HomeMy WebLinkAbout01-03-08
REV-1500 EX + (6-00)
COMMONWEALTH OF
PENNSYLVANIA
DEPARTMENT OF REVENUE
. DEPT 280601
HARRISBURG, PA 17128-{)601
REV-1500
INHERITANCE TAX RETURN
RESIDENT DECEDENT
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DECEDENTS NAME (LAST. FIRST. AND MIDDLE INITIAL)
OSWALT VINCENT
DATE OF DEATH (MM-DD-Year)
WAYNE
DATE OF BIRTH (MM-DD-Year)
OFFICIAL USE ONLY
FILE NUMBER
21 -0 7 0 1 0 69
""'COuii'TYCOoE -YEAR- - - 'Nu'MBeR- -
SOCIAL SECURITY NUMBER
1 64- 4 4 - 4 2 7 5
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
SOCIAL SECURITY NUMBER
o 3. Remainder Retum (date 01 death prior III 12.13-82)
o 5. Federal Estate Tax Retum Required
_ 8. Total Number of Safe Deposit Boxes
o 11. Election to tax under See. 9113(A) (Attach Sch 0)
!.,MSSECTlON MUS"rSE COMPLEtED. AI..L.. CORRESPONDENCE AND CONFIDENTlAI.T'AXINFORMAl'ION SHOUI..DBEDIREdED"rO:
NAME COMPLETE MAILING ADDRESS
MATTHEW A. McKNIGHT 60 WEST POMFRET STREET
FIRM NAME (If Applicable)
IRWIN & McKNIGHT
TELEPHONE NUMBER
717 249-2353 CARLISLE PA 17013
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17,479.54 X _(15) 0.00
17,479.55 X .045 (16) 786.58
0.00 X .12 (17) 0.00
0.00 X .15 (18) 0.00
(19) 786.58
10/22/2007 06/18/1952
(IF APPUCABLEj SURVIVING SPOUSE'S NAME (LAST, FIRST, AND MIDDLE INITIAL)
lRl1. Original Retum
o 4. Limited Estate
o 6. Decedent Died Testate (AttachcopyotWilI)
o 9. Litigation Proceeds Received
o 2. Supplemental Retum
o 4a. Future Interest Compromise (date 01 death alter 12-12-82)
o 7. Decedent Maintained a Living Trust (Attach copy otTrust)
o 10. Spousal Poverty Credit (date 01 death between 12-31-91 and 1-1-95)
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1. Real Estate (Schedule A)
2. Stocks and Bonds (Schedule B)
3. Closely Held Corporation, Partnership or Sole-Proprietorship
4. Mortgages & Notes Receivable (Schedule D)
5. Cash, Bank Deposits & Miscellaneous Personal Property
(Schedule E)
6. Jointly Owned Property (Schedule F)
o Separate Billing Requested
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property
(Schedule G or L)
8. Total Gross Assets (total Lines 1-7)
9. Funeral Expenses & Administrative Costs (Schedule H)
10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I)
11. Total Deductions (total Lines 9 & 10)
12. Net Value of Estate (Line 8 minus Line 11)
13. Charitable and Govemmental Bequests/See 9113 Trusts for which an election to tax has not been
made (Schedule J)
(1)
(2)
(3)
(4)
(5)
(6)
(7)
(9)
(10)
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)
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. D
CHECK HERE IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT
I
> > BE SURE TO ANSWER ALL QUESTIONS ON REVERSE SIDE AND RECHECK MATH < <
235,000.00
OFFICIAL USE ONLY
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(8)
235,575.34
36,169.99
164,446.26
(11)
(12)
(13)
200,616.25
34,959.09
(14)
34,959.09
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REV-1502 EX + (6-98)
'*
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
.RESIDENT DECEDENT
ESTATE OF FILE NUMBER
OSWALT VINCENT WAYNE 21 07 01069
All real property owned solely or as a tenant in common must be reported at fair market value. Fair mar1<et 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 Drooertv which is iointlv.owned with riaht of survivorshiD must be disclosed on Schedule F.
SCHEDULE A
REAL ESTATE
ITEM
NUMBER
1.
DESCRIPTION
250 BERNHEISEL BRIDGE ROAD, CARLISLE, PENNSYLVANIA
APPRAISAL ATTACHED
VALUE AT DATE
OF DEATH
235,000.00
TOTAL (Also enter on line 1, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
235.000.00
REV-15G8 EX + (6-98)
*'
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
OSWALT VINCENT
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
FILE NUMBER
WAYNE 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.
01069
ITEM
NUMBER
1.
GF EMPLOYEES CREDIT UNION
DESCRIPTION
VALUE AT DATE
OF DEATH
575.34
TOTAL (Also enter on line 5, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
575.34
REV-1510 EX + (6-98)
*'
SCHEDULE G
INTER.VIVOS TRANSFERS &
MISC. NON.PROBA TE PROPERTY
COMMONWEAL'TH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
OSWALT VINCENT
WAYNE
This schedule must be completed and filed if the answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes.
FILE NUMBER
21 07
01069
DESCRIPTION OF PROPERTY
ITEM INCLUDE THE NAllE OF THE TRANSFEREE, THEIR RELATIONSHIP TO DECEDENT AND DATE OF DEATH % OF DECO'S EXCLUSION TAXABLE
NUMBER THE DATE OF TRANSFER ATTACH A COPY OF THE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST VALUE
(IF APPliCABLE)
1. GANNETT FLEMING 154,929.41 100. 154,929.41 0.00
401 (k)
BENEFICIARY - ELLEN OSWALT
NON-TAXABLE
DECEDENT 55 YEARS OF AGE
TOTAL (Also enteron line 7 Recapitulation) $ 0.00
(If more space is needed. insert additional sheets of the same size)
REV-1511 EX + (12-99)
*'
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
OSWALT
ITEM
NUMBER
A.
1.
B.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
FILE NUMBER
VINCENT
WAYNE
21
07
Debts of decedent must be reported on Schedule I.
