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REV-1500
INHERITANCE TAX RETURN
RESIDENT DECEDENT
:OMMONWEAL TH OF
PENNSYLVANIA
DEPARTMENT OF REVENUE
DEPT 280601
HARRISBURG, PA 17128-0601
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DECEDENrs NAME (LAST FIRST, AND MIDDLE INITIAL)
BIXLER JR.
DATE OF DEATH (MM-OD-Year)
JOHN
DATE OF BIRTH (MM-DD-Year)
K.
01/16/2007 08/13/1927
(IF APPLICABLE) SURVIVING SPOUSE'S NAME (LAST, FIRST, AND MIDDLE INITIAL)
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~Sus
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(X] 1. Original Return
o 4. Limited Estate
(X] 6. Decedent Died Testate (Attach COllY of WiQ)
o 9. Litigation Proceeds Received
o 2. Supplemental Return
o 4a. Future Interest Compromise (date of death after 12-12-82)
o 7. Decedent Maintained a Living Trust (Attach COllY oITrus!)
o 10. Spousal Poverty Credit (date of death between 12-31-91 and 1.1-95)
'JFF!C:AL USE QNL f
FILE NUMBER
2 1 -0 7 0 1 4 8
CciUNTV~ -VEAA- - - NUM8ER- -
SOCIAL SECURITY NUMBER
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
SOCIAL SECURITY NUMBER
o 3. Remainder Return (date of death prior to 12-13-82)
o 5. Federal Estate Tax Return Required
_ 8. Total Number of Safe Deposit Boxes
o 11. Election to tax under Sec. 9113(A) (Attach Sch 0)
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THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
NAME COMPLETE MAILING ADDRESS
ROGER B. IRWIN ESQUIRE 60 WEST POMFRET STREET
FIRM NAME (If Applicable)
IRWIN & McKNIGHT
TELEPHONE NUMBER
717 249-2353 CARLISLE PA 17013
1. Real Estate (Schedule A) (1)
2. Stocks and Bonds (Schedule B) (2)
3. Closely Held Corporation, Partnership or Sole-Proprietorship (3)
4. Mortgages & Notes Receivable (Schedule D) (4)
5. Cash, Bank Deposits & Miscellaneous Personal Property (5)
(Schedule E)
6. Jointly Owned Property (Schedule F) (6)
o Separate Billing Requested
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (7)
(Schedule G or L)
8. Total Gross Assets (total Lines 1-7)
9. Funeral Expenses & Administrative Costs (Schedule H) (9)
10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) (10)
11. Total Deductions (total Lines 9 & 10)
12. Net Value of Estate (Line 8 minus Line 11)
13. Charitable and Governmental BequestslSec 9113 Trusts for which an election to tax has not been
made (Schedule J)
14. Net Value Subject to Tax (Line 12 minus Line 13)
SEE INSTRUCTIONS ON REVERSE SIDE FOR APPLICABLE RATES
15. Amount of Line 14 taxable at the spousal tax
rate, or transfers under Sec. 9116 (a)(1.2)
0.00 X _(15)
781,764.83 X .045 (16)
458,381.54 X .12 (17)
0.00 X .15 (18)
(19)
16. Amount of Line 14 taxable at lineal rate
17. Amount of Line 14 taxable at sibling rate
18. Amount of Line 14 taxable at collateral rate
19. Tax Due
20. [8]
CHECK HERE IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT
224,000.00
479,053.71
OFFICIAL USE ONLY
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192,961.83
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1,297,850.70
47,150.52
8,553.81
(11)
(12)
(13)
55,704.33
1 ,242,146.37
2,000.00
(14)
1,240.146.37
0.00
35,179.42
55,005.78
0.00
90,185.20
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REV- i502 EX + (6-98'
.
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
BIXLER JR. JOHN K. 21 07 0148
All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be
exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts.
Real DrODertv which is iointlv-owned with riQht of survivorshiD must be disclosed on Schedule F.
SCHEDULE A
REAL ESTATE
2.
DESCRIPTION
KINGS GAP ROAD, DICKINSON TOWNSHIP, CUMBERLAND COUNTY, PA
17.98 ACRES
PARCEL NUMBER 08-12-0334-063
545 PARK DRIVE, SOUTH MIDDLETON TOWNSHIP, CUMBERLAND COUNTY, PA
PARCEL NUMBER 40-11-0286-052
VALUE AT DATE
OF DEATH
72,000.00
ITEM
NUMBER
1.
152,000.00
TOTAL (Also enter on line 1, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
224 OOO.OC
..:2/- 503 EX - 6- :iil
.
SCHEDULE B
STOCKS & BONDS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
BIXLER JR.
JOHN
K
0148
All property jointly.owned with right of survivorship must be disclosed on Schedule F.
ITEM
NUM8ER
1.
DESCRIPTION
VALUE AT DATE
OF DEA TH
1,296.02
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
43 SHARES OF IDEARC INC.
43 SHARES X $30.14 PER SHARE = $1,296.02
CUSIP #
450 SHARES OF AQUILA, INC.
450 SHARES X $4.63 PER SHARE = $2,083.50
CUSIP #918005 10 9
500 SHARES OF BRISTOL-MYERS SQUIBB CO.
500 SHARES X $26.57 PER SHARE = $13,285.00
CUSIP #110122108
1 SHARE OF CONSOLIDATED EDISON COMPANY OF NEW YORK STOCK
1 SHARES X $91.50 PER SHARE = $91.50
CUSIP #209111 70 7
300 SHARES OF INTERMEC, INC.
300 SHARES X $24.40 PER SHARE = $7,320.00
CUSIP #458786100
2.500 SHARES OF NEW PLAN EXCEL TRUST INC.
2,500 SHARES X $27.96 PER SHARE = $69,900.00
CUSIP #648053106
60 SHARES OF NORFOLK SOUTHERN CORP.
60 SHARES X $51.78 = $3,106.80
CUSI P #655844 10 8
500 SHARES OF TOPPS CO. INC.
500 SHARES X $9.33 PER SHARE = $4,665.00
CUSIP #890786106
864 SHARES OF VERIZON COMMUNICATIONS INC.
864 SHARES X $37.16 PER SHARE = $32,106.24
CUSIP #077853109
CITIGROUP GLOBAL MARKETS INC.
PREFERRED STOCKS, BONDS
ACCOUNT NUMBER #652-03983-11 044
15 SHARES OF AT&T
15 X $34.45 PER SHARE = $516.75
CUSIP #
T. ROWE PRICE - NEW ERA (NONRETIREMENT)
ACCOUNT NUMBER: 52402969-3
2,083.50
13,285.00
91.50
7,320.00
69,900.00
3,106.80
4,665.00
32,106.24
268,839.00
516.75
75,843.90
TOTAL (Also enter on line 2, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
479053.71
REV-1508 EX + (6-98)
.
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
BIXLER JR
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
FILE NUMBER
JOHN K. 21 07
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
0148
ITEM
NUMBER
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
DESCRIPTION
VALUE AT DATE
OF DEATH
7,659.76
CASH ON HAND
M&T BANK - CHECKING ACCOUNT #403555
4,199.34
M&T BANK - CERTIFICATE OF DEPOSIT #031003908144246
26,389.88
M&T BANK - CERTIFICATE OF DEPOSIT #031003912517512
25,424.35
F&M BANK - MONEY MANAGEMENT ACCOUNT #70-70314
98,224.44
F&M BANK - CERTIFICATE OF DEPOSIT #016-2979751
26,778.50
SOVEREIGN BANK - CHECKING ACCOUNT #1671074459
201 .33
SOVEREIGN BANK - CERTIFICATE OF DEPOSIT #1675539736
80,714.32
SOVEREIGN BANK - MM SAVINGS ACCOUNT #1674060785
0.36
PERSONAL PROPERTY - COINS
APPRAISAL ATTACHED
175.31
PERSONAL PROPERTY - JEWELRY
1,080.00
PERSONAL PROPERTY - APPRAISAL FROM LINDEN HALL ANTIQUES ATTACHED
13,500.00
T. ROWE BROKERAGE ACCOUNT
10,304.00
TOTAL (Also enter on line 5, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
294 651 .59
<E'I-1 Si")g :x ~ ,-";8)
.
SCHEDULE F
JOINTLY-OWNED PROPERTY
COMMONWEAL TH OF PENNSYL VANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
BIXLER. JR
JOHN
K.
FILE NUMBER
21 07
0148
If an asset was made joint within one year of the decedent's date of death, it must be reported on Schedule G.
SURVIVING JOINT TENANT(S) NAME
ADDRESS
RELATIONSHIP TO DECEDENl
A. E. JEAN BIXLER
119 RACE STREET
BOILING SPRINGS, PA 17007
SISTER
B
c
JOINTLY-OWNED PROPERTY:
LEITER DATE DESCRIPTION OF PROPERTY %OF DATE OF DEATH
ITEM FOR JOINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR DATE OF DEATH DECO'S VALUE OF
NUMBER TENANT JOINT IDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY-HELD REAL ESTATE, VALUE OF ASSET INTEREST DECEDENT'SINTERES
1. A. 168 E. MAIN STREET, S. NEWTON TOWNSHIP, 380,000.00 50. 1 90,000.OC
CUMBERLAND COUNTY, PENNSYLVANIA
1/2 INTEREST
2. A M&T BANK 5,923.66 50. 2,961.8~
SAVINGS ACCOUNT #523322774
TOTAL (Also enter on line 6, Recapitulation) $ 192,961.83
(If more space is needed, insert additional sheets of the same size)
:"::V-1510 E>' ,- '5-98)
'*
SCHEDULE G
INTER.VIVOS TRANSFERS &
MISC. NON.PROBA TE PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
BIXLER. JR.
JOHN
K.
This schedule must be completed and filed if the answer to any of questions 1 through 4 on tI1e reverse side of the REV-1500 COVER SHEET is yes.
FILE NUMBER
21 07
0148
DESCRIPTION OF PROPERTY
ITEM INCLUDE THE NAME OF THE TRANSFEREE. THEIR RELATIONSHIP TO DECEDENT AND DATE OF DEATH % OF DECD'S EXCLUSION TAXABLE
NUMBER THE DATE OF TRANSFER. AITACH ACOPV OFTHE DEEO FOR REAl ESTATE VALUE OF ASSET INTEREST (IF AP.UCABLEJ VALUE
1. T. ROWE PRICE - TRADITIONAL IRA 24,723.64 100. 24,723.64
ACCOUNT NUMBER: 540246631-5
2. AIG ANNUITY INSURANCE COMPANY 30,084.36 100. 30,084.36
POLICY NUMBER: FJ228611
BENEFICIARY - JEAN BIXLER
3. JOHN HANCOCK - ANNUITY #GP07287266 52,375.57 100. 52,375.57
BENEFICIARY - JEAN BIXLER
TOTAL (Also enter on line 7 Recapitulation) $ 107183.57
(If more space is needed, insert additional sheets of the same size)
. ~V-j: ~ - 2-~9)
*'
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RFURN
RESIDENT DECEDENT
ESTATE OF
-.BIXLER JR.
JOHN
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
I
FILE NUMBER
K
21
07
0148
Debts of decedent must be reported on Schedule I.
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
1. HOFFMAN-ROTH FUNERAL HOME 6,814.7::
2. CARLISLE MEMORIAL SERVICE, INC. 170.DC
B. ADMINISTRA TIVE COSTS:
1. Personal Representative's Commissions
Name of Personal Representative (s)
Social Securily Numbe~s)/EIN Number of Personal Representative(s)
Street Address
Cily State Zip
Yea~s) Commission Paid:
2. Attomey Fees Irwin & McKnight 37,000.00
3. Family Exemption: (If decedenfs address is not the same as claimanfs, attach explanation)
Claimant
Street Address
Cily State Zip
Relationship of Claimant to Decedent
4. Probate Fees Register of Wills 598.00
5. Accountanrs Fees
6. Tax Retum Prepare(s Fees Patricia A. Rosendale, CPA - FIDUCIARY RETURN AND 750.00
INCOME TAX RETURN
7. REGISTER OF WILLS - FILING FEE 30.00
8. NOTARY FEES 50.00
9. HARRY E. DONSON - APPRAISAL ON COINS/JEWELRY 45.00
10. COMMONWEALTH OF PENNSYLVANIA - ACCIDENT REPORT 8.00
11. STEVEN BARRETT REAL ESTATE - APPRAISALS ON REAL ESTATE (3) 1,075.00
12. CUMBERLAND LAW JOURNAL - ESTATE NOTICE 75.00
13. THE SENTINEL - ESTATE NOTICE 144.29
14. RECORDER OF DEEDS - FILING FEES (3 DEEDS) 118.50
15. REGISTER OF WILLS - SHORT CERTIFICATES (8) 32.00
16. LINDEN HALL ANTIQUES - APPRAISAL ON PERSONAL PROPERTY 150.00
17. VITAL RECORDS -ADDITIONAL DEATH CERTIFICATES 90.00
TOTAL (Also enler on line 9, Recapitulation) $ 47150.52
(If more space is needed. insert additional sheets of the same size)
REV-1512 ::x + i6-98)
'*
SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES, & LIENS I
FILE NUMBER
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
BIXLER JR.
JOHN
K.
21
07
0148
Include unreimbursed medical expenses.
ITEM
NUMBER DESCRIPTION
1. MET-ED - ELECTRIC
VALUE AT DATE
OF DEATH
282.84
2. EMBARQ - TELEPHONE
516.13
3. Mel - TELEPHONE
49.63
4. SUBURBAN PROPANE - PROPANE
2,026.73
5. SOUTH MIDDLETON TOWNSHIP - WATER/SEWER
102.40
6. WASTE MANAGEMENT - TRASH
46.80
7. CAROL YN R. McQUILLEN - REAL ESTATE TAXES
609.60
8. JUDY A. CAMPBELL - REAL ESTATE TAXES
1,531.46
9. BEVERLY ROSENBERRY - TAX COLLECTOR - REAL ESTATE TAXES
616.69
10. STATE FARM INSURANCE - HOMEOWNERS INSURANCE
543.78
11. HARTZELL EYE MDS - MEDICAL
61.21
12. JOHN HANCOCK - REIMBURSEMENT OF ANNUITY PAYMENT
2,166.54
TOTAL (Also enter on line 10, Recapitulation) $
8 553.81
(If more space is needed, insert additional sheets of the same size)
,,,-,,,, " -.
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
RIVI ~c JR
NUMBER
1.
SCHEDULE J
BENEFICIARIES
JOHN
I
FILE NUMBER
?1 (17
RELA TlONSHIP TO DECEDENT
Do Not List Trustee(s)
n14R
AMOUNT OR SHARE
OF ESTATE
25% and Real Estate
25%, Real Estate, and
2 Annuities
50% In Trust
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 1 S, AS APPROPRIATE, ON REV-1500 COVER SHEET
II. NON-TAXABLE DISTRIBUTIONS:
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE
1. The Salvation Army of Carlisle 1,000.00
2.
1.
K
NAME AND ADDRESS OF PERSCN(S) RECEIVING PROPERTY
TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transiers under
Sec. 9116 (a) (1.2)]
1.
John K. Bixler, III
Lineal
2.
E. Jean Bixler
Sibling
3.
Christine M. Bixler
Lineal
4.
Catherine D. Bixler
Lineal
5.
John T. Bixler
Lineal
Bethesda Mission of Harrisburg
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
TOTAL OF PART II - ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET
(If more space is needed, insert additional sheets of the same size)
1,000.00
$
2000.00
LAST WILL A~D TESTA:\IENT
I, JOHN K. BIXLER, JR., of South Middleton Township, Cumberland County,
Pennsylvania, being of sound and disposing mind and memory, do hereby make, publish and dec!are
this to be my Last Will and Testament, hereby revoking any and all former Wills or Codicils by me
made.
1.
I direct that all my legally enforceable debts, funeral expenses, testamentary expenses and all
inheritance taxes (whether such taxes may be payable by my estate or by any recipient of any
property) shall be paid from my residuary estate as soon as practicable after my decease and as part
of the administration of my estate. My personal representative shall have no duty or obligation to
obtain reimbursement for any such tax so paid, even though on proceeds of insurance or other
property not passing under this Will.
2.
