaIy Pubfc
Mechar1icsburg 8oro, Cumbarfand CoonIy
My cOmmission Expirf.s D6c. 31, 1994
Member. PemsylvaniaAssociallon oIl'iJ1aries
APPRAISAL OF REAL PROPERTY
LOCATED AT:
130 W Portland SI
Deed Book 0035T Page 01149
Mechanlcsburg, PA 17055-7412
FOR:
Samuel L Andes, Attorney at Law
PO Box 168
Lemoyne, PA 17043
AS OF:
1-4-07
BY:
Dennis stover
PA CerlifIed Residential Real Estate Appraiser
Certlflcalfon Number 138906
Clauser Real Estate AppraIsals
P. O. Boxm
Cemp HIli, PA 17001-om
Form GA1- 'WInTOTAL' appraisal soltwanl by a la mode, Inc. -1-800-ALAMOOE
Ale No. 7-()214 R-1
Cumberland
State PA
Zi Code 17055-7412
TABLE OF CONTENTS
Cover Page ....................................................................................................................................................................................................................... 1
Summary of SaBent Fealures .............................................................................................................................................................................................. 2
USPAP kIenlIlIcation ......................................................................................................................................................................................................... 3
Condo ............................................................................................................................................................................................................................... 4
Subject PI1otos ................................................................................................................................................................................................................... 10
Subject PI1otos InleI10r ............ .................................................. ........................................................................................................................................ 11
Subject PI1otos InleI10r .................. ................. .............. ........ .............................................................................................................................................. 12
Comparable PI1otos 1-3 ..................................................................................................................................................................................................... 13
Special CmdIIIons ............................................................................................................................................................................................................. 14
8ectnJn1c Signature CerIIIIcaIIon ......,..... ................................... ..... ................. ................................................................................................................... 15
CertIlIcalll...........................................................................................................................................................................................................................16
invoice..............................................................................................................................................................................................................................17
BuDdIng Sk8lch (Page -1) .......;..............;.......................................................................................................................................................................... 18
LocaUon Map ..................................................................................................................................................................................................................... 19
Form TOCNP - 'WInTOTAL' appraisal software by a Ia mode, inc. -l-800-Al.AMODE
SUMMARY OF SALIENT FEATURES
Sub/ecl Address ' 130 W Portland St
Legal Description Deed Book oo35T Page 01149
CIty Mechanlcsburg
County Cumberland
SlaIB PA
ZIP CODE 17055-7412
Census Tract 42041-0114.00-3
Map Rel8I8llC8 25420
Sale PrIce $NA
Dale 01 Sale NA
Borrower/Client NA
Lender Samuel L Andes, Attorney at Law
Size (Square Feet) 1.128
PrIce per Square Fool $
LocaIIon Suburban
Age 18
CondItIon Avg
Total Rooms 5
Bedrooms 2
IlaIhs 1
AppraIser Dennis Stover
Dale 01 AppraIsed Value 2-22-07
Anal EslIma18 01 Value $ 100,000
Fonn SSD - 'WInTOTAL' appraisal soItware by a Ia mode. Inc. -l-800-ALAMODE
NA
130 W Portland St
Mechanlcsbu
Samuel L Andes Alto at Law
Ale No. 7-0214 R-1
Coo Cumber1and
State PA Code 17055-7412
APPRAISAL AND REPORT IDENTIFICATION
This AppralssJ Report Is JIIm of the following types:
D Self ConIatned (A Wlltten report prepared under Standards Rule 2-2(a), persuantto the Scope of Work, as disclosed elsewhere In this report.)
~ SUmmary (A Wlltten report prepared under Standards Rule 2-2(b) , persuant to the Scope of Work, as disclosed elsewhere In this report)
D Restricted Use (A Wlltten report prepared under Standards Rule 2-2(c), pursuant to the Scope of Work, as disclosed elsewhere In this report,
restricted to the stated Intended use by the spectned client or Intended user.)
Comments on Standards Rule 2-3
I cer1IIy 1hal, to the bast 01 my knowledge and belief:
-1he slaI8menls 01 fact contained In lhIs report are trus and conecl
-1he reportBd 1Ila!yses, opinions, and conclusions are limited only by 1he reported assumptions and IImIlIng condIlIons and are my personal, impartial, and unblased professional
analyses, opinions, and conclusions.
-I have no (or the specllled) present or prospec1lve Interest In the property that Is the subject oIlhIs report and no (or the spec/lied) personallntsrest with respect to Ihe parties
Involved.
-I have no bias with respect to 1he property Ihat Is the subject 0I1h1s report or to !he parties Involved with Ihls assignment.
- my engagement In lhIs assignment was not contingent upon developing or reporting predelennlnsd results.
- my cornpensa\Ion lor cornplellng !his assignment Is not contingent upon 1he deve/opment or reporting 01 a predelsnnIned value or d1recl1on In value that lavors 1he cause 01 the
client, !he amount 0I1he value opinion, 1he atIalnment 01 a sllpulated resull, or 1he OCCUIl8l1C8 01 a subsequent event dlrecUy related to 1he InIBnded use 0I1h1s &ppI1/sal.
- my analyses, opinions, and conclusions were developed, and Ihls report has been prepared, In conIormIIy with 1he lmlIorm Standards 01 Professional AppraIsal PractIc8.
-I have (or have not) made a personallnspec1lon 0I1he property that Is the subject oIlhIs report (II more than one person signs IhIs certIItcaIIon, the certIItcaIIon must clearly
specKy wI1Ich IndiYlduals did and which lrnIvIduals did not make a personallnspecllon 01 the appraised property.)
- no one provided signlllcant reaJ property appraisal assistance to 1he person signing IhIs cerIIIIca1Ion. (II there are excep1Ions, 1he name 01 each IndlYldual proykIng slgnlllcant real
property appraisal assistance must be stated.)
Comments on Appraisal and Report Identification
Note any USPAP related Issues requiring disclosure and any state mandated requirements:
SCOPE OF WORK
APPRAISER:
SUPERVISORY APPRAISER (only If required):
SlgnaIure: V- L :;;i::
Name: Dennis Stover
Date SIgned: 2-27-07
State CerIIIIcaIIon #: RL 138906
or State license #:
State: PA
ElqJIndIon Date 01 C8l1IIIcallon or license: 6130/2007
EIIec1iYe Date 01 AppraIsal: 1-4-07
Signature:
Name:
Date SIgned:
State C8l1IIIcaIlon #:
or State license #:
State:
Exp/ra1Ion Date 01 Cellllicallon or license:
Supervisory AppraIser Inspec1lon 01 Subject Property:
D DId Not D ElIIeI1or-OOIy from s1reel D InIBrIor and ExIBrIor
Form 1006 - 'WInTOTAL' appraisal soItWare by a fa mode, Inc. -1-8O()..ALAMOOE
Summary Report
Individual Condominium Unit Appra sal Report FIle# 7-0214 R-1
The DUlDOSe 0I1hIs sumM..... ,.......!oal reoort Is 10 DI'O'IIde the lender/cOen! wllh an accurate, and adeouatelv sullllOl1ed, opinion 01 the market value 01 the subiect property.
