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08-04-08 (3)
~No. 08-086 Paoe #E1 APPRAISAL OF REAL PROPERTY LOCATED AT: 3101 N, 3rd Street Deed Book K065 Page 462 Harrisburg, PA 17110 FQR: PA Guardianship Association, Inc. P, O. Box 7295 Lancaster, PA 17604 AS OF: 6/05/2008 BY: Pamela M. ReilenbaCh Pa C®rtified General Real Estate Appraiser Pamela M. Reitenbech, ING. 5113 Circle Drive Harrisburg, PA 17112 Form GA5 - "WInTOTAL" appraisal software by a la mode, inc. -1.800-ALAMOOE ~!T ~C1H.J nrr~u ,ri i,-.i~,r... June 13, 2008 Pamela M. Reitenb®ch, INC. 5113 Circle Drive Harrisburg, PA 17112 Mr. Brian D. Brooks, President Pennsylvania Quardianshlp Association, Inc. P. O. Box 7296 Lancaster, PA 17604 Dear Mr. Brooke: Pursuant to your request, t have prepared a Summary Report for the property captioned in the "Summary of Salient Features" which fellows. The accompanying report is based on a site inspection of improvements, investigation of the subject neight~orhood area of Influence, and review of sales, cost and income data for similar properties. This appraisal has been made with particular attention paid to the applicable value influencing economic conditions and has been processed in accordance with nationally recognized appraisal guidelines. The value conclusions stated herein are as of the date of inspection as stated in the body of the appraisal and contingent upon the certlflcationa and limiting conditions attached, Please contact ma, if I can be of addltlonal service to you. Respectfully, Pamela M. Reitenbach PA Certified general Real Estate Appraiser Form DCVR - "WinTOTAL^ appraisal software 6y a la mode, Inc. -1-800-ALAMODE File No.~ 4~~Y SUMMARY OF SALIENT FEATURES Subject Address 3101 N. 3rd Street Legal Description Deed Book KOfi5 Page 462 CnY Harrisburg County Dauphin State pA 21p Code 17110 Census Tract 25420-0209.00 Map Reference ADC 3008, F3 Sale Price g N,q Date of Sale NA Bon'awer NA Lender/Client PA Guardianship Association, Inc. S+Ze (Square Foot) 1,653 Prlee par Square Fool $ Locatlon Average A4e 78 Years Condition Fair Total Rooms g Bedrooms 3 Baths q Appraiser Pamela M. Reitenbach, PA Certified General Real Estate Appraiser Date of Appraised Value 6/OSi2008 Opfnlon of value $ 4,000 Form SSD2 - °WInTOTAL" appraisal software by a la mode, Inc. - t-B00-ALAMOOE 9Z ~Stid DSSd dIHSNdIQ~Idf1J dH ancc~~~l r~ ra r- •n~ nnn~ ~rT r, ~, Pamela Reltenbach UNIFORM RE DE REPORT Flt. No, Fil Ho, 08-0&6 Pa a ~4 1 Nelgnbornoad or Pf~Ject Name latn_wardlCity of Harrisburfl _ Map,Reference ADC 3006. F3 ~_, us Tract 25420-0209.00 Sale Prigs $ NA ppte of Sale NA _ cd ion and_S_amourtt of loan char~es/eoneesslons tq he pals pv salter ,None _ ^_. e der Cllarn PA Guardianship Assocjatlon, Inc. Address P. O. Box 7295. Lancaster,,PA 17804 ~J A ser Nameta nn. Reitenbach Address 5113 Circ le Drive Harrisbur PA 17112 Locadan Urban ;, Suburban _, Rural Predominent nee am y ousi prs~erd fend uea % Lend uea Chang. PRIDE AGES -'- " Bultt u p ~ Over 7596 ( ; 25.75% I ~ Under 25% occupancy S(000) (yrs) One family 93 "~ Not likely I ~ Likely Growth rate ~.] Rapid ~ Stable ~ -' Slaw ~ Owner 20 Low 50 2-4 family 2 . ~_ I In process _ Property values (~__ Incroasing ~ Stabfe ~_j Declining ~ Tenant 200+ I~' 110+ Muld-family 1 To; ' - Demand/supply (~ ,i Shortage ~ In balance ! ~ Oversupply ~ Vacant(0.5%) Pred ominant Commercial 4 _ _ __ .,_ Marketi_ e f Un~~f 3 mos. SCI 3-6 mos. I I Over, s. Vac. 50-80 _ 80+/- ~ _ _ _ Mots: Raoe and the raolal composition of the net4hftorhood ere not appraisal factors. - ~' - Neighborhood bouRdarles and characterlstlcs~ Subject is located.in the 14th ward in the City of Hbn. west of Cameron St, east. of the_Susguehanna ~~ River north of Division Stroet and south of Susquehanna Township. _ _ Factors that affect the marketability of the properties In the neighborhood (proximity to employment and amenities, employment stab;liry, appeal to market, etc.): Subject has access to all necesaa su .ortina facitities_including schools. parks, transportation shopping and houses or workship, E:m to ment stabilitLr is good due to the State Capitol In Harrisburg the County Seat of Harrisburg and the surrounding east and west shore areas. Av_erafle property majntenance pragre_ms observed. Revitalization of properties is occuring,vvithintbe area. ,,,-_ Market condldons In the subject neighborhood (including support for the above conclusions related to the trend of property values, demand/supply, and marketing time _ -- such as data on competitive properties for sale in the neighborhood, description of the prevalence of sales and tlnancing concessions, etc.)' Local market conditions ark stable with properties topically selling under,the 120 day period~if property priced and mark~ftted._ Financing _ acka es are varied with mostt conventional and VA/FHA tinancina„ Seller assistance is occuring. Due to increased inventory some areas_ aro ex riencing longermarketing periads_ and/or seller,oonCessians. ,_. _ _ ~~ Project Intonnetlon for PUDa (tt applicable) - - Is the developer/bullder in corrlml of the Nome Owners Association (HOA)? ,Yes I Na _ Approximate total number of units In the subject project _ Approximate total number of units tar sale In the subject project _ - D ttbe common meets and rocre ' Hal facllttlas; Dimensione Phaase see_ enclosed IeQal description_ ^„ Topography Generailly level _ ~^ Site area 0.088 Acre _„ -Comer Lot ~ Yes ~_ ; No Site AveraQEa for area Specific zoning classitlcatlon and description ,RSD -Residential Semi-Detached Zone _ Shape rectar~ular - Zoning compliance ~ Legal ~ ] Legal nonconfo_r_m_ing (Grantlfathered use) ._~ Illegal L.. ~ Na zoning Drainage A ear._Adeouate _ _ _, b bed use as imorrned___. Prosant use Other u~.~ ex lain View , residen4ial Utllttlea Puuljc Other t71f-shelmprovemsnts Type Public Private Landscaping Over Grown/Mature __ _ .-____ ElectrtClry ~ ,_ Street Paved _ _ O{f ~ _~ Driveway 5urtace Macadam Gas ~ __ Curh/gutter Concrete - _ ~ ~ „_J Apparent easements Standard, udtity _ - Water ~ _,: _ Sidewalk Concrete - [ ] ~ FEMA Special Flood Hazard Ansa Q~ Yes I I No Sanitary sewer ~ Street lights Present __. ~i ;~] FEMA Zone A16,& B Map Date Mav 2 197.7 tortTt se _„ Alley. Rear_ _ _ , ,___~, ._ FEMA Map Na. 4203800001A ____ _ CammeRts (apparent adverse easemems, encroachments, special assessments, slide areas. illegal or legal nonconforming zoning use, etc.)' There are no a anent site conditions or non-utilit easements or conditions that would adversefy affect maric__etability and use. Protaerty_.js located within a deal Hated flood zone area flood insurance would be re wired. See Addenda GENERAL DESCRIPTION 'EXTERIOR DESCRIPTION FOUNDATION 9ASEMENT INSULAT10N No, of Untts 1 _„~ Fauntlatlon Stone/Block _ Slab NA Area Sq. Ft. ~ 87:5„ Roof ___- ~ No. of Stories 2 Exterior Walks Brick, Stucco Crawl S acs NA % Finished 0 Collin ~ P ... _. 