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Home My WebLink About12-01-08WILLIAM M. COX RICHARD V. HOLLYER•• ROBERT T. MORGENSTERN" ROGER W. THOMAS•••• WILLIAM T. HAGGER TY EILEEN McCARTHY BORN••• •CERTIFIED BY THE SUPREME COURT OF NEW JERSEY AS A CIVIL TRIAL ATTORNEY ••ALSO MEMBER NY BAR •••ALSO MEMBER PA BAR ••••CERTIFIED WORKERS' COMPENSATION ATTORNEY DOLAN ,o,N~ DOLAN A PROFESSIONAL CORPORATION ATTORNEYS AT LAW WILLIAM A. DOLAN 11905-19 5 21 LEWIS P. DOLAN 11921-19741 ONE LEGAL LANE IAT FIFTY-THREE SPRING STREETI P.O. BOX D NANCY HESLIN READING ANAND DASH••• OF COUNSEL CHARLES J. BRAND F. CLIFFORD GIBBONS WARREN COUNTY OFFICE NEWTON, N.J. 07 860-0106 19 MAIN STREET ('7 P.O. B ~ 647 19731 383 - 1600 ~- ~~gIRSTOWd7~, N.J. 07625-? FAX 19731 383-7823 i'_;-tea 1908) ~-5600: _-\ _IT(--~ ( _~( EMAIL: dolananddolan®dolanlaw.com __ ?-- r- ~ 7 m 1 www.dolanlaw.com tj -_" - ' Register of Wills, County of Cumberland 1 Courthouse Square November 11, 2008 _ ~ ~„~ ~~`-; `. Carlisle, PA 17013 Re: The Estate of Sara H. Keller rv - o ' Dear Sir or Madame: Petition for Ancillary Probate Per your recent request we are resubmitting a Petition for Ancillary Probate in the above captioned matter so that the Executors, William F. Keller and Kurt H. Keller may sign them in your presence. As noted in our previous submission, Decedent died a resident of New Jersey and her Will has therefore been probated in New Jersey. However, Decedent owned real property in Mechanicsburg, Pennnsylvania and for that reason the Executors need to file for Ancillary Probate. To that end, please find the following documents attached to the enclosed Application for Ancillary Probate: 1. Exemplified copy of Decedent's Probated Will and Letters Testamentary and related documents (Exhibit A); 2. Affidavit of Due Diligence from each Executor (Exhibit B); 3. Appraisal of Estate Property (Exhibit C); We have included a check in the amount of $71.00 as requested by your office to cover the costs of Ancillary Probate and four (4) Short Certificate Forms. As always please feel free to call with any questions you may have Sincerely, ~~~, ~ ~ a L/ NHRad (Eileen McCarthy Bor~ / Enc. cc: Robert T. Morgenstern, Esq. Glenda Farner Strasbaugh Register of Wills & One Courthouse Square Clerk of the Orphans' Court Carlisle, Pa. 17013 Marjorie A. Wevodau (717) 240-6345 First Deputy FAX (717) 240-7797 Kirk S. Sohonage, Esquire Solicitor OFFICES OF ~rgfgter of ~irr~ anb ~Yer~ of ~P ®r~p~jang' Court ~ountp of ~utuberlaub r Date: We are unable to process the enclosed document. It is being returned to you for the following reason: ^ Must be filed in duplicate. ^ Did not include the filing fee of $ (Made payable to Register of Wills) Other: l~ h ~ n/~ L ,, ~-rr,n ~, ~ r,-I- .CL~ /rr r o ~ ~ ~ (/i rl rl ('~~" ~ 4~ ~~ ~i~Sfer ~` if ~ i II S C~F~rr~ . If you have any questions or concerns, please call the office at 717-240-6345 between 8:00 a.m. and 4:30 p.m. .. WILLIAM M. COX RICHARD V. HOLLYER•• ROBERT T. MORGENSTERN• ROGER W. THOMAS•••• WILLIAM T. NAGGER TY EILEEN McCARTHY BORN•*• •CERTIFIED BY THE SUPREME COURT OF NEW JERSEY AS A CIVIL TRIAL ATTORNEY ••ALSO MEMBER NV BAR •••ALSO MEMBER PA BAR ••••CERTIFIED WORKERS' COMPENSATION ATTORNEY DOLAN ANA DOLAN A PROFESSIONAL CORPORATION ATTORNEYS AT LAW WILLIAM A. DOLAN 11905-19 5 21 LEWIS P. DOLAN 11921-19741 ONE LEGAL LANE lAT FIFTY-THREE SPRING STREET) P O BOX D NANCY HESLIN READING ANAND DASH••• OF COUNSEL CHARLES J. BRAND F. CLIFFORD GIBBONS WARREN COUNTY OFFICE NEWTON, N. J. 07860-0106 19 MAINfySTREET ~"~ P.O. 8434 647 (9731 383 - 1600 ~ ~LIAIRSTOWWIY~' J.J. 0782-~ ~~~ ~ 1908) -5600-; c_`, FAX (9731 383- 7823 -r ~ ~ 1 , ; -, E MAIL: dolananddolan~dolanlaw.com - ~ ~ ~ "„ www.dolanlaw.com ~'%~ -' -• •: ~) Register of Wills, County of Cumberland 1 Courthouse Square November 11, 2008 _. r -,, -~ ~ :. ,._ ~, - -; Carlisle, PA 17013 Re: The Estate of Sara H. Keller N , 0 Petition for Ancillary Probate Dear Sir or Madame: Per your recent request we are resubmitting a Petition for Ancillary Probate in the above captioned matter so that the Executors, William F. Keller and Kurt H. Keller may sign them in your presence. As noted in our previous submission, Decedent died a resident of New Jersey and her Will has therefore been probated in New Jersey. However, Decedent owned real property in Mechanicsburg, Pennnsylvania and for that reason the Executors need to file for Ancillary Probate. To that end, please find the following documents attached to the enclosed Application for Ancillary Probate: 1. Exemplified copy of Decedent's Probated Will and Letters Testamentary and related documents (Exhibit A); 2. Affidavit of Due Diligence from each Executor (Exhibit B); 3. Appraisal of Estate Property (Exhibit C); We have included a check in the amount of $71.00 as requested by your office to cover the costs of Ancillary Probate and four (4) Short Certificate Forms. As always please feel free to call with any questions you may have. Sincerely, ~~ ~ ~ _~~ ~ ~ NHRad /Eileen McCarthy Bor~ Enc. cc: Robert T. Morgenstern, Esq. PETITION FOR ANCILLARY PROBATE AND GRANT OF LETTERS REGISTER OF WILL OF CUMBERLAND COUNTY, PENNSYLVANIA Estate of Sara Keller, aka Sally Keller, Deceased File No.e~~ `Q~l ~ ~ 19a Social Security No. Petitioners who are 18 years of age or older, apply for: X A. Ancillary Probate and Grant of Letters Testamentary and aver that Petitioners is/are the Executors name in the last Will of the Decedent dated September 14, 2006. Except as follows, Decedent did not marry, was not divorced, and did not have a child born or adopted after execution of the instrument(s) offered for probate, was not the victim of a killing and was never adjudicated an incapacitated person: B. Grant of Letters of Administration N/A Decedent was domiciled at death in Sussex County, New Jersey with her last principal residence at 35 Foxtail Lane Borou~.h of Hamburg, New Jersey 07419 Decedent, then 64 years of age, died on October 1.2007 at 15:00 hours Decedent at death owned property with estimated values as follows: (If domiciled in PA) All personal property $ N/A (If not domiciled in PA) Personal property in PA $238.775 (If not domiciled in PA) Personal property in County $238.775 Value of real estate in Pennsylvania $ N/A situated as follows: 1092 Bent Creek Boulevard Silver Springs Township Mechanicsburg, PA 17050 Wherefore, Petitioners respectfully request the ancillary probate of the last Will presented with this Petition in the appropriate form to the undersigned: Signature ~~~ Tvued or Printed Name and Residence ,., n William Frank Keller 1092 Benf Lek Bl ~ -` Mechanicsfi A (11750 ~'~ -- ~T '- ~ ~-'~ ~~. Kurt Haden Keller 1092 Be~;~ Blued. `~,- F _~ Mechanics~~ ., Pg~050,-- 2> f V O ~' r~ OATH OF PERSONAL REPRESENTATIVE COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND The Petitioners above-named swear or affirm that the statements in the foregoing Petition are true and correct to the best of the knowledge and belief of Petitioners and that, as personal representatives ofthe Decedent, petitioners will well and truly administer the estate according to the law. SS f~.„f 2sar~y' ~; Wi iam Frank eller Sworn to or affirmed and subscribed before me the 15T day of c~~.~ ,Zoos // . -- n`~, /1~~ ~ Kurt Hagen eller File Number: a ~_ Ug-_ 1 ~ 9 a Estate of Sara H. Keller. Deceased Social Security Number: 150-36-8892 Date of Death: October 1.2007 AND NOW, ~D ~ ~ l~ I , o2~JU8 , in consideration of the foregoing Petition, satisfactory proof having been presented before me, IT IS DECREED that the Letters Testamentary are hereby granted to William Frank Keller and Kurt Hagen Keller in the above estate and that the instrument dated September 14 2006 described in the Petition be admitted to probate and filed of record as the last Will of Decedent. FEES Regis r of Wills ~~ ~ Letters ........................... $ ~lti'v Short Certificate(s) ..