Prooertv Address 130 W Portland St Unft# 5 City Mechanlcsbulll Stale PA ZID Code 17055-7412
Borrower NA Owner 01 Public Record The Estate of Colleen D. Yinoer CountY CUmberland
Deed Book 0035T Paoe 01149 . . _. ..... . .
Assessor's Parcel # 19-22-0519-057.-U130-5 TaxYear 05-06 R.E. T8XllS S 1 317
ProIecl Name Mechanicsbulll Borouah Phase # Phase 1 Mao Reference 25420 Census Tract 42041-0114.00-3
Occupant 15<1 Owner 0 Tenant r I Vacant Special Assessments S NA HOA S 75 11 oer year IXI oer month
Property RI ed C8J he SImDIe fl Leasehold I I Other (descJ1bel
Asslarvnent Type I I Purchase Transacllon r 1 Reflnance Transaction IXI Other (descJ1bel Market Value for Estate
Lender/Cllel1t Samuel L Andes Attornev at Law Addms PO Box 168 I _~a PA 17043
Is the su culT8l1lly offered for sale or has R been offered for sale In the tweIw rnonlIls orlor to the e1fec1lve datB 0I1hIs appraisal? f 1 Yes IXI No
~ data source(5) used, s\. and daters\. CCTAO
I D did D did not anaJyze the contract for sale for the subject purchase transaction. ExplaIn 1I1e results 01 the analysis 0I1I1e contract for sale or why the analysis was not
performed. NA
ConlraclPrlce S NA Date 01 Conlracl NA Is the DIOIl8ItV seller the owner 0I1lUbIIc 18COI'd? II Yes LJ No Date Source(s)
Is 1here any financial assls1ance (loan charges, sale concessions, gilt or downpayment assls1ance, etc.) to be paid by any party on behalf of the borrower?
. Yes, r8IlOrt the total doUar amount and descr1be the Items 10 be paid. NA
DYES DNO
Note: RIce IIIcIthe I'ICIII of the neighborhood 811 not lIPPflI/I8I f8ctorL
LocalIon Urban C8J Suburban r 1 Rural I Prooertv Values & ~ <I S1able r 1 DecIlni1a
. BuI-UD OVer 75' IXI 25-75" r lllnder 25' IllemaruVSupply [Shor1aoe ~ <I In Balance I I Over SUooIv
. Growlh RaoId IXI S1abIe r lSlow I Marketing TIme [ Under 3 m1hs ~ a 3-6 m1hs r 1 Over 6 m1hs
. NeIohborhooi Boundaries The neiahborhood consists of the Portland Court develnnment.
.
.
PRICE AGE lJn&.UnIl 75 "
S (()()ol (VlSl 2-4 UnIt 10 "
90 Low 1 Mulll-Famllv 5 "
850 HIoh 30 Commercial 5 "
115 Pled. 15 Olher 5 "
llescJ1P11on Shnnnlnn schools and churches are located within 5-10 minutes of the llI'Ooertv. Full service shoDDinll Is available at the
and malls aDlll'Oxfmate1y1D-15 minutes. Public school students attand the Mechanlcsbulll School District. Emolovmant centers are located In
Hanisbulll. CamD Hili York. and Machanlcsburo.
MlIIIall CondIlIons Onclullnll suPPOll for the above conclusions) Market conditions In the subiact Il9iohborflood are considered mocIeretelv active with low
morIoaae Interast rates being the Drimarv catalvsl Sales In recent weeks have been modaretelv active. TVDicaI flnanclno for resldantial DI'OIlElrties
Includes 80% to 90% loan 1-3 DOlnts 6.0 to 6.75% mort!:l8lle Interest rates for UD to 30 vealS.
TOIlOlII3Ilhv Ava Size Ava Densllv Ava
Classlllcallon RH ZonIno DesClllJllon Residential HIDh Densltv
Z ~ Legal r l LeoaI Nonconformlno - Do the zonlno reoulallons oermIl rebuOdlno 10 current densl\v? I I Yes U No
1 No ZonIno I IIIIeoaI (describe)
Is the hIahes and best use of s
VIew Avo
as Improved (or as
and soeclflcallonsl the oresen! use?
IXI Yes l I No . No describe
U1111lle1 Public 0lIIer (cIeIcIfbe) Public 0lIIer (deIcrlbe) 0hIlIl
EIectrlcI\y 15<1 D Water C8J [J S1Ieet Macadam
. Gas I I I I NA Sanitary Sewer 15<1 [1 Alley None
FEMA SoecIal Flood Hazard Area I I Yes 15<1 No FEMA Flood Zone X fEMA Mao # 4203620005D
Are the uUIIlIes and off-sRe aI for the mar1cBt area? C8J Yes n No U No describe
Are 1here any adverse sRe condlllons or exIBmaI factors (easements, encroacIvnents environmental condIIons land uses, etc.l? [ 1 Yes 15<1 No U Yes descr1be
There are no aooarenl easamants encroachmants sDeClal assassments slide areas or llleoallleoal nonconforminll zonlnll uses. The site Is not In
a HUD IdenlIfled f100d hazard area.
