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Home My WebLink About10-06-08 --~ REV-1500 15056041147 EX (06-05) OFFICIAL USE ONLY PA Department of Revenue County Code Year File Number Bureau of Individual Taxes INHERITANCE TAX RETURN PO BOX.280601 21 0 8 0 0 1 1 8 Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 199249970 01162008 11191931 Decedent's Last Name Suffix Decedent's First Name MI HERBST JAMES E (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI ^ 9. Litigation Proceeds Received ^ 1 p. Spousal Poverty Credit (date of death 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 THOMAS S BECKLEY 71723-37691 ~:_, THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW ® 1. Original Return ^ 2. Supplemental Return ^ 3. Remainder Return (date of death prior to 12-13-82) ^ 4. Limited Estate ^ qa_ Future Interest Compromise ^ 5. Federal Estate Tax Retum Required (date of death after 12-12-82) ® 6 Decedent Died Testate (Attach Copy of Will) ^ ~ Decedent Maintained a Living Trust 0 $. Total Number Of Safe De Osit Boxes (Attach Copy of Trust) P Spouse's Social Security Number Firm Name (If Applicable) BECKLEY & MADDEN First line of address 212 NORTH THIRD STREET Second tine of address City or Post Office State ZIP Code HARRISBURG, PA 17101 Correspondent'se-mail address: becks@pa.net Under penalties of pe 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 nplete. Declaration of preparer other than the personal representative is based on all information of which preparer has anv knowledae. ADDRESS James David Herbst -- ~ ~... REGISTER O~;W,ILLS GCE ONLY _. I r _ -' ~ - - ~. N C~ DATE FILED 1766 Kendall Drive, Mechanicsburg, PA 17055 SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE DATE ~~,...---`-"-,~~,..r/ Thomas S Beckley ~3~~~ ~+ ADDRESS 212 North Third Street, Harrisburg„ PA 17101 Side 1 15056041147 15056041147 J J 15056042148 REV-1500 EX Decedent's Social Security Number oecedenrsName: HERBST, JAMES EDMUND 199249970 RECAPITULATION 265,000.00 1. Real Estate (Schedule A) .................................................................................... ...... 1. 2. Stocks and Bonds (Schedule B} ......................................................................... ...... 2. 1 , 6 0 5 , 615.4 5 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C)....... ... 3. 4. Mortgages & Notes Receivable (Schedule D) ..................................................... ..... 4. 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ............. ... 5. 7 2 , 0 9 2 . 6 9 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested ........... .. 6. 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) ^ Separate Billing Requested ........... .. 7. 8, Total Gross Assets (total Lines 1-7) ................................................................. ...... 8. 1 , 9 4 2 , 7 0 8.14 9. Funeral Expenses & Administrative Costs (Schedule H) .............................. ........... 9. 1 6 , $ 2 1 . 0 0 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) ..................... ........... 10. 1 3 , 4 4 7 . 5 4 11. Total Deductions (total Lines 9& 10) ......................................................... .............11. 3 0, 2 6 8. 5 4 12. Net Value of Estate (Line 8 minus Line 11) ................................................. ............12. 1 , 9 1 2 , 4 3 9 . 6 0 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made (Schedule J) ...................................... ........... 13. 14. Net Value Subject to Tax (Line 12 minus Line 13) ..................................... ............ 14. 1 , 9 1 2 , 4 3 9 . 6 0 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 .00 15. 16. Amount of Line 14 taxable at -ineal rate X .045 1 , 912 , 4 3 9 . 6 0 16. 17. Amount of Line 14 taxable at sibling rate X .12 17. 18. Amount of Line 14 taxable at collateral rate X .15 18. 19. Tax Due .............................................................................................................. .....19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. 86,059.78 86,059.78 Side 2 15056042148 15056042148 REV-1500 EX Page 3 Decedent's Complete Address: CEDENT' NAME Herbst, James Edmund STREET ADDRESS 380 North 29th Street CITY Camp Hill STATE PA ZIP 17011 Tax Payments and Credits: 1. Tax Due (Page 1 Line 19} 2. Credits/Payments A. Spousal Poverty Credit B. Prior Payments C. Discount 3. InterestlPenalty if applicable p. Interest E. Penalty File Number 21 - 08 - 00118 Total Credits (A + B + C) Total Interest/Penalty (D + E) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Check box on Page 2 Line 20 to request a refund 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. A. Enter the interest on the tax due. B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. Make Check Payable to: REGISTER OF WILLS, AGENT (1) 86,059.78 (2) 0.00 (3) 0.00 (4) (5) 86,059.78 (5A) (s6) 86,059.78 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 :.................................... ~ (~x 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 RETUR For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is three (3) percent [72 P.S. §9116 (a) (1.1) (i)], For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero (0) percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exempt3 transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [72 P.S. §9116 (a) (1.2)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent, except as noted in 72 P.S. §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)]. A sibling is defined under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE A REAL ESTATE ESTATE OF Herbst, James Edmund FILE NUMBER 21 -08-00118 All real property owned solely or as a tenant in common must be reported at fair market valueEair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither bein compelled to buy or sell, both having reasonable knowledge of the relevant facts.Real property which is tointly-owned with right o~ survivorship must be disclosed on schedule F. ITEM DESCRIPTION VALUE AT DATE OF NUMBER DEATH 1 Real property located at 380 North 29th Street, Camp Hill, Pennsylvania 17011 (see attached appraisal) 265,000.00 TOTAL (Also enter on Line 1, Recapitulation) ~ 265,000.00 COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE B STOCKS & BONDS FILE NUMBER ESTATE OF Herbst, James Edmund 121 - 08 - 00118 All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM DESCRIPTION NUMBER 1 ~ Ameriprise Cash Manage