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05-13-09
5056051058 REV-1500 EX (06-05) OFFICIAL USE ONLY PA Department of Revenue County Code Year File Number Bureau of Individual Taxes INHERITANCE TAX RETURN Po sox zsosol 21 08 0853 Hardsburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 556-36-5312 08/13/2008 08/13/1920 Decedent's Last Name Suffix Decedent's First Name MI Wright Jr Arthur G (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Wright Virginia L Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE FILL IN APPROPRIATE OVALS BELOW ~: 1. Original Return 2. Supplemental Return _ 3. Remainder Return (date of death 2 pnorto 12-13-8 ) 4. Limited Estate 4a. Future Interest Compromise (date of 5. Federal Estate Tax Return Required death after 12-12-82) ~: 6. Decedent Died Testate ._ 7. Decedent Maintained a Living Trust _ 0 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust) 9. Litigation Proceeds Received { °"~.~ 10. Spousal Poverty Credit (date of death 11. Election to tax under Sec. 9113(A) between 12-31-91 and 1-1-95) (Attach Sch. O) CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number Michael A. Scherer, Esq (717) 249-6873 Firm Name (IfAppllCable) REGISTER OF WILLS USE ONLY Baric & Schere O'Brien , ;1S First line of address ~' C Q ~~ ~_ 19 W. South Street . ~-~ ~ ' Second line of address _ ~ _, %/~ DATt`-fIL17t3~ - ~ City or Post Office State ZIP Code TI r ; `;9 --T - .. - .1. r ~ _~ Carlisle PA 17013 :yam ~~ ~;;~ ``: `_ ~ Y GJ _ . ; i .L: Correspondent's a-mail address: 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. SIG E OF PERSON RESPON BLE FO NG ETURN .i DAT AD ESS 303 Bel edere Street, Carlisle, PA 17013 SIGN P4R R R OTHER THAN REPRESENTA 19 est South Street, Carlisle, PA 17013 PLEASE USE ORIGINAL FORM ONLY Side 1 15056051058 15056051058 J 15056052059 REV-1500 EX Decedent's Social Security Number Arthur G Wright ' s Name: Decedent REC APITULATION 1. Real estate (Schedule A) ........................................... .. 1. 94,000.00 2. Stocks and Bonds (Schedule B) ..................................... .. 2. 17,459.51 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ... .. 3. 4. Mortgages 8~ Notes Receivable (Schedule D) ........................... .. 4. 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ...... .. 5. 145,424.40 6. Jointly Owned Property (Schedule F) ,: a: Separate Billing Requested ..... .. 6. 4,873.27 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) '::=: Separate Billing Requested...... .. 7. 8. Total Gross Assets (total Lines 1-7) .................................. .. 8. 261,757.18 9. Funeral Expenses & Administrative Costs (Schedule H) ................... .. 9. 15,762.75 10. Debts of Decedent, Mortgage Liabilities, 8~ Liens (Schedule I) .............. .. 10. 11. Total Deductions (total Lines 9 & 10) ................................. .. 11. 15,762.75 12. Net Value of Estate (Line 8 minus Line 11) ............................ .. 12. 245,994.43 13. Charitable and Governmental Bequests/'Sec 9113 Trusts for which an election to tax has not been made (S'chedule J) ...................... .. 13. 14. Net Value Subject to Tax (Line 12 minus Line 13) ...................... .. 14. 245,994.43 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X .0 0 91,994.43 15. 0.00 16. Amount of Line 14 taxable at lineal rate X .045 154,000.00 16. 6,930.00 17. Amount of Line 14 taxable at sibling rate X .12 17. 18. Amount of Line 14 taxable at collateral rate X .15 18. 19. TAX DUE ..................................................... ... 19. 6,930.00 20. FILL IN THE OVAL IF YOU ARE REOIVESTING A REFUND OF AN OVERPAYMEN 2059 Side 2 15056052059 REV-1500 EX Page 3 Decedent's Complete Address: File Number 21 08 ,0853 ......:... DECEDENT'S NAME DECEDENTS SOCIAL SECURITY NUMBER Arthur G Wright 556-36-5312 STREETADDRESS 303 Belvedere Street CITY STATE zip Carlisle PA 17013 Tax Payments and Credits: 1. Tax Due (Page 2 Line 19) 2. CreditslPayments A. Spousal Poverty Credit B. Prior Payments C. Discount 3. Interest/Penalty if applicable D. Interest E. Penalty 7,000.00 350.00 (3) (4) (5) (5A) (5B) (1) Total Credits (A + g + C) (2) Total Interest/Penalty (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 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. A. Enter the interest on the tax due. B. Enter the total of Line 5 + 5A. This is the BALANCE qUE. Make Check Payable to: REGISTER OF WILLS, AGENT 6,930.00 7,350.00 420.00 PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred :.......................................................................................... ^ Q b. retain the right to designate who shill use the property transferred or its income :............................................ ^ Q c. retain a reversionary interest; or .......................................................................................................................... ^ d. receive the promise for life of either payments, benefits or care? ...................................................................... ^ 2. If death occurred after December 12, 182, did decedent transfer property within one year of death without receiving adequate consideratio ? .......... ^ .................................................................................................... 3. Did decedent own an "in trust for" or pa~able upon death bank account or security at his or her death? .............. ^ ^x ent Account, annuity, or other non-probate property which 4. Donta nsa be eficiaryidesignati Retire..i .................................................................................................................. >~ ^ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. I For dates of death on or after July 1, 1994 and before Jan'luary 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is three (3) percent [72 P.S. §9116 (a) (1.1) (i)]. For dates of death on or after January 1, 1995, the tax r;3te 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 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 ~or the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent, except as noted in 72 P.S. §9116(1.2) [72 P.S. §9116(a)(1)]. The tax rate imposed on the net value of transfers to or for he use of the decedent's siblings is twelve (12) percent [72 P.S. §9116(a)(1.3)]. Asibling is defined, under Section 9102, as an individual who has at least one paren~ in common with the decedent, whether by blood or adoption. REV-1502 EX+ (6-98) ', SCHEDULE A COMMONWEALTH OF PENNSYLVANIA REAL ESTATE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF ~ FILE NUMBER Arthur G. Wright. Jr. ' ~, ~o ~o~~ `~ ~.. c 1-VV'V VaJJ Ail real property owned solely or as a tenant in comm n must be reported at fair market value. Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts. Reai property which is ointlyowned with right of survivorship must be disclosed on Schedule F. ITEM NUMBER ' DESCRIPTION VALUE AT DATE OF DEATH ~~ 75 unimproved acres mountailh land ,New Lancaster Valley, Milroy, PA 94,000.00 TOTAL (Also enter on line 1, Recapitulation) $ 94,000.00 (If more space is needed, insert additional sheets of the same size) REV-1503 EX+ (6-98) SCHEDULE B COMMONWEALTH OF PENNSYLVANIA STOCKS & BONDS INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER KtV-1 SUf3 EX+ (6-98) SCNEDIJLE E COMMONWEALTH OF PENNSYLVANIA p ASH, BANK DEPOSITS & MISC. INHERITANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER Arthur G. Wright, Jr. 21-08-0853 Include the proc ds of litigation and the date the proceeds were received by the estate. All property jointl -owned with right of survivorship must be disclosed on Schedule F. ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH 1. M&T Bank checking account numbe 9839697555 3,823.34 2. PNC checking account number 514 194284 8,797.85 3. Jewelry:.52 ct round diamond and ounting 1,150.00 4. LPL Account View 130,341.21 5. Refund: Federal income tax 2008 1,312.00 TOTAL (Also enter on line 5, Recapitulation) $ 145,424.40 pt more (space is neetled, insert additional sheets of the same size) I REV-1510 EX+ (6-98) scNE~u~E ~ INTER-VIVOS TRANSFERS $ COMMONWEALTH OF PENNSYLVANIA c INHERITANCE TAX RETURN MISC NON-PROBATE PROPERTY RESIDENT DECEDENT . ESTATE OF FILE NUMBER Arthur G. Wright, Jr. 21-08-0853 This schedule must be completed and filed if t e answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes. DESCRIPTION OF ROPERTY ITEM INCLUDE THE NAME OF THETRANSFEREE, TH R RELATIONSHIP TO DECEDENTAND DATE OF DEATH % OF DECD'S EXCLUSION TAXABLE NUMBER THE DATE OF TRANSFER. ATTACH A COPY F THE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE ~~ LPL Account IRA Virginia Wright, dece ent's wife, is beneficiary 4,873.27 100 0.00 4,873.27 TOTAL (Also enter on line 7 Recapitulation) $ 4,873.27 (If mode space is needed, insert additional sheets of the same size) FitV-1511 EX+ (12-99) SCFIEDIJLE N COMMONWEALTH OF PENNSYLVANIA FUNERAL EXPENSES & INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER Arthur G. Wright, Jr. 21-08-0853 ebts of decedent must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A• FUNERAL EXPENSES: t' Funeral 5,255.00 2. Cemetary 4,266.00 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative s) Social Security Number(s)/EIN Nu ber of Personal Representative(s) Street Address City .State Zip Year(s) Commission Paid: 2. Attorney Fees 5,000.00 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Claimant Street Address City ', State Zip Relationship of Claimant to DecedQnt 4. Probate Fees 385.00 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. Checks for estate checking account' 18.75 a. Appraisal: real estate 300.00 9. Sentinel: Advertising 222.00 ~o. Pa Department of Revenue: 2008 income tax 316.00 TOTAL (Also enter on line 9, Recapitulation) I $ 15,762.75 (If more space is needed, insert additional sheets of the same size) REV-1513 EX+ (9-00) . SCHEDULE J COMMONWEALTH OF PENNSYLVANIA BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE 0 Arthur G NUMBER 1 1. 