- TvDe
Public PrIvIIe
~ [
fl I
FEMA Man Date 3/3/1992
Date source(s)lor \lI'Ol8Cllnformallon HOA oresidant
.~ U Delached 0 Row or Townhouse 0 Ganlen ~ Mld-R1se 0 IIdI-RIse i01her(descrlbel
# 01 S1Drles One ExIertor WaIs VlnvI # 01 UnIts NA # 01 Phases
# of Elevalors Nons Roo! Surface FG # 01 UnIts Completed NA # 01 UnIts
I EldslIna I'I'OIIO!lIlII TOIlII # Partdno 72 # oIl1n1ts For Sale NA # 0I1lnIts for Sale
] Under ConstruclIon Rallo (soacesfunltsl NA # 01 UnIts Sold NA # 0I1lnIts Sold
Yell' Bull 1989 Tvoe Street # 01 UnIts Rented NA # 01 Units Rented
EffecIlye Aae 15 Guest Partdno Street # of Owner Occupied UnIts NA # 01 Owner OccuDled UnIts
OccuDlll1CV Residence I I Second Home or RecrealIonal I Tenant
Is 1he dev8looer/bUllder kI conlroI of the Homeowners' Assoclallon (ll()Al? I I Yes 1:><:1 No
GlIlUP - C8J Homeowners' AssocIaIIon I U8YeIODer [J M . Provtde name 01
3
36
o
36
5
31
# 01 Planned Phases
# 01 Planned UnIts
# 0I1lnIts for Sale
# 0I1ln1ts Sold
# 0I1kl1ls RenIBd
# 01 OWner 0cclIIlIed UnIts
NA
NA
NA
NA
NA
NA
Does
same lndiYIdual, k1Yestor aroup, COIIlOI31Ion, e1c.l own more 1han 1~ of 1he total units In the Dnllect? [J Yes C8J No lYes, DescJ1be
Was the IlI'OIect creaIBd by the conversion 01
sllnlo a condominium? I I Yes 1:><:1 No . Yes describe the original use and datB 01 conversion.
Are the units, common elemell1s, and recreaIIon facIII1Ies com
rehabIIltaIIon for a condominium conversion)? IX Yes rl No . No, describe
Is 1here any commercial space In the PIlIIecl? [J Yes ~ No . Yes, describe and IndIcalB the overaI oercentaoe of the commercial space.
Freddie Mac Form 465 March 2005
Page 1 of 6
Fannie Mae Form 1073 March 2005
Fonn 1073- "WInTOTAL' appraisal software by a fa mode, Inc. -l-8lJO..ALAMODE
n IV ua on om n urn n ~ppra sa epo FlIe# 7-()214 R-1
Describe the condition of the project and QUaIIly of construc1lllll. Qualitv of construction Is averaoe.
. . .. . .
Descrlle the common eIemenIs and recreallonallacDlUes. Green area and ouest aar1dno.
.
. Are any common elements leased to or by the Homeowners' Association? 0 Yes ~ No R Yes, describe the rental terms and options.
. Is the Pl'lIIecl subleclto a ground rent? rl Yes !XI No RYas, $ per year (describe terms and condIlIons)
,
.
Are the oarIdno laclll1las adequate for the Df'OIecl size and lYDe? c><:J Yas 0 No R No, describe and commeiIl 011 the effect on value and
I U did ~ cId not analyze the condomIrium project budget for the cum year. Explain the I8SUIts of the analysis of the budget (adequacy of feas, 18S8/Y8S, etc.), or why
the analysis was not performed. Budaet not available to aooralser.
.
Are ther8 any other feas (other than I80UIar HOA charuas\ for the use of the Df'Olecllacilltles? nYasc><:JNo R Yas, report the chamas and describe.
.
ComDal8d to other co of similar ouallty and deskin, the sublect unit c o Hlah c><:J Average [J Low R High or Low descrIle
.
: Are there any special or unusual characteristics of the project (based 0I1111e condomlnlum documents, HOA meeIfngs, or other Information) known to the appraiser?
n Yas 15<1 No R Yas describe and explain 1IIe effect on value and .
UnRCharlIe $ 75 per rnoo1h X 12 - $ 900.00 per year Annual assessment c 818 feel of Df'OSS IIYIna area = $ 0.80
UlIIIlIes Included In the unit mon1hiV assassment c><:J None rJ Heal D Air Condlllonlno I ~W!II1/'.lIv ] Gas [J Water [J Sewer fl Cable [J 01her (describe\
Roar # 2 Aoors ColMn Ava . AreoIace(s\ # ~None
# of Levels 1 Walls Drvwall Ava WoodSlovels\ 11 I RanaeIOven 1 Garaoe f 1 CoveI8d c><:J Open
Type HP Fuel Elec Trfrn/Flnlsh Wood Ava DeciQPalIo I DIso c><:J Microwave # of Cars 2
Central AC [J individual AC Balh WaInscoI Aberolass Ava ~ PorcMlaIconY Balcoll' DIshwasher I!XI Assloned I, Owned
] 01her (describe) Doors Wood Ava Other WasherlDrY8r Moo Soace # NA
Anlshed area Ibove oralie conlaIns: 5 Rooms 2 Bedrooms 1 Balh s 1 128 SouaI8 Feel of Gross Uvtno AI8a Above Grade
Are 1he heallna and cooling for the Indvfdual units seoarateiY metel8d? IX! Yas L J No R No, describe and comment 011 compallbillly to o1her oroIecIs In the markBl area.
.
, AddItI0naI features (spec1al8ll8l1lY eIlIclanl Rems, etc.\ Insulation
Describe the condIllon of the needed 180m, deler1oraIlon, I8naVatillIIs, remodeIIna, etc.\. The unit Is In averaae condition. There are no reaalrs
.
needed.
Are ther8 any DhYslcal deflclancies or adverse conditions lhal affect the 1IvabIIiIY, soundnass, or structuralln\BQrIlv of the Drooertv? U Yas !XI No R Yas, descrIle
Does the conform to the neluhborl1ood (Junctional utIl'llY, sMe, condition, use, CllIIStruc1lon, etc.\? !XI Yas U No R No, describe
I !XI did I I did not research the sele or transfer hIstorv 01 the su and comoarabie sales. R not. exoIaln
1- '"'' .. '" -.........-..... "'........ ...... -.........-
Dalasouroe(s CCTAO
research ] did c><:J did not I8V8aI any llI10r sa/es or lranslels of 1he com~ sa/es for the war Drfor to the date of sale of the COII1II8IlIbiIl saI8.
DaIa source(s MLS
iii Reoort the results of the l8Search and analysis of the IlIlor sale or transfer hfstory of the su and comoarabie saJes (raport additIonaIllI1or sales 011 PIIII8 3).