9 -._. r .. Type (Dot./Aft) Attached Roof Surface Shingle Basement Fult _ Celling Exposed - Walls ~____- ~,~ ^ ~ Walls StoneBlock_ Floor __,_ ~ Design (Style) 2-Story Guitars a Dwnspts. Gav SVAIUm Sump Pump Floor Drain Window Type Wd Dble Hung Dampness Present Floor Concrete None _,___ ;. I ExistlnglPraposed Existing _ Age (Yrs.) 78 5tormlScroens Partial, _ Settlement Due to A e Outside Entry Yes ~_ Unlmawrt ~_~ ~ tfecily a ro. 50+ Manuf red Hous No Infestatlon None Observed ROOMS er _ n Inln Kftchen Den Family_ m. Red.. Beds # Ba, . Leung 0th a 5 . FL B ant _- _-- _-- 875 Lave _ 1 1 1 _ _ _ _ __ __ 778 evel 2 .-.. 3 _ ~ _-, _ r -_-875 Flnis d area above rode antains; fi Rao s' 3 Bedroom s • 1 Bath s ~ 1 653 S are Feet of Gross Liviny Area INTERIOR Materials/Condition HEATING KITCHEN EQUIP. ATTIC AMENITIES C,4R STORAGE: Floors Wd, Lam, VinlFair _ Type H, Water Refrigerator ~. ~ None , ..~ Fireplace(s) #~. ' ~ None ~ ..~ Walls Plaster/Panel/Fair Fuel Gas Range/Oven ~ Stairs I~ Pado -.,_~^ (,~; Garage # of cars Tr1rNFinish Wood/ Fair G4 tlon Unknown plsposai I__. ~. Drop Stair ~,_ ; Deck ~, _.,___ [ ' Attached ~ i_~ Uetaehad 3 Car Bath Floor vin I/v Fair COOLING Dishwasher ;_! Scuttle r_J~ Porvh Encl & Rear._ Built-In ~-__ _ Central None Fan/Hood ,_._~ Floor ;~_ Fence Chain Link ~ Bath Wainscot Ceramic TileiFair _ _ _ ~ Heated r___I Pool_ r ~_; Carport „_.____ Doors Woodl_Fair Other _None _ Microwave [ _ Co dlNon NA Washer er ~ Flnishe 1 Driveway Macadam ~ Addhlonal features (special energy efficient hems, etc.); Typical for aAe of Home. ~ _~_ Condhlan of the improvements, depreciation (physical, lunctlanal, and external), repairs needed, quallry of construction, romodeling/addftlons, etc,; Adverse environmental conditions (such as, but not limited to, hazardous wastes, toxic substances, etc.) present in the fmpravemerrts, on the site, or In the Immediate vicinity of the subject property,; There are no known or appar9nt_adyerse environmental conditions that would na~atiyely impact on the sale of the ro art .See Addenda Freddie Mac Form 70 6193 PAGE 1 OF 2 Fannie Mae Fvrm 1004 6/93 Form UA2 -- "WInTOTAL" appraisal software by a Ia mode, inc. ~--1-800-ALAMODE 5Z ~Jad OSSti dIHSNdIQi'1t1f1J rid ab5566Z7TE R,:GI7. r~raa~~~Ti~a File No• pt3-OSfi Pa a #5 Valuetlon9eatlon UNIFORM_RESIDENTIAI. APPRAISAL REPORT Flla Nei nA.nRa ESTIMATEDSITE VALUE ~ $ _, -- --- Comments on Cost Approach (such as, source of cast estimate, site value, ESTEMATEO REPRODUCTION COST•NEW-OF IMPROVEMENTS; s uare loaf calculation and far HUD, VA and FmH~A, the estimated remalnin q g Dwelling 1,653 $q, Ft. ~5 = $ _ economic IHe of the pmperty): The Cost Aooroaoh will oanarally result 875 Sq. Ft. @$ - ~„ __ _ in an excellent estimate of value if the C~uilding is new or _ _ _„_ a reasonabl new and the improvements reflect th_e_hiahest and Garage/Carport 5q. Ft, ®S = , _. - best use of the land. However. when items of physical ..^ ~. Total Estimated Cost New .... _ $__, ._ . de reciation must be estimated an area of lud~emeni is __ Lass Physical Functlonal External involved which is subject to error. The (post Approach was not Depreciation ~ ~ _$ utilized due to the age of the subject and the am nt f d f d _ _. __~ _, o _ e ou erre Depreciated Value of Improvements .. _$ _......_____ maintenance. "As-Is"Value of Stte improvements ........... _$_ .x. ~~ INDICATED VALUE BY COST APPROACH - __ -~" ~ -- ITEM - SUBJECT COMPARABLE N0.1 .,,__ COMPARABLE N0.2 COMPARABLE NO, 3 3101 N. 3rd Street 3015 N. 3rd Street _ 3208 N.Bth Street _ _ 2726 Lexington Street ~~ T Address Harrlsbur PA 17110 Harrjsbur PA 17110 Harrisburg,,PA 17110 Harrisburg. PA 17110 m to Subect 0.06 miles ' 0.25 miles _ 0.49 miles Sale NA 69 500 _ 50 500 _ ~ - 30 100 ~ Price Gross Liyj. _~ '~ $_ 46.84 'l ~ ~1 ~ 25.28 _. 21.88 t Data and/or inspection MLS, Agent and MLS, Agent end MtS, Agent and Verttlcatlo „~,qurce ublic record . - Ext Ins action 8 Public RecoMs Ext Ins coon & Public_Records Ext Ins ~ectian & Public Records VALUE ADJUSTMENTS DESCRIPTION DE5CRIpT10N + - $ Ad'usl. DESCRIPTION +(-}$ Adjust DESCRIPTION +~(-)$ Adj t Sales or Financing FHA/DOM 77 , ; . Cash/DOM 56 us Cash/DOM 62 ncesslons Closin CsURe -2 000 Closin CsURe Cls. CosURevair of 581 me _ 1/04/2.008 1Q/12l2007 ,r_____ _ 4/04/2008 n A~era e E ual E ual _ ~~~-- l • E asehvl Fee Slm Fee Sim le ~ Fee S im le _ _ __ Fee Simple ua Fee Si ' _ ne .p88 Acre 0,074 acre _ 0,076 acrB _ .045 acre View residential residential _ residential ___, __ residential Desl n and A 2-Sto 2-Sto 2.5-Storx_T~- 2-Sto ~ of Construction Ayeraae Averse _ Averse _ _ _______ A .__ _. . _ ver~gc, ~ 78 Years 108 Years 92 Years ------- 81 Y ondltlon Fair __ __ Su error ~ -20 000 ual ~ ears ~-~___.___.-__ -- equal Above Grade Total ~ Bdrms i B.att~g. vtal i Bdrms ~ Baths Tq~l ~ans ; Baths ; ; ~ _ Total Bdrms Baths Room Count 8 3 1 7 4 _1 J . , , ~8 a 1.5 -1 500 : B 3 1 Gro&s LIYI rea 1 653 ScLR._ , ,~, 1 490 . Ft. ~ +1 300 , 1 998 So, ~.,._,_ _-2 B00 1,376 5 . Ft ~ +2 20p Basement & Finished Full Bamt, Full Bsmt. Full Bsmt. __ Full 6srnt Rooms Below Grade Unfinished Full t3ath -2 000 Unfinishe d Unfinlsh~ed Functional Utll averse averse ~ _ _ _ averse _ averaae Heath Coolln Hot water/None Hot Water/None FHA/None ~ ^ _ Hot Wa~.er/None _ Ener Efllclerrt Item , _ typical_ t ical t iCal '"- t ical ° - K 3 Car Gara a On Street ~ +5 000 On Street +5 000 _ _ __ On Stre~et~ -~ ^ + Paroh, Patio, Deck, Encl. PoNPorch ___ __ Porches _ __ Porch/Patio+- _ 5 000 Porches, Flro laces etc. None _~~ __ None None None Fence Pool etc. Fence Fence Fence _ N ~ ~~_ _ ~ _T..., w_ T._____ one _ +500 ~ :.. Nsd ~ ~ ~, - -17 700 ~~ + - 700 + - 7 700 - Adjusted Sales Price -- cl Cam arable 51 800 51 200 37 800 Comments on Sales Comparison (Including the subject property's compatibility to the neighborhood, etc,); Altar a thorough search of au available data the com arables chosen_were considered the best available. Adjustments were made to reflect substantial differences berNeen th e com arable ro erties armed the subject. The C4mparables are gwen equal CpnsideratlOn These Comparebles set the ranee of value for the sub'ect ~ # ro rt . Sale 1 condition ad ustment renects the com arable havin anew kitchen, floor coverings, new bath and paint. (See Addenda~_ ITEM SUBJECT COMPARABLE N0.1 ~ COMPARABLE N0 2 D P i _'-- ~ . ^ COMPARABLE N0.3 ate, r ce and Data NA 12/27/2002 8/30/2007 - 10/29/2007 Source, for prior sales NA 568,800 $47,600 $1.00 of a ralsal ublic record ublic record ublic reco d r ubllc rt:cont Analysts of any currant agreement of Sale, option ar listing of subject pro ert and l i , p y ana ys s of any prior sales of suh)ect and camparables wtthln one year o(the date vt appraisal; The aub'ed is not current) under contract ar listed for sale on the ope k n„mar et. Subject has not transferred within the past three years. Reoent sale of Sale #1 due to foreclosure Sale #2 not considered , ...._ as an arms length transaction and Sale #4 due to fareclosun=~. .....