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HomeMy WebLinkAbout05-08-08 ..J 10000100 REV -1500 EX (06-05) PA Department of Revenue Bureau of Individual Taxes PO BOX 280601 Harrisburg, PA 17128-0601 OFFICIAL USE ONLY INHERITANCE TAX RETURN RESIDENT DECEDENT County Code Year File Number 21 07 1034 ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 198228813 10202007 04 07 1930 Decedent's Last Name Suffix Decedent's First Name MI Duke Patricia J (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW _ 1. Original Return CJ 2. Supplemental Return CJ 3. Remainder Return (date of death prior to 12-13-82) c::J 5. Federal Estate Tax Return Required c::J 4. Limited Estate c::J 4a. Future Interest Compromise (date of death after 12-12-82) CJ 7. Decedent Maintained a Living Trust (Attach Copy of Trust) CJ 10. Spousal Poverty Credit (date of death between 12-31-91 and 1-1-95) 8. Total Number of Safe Deposit Boxes _ 6. Decedent Died Testate (Attach Copy of Will) CJ 9. Litigation Proceeds Received CJ 11. Election to tax under Sec. 9113(A) (Attach Sch. 0) CORRESPONDENT - ThIs section must be completed. All Correspondence and Confidential Tax Information Should be Directed to: Name Daytime Telephone Number Stephanie Kleinfelter, Esq. 717 901 7786 Firm Name (If Applicable) Keefer Wood Allen & Rahal, LLP PA 17043 REGISTEROFWILLS U~NlY (") gg .'" ~o co -r, r* ~~,- ::0 :x pH ( . :,.g-oo ::- Q~ ~-,;! 5E r- -< C0 ~~~ ;:~ ~ ~ cb ~B:f1 t:Jc")o C) . ~-=)Oll -0 -I" () C :J:: :;~.: ~ c:ijE FILED N i",:;,J, ~ 0 I'" First line of address 635 N. 12th Street, Suite 400 Second line of address City or Post Office Lemoyne State ZIP Code Correspondent's e-mail address:skleinfelter@Keeferwood.com Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete. Declaration of the preparer other than personal representative is based on all information of which preparer has any knowledge. s SIde 1 L DDDOIDD D DD Of I DD ....J ~ .-J 1 0 DO 001 DO Rev-1500 EX Decedent's Name: Patricia J. Duke RECAPITULATION Decedent's Social Security Number 198228813 1. Real estate (Schedule A) ......................................... 1. 0.00 0.00 0.00 0.00 99,551.77 0.00 276,000.00 375,551.77 11,142.41 3,979.34 15,121.75 360,430.02 2. Stocks and Bonds (Schedule B) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 2. 3. Oosely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) . . . . .. 3. 4. Mortgages & Notes Receivable (Schedule D) . . . . . . . . . . . . . . . . . . . . . . . . . .. 4. 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) . . . . . . . .. 5. 6. Jointly Owned Property (Schedule F) c:J Separate Billing Requested . . . . . . 6. 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) c:J Separate Billing Requested . . . . . . 7. 8. Total Gross Assets (total Lines 1-7) ................................ 8. 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) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 11. 12. Net Value of Estate (Line 8 minus Line 11). . . . . . . . . . . . . . . . . . . . . . . . . . . .. 12. 13. Charitable and Governmental Bequests/See 9113 Trusts for which an election to tax has not been made (Schedule J) . . . . . . . . . . . . . . . . . . . . . .. 13. 0.00 360,430.02 14. Net Value Subject to Tax (Line 12 minus Line 13) ....................... 14. TAX COMPUTATION - SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Une 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X .00 16. Amount of Une 14 taxable at lineal rate X .045 17. Amount of Line 14 taxable at sibling rate X .12 18. Amount of Line 14 taxable at collateral rate X .15 0.00 0.00 350,430.02 10,000.00 15. 0.00 16. 0.00 17. 42,051.60 18. 1,500.00 19. 43,551.60 19. TAX DUE 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT c:J Side 2 L 10000000 100'00000 -1 Rev-15oo EX Page 3 Rle Number Decedent's Complete Address: 21 07 1034 DECEDENTS NAME DECEDENrS SOCIAL SECURITY NUMBER Patricia J. Duke 198-22-8813 STREET ADDRESS 16 Stillmeadows Lane CITY I STATE I ZIP Enola PA 17025-1000 Tax Payments and Credits: 1. Tax Due (Page 2 Une 19) 2. Credits/Payments A Spousal Poverty Credit B. Prior Payments C. Discount (1 ) 43,551.60 0.00 41,167.25 2,166.63 Total Credits (A + 8 + C) (2) 43,333.88 3. Interest/Penalty if applicable D. Interest E. Penalty 0.00 0.00 4. Totallnterest/Penalty (0 + E) If Line 2 is greater than Line 1 + Une 3, enter the difference. This is the OVERPAYMENT. Fill In avalon Page 2, Une 20 to request a refund. (3) (4) (5) (SA) (58) 0.00 5. If Line 1 + Une 3 is greater than Une 2, enter the difference. This is the TAX DUE. 217.72 0.00 217.72 A Enter the interest on the tax due. 8. Enter the total of Une 5 + 5A This is the BALANCE DUE. Make Check Payable to: REGISTER OF WillS, AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a retain the use or income of the property transferred; . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. I&l 0 b. retain the right to designate who shall use the property transferred or its income; ............. 0 1&1 c. retain a reversionary interest; or ................................................ 0 ~ d. receive the promise for life of either payments, benefits or care? ........................ 0 ~ 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? .................................... 0 ~ 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? 0 ~ 4. Did decedent own an I ndividual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? .......................................... 