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Home My WebLink About08-05-09J 1505607120 REV-1500 ~( (06-05) OFFICIAL USE ONLY PA Department of Revenue county code Year File Number Bureau of Individual Taxes INHERITANCE TAX RETURN 2 1 0 7 1113 PO BOX.280601 Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 025 14 3391 10 22 2007 08 15 1924 Decedent's Last Name Suffix Decedent's First Name MI SMITH MURIEL (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW 1. Original Return ~ 2. Supplemental Return : 3. Remainder Return (date of death prior to 12-13-62) 4. Limited Estate ', qa, Future Interest Compromise '--' S. Federal Estate Tax Return Required (date of death after 12-12-82) - X g Decedent Died Testate ~ ~ Decedent Maintained a Living Trust 0 -- (Attach Copy of Will) - (Attach Copy of Trusl) $~ Total Number of Safe Deposit Boxes 9. Litigation Proceeds Received 1D, Spousal Poverty Credit (date of death --- 11,Election to tax under Sec. 9113(A) - between 12-31-91 and 1-1-95) -- (gttach SCh. 0) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED T0: Name Daytime Telephone Number AMY M. MOYA 717 652 7323 Firm Name (If Applicable) LAW OFFICES OF SUSAN E. LEDERER First line of address 5011 LOCUST LANE Second line of address City or Post Office HARRISBURG State ZIP Code PA 17109 REGISTE~WILLS l~ ON4Y :~ ~ ~ ... -t~ -)- ~~ c-~ ?> r- ~ - - - f T ) :: i:J C.i'7 _ "~ t „ ~7 ---f ~ .. .. ~1TE FILED i Correspondent'se-mail address: Amy@LedererlaW.COm Under penalties of perjury, 1 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 representatrve Is based on all information of which preparer has any knowledge. vu n~nn me n ~ ,~GU[.~Glep ~,(~Q~ "~/ ~~ ~ Wendy Karen Smith ADDRESS r 320 Prowell Drive, Camp Hill, PA 17011 GI~, ATURE pF~ ~REP~I~ER OTHER THAN REPRESENTATIVE Amy M. Moya ATE ~~~/o 5011 Locust Lane, Harrisburg, PA 17109 Side 1 1505607120 1505607120 J 1505607220 REV-1500 EX Decedent's Social Security Number Decedent's Name: M U r i e I Smith 0 2 5 14 3 3 91 _ _ - RECAPITULATION - ____ 145,000.00 1. Real Estate (Schedule A) ............................................................._..................... ... 1. 2. Stocks and Bonds (Schedule B) ..............................__............................._........... .. 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C)....... ... 3. 4. Mortgages ~ Notes Receivable (Schedule D) .............................._....................... ... 4. 5 2,380.50 . Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ............. ... 5. 6. Jointly Owned Property (Schedule F) Separate Billing Requested ........... .. 6. 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) Separate Billing Requested ........... .. 7. 8. Total Gross Assets (total Lines 1-7) ............................._..................................... . g. 1 4 7, 3 8 0 5 0 2,277.00 9. Funeral Expenses & Administrative Costs (Schedule H) ...................... .......... . 9. 10. Debts of Decedent, Mortgage Liabilities, 8~ Liens (Schedule I) ............................ .... 10. 11. Total Deductions (total Lines 9 8~ 10) ............................................................ . - ~ • 11. 2 , 2 7 7 0 0 12. Net Value of Estate (Line 8 minus Line 11) ..............................__........................ ... 12. 145,103.50 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made (Schedule J) ............................................ .. 13. 14. Net Value Subject to Tax (Line 12 minus Line 13) ................................. ........... .. 14. 1 4 5 , 1 0 3 5 0 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) x .o0 0 0 0 15. 0 0 0 16. Amount of Line 14 taxable at lineal rate x .045 14 5, 1 0 3. 5 0 1 s. 6, 5 2 9. 6 6 17. Amount of Line 14 taxable at sibling rate X .12 0 0 0 17. 0 0 0 18. Amount of Line 14 taxable at collateral rate X .15 0 0 0 18. 0 0 0 19. Tax Due .............................................................. _ ................ .. 19. 6, 5 2 9 6 6 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. Side 2 1505607220 15056D722D REV-1500 EX Page 3 Decedent's Complete Address: File Number 21-07-1113 DECEDENT'S NAME Muriel Smith STREET ADDRESS - _ - 101 Maple Avenue - -- - _ _ CITY i-STATE ZIP Camp H(II PA 17011 Tax Payments and Credits: 1. Tax Due (Page 1 Line 19) (1) 6,529.66 2. Credits/Payments - _ A. Spousal Poverty Credit B. Prior Payments __ __ C. Discount Total Credits (A + B + C) 3. InterestlPenalty if applicable (2) _ ____ p. Interest ___ E. Penalty Total InteresUPenalty (D + E) (3) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is theOVERPAYMENT _ (4) _ - Check box on Page 2 Line 20 to request arefund - -- 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is theTAX DUE (5) 6,529.66 A. Enter the interest on the tax due. _ (5A) __ B. Enter the total of Line 5 + 5A. This is theBALANCE DUE (5B) s, 5 2 9.6 6 Make Check Payable to: REGISTER OF WILLS, AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred :............................................................................. x b. retain the right to designate who shall use the property transferred or its income :................................ x _- c. retain a reversionary interest; or ..............................._..........................................................__................ x _-- receive t e promise for life of either payments, benefits or care? ........................................................... x 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? ............................................................. . x 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death?......... ~x 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? .............................. x IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is three (3) percent [72 P.S. §9116 (a) (1.1) (i)]. For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero (0) percent [72 P.S. §9116 (a) (1.1) (ii)]. The statutedoes 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 the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent (72 P.S. §9116 (a) (1.3)]. A sibling is defined under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. Rev-1502 EX+ (6-98j SCHEDULE A REAL ESTATE COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF (FILE NUMBER Smith, Muriel 21-07-1113 All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither being wmpelled to buy or sell, both having reasonable knowledge of the relevant facts. Real property which is jointly-owned with right of survivorship must be disclosed on schedule F. Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 ScheduleA (Rev. 6-98) (It more space is needed, additional pages of the same size) Rev-1508 EX+ (8.96) SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF (FILE NUMBER Smith, Muriel 21-07-1113 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the right of survivorship must be disclosed on schedule F. (Ir more space is needed, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule E (Rev. 6-98) REV-1151 EX+(12-99) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER Smith, Muriel 21-07-1113 Debts of decedent must be reported on Schedule I. ITEM DESCRIPTION AMOUNT NUMBER A. FUNERAL EXPENSES: Headstone engraving 525.00 B. 1 ADMINISTRATIVE COSTS: Personal Representative's Commissions Social Security Number(s) / EIN Number of Personal Representative(s): Street Address City State Zip Year(s) Commission paid 2. ~ Attorney's Fees 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 Decedent 4. I Probate Fees 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. Other Administrative Costs 1,752.00 See continuation schedule(s) attached TOTAL (Also enter on line 9, Recapitulation) 2,277.00 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H (Rev. 6-98) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Smith, Muriel 21-07-1113 ITEM NUMBER DESCRIPTION AMOUNT 1 Fahnestock Auction Service (expenses from auction) 1,372.00 2 Kopenhaver Appraisals (real estate appraisal) 350.00 3 Register of Wills (filing fee for Supplemental Inheritance Tax Return and Inventory) 30.00 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H (Rev. 6-98) REV-1513 EX+ (9-00) SCHEDULE J COM N~ERWTANCE~AXRETURNANIA BENEFICIARIES RESIDENT DECEDENT ESTATE OF FILE NUMBER 5mltn, Muriel 21-07-11 13 NUMBER NAME AND ADDRESS OF RELATIONSHIP TO DECEDENT SHARE OF ESTATE AMOUNT OF ESTATE PERSON(S) RECEIVING PROPERTY Do Not List Trustee s (Words) ($$$) I~ TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under Sec. 9116(a)(1.2)] 1 Wendy Karen Smith Daughter 72,551.75 320 Prowell Drive Camp Hill, PA 17011 2 Holly Jan Smith Daughter 36,275.87 46 Rue Marte 92110 Clinchy France 3 Corey David Smith Son 36,275.88 46 Burr Road Higganum, CT 06441 Total 145,103.50 Enter dollar amounts for distributions shown above on lines 15 through 18, as approp riate, on Rev 1500 cov er sheet II. NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART II- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET 0.00 Copyright (c) 2002 form software only The Lackner Group, tnc. Form PA-1500 Schedule) (Rev. 6-98) i~a~ ~. THIS DEED, ~c~~e d~,tt~ A , ~ +-~,.,-. ~vice.~ ~o-ai-an~_ins MADE THE 3C~ day of ~u~Q, in the year of our Lord one thousand nine hundred ninety seven (1997) BETWEEN MICHAEL S. SLEBODNIK and TRISANN M. SLEBODNIK, husband and wife, Grantors and MURIEL SMITH, Grantee WITNESSETFi, that in consideratior. of EIGHTY-SEVEN THOUSAND THREE HUNDRED SEVENTY-ONE AND 00/100-------------- Dollars, in hand paid, the receipt whereof is hereby71.00) acknowledged, the said grantors do hereby grant and convey to the said grantEe, ALL THAT CERTAIN tract or parcel of land and premises, situate, lying and being in the Township of Hampden, in the County of Cumberland and Commonwealth of Pennsylvania, more particularly described as follows: BEC=TNNTNG at a point in the southeast corner of the intersection of Maple Avenue and Green Street; thence southwardly along the eastern line of Maple Avenue 80 feet to a point in the northern Line of Lot No. 38 on the hereinafter mentioned Plan of Lots; thence eastwardly along the northern line of Lot No_ 38, 150 feet to a point; thence northwardly, parallel with D7aple Avenue 80 feet to a point in the southern line of Green Street; thence westwardly along the southern line of Green Street, 150 feet to a point, the .place of BEGINNING. F3EINC3 LOT N0. 