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15056041158 J REV-1500 EX (06-05> OFFICIAL USE ONLY PA Department of Revenue County Code Year File Number Bureau of Individual Taxes 21 0 9 018 4 Po Box 28oso~ INHERITANCE TAX RETURN Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 279-09-2522 12112008 04261919 Decedent's Last Name DRZAL Suffix Decedent's First Name LEO MI S (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name Spouse's Social Security Number FILL IN APPROPRIATE BOXES BELOW 1. Original Return ^ 4. Limited Estate 6. Decedent Died Testate (Attach Copy of Will) ^ 9. Litigation Proceeds Received MI THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS ^ 2. Supplemental Return ^ 4a. Future Interest Compromise (date of death after 12-12-82) ^ 7. Decedent Maintained a Living Trust (Attach Copy of Trust) ^ 10. Spousal Poverty Credit (date of death between 12-31-91 and 1-1-95) prior to 12-13-82) ^ 5. Federal Estate Tax Return Required ~ 8. i otal Number of Safe Deposit Boxes ^ 11. Election 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 CRAIG A• HATCH, ESQ• 717-731-9600 w Firm Name (If Applicable) REQISTER USE ON , GATES, HALBRUNER 8 HATCH, PC First line of address ~ i r 1013 MUMMA ROAD Second line of address - ,.... SUITE 100 M ~' ,~,. ~: City or Post Office State ZIP Code tE FILED. " . LEMOYNE PA 17043 Correspondent's e-mail address: C• H A T C H a~ G A T E S L A W F I R M• C O M . ~ ~''i ~,~__.~ ..:r-.~ ~.~ , r ~~ Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete. Declaration of preparer other than the personal rep entative is based on all information of which preparer has any knowledge. SI TURE OF PE,~tSOpl,$ES ~ISIBJ~E FOR FILING , RN DATE ~~~ 712 HARDING STREET ~ ~ \ NEW CUMBERLAND, PA 17070 SIGNATUR F PR THAN REPRESENTATIVE DATE ADDRESS ~' 101 MUMMA ROAD, SUITE 100 LEMOYNE, PA 17043 PLEASE USE ORIGINAL FORM ONLY ^ 3. Remainder Return (date of death Side 1 15056041158 6M46473.000 15056041158 J Estate of LEO S. DRZAL Executors (Page 1) Name Tena L. Embick Address 712 Harding Street New Cumberland, PA 17070- Tax ID 199-34-8914 Name Mary Lou Roe Address 1706 Kent Road 279-09-2522 Camp Hill, PA 17011- Tax ID 199-39-8402 15056042159 REV 1500 EX Decedent's Social Security Number 279-09-2522 Decedent's Name~D R Z A L LEO S REC APITULATION 1. Real estate (Schedule A) 1 • 2 610 0 0.0 0 2. Stocks and Bonds (Schedule B) . . 2. 3 0 7 . 0 0 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) • 3. 0 • 0 0 4. Mortgages S Notes Receivable (Schedule D). 4. Q . Q Q 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) . . 5. 2 0 0 8 6.0 0 6. Jointly Owned Property (Schedule F) ~ Separate Billing Requested . 6. 12 215 7.0 0 7. Inter-Vivos Transfers 8 Miscellaneous Non-Probate Property (Schedule G) ~ Separate Billing Requested . 7. 4 3 6 419.0 0 8 Total Gross Assets (total Lines 1-7). . 8. 8 3 9 9 6 9.0 0 9. Funeral Expenses 8 Administrative Costs (Schedule H) . 9. 2 0 8 3 9.0 0 10. Debts of Decedent, Mortgage Liabilities, 8~ Liens (Schedule I) . 10. 14 0 8.0 0 11. Total Deductions (total Lines 9 8~ 10) . 11 • 2 2 2 4 7.0 0 12. Net Value of Estate (Line 8 minus Line 11) 12. 817 7 2 2 0 0 • 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made (Schedule J) . 13• 0 • 0 0 14. Net Value Subject to Tax (Line 12 minus Line 13) 14. 817 7 2 2.0 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.o 0.00 15. 0.00 16. Amount of Line 14 taxable at linealratex.o4.5 817722.00 16. 36797.00 17. Amount of Line 14 taxable at sibling rate X .12 Q. 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. 36797.00 20. FILL IN THE BOX IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Side 2 15056042159 snnasas2.ooo 15056042159 REV-1500 EX Page 3 l1~~~J~.~LIw /~w r.IwLw Anl~rwww. Flls Number ~l. nq fII.AU rvvv~+v.. - - - ,DECEDENTS NAME DR A ~ STREET ADDRESS A . CITY AMP H STATE ZIP ' Tax Payments and Credits: 1. Tax Due (Page 2 Line 19) 2. Credits/Payments A. Spousal Poverty Credit 0 • 0 B. Prior Payments ~ • 0 ~ C. Discount 0.0 0 3. Interest/Penalty if applicable D. Interest ~ • 0 ~ E. Penalty 0 • ~ 0 (1) 36797.00 Total Credits (A + B + C) (2) Total Inten3st/Penafty (D + E) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Fill in box 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. (3) 0.0 0 (4) 0.00 (5) 3679? • 00 (5A) 0.00 B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (5B) 3 6 7 9 7.0 0 Make Check Payable tu: REGISTER OF WILLS, AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: X a. retain the use or income of the property transferred; transferred or its income; the ro ert h ll s h i t i h d 0 ^ p y p e w o s a u e gna g t to es b. retain the r ^ c. retain a reversionary interest; or ^ 0 d. receive the promise for life of either payments, benefits or care? 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death ^ without receiving adequate consideration? . " ~ ^ or payable upon death bank account or security at his or her death? . 3. Did decedent own an "in trust for 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which a ^ contains a beneficiary designation? IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. Fbr 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)J. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for 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. 8M4671 1.000 REV-1502 EX+ (11-08) Pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE A REAL ESTATE ESTATE OF FILE NUMBER LEO S . DRZAL 21 09 0184 All Heal 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 compelled to buy or sell, bdh having reasonable knowledge of the relevant fads. Real property tfiat is jointly-owned with right of survivorship must be disclosed on Schedule F. 8W4695 2.000 If more space is needed, insert additional sheets of the same size. REV-1503 EX + (8-98) SCHEDULE B COMMONWEALTH OF PENNSYLVANIA STOCKS ~ BONDS INHERITANCE TAX RETURN RESIDENT DECEDENT FILE NUMBER LEO S . DRZAL 21 09 0184 All property jointly-owned with right of survivorship must tie disclosed on Schedule F. 3W4896 1.000 (If more space is needed, insert additional sheets of the same size) REV-1504 EX+(Cr98) SCHEDULE C COMMONWEALTH OF PENNSYLVANIA CLOSELY-HELD CORPORATION, INHERITANCE TAX RETURN PARTNERSHIP OR SOLE-PROPRIETORSHIP LEO S . DRZAL 2109 0184 Schedule C-1 or C-2 (including all supporting information) must be attached for each Gosely-held corporation/partnership interest of the decedent, other than a sole-proprietorship. See instructions for the supporting information to be submitted for sole-proprietorships. REV-1507 EX + (B-98) SCHEDULE D COMMONWEALTH OF PENNSYLVANIA MORTGAGES St NOTES INHERITANCE TAX RETURN RECENABLE RESIDENT DECEDENT ESTATE OF FILE NUMBER LEO S . DRZAL 21 09 0184 All property jointly-owned with right of survivorship must be disclosed on Schedule F. 3wasAC ~.ooo (If more space is needed, insert additional sheets of same size) REV-1508 EX + (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, ~ MISC. PERSONAL PROPERTY ESTATE OF FILE NUN~ER LEO S. DRZAL 21 09 0184 Include the proceeds of litigation and the date the prooeeds were received by the estate. 3W46AD 1.000 (If more space is needed, insert additional sheets of the same size) REV-1509 Ex+ (6-98) SCHEDULE F CAIVMONWEALTH of i~edNSYLVANW JOINTLY OWNED PROPERTY INaFR~TA Nf`F TAX f~ErURN -_ - - ESTATE OF FILE NUMBER LEO S. DRZAL 21 09 0184 H an asset was made joint within one year of the decedent's date of death, it must be reported on Schedule Cs. SURV N ING JONYT TENA NT(S) NA AAE ADDRESS RELATIONSHIP TO DECEDf3~f'T A Drzal, Dennis L 1293 Kingsley Road, CAMP KILL, PA 17011 Son B Embick, Tena L 712 Harding Street, New Cumberland, PA 17070 Daughter C Roe, Mary Lou 1706 Kent Road, Camp Hill, PA 17011 Daughter JOINTLY-OWNED PROPERTY: ITEM NUMBER LETTER FOR JOIN TENANT DATE MADE JOMVT DESCRIPTION OF PROPERTY INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMIIO DYNHELD REAL SBEREATTACH DEED FOR DATE OF DEATH VALUE OF ASSET % OF DECD'S INTH~EST DATE OF DEATH VALUE OF DEC®B~I'f S MH~EST 1 B 4/15/2001 Wachovia Securities Account #2837-0340 WY38 190,340 50.0000 95,170 2 B 9/30/2005 Citizens Bank Time Deposit Account #6247-776301 25,398 50.0000 12,699 3 C 9/30/2005 Citizens Bank Time Deposit Account #6247-775984 25,398 50.0000 12,699 4 A 12/7/1998 US Savings Bonds (held a jointly with Dennis Drzal 3,178 50.0000 1,589 TOTAL (Also enter on line 6. Recaoitulaiion) ( $ 122 ,157 (If more space is needed, insert additional sheets of the same size) 3W48AE 1.000 REV-1510 EX + (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE G INTER VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY ATE OF NUMBER LEO S. DRZAL 21 09 0184 This schedule must be completed and filed if the answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes. ITEM NUMBE DESCRIPTION OF PROPERTY INCaIDE Tlf NOME of T}f TT7ANSFEREE, THEIR RELATIONSHIP TO DECEDENT AND TFE DATE OF TRANSFER. ATTACHA COPY OF THE DEED FOR REAL ESTATE. DATE OF DEATH VALUE OF ASSET , ~ /o OF DECD S INTEREST EXCLUSION IF APPIJCABLE TAXABLE VALUE ~• Citizens Bank Checking Account #6100681084 (ITF Mary Lou Embick and Tena L. Embick) 8,118 100.0000 0 8,118 2 Citizens Bank IRA Account #6250-058630 17,444 100.0000 0 17,444 3 Citizens Bank Time Deposit Account #6253-101065 - held in The Drzal Family Trust 82,232 100.0000 0 82,232 4 Sovereign Bank IRA Account #0578114332 146,337 100.0000 0 146,337 5 Graystone Bank CD Account #3000036681 (POD Tena L. Embick) 72,395 100.0000 0 72,395 6 Graystone Bank CD Account #3000036688 (POD Mary Lou Roe) 72,395 100.0000 0 72,395 7 Wachovia Bank CD Account #xxxxxxx9681 ((POD Tena L. Embick and Mary Lou Roe) 12,098 100.0000 0 12,098 8 Vacant Land - 6 F. Potts Hill Road, Lewisberry, PA in the name of the Drzal Family Trust (Appraised) 12,800 100.0000 0 12,800 9 Vacant Lane - 6 H Potts Hill Road, Lewisberry, PA. Held in the name of The Drzal Family Trust (Appraised) 12,600 100.0000 0 12,600 TOTAL (Also enter on line 7, Recapitulation) I $ 436, 419 (If more space is needed, insert additional sheets of the same size) 3W46AF 1.000 REV-1511 EX+(1o-06) SCHEDULE H COMMONWEALTH OF PENNSYLVANIA FUNERAL EXPENSES St INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER LEO S DRZAL 21090184 Debts of decedent must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. Parthemore Funeral Home 6,614 Total from continuation schedules I 37 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Tena L Embick ~ Marv Lou Roe Street Address 712 Harding Street City New Cumberland State PA Zip 17070 Year(s) Commission Paid: Waived 2. Attorney Fees 6 , 0 0 0 3. Family Exemption: (If decedent's address is not the same as Gaimant's, attach explanation) 3 , 500 Claimant Dennis L . Drzal Street Address 1293 Kingsley Road City Camt~ Hill State PA Zip 17011 Relationship of Claimant to Decedent SON ° 4. Probate Fees 364 5. Accountant's Fees 6. Tax Return Preparer's Fees 4 0 0 7. 1 Leon D. Gerlach, Appraisal of 6F Potts Hill Road 265 2 Leon D. Gerlach -Appraisal of 1293 Kingsley Road, Camp Hill 215 Total from continuation schedules 3,444 TOTAL (Also enter on line 9, Recapitulation) I $ 2 0 , 83 9 7W46AG 1.000 (If more space is needed, insert additional sheets of the same size) Estate of: LEO S. DRZAL Schedule H Part 1 (Page 2) Item No. Description 2 Olde Towne Florist - funeral arrangements 21 09 0184 Amount 37 Total (Carry forward to main schedule) 37 Estate of: LEO S. DRZAL Schedule H Part 7 (Page 2) 21 09 0184 3 Leon D. Gerlach - Appraisal of 6H Potts Hill Road 265 4 Leon D. Gerlach - Appraisal of 1295 Kingsley Road, Camp Hill 215 5 David Schweitzer - Electrical Repairs 285 6 Debra S. Popp - Newberry Township Tax Collector 55 7 Erie Insurance Group - Homeowners' Insurance 806 8 Northrop Grumman 95 9 Lower Allen Township - Sewer ~ Refuse Bill 96 10 Cumberland County Recorder of Deeds 103 11 Bonnie K. Miller, Lower Allen Twshp Treasurer - Property Taxes on 1295 Kingsley Road 609 12 Bonnie K. Miller, Treasurer Lower Allen Twshp. - Property Taxes on 1293 Kingsley Road 622 13 The Patriot News - Publication of Notice to Creditors 183 14 Cumberland Law Journal - Publication of Notice to Creditors 75 15 Cumberland County Register of Wills - Filing Fee for PA Inheritance Tax Return 15 16 Certified ~ Express Postage 20 Total (Carry forward to main schedule) 3,444 REV-1512 EX+(12-08) SCHEDULE Pennsylvania DEPARTMENT OF REVENUE DEBTS OF DECEDENT, INHERITANCE TAX RETURN MORTGAGE LIABILITIES & LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER LEO S . DRZAL 21 09 0184 Report debts incurred by the decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expenses. 8W48AH 2.000 If more space is needed, insert additional sheets of the same size. REV-1513 EX+ (11-08) Pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE J BENEFICIARIES ESTATE OF FILE NUMBER LEO S. DRZAL 21 09 0184 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE All I~ARCL~ NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE 1. TAXABLE DISTRIBUTIONS (indude outright spousal distributions, and transfers under Sec. 2 ~ 16 (a) (1.2).] Dennis L. Drzal (In Trust) 712 Harding Street New Cumberland, PA 17070 Citizens Bank Time Deposit Account #6253-101065 - held in The Drzal Family Trust Inventory Value: 82,232 Vacant Land - 6 F. Potts Hill Road, Lewisberry, PA in the name of the Drzal Family Trust (Appraised) Inventory Value: 12,800 Vacant Lane - 6 H Potts Hill Road, Lewisberry, PA. Held in the name of The Drzal Family Trust (Appraised) Inventory Value: 12,600 107,632 ISon ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET, AS APPROPRIATE. NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 2113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN 1 B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS 1 _ TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. ~ S 0 If more space is needed, insert additional sheets of the same size. 8W48AI 2.000 Estate of: LEO S. DRZAL Schedule J Part 1 (Page 2) Item No. Description 2 Tena L. Embick 712 Harding Street New Cumberland, PA 17070 3 Mary Lou Roe 1706 Kent Road Camp Hill, PA 17011 4 Dennis L. Drzal 1293 Kingsley Road CAMP hILL, PA 17011 Relation Daughter Daughter Son 21 09 0184 Amount 405,335 303,166 1,589 Estate of Leo S. Drzal Pennsylvania Inheritance Tax Return Form REV-1500 EXHIBIT A Copy of the Certified Death Certificate of the Decedent Estate of Leo S. Drzal Pennsylvania Inheritance Tax Return Form REV-1500 EXHIBIT B Copy of the Last Will and Testament of Leo S. Drzal Dated August 4, 2005 __ LAST WILL AND TESTAMENT OF LEO S. DRZAL I, LEO S. DRZAL of Camp Hill, Cumberland County, Pennsylvania, declare this to be my Last Will and Testament hereby revoking all prior Wills and Codicils. ITEM I. EXPENSES I direct that the expenses of my last illness and funeral be paid from my estate as soon as practicable after my death. ITEM II. TAXES All inheritance, estate, and succession taxes (including interest and penalties thereon, but not including any generation skipping tax) payable by reason of my death shall be paid out of and be charged generally against the principal of my residuary estate without reimbursement from any person. This provision is not a waiver ofany right which my ~xecutoi iias to ciailT~ reiiiiburse~nei~t for any such taxes which become payable as the result of any property over which I have the power of appointment. ITEM III. TANGIBLE PERSONAL PROPERTY I give, devise and bequeath m}T tangible personal property to my spouse, JENNIE DRZAL, if she survives my death by thirty (30) days. If she fails to so survive my death, I give, devise and bequeath my tangible personal property in accordance with any memorandum which I have handwritten or signed, located with my Will or with my valuable papers and found within 30 days of the probate of my Will. Gifts may only be to persons who survive me or to organizations which exist at my death, and if there is a conflict, the memorandum having the latest date shall govern. To the t~ ~,`~ %; i ~ is found, or all of my tangible personal property is not disposed of extent no such memorandum d be ueath my tangible personal property to my daughters, TENA pursuant thereto, I give, devise an q oun Pennsylvania, and MARY LOU ROE, of Cumberland L. EMBICK, of Cumberland C ty~ County, Pennsylvania, in such shares as they may agree upon. ITEM IV. RESIDUARY ESTATE sidue and remainder of my estate, of whatsoever nature and wheresoever All the rest, re d be ueath to my wife, JENNIE DRZAL, of Cumberland County, situate, I give, devise an q at JENNIE DIZZAL predeceases me or fails to survive me by thirty Pennsylvania. In the event th ' e and be ueath the rest, residue and remainder of my estate, of whatsoever (30) days, I give, devis , q nature and wheresoever situate according to the following: and be ueath my property located at 1293 Kingsley Road, Camp Hill, A. I give, devise q dau ter, TENA L. EMBICK, of Cumberland County, Pennsylvania, Pennsylvania l 7011, to my gh Per Stirpes; and be ueath my property located at 1295 Kingsley Road, Camp Hill, g. I give, devise q m dau ter, MARY LOU ROE, of Cumberland County, Pennsylvania, Pennsylvania 17011, to y ~ Per Stirpes; ise and be ueath my two parcels of real property located on Potts Hill C. I give, dev q n peens lvania, to be held in a Special Supplemental Care Trust for the Road, Cumberland Cou ty, Y IS L. DRZAL, of Cumberland County, Pennsylvania, to be held, managed benefit of my son, DENN 'nistered according to Item VI herein. In the event DENNIS L. DRZAL predeceases me or and admi thi 30) days, I give, devise and bequeath this property IN EQUAL fails to survive me by rty ( 2 ___ max...... _,~ ._ ~.;.... .. _;.::. ~~..