ITEM SUBJECT COMPARABLE SALE #1 COMPARABlE SALE #2 COMPARABLE SALE #3
Dale of PrIor SalelTransfer Not In the last 3 veers. Not In the last vear Not in the last veer Not In the last veer
. Price 01 PrIor SalelTransfer NA NA NA NA
~ Data Source(s) CCTAO MLS MLS MLS
ElIecIIve Date 01 DaIa Source(s) 2.26-07 2-26-07 2-26-07 2-26-07
I Analysis 0/ DIfor sale or lr1nsf8r hIslorv of 1IIe su and COIl1D8n Ible salas. NA
I d' Id Ie d II
U ItA
I I R rt
Summary Report
Freddie Mac Form 465 March 2005
Page 2 of 6
fannie Mae Form 1073 March 2005
Form 1073- 'WInTOTAL' appraisal software by a Ia mode,lnc. -l-800-ALAMODE
Individual Condominium Unit Appraisal ReDOrt
There are 1 c currenll offered lor sale In lhe sublecl nelohbolllood ranalno In DliC8Irom $ 109 900
There are 11 cornoarabIe safes In lhe sublec within lhe oast tweIw monlhs ranoIna In sale Drice from $ 89 900
IQTURE I SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2
Address and 130 W Portland SI, # 5 126-4 W.Portland SI. 128-12W.Portland SI.
UnIl# Mechanlcsburo PA 17055-741 Mechanlcsbum Mechanlcshllm
Project Name and Portland Court Portland Court Portland Court
Phase Phase 1 Phase 1 Phaee 1
PruxfrnItv 10 Sublect Less than .01 mile E Less than .01 mile E
Sale PrIce 1$ NA $105000 $
Sale PrIceIGross Uv. Area $ s . II. $ 93.09 sa. II. $ 84.13 sa. II.
Dala Sourcels} CourthouselCPMLJReeltor CourthouselCPMLJReeItor
Ver1IIcallon Sourcels} MLS MLS
VALlf ADJUSTMENTS DESGRIP1IOH DESCRIPTION +(.} $ Adlus1menl DESCRIPTION +1.) $ Adilstment
Sales or AnancIng ConventIonal Conventional
GoncessIons None Known Sailers Halo
DaI8 01 SaIe/TIme 1/31/07 MT 4 10110/06 MT 14
LocatIon Suburban Suburban Suburban
l.easeIlokWee SlmIiie Fee Slmole Fee Slmole Fee SlmnlA
HOA Mo. Assessment 75 75 75
Gonvnon 8emenls Green Area Green Area Green Area
and Rec. FacIIIIIes NA NA NA
Floor LocatIon 2 1 3
VIew Avn Ava Ava
. Deslan 1StvIe} Flat Flat Flat
· Qualltv 01 Construction Ava Ava Ava
: AcluaIAOe 18 18 18
GondIlIon Avn Ava Ava
· Above Grade Tdallllctms.1 Rallis ToIlIllBdrms.1 Rallis TolaIlllctms.1 BaIhs
. Room Count 5 12 I 1 5 I 2 I 1 5 I 2 I 1
. Gross UvIno Area 1128 so. II. 1 128 sa. II. 1128 so.lI.
· Basement & Anlshed NA NA NA
Rooms Below Grade NA NA NA
FunctIonal UIIIIIv Ava Ava Ava
H EHP/CA EHP/CA EHP/CA
. Enernv EIftcIent IIBms Insulation Insulation Insulation
G 2 NA NA
PorcIVPaIIoIDec Balconv Patio Balconv
Summary Report
FIIe# 7..()214 R-1
10 $ 109 900
10$ 111900
COMPARABLE SALE # 3
130-8 W. Portland SI.
Mechanlcsbum
Portland Court
Phase 1
Less than .01 mile E
94900 $
$ 79.70M. fl.
CourthouselCPMLlReeltor
NA
DESCRIPTION +(.} $ Ad/Uslrrl8nt
Cash
-2 847 None Known
3/31/06 MT 14
Suburban
Fee Slmnle
75
Green Area
NA
2
Ava
Flat
Ava
18
Avn
T lltIl 1Ilctms.l Rallis
5 I 2 I 1
1128 M.II.
89 900
+5.000
NA
NA
Ava
EHP/CA
Insulation
NA
Balconv
NetAdilstmentffotall fl + rl - $ n + 15<1. $ -2847 15<1 + r l - $ 5000
Adtusted Sale PrIce Net Adj. % Net Adl. 3.0 % Net Ad]. 5.6 %
01 Gross Adl. % $ 105 000 Gross AdJ. 3.0 % $ 92053 Gross Adl. 5.6 % $ 94.900
~ 01 Sales ~ Sales used were all In the same marKet area. Adlustments were based on marital extraction and lor
The Indicated value ra/1D9 extends from a low of $92.05310 a hiCIh of $105 000 The Indicated marital value Is estimated 10 ba less than
the U""- and of the value ra/1D9 and at $100 000.
IiiIiii Sales GomoarIson_$ 100 000
Es1maIBd MonIhIv MarIlBl Rent $ NA X Gross Rent MuIIioIier
. SUIIIIIlIIV 01 Income IfriO SUlllXllllor market rent and GRMl NA
=$
~ v!! Income ADoroach
IndIcaIIId V_ bY: SIIeI $ 100 000 Income ADDraIch (II cIMIoaedl $ NA
IInsulliclent marital date was available 10 1lI'l'l<'....... the Income ~.h. used ae a check for this """"""""I and kmIcallv sets the UDDfl/' limit of
value. The Sales Comoerlson A;;;:;;:;;;;ch Is deemed most reliable and nlvan areatest welahl
.
.
lID appraisal Is made ~ "as Is" ,0 subject 10 completion per plans and spec/IIcaIIons on lhe basis 01 a hypotheUCa/ condlllon 1hat lhe Improvements haw been
compIeIBd, 0 subject 10 lhe following repak1 or aIlBralIons on lhe basis 01 a hypolhetIcaJ condition 1hat lhe IBpairs or aIIBIaIIons haw bean compIelBd, or 0 subject 10 lhe
lolIoWIna iec.iirid lnSoecIIon based on lhe exIraonlInarv assurnDllon lhaIlhe condIlIon or dellclencv does not reouJi& aI1BraIIon or rsoaIr: If ~ Is sold 8ublecllo
termite and radon certIflcatlons with alXll'Blsed value based on cleer test results.
a.ed 011 . CCl!RJlIeIII vIauaIlnapectIon or the InlBItor IIId IXIIIlor .... or the IUbJect PfOIlIItY, daIIned 8COp8 of work. IIIIIment or IllUmplIona IIId UmIUng
concIlIona, IIId ippnIIIer'l cerllllcatlon, my (~ opinion of the IIIIIket value, .. detid, -of lIie IllII property IIIat II the aubjecI or Ihll report Ie
$ 100 000 II of 2-22-07 w111ch Ie the dele or inIIlllI:tIon IIId the efIeclIv8 dele of Ihll IIIIlIIIIsii.
