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HomeMy WebLinkAbout08-20-09r J 1505607120 REV-1500 EX (06-05) OFFICIAL USE ONLY PA Department of Revenue carry code rear Flle Number Bureau of Individual Taxes INHERITANCE TAX RETURN Po eox.2eo5ot 2 1 0 9 0 4 2 9 Hartisburg, PA 1712t3A601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 184 26 4925 02 23 2009 04 08 1935 Decedent's Last Name Suffix Decedent's First Name MI HARRY DOROTHY J (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 7. Original Ratum ^ 2. Supplemental Retum ~ 3. Remaintler Return (date of death poor t0 12-13-82) 4. Limited Estate n 4a. Future nHerest canpromise '~ 5. Federal Estate Tax Retum Required (da16 of deaM seer t2-12A2) Cv 1 ^ ~ g, Deceeent Died Tesleta (Anacn copy or wisp ~ T Decedent Malnlalnad a Livln®Trust (Attacn Copy al Trust) O 8. Total Number or Safe DepoaN Boxes U 9. Litigation Proceeds Received ~ t p. Spousal Poverty credit (date a deem bervreen 1231-81 ens i-f-95) C t t,Elecdon to tax under Sec. 9113(A) (Attach Sch. O) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAx INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number GEORGE F DOUGLAS. III ESQ. 717 299 6333 Firm Name (N Applicable) SALZMANN HUGHES PC First Ilne of address 359 ALEXANDER SPRING ROAD, SUITE 1 Second line of address Clty or Post Office State 2.IP Code CARLISLE PA 17015 correspondene's a-mail address: 9 d o u g l a s @s a!z m a n n h u g h e s- c o m Untler penalties or papury, I declare that I have examined this return, inclutling accompanying schetlulesand a is true, correct antl wmplete. DeGaration of preparer other titan the personal represerttahve is based on all Cart 2077 Reservoir belies, 'J` ~+. DATE mot/-\a/(`L/,~~,/--~ George F. Douglas, III Esq. ~ f~v~~~ q Salzmann Hughes, P.C., 354 Alexander Spring Road, Suite 1, Carlisle, PA 17015 L Side 1 1505607120 15056D7120 REGISTEI~~VILLS U~ONLY rT~ a , ,Iz`-'ca ~ 4- c7 ~ ~ ~ c ~'x~. r- -..-.cam r~i. c ~:i `~ ~ `~ _. ' ~C ~17~ ~TE FILED N ~~ ~(~~ `,~ .J 1S056D7220 REV-1500 EX Decedent's Social Security Number oePoaam•aName. Dorothy J. Harry 1 8 4 2 6 9 9 2 5 RECAPITULATION 1. Real Estate (Schedule A) ....................................................................................... ... 1. 5 7, 0 0 0. 0 0 2. Stocks and Bonds (Schedule B) .........................................................................:... .. 2. 3. Closety Held Corporation, Partnership or Sole-Proprietorship (Schedule C)....... ... 3. 4. Mortgages 8 Notes Receivable (Schedule D) ....................................................... ... 4. 5. Cash, Bank De osits 8 Miscellaneous Personal Pro e ) p p Ay (Schedule E .............. .. 5. 3 0 3 6 0 0 6. Jointly Owned Property (Schedule F) ~ Separate Billing Requested ........... .. 6. 5 9 4 4 $ 7. Inter-Vivos Transfers 8 Miscellaneous Non-Probate Property (Schedule G) ~ Separate Billing Requested ........... .. 7. 2 2 0 0 0 0 0 S. Total Gross Assets (total Lines 1-7) ..................................................................... .. g. 7 2 5 8 0 4 8 9. Funeral Expenses $ Administrative Costs (Schedule H) .................... _:......`.. .. 9. 9 2 3 6 6 6 10. Debts of Decadent, Mortgage Liabilities, & Liens (Schedule 1) ............................. ... 10. t 1. Total Deductions (total Lines 9 8 10) ...................................................:............... ... 11. 4 2 3 6 6 6 12. Net Value of Estate (Line 8 minus Line 11) .......................................................... ... 1~2. 6 8 3 9 3 8 2 13. CharRable antl Governmental BequesWSec 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. 6 8 , 3 4 3 .. 8 2 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal lax rate, or transfers under Sec. 9116 (a)(1.2) X .00 0 0 0 15. 0 0 0 15. Amount of Line 14 tazable at lineal rate X .045 0. 0 0 18. 0. 0 0 17. Amount of Line 14 taxable at sibling rate X .12 0 0 0 17~ 0 0 0 18. Amount of Line 14 tazable at collateral rate X .t5 6 8, 3 4 3. 8 2 18. 1 0, 2 5 1. 5 7 19. Tax Due .................................................... ................................................. ............... . t9. 1 0, 2 5 1, 5 7 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. ^ 15O56Q7220 Side 2 15D560722D REV-1500 EX Page 3 Decedent's Complete Address: File Number 21-09-0429 DECEDENT'S NAME Dorothy J. Harry STREET ADDRESS 2077 Reservoir Drive - ~-_-- - ~ CITY - ~ STATE Carlisle PA ZIP -~-- ~ 17013 Tax Payments and Credits: 1. Tax Due (Page 1 Line 19) 2. Credits/Payments A. Spousal Poverty Credif g. Prior Payments C. Discount 3. InteresVPenalty if applicable p. Interest E. Penahy 9,720.85 511.62 Total Credits (A + g + C) Tolai InteresVPgnatty (D + E) 4. If Lina 2 is greater than Line 1 + Line 3, enter~the difference. This is the OVERPAYMENT: Check hox 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. g. Enter the total of Line 5 + 5A. This is the BALANCE DUE. Make Check Payable to: REGISTER OF W1LLS, AGENT (1) 10,251.57 (2) 10,232.47 (3) (4) (5) 19.10 (5A) (5g> 19.10 PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS t. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred :.................................................................................. [~ z; b. retain the rght to designafe who shall use the property transferred or its income :............................ _...... r- c, retain a reversionary interest; or .................................................................................................................. ~ x d. receive the promise for life of ekher payments, benefits or care? .............................................................. CI i x 2. If death occurred after December 12, 1962, did decedent transfer property within one year of death without receiving adequate consideration?.........._ ......................_................................................................................... -- L~ 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death?......... ~i, [1 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which wntains a beneficiary designation? ............................................................._........................................._............ r~ _ ~~ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. -- or a es o eat on or a er 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 ai the surviving spouse is zero (0) percent (72 P.S. §9116 (a) (1.1) {ii)]. The statute does not ezemot a transfer to a surviving spouse from lax, 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 tvrenry-one years of age or younger at death to or Tor 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 taz rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-halt (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 p2 P.S. §9116 (a) (1.3)]. A sibling is defined under Section 9102, as an individual who has a! least one parent in common with the decedent, whether by blood or adoption. Rav-fa03 EX* (6-N) SCHEDULE A REAL ESTATE LOMMONKEPLTN OF PENNSVLVpNIe INHERITPNCE TN%RETURN RESIDENT DELEDENT ESTATE OF (FILE NUMBER Harry, Dorothy J. 21-09-0429 IUI rosl property ownao wlaly or se • tsneM In common mWl M nportatl st flir msfket value. Fair manatt veWe is a7agrreC as tM pMx at wDitr property woultl De excDangetl Delween a willing Dwyer arW a willing seller, r~eilher Daing cpmllelletl to ron pr sell, Doth having reasonable knowletlge of the relevant fads. Rssl property whleh Is )almly-OwneE whh flgM of survlvorohlp must ba elscbsatl on schetlule F. (r more space is neetletl, atltlitional pages Of the Game size) Copyright (c) 20L)2 form software only The Lackner Group, Inc_ Form PA•1500 Schetlule A (Rev. 6-98) Rw.tb08 E%w JB.BE) SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY DOMAIONWFALTN OF PENNBYLVPNIh MHERRANCE TRX RETUPN RE&DENTDECEDENT ESTATE OF FILE NUMBER Harry, Dorothy J. 21-09-0429 Induce the proceeCS a Ntigation aM the Cate Ue proceetls were receiveE by tha esters. All propeRy Jolntly.PVmeq wlm the nyM of survivorship must bs ElscloeaE on wMCUIB F. tlr more space is neetletl, atltlitional pages of the same size) Copyright (c) 2002 Corm sotlware only The Lackner Group, lnc. Form PA•1500 Schetlule E (Rev. 6-98) Revdb09 EX~ I6-1M) LOMAIONWE0.TH OF PENNBYLVANIA INHERITANCE TAX RETURN RESIDEM OELEOENi SCHEDULE F JOINTLY-OWNED PROPERTY ESTATE OF FILE NUMBER Harry, Dorothy J. 21-09-0429 k an asaN waa maM IOIM vAMln one year o/ Iha tlscetlsM'a tlala or tlsaM, k must I» rapollatl on achatlula G. SURVIVING JOINT TENANT(S) NAME ADDRESS RELATIONSHIP TO DECEDENT A. Carl Meyer 2077 Reservoir Drive Friend Carlisle, PA 17013 B. C. JOINTLY OWNED PROPERTY: ITEM NUMBER LETTER FOR JOINT TENANT DATE MADE JOINT DESCRIPTION OF PROPERTY INCLUDE NAME OF FINANCIAL IN$T17UTIDN ANO BANK ACCOUNT NUMBER OR SIMILAR IDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY-HELD REAL ESTATE. DATE OF DEATH ALUE OF ASSET % OF pECD'S INTEREST DATE OF DEATH VALUE OF DECEDENTS INTEREST 1 A 61511986 M8T Bank, Classic Checking Account 1,088.96 50.000% 544.48 No. 889343 TOTAL (Also enter on Line 6, Recapitulation) I 544.48 (tt more space is neetletl, atlGitional pages of me same size) Copyright (c) 2002 form sDnware only The Lackner Group, Inc. Form PA-1500 Schedule F (Rev. 6-98) Rev-1610 EX. 18-98) SCHEDULE G INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY COMgON W EALT1 OF PENNSnVANIA INHERITNVOE TPX RETURN RESNK:M CECEOENT ESTATE OF FILE NUMBER Harry, Dorothy J. 21-09-0429 Thia schetlule must De camplete0 eM BNrE it the enawer to qny of QYBEUpna 1 Ihmuph 4 on tha reverse gitle M the REV-1500 COVER SHEET is yes. ITEM NUMBER ~ INCLUDE NAME OF TRANSFEREE, THEIR RELATIONSHIP TO DECEDENT AND THE DATE OF TRANSFER. ATTACH q COPY OF THE DEED FOR REAL ESTATE. DATE OF DEATH VALUE OF ASSET w of Decos INTEREST EXCLUSION (IF APPLICABLE) TAXABLE VALUE 1 M&T Bank, IRA Account No. 12,000.00 100.000 12,000.00 TOTAL (Also enter on Line 7, Recapitulation) I 12,000.00 (If more space is neetleo, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule G (Rev. 6-96) REV-1161 EX~(11-99) COMMONWEALTH OF PENNSYLVANIA ~N RESIDENTEDECEDENTRN SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER Harry, Dorothy J. 21-09-0429 Debts of decedent must be reported on Schedule I. ITEM DESCRIPTION AMOUNT NUMBER A, FUNERAL EXPENSES: B. 1. State Zip 2, Attorney's Fees SALZMANN HUGHES PC 3,500.00 3. Famiry Exemption: (It decedent's address is not the same as claimant's, attach explanation) Claimant Street Address City State Zip Relationship of Claimant fo Decedent 4. Probate Fees 189.00 5. Accountant's Fees 6. Tax Return Prepares s Fees 7. Other Administrative Costs 537.66 See continuation schedulelsl attached TOTAL (Also enter on line 9, Recapitulation) 4,236.66 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H (Rev. 6-g8) ADMINISTRATIVE COSTS: Personal Representative's Commissions Social Security Number(s) / EIN Number of Street