0 ~ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is three (3) percent [72 P.S. Sect. 9116(a)(1.1)(i)]. For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero (0) percent [72 P.S. Sect. 9116(a)(1.1)(ii)]. The statue does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [72 P.S. Sect. 9116(a)(1.2)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent, except as noted in 72 P.S. Sect. 9116(1.2) [72 P.S. Sect. 9116(a)(1)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent [72 P. S. Sect. 9116(a)(1.3)]. A sibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. REV-1508 EXT(6-98) COMMONWEAL TH OF PENNSYL VANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY ESTATE OF Patricia J. Duke FILE NUMBER 21 07 1034 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 Scheduel F. ITEM NUMBER DESCRIPTION 1 Camp Hill Emergency Physicians Holy Spirit Hospital Refund Check 2 OrrstownBank Checking Account No. 111001074 Interest on above item accrued as of decedent's death 3 Members 1 st Federal Credit Union Checking Account No. 272631-11 Interest on above item accrued as of decedent's death 4 Members 1 st Federal Credit Union Savings Account No. 272631-00 5 Members 1 st Federal Credit Union Money Management Account No. 272631-05 Interest on above item accrued as of decedent's death 6 M& T Bank Certificate Of Deposit 031003915938442 Interest on above item accrued as of decedent's death 7 USAA Federal Savings Bank Certificate Of Deposit Account Ending In 5081 Interest on above item accrued as of decedent's death 8 USAA Fedeal Savings Bank Certificate of Deposit Account Ending In 6046 Interest on above item accrued as of decedent's death 9 1999 Oldsmobile Cutlass 4 Door Sedan 10 Shipley Energy - Credit Balance VALUE AT DATE OF DEATH 40.52 18,405.11 2.00 5,447.36 1.09 25.05 7,201.34 7.42 19,251.15 409.94 28,876.94 37.83 11,308.30 30.79 2,550.00 1,114.38 11 USAA - Refund Of Overpayment Of Homeowners' Unused Premiums Total from continuation Schedule(s) TOTAL (Also enter on line 5, Recapitulation) 219.93 4,622.62 99,551.77 (If more space is needed, insert additional sheets of the same size) Estate of: Patricia J. Duke Schedule E - Cash, Bank Deposits, and Misc. Personal Property Item Number 12 UnitedHealthCare Services, Inc. Refunds Of Unused Premium Description 13 U.S. Treasury - Refund Of Overpayment Of Individual Income Tax For Year 2007 14 USAA Subscriber's Savings Account 15 AARP Health Care Option - Refund Of Unused Premiums 16 Household Furnishings and Goods Net Sale Value TOTAL. (Carry forward to main schedule) . . . . . . Page 2 21 07 1034 Value at Date of Death 54.80 2,022.00 163.76 363.00 2,019.06 4,622.62 REV-1510 EX+(6-98) COMMONWEAL TH OF PENNSYL VANIA INH ERITANCE TAX RETU RN RESIDENT DECEDENT SCHEDULE G INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY ESTATE OF Patricia J. Duke FILE NUMBER 21 07 1034 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 SH EETis yes. DESCRIPTION OF PROPERlY ITEM INCLUDE NAMEOFTRANSFEREE, RELATIONSHIP TO DECEDENT& DATE OF DEATH "10 OF DEC'S EXCLUSION TAXABLE NUM DATEOFTRANSFER. ATTACH COPYOFDEED FOR REAL ESTATE VALUE OF ASSET INTEREST (IF APPLlCABL E) VALUE 1 Residence - Retained Life Estate 229,000.00 100 0.00 276,000.00 Real Property Commonly Known As 16 Stillmeadows Lane, Enola, Cumberland County, Pennsylvania Deed Book 274 zpshr 4281 On May 30,2006, The Decedent Transfered The Above Described Real Property To Herself And Her Brother, D. Kenneth Schenck, A s Joint Tenants With Rights Of Survivorship TOTAL (Also enter on line 7, Recapitulation) 276,000.00 {If more space is needed, insert additional sheets of the same size} REV-1511 EX+(10-06) COMMONWEAL TH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS ESTATE OF Patricia J. Duke FILE NUMBER 21 07 1034 Debts of decedent must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A FUNERAL EXPENSES: Parthemore Funeral Home & Cremation Services, Inc. 1,990.00 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Street Address Oty State Zip Year{s) Commission Paid: 2. Attorney Fees 7,900.00 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Oaimant Street Address Oty State Zip Relationship of Oaimant to Decedent 4. Probate Fees 310.00 5. Accountant's Fees 6. Tax Return Preparer's Fees See schedule attached 942.41 TOTAL (Also enter on line 9, Recapitulation) 11,142.41 (If more space is needed, insert additional sheets of the same size) Estate of: Patricia J. Duke Schedule H, Part B - Administrative Costs Miscellaneous Expenses Item Number Description 7 USAA - Auto Insurance Premium 8 Cumberland County Register Of Wills Miscellaneous Charges: Will $15.00 Short Certificates $52.00 JCP Fee $10.00 Automation Fee $ 5.00 9 The Sentinel - Legal Advertisement 10 Cumberland Law Journal - Legal Advertisement 11 Keefer Wood Allen & Rahal, LLP - Miscellaneous Exepnses (Le., copies, telephone charges, postage, etc.) 12 Freeman Real Estate - Appraisal of Real Property Commonly Known As 16 Stillmeadows Lane, Enola, PA 17025-1000 13 Register of Wills - Filing Fees $15 PA Inheritance Tax Return $15 Inventory TOTAL. (Carry forward to main schedule) . . . . . . Page 2 21 07 1034 Amount 229.30 82.00 150.64 75.00 75.47 300.00 30.00 942.41 REV-1512 EX+(12-03) COMMONWEAL TH OF PENNSYl VANIA INH ERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS ESTATE OF FILE NUMBER Patricia J. Duke 21 07 1034 Report debts Incurred by decedent prior to death which remained unpaid as of date of death, Including unrelmbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Golden Living Center - West Shore 2,962.27 Debt - Nursing Home Invoice 2 PharMerica 12.12 Debt - Medical Expense 3 West Shore EMS-ALS 656.08 Debt - Medical Expense 4 Metro Med Services 94.45 5 Com cast Cable - Final Cable Bill 36.45 Debt Of Decedent 6 Verizon - Final Telephone Bill 55.17 Debt Of Decedent 7 Home Paramount - Pest Cotnrol 84.80 Debt Of Decedent 8 Pennsylvania Department Of Revenue -Individual Income Tax Year 2007 78.00 TOTAL (Also enter on line 10, Recapitulation) 3,979.34 (If more space is needed, insert additional sheets of the same size) REV-1513 EX+(9-00) COMMONWEAL TH OF PENNSYL VANIA INH ERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE J BENEFICIARIES ESTATE OF Patricia J. Duke FILE NUMBER 21 07 1034 RElATIONSHIP TO ~~~ENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERlY Do Not Ust Trus s OF ESTATE I TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under Sec. 9116( a)(1. 2)] Ruth E. Myers Sister 60,940.01 11197 North Eagle Valley Road Beach Creek, P A Lee E. Raring 10,000.00 229 Pine Street Auburn, PA D. Kenneth Schenck Brother 289,490.01 1812 Willow Raod Camp Hill, PA ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 TH ROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SH EET II NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SEC. 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE 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) . ,. J ~ C\ '0/5 e., ROSERi ~, ZIE~LEl\ ~-\~C\~~:~.r)::~'t, ::r r. ,.