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HomeMy WebLinkAbout07-09-08_;,,,~:.~:,. COMMONWEALTH OF °" REV-1500 ~ PENNSYLVANIA __ DEPARTMENT OF REVENUE lNHERlTANCE TAX RET URN FILE NUMBER - ~: y f DEPT.2sofial PA 17128-0601 ~~ HARRISBURG . l- ~' C ~ ~ l o ~ , R E S !DENT DECEDEN T ~E~ o~ AR +~~~ ~TY ~ ~a DECEDENTS NAME [LAST, FIRST. AND MIDDLE INITIAL) SOCIAL SECURITY NUMBER ~ ~ _ __ z.o7 - Yy - STYE W DOTE OF DEATH (P,1:~+1-DD-YEAR) DATE OF BIRTH jMP~1-DD-YEAR] THIS RETURN MUST BE FILED IN DUPLICATE WITH THE W U ~ ,~ 0 7 ~ p0~/S 3 ' REGISTER OF WILLS W - AST FIRST. AND MIDDLE INITIAL) A ME (L iIFAPFL'CABLEi SURVi~iING SPOUSE'S N SOCIAL SECURITY NUMBER , ~ / ` w ~ 1 Cngmal Reiuro ~ 2. Supplemental Return ~ 3. Remainder Return iea+e or dean pnono iais-&2i a ~, a ~ ~ 4 Limited Estate ~ 4a. Future interest Compromise irate o'r cEam aRer ±2-1 2-82i ~ 5. Federal Estate Tax Return Required ~ a m u, Cecedent Died Testate ±..nacn ccp; u. wo+l ~ 7. Decedent Maintained a Living Trust fnuacn copy or ~ r=~sc ~ B. Total Number of Safe Deposit Boxes a a _ ~ 19 Litigation Proceeds Received ~ 10. Spousal Poverty Credit Nate or ~ieatr between .z-at-si aoa t-t-es; i 11. Election to tax under Sec. 9113(A) tnua~n sch o; t~ ~ TIiIS<SECTIQN GAUST BE COMPLETED. AL.L CORR~SPONDENGE-AND CONFIDEfiPT1AL TAX::tNFORMATiON"SHOULd'BE DtREiC7ED TO: w NAME // COPdPLETE MAILING ADDRESS L ~~ ~ FIRM NAME !If App~lrabi_+ ~~ t ~ ~ p ~ o TELEPHONE NUMBER ./ 1. Real Estate (Schedule Aj ,11 ~"`~ 2 Stocks and Bonds (Schedule B) l2) C"? ~ } ~ Q - 3. C;osely Held Co!poraticn. Partnership or Sole-Proprietorship (3) C_.. _ _ i_r ~ ~ ~ ~:~ , 4 Mortgages 8 Notes Receivable (Schedule D) C4) ~ ~k 7 ~~ =' ~ ~- ~~ _'~'7 l.U ." 1. .1 5 Cash, Sank Deposits & Miscellaneous Personal Property (5} ..`i ;-~-. ~-- _- ~ : ~ r, ~ (Schedaie E) ~ 'm ~ ~ r ~/ Q r Z E. Jointlry Owned Prcperty (Schedule F) _ __ --1 -~ Q ~ Separate Billing Requested ~ ~ J ~ 7 Inte =~,'+vos Transfers & Miscellaneous Non-Probate Property (7) __ t F- (Schedule G or L) a Q 8 Total Gross Assets (fatal Lines 1-7) [- (a) ~~ J ~ 3 W ` Q 9. Funeral Expenses & Administrative Costs (Schedule H) (g) 70~ / ~ 10- Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) (1g} ~ ~ ~ 3~ _ 11- Total Deductions (total Lines 9 & 10) (11) Z ~ i ~OJ _ 12. Net Value of Estate (L+ne 8 minus Line 11) (12) Z- ~ ~ 6~~ 13 Charitable and Gadernmental BequestslSec 9113 Trusts for which an election to tax has not been (13) made fSchedule Ji 14. Net Value Subject to Tax (Line 12 minus Line i3j (t4) 'Z, ~ ~ (~ 7~ SEE INSTRUCTIONS ON REVERSE SIDE FOR APPLVCABLE RATES 15- Amount of Line 14 taxable at the spousal tax 15 .-ate. o'transfers under Sec. 9116 (a)(1.2) x . ) 0 _~ ( Q F ~ x. 10. Amcunt of Line 14 taxable aU+neal rate - ~ 0-~ $ ~ S 16 0~ i ) .y a ei 17. Amoun? of Line 14 Taxable at sibling rate ~ ~ ~ ~ I x . 12 (17) (~O 1 _ 18 Amount of Llne 14 taxable at collateral rate x . 15 (18) Q H 19. Tax Due (19) 1 20 ^ • • • • • ? ~ EtE SURE TO ANSWER ALL QUESTIQNS ON REV~R5E SIDt,alvu KtL:Fit(:1S-MSetrt < < Decedent's Complete Address: CITY ( ~tw..r ~ p ~ i~ ~ t- tl ~ •TD C C STATE I ZIP _ - - - Tax Payments and Credits: 1. Tax Due (Page 1 Line 19) 2. Credits/Payments A. Spousal Poverty Credit B. Prior Payments C. Discount 3. InteresUPenalty if applicable D. Interest E. Penalty (1) t 7S 9 Total Credits (A + B + C ; (2) Total Interest/Penalty (D + E ) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Check box on Page 1 Line 20 to request a refund 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. A. Enter the interest on the tax due. (3) ~ z S (4) (5) l Qi l ~( (5A) B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (5B) ~ ~ l y _ 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;..._ .............................................................................. ...... ^ b. retain the right to designate who shall use the property transferred or its income : ..................................... ....... ^ c retain a reversionary interest; or ................................................................................................................... ...... ^ d. receive the promise for life of either payments, benefits or care? ...................._......................................... ....... ^ ~ , 2 If death occurred after December 12, 1982, did decedent transfer property within one year of death ~,vithout receiving adequate consideration? ............................. ^ ^ 3 Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? ....... ....... ^ 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? ............................................................. _................................. ....... ^ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. Under penalties n ~egary, ,. lac, tr; t have examined the reWrn_ mduding arccmpan~ing ;rred~,i~as e~~d ~tatemel~s aid to th< best e(n~y kr•,owledge and belief. R is!rue, ccrrec? as~d complete. CeclaraUOr of pre;,.erer ether Incr. the personal representative is based on all information of which ~reparer has any knowledge. SIGNATURE OF P RS N RESPONSV E P I RETUR DATE ~~~ /~ ADDRESS SIGNATURE OF DATE ADDRESS I ~5 ~~w~ ~ _~~ ~-7 ~o c For dates of death on or after Jufy ' , 199A 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 3% (72 P.S. §9116 (a) i1.1) (i)]. For dates of death on or after January i, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse Is 0% [72 P.S. §9116 (a) (1.1) (ii) The statute 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 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 parer or a stepparent of the child is 0% [72 P.S. §9116(a)(1.2)j. The fax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5%, except as noted in 72 P.S. §9116(1.2) (72 P.S. §9116(a)(1)j. The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12°l0 [72 P.S. §9116(a)(1.3)]. Asibling is defined, under Section 9102, as a individual who has at least one parent in common with the decedent, whether by blood or adoption. SCHEDULE "F" JOINTLY OWNED PROPERTY Estate of James E. Bell File Number Joint Tenant Name Address Relationship to Decedent A. Edward M. Bell Stuart Florida Father B. Susan E. Schlupp Etters, PA Sister C. Sherre Bell 1504 Letchworth Rd. Camp Hill, PA 17011 Wife Item Number