Freddie Mac Form 465 March 2005
Page 3 of6
Fannie Mae Form 1 073 March 2005
Form 1073 - 'WInTOTAL' appraisal software by a Ia mode, Inc. -l-BOO-ALAMODE
Individual Condominium Unit A
Summary Report
FIIe# 7-0214 R-1
This report form Is designed to report an appraisal of a unit In a condominium project or a condominium unit in a planned
unit development (PUD). This report form Is not designed to report an appraisal of a manufactured home or a unit In a
cooperative project
This appraisal report Is subject to the following scope of work, Intended use, intended user, definition of market value,
statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the Intended
use, Intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may
expand the scope of work to Include any additional research or analysis necessary based on the complexity of this appraisal
assignment Modifications or deletions to the certlflcatlons are also not permitted. However, additional certifications that do
not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's
continuing education or membership In an appraisal organization, are permitted.
SCOPE OF WORK: The scope of work for this appraisal Is defined by the. complexity of this appraisal assignment and the
reporting requirements of this appraisal report form, including the following definition of market value, statement of
assumptions and limiting conditions, and certlfications. The appraiser must, at a minimum: (1) perform a complete visual
inspection of the Interior and exterior areas of the SUbject unit, (2) Inspect and analyze the condominium project, (3) Inspect
the neighborhood, (4) Inspect each of the comparable sales from at least the street, (5) research, verify, and analyze data
from reliable public and/or private sources, and (6) report his or her analysis, opinions, and conclusions In this appraisal
report.
INTENDED USE: The Intended use of this appraisal report is for the lender/client to evaluate the property that Is the
subject of this appraisal for a mortgage finance transaction.
INTENDED USER: The Intended user of this appraisal report Is the lender/client
MARKET VALUE: The most probable price which a property should bring In a competitive and open market under all
conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price Is not
affected by undue stimulus. Implicit In this definition Is the consummation of a sale as of a specified date and the passing of
title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well
Informed or well advised, and each acting In what he or she considers his or her own best Interest; (3) a reasonable time Is
allowed for exposure In the open market; (4) payment Is made In terms of cash In U. S. dollars or In terms of financial
arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by
special or creative financing or sales concesslons* granted by anyone associated with the sale.
*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are
necessary for those costs which are normally paid by sellers as a result of tradition or law In a market area; these costs are
readily Identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing
adjustments can be made to the comparable property by comparisons to financing terms offered by a third party Instltutlonal
lender that Is not already Involved In the property or transaction. Any adjustment should not be calculated on a mechanical
dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's
reaction to the financing or concessions based on the appraiser's judgment
STATEMENT OF ASSUMPTIONS AND L1MmNG CONDmONS: The appraiser's certification In this report Is
subject to the following assumptions and limiting conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the
title to it, except for Information that he or she became aware of during the research Involved In performing this appraisal.
The appraiser assumes that the title Is good and marketable and will not render any opinions about the title.
2. The appraiser has proVided a sketch In this appraisal report to show the approximate dimensions of the Improvements.
The sketch is Included only to assist the reader In visualizing the property and understanding the appraiser's determination
of its size.
3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency
(or other data sources) and has noted In this appraisal report whether any portion of the subject site Is located In an
Identified Special Flood Hazard Area. Because the appraiser Is not a surveyor, he or she makes no guarantees, express or
Implied, regarding this determination.
4. The appraiser will not give testimony or appear In court because he or she made an appraisal of the property In question,
unless specific arrangements to do so have been made beforehand, or as otherwise required by law.
5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the
presence of hazardous wastes, toxic substances, etc.) observed during the Inspection of the subject property or that he or
she became aware of during the research Involved In performing this appraisal. Unless otherwise stated In this appraisal
report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the
property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances,
adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no
such conditions and makes no guarantees or warranties, express or Implied. The appraiser will not be responsible for any
such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions
exist Because the appraiser Is not an expert In the field of environmental hazards, this appraisal report must not be
considered as an environmental assessment of the property.
6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that Is subject to
satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject
property will be performed in a professional manner.
Freddie Mac Form 465 March 2005
Page 4 of 6
fannie Mae Form 1073 March 2005
Fonn 1073- 'WinTOTAI.' appraJsaI software by a fa mode,lnc. -1-aoo-AlAMODE
Individual Condominium Unit Appraisal Report
Summary Report
Riel 7-0214 R-1
APPRAISER'S CERTlRCATlON: The Appraiser certifies and agrees that:
1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated In
this appraisal report.
2. I performed a complete visual Inspection of the Interior and exterior areas of the subject property. I reported the condition
of the Improvements In factual, specific terms. I Identified and reported the physical deficiencies that could affect the livability,
soundness, or structural Integrity of the property.
3. I performed this appraisal In accordance with the requirements of the Uniform Standards of Professional Appraisal
Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were In
place at the time this appraisal report was prepared.
4. I developed my opinion of the market value of the real property that Is the subject of this report based on the sales
comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach
for this appraisal assignment. I further certify that I considered the cost and Income approaches to value but did not develop
them, unless otherwise Indicated In this report.
5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for
sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject
property for a minimum of three years prior to the effective date of this appraisal, unless otherwise Indicated In this report.
6. I researched, verified, analyzed, and. reported on the prior sales of the comparable sales for a minimum of one year prior
to the date of sale of the comparable sale, unless otherwise Indicated In this report.
7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property.
8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that
has been built or will be built on the land.
9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject
property and the comparable sales.
10. I verified, from a disinterested source, all Information In this report that was provided by parties who have a financial Interest In
the sale or financing of the subject property.
11. I have knowledge and experience In appraising this type of property In this market area.
12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing
services, tax assessment records, public land records and other such data sources for the area In which the property Is located.
13. I obtained the Information, estimates, and opinions fumished by other parties and expressed In this appraisal report from
reliable sources that I believe to be true and correct.
14. I have taken Into consideration the factors that have an Impact on value with respect to the subject neighborhood, subject
property, and the proximity of the subject property to adverse Influences In the development of my opinion of market value. I
have noted In this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the
presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the Inspection of the
subject property or that I became aware of during the research Involved In performing this appraisal. I have considered these
adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and
marketability of the subject property.
15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all
statements and Information In this appraisal report are true and correct.
16. I stated In this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which
are subject only to the assumptions and limiting conditions In this appraisal report.