Fund - A ~~, Account # 0000 0010 1108 2224 3 002 j (638.18 shares} 2 Ameriprise Tax Exempt Bond Fund- A Account # 0000 0081 4089 2179 9 002 (128,790.808 shares) 3 Ameriprise Tax Exempt High Income - A Account # 0000 0010 1108 4848 7 002 ~I, (117,179.675 shares) 4 Ameriprise Tax Exempt High Income - A Account # 0000 0010 1108 4952 7 002 (137,208.551 shares) UNIT VALUE ~ VALUE AT DATE OF DEATH 1 638.18 3.850 ~ 495,844.61 4.360 ~ 510,903.38 4.360 ~ 598,229.28 TOTAL (Also enter on line 2, Recapitulations ~ 1,605,615.45 SCHEDULE E CASH, BANK DEPOSITS, & MISC. COMMONWEALTH OF PENNSYLVANIA PERSONAL PROPERTY INHERITANCE TAX RETURN RESIDENT DECEDENT FILE NUMBER ESTATE OF Herbst, James Edmund 21 - 08 - 00118 Include the proceeds of litigation and the date the proceeds were received by the estateAll property jointly-owned with the right of survivorship must be disclosed on schedule F. ITEM DESCRIPTION VALUE AT DATE OF NUMBER DEATH 1 Fulton Bank Checking Account 57,592.69 # 1068-31331 2 ~ Miscellaneous personal property 3 ~ 1997 LEXU5 ES 3000 sedan (see attached) 7,000.00 7, 500.00 TOTAL (Also enter on Line 5, Recapitulation) ~ 72,092.69 SCHEDULE H FUNERAL E)PENSES & COMMONWEALTH OF PENNSYLVANIA /~ry~~~~~~~-~' ~~]] JJ~~ //~+//~~c~~~ INHERITANCE TAX RETURN FILJIYIIIYh71 rW~ lrW 1 ~7 RESIDENT DECEDENT FILE NUMBER ESTATE OF Herbst, James Edmund 21 - 08 - 00118 Debts of decedent must be reported on Schedule I. _ _ ITEM NUMBER FUNERAL EXPENSES: DESCRIPTION AMOUNT A. 1 Myers-Harner Funeral Home 11,629.00 2 i Rolling Green Cemetery Company 3,467.00 B. 1 ADMINISTRATIVE COSTS: Personal Representative's Commissions Social Security Number(s) / EIN Number of Personal Representative(s): Street Address 2. 3. City State Zip Year(s) Commission paid Attorney's Fees Beckley & Madden Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) i Claimant 4 5. 6. 7. 1 Street Address City State Zip Relationship of Claimant to Decedent Probate Fees Cumberland County Register of Wills Accountant's Fees Tax Return Preparer's Fees Other Administrative Costs Central Penn Appraisals, Inc. 450.00 910.00 350.00 TOTAL (Also enter on line 9, Recapitulation) 16,821.00 ~ C Sdiedule H COMMONWEALTH OF PENNSYLVANIA Funeral ~"f""' ^^"' INHERITANCE TAX RETURN ~~ n....a,., ~1~n~ RESIDENT DECEDENT l+Wl~ ESTATE OF Herbst, James Edmund 2 FILE NUMBER 21 -08-00118 rcegister of vvius (tee for filing return) 15.00 Page 2 of Schedule H COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULEI DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS ESTATE OF Herbst, James Edmund FILE NUMBER 21 -OS-00118 Include unreimbursed medical expenses. ITEM DESCRIPTION AMOUNT NUMBER i 1 Borough of Camp Hill (sewer bill) 157.50 2 Encompass Insurance (homeowners) 779.00 3 Verizon Wireless 251.38 4 Keefer Wood 74.00 5 Baker Door 87.95 6 Verizon (phone bill) 256.54 7 Ralph Cardone (medical) 4.82 8 Hampden Ambulance 75.72 9 Susquehanna EMS 40.00 10 Hematology Consultants 64.24 11 Quantum Imaging 26.24 12 MS Hershey Medical Center 2,580.87 13 Pinnacle Hospital 723.53 14 Pinnacle Health Emergency 32.17 15 R&R Radiology 19.06 16 Clearfield EMS 154.46 TOTAL (Also enter on Line 10, Recapitulation) ~ 13,447.54 ~ SCHEDULEI DEBTS OF DECEDENT, MORTGAGE COMMONWEALTH OF PENNSYLVANIA LIABILITIES, & LIENS INHERITANCE TAX RETURN RESIDENT DECEDENT COt1tI11U@CI ESTATE OF Herbst, James Edmund FILE NUMBER 21 -08-00118 Include unreimbursed medical expenses. ITEM NUMBER DESCRIPTION AMOUNT 17 Janet L. Miller (tax collector) 3,520.60 18 Sprint Physician Services 46.13 19 Burick-Azizkon Internists 157.22 20 Keystone Oil 286.39 21 PA Department of Revenue ~ 29.00 22 Jason Rowles, MD 46.39 23 Larry's Automobile ~ 323.25 24 Holy Spirit Hospital 28.34 25 Mountain Laurel Nursing Home 3,284.00 26 Clearfield Hospital 72.49 27 Ewing Roofing 180.00 28 Penn Waste ~ 146.25 Page 2 of Schedule I REV-1513 EX+ (9.00) ~ pSCHED~+U/LpE J COMMONWEALTH OF PENNSYLVANIA BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Herbst, James Edmund RELATIONSHIP TO NUMBER NAME AND ADDRESS OF PERSON(S) DECEDENT RECEIVING PROPERTY Do Not List Trustee(s) I~ TAXABLE DISTRIBUTIONS[include outright spousal distributions, and transfers under Sec. 9116 (a) (1.2)] 1 James David Herbst Son 1677 Kendall Drive Mechanicsburg, PA 17055 ~ FILE NUMBER 21 -08-00118 SHARE OF ESTATE AMOUNT OF ESTATE (Words) ($$$) 100% Enter dollar amounts for distributions shown above on lines 15 through 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 B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET 0.00 ._ .~ FROM: INVOICE Bonnie Myers, Office Manager ` I ~ ~ ' Central Penn Appraisals, Inc 24 West Main Street N29THST380 . .~ , _. Shiremanstown, PA 17011 - 2-28-OS Telephone Number: 717-737-4600 Fax Number: 717-737-9123 :~'~'' ;s' rr=i':Ii F~ilEfl6E' a :~ T0: Internal Order #: .+~ Lender Case #: ' JAMES HERBST ClientFlk#: 1766 KENDALL DRIVE Main Fife # on form: N29THST380 MECHANICSBURG, PA 17055 Other Flle # on form: Telephone Number: Fax Number: Federal Tax ID: 25-1733269 Alternate Number: E-Mall: Employer ID: 1'~,u ~ Gw ,r UNIFORM RESIDENTIAL APPRAISAL REPORT ~ ;~: ~ r ~ - ~5 DESCRIPTION Lender: PRIVATE Client: PRIVATE Purchaser/Borrower: N/A Property Address: 380 N. 29TH STREET City: CAMP HILL County: CUMBERLAND State: PA Zip: 17011 Legal Description: DEED BOOK 0020Y PAGE 00620 ,.. . NT ~ ` ' dMOU FEE , S ,.,: ,:: .;:. 380 N. 29TH STREET, CAMP HILL 350.00 SUBTOTAL ~ 350.00 ,., r .,. w ~_:= is ~,n :~,~, . ,, ~, ,;-n,~ a , ~~~,, . ~ :~~~ ~ ~,' ~ MOU PAYMENTS- Check#: Date: Description: Check #: Date: Description: Check #: Date: Description: SUBTOTAL TOTAL DUE $ 350.00 Form NIVS - "WinTOTAL" appraisal software by z -mode, inc. -1-B00-ALAMODE Central Penn Appraisals, Inr ,i 17) 737-4600 SUMMARY OF SALIENT FEATURES Subject Address 380 N. 29TH STREET Legal Description DEED BOOK 0020Y PAGE 00620 City CAMP HILL County CUMBERLAND State PA Zip Code 17011 Census Tract 0104.00 Map Reference ADC PAGE 20 A-1 Sale Price $ N/A Date of Sale N/A Borrower/Client N/A Lender PRIVATE Size (Square Feet) 1,918 Price per Square Foot $ Location AVERAGE Age 66 YEARS Condition AVERAGE Total Rooms 8 Bedrooms 5 Baths 2 Appraiser ROBERT K. BANZHOFF Date of Appraised Value 2-24-OS Final Estimate of Value $ 265,000 .