2. 3. 4. 5. 6. 7. 8. 9. . Wright, Jr. NAME AND ADDRESS OF PER ON(S) RECEIVING PROPERTY TAXABLE DISTRIBUTIONS [include outright,spousal distributions, and transfers under Sec. 9116 (a) (~.2)] Virginia L. Wright, 303 Belvedere St.,'', Carlisle, PA 17013 Lisa A. Betts, 30 East Oakwood Dr., Carlisle, PA 17015 Dana L. Brenneis, 1271 Sandy Lane,lBoiling Springs, PA 17007 Daeron C. Betts, 113 Courtyard Dr., Carlisle, PA 17013 Justin Betts, 30 East Oakwood Dr., Carlisle, PA 17015 Liam Brenneis, 1271 Sandy Lane, Boling Springs, PA 17007 Noah Brenneis, 1271 Sandy Lane, B~iling Springs, PA 17007 Keegen Brenneis, 1271 Sandy Lane, (Boiling Springs, PA 17007 Aria Brenneis, 1271 Sandy Lane, Boil ng Springs, PA 17007 ENTER DOLLAR AMOUNTS FOR DISTRI NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER ; FILE NUMBER 21-08-0853 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE Do Not List Trusteelsl nF FCTGTF wife daughter daughter grandchild grandchild grandchild grandchild grandchild grandchild residue specific bequest of real estate .,specific bequest of real estate 10, 000.00 10,000.00 10, 000.00 10,000.00 10,000.00 10, 000.00 SHOWN ABOVE ON LINES 15 THROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET $ 0.00 (If more space is needed, insert additional sheets of the same size) LAST WILL AND TESTAMENT OF ARTHUR G. WRIGHT, JR. I, ARTHUR G.' WRIGHT, JR., of 303 Belvedere Street in the Borough of Carlisle, ~ Cumberland County, 'Pennsylvania, being of sound and disposing mind, memory and `- _~ p ug~erstanding, do hereby make, publish and declare this as and for my Last Will and _ .I rr-Testament, hereby revoking and making void any and all Wills by me at any time heretofore -' ti~made. ~~~ 1. I direct my hereinafter named Executrix to pay all of my just debts and funeral .~, , = - _ "" _~ expenses as soon after my death as may be found convenient to do so. r ~ ~ ~' ~ 2. Upon my death, all property owned jointly by me with my wife, Virginia L. J Ll ..v-t• ~ ~ _... o ~ ~TNright, shall be hers alone by survivorship, which property presently includes the real ~' Mate known as 303 Belvedere Street, Carlisle, Pennsylvania, the real estate known ra as 137 West Louther Street, Carlisle, Pennsylvania, various shares of stock registered in our joint names, and our household goods and furnishings and all cash on hand including bank accounts. The bank account maintained by me in connection with my optometric 'I practice is in my name alone and is not jointly owned with my wife and is to be included in the residue of my Estate. 3. The man's diamond ring which I wear I give and bequeath to my daughter, Lisa Ann Betts, provided she shall survive me by a period of ninety (90) days but should she fail to so survive me then the same shall lapse and be included in the residue of my Estate. 4. The tract of land containing approximately 75 acres which I own located in New Lancaster Valley, Armagh Township, Mifflin County, Pennsylvania, described in __ deed recorded in Deed Book "W", Volume 5, Page 455, I give, devise, and bequeath in equal shares to my three (3) daughters, Lisa Ann Betts, Karen Anne Guss, and Dana Lee Wright, their heirs and assigns, provided each of them shall survive me by a period of ninety (90) days, but should any of them fail to so survive me then the share such deceased daughter would have received shall pass to such of her issue as shall survive me by a period of ninety (90) days, per stirpes, but should there be no such issue then the same shall lapse and be included in the shares of the other two (2) daughters. I further direct that should the owner of any undivided interest in said 75-acre tract of land desire to convey the interest of such owner, the owners of the other undivided interests shall be given right of first refusal to acquire same on whatever terms and conditions are satisfactory to the selling owner, which right shall be accepted or rejected within thirty (30) days from written notice of such offer and if not accepted, then the owner of such undivided interest may be free to convey same on the terms and conditions which were submitted to the other co-owners. This provision of first refusal shall not apply to transfer of ownership by descent or devise. 