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HomeMy WebLinkAbout08-12-0815056051047 REV-1500 EX (06-05) OFFICIAL USE ONLY PA Department of Revenue County Code Year File Number Bureau of Individual Taxes INHERITANCE TAX RETURN PO BOX 280601 ~ ~~ 1 O [~ Harrisburg, PA 17128-0601 RESIDENT DECEDENT ~ ~ I ENTER DECEDENT INFORMATION BELOW Socir3l Security Number Date of Death Date of Birth ~voa~f ~f / 9 ~•asaoa ~ o~ao~~as DecE~dent's Last Name Suffix Decedent's First Name MI ~°RE Nor=c~ ws L ~ zA~ (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW ® 1. Original Return O 2. Supplemental Return O 3. Remainder Return (date of death prior to 12-13-82) O 4. Limited Estate O 4a. Future Interest Compromise (date of O 5. Federal Estate Tax Return Required death after 12-12-82) ~ 6. Decedent Died Testate O 7. Decedent Maintained a Living Trust ~ 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust) O 9. Litigation Proceeds Received O 10. Spousal Poverty Credit (date of death O 11. Election to tax under Sec. 9113(A) between 12-31-91 and 1-1-95) (Attach Sch. O) CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED T0: Namie Daytime Telephone Numb, /~1~rRK /'R~ /~TS~ E ?/ 7~~~7 ~~6~~31 Firm Name (If Applicable) _ REGIS~9~_VYILLS U5E ONLY r - ~ First line of address ~,- Second line of address - ~~ ~ `~ ~~; a -. ~ City or Post Office c ~ N1 p H = L c. State ZIP Code I DATE FILED PA ~ 70 / ~ Correspondent's a-mail address: fJ;~~,l-M D G~ ~/e.ri Za N . Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete. Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge. SIGNIATURE OF PERSO/f~j SPONSIBLE F.OLR FILING RETURN DATE s ADDI~ESS /! n /Jr:~~+® ~,./'r~oLnJ -S-7-ie27'~ Cixrrr~ 7Ti~s YaS . /~(J!/ SIGNIATURE OF PREPARER OTHER THAN REPRESENTATIVE DATE ADDI~ESS PLEASE USE ORIGINAL FORM ONLY Side 1 15056051047 15056051047 ],5056052048 REV-1500 EX Decedent's Social Security Numbe r Decedent's Name: a©~ ~ y~ y"~ ~ _ RECAPITULATION 1. Real estate (Schedule A) ........................................... .. 1. p?_ 7~ O d D • G G 2. Stocks and Bonds (Schedule B) ..................................... .. 2. Q •G G~ 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) .. 3. G . L• G' 4. Mortgages & Notes Receivable (Schedule D) ........................... .. 4. ~ G G 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ...... .. 5. 6 ~ ~ % ~ • ~ !.J 6. Jointly Owned Property (Schedule F) p Separate Billing Requested ..... .. 6. G • G C~ 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) p Separate Billing Requested...... .. 7. ~' • G O 8. Total Gross Assets (total Lines 1-7) .................................. .. 8. ~j 3 y~ 6 / 3 .~ O 9. Funeral Expenses & Administrative Costs (Schedule H) ................... .. 9. / / ~~ 6 j ~ 10. Debts of Decedent, Mort a e Liabilities, & Liens Schedule I 10. 11. Total Deductions (total Lines 9 & 10) ................................. .. 11. / a / ~J O •3 c7 / 12. Net Value of Estate (Line 8 minus Line 11) ............................ .. 12. 3 a 6 ~/ 7 3 • D / 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made (Schedule J) ..................... ... 13. ~ . ~ O 14. Net Value Subject to Tax (Line 12 minus Line 13) ..................... ... 14. ~ ~ ~ ~ ~ 3 ,D / TA,X COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X .0_ 15. • 16. Amount of Line 14 taxable at lineal rate X .0 ~ / y 6 `~ / • oZ q 16. ~ ~ ~ 9 / . a 17. Amount of Line 14 taxable at sibling rate X .12 17. 18. Amount of Line 14 taxable at collateral rate X .15 • 18. 19. TAX DUE ...................................................... ...19. • 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Side 2 15056052048 15056052048 REV-1500 EX Psige 3 Decedent"s Complete Address: File Number ~r1/~t'LL Z"A Ni -PR~N TscF __ STREET ADDRESS CITY __ C~,~ y;~~ __ STATE ZIP P~_ /7~ // Tax Payments and Credits: 1. Tax Due (Page 2 Line 19) 2. CreditslPayments A. Spousal Poverty Credit ______ B. Prior Payments _ /5-~ Q~U____ __ C. Discount ---23 Y-S6 3. Interest/Penalty if applicable D. Interest ___ ____ E. Penalty - Total InterestlPenalty (D + E) (3) _ ~ _ 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Fill in oval on Page 2, Line 20 to request a refund. (4) >~z py3, 0~7 5. tf Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) . o , A. Enter the interest on the tax due. (5A) - ~ - B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (56) ._ o 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 without 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. Ditl 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. For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is three (3) percent [72 P.S. §9116 (a) (1.1) (i)]. For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero (0) percent [72 P.S. §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 if the surviving spouse is the only beneficiary. For dates of dE;ath on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [72 P.S. §9116(a)(1.2)]. The tax rate irnposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent, except as noted in 72 P.S. §9116(1.2) [72 P.S. §9116(a)(1)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent [72 P.S. §9116(a)(1.3)]. Asibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. (1)~ ~`~/.~9 Total Credits (A + B + C) (2) `~`„ 73 r' , ~6 REV-1502 EX+ (6-98) SCHEDULE A COD~MONWEALTH OF PENNSYLVANIA REAL ESTATE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts. Real property which is jointly-owned with right of survivorship must be disclosed on Schedule F. (If more space is needed, insert additional sheets of the same size) REV-1508 EX «(b97) - SCHEDULE E COMMONWEALTH OF PENNSYLVANIA CASH, BANK DEPOSITS, ~ N{~S~r. INHERITANCE TAX RETURN PERSONAL PROPERTY oCCinCn17 nFRFnFNT _.. ESTATE OF FILE NUMBER Include thie proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the right of survivorship must be disclosed on Schedule F. VALUE AT DATE ITEM NUMBER DESCRIPTION OF DEATH 1. (~ ~T ~~NK Cfleck%h5 ~~oNn`t'c-t GD ~s ~Seeo.-rfz~cL,e,~~. ~~~) S3~7v~•,~~, ~J r ~ ~ i~~ ~~Sh ~G~'.t-t-e~~~ ~ Gf~o.n~~J ~Url -F ~~' `~I'~/" ~t~o'•.• 1~f o c r~ ,8 ,,,,-, c:.k. Ce, r-T"~-r)'' C sex. a-r-F Q:,i,e.~ C.~' •} ~r 3 / a ' ~~" 3• 49~ ~ SEQ. 0.'f'"tQC~£~ ~~~~ ~ ~ . (}Il ~~la.5e.{~cL~~ ~~r.~r,;.S1.% J~ ~ ~~i3 ~. ~ Ca) ~6i~~ ~,N ors C avU.Goj -f-C 1~ ~Gi,~ v~/at'a~C,~oG) ~s.. ~3Fty r-c~ ~ ce J ~ . ~! La`t'h ~ n q (.See, a.-tt~.~ ~~' ~ .3 /.Y• '7S •7: ~-(ou~Se hcli.J~ Croa JS ~ -5~- ~~o,t:,l~~ (`7'~ j'a2~7.5-~, 8 ~s ' y° Z~ ~2 ~ ~v. (d-~ v~iR$E~ {~°~Lf' ~;rlars.` /,~gS~o'~i.cu-r /~,~ ~v tcs~. H~~1e~c gO.GG L,~~ ~P~4,~IY1Ei ~eYS~.~~~nEi GB,~~ C.S. ~J•QC '1.. TOTAL (Also enter on line 5, Recapitulation) ~ S (If more space is needed, insert additional sheets of the same size) REV-1511 EX+ (10-06) SCNEDIJLE N COMMONWEALTH OF PENNSYLVANIA FUNERAL EXPENSES & INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE i~F FILE NUMBER Debts of decedent must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. N1 xERs- F{~1R/v~R ~~NE>~~ N~~'t~,A -t~v~ .C s~ ~~<-;off? C~•~ ~~ yy~' c c ~~~~/~. d D~N~.N Ca- ~GF1TL 0~ f(~ve:~ Ce..'1 e•~er~) ~.