~ .. RECORDA'tION REQUESTED BY: st....n L. QtOM, Esquh KMfer Wood Allen & Rahal, LLP 415 Fallowfteld Road. SUite 301 Camp Hili, PA 17011 lOD6 JUN 1 AM 11 31 WHEN RECORDED MAIL TO: Stephen L. Grose, esquire Keefer Wood Allen a Rahal. LLP 415 F.llowfieId Road, SUite 301 Camp Hili, p/t,. 11011 rtIX P.rcel No..~ Part of 38-05-0437.051 SEND TAX NOnCES TO: P. Jeanne Duke 16 Stl1tmeadowa Lane enol., PA 17025 ,pACe MOVE THIS UNE IS FaR RECORDeR'S USE ONLY Parcel No.: Part of 38-05-0437..()57 THIS DEED, Made the ~o day of May, 2006. BETWEEN P. JEANNE DUKE, a sjngle woman, Grantor, A-NO p_ JEANNE DUKE, a single woman, and her brother, O. KENNETH SCHENCK, 8S joint tenants with right of survivorship, hereinafter referrecl to as Grantees. WITNESSEiH. that in consideration of One and 001100 ($1.00) Dollar, in hind paid, the receipt whereof is hereby acknowledged, the said Grantor does hereby grant and con-..ey to the said Grantees. ALL THAT CERTAIN tract or parcel of land and premises, situate. lying and being in the TownshIp of Silver Sprlng, in the County of Cumberland, and Commonwealth of Pennsylvania, more particularly described as follows: _ BEGINNING at a point on the Southern r1ght-of-way line of Stillmeadowa Lane (8 50' right-of-way); said point being on the dividing line between property Of Ronald W. and Mary N. Niklsl,ls and Lot No. 3 of the Final Minor Subdivision Plan, by Hartman & Associat., Inc., dated November 16. 1993: thence along land nOW or former1y of Nikl.U$. South 01 degree 58 minutes 17 seconds East. a dlstance of 196 .23 feet to a point: thence along same, North 82 degrees 14 minutes 38 SQconds East. II distance of 133.74 feet to a re-bar: thence along same South 00 degrees 17 m1nutes 02 seconds East, a distance of 182.59 feet to a concrete monument; thence atong lot No.2. now or formerly lands of Grubb. SOuth 87 degrees 50 minutes 00 800K 274 PACE4281 _..~~._--~-~ i seconds West, a distance of 401.09 feet to a conaete monument; thence along lands now or former1y of Larry Brown Estate. and Harold Rudy. North 02 degrees 10 minutes 00 seconds West a distance of 421.20 feet to a point on the line dividing lands now or fonneriy of Duke and Lot No.3: thence along lands now or former1y of Duke, North 88 degrees 56 minutes 21 seconds East, a distance of 175.34 feet to a pOint on the cul-de-sac of Stillmeadows Lane; thence by a CUNe, curving to the left, having a radius of 50.00 feet and an arc length of 150.12 feet to a point; thence continuing along said right-of-way by II curve, curving to the right. having. a radius of 15.00 feet and an arc length of 13.61 feet to a point: thence North 88 degrees 56 minutes 21 seconds East, a distance of 5.79 feet to a point. said point being the Place of BEGINNING. SAID LOT CONTAINS 130,833.5549 square feet or 3.0035 acres. THE ABOVE DESCRIPTION bt';!log Lot NO.3 in a survey made by Hartman & A$9Ociates~ Inc.. dated November 16, 1993. and In accordance With the Final Minor Subdivision Plan, Which was approved by the Board of Supervisors of Silver Spring Township on December 22. 1993, which is recorded in the Office of the Recorder of Deeds in end for Cumber1and County I in Plan Book 67, Page 85. BEING part of the same premfses WhiCh Margaret A. Grubb, widow. by her Deed dated February 24, 1994. and recorded in the Office of the Recorder of Deeds in and for Cumberland County. in Oeed Book 101, Page 1086, granted and conveyed unto Margaret A. Grubb. widow, and Lee E. Duke and P. Jeanne Duke, husband and w;fe. all as joint tenants with the right of survivorship. The said Margaret A. Grubb having died January 9. 1996, whereupon title to said premises vested solely. by operation of law. In Lee E. Duke and P. Jeanne Duke, huSband and wife. EXCEPTING AND EXCLUDING, HOWEVER, ALL THAT CERTAIN piece or parcel of tand situate and being in Silver SPrl"g Township, Cumberland County, Pennsylvania. more particularty bounded and described as Lot No. 3-8 in 8 Final SubdivIsion Plan and survey prepared by Hartman and Associates, 1"0._ dated April 131 1999, which Is recorded In the Office of the Recorder of Deeds in and for Cumberland County, in Plan Book 79. Page 36, more particularly described as follows: BEGINN ING at a point (marked by a concrete monument) on the Northem property line of this tract, which is shown as Lot No. 3..8 on the April 13, 1999 survey end Final Subdivi$ion Plan mentioned above, said pOint being South 01 degrees 58 minutes 17 seconds East, a distance of 196.23 feet from II common property comer of lands now or formerly of Ronald W. and Mary N. Niklaus and proposed Lot No. 3-A (also marked by 8 concrete monument), said point located on the Southem right-of-way Une of Stillmeadows Lane (a 50' right-of..way); thence along lands now or formerly of Ronald W. and Mary N. Niklaus. North 82 degrees 14 minutes 38 seconds East. a distance of 133.74 feet to an existing re-bar; thence by same, South 00 degrees 17 minutes 02 seconds East, a distance of 182.59 feet to an iron pin; 1hence along lands now or formeny of Stephen L. Gro8e and Valerie A. Grose, South 87 degrees 50 minutes 00 seconds West, a distance of 401.09 feet to an iron pin; thence along land$ now or formerly of Howard K. Brown. North 02 degrees 10 minutes 00 seconds West. a distance of 142.65 feet to an existing re-bar; thence North 82 degrees 14 minutes 38 seconds Esst. a dlstanoe of 275.29 feet to a point. said point being the Piece of BEGINNING. CONTAINING an area of 651632.15 square feet or 1.5087 acres. THE ABove DESCRIPTION of the excepted and exduded percel being Lot No. 3-9 in a survey made by Hartman & Associates, rnc.~ dated Aprlf 13, 1999. and In accordance with the -2- SOCK 274 PAUE4282 ....."1..