~. INDICATED VALUE BY SALES COMPARIBON APPROACH - " INDICATED VALUE BY INCOME APPROACH H I able Estimated Market Rent _ ~' ' S X40 000 N/A Mo x Gross Rent Mutti liar N/A - . _ This appraisal Is made _ "as la" _ subject to the repairs, atteratlons, inspections or conditions listed below ..~ subject to completion per plans & specifications C dhl f on ans o . Appraisal: ___,,, ,_ Final Reconciliation: Due to the lack of quality and auantlty of rental data, the Income Approach was consider d i e naopronriate and not utilized. Greatest weight is alven to the•Saleg Comparison Aooroach ginCe If reflects th e typical actions of bu ers a d l _ y n se lers in the m ~ .. _ arketnlace. Cost A roach is not applicable due to age and amo nt f d f u o , e r3rred maintenance. The purpasa of this appraisal is tv estmate the market value of the real property that is the subJect of this report based an the abo di>i , ve can vns and the Certification, contingent and Ifmldng condttivns, and market value tlefinldon that are sorted In the attached Freddie Mac Form 439/FNMA form 10046 R ( evised -June 19513 ). I (WE) ESTIMATE THE MARKET VALUE, A8 DEFlNED, OF THE REAL PROPERTY THAT tS THE SU BJECT OF THIS REPORT, AS OF ~---6/05/loos (WHICH IS THE DATE OF INSPECTION AND THE EFFECTIVE DATE: OF TH-5 REPORT T _ ) O BE $ - . 40.000 APPRAI SUPERVISORY APPRAISEA (ONLY IF REQUIRED): 1 Sl t .... __ ona ure Pamela M ~ Did i~ Dld Not Reitenba h 1~Q PA C G ~ _ .... . c ~ ert, en RE,A ppraiger Name .,.--- ~ _ __ Inspect Property Date Report Slanad June 13, 2008 Dat ~ ~- e Signed S r f(I ~,~_ ,~ ~e1t catian # GA001804 State PA State Ce Tan # ~ - - ~~`~ ,. _ __ , S~~ r I ense # State _ Or State License # Fred die Mae Form 70 Hl93 State rn~t z ur z Form UA2 -- "WinTOTAL" appraisal software by a la mode, inc, -1 •A00•ALAMODE bT ~Jdd OSSb dIHSNdIQ~Itif1J dd Bb5966ZLTL Fannie Mae Form 1004 6-93 B~y~OZ 80aZ/ET/L8 File No. 0~.; Page #8) UNIFORM RESIDENTIAL APPRAISAL REPORT MARKET DATA ANALYSIS ~..o a ~a~~~~~ auio~ ~~ iu erucs am m 5~ simuar anu re~uma~e m suo ecr ano nave peen consrberea In the marKet analysis. The description Includes a dellar adjustment, re ect ng ma reactlon to these ms of sign cant varlatlon etween the sub ect and comparable.properaes. h a significant Item In the comparable pproperty is superlar to, or more favorable than, the subject m e , a minus (-) adjustment is made, us reducing the indicated value of the subject, If a significant rtem in the comparable Is Inferior tv, or less lavorable than, the subiect ~ro~ert~i, a plus (+ adjustment Is made, thus increasing the Indleated value of the subject. _, ITEM SUBJECT COMPARABLE N0. 4 ~_ __ T COMPARABLE N0. 5 COMPARABLE N0. 6 3101 N. 3rd Street ress Harriabu, PA 17110 622 Geary Street Harrisbu PA 1__7110 ,,,,,._.~.. 2439 Reel Street Harrisburg~PA_17110 _ _ __ ~~ Prg ' Sub ect 0.59 miles 0.83 miles _ ___ _ Sales Price Prl Ivln Area , ._ NA '/ ~ 32 000 18.14 ~l' 30 300 17.02 ~/ ~ ~~~ ~/'~ Data and/or VelNloat(onyS,QUfCeB inspection ublic record ,.,, _ MLS Agent and Ext Insoectian 8 Public RecercJs MLS, Agent and Ext Ins ction & Public.Records VALUE ADJUSTMENTS DESCRIPTION pESCRIPTION ~ t=) ~ AQ Ust DESCRIPTION ~ - AdI l _ DESC I . . ±( lj U5 , _ _R PT10_ N T_+~ Ad u5t, Sales or Flnancing Conce CashIDOM 0 Closin Csk/Re __ Conv/DOM 8 Closin Cst/Re _ ~ Date of Sale1T 12/07/2007 ~ 3/31/2008 tlon ,. Averse --T--.... - E ual •- --- Equal _ _ -~~' ~,~ hol Fee 51m fe Fes Sim le __ _ Fee Sim le_~ •_ Fee Sim le __ _ _ ~ T .088 Acre _ _ 0.031 acre __ ___ 0.038 acre ~ _ ~ ~ View _~ rosidentia! _ residential ~ ~ _ _ residential _ ~. ~~ 1 n and A sal 2_Sto _ 2-Sto _ _ 2-Sko ~~~ ' Qu of Construction Averse Averse _ Averse Y A e _____,~ - 78 Years _ ,____ 95 Years rs ~ 98 Ye a Condfdon _ Fair Equal _ _ E ual _ __ _ ____ ~' Above Grads arms _ Baths Total ~ B,~~ ~ Baths ~ ___ Total ~ Bdrms~8ams . Total ~ Bdrms: Baths Room Count 6-~ 3 1 8 5 1 • 8 5 1 Livln Area _W1,653 . Ft. 1 784 S , Ft,; . __ _ -900 1 780 S . Ft. ~ -1 0 00 _ Sq R Basement & Finished Roo Grade Full t3amt. Unfinished Full esmt. Unfnished . Full Bsmt. Unfinished _ __ _ . liana/ Utll avera,~e Y~_ averse ___ average _ Olin Hot Water/No_n_e Hot Water/None Hot Water/None _ E e i M I ms ~piCal t ical ical ~-~~--_~~ ~- _--- ~-- ~is1fet9e/Caroart 3 Car Gara a On•,stneet +5 000 Off Street ~ +3060 Pan;h, Patio, Deck. Fire laces etc, Encl. Por/Porch None _ ...,__. Porches None Porches ' None _ ______ FenceLP~gj~ F Fence None +500 _ _ _ ___ Fence ~~ __ ___ Net I + i - ' ~._ ._.4 600 + ..; ,., ; ~._ 2.000, .__ ~ + _. - Adjusted Sales Price of Com arable __ Date, Price and Data Source forprlorsales wlfhln ear of a raise/ NA NA ublic record 3fi 600 10/22/2007 $1,113 ublic record 32 300 3/22/2006 560,000 ublic record Commems: - Mark et Data Analvsls R-Oa ~-^ Form UA2.(AC) - "WInTOTAL" appraisal software by a la mode, Inc, -~ 1-800-AIAMODE 6Z ~Jdd _ OSSd dIHSNdIQ2~bNJ t7d ab9S66zLZL es~:ez seezi~i~ce fFlle IVs. o6_Q 6 Paae #7] Supplemental Addendum Fle Na.08-086 'Client Pennsvlvania Guardianship Association, Inca ProQerty Address 3101 N. 3rd Street ~ _ _ ~~ - °--~_-"_--~- C Hgrrl$DUrp ~~~ _ _ County pauphin ___. State PA rZi,p C:ade__ 17110 Lander PA Guardianship Assoclatlon. Inc. Site Conditions Cont'd: It appears that the adjoining property utilizes the subjects parking pad/driveway for access to their garages;. To my knowledge an easement/right-of--way has not been granted to the adjoining property. A title search has not been conducted and is considered to be beyond the scope of this appraisal assignment. Condition of Improvements Cont'd~ The home is considered to be in fair condition needing extensive rehab to include wall, floor 8 ceiling repair, painting, floor coverings, roof, foundation repair, roof and a general cleaning. Kitchen and bath are dated. At the time of inspection the electric was fumed off to the property they®fore it is unknown if the electric, and heating system are functiorlal. Standing water was present in the bsrnt, it appears that water was infiltrating into the basement from a hole at the basement window. Basement waH shows signs of bowing. Your appraiser is not an expert in masonry repair recommend an