5. All the rest, residue and remainder of my Estate, real, personal and mixed, and wheresoever the same may be situate, I give, devise and bequeath to the person or persons who are appointed to serve as Executrix or Executrices of my Estate, in Trust, to receive and to invest the same and to pay the income arising therefrom to or for the benefit of my mother, Mary E. Wright, so long as she shall live, and upon her death or ' in the event she has pre-deceased me upon my death, the said Trustees shall terminate said Trust and pay therefrom Ten Thousand ($10,000.00) dollars to or for the benefit of each grandchild of mine living at the time of the death of my mother or my death, Page 1 of 2 Pages ' whichever shall be later, which sum shall in the case of any grandchild less than Z8 years of age be paid to the parents of such grandchild as Guardians of the estate of such grandchild with the request that said sum of Ten Thousand ($10,000.00) dollars be applied toward the higher education of such grandchild to the extent reasonably necessary and any sum not so applied to be turned over to such grandchild upon attaining 21 years of age. The balance remaining in the hands of my said Trustees shall then be paid to or for the benefit of my wife, Virginia L. Wright, absolutely, free of said Trust, but should she be not living at the time of such distribution then the same shall be paid in equal shares to such of my three (3) daughters as may be then living, but should any of my three (3) daughters be then deceased, the share such deceased daughter- would have received shall be distributed to such of her issue as may then be living, per stirpes, and if there be no such living issue the same shall be added to the shares of the other daughters. 6. I hereby nominate, constitute and appoint my wife, Virginia L. Wright, as Executrix of this my Last Will and Testament, but should she pre-decease me or fail to qualify or cease serving as such, then I nominate, constitute and appoint my three (3) daughters, Lisa Ann Betts, Karen Anne Guss, and Dana Lee Wright, or any of them as alternate or successor Executrices, and I further direct that none of them shall be required to post any bond to secure the faithful performance of her duties in the Commonwealth of Pennsylvania or in any other jurisdiction. IN WITNESS WHEREOF, I have hereunto set my hand and seal to this my Last Will and Testament, written on two (2) pages, this 14th day of November , 1983. rthur G. Wright, Jr. Signed, sealed, published and declared by ARTHUR G. WRIGHT, JR., the Testator above named, as and for his Last Will and Testament, in our presence, who in his presence, at his request, and in the presence of each other, have hereunto subscribed our names as attesting witnesses. ~r~ Page 2 of 2 Pages %~~~ l~ ~e~~ el ~~ s :~~ ~l ~ M ~ Y7C~ C.~hr DATE: CUSTOMER'S ORDER NO: HAPIIE: ~~. ~~T ~5~3 - ~27~ ADDRESS SOLD BY CASH COD CHAROE OPI ACCT. MDSE RE5'D PAfD OUT flTY_ [lESCiiiFT10~1 PR1GE AMOUNT 3 ~ry~Etf-ems ~~ 9 ~~rol.t-l ~~ ~ ~ ~ 5 I iGE~ -1~-7i`l /r L U r~ ~ ~~j~ n J / n 9B All claims an! raiumed 3oods MUST be accampanied by this bill. RECE39tED B`f ~9FC~3~'le Carhonleu S8E47-CL ~7uplirate ~ 589'7-CL Triplicate ©1949 8editorm N~~;v. ~U. 2u08 11; O6A~~1 PNC BANK 41 ~-70~-2?^1 ~~o, 4,41 P. ~~~ ~FJ~ItE~iG 7N@ Ysfd1Y November 20, 2008 Michael Scherer Attorney at Law 19 West south Street Carlisle, PA 17013 },tE: Arthur G Wright SSN: 556-36-5312 DOD: OS-13-2008 Dear Mr. Scherer: In response to your request for Date of Death (DOD} balances for the customer noted above, our records show the following: Cheelung Account Established: OS-O1-1967 Account # 5140194284 ARTHUR G WRIGHT DOA balance: $ 8,797.23 + 0.62 accrued interest Please note that this office provides date of death balances for deposit accounts (IFt.As, CDs, Checking and Savings). We Flo nolease call 1 888 PNGB tANi~ (1 8885762p 265) or ~op by your Vocal PNC Bank bran h tl, any of these items, p office. Sincerely, National Financial Services Ceztter PNC Bank, N.A. Member FDIC Page 1 of 1 p ~s~ 499 Mitchell Road, Millsboro, DE 19966 Mail Code DE-MB-12 Phone (888)502-4349 Fax (302)934-2955 November 19, 2008 Law Offices O'Brien, Baric & Scherer 19 West South Street Carlisle, Pennsylvania 17013 Re: Estate of Arthur G Wright, Jr Social Security: 556-36-5312 Date of Death: August 13, 2008 Dear Sir or Madam: Per your inquiry dated November 13, 2008, please be advised that at the time of death, the above-named decedent had on deposit with this bank the following: Type ofAccount Account Number Ownership (Names oj~ Opening Date Balance on Date of Death Accrued Interest Total Checking Account 9839697555 Arthur G Wright* 5/19/06 Closed 8/25/08 $ 3,823.21 0.13 $ 3, 823.34 Please be advised, there was no safe deposit box found for the above decedent. * If upon reviewing the information above, you believe there are additional accounts not referenced, please provide us with an account number and/or name of any possible joint account holder. For any additional information on the above accounts, including ownership and any changes, closures and/or reimbursement of funds, etc., please contact our Carlisle West Office # 717-240-6717. Sincerely, ~~ ~ „~~C~..v_Yl.~ 1~ Tracie Hare Adjustment Services -a -o 0 Oo N 0 0 00 N ~._ - Q 3 -~ d~,mz ~, n ~ a_ D ~a~' k ~~ ~ ~ ~ ~ .Ol. ~ ~~ q ~~.. O~ ~~`~ .Ol. 7 ~' 7~m'7i j ? tll ~ ?, W ~~~~~ ~~~~~' - o ~~~ ~ m » g~~l ~ 3 S o s$~a. m .