Address City Year(s) Commission paid SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Harry, Dorothy J. 21-09-0429 ITEM NUMBER DESCRIPTION AMOUNT Other Administrative Costs 1 Carl Meyer -payment to S.W. Barret! Real Estate & Appaisal Services for appraisal 225.00 of real estate 2 Recorder of Deeds -record deed 39.50 3 Salzmann Hughes, P.C. -reimbursement for expanse paid to the Cumberland Law 75.00 Journal for Legal advertising 4 The Sentinel -Legal advertising 198.16 H-B7 Subrotal 537.66 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H (Rev. 6-98) FEY-0b1l EXi Ie-bo) SCHEDULE J COMMONWEALTH OF PENNSYLVANIA BENEFICIARIES INHERITANCE TA%RETURN FESIDENT DECEDENT ESTATE OF FILE NUMBER Harry, Dorothy J. 21-09-0429 NAME AND ADDRESS OF RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE NUMBER PERSON(S) RECEIVING PROPERTY DECEDENT (Words) ($$$) tw Noe un Trun I TAXABLE DISTRIBUTIONS [include outright sppousal tllslrlbutlons, antl transfers under Sec. 9116(a)(1.2)] 1 Carl Meyer Friend All of Schedule 88,343.82 2077 Reservoir Drive F 8 G Items Carlisle, PA 17013 Residue Total 88,343.82 Enter dollar amounts for distributions shown above on )fines 5 through 1 B, as appropn ate, on Rev 1500 cove r sheet II. NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELEC710N TO TAX IS NOT BEING MADE B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART 11-ENTER TOTAL NONTAXABLE DISTRIBUTIONS ON LINE 13 OF REV•1500 COVER SHEET O.OO Copyright (c) 2002 form sokware only The Lackner Group, Inc. Form PA•1600 Schedule J (Rev. 6-98) © -"-~ 499 Mitchell Street, Millsboro, DE 19966 May 18, 2009 Salzmann Hughes, P.C. Attorneys at Law 354 Alexander Spring Road Suite 1 Carlisle, PA 17015 RE: Estate of Dorothy Harry Date of Death: February 23, 2009 Social Securitp Number: 184-26-4925 Dear Mr. Douglas: In response to your request, please be advised that at the time of death, the above- named decedent had on deposit with this bank the following accounts. 1. Account Type ........................... Checking Account Account Number ....................... 689343 Ownership (Names off .............. Dorothy Harry, Carl Meyer Opening Date..:...' .........: .....:_ ....06/ 05/ 86 Balance on Date of Death.........$1,088.96 Accrued Interest $ 0.00 Total ....................................... $1, 088.96 2. Account Type ........................... Checking Account Account Number ....................... 835455 Ownershup (Names ofl .............. Dorothy Harry Opening Date ...........................04/09/ 87 Balance on Dafe of Death.........$3,036.00 Accrued lnteresf $ 0.00 Total ....................................... $3, 036.00 ~ Page 2 3. Account Type ........................... Individual Retirement Account Account Number ....................... 35004110107578 Oumerslup (Names off .............. Dorothy Ham Opening Date ...........................05/27/04 (account closed 04/ 14J09) Balance on Date of Death.........$11,917.67 Accrued Interest $ 69.31 Total .......................................$11,986.95 The above named decedent did not have a safe deposit box. May 18, 2009 * If upon reviewing the information above, you believe there are additional accounts not referenced, please provide us with an account number and/or the 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, please contact our North Middleton Branch at 1958 Spring Road, Carlisle, PA 17013, or # 717-240- 4521. Sincerely, Charlene Warrington, Adjus ent Services 1-888-502-4349 S. W. Barrett Real Estate 8 Appraleal Services Summary Appraleal APPRAISAL OF LOCATED AT: 2077 Reaervolr DNve Carlisle, PA 17013-4803 FOR: Carl Meyer 2077 Reservoir Drive Carlisle, PA 17013 BORROWER: lClienh. Carl MEYER AS OF: February 23, 2009 BY: Stevan W. Barrett, SRPA, SRA, ASA PA CeKifiad General Real Estate Apprefaer S. W. Barrett Real Estate 8 Appraisal Services Summary Appraisal Carl Meyer 2077 Reservoir Drive Carlisle, PA 17013 File Number: 09-0165 Dear Mc Meyee In accordance with your request, I have appraised the real property at: 2077 Reservoir Drive Carlisle, PA 17013-4803 The purpose of this appraisal is to develop an opinion of the market value of the subject property, as improved. The property rights appraised are the fee simple interest in the site and improvements. In my opinion, the market value of the property as of February 23, 2009 is: ;57,000 Fifty-Seven Thousand Dollar The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, limiting conditions and appropriate certifications. Reapecttully submitted, __.a . ,_- Steven W. Barrett, SRPA, SRA, ASA PA Certified General Real Estate Appraiser a. w. narren real cara[e n npprarser uerv]ues Summary Appraisal UNIFORM RESIDENTIAL APPRAISAL REPORT Fila No. 09-0165 VPro Adtlresa 2077 Reservoir DNVa Ci Carlisle State PA L Coda 17013-4603 Le el Desai tion Dead Book 27M Pa a 984 Coum Cumberland Assessa's P«cel No. 29.18.1094-005 Tex Year 08-09 R.E. Taxes 5 i 358.82 S del Assessments $ None Borrower ICllent: Carl MEYER Current Ovma Haf Doroth J. Oau enC X Owrrer Tenant Vacant „ Pra art rl Mae eised X Fee Si b Leasehak Pro'ectT a PUD Condominium HUDNA On HOAS NIA IMO. Na hbarhootl a Pro'ec1 Name North Middleton ToWnshi Ma Relevance 16.1094 Census Trad 0179.OZ Sala Price 8 N/A Date of Sala N!A Desai tion and S amount of loan char enlCpnRBniona lO ba d eater N/A Lend«/Client Cerl Ma er Atlaeas 2077 Reservoir Drive Carlisle PA 17013 rais« Steven W. Barrett SRPA SRA ASA Address 505 South