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09-22-08
15056051,047 REV-1500 EX (06-05) OFFICIAL USE ONLY PA Department of Revenue Bureau of Individual Taxes County Code Year File Number PO BOX 280601 INHERITANCE TAX RETURN ~ f Q -~ p p S^ Z Z Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth l~`~ 3.~,o~y3 osl3~,co7 0=6 3D I9~9 Decedent's L~~~ I~~anie Suffix Decedents First Name MI H ~ R s;h+ ._ _ .TR f'o s LPN L (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI N/fF 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 TO: Name Daytime Telephone Number C~HA-R ~ ~s F SH ~ E~.DS / ~ I 7 ~ 7 7GG o 20q Firm Name (If Applicable) N / ~¢ First line of address ~ C~ ousER R~D Second line of address City or Post Office State ~1~eH,4-ti i eSr~ uR~ AA~ ZIP Code REGIS~R OF WILLS~E ONLY c- ~ - - _ .; ~~o rT, ; - _„ ~ `' .. n~ - -... ~, _: ~:~ f~~ J Z I ~ - _sF. J `-~ - tV 1 D~TE FILED" S S ~ 7 ~ 5 ~ , Correspondent's a-mail address: C C S ~ ~ e ~d s 3 (~ CbMCQS ~'• he 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. SIGNATURE OF PERSON RESP N IBLE FO FILING RETURN DATE ~'. ~ . ~' / off' ADDRESS uth M. Hursh 11~, sFllenda/c ~d., McChaniesbu-rg, PA 17o5S SIGNAT F P PARER OTHER RE ESENTATIVE DATE x A~~~ fi L s/iylo~ ADDRESSChahIBS ~'.Sh;e~d5 Za'~ ~s$•, b C/ouSer 6?d., Mechctn;cs6urg, P~ /?os`s' PLEASE USE ORIGINAL FORM ONLY Side 1 15056051047 15056051047 J 15D56D52048 REV-1500 EX Decedent's Social Security Number ~t,SE/~1~1 L. JR. ~ U t2S ~ ' ~ ~ y 3 ~' D a 4 .3 ~ ~ Decedent s Name: RECAPITULATION 1. Real estate (Schedule A) . .......................................... .. 1. 7 O 2, b' 7 ~' • D O 2. Stocks and Bonds (Schedule B) ..................................... .. 2. 6 ' y 6 8 ~ D O 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C} ... .. 3. ~J CrJ 4. Mort a es & Notes Receivable Schedule D 9 9 ( ) ........................... .. 4. O O 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ...... .. 5. ~ ~ D ~' 3 (p ~ .S 6 6. Jointly Owned Property (Schedule F) O Separate Billing Requested ..... .. 6. ... ._ .. G D 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property ~ " (Schedule G) O Separate Billing Requested...... .. 7 2 a(o '7 # ~ ~` 8. Total Gross Assets (total Lines 1-7) .................................. .. 8. Q ~ .S ~ U "S 0 ,, ~ 9. Funeral Expenses &Administrative Costs (Schedule H) ...... ............. .. 9. f y .Z- t4 y ,a y,a 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) . ............. .. 10. ,3 7 / ~ ~f , c~ 11. Total Deductions (total Lines 9 & 10) .................... ......... . ... .. 11. ~ ~ (p ~ D -] 7 ~ 12. Net Value of Estate (Line 8 minus Line 11) ............... ............. .. 12. 7 / ~ a y ,Z 3 3 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which ' an election to tax has not been made (Schedule J) ......... ............. .. 13. D O 14. Net Value Subject to Tax {Line 12 minus Line 13) ......... ............. .. 14. - 7 / ,`~,- ~. y ~ 3 `-~ , TAX 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 A,~ ~ 0 15. 4 d 16. Amount of Line 14 taxable at lineal rate X .0~ 3 5 ~ ~ ~ ~ ~ 3 ` 16. ~ (Q ~ ~ p _/ y 3 17. Amount of Line 14 taxable ~ q G at sibling rate X .12 ~ ~ s 1 O ~ ~ ~ ' 17. y ~ ~ / ~ . ~{ y - 18. Amount of Line 14 taxable at collateral rate X .15 aZ ~o ' + ~" ~ 18. ~ ~ • ( Z 19. TAX DUE .......................................... ............. .. 19. ~5 1 7 S:. t/~ 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT O Side 2 15D56D5204$ ],5D56D52D48 %~x e~c~c~ ~~otiJ ~igGC' REV-1500 EX Page 3 decedent's Comalete Address: File Number a, ~ _. ~ 7~ S Z 2 UtC:tUtN I "S NHMt H u 1Q SH JoS~PH L . d2- -- _ _ _ _ _ ---- - - STREETADDRESS 2°i ~. Dn~NGE SI. C Q - ---_ _ _ _- CITY C ~ l pPE /Vd aD uRG~ STATE ^~ ZIP ~7Z~7 Tax Payments and Credits: 1. Tax Due (Page 2 Line 19) 2. Credits/Payments O A. Spousal Poverty Credit __- -- - - B. Prior Payments (o ~fl 3 ~~ .01~ C. Discount p Total Credits (A + B + C ) 3. Interest/Penalty if applicable ~ D. Interest E. Penalty p (2> ~ y 3 s~ , o0 Total InterestlPenalty (D + E) (3) Q 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) ,>, S 7 /. 96 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) D A. Enter the interest on the tax due. (5A) D B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (5B) ?~ 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 : ............................................ ^ I~ 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. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? ........................................................................................................................ ~ ^ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. 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) percen [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 far disclosure of assets anc filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, ai adoptive parent, or a stepparent of the child is zero (0) percent [72 P.S. §9116(a)(1.2)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent, except as noted ii 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, uncle Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. REV-1502 EX+ (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT - ESTATE OF FILE NUMBER !-{ U25N, JoSFO~M L. Jt7. a) -b7- Sz2 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 properly 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. ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH 1 ,¢'// ~ta~ r?erl~aln oqe-tia/~ o~ a doubly `i~LlSC /aea,~ed of ~ y ~E'. Drart9~ o!f . in /lri ,~orouy~ o~ ~S~i.~o~ocr~s6urg, (%GL~Y1~C/`la/IG~ CGl~lll~t// PGh/-a., 6G~~Itq /ltolG e(Ic~fl+~tclQr y dest^.ride~t/ in ~udfd Cerfain c~cec;~ posy, rr~xeJ •P. Hu-yter, Ti :, ~f uar, ~s ~`fe decedent, C! a,1c,d ~4u~ . 4~ a~td reCordcd :n ~i°u. Re~arderl D{~~iGG isr aura/ l 989 , ~r ~~cns,~u^/ast~/ ~vun~, ~ehhQ !~ L~eGI,~ /hook , ~C;' roL 3r{, ,ooayc ~Zo, 6e %n9 7rQ~t ivo./ ~k;~. ~~~~ua/r~~ a~oprai:ra/ pn~rit~ec~ 61. ,~rG~lG~1rt`haler, D~ />EP,O!`k/Sal o~u~ol1S /d a~/itG`iP1.~ ~i~~e~iv). x.50, DDID.DD .?. ~// '~1a1~ CerfQin mne-Lia/F' ~ 4 a~oa6/~ ~iause ~a~- 6LfYa/ of ~3/ •~; Dr2/Z~G sf ~ >~ ~Or~ok~~ of osh.;opens 6u r9 , guru ~/asfd C'okn~ , henna. , be/' ~~ parl4~wl- ur! desehi6ed in f~ eetfain deed ~~~ ~7amcs ~P. Y /~/u,nnu^, .~i~,, G/'GtX, 2t~o/'CSa/ir', ~e~'n~ 7rfa,ct' X6.2 /ti. ~~Q/u4 /ian ~opr¢/'S¢/ /~novi dca/ ~` ~9re1~ Lee1~~Yia1eY, o~ ~p~ra,'sQ/ Sn/ufiv~rJ is ~r~'`ac~icc~ !ier~ J. ~,SS, DDD. ao 3 ,~// fiat ce~fa:r, Condvr~fi~~u.m uni~' sifuafed in HE',R/Tfft:E ~C1~~5 C'm/YDO!!~/N<tLn'! , ~f apy ~//utc/Q/e ~d. ~i ~ ,8orvl~~j e~ hle~iaLnicsbkr~, Cumberlaa,d L~oan~Y , ~G/t/14. , beI/1Q /ko/G ~Q/'T/G~Gl4 ~- y des~~~'hed ~ ~ia~f' CP,r~4i,n r/eec~ ~/~ /j1a,~r D. h?arb4ln , ~ Gyr, fo ~fe deeea/eaf , tlal'ea~ dept. 22• /9~7, ata! /reorele~/ %~ ~fc /Peclo~~rs oFfcc a~v/rs¢;d~ ~,i, l~,ec~,/~ook "y " !/Q~ 3,2,)) page. 3/S t'See LeGhfbd/erS ~p/~n~cisa/ lrl/!rG`ICQ~I ! [~il~iku~~ ~/ ~'' 7, DDO.00 TOTAL (Also enter on line 1, Recapitulation) ($ 7 D 2 . h 7 ~ O D SCHEDULE A REAL ESTATE (!f more space is needed, insert additional sheets of the same size) _ X51.--- fF yll/TSi4; /D~EP~ L . J~' Fic~ ne. 2~-07-Szz _i4/l _~lr~f__Cerfiti~--~-~t °f __~i~1_-_~~~ _~--nr~~ovenen~-. _--_ -- -- -- _~n_ ioc~feo! ~__ _a!ss -Ro~~w~__R~, -~ews~~r~y, _ - 1 - ___.. _~~rJ!c_t~~iLg76/!~ . lit?~n~~,-yourfC__~oc~nf~~---~/14. , _~iein --flt~.re _ --- --- O _~o~rf-:'~u.lr_x_ry__d~s~r~-~~~_%~? ~Q~_ ~er1`a~r~_.a!~~~__~o~ _ -_ _ - - - ~eve~ y -- -.T,-- .fit l~G/^~---Qt~1~4_ _ ~at!__'~u ~~~r , _~-~-tQ- --A1°G'_P~lP~2_f, _ _ - - -- ~ _ --d~tt,.d -_/~t L-_S_,- --/9_~3_,_~ti,~t c/ ~~Go_rcle~/_!9r_-ti~° ___~e~r~~r_s _ ___. _ - __ _ -- - -- -__ - - --Q~~cc -. !/~_ ~lQ'__~r__y~rc~__~`p_ kn~`rf,__~~.~t2a.> ~r___~cc_nr-,6~ok-- --- -- --- _ ~ .,6 ..., .. d - seg. _ Le~h__t~~_4let,~ -- -~i~~a~.rr~ r -~ff~~~) _ - -- -- --- _ _ _ Sop, ~© o0 - -_-_ _ - --- -_ _-___-_5_, - ~~ ~ifaf Ce~Q%n _/sf_o~_/~__ui~f~ _~_~a~ldir9~s__ ~'e_o_~ _ __ -- ---------- --/~cnh a. , ~ // 9 Ca ~4'er St. _,- 6-- e%~~ -/yro~_~J~f~ iu !ate y _c~-essri~ta!-- -- ---- -- _-- --- - !CI_ L'~r1~Qir~ _ deecr! {»n> - /~ ~~toH ~ ~f/~ _ r~ _ux,--a-nd - - --- - - - - -- -- -- ---- - _ _~ --- ------ ~ n._ C.-- F~~!"i__e~1!ir-.--~ -~e--A!eceq!c~f.--a~ale~!_ ~~xn. /d, /9f'Z,- - --- - -- -- __ _ _- - ----__- - - ----- -_ rrroi+r/~ !t__1~i _ __~i__ec!0!'~ere- --OF~ce_ in __ aX~ ~~___ •~a~1a~ - - ------ -- - - _ __ - -- - - --- -------------------- /~j~r~~J~/_ _~rf~irtlrcdl------- ----_ ------_ _ _ --- -- --_ - ---(,- --~4/l _~tuf _~fa~n---~nc~f__6~' _ia~t~ ~t~/___~c %i1t~rove,~x~r~~ _- _ _-__ _ -.___.-----__--_ ___ _ __TE7t,1_'eflil._ __/OCaI~Gcl~ a~T _~S7 -/fl;--_~y_~nryf S~ ~ !~ ~ _~~ro__ ~j - ~~ - __ _. - -- ------~f~e/~-n-~ i~~l_K,~l~id__~!~/1,~~__/_~~'/1~1_•.,, ~ciiy--ll~i~ -~Oa!°1~c'Ck~~rltl -- - ---G~eS(%'6cq!__ ~__Cer_f4%n___c_~era!__~i^onr _d/Mary _E:~t_ohac.ck _ - - _ _ __----_-__-_ _ ___ _~xcl_ /nary__~i__ _ _ueyta_-__~ -~ ___a_!ECede~l_t_,__a~a_fea! __~e_c._~s _/99z, _- -- __ _ _ _ _ _ __ -. _ _ -_ -_-__ __ - _--- - ,~eec~_ hook _ __LP~,S_.---/?~e--_~`5 7.- -- -~hlaw ~__ 59_ oil - oz 3~ _ _ _ _ - _ - ___ - _- I Sae Cepy_ B~ R'ee-~_ - q~kcl~o/J _ - _ - - _ _ -_-_-- _ _ - _ - __ __ _ - _ - - - - - - T~ ~SeSS/l1Gn~ _ _ _ - _ -- - - -- _ - - __ _ _-- __ - _ - - - - _ _ f _ I - -- _ - _ - _ - _ - __ __ ~ -7f~/ - ~L~~ GDD _ X /, 33_ = ~.2, D~~, DO_ ~~.~, 0.78; °~- APPRAISAL OF REAL PROPERTY LOCATED AT: 29 E Orange St Deed Book 34C Page 420 Shippensburg, PA 17257-1927 FOR: Estate of Joseph L Hursh, Jr c/o Charles E. Shields III Mechanicsburg, PA 17055 AS OF: 07/0512007 BY: Brett Lechthaler, PA State Cert Gen Appr Farm GA3 - °TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE July 16, 2007 Appraisal Solutions 16 San Juan Drive Mechanicsburg, PA 17055 Phone: 717-697-1828 Fax :717-697-0220 Dear Sirs: The accompanying summary appraisal report is based on a site inspection of improvements, investigation of the subject neighborhood area of influence, and review of sales, cost, and income data for similar properties. This appraisal has been made with particular attention paid to applicable value-influencing ewnomic conditions and has been processed in accordance with nationally recognized appraisal guidelines. The value conclusions stated herein are as of the effective date as stated in the body of the appraisal, and contingent upon the certification and limiting conditions attached. Please do not hesitate to contact me if I can be of additional service to you Respectfully, a~~ Brett Lechthaler, PA State Certified General Appraiser Form DCVR -"TOTAL for Wintlows" appraisal software by a la mode, inc. -1-BOD-ALAMODE SUMMARY OF SALIENT FEATURES Subject Address 29 E Orange St Legal Description Deed Book 34C Page 420 City Shippensburg County Cumberland State PA lip Code 17257-1927 Census Tract 0132.00 Map Reference Metro:3153/G-2 Saie Price $ Market Value Date of Sale NA BOrfeWer NA Lender/Crierd Estate of Joseph L Hursh Jr. Size (Square Feet) 1,104 Pdce per Square Foot 8 Location Average Age 100+ Years Condition Fair Total Rooms 6 Bedrooms 3 Baths 1 Appraiser Brett Lechthaler, PA State Cert Gen Appr Date of Appraised Value 0710512007 Opinion of Value $ 50,000 Form SSD2 -"TOTAL for Windows" appraisal software by a la nrotle, inc. -1.800-ALAMODE Appraisal Solutions (717)697-1828 Uniform Residential Appraisal Report Flle# 7-29E.Orange The u ose of this summa a raisal re orf is to rovide tfre lender/Diem with an accurate, and ad uat sup orted, o inion of the market value of the subject rope Pro Address 29 E Ora a St C' Shi ensbur State PA Zi Gode 17257-1927 Borrower NA Owner of Publc Record Jose h L Hursh Jr. Co Cumbertand Le al Descri lion Deed Book 34C Pa a 420 Assessor's Parcel # 33-34-2415-031a Tax Year 2007 R.E. Taxes $ 130.91 Nei hborhood Name Shi ensbur Boro Ma Reference Metro:3153/G-2 Census Tract 0132.00 Occu and Owner Tenant Vacant S ecial Assessments $ PI1D HOA $ er ear er nardh ' Pro a Ri Ms A raised Fee Si le Leasehold Otlrer describe Asst nment T e Purchase Transaction Refinance Transaction Otlrer describe Market Value Londer/Cliem Estate of Jose h L Hursh Jr. Address c/o Charles E. Shields III 6 Clouser Rd Mechanicsbur PA 17055 Is the subject roe tune ogered for sale ar has h been ottemd for sale in the twelve months rfor to the effective date of this a misal? Yes No Re ort data souses used, otterin rice s and dates . There were no listin s noted in the local Multi le Listin Service wtlhin the ast ar. I ^ did ^ did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis ai the contract for sale or why the anaysis was not erfomred. No sales a reement to anal e. Contract Price $ Market Valur Date of Contract NA Is the roe se8er the owner of ubtic record? Yes No Data Source s Is tirere any financial assistance (ban charges, sale concessions, gift or dovmpayment assistance, etc.) to be paid by any party on behaff of the borrower? ^ Yes ^ No If Yes, re od the total dollar amount and describe the items to be aid. Note: Race and the racial tom sNion of the nei hborhood are not appraisal factors. Nei hbotfioodOhafaderiatlcs One-UnllHoueln TrenUs One=UnitHouslO PreeettfLandUae'A6. Location Urban Suburban Rural Pra Values Increasin Stable Declini PRICE AGE One-Unh 65 % Built-U Over 75% 25-75% Under 25% Demand/S Shorts a fn Balance Over Su $ 000 rs 2-4 Unit 10 % Growth Ra id Stable Slow Marketin Time ^ Under 3 mths 3-6 mfhs Over 6 mdts 4ok Low 10 Mutli-Fami 10 % Nei hborhood Boundaries The ne' hborhood boundaries are indicated on the enGosed nei hborhood me 400k+ Hi 100+ Commercial 13 % in the addenda of this re ort. 100-60 Pretl. 60-80 Other 2 % Nei hborflood Descri ti0n Sub'ect has access to all necessa su ortin facilaies includi schools ubtic arks, trans ortation, sho in and Houses of Worsh' Em to ant stabili is ood and is within a 15-30 minute drive. Market Conditions mcludin su ort for the above conclusions Mo a e funds are readil available from a vane of sources wah conventional bans train 6.0% to 7.0 % interest fixed 30 ear mort a e, u to 3 oints. Sellers are not r wired to offer sales or financin concessions, however seller assistance is occurrin . Dimensions See enGosed le al descri lion Area 0.03 sae r tax office Sha a Rectan ular View Street S ec'rficZonin Classification R2 Zonin Descri bon Residential Commercial Zonin Com liance L al L I Nonconlormin Grandfathered Use No Zonin Ille al describe Is The hi hest and best use oT sub' ct ro e as im raved ar as pro osed er Ions ands ecrfications the resent use? Yes No It Ne, descrbe Otllities PuWk Olherfdescribe) Publk Other(deseribe) OIf-stielm rovemeMS-T Public Private Electric' Water Street Macadam Gas Sanita Sewer Abe FEMA S cfal Fbod Hazard Area Yes No FEMA Fbod Zone C FEMA Ma # 4203680001 A FEMA Ma Date 3/15!1979 Are the utilities and ott-site im rovements pica) for tie market area? Yes No ff No, describe Are there an adverse site conditions or external factors easements, encroachments, emiranmerrtal conditions, land uses, etc. ? Yes No ff Yes, describe Standard easements for electric tale hone etc. There are no known or a arent adverse easements, encroachments or conditions noted. A title search has not been tom leted and is considered outside the sco of this re rt. OeaeralDesai 'on 'Fousdatbn Exterior:Deacr) ion. ' nteterisls/condlUoa; Inteiior materials/wndiUon:' Unffs One One with Accesso Unk Conaete Slab Crawl Space Foundation Walls Stone/A Floors Wood/Fair # of Stories 2.5 Fult Basement Partial Basement Exterior Walls Vin InsulBricklAv Walls Plaster/Fair T e Det Att S-DetJEnd Unit Basement Area 552 s .tt. Roof Sudace MetaUAv TrirNRnish W oodlFair Existi Pro osed Under Const. Basemerd Rnish NIA % Gutters 8 Downs outs Galy AlumlAv Balh Fbor Unfinished Desi n le Du lax Outside E I6dt Sump Pum Window T e Si le Hun /A Bath Wainscot Unfinished Year Buih 1900 Evidence of Infestation Storm Sashnnsulatetl Partial Car Stora a None Effective A e rs 35-55 Years ^ Dampness ®SettlemeM Screens Partial Ddvewa # of Cars Attic None Heatin FWA HWBB Radiant Amenities Woadstove s # Ddvewa Sudace Dro Stair Stairs Other Fuel Oil Flre laces # Fence Gara e # of Cars Floor Scuttle Cooli Central Air Condfiodn Patio/Deck Porch Ca ort # ai Cars ^ Flnished Heated Individual ^ Other ^ Pool Otller Att. ^ Det ^ Built-in A fiances Refri erator Ran e/Oven Dishwasher Dis sal Microwave Washer/D er Other describe Rnished area above rode cordaire: 6 Rooms 3 Bedrooms 1 Baths 1 104 S ware Feet of Gross Livi Area Above Grade . Additional features s octal error efficient items etc.. T ical for market area. Describe the condition of Ore roe mcludin needed re airs, detedoration, renovations, remodeNn etc.. The sub act is in fair condition. The construction ual' is ical for a e in tom orison to tom alto nei hborhoods. Based on maintenance condition and tom orison to tom alto ne' hborhoods the effective a e is below the actual a e. Ph ical de reciation is due to a e. No economic obsolescence noted. Functional obsolescence due to unlivabil' of structure. There is knob and tube electric whin noted. Are there a sisal tleficialcies or adverse conditions that affect the livabili , so~tlness, or structural int ri of the ro ? Yes No IT Yes, describe The structure is of an a e where lead based aint and asbestos ma be resent. The a raiser is not an a ert in the field of determinin heaah hazards. tt the client has a concern I recommend an a ert be contacted. There were no observed nor noted h ice! deficiencies or adverse conditions that would affect the soundness or sWCturel iota of the roe Does the ro enaal cordorm to the nei hborhood funetlonal utikt , s le, contlffien, use, constmction, etc. ? Yes No If No, describe The roe conforms to the surroundin net hborhood. Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005 Form 1 f104 -"TOTAL for Windows" appraisal software by a b mode, tic. -1-80f1-ALAMODE 7- P Uniform Residential Appraisal Report File# 7-29E.Oranae There are 3 com arable ro erties Curren offered for sale in the subject nei hborhood ra in in rice from $ 80 000 to $ 86 000 There are 7 com arable sales in the sub act nal hborhootl wi9lin the past iweNe mordhs ran in in sale rice from $ 58 500 to $ 105 000 FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 29 E Orange St Sh' ensbur PA 17257-1927 318 E Burd St. Shi ensbur Pa. 17257 311 E Burd St. Shi ensbur Pa. 17257 209 S Penn St. Shi ensbur Pa.17257 Pro>ani t0 Sub act 0.36 miles 0.35 miles 0.11 miles Sale Pdce $ Market Value $ 86 000 $ 80 000 $ 80 000 Sale Price/Gross Liv. Area $ s .ff. $ 53.48 s .tt. $ 79.37 s .fL $ 62.89 s .tt. Data Sources Exterior Ins ection Exterior Ins action Exterior Irrs ection Verification Sources Courthouse Records Courthouse Rewrds Courthouse Records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad'ustmem DESCRIPTION + - $ Ad'usdnem DESCRIPTION + - $ Ad'uslmenl SaMs or Rnancing Concessions Cash Ta Seller Cash To Seller Cash To Seller Date of Sale/fime 01/07 03/07 10/06 Location Avera a Avera a Avera a Avera e LeaseholtVFee Si le Fee Sim le Fee Sim le Fee Sim le Fee Sim le Slte 0.03 acre erta 0.13 acre 0.05 acre 0.05 acre Yew Street Street Street Street Desl n k Du lax Du lax Du lax Du lax Oval' 01 Construction Freme /Avera a Frame! Avera a Frame/Avera a Frame/Avera e Actual A e 100+ Years 100+ Years 100+ Years 100+ Years Condition Fair Su erior -25 000 S error -25 000 Su erior -25 000 Above Grade Total Bdrms. Baths Talal Bdrms. Baths Tohl Bdrms. Baths Tahal Bdrms. Baths Room Courd 6 3 1 6 3 2 -3 500 6 2 1.5 -2 000 6 3 1 GtossLivi Area 1 104 sq.tt. 1 808 sq.ft -10,080 1 008 s .tt. +1,920 1,272 5 .tt. -3360 Basemem & Rmshed Rooms Bebw Grade 552 Sq.Ft. Unfinished Equivalent Unfinished Equivalent Unfinished Equivalent Unfinished Functionalll9' Avera a Avera a Avera a Avera e . Heatin Cooli HlWtr/None FHWNone HtWtr/CA -3,000 FHA/None ,' Ever Efficient hems Avera a Avera a Avera a Avera e Gars e/Ca Ort On Street On Streat On Street On Street Parch/Pado/Deck Porches Porches Porches Porches • Net Ad'ustrnent otal + - $ 38 580 + - $ 28 080 + - $ 28 360 Adjusted Sale Price of Com ambles Net Adj. 44.9 % Gross Ad'. 44.9 % $ 47 420 Net Adj. 35.1 % Gross Ad'. 39.9 % $ 51 920 Net Adj. 35.4 % Gross Ad'. 35.4 % $ 51 640 - I did did not research the sale er transfer hi sto of the subject roe and co arable sales. If not, explain M research did did not reveal an dor sales or transfers of the sub'ect roe for the three ears rior to the effective date of this a sisal. Data Source s M research did did not reveal an dor sales or transfers of the ca arable sales for the ear rior to the date of sale of the co arable sale. Data Source s Re ort the results of Vle research and ana sis of the rior sale or transfer histo of the subject roe and co arable sales re od additional rior sales on a e 3 . ITEM SU&IECT COMPARABLE SALE #t COMPARABLE SALE #2 COMPARABLE SALE #3 Date oT Prior Sale/Transfer None None None None Price of Pdor SaleJTransier NA NA NA NA Data Sources Courthouse Records Courthouse Records Courthouse Records Courthouse Records Effective Date o1 Data Sources 07/06/2007 07/06/2007 07/0612007 07106/2007 Are sis of rior sale or transfer histo of Vie subject r0 and co arable sales The sub'ect has not transferred within three ears. Other rior sales of the com arable ro rties occurred more than one ear a o. Summa of Sales Com orison A roach After a search of available market data the three closed sales dis la ed are considered to be the best indicators of value. All sales are located in the sub'ect's borou tUimmediate market area. Ad'ustments were made to reflect ical actions of b ers in com orison to the sub'ect. All sales were ad'usted for su erior condltion to re resent the estimated costs to cure the sub~ect's uninhabitable condRion. Indicated Value b Sales Com arisen A roach $ 50 000 Indicated Value b :Sake Com adaon A proach S 50 000 Coat A proach (ff develo ) $ Income Approach (H devebped) S Due to the lack of ualitative and uardilative rental information the Income roach is not considered a ro riate. Greatest wei ht is iven to the Sales Com adson roach as it reflects the ice/ actions of bu ers and sellers in the market lace. ~ This appraisal is made ®"as is", ^ subject to completion per plans and specifications on the basis of a hypothetical condition 91st the improvements have been completed, ^ subject to the fotovnng repairs or alterations on the basis of a Irypothetiral condition that the repairs or alterations have been compbted, or ^ subject to Vle • fodowi re wired ins ection based on the extraordina assum Bon that the conditon or deficient does not r wire alteration ar r air: Based on a complete visual f Dection of the imerior and exterior areas of the subject property defined scope of wodc, statement of assumptions and limiting condNiona, and appraiser's c cation, my (our) opinion of the market value, as defined, of (lie real property that is the subject of this report is $ 50 000 as of o7/05Y2007 which is the date of ins ion and the effective date of this a sisal. Freddie Mac Form 70 March 2005 Page 2 of 6 Fannie Mae Form 10D4 March 2005 Form 1004-"TOTAL for Windows` appraisal software by a la nrode, inc. -1-B00-ALAMODE Uniform Residential Appraisal Report File# 7-29E.Orange Descri lion of the raisal Process/Sco a of Work The a raisal rocess is intended to "describe the extent of the rocess of collecen confirmin and re ortin data." In order to re are an a raisal re ort on the sub'ect roe the followin ste s were involved: The sub'ect she and ne' hborhood were rsonal ins acted b the a raiser. The ins action considered the various local economic indicators with res act to their otentiel im act on the sub'ect site. The siren the and weaknesses of the eneral econom were wet had as the affect the value of the sub'ect. All relevant facts related to the sub'ect were collected and verified includin but not limited to zonin utilities land and buildin area restrictions encumbrances easements environmental factors and other items of a similar nature deemed a licable• No buiidi tans were available. The buildin s uare foots a was derived from actual measurement and the epstin assessment records in order to determines uare foots e. A hi hest and best use ana sis was com leted. The Cost Sales Com rison and Income roaches to value were considered and the Sales Com orison roach was used in the valuation of the sub'ect roe • Data was collected dodo this rocess from various sources. This information is believed to be reliable and verfiration of sales data included reliance on coon deed records and/orthird- a confirmations. The a raiser has no reason to sus act inaccuracies in an information rovided ~ and the ana is and contusions are based on the rehab of this irrfonnation. The a raiser Is not an ex art in identi in mold mildew lead base slot nor asbestos. If the client has a concern then I strop I recommend the client contact an ez art In the environmental and/or home ins ecNon fields . If an estimated value or sales rice was incuded either on the a raisal re oast form or verbal) from an a involved in the transaction, the value rovided had no influence on m final estimate of value. COST APPROACH;TO:VALUE(nok airedb Fannie-Mae Provide ode uate irdormation for the lender/Gierd to re licate the bebw cost fi ores and cakdatbns. Su ort far the o inion of site value summa of co arable land sales or other methods for estimatin site value ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE ....................._._....._....._........................._.. _$ Source of cost data DWELLING S .Ft. @ $ __...._. _$ lUra' ratio from cost service Effective date of cost data S .Ft. $ _$ - Commends on Cost roach rass livin area calculations, de reciation, etc. _.._._.... _$ The Cost roach will eneral resuh in an excellent estimate of value 'rf Gala e/Ca ort S .ft. $ _$ the buidin is new or reasonab new and the im rovements reflect the Total Estimate of Cost-New _$ hi hest and best use of the of the land. However when hems of h ice) Less Ph siC31 Functional Fxtemal de reciation and obsolescence must be estimated an area of'ud ement [k: reciation =$ is involved which is sub'ect to error. The Cost roach was not D reciated Cost of Im rovements =$ utilized due to the chronolo Ica) and effective a es. 'As•is" Value of Site I rovemerds .__._..._._._.._.___._._...._.___ _$ Estimated Remainin Economic Life UD and VA Doty Years INDICATED VALUE BY COST APPROACH .____._____._.____________._______ =S INCOMEAPPROAOHTOVALUE(not ' ulred Fannie Mae) Estimated Mo Market Rent $ NA X Gross Rent Multi tier = $ Indicated Value b Income A roach Summa of Income A roach includin su ort for market rent and GRM PROJECT.INFORMATIONFORPUDa(Ifa iceble) Is the deveb erPouiltler in control of the Homeowners' Associaton OA ? ^ Yes Na Unit e s Detached Attacfletl Provide the folbwin information for PUDs ONLY'rf the develo er/builder is in control of the HOA and the sub'ect roe is an attached dweNin unit. Le al Narrrc of Pro act Total number of hoses Total number of units Total number of units sold Total number of unNs rented Total number of units for sale Data source s - Was the ro'ect created b tine cornersion of existin buildin s into a PUD? Yes No if Yes, date of conversion. Does lice ro'ect cardain an muNi-dweNin units? Yes No Data Source Are the units, common elements, and recreation facilities com late? Yes No If Na, descdbe the status of co letion. Are the comnan elemerrts leased to orb the Homeowners' Association? Yes No It Yes, describe the rerdal terms and o lions. Describe common ebmerds and recreational facilities. Freddie Mac Form 70 March 2005 Page 3 of 6 Fannie Mae Form 1004 March 2005 Form tIX14 -"TOTAL for windows" appraisal software by a fa mode, inc. -1.800-ALAMODE N.- Uniform Residential Appraisal Report Flles 7-29E.Orange This report form is designed to report an appraisal of a one-unit properly or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to this appraisal report, such as those required by taw or those related to the appraiser's continuing education or membership in an appraisal organization, are permitted. SCOPE OF WORK: The scope of work far this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) pertorm 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, vedfy, and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her awn best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. *AdJustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually alt sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be performed in a professional manner. Freddie Mac Fonn 70 March 2005 Page 4 of 6 Fannie Mae Fonn 1004 March 2005 Form 1004 - "TOTAL for Windows° appraisal software by a la mode, inc. -1-800-ALAMODE uniform Residential Appraisal Report FlIeN 7-29E.Orange APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements In factual, specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I performed this appraisal in accordance wtth the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are Iocationally, physically, and functionally the most similar to the subject property, 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. 1 verified, from a disinterested source, alt information in this report that was provided by parbes who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and experience in appraising this type of property in this market area 12. I am aware of, and have access to, the necessary and appropriate public and pdvate data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value wtth respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in pertorming this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. i6. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on signficant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibil(ty for it. 20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Freddie Mac Fonn 70 March 2005 Page 5 of 6 Fannie Mae Form 1004 March 2005 form 1004 - °TOTAL Tor Windows° appraisal software by a la mode, inc. -1.800-ALAMODE F un~rorm rces~aentiai Appraisal report F~~ 7 21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. I am aware that any disclosure or distribution of this appraisal report by me or the tender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, govemment sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limted 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'SCERlIFICATION: The Supervisory Appraiser certifies and agrees that: 1. 1 directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined In applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as 'rf a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER Signature .