I give, devise and bequeath my one-half (112) interest in the tract of land (farm) with
buildings and improvements erected thereon, and the contents thereof, situate in South Ne'vVton
Township, Cumberland County, Pennsylvania, containing approximately 84 acres (said real property
being owned in tenancy in common \vith my sister, E. Jean Bixler) unto my sister, E. JEAN
BIXLER, absolutely. In the event my said sister shall fail to survive me, then I give, devise and
bequeath any interest which I may have in said real property unto my son, JOHN K. BIXLER III.
..,
.J.
I give, devise and bequeath all the rest, residue and remainder of my real property (consisting
presently of my home situate at 545 Park Drive, South Middleton Tovmship, Cumberland County,
Pennsylvania; my parcel of mountain ground situate on Kings Gap Road in Dickinson To\vnship,
Cumberland County, Pennsylvania, containing approximately] 9 acres; and my parcel of mountain
ground situate in Penn T o 'vVTIship, Cumberland County, Pennsylvania, containing approximately 12.5
acres), including the contents thereof, unto my son, JOHN K. BIXLER III, absolutely.
Page I of 5 Pages
JK.i~
J.K.B.
4.
I give, devise and bequeath the sum of One- Thousand ($ I ,000.00) Dollars unto each of
following charitable beneficiaries: THE SALVA nON AR.vIY of Carlisle, Pennsylvania, and
BETHESDA MISSION of Harrisburg, Pennsylvania.
5.
1 give, devise and bequeath all the rest, residue and remainder of my estate, both real and
personal property, in the following manner:
a. Twenty-Five (25%) percent thereof unto my son, JOHN K. BIXLER III, absolutely.
b. Twenty-Five (25%) percent thereof unto my sister, E. JEAN BIXLER, absolutely.
c. Fifty (50%) percent thereof, unto my Trustee, in trust, for the following purposes:
(I) I direct that my Trustee shall hold, invest and reinvest the same, collect the
income arising therefrom, and after paying all expenses incident to the management
of the trust (including the fees of the Trustee in accordance with its prevailing
schedule of fiduciary fees), to use and apply as much of the income and principal as
may be necessary in the sole discretion of my Trustee for the college education of my
grandchildren, CHRISTINE M. BIXLER, CATHERINE D. BIXLER, and JOHN T.
BIXLER.
(2) Upon the attainment of an undergraduate degree by each of my aforesaid
grandchildren (or the good faith determination by my Trustee that any of said
grandchildren who have not yet attained such degree are incapable of attaining same
by reason of mental or physical incapacity) or upon the youngest of said
grandchildren having reached the age of twenty-five (25) years, whichever shall first
occur, the remaining principal and any accumulated income in the trust shall be
distributed to the mother of said grandchildren, BARBARA BIXLER, absolutely,
with substitution of issue per stirpes.
(3) To the extent that the same is permitted by law, none of the beneficiaries
hereunder shall have any power to dispose of or to charge by way of anticipation any
interest given to such beneficiary; and all sums payable to or on behalf of such
Page 2 of 5 Pages
.) (<, [')
J.K.B.
beneticiaries hereundi::r shall be free and clear of the debts. contracts. alienations and
anticipations of the beneficiaries, and all liabilities for kvies and attachments and
proceedings of whatsoever kind, at law or in equity.
d. Should either or both of the said JOHN K. BIXLER III or E. JEA:\; BIXLER fail to
survive me, then their respective shares in the residue of my estate shall be added to the foregoing
trust.
6.
I nominate, constitute and appoint my son, JOHN K. BIXLER III, and my sister, E. JEAN
BIXLER, or the survivor of them, as Executors of my estate. In the event both of them shall be
unable or unwilling to serve in such capacity, then r appoint ORRSTO\VN BANK to act in such
capacity.
7.
I nominate, constitute and appoint ORRSTO\VN BANK as Trustee under the terms of this
Last Will and Testament.
8.
I direct that neither my personal representatives nor my Trustee shall be required to file a
bond to secure the faithful performance of their duties in any jurisdiction.
9.
I authorize and empo\ver my personal representatives and Trustee, in their sole and absolute
discretion, to purchase or otherwise acquire and retain any investments of which r die seized or any
real or personal property of any nature; to sell, lease, pledge, mortgage, transfer, exchange, dispose of
or grant options in regard to any or all property of any kind forming a part of my estate for such
terms and such prices as they may deem advisable; to borrow money for any purposes connected
with the protection and preservation of my estate; to mortgage or pledge any real or personal property
forming a part of my estate or to join in or secure the partition of same; to compromise any claims or
demands of my estate against others or of others against my estate; to make distribution in kind and
to cause any share to be composed of cash, property or undivided fractional shares in property
different in kind from any other share; to employ agents, attorneys and proxies and to delegate to
Page 3 of 5 Pages
J .\'l~
J.K.B.
them such power as my personal representatives and Trustee consider desirable and to pay
reasonable compensation for such services as may be rendered by such agents. attorneys and proxies:
and to execute and deliver such instruments as may be necessary to carry out any of these powers. In
addition, I direct that my personal representatives shall have the power to conduct an inventory of
any safe deposit box necessary to the administration of my estate.
2001.
IN WITNESS WHEREOF I have hereunto set my hand and seal this loth day of October,
j;rk~1 if; 11JJ.~'~,-" Jf'(SEAL)
I I .
John K. Bixler, Jr.
SIGNED, SEALED, PUBLISHED AND DECLARED by the above-named Testator, as and
for his Last Will and Testament, in the presence of us, who at his request, have hereunto subscribed
our names as witnesses thereto, in the presence of the said Testator and of each other.
~~
-
"-;7/,/7 '/----/ /7,,{' \ /
- ;I /clic../c/___,' . C.-~/l.cYLc-'.d/e/U
~
Page 4 of 5 Pages
COMMONWEAL TH OF PE~"N5YL VA='iL--\ )
5S.
COUNTY OF CU~fBERLA;\iD )
I, JOHN K. BIXLER, JR., Testator, whose name is signed to the attached or foregoing
instrument, having been duly qualified according to law, do hereby acknowledge that I signed and
executed the instrument as my Last Will; that I signed it willingly; and that I signed it as my free and
voluntary act for the purposes therein expressed.
1// f-iL ~ k.
JohrtK. Bixler, Jr.
"
rJ.A.LLu- ..J./ '
Sworn or affirmed to and acknowledged before me by JOHN K. BIXLER, JR., the Testator,
this 10th day of October, 2001. "_
cJ;7/~ . / ) l? "'): "'
/71/./(./ ell Cx,1((lt{~'{IN
Notary Public
COMMONWEALTH OFPEN"NSYL VANIA
COUNTY OF CUMBERLAND
NOUIrlal Seal
) Lori A. Sullivan, Notary Public
.<; Carlisle Boro, Cumbenand County
: ..: s.,y Commtaaion Expires Feb. 16, 2004
) Member, PennsylVanIa Assooalion at Notanes
We, S7e:ylfc=7l, I !-. t'3ci:t::~~.11 and /t.Jr:}le I /c:A 'T (-'I/"eo/() IS. 7C-::~
the witnesses whose names are signed to the attached or foregoing instrument, being duly qualified
'according to law, do depose and say that we "vere present and saw JOHN K. BIXLER, JR., the
Testator, sign and execute the instrument as his Last Will; that the Testator signed willingly and that
the Testator executed it as his free and voluntary act for the purposes therein expressed; that each of
us, in the hearing and sight of the Testator, signed the Will as witnesses; and that to the best of our
knowledge the Testator was at that time 18 or more years of age, of sound mind and under no
constraint or undue influence.
;..- _:// ~
Address
~?J[X) 10.''''; S C';c: 07 .J2Gc..J
. I -~
C~I.51e.' i?;-1 /7013
, ,~ I 7 L - ,,/''''-' /./ i' _ /
'---....-----/ ;/ - {.L[Lt"~r',--_' / r- L-/c..c/} Z-~>.._-;,';.L-2'-,----_
Address .;::;/].:3- /!./ CC::'L-LEZ/;:'::' .--ST
(-~/9'.2/ I---.{{/:: .?.p- /70/ --s
Sworn or affirmed to and subscribed before me this,) oth da~ of October, 2001.
I V / i 1/
lArd/V U/~ c;:1Z{i!3(ti;LJ
,- \.
Notary Publ~~__
C:ISLB\Estate PlanninglI0277.1 will. doc
NoIQrlal Seal
___ Lurl A. Sullivan, Notary Public
Lac "de 60f0. Cumberland County
My l". ,"""issiUI1 E.rp#res Feb. 16, 2004
Page 5 of 5 Pag~ l.'erYen("'sVM!ni" "S~OCIllIIMOI"'c"a:jes
S. W. Barren Real Estate & Appraisal Services
APPRAISAL OF
LOCATED AT:
Kings Gap Road
Carlisle, PA 17013
FOR:
Irwin & McKnight
60 West Pomfret Street
Carlisle, PA 17013
BORROWER:
John K. BIXLER, Estate
AS OF:
March 6, 2007
BY:
Stan A. Skowronek
Certified Residential Appraiser
---_..~--------_.- ---------...---.------------------- ----------------._-_...._-_._--_._-_.._~--
Fi. No 07-<)069
o_-___________._u__ ___.__~.____ .._"____..._____
S. W. Barrett Real Estate & Appraisal SeNices
"ile No. 07-0069
03/22/2007
Irwin & McKnight
80 West Pomfret Street
Carlls'e, PA 17013
File Number: 07-0069
In accordance with your request, I have appraised the real property at:
Kings Gap Road
Carlisle, PA 17013
The purpose of this appraisal is to develop an opinion of the market value of the subject property, as vacant.
The property rights appraised are the fee simple interest in the site.
In my opinion, the market value of the property as of March 6, 2007
is:
$72,000
Seventy-Two Thousand Dollars
The allached report contains the description, analysis and supportive data for the conclusions.
final opinion of value, descriptive photographs, limiting conditions and appropriate certifications.
Respectfully submitted,
~\ Q.~~\C~'(
Stan A. Skowronek
Certified Residential Appraiser
s. ,I. Bar",rt Real Estate &. Appraisal ServIces
LAND APPRAISAL REPORT
Fle No 07 -<J069
f'raperIy~... Kj~ ~~Road Census Trad 0127.98 __
I Clv Carlisle Cou!'lLf.umber!~_ 31al. ~A lip coo. 1701.3___
Legal Desa1plion Deed Book 164, page 72. Tax ID III 08-12-<J334-063
O-'JCQlpanl J()'!!1_.K,l!i.xl~r-,-,Jr: Ma Rei_nee 12-<J3J4
. s. Pnce S N1A Date of Sale N/A Property Rights Appraised
L~_m"'!LeslconceSS1On~la be paid by sell... $N/A _... .__.. . ~ Fee Simple
RE. Ta....sS 598.00 Tax Year 06/07 HOA.~~~~ LJ L...shoid
L_ertCliont IMin &McKnillht - --.- 0 CondaminlUm(HUDNA)
60 West Pomfret Street Carlisle PA 17013 n PUD Sour""
LOCATION U Ur!l.ln L.J Subwban l!J Rural NEIGHBORHOOD ANAlYSIS .......a "'"
BUILT UP 0 Over 75% 0 25.75% 00 Under 25% Employment Stabl~y 0 IXJ 0 0
GROWTH RATE U Rapid @ Stable 0 Slaw Convemence to E"",oyment CJ @ 0 0
PROPERTY VAlUES LJ IncreaSing l!0 Stable U Dedlnmg Convonlineelo Shopping U : X' , , , ,
DEMANDISUPPL Y [J Shortage 00 In Balanoe 0 eve< Supply Convonience 10 Schools 0 [!] 0 0
MARKETING TIME I 'Und.r 3 Mo.. !xl 3-6 Mos n ever 6 Mo.. Ad.qu.cy 01 Public Tran.parI.llOn 0 0 0 fXJ
. PRESENT LAND USE 'Yo i LAND USE CHANGE : PREDOMINANT i 5KiLEFAMLYHCOStlG R.....r..t'm FaciO;'" 0 :X: 0 0
Single Famiy 100/, Not Likely 00 I OCCUPANCY I PRICE AGE Adequacy of Faalies 0 00 0 0
. 2.... Famlyn.o'\i'i Uk'"Y p Owner ~ I $(000) (yr') Property Compalibjj~y 0 ~] 0 0
MuU~F.1m.y ~ In pttX~~ U : T t:lnanl U I 120 Lul\' ~ Prufwdiuo rmm D!jfri~f1t.:J Cvnd U L!..: [i r i
Commercial ~ To: I Vacant (0-5'..) 001200 High ~ Police & Fire Protection 0 rKl [] 0
'",*,sl"al . oo/J Vacant (aver 5%) n ~aminant General Appearance 01 Properties 0 rKl 0 0
Vacant 9uGo/vi ) 140. 25 A~a1toM~r1\at 1'-', :x"! r-1 f~i
Not.: Race 01 the racial composllion aflhe neighborhood are not considered reliable appraisal fadors. COMMENTS-The subject is located to either side
of Kinas GaD Road. It is a trianaular lot with the Commonwealth of Pennsylvania owning the land on two of the three sides of
the trianoular lot. It is within reasonable driving distance to ammenities such as schools. shopping and employment.
lENDER DISCRE T1CNARY USE
Sale f>-ice ~
Date
!.lortqage AfTI)ljnl $
!.lortgaqe Type
Discounl POints and Other Concessions
Paid by S<lll...
DimemJOrl'S ~~!@l des<:;ri.E!i'2."-________j Tapograpny R~!in~
S~. Area 17.98 Acres mil Comer Lol No j Size ~~er than normal
ZoningOassificalian A ZonjngCa""'jance~icultural , Shape Irregula~_____
HIGHEST & BEST USE. Pr~'.tJt u,. Present OU",r u.. Residential c."n.g. ~~ars Adequate
UTILITIES P~ic Other I SITE IMPROVEMENTS Type PublIC
8edricliy lKJ Slreel Macadam !Xl Pet I ~::=Ping ~~s
GM CJ {wrbiGu"<< None 0 !~ : DrN'IlW.... N/A
WiAer 0 None =1 Sid.walk None .0 D I Apparent Easemenls ~on.e A1>parenL__._
San~ary Sew<< 0 None Sfr.et Lights Ncme 0 0 FEMA Rood Hazard Y.s' No X
StormS.....r fI , AlI.v None n rl ,FEMA'l.4aolZane 421580000.2 B/Zone X
Comments (Apparant adversa ....menls, .ncraachments, special a..a..m.nts, .Iid. areas, .tc.): Private water and sanitary systems are common to
the area and have no adverse affect uoon marketabili!Y:....I.here_ are no apparent adverse easements, encroachments or other
adverse conditions. No current oerculatlon oermlt r""uired for on site seotic 6vstem.
Tile undenl9:ted h.1S 'er.:leo lh''!e flcent O;,]le~ l)f properties most similiar and proxllT13le 10 sullJect 3n;1 has c(lnsi(ll!tlld tnese In the mUke' analYSIS The de:rcrlplron includolls,] dollar
adJust",.nt tlilllillcllnq rn.rklll reaction 10 lhose demll of sl9niflCoinl v,ui.llon b.HlIiIlen the SUbJilCI inG camp.fabl. PlOP/HilliS II.. sigmric.Ull 111m In Ihe compartlble ptllp,Ul~ l.I IUPolIfW(
to, ar more t;lvorallle lhan, the ~l.Ibjecl properly. a minus (.) aalllstmenlls made. thus reducing the indl;:alea 'ill:...! or subject, if a Significant Hem In the i::ompar.1tlle IS interior 10
ttr '''''' "'''"'''UlIlI! '""" (/'I.. .tlll!"'''' r'"~~r!!, .II :"11.1'1 (f" _"!lIlHm.'H I' m..",i!' 'n.llI .nl':r......"!l 'n" t,uUr.Il'",l'J 'o"'II\lfl'", 'PI' "ltlll'f'rr
ITEM 1 SUBJECT r COMPARABLE NO. IT COMPARABLE NO. 2
~_____l:;~~Gap Rd J~~~3~t~1~I!iP~n_s!!~r.q_J~~~~~3~~~~le
ProllirrllvtoSublect i i 6.3 MI W i 1.7 MI NNW
Sales Price Is N1A ! S 110,000 I ~
PriceI Acre ! S :zJ $ 5451!Zl S 3500 !.'I
Data Source Ilnsoection i MLSlCourthouse I Courthouse
VAlUEAOJUSTMENTS T DESCRlP'TlON r DESCRIPTION ---! 1.4"""""'" DESCRlPnO~ 1-)>AdI""""
. ~:,":l1CIng T_ '/ Unknown , Unknown
O..oISaleIT""" iN/A 101/09/2007 11/22/2006:
. location I R.'!!.l!! I ~ural ~_ Subur!l~l!.."----':'
S~etView___. -T 17.98 Ac/Avg'r 20.18. Ac/Avg :._ 20 A.,c/Avg :
Terrain ------j~inslWds i Mountains/Wds : MountainslWds :
--+----t--- :
==~=:~-- . -I~ ~i: ,,,:,~H'::I: · j~-~l:i: .::
Comments of Salo. ColTflarison: The comoarables used are of similar aeooraohv and terrain to that of the subiect. Lack of suitable
~!!~_'L.~!I!!'!!Id sa~~s within the subject's immediate vicini!Y.r~quired an expanded search area. These are the best sales
comnarables known to be available.