39 on the revised plan of. Ma le Avenue, Oakwood Park, as recorded in Plar_ Book 3, Wage 52, CL,m~erland County Records. ~ ~, HAVING thereon dwelling ]~;nown and P.+~IIS13~ ~,~~, ,..•v yy~~,,,a ~•, 11 Nrl .'a: T ~ ~i:i C .~ LL+ ti "1 1_Y ; 'i 1 w1 'T'1 1, I r•;,- cI:C ii:: ct~ } r•~•I 7,~ I + ~'~ ~~ r•- Ill Y,•.•J C••.:1 Ly wC. C_•i ~: ,'I -q L..y yy. b.. _.J u.. r:r~ Z~. --i "rJ i'r7 ('I'1 ~,•~ •P, P.1• ti4•i •,2y .',~ is =•,:t c•J [,rt ca:; c!;1 :.;i c.n c„n erected a single family stone ranch type numbered as 101 Maple Avenue, ~' Camp Hill, 7 grGN7 41.1 _'~" 7 ;sTl. • ~_,S tlC: :' ; LT rd C.1~ .tiFI + i 're 1--~ •~ r L;. 1 i .. 'Y9 ~ ::A i..4. n ~ : k! h•.1 >n r~l -q ~ r- •" ~ 1~~ •°•Cf ~~ 1a I ~i J r•.] YSJ rI. r•= ~ ~ i~ ~.,, ~ ~, 1 ~ yx~ X~f ~~jj 1 ry Ij,/ 'Ti ~OCI~ ~W~ ~/l~L ~}y. y/y ~ ._S , 1,] V 1 ~ ~'~i ~ R' ~ r•,~ ~. r_n rn. t I • ~ /fit ~' ~;'• I "T}~.. '-f C' (.1 i i I• .{ ~ to i (P :: 7 -n x> UNDER AND SUBJECT to the same rights, privileges, agreements, rigY~ts-of-way, easements, conditions, exceptions, restrictions, and reservations as exist by virtue of prior recorded instruments, plans, deeds of conveyances or visible on the ground. BEING THE SAME PREMISES which Michael S. Slebodnik and Trisann M. Deimler, joint tenants with right of surviorship, by Deed dated January 13, 1993 and recorded June 1, 1993 in the Recorder of Deeds Office in and for Cumberland County, Pennsylvania, in Deed Book 36-H, Page 911,~granted and conveyed unto Michael S. Slebodnik and Trisann M. Slebodnikc, husband and wife, tenants by the entireties, grantors herein. And the said grantors hereby covenant and agree that they will warrant specially the property rereby conveyed. 2N WITNESS WHEREOF, said grantors have hereunto set their hands and seals the day and year first above written. Signed, Sealed and Delivered in the Presence of M CHA S.~SL BODNIK ~ Q ~~~ ~~_ ' / TRISANN M. SLEBO NIK STATE OF PrENNSYLVAN'IA -r COUNTY OF `~•CM;~QIIL!!~ SS On this, L-he 3(~-'~ day of ~.- undersigned officer, ~ 1997; before me, the personally appeared MICHAEL S. SLEBODNIK and TRISANN M. SLEBODNIK known to me (or satisfactoril the persons whose names are subscribed to the withinpinstrumentbe and acknowledged that trey executed same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and offic;ai ~o~, ,tan saylassri Notary Public bdmpdan 7'wp., Cumberland Countyy My Ap-nnlia~ion f~xpirtls May 28, X001 M~In fir, Pain@~YAnIN ~a~tiClaflon at Notaries ~~CUR~D LANG TRANSFcR:, INC. $OUK 3`?U -'AGE J7Fj ~.-//5/~l.- ~a I do 1lereby certify that the precise residence and complete post office address of the within grantee is: !o ~P~ ~-~c~~ccQ.~ - ~L.~l'LQ d 19 9 7 . ~~kr1 P ~~~1~ ~~ lr1U(1 Agent for COMMONWEA TH OF PENNSYLVANIA: COUNTY OF ~ SS. :~, ~~~, RECORDED on this ~ day of ~.~~ Recorder's office of the said Count~}r `~'D' 1997, in the Vol .t page ~•~-~-~ in Deed Book -_._._ , Givers under my hand and seal of they aid office, the date above written. - Recorder ~~~~ ~~ i'a~~ 5~7 E.J. Koppenhaver FROM: Ed Koppenhaver Appraisals 2116 Southpoint Drive Suite B Hummelstown, PA 17036 Telephone Number: 717-583-0306 Fax Number. 717-583-0294 n ~ I ~ INVOICE INYOICE NUMBER 090417Ar DATE:: 5-6-2009 fiEFERENCE Mtemal Order X: 090417Ar lender Case M: 090417Ar Client Fik rM: 090417Ar Main Flk M on form: 090417Ar Other Fie 8 on form: 090417Ar Federal Tax W: 25-1718810 EmpkrYer ID: 1g1-46-4g7g T0: Private Appraisal Tekpiwne Number: Fax Number. Aaernate Number. E-Mail: DESCRIPTION' - Lender: Private Appraisal Client: Purchaser/Borrower: Muriel Smith Estate of Property Address: 101 Maple Avenue City: Camp Hill County: Cumberland State: PA Zip: 17011-4121 Legal Desuiptlon: Deed Book 160, Page 575 FEES_ AMOUNT Conventbnal URAR 350.00 SUBTOTAL ~ 350.00 PAYMENTS. ~ AMOUNT": Check#:151 Date: 4/18!2009 Descriptlon: Psecu Check H: Date: Description: 350.00 Check N: Date: Descrption: SUBTOTAL ~ 3so.oo TOTAL DUE S D Please flaum This PoNOn Nah Yar Payment - - - FROM: AMOUNT DUE: ; Private Appraisal AMOUNT ENCLOSED: ; ___ INVOICE NUAIBI.R" __ 090417Ar Telephone Number. DATE` Fax Number. Alkmab Number. E_MaB: 5-6-2009 REFERENCE T0: Inkmal Order p: 090417Ar Ed Leader Case k: 090417Ar Koppenhaver Appraisals CikntF'de B: 090417Ar 2116 Southpoint Drive Man Flk M on form: 090417Ar Suite B Other F9e M on form: 090417Ar Hummelstown, PA 17036 FederaliaXlD: 25.1718810 Empbyer ID: 191-46-4978 Form NIV1 -'WinTOTAL' appraisal software by a la mode, Inc. -1.800-ALAMODE 7Ar RESIDENTIAL APPRAISAL REPORT Property Locatlon: 101 Maple Avenue Deed Book 160, Page 575 Camp Hill, PA 1701 t-4121 BorroWec Muriel Smith Estate of C~lertt: Private Appraisal Effec~ve Date: 10.22.2007 Prepared By: Rick Sellars, PA Cert. Res RE Appraiser 2116 Southpoint Drive Suite B Hummelstown, PA 17036 Farm GA7 - "WInTOTAL• appraisal software by a la mode, inc. -1.800-ALAMODE E.J. Koppenhaver .090 7Ar Pa Koppenhaver Appraisals 2116 Southpoint Drive Suite B Hummelstown, PA 17036 Phone; 717.583.0306 Private Appraisal Re: Property: 101 Maple Avenue Camp Hill, PA 17011-4121 Borrower. Muriel Smith Estate of File No.: 090417Ar In accordance with your request, we have appraised the above referenced property. The report of that appraisal is attached. The purpose of this appraisal is to estimate the market value of the property described in this appraisal report, as improved, in unencumbered fee simple title of ownership. This report is based on a physical anaysls of the she and improvements, a locational anaysls of the neighborhood and city, and an economic analysts of the market for properties such as the subject. The appraisal was developed and the report was prepared in accordancee with the Unrform Standards of Professanal Appraisal Practice. The value conclusions reported are as of the effective date stated in the body of the report and contingent upon the certification and limiting conditions attached. It has been a pleasure to assist you. Please do not hesitate to contact me or any of my staff if we can be of additional seMce to you. Sincerey, Rick S , E.J. KoppeMaver ~le . 09 Pa Summary Appraisal Report osoal7Ar ProoeMDesedotron UNIFORM RESIDENTIAL APPRAISAL REPORT FileNO oso417Ar nu ai iu,wcss w i ma ie rwenue Ci Cam Hill State PA L Code 17011-4121 L al Descri lion Deed Book 160 Pa a 575 Coun Cumberland Asses r' Parcel No. 10-21-0277-175 lax Y r 2009 fl.E. Taxe 1 962.33 S ci8 Ass sments NlA Borrower Muriel Smith Estate of Current Owner Muriel Smith Estate of Occu ant: Owner Tenant Vacant Pro d tds a raised Fee Si ie Leasehold Pro eCt T e PUD Condomirtlum HUDNA on HOA S NIA Into, ' Nei hborhood or Pro t Name Ham den Townshi Ma Reference 6 CoMetro 2847 F 3 Census Tract 0113.04 Sale Price NIA Date of Sak NIA D cd 'on and nt char tins ro be aid ller N/A Lender sent Private sisal Address A aiser Rick Sellars PA Cert. Res RE raiser Ad resS 2116 So uth Dint Drive Suite B, Hummelstown, PA 17036 Location Urban Suburban Rural Predominant S 'urgk tam ly h AGEg ' present land use % land use change Buln up ®Over 75% ^ 25-75% ^ Under 25% occupancy R ( NN~;;tt) (yrs) ~ One tamity 80 ®Not likety ^ LikEty Growth rate ^ Rapid ®S1aDle ^ Sow ®Ihvner 125 Low 30 2.4 family ^ In process Property values ^ Increasing ®Stable ^ DecliMrg ^ Tenant 300 Hi h 7D Mutti-family To: Demand/suppry ^ Shortage ®kt balance ^ Over soppy ®Vacant (0-5%) Predominant Commercial 20 rketi time Under 3 m s. 3-6 ras. Over 6 s. Vac. t75 50t- Note: Naea and the racial compositloe of the naiyhhorhood ores not appraisal factors. Neighborhood boundaries and characteristics: MSA# 3240. The ne' hborhood is bounded on the east b S. 35th St., on the west b St. Johns Church Rd. on the north b Market St. on the south b Trindle Rd. Factors that affect the marketability of the properties in the rxtightwrhood (proximity to employrtrent and amenities, empbyment stability, appeal ~ market, etc.): The sub ect is boated in Ham den Townshi Cumberland Coun PA. The ne hborhood consists of a com allots mix of most) 40 to 50 ar old detached 1 and 2 sto homes of va uali intermixed with some commercial establishments on the iri a of the ne' hborhood . All amenities are convenient to the sub'ect r e Market conditions in the subject neighborhood (Including support for the above conclusions related to the trend of property values, demand/supply, and marketing time -- such as data on competitive properties for sale In ttre neighborhood, description of the prevalatce of sales and financing cancessbns, etc.): General marketi conditions in the area are rated as avers a as the date of this a sisal. T foal loan discounts in the area are one to three ints and are eeeral aid b the bu er with no artici ation from the seller. Project Information fa PUDs inapplicable) - - Is the devdmper/builder in control of the Home Owners' Assoclatbn (HOA)? Yes No Approximate total number of units in the subject project Approximate total number or orals for sale in the subject project Describe common elements and recreational facilities: Dimensions Per Count Records Topography Basical Level Slte area 0.28 Acres Corner Lot ®Yes ^ No Site Avers e Specific zoning classification and description R S /Residential Suburban Shape Rectan ular ZoNng compliance ®Legal ^ Legal nonconlorrtlng (Grandiathered use) ^ Illegal ^ No toning Drainage Ade oats Hi hes18 b t se im r ed: Present use Use alt lain View Aver Uhldks Public Ogler Olf-site Improvements Type Poblic Private Electricit ® a e Landscaping Avers e y Street Asphalt ® ^ GaS ^ None Driveway Surface As halt Curb/gutier Concrete ® ^ Water ® Apparent easements None A arent Sidewalk Concrete ® ^ Sanitary sewer ® FEMA Spec(al Flood Hazard Area ^ Yes ®No Street tights Incandescent ® ^ lormsewer FEMA Zone X Map Date 3I16I20o9 All None Comments (apparera adverse easements, encroachmems, specbl assessments, stlde areas, illegal or legal rionCOnibr FEMAMa Np. 42041C0277E ming zoning use, etc.): GENERAL DESCRIPTION El(TERIOR DESCRIPTION FOUNDATION BASEMENT INSULATION No. of Unls 1 foundation Concrete Slab 100% Area Sq FL Sl b R f No. of Stories One Exterior Walls Stone/Av . Crawl Space N/A . a % Fldshed NIA oo _ ^ C Type (DetJAtt.) Detached Roof Surface As haltShi /Av Basement N/A Ceiling N/A dling ^ W ll Design (Style) Ranch Gutters d