~ Name Brett Lechthaler, PA Slate Cert Gen Appr Company Name Appraisal solutions Company Address t6 San Juan Drive Mechanicsburgl, PA 17055 Telephone Number 717-697-1828 Email Address blechthaler(a)comcast.net Date of Signature and Report 07/18/2007 Effective Date of Appraisal 07/05/2007 State Certification # GA-oo359a or State License # or Other (describe) State # State PA Expiration Date of Certification or License 6/30/2009 SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name Company Address Telephone Number Email Address Date of Signature State Certification # or State license # State Expiration Date of Certification or License SUBJECT PROPERTY ADDRESS OF PROPERTY APPRAISED 29 E Orange St Shippensburq, PA 17257-1927 APPRAISED VALUE OF SUBJECT PROPERTY $ 50,000 LENDER/CLIENT Name Charles E. Shields III Company Name Estate of Joseph L Hursh Jr. Company AddreSS c/o Charles E. Shields III 6 Clouser Rd. Mechanicsburg, PA 17055 Email Address ^ 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 Freddie Mac Form 70 March 2005 Page 6 of 6 Fannie Mae Form 1004 March 2005 Farm 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE SPECIAL LIMITING CONDITIONS: This appraisal is not a home inspection and the appraiser is not acting as a home inspector when preparing the report. When performing 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 obstructs access or visibility. The inspection is not technica{ly exhaustive. The inspection does not offer warranties or guarantees of any kind. SUPPLEMENTAL CERTIFICATIONS: I certify that: -This summary appraisal report was prepared by Brett Lechthaler for the exclusive use of Estate of Joseph L Hursh, Jr, client, to estimate market value in terms of cash or financing similar to cash for the client's explicit use. The information and opinions contained in this appraisal set forth the appraiser's best judgement 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 the sole responsibility and at the sole risk of the third party. Mr. Lechthaler accepts 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 60 days. - In my opinion the reasonable market time linked to the value opinion is up to 120 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, opinion, and conclusions are limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. - I have no present or prospective interest in the property that is the subject of this report, and no personal interest with respect to the parties involved. -1 have no bias with respect to the property that is the subject of this report or #o the parties involved with this assignment. - My engagement in this assignment was not contingent upon developing or reporting predetermined results. - My compensation for comple#ing 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 been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice. - Brian Lechthaler provided significant professional assistance to the persons signing this report. - Brett Lechthaler personally inspected the property and prepared this report. Sincerely, Brett Lechthaler, PA State Certified General Appraiser form DCVR - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE 201•C7'-Warranty Deetl-.Short Form-Act 19x9-1)ouple Sheet Henry ~H/ali, Inc., Intllana, Pa. ~~ ~~ ~ a; f MADE THE day of August, in the pear of oter Lord ane thousand nine lturulred eighty -nine (l 989). SF,TWEEN JAMES R. HUMER, JR. , and MARCIA R. HUMER, his wife, of i3 Trine Avenue, Mt. Holly Springs, PA 17065, (Cumberland County), Grantm•s, and JOSEPH L. HURSH, JR. , single man, individually, of 204 A1lendal.e Road, Mechanicsburg, PA 17055, (Upper Allen Township, Cumberland C;ounty), Grantee bVITNT;SSETH, Cleat in consideration of Seventy-Three Thousand ($73, 000. 00)------ Doltars, ite ieanci paid, the reccip~t whereof is hereby acknowledged, flee said grantors do hereby grant and convey to the sair% grantee his heirs, and assigns, TRACT No. 1: ALL that certain one-half of double house situate in Cumberland Couuty, Pennsylvania, and known as 29 E. Orange S[reet, Shippensburg, PA 17L57, more fully bounded and described as follows: `~~'f'~•-.,.t.~~ 3 ~~"~~;~~ BEGINNING at a point on the North side of East Orange Street, in the Borough of Shippensburg, Cumberland County, Pennsylvania, at corner of Lot No. 1 on Subdivision Plan of Kathryn J. Nale, recorded in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, in Plan Book 36, Page 24, and lands now or formerly of John Rine; thence by Rine, North Z4 degrees 38 minutes 52 seconds West 65, 73 feet to a metal post at line of lands now or Iormerly of John Mooney; thence by same, North b7 degrees 13 minutes Sb seconds East "L 1, 86 feet to a point; thence by Lot No. 2 on the aforesaid Plan, South 24 degrees 14 minutes 'L4 seconds East 23. 03 feet to a paint; thence by same, South 65 degrees 45 minutes 3b seconds West 1.50 feet thence by same and through the center of a double dwelling house known as 2y-31 East Orange Street, South 23 degrees 20 minutes 13 seconds East 42. ~5 feet to a point on the North side of East Orange Street; thence by t:he North side of East Orange Street, South 67 degrees West 19. 22 feet to a point, the Place of BEGINNING. BEING Lot No. 1 on a Subdivision Plan of Kathryn 7. Nal.e dated May 21, 1979, and recorded in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, in Plan Book 36, Page 24. HAVING thereon erected the western uite-half of a double dwelling house known and numbered as "L9 E. Orange Street, Shippensburg, PA 17L57. BEING the same premises as described in the .Deed ]rum Dorothy H. Keebaugh and Edgar R. Keebaugh, Executors of the Last Will and Testament of Juanita F. Martin, deceased, to James R. Homer, Jr. , and Marcia R. Homer, his wife, dated November 30, 19$4, and recorded December 11, 19$4, in Cumberland Cuunly Deed Book 3l A 478. (Sec next page.) 500 L 3~ PAGE ~,c`~..0 Comb. o., PC d. 1 % Real Esurta TManafar Tax /// Cumb. Co. Dirt. Cot./1at. -'~ i F.ichonl lli3i. C:Ixnb. Co., Ps. _g %, fteutl Estate 7ranster Taz ~j nI 3,~`; u. t)nte~ { Amt: - C.umb. Co. Dist. Col. Apt. -~`~ Form SCA - "TOTAL for Windows' appraisal software by a la mode, inc. -1-800•ALAMODE Building Sketch (Page - 1) Borrower Clem NA Pro Address 29 E Oran a St Ci Shi ensbur COU Cumberland State PA Zi Code 17257-1927 Lender Estate of Jose h L Hursh Jr. First Floor Second Floor 12.00' 12.00' 12.00' °o °o °o, "' `" Kitchen ~ Bedroom 5.00' 5.00 5.00' c 0 0 Basement ~ Dining ~ Bedroom 'c (7 M (7 p O O N N w Living Room Bedroom Bath 17.00' 17.00' 17.00' s~.~wro"+iv^ Cortrcnents: Code AREA CALCULATIONS SUMMARY Description Size Net Totals GLA1 First Floor 552.0000 552.0000 GLA2 Second Floor 552.0000 552.0000 Bat4T Basement 552.0000 552.0000 TOTAL LIVABLE (rounded) 1104 LIVING AREA BREAKDOWN &eakdown Subtotals First Floor 12.00 x 36.00 432.0000 5.00 a 24.00 120,0000 Second Flooz 12.00 x 36.00 432.0000 S.OD x 24.00 120,0000 4 Calculations Total (rounded) 1104 Form SKT.BItlSkI - "TOTAL far Windows" appraisal software by a la mode, inc. -1.800-ALAMODE FormM~~-OC-'TOTAIfo~Wm~1°'i" ..r. Subject Photo Page Subject Front 29 E Orange St Sales Prlce Market Value Gross Living Area 1,104 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1 Location Average View Street Site 0.03 acre per tax office Quality Frame /Average pge 100+ Years Subject Rear Subject Street Form PIC3x5.SR - "TOTAL tar Windows' appraisal software by a la mode, inc. -1-80g-ALAMODE 1 Cnmmunx~ealth of Pennsylvanin Ucpartmcot ofStalc Bureau of Yndessional and Occupational Affairs s.Certlfied General Appraiser Certificate Number Expirntiun Date GA003b9d 06!30!2009 Certificate Status Active BRETT WESLEY LECHTHALER 16 SAN JUAN DRIVE MECHANICSBURG PA 17055 s3 HFJDTHE FOLLOWIND N=CNMATION CARErUL~V CO.VCEHNING YOUH LC=NSF'. '. SIGN TnC \YAL13 r CARD AN7 CERTIFICATE YMFRE MO-GATED. 2. OETACN THE WALLr C.AHR An'R CERTIFICATE Al VLHEORATION. BRETT WESLEY LECHTHALER 16 SAN JUAN DRIVE MECHANICSBURG PA 17055 Registration Code Your reglstration code is found on the attached wallet card. Use this registration code online to: renew your license, change your personal or license address, or order duplicate licenses. i Visit our websiie at: vrww mvlicensestate.oa.us first time users will be required to use this registration code to create a userlD and password. Commonwealth of Pennsylvania s, ~ r ;a ~ ~ ~ Department of State Bureau of Professional and Occupational Affairs PO 13ox 2fi49 Harrisburg PA 17105-2649 Ccrtiticatc Type Certit"icatc Status Certified General Appraiser Active BRETT WESLEY LECHTHALER 16 SAN JUAN DRIVE MECHANICSBURG PA 17055 Initial Certification Date 06/27!2007 Certificate Number GA003594 Expiration Datr 06!30!2009 ~~• ~~~~ Commissioner ofPNlcsslrnml and f)ccupaiitiuei A17ulfs N r }. ,1. SI^nuure "~ _~ Form SCA -'TOTAL for Windows" appraisal software by a la mode, inc. - t-800-ALAMODE F APPRAISAL OF REAL PROPERTY LOCATED AT: 31 E Orange St Deed Book 34C Page 420 Shippensburg, PA 17257-1927 FOR: Estate of Joseph L Hursh, Jr Go Charles E. Shields III Mechanicsburg, PA f 7055 AS OF: 0710512007 8Y: Brett Lechthaler, PA State Cert Gen Appr Form GA3 - °TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE July 16, 2007 Appraisal Solutions 16 San Juan Drive Mechanicsburg, PA 17055 Phone: 717-697-1828 Fax :717-697-0220 Dear Sirs The accompanying summary appraisal report is based on a site inspection of improvements, investigation of the subject neighborhood area of influence, and review of sales, cost, and income data for similar properties. This appraisal has been made with particular attention paid to 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 effective date as stated in the body of the appraisal, and contingent upon the certification and limiting conditions attached. Please do not hesitate to contact me if I can be of additional service to you. Respectfully, -~3.~-~ Brett Lechthaler, PA State Certified General Appraiser Farm DCVR - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE F r SUMMARY OF SALIENT FEATURES Subject Address 31 E Orange St Legal Description Deed Book 34C Page 420 City Shippensburg Courrty Cumberland State PA Zip Cotle 17257-1927 Census Tract 0132.00 Map Reference Metro:31531G-2 Sale Price $ Market Value Date of Sale NA Borrower NA Lerder/CIieM Estate of Joseph L Hursh Jr. Size (Square feet) 1,236 Price per Square foot $ Location Average Age 100+ Years Cantlition Fair Total Rooms 6 Bedrooms 3 Baths 1.5 Appraiser Brett Lechthaler, PA Sfate Cert Gen Appr Date of Appraised Vaiue 0710512007 Opinion of Vabe $ 55,000 Form SSD2 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Appraisal Solutions (/17)697-1828 P # Uniform Residential Appraisal Report Flle# 7-31E.Orange The urpose of tbs summa a praisal re ort is to rovide tfre lender/client with an accurate, and adequate su ortetl, o inion of the market value of the subect pro e Pro Address 31 E Ora a St Ci Shi ensbur State PA Zi Code 17257-1927 Borrower NA Owner of Public Record Jose h L Hursh Jr. Cou Cumberland Le al Descri tbn Deed Book 34C Pa a 420 Assessor's Parcel # 33-34-2415-031 Tax Year 2007 R.E. Taxes $ 255.98 Nei hborhood Name Shi ensbur Boro Ma Reference Metro:3153/G-2 Census Tract D132.00 Occu and Owner Tenam Vacard S acts/ Assessments $ PUD HOA $ ^ er ear er montti " Pro a Ri Ms A raised Fee Si le Leasehold Other describe Asst nment T e ^ Purchase Transaction Refinance Transaction Other describe Market Value Lender/Client Estate of Jose h L Hursh Jr. Address Go Charles E. Shields III 6 Clouser Rd Mechanicsbur PA 17055 Is the subject roe cone offered for sale ar has it been offered for sale in the twelve months dor to the effective date of this a sisal? Yes No Re ort data sources used, offedn rice s and dates . There were no listin s noted in the local Matti le Listin Service wtthin the ast ear. I ^ did ^ did not anayze ffre contract far sale for the subject purcfrase transaction. Ergrbin the results of the anatysis of the comract for sale or why the anatysis was not erformetl. No sales a reement to anal Contract Price $ Market Valor Date of Contract NA Is the roe seller tfre owner of ubkc record? Yes No Data Source s Is there any financial assistance paan cfrarges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behatt of the borrower? ^ Yes ^ No If Yes, re ort the total dollar amount and describe the items to be aid. Note: Race and the racial composition of the net httorhood are not appraisal factors. hborhood'Gharaderuiirs One-UnitHousig :Trends One=UditHousin :~ .:~preeentLandUse% ~' Location Urban Suburban Hurst Pro a Values ^ Increasin Stable Oeclini PRICE AGE One-Unit 65 % Buih-U Over 75% 25.75% Under 25% Demarld(S Shorts a In Balance Over Su I $000 rs 2.4 Unit 10 % Growth Ra id Stable Slow Marketin Time Under 3 mlhs 3-6 mlhs Over 6 mites 40k Low 10 Multi-Fami 10 % Nsi hborhoad Boundaries The net hborhood boundaries are indicated on the encosed net hbortrood ma 400k+ Hi h 100+ Commercial 13 % in the addenda of this re ort. 100-60 Pred. 60-80 Other 2 % Neighborhood Descri lion Sub'ect has access to all necessa su ortin facilities includin schools, ublic arks trans ortation sho in and Houses of Worshi Em to ant stabili is ood and is within a 15-30 mirrute drive. Market Conditions rnckrdin su ort for the above conclusions Mort a e funds are readi available from a varie of sources wtth conventional loans bein 6.0% to 7.0% interest fixed 30 ear Mort a e, u to 3 oints. Sellers are not re aired to offer sales or financin concessions, however, seller assistance is occurrin . Dimensions See enclosed le al descri lion Area 0.04 acre er tax office Shy Recta ular View Street S ec'rfic Zordn Classrfication R2 Zonin Descri bon Residential Commercial Zonin Com /lance Le al L ai Noncordorrrdn Grandiatheretl Use No Zonin Ills al describe Is the hi hest and best use of subject ra a as im raved ar as roposed er tans ands ecilications the preserd use? Yes No If No, describe Utilities Pubic Other describe) Public Otherjdescribe) Off-site lm rovemems-T Public Private Electric' Water ^ Street Macadam ^ Gas Sanity Sewer ^ Nle FEMA S cial Fbad Hazard Area Yes Na FEMA Fbod Zone C FEMA Ma # 4203680001 A FEMA Ma Date 3/15/1979 Are the utilities and off-site im rovemenls ical for the market areal Yes No tt No, describe Are there an adverse stte conditions or external factors easements, encroachmerds, emironmeMai conditions, land uses, etc. ? Yes No tt Yes, describe Standard easements for electric tale hone, etc. There are no known or a arent adverse easements, encroachments or conditions noted. A title search has not been com feted and is considered outside the sco a of this re ort. GenereiDestxi IOn Foundalah Exlerfof0escri ion materials/contlniod: Ihterior materials/wndfUonS Units One One with Accesso Unit Concrete Slab Crawl S ace Foundation Walls Stone/A Floors W ood,As Tile/Fair # of Stories 2.5 Full Basemerd Partial Basemem Exterior Walls Vin /A Walls Plaster PnUFair T e Det Att. S-DetJEnd Unit Basement Area 552 sq.tt. Roof Surface MetaVAv TriMFinish Wood/Fair f>astin Pro osed Under Const. Basemem finish NA % GuOers & Downs outs Galy AlumlAv Bath Fbar Unfinished Desi n S le Du lax Outside E /6dt Sum Pam Window T pe Sin le Hun /Av Bath Wainscot Unfinished Year Built 1900 Evidence of Infestation Storm SasMnsulated Partial Car Story a None Effective A e rs 35-55 Years ^ Dampness ^ Settlement Screens Partial Drivewa # of Cars 1+ Attic Nane Heabn FWA HWBB Radiard Amenities Woodstove s # Drivewa Sudace As halt Dro Stair ®Stairs Other Fuel Oil Rre laces # Fence Gara e # of Cars Fbor Scuttle Coolin Central Air Conditioni Patio/Deck Poreh Ca ort # of Cars Fnislled ^ Heated ^ Individual ^ Other ^ Pool ^ Other ^ Att ^ Det ^ Built-in A fiances Refri erator Ran e/Oven Disflwasher Dis osal Microwave Washer/D er Other describe Finished area above rode comairx: 6 Rooms 3 Bedrooms 1.5 Baths 1 236 S oars Feet of Grass Livin Area Above Grade . Additional features s acts/ soar efficient items etc.. T ical for market area. Describe the condition of the roe includin needed re airs, deterioration, renovations, remode6n ,etc.. The sub'ect is in fair condition. The construction ual' is ical fora a in com orison to com alto net hborhoods. Based on maintenance condition and com orison to com etin net hborhoods the effective a e is below the actual a e. Ph ical de reciation is due to a e. No economic obsolescence noted. Functional obsolescence due to uMivabili of structure. There is knob and tube electric wirin noted. Are tfcere a sical deficiencies or adverse conditions that affect the livabili ,soundness, or structural ird r' of fire roe ? Yes No If Yes, describe The structure is of an a e where lead based slot and asbestos ma be resent. The a raiser is not an a ert in the field of determinin health hazards. ff the client has a concern I recommend an a ert be contacted. There were no observed nor noted h ice/ deficiencies or adverse conditions that would affect the soundness or structural tote r' of the roe Does the ro soars/ corrform to the net hborhootl functional alit , s le, condition, use, constroction, etc. ? ®Yes No If No, describe The roe conforms to the surroundi net hborhood. Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005 Form 1004 -'TOTAL for Windows" appraisal software by a la mode, inc. -1-80(1-ALAMODE 7- Uniform Residential Appraisal Report l:naN 7-s,r= n.a„~a There are 3 com arable ro erties Curren offered for sale in the subject cei hborhood ran in in rice from $ 80 000 to $ 86 000 There are 7 com arable sales in the subject nei hborhood widtin the ast iweNe months ra in in sale ice from $ 58 500 to $ 105 000 FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 31 E Orange St Shi ensbur PA 17257-1927 318 E Burd St. ShI ensbur Pa. 17257 311 E Burd St. Shi ensbur Pa. 17257 209 S Penn S[. Shi ensbur Pa.17257 Pro>omi to Sub'ect 0.36 miles 0.35 miles 0.11 miles Sale Pdce $ Market Value $ 86 000 $ 80 000 $ 80 000 Sale Price/Gross Liv. Area $ s .ft. $ 53.48 s .ft . $ 79.37 s .h. $ 62.89 s .tt. Data Sources Exterior Ins ection Exterior Ins ection Exterior Ins ection Verification Sources Courthouse Records Courthouse Rec ords Courthouse Rec ords VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad'ushnent DESCRIPTION + - $ Ad'ustrnent DESCRIPTION + - $ Ad'uslment Sales or Fnancing Concessions Cash To Seller Cash To Seller Cash To Seller Date of Sale/Time 01/07 03/07 10/06 Locatron Avera a Avera a Avera a Avera e Leasehold/Fee Sim b Fee Sim le Fee Sim le Fee Sim le Fee Sim le Site 0.04 acre er to 0.13 acre 0.05 acre 0.05 acre View Street Street Street Street Desi n k Du lax Du Iex Du lax Du lax Dual of Construction Frame /Avera a Freme/ Avera a Frame/Avera a Frame/Avera e Actual A e 100+ Years 100+ Years 100+ Years 100+ Years Condition Fair Su erior -25 000 Su erbr -25 000 Su erior -25 000 Above Grade Tohel Bdrms. Baths Tobl Bdrms. Baths Total Bdmrs. Baths Total Bdrms. Baths Reom Count 6 3 1.5 6 3 2 -1 000 6 2 1.5 6 3 1 +2 000 Gross Livi Area 1,236 S .ft. 1,608 5 .ft. -7,440 1,008 S .ft. +4,560 1 272 5 .h. Basement & Fnishetl Rooms Bebw Grade 552 Sq.Ft. NA Equivalent Unfinished Equivalent Unfinished Equivalent Unfinished FunctionalUtil' Avera a Avera a Avera a Avera e - Heatrng/Coolin HtWtrMone FHA/None HtWtr/CA -3000 FHAINone Ener Efiidenl hems Avera a Avera a Avera a Avera e Gars e/Ca ort Off Street On Street +500 On Street +500 On Street +500 - PorcftlPatio/Deck Porches Porches Porches Porches • Net Ad'ustment otal + ®- $ 32 940 + - $ 22 940 ^ + - $ 22 500 Adjusted Sale Pdce of Com rabies - Net Adj. 38.3 % Grass Ad'. 39.5 % $ 53 060 Net Adj. 28,7 % Gross Ad'. 41.3 % $ 57 060 Net Adj. 28.1 % Gross Ad'. 34.4 % $ 57 500 I did did not research the sale or transfer histo of the subject pro a and co arabl e sales. If not, ex lain M research did did not reveal an rior sales ar transfers of the sub act roe for the three ears rior to the effective date of this a sisal. Data Source s M research did did not reveal an rior sales or transfers of the com arable sales for the ear rior to the date of sale of the com rable sale. Data Source s R rt the resuhs of the research and ana sis of the rior sale or transfer histo of the subject roe and co arable sales re art additional rior sales on a e 3 . ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3 Date of Prior Sak/Transfer None None None None Price of Pdor SalelTransfer NA NA NA NA Data Source S Courthouse Records Courthouse Records Courthouse Records Courthouse Records Effective Date at Data Sources 07/06/2007 07/06/2007 07/06/2007 07/06!2007 Ana sis of rior sale or transfer histe of the subject roe and Com arable sales The sub act has not transferred whhin three ears. Other rior sales of the com arable ro erties occurred more than one ear a o. Summa of Sales Com orison A roach After a search of available market data [he three closed sales dis la ed are considered to be the best indicators of value. All sales are located in the sub act s borou h/immediate market area. Ad'ustments were made to reflect ical actions of b ers in com orison to the sub'ect. All sales were ad'usted for su erior condition to re resent the estimated costs to cure the sub'ect's uninhabhable condition. Indicated Value b Sales Com orison A roach $ 55 000 Indicated Value by: Sales Compadson Approach $ 55 000 Cost Approach (if developed)$ Income Approach ('rf devebped) $ Due to the lack of ualhative and uantltative rental information the Income roach is not considered a ro riate. Greatest we' ht is iven to the Sales Com orison roach as it reflects the ical actions of bu ers and sellers in the market lace. - This appraisal is made ®"as is", ^ subject to completion per plans and specifications on the basis of a hypothetical conditon that the improvements have been completed, ^ subject to the foNowing repairs or alterations on the basis of a hypothetical condition that the repairs ar attentions have been completed, or ^ subject to the • tollowi re wired ins ection based on the extraordina assum lion that the condition ar deficienc does not re wire akeration or re air: Based on a complete visual inspection of the interior and exterior areas of the subject property defined scope of work, statement of assumptions and limiting conditions, and appraiser's c fficatton, my (our) opinion of the market value, as defined, of (fie r~l property that is the subject of this report is $ 55 000 as of 07105/2007 which is the date of fns ion and the effective date of this a sisal. Freddie Mac form 70 March 2005 Page 2 of 6 Fannie Mae Form 1004 March 2005 Form 7004 -"TOTAL far Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Uniform Residential Appraisal Report Ci1~8 7_11C fl.onn~. Descri lion of the sisal Process/Sco a of W ork The a sisal rocess is intended to "describe the extent of the rocess of collectin confirmin and re ortin data." In order to re are an a sisal re ort on the sub'ect roe the followin ste s were involved: The sub'ect site and ne' hborhood were rsonal ins acted b the a raiser. The ins action considered the various local economic indicators with res act to their tential im act on the sub'ect site. The sVen the and weaknesses of the eneral econom were wei had as the affect the value of the sub'ect. All relevant facts related to the su 'ect were collected and verfied inGudin bu[ not limited to zonin utilities land and buildi area resVictions encumbrances easements environmental factors and other items of a similar nature deemed a liceble~ No buildi tans were available. The buildin s uare foots a was derived from actual measurement and the existin assessment records in order to detertnlne s uare foots e. A hi hest and best use ana sis was com leted. The Cost Sales Com orison and Income roaches to value were considered end the Sales Co orison roach was used in the valuation of the sub'ect roe • Data was collected Burin this rocess from various sources. This information is believed to be reliable and verificatron of sales data included - reliance on coup deed records and/or third- a confirmations. The a raiser has rw reason to sus ed inaccuracies in an information rovided and the ana is and conclusions are based on the reliabil' of this information. The a raiser is not an ex art in identif in mold mildew lead base slot nor asbestos. H the client has a concern then 1 strop recommend the client contact an ex art in the environmental and/or home Ins action fields . tt an estimated value or sales rice was incuded edher on the a sisal re oast form or verball from an a involved in the transaction the value rovided had no influence on m final estimate of value. -_: , .. COST APPRDACH.TOVALUE(not wired b 'Fahnie Mae) Provide ode wale irdormation for the lender/client to re icate the bebw cost fi ores and calculations. Su od for the o inion of site value su of co arable land sales or other methods for estimati site value ESTIMATED REPRODUCTION OR ^ REPLACEMENT COST NEW OPINION OF SITE VALUE..__.....___..........._....___......__._ ..............__ _$ Source of cost data DWELLING .Ft. @ $ _$ Oual' ratio from cost service Effective date of cost data S .Ft. $ _$ - Cammerds on Cost A roach ross livin area calculalions, de rereation, etc. _ _ =g The Cost roach will eneral resod in an excellent estimate of value 'rf Gara e/Ca ort S .ft. $ _$ the buildin is new or reasonab new and the im rovements reflect the Total Estimate of Cost-New =$ ---------- hi hest and best use of the of the land. However when dams of h sisal Less Ph sisal Functional Fxtemal de reciation and obsolescence must be estimated en area of'ud ement Da reciation =$ is involved which is sub'ect to eror. The Cost roach was not D resisted Cast of I rovements ........_ ..............._.__............._.___ _$ utilized due to the chronolo Ical and effectNe a es. °As-is" Value of Site Im rovemerrts _$ Estimated Remainin Ecorwmic Life UD and VA on Years INDICATED VALUE BY COST APPROACH .__......_.........___........._..._ =S _ _ INCOME APPROACH TO-VALUE (not're wired b Fannie Mee) Estimated Month Market Rent $ NA X Grass Rerd Multi tier = $ I~icated Value b Imome A roach Summa of Income A roach includin su ort for market rent and GRM PROJECT;INFOBMATIONFOR PUDs (U icabl6) Is the devdo er/builder in cormol of the Homeowners' Association OA ? Yes No Unit s Dotached AUachetl Provide the folbwin irdormation for PUDs ONLY if the develo er/builder is in control of the HOA and the sub'ect ro is an attached dwetin unit. Le al Name of Pro'ect Total number of hoses Total number oI units Total number of units sold Total number of units rerded Total number of units for sale Data source s Was the ro'act created b the carnersion of ezistin buildin s inro a PUD? Yes No U Yes, date of conversion. Does the ra act rrordain an mum-dwetin units? Yes No Data Source Are the units, common elemems, and recreation facilities com late? Yes No If No, describe the status of com letion. Are the common elemems leased to orb the Homeowners' Association? Yes No II Yes describe hie rerdal terms and o lions. Descdbe common elemems and recreational facilities. Freddie Mac Form 70 March 2005 Page 3 of 6 Fannie Mae Forth 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE unlTVrm neslaentiaj This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do not constitute material aherations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) pertomt a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting In what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the properly sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. *Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of Vadition or law in a market area; these costs are readily ldenfrfiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's cert'dication in this report is subject to the fallowing assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect efther the properly being appraised or the title to it, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the properly (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or far any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal repoR must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or aherations of the subject property will be performed in a professional manner. r-reoaie Mac Corm 70 March 2005 Page 4 of 6 Fannie Mae form 1004 March 2005 Fonn 7004 - ^TO7AL for Windows' appraisal software by a la mode, inc. -1-800•ALAMODE Uniform Residential Appraisal Report File# 7.31E.Orange APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any Current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sate with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and experience in appraising this type of property in this market area. 12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. 1 obtained the information, estimates, and opinions fumished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that 1 became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. 1 stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report, and 1 have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the pertormance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Freddie Mac Form 70 March 2005 Page 5 at 6 Fanraa MaB corm ~ W4 MarCn ZUUb Form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Uniform Residential Appraisal Report file# 7-31 21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; govemment sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. f am aware that any disclosure or distribution Of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, govemment sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video 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 asrf a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the appraisa{ firm), is qualrfied to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Unrform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature "~+. Name Brett Lechthaler PA State Cert Gen Appr Company Name Appraisal Solutions Company Address 16 San Juan Drive Mechanicsburg PA 17055 Telephone Number 717-697-1828 Email Address blechthaler@comcast.net Date Of Signature and Report 07/16/2007 Effective Date of Appraisal 07!05/2007 State Certification # GA-003594 or State License # or Other (describe) State # State PA Expiration Date of Certification or License 6/30!2009 ADDRESS OF PROPERTY APPRAISED 31 E Orange St 5hippensburg PA 17257-1927 APPRAISED VALUE OF SUBJECT PROPERTY $ 55,000 LENDER/CLIENT Name Cnarles E. Shields III Company Name Estate of Joseph L Hursh Jr. Company Address c/o Charles E. shields Ill 6 Clouser Rd, Mechanicsburg PA 17055 Email Address Signature Name Company Name . Company Address Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License SUBJECT 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 Freddie Mac Form 70 March 2005 Page 6 of 6 Form 1004 - "TOTAL for Windows° appraisal software by a la mode, inc. -1-800-ALAMODE Fannie Mae Form 1004 March 2005 / -J 1 SPECIAL LIMITING CONDITIONS: This appraisal is not a home inspection and the appraiser is not acting as a home inspector when preparing the report. When performing 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 obstructs access or visibility. The inspection is not technically exhaustive. The inspection does not offer warranties or guarantees of any kind. SUPPLEMENTAL CERTIFICATIONS: I certify that: -This summary appraisal report was prepared by Brett Lechthaler for the exclusive use of Estate of Joseph L Hursh, Jr, client, to estimate market value in terms of cash or financing similar to cash for the client's explicit use. The information and opinions contained in this appraisal set forth the appraiser's best judgement 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 the sole responsibility and at the sole risk of the third party. Mr. Lechthaler accepts 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 60 days. - In my opinion the reasonable market time linked to the value opinion is up to 120 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, opinion, and conclusions are limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. - I have no present or prospective interest in the property that is the subject of this report, and no personal interest with respect to the parties involved. - I have no bias with respect 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 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 been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice. - Brian Lechthaler provided significant professional assistance to the persons signing this report. - Brett Lechthaler personally inspected the property and prepared this report. Sincerely, ~~ Brett Lechthaler, PA State Certified General Appraiser Form OCVR - "TOTAL far Windows" appraisal software by a la mode, inc. - t-800-ALAMOOE I ~- # TRACT No. "L: ALL that certain tract or parcel of land situate in the Borough of Shippensburg, Cumberland County, Pennsylvania, more fully bounded and described as follows: BEGINNING at a point at corner of Lot No. 2 on Subdivision Plan for 1{athryn J. Nate, dated May Zl, 1979, and recorded in the Office of Recorder of Deeds of Cumberland County, Pennsylvania, in Plan Book 36, Page 24, at corner of lands now or formerly of Peter Petsinis; thence South 67 degrees West Z7. 