17. I have no present or prospective Interest In the property that Is the subject of this report, and I have no present or
prospective personal Interest or bias with respect to the participants In the transaction. I did not base, either partially or
completely, my analysis and/or opinion of market value In this appraisal report on the race, color, religion, sex, age, marital
status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the
present owners or occupants of the properties In the vicinity of the subject property or on any other basis prohibited by law.
18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not
conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a
predetermined specific value, a predetermined minimum value, a range or direction In value, a value that favors the cause of
any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending
mortgage loan appUcation).
19. I personally prepared all conclusions and opinions about the real estate that were set forth In this appraisal report. If I
relied on slgnlflcant real property appraisal assistance from any Individual or Individuals In the performance of this appraisal
or the preparation of this appraisal report, I have named such Indlvldual(s) and disclosed the speclflc tasks performed In this
appraisal report. I certify that any Individual so named Is quallfled to perform the tasks. I have not authorized anyone to make
a change to any Item In this appraisal report; therefore, any change made to this appraisal Is unauthorized and I will take no
responsibility for It.
20. I Identified the lender/client In this appraisal report who Is the Individual, organization, or agent for the organization that
ordered and will receive this appraisal report.
freddie Mac Form 465 March 2005
Page 5 of6
Fannie Mae Form 1073 March 2005
Folm 1073- 'WinTOTAL' appraisal soIlwant by a Ia mode, inc. -1-800-ALAMOOE
Individual Condominium Unit Appraisal Report
Summary Report
FIIe# 7-0214 R-1
21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the
borrower; the mortgagee or Its successors and assigns; mortgage Insurers; govemment sponsored enterprises; other
secondary market participants; data collection or. reporting services; professional appraisal organizations; any department,
agency, or Instrumentality of the United States; and any state, the District of Columbia, or other Jurisdictions; without having to
obtain the appraiser's or supervisory appraiser's (If applicable) consent. Such consent must be obtained before this appraiSal
report may be disclosed or distributed to any other party ~ncludlng, but not limited to, the pUblic through advertising, public
relations, news, sales, or other media).
22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/Client may be subject to certain
laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice
that pertain to disclosure or distribution by me.
23. The borrower, another lender at the request of the borrower, the mortgagee or Its successors and assigns, mortgage
Insurers, govemment sponsored enterprises, and other secondary market participants may rely on this appraisal report as part
of any mortgage finance transaction that Involves anyone or more of these parties.
24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are
defined In appliCable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this
appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and
valid as If a paper version of this appraisal report were delivered containing my original hand written signature.
25. Any Intentional or negligent mlsrepresentation(s) contained In this appraisal report may result In civil liability and/or
criminal penalties Including, but not limited to, fine or Imprisonment or both under the provisions of TItle 18, United States
Code,Sectlon 1001, et seq., or similar state laws. .
SUPERVISORY APPRAISER'S GERTlAGATlON: The Supervisory Appraiser certifies and agrees that:
1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's
analysis, opinions, statements, conclusions, and the appraiser's certification.
2. I accept full responsibility for the contents of this appraisal report Including, but not limited to, the appraiser's analysis, opinions,
statements, conclusions, and the appraiser's certification.
3. The appraiser Identified In this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the
appraisal firm), Is qualified to perform this appraisal, and Is acceptable to perform this appraisal under the applicable state law.
4. This appraisal report complies with the Uniform Standards. of Professional Appraisal Practice that were adopted and
promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were In place at the time this appraisal
report was prepared.
5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are
defined In applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this
appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and
valid as If a paper version of this appraisal report were delivered containing my original hand written signature.
APPRAISER
Signature "L2- L s-l::
Name Dennis Stover
Company Name Clauser Real Estate Appraisals
Company Address P. O. Box m. Camp Hili. PA 17oo1-om
Telephone Number C71n 737-7300
Emall Address dstovennaxlBlcomcnet
Date of Signature and Report 2-27-07
Effective Date of Appraisal 1-4-07
State Certification # RL 138906
or State Ucense #
or Other State #
State PA
Expiration Date of Certification or Ucense 6l3Ol2OO7
ADDRESS OF PROPERlY APPRAISED
130 W PorUand st # 5
Mechanlcsbul'll. PA 17055-7412
APPRAISED VALUE OF SUBJECT PROPERlY $ 100.000
LENDER/CUENT
Name
Company Name Samuel L Andes. Attomev at Law
Company Address PO Box 168. Lemovne. PA 17043
Emall Address
Fannie Mae Fonn 1073 March 2005
Freddie Mac Fonn 465 March 2005
SUPERVISORY APPRAISER (ONLY IF REQUIRED)
Signature
Name
Company Name
Company Address
Telephone Number
Emall Address
Date of Signature
State Certification #
or State Ucense #
State
Expiration Date of Certification or Ucense
SUBJECT PROPERlY
o Old not Inspect subject property
o Old Inspect exterior of subject property from street
Date of Inspection
o Did Inspect Interior and exterior of subject property
Date of Inspection
COMPARABLE SALES
o Did not Inspect exterior of comparable sales from street
o Old Inspect exterior of comparable sales from street
Date of Inspection
Page6of6
Fonn 1073 - 'WInTOTAl' appra/sa/ soIIware by a Ia mode. Inc. -1-800-Ai..AMOOE
Subject Photo Page
Coo Cumberland
Stale PA
Code 17055-7412
Subject Front
130 W Portland St, # 5
NA
1,128
5
2
1
Suburban
Avg
Avg
Avg
18
Subject Rear
Subject Street
Folm P1CPIX.SR - 'WInTOTAL' appraisal software by a Ia mode, k1c. -l-800-ALAMOOE
SaJes Pr1ce
Gross LMng Area