(4)....... $ Attorney Signatur '' Renunciation(s) ................... $ Attorney Name: Eileen McCarth Born Exemplified Will ................ $ Supreme Court I.D. No. 58565 Probate ............................... $ Address: Dolan and Dolan, P.A. JCT and Automation......... $ 53 Spring_Street -Box D Exemplified Copy Letters Newton. NJ 07860 Testamentary -New Jersey.. $ Telephone: (9731383-1600 TOTAL $ 71.00 IN THE MATTER OF PROBATE OF THE ALLEGED WILL OF SARA H. KELLER, AKA SALLY KELLER, Deceased: APPLICATION FOR PROBATE Applicants: WILLIAM FRANK KELLER resides at PO Box 767, Kingston, Pennsylvania 17072 and KURT HAGEN KELLER resides at PO Box 767, Kingston, Pennsylvania 17072 say: 1. Decedent died resident of Hardyston Township, County of Sussex and State of New Jersey on October 1, 2007, leaving will dated September 14, 2006 . 2. Decedent left surviving heirs at law and next of kin the following persons: NAME ADDRESS RELATIONSHIP William Frank Keller PO Box 767, I~irrg5tbli, PA Son Kurt Hagen Keller PO Box 767, K~ PA Son ~~, 1G~ ~r,~' KkK 3. There are no other next of kin and all of the foregoing are of full age except as indicated above. 4. Decedent has issue living when the will was executed and no child was born or adopted thereafter. WHEREFORE, the applicants request judgment: 1. Admitting the last Will to Probate 2. Directing that letters testamentary to be granted to applicants STATE OF NEW JERSEY COUNTY OF SUSSEX n r_~ rn WIL IAM F K KELLE ~ . <' .-,~ ! v K T HAGE KELL _-~ j c.a N 0 Applicants being duly sworn, upon our oath depose and say: we are the Applicants named in the foregoing application and the allegations thereof are true to the best of our knowledge. Sworn to and Subscribed 1 this 16th day of Oct gate 2007 f~ /~~ LIA FRA KE ER -....1 t~.~,,r.s /r-...~~c K RT HAGE KELL _., ` -, . _ ._~ c_ -, `+~n ~l~e awe uF ~oa, ~mFa I, Sara H. Keller, residing at 35 Foxtail Lane, in the Borough of Hamburg, County of Sussex, and State of New Jersey, being of sound and disposing mind, memory and understanding, do hereby make, publish and declare this to be my Last Will and Testament, hereby revoking all other testamentary dispositions heretofore made by me. FIRST: I direct that all my just debts, funeral and administrative expenses be paid by my Executors, hereinafter named, as soon as conveniently may be after my death. SECOND: In the event a separate written statement, prepared and signed by me, is attached to this Last Will and Testament, it is my intention to give the persons set forth therein items of property described in said statement. THIRD: I give to my sons, William Frank Keller and Kurt Hagen Keller all of my personal property including any automobiles which I may own at the time of my death and all household items to keep or to distribute as they so choose. FOURTH: If I shall own any real estate at the time of my death, I direct my Executors to sell same and apply the proceeds to my residuary Estate. FIFTH: All the rest, residue, and remainder of my estate, of whatsoever kind and nature, whether real, personal or mixed, wheresoever situate, which I shall own or possess or to which I shall be entitled at the time of my death, including all property over which I have testamentary power of disposition or appointment, I give, devise and bequeath to my sons, William Frank Keller and Kurt Hagen Keller in equal shares, share and share alike, the children of either of my children who may have predeceased me to take the share of his, her, or their parent. LASTLY: I hereby nominate, constitute, and appoint my son, William Frank Keller and my son Kurt Hagen Keller, residing at 502 Georgetown Road, Mechanicsburg, Pennsylvania 17050, Executors of this my Last Will and Testament. I further direct that neither my son, William Frank Keller, nor my son, Kurt Hagen Keller be required to give bond for the faithful performance as Executors in this or in any jurisdiction. Sara H. Keller To my Executors in office I give full power to bargain and sell, grant and convey, at public or private sale, for cash or on credit, and upon such terms as my said Executors may deem proper, any real estate or interest in real estate of which I shall die seized or which may come into my estate. Said power of sale may be exercised for the purpose of convenient distribution of the estate or for any other reason connected with the administration of my estate. No purchaser of such property shall be bound to see to or be liable for the application of the benefits of any such sale; nor shall such purchaser be obliged to inquire into the sufficiency, necessity or legality of the exercise of this power. Whenever it shall be necessary to make any division of my estate into parts or shares, or to distribute the same, I authorize my Executors in their discretion to make such division or distribution in kind, or partly in kind and partly in money, and to that end to allot specific property or any undivided interest therein to any part or share, and the judgment of my Executors concerning the relative value for the purpose of distribution of the property so allotted, shall be final and conclusive upon all parties interested in my estate provided only that such valuations be made in good faith. IN WITNESS WHEREOF, I have hereunto set my hand and seal this 14th day of September, in the year of our Lord Two Thousand Six. ~~~ ~ ! L .~%C~ L.S. Sara H. Keller Signed, sealed and published and declared by the said Testatrix, Sara H. Keller, as and for her Last Will and Testament, on the date above written, in the presence of us, who, thereupon at her request, in her presence and in the presence of each other, all being present at the same time, have hereunto subscribed our names as witnesses. Carol A. Hamilton r nces E. ree 558A Glen Road Sparta, New Jersey 07871 20 North Clark Street Ogdensburg, New Jersey 07439 I, Sara H. Keller, the Testatrix, sign my name to this instrument this 14th day of September, 2006, and, being duly sworn, do hereby declare to the undersigned authority that Sara H. Keller I sign it willingly, that I execute it as my free and voluntary act for the purposes therein expressed, and that I am eighteen (18) years of age or older, of sound mind, and under no constraint or undue influence. ~~.~ Sara H. Keller We, Carol A. Hamilton and Frances E. Green, the witnesses, sign our names to this instrument, and, being duly sworn, do hereby declare to the undersigned authority that the Testatrix signs and executes this instrument as her Last Will and that each of us, in the presence and hearing of the Testatrix, hereby signs this Will as witness to the Testatrix's signing, and that to the best of our knowledge the Testatrix is eighteen (18) years of age or older, of sound mind, and under no constraint or undue influence. / r Carol A. Hamilton Frances E. een STATE OF NEW JERSEY COUNTY OF SUSSEX SS: Subscribed, sworn to and acknowledged before me by Sara H. Keller, the Testatrix, and subscribed and sworn to before me by Carol A. Hamilton and Frances E. Green, witnesses, this 14th day of September, 2006. Carl W. Nelson An Attorney at Law of the State of New Jersey ~~~~~~~ Sara H. Keller state of ,~ebn ~ler~ep ~iug~ex (~uuntp ~urrugate'g ~'Cuurt WILLIAM FRANK KELLER AND KURT HAGEN KELLER, Executors in the annexed writing named, being duly Sworn do depose and say that the said annexed writing contains the true Last Will and Testament of SARA H. KELLER, AKA SALLY KELLER, deceased. Further that we will, as Executors thereof, well and truly administer the estate first by paying the debts of said decedent, and then the legacies therein specified, as far as the Real and Personal Property of said decedent will thereunto extend, and the law charges; that we will, if required, make and exhibit in to the Surrogate's Court of the County of Sussex a true and perfect inventory of all and singular the Real and Personal