~ Form SSD - °WinTOTAL' appraisal software by a Ia mode, inc. -1-800-ALAMODE Central Penn Appraisals, Inc. p17) 73/-4600 rnie rvu. iveainaraom rase rrn Uniform Residential Appraisal Report Flle# N29THST380 ,e purpose of this summary appraisal report is tp provide the lender/client with an accurate, and adequately supported, opinion pf the market value of the subiect nronerty Pro a Address 380 N. 29TH STREET C' CAMP HILL State PA Zi Code 17011 Borrower N1A Owner of Public Record HERBST ESTATE Cou CUMBERLAND Le al Descri tion DEED BOOK 0020Y PAGE 00620 Assessor's Parcel # 01-20-1852-147 Tax Year 2007 R.E. Taxes $ 2 870 Nei hborhood Name CAMP HILL BOROUGH Ma Reference ADC PAGE 20 A-1 Census Tract 0104.00 Occu ant Owner Tenant Vacant 5 eclat Assessments $ 0.00 ^ PUD HOA $ er ear ^ er month •' Pro a Ri hts A raised Fee Sim le Leasehold Other describe Asst nmenf T e Purchase Transaction Refinance Transaction Other describe PRIVATE Lender/Client PRIVATE Address Is the subject roe currentl offered for sale or has it been offered for sale in the twelve months rior to the effective date of this a sisal? ^ Yes ®No Re ort data sources used, oiferfn rice s ,and dates . I ^ did ^ did not analyze the contract for sale for the subject purchase tansactlon. Explain the results of the analysis of the contract for sale or why the analysis was not erfarmed. N/A Conhact Price $ N/A Date of Contract N/A Is the roe seller the owner of ublic record? Yes No Data Source s Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behaB of the bonower? ^ Yes ^ No tl Yes, re rt the total dollar amount and describe the items to be aid. N!A Note: Race and the racial composition of the neighborhood are not appraisal factors. Nei hborhood ChareaterlsdcS One-Unlt Housin' Trends "' . One=Unit Housin present Land Use % Location Urban Suburban Rural Pro a Values Increasin Stable ^ Declinin PRICE AGE One-Unit 85 % Built-U Over 75% 25-75% Under 25% Demand/Su I Shorts a In Balance Over Su I $ 000 s 2-4 Unit 5 % Growth Ra id Stable Slow Marketin Time Under 3 mths ^ 3-6 mths Over 6 mths 130 Low 15 Multi-Famil 0 % Nei hborhood Boundaries THE HOME IS LOCATED NORTH OF MOMKET STREET BETWEEN 32NN 550 Hi h 100+ Commercial 5 % 'AND 21ST STREETS IN CAMP HIL BOROUGH. 250 Pred. 50 Other 5 % Nei hborhood Descri tion This suburban town has relative) eas access to em to ment and services and is com etitive with other net hborhoods in the eneral area. Most have similar amenities. Market Conditions includin su ort for the above conclusions THE MARKET IS STILL GOOD IN THIS AREA WITH LOW UNEMPLOYMENT AND CONTINUING LOW INTEREST RATES. Dimensions SEE LEGAL DESCRIPTION Area .17 ACRES Sha a RECTANGULAR View AVERAGE S ecific Zonin Classification R1 SINGLE FAMILY RESIDEN' Zonin Descri tion SINGLE FAMILY RESIDENTIAL Zonin Cam Iiance Le al ^ Le al Nonconformin Grandfathered Use No Zonin Ille al describe Is the hi hest and best use of subject roe as im roved or as ro sed er tans ands ecifications the resent use? Yes No h No, describe Utllitfes Publie Other(descrlbe) Publlc Other (describe) Ott-sltelm rovements-T a Public Private Electrici Water Street ASPHALT Gas NONE Sanita Sewer Alle NONE FEMA 5 eclat Flood Hazard Area Ves No FEMA Flood Zone C FEMA Ma # 42035700018 FEMA Ma Date 12/11/1981 Are the utilities and off-site im rovemenis icai for the market area? Yes No tl No, describe Are there an adverse site conditions or external factors easements, encroachments, environmental conditions, land uses, etc. ? Yes No h Yes, describe ' Gerieial DescRptton ' fouodetloh Exterior Descri don ' `` ineterlefs/eondklori Interior ' m"atelliiii/condldoo Units ®One ^ One with Accesso Unfl Concrete Slab Crawl S ace foundation Walls CONBLKlAVE Floors CARPETICERAMIC # of Stories 2 Fuli Basement Partial Basement Exterior Walls BRICK/STONE/AVE Walls DRYWALUAVE T e Det. Att. S-Det./End Unit Basement Area 1 278 s .tt. Root Surface SHINGLE/BTA TriMFlnish WOOD/AVE Existin Pro osed Under Const. Basement Rnish 70 % Gutters & Downs outs ALUMINUM/AVE Bath Floor CARPET/AVE Desi n S le 2 STORY Outside Ent /Exit Sum Pum Window T e DBL HUNG/BTA Bath Wainscot CERAMIC/AVE Year Built 1942 Evidence of Infestation Storm SasMnsulated INSULATED/AVE Car Stora a None Effective A e rs 15 ^ Dam ness ^ Settlement Screens YES/AVE Drivewa # of Cars 2 Attic None Heatin FWA HWBB Radiant AmenNes Woodstove s # Drivewa Surface CONCRETE Dro Stair Stairs Other Fuel OIL Fire laces # 1 Fence Gara e # of Cars 2 Floor Scuttle Conlin Cenhal Air Conditionin Patio/Deck Porch Ca rt # of Cars Finished ^ Heated ^ Individual ^ Other ^ Pool Other ^ An. ® Det. ^ Buitt-in A )lances ^ Refri erator ®Range/Oven ®Dishwasher ®Dis osal ^ Microwave WashegD er ^ Other describe Finished area above rode contains: 8 Reoms 5 Bedrooms 2 Baths 1 918 S uan: Feet of Gross Livin Area Above Grade . AddiBonal teatures s eclat ener efficient items, etc.. REC ROOM AND 1/2 BATH IN THE BASEMENT REPLACEMENT WINDOWS NEWER ROOF AND DRIVEWAY. Describe the condition of the roe includin needed re airs, deterioratlon, renovations, remodelin ,etc.. These im rovements are of averse ualit frame design and reflect average maintenance with no repairs needed. Are there an h sical deficiencies or adverse conditions that affect the livabil' ,soundness, or sWctural tote r' of the roe ? ^ Yes No H Yes, describe Does the roe eneral) conform to the net hborhood functional atilt , s le, condition, use, construction, etc. ? Yes ^ No tl No, describe Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "WinTOTAL" appraisal software by a la mode, inc. -1-800- AMODE - IFile No N29THST3801 Pace #31 _ Uniform Residential Appraisal Report File# N29THST360 are 4 comparable properties cunently offered for sale in the subject neighborhood ranging in price tram $ 22 500 to $ 275,000 there are 3 cem amore sales m me suo r;i FEATURE SUBJECT nm muumuu rrmnn um ua~ ~no..o ~~rv.~~ COMPARABLE SALE # 1 ..~ .•.. ~„ ... ....... ...... ....... .. «,...... COMPARABLE SALE # 2 . .