93 feet to a point in the center of a 2-1/L story frame dwelling house, and cori;er of Lut Nu. 1, now or formerly of Juanita Martin; thence through the common wall of said dwelling house, North 23 degrees 20 minutes 13 seconds West 42. 55 feet to a point; thence North 65 degrees 45 minutes 36 seconds Eaet 1. 50 feet to a point; thence North 24 degrees 14 minutes 24 seconds West 23. 03 feet to a point rn fence line at lands now or formerly of Juhu Mooney; thence by said lands of Mooney, North 67 degrees 13 minutes 56 seconds East 22. 57 feet to a point at comer of lands now or formerly of Perry McKeever; thence South 22 degrees 46 minutes 49 seconds East 21.50 feet to a point; thence by same, North 67 degrees 6 minutes 8 seconds East 4.11 feet to a point; thence by lands uow or formerly of Peter Petsinis, South 23 degrees 44 minutes 46 seconds Eaet-44. 02 feet to a point, the Place of BEGINNING. CONTAINING 0. 039 Acres. BEING Lot No. 2 on a Subdivisiou Plan of l{athryn J. Nate dated May 21, 1979, , and recorded in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, in Plan Bonk 36, Page 24. HAVING thereon erected the eastern one-half of a double dwelling house la~own and numbered as 31 E. Orange Street, Shippensburg, PA 17257. BEING the same premisca as described ur the Deed from Kathryn J. McBeth, now by marriage, Kathryn J. Nate, to James R. Humor, Jr. , and Marcia R. Homer, his wife, dated December 8, 1984, and recorded December 11, 1y84, in Cumberland County lleed Book 31 A 480. .-~---~ _ ''[[ .~~~ cy„1~~1W~x.~ .~.` ~ , . , ~t~_ r! ~lt.HiIF1 fll~ ptr t , ~ _ G r~+:.C it iA'i t-t I( ,7t. i,:.lrt?, .' .`ii Jl~t~Ijb :, tlp'. ~ ~ :, , r ~ r{ ~ ,~~ a .: i t:M.a.,~,. { ~c0; _.._. _...._ . °es riot ~ ~;~ 3 rs H'UOK ~ 3~ PAGE: ~~. Form SCA - "TOTAL tar Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Building Sketch Page - 1) Borrower C6eM NA Pro Address 31 E Oran a St C Shi ensbu Cau Cumbedand State PA Zi Cotle 17257-1927 Lender Estate of dose L Hursh dr. 12.00' 12.00' .5 B 17.00' 0 0 o Kitchen °D ° N_ Bedroom Bath 5.00' 5.00' 0 0 O ~ N V O O M Dining m Bedroom Basement o 0 0 v ~ N N Living Room Bedroom 17.00' 17.00' First Floor Second Floor ~~~~ Commerns: Coda AREA CALCULATIONS SUMMARY Description Size Net Totals GIAl First 81oor 624.0000 624.0000 GI.A2 9acond Floor 612.0000 612.0000 B9tER' eseement 552.0000 552.0000 TOTAL LIVABLE (rounded) 1236 LIVING AREA BREAKDOWN Breakdown Subtotals Firat: Ploor 17.00 a 24.00 408.0000 12.00 x 18.00 216.0000 Seeond Floot 17.00 z 36.00 612.0000 3 Calculations Total (rounded) 1236 Form SKT.BIdSkI - °TOTAL for Windows" appraisal soilware by a la mode, inc. -1-800-ALAMODE Location Map Borrower CGeM NA Pro a Address 31 E Oran a St Ci Shi ensbur Coun Cumberland State PA Zi Code 17257-1927 Lmtler Estate of Jose h L Hursh Jr. i x~ -, form MAP.LOC - °TOTAL for Windows" appraisal software by a la mode, inc. - i-800-ALAMODE N - 14 Subject Photo Page Borrower Chem NA Pro a Address 31 E Oran a St Ci Shi ensbur Cou Cumberland Slate PA L Code 17257-1927 Lender Estate of Jose h L Hursh Jr. Subject Front 31 E Orange St Sales Pdce Market Value Grass Living Area 1,236 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1.5 Location Average Vew Street Site 0.04 acre per tax office Quality Frame /Average Age 100+ Years Subject Rear Subject Street Form PIC3x5.SR -'TOTAL for Windows" appraisal software by a la mode, inc. -1-BBD-ALAMOOE Comparable Photo Page d -1 P Borrower Clierrt NA Pro a Address 31 E Oran a St Ci Shi ensbur Cau Cumberland State PA Zi Code 17257.1927 Lender Estate of Jose h L Hursh Jr. Comparable 1 318 E Burd St. Prax. to Subject 0.36 miles Sale Pdce 86,000 Gross Living Area 1,608 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 2 Locagon Average Vew Street Site 0.13 acre Quality Frame/ Average Age 100+ Years Comparable 2 311 E Burd St. Prox to Subject 0.35 miles Sale Price 80,000 Gross Llvirg Area 1,008 Total Rooms 6 Total Bedrooms 2 Total Bathrooms 1.5 Locagon Average View Street Site 0.05 acre Qual'dy Frame/Average Age 100+ Years Comparable 3 209 S Penn St. Prox. to Subject 0.11 miles Sale Pdce 80,000 Gross Living Area 1,272 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1 Location Average Yew Street Site 0.05 acre Quality Frame/Average Age 100+ Years form PIC3x5.CR - "TOTAL for Windows" appraisal software by a la mode, inc. -1-80g-ALAMODE 7- CommonwdlrA or 1'rnnsylvnnin Ueparlmcor ol'Stale Aurenu of Pndessiooal and Oaupntional Affairs .:.Certified General Appraiser Ccrtiricnte Number Expirntiun Dnte GAD0359d 06/30!2009 Ccrtificr[e Statue Active BRETf WESLEY LECHTHALER -t6 SAN JUAN DRIVE - - MECHANICSBURG PA 77055 BRETT WESLEYLECHTHALER 16 SAN JUAN DRIVE MECHANICSBURG PA 17055 93 NFAD THE FOLLOWING NrCRhtAT10N GMErUIiY CpVCcfll6iRD YOUR L C%NSF. !. SIGN TFC WhL'.R CARD AN.^ CERTIFICAT[ V/rIFgE INnGATED. '<. DETACH THE WALL= r CARn AI:D CEftrIFICATE AI VE4U~ORg110N. Registration Code Your registration code is found on the attached wallet card. Use this registration code online to: renew your license, change your personal or license address, or order duplicate licenses. Visit our websfle at: www.mvlicense.siate.pa.us First time users will be rerµtired to use this registratfo~ code to create a user ID and password. Commonwealth of Pennsy-tvania ` n r `D ~ ~~ ~ ~ ~ ~ ~ Department of State ' Bures u of Professional and Occupational Affairs PO l3clx 2649 Harrisburg PA 17105-2649 Certificate Type Certificate Status Certified General Appraiser Active ' IDitial Certification-Date - O6/2712D07 BRETT WESLEY LECHTHALER Certificate 16 SAN JUAN DRIVE Nwnber MECHANICSBURG PA 17055 GA003594 Expiratian Datc 06130!2009 ~I_nraun ~/ ~~; Cnmmissioner of Professimml and Occupalioaal Alrniri f.~rl Form SCA - "TOTAL for Windows" appraisal software by a la nwtle, inc. -1-800-ALAMODE APPRAISAL OF REAL PROPERTY LOCATED AT: 204 Allendale Rd Deed Book 32Y Page 315 Mechanicsburg, PA 17055-3401 FOR: Estate of Joseph L Hursh Jr. Go Charles E. Shields III Mechanicsburg, PA 17055 AS OF: Jury 12, 2007 BY: Appraisal Solutions Brett Lechthaler, PA Certfied Res. Appraiser 16 San Juan Drive Mechanicsburg, PA 17055 Form GA6 - "TOTAL for Windows" appraisal software by a la nwde, inc. -1-SOD•ALAMODE July 18, 2007 Appraisal Solutions 16 San Juan Drive Mechanicsburg, PA 17055 717-697-1828/Phone 717-697-0220/Fax Dear Sirs: Pursuant to your request, I have prepared a SUMMARY APPRAISAL REPORT of the property cautioned in the "Summary of Salient Features" which follows. The accompanying report is based on a site inspection of improvements, investigation of the subject neighborhood area of influence, and review of sales, cost, and income data for similar properties. This appraisal has been made with particular attention paid to 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 effective date as stated in the body of the appraisal, and contingent upon the certification and limiting conditions attached. Please do not hesitate to contact me if I can be of additional service to you. Respectfully, Brett Lechthaler, PA State Certified General Appraiser form DCVR - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE SUMMARY OF SALIENT FEATURES Subject Address 204 Allendale Rd Legal Description Deed Book 32Y Page 315 City Mechanicsburg County Cumbedand State PA Zip Code 17055-3401 Census Tract 0115.00 Map Reference ADC: 19/B-6 Sale Price $ Market Value Date of Sale Na Borrower / Clietd NA Lender Estate of Joseph L Hursh Jr. Size (Square Feet) 1,728 Pdce per Square Foot $ Location Average Age 23 Years Condition Average Total Raoms 5 Bedrooms 2 Baths 2.5 Appraiser Brett Lechthaler, PA State Cert Gen Appr Date of Appraised Value July 12, 2007 Final Estimate of Value $ 187,000 form SSD - "TOTAL for Windows" appraisal software by a la mode, inc. -1-8(10-ALAMODE Appraisal Solutions (717)697-1828 Individual Condominium Unit Appraisal Report Plie# The urpose of this summa a praisal report is to rovide the lender/client with an accurate, and adequat su oiled, opinion of the market value of the subject rop Pre a Address 204 Allendale Rd Unit # U-6 Ci Mechanicsbur State PA Zi Code 17055-3401 Borrower NA Owner of Public Record Jose h L. Hursh Jr. Cou Cumberland Le al Descri Lion Deed Book 32Y Pa a 315 Assessor's Parcel # 17-23-0563-156 Tax Year 2007 R.E. Taxes $ 2 730.04 Pro'ect Name Herita a Acre Condominium Phase # 1 Ma Reference ADC: 19/B-6 Census Tract 0115.00 Occu ant Owner Tenant Vacant S ecial Assessments $ None HOA $ UNK er ear ^ er month " Pro Ri Ms A raised Fee Sim le Leasehold Other describe Asst nment T e Purchase Transaction Refinance Transaction ®Other describe Market Value Lender/Client Estate of Jose h L Hursh Jr. Address c/o Chades E. Shields III 6 Clouser Rd Mechanicsbur PA 17055 Is the subject roe come offrxed Tor sale or has it been offered Tor sale in the twelve months dor to the effective date of this a sisal? Yes No Re ort data sources used, offerin rice s and dates . Local multi le listin data shows the sub'ect has not been listed within the ast 12 months. I ^ did ^ did not anayze the contract for sale for the subject purchase transaction. Explain the resuBs of the anaysis of the contract for sale or why the analysis was not edormed. NA ' Contrail Pdce $ Market Valor Date of Contract Na is the roe seNer the owner ai ublc record? Yes ^ No Data Sources NA Is there any financial assistance (ban charges, sale concessions, gift or tlownpayment assistance, etc.) to be paid by any party on behalf of the bonower? ^ YES ^ NO It Yes, re art the total dollar amount and describe the items to be aid. NA Note: Race and the racial composition of the nei hborhood are not ap reisal factors. Nei hbofioodCherocteristics CondomihiumUnffHousin :Trends !ConiiominiumHOUSin ` PreaentLandUae°!o Location Urban Suburban Rural Pro Values Increasin Shdble Declinin PRICE AGE One-Unit 80 % Built-U Over 75% 25-75% Under 25% Demand/Su I Slrorta a In Balance Over Su I $ 000 rs 2-0 Unk 6 % ;Growth Ra id Stable Slow Marketin Time ®Under 3 mites ^ 3-6 mths Over 6 mites 70 Low New Multi-Famil 5 % Nei hborhootl Boundaries The nei hborhood boundaries are indicated on the endosed nei hborhood ma 250+ Hi h 25+ Commercial 4 % in the addenda of this re ort. 100-50 Pred. 10-18 Other 5 % Nei hborhood Description Sub'ect has access to all necessa su ortin facilities indudin schools ublic arks, trans ortation, sho i and Houses of Worshi Em to ent stabili is ood due to the State Ca itol at Hanisbur the Na Su I De of in Mechanicsbu the Ann Su I De of in New Cumbedand, and the a andin West Shore Area. Market Conditions includin su ort for the above conclusions The search of coon tax records and the MLS service show vices stable. The MLS service indicates that the ical roe sells in under 3 months. Mort a e funds are readil available from a varie of sources wfth conventional bans bet 6.00 % to 7.00% interest fixed 30 ar mort a e, u to 3 oints. To rah Mostl Level Size Avera a [>ensi Avera a View T ical street S ec'rfic Zonin Classification R-H Zonin Descri lion Hi h Dens' Residential Zoni Co Hance Le al Legal Nonconforming - Do ffre zonin regulations permB rebuiklin to cunent dens' ? ®Yes No No Zonin Ille al describe Is the hi hest and best use of subject roe as im roved or as roposed er plans ands ecificatians the present use? ®Yes Ne It Ne, describe UtiliBes Public Other(descdbe) PuWk Other(descrtbe) Off-sdelm rovements-T Public PrNete Electricity Water ® Street Macadam ~ Sanita Sewer Nie None FEMA S cial Fbod Hazard Area Yes No FEMA Fbod Zone X FEMA Ma # 4203620005D FEMA Ma Date 313/1992 Are the utilities and off-site im rovements ical far the market area? ®Yes No 0 No, describe Are there an adverse site conditions or external factors easements, encroachments, environmental conditions, land uses, etc. ? Yes Na If Yes, describe Standard easements for electric fete hone, etc. There are no known or a arent adverse easements encroachment or conditions noted. Association fee covers exterior maintenance, lawn care and snow removal. A title search has not been com leted and is wnsidered outside the sco a of this re ort. Data source S for pro'ect information Exterior Ins ection Pro ect Descd lion ^ Detached ®Row or Townhouse ^ Garden ^ Mid•Rise ^ High-Rise ^ Other describe General Desctiption Generei Deaori ion Su 'ect Phase If inoject:COm leted N Project.lncolnplete # of Stories 2 Exterior Walls Alu Brk # of Units 8 # of Phases 1 # of Planned Phases NA # of Elevators 0 Root Surface Shin le # of Units Completed 8 # of Units 8 # of Planned Units NA Existin Pro osed Totai # Parkin 2 # of Units for Sale 0 # of Units for Sale 0 # of Units for Sale NA Under ConsWc0an Ratio sates/units 2+/1 # of Units Sold 8 # of Units Sold 8 # of Units Sold NA Year Buih 1984 T e Gara e # of Units Rented 1 # of Units Rented 1 # of Units Rented NA Effective A e 10-14 Guest Parki O en # of Owner Occu ied Units 7 # of Owner Occu ied Units 7 # of Owner Occu ied Untts NA Pro ect Prima Occu ant Princf le Residence Second Home or Recreational Tenant Is the develo erPouilder in control of the Homeowners' Association OA ? ^Yes No - Mana ement Grou - Homeowners' Association Deveb er Mona ement A ent -Provide name of mono ement com an . • Does an sin le ent' the same individual, investor rou , co oration, etc. own more than 10% of the total units in the ro'ect? Yes No If Yes, Describe This area is for Bankin Use On .' Was the ro'ect created b ffle cornersion of existin buildin s into a condominium? Yes ®No If Yes, describe the oil foal use and date of cornersion. Are the units common elements, and recreation Tacilities com lete includin an tanned rehabilitation far a condorntnium cornersien ? Yes No If No, describe Is there an commercial s ace in the ro'ect? Yes No If Yes, describe and indicate the overall rcenta a al the commercials ace. Freddie Mac Form 465 March 2005 Page 1 of 6 Fannie Mae Form 1073 March 2005 Form 1073 - "TOTAL for Windows" appraisal software by a la mode, inc. -1.800-ALAMODE Individual Condominium Unit Appraisal Report F;le# Descdbe the corrtlition of the ro'ect and ual' of construction. The condition uali of rronstruction and a eat to market is ood for the area. . Describe the common elements and recreational facilities. O en reen areas Are an common elemerts leased to or b the Homeowners' Association? ^ Yes No If Yes, describe the rental terms and a lions. Is the ro'ect subject to a round rent? Yes No If Yes, $ er ear describe terms and wnditions Are the arkin facilities ode uate for the ra ect size and e? ®Yes No It No, descdbe and commem on the effect on value and markehbll' . I did did not anatyze the condominium project budget for the cunent year. Explain the resuhs of the anatysis of the budget (adequacy of tees, reserves, etc.), or why Bie anal sis was not erformed. I did not ana a the condominium bud et. I was not su lied with information to ertorm this anal lion. Are tliere an other fees other than re ular HOA char es tar the use of the ro ect facilities? Yes No h Yes, report the char es and describe. NA Com arod to other co etitive ro acts of similar ua' and desi n the subject unh char e a ears Hi h Avera a Low It Hi h or Low describe Unknown • Are there any special or unusual characteristics of the protect (based on the condominium documents, HOA meetings, or other information) known to the appraiser? Yes No I(Yes, descdbe and explain the effect on value and markehbil' There are no known unusual characteristics that would effect marketabil' Unit Char e E er month X 12 = $ er ear Annual assessmer char a er ear er s uare feet of ross Gvi area = $ Utilities included in the unit momh assessment None Heat ^ Air Conditronin Electric Gas Water Sewer Cable Other describe GeneraLDeaai ion , :, ~' Interior ~ ~meterisis/condition Amenities ,,,Appliances CarSforage Floor # 112 Floors C t1TIelVlld/Av Rre laces # 1 Refd erator None # ai Levels 2 Walls D aIVAv WoodStove s # Ran e/Oven Gara a Covered 0 en Head T e HP Fuel Eled TrirNFnish Wood/Av Deck/Patio Screen Ois Microwave # of Cars 2 Cerdral AC Indivdual AC Bath WainscatFiber IasslAV PorchBalcony Stoo Dishwasher Assi ned Owrred Other describe Doors Avera e ^ Other Washer/D er Parkin S ace # NA Finished area above rode cordairs: 5 Rooms 2 Bedrooms 2.5 Baths 1 728 uare Feet of Gross Livin Area Above Grade Are the heatin and coo6n for the individual units se ara metered? Yes Na if No, describe and commerd on com atibil' to other roasts in the market area. NA Additional features s cial ener efficient hems etc. T ical for ro'ect. _ Descdbe the condition of the roe lncludin needed re airs, deterioration, renovations, remodelin ,etc.. Sub'ect is in avera a to ood condition. The construction ual is ical for a e in com orison to com etin net hborhoods. Based on maintenance condhion and com orison to com etin net hborhoods the estimated a e is below the actual a e. Are there an sisal deficiencies or adverse conditions that affect trre livabili , sountlrn;ss, or structural int ri of the ro ? Yes No If Yes, describe There are no a arent h sisal deficiencies or adverse conditions noted that would affect the livabili soundness or structural into of the ro e Does the ro eneral conform to the net hborhood functional ulil' , s le contlhion, use, construction, etc. ? Yes No If No, describe The roe conforms to the surroundi net hborhood. i did did not research the sale or transfer histo of the subject roe and co arable sales. If not, ex lain M research did did not reveal an dor sales or transfers of the sub act roe for the three ears rior to the effective date of this a sisal. Doh sources Courthouse Records M research did did not reveal an rior sales ar transfers of the co arable sales for the ear rior to the date of sale of the com arable sale. Data source 5 Courthouse Records Report the resuhs of the research and ana sis of the pdar sale or transfer histo of the subject roe and co arable sales re ort additional rior sales on pa e 3 . ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3 Date of Prior Sale/Transfer None None None None Price of Prior SaleJTransfer NA NA NA NA ~ Data Sources CH Records Court House Records Court House Records Court House Records • Effective Date of Data Sources 7/18/2007 7/18/2007 7/18/2007 7118!2007 • Ana sis of rior sale or transfer hislo of tfre sub ecl r0 and co arable sales. The sub'ect has not transferred within three ears. Other rior sales of the com arable ro rties occurred more than one ear a o. Freddie Mac Form 465 March 2005 Page 2 of 6 Fannie Mae Farm 1073 March 2005 Form 1073 -"TOTAL for Windows" appraisal sofhvare by a la mode, inc. -1-800-ALAMODE Individual Condominium Unit Appraisal Report Flle# There are 8 com arable ro erties curve offered Tor sale In the subject rtei hbodwod ran in in rice from $ 165 50o to $ 258 000 There are 12 com arable sales in the subject net hbodtood within the ast twelve mont hs ran in in sale dce from $ 169 000 to $ 253 900 FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address and 204 Allendale Rd Unit # Mechanicsbur PA 17055-340 206 Allendale Rd Mechanicsbur PA 567 Brighton PI Mechanicsbur PA 41 Kensington Sq Mechanicsbur PA Project Name and Heritage Acre Condominiu Phase 1 Heritage Acre Condominium 1 Brighton Place 1 Kensington Square 1 Proxim' to Sub act 0.01 miles 0.74 miles 2.31 miles Sale Pdce $ Market Value $ 174 900 $ 173 000 $ 220 000 Sale Price/Gross Liv. Area $ s . ft. $ 101.22s . tt. $ 100.46s . tt. $ 107.42s . ft, Data Sources Multi-listin Service Multi-listin Service Multi-listin Service Verifica8on Sources Courthouse Records Courthouse Records Courthouse Records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTIDN + - $ Ad'usimeM DESCRIPTION + - $ Atl'ushnein DESCRIPTION + - $ Ad'ustment Sales or Rnancing Concessbns Conventional None Re orted Conventional None Re orted FHA None Re orted Date of SaleRme 6/05 59 DOM +12 000.2 4/07 5 DOM 4107 501DOM Location Avera a Avera a Avera a Su erior -10,000 Leasehald/Fee Si le Fee Sim le Fee Sim le Fee Sim le Fee Sim le HOA Mo. Assessment Unknown Avera a Avera a Avera e Common Elements and Rec. Facilities Open green are None Equal E ual Equal E ual Equal E ual Floor Location 2 Floors 2 Floors 2 Floors 2 Floors View T ical street T ical street T icel street T ical sVeet - Desi n S le Townhouse Townhouse Townhouse Townhouse Dual' of ConsUuction Frame Frame Frame Frame • Actual A e 23 Years 23 Years 15 Years 23 Years Condition Avera e E ual E ual Su erior -5 000 • Above Grade Talai Bdrms. Baths Total Bdrms. Baths Total Bdm~s. Baths Telal Bdrms. Baths Room Count 5 2 2.5 6 3 2.5 8 2 2.5 5 2 2.5 • Gross Livi Area 1 728 s . ft 1 728 5 . ft. 1 722 s . tt. 2 048 5 . fL -8 000 'Basement 8 Fnished Rooms Bebw Grade None NA None NA None NA None NA -Functional Utii' Avera a Avera a Avera a Avera e HeaBn Cooli HPICA HP/CA HP1CA HP/CA Erer Efficientltems Avera a Avera a Avera a Avera e tiara e/Car ort 2 Car tiara e 2 Car tiara e 1 Car tiara a +10 000 2 Car tiara e PwcMPatio/Deck Porches Porchas Porches Porches Other Fire lace Fire lace Fire lace FP Elevator -5 000 Net Ad'usbnent otal + - $ 12 000 ®+ ^ - $ 10 000 + - $ 28 000 Adjusted Sale Price Net Adj. 6.9 % Net Adj. 5.8 % Net Atlj. 12.7 % of Comparables Gross Ad'. 6.9 % $ 186,900 Gross Ad'. 5.8 % $ 183,000 Gross Adj. 12.7 % $ 192 000 Summa of Sales Com arisan A roach The three closed sales dis la ed are considered to be the best indicators of value. Ad'ustments were a lied to re resent market reactions to differences between fhe sub'ect and com ambles. Sale #1 ad'usted for time to brin u to current market conditions. Sale #3 su erior location due to bein in a hi h so ht after location and su erior conddion due to u radeslmaintenance. Minimal s uare foots a ad'ustments reflect economies of scale. The ad'usted ran a of com arable values Is $183 000 to $192 000. All sales wet hted anc considered with most wet ht a lied to Sale #1 due to room' . Indicated Value by Sales Comparison A proach $ 187,000 INCOME-pPPROACNTOVALUE(not uiredb `FannbMae EsBmated Mordh Market Rent $ NA X Gross Rent Mufti liar 0.00 = $ Indicated Value b Income A roach • Summa of Income A roach mcludin su ort for market rent and GRM Indicated Value b :Sales Com orison A roach $ 187 000 Income A roach (H develo d) S The Cost roach and Income roach were not rocessed due to the lack of reliable information availabl .Greatest we' ht is iven to the Sales Com orison roach as it reflects the icel actions of bu rs and sellers in the market lace. • This appraisal is made "as is", subject to completion per plans and specifications on the basis of a hypothetical condition that the improvemems have been • completed, ^ subject to the iolbwing repairs or aheraeons on the basis of a hypotlielicai condition that the repairs or alterations have been completed, or ^ subject to the toRawi re wired ins action based on the exhaordina assum lion that the condi8on or deficienc does not r wire akera8on or re air: The sub'ect roe is bein a raised as is. See attached a raiser's cert~cation and Statement of Limitin Conditions. Based on a complete visual inspection of the interior and exterior areas of the subject propeAy, defined scope of work, statement of assumptions and limiting conditions, and appraiser's c dication, my (our) opinion of the market value, as defined, of 1the real property that rs the subject of this repoA is S 187,000 as of Ju 12 2007 which is the dale of ins 'on and the effective date of this a sisal. Freddie Mac Form 465 March 2005 Page 3 of 6 Fannie Mae Form 1073 March 2005 Form 1073 - "TOTAL for Wintlows° appraisal software by a la mode, inc. -1-800-ALAMODE P 7 Inalwaual conaominwm unit This report form is designed to report an appraisal of a unit in a condominium project or a Condominium 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 cooperative project. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, ar deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) pertorm a complete visual inspection of the interior and exterior areas of the subject unit, (2) inspect antl analyze the condominium project, (3) inspect the neighborhood, (4) inspect each of the comparable sales from at least the street, (5) research, verify, and analyze data from reliable public and/or private sources, and (6) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction, INTENDED USER: The intended user of this appraisal report is the lender/client. MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue slimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; {2) both parties are well informed or welt advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for U1e property sold unaffected by special or creative financing or sales concessions* granted by anyone associated wfth the sale. *Adjustments to the comparables must be made for special or creative financing or sales Concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily Identifiable since the seller pays these costs in virtually alt sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dolor cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject sfte is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.j observed during the inspection of the subject property or that he or she became aware of during the research involved in performing this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or waranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be performed in a professional manner. rreaaie mac roan 4bo Marcn'LUUb Page 4 of 6 Fannie Mae Form 1073 March 2005 form 1073 -'TOTAL for Windows" appraisal software by a la mode, inc. -1-8g0-ALAMODE Individual Condominium Unit Appraisal Report File# APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I performed this appraisal In accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locatfonally, physically, and functionally the most similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and experience in appraising this type of property in this market area. 12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 1Q. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. I have not knowingly withheld any signrficant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. i6. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on signrficant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Freddie Mac Fonn 465 March 2005 Page 5 of 6 Fannie Mae Norm 1 U rs Marcn ruuo Farm 1073 - °TOTAL for Windows" appraisal software by a la mode, inc. -1.800•ALAMODE Individual Condominium Unit Appraisal Report File# 21. The lender/client may disclose or distdbute this appraisal report to: the borrower; another lender at the request of the borrower, the mortgagee or its successors and assigns; mortgage insurers; govemment sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, govemment sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualffied to pertorm this appraisal, and is acceptable to pertorm this appraisal under the applicable state law. 4. This appraisal report complies with the Un'rform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile Vansmission Of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER Signature ~~~ Name Brett Lechthaler, PA State Cert Gen Appr Company Name Appraisal Solutions Company AddreSS 16 San Juan Drive Mechanicsburg, PA 17055 Telephone Number 717-697-1828 Email AddreSS biechthaler(a)comcast.net Date of Signature and Report July 18, 2007 Effective Date of Appraisal July 12, 2007 State Certification # GA-003594 or State License # or Other State # State PA Expiration Date of Certification or License 6130/2009 ADDRESS OF PROPERTY APPRAISED 204 Allendale Rd # U-6 Mechanicsburg, PA 17055-3401 APPRAISED VALUE OF SUBJECT PROPERTY $ 1a7,ooo LENDEFVCLIENT Name Charles E. Shields III Company Name Estate of Joseph L Hursh Jr. Company Address c/o Charles E. Shields III 6 Clouser Rd, Mechanicsburg PA 17055 Email Address SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name Company Address Telephone Number Email Address Date of Signature State CeR'rfication # 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 Freddie Mac Form 465 March 2005 Page 6 of 6 Fannie Mae Form 1073 March 2005 Form 7073 - °TOTAL for Windows" appraisal software by a Ia mode, inc. -1-800-ALAMODE Location Map #1 Borrower C6eM NA Pro a Adtlress 204 Allendale Rd Ci Mechanicsbur Coun Cumberland State PA Zi Code 170553401 Lentler Estate of Jose h L Hursh Jr. ~ gg ~ _,~ ~.s~aa ~a _ ~. ~~ l t~' ~~ ~ ~ ,gip ~ ~~~ ~ t t ~ ~ ~ ._ ~ ~ ' ~ riiMl l~lar hCMd11Y °P° `. c, ~ -~ r rjO~X .. ,- ~~ ya w pq 0 - ~ ~ g ~ ~ `, h ~ s u ~1.- cxW'~ao,. ,,~~ ~.o', ix ~ ~ p` shy R '. Q, ~ § CrWm Ro ~p4 a .g °NC ~ ___ ~ P ~ ,cK __ _- _- ~1~. Hby f a t ~4 ~ rt~ ii+~ < 'b. r~ ~A a ~~ ~ . ~'P o ~ e _ ~ ~b tip ~ o tra 4a ~ a~ q,~, -~e 8 ~ ~ E } i o y & aU ~ _ l ;' ~ .. ~ ~ '~ n-,~~ g .s q ~ ~ bn46: o ' _a a ~ pf ` 5 °a ¢ ~ R ~" - _ q Oqb ~& it ~rw~aw_ ~. _ _ ___ ~_ ~ >~t 9b ~,..~~ io~raMP Pik e ~ ~ .. l - `, '.4 _, _ _ ~ I I + Ye . B~if ~ PPP''' ~^ o I ., ~._ .`- a ~ u, ~ ~ -. ,. ~ an 1 c b ~a+ane~W Ear~rto ~} - w dcd 3 ~ 7~ _ . c ~ a~ s K ,_ P% , Ab4 '$ ~-- A ~ ~~ ~ ~ ~ q G4~ ~ __.,Q wm~°~- tl y5 ~o o~.:-.~,w'° ,..£v~.~qy~. C -.~ ~~b' ~ ;w~.P.. 9 ~y5w~~ r ~~ ~r,.s`y N 3 ` ~ 9 , ' ,. d <"~ .tl 4 ri Y E 9 IW ~N,,'x~.m ~ omva E~°~ 5~ ~~ _ ~ __ afP~ ~5 ~ ~ ~:-~ P a ~5 iii ~ W q° ~ w ~ ~ ~ S ~ W ~ r«. P,~ ~ d .. ,N uAb ~ 1 .. V~5` '{T~es` ~~ y ,~a~~,p~ ~ ~ ~ 7~ :P Spy - g~ ~ a~ ~~': ~b ~ M~ rp }~ t3 V1 ~v ~° " ~ - ~ _ .. .... ~ g g p ~N Q$", 15 Qq Hwy ada m _ ~ s"' ~~~ ~~ ^ farm MAP.LOC -"TOTAL (or Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Building Sketch (Page - 1) Borrower CSent NA Pro Address 204 ANendate Rd C' Mechanicsbur COU Cumberland State PA Zi Code 17055-3401 Lender Estate of Jose h L Hursh Jr. 23.00' Garage o° 0 N 1 ~ 1 1 I I I i L ' I Rio I a° i N I i I 1 i i Dining Bath Bedroom Dining Room o Kitchen g ~ ~ M Living Room .5 BA Bedroom LA Bath Foyer 24.00' 24.00' Second Floor First Floor /s~.~w.i~.n.