~~:,_.~.:.~-,~.., SHARES to my daughters, TENA L. EMBICK, of Cumberland County, Pennsylvania, andTz'Y LOU ROE, of Cumberland County, Pennsylvania, Per Stirpes; and D. All the rest, residue and remainder of my estate, of whatsoever nature and wheresoever situate, I give, devise and bequeath IN EQUAL SHARES to my daughters, TENA L. EMBICK, of Cumberland County, Pennsylvania, and MARY LOU ROE, of Cumberland County, Pennsylvania, Per Stirpes. ITEM V. SPECIAL SUPPLEMENTAL CARE TRUST Special Supplemental Care Trust for the benefit of DENNIS L. DRZAL: I hereby nominate and appoint my daughters, TENA L. EMBICK and/or MARY LOU ROE, jointly and/or individually, as Co-Trustees of the Special Supplemental Care Trust under this my Last Will and Testament. The share of my estate that is set aside for DENNIS L. DRZAL shall be held by my Co- Trustees, TENA L. EMBICK and MARY LOU ROE, intrust for DENNIS L. DRZAL's benefit in a Special Supplemental Care Trust in accordance with the following provisions: A. INTENT It is my intention by this trust to create a purely discretionary supplemental care fund for the benefit of DENNIS L. DRZAL and not to displace financial assistance that may otherwise be available to him. Illustrative of the kinds of supplemental, non-support disbursements that would be appropriate for my Trustee to make from this trust for DENNIS L. DRZAL include: sophisticated medical or dental or diagnostic work or treatment for which there are not funds otherwise available, including plastic surgery or other non-necessary medical procedures; private rehabilitative training; dental care; recreation and transportation; differentials in cost between housing and shelter for shared and private rooms in institutional settings; supplemental nursing care and similar care that assistance 3 programs may not otherwise provide; telephone and television service, companions for travel, reading, driving and cultural experiences and payments to bring his family or others for visitation in . the event my Trustee deems that appropriate and reasonable. B. It is important that DENNIS L. DRZAL maintain a high Level of human dignity and that his care be humane. If this trust were to be eroded by creditors, subjected to liens or encumbrances, or cause assistance benefits to be unavailable or terminated, it is likely that the trust corpus would be deleted prior to his death, especially if the cost of care for him would be high. In such event there would be no coverage for emergencies or supplementation to basic needs. The trust provisions contained in this instrument should be interpreted by my Trustee in light of these concerns and this intent. C. My Trustee shall pay or apply for the benefit of my son for his lifetime such amounts from the principal or income, or both, of this trust up to the whole thereof, as the Trustee, in the Trustee's sole and absolute discretion, may from time to time deem necessary or advisable for the satisfaction of DENNIS L. DRZAL's special non-support needs, if any. Any income not distributed shall be added annually to principal. As used in this instrument, "special non-support needs" refers to the requisites for maintaining my son's good health, safety and welfare when, in the discretion of the Trustee, such requisites are not being provided by any public agency, office or department of the state where he lives or of the United States, or are not otherwise being provided by other sources of income available to him. Special non-support needs shall include but shall not be limited to the list of suggested non-support items set out in this article. D. In the event that he is unable to maintain and support himself independently, the Trustee may, in the exercise of the Trustee's best judgment and fiduciary duty, seek support and maintenance 4 ___ .._.. for him from all available public and private sources. The Trustee shall take into consideration the applicable resources and limitations of any public assistance program for which he is eligible. In carrying out the provisions of this trust, my Trustee shall be mindful of the probable future needs of my son, but not of the trust remainder beneficiaries. E. No part of the corpus of the trust created by this article shall be used to supplant or replace public assistance benefits of any county, state, federal or other governmental agency that has a legal responsibility to serve persons with disabilities that are the same or similar to those which DElVNIS L. DRZAL may be experiencing. For purposes of determining my son's public assistance eligibility, no part of the principal or undistributed income of the trust shall be considered available to him. In the event that the Trustee is required to release principal or income of the trust to or on behalf of DENNIS L. DRZAL to pay for benefits or services which such public assistance is otherwise authorized to provide were it not for the existence of this trust, or in the event the Trustee is requested to petition the court or any other administrative agency for the release of trust principal or income for this purpose, the Trustee is authorized to deny such request. My Trustee is authorized, in the Trustee's discretion, to take whatever administrative or judicial steps may be necessary to continue the public assistance program eligibility of DENNIS L. DRZAL, including obtaining instructions from a court of competent jurisdiction ruling that the trust corpus is not available to the beneficiary for such eligibility purposes. Further, my Trustee should cooperate with the beneficiary's conservator, guardian, or legal representative to seek support and maintenance for the beneficiary from all available resources, including but not limited to, the Supplemental Social Security Income Program (SSI); the Medicaid Program; and any additional, similar or successor programs; and from 5 any private support sources. Any expense of the Trustee, including reasonable attorney fees, shall be a proper charge to the trust. F. SPENDTHRIFT PROVISIONS No interest in the principal or income of this trust shall be anticipated, assigned or encumbered or shall be subject to any creditor or to any legal process prior to the actual receipt by the beneficiary. Furthermore, because this trust is to be conserved and maintained for the special non-support needs of DENNIS L. DRZAL throughout his life, no part of the corpus hereof, neither principal nor undistributed income, shall be construed as part of DENNIS L. DRZAL'S estate or be subject to the claims of voluntary or involuntary creditors for the provision of care and services, including residential care by any public entity, office, department, or agency of any state or the United States or any governmental agency. Under no circumstances can the beneficiary compel a distribution. G. TRUSTEE AUTHORITY TO TERMINATE TRUST Notwithstanding anything to the contrary contained in this trust, in the event that the trust has the effect of rendering DENNIS L. DRZAL ineligible for any program of public benefit, the Trustee is authorized, but not required, to terminate this trust. In determining whether the existence of the trust has the effect of rendering DENNIS L. DRZAL ineligible for any program of public benefit, my Trustee is granted full and complete discretion to initiate either administrative or judicial proceedings, or both, for the purpose of determining eligibility. All costs relating thereto, including reasonable attorney fees, shall be a proper charge to the trust. In the event of voluntary termination, the undistributed balance of the trust shall be distributed IN EQUAL SHARES to my daughters, TENA L. EMBICK and MARY LOU ROE, Per Stirpes. 6 H. ~'O~T,`[.TNTARY CARE It is my wish that subsequent to the termination of the trust for the benefit of DENNIS L. DRZAL, if my contingent beneficiaries are living and distribution has been made outright to them, if DENNIS L. DRZAL is still living because there has been a voluntary termination of the trust in accordance with the provisions of this article, that such contingent beneficiaries will conserve, manage and distribute the proceeds of the former trust for the benefit of DENNIS L. DRZAL to insure that he receives sufficient funds for his basic living and supplemental needs when public assistance benefits are unavailable or insufficient. This request pertaining to the use and management of the trust proceeds after the termination of the trust is not mandatory, but is an expression of my wishes only. I. BENEFICIARIES OF TRUST RESIDUE UPON DEATH OF DISABLED BENEFICIARY Unless sooner terminated, the trust created for DENNIS L. DRZAL shall terminate upon his death. At that time all remaining trust assets shall be distributed IN EQUAL SHARES to my daughters, TENA L. EMBICK and MARY LOU ROE, Per Stirpes. 1. TRUSTEE'S POWERS Subject to the requirement that my Trustee be prudent, my Trustee shall have full power and authority to manage and control the trust estate and to sell, exchange, lease, rent, assign, transfer and otherwise dispose of any or part thereof upon such terms and conditions as my Trustee inay, in my Trustee's discretion, deem proper. My Trustee may invest or reinvest all or any part of the trust estate in such common or preferred stocks, bonds, debentures, mortgages, deeds, deeds of trust, notes and other securities, investments of property, including common trust funds, which my Trustee, in 7 my Trustee's absolute i`sd retor., may selecf~or determine. If is my express intention that t~ie~Trustee shall have full power to invest and reinvest the trust funds as I might do if living, without being restricted to forms of investments which Trustees may be otherwise permitted by law to make, and without any requirements as to diversification of investments. My Trustee may continue to hold in the form in which received, any securities or any property which I might own at the time of my death or which my Trustee may at any time acquire hereunder; and may invest any part of the trust funds in property located within or outside of the Commonwealth of Pennsylvania. My Trustee is further authorized to invest in life, annuity, accident, sickness, including disability, and medical insurance on behalf of and for the benefit of the trust beneficiaries. My Trustee shall not be obligated to undertake litigation for collection of any benefits or assets payable by reason of my death including, but not limited to, such benefits under life insurance policies, employee benefit plans or other contracts, plans or arrangements providing for payment or transfer at death which are payable to my Trustee unless my Trustee is indemnified to my Trustee's satisfaction against any liability and the expense of such litigation. Payment to my Trustee and the receipt of or release by my Trustee shall fully discharge any payor, and no payor need inquire into or take notice of my Will to see to the application of such payment. My Trustee shall, in addition to the powers granted above, have all powers otherwise granted under the Pennsylvania Fiduciaries' Powers Act as amended after the date of my Will and after my death. My Trustee shall specifically have the powers to invest in non-income producing assets. K. UNSUPERVISED ADMINISTRATION The trust created by this Will maybe administered by my Trustee free from the control of any court that may otherwise have jurisdiction over my estate. 8 .. ~- - --_-____. _.. __ .._.._ r ...- ~-- ITEM VI. EXECUTOR I nominate and appoint my daughters, TENA L. EMBICK and MARY LOU ROE, as Co- Executors of my Will. I direct that my Co-Executors be permitted to serve without bond and in addition to those powers granted by law, I grant them power to sell both real and personal property, at private or public sale, to invest cash without being limited to statutory investments, to distribute in cash or in kind in like or in unlike shares and to file any qualified disclaimer I could have filed if living. ITEM VII. EXECUTORS POWERS In addition to the powers conferred by law, I authorize my Executors, in their absolute discretion: (a) to retain in the form received and to sell either at public or private sale, any real estate or personal property except that which I specifically bequeath herein, (b) to manage real estate, (c) to invest and reinvest in all forms of property without being confined to legal investments, and without regard to the principal of diversification, (d} to exercise any option or right arising from the ownership of investments, (e} to compromise claims without court approval and without consent of any beneficiary, (f) to file any federal income tax return for any year for which I have not filed such return prior to my death, (g) to make distributions in cash or in kind, or in both, and to determine the value of any such property, 9 ~'Y Y Y `~-~"~ ~"`~"~`~~'~" '~~'"~oem o 'an a~`ome ~1 vestmeri a " so'r or o ` er"a en '~ eeme recess ` m ` ~~~ ~Y " Y y> g Executor; and to pay from my estate reasonable compensation for all their services, (i) to conduct alone or with others, any business in which I am engaged in, or have an interest in at time of my death, and (j) to receive reasonable compensation in accordance with their standard schedule of fees in effect while their services are performed. IN WITNESS WHEREOF, I, LEO S. DRZAL, hereby set my hand to this my Last Will and Testament, on <~` ~~~Z~~~L-?, , 2004, at Harrisburg, Pennsylvania. ;r ij r LEO S. DRZAL In our presence, the above-named LEO S. DRZAL signed this and declared this to be his Last Will and now at his request, in his presence, and in the presence of each other, we sign as witnesses. Name } '~ ; C-- Address (ate ~/~-- ~ ~1 ~ r ~r C ~:7 ~I , ` ~ ~l `~~ ~ ? t ., `` ,~ I~ ~Jl ~ 10 qualified according to law, acknowledge that I signed and executed this instrument as my Will, and that I signed it willingly as my free and voluntary act for the purposes therein expressed. Sworn to or affirmed and acknowledged before me by LEO S. pRZAL, the Testator, this ,.~ day of i' ~~~~~~~~~- ~• 2004. ~r~ f Not Public U~ LEO S. DRZAL ~~~ ~ ~. ~~Qtary ~~;:~ Cty ~~ ~-~be.r Ca ... ' S• Dauphin County Y ' _ iasiou Expires Sept. 2~, ~~ . We, the undersigned witnesses who signed the foregoing instrument, being duly qualified according to law, depose and say that we were present and saw the Testator sign and execute this instrument as his Will; that he signed and executed it willingly as his free and voluntary act for the purposes therein expressed; that each of us in his sight and hearing signed the Will as witnesses, and that to the best of our knowledge, that he was at that time eighteen (18) years or more of age, of sound mind, and under no constraint or undue influence. Sworn to or affirmed and subscribed to before me and 1 c ''Yt ~ , _ witnesses,, his day of - 2004. Not Public ---~...~....~..~~.__._a., ~G(ar1aE Seas ~arieiie F. Hazen. Rotary ~-uhiic City of t-~,~r;isbu:g. Dauphin Cc~~~nty FdlF Cammissi~r.• c ~__ _ Expires ~epf. 2? ~l'i~)~ f ,' ~~ V~itn ss~ __ ~ /"I~ W it~"ss 11 Estate of Leo S. Drzal Pennsylvania Inheritance Tax Return Form REV-1500 EXHIBIT C Copy of the Short Certificate Letters Testamentary issued on February 25, 2009 REGISTER OF VtfiLLS CUMBERLANQ COUNTY PENNSYLVANIA No . 2009- 00 ~ 84 Estate Of : LEO S DRZAL CERTIFICATE OF GRANT OF LETTERS PA No. 21- 09- 084 /First, Middle, Lastl Late Of : LOWER ALLEN TOWNSHIP CUMBERLAND COUNTY Deceased Social Security No: 279-09-2522 WHEREAS, on the 25th day of February 2009 an instrument dated January 5th 2004 was admitted to probate as the last will of L EO S DRZA L /First, Middle, Last) late of LOWER ALLEN TOWNSH/P, CUMBERLAND County, who died on the l I th day of December 2008 and WHEREAS, a true copy of the will as probated is annexed hereto. THEREFORE, I, GLENDA EARNER STRASBAUGH Register of Wi 11 s in and for CUMBERLAND County, in the Commonwealth of Pennsylvania, hereby certify that I have this day granted Letters TESTAMENTARY to: TENA L EMBICK and MARY LOU ROE who have duly qualified as EXECUTOR(R/X1 and have agreed to administer the estate according to Iaw, all of which f ul 1 y appears of record in my office a t CUMBERLAND COUNTY COURT HOUSE, CA RL lSL E, PENNS YL VA NlA . IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed the seal of my office on the 25th day of February 2009. - - ~,' / ~~ ,. f ~' `° ~ , -. /~r ~ 7 ~ ~ ~ ; 1, .~ " ~ ~~• j, ~/{ .j ~ -~ .~ ~ f ~} 1 ,. _ __ ~ _ Register of'VViIIS - ; `- ', . , f ;, ~i Deput~ r * *NOTE* * ALL NAMES ABOVE APPEAR (FIRST, MIDDLE, LAST) Estate of Leo S. Drzal Pennsylvania Inheritance Tax Return Form REV-1500 EXHIBIT D Copy of The Drzal Family Trust Dated Agust 4, 2005 THE DRZAL FAMILY TRUST THIS TRUST AGREEMENT is executed in triplicate on this 4th day ofAugust, 2005, by and between LEO S. DRZAL and JENNIE DRZAL, now of 1293 Kingsley Road, Camp Hill, York County, Pennsylvania 17011(herein called "Settlors" or "Co-Settlors") and LEO S. DRZAL and JENNIE DRZAL, now of 1293 Kingsley Road, Camp Hill, York County, Pennsylvania 17011(herein called "Trustees" or "Co-Trustees"). ARTICLE I. PARTIES, PERSONAL DATA AND DISCLAIMER I.Ul. Parties and Personal Data. The Settlors are married. The Settlors' children are TENA L. EMBICK, MARY LOU ROE, and DENNIS L. DRZAL. Throughout this Trust Agreement: (a) LEO S. DRZAL, and JENNIE DRZAL will be referred to as "Settlors" or "Co- Settlors"; (b) TENA L. EMBICI~ MARY LOU ROE, and DENNIS L. DRZAL will be referred to as the "children of the Settlors" or the "Settlors' children" except as may be more particularly defined or restricted by specific context; and (c) the word "issue" will include Settlors' children as well as Settlors' other descendants and legally adopted descendants known by the Settlors during their lifetimes. 