-. .......,.,.. COMPARABLE SALE # 3 Address 380 N. 29TH STREET CAMP HILL PA 17011 374 N 29TH STREET CAMP HILL PA 17011 366 N 28TH STREET CAMP HILL PA 17011 475 COUNTRY CLUB ROAD CAMP HILL PA 17011 Proxim' to Sub'ect 0.01 miles S 0.07 miles SE 0.19 miles NW Sale Price __ N!A $ $ 225 000 _ $ 260 000 $ 295,000 Sale Price(Gross Liv. Area _ $ _ sq tt. $ 141.69 5 .tt. _ $ 174.38 s .ft. - ': , $ 127.65 s .n. ; Data Sources ASMT RECORDS/MLS/AGENT! ASMT RECORDS/MLS/AGENT/ ASMT RECORDS/MLS/AGENT/ Verification Sources VALUE ADJUSTMENTS _ DESCRIPTION SETTLEMENT DEPT. DESCRIPTION + - $ Ad ustment SETTLEMENT pEPT. DESCRIPTION + - $ Ad'ustment SETTLEMENT D DESCRIPTION EPT. + - $ Ad' stmerrl Sales ar Flnancing Concessions CONVENTION NONE KNOWN CONVENTION NONE KNOWN CONVENTION NONE KNOWN Date of Sale/Time _ 9-7-07/4 6-14-07!25 10-12-07/7 Location __ AVERAGE AVERAGE AVERAGE BTR AVERAGE -10000 LeaseholdlFee Sim le FEE SIMPLE FEE SIMPLE FEE SIMPLE FEE SIMPLE Site 17 ACRES .17 ACRES .27 ACRES 30 ACRES View AVERAGE AVERAGE AVERAGE AVERAGE Desi n S le 2 STORY 2 STORY RANCH 2 STORY Qual' of Construction AVERAGE AVERAGE AVERAGE AVERAGE Actual A e 66 YEARS 69 YEARS 53 YEARS 69 YEARS Condition AVERAGE AVERAGE AVERAGE BTR AVERAGE -10000 Above Grade Total Bdrms. Baths Total 8drms. Baths Total Bdrrns. Baths Total Bdrms. Baths Room Count 8 5 2 6 3 1.5 +3 000 6 3 2 7 3 1.5 +3 000 Gross Livin Area 1 918 s .ft. 1 588 5 .ft. +9 900 1 491 5 .ft. +12 800 2 311 s .ft. -11 800 Basement 8 finished Rooms Below Grade FULL BMS7 REC RMIPR FULL BMST UNFINISHED +6 000 FULL BMST REC/2DEN/PR -3 000 FULL BMS7 UNFINISHED +6 000 Functiona4 U61' AVERAGE AVERAGE AVERAGE AVERAGE Heatin Coolin FA1GA STEAM/CA FA/CA HW/NO CA +5 000 • Ener EBicient ttems TYP FOR AREA 7YP FOR AREA TYP FOR ARF~4 TYP FOR AREA Cara e(Car ort 2 CAR GARAG 1 CAR GARAG +5 000 2 CAR GARAG NONE +10 000 - Porch/Patio~eck PORCH PORCH PATIO +1 000 PORCHIPATIO -1 000 • 1 FIREPLACE 1 FIREPLACE 2 FIREPLACES -4 000 2 FIREPLACES -4 000 NONE NONE NONE NONE NONE NONE NONE NONE • Net Ad~ stment Total ___ + - $ 23 900 + - $ 6 800 + ~ $ -12 800 Adrysted Sale Price of Com ambles Net Adj. 1D.6 % Gross Ad'. 1D.6 % $ 248 900 Net Adj. 2.6 % Gross Ad~. 8.0 X $ 266 800 Net Adj. 4.3 % Gross Ad'. 20.6 % $ 262 200 I did did not research the sale or bansier histo of the sub ect ro e and com arable sales. tt not, ex lain M research did did not reveal an ricr sales or bansters of the subject roe for the three ears riot to the effective date of this a sisal. Data Sources LOCAL MLS & COUNTY ASSESSMENT RECORDS M research did did not reveal an riot sales or Vansiers of the com arable sales for the ear riot to the date of sale of the com arable sale. Data Sources LOCAL MLS & COUNTY ASSESSMENT RECORDS Re ort the results of the research and anal sir of the riar sate os transfer histo of the subject ro and com arable sales re art additional riot sales on a e 3 . ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3 Date of Prior Sale/Transter NO PRIOR SALE NONE KNOWN TO EXIST NONE KNOWN TO EXIST NONE KNOWN TO EXIST Pdce of Prior Saie/Transfer IN THE PAST 3 YEARS OTHER THAN ABOVE OTHER THAN ABOVE OTHER THAN ABOVE Data Sources COURTHOUSE RECORDS COURTHOUSE RECORDS COURTHOUSE RECORDS COURTHOUSE RECORDS Effective Date of Data Sources 2-28-OS 2-28-OS 2-28-08 2-28-08 Anal sir of riot sale or transfer histo of the subject roe and com arable sales THERE ARE NO UNUSUAL CHARACTERISTICS IN THE PRIOR SALE OF THE SUBJECT OR COMPARABLE PROPERTIES. Summa of Sales Com adson A roach All three sales are considered to be reliable indicators of value and are we' bred similar/ in the final reconciliation. In order to find com ambles sales it was necessa to use less recent sales. All three com arable sales are bcated in the same market area as the sub'ect ro err and would be considered b the same ers ective urchaser if all were on the market at the same time as the sub'ed. Com ambles sales used are all closed sales. indicated Value b Sales Com arison A roach $ 265 000 Indicated Value by: Sales Com arison Approach $ 265 000 Cost roach (if develo S N/A h -•me A roach (If develo ed) $ NIA This appraisal is made ®"as is", ^ subject to completion per plans and specifications on the basis of a hypothetical condttion that the improvements have been completed, ^ subject to the following repairs or aBerations on the basis of a hypothetical condition that the repairs or alterations have keen completed, ar ^ subjecitothe • followin re aired ins ection based on the exhaordina assum 'on that the condition or deficienc does nat re uire aheratior: or repair: Based on a complete visual inspection of the interior and exterior areas of the subject property, defined scope of work, statement of assumptions and Iimlting conditions, and appraiser's certification, my {our) opinion of the market value, as defined, of the real property that is the sub)eet of this report Is S IFS 000 . as of 2-24-06 .which is the date of inspection end the etteclfye dart of Chia a ralsal. Freddie Mac Form 70 March 2005 Page 2 of 6 Fannie Mae Form 1004 March 2D05 ,~ Form 1004 - "WinTOTAI° appraisal software by a la mode, inc. - t-8C ALAMODE Irlle Ne. N'Ly I NS 188UI Naee #41 Uniform Residential Appraisal Report FlIeA N29THST380 rtE SCOPE OF WORK IS TO ESTIMATE THE FAIR MARKET VALUE OF THE SUBJECT PROPERTY AS DEFINED BY FANNIE MAE AND OR FREDDEI MAC. THIS IS DONE 6Y USING THE GUMYARISUN AYYHUAGH ANU I Ht GUS I AYYKUAGH WIl H NEWER CONS I RUG t ION. THE INCOME APPRAOCH IS USED WHEN THE PROPERTY IS A SINGLE FAMILY RENTAL PROPERTY. THE APPRAISER IS NOT A PROFESSIONAL HOME INSPECTOR AND DOES NOT WARRANT THE ABSENCE OR PRESENCE OF DEFECTS. THE INTENDED USE OF THIS APPRAISAL IS FOR LENDING PURPOSES ONLY OR THE USE OF THE CLIENT IN PRIVATE CASES. NO OTHER SHOULD RELY ON THE FINAL ESTIMATE OF VALUE OR ANY OTHER CONCLUTIONS CONTAINED IN THIS REPORT. THE INTENDED USER IS THE LENDER/CLIET AND NO OTHER. `" " "' ` ` ` " ` CbST APPROACH TO VALUE rrot Fe' uireii Fannie Mae) Provide ode uase inormation for the lender)clierd to re licate the below cost ti ures 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 REPRDDUCTION OR REPLACEMENT COST NEW OPINION OF SIZE VALUE ......._ ............................................................ . =$ Source of cost data MARSHALL $ SWIFT COST VAULATION SERVICE DWELLING S .Ft. $ .......... _$ Qual' ratio from cost service AVE. Effective date of cost data 12/2007 S .Ft. $ ............. =$ Comments on Cost A roach toss livi area calculations, de reciation etc. ............. _$ Total Estimate of Cost•New ....._.._. _$ Less Ph sical Functional External De reciation =$ De reciated Cost of Im rovements .............__...._....._..............._.....__ . _$ "As-is" Value of Site I ravemerds __....._._......._...._......_.____.._.... . _$ Estimated Remainin Economic Lfle HUD and VA onl Years INDICATED VALUE BY COST APPROACH ............................................ . _$ ' INCOME APPROAC~ TO VALU E thbi ""'u rfed b Farnle Mee) ' '" ' °- . - - .. _ , Estimated Monthl Market Rent $ N/A X Gross Rent Multi tier N/A = $ N/A Indicated Value b Income A roach Summa of Income A roach includin su artfor market rent and GRM PROJECT IRFOgMATiON FDR PUDIi (fl applkabk7 ~~' .. Is the develo er(builder in control of the Homeowners' Association HOA ? Yes ^ No Unit e s Detached ^ Attached Provide the following information for PUDs ONLY ti the developedbuilder is in control of the HOA and the subject property is an attached dwelling unit. Le al Name of Pro'ect Total number of hoses Total number of un'ds Total number of units sold Total number of units rented Total number of units for sale Data source s ~ _ Was the ro ct created b the conversion of ex{sti bubdin s into a PUD? Yes No h Yes, date of cony ,ion. Does the project contain any multi-dwelling units? ^ Yes ^ Na Data Soume Are the units common elements and recreation lacilities complete? ^ Yes ^ No K No describe the status r completien. Are the common elements leased to or h the Homeowners' Associaton? Yes No tt Yes, descdhe the ental terms and options. Describe common elements and recreational facilities. Freddie Mac Form 70 March 2005 Page 3 of 6 Fannie Mae Form 1004 March 2005 .~ Form 1004 - "WinTOTAL" appraisal software by a la m~ 'P, inc. -1-800-ALAMODE Uniform Residential Appraisal Flle p 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, addtional 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 competftive and open market under ail 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 definftion is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or safes concessions' granted by anyone associated with the sate. *Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is nat 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 pertorming 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 identitied 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 glue testimony or appear in court because he or she made an apF~raisal 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 hazar 'ous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and I~as 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 discov ~r whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this apprais ~i 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 a ~praisal that is subject to satisfactory completion, repairs, or alterations on the assumption tfiat the completion, repairs, or aft ations of the subject properly will be performed in a professional manner. Freddie Mac Form 70 March 2005 Page 4 of 5 Fannie Mae Farm 1004 March 2005 r; Form 1004 - "WinTOTAI" appraisal software by a la mode, inc. - -800-ALAMODE (File No. N29THST380 Paae #6 Uniform Residential Appraisal Report FlIeJ/ 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 pertormed 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 pertormed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or wi{I be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. 1 verified, from a disinterested source, all information In this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. 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. 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 I(mited 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 signfficant 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 andlor 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 this appraisal report. It I relied on significant real property appraisal assistance from ar y individual or individuals in the p :iiormance of this appraisal or the preparation of this appraisal report, I have named sucl~ individual(s) and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is quali`ied 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 ~!nauthorized and I will take no responsibility for it. 20. I identified the lender/client in this appraisal report who is th^ individual, organization, or :;gent for the organization that ordered and will receive this appraisal report. Freddie Mac Form 7D March 20D5 Page 5 of 6 Fannie Mae Form 1004 March 2005 P Form 1004 - "wnTOTAL" appraisal software by a ~: made, inc. -1-800-AL!'.tODE File No. N29THST360 Pa a #7 unnorm Residential Appraisal Report Flle# N29THST380 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, safes, 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 fender at the request of the borrower, the mortgagee or fts successors and assigns, mortgage insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video 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, Tine 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 pertorm this appraisal, and is acceptable to pertorm this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that 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 A S TE C RT RESIDENTIAL R.E RAI Signature Name RO RT K. BAN H F Company ame CENT NN APPRAISAL ~ 1 C. Company Address 24 WEST MAIN STREE. SHIREMANSTOWN Telephone Number (717) 737-4600 Email Address Date of Signature and Report February 28 2008 Effective Date of Appraisal 2-24-08 State Certification # RL001231L or State License # or Other (describe) State # State PA Expiration Date of Certification or License 6/30!2009 ADDRESS OF PROPERTY APPRAISED 380 N. 29TH STREET CAMP HILL. PA 17011 APPRAISED VALUE OF SUBJECT PROPERTY $ 265,000 LENDER/CLIENT Name Company Name PRIVATE Company Address 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 rreaaie Mac Form !U March 2005 Page ti of 6 Form 1004 - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODF Fannie Mae Form 1004 March 2005 .~ THIS IS A SUMMARY REPORT OF A COMPLETE APPRAISAL. APPRAISER ACKNOWLEDGEMENT APPRAISERS ACKNOWLEDGES AND AGREES, IN CONNECTION WITH ELECTRONIC SUBMISSION OF APPRAISALS, AS FOLLOWS: THE SOFTWARE UTILIZED BY THE APPRAISER TO GENERATE THE APPRAISAL PROTECTS SIGNATURE SECURITY BY MEANS OF A DIGITAL SIGNATURE SECURITY FEATURE WHICH LOCKS THE REPORT WITHIN OUR OFFICE AND CAN NOT BE ALTERED BY ANYONE OTHER THAN OUR OFFICE. APPRAISER CERTIFICATION APPRAISER STANDARDS I acknowledge and certify that (I) my appraisal of the above referenced property may be used in a federally related financial transaction subject to requirements of Title XI of the Financial Institution Reform, Recovery and Enforcement Act of 1989 (FIRREA"); (ii) the appraisal must comply with FIRREA and the applicable regulations implementing Title IX of Firrea; and (iii) the appraisal was completed in accordance with USPAP. APPRAISER COMPETENCY 1 certify that I am fully qualified and competent by training, knowledge, and experience to perform this