Comments and Conditio", of AppraISal The property has been appraised in current condition. This is for the clients use only.
I COMPARABLE NO.3
! 39-15-0181-002
~~.!url1 RdL!!h..i~~nsb!!!9
i 13.0 MI WSW
70,000 I $ 68,4Q!l
$ 4659:zJ
Courthouse
DESCRIPno~=1.....'t4 ~usI"."
Unknown :
, 12/01/2005 1+3% I :
Rural
14.68 AclAvg
MountainslWds
140
Final Reconcilidlj"n The.Sales c;omparis.oll appr~ach is. the.b~st indicator ofvallle:_ Adju.sted price,pl!r.acre range J~ .$3,500 to
. $5,451 per acre ~!!I1._rJ}Ol!t.-"",~i9.~!Jl.~~en to comE~!able. #2 d.l!~tl!..E.IQ~e!..proximi!i'~ y _ $4,OOO/~!e. $4,000/acre x 17.98 aq.E!l!....
- $71920 - SAY. $72000.
'(WE)ESTIMATETHEMARKETVAlUE,ASDEFlNED,OFTHESUBJECTPROPER1YASOF March 6. 2007 toboS 72.000
. I (We) certIfy that to the beol of my (ouli knawledg. and bel,ef. Iha facts and dot. used hero," aratrue and corro<l' Ih." I (we) p..,onolly mop.cled the sUbJ.ct property
and .nspacted all comparabl. saleo cll.d In IhlO r.part, and thai I (w.) have no undlsdas~onl or fJf>>Spacr;f':eln
ApplalS8l(.) ~~ Q.~W r,L__ Roviow Appraiser - --- 0 /' ---If-
Stan A. Skowronek (ilappJicablej Steven W. Barrett SRA. SRPA ASA
lX] Old r] ()Kj Not
Inspod Property
....,....;rfl..'WIllTmU&iNl Certified Residential Appraiser ~c..J"'''''..a!;'''!.'Al-'SoCI''-'n ~W!.HWI_..),:J_.""'m Certified GeneraJ Apprajser
S.W. Barrett Real Estate & Appraisal Services
Borrower: JOhOK,. ~1~IJ:F!~sldle
Property Address Ki-"~.QoJB-Rg"d
City: Carlisle
Lender' Irwin & McKni hI
~......,.....-....: ,- ,'.-'~(- :,;;- ,,~ ..,\.,: 1 "v' ~LJI.j=Nu\.JM
-------..-- --------..
.~tare
eiis ,'.Ie
Cd~a No
~-- - .--- ._-~
0,.0069
PA
7ip 17013
--.---.----
- ~_..~_...~- '~--_._.__._----------
FRONT VIEW OF
SUBJECT PROPERTY
Appraised Date: March 6, 2007
Appraised Value: $
REAR VIEW OF
SUBJECT PROPERTY
STREET SCENE
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Prope~dQr~:~n!l~G_aE'- R2!1d___
City: Carlisle
Lender: Irwin & McKni hI
LOCATiON MAP
------_______;:'1" ;\)0 _Oi-Q069 _____
--- -----------_______c::~e No,,__________
State: PA
Zip 17013
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Pr~'-6'd by: St0/'.:n \-V Barr..?tt~: E .....~'pf -3v..: (717) :?~3~6e~e
-~_.._----~._------------"-_.-._----'"._-~- -----._---"-----~-- -----'~-----_._--------,-----,-_.,~"'._-_._.
=,Ie No J 7 ~069
...*....*** QUALIFICATIONS .................
;
The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the
Inspection of the subject property, the com parables sates, and their neighborhoods and locations. Unless otherwise
noted, the conditions (hOlt .lpply to the subject property or the comparable sOlles used 00 NOT AFFECT THE MARKET
VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home
Inspection service. This is an appraisal to estimate market value.
_x_1. The subject is located in a rural area and is less than 25% built-up.
__2. Commercial/Industrial uses are located within the subject's neighborhood. These uses are typical of similar i
neighborhoods.
_x_3. Vacant and undeveloped land uses are 10cOIted within the subject's neighborhood. These uses are typical for
the area.
__4. The predominant value in the neighborhood is less than that of the market value of the subject property. This is
due to the very wide range of value of properties in the area and superior quality of the subject property.
_5. The subject property is 10c3ted in a F.E.M.A. Identified Flood Zone. Flood insurance coverage is required and
suggested.
_6. Dampness is noted in the basement of the subject. Standing or running water was not present on basement
floor. This condition is considered typical in dwellings of this style.
_7. The subject property is serviced by private well and/ol septic systems which is common for the area.
__8. The subject is older than five(5) years. All mechanical systems including the heating, electrical and plumbing
systems appear upon a Visual exterior inspection to be in working order. No warranties are implied in this statilment.
_9. Repair items were noted in the comments section of the report. These comments on repair items are for
dC$Criptive purposes only OInd are not required repairs. The items listed are cosmetic in nature.
_10. The basement floor is a dirt floor. This condition is common and typical for the area. and does not pose a
health or safety hazard.
_11. The subject property does contain functional obsolescence as noted in the report. This condition is
considered typical and common for the area and this style dwelling.
_12. The land value exceeds 30% of total value due to the high demand for vacant land in this neighborhood. This
condition is considered common and typical for the neighborhood.
_13. The land value exceeds 30% of total value. This is due to the large size of the site. This condition is
considered to be typical and common.
_14. Individual adjustments were required that exceed 15%. These adjustments were required due to lack of more
similar com parables on that individual rating. All comparables used are the best available. ,
- _15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the
subject's market area. All comparables used are the best available.
_x_16. One or more comparable sales are older than six(6) months. Although there are comparable properties in the
subject's area, none have sold recently; therefore, sales in excess of six(6) months have to be used. All com parables
used are the best available.
_x _17. One or more comparables used were in excess of one (1) mile from the subject property. Although there are
comparable properties in the immediate area, none have sold recently. Therefore, it was necessary to use comparable
sales outside of the immediate area. All comparables used are located in similar neighborhoods and within the same
marketing area. All comparables used are the best available.
_18. The electrical system was not connected during inspection.
_19. The water service was not connected during inspection.
_20. The heating system was shut down during inspection.
_21. ROOfing_Plumbing_Electrical_Heating_certification(s} is/are suggested.
_22. Inground swimming pool_, out buildings_are included_,not included_according to lender's
guidelines.
_23. According to lender's guidelines a maximum Of_acres were considered for this valuation. Remaining
acreage was given no value.
c.
--
-
. - ---
"Ie 'Jo 07 -<)069
*******- QUALIFICATIONS *****_....
_24. The subject property is located on a private road.
_25. Wood infestation inspection is suggested.
_x_2B. lut recorded deed transfer: Oate_09/08/1997_. Consideration: $_21,435_.
_27. Proposed construction/renovation in accordance to plans and specifications to be completed in a workman-like
manner.
_28. Seller is paying part or all of closing costs.
_x_29. All comparable sales are verified closed sales.
__30. There are no special conditions or other requirements that would affect market value or future marketability in
the Appraisal Report.
CHECKED ITEMS ARE SPECIFIC SPECIAL CONDITIONS THAT WERE IDENTIFIED BY THIS APPRAISER DURING
INSPECTION.
"ile ,~o 07-0069
U"A..U QUALIFICATIONS U""AU
Confidentiality and Security Policy
We conelder privacy to be fundamental to our relationship with clients. We are committed to maintaining the
confidentiality, integrity and security of clients' personal information. Internal pOlicies have been developed to protect
this confidentiality, while allowing client needs to be served.
We restrict access to personal information to authorized individuals who need to know this information to comply with
federal standards to protect your nonpublic personal Information. We do not disclose this information about you or
any former consumers or customers to anyone, except as permitted by law. The law permits us to share this
Information with our affiliates. The law also permits us to share this information with companies that perform
marketing.
When - share non public information referred to above, the information is made available for limited purposes and
under controlled circumstances. We require third parties to comply with our standards for security and confientlality.
We do not permit use of consumer/customer information for any other purpose nor do we permit third parties to rent,
sell, trade or otherwise release or disclose information to any other party.
Education
As of the date of this report, I and/or Steven W. Barrett, SRPA, SRA, have completed the requirements under the
continuing education program of the Appraisal Institute.
Fl. No. 07-0069
DEFINITION OF MARKET VALUE: The most probable price which a property should bring In a compelitive 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
-Jltected 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 (") buyer and seller are tYPically motivated; (2) both parties are well Informed or well adVised,
and each acting In what he conSiders his own best Interest: <.3) a reasonable time IS allowed for exposure In the open market (4) pavment
is made in terms of cash In U 5. dollars or in terms of financial arrangements comparable rheralo; and (5) the price represents the normal
consideration for the property sold unaffected by speCial or creative finanCing or sales concessions. 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 tarms offarad by a third party institutional 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 LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is subject to the
following conditions:
1. The appraiser will not be responsible for matlers of a legal nature that affect either the propel ty being appraised or the title to it. The
appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title The property is appraised
on the basis of It being under responSible ownership
2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the Improvements and the sketch is
included only to assist the reader of the report In VisualIZing the property and understanding the appraiser's determination of its size
3. The appraiser has examined the available flood maps tllat are prOVided by the Federal Emergency Management Agency (or other data
sources) and has noted in the appraisal report whether 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.
5. The appraiser has estimated the value of the land In the cost approach at its highest and best use and the improvements at their
contributory value. These separate valuations of the land and Improvements must not be used in conjunction With any other appraisal and
are invalid if they are so used
6. The appraiser has noted in the appraisal report any adverse condilions (such as, needed repairS, depreciation, the presence of hazardous
wastes, toxic substances, etc. ) observed during the inspection of Ihe subject property or that he or she became aware of during the normal
research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden
or unapparent conditIOns of the property or adverse environmental Conditions (includmg the presence of hazardous wastes, tOXIC
substances, etc. ) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no
guarantees or warranties, express or impiled. regarding the condition of the property. The appraiser will not be responsible for any such
conditions that do eXist or for any engineering or testmg that might be reqUIred to discover whether such conditions eXIst. Because Ine
appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment
of the property
7. The appraiser obtamed the mtormatlon, estimates, and opimono that were expressed In the appraisal report from sources that he or she
considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such
items that were furnished by other parties.
8. The appraiser Will not disclose the contents of the appraisal report except as prOVided for m the Uniform Standards of ProfeSSional
Appraisal Practice.
9. The appraiser has based hiS or her appraisal report and valuation conclUSion for an appraisal that IS subject to satisfactory completion,
repairs, or a~erations on the assumption that completion of the improvements Will be performed In a workmanlike manner
10. The appraiser must prOVide hiS or her prior written consent before the lenderJcllent specified In the appraisal report can distribute the
appraisal report (including conclusions about the property value, the appraiser's identity and professional designations, and references to
any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the
mortgagee or its successors and assigns; the mortgage insurer, consultants; professional appraisal organizations, any stale or federally
approved financial institution; or any department, agency, or instrumentality of the United States or any state or the District of Columbia,
except that the lendar/client may distribute the property deSCription section of the report only to data collection or reporting service(s)
WIthout havrng to obtain the appralser's prior written consent. The appra'ser's written consent ana approval must also be obtained before
the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media.
---.---------------------------------.--
Page 1 of 2
Vacant Land
APPRAISERS CERTIFICATION: The Appraiser certifies and agrees that:
File No. D7 -0069
1. I have researched the subject market area and have selected a minimum of three recent sales of properties most similar and proximate
to the subject property for conSideration in the sales comparison analysis and have made a dollar adjustment when appropriate to reflect the
market reaction to those items of significant vanation. If a Significant item in a comparable property is superior to . or more favorable than.
the subject property, I have made a negative adjustment to reduce the adjusted sales price of the comparable and, if a signiticant item in a
comparable property Is inferior to, or less favorable than the subject property, I have made a positive adjustment to increase the adjusted
sales price of the comparable.
2. I have taken into consideration the factors that have an impact on value in my development of the estimate at market value in the
appraisal report. I have not knowingly withheld any significant intormation from the appraisal report and I believe, to the best of my
knowledge, that all statements and information in the appraisal report are true and correct.
3. I stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject
only to the contingent and limiting Conditions speCified in thiS torm.
4. I have no present or prospective interest in the property that is the subject to 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 the
estimate of market value in the appraisal report on the race, color, religion, sex, 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.
5, I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my
compensation for performing this appraisal is contingent on the appraised value of the property.
6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party,
the amounl of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my
compensation and/or employment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation, a
specific valuation, or the need to approve a specific mortgage loan.
7. I performed this appraisal in conformity with the Uniform Standards of Professionai Appraisal Practice that were adopted and
promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the eHective date of this appraisal,
with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable
time for exposure in the open market is a condition in the definition of market value and the estimate I developed is consistent with the
. marketing time noted in the neighborhood section of this report, unless I have otherwise stated in the reconciliation section.
8. I have personally inspected the subject property and the exterior of all properties listed as comparables
in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject improvements, on the
subject sile, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustments for these
adverse conditions in my analysis of the property value to the extent that I had market evidence to supporl them. I have also commented
about the effect of the adverse conditions on the marketability of the subject property.
9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on
signilicant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal
report, I have named such individual(s) and disclosed the specific tasks performed by them in the reconciliation section of this appraisal
report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in
the report; therefore, if an unauthorized change is made to the appraisal report, I will take no responsibility for it.
SUPERVISORY APPRAISER'S CERTIFICATION: If a superVisory appraiser signed the appraisal report, he or she certifies
and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the
statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking
ful responsibility for the appraisal and the appraisal report.
ADDRESS OF PROPERTY APPRAISED: Kings Gap Road, Carlisle, PA, 17D13
APPRAISER:
SUPERVISORY APPRAISER (only if required)
Signature: ~~ Y-7f-
Name: Steven W. Barrett, SRA, SRPA, ASA
Date Signed: 0312212007
State Certification #: GA-000298-L
or State License #: RB026921 A
State: PA
Expiration Date of Certification or License: June 30, 2007
Signature: ~G,~ "<vX:..
Name: Stan A. Skowronek
Date Signed: 03122/2007
Stale Certification #: RL-001572-L
or State License #:
Stale: PA
Expiration Dale of Certification or License: June 30, 2007
Certified Reaidential Appraiser
00 Did 0 Did Not Inspect Property
Certified General Appraiser
Vacant Land
Page 2 of 2
S. 'N. Sarrett Real Es~te & Appraisal Serv!ces
Fie No. 07 ~070
APPRAISAL OF
LOCATED AT:
545 Park Drive
Boiling Springs, PA 17007-9503
FOR:
Irwin & McKnight
60 West Pam fret Street
Carlisle, PA 17013
BORROWER:
John K. Jr. BIXLER, Estate
AS OF:
April 1 0, 2007
BY:
Stan A. Skowronek
Certified Residential Appraiser
S. W. Barrett Real Estate & Appraisal Services
File No. 07-0070
04/1112007
Irwin & McKnight
60 W88t Pomfret Street
Carlisle, PA 17013
File Number: 07-0070
In accordance with your request, I have appraised the real property at:
545 Park Drive
Boiling Springs, PA 17007-9503
The purpose of this appraisal is to develop an opinion of the market value of the subject property, as improved.
The property rights appraised are the fee simple interest in the site and improvements.
In my opinion, the market value of the property as of April 10, 2007
is:
$152,000
One Hundred Fifty-Two Thousand Dollars
The attached report contains the description, analysis and supportive data for the conclusions,
final opinion of value, descriptive photographs, limiting conditions and appropriate certifications.