1.02. Disclaimer. The Trustee shall have the right to disclaim, in whole or in part, prior to its acceptance by the Trustee, any interests in property for any reason, including but not limited to a concern that such property could cause potential liability under any federal, state, or local environmental law. ARTICLE II. TRUST ESTATE 2.01. Transfer to Trust. Settlors do hereby assign, transfer and deliver to the Trustees and their successors and assigns the property described in Schedule "A" attached hereto and made a part hereof, or as Schedule A may be amended. As further evidence of such assignment, the Settlors have executed or will execute or cause to be executed such other instruments as may be required for the purposes of completing the assignment or transfer of title to such property to the Trustees. The Trustees accept such transfer and assignment to themselves as Trustees, and the Trustees undertake to hold, manage, invest and reinvest the assets of this Trust, and to distribute the income and principal of the Trust in accordance with the provisions of this Agreement. 2.02. Additional Transfers to Trust. The Settlors, and any other person, with the consent of the Trustees, shall have the right at any time to make additions to the corpus of this Trust or any shares thereofhereby established. All such additions shall be held, controlled, and distributed by the Trustees in accordance with the terms and conditions of this Agreement. ARTICLE III. LIFE INSURANCE POLICIES 3.01. Transfers of Life Insurance to Trust. If any insurance policies are transferred into this Trust, the Trustees shall be vested with all right, title, and interest in and to the transferred policies of insurance, and are authorized and empowered to exercise and enjoy, for the purposes of the Trust herein created and as absolute owner of such policies of insurance, all the options, benefits, rights and privileges under such policies, including the right to borrow upon and to pledge them for a loan or loans. The Trustees take all rights, title, and interest in and to such insurance policies subject to any prior split-dollar life insurance agreement which maybe in effect at the time of the transfer. The insurance companies which have issued such policies are hereby authorized and directed to recognize the Trustees as absolute owner of such policies of insurance and as fully entitled to all options, rights, privileges, and interests under such policies, and any receipts, releases, and other instruments executed by the Trustees in connection with such policies shall be binding and conclusive upon the insurance companies and upon all persons interested in this Trust. =~-0~- Payment of Pr~emit~ms~ It is the intPn.tion of the Settlnrc to pay any and all pr~r!i~.zms, assessments or other charges necessary to keep each policy included in the Trust in force unless such premiums shall be paid by the insured thereunder (where the insured is someone other than either or both of the Settlors) or in some other manner, but the Settlors shall be under no duty in this respect and shall incur no liability to the beneficiaries of the Trust or to any other person if the Settlors shall permit any such policy to lapse for nonpayment of premiums, assessments or charges, or otherwise permit any such policy to become uncollectible. The Trustees shall be under no obligation to pay the premiums which may become due and payable under the provisions of any policy of insurance which may be transferred or assigned to this Trust, or to make certain that such premiums are paid by the transferor of such policy, or to notify any persons of the nonpayment of such premiums, and the Trustees shall be under no responsibility or liability of any kind in case such premiums are not paid, except that the Trustees shall apply any dividends received by the Trustees on such policies to the payment of premiums thereon. Upon notice at any time during the continuance of this Trust that the premiums due upon such policies are in default, or that premiums which will become due will not be paid, either by the transferor or by any other person, the Trustees, within their sole discretion, may apply any cash values attributable to such policy to the purchase ofpaid-up insurance or of extended insurance, or may borrow upon such policy for the payment of premiums due thereon, or may accept the cash values of such policy upon its forfeiture. In the event that the Trustees receive the cash value of such policy upon its forfeiture for nonpayment of premiums, the amount received shall be added to the corpus of this Trust, and shall be administered according to the terms of this Agreement. If the insured under such policies of insurance, becomes totally and permanently disabled within the meaning of any policies and because thereof the payment of premiums, or any of them, shall, during the pendency of such disability, be waived, the Trustees, upon receipt of such knowledge, shall 2 promptly notify the insurance company which has issued such policies, and shall take any and aII steps necessary to make such waiver of premium provision effective. 3.03. Rights in the Life Insurance Reserved to Settlors. The following rights, exercisable without the consent of the Trustees or the beneficiaries of the Trust, are expressly reserved by the Settlors during either or both of the Settlors' lifetimes with respect to each policy included in the Trust insuring the life of either Settlor and owned by either of both of the Settlors and made payable to the Trustees hereunder: (i) to exercise all options, elections, rights and privileges accorded to the Settlors under the terms of any such policy, (ii) to obtain all or any part of the loan value of any such policy, (iii) to use any such policy as collateral for a loan, (iv) to sell, assign or pledge any such policy, (v) to receive any dividends, distributive shares of surplus earnings, disability benefits, surrender values or the proceeds of matured endowments, (vi} to change the named beneficiary to whom the proceeds of such policy are payable an the insured's death, anc~ (vii} to convert any or all policies into other forms of insurance ar annuities or to permit the same to lapse. The Trustees agree to execute any and all instruments that may be necessary to permit the exercise of any such right by either or both of the Settlors, without liability to anyone for so doing. Upon the maturity of any life inci~ran~P pnliry in~1~~~1P~1 in the Tr~~et~ whPthcr- at the i~ciirP.~l'c ~e~th nr at any nthPr timP~ the Trustees shall collect the proceeds thereof. 3.04. Duties of Trustees Regarding the Life Insurance. The Trustees shall be under no obligation or duty whatsoever except with respect to the safekeeping of such policies of insurance and the duty to receive such sums as may be paid to it, in accordance with the requirements of this Trust, by the companies issuing such policies, and to hold, manage and disburse such proceeds subject to the terms of this Agreement. Upon the death of the insured, the Trustees shall make reasonable efforts to carry out the provisions of this Agreement, including the maintenance or defense of any suit, provided, however, the Trustees shall be under no duty to maintain or enter into any litigation unless their expenses, including counsel fees and costs, have been advanced or guaranteed in an amount and in a manner reasonably satisfactory to them. The Trustees may repay any advances made by them or reimburse themselves for any such fees and costs from any carpus or income of this Trust. ARTICLE IV. DISTRIBUTIONS FROM TRUST 4.01. Distributions To Settlors. The Trustees shall pay to, or apply for the benef t of, the Settlors, or either of them, or their survivor: (1) so much of or all of the income and so much of or all of the principal as the Trustees deem desirable for the most comfortable care, support, maintenance, welfare, education, happiness, luxuries and any needs arising from illness, accidents or other emergencies of the Settlors, or either of them, or their survivor, and (2) so much of or all of the income and so much of or all of the principal as the Settlors, or either of them, or their survivor, shall request. 3 4.02. Settlors` Special Power of Appointment. The Settlors, or either of them, or their survivor, shall have the power at any time, exercisable by instrument or instruments in writing delivered to the Trustees during the lifetimes of the Settlors, or either of them, or their survivor, specifically referring to this Subparagraph 4.02, to appoint alI or any portion of the principal and any accumulated and accrued income of this Trust, except any policies of insurance on the life of either or both of the Settlors. Any appointrnent made under this Subparagraph 4.02 may be upon any terms and conditions (including further trusts, the beneficiaries of which are only Settlors' issue) to or for the benefit of any one or more of the Settlors' issue and spouses of the Settlors' issue. However, no such appointment may be made to the Settlors' estates, the creditors of the Settlors, the creditors of the estates of the Settlors, nor to anyone other than the Settlors' issue and spouses of the Settlor's issue. 4.03. Distributions to Settlors' Children. L1pon~he death ofboth of the Settlors, the Trust shall terminate. Upon termination, the.rema.ining trust estate shall be held, IN FURTHER TRUST, for the benefit of the Settlors' children, TENA L. EMBICK, MARY LOU ROE, and DENNIS L. DRZAL, subject to the terms and conditions defined and described below: (A). The Trustee shall establish this Trust for the benefit of DENNIS L. DRZAL for and during the remainder of his life, as well as consideration for the benefit of the remaindermen, TENA L. EMBICK and MARY LOU ROE. This Trust is established for the benef t of DENNIS L. DRZAL as well as to preserve assets for distribution to the remaindermen hereunder. It is not the purpose of this Trust that it serve as a primary or main source of income, support or maintenance for DENNIS L. DRZAL, but to supplement his existing condition. With respect to the Beneficiary, DENNIS L. DRZAL, the express purpose of this Trust is to provide for DENNIS L. DRZAL's extra and supplemental needs, over and above the benefits DENNIS L. DRZAL otherwise receives as a result of handicap or disability from any local, state, or federal government or from private agencies, any of which provide services or benefits to disabled or otherwise challenged persons. Anything to the contrary herein notwithstanding, no trust income or principal shall be paid to or expended for the benefit of DENNIS L. DR.ZAL so long as there are sufficient monies available to him for care, comfort, and welfare from federal, state, and local government agencies and departments. The Trustee shall consider such governmental funds in determining whether there are funds available to the Beneficiary from sources other than the Trust estate and shall use Trust assets only to supplement and never to substitute for such funds. In no event may Trust income or principal be paid to or for the benefit of a governmental agency or department, and the Trust estate shall at all times be free of the claims of such governmental bodies. (B). The Trustee shall periodically contact any applicable local associations for citizens with disabling conditions, other relatives, guardian if applicable, and the staff of any group home or other residential facility where DENNIS L. DRZAL 4 resides regarding items and directives of this Trust for him and his well being. (C). Subject to the termination of this Trust and other conditions, the trust estate shall be held for the benefit of the Beneficiary, DENNIS L. DRZAL, far his lifetime, together with any other assets received by the Trustee, for the purpose of improving the quality of life of the Beneficiary, DENNIS L. DRZAL, for and during ail the term of his natural life. As the result of the natural physical and mental deteriorations, the Beneficiary, DENNIS L. DRZAL, may suffer from substantial mental and physical disabilities and require additional medical care. He may be entitled to benefit from various governmental programs which provide for his basic or supplemental care. It is the purpose of this Trust to provide the Beneficiary, DENNIS L. DRZAL, with a higher quality of life beyond that which would be provided by these public entitlement programs and to provide him with a proper funeral and burial. (D). Settlors' intent in creating this Trust is that the Trustee use the Trust created herein to promote the happiness; welfare and benefit ~f the Beneficiary, DENNIS L. DRZAL, through income and principal distributions, without in any way reducing the services or financial assistance and basic maintenance, support, medical or dental care which the Beneficiary may receive without charge from any local, state or federal government agency or department thereof, and without using any portion of the Trust income or principal to reimburse any local, state or federal government agency or department thereof for basic maintenance, support, medical or dental care received by the Beneficiary. Settlors' intent is that the Trust income and principal is not to be considered income, assets, nor resources ofthe Beneficiary, for any purpose, including but not limited to, the determination of income, assets or resources as stated in any rules or regulations set forth in any local, state or federal government agency or department thereof. In the event the Trustee is requested by any department or agency to release principal or income of the Trust to or on behalf of the Beneficiary to pay for equipment, medication or service which other organizations or agencies are authorized to provide, or in the event the Trustee is requested by any department or agency administering such benefits to petition the Court or any other administrative agency for the release of Trust principal or income for this purpose, the Trustee shall deny such request and is directed to defend at the expense of the Trust estate, any contest or other attack of any nature. The Trustee shall petition the Court for modification of this Trust as necessary to give full force and effect to the Settlors' outlined intent. (E). The Trustee shall distribute to the Beneficiary, DENNIS L. DRZAL, or expend and apply for his benefit, so much of or all of the income and principal of this Trust, as the Trustee, in its sole and absolute discretion, determines to be advisable for the Beneficiary's special needs for happiness and comfort to achieve 5 the purpose of the Trust herein set forth. The "special needs" which the Trustee may provide to the Beneficiary, DENNIS L. DRZAL, include but are not limited to spending money, additional food, clothing, gifts on his birthday and major holidays, small appliances that would provide the Beneficiary with entertainment or amusement, computer equipment, camping excursions, vacations, athletic contests, movies, trips, money to purchase appropriate gifts for relatives and friends, any recreational items that would be of use to him and other monetary requirements to enhance his self-esteem or situation. "Special needs" shall also include medical and dental expenses, annual independent check-ups, rehabilitation and physical therapy equipment, programs of training, education, treatment, physical therapy- and rehabilitation, private residential care, eye glasses, transportation (including vehicle purchase},maintenance, and insurance (including payment of premiums of insurance nn the life of the beneficiary} and other requisites for maintaining the good health, safety, and welfare of the Beneficiary when, in the discretion of the Trustee, such requisites are not being provided by any public agency, office, or department of any state or of the United States. Nothing herein shall preclude the Trustee from piirc-hacin~a thneP c~t-uirPe an~ itPmc ~x~hirh prr~mntP the RPnPfiria~~'e harpinPCC~ comfort and welfare. The Trustee shall also have authority in its absolute and sole discretion to make gifts to any community residence in which the Beneficiary may be residing. (F). Any net income not expended for or applied to the special needs of the Beneficiary, DENNIS L. DRZAL, shall be accumulated and added to the Trust principal. (G}. The Trustee shall have no obligation to expend Trust assets for the Beneficiary's special needs, but ifthe Trustee, in its sole discretion, decides to expend Trust assets, under no circumstances should any amounts be paid to, or reimbursed to, the federal government, any state, or any governmental agency for any purpose, including for the care, support, and maintenance of the Beneficiary. This Trust is created expressly for the Beneficiary's extra and supplemental care, maintenance, support and education in addition to, and over and above the benefits he otherwise receives or may receive as a result of handicap or disability, from any local, state or federal government, or from any other private agency, any of which provides service or benefits to persons with disabilities. It is Settlors' express purpose that this Trust be used only to supplement other benefits that the Beneficiary may receive. (H). Because the Beneficiary maybe dependent on the support and aid of others, the Trustee shall, in the exercise of its best judgement and fiduciary duty, seek support and maintenance for him, or request the guardian of the Beneficiary to seek support and maintenance for him, from all available