__'..... I Final Subdivision Plan~ which was approved by the Board of Supervi$OI'$ of Silver Spring Township on May 26, 1999~ which is recorded in the Office of the Recorcler of Deeds in and for Cumberland County, ijo Plan Book 79, Page 36. THE EXCEPTeD AND EXCLUDED PARCEL ALSO BEING the same property Which Lee E. Duke and P. Jeanne Duke, husband and wife, by their Deed dated July 29, 1999. and recorded in the Office of the Recorder of Deeds in and for Cumberland County, in Deed Book 205, Page 676, granted and conveyed unto Stephen L. Grose and Valerie A. Grose, husband and wife, as tenants by the entireties. THE PROPERTY BEING CONVEYED UNDER THIS DEED BEING the same premises Which Lee E. Duke and P. Jeanne Duke, hUsband and wife, by their Deed dated February 18, 2006, and recorded in the Office of the Reoorder of Deeds In and for Cumberland County, in Deed Book 273, Page 1 n 4, granted and conveyed unto P. Jeanne Duke. Gramor herein. UNDER AND SUBJeCT, ne'lerthetsss. to aU other agreements, rights~f-way, easements. oonditions, exceptions, restrictions, reservations. Liens, or encumbrances, either of record or visible upon the Premises. This is a transfer between sister and brother, and is, therefore, exempt from realty transfer tS)(. TOGETHER with all and singular the bUildlngst improvements, W8ys~ woods, waters, watercourses. tights, liberties,. prMleges. hereditaments, and appurtenances to the same belonging or in anywise appertaining; and the reversion and reversions, remainder and remainders, rents, issues. and profits thereof. and of every part and parcel thereof: AND ALSO all the estate, right, We, interest, use, possession" property, claim. and demand whatsoever of the Grantors both in law and in equity of, in, and to the premises herein described and every part and parcel thereof with the appurtenances. TO HAVE AND TO HOLD the above-descrfbed premises hereby granted, or mentiOned aod intended so to :be. with the hereditaments and appurtenances unto the said Grantee, her heirs and assigns, to and for the only proper use and benefit of the said Grantee, her heirs and assigns. forever. AND the said Grantors win FOREVER SPECIAL.L V WARRANT AND f:OREVER DEFEND the property hereby conveyed. IF THIS INSTRUMENT is executed by rnOr9 than one person or corporation or both as Grantors, the warranties and representations of eaCh shaU be joint and several. Whenever used, the singular number shall include the plural, the plural the singular~ the use of any gender shall include all genders, and the words "Grantor" and -Granteell wherever used. shall inClude their heirs, executors, administrators, successors. or assigns. -3. BOOK 274 PAGf4283 IN WITNESS WHEREOF, said Gl1Intor has signed this deed the day and year first above written. Sealed and delivered in the presence ot. ~~. L- f'&--~ .()~ P. J NE DUKE (SEAL) COMMONWEALTH OF PENNSYLVANIA : COUNTf OF C VI11W land : ss. On this. lhe 30 it-- day of ~ . 2008. before me.1Ile undersigned officer, a Notary Public in and for said nty and state. personally appeared P. JEANNE DUKE, known to me or satisfactorily proven to be the person whose name is subscribed to the within instr\lment, and acknoWledged that she executed the same for the purposes therein contained. IN WITNESS WHa=REOF t I hereunto set my hand and official sear. NoltHy Pu~ ~fIuwJL J11 UP' NOTARIAl SEAL J<EL1.V R. HOWELL. ., Pubic ti&mPden t'IP-. CtnIlertaI., c..y .. ea..... r 2.2008 -~- BOOK 274 PACE4284 ---.. r I Certificate Of Residence I hereby certify that the precise residence of the Grant~ herein is as follows: 16 Stillmeadows Lane, Enota, PA 17025. s(~~hB I Certify this to be recorded In Cumfter'~~.J ,........?...~.... !') ~ -s~~~j!!) '--..,~.+ . . RcL,;V~ uer of Deed~ -5- 8'OOk 274 P4GE4285 ---r---...----u- [hgillI SUMMARY OF SALIENT FEATURES I Subject Address 16 Stillmeadows Ln legal Description deed book 274 page 4281 City Enola County Cumberland State Pa. Zip Code 17025-1000 Census Tract 0118.01 Map Reference 42-41 Sale Price $ NJA Date of Sale Borrower NfA lender/Cient Estate of Duke Size (Square Feet) 1,844 Price per Square Foot $ NfA location good Age 14 Condition good Total Rooms 7 Bedrooms 3 BatIIs 2 Appraiser Teny E. Freeman Date of Appraised Value 1012012007 Opinion of Value $ 276.000 Form SS02 - 'TOTAL for WindowS" appraisal software by a Ia mode, inc. -1-800-ALAMODE Page #2 FROM: Freeman Real Estate Terry Freeman 4076 Market Street Camp HHI, PA 17011-4200 INVOICE Telephone Number: 717-763-7712 FuNumber. 717-731-9612 0002628 1/10/2008 TO: STEPHANIE KLEINFELTER KEEFER WOOD ALLEN RAHAL LLC 635 N 12TH ST SUITE 400 LEMOYNE PA 17043 Telephone Nllnber: AIematI Nllllber: Fu tbnber: E-MaU: .,l8mal Order It. 0002628 Lender Cue II: Client file II: II.., Ale II on form: Other FBe # on form: FederalTu I): Empbyer 10: ~: ."~~i-~::' _' < - - _ _ _ ~ _ _ __ _~,~.~ - _ -.: . _ _ ~ ~_. _ _~ L ~~.__-_~~_~-. _...~_.~.~~~~~J Lender: Estate of Duke PurchaaerlBorrower: N/A Property Address: 16 Stinmeadows Ln City: Enola County: Cumberland LegalDesc:a;rtlon: deed book 274 page 4281 Client: State: Pa. Zip: 17025-1000 ~_,~,.~< _ '. - ,- _ , ~____ -:- ~ .-~:~-~~~~_ _~~~~~:- ~>_ ~--:~_~ ~~- ~_ .._. __.~-~~~~~ -~~~~:r~:~- ->~~~~f!:-~~-] APPRAISAL SERVICES 300.00 SUBTOTAL 300.00 f-- ~--- - -- - - --- ----. ---',- - .-- -.-------~-,- '--'-,~i -.' -.-.-.,,--.'.--') f :i ;t~!';d-' ;ll~[~l'JSI L_ ~ _~..~_ ,_~ ~......._ ~_ ~_ ~_ _ __ _-'~_,-""- _-"_ ~~ "'--'_~""'" ........ """ -4_ _.. ""_ _. _ -..{..._ _-=-__~-'-'_'" -"___........... _,,_........1..._& J::~~"-"""-"".........,[~___~~ Check #: Check #: Check #: Date: Date: Date: ~t1on: Description: Description: SUBTOTAL TOTAL DUE $ 300.00 Freeman Real Estate Form NIV3 - "TOTAL tor Wmdows. appraisal softwalll by a Ia mode. inc. -1-800-ALAMODE Freeman Real Estate I1iin n orm eSI entia ~ppralsa eport fie # The PUlllose of this summarv appraisal report is to provide the lender/clem with an accurate, and adeouatB\v suooortell, ooinion of the market value of the subiect property. Prooertv Address 16 Stlmeadows Ln City EnoIa State Pa. Zip Code 17025-1000 Borrower N/A Owner of Public Record Duke County Cumberland leoa! Oescriotion deed book 274 oaae 4281 Assessor's Parcel # 38050437057 Tax Year 2008 R.E. Taxes $ 3,500+/- NliQl\tJortIood Name EnoIa MaD Reference 42-41 Census Tract 0118.01 OccuDant r 1 Owner r 1 Tenant 15<1 Vacant SDecial Assessmeris $ N/A r T P\JO HOA$ [ per year [J per month .. Property Rlohts Aooraised 15<1 Fee Simole 1 leasehold r 1 Other {describe} Assicument Type r 1 Purchase Transaction r 1 Refinance Transaction 15<1 Other (describe)' Estate and neootiation nurnnses Lender/Clem Estate of Duke Address clo Keefer Wood Allen Rahal LLP Is the subject property currentlv offered for sale or has it been offered for sale in the twiWe months Drior to the effective date of this aDoralsal? [J Ves ~ No Report data soll"Ce{s} used offerino Drice{s}, and daters), Central PeM Multi-list I 0 did 0 did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analySis was not perfonned. : Contract Price $ N/ A Date of Contract Is the Drooertv seller the owner of DubUc record? 