Respectfully subm itted,
s~Ct ~uJrNR~
Stan A. Skowronek
Certified Residential Appraiser
jUMMA~Y ApPRAiSAL REPORT
Pro"e"V Oe.crlotlon UNIFORM ~ESIDENTIAL APPRAISAL REPORT FileNo. 07-0070
ProDA"tvAaaress 545 Park Drive CiN Boil/no SDrinae State PA JoGode 17007-9503
Leaal Desalotlon Deed Book H-20 DlIae 529 Countv Cumberlllnd
Assessor's Parcel No 40-11-0286-052 Tax Year 06/07 R.E Taxes S 1,516.00 Soeclal Assessments $ N/A
Bo'TO_ John K. Jr. BIXLER Esute C"ITent Owner Bixler. John K. Jr. & Wife Occupant: f I Owner I I Tenant {Xl'lacanl
hts aOoratsea iX, Fee Simple i Leasenold T Proiect T'/pe ' PUD i i Condominium rr<UDNA cnlv) HOAS N/A /Mo.
NelQhborhood or Proect Name South Middleton Townehill MaD Relerence 11-0286 Census Tract 0125.00
Sale Price S N/A Date of Sale N/A Desalotion and $ amount of loan charoes/eoncesslons to be oard bv seUer N/A
lender/Client Irwin & McKnillht Address 60 Weet Pomfret Street Carlisle PA 17013
AODralser Sun A. Skowronek Address 126 North HlInover Street Carlisle PA 17013
Location 8 iJrban ~ Suburban W Rural Predominant Single family houaing Present land u.. % land u.. chilnge
Buill up Over 75% 00 25-75% 0 Under 25'4 occupancy m~)qE ~,~~ One family ~ 0 Not likely 0 likely
Growth rate Rapid 00 Stable 0 Slow [!J Owner 95 :---.!1!l. low ~ 2-4 family ~ [!J In process
Pncperty values 0 Inaeaslng 00 Stable 0 Declining 0 Tenant 250 Hlnh 100 Mulli.far11lly ~ To: Residential
Demand/supply 0 ShOf1age 00 nbaln:e Ro..-SlJOIlo/ [!J Vacant(0-5%) Predominant Commerc:al 0%
Marketino time n Under 3 mos. !i1 3-0 mos. Over 6 mos n v,,,,, roo. 5\) 160 I 35 Vac ) 30%
Not.: Rae. and the racial compo.illon ofthe neighborhood are not appral.aJ tactor..
Neighborhood boundaries and characteristics: The subiect is bounded on the north bll Hone Dr on the east bv Old Stonehouse Rd on
: the south bv Park Dr and on the west bv Lerew Rd.
o Factors that aHect the marketability of the properties In the neighborhood (proximity to employment and amenities, employment stability, appeal to market, etc.):
. There are no adverse factors to affect markeubilitv of subiect. Diverse suble emDlovment and all sUDDortino amenities are
.. within easy drivinQ distance. SMSA 3240
Market conditions in Ihe subject neighborhood (including support for the above conclusions related to the trend of property values, demand/supply, and marketing time
- - such as data on competrtive properties lor sale In the neighborhood. description of the prevalence of sales and financing concessions. etc.):
ProlHlrtv BlIles records and MLS statistics show a steady. moderllte increase in DroDerlY values over the Dast vear. Average
marketina time of 60-90 days shows a aood balance of SUDoly and demand. Few sales and financina concessions are needed
in the neighborhood.
. Project Information for PUO. (If applicable).. Is Ihe developer/builder in control of the Home Owners' Association (HOA)? U YES U NO
Approximate total number of units in the subject project N/A Approximate total number of units for sale in the subject project N/A
Desaibe common elements and recreational faCilities: N/A
Dimensions See legal descriDtion Topography Rollina
Site area .88 Acre m/I Corner lot 0 Yes 00 No Size TVDicaf for area
Specific zoning classification and description Aoriculturlll and Conservation Shape Souare
Zoning compliance 00 legal 0 legal nonconltm1i1g (Grandfathered use) 0 Illegal U No zomng Drainage ADDears AdeQuate
Hlahest & best use as imoroved: rXT oresent use' h Other use (exolainl View Ooen countrv
Ulllltle. Public Other Off-.lte Improvement. Type Public Private landscaping Average
Electricity 00 100 amD Street Macadam 00 8 Driveway Surface Stone
Gas 0 ProDane Curb/gu~er None 8 0 Apparent easements None ACllarent
Water 00 Sidewalk None FEMA SpeCial Flood Hazard ATea U Yes N No
Sanilatysewer 0 On Site Streetlights None q q FEMAlone X Map Date 01/05/1996
Storm sewer n AIIev None I I I I FEMA Mao No. 420371 0020C
Comments (apparent adverse easements, encroachments. special assessments, slide areas. illegal or legal nonconforming zoning. use, etc.): There are no
aDDarent adverse easements encroachments or other adverse conditions. Private sanitary systems are common to the area
and have no adverse affect uoon marketabilitv.
GENERAL DESCRIPTION EXTERIOR OE5CRIPTlON
No. of Units 1 Foundation Cone Blk
No. of Stories 1 Exterior Walls Wood
Typo (Del./An.) Detached Roof Surface ComeoShllle
Design (Style) 1 StOry Gutters & Dwnspls. Aluminum
ExistingJProposed Existina Window Type Wood Frame
Age(Yrs.} 46 Storm/Screens Thermal
Effective Aoe rYrs.l 20-25 Manufactured House No
o ROOMS Faver Livinq Dininq Kilchen
Basement
level 1
. level 2
FOUNDATION
Slab None
Q-ay,/ Spaal None
8asement Full
Sump Pump No
Dampness None Obs
Selllement None Obs
Infestation None Obs
Familv Rm. Rec. Rm.
1
8ASEMENT
ATea SQFt 1334
'4 Finished 60
Ceiling Droll/Unfin
Walls Panel/CB
Floor Vin/Conc
Outside Entry Yes
Walk out
Bedrooms # Balhs
INSULA TION
Roof 0
Ceiling ~ (RJ
Walls ~ (RJ
Floor' (RJ
None 8
Unknown
Den
laundry
. R Factor Unk
Olher AT"a So Ft.
800
1 334
x
area
3
Finished area above arade contains. 6 Reoms: 3 Bedroom s\; 1 Bathls\; 1 334 Snuare Feet of Gross Livinn ATea
. INTERIOR Materials/Condition HEATING KITCHEN EQUIP ATTIC AMENITIES CAR STORAGE:
Floors HrdwdNinYI Type FHA Retrigeralor 0 None 0 Fireplace(s) #L- 00 None 0
. Walls Drywall/Panel Fuel Propane Range/Oven [!J Stairs 0 Patio 8 Garage # of cars
Trim/Finish Wood CordilionA vg DISposal 0 Drop Stair 0 aeck A~ached
Bath Floor Vinyl COOLING Dishwasher 0 Scuttle 00 Porch Covered 00 Detached
Bath Wainscot Drywall Cenlral No Fan/Hood 0 Floor 0 Fence 0 BUllt.ln
Doors Hollow Core Other None Miaowave R Healed R Pool R Carport 1
AVerlllle Condition CondilionNIA Washer/Dryer Finished Drivewav 2/Stene
Additional features (special energy efficient items. etc.): Front covered Dorch.
Condition of lh. improvements. deprecialion (physical, functional, and exlernal), repairs needed, Quality of construction remodeling/additions, etc.: 1m Drove
ments are in average condition with no phvsical or functional inadeouacies noted.
Adverse environmental conditions (such as, but not limited to, hazardous wastes, toxic substances, etc.) present in the improvements. on the site, or in the
immediate vicinity of the subject property' No adverse environmental conditions are apparent/disclosed.
Fr.scie MAc Form 1Q 6-91
PAGE 1 OF 2
Prod~ceduI<t>'JACI5Qft"'iI'.aoo 214 a:27I1O'WWac."'.bc:llm
f,mn.., M... rl;frr, :J\l.j 693
Valuation Section
SUMMAR.' APPRAjSAL REPORT
UNIFORM RESIDENTIAL APPRAISAL REPORT
FII. No. 07 -0070
ESTIMATED SITE/ALIJE 5 55,OOO! Cammer!s on Cosl Approach (such as, sourr;e 'Ji :osl ~stim;jte,
ESTIMATED REPRODUCTIC"~C:S T-NE'N OF MPROVEMENTS I site value, square foot calculation and for rlU". VA and 'C1HA, :he
Dwelling SqFt. @$_ = S 0 estimated remaining economic life 01 the property):
SqFI, @$_ = 0 Coat Approach deemed a poor indicator of value due to
. = age of the im provements. Estimated Remainina
, ~ L- Sq. Ft @S_ = 0 Economic Life - 35-40 years
Tolal Estimated Cost New = $ 0
Less Physlcol I Fun~tronal I External Est. Hemainlng teen. Life' 30
. OelJeaalion = $ 0
Depredated Value of Improvements = $ 0
.As~s. Value of Site Improvements = $
INDICATED VALUE BY COST APPROACH. , . = $ N/A
ITEM SUBJECT COMPARABLE ~JO 1 COMPARABLE NO, 2 COMPARABLE NO.3
545 Park Drive 1492 Soiling Springs Road 403 Glenn Avenue 16 Shirley Lane
Address Boilina Sprinas Boilina Springs Boiling Springs Boiling Springs
Proximity to Sublect 2.5 MI ENE 1.3 MI NNE 1.4 MI NNE
Sales Price $ N/A $ 147 900 '. S 152 900 S 148 000
PriceJG-oss Liv. Atea S 0.00 IZJ $ 129.28 IZJ S 124.11 ill $ 109.47 IZJ
Data and/or Inspection MLS MLS MLS
Verification Sources Courthouse Courthouse Courthouse Courthouse
VAlUE ADJUSTMENTS DESCRIPTION DESCRIPTION I t(-)SAdjlJsl",..,t DESCRIPTION I ... (.) S Ad~~m"l DESCRIPTION J "(.lSMu$fmeot
Sales or Financing N1A ". .>' $3,000 CI. Csts None,Conv None,Conv
Concessions '.'. ...... Conv
Date of SalelTime N1A 'J: '.' 05/15/2006 : 04/28/2006 : 04/15/2006 :
Location Suburban Suburban Suburban Suburban
l.aesetoid.fee SiTtlIe Fee Simple Fee Simple : Fee Simple : Fee Simple :
Site .88 Ac/Ava .47 Ac/Ava 2050 .38 Ac/Avg : .28 Ac/Avg :
VNlW Open country Residential Residential Open country
Design and Appeal 1 StOry 1 StOry : 1 StOry 1 StOry
0JaIIvr;j~ Average Average : Average : Average :
Age 46 Years 34 Years 21 Years 38 Years
Condition Average Average : Averaae : Average :
Above Grade Total ' Barns I 8~ths Tol.aJ I Berms I Baths : Talil I Berms' Baths : Total: Barns I Baths :
Room Count 2C 6: 3: 1.00 6: 3: 1.00 : 6: 3: 2.00 . -3,000 6: 4: 2.00 ' -3,000
c;,oss LillinQ Area 1 334 Sq,Ft 1,144 Sq.Ft : 3800 1,232 Sq,Ft : 2040 1 352 Sq.Fr. : 0
. Basement & FlIlisl1ed Full Bsmt Full Ssmt Full Bamt Full Bsmt
Rooms Below Grade FamiJy Room FamRm/Bdrm Unfinished 2000 Unfinished 2000
. Fundional UtilitY. Average Average : AveraQe Average
Heatina/Coolina FHA/None EBB/None : EBB/CA : -3000 EBB/None :
. Energy Elllcientltems Typical Typical : TYDical Typica'
Garage/Carport 1 C Carport 1 Car Intg G : -1 500 1 C Garage : .1,500 None 1000
Porch. Patio, Deck, Porch/ None 5,000 Porch/Patio , 1,500 Patio 4,000
Freplace(sl. etc, 1 Fireplace
Fence, Pool, elc None None None : None :
: : :
Net Adi. (total) IIX) t I J- '$ 9350 L J t lXJ- '$ 1960 IX) t IJ- '$ 4000
Adjusted Sales I'Iice .'.: Gross: 8.4% " Gross:. 8.5% ' Gross: 6.8%
of Comparable , Net' 6.3'" $ 1 57 250 Net:':'.1.3''''. r $ 150940 Net: 2.7% $ 152 000
Comments on Sales Comparison (including the subject property's compatibility to the neighborhood, etc. ): Opinion of value range is $151 000 to
$15T 000. Acreage adiustments made at $5 OOO/Acre. No site adjustment for comparable #'s 2 & 3 since they are on both
public water and sewer. Lack of suitable com parables within the subiects immediate vicinity required an expanded search
are.. These are considered to be the best sales com parables known to be available.
ITEM SUBJECT COMPARABLE NO.1 COMPARABLE NO, 2 COMPARABLE NO.3
Dale, Price and Data Unknown 12/14/1979 09/02/1986 02/01/1993
Sotml b-I>ior sales Unknown $48,000 $71,900 $1.00
with"y.... of aperaisal Courthouse Courthouse Courthouse Courthouse
Analysis 01 any current agreemenl 01 sale, opiron, or listing of the subject property and analysis of any prier sales of subJecl and cemperablos ..;thin OI1e year 01 the date of appraisal:
The decedent was the only owner of the subject property.
INDICATED VALUE BY SALES COMPARISON APPROACH. . , " S 152,000
INDICATED VALUE BY INCOME APPROACH (If Allplicable) Estimated Market Renl $ N/A IMo x Gross Rent MUlliplier N/A =$ N/A
This appraisal is made j!J "as is' 0 subJect to the repars, alleratlOns, inspectKlns or condllions ~stoo beklw 0 subject 10 complel"n per plans and Spea1icallOns.
ConditXlnsofAppraisaJ: The property has been appraised in current condition. This is for the clients use only.
Final ReconCIliation: The Market Data AnaJysis supports my estimated market value of the subiect. The Cost Approach was not
deemed an appropriate indicator of value due to the aQe of the subject and therefore was not included herein. The Income
. ADProach was also deemed inappropriate for this analysis.
The purpose of this appraisa/Is to eSlimate the market value of the real property Ihat is Ihe subject ot Ihis report, based on the above conditions and Ihe ce1lficalion, cenllngenl
and limiting conditions, and market value definition thai ate staled in the attached Freddie Mac Fcrm 4391Fannie Mae Fam 10048 (Revised 6/93 )
I IWE) ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT, AS OF 04/10/2007
. (WHICH IS THE DATE OF INSPECTION AND THE EFFECTIVE DATE OF THIS REPORT) TO BE S 152 f\1l.ll. .
, APPRAISER~G :s.~ ~c.. SUP~AP~Ei''''~IF~
Signature . \...C r,W Signa ~ ---... 00 Did ODid Not
Name Stan A. Skowronek Name Steven W. Barrett, SRPA, SRA Inspecl Property
Date Report Signed 04/11/2007 Date Report SIgned 04/11/2007
State Certification # RL-001572-L Stale PA State Certification # GA-000298-L Slate PA
Or Slale License # Slale Or Slate License # RB026921A Slale PA
"'_.....Fm..70 ..., \,;ertlllea KeSIOentlal PAGE 2 OF 2 \,;ertlllea ueneral Appraiser F'M' M.. '...,,,,,, '9J
Appraiser
Proouc.d Ill'''; "C11"'~''''''''.. lIUO 234 87:11 ~ ac,.....,b eom
S.W. Barrett Real Estate & Appraisal Services
FLOORPLAN
BOITower: John K. Jr. BIXLER, Eatate
PrOllerty Address: 545 Park Drive
City: Bolllna Springe
Lender: Irwin & McKni ht
State: PA
File No.: 07-0070
Case No.:
Den Bedroom
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Bath
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AREA CALCULATIONS SUMMARY
DeecnptJon Size Total.
i"ir.t Floor
Covered Porch
1334.00
104.00
1334.00
104.00
TOTAL LIVABLE
(rounded)
Zip: 17007-9503
LIVING AREA BREAKDOWN
_kdown Sublollll.