Hanover St Carlisle PA 17013 Location lhban X Suourban Rursi Built up W«75% X 2S?5% Under 25% Growth rate Rapid X Stable Slow Predominant occupancy ~ X Own«75°h Sinyyb family houdnp sIR~CE AmE 75 Law NeW Pnnnt knd we% One fam4y 75°h 2Alamity 10 Land wechanBe ^NOt likely ^Likely XX In pocess inaeasing X Stable Oedining Prop«ly values Tenant 500 Hi h 100+ Mulli.fendy 10Ye To: R6aidantlal _ Demanelsupply 3hataga X In basnm OFnwppy X Varard(a5%i Natlominant Camrerdal 5% M«ketin time Untl« 3 mos. 3.6 mos. X Over 6 mos. urea wr, sx 150 35 Note: Race and the rectal eompodtlon of the nslphborhootl era not appnbal factors. Neignborhooe boundaries ens charactenstica, Sub act h bounded on the noRh b Rt. 944 east b Wolfs Sr(d a Roatl south b Interstate 81 west b Rt. 74. Factors that effect ihs marketability of the properties in the neighborhootl (proximity to employment and amenities, employment stability, appeal to market, etc.): ~ There ere no adveres facture to attecl markebbilit of sub act. Diveroe abbla em to ant end all su rtin amenities are '• within eas drivin dlsbnce. SMSA 3240 i Market conditions in the subject naighborhoptl (including fupport for Ina above conclusions relatetl la the frond of prop«ty vaiuee, demantlNuDDN. and marketing time - ~ such ore data on campelitive properties for sale in the neiBhborhaod, description of the prevalence o/ sales and finandnp concesaiona, etc.): Pro values current) are stable. Local multi-Ilst data indicates an avers a marketin time of 90-180 da .Economic trends and lendlnp rates have remained favorable. Sales concessions are oeeurin more fre uantl • however there la no known revelanee of unusual seller finanein concessions orb downs. There are new homes under eonatruetion in surroundin davelo marsh ac well as resales avatlabla in the net hborhood. Project Information for PUDe (Ii applicable)-- Is the tleveloperNuiker in control of the Home Owners' Aasodation (HOA)? YES NO Approximate total number of units in the eubjed projem N/A Approximate total numb«of unik for sale in the subjea project N/A Desaibe common elements and reueelianal facilities: NIA Dimensions 100 x 125 - TapopraDhy Level to sIi htl rollin Site area 12,500 Sg.Ft Cana Lot Yee X No Size T Zeal for of site Specific zoning dassigcetion antl tlascription R2 Reaidentfal Shape Recbn ular Zoning mrnpliance ~LeBal Legal rrarmrrbmnp (C+arMlattrsed arse) Illegal Nb zoning DabaAe A aro ads uab wheat 6 beat use es improved: X Present me Olha uee ax kk N/A View T fcal fof area Ulllitlea Public Other 0/4sxe lmprovemenb Type Public Povate LanerOaph9 ~ AVere a Eledridty PPL Street Asphalt X Driveway Sudece As halt ~ Ges Cablgutta None Apparent eeaemmk Unknown none obNrved Water X SiOawalk Nona FEM4 Spedel Fbod Hazard Area Yes X Nc SenitarY Sewer X Street lgnta Overhead in aVeet X FEMA 2aroC Map Oek 0 410111 9 8 2 Slam sewer All None FEM4 Ma No. 42038700108 Comments (apparent adverse easements, enapachmenis, special aueasmente, elide areas, illegal or legal nonconforming zoning, uee, etcg There aro n0 a event adverse easemenb encroachmenb or a eial assesamenb a sreM to this site. GENERAL DESCRIPTION EXTERIOR DESCRIP110N FOUNDATION BASEMENT INSULATION No. of units One Founearen Conc. Pears Slab No Mea Sq Ft. N/A Root X No. of States Ona Ext«ror WaNS Vin RMebl OaASIa Unfinished %Finkhed NIA Ceang Type (DeLIAtq Detached Root Surface Shin Ie Basement None Ceanp NIA Wah X Design (Style) Mob. Hm. Gutt«sB Denepk. Aluminum Scarp PUry NOne wow NIA ~ Fkxr X ExislinglProposetl Exiatin window Type Metal Dampnw Nona Fbor NIA None Age (YrsJ 34158 StamlSaeens Yes Settlement Nona OukUe Fnay NIA u,e„wm EMedive a vre. 25 Manufadaed House Yea Infealadan None R Factors Unk. • ROOMB Fc ar livi Dinin Kitchen Den Farm Rm. Rec. Rm. Bedrooms s Belhn Lam Oeh« Mee S .FI. easement 0 Levelt 1 1 1 1 3 2 Area x 1 220 • Level2 _ O • 0 Finisnetl «ee sbovs atle contains: 7 Roomc~ 3 Beboom s ~ 2 Bat s ~ 1 220 S u «e Feet of Grose Lnnn Mea INTERIOR MalenalalCWeaicn HEATING KITCHEN EQUIP. ATTIC AMENITIES CAR STORAGE: Floors Ca t 6 Vin I Type FHA Retig«ata X None X Fieplaoe(s)a _ None aX • Welh Penellin Fuel Oil Range/Oven X Skive Pelio G«age None col pre TrimlFinieh Wood CondiponWorkin Deposal Drop Stair Deik Anedretl Beth Floor Vin i COOLING Dishwasher Sartlb Porch Two X DMachetl Beth Wainamt Panelin Central N/A FanlFbptl X Fbor Fence Buittin Does Wood Om« N/A Miapwave Heetsd Pool Carpprl CandsonN/A Waeh« « Flniahed Drivewa Aa halt Aemtonel feataes (special energy efficient items, etc.): Coverod front oroh Enel0aetl resr rah Two store a sheds Two built In store e rooms with exterior entries. Rooms are small la out is cho Condition of the improvements. depreciation (phyeicel, functional, and external), regain needeO, quality s/ wnaauction remotleiingkdtlitione, etc.: Bab set ie two mobile homes ioinetl to0ather aide b side with en wa cut between the uniW. Roof trusts built over combined dwellin unih. Mobilo Noma a 1 is a 10' x b0' 1960 Sk ins Mobile home a 2 is a 12' x 80' 1975 Libe .The Im rovamenb • era in fair to avers a condition. Thor fluorin in both unite felt soft at various locations. Some u stirs re aired throw bout. Adverse environmental cnndilions (such as, but not limited to, hazertlous wastes, toxic aubstences, att.) Dresent in the improvements, on the site, or in the immetliete vicinity of the subject property. No advaroe environmental eonditlons are a arenVdiselosed. FeaE~e M6FVml0 F9] pAfiE tOF2 