1 Yes 11 No Data Source(s) Is there any financial assistance (loan charges, sale concessions, gift or downpaymem assistance, etc.) to be paid by any party on behaK of the borrower? DVes DNa · If Yes, report the total dolar amount and describe the items to be paid. Note: Race and the racI8\ eomDOSitIon of the neighborhood III not aooralsal factors. ~ "~fi1f ..'llR.if~ , ...:....~'ff.~~!1 location II Urban 15<1 Suburban r 1 Rural I Property Values r 1lncreasina 15<1 Stable r 1 Declnina PRICE AGE One-Unit 80 % Buil-UD ~ Over 75% r 125-75% 11 Under 25% I Demand/Suopti r 1 Shortaoe rxlln Balance r 1 Over SuoDIv . $ fOom (yrs) 2-4 Unit % : Growth [J Rapid [XI Stable II Slow I Markelioo Time 1)(1 Under 3 mths r 1 3-6 mths r 1 Over 6 mths 150 Low 0 Multi-Family % . Neighbot1100d Boundaries northeast Quadrant of Cumberland County. adiacent to Wertzville Rd aka route 900 Hiah 100 Commercial % = 944 235 Pred. 15 Other 20% Neighborhood Description The homes are a varv comoatible blend of detached sinale familv dwellinos. The area eniovs ease of access to shopping, schools and emolovment centers via a variatv of oublic roads includino route 944 laka Wertzville Rd\ to the south. The oredominate construction stvle is 2 story with an intersoersion of other stvtes. Markel Conditions fincludina SUDDort for the above conclusions} The Maioritv of finaOOne in the subiect neicJhborhood as well as comoeting communities Is bv conventional means. The demand/suoolv ratio is in balance. Dimensions see site area Area 1.5 acres+/- ShaDe irreaular View good Specific Zoning Classification R-1 Zonina Descrlotion Sinole familv residential Zoning Comoliance IX1 Leoa! r lleoal Nonconlonnino (Grandfathered Use) r 1 No Zonlna r 111leaal (descrlbel Is the hi!lhest and best use of subiect DroPertv as improved (or as proposed oer olans and soecifications}the Dresen! use? IX1 Yes rl No If No, describe UlIIIes Pubic Other (descrIle) Public 0Iher (descrlJe) Off-slte ImDl'OVements - Tvoe Plmllc Private Electricity ~ [ Water rl 15<1 well Street macadam rJ 0 Gas fXI r1 Sanitarv Sewer r 1 15<1 seotic AIlev none rl fl FEMA Special Flood Hazard Area r 1 Yes [XI No FEMA Flood Zone C FEMA Man # 42037000108 FEMA Map Date 5/211983 Are the utilities and off.site improvements tvoical for the market area? IX1 Yes r 1 No If No, describe Are there any adverse site conditions or extemaI factors (easemeris, encroachments, environmental conditions, land uses, etc)? T T Yes 15<1 No If Yes, describe ..1W_~lt J~' ..~\I,f; .lir~fi Units IXI One r 1 One with AccessOlV Unit 1 Concrete Slab 11 Crawl Space FOIIldation Walls concrete blkloood FkXlrs caroetlvlnvllaood # of Stories 1 115<1 Full Basement r 1 Partial Basement Exlerior Walls vinvllaood WaDs drvwalV aood Type IZI Del [ ] Att. [J S.DetJEnd Unit Basement Area 1 844 sa.ft. Roof Surface fiberalas shnaV ad TrimlRnish woodJ aood 1 Existina r 1 ProDosed IXJ Under Const. Basement Finish 0 % Gutters & Downsoouts aluminum/ oood Bath Floor cotlvinvVaood Deskin (Style) 1 storv ~ Outside Entlv/Exit I5<ISIJt\DPurno Window TVD8 double hunal ad Bath Wainscot fiberalaslaood Year Built 1994 Evidence of 111nfestation Storm SasMnsulated veslvAslavo Car Storaae I I None Effective Age fYrs} 10 1 Damoness [1 S~ Screens VI sl aood 1 DriVeway # of Cars Attic None Heatina 1)(1 FW A If 1 HWBB If 1 Radian! Amenities Woodstovels\ # Drivewav Surface macadam 1 Droo Stair Stairs 1 Other I Fuel aas J Rreolace{sl # Fence iRl Garage # of Cars 2 1 Fklor ex: Scuttle Coolino 15<1 Central Air Conditionioo 115<1 Patio!Deck Porch 1 Caroort # of Cars ] Rnished Heated 1 Individual Ir 1 Other 1 Pool Other 0Att r 1 Det. [1 Built-in ADDiances r 1 Refrigerator 1><1 RanaelOven IXJ Dishwasher IXI Disposal IT Microwave l1 Washer/Drver T'1 Other (describe\ Rnished area above grade contains: 7 Rooms 3 Bedrooms 2 Bathlsl 1 844 Souare Feet of Gross living Area Above Grade . Additional features (soecial enerov efficient items etcl storaae bulldina Describe the condition of the proPertv fincludina needed repairs deterioration reoovations remodelino. etc}, There are no nhvsical functional or external inadeQuacies. Are there any p~sical deficiencies or adverse conditions thai affect the fivability, soundness, or structlral intearltV of the DrooeiiV? 1 Yes 0 No If Ves, describe Does the property generaUv conform to the neighborllood (functional utilltv,- siYi8, condition, use, construction, etc.)? rxl Ves r 1 No If No, describe U if R "d " I A IR Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAl for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE lliQilll morm eSI entia ~ppralsa aport Fie' There are 0 comoarable orooerties currently offered for sale in the subiect neiohbOfOOOO rall!lina in Drice from $ N/A to $ N/A There are 15 comoarable sales in !he sliliect neiahborhood wilhin the oast twelve rnontIIs ranoina in sale Drice from $ 220 000 to $ 350 000 FEATURE SUBJECT I COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 16 Stllmeadows Ln 37 Wetherbum Or 1645 Airport Rd 903 W. Trindle Rd EnoIa. Pa. 17025-1000 EnoIa Mechanicsbum Mechanicsbura Proximllv to Subiect 3.49 miles 2.98 mles 5.58 miles Sale Price $ NI ')X "'~<<",.'O $ 267 000 . """ . $ 237 000 '~,~I,i $ 275.000 Sale Price/Gross Liv. Area N/A s .ft. $ 1~5.