appraisal. APPRAISER INDEPENDENCE I represent and certify that (I) the appraisal assignment was not based on a requested minimum valuation, a specific valuation, or the approval of a loan; (ii) my employment was not conditioned upon the appraisal producing a specific value or value within a given range; (iii) my future employment is not dependent upon an appraisal producing a specific value; (iv) my employment, compensation, and future employment are not based upon whether a loan application was approved; (v) neither me nor any person with an ownership interest in the company employing me, is related to or has any ownership or other financial interest in, either the builder/developer, seller, buyer, mortgage broker, or real estate broker/salesperson (or any person related to any of them) involved in the transaction for which this appraisal was requested, or with the most recent sale or refinancing of any property used as a comparable property in this appraisal, and (vi) I am not aware of any facts which would disqualify me from being considered an independent appraiser. Form TADD - "WinTOTAL' appraisal software by a la mode, inc. -' 800-ALAMDDE .~ This appraisal assumes a reasonable marketing period for the subject property of three months. The Market Approach reflects recent activity in the market place. The Income Approach is inappropriate because few single family houses are rented in this market. in view of the age of these improvements, the Cost Approach cannot be considered an accurate indicator of value. file No. N29TFIST3801 Paae #91 Subject Photo Page Bartower Client N/A Pro a Address 380 N. 29TH STREET Ci CAMP HILL Coun CUMBERLAND State PA Zi Code 17011 Lender PRIVATE Subject Front 380 N. 29TH STREET Sales Price N/A Gross Living Area 1,918 Total Rooms 8 Total Bedrooms 5 Total Bathrooms 2 Location AVERAGE View AVERAGE Site .17 ACRES Quality AVERAGE Age 66 YEARS Subject Rear Subject Street Form PICPIX.SR - "WinTOTAL" appraisal software by a la mode, inc. -1-800•ALAMODE Photograph Addendum 8orzower Client N!A Pro a Address 380 N. 29TH STREET C' CAMP HILL Coun CUMBERLAND State PA Zi Code 17011 Lender PRIVATE ,~ Form 'ICPIX - ^WinTOTAI" appraisal software by a la mode, inc. - 1-800-ALAMODE Comparable Pho#o Page BorrowerJClieM NIA Pr a Address 380 N. 29TH STREET C' CAMP HILL Coun CUMBERLAND State PA Zi Code 17011 Lender PRIVATE Comparable 1 374 N 29TH STREET Prax. to Subject 0.01 miles S Sale Price 225,000 Gross Living Area 1,588 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1.5 Location AVERAGE View AVERAGE Site .17 ACRES Quality AVERAGE Age 69 YEARS Comparable 2 366 N 28TH STREET Prox. to Subject 0.07 mites SE Safe Price 260,000 Gross Living Area 1,491 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 2 Location AVERAGE Vlew AVERAGE Sffe .27 ACRES Quality AVERAGE Age 53 YEARS Comparable 3 475 COUNTRY CLUB ROAD Prox. to Subject 0.19 miles NW Sala Price 295,000 Gross Living Area 2,311 Tota' Roams 7 Totai Bedrooms 3 Tota~ BaMraams 1.5 Loa~uon BTRAVERAGE Vie+ AVERAGE Sit- .30 ACRES 0~ .i+ty AVERAGE A 69 YEARS Form PICPIX.GR - "WinTOTAI" appraisal software by a ha je, inc, -1-800-ALAMODE Building Sketch Bortower Rent NfA Pr Address 380 N. 29TH STREET C CAMP HILL Caun CUMBERLAND State PA Ti Code 17011 Lender PRIVATE 32.0' 16.0' e.s.e„ ~ s.s... •i6esn 38.0' 43.0' ,~ B.0' urr~ ...n mw. w... 14.0' 18.0' I Comments: AREA CALCULATIONS SUMMARY Code Oescriptlon Size Net Totals GLA1 sirs[ door 1278.00 1278.00 GLA2 Saoond Tloor 640.00 440.00 TOTAL UNABLE (rounded) 1918 32.0' 76.0' LIVING AREA BREAKDOWN Breakdown Sutrtotals Hrat door 18.0 x 43.0 774.00 14.0 x 36.0 504.00 Secoad floor 14.0 x 27.0 432.00 10.0 x 14.0 160.00 6.0 x 8.0 48.00 5 Calcula` 'ons Total (rounded) 1918 ,+~ Form SKT.BIdSkI - "4Y'mTOTAL" appraisal sofhvare by a la mode, ~ . -1-B00-ALAMOOE F le No. N2 TH T 80 P #1 ~ nratien Mao ' a la mode, inc: ~ mnln.a*rmaleaN<I.w+rolayr ~ n x ~a~~y ~4 ~ 'f a A«+w Gx~ 4 ~, a 9'° Sy~pA ~~ ~ 0 H ~p x rAd .t qq N ~ 1 pM ~ ~SP° Ij"' ~ ~ 4° A ~ ~ p pO n C n G°o- x A Q } d S ~f,3 ya p° 'waf ~ 4 5/ Ndy SpMl N°ap1» n 00°Pd va ~ GM~°rr Le w+ P" CamP µll Chrla<IanLSleh~ ? 0 gy Memerlal P".x WxslShxA Cmm"y Chb p{ i ~ g ; . GemP HP 0 art"°P° ., .eP rfN0Y9~81 ~ S ~ ~ i @ Mma°vd - .- _ 0. ~ , y v~~~ ~~ ~~ g GM^Pyyy'BYO ._ a ~ k CrnP Nal T' y g ~ i ~~0.d jy -i 15.. N R Z HnOMd 91 £ pd p. P,u.Mr!ul c,rM1 Fn v v p° ~ L'n°nn 31 IW~T ft iWP°m1 ~.V~~^~Y ~,a NJI 4 ,q a .. `Wn „pnn °+v so NM°d ip° ~V P+W 61 ~1 i ~ y 4e N <?~ s ~ t Lxu 3 ~°wn y q~ sr I_.+.+"` Imp sl Prno« A ~ 9 F °r K CPmp Nlp Camalan ax 51 Lgla,~_~ 9 0 a 3 .P ~~,.~ Rmr41y k ~ 5 ~ .7 R y. H BxM°md U~. 3 n "F ~lsMST Z ,> ~ ~ _ Z N~AA,rar A PMr"'IX Hd G ~ `a k ~ # q ~C 41 M a ~ . 2 - x _ Marvel yy Camp Nql rnl Z ~ wa X 'F St Mn~ke151 m £ 3 ' y _ McAnt S~ ~ - k WAnenrllAU~v. - C~Iy. P(ke PMn - " 3 N CM1MNMI St Nl CMa„d 5, ~ Camp N i fit e~5 ~ Cmm~l wa a +K N W wrn CJ°~5 p0 t^~ &dmal Rd ~ $ •n m a ~ yd A+a Nar ilala Fblds N . ', m ~ 3 ~ ~ 9 ~ . t m Aw ~ ~ ~A.n W ifll{ paya CamP Nnl snnpµ~w a'"n ~' "~ a ~ Mav°t 2 4 yny'A Ava 1. isw ~ c d1~w°e„A~ R p ~ a ~~ ~ mayy. b ~', McM1i°p 4" ul 250 /dc $ np 4 L" -' - e( of • Ni+wn:°.a~.:.. a nG/fq MF.m.°s~ Virtual Earth' dw q R 6 dd - .;~•. ..:... _.. - l' ai + .•- aanV form MAP.LOC - "WinTOTAI" appraisal software by a la mode, iac. -1-BOD-ALAMODE Str-~-~-~eett -~~ : i i rare May 9, 2008 Bill of Sale 1997 i.exus ES 300 1 James 13. Herbst agi~ee to sel! the 1997 Lexus $S300 to Tammy Hilt for the .Pricc of $7,500.00 Cash, Purchaser : ""~ f? Signature: ~ Date: ~ g `~~' Seller: / ~ Si store: /~-../ Date. ~ ~ ~~ P. 62 DDDHIST Demand Deposit Display History 1057 02/08/08 Acct 1068-3 1331 Request ALLTRANS Alpha key HERBSJE.O1 Last stmt 01/17/08 S --Date-- ----Description----- -Serial Nbr- -Reference- ------Amount------ * 01/10/08 DAILY BALANCE 58,603.62 * 01/11/08 MISCELLANEOUS DEBIT 02354608540 (583.00) * 01/11/08 DAILY BALANCE 58,020.62 * 01/14/08 CHECK 1973 01245903660 (53.07) * 01/14/08 CHECK 1975 01247901510 (323.70) * 01/14/08 DAILY BALANCE 57,643.85 * 01/16/08 CHECK 1976 01442101220 (51.16) * 01/16/08 DAILY BALANCE __ ' 57,592.6~ ~ * 01/17/08 INTEREST CREDIT 00000000000 ~ _ 7-.~ * 01/17/08 DAILY BALANCE 57,599.94 01/22/08 VERIZON ARC 1977 00077900000 (30.22) CHECK PYMT 080119 1977 DDDHISTREQ _ DDDHISTBAL DDDMAIN DDDACCT DDDINT There is ad _ _ ditional information before and after this page. _ GN20000I03 COMMAND =__ > F2=Retrieve F3=Exit F4=CRFwindow F7=Backward F8=Forward -o N 0 3 0 9 0 b O 7 b ~,,,'1 7 ti ~-ry G w c~ rn 'N O O O a D ~ ~ C ~L ~ ~ ~ ~ n 1 ~ ~ ~ tD ~ C3 n m ~ N "' q O C ~ ~ ~ ~ ra ~m 'a A o0~,a ~~~;N t w o ~ o ~ m a n ~ < N N~,~.1 , ~• f~ jV ~ A ff O i0 'gym c ~}N'~. p ~ O to a a 7>>-nN ' y Z Q ~ a3t;~i .c m ~. ,w ~ ~ '~ Ic. 