public resources, including, but not limited to, Social Security Administration benefits, the Supplemental Security 6 Income Program (S SI), any such supplemental income program offered by or through the Commonwealth of Pennsylvania, the Old Age Survivors and Disability Insurance or successor programs, U.S. Civil Service Commission benefits, Medicaid, and Federal Social Security Disability Insurance (SSDI), and any other comparable programs, state, federal, or local. The Trustee shall take into consideration applicable resource and income limitations of any public assistance programs for which the Beneficiary is eligible when determining whether or not to make any discretionary distributions. In carrying out the provisions of this Article, the Trustee shall be mindful of the probable future needs of the remaindermen of this Trust. If necessary, the Trustee may seek appropriate authority to collect, expend, and account for separately all such governmental assistance benefits, but shall not commingle them with these Trust assets. In addition, in making distributions for the special needs of the Beneficiary, the Trustee shall take into consideration the applicable resource limitations of the public assistance programs for which he is or may become eligible. (I). The Trustee shall regard this Trust as existing for the welfare and benefit of the Beneficiary; nF.NNTS T.. nR7,AT,, Acrnrelin~y, the T,-i1ctPP chill exercise its discretion as to disbursements and investments with this standard in mind. Consistent with the purpose of this Trust, the Settlors may establish a life plan to be periodically updated, signed and dated. It is intended that the Trustee read the life plan and use it as guidance in administering this Trust according to the terms set forth herein. In no event shall the life plan be binding upon the Trustee or otherwise diminish the Trustee's discretion as described herein. (J). The Trustee shall exercise reasonable diligence. However, the Trustee shall not be liable for any acts or omissions done or performed in good faith. (K). The Trustee shall not.be required to make an accounting to any public official except to the extent otherwise required bylaw. The Trustee shall, however, keep and maintain complete and open accounts of the Trust principal and income and any expenditures from the Trust. Anyone having an interest in the Trust shall have a right to inspect the accounts at reasonable times and with reasonable notice to the Trustee. All discretion conferred on the Trustee shall be absolute and unlimited, and its exercise by the Trustee shall be conclusive and binding on all persons. (L). The Trustee shall pay reasonable burial expenses including a suitable and proper grave marker for the Beneficiary, DENNIS L. DRZAL. (M). The Trust shall terminate upon the death of the Beneficiary, DENNIS L. DRZAL. Upon termination, the then-remaining trust estate shall be divided into separate and equal shares and one such share shall be distributed to each of the following, per stirpes: TENA L. EMBICK and MARY LOU ROE. If either of the 7 Settlors' children, TENA L. EMBICIi and MARY LOU ROE, predecease this distribution without surviving issue, then their share shall be distributed to the surviving child of the Settlors, per stirpes. If any of the Settlor's children predecease their distribution without surviving issue, then the Trustee shall distribute the predeceased child's share to the remaining children of the Settlors, per stirpes, provided that any distribution to Settlors' children shall be added to the child's separate trust if such a trust is then in existence. ARTICLE V. POWERS OF TRUSTEES S.OI. General Powers. In addition to such other powers and duties as may have been granted elsewhere in this Trust, but subject to any limitations contained elsewhere in this Trust, the Trustees shall have the following powers and duties: A_ Tn the management; care and dispnsitinn of this Tn~st; the Tn~stPes shall have the nnwPr to do all things and to execute such deeds, instruments, or other documents, as may be deemed necessary and proper, including the following powers, all of which may be exercised without order of or report to any court: (1) To sell, exchange, or otherwise dispose of any property, real, personal or mixed, at any time held or acquired hereunder, at public or private sale, for cash or on terms, without advertisement, including the right to lease for any term notwithstanding the period of the Trust, and to grant options, including an option for a period beyond the duration of the Trust. (2) To invest all monies in such stacks, bonds, securities, investment companies or trust shares, mortgages, notes, choses in action, real estate, improvements thereon, and other property as the Trustees may deem best, without regard to any law now or hereafter in force limiting investments of fiduciaries. (3) To retain for investment any property deposited with the Trustees hereunder. (4) To vote in person or by proxy any corporate stock or other security and to agree to take any other action in regard to any reorganization, merger, consolidation, liquidation, bankruptcy or other procedure or proceedings affecting any stock, bond, note or other security held by this Trust. (5) To use lawyers, real estate brokers, accountants and other agents, if such employment is deemed necessary or desirable, and to pay reasonable compensation 8 for their services. (6) To compromise, settle or adjust any claim or demand by or against the Trust and to agree to any rescission or modification of any contract or agreement affecting the Trust. (7) To renew any indebtedness, as well as to borrow money, and to secure the same by mortgaging, pledging or conveying any property of the Trust, including the power to borrow from the Trustees (in either Trustee's individual capacity) at a reasonable rate of interest. (8} To retain any business interest transferred to the trustee, as shareholder, security holder, creditor, partner or otherwise, for any period of time whatsoever, even though the interest may constitute all or a large portion of the trust principal; to comply with the provisions of any agreement restricting transfer of the interest; to participate in the conduct of the related business or rely upon others to do so, and to take nr clelegatP to nthPrc eliccretinnary pnwc~r to take any action with rPCnPC-t to itc management and affairs which an individual could take as outright owner of the business or the business interest, including the voting of stock (by separate trust or otherwise regardless of whether that separate trust will extend for a term within or beyond the term of the trust) and the determination of all questions of policy; to execute and amend partnership agreements; to participate in any incorporation, reorganization, merger, consolidation, sale of assets, recapitalization, liquidation or dissolution of the business, or any change in its nature, or in any buy-sell, stock restriction, or stock redemption agreements; to invest in additional stock or securities of, or make secured, unsecured, or subordinated loans to, the business with trust funds; to take all appropriate actions to prevent identify, or respond to actual or threatened violations of any environmental law or regulation thereunder; to elect or employ with compensation, as directors, officers, employees, or agents of the business, any persons, including a trustee of any trust held under this instrument, or any director, officer, employee, or agent of a corporate trustee of any trust held under this instrument, without adversely affecting the compensation to which that trustee would otherwise be entitled; to rely upon reports of certified public accountants as to the operations and financial condition of the business, without independent investigation; to deal with and act for the business in any capacity (including in the case of a corporate trustee any banking or trust capacity and the loaning of money out of the trustee's own funds) and to be compensated therefor; and to sell or liquidate the business or any interest in the business. (9) To register any stock, bond or other security in the name of a nominee, without the addition of words indicating that the security is held in a fiduciary capacity, but accurate records shall be maintained showing that the stock, bond or 9 other security is a trust asset and the Trustees shall be responsible for the acts of the nominee. (10) To merge this Trust with any other trust created in my Will or otherwise, with similar provisions and purposes and the same beneficiary or beneficiaries, but only to the extent that the merger of the trusts will not cause the imposition of gift tax, estate tax, or generation-skipping tax, federal or otherwise. (I 1) To set aside as a separate trust, to be held and administered upon the same terms as those governing the remaining trust property, any interests in property, for any reason, including but not limited to a concern that such property could cause potential liability under any federal, state, or local environmental law. B. Whenever the Trustees are directed to distribute any trust principal in fee simple to a person who isthenundertwenty-five (25) years of age, the Trustees shall be authorized to hold such property in trust for that person until he becomes twenty-five (25) years of age, and in the meantime shall use such part of the incnme and the »rincinal of the Tn~ct as the Tr~ictPec may dP~ nPrPCCary to provide for the proper support and education of that person in the standard of living to which he has become accustomed. If that person should die before becoming twenty-five (25) years of age, the property then remaining in trust shall be distributed to the personal representative of the person's estate. C. In making distributions from the Trust to or for the benefit of any minor or other person under a legal disability, the Trustees need not require the .appointment of a guardian, but shall be authorized to pay or deliver the distribution to the custodian of the person, to pay or deliver the distribution to the person without the intervention of a guardian, to pay or deliver the distribution to the legal guardian of the person if a guardian has already been appointed, or to use the distribution for the benefit of the person. D. In the distribution of the Trust and any division into separate trusts and shares, the Trustees shall be authorized to make the distribution and division in money or in kind or in both, regardless of the basis for income tax purposes of any property distributed or divided in kind, and the distribution and division made and the values established by the Trustees shall be binding and conclusive on all persons taking hereunder. The Trustees may, in making such distribution or division, allot undivided interests in the same property to several trusts or shares. E. If at any time after the death of both Settlors the total fair market value of the assets of any trust established or to be established hereunder is so small that the Trustees' annual fees for administering the trust would be equal to or less than the minimum annual fees set forth in the Trustees` regularly published fee schedule then, in effect, the Trustees in their discretion shall be authorized to terminate the trust or to decide not to establish the trust, and in such event the property then held in or to be distributed to the trust shall be distributed to the persons who are then or would 10 be entitled to the income of the trust. If the amount of income to be received by the persons is to be determined in the discretion of the Trustees, then the Trustees shall distribute the property among the persons to whom the Trustees are authorized to distribute income, and in such proportions, as the Trustees in their discretion shall determine. F. The Trustees shall be authorized to lend or borrow, including the right to lend to or borrow from the estates of either or both of the Settlors, at an adequate rate of interest and with adequate security and upon such terms and conditions as the Trustees shall deem fair and equitable. G. The Trustees shall be authorized to sell or purchase, at the fair market value as determined by the Trustees, any property including any property to or from the estates of either or both of the Settlors, or any trust created by either or both of the Settlors during life or by Will, even though the same person or corporation maybe acting as executor o~ either or both of the Settlors' estates or as trustee of any such other trusts and as the Trustees of this Trust. H. The Trustees shall have discretion to determine whether items should be charged or rrPr~itPr~ to inc~nmP nr prinr.ir»,al nr allnratP~ 1~Pt~x~P~» in~nmP ,a,,~nri tnrin~it»„a,,l ac T'n,~ctPP~ ma~ riPam equitable and fair under all the circumstances, including the power to amortize or fail to amortize any part or all of any premium or discount, to treat any part or all of the profit resulting from the maturity or sale of any asset, whether purchased at a premium or at a discount, as income or principal or apportion the same between income and principal, to apportion the sales price of any asset between income and principal, to treat any dividend or other distribution on any investment as income or principal or to apportion the same between income and principal, to charge any expense against income or principal or apportion the same, and to provide or fail to provide a reasonable reserve against depreciation or obsolescence on any asset subject to depreciation or obsolescence, all as the Trustees may reasonably deem equitable and just under all of the circumstances. I. The Trustees are hereby authorized and empowered to purchase such insurance policies as they deem appropriate. 5.02. Actions and Voting~by Trustees. When the authority and power under this Trust is vested in two (Z) or more Trustees or Co-Trustees, the authority and power under this Trust or granted bylaw shall be vested in, and exercised by, each of the Trustees individually or all of the Trustees jointly, such that each Trustee may act independently, or the trustees may act jointly, in the administration or under the terms of the Trust agreement. 5.03. Trustees Power to Deal with Environmental Hazards. The Trustee shall have the power to use and expend the trust income and principal to (i) conduct environmental assessments, audits, and site monitoring to determine compliance with any environmental law or regulation thereunder; (ii) take all appropriate remedial action to contain, clean up or remove any environmental hazard including a spill, release, discharge or contamination, either on its own accord or in response to an actual or threatened violation of any environmental law or regulation thereunder; (iii) institute 11 Legal proceedings concerning environmental hazards or contest or settle legal proceedings brought by any local, state, or federal agency concerned with environmental compliance, or by a private litigant; (iv) comply with any local, state or federal agency order or court order directing an assessment, abatement or cleanup of any environmental hazards; and (v) employ agents, consultants and legal counsel to assist or perform the above undertakings or actions. Any expenses incurred by the trustee under this paragraph may be charged against income or principal as the trustee shall determine. ARTICLE VI. SPENDTHRIFT PROVISION 6.01. General Provisions. No beneficiary shall have the power to anticipate, encumber or transfer his interest in the Tn~st Estate in any manner other than by the valid exercise of a Power of Appointment. No part of the Trust Estate shall be liable for or charged with any debts, contracts, liabilities or torts of a beneficiary or subject to seizure or other process by any creditor of a beneficiary. ARTICLE VII. CONSTRUCTION OF TRUST 7.01. Choice of Law. This Trust shall be administered and interpreted in accordance with the laws of the Commonwealth of Pennsylvania. 7.02. Code. Unless otherwise stated, all references in this Trust to section and chapter numbers are to those of the Internal Revenue Code of 1986, as amended, or corresponding provi sions of any subsequent federal tax laws applicable to this Trust. 7.03. Other Terms. Unless the context otherwise requires, the use of one or more genders in the text includes all other genders, and the use of either the singular or the plural in the text includes both the singular and the plural. 7.04. Captions. The underlined captions set forth in this Agreement at the beginning of the various divisions hereof are for convenience of reference only and shall not be deemed to define or limit the provisions hereof or to affect in any way their construction and application. 7.05. Situs of Trust. The Trust shall have its legal situs at York County, Pennsylvania. ARTICLE VIII. COMPENSATION OF TRUSTEES AND APPOINTMENT OF SUCCESSOR TRUSTEES 8.01. Compensation. The Trustees shall receive as their compensation for the services 12 performed hereunder that sum of money which the Trustees normally and customarily charge for performing similar services during the time which they perform these services. 8.02. Removal of Trustees. Settlors, during their lifetimes, or the survivor of them, may remove the Trustees, or any of them, at any time or times, with or without cause, upon thirty (30) days' written notice given to the current Trustees. Upon the death of both of the Settlors, a majority of the current beneficiaries may remove the Trustees, or any of them, at any time or times, with or without cause, upon thirty (30) days' written notice given to the current Trustees. Upon removal of the Trustees, or any of them, a successor Trustee(s) shall be appointed in accordance with the terms set forth in Paragraph 8.03. 