TIlIlII Rooms
Total Bedrooms
TIlIlII Bathrooms
loca1Ion
VIew
SIla
Quality
Age
Subject Interior Photo Page
Coo Cumberland
S1aIe PA
Code 17055-7412
Subject Interior
130 W Portland St, # 5
Sales PrIce NA
Gross lMng Area 1,128
Total Rooms 5
Total Bedrooms 2
Total Ba1hrooms 1
Location Suburban
VIew Avg
SIte Avg
Quality Avg
Age 18
Subject Interior
Subject Interior
Form P1CPIX.SI- "WInTOTAL' appraisal software by a Ia mode, Inc. -l-aoD-AlAMODE
Subject Interior Photo Page
Cou Cumberland
Slate PA
Zl Code 17055-7412
at Law
SubJect Interior
130 W Portland Sl, # 5
Sales Pr1ce NA
Gross UvIng Area 1,128
Total Rooms 5
Total Bedrooms 2
Total Balhrooms 1
LocaIIon Suburban
View Avg
SIIB Avg
Quality Avg
Age 18
SubJect Interior
SubJect Interior
Form PICPlX.SI- 'WInTOTAl' appraisal software by a Ia mode,lnc. -l-800-ALAMODE
Comparable Photo Page
Coo Cumberland
at Law
Slate PA
Code 17055-7412
Comparable 1
126-4 W. PorUand Sl
Prox.lD Subject Less than .01 mile E
Sale Prfce 105,000
Gross living Area 1,128
TolaI Rooms 5
To1aI8edrooms 2
TolaI BaIhrooms 1
I.ocaIIoo Suburban
VIew Avg
SiIB Avg
OUallly Avg
Age 18
Comparable 2
128-12 W. Portland Sl
Prox. 10 Subject Less than .01 mile E
Safe PrIce 94.900
Gross UvIng Area 1,128
TolaI Rooms 5
Total Bedrooms 2
TotaIllaIhmoms 1
locauon Suburban
View Avg
SiIB Avg
OUaHty Avg
Age 18
Comparable 3
130-8 W. Portland Sl
Prox. 10 Subject Less than .01 mile E
Safe PrIce 89,900
Gross UvIng Area 1,128
Total Rooms 5
To1aI Bedrooms 2
To1aI Ballrooms 1
locallon Suburban
View Avg
SiIB Avg
OUallly Avg
Age 18
Fonn ptCPD(.CR - 'WlilTOTAl' appraJsaI sollware by a Ie mode,lnc. -1-800-AlAMODE
NA
'roo8rlv Address 130 W Portland St
b Mechanlcsbura County Cumberland Stale PA ZID Code 17055-7412
anltar Samuel L Andes Attorney at Law
Special Conditions
Ale No 7-0214 R-l
SPECIAL CONDmONS ADDENDUM
The following checked Items are spec/flc special conditions that were identified by the appraiser during the Inspection of the
subject property, the Incompareble sales, and thelr neighborhoods and Iocatfons.
1. The subject Is located In a rurel area and Is less than 25% built-up. The condition Is
typical and common for the area and DOES NOT affect the market value.
_X_ 2. Commercial uses are located within the subject's neighborhood. These uses are typical
of similar neighborhoods and DO NOT affect the market value.
-~ 3. Industrial uses are located within the subject's neighborhood. The presence of
Industrial uses, Is typical for the neighborhood and DOES NOT affect the market value.
_X_ 4. Vacant and underdeveloped land uses are located within the subject's neighborhood.
These uses are typical for the area and DO NOT affect the market value.
- 5. The predominant value In the neighborhood Is less than that of the market value of the
subject property, This condition Is due to the superior qualities of the subject
property as described In this report. This condition DOES NOT affect the market value.
6. The subject property Is located In a F. I. A. identified Flood Zone.
7. Dampness is noted In the basement of the subject. Standing or running water was not
present on basement floor.
_X_ 8. The subject Is older than 1lve(5) years old~ Ail mechanical systems Including the
heating, electrical and plumbing system appears upon a visual exterior Inspection to
be In working order. No warranties are Implied In this statement
9. The electrical system was not connected during Inspection.
_ 10. The water service was not connected during Inspection.
_ 11. The heating system wes shut clown during Inspection.
_ 12. Well and septic are common to the area.
_ 13. Repair items were noted In the comments section of the report. These comments on
repair items are for descriptive purposes only and are not required repairs. The
repair Itema are cosmetic In nature and DO NOT affect the market value.
- 14. Subject Is new construction and was 90% completed on date of inspection. Compliance
and completfon Inspections suggested prior to settlement.
_X_ 15. Should property be sold, termite and radon certIflcatfons are suggested, with appraised
value based on clear results.
- 16. The land value exceeds 30% of total value due to the high demand for vacant land in
this neighborhood. This condition is consldared common and typical for the
neighborhood and DOES NOT affect the market value.
- 17. The land value exceeds 30% of total value. This Is due to the large size of the site.
this condition Is consldared to be typical and common and DOES NOT affect there market
value.
- 18. IndMdual adjustments ware required that exceed 10%. These adjustments were required
due to the lack of more similar comparables on that IndMdual rating. Ail three
comparebles are the BEST AVAiLABLE.
- 19. Total adjustments exceed 15%. This Is due to the lack of comparebles on that IndMdual
rating. Ail three comparables are the BEST AVAiLABLE.
_X_ 20. One or more compareble sales are older than s1x(6) months old. Aithough there are
comparable properties in the subject area, none have sold recently, therefore, sales
In excess of six (6) months old had to be used.
_X_ 21. One or more of the comparabies used were In excess of one(l) mile from the subject
property. Although there are comparables In the Immediate area, none have sold
recently. Therefore, It was necessary to use comparable sales outside of the
Immediate area. Ail comparables used are located in slmller neighborhoods and within
the same marketing ~rea. Ail three comparebles used were the BEST AVAILABLE.
_ 22. Roofing certIflcatfon Is suggested.
_ 23. Plumbing certifIcatlon Is suggested.
_ 24. Electrical certifIcatlon Is suggested.
_ 25. Heating certIflcatfon Is suggested.
_ 26. Flood Hazard Insurance Is suggested.
- 27. Seller Is paying part or all of closing cost. This DOES NOT affect the market value.
_X_ 28. Ail comparable sales are closed sales.
-"_ 29. The subject property has not transferred In the past 3 years.
_X_ 30. This appraisal Is a SUlTllTl8lY Report with complete date retained in appraisal file.
Fonn SUP - 'WInTOTAl' appraisal software by a Ia mode, Inc. -1-800-AlAMODE
Signature Compliance
Ale No. 7-0214 R-1
NA
Address 130 W Portland St
Mechanlcsbu
Samuel L. Andes Attorn
Cumberland
StaIB PA
ZI Code 17055-7412
ELECTRONIC SIGNATURE COMPLIANCE
Wlntotal and Project 2000 are fully ASS (Appraisal Standards Board) compliant in their security. The signatures on this
report have not been altered In any way and tha digital signatures are to be considered as original.
Form SUP - "WInTOTAl' appraisal sollwal8 by a la mode, Inc. -1-800-AlAMODE
Certificate
Coo Cumberland
StaIB PA
ZI Code 17055-7412
at Law
"'. .~., ,-
ilamlS>L &TOVER
"G25ADEUAST
..~OWNPJ, 17057.
;()~
)Cer6fiCate TyPe.