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( ~ n o O ~ '~ 'S m '~ .+, ° z ~ w ' ~ ~ ~ ~ m ~ O A a w I~ b *:S y U n ~~ ~ fl d 3 j ~ ^ S r Jladfl,~t~ V`~Y Illlll ~1,Il11~1 ~c~~~~,1C7C71c~Il71~ OF JAMES E. HERBST I, JAMES E. HERBST, of the Borough of Camp Hill, Cumberland County, Pennsylvania, do make, publish and declare this to be my Last Will and Testament, hereby revoking all Wills and Codicils by me heretofore made. ITEM I: Family Information. I am married to MARY B. HERBST and all references to my wife in this Will are to her. I have one son: JAMES D. HERBST. He is described in this Will as "my child," or as "a child of mine." The terms "grandchild" and "issue" shall be construed to include only issue of mine who are related to me by blood and not by adoption. ITEM II: Death Taxes. I direct that all inheritance and estate taxes becoming due by reason of my death, whethex payable by my estate or by any recipient of any property, shall be paid by the Executor out of the residue of my estate, as an expense and cost of administration of my estate, except that no taxes shall be charged against any gift qualifying for the marital or charitable deduction in my estate. The Executor shall have no duty or obligation to obtain reimbursement for any such tax so paid, even though on proceeds of insurance or other property not passing under this Will. ITEM III: Debts and Final Expenses. I direct the Executor to pay the expenses of my last illness and funeral expenses from the residue of my estate as an expense and cost of administration of my estate. Page 1. ITElVI IV: Tane~ible Personal Property. If I die before my wife, MARY B. HERBST, I give to her all my tangible personal property, including but not limited to, all of my household furniture and fiirnishings, books, pictures, jewelry, silverware, automobiles, wearing apparel and all other articles of household or personal use or adornment and all policies of insurance thereon. If I do not die before my wife, I may leave a written list in my safe deposit box or elsewhere disposing of certain items of my tangible personal property. The Executor shall dispose of items of my personal property as specified in the written list. If no written list is found in my safe deposit box or elsewhere and properly identified by the Executor within thirty (30) days after the probate of my Will, it shall be presumed that there is no other statement or list. Any subsequently discovered list shall be ignored. If I survive my wife, I give any property of the type described in this Item and not set forth in a written list to my son, JAMES D. HERBST. If my son does not survive me, I make this gift to my daughter-in-law, KIMBERLY A. HERBST. ITEM V: Residue. I give the residue of my estate, not disposed of in the preceding portions of this Will, to my wife, MARY B. HERBST, if she survives me. If she does not survive me, I give the residue to my son, JAMES D. HERBST. If neither my wife nor my son survive me, I make this gift to my daughter-in-law, KIMBERLY A. HERBST. If none of the foregoing survive me, I make this gift to my grandchildren, to be divided between them in equal shares. ITEM VI: Administrative Powers. In addition to the powers granted at law, the Executor shall possess the following powers, each of which shall be construed broadly and may be exercised without court approval, but in a fiduciary capacity only: Page 2 (a) Retain Investments. To retain any investments 1 have at my death, including specifically those consisting of stock of any bank even if I have named that bank as the Executor. (b) Varv Investments. To vary investments and to invest in bonds, stocks, notes, real estate mortgages or other securities or in other property, real or personal, without being restricted to so-called "legal investments", and without being limited by any statute or rule of law regarding investments by Fiduciaries. (c) Division of Assets.. In order to divide the principal of my estate or make distributions, the Executor is authorized to distribute personal property and real property partly or wholly in kind, and to allocate specific assets among beneficiaries so long as the total market value of each share is not affected by the division, distribution or allocation in kind. The Executor is authorized to make, join in and consummate partitions of lands, voluntarily or involuntarily, including giving of mutual deeds, or other obligations, with as wide powers as an individual owner in fee simple. (d) Sell Assets. To sell either at public or private sale any or all real or personal property severally or in conjunction with other persons, and to consummate sale(s) by deed(s) or other instrument(s) to the purchaser(s), conveying a fee simple title. No purchaser shall be obligated to see to the application of the purchase money or to make inquiry into the validity of any sale. The Executor is authorized to make, execute, acknowledge and deliver deeds, assignments, options or other writings as necessary or convenient to carry out the powers conferred upon the Executor. Page 3 (e) Encumber Real Estate. To mortgage real estate, and to make leases of real estate. (f) Borrow Nloney. To borrow money from any person, including the Executor, to pay indebtedness of mine or of my estate, expenses of administration or inheritance, legacy, estate and other taxes, and to assign and pledge assets of my estate. (g) Pay Costs. To pay all costs, taxes, expenses and charges in connection with the administration of my estate. (h) Distributions Without Court Order. To make distributions of income and of principal to the proper beneficiaries, during the administration of my estate, with or without court order, in such manner and in such amounts as my Executor deems prudent and appropriate. (i) Vote Stock. To vote shares of stock which form a part of my estate, and to exercise all the powers incident to the ownership of securities. (j) Reorganize, To unite with other owners of property similar to property in my estate to carry out any plans for the reorganization of any company whose securities form a part of my estate. (k) Disclaim. To disclaim any interest in property