8.03. Successor Trustees. The Trustees may resign at any time upon thirty (30} days' written notice given to the Settlors; or the survivor of them, or in the event of the death of both Settlors, upon thirty (30) days' written notice given to the current beneficiary or benef ciaries (including a beneficiary's natural or legal guardian or legal representative), hereunder. Upon the death, resignation, removal or incapacity of the Trustees, or any of them, a successor trustee maybe ~nneinted by the Settlnrc d»rinu~ their lifPtimPC~ nr by t~P c»tviy~r of thPm~ nr 3ftPr the death of tenth Settlors, by a majority of the current beneficiaries. Unless otherwise specified, Settlors prohibit the appointment of the beneficiary's or beneficiaries' natural or legal guardian or legal representative as Trustee and any attempt to do so shall be without authority under this Agreement. The successor Trustees shall be TENA L. EMBICK and MARY LOU ROE, to act jointly or individually. Upon the death, resignation orremoval ofboth TENA L. EMBICK and MARY LOU ROE, then ADAM H. EMBICK and STEPHEN A. ROE shall serve jointly or individually as the successor Trustees. Any other successor Trustee shall be a financially sound and competent corporate Trustee or an individual appointed by the Settlors during their lifetimes. Any successor trustee thus appointed, or, if the Trustee shall merge with or be consolidated with another corporate fiduciary, then such corporate fiduciary, shall succeed to all the duties and to all the powers, including discretionary powers, herein granted to the Trustee. ARTICLE IX. PERPETUITIES CLAUSE 9.01. General Provisions. Notwithstanding anything to the contrary in this Trust, each disposition Settlors have made here, legal or equitable, to the extent it can be referred in its postponement of becoming a vested interest to a duration measured by some life or lives in being at the time of Settlors' deaths is definitely to vest in interest, although not necessarily in possession, not later than twenty-one (21 }years after such lives (and any period of gestation involved); or, to the extent it cannot be referred in any such postponement to such lives, is to so vest not later than twenty-one (21) years from the time of Settlors' deaths. ARTICLE X. REVOCATION AND AMENDMENTS 13 10.01. Reservation of Powers. The Settlors expressly reserve the powers to: (i) revoke this Agreement by an instrument in writing delivered to the Trustees while the Settlors, or either ofthem, are alive, (ii) to alter, amend or modify this Agreement at any time or from time to time by an instrument or instruments in writing delivered to the Trustees while the Settlors, or either of them, are alive, but no such alteration, amendment or modification shall increase the duties nor change the basis for compensation of the Trustees without their written consent, and (iii) withdraw from this Trust any life insurance policy or other property forming a part of this Trust, which property or the proceeds therefrom was added to this Trust by Settlors. Any such withdrawal by the Settlors shall be considered a revocation of this Trust solely with respect to the policy or other property withdrawn. 10.02. Effect of Either Settlor's Incapacity. A. If Either Settlor Incapacitated. If at the time of any attempted exercise of (a) powers reserved to a Settlor, or (b) any other powers to demand and receive the principal of this Trust (if any are granted in this Agreement), the Settlor, attempting to exercise the power, is incapacitated (as defined below in subparagraph (C)), through illness, age or other cause, then the Trustees shall disregard any in~tructinn~ frnm s~?ch SPttinr which have the PffPct of remaking, altPrin~ amPn~lino vi or modifying this Agreement in whole or in part or enabling the Settlor to withdraw from the Trust any life insurance policy or any other property forming a part of this Trust. B. Settlors' Retained General Powers of Appointment. Notwithstanding the above provisions, each Settlor shall always have the right to exercise a general power of appointment, by a will, specifically referring to the reservation of this general power of appointment in this subparagraph (B), to appoint all of the Trust property to the estate of the Settlor, the creditors of the Settlor, or the creditors of the Settlor's estate. C. Definition of Incapa~ For purposes of this Trust, a Settlor or a Trustee shall be deemed to have become incapacitated upon the happening of either one of the following events: (1) Admission of Incapacity. Delivery, by hand, or by mail to the Trustees then serving, of a written instrument from a Settlor or a Trustee declaring that the person no longer considers that he or she should possess the power (as Settlor) to exercise any of the powers reserved by the Settlor in this Article X or any other powers to demand and receive the principal of this Trust, except the general power of appointment reserved above in subparagraph 10.02(B), or the power (as Trustee) to continue to serve as Trustee, or (2) Medical Certification of Lack of Capacity. Delivery, by hand or by mail, to the Trustees then serving, of written instruments by two physicians licensed to practice medicine, one of whom must be a board certified psychiatrist and the other of whom must be a board certified internist, that a Settlor or a Trustee no longer has the capacity, as a result of illness, age or other cause: (i) i n the case o f a 14 Settlor, to exercise any powers reserved by the Settlor over the Trust under the terms of this Article X or any other powers to demand and receive the principal of this Trust, except that notwithstanding any other provision to the contrary, the reserved general power of appointment of a Settlor, as set forth in subparagraph 10.02(B) above, shall always be exercisable by the Settlor, or (ii} in the case of a Trustee, to continue to serve as a Trustee. (3) Powers Personal to the Settlors. The powers reserved by and to the Settlors in this Article X shall be personal to the Settlors and shall not be exercisable by any conservator, committee, guardian or like fiduciary, except a valid Durable Power of Attorney, nor shall they be assignable to nor extend to the executor or administrator of the Settlors' estates, nor to any beneficiary named herein. Upon the death of the Settlors this Trust shall be deemed irrevocable. ARTICLE XI. ACQUISITION OF UNITED STATES TREASURY BONDS ELIGIBLE FOR TAX PAYMENT: PAYMENT OF TAXF,~_ FUNERAL EXPENSES, AND EXPENSES OF ADMINISTRATION 11.01. Acquisition of Bonds. The Trustees may, at any time, without the prior approval or direction of the Settlors and whether or not the Settlors are able to manage their own affairs, acquire United States Treasury Bonds selling at a discount, which bonds are redeemable at their par value plus accrued interest thereon for the purposes of applying the proceeds to the payment of the United States estate tax on either Settlor's estate; and the Trustees may borrow from any lender, including themselves, with or without security, to so acquire these bonds. 11.02. Pavment of United States Estate Tax by Bond Redemption. The Settlors direct that any United States Treasury Bonds which may be redeemed at their par value plus accrued interest thereon for the purpose of applying the proceeds to the payment of the United States estate tax imposed on either Settlor's estate, and which are held by the Trustees, shall, to the extent of the amount determined to be required for payment of the estate tax, be distributed to the legal representative of the deceased Settlor's estate to be used by the legal representative ahead of any other assets and to the fullest extent possible to pay the estate tax. 11.03. Pavment of Death Taxes and Other Estate Settlement Costs. After the Trustees have complied with paragraph 11.02, above, and have ascertained from the legal representative that all such bonds have been redeemed in payment of the United States estate tax, the Trustees shall also ascertain from the legal representative whether the legal representative has sufficient assets to pay the remaining legacy, succession, inheritance, transfer, estate and other death taxes or duties (except the additional estate tax imposed by Section 2032(c), or corresponding provisions of the Internal Revenue Code of 1986 applicable to the deceased Settlor's estate and imposing the tax), levied or assessed against the deceased Settlor's estate (including all interest and penalties thereon), all of 15 which taxes, interest and penalties are hereinafter referred to as the death taxes, interest and penalties. If the legal representative advises the Trustees that insufficient funds exist to pay ali the death taxes, interest and penalties, the Trustees shall then pay to the legal representative from the trust property, an amount equal to all the death taxes, interest and penalties in excess of the funds available to the legal representative for this purposes, which payments are to be made without apportionment. In making the payments, the Trustees shall use only those assets or their proceeds which are includable in the deceased Settlor's gross estate for purposes of the United States estate tax. If the deceased Settlor's legal representative advises the Trustees that there are sufficient funds available to pay the death taxes, interest and penalties, then the Trustees may nonetheless pay to the legal representative from the trust property, all or any portion, as the Trustees in their sole discretion deem advisable and in the best interests of the deceased Settlor's beneficiaries named in this Trust, of (a} any such death taxes, interest and penalties, whether or not on property held in or payable to the Trust, said payments to be made without apportionment, (h) the deceased Settlor's fianeral expenses, (c} claims and other debts of the deceased Settlor, whether allowed against the Settlor's estate or not, (d) expenses of administering the deceased Settlor's estate, and, (e}bequests under any will or codicil executed by the deceased Settlor. IN WITNESS WHEREOF, the Settlors and Trustees have hereunto set theirhands and seals as of the day and year first above written. -Y ~T {,+ ~. ~' ~`'~ WI~~'CTESS: J / / ,'i ~. /~j if,~/f~ f.i l t' 1~ WI~ESS: r-~~ ~ s ~, 3- f ~ (SEAL) LEO S. DRZAL ETTLOR i' ~ ~ _ i ~y~-~.~ ~:.::'~~~ ~.~- (SEAL) JE NIE DRZAL, SE~ LOR COMMONWEALTH OF PENNSYLVANIA f ,~ SS: ~` ~ , COUNTY OF . C~;. y` C~~~G ~~~ ~` , ,, On this, the 4`'' day of August, 2005, before me, a Notary Public, the undersigned officer, personally appeared LEO S. DRZAL and JENNIE DRZAL, husband and wife, known to me (or satisfactorily proven) to be the persons whose names are subscribed to the within Trust Agreement, and acknowledged that they executed the same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my han _ d official Seal. ~~ r - , ~C- c. ~~~~~~3.~9ut Notary Public 1~er: !_. 4'~`af~:8~, ~~rTfx[)t ~f;;;iic M I_e~~oy€,4~ Esc;r~.,, ~€~~nR;;:~a; ~f~ C,oun~~ ~ y Commission Expires: f1/~,t (~Oll'i'i'iES:~l~il ~_ i~iE'S ~}cIt ~..`-_~E;', c(~~% _ 16 The foregoing Trust Agreement was delivered, and is hereby accepted, at Lemoyne, Pennsylvania, on August 4, 2005. WITNESS: ,~ -' ~~ i.: f: - -`.__ t ,~' '?~ < < ~ ,%r`` - (SEAL) LEO S. DRZAL, ' STEE ~/' ~ ~ -~--; ._ ~, ~ ' ~ '`z-~" (SEAL) JENNIE DRZAL, TRUS~' L 17 SCHEDULE "A" SCHEDULE REFERRED TO IN THE ANNEXED TRUST AGREEMENT DATED AUGUST 4, 2005 FROM LEO S. DRZAL AND .TENNIS T)RZAL, SETTL0~2S TO LEO S. DRZAL AND JENNIE DRZAL, TRUSTEES ------------------------------------------------------------------------------------------------------------------ PROPERTY DESCRTPTTON: 18 Estate of Leo S. Drzal Pennsylvania Inheritance Tax Return Form REV-1500 EXHIBIT E Documentation of Assets Leon D. Gerlach, Appraiser Commercial, Industrial 8~ Residential DRZAL-1295 Kingsley File No, H0902019B APPRAISAL OF r ;t:~~ ,. ., - ~. . _.r , ~~~ - -~ ,,~„,,, ~~,~ ~ . .,.~. ~ ~; , ,., LOCATED AT: 1295 Kingsley Road Camp Hill, PA 17011-6115 FOR: DRZAL Leo Estate 1293 Kingsley Road Camp Hill, PA 17011-6115 BORROWER: Leo DRZAL Estate AS OF: February 11, 2009 BY: Leon D. Gerlach, MSA, MFLA, GAA, CCRA Pa Certified General Real Estate Appraiser Certification Number GA-000368-L 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 Leon D. Gerlach, Appraiser. Commercial, Industrial & Residential DRZAL-1295 Kingsley Y'lle N0. 1-IU`JULU ly[3 02/25/2005 Estate DRZAL Leo Estate 1293 Kingsley Road Camp Hill, PA 17011-6115 File Number; H09020198 Dear Estate In accordance with your request, I have appraised the real property at; 1295 Kingsley Road Camp Hill, PA 17011-6115 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 11, 2009 is: $127,000 One Hundred Twenty-Seven Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, limiting conditions and appropriate certifications. Respectfully Submitted, ,',/ c;7 Leon D. Gerlac SA, MFLA, GAA, CCRA Pa Certified General Real Estate Appraiser Certification Number GA-000368-L 305 West Shady Lane, Enola, PA 17025-2240 .... Phone 717-732-5052 Fax 717-732-6646 email: gerlachl@verizon.net 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 SUMMARY APPRAISAL REPORT DRZAL-1295 Kingsley oaerty Descrtption___ UNIFORM RESIDENTIAL APPRAISAL REPORT File No. H09020196 Pro ert Address 1295 Kin sle Road Cit Cam Hill State NH ~p Goae , r u i 1-0 1 1 ~ Le al Desrxi tion DEED REF: 025E-0806 NOT ATT PER CLIENT Cam Hill Borou h count Cumberland Assessor's Parcel No. 13-23-0545-297 Tax Year 08/09 R.E. Taxes $ 1 746.00 S ecial Assessments $ N KNOW N Borrower Leo DRZAL Estate Current Owner SAME Occu ant; Owner X Tenant Vacant Pro ert ri hts a aised X Fee Sim le Leasehold Pro ect T e PUD Condominium HUD/VA onl HOA$ N/A IMo. Nei hborhood or Pro'ect Name Cam Hill Borou h Ma Reference ADC-H-20G3 Census Tract 3240-041-109 Sale Price $ OPINION VAL Date of Sale N/A Descri lion and $ amount of loan char es/concessions to be aid b seller LenderlClient DRZAL Leo Estate Address 1293 Kin sle Road Cam Hill, PA 17011-6115 A raiser Leon D. Gerlach MSA MFLA GAA CCRA Address 305 West Shad Lane Enola PA 17025-2240 ~ Location Urban X Suburban Rural Built up X Over 75% 25-75°,6 Under 25% Growth rate Repid X Stable ^ Siow Predominant occupancy X^ Owner 91 Single family housing StR~iE AGE 45 Low 6 Present land use % One family 46% 2-4 family 6% Land use change X^ Not likely ^ Likely ^ In process X Stable ^ Declinin i I ^ Tenant 9 380 Hi h 80 Multi-family 2% To: g ng ncreas Property values e X In balance ^ Oversupply rt Sh l / X Vacant(0-5°r6) >; Predominant `~ `" ~ +: Commercial 13% o ag y supp Demand Marketin time Under 3 mos. X 3-6 mos. Over 6 mos. vacs°~ ~« sx , 190 45 I NDUST 1 Note: Race and the racial composition of the neighborhood are not appraisal factors. Neighborhood boundaries and characteristics: See Attached Addendum. Factors that affect the marketability of the properties in the neighborhooQ (proximity to employment and amenities, employment stability, appeal to market, etc.): This Cam Hill Borou h nei hborhood is com rised rimaril of ro erties reflectin similar ualit maintenance desi n and a eal and marketabilit to the sub'ect ro ert . Availabitit for this nei hborhood of most ublic services combined with avers a access to em to ment sho in and schools fives it a similar a ea) to the market as other nearb nei hborhoods. No unfavorable factor was observed which would adverse) affect marketabilit . Market conditions in the subject neighborhood (including support for the above conclusions related to the trend of property values, demandlsupply, and marketing time - -such as data on competitive properties for sale in the neighborhood, description of the prevalence of sales and financing concessions, etc.): See Attached Addendum. Project Information for PUDs (If applicable) - • Is the developerlbuilder in control of the Home Owners' Association (HOA)? YES NO Approximate total number of units in the subject project N/A Approximate total number of units for sale in the subject project Describe common elements and recreational facilities: Dimensions NO DEED PROVIDED SITE SIZE FROM TAX ASSESSMENT RECORDS Site area 0.16 Acres M/L Corner Lot Yes X No Specific zoning classitication and description R-1 Sin le Famil Established Residential 2003 Zoning compliance X^ Legal ^ Legal noncontorrrang (Grandfathered use) Illegal No zoning Hi hest & best use as im roved: X Present use Other use ex lain Topography LEVEL Size TYPICAL FOR AREA Shape APPROXIMATE RECTAN Drainage APPEARS ADEQUATE View TYPICAL OF NEIGHBOR Utilities Public Other Electricity X^ Gas ~ Water ~ Sanitary sewer X^ Storm sewer X Oft-site Improvements Type Public Private Street ASPHALT X^ ^ Curblgutter CONCRETE ~ ^ Sidewalk CONCRETE X^ ^ Street lights MERCURY VAPOR X^ ^ Alle NONE TYP Landscaping TYPICAL FOR NEIGHBOR Driveway Surface CONCRETE Apparent easements NOTED TYPICAL UTILITY FEMA Special Flood Hazard Area Yes X No FEMA Zone C Map Date 09/30/1977 FEMA Ma No. 421016-00028 Comments (apparent adverse easements, encroachments, special assessments, slide areas, illegal or legal nonconforming zoning, use, etc.): See Attached Addendum. GENERAL DESCRIPTION No. of Units 1 No. of Stories 1 Type(Det./Att.) DETACHEC Design (Style) 1-STORY Existing/Proposed EXISTING Age (Yrs.) 58 Effective A e Yrs. 16 EXTERIOR DESCRIPTION Foundation CON BLK Exterior Walls ALUM SIDING RooiSurface SHINGLE Gutters & Dwnspts. ALUM-ALUM Window Type VINYL INGL StorMScreens INGL/YES Manufactured House NO FOUNDATION Slab NO Ga~MSpace NO Basement YES Sump Pump FLOOR DRAIN Dampness NONE NOTED Settlement NONE NOTED Infestation NONE NOTED BASEMENT Area Sq.Ft. 1039 % Finished 50 Ceiling TILE Walls PANELING Floor CONCRETE Outside Entry NO INSULATION Root ^ Ceiling R-19 +/- ^X Walls R-11 +/- X^ Floor ^ None ^ unknown ^ STANDARD AGE ROOMS Fo er Livin Dinin Kitchen Den Famil Rm. Rec. Rm. Bedrooms # Baths Laund Other Area S .Ft. Basement 1 1 1 039 Level t 1 1 1 1 3 1 1 039 Level 2 0 0 Finished area above rade contains: 7 Rooms 3 Bedroom s ; 1 : 0 Bath s ~ 1 039 S uare Feet of Gross Livin Area INTERIOR Materials/Condition Floors CARP-VI NY/AVG HEATING Type H.AI R KITCHEN EQUIP. Refrigerator P ATTIC None ^ AMENITIES Fireplace(s) # ^ CAR STORAGE: Nona ^ Walls DRYW L-PNT/AVG Fuel GAS Range/Oven G Stairs ^ Patio CONCRETE ^ Garage # of cars TriMFinish WD/PAINT/AVG ConditionAVERG Disposal N Drop Stair ^ Deck ^ Attached Bath Floor VINYUAVG Bath Wainscot FIBERGLASS/AVG Doors WD-PAINT/AVG COOLING Central CEN A/C Other NONE Dishwasher ND Fan/Hood X^ Microwave X^ Scuttle X^ Floor ^ Heated ^ Porch STOOP ^ Fence ^ Pool ^ Detached Built-In Carport 1 ConditionN/A Washer) er P Finished Drivawa 2 4dditional features (special energy efficient items, etc.): Standard stoop, concrete patio, and typical site improvements for this neighborhood. :ondition of the improvements, depreciation (physical, functional, and external), repairs needed, quality of construction remodelingladditions, etc.: See Attached 4ddendum. adverse environmental conditions (such as, but not limited to, hazardous wastes, toxic substances, etc.) present in the improvements, on the site, or in the mmediate vicinity of the subject property: See Attached Addendum. e Mac ram 70 6-93 PAGE 1 OF 2 Fannie Mae Form 1004 6-93 P,oducad wing ACI aahwua, 600.234.6727 www.aclweb.com SUMMARY APPRAISAL REPORT DRZAL-1295 Kingsley ,~,,,,, c.