.;~ ., ~ . . .
';C,dlfledResidentfal Appraiser
., Certificate
Number
;~~r:~ i
:~L-.~..
~ . ~ol~...t:OecaplIionaI Affairs
fJj{~/!P/,l.
Fonn MAP.PlAT - 'WInTOTAI.' appraisal software by a Ia mode,lnc. -1-800-ALAMOOE
.... bfApB W-
Commenta:
GLA1
Fira-t Floor
Net LIVABLE Area
Building Sketch
Coo Cumberland
at Law
130 W. PORTLAND ST., UNIT 5
44.0'
BEDROOM
~
51 BATH LMNG ROOM
::::>
:s
Stale PA
o
lci
....
" 36.0
" 15.0
Form SKT.BldSkI-'WInTOTAL' aprnIsaI software by a la mode, Inc. -1-800-ALAMOOE
o
cO
N
DINING
BEDROOM KITCHEN AREA
8.0'
o
CO;
....
36.0'
Zi Code 17055-7412
........v~""" .:;'i:c'jf$-I;
.~"'."."".<..."'-'_:;;l'
.if.~~_..
1128.0 1128.0
(Rounded)
1128
2 ltams
(Rounded)
1008 . 0
120.0
1128
Location Map
Coo
Cumberland
Code 17055-7412
at Law
/,---~,
/'\ y~' -'>t
II ~:- .;
...--...-' -
.,
:''''"'':'
, "
'It /'
/~
.. '
" ,f"
'!::~/ .
'"-.... '
\.0.-..\
, \
'l '.
Co, \.
, t
:\ *,
/ ____I 'y-,
. :; /"
- 'lItio..../
----..
,/
~
,\
~
, i
)
.. r-n---- "
1 f i'-- -~.. liP
--~::::::.-..--_/-~"'-'
.- ,.----.-- ' "
',-
""-"'-::':'//
.-------' , , J",
~--~-- :'.
~' .------- ...
.. .. '
, '
, '
~-,-
__l:
,'-
,__,II., ",
M.w-.' ,
{-:-/
~~
\\ ......... t,.,
, 'k '"
\-+- ,,=--
\~. . '
~ I' . .' ~...o
~/1.12 I' ~ '
. . = ". .
'. . ." ~. \;":/ . ,. ....t .
\,~~/,: \,~, \ ,,-<.~
, ~"."r.--r,' ....... .',' . i..' ~ """ c"0.. .---<,
..~~. !l.- .,.~'" ".,.' ,,:'u-'" '-'7 -~."'~
.... . c' . __ .,-"" .. "\ · L--'--t::., /~;:r-:",,/ ·
/~, --' \,..-~\ " \ ".~ .~,.;~....--"",,/" .' ~----'/
'; \ .:::,' / -> _.,,....-",' ~J' , "",'
:' \ _~//', ,-'t:',-,\/ :~\ '~~,:, /" //..Jt.~,...- /" ;/-::,~,~,;;:r \ ~~,
/.........,.. . I ~ /" ?~ /" /' /. \ '.---"
. ' ' ' "'- JY'" /' -
" .. /c..... ,;., ';'''' ' ";">
. ' t .,,;. .~' c/
';;0 . \ ,~"v
,~ "I"',; / ",.''''''' il
i \',~ "
.-.1 ~..' \'."
~I_/ - '~
--' ..
,_____~ 1
I~'
..
,
j
Form MAP.LOC - 'WInTOT '
AL appraisal software by a Ia mode Inc
, .-1-800-ALAMOOE
o PNCBAN<
January 31, 2007
Samuel L. Andes
Attorney at Law
525 North Twelfth Street
P.O. Box 168
Lemoyne, P A 17043
RE: Estate of Colleen M. Yinger, deceased
SSN: 177~24-6006
DOD: 1/412007
Dear Mr. Andes:
'IJ.C: roo ~'1;)l:I
t"'.101
In response to your request for Date of Death balances for the customer noted above, our
records show the foHowing:
Certificates of Deposit
Account #21001011049
COLLEEN M YINGER
DOD balance: $7,500.00 + $8.12 accrued interest
Account #21001011050
COLLEEN M YINGER
DOD balance: $10,000.00 + $10.84 accrued interest
Account #21001011270
COLLEEN M YINGER
DOD balance: $4,551.41 + $9.30 accrued interest
Checking Account
Account #5070076097
COLLEEN M YINGER
DOD balance: $62,603.80 + $3.37 accmed interest
Savings Account
Account #5030061288
COLLEEN M YINGER
DOD balance: $11,134.96 + $.49 accrued interest
Page 1 of 2
Established 10/19/1993
Established 10/1911993
Established 12/12/1994
Established 04/19/1993
Established 04/08/1983
~.~ I~~ W~WU , .~~
Please note that this office only provides date of death balances for deposit accounts
(lRAs, CDs, Checking and Savings accounts). We do not process any tinancial
transactions or provide statements. If you need assistance with any of these items,
please call1-888~PNC-BANK (1-888-762-2265) or stop by your local PNC Bank branch
office.
Sincerely,
~~
Rachel1e Wells
1-800-762-1775
P7-PFSC-04-F
soo first A vc.
Pittsburgh PA 15219
Page 2 of2
Member FDIC
TOTAL P. 02
Allstate Life Insurance Company
544 Lakeview Parkway
Vernon Hills, IL 60061
Telephone: (877) 499-6418
Facsimile: (866) 635-4523
Q}}> Allstate.
FINANCIAL
February 6,2007
Samuel L. Andes
Attorney at Law
P.O. Box 168
Lemoyne, P A 17043
Re:
Contract No:
Colleen M. Yinger
GA280553
Dear Mr. Andes:
We have been requested to complete IRS Form 712 with regard to the above referenced contract. The
purpose of Form 712 is to provide an estate or donor with the value of a life insurance contract or its
proceeds as of a certain date (usually the owner's date of death or date of transfer of the contract).
This contract is an annuity contract, which is not reportable on IRS Form 712. The following information is
provided for estate purposes only as of the date specified:
Date of Death:
Annuity Value* as of Date of Death:
Cost Basis:
Named Beneficiary:
January 4, 2007
$ 8,812.14
$ 8,810.00
Mark D. Yinger
*The actual amount paid may differ due to Market Value Adjustments and/or any applicable Surrender
Charges.
If you have any questions, please contact our Customer Care Unit at 1-877-499-6418.
Sincerely,
'~~~
Valarie Melton
Sr. Claim Examiner