expert in this area be contacted. Adverse Environmental~onditions _ There are no known or apparent adverse environmental conditions that would negatively Impact on the sale of the property. The appraiser has not been informed, nor has the appraiser any knowledge of the existence of any environmental or health impediment, which if known, could have a negative impact on the market value of the subject property. Th~a valuation contained herein is not valid If any hazardous items are found in the subject property and stated within the ;appraisal report, including but not limited to: Ureaformaldehyde foam insulation, Radon Gas, Asbestos Products, Lead or Lead Based Products, Toxic Contaminants. The subject is of an age where lead based paint may be present. The market does not penalize the property„ however, the client should be advised of its possible existence. I# is assumed that lead based paint is not present, If th@ ~;lient has a concern then a qualified expert in this field should be contacted to inspect the subject property, Sales Comparison Analvsls -Summary of Sales CQOtp~rigon Approach _ Gross living area and tax assessment information for comparables was obtained from County Tax Assessment Records. All sales are considered to be reliable indicators of value, and are weighted similarly in the final reconciliation. Appropriate adjustments have been made for all differences. All comparable sales are located in the same market area as the subject property and would be considered by the same perspective purchaser. No age adjustment was made as the subject and the comparables are deemed to have an equivalent effective age, There was no indication of a bedroom premium beyond the GLA adjustments. ~CQPE OF WORK: Observation of the exterior and walk through observation of the interior of the property. Measuring the exterior of the dwelling. Review of the County Publle Record data and Multi-List, Inc. records. Review the county tax map online int'ormation, county tax map, zoning, and FEMA flood maps. Verifying, the comparable sales with brpkar, agent, seller or buyer. Digital Signature The digital signature used on this report is an exact replica of the appraiser's actual signature. The digital signature has not been altered end is downloaded from the program by the appraiser. The digital signature is password protected to avoid improper usage. Tha digital signature should be considered equal to an original signature of the appraiser. DEFINITION OF MARKET VALUE The definition of Market Value "Is from regulations published by federal regulatory agencies pursuant to Titles XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) of 1889 between July 5, 1990, and August 24, 1890, by the Federal Reserve System (FRS), National Credit Union Administration (NCUA), Federal Deposit Insun~nce Corporation (FDIC), the Office of Thrift Supervision {OTS), and the Office of Comptroller of the Currency (OCC). This definition is also referenced in regulations jointly published by [he OCC, OTS, FaS, and FDIC on June 7, 1994, and in the Interagency Appraisal and Evaluation Guidelines, dated October 27, 1894. SPECIAL LIMITING CONDITIONS This appraisal is not a home inspection and the appraiser is not acting as home inspector when preparing thg report. The borrower has the right to have the home inspected by a professional home inspector. When pertorming the inspection of this property, the appraiser visually observed areas that were readily accessible. The appraiser is not required to disturb or move anything that obs#ructs access ar visibility. The inspection is not technically exhaustive. The inspection doe;s not offer warranties or guarantees of any kind. The appraiser is not a home or environmental inspector. The appraiser provides an opinion of value. The appraisal does not guarantee that the property is free of defects or environmental problems, The appraiser pertorms an inspection of visible and axessible areas only, Mold may be present in areas the appraisers cannot see. A professional home inspection or environmental inspection is recommended should the client have a conr~rn, Jf the property is sold, this appraisal is subject to satisfactory inspection reports including, but not limited to: wood infestation, radon, building inspections, etc. A condition for properties located within the City of Harrisburg require that an inspection of the property be conducted by a City Inspector in order to receive a clean Gty letter. Supplemental Certifications: ! certify that, This SUMMARY APPRAISAL REPORT was prepared by Pamela M. Reitenbach, PA Certified ti'eneral Real Estate Appraiser for the exclusive use of Brian Brooks, Prssident, Pennsylvania Guardianship Association, Inc. The intended Form TADD - "winTOTAL" appraisal software by a la mode, inc. -1-800-ALAINDDE 7I ~~t~r-I 17SS17 dIHSN17IQZIl71lrJ tld 0b9S66i;LIL 05 ~0Z 8002/rcZ/L0 FJwQ No. 08-D881 page Supplemental Addendum File Na OS Ot36 Client Pennsylvania Guardianship Association. Inc Property Address 3101 N. 3rd Street _ _ ~ `" -"-~~ CI Harnsbur9 _ ~ Cou Dauohin~ State PA Zlp Gods 17110 ~___,-,. mY_._. Lender PA Guardianship Association Inc. ~~ -""-"-'""'- use of this appraisal report is to establish market value for selling purpose. Estimated market value is the most probable price In terms of cash or in terms of financial arrangements equivalent to cash. The information and opinions contained in this appraisal set forth the appraisers best judgment in light of the information available at the time of the preparation of this report. Any use of this appraisal by any other person or entity, or any reliance or decisions based on this appraisal are at the sole responsibility and at the sole risk of the third party. I accept no responsibility for damages suffered by any third party, as a result of reliance on or decisions made or actions taken based on this report. In my opinion, the reasonable exposure time linked to the value opinion is up to 180 days. I further certify that, to the best of my knowledge and belief: - The statements of fact contained in this report are true and Correct. - The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and unt~iased professional analyses, opinions, and conclusions. - I have no present or prospective interest in the property that is the subject of this report or to the parties involved with this assignment. - My engagement in this assignment was not contingent upon developing or reporting predetermined results. - My compensa#ion for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal, - My analyses, opinions, and conclusions were developed, and this report has b~aen prepared, in conformity with the Uniform Standard