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01-27-09
15056041046 REV-1500 EX (05-04) OFFICIAL USE ONLY PA Department of Revenue County Code Year File Number Bureau of Individual Tazes INHERITANCE TAX RETURN ~1 Dept 260601 ~~hh Q ~,/ J~ Hamsburg, PA 17128-0601 RESIDENT DECEDENT U~ ~ Q 9 g ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth SS~.9.6..:50 /o o l ~ 6Zoo$' 0~'1 8191 ~ Decedent's Last Name Suffix Decedent's First Name MI A P lZ A kl' Rr, r~r ~ [. o R'~ N c e ~f (If Applicable) Enter Surviving Spouse's Information Below MI Spouse's Last Name Suffix Spouse's First Name , Spouse's Social Securlry Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW i 1. Original Return O 2. Supplemental Return O 3. Remainder Return (date of death prior ro 12-13-ffi) O 4. Limited Estate O 4a. Future Interest Compromise (date of O 5. Federal Estate Tax Return Required death after 12-12-62) O 6. Decedent Died Tesiate O 7. Decedent Maintained a Living Trust S_ 8. Total Number of Safe Deposit Boxe: (Attach Copy of Will) (Attach Copy of Trust) Litigation Proceeds Received O 9 O ) nder Sec. 9113(A) ax 10. Spousal Poverty Credit (date of death O 11. . O Attach Sch between 12-37-91 and 1-1-96) CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND Name Finn Name (If Applicable) First line of address q67 W- F=xcl~~r--r ~Kf v~ Second line of address City or Post Office G ,~ M P (.t [ ~ ~ TAR INFORMATION SHOULD SE UIHtG I to i u: Daytime Telephone Number REGISTERjO ILLS US~yONLY ~=1 ~' Tn g ~'= .~? rr7T N -' rJ,q r ~: i.,i _ .i ~ -rl -i-, Z ~:= _ r -, N W DATE FILED State ZIP Code P A 1 7 0( l f 8"~ ~ Correspondents a-mail address. ~'IO aS ~e~Lznrn ~ Geri-rec~l~-• 1~'~ Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete. Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge. SIGNATURE OF PERSON RESPONSIBLE FOR FILING RETURN DATE + ~ / rrU C ADDRESS ~ ~- ('] ~ ((~ (~~~` 4 4 0 7 L~ ~o K c r2 o f T D~ (V G- C [1E""'i ~' (~([ L~> SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE DATE ADDRESS PLEASE USE ORIGINAL FORM ONLY Side 1 15056041046 15056041046 ,J ~~ r ~ 1556042047 REV-1500 EX Decedent's Social Securitcy Number r_ ~ ~ n r ,.• ~ Cam-. ~'l~l~ ~ f{-.-slr~-r .`J~~ 3 ; ° ~ 6 ,/ 0 ~ 17 RECAPITULATION 1. Real estate (Schedule A) ... ............ ................ ........ ~ 1 .. ~ } 2. Stocks and Bonds (Schedule B) ............................ ........ . 2 ~ J ~ ~' ~• 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ... . 3 .. ~ ~ ,y~_,= ,x 4. Mortgages & Notes Receivable (Schedule D) ....... ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ 4 r ,y „_ -~ •' ~ .. 5. Cash, Bank Deposits 8 Miscellaneous Personal Property (Schedule E) ...... . 5 ' ~ ~ r .. ,~ _ ~ 6 ~ 8 •~ ~ S~B O Uy 6. Jointly Owned Property (Schedule F) O Separate Billing Requested ..... . ! 7. Inter-Vivos Transfers 8 Miscellaneous Non-Probate Property 7 ~ 7 (Schedule G) C Separate Billing Requested...... . y ~ ! . . 8 ~ $~--'38'8 ~ o:u' 8. Total Gross Assets (total Lines 1-7) ....... ..... .................. .. 9. Funeral Expenses 8 Administrative Coss (Schedule H) ....... .......... .. 9 - `1 ~ ~ ¢~• ~ .J 10. Debts of Decedent. Mortgage Liabilities, & Liens (Schedule I).... _ ...... _ .. 10. it. Total Deductions (total Lines 9 & 10) ..... - . ~ ... ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ .. 11. 12. Net Value of Estate (Line 8 minus Line 11) ....... .................. 12. 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. TAX COMPUTATION • SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amoun[ of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 15. (a)(12) X .0_ . 16. Amount of Line 14 taxable at lineal rate X .0 ~i 1 ro ~ Z 'F 3. O D 16. 17 Amount of Line 14 taxable . at sibling rate X .12 • 17. 18. Amount of Line 14 taxable at collateral rate X .15 ' 16. 19. TAX DUE ................... ......................... 19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT ao 145f~o G22`~3:~ -.. ~:r..-::. 7.30 ~ 9 v- 7 30 ~.oo O Side 2 15056~42iJ47 15056042047 REV-75011 EX PagA3 Decedent's Complete Address: ~LolZL1v'c-~ ~_IA13R/k kf STREET ADDRESS -_._-_.- -- -- __ - - STATE_ __ __ - ZIP - __-. - __. CITY G ~-M f" ~'~"( LZ-- _. ~/~" f7011'-/[F~4 Tax Payments and Credits: i. Tax Due (Page 2 Line 19) 2. CreditslPayments A. Spousal Poverty Credit __ _.._._. ----_.._....-_. 8. Prior Payments __ __ C. Dismount 3. InteresUPenalty if applicable D. Interest _ __ _i~ ~..Q? - - -- - (t) ' 30 / v ~ Total Credits (A + B + C) (2) E. Penalty _.._..... - - -- - - _ _ Total InterestlPenalty (D + E ) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. fill in oval on Page 2, Line 20 to request a refund. 5. If Line i + 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 + SA. This is the BALANCE DUE. l3) i 2-Y . v u (4) (5A) Make Check Payable to: REGISTER OF WILLS, AGENT File Number 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 properly transferred or its income :..................._..__........... . ...._ ...... ^ c. retain a reversionary interest; or .........................................................._....................................................... d. receive the promise for life of either payments, benefits or care? ................................................._............. ...._ 2. If death occuned 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 al his or her death?..._.. ... . ....... ^ 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which ^ rr~~ usJ contains a benefciary designation? ............_ ......................._..........._......................_..................._................ ....... PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. Far dales 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 dales of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero (0) percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of 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 [he net value of transfers to or for the use of the decedent's siblings is twelve (12) percent [72 P.S. §9116(a)(1.3)]. Asibling is def ned, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. SCFfE83~lE ~ JOINTLY-OWNED PROPERTY FILE NUMBER ESTATE OF ~~o~~u~t ~r. A~3rz~r~~~ If an asset was made )Dint within one year of the decedent's date Gf death, it must he reported on Schedule G. REV-1509 EX+ (6-98j F COfdMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDEIJT DECEDENT SURVIVING JOINT TENANT(S) NAME ADDRESS RELATIONSHIP TO DECECENT A. N(OSGS T G-/. It~3RP~NAM 407 W- ~~,acG~° ~ D2ly~ S ~N c ,xw~ P r~ r t-~-, ~~ c 7o rf-r84-4 B. C. oOINT ITEId - LETTER FDR JDINi ,,•-~••• DATE MADE • DESCRIPTION OF PRDPERTY INCLUDE NAME DF FINPNCIAL INSiRUTIDNANO BANK ACCDUNT NUMBER OR GIMILAR IDENTIFYING NUMBER. ATTACH DEED POR JOINTLY-HELD REAL ESTATE. ATE DF DEATH VALUE OF ASSET u DF DEW'S INFEREST DATE of aFATM VAIUE OECEDENTSIMEREST NUMBER t. TENANT A. JOINT /~~`~ `_A~EJ 197PitF~R'~Ro/t P~ r7ctF ~113~ooo.c%~ 5o% 5~56,Sao.o C 1.1w[P LFt ~-~-c - arlLo, ~66 . ,,,~~~Nr n,u,_ 1515- i83T ~~-r,93z• ~o ~ a ~ T~NN ~/ Itif o NT F'I ur'V! Grey `~`~` ,! . F ~ ~~~ ~ °J,fj¢3•ol 5d y. sc 49Z~' < 3 ~ ~ ~$ov (lFf~ ~ ~«3~N <~ e /~ c M ~ ~eR~~-Lt ~ pta•,- 23~ f o323 3S OJ~~ Ti=N Y~~i~s ~ LY OWNED PR 7 ,o ~o TOTAL (Also enter on line 6, RecapiWlation) S r tf "~ , S rY rl (I(more space is needed, insert additional sheets of the same size) t iREV-1511 cX+(10-051 FUNERAL EXPENSES & coMl,novweA~rHOF~ENnsv~vANIA INHeRIrnNCE .Ax aEruaN ADMINISTRATIVE COSTS , aESlocNr o~c~DeNr ESTATE OF FILE NUMBER - r' L_ ;~ 1; LL ~ '- c:_ ~.::~ iii, h_ f~. Y f ~' ~ ___ Debts of decedent must be reported on Schedule I. iTEfd N'JM9ER AMOUNT DESCRIPTION _ q. FUNERAL EY•PENSES. ~ T ( ~YI' ~~ '- r 1 riG,'"r~ i1/ - ~ ~ , ~ L r ~'l'L ;:~ v t-. "' ~ - ) L. I tr f (i r~ c r" r 1 - 1;i ` y U _ L r• > ! ~- .. _ - ~r ¢_ r1L !' c: t a[_. :: It iL:L ,. r (r~:~- rA. t i._ `_ r<. ~; t r r~ r r f~ is (I tit ,,: vt -.~ r x{~ > - a. ADMINISTP.A.TIVEOOSTS t. Personal Representative's Commissons Name of Personal Representative(s) __ Street Addrass _ .. __ __ _ -- City * _ Slate Zip _ Yza(=) Commision Paid. _ __ __ _. 2 Attorney Fees 3. Fatuity Exemption: (It decedent's address is not the same zs claimant's, attach explanation) Claimant ____ .. - Street Atldress __ -- Ciiy_ SIaIe Zip _..._,__ __ Relationship of Claimant to Decedent __ _.._ _..._- 4. Probate Fees 5. Acwun:aut's Fees 6. Tax P.etum Preparer's Fees ;t.( S EZ _> ~- '~^~. ~''.f=!'1s YT (`.x.t ,~,'s~ c. ~ •'" r a.x C ~ ~~ - '- z ~LL}Ai_ -~_~~~~c. ~trff~r~cSri:~ . I C ' - <° i. `-- ~.:. f < 1 ~ -_ I [ _~ i. J `(c 1`=. ii f.