Dwnspts. Aluminum/Av . Sump Pump N/A Walls N/A a s ^ Fl F.toslirxJ/Proposed Existi Window Type Double Hu Av Darr~ness N!A Fbor N/A oor ^ None ^ Age (Yrs.) 54 StorNScreens Yes Setnement NIA Outside Ent N/A Effective A e rs. 25 Manufactured rouse No Infestation NIA ry Unknown - ROOMS Basement Fo er ivi 'ra Kitchen Oen Fami Rm. Rec. Rm. r o # Baths Laund Other Ara . Ft. Levell 1 1 1 Slab Level 2 3 1 1 Flnished area above rode contains: INTERIOR Materials/Condition 6 Rooms HEATING 3 Bedroom s ~ 1 Bat h s ~ 1,286 S ware Feet of Gross Livin Area Fbors Car et/Vin A TypC HI um ImTCHEN EQUIP. RGrigeratar ® ATTIC N ^ AMENITIES CAR STDRAGE: Ovals D alUAV . fuel Elec Ra11gPJUYen ® ane Stairs ^ Flreplace(s) #^ 1 ^ None ^ TrirryFlnish C l i Patio ^ Garage # of cars o on allAv . Condition A Disposal ^ Dro Stair ^ ,_ D Bath Fbor Vinyl/Avo COOLING p eck ^ Attached Storage . Bath Wainscot C-Tile/Av . Central Yes Dishwastx;r ® FarVHaod ® Scuttle ® Fb Porch Screened ® Detached Doors LuaNA Other N/A Microwave ^ or ^ H Fence ^ Buiti-in eated ^ Pool , ^ Ca ort ~ Additional features (special energy efficient it Condition Av . ems, etc.): Thermo Washer er one windows, ne FlNshed wer heat um Drivewa 1 Car Condition of the improvements, depreciation (physical, functional, and external), repairs needed, quality of construction renwdelin ladditions etc Th , g , .: ere is no economic or functional obsolescence. '• This a sisal is made as of 10-22-2007 or date of death. Accordi to the executrix of the estate there was some roblems wdh the roof fla hi s and there were somes leaks. The floor cover'In s were old and dated and the home was in need of a ood deal of cosemetic u datin . •• Adverse environmental wnditions (such as, but not tlmited to, hazardous wastes, toxic substances etc ) preseld In the improvements o th it , . , n e s e, or in the immediate vicinity of the subject property.; There were no apparent adverse or hazardous condhions observed at the time of ins ection, Freddie Mac Form 70 6/93 PAGE 1 OF 2 Fannie Mae Form 1004 fV93 F(xm UA2 - "WinTOTAI' appraisal software by a W mode, Inc. -1-B00-ALAMODE Ile No 090477Ar Paa_e #4 UNIFORM RESIIIFNTIAI APPRAICAI RFDf1QT 090417Ar Valuation GMinn ESTIMATED SITE VALUE ........... ............................ ..... _ $ N!A Commerds on Cost Approach (such as, source of cost estimate, site value ESTIMATED REPRODUCTION COST-NEW-OF IMPROVEMENTS: , square loot cakuWtion and for MUD, VA and FmHA, dre estimated remaining Dwelirx,) 1.286 Sq. FI. @$ _ $ economic life of the propertyJ: The wst a roach was considered Slab Sq. Ft. @$ = and deemed to be an ina ro riate indicator of value in [his = a raisal Estimated remaini economic 1'de is e ti t d t b Garage/Carport Sq. Ft @$ - . s ma e o e 35 ears. Total Estimated Cast New ............................._ $ Less Physical Functional External Depreciation ~ ~ _$ Depreciated Value of Improvements ................. _............ =S `As-Is' Value at Site Improvemends ......................--......... =S NDICATEDVALUEBYt:OSTAPPROACH ............................ _$ ITEM SUBJECT COMPARABLEN0.1 COMPARABLEN0.2 COMPARABLE N0.3 101 Maple Avenue 3543 Chestnut Street 3800 Vine SVaet 4004 Chestnut Street Address Cam Hill Cam HIII Cam Hill Cam Hill Pre>ami to Sub'ect 0.68 miles E 0.45 miles E 0.20 miles NE Sales Price N/A 137 900 $ 153 900 $ 159 000 Pric Gro s Uvi Area ~ 97.66 ~ 166.38 ~ 123.45 ~ Data arxl/or Inspection on MLS MLS MLS Verification Source 4-18-2009 Count Records Coun Records Coun Records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad'ust. DESCRIPTION + - S Ad' sl. DESCRIPTION + - S A ' sl Sales or Fnancirg `' Conv114 DOM Conv/54 DOM Conv/7 DOM Concessions CH $ 5000 0 CH $ 2,000 CH None Date of Sal ime 6-7-2007 7-19-2007 10-6-2006 Location Avera a Avera a AVera a Avere e Leasehold ee Sim le Fee Sim le Fee Sim le Fee Sim le Fee Sim le Site 0.28 Acres 0.17 Acres 0.18 Acres 0.17 Acres View Aver a Avera a Avera a Avera e Desi n and A eat Ranch Ranch Ranch Ranch Ouali of Construction StonelA Vin IlA +2 000 Brick/A gr~k/A , A e 54 59 57 45 Condition Avera a SI' htl Su erior ~ -5,000 S rior ~ -15 000 Sli htl Su erior ~ -5 000 Above Grade To I ~ Bdrms~ Baths T tat ~Bdnns ~ aths ~ Total ~Bdrms ~ Ba s ~ , Total ~Bdrms ~ Bath Room Count 6 ~ 3 ~ 1 6 ~ 3 ~ 1 ~ 4 ~ 2 1 ~ s 6 ~ 3 ~ t 5 ~ 1 5 Gross Livi Area 1,286 . Ft. 1 412 S . Ft. ~ -2 500 925 5 . Ft. ~ +7 200 . - , 00 1 288 S Ft Basement & Finished Slab Slab Slab . 100% / 50% -6 000 Roams Below Grade N/A N!A N/A , 500+= Finished -5 ODO Functional UDIi Avera a Avera a Avera a Avera e ' Heati odi Heat um GFWAICentral OFWNCentral OHW/None +3 000 Ener Efficient Reins Thermo ones Some Thermo +1 000 Thermo anes Thermo ones Gara Car rt Off StreeVStore Off Street +3 000 Off Street +3 000 Off Streetcar rt Porch, Patio, Deck, ScreenPorch Patio +1,500 Porch/Patb 2 Porches Fr laces etc. 1 Fire lace 1 Fire lace 1 Fire lace None +1 000 Fence Pool etc. None None Nona None None None None None ' Net Ad . total + - : $ + - -4,800 + - -13 500 Adjusted Sales Price Net - " % . Net 3.1 % Net $.5 X oI Com arable Grass 10.9 % 137 900 Gross 16.4 % $ 149 100 Gross -13.5 % $ 145 500 , Comments on Sales Comparison (including the subject property's compatibility to the neighborhood, etc.): The sub ect roe is a older stone ranch that was in need of some u dati located in a desireable nei hborhood in Ham den Townshi . At one time there was a 1 car are a that is now a ' stora a and util room. All of the coin ambles were ranch homes located in cbse roximl to the sub'ect ro in Ham den Townshi . These coin ambles establish a ran a of value for the sub ect roe ITEM SUBJECT COMPARABLE N0. t COMPARABLE N0.2 COMPARABLE N0 3 . Date, Price and Data None In Last None In Last 5-2-2007 None In Last Source, for prior sales 36 Months 12 Months $ 100,000 12 Months within ear of a raisal Coun Records Coun Records Coun Records Coun Records Analysis of any current agreement of sale, option, or listing or subject property and analysis of any prior sales of subject and camparabtes within one year of the date at a raisal: pp There is current) no reement of sale ndln on the sub ect ro INDICATED VALUE BY SALESCONPARISONAPPROACN .-.,,..,.. $ 145,000 INDICATED VALUE BY INCOME APPROACH d A licable EsBmated Market Rent $ x Gross ReM Muni tier N/A TNs appraisal Is made •as is' subject to the repairs, aRerallons, InspeGtionS or conditions listed below suDjeol to completion per plans 6 Specllica0on5 . Conoieons of Appralsai: This a ralsat Is made In - A5 1S ' conaRlon. 7Ttt; attached atltlentla are made an Inte rat art oT tills a raisal. Foal Reconciliation: The direct sale coin orison a roach is considered to be the most accurate mettwd of achievin fair market value . Insufficient data was available to develo the income a roach. unauthorized than es to this a raisal after R has been si ned will void the a raisal. The purpose of this appraisal is to estimate the market value of Ne real property Brat is the subject of this report, based an the above wnditions and the certification contin ent , g and Iimitirg conditions, and market value definiUan that are stated in the altactletl Freddie Mac Form 4391FNMA form 10048 (Revised 6/93 ). I (WE) ESTIMATE THE MARKET YAWE, AS DEFNED, OF THE REALPROPERTY THAT IS THE SUBJECT OF THIS REPORT AS OF , 10-22-2007 (WHICH IS THE DAT SPECTKIN E EFFECTIVE DATE OF THIS REPORT) TO BE $ 145 000 APPRAISER' SUPERVISORY APPRASER (ONLY IF REOURiEDJ: Si naWre S~i~nalure Name Rick Sell E I ^ Did ^ Did Not Date Re rt Si ned Ma 07, 2009 Name Inspect Property Date Report 5ien d e State Certification # RL001908L State PA State Certification # State Or State License # State Or State License # Fr State eddie Mac Form 70 6/93 ""` ` "r ~ Famie Mae Porn 1004 G93 Form UA2 -'WinTOTAL' appraisal software by a Ya mode, inc. - t-800-ALAMODE MULTI-PURPOSE SUPPLEMENTAL ADDENDUM FOR FEDERALLY RELATED TRANSACTIONS E.J. KoooeMraver Fil No 417Ar Paae #~ Borrower/Clent Muriel Smith Estate of Pro a Address t01 Ma le Avenue Ci Cam Hill Cou Cumberland State PA Zi Code 17011-4121 Lender Private sisal This Mufti-Purpose Supplemental Addendum for Fedenalty Related Transactions was designed to provide the appraiser with a converierv way to comply whh the current appraisal standards and requirematts of the Federal Deposit Itsurance Corporadon (FDIC), the Office of the Comptroller of Currency (OCC), The Office of Tfxitt Supervision (OTS), the Resoludan Trust Coryoration (RTC), and the Federal Reserve. I This Multi-Purpose Supplemental Addendum Is far use with any appraisal. Only those I statements which bars been checked by the appraiser apply to the property being appraised. ® PURPOSE & FUNCTION OF APPRAISAL The purpose of the appraisal is to estimate the market value of the subject property as defined herein. The funcDon of the appraisal is to assist gleabove-named Lender In evaluating the subject property for lending purposes. This Is a federalry related iransaCtlon. ® EXTENT OF APPRAISAL PROCESS ® The appraisal is based on the information gathered by the appraiser from public records, other identified sources, Inspection of the subject property and neighborhood, and selection of comparable sales witldn the subject market area. The original source of the cortgarables is shown in the Data Source section of the market grid along with the source of contirmadon,l available. The original sorlrce is preserved first. The sources and data are considered reliable. When conflicgng information was provided, the source deemed most reliable has been used. Data believed to De unrelabk was not included in the report nor used as a basis for the value conclusion. ® The Repmducbon Cost Is based on Marshall and Swift Valuatbn Service and Local Market Values supplemented by the appraiser's knowledge of the local market ® Ptrysical depreciation is Dosed an the estimated ettecdve age of tla subject property. FIrlcDanal and/or external depreciation,rf present, is speciticalty addressed in the appraisal report ar other addenda. In estimating the site value, the appraiser has relied an personal knowledge of the local market. This knowledge is based on prior and/or currerv analysis of site sales and/or abstractlon of site values from sales of improved properges. ® The subject property is located in an area of prtmadtyowner-occupied single (amity residences and rite Income Approach is not considered to be meaningful. For this reason, the Income Approach was rat used. ^ The Estimated Market Rent and Gross Rent Multplier utllized in the Income Approach are based on the appraiser's knowledge of the subject market area. The rerval knowledge is based on prior and/or current rectal rate surveys of residential properties. The Gross Rent Multiplier is based on prior and/or current anaysis of prices and market rates for residendal properties. ® For Income producing properties, actual rents, vacancies and expenses have been to rted and an zed. Pa sty They have been used to project future rents, vacancies and expenses. ® SUBJECT PROPERTY OFFERING INFORMATION According to MLS Records the subject property: ® has not been unwed for sale in the past: ^ 30 days ^ 1 year ®3 years. ^ Is currently offered for sale for S ^ was offered for sale within the past: ^ 3p days ^ 1 year ^ 3 years tar S ^ Offering information wac neiMred in yle final reconcilation of value. ^ Offering information was not considered in the final reconciliation of value. ^ Ottering Information was not availab~i ,The reasons for unavailablllty and me steps taken by the appraiser are explained later in this addendum. ® SALES HISTOR1f OF SUBJECT PROPERTY According to Cumberland Co Tax Assessment Office the sub ect o I W PertY ® Has not transferred ^ in the past twelve montlu. ^ in the past thirty-six months. ®In the past 5 years. ^ Has iransterred ^ in the past lweke narlths. ^ in the past thirty-six months. ^ in the past 5 years. ® All prior cabs which have occurred in the oast 5 are Icrerl r,ei~u, ~„n .~,•,,,,,.,~~ ... ~.,..,.._..:__..._,.._ ~__ ,_ .. _ ... ... • -- ----- ---•• -•- •-....~„V„ ,.. uF opy,awcu ramc, omroi m use Quay or me repon ar m the addenda Data Sales Prtee Document rM Seller eu er . . FFa1A CI nun u~~~n.. .. • ~•••~ nwLMIIY YA 1 A ® Subject property is not bested in a FEMA Special Flood Hazard Area. ^ Subject property (s located in a FEMA Special flood Hazard Area. Zone FEMA Map/Panel # Map pate Name of Community X 42041C0277E 3!16/2009 Ham den Townshi ^ The community does not partiriioate in the National Flood Insurance Program. ® The community does panicina~t In the National Food Insurance Program. ® tt is covered by a b program ^ his covered by an eDNf9CDC!( program. Page 1 of 2 Form MPA3 - •WinTOTAL' appraisal software by a la mode, inc. -1.80aALAMODE File No. 090417Ar Paoe #6 ® CURRENT SALES CONTRACT ® The subject property is currentty not under contract. ^ The contract andlor escrow instructigns were not availaM . for r view. The unavailability of the contract is explained later in tine addenda section. ^ The contract anNar escrow Instructlons were reviewed. The fallowing summarizes the contract: Contract Date Amendment Date Contract Prica Seller ^ The contract indicated that personal property was rat included in the sale. ^ The contract indicated Utat personal property was InGuded, ft consisted gf Estimated contributory value is S D ® Persorel property was not incYrded kl the final value estimate. ^ Personal property was included in the final value estimate. ^ The contract indicated no financira cpnepsslans or other incentives. ^ The conract indicated t . Ioliowi celonc or incentives: ^ h concessions or incentives east, the comparables were checked fa siMlar concessions and appropriate adjustments were made if applicable so , , that the final value conclusion is Incompliance with the Market Value defined herein ® MARKET OVERVIEW krcludeanexplanatlonofcurrentmarketoondhbroandtrenda 0-6 months is considered a reasonable marketing period for the subject property based on Comparable Sales ® ADDITIONAL CERTIFICATION The Appraiser certifies and agrees that: (1) The anatyses, opinions and conclusions were devebped, and ttis report was prepazed, In contormity with the Uniform Standards of Professional Appraisal Practice ('USPAP'), except that the Departure Provision o1 the USPAP does not apply. (2) Their compensation is not cordrngerd upon the reporting pi predetemined value or direction in value that favors the cause of the clent, the amoum of the value estimate, the attainment of a stipulated resole, ar the occurrence of a subsequent event. (3) This appraisal assignment was not based on a requested minimum valuation, a specific valuation, ar the approval of a loan. ® ADDITIONAL (ENVIRONMENTAL) LIMITING CONDITIONS The value estimated is based on the assumption tllat the property is not negatvey affected by the existence of hazardous substances or deMmental environmental conditions uNess odherwise stated in tHs report. The appraiser is not an expert In the identification of hazardous substances ar detrimental environmental conditions. The appraiser's routine inspection of and inquiries about the subject property did not devebp any information that indicated any apparent significant t>azartlous substances or detiimemal environmental conditions which would affect tits properly negativey unless otherwise stated In this report. tt is possible that tests and inspections made by a quatitietl hazardous substance and environmental expert would reveal the existence of hazardous substances or detrimental erwironmental conditions on ar around the property that would negatively affect its value. ^ ADDITIONAL COMMENTS ® APPRAISER'S SIGNATURE & LICENSE/CERTIFICATION Appraiser's Signature at 10-22-2007 Date Prepared Mav 07, 2009 Appraiser's Name (print) R PA A rais Pltorte # (7171583-0306 State PA ^ License ®Certificatbn # RL0019t)SL Tax 0 # 25-1718810 ^ CO-SIGNING APPRAISER'S CERTIFICATION ^ The co-signing appraiser has persotlally i cn-°ected the subject property, both inside and out, and has made an exterior inspecton of all comparable sales listed in fire report The report was prepared by the appraiser under direct supervision of the co-signing appraiser. The co-signing appraiser accepts responsibility tar the contents of the report including the value conclusions and the limiting conditions, and confirms that the certifications apply fulty to rite co-signing appraiser. ^ The co-signing appraiser has not p .rconaly inspected rite interior of the subject property ant: ^ bas not inspected the exterior of the subject property and all comparable sales listed In the report . ^ has inspected the exterior o1 the subject property and all comparable sales listed in the report . ^ The report was prepared by tl1e appraiser under direct SupenYlSion of the cosigning appraiser. The co-signing appraiser acceals responsi6iliy i« the contents at the report, including the value conclusions and the limiting conditions, and cantirms that the certfications appy fuuy to the cosigning appraiser with the exception of the certifiCatbn regarding physical inspections. The above describes the level of inspection performed by the i co-s gning appraiser. ^ The co-signing appraiser's level of Inspection Involvement in the a raisal rocess d , pp p an certification are covered elsewhere In the addenda section of this appraisal. ^ CO-SIGNING APPRAISER'S SIGNATURE 8 LICENSE/CERTIFICATION Co-Signing Appraiser's Signature Effective Date Date Prepared Co-Sigrdng Appraiser's Name (print) Phone # State ^ license ^ Certification # Tax ID # Page 2 of 2 Form MPA3 -'WinTOTAL' appraisal software by a la mode, inc. -1-804ALAMODE F 41 r P 7 Sunnlemental Addendum ~,~a~~~„ Borrower/Gent Muriel Smith Estate of Pro Address 101 Ma le Avenue Ci Cam Hill Coun Cumberland Stale PA L Code 17011-4121 Lender Private sisal THIS REPORT IS FOR LENDERfCLIENT OR ASSIGNS THE DIGITAL SIGNATURE CONTAINED IN THIS REPORT IS THE SCANNED IMAGE OF AN ACTUAL SIGNATURE AND IS PASSWORD PROTECTED. IT IS TO BE TREATED AS AN ACTUAL SIGNATURE. INFORMATION CONCERNING ZONING WAS OBTAINED FROM LOCAL MUNICIPAL AND COUNTY ZONING OFFICERS. INFORMATION CONCERNING MORTGAGE TYPE AND SELLER COST HELP ON COMPARABLE PROPERTIES WAS OBTAINED FROM AREA MULTI-LIST SERVICES AND LISTING AGENTS. IN SOME CASES, WHERE COST HELP IS NOT LISTED ON MULTI-LIST SHEETS, AREA AGENTS CONSIDER COST HELP INFORMATION TO BE CONFIDENTIAL AND WOULD NOT PROVIDE THIS INFORMATION TO THE APPRAISER. THE SUBJECT IS OVER THIRTY YEARS OLD BUT HAS BEEN MODERNIZED AS NECESSARY AND IS MARKETABLE IN ITS PRESENT CONDITION. IT IS NOTED THAT COMPARABLES NUMBER 3 OCCURRED MORE THAN SIX MONTHS AGO. THESE COMPARABLES WERE USED DUE TO THE LACK OF SIMILAR COMPARABLES CLOSING WITHIN THE SIX MONTH TIME FRAME AND ARE THE BEST TO ACCURATELY REFLECT THE MARKET VALUE OF THE SUBJECT PROPERTY. COMPARABLES NUMBER 1,2,3 VARY IN PRICE PER SQUARE FOOT BY MORE THAN 510.00 PER SQUARE FOOT. THESE COMPARABLES WERE USED BECAUSE THEY BEST REPRESENT THE MARKET VALUE AND MARKETABILITY OF THE SUBJECT. NO BETTER COMPARABLES WERE AVAILABLE FOR USE IN THIS APPRAISAL. THE SUBJECT WAS VACANT AT THE TIME OF INSPECTION. ALL UTILITIES WERE ON AND OPERATING AT THE TIME OF INSPECTION. ALL COMPARABLES ARE VERIFIED SOLD AND SETTLED PROPERTIES. Signature Name Rick Sellars. '~'~'-~r,~,VW ~ A~ Date Signed May 07. 2009r ~ State Certification # RL001908L State PA Or Stale License # State Signature Name Date Signed _ State Certification # Or State License # 51ate State Form TADD2 -'WinTOTAL' appraisal software by a la node, inc. -1-800-AI.AMODE Subject Photo Paae Fil 417 r #8 Borrower/CYent Muriel Smith Estate of Pro a Address 101 Ma le Avenue Ci Cam Hitl Caun Cumberland State PA Zi Cade 17011-4121 Lender Private raisal Subject Front 101 Maple Avenue Sales Price N/A Grass Living Area 1,286 Total Rooms e Total Bedrooms 3 Total Bathrooms 1 Location Average Ylew Average Site 0.28 Acres Oualiry Stone/Avg. Age 54 Subject Rear 4! T ,r ;~ , . , ,,r ~ tr'=;t ~ - i i , ,tt ° ;,,~; ,'~T-~ ~ r~i~ ~_s_ - -'` ~, ~' ~~ti Subject Street Form PIC3X5.5R -'WinTOTAL' appraisal software by a la mode, inc. -1-t100~ALAMODE Subject Photo Page Fite No 090417Ar Paae #9~ Bonower/C6em Muriel Smith Estate of Pro a Address 101 Ma le Avenue Ci Cam Hill Coun Cumberland State PA Z Code 17011-4121 Lender Private sisal h>. ,, Air >r` '~' ~ r ^{ a ~~.~~~ y. _ ~. ~~ - i? t, - _~~: #yc ~ , ~y,~ `'~' Subject Front 101 Maple Avenue Sales Price NIA Gross Living Area 1,286 Total Rooms 6 Total Bedrooms 3 Total Ballrooms 1 Location Average Yew Average Stte 0.28 Acres Oualiry StonelAvg. Age 54 Subject Rear Subject Street Farm PIC3z5.SR -'WinTOTAL' appraisal software by a la mode, inc. -1-8D0-ALAMOOE Subject Interior Photo Page FI N . 