DESCRIPTION
FUNERAL EXPENSES:
MYERS FUNERAL HOME
ADMINISTRATIVE COSTS:
Personal Representative's Commissions
Name of Personal Representative(s) ELLEN M. OSWALT
Social Security Number(s)/EIN Number of Personal Representative(s) 233983034
Street Address 250 BERNHEISEL BRIDGE ROAD
City CARLISLE State PA Zip 17013
Yea~s) Commission Paid:
Attorney Fees IRWIN & McKNIGHT
Family Exemption: (If decedenfs address is not the same as claimanfs, attach explanation)
Claimant ELLEN M. OSWALT
Street Address 250 BERNHEISEL BRIDGE ROAD
City CARLISLE State PA
Zip 17013
Relationship of Claimant to Decedent
Probate Fees
Accountanfs Fees
Tax Retum Preparer's Fees PATRICIA A. ROSENDALE, CPA
REGISTER OF WILLS - FILING FEE
CUMBERLAND LAW JOURNAL - ESTATE NOTICE
THE SENTINEL - ESTATE NOTICE
S.W. BARRETT REAL ESTATE - APPRAISAL ON REAL ESTATE
RECORDER OF DEEDS - FILING FEE
TOTAL (Also enter on line 9, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
01069
AMOUNT
10,659.43
10,000.00
10,800.00
3,500.00
225.00
350.00
30.00
75.00
166.06
325.00
39.50
36169.99
REV-1512 EX + (6-98)
* SCHEDULE.
DEBTS OF DECEDENT,
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN MORTGAGE LIABILITIES, & LIENS
. RESIDENT DECEDENT
ESTATE OF FILE NUMBER
OSWALT VINCENT WAYNE 21 07 01069
Include unreimbursed medical expenses.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1. DCM SERVICES, LLC - SEARS CREDIT CARD 1,513.63
2. LOWE'S - CREDIT CARD 186.99
3. KOHL'S - CREDIT CARD 920.29
4. CITI MORTGAGE - OUTSTANDING MORTGAGE 152,724.45
MORTGAGE IN DECEDENT'S NAME ONL Y
5. M&T BANK - OUTSTANDING MORTGAGE 4,352.29
MORTGAGE IN DECEDENT'S NAME ONLY
6. CITI MORTGAGE - MORTGAGE PAYMENTS 4,008.27
7. M&T BANK - MORTGAGE PAYMENTS 728.34
8. OHIO DISTINCTIVE SOLUTIONS 12.00
TOTAL (Also enter on line 10, Recapitulation) $ 164 446.26
(If more space is needed, insert additional sheets of the same size)
"".,,,, "'. ".
COMMONWEAL TI-i OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
SCHEDULE J
BENEFICIARIES
FILE NUMBER
1 ~.'.'\.I"I- 21 07 010f\Q
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE
I. TAXABLE DISTRIBUTIONS ~nclude oU~ht spousal distributions, and transfers under
Sec. 9116 (a (1.2)]
1. ELLEN M. OSWALT Spousal 17,479.54
250 BERNHEISEL BRIDGE ROAD 1/2 REMAINDER &
CARLISLE, PA 17013 G. FLEMMING 401 (k)
CHILDREN OF VINCENT WAYNE OSWALT
1/2 REMAINDER
2. CHAD DOUGLAS OSWALT Lineal 8,739.77
5238 E. TRINDLE ROAD
MECHANICSBURG, PA 17055
3. JENNIFER L. ROSARIO Lineal 8,739.78
3741 GRANDEWOOD BL.
ORLANDO, FL 32837-7360
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, 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.
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
1.
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)
S. W. Barrett Real Estate & Appraisal Services
File No. 07-0448
APPRAISAL OF
LOCATED AT:
250 Bernheisel Bridge Road
Carlisle, PA 17015-9092
FOR:
Irwin & McKnight
60 West Pomfret Street
Carlisle, PA 17013
BORROWER:
Vincent W. OSWALT Estate
AS OF:
October 22, 2007
BY:
Stan A. Skowronek
Certified Residential Appraiser
S. W. Barrett Real Estate & Appraisal Services
File No. 07-0448
1---
11/20/2007
Irwin & McKnight
60 West Pomfret Street
Carlisle, PA 17013
File Number: 07-0448
I n accordance with your request, I have appraised the real property at:
250 Bernheisel Bridge Road
Carlisle, PA 17015-9092
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 October 22,2007
is:
$235,000
Two Hundred Thirty-Five 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,
,
~G'. ~wr~'<-
,
Stan A. Skowronek
Certified Residential Appraiser
SUMMARY APPRAISAL REPORT
ProDertv DescrlDtlon UNIFORM RESIDENTIAL APPRAISAL REPORT File No. 07-0448
Property Address 250 Bemhelsel Bridae Road City Carlisle State PA Zio Code 17015-9092
LeQal Description Deed Book B-21. page 798 County Cumberland
Assessor's Parcel No. 21-06-0015-006 Tax Year 06/07 R.E. Taxes $ 2564.00 Special Assessments $ N/A
Borrower Vincent W. OSWALT Estate Current Owner Oswalt, Vincent W. Occupant: [xl Owner J Tenant [J Vacant
II Property riQhts appraised rxl Fee Simple ] Leasehold I Proiect Tvoe I I PUD I I Condominium (HUDNA onlv) HOA$ N/A /Mo.
Neighborhood or Project Name Middlesex Township Map Reference 06-0015 Census Tract 0118.03
Sale Price $ N/A Date of Sale N/A Descriotion and $ amount of loan charQes/concessions to be paid bv seller N/A
Lender/Client Irwin & McKniaht Address 60 West Pomfret Street Carlisle PA 17013
Appraiser Stan A. Skowronek Address 124-126 North Hanover St. Carlisle. Pa, 17013
Location W Urban l!J Suburban W Rural Predominant Single family housing Pruent land u.. % Land use change
Built up 0 Over 75% 00 25-75% 0 Under 25% occupancy fi~~1E ~~f One family 70% 0 Not likely 0 Likely
Growth rate 0 Rapid 00 Stable 0 Slow 00 Owner 150 Low New 2-4 family 0% 00 In process
Property values 0 Increasing 00 Stable 0 Declining 0 Tenant 275 Hioh 100 Multi-family 0% To: Residential
Demand/supply 0 Shortage 00 Inbalanoo 0 CNersupply 00 Vacant(G-5%) Predominant", Commercial 0%
Marketino time 0 Under 3 mos. fXj 3.6 mos. 0 Over 6 mos. n Vacant (eNer 5%\ 180 30 Vac \ 30%
Note: Race and the racial composition of the neighborhood are not appraisal factors.