~e. Iw Code AREA CALCULATIONS SUMMARY Description Size Net Totals GLA1 Firat Floor 664.0000 864.0000 GIA2 Second Floor 864.0000 864,0000 p/p porch 156.0000 156.0000 GAR Gnrege 460.0000 460.0000 TOTAL LIVABLE (rounded) 1728 LIVING AREA BREAKDOWN Breakdown Subtotals FirBt Floox 24.00 z 36.00 864.0000 Second Floor 24.00 x 36.00 964.0000 2 Calculations Total (rounded) 1728 Farm SKf.BWSkI -'TOTAL for Wintlows" appraisal software by a la mode, inc. -1-800-ALAMODE Subject Photo Page P # Borrower Clierd NA Pro a Address 204 Allendale Rd Ci Mechanicsbur Coun Cumberland State PA Zi Code 17055-3401 Lender Estate of Jose h L Hursh Jr. Subject Front 204 Allendale Rd Sales Price Market Value Gross Living Area 1,728 Total Rooms 5 Total Bedrooms 2 Total Bathrooms 2.5 Location Average Vow Typical street Sile Average Duality Frame Age 23 Yeers Subject Rear Subject Street form PIC3x5.SR - "TOTAL for Windows° appraisal software by a fa mode, inc. - i •800-ALAMODE Comparable Photo Page Borrower C4erd NA Pro Address 204 Allendale Rd Ci Mechanicsbur Cou Cumberland State PA Z Cade 17055-3401 Lender Estate of Jose h L Hursh Jr. Comparable 1 206 Allendale Rd Prox. to Subject 0.01 miles Sale Pdce 174,900 Gross Living Area 1,728 Total Roams 6 Total Bedrooms 3 Total Bathrooms 2.5 Location Average View Typical street Site Average Duality Frame Age 23 Years File Photo Comparable 2 567 Brighton PI Prox to Subject 0.74 miles Sale Pdce 173,000 Gross Living Area 1,722 Total Rooms 8 Total Bedrooms 2 Total Bathrooms 2.5 Location Average Yew Typical street Site Average Duality Frame Age 15 Years File Photo Comparable 3 41 Kensington Sq Prox to Subject 2.31 miles Sale Price 220,000 Gross Living Area 2,048 Total Rooms 5 Total Bedrooms 2 Total Bathrooms 2.5 Location Superior Yew Typical street Site Average Duality Frame Age 23 Years File Photo Form PIC3x5.CR -"TOTAL for Windows' appraisal software by a la mode, inc. -1-SOD-ALAMODE (.bmmonn~ealth of 1'ennsylvwnin Uepartmcnt of Stale Rurewu of Professional and OecopnGnnal At7airs :.Certified Genoral Appraiser Gcrtificwte~lVum6er Expiration Date GA003594 06/30/2009 _ ~ Certificate Status Active BRETT WESLEY LEGHTHALER 16 SAN"JUAN DRIVE MECHANICSBURG PA 17055 ~~~~ ~ 94 N4:AD THE FDLLUWINCG N=CRMATION CARER3LLY CO~C:RIJINGYWNLCcNSF '. SIGN TNC WALLl7 CARD ANA CF. N7IFICATE VMFRF INn.CATED. c. pETAr, 11 THE WALL?T LAND AND CERT1FlCATE FI Vl-HFURATION. BRETT WESLEY LECHTHALER 16 SAN JUAN DRIVE MECHANICSBURG PA '17055 Registration Code Your registration code is found on the attached wallet card. Use this registration code online io: renew your license, chanye your personal or license address, or order duplicate licenses. Visit our websile at: vrvrw.mvlicense.state.oa.us First time users will be required to Lrse this registration code to create a user ID and password. Commonwealth of Pennsylvania r r :• Department of State `'' .~. %~ ~' 1_ Bureau of Professional and Occupational Affairs - PO Box 26491Flarrisburg PA 17105-2649 CertiGcatc Type Certificate Status Certified General Appraiser Active Initial Certificatiotr t)atc 06/2712007 BRETT WESLEY LECHTHALER 16 SAN JUAN DRIVE MECHANICSBURG PA 17055 ~~'~,1%~c-r' ~' / Commissioocr oCProlcssinnnl :unl Occupwliouai Amliri Certificate Nwnbcr GA003594 Expiratian Date 06/30/2009 ~a,~;r.. SI°il(A11rC ~/ - y Form SCA - °TOTAL for Windows° appraisal software by a la mode, inc. -1.800-ALAMODE F 7-2 R # APPRAISAL OF REAL PROPERTY LOCATED AT: 2155 Rosstown Rd Warrington Township, York County Lewisberry, PA 17339-9194 FOR: Estate of Joseph L Hursh, Jr. c/o Chades E. Shields III Mechanicsburg, PA 17055 AS OF: July 6, 2007 BY: Appraisal Solutions Brett Lechthaler, PA Certified Residential Appraiser 16 San Juan Drive Mechanicsburg, PA 17055 farm GA6 - "TOTAL for Windows" appraisal soltware by a la mode, inc. -1-800-ALAMODE F - t t P # July 16, 2007 Appraisal Solutions 16 San Juan Drive Mechanicsburg, PA 17055 Phone: 717-697-1828 Fax :717-697-0220 Dear Sirs The accompanying summary appraisal report is based on a site inspection of improvements, investigation of the subject neighborhood area of influence, and review of sales, cost, and income data for similar properties. This appraisal has been made with particular attention paid to 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 effective date as stated in the body of the appraisal, and contingent upon the certification and limiting conditions attached. Please do not hesitate to contact me if I can be of additional service to you Respectfully, Brett Lechthaler, PA State Certified General Appraiser form DCVR -'70TAL !or Windows" appraisal sottware by a la mode, inc. - t-800•ALAMODF SUMMARY OF SALIENT FEATURES Subject Address 2155 Rosstown Rd Legal Description Deed Book 0600 Page 0538 City Lewisberry Courtly York State PA Zip Cade 17339-9194 Census Traci 0203.20 Map Reference Metro:3D5BIG-7 Sale Price $ Market Value Date of Sale NA Borrower /Client NA Lender Estate of Joseph L Hursh, Jr. Size (Square Feet) 1,510 Price per Square Foot $ Location Average Age 100+ Years Condition Average Total Rooms 8 Bedrooms 4 Baths 1.5 Appraiser Brett Lechthaler, PA State Cert Gen Appr Dale of Appraised Value July 6, 2007 Final Estimate of Value $ 300,000 Form SSD -'TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE Appraisal Solutions (717)697-1828 Uniform Residential Appraisal Report FfIeN 7-2155Rosstown The par ose of this summary a praise/ repod is to provide tt~e lender/client with an accurate, and adequate) supported, opinion of the market value of the subject property. Pro ell Address 2155 Roastown Rd Ci Lewisber State PA Zi Code 17339-9194 Borrower NA Owner of Public Record Jose h L. Harsh Jr Count York Le al Descri lion Deed Book 0600 Pa a D538 Assessor's Parcel # 49-000-NF-0029-AO-00000 Tax Year 2007 R.E. Taxes $ 3 408.57 Nei hborhoad Name W onto ton Townshi Ma Reference Metro:3O56/G-7 Census Tract 0203.20 Occu and Owner Tenant Vacard S ecial Assessments $ None PUD HOA $ NA er ear er month " Pro a Ri Ms A raised Fee Sim le Leasehold ^ 08rer describe Asst nment T e Purchase Transac8on Refinance Transaction Otlter describe Market Value Lender/Client Estate of Jose h L Hursh Jr. Address c/o Chades E. Shields III 6 Clouser Rd Mechanicsbur PA 17055 Is the subject roe current aflered for sale or has it been ohered for sale in the twelve months dor to the effective dale of this a raise/? Yes ®No Re od data sources used, atferin rice s ,and dates . There were no listin s noted in the local Multi le Listin Service within the est ear. I ^ did ®did no[ anayze the contract for sale for the subject purchase transac8on. Explain the results of the anaysis of the contract for sale or why the analysis was not edormed. No sales a reement to anal e. Contract Price $ Market Valuf Date of Contract NA Is the ro ert seller the owner o1 ub6c record? ®Yes No Data Sources Tax office records Is there any financial assistance poan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any pally on behall of the borrower? ^Yes ^ No It Yes, re od the total dollar amount and describe the items to be aid. NA Note: Race and the racial com oaition of the net hborhood are not appraisal factors. 3Neih{xirKoodCharacteriatics-- .OnezUrfiFHoubin`:Trends One=Unitflouem._: ==Rreaentt~~ndUse',6 Location Urban Suburban ^ Rural Pra a Values Increasin Stable Declinin PAICE AGE One-Unit 80 % Bultt-U Over 75% 25-75% Under 25% Demand/Su I Shorha a In Balance Over Su I $ 000 rs 2-4 Unit 6 % ;Growth Ra id Stable Slaw Markebn Time Under 3 mths ®3-6 mths Over 6 mths es Law New MulB-Famil 3 % Nei hborhoad Boundaries The net hborhood boundaries are indicated on the enclosed net hborhood ma 400+ Hi h 100+ Commercial 6 % in the addenda of this re ort. Sub'ect exceeds redominant values due to acrea e. 125-90 Pred. 25-45 Other 5 % Nei hborhood Description Sub'ect has access to alt necessa su ortin facilities includin schools, ublic arks, trans ortation, sho in and houses of worshi Em to ent stabil' is ood due to the State Ca itol at Harrisbur the Na Su I De of in Mechanicsbur the Ann Su I De of in New Cumberland and the a ands West Shore Area. Em to ent is within 15-30 minute drive. Market Conditions includin su ort for the above conclusions Mort a e funds are reedit available from a varie of sources with conventional loans bein 6.0% to 7.0% interest, fixed 30 ear mort a e u to 3 oints. Sellers are not re aired to offer sales or financin concessions however, seller assistance is occunin . Dimensions See endosed le al descri lion Area 8.74 acres Shape Ine ular View StreeUW oods S eci(ic Zonin Classification RA Zonin Descri tron Rural A ricultural District Zonin Compliance Le al Le al Noncordormin Grantliathered Use No Zonin Illegal describe Is the highest and best use of subject pro a as im roved or as pro osed er plans and specifica8ons the present use? Yes No If No, describe Utililies Public Other{describe) Public Olher{descdbe) OH-shelm rovements-T Public Private Electdci Water ®well Street Macadam Gas Sanitary Sewer se tic Alley FEMA S ecial Fbod Hazard Area Yes No FEMA Fbod Zone C FEMA Ma # 42223200108 FEMA Ma Date 3/16/1983 Are the utili8es and alt-site improvements ical for the market area? Yes No h No, describe Are there an adverse site conditons or external factors easements, encroachments, environmental condfions, land uses, etc. ? Yes No If Yes, describe Standard easements for electric, tele hone, etc. There are no known or a arent adverse easements, encroachments or conditions noted. A title search has not been com leted and is considered outside the sco a of this re ort. "'GenerAltkscri Borr' 'Foundation Ekteiioy;Descn Iron.>>~~smaterials/condition Inferior -=meierlals/condition; Untts One One with Accessary Unit Concrete Slab ®Crawl Space Foundation Walls StonelAv floors C t,Wood/Av # of Stories 2.5 Sto PoII Basement Partial Basemen) Exterior Walls Vin /Av Walls PlasterlAv T pe Del Att S-DelJEnd Unit Basemen/ Area 572 sq.fl. Roof Sudace Slate MetaVAv TrirNRnish W oodlAv Exisbn Pro osed Under Const. Basement Fnish 0 % Gutters & Downs oafs AluminumlAv Bath Floor Ceramic/Av Design S le Farmhouse Outside Enlry/Exit Sum Pump Window T pe Sin IeHun /A Bath Wainscot Fiber lass/Av Year Built 1900 Evidence o1 Inlestatran Storm Sash/Insulatetl Partial Car Store a None Effective Age rs 40-55 Years ®Dampness ^ Settlement Screens Partial Drivewa # of Cars 8+ Atbc None Heatrn FWA HWBB Radians Amenities Woodslove s # Drivewa Sudace Gravel Drop Stair Stairs Other Fuel Oil Fre laces # Fence Gars e # of Cars 2+ Fbor Scuttle Coolin Central Air Contlilionin PaBo/Deck Porch Ca od # of Cars ^ Fnisfred ^ Heated ^ Individual ^ Other ^ Pool ®Other OutBld s Att. ®Det. ^ Built-in A /fences ^ Relri erator ^ Ran e/Oven Dishwasher ^ Dis osal Microwave ^ Washer/D er ^ Other describe Finished area above rode cardains: 8 Rooms 4 Bedrooms 1.5 Baths 1 510 S uarc Feet of Gross Livin Area Above Grade . Additional features s ecial ener efficient items, etc.. T ical for homes of this a e and uali . Describe the condition of the roe includin needed re airs, deterioration, renovations, remodelin ,etc.. The sub'ect is in avers a condition. The construction ual' is t ical fora a in com orison to com alto net hborhoods. Based on maintenance condition and com orison to com alto net hborhoods the estimated a e is below the actual a e. Ph sical de reciafion is due to a e. No economic nor functional obsolescence noted. Are (here an h sical deficiencies or adverse conditions that affect the livabili ,soundness, or structural int ri of the roe ? Yes No If Yes, describe There were no observed nor noted h sical deficiencies or adverse conditions that would affect the livabild soundness or structural tote rit of the ro e Does the roe eneral conlorm to the net hborhood func8enal unlit , s le, condition, use, constmction, etc. ? Yes No If No, describe The ro art conforms to the surroundin net hborhood. Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. -1.800-ALAMODE i -1 # Uniform Residential Appraisal Report File# 7-2155Rosstown There are 3 com arable ro ernes Curren offered for sale in the sub ecl net hborhood ran in in rice from $ 249 900 to $ 299,900 There are 9 com arable sales in the subject net hborhood within the past twelve months ran in in sale rice from $ 199 000 to $ 370 000 FEATURE SU&IECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 2155 Rosstown Rd Lewisbe PA 17339-9194 220 Andersontown Rd Dover PA 17055 145 Ridge Dr Dillsbur PA 17019 1632 York Rd Mechanicsbur PA 17055 Proximf to Sub'ecl 4.28 miles 9.96 miles 12.46 miles Sale Price $ Market Value $ 321 000 _ $ 289.000 $ 300 000 Sale Price/Gross Liv. Area $ s .tt. $ 191.07 s .h. $ 159.14 5 .tt. $ 141.31 s .tt. Data Sources Multi-Listin Service Multi-Listin Service I raised Vedficakon Source S Courthouse Records Courthouse Rec ords Courthouse Records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad'ushnerh DESCRIPTION + - $ Ad'ustment DESCRIPTION + - $ Ad'ushnent Sales or Financing Concessions Conventional None Re orted Conventional None Re orted Conventional None Re orted Date of Sale/f ime 6111 /2007 3/26/2007 6111 /2007 Location Avera a Avera a Inferior +20 000 Avera e Leaseholtl/Fee Sim le Fee Sim le Fee Sim le Fee Sim le Fee Sim le Site 8.74 acres 11.74 acre -15,000 11.09 acre -11,750 10.02 acre -6 400 View Street/Woods SVeetlWoods StreeUFields StreeUFields Desi n S le Farmhouse Farmhouse Farmhouse Farmhouse Duali of ConsWClion FramelAv Frame/Av FramelAv FramelAv Actual Age 100+ Years 100+ Years 100+ Years 100+ Years Condition Avera e E ual E ual Inferior +10 OOD Above Grade Total Bdrms. Baths Total Bdnns. Baths Total Bdrms. Baths Total Bdrms. Baths Roam Courd 8 4 1.5 6 3 1 +2 000 6 3 1 +2 000 7 3 1.5 Gross Livi Area 1,510 sq.tt. 1 680 sq.ff. -2 550 1,816 sq.tt. -4 590 2,123 sq.ff. -9 195 Basement 8 Rnished Rooms Bebw Grade 572 Sq.Ft. Unfinished Equivalent Unfinished Equivalent Unfinished Equivalent Unfinished Functional Uliii Avera a Avera a Avera a Avera e . Heatin Conlin FWA1None HtW[rlNone FWA1None HtWtr/None ,• Ener Efficient hems Avera e E ual E ual E ual Gars e/Carport 2+ Car Gara a Off Street +4,000 3 Car Gara a -2 000 2 Car Gara e - ParchlPatiolDeck Porches Porches Porches Porches • Other Bam, Outbld Barn, Outbld Bam Outbld Bam +4,000 • NetAdusiment Dial + - $ 11550 + - $ 3660 + - $ 1 595 Adjusted Sale Pdce ` of Com ambles '! Net Adj. 3.6 % Gross Ad'. 7.3 % $ 309 450 Net Adj. 1.3 % Gross Ad'. 14.0 % $ 292 660 Net Adj. D.5 % Gross Ad'. 9.9 % $ 298 405 I did did not research the sale or transfer history of the subject grope and comparable sales. If not, explain M research did did not reveal an dor sales or transfers at the subject ro ed for the three ears rior to the effective date N this a sisal. Data Sources Courthouse records M research did did not reveal an rior sales or Vansfers of the com arable sales for the ear rior to the date of sale of the com arable sale. Data Sources Courthouse records R ort the resuhs of the research and an sis at the rior sale or transfer histo of the subject roe and cam arable sales re ort addiBonal rior sales on a e 3 . ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3 Date of Prior Sale/fransler None None None None Price at Pdor SalelTransfer NA NA NA NA Data Sources CH Records Courthouse Records Courthouse Records Courthouse Records Effective Date of Data Sources 7/16/2007 7/16/2007 7/1612007 7/16/2007 Ana sis of rior sale or transfer histo of the subject ro art and com a rable sales The sub act has not transferred within 3 ears. The com arable sales have not transferred more than those noted in the sales com orison rid within the ast ear. Summa of Sales Com orison A roach Sales similar to the sub'ect were ve limited. After a search of available market data the three closed sales dis la ed are considered to be the best indicators of value. E andin the search radius to a distance realer than one mile roduced sales that are in the sub'ect's market. Sale #2 inferior location due to roxim' to the Greater Harrisbur Area. Ad'ustments were made to reflect market reactions to those items of si niFicant variation between sub'ect and com ambles. Sale #3 inferior condition due to needin u radeslmaintenance. Minimal GLA difference ad'ustmenls due to economies of scale. All com ambles were wet hied and considered. Indicated Value b Sales Com orison A roach $ 300 000 Indicated Value by: Sales Com orison Approach S 300 000 Cost Ap roach (if developed) $ Income Approach (if developed) $ Due to the lack of uali and uantil of rental data the Income roach is not a ro riate. Due to the chronolo ical and effective a es the Cost roach is not considered valid. Greatest wet ht is iven to the Sales Com orison A roach as it reflects the t ical actions of bu ers and sellers _ in the market lace. - This appraisal is made ®"as is", ^ subject to completion per plans and specifications on the basis of a hypothetical condigon that the improvements have been completed, ^ subject to the following repairs or aherations on the basis of a hypothetical condition chat the repairs ar alterations have been completed, or ^ subject to the • IoBowin re wired ins action based on the extraordina assum lion that the condikon or tle(icienc does not re wire aheratian or re air: See a raiser's certification and statement of limitin conditions. Based on a complete visual inapeclion of the Interior and exterior areas of the subject propertqq, defined scope of work, statement of assumptions and limiting conditions, and appraiser's ceAdlcatron, my (our) opinion of -he market value, as defined, of the real propeAy that is the subject of this report is S 300,000 as of Jul 6, 2007 which is the date of ins action and the effective date of this a raise/. Freddie Mac Form 70 March 2005 Page 2 of 6 Fannie Mae Form 1004 March 2005 Form 1(104 - "TOTAL for Windows° appraisal software by a la made, inc. -1-800-ALAMODE 7- 1 P # Uniform Residential Appraisal Report FileN 7-2155Rosstown Descri lion of the sisal ProcesslSco a of W ork The a sisal rocess is intended to "describe the extent of the rocess of collectin confirmin and re ortin data.' In order to re are an a sisal re ort on the sub'ect roe the followin sle s were involved: The sub'ect site and nei hborhood were ersonal ins acted b the a raiser. The ins action considered the various local economic indicators with res act to their otential im act on the sub'ect site. The siren ihs and weaknesses of the eneral econom were wei had as the affect the value of the sub act. All relevant facts related to the sub'ect were collected and verified includin but not limited to zonin utilities land and buildin area restrictions encumbrances easements environmental factors and other items of a similar nature deemed a licable• No buildin tans were available. The buildin s uare foots a was derived from actual measurement and the existin assessment records in order to determines uare foots e. A hi hest and best use anal sis was com tared. The Cost Sales Com arison and Income A roaches to value were considered and the Sales Com arison roach was used in the valuation of the sub'ect ro e • Data was collected Burin this rocess from various sources. This information is believed to be reliable and verificatron of sales data included reliance on coon deed records and/or third- a confirmations. The a raiser has no reason to sus act inaccuracies in an information rovided and the anal is and conclusions are based on the reliabili of this information. The a raiser is not an a art in ident' n mold mildew lead base aint nor asbestos. If the client has a concern then I siron I recommend the client contact an a art in the environmental and/or home ins action fields . If an estimated value or sales rice was included either on the a sisal re oast form or verbal) from an a involved in the transaction, the value rovided had no influence on m final estimate of value. COSTrARPROACH;iO:VALUE(not`re aired "Eithoie`Mae) -' Praviee ace uare information for the lenderlclient to re iicate the bebw cast fi ores and calculations. Su ort for the o inion of site value summa of com arable land sales or other methods for estimatin site value ESTIMATED REPRODUCTION OR REPLACEMENT COST NEVJ OPINION OF SITE VALUE.........._.........._............_....__...._._........_....... _$ Source of cost data DWELLING S .Ft. @ $ _$ Ouali ratio from cost service Effective date of cost data S .Ft. $ _$ Commends on Cost A roach ross Irvin area calculations, de reciation, etc. _$ The Cost roach will enerall result in an excellent estimate of value if Gara elCa art S .Ft. $ _$ the buildin is new or reasonabl new and the im rovements reflect the Total Estimate of Cost-New =$ - ---.. hi hest and best use of the of the land. However when items of h sisal Less Ph sisal Functional Fxtemal de reciation and obsolescence must be estimated an area of'ud ement De reciation =$ is involved which is sub'ect to error. The Cost A roach was not utilized De resisted Cast of Im rovements .................................................... _$ due [o the chronolo ical and effective a es. °As-is" Value of Site Im rovements .................................................... _$ Estimated Remaining Economic Lile HUD and VA onl Years INDICATED VALUE BY COST APPROACH _........___ ................._._.._,.,_ _; _ INCOME APPROAOHTO VALUE (not required by Eannfe Mae) Estimated MonW Market Rent $ NA X Gross Rent Matti tier NA = $ Indicated Value b Income A roach Summa of Income A roach mclutlin su ort for market rent and GRM Due to the lack of uall and uanti of rental data the Income roach is not a ro riate. sPROJECTiN60RMATIONFOR'RUDe,(ifa liable) Is the tleveb erNuilder in control of the Homeowners' Association OA ? Yes No Unit e s ^ Detached Attached Provide the talbwin information for PUDs ONLY if the develo er/builder is in control of the HOA and the sub'ect roe is an attached dwellin unit. Le al Name al Pro'ecl NA _ Total number of hases Total number of units NA Total number of units sold Total number of units rented Total number of units for sale NA Data source s - Was the ro'ect created b the conversion of exisfin buildin s into a PUD? Yes ^ No II Yes, date of conversion. Does the ro'ecl contain an multi-dwellin units? Yes No Data Source NA Are the units, common elements, and recreabon faclllUes com fete? Yes No I(No, describe the status of cam lelion. NA Are the common elements leased to orb the Homeowners' Association? Yes No II Yes, describe the rental terms and o lions. NA Describe common elements and recreational Iacllifies. NA Freddie Mac Form 70 March 2005 Page 3 of 6 Fannie Mae Form 10D4 March 2005 Form 1 OD4 - "TOTAL (or Windows" appraisal software by a b mode, inc. -1-80D-ALAMDDE F 7-21 n P # Uniform Residential Appraisal Report File# 7-2155Rosstown This report form is designed to report an appraisal of a one-unit property or a one-unit property wish an accessory unit including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certiiications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to this appraisal report, such as those required by !aw or chose related to the appraiser's continuing education or membership in an appraisal organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the tender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a Lair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the pdce is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seNer are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4} payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. "Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions, Special or creative financing adjustments can be made to the comparable property by comparisons to financing terns offered by a third party institutional fender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount oT any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the totfowing assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be performed in a professional manner. Freddie Mac Form 70 March 2005 Page 4 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a is mode, ine. -1-8(?0-ALAMODE FI Uniform Residential Appraisal Report Filea 7-2155Rosstown APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I performed a complete visual inspection of the Interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. 1 identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I pertorrrled this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. i developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. I researched, vedfled, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject properly and the comparable sales. 10. I vedfled, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and expedence in appraising this type of property in this market area 12. i am aware of, and have access to, the necessary and appropriate public and pdvate data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. 1 have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed dudng the inspection of the subject property or that I became aware of dudng the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketabliiiy of the subject property. 15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report, and i have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or opinion of market value In this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for pertorming this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the pertormance of this appraisal or the preparation ei this appraisal report, I have named such individual(s) and disclosed the specific tasks performed In this appraisal report. I certify that any individual so named is qual(fied to perform the tasks. I have not authodzed anyone to make a change to any item In this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for It. 20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Freddie Mac Form 70 March 2005 Page 5 of 6 Fannie Mae form 1004 March 2005 form 1004 -"TOTAL for windows" appraisal software by a la mode, inc. -1.800-ALAMODE I # Uniform Residentiaj Appralsai lieport FIIeN 7-2155Rosstown 21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the Distdct of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. I am aware that any disclosure or distdbution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Processional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or Its successors and assigns, mortgage insurers, govemment sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the Contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER Signature '~.. Name Brett Lechthaler PA State Cert Gen Appr Company Name Appraisal solutions Company Address 16 son .luau Drive Mechanicsburn PA 17055 Telephone Number 717-6s7-1628 Email Address blechthaler@comcast.nel Date of Signature and Report July 16, zoo? Effective Date of Appraisal July 6 2007 State Certification # GA-oo35sa or State License # or Other (descdbe) State # State PA Expiration Date of Certification or License sl30lz0os ADDRESS OF PROPERTY APPRAISED 2155 Rosstown Rd Lewisberry PA 17339-9194 APPRAISED VALUE OF SUBJECT PROPERTY $ 300,000 LENDER/CLIENT Name Charles E Shields III Company Name Estate of Joseph L Hursh Jr. Company Address clo Chades E. Shields III 6 Clouser Rd, Mechanicsburg PA 17055 Email Address SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name . Company Address Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License SUBJECT PROPERTY ^ Did not inspect subject property ^ Did inspect extedor of subject property from street Date of Inspection ^ Did inspect interior and exterior of subject properly Date of Inspection COMPARABLE SALES ^ Did not inspect exterior of comparable sales from street ^ Did inspect exterior of comparable sales f rom street Date of Inspection Freddie Mac Form 70 March 2005 Page 6 of 6 Fannie Mae form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal sohware by a la mode, inc. -1.800-ALAMOOE F - n 1 Supplemental Addendum File No. 7-2155Rosstown Borrower Client NA Pro ert Atltlress 2155 Rosstown Rd Ci Lewisbe Coun York State PA Zi Code 17339-9194 Lender Estate of Jose h L Hursh, Jr. SPECIAL LIMITING CONDITIONS: This appraisal is not a home inspection and the appraiser is not acting as a home inspector when preparing the report. When performing 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 obstructs access or visibility. The inspection is not technically exhaustive. The inspection does not offer warranties or guarantees of any kind. SUPPLEMENTAL CERTIFICATIONS: 1 certify that: -This appraisal was prepared by Brett Lechthaler for the exclusive use of Estate of Joseph L Hursh, Jr., client, to estimate market value in terms of cash or financing similar to cash for the client's explicit use. The information and opinions contained in this appraisal set forth the appraiser's best judgement 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 the sole responsibility and at the sole risk of the third party. Mr. Lechthaler accepts 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 90 days. - In my opinion the reasonable market time linked to the value opinion is up to 150 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, opinion, and conclusions are limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. - t have no present or prospective interest in the property that is the subject of this report, and no personal interest with respect to the parties involved. - I have no bias with respect 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 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 been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice. - No one provided significant professional assistance to the persons signing this report. - Brett Lechthaler personally inspected the property and prepared this report. Sincerely, Brett Lechthaler, PA State Certified General Appraiser form TADD - "70TAL for Windows" appraisal sotlware by a la mode, inc. -1-800•ALAMODE F 7- # Location Map Borrower Client NA Pro erl Address 2155 Rosstown Rd Ci Lewisbe Coun York State PA Zi Code 17339-9194 Lender Estate of Jose h L Hursh, Jr. t i II ~ vi ,apywnerraara~r _.. a ~•,^° _ - / 1YM F ~ ~ - ...... ~.,.,~ N ~ ~~rA ...... - ^~~+ F. Z U t.Nrt I ( ~ / •-~'p_ •' ~ Z'6~ Yy i 1 i ~ a 1 r V Mrp~ it -• f ' ! -- tv ~ ' e 4 + ) ~-. ' +y -. ~~- ~ • of I . r ~~ e .~~ ~.~- `-- ; ~ i ~a 6 45 ~ l ~ ~ I t ~ J-.... X ~ ~ _ ~ ,, '~ 1 1~ 4 iB. I Irmm ~2.. ~ ~ ~ .~ 5 I ` ' ;b , MM ~1 1 ~ t ~ ". ~ ~ ~ ~~ ~ ~ 1 _ `A~. ¢tyy / ra r.k ~~~ j ~; r- ~ r ~ t ~l v~p~y ~, / ' nre ~sa~ ~{ , t ~ ~ ~ i ~/ ~ _. '~ ~ _ f1 ~ . T~ _ ~ , __ f. :.4 ~ ~ ~ - L.. R ~ ~,3~'~Y~ {f.~ a°ro. 1 ~ ,. , ~ ~ 4 oum,°a ~ 1 + -~ ~ ~! ~-N~N,6 Y L V A N ~ ~ ~ L~l y J Ob ` /+ ~ ~ Jj ~ ~l ~_ ~ 4 ` r ~ h ii ~ RrW,d t/_~ Mrtl° ,w, ~ "y t~ l~ ~' i o n K I~ // t. S ° 1 ' 'u ~ ~ : \ - , _. ; , 1, ~' __ .+ / ., , ~ ~>~~'J r -':-~ ~ ~ ~~,~ ,+ k ~ . ~w k g ~ ~~ ` _ ;~ e. / ~ _ _ 1 . - F ~ m 121' ~- ~ ~~ .9.Ne :-..AQ.. 8'" wYWn ~~ l ~\ - 1$ { ~ 3 _, i ,ffi ~ ~ _. tL ~,~ ~ o eu s ~~ .- .._. ~, ~ - fin' r .__".._._~ 1 - a--_ --__ .. - ,.J ~-._ ___ ,..r ".~ __ ~ ~ ~ ~ - ~~ ~ 114 „ ,~i . ~ _ 4a ~~~ _ 3~ g .m°N ,Ir-- uY, 1 ~ ~ ~ ,ww.w.eASwe° .. .