Fmnle N~Fmm IW16n M1wuaf vrn3+:l nw,n,. Ml }}, b1'rmr+ee mn a. w. narrees r<nar oesasv a npp,ma.r ov, e,.e= Summary Appraisal ' , UNIFORM RESIDENTIAL APPRAISAL REPORT FII.Na. o9-olss Jaluatlon Sacl on tSTIMATE051TE VALUE . ... ........... .......' $ ESTIMATED REPRODUCTION COST~NEW Of IMPROVEMENTS: Dwelling Sq. FL @ $ _ $ __ Sq. Ft. @ $ 30 000 Comments on Cast Approach (ouch es, source of cost eatimaie, site value, square foot calculation end for HUD, VA end FmHA, the estimated remaining ewnomic ilia of the property)'. Coat new from Marshall Swik Valuation Service - Handbook and local cost anal is was condsidered but Ft. @ $ sq GaagarCapat deemed not credible due to the ape of the . _ roial Es6malee Gost New ' $ improvements. Depreciation befBd on a ellife observed Lees Physical ... Functional External Eet. Remaining Eton Lire : 10 condition and Market DaL Anal ale. Land value from • DePedelbn . g Market Data Com orison. ° E Depecislad Value ai Improvements ................ °E "AS-la"Value o/Bile lmprovemente .. ... .. .. .... INDICATED VALUE BY COST APPROACH - N IA ITEM SUBJECT COMPARABLE N0. t COMPARABLE N0.4 COMPARABLE N0. 3 2077 Reservoir Drive Aeeress Carlisle 1920 Maplewood Drive Carlisle 19 Harmony Hall Drive Carlisle 36 Harmony Hall Drive Carlisle Proximit to sub'em sales Price PiceMrws LN. Prea f N/A E 0.00 C 0.47 MI SE $ E 48.88 0 59 500 ' 1.7 MI SE E 65 000 E ~ ~ 60.30 01 '. - 1.6 MI SE E 75 000 f 79.98 0 Data anemr Vaigcetion Sources CPMLS/Courthouse Racorda CPMLSICourthouse Records CPMLSICOUrthouae Records VALUEADJUSTNEMS DESCRIPTION DESCRIPTION .-s DESCRIPTION ~~s m..n DESCRIPTION ~~IS salesa Fnanbng Concessions NIA NonelConv. DOM 198 NonalCash DOM 293 NonelCaah DOM 10 Dale of SaleRime NIA 112912009 111712008 911912008 Location Suburban Suburban Suburban Suburban LeasankLTee Fee Sim le Fes Sim le Fee Sim le Fee Sim le site .29 AelAV .16 Ae/Avg .39 AelAv .48 AclAv view Residential Residential Realdentlal Residential Desi n and sal Mob.Hm. I Av Mob.Hm. I Av Mob.Hm. I Av Mob.Hm. I Av ' MCaafisfm A e Avara a 34.58 Years Averse 32 Years Avara a 14 Years -5 000 Avers a 11 Years •6 000 Cgndigon Fafr to Avara a Avara a •3'/ -1785 Avara a -3% -1950. Avers a -3% •2250 Above Grade rma ' emm ' s.a, rev ' ears. ' ear. iw' ewm. ' ae. *~' aem ' sane . Room COUnt 1 7~ 3'~ 2.D0 b~ 2'~ 1.00' 2,000 5~ 3~ 2.00' 5~ 3~ 2.00' Gross Living Nea 1 220 S .Ft. 1 287 5 .Ft. 0 7 078 5 .FI. - 2 100 938 S ft. 4 200 6saemem 6Fmished Rooms Bebw Grade OSq.Ft. None ' None None Functional UINi Fair to Avara e 2 Bedroom 0 Avara a -2 000 Avara a -2 000 ' Hearin ICOOIin OFHA/NOne OFHAINOne ~ HP/CA -2 000 HPlCA •2 000 ~ E ElfirJem uerrm None None None None Gana elGar None 1 C Gara a -2 500 None i~C Ca ort -1 500 - Pacn, Patb, Dece, Fire lace s etc. PorchlEnclPOrch DeeklPoreh CovrdDaek/1FP Porch 7,000 Fence, POOl, etc. None None Ngne Nona ' Nel Ad'. total « X - ' E 2 286 « X - ' E 8 BSO X - 7 560 Atljusted salsa Price Grose: 10.8%. Orpga:.20.1% ' ~- Oraui 23.9% of Com aabb Nat:.' -3.5 57 215 NMF. -13.8%" ! E 68 150 NeM -10.1% '. : E W 460 Comments on Sales Comparison (including the aublect prapertY's cpmpatibllily to ins neighborhood, etc. ): All tlOm arsblas are aimllaf in a le utili and location to the sub'ect ro are verified closed sales ran a of value fs f58 000 to 87 000. ITEM SUBJECT COMPARABLE N0.1 COMPARABLE N0,2 COMPARABLE N0.3 Oats, Price and Data Soute ra pna-sales within vea or appraisal 111717977 54,800 CHR 81112007 579,000 CHR 9117/1991 519,000 CHR 5/1712005 -411815002 51.00.535,000 CHR Analysis at any cunent agreement of sale, option, a listing of the cubism Popery No further recorded salsa within three an were found. ens anaysis M any Pdorseks olsuged aq angaabn witlm anevea aldre date olappata: INDICATED VALUE BY SALES COMPARISON APPROACH , , , , , , , , ... , E 57 000 INDICATED VALUE BY INCOME APPROACH M Na Estimated Market Renf S Ab. x Gmae Ram A Th50pP019a le mdtle X •aa l!' albiIXl tp ttRletlOla, aEeatnM, kapadMb aD]nddala hlOd beLM' DUbfldta WlllpNlllpa paM and 6DadAfBtCfe, Conditions or Appeisaf. A ralsal fa for client onl norRrsnsfersble. Pnel Reanciliation. The Direct Sales Com arlaon A roach was utilized to arrive at a final value conclusion for the sub act pro0erty. The Cost and Income A roaches were not utilized. • The purpose of ihls apprasal is to estimate the market value of the real prgDerry met u the aubjed or Mis repot, based an Me above conditions and Hie artlknfan, mnagerrt and limiting Conditions, end market value tlefinilion Mal are statedn the atlechetl Fema Mac FOnnl3BFennie Mee Form 70018(Revised 8193 ). I(V1'E)ESTIMATE THE MARKET VALUE. A6 DEFINED, OF THE REAL PROPERNTHAT IS THE SUBJECTOFTH181a90Rf,ASOF FabNe 23 2009 (WHICHIB THE DATE OF_IaaP=CTIO ANI ~AJ?EFFECTIVE DATE OF THiB REPORr)TO BEf 67,000 APPRAISER; S /} ,_/j/( SUPERNSORY APPRNBER (ONLY IF REWIREA): signature SBnatae ^Did ^Did NOI Name Steven W. Barrett, SRPA, BRA. ASA Nacre Inaped Properly Oats Report Signetl 04117/2009 Oate Re Si ned State Cenificetion # GA000298L slate PA state Ce~cetion # state Or state Licsnsa# R8026921A State PA Or Stara Licensee stale r,ma. cox ran ro s»e a Ie mere ee PAGE 20F2 rww. u.. vain tool sn Estate Appraiser ^M~-^^,~^'a ::+-"..•.