~ l(':-. k_~ (C• .ply ~\i v 1/~~ !V _ t_ y, I(va _ x rrr`-'~ ~i L::~ v r ,~:,. rcyc n<'> ftra ~'. ~ > - TOTAL (Also enter on line 9, Recapitulation) ~ S L>r ~?, f ~-_°~, iwir (If more space is needed, lnsad additlanal sheets of the same size) _~. .._,_. r -EE:,~ DEED '93 OCT 8 Made the 'sue day of October, in the year one thousand nine 2S hundred and ninety-three (1993). BETWEEN: JAMES G. ABRAHAM and FLORENCE G. ABRAHAM, his wife, Grantors and JAMES G. ABRAHAM and FLORENCE G. ABRAHAM, husband and wife and MOSES J. G. ABRAHAM, their son, Grantees WITNESSETH, that in consideration of ONE ($1.00) DOLLAR, in hand paid, the receipt whereof is hereby acknowledged, the said Grantors do hereby grant and convey to the said Grantee, ALL that certain tract or parcel of land situate in East Pennsboro Township, Cumberland County, Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Easterly line of Erford Road (East), which point is 195.15 feet North of the Northeasterly corner of Dulles Drive (East) and Erford Road (East) and at dividing line between Lots Nos. 19 and 19X, Block "I", on the hereinafter mentioned Plan of Lots; Thence along the Easterly line of Erford Road (East) in an arc having a radius of 300 feet in a Northeasterly direction to the left 34.61 feet to a point; at dividing line between Lots Nos. 18 and 19X Block "I", on said Plan; thence along said dividing line South 81 degrees 02 minutes East 239.04 feet to a point; thence South 26 degrees 00 minutes East 9.2 feet to a point at lands now or late of East Pennsboro Township Authority; thence along same South 42 degrees 45 minutes West 62.02 feet to a point at dividing line between Lots Nos. 19 and 19X, Block "I", aforesaid; thence along said dividing line North 74 degrees 25 minutes 20 seconds West 213.23 feet to a point, the place of BEGINNING. BEING premises known as 777 Erford Road, formerly known as 1605-B Erford Road (East). AND BEING Lot No. 19X, Block "I", in Plan No. 6 of Ridley Park, which Plan is recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Plan Book 15, Page 22. BEING THE SAME PREMISES which Donald M. Maxwell and Mary Lou Maxwell, by their deed dated January 23, 1976, said deed being recorded in and for Cumberland County in the Office of the Recorder of Deeds in Deed Book K, Volume 26, Page 934, on January 30, 1976, granted and conveyed unto James G. Abraham and Florence G. Abraham; Grantors herein. THIS IS A TRANSFER FROM MOTHER AND FATHER TO MOTHER, FATHER AND SON AND IS THEREFORE TAX EXEMPT. AND the said Grantor(s) will Warrant Specially the property hereby conveyed. ~IN WITNESS WHEREOF, the said Grantors have hereunto set their hands and seals the day and year first above written. !/ 1~,~,c~i ~ --' (SEAL) James G. Abraham -` , - ~' ~ (SEAL) Florence G. A sham COMMONWEALTH OF PENNSYLVANIA (SS: COUNTY OF DAUPHIN On this, the ~~ day of October, A.D., 1993, before me the undersigned officer, personally appeared James G. Abraham and Florence G. Abraham, known to me, (or satisfactorily proven) to be the persons whose names are subscribed to the within instrument, and acknowledged that they executed the same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. ~~,~. ~,. r~~ .,,, 22.5 ~' '~`f,.~~7ls R. lyota ~ pauU~e Pam 1Mmas, Notary Public r.::l :. Hamsbuy, Dauphin County .. ~ Asst -,.. r' r: ~ ~,trber, etv>Sylvytia of Wotuies I HEREBY CERTIFY that the precise residence of the Grantee(s) is ;tt,.~ylvanis SS Cv~iuc,rlF:r~d rr+t~cf for tha recordlnp of Dow': -~rt,~no+~d C_oun~(~ x~ ~i ,,~,i ~ oRMw er~1 ~- _ day 1~ Ftacor r ~?^.~G'36 ~~r '768 by,.z ~',,.P" fir h ~...;.q-' ~ .~ .'~,b .~,y°~rti~` ~ , a;~:. Signed, Sealed and Delivered ,. ~t ~_~. ..,, .,i ~ L.. ~~ ~~.:~~_.~ ,_~ .. ~~~.a~~r-,--., DEED '93 OCT 8 Made the ~~ day of October, in the year one thousand nine P5 hundred and ninety-three (1993). BETWEEN: JAMES G. ABRAHAM and FLORENCE G. ABRAHAM, his wife, Grantors and JAMES G. ABRAHAM and FLORENCE G. ABRAHAM, husband and wife and MOSES J. G. ABRAHAM, their son, Grantees WITNESSETH, that in consideration of ONE ($1.00) DOLLAR, in hand paid, the receipt whereof is hereby acknowledged, the said Grantors do hereby grant and convey to the said Grantee, ALL that certain tract or parcel of land situate in East Pennsboro Township, Cumberland County, Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the Easterly line of Erford Road (East), which point is 195.15 feet North of the Northeasterly corner of Dulles Drive (East) and Erford Road (East) and at dividing line between Lots Nos. 19 and 19X, Block "I", on the hereinafter mentioned Plan of Lots; Thence along the Easterly line of Erford Road (East) in an arc having a radius of 300 feet in a Northeasterly direction to the left 34.61 feet to a point; at dividing line between Lots Nos. 18 and 19X Block "I", on said Plan; thence along said dividing line South 81 degrees 02 minutes East 239.04 feet to a point; thence South 26 degrees 00 minutes East 9.2 feet to a point at lands now or late of East Pennsboro Township Authority; thence along same South 42 degrees 45 minutes West 62.02 feet to a point at dividing line between Lots Nos. 19 and 19X, Block "I", aforesaid; thence along said dividing line North 74 degrees 25 minutes 20 seconds West 213.23 feet to a point, the place of BEGINNING. BEING premises known as 777 Erford Road, formerly known as 1605-B Erford Road (East). AND BEING Lot No. 19X, Block "I", in Plan No. 6 of Ridley Park, which Plan is recorded in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Plan Book 15, Page 22. BEING THE SAME PREMISES which Donald M. Maxwell and Mary Lou Maxwell, by their deed dated January 23, 1976, said deed being recorded in and for Cumberland County in the Office of the Recorder of Deeds in Deed Book K, Volume 26, Page 934, on January 30, 1976, granted and conveyed unto James G. Abraham and Florence G. Abraham, Grantors herein. THIS iS A TRANSFER FROM MOTHER AND FATHER TO MOTHER, FATHER AND SON AND IS THEREFORE TAX EXEMPT. AND the said Grantor(s) will Warrant Specially the property hereby conveyed. IN WITNESS WHEREOF, the said Grantors have hereunto set their hands and seals the day and year first above written. ~(i(,2lGl sy IJ• / (SEAL) James G. Abraham ~' r1 f, / (SEAL) f~{.. ~c..-Y'Y 'l (./-lid ;c, ,i::,p, I=Florence G. A raham COMMONWEALTH OF PENNSYLVANIA ) (SS: COUNTY OF DAUPHIN ) On this, the ~~ day of October, A. D., 1993, before me the undersigned officer, personally appeared James G. Abraham and Florence G. Abraham, known to me, (or satisfactorily proven) to be the persons whose names are subscribed to the within instrument, and acknowledged that they executed the same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. ~tw"~ '~~-*• ac ,~ , p~eP.MThanas n ~e;.»~."r : 4.; .. ~.. tianisbuy, DaWhin Camty ~ ~ r •y*-'S:,f- fAen~her, enrsylvanatPa~^Ot ~M • vtti:h~.:. .. ~t . I HEREBY CERTIFY that the precise residence of the Grantee(s) is ~i:~,,~v,nla 1 ss ,_.r,,b,;a, ~~ I c:`fsce for tt» recording of Docx!s ~.,rr-"!~xfts~~d CO~inty~r~ .,, _ ~.,,i ~»,i of oRN~ ofd _~-day ~ Racor r grpx C:'36 P.~~ 7fik~ ~,.' F.. r;..,,. ,?n'c a,K Signed, Sealed and Delivered .. Uniform Residential Appraisal Report pi,,0 9B822y.ppD>{gg" The ur a of mis summa sisal re rt is to rovitle me lentlerlclient wim an accurate and ade uatel su Red onion of the market value of the sub eci ro s Atldress 777 Er5MRRa1 ~' -Cry Cerro HIS s :'. SNie PA ' ZpCatle 17Dt1= PropeRy Borrower Adaiain ~Owrrer of PUblc Record Abeham F( Counry Cumtiedand Legal Descrlptlon Dead bc9h W380P e8078] gssessor5 Parcel a 69-17 t044-019 Tax Vear QUDB : L R E Taxes E ''~00 Est NegM1boNOOO Name EmfPelNSbd!GT Rid Perk Map Reference-Q6~11-1894-DY1 : Census Tract"Y0202 Occupant ^ Owner ®Tenant ^ Vacant Special Assessments $ WA ^ PUD HOA $ NIA ! ^ per year ^ ptt month Property RghLS APPralsed ~ Fee Simple ^ LeaseM1Old ^ Omer (tlescnbe7 gssignmeni Type ^ Pur[M1ase TronsaC4on ~ Refinance Tronsa[4on ^ Omer (tlescnbe)' Lender/Client 4Y@99rO41a BanN tdA '- '- gddress 10D Prtlel Plaza PannDLR kit, N9Rh Npnh Br9M1awr[k NA Ik19M Is me subletl Droperty curtently oRered mr sale or M1az it been oeerN for sale in the twelve moniM1S prbr to me effective tlate of Nis aDpraisali ^ Yes ®No Report data source(s) used, oiteny price(s), antl dale(s). 2LS, PeMd rarAid I ^ did ^ did rot analyze iM1e [pnhatl br sale mr the subject purchase Iransatl w Explain me results of the analys s of Ne [9ntra[t br sale or why me analyse was rot pertormetl. ReM+aM1Ce Conrvacl Pr ce$RelinaRaa Oate of Contract WA I - Is me propeTy sNler me owner of public remrdi ®Yes ^NO Oam Source(s) PdtiflCRewprm Is mere any financial assistance (loan charges, sale concessions, giR or tlownpayment assistance, etc.) b be paid by any pats on pehali of me bortowe(I ^ Yes ~ No If Yes, repoR Ne total dollar amount antl describe Ne Hems to be paitl. Note: Rad and me racial camposHlon of its nelObbeMeetl an n W appraisal factors. Location ^UNan ~BubuTan ^RUaI Property Values ^Intteasirg Stable ^Declimng PRICE AGE Or~Unt B2 -'% Built-Up ®OVer ]5%^2S]5% ^Under 25% OemarWSUpPIy ^SMRage ®In Balance^Over SUpdY $(0007 (Yrs) 24Uni -'% Growth ^RapiO ®SNNe ^SMrn Marketing Time ®UnderOmms^J-6 mlhs ^Over6 mNS 86 >I Low 0~'. Multi Fam ly '.% NelgM1boTOOd BOUntlaries tb0 "'-High 50 Y.t Gommercal '!