__. -( __ - - Form MAP.LDC - °TDTAL for Windows° appraisal software by a la mode, inc. -1-BOD-ALAMODE FI 1 t ,i;t r r r t, . err' D I~ ~ 5 2 _..._., THIS DEED r t~ a-y' ~ 7v1 da of C~ -K T,~ Made the y ~ in the year one thousand nine hundred and ' ninety-three (1993). Between BEVEKLY 3. FULLER a/k)a JOAN FUL I.ER,~itnremarried widow, of Warrington Township, York County, Pennsylvania, Grantor, and , JOSEPH L. HURSI-1, 7R of Upper Allen Township, Cumberland Cuunty, Pennsylvania, Grantee. WITNESSET'H, that in consideration of the sum of ONE HUNDRED SIXTY-FOUR THOUSAND NINE Hl1NDRED ($164,900.00) DOLLARS in hand paid, the receipt whereof is hereby acknowledged, the said Grantor does hereby grant and convey to the said Grantee: ALL THAT CERTAIN tract of land, with the improvements thereon being situate in Watringt_on Township, York County, Pennsylvania, being more particularly tionndeti rind limited as follows, to wit: BEGINNING ar a monument on the northern side of Route ]77 (S.R. 0177) known as the Rosstown Road as shown isr the hereinafter mentioned subdivision plan; thence along hinds now or formerly of L. B. Smith North 37 degrees i4 minutes 20 seconds W est seven hundred forty-four and five hundredths (74A.05) feet to a point; thence continuing along ]ands now or formerly of L. B. Smith North t~ degrees 31 minutes 30 seconds East five hundred fifty-nine and sixteen hundredths (559.16) feet to an iron pin at the southeast comer of lands of Kenneth L. Butler thence along said lands of Kenneth L. Butler South 49 degrees 12 minutes 00 seconds West one hundred ninety-nine and seventy-two hundredths (199.72) feet to an iron pin at the northeast corner of lands of Roger Brownawell; thence along said ]nods of Roger Brownawell South 00 degrees 3] minutes 30 seconds West seven hundred twenty-six and forty-eight hundredths (726.48) feet to an iron pin; thence continuing along the same South 37 degrees 54 minutes 20 seconds East one hundred ninety-two attd sixty-three hundredths (192.63) feet to a monument, thence North 47 degrees 25 minutes 30 seconds East eight (8.00) feet to a point; thence wntinuing along the same South O] degrees 11 minutes 37 seconds East five hundred ninety-six and eighteen hundredths (596.18) feet to a monument nn the northern side of said Route 177; thence along the norlhem side of said Route 177 North 46 degrees 13 nunutes 30 seconds East six hundred fifty-five and thirty-two hundredths (655.32) feet to a monument on the northern side of said Route 177, the said point being the place of BECi1NNING. CONTAINING 8.7383 acres and being described according to Ute Final Subdivision Plan for loan Fuller, as recorded in the Office of the Recorder of lleeds in and for York County, Commonwealth of Pennsylvania> in Plan Bonk LL, Page 767. BEING n part of the satnc premises which Mary R. Smith, by her Attorney-in-Fact William H. Smith and William H. Smith, Executor of the Estate of Clark R. Smith by Indenture bearing the date of February 19, 1987 and recorded. in the Office of the Recorder of lleeds, in and for York County, Pennsylvania on Febnrary 24, 1987, in Record Book 94-W, Page 374, grunted and conveyed to .Paul J. Fuller and Beverly J. Fuller, husband and wife. The stud Paul J. Fuller died on February 26, 1987 whereupon full and complete title vested in the said Beverly J. Puller by operation of law incident to property hcid as tenants by the entireties. Form SCA -'TOTAL for Windows" appraisal software by a la mode, inc. -1-8DD-ALAMODE Building Sketch (Page - 1) Borrower Client NA Pro er1 Address 2155 Rosstown Rd Ci Lewisber Coun York Sfale PA Zi Cotle 17339-9194 Lender Estate of Jose h L Hursh, Jr. t t.oo, zz.oo' °o 6.00' IV '11.00' - lV First Floor ~ Second Floor Basement N 22.Orr' 22.00' Comments: Lode AREA CALCULATIONS SUMMARY Description Size Net Totals GLA1 First Floor 78B. DODO 788.0000 GI.A2 Second Floor 722.0000 722.0000 aSl9T Baeement 572.0000 572.0000 TOTAL LIVABLE (rounded) 1510 LIVING AREA Breakdown BREAKDOWN SD6totals First Floor 6.00 x 14.00 84.OOD0 22. OD x 32.00 704.0000 Second Floor 8.00 x 22. D0 176. D000 3.00 x 4.00 12.0000 0.5 x 2.00 x 3.00 3.0000 0.5 x 2.00 x 3.00 3.0000 12.00 x 22.00 264.0000 12.00 x 22. OD 269.0000 8 Calculations Total (rounded) 1510 Form SKT.BItlSkI - "TOTAL for Windows" appraisal software by a la mode, inc. -1-8BD•ALAMODE Flood Map Borrower Client NA Pro a Address 2155 Rosstown Rd C Lewisbe Caun York State PA Zi Code 17339-9194 Lender Estate of Jose h L Hursh, Jr. ~, Prepared for: InterFlood~~ Appraisal Solutions (717)697-1828 C'.9r wnwmodo 2155 Rosstown Rd www.interflood.com • i-8D0-252-6G33 Lewisberry, PA 17339 / \, / // 1~ ~ /~ :~1 ------ / ~ ~i~ / ~ 20NE C ~~_ `\\ ~~~oo P ~ ~ ~ ~ .~ / i ... / "~ ~-Wi 'n`\\\ ~~ ~~'l `~ , 11~ _~ ` FLOODSCAPE ~ % ~~ Fbod Hazards Map ~\ / ~~ \\ / Map Number 42223200108 ~ \ ~ ~ ~ C-ffective Date ~ //// ~ ~ / March 16,1983 / ~/ // ~'~/ ~ // // // b ~/ !~~ f /~ / ~~ ~~ For more information above ~ // /~ ' ` ~,~~ flood zones and Hood insurance, aomaa: 71 _ // ~' \ I / / ~ I 0' SOD' /tODO' 150D' 2000' II Powered by FbodSource 677.77.F1000 www.lloodsoun:e.com ©19gg~2g67 SouroeProse andbr FloodSouroe Corporations. PII rights reserved. Patems 8,631,328 and 8,678.816. Other patents pending. For Into: into@floodsouroe.oom. Form MAP.FLOOD - "TOTAL for Windows" appraisal software by a la mode, inc. -1-8IX1-ALAMODE F 7- P Subject Photo Page Borrower Cbeni NA Pro a Address 2155 Rosstown Rd Ci Lewisbe Cou York Slate PA Zi Code 17339-9194 Lender Estate of Jose h L Hursh Jr. Subject Front 2155 Rosstown Rd Sales Price Market Value Gross Living Area 1,510 Total Rooms 8 Total Bedrooms 4 Total Bathrooms 1.5 Location Average View Street/Woods Site 8.74 acres Quality FramelAvg Age 100+ Years Subject Rear Subject Street Form PIC3x5.SR - "TOTAL for Wintlows' appraisal software by a la mode, inc. -1.800-ALAMODE F P # Subject Photo Page Borrower Ckent NA Pro ert Address 2155 Rosstown Rd Ci Lewlsbe COUn York Slate PA ZI Cotle 17339-9194 Lender Estate of Jose h L Hursh, Jr. Secondary Structure 2155 Rosstown Rd Sales Price Market Value Gross Living Area 1,510 Total Rooms 8 Total Bedrooms 4 Total Bathrooms 1.5 Location Average View Street/Woods Sfte 8.74 acres Quality Frame/Avg Age 100+ Years Barn Garage Form PIC3x5.SR -"TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE 7- # Subject Photo Page Borrower CGenl NA Pro ert Address 2155 Rosstown Rd Ci Lewisbe C un York Slate PA 2i Code 17339-9194 Lender Estate of Jose h L Hursh Jr. Dry Pond 2155 Rosstown Rd Sales Price Market Value GroSS Living Aroa 1,510 Total Rooms 8 Total Bedrooms 4 Tolal Bathrooms 1.5 Location Average Yew StreeUWoods Slle 8.74 acres Quality Frame/Avg Age 100+ Years Landscape Pond Knob 8 Tube Wiring Form PIC3x5.SR -"TOTAL for Windows' appraisal software by a la mode, inc. -1-SOD-ALAMODE Comparable Pboto Page -1 w Borrower Client NA Pro ert Address 2155 Rosstown Rd Ci Lewisbe Cou York State PA Zi Code 17339-9194 Lender Estate of Jose h L Hursh Jr. Comparable 1 220 Andersontown Rd Prox. to Subject 4.28 miles Sale Pdce 321.000 Gross Living Area 1,680 Total Roams 6 Total Bedrooms 3 Total Bathrooms 1 Location Average View Street/Woods Site 11.74 acre Duality Frame/Avg Age 100+ Years File Photo Comparable 2 145 Ridge Dr Prox. to Subject 9.96 miles Sale Pdce 289,OOo GroSS Living Area 1,816 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1 Location Inferior View StreeUFields Site 11.09 acre Duality Frame/Avg Age 100+ Years File Photo Comparable 3 1632 York Rd Prox. to Subject 12.46 miles Sale Pdce 300,000 Gross Living Area 2,123 Total Rcams 7 Total Bedrooms 3 TatalBathrooms 1,5 Laca6on Average View StreeUFields Site 10.02 acre Duality Frame/Avg Age 100+ Years File Photo Eorm PIC3x5.CR - "TOTAL for Windows` appraisal software by a la made, inc. - 7 -80g-ALAMODE Fit 7- 1 #1 Curnmumrealtll of I'ennsylvnnin I/epn rlmall or 5hdc Jturenu of Pndessional nnl) (JCCUpntiunnl Affairs .Certlfiotl General Appraiser Ccrtifirntc'Nnmbnr Expiration Dntc GA003594 06!30/2009 Certificate titntus Active BRETT WESLEY LECHTHALER 16SAN JUAN DRIVE MECHANICSBURG PA 17055 BRETT WESLEY LECHTHALER 16 SAN JUAN DRIVE MECHANICSBURG PA 17055 93 HEAD THE FOLLOWING N=CRMATION CAnEniLLY rA~VCCRIJINC YOUR L CENSF: !. SIDIJ 7HC 1YALLm CARD AN'~ CERTIFICATC VAiFR[ INILCATED. '... DLTACI I TM~ WALL.I Cr1R0 ANR GEHIIFICATE AI YEHhUHA71UN. Registration Code Your registration code is found on the attached wallet card. Use this registration code online lo: renew your license, cltanye your personal or license address, or order duplicate licenses. Visit our website at: www.mvlicense.state oa us First time users will be required to use this reyistratton code to create a user ID and password. Commonwealth of Pennsylvania „ r n ., ,~ Department of State ~- ~ ~!.-} ~;,~ ~y [1 Rurenu of Professional and Occupational Affairs PO I3o>; 2b49 flarrisbur~ I'A 17105-2649 'Certificate TyPc Certificate Status Certified General Appraiser Active 'Initial Certification Datc ,: 06/27/20D7 BRETT WESLEY LECHTHALER Certificate 16 SAN JUAN DRIVE Nmnber MECHANICSBURG PA 17055 GA003594 Expiration Data os~soizoos '^ ~~ ~ 1 I...-. j h- SICIIfA11re Commissioner ur Prufcxsionnl mul Ouagnninu:d Al7oin ~~i Form SCA - "TOTAL for Windows" appraisal software by a la made, inc. - 1-800-ALAMODE FI -11 APPRAISAL OF REAL PROPERTY LOCATED AT: 119 Calder St Harrisburg City, Dauphin County Harrisburg, PA 17102-2621 FOR: Estate of Joseph L Hursh Jr. c/o Charles E. Shields III Mechanicsburg, PA 17055 AS OF: July 9, 2007 BY: Appraisal Solutions Brett Lechthaler, PA Certfied Residential Appraiser 16 San Juan Drive Mechanicsburg, PA 17055 Form GA6 - "TOTAL for Windows" appraisal software by a la mode, inc. -1 •B00-ALAMODE July 17, 2007 Appraisal Solutions 16 San Juan Drive Mechanicsburg, PA 17055 Phone: 717-697-1828 Fax :717-697-0220 Dear Sirs: The accompanying summary appraisal report is based on an inspection of improvements, investigation of the subject neighborhood area of influence, and review of sales, cost, and income data for similar properties. This appraisal has been made with particular attention paid to 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 effective date as stated in the body of the appraisal, and contingent upon the certification and limiting conditions attached. Please do not hesitate to contact me if I can be of additional service to you. Respectfully, Brett Lechthaler, PA State Certified General Appraiser Form DCVR -"TOTAL for Windows" appraisal software by a la mode, inc. -1-SDD-ALAMODE F 7- SUMMARY OF SALIENT FEATURES Subject Address 119 Calder St Legal Description Deed Book 1683 Page 599 City Harrisburg County Dauphin State PA Zip Cade 17102-2621 Census Tract 0204.00 Map Reference ADC: 10TH-7 Sale Price $ NA Date of Sale NA Borrower / Cliem NA Lender Estate of Joseph L Hursh Jr. Size (Square Feet) Price per Square foot $ Location AVERAGE Age 100+ YEARS Condifion FAIR Total Rooms 9 Bedrooms 4 Baths 2 Appraiser Brett Lechthaler, PA State Cert Gen Appr Date of Appraised Value July 9, 2007 Final Estimate of Value $ 88,000 Form SSD - "TOTAL for Windows" appraisal software by a la made, inc. -1-800-ALAMODE Appraisal Solutions (717)697-1828 F - P 4 Small Residential Income Property Appraisal Report F;;a~ m_„4r wog Ttn; u ose of tfds summary raisai report is to ravide the lender/Giant with an accurate, and atl uatel su ported, a inian of the madcet value of the subject property. Pro a Address 119 Calder St Ci Han-isbur State PA Zi Code 17102-2621 Bonower NA Owner of Public Record Jose h L Hursh Jr. Cou Dau hin Le al Descrf lion Deed Book 1683 Pa a 599 Assessor's Parcel # 06-021-008 Tax Year 2007 R.E. Taxes $ 2 271.91 Nei hborhood Name Harrisbur C' 6th Ward Ma Reference ADC: 10/H-7 Census Tract 0204.00 Occu ant Owner Tenard Vacard S eclat Assessments $ None ^ PUD HOA $ NA er ear er momh " Pro Ri Ms A raised fee Si le Leaselwld Other describe Asst nmem T e Purchase Transacfion Refinance Taansac0on Other describe Market value Lender/Client Estate of Jose h L Hursh Jr. Address Go Charles E. Shields III 6 Clouser Rd Mechanicsbur PA 17055 Is the subject roe curve efered for sale or has R been offered for sale in Ure twelve months dor to the effective date at this a raisai? Yes ®No Re orf data sources used, offerin rice s ,and dates . The Multi le Listin Service. I ^ did ^ did not anayze the contract for sale for ffre subject purchase transaction. Explain the results of the analysis of the contract for sale or why the anaysis was not erformed. NA Contract Pdce $ NA Date of Contract NA Is the roe seller tfte owner of ubfic record? Yes Nc Data Sources NA Is there any financial assistance (ban charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf ai the borrower? ^ Yes ^ Nc • If Yes, re orf the total dollar amount and tlescrfbe the items to be aid. NA Note: Race and the rectal com ition otthe net hborhood are not a reisal factors. ei htio haracte tta 2-4Ud Horrsin Trends 2^rIUnRNousiq reseh[L.arldUse% Location Urban Suburban Rural Pro a Values ^ Increasln Stable Declini PRICE AGE One-Unit 85 % Built-Up Over 75% 25-75% Under 25% Demantl/Su p Shona a In Balance Over Suppy $000 rs 2-4 Unit 16 % Growth Ra id Stable Slow Marketin Time Under 3 mites ®3-6 mths Over 6 mites 5 Low 20 Multi-Fami 8 % • Nei hborhood Boundaries The net hborhood boundaries are indicated on the endosed net hborhood ma • 250+ Hi h 100+ Commercial 8 % in the adderxla of this re ort which com rise Harrisbur C' 20-80 Pred. 65-100 Other 3 % • Nei hborhood Desch Lion This net hborhood contains ro erfies refledin similar ual' ,maintenance desi nand marketabili to the sub'ect roe .The sub'ect r e is readll available to all necessa facilities indudin schools em to ant and sho in . Avera a ro e maintenance r rams observed. Em to ant is within 5-30 minute drive from sub'ect roe .The sub~ed net hborhood consists main of residential muhi-fami and ne' hborhood commercial uses. Market Conditions indudin su ort for the above conckuions Sellers are not re wired to offers clot ban discount, interest b downs or financin concessions however seller offered concessions and sales a reements are occurrin for multi-fami ro rties. No rent controls are in effect. Dimensions See endosed le al descri lion Area .029 acre Sha a Rectan ular dew Street S ecific Zonin Ctass'rfication RLB Zonin Description Residential District Toni Com liance ®Le al Le al Nor~ordormin Grandtatheretl Use No Zoning ^ Illegal describe Is the hi hest and best use of subject pro arty as improved or as roposed per tans and spec'rfications the reserd use? Yes No If No, describe Utilities Public Other (describe) Public Other(descdbe) Off-sttelm rovemeMS-Ty Public Private Electric' ® Water ® ^ Street As halt ^ Gas ® Sanita Sewer ® Alley Side & Rear ^ FEMA S clot Fbatl Hazard Area Yes No FEMA Fbotl Zone B FEMA Ma # 4203800002A FEMA Ma Date 51211977 Are the utilities and/or off-site im rovemerds tool for ffre market area? Yes ^ No If No, describe Are there an adverse site conditions or external factors easements, encroachments, environmerdal conditions, land uses, etc. ? ^ Yes ®No tt Yes, describe The sub'ect is located in a flood zone. Standard easements for electric, tale hone etc. There are no other known or a avant adverse easements encroachments or condttions noted. A UUe search has not been com leted and is considered outside the sco a of this re orL General. 'on Foundatan br Descri ion; ~; amaterre 8 condNion Ihterior materials/condilioh Uni[s Two Three Four Concrete Slab Crawls ace Foundation Walls STONFJAVG Floors WD/CPT/V/FAIR Accesso Unit describe bebw Full Basemem Partial Basemerd Exterior Walls BRICK/ALUM/AVG Walls PSTR/PNUAVG # of Stories 2.5 # of bid s.1 Basement Area 624 S .ff. Root Surface RBBFUMETAUAVG TrinVFlnish WOOD/AVG T e Det Alt S-Det./End Unit Basemem Flnish 0 % Gutters 8 Downspouts ALUM/GALVlAVG Bath Fbor NONE/FAIR Existin ^ Pro osetl Under Const. Outside E /Exit Sum Pum Window T e WDSGLHUNG/FAIR Bath Wainscot FBRGLSS/FAIR Desi n S le 2.5 STY-2 UNIT Evidence of ^ Imestation DueToA a Storm Sash/Insulated PARTIAUFAIR CarStor Year Built 1892 ~l Dam ness Settlement Screens PARTIAUFAIR None Effective A e rs 40-50 satin Coolm Amen 'es ,, Ddvewa # of Cars Attic Nane FWA HWBB Radiant Fire laces # Woodstove s # Drivewa Surface Dro Stair Stairs Other BBD fuel OIL&ELEC PafiolDeck fence NO VALU Gara e # of Cars Floor Scuttle Coati Central Air Condflioni Pool Porch Car ort # of Cars ^ Fnished ^ Heated Individual ^ Other Other ^ Ari ^ Det. ^ Built-in ' # of Appliances Refrigerator 2 Range/Oven 2 Dishwasher Disposal Microwave Washer/Dryer Other (describe) FANHOOD Untt # 1 comains: 4 Rooms 1 Bedrooms 1 Baths 697 S ware feet of Gross Livi Area Unit # 2 comains: 5 Rooms 3 Bedrooms 1 Baths 1 059 S uare Feet of Gross Livin Area Unit # 3 comains: Rooms Bedrooms Baths S uare Feet of Grass Livin Area Unh # 4 contains: Roams Bedrooms Baths S uare Feet of Gross Livi Area Additional features s eclat ever efficient hems, etc.. T tool for net hborhood Descrfbe if;e condition of the roe includin needed re airs, deterforation, renovations remodelin ,etc.. The sub'ect roe is a 2.5 sto du iex structure bein used as a two unit buildin .The sub act is in fair to avers a condition. The construction ual' is tool for a e in com orison to com alto ne' hborhoods. The estimated a e is below the actual a e. No economic or functional obsolescence noted. Freddie Mac Form 72 March 2005 Page 1 of 7 Fannie Mae Form 1025 March 2005 Form 1025 - "TOTAL for Windows" appraisal software by a la mode, inc. -1.800-ALAMODE -1 r Small Residential Income Property Appraisal Report Flle# 07-119Calder Are there an sisal deficiencies or adverse conditions ttlat affect the livabili , solndriess, or sUuctural int ri of the ro ? Yes No It Yes, describe. There were observed h sisal deficiencies and adverse conditions that affect the livabili soundness or structural inte ri of the ro rt .The sub' ct is In fair to avers a condition. Does the ro eneral cordorm to the nei hborhood functional util' , s le, condition, use, construction, etc. ? Yes No If No, describe. The ro e .' conforms to the surroundin nei hborhood. Is the roe subject to rent cordrol? Yes Na If Yes, describe The roe is not sub'ect to rent control. The folbwing properties represent ifie most current, similar, and pro>omate comparable rerrtal properties to the subject property. This analysis is intended to support the opinion of the markM rent for the subject property. FEATURE SUBJECT COMPARABLE RENTAL # 1 COMPARABLE RENTAL # 2 COMPARABLE RENTAL # 3 Address 119 Calder St Harrisbur PA 17102-2621 709 N 2nd St Harrisbur PA 220 Forster St Harrisbur PA 222 Reify St Harrisbur PA Pf07dm1 to Sub'ect _ ___ %x.45 miles _ - 0.33 miles T 0.11 miles - - Current MoMhl Rerd $ I $ 1 350 , $ 1 200 ~ ' - $ 1 050 Rent/Gross Bld .Area $ s .ft i $ 0.80 s .ft. $ 0.56 s .ft. $ 0.49 s .tt. Rent Control Yes No Yes Nc Yes No Yes No Data Sources INSPECT-MLS MLS MLS MLS Date of Leases NA MONTH TO MONTH MONTH TO MONTH MONTH TO MONTH Location AVERAGE AVERAGE AVERAGE AVERAGE Actual A e 100+ YEARS 100+ YEARS 100+ YEARS 100+ YEARS Condition FAIR AVERAGE AVERAGE AVERAGE . Grass Buikli Area 1 75 1 678 2 160 2 136 ~~ Unit Breakdown Rm Count Slze Sq. Ft Rm Count Sue Sq. Ft Momhry Rent Rm Count Size Sq. FL Monthly Rerd Rm Caurd Size Sq. Ft Monthy Rerd Tot Br Ba 1 756 Tot Br Ba 1,678 1,350 Tot Br Ba 2 180 1,200 Tot Br Ba 2 136 1,050 Unh # 1 4 1 1 697 3 1 1 878 $ B00 3 1 1 900 $ 525 3 1 1 750 $ 475 • Unh # 2 5 3 1 1 059 5 3 1 1 000 $ 750 6 3 2 1 260 $ 675 5 3 1 1,386 $ 575 Unit # 3 $ $ $ Unit # 4 $ $ $ Uti6tieslncluded Unknown HeaUWtr/Swrffrsh Wtr/Swr/Trsh Heat/Wtr/Swrrl'rsh Anlrysis of rental data and support for estimated market rends for the individual subject units reported below (including the adequacy of the comparables, rental concessions, etc. Units uare foots a estimates were obtained from either ins action MLS or from ceun records. The cem ambles are all listi slsales in the sub'ecPs market area. None of the com ambles units had rental concessions offered to tenants. All cem ambles are in su anion cend'dion and the sub'ect is assumed to have been renovated to similar cond'nion. All the units of the sub'ect and com ambles are urrfumished a artments. R~li Schedule: The appraiser must reconcile the applicable indicated monody market rents to provide an opinion of the market nerd for each unh in the subject property. L~sPS Achtal'Rents Opinion ofMarketRertt Lease Date Per Unit Total Per Unit Total Unft # 8 in Date End Date Urdurnishetl Furnished Ren<s Urdurnished Furnished Rents 1 Unknown $ $ $ $ 500 $ $ 500 2 Vacant 675 675 3 4 Comment on lease data No lease information Total Actual Mordh Rent $ Total Gross Month Rent $ 1 175 was rovided to the a raiser. Other Monlh Income itemize $ Other Mordh Income mize $ 0 Total Actual Mordh Income $ Total Estimated March Income $ 1,175 .. Utikties included in estimated rents Electric Water Sewer Gas Oil ®Trash cdlection Cable ^ Other Comments an actual or estimated rents and other momh income rncludin personal grope Estimated rents were utilized. The lessor will be res onsible for water/sewer/trash which is common for the market area. I did did not research the sale or transfer histo of the sub'ect roe and co arable sales. If not, ex lain M research did did not reveal an don sales or transfers of the subject roe for the three ears rior to the effective date of this a sisal. Data Sources Public Records M research did did not reveal an rior sales or transfers of the co arable sales for the ear rior to Ure date of sale ai the com arable sale. • Data Sources Public Records R ort the resoles of the research and ana sls of the rior sale or transfer histo of the subject roe and com arable sales re rt additional rior sales on a e 3 . ITEM SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 . Date of Prior Sale/Transfer NONE 10106 8 2107 10/06 8 2/07 NONE , Pdce of Pdar Sale/Transfer NA 345K 8 72 500 345K 8 72 500 NA • Data Sources PUBLIC RECORDS PUBLIC RECORDS PUBLIC RECORDS PUBLIC RECORDS Effective Date of Data Sources 7/17/2007 7/17/2007 7!17/2007 7/17/2007 Anal sis of rior sale ar transfer histo of the subject roe and com arable sales Prior sales of the sub'ect roe have not occurred within the ast three ears. All rior sales of the com arable sales occurred more than one ear a o other than noted. Freddie Mac Form 72 March 2005 Page 2 of 7 Fannie Mae Form 1025 March 2005 Farm 1025 - "TOTAL for Windows" appraisal software by a la mode, inc. -1.800-ALAMODE F 7- I r Small Residential Income Property Appraisal Report File# 07-119Calder There are 7 com arable ro erfies Curren offered for safe in the subject net hborhootl ran in in rice from $ 119 000. to $ 179 900 There are 12 com arable sales in the subject net hborhaod within the art twelve morrfhs ran in in sale rice from $ 63 500. to $ 134 900. FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 119 Calder St Harrisbur PA 17102-2F21 222 Reily St Harrisbur PA 224 Reiy St Harcisbur PA 111 Boas St Harcisbur PA Pro>omi to Sub'ect __ _ - - ` 0.11 miles _ _ 0 11 mdvs - ~ n 2s miles ~ T -_ Sale Price NA $ ~ _ ~ $_ 87.500 T _ ~ ~ - $ g7 50r~ -_ $ __12_4.900 - Sale Price/Gross Bld .Area Gross Mora Rent GrossRerdMutti tier Price er Unit $ s .ft. $ 1 175 $ $ 40.96 s .tt~~ ~ i $ 39.85 s .tt. $ 1 05G ~ $ 1 050 83.33 83.3: $ 43 750 $ 43 750 _ _ 4 $ sa.25 sq.ft ~ $ 1 1751 ~_~ ~ $ 62,4501 -- ---- ~_ Pdce er Room $ $ 10 938` $ 10 938 _ _ ' $ 15 613 _ Pdce er Bedroom $ $ 21 875 _ _~_ ' $ 21 875 `__ $ 41 633; __ Rent Control Yes ~ No Yes No ^ Yes No Yes No Data Source S i MLS MLS MLS Verification Sources PUBLIC RECORD ` S PUBLIC RECORD S PUBLIC RECORD S VALUEADJUSTMFIJTS DESCRIPTION rIESCR!?-10 rJ +- Ad'usbnera DESCRIPTION +- Ad'ustment DESCAiPTiON +- Ad'ustrnera Sale or Rnanrdng Concessions _ (CONVENTIONAL !PACKAGE 0 +5,000 CONVENTIONAL PACKAGE 0 +5 000 CONVENTIONAL NONE REPORTD 0 0 Date of SaleRme _ _ 1 6/2007 73 DO 0 6!2007 73 DOM 0 8!2006 79 DO 0 Location _ AVERAGE SIMILAR 0 SIMILAR 0 SUPERIOR -10,000 Leasehald/Fee Sim le FEE SIMPLE FEE SIMPLE 0 FEE SIMPLE 0 FEE SIMPLE 0 Site .029 acre 0.03 ACRE 0 0.03 ACRE 0 0.03 ACRE 0 Yew Street SIMILAR 0 SIMILAR 0 SIMILAR 0 Desi n S le • Oual' of Constmction 2.5 STY-2 UNIT AVERAGE 2.5 STY-2 UNIT AVERAGE 0 0 2.5 STY-2 UNIT AVERAGE 0 0 2.5 STY-2 UNIT AVERAGE 0 0 Actual Age 100+ YEARS tOD+ YEARS 0 100 YEARS 0 100 YEARS 0 Condition FAIR SUPERIOR -4 000 SUPERIOR -4 000 SUPERIOR -15 000 Gross Builtlin Area 1 75 2 13 -3 790 2 19 -4,390 1,94 -1 870 • Unit Breakdown Total Bdrms Baths Total Bdtms Baths Total Bdrms Baths Total Bdrms Baths Unlt # 1 4 1 1 3 1 1 0 3 1 1 0 3 1 1 0 Unit # 2 5 3 1 5 3 1 0 5 3 1 0 5 2 2 -2 000 • Unlt # 3 Unit # 4 - Basartert0escdplion 624 S .Ft. EQUIVALENT 0 EQUIVALENT 0 EQUIVALENT 0 Basement Fnished Rooms NONE NONE 0 NONE 0 NONE 0 Functional Utif AVERAGE SIMILAR 0 SIMILAR 0 SIMILAR 0 Heatin Coolin HTWTlBBDINON EQUIVALENT 0 EQUIVALENT 0 EQUIVALENT 0 Ener Efficient Bems Parki tAVOff Site STANDARD/AGE ON STREET STANDARD/AGE ON STREET 0 0 STANDARD/AGE ON STREET 0 0 STANDARD/AGE ON STREET 0 0 Porch/Patio/DeCk PORCHES PORCHES 0 PORCHES 0 PORCHES 0 Net Ad'usbnem Dial - + - - $ 2 790 ^ + ®- $ 3,390 + ®- $ 28 870 _ Adjusted Sale Price 1 Net 3.2 % of Com ambles Gross 14.6 % $ 84 710 Net 3.9 % Gross 15.3 % $ 84 110 Net 23.1 % Gross 23.1 °k $ 96 030 Adjusted Price Per Una tea. sP canwr ~' of GompUNrs) $ 42 355 $ 42.056 1 ' ' $ 48 015 Adjusted Price Pei Room lea. sv Comnr • °~ rA°n rionms) _ _ _ _ $ 10,589 $ 10 514 __~ $ 12 004 Adjusted Price Per Bedrmlaai. sP ComVr # °I C°mp ae0°oms $ 21 178 $ 21 028 ' $ 32,010 Value er Unit $ 13 000 X 2 Units = $ 26 000 Value r GBA $ 17.00 X 1 757 GBA = $ 29 869 Value er Rm. $ 3 700 X 9 Rooms = $ 33 300 Value er Bdrms. $ 10 000 X 4 Bdrms. = $ 40 000 Summa of Sales Com arison A oath inchrdin reconciliation of the above indicators of value. The 3 Gored sales dis la ed are considered to be the best indicators of value. Ad'ustments were made to reflect market reactions to those hems of si n~cant variation between sub'ect and Dom ambles. No room count ad ustments ass uare foots a ad'ustments are considered reactive of room counts exce tin bath counts. Minimal s uare foots E difference ad'ustments a lied due to economies of scale. All com ambles were wet hted and considered. The ad usted ran a of values for the com ambles is $84 110 to 96 030. Indicated Value b Sales Cam rison A roach $ 88 000 Total ross mo rerd $ 1,175 X ross rent multi tier GRM 85 = $ 99 875 Indicated value b the Income A proach Commeras on income a roach includin recanciaation of the GRM The ross rent muhi tier was tote olated from numerous sources due to most • ro ernes transfercin not bein full rented and/or lackin information to develo a GRM. Indicated Value by: Sales Comparison Approach S 88,000 Income Ap roach $ 99,875 Cost Approach (if developed) $ The Income roach was develo ed but not wet hted. The Cost roach was not utilized in this re ort due to the actual and effective a es of the sub'ect. Greatest wet ht is iven to the Sales Com arison A roach as it reflects the iral actions of b err and sellers in the market lace which is su orted b the Income roach. This appraisal is made ®"as is", ^ subject to temptation per plans and specfticabons on the basis of a hypothetical condition that the improvemeras have been • completed, ^ subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, er ^ subject to the foNowi re wired ins ectian based on the extraordina assum Lion that the condition or deficient does not r wire alteration or re air: Based on a complete visual inspection of the interior and exterior areas of the su ject property, defined scope of work, statement of assumptions and limding condRions, and appraiser's ceK'rfica6on, my (our) opinion of the market value, es defined, of the ref propery that is the subject of this report is $ 88 000 as of Jul 9, 2007 which is the date of ins ion and the effective dale of this a ralsal. Freddie Mac Form 72 March 2005 Page 3 of 7 Fannie Mae Form 1025 March 2005 Form 1025 -'TOTAL for Windows" appraisal software by a la mode, inc. -1.800-ALAMOOE -1 P Small Residential Income Property Appraisal Report ~,~. ~ ~, „~,._,. Descri lion of the raisal Process/Sco of W ork The a raisal rocess is intended to "describe the extent of the rocess of collectin confirmin and re rtin data." In order to re are an a raisal re ort on the sub'ect roe the followin ste s were involved: The sub'ect sde and net hborhood were ersonall ins acted b the a raiser. The ins action considered the various local economic indicators with res act to their tential im act on the sub'ect site. The stren the and weaknesses of the eneral ecenom were we' had as the affect the value of the sub'ect. All relevant facts related to the sub'ect were collected and ver'~ed includin but not limited to zonin utilities land and buildin area restrictions encumbrances easements environmental factors and other items of a similar nature deemed a licable~ No buildi tans were available. The buildi s uare foots a was derived from actual measurement and the existin assessment records in order to determines uare foots e. A hi hest and best use ana is was cem leted. The Cost Sales Com arison and Income roaches to value were considered and the Income and Sales Com arison roaches were used in the valuation of the sub'ect roe Data was collected Burin this rocess from various sources. This information is believed to be reliable and verification of sales data included • reliance on coon deed records and/or third- a confirmations. The a raiser has no reason to sus act inaccuracies in an information rovided and the anal is and conclusions are based on the reliabili of this information. • The a raiser is not an ex art in Identi in mold mildew lead base slot nor asbestos. H the client has a concern then I strop recommend the client contact an ex art in the environmental andlor home ins action fields . tt an estimated value or sales rice was included efther on the a raisal re oast form or verbal) from an art involved in the transaction, the value rovided had no influence on m final estimate of value. COST'APPROACH TO VALUE (not ' wired b Fannie Mae) ' Provide ade uate trdormabon for the lender/ciieM to re )irate the bebw cost fi ores and calculations. Su ort for the o inion of site value summa of co arable land sales or other methods for eslimatin site value NA ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE.__...__.........___......_.._....._......._.___._.._ _$ Source of cost data NA DWELLING 2640 S .FL $ _$ Oual' ratio from cost service NA Effective date of cost data 528 S .Ft. $ _$ = Comments on Cost roach ross livin area calculations, de reciation, etc. =g The Cost roach will eneral) result in an excellent estimate of value if Gara eJCar art S .Ft. @ $ _$ • the buildin is new or reasonabl new and the im rovements reflect the Total Estimate of Cost-New =$ ---._.. hi hest and best use of the of the land. However when items of h sisal Less Ph sisal Functional Fxtemal de reciation and obsolescence must be estimated an area of'ud amen[ De reciation =$ is involved which is sub'ect to error. The Cost roach was not De reCiated Cost of Inv rovements ............._.__.......__............____. _$ utilized due to the chronolo ical and effective a es. 'As-is" Value of Site I rovements ._.._.........____._._.__..........___. _$ Estimated Remaining Economic L0e HUD and VA onl Years INDICATED VALUE BY COST APPROACH ___._.....__ ,__._._.__,_.