Neighborhood boundaries and characteristics: The subject is bounded on the north by Enola Rd on the east by Bernheisel Bridae Rd on
: the south bv Trindle Rd and on the west by Crossroad School Rd.
· Factors that affect 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 marketability of subiect. Diverse stable employment and all supporting amenities are
.
II within easy driving distance. SMSA 3240
Market conditions in the subject neighborhood (including support for the above conclusions related to the trend of properly values, demand/supply, and marketing time
- - such as data on competitive properties for sale in the neighborhood, description of the prevalence of sales and financing concessions, etc.):
Prooertv sales records and MLS statistics show a steadv. moderate increase in propertY values over the past vear. Averaae
marketina time of 90-120 davs shows a aood balance of supplv and demand. Few sales and financing concessions are
needed in the neighborhood.
. Project Information for PUOs (If applicable) - - Is the 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
Describe common elements and recreational facilities: N/A
Dimensions See legal description Topography Rolling
Site area 7.85 Acres m/I Corner Lot U Yes lXJ No Size Laraer than normal
Specific zoning classification and description Residential/Farm Shape Irreaular
Zoning compliance 00 Legal 0 Legal nonoonforming (Grandfathered use) U IIlegalU No zoning Drainage Appears Adequate
Highest & best use as improved: rXT Present use n Other use (exolain\ View Open country
Utilities Public Other Off-site Improvements Type Public Private Landscaping Average
Electricity 00 Street Macadam 00 0 Driveway Surface Macadam
Gas 0 Curb/gutter None 0 0 Apparent easements None Apparent
Water 0 Well Sidewalk None 0 0 FEMA Special Flood Hazard Area U Yes lXJ No
Sanitary sewer 0 Septic Streetlights None 00 nO FEMA Zone C Map Date 06/15/1981
Storm sewer 0 Alley None FEMA Map No. 420363 0010B
Comments (apparent adverse easements, encroachments, special assessments, slide areas, illegal or legal nonconforming zoning, use, etc.): Private water
and sanitary svstems are common to the area and have no adverse affect upon marketability. There are no aDDarent adverse
easements, encroachments or other adverse conditions.
GENERAL DESCRIPTION EXTERIOR DESCRIPTION
No. of Units 1 Foundation Cone Blk
No. of Stories 1 Exterior Walls Brick
Type (DeUAtt.) Detached Roof Surface CompoShgle
Design (Style) 1 StOry Gutters & Dwnspts. Aluminum
Existing/Proposed Existina Window Type Wood Frame
Age (Yrs.) 47 Storm/Screens YesNes
Effective Age Yrs.) 20-25 Manufactured House No
. ROOMS Fover LivinQ Dinino Kitchen
: Basement
Level 1
. Level2
FOUNDATION
Slab None
CIav.4 SpaQl None
Basement Full
Sump Pump No
Dampness None Obs
Settlement None Obs
Infestation None Obs
Familv Rm. Rec. Rm.
BASEMENT
Area Sq.Ft. 2079
% Finished 0
Ceiling Open Joist
Walls Conc Blk
Floor Concrete
Outside Entry Yes
Bilco
Bedrooms # Baths
INSULATION
Roof
Ceiling *
Walls *
Floor *
None
Unknown
Den
Laundry
1
area
1
1
3
2
1
2,079
.
, Finished area above grade oontains: 6 Rooms; 3 Bedroom s\; 2 Bath(s\; 2,079 Sauare Feet of Gross Livina Area
, INTERIOR Materials/Condition HEATING KITCHEN EQUIP. ATTIC AMENITIES CAR STORAGE:
Floors HrdwdMnvl Type HWBB Refrigerator 0 None 0 Fireplace(s)#L- 00 None 0
. Walls Drywall/Panel Fuel Oil Range/Oven 00 Stairs 0 Patio Concrete 00 Garage 2 # of cars
Trim/Finish Wood ConditionAvg Disposal 0 Drop Stair 0 Deck 0 Attached 2
Bath Floor CerTile COOLING Dishwasher 0 Scuttle 00 Porch Covered 00 Detached
Bath Wainscot Drywall Central Yes Fan/Hood 0 Floor 0 Fence 0 Built-In
Doors Hollow Core Other None Microwave o Heated R Pool R Carport
Averaae Condition ConditionN/A Washer/Dryer n Finished Drivewav 41Mac
Additional features (special energy efficient items, etc.): Front covered porch. Rear patio.
Condition of the improvements, depreciation (physical, functional. and external), repairs needed, quality of construction remodeling/additions, etc.: Improve
ments are in average condition with no functional inadeauacies noted. The master bedroom's bathroom has had the shower
stall removed with exposed wall stUdding in the shower area.
.
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.
Freddie Mac Form 70 6-93
PAGE 1 OF 2
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Fannie Mae Form 1004 6.93
SUMMARY APPRAISAL REPORT
UNIFORM RESIDENTIAL APPRAISAL REPORT
Valuation Section
File No. 07-0448
ESTIMATED SITE VALUE, , , , , , , , , . , , , , , . . , . . . . . . , . . = $ 90.000 Comments on Cost Approach (such as, source of cost estimate,
ESTIMATED REPRODOCTION COST-NEW OF IMPROVEMENTS: site value, square foot calculation and for HUD, VA and FmHA, the
Dwelling Sq. Ft. @ $ = $ 0 estimated remaining economic life of the property):
Sq, Ft. @ $ = 0 Cost Approach deemed a poor indicator of value due to
. = age of the improvements. Estimated Remainina
. GarageJCarport _Sq,Ft. @$ = 0 Econom ic Life - 35-40 vears
.