% Rltlby P0dtlPlvrt4amtsRdlla 6ti,blhe,Ra bRtYtlS,b9te8994n is Catlsb Pike aiidb Ne weLbGaotl Yid ':': Pretl {9 ': ONer 48 "'% . Hooehaad Ees~Pmhl§mmrnrmsnlpCwndbR~dc94my .. ....._ Ne phbadwo0 oescnpinn TMBagad baue~[k+a.eaMw>K<?rtmlglirotYbDE. M~ormWa Wbavalare kwatedwHhba reemnaLe+ktancoa0.a9hadt EnpbyaPoat4a Y.0 gre0 to ratanm 9dpd, MPpr ePMoyers lRYHa.4"9nip~f~Ama.frysJ4dk~4amer4Hee9Rkg WRIPan-s.6M many smalRrsE+)4ce cdmpanlaP Supdy Ppd damerd;ary~aarsbbaenp0hmea9gecH ~ghbortlo9dRaadxrsa mnd5niip xBMdKatad i .. Market COnd tgna(ndutl rig support bribe above conclusrons) YAaryet t»ndNh+n6 epPPt¢ apSNeix aPamNaY4.Tliere pavaPowe bat PNBte1PS $vP~e;NrOlghRpPYwny@rb90aYN pro9ramP Pnd ravsranpap h9m A~ ARM dMg+da0 m6d76~dra(e pmg/wk<k. .. YlneAu lddaanPbk PReM H99akq kwMlk9 b3m9ndic8eb0;e9rlwwublm, alO~neWdOnf Ma9b+afPrtsea00ro.ara ntikYYq[ei 9tdM G9lPItitHl lLas. PfbPMy4gYlA9@PPPD 4L'9UHCfi1f sf19v911q nIP9bW12InC1e858611}9UQhpU4 Gfl6 afaa :., .' .:. Dmenswns Sr`s1.tdN.~ARadhed.':' Area '34Acre Shape R6cia90WeY Vew BWeiRaiflgq Specific Zoning Classl0caton Rd{IRpnSal Zoning Descr Dtlon 101RecklanfYt Fats; Zon rig Compliance ®Legal ^ Legal N mm~bnning (Grandfaiheretl Use) ^ No Zoning ^ Illegal (describe) Is Ne n ghest and best use of subject propeRy as Improvetl (or az proposed per plans antl specifiwibns) the present use9 ®Ves ^ No Ii No descr be UtllRbs Public OIM1ar (avactlbel Public OlhHr (describe) OR-sOe lmprovemenke-Type Public Private Electriciy ~ ^ Water ~ ^ Street A9M18t ® ^ Gas ~ ^ Sanimry Sewer ® ^ Alley Ndria ^ ^ FEMA SDetlalFbotl Hazard Area ^Ves ~N9 FEMA Fbotl ZOne'2oneG FEMA Mapd :4209$9 FEMA MaP Oate WtSff/..; Are the utldes arts R 1 improvements typcal bribe market area0 Yes ^NO IfN tl c be Are mere any adverse sie condtbns or external factors (easements. encroacM1men6, environme tat co tlirons lantl uses etc 7] ^Ves ©NO If Yes tlescrbe FhMe WSre rod94dayPUem ad4liae Mi%iEAeo[~11@eea8m81REOt2nCt06¢11rd@rlh n9bd Se4 atlatn6d supPl6lMMd addNMUm rdreonhMhls: Units®Ore ^One wim gccessory Una ^COncrete Slab ^Cmwt SDace Fountlation Walls Bb[bAw Fbors Gp4WOOtl.VnyVAW;-' M oBiones ?. .: ®FUII Basement ^Padial Basement Exterior Walls 9ikk,AhaWAvp Walls DrywelVAsg Type ^Det. ^qR.®8-0etrEnd Unit Basement Area 62g.: 59. fl. Roof Surface Cdiig5hlnlaWAw TnMFnisM1 W99LAV9 Existing ^Proposed ^Under Const. Bazemeni Fln sM1 9 % GuttersB DOwnspouLS pFar4nwNAvera9e` Bam Floor Vmv/Aw Oesgn l5ryle)ZSbry Seam ^OUtsitle Entry/F11i ^SUmp PUmp WintlowType AhnOdHrgIA+rtNge C= Bam Wainscot Flbergles:NAlg Year BUilt .1965 Eritlence of ^Iniestatron Bmrm SasNlnsulatetl $bmYAw Car Storage ^NOne ERetllve Age (Vrs) 20M5 ^Dampness ^5ettlement Screens BdieeRa+Av9 Driveway Aof CaS'2e. Anic ^NOne Heaflng ~FWA^HWBB^Radiani Amenities ^WOOdSmve(57 N. Driveway SuRa[e Pxyetl gsRM1PH°` ^ Drop Btair ^ Stairs ^ Omer Fuel Gas ^ Fireplace(s) p _^ Fence ^ Garage M of Cars f ^Fbor ®SCUMe Cooling ^Ceniral Alr COntl honing ©PatiolDeck ^POrcn ~Garppd sot Cars 1' ^ Finished ^ Heatetl ^ Individual ^ONer ^ Pool ^ Omer ~AH. ^ Det ^ Built-in gpp4ances ^Rervigeramr ~RangelOven ^Oisnwasher ^Disposal ^Microwave ^Washer/Dryer ^Omer (tles[ribe7 Finished area shwa gratle conic ns: 7 -' Rooms d -Bedrooms 25 BaN15) t,59t S9uare Feet ofGross Llvirg Area glove Grade Addmonal features (special energy eR[ieni items. et[J N9ce D scr be me contlHion 9f the propeM (ndudlrg needed p s, deterb2lio vatbns, remodeling, e4.). Than weaiq:.14nt49nal96soksde~ue indbabdfromma sub7e91 propaRy 4Rpe[bon The roolappeard s}be Mvreape c9mWbm PFiyH calde0erk+ra4o0k typkLOt tle sirbb(eeA eOBCtlve aOS !' Are (here any phy I d Fciendes o tl r wntli(rons IM1at aRetl IM1e Ilvadl ly untlness, or i ucNral mtegriN of the propeRY] ^ Yes ~ No It Yes describe Does ine DropeRy generally conform is me ne gM1borMOd (bndlonal u411y, style ditipn. use. conslrudbn. elc.7P Yes ^NO If NO. tlescnbe ]0 MaicM1 200fi Cagetor6 Fannie Mae Form 100f Ma,cM1 1005 a FB~Y Uniform Residential Appraisal Report F,1..' dBdzzv.Bee,caz There are o_-".. [omparable Proper4es currently oReretl mr sale In me sublec0 nelBM1borMOtl ranging In Ddce horn $ Na IIENgs :'. b 8 '61mWr. TM1ere are 5 'comparable sales In Me suge[l neyM1borfwod wlMln Me past twelve monMS ranglrg in sale price (corn $ 165.699'. '. m E 130900 FEATURE SUBJECT COMPARABLE SALE#1 COMPARABLE SALE#2 COMPARABLE SALE k3 Address 177 EAOMRDa1 753ErreraROad '- 013EMrd Road : 84d51ba Road CPp6YNll. PA 110 11 .CMbpHdGPAi701t '~ 7 Cemp WA. PA 17di9 Genp ry6l PA,#761# Pmximirym 8ublect '6.98 PxIefNW -:'- 0,15 niie5S 628MIM ~ Sale Price ReeAarw 413,996.. 109,006 195,008 Sale PdcelGlnss UV Area $ 7A68 s9.ft $ :8292 s R. $ 8605 I sq.fl. $ 0670 i' '.. sQ.R. De's Sources MLS.PW#eq, APPy9t5alsFllga ..: ML$PYkRBFADPraNeIYF-aS AB.S,PYbRet ApplaBer4Fl~ ' Vedficatkn Spurce(s) 6pO8Nk ":. 6atl Bank D~6aM! ': VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION • ~ EAdusrmern DESCRIPTION • -Sae untmem DESCRIPTION • - SAe'mtmenr Sale or Financing (Apy Rtl Neip :- Cort+-Na NeID '' CdllvSeee!lieiD :." •21MU Concessions ;WM2 DIxA9 1'#OMt Dam of Balertime 02198Y9B '. t112W9] tl)W Locatkn S pbW»MAp S9MlrbaMAw ~: MAv9 ':: S!4asd18dlAy6 SuDp rb a LeaseM1Oltl/Fee Simple F aeBimpb X80 Smple '.; Q u, „ 066 SMigo Fee SknpN Site 3 4 A5fk;' :#2 Arap :~ .#3 Apra .t6ACa View 9 pbprt/WAVg 'SWmtimVAW '' S4Aar4aMAc9 SumWMtlAYp Design (Style) 2 Sbry6HN :3:SbrySeMi : 3SiprySem 25aapSarii Ouatiry of construction B ddkA9SNAW BrkkWiy6Av9 '. BrkkAkaA'AV9 .; ~ filmkAaiMAti9 Actual Aga 4 0Yh @et 3@l`m Esi I. lvtYrs Eel 434n ESC =: DDOEIeon A vatdBa.:' Avat8118 `. Avele6e ANbrap0 Above Grade T otal Btlrms. Ba1M1S Total Btlrms. Barns '! Total Bdma. BalM1S ! Tobl Btlrms Barns Room cpunl I 4 2S 8i'. a 152 i2.5htl' $ 9 ':9.9 F2;899 8 1~ i.$ .i+2,596 Gress Livirg Area 1 301 :! `sqR f,72# '.!. 59R +3.B99I ir3iF4 i s9X +g{099 ir234 sqR -+p,BiJ9 BazementB FinisM1eO U ANU91itMi UpMNM1M :'. FtMjnx,3f3aM ":." ~'Si988 lMMliDed '' Rooms Bemw Grade f 969bF984 19lrbi 9% ':' 1W%15o% #W%Itf9b '-:' Funct'Ipnal Utility A yKS88P: Avata0e ': Average Average HeaSrg/COplirp t iFWP.R1Daa GFWA!CenDal -2,909 Gt'WaCennq ~' i,FWMIpRa; EnegY ER~cient Items $ 6iRlWalilorrs. ~TMIeRYO WGidwe -#.QW:: SiDfM WhWOM9.! :FiletPm Wl9dara~ Garage/Caryon 1 WrCN~WN ~ :(i6Sbp8'eMrrg N,S06, teat D&DPA ,~:; 49iISVea#+PPirq PordVPanol0eck P gtlp rf 'd?atlq Fapa FOlCit AnstniNdf l bnb .:: :NDne Nona Nona Firaplau N bde '~ :N9r9 IIdlb Npgl D ..: Net Atllustrrrenl QDla9 + $ 3.1168 + $ 5844 + $ 3308. Adjusted Sale Price Net Aq 3.4 ': °/p Net Ael 63 % Ner Aal 9,t'. Yp of ComParables cmea Aal 87 : % $ 118.8491 Gmss Aal 91 % $ #A8W00 cmu Aai 1.0 % $ '..160,380 I ~ tlltl ^tlid cot resear[h Me sale or Vansfer M1ismry of Me sugect pmPedy and comparable sales. Ii ml, expla n My researcM1 ^ dm ~ tlid rot reveal any Dr or sales or transfers of Me sugect propeM mr the three years Drmr m iM efmctlve date of Mis aDOraisal. Dale source(s) Pubkc rewraa My reseacM1 ^ tlid ~ tlid riot reveal any Ddor sales or transfers of Me comDa2ble sales mr Me year prior m the date of sale of IM1e wmparable sale. Dam source(s) pubncremNa Reppd IM1e results of IM1e researcM1 ant analysis of IM1e Ddpr sale or Vansfer M1ismry of Me subject pmpeay antl compamge sales (report atltlitlonal prior sales on Dage 31. ITEM SUBJECT COMPARABLE SALE Kt COMPARABLE SALE k2 COMPARABLE SALE p3 Date of Pdor Sale?ransfer NdAaneim in ;; : NpgarRlerm ,Nd M ~ iN'Vs Price of Prror Saklrranskr ipiplml%abd0rs .:. Dle;la6i i2 M59gf tlai.WA i2rabnal ~ dle.~ll2MOAM Oam Source(s) ':Pibk!®W!!k Pulsle recafa4 Fi&Ik repbras PutdlajamrM Efkgive Dale of Data EOUrcelsl ;03ro0 :03160 d3/d8 ONOd Analysis of prior sale or transfer M1ismry of Me subjeq DroDeM antl comparable sales TMSUgect Priipellyn~net beanpl)arMlm saki! the llgt35mprroa TareconpnreDksak9 haw trot Dean dBaedfaesale marepeu l3 monMSDrlofb axle dak 6eeM.:: Summary of Sales Comparison AppmacM1 TM161Me 9fSijaS9aH )Pin tpplUly dbHfed W88 C8YS8d n11r11 the 1aCk WrMlra raCenl alnYarSekem Me lrm4tl181a nISYkaf a[9afigTaEIIGBGt Tnbaa@SWMCMJSart BMaa 8rolmyhaseral#tpr SalasmaleaaDlee#mNlceiaraaaNareUwbeat avalgtle bF mmpYkOnmMe etdieq~ TMSaleawMl adJ10911enb. estaNkM1araiigadtva0tM Mp:eublec!! The s6bjeC#is Maverage conddmn end suDpont aVagie Me mw pOr5al of Meratpe eamgistiea horn Me sake :TFcere wefeao-6aki avaaaDle amlyw vrlM46adlomm. See 4M mmp. Intllcated Value by Sales COmpanson AppmacM1$ 113,000 Intlicatatl Value by: Sales Cempatlson ApproacM1f 113.000'.. Cast AppmacM1 Bf tlevelppetllf:132,950 ::': Income ApPrwcM1 9f tlevelopetllf The SNes GDF4la11SOn Approacbb Valuellarmra9y lirACaka Ma bda(Valu@mr Mesugeci pioperry TtM I:ORAppmacM1 xuppwb Bie value TNe IYlCOme APPOac0 was wnwdererl: but U mY aDPrWdem for Ws appraisal Th s appraisal Is ode ~ "a I ^ subjeq m wmgetkn per plans antl speciflcalions on IM1e Dasis of a M1ypoMetwal contlitlon Mat the imprpvemen6 have been completed, ^ subjetl to the kllowin8 repairs or alterations on Me bads of a M1ypolM1encal condition Mat IM1e repairs or almra[kns M1ave been completed, or ^ sublxl to IM1e knowing required Inspection based on IM1e exirecrtllnary assumption 1M1al tM condition Dr deficienty tloes not require altemikn Dr repair: TDlsappraisalknot vebtlwiMbdf all p/Me adpMedaddeMas See abacbatl addendum krcdmmenb Based one comp) to Visual lnapedlon el M<Inlerlor d xtarlprareaa of Me sugect properly, tlelinetl scope ofwork, slalemenl of asaompllanz antl limiting ontlltlons, antl appralaefa cetlifltatlon, my (our) oplnlon of IM market vane, as deOneQ of IM1e real propatly Dal is iM1e subject of Mis repot! is ~r$ 113.W0 sof G3I01/O8 ,wbkM1 is Me tlate of lnspedlon antl Ma effediva tlah of tM1la appmlzal. Freesia Mac FO,m ]n MarcM1 3005 Pape 3al6 Fannie Mae Foam 10W Marcn 3Po5 Al Feaay Uniform Residential Pmvitle cost fpures antl cakMadons. or o1Der meNOds for esfimaii ESTIMATED ~ftEPRODUCTION OR ^REPLACEMENT COST NEW Source of msl dab M&aMCffiN$MR Duality ratios fmm cost servce A`:a Ertetlive date of cost data ti$ItlB Comments on Cost AporoacD Ipross l"Vn9 area ralalallons, deprecation, eic.l Flk X D9DYt7-09tSX42' OPINION OF SITE VALUE .............. ____ .. =$!