~o o~' B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Street Atldress City State Zip Year(s) Commission Paid: 2. Attorney Fees 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Claimant Street Address City State Zip Relationship of Claimant to Decedent 4. Probate Fees R~6r~S-rCK 6-( ~/,'LCS 5. Accountant's Fees 6. Tax Return Preparer's Fees / ~ /{r1,~1 ; F; uqL fe,oP . -tul.rr,r ~E f(• R . (3Cac. K ~ 7 ~ c%or 7. A~'J~Yv.~$~.rs ~ G~1v.ck gF',t.~:~Y ~~cx;~neer ~Gon~?ENts)~/`cfJ-OG r"~~c.Lt~eec.eo,vNc~k R~SI(. ~s~r-1-rt ~tpp~-~.~s~.t~~~.5=c%~ ~l.S~au ?l' E. st~tE N ~.`; ce.s ~' ~~~rK: o~-- N~w.r fy y, 7~ e ~~nmfiErl4.n~ /~~n/ ~c.~.~-hat ~ ~ ~ ~3 '7S~ vU TOTAL (Also enter on line 9, Recapitulation) I $ f/r _r-~'~ , (If more space is needed, insert additional sheets of the same size) REV-1512 E;{+ (12-03) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE 1 DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS ESTATE iDF FILE NUMBER ~l.~rLCs/an'1 pREn.+ts~ 07/07- /d 9 7 Report debts incurred by the decedent prior to death which remained unpaid as of the date of death, including unreimbursed medical expenses. (If more space is needed, insert additional sheets of the same size) REV-1513 EX+ (9-00) SCHEDULE J COMMONWEALTH OF PENNSYLVANIA BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE C)F FILE NUMBER Ufa;'- /oy7 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under Sec. 9116 (a) (1.2)] .~ ~ f 7 {/e, r m qtr ~1 v~>, A p1: 31n/ ,SG ~ S a a r . q ~.~ ~~N e p~ . ~~~~f3 a • 4 ~! irk (~l-Ent ~ ~ ^^f r7~~,~9 hi >z c:~L,~ ~~fie~~ ~~ ~ _ ~ ~ Ca-r„~ ({;LLB pa • 1 w01 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 TH ROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET II NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS 1. TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET $ (If more space is needed, insert additional sheets of the same size) STATE OF PENNSYLVANIA COUNTY OF CUMBERLAND estate of WILLIAM PRENTICE SHORT CERTIFICATE I , R STRA SBA UGH Register for the Probate of Wills and Granting Letters of Administration in and for CUMBERLAND County, do hereby certify that on the 3rd day of December, Two Thousand and Seven Letters TESTAMENTARY in common form were granted by the Register of said County, on the late of CAMPH/LL BOROUGH /First, Middle, Last) in said county, deceased, to MARK PRENTICE (First Middle, Last) and that same has not since been revoked. IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed the seal of said office at CARLISLE, PENNSYLVANIA, this 3rd day of December Two Thousand and Seven. Fi 1 e .No . 2007- 01097 PA Fi 1 e No . 21- 07- 1097 Date of Death 1 1/25/2007 S . S . # 200-24-4419 NOT VALID WITHOUT ORIGINAL SIGNATURE AND IMPRESSED SEAL i -:J l LAST WILL AND TESTAMENT ; ; , --, -, `-, -. - -~ t OF - c.~ _ ..~~ - -, -~, ~t - - -, WILLIAM PRENTICE _ __-{-~ _ .~ ~: c:~ I, WILLIAM PRENTICE, of Camp Hill, Cumberland County, Pennsylvania, declare this to be my Last Will and Testament, hereby revoking any Will previously made by me. I. I direct the payment of all my just debts and funeral expenses out of my estate as soon as may be practical after my death. II. I devise and bequeath all of my estate of whatever nature and wherever situate unto my sons, MARK PRENTICE and WILLIAM PRENTICE, JR., in equal shares, the share of a deceased son to be paid to his issue, per stirpes. III. I appoint my son, MARK PRENTICE, as Executor of my estate. Should my SAIDIS, >F'LOWER ~& LINDSAY gtlt~0.`~El(5-AT~LaW 2109 Market Street Camp Hill, PA said son fail to qualify or cease to act as such, I appoint my son, WILLIAM PRENTICE, JR., as alternate Executor. Neither of my personal representatives shall be required post bond in this or any other jurisdiction. IN WITNESS WHEREOF, I have hereunto set my hand and seal on this, the /' ~ day cf 1~?ovPmher. 200F. ~~~.. v ~-°~~ (SEAL) ~~~ WILLi.4>VI PRENTICE Signed, sealed, published and declared by WILLIAM PRENTICE, the Testator herein named, on this and one ll) other sheet of paper, as and for his Last Will and Testament, in our presence, who, in his presence, at his request, and in the presence of each other, have hereunto subscribed our names as attesting witnesses. SAIDIS„ I~=I..OWER ~ LINDSAY 2109 ivfarkec Screec Camp Hill, PA ~~ /~ Address c ,• r Name ~i ddress COMMON~xIEALTH OF PENNSYLVANIA -, ' ~~ ~ ~ Name COUNTY OF CUMBERLAND ss. WE, the undersigned, the Testator and the witnesses, respectively, whose names are signed to the foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the Testator signed and executed the instrument as his Last Will and Testament and that he signed willingly (or willingly directed another to sign for him), and that he executed it as his free will and voluntary act for the purposes therein expressed, and that each of the witnesses, in the presence and hearing of the Testator signed the will as witnesses and that to the best of their knowledge the Testator was at that time eighteen years of age or older, of sound mind, and under no constraint or undue influence. ~'~~. ~'' WIL PRENTICE, Testator ~~ , Wi ass .~ (~ ,` ~ ` .~ •'G~it~#ess .l Subscribed, sworn to and acknowledged before me by the Testator, W,~LIAM PRENTICE, and subscribed and sworn to before me by both witnesses, this /~ day of November, 2006. ~ ~ ~"' 41 CCihr'"t"~?~^~~~M1~~r~.l_~~;!,~r- ~~~.~ l::i':'1 ~ii,i~f>, ~'• Ci' ~ ~ Notary Public ~arl:31; Fsc r, Cu _"r r~- U C~C ~ 'iy ~rnr,r~s~ i n E n- _ r<+..', ;~;:~ __. ~.._.._~ ._._ _.__ _._.__s Prl~mt~er, ~'enrs, ,,t_,~,• ;art..;, CONNOR GROUP File No. PRENTICE Case No. Uniform Residential Aenrais»I Rannrl The ee of this summ re is b vide tla lerxterklient with an accurate and - -ed ion of the marital value of the su Address 2926 CHESTNUT STREET C' CAMP HILL Stale PA Z Code 17011 "' Borrosrer PRENTICE WILLIAM JOANNE OwnerofPubficRecgd PRENTICE WILLIAM JOANNE CUMBERLAND ' lion DEED BOOK 0022Y PAGE 00840 ' Assessors Parcel # Ot-21-0273-334 Tax Year 2007 R.E Taxes S 3 300 EST ' hborhood Name CAMP HILL BOROUGH Reference 42-41 Census Tract 104 - Owner Tenant X Vacant 'at Assessments S NIA PUD HOA S N!A montlr ' f$ A X Fee Leaselald Oarar desafbe Ass' meMT Purchase Trar>saction Refinance Transaction X Other describe ESTABLISH MARKET VALUE LendeNClient N/A Address N/A k the su ' ofkred for sale or has a been offered for sale in the twelve riantits b the effective dale of till Yes X No 'i data so s used sand s . THE SUBJECT HAS NOT BEEN LISTED FOR SALE WITHN THE LAST TWELVE MONTHS AS PER THE CENTRAL PENN MULTI LIST. 1 did X did not analyze the contract for sale for the subject purchase transaction. Explain fire resuBs of the anaysis of the contract for sale or why the analysis was rat THE SUBJECT NOT CURRENTLY UNDER AN AGREEMENT OF SALE TO THE APPRAISERS KNOWLEDGE. Contract Price S N/A Dale of Contract NiA Is the seller the owner of 'record? Yes No Data Sou s Is there arty faancial assistance (loan charges, sak concessions, gift or downpayment assistance, etc.) b be paid by any party on ixjtraif of fire borrower? Yes No tf Yes, tfre total ddlar amarnt and describe fire items to be ' . N/A Nah: Rea and the valet tom Nioyr d drs b oyhood an not s isai factors. NrpA4orhoodtsga Lac~on Urban X Sudaban Rural OnWnk Tnnds Values X Stable Dedhrt OnNMItFb~ PRICE AGE I~ntl.andt-a% OrraUrllt 81 % X Ove75% 25.75% Under 25% X In Bdarrce Ore S 000 2~t Untt 2 % Growth X Stale Sbw Time Under 3 mites X 3S nrllts Ore 6 mhs 125 Low 35 Mupi-F 2 % Ne hlxxhoodBourWaries THE SUBJEC7IS SITUATED BE EN ROUTE 581 AND MARKET 850 H 100+ Commerdal 10 % • STREET AND BETWEEN 19TH AND 32ND STREET IN A RESID NTIAL SETTING. 