~2 SQ.ft~ $ 145.04 sa.ft. $ 154.49 so.ft. Data SolRe{s\ Multi List Service Multi-List Records Multi List Service Verification SOIRels I Court House Records Court House Records Court House Records VAlUE ADJUSTMENTS DESCRIPTION DESCRIPTION +l-} $ Adiustment DESCRIPTION +(-1 $ Adiustment DESCRIPTION +H $ Adiustment Sales or Financing Conv. Conv Conv Concessions none none none Date of SaIelTIITle 5/25/2007 8/30/2007 10/24/2008 Locatioo aoocI laood good laood Leasel10klJFee Simole Fee SimDIe Fee Simole Fee Simole Fee Simole Site 1.5 acres+/- .30 acre+/- +24 000 31 acre+/- +24 000 .58 acre+/- +18.500 View nnnrl aoocI aood aood Design (Style) 1 storv 1.5 story 1 stOry 1 story lluaIitv of Construction aaod aood aoad verv aood -10000 Actual Aae 14 7 32 +20 000 0 Condition nood aood aood verv nood -10000 Above Grade Total Bdrms.1 BaII1s Total I Bdnns.1 Balhs Total I Bdrms.l BaII1s T otaIl Bdrms.1 Baths Room Count 7 3 I 2 7 I 3 I 2 7 I 3 I 2 7 I 3 I 2 Gross Livina Area 1 844 sQ.ft. 1 976 so.ft. -5 500 1 634 sa.ft. +8 500 1 780 sQ.ft. +2 500 Basement & Finished 1,844 Sq.Ft. 100% Basemen 100% Basemen 100% Basemen Rooms Below Grade 0% Finished 50% Finished -10000 50% Finished -10.000 0% Finished FuoctionaJ Utilitv tvoical I tvDical I tvoical Itvnical . Heatino/Cooloo GFHAlcentral GFHAlcentral GFHAlcentral GFHAlcentral , EIIlI'OY Efficient Items none none none none Garaoe/Carport 2 car att aaraae 2 car aU aaraae 2 car att aaraae 2 car aU caraae . PorctvPaIill/Deck oarch/storace deck/fireolace decklfireolace decklfireolace . Net Adiustment CT otal) rxI+ fl- $ 8.500 rxI+ fl- $ 42 500 rxI+ fl- $ 1000 Adjusted Sale Price Net Adj. 3.2% Net Adj. 17.9% Net Adj. 0.4% of Comaarables Gross Adi. 14.8 % $ 275.500 Gross Adi. 26.4 % $ 279 500 Gross Adi. 14.9 % $ 276 000 I IX] did [l did not research the sale or transfer history of the subiect ProDertv and corroarable sales. If not, exDlain My research IX! did r 1 did not reveal any Drior sales or transfers of the subiect DmiiI!rtV for the three years Driar to the effective date of this aooraisa!. Data So\J'Ce{s\ Court House Records. My research r 1 did rxI did not reveal any Drior sales or transfers of the comDarable sales for the year orior to the date of sale of the comoarable sale. Data Sourcelsl - Court House Records Reaort the resuls of the research and analYsis of the orior sale or transfer historv of the subiect DroDertv and comoarable sales ireoort additional DriDr sales on oage 3t ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3 Date of Prior SaIelT ransfer 6/01/2006 not within 1 vear not within 1 vear not within 1 vear Price of Prior SM ransfer 1.00 N/A N/A N/A Data Sourcels1 Court House Records Court House Records Court House Records Court House Records Effective Date of Data Sourcels 1/10/2008 1/10/2008 1110/2008 1/10/2008 AnalYsis of orior sale or transfer historv of the subiect Drooertv and como arable sales an aooarent familv transaction ~mmIDVofSalesCom~~nA~ch The three comoarable sales studied have an adiusted sale orice ranee of $275 500 to $279 500. Aooraiser selects a value of $276 000 Indicated VakJe by Sales Comoarison AOOroach $ 276 000 Indlcated Value by: Sales ComDlrl80n Approach $ 276 000 Cost Approach (If developed) $ 292 616 Income Approach (If developed) $ some weiaht niven to cost anomach. areatest weiaht niven to sales comnarison aooroach to value . This appraisal is made [gI "as is", 0 subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed, 0 subject to the folawing repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or 0 subject to the . folklwino required insDection based on the extraordlnarv assumDtion that the condition or deficiency does not reouire alteration or reDair: Based on 1 complete visual =ion of the Interior and exteriOr 11'1II of the subJec.t properx; defined scope of work, statement of assumptions and limiting conditions, and Ippralse(a tIon, my (our) opinion of the market value, aa tJeflried, of e real property that Is the subject of this report is $ 276 000 as of 10/20/2007 . which Is the date of IRsoection and the effectIy. date of this annraisal. U 'f R od o I A IR Freddie Mac Form 70 March 2005 Page 2 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows. appraisal software by a Ia made, inc. -1-800-ALAMODE ~ Uniform Residential A Fie I ......-.................-...._.... =$ 102.00 mm....... =$ 15.00.........-... =$ =$ 35.00 ............. =$ =$ 90 000 188088 27 660 15400 231 148 External =$ ...................... ............. =$ _w_.................................. =$ X Gross Rent M for market relt and GRM -I~.~~r: ~{&~~~~~-~:-',~~:~ ~LttI;~~:;?~ ... - Are the common elements leased to or b the Homeowners' Association? No "Yes describe the rental terms and 0 tions. Describe common elements and recreational facilties. Freddie Mac Fonn 70 March 2005 Page 3 of 6 Fannie Mae Fonn 1004 March 2005 Form 1004 - "TOTAL for Windows. appraisal software by a la mode, inc. -l-800-ALAMODE ~ Uniform Residential Appraisal Report fie # This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment.. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership In an appraisal organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal Is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street. (4) research, verify, and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEANITION 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 or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales 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 ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification In this report is subject to the fallowing assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied. regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards. this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be performed in a professional manner. Freddie Mac Fonn 70 March 2005 Page 4 of 6 Fannie Mae Fonn 1004 March 2005 Fonn 1004- "TOTAL for Windows' appraisal software by a la mode, inc. - 1-800-ALAMOOE ~ Uniform Residential Appraisal Report FIe # APPRAISER'S CERTlACATION: The Appraiser certifies and agrees that: 1. I have. at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I Identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develOp a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. I researched. verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed. and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally, physically. and functionally the most similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I verified. from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and expelience in appraising this type of property In this market area. 12. I am aware of, and have access to. the necessary and appropriate publiC and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions fumlshed by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. I have taken into consideration the factors that have an Impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse Influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to. needed repairs, deterioration, the presence of hazardous wastes. toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value. and have reported on the effect of the conditions on the value and marketability of the subject property. 