Joint Description Total % Decedent and Date Tenant Property Value Interest Interest Made Joint Asset of Decedent 10/27/03 A,B 1504 145,000 1/3 $48,333.00 Letchworth Road, Camp Hill, PA 17011 C 1994 500 1/2 $250.00 Oldsmobile Total $48, 583.00 SCHEDULE "H" FUNERAL EXPENSES, ADMINISTRATIVE COSTS AND MISCELLANEOUS EXPENSES Estate of James E. Be11 File Number ITEM DESCRIPTION AMOUNT NUMBER 1. Funeral Expense $2,373.00 Myers Harper funeral home 2. Personal Representative Commission 3. Social Security Number 4. Year Commission Paid 5. Attorneys' Fees $400.00 6. Family Exemption Claimant, $3,500.00 Relationship to Deceased, wife 7. Address of Claimant at Decedent's Death 1504 Letchworth Road, Camp Hill, PA 17011 8. Probate Fees 9. Advertising estate 10. Reserve $175.00 10/17/07 $428.19 Real estate taxes on 1/3 interest in Letchworth property Total Taxes, 1284.59 1/3 3/27/08 $193..22 Real estate taxes 579.67 1/3 193.22 $7,069.41 SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES AND LIENS Estate of James E. Bell File Number ITEM NUMBER DESCRIPTION AMOUNT New Cumberland Federal Credit Union $2,246.00 Washington Mutual Loan $3,520.00 AT&T Universal Card $14,070.00 Total $19,836.00 - 3- 2:3-os~1S-e~b _ ~iFCLcR __hLA~~D COUt~T~'-• 'J3 N~~U 5 Pal 3 51 THIS INDENTURE MADE the Z7 day of Ckta~,aY :?003, by and betwee: EDrAAgn M. BELL, an adult individual Grantor and party of the first part and EDWARD M. BELL, JAMES E. BELL and SUSAN E. SCHLUPP Grantees and parties of the second part as joint tenants with rights of sur•rivorship; WITNESSETH, that the said party of the first part in consideration of One and 00/100 ($1.00) DOLLAR to him now paid by the said party of the second part, do grant, bargain, sell and convey unto the said parties of the second part, their heirs and assigns, ALL THc.T CEyTAIiv' iOt of yroa:-d situate 1:1 t}^.C ~'.^.~:^.shlp Df Lower Allen, County of Cumberland, Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the northern line of Letchworth Road, two hundred thirty (230) feet east of the northeast corner of the intersection of Letchworth Road and Highland Park Circle, also being at the dividing line between Lots Nos. 28 and 29, Block "H" on hereinafter mentioned Plan of Lots; thence northwardly along said dividing line and at right angles to Letchworth Road, one hundred twenty-five (125) feet to a point at the dividing line between Lots Nos. 23 and 29, Block "H" on said Flan; thence eastwardly along the same, fifty-five (55) feet to a point at the dividing line between Lots Nos. 29 and 30, Block "H" on said Plan; thence southwardly along the same and at right angles to Letchworth Road, one hundred twenty-five (125) feet to a point on the northern line of Letchworth Road; thence westwardly along the ;>ame, fifty- five (55) feet to a point the place of BEGINNING. BEING Lot No. 29, Block "H" on revised Plan of Highland Park, said Plan being recorded in Plan Bootc 3, Page 65, Cumberland County records. BEING the same as surveyed by D. P. Raffensperger, Registered Surveyor, dated January 23, 1956. HAVING thereon erected a two story dwelling house known and numbered as 1504 Letchworth Road. BEING THE SAME PREMISES which Virginia D. Preun (Formerly Virginia D. Bell), by deed dated August 13, 1964, a;nd recorded September 28, 1994, in Deed Book 112, page 500, in the Cumberland County, Pennsylvania, Office of the Recorder of Deeds, granted and 1 F ~1%/ `~~ 4'~Fa! iss /+, ''` conveyed to Edward M. Bell, the Grantor herein. This is a transfer between a father to son and daughter and is therefore exempt from real estate transfer taxes. And the said Grantor hereby does generally warrant the property hereby conveyed. IN WITNESS WHEREOF, said Grantor has hereunto suet his hands and seals the day and year first above written. ~aJ .~f~^ Witness Edward M. Bell STATE OF FLORIDA ) j ) SS: COUNTY OF ~/~.'~r'jr' ) On this ,~~~ day of ~C~~j~'~ 2003, before me a Notary Public, the undersigned officer, personally appeared Edward M. Bell, known to me or satisfactorily proven to be the person whose name is subscribed to the within instrument and ac;cnorriedged that he executed the same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. ~~~~ LYNNBENNER NOtdry PUbliC Notary Public. Slate of Fbrida My comm. expires Aug. 19.2005 No. DD050972 CERTIFICATE OF RESIDENCE I do hereby certify that the precise residence of the within named grantee is 1504 Letchworth Road, Camp Hill PA 17011 (Bell) and 15 Hillcrest Circle Etters PA 17319 (Schlupp). Witness my hand this ~_ day of ,~ 2003. Attor or Grantee j Certi (,,~ this to be recorded Tn Cumberland County PA r _ 2 ~. 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'C H N i V ~ 1p G ~ ~ L O~ I L ~ ~n o ~ p ~ a o ~ n AP?. 4. 1008 2:04P~ '~~ri CARD DERVCES`~~ _._ Washington I Pey1r1•nl Wmam eel•raa Net Aeo•ual ~~~ pw Der PaYnf.fl tSEf17Yl90T tlf,mw ac f., raxatunanlurelas eenaar m.a p.c70.M 4185-tae'72•tlo9-3200 l-".,,~oe~T.aooa..+a~~k•aa ~,t_ !1n~yM~LC~~1~yp[ . ~ ~ ~,1a~~tt~1~11iLtiOPJ ~: Fr M1~~ I ~ hN ~ ~ Q~I^•EMO~II.fII1E~•C"L'~Olf~t'D'l',I'I(w''W'tl. er NSlt 1.U ~^ ~ lL I .'vM Ifl'f0e-r ae 7 y1 ,~ .s d 7R i~rAtlef/ti1YtlIbWtS/1010 ny CpaS {ai `P1~A-J:~7WLJ. T- ypy YNa C••d•hladr l•Yfeahl•tpn MWfaf ffclfe riASMf`t6'OV MUYUAL LARD BERVICES ~AA2E9 E flF1l P.O. BC% tdOe E7 1504 LE~ChYIORI'M q D DALLAS T7t 762ii-0W7 CAMP NILL PA t70t 1.7:29 IL,,1,I,L,,I,1.II,„II„11.,1J„il,d,l„dl„LI,., Ill,..1,.,f ll,,,III,.,,,,IL,,111,,,1,1,1„J,l.,ll,ll,•„I„161.,1 4185867211093209 0007100 035209a 002000D 1L OEfACM HERE aHa ,nr alt t t t/ etailt nKt , ar s EOLasNa •fol afa/SIl Seff ro ' ImpgMnl Mewapw You ere enrolaoN Ins VeySman P4FF~AgED OOLLAR AMOUNT epaan Lr (200.00. Tl:+a morns en wtl wlpWraw a I Pay3-arr Va7.••:.