. Total Estimated Cost Nej , , , , , , '" , , , , , , . = $ 0
Less Physical Functional Extemal Est. Remaining Econ. Life: 30
. Depreciation = $ 0
Depreciated Value of Improvements , . , . . , . . . , , . , , , , , , , = $ 0
"As-is" Value of Site Improvements, , . , . . , , , , , . . , , , , , . = $
INDICATED VALUE BY COST APPROACH, , , . . . . . . . . = $ N/A
ITEM SUBJECT COMPARABLE NO.1 COMPARABLE NO.2 COMPARABLE NO.3
250 Bemheisel Bridge Road 110 Locust Way 355 Hickory Road 138 Fieldstone Drive
Address Carlisle Carlisle Carlisle Carlisle
Proximity to Subiect "i:i/..!:: 2.4 Ml SW 4.5MIS 0.51 Ml WSW
Sales Price $ N/A .1i'~:;;I':i:,ii'I;;';:.;I!(';:;I;.'I;I: $ 221.000 i'A"::I' :U'C:'.. .:::ii:: ,i.: $ 210 500 ,..;,,:..:: : : .;:: '.'; '.. $ 215.000
PriceJGross Liv. !vea $ 0.00 ttl $ 99.91 ItJ .::F U,' $ 97.45 ItJ i $ 115.65 ltJu'.i
Data and/or Inspection MLS MLS MLS
Verification Sources Courthouse Courthouse Courthouse Courthouse
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION I + (.) $ Adjustment DESCRIPTION I + (.) $ Adjustment DESCRIPTION I + (.) $ Adiustment
Sales or Financing I"~~iil.i None,Cash . None,Conv . None,Conv ,
. , ,
y::: ':::,',' :"'j: , . ,
Concessions , , ,
Date of Salemme WA:;: ..:i",,':I:\ 05/18/2007 , 12/27/2006 , 03/14/2007 ,
, I ,
Location Suburban Suburban , Suburban , Suburban ,
LeaseOOIdiFee SirclIe Fee SimDle Fee SimDle , Fee Sim pie , Fee SimDle .
, , ,
Site 7.85 AclAvg .52 Ac/Ava , 29 250 .70 Ac/Ava , 35.750 .36 Ac/Ava , 29,250
I . ,
View Open country Residential , ODen country I Residential ,
,
1 Storv 1 Storv , l' StOry , 1 Story ,
Design and Appeal , , I
I Q..aaity of Cons1rucfun Averaae Averaae , Average , Average ,
, I ,
Age 47 Years 47 Years . 36 Years , 15 Years ,
Averaae Good '-10%) , -22 100 Average , Avg/Gd '-5'At) , -10 750
Condition , , ,
Above Grade Total : Barns I Total I Ba--ms I I Total I B<rms I Baths , Total I Barns I Baths ,
Baths Baths , , I
Room Count 20 6: 3: 2.00 7: 3: 2.50 ' -2,000 8: 4: 2.50 I -2,000 7: 3: 2.00 '
2 079 So.Ft. 2 212 SoH. , -2 660 2.160 So.Ft. , -1.620 1 859 SoH. I 4400
Gross Livino Area I , ,
Basement & Finished Full Bsmt Full Bsmt , Full Bsmt . Full Bsmt ,
, , ,
. . . ,
Rooms Below Grade Unfinished FamRm/Ldv , -5 000 Unfinished I Unfinished ,
,
. Functional Utility Averaae Averaae , Average , Average ,
, , ,
. , HP/CA I HP/CA I
Heating/Cooling HWBB/CA FHAlCA I , ,
. Enerov Efficient Items TVDical TVDical I TVDical , TVDical ,
Garaoe/Carport 2 Car Garaae 2 Car lnta G I 2,500 2 Car Garage I 2 Car Garaae I
, I I
Porch, Patio, Deck, Porch/Patio Porch/Patio , Patio I 5,000 Porch/Patio I
I I I
I I .
FireDlace(s), etc, 1 FireDlace 1 FireDlace I 1 Fireplace : 1 Fireplace I
Fence, Pool, etc. None None I None , None ,
I , I
, , I
~: , , I
Net Adj. (total) 10.' 37 130 IXI + I 1- '$ 22.900
Adjusted Sales Price 1~1 ~it~:j~r.7'k
of Comparable 220,9907'.&': $ 247 630 Ne 0.7% $ 237.900
Comments on Sales Comparison (including the subject property's compatibility to the neighborhood, etc. ): Opinion of value ranae is $221.000 to
$248.000. SurDlus acreaae adiustments are made at $5 OOO/acre. however since com Darable #'s 1 & 3 are on Dublic water and
sewer two acres of the subiect are considered a counter balance the comDarable lots leavina 5.85 acres t.fQ $5.000/acre.
Comparable #4 is included as the onlv suitable one story with acreaae althouah the farthest from the subiect and is included
as addition SUDDOrt for the oDinion of value.
ITEM SUBJECT COMPARABLE NO.1 COMPARABLE NO.2 COMPARABLE NO.3
Date. Price and Data 07/24/1996 08/31/1990 09/26/1979 12/31/1991
SOIJ'OB for prior sales $183,000 $119,500 $95,000 $1.00
within year of appraisal Courthouse Courthouse Courthouse Courthouse
Analysis of any current agreement of sale, option, or listing of the subject property and analysis of any prior sales of subject and comparables within one year of the date of appraisal:
No prior transfers of the subject within the past 36 months and no Drior transfers of the comDarables within 12 months of
their sale date.
INDICATED VALUE BY SALES COMPARISON APPROACH. . , , . . . . , , . . , , . . . . , . . , , , . , . . . . . , , . . , . . . , . . . , . . . . . . . . . $ 235 000
. INDICATED VALUE BY INCOME APPROACH (If Aoolicable\ Estimated Market Rent $ N/A Mo. x Gross Rent Multiplier N/A = $ N/A
This appraisal is made 00 "as is" U subject to the repars, a~eralions, inspections or oonditionslisted below 0 subject to completion per plans and specifications.
CondilionsofAppraisal: The DrODertv has been aDDraised in current condition. This is for the clients use on Iv.
Final Reconciliation: The Market Data Analvsis SUDDOrts mv oDinion of value for the subiect. The Cost ADDroach was not deemed
an aDDroDriate indicator of value due to the aae of the subject and therefore was not included herein. The Income ADDroach
. was also deemed inaDDroDriate for this analvsis.
The purpose of this appraisal is to estimate the market value of the real property that is the subject of this report, based on the above conditions and the certification. contingent
and limiting conditions. and market value definition that are stated in the attached Freddie Mac Form 439/Fannie Mae Form 1004B (Revised 6/93 ).
I (WE) ESTIMATE THE MARKET VALUE, AS DEFINED. OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT, AS OF 10/22/2007
· (WHICH IS THE DATE. OF INSPECTION AND THE El'FE:~TE OF THIS REPORT) TO BE' _ .235,OOO~ ..