15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased. and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely. my analysis and/or opinion of market value in this appraisal report on the race, color, religion. sex, age, marital status, handicap, familial status. or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding. written or otherwise. that I would report (or present analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or Individuals in the performance of this appraisal or the preparation of this appraisal report. I have named such individual(s) and disclosed the specifiC tasks performed in 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 this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. I identified the lender/client in this appraisal report who is the individual. organization, or agent for the organization that ordered and will receive this appraisal report. Freddie Mac Fonn 70 March 2005 Page 5 of 6 Fannie Mae Fonn 1004 March 2005 Form 1004 - "TOTAL for Windows. appraiSal software by a Ia mode, inc. -1-BOO-ALAMODE ~ Uniform Residential Appraisal Report Fie # 21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser'S or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (Including, but not limited to, the publiC through advertising, pUblic relations, news, sales, or other media). 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves anyone or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent mlsrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the superviSOry appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER Terry E. Freeman Signature ~ .- Name Te . Freeman Company Name Freeman Real Estate Company Address 4076 Market Sf. Camp HUI Pa 17011 Telephone Number 717~763-7712 Emall Addressfreemanrealestate@comcast.net Date of Signature and Report 1/10/008 Effective Date of Appraisal 1012012007 State Certification # RL-000563-L or State License # or Other (describe) State # State PA Expiration Date of Certification or License 6/30/2009 SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name Company Address Telephone Number Emall Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License SUBJECT PROPERTY o Did not inspect subject property o Did inspect exterior of SUbject property from street Date of Inspection o Did inspect interior and exterior of subject property Date of Inspection ADDRESS OF PROPERTY APPRAISED 16 StiUmeadows Ln EnoIa. Pa. 17025-1000 APPRAISED VALUE OF SUBJECT PROPERTY $ 276.000 LENDER/CLIENT Name Company Name Estate of Duke Company Address c/o Keefer Wood Allen Rahal LLP COMPARABLE SALES Email Address o Did not Inspect exterior of comparable sales from street o Did inspect exterior of comparable sales from street Date of Inspection Freddie Mac Form 70 March 2005 Page 6 of 6 Fannie Mae Form 1004 March 2005 Form 1004- 'TOTAL for Windows' appraisal software by a Ia mode, inc. -1-800-ALAMODE ~ Building Sketch (Page - 1) BOlTOWlJ/CIent N/A Prooertv Address 16 Stillmeadows Ln City EnoIa COllnlY Cumberland State Pa. lin Code 17025-1000 Lender Estate of Duke 18.0' 0 0 ~ ~ 15.0' 22.0' one s\lOry ranch style dwelling Plus basement 0 q ui N ~ 0 20.0' 20.0' ui 15.0' two cer Garage I Storage I -~-".. Col\'Imeo\s: AREA CALCULATIONS SUMMARY LNlNG AREA BREAKDOWN ecm Dllcripllon Net_ Net Totals Brukdown Subtolals GLIU First Floor 1844.0 1844.0 Firat Floor 15.0 x 32.0 480.0 20.0 x 26.0 520.0 20.0 x 26.0 520.0 18.0 x 18.0 324.0 Net LIVABLE Area (Rounded) 1844 4 Items (Rounded) 1844 Form SKT.8IdSkl- "TOTAl for Windows. appraisal software by a la mode, inc. -1.800.ALAMODE Subject Photo Page ~ Borrower/Client N/A Prooertv Address 16 StllImeadows Ln City EnoIa County Cumberland State Pa. Zio Code 17025-1000 Lender Estate of Duke Subject Front 16 Stillmeadows Ln Sales Price N/ A Gross Living Area 1,844 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 2 Location good View good Site 1.5 acres+/- Quality good Age 14 Subject Rear Subject Street Form PIC3x5.SR - "TOTAL for Windows' appraisal software by a Ia mode, inc. -1-800-ALAMODE [hiiililJ PHOTOGRAPH ADDENDUM Borrower/Clent N/A Prooertv Address 16 StHlmeadows Ln City EnoIa Cnnnlv Cumberland State Pa. Zin Code 17025-1000 lender Estate of Duke Fonn GPlC3X5 - "TOTAL for Wmdows. appraisal software by a Ia mode, inc. - 1-800-ALAMODE ~ comparable sales Map Ii CoQe 17025-1000 Borr~ef Cient N/A Addf8$S 16 Stil\meadows Ln C' E~ leOOef Estate of Duke State Pa. o cumberland M~ ~ '~J!>\ \ "~ ...... --,- ,...jjj; ._--7-.~ c.nonr< .... 1IfI' l t ~, , II PE""S'l'I.V~"'\jl. ----.,----.._-_._,.~~---"< -~~ '-'.. .....'~hf'I ;J - GoIItoorI' ., -.. -- ;.;~\)~t:U>> C'_'," ._;~ /",'" -,..... ~'-4lr ~i I! l \ \ \ -, .~~3 ~. .,\i../ _ MN' .Conlll- '101AL .. .........lI1IP""" ....... by , · ","". \IIC. - 1~ , . f LAST WILL AND TESTAMENT OF PATRICIA JEANNE DUKE I, PATRICIA JEANNE DUKE, of Silver Spring Township, Cumberland County, Pennsylvania, do hereby make this my Last Will and Testament, revoking any fOllller Wills and Codicils made by me. FIRST: I direct the prompt payment of all nlY legal debts and obligations, including expenses of my last illness, my funeral, and administering my estate. I also direct the pronlpt payment of all estate, inheritance, succession and other death taxes inlposed or payable by reason of my death, and interest and penalties thereon, with respect to all property comprising my gross estate for death tax purposes, whether or not such property passes under this Will, to be paid out of the residue of my estate, as if such taxes were expenses of administration, without apportionment or right of reimbursement. I authorize Iny Executor to pay all such taxes at such tinle or tinles as deelned advisable. SECOND: After the paYInent of lilY legal debts and expenses as mentioned above, I give, devise and bequeath all the rest, residue and remainder of my property of every kind and description wherever situate and whether acquired before or after the execution of this Will, absolutely and in fee simple to my sister, RUTH E. MYERS, and my brother, D. KENNETH SCHENCK, to select whatever itenlS they can Inutually agree. To the extent that neither of those individuals desire to have any personal property, I direct