-t from yea Ucddnp acoounl eq'~at n 3200.tA o' Ine LLnlmm Payment of 371.00. rmlcnever b prWu. Tha paymerll wl f:e r•U'oYarrn aubmadci0yon Ne Psyreent DLa Oab rotas aD0•e. Ttme ICr:prvfp detNnp of heUS•heW reD•rl•? NO n••d II palsy. W Cfe Js: 10 eCCeH yOW vad, are enE ptl~he cssh Yau Hasa we y ~+plYyl g o.u Homo ~.m WatNtry»n Mutual p WaA1u. YtU4:w1 wNnp WtMu m your lltymtnlt and In ptla oomm~~'ni ar stn Vle wmufg monV Tatra d,arge 01 yar aet0~n1 an0 mana2a I' onl nt. voU yn raviax your acxun bel:ne•, OeY yeU tlt, lJpdila personal ~hlorReaan aeC ^.u~ Hero{ Loa Ir Of Rep5t1•, bisv al IYIrW.WaMUGldaeom I •GStlO Ure 317,500.00 Cash Adfranaet 50.00 •AgladeGed:taOaanACVancw:ear ~SA7,C7 33,570.00 N3VBALANCE 53,52C9t pewerea slua.ns7' Yw nm eamw gars j:li ey ma^~np Duraaso:, Cash raoate eamea•,n~, ryde: 30.00 Caen rvearo ac~~ulale0': SO.Oo Fem•rrE•r, yar tomyf, mu;l t>o oiler, ertem, an7 w.,nrf ne a•41 Or» cn 4fe fea aey of tl,o ryga MI Inqudas yo1.Y Mntversary Oafa to nq~re vls mbafa. •9aaeax you ~ad.aa•alma++a mfun•.:) ae at lM date :t ,hk ~tuem•nl TrelrtlcOetM _ _ _ _ _ 1Yan Pawl Due D•le D R•fxena Nurroer Atnoffnt ,. , auto?~YHflftc tx. FOR t1it17NG ERRORA AND IMPORTAM iNfOR/aATION, 9EE RE11ER6E OF PAGE S. CHFCx tEw/t A1:O CCVOIT.OlO' WMn le,•'saa ,atf tl,araY1J, w will ah0'p• i CJM 4~r1. ,• (N 01 78 J( PY eryVt OI IIM •MaCO (J10 r,~.vy. •,•en i f tVMNCF d1ARCE Te,.n,~ elfodil,/), year wm,s+t rzSl m nra„r W hn • nfw~t aa~e ~ petit. Yw erotab a pm,a•.y De kN tr000r,I/y/Vp•y.fnm.:wWOl. pyvanLwu rar.rrld-~rd,eelflJ ra,llb~nd6y C7r1607 aM pr!1 o•:t•e a iaY v y sear!rClon leau•I ampucL R•arnee a,aea fr. t2t. Or•Wnk tN: iif. ~rarw ahupoa ara,,e ter Ne ems parr, (r,et,,'s pwaMea w ,s a yW see anJnJy rat•N.q • emmo:onal rsM la Cnah AAvea, raa APR •.A allot w CJt efaWr)1•r 111• n,af of w ar:n,aati caeto0 Arr w,.lp Ilea ora',a,r•awntspgnetpfalAPW,Y•,+nwrlrto•ueary /VRMCaen ••,renc•, user /ear Armun: A~••eKar..refWl/. ~sy-:ay. aMhcvntrly Sa iav. Farew:ttr.x~asr Aaar,cs rN •r tie a=ae¢oM0.tJr/a aafvw and:e •+~ a,•c. 1- tv/ aPA wr fh•-~arN. We~hington t117s,,.a»ea aw voKm fa.e.efms sags f ?ELL Muttt~l O/lr f /e. -EiOw.errr .7 GWr{l a~ „•1'•fsar PAY TO TM ORDER 0 DOLLAIIS n. rw an }et ra, .. M•nr e,.a .1•e,ner Mr,e S:p,tit ---~10. 4o44--P. 43- - <077< •11499057.99672110 93209<9972 WaMu~ F'.O. Box 10795 <3reenville, S.C. 29603 April 07, 2008 Ms. Sherre Bell 1504 Letchworth Rd Camp Hill, PA 17011 Account Number Ending in: 3209 Dear Ms. Bell, Enclosed please find copies of statements requested for James E Bell account. And again, please accept our condolences on your loss. Sincerely, Probate Servicing PRSTMNT at«t AT8tT Universal Rewards Card Charter Member JAMES E BELL Account 5491 1300 1697 4826 Calling Card + PIN April 17 • May 16, 2007 Quick Reference Minimum Payment Due ......................................... 5214.93 Due Date' ....................................... .............. June 11, 2007 'Pryment must be received by 5:00 pm too l time on the prymem due dnM. Credit Line ........................... ........... ................... $25.000.00 Available Credit .............................. .................... $10,929.00 Cash Advance Limit ....................... ...................... 9,000.00 Available Cash Advance Limit ....... ...................... $9.000.00 Account Summary P1eyiQUS_@afanca- 14,2~4.~t Paymenis_a~d9d~ustments_ -309.00 MasteL(,ard Activity 74.9.3 Intel AIB.LSentices 0.00 -- luew Rata~ce 514,070.54 Not_: Detailed activity starts on page 3. AT~~ . Page t of 5 Flow To Reach Us Visit; wwyv.univetsalcard.com Customer Service: 1.800.423-4343 or write Cardmember Services, PO Box 44167 Jacksonville, FL. 32231-4167 Your next Autop:ty automated payment of $200.00 will be deducted from your designated bank account on 06/11/2007. CASH WHEN YOU NEED IT -ft's easier than ever to get cash, up to your available Cash Advance Liimit. Tear off the attached check, deposit it into your bank account, or use it like any personal check. Convenience checks access the cash advance rortion of your r..redit line. Refer to your Card Aynsement for specific - - --' finance charges. Earn additional ThankYou(SM) Points when you use your AT&T Universal Rewards Card to book select travel on Expedia.com Pay your credit card bill online anytime. ft's easy, secure and free. Plus, you can schedule paymeniis in advance or pay by Spm ET on a weekday to post the same day! Sign in at uniiversalcard.com and select Make a Payment. date paid amount paid check tt Cltl' ATfiT and the ATfiI"globe design are trademarks of AT6T Knowfedqe Ventures, licensed to Ciflgroup Inc. Pleese follow payment Inshuctlons outlined In the "Important Instructions for f.lskrnq Payments" section or the statement. 05491130016974826999999214935216 54r91eY1300Mr1697 4826 Plras• EnNr Amount of Psymrnt Enclosrd Psymrnt Dur Drtr Y,Wr elrl BNrnte MYYrlllm Amrunl Due JUN 11 2007 $14070.54 $214.93 22F425 MC 00 A 1 JR24A0959 IlllllllllIII,....lllll,Ills,ll,I,I.,,I,Il,ll,ll„e.llllllllel I,Il,le.{leee1,Illl111,~111111,111111111111111,11,i1 JAMES E BELL AT&T UNIVERSAL CARD a 1504 LETCHWORTH RD PO BOX 183061 ti CAt.1P HILL PA 17011-7523 COLUMBUS, OH 43218-3061 Iltlllttilllllttltltlltltllllltlllllltellttlllltlrllltl,tlltll ( 1 1 1 •Ityeu psavW.n e-ma4 ,dens. ~~..meyu:-R is reoaa ya, ,dou Yrm NeW ome plan. er, NMKS nm• ,eca,nl. eye m,y al,0 use yew Tell eddrrs to ,end you tr.lerm.llen s[eaut pi educL• and :ervl[H you mignl and V:HuI ~ 1697 4826 b, 2007 AT&T Universal Card Page 2 0( 5 Your AT&T Universal Rewards Card corner with ThankYou~SM) Network, a no-fee rewards program that lets you gel ThankYou(SM) Points for tl~e lllings that you buy everyday! You can redeem points for a wide variety of rewards you'll really want. in the return envelope, please: 1 Make your check payable to AT&T Universal Card. Z Enclose your check or money order. Include your account number and name on the front of your check or money order. Please, no cash or foreign currency. 