$0.996 Ewell n9 T 5Da :' :'. S9. FL ®$ W W $ iS530O 929 -. S0. Fl. ®$ 1006 $ 9296' A arl~ E Ati9R-: Gara9eyCarporl 1649 59. FL ®$ iDfp $ 92901: Total Estimate of DOef New _... ......._ $ td9:996 Less Plrysical Ponabnal External OeDreclaM1On :19973 ~,,, ~_ $(d9,972 DepreciakO DOSI Of Improve ments ..... .__.. $.9&949 'AS-is' Value pf S'ne Improve men6 ___ ............. E 3.696! EsOmaietl Remalnng ECOnomcLie lHUD antl VA Only) M Vearsl Indicated Value Esnmafetl MOnlDIy MaMe[ReniE XGross Rent MUli pier $ -`Intlicahtl Value by lnmme ApproacD Summary of Income AppmacD linclutling suDW M1 br mantel rent ant GRM) Is ibe developer/W Ilder In control of the Homeowners' Asmciafron (HOAR ^Yes ^ No Unit lypels) ^ Deradretl ^ A9acDetl Pmvitle me blbwlrp Infortnadpn for PUDS ONLY X Itx: tlevebper/DUilder a in control of iDe HOA antl tlu subject propeM1Y is an aXacM1etl dwellirp unit. Legal Name of Pmiect Total number of DDases ToUl number of unB Total number of un55old Total number of un isrrnietl Total numberof umB br sale :Data sourcels) Was[De protect createtl by me conversion of existing DUildirp(s)Intoa PUD4 ^Ves ^NO It Ves. tlale of conveys on DOes Me protect mote n any mull-tlwelling untls4 ^ Yes ^ No Data s0urcels) Are IDs units, common elements, and recreation facilities mmple@? ^Yes ^ No If No, describe iDe status of completion. Are Me COmmon elements leasetl b or by IM1e HOmeOwnerS' Aswciationi ^ Yes ^ No If Ves, descnDe Ne rental terms antl OpbOns. Describe cOmrtpn elements antl reReatlonal facilities Not epdkabk wMl tMS flpoM1 FrMne Mac Form ]0 MartM1 2005 Gage ]orB Fannie Maa Form 10W MartM1 2105 PI Really Uniform Residential Appraisal Report c,;.e`oeozzr-banxsz This report form is designetl to report an appraisal of a one-unit property or aone-unit property with an accessory unit; including a unit in a planned unit tlevelopment (PUD). This report form is not tlesigned to report an appraisal of a manufactured home or a unit in a contlominium or cooperative project. This appraisal report is subject to the following scope of work, intendetl use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifcagons. Modifcations, additions, or deletions to the intended use, intendetl user, definition of market value, or assumptions antl limiting conditions are not perminetl. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the wmplexity of this appraisal assignment. Modifcations or tleletions to me certifcations are also not permitted. However, atltlitional cert~cations that do not constitute material alterations to this aDPraisal report, such as those required by law or those related to the appraisers continuing education or membership in an appraisal organization, are permittetl. SCOPE OF WORK: The scepe of work for this appraisal is defined by the complexity of this appreisal assignment and the reporting requirements of this appraisal report form, including the following defnition of market value, statement of assumptions and limiting conditions, and certifcations. The appraiser must, at a minimum: (i) perform a complete visual inspection of the interior and exterior areas of the subject propeM. (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 antl/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intendetl use of this appmisal 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 Oroperty 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 defnition is the consummation of a sale as of a specifetl tlate and the passing of title from seller to buyer untler conditions whereby: (7) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she consitlers his or her own best interest; (3) a reasonable time is allowetl for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of fnancial arrangements comparable thereto; and (5) the price represents the normal censideration 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 cencessions. No adjustments are necessary for those vests which are normally paid by sellers as a result of tredition or law in a market area; these vests are readily identifiable since the seller pays Nese costs in virtually all sales transactions. Special or creative fnancing adjustments can be matle to the wmparable property by comparisons to fnancing terms offeretl by a third party institutional lender that is not already involved in the property or transaction. Any atljustment should no[ be calculated on a mechanical tlollar for dollar cost of the financing or concession but the tlollar amount of any atljustment should approximate the market's reaction to the fnancing or concessions based on the appraisers jutlgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraisers certificetion in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for maders of a legal nature that affect either the properly being appraised or the title to it, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reatler in visualizing the property antl understanding the appraisers 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 itlentified 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 aDOmiser 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 repon any adverse conditions (such as needed repairs, deteriomlion, the presence of hazardous wastes, toxic substances, etc.) observed tluring the inspection of the subject property or that he or she became aware of during the research involved in performing this appraisal. Unless otherwise stated in this appmisal report, the appraiser has no knowletlge 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, tonic substances, adverse environmental contlitions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to tliscover whether such conditions exist. Because the appraiser is not an expert in the feld 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 pertormed in a professional manner. FMEe Mac Foam 70 Ma,ct, 3005 Page G ol6 Fannie Mae Farm 1001 Ma~c~ 2005 N Realy Uniform Residential Appraisal Report F;;,.'o~i APPRAISER'S CERTIFICATION: The Appraiser certifes antl agrees that: t. I have, at a minimum, developed and reported this appreisal in accordance with the scope of work requirements stated in this appreisal 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. I identified and eportetl the physical deficiencies that could affect the livability, soundness, or stmctural integrity of the property. 3. I pertorme0 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 Me time this appraisal report was preparetl. 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 compadson 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 Oroperty 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, vedfed, analyzed, and reported on the prior sales of the compamble 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 loceticnalty, physically, and functionally the most similar to me subject property. e. I have not used comparable sales that were the result of combining a land sale with the contract purohase 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 provitled by parties who have a fnancial interest in the sale or fnancing of the subject property. t 1. 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 appropdate public and private data sources, such as multiple listing services, taz assessment rewrd s, public land recerds and other such data sources for the area in which the Oroperty is located. 13. I obtained the information, estimates, and opinions fumishetl by other parties antl expressed in this appraisal report from reliable souroes that I believe to be true and cortect. 