Property which has or shall come to our possession or knowledge, or to the possession of any other person or persons to our use or our knowledge and that we will truly account when thereunto lawfully required, and that the testator died October 1, 2007. ~~ ' ~~ WIL IAM NK KELLE K RT HAGE KELL R Sworn to and Subscribed before me this 16th day of October, 2007 state of ,~ebn ~'er~ep ~ug~ex ~ountp ~urrogate'g Qtourt In the Matter of the Estate JUDGEMENT ADMITTING OF WILL TO PROBATE SARA H. KELLER AKA SALLY KELLER, Deceased: On reading and filing the application of WILLIAM FRANK KELLER and KURT HAGEN KELLER, demanding probate of the Last Will of decedent, and applying for letters testamentary thereon; and the Surrogate having inquired into the circumstances and taken proof, and being satisfied as to the genuineness of the Will produced, and the validity of its execution; and it appearing that the testate died more than ten days ago, and that no caveat has been filed against the probate of the Will; It is thereupon on the 16th day of October, 2007, adjudged that the instrument offered for probate be and it hereby is established as the Last Will of the said decedent and the same be and hereby is admitted to probate. It is further adjudged that Letters Testamentary thereon be issued to, WILLIAM FRANK KELLER and KURT HAGEN KELLER, Executors named in the said Will, upon their qualifying as su ecutors. (~ (~ Surrogate estate of .~ebn ~lergep ~iu~gex (~uuutp ~urrogate'~ ~uurt I, NANCY D. FITZGIBBONS, Surrogate of the County of Sussex, do certify the annexed. to be a true copy of the Last Will and Testament of SARA H. KELLER AKA SALLY KELLER, late of the County of Sussex, deceased, and WILLIAM FRANK KELLER and KURT HAGEN KELLER, the Executors, therein named proved the same before me, and are duly authorized to take upon themselves the administration of the Estate of the Testator agreeably to the said Will. Witness my Hand and Seal of Office the 16th day of October in the year of our Lord F1LED & RECORDED _ /4•!~•20O NANCY FITZGIBBONS Surrogate two thousand and seven. IN THE MATTER OF THE ESTATE OF AUTHORIZATION TO ACCEPT SERVICE OF PROCESS SARA H. KELLER, AKA SALLY KELLER, Deceased: KNOWN ALL MEN BY THESE PRESENTS, that WILLIAM FRANK KELLER resides at PO Box 767, Kingston, Pennsylvania 17072, and KURT HAGEN KELLER resides at PO Box 767, Yu.tiJ , ~t ~~ KKK i~gs~eii, ennsylvania 17072 do hereby appoint NANCY D. FITZGIBBONS, Surrogate of the County of Sussex, in the State of New Jersey, and her successors in office, attorney, upon whom may be served all process affecting the aforesaid estate, or any interest therein, whereof we are the Executors and do further agree that any process against the aforesaid estate, so served, shall be of same effect as if duly served upon us within the State, pursuant to the provision of N.J.S.A 3b: 14-47 ~~ WIL AM FRANK KE LE Sworn to and Subscribed to me before this 16th day of Oct er~2007 ~.!\ .. Surrogate K RT HAGE KE ER Rob rt T Morgenstern, Esq. PO OX Newton, New Jersey 07860 ~ ' Mate of .~etti ,~Ter~ep ~uggex ~ountp ffiurrogate'~ court I, NANCY D. FITZGIBBONS, Surrogate and Ex-officio Clerk of the Surrogate's Court of Sussex and State of New Jersey, do hereby certify that I have compared and annexed copy of Application, Last Will and Testament, Executors Oath, Judgment, Letters Testamentary, Authorization and T1Parh ro,-*;~;,.,.~_ with the records thereof, now remaining in this office, and have found the same to be a correct transcript thereof. I FURTHER CERTIFY that the said Last Will and Testament of SARA H. KELLER, a/k/a SALLY KELLER was duly executed and proven agreeably to the laws and usages of the State of New Jersey. IN TESTIMONY WHEREOF, I have hereunto set my hand and affi my official seal of office t 2nd day of Octob r 2008 Surrogate and Clerk of Mate of ,hem ,~ler~ep ffius'~ex f~oiaYtp ffiurrogate'~ (court I, NANCY D. FITZGIBBONS, Surrogate and Judge e Surrogate's Court of the said County of Sussex, in said State, do hereby certify that NANCY D. FITZGIBBONS whose name, in her own proper handwriting, subscribed to ~, is, and was, at the time the same bears date, Surrogate of said County and ex-officio Clerk of the Surrogate's Court thereof, and that full faith and credit are due to her official acts. AND, further, that the seal attached to said certificate is her official seal and the seal of the said Surrogate's Court, and that the said certificate is in due form and made by the proper officer, and would be received in evidence in the Courts of this State. IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed my official seal of of e t is 2nd day of t er, 2008 Surrogate and Mate of ,~ebn ~er~ep U ~u~~ex Q'CDUntp surrogate' (court I, NANCY'. FITZGIBBONS, Surrogate and Clerk of the Surrogate's Court of the said County of Sussex, in said State, do hereby certify that NANCY D. FITZGIBBONS, whose name is subscribed to the preceding certificate, is Surrogate and Judge of the Surrogate's Court of the said County of Sussex, duly commissioned and qualified, and that her signature to said certificate is genuine. To all whose acts as such, full faith and credit are due and given, as well in courts of judicature as elsewhere. 1N TES"l IMONY WHEREOF, I have hereunto set my hand and affixed my official seal of offi this 2nd day of 0 der, 2008 Surrogate and J Surrogate' i~ n ~_- _,_, -= ~- L. _. _,. -:-;_ ;c~ _. _~_f --~ ~-, -~ APPRAISAL OF REAL PROPERTY LOCATED AT: 1092 BRENT CREEK BLVD, SILVER SPRING TWP MAP # 38.06-0011 MECHANICSBURG,PA17050 FOR: DOLAN 8 DOLAN ESOS 53 SPRING ST., PO BOX D, NEWTON NJ 07860-0108 AS OF: OCTOBER 1, 2007 BY: STUART R KERR, IFAC ~_, __> ~. ~ c-~ t --c~ (~.~ _-,-- '; <_ ~_~ ~_ ~ .. ,:- ~' l form GAB -'TOTAL for windows' appraisal software by a la mode, inc. -1-800-ALAMODE ERA Mebi Realty Uniform Residential Appraisal Report File# The ose of this summa sisal ort is to rovide the lender/cGerrt witll an accurate, and ad oats su orted, o inien of the market value of the subject ro Pro AddfeSS 1092 BRENT CR EK 8 VD SILVER SPRING TWP Ci MECHANICSBURG State PA L Code 17050 BOneWer ESTATE OF SARA H KELLER OWner Of PUbIIC RBCOrd ESTATE OF SARA H KELLER Coa CUMBERLAND COUNTY L al DeSCd tbn MAP # 38-OB-0011 Assessor's Parcel # oos 1a0 3a-0so Tax Year 2008 R.E. Taxes S 2 219.76 Nd hborh00d Name BENT CREEK Ma Reference HAGSTROM Census Tract N/A Occ ant Owner Tenant Vacant S ecial Assessmerds S NO PUD HOA S 100 ear er mordh " Pro Ri hts A raised Fee Si k Leasehold Other describe ASST nt T e Purchase Transaction Refinance Traroaction Otller describe ESTATE VALUATION FOR HEIRS LEndeUCHeM DOLAN 3 DO ESOS Address 53 SPRING ST. PO BOX D NEWTON NJ 07880-0108 Is the sub ect cone offered for sale or has tt been oftrxed for sale in the lwdve months dor to the effective date of this sisal? Yes No R rt data SOaC S used Offeri rlCe S and date S . NOT LISTED FOR SALE PAST YEAR. I ^ did ^ did not anaryze the contract for sale for the subject purchase transaction. Explain the results of the anaysis of dce contract for sale or why the anarysis was not rtOrmed. NOT APPLICABLE Contract Price S N/A Date of Contract Is the ro seller the owner of ubHc record? Yes No Data Source s Is there arty financial assistance poan charges, sale concessions, gift or dawnpayment assistance, etc.) to be paid by any party on behalf of the borrower? ^ Yes ^ No tt Yes, ort tl1e total dollar amount and describe the ttems to be aid. Nots: Race and the racial com anion of the net hfwrlfood are not a sisal factors. Naf Cfwrarzerhtla tkle-Untt tfond Tranda Ooe-lhdt PraiarN t.and Use x Locabon Urban Suburban Rural Pro Values Increasi Stable Declinin ('RICE AGE One-lJrit % Built-U Over 75% 25-75% Under 25% D~rland/S Strorta a In Balance Over S S 000 2-4 Unit % Growth Ra b Stable Sbw Martretl Time Under 3 mites 3.6 mites Over 6 mlhs 230 Low NEw Multl-Fami 100 % N ' hborhood BOIaMafIES BENT