*o ax nr; ....,...,:«. S.W. Barrett Real Estate 8 Appraisal Services FLOORPLAN Enclosed Porch 50.0' Storage Bedroom Bath Bedroom Dining Room c Storage tg.a a N N .O Bedroom Den Living Room Kitchen r , Bath Porch Sketch by Apex lV Windows"' AREA CALCULATIONS SUMMARY Code WecdplOn 81re Tubb GWS Fiat Floor 1420.00 1440.00 TOTAL LIVABLE (rounded) 1220 LIVING AREA BREAKDOWN enekdown eubcObb Hrac Floor 14.0 x 60.0 740.Oo 10.0 x 50.0 500.00 2 Areas Total (rounded) 7220 Borrower: (Client: Carl MEYER ~ ~ File No.: 09-0165 Property Address: 2077 Reservoir Drive Case No.: Summary Appraisal .City: Carlisle ___ ___ Slate: PA Zip: 17013-4603 Lender: Carl Me er FRONT VIEW OF SUBJECT PROPERTY Appraised Date: February 23, 2008 Appraised Value: $ 857,000 REAR VIEW OF SUBJECT.PROPERTY STREET SCENE COMPARABLE SALE#7 '~ _- ~.. i, ~' 1920 Maplewood Orlve Cariiale Sale Date: 1!29/2009 Sale Price: $ 59,500 " COMPARABLE SALE#2 79 Harmony Hall Drive Carlisle Sale Date: 111712005 Sale Price: S 86,000 COMPARABLE SALE#3 38 Harmony Hall Oriva CeAiale Sale Date: 9H 912008 Sale Price: $ 75,000 PteF 0ers9 or. _.. LOCATIO.=~ Summary Appraisal *""•'"*«" QUALIFICATIONS "`"'«'"'" The following checked items era SPECIFIC SPECIAL CONDITIONS that ware Idemiped by this apprelser during the inspection of the subject property, the compenbles sales, and their neighborhoods and locations. Unless otherwise noted, the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT 7HE MARKET VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home Inspection service. This is an appraisal to estimate market value. , _1. The subject is located In a rural area and is less than 26 % built-up. _x_2. Commercial/lntlustrial uses are located within the subject's neighborhood. These uses are typical of similar neighborhoods. _3. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for the area. _4. Tha predominant value in the neighborhood is leas than that of the market value of the subject property. This is due to the very wide range of value of properties In the area and superior quality of the subject property. _5. The subject properly Is located in a F.E.M.A. Identified Flood Zone. Flood insurance coverage b required and suggested. _6. Dampness is noted In the basement of the subject Sbnding or running water was not present on basement floor. This condition is considered typical In dwellings of this style. _7. The subject property is serviced 6y private well andlor septic systems which is common for the area. _x_8. Tha subject is older than five(5j years. All mechanical systems including the heating, electrical and plumbing systems appear upon a visual exbrfor inspection to be in working ortlsr. No wamndes are implied In. this statement _9. Repair items were noted in the comments section of tM report. These commend on repair items are for deacriptfve purposes only and are not required repairs. The items listed are cosmetic in nature. _10. The basement Boor is a dirt Floor. This condition Is iommon and typical for the area. and does not pose a health or safety hanrd. _x_71. The subject property does contain functional obsolescence as noted in the report. This condition la considered typical and common for the area and tide style dwelling. _12. Tha land value exceeds 30 % of tool value due to the high demand for vacant land in this neighborhood. This condition is wnsidered common and typical for the neighborhood. _t3. The land value exceeds 30% of total value. This is due to the large size of the site. This condition is ransidercd to ba typical and common. _14. Individual adjustment were required that exceed 15%. These adjusbnanb were required due m Isek of more similar comparebles on that individual raring. All comperebles used are the best available. _15. Tobl adjustment exceed 26%. This is due re the lack Of comparable sales that ware more similar in the subject's market area. All comparebles used are the best available. _t6. One or more comparable sales are older than alx(5) months. Although there are comparable properties in the subject's area, none have sold recently; therefore, sales in exeasa of siz(S) momhs have to be used. All eompareblea used are the best available. _x 17. One or more comparebles used wen in exeasa of one (1j mile from the subject properly. Although there are comparable properfe6 In the Immediate area, none have sold recently. Therefore, It was necessary to use comparable sales outside of the immedbta area. All comparables used are located in similar neighborhoods and within the same marketing area. All comparebles used are tM best available. _78. The electrical system was not connected during Inspection. _i9. The water sarviw was not connected during inspection. ' _20. Tha heating system was shut down during inspeeton. ~'~ _21. Roofing-Plumbing_Eleetrical_Heating_certiNutlon(s) blaro suggested. _22. Inground swimming pool-, out buildings are ineludad_,not Inelutled_aeeoMing to lenders ~ guidelines. _27. According to lender's guidelines a maximum of_acres were considered for this valuation. Remaining ~, acreage was given no value. Summary Appraisal ""*"•""" QUALIFICATIONS """""* _20. The subject property is located on a private road. _26. Wood infestation Inspection Is suggested. x 26. Last recorded deetl transfer: Date_11171[877~ Consideration: 54,600 _27. Proposed construction/renovation in accordance to plena and apeciflcationa to be completed in a workman-like manner. _28. Seller Is paying part or all of closing coats. _z_29. All comparable sales are verified closed sales. _30. There are no special conditions or other requirements that would affect market value or future marketability In the Appraisal Report. Summary Appraisal «.....