265 Red. 80 Other 5 % ' hborfaod ~ THE NEIGHBORHOOD CONSISTS OF VAR{ S STYLE MAINLY SINGLE FAMILY D LLING SIMILAR IN BUYER " APPEAL AND CONSTRUCTION QUALITY. MAJOR EMPLOYERS AND DESIRED AMENITIES ARE AVAILABLE WITH A SHORt COMMUTE. NO ADVERSE MARKETABILITY FACTORS WERE NOTED. Market Corxiitiorrs sxdrxli s for fire above corrdusions CURRENT MARKET CONDfT10NS ARE CONSIDERED STABLE AS MORTGAGE INTEREST RATE NAVE BEE AVAILABLE IN THE 6% TO 7% RANGE FOR AN EXTENDED TIME PERIOD. SELLER CONCESSIONS ARE TYPICAL WITH FHA AND VA FINANCING. Dhnensions AS PER LEGAL DE CRIPTION Area .15 ACRE MOSTLY RECTANG View RESIDENTIAUAV S Classification R-1 RESIDENTIAL SEAM RESIDENTIAL USE Zon Coro iartee X Grandfathered ills No Zan' I describe hr the ' and best use d s as ved or as and the use? X es No K Ab describe. UtlItlM Publk Olhar describe Public Otlrsr desaibs OfFsib T Pubtk Rivets X Wafer X Sheet trait X Gas X Sewer X FEMA tat Flood Hazard Area Yes X fto FF.MA Flood Zeta ZONE C FEtM # 420357 FEMA Dale 12/11/81 Are Ire utillks arrdJor off-silo i for the market area? X Yes No If No delrxibe. Are tlrere adverse site conditions or extarirai fachors easements errcoadsrrerrfs emironmerdal conditions land uses etc. ? Yes X No tf Yes, describe. SITE IMPRO MENTS CONSIST OF LAND APING WHICH IS MAINLY IAWN W{TH VARI TREES' PLANTIN AND SHRUBBERY. THERE WERE NO ADVERSE ENVIRONMENTAL CONDITIONS NOTED HOWEVER THE APPRAISER IS NOT AN ENVIRONMENTAL RISK SCREENER OR AU IT Foea+ds/oy- Eritfor i ~ UniB X One One witlr lhrit Correele Slab Crar1 Foundation Wale Concrofa/BLK/AVG Fbps HRDWO/CARP/AVG #dSbries TWO Frtil Basement X Parlal Brpenent Exterior Wals BRICK/FRM/AVG WaNs PlasterlAVG T X AtL 3•Dst.lEnd Urrit X Fxlstin Urxier ConsL BaserrrerrtArea 0.00 ft 68serrrent Fhtlsh 70% % Roof Bullets COMP/SHG EfAVG Gutters Q Down is Metal/AVG TdmlFkrish Wood1AVG Bath Fbor VINYLAVG ' n TRAD/AVG OutsideE S WlndowT VINYLD/WAVG BalhWahrscot TILE/AVG YrarBult 1949 Evidenced infestation StxmSashllrrsrrlaled THERMOlAVG Cars bone Elfedive rs 20-24 YEARS meM Sc EXIST ING/AVG X #dCan; TWO Attic None Fieaa X FWA MNB RaAart Amenities Woodsb s # Orlv ew Surface Concrete X 5tatr Stahl Other Fuel Gas X lea s 1 X Fence REAR X #otCara 1 Fba Saytlle X Central Air X atin0edr Pat Pardr # of Cars Fhr Healed Irtdlviduet Otlra Poot OBrer X Aft Det. Built-in X Dkhwastrer t~lco Washer Otirer desatbe Finished area above contains: 8 Reortrs 3 Bedroans 3.00 8 s 2280.00 oars Feet d Gross Area Above Grade Additional features efficient ibms, etc. WINDOWS REPLACED WITH VINYL CLAD THERMOPANES FIRST FLOOR FAMILY / BEDROOM ADDITION WITH A FULL BATH PARTIALLY FINISHED LOWER LEVEL FENCED REAR YARD DETACHED STORAGE SHED. Oesabe conditlondthe rid needed deleybralbn reravations rerrrodel etc.. THE UBJECT 15 CONSIDERED IN OVERALL AVERAGE CONDITION AS TYPICAL MAINTENANCE PROCEDURES HAVE BEEN SATISFACTORtLLYCDMPLETED. NO MAJOR REPAIRS OR MODERNIZATION ARE REQUIRED FOR FAVORABLE MARKETABILITY. Are (here an defktierxties or adverse conditions tl~ alkct the tivabi' ,soundness or stnrctural in d 1h6 Yes X No K Yes describe THERE WERE NO ADVERSE PHYSICAL ISSUES OBSERVED HOWEVER THE APPRAISER IS NOT A STRUCTURAL ENGINEER OR HOME INSPECTOR. Goes the conform b the ne functional , s condition construction, etc. ? X Yes No M No, describe THE PROPERTY CONFORMS TO THE NEIGHBORHOOD IN TERMS OF DESIGN AND APPEAL. THE SURROUNDING DWELLINGS ARE MAINLY SINGLE FAMILY RESIDENTIAL STRUCTURES. rreaore neat corm iu n~cn ~ Fannie Mae Form 1001 March 2005 ClickFORMS Appraisal Software 800-622-8727 Page 1 d 12 CONNOR GROUP File No. PRENTICE Uniform Residential Alaoraisal Report case N°. There are 8 amen offered fa Sale in the s hbodtood in trgn S 225 000 to S 300 000 There aze 23 tom sales in the su ' ne boyhood widtin the t twelve mordhs i ~ sale from 225 000 b 300 000 FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 2926 CHESTNUT STREET CAMP HILL PA 17011 3017 CHESTNUT STREET CAMP HILL PA 17011 2717 CHESTNUT STREET CAMP HILL PA 17011 124 N. 27TH STREET CAMP HILL PA 17011 Proximi loS 0.06 mika E 0 08 mika W 0 ile 25 NW Sale Pros S N/A S 254 900 . S 255 000 . m s S 254 900 Sak PriceAGross Liv. Area 0.00 . R 127.20 . R ____ ____ 134.92 . R 128.22 . ft. Data Sou s I ~ MLS/CH MLSICH -~- MLS/CH ~- - _-- Vedfication So s VALUE ADJUSTMENTS PUBLIC RECORD DESCRIPTION PUBLI R DESCRIPTION ECORD - S Ad' PUBLIC R DESCRIPTION ECORD - S Ad' PUBLIG RECORD DESCRPTION - S Ad' Sale or Fnarai CONV ~ CONVl46/DAY/M COM!l151DAY/M CONVJ56/DAY/M Conoessidns NO CONCESS NO CONCESS SELLER ASSIST -5 NO CONCESS Dale d SaIPJT'sne ___ t/2008 _ 6!15/2007 8/24/2007 4!712006 +14 00 Location SUB%AVG SUB/AVG SUB/AVG SUS/A + -12 80 LeasNwldJFee Fee S Fee Sim Fse Sim a Fee Si e Site .15 AC/AVG .13 AClAVG .13 ACJAVG .16 AC/AVG View RESIDENTIAUAV RESIDENTIAUA RESIDENTIAUAV RESIDENTWL/AV Des' S TRAD/AVG TRAD/AVG TRAD/AVG TRAD/AVG _. Oual' dCatstrurtliort 8RK/FRM/AVG BRK/FRMlAVG VINYUAVG +765 BRK/FRM/AVG Actual 59 YEARS EST 56 YEARS EST 78 YEARS E T 69 YEARS EST Conditiat Avers A Ave e q Above Grade Taal Ratite Total Bd Batlrs Total Bapts Total Bdmrs Batirs Room Court Gross U ' Aru Basement ~ Finished RoomsBebwGrade 8 3 3.00 2280.00 PartiaU 644 sf RECRM 8 4 1.50 2004 . R FWI BASE UNFINISHED +7 +8 9 +100 7 3 2.00 1 880 . R Fult BASE UNFINISHED +5 0 +9 75 +100 6 3 1.50 1 988 R Fuif BASE UNFI (SHED +7 5 +7 30 +100 Furtctbnal Utiti Av A e A q GAS/CA GAS/CA GAS/CA OIUNO CA +3 E.ifickvtt Items ThERMO WIND ThERMO WIND ThERMO WIND ThERMO WIND G 1 CAR GARAGE 0 CAR GARAGE +5 1 CAR GARAGE 0 CAR GARAGE +5 0 PordvPatio/Deck Patio Patio PAT POR PAT POR -5 FIREPLACE 1 FIREPLACE 1 FIREPLACE 1 FIREPLACE 1 FIREPLACE Net t oral X + S 20 400 X + S 22 400 X S 24 500 Adptsled Sale Price Net Adj: B% Net Adj: 9% Net Adj: 10% d Gross : 8% 5300 Ad : 10% 277 400 ': 20% { 279 400 1 X did did not reeeatdt