of Professional Appraisal Practice. - Pamela M. Reitenbach has made a personal inspection of the property that is the subject of this report. f ~ C~~'~~I^' ~ Pamela M. Reitenbac PA State Certified General Real Estate Appraiser Form TADD ,- °WinTOTAL° appraisal software by a la mode, Inc, --1-800-ALAMODE TT ~Jtid OSSd dIHSNdIQ~Itif1J t/d Bb9966ZLTL 09 ~aZ 80aZl6T/L0 Ffle_No.08-066 g DEFINITION OF MARKET VALUE: The most probable price which a property should bring In a eampetitive and open market under all condftfons requisite to 8 fair sale, the buyer and seller, each acting pruderttly, knowledgeably and assuming the puce is not affected by undue stlinulus. Implicit in this deflnRlon Is the consummatl^n of a sale as of a specified date and the passing of title from seller to buyer under condrtions whereby: ('I} buyer and seller are typically motlvatetl; (2) both parties are well Informed or well advised, and each acting In what he considers his own best interest; (3) a reasonable tlme Is allowed for exposure in the open market; (4) payment is made In terms of cash in U,S, dollars or in terms ar itnancial amangemems comparable thoreto; and (5) the price reprosents the normal c^nsideratlon far the property sold unaMected by special or creative financing or sales concessions* grained by anyone associated wfth the sale. 'Adjustments to the comparables must be made for special or creative financing ar sales concessions, No adjustments are necessary for those costs which ors normally paid by sellers as a result of tradition or law in a market area; these casts are readily Identlflable since the seller pays these casts in virtually all sales transactions, Spacial or creative financing adjustments can be made to Me comparable property by comparisons to financing terms offered by a third parry Instibrtlonal lender that is not already involved in the property ^r transaction. Any ad)ustment should not be calculated on a meehanleal dollar for dollar cost of the ilnaneing tar concessi^n but the dollar amoum of any adjustment should approximate the market's reaetlon to the flnaneing ar concessions based on the appraiser's judgement, STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is subject to the fallowing conditons; 1. The appraiser will not be responsible tar matters of a legal nature that affect either the property being appraised or the tltle to it. The appraiser assumes that the tlde is good and marketable and, therefore, will net render any opinions about the title. The property Is appraised on the basis of ft being under responsible ownership. 2. The appraiser has provldad a sketch In the appraisal report t^ show appmximate dimensions of the improvements and the sketch is irxluded only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provldad by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject she is located In an IdeMlfied Special Flood Haza-d Area. Because the appraiser is net a surveyor, he ar she makes no guarantees, express or Implied, regarding this determination, 4, The appralsar will net glue 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 baforohand, 5. The appralsar has estmated the value of the land in the cost approach at its highest and best use and the fmprovemerrts at their contributory value, These separate valuations al the land and Improvements must not be used In conjunction with any other appraisal and are Imalkl If they are so used, B. The appraiser has noted In the appraisal report any adverse cond(Uans (such as, needed repairs, deprocfatlon, the presence ^f ha:;ard^us wastes, toxic substances, ate.) observed during the inspection of the subject property or that ha or she became aware of dUfing the normal researoh involved In performing the appraisal, Unless otherwise stated In the appraisal report, the appraiser has no knowledge of any hidden ar unapparent conditions of the property ar adverse envlronmamal contlltlons (including the presence of hazardous wastes, toxic substances, ate.) that would make the prtperty more or less valuable, and has assumed that there are no such conditions and makes no guarantees ^r warranties, express or implied, regarding the condition of the property. The appralsar will na be responsible for any such eondftlans that do exist or tar any engineering or testing that might be required to discover whether such conditlons exist Because the appraiser Is not an expert in the field of envlronmamal hazards, the appraisal report must not b~e considered as an environmental assessment of the property, 7. Tha appralsar obtained the information, estimates, and opinions that ware expressed In the appraisal report from sources that he or she considers to be reliable and believes them to be hue and correct. The appraiser does not assume responsibility for the accuracy of such Items that were fumished fay other parties. B, The appraiser wql not dlselose the contents of the appraisal report except as provided for in the Uniform Standards of Professional Appraisal Practice. 9, The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alteratlons on the assumption that c^mpletion of the fmprovemerrts will be performed in a workmanlike manner, 10. The appraiser must provide his or her prior written consent before the lender/eflem specified In the appraisal report can distribute the appraisal report (including conclusions about the property value, the appraiser's Identity and professional designations, antl references to any professional appraisal ^rganlzatfons or the firm wfth which me appralsar Is associated) ro anyone other than the borrower: the mortgagee or ks successors and assigns; the mortgage Insurer, consultams; professional appraisal organlzatlons; any state or federally approved iinanclal Institution; or any department, agency, or instrumantallry 01 the United States or any state or the District of Columbia; except that the lender/client may distribute the property description section of the report only 1a data collactlan or reporting service(s) without havlhg to obtain the appraiser's prior written consent. The appraiser's written consent and .appreyal must also ba obtained before the appralsai Can be conveyed by anyone to the public through adverUsfng, public relations, news, sales, or other media. Freddie Mac Form 439 B-93 Pape 1 0} 2 Fannie Mae Form 10048 6-93 Foma ACR - °WinTOTAL~ apprais esoftware by a la made, Inc, -1-800-ALAMODE 8Z SJdd OSSd dIHSNt7IQ~It1f1J dd ab9966ZLZL e~i~'BZ 89aZ/ET/LB Rte Na. 08-08~ Paae #10 APPRAISER'S CSRTifFICATIOIt: The Appraiser cer6lies and agrees that: 1, I have researched the subject market area and have selected a minimum at three recent sales of propenles most similar and proximate to the subject properTJr for consideration in the sales comparison analysis and have made a dollar adjustment when appropriate to reflect tlse market reaction to those items of significant varlatfon. tt a significant item In a comparable property is superior to, ar more favorable man, the subject properly, I have made a negative adjustment to reduce me adjusted sales pricy of the comparable and, if a significant item In a comparable property is inferior to, or less favorable than the subject property, I have made a positive adjustment to increase the adjusted sales price of the comparable. 