4 P BorrowerlCdent Muriel Smith Estate of Pro Address 101 Ma le Avenue Cit Cam Hill Coun Cumberland State PA ZI Code 17011-4121 Lender Private raisal Subject Interior 101 Maple Avenue Sales Rice N/A Gross Living Area 1,286 Total Rooms 6 Total Bedrooms 3 Total Battvaoms 1 Location Average Vlew Average Site 0.28 Acres Duality StonelAvg. Age 54 Subject Interior Subject Interior Fwm PIC3x5.S1-'WinTOTAL' appraisal software by a la mode, inc. -1.800•ALAtuIBDE Comparable Photo Page Borrower/Client Muriel Smith Estate oi` Pro Address 101 Ma le Avenue Ci Cam Hili Cou Cumbertand State PA Zip Code 17011-4121 Lender Private sisal Comparable 1 3543 Chestnut Street Prox to Subject 0.68 miles E Sales Pace 137,900 Gross Lining Area 1,412 Total Roams 6 Total Bedrooms 3 Total Bathrooms 1 location Average Yew Average Site 0.17 Acres Quality VinyVAvg. Age 59 Comparable 2 3800 Vine Street Prox to Subject 0.45 miles E Sales Price 153,900 Gross Living Area 925 Total Rooms 4 Total Bedrooms 2 Total Bathrooms 1 LocaBon Average View Average Site 0.18 Acres Quality Brick/Avg. Age 57 Comparable 3 4004 Chestnut SVeet Prox to Subject 0.20 miles NE Sales Price 159,000 Gross Living Area 1,288 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1.5 Location Average View Average Site 0.17 Acres Quality BricklAvg, Age 45 Form PIC3z5.CR -'WinTOTAL• appraisal software by a la mode, inc. -1-800-ALAMODE Comparable 1 ile Na. 090417ArT#~ lrlfcvniatkvl provided is deemed reAaHle (xR nofguaranteed. OS/06(1009 01:09 PM CST "~' _°~':-~~ I '~"'r °/;~ w4 0 Sdd Lkt Price Address City Ana 6 MLS ~ 10144$09 Gaw Residential/Farm Type Detached 5137,900 HTBB: 3543 CHESTNUT ST. Cramp H111 Mun Hampden Zip 17011 Osv HAMPDEN GARDENS Schl Dist Cumberland Valley irtwl Tour County Cumberland Asaoclstsd Dowment 1 Quidr Links: Design Randl xSDOrbe 1 Stary Handicap ~ ©~ ~ Bdrms 3 Baths F 1 H Levels 31 FP 1 Posaassbn Rood lone: Uv Rm Dlm 19X13.5 Level 1 Dln Rm Dlm Kitchen Dim 17X12 Level 1 Bath Half Full Fam Rm Olm 15.5X15.5 Level 1 Bsmt 0 0 Dan Dim Maln 0 1 M BR Dim 17.7X11.7 Level 1 2nd 0 0 8D1 Dim 3b 0 0 BD2 Dim 11.9X4 Level 1 BD3 Dim 11.9X9X9$ Level 1 BD4 Dim BD 5 Dlm Tax 1669 Tax Yaar 06/07 Squaro Ft Source Public Records Condo Faa Avas 0.1700 Lot 60X120 Past Attas Tlll Aerae Sgwro Feet Above Grads 1412 flnbhed Squaro Feat Below Grade /- Fee Froquanq Adult Community Warranty No Year Bulk /- 1958 Conat Stick Built Wtr/Swr Pubtc Sewer, Publk Water Ext Vinyl Loe Ss Less Than V. AC Roof ComPasi[i0n lot Desc Level APPI Dishwasher, D'Bpnsal, Refrigerator, Range•8ec Age S1+ Years Ext Fea pabp Rd Frntg Equip Smoke Detectors, Cdkng Fan, table Ready Use Dining Country Kitdien, DINrg Area Out Bldg ParWn9 Olf Stmt Parking Barn Type Caol Central Air Barn Ind Amen iirl Equip Heat Natural Gas Fana Misc. Rms FOUr SeaSOn Boom Eleeblc 220 VOlts, 200 + Amps Aaoc Amen Occ Owner Aux Heat Fireplace W/Heatplator Zoning Resldentlal Basement Slab wvall Flne Conventlalal, VA, FHA Cash , blic Viaw UPDATED KITCHEN, FURNACE REPLACED IN 1993, SOME NEW WINDOWS, CLOSET ORGANIZERS, HOT WATER HEATER REPLACED amarks IN 2001, NEW SIDING IN 2001, NEW ROOF 1996. NICE BACKYARD. A115 HOME WARRANTY. ant emarka r MARKET ST. TD 5 /36TH ST. TO CHESTNUT LlsUng TYM Exdusive Right Under Const No Est Comp Oate Update Data 6/8/2007 PoasihleShortSala Show (all List Office Lock Box SAG 3 TLC 3 FRONT DOOR BAC 3 LO RE/fdAX REALTY ASSOCIATES Clffice: p17) 7b1.630D 3425 MARXET ST CAMP HILL PA 17011 LA SHARON GODD[N Phone: (717) 697-581a d,s..,nrPus(A ooddn LA2 LA3 Selling Office BROKERSRFIILTY.COM Balling Agent SANDY BOX COOM 14 Seller Htlp C1s Cast SD00 0 . Contract Date 4/23/2007Osing Da4 6/7/2Ig7 Fins Cnrnentia OOM 14 Sdd Price;137,900 StllerHtlp Repels O.pO Form SCNLGL - "WinTOTAL• appraisal software by a la mode, Inc. -1.1100•ALAM00[ Comparable 2 /nfAmtaborl prov/ded B deemed re%ab/e but not guaranteed. 05(06/2009 01:10 PM CST ~,~, Sold MLS# 70147014 pass Residential/Farm Type Detached lkt Price =153,900 HTBe: ~ ~~ Address 3800 VINE STREET . City Camp HIII Mun Hampden Zip 17011 Aroe 6 Dev HAMPDEN GARDENS Schl Dk+t Gumbertand Valley County Cumberland Associated Document 1 Qukk Links: ~E'~',. Design Ranch #Storles l5tpry MandlcaD No ~ ~ W # Bdrms 2 Baths F 1 H levata Virtual Tour # FP 1 Possewbn SETTLE Rood Zone: Uv Rm Dlm 12'4X18'9 level 1 RrepWte-Wggd, Wa17o Wall Carpel Din Rm Dim Kitchen Dim 10'7X10'9 Lend 1 Vinyl Fklatnq, Dining Area Bath Halt Full Fam Rm Olm Idtlrlt 0 0 Den Dlm Maln 0 1 M BR Dim 10'11X12'4 Level 1 Wall To Wall Carpet 2nd 0 0 601 Dim 3rd 0 0 BD2Dim 11'5X11'6 Leven WaIIToWaACarpet 803 Oim BD4 Dlm BD 5 Dim Laundry Ro... 62X9' Level 1 Vinyl Flooring Tax 1400 Tax Yaar 2006/07 Arses 0.1800 Lot 120X66X 120X66 Part Aaas TIII Aeras Squsro ft Source Publk Records Square Feet Abow Grads 925 flnbhed Sgwro r-eet Below Grade /- Condo NO Fee Fee Fragwngr Adult Community No Warranty No Year Bulk /- 1952 Const Stick Built: &idc Wtr/Swr Pubk Sewer, Pudk Water Ext Brink Lot Sz Less Than y~ Ac Roof Compositlon Lot Dasc Gear, Comer, Level APPI Mk~owave, Dishwasher, RehigeratDr, Range-Flee Aga 51+ Years Cart Faa Out Bulldklgs, Patio, Porch Rd Frntg Munidpal Road EquIP Smoke Detectors, Cable Ready Use Dining Eat-In Kitdlen Out Bldp Paridn9 Nme, Off Street Parking, On Street Parking, Paved Drnre Barn Type Cool Cenbal Air Barn 2nd Amen PuWkTransprxtatlon fm Equip Heat Forced Air, Oil Fence Misc. Rms laundry Roam ElecMc 110Vdts, 220 Volts, IJrWR Breakers, 100 Amps Assoc Amen Oct Mix Heat 2onin9 Residential Basement None, Slab Avail line Conventional, VA, FHA, Cash bile View LIKE NEW AGAINII ADORABLE COTTAGE STYLE ALL BRICK COMPLETELY RENOVATED FEATURING NEW WINDOWS KIT H , C EN, BATH, marks APPLIANCES, FLOORING PAINT, CONCRETE PATIO,& LANDSCAPING ON LARGE CORNER LOT OIL HEAT & CENTRAL A R TWP/COMB. VALLEY SCHOOLS. . I . MAMPDEN an! marks r W/MARKtT ST,U36TH ST,R/V[NE ST. LlsGng TYPe Exchaire Right Under Const No Est Comp Date Update Date 7/20/2007 PbsetbleShortSale Show Call Ust Agent, Lockbmc tack Bo: SAC 0 TLC 0 AML BAC 3.ON LO HOWARD FWNNA COMPANY-MOVOfficp: (717) 920.9600 3310 MAAXET ST CAMP HILL DA 17011 LA IdLLARY BITTING CELL• (717) 608-4663 u2 u-3 -t°m Selling Office HOWARD HANNA OOMPANYBelling Agent FHLIARY BITTING CDOM 54 S NIT Help Cis Coat 2000.0 Contract Data 7/15/2007Osing Dates 7/39/2007 Fine Conventla DOM 54 Sold Price;153,900 SallerNdp Repairs 0,00 Form SCNLGL - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Comparable 3 lnformatxvr pnw~cl:d rs dernlM re6abk but not guaranteed. 05/06/2009 01:10 PM CST Sdd MLS i 10136043 lass Residential/Farm Type Detached lLt Price $159,900 Nre6: :.__.. _ W~ : _ _ : Address 4004 CHESTNUT STREET " aty Camp Hill Mun Hampden Zip 17050 Ana 6 Dev Schl Dist Cumberland Valley ,~ County Cumberland AsNrclated Document 1 Qukk Unks: Design Randl at StorNrs 15tay Hendleap ,(~ ©~ ~, ar Bdrms 3 Bathe F 1 H 1 Lwals VIRwI Tour * FP 0 Possassbn SETTLEMENT Flood Zone; LW Rm Dlm 15%12 Level 1 WaIITO Wall Carpet Oln Rm Dim 12X9'2 Level 1 Wall To Wall Carpet ptdren Dlm 12X9 Lend 1 Nnyl fl00rhYJ Betll IYM Full Fam Rm Dlm 24X2A Level 2 Wall To Wall Carpet Bsmt 0 0 Den Dlm Level 2 Wall To Wall Carpet Maln 1 1 M BR Dim 15X12 Level 1 Wall To Wali Carpet and 0 0 BDl Dlm 31d 0 0 BD2 Dlm 11'7X11'4 Level 1 Wall To WaA Carpet BD3 Dlm 11'2X10 Level 1 Wall To Wall Carpet BD4 Dim BD 5 Dlm Tax 1433 Tex Yaar 2006 Aces Lot 75X100 past Acres TIII Acres Sgwn Ft Source Plblk Recede Sgwn Feet Abow Grade 1288 Flnlshed Square Feat Below Orede S00 /• Condo Fea Fee Frogwnry Adult Community Warranty Year Built /- 1964 Const Stkk BuUt wtr/swr Pubic Sewer, Pudic Water Fxt Bride, Vlnyl lot Ss Less Than ~A Ac Roof Composttbn Lot Dasc Level ApDI Renge-Flee Ape 41-50 Years Fxt Fes Pats, Covered, POrch Rd Frntg MUnldpal Road EqulD Cable Ready Uee Dining Dicing Area Out Bldg parWng 1 Car Carport Barn Type Cool Wall Untts Barn Ind Amen Fm Equip Neat Baseboard, HOt Water, Oil Fena Misc. Rms Rec/Play Room Electric Orcuit Breakers, 200 + Amps Assoc Amen Oa Aux Neat loning Residentlal Basemdrt Full, PaMally Flrilshed Avell Fine bile View WELL KEPT BRICK RANCH ON APPEALING LOT, )UST PAINiEO OFF -WHITE KITCHEN HAS L -SHAPED COUNTER/BREAKFAST emarks BAR.NARDWOOD FLOORS UNDER CARPET. FR 8OEN IN LLCOVERED FRONT & BACK PORCHES! CARPORT WITH SHED . gent amarks r WEST ON MARKET TO LEFT ON OAK, 12 CHESTNUT ST. Usting Type Exdtdve Righ[ Under Const NO Est Comp Date Update Date 10/16/2006 PosalMe9artSale Show Call List Ofr!oe bek Box SAC 2.SN TLC lplg BAC 2.SN Lo PRUDENIIALTHOMPSON WOOOOIIke: (717) 761-8353 3815 MARKET ST. GIMP HILL PA 1:7011 U- ALICE O'NEILL Dhone: (717} 579-3778 uz u3 Selling Offios PRUDENTIAL THOMPSON W1Selling Agent THOMAS C FOREMAN CDOM 7 Contract Data 9/19/2006dsing Data 10/6/2006 Flnc Other Sel ar Nslp Ga Cost 0.00 DDM 7 Sold Prtce $159 000 Salbr Hel R i , p eps rs 0.00 Form SCNLGL -'~NnTOTAL• appraisal sattware by a la mode, Inc. -1-800-ALAMODE Building Sketch Borrower/Cfient Muriel Smdh Estate of Pro Address 101 Ma le Avenue C~ Cam Hill Coun Cumberland State PA Lp Code 1701 t-4121 Lender Private raisal Screen Porch t 5.0' 0 32.0' Utiliy CI Bedroom Betlroom lOtchen Llving Rcom Storage O F CI ~ N m CI " CI Bath Foyer Dining CI 19.0' 0 Bedflwm ° " 14.0' 1s.a Comments: AREA CALCULATIONS SUMMARY Cow Deserl{Mlon Net Sla Net TotNs Gi.711 First Flooz 1296.0 1296.0 Net ENABLE Area (Rounded) 1286 LNING AREA BREAKDOWN Braekdowrt Su6totale First Floor 14.0 z 25.0 350.0 18.0 z 22.0 396.0 15.0 x 36.0 540.0 3ltems (Rounded) 1286 Form SKT.BIdSkI - ~WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMOOE Flood Map 417Ar P Borrower/C6en1 Muriel Smith Estate of Pro a Address 101 Ma le Avenue Ci Cam Hill Cou Cumberland State PA L Cade 17011-4121 Lender Private raisal Form MAP.FLOOD - •WinTOTAL' appraisal software 6y a la mode, inc. -1-800-ALAMODk A Location Map Borrower CfieM Muriel Smith Estate of Pro a Address 101 Ma le Avenue Ci Cam Hill Coo Cumberland Stale PA D Code 17011-4121 Lender Private raisal a la mode me ~. 