the sale a transkr d the and sales, It no a NO RECENT SALES NOTED. research did X did not nveal Sales a transfers Oi the for the three b the eftecUve dale d tltiS Data s PUBLIC RECORD research did X did rat reveal w sales or transient d the cart sales for the ar to the dale d sale d the co sale. Data so s PUBLIC RECORD the resorts d the reseerttt arty! d the sale or transfer h' d the and sales additional sales on ITEM SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Dale dPrior Sale/fransfar NO SALE IN LAST NO SALE IN iJ~ST N SALE IN LAST NO SALE IN LA T R1cedPriaSale/frdnsfer THREE YEARS YEAR YEAR YEAR Data s PUBLIC RECORD PUBLIC RECORD PUB IC RECORD PUBLIC RECORD Effective Dais d Data s 1!3012008 1/30/2008 1130/2008 1/30/2008 ' d sale orirartskrh i dlhesu and co sales NO RECENT S UBJECT OR COMPARABLE TRANSFERS NOTED. SummarydSalea Camparlsat Approach THE SALES COMPARISON APPROACH TO VALUE WAS IVEN THE GREATEST EMPfiASIS. THE COST AND INCOME APPROACHES WERE N t CONSIDERED APPLICABLE. FOR SALES AND LISTINGS NOTED ABOVE THE NEIGHBORHOOD WAS CONSIDERED DETACHED HOMES SITUATED WITHIN CAMP {. HILL BOROUGH BETWEEN 225 000 AND 300 000 DOLLARS AS REPORTED BY THE CENTRAL PENN MULTI LIST. Indicated Value Sales S 276 000 MdgLd Value : SsMs S 276 000 Cost S N/A Income S N/A ~.. `~- ;~ y~ This appraisal is made X 'as ~; subject b carnplelion fret plans and specifications on the basis d a hypothetical tonditiort that ate tmproventertts have been canPk:ted, Q subject b the tofiowirtp repays ar alYeratiorts on the basis of a hypothetical oonditiorr that the repays or alteradats have been completed, a Q su6jec3 b the M iced Lion based on the exfraordin that the condition or deficient does not uire ailsrMlort or 'r. ~` Busd on s compNb viwal inspectlon of fha irdsrior and etttedw uus of the aobjett property, dMlrted stops of work, statement d aswmptiorrs and fimifMg eonditlons, and apprNpr's certMcetlen, my (our) opinion d the market value. n defined, of the rut prttperty tlut N Me wttjeet atthk report k 278 000 as of Janus 25 2008 whkh is the dace d f and the sfhcdw date d this rreddte Mac corm N Marcxt Lwb Famtie Mae Fonn 1004 March 2005 ClidcFORMS Appraisal Software 800-622-8727 Page 2 of 12 CONNOR GROUP File No. PRENTICE Case No. ESTIMATED REPRODUCTION OR REPLACEMENT CAST NEW OPINION OF SITE VALUE _; 62 000 .SOUIt~B d cost data 2280.00 . Ft ; -; ~y ~~ Etlectlredabdcastdata esmt. 644 .Ft S =; `. Comrtients on Cost toss ' aea cabulatkxis etc. 0.00 . Ft ; =S Total fsdmate d Cost~letir =; 0 Less Ph 35 Functional E~mernel 0 =; 0 Cost d nts =; 0 K •As-is' Value d SiOe I is =5 Estima~d ECOrgmic Life D and VA on 35-45 Ye Indkaled Value Cost ach = N/A MICOME APPROACH t0 VAWE not Pantie Mtu. Es6maled Month Market Rant i x Gross ' ' - Indicated Vakra lrrcome d kxarle adl r for market tars and G __ ___ - _.--- - --_`-- _-- _--PROJECT{I~ORMAT1~iFORPUDs(Nap~Ncabwj____-- _ _ _- Is the deveb buikkx in contrd d the Fbmeowrrer's Association OA ? Yes No Unit s Detached Attached PraNide the idormafion For PUDa ONLY N the builder is h control d tha t10A and the is an attached dwe ' al Named ' ._-_____ und. _. _ __--- Tote) number d arRS Total number d units Total number d units sob Total rnat>ber d oils rented Total number d units For sale D~a s Was the sealed the Conversion d e .. s irgo a PUD? Yes No ff Y date d corrversicn. Does the OroieCt corUan any nrull~dwe units? Yes No Data soots. Freddie tdec Form 70 March 2005 ranrre mae ram gun mmi:n cw~ ClickFORM5 Appraisal Sof&vara 800-622-6727 Page 3 of 12 CONNOR GROUP EXTRA COMPARABLES 4a-6 File No. PRENTICE Case No. Borrower PRENTICE WILLIAM JOANNE Properiv Address 2926 CHESTNUT STREET City CAMP HILL County CUMBERLAND State PA Zip Code 17011 Lender/C6erK N!A Address NIA FEATURE SUBJECT COMPARABLESALE# 4 COMPARABLESALE# 5 COMPARABLESALE# 6 Address 2926 CHESTNUT STREET CAMP HILL PA 17011 3001 BEVERLY ROAD CAMP HILL PA 17011 pro b g _ _ 0.23 mites N Sale price __ _ ___ _ __ _ 5 N/A 3 245 p00 S S SalePtice(GmssLiv.Aree 0.00 R 131.16 .ft __^_.__ .2 __ _ .R __------- padaSou s In MLS/CH Verification s VALUEADJUSTMENTS PUBLIC RECORD DESCRIPTION PU LIC RE DESCRIPTION CORD - SAdus DESCRIPTION - SAd' DESCRIPTI0N - SAd Sale or Fn COPiV I CASH/ODAY/MR Conoessiora NO CONCESS NO CONCESS paledSale/T'rcne Location 1!2008 SUB/AV 8872006 SUB/AVG+ +1100 -12 20 LeaseholdlFee S' Fee Sim a Fee Sim e Site .15 AC/AVG .t9 AClAVG / View RESIDENTIAUAV RESIDENTIAUA TRAD/AVG TRAD/AVG pual dCastnrction BRK/FRM/AVG BRK7FRM/AVG Actual 59 YEARS EST 68 YEARS EST Condition Avers e Avers e Above Grade Total Batlrs Total Bdmx Baths Tate{ 80 Baths Total Bdms Batlrs Room Count 8 3 3.00 7 3 1.50 +7 50 Gross ' ' Area 2280.00 . R 1 868 . it +10 30 . R . ft. Basement 6 Fn(shed RaomsBebwGrade Partial/ 644 sf REC RM Full BASE REG RM Functional A Avoca e GASICA GAS/CA E1fir9entllams ThERMO WIND ThERMO WIND G 1 CAR GARAGE 0 CAR GARAGE +5 00 PorohlPatidpedc Patio Patio FIREPLACE 1 FIREPLACE 1 FIREPLACE a ~~ Net ' Stment X + 21 600 + - 0 + - 0 Adjusted Sob Price of _ - i- - _-`- ' Net Adj: 9% Gross Ad : 19% ' 266 600 Net Adj: 0% roes Ad': 0% 0 Net Adj: 0% Gross Ad': 0% I 0 the insults d the reseaxeh and d the sale or tra nsfer hisb d the su ' a nd sales ITEM SUBJECT COMPARABLESALE# 4 COMPARABLESALE# 5 COMPARABLESALE# 6 Dale dPrior Sale/Transfer NO SALE IN LAST NO SALE IN LAST Price d Prior Sale7Transfer THREE YEAR5 YEAR Data Sources PUBLIC RE ORD PUBLIC RECORD EtTective Dale of Data s 1!30! 008 1130 008 ClickFORMS Appraisal Software 800-622-8727 Page 4 of 12 CONNOR GROUP Pile Nn PRFNTICF untrortn This report form is designed to roport an appraisal of a one-unit property or a one-unit property with an accessory unit; induding 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 ux, intended uxr, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptiara and limiting conditions are not pertnitOed. 