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 appreisal report any adverse conditions (such as, but not limited to, needed repairs, tletedoration, 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 atlverse conditions in my analysis of the property value, and have reported on the eRecl 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. tfi. I slated in this appraisal report my own personal, unbiasetl, antl professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appreisal 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 wmpletely, 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 hasis prohibiletl 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 untlerstanding, wrttten or otherwise, that I would report (or present analysis supporting) a predetermined specifc 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 o(a specifc 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 signifcant real property appraisal assistance from any individual or individuals in the performance of this appreisal or the preparation of this appraisal report, I have named such indivitlual(s) and disclosed the specifx; tasks pertormed in this appraisal report. I certify that any individual so named is qualifetl 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 unauthorizetl and I will take no responsibility for il. 20. I itlentifled the lender/client in this appraisal report who is the individual, organization, or agent for the organization that omered and will receive this appraisal report. Fretltlie Mac FOIT ]0 Mem1, 205 Page5ol0 Fennle Mm FOfm 10W Mart'~$WS qI P¢atly Uniform Residential Appraisal Report FIw # oaozzTOeaca, 21. The lender/client may disclose or distribute this appraisal report to'. the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsoretl enterprises; other secondary market participants: tlata 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 appreisers or supervisory appraiser's (if applicable) consent. Such consent must be obtainetl before this appraisal report may be disclosed or tlislributed to any other party (including, but not limited to, the public through atlvertising, public relations, news, sales, or other media). 22. I am aware that any tlisclosure or distribution of this appraisal report by me or the lender/client may De subject to certain laws and regulations. Further, I am also subject to the provisions of the Un'rform 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 antl video recerdings), 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 valitl as if a paper version of this appraisal report were delivered containing my original hantl 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, fns or imprisonment or both under the provisions of Title t8, United States Code, Section 1001, et seq., or similar stale laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifes and agrees that 1. I directly supervised the appreiser for this appraisal assignment, have read the appraisal report, and agree with the apPreisers 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 appraisers analysis, opinions, statements, conclusions, and the appraisers certification. 3. The appraiser identified in this appreisal report is either asub-contractor or an employee of the supervisory appraiser (or the appreisal finny, is pualifetl to pertorm this appraisal, antl 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 Dy the Appraisal Standards Boam of The Appraisal Foundation and that were in place al the time this appraisal report was preparetl. 5. If this appreisal report was transmitted as an'elecVOnic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and vitleo 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. APPRAIS~ER~ry~~/,(1~ /) SignaturC ` (`(la~jlydt,(L_~ Name leudAwenMr Company Name C,aokMPiapMyappral6da Company Address P:y sax kp]2 H5ias6um t]191 Telephone Number 7R $i4f9t16 Email Adtlress +autNmnr@aIX.wm Date of Signature and Report Mardtb7.?8p8 Effective Date of Appraisal IJ3ral2e State Certification # RL73apBs or Slate License # or Other (descnbe) '.. State# $late PA Expiration Date of Certification or License erJazbba ADDRESS OF PROPERTY APPRAISED ]Tl.ErpN. Rosa Cama NNI PA'...'. 1]011. APPRAISED VAW E OF SUBJECT PROPERTY $ 113.000 '. LENDER/CLIENT Name Company Name WxliovW Bank NA Company Address 1bp61d@IIty.Plssa PennomRepan Narm -. NOdti erunawuk. NJ OBBOB _ Email Adtlress - SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name Company Address Telephone Number Email Adtlress Date of Signature State Certification # or State License # State Expiration Date of Certifcation or License SUBJECT PROPERTY ^ Did not inspect subject property ^ Did inspect exterior of subject property from street Dale of Inspection ^ Ditl 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 compareble sales from street Dale of lnspecbon rreaa. ma~FOm, =o MaFn zoos Pee=sma ra,,,,a ma=ro.m iooa M.Rn loos ai naaav ---- AI Rea]y I tat Auuclvuum 089227990X84'.'. FJe No. eo~ow«mar.m Abreha v~remr nmre.e 777 @dord Rued c,y Cam0'H II covmy Cumbedentl sere PA " Lv ~. 17911 Mme. WachWt3 Bank NA Supplemental Addendum ~Moltl-page Every effort has been made to rgMorm to U. S. P.A. P. and in most cases even stricter interpretations found common to most investors in the secontlary mallet. Since every property can't compare to "ideal" comparable sales, the appraiser must chose the best available sales for comparison available from the market search that meets investors untlelwrtting standards and guitlelines established by the professional appraisal association that this appraiser is affiliated with. The first pert of the addendum is tlesignetl to Ganfy items common to all appraisal reports. The secontl part of the addendum is designetl to simplify the reporting of comments most typically requiretl by lenders to clarify aspects of the appraisal process. The presence of UREA-FORMALDEHYDE FOAM INSULATION or RADON GAS has not been tletertnined. If UFFI ar RADON GAS is present, the appraised market value may be adversely aHectetl. Exact "R" value insulation factors could net be determined. Any iMOrtnation stated on the appreisal was providetl by the inspection where the insulation was visible, or by the owner or agent of the owner where the insulation was concealed. All of the sales are closed transactions unless otherwise noted. The settlement date is to be considered the date of the sale U# and S# is shown on the market gritl date section. U stantls for untler contract and S stantls for settled date. This is done to give the reetler more complete iMOrmation on the consideretl comparable sales. Source of information of the sales generally list the appraisers Data Bank. The Data Bank contains information from the following sources: CENTRAL PENN MULTI-LIST, MONTHLY STEB REPORTS, COURTHOUSE RECORDS, ASSESSMENTS RECORDS, EXTERIOR INSPECTION OF THE SUBJECT PROPERTY, TELEPHONE INTERVIEWS WITH REAL ESTATE AGENTS, OWNERS, AND BUYERS, OR PRIVATE SALES REPORTING AGENCIES. IMormetion is always ver~etl by two (2) sources, and most usually by three (3) sources. When the source is listed es "INSPECTION" your appraiser has personally inspected the property. Heating systems abbreviations usetl in this report are as follows: The first letter tlenotes the fuel used - 0 = Oil, G = Gas, E = Electrio C =Coal, W = Wcoq and D = Ouel Fuel. The nett series indicated the type of heat. BB =Baseboard, FWA = Forcetl Wann Air, H WBB =Hot Water Baseboere CIB =Cast Iron BaseboarQ STM = Steam (radiator or convector), HW =Hot Water (Radiator or Convector), RAD = Radiant (heating elements wncealed in the ceiling or floors). Air ContlM1iort. CENT =Central Air, Wall =Built in wall units. Occasionally, the subject or comparable have special, higher efficiency heating systems: HEAT PUMP = a forcetl warts air heating system with a conventional badup heating system (usually elecrk, coultl be oil or gas) and caMrel air conditioning. GEO.HEAT PUMP =Geothermal Heat Pump uses constant temperature ground water for heating antl cooling. This system requires two wells antl is eztremely ef(cient. SESS =Supplemental Electric Storage System. This system heats large quentkies of water tluring off-peak hours antl uses the heatetl water during peak hours. Substantial savings result from reduced electric rates from the local electric company. Soma of the sales may show photographs with sale signs. Sales are not now untler contract or being afferetl unless specifically indicated within the appraisal report. For convience and spaeq sales photographs are taken from my existing date base for sales in the area. All of the sales intlicaletl have been ezternally and or interiorelly view by the appraiser as required by the appraisers guitlelines for performing appraisals. Subject Photos are original photos taken at the time of the subject property viewing and have not been akeretl. Tha use of the terms Superior/Inferior is consitlered as a mid line range behveen the more standard Good, Average, Fait, etc., etc. When applicable within the appraisal report, it is assumed, unless noted in the report, that the roof, plumbing, heating, electrical antl air conditioning system, wells, septic tanks or cesspool are in satisfactory operating contlition, that the building is sWcturally sound antl tree ct termite infestation and free of termite damage. The appraiser suggests that buyers, lenders and other interestetl parties obtain certNications from properly quali(etl professionals for their protection. Comparable photos may show listing signs or weather conditions different then the subject photos. Photos may be taken from the appraisers data base. All of the sales have been viewed by the appraiser as generally requested by the appraisers clients. There has not been a title search or survey completed on the subject property that would confirm or deny any encroachments, easements or deed restrictions on or against the subject property. At the time of the inspection of the subject unless notetl in the appreisal report, none IN the items "'CONTINUED ON NEXT PAGE"' °^' ^""c""°°' OS0227-09X9:-2.;-. Fle No Banover/Cllenl gbratlB111 a.a~.ny aaar«: 77) Erich RdiAtl city Cemb HJf cwmr ONnbedard -. sa. P0. 