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Form MAP.LOC - "IMnTOTAL• appraisal software by a la made, inc. -1-800-ALAMOOE Deed -Page 1 FI 0417A P 1 BorrowedC6ent Muriel Smith Estate of Pro Address 101 Ma le Avenue Ci Cam Hill Coun Cumtlerland State PA Z Code 17011-4121 Lender Private A raisal THIS DEED, MADR i'1R ~n day oC 1l,.1M14 !n the year o[ our Lord one thousand nine hundred ninety sewn 119971 R='MRRN MICHAEL 5. SL6ROONIK and 1'R [SANK M. SI,RBODNIK, husband. and wife, Crartt ore •nd MURIBL SMITH, Grantee NITNL6ILIV, ehae 1rt consideration of BICNTY-S8v6N TMOCSAND THRR6 IIIMDRRD SRVBNTY-ON^ ANC OOi 100---•------------1597,]71.001 Dollars, in hand paid, the zec oipt whereof ie hereby acknowledged, U:e said grsrtore do heruby grant and convey to the said gzancse, ALL THAT CMTAIN fret[ or parcel o! lend and premises. aizua[a, lying and being in tt:a Tornthip oL Hampden, !n the County oC R,mbecland anr! Clfnwonwealth oL Pennsylvania. mote pa rc iculazly described as Lull owe: 97:It1NIlM. ac a point in [he southeast corner oL thR inuraseeion of Maple Aver:us and Cceen Strelc; thanes eouthwardly al mlg the eastern line o[ Mapls Avanua 90 feet Co a point in the northern 7.Lne of Loo No. ]9 or, tM here3nafcar esntionad Plan o[ Lute; thence eas[wardl'/ along Che northern llns of Lot Nu. Itl, 150 [act Co a polo[: Chance Northwa rdly, parallel with Maple Avenw 90 tact to a point in the soucturn line of Crean Serest, chance wstwarAly aloru~ the ec,utharn line of Green Sczsee, 150 Leaf to a point, the place oL BYGINNIHG. RRING Iil'1'!70. ]9 on the rr.rvised plan oC Maple Avenue, OakwOOA Park, as recordwd in Plan BOCI_ ], Page 52, Cumberland Calnty Necords. HAVING the rein erecCM s ningla Lami ly atone ranch Cype d8we~ll i~lnpgyknown and numbered an 101 Naple Avanua, Can;[ Nili, ~fi 33 s`c0~~6 q p .a .a r ~t ~i ^ ~ ~ "s ~ eiil9l 1G0 ruF 575 ,o - ~~=trisiwa~i3~: +~ Form SCNIGH -'iMnTOTAL' appraisal software by a la mode, Inc. -1 •B00-ALAMODE Deed -Page 2 File ~0417Ar Paae #119 Borrower/Client Muriel Smfih Estate of Pro Address 101 Ma le Avenue Ci Cam Hill Coun Cumt7erland State PA Zp Code 17011-4121 Lender Private raisal DtiDaA Al1D 5UB.78CT to tree some rights, pHvlleges. agrramsnrs, rights-oC-way, easemenn, rored:~.tions, exceptions, restrictiorte, and rsrervatioas as exist by v:.rtur oC prioe reeordsd instruments, plane, deeds oC comeyancra or vlaibL on the groutW. aLitlp TH8 SAME PRta7ISli5 wlllch Miehael 8. Slsbodnik and 7riaann M. Drimler, joint eenmts with right of sucvlorship, by DsW datetl January 13, 7993 and recorded June 1, 1997 in [he Rrcarder o! Drrdr Oltlce in end for Cunitezland Cour.[y, Pennsylvsnis, in Deed Pook 3f-H, Page 911, granted and conveyed unto Mlchawl 6. Slabodnik and Trieann M. 8l abodnik, husband and wile, tenants by the ent ltrties, grantors ]uerein. And cite said gzancars hsreDy covenant and agree that Choy will warrant sasclally [ha property beretly eonveyrd. IH irrTNaS9 nAttetOP, said grantors have brteunto se[ their IiarWe and seals the day end year [ir^t above writ ,en. Sigrwd, Sealed and Delivered 111 rl^e PreaanCr o!_ M7~'IrAb'},-S. S BOD:til _~_l(, /~,[ TRI'aANtl Y.ar.ee :tc STATB OP p ~gy;,~yA)grlA~1 On this, the ~7 day of ~JUI-a- , 1997, bato[e ne, the undersigned officer, paraonully appeared M3CHA84 9. 51390pN21r and TRISAtM M. SLSIiODN11( lulown to me for ss[ielaCtozily proven) to De the persons whose nanws are subccritwad co tAe within instrument, aN aCknow Ledgad that [bey executed same [or the purposes therein contained. IX I/ISHE99 MHiRS01, I hereunto eat my head end otC lcial seal. ww~ns rye Ilanp~W n r~'tu,~pyyMCrs~.. M't>aw,..ron6pa wqM 7001 hmaemy arM~laM M Aaea. tiull7 iGU tui 5?6 vnsm teen nuasrrx, sac. IO(p(po'Tpl Form SCNLGH -'WinTOTAL' appraisal software try a la mode, inc. -1.8tN1•ALAMODE E & 0 Certification Borrower/Client Muriel Smith Estate of Ro Address 101 Ma le Avenue Ci Cam Hill Cou Cumberland Stete PA L Code 17011-4121 Lender Private raisal c~vA Declaratlona Agency Branch Prefix Policy Number 078990 969 RNP 13319084008 1. NAMED INSURED AND MAILING ADDRESS: Edmund J. Koppanhaver Appralsala by E.J. 2116 Soulh Pointe Drive Hummelstown, PA 17036 2. POLICY PERIOD: Inceptbn: 10/31/2008 Expiration: 10131/2009 at 12:01 A.M. Standard Time at your address shown abovo. 3. ERRORS AND OMISSIONS LIABILITY: A. Limits of Liability. Each Claim: $1,000,000 Aggregate:; $1,000,000 B. Locktwx Limit of Liability: 350,OOD (SUBLIMIT INCLUDED WITHIN THE LIMITS OF LIABILITY) C. Discrimination Limits of Liability: 5100,000 O. Deductible: Each Claim: 52,500 E. Fvst Coverage Dale: 10131 /1994 4. PREMIUM: ENVIRONMENTAL HAZARDS: DISCRIMINATION (Optional $100,000 Sublirnit): TOTAL PREMIUM: G-128413-B (Ed. 08!01) 176930-015162 $1,709.00 30.00 $0.00 $1,709.00 Total Premium WSTALLMENT PAYMENT SCHEDULE $083.60 Due 10/31!2008 $512.70 Due 01(31!2009 3512.70 Due 04130!2009 -1- ~~~~~ countersigned ay AuOrorized fteprescntative BROKER Real Estate Professionals Errors and Omissions Pdlcv Insurance is provided by Continental Casualty Comparry 333 S Wabash Ave Chicago, lL 80804, A Stock Insurance Company. NOTICE TO POLICYHOLDERS: The Errors and Omissions Liability coverage afforded by lhls policy fs on a Claims Made Basis. Please review the poAcy carefully and discuss this Coverage with your insurance agent or broker. Form SCNLGH - "WinTOTAI' appraisal software by a la mode, Inc. -1-800•ALAMODE ~~ ourt Henan aini iai iw rax. t i rI IL-3L~tl ~ ~ ,~u~~ a~c;ua u~. i~am ruu[/uU~ ~, 1~~.,e~ ~/ !,-ice: tr2 ~ ~" mil' ~ iiJ.l SETTLEMENT ~~ ~c~z~~/ ~ ~~ ~~ SELLER NAME 1 ~1 Zf / ~~-~~~r~ .; , . . DATE i'JF SALE ~ ~~ '~~~ PHONE ~~~ "'~.~5~~ LC1CATlON OF SALE <<~ ~ ~ ' AUCTiONEER,/~tS ~ _._,..~- ~/J~' /f~i1 .~~C~ PHONE ~~~ ~ ~~~5~ I,~.-.... xacvcr.c --~~ .. ... .~ ~~lY' ~ PROFESSIONAL. FEES AUCTIONEER f -~ $ ~.S JG~ ~' 'CASH $ ~'/ <~<<S~J "~ . -~. CLERK $ ~~ ~~ ~ CHECKS $ e ``// CASHIER $ ~ `t''~ __ Q EIZ EIPTS . PE ES OTHER EX_~ $ ~~ ~ $ "' $ /~~ $ ~ ~ $ $ $. ~ . .~ .C~ i.. $ ~ ~ °w $ ~t~~ f~~~rf~6~-- l ~ $ ,~ ~r~ ~ $ $ I $ ~' $ $ $ ~~ TCtTAL RECEIPTS $ . ~ +? ~., $ ~ .y LESS TOTAL EXPENSES $ ~~ /~ •Ba ~ ~ ~' 1?i4~it~ - ~ ~i ~ !~ _. - N ~ I~ ~!~ :. ~i!•~.'~S' :'Jul.'lDhtfi~~.aFAFIRiIE~~a.F«3~:~ 31ti '~.a~oi ~iS7~«1.~~ . ~M~'~~ ~...._ _ ~IkF._ ~IFiFJi~b'i ~'~i~..~ ~ ~~ I (or weJ, the seller, acc~p~ this settlement and acknowledge receipt of the above specified net proceeds from the auction of my goods and property sold on the above date. i accept all resppoonnssibility for providing mereh able title fio all goods, and property sold, and for delivery of title to the purchpser_ r ' f ~ r ~ Date Auction or Cashiers S~ etrfr`e ( ler's Sig re / ~ ~~ ~ Date Date (sellers Signohrre) Last Will and Testament ~O nM Lr' 1f Muriel Smith I, Muriel Smith, a resident of Camp Hill, Cumberland County, Pennsylvania, revoke any prior wills and codicils made by me and declare this to be my Last Will and Testament. Article one Family Information I have three children. Their names and dates of birth are: Wendy Karen Smith, born on August 6, 1952 Holly Jan Smith, born on May 20, 1954 Corey David Smith, born on June 24, 1960 All references to my children in my will are to these children. References to my descendants are to my children and their descendants. Article Two ;pecifi~ a ~ ui Section 2.01 Disposition of Tangible Personal Property I give all my tangible personal property, together with any insurance policies covering such property and claims under such policies in accordance with a "Memorandum for Distribution of Personal Property" or other similar writing directing the disposition of such property, which shall be dated and signed by me. I intend that the writing qualify to distribute my tangible personal possessions under applicable state law. Page 1 Section 2.02 Contingent Distribution of Tangible Personal Property I give any tangible personal property not disposed of by a written memorandum to my children, in shares of substantially equal value, to be divided among my children as they shall agree. In case my children do not agree upon the division of the property within a reasonable time not to exceed 6 months after my death, my Executor shall sell the property and distribute the net proceeds equally among my living children. My Executor shall incur no liability to any party for any decision made by my Executor with respect to either the division or sale of my tangible personal property, and any decision made by my Executor shall be final and binding on all of my beneficiaries. Section 2.03 Definition of Tangible Personal Property For purposes of this Article, my tangible personal property shall include but not be limited to my household furnishings, appliances and fixtures, works of art, motor vehicles, pictures, collectibles, personal wearing apparel and jewelry, books, sporting goods, and hobby paraphernalia. Section 2.04 Encumbrances and Incidental Expenses of Tangible Personal Properly My Executor shall distribute property under this Article subject to liens, security interests or other encumbrances on the property. My Executor shall pay, as an administration expense, the reasonable expenses of storing, packing, insuring, transporting and otherwise caring for my tangible personal property until actual delivery of each article of property to the appropriate beneficiary. Article Three Section 3.01 Definition of My Residuary Estate All the remainder of my estate, including property referred to above that is not effectively disposed of, shall be referred to in my will as my "residuary estate." Section 3.02 Disposition of My Residuary Estate My Executor shall divide my residuary estate into shares as follows: Page 2 Name Wendy Karen Smith Corey David Smith Holly Jan Smith Relationship Share daughter 40% son 30% daughter 30% I give each share to the beneficiary outright. If a beneficiary is deceased, I give the share to the other beneficiaries pro rata. If there are no other beneficiaries my Executor shall distribute the share as provided in Article Four entitled "Remote Contingent Distribution." Article Four Remote Contingent Distribution If, at any time, there is no person or entity qualified to receive final distribution of my estate or any part of it, then the portion of my estate with respect to which the failure of qualified recipients has occurred shall be distributed to those persons who would inherit it had I then died intestate owning the property, as determined and in the proportions provided by the laws of Pennsylvania then in effect. Article Five Designation of Executor