Fir.t Floor
29.0 z 46.0
1334
1 Area Total (rounded)
1334 .00
1334
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8orrower: John i(. .Jr.:illXlE~,--"s{alt!_ _______
, Property Addr.;os 54_~a~9.!!,:,!.______~_
City: !:Joiling Spri'lgs
Lender: Irwin & McKni ht
Sic:
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?A =-~~~-e::~~---;~:~o~---==--=-== I
FRONT VIEW OF
SUBJECT PROPERTY
Appraised Date:
Appraised Value: $
REAR VIEW OF
SUBJECT PROPERTY
STREET SCENE
Borrower: Jolln _i\. '" SjA,,-~~_::~~~_~_
Property Addr~'~:" ~~ f:'ll _" -9r~v~___
City!!oiling Springs
Lender" Irwin 8. McKnI hI
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-- --------- Slare PA -'~a~'"-'^JG--ZiP-17007-9503----1
,; ~,.'~fJ>~<>-" "~: ,:~ '.~',;:~i'i,c'i.'.
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COMPARABLE SALE #1
1492 Boiling Springs Road
Boiling Springs
Sale Date 05/15/2006
Sale Price $ 147.900
COMPARABLE SALE #2
403 Glenn Avenue
Boiling Springs
Sale Date: 04/28/2006
Sale Price: $ 152,900
COMPARABLE SALE #3
16 Shirley Lane
Boiling Springs
Sale Date: 04/15/2006
Sale Price: $ 149,900
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LOCA710N :'.tAP
Borrower: John K. Jr. BIXLER, Eatale
Property Address: 545 Park Drive
City: Boiling Spring_
Lender: Irwin & McKni ht
File No.. 07-0070
Case No.:
Slale: PA
Zip: 17007.9503
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Prepared by Steven \"I Barren RE. Appr. Svc. (717) 243-6646
IScal~: 6.00 mil~sl
, Borrower John K. Jr.6TXlE~sstate __-===_____-=-____--.Eile No,,_ ..07 .<JQ7L_____
Property Address 545 Pa~l<-D~iVe _____~e No..
City: Boiling Springs State: f>~ Zip: 17007-9503
Lender: Irwin & McKni ht
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Subject
FIocxlMap Legend
FIOO<l lone.
A,..s ....~.g b,. 'Q~)'..r tk.uuUlg
tlOO(llIdOIIll.ltlOll
Com",unil',,: 420~71 . SOUTH MIDDLETON, TO'M'/SHI' OF
Propdv is 10t ina FBAAs,ecial flood h<lzan:l3l'e3.
tA:;p ........mbCl': 42C')71 C020C t..ta;. 00ll:,}: 01/JoS/10J6
Panel: 0020e firS: 4~41
~OQ:X
Anas ....SICle olIN! 10(l. ..... 6~(l.yo JI I\oocIjlIuIs
_ Attas ir\ondoltd by loo.y.., n<oding
_ Altas n.n.s.c.d by 1000YOII tIcodlng will\ '_II)' II.twd
- ~.:y.....,
_ FIoo~~ ar,.. 'Mlh .,lot4y twr.rd
Artas oflitl4f:trmlntd tIul POl""'a ft'''d 1\....0.
Attas r.cl ""'Al'O 01 'rr<f pu\l<il~d FIRM
Nett....' T"nsarnerica Floo.J HaZ3rd c.rtilication (TFH:' no. ACI'1lake any
repre!enta1ons a walT3lnties to any pa!ty ccocerring the conent, jCCYf"J~Y 0-
compP.teness otthis ftood ~port inclu:lino any warrant/ of nerch3ll1ablh o'
titnc:s:s "0. a pa-ticul.f purpose. NenMr TF.~C nor AC; nor t'le seier 01 this
-lood"eDort shall have anv labilitI to <l1\f thrd pa;tv fo." any USE! Cf" misJse Q;
lhi; flo.j report.
File No 07-0070
""UU" QUALIFICATIONS .........
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The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the
Inspection of the subject property, the com parables sales, and their neighborhoods and locations. Unless otherwise
ncQd. the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET
VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home
Inspection service. This is an appraisal to estimate market value.
_1. The subject is located in a rural area and is less than 25% built-up.
2. Commercialllndustrial uses are located within the subject's neighborhood. These uses are typical of similar
neighborhoods.
_x_3. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for
the area.
_x_ 4. The predominant value in the neighborhood is less than that of the market value of the subject property. This
is due to the very wide range of value of properties in the area and superior quality of the subject property.
_5. The subject property is located in a F.E.M.A. Identified Flood Zone. Flood insurance coverage is required and
suggested.
_S. Dampness is noted in the basement of the subject. Standing or running water was not present on basement
floor. This condition is considered typical in dwellings of this style.
_x_7. The subject property is serviced by private well and/or septic systems which is common for the area.
_x_B. The subject is older than five(5) years. All mechanical systems including the heating, electrical and plumbing
systems appear upon a visual exterior inspection to be in working order. No warranties are implied in this statement.
_9. 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 items listed are cosmetic in nature.
_10. The basement floor is a dirt floor. This condition is common and typical for the area. and does not pose a
health or safety hazard.
_11. The subject property does contain functional obsolescence as noted in the report. This condition is
considered typical and common for the area and this style dwelling.
_12. The land value exceeds 30% of total value due to the high demand for vacant land in this neighborhood. This
condition is considered common and typical for the neighborhood.
_13. The land value exceeds 30% of total value. This is due to the large size of the site. This condition is
considered to be typical and common.
_14. Individual adjustments were required that exceed 15%. These adjustments were required due to lack of more
similar comparables on that individual rating. All comparables used are the best available.
_15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the
subject's market area. All comparables used are the best available.
_x_16. One or more comparable sales are older than six(6) months. Although there are comparable properties in the
subject's area, none have sold recently; therefore, sales in excess of six(6) months have to be used. All comparables
used are the best available.
_x_17. One or more comparables used were in excess of one (1) mile from the subject property. Although there are
comparable properties in the immediate area, none have sold recently. Therefore, it was necessary to use comparable
..Ies outside of the immediate area. All comparables used are located in similar neighborhoods and within the same
marketing area. All comparables used are the best available.
_1B. The electrical system was not connected during inspection.
_19. The water service was not connected during inspection.
_20. The heating system was shut down during inspection.
_21. Roofing_Plum bing_Electrical_Heating_certification(s) is/are suggested.
22. Inground swimming pool____ out buildings_are included-,not included_according to lender's
guidelines.
_23. According to lender's guidelines a maximum of_acres were considered for this valuation. Remaining
acreage was given no value.
File No 07-0070
AUU"""" QUAL/FICA T/ONS AUA44AU
_24. The subject property is located on a private road.
_25. Wood infeltatlon inlpectlon il luggeated.
_x_28. Lut recorded deed transfer: Date_Unknown---, Consideration: $_Unknown_.
_27. Proposed construction/renovation in accordance to plans and specifications to be completed in a workman-like
manner.
_28. Seller is paying part or all of closing costs.
_29. All comparable sales are verified closed sales.
_x_30. There are no special conditions or other requirements that would affect market value or future marketability in
the Appraisal Report.
CHECKED'ITEMS ARE SPECIFIC SPECIAL CONDITIONS THAT WERE IDENTIFIED BY THIS APPRAISER DURING
INSPECTION.
File No 07-0070
lUUU.. QUALIFICATIONS lUUlUA
Confidentiality and Security Polley
We conaider privacy to be fundamental to our relationahip with clienw. We are committed to maintaining the
confldantlality, integrity and security of clienw' personal information. Internal policiea have been developed to protect
thl. confidentiality, while allowing client needs to be served.
We restrict acceas to personal information to authorized individuals who need to know this information to comply with
federal atandarda to protect your nonpublic personal information. We do not disclose this information about you or
any former consumers or customers to anyone, except as permitted by law. The law permits us to share this
information with our affiliatea. The law also permiw us to share this information with companies that perform
marketing.
When we ahare nonpublic information referred to above, the information is made available for limited purposes and
under controlled circumstances. We require third parties to comply with our standards for security and confientialily.
We do not permit use of consumer/customer information for any other purpose nor do we permit third parties to rent,
.ell, trade or otherwise release or disclose information to any other party.
Education
AI of the date of this report, I and/or Steven W. Barrett, SRPA, SRA, have completed the requirements under the
continuing education program of the Appraisal Institute.
FiI. No. 07-0070
DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market
under all conditions requisHe 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 considers his 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 concessions' 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 institutional 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 LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is subject to the
following 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. The
appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised
on the basis of it being under responsible ownership.
2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is
included only to assist the reader of the report 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 the appraisal report whether 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.
5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their
contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and
are invalid if they are so used.
6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, 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 normal
research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden
or unapparent conditions of the property or adverse environmental conditions (including the presence of hazardous wastes, toxic
substances, etc. ) that would make the property more or less valuable, arid has assumed that there are no such conditions and makes no
guarantees or warranties, express or implied, regarding the oondition of the property. 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, the appraisal report must not be considered as an environmental assessment
ofthe property.
7. The appraiser obtained the information. estimates, and opinions that were expressed in the appraisal report from sources that he or she
considers to be reliable and believes them to be true and correct. The appraiser does not assume responSibility for the accuracy of such
items that were furnished by other parties.
8. The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Slandards of Professional
Appraisal Practice.
9. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion,
repairs, or atteralions on the assumption that completion of the improvements will be performed in a workmanlike manner.
10. The appraiser must provide his or her prior wrillen consent before the lender/client specified in the appraisal report can distribute the
appraisal report (including conclusions about the property value, the appraiser's identity and professional designations, and references to
any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the
mortgagee or its successors and assigns; the mortgage insurer; consultants; professional appraisal organizations; any state or federally
approved financial institution; or any department, agency, or instrumentality of the United States or any state or the District of Columbia;
exceptlhat the lender/client may distribute the property description section of the report only to data collection or reporting service(s)
without having to obtain the appraiser's prior wrillen consent. The appraiser's written consent and approval must also be obtained belore
the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media.
Freddie Mac Form 439 6-93
Page 1 of 2
Fannie Mae Form 100486-93
File No. 07-0070
APPRAISERS CERTIFICATION: The Appraiser certifies and agrees that:
1. I have researched the subject market area and have selected a minimum of three recent sales of properties most similar and proximate
to the subject property for consideration in the sales comparison analysis and have made a dollar adjustment when appropriate to reflect the
markel reaclion to those items of significant variation. If a significant ilem in a comparable property IS superior to , or more favorable than,
the subjecl property, I have made a negative adjustment to reduce the adjusted sales price of the comparable and, if a significant item in a
comparable property is interior to, or less favorable than the subject property, I have made a positive adjustment to increase the adjusted
sales price of the comparable.
2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the
appraisal report. I have not knowingly Withheld any significant information from the appraisal report and I believe, to the best of my
knowledge, that all statements and information in the appraisal report are true and correct.
3. I staled in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject
only to the contingent and limiting conditions specified in this form.
4. I have no present or prospective interest in the property that is the subject to 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 the
estimate of market value in the appraisal report on the race, color, religion, sex, 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.
5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my
compensation for performing this appraisal is contingent on the appraised value of the property.
6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party,
lhe amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my
compensation and/or employment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation, a
specific valuation, or the need to approve a specific mortgage loan.
7. I performed this appraisal in conformity 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 as of the effective date of this appraisal,
with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable
time for exposure in the open market is a condition in the definition of market value and the estimate I developed is consistent with the
marketing Ume noted in the neighborhood section of this report, unless I have otherwise slated in the reconciliation section.
8. I have personally inspected the interior and exterior areas of the subject property and the exterior of all properties listed as comparables
in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject improvements, on the
subject site, or on any site within the immediate vicinity of the subject property at which I am aware and have made adjustments for these
adverse conditions in my and lysis of the property value to the extent that I had market evidence to support them. I have also commented
about the effect of the adverse conditions on the marketability of the subject property.
9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on
significant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal
report, I have named such individual(s} and disclosed the specific tasks performed by them in the reconciliation section of this appraisal
report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in
the report; therefore, ~ an unauthorized change is made to the appraisal report, I will take no responsibility for it.
SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he or she certifies
and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the
slatements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking
full responsibility for the appraisal and the appraisal report.
ADDRESS OF PROPERTY APPRAISED: 545 Park Drive, Boiling Springs, PA 17007-9503
APPRAISER:
SUPERVISORY APPRAISER (only if required)
Sgnature: S~ Q . ~6br(\I.t\C
Name: Stan A. Skowronek
Date Signed: 04111/2007
State Certification #: RL-001572-L
or State License #:
Stale: PA
Expiration Date of Certification or License: June 30, 2007
Signature~ ..uJL -II
Name: Steven W. Barrett. SRPA, SRA
Date Signed: 04/11/2007
State Certification #: GA-000298-L
or State License #: RB026921 A
State: PA
Expiration Date of Certification or License: June 30, 2007
[Xl Did 0 Did Not Inspect Property
Certified Reaidential Appraiser
Freddie Mac Form 439 6-93
Certified General Appraiser
Page 2 of 2
Fannie Mae Form 1004B 6-93
S. W. Barrelt Real Estate & Appraisal Services
APPRAISAL OF
LOCATED AT:
168 East Main Street
Walnut Bottom, PA 17266-9710
FOR:
Irwin & McKnight
60 West Pomfret Street
Carlisle, PA 17013
BORROWER:
John K. Jr. BIXLER, Estate
ASOF:
March 6, 2007
BY:
Stan A. Skowronek
Certified Residential Appraiser
Fl. No. 07 ~71
s. W. 8ar~ett Real Estate & Appraisal Services
Fie No 07-0071
03/21/2007
Irwin & McKnight
liD West Porn fret Street
Carlisle, PA 17013
File Number: 07-0071
In accordance with your request, I have appraised the real property at:
168 East M ai n Street
Walnut Bottom, PA 17266-9710
The purpose of this appraisal is to develop an opinion of the market value of the subject' property, as vacant.
The property rj'::lhts appraised are the fee simple interest in the site.
In my opinion, the market value of the property as of March 6, 2007
is:
$380,000
Three Hundred Eighty Thousand Dollars
The attached report contains the description, analysis and supportive data for the conclusions,
final opinion of value, descriptive photographs, limiting conditions and appropriate certifications.
Respectfully submitted,
~Q.~u;rt4-
Stan A. Skowronek
Certified Residential Appraiser
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SUMMARY APPRAISAL REPORT
LAND APPRAISAL REPORT
~i~ No 07 -O07i
I "--'- Address 168 East Mam Street c..nsu'.I!..a~0127.0l!
G4Y Walnut Bottllm C;""'!tL CUl11Jlerla"-d.__~lat~.!,!\o_._~ Co<l~!1.266:~7.10.__.
L ion Deed Book 194. page 846
O-...dOa;u_1.4.~1J.-'l..3Q.~::O.Q~_. . _._. __.__ Ma Rateren", 11 ~302
sa. Price S NlA Dale of Sale NlA Property Rights Appraised
~_~esJco""!s,",,nslobepaidbpell"'$N/A.._._ _. .. l!J FeeSWnpI.
RE. T.......S 3 85Q~9(),__._-I...<2''''' oli,-oL~9~Mo. NlA_..._ L] L....hUd
l.8ncWIClient Irwin & McKniqht n CooaomlnlJm(HUDNA)
80 West Pomfret Street Carlisle. PA 17013 II PUD Source
LOCATION : 'Urllon IX! SlJborbon U Rur'll NEIGHBORHOOD ANAL YSIS _... '0' ""-
BUILT UP d Over 75% 00 25.75'~ 0 Und... 25% E~oyment Stabi"y [l !XI 0 0
GROWTH RATE n Ropld ~ Stobie n Slow Convllliencoto E~oym""t n ixI II n
PROPERTY VALUES C Inae"IIIg LX; Slo~ OCl>ciiOlng ConveOlencelo Shopping ,-: iii :-1 :-:
DEMAND/SUPPL Y 0 Shortage 11] In Balance 0 Over Supply ConvOfl"nte to Schools 0 :KJ 0 0
MARKETING TIME Ii Under 3 Mos. fXj 3-<i Mos n Over 6 Mos. Adequacy of PublicTransportation 0 [] 0 [Xl
PRESENT LAND USE "I. i LAND USE CHANGE I PREDOMINANT/ . 3'G..EFAMLYHOUSING Recre.Jtion Foeiit... ;-1 IX' :-; ;-;
. Single Famly 400/j Not Likely 0 IOCCUPANCV PRICE AGE Adequacy of Faciiies 0 00 0 0
~ 2-4 Fomiy 0.;' likely 0 Owner lXl $(000) (1'fS) PlOp.~y Compatibi~y Q Ii] 0 0
YuBi-F..,",,)' -O~ In proct:~ tir i T.n.mf LJ ~; 90 Low N~~ Prolodiun from o.him,nl.. Cood LJ lKJ LJ LJ
Commercial _~.!j To' Residential I Vacant (0.5%) iKI 1l!Q High ---1QQ.. PolICe & Fire Protection 0 IKJ 0 0
lna.sViaI 00/01 I Vacant (over 5'~) 0 Predamllan! General Appearance of Properties 0 l.Kl 0 0
Vacant 600/~ i 1 130 . 50 App~a1 tv M.;rl<.t r "i ixl i-i i-'l
Nol.: Race or the racial composition of the neighborhood are not considered reliable apprai.a1 f.ctOfS COMMENTS The subiect is located in an area of
mixed residential and aaricultural uses. which is common to Western Cumberland County. It is within reasonable drivina
distance to ammenities such as schools. shoccina and emplovrnent.