that said property be liquidated as soon as practical after Iny death, either to private or public sale, with the proceeds therefrom I give, devise and bequeath, along with ll1Y other assets, to each of the following individuals: (a) $50,000 to my sister, RUTH E. MYERS, of 11197 North Eagle Valley Road, Beech Creek, Pennsylvania; (b) $10,000 to LEE E. RARlNG of229 Pine Street, Auburn, Pennsylvania. The specific bequests contained in subparagraphs (a) and (b) above are to be paid if there is $60,000 available. If not, five-sixths (5/6) of the balance will be paid to IllY sister, RUTH E. MYERS, and one-sixth (1/6) will be paid to LEE E. RARING. To the extent there is lnore than $60,000 available, it shall go to my brother, D. KENNETH SCHENCK, of 1812 Willow Road, Catup Hill, Pennsylvania, if he survives Ine; otherwise, to his issue, per stirpes. THIRD: If all the beneficiaries described in Article SECOND above are deceased and no other disposition fo the residue of my estate is directed by this Will, then, and in that event only, I give, devise and bequeath the rest, residue and renlainder of my estate, real and personal, to HOSPICE OF CENTRAL PENNSYLVANIA. j!Jqj) -(7 . . I I FOURTH: No person shall benefit hereunder unless such beneficiary shall survive nle by thirty (30) days. FIFTH: I direct that lny body be cremated and my remains scattered on the premises of Stillmeadows Farm, if approved by owners. SIXTH: (a) I nanle my friend and counselor, STEPHEN L. GROSE, Esquire, as my Executor. I direct that my Executor, herein referred to as my Executor regardless of number or gender, serve without bond in any jurisdiction in which called upon to act. (b) Except as otherwise provided herein, if STEPHEN L. GROSE should fail to qualify or otherwise be unable to serve as my Executor hereunder, or for any reason should cease to act in such capacity, the successor or substitute Executor shall be an attorney in the law firm of Keefer Wood Allen & Rahal, LLP, or its successor, which successor or substitute Executor shall be designated in a written instrument filed with the court having jurisdiction over the probate of my estate and signed by my Executor, or, ifhe fails to act, signed by the court having jurisdiction over the probate of my estate. (c ) My Executor shall receive reasonable conlpensatiol1 for services rendered. SEVENTH: (a) I give to any Executor named in this Will or any Codicil hereto, or to any successor or substitute Executor, all of the powers enumerated in this Will and all of the powers applicable by law to fiduciaries in the Commonwealth of Pennsylvania, and in particular through the Pennsylvania Probate, Estates and Fiduciaries Code, as effective and as in effect on the date of my death, during the administration and until the completion of the distribution of my estate. I direct that all such powers shall be construed in the broadest possible nlanner and shall be exercisable without court authorization. (b) My Executor is authorized and empowered to acquire and to retain, either pennanently or for such period of tinle as my Executor may determine, any assets, including the capital stock of any closely held corporation, whether such assets are or are not of the character approved or authorized by law for invesbnent by fiduciaries and whether such assets do or do not represent an over concentration in one investment. (c) My Executor is authorized and enlpowered to disclaim any interest, in whole or in part, of which I, or nlY Executor, lnay be the beneficiary, devisee, or legatee, by executing an appropriate instrunlent (in accordance with section 2518 of the Internal Revenue Code of 1986, as amended, or such similar section as may then be in effect). (d) My Executor is authorized and empowered to sell at public or private sale, or exchange, and to ellcunlber or lease, for any period of time, any real or personal property and to give options to buy or lease any such property. Additionally, nlY Executor is authorized and empowered to compromise claims, to borrow frOln anyone (including a fiduciary hereunder) and 2 j)C) ;JD , . . r " to pledge property as security therefor, to make loans to and to buy property from anyone (including a fiduciary or beneficiary hereunder); provided that any such loans shall be adequately secured and at a fair interest rate. (e) My Executor is authorized and empowered to allocate property, charges on property, receipts and income among and between principal or income, or partly to each, without regard to any law defining principal and inco111e. IN WITNESS WHEREOF, I have set my hand and seal on this my Last Will and Testament this .,dt!J day of ~ ' 2006. SIGNED, SEALED, PUBLISHED, and DECLARED by PATRICIA JEANNE DUKE, as and for his/her Last Will and Testament, on the day and year last above written, in the presence of us, who, at her request, in her presence, and in the presence of each other, all being present at the same tin1e, have hereunto subscribed our naInes as witnesses: .;;~~ 2)~EAL) PATRICIA J 1\NNE DUKE *d!L IIltdlw' d. J~ , ~~ 3 , . r , . SELF-PROVING AFFIDAVIT COMMONWEAL TH OF PENNSYLVANIA COUNTYOF Lumber )ancl SS. and lI/~iL J '! ~ ttI /lrl( , and Po:frtc.ia. ::FfJnfL/) !Juh , the Testatrix and the wit esses, respectively, whose names are signed to the attached or foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the Testatrix signed and executed the instrument as her Last Will and that she had signed willingly, and that she executed it as her free and voluntary act for the purposes therein expressed, and that each of the witnesses, in the presence and hearing of the Testatrix, signed the Will as witness and to the best of his or her knowledge the Testatrix was at that time eighteen (18) years of age or older, of sound mind, and under no constraint or tmdue influence. -I~~~~Q~ -- PATRICIA ANNE KE, Testatrix ~~oOL ~ tf. a/~ ~(LL WiU..ss Cf- Testatrix, and subscribed and sworn to before me by tlJ,LL, r ~. IJ/, /2TtI , and ~f ;1):J ' 2006. Subscribed, sworn to, and acknowledged before me by PATRICIA JEANNE DUKE, the -.~ , witnesses, this ' 30 'day 4 Notary rfJ6 t&niJ WE:' A I "'H OF P!:NNSYLVANIA COMMON ........., NOT~R\AL SEAL . KEllY R r"'..lVl/ELL, Notary Public Ha!llptldil Twp cumberland Count~OO6 M) Cummlsslon Expires September 2.