Spc#ioa~.II1_~xecu#or I name Wendy Karen Smith as my Executor. If Wendy Karen Smith fails or ceases to act as my Executor, I name Corey David Smith as my Executor. Article Six General Administrative Provisions The provisions of this Article apply to my probate estate. Page 3 Section 6.01 No Bond No Fiduciary shall be required to furnish any bond for the faithful performance of the Fiduciary's duties. If a bond is required by any law or rule of court, no surety shall be required on such bond. Section 6.02 Fiduciary Compensation An individual serving as my Fiduciary shall be entitled to fair and reasonable compensation for the services rendered as a fiduciary. A corporate fiduciary shall be compensated by agreement with an individual Fiduciary or, in the absence of an individual Fiduciary or in the absence of an agreement, in accordance with the corporate fiduciary's published schedule of fees in effect at the time the services are rendered. In addition to receiving compensation, my Fiduciary may be reimbursed for reasonable costs and expenses incurred in carrying out its duties under my will. Section 6.03 Determination of Principal and Income The Pennsylvania Uniform Principal and Income Act shall govern beneficiaries' rights among themselves in matters concerning principal and income. If the Pennsylvania Uniform Principal and Income Act contains no provision concerning a particular item, my Fiduciary shall determine in a fair, equitable and practical manner what shall be credited, charged, and apportioned between principal and income. Section 6.04 Distributions to Incapacitated Persons and Persons Under Twenty-Five Years of Age If my Executor is directed to distribute any share of my probate estate to any beneficiary who is under the age of 25 years or is in the opinion of my Executor, under any form of incapacity that renders such beneficiary unable to administer distributions properly when the distribution is to be made, my Executor may, as Trustee, in my Executor's discretion, continue to hold such beneficiary's share as a separate trust until the beneficiary reaches the aye of 25 or overcame th~~na~;ty_ My Fx ..~~tQr shall then c~istrihute_such beneficiary's trust to him or her. While any trust is being held under this Section, the Trustee shall pay to the beneficiary for whom the trust is held such amounts of the net income and principal as the fiduciary determines to be necessary or advisable for the beneficiary's health, education, maintenance and support. Upon the death of the beneficiary before that time, the Trustee shall distribute the trust, including any accrued and undistributed income, to my then living descendants, per stirpes. If I have no then living descendants the property shall. be distributed under the provisions of Article Four entitled "Remote Contingent Distribution." Page 4 Section 6.05 Representative of a Beneficiary The guardian of the person of a beneficiazy may act for such beneficiary for all purposes under my will or may receive information on behalf of such beneficiary. Section 6.06 Ancillary Administration In the event ancillary administration shall be required or desired and my domiciliary Executor is unable or unwilling to act as an ancillazy fiduciary, my domiciliary Executor shall have the power to designate, compensate, and remove the ancillary fiduciary. The ancillary fiduciary may be either a natural person or a corporation. My domiciliazy Executor may delegate to such ancillary fiduciary such powers granted to my original Executor as my Executor may deem proper, including the right. to serve without bond or surety on bond. The net proceeds of the ancillary estate shall be paid over to the domiciliary Executor. Section 6.07 Delegation of Authority; Power of Attorney Any Fiduciary may, by an instrument in writing, delegate to any other Fiduciazy the right to exercise any power, including a discretionary power, granted. the Fiduciary in my will. During the time a delegation under this Section is in effect, the Fiduciary to whom the delegation was made may exercise the power to the same extent as if the delegating Fiduciary had personally joined in the exercise of the power. The delegating Fiduciary may revoke the delegation at any time by giving written notice to the Fiduciary to whom the power was delegated. The Fiduciary may execute and deliver a revocable or irrevocable power of attorney appointing any individual or corporation to transact any and all business on behalf of the trust. The power of attorney may grant to the attorney-in-fact all of the rights, powers, and discretion that the Fiduciary could have exercised. Section 6.08 Merger of Corporate Fiduciary If any corporate fiduciary acting as my Fiduciary under my will is merged with or transfers substantially all of its trust assets to another corporation or if a .corporate fiduciary changes its name, the successor shall automatically succeed to the position of my Fiduciary as if originally named my Fiduciary. No document of acceptance of the position of my Fiduciary shall be required. Page 5 Article Seven Powers of My Fiduciaries Section 7.01 Grant of Powers My Fiduciaries may perform every act reasonably necessary to administer my estate and any trust established under my will. Specifically, my Fiduciaries may exercise the following powers: They may hold, retain, invest, reinvest and manage real or personal property, including interests in any form of business entity, and policies of life, health and disability insurance, without diversification as to kind, amount or risk of non-productivity and without limitation by statute or rule of law. They may partition, sell, exchange, grant, convey, deliver, assign, transfer, lease, option, mortgage, pledge, abandon, borrow, loan, contract, distribute in cash or kind or partly in each at fair market value on the date of distribution, without requiring pro rata distribution of specific assets and without requiring pro rata allocation of the tax bases of such assets. They may hold in nominee form, continue businesses, carry out agreements, and deal with themselves, other Fiduciaries and business organizations in which my fiduciaries may have an interest. They may establish reserves, release powers, and abandon, settle or contest claims. They may employ attorneys, accountants, custodians of the trust assets, and other agents or assistants as deemed advisable to act with or without discretionary powers and compensate them and pay their expenses from income or principal or both. Section 7.02. Fiduciaries' Po~ver~ Act In addition to all of the above powers, my fiduciaries may, without prior authority from any court, exercise all powers conferred by my will or by common law or by any fiduciary powers act or other statute of the Commonwealth of Pennsylvania or any other jurisdiction whose law applies to my will. My Executor shall have absolute discretion in exercising these powers. Except as specifically limited by my will, these powers shall extend to all property held by my fiduciaries until the actual distribution of the property. Section 7.03 Alternative Distribution Methods My Fiduciary may make any payment provided for under my will as follows: Page 6 Directly to the beneficiary; In any form allowed by applicable state law for gifts or transfers to minors or persons under a disability; To the beneficiazy's guardian, conservator, agent under a durable power of attorney or caregiver for the benefit of the beneficiary; or By direct payment of the beneficiary's expenses, made in a manner consistent with the proper exercise of the fiduciary's duties hereunder. A receipt by the recipient for any such distribution shall fully discharge my Fiduciary. Article Eight Provisions for Payment of Debts, Expenses and Taxes Section 8.01 Payment of Debts and Expenses I direct that all my legally enforceable debts, secured and unsecured, be paid as soon as practicable after my death. Section 8.02 No Apportionment Except as otherwise provided in this Article or elsewhere in my will, my Executor shall provide for payment of all estate, inheritance and succession taxes payable by reason of my death ("death taxes") from my residuary estate as an administrative expense without apportionment and shall not seek contribution toward or recovery of any death tax payments from any individual. Section 8.03 Property Passing Outside of My Will Except as to Qualified Retirement Benefits, death taxes imposed with respect to property included in my gross estate for purposes of computing the tax and passing other than by my will shall be apportioned among the persons and entities benefited in the proportion that the taxable value of the property or interest bears to .the total taxable value of the property and interests received by all persons benefited. The values as finally determined in the respective tax proceedings shall be the values used for the apportionment of the respective taxes. Page 7 Section 8.04 Tax Elections In exercising any permitted elections regarding taxes, my fiduciaries may make such decisions as they deem to be appropriate in all the circumstances and my fiduciaries shall be under no duty to make any compensatory adjustment as a consequence of any such election. My Executor may also pay such taxes or interest and deal with any tax refunds, interest, or credits as it shall deem necessary or advisable in the interest of my estate. Article Nine Definitions and General Provisions Section 9.01 Definitions For purposes of my will and for the purposes of any trust established under my will, the following definitions shall apply: (a) Adopted and Afterborn Persons A legally adopted person in any generation and his or her descendants, including adopted descendants, shall have the same rights and shall be treated in the same manner under my will as natural children of the adopting parent, provided such person is legally adopted prior to attaining the age of 18 years. A person shall be deemed to be legally adopted if the adoption was legal in the jurisdiction in which it occurred at the time that it occurred. (b) Descendants The term "descendants" shall include a person's lineal descendants of all generations. (c) Fiduciary My "Fiduciary" or "Fiduciaries" shall refer to my Executor. My "Executor" shall include any executor, ancillary