1'he appraiser may expand the scope ct work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certifications aro also not pertntlted. However, additional certifications that do not constitute material alterations to this appraisal report, such as thox required by law or those related to the approfae~s continuing education or membership in an appraisal organization, aro permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requiroments of this appraisal roport forth, induding the following definition of market value, statement of aswmptions and limiting conditions, and certifications. The appraiser must, at a minimum: (t) 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 roliable 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 tender/dlent DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all c~nnditions requisite ib a fair sale, the buyer and salter, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implidt in this definition is the consummation of a sale sa of a specified data and the passing of title from seller tp buyer under conditions wheroby: (1) buyer and seller are typically motivated; (2) both parties aro well Informed or wail advised, and each actng in what he or she considers hla or her own best interest; (3) a roasonable time is allowed for e~osuro in the open market; (4) payment is made in tertna of cash in U. S. doNaro or in terms of financial arrangements comparable theroto; and (5) the price reprcsenffi the normal consideration for the property sold unaffected by special or croative financing or sales concessions` granted by anyone assodated with the sale. `Adjuatmenffi to the oomparobles must be made for special or creathre ftnsndng or sales concessions. No adjustments aro necessary for thox cosffi which aro normalty paid by sellers as a rosuR of tradition or law in a market area; theca coaffi aro readily identirutble since the xller pays thex costs in virtually all sales transactions. Special or creative finandng adjustments can be made t0 the comparable Property by comparisons to finandng leans offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical doNar for doNar oust d the finandng or concession but the ddler amount of any adjustment should approximate the market's reaction to the finandng or concessions based an the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraisers certification in this report is subject to fhe following assumptions and liming conditions: 1. 'The appraiser wAi not be responsible for matters of a legal naturo that affect either the property being appraised or the title to R, except for information that he or she became awaro d during the rcseacrfi invohred in performing this appraisal. The appraiser assumes that the title is good and marketable and wiN not render any opinions about the tide. 2. The sppralser has provided a sketch in this appraisal report to show the approxknate dimensions of the improvements. The sketch is included Doty 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 modrd in this appraisal report whether any portion ct the subject site is located in an identified Spedai Flood Hazard Arca. Becaux the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser wAi not ghre testimony or appear in court beceux he or she made an appraisal of the properly in question, unless speafic artangements to do so have been made beforehand, or as othelvviae required by law. 5. The appraiser has noted in this appraisal roport any adverse conditions (such as needed ropairs, deterioration, the prosence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became awaro of during the research involved in performing this appraisal. Unless otherwix stated in this appraisal ropoR, the appraiser has no knowledge aF any hidden or unapparent physical deficiencies or adverse conditions of the property (such es, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverx environmental conditions, etc.) that would make the property less valuable, and has assumed that them aro no such conditions and makes no guarantees or warranties, express or implied. Tha appraiser wtll not be responsible for any such conditions that do exist or (or any engineering or testing that might be required ib discover whether such conditions exist Becaux the appraiser is not an expert in the field of environmental hazards, this appraisal report must not tie considered as an environmental aaxsament of the property. 6. The appraiser has based his or her appraisal roport and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or aherations of the subject properly wip be pertortned in a professional manner. Freddie Mac Forth 70 March 2005 Farxrie Mae Form 1001 March 2005 ClickFORMS Appraisal Software 800-622-8727 Page 5 of 12 CONNOR GROUP File No. PRENTICE Ul1iTOiff11 K@310@ftT181 APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that 1. 1 have, at a minimum, developed and repoRed this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. 1 pertortned a complete visual inspection of the interior and exterior areas of the subject property. 1 reported the condition of the improvemenffi in factual, specific banns. 1 identified and reported the physical defntiencies that could affect the livability, soundness, or structural integrity of the property. 3. 1 performed this appraisal in accordance with the requirements of the Uniform Standards of Psofeaaional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that wero in place at the time this appraisal report was prepared. 4. 1 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. 1 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 devebp them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any currant agreement for sate for the subject property, any offering for sale of the subject property in the twelve months prior tD the effective date of this appreis~, end the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise ind'rgted in this report 6. t 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. {selected and used compereble sales that are Iocationa8y, physically, and functionally the most similar to the subject property. 8. 1 have not used comparable sales that were the result of combining a land sale with the contract purchsae price of a home that has been built or wilt be built on the land. 9. I have reported adjustmenffi to the comparable sales that reflect the market's reaction to the differences between the subject property end the comparable sales. 10. I verified, from a disinterested source, all information in this report that wee provided by parties who have a financial interest in the sale or financing of the subject property. 11. 1 have knowledge and experience in appraising this type of property in this market area. 12. 1 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 aroa in which the property is located. 13. I obtained the infomratbn, estimates, and opinions famished by other parties and expressed in this appraisal report from rNieble sources that 1 believe to be true and coned 14. I have taken Into cronsiderotion 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 opin'pn of market value. I have noted in this appreisad report any adverse conddions (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 sutrjsct property or that I became aware of during the reseerdr involved in performing this appraisal. I have considered these adverse conditions in my analyaia of the property value, and have reported on the effect of the conditions on the value and marketability of the subject properly. 15. I have not knowingly withheld any signficant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report arc true and correct. 