~~~_. ~~ fig'"" c ~~~g~!• m~ ~~3~~~ °<? 'm m m aim ~~ m ~ ~ ~ ~~'j ~.. 0 ~ ~ ~ m m, 1 ~ Q ~ o ocN~~! ag~~v~' a d ~ mm1 ai cif' m 3 ~ ,~ ~ ~ < ~c ~ m ~~I C c~. ~~'m m' C! 7 g I m ',_~ m ' i ^. i :moww. 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C~7t , lol 7' o o 0 0 0 0 0 o F~ d- -` _ _ -_ - -- - ----- - -- ------ ONO'N~O A O W W ~ .~ ~ W ~ W O '' p j ~ W A m W -_ __-~ _ _-. _.-_ I _- -._ _- _ Z z z z z zzz hIo D,D D D D D D D w r: ~ ~ , i ' * ~ AC C a ~ Z ~~ Z D D Z Z D D Z_ Z_ Z_ Z_ ~ ~ ~ ~ m - - D -D -D _D- - - m r 'o ~ ~ ~ N _ ~ ~ a '. z';' z z z z z z_ z_ 1° ~ _~ a D P D D_ _D D--- D_D_D -- -,. ~rn~rn [ rn o 'D ~ ~ $ o I ~3. c a mrn' m m ~ wm,~' ~~ eo ~ m f D n O C A V D v_ D W~ y ~ O \/ ~ ~ v O D t~ \I N ~ N c 0 v ~~f. `' _i 0 A o m ~~ ~I 0 0 0~ ~\ 1 ~~ `~ m i7 A 0 0 0 `~ 0 O\0 00 N O O 00 00 N b a 3~ m Z O N O ~ d ~. ~ ° ~.Da~+ D~D r. m m~ X p O ~,;~go~ v __ m o ~ ~ -• .• rt ~ v fn c ~ x'01 ~ ' w o~ a ~ bo w rp ~ o 7 y m m~ m W W c n W ~ p O ~ ~ n ~ ~ N . ~ am~ D y ~ ~ j T ~ m ~-'~ m Qp c 0 3 ° ° N (n ~ ~ N 0 m3o~Q ~ ~ D ago v ~' c ~m ..m_~m m~~~n. __- n.n DD D I ~I ~ D ~' ra m ~ ° D rn . ~ v » ~ 'O c o gm ~ pi ~ m m a m D~ ~ o e m m ~ r QoD . . m Q`~ N Z omo~.m n o ~~-~ o ~D ,m°~o. m~ ~~ ~z m -~a C Z m m moic ~ ~ m ~ ~ ~ -- o~p0/' m ~ 0~ u i o ~ 6~m ~ + ~ C7 N ~~ D-I °cN N-° ~~a ~ Z ~~ N m=y 7 O ~ ~ ~ S G ~ o N ~ m O A°( C o ~ C ; C Z W N CTI v O O O A ~ v ~ o ~ tp~ tQ -- ~ N k +O ~ ~C`'1 A o ~ IS {WO -~A- ------ YA - - ~ -- --- w ~~o o°> rn m ~ l3 » N V CO OD O A A O A W A ') G - _ _ _ ~ _ - __ Cn ~ _ ------ W * n ~C Of O ~ IO ~ N V v fA +~ . m A A ~ N I~ I O O1 ~ m --- --_--- ~ ---iO- _--- ~' s ~ ~ w -~ I r r m ~ ~ t p ~ Q. ID h ~ O I ~ .~. C7 m D VDl m n y (D N 'C a v 0 O_ p. D A O 7 ~ ao w w D v D _:~,: D y O 0 a I1 D C 1 Q j ,. v~ y A A ~. ~. ~o A 'i3 `~ O_ O Lv w '~ File No. ML-526-08 Paae ae9 -.~ . -_ _ ~~ -.r ,. , LOCATED AT: NEW LANCASTER VALLEY 0261 /.676 MILROY, PA 6823 FOR: AS OF: 1 v1/o6 BY: ROBERT L BAER Madin H. Fields Real Estate Form GA2 - "WinTOTAI" appraisal software by a la made, inc. -1-800-ALAMODE File No ML-528-08 Paae #~ APPRAISAL AND REPORT IDENTIFICATION This Appraisal conforms to Qpg of the following definitions: ^ Complete Appraisal The act or process of estimating value, or an estimate of value, pertormed without invoking the Departure Provision. ^ Limfted Appraisal The act or process of estimating value, or an estimation of value, performed under and resulting from invoking the Departure Provision. This Report is 4llg of the following types: ^ Self Contained Report A written report prepared under Standards Rule 2-2(A) of a complete or limited appraisal pertormed under Standard 1. ® Summary Report A written report prepared under Standards Rule 2-2(B) of a complete or limited appraisal pertormed under Standard 1. ^ Restricted Report A written report prepared under Standards Rule 2-2(C) of a complete or limited appraisal pertormed under Standard 1. Comments on Appraisal and Report Identification Note any departures from Standards Rules 1-2, 1-3, 1-4, plus any USPAP-related issues requiring disclosure: Mariin H. Fields Real Estate Form ID1- "WinTOTAL" appraisal software 6y a la mode, inc. -1-800-ALAMODE File No. ML-526-08 Pa a #4 SUMMARY OF SALIENT FEATURES Subject Address NEW LANCASTER VALLEY Legal Description 0261/.676 City MI LROY County MIFFLIN State PA Zip Code Census Tract 9601.00 Map Reference 44-12 Sale Pnce $ Date of Sale Borrower/CIieM WRIGHT ESTATE Lender Site (Square Feet) Price per Square Foot $ Location RURAL Age CondRion Total Rooms Bedrooms Baths Appraiser ROBERT L BAER Date of Appraised Value 11/1/08 Final Estimate of Value $94,000 Form SSD - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE ' LAND APPRAISAL REPORT File No. ML-526-08 Pa a #5 WRIGHT Borrower WRIGHT ESTATE File Nc. ML-526-08 Property Address NEW LANCASTER VALLEY census Tract ytiu1.00 Map Reference 44-12 City MILROY County MIFFLIN State PA Legal Descdption 0261/.676 Zip Code Sale Pdce $ Date of Sale Loan Term yrs. Property Rights Appraised ~I Fee Actual Real Estate Taxes $ 1,281 (yr) Loan char es to be aid b seller $ ^ Leasehold ^ De Minimis PUD 9 P Y Other sales concessions Lender/Client Address 341 NORTH SCIENCE PARK ROAD SUITE 205 STATE COLLE Occupant Appraiser ROBERT L BAER Instructions to Appraiser ESTIMATE MARKET VALUE AS OF THE DATE OF THE INSPECTION. Location Urban ! Suburban Rural Built Up ^ Over 75% ^ 25% to 75% Good Avg. Fair Poor ® Under 25% Employment Stability ^ ® ^ n Growth Rate ^ Fully Dev. ^ Rapid ®Steady ^ Slow Convenience to Employment ^, Property Values ^ Increasing ~ Stable r' ^ Declinin C [ ~ g onvenience to Shopping , Demand/Su I ~ ^J PP Y ^ Shortage ,~ In Balance ^ Oversupply Convenience to S h l c oo s ^ ~ ~, ^ Marketing Time ^Under 3 Mos. ®4-6 Mos. ^ Over 6 Mos. Adequacy of Public Transportation ^ ~ [', ^ Present Land Use 50% 1 Family 5% 2-4 Famil % A t y _ p s. _% Condo 5% Commercial Recreational