executor, administrator, or ancillary administrator, whether local or foreign and whether of all or part of my estate, multiple Executors, and their successors. (d) Legal Representative As used in my will, the term "legal representative" means a person's guardian, conservator, personal representative, executor, administrator, Page 8 Trustee, or any other person or entity personally representing a person or the person's estate. (e) Per Stirpes Whenever a distribution is to be made to a person's descendants per stirpes, the distribution shall be divided into as many shares as there are then living children of such person and deceased children of such person who left then living descendants. Each then living child shall receive one share and the share of each deceased child shall be divided among such child's then living descendants in the same manner. (fl Shall and May Unless otherwise specifically provided in my will or by the context in which used, I use the word "shall" in my will to command, direct or require, and the word "may" to allow or permit, but nat require. In the context of my Trustee, when I use the word "may" I intend that my Trustee may act in its sole and absolute discretion unless otherwise stated in my will. (g) Other Definitions Except as otherwise provided in my will, terms shall be as defined under Pennsylvania law. Section 9.02 Survivorship Presumption If any beneficiary shall be living at my death, but die within 30 days thereafter, then such beneficiary shall be deemed to have predeceased me for all purposes of my will. Section 9.03 General Provisions The following general provisions and rules of construction shall apply to my will: (aj Singular and Plural; Gender Unless the context requires otherwise, words denoting the singular may be construed as plural and words of the plural may be construed as denoting the singular. Words of one gender may be construed as denoting another gender as is appropriate within the context. The word "or" when used in a list of more than two items may function as both a conjunction and a disjunction as the context requires or permits. Page 9 (b) Headings of Articles, Sections, and Subsections The headings of Articles, Sections, and subsections used within my will are included solely for the convenience and reference of the reader. They shall have no significance in the interpretation or construction of my will. (c) Governing State Law My will shall be governed, construed and administered according to the laws of the Commonwealth of Pennsylvania as from time to time amended. Questions of administration of any trust established under my will shall be determined by the laws of the situs of administration of such trust. (d) Notices Unless otherwise stated, whenever my will calls for notice, the notice shall be in writing and shall be personally delivered with proof of delivery, or mailed postage prepaid by certified mail, return receipt requested, to the last known address of the party requiring notice. Notice shall be effective on the date personally delivered or on the date of the return receipt. If a party giving notice does not receive the return receipt but has proof that he or she mailed the notice, notice shall be effective on the date it would normally have been received via certified mail. If notice is required to be given to a minor or incapacitated individual, notice shall be given to the parent or legal representative of the minor or incapacitated individual. (e) Severability The invalidity or unenforceability of any provision of my will shall not affect the validity or enforceability of any other provision of my will. If a court of competent jurisdiction determines that any pravision is invalid, the remaining provisions of my will shall be interpreted and construed as if any invalid provision had never been included in my will. I, Muriel Smith, having signed this Will in the presence ofS,,,S~,,_, ~, l_~Q~_e.-~ and ,S Gc~;;r.,,~,ir,2 ~1~ ~t . who attested it at my request on this day, ._~~~ 1 1 l , 2006 at Harrisburg, Pennsylvania, declare this to be my Last Willa d'h Testament. ry ~y ~'^ C ~' r,.~~luriel Smith, estatrix Page 10 The above and foregoing Will of Muriel Smith was declared by :Muriel Smith in our view and presence to be her Will and was signed and subscribed by the said Muriel Smith in our view and presence and at her request and in the view and presence of Muriel Smith and in the view and presence of each other, we, the undersigned, witnessed and attested the due execution of the Will of Muriel Smith on this day, A~~ ~ ~ ~ 2006. residing at residing at f ~ ~ `~ t\ ) 1f(~ PENNSYLVANIA SELF PROVING AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN I, Muriel Smith, the testatrix whose name is signed to the attached or foregoing instrument, having been duly qualified according to law, do hereby acknowledge that I signed and executed the instrument as my Last Will; and that I signed it willingly and as my free and voluntary act for the purposes therein expressed. Sworn to or affirmed and acknowledged before me by Muriel Smith, the testatrix, this daY, P C r 1 l ~ , 2006. ,; ~el Smith, Testatrix Nota Public COMMONWEALTH F PENNSyLVANiA Notarial Seal Lor~ve pyaxtangTwap' ~NijaUrpyhPn Countyty My Commission Expires Jan. 29, 20(iS Member, Pennsylvania Association of tvo!aries Page 11 COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN We, S.~.s~,~, ~ ~~~ ,~ ~ and (,lC ;,~~,,~ },~,~,~~~_~ the witnesses whose names are signed to the attached or forego' g instrument, being duly qualified according to law, do depose and say that we were present and saw the testatrix sign and execute the instrument as her Last Will; that the testatrix signed willingly and executed it as her free and voluntary act for the purposes therein expressed; that each subscribing witness in the hearing and sight of the testatrix signed the will as a witness; and that to the best of our knowledge the testatrix was at that time 18 or more years of age, of sound mind, and under no constraint or undue influence. Witness \\ ~~ n . ' ~ Witi~~ss ~) a-' Notary blic COMMONWEALTI-1 OP PENNSYLVANIA Notarial Seal Amy M. Moya, Notary Public Lower Paxton Twp., Dauphin County My Commission Exprres Jan. 29, 2068 Member, Pennsylvania Association of Notaries Page 12 FIRST CODICIL TO THE WILL OF MURIEL SMITH COO p~ I, MURIEL SMITH, of Harrisburg, Dauphin County, Pennsylvania, declare this to be a First Codicil to my Will dated April 11, 2006. FIRST: I revoke Section 2.02 of Article Two of my Will. and substitute therefor the following new Section 2.02: ARTICLE TWO Specific and General Gifts Section 2.02 Continge::t Distribution of Tangible Per-sonal Property I give any tangible personal property not disposed of by a written memorandum to my children, to be divided among my children as they shall agree, in the following shares: Wendy Karen Smith 50% Holly Jan Smith 25o/a Corey David Smith 25% In case my children do not agree upon the division of the properly within a reasonable time not to exceed 6 months after my death, my Executor shall sell the property and distribute the net proceeds among my living children as indicated by the above percentages. My Executor shall incur no liability to any party for any decision made by my Executor with respect to either the division. or sale of my tangible personal property, and any decision made ~y my Executor shall be final and binding on all of my beneficiaries. SECOND: I add a new Section 2.05 to Article Two of my Will as follows: ARTICLE TWO Specific and General Gifts Section 2.05 Specific Distribution of Residence As soon as practicable after my death, my Executor shall sell my residence located at 101 Maple Avenue, Camp Hill, Cumberland 1 County, Pennsylvania, and distribute the net proceeds to my children as follows: Wendy Karen Smith 51)% Holly Jan Smith 2~% Corey David Smith 2:5% If one of my children is deceased, I give his or her share to my surviving children, pro rata. If all of my children are deceased, my Executor shall distribute the net proceeds from the sale of my residence as provided in Article Four entitled "Remote Contingent Distribution". THIRD: In all other respects, I confirm and republish my Will dated April 11, 2006. I signed this First Codicil to my Will on ~ (,~ ~ , 2007. ry ~ ~-- M RIEL SMITH On the date last above written, we saw MURIEL SMITH, in our presence, sign the foregoing instrument at its end. She then declared it to be a First Codicil to her Will and requested us to act as witnesses to it. We then, in her presence and in the presence of each other, signed our names as attesting witnesses, believing her at all times herein mentioned to be of sound mind and memory and not acting under constraint of any kind. ~. ~~ ~ v „ c~f~~~bv ~c~ ~~ ~~ ~o~( COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN We, ~y ~ . ~y`'~~ and x...15°v--, G ~ ~~ ~-e_~ ,the witnesses whose names are signed to the attached or foregoing instrument, being duly qualified according to law do depose and say that we were present and saw the Testatrix sign and execute the instrument as a First Codicil to his Last Will; that the Testatrix signed willingly and executed it as his free and voluntary act for the purposes therein expressed; that each subscribing witness in the hearing and sight of the Testatrix signed the will as a witness; and that to the best of our knowledge the Testatrix was at that time eighteen or more years of age, of sound :mind and under no constraint or undue influence. I, MURIEL SMITH, Testatrix, whose name is signed to the attached or foregoing instrument, having been duly qualified according to law, do hereby acknowledge that I signed and executed the instrument as a First Codicil to my Last Will; that I signed it willingly; and that I signed it as my free and voluntary act for the purposes therein expressed. ~2 KIEL SMITH, TESTATRIX Subscribed and sworn to and acknowledged before m by MLTRIEL SMITH, the Testatrix, and subscribed and sworn to before me` y 1'l ..~I~~ a and Sew--~ 1~ , 1~~e,~-e~ ,witnesses, on ~,h~ (q _, 2007. ~~1~~-- CUMMUNW~,~aLis•i C1r FC=(~NSYLVEINIA tvotarial ~-;pal Jacquel'sna M. iU1lr?<fesic, tVotary PuE;lic Lowar Paxton "t't~~r~.; l~aupftin Cuuniy My Crminrisyiun E~t;ir~.a& Unt. 25, 2010 Member, pears/Pd~nia ~issoclatian of N©iari9s