16. f stated in this appreisal report my own personal, unbiased, and professional analysla, opinions, and condusions, which era subject only to the assumptions and limiting conditions in this approiaal report 17. I have no present or prospective interest in the property that is the sutrjed of this ntport. and I have no present or prospective personal interest or bias with respect to the participanffi in the transaction. I did not base, either partially or completely, my analysis and/or opinion of market value in this appraisal report on the nice, color, religion, sex, age, marital status, handicap, familial Status, or national origin of either the prospective owner or occuparrffi of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment andlor compensation for performing this appraisal or any future or antidpated 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 reauft or occurtence of a spedfic subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all condusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from shy individual or individuals in the performance of this appraisal or the preparation of this appraisal report, I have named such individuals) and diadosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualfied to perform the tasks. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I wAl take no rosponsib0ity for it. 20. I identified the lender/dient in this appraisal report who is the individual, organization, or agent for the organization that Freddie AAac Fam 70 AAarch 2005 rarnr~e rase ram mart nnaron zwo ClickFORMS Appraisal Software 800-622-8727 Page 6 of 12 CONNOR GROUP File No. PRENTICE Case No Uf11iORt1 Ke310@flL181 21. The lender/client may disclose or distribute this appraisal roport to: the bonower, another lender at the request of the borrower, the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Cdumbia, or otherjurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained beforo 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 awaro that any disclosuro or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Un'rfortn Standards of Professional Appraisal Practice that pertain to disdosuro or distribution by me. 23. The borrower, another lender at the inquest 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 trensmitted 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 asd a paper version of this appraisal report wero delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in clvil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraisers analysis, opinions, statements, conclusions, and the appraisers certification. 2. I accept full rosponsibility for the contents of this appraisal report including, but not limited to, the appraisers analysis, opinions, statements, conclusions, and the appraisers certficetion. 3. The appraiser identified in this appraisal roport is either asub-contractor or an employee of the supervisory appraiser (or the appraisal finny, is qualified to pertorn this appraisal, end is acceptable to pertorm this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that wero adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that wero in place at the time this appraisal report was propared. 5. If this appraisal roport was transmitted as an "electronic record" containing my "electronic signaturo," 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 reprosentation of my signaturo, the appraisal report shall be as affective, enforceable and valid as if a paper version oP this appraisal roport wero deliverod containing my original hand written signaturo. APPRAISER ~`~ ~\ Signature Name MICHAEL CONNOR Company Name CONNOR GROUP Company Address P. O. BOX 4734 HARRISBURG. PA 17111 Telephone Number 717-561-8587 Ema~ Address C2ICONNORC~AOL.COM Date of Signature and Report FEBRUARY 4, 2008 Effective Date of Appraisal January 25, 2008 State Certification # RL-000794-L or State License # or Other (describe) State PA State # Expiration Date of Certficafion or License 6/30/2009 ADDRESS OF PROPERTY APPRAISED 2928 CHESTNUT STREET CAMP HILL. PA 17011 APPRAISED VALUE OF SUBJECT PROPERTY 3 276,000 LENDERlCLIENT Name Company Name N/A Company Address N/A Email Address SUPERVISORY APPRAISER (ONLY IF REQUIRED) Name Company Name _ Company Addross Telephone Number Email Address Date of Signaturo State Certification # or State License # State Expiration Date of Certification or License SUBJECT PROPERTY ®Did not inspect subject property Did inspect exterior of subject property from street Date of Inspection ^Did inspect interior and exterior of subject property Date of inspection COMPARABLE SALES ^Did not inspect exterior of comparable sales from street ^Did inspect exterior of comparable sales from street Date of Inspection rreuo~e Mac ronn /U Marrn 1UU5 Fannie Mae Fonn 1004 March 2005 ClickFORMS Appraisal Software 800-622-8727 Page 7 of 12 CONNOR GROUP LOCATION MAP ADDENDUM File No. PRENTICE Case No. 8onower PRENTICE +MLLIAM JOANNE Property Address 2926 CHESTNUT STREET City CAMP HILL County CUMBERLAND Slate PA ZiDCode 17011 LenderlClient N/A Address NiA ~ ~ ~~ ~ MapPoint' ~r ~, ~ ~y Holy Spirit '4j ~ .d r':~ HospRal ~, Rc~ ~.' ~ to 10fpd Shnro r ~, Country Club >3 Chri-+ian ~ tY :~1 L 5i~b~rt l? a ldern~ri_i! c~ Park 1$ . .. '~ S ~ St~ ~ ~~~~ ltd ~ ~ ~ ~ px~ri4~SC 4~ Gh?b ~ ~' ,~ us ~ ei St C~r~ ~ ~s' ~-~ 4:ana~' St- m G~ ,,5i. pr ~ ~ ~rn '~~ z ~ ~ ~ a UP9~ Sf ~ ~~ S tyy (~i 11 ~, ~. `~fillou~ ti.. +r ~~aD ~ rri W.. ?ark ~' . o. ~_ __ Camp Hill }{~h ~ -.. g~edfotd ~ SALE 4 s .SALE 3 I ~ Cemetery thosne. ~ N . ~~t St ~µ~,ttut Sti N Market St ~ Camp Hill ~ ~- - ~~~eti t. WhilgpY4n Auay s m ChestnUk St . --- ~ _ SALE 2 SALE 4 ,.. --~ ~, -- - ------ " ~; to &~ ~ ~ ~ ~ sal: ~~ `~ ~~~ ~ K "'; ~t~ ~, ~ ~ Fi 3la ri alQ6 ~+ ~ Camp Hill tit~'~~ AFB OtiOn "~~ _ N Shopping Adap ~1~~y0t114V9 ry a `~ '~'~~ - :581 _ ~Y° " _ . _ r. ~~ ,Z ~• _ ~. White HiY~ ii i ~fii~u~ pt 15 t~ a c~~~ , ' I R~ Ge~S'~u~~ ~ ~~ `,'~ ~ ~+1ew ygcK AVe o~~~ `j 82200E MicrosoR Corp X2007 NdV1EQ , anA jorTefe Adis , Mc . ClickFORMS Appraisal Software 800-622-8727 Pam 8 of 12 CONNOR GROUP SUBJECT PHOTO ADDENDUM File No. PRENTICE Case No. Borrower PRENTICE WILLIAM JOANNE Property Address 2926 CHESTNUT STREET City CAMP HILL County CUMBERLAND StaOe PA Zip Code 17011 lendedGrcnt NIA Address N!A FRONT OF SUBJECT PROPERTY 2926 CHESTNUT STREET CAMP HILL, PA 17011 REAR OF SUBJECT PROPERTY STREET SCENE Page 9 of 12 t;rrcrctURMS Appraisal Soflwa2 B00-622-8727 CONNOR GROUP COMPARABLES 1-2~ File No. PRENTICE Case No. Borrower PRENTICE WILLIAM JOANNE PropeAyAddress 2926 CHESTNUT STREET City CAMP HILL County CUMBERLAND Stale PA ZpCode 17011 LerrderlClient N/A Address N/A CIiCkFOftMS Appf81Sa1 SOTUNBfe tl0U-61L-tl(1 COMPARABLE SALE # 1 3017 CHESTNUT STREET CAMP HILL, PA 17611 COMPARABLE SALE # 2 2717 CHESTNUT STREET CAMP HILL, PA 17011 COMPARABLE SALE # s 124 N. 27TH STREET CAMP HILL, PA 17011 Page 10 of 12 CONNOR GROUP USPAP COMPLIANCE ADDENDUM File No. PRENTICE APPRAISER'S CERTIFICATION: The following Certification