'r yp tee. 17011 ~.a~ mentionetl in this peregraph were visibly nolicetl or apparent The appraisal is matle considering the items not present or having no effect on the overall typical use of the subleq as valuetl in this report. If any of these Items are present, the Fair Market Value as tletermined by this report may be atlversely affectetl gPPRAISAL COMMENTS The tligital signature is an original signature antl is passwortl protectetl. Digital signaWres are acceptetl in the intlustry. It is noted that one or all of the sales are oltler than Ue desiretl six month range. The sales chosen were tlone so after a thorough seamh for sales that conform Detler to the tlesiretl guidelines. The sales chosen are consitleretl representative of the subject market and offer the bast tlata available for the subject. It Is notetl that the price per square fool of gross living area for 1 or all sales varies by mare than $10.00 per square foot comperetl to the sublect. The sales chosen are the Dest available. The subject's bedroom taunt varies hom that of the comparebles usetl. There was a lack of sales with comparable with the same betlroom count The difference in the betlroom count tloes not effect the marketability of the subject nor the comparebles. No atllusiments necessary. ENVIRONMENTAL ADDENDUM HAZARDOUS SUBSTANCES ANDIOR DETRIMENTAL ENVIRONMENTAL CONDITIONS File No DHtfZ2F090' Borrower w Owner Property Address 777 ErfMtl Road Qty Camp Hill'i County CudtlSerlantl State PA Zip Cotle 17911 Lender/Client ' 'Apparent is defined as that which is visible, obvious, evident or manifest to the appraiser. This universal Envimnmenfal Addendum is for use wdh any real estate appraisal Only the statements which have been chocked by the appraiser apply fo the property being appraised. This addendum reports the results of the appraisers routine inspection of and inquires about the subject property and its surrounding area. It also states what assumptions were made about the existence (or nonexisten<e)of any hazardous substances andlor tletnmental environmental contlitions. Th I I t rt vir nmental Inaoector and therefore might be unaware M existing hazardous substances andlor deMmenlal environmental contlitions which may have negative ehect on the safety antl value of the property. Il is possible that tes6 and inspections made by a qualified environmental inspecor would reveal the existence of hazardous materials anNOr detrimental contlitions on or around the property Ual would negatively aHetl its safety and value. Drinking Water is supplied to the sublect from a municipal water supply which is considered safe. However the only way to be absolutely certain that the water meets published standards is to have it tested at all tlischarge points. 0 Drinking Water is supplied by a well or other non-municipal source. It is recommended that tests be made 1o be certain that the properly is supplied with atlequate pure water. © Leatl can get into tldnking water from its source, the pipes, at all tlischarge points, plumbing (xtures antl/or appliances. The only way to be cedain that water does not contain an unacceptable lead level is to have it tested at all discharge paints. © The value estimated In this appnlsal Is based on the asaumptlon Mat there Is an adequate supply of safe, leadfiree Drnking Water. Comments © Sanitary Waste is removed from the properly by a municipal sewer system. Sanitary Waste is disposed of by a septic system or other sanitary on site waste disposal system. The only way to determine That the disposal system is atlequate antl in good working wntlition is to have it inspected by a qualiFletl inspector. © The value estimated In this appnlsal Ia based on the asaumptlon that the Sanitary Waste Is disposed of by a municipal sewer or an atlequate properly permlhe0 alternate treatment system In good cantlltlon. Comments a s © There are nc ~ aQ ren<signs of Soil Contaminants on or near the subject properly (except as eported in wmments below). It is possible that research, inspection and testing by a qualihed environmental inspector would reveal existing andlor potential hazardous substances andlor detrimental environmental contlitions on or around the property Uat would negatively aged its safety antl value. © The value estimated In this appraisal Is based on the asaumptlon that the subject property Is fine of Soll Contaminants. Comments © All or part or the improvements were consWCled before 1979 when Asbestos was a common building material. The only way to be certain that the property is free of (sable and non-friable Asbestos is to have it inspected and tested by a qualified asbestos inspector. 0 The improvements were mnstructetl alter 1979. No @pp r~friable Asbestos was observed (except as reported in the wmments below) © The value estimated In this appnlsal Ia based on the assump[lon Mat there Ia no uncontalnetl friable Asbestos or other hazardous Asbestos material on the property. Comments •• •- s - ~[ There were no a~ ao rent leaking fluorescent light ballasLS, capacitors or trdnsfotmers anywhere on or nearby the properly (except as reported in Commenk below). © There was no ~ ao rent visible or documented evidence known to the appraiser of soil or groundwater contamination from PCBs anywhere on the property (except as reported in Comments below). © The value estimated In this appnlsal Is based on the asaumptlon that there are no uncontalnetl PCBs on or seamy the properly. Comments 0 The appraiser is not aware of any Radon tests made on the subject property within the past 12 months (except as reported in Comments below). The appraiser is not aware of any Indication that the local water supplies have been found to have elevated levels of Radon or RatlWm. The appraiser Is not aware of any nearby properlies (except as reported in Comments below) that were or currently are used (or uranium, thorium or radium extraction or phosphate processing. The value eatlma[etl In Mis appraisal Is based on [he assumption that the Radon level Is at or below EPA recommended levels. Comments ENVIRONMENTAL ADDENDUM (cont.) .a .•. © There is no 2oarent visible or documented evidence known to the appraiser of any LISTS an the property nor any known historical use of the property that woultl likely have hatl LISTS. © There are no a~p~ar nt petroleum storage and/or tlelivery facilities (including gasoline stations or chemical manufacturing plants) Iccated on adlacent properties (except as reported in Comments below). O There are @p a~ signs of LISTS existing now or in the past on the subled propeny. It is recommentletl that an inspection by a qualified LIST inspector be obWinetl to determine the location of any LISTS together with their condition and proper registration if they are active; antl if they are inactive, to determine whether they were deactivated in accortlance with sountl intlustry practices. © The value estimated In this appaisal Is based an the assumptlon that any tuncllonlnB USTS are not leaking and are properly registered and [hat any abandoned USTS are free from contamina[lon and were propady droinatl, filled and sealed. Comments .,- .r• © There are no 3PParent Haurtlous Waste Sites on the subject property or nearby the subjeM property (except as reported in Comments below). Hazardous Waste Site search by a trained environmental engineer may tletertnine Nat there is one or more HazaMOUS Waste Sites on ar in the area of the subject property. © The value estimated In [his appaisal Is based on the assumptlon that there are no Hazardous Waate Silas on or nearby ma subject property that negativey attest the value or sa(ery of the property. Comments © All or part of the improvements were constructetl before 1982 when UREA foam insulation was a common building material. The only way to be certain that the property is free of UREA formaldehyde is to have it inspected by a qualRietl UREA formaldehyde Inspector. 0 The improvements were consbude0 after 1982. No a~ ap rent UREA formaldehyde materials were observed (except as reported in Comments below). ~( The value estimated In this appraisal Is based on the assumptlon that there Is no slBnMicant UFF1 Insulation or other URFA fortnaldehyda material on the propady. Comments ,a.. © All or part of the improvements were consWCtetl before 1980 when Leatl Paint was a common building material. There is no a~visibie or known documentetl evidence of peeling or Flaking Leatl Paint on the floors, walls or railings (except as reported in Comments below). The only way tp be certain that the property is free of surface or subsurtace Lead Paint is to have r~ it inspedetl by a qualifetl inspector. u The improvements were construMetl after 1980. No aooarent Lead Paint was observed (except as eporetl in Comments below). © The value estimated In this approlsal Is based on the assumptlon that there Is no flaking or peeling Leatl Paint on the property. Comments . ..