«.« QUALIFICATIONS «`""""«"' Confidentiality and Security Policy We consider pdvacy to be fundamenbl to our relationship with clianb. We era committed to maintaining the confidentiality, Integrity and security of clienb' personal Information. Internal policies have been developed to probct this confidentiality, while allowing client needs to tre served. Wo restrict access to personal information to authorized Individuals who need b know this information to comply with federel standards to probct your nonpublic personal information. We do not disclose this information about you or any former consumers or customers to anyone, except as permitted by law. The law parmib ua to share this information with our affiliates. The law also permib us to share this Information with companies that perform marketing. When we share nonpublic Information referred to above, the information is trade available for limited purposes and under comtrollad ciroumsbncas. We require third parties to eompy with our standards for security and. confientiality. We do not permit use of comaumarlcustomerfnformation for any other purpose nor do we permit third parties b rent, sell, trade or otherwise release or disclose information to any other pally. Education Aa of the date of thin report, I andlor Steven W. Barrett, SRPA, SRA, ASA have completed the requlremenb under the continuing etlucatton program of the Appraisal Inagtute. Summary Appraisal File No. 09.0165 DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under ell conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby; (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he 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) [he price represents the normal consideration for the property sold unaffected by special or creative (nancing or sales concessions' granted by anyone associated with the sale. 'Adjustments to the comparebles must be made for special or creative financing a sales concessiens. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in.a market area; these costs ere readily identifiable since the seller Days these costs in virtually all sales transactions. Special or aeative 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 coat of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the Finendng or wncesslans based on the Appraisers judgmem. STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is subject to the following conditions: t. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised s the title to it. The appraiser assumes that the title Is goad and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of a being under responsible ownership. 2, The appraiser has provided a sketch in the appraisal report to show approzimata dimensions of the improvements and the sketch is included only to assist the reader of the repot in visualizing the property and understanding the appraiser's determination of assize. 3. The appraiser has examined the available flood maps that ere provided by the Federal Emergency Management Agency (or other data sources) end 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 surveys, he a she makes no guarantees, express a implied, regarding thla determination. 4. The appraiser will not give testimony or appear in wort because he or she made an appraisal of the property in question, unless specific arrangements to do so love been made betsehand. ~, 5, The appraiser has estimated the value of the land in the cosrapproech at its highest and best use and the improvements at (heir contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if they ere so used. , 6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection pf the subject property s that he s she became aware of during the normal research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the aDpreisar hoe no knowledge of any hidden or unepparent conditions of the property or adverse environmental conditions (including the presence of hazardous wastes, tozic substances, etc.) that would make the property more s less valuable, and hoe assumed that there are no such conditions and~makes no guarantees or warranties, azpress or implied, regarding the condition of the property. Tha appraiser will not be responsible fa any such conditions that do exist or for any engineering or testing that might be required to discover whether such wndaions exist. Beeauae the appraiser is not an expert in the field of environmental hazards, the appraisal repot moat not be wnaidered as an envhonmental aasessmem of the property. 7. The appraiser obtained the iMOrmatlon, estimates, and opinions That were expressedin the appraisal report from sources that he or she considers to be reliahle and believes them to be true end correct. The appraiser does not assume responsibility fa the accuraq of such items that were furnished by other parties. 8. The appraiser will not disclose the contents of the appraisal report except es provided for in the Uniform 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 satisfactsy wmpletion. repairs, a alterations on the assumption that completion of the improvements will be pedamed in a wakmenWke manner. 