CREEK OFF OF RT 114 SOUTH OF RTE 81 SILVER SPRING 250 H' h 10 Commercial % ,', MECHANICSBURG P.O. 240 Pred. 5 Otlrer NONE % Nd hborhood DesCd tlOn UPSCALE NEIGHBORHOOD OF YOUNG TOWNHOUSES ALL IN THE SAME GENERAL VALUE RANGE AS THE SUBJECT. Market COndltlOflS InCkldl Sn OR fer the above COrICbSiOnS THE LOCAL MARKET IS SLOW AFTER SEVERAL YEARS OF FAST APPRECIATION. LENDERS HAVE TIGHTENED BUYER AND PROPERTY REQUIREMENTS. DlmenSlOnS FOOT PRINT OF HOME Area N/A Sha a N/A YIBW RESIDENTIAL S If IC ZOnln CIaSSIfICaUOn CONDOMINIUM Zonln DeSCfI ben ALLOWS ONE FAMILY ATTACHED HOMES Zoni Com Hance L al L al Nonconformi Grandfathered Use No Zorn II al describe Is the 'hest and best use of subject ro as im roved w as ro osed er Ions and s ecificatrons the sent use? Yes No tt No, describe TYPICAL OF HOMES IN NEIGHBORHOOD Ut6tlea Puldie Otlbr deacnbe Puldie Otlrer deacdbe Otf-ales Hn rovemente - T Publie Prirete Electric' Water Street PAVED GaS $anita SBWBr AI NONE FEMA S cial Fbod Hazard Area Yes Na FEMA Fbod Zone C FEMA Ma # CURRENT FEMA M Date OCT s 2000 Are ills utrOtles and off-site im rovemerds ical for the market area? Yes No tt No, describe Are there an adverse site conditlons or external factors easements, encroachmems, emironmerltal conditbns land uses dc. ? Yes No If Yes, describe NONE KNOWN OR OBSERVED General n Found~gpn Exterbt. itpfta-We(f"andRinn Ytarbr miExWa/aorlrgtlwr'; Units One One with ACCBSSe Unit COnC(etE Slab PiraWl S Ce FOUIIdadOn Walls POURED CONCRETE Floers W W VINYUGOOD # Of StOdeS 2 FuH Basemerd Partial Basement Exkriar Walls VINYL /GOOD WaliS SHEETROCKlGOOD T Det Att. S-DetJEnd Untt Basemerd Area 1 000 s .ft. Roof Surtace ASPHALT SHINGLE TrinVFnish sTD l GOOD EldStln Pra aced Under DOnSt BBSement Finish UNFIN % Gutters S DOwn$ UtS YES !GOOD Bath Floor VINYL /GOOD Desi n S k CONDOMINIUM Outside En /Exit Su Window T e YES /GOOD Bath Wainscot YES /GOOD Year Built 2006 Evidence of Infestation N Storm SaslNnsulatud vES /GOOD Car Stara None Effective A rs 2 YEARS Da ness Setllement $CreenS SOME Drivewa # of Cars 2 Atfb None Heati FWA HWBB Radi Amenitres Woodstave s # Drivewa Surface PAVED Dra Stair Stairs Other Fud GAS Fl laces # Fence Gaya e # of Cars 2 Fbor Scuhle Coa' Central Air Conditiord Patro/Deck Porch Car ort # of Cars Rrished Heated bdividual Other Pool Otller Att DeL Brdtt-in A Hances Refri rata Ran e/Oven Dishwasher Dis osal Microwave Washer/D er Other describe Finished area above rode cardains: 7 Roars 3 Bedrooms 2.5 Baths 1 768 S oars Feet of Gross Livi Area Above Grade Additional features S 'ai ener effiCierrt items etc.. 3 CEILIN FANS FP C 2 PORCHES . Describe the conditron of the roe inchxtln needed re airs, deterioration reravatlons remodeNn etc.. APP S ALMOST NEW. OBJECT HAS BEEN WELL CARED FOR SINCE CONSTRUCTION. Are breve a sical deficiencies or adverse condiUoru that affect the Hvabi soundness, or structural i rt of Ole ? Yes Na tt Yes describe NONE OBSERVED OR KNOWN Does the a eneral cordorm to tlu! ne' hbortrood functional utll' , s , conditlon, use constn~tbn, etc. ? Yes No tt No, describe TYPICAL OF NEIGHBORHOOD. 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 ERA MekH Realty Uniform Residential Appraisal Report Flle# The ose of tttis summa a sisal r ort is to rovide the lender/cdent witti an accurate, and ~ ua su rted, o inion of the market value of the subject ro Pro Address 1092 BRENT CREEK BLVD SILVER SPRING TWP Ci MECHANICSBURG SCdte PA L Code 17050 BOrroWer ESTATE OF SARA H KELLER Owner of Public Record ESTATE OF SARA H KELLER CO CUMBERLAND COUNTY L al Descri tlon MAP # 38-06-0011 Assessor's Parcel # 005 140 34-060 Tax Year 2008 R.E. Taxes S 2 219.79 N ~ hborhood Name BENT CREEK Ma Reference HAGSTROM CenSUS Tract NIA Occu am Owner Tenant Vacarn S ecial Assessments S NO PUD HOA S 100 rear r mornh " Pro Ri hts A raised Fee Sim k Leasehdd Other describe ASST rmenf T e PUfChaSB TfanSaCtlOrl Refinance Transactbn Other describe ESTATE VALUATION FOR HEIRS Lerldef/CIIEnt DOLAN 8 DOLAN ESOS Address 53 SPRING ST. PO BOX D NEWTON NJ 07860-0106 Is the sub' t o came offered for sale or has ft been altered for sale in the twdve momhs dor to the effective date of this a sisal? Yes No R ort data sources used otteri rlCe S and data 5 . NOT LISTED FOR SALE PAST YEAR. I ^ did ^ did rat analyze the contract fa sale for the subject purchase transaction. E~lain the resrtits of the anaysis of the contract for sale or why the anatysis was not rfonned. NOT APPLICABLE Contract Price S NIA Date of Cornrdct Is the ro seller the owner of ub4c record? Yes No Data Source s Is there any financial assistance (loan charges, sale concessions, gift or downpaymern assistance, etc.) to be paid by any party on behalf of the borrower? ^ Yes ^ No If Yes re rt the total dolgr amount and describe the items to be aid. Note: Rau and the racial com eition of the ne hborhoad aro not a roieal factors. thuacterfetla One•Untt Houei Trer~a One-UnH PraearN Land Use% Location Urban Suburban Rural Pro Values Increasi Stable DecNni PRICE AGE One-Ural % Built-U Over 75% 25.75% Under 25% Demand/Su Shorts a In Balance Over S $000 2-4 Unit % Growth Ra id Stable Slow Marked Time Under 3 mlhs 3-6 mtlls Over 6 mlhs 230 Law NEW Multl-Fami too % N ' hborhood Boundaries BENT CREEK OFF OF RT 114 SOUTH OF RTE 81 SILVER SPRING 250 H' h 10 Commercial % MECHANICSBURG P.O. 240 Pred. 5 Other NONE % Nei hborhood Descrt lion UPSCALE NEIGHBORHOOD OF YOUNG TOWNHOUSES ALL IN THE SAME GENERAL VALUE RANGE AS THE SUBJECT. Market Conditions mcludin SU ort for the above conclusions THE LOCAL MARKET IS SLOW AFTER SEVERAL YEARS OF FAST APPRECIATION. LENDERS HAVE TIGHTENED BUYER AND PROPERTY REQUIREMENTS. DlmenSl0r15 FOOT PRINT OF HOME Afea NIA $ e NIA YIeW RESIDENTIAL S eCIfIC Zeni CNtSSfflCatiOn CONDOMINIUM ZOnln DesCfl lion ALLOWS ONE FAMILY ATTACHED HOMES ZoN Com Nance L al L al Noncornomd Grandtathered Use Ne Zonin I al describe Is the 'hest and best use of sub' t ro as im roved or as ro osed r laps and s ecifications the resent use? Yes No ti No, describe TYPICAL of HOMES IN NEIGHBORHOOD UdNiea PuWie OtMr deeerAx PubNe Other describe ON-sbeYn rovemenls-T PuWie PrNate Electric' Water Street PAVED Gas SanNa Sewer ANe NONE FEMA S ial Fbod Hazard Area Yes No FEMA Fbod Zone C FEMA Ma # CURRENT FEMA M Date OCT 6 2000 Are tiB utilities and off-site i rovemerns ical for the market area? Yes Na tl No describe Are tilers an adverse site conditlons or ademal factors easements, encroachmerns environmental conditbns land uses etc. ? Yes No tt Yes, describe NONE KNOWN OR OBSERVED Gettand n Formdation Fxterlor araterldffpptldttNOn` interior rmrR~ort: Units One One with ACCeSSO Und Concrete Slab Crawl S ace FOUrldatiOn Walls POURED CONCRETE Floors W W VINYL/GOOD # of Stones 2 FvN Basarxxd Partial Basement Exterior WaNs VINYL /GOOD WaNs SHEtTROCK/GOOD T Det. Alt S-DetJEnd Una Basemern Area 1 000 S .fL ROOF SlxfacE ASPHALT SHINGLE TrtnyFnish STO !GOOD E>astin Pro used Under ~OIISt Basement Rnish UNFIN % Gutters 8 Dawns utS Y S /GOOD Bath FbOr VINYL /GOOD Dell n S le CONDOMINIUM Outside /FJdt SU Pum Window T YES !GOOD Bath Wainscot YES !GOOD Year Buitt 2006 Evidence of kdeStatiOn NO StOfm S251VIIISUIated YES !GOOD Car Story a None Effective A e rs 2 YEARS Da rless Setilemern Saeens SOME Drivewa # of Cars 2 Attic None Head FWA HWBB Radiant Amenities Woodstov s # Drivewa Surtace PAVED Dra Stair Stairs Otixe Fad GAS R laces # Fence Cara e # of Cars 2 Fbor Scuttle Cooli Central Air Conditiera Patio/Deck Porch Ca oR # of Cars Rrlisfled Heated Individual Other Pool Other AtL Dec BuiR-in Nantes Refri erator Ran eJOven Dishwasher Dis osal Microwave Washer/ er Other describe Fnisfxld area above rode cornains: 7 Rooms 3 Bedrooms z.5 Baths 1 Ise S uare Feet of Gross Llvi Area Above Grade Additional features s ial errer ef8ciern items etc.. 3 CEILING FANS FPLC 2 PORCHES . Descdbe the condition of the a includin deeded r airs, detedoration rerav~ans remodel etc.. APPEARS ALM ST NEW. SUBJECT HAS BE N W ELL CARED FOR SINCE CONSTRUCTION. Are there a skal deficieraies or adverse conditions that affect tfre Rvab' sowMness or siroctural I of the ro ? Yes No ti Yes, describe N NE OBSERVED OR KNOWN Does the a eneral conform to tire nei hborhaad functional util' e, condition use, conswetbn, e~. ? Yes No N No, desuibe TYPICAL OF NEIGHBORHOOD. Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005 Form 1004 -'TOTAL far Windows' appraisal software by a b node, inc. -1-800-ALAMODE Uniform Residential Ao~raisal Report ca.r There are 3 co arable ro es come offered for sale in the subject net Ilearhood rani in rice from S 21 a 990 to S gas 9s0 Ttwre are 3 co arable sales in the sub ec t net hborhood witllin the ast twelve moa tls rani in sale rice from S 205 sso to S 233000 FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 1092 BRENT CREEK BLVD SILVER SPIRNG - 22 SUMMER LANE SILVER SPRING 16 ELLINGTON ROAD SILVER SPRING 1161 CROSS CREEK HAMPDEN Pro7dm' t0 SUb'eCt 2 MILES 2 MILES 2 MILES Sale Price $ N( $ 205 000 $ 230 000 $ 233 000 Sale PriceJGross Liv. Area $ N/A S it. $ 118.50 S .tt . S 127.07 S .ft. S 117.97 S .h. Data Solaces MLS 6 EXTERIOR INSPECTION MLS 8 EXTERIOR INSPECTION MLS 8 EXTERIOR INSPECTION Verification Sources PUBLIC RECORD S PUBLIC RECORD S PUBLIC R CORD S YALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - S Ad' invent DESCRIPTION + - $ Ad'usiment DESCRIPTION + - S Ad'ustment SBIes Or Financing ~OnCeSSIOrIS NONE KNOWN NONE KNOWN NONE KNOWN Date of SaleJTime 12/21/2007 1 v10/2007 a/2oro8 LOCafion BENT CREEK WALDEN +5 000 WALDEN +5 000 CROSS CREEK Leasetald/Fee Sim k FE SIMPLE FEE SIMPLE FEE SIMPLE FEE SIM E Slte CONDOMINIUM CONDOMINIUM CONDOMINIUM CONDOMINIUM View REST NTIAL RESIDENTIAL RESIDENTIAL RESIDENTIAL Des n S le CONDOMINIUM CONDOMINIUM CONDOMINIUM CONDOMINIUM Ouaf Of COnStNCfi011 AVERAGE AVERAGE AVERAGE AVERAGE ACtUiI e 2 YEARS NEW NEW 5 YEARS +5 000 COndlilOn VERY GOOD SIMILAR SIM1t.AR SIMILAR Above Grade Total Bdrms. Barks Total Bdrms. Baths Total Brims. Badws Taal Bdrms. Badls ROOM Count 7 3 2.5 7 3 2 7 3 2 7 3 2 Gross Livi Area 1 7sa s .tt. 1 73o s .tt. 1 B1o s .tt. 1 975 s .tt. -s o00 BaSemenl & FOiShed ROORIS Bebw Grade FULL UNFIN FULL UNFIN FULL UNFIN FULL UNFIN FUncficnal U61' A RAGE AVERAGE AVERAGE AVERAGE - Heafi Conlin FWAAC FWAAC FWAAC FWAAC • Ene Etticierdhems WINDOWS WINDOWS WINDOWS WINDOWS tiara e/C 2 CAR 2 CAR 2 CAR 2 CAR - PorcfVPado/Deck 2 PORCHES NO +4 000 NO +4 000 NO +4 000 FIREPLACE FPLC FPLC FPLC • Net Ad'ustment Total + - S 9 000 + - $ 9 000 + - $ 3 000 Adjusted Sak Pdce of Com arabks Net Adj. 4.4 % Gross Ad'. 4.4 % S 21a o0o Net Adj. 3.9 % Gross Ad'. 3.9 % S 23s o0o Net Adj. 1.3 % Gross A '. 6.4 % $ 23s ono - I did did not research rile sale or transfer hi sto of the sub ect ro and co arab le sales. ff not, ktin M research did did not reveal an rior sales or transfers of rile su ect ro for dre three ors 'or to rile effective date of this raisal. Dated SOaCe S PUBLIC RECORDS research did did not reveal an rior sales or transfers of the com arable sales for rile ear rior to the date of sale of rile co arable sale. Data SOUfCe S PUBLIC RECORDS Re ort the results of rile research and ana sis of the rior sale ar transfer Idsto of the subject ra a and com arable sales re rt addifienal rior sales on a e 3 . ITEM SUBJECT COMPARABLE SALE #t COMPARABLE SALE #2 COMPARABLE SALE #3 Date Of Prior SaIPJTranSfer MAY 31 -2006 NOT SOLD NOT SOLD NOT SOLD Price Of Prior SaleRrarnief 238 775 PAST YEAR PAST YEAR PAST YEAR Data Source S DEED PUBLIC RECORDS PUBLIC RECORDS PUBLIC RECORDS Effective Date Of Data Source S CURRENT CURRENT CURRENT CURRENT Ana sis of riar sale or transfer Ids Of tfle Sub~ect ro and CO arable Saks NOT APPLICABLE Su Of Sales Com arlSOn A roach THE COMPARABLE SALES US DARE SIMILAR SIZ AND TYPE CONDOMINIUMS IN THE SAME AREA A S THE SUBJECT. THE PROPERTY WAS PURCHASED NEW BY SARA KELLER MAY 2006 FOR 238 775. IT DOES NOT APPEAR TO HAVE CHANGED VALUE UP OR DOW N SINCE THE PURCHASE AND THE APPRAISER W ILL THEREFORE VAL E IT AS OF THE DATE OF DEATH AT THE SAME VALUE PURCHASED 238 775-0CTOBER 1 2007 Indicated Value b Sales Can orison oath S 238 775 Indkated Yalue :Saks Com loon roads S 238775 Coat A tit (H develo 1 S N/A Income ch ('d ) S • This appraisal is made ®"as is", ^ subject to compktlon per plans and specificaBons on the basis of a hypathedcal condition that the improwarlerds have been completed, ^ subject to the folbwing repairs or alterations on tfte basis of a hypatllefical condition that the repairs ar atterati0lx have been completed, or ^ subject to the • folbwi r wired ins ecfi0n based on tlce eldraordi assum lion that tree condition or ddicienc does not r airs akerafion or air: NO CONDITIONS TO THIS APPRAISAL. Based on a complete viswt ina n of the kderia aM exterior area of Hle aubjed propeAV, tkfined scope of work, atatemem of aasumptiona and Bmding condMiom, and appraiser's tbn, my (our) opinbn of the market value, as defk»d, of the real property that u the subject of thin report is S 238 775 as O} OCTOBER 1 2007 whkh le the date Of Ins nand the effedhN date d thb ralsal. Freddie Mac Form 70 March 2005 Page 2 of 6 Fannie Mae Form 1004 March 2005 Fam 1004 -'TOTAL for windows' appraisal software by a la mode, arc. -1-800-ALAMODE Uniform Reslden~al Appraisal Report sex SUMMARY APPRAISAL REPORT: This is a written ared under Standards Rule 2-2 b of a Com ere ar Limited sisal armed under Standard 1. USPAP 1994 edition. Definitions sectron effective 7/'1/94 . NOTE: This contains summ diswssions of the data reasonin and anal es that were used ro Bevel the 'nbn of value. It also includes summ descri of the su 'act the 's locale the market of the and the raisers o ' n of h' hest and best use. An data reasonin and anal not discussed in the Summ 'sal R rt are retained in the 'ser'a work fAe. It is noted that tom ble sales occuned within 6 months 'or of the sisal date. It is noted that all tom le sales are located more than one mae from the su 'ed. Due ro recent sales inac' ' of tom le Frames he su 'ecYs n ' hborhood k was necessa ro utilize sales from tom ti borhooda. All are similar and 'es as the su 'ect. Use of different s e homes to cam ro the su 'ect is due to limited sales data for similar desi ed units in the su 'act's area. AN had similar util' . COST APPROACH TD YALItE nol FMgtk Mae Provide ad oats irdonnation for tlvr knderlckerrt to re 'ate the bebw cost fi ores and cabulatlals. Su rt for rite o inion of site value sunlrna of C arable land Sales Or other metlrodS for estinlati Slte value NOT USED DUE TO MARKET DIRECT SALES COMPARISON APPROACH BEING SUFFICIENT. ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE ___-_._...___--~_..___ =S Source of cost data DWELLING S .Ft S =S Ou ' rati from cost service Effective date of cost data S .Ft S =S Commends on Cast A roach ross livi area tabulations, de reciation, ~c. ______ =S Gars dCar ort S .Ft S _ =S - -- TatalEstimate of Cost-New _ _ _, _$ NOT APPLICABLE LESS Sical FUncdOOal E>Qemal De raciation =S D reciated Cast of 1 rovemems ._ _ __ _$ "As-is" Value of Site I rovements ..______.. _ ___^ , =S Estimated Remainin Economic L'rfe HUD and VA Years WDICATED VALUE BY COST APPROACH _.T_,__.__.