which would devolve to ine or my estate by whatever means, including but not limited to the following means: as beneficiary under a will, as an Page 4 ~~~ appointee under the exercise of a power of appointment, as a person entitled to take by intestacy, as a donee of an inter vivos transfer, and as a donee under athird-party beneficiary contract. (1) Tax Returns. To prepare, execute and file tax returns of any type required by applicable law, and to make all tax elections authorized by law. (m) Allocate Expenses. To allocate administrative expenses to income or to principal, as the Executor deems appropriate. However, no allocation to income shall be made if the effect of the allocation is to cause a reduction in the amount of any estate tax marital deduction or estate tax charitable deduction. (n) Emplov Advisors. To employ custodians of property, investment or business advisors, accountants and attorneys as the Executor deems appropriate, and to compensate these persons from assets of my estate, without affecting the compensation to which the Executor is entitled. (o) Adiust Basis. To snake any adjustment to basis authorized by law, including, but not limited to increasing the basis of any property included in my estate, whether or not passing under this Will, by allocating any amount by which the bases of assets may be increased. The Executor shall be under no duty and shall not be required to allocate basis increase exclusively, primarily, or at all to assets which pass as part of my probate estate as opposed to other property for which a basis adjustment is allowable. The Executor shall allocate basis increase equitably among those beneficiaries receiving Page 5 property as a xesult of my death, but shall not be liable to any person, nor subject to removal or surcharge, for any reasonable allocation of basis increase. (p) Compromise Claims. To compromise claims. (q) Other Acts. To do all other acts in the Executor's judgment deemed necessary or desirable for the proper and advantageous management, investment and distribution of the estate. ITEM VII: Beneficiary Under A~;e 25. If a beneficiary under the age of twenty-five (25) years is entitled to receive assets under this Will, the person who served as Executor of my estate shall retain those assets as Custodian for the beneficiary under the Pennsylvania Uniform Transfers to Minors Act. The Custodian may receive and administer all assets authorized by law, and shall have full authority as provided in the Pennsylvania Uniform Transfers to Minors Act to use assets in the manner the Custodian deems advisable for the best interests of the beneficiary. I also designate the person who served as Executor of my estate as successor Custodian of any property for which I am custodian under any Uniform Gifts to Minors Act or Uniform Transfers to Minors Act. ITEM VIII: Survival. Any person who has died within thirty (30) days of my death, or under such circumstances that the order of our deaths cannot be established by proof, shall be deemed to have predeceased me. ITEM Iii: with respect to Executors: Page 6 Executors. I make the following provisions (a) Primary Executor. I appoint my wife, MARY B. HERBST, to be the Executor. (b) Contingent Executor. In the event that MARY B. HERBST is unable or refuses to serve as Executor, my son, JAMES D. HERBST, shall serve as Executor. In the event that JAMES D. HERBST is unable or refuses to serve as Executor my daughter-in-law, KIMBERLY A. HERBST, shall serve as Executor. (c) Compensation. The Executor shall have the right to receive reasonable compensation for services rendered and reimbursement for reasonable expenses. (d) Standard of Care. No Executor shall be liable or accountable for any loss that may result from the good faith exercise of the authority granted in this Will. (e) Security. The Executor is specifically relieved from the duty of filing bond or entering security. IN WITNESS WHEREOF, I have set my hand and seal to this, my Last Will and Testament, consisting of this and the preceding six (G) pages, at the end of each page of which I have also set my initials for greater security and better %2 identification this ~ S "day of rc~ t ~- , 20 ~S. ed~ ~ C~ ~ (SEAL) AMES E. HERBST ~Ve, the undersigned, hereby certify that the foregoing Will was signed, sealed, published and declared by the above-named Testator 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 set our hands and seals the day and year first above written, and we certify that at the .time of the execution thereof, the said Testator was of sound and disposing mind and memory. ~ ,, ,, //~ ~~ J ~ GU~~ (SEAL) Residing at '~~` ~ ~~-~I J ~~L~ i (SEAL) Residing at ~-J`Z S . ~.~.~~'c~-cr.~ L~~ ACKNOWLEDGMENT COMMONV~rEALTH OF PENNSYLVANIA ) SS: COUNTY OF ~ ~ ) I, JAMES E. HERBST, Testator, whose name is signed to the attached or foregoing instrument, having been duly qualified according to law, do hereby acknowledge that I signed and executed the instrument as my Last Will and Testament; that I signed it willingly; and that I signed it as my free and voluntary act for the purposes therein expressed. (SEAL) 1 AMES E. HERBST Sworn to and subscribed before me this ~ ~(-~ day of 20 6~ Notary Public My Commission Expires: (SEAL) COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL CYNTHIA J. RULE, Notary Public Camp Hill 8oro., Cumberland.County INy Commission Expires February 3, 2008 AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA ) ~ ) SS: COUNTY OF ~.~~( ) i We, ~ ~/ -~ A G~/•/JT~~ and ~ C --- , the Witnesses whose names are signed to the attached or foreg ing instrument, being duly qualified according to law, do depose and say that we were present and saw Testator, JAMES E. HERBST, sign and execute the instrument as his Last Will and Testament; that Testator signed willingly and that he executed said Will as his free and voluntary act for the purposes therein expressed; that each of us in the hearing and sight of the Testator signed the Will as Witnesses; and that to the best of our knowledge the Testator was at that time eighteen (18) or more years of age, of sound mind and under no constraint or undue influence. Witness Witnes Sworn to and subscribed before me this ~.~`~ day of 2065 Notary Publ c My Commission Expires: (SEAL) COMMONWEAi,TFf OF PENNSYI.VANlA 1d'JTARIAL. SEAL CYNTHIA J. R?JLE, Notary Public Camp Nill Boro., Cumberland.County tNy Commission Expires February 3, 2008