3 Enclose your payment coupon. Do not staple or tape it to your payment. Insert the payment coupon so that the entire AT~T Universe! Card address appears through the window of your remittance envelope. ... ~ i ._ ... .; t_ =~5 WOOF APPRAISAL GROUP me rvo. APPRAISAL OF A SINGLE FAMILY RESIDENTIAL HOME LOCATED AT: 1504 LETCHWORTH ROAID CAMP HILL, PA 17011 FOR: SHERRE M. BELL 1504 LETCHWORTH ROAD CAMP HILL, PA 17011 AS OF: JULY 5, 2007 APPRAISED VALUE: $145,000 BY: REYNOLD R. WOOF, JR. IFAS PA CERTIFIED GENERAL REAL ESTATE APPRAISER WOOF APPRAISAL GROUP Uniform Residential Appraisal Report File No. PVT8533 The purpose of this summer appraisal report is to provide the lenderlclient with an accurate, and ade uately supported, opinion of the market value of the subject property. Pro Address 1504 LETCHWORTH ROAD Ci CAMP HILL State PA Zi Code 17011 Borrower Owner of Public Record BELL, EDWARD & JAMES Coun CUMBERLAND Le al Descri tion RECORD BOOK 260 PAGE 1166 Assessor's Parcel # 13-23-0545-006 Tax Year 2006/2007 R.E. Taxes $ 1,785.45 Ne' hborhood Name HIGHLAND PARK Ma Refarence N/A Census Tract 3240-109 Oca t X Owner Tenant Vacant S dal Assessments $ NONE PUD HOA $ NIA oar near oar month Pro r R hts alsad X Fee Sim N Leasehold Other describe Asst nment T Purdiase Transaction Refinance Transadbn X Other desaiba MARKET Vf1LUE Lender/ClientSHERRE M. BELL Address 1504 LETCHWORTH ROFID, CAMP HILL PA 17011 Is the sub ct o r current offered for sale or has it been offered for sale in the twelve months for to the effective date of this appraisal? Yes X No Report data source(s) used, offering price(s), end date(s). OWNER AND MULTI-LIST VERIFIED. I did did not analyze the centred for sale for the subject purchase transacfion. Explain the results of the analysis of the mntrad for sale or why the analysis was not performed. N!A Contract Price $ Date of Contract Is the o seller the owner of ublic recerd? Yes No Data Sour s Is there any finandal assistance (loan charges, sale cencessions, gift or downpeyment assistance, etc.) to be paid by any parry on behalf of the borrower? Yes No • If Yes, report the total dollar amount and describe the items to be paid. $ Nots: Race end the raelal Itlon of tM rot hbarh ood are not a sisal faGars. NetglilYCf114od Ofaai'aa:4arfatics One-UnM Housing Trsnds One•Unk Nousing PreaeM Land Use% Location tJrben X Suburban Rural Ro Values X Increasin Stable Dedinin PRICE AGE One-Unit 100 % Built-U X Over 75% 2575% Under 25% DemandlSu Shorfa e X In Balance Over Su I 000 s 2-4 Unit % ~ Growth Ra id X Stable Slow Markedn Time X Under 3 mfhs 3-6 mths Ovar 6 mths 135 Low 55 Multi-Fami % Neighborhood BourMarbs THE NEIGHBORHOOD BOUNDARIES CONSIST OF HOMES IN THE AREP, 225 H' h 65 Commercial % ,•, COMMONLY KNOWN AS THE HIGHLAND PARK AREA OF LOWER ALLEN TOWNSHIP. 170 Red. 63 Other % Neighborhood Description THE SUBJECT PROPERTY IS LOCATED IN AN ESTABLISHED RESIDE NTIAL NEIGHBORH OOD COMPRISED PREDOMINANTLY OF SINGLE FAMILY HOUSES. EASY ACCESS TO EMPLOYMENT CEN TERS, SCHOOLS, SHOPPING AND TRANSPORTATION. Market conditions (Inducting support fur the above cendusions) AREA REAL ESTATE MARKET IS CONSIDERED TO BE MODERATELY ACTIVE. LOAN DISCOUNTS INTEREST BUYDOWNS AND OTHER CONCESSIONS ARE NOT TYPICAL IN THIS MARKET.CONVENTIONAL FINANCING IS READILY AVAILABLE. Dimensions NOT PROVIDED Area 0.14 ACRES Sha F;ECTANGULAR Yew TYPICAL S dficZonin Clessificalion R1 Zonin Descri lion SINGLE FAMILY EST/~BLISHED RESIDENTIAL Zonin Com !lance X Le al Le al Nonceniormin Grandfathered Use No Zonin Ills al describe Is the highest and best use of the sub)BCt property as improved (or as proposed par plans and spedficetions) the pre:;ant use? X Yes No If No, desaiba. Utllitles Public Other desaxlt>e Publle Other desalbe Off-cite Im ovements-T Public Private Electrid X Water X street MACADAM X Gas X Senile Sewer X Alle NONE FEMA eclat Fbod Hazard Nee Yes X No FEMA Flood Zone C FEMA Ma #4210168 HBrI-02 FEMA Ma Date 09/30/1977 Ne the utllitles and oft-site im ovements ice! for the market area? X Yes No ft No, describe. Ne there any adverse site conditions or external factors (easements, encroachments, envvonmental conditions, land uses, etc.)? Yes X No It Yes, desaiba. QENE DESGRIFTfIPN FOUNDATION EXTFJ210R DESGRIFTION materiaisfcenditlon INTERIOR meterielslcenditbn Units X One One with Accesso Unit Concrete Slab crawl S ce Foundation Walls CONC. BLKIAVE Floors CARPETIAVE. # of Stories 2 X Full easement Partial Basement Exterior Walls BRICKIAVE Walls PIASTER/AVE. T X Det. Att. S-Det.lEndUnit BasementNea 575 .ft. Roof surface FIBERGL.SH.IAVE TrirtdFinish PINEIAVERAGE X Fxistin Ro sad under Const. easement Finish SEE COMMENTS % Gutters 8 Downs routs ALUMINUM/AVE Bath Fbor VINYUGOOD Desi n S e 2 STORY X Outside En (Exit Sum I'um Window T WOOD D.H.IAVE Bath Wainscot CERAMICIAVE. Year Built 1943 Evidence of Infestation Storm Sastillnsul:cted STORMSIAVERAGE Car Store a None Effective a Yrs 20 X l7am ness X Settlement Screens Y ES Orivewa # of Cars Attic None Heatln X FWA HWBB Radiant Amenities WoodSrove s # Drivewa Surface MACADAM X Dro Slav Stags Other Fuel GAS Fie la s # X Fence X Gara e # of Cars 1 Floor Scuttb Conlin Central Ak Conditbnin X PatiolDeck Porch Car ort # of Cars Finished Heated Individual Other Pool X char SHEDS X Att. Det. Built-in lances Relit arator X Ran !Oven Dishwasher Ois sal Microwave Washer er Other describe finished area above ade contains: 6 Rooms 3 Bedrooms 'I Ba s 1 381 ware Feet of Gross LNin Nea Above Grade Additionalteaturas(spedalenergyeffidentitems,etc.). THE APPRAISED PROP'r_RTY CONTAINS MULTIPLE CEILING FANS AND A NEWER HI- .e EFF. GAS FURNACE. _ Describe the condition of the property (Inducting needed repaks, deterioration, renovations, remodeling, etc.). SEE ATTACHED ADDENDUM Ne there any physical deficiencies or adverse cenditlons that affect the livahility, soundness, w structural integrity of the properly? X Yes No If Yes, desaiba. SEE PRIOR COMMENTS. Does the properly generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)7 X Yes No If Nc, desaiba. EXCEPT FOR PRIOR COMMENTS. .,.,.y ~..,.,aw.a. oe..o..a,., ....aaww ~, ranma ieae rarm Tuff raarar axxr Papa 1 dfi 1W/ p508290a WOOF APPRAISAL GROUP Uniform Residential Appraisal Report File No. PVT8533 There are N/A comparable properties currengy offered for sale In the subject neighborhood ranging in price kam $ N/A to $ N/A There are 5 com table sales in the sub d n e hborhood within the st twelve months ten in in sale I~ trom $ 145,000 to $ 194.000 FFJ+iURE SUBJECT COMPARABLE SALE NO. 1 COMPARABLE SALE NO. 2 COMPARABLE SALE N0.3 1504 LETCHWORTH ROAD Address CAMP HILL 1604 LETCHWORTH ROAD CAMP HILL 1613 WYIVDHAM ROAD CAMP Hll_L 1607 CHATHAM ROAD CAMP HILL Roximi to Sub' ct 1 BLOCK 2 BLOCKS 3 BLOCKS Sale Rice $ $ 194 000 $ 145 000 S 170 500 Sale PdcelCross Liv. Area $ 0.00 s . fl. $ 99.95 . fl. $ 105.00 . fl. $ 104.41 . fl. Data Sour s MULTI-LIST SERVICE MULTI-LI:iT SERVICE MULTI-LIST SERVICE Verifiration Sour s COUNTY DATABANK COUNTY DATABANK COUNTY DATABANK VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION -)fnduamaa DESCRIPTION K-)f aeaaaa DESCRIPTION N-f 'uetmeni Sale or Financing Concessions CONVENTIONAL 0 DOM CONV W/HELP 17 DOM -1,220 CONVENTIONAL 2 DOM Date of SaleJTime 02/19/2007 10/03/2006 06/27/2007 Location SUBURBAN SUBURBAN SUBURBAN SUBURBAN laeseholdffee Sim le FEE SIMPLE FEE SIMPLE FEE SIMPLE FEE SIMPLE Site 0.14 ACRES 0.20 ACRES -3 000 0.21 ACRIES -3 500 0.11 ACRES +1 500 view TYPICAL TYPICAL TYPICAL TYPICAL Desi n S le 2 STORY 2 STORY 2 STORY 2 STORY goal' ofConstructlon AVERAGE AVERAGE _ AVERAGE= AVERAGE Actual a 64 57 57 65 Condition AVERAGE ABOVE AVE. -8 000 AVERAGE: AVERAGE Above Grade Tad ntrme sans Tsai edme sane Tdal Bdme. came taai ritrm. same Room Count 6 3 1 7 3 2 -5 000 6 3 1 7 3 2 -5 000 Goss L' ' Area20.00 1 381 . fl. 1941 . fl. -11 200 1 381 . fl. 1 633 . fl. -5 000 Basement a Finished RoomsBebwGrede FULL BASEMENT UNFINISHED FULL BASEMENT UNFINISHED FULL BASEMENT UNFINISHED FULL BASEMENT UNFINISHED Functional utlli AVERAGE AVERAGE AVERAGE: AVERAGE Heati lCoolin FHA/NONE FHA/CA -2 000 FHA/NONE FHA/NONE .' Ener Efficient Items HI-EFF FURN. THERMOPANES -2 000 HI-EFF FURN. NONE +1 000 tiara elCar ort 1 CAR GARAGE 1 CAR GARAGE 1 CAR GARAGE 1 CAR GARAGE PorchlPatlolDedc PATIO LARGE DECK -3 000 PATIO DECK -1 500 FIREPLACE NO FIREPLACE NO FIREPLACE 1 FIREPLACE -2 000 NO FIREPLACE EXTRA'S FENCE SHEDS FENCE +2 000 NONE +4 000 FENCE +2 000 ' COST TO CURE 18 000 NONE -18 000 SOME _ -9 000 NONE -18 000 ~ Net Ad stment Total + X - $ 50 200 + X - $ 11 720 + X - $ 25 000 Adjusted Sale Rice - oiCom ables Net Adj. -25.9% Gross Ad. 27.9% $ 143 800 Nat Adj. -E3.1 % Gross Ad. 13.6% $ 133 280 Net AdJ. -14.7% GrossAd'. 19.9% $ 145 500 I X did did not research the sale or transfer history of the subject property and comparable sales. If not, explain M research dW X did not reveal an riot sales or transfers of the sub ct o e for the three ears for to the effective date o(mis a sisal. Date sour s COUNTY DATA BASE. _ M research did X did not reveal an riot sales or transfers of the com table sales kr the ear for to the date of sale of the com table sale. Data sources COUNTY DATA BASE. Re the results of the research and ana sis of the for sale a transfer h isto of the sub' ct o and com fuable sales re rt additional for sa les on a e 3 . ITEM SUBJECT COMPARABLE SALE NO. 7 COMPARABLE SALE N0. 2 COMPARABLE SALE N0.3 Date of Rior Sale/Transfar N!A N!A SEE COMMENTS BELOW N/A Rice of Rior Sale/transfer Data sour s COUNTY DATA BANK COUNTY DATA BANK COUNTY DATA BANK COUNTY DATA BANK Effective Dete of Data Sour s NO DATE INDICATED NO DATE INDICATED NO DATE INDICATED NO DATE INDICATED Analysis of prior sale or transfer history of the subject properly and comparable sales THERE HAS BEEN NO TRANSFERS OF THE SUBJECT IN THE LAST THREE YEARS. SALE #2 RE-SOLD AFTER REPAIRS ON 01/04/2007 FOR $176 000 summary of Sales Comparison Approach. MARKET DATA OF CLOSED SALES WAS SUFFICIENT TO ARRIVE AT AN OPINION OF VALUE. CONDITION ADJUSTMENTS BASED ON MULTI-LIST DESCRIPTIONS OF UPGI~ADES ON COMPARABLE SALES. ALL SALES WERE CLOSED AND CONSIDERED EQUALLY WHEN ARRIVING AT MARKET `/ALUE. Indicated Value b Sales Com rison oath $ 145 000 Indicated Value b sales Com lson oath S 145 000 Coet oath If davalo S 14:5 900 Income oath it develo S N/A ALL THREE APPROACHES TO VALUE WERE CONSIDERED. HOWEVER MARKET AREA LACKS AN ADEQUATE NUMBER OF RENTAL SALES TO USE THE INCOME APPROACH. MOST WEIGHT WAS PLACED ON THE MARKET DATA APPROACH DUE • TO THE AGE OF THE SUBJECT. This appraisal is made X "as is;' subject to completion per plans and specifications on the basis of a hygrthetiral condition that the improvements have been completed, ^subJect to the folbwing repaFs or alterations on the basis of a hypothetical condition that Me repa'rs or alterations have been completed, a ^ subject to the following required a inspection based on the extraordinary aswmption that the condition or deficiency does not require alteration or repair: APPRAISED "AS-IS". Raced on a complete visual inapactlon of the Inlerlor and ezterlor areas of the cubJect property, defined scope of work, statement of assumptions and Iimitinp conditions, and appraiser's certiflcatlon, my (our) opinion of the market valuo, as defined, of the real property that is the subject of this report Is S 145,000 as of 07/05/2007 which is tM data of Ina ctlon end tM ettsctivs date rN this a sisal. •--. ---- ~.waa,a„q....,.aa.e, au <r.or<r waw.aawo can tame see ram taw roam zva; Papa 2 d 6 toe oS OBaAO6 Woof Appraisal Group WOOF APPRAISAL GROUP Uniform Residential Appraisal Report File No. PVT8533 STATEMENT OF ADDITIONAL LIMITING CONDITIONS AND ASSUMPTIONS: THIS APPRAISAL REPORT HAS BEEN PERFORMED FOR THE CLIENT INDICATED IN THE PRECEDING, WITH WHOM PROFESSIONAL STANDARDS REQUIRES ME TO MAINTAIN A STRICT REQUII~EMENT OF CONFIDENTIALITY. THE APPRAISER IS NOT A HOME INSPECTOR THE APPRAISER ONLY PERFORMED A VISUAL INSPECTION OF THE ACCESSIBLE AREAS AND THE APPRAISAL CANNOT BE RELIED UPON TO DI:iCLOSE CONDITIONS ANDlOR DEFECTS IN THE PROPERTY. I BY REASON OF THIS REPORT AM NOT REQUIRED TO GIVE TESTIMONY IN COURT WITH REFERENCE TO THIS APPRAISAL. IF ANYONE WISHES MY APPEARANCE IT CAN BE ARRANGED ONLY BY PRIOR ARRANGEMENT BEING MADE WITH ME. SUCH APPEARANCES SHALL BE MADE AS AN EXPERT WITNESS A.ND THE FEE FOR SUCH APPEARANCES SHALL BE AT THE RATE OF $125/HOUR PORTAL TO PORTAL, PLUS ANY REASONAB'~LE COST INCURRED BY ME. PURPOSE: THE PURPOSE OF THIS APPRAISAL IS TO ESTIMATE THE MARKET VALUE 01= THE FEE SIMPLE INTEREST IN THE TITLE OF THE PROPERTY. THE VALUE IS AS OF THE DATE OF THE APPRAISAL, WHICH IS THE DAY TFiE PROPERTY WAS LAST VIEWED IN ITS ENTIRETY AND PHOTOGRAPHED. - SIGNATURE: . THE ELECTRONIC SIGNATURE USED IN THIS REPORT ARE PROTECTED BY'THE APPRAISER AND ONLY THE APPRAISER HAS COMPLETE CONTROL OF THE SIGNATURE. ADDITIONAL CERTIFICATION: THE INTENDED USER OF THIS APPRAISAL REPORT IS THE LENDER/CLIENT. THE INTENDED USER IS TO EVALUATE THE PROPERTY THAT IS THE SUBJECT OF THIS APPRAISAL FOR A MORTGAGE FINANCE TRANSACTION SUBJECT TO THE STATED SCOPE OF WORK PURPOSE OF THE APPRAISAL REPORTING RECIUIREMENTS OF THIS APPRAISAL REPORT FORM AND DEFINITION OF MARKET VALUE. NO ADDITIONAL INTENDED USERS ARE IDENTIFIED BY THE APPRAISER. CQST APPROACH TO VALUE (not required by Fannie Mae) Provide ode uate information for the lenderldienl to ra licate the bebw cost urea end calculations. Support for the opinbn of site value (summary of comparable land sales or other methods for estimating site value) DUE TO THE 100% BUILT UP NATURE OF THE NEIGIiBORHOOD THE ABSTRACTION METHOD WAS USED TO VALUE THE SITE. ESTIMATED X REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE ........................................ _ $ 40 000 Source of cost data MARSHALL & SWIFT Dwellln 1,381 Sy. Ft. ~ $ 124.00............ _ $ 171 244 : Quali ratio from cost service AVERAGE Efiactive date otcost data 0612007 BSMT: 575 SOFT. 54 Ft. ~ $ 16.00............ _ $ 9 200 - Comments on Cost oath ass livin area calculations, de eclation, etc. PATIO SHEDS 5 460 SEE SKETCH ADDENDUM FOR BUILDING DIMENSIONS. Gera elCar rt 2;51 Ft. $ 24.00............= 8 5544 COST DATA OBTAINED FROM MARSHALL VALUATION Total Estimate of Cost-New ........... _ $ 191 448 SERVICE AND VERIFIED WITH LOCAL BUILDERS. Less 50 Pn sical Functional External De eciation $711 700 $18 000 = S 89 700 Da eciated Cost of Improvements ................................ _ $ 101 748 "As-is" Value of Site Improvements ................................ _ $ 4 200 Estirnaled Remeinin Ewnomic Life HUD and VA on 30 Years INDICATED VALUE BY COST APPROACH ...................... _ $ 145 900 INCOME APPROACH TO VALUE (not required by Fannie Mae) Esbmated MonMly Market Renl $ N/A X Gross Rent Multiplier N/A = $ NlA. Indicated Value by Income Approach ~ Summary of Income Approach (induding support for market rent and GRM) PROJECT INFORMATION FOR PUDe (If ap~pllcabla) Is Me deveb rrbuilder in control of the Homeowners' Aasociafbn HOA ? Yes No Unit s Detached Attached Provide the folMwin information for PUDs ONLY K the deveb rrbuilder is in control of the HOA end the sub' ct o e is an attached dwellin unit. Le al name of o' ct Total number of ases Total number of units Total number of units sold ~ Total number of units rented Total number oT units for sale Data source(s) Was the o ct seated b the conversion of an existin buiklin s into a PUD1 Yes No If Yes, date oi' conversion. Does the proled contain any multi~wellin units? Yes No Data sour s Are [he units, wmmon elements, and reaea6on facilities complete? Yes No If No, describe the status of completion. Ara the common elements leased to or by the Homeowners' Association? Yes No If Yes, describe ttie rental terms and optbns. Desaibe common elements and recreational fadlities. Fre°OB MBC f-am ro Mertll POS nmwsa umnp Mx aox~ws, au pa.ur[r www.arxeo.can, ~+~.,~ ... ~.,,, •,•••.,. ~, .,•,•, Paae3ate 1W/ o5081B06 WOOF APPRAISAL GROUP Uniform Residential Appraisal Report Fire No. PVT8533 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, addition;:, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permiled. 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. 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 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. dolllars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for flee 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. :ipecial 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 transaciion. 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 appraier's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, except for information that Fie or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the: subject property or that he or she became aware of during the research involved in performing this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be performed in a professional manner. WOOF APPRAISAL GROI:iP Uniform Residential Appraisal Report File No. PvT8533 APPRAISER'S CERTIFICATION: 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. t 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. 1 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. l have knowledge and experience in appraising this type of property in this market area. 12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions furnished 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 1 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 conditionns 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 riot 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 taw. 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 Hrere set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in 1:he performance of this appraisal or the preparation of this appraisal report, I have named such individuals} and disclosecl the specific tasks performed in this appraisal report. i certify that any individual so named is qualified to perform the tasks. I h<~ve 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. WOOF APPRAISAL GROUP Uniform Residential Appraisal Report Fi1aNo. PVT8533 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 :>ponsored 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 mer or the lender/client may be subject to certain taws 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 any one 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 reconiings), 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 misrepresentation(s) contained in this appraisal report may result in civil liability andlor 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 rertifies and agrees that: 1. 