. APPRAISEIQ-~" _~. ~ "::'::::.~ ,. SUPERVI~RY AP~~"(O Y IF RE-S:U'~ED): ODid ooDid Not
Sionature"'--- .M ()'-'LJ( , Signature'" . -' ---- f
Name Stan A. Skowronek Name Steven W. Barrett, SRPA, SRA Inspect Property
Date Report Signed 11/20/2007 Date ReDort Sianed 11/20/2007
State Certification # RL001572L State PA State Certification # GAOO0298L State PA
Or State License # State Or State License # RB026921A State PA
Freddie Mac Form 70 6-93 Cenlfied ReSidential PAGE 2 OF 2 cenifled General AI raIser Fannie Mae Form 1004 6-93
pp
Appraiser
Produced using ACI software, 800.234.8121 www.aciweb.com
S.W. Barrett Real Estate & Appraisal Services
SUDD/emental ValuatIon SectIon FileNo.
ITEM SUBJECT COMPARABLE NO.4 COMPARABLE NO.5 COMPARABLE NO.6
250 Bernheisel Bridge Road 1&9 Limekiln Road
Address Carlisle Carlisle
Proximilv to Subiect 11.1 MI WSW
Sales Price $ N/A rr' "":'I: $ 245.000 'r'::r~$ I, r;:rrf: ',",rl.,,';r $
PricelGross Liv. /!>lea $ 0.00 It! $ 102.08 1t!1;"f'T $ It! $ It!>T~:'H;rr,,;r "
Data and/or Inspection MLS
Verification Sources Courthouse Courthouse
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION I + (-) S Adiustment DESCRIPTION I + (-) S Adiustment DESCRIPTION I + (-) S Adjustment
Sales or Financing N/A None,Conv , , I
I 0 I
Concessions , 0 I
I , ,
Date of SalelTime N/A;,:,:", r 08/20/2007 , 0 ,
, , ,
Location Suburban Suburban 0 , ,
LeasehokLfee SimIe Fee SimDle Fee SimDle , , ,
0 , ,
Site 7.85 AcJAva 5.58 Ac/Ava , 11 350 , ,
, 0 ,
View ODen countrY ODen countrY , , ,
Desicn and Aooeal 1 StorY 1 StorY , , ,
0 , ,
OJailv of Constnxfun Averaae Averaae 0 , ,
, , ,
Ace 47 Years 2 Years 0 -5 000 , ,
Condition Averaae Good (.10%\ , .24 500 0 0
, 0 0
Above Grade Total I B<lTns I Baths Total 0 Blims 0 Baths , Total ' Bltms ' Baths 0 Total' Bltms ' Baths 0
, 0 0
Room Count &: 3: 2.00 9: 4: 2.00' , , , , , ,
, , 0 ,
Gross Livino /!>lea 2 079 Sa.Ft. 2 400 So.Ft. 0 -&.420 So.F!. , Sa.Ft. ,
0 , ,
· Basement & Rnished Full Bsmt Crawl Space 0 5,000 , ,
, , ,
Unfinished , , ,
. Rooms Below Grade , : ,
. Functional Utililv Average Averaae , 0 0
, 0 ,
. Heatina/Coolino HWBB/CA EBB/None , 4.000 0 ,
, 0 ,
Enerav Eflicient Items TVDical TVDical , , ,
Garaae/Caroort 2 Car Garage 3 Car Garaae , -5.000 , 0
, , ,
Porch, Patio, Deck, Porch/Patio Patio , 5,000 , ,
, , 0
Fireolace(s), etc. 1 FireDlace 1 FireDlace , 0 ,
, 0 0
Fence, Pool, etc. None None 0 0 ,
0 , ,
, , ,
, 0 ,
Net Adi. (total) '~X-'$ 15.570 fx + r 1. 0$ 0 Ixl + I 1- ~$ 0
Adjusted Sales Price , r 'j>"'; '~',;,!'!J 'fl,)"'; Gr()S~:O.O%
of Comoarable I' 'I~ ~""r 229.430 $ o Net' 0.0% ' $ 0
" $
Comments on Sales Comparison (including the subject property's compatibility to the neighborhood, etc. ):
ITEM SUBJECT COMPARABLE NO.4 COMPARABLE NO.5 COMPARABLE NO.6
Date, Price and Data 07/24/1996 07/11/1995
Source for prior sales $183,000 $49,000
within vear of aODl'aisal Courthouse Courthouse
Analysis of any current agreement of sale, option, or listing of the subject property and analysis of any prior sales of subject and oornparables within one yeal of the date of appraisal:
~
~
.
.
SUMMARY APPRAISAL REPORT
UNIFORM RESIDENTIAL APPRAISAL REPORT
07-0448
Produced using ACl soh..a, 800234.8727 wwweciweb.eom
FLOORPLAN
Borrower: Vincent.W. OSWALT Estate
Property Address: 250 Bernheisel Bridge Road
City: Carlisle
lender: Irwin & McKni ht
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State: PA
Living
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Den
Kitchen
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Sketch by Apex IV Windows ™
Bedroom
File No.: 07-0448
Case No.:
Zip: 17015-9092
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III
Bedroom
AREA CALCULATIONS SUMMARY LIVING AREA BREAKDOWN
Code Description SI;ze Totals Breakdown Subtotals
GLA1 First Floor 2079.00 2079.00 First Floor
pip Covered Porch 300.00 6.0 x 81.0 486.00
Concrete Patio 144.00 444.00 27.0 x 59.0 1593.00
GAR Two Car Garage 594.00 594.00
TOTAL LIVABLE
(rounded)
2079
2 Areas Total (rounded)
2079
_I
Borrower: Vincent W. OSWALT Estate
Prbperty Address: 250 Bernheisel Bridge Road
Cit'LgCll'lisle _
Lender: Irwin & McKni ht
SUBJECT PROPERTY PHOTO ADDENDUM
File No.: 07-0448
Case No.:
State: PA
__lip:_17013
FRONT VIEW OF
SUBJECT PROPERTY
Appraised Date: October 22, 2007
Appraised Value: $
REAR VIEW OF
SUBJECT PROPERTY
STREET SCENE
Borrower: Vincent W. OSWAl TEstate
Property Address: 250 Bernheisel Bridge Road
Cit:L~Clrlisle
Lender: Irwin & McKni ht
COMPARABLE PROPERTY PHOTO ADDENDUM
File No.: 07-0448
Case No.:
State: PA
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Zip: 1,!015-9092_
COMPARABLE SALE #1
110 Locust Way
Carlisle
Sale Date: 05/18/2007
Sale Price: $ 221,000
COMPARABLE SALE #2
355 Hickory Road
Carlisle
Sale Date: 12/27/2006
Sale Price: $ 210,500
COMPARABLE SALE #3
138 Fieldstone Drive
Carlisle
Sale Date: 03/14/2007
Sale Price: $ 215,000
Borrower: Vincent W. OSWALT Estate
Property Address: 250 Bernheisel Bridge Road
City: Carlisle
Lender: Irwin & McKni ht
COMPARABLE PROPERTY PHOTO ADDENDUM
File No.: 07-0448
Case No.:
State: PA
Zip: 17015-9092
COMPARABLE SALE #4
169 Limekiln Road
Carlisle
Sale Date: 08/20/2007
Sale Price: $ 245,000
COMPARABLE SALE #5
Sale Date:
Sale Price: $
COMPARABLE SALE #6
Sale Date:
Sale Price: $
File No. 07-0448
DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market
under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not
affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from
seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised,
and each acting in what he 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, 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 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 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 alterations 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 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;
except that 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 written consent. The appraiser's written consent and 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.