LENDER DISCRE [JUNIoRy USE
Sale Pnce S
Date
Mortgage An""'nl $ __".. ~
Mortgage Type
Discount Paints and Other CoocesSlOflS
Paid by :;"II~,
--
~:::,.~~e:~;:~NJ>i~qll.__.-- Comer Lot No--- ~,', ~:~raPhY ~;i~~than n~r~~===
ZoniIlg Cassification Residential Zoning Co~iance N/A --=-1 Shape Irregular
HIGHEST" BEST LISE PresenILl,. Present 0'''''' th. N/A Drainage ",p~ars.~~e.<lll<ll~___
UTILITIES P,:b1ic 01her I SITE IMPROVEMENTS Type Public. Privale I, View Ooen country
EIeclri:ily 00 ---1 Street Macadam 00 0 landscaping N/A
c.. CJ ; CulbIGu"~ None CJ CJ DrIVeway Stone
Waler 0 Well ~ Sidewalk None 0 0 ,I' Apparenl Easements None,ApP!!r.!l!lL__._
Sanil.-y Sewer [] S-;;'ptic Street Lights None 0 0 FEMA Rood Hazard Veso _ No X
StormS._ n . Allev None n n FEMAoM3P1Zone 421596 0006 AlZoneX
Comments (Apparent adverso oa,ements. oncro.Jchment.. special a.sessmonts. ,lido area.. otc.j: Private water and saf!itary systems are common to
the area and have no adverse affect upon marketability. There are no al1Parent adverse easements. encroachments or other
adverse conditions.
The ultdeni!fllld 'lill ~t1t.:lhrtJ lIlfolM ~.cen! sales ur prOpel/lll1S musl simllLar illllt !Inuim<lte 10 lubJiu:! .and!l.u clHuidertd Ihuol! in the mOlI...l iUlalysil The desclipl!on Jncludu.. dulliff
a'Juslment, reflecllng mark-e.1 reaction to thOse llems of SIr;!nlf!c..nl v-arialion bel ween lhe sublett and compHalll. properties II a SlgnFflCanlllem In fhe companllle properl~ IS superior
10, or IIIor. 'avorable lholn, the ~U~l~l;l proper:v. a rnlnu~ (.) :ildJlalment i~ m.1de, !hu~ re:f1Jcin\llt'1e lndlciUecl v31ue of s<lbllct, ,t a SiQnlficanllte!l\ In Ihe CDmllara~l. IS inlerlcr 10
11( Ie., '''V''';w'''e !11..". !/1P ~1H1~"':1 llr"!'t!rFy "PIU, \ .... If<JpHIIIYtf'n! I'll ",...f II , thu., ;nr:r""sp,'l d... 1J\.j'I;,,'''.1 V'1Il/1!! '" rfle :JUI'!."'1
I SUBJECT I COMPARABLE NO.1
! 168 E. Mai,~St. i 08-12-0334-052
Address L~,<I!!l.ut Bottom J5.Lng~Q~ Rd. Carlisle
P",xirriI.lo Sub'eel i 6.8 MI E
s...Pric:e .JL._.__NIAJ $__...........l~0
PriceI Acre IS rni $ 4571 r.'I
Data Source IlnsQection Courthouse
VALUE ADJUSTMENTS J DESCRIPTION DESCRIPTION I
. SalesorFlfliIncing I Unknown
~~, I
DaleofSaleffllTl8 I N/A '01/11/2007
~~i," ___J.~!'l?u.rl?all.__ ~l!...burban
SleI,v.... . ____. . nu! 82.62 Ac/Avg . 70 Ac/A,!g. __ ....
Utilities ' On Site None
Zonina I Residential I Aari/Cons 1+5%1....;
.~molit.ioll'" . i Old Hou~e 'un NoneJ-2%) :
I
NeI A<Ii. notal}
Indicated Value
of Subiocl
Comments 01 Sale. Co"llarlSon:
i
!
I iXi. li.:$
I Gros", 7.0 I
, Net 3.0 1$
See AttaChed Addendum.
I COMPARABLE NO. 2 COMPARABLE NO..~
! 40-14'{)142'{)54 .46-08-0589-017
01<1 Town Rd, Gardners._ .Lef~"yer ~~~i!~_.
13.3 MI E 6.5 MI NNE
$_._......!??,OOOj____..J._ _._25~,,?Q9
$ 5309171 ,$ 4113 '.1
Courthouse I Courthouse
".~...---L......J1~~I:;~TlQN~.l. ".",.,,.,- DESCRIPTION! .(....~,.....nl
I Unknown: Unknown
05/15/2006 06118/2005
Suburban . ~!lbur~an~-.:____._.
_u. j70,64 Ac:/Avg : .m_. _161.39 AclAvg ,
i None : On Site
229 AgrilCons. (+5%) , 265 ~r1!:llltur~-.:__._
_ ~91\ !None (-2%1...: _._=-1()6 [,Nonel-2%L..__.:.u . -82
i : i .
138!ixl' I j. '$ 159" i.
I Gross: 7.0 I
47091 Net. 3.0 ' $
Gross:
IXi. : $
2.0 I
-2.0 I $
82
ITEM
5 468 Net
4031
Comments and Conditions of App'.".1. Property has been~Eraised in "as is" condition. No improvements were considered in the
value re~ed. Appraiser assumes all necessary permits for future building on site are available.
Final Reconciliation !Ile-'~<liustedflri<:eper acre range iS$4,():Jl..to.J~,"fl~fleLa<:re.. S~ 'l'.$4,6{)l!~..!=re":m 8~6.? acr:~!i."@J"!IlIlO/~re =
· $380052.sA Y $380...9110. - '. ==.
I (1IIIEl ESTIMATE THE MARKET VALUE. AS DEFINED, OF THE SUBJECT PROPERTY AS'OF 03/06/2007 to b. $ 380.000
. I (We) certify: thZlt to tho be;;t of my (our) knowlllidge OJnd belIef, the f;Jct:; <Jnd data u;;ed herein ilre true and correct; IhJt I (we) per:.onJlJy Inspected the :;ubJ~d property
and inspected all compo. .rable sale.' ~ded In this report; and that I (we) have no u. ndisdosed In~. sent or pr~ therein.
APprillS8l(.l~..G...~1~___. R.,i...APP"""',..d_-C:::_ vJ,J:.::::-, fL "_ lX"jDod C]Di<JNoI
Stan A. Skowronek (hpphcable) Steven W. Barrett SRA SRPA ASA In.ped Properly
Prt.pllHllylAtJ~lIrno4It11&Certlfled ResldentJa' Appraiser f'K.....'.uj...~'I1...,.;~~.~_~.'(;2'4~'~I.......JI....."ooo,.. Certified GeneraJ Appraiser
S.W. Barrett Real Estate & Appraisal Services
ADDENDUM
Barroww: John K. Jr. 3IXLER, Estate
PnIpelty Addrl!lSll: : l18 East Main Street
City: vv.lnut Bonom
Lender: Irwin & McKnight
FIle No.. 07-0071
Case No
Slate: PA
Zip. ~ 7266-971 0
Comments on Sales Comparison
All c~rables are of similar utility to the subject. lack of sales of large tracts or vacant land required an expanded search area.
These are the bestlaryer acreage vacant land s.les known to be available. Demolition adjustment is estimated to be between
",000 and $10,000 . SAY 2% of sales price. - The existing dwelling has been left vacanl for several years and is uninhabitable in
its present condition and poses a sarety hazard. No adjustment ~de ror utilities; although the subject and comparable sale No.3
have existing well and septic systems, they have not been in use and condition is unknown.
Addendum Page 1 of 1
W J_.,;_ .,;' 1- -,"\. _,r ':;;;i'. ,
_ .4... ;...'.:..\l':~~ M
Borrower John ~. Jr. 8I,~L.:=R,. =,",l"t"
Property Addr~s: 1 ~~. East '~_aInStreet
9ity: Walnut Bottom
Lender: Irwin & McKnl hI
Stare PA
i' .
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Zip 17266
FRONT VIEW OF
SUBJECT PROPERTY
Appraised Date: March 6, 2007
ApD' alsed Value: $
REAR VIEW OF
SUBJECT PROPERTY
STREET SCENE
i Borrower: John K, Jr. BIXl...:..,3LE::,,("~e_.
'f?!Ql!!!rty Add.ress 168 ~s~~a,-n5l1:~~t.___
i City' Walnut Bottom
Lender' Irwin & McKni ht
'Ie 'Je 0i'O]071
~ ----- ------ ---~~d~)e'j~)--'-------.-------
----- -...- -.-,.------~~Statp.:PA----.-- --------Z~172~-.----
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!
Borrower: John K. Jr. BIXLER, Estate -____fiLe_No. 07-0071
Propertv Address 168 East MainJ'i!reet_________________c;:~e No~___ _
City: Walnut [k)ttom State PA Zip. 17266 - -----
Lender: Irwin & McKni ht
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BOITower: John K. Jr. BIXLER, Estate
Property Address: 168 East Main Str~____
City: Walnut Bottom ___
Lender: Irwin & McKni ht
FI~No.. OHl071
Case No.:
State PA
Zip: 17266-9710.
"
",,,,,ulhU~.Rd
FloodMap Legend
flOOO zones
......s lrUndtII.fJ lil)' ~.,.., &<;.dJng
flOOd IIIIOlnlat101I
Comrr,unil"yC 421~. SOUTH NEiNTOfl, rO...lINSHIP CF
P,c.p~ry is nO! in a F BAA sp~rial flooo haZ3ld area.
Mop h.rnb..., 42'~Q6 C006A t.Aoj> Oa.: OQAl4llQaQ
Panel; ODD5<\. FIPS: 4:<041
~n'IQ:X
A..... Od.-atlne 100- _60o-Y""'~
_ Ar... inInd4I.d by 1000y.., ftcodlng
_ Artas inInd4Itd by 1000y.., ftcodlnlilwilll'~.......
_ P'1WxIw"Y_r..<1o
_ FkOGw,.,. "..$ '""'~ v.IO"'Y ".....d
Ar... OI_.rm""d lIo.lI po,_ "'" huard.
Art...... ~ on 1I'l'/~".d FIRM
Neitner rr.lnsamertca Flood HaZlfd c.nification (TF H C) nor ACI make any
llepP::soentat.....ns Cf'" wamnties to any palty cmcerring the c.Qn:ll!:nt, ilCC1Jr3''::" O.
oomplnentis o1this fiooo "",ort. iMhdino any warrant'r of merohalllablilv 'X"
1itnESs fa;a p.cnicul.,- purpose. Neit~r TFHC nor ACI nor1r.e seier 01 this
11l)od ~Dort sbaU h3VI!!: any lat.ilit"f to a"ll)" th"j paltv for anI} U$~ cr- rTti:iUs;:: .)f
thi; flool report.
~-_._._-----~-----_._---'----~_._---~_.._----~--~-----~---_._--~~._~-_._-..-
,leNa \J7.J071
.---- QUALIFICATIONS ..u.,...... ,
The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the
Inspection of the subject property, the com parables sales, and their neighborhoods and locations. Unless otherwise .
noted. the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET
VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home i
inspection service. This is an appraisal to estimate market value.
_1. The subject is located in a rural area and is less than 25% built-up.
__2. Commercial/Industrial uses are located within the subject's neighborhood. These uses are typical of similar
neighborhoods.
_x_J. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for
the area.
__4. The predominant value in the neighborhood is less than that of the market value of the subject property. This is
due to the very wide range of value of properties in the area and superior quality of the subject property.
_5. The subject property is located in a F.E.M.A. Identified Flood Zone. Flood insurance coverage is required and
suggested.
_6. Dampness is noted in the basement of the subject. Standing or running water was not present on basement
floor. This condition is considered typical in dwellings of this style.
_x_7. The subject property is serviced by private well and/or septic systems which is common for the area.
__8. The subject is older than five(5) years. All mechanical systems including the heating, electrical and plumbing
systems appear upon a visual exterior inspection to be in working order. No warranties are implied In thiS statement.
_9. 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 items listed are cosmetic in nature.
_10. The basement floor is a dirt floor. This condition is common and typical for the area. and does not pose a
health or safety hazard.
_11. The subject property does contain functional obsolescence as noted in the report. This condition is
considered typical and common for the area and this style dwelling.
_12. The land value exceeds 30% of total value due to the high demand for vacant land in this neighborhood. This
condition is considered common and typical for the neighborhood.
_13. The land value exceeds 30% of total value. This is due to the large size of the site. This condition is
considered to be typical and common.
_14. Individual adjustments were required that exceed 15%. These adjustments were required due to lack of more i
similar com parables on that individual rating. All comparables used are the best available. !
__15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the
subject's market area. All com parables used are the best available.
_x_16. One or more comparable sales are older than six(6) months. Although there are comparable properties in the
subject's area, none have sold recently; therefore, sales in excess of six(6) months have to be used. All com parables
used are the best available.
_x _17. One or more comparables used were in excess of one (1) mile from the subject property. Although there are
comparable properties in the immediate area, none have sold recently. Therefore, it was necessary to use comparable
sales outside of the immediate area. All campa rabies used are located in similar neighborhoods and within the same
marketing area. All comparables used are the best available.
_18. The electrical system was not connected during inspection.
_19. The water service was not connected during inspection.
_20. The heating system was shut down during inspection.
_21. Roofing_Plumbing_Electrical_Heating_certification(s) is/are suggested.
22. Inground swimming pool_. out buildings_3re included_.not included_3ccording to lender's
guidelines.
_23. According to lender's guidelines a maximum of_acres were considered for this valuation. Remaining
acreage was given no value.
I
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:
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Fij~ No 07 -fJ071
******-* QUALIFICATIONS ***-***.
_24. The subject property is located on a private road.
_25. Wood infestation inspection is suggested.
_x_26. Last recorded deed transfer: Date_02/24/1999 _' Consideration: $_1.00_.
_27. Proposed construction/renovation in accordance to plans and specifications to be completed in a workman-like ;
manner.
_28. Seller is paying part or all of closing costs. ,
_x_29. All comparable sales are verified closed sales.
_X_JO. There are no special conditions or other requirements that would affect market value or future marketability in
the Appraisal Report.
CHECKED ITEMS ARE SPECIFIC SPECIAL CONDITIONS THAT WERE IDENTIFIED BY THIS APPRAISER DURING
INSPECTION.
I
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----------------~---__ J
Fl. No. 07-<>071
DEFINITION OF MARKET VALUE: The most probable price which a property should bring In , competitive and open market
under all conditions requiSite to a fair sale, the buyer and seller, each acting prudently, knO/Nledgeably and assuming ,he price is not
affected by undue stimulus. Implicit In thiS definition IS the consummation of a sale as of a specified date ana the passing of tltla 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 considers hiS own best Interest. (3) a reasonable lime IS allowed for axpo,ure in the open market. (4\ payment
IS made In terms of cash In US 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 concessions' granted by anyone associated With the
SilU>
'Adjustments to the comparables must be made tor speCial or creative finanCing or sales concessions. No aOJustments 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 t"rms offered by a third party institutiunallender that is not already invulved in the pruperty or tr~nsadiun. 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 LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: The appraiser's cerlification that appears In the appraisal report is subject to the
following 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. The
appraiser assumes that the title is good and marketable and, therefore, Will not render any opinions about the title. The property is appraised
on the basis of ~ being under responSible ownership.
2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is
included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of Its size.
3. The appraiser has examined the available flooo maps thaI are prOVided oy the Federal Emergency Management Agency (Or other data
sources) and has noted in the appraisal report whether 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.