2. I have taken Into consideration the factors that have an impact on value In my development of the estimate of market value In the appratsal report, I have not knowingly withheld any significant Informatlon from the appraisal report and I believe, tc the best of my knowledge, that all statements and Informa0on in the appraisal report an; true and correct. 3. I stated In the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions. which are subjec'; only b the cdntlngem and Ilmltlng condltlons specified in this form. 4, I have no present or prospective Interest in the property that is the subject to this report, and I have ne present or prospective personal interest or bias wilts respect to the parllclpants in the Vansactlan, I did not base, ether partially or completely, my analysis andlor the estimate of market value in the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the prospective owners or occupants ei the subject property ar of the present owners or occupants of the properties In the vicinity of the subject properly. 5. i have no present or contemplated future Interest In the subject property, and neither my current or future employment nor my compensatlon tar performing this appraisal Is cordingerrt on the appraised value of the property, 8. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party, the amount at the value estimate, the attainment of a specific r8sutt, Or the occurrence of a subsequent event in order to receive my compensatlon and/or empleymem far performing the appraisal. I d#d not base the appraisal report on a requested minimum valuation, a SpecMic valuation, or the need to approve a specific mortgage loan, 7. I performed this appraisal in conformity with the llnNorm Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the etfective date of this appraisal, with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable time for exposure in the open market is a condltlon In the de?inttlon of market value and the estimate I developed Is consistent with the marketing time noted in the neighborhood section of this report, unless I have otherwise stated In the reconclllatlon section. 8. I have persvnaRy Inspected the Imerlor and exterior areas of the subject property and the exterior of all properties listed as comparables in the appraisal report. I further certify that I have noted any apparent or known adverse condltlons In the subject Improvements, on the subject site, or on any site within the immediate vicinity o1 the subject property of which I am aware and have made adjustments for these adverse condltlons in my analysis of the property value to the cxtem that I had market evidence b supporl them. I have also commented about the effect of the adverse conditions on the marketability of the subject property, 9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. 11 I relied on .significant professional assistance }ram any Individual or individuals in the performance of the appraisal or the preparation of the appraisal report, I have named such Individual(s) and disclosed the specific tasks performed by them in the reconclllation section of this appraisal repoR. I certify that any individual so named is qualified to perform the tasks, I have not authorized anyone to make a change to any item in the repoR; therefore, A an unauthorized change is made to the appraisal report, t will take no responsibility for tt. SUPERVISORY APPRAISER'S CERTIFICATIOR: If a supervisory appraiser signed the appraisal report, he or she cerUties and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the statemems and conclu:rivns of the appraiser, agree b be bound by the appraiser's certlficatlons numbered 4 through 7 above, and am taking full responsibility for the appratsal and the appraisal report, ADDRSSS OF PROPERTY APPRAISED: _slot N. srd street Harriaburo PA 171 to APPRAISER: .~.~ Sign "1 ~+ C1,..1 ~ Name: Pamela M. ReitenbaCh PA Cert Ge_ neral Real Estate ADDraiser Data Signed; June 13, 2008 - _ State Certlflcatlon #: GAO_01 1304 `"- or State License #: _ _ ~" --- State: PA ~~ '-"~ Expiration Date of Cerltticatien or License: June 30. 2009 Freddie Mac Form 439 8-93 SUPERVISORY APPRAIS$R (only If required): Signature; Name; ___ Date Signed: _ _ - ~~' '- State Cartlflcatlon #; ~ _ or State License #: ~ ~-~ -- ~~~ '- State: - . -- __..., . f~xplratlon Oats of Certffieatlon or License: "'- ~. _I Did ~_~ Did Not Inspect Property Page 2 of 2 Form ACR - "WIrtTOTAL" appraisal software by a la mode, Inc. -1-800-ALAMODE 60 ~Jbd ~ OSSd dIHSNtiIQ~Idf1J lid 0b5566ZLTL Fannie Mae Form 10048 6.93 B~i.,aZ 8002/ET/L8 I No_OB_O86 Pie #11~ Location Map Client Pennsylvania Guardianship Association. Inc. Property Address 3101 N. 3rd Street __ -""-"---'"-- ~~-~-~------~ CitY~ Harriebur9 ~-" _ County Dsuahin ~ ~~ _-^__~--~~- - State___PA _. _-Zip Code 17110 Lender PA Guardianship Association Inc. Form MAP,LOC -- "WIhTOTAL" appraisal software by a la mode, inc. -~ 1 •~00-ALAMODE 80 ~Jtid OSSd dIHSNdIQJb(l9 17d Bb5S66zLZL es~:ez 8aez~sTfLe File No. 08-086rP~~1~~ Legal Description Client _ Pennsyiyanla Guardianship Association. Inc, ~ Pro a _ , ,_~ ~ Addresa_„ 3101 N. 3rd Street "" GI _ HarrlsDu „_. County Dauohin State PA ~p G~de 17110 Lender _ _ PA Guardlanshi Association Inc. 08/23/2005 08:34 71>83a9138 CINDY FFNSON N.ICT1(7= PaGE a1/84 Z .,a nno O~vFT raa rtMF IFrFM.ew-~aam, uu Mo1 N. w,aeaaN,q, N IFMo 4l~ ~ J V ~ _t/,nl,. rAv ~T~ ~ dray aJ ~ , iri Ilex yrar .1'lrrrtrrra kundire! aru! s.rr,q-Yteht (197x) lYri~I18 i. 11iI8R, testy 1mI18'8. PDPOD4ZOfl and lI1.I F'A!'lIQTICH, Des tnutFFMr o! IfarriaDUrt, Da~htln Oa~adl7, Yamgrireiaiar 6AAMi'0~, a 6 lt91~J[ a. PYPffiVIO$ Yu1 RI >?1h381'/11C~r ha= Duatrsd, of ~ DwpLio Ooaatrr lemerlMaLFrr Q8a1TSS. ©~~ , ~ ~ -v '~ n y rox arw ~ a N": ni p ~ ~ .fir, T ~ !~ -~ av ~=, ~~>LlttttllfllfE~t Tkn( LA COMIIfJRIRfWn o~ )ratvxal ian .~ ~Iftetien ~~__________~__~.~___._-~._.______.._~_ _.__ --flnllora, i,. Anrul pafrt, (hn r~rRipt u•Ir~r~o/fi I~eNhyeekFr.rrr.