____....._ _$ PROJECT INFORMATION'FORPUDs('rfa Ilcable) Is the develo er/builder in corrtrol of the Homeowners' Association OA ? Yes No Unit e s ^ Detached ^ Attached Provide the folbwin information for PUDs ONLY if the develo er/builder is in comral of the HOA and the sub'ect ro is an attacf~ed dweNin unit. Le al Name of Pro'ect NA Total number of hases Total number of units Tolal number of units sold • _ Total number of units rented Total number of units for sale Data sources NA Was the ro'ect created b the conversion of existin buildin s irrto a PUD? ^ Yes ^ No If Yes, date of conversion. NA Dces the ro'ect contain an multi-dwenin units? Yes No Data Source NA Are the units, common elemeids, and recreation Tacilities com lele? Yes ^ No Ii No, describe the status of com letion. NA Are the comngn elements leased to orb the Homeowners' Association? ^ Yes ^ No If Yes, describe the rental terms and o [ions. NA Describe common elements and recreational facilities. NA Freddie Mac Form 72 March 2005 Page 4 of 7 Fannie Mae Form 1025 March 2005 Form 1025 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE it -1 sman rleSlaennal Income Property appraisal Report FileN 07-119Calder This report farm is designed to report an appraisal of a two- to four-unit property, including atwo- to four-unit property in a planned unit development (PUD). A two- to four-unit properly located in either a condominium or cooperative project requires the appraiser to inspect the project and complete the project information section of the Individual Condominium Unit Appraisal Report or the Individual Cooperative Interest Appraisal Report and attach it as an addendum to this report. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certrfications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of tttle from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he er she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. *Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily idertbfiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments Can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements, including each of the units. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specrfic arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the Inspection of the subject property or that he or she became aware of during the research involved in performing this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations oT the subject property will be performed in a professional manner. Freddie Mac Farm 72 March 2005 Page 5 of 7 Fannie Mae Form t 025 March 2005 Farm 1025 - "TOTAL for Windows' appraisal software by a la mode, inc. -1-800•ALAMODE FI -1 r P smau rceslaentlal income Nroperry Appraisal Report Fie # 07-, APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that 1. 1 have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I performed a complete visual inspection of the interior and exterior areas of the subject property, including all units. I reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison and income approaches to value. I have adequate market data to develop reliable sales comparison and income approaches to value for this appraisal assignment. I further certify that I considered the cost approach to value but did not develop it, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I vedfied, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. 1 have knowledge and experience in appraising this type of property in this market area 12. I am aware of, and have access to, the necessary and appropriate public and pdvate data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. 1 have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. I identified the lenderlclient in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Freddie Mac Form 72 March 2005 Page 6 of 7 Fannie Mae Form 1025 March 2005 Form 1025 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE 7- P Small Residential Income Property Appraisal Report FileN 07-119Calder 21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; govemment sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraisers (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, govemment sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal, Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER Signature Name Brett Lechthaler, PA State Cert Gen Appr Company Name Appraisal Solutions Company Address 16 San Juan Drive Mechanicsburg PA 17055 Telephone Number 717-697-182& Email Address blechthaler(a~comcast.net Date of Signature and Report July 17, 2007 Effective Date of Appraisal July 9, 2007 State Certification # GA-003594 or State License # or Other (describe) State # State PA Expiration Date of Certification or License s/30/2009 ADDRESS OF PROPERTY APPRAISED 119 Calder St Harrisburg PA 17102-2621 APPRAISED VALUE OF SUBJECT PROPERTY $ 88,000 LENDER/CLIENT Name Charles E. Shields III Company Name Estate of Joseph L Hursh Jr. Company Address Go Charles E. Shields III 6 Clouser Rd, Mechanicsburg PA 17055 Email Address ___ SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name Company Address Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License SUBJECT 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 Freddie Mac Fonn 72 March 2005 Page 7 of 7 Fannie Mae Form 1025 March 2005 Form 1025 - "TOTAL for windows" appraisal software by a is mode, inc. -1-800-ALAMODE 7- I SPECIAL LIMITING CONDITIONS: This appraisal is not a home inspection and the appraiser is not acting as a home inspector when preparing the report. 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 obstructs access or visibility. The inspection is not technically exhaustive. The inspection does not offer warranties or guarantees of any kind. SUPPLEMENTAL CERTIFICATIONS: I certify that: -This appraisal was prepared by Brett Lechthaler for the exclusive use of Estate of Joseph L Hursh Jr., client, to estimate market value in terms of cash or financing similar to cash for the client's explicit use. The information and opinions contained in this appraisal set forth the appraiser's best judgement 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 the sole responsibility and at the sole risk of the third party. Mr. Lechthaler accepts 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 120 days. - In my opinion the reasonable market 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, opinion, and conclusions are limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. - 1 have no present or prospective interest in the property that is the subject of this report, and na personal interest with respect to the parties involved. - I have no bias with respect 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 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 been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice. - No one provided significant professional assistance to the person signing this report. Sincerely, Brett Lechthaler, PA State Certified General Appraiser Eorm DGVR -'?OTAL for Windows" appraisal software by a la mode, inc. -1•SDO-ALAMODE Location Map - 1 I r Borrower Client NA Pro a Address 119 Calder St Ci Harrisbur Coun Dau hin State PA Zi COtle 17102-2621 Lender Estate of Jose h L Hursh Jr. w,*` e` ~ gi ~ '8i `e ~~ ~~$` ~ ~ ~ ~ ~ ~ ry' r~ ~' «~°` "1!. w ~I _-~----~ ~ Form MAP.LOC - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMOOE -11 r P # JRDIJanuary 4, 1992112997 . _,.,,.. _ _~~coo ~ at ~' , ""'`-.: lll?iii) ~~.~±~' _ _ .1-=~ (111 ,.'1~ t ~' '1H15 DEED, made this IOth day of January in the year of our Lord one thousand nine hundred ninety-two (1992) BETWEEN R. BLNTp1V PUR'I'LE and SHELBA J. PUI2TLE, his +vife. ANN C. PACKLER (formerly ANN L'. WGkINEC) and K1M P, TACKLER, her husband, hereinafter called Gruuturs r_. A N n z- ~. --.s - ~:fi r JOSEPH L. HURSII, JR., hereinafter caller) Grantee - ~, ~ ~' i ~'-~ .. co = .~ _ s _ ~ WITNESSEI-IJ: c,~, %- r..: In consideration of the sum of burly-i~our 'Chausand hive Hundred ($d4,500.U0) Dollars, in hand paid. ; receipt whereof is hereby acknowledged, the said Grantors do hereby grant and convey unto the said Grantee: ALL THAT CF,RTAIN tot of land, with buildings thereon erected, situate in the Cit} Of I'iatricf)tl:g. COnntV of Dauphin and Commonwealth of Pennsyh•ania, morn particularly bounded and described as tbllows: BEGINNING at a point u^ the south side of Calder Sweet 112.64 tee[ west of the west side of Second 5u'cet at the western side of a private alley ahrnu three (3) feet wide; thence +vesnvardly along the south side of Gabler Street 14.58 feet to a point; thence southwardly at right angles to Calder Street and llcru the center of a parti[ion wall 86.5 feet, mere or )ess, to the north side o1' a five (5) font wide private alley; thence eashvardly along the north side of said tdlcy; l4.S8 feet to the west side of the above mentioned alley about three (3) feet wide: thence northward)}' along the west side of said a11ey and at ri~tn angles [o Calder Street 86.5 feet, mrn•e or less. w the place of [3EGINNING. WITH the ri~~ht to use in summon with the adjoining property owners the ebuve mentioned three feel and five feet +vide pnvatc alleys- also a private alley shout three R ,.`~..~r1 . ~~' Fofm SCA - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Building Sketch (Page - 1) Borrower Client NA Pro Address 119 Calder St Ci liarrisbur Coun Dau hin State PA Zi Cotle 17102-2621 Lender Estate of Jose h L Hursh Jr. 10.50' 10.50' 10.50' ~ 0 0 N O m ~ 4.0 14.50' o 0 0 'n N o 0 ~ v o m v o Basement g Unit #1 o Unit #2 ~ Unit #2 m ~ n ~ 14.50' 14.50' 14.50' First Floor Second Floor Third Floor swrxey iw Comments: Code AREA CALCULATIONS SUMMARY peseription Size Net Totals GHA1 Unit $1 697.5000 Unit M2 624.0000 1321.5000 GeA3 Unit {2 435.0000 435.0000 HSMT easement 624,0000 624.0000 TOTAL BUILDING (rounded) 1757 BUILDING AREA BREAKDOWN Breakdown Subtotals Unit {i 10.50 x 55.00 577.5000 4.00 x 30.00 120.0000 Dnit {2 10.50 x 49.00 504.0000 4.00 x 30.00 120.0000 11.50 x 30.00 435.0000 5 Calculations Total (rounded) 1757 Form SKT.BIdSW -"TOTAt for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Flood Map i 7-1 I P Borrower Client NA Pro a Address 119 Calder St Ci Han-isbur Cou Dau hin State PA Zi Code 17102-2621 Lender Estate of Jose h L Hursh Jr. Form MAP.FLOOD -'TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Subject Photo Pa4e Borrower Client NA Pro Address 119 Calder St Ci Harrisbur Cou Dau hin Siafe PA Zi Code 17102-2621 Lender Estate of Jose h L Hursh Jr. Subject Front 119 Calder St Sales Price NA G.B.A. 1,757 AgeNcBlt 100+ YEARS Subject Rear Subject Street Form PIC3x5.SC - °TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Comparable Photo Page F 7- Borrower Client NA Pro Address 119 Calder St Ci Harrisbur Cou Dau hin State PA Zi Code 17102-2621 Lender Estate of Jose h L Hursh Jr. Comparable 1 222 Reify St Sales Price 87,500 G.B.A 2,136 AgeJYr. BIL 100+ YEARS File Photo Comparable 2 224 Reify St Sales Price 87,500 G.B.A. 2,196 AgelYr. BIL 100 YEARS File Photo Comparable 111 Boas St Sales Pdce 124,900 G.B.A. 1,944 Age/Yr. Btt. 100 YEARS File Photo Form PIC3x5.CC - "TOTAL for Windows" appraisal software by a la mode, inc. -1-8D0•ALAMODE I -1 r # Commonwealth of Prnnsylvanin Ucpartmcat ol'Statc aureau of Professional and Occupational 1lrairs '.Certified General Appraiser Certificate Number Expirntlon Dnte GA003594 - 06130/2009 Certificate Status Active BRETT WESLEY LECHTHALER 16 SAN JUAN DRIVE MECHANICSBURG PA 17055 BRETT WESLEY LECHTHALER 16 SAN JUAN DRIVE MECHANICSBURG PA 17055 93 ~~~~! ~~~~~~ HtAD THE FOLLOWING N=CRMAlION CARErItLx.V CQVC=RUING YW H L C=NSF: '.SIGN ; H{ WhllrT CARD AN'] CERTffICAT[ Ylr1FRF 1ND:OATEO. i. DETACIi THE WALL'r CARD Ar,'n f~ATIFICATE AI F"L-HFUHAr10N. Registration Code Your registration code is Tound on the attached wallet card. Use this registration code online to: renew your license, cttanye your personal or license address, or order duplicate licenses. Visit our website at www.m~censestate.aa.us i First time users will be required to use this registration code to create a user ID and password. Commonwealth of Pennsylvania ,,,~ ~ , ~ ~ ~ ~ g ~ Department of State Bureau of Professional and Occupational Affairs ' PO Box-2649 Harrisburg I'A 17105-2649 "Certificate Type Certificate Stanis .Certified General Appraiser Active BRETT WESLEYLECHTHALER 16 SAN JUAN DRIVE MECHANICSBURG PA 17055 `Initial Get•tit5cation Datc 06127!2007 Certificate Nufnber GA003594 `.Expiration Data 06f 3012009 C'ammissioner of Professional nnJ llecnpalinnai Affs+irs tit^nfuve _. ~ a Form SCA -"TOTAL for Wintlows" appraisal software by a la mode, inc. -1-80D•ALAMODE DEED THIS INDENTURE, Made the 1 ~~'~~~' day of " ~~%"'`~-~'' ~"'Erg' ~° in the year of our Lord one thousand nine hundred and ninety-two (1992) BETWEEN MARY E. ROHACEK, single woman, and MARY E. REQUENA, single woman, GRANTORS, Parties of the First Part AND J~ISEPH L. HURSH, JR., a married man, GRANTEE, Party of the Second Part WITNESSETH, That the said Grantors for and in consideration of the sum of Eleven Thousand Five Hundred d 00/100---------------------------($11,500.00)-------------------------- --- lawful money of the United States of America, unto them well and truly paid by the said Grantee, at or before the sealing and delivery hereof, the receipt whereof is hereby acknowledged, have granted, bargained and sold, released and confirmed, and by these presents do grant, bargain and sell, release and confirm unto the said Grantee, his heirs and assigns, ALL 1~~AT CERTAIN tract or piece of ground situate in the Borough of Steelton, County of Dauphin and State of Pennsylva;ia, bounded and described as follows, to wit: BEGINNING at a point on the eastern side of North Front Street, nineteen (19) feet, six (6) inches from the southwestern corner of Lot r?o. 10 in Plan of Lots laid out by C. L. Bailey, February 15, 1870, and at line of land, now or formerly the property of Dr. W. J. Middletown; thence by said line of.land of Dr, W. ,T, ~~:ct~?lY~:~wjt, « a;; easterly u:: cct:;;-.:, c.e r:~ndred eleven (111) feet, more or less, to line of land, now or formerly of John A. V1'ickenheiser; thence by said line in a northwardly direction, eighteen (18) feet more or less, to line of land, now or formerly of Dr. J. L. Weirich; thence by said line of land of Dr. J. L. Weirich, in a westerly direction, one hundred eleven (111) feet more or less, to Front Street, aforesaid; thence along the line of said Front Street in a southerly direction, eighteen (18? feet to the a'lace of BI:Gi1tiNi1VG. .. it r~l i'1Il ~I v V~~~_.~, ti I-~ ~_~I i Llblb i~ ~ J~~1t'~AF-" ~ - .-;~• ;)EPi~,I;iW1E?~7 Oi r;f:VFNUr: -_ H'{ ALT" _....__ ~} t,~~ } li:An:,FF.P 1 t:v I.91 ~~~ ~ ~ ~ ~~: -- ~ r r ihCl'i0n ~~~1;!i~L;Ji~L `i.i!Of~ ., - -_ r - rt r~~ r', f,~~ t,tare ~i rand ;s ~i ~ ~ ,~ ~~_~ ~ : - r-. F'~ . ., C:~iiect ~ A esat ;~; . HAVING thereon erected a single three (3) story frame dwelling house numbered 157 North Front Street. BEING the same premises which Mary E. Requena, single woman, by her Deed dated June 6, 1988 and recorded in Dauphin County in Record Book 1133, Page 541, granted and conveyed unto Mary E. Rohacek, single woman, one of the Grantors herein. Mary E. Requena joins in this conveyance to cancel a life estate granted her by Deed dated June 6, 1988 and recorded in Record Book 1133 Page 541. ~ 4.. ~,~ ~~-~ G ~ G:; ~ ~ ~j ~. P,;G E c~ cf TOGETHER with all and singular the improvements, ways, streets, alleys, driveways, passages, waters, water-courses, rights, liberties, privileges, hereditaments and appurtenances, whatsoever unto the hereby granted premises belonging, or in any wise appertaining, and the reversions and remainders, rents, issues, and profits thereof; and all the estates, right, title, interest, property, claim and demand whatsoever of the said Grantors, as well at law as in equity, of, in, and to the same. TO HAVE AND TO HOLD the said land and buildings hereditaments and premises hereby granted, or mentioned, and intended so to be, with the appurtenances, unto the said Grantee, his heirs and assigns, to and for the only proper use and behoof of the said Grantee, AND the said Grantors, their heirs, executors and administrators do covenant, promise and agree, to and with the said Grantee, his heirs and assigns, by these presents, that they, the said Grantors, their heirs, all and singular the hereditaments and premises hereby granted or mentioned and intended so to be, with the appurtenances, unto the said Grantee, his heirs and assigns, against all and every person and persons whomsoever lawfully claiming or to claim the same or any part thereof, by, from or under them, or any of them, shall and will WA-~~]ftAN'r and forever DEFEND. :i ~ J F: ~. ~ C~ ,r P;; G ~ ~ c.~ In Witness Whereof, the parties of the first part hereunto set their hands and seals, this day and year first above written. WITNESS: ,-,~ ; ~ +~ ._ ~l r ~. % ~j~t1 :, ~ al~I ry E. <`~ 1 ~, Jr- ~{~~~ Mary E~ ,~ ~~~~ COMMONWEALTH OF PENNSYLVANIA COUNTY OF +~,~~fv-~~~'s"~~``"~-'1 i rl~t°cv~ 1`j ~:;n:~~.E, ~f...s'tl~r~.~ fii~ii~, cit~cr~n°i~nf is r~{/;t~r~~~..~ iti ~~M~~~ l~~b?c~~rci~,:;~~~ C1~`i~e ~fi ~~u~i^lir'1 ~~.~t~r`i~~v, ~'~i~r~avlv~nia. ~~~`1t11C(Lrl;l~~ •~ G`` ~'~ ~'°y' _ :y •. : ~ , ~-~~. ~- Y.--- On this, the (~" day of G.~~rS.~=^~~ -~ , 1992, before me, the undersigned Officer, personally appeared MARY F,. REQUENA and MARY E. ROHACEK known to me (or satisfactorily proven) to be the persons whose names are subscribed to the within instrument, and acknowledged that they executed the same for the purposes therein contained. In Witness Whereof, I hereunto set my hand and official seal. Notaral Ssal 8onnl®Jo Sealover; Notary Public ( 1 Hampden 7wp., Cumberlarxl County ,'-~~r'l~4'7 ~-, ~- .-~'~'~ ;,r~J:~-.,: ~~ia_~ ~~ My Commission Exp!r2s Sept. 25,1 a93 !~~ Member, Pennsylvania Flssoaa6on of Notaries I hereby certify the address of the above-named Grantee(s) to be: t . ..~ 7 ~ F~j ~ 1 ~.-_ REV-1503 EX+ (6-98) SCHEDt~LE B COMMONWEALTH OF PENNSYLVANIA STOCKS & BONDS INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER NuRsH, ~os~-PH L., Jli'. ZI-o7- 522 All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH '~ 13~ S ham.~s Cr~rn neon S}~K o~ f /ano/er Sns uru~x.~ Cs-rou.P, Inc . ~~irMe~rly Knor~n Qs /4~~Matlo4 Firl[Gytcia~ Corp. Cus~~ ~ 019"154 to o~ ~//~/07 hi'N9.3o to N$,7/ f ave. Y9.ov x /3~ sti = / ti% ~ ~ ~f6 g,oo S/i~/o7 H4, yS o yg. SS ~. 1'%~ns 6eli eveal 7~v ,(~~ of no va,lu.e ~~/ Jayt~x Di/ ~ Gas ~o. Cus/~ ~r7z/2e/a ~ Sf/l Cert,~ ~ oc//G 990 :ss. y~S/~98~ /DOD S`j,~ hoar val /D ~ - o - ~,B) ,¢nfitres ~t esou~c~S Clls/P b 36~ 5~ y /o ,2 5¢/C. C2rfiT• ~ .r4kGt o7fS~ iSS. y/J~l~l,~g ~ , 000 s~. ~Da~ t'a/ / ¢ - o -- (C'-) fifrd a y Ln Perna ~i'ona l Co,~~o. ~,~ o ~o% yG /o ~ 3, oD0 Ski • ~Uoir ,tea/ . ooa/ ¢ --~ o -- TOTAL (._~ enter on line 2, Recapitulation) $ (o~ y 6 $ °p (If more space is needed, insert additional sheets o'f`t~ie same size) Winr!ows Live Hotmail WIr1dOWS LIVa?' Home Hotmail Spaces Inbox~ New Reply Reply all Junk' Drafts' Senff Deleted:' 30 Year Re..." BWF 2005,' FYI Humor' Important ..~' Manage folders Today Mail Contacts Calendar ;, : tt;~ S 3, ., :t+- 03/03/2008 12:33 PM '~ c~l.Ighed. it v~ CC1 Make a great video y /~ and you could win ~~ CJt"3~/e ~1. >~~~r~~~. $25;000 for college. mjjurick(~hotmai... OneCare :'Mail Web' Sign our Forward Delete Junk =Move to ! ~ , Options ~ Fwd: Historical Pricing (Joseph L. Hursh, Jr.~ From: Charles ShieldsIII (ceshields3@comcast.net) Sent: Mon 3/03/08 11:10 AM To: Michelle Jurick (mjjurick@hotmail.com) ~6j Hanover L..xls (19.0 KB), ATT00001 (0.2 KB) Begin forwarded message: From: "Moyer, Amy" <Amy.Moyer@morganstanley.com> Date: March 3, 2008 10:52:58 AM EST To: <ceshields3@comcast.net> Cc: "Dougherty, Joy" <Joy.DoughertyCilmorganstanley.com> Subject: Historical Pricing (Joseph L. Hursh, Jr.) Mr. Shields, Security scan upon download ~ ;R£N0, Please find attached the information for Hanover Insurance Group formerly Allmerica Financial Group. We have no information in our databases for Jaytex Oil & Gas, Antares Resources Corp., or Arjay International Corp. If you have any questions, please feel free to email me back. Sincerely, ~~ L. Moyt~ Sevt,%or CL%evtt set-v%cei Aa~or,%ate, ,Morgan. StanCey & Co. C~Lo6al weaCtFi Ma~tia~elne~nt Group 4507 ~~Iort~ front Street ,Suite 201 3farrisCul~, T.A 17110 ~717~ 255-~i681 (717) ~55-6651 fax (800) 676-0673 a~tnti/.tnc>~/c>rz;ta~nt~anstcLrtle y.co~tn rmportant Notice to Recipients: It is important thaE you do not use e-mail to request, authorize or effect the purchase or sale of any security or cpmmodity, to send fund transfer insinrchens. o! to effect any other transactions. hny such request, orders, or instructions that you send Guilt not he accepted anti will not be processed by Morgan Stanley (c, 2008 Microsoft ~ Privacy ~ Legal Help Central ~ Account ~ Feedback http://by114w.bay114.mail.live.com/mail/ReadMessageLight.aspx?Ac...ReadMessageld=bOc44878-7e22-42ef-9c6b-9d716bfc5432&n=1025853234 Page 1 of 1 Price History - IDC / Exshare The Hanover Insurance Group Inc. (THG) THG 410867105 2020415 NYSE Common stock View Price Change... Da Amount Date Volume Open High Low Close Change 1.1-May-2©07 X115 ~:00~ :, 48.710 ~ ~- ~ 4J.30~ ~aa710"~, ,. ~ 49.100 Report as of: 25-Feb-2008 lily from 11-May-2007 to 11-May-2007 U.S. Dollar Split / Spinoff -Adjusted Cumulative Return Return ~,''0:~ _ ~`00, REV-1510 EX+ (1-97) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN SCHEDULE G INTER-VIVOS TRANSFERS 8~ MISC. NON-PROBATE PROPERTY ESTATE OF f f URsH, .105~~! L, , ~ ~//~, FILE NUMBER Z r^ 07 SZ Z This schedule must be completed and filed if the answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes. ITEM NUMBER DESCRIPTION OF PROPERTY INCLUDE THE NAME OF THE TRANSFEREE, THEIRREtATIONSHIPTODECEDENTANDTHEDATEOFTRANSFER. ATTACH A COPY OF THE DEED FOR REAL ESTATE . DATE OF DEATH VALUE OF ASSET % OF DECD'S INTEREST EXCLUSION IF APPLICABLE TAXABLE VALUE ,. ~~~~Fs s~yw.~a .z-,~,~ .~~eo~,N.-s - ,f~l /10LL0!/ElL /~ ~ ~ ~ Y7- 582a SEE /ltDit/TNL S/ sTi~FTEA1ENT 14T7.~H~D ; ~• 0.0. !//ft uE C/~6C . /ytif~DE sts ~ ubcus: A/~iDE~vl~ GtF 5~~f?,dZ p~~D ~is/o7 ~ ~rsD ~v,/s 5~is/o7 fy~~.GZ 30 = /~{ 7S ¢/~ 7S X ZQ l~iseYSfi sf~.P. ~~r~J~UD =~y/3.~ //~3, S8~ 30 ~- ~f/3 •oo = ~/3, 497, 3a fl/3 997.30 / r7o~o -- p - ~ DCCEDENT Wes LESS 7N.~i/ s~ y2 vE,p.,es , - o - OLD ~ S ~ J ~ T ~ • o • ~, "T,r~tieEFo.~ KND~iQ SECT. q///(r) 7NE)ZE oS'F/OuGD ,/.~E ND /NH~IT- ~¢NCr- T.~x f~u~. ~ /~Eh'EF'/cf~R y , ~ k TH ~r1. h~tr~sN, h/6 T,~~ ~/ CoNTR/d[[ToKy /~P.4 # ~~DD- S9S,2 ,S CHtd~B /flOd/Ey lllKT. /~K/f/D ~cS!!l/N kX) S, 9D?. 8/ SCNW~~B i'~tlfF .tf0,l~ ~aND ~Sw v xx~'3(~ 3?4 7~ ~ , ,CC~~20G¢OE Cn1CTNS sys. C/3iZC,DJ S/u/o7 b~ y: oy /o X8.90 4' ~/y/off ~% 9 ~/ /e off. 9a }u"` - tr 9q X 3.s{~. - 24.97 c--,Me ~,~p (Enzc) 3%ii/o7 h~ %S, yG /o %S. /y a,~,e• I S y 2 x 32 ysh. ~ f , f S,rylo7 ~' /S, b$ /s ~/S. 33 _ ~f, 9gG.o8 7e T.4G t4~ P~iiveeP~f-L •_ ~y 7, ~ SS. (oy SEC /12 oNTHL y STA 7F'/xE'.vT /f TT•4C+5/~ S/is/o7 DwiDE-ND swmXx = ~1.7f S/iS/c7 Div. R.E/A/l~ Sw Vxx = I `~l.oy r/~2.75 ~G2.7S : 30 = S,`/3 x Zg'd~ys = ~/sZ.o~ ToT~ ~i~cuE 47, Zss.Gy ,~ /SZ.oy t ~{7, ~fo7b tf~ yto7.b~ /oD~o - ~-- ~~ o~' C~Otlf'iiLUIL/ TOTAL (Also enter on line 7, Recapitulation) I $ ~(p7, ~~ /if mnrn nnnnn .n nnnrlnr! fnnnrf -,.1.~14~.,n.,l nh.,..4...,i H ..............~-...\ S CRIED. G, e~ %~~ ~, ~ ~ s-~: ~~ SCHWAB Account Statement Retain for Your Records Statement Period: May 1, 2007 to May 31, 2007 Last Statement: April 30, 2007 Rollover IRA Account Number: 2247-5822 31/05-CN5A2I04.002726-SML-172570000008 553229 '3 JOSEPH L HURSH JR CHARLES SCHWAB & CO INC COST IRA ROLLOVER 29/31 EAST ORANGE ST. SHIPPENSBURG PA 17257 Going paperless is easy. Log on to: www.sch wab. com/estatements Questions? Call 1-/300-435-9050 Banking Inquiries: Call 1-800-435-9050 Account value Summa Cash, Money Market, and Deposit Accounts $ 0.00 Investments $ 114,026.92 'i-otal Account Value $ 114,026.92 Account Opened in: 2001 Page 1 Change in Ualue Summary Starting Account Value $ 113,584.30 Transactions & Income This Period $ 442.62 Change in Value of Investments This Period $ 0.00 Ending Account Value $ 114,026.92 Change in Account Value Since 1/1/07 $ (2,479.30) Rate Summa =- Deposit Accounts: Interest rate as of 05/31 (Z) 2.52% Investment Detail Quantity Description Svmbol ona/Short Price Market Vaiue Investments SCHWAB VALUE ADVANTAGE Q SWVXX 114,026.9200 L $ 1 $ 114,026,92 Total Account Value $ 114,026.92 Transaction Detail Settle Trade Date Date Transaction DBSCI7ptIOJI Quantity Price Total Cash, Money Market, and Deposit Accounts Activity 05/15 05/15 Div For Reinvest SCHWAB VALUE ADVANTAGE MONEY FUND $ 442.62 Investments Activity 05/15 05/15 Reinvested Shares SCHWAB VALUE ADVANTAGE 442.6200 $ 1 MONEY FUND $ (442.62) 0 0 0 0 rJ y rJ N v, k P/ease see "Footnotes for Your Account" section for an explanation of the footnote codes and symbols on this statement. ~,r'p, ~ dT ~~, ~ w~.~ SCI-~~V1~$ Rollover IRA Account Number: 2247-5822 Account Statement Retain for Your Records Statement Period: May 1, 2007 to May 31, 2007 Page 2 Charles Schwab Bank, N.A. De osit Accounts Activit Trans Date Transaction Description Withdrawal Deposit O enin Balance (X,Z) $ 0.00 Total Activity $ 0.00 $ 0.00 Endin Balance (X,Z) $ 0.00 Deposit Accounts: Interest rate as of 05/31 was 2.52%. Your interest period was 04/16/07 - 05/15/07. (Z) Contribution Summa 2006 2007 Traditional IRA $ 0.00 $ 0.00 Year to Date Total: $0.00 $0.00 Distribution Summa Year to Date Distribution Summary Gross Amount Federal Tax Withheld State Tax Withheld Earnings Net Amount Premature-Exception $ 4,556.00 $ 0.00 $ 0.00 $ 0.00 $ 4,556.00 Year to Date Total: $ 4,556.00 $ 0.00 $ 0.00 $ 0.00 $ 4,556.00 Income Summa Description This Period Year to Date Cash Dividends $ 442.62 $ 2,076.70 Total Income $ 442.62 $ 2,076,70 Footrtotes For Your Account X Balances held at Charles Schwab Bank, N.A., member FDIC. Please note that the interest is paid for a period that differs from the Statement Period. Bank balances include any interest that Charles Schwab Bank, N.A, paid as indicated on the Deposit Accounts Activity page. Bank balances do not include any interest that may have accrued during the Statement Period after interest is paid. The interest paid may include interest that accrued in the prior Statement Period. Please see "Footnotes for Your Account" section for an explanation of the footnote codes and symbols on this statement. n2004 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CRS 22640 (0001 -0386) STP10479R2-03 (12/04) CN5A2104-002726 553230 , .: _ sc~~vAB Account Statement Retain for Your Records Statement Period: May 1, 2007 to May 31, 2007 Last Statement: April 30, 2007 Contributory IRA Going paperless is easy. Log on to: Account Opened in: 1997 Account Number: 4600-5952 www.schwab.com/estatements Page 1 Otrestions? Call 1-800-435-9050 Banking Inquiries: Call i-800-435-9050 31105-CN5A2104~002726-SML-172570000008 553233 ' JOSEPH L HURSH JR CHARLES SCHWAB & CO INC OUST IRA CONTRIB DTD 09(08/1997 29/31 EAST ORANGE ST. SHIPPENSBURG PA 17257 Account Value Summa Cash, Money Market, and Deposit Accounts $ 5,902,81 Investments $ 41,829.71 Total Account Vatue $ 47,732.52 Chance in Value Summar Starting Account Value $ 47,017.47 Transactions & Income This Period $ 162.75 ~. Change in Value of Investments This Period $ 552.30 ,~ Ending Account Value $ 47,732.52 Change in Account Value Since 1/1/07 $ 1,954.42 ..~ Rate Summa ~. Deposit Accounts: Interest rate as of 05/31 (Z) 2.52% .°.. Schwab MMF 4.63% ~.. ~'-.~ Investment Detail Quantity Description Symbol LonO_ /Short Price Marltet Value Cash, Money Market, and Deposit Accounts SCHWAB MONEY MARKET FUND SWMXX 5,902.8100 L $ 1 $ 5,902.81 Investments SCHWAB VALUE ADVANTAGE Q BROCADE COMMONS 5YS INC E M G CORP MASS SWVXX 36,329.7800 L $ 1 $ 36,329.78 BRCD 3 L 9.1910 27.57 EMC 324 L 16,8900 5,472.36 Totai Account Value $ 47,732,52 Transaction Detail Settle Trade Date Date Transaction Description Quantity Price Tota_h Cash, Money Market, and Deposit Accounts Activity 05/15 05/15 Dividend SCHWAB MONEY MARKET FUND $ 21.71 05/15 05/15 Div For Reinvest SCHWAB VALUE ADVANTAGE MONEY FUND 141.04 Please see "Footnotes for 4'our Account" section for an explanation of the footnote codes and symbols on tins statement, ~,< ~r~~~'r~,S ~; ,. ~~'~~ SCHWAS Contributory IRA Account Number: 4600-5952 Transaction Detail continued Settle Trade Date Date Transaction Description Quantity Price Total Investments Activity 05/15 05/15 Reinvested Shares SCHWAS VALUE ADVANTAGE 141.0400 $ 1 $ (141.04) MONEY FUND Mone Funds Detail Settle Date Transaction Quantity Price Purchase/Debit Saie/Credit Money Market Funds (Sweep) Activity SCHWAS MONEY MARKET FUND Activity Opening Shares of SCHWAS MONEY MARKET FUND were 5,881.10 05/15 Dividend 21.7100 $ 1 $ 2 i .71 Closing Shares of SCWWAB MONEY MARKET FUND were 5,902.81 Total Mone Market Funds (Sweep) Activity $ 21.71 $ 0.00 SCHWAS MMF 4.630% Charles Schwab Bank N.A. De osit Accounts Activit Trans Date Transaction Description Withdrawal Deposit O enin Balance (X,Z) $ 0.00 Total Activity Account Statement Retain for Your Records $ 0.00 $ 0.00 Endin Bafance (X,Z) $ 0.00 Deposit Accounts: Interest rate as of 05/31 was 2.52%. Your interest period was 0416/07 - 05/15/07. (Z) Contribution Summa 2006 2007 Traditional IRA $ 0.00 $ 0.00 Statement Period: May 1, 2007 to May 31, 2007 Page 2 Year to Date Total: $0.00 $0.00 Income Summa Description This Period Year to Date Money Funds Dividends $ 21.71 $ 100.21 Cash Dividends 141.04 653.28 Total Income $ 162.75 $ 753.49 Please see "Footnotes for Your Account" section for an explanation of the footnote codes and symbols on this statement. ©2004 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CRS 22640 (0001-0386) STP10479R2-03 (12/04) ~- CN5A2104-002726 553234 - IC'N't~ll+i k~w~ s ~`~i-~~ S~l~~VA~ Account Statement Retain fior Your Records ©2004 Charles Schwab & Co., Inc. All rights reserved. Member SIPC. CRS 22640 (0001-0386) STP10479R2-03 (12/04) t _°~ ~ ~-~, ~~ ~ ~ ~H~i~l~ Account Statement Retain for Your Records Terms and Conditions G);NI:RAL INFORMATION ANll KGY TLRMS: All references to "Schwab" in this document rei'er to the broker-dealer Charles Schwab & Co., Ina Unless otherwise defined herein, capitalized terms have the same meanings as in your Account Agreement. If you receive any other communication from any source other than Schwab which pttrpatts to represent your holdings nt Schwab (including balances held at a Sweep Bank) you should verity its content with this statement. Securities, products, and services are not available in all countries mid are subject to country specific restrictions. A[P (Automatle Investment Plan) Customers; Schwab receives remuneration in connection with certain transactions effected through Schwab. If you pml.icipate in a systematic investment program through Schwab, the additional information normally detailed on a trade conPirmntiou will be provided upon request. 