5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at thelf
contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and
are invalid if they are so used.
6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreCiation, the presence of hazardous
wastes, toxic substances, etc. ) observed durillg the inspection of the subject property or that he or she became aware of during the normal
research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden
or unapparent conditions of the properly or adverse environmental conditions (including the presence of hazardous wastes, tuXlC
substances, etc. ) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no
guarantees or warranties, express or implied, regarding the condition of the property. 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, the appraisal report must not be considered as an environmental assessment
of the property.
7. The appraiser obtained th.. rnformatlon, estimates, and opinions that w..re express..d In Ih.. appraisal report from sourc..s that h.. or she
considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such
~ems that were furnished bv other partres
8. The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional
Appraisal Practice.
9. The appraiser has based hiS or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion,
repars, or aneralions on the assumption that completIOn of the improvements will be performed In a workmanlike manner
10. The appraiser must prOVide hiS or her prror written consent betore the lender/client speclfleo rn the appraisal report can dlstrlOute tne
appraisal report (mcluding conclusions about the property value, the appraiser's identity and professional designations, and references to
any professional appraisal organizations or the firm With which the appraiser IS associated) to anyone other than the borrower; tho
mortgagee or its successors and assigns; the mortgage inSUlar, consultants, professional appraisal organization" any stdte or federally
approved financial institution; or any department, agency, or instrumentality of the United States or any state or the District of Columbia,
except that the !ender/client may distflbute the property descllption section of the report only to data colleclron or reporting service(s}
without having to obtain the appraiser's prior wertten consent. The appraiser's wlltten consent and approval must also be obtained before
the appraisal can be conveyed by anyone to the public through advertiSing, public relat:ons, news, sales, or other media.
Vacant Land
Page 1 of 2
APPRAISERS CERTIFICATION: The Appraiser certifies and agrees that:
;:,i. No. 07 -il071
1. I have researched the subject market area and have selected a minimum of three recent sales of properties most similar and proximate
10 Ihe subject property for consideration in the sales companson analysis and have made a dollar adjustment when appropriate to reflect the
market reaction to those items of significant variation. If a significant item in a comparable property is superior to , or more favorable than,
the subject property, I have made a negative adjustment to reduce the adjusted sales price of the comparable and, if a significant item in a
comparable property is infenor to, or less favorable Ihan the subject property, I have made a positive adjustment to increase the adjusted
sales price of the comparable.
2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the
appraisal report. I have not knowingly withheld any significant information from the appraisal report and I believe. to the best of my
knowledge, that all stateme1ts and information in the appraisal report are true and correct
3. I stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject
only to the contingent and Limiting Conditions specified in Ihis form.
4. I have no present or prospective interest in the property that is the subject to this report, and I have no present or prospective personal
interest or bias with respect to the participants in the transaction. 'did not base, either partially or completely. my analysis and/or the
estimate of market value in the appraisal report on the race. color, religion. sex, 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.
5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my
compensation for performing this appraisal is contingent on the appraised value of the property.
6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party,
the amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my
compensation and/or employment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation, a
specific valuation, or the need to approve a specific mortgage loan,
7. I performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice thai were adopted and
promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the effective date of this appraisal,
with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable
time for exposure in the open market is a condition in the definilion of market value and the estimate I developed is consistent with the
marketing time .noted in the neighborhood section of this report, unless I have otherwise stated in the reconciliation section,
8. I have personally inspected the subject property and the exterior of all properties listed as comparables
in Ihe appraisal report. 'further certify that I have noted any apparent or known adverse conditions in the subject improvements, on the
subject site, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustments for these
adverse conditions in my analysis of the property value to the extent that I had market evidence to support them. I have also commented
about the effect of the adverse conditions on the marketability of the subject property.
9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal reporl. If I relied on
significant professional assistance from any individual or individuals in the performance of the appraisal or Ihe preparation of the appraisal
report, I have named such indlvidual(s) and disclosed the specific tasks performed by them in the reconciliation section of Ihis appraisal
report. I certify that any individual so named is qualified to perform the tasks. I have nol authorized anyone to make a change to any item in
the report; therefore. if an unauthorized change is made to the appraisal report, I will take no responsibility for it
SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he or she certifies
and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree With the
slalements and conclusions of the appraiser. agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking
full responsibility for the appraisal and the appraisal report.
ADDRESS OF PROPERTY APPRAISED: 168 East Main Slreet, Walnut Bottom, PA, 17266.9710
APPRAISER:
SUPERVISORY APPRAISER (only if required)
Signature: ~ .,t)jl_--If.
Name: Steven W. Barrett, SRA, SRPA, ASA
Date Signed: 03/21/2007
State Certification #: GA000298L
or State License #: RB026921A
State: PA
Expiration Dale of Certification or License: June 30, 2007
Signature: ~ 1\ Ct '~()"-"Nl
Name: Stan A. Skowronek
Dale Signed: 03/21/2007
Slate Certification II: RL001572L
or Slate License #:
Slate: PA
~ation Date of Certification or License: June 30, 2007
Certified Residential Appraiser
00 Did 0 Did Not Inspect Property
Certified General Appraiser
Vacant Land
Page 2 of 2
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AT&T Inc. (T)
,Scotlrade'J
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Start Date: Jan
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19
2007
End Date: Jan
19
2007
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PRICES
Date
Open
High
Low
Close
19-Jan-07
35.30
35.35
34.87
. Close price adjusted for dividends and splits.
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At 10:S6AM ET: 42.86 l' 0.03 (0.08%)
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Enter Symbol(s)
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SYmb.QLL.QQ-'-~Y.R
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At 9:57AM ET: 28.66 ... 0.07 (0.24%)
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SET DATE RANGE
End Date: Jan
16
16
2007
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PRICES
Date
Open
High
Low
Close
Volume
Adj
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16-Jan-07
26.25
26.57
26.12
26.57 7,935,300
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16-Jan-07
92.00
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Finance Search
Idearc, Inc. (IAR)
liD AME.nTRADE
......--.._~.,,~'..~..k'...~,,'~__...-~.
$9.99 TRADES;
NO SURPRISES j~
Historical Prices
SET DATE RANGE
Start Date: Jan
End Date: Jan
PRICES
Date
Open
16-Jan-07
30.85
* Close price adjusted for dividends and splits.
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( GET' Quons 1: Symbol Lookup
f>*Tl'l:All[ hM'i
OTrade Smarter
t- F1IIelJr,
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At 10:43AM ET: 31.48 l' 0.45 (1.45%)
IGOI
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30.14
5.OS::Pv
5A\I1NGSJol:COLMT
NO Ml NIMUliIS
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16
2007
Eg. Jan 1,
2003
16
2007
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High
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Low
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Volume
31.20
30.85
31.08 647,200
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Finance Search
Enter Symbol(s)
Intermec, Inc. (IN)
'E*TRADE
FI NANC IAL'
'.
l' 0.09 (0.35%)
Historical Prices
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IGOI
-~
SET DATE RANGE
Start Date: Jan
16
2007
2007
Eg. Jan 1,
2003
@Daily
o Weekly
o Monthly
o Dividends Only
End Date: Jan
16
Get Prices
First I Prey I Next I Last
PRICES
Date
Open
High
Low
Close
Volume
Adj
Close*
16-Jan-07
24.36
24.49
24.17
24.40 551,300
24.40
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First I Prey I Next I Last
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'hHOOfi. FINANCE
Dow l' 0.05% Nasdaq l' 0.11%
Tuesday, February 6, 2007, 9:33AM ET - U.S. Markets close in S _____
Enter Symbol(s)
( GET QUOTaS)
SY!11b.2L!...QQK!.J-R
Eirui!:tce Search
._.__._-------_._~--------~--
New Plan Excel Realty Trust Inc. (NXL)
1..'100. f................ Scotlrade'
.FREETRADES .....
E*nUE S.cur;ti..
On Feb 5: 2~
Historical Prices
Get Historical Prices for:
IGOl
SET DATE RANGE
Start Date: Jan
16
2007
Eg. Jan 1,
2003
(!; Daily
C) Weekly
Monthly
Dividends Only
End Date: Jan
16
2007
[ Get Prices
First I Prev I Next I Last
PRICES
Date
Open
High
Low
Close
Volume
Adj
Close*
16-Jan-07
27.73
28.04
27.65
27.96 456,800
27.96
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Enter Symbol(s)
Finance Sea~
( GET QUOTES)
Symb.QLI.,QQJ~YR
Norfolk Southern Corp. (NSC)
f19~Est
E*T&"DE S4curiti4$
Historical Prices
SET DATE RANGE
Start Date: Jan
16
16
End Date: Jan
PRICES
Date
Open
High
16-Jan-07
50.14
52.13
· Close price adjusted for dividends and splits.
On Feb 5: 4~=
Get Historical Prices for:
jGOI
2007
2007
Eg. Jan 1,
2003
@) Daily
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Get Prices
First I Prev I Next I Last
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Close"
51.78
Close
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50.14
52.02 4,241,900
First I Prey I Next I Last
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Verizon Communications Inc. (VZ)
,100
FRE. TRADES
1m AMERITRADE
At 9:58AM ET: 38.04 .. 0.05 (0.13%)
E*r..DE Socu.itIO'
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L---.J
SET DATE RANGE
Start Date: Jan
End Date: Jan
16
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2003
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2007
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PRICES
Date
Open
High
Low
Adj
Close*
36.97 37.16 11,322,300 37.16
Close
Volume
16-Jan-07
37.41
37.49
* Close price adjusted for dividends and splits.
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----~_._-'-~-_."-......,-_.._--_.._.,~~--_._.._------_._--<-~-~-----_'_'~_'~'--~_.._.~,.,..,-----
On Feb 5: 9.84 0.00 (0.00%)
ilD AMERITRADE
TRADE FREE FOR
45 DAYS.. en $100
Historical Prices
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IGOI
SET DATE RANGE
Start Date: Jan
16
2007
Eg. Jan 1,
2003
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() Weekly
Monthly
Dividends Only
End Date: Jan
16
2007
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PRICES
Date
Open
High
Low
Close
Volume
Adj
Close>
9.33
16-Jan-07
9.40
9.42
9.33
9.37 112,700
* Close price adjusted for dividends and splits.
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ADVERTISEMENT
http://finance. yahoo.com/q/hp?s=TOPP&a=OO&b= 16&c=2007 &d=OO&e= 16&f=2007 &g=d
2/6/2007
FROM:
FISERV SECURITIES, INC.
000632
193143272031
930814302804901
P.O. BOX 775 BOWLING GREEN STATION
NEW YORK, N.Y. 10274-0775
FOR YOUR RECORDS AND FOR
POSSIBLE INCOME TAX PURPOSES
WE SUGGEST THA T YOU FILL IN:
DATE PURCHASED:
MAIL
TO:
JOHN K BIXLER JR
545 PARK DR
BOILING SPRGS PA 17007-9503
AMOUNT PAID:
DETACH THIS TRANSMITTAL COpy
AND PUT IT WITH YOUR TAX RECORDS
IMPORTANT INFORMATION - SEE REVERSE SIDE
QUESTIONS ABOUT THE ENCLOSED SECURITIES SHOULD
BE DIRECTED TO YOUR ACCOUNT REPRESENTATIVE.
DO NOT SEND ANY MAIL TO THE POST OFFICE BOX
SHOWN ON THE ENVELOPE.
YOUR SECURITIES ARE
VALUABLE
PROTECT THEM
SECURITY DESCRIPTION CUSIP NUMBER QUANTITY TAXPAYER NUMBER DATE ISSUED
TOPPS COMPANY INC + 890786106 500 207221576 11/ 05/1999
CERTIFICATE NUMBERS: REFERENCE NUMBER
TC-24757
55566905197260991027BIXLER JOH09P09S
MAIL DATE:
11/12/1999
DMD
9
HEREWITH SECURITIES TRANSFERRED AS PER YOUR INSTRUCTIONS. THE CON
TENTS OF THIS PACKAGE ARE INSURED FOR REPLACEMENT IF LOST IN THE MAIL
THE TAXPAYER NUMBER APPEARING ON THIS FORM HAS BEEN SUBMITTED TC
THE TRANSFER AGENT AS THE IDENTIFYING NUMBER OF THE NAME APPEARINC
ON THE CERTIFICATE. WILL YOU PLEASE VERIFY THAT THIS IS THE CORRECT NUM
BER FOR THE NAME SHOWN. IN THE EVENT THE NUMBER SHOULD BE CHANGED
PLEASE SEND THE PROPER NUMBER TO THE TRANSFER AGENT SHOWN ON THE
SECURITY CERTIFICATE AND HE WILL CORRECT THE RECORDS ACCORDINGLY
SHOULD YOU DESIRE TO SELL YOUR SECURITIES AT ANYTIME, WE WOULD BE
PLEASED TO HANDLE THE TRANSACTION FOR YOU.
R:ftjftlr1lI~~~t~ AJ1r ADDRESS:
545 PARK DR
BOILING SPRGS PA 17007-9503
7394 (4/92)
Holdings 01/16/2007 Death Valuation
For - 652-03983:044 - John K. Bixler,Jr.
Symbol\CUSIP
AED
CPRV
KVL
GDVPRD
GDVPRA
GE.GXJ
GED
GPW
RVTPRB
CLD
TOTALS
Description
*** AEGON N V PFD 6.5%
CASH ACCOUNT BALANCE
CITIGROUP CAPITAL VII 7.125%
CORTS TR VERIZON GLOBAL 7.375%
GABELLI DIVID&INCOME TR 6.00%
GABELLI DIVIDEND&INCOME 5.875%
GENERAL ELEC CAP CORP Coupon 5.75%
Mature 03/15/32
GENERAL ELEC CAP CORP 5.875%
GEORGIA PWR CO SR NOTES 5.75%
ROYCE VALUE TRUST INC 5.9%
SAN DIEGO CALIF PENSION OBL
Quantity Price Market Value
500.00 $ 25.83 6162.50
1,000.00 25.3600
1,000.00 25.3900
2,000.00 25.3600
1,000.00 25.2000
35,000.00
94.7800
1,200.00 25.0200
1,000.00 24.0600
1,100.00 24.3700
1,100.00 25.5500
25,360.00
25,390.00
50,720.00
25,200.00
33,173.00
30,024.00
24,060.00
26,807.00
28,105.00
268,839.00
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T. ROWE PRICE SERVICES. INC.
NWW"ROWE?RIC:::.CCM
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21117..+903
April 19, 2007
Law Offices of Irwin & McKnight
Attn Roger Irwin
60 West Pomfret 5t
Carlisle PA 17013-3222
~~Ctl:~wlt~
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IR vVIN (.~ tv1cKNTGHT
Subject: Date of Death Valuation
New Era Fund Traditional IRA 540246631-5
New Era Fund Account 52402969-3
Dear Mr. Irwin:
Thank you for contacting T. Rowe Price about the fund account and Traditional IRA of the
late John Bixler, Jr.
Our records show the following account information as of January 16, 2007:
Fund Name Date Share Number of Total Account.
Established Price Shares Value
New Era 3121/05 $43.60 567.056 $24,723.64
(Traditional IRA)
New Era 3/2/06 $43.60 1,739.539 $75,843.90
(Nonretirement)
There has been no change of ownership within one year of the date of death. However, the
accounts shown above received exchanges of assets from Mr. Bixler's G. N. M. A. Fund
Traditional IRA 700115799-7 and G. N. M. A. Fund Account 1018238606-9 (respectively) on
February 27, 2006. These accounts remain closed with a zero balance.
Since the above open accounts are invested in equity funds, there are no accrued dividends to
report. We hope this information is helpful.
13roKefulQ
4CCWf\t
. {~l <J .iJ
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- \ .
T.Roweltice'li.
INVEST WITH CONFIDENCE
If you have any questions regarding this correspondence, please call a telephone services
representative at 1-800-225-5132. Representatives are available Monday through Friday from
7 a.m. to 12 a.m. and Saturday and Sunday from 8:30 a.m. to 5 p.m. eastern time.