~erftad, eHa,aiAE.aeecora do >a~r~hy tr.euf rued run.vt)/ fn thr mid QMntaee, their h~/ry artd o~.i(eu, ALL 7'BAT CFkrAIB pleoe or patosl of lend aliaate in ibv CitT of Hatrirbatg, Oount~' OS DavyAia aFFd Stage of l'ea11a)1*rla, nWFnded aaa drecciLa4 M tailors, io r~tl D~1SIIfINC at - poiai as sr,. no :-d eqd 8irard 8treet.r tl+enee eaetraFdl> xlor+k Rdrare 8sree ~ fNt, 8 inehaa e • pOiet in 'the oMler line or a saFisa partiiloo rail Eatvee Brain dteerf,b.d and prgpartT aor ox lase of 1. Y, iperwe FMi'tlaardlr eloas the eenlax liFw of said ramp. Dartition rail YNL 6 imtpa to a polar om ltae of yxepert~- nor or lets of Oerroll Yriaei v..lrwidlr aloos aai6 lax! rnsloued psepersT 11aa • dle{anoe or )9 feet, 8 inalea {o e00taer point ro rid pivpartr linep theFna no'rthwaitllJ 6 lnalva to another po1F1'1 on said lu{ iso~Siened yroprrij lina~ tbeeee llratvaxdlr aloas said pmpexty liua aad pa11 of tku diataaee tbsOR~ Lhe aantar of a parYitim call, l0P feet so a yoiat on OLe eeetem ~SOa et SF:itq 8lrra{; tlienw soulhra.lt63y aloes tha scram 11ae of 'th.iad 8tpsee to Lha polar tha p1F,ea of 3~SBIrIDC. lsiVI7Q 'l3~80d YSm("i~ Pralrea kaern and nslrxsd 31D1 31erOL Third BtFFaei, sod three aaresae in eha rear, 387x16 TH6 81a~ PB'8SI8W rhleh gacQ Mainer, •t u;, '~ their decd dated the 11th day or Septerdprr, 19L6, and raoordad in {M 8eoor6er or Aaede Ortioe in end for IMUpaiA dbn7ik7- 9aFlney'2vanl.i, in Dead 3nok 'rU+, Ye1W 49, p11se 186. gF*nted Fwd ¢oGVY7ed ranee Edl to a. win.: and lbzie Yein.r, ~e !l.1d BoYil Wlaerr IL US, by eneir gage dated Lha Tud daT OS T9rle, 19b%. F~ i+sooF+kd in tpa JMaeormr of Deade 0lrlse Sa Feid i'oF Aaphin Oowntr. Anefi'ltar~.ar iii Dead Beek •$", 1'oltoa 30r YaP 195r b'IVted clod ooa~ered unto Yd1tD 0. 1MSFrs hie wiAi~idad aF+~-hlf (}] IatelYet• theriin, thKeb) vMiLD{' iLe en{iF~ tee is {ha raid YditL 8. Yaiaerr por igt~arried rich !mi Telsevial, Vs tFaeSatYlr 4L10P018 bsc,aia. ffi8 aoargaooe is Drere.r htiebend aaa cif. roc the pa,gosw of warier !i{le !e sec •a1d ps:iwa i:o ttMa ea i+oeota lp' ZN aptialtlM. tl` Form SCNLGH - "WInTOTAL" appraisal software by a la mode, Inc. - 1.800-ALAMObE L8 ~Jdd OSSa dIHSN17IQ~Itif1J t1d Bb9566ZLZL 9!~ ~aZ 8002/ET/LB Fife Na. D8-086 Psa~ a X131 Flood Map Client , Pennsylvania Guarclianshia Association Inc f'ropeRy Address 3101 N. 3rd Stroet ......,__ _~ ~~ Hurrisbur~ _ , _paunly Dau~hi~ 6t8tE PA Zlp Code 1711p Lender PA Guardlarrshl~ Association Inc 0 InterFlood rrr. a. ~ooa rvww.lnberilooQ.oom . 1-800-252-bb33 Prsparod for: Pamela Reitenbach 3101 N. 3rd Street Harrisburg, PA 17110 .oam. Form MAP.FLOOp - ^WInTOTAL" appraisal software by a la made, Inc, -1.80p-ALAMOOE qa ~rlti~ r1~~Fi rITHSNHT(T?IHflrl t/~-I ab5566ZLZL 85 :8Z seez~~z~za File No. OB-086 Pa a #14 Bullding $k®tch Client Pennsylvania Guardianship Assoclatfon Inc. Pro __ _ __ Address 3101 N. 3rci Street ~ l ~~~~-Y' ~-'- C HarriQbur~_~_„__ County Dauphin ~ T.W. ~ ~M„ State PA ZID Code 17110 "" Lender PA C3uardianshi As~oclatlon Inc. Form SKT.81dSkl - ~WinTOTAL^ appraisal software by a la mode, inc. -1-840-ALAMOOE 58 ~Jdd ~~ OSSd dIHSNdIQ~idf1J ad eb5566ZLTL 0!~~BZ 899Z/6T/L8 Subject Photo Page File No• OB.OSti Page #15 Client Penns Ivania Guardianship Association. Inc. Pra a Address 3101 N. 3rd Stroet __ _ --` ~"" ' --- ' CR Harrlsburp Cuunty Dauphin ~, _ _y _` State pq t~;odc t7t ip Lender PA Guardianshi Association Inc. Subject Pront 3101 N. 3rd Stroet Sales Price NA Gross Living Area 1,653 Total Roams 6 Total Bedrooms 3 Total Bathrooms 1 Location Avera~le Vew residential Stte .088 A~~re Quality Average Age 78 Years Su6jeclt Rear Subject Street Form PICPIX.SR - "wnTOTAL" appraisal software by a la made, Inc. -1-600-ALAMODI: __.. b0 ~~dd OSSt1 dIHSNtiIQ~It1f1J dd 0b9966ZLTL 85 ~0Z 80aZ/6T/La File No. OS~, Subject Photo Page Cllent Pennsvlvanie Guarctianshia AssoCiationLlnc. ~_ Property Address 3101 N. 3rd Street ---~'"`- -- ------~ _______._ Glty Harriebur9 -~.^_~~ ~ _ , . __ Counfy Dauphin -.-~-~~ -_~_ .-~. State _PA,~ Zi~Ci~de 17110 _ Lender NA ""' -~- Subject iGarages 3101 N. 3rd Street Sales Prlce NA Gross Living Area 1,653 Total Roams 6 Total Bedrooms 3 Totall3athrooms 1 Location Average View residential Site .088 Acre Quality Average Age 78 Years GIS Tail; Map Areal Niew Form PICPIX.SR - "WInTOTAL" appraisal software by a la mode, inc. -1 •B00-ALAMODE ~R ~rlHrl f]SSti dIHSNt~IQ~Jt/fl~J tid Bb9S66ZLTL 09 ~BZ 800ZIET/L9 FJ a No_ 08_t78@~p~g~@~~~ Comparable Photo Page Cllent Pennsylvania Guardianship Association, Inc._ ____ _ __ _ ProoerN Address __3_1_01 N. 3rd Street _ _ _ __ CIN _ Harrlepura -___ Courrt~M1DauDhin 9l~.te PA~~ Zio Cade 17110 __ _ _~_ Lender ~ PA C3uardienahip Association, Inc. Comparable 1 3015 N. 3rd Street Prox. to Subject 0.06 miles Sales Prlce 69,500 Gross Llving Area 1,490 Total Rooms 7 Total Bedrooms 4 Total Bathrooms 1 Location Equal Vlew rosidenitial Slta 0,07a a~cro Quallry Average Age 108 Years Comparable 2 3208 N.6th Street Prox. to Subject 0.25 miles Safes Price 50,500 Gross Llving Area 1,998 Total Rooms 8 Total Bedrooms 4 Tote! Bathrooms 1.5 Location Equai View residential Slte 0.078 acre Quallry Average Age 92 Years Comparalle $ 272ti Lexington Street Prax. to Subject 0.49 miles Sales Prlee 30,100 Gross Living Area 1,376 Total Roams 6 Total Bedrooms 3 Total Bathrooms 1 Location Equal View residential Site .045 acre Quallry AveragE~ Age 61 Years. Farm PICPIX,CR - ^WInTOTAL" appraisal software by a la mode, Inc. -1-800•ALAMODE Z8 SJ`~d OSSd dIHSNbIQ~ItJf1J dd ab5966ZLTL E5~0z 80aZ/6i/L0 ~~~ .~~~ Comparable Photo Page Comparabble 4 822 Geary Street Prox, to Subject 0.59 miles Sales Price 32,000 Gross Living Area 1.764 Total Rooms a Total Bedrooms S Total Bathrooms 1 Location Equat VIEW residenifial Site 0.031 acre Quality Average Age 95 Years Cornparal~fe 5 2439 Reel Street Prox. to Subject 0.83 miles Sales Price 30,300 Grass Living Area 1,780 Total Roams 8 Total Bedrooms 5 Total Bathrooms ~ Location Equal View residential Site 0,038 acre Quality Average Aga 98 Years Comparablle Q Prox. to Subject Sales Price Gross Living Area Total Rooms Total Bedrooms Total Bathrooms Location Vew Site Quality Age Farm PICPIX.CR - "WInTOTAL" appraisal software by a la made, inc. --1-800-ALAMODE TR ~clH~-I i]SSt7 dIHSNt1IQ~Iti~J dd ab9566ZLtL e~y ~aZ 80aZf61/Le EXHIBIT D ~~~ ~~ ~~~ QF ~ ~$~/~~ 7~S ~t rrtade this day o€ duly, 2008= by and ~ tt'e PYLYAI~A A-:ISE~IATION, IIrIC~ P.