Freddie Mac Form 439 6-93
Page 1 of 2 .
Fannie Mae Form 1004B 6-93
File No. 07-0448
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
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 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 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 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 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,
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 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 time noted in the neighborhood section of this report, unless I have otherwise stated 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 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 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, 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
full responsibility for the appraisal and the appraisal report.
ADDRESS OF PROPERTY APPRAISED: 250 Bernheisel Bridge Road, Carlisle. PA 17015-9092
APPRAISER:
SUPERVISORY APPRAISER (only if required)
Signature: <:"'~::;-\~ Q, ~~ u.) r~ ~.
Name: Stan A. Skowronek
Date Signed: 11/20/2007
State Certification #: RL001572L
or State License #:
State: PA
Expiration Date of Certification or License: June 30, 2009
Signature:
Name: Steven W. Barrett. SRPA. SRA
Date Signed: 11/20/2007
State Certification #: GA000298L
or State License #: RB026921A
State: PA
Expiration Date of Certification or License: June 30, 2009
o Did 00 Did Not Inspect Property
Certified Residential Appraiser
Freddie Mac Form 439 6-93
Certified General Appraiser
Page 2 of 2
Fannie Mae Form 1004B 6-93
LOCATION MAP
Borrower: Vincent W. OSWALT Estate
Property Address: 250 Bernheisel Bridge Road
gk~~!!i~le~~u_~ n___ ________~
Lender: I in & McKni ht
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File No.: 07-0448
Case No.:
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Prepared bV: Steven VI.!. BerrettR.E. .A,ppr Svc, (7"17)243-664f
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File No. 07-0448
********* 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 ~ales, 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
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_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.
_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.
_x_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.
I
_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.
_x_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 com parables used are the best available.
_xx15. 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.
_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.
_17. One or more com parables 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 com parables used are located in similar neighborhoods and within the same
marketing area. All com parables 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.
~.
File No. 07-0448
********* QUALlFICA liONS *********
_24. The subject property is located on a private road.
_25. Wood infestation inspection is suggested.
_x_26. Last recorded deed transfer: Date_07/24/1996_, Consideration: $_183,000_.
_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_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. 07-0448
********* QUALIFICATIONS *********
Confidentiality and Security Policy
We consider 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 we share 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 confientiality.
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
I
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.
ft
GF EMPLOYEES CREDIT UHIO"
P.O. BOX 67100
Harrisburg, PA 17106-7100
Phone: 717-763-7211 Ext. 2469
gfecu@gfnet.com
November 29, 2007
~~~iUW~~
" 30 2007
IRWIN & McKNIGHT
West Pomfret Professional Bldg
60 West Pomfret St
Carlisle, PA 17013
IR ': \ i;ll iV1Cl<..1'IIGHT
Gentlemen:
We are in receipt of your request concerning information on a credit union savings
account Vincent Oswalt had with us. The account was opened August 1996, there have been no
changes made to the account by Mr. Oswalt since that time. Originally Elsie Oswalt was named
as joint owner, but Ellen May Oswalt provided us with a copy of a divorce decree wherein all
rights of Elsie Oswalt were released. Attached is a copy of Mr. Oswalt's credit union statement
with us covering the period from January 2007 through November 2007. Ellen May Oswalt
closed the account on November 16, 2007. We issued her a check in the amount of $576.13
which represents the balance in the account including interest as of November 16,2007.
If we can be of further help please let us know.
Very truly yours,
G. F EMPL. OYK!.. ..' S C RED IT UNION
~ /....... J~
" :-'/1 ,1,',1 .' ;1
, I/u", I' l"'" . ."
.' I()IV"'"'" / 'L~~,i'L-
-'Marie ChajkO~ I
Office Manager
Cc: file
Attachment
$i#zce 1978
Yn the ~ 01-
{}ruuwit q~ Il~, JftC.