• ~( There are no aPOarent signs of Air Pollution at Ne time of the inspection nor were any reported (except as reported in Comments below). The only way to be cedain that the air is tree of pollution is to have it tested. © The value estimated In rots appraisal Is based on the assumption that the property Is tree of Alr Pollution. Comments r •ar- © The site tloes not contain any a~ ardent Wetlantls/Flootl Plains (except as reported In Comments belowf The only way to be cedain that Ne site is free of WellandslFlood Plains is to have it inspected by a qualifetl environmental prMessional. © The value estimaletl In this apprelaal Is based on the assumption that there are no WetlandslFlood Plains on the properly (except as reportetl In Comments below). Comments ~[ There are no other apparent miscellaneous hazaNOUS substances and/or detrimental environmental conditions on or in the area of the site except as intlicated below'. Excess NO Se 0 Ratliation * Electromagnetic Radiation Light Pollution [] Waste Heet 0 Acid Mine Dra nage Agricultural Pollution L, Geological Hazartls [] Nearby Hazardous Property n Iniectiaus Metlical Wastes Pesticides Others (Chemical Storage -Storage Drums, P pet nes etc) ©The value estimated In this appraisal Is based on the assumptlon that there are no Mlacellaneous environmental Hazartls (except those reportetl above) that woultl negatively aHad [he value of iha property. When any of the environmental assumptions made In this atltlendum are not correct, iha eslimatetl value in this appraisal may not ba valitl. Juodcla rn~ivorv+rn rwvu......~ agpzZl OBQX94' raa rvo m,o..nGiam aprm~.~ cmwm nddre:: Iit Ekrd ftoM cry Came HO Caumv QuyEeMrN 'stale PA Lc COda rl%1 Tama, Wachovla 69III4 NA :. FRONT OF SUBJECT PROPERTY REAR OF SUBJECT PROPERTY STREET SCENE COMPARABLES PHOTOGRAPH ADDENDUM pgpnl-49(}Xy-a,;.., (Comps 1~3) Flie do. aerro.enaam ntaaham wepenv naer.., 171 BRoFd Rbed cly Camp Hill cooay CumbarlalM ' eras PA zip toes iTfiil ~emer WechoW 9aak NA compnele Sae '~75a-Erld(d Rtietl.::'. CarritiHill PA pa.msae: 02IW/09 sae FrYS' 113060 saw. 1224 S I sa. FI: 92.32 CanpenbN SW 973 EAdtd Road::.. Cann Hill PA oelea sW: 11739(0'1 ale R~ 109000 sa a, taa4 S ISy. FL' ~~ Lempen0le Sae '.590 EHMd Rdetl! Eamc Nill'. PA ogled sae 06114A] sae are: t06000 sa. FI. 1,224 s I sa FI: B5 98 COMPARABLES PHOTOGRAPH ADDENDUM (Comps 4~S) rue x.. U80.227-080X9+L::'. sor~o..arrca~,m Abraham anp.xv ~~.+ 777 ERbrt Road cy Cam6Hin co..y CumberlaM -'sa, pA i,p coa, 17011 ~„a„ WaclwviaSaak NA sorry, image is not available sorry, image is not available camwnei.al. 517 KtiveiCwK :.. Camd'NII o.~. of sm.; 01/18/08 su, ~~: 13060.0 sq. F, 1 A80. s isa cc 88.ifl c.nwnew s.w oa.o, sre s,i. w~. sq F~ s , sy r,: c~w..ei. s.i. o,ia nsa.: sm. vea sa r. s Asa rr Lww i ivn mnr nwcnwm Da0727-09QX§ 2 '. rm rvo. eoao~narem Abranem aAronv aaarc•• 777 EHwC lined cry CiBRI{1 f~R co~nq Cumbadeab I: gsre PA :. i,p~ t7P11 yam., ,Vi!acchovia BankNR SKETCH ADDENDUM Fae no. eo~ro..,raiem AMaham vA~nraee,e:: 777 ERam f2oetl cnv Came Ndt co~niv Cum6enantl s~a~s PA z'~o coat 170iT ~e~eer : ~WaC1lsYla BanY:NA ~. n, me ei w ~' :Mti `~ ew4.es.+. o. AMwm p +1,w5 ..r.. w~.e '':;ARFA '-.rn(~rypp~Y. ":LIOWa Apr:A 9IiEAKG44ta1' . . sew ,-bBWY~BB :111BIalr B4t*AIM. '. anwee so ,iBag r.! tiFAt Busk Ylme M{. A. BT6::6 Hvt vtvec OGA BsomM Plooc 3A#.A b]6.0 0 15 9. ~ P):.O L5. A.0 v 15.:0 a0:0 '.. B.aenB nm. ' Nat LIVABLE Anw (RoutIMC). t604 4ltama (ROUnaM) t5ad Fne No. 080227-tl9QJf9- `a ~ - Janl~ey 1V~or~tgon~ery Scott LL.(: March 11, 2008 Moses J.G. Abraham 907 West Foxcroft Drive Camp Hill, PA 17011 Dear Mr. Abraham: Attached is the Estate Valuation for account #1015-1837 registered in the name of: Florence G. Abraham (Deed) & Moses J. G. Abraham Jt. Ten. 907 West Foxcroft Drive Camp Hill, PA 17011 The total market value for this account as of 1/16/08 was $522,521.95. Less Margin Balance: $280,589.55 Total Account Equity: $241,932.40 Should you require additional information, please feel Free to contact me. Sincerely, ~~ i _-~ Charles A: Piss CFP, AAMS Senior Vice President/Investments Enclosures °0 671Yn <1 Hoed-,tiuiic 8l.~. Lcmucnc, P,A 170x3-I IOJ 71 i. i31.-4-}On I'is rl7. i:17,{-~I I ~ a'~<~~ ~ nsurlinr soot 11<-m her A'arv lbrk Stuck Fir han_.e Inc- and o~6er priuc ipal rzrham~o~ Vlnnhir ~tiavriGc. Imrsior Pruic<uun Gurpur.~i lim f Estate Valuation Date of Death: Valuation Date: Processing Date Shares or Par 01/16/2008 Estate of: Florence G. Abraham 01/16/2008 Account: 1015-1837 03/i0/2008 Report Type: Date of Death Number of Securities: 43 File ID: Florence G. Abraham DOD011608 Security Mean &/or Div & Int Security Description High/Ask Low/Bid Adj'ments Accruals Value 1) 400 ALBERTO CDLVER CO NEW (013078100; ACV) COM New York Stock Exchange 01/16/2008 24.70000 23.25000 H/L 23.975000 2) 562 ALTRIA GROUP INC (022095103; MO) COM New York Stock Exchange 01/16/2008 78.67000 77.51000 H/L 78.090000 3) 400 ARUZE CORP TOKYO (J0209H106) SHS Other OTC 01/15/2008 35.95000 35.95000 H/L 01/17/2008 28.95000 28.75000 H/L 32.900000 9) 854 AT&T INC (002068102; T) COM New York Stock Exchange 01/16/2008 38.85000 37.55000 H/L 38.200000 0.9 E 01/08 R O1/10 P G2/Ol/08 5) 900 BANK OF AMERICA CORPORP.T ION (060505109; BAC) COM New York Stock Exchange 01/16/2008 39.91000 37.68000 H/L 38.595000 6) 250 CBS CORP NEW (124857202; CBS) CL B New York Stock Exchange 01/16/2008 23.75000 23.17000 H/L 23.960000 Page 1 391.60 9,590.00 43,886.58 12,960.00 32,622.80 15,918.00 5,865.00 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. Janney Montgomery Scott LLC assumes no responsibility for accuracy or completeness of the information provided, the Date of Death and the specific securities, which are valued. While we deem this information to be reliable, we do not warranty or guarantee its accuracy. This service is not intended to constitute legal or tax advice. You should consult with your tax professional and attorney to discuss estate settlement and any legal matters. Date of Death: 01/16/2008 Estate of: Florence G. Abraham Valuation Date: 01/16/2008 Account: 1015-1837 Processing Date: 03/10/2008 Report Type: Date of Death Number o£ Securities: 43 File ID: Florence G. Abraham DOD011608 Shares Security Mean 6/or Div & Int Security or Par Description High/Ask Low/Bid Adj'ments Accruals Value 7) 688 CHEVRON CORP NEW (166769100; CVX) COM New York Stock Exchange 01/16/2008 88.38000 85.21000 H/L 86.795000 59,714.96 8) 50 COVIDIEN LTD (G2552X108; COV) COM New York Stock Exchange 01/16/2008 95.23000 99.51000 H/L 99.870000 2,293.50 9) 500 DEAN FOODS CO NEW (292370104; DF) COM New York Stock Exchange 01/16/2008 26.84000 25.20000 H/L 26.020000 13,010.00 10) 500 DOMINOS PIZZA INC (DPZ) COM New York Stock Exchange 01/16/2008 12.38000 11.89000 H/L 12.135000 6,067.50 11) 33 DPL INC (233293109; DPL) COM New York Stock Exchange 01/16/2008 30.51000 29.59000 H/L 30.050000 991.65 12) 200 DO PONT E I DE NEMOORS & CO (263539109; DD) COM New York Stock Exchange 01/16/2008 95.35000 43.76000 H/L 99.555000 8,911.00 Page 2 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. Janney Montgomery Scott LLC assumes no responsibility for accuracy or completeness of the information provided, the Date of Death and the specific securities, which are valued. While we deem this information to be reliable, we do not warranty or guarantee its accuracy. This service is not intended to constitute legal or tax advice. You should consult with your tax professional and attorney to discuss estate settlement and any legal matters. Date of Death: 01/16/2008 Estate of: Florence G. Abraham Valuation Date: 01/16/2008 Account: 1015-1637 Processing Date: 03/10/2008 Report Type: Date of Death Number of Securities: 43 File ID: Florence G. Abraham DOD011608 Shares Security Mean &/or Div & Int Security or Par Description High/Ask Low/Bid Adj'ments Accruals Value 13) 600 DOKE ENERGY CORP NEW (269410105; DUK) COM New York Stock Exchange 01/16/2008 20.15000 19.79000 H/L 19.995000 11,967.00 19) 32 EXELON CORP (30161N101; EXC) COM New York Stock Exchange 01/16/2008 85.17000 80.97000 H/L 83.070000 2,658.24 15) 160 EXXON MOBIL CORP (302316102; XOM) COM New York Stock Exchange 01/16/2008 89.35000 85.91000 H/L 87.630000 14,020.80 16) 590 GENERAL ELECTRIC CO (369604103; GE) COM New York Stock Exchange 01/16/2008 35.08000 34.31000 H/L 34.695000 18,735.30 0.31 E 12/20 R 12/24 P 01/25/06 167.90 17) 90 GREAT PLAINS ENERGY INC (391164100; GXP) COM New York Stock Exchange 01/16/2008 29.26000 28.90000 H/L 28.830060 2,599.'70 18) 200 HARTFORD FINL SVCS GROOP INC (416515109; HIG) COM New York Stock Exchange 01/16/2008 89.86000 81.79000 H/L 83.300000 16,660.00 Page 3 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. Janney Montgomery Scott LLC assumes no responsibility for accuracy or completeness of the information provided, the Date of Death and the specific securities, which are valued. While we deem this information to be reliable, we do not warranty or guarantee its accuracy. This service is not intended to constitute legal or tax advice. You should consult with your tax professional and attorney to discuss estate settlement and any legal matters. Date of Death: 01/16/2008 Estate of: Florence G . Abraham Valuation Date: 01/16/2008 Account: 1015-1837 Processing Da te: 03/10/2008 Report Type: Date of Death Number of Secur ities: 93 File ID: Florence G. Abraham DOD01160B Shares