____ =S APPROACH TO VALUE not Priratie Wej = Estimated MorNd Market ReM S X Gross Relit Multi tier N/A = S kldicated Vabe b Income A roach Summa of Income A ach incbdin s rt for market nerd atb GRM PRO.lECT UiFORMATION f-0R PU6s ) Is the deveb /builds in control of the Homeowners' Association HOA ? Yes Na UrM s Detached Attached Provde the folbwi information for PUDs ONLY if the deveb r/builder is in cordrol of the HOA and the sub'ect is an attached dweNin unit. L al Name of Pro ect N/A Total number of ases Total number of units Total number of units sold Total number of units rented Total number of units for sale Data source s - Was drE 'ect created b the conversion of epstin brildin s imo a Plm? Yes No h Yes, date of conversion. .Does the ect contain an multi-dweDn units? Yes No Data Source Are the units common elements, and recreation facilities co lets? Yes No n No describe the status of co titian. Are the cortrnon elements leased to orb the Homeowners' Association? Yes No h Yes describe the rerdal terms and a bons. Describe commart elenlems and recreational facilities. Freddie Mac Form 70 March 2005 Page 3 of 6 Fannie Mae Form 1004 March 2005 Form 1004-'TOTAL for Windows' appraisal software by a H mode, inc. -1-B00-ALAMODE Uniform Residential Appraisal Report ~„~ 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 condtons, 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. Modficatons 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 irrterior 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. DEFINRION 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 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 idenfrfiable 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 CONDI110NS: The appraiser's cert'rfication 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 (a other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an idenfrfied 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 pertorming 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 ar 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 Fomt 1004 March 2005 Portn 1004 - "TOTAL for Windows' appraisal saftwaro by a la mode, inc. -1-?l00-AIAMODE Uniform Residen~al Appraisal Report sex APPRAISER'S CERTIFlCATION: 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 pertonned a complete visual inspection of the irderior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identdied 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 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. 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, ver'died, 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 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 pro>amity 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 condttions 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 na 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 specfic 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 spec'dic 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 specfic tasks pertormed in this appraisal report. I certify that any individual sa named is qualffied 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 tt. 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 Forrn 70 March 2005 Page 5 of 6 Fannie Mae Form 1004 March 2005 Farm 1004 -'TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAfMODE uniroml HesiaenUai Appra)sai Report Fd~~ 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 ('rf 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 Unfform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video 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 irrtentional 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 CERTIFlCATION: The Supervisory Appraiser cert'dies 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 certrficafion. 3. The appraiser identrfied in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qual'died to pertorrn 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), ar 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. APPRAISER3_. Signature ~~~ Name STU RT R KERR, IFAC Company Name KERR REALTY APPRAISAL COMPANY Company Address PO BOX 1205. MILFORD. PA 18337 Telephone Number 57o-2os-sass Email Address susan coursen@vahoo.com Date of Signature and Report oclater 1s. z00a Effective Date Of Appraisal OCTOBER 1, 2007 State Certffication # or State License # GA 000828E or Other (describe) State # State PENNSYLVANIA Expiration Date of Cert'rfication or License JUNE 29.2009 SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name Company Address Telephone Number Email Address Date of Signature State Cert'rficafion # or State License # State Expiration Date of Cert'dication or License SUBJECT PROPERTY ADDRESS OF PROPERTY APPRAISED 1092 BRENT CREEK BLVD. SILVER SPRING TWP MECHANICSBURG, PA 17050 APPRAISED VALUE OF SUBJECT PROPERTY $ 238.775 LENDER/CLIENT Name Company Name DOLAN 8 DOLAN ESOS Company Address 53 SPRING ST.. PO BOX D, NEWTON NJ 07660-0106 Email Address ddananddan~ddanlaw.com ^ Did not inspect subject properly ^ Did inspect exterior of subject property from street Date of Inspection ® Did inspect interior and exterior of subject property Date of Inspection OCTOBER 12.2008 COMPARABLE SALES ^ Did not inspect exterior of comparable sales from street ® Did inspect exterior of comparable sales from street Date of Inspection OCTOBER 12, 2008 Freddie Mac Form 70 March 2005 Page 6 of 6 Fannie Mae Fonn 1004 March 2005 Form 1004 -'TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE unrtorm rcesiaermat Appraisal report ,mss • 21. The lender/GierN may disclose or d~stribube tl~.s appraisal report to: the borrower; lender at the request of the borrower; the mortgagee ar its successors and assigns; mortgage issuers; govemrnent sponsored enteprises; other ~cedarY market partir~parNs; data cdlection ar ngortirlg services: P aPP-aisaf : amY . agency, or irLSUnrrriertafity of the United States: and arty state. the District of Calurlbia. or atlner jLlrisdictions: witiaut having to otNain the appraiser's or supervisory appraisers (If appicable) consent Such consent must be obtained before this appraisal report may be disclosed or ds~ubed to arty otlner party (Includ'ng, but not Ymited to, the public thraigfn advertising, public relations. news. sales, or other media). 22. 1 am aware that arty disclosue or distrbirtiar of tttiss appraisal report by me or tine lender/Gierrt may be subject to certain laws and regrllatiorls. Further. I am also subject to the provisions of the Uniform Stanndards of Professional Appraisal Practice that pertain m disclasue or dlstribintion by me. 23. The borrower, anottrer lerlde at the request of the borrower. the mortgagee ar ifs successors and assigns, mortgage insurers. goveruried sponsored enterprises. and otllix serwrrdary rrnaticet participarrts may rely on this appraisal report as part of arty mortgage finance transaction thart inBlves arty one or more of these parties_ 24. tl this appraisal report was irarlsmitted as an 'electronic record' carNaiiing my "electronic sigtlatrnre," as tfase terns are defined n applicable federal and/or state laws (elydudig audio and video recordngs), or a facsinie transmission d this appraisal report wrltai-wg a copy or represernlation of my sigrratrre, the appraisal repot shall be as effective, enforceable and valid as "d a paper version of this appraisal report were delivRred corMaining my original hand wnltern signabre. 25. Arny irntentional or negligent misrepresertatiori(s) cantairned in this appraisal report may result in civi Mobility anrVor criminal penalties urcludsrg. but rat farlrted to, fine or imptisaanert or both under Use provisions of Title 18, lJruted Slates Code. Section 1001. et seq.. or sianilar state laws. SUPERVISDRYAPPRAISER'S CERTIRCATION: The Slnpevisay Appraser certifies and agrees ttrat 1. I directly siipevised the appraiser for this appraisal assigorrert, have read the appraisal report, and agree witll the appraisers analysis, apirnians, statennerts, conclusions. and the appraisers cerhification_ 2. I accept full responsibility for the corrtenLS of tics appraisal report indudng, but not united io, the appraiser's analysis. opinions. statertieMs, carndusions, arnd the appraiser's certification. 3. The appraiser identified in this appraisal report is edher asub-contractor ar ari employee of the sigamsory appraiser (ar the appraisal firm), is quaFfied to perform this appraisal, and is acceptable to perform tics appraisal alder the appicable state law. 4. This appraisal report corrlp5es vlritin the lJrnform Standards of Professional Appraisal Practice tiiat were adopted and promulgated by the Appraisal Standards board of The Appraisal Faurndafion and that were in place at the time this appraisal report was prepared. 