Sincerely,
/~(t
Michael Barry
Senior Account Services Representative
Correspondence Number: 01153257
T.Roweftice'L
INVEST WITH CONFIDENCE
T. ROWE PRICE INVESTMENT SERVICES, INC.
WWWTROWEPRICE.COM
BROKERAGE
pr_> aox ;./43S
Hal tlrntJre. ;'v'ar~tland
.~1297 t43r:~
~qS Painter, Mill Road
OWing, Mills, MdJ'yland
21117 -490 3
Toll Free 300-225-77 20
Fax 410-.345-6244
September 28, 2007
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Law Offices of Irwin & McKnight
Attn: Roger Irwin
60 West Pomfret St.
Carlisle PA 17013-3222
-11
Re: Date of Death Valuation for Brokerage Account 30A089033 - John K Bixler Jr.
Dear Mr. Irwin:
Thank you for contacting T. Rowe Price about the Brokerage Advantage account shown
above. This correspondence is intended to provide you with the date of death valuation
that you requested. The date of death was January 16,2007.
The Brokerage Advantage account balance on January 16, 2007 was calculated to be
$10,304.00. Please reference the enclosed worksheet that shows how this balance was
calculated. The account was established on June 3, 1998 and there was no change of
ownership within one year of the date of death.
If you have any additional questions, please call a Brokerage representative at 1-800-225-
7720. Brokerage representatives are available Monday through Friday from 8 a.m. ET to
8 p.m. ET. Thank you for investing with T. Rowe Price.
~}vvLJ
Joey Snader
T. Rowe Price Brokerage
A division ofT. Rowe Price Investment Services Inc.
T.R.oweItice ~
INVEST WITH CONFIDENCE
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To: Roger B. Irwin, Attorney
60 West Pomfret Street
Carlisle, PA 17013
From: William G. Rowe, Appriaser
211 Old Stone House Road
Carlisle, PA 17015
Re: Personal Property Appraisal
Estate of John K. Bixler, Jr.
545 Park Drive
Boiling Springs, PA 17007
Date: September 6, 2007
LINDEN HALL ANTIQUES
211 OLD STONE HOUSE ROAD
CARLISLE, P A 17015
717-249-1978
HALLWAY
Settee
Washstand
Coverlet
Mirror I wall hangings
KITCHEN
Refrigerator - older model
Microwave - no value
Dishwasher - no value
Miscellaneous household items
Schoolmaster desk
Kitchen wares
Books
LMNG ROOM
Sofa
Upholstered chair - as is
Marble-top table
Mirror
Lamps
Prints - wild life
Heater - no value
Small T.V. I electronics
Blanket chest
Drop-leaf table
End table
Upholstered chair - no value
Rocker
Rug
Sweeper
Coffee table
Stool
Toy steam roller - Steel Craft
Stand
Stand - one drawer
Koch Appraisal
$45.00
$125.00
$25.00
$20.00
$20.00
$0.00
$0.00
$20.00
$165.00
$30.00
$25.00
$20.00
$5.00
$100.00
$50.00
$20.00
$100.00
$0.00
$10.00
$100.00
$175.00
$20.00
$0.00
$15.00
$20.00
$10.00
$20.00
$10.00
$35.00
$30.00
$120.00
01/09/2007
Exercise bike. no value
Ann chair - older
Desk - Governor Winthrop style
Stamps
Bookcase / cupboard - walnut
$0.00
$15.00
$135.00
$10.00
$250.00
DINING ROOM
Cupboard
Stemware
Nippon china
Drop-leaf table - cherry
Set of chairs
Cast iron bank
Set of Lenox china
Noritake china
$350.00
$10.00
$45.00
$150.00
$80.00
$20.00
$85.00
$45.00
BEDROOM
Bedroom set
Foot stool
Teddy bear
$150.00
$50.00
$20.00
OFFICE
File cabinet
Desk / chair
Rocker
Cabinet
Hide-a-bed - no value
Print - wild life
$10.00
$10.00
$20.00
$20.00
$0.00
$50.00
BEDROOM
lamp
Marble-top stand
Bed
Dresser
Books / shelf
Rocker
Washstand
Prints
Shelf
$15.00
$75.00
$225.00
$75.00
$10.00
$15.00
$75.00
$40.00
$5.00
BASEMENT
File cabinets
Cabinets
Painting - Elk
Metal shelves
Creel
Heater
Sideboard
Dresser
Computer desk / computer. older model
Clock
Jug
Dry sink
Frames
Fishing rods
Refrigerator. no value
Table
$50.00
$10.00
$75.00
$10.00
$15.00
$5.00
$200.00
$110.00
$40.00
$50.00
$10.00
$150.00
$10.00
$10.00
$0.00
$10.00
Koch Appraisal
2
01/09/2007
Rocker
Washer I dryer - older - no value
Crocks
Tabfe saw
Pile of wood parts
Chest of drawers
Clamps
Power hand tools
Miscellaneous parts
Tools
Swings
Simplicity riding mower, 42" cut - 10 yrs old - as is
ITEMS AT OTHER LOCATIONS
1997 Ford 150 -19.000 miles - excellent condition
Simplicity snow blower - 10 yrs old
Stihl weedeater
Recliner -like new (donated)
Westerfield 20 gauge double barrel
Fulton 20 gauge single barrel
Shotgun. rabbit hammer - muzzleloader
Remington 12 A.22 caliber pump
Remington .22 caliber pump
Pistols (3) - as is - parts - rusted
Glaaaware . pressed & pattern
China - Nippon
Collection of carnival glass
Collection of silver plate items
Cake plates
Compotes
Stemware
Roseville vase
Dog - miniature cast iron
Small items - Nippon china
Koch Appraisal
3
Total
$5.00
$0.00
$20.00
$30.00
$20.00
$75.00
$10.00
$20.00
$10.00
$50.00
$50.00
$150.00
$7,850.00
$100.00
$25.00
$125.00
$85.00
$45.00
$115.00
$85.00
$75.00
$30.00
$30.00
$20.00
$125.00
$40.00
$30.00
$30.00
$15.00
$45.00
$10.00
$30.00
$13.500.00
~_.
William G. Rowe
---k
01/09/2007
JOHN K. BIXLER, JR. ESTATE
d/o/d - JANUARY 16, 2007
Appraisal by:
Harry E. Donson
CARLISLE COIN SHOP
25 Circle Drive
Carlisle, PA 17013
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CARLISLE COIN SHOP
25 Circle Drive
Carlisle, PA 17013
JOHN K. BIXLER, JR. ESTATE
d/o/d - JANUARY 16, 2007
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d/o/d - JANUARY 16, 2007
Appraisal by:
Harry E. Danson
CAR~ISLE COIN SHOP
25 Circle Drive
Carlisle, PA 17013
243-8943
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TRUST
February 8, 2007
Irwin & McKnight
Law Offices
60 West Pomfret Street
Carlisle, PA 17013-3222
RE: John K. Bixler
Mr. Irwin:
In reference to the above customer, our records show the attached information to be
accurate as of January 16, 2007.
If I may be of any further assistance, please contact me.
Sincerely,
1:hr~ ~L
. Stacey ~nger (
Data Operations Manager
~~(S~UW[~
. ,-:0 - 9 200l
iR\VC'\[ & ~/1cKNIG}rr
717-264-6116 888-264-6116 P.O. Box 6010 Chambersburg, PA 17201-6010
FIN A N C I A L SOL UTI 0 N S... FRO M P EO P LEY 0 U K NOW
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Pm M&rBank
499 Mitchell Road. M illsboro. DE J 9966 Mall Code DE-MB-12
Phone (888) 502-4349
Fax (302) 934-2955
February 28. 2007
Law Offices
Irwin & McKnight
West Pomfret Professional Building
60 West Pomfret Street
Carlisle, Pennsylvania 17013-3222
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l?e: Estate of' John K Bi.xler Jr
Social Security: 207-22-1576
Date of Death: Januarv 16. 2007
& I:,r..~:<_>;rGHT
Dear Sir or Madam:
Per your inquiry dated February 24, 2007, please be advised that at the time of death, the above-named decedent had on
deposit with this bank the following:
1.
Type of Account
Checking Account
Account Number
403555
Ownership (Names of)
John K Bixler Jr *
Opening Date
09/01/67
Balance on Date of Death
$4,198.79
Accrued Interest
$
0.55
Total
$4,/99.34
..
.t..
Tyj.i\:~ oJr~4Ci.:Vi.ijlt
Saviiif;S ACCClml
Account Number
523322774
Ownership (Names of)
E Jean Bitler *
John K Bixler *
Opening Date
091]6197
Balance on Date of Death
$5,923.66
Accrued Interest
$ 0.00
Total
$5,923. 66
3. Type of Account Certificate of Deposit
Account Number 031003908144246
Ownership (Names of) John K Bixler Jr *
Opening Date 03/14/05
Balance on Date of Death $25,299.84
Accrued Interest $ 1,090.04
Total $26,389.88
4. Type of Account Certificate of Deposit
Account Number 031003912517512
Ownership (Names of) John K Bixler Jr *
Opening Date 09/18/06
Balance on Date of Death $25,321.14
Accrued Interest $ 103.21
Total $25,424.35
Please be advised, there was no safe deposit box fOlmd for the above decedent.
* fl'or further account information, regarding ownership, ciosures andior reimbursem~nt uf funds, ~ic., plt:ast: caD
the Boiling Springs Office # 717-241-7790.
Sincerely,
~t~ t2:::r-
Nancy Clagett
Records Management
Sovereign Bank
ESTATE OF
SOCIAL SECURITY #:
DATE OF DEATH:
John K. Bixler
207-22-1576
January 16,2007
Account #: 1671023315 Type: Checking
In the name of: John K Bixler Jr
Date of Death Balance: Account closed prior to death
Int.(YTD) from to
Accrued interest to date of death:
Other Info: Account closed on 07/1 0/06 for $415.91.
Open date: 10/7/2004
Account #: 1671074459 Type:
In the name of: John K Bixler Jr
Date of Death Balance:
Int.(YTD) from 1/1 /2007 to
Accrued interest to date of death:
Other Info:
Checking
Open date: 8/2/2005
$201.33
1/16/2007
$0.01
$0.00
Account #: .1674060785 Type:
In the name of: John K Bixler Jr
Date of Death Balance:
Int.(YTD) from 1/1/2007 to
Accrued interest to date of death:
Other Info:
MM Savings
Open date: 3/1/2006
$0.36
1/16/2007
$0.00
$0.00
Account #: 1675539736 Type:
In the name of: John. K Bixler Jr
Date of Death Balance:
Int.(YTD) from 1/1/2007 to
Accrued interest to date of death:
Other Info:
CD
Open date: 8/2/2005
$80,714.32
1/16/2007
$170.00
$350.20
Page 1 of 1
imt
\/(;\nnuity Insurance C:Jmpany
['.1). Hllx,; I
\ ll1aril Ill. fexa, 79!05-0X;!
,1)().-C4.4L1<JO
~i(S~~W~~
'c.B 24 2007
February 16,2007
Roger Irwin, Attorney at Law
60 W. Pomfret St, West Pomfret Prof. Bldg
Carlisle, P A 17013-3222
! D\,VI '-_: ,ii" 1\;1,- l."'NfOHT
". L '\. 1 1 ...... '" ~ ......... '-'.4 -..... ..
RE: AIG Annuity Insurance Company
Policy Number: FJ228611
Deceased: John Bixler
Dear Roger Irwin:
The Internal Revenue Service requires reporting of all death benefits for federal estate tax purposes. Fonn
712 is prepared for regular life insurance contracts only. Since this contract was an annuity, the F onn 712 is
not applicable.
Listed below is the death benefit infonnation for the above-referenced annuity contact.
Type of Annuity Contract:
Date of Issue:
Contract Owner's Name(s):
Cash Value as of Date of Death on 01/16/2007
Total Payment for Death Benefit on 01/16/2007
Proceeds made payable to:
Non Qualified Tax Deferred Annutiy
06/02/2002
John Bixler Jr.
$30,084.36
$30,084.36
Jean Bixler
If ou have any questions please contact our customer service representatives, at 1-800-424-4990. We
lappr iate this opportunity to serve you.
.I
:, Since ely,
\~O!."
JUlialne Gallo
AIG ~nnuity nsurance Company
,-\/(; ,\I/IWify Ill.wrullu: Company
.\-klll/wr (I/.-\merh-tllI Il/lt'r/lllrional Group. 1f1e.
~ QS62
GPA Choice Annuity
Quarterly Statement
~ORLD~DESPONSOR
Issued by John Hancock Life Insurance Company
For the period of January 1 - March 30. 2007
Prepared For:
Your Financial Representative:
A. B James
Waypoint Insurance Services, I
101 South George Street
York, PA 17401
REF 1415 CQ-1-4
JOHN K. BIXLER
545 PARK DR.
BOILING SPRINGS PA 17007--
John Hancock Contact Information:
Telephone: 800-824-0335
www.johnhancockannuities.com
GPA Choice Quarterly Activitv Summary
Year to Date
Value on December 29, 2006 $52,375.57
Total Premiums $0.00
Total Withdrawals $2,166.54
Earnings $512.69
(value on March 30,2007 $50,721.721
Death Benefit Value as of March 30, 2007:
$50,384.52
$11,336.46
Your Account Information
Contract Number: GP07287266
Owner(s): John K. Bixler
Annuitant(s): John K. Bixler
Plan Type: Non-Qualified
Issue Date: 01/28/2002
-
-
-
Since Issue
$50,721.72
Included Features and Optional Riders Selected
· CARESolutions
-
-
-
-
-
-
-
-
-
-
-
-
-
Important Information
Please carefully review any transactions that are reported on this statement to ensure that all instructions were acted on
properly. It is important that any errors or omissions relating to transactions, Riders and Special Programs, if applicable, be
communicated to John Hancock within 60 days of the requested transaction effective date.
Annuities are: Not FDIC Insured, Not Bank Guaranteed, Not a deposit, Not insured by any Federal Government Agency and May lose
value.
Your Quarterlv Transaction Detail
Date
Guarantee Period
Transaction
Type
Tax
Year
Renewal
Date
Interest
Rate
Transaction
Amount
Withdrawals
01/27/07 5 Year Fixed
-$2,166.54
-$2,166.54
$0.00
$0.00
Withdrawal Charges
Taxes
John Hancock Life Insurance Company
P.O. Box 55106. Boston MA 02205-5106
Produced on 03/30/2007
Contract # GP07287266
Page 1 of 2
001415-000001f000002-001416-COTHER-01-1-4-002831
/'---/
Hoffman-Roth Funeral Home & Crematory, Inc.
219 North Hanover Street
Carlisle, Pi\. 17013
(717)243-4511
April 13, 2007
John K. Bixler III
31 McAllister Church Rd.
Carlisle, P A 17015
The Funeral Service for John K. Bixler Jr.
14940-13
We sincerely appreciate the confidence you have placed in us and will continue to assist you in every way we can. Please
feel free to contact us if you have any questions in regard to this statement.
THE FOLLOWING IS AN ITEMIZED STATEMENT OF THE SERVICES, FACILITIES, AUTOMOTIVE EQUIPMENT,
AND MERCHANDISE THAT YOU SELECTED WHEN MAKING THE FUNERAL ARRANGEMENTS.
OUR SERVICE:
Traditional Funeral Service Package . . . . . .
FUNERAL HOME SERVICE CHARGES
$3890,00
$3890.00
SELECTED MERCHANDISE:
Provincial Casket. . . . . . . . . . . . . . . . . . . . . .
Monarch Interment Receptacle. . . . . . . . . . . . . . . . . .
THE COST OF OUR SERVICES, EQUIPMENT, AND MERCHANDISE
THATYOUHAVESELECTED . . . . . . . . . . . . .
$2550.00
$990.00
$7430.00
Cash Advances
Opening Grave + Addit'l Sat. +Rock In Grave ($772.13)
Newspaper Obituary Notice-Sentinel .
Clergy Offering . . . . . . .
Certified Copies of Death Certificates.
Flowers. . . . . . . . . .
TOTAL CASH ADVANCES AND SPECIAL CHARGES .
$1622.13
$107.10
$75.00
$48.00
$132.50
$1984.73
Total
Total Cost .
. . . . . . . . . . . . . . . . . . . . . . . . .
$9414.73
History
02/07/2007 Cumberland County V A. . . .
03/16/2007 State Farm Mutual Auto Ins Camp .
$-100.00
$-2500.00
TOTAL AMOUNT DUE. . . .
$6814.73
This statement is net and payable in full within 30 days of receipt.
.--------..----.---.-.--------------...-----.-----.---------...-.-
Please return this portion with your Remittance
$
Amount Enclosed
Service 10 # 14940-13
John K. Bixler Jr.
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