1 directly supervised the appraiser for this appraisal assignment, have read lihe appraisal report, and agree with the appraiser's analysis, opinions, statements, contusions, 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 asub-contrator 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 SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature yy~ ~'''iG'~ Name REYt~OLD R. WOOF, JR. IF~AS Company Name WOOF APPRAISAL GROUP Company Address 302 S. FRONT STREET WORMLEYSBURG, PA 17043-1338 Telephone Numbar X717) 975-9411 Email Address REYWOOFCaDAOL.COM _ Date of Signature and Report 07!06/2007 Effective Date of Appraisal 07/05/2007 State Certification # GA-000002-L or State License # or Other (describe) State # State PA Expiration Date of Certification or License 06!30/2009 PA CERTIFIED GENERAL REAL ESTATE APPRAISER ADDRESS OF PROPERTY APPRAISED 1504 LETCHWORTH ROAD CAMP HILL, PA 17011 APPRAISED VALUE OF SUBJECT PROPERTY $145,000 LENDER/CLIENT Name Company Name SHERRE M. BELL Company Address 1504 LETCHWORTH ROAD CAMP HILL, PA 17011 Email Address Signature^ Name Company Name _ Company Address Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License SUBJECT PF20PERTY ^Oid not inspect subject property ^Did insper:t exterior of subjet property from street Date of Inspection ^Did insper.K interior and exterior of subject property Date of In;spetion COMPARABLE SALES Did not inspect exterior of comparable sales from street Did inspect exterior of comparable sales from street Date of In;>pection iooa osmnoa Woof Appraisal Group WOOF APPRAISAL GROUP Uniform Residential Appraisal Report File No. PVT8533 FEATURE SUBJECT COMPARABLE SALE N0.4 COMPARABLE SALE N0.5 COMPARABLE SALE N0.6 1504 LETCHWORTH ROAD Address CAMP HILL 1504 CHATHAM ROAD CAMP HILL 1605 CHATHAM ROAD CAMP HILL Roximi to Sub' ct 1 BLOCK 3 BLOCK:i Sale Rice $ $ 177 000 E 185 000 S sale RiwK'xoss Lb. Area $ 0.00 . n. E 128.17 . ft. E 116.50 . ft. E n. Data Sowce s MULTI-LIST SERVICE MULTI-LIST SERVICE Verification Sow s COUNTY DATAB ANK COUNTY DATAB ANK VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION .- s •a DESCRIPI"ION H- Sn uaaeW DESCRIPTION ~15 aaaam sale w Finangng Concessions CONV W/HELP 1 DOM -500 CONVENTIONAL 8 DOM DateotSeleRime 07/31/2006 O6/15/200ir location SUBURBAN SUBURBAN SUBURBAN LeaseholdlFae Sim le FEE SIMPLE FEE SIMPLE FEE SIMPLE Site 0.14 ACRES 0.16 ACRES -1,000 0.26 ACRES -6 000 Yew TYPICAL TYPICAL TYPICAL _ Des' n S le 2 STORY 2 STORY 2 STORY Ouali of0onstrudion AVERAGE AVERAGE AVERAGE Actual a 64 60 60 Condition AVERAGE ABOVE AVE. -8 000 ABOVE AV'E. -8 000 Above Grade Taal Brims. Banta Tohl BaYma. Ba6u, Trial Brims Betha Taal aQmS. Banta Room Count 6 3 1 6 3 1 7 3 1 Gross L~ ~ Area 20.00 1 381 . rt. 1 381 . n. 1 58.8 . rt. -4 100 . n. Basement & Finished Rooms Below Grade FULL BASEMENT UNFINISHED FULL BASEMENT REC. ROOM -2 500 FULL BASEMIENT UNFINISHED FuncnonalUtili AVERAGE AVERAGE AVERAGE Heatin Cooiin FHAlNONE FHAlCA -2 000 FHAJCA -2 000 Ener Elhcient Items HI-EFF FURN. NONE +1 000 NONE +1 000 Gera e/Car rt 1 CAR GARAGE 1 CAR GARAGE 1 CAR GARAGE PorchlPatiolDedc PATIO LARGE PATIO -1 500 PAT10 FIREPLACE NO FIREPLACE 1 FIREPLACE -2 000 NO FIREPLACE EXTRA'S FENCE SHEDS NONE +4 000 FENCE SHIEDS COST TO CURE 18 000 NONE -18 000 NONE -18000 Net Ad ustment Total + X - $ 30 500 + X - E 37 100 X + E 0 ~ Adjusted Sale Rice of Co rarables ~ Net Adj. -17.2% Gross Ad. 22.9% E 146500 Net Adj. -20.1 % Gross Ad' 21.1% E 147900 Net Adj. Gross 0.0% 0.0% E 0 ITEM SU BJECT COMPARABLE SALE N0.4 COMPARABLE SALE N0. 5 COMPARABLE SALE N0.6 • Date of Rlor Sala(Trans(er N!A N/A N/A Rlce of Rior Sale/transfer Data Sow s COUNTY DATA BANK COUNTY DATA BANK COUNTY DATA BANK • Effective Date of Data Sour s NO DATE INDICATED NO DATE {NDICATED NO DATE INDICATED Summary of Sales Comparison Approach fie8•a Mac F01111 TO Merd~ 1006 r+auua uwp ACI wlMwa, 800.131.BrZ/ aww.mwp.c5m Yamla MBa Faln 169r survi 11W 1W/ 05082606 ADDENDUM Borrower: File No.: PVT8533 Property Address: 1504 LETCHWORTH ROAD Case No.: City: CAMP HILL Slate: PA Zip: 17011 Lender: SHERRE M. BELL Condition of the Property THE APPRAISED PROPERTY IS IN AVERAGE CONDITION FOR ITS AGE ANID HAS BEEN FAIRLY MAINTAINED. ORIGINAL KITCHEN WITH 9X9" TILE FLOOR. THE PROPERTY HAS SEVERAL ADVERSE CONDITIONS. WATER LEAKAGE INTO THE BASEMENT HAS DAMAGED THE FINISHED AREAS. THEREFORE, THE PRIOR RECREATION ROOM AND POWDER ROOM HAVE NEGATIVE VALUE DUE TO THE COST T'O REMOVE THE DAMAGED IMPROVEMENTS. THERE HAS BEEN SETTLEMENT IN THE GARAGE FLOOR AND A ONE STORY TALL CRACK IN THE HOUSE WALL, VISIBLE IN THE GARAGE. THE CONCRETE DRIVEWAY APRON AND THE SIDEWALK AT THE DRIVEWAY HAS ALSO CREAKED AND SETTLED BELOW ITS NORMAL HEIGHT. PRIOR ROOF LEAKS HAVE CRACKED SEVERAL WALL AND CEILING AREAS ON THE SECOND FLOOR. A GUTTER LEAK HAS CAUSED WATER DAMAGE TO THE FRONT DOOR FRAME. THERE IS ALSO SOME ROTTED VVOOD IN THE GARAGE DOOR FRAME. THE ESTIMATED COST TO REMOVE THE MOLDED AND ROTTED BASEMENIT FINISH, CORRECT THE WATER INFILTRATION INTO THE BASEMENT, REPAIR THE GUTTER, REPLACE THE DAMAGED EXTERIOR WOOD, AND CORRECT THE SUNKEN CONCRETE IS ESTIMATED TO COST ABOUT $18,000. WITH THOSE CORRECTIONS THE APPRAISED PROPERTY WOULD STILL ONLY BE CONSIDERED IN AVERAGE CONDITION WITH LIMITED UPDATING. NO OTHER FUNCTIONAL OR EXTERNAL INADEQUACIES NOTED. Addendum Page 1 of 1 JVDJCV i rrcvrcrt i t rn~ ~ v Nuwcrvuuir~ Borrower: _ ile No.: PVT8533 Property Address:1504 LETCHWORTH ROHU lase No.: City: CAMP HILL State: PA Zip: 17011 Lender: SHERRE M. BELL i ,~ ~ ,~.. ,;.~..;r~ 'm s t ~ ~3 v, t '~ ~ ''r~ `~'~ '.~ yam,... '~ ~ ~. ~~ r., 4 ~,. ,-~ .~ N', FRONT VIEW OF SUBJECT PROPERTY Appraised Date:JULY 5, 2007 Appraised Value: $145,000 REAR VIEW OF SUBJECT PROPERTY STREET SCENE ~.vrv~rr~rtiw~~c r~~wrci~ ~ rnv ~ v i~uuco~a,u~w Borrower: __ _ ____ `le No.: PVT8533 Property Address: 1504 LETCHWORTH ROHM vase No.: C~ CAMP HILL ___ State_PA Zip: 17011 Lender: SHERRE M. BELL COMPARABLE SALE #1 1604 LETCHWORTH ROAD CAMP HILL Sale Date: 02/19/2007 Sale Price: $ 194,000 COMPARABLE SALE #2 1613 WYNDHAM ROAD CAMP HILL Sale Date: 10/03/2006 Sele Price: $ 145,000 COMPARABLE SALE #3 1607 CHATHAM ROAD CAMP HILL Sale Date: 06/27/2007 Sale Price: $ 170,500 lrVlWl1'Y\rYtiDL.L° YR\J Y"Ct<I ! i'lill I V t\L/iy L"i1V L/N 1Y1 Borrowar: _ _ _ _________ ___ le No.: PVT8533 PropeityAddress:1504 LETCHWORTH ROf~~~ _ .;ase No.: City: CAMP HILL ,_____ _,__ Stai:e: PA Zip: 17011 Lender: SHERRE M. BELL .:~. . L_ ~~) .t COMPARABLE SALE #4 1504 CHATHAM ROAD CAMP HILL Sale Date: 07!31/2006 Sale Price: $ 177,000 COMPARABLE SALE #5 1605 CHATHAM ROAD CAMP HILL Sale Date: 06115/2007 Sale Price: $ 185,000 COMPARABLE SALE #6 Sale Date: Safe Price: $ FLOORPLAN Borrower: _ File No.: PVT8533 Property Address:1504 LETCHWORTH ROAD _ Case No.: City: CAMP HILL _ State: PA Zip: 17011 Lender: SHERRE M. BELL 25.0' 11.0' 36.0' eath Kitrlren o ~a0e b rv Living Room r i°i N Bedroom Bedroom Dining Room Bedroom ~t.a a n.a 25.0' 25.0' ~ Patio ° 10.0' Sketch by Apex IV Windows"" Code AREA CALCULATIONS SUMMARY Description Size Totals GLAl Firet Floor 575.00 575. DD GI.A2 Second Floor 006.00 806.00 BsidT Basement 575.00 575.00 P/P PATIO 80.00 00.00 GAR Garage 231.00 231.00 TOTAL LIVABLE (rounded) 1381 LIVING AREA BREAKDOWN Breakdown Sulkotals Sirat Sloor 23.0 x 25.0 575.00 Second Floor 23.0 x 25.0 575.00 11.0 x 21.0 231.00 3 Areas Total (rounded) 1381 4pCATlO~P Idress 1504 LEA 41'"""" " " -' iERRE M• BELL ~~ W .fl-•- '-fie``""'-z ~ ~~„5 n~Y• ~~? tQ ~ ~ a ~ ~~~~' 53'' ~ ••~ ~ ~ a S? ~~ ~ ~ ~d f~ d f5` 49' 'Yiy ~p~ '' ~. ~1G' G~tti31' ~ ~,. .y ~o py ~r `- A ~' ~ > +° PZ " P '~ $ ~ ~ ~ of ~awa~ ~ ~~ ~.