5. ti this appraisal report was transmitted as an "electronic record' cerdaiiilg my "electronic sigrn~lrre," as those terms are defined in applicable federal and/or state lairs (exchrdrg audio and video recorrfiigs), or a facsimile transmission of this appraisal report cBrNairrg a copy or reprn~errhation of my signabrre, the appraisal report Shah be as effective, ertorceable and valid as 'rf a paper version of this appraisal report were delivered containing my original hand written signahre. APPRAISER Signature ,~ Name R 103iR, IFAC Comparry Name KERB REALTY APPRAISAL COMPANY f.Ormpamy Addn:SS PO BOX 1205. MILFORD, PA 183:17 Telephone Number sio-2os-5ae5 Email Address wean caraer~alroo-con Date of Signature and Report Ocomer 1s. zoos Effective Date of Appraisal ocrOBet t. 200 State Certification # or State License # GA aoo6zeL ar Other (describe) Starve ~ State PENNSYLVANIA Date of Certification or license rare= zs. zoos ADDRESS OF PROPERTY APPRAISED 1092 BRENT CREEK BLVD. SILVER SPRING TWP MECHANICSBURG, PA 17050 APPRAISED VALUE OF SUBJECT PROPERTY; 236.ri5 LENDER/CLIENT Name Connparry Name DDLAN a DOLAN F_SQS CORlparly Address 53 SPRING ST., PO BOX D, NEWTON NJ 078600106 Email Address .cam SUPERV~ORY APPRAISER (ONLY ~ REQUIRED) S Name Canparny Address Telephone Nurlbe 6rlai Address Darts of Signnature State Certification #E or State license #F Slate E~irafion Date of Cetification ar Licernse SUBJECT PROPERTY ^ Did nd inspect subject propety ^ Did inspect e~erior of subject prgnety from street Dale of Innspection ® Did inspect inferior and elderior Qf subject property Date of Irnspection ocroBER 1z, 2ooa COMPARABLE SALES ^ Did not inspect eldierior d comparable sales from street ® Did inspect eXteior of Corrnparable sales from street Date of Inspection ocroeet ~~zaae rreaale Mac roan ~o Marcn zoos Page 6 of 6 ~~Inie Mae Fomn 1004 March 2005 Form 1004 -'TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE Subject Photo Page BOrt9weT ESTATE OF SARA H KELLER Address 1092 BRENT GREEK BLVD. SN_VER SPRMIC TWP MECHANK,"uBURG CUCOUNTY PA Code 17050 LeMer DOLAN 8 DOLAN ESQS Subject rr'ent 1092 BRENi CREEK BLVD $ilBS PIkE WA BOSS ~ AfMI 1,768 Talal Roars 7 TdalBeBoals 3 TOtaIBaYrooms 2.5 LOCiYOn BERT CREIX YIPS RESIDENTIAL SiIE CONDOMINIUM Orly AVERAGE Age 2 YEARS S116jeCt Rear Subject Street Form WC31d.SR - KOTAL for windows' appraise software by a la mode, klc. -1-800-ALAMODE Subject Interior Photo Page IATCNEN DINING ROOM LIYING ROOM Form PIC3x5.S1-'TOTAL far windows' appraisal software by a la mode, inc. -1-800-ALAMODE Subject Interior Photo Page BOrtOWtf ESTATE OF SARA H 103LER address Baez BRENT CREEx e~w SH_NER SPROiG TwP MECHIWICSBURG CUMBERLANDCOUMY $~ PA 17050 Lends DOUW b OgJW ESQS BEDROOM BATHROOM ~o~ r~~xssi - ~ora< for Windows• appraisal software ny a ra mode, inc. - f -eoaa~aMOnE Subject Interior Photo Page Borrower ESTATE OF SARAH !d`LLER Addess 1092 BRENT CREEK BLVD. Stl-VER SF'RINCs TWP MECHANiCSBURG CUYIBEPoANDCDUP(fY PA (:9dE 17050 Calder DOLAN & DOLAN ES~S BEDROOM BEDROOM OR DEN LOFT OR BEDROOM Forth PIC3x5.S1-'TOTAL Ta windows' appraisal software by a la mom, inc. -1-800-ALANgDE Subject Interior Photo Page BOrtOWP!/Cfdt ESTATE OF SARA H KELLER Pr9pd1Y AddICSS 1092 BRENi CREEK BLVD. SAVER SPRING TWP 08y MECHANKSBURG C01/M CU1~L.AND COUNTY $ta$ PA ZD COdE 17050 ~ Larder DDLAnI a DaLAN EscTs UPSTAIR BATNROOM LAUNDRY AREA DAYLIGHT BASEMENT Form PIC3x5.S1-'TOTAL to Windows• appraisal software by a la mode, inc. -1-800-ALAMODE Subject Interior Photo Page BOrrOMIQ ESTATE OF SARA H KELLER ~as¢ er~T tic BLw s~vER sPwNG TWP MECHANICSBURG CUMBERLAND COUNTY PA 17050 Lender DOLAN 6 DOLAN ESQS Fue11~cE ~ rvc 6ARA6E 1111'ERIOR Form PIC3x5.S1- TOTAL fa Windows' appraisal software by a g made, inc. -1-800-ALAMODE Comparable Photo Page BOROMIB ESTATE OF SARA H KELLER Addleu 1092 f3RENT CREEK BLVD SILVER SPRMIG TWP MC-CHANICSBURG CUN~W.AND000NTY PA 17050 L9der DOLAN 8 DOU1N ESOS Cesprable 7 22 SUMMER UWE Rmr. b SWjeCI 2 MH.ES Sale Price 205.000 6rOSS ~9 AfN1 1,730 Tod Raon6 7 Tod Bedreonrs 3 Trial Batlaoerlr; z Locriorl WALDEN view RESIDENTWL $~ CONDOMINIUM Oofdy AVERAGE Age NEW v~rs~ro amble 2 16 EWNGTON ROAD PNOC to Subject 2 MILES Sale Puce 230.000 BOSS 1.1V~g Area 1,610 Tad fioo06 7 Tod Bedrooms 3 Tad Balllrooms 2 Localiorl WALDEN View RESIDENTULL SlOa CONDOMINIUM Orly AVERAGE Age NEW Curable 3 ~ psi CROSS CREEK Praoc b Subject z Mn Es Sale Price z33,oo0 Sou lirilg ARa ~,s7s Tod Booms 7 Tad Bedroars 3 Tad Batr•oorrs 2 LOCigOn CROSS CREEK View RESIDENTWL ~ CONDOMINIUM Orafdy AVERAGE Age 5 YEARS FOrm PIC3x5.CR -'TOTAL for Windows' appraisal software by a p mode, inc. -1-8011-AWdODE Building Sketch Borrows ESTATE OF SARA H KELLER Address 1092 BRENT CREEK BLVD SILVER SPR9rG TWP MECHANKSBURG (RUWD COUNTM PA Code 17050 Leda DoLAri a DDLAru Esas r'c~c~~ ~~~ErJ r>2 ~~`)~`~ ~ tG5 /t M. C L i2 O ~kz" Lt%'F/ ~~ ~I"I ~<<? G~ C c +- ~- ~': ~~ - ~i ~rr2 ~~ P -N r ~~RLrI /-sc/a~ Fciu, 2~`0 f LUU/~ Form SKT.BIdSkI -'TOTAL fa Windows' appraisal software by a la mode, inc. - t-800-ALAMODE Comparable Sales Map 801fOMIB ESTATE OF SARA H KELLER Address 1082 BRENT CREEK BLVD. SILVER SPRING TWP MECHANICSBURG CUMBERLAND COUNTY $~ PA 77050 Lender DOUW & DOLAN ES0.S vl.' 'h. - .. ~i ~ , at _ ~ ,. _ _, -'~ - '~ - - .. .~.. 3 i ~ ~r ~ +€; . ~ 9, _ ,- . . ._ ,. i F~ 1• ~ v 11- rFt"'+~ E - ~~,.#. .-1`p ~ . ~.F~ ~ 0' F;3~ ~ ~~wn~~ Y f'~ - +r t w W SAX n ~, dP ~ \ ......, 4-u '~ r-- ,. ~ ry~~ . e `~ ~.. , ~ _ ~ - A ° ~4 a., h; nz ~,• ~ s ~ ~ ~H i~ ~ ~ ~. I ' . ~.. ~ ~ 1 i "°'" ""'"' ~~ ~°- Form fdAP.Corrq -'TOTAL far Windows' appraisal software by a b mode, inc. -1-800-ALAMODE ct:~.'_ . _ - r :•.n: G^LF+ty ? ~L'lL~: '?~? ~~ '.8~c? T r : ~ r . TF ' _ .. T~zS DEED~~~ a~. ~~ ~1'~i17~ ~, ,. hiwDE thi+>~-a1 try o ~ ~~' ~ . in the yea: Tiro tb,;tt~ettd St:t (;ice.+,.. ~'('WRF.N r, +, ~~~i Wi?NLS$13TR, that is comsider~tion cf Two Hundred Thi*ty-eight Iltaasaiad Seven ~iundrad Sc,•ar,;v. fYc (~238,7y~) Dniiaza itt fumd pt-id, the rocoipt wfxa+eof is lte!si~• setoxowbDdged, the acid fls~nwes do herby yxrv,~ and ~orvay to t`ta said Citaatao(a}; .ti.i.[. that vertain lot x tract of groustd aitttaso in Silres Spriag Towastip, Glimbtxls~d t"nwnty, Pezk~ayi,:~:ri:n, morc parea:tarla taundod atut daocibod ea folbwa to wit: BEO[ridtNti at aauoa piA as the eaetem kgal right-af-way line GfBent Ct~oalc Fioelavaiti at the na:th~+~~ co^~er rt Lot N2QI3; thaae. alaog said right-c~favay line by a cicvo to tix right, aid Curve 6a,vicg a c:~ard nearing aad distr~cc of Nl S•28-: S':/ 32.O i drat, ~. caci+w of Z 164.25 feet, ,md an err dietsnct of 3?.01 f+x: r.~ ~r imn Pm t~ tht: wut,~e+1r tamser of I,ot #20P; tbettce alwag Lot ii2(tF and titreugh and attxg a party ws;! N72.44-s9E 149.'3 tiro to an iron pin at Lot A2'3R; t!?cnco akng Let IFZOR 317-15-3t}E 32.0[1 feet to art +mn piss. bcittg the aotthpst corrrtir cf Let #ZOD; th~,:t alarg Lot N2GD and througis and sloetg a p:~ry wui 3~;)-.44. 29'JY 154.9lS Pbet to aeo itvn pin, being the piece ofbogi~i,eg. ~"ONTA.TNi!~rG a,$14.51 Sgna:e }?cot. (G.il Asrros). BEIhG >VOT NO. 20)~ em a Pisa Gt Coorgetawrt Cro®sutg u Bent CreCIC, ptepar~ed by R. i. Fisne- r.a~uc:arra, T.u. Raarda's iQ C:;mnert~anc County, at Plum Book 'l9, Page 19. HA~'i1riG thereon tfrocted s tw= ~y dwelling latawn and numbered ~ lUi+? Bent C~ Brt„~:va.-~:, 'Yi.shsa•:icabue'g, Cambecia:tid 4vtustty, Fe~nsyivania 170dfl. kEING part of the settee pr+emiaet+~vhieh Albert L. Allen. 