statements are in addition to and may supersede the signed Appraixr's Certification attached to this appraisal report. This Appraiser's Certification is compliant with the current edition of the Uniform Standards of Professional Appraixl Practice. I certify that, to the best of my knowledge and belief: The statements of fad contained in this report are true and correct. The reported analyxs, opinions, and conclusions are limited only by the reported assumptions and limiting conditions and are my personal, impartial, and unbiased professional analyxs, opinions, and conclusions. I have no present or prospective interest in the properly that is the subject of this report and no personal interest with respell to the parties involved. I have no bias with respell to 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 compensation for completing this assignement is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the Giant, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended ux of this appreixl. My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice. I ^X have ^ have not made a personal inspection of the property that is the subject of this report. (If more than one person signs this cert~cation, the certification must dearly specify which individuals did and which Individuals did not make a personal inspection of the appraised property. ) No one provided significant real property appraisal assistance to the person signing this certification. (If them are exceptions, the name of each individual providing sign cant real property appraisal assistance must be stated.) PURP05E, INTENDED USE, AND INTENDED USER OF THE APPRAISAL: The purpose of the appreisal is to estimate the market value of the subject property, as defined in this report, as of the effective date of this report. The intended ux of the appraixl is to assist the client and any other intended users in the underwriting, approval, and funding of the mortgage loan. The Intended uxrs of this report arc the stated client and any other institut'ans involved in the underwriting ,approval, and funding of the mortgage loan. No one elx, inducting the purchaxr and seller, should rely on the estimate of value or any other condusiona contained in this appraisal report ANALYSIS AND REPORT FORM: The appraisal is based on the infonnetion gathered by the appraiserfrom public recorcls, other identified sources, inspection of the subject property and neighborhood, and selection of comparable sales, listings, and/or rentals within the subject market area. The original source of the comparable data described in the Data Source action of the market grid along with the source of confirmation provided, whero available, the original source is presented first The sources and data are considered roliable. When conflicting information wee provided, the source deemed most reliable has been used. Data believed to be unreliable was not included in the report or used as a basis for the value conclusion. The extent of the analysis to this assignment is stated in the Appraiser's Certification included above and attached to this report. DEFINITION OF INSPECTION: The term "Inspection", as used in this report, is not the same level of inspection that is required fora "Professional Home Inspection". The appraixr does not fully inspect the electrical system, plumbing systems, mechanical systems, foundation system, floor structure, or subfloor. The appraiser is not an expert in construction materiels and the purpose of the appraisal is to make an economic evaluation of the subject property. If the client needs a more detailed inspedron of the property, a home inspection, by a Professional Home Inspector, is suggested. DIGITAL SIGNATURES: The signature(s) affixed to this report, and certification, were applied by the original appreixr(s) or supervisory appraiser and represent their acknowledgements of the facts, opinions and conclusions found in the report. Each appreixr(s) applied his or her signature electronically using a password encrypted method. Hence these signatures have more safeguards and carry the same validity as the individual's hand applied signature If the report has ahand-applied signature, this comment does not apply. OPINION OF MARKET VALUE VS ESTIMATE OF MARKET VALUE: The current Un'rform Standards of Professional Appraisal Practice defines the market value conclusion as an opinion of market value and not an estimate of market value. THREE YEAR SALES HISTORY FOR THE SUBJECT PROPERTY: The appraiser has complied with Standards Rule 1-5b and 2-2b (ix) requiring the appraiser to analyze and report all ales of the subject property that occurred within the these (3) years prior to the effective date of the appraisal. If this information was available to the appraixr(s), it is reported ~, in the subject column of Sales Comparison Analysis action of the appraisal report. EXPOSURE PERIOD: By studying the sales of similar comparable residential properties with value ranges as identified in the Neighborhood section of this report and discussions with individuals knowledgeable of current neighborhood trends in the subject area, the appraixr feels that the exposure time for the subject prop i equ to the i d Marketing Time identified in the Neighborhood section of this appraixl report. Signature ~` Signature ^ Did ^ Did Not Name MICHAEL CONNOR Name Inspect Property Date Report Signed FEBRUARY 4, 2008 Date Report Signed State Certification # RL-000794-L State PA State Certification # State Or State Licenx # State Or State Licenx # State ClickFORMS Appraisal Software 800-622-8727 Page 11 of 12 CONNOR GROUP SKETCH ADDENDUM File No. PRENTICE Case No. Borrovrer PRENTICE WILLIAM JOANNE Property Address 2926 CHESTNUT STREET City CAMP HILL County CUMBERLAND State PA Zip Code 17011 LenderlClient N/A Address N/A 18 w FamMyRoom 8 Room a- w i 19 ~ 35 FirstFloar BalhRoom m Den Batlt Room Bedroom 'I 12 Kitchen Dirieg Room N N ao Second Floor m 0 Bedroom Bedroom Liwrtg Room 35 23 I I Calculation Summar De tail Lirinp Are• Rnt Floor 130D D Living Are• Fint F{oor 1300.0 t 3 Z Sscond Roar Total Liring Are• . 980. 