~1,,,., UNIFORM RESIDENTIAL APPRAISAL REPART ,Ftle_No._.HQ9t)2Q1.98 ___ ~ ESTIMATED SITE VALUE, f2~Pj_AC,~(vJ~NT ~O$T,US,~G = $ I ESTIMATED REPRODUCTION COST-NEW OF IMPROVEMENTS: Dwelling 1,039 Sq. FL @ $ _ $ 0 Bsmt. 1039 Sq. Ft. @ $ = 0 Comments on Cost Approach (such as, source of cost estimate, site value, square toot calculation and for HUD, VA and FmHA, the estimated remaining economic life of the property): SEE SKETCH ADDENDUM = Marshall & Swift Cost Service combined with the a raisers Garage/Carport 288 Sq. Ft. @ $ = 0 ex erience have been used to arrive at re lacement cost _ $ 0 Total Estimated Cost New fi ures. Land value is an estimate based on the limited Less 60 Physical • , , , , , , Functional , , , , , , , , , External Est. Remaining Econ. Life: 44 number of lot sales in the area. I Depredation ( = $ 0 Depreciated Value of Improvements , , , , , , , , , , , , , , , , , , , _ $ 0 "As-Is"Value of Site Improvements,,,,,,,,,,,,,,,,,,, _$ INDICATED VALUE BY COST APPROAC H • • • • • • • • • • _ $ 0 ITEM SUBJECT COMPARABLE N0. 1 COMPARABLE N0.2 COMPARABLE N0.3 1295 Kingsley Road Address Cam Hill BOrOU h 1297 Kingsley Road Lower Allen Townshi 1178 Kingsley Road Lower Allen Townshi 1174 Kingsley Road Lower Allen Townshi Proximit to Sub'ect r '"; ~ , 0.01 MILE WEST 0.2 MILE EAST 0.2 MILE EAST Sales Price OPINION VAL $ ' ' $ 132 000 . t {° •~'' $ 136 000 ~'~~~.• '' $ 127 000 PricelGross Liv. Area $ 0.00 ~ $ 127.78 dJ , •' • ~ ~ ~' ""1 ' $ 131.66 ~ ~° _ ~ . -`' ~~'~, $ 122.94 lZl '~~ ~~' ~ r'' ~"~~ Data andlor Verification Sources MLS/STEB TAX ASSMT RECORDS MLS/STEB TAX ASSMT RECORDS MLS/STEB TAX ASSMT RECORDS VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + • SA uetmeM DESCRIPTION + - SAd'ustmenl DESCRIPTION ~ - SAd'uslment Sales or Financing Concessions -M, A<. ' , s-., t~` , ? " ~ CONVENTIONAL ; 0 ~ NONE KNOWN ~ 0 FHA 0 SELLER HELP ~ -2 000 FHA 0 SELLER HELP -2 000 Date of SalelTime _ ' ' A :'~~ ~`,: ~ ' ;`u 01 /2009 ~ 0 01 /2008 0 05/2008 0 Location Suburban SIMILAR 0 SIMILAR 0 SIMILAR 0 LeaseholdiFee ' FEE SIMPLE FEE SIMPLE 0 FEE SIMPLE ~ 0 FEE SIMPLE 0 site 0.16 Acres M/L 0.25A/SIMILAR 0 0.24A/SIMILAR 0 0.19A/SIMILAR 0 view TYPICAL OF NEIi TYPICAL/NEIG 0 TYPICAL/NEIG 0 TYPICAL/NEIG 0 Desi n and A eel 1-STY/DETACH 1-STY/DETACH ~ 0 1-STY/DETACH ~ 0 1-STY/DETACH ~ 0 Chia ofCorutnxiion AVERAGE/SIDIN SIMILAR/SIDIN ~ 0 SIMILAR/SIDIN 0 SIMILAR/SIDIN ~ 0 A e 58A/16E 57/10 -7 200 59/10 -7,200 59/12 -4 800 Condition BELOW AVERAC AVERAGE/SUP ~ 0 AVERAGE/SUP ~ 0 AVERAGE/SUP ~ 0 Above Grade Tolal ' Bdrms ' ealhs Tolal ' Bdrma ' Baths 0 Tolal ~ edrms ' Baths ~ Total ; edrms ; Baths Room Count 11 7~ 3~ 1 :0 6~ 3~ 1:0; 0 6~ 3~ 1:0' 0 6~ 3~ 1:0; 0 Gross Livin Area 1 039 S .Ft. 1 033 S .Ft. ~ 0 1 033 S .Ft. ~ 0 1,033 S .Ft. ~ 0 BasementBFinished Rooms Below Grade FULL FAMILY ROOM FULL 0 FAMILY ROOM 0 FULL 0 FAMILY ROOM 0 FULL 0 NONE KNOWN +1 100 Functional Utllit AVERAGEJSIMIL AVERAGE/SIMI ~ 0 AVERAGE/SIMI ~ 0 AVERAGE/SIMI ~ 0 Heatin /Coolin GAS H.AR/CEN OIL H.AR/NON +1 700 GAS H.AR/NON ~ +1 700 GAS H.AR/CEN ~ 0 Ener Efficientltems STANDARD/AGE STANDARD/AG 0 STANDARD/AG 0 STANDARD/AG 0 Gera a/Car ort 1 Car ort NONE KNOWN +700 1-CARPORT 0 NONE KNOWN +700 Porch, Patio, Deck, Fire lac s,etc. STOOP-PATIO NONE KNOWN STOOP-PATIO ~ 0 NONE kNOWN 0 STOOP-PATIO 0 NONE kNOWN 0 STOOP-DECK 0 NONE kNOWN 0 Fence, Pool, etc. NONE KNOWN NONE KNOWN ~ 0 NONE KNOWN 0 NONE KNOWN 0 ' 0 0 0 Net Ad'. total ~-tip', ~ ~+„ , •'.a + X - ; $ 4 800 + X - ' $ 7 500 + X - ' $ 5 000 Adjusted Sales Price of Com arable ~* '" k•7;~'~^~, j;~',~ ~ ~ i ~~~.~"~... °"'~ `GroSS +~ ,~ Met~u'.~i ,k ,~ $ 127 200 ~Gfos5 8 ~° ` ~ t.'. ~.5°!'~~~ $ 128 500 ~~ross:Y6~~~~'~;;~r ~'Ne~. ''3u9 0 :~~1 $ 122 000 Comments on Sales Comparison (including the subject property's compatibility to the neighborhood, etc. ): See Attached Addendum. ITEM SUBJECT COMPARABLE NO. 1 COMPARABLE N0.2 COMPARABLE N0.3 Date, Price and Data Source for prior sales v~ithin earota sisal LAST:1974 TAX ASSMNT 11/27/2007 $105,000 06/01/1973 $24,000 TAX ASSMNT 08/29/2007 $1 12/01/2006 $70,000 TAX ASSMNT YEAR OF PRIOR SALE -2001 TAX ASSESSMENT Analysis of any current agreement of sale, option, or listing of the subject property and analysis of any prior sales of subject and comparables within one year of the date of appraisal: THE SUBJECT PROPERTY WAS NOT LISTED FOR SALE AT THE TIME OF THE VIEWING OR IN THE PAST YEAR. INDICATED VALUE BY SALES COMPARISON APPROACH ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,$ INDICATED VALUE BY INCOME APPROACH If Ilcable Estimated Market Rent $ N/A /Mo. x Gross Rent Multi tier N/A = $ 0 This appraisal is made X "as Is" subject to the repa'rs, alteratans, inspections or conditions listed bebw subject to completion per plans and spedfications. ConditbnsorAppraisal: See Attached Addendum. Final Reconciliation: See Attached Addendum. The purpose of this appraisal is to estimate the market value of the real property that is the subject of this report, based on the above conditions and the certification, contingent and limiting conditions, and market value definition that are stated in the attached Freddie Mac Form 439/Fannie Mae Form 10048 (Revised OG-1993 ). I (WE) ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT, AS OF 02/1 1 /2009 (WHICH IS THE DAT F INSPECTIO ND THE EFFECTI E DATE OF THIS REPORT) TO BE $ 127,000 APPRAISER: SUPERVISORY APPRAISER (ONLY IF REQUIRED): 5i nature Signature ^Did ^Did Not Name Leon D. Gerlach MSA MFLA GAA CCRA Name Inspect Property Date Report Signed 02/19/2009 Date Re ort Si ned State Certification # GA000368L State PA State Certification # State Or State License # State Or State License # State lie Mac Farm )0 6-93 a e Ile enera ea PAGE 2 OF 2 Fannie Mae Farm 1004 6-93 Mate Appraiser Produced utlrq ACl eollwaa, 800.231.8)27 www.aclwet.com Leon D. Gerlach, Appraiser SUMMARY APPRAISAL REPORT DRZAL-1295 Kingsley nnlsn,enfsl Valuafinn t.~frnn UNIFORM RESIDENTIAL APPRAISAL REPORT File Ne. H09020198 ITEM SUBJECT COMPARABLE N0.4 COMPARABLE N0. 5 COMPARABLE N0.6 1295 Kingsley Road Address Cam Hill Borou h 1295 Strafford Road Lower Allen Townshi 1521 Carlisle Road Lower Allen Townshi 1400 Warwick Road Lower Allen Townshi Proximi toSub'ect ,' ~,,- ''~ ~`- 0.2 MILE EAST 0.3 MILE SOUTHWEST 0.1 MILE SOUTH ' Sales Price $ OPINION VAL "~ .:- , $ 143 000 , • ° ~_ "' • $ 140 000 ~~„; ' ~~ $ 132 500 Price/Gross Liv. Area $ 0.00 ~ $ 152.29 ~ x, - ,~ ` '.: $ 124.44 ~ :, e ~ '~~ - , ,'. ~ $ 104.33 R1 ' „ ~~:-~' ''ti ~~'.-; Data and/or verification Sources MLS/STEB TAX ASSMT RECORDS MLS/STEB TAX ASSMT RECORDS MLS/STEB TAX ASSMT RECORDS VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + • SAd' etment DESCRIPTION + • SAdustmant DESCRIPTION + - SAdjustmenl Sales or Financing Concessions x ~~ '+~` ~ to '4 ~?!~ >~~~~ ~~ti~~+~ ~': CONVENTIONAL ; 0 " SELLER HELP -5 500 CONVENTIONAL ; 0 NONE KNOWN 0 CONVENTIONAL ; 0 NONE KNOWN ~ 0 Date of SalelTime , / ~~R` ., .,~'`s ti' -; ~ 11 /2008 ~ 0 06/2008 0 01 /2008 0 Location Suburban SIMILAR 0 SIMILAR 0 SIMILAR 0 Leasehok><Fee ' FEE SIMPLE FEE SIMPLE 0 FEE SIMPLE 0 FEE SIMPLE 0 Site 0.16 Acres M/L 0.14A/SIMILAR 0 0.18A/SIMILAR 0 0.24a/similar 0 view TYPICAL OF NEIL TYPICAL/NEIG 0 TYPICAL/NEIG 0 TYPICAL/NEIG 0 Desi n and A eal 1-STY/DETACH 1-STY/DETACH ~ 0 1-STY/DETACH ~ 0 1-STY/DETACH ~ 0 Oua otConstrudion AVERAGE/SIDIN SIMILAR/BRICK 0 SIMILAR/BRICK ~ 0 SIMIL/BRK-SIDI ~ 0 A e 58A/16E 56/10 -7 200 59/10 -7,200 57/12 -4 800 Condition BELOW AVERAG AVERAGE/SUP ~ 0 AVERAGE/SUP ~ 0 AVERAGE/SUP ~ 0 Above Grade Total ' BMms ' Bathe Total ' edrms ' Baths 0 Total ' BMms ' aalhs 0 Total ' Bdrms Balhs ~ 0 Room Count 7~ 3~ 1 : 0 5~ 3~ 1 : 0 ; 0 5~ 2~ 1 : 0 ; 0 6~ 3~ 1 : 0 ; 0 GrossLivin Area 1 039 S .Ft. 939 S .Ft. +1 100 1 125 S .Ft. 0 1,270 S .Ft. -2,500 Basement & Finished Rooms Below Grade FULL FAMILY ROOM FULL 0 FAMILY ROOM 0 FULL 0 NONE KNOWN +1 100 FULL 0 NONE KNOWN +1,100 Functional Utilit AVERAGE/SIMIL AVERAGE/SIMI ~ 0 AVERAGE/SIMI ~ 0 AVERAGE/SIMI ~ 0 Heatin ICoolin GAS H.AR/CEN GAS H.AR/CEN ~ 0 OIL H.AR/CENT 0 OIL H.AR/NON +1 700 Ener Effiaent Items STANDARD/AGE STANDARD/AG 0 STANDARD/AG 0 STANDARD/AG 0 Gara elCar ort 1 Car ort 1-CAR GR/AT -500 1-CAR GR/AT -500 2-CAR GR/AT -1 700 Porch, Patio, Deck, Fire lac s ,etc. STOOP-PATIO NONE KNOWN STOOP-PATIO 0 NONE kNOWN 0 STOOP-PATIO 0 NONE kNOWN 0 STOOP-PATIO 0 NONE kNOWN 0 Fence, Pool, etc. NONE KNOWN NONE KNOWN ~ 0 NONE KNOWN ~ 0 NONE KNOWN ~ 0 0 0 0 Net Ad'. total N;=''~`•; •" ` " + X - ' $ 12 100 + X - ; $ 6 600 + X - ; $ 6 200 Adjusted Sales Price oiCom arable ~s ti ;~ ~~';; ,~' tau ...~ `~:'~` ~x liGr¢ss~ 10o a~+ tJei,..,. ~~.- ''. $ 130 900 Gr~~ bo?fix r`~, Net: ,4r,7,°lo.~ti _: $ 133,400 ',Gr;~ss,h8 ~9% F i ':Net. r4 7%;" ~;' $ 126 300 Comments on Sales Comparison (including the subject property's compatibility to the neighborhood, etc. ): SEE ATTACHED ADDENDUM ITEM SUBJECT COMPARABLE N0.4 COMPARABLE N0. 5 COMPARABLE N0.6 Date, Price and Data Sourcetorpriorsales within earota isal LAST:1974 TAX ASSMNT YEAR OF PRIOR SALE -1985 TAX ASSESSMENT YEAR OF PRIOR SALE -2004 TAX ASSESSMENT 01/11/2008 $1 &01/31/2007 $1 06/14/2000 $113,900 TAX ASSMNT Producao ueap ACI eo8ware, 800.234.8727 www.adweb.eom AnnCAlnl IM Borrower Leo DRZAL Estate File No.. H0902019B _ ~ Property Address: 1295 Kingsley Road Case No.: DRZAL-1295 Kingsley Road City Camp Hill State: PA Zip: 17011-6115 Lender: DRZAL Leo Estate '{ Neighborhood Boundaries No legal description or survey was furnished of the subject property, so the appraiser utilized the county tax plat plan to ascertain the physical dimensions and/or site area of the property. Should a survey prove these characteristics inaccurate, it may be necessary for this appraisal to be adjusted. INDICATED MARKET VALUE PER TAX ASSESSMENT /COMMON LEVEL RATIO: Take the tax assessment value _116,690_ /the common level ratio of _79.3_ X 100 =estimated market value of $147,150 NEIGHBORHOOD BOUNDARIES The neighborhood boundaries per this appraiser's report include the whole borough. Only using a few blocks for a neighborhood boundaries an appraiser can pick the best blocks for the report, but with a borough which includes neighborhood amenities. This appraiser's belief is that the neighborhood must include neighborhood amenities like: schools, shopping, place of worship, employment, normally expected public services and so forth. SCOPE OF WORK Viewed the subject property from the interior and exterior to note the characteristics of the property that are relevant to its valuation. Clarification of Intended Use and Intended User: The Intended User of this appraisal report is the Client. The intended Use is to evaluate the property that is the subject of this appraisal for an opinion of value, subject to the stated Scope of Work, purpose of the appraisal, reporting requirements of this appraisal report form, and Definition of Market Value. No additional Intended Users or Intended Uses are identified by the appraiser. The appraiser's investigation did include research the Central Penn MLS Service, Cumberland County STEB Report, Broker's available information and appraiser's data base for the past 12 months for comparable sales, listing (mostly for general information), rentals if needed and other data on similar properties to the subject property. Search Parameters such as date of sales, leases, location sizes, types of properties and distances from the subject property did start with relatively narrow constraints and if necessary, be expanded until the appraiser has either retrieved data sufficient (in the appraisers's opinion) to form an opinion of market value, or until the appraiser believes that he has reasonable exhausted the available pool of data. The researched comparable data was viewed and if found appropriate, efforts were made to verify the data used in this report is from the Cumberland County Tax Assessment office, Cumberland County STEB Report, Appraiser's Data Base, with a persons directly involved in the transactions such as buyers, sellers, brokers or agents some other sources or the owner. The appraiser did .report only the data deemed to be pertinent to the valuation problem. Did investigate and analyze any pertinent easements or restrictions, on the fee simple ownership of the subject property. It is the client's responsibility to supply the appraiser with a deed and/or title report. If a deed and/or title search is not available, the appraiser will rely on a visual viewing and identify any readily apparent easements or restrictions. Did analyze the data found and reach conclusions regarding the market value, as defined in the report, of the subject property as of the date of value using appropriate valuation approach (es) indicated in the report. Did prepare the appraisal in compliance with the Uniform Standards of Professional Appraisal Practice as promulgated by The appraisal Foundation and Code of Professional Ethics and Certification Standards of my memberships and the Certification Appraisal Board of PA. Will not be responsible for ascertaining the existence of any toxic waste or other contamination present on or off site.'The appraiser did, however, report any indications of toxic waste or contaminants that may effect value if they are readily apparent during appraiser's investigations. Appraiser cautions the user of the report that the appraiser is not an expert in such matters and that the appraiser may overlook contamination that might be readily apparent to parties who are experts to such matters. Did prepare a Summary Appraisal Report, as defined in USPAP, which did include photographs of the subject property, description of the subject neighborhood, the site, any improvements on the site, a description of the zoning, a highest and best use analysis, a summary of most important comparables used in the appraiser's valuation, a reconciliation and conclusion, a map illustrating the comparables in relationship to the subject property, and other data deemed by the appraiser to be relevant to the assignment. Pertinent data and analyses not included in the report may be retained in the appraiser's file. Neighborhood Market Conditions The supply and demand for this neighborhood is normal at this time. Also the marketing time is normal at this time. Market and property values appear to be relatively stable at this time with a wide variety of financing available. Buydowns and concessions do not seem to be a major factor in todays market. PRESENT LAND USE PERCENTAGE -This form does not require the reporting of vacancy percentage because it could be interpreted as being discriminative to an area as per FANNIE MAE underwriting class. So the vacancy is not being reported on this report. Per FANNIE MAE Class instructor if FANNIE MAE wants the information they will put it on the form and with vacancy removed this column can not equal 100. Site Comments Addendum Page 1 of 3 ennGAlnl IM Borrower: Leo DRZAL Estate File No.: HU902019B Property Address 1295 Kingsley Road Case No.: DRZAL-1295 Kingsley Road City Camp Hill State: PA Zip: 17011-6115 Lender: DRZAL Leo Estate For this neighborhood the subject property's site; has similar site improvements, landscaping and has had similar maintenance. The site also is similar in size, and enjoys similar topography to the other sites in this neighborhood. The present use of the site is legal as per the appraiser's interpretation of the the local zoning. No apparent adverse easements (except standard utility), encroachments or other adverse conditions exist on the subject's site or in the neighborhood. Condition of Improvements INTERIOR COMMENTS The property's heating, plumbing and electrical systems appear to be functioning properly to the best of the