10. The appraiser must provide his or her prior written consent before the lenderldient specified in the appraisal report wn distribute the appraisal report (including conclusions about the property value, the appraiser's identify and professional designations, and references to any professional appraisal organizations or the firm with which the apPralser is associated) to anyone other than the horrower; the mortgagee or Its successors and assigns; the mortgage insurer, consultants; proteasionel appraisal sgenizetions; any state or federally approved financial institution, or any department, agency, or instrumentality of the United States a any state or the District o1 Columbia; ezcept that the lender/client may distribute the property description section of the report only to data collection s repsting service(s) without having to obtain the appraiser's prior written consent. The appraisers written consent and aDProvai 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 Fwm 439 6-93 Pege t of 2 Fannie Mae Fan 10048 6-g3 1 Summary Appraisal Fib hb. 09.0165 APPRAISERS CERTIFICATION: The Appraiser certifies and agrees that: 1. I have researched the subject market area end have selected a minimum of three recent 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 significant variation. If a signNiwnt Item in a comparabre property Is superior to , w more favorable than, the subject property, I have made a negative adjustment to reduce the adjusted sales price of the comparable and, if a significant item in e comparable property is inferia to, or less favorable than the subject property, i have made a positive adjustment to inaeaae the adjusted sales price of the wmparable. 2. I have taken into consideration the factors that have an impact on value in my development of the estimate of merkel value in the appraisal report. I have not knowingly withheld any significant information from the appraisal report and I believe, to [he beat of my knowledge, chat all statements and mfamafion in the appraisal report are bus 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 (he contingent and limiting wnditbns specfied in ihia faun. 4. I have no present or prospective interest in the property that is the subject to this report, and I have no present a prospectNe personal interest or bias with respect to the participants In the transaction. I did no[ base, either partially or wmpletaly, my analysts antlla the estimate of market value +n the appraisal report ort the race, color, religion, sex, handicap, familial status, a 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 interest In the subject property, and neither my current or future employment nor my compensation fa penaming this appraisal is contirgent on the appraised value Mthe property. 6. I was not required to report a predetermined value or diroction in value that favors the cause of the client or any related party, the amount of the value estimate, theettainment of a specific result, or the occurrence of a subsequent avant in order ttl receive my compensation andlor employment for performing the appraisal. I did not base the appraisal repon on a requested minimum valuation, a sperAic valuation, a the need to approve a specific mortgage loan. 7. I performed this appraisal in conformity with the Uniform Standards of Professrprtal 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 Thal an estimate of a reasonable lime for exposure in the open merkel is a condition in the definition of market value and the estimate I developed is consistent with the marketing time noted in the neighborhood section of this report, unless I have otherwise slated in the reconciliaton aedion. 8. 1 have personally inspected the inferia and exterior areas of the subject property and the exterior of all properties listed as comparabies in the appraisal report. t further certify that J have noted'arty apparent or krrown adverse conditions b the subject improvements, on the suhject site, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustments far lheae adverse conditions in my anelyels of the properly 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. 1 personally prepared all conclusions and opinions about the real estate That were set forth in the aDPraieal report If t tetrad on significant professional assistance from any individual or individuals in the pedamance oflhe appraisal a the preparation of the appraisal repot, I have named such Individual(s) and di§GOSed the speWOc tasks performed by them in the reconciliation section of Ihis appraisal report. I certify that any individual so named Is qualified to penam the tasks. I have not authorized anyone to make a change to any item in the report; thaefae, g an unautha¢ed change is made to the appraisal repel, I wN take no responsihility fa a. SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal repot, he a she certifies and agrees that: I directly supervise the appraiser who prepared the aDPraieal report, have reviewed the appraisal repon, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking full responsibBity for the appraisal and the appraisal report. - ADDRESS OF PROPERTY APPRAISED: 2077 Reservoir Drive Carlisle. PA 17013.4003 APPRAISER: ~..~ i 1 Signature: ~~~"~ o" v ` "~" f Noma: Steven W. Barrett. SRPA. SRA ASA Date Signed: 0411 712 0 0 9 State CenAwtion#: GA000298L a State License A`. R8028921A State: PA Expiration Date of Cenibwflon a License: O6f 3012009 PA Certifleo General Rael Estate Appraiser SUPERVISORY APPRAISER (only NrequNed) Signature: Name: Date Signed: State Certifiration #: a State License #: State: Expiratan Date of Certification a License: ^ Did ^ Did Not Inspect Ropeny rretltlie Mac ham 439 6-93 Page 2 of 2 Fannie Mae Pam 10048 693