~ y'~` d d `~~ ~ ~ ~ 6 ~ 1~ °~ ~, ~o 4 \ ~ ~ en -' •- ~~~J ~ 1 ,y. 1854' ~ ~~~,ti. ~~ ~1Yr$YYfZ~o~ A (a 4 ~ ~ Gd p '`moo w ~ ~ ~ ~ ~ ~ '. ~; ~ ~ 7~c1w.t1.7 m ~~XYc '~ aft. ~ .~"",---.,,_ ~ ~ ~c x d 4 ti ~. ,~ O I4~ ~ ~+ 'ss P~ *~ ~ ~4 ~ ~ ~ ~ ~ ~ ~j> 7~S ~ ~ ~~ ~ ~ A ~s~ `~ ~ ~ ~. ~ a ~ ~~~. ~ ~ o g s`' r~ ~ ~ ~ ~ ~~r h~ ~ ~ ~ .' ~ ~ M ¢+ ~.~'~ O ~ 9 r~ ~ ~ -, x o ~ ~. o~~~` • ~ ~,g 2oTN ~c'~ ~.~qgT $' ~ 'YET J ~~. ~~,~ ~ p~ ~ ~ 'Spey ~~~ ~ ~, c PENNSYLVANIA, ~ !~ ~yD~ J 7656' ~ ~~, ,~,~~ ~~T O ~; ~ t,, Q a ffpp S ~ v x ~ ~`` µ~4 ~ ~~ •p tS~h~K ~ 7 ~ ~ ~~ ~ ~ '~ ~ o ttrva~ s '~ '~~: y~.~°~' o z ~j y `~ ia~ . ~ ~ -__------_ ~r.-o-z a ~ s zaTN ______.. _--- WOOF APPRAISAL GROUP File No. PVT8533 File Number: PVT8533 SHERRE M. BELL 1504 LETCHWORTH ROAD CAMP HILL, PA 17011 Borrower Invoice # : PVT8533 Order Date : 07/02!2007 1504 LETCHWORTH ROAD CAMP HILL, PA 17011 APPRAISAL $ 300.00 ---- ---------- Invoice Total $ 300.00 Deposit ($ 300.00 ) Deposit ($ ) Amount Due $ 0.00 Terms: PAID IN FULL Please Make Check Payable To: NJA Fed. I.D. #: TAXING AUTHORITY: WEST SHORE SCHOOL DISTRICT TAX YEAR: 2007-08 REAL ESTATE TAX NOTICE LOWER ALLEN TOWNSHIP PAYABLE BONNIE K. MILLER (7171975.7575 PROPERTY ID TO; 1983 HUMMEL AVENUE 13230545006 CAMP HILL, PA 17011-6938 ASSESSED VALUE 125,940 TAX SCHOOL • HOMESTEAD EXCLUBION 0 E 10.2 RAT ON OR BEFORE FACE OATS AFTER PENALTY DATE FARMSTEAD EXCLUSION REBATE 1,258.90 09/01/2007 1,258.90 0 FACE 1,284.59 11/01/2007 1,284.59 NET ASSESSMENT PENALTY 1,413.05 11701/2007 1,413.05 125,940 To: BELL, EDWARD M 8 JAMES E BELL 8 SUSAN E SCHLUPP 1504 LETCHWORTH ROAD CAMP HILL PA 17011 FOR: 1504 LETCHWORTH ROAD HIGHLAND PARK BILL DATE - 07101/2007 BILL # 015121 DEDNQUENT BILLS ARE TURNED OVER 70 TAX CLAIM ON 11/71/2007 TAXPAYER'S COPY TAX YEAR: 2007-08 REAL ESTATE TAX NOTICE INSTALLMENT PAYMENT 3 LOWER ALLEN TOWNSHIP PAYABLE BONNIE K. MILLER (7171975-7575 PROPERTY ID TD: 7893 HUMMEL AVENUE CAMP HILL, PA 17011-5918 13230545006 TAX SCHOOL-INSTALLMENT PAYMENT3 RATE 10'2 ON OR BEFORE FACE DATE AFTER PENALTY DATE FACE 428.21 10/31/2007 428.21 PENALTY 471.03 10/31/2007 471.03 TAXING WEST SHORE SCHOOL DISTRICT AUTHORI~fY NET ASSESSMENT 125,940 FOR: 1504 LETCHWORTH ROAD HIGHLAND PARK TO: BELL, EDWARD M d JAMES E BELL d SUSAN E SCHLUPP 1504 LETCHWORTH ROAD IF DUE DATE IS MISSED, INSTALLMENT MUST BE PAID AT PENALTY. BILL DATE - 0710112007 DUE DATE - 10/3112007 BILL # 015121 DELINQUENT BILLS ARE TURNED OVER TO TAX CLAIM ON 11131!2007 TAXPAYER'S COPY TAX YEAR: 2007-08 REAL ESTATE TAX NOTICE INSTALLMENT PAYMENT 2 LOWER ALLEN TOWNSHIP PAYABLE BONNIE K. MILLER (717) 876-7b7b TO: 188] HUMMEL AVENUE PROPERTY ID CAMP HILL, PA 17011-6838 13230545006 TAX SCHOOL-INSTALLMENTPAYMENT2 RATE 1 O.2 ON OR BEFORE FACE DATE AFTER PENALTY DATE FACE 428.19 09/30/2007 428.19 PENALTY 871.01 09/30!2007 471.01 TAXING WEST SHORE SCHOOL DISTRICT AUTHORITY NET ASSESSMENT 125,940 FOR: 1504 LETCHWORTH ROAD HIGHLAND PARK TO: BELL, EDWARD M d JAMES E BELL d SUSAN E SCHLUPP 1504 LETCHWORTH ROAD IF DUE GATE IS MISSED, INSTALLMENT MUST BE PAID AT PENALTY. BILL DATE - 0710112007 DUE DATE - 09/3012007 811E # 015121 DELINQUENT BILLS ARE TURNED OVER TO TAX CLAIM ON 1 213112 0 0 7 TAXPAYER'S COPY TAX YEAR: 2007-08 REAL ESTATE TAX NOTICE INSTALLMENT PAYMENT 1 LOWER ALLEN TOWNSHIP PAYABLE BONNIE K. MILLER 17171875-7575 TO: 1891 HUMMEL AVENUE PROPERTY ID CAMP HILL, PA 17011.6818 13230545006 TAX SCHOOL-INSTALLMENT PAYMENTI RATE 1 O.2 UN OR BEFORE FACE DATE FACE 428.19 08/30/2007 428.19 TA%ING WEST SHORE SCHOOL DISTRICT AUTHORITY FOR: 1504 LETCHWORTH ROAD HIGHLAND PARK TO: BELL, EDWARD M d JAMES E BELL d SUSAN E SCHLUPP 1504 LETCHWORTH ROAD NETASSESSMENT 125,940 WEST SHORE SCHOOL DISTRICT Pao To: REAL ESTATE TAX NOTICE BONNIE K. MILLER (7171975-7575 BILL # 015121 1983 HUMMEL AVENUE CAMP HILL, PA 17011-5939 13230545006 LOCATION OF TAXED PROPERTY SCHOOL TAXES PAID AT ASSESSED VALUE 125,940 10 2 ^ ^ ^ HOMESTEAD E%CLUSK)N . REBATE FACE PENALTY 0 09/01/2007 1 258 90 REBATE FARMSTEAD EXCLUSKN , . 0 11101/2007 1,284.59 FACE NET ASSESSMENT 11/01/2007 1,413.05 PENALtt 125,940 WEST SHORE SCHOOL DISTRICT BELL, EDWARD M 8 JAMES E BELL d SUSAN E SCHLUPP 1504 LETCHWORTH ROAD CAMP HILL PA 17011 BILL DATE • 0710112007 REBATE • 08/0112007 FACE -11!01!2007 TAX YEAR: 2007-08 TAX COLLECTOR'S COPY REAL ESTATE TAX NOTICE Pao ro: BONNIE K. MILLER (7171978-7575 BILL # 015121 1993 HUMMEL AVENUE CAMP HILL, PA 17011-5838 13230545006 LOCATION OF TAXED PROPERTY 1504 LETCHWORTH ROAD SCHOOL -INSTALLMENT PAYMENT 3 TAXES PAID AT ^ ^ 10.2 FACE PENALTY 428.21 On or Before 10/31/2007 428.21 FACE 471.03 AN•r 10/31f2007 471.03 PENALTY WEST SHORE SCHOOL DISTRICT BELL, EDWARD M 8 JAMES E BELL d SUSAN E SCHLUPP 1504 LETCHWORTH ROAD CAMP HILL PA 17011 NET ASSESSMENT 125,940 Blll. DATE - 07101/2007 DUE DATE -1 013112 0 0 7 TAX COLLECTOR'S COPY REAL ESTATE TAX NOTICE PAID TO: BONNIE K. MILLER (7171 87 6-7 67 6 BILL # 015121 189] HUMMEL AYENUE 13230545006 CAMP HILL, PA 17011-6838 LOCATION OF TAXED PROPERTY 1anA I s=TruwnRTU anon SCHOOL -INSTALLMENT PAYMENT 2 TAXES PAID AT ^ ^ 10.2 FACE PENALTY 428.19 On or B•fora 09/30/2007 428.19 FACE 471.01 Afl•r 09/30/2007 471.01 PENALTY WEST SHORE SCHOOL DISTRICT BELL, EDWARD M d JAMES E BELL d SUSAN E SCHLUPP 1504 LETCHWORTH ROAD NET ASSESSMENT 126,940 BILL DATE • 07/01/2007 DUE DATE - 09/3012007 TAX COLLECTOR'S COPY REAL ESTATE TAX NOTICE PAID TO: BILL # 015121 BONNIE K. MILLER (7171975-7575 1993 HUMMEL AVENUE 13230545006 CAMP MILL, PA 1 7 011-6 819 LOCATION OF TAXED PROPERTY 15061 FTf`11WnRTN Rnen SCHOOL -INSTALLMENT PAYMENT 1 TAXES PAID AT 10.2 FOE 423.19 On or Befor• 08/302007 428.19 FACE WEST SHORE SCHOOL DISTRICT NET ASSESSMENT BELL, EDWARD M 125,940 d JAMES E BEII d SUSAN E SCHLUPP 1504 LETCHWORTH ROAD