GF Employees Credit Union
Monthly Statement for the Period 1/1/2007 through 11/28/2007
Name: VINCENT W OSWALT
250 BERNHEISEL BRIDGE RD
CARLISLE, PA 17013
Employee #: 04540
Company #:
Org Code:
Member #: 1725
Date: 11/28/2007
Transaction
Date Description
Savings
Share
04/20/2007
05/04/2007
06/01/2007
06/29/2007
06/2912007
07/13/2007
08/10/2007
08/24/2007
09/07/2007
09/28/2007
10/19/2007
11/1612007
11/16/2007
Reference
Total Transactions: ($549.30)
PRO 1122007
PR01262oo7
PR02092007
PR02232007
PR03092007
PR03232007
Dividend
PR04062007
PR04202007
ck#5026
PR05042007
PR05182007
PR06012007
PR06152007
PR06292007
Dividend
PR07132007
PR07272007
PR081 02007
PR08242007
PR09072007
PR09212oo7
Dividend
PR10052007
PR 10192007
Dividend
ck# 6118 - account
closed
Transaction
Amount
Ending Balance:
$20.00
$20.00
$20.00
$20.00
$20.00
$20.00
$2.25
$20.00
$20.00
<uoo.OO)
$20.00
$20,00
$20.00
$20.00
$20.00
$1.83
$20.00
$20.00
$20.00
. $20.00
$20.00
$20.00
$1.96
$20.00
$20.00
$0.79
($576.13)
Loan Interest
Paid
$0.00
*****Not transferable except on the books of the credit union*****
Previous Balance: $549.30
01/12/2007 Fixed Payroll to Share
0112612007 Fixed P~yroll to Share
02/09/2007 Fixed Payroll to Share
02/2312007 Fixed Payroll to Share
03/09/2007 Fixed Payroll to Share
0312312007 Fixedgayrolf to Share
03/30/2007 Dividend on Share/SuperSaver Balance
Fixed Payroll tp $hare
Fixed Payroll to Share
WithdraWal from Share Balallce
Fixed Payroll to Share
Fixed Payroll to Share
Fixed Payroll to Share
to Share
Fixed Payroll to Share
Dividend on. Sl'Ian~fSuperSa~ Balance
Fixed Payroll to Share
Fixed Payroll. to Share .....
Fixed Payroll to Share
Fixed Payroll to Share
Fixed Payroll to Share
Fixed Payroll to Share
Dividend on Share/SuperSaver Balance
Fixed Payroll to Share
Fixed Payroll to Share
Dividend on Share/SuperSaver Balance
Withdrawal from Share Balance
GCU101
Wednesday, November 28, 2007
Account
Balance
$569.30
$589.30
$609.30
$629.30
$649.30
$669.30
$671.55
$691.55
$711.55
$311.55
$331.55
$351,55
$371.55
$391.55
$411.55
$413.38
$433.38
$4S:r38
$473.38
$493.38
$513.38
$533.38
$535.34
$555.34
$575.34
$576,13
$0.00
Page 10f1
~ liannett Fleming
GANNETT FLEMING, INC.
P.O. Box 67100
Harrisburg, PA 17106-7100
Location:
207 Senate Avenue
Camp Hill, PA 17011
Office: (717) 763-7211
Fax: (717) 763-8150
www.gannettfleming.com
December 26, 2007
Matthew A. McKnight, Esquire
Irwin & McKnight
West Pomfret Professional Building
60 West Pomfret Street
Carlisle, Pennsylvania 17013-3222
~elaY(~
f3fC 21 2007
RE:
U(WIN &i McKNIGf-rI
Estate of Vincent Wayne Oswalt
Date of Death: October 22, 2007
Dear Mr. McKnight:
In response to your inquiry reo the above referenced estate, please be advised
that Mr. Oswalt's 401(k) account was registered in the name of Vincent W.
Oswalt. His date of participation was May 26,1985.
Mr. Oswalt's account balance on his last statement dated September 30, 2007
was $154,929.41. Prudential should be able to provide you with the date of
death balance. You can contact them at 1-877-778-2100.
On November 19,2007, the entire balance was transferred to a 401(k)
account in our Plan to Ellen M. Oswalt, who was the primary beneficiary. On
November 20,2007, she withdrew $25,000 and 20% was withheld for taxes.
Mrs. Oswalt also elected to begin her survivor Pension Benefit on January 1,
2008. Her monthly amount before taxes or medical deductions will be
$789.65.
If you have any further questions regarding this matter, feel free to contact
me at 717-763-7211, Ext. 2227 or our Plan Administrator, Cathy Paul, at the
same number, Ext. 2473.
Sincerely,
yYZ$~
Barbara R. McLemore
General Counsel
cc: C. Paul
R. Savidge
A Tradition of Excellence
o~!eci',
t .'" %
~..: .
Myers Funeral Home, Inc.
Boyd L. Myers Jr., Supervisor
37 East Main Street
Mechanicsburg, Pennsylvania 17055
(717) 766-3421
Fax (717) 795-7291
A standard of excellence in Central Pennsylvania since 1910
Thursday, November 29, 2007
Ellen May Oswalt
250 Bernheisel Bridge Road
Carlisle, PA 17013
Thank you for selecting our funeral home to provide services for your family during your bereavement. I
hope that you found our services to be of the highest standards and that they met your needs and those
of your family and friends.
The following is a summary of the service charges as previously explained and provided in written form
and herein indicated as PAID-IN-FULL.
Vince Wayne Oswalt
SUMMARY OF EXPENSES
TOTAL OF SERVICE RENDERED
LESS: Credits granted
LESS: Total Payments
CURRENT BALANCE
$12,254.43
1,595.00
10,659.43
$0.00
Credits Granted: $1,595.00 Package Price Discount
If there are any questions or concerns that remain unanswered, please call me.
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LOWE.S
Everyday Low Prices
Guaranteed at Lowe's
Find a lower price and we'll match it
PLUS take an additional 10% oH!
We gUJl'lnt~e our everyday cOl1lpetit~le prices. II you find a IO'her everyday or advertised price on an identical stock It!m al aO'f' local 'etail conpetilor
that has the Rem In stock, we'll OW lhelr p~ce by 10'k "hen you buy from us, Just bring us the competitor's CJrrenl ad, or we'l call 10 verit/lhe ~em's
price that you h,ve foun~. Cash/charge cald and carri purchms only. Competitor's closeout, special order, discontinued, clearanca, liqLldatlon and
damaged items are excluded from this offer, On percent off sales, we will malch the cornpelitor's per:ent off offer, limited tJ reasonable quantities l:lr
hOllllllll'lner and one-houSll order quant"les lor cash and carry con1ra~lor6, Currenl in-slore price, ~ lower, overrides lowe's advertised price. Prka
gU81antee hcnored at all Lowe's relaillocalions, labor :harges lor product installation ara elcluded fr3m our p'ice guarantee off~r in our stores liilh an
Inslalled Sales f'rogram. Visit store lor complete details,
/ '
/E"ER"VU~Y"
: LOW \
\ PRICES ,I
,GUARANlEEO/\i
Lowe's Account Statement
Account Number: 819 2339 003274 8
Account Holder: VINCENT W OSWALT
Billing Date: 11/10/07 Payment Due Date: 12/05/07
aAtANCel$~ MM.ARy],::1
Plan
1nL
REG
...........-.........................-...'.......