Facilities % Industrial 40% Vacant % ^ ~ Lam- ^ _ Adequacy of Utilities ^ ~ ^ ^ Change in Present Land Use ~I Not Likely ^ Likely (*) ^ Taking Place (*) P rt C rope y ompatibilhy ^ ~ ^; ^ (*) From To Protection from Detrimental Conditions r Predominant Occupancy ~ Owner ^ Tenant 05 % Vacant a ® ~ `J Sin le Famil Pdce Ran a Police and Fire Protection ~ ^ 9 Y 9 $ 60,000 to $ 255,000 Predominard Value $ 150,000 General Appearance of Properties ^ ~^ ^ Sin le Famil A g y i ge 0 yrs. to 80 yrs. Predominard Age 40 yrs. Appeal to Market ^ ® ^ ^, Comments including those factors, favorable or unfavorable, affecting marketability (e.g, public parks, schools, view, noise): THE SUBJECT IS LOCATED APPROXIMATELY 15 MILES NORTH OF LEWISTOWN.THE SUBJECT IS WITHIN 45 MINUTES DRIVING TIME TO SCHOOL SHOPP AND ING EMPLOYMENT. Dimensions N/A = 75.0 Sq. Ft. or Acres Zoning classification NONE Comer Lat Present Improvements ~ do ^ do not cordorm to zoning regulations Highest and best use ^ Present use ~ Other s ecif RESIDENTIAL Public Other (Describe) OFF SITE IMPROVEMENTS Topo SLOPING TO STEEP Elec ~ . Street Access ~ Public ^ Private Size AVERAGE Gas ^ NONE Surface ASPHALT Shape MOSTLY RECTANGULAR Water ^ NONE Mairdenance ®Public ^ Private View AVERAGE San. Sewer ^ NONE ^ Storm Sewer ^ Curb/Gutter Drainage AVERAGE ^ Underground Elect. & Tel. ^ Sidewalk ^ Street Li hts Is the property located in a HUD Iderdified Special Flood Hazard Ara? ^ No ®Yea Comments (favorable or unfavorable including any apparerh adverse easemerrts encroachm m h , e s, or ot er adverse conditions): EXCEPT FOR THE AMISH NEIGHBOR YOST HOSTETLER WHO HAS A RIGHT TO USE THE BRIDGE FOR ACCESS TO HIS HOM E THERE ARE NO APPARENT ADVERSE EASEMENTS OR ENCROACHMENTS. The undersigned has recited three recerrt sales of propeNes most similar and proximate to subject and has considered these in the market analysis. The descdption includes a dollar adjustmem reflecting market reaction to those hems of significant variation between th b e su ject and comparable properties. tt a signficard hem in the comparable property is supetlor to or more favorable than the subject property a minus (-) adjustrnem is made thus red i fl i ' , uc ng te ndicated value of su ct; it a si nificant item in the co favorable than the subject property, a plus (+) adjustment is made thus increasing the indicated value of the subject g mparable is infedar to or less ITEM SUBJECT PROPERTY Address NEW LANCASTER VALLEY COMPARABLE N0.1 KNOB RIDGE ROAD COMPARABLE N0.2 TREASTER VALLEY ROAD OMPARABLE N0.3 MILROY Proem' to Sub' ct MILROY PA 17063 MILROY PA 17063 RR1 BOX THOMPSONTOWN PA 17094 Sales Price 0.97 miles NW 2.67 miles N 16.85 miles SE Price /SF 100 000 2 137 85 829 148 000 Data Source APPRAISER PUBLIC RECORD 1 165 PUBLIC RECORD 1967 PUBLIC RECORD Date of Sale and DESCRIPTION Time Adjustment DESCRIPTION + - Ad'ust. DESCRIPTION + - Ad'ust DESCRIPTION + - Ad'ust ocation RURAL 3/17/2008 RURAL 5/29/2008 RURAL . 6/18/2007 Site iew 75.OACRES 46.8ACRES 73.67ACRES RURAL 60.OACRES NONE NONE NONE NONE NONE NONE NONE NONE Sales or Flnancing NONE Concessions NONE NONE NONE NONE Net Ad' otal NONE NONE NONE . Indicated Value + - + - + - of Subject Comments on Market Data: WITH ADJUSTM Net % 100 000 ENTS SALES 2 WAS CONSIDERE Net % D MOST COMPARABLE B 000 AND THE CREEK THAT RUN CLOSE TO THE ROAD.$1 165 + 7% TIME _ ECAU $1 247 X 75ACRES = $93 525 RO SE OF THE TOPOGRAPHY UNDED $94 000 Comments and Conditions of Appraisal: THE SUBJECT IS LOCATED IN RURAL WOODED AREA WITH VACANT LAND AND EASY ACCESS TO PUBLIC ROAD AND ELECTRICITY. Final Reconciliation: ALL THREE APPROACHES TO VALUE WERE CONSIDERED.THE INCOME APPROACH WAS NOT APPROPRIATE FOR T HIS LAND APPRAISAL.THE SALES COMPARISON APPROACH WAS USED IN DETERMINING THE FINAL VALUE ESTIMATE. I ESTIMATE TBE MARI(ET//V~~ALUE, AS DEFINED, OF SUBJECT PROPERT7' AS OF 11/1/08 2Q 08 t0 be $ 94 000 y~~ ~~`~ ncv ca~1 ROBERT L BAER r ®Did LJ Did Not Physically Inspect Property Ap raisers Review Appraiser tt ap licable (Y2 K] Madin H. Fields Real Estate Form LND - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE File No ML-526-08 Paae #6 rllc 17V. Ml-JLO-U8 nt WRIGHT ESTATE Pro a Address NEW LANCASTER VALLEY C' MILROY Coun MIFFLIN State PA Zi Code Lender MICHAEL D WALDRON,THE FOREST TECHNICIAN FOR PENN FORESTRY COMPANY, RELATED THAT THERE ARE NEGATIVES THAT AFFECT THE WRIGHT PROPERTY," INCLUDING A VERY NARROW ENTRANCE/EXIT FROM NEW LANCASTER VALLEY ROAD TO AND FROM THE PROPERTY THAT IS BELOW ROAD GRADE.THE BRIDGE OVER THE CREEK IS COMPROMISED IN THAT ONE OF THE TWO STEEL I-BEAMS,THAT SUPPORTS THE WOOD DECKING AND ANY TRAFFIC, IS TWISTED AND THE OTHER IS PIECED TOGETHER BY WELDING.THE I-BEAMS ARE SUPPORTED BY PIERS THAT ARE RAILROAD TIES FILLED WITH BALLAST. WHEN THE LOG TRUCKS USED THE BRIDGE THE I-BEAMS WERE TEMPORARILY SUPPORTED FROM BELOW AND A REMOVABLE DECK WAS LAID ON TOP OF THE PRESENT WOOD DECKING.THE