13ank neposit Ireatare: Schwab acts as your agent and custodian in establishing and maintaining your Bank lleposit Feature as a Schwab Cash Feature in your brokerage account. "The Bank Deposit Feature constitutes a direct ohligauon of the Sw•ccp Hank and is nor. +ut ohligaGon of Schwab. Free Credit Balances will he deposited into the Hank Deposit Feature withrnn limit even if the atriount in the Hank Deposit Feature exceeds the $100,000 FDIC insurance limit. For deposit insurance purposes, deposits, including certificates of depposit, that. you may establish in Due capacity directly with a Swee~r Bank or through an mternediary, such ns Schwab, will he aggregated with the deposits you establish through the Bank Deposit Feature in the same capacity. You are responsible for tnonrtoring the total amount of deposits yon have with the Sweep H+tnk in order to determine the extent of deposit insurance coveraee available to you. Please refer to the Disclosure tatentent for Schwab dash Features or contact Schwab for more information. Cash: Any free credit balance owed by us to you payable upon demand which, although accounted for on our books of record, is not segregated and may be used in the conduct of this firm's business. Dividend IteirrvesGnenf Cuslnnters: Dividend reinvestment transactions were effected h}+ Schwab acting as a principal for its own account, except for the reinvestment of Schwab dividends, for which an independent broker-dealer acted as the buying agent. The lime of these transactions, the exchangge upon which these transactions occurred and the mm~e of the person Crom wham t}te security was purchased will be furnished upon written request. luterest: For the Hank Deposit Feature, interest is paid for n period that differs from the Statement Period. Bank Deposit Feature balances include interest the Sweep H+uik paid ns indicated on your statement. Bmtk Deposit Feature balances do not include interest that may have necnied during the Statement Period after interest is F~aid. ~l'he interest paid may include interest that accnred in the prior Statement Period. Interest accnres Crom Lhe second-to-last hrisiness day of the prior month and is posted on the second-tc+-hist business day of the current month. lf, on any given day, the interest Chnt Schwab cnlculntes for the hree Credit Balances in the Schwnh thte Interest Feriture iu your brokerage Account is less than x.005, you will not east anyy interest on that day. hor Bank Deposit F'cature balances held at a Sweep Bank, the interest. will accrete even if the anwum is less than $.OOS, l,atesf i'rice/Price (investment Belail Secfiou Ouiy): "fhc most recentprice evaluation available on the last business day of the statcrnent period, narnal(y the fast h'ade price or hid. Unpriced securities denote that no market evaltratiou update is cunently available. Price evaluations are obtained trout outside patties. Schwab shall have no responsibility for the accuracy or timeliness of any such valuations. Pricing of assets not held at Schwnh is far informational purposes only. Margin Aceotrnt Cuslonters: This is a combined statement. of your margin account and special memornndutn account maintained for you under Section ?20.5 of kegulation "f issued by the Board of Governors of the Federal Reserve System. The permanent record of the separate account as required by Regulation T is ovailahle for your inspection. Non-Standard Assets: All assets shown on this statement, other than certain direct investments which may he held by a third party, are held in your Account. Values ofcertain non-standard assets may be funushed by a third petty as provided in Schwah's Non-Standard tlsset Custody Agreement. Schwnh shall have no responsibility for the accuracy or timeliness of such valuations. Assets held by a third patty are «ot covered by SIPC;. O rtion Customers: Be aware of t-te following: 1) Commissions and other charges re~ated to the execution of option transactions have been included in confirmations of such transactions previously fiirnished to you and will he made available Promptly upon request 2) You should advise us promptly of any material changes m your investment objectives or financial situation 3) Exercise assignment notices for option contracts are allocated among customer short positions pursuant to an automated procedure which randomly selects from among rill customer short option positions those contracts which are subject to exercise, including positions estab{ished on the day of assignment. Schwab Sweep Money Yantis: Includes the primary money market hinds into which Free Credit Balances may he automatically invested pursuant to your Account Agreement. Schwab or an affiliate acts and receives compensation as the Investment Advisor, 'Transfer Agent, Sttarehokler Service Agent and Distrihntor for the Schwab Sweep Money Funds. "the amount of such coinpensation is disclosed in the prospectus. The yield information for Schwab Sweep Money Feuds is the current 7-day yield as of the statement period. Yields vary. Schwab and the Schwab Sweep Ntoney bonds investment advisor may be voluntarily reducing n portion of n Schwab Sweep Money Fund's expenses. Without these reductions, yields wrntld have been lower. Secuurities Products ant) Services: Securities products and services arc offered by (.:harles Schwab & Co., Inc., member SIPC. Securities products and services, including unswept intraday funds and net credit balances held iu brokerage accounts are not guaranteed deposits or obligationsbf the Sweep Bauk, and are subject to investment risk, are not FDIC insured, may lose value, and are not bank guaranteed. Short Positions: Securities sold short wit{ be identified through an "S" in Investment Detail The market value of these securities will he expressed as a debit and he netted against any {ong positions in Total Account Value. Sweep I3attk: An FDIC-insured depository institution affiliated with The Charles Schwab Corporation, at which interest-hearing Deposit Accounts are maintained an your behalf. IN CAS); OF ERKORS OR llISCR1JPANCIGS: If you find an error or discrepancy relating to your brokerage activity (other fh:w an electronic toad transfer) yoo must notify us prnngttly, but no later than 10 days after tl-is statement is seal. or nt»tle, available to you. If this statement shows that we have mailed m• delivered securifV certificate(s) thatyat have not received, notll'y Schwab iuuueilialclV. Yau may call us al RI)0-435-40fill. ~Ootside the U.S., call +1-415-6(r7- 50(19.) ,lay Drat communications s weld be re-confirmed fu writing to further protect ,your ri ~hts, including rights under the Securities [nveslctr Prntt:ct.iou Act (IPA). li' you do not sa notify us> Von at;rec that the st3ltelllept aCtivtt}' all/l ACCOItnt ila1a11CC arC plrl'eet f01' all purposes with respect fo those brokerage transactions. [N CASL OY COMPLAINT'S: If you have a complaint regarding your Schwab statement., products or services, please write to the (;treat Advocacy Yearn at (:hruies Schwnh & Co., lac., Attention: Client Advocacyy •I'eam, 10( Montgomery Sl., Sau Francisco, C;A 941(14, USA, or call BOO-435-400(1. For Clients residing outside of the U.S., call collect +l-4l?-G67-5(1(!9. Addt'css Clt:utkcs: If you fail to notify Schwab in writing of any ch:urgc of address or phone number, You may not receive intportnnt notiticntions about your Account, and trading or other restrictions might be placed on your Account. Additional Information: A financial statement for your inspection is available at Schwab's offices or a copy will he mailed to you upon written request. Any third party trademarks appearing herein are the property of their respective owners. (I ]OG-311O itEG24)70NRSB-US (03/07) ©2004 Charles Schwab & Co., Inc. All rights reserved, Member SIPC. CRS 22640 (0001-0386) STP10479R2-03 (12/04) CN5A2704-002726 553232 SCHWAB Account Statement Retain for Your Records Rollover IRA Statement Period: May 1, 2007 to May 31, 2007 Account Number: 2247-5822 Page 3 Footnotes For Your Account continued Q Dividends paid on this security wili be automatically reinvested. For information on how Schwab pays its representatives, go to http://www.aboutscl~wab.com/schwabcorp/compensation.htmi. M C ~.r C C rv N O W O x SC~iWA~ Account Statement `' Retain for Your Records Contributory IRA Statement Period: May 1, 2007 to May 31, 2007 Account Number: 4600-5952 Page 3 Footnotes For Your Account X Balances held at Charles Schwab Bank, N.A., member FDIC. Z Please note that the interest is paid for a period that differs from the Statement Period. Bank balances include any interest that Charles Schwab Bank, N.A. paid as indicated on the Deposit Accounts Activity page. Bank balances do not include any interest that may have accrued during the Statement Period atter interest is paid. The interest paid may include interest that accrued in the prior Statement Period. -- Q Dividends paid on this security will be automatically reinvested. For information on how Schwab pays its representatives, go to http://www.aboutschwab.com/schwabcorp/compensation.html. ..= .~ -- C c c c c n n a: c v c cr c Calculated Value of Your Paper Savings Bond(s) Caiculated Value of Your Paper Savings Bond(s) Calculator Results for Redemption Date 05/2007 07/06/2007 01:27 PM Total Price Total Value Total Interest YTD Interest $150.00 $267.48 $117.48 $4.92 Bonds: 1-3 of 3 Issue Next Final Serial # Series Denom Issue Interest Interest Value Note Date Accrual Maturity Price Rate C425549465EE EE ~ $100 09/1993~09/2007~ 09/2023 4 $50.00' $39.16' 4.33% ~, $89.16m _ C425562511EE _ EE t $100 ;x09/1993 ~ 09/2007: _09/2023 ~ P $50.00 ~ _ $39.16, 4.33%~ _. $89.16= 0425536931 EE ; EE $100 ~ 08/1993 _08/2007 ~ 08/2023 ~ _ _ $50.00 V _ $39.16 _ _ 4.33% ~ _ $89.16 ; _ Totals for 3 Bonds $150.00 ; $117.48 ; _ -_ _ _- r $267.48 Notes NI ~ Not Issued .----a~__..________________________..__~____~_________. NE ;Not eligible for payment _ .___t__ P5 ~ Includes_3_month_ interest penalty_ _ MA (Matured and not earnin interest http://vwvw.treasurydirect.gov/BC/SBCPrice Page 1 of 1 REV-1508 EX a (1-97) SCHEDULE E COMMONWEALTH OF PENNSYLVANIA CASH, BANK DEPOSITS, ~! MSC. INHERITANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER Include the 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. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. pk,rt~'al ~e~und on carer close-octt o{' nSa~ D~os:t /fox ~ a. /©lt~fa/ Re~und oa /~roperf Cvver~e ~iscf,~anee ~irt Cbr/s~ieh /~akcr ~. ys~ 76 3. Glei..,~urse~nents oh oSA/e of rea/ proper ~ af' ?9 ~ orange fit, , S/r;,ope/~s6Hry ~A~ /rra -ra /l'o n - C~ fy~w~ Taxss /• /6 CiB.~ fro-rahca ` ti.SC/ico/ %a,~res jeyS iS (see ~'eff/e,~e~f oSheet Q~fe~lrea~ herGt~ /Q~i~~hrst/yle/lf vet sa/e s~ rea/ /~i»per~ aa~ 3/ ~. Or~rye ~„ Slri~o/~e/rsdkr~ ~A~ /~~-ra {ion - C~fy /Taws ~~,res ~, 67 (,Q~ ,fro-ra/,o~'- s~dioo~ T~s ~ y5; ?/ (see self/eare•~t .sl~ecf a~la~~tiea' her~f 1 j oSa/e at ll~SorrP.a~ /Y~rSc~/litnCouS J'anjo/.~eS a.~.a~ ~u,~Omau,7~ troy, ,E'. ora.~e sf /~n°in~scs ~ ~Sl,~p~cis6u~ ~(/oH-/~i~o/"•f !-/ous%h~, =tee. 350.00 ~ . C htc~E',iry ~ecr` Nv. 92 q 78(n aaF Bank ~f' f/aa raver, ~rln~ Fiha~n~•4/ Corpora~,'on f 3, 9G~. i3 ~ ' /~C~rHe~ 1`nf , fc d.o.d. or Zftnn lo• ¢D. 3y~ (sec ~alu~{~o~ stied Q~actie~l~ /~uC~IDN PRoCE~~s ~dm /-~uCr~oNE~X /KE ~"/C//E~,c3E'/~'G~' ~~¢..~ qJa /e of B (~. o7S, oZo0 ~ ~~1 ~, X83. ZS ~B~ o,~r/e ~ act. a 7, d©0 7 ti .t , 7p ? 7S ('~ .) Salc of /~DV /7, zoo? '~ 4 , s ~~. ~s CS~E yS~kfG/flr,'/lfs } a'>~P~ar~ ~SCe Co~~'~n. Stieef at/'ahe4/J TOTAL (Also enler on line 5, Recapitulation) $ nc ..~~•.. ~.,~~o .c nacriati ;~~Prr adriitinnal sheets of the same size) ~'L ~C.l.~.E ~' It 1. Ih-"'l -a~~~'"~. HiL : ,~. ARIlIiCl,1~ li ,'19SIav11R~ PRI;~;'fLU ON THb BACR:. l73L idtVi 2'I Uf T}1H IXJCUMLNT HAS A'.v11Cf.0-hLt~N'I SIC,Na'lUAL LWE 185I!NCEUh'CHESCrFEATUKES WILL INUICA7L A C:Ctl'1- 031J ~p ~, ~ ~ ~ ~ 4~- 10 5.2.615 ', r^~""~ HANOVER, PA 1:7331 MEMBER FDIC iEt~,-~.~-c»i[~! zz-is~s 96G DATE PP,Y To THE oROer+of FSTATF QF~7~~j?I~I~-I~-i~S~-~R ~ ±~I~ ~-9-, ~9 HAN~~J~~ DOLLARS PAYABLE THRGUGH ~ - ~ ~ .. ~ ~~ FIRSTAn BANY. OF MINNESOTA, N.A - _ - - - - _.~`.. __. Y_ __.__ _,__...___ ....__~M' ST. PNUL. MN AUTHORIZED SIGNATURE 11' L05 26 1511' ~:0960 16 76 5~:0 1400 L00053 L 21i' IiL` In ~~,_I__-il~.a. rln:~: ,: Alatili_Ir„ l~a'I GI±n1AH61'Rliy'l EI O~ III!-Ilt,Ci: IIiLWA)."IOF TH6 DOCUMENT HhSA LllCkO-RItiNTSiGNtV~URP-LIFE. A65ENCE OF'CHE$FLATUKES K'I~L J'vDICr;IL ~~COI')_ 031 Ca ~~ .. . (.~ ~~~ Q3- 1052615 ~ ~.,~ r;arv~v~~, PR ~~ss~ ~ MEMBER FDIC _ ~ iZ~~ - is-:~'. B~ l ~~-i sus 96G DATE .PAY TG THE oRr,ER of _E~TATF nF JOS,~P~-=ILL-T-~S--~-~T~ ~ ~ -a-9-.-~-~- HAI~V~i~£~ ~ i Ciiri.~ i~l L i~5 DOLLARS PAYABLE THROUGH ., ~ ~~~ - . , I _. FIRSTAR BANK OF Iv11NNESOTk. NA. ---- ~- ~--~ - - ` - ~-- ~ __ _ ..._.._.,_ - _._.,...--- --_...._ ..._ . NP ST.PAUL,MN _. 'AUTHORIZED SIGNATUC3E of »'1052615~~' 0:0960 16 76 5~:0 1400 1000 5 3 1 2~~' ~ v m ~ tD ~ ~G ( 4 O_ v ~ ~ r ~ m N, tn - ~ ~ C~ ro ro N CD O m 3 w CP 3, m 3 c ~ n : m ce n ~,, C1 O -+ ca G , v ~~ ~~o ~ ro~' w v~ O m , n ..S R1 O ~ a 3 , ~ °- o ~ c~ -~ Q. -p N C ~ ~ _~ 3 0 -.1 p cn ~ ~ ~ ~ ~ W ~ ~ ~ w 0 ~, .~ m N ~ O 13 ~ J ~ Z ~ W O 0 0 N ~ ~ 3 ~• ? "b r o ~ _ ~~~ °' s VDU, _ ~ o ~ ~ N 3' QJ ~ r c'' g = m O N ~ ~ N O ? a ~ ^~ o ~ g' rn O ~ w ~ o ~ o yc ..., o, m 0 c~ W f D Zo ;, m W _.~ 2 n~ ~ n A ~ ~ me c m W av I ~ _-- a m~ ~~ m° ~ ~ ly N-1 r z 'i1 z z r 0 O D Z m ~° ~~~ ~ N p ~~'.ar '.z v?~ ~ o ''' 3 ~ ~ ~-~ r w ~ = N Q ~ ' R O N N O ~? L -` C .~`~~~~ ~~~~~~~ ~~ Diamond Mounting A Specialty July 8, 2007 Estate of: Joseph L Hursh Jr. C/O Ruth Hursh CG BUSER ~ SON 875 Marhet Sb~eet, Second .Floor Lemoyne, PA 17043 (717) 972-1230 Prompt Attention To Mail Orders Gents E Howard model 6, 17 jewel pocket watch. The watch is pendent set, and in a 14K yellow gold swing out case. The movement number is 1180058 circa 1913. The watch is connected to a yellow gold filled case. Total fair market value, approximately $300 Gents Hamilton grade 972, 17 j ewel pocket watch in 20 year gold filled case. The watch is lever set, movement number 1024848 circa 1913. Total fair market value, approximately $125 Yellow gold 14K oval link chain that measures approximately 5.5 mm wide and 25 inches long. The chain weighs approximately loz 3dwt 2gr. Total fair market value, approximately $345 Gents 14K yellow gold man of the district AMP ring containing a Hematite stone. The ring weighs approximately loz 17gr. Total fair market value, approximately $300 Gents damaged empty 14K yellow gold ring that weighs approximately 4dwt 15gr. Total fair market value, approximately $45 Gents l OK yellow gold signet ring that weighs approximately 6dwt 6gr. Total fair market value, approximately $60 Gents 14K yellow gold wedding band that weighs approximately 3dwt 4gr. Total fair market value, approximately $45 Page 2 Estate of Joseph L Hursh Yellow lOK gold fraternal pin that weighs approximately 2dwt l lgr`. Total fair market value, approximately $25 Yellow plated pin. Total fair market value, approximately $2 Gents platinum ring (damaged) that was cut off of finger. The ring contains one old European cut diamond that weighs approximately 1.35 cts and is of VS2 clarity and J-I color. The ring weighs approximately 6dwt 3gr. Total fair market value, approximately $3,600 Fc~. s. Charles G Buser III G.G., LS.A Fau• market value: The price in the market place in which the item would change hands between willing buyer and willurg seller, neither being under any compulsion to buy or sell and each having reasonable knowledge of the relevant facts, i.e., the price in the market place in which the item is most cornrnonly sold to the public. Also taken into consideration was a reasonable and realistic time frame for willing buyer and willing seller to reach an arms length transaction within the appropriate market Little IKE Eichelberger, Auctioneer Dillsburg, PA 17019 Phone Number (717) 432-0006 PA License # AU. -001954-L ~ Sta~me t of Public Sale eld For n ~ ~~a20~7 ENSES ~j Advertising ................................................................................. 1~ ~ °d Insurance .............................................................. . o ~~O ~~ Auctioneer's Commission. /D~ .............................. O Real Estate Commission ............................................. Clerk's Commission ..................................................... y .................~~.~ ........................................ ~ Cj Runners Pa ~ ' ~ ~" ~~ j ~. ' Miscellaneous Expenses.....?l .~.:~ ....... ~X GIQ..:......... ~2~~~ Total Egpense.......G~ ~JI;, ~ ......................................... ~~ 314 ~~ RF('EIPTS ~~~ • ~C Gross Sale ........................................................... ~ 2 r~ Less Expenses ..................................................... Less Uncollected Amount ......................................... Total Net of Sale ................................................... ~ ~! ~ _Q` I received $ ~ ,~ ~ from proceeds of the listed sale on Signature Date, Lnsurance .............................................................. . Auctioneer's Commission..../.~~~.~ ............................. /o~ ~Q. ~~ Real Estate Commission ............................................. ,~~ S a~ Clerk's Commission .................... G~v.................:~J..a.~. -~ Runners Pay...... -~P..... f ....-~~.. ~.-. ~ ... ................................ ~~~. ~ ~ a D, Miscellaneous Expenses......~'-~i?.~:" ........................... 2,~v . da ~~;~- o~.~ . a Total Ezpense ............................................................ b~ D ~d ~ ~D RECEIPTS - ~T~°°7 Gross Sale ........................................................... ~~~ ~~~ ~~ Less Expenses ..................................................... ~~ ~•~ ~- °° `~ Less Uncollected Amount...... ~~ Total Net of Sale ................................................... ~a ~~~a 7~r--- I received $ D~ ~ S~ from proceeds of the listed sale on /O o~ D Signature Date, Little IKE Eichelberger, Auctioneer Dillsburg, PA 17019 Phone Number (717) 432-0006 PA License # AU. -001954-L Little IKE Eichelberger, Auctioneer Dillsburg, PA 17019 Phone Number (717) 432-0006 PA License # AU. -001954-L Statement of Public dale Held For XPENS S ~ ` Advertising ................................... .................................... ~~ ~~ , Insurance ......... .. . ...... ................................... . /ate ~o Auctioneers ~ ' ommissi ...1 ............. Real Estate Commission ............................................. ~--! Clerk's Commission ........................................ Runners Pay.. ~`~r......~.~t.~.~ ...................................... 02 ~ , ~~ ~~~ , Miscellaneous Expenses. ~~!ff..rlJ~.... ~.~..~.r~.0. , l~ .... /~G~ ~(~D ..-- Total Egpense ............................................................ 5 ~S RECEIPTS Gross Sale ........................................................... 7 5~~~ Less Expenses ...................................................... ,J~~v'T ~' Less Uncollected Amount ......................................... ~(~, ~J(~ Total Net of Sale ................................................... ~/~ ~~ I received $ ~ ~ from proceeds of the listed sale on //-~ 4 Signature Date ~~ECI ~~~~~~~~~--~~~~~n~~~n~ 93969 1 FP 0.373 JOSEPH L HURSH JR 29 & 31 E ORANGE ST SHIPPENSBURG PA 17257 ,.~ ~t: ~e,c^, , . P.O. Box 67013 (717) 234-84$4 (Harrisburg) Harrisburg, PA 17106-7013 (800) 237-7328 (Nationwide) website ~ E~ttr~x:I/w~ee+v-p.~rsec~a.c®e~ GET READY FOR SCHOOL? PAY FOR WHATEVER YOU NEED WITH A LOW 9.91 BACK-TO-SCHOOL SIGNATURE LOAN. APPLY TODAY AT PSECU.COM. JOINT OWNER MEMBER NUMBER 0184XXXXXX STATEMENT PERIOD'. FYDf11- f:~['pa: -_ --- -_ 050107053107 PAGE 1 rwiinu crrwiiv~ FINANCE FEESOR TfiAN5AGT10N NEW bATP DATE TRANSA~TION.AESCRIP'[16N cREOiisoi~ CHARGE CNAHYaE3 AMOUNT BALANCE. . -. - -.. oFSiis ~, _. _._____ 05/01 ID O1 REGULAR SHARES BEGINNING BALANCE 293.58 05/31 PAYMENT: DIUIDEND 1.2401 0.31 293.89 ANNUAL PERCENTAGE YIELD EARNED 1.251 FROM 05/01/07 THROUGH 05/31/07 1til.QrT iAU A'1/rn n nr >r w r i it n w ~wu r. i- .;r- ., .:-,> .~ .._ i<<.. ------------O-Og- 05/O1 ID 04 CHECKING BEGINNING BALANCE 05/31 ENDING BALANCE U.08 :: DIVIDEND ~'TD; YEAR fi~?...B!AT~ >.:: :.. ;; 0. [l-0 ,.: 05/31 PAYMENT: DIVIDEND 4.9801 21.55 5115.72 ANNUAL PERCENTAGE YIELD EARNED 5.10% FROM 05/01/07 THROUGH 05/31/07 05/31 ENDING BALANCE 5115.72 '::MONTH G£RT1F'ICATE WT:`LL MATURE ON 06f15/OZ DIIC:IDEND YTD: YEAf'i Tfl -;DATE ':104.1.2 05/01 ID 51 6 MONTH CERTIFICATE BEGINNING BALANCE 5036.90 05/31 PAYMENT: DIVIDEND 4.980 21.30 5G58.20 ANNUAL PERCENTAGE YIELD EARNED 5.091 FROM 05/01/07 THROUGH 05/31/07 0531 ENDING BALANCE X058.2'0 6 'MON'TH CER'1'iIP'ICAT~ WILL MATURE AN 09/08/0.7. : ........,p,3.VIDE~ip YTD! ~!EA~....Ti7 :PATE : : ', '` ~$...~:~..... I NADA Appraisal Guides - Ge[ a Value -Motor Homes 9/17/08 2:43 PM ~ = - - _ t Vehicle Rrl+cin~ & lr~{ocmofilan ~?e.lns - Autos' Classic Cars Motorc, c~ les ~! Boats ~ Recreation Vehicles Manufactured Homes ~ Buy a Price Guide A 1 for a PP y Lnsurance Quote I Warrant~Quote I Good Sam Club I Buy an RV I Sell an RV Loan I HC~1+EkT15ING 1 1- Cateaory I 12 -Make & Yearl I 3 -Model I I 4-Options I Used Values: Result Motor Homes 1984 VOGUE Model: VOGUE MITCHELL COACH Length: 35' MFG. Coach Design: Motor Home VOGUE Floor Plan: ALL Self-Contained: YES Slides: 0 Next Steps September 17, 2008 ~ print this page • Free Finance note • Free I n s u I•a n ce Low Retail Average n cote Retail • Extended Base Price Warranty $6,620 $7,980 • FREE Credit Mileage Factor (Gasoline engine only > Report and 15,001- 20,000: Plus 30.00% $1,986 $2,394 Score! Options • Title and AIR CONDITIONING AND HEATING Resistration 110 Volt - 10,000 BTU (Roof $60 $75 • Forms Mount): • Cash for Your RV APPLIANCES • Donate Your RV g CU FT Refri rator $80 $100 ge : 15 -Used Values I http://www.nadaguides.com/Values/ValueReport.asp?UserlD=d6113b...&wPg=1107&wSec=S&Letter=V&Com=0403&Year=1984&Model=2200034770 Page 1 of 4 F OV EkT15ING NADA Appraisal Guides - Get a Value -Motor Homes • cJet your Kv trip! Flushing Toilet/Holding Tank: $80 Microwave Oven: $25 Waste Water Holding Tank: $80 Water Heater 6 Gallon $30 Gas/E1 ec: ENTERTAINMENT 10" Color T.V.: $20 AM/FM Cassette: $25 JACKS AND LEVELING SYST EMS Hydraulic Leveling Jacks $245 (Motor Homes): MISCELLANEOUS Auxiliary Gas Tank: $80 Cruise Control: $15 Electric Step: $20 Luggage Rack and Ladder: $20 Spare Tire and Carrier: $20 Storm Windows: $45 Tilt Wheel: $20 Trailer Hitch: $20 ENGINE AND SUSPENSION SYSTEMS Power Center Steering System: $95 GENERATORS 5000 Watt: $370 TO'CAL .PRICE $9,956 $100 $35 $100 $40 $25 $35 $300 $100 $20 $25 $25 $25 $60 $25 $25 $120 9/17/08 2:43 PM $450 $12,059 = Gt•t-{e . ~ ~, 00 7, SD Notes AFTER 1990, VOGUE MODELS MANUFACTURED BY MITCHELL COACH. FOR INFORMATION AFTER 1998, REFER TO FEATHERLITE VOGUE. Next Steps Finding the perfect dinghy vehicle to tow behind your motor home can be a challenge. Shop the NEW models of trucks, sport-utilities and cars to find one that suits your needs. Before you buy, check your credit and get the best possible rate avaliable with a Free Finance Ouote. It is also highly recommended that good insurance coverage be purchased to fully protect your vehicles by obtaining a Free Ilisurance uote. Buy a motor home and start a new adventure on the open road or Sell your motor home and get the most for it that you can. • Get your RV trip! http://www.nadaguides.comJValues/ValueReport.asp?UserlD=d6113b...&wPg=1107&wSec=S&Letter=V&Com=0403&Year=1984&Model=2200034770 Page Z of 4 NADA Appraisal Guides - Get a Value -Motor Homes Value Explanations Prices shown are retail consumer values and to be considered as selling prices. Trade-in and loan values are confidential for our dealers and industry base subscribers. Trade-in values are to be determined by local dealers and are generally lower than values shown. Suggested List -The value listed reflects the approximate price of the unit when it is brand new. The prices listed are furnished by the manufacturer and are assumed to be correct. The list price does not include freight charges. Low Retail Value - A low retail unit may have extensive wear and tear. Body parts may have dents and blemishes. The buyer can expect to invest in cosmetic and/or mechanical work. This vehicle should be in safe running order. Low retail vehicles usually are not found on dealer lots. Low retail should not be considered atrade-in value. Average Retail Value - An average retail vehicle should be clean and without glaring defects. Tires and glass should be in good condition. The paint should match and have a good finish. The interior should have wear in relation to the age of the vehicle. Carpet and seat upholstery should be clean, and all power options should work. The mileage should be within the acceptable range for the model year. An Average Retail vehicle on a dealer lot may include a limited warranty or guarantee, and possibly a current safety and/or emission inspection (where applicable). Note: Vehicles with low mileage that are in exceptionally good condition can be worth a significantly higher value than the Average Retail price shown. Note: Add any optional equipment not considered standard on the unit (or otherwise noted). Back to Top • =~ Select Another Category 9/17/08 2:43 PM http://www.nadaguides.com/Values/ValueReport.asp?UserlD=d6113b...&wPg=1107&wSec=S&Letter=V&Com=0403&Year=1984&Model=2200034770 Page 3 of 4 ~V ~C~E,RT!lF1C,4TE`:OF TITLE F,OR:A V:EH!'C:LE ~„ ~ ~.~>' ~t~, rv- I ~~~~~ ' . . ..;:. _ . ~, . VEHICLE IDENTIFICATION NUMBEFl YEAR MAKEiOF VEHICLE MBEF ~ ~ ~ ~~ ~ ~` ~ ~ ` ~~ D~ ~~ ~ P -; ~ 1 ~ ~ ~~ ~ .~ ~ ~,'~ ~ ~•• 'DUP TVPE OD SEAT CA ~I ~ PR OP TITCE..STATE 'I ODOM ,. OI Dfd MILES I _DJr .STATU S ' ~ Y ~.:1, ~.Y L' ~ ~ ~; ~ ~ ~ ...1Y ~~ ..- ~ ~ , . , ..,, : ~ ~~~ ~ ..,. ,. : DATC OF ISSUE ~~ DATEPA TITLED UNLADEN WEIGHT .GVWR GGWR T'TLC BRAf.D ~ fr~~. 1~,4 ~crt"~h ~ ~ry ~~ ~ REGISTERED OWNER(S) t -~ f ..~-1,7ptZ-- ,' ~.1 ~~I~T",T4 ~,~ '~~.3;~ J ~ ~.1~'`~ 1 1fJc~ t'irnt i~t f ~ po luErn l ~~., `l > ='~3~ lid ~'~,AN~ ~ ..~~ ~ ~ :,+~>• _,,,, ,~ _ F r' - =r: ~ - -,i SECOND LIEN FAVOR OE ILa co-purchaser other than youcspouse~isiisted and you wantThe'title.to be lisled;as "Joint Tenants:With-Right-of'Survivorship" (On death :of one owner,~tijle~goes-.tosurviving~:owner.):CHECK:HEBE ^.:Otherwise,:.3heAiile will.be'issued as'"Tenants in:Commod" (On:death+of<one:bwner,.interesY:of deceased. owner goes to his/her heirs oerestate). -dl..a.'seccnd henhofcef pis-flsled upon saaslactio~ of Ine':,lirsl lien, 'the '~hrsl - -:Iienholtler musl'.IOrwaN_Ihis Trlleto ~lne ~~Bureau"oI ~MOtor~Vehlcles ~wilhlhe iH" LI r~ F i - ~ _~ appropriate Corm andaee.. DAT` Ry- ~ - - .SECOND LIEN RELEASED __ -.AUTHORIZED.REPRESENTATIVE - - -- DATE ~~ ~ 8Y - ~MAILINGrA !~ '~7- 7 ~AUTHCIRIZED REPRESENTATIVE ~ x'1.1, ~ ~ R ~`t~l i, ~ ~ T_.. _ 3 I ceAlfy gas pl the ldate ~ol issue, the official records or the ~Pennsylvanla DepadmenF ~'~~Ls'.-~F'i ~ i~~~7~fi ~'~{ oCTransponatfon.rellea•,ihat'the person(s)•or company.named~hereim,is'~the IawiuV ownei: - -. - - - .. ~• : of theseld_Vehicle. ~ - ~Secretary.of.TranSpnrtation. SUBSCRIBE DEAN D SV,'ORN TO~REFORE.~ME: J ~ _ L .. n J M(' 'DAY-- YEAH AGMINISIEAING. OATH '~ .BTREE7 clTr Trie wwersgnetl Jnfaoy_mahes aPPlioallon for Conlliwto: of The b"n,c vabMJn.tleacnbatl i~r aWVe..ioge i fo Ure enwmbrancea antl olfMr.lepal umms ael lonn nerd. J .SIGNATURE OF APP.DCAIJT OR.AUTHORIZEO SIGNER v °1 ST_LIEN DATE: -~':IF NO LIEN;.CHECK ~;.. 15TLIENHOCDER :~ FINANCIAL~INSTITUTIDN NUMBER L .2ND LIEN DATE: 2ND. LIENHDCDER • I STREET ~. C4TY r. -STATE .ZIP .IF NO LIEN. CHECK STATE ZIP REV-1511 EX+ (10-06) SCFIEDULE N COMMONWEALTH OF PENNSYLVANIA FUNERAL EXPENSES & INHERITANCE TAX RETURN RESIDENT DECEDENT ADMINISTRATIVE COSTS ESTATE OF f~uRSfl, ~osEPN L . , ~R. FILE NUMBER Z/- 0 7r S.Za Debts of decedent must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. ~ FUNERAL EXPENSES: ~ yens Fungal }~onn~ ~.1-~an'r csb~,~~ o~ Me ?, 307, 2a s 1,. G%~~r%~ti Memn-^~als ~' Meetiani~sbur~ ~1,dSD-o0 3. l~t~ir'es~menfis c~rnd Ftiod ~r ~ncra,~ hta.a.~ ~~'z, 25 y. 1-loly Cross C~ImL~'Gry , of {~arrisb~.~..-~ - G,r'ave e~rtirit~r e~~. ~~{ b s, v~ ~jLp, no B. I ADMINISTRATIVE COSTS 1. Personal Representative's Commissions ~.p 1 Name of Personal Representative(s) ~tt.l I/- ,~') . N LL)"S~___ ___._ ~6~Oj 38 .~. aeZ Street Address a r z .R//ends le ~d --- --- ---- City /Yl~~an i csburq State ~/~' Zip ~70SS~ Year(s) Commission Paid: _ --- _ _ _- ~ No~c : ftii s I-%s ~lo~f.~cr~ Luddr._//hrs. Hurd, hu.t /eyu/ rnside~c~c c~.~ F14. 2. Attorney Fees ~htr~es ~ ~h~ e%/$ ~ d ~ 3b, ooo•oa 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Claimant NO OrYE .FG/G/~(,E /l/O/~E Street Address City State Zip _ __ _ Relationship of Claimant to Decedent 4. Probate Fees [LVt.c( ori~i~a~ i55lgC 0,1' ~~UA'~ CQ/'tj ~iGC7,/ZS ~']~~ QO 5. Accountant's Fees Re6~,•t -aan-pltr, 'D ~' L Tai. Scr,v~ cc , eF HatrriSbwy~ ~ W Z li Pll: ~fl 25 ~11 de 1 1~ ( }i + ~ 6. r q . .- a , ~ b . M. ~ , e Ey S, Tax Return Preparer's Fees CloSeeu ~, ,3 00, DU 7. ~rG71 ~Ct:-17~1t~~CP ~r VR/u1~I70h aypDaisrc/s O~ S~,~D~oLrf~ef !/~ SS"O, v0 ~. ,~dvcrfis%nq %n Ca-~/~'s/e ~er~f~i~e / ~ ~/ P, 72 Y, ~dverfis~i~ :~ Ctcn~ 1~'/~t+~a/ ~rcu/ .T urita/ pis o0 /D . ~q~R i ~i ona~ /J~a ~r~ft ~r.~ rv ~~~s7~Zr D~ Zvi %/s ~~f 7~: DD ~ ~G~art ~nuca~) TOTAL (Also enter on line 9, Recapitulation) $ ~ t~L~~ ~~Z, (If more space is needed, insert additional sheets of the same size) P #1 FROM: '~V~'~~ Brett Lechihaler ~~`~~'~ ~'INU010E~NUMBER=~~ 16 San Juan Drive HURSH Mechanicsburg, PA 17055 :ppTP ; , . .+i July 18, 2007 Telephone Number: 717-697-1828 Fax Number: 717-697-0220 ~{~EFERENCE :, T0: Internal Order#: Chades E. Shields III Lender Case #: Estate of Joseph L Hursh Jr. Client File #: HURSH Go Chades E. Shields tlY 6 Clouser Rd Main File # on form: ~ Mechanicsburg, PA 17055 Other File # on form: Telephone Number: 717-766-0209 Fax Number: 717-795-7473 Federal Tax ID: Ademele Number: E-Mail: Empbyer ID: ~ ~DESOR)P710 .iw ~ :,~,2zs.~ Lender: Estate of Joseph L Hursh Jr. Client: Estate of Joseph L Hursh Jr. Purchaser/Borrower; NA Properly Address: 204 Allendale Rd City: Mechanicsburg County: Cumbedand State: PA Zip: 17055-3401 legal Description: Deed Book 32Y Page 315 FEES ~ ~ ~ ~ ~ ~~ }~ '~ , ~~ ;AMO UNTS 4 # 204 Allendale Form #1075 300.00 119 Calder Forth #1025 SOO.OD 29 E Orange Form #1004 300.00 i 31 E Orange Form #10D4/Discounted 150.00 2155 Rosstown Form #1004 300.OD ESTATE OF JOSEPH L. HURSH JR. so-7zs9~z313 t't' UTH M. HURSH EXEC 1 681 795 7 91 I PH. 717-795-8462 212 ALLENDALE RD. ~` ~' MECHANICSBURG, PA 17055 DATE L.~,ry~ ~ r t `„ I'AY TO THE .tf~~4~. C T ~~ 7~7~ ~ % ORDER OF JXJ~.,~!! /// % _, c S€~vereign ~~k SRS L!J ~„.,,m„,~5 MEMOi:..,~/i~~~'.Zc/ ~~ ~ '2C=.2~ ` ~.-~C----~-~I`-.i_.~--`~~'-- M' s: 23 13? z69 ~~: ~6B L 795 ~9 ail°0 16 2 SUBTOTAL TOTAL DUE ~ 1,550.00 162 ... ,.. $/S,SGt~.~,. Form NIV5 - "TOTAL tar Windows" aPPraisal software by a to mode, ins. -1-BDD-Al AMODE Appraisal Solutions (717)897-1828 P #1 FROM: ' ~' S 01 A Brett Lechthaler _ INVOICE+NUMBER" ~~~ 16 San Juan Drive HURSH ----- - - Mechanicsburg, PA 17055 - _.,DATE :, -;° _ July 18, 2007 Telephone Number: 717-697-1828 Fax Number: 717-697-0220 ..wREF.ERENCE k ;~? T0: Internal Order: Charles E. Shields III Lender Case#: Estate of Joseph L Hursh Jr. Client File #: HURSH c/o Charles E. Shields III 6 Clouser Rd Main Fiie # on form: Mechanicsburg, PA 17055 Other File # on lamt: Telephone Number: 717-766-0209 Fax Number: 717-795-7473 Federal TaxlD: Aflemate Number: E-Mail: EmpbyerlD: "'r' . . F. _...y'.. x 'gym ~ _ -gig Lender: Estate of Joseph L Hursh Jr. Client: Estate of Joseph L Hursh Jr. Purchaser/Borrower: NA Property Address: 204 Allendale Rd Cily: Mechanicsburg County: Cumberland Stale: PA Zip: 17055-3401 Legal Description: Deed book 32Y Page 315 xrEcS ..~:~ ~ -- - ~ ~ ~'s ~`,^ ?`";~ ;AMOUiVT; ~` ~ 204 Allendale Forrn #1075 300.00 119 Calder Form #1025 500.00 29 E Orange Form #1004 300.00 I 31 E Orange Forrn #1004/Discounted 150.00 2155 Rosstown Form #1004 300.00 ESTATE OF JQSEPH L. HURSH JR. so-72ss/2313 ~, 6 2 RUTH M. HURSH EXEC lssns51s1 PH. 717-795-8462 212 ALLENDALE RD. ~` MECHANICSBURG, PA 17055 DATE ~..'