~. Box 729 l..ancastierx Pennsyhrainia 476tf4, Plenary the Estate of Eli Petrav~h by Order of Coucf. coed D 22, 2007 ~ "Setter"} and .lACE)B B~. BEtt~IEF~ Jt~, 3~ Charter t]rirnte, Sherman Pennsylvania t70.9Q ~'~y~; WITNESSETH 1!. Safe ar~af Prrrc Seller agrees ~ ~ ar~d convey ~' Buyer to a a!t that certain tract of real esfafe m~ty krrowrf as 3'l01 North Third, Harrisburg, Dae~fisz ~= t~ennsylvacria, upe~ the terms and canditr'ons fnerea~er set forth Said real property is ownetf by t~ P~ a+xl more pactirutatiy gibed in a deed da#ed November 27, 1:978, recorded November 27, 1978, ~ the Dauphin Gay Recorder of Deeds Of~Ce in deed book K-6b, page 462.. Said property ~ h~ referred to as the LL[},~.wl. A. 2_ Pry P-~ce< The purchase price is Forty Tt~usand ~$40,OOQ~00} Ddtars payable as ~ Down Payr The sum of Fine Thousand (`$6,OOa.OQ} Da~ars shall be paid by Buyer to Setter,: or Selt~'s agent (Auctior~ at or Dore the sign~g of tt~s The parties adalawted~ the SettFx or ~s ager~ is in possession of the down paymer~ Said down paymerrt is nor-refur~dabte_ B_ T[1e balance of TTiir[y-~~ve 7ttousarrd ($:iSF(_Ofl~ Duo shall be mod' by Buyer to Seller at set~rrrent try the form of a cashier's, c~itied or tale insurarne company chedc_ 3. ~ to case of a default by the Buyer in the performance of this Agreernerrt, the Sells. sole: rernedy shall be the reten€ion of the down payment as fquida#ed damages, atul this Agreernerrt shalt be rrutl and void.. 4. Court ~ The saw of The aforesaid Beat Estate lay the Seller, a the Estate and Person of Ek Pte, is cont~gerrt upon ~ approval of ttie Ek~ns' Coot of Ccar~aerlarai Cou[~y. Setl'e~r shad p the ~' Court of C1an6erlaruf Carr fix ~ of this Agceerr~rtt, and obtain to execute a geed: and other docurne[~ts necessary To cx~ney tine. To ~y~" at ~_ trt the event Court approval is not off, dawn pey shy be rem to the Buycer and tl~s shad' became nuN and void vu~Ft no further ob~gation ~ the _ 5. ~e~erneerl~ Sefttement shad be held on or before fartyfnre (45~ days from the date of this Agreemer~T,. at such and pfa~e as the pares shad mutiny agree- trt the event the pares cannot agree, settlerrter~ shad be ~ the ~ allies of Johnson, [fie, Stewart ~ Weiner, 3U1 11~ket Street, Lemoyne, Cumberland Couri€y, Peru~sylvania on the forty-h ~4,5~ day after this /~~ ~ Sx,}r~ed at. X00 p.m. Said date of seTlie€rient may be extended an arid'r6anat tt~rty (34~: daya uniateratly by SeNer in the event more lane is treaded To ol:>tairi court approval of the sad by the Guard"ran as referenced in Paragraph 4 above.. ~. Roams Pc~session strati be given at setTfement 7. Re~a/ Es>la~e Tim Taxes ~ r~ estate Transfer taxes ass~d as a resat a€ this cornreyane shad be paiid by Ttre at srnent- 8. PtvEa#i~nsi ~ real estate Taxes tevTed on the Real Estate shaft be prorated as of the date- of settterrrertt, the: Cory and City real estate taxes being prorated on a calendar year basis. and iii school district takes being prorated' on a July 1 fiscal year basis. 9. ~ Il~nie~f dTarges for sewer rental, trash secure and/or water by The ciky shat[ be prorated as of ttie dare of seftletrrerrT. tfl. TrtC~ At settlernerrt, ffre Real Estate sFra~ be conveyed by special warranty deed free arxf dear of alt Trans and ericumbrarres, subtect to all easemerr#s and corrdrTians of record:, arty de facto easernerrts, and any oTher existing cx2rid~ms appareriT from physical inspection ofi The premises, such Ta be good and FnarkeTabfe or such as wry be insured by arty responsible: fiTle insurance company at its regular rates in the full. amount of Elie purcfiase prie. z 11'. Ric ~ E.~ Ristc c~ toss by fire or other casualty sha8 remain: ~ the Selfer tuit~ tip ~ In rase c>~ or other ~ prior to settlemert~ Buyer shad have the opfiort of rescirtdctg the ert€ or of ~ a o6ig an nenE of insurance 12 A~ rtotfces r by this A~ shalt be s€ril ~ de#vered by cer[i~ed rria~, postage per. re~rt recae~ ~, or personally delivered to ogre ~ the pares to A9~ as fates: A To tfte Seller ~ as fo~aws~ Pence Guardianship Assi©r~r tr~c. P.©_ Box 7~ Larxer, PA 176f14 ili a ~: t}avid Ital. DeLuce, Esquire .lohnsonT 13u11ie, St+stivari ~ Weidner P_O. Box 109 Lernc>yrie; PA 1 ~f143-0109 B_ To t~ Buyer aid as fo(lonnrs~ Jacob 6_ Bcx~ierr Jr. 31 C:Ftartier [love SFtermatisciale, PA 17090 t3. Cam. Buyer agrees bo purchase the Real Este arm impravemerits ~ Their preserik cOrt "as ~' and Steer rr~ f~} ~, represerrtatiort ~ {! ~d~ ~{,/ Buyer wilt res~rcf tV ~ nr cond~ion of Lt1e irrtprove€s. B€ty~ ackrivwfedges Buyer has ir~pected the Beat Estate artd has had ~~'~~- 14. Lesacl Pai~tt A Lead E'a~ 6~Ifarriiix~ S~ Every purd~iaser of any ~ in resticlenfial real property on ~ a resided drael tnras but7f prior to 1578 is noffilied that surd feat piropertlr tTiay` preset ~e to lei front ~d pa~f Lftat may place ycnuig d~tTdren at rlSk of devekipaicd lead pQiSFiElir~. Lead potsortmg in young Chi~kiten [Tidy produce permanent ner~ologtcal . ~ [@aETlirl~' ~5a~11Tl~te~. red~lC~ frlfelrl~enCe QCiC~fi~, ~ellaVi~Or3l problems, and ifxtpameEf m~nory_ Lead po~'iaig also poses a parfrcxtlar risk. fa p women.. The 5e#er ~ arty iEilierest in resider~ial real property ~ required to provide the Buyer w~ arty inforrnatictrt an ~ paint ~ from risk assessi Tients or inspec~oris in the Selier's posi and rto~y the Buyer of arty known lead-based paint haz~ds_ A risk 3 ~ ~ for poss~te teacf-based paint Hazards is recomr pfior- to ~• B_ SeG~'s Dim. (t) P~ectee of ~ paart arxilor lead-based paint fZazards a. Knorrttrt fermi-based paint arm- dad-tamed Hazards are present ~ ~ Homing (expfainj. b. X Seer Has no ~~ of feed-based paint ardor ie-based pairrf Hazards in fH~ Hrrusirtg: (2} Rer~ords ar~d reporis ava~abte to the s~[er {check (a) and (b} ~. a- SeGef has provided xhe pur~aser vv~E~t atl ava~~e records and reports Pertaining to G~Cf-based pain arrcf/or ~ Paint Haze in hot~irrg (list befovv~_ b. X Selfer Has no reports or records pertaining fo feed paint an~or feed-based Paint Hazards in fha Harssing. C_ ewer's C (7} ~Y~ Eras received of at< ~~t'orrnafran Gsted above. 4 has~~P~~~our ~~} ---- froxn [ eaef ~ Dour ~- ~} X_ has ~ (a} °r ~'~ or mutua!{Y agreed upon peno~ _ rec~ed a i:E3-~a~ aPP a_ ~ ~ a ris[c ~~ or ~ f~ Elie ~ oaf lead- k~sed paint cx ~ P~ ~~. or ~ ~ the oPP~ to conduct a nstc assessment or a' ~ ~ the ~ of ~ paint andFor ~ead-based Paint. h~ds_ -me time for set~ketnettt and. far Performance of Bie obligations in this 15:. r~ o€ die '~ ~~ is he~~+ ~ be ~ the ~ this ,~u3reern~- r ~ This went contains the uvt~te agreed ien. the partres, and 1 C. ~ ~ ors, oral cx otherwise, tf~re are no oar ~^ ~ acriended ~ modified o than ~Y low ~~, ar~d this ~ may' not be e~ ~ hereto- [TFRS SPACE LEFT [NTENTIO'NA[-E-Y BLANKj 5 ViFf ~E~ ~ 6e Y t heceExp; the parties have hereunto set their his ar~f seals car ar~i ~ ab~e ~. [7pY F 41~.,. :. t.Fdg "L1~~d~Y r1~:H`t~V'ld V. tre°a Cie: ~.G~ v~rf~ i~~.~ ~ f~,~l~~ "'t' e i' ~' ~L,~ - - -= SFT I FR- ~SY'LVANiA Gt1At~D~4t~tSHIP ASSE)CtATFf]~t, tt~lC_ Ca4ppa: ~~ fOC l~ Pe€ro~t 6~_ __.. l~. . ~: ~ a -~ ~~ ~-- Elate: ~ - ~ / - ,~c~o ~ s