...........,....................................
..................._....._h....._.'.......'.'...
........................-...........'..
................-.....-...,.....
...........-.....,.-.......
....................,........
...........-.......,.....
....,....................
..............
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.... ............... ....-..-..........,..........,....
.....................-.......,.................
.................-.......,.,..............
.......-.,...............-.
................,.......
PrevIous
Balance
$0.00
Payments +/- FINANCE
. Credits CHARGE (net\
$0.00 $0,00
+ +/- Debt Cancellation,
Purchases Insurance. Adlustments
$186.99 $0,00
New
Balance
$186.99
MInImum
pavment
$15.00
=
.,.........-................
...................-.'.....
.......-.......-.............
.......-...-............
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.......,.........-.-.-.'.....'.
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::IRA~~A~ltQ"$QMMABy:::.::u:
Tran Data Invoice Number
10127 02199
Amount
$186.99
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DescrIDtlon
STORE 2223 MECHANICSBURGPA
WEA THERSmlP SOFT GOODS - THERMWELL
WEATHERSmIPSOFTGOODS- THERMWELL
TOOLS - STAPLERS & STAPLES
TOOLS - STAPLERS & STAPLES
WEA THERSTRIP SOFT GOODS - THERMWELL
POL YETHYLENE-CONSmUCnON
FURRING smlPs
Plan Tvoe
REG
:::FI~A~q~G!1~Rgl;~Q..,,.,~Ry: .... . ....
Plan Type
REG
=
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.. .....................-........................
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...........................
.....................-.-...
.-.........................
........................
.-...........-.................-...-...-.
..-.............................-.......
.....................................
.........................
Balance Subject To
Finance Charge
$0.00
Dally
Periodic Rate
.06025 %
COFl'espondlnll ANNUAL Days This FINANCE Balance
PERCENTAGE RATE Billing Period CHARGE Method
21.99% 31 $0.00 20
Total Periodic RNANCE CHARGE: $0.00
/}:1/
/00 ~
t/~G./~
.~j-!,i.
CUSTOMER SERVICE: For account Information call 1-800-444-1408
NOTICE: PLEASE SEE REVERSE SIDE FOR BilLING RIGHTS AND IMPORTANT INFORMATION,
PAYMENT DUE BY 5 P.M. ON THE DUE DATE. We may convert your payment into an electronic debn. See reverse for details.
7009 0004 9NO
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7 10 071109
I Page 1 of 1
9Z94 0010 ZCSZ
6Z81Z
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Page 1 of 1
Account 029-6119-522 as of Nov 12, 200
Your Payment is Due on Dec 12,2007
. A SPECIAL HOLIDAY GIFT FOR YOUI
As a Kohl's MVC, you'll soon receive a special
holiday gift 'rom Kohl's. Take advantage of this
opportunity to save more during the hOlidays.
Previous Balance
Total Charges
Total Payments
Total Credits
Finance Charge
+$~
200.00
0.00
+ 18.24
New Balance
To Avoid Finance
Charge Pay
$ 1,334.~
445.00
Minimum Due
40.00
Transaction Summary of Account 029-6119-522 l21al
OCT 26 Purchase at the Mechanicaburg Store .................................................................................... $191.40
(1) Updated Sepcrates.............33.99 (1) Corp Casud Sptwr...............21.45 (1) Updated Sepcrates.............15.99
(I) Jrs Dress Shoes.......................29.99 (I) Maternity Tops.......................18.70 (1) Jr Skirts! Jumpers.................... 15.30
( i) Updated ~epcrates.............23.99 (2) Womens Hosiery ...................17.00 (1) Mens Wovens ........................14.99
NOV 6 Thank You For The Payment ....................................................................................................( $200.00)
NOV 12 Purchase at the Mechanicaburg Store.................................................................................... $404.53
(6) Womens S1eepwear .......... 144.00 (1) Newborn Appcrel ................20.40 (1) Infant Gifts.............................. 15.00
(4) Development Toys...............42.88 (1) Dvds.........................................19.99 (16) Other Items......................... 137.69
( 2) Infant Bedding ......................33.00 (1) CartelS Bdy&t..........................15.99 (1) Discount.............. ................( 70.62)
( 1) Infant Apparel.......................26.25 (1) First Mom Layette .................15.60 (1) Tax..............................................4.35
NOV 12 Finance Charge ............................................................................................................................. $18.24
Did you know 100% of net profits from Kohl's Cares for Kids
$5 books, plush and CDs benefit children's health and
education? We've donated $85 million to date - your "Guess
o I" !
Periodic Rate
1.83%
Notice: See reverse side for important information.
(..); Quantity greater than 99
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Page: 1 Document Name: untitled
ACDT 2 CIS ILN ACCOUNT DETAIL 07/11/29 11.08.12
96 OP EBRN MS FIRST PAGE OF ACDT RETURNED
(INQ NXT) COlD 0096 PRODUCT ILN ACCOUNT 100 001 8827792 0001
MODE INTEREST INCLUDED TYPE SIMPLE INT/FIXED
& T BANK * * * *
DUE DATE 07/12/20 OFFICE NUMBER
PAYOFF AMOUNT 4352.29 OFFICER
GOOD UNTIL 07/11/29 COLLATERAL CODE
DATE CLOSED GUARANTOR
LAST TRANSACTION: NO OF EXTENSIONS
DATE 07/11/08 MATURE DATE
CODE 30A LOAN RATE
AMOUNT 242.78 INSURANCE
CURR DELQ N
PREPAYMENT FEE
CULO
ACTION
. CO
INQ
* * * * M
DATE OPENED 99/06/16
NOTE AMT 20000.00
ORG BAL 20000.00
CURR BAL 4322.42
TERM 120
MONTHLY 242.78
STATUS OPE
NO. PAYMENTS MADE 101
NO. TIMES LATE:
15 DAYS
30 DAYS
60 DAYS
90 DAYS
AUTO DEDUCT INDICATOR
INTEREST DUE
LATE CHARGES DUE
CHARGES DUE
1
SIMPLE INTEREST LOAN
1
\
Y
11. 95
AUTO DEDUCT ACCT #
INTEREST PD THIS YR
INTEREST PD LAST YR
3741375764
397.10
627.04
000805
KSTILN
6610
N
09/06/20
7.99000
N
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