2280.0 A7: 8.0 X 19.0 = 152.0 AZ: 18.0 X63.0=1000.0 A3: 20.0 % 7.0 = 14D.0 Second Flaa 81:28.0X35.0 = 980.0 Total Living Arsa 80A 228 D.0 Grand TDtal Livin Area 2280.0 Gera a Are Porch Area P ^tio/back Ares Miec. Area aaa ement Ares 61ora a Afee Lot Aru CIk:kFORMS Appraisal 5oT(Ware Sua6[z-srL~ rage i[ Dr i iNVO~cE Date: FEBRUARY 4, 2008 Prepared for. N/A N!A Property Appraised: File No. PRENTICE Case No. PRENTICE, WILLIAM, JOANNE 2826 CHESTNUT STREET CAMP HILL, PA 17011 REAL ESTATE APPRAISAL $ 275.00 S PAID BY CUSTOMER $ 275.00 Total Amount Due: $ 0.00 Please make checks payable to: MICHAEL CONNOR P. O. BOX 4734 HARRISBURG, PA 17111 1i11CKr' VRMJ hpp~a~sw ,7vawmc vvv--v~~-v. 6, M8T Barak i '499 Mitchell Road, Millsboro, l)E 199Ci6 Mail Code rJF,-MB-12 ` /+> i)erember 1R, 20U7 Mark Prentice, Executor Estate of: William Prentice 2920 Lincoln Street Camp Hill, Pennsylvania 1701.1 Re: Estate of William Prentice Social Securft_u: 200-24-4419 Date of Death: November 26, 2007 Dear Sir or Madam: Per your inquiry received December 11, 2007, please be advised that at the time of death, the above- named decedent had on deposit with this bank the following: 1. Type of Account Checking Account Accou-lt Number 69366799 Ownership (Names o~ William Prentice "` Opening Date 08/28/68 Balance on Date of Death $26, 509.05 Accrued Interest $ 0.99 Total $26, 510.04 2. Type of Account Account Number Ownership (Names o~ Openiny Date Balance on Date of Death Accrued Interest Total Checking Account 9843066409 William Prentice 03/ 02/ 07 Closed 12/ 03/ 07 $ 5.00 $ 0.00 _. $ 5.00 3. Type of Account Cerli ftcate of Deposit Account Number 031003918447680 Ownership (Names of) William Prentice Opening Date 03/ 02/ 07 Balance on Date of Death $16,378.63 Accrued Interest $ 177.93 Total _.. _ _ $i 6, 556. S6 4. Type of Account Cert~cate of Deposit Account Number 031003918447771 Ownership (Names ofJ Wi(liarn Prentice '~ Opening Date OS/ 09/ 07 t3alance on Date of Death $10,6.14.25 Accrued Cnterest $ 22.96 Total $10, 637.21 S. Type of Account Safe Deposit Box Box Number/Location 0001964 /West Shore Plaza Ownersl~up (Names of) William Prentice Joanne A Prentice Opening Date 05/24/06 °t For further account information, regarding ownership, closures and/or reimbursement of funds, etc., please contact the Lemoyne Plaza Office at # 717-255-2271. M & T Bank L'~OD Unit /Records Management ~~i ,j °. ~` ii` 1 (`. ~, ; h,'•. _ .~. dl/. / IU// N1 i~ /~ ! L l' ~ ` pCGENn~3L'n Y, 2.0o z ?v ~horvz i~l i w- P ~ 5'!'. .._. '_'"'"" CAM µ ~ L L~ ~{~- / -r „ D o. ~ ~t - 25-,ao~Z y-- _ _ _ .. ~._ .o , nn A rP k ~S• # Isla -5 s - y ~' Zq 20 ~lN camp µ, L c. ~ _"'/ ~...ea..•G, :.r.~:•+~-ter rn~ ~ +~ P Q~tisT~ ~' ExEVUTO~2 ~ ~.~~ ~p3 ~ -,spy (yam m~ :n..~ xelley rilue Book Print Page -MSN Autos ..` AUTOS s~s~- ~ Kelley Blue Book ~~~~ ~~ - ~.~ Trade In Report 2002 Buick Century Custom Sedan 4D V6 3.1 Liter Engine Automatic Transmission 35,000 Miles Pennsylvania Selected Equipment C.~~1 Page 1 of 1 Your comp/ete source for car buying information Wednesday, January 30, 200b FWD Air Conditioning Cruise Control Dual Front Air Bags Power Door Locks Power Steering Power Windows Tilt Wheel Traction Control ABS (4-Wheel) AM/FM Stereo Cassette Single Compact Disc Power Seat Steel Wheels Vehicle in "Good" Condition A "'good" vehicle rating means that the vehicle is free of any major defects. Many cars owned by consumers fall into this category. The paint, body and interior have only minor blemishes (if any), and there are no major mechanical problems. Rust, in areas of the country where it is a problem, should be minimal and a deduction should be made to cover the cost of correcting it. The tires match and have substantial tread remaining. A clean title history is assumed. A "good" vehicle may need some reconditioning to be sold at retail, but major reconditioning should be deducted from the value. *Trade-In Value Trade-in Value represents what you might expect to receive from a dealer for a consumer-owned vehicle. Keep in mind that the dealer must then absorb the cost of ~ C ~ i O making the vehicle ready for sale, advertising, sales commissions, arranging J ~ 1 financing and insurance and standing behind the vehicle for any mechanical or safety problems. Back to ~eliey Blue ~3ook Ga to MSN .Autos t~sec~ Car Marketplace Copyright O 2008 by Ke/%y Blue Book Co., A/l R/ghts Reserved. Jan-Feb 20AB EdiTion. The information in this report !s Intended for the personal use of the customer only and may not be sold or transmitted to another party. We assume no responsibility for en-ors or omissions. http://autos.msn.com/kbb/printpage.aspx?type=tradein&tid=21259&make=Buick&model=... 1 /30/2008 APPRAISAL rv Personal Property of (c-' /~1, %~~'t ti~ i ~ ~ ,,` 5 ~~: ~ %~ ~ 9 ~. ~ C 1>~ ~; ~~~ y ,_.- ,~ ~.. ~ ~~;> ~', ~~ ~ ~ i' ~. Appraised by Chuck E. Bricker AU094-L Date ~-_. ~ _ ~^ ITEM VALUE ITEM VALUE /5- . _._ f~. ac l" ~ / ~ ~L- ~f G 4' JJ ~f ~~ J ~ -C, G ~_ `? ; ~ 1.~~,~~ Tim ~~~=r i!~.,Ia /-'~~c.~; ~~jr__:~ ~ C. t~t ~ ~yL s~ ~ ,3~,Gc; t`'~ G~'~C ~~ l-~ /,L'~ ~ T~. ~ 5 E T ~f l~ fi't' ~ it ':~.t~ ~E" ... ,~~ /\\~ . ~C. ~ ,~ ~-~ 1~LL ~ LL`- { y. 1.~~`J ~T .~-t~ G U }1f=TEL ~- ~'~~ ~L~',UG` t•Z M ~~ 'dC~ :. ~ ~~ / ~'~ G Y . ,; 1_j • ~ ~ ~, ~. -- ~+ .J ~ .1,~ ~~~" s`G~~~ J ~~ • t} tJ k-..- `.~ l) '_~' 40+~ ..'~ ~~k i0•t}4+.~ ~O • ~a}, ~~ , 04+.~ ~ti•00~' ~d.pp 3~'~~~ ~~•U~+~ `~ • ~~+~ 2~.~0*_ ;~ ~'~' 0~+~ 1~'~'~~ 0 , ~p+-t ~7 4 • ~ ~ ~ 1~`U~kr' 1 ~•~t7r~. t~Q•~~~. /~ • ~~~.~ i~~• 3~}~ ,!} '~~ ~~ , CLOTHING AT THRIFT SHOP VALUE: (~ Sports shirts 37 @ $1 ea. $ 37.00 Slacks 29 @ $2 ea. 58.00 Sweaters 23 @ $2 ea. 46.00 Jackets 11 @ $5 ea. 55.00 Coats (all weather) 3 @ $5 ea. 15.00 Wool coat (full length) 1 @ $10 ea. 10.00 Swimsuit (new) 1 @ $5 ea. 5.00 USA Olympic gear 2 @ $3 ea. 6.00 Dress shirts 14 @ $1 ea. 14.00 Ties 27@ .25 ea. 6.75 Belts (leather) 4 @ $1.00 ea. 4.00 Belts (fabric) 4 @ .25 ea. 1.00 Sports coats 7 @ $3 ea. 21.00 Shoes 12 @ $3 ea. 36.00 Sneakers 1 @ $1 ea. 1.00 Boots 1 @ $2 ea. 2.00 Bedroom slippers 1 @ 1.00 ea. 1.00 TOTAL $ 318.75 HOUSEHOLD GOODS AT THIFT SHOP VALUE: ~ ~. ~ Tablecloth 1 @ $2 ea $ 2.00 Doilies 5 @ .20 ea. 1.00 Slipcover pillows 5 @ $5 ea. 25.00 Comforters 5 @ $6 ea. 30.00 Quilts/Coverlets 4 @ $5 ea. 20.00 Flat sheets 16 @ $1 ea. 16.00 Pillow cases 25 @ .50 ea. 12.50 Blankets 9 @ $2 ea. 18.00 Drapes 1 @ $2 ea. 2.00 Shoe rack 1 @ $1 ea. 1.00 TOTAL $ 127.50 MEN'S UNDERWEAR AT THIFT SHOP VALUE: ~ ~.~ Underwear 21 @ .50 ea. $ 11.50 Undershirts 8 @ .50 ea. 4.00 Long underwear S @ $2 ea. 10.00 PJs 4 @ $2 ea. 8.00 PJ tops 5 @ $1 ea. 5.00 Socks 51 @ .50 ea. 25.50 Dress shirts 2 @ $4 ea. 8.00 Hankies 34 @ .10 ea. 3.40 TOTAL $ 75.40 ~ ~"~ .+r - ~`~ ~a J t~.t t t ~-:a I~ tit ~t ~ •, December 11, 2007 Mr. Mark Prentice 29:?0 Lincoln Street Carnp Hill PA 17011 MYER5-HARNER FUNERAL NOME. INC. 1903 MARKET STREE'C CAMP HILL. PENNSYLVANIA UOtI 717-737-9461 1.,0C;:1L,1:Y O~-\F:D:1~D OPERATF'D ~7~1 Services for William Prentice November 30, 2007 Charges for Services Selected Professional Services Use of Facilities Automotive Equipment Charges for Merchandise Selected Casket Vault Cash Advanced Newspaper Notice/Local Mass Offering Certified Copies Flowers Organist Soloist Altar Servers Honor Guards Total: Less Credit for Veterans Benefits: Total due within thirty days, please: $ 4,290.00 $ 3,375.00 1,080.00 $ 240.00 125.00 60.00 183.00 100.00 75.00 20.00 50.00 ~~ ROBE.2'F H. HARNER SC PF.R1'1 SOR DUS'f1N R. BAKER FUNERAL DIRECTOR $ 4,290.00 $ 4,455.00 $ 5$ 3 00 $ 9,598.00 _ ~ $ 9,498.00 !~/Q/coos ~K l~ /` ;- ,-