LAND ITSELF IS MOSTLY SLOPING TO STEEP AND MORE THAN A 20 DEGREE ANGLE PROHIBITING IN GROUND SEPTIC TESTING.THERE ARE TONS OF WATER THAT FLOWS OVER THE PROPERTY TO THE CREEK.THE INDIANA BAT STUDY PROHIBITS FURTHER TIMBERING AND THE TIME LINE FOR NEW GROWTH TIMBER WOULD BE APPROXIMATELY 75 YEARS.TO PERMANENTLY REPAIR OR REPLACE THE BRIDGE WOULD REQUIRE STATE APPROVAL,AN ENGINEERING STUDY AND MONEY FOR ALL THE NECESSARY PERMITS,STUDIES AND CONSTRUCTION MATERIALS". SALE 2 WAS ON GRADE AT THE ROADWAY AND FRONTED THE ROADWAY FOR MORE THAN 400 FEET.THERE WAS NO BRIDGE OVER THE CREEK TO THE MAJORITY OF THE LAND. THE SUBJECT BRIDGE APPEARS TO BE ON THE WRIGHT PROPERTY. THE PROPERTY IS NOT FOR SALE AND THE PURPOSE OF THE APPRAISAL IS TO PROVIDE AN OPINION OF VALUE FOR THE ESTATE. THE OPINION OF VALUE IS MARKET VALUE. THE HIGHEST AND BEST USE OF THIS PROPERTY WOULD BE RECREATIONAL. Form SUP - •WinTOTAI" appraisal software by a la mode, inc. -1-800-ALAMODE File No. ML-526-OS Pa a #7 DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisfte to a fair sale, the buyer and seller, each acting pmdemly, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specrfied 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 considers his 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 represems the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. * Adjustmerds to the comparables must be made for special or creative financing or sales concessions. No adjustmerds 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 iderditiable 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 adjustmerd should approximate the market's reaction to the financing or concessions based on the appraiser's judgemem. STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION CONTINGENT AND iIIMITINO CONDITIONS: The appraiser's cert'rfication that appears in the appraisal report is subject to the following conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the tide to h. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of it being under responsible ownership. 2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvemems and the sketch is included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangemems to do so have been made beforehand. 5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid tt they are so used. 6. The appraiser has noted in the appraisal report any adverse contlltions (such as, needed repairs, depreciation, 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 normal research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden or unapparem condhions of the property or adverse environmental conditions (including the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no guarardees or warranties, express or implied, regaling the condition of the property. The appraiser will not be responsible for any such condhions that tlo 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, the appraisal report must not be considered as an environmental assessment of the property. 1. The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report tram sources that he or she considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such items that were furnished by other parties. 8. The appraiser will not disclose the convents of the appraisal report except as provided for in the Unrform Standards of Professional Appraisal Practice. 9. 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 completion of the improvements will be performed in a workmanlike manner. 10. The appraiser must provide his or her prior written consent before the lender/cliem spec'died in the appraisal report can distribute the appraisal report (including conclusions about the property value, the appraiser's identity and professional designations, and references to any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the mortgagee or its successors and assigns; the mortgage insurer; consuttams; professional appraisal organizations; any state or federally approved financial instftution; or any departmem, agency, or instrumentality of the United States or any state or the District of Columbia; except that the lendedclient may distribute the property description section of the report only to data collection or reporting service(s) without having to obtain the appraiser's prior written consent. The appraiser's written consent and approval must also be obtained before the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media. Freddie Mac Form 439 6.93 Page 1 of 2 Fannie Mae Form 1004B 6-93 Malin H. Fields Real Estate Form ACR - "WinTOTAL" appraisal software by a la mode, inc. - t-800-ALAMODE File No. ML-526-08 Pa a #8 APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that 1. I have researched the subject market area and have selected a minimum of three recerd sales of properties most similar and proximate to the subject property for consideration in the sales comparison analysis and have made a dollar adjustment when appropriate to reflect the market reaction to those items of signhicant variation. g a sign'rficant hem in a comparable property is superior to, or more favorable than, the subject property, I have made a negative adjustment tc reduce the adjusted sales price of the comparable and, 'rf a signrficant item in a comparable property is inferior to, or less favorable than the subject property, I have made a poshive adjustment to increase the adjusted sales price of the comparable. 