~-G-~2i ~ ~ f~ / j ~~jy ~C ARS 8 0,~ °~, ~.. ~~ S®vereign ~~ak` f, MEMO L ` /~~r~~.2,~~/ ~~ ~~Cl1G ~ ° ~_. ~~~ ~~ _ _~r ~ ~:23~34269b~: 16H~7951t9~++°062 SUBTOTAL TOTAL DUE $ 1,550.00 Form NN5 - °TOTAL for Windows" appraisal sotiware by a la mode, inc. - i-BOD-ALAMODE Appraisal Soiulions (717+697.1828 PAY TO THE rte/ ~+~^ ~'7~ ~ ORDER OF ~ 1/' ~(~... ~~-~iiil7 ~~` ~ '/~~-' HIGHLAND MOTOR SALES 1001 HUMMEL AVE. LEMOYNE, PA 17043 (717)763-5525 Bill To: RUTH HURSH 212 ALLENDALE ROAD MECHANICSBURG, PA 17055 INVOICE Number: 7 836 Date: November 20, 2007 Ship To: RUTH HURSH 212 ALLENDALE ROAD MECHANICSBURG, PA ] 7055 STOCK # YEAR/MAKE/MODEL MILEAGE VIN # __ Description Quanity/Hours Price/Rate Tax Amount APPRAISAL 4.00 125.00 ~/ 500.00 Sub-Total State Tax 6.00% on 500.00 Total X500.00 30.00 X530.00 0 - 30 days 31 - 60 days 61 - 90 days > 90 days Total $530.00 X0.00 50.00 $0.00 $530.00 - __ _~ ~Sl. oF' `YU~'s~l -~"©5~i?%4~ -L, ~/~? ~='i~~ moo. z/~or szz _ ---- (2. _~_ _~°'s~ Asso~~arta~ lvif~_-Su/e_ o~__ ~9 ~;_ orasr~~_st_ ~.c%.~lls~iur S©U~ oo -- -_ -- _ _ - ~ _C~s~e _~ff/erne~~ _ ~c~f_ ~fta~~/ -- -- -- __ _ -- -- - --- - - - -___ _ _- _ _ l3, ~0~~S -/~SSGG_~t~l~_ _lv_i~_ _4~1G_ G~-_~/_ F. -Or2/l4~_c~t cf~ii~t7~/IS.~~ir~ _ ~ - (~_1 _-~~~~ _z~ __~~ ____ _ _ _ _ _ _ -___ _ sso. ~o (%,~ ~CCbiY.~inq - ~'---/~ o•~-_ ~ - ~cC • off' ,~eea~,s_ of{i c e - 013. o - _ _ J _ O _ - - --- - _ --- --~ _ -- -_ L`f. _ _ __f~a/d~fa~a/___ cSfiort_.__C_ert~'~i~'cat~s _ ¢So, ov-- - /S_'..C-- _CDSTJ__~F~U,~_E~Xf~NSE3____!~SSb~t~T~'D_ Ld/TJ4! ?~E.__/KE _ ~'/Ch!E~/3 E'!PG_t~i'__ _ _ _-_---- - --- ______ ____ -__-_ /¢GfC~loy~f_._-- ---_____ ____ _-___-_ -_-_- ___ _ ___ ______ ______ -_ _ _ _ __ __ --_--_----____. . _. _ __ -- ~ 11 - - --- ~•~~ -~- - . // _~i~~,~.oheers __(,!1/{fA~/_.~S'I-oti_= ~ 33 -_Q,_~BB=-- - - - --- --- - _(~ J r ~unncrJ__~y__`fQ_6o.o0_= ~ ~Yo D° _ - _ _ -- -- ~y, ~ __-- -- -_ ---f---- ~ ~ !n%sc. ~x ~s~s Scf ~- Cx~S~g_ -=--3 7qs G4~ --_ _ _ __ - -- -----/'-----~-- ----~' _-yr _ _ - ---- (5;1 ~ - _ _~i~~Fr_ ~ti ' _~DD, oo ._ - !~ l ._ ._ - - - __. __ _-~~/ G~c~ise =- _ _ S 390_.2./ _ _ ~ - - -- _- _ _-- __ ___- ______.!; -__~1_ ,~, ~ , ._~u_c,_o~eerJ_~o~1tiJ~iSS_on _ =_ .1,_70•_?~ _ _._ __- _ _ _ ____ ____ _ --_____ -----_ ______-___, _. _ __ . ~~1 _ ~, _ Go °~ - _ uf117Gr_x- ._ _ __~ -~- ---_ _ ____ _ ~ ofl _ 3Go• ____-__ ._-_.__ - -- - ___ _ - - - -- --- - _ _ - _ -- -- _. -~Y~l --.Tnz` - ~bD. ° ---- ---- ___- - - - -_ _ _ _- - __ .. ~_ _ _ _ , _ _._ _ _ -- _ - ~-~~ _ _ r ~ f~Gcr~etreers. ~MM; s'S%on =- _ f b51._~~ _ __ - - _ - _ - _ _ _ _ . _ __ o,oo ~ - - _¢~~4_~ ~o -_ ~' - ~~',)_ - - .___ d lh~;~c. ~.per- es, _~`-rr,~ _~ q~j GO•"fl -= LaO,`~° lofa/~'~~~e '=_ ~, 57~ 54~ _ - - -_ ~ _(NCt~ L~uu7o/1GerS _ ~~LeerS GL~ - ~i _ ~S`C'~-~• ~~ - _ _ - __ _ - - 14.. -i 7. - __ I~.. - - - _ - /~Pr~liJdl /-ee_- la"'I'ab,(e _ 14?_ L! 6• _,Q~Ser~•lol. - ~2ao, ov -/~ ~~ ~J~t fox ~ k~wn,~ 6~ ~~~~- ~`1/ 9. ~a ~ Fey tat ~ri/l it~ e cn ~/ ~- ~e r mbu rScmon~ ~O_ G'1~a rlgs ~. ~Sd,'~lJs ~~ ~r - 02 ~x~r~~/~~iGG! CO~!/C,S D~` Lust W,'1/ a.•u/ i~t'fa~unt ~~.:! ~ icy%tfrT o~ !N~//s ¢~a, oa .C-ST. of- ~ui~.S,y_ T SE~?i~,/ _~._ ~/P __ - ____ F/LE /vD.__ Z/ _ 6 7- SZz - -- __ r 9._ ~e_i~t6t~rsG~_-~"__n-~_ r~~~s _~' ~SI,'e~d.~_~ _ _~r___ -a~ssQ~t~! _eE~f,'~ear /rl~/n~s, O~e~aye ,.len ___a~tte ~•~!~.,1~~~eod~s, ~~-_Cesh%~~ X97.20 - ~ _ - - __ ----- ao._ ~ _.~ /ht~isimcrf~ ?"!'_~,drk-- ~ Z9-3/-~ dry ~r,~*~ 1 ~ ~,'` _ / - - =~/ _ ~_-_~~' ~nc/ /ylofbr o~'afes ,~r _q~y~.Ja/ m~ `12~idatl__ /1?D,lnr f'~l,c1~,f - -- _ - _ _ -- - - - --- --- i- -in--lo/1~tCU~an cv-~ -~r~ --~a1e 6y _ 2Ka ~Lla ~!,~cr,_~~a~eer__ - _ ~S3o. ao ?~, lofa/ ~Ja:q! _,~~ ___ 7% f~c ---~,5 JS^ac~s _ ctnel__!~?S-t~-!r~ - - - -_ - _ - _ _ _ _ ~/ 3 0 ao _ - -- -- --- -- -- -- --- ---- ~},~ / /~ 1 _ _ _ -~ ~ - - - --- - ---- _ -_ ~ f!, -- L/n~!o_ /!Q'~/, -- c.--~' leG_0-~~-'', -yu!1f3Y_;1_!~ ----- - -- _ _ _ -- _ _ _ -- - ~<_~l ~, zo -_ _ ri's ,~ - ~ _ -- -- - -- __- -- -- --- ?~r~_ ~s~xc- . _ . __~.~ _r,~jae~is___sr~f_ ~ Z~--~ _ ~~~r__s5't' 6%ra~d~un~ _ ._ ~ S o f~/ 06 - _ - - - - --- ---_ ~s_ _/_~~~-_u~c__of-_G_u~ _-~J: ~~~,rr~ _{-r ~.c,~r~~c_~_..~Qu~,e~oir_'o/e,~c~2'' ---_ - /35: ~ -- -- -----__ ----~1- --/k/ ~v~_ e__-~-~-~s~r_~Q -__~!~bi_r~l,E- L.~~'._~- ------ ----- _ _ ___ _ - __-__-_ . ~.za3 . ~3-- -- -- - _- ~~_-~-/~a~%~----to-D-~-- a°-~iletl_~41e--1~4!..--__ ~C`1t~n2t~S6~ryf ~4 __ _ _ _ - - ~~v er see rS G ~ - - 9~ ---_ _ ---- - ----, ---~---~ ~ -- -- !-_Q~t~~~~-~ _ - _- - --- - --- -- __- _ -- - __-_ _ `x.5'90- __- 3e. ~ i4a'.n~n_ -~'_r--~,---/~9-~/~r!e1-_~S~t.__ ~%arr_iS~lu!~ -~ -Pi,~ e - sic p, _ _- - -- - --- - - ------- .3~- %~'~i7 _~es~ mgr--- ~~s~vc~ ~fa!,__Lew,s~r.~~.,_~ ~?~,~,~_ ~~ -_.- _ - __ __ _ _ __ - s!__~~1_ _ _ ____ -_ _ _ _ _ _ __ ___ _ ___ __ ___ __ _ - _ - _-_ _~,- o~ ~ -6~_ _- -_ _ - - --- -- ~see_S~ed!_ G~i~~~~~_ /- _ -_ -- --- _ -_ ---- ---- ---- - - __ _ -___ _ _- -_ - _ _ - __--_ ~9os z / _ _ _ _ _ 3~~--_1~~1%~ -~~ _a~---25~5__Ga~u~iaa!_.dr.,_ t_S~k~f3_r%%!c~ -~~anta ~r_'q~?~ ~- !? /S~zo ---_- -- ---- - - ~sce _sc_a_,ex~~~ids~_-~r~itc~l __ _ ----- --_- - __ _-_ - _ ____~ _ `~ ~ U.S. DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT m.~i ~ ' f ~' ~y"~ ~ (OMB # 2502-0265) (Expires 11/30/2009) `A. HUD-1 UNIFORM SETTLEMENT STATEMENT 8. Type of Loan 1.[ ]FHA 2.[ ] FmHA 3.[ ]Conv. Unins. 6. File Number: 7. Loan Number: 8. Mortgage Insurance Case Number: 4.[ ] VA 5.[ J Conv. Ins. C. NOTE: This form furnishes a statement of settlement costs. Amounts paid to and by the settlement agent are shown. Items marked "(p.o.c.)" were paid outside the closing; they are shown for informational purposes and are not included in the totals. D. Name & Address of Borrower: E. Name, Address & TIN of Seller: F. Name & Address of Lender: Cumberland Npn ProfiYHousing Corp Ruth M. Hursh Executrix of the Estate of Joseph L. Hursh, Jr. Shippensburg PA 17257 G. Property Location: TIN of Seller. H. Settlement Agent: 29 E: Orange Street Place of Settlement H. Anthony Adams, Attorney Shippensburg; RA 1.7257 49 W. Orange Street, .Suite 3 Boro of Shippensburg, Cumberland County Shippensburg, PA 17257 1. Settlement Date: December 20,.2007 J. Summary of Borrower's Transaction K. Summary of Seller's Transaction 100. Gross Amount Due from Borrower: 400. Gross Amount Due to Seller: 101. Contract sales price 50,000.00 401. Contract sales price 50,000.00 102. Personal Property 402. Personal Property 103. Borrower's settlement charges (line 1400) 1,095.50 403. 104. 404. 105. 405. Adjustments for items paid by seller in advance Adjustments for items paid by seller in advance 106. City/town taxes to 1.16 406. City/town taxes to 1.16 107. County taxes to 407. County taxes to 108. Assessments to 408. Assessments to 109. School taxes to 95.15 409. School taxes to 95.15 110. 410. 111. 411. 112. 412. 113. 413. 120. Gross Amount Due from Borrower 51,191.81 420. Gross Amount Due to Seller 50,096.31 200. Amounts Paid by or in Behalf of Borrower: 500. Reductions in Amount Due to Seller: 201. Deposits or earnest money 501. Excess deposit (see instructions} 202. Principal amount of new loan(s) 502. Settlement charges to seller (line 1400) 500.00 203. Existing loan(s) taken subject to 503. Existing loan(s) taken subject to 204. 504. Payoff of first mortgage 205. 505. Payoff of second mortgage 206. 506. 207. 507. 208. 508. 209. 509. Adjustments for items unpaid by seller Adjustments for items unpaid by seller 210. City/town taxes to 510. City/town taxes to 211. County taxes to 511. County taxes to 212. Assessments to 512. Assessments to 213. School taxes to 513. School taxes to 214. 514. 215. 515. Borough Sewer and Water POC 216. 516. 217. 517. 218. 518. 219. 519. 220. Total Paid By/for Borrower 0.00 520. Total Reduction Amount Due Seller 500.00 300. Cash at Settlement From/to Borrower 600. Cash at Settlement To/from Seller 301. Gross amount due from borrower (line 120) 51,191.81 601. Gross amount due to seller (line 420) 50,096.31 302. Less amounts paid by/for borrower (line 220) 303. Cash ~X from ~ to Borrower 0.00 51,191.81 602. Less reductions in amount due seller (line 520) 603. Cash ^X to ~ from Seller 500.00 49,596.31 Substitute Form 1 Q99 Seller Statement The information in Blocks E, G, H, I & line 401 (or, if line 401 is asterisked, fine 403 and 404) is important tax information and is being furnished to the Internal Revenue Service. If you are required to file a return, a sanction will be imposed on you if this item is required to be reported and the IRS determines that it has not been reported. If this real estate is your principal residence, file Form 2119, Sale or Exchange of Principal Residence, for any gain, with your income tax return; for other transactions, complete the applicable parts of Form 4797, Form 6252 and/or Schedule D (Form 1040). You are required to provide the Settlement Agent (named above) with your correct taxpayer identification number. If you do not provide the Settlement Agent with your taxpayer identification number, you may be subject to civil or criminal penalties imposed by law. Under penalties of perjury, I certify that the number shown on this statement is my correct taxpayer identification number. G~~/~r~~~A~y~2i,~~~~ ~~~~y (Seller) (Seller) L. Settlement Charges ' 700. Total Sales/Broker's Commission: (based on price) $ 0.00 °!o Paid from Paid from Division of Commission line 700 as follows: Borrower's Seller's 701. Funds at Funds t 702. 703. Commission aid at Settlement Settlement a Settlement 704. 800. Items Payable in Connection with Loan 801. Loan Ori ination Fee - 802. Loan Discount - 803. A raisal Fee 804. Credit Re ort - 805. Lender's Ins ection Fee - - 806. Mort a e Insurance A lication Fee 807. 808. 809. 810. - 811. 812. 813. - 814. 900. Items Required by Lender to Be Paid in Advance 901. Interest from to $ er da 902. Mort a e Insurance Premium for 903. Hazard Insurance Premium for 904. 905. 1000. Reserves Deposited with Lender 1001. Hazard insurance months $ er month 1002. Mort a e insurance months $ er month 1003. Cit ro ert taxes months $ er month 1004. Count ro ert taxes months $ er month 1005. Annual assessments months @ $ er month 1006.School taxes months $ er month 1007. 1008. 1009. A re ate Accountin Ad'ustment 1100. Title Charges 1101. Settlement/closin fee 1102. Abstract/title search to A& A Abstract & Settlement Services , LLC 1.07.00 1103. Title examination 1104, Title insurance binder 1105. Document re aration 1106. Nota fees 1107. Attome 's fees to H. Anthon Adams, Attorne 450:00 (includes above item numbers 1108. Title insurance fee to Bankers Settlement Services Ca ital Re ion (includes above item numbers 1109. Lender's covera e 1110. Owner's covera e 1111. 1112. 1113. 1200. Government Recording and Transfer Charges 1201. Recording fees: Deed .38':50 Mortgage Release 38.50 1202. Cit /count tax/stam s: Deed 500.00 Mort a e 500.00 1203. State tax/stam s: Deed 500.0 Mort a e' 500.00 1204. 1205. 1206. 1300. Additional Settlement Char es 1301. Surve 1302. Pest Ins ection 1303. 1304. 1305. 1306. 1307. 1308. ldnn_ Total Settlement Charges (This Number Transfers to Lines 103 8~ 502 Above) 1,095.50 500.00 I' have carefully reviewed the HUD-1 Settlement Statement and to the be s of ~ kniowNedge and fc~{ it7i ~ tr e a d `ccu~afe` stater 1~ent of all receipts and disburse n s ma e o y a t o me In this nsactlon. I further certi that I have rec ~e a co gt the ~ D-1 Settl me entSt tement. Seller ~,~` ~,._{~ rawer • ~ r ~ ~' / ~~~ Seller Borrower \ To the best of my knowledg the HUD-1 Settlement Statement which I have prepared is true and accurate account of the fu ds which were received and have been or will be dis ur rsigfied35'p of the settlement of this transaction. ~ ~ D '"~ Settlement Agent / Date WARNING. It is a crime to knowingly make false statements to the United States on this or any other similar form. Penalties upon conviction can include a fine and imprisonment. For details see'. Title 18 U.S. Code Section 1001 and Section 1010. U.S. L`EPARTMENT OF HOUSING AND URBAN DEVELOPMENT ~ ~ ~> ~~dp. "'' ~nnncz 3t oFm mca~ i~.,_:___ ,,,..,.,..,..._. A. HUD-1 UNIFORM'SETTLEMENTSTATEMENT B. Type of Loan 1.[ ]FHA 2.[ ] FmHA 3.[ ]Conv. Unins. 4.[ ] VA 5.[ ]Conv. Ins. 6. File Number: 7. Loan Number: 8. Mortgage Insurance Gase Number: C. NOTE: This form furnishes a statement of settlement costs. Amounts paid to and by the settlement agent are shown. Items marked "(p.o.c.)" were paid outside the closing; they are shown for informational purposes and are not included in the totals. D. Name & Address of Borrower: Cumberland Non Profit Housing Corp _ E. Name, Address & TIN of Seller: Ruth M. Hursh Executrix of tfie Estate of Joseph L: Hursh, Jr. ~ F. Name & Address of Lender: G. Property Location ~ TIN of Seiler. H. Settlement Agent: 31 E. Orange Sfreet Shippensburg, PA 17257 Place of Settlement 49 W. Orange Street, Suite 3 H. Anthony Adams, Attorney Boro of Shippensburg, Cumberland County Shippensburg, PA 17257 I. Settlement Date: December 20,.2007 J. Summary of Borrower's Transaction K. Summary of Seller's Transaction 100. Gross Amount Due from Borrower: 400. Gross Amount Due to Seller: 101. Contract sales price 55,000:00 401. Contract sales price 55,000.00 102. Personal Property 402. Personal Property 103. Borrower's settlement charges (line 1400) 1,145.50 403. 104. 404. 105. 405. Adjustments for items paid by seller in advance Adjustments for items paid by seller in advance 106. City/town taxes to 2.67 406. City/town taxes to 2.67 107. County taxes to 407. County taxes to 108. Assessments to 408. Assessments to 109. School taxes to 95.71 409. School taxes to 95.71 110. _ 410. 111. 411. 112. 412. 113. 413. 120. Gross Amount Due from Borrower 56,243.88 420. Gross Amount Due to Seller 55,098.30 200. Amounts Paid by or in Behalf of Borrower: 500. Reductions in Amount Due to Seller: 201. Deposits or earnest money 501. Excess deposit (see instructions) 202. Principal amount of new loan(s) 502. Settlement charges to seller (line 1400) 573.00 203. Existing loan(s) taken subject to 503. Existing loan(s) taken subject to 204. 504. Payoff of first mortgage 205. 505. Payoff of second mortgage 206. 506. 207. 507. 208. 508. 209. 509. Adjustments for items unpaid by seller Adjustments for items unpaid by seller 210. City/town taxes to 510. City/town taxes to 211. County taxes to 511. County taxes to 212. Assessments to 512. Assessments to 213. School taxes to 513. School taxes to 214. 514. 215. 515. Borough of Shippensburg PqC 216. 516. 217. 517. 218. 518. 219. 519. 220. Total Paid By/for Borrower 0.00 520. Total Reduction Amount Due Seller 573.00 300. Cash at Settlement From/to Borrower 600. Cash at Settlement To/from Seller 301. Gross amount due from borrower (line 120) 56,243.88 601. Gross amount due to seller (line 420) 55,098.30 302. Less amounts paid by/for borrower (line 220) 0.00 602. Less reductions in amount due seller (line 520) 573.00 303. Cash ~X from ~ to Borrower 56,243.88 603. Cash ^X to ~ from Seller 54,525.30 Substitute Form 1Q99 Seller Statement The information in Blocks E, G, H, I & line 401 (or, if line 401 is asterisked, line 403 and 404) is important tax information and is being furnished to the Internal Revenue Service. If you are required to file a return, a sanction will be imposed on you if this item is required to be reported and the IRS determines that it has not been reported. If this real estate is your principal residence, file Form 2119, Sale or Exchange of Principal Residence, for any gain, with your income tax return; for other transactions, complete the applicable parts of Form 4797, Form 6252 and/or Schedule D (Form 1040). You are required to provide the Settlement Agent (named above) with your correct taxpayer identification number. If you do not provide the Settlement Agent with your taxpayer identification number, you may be subject to civil or criminal penalties imposed by law. Under penalties of perjury, I certify that the number shown on this statement is my correct taxpayer identification number. (Seller) (Seller) 'L: Settlement Charges 7/l!1 T.. L..1 l+~I__~r~__~___~_ ~__ ____. .. _...- . ~• ~ ~~a~ ~a~~„o~~,~C~ s .,~rtuntsston: toasea on price) $ 0.00 % Division of Commission line 700 as follows: Paid from B ' Paid from ' 701. orrower s F Seller s 702. 703. Commission aid at Settlement 704. 800. Items Payable in Connection with Loan unds at Settlement Funds at Settlement 801. Loan Ori ination Fee 802. Loan Discount 803. A raisal Fee 804. Credit Re ort 805. Lender's Ins ection Fee 806. Mort a e Insurance A lication Fee 807. 808. 809. 810. 811. 812. 813. 814. 900. Items Required by Lender to Be Paid in Advance 901. Interest from to $ er da 902. Mort a e Insurance Premium for 903. Hazard Insurance Premium for 904. 905. 1000. Reserves Deposited with Lender 1001 Hazard insurance . months $ er month 1002. Mort a e insurance months $ er month 1003. Cit ro ert taxes months $ er month 1004. Count ro ert taxes months $ er month 1005. Annual assessments months $ er month 1006.School taxes months $ er month 1007. 1008. 1009. A re ate Accountin Ad'ustment 1100. Title Charges 1101. Settlement/closin fee 1102. Abstract/title search to A& A Abstract & Settlement Services , LLC 107:00. 1103. Title examination 1104. Title insurance binder 1105. Document re aration 1106. Nota fees 1107. Attorne 's fees to H. Anthon Adams, Attorne 450.00 includes above item numbers 1108. Title insurance fee to Bankers Settlement Services Ca ital Re ion - (includes above item numbers 1109. Lender's covera e 1110. Owner's covera e 1111. 1112. 1113. 1200. Government Recording and Transfer Charges 1201. Recordin fees: Deed'?38.50 Mort a e ' Release 38.50 1202. Cit /coun tax/stam s: Deed 55Q.00 Mort a e 550.00 1203. State tax/stam s: Deed 550.00 Mort a e 550.00 1204. 1205.Record POA 23.00 1206. 1300. Additional Settlement Charges 1301. Surve 1302. Pest Ins ection 1303. 1304. 1305. 1306. 1307. __ 1308. 1400. Total Settlement Charges (This Number Transfers to Lines 103 & 502 Above) 1,145.50 573.00 - CERTIFfCATION - ,• i I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowle~q ~ and~/jef, ~ .~ a tru~nd~acurate statement of all receipts and disburse m o y a nt a y me in th' ra a n. I further certify that I. ave rec Ivetl py of the 1 ettlement Statement. Seller ~ / ~~ ~ Borrower ~(• ~ ~ r Seller Borrower To the best of my kn le ment Statement which I have prepared is true and accurate accou t of the unds which were received and have been or wil Is r d by dersi ed as part of the settlement of this transaction. ~~ Settlement Agent Date WARNING: It is a crime to knowingly make false statements to the United States on this or any other similar farm. Penalties upon conviction can include a fine and imprisonment. For details see: Title 18 U.S. Code Section 1001 and Section 1010. RECEIPT FOR PAYMENT ------------------- ------------------- GLENDA FARNER STRASBAUGH Receipt Date: 10/10/2007 Cumberland County - Register Of Wills Receipt Time: 15:18:56 One Courthouse Square Receipt No.: 1050172 Carlisle, PA 17613 HURSH JOSEPH L JR Estate File No.: 2007-00522 Paid By Remarks: CHARLES SHIELDS ESQ WZ ------------------------ Receipt Distribution ------------------------ Fee/Tax Description Payment Amount Payee Name SHORT CERTIFICATE 80.00 CUMBERLAND COUNTY GENERAL FUN ---------------- Check# 1021 $80.00 Total Received......... $80.00 BANKOFHANOVER July 16, 2007 Attorney Charles Shields 6 Clouser Road Mechanicsburg PA 17055 Dear Attorney Shields: I am forwarding to your attention a bill we received from Diebold for the drilling of safe deposit box number 313, registered to Joseph Harsh Jr. We drilled the box in your presence due to his mother and executrix Ruth Harsh being unable to locate the key. Please forward payment to my attention at your earliest convenience. The total amount due is $119.80. A copy of the bill is enclosed. Please make the check payable to Bank of Hanover, and forward to me at the address listed below. Should you have any further questions, please feel free to contact me at 717-432-9625. Sincerely '~ Jo nna L Fink Community Office Manager 3405 Rosstown Road Wellsville PA 17365 j if enclosures ~ ~ R~C~~IVED afUL 7 ~ 200? PL.EaSE REr~(IT' To: '.~~~ ~~~~ ~-~ P. ~t~. f3t~X 64.3543 ~tJSTO("(E(? SEf~'.1It:,'E GROUP PITTSBURGH. PA i~:~64-3543 L, r E=nnLl; FEDEf RL I T} # ''•~-r x S3~'7r; PHOhaE 33a i 45'O -3r_.ElS [USTOh7EF? r~lO C~~1LL. i~(O, P. ~: C1F2 RE~"EREfi~lGE INV.C7L:GE DATE If+(VOICE h(C3; aa367~7~a ~53934a a7'ta4t07 ~r7a93223 L STERLING F'INf~ha~ IaL C U(~tP+'?kP, f It~-r~ S, E R V I C E L O G A T I O ha fi ~-~TThyl: .JQD1" I~.ILLIr~ha I~#Aha(F. t.~F HR,t~13VER AhdL~ 1"F?iJST C~Jh'fP~,h(Y L CG'haVEhaTIC)ha ,L I-fILLThaG ;~T3C>(?ER3 f?3SSVILLE ERRN~H r X49 E (~.IhaG STt1=,4CILT'fi"IE5 I)I',:'ISO('a C'a3-64:3 ~34G5 RrJSSTL~Wfi+I RORi~ ~ ~r ~ 1^ cp i ~ t ~, L r ur-~.~T,_., PF; ~.. •~rJG WEL.LSVILLE f'a 1'7365aaGC ~- SITE ha0: Oat i 56 '4O C7 REC~2UES'rE"D 13Y: JC7RPdNE~ i~IhaEf. L)]:EBLILD REP: T LEF9R C,UMP DF~TE: a?ta2tC?7 DE~GR IP'T.IO(~[ ~:,r;FE DEP©3IT L'oX.E~ DR IL(_IhaC i C~ ~BG. GC) TRIP ~Pa£) 3~_!PPLY RDJUST!"(Eh(T i C~ ~5. GO S,L, L.nC:fi~;. Dfi~ F!F SG SQ.c~ 444G i ~ $34. 8O ,~u~-:~~:: .~ .- f'ER RECYUES'r~ TEG'HNIC;7:Ary_ LiRILLEr- •.~_rf~F'E rJEPOSIT L'~o.X. _. 1 #3i~.., REPL~DF_L~ LCIOI~.~ ,'~hal) TESTED ECIR PROPER ~ aPERaTIOha. Affiliate: ~ ~_ Vendor Total Amt~- Description: & M Budget Line # GL Name RP Dep # of Years GL Acct # `5102340 j Dep Start Perio GL Cost Center !' -- Approved b Name:f Anas ce Miller Extension 55_ 479 _~ _1~~. 3 :~7, _ , ..... 1 ~SYC gyn. ~.-awa+~=rc _~ SERVICE TOTAL PARTS TC3Tr~L oa. as 39. ~a STATE AhlD LDCr"L TAX _fEf.MS: DUE UPC]rJ f~EC:EIPT ~MC7UAIT DUE FORM N0. 2297-1 REV.~11/98 IMPORTANT INFORMATION ON REVERSE SIDE 1 x 9. 80 oa x x ~_ ~a RAY E. M~IIVIlVIIi;RT ~ ?~ ~ t 2000 Orrstown ~d. "` Shippensburg, PA 17257 CUSTOIv1ER'S ORDER NO. DEPARTMENT DATE _ ,~- ~;~ T - ~., ; ~, NAME - - ' ;~ -;! f= ADDRESS CITY, STATE, ZIP - SOLD BY CASH ..f'.<°; C.O.D. CHARGE ON ACCT. MDSE RETD PAID GU7 C]UANTITY DESCRIPTION PRICE AMOUNT 1 2 4 ,. - 6 *; _-_ 7 ~ .^.~.,v r. r,r~ ~: 8 _ __ 9 11 12 13 14 15 16 17 18 19 20 N 7i ~;; ;I ", PAl' 1'O THE ~ oaDaa ox_ ~' ` ,~ ~~ ~ ~~ ~>~~ ~ 60-7269/2313 1 8 1 1681795191 r--s _ DATE ~~"~' '~ ~~ ~ ~- ~ ~ ~ ~ ~~`' ~, ~ ,,qq DOLLARS U o.,.~.~~.JeS 1= %~~ S®Ye~eign ~' MEMO `'/,///~~ ~ ~ d.~`"1~ .~~~~~_-. ~~~.__1 ~~-l~ _. c~_.,_~~.__. nm _ ~--- I~ I: 23137 26910 16~ 17R5 19 111°0 LB 1 ESTATE ®F JOSEPH L. HURSH JR. RUTH M. HURSH EXEC PH. 717-795-8462 212 ALLENDALE RD. MECHANICSBURG, PA 17055 CST. O~ ,4~il~S/,~, TosE~'i h~ L. , /R. f~ /LE ND, o7il-oT-Szz /. _~ayabla ~a_- •jGtsos~-_os~/iack~.~~_ Tf:'e _~dshrxr~r_-_ -__ _ __ _ __ 308 Lon~meaa!ow-~f. -- __-- - -- -__- -__ _ _ __._- _ _ ___ _ - /Yl eG~tar ~CS_~,ccr.~, _. P!~-- I7osS ---__ _-_----_ _ ---- - - - - ~4; ~ _.v. ant ,st. ~s~G~/~~ - -- ~5 7 _ - _ Pte~~scs ao. ao _ _ - ___- __ ---- - _ _ _ , __- -_ _ _ _ f ~ -- v. -__ R -- __- _____ -- __ -_ __ ___ - - ---- _ _ -- ~ 9~. I --__ - - - -__ - -- _- -- - - __ - - _ _ --- n- -- f /`~/lL,~~~__ !o -_~r /G7~~/ 1~ W~~~n~K}__Tri~olti+i~~--~6ST~.G7 _~1~itC_ - - -_ - _ _ _ __ - -_--- -- ---- - O S _._fl.- -- --- - /~/'E~11iscS_-_.Z/SS.__ ~of;l~kl_~c~, _~e_[t/iS~C!'y J O.D . __ ~~Pim1,Nr~a,!?~c_ ~_ C/'tur/rs _f,__ ~t.tc~its_ i~---'~s _!~._ ~o_~'_ a.tliva~.~l~ _ -_ ___ _- _ _ - _ _ _ - _ -- __ _ -- _ - - I - _ - _ _ -_ _ _ - Charles E. Shields, 111 Attorney-At-Law 6 Clouser Road Mechanicsburg, PA 17055 citizens sank 5021 3-76151360 08/01 /07 Pay **One Hundred Fiffy And 00/100 Dollars********"*********************************************{ to the Order of TRI-County Abstract Service 3414 Chestnut Street Camp Hill, PA 17011 $150.00 ~~~~~?s Authorized Si6mature II'00502~11' ~:036076~50~: 62~555~24811' NAME: TRI-County Abstract Service 5021 CUSTOMER NO.: DATE 08/01/07 INVOICES WITH PAYMENTS: INV. DATE INVOICE NO. P.O. NUMBER AMOUNT DISCOUNT AMOUNT PAID 06/22/07 07-1088 - %~~=~ s i-~ ~s %~ 50.00 0.00 50.00 06!26/07 07-1109 - i cam. a,~r/~ psi 50.00 0.00 50.00 08101 /07 07-1335-~ /~,, ; ~ t~ ~ Se.-. 50.00 0. DO 50.00 AMOUNT BILLED DISCOUNT TAKEN AMOUNT PAID THIS CHECK 150.00 0.00 150.00 YEAR TO DATE 150.00 0.00 150.00 GLENDA M. WETHINGTON TRI-COUNTY ABSTRACT SERVICE 3414 CHESTNUT ST. CAMP HILL, PA 17011 Bill To SHIELDS, CHARLES E. III, ESQ. 6 CLOUSER ROAD MECIIANICSBURG, PA 170SS ~` I~n~oice Date Invoice # 6/22/2007 07-1088 P.O. No. Terms Project Net 30 Quantity Description Rate Amount I YORK COUNTY CURRENT OWNER SEARCH: HURSH: 2155 ROSSTOWN ROAD, WARRINGTON TOWNSHIP 50.00 50.00 Tota I ~SO.oo 5 ~/~tC.a ~~ ~~~1//lY ~"}tdS ~50~`. try/TN ~F.i~ TY ~~' ao y /~~~iVDA~" a~~D, ~FCy~y~Cs~ k~G _-_ _ y~~ - ~o ~ _ _ ____ - - -- __ __ . _ _ _ -__ ~ ~ _ _ -(.~%l~or_ /-~/11~O~rJ/!~'__~%! _- __!yGr!~G fi~ir,S - ~~~a, ___ - ~o/IZP.owMsf --. -- fiL~trJ~tZ - /~~S _ - CD%~o_. - 4- _ _ ~~70~ . 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MCCALEB ATTORNEY AT LAL'J 100 JEFFERSON STREET SOUTH SL11TE 100-A HUNTSVIL>,E, ALABAMA 358ot {756) 5s4-3794 FAX 1258) 539-9577 pHfvl418@AOL.COf~^, September. 2, 2008 C:~larles E. Slzields, I.II b Clouser. Road Mechanicsburg, ~'A. 17{~~5 Re: Estate of Joseph L. I-Iurslz., Jr., deceased Property in Huntsville, Alabarna dear Mr. Slz.ields, ,~,.ccording to the State o,f Alabama Deptartrrlent of Revezxue (~rww.Revenue.~L. ov) personal rcpresezzta.tves (Formally ~..ztown as ~~ecutors) are not required to file any report (return} for per5t~ns who died after December 31, 2005. I hope tlzi.s intormatiozz will. assist }~otz in tlae above referenced estate. Very 'T'zuly Yours. Ro er H. McCaleb REV-1512 EX+ (t2-03) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE 1 DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS ESTATE OF N U RSH, ~IOSEPfjI L,, ~~. FILE NUMBER a/-o~-,52z Report debts incurred by the decedent prior to death which remained unpaid as of the date of death, including unreimbursed medical expenses. ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH ~ t~3,~NK of A/j1E]'t' It:A , Cre d ~ f ~CCf. Nv. yl5/7 ,3~/D //b & 85~G y X33 8. ~3 a C/N~kL~~ W/RECESS, /~~}. No. ~(00 SGy o70 'fjo~ ZZ 3 .~ /s CovEn GA~e.~, Cry, f ~. ~vo. ~ o/l o oa3 / Y~y 1 z 3 y ~~ z z , s3 Co/riC~iST - billlnys a~a~ cR S~/,+~l~c/~S~Hr9 ,,oro,,uerfy ~`f.5, 7y ~; S Us ~~1/ /LI~C'2~ z0 - ~vr /Um/q,ri2.~hoh etc ~/4%Oi 7~ rry/ S,. OGa (o . Ca/NcaSt -, Fee ~ rpP/ace rri~,ri.~~~ doti I 'P ~ ~.~'b 7. PENiY~. ~~ Df= 7.e//NSPD/2T~T/DN ~%//.'ny ~er ~o0 2 1 fair, Tna ~%r d/N SJTf1 U 1 ~ 17 I A Do v 14 3 -- Re~/isf-'. Fee . C krrent yr- R!o . ov !1- .~~ fc~~i'a,~aly ~~ /aft ~ Cor.~~ ttia~ e.-~Gr o ~° dui/. ca~ia~ ~ D -' ~` ~ov~RE~`N l3.~K - Loan fly /Vo. (8 /90 /9~ ~7 ~" -?, 336, a/v /D, SodE~E76~v ,l~~sViE' - ~:rra/ ~ay~o/~ en .L{~yt % ~Lbove '4~-9.~'.3 ~(, ~/~, ~OE/n% O~ KFVENKE - ~~RSoN~ /Neo~'-t.E ?IfX ~a/S, DD ~. U. s. T2E,~u2y ~ ~~o, op J3. A/S Cvv~~ ~i~,eD ~ 7Y. 7/ TOTAL (Also enter on line 10, Recapitulation) $ I ~j , 7 / j', Yg (If more space is needed, insert addilional sheets of the same size) 0/17!2005 THU i4:Oi F'h Court ~rdcrcd Processing 1 Deccdcnt~ - MA]-MB3-4?-i0 - P. U. ~~x X41005 - I3ost~n., ~~ 02~R4 August 15, 2D47 Charles E. Shields, ill Attorney at Law 6 Clouser Rd Mechanicxburg, PA 17Q55 RE: Estate of Joseph L Hursh, Jr Date of Death: 8i'13i07 Dear Charles E. ShielG~s, 11f: ~J001/002 Per your request, enclosed please fnd the account information as of the date of death far the above-named decedent. For your information, accrued interest is not included in the date of death balance. Please feel free to contact me if f can be of any further assistance. Very truly yours, _ 7 /~/ice=- ~,~~ t ~-7~~~ ~y'~zC:-; ~~~' % NV Laurie DiGian omenico Team Leader 617-533-1789 ua%.~,~~uas THL' ~a: oz ~Fx S4~'e~exg,o ~a~~ f~J~)0''IOQ2 ESTATE OF Joseph L.1-llu~sh, ,ir. SOCY?~. SECURITY #: 154-3~-0243 DATE OF d7E~TI-I: Iy1ay 13, 2007 Account ~: N-6819019777 Type: Home Equity Credit Line Olsen date: 6i25~`2002 In the name ot': Josepk~ J,. t~ursh. >i?ate of Death I3alaucc: $2,33b.06 {d.o.d. payoff $2,350.58} Int.(YTD) from t0 t~ccrued xntcrest to date of death: Other Info: Closed b/18/07 A,ccoa:nt #: 1681791552 In the name of: Joseph L. Hurst Type: Checl:in~g Open date: 3/23/2006 Date of Death Balance: C'~losed prior Int.{I'TD} from to n/a Rccrued interest to date of death: ri%a Jther Info: Closed 9129!06 $357.41 Recount #: 2331055262 Type: Checking Opea date: 8I2I2004 In the name of: Joseph L. Hurst D:~te of Deaath Balunee: Closed prior Int.(YTD} from to n,~a Accrued interest to date of death: n/a Other Info: Closed 4/15/05 $349.93 REV-1513 EX+ (9-00) SCHEDULE J COMMONWEALTH OF PENNSYLVANIA BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER NUR,SN, JosE~i~/ L,, ~'- a/-o 7- Szz NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY RELATIONSHIP TO DECEDENT Do Not List Trustee(s) AMOUNT OR SHARE OF ESTATE I TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under Sec. 9116 (a) (1.2)] 1. ~UTN /}1, NuRSN ~SUrviVOr d.,,t/ now so% oc~tr ~~. ~j2 ~~.2 ~//urdall! f~d. ~'ICG~iun%Cs~Hr~, P,~ /7o SS ~. ~~~~~2.~- Ey,~57aNE S i~ ~r 1 ~ /4/ ~`IGr/~ /'t"A~ ~a~%S°~. ~~ 3s758 3. 7Hv~~S .~ . h'a~PSN ~,,,~~,,. y~ i ~~~lry ct. ~,~ o/a, ~°,~ r ~o .~ s ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THR OUGH 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) LAST WILL AND TESTAMENT OF JOSEPH L. HURSH. JR. I, JOSEPH L. HURSH, JR., of Warrington Township, York County, Pennsylvania, being of sound and disposing mind, memory and understanding, do make, publish and declare this my Last Will and Testament, hereby revoking and making void any and all prior Wills by me at any time heretofore made. 1. I direct the payment of all my just debts and funeral expenses as soon after my decease as the same can conveniently be done. 2. All the rest, residue and remainder of my Estate, real, personal and mixed, whatsoever and wheresoever situate, I give, devise and bequeath as follows, to wit: A ONE-HALF (1/2) to my beloved parents, JOSEPH L. HURSH and RUTH M. HURSH, as tenants by the entireties. B. ONE-FOURTH (1/4) to my sister, BARBARA EYESTONE. . C. ONE-FOURTH (1/4) to my brother, THOMAS A. HURSH. In the event both of my parents have predeceased me, their share shall go to my said brother and sister. . _.. In the event my said sister has predeceased me, then her share, however derived, shall go to my said brother's daughter, KELLY ANN HURSH. In the event my said brother has predeceased me, then his share, however derived, shall go to my said brother's daughter, KELLY ANN HURSH. 3. I nominate, constitute and appoint my parents, JOSEPH L. HURSH and RUTH M. HURSH, to be the Co-Executors of this my Last Will and Testament. In the event that they should predecease me or for any reason be unwilling or unable to act as such Co-Executors, I nominate, constitute and appoint FINANCIAL TRUST COMPANY, formerly known as FARMER'S TRUST September 9, 1996 COMPANY, to be Executor in their place and stead. I further direct that they shall not be required to file bond or other security in the Office of the Register of Wills for the purpose of administering my Estate. IN WITNESS WHEREOF, I have hereunto set my hand and seat this /lol~v day of A.D., 1996. (SEAL) Signed, sealed, published and declared by the above-named JOSEPH L. HURSH, JR. as and for his Last Will and Testament, in the presence of us, who at his request and in his presence, and in the presence of each other, have hereunto subscribed our names as witnesses. ~ ~ _-_ -- LAC%~ ~G~/ ~ ------------~ ----- <~- ii September 9, 1996