Security Mean ~/or Div & Int Security or Par Description High/Ask Low/Bid Adj'ments Accruals Value 19) 500 HEALTH MGMT ASSOC INC NEW (42193 3102; HMA) CL A New York Stock Exchange 01/16/2008 5.60000 5.38000 H/L 5.990000 2,745.00 20) 90 HESS CORP (42809H107; HES) COM New York Stock Exchange 01/16/2008 90.90000 85.86000 H/L 88.130000 7,931.70 21) 99 HOST HOTELS & RESORTS INC (99107 P104; HST) COM New York Stock Exchange 01/16/2008 16.66000 15.95000 H/L 16.305000 1,532.67 22) 388 KRAFT FOODS INC (50075N 104; KFT) CL A New York Stock Exchange 01/16/2008 31.50000 30.86000 H/L 31.180000 12,097.84 23) 500 MARCUS CORP (566330106; MCS) COM New York Stock Exchange 01/16/2008 15.11000 13.96000 H/L 19.535000 7,267.50 24) 200 NESTLE S A (691069906) SPONSORED ADR Other OTC 01/16/2006 111.20000 108.68000 H/L 109.940000 21,988.00 Page 4 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. Janney Montgomery Scott LLC assumes no responsibility for accuracy or completeness of the information provided, the Date of Death and the specific securities, which are valued. While we deem this information to be reliable, we do not warranty or guarantee its accuracy. This service is not intended to constitute legal or tax advice. You should consult with your tax professional and attorney to discuss estate settlement and any legal matters. Date of Death : 01/16/2008 Estate of: Florence G . Abraham Valuation Dat e: 01/16/2008 Account: 1015-1837 Processing Da te: 03/10/2008 Report Type: Date of Death Number of Secur ities: 43 File ID: Florence G . Abraham DOD011608 Shares Security Mean &/or Div & Int Security or Par Description High/Ask Low/Bid Adj'ments Accruals Value 25) 200 PNC FINL SVCS GROUP INC (693475105; PNC) COM New York Stock Exchange 01/16/2008 61.83000 59.23000 H/L 60.530000 12,106.00 0.63 E 01/09 R O1/11 P 01/24/08 126.00 26) 200 PROGRESS ENERGY INC (743263105; PGN) COM New York Stock Exchange 01/16/2008 48.76000 97.60000 H/L 98.180000 9,636.00 0.615 E O1/OB R O1/10 P 02/01/08 123.00 27) 1000 RAIT FINANCIAL TRUST (761196104; RAS) COM New York Stock Exchange 01/16/2008 8.44000 7.71000 x/L 8.075000 8,075.00 28) 332 REYNOLDS AMERICAN ZNC (761713106; RAI) COM New York Stock Exchange 01/16/2008 67.22000 66.17000 H/L 66.695000 22,192.74 29) 160 ROYAL DUTCH SHELL PLC (780259206) SPONS ADR A New York Stock Exchange 01/16/2008 79.88000 77.38000 H/L 78.630000 12,580.80 30) 900 SMITHKLINE BEECHAM PLC (832378301; SBH) ADR REP ORD New York Stock Exchange 12/26/2000 62.62500 61.12500 Y./L 61.875000 N/A Last price available on 12/26/2000 Page 5 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. Janney Montgomery Scott LLC assumes no responsibility for accuracy or completeness of the information provided, the Date of Death and the specific securities, which are valued. While we deem this information to be reliable, we do not warranty or guarantee its accuracy. This service is not intended to constitute legal or tax advice. You should consult with your tax professional and attorney to discuss estate settlement and any legal matters. t Date of Death: 01/16/2008 Estate of: Florence G. Abraham Valuation Date : 01/16/2008 Account: 1015-1837 Processing Dat e: 03/10/2008 Report Type: Date of Death Number of Secur ities: 43 File ID: Florence G . Abraham DOD011608 Shares Security Mean &/or Div & Int Security or Par Description High/Ask Low/Bid Adj'ments Accruals Value 31) 500 SCOTTS MIRACLE GRO CO (810166106; SMG) CL A New York Stock Exchange 01/16/2008 34.66000 33.00000 H/L 33.830000 16,915.00 32) 4 SMUCKER J M CO (832696405; SJM) COM NEW New York Stock Exchange 01/16/2008 96.85000 95.90000 H/L 96.375000 185.50 33) 300 SPECTRA ENERGY CORP (847560109; SE) COM New York Stock Exchange 01/16/2008 25.84000 25.25000 H/L 25.595000 7,663.50 39) 154 STARWOOD HOTELS&RESORTS WRLDWD (85590A203; HOT) COM New York Stock Exchange 01/16/2008 39.99000 37.60000 H/L 38.795000 5,979.43 35) 250 SYMANTEC CORP (871503108; SYMC) COM The NASDAQ Stock Market LLC 01/16/2008 16.90000 15.57000 H/L 15.985000 3,996.25 36) 100 TENNECO INC (880349105; TEN) COM New York Stock Exchange 01/16/2008 29.18000 22.37000 H/L 23.275000 2,327.50 Page 6 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. Janney Montgomery Scott LLC assumes no responsibility for accuracy or completeness of the information provided, the Date of Death and the specific securities, which are valued. While we deem this information to be reliable, we do not warranty or guarantee its accuracy. This service is not intended to constitute legal or tax advice. You should consult with your tax professional and attorney to discuss estate settlement and any legal matters. t Date of Death: 01/16/2006 Estate of: Florence G . Abraham Valuation Date: 01/16/2006 Account: 1015-1837 Processing Date: 03/10/2008 Report Type: Date of Death Numbe r of Secur ities: 43 File ID: Florence G . Abraham DOD011608 Shares Security Mean &/or Div & Int Security or Par Description High/Ask Low/Bid Adj'ments Accruals Value 37) 50 TYCO ELECTRONICS LTD (G9194P105; TEL) COM NEW New York Stock Exchange 01/16/2008 39.18000 32.60000 H/L 33.390000 1,669.50 0.19 E O1/10 R 01/14 P 02/04/08 7.00 38) 50 TYCO INTL LTD BERMUDA (902129106; TYC) sxs New York Stock Exchange 01/16/2008 36.22000 35.08000 H/L 35.650000 1,762.50 0.15 E 12/31 R 01/03 P 02/01/08 7.50 39) 500 USA MOBILITY INC (USMO) COM The NASDAQ Stock Market LLC 01/16/2008 12.43000 11.65000 x/L 12.040000 6,020.00 40) 250 VIACOM INC NEW (92553P201) CL B New York Stock Exchange 01/16/2008 90.23000 39.43000 x/L 39.830000 9,957.50 91) 39 vISTEON CORP (92839010%; vC) COM New York Stock Exchange 01/16/2008 3.86000 3.49000 H/L 3.650000 142.35 42) 524 WACHOVIA CORP NEW (929903102; WB) COM New York Stock Exchange 01/16/2008 35.76000 39.96000 H/L 35.110000 18,397.64 Page 7 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. Janney Montgomery Scott LLC assumes no responsibility for accuracy or completeness of the information provided, the Date of Death and the specific securities, which are valued. While we deem this information to be reliable, we do not warranty or guarantee its accuracy. This service is not intended to constitute legal or tax advice. You should consult with your tax professional and attorney to discuss estate settlement and any legal matters. r Date of Death: 01/16/2008 Estate of: Florence G. Abraham Valuation Date: 01/16/2008 Account: 1015-1837 Processing Date: 03/10/2008 Report Type: Date of Death Number of Securities: 93 File ID: Florence G. Abraham DOD011608 Shares Security or Par Description 43) 500 WYNN RESORTS COM The NASDAQ S 01/16/2006 Total Value: Total Accrual: Total: $522,521.95 Mean &/or Div & Int Security High/Ask Low/Bid Adj'ments Accruals Value LTD (983134107; wYNN) pock Market LLC 105.35000 97.94000 H/L 101.395000 50,697.50 $521,749.95 $772.50 Page 8 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. Janney Montgomery Scott LLC assumes no responsibility for accuracy or completeness of the information provided, the Date of Death and the specific securities, which are valued. While we deem this information to be reliable, we do not warranty or guarantee its accuracy. This service is not intended to constitute legal or tax advice. You should consult with your tax professional and attorney to discuss estate settlement and any legal matters. pl/la/Zpp9 ~~ 17:12 FAX Sovereign Sank ESTATE OF Florence G. Abraham SOCIAL SECURITY #: SS3-96-5010 DATE OF DEATH: January 16 2008 Account#: 2331032335 Type: Checking Open date: 12!9/1980 In the name of: Florence G. Abraham or M. J. Abraham Date of Death Balance: $9,843.01 Int.(XTD) from 1/1/2008 to 1/16/2008 $0.00 Accrued interest to date of death: $4.68 Other Info: Account has been joint for over 3 years Account #: 2334019508 Type: Savings Open date: 5/3!1990 In the name of: J G Abraham or Florence G. Abraham or M J Abraham Date of Death Balance: Closed 1/] 6/2008 $0.00 Int.(Y7'D) from 1/1/2008 to Accrued interest to date of death: $0-00 Otherlnfo: Closed 9/4/07 $7 Page 1 of 1 MYERS-HARNER FUNERAL HOME, INC. 1903 MARKET STREET CAMP HILL, PENNSYLVANIA 1]011 717-737A9fi1 i.ocal.~.vow r:o.v~oort:kai'F:n January 31, 2008 RORER'C N. RAANER SUPERVISOR DUSIIN R BAKER FUNERAL DIRECTOR ~ ~oo~ -~(Zf~~ Mr. Moses Abraham 907 West Foxcroft Drive Camp Hill PA 17011 Services for Florence G. Abraham January 21, 2008 Charges for Services Selected $ 4,290.00 Professional Services Use of Facilities Automotive Equipment $ 4,290.00 Charges for Merchandise Selected Casket $ 1,875.00 Liner 650.00 Blanket Embroidery 75.00 $ 2,600.00 Cash Advanced Newspaper Notice/Local $ 247.00 Certified Copies $ 307.00 Total due within thirty days, please: $ 7,197.00 James R. Gingrich Memorials • aS bf ~~.~ M~~„aria.~ C6S`~ I ~poi~~ c~ a~.~ (Y~ oh ~lZ'~°8 ~~~~ --, z~~ S X60, o~ -3 ~ t.E a c'~. 6 6 ~6p, 00 1 f'6lt,Y~(7~l°~ CoSI of ~nvoi~ceo~ boo . o~ $ 3, ``16~ . o 0 w iv :~ s ~~~ a m ~ o r OOJ- •L V Q21` NO \ V _ E ~°o m a z¢ s x ~ ¢ ~ u ~; .~!~s~ c-~ hl a u_~ _, ~~ = - ~ , ~~ _~ _ ~._ ou '~ 'c5~'c d cx- r.. ~~v~ t}a .i k N ~~ ~~ z i i C ,' J 4 r ~ J ( ~ N ~ ~~a J J L (~ !^~/ n Cn i~ ''~11 ~^^J,, 1~ •~ ~' ~y I"1 r ~ < .~ I~ ~~ U `- ~ J . , !- ~ J 1 ~ f,~ Q U V _ U