2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the appraisal report. I have not knowingly withheld any signhicant information from the appraisal report and I believe, to the best of my knowledge, that all statements and information in the appraisal report are true and correct. 3. I stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the contingent and limhing conditions spec'rfied in this form. 4. I have no preserrt or prospective irderest in the property that is the subject to 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 the estimate of market value in the appraisal report on the race, color, religion, sex, 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. 5. I have no present or contemplated future irderest in the subject property, and neither my currertt or future employment nor my compensation for performing this appraisal is contngem on the appraised value of the property. 6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party, the amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent eveni in order to receive my compensation and/or employment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation, a specific valuation, or the need to approve a specific mortgage loan. 7. I pertormed this appraisal in conformhy with the Unhorm Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the effective date of this appraisal, with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable time for exposure in the open market is a condition in the definition of market value and the estimate I developed is consisterd with the marketing time noted in the neighborhood section of this report, unless I have otherwise stated in the reconciliation section, 8. I have personally inspected the interior and exterior areas of the subject property and the exterior of all properties listed as comparables in the appraisal report. I further certrfy that I have noted any apparent or known adverse conditions in the subject improvements, on the subject site, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustmerds for these adverse conditions in my analysis of the property value to the extent that I had market evidence to support them. I have also commented about the effect of the adverse conditions on the marketability of the subject property. 9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on sign'rficant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal report, I have named such individual(s) and disclosed the spechic tasks pertormed by them in the reconciliation section of this appraisal report. I cert'rfy that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in the report; therefore, if an unauthorized change is made to the appraisal report, I will take no responsibility for h. SUPERVISORY APPRAISER'S CERTIFICATION: tt a supervisory appraiser signed the appraisal report, he or she certifies and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's cert'rfications numbered 4 through 7 above, and am taking full responsibility for the appraisal and the appraisal report. ADDRESS OF PROPERTY APPRAISED: NEW LANCASTER VALLEY MILROY PA 6823 APPRAISER: ~ SUPERVISORY APPRAISER (only if required): Signature: i~~ ~/"~~~ Signature: Name: ROBERT L BA~ a Name: Date Signed: 11/4/2008 Date Signed: State Certification #: GA 1070 State Certification #: or State License #: or State License #: State: PA State: Expiration Date of Certification or License: 06/30/2009 Expiration Date of Certification or License: ~ Did ^ Did Not Inspect Property Freddie Mac Form 439 6.93 Page 2 of 2 Fannie Mae Form 10048 6-93 Form ACR - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Location Map Bortower/CIieM WRIGHT ESTATE Pro Address NEW LANCASTER VALLEY C' MILROY Coun MIFFLIN State PA Zi Code Lender ~'„', .. ~Lau.ahen a la mode, {f1C. ~ . o,;e v ~ 148 1 ^vian Iran Laurel Park V ~RS ruc.~ rukbn ~wy Farmers t, iIL' ~ Penn Hatl burn '.•Veikenc PardeE o- Greenbrier ~' CEnlre Hxll SPring Po11ns Zerbt• W_nr. `.+,zw Ingiztg ~ - ~' -- Bea•+erdam - , Uld Ferl ' Poe _ 12351 Q,d valley - Cenlre Hili State ' - Park ~ ~" Tn;rel:~flE Lo.:dse l+re-az - ~~ '.asy_e~_~ ~Fattets A•1111s ~ ,o~ \. 6enser F:uittonn ~. - -. ` ',i - GSiddiE Creek sy " Beaver Beaven _~""~ ~ ~ ~Springs:~ L \V -"A N 1 A ~ i:rnssgrove ~-~ Siolervilk: ~ ner:dle .. - Idl Pleasant Cw Raubs P.Sills ~~ t a n Kn Idount Pkaasani 11. . 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