3r., 9arbw.ra A. Hunch. William SiTactt 1•?e^c::. ~Z:, i3arbara J. Afleq Hesth L. A1~ II, Mdiaa A. Smith, Martin R. Altm eusd RSM Aatwciat~a, b.P , ty ~ dated Daxmbar !0, 1998 sled ~eetoNed Decxtnber 16, )946 in tbt Reeordrs of Deeds Cffico is erxi ':~: Cumntritnd Coucry, 'Ftarns-~tvinia. in Dcod Baoit 191, Page 2t+8, graatoa and convoyod unto Bent Cr:c::: i.imite9 9aruteaetiip, a Pennsylvtmie T.it~iied Parmeaslip, ~ C3rarata~ herei:~s. t?;YI~TsR A1Vfl SUHJ,6~'T. neverthakatc, to eesa~x•oeut+ t+eatriptiot>le. raeervations, uotditott& a~td rigbte o.'wa} rat ~:cvrd. ,UYD the said Gix~tar wiU spocially.vamwt ~ tati~dtsfforsd tho Pr'aA'~Y hcateby ratfveyas. e~o~ ~'~ ~we3~13 Forth SCA -'TOTAL for Windows' appraisal software by a la made, iqc. -1-80Q-ALAMO{~ ' ?~ :_ -._ _ie: JC~_F~'~ a ~.r.iL.r1f+ 'al', 1'~' ','3c' ~-~~' 't -.~. i',? -• w R asr~aw+ c tWC YR~ ~~' bi1MC O !Ot i~Mp~ ~i{fd i~ ~ 1~1~+ ~ 11~ ~! f~Hfl ACY.MC ~~~ _ ATTEST ~~~ BP.NT C,ptEE1C QED PAR'~1VERSN~, a p~ppa~tvvurnirs innimed parmofshiR. by Bu~iidamtx. foe. a F~aYl~au-i- C~a~pa~tmc~n. its ~d Mines /~ .' ly ~ ~ ~ x. U roNntc~~twEAC~ of pgWNS7n.~At~A CiDt1N1'1' OF DAUP1~iN ~ ~ O'fM 8 dip' of A. D. 2~ be!'ore m0. a tip' F~tic. des uode~~aa~+c` :~1'Sr p~w~y` +~ wd~ R, i7~wlrlc •oitia~~ledSr+cl to be t11e Pteiiie+oc of 8upda~zer. f3e~oeosi Fsetuet ~cf Bant t~eic j.isnited Malels~ip, sod tbld be:, m saw od6iaea. btAas day' a~Aodaed ro do mcxWad d1f3 meat >boe'the po*cs~ t~ uadsiard. fl~1 ~YfTPt~ 1I~H~. l,cx:lnb sat tMpr irrQ and a~ciRi srosl. (~ /~, '~ Y Pgbiio Lori ~. r~~1iUs Wl C+rMir~ ralir ~1,'" ~ ~ af~~ Qfrt~ Wt~~lt7d - ~ iS t0 ~ lCGOrL'.C~ IO ~i~ ~A C~[Q2iw-EALTH t7F P'f~1~Q~ISYLVANSA ~~~ ~ • COl1N'IY OF C'lfl~lBRRL.AND Reo~aded ~ t~ f,K6'ioa of z~ ReoarAel o[ Drpredrs is wd bar G~ua+ba:lafud Wiearaia tb' !>amd aad sad of a~iuo oii lhia d+RS- rf _..._ ~ ..fl06. • ~ ~+32~4 Form SCA -'TOTAL for Windows' appraisal software by a Ya mode, inc. -1-800-ALAMOOE ~ll~b1-lifld LdttAtY Af~Ctlt'O~N rff ~P!G; y ditt~i~! ~.t~s ItistirE 21d6-0PM94Q T~ I3>Z1Q/i ;1; 5 . t Ae#1i-bt Rfl~SI1E LMD I~1.~ER ~ '.l.SQ ~D - 1R:T .$w iNQ !al!ilF~' : t ~3.t18 SiL4E7 51AI~ TIIF .!73.3? UiED -ilia il.at J.C.S. ! A,T,1. 14.i>7 C4 ~T fMD I,OC ~. [lNfttflfT illq ,43 L'Aedc~ 5364 i; : ~wS.75 i !!i'' i,S++ T~i':tl ~ICiAYRG....... ir.3ii,60 `~ . tcJ.~u~ + :~d~ti~ i y l . i "• .. + ~~' !' ~ ~ 27S PAGGWGA~ Form SCA -'TOTAL for Windows' appraisal software lry a k murk, inc. - t-800-ALAMODE li.C!-r,t7 IQ'.:'.it11i :..1!'•±Y:iY [?~~d~;~d A esul'~5 ~ rate, ~ ~~~t~ ~ ~ 1 ?''a~ t~oei_!Ta ~ 3A•.flfi-{i4 a ! -4~,•7- !, tas~a;vr ~cs~ ____ ~~ t Steed BBR P CR£~tt 3QtL8v AP.7 U+1n~urY ~~L~ ~t4RA M ~~ P'tap't'~'~e R .T _~ . 1 uRV~3Ye >~w ~Tfsrt.,~wye; 2 i il0 a?emu .. .,...... ^ 1 .rr~.~.-r.-..r~ cunr~uv:t ~e~+:+o ~ ~ ~s11~!"atVAl 2293?$ ~ ,. ..r,,,~.... ., ,. ..... i:eePeeAre! , , . , i AdtNIQR .1 f __...,._.....~ ~'I~rsl~cet f ` [[ ~ ~ 3rt+5A,r~~ ~~?S ~~ j . t i 4aEat:r S~t~Yr .. !~ 2C e6 ...~~...~.~ ,! ..... 1?ad~i4cM~R:s 1M127S~u~~t3 Ye>:rittt ~{t9fE ~~"'~'"~ ?stxp:i'r~ucQh tCFa. -Obr>Z. in Lie a4(t4 Tas:As9es~rn~:nt Ddtse .il~.~~,lEC+,1w i - :,,= r, "' ' J r UKt ~ •Jt t Form SCA -`TOTAL far Windows' appraisal software by a la mode. Inc. -1-800-ALAMODE STUART R. KERR, IFAC CERTIFIED GENERAL APPRAISER PENNSYLVANIA GANgti28L NEW JERSEY RG~253 NEW YORK 4tigN907399 OVER 5~ YEARS EXPERIENCE PROFESSIONAL BACKGROUND: NATIONAL ASSOCIATION OF INDEPENDENT FEE APPRALSERS-IFAC~OUNSELOR DESIGNATION National President 1985 National First Vice President 1984 National Seoond Vice President 1983 National Secretary 1982 National Treasurer 1981 Past Trustee NAJFA Education and Research Trust National Chairman F,thics and Grievance Camrmttee, 1977/1979/1980 National Director NASA 1973/1975/1977/1980 President Bergen County Chapter NAIFA 1972 New Jersey NATIONAL ASSOCIATION OF REALTORS Former Realtor Since 1966 Forma Mernber New Jersey Association of Realtors President Pascack Valley Board of Realtors 1977 President Paseadk Valley Muhiple Listing Service 1970J1971 Formerly licensed in State of Pennsylvania, New Jersey & New York Real Estate Brokeas EDUCATIONAL BACKGROUND: Columbia College, Cohmrbia lUniversity, Bachelor ofAris 1953 Satisfactorily completed the >iollowing appraisal oorrrses: National Assaciaticn of Independent Fee Appraises Income Capitalization, 1975 Tree Vahratioa, 1983 Society of Real Estate Appraises Course201-Income Property Valuation, Ohio State 1973 American Institute of Real Estate Appraises Cause I-Basic Course, UnivesityofGenrgia, 1967 Course VBI-Residential Properties, University of Maryland, 1971 Cause lI-Urban Properties, University of Georgia, 1971 Course IV-Cmd®nation, UniveasityofGeagia, 1972 Course VI-Mathematics of Capitalization (Ellwood) College of St. Thomas, 1972 Real Property Appraisal I (Tax Assessor Course) Rutgers University Ezt, 1977 CertiSed bv: The Federal Hawing Administration as Fee Appraise 1970 Federal National Mortgage Association as Fee Appraise 1977 4ealJBed Ezoert Wibaeu as Real Eshte Aooraiiaer: Pilre County, PA Bergen Canty, NJ, Baar+d of Taxation and Sbperiar Cant and Sussex County Board of Taxatim Essex County, NJ, Board of Taxation Nrunecus Mrmicipal Planning Boards, Zoning Boards and Governing Bodies in New Jersey, New Yak and Pennsylvania TeatJtine E=perieooe: Imo College-Adjunct Assistant Pro6rssor, Real Estate Dept Scholl of General Studies Rockland Canmunity Coll~o-Real Estate Appraisal Continuing Fduwtion Catifie~d by the NJ Real Estate Commission as a teache for license qualification courses National Association of Inde~endcet Fee Appraises as iastnector for fimdamental and advanced NAIF Appraisal Courses inchding Marshall do Swift Construction Cans-Residential and Commercial Industrial PROFESSIONAL CLIENTELE: Appnrise for numerous ocrporatians. Relocation Companies for books, attorneys and municipalities. Form DCVR -'TOTAL for YVlndows' appraisal software by a h mode, inc. -1-BOo-ALAMODE •, -• GENERAL STAR NATIONAL INSURANCE COMPANY Genera/Star Financial Centre -r- P.O. Box 10360 Stamford, Connecticut 06904_2360 REAL ESTATE APPRAISERS ERRORS 3 OMISSIONS INSURANCE POLICY DECLARATIONS PAGE This is a chins made and reported poky. Please read this Policy and sll sndorsanenb arM attadanents rarefuly. POliq Number: NJA7973B4E Renewal of Number: 1'Up797J04D 1. NAMED NiSIlRED: Stuart R Kerr, IEAC STREET ADDRESS: 1117 Jauus lludtatau Ihive f3irsbNbtowa, PA 170T2 2. POLICY PERIOD; Inception Date: 09~61l1008 Expiration Date: 09i0V1009 EOective 12:01 a.m. Standard Time at the address of the Named Insured. 3. LIMIT' OF LIABILITY: Each Claim: 5300,0116 A99fe9ate 5600,000 Claim Expenses have a separate Limit of Liability: Each Claim: f 300,000 Aggregate: S 600.000 4. DEDUCTIBLE: Each Claim: 5500.00 Aggregate: $1,000.00 5. RETROACTIVE DATE: Urdirnited if a date is indicated, this poky will not provide coverage for any Claim arising out of any acl, error, omission or personal injury which ocwrrsd before such date. 6. ANNUAL PREMIUM: S ,178,00 7. ENDORSEMENTS: This policy is made erW accepted subject to the printed policy form together wilh the following form(s) or endorsement(s). GSNA7-AP-@t(67/1dt7j GSNA7-AP-3NPA (W26I11 GSN-07-AP-061 (06@067) CSN-~0'f-AP-375(1Q2007) 8. MANAGNGAGENT ~X~ ~_~,,`-.~.Y I Herbert H. Landy InSlxar1413 Agency, Inc. 75 Second Avenue, Sude 410 „~ Needham, Massachusetts 02494-2878 Authorized Representative GSN-07-AP-720 (06r2007j ~ Copyright 2007, General Star Management Company, SlanrtoM, CT Page 1 of 1 ~~ Cow= ~~ Class Code: 73118 Date: 09!11/2008 SLAM: Form DCVR -'TOTAL fa widows' appraisal sMltvare by a la mode, inc. -1-800-ALAMODE •~ .- Fie No. ComnorweiltYp[Xmrsyh~ania 07 450389 De ~; aim" ce Brrau of Pro R" o !Affairs p0 Ba r+E ~ 1619 ~ ~ ~, y~ CerH8n6e 1 j~ a p Ca~nte States . t'~Mlard Appraiw O ~ h Aetlve ~ 'y ~ . `' 6~ 8'78 8~~~ ~ Irita>! Cerlitieatiw Date w ou3v~99z sruuer r ic~ra c«areaa ~ 1217 JAl1ES BIICIgN~N OR Nmber Bitahstlasan PA 17'O1Y GA000628L Expinriea Date 06/30/2009 ~~L .~ Poem DCVR -'TOTAL fa Windows' appraisal software fy a la mode, inC. -1-800-ALAMODE > ~ ~ ~' ~-~ ~~1 ~ ~,' ~'<y~:i... ~ :: ,-.