appraiser's knowledge and expertise. There has not been any operational inspection on any of the subject property's systems by the appraiser or and warranty or guarantee by the appraiser. IMPROVEMENTS COMMENTS The subject property is over 30 years old, but has been modernized as necessary and is marketable in its present condition. The effective age is significantly less than 30 years. DISCLOSURE -Per congress ACT 42USC4851 date October 29, 1992 the (residential lead based paint) the subject property was built prior to 1978 and could possibly contain hazardous lead paint. A negative possibility could effect marketability and value after October 28, 1995, based on cost to cure. At the time the subject property was viewed, there was no evidence of any noticeable negative effect to value or marketability in this local real estate market CONDITION COMMENTS (PHYSICAL, FUNCTIONAL AND EXTERNAL, REPAIRS NEEDED, MODERNIZATION) THIS APPRAISAL REPORT IS NOT A PROPERTY INSPECTION OR GUARANTEE OF CONDITION. There was no evidence seen or observed of dampness, termites or settlement by the appraiser at the time the subject property was routinely viewed. Basement finished area is similar in quality to that of the main level. This home has had more than typical depreciation due to the lack of regular maintenance. Floor plan provides average utility, design, and appeal for the neighborhood, and should receive average acceptance in the market place. Adverse Environmental Conditions The appraiser is not an expert in the identification of hazardous substances or detrimental environmental conditions. Appraiser's routine viewing of and inquiries about the subject property did not develop any information that indicated any apparent significant hazardous substances or detrimental environmental conditions which would affect the property negatively. It is possible that test and inspections made by a qualified hazardous substance and environmental expert would reveal the existence of hazardous material and environmental conditions on or around the property that would negatively affect its value. Comments on Sales Comparison After a thorough search of all available market data the six sales used are considered to be the best indicators of value. All six sales were considered to be weighted similarly in the final reconciliation of value. Comparables used are closed sales. SALES OR FINANCING -Sales Comparables # 2,3,4 the seller paid some of the buyers cost so an adjustment was made for the cost paid by the seller. AGE -For this report the first number is the actual age of the property as known from information available to the appraiser and the second number is the effective age +/- of the property at the time of the viewing for the subject property and for the comparable properties as of the sales date and estimated from the information available to the appraiser MLS, Tax Assessment etc. AGE & CONDITION -There is a difference in effective age and condition between the subject property and the comparable properties so adjustments were made for the differences in effective ages as from the information available to the appraiser from the MLS, Tax Assessment and etc. and adjustment for condition only if the difference can so warrant an adjustment from information available to the appraiser or the appraiser has inspected both properties. ROOM COUNT -Adjustments on this line are only for bathrooms in the gross living area. The other bathrooms are adjusted in the rooms below grade line. The other room count difference is normally adjusted in the square foot adjustment for this report. The difference in room count for bedrooms like, from two bedrooms to three bedrooms, does not have any noticeable affect on market value because of the number of single parents today in the market place. GROSS LIVING AREA -The adjustments are for the difference in Gross Living Area between the subject and the comparable sales. The amount of adjustment is from the market of the comparable sales used in this report. ROOMS BELOW GRADE -The subject property and sales Comparables #1,2,4 have a family room and sales Comparables #3,5,6 have no known finished area so adjustments were made for the difference in finished area. HEATING & COOLING -The subject property and sales Comparables #3,4,5 have central a/c and sales Comparables #1,2,6 have no central a/c so adjustments were made for no central a/c. GARAGE/CARPORT -The subject property and sales comparable #2 have a carport, sales comparable #1,3 have no garage, sales Comparables #6 has a two car garage and sales Comparables #4,5 have a one car garage so adjustments were made for the difference in a garage. All other adjustments are self explanatory. If there was no adjustment made it is because the market did not show an Addendum Page 2 of 3 nnnctUni inn Borrower: Leo DRZAL Estate File No.: H09020198 Property Address• 1295 Kingsley Road Case No.: DRZAL-1295 Kingsley Road City• Camp Hill State: PA Zip: 17011-6115 Lender: DRZAL Leo Estate adjustment should be made. The amount of the adjustments are from the information from the market. COMPARISON COMMENTS It is noted that comparable No(s). _2,3,5,6_ occurred over six months prior to the appraisal date. These comparable sales were selected after a search of the area and are considered to be the best available at the time of this report. It is better to go a little further back in time sometimes than to go further away from the subject property. In order to find comparable sales, appraiser was required to use less recent sales. Conditions of Appraisal This appraisal report has been prepared with the property in "as is" condition. No repairs noted or known. No personal property is included in this opinion of value. THIS REPORT WAS PREPARED FOR THE ESTATE OF THE PERSON LISTED IN THIS REPORT AS AN OPINION OF MARKET VALUE OF THE REAL ESTATE LISTED IN THIS REPORT AND NOT TO BE USED BY THE ESTATE FOR ANY OTHER PURPOSE AND NOT TO BE USED FOR A LENDING DECISION AND NO OTHER USE OR USER. Final Reconciliation The Market Approach is considered to be the best indicator for an opinion of value for this type and use of property and this type of report. The comparable sales are felt to provide reasonably good support for a final opinion of market value. The Income Approach was not used due to the tack of similar type properties rentals and this type of property is mostly an owner occupied property. The Cost Approach was not used on this property property because it is more reliable on new or almost new properties. Addendum Page 3 of 3 SUBJECT PROPERTY PHOTO ADDENDUM 3orrower: Leo DRZAL Estate File No.: H09020196 'roperty Address 1295 Kingsley Road Case No.. DRZAL-1295 Kingsley Road ;ity: Camp Hill State: PA Zip: 17011-6115 FRONT VIEW OF SUBJECT PROPERTY Appraised Date: February 11, 2009 Appraised Value: $127,000 REAR VIEW OF SUBJECT PROPERTY STREET SCENE FLOORPLAN Borrower: Leo DRZAL Estate Flle NO:: H09020196 Property Address' 1295 Kingsley Road Case No.: DRZAL-1295 Kingsley Road City' Camp Hill State: PA Zip: 17011-6115 lender: DRZAL Leo Estate 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 LOCATION MAP 020198 Property Address' 1295 Kingsley Road Case NO.: DRZAL-1295 Kingsley Road City' Camp Hill State: PA Zip: 17011-6115 I -ender. DRZAL Leo Estate Ql A J .~, t 'Kr ~ .-r` E Y ~1'( °~ , +~} ~' `'r.. ~ a b1~.CH ST m. ~, t,~ Z ~`1N'{y y v ~q=~:., ~ h'~,F,V fly 51a-q ~ ~ 4,i~'1 ~ i .017 y4~ r`EO ` ' I c .` Tn V. 1 a^ ~ { 4 1 r /~,..,, T r RGt? ~T r Zo "~ '° rn( '''`;~p'v+~';R -e ~: wgG '. d , `Y `4.1,. 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Street Atlas USfiJ.~ 2007 Plus. wvvw.delorme.corn N11V (11.2° W) Data Zoorrl 12-0 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 COMPARABLE PROPERTY PHOTO ADDENDUM 3orrower: Leo DRZAL Estate File No.: H0902019B 'roperty Address:1295 Kingsley Road Case No.: DRZAL-1295 Kingsley Road :,ity: Camp Hill State: PA Zip: 17011-6115 _ender: DRZAL Leo Estate COMPARABLE SALE #1 1297 Kingsley Road Lower Allen Township Sale Date: 01/2009 Sale Price: $ 132,000 COMPARABLE SALE #2 1178 Kingsley Road Lower Allen Township Sale Date: 01/2008 Sale Price: $ 136,000 COMPARABLE SALE #3 1174 Kingsley Road Lower Allen Township Sale Date: 05/2008 Sale Price: $ 127,000 COMPARABLE PROPERTY PHOTO ADDENDUM 3orrower: Leo DRZAL Estate - File No.: H09020196 ~rooerty Address:1295 Kinaslev Road Case No.: DRZAL-1295 Kingsley Road ;itv: Camn Hill __ _ State: PA Zip: 17011-6115 COMPARABLE SALE #4 1295 Strafford Road Lower Allen Township Sale Date: 11/2008 Sale Price: $ 143,000 COMPARABLE SALE #5 1521 Carlisle Road Lower Allen Township Sale Date: 06/2008 Sale Price: $ 140,000 COMPARABLE SALE #6 1400 Warwick Road Lower Allen Township Sale Date: 01/2008 Sale Price: $ 132,500 DRZAL-1295 Kingsley File No. H0902019B DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he considers his own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions' granted by anyone associated with the sale, "Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the Appraiser's judgment. STATEMENT OF 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: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of it being under responsible ownership. 2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand. 5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if they are 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 of the subject property or that he or she became aware of during the normal research involved in performing the appraisal, Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden or unapparent conditions of the property or adverse environmental conditions (including the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied, regarding the condition of the property. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment of the property. 7, The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that he or she considers to be reliable and believes theme to be true and correct. The appraiser does not assume responsibility for the accuracy of such items that were furnished by other parties. 8. The appraiser will not disclose the contents of the appraisal report except as 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 satisfactory completion, repairs, or alterations on the assumption that completion of the improvements will be performed in a workmanlike manner. 10. The appraiser must provide his or her prior written consent before the lender/client specified in the appraisal report can distribute the appraisal report (including conclusions about the property value, the appraiser's identity and professional designations, and references to any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the mortgagee or its successors and assigns; khe mortgage insurer; consultants; professional appraisal organizations; any state or federally approved financial institution; or any department, agency, or instrumentality of the United States or any state or the District of Columbia; except that the lender/client may distribute the property description section of the report only to data collection or reporting service(s) without having to obtain the appraiser's prior written consent. The appraiser's written consent and approval must also be obtained before the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media. Freddie Mac Form 439 6-93 Page 1 of 2 Fannie Mae Form 10048 6-93 w i t?; : . DRZAI_-1295 Kingsley File No, H09020195 APPRAISERS CERTIFICATION: The Appraiser certifies and agrees that: f 1. I have researched the subject market area and 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 significant item in a comparable property is superior to , or 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 a comparable property is inferior to, or less favorable than the subject property, I have made a positive adjustment to increase the adjusted sales price of the comparable. 2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the appraisal report. I have not knowingly withheld any significant information from the appraisal report and I believe, to the best of my knowledge, that all statements and information in the appraisal report are true and correct. 3. I stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the contingent and limiting conditions specified in this form. 4. I have no present or prospective interest in the property that is the subject to this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or the estimate of market value in the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property. 5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my compensation for performing this appraisal is contingent on the appraised value of the property, 6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party, the amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my compensation and/or employment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation, a specific valuation, or the need to approve a specific mortgage loan. 7, I performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the effective date of this appraisal, with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasbnable time for exposure in the open market 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 stated in the reconciliation section. 8. I have personally inspected the interior and exterior areas of the subject property and the exterior of all properties listed as comparables in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject improvements, on the subject site, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustments for these adverse conditions in my analysis of the property value to the extent that I had market evidence to support them. I hf~ve also commented about the effect of the adverse conditions on the marketability of the subject property. 9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on significant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal report, I have named such individual(s) and disclosed the specific tasks performed by them in the reconciliation section of this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in the report; therefore, if an unauthorized change is made to the appraisal report, I will take no responsibility for it. ADDITIONAL CERTIFICATION AND LIMITED CONDITIONS ON THE NEXT PAGE SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he or she certifies and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking full responsibility for the appraisal and the appraisal report. ADDRESS OF PROPERTY APPRAISED: 1295 Kingsley Road Camp Hill PA 17011-6115 APPRAISER: ~~ i~ Signature: ' Name: Leo D Gerlach MSA MFLA GAA CCRA Date Signed: 02/19/2009 State Certification #: GA000368L or State License #: State: PA Expiration Date of Certification or License: 06/30/2009 SUPERVISORY APPRAISER (only if required) Signature: Name: Date Signed: State Certification #: or State license #: _ State: Expiration Date of Certification or License: ^ Did ^ Did Not Inspect Property Pa Certified General Real Estate Appraiser Freddie Mac Form 439 6-93 Page 2 of 2 Fannie Mae Form 10048 6-93 DRtAL-1295 Kingsley File No. H0802019B ADDITIONAL CONTINGENT -LIMITED CONDITIONS -CERTIFICATIONS -- This report was prepared for the client named in this report and the fee charged was for the preparation of this report ohly. If the client named in this report gives a copy of this report and/or gives written consent to a third party and the third party of this repo~-wants a consultation of this report, with the appraiser, there will be a consultation fee to the third party which must be paid prior to'any consultation with the appraiser. -- The subject property and comparable properties data relied upon in this report is believed to be from reliable sources, however, it was not possible to inspect the comparable properties completely, and it was necessary to rely on information furnished by others;as to said data, condition, therefore, the value conclusions are subject to the correctness and verification of said data. When conflict; g information was provided, source deemed most reliable has been used. -- The appraiser has viewed, as far as possible, by observation, the land and the improvements thereon, however, this is not to be considered a property inspection and it was not possible to personally observe conditions beneath the soil or hidden structural components within the improvements, therefore, no representations or guarantee of condition .are made herein as to these matters and unless specifically considered in this report, the value opinion is subject to any such conditions that could cause a loss in value. Condition of heating, cooling, ventilation, electrical, plumbing and other equipment is considered to be commensurate with the condition of the balance of the improvements unless otherwise stated. The term "inspection", as used in this report is not the same level as that required fora "Professional Home Inspection". -- All furnishings and equipment, except those specifically indicated and typically considered as a part of real estate, have been disregarded by the appraiser. Only the real estate has been considered. -- The appraiser has provided a sketch In this report to show approximate dimensions of the improvements, and the sketch is included only to assist the reader of this report in visualizing the property and understanding the appraiser's determination of the size. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantee, express or implied, regarding this determination. -- I certify that, to the best of my knowledge and belief, the reported analyses, opinions and conclusions were developed, and this report has been prepared, in conformity with the requirements of the Code of Professional Ethics and the Standards of Professional Appraisal Practice of my current memberships. -- I certify that the use of this report is subject to the requirements of my current memberships relating to review by its duly authorized representatives. -- As of the date of this report, I Leon D. Gerlach have completed the requirements of the continuing education program of my current memberships. -- AVERAGE, SIMILAR, STANDARD &/OR TYPICAL as used in this report, is that the property is standard for the style, type, size and value for the subject property and/or the comparable sales properties. -- Every subject property cannot always be compared to "ideal" comparable sales. The appraiser must choose the best sales available from the search of market information, which meet the best underwriting standards possible. The appraiser has made every adjustment of line items on the grids as per the information available from the market data, according to the guidelines established by the professional appraisal association, of which this appraiser is affiliated, the Appraisal Institute. , -- NOTE -The electronic Digital Photos in this report have not been altered in any way as to change the information of the photos. There is sometimes a need to lighten or darken the photo for clarity only. -- NOTE -The Digitalized Signature(s) affixed on this report, and certification, were applied by the original appraisers} or supervisory appraiser and represent their acknowledgemerits of the facts, opinions and conclusions found in the report. Each appraiser(s) applied his or her signature electronically using a password encrypted method.. The appraiser excepts no responsibility or liability for any change(s) made to the appraiser's original report sent by electronic means in any format. -- NOTE -The current Uniform Standards of Professional Appraisal Practice defines the market value conclusion as an opinion of market value and not an estimate of market value. -- NOTE -The subject property is to be in a marketable condition for this report to apply or as other condition maybe stated in this report. iMa lam wea produced an Ob ACI Development RepWFame syelem (800) 2018721 UI a2rot/POOt Leon D. Gerlach, Appraiser SUMMARY APPRAISAL REPORT 4~ MULTI-PURPOSE SUPPLEMENTAL ADDENDUM DRZAL-.1295 Kingsley FOR FEDERALLY RELATED TRANSACTIONS H09020198 BorrowerlClient Leo DRZAL Estate Property Address 1295 Kingsley Road City Camp Hill County Cumberland State PA Zip Code 17011-6115 Lender DRZAL Leo Estate This Multi-Purpose Supplemental Addendum for Federally Related Transactions was designed to provide the appraiser with a con- venient way to comply with the current appraisal standards and requirements of the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of Currency (OCC), The Office of Thrift Supervision (OTS), the Resolution Trust Corporation (RTC) and the Federal Reserve. This Multi-Purpose Supplemental Addendum is for use with any appraisal. Only those statements which have been checked by the appraiser apply to the property being appraised. X -• • ~ ..... . The purpose of the appraisal is to estimate the market value of the subject property as defined herein. The function of the appraisal is to assist the above-named Lender in evaluating the subject property for lending purposes. This is a federally related transaction. Q 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 within the subject market area. The onganal source of the com- inal source if available The ori mation nfi f h th g , . r e source o co parabies is shown in the Data Source section of the market grid along wit the source deemed most rovided information was flictin Wh li bl i d , p g en con a e. dere re is resented first. The sources and data are cons reliable has been used. Data believed to be unreliable was not included in the report nor used as a basis for the value conclusion. The Reproduction Cost is based on MARSHALL & SWIFT COST ESTIMATING supplemented by the appraiser's knowledge of the local market. 0 Physical depreciation is based on the estimated effective age of the subject property. Functional and/or external depreciation, if present, is specifically addressed in the appraisal report or other addenda. In estimating the site value, the appraiser has relied on ti f it b t d on o s e /or a s rac personal knowledge of the local market, This knowledge is based on prior and/or current analysis of site sales an values from sales of improved properties. The sub11'ect property is located in an area of primarily owner-occupied single family residences and the Income Approach is not consi- dered to be meaningful. For this reason, the Income Approach was not used. ^ The Estimated Market Rent and Gross Rent Multiplier utilized in the Income Approach are based on the appraiser's knowledge of the subject market area, The rental knowledge is based on prior and/or current rental rate surveys of residential properties. The Gross Rent Multiplier is based on prior and/or current analysis of prices and market rates for residential properties. ^ For income producing properties, actual rents, vacancies and expenses have been reported and analyzed. They have been used to pro- ject future rents, vacancies and expenses. According to THE LOCAL MULTI LISTING SERVICE the subject property; Q has not been offered for sale in the past: 30 days 1 year X 3 years is currently offered for sale for $ was offered for sale within the past: 30 days ^ 1 year ^ 3 years for $ Offering information was considered in the final reconciliation of value. Offering information was not considered in the final reconciliation of value. ^ Offering information was not available. The reasons for unavailability and the steps taken by the appraiser are explained later in this addendum. X ~ ~ .. ~ . According to TAX ASSESSMENT & LOCAL MULTI LISTING SERVICE the subject property; ^ has not transferred in the past twelve months. has not transferred in the past thirty-six months. ^ has transferred in the past twelve months, ^ has transferred in the past thirty-six months. ^ All prior sales which have occurred in the past twelve months are listed below and reconciled to the appraised value, either in the body of the report or in the addenda. Date Sales Price Document # Seller Bu er Subject property is not located in a FEMA Special Flood Hazard Area. ^ Subject property is located in a FEMA Special Flood Hazard Area. Zone FEMA Ma /Panel# Ma Date Name of Communit C 421016-00028 09/30/1977 Camp Hill Borough The community does not participate in the National Flood Insurance Program. The community does participate in the National Flood Insurance Program. It is covered by a regular program. It is covered by an emergency program. __ Produced uaing ACI aoRwsre, l00.2]~ E727 www.achvab.com - mpaa2 DRZAL-1295 Kingsley SUMMARY APPRAISAL REPORT H0902019B X .. ~ • The subject property is currently not under contract. ^ The contract and/or escrow instructions were not available for review. The unavailability of the contract is explained later in the addenda section. ^ The contract and/or escrow instructions were revlewed.The following summarizes the contract: Contract Date Amendment Date Contract Prlce Seller ^ The contract indicated that personal property was not included in the sale. ^ The contract indicated that personal property was included. It consisted of Estimated contributory value is $ ^ Personal property was not included in the final value estimate. ^ Personal property was included in the final value estimate. The contract indicated no financing concessions or other incentives. The contract indicated the following concessions or incentives: ^ If concessions or incentives exist, the comparables were checked for similar concessions and appropriate adjustments were made, if applicable, so that the final value conclusion is in compliance with the Market Value defined herein, X ~- • 3 to 6 months is considered a reasonable marketing period for the subject property based on THE LOCAL MULTI LISTING SERVICE x err • ~ - ~ • The Appraiser certifies and agrees that: (1) Their analyses, opinions and conclusions were developed, and this report was prepared, in conformity with the Uniform Standards of Professional Appraisal Practice ("USPAP"), except that the Departure Provision of the USPAP does not apply. (2) Their compensation is not contingent upon the reporting of predetermined value or direction in value that favors the cause of the client, the amount of the value estimate, the attainment of a stipulated result, or the occurrence of a subsequent event. (3) This appraisal assignment was not based on the requested minimum valuation, a specific valuation, or the approval of a loan. X err • ~ •• ~ • r • The value estimated is based on the assumption that the property is not negatively affected by the existence of hazardous substances or detrimental environmental conditions unless otherwise stated in this report. The appraiser is not an expert in the identification of hazardous substances or detrimental environmental conditions. The appraiser's routine inspection of and inquiries about the subject property did not develop any information that indicated any apparent significant hazardous substances or detrimental environmental conditions which would affect the property negatively unless otherwise stated in this report. It is possible that tests and inspections made by a qualified hazardous substance and environmental expert would reveal the existence of hazardous substances or detrimental environmental conditions on or around the property that would negatively affect its value. ~ • r r • ~ ~ Effective Date 02/11/2009 ~ Appraiser's Signature ./~.- Appraiser's Name (print) Leon D. Gerlac MSA MFLA GAA Phone # ( ) Date Prepared 02/19/2009 State PA License Certification # GA000368L Tax ID # • ~...~ • ^ The co-signing appraiser has personally inspected the subject property, both inside and out, and has made an exterior inspection of all comparable sales listed in the report. The report was prepared by the appraiser under direct supervision of the co-signing appraiser. The co-signing appraiser accepts responsibility for the contents of the report including the value conclusions and the limiting conditions, and confirms that the certifications apply fully to the co-signing appraiser ^ The co-signing appraiser has not personally inspected the interior of the subject property and: ^ has not Inspected the exterior of the subject property and all comparable sales listed in the report. has inspected the exterior of the subject property and all comparable sales listed in the report. The report was prepared by the appraiser under direct supervision of the co-signing appraiser. The co-signing appraiser accepts responsibility for the contents of the report, including the value conclusions and the limiting conditions, and confirms that the certifications apply fully to the co-signing appraiser with the exception of the certification regarding physical inspections. The above describes a level of inspection performed by co-signing appraiser. ^ The co-signing appraiser's level of inspection, involvement in the appraisal process and certification are covered elsewhere in the addenda section of this appraisal. Co-Signing Appraiser's Signature Effective Date Appraiser's Name (print) Phone # ( ) Date Prepared State License Certification # Tax ID # SUMMARY APPRAISAL REPORT U5PAP COMPLIANCE ADDENDUM File No. H0902019B [3olrower Leo DRZAL Estate Order # Property Address 1295 Kingsley Road - city Camp Hill Cowry Cumberland State PA zip Code 17011-6115 Lender/Client DRZAL Leo Estate Client Reference # DRZAL-1295 Kingsley Road Only those items checked I X 1 Gelow agvly to this report. PURPOSE, FUNCTION AND INTENDED `-USE OF THE APPKAISAL O The purpose of the appraisal is to provide an opinion of market value of the subject property as defined in this report, on behalf of the apptaisal company facilitating the assignment for the referenced client as the intended user of the report. T'he only function of the appraisal is to assist the client mentioned in this report in evaluating the subject property for lending purposes. The use of this appraisal by anyone other than the stated intended user, or for any other use than the stated intended use, is prohibited. 0 The purpose of the appraisal is to provide an opinion of market value of the subject property, as defined in this report, on behalf of the appraisal company facilitating the assignmu,t for the referenced client as the intended user of this report. 'Che only function of the appraisal is to assist the client mentioned in this report in evaluating the subject property Real Estate Owned (RED) purposes. The use oCthis appraisal by anyone other than the stated intended user, or for any otl,cr use than the stated intended use, is prohibited. The purpose of this appraisal is to , on behalf of tl,e appraisal company facilitating the assigntent for the referenced client as the intende user o t 1s report, a on y unction o the appraisal is to assist the client mentioned in this report in evaluating the subject property for .The use of this appraisal by anyone other than the staled intended user, or for any other use than the state lnten a use 1s pro t tte . TYPE OF APPRAISAL AND APPRAISAL REPORT ,_ _ O This is a COMPLETE Appraisal written in a SUMMARY Report format and the USPAP Departure Rule has not been invoked. This is a Limited Appraisal written in a Report format and the USPAP Departure Rule has been invoked as disclosed in the body or addenda of the report. The client has agreed that a Limited Appraisal is sufficient for its pw~poses. SCOPE (IrX'I'ENT) OF-REPORT , O 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, listings, and/or rentals within the subject market area. The original source of the comparables is shown in the Data Source section of the market grid along with the source of confirmation, if available. The original source is presented first. The suw-ces and data are considered reliable. When conflicting information was provided, the source deemed most reliable has been used. Data believed to be unreliable was not included in the report nor used as a basis ibr the value conclusion. The extent of analysis applied to this assignment may be further imparted within the report, the Appraiser's Certification below and/or any other Statement of Limiting Conditions and Appraiser's Certification such as may be utilized within the Freddie Mac form 439 or Fannie Mae form tU04b (dated 6/93), when applicable. MARI{IJTING TIME AND~EXPOSURE. TIME FOR THE SUBJECT PROPERTY O A reasonable marketing time for the subject property is 3 t0 6 MOn day(s) utilizing market conditions pertinent to the appraisal assignment. n A reasonable exposure time for the subject property is day(s). APPRAISER'S CERTIFICATION l certify that, to tJte best of my knowledge and belief: - The statements of fact contained in this report are true and correct. - The reported analyses, opinions, and conclustions are limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and w,biased professional analyses, opinions, and conclusions. - I have no present or prospective interest in the property that is the subject of this report, and no personal interest with respect to the parties involved, unless otherwise stated within the report. - I have no bias with respect to the property that is the subject of this report or to the parties involved with this assignment. - My engagement in this assignment was not contingent upon developing or reporting predetermined results. - My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occwrence of a subsequent event directly related to the intended use of this appraisal. - My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice. - I have XQ or have not ^ made a personal inspection of the property that is the subject of this report. (if more than one pelsou signs this report, this certification must clearly specify which individuals did and wl,icit individuals did not make a personal inspection of the appraisal property.) - No one provided significant real property appraisal assistance to the person signing this certification. (If there are exceptions, the name of each individual providing significant professional assistance must be stated.) NOTE: In the case ojany conflict with a client provided certification (i. e., Fannie Mae or Freddie Mac), this revised certijication shall take recedence. - Supervisory Appraiser's Certi[cation: If a supervisory appraiser signed the appraisal report, he or she certifies and agrees that: 1 directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 2-7 and 9 on the second page of Freddie Mac Porm 439 6-93/tannic Mae Form 100413 6-93, or the third page of Porm 2055, and am taking full responsibility for the appraisal report. APPRAISER'S AND SUI'ERVISORY'APPRAISER'S SIGNATURE API'RAI5EI2: p~,~~~ Signature: ~ ^~~-~s~' Name: Leon D. Gerlach MSA MFLA GAA, CCRA Date the Reiwrt was Signed:02/19/2009 State Certification #: GA000368L or State License #: State: Expiration Date oCCertification or License: 06/30/2009 SUI'ERVISOI2Y AI'I'12AISEli (only iC required): Signature: Nan,e: Date the Report was Signed: State Certification #: _ or State License #: Slate: Expiration Dale of Certification or License Did inspect subject property Interior & Exterior Exterior only Inspected comparables Interior & Exterior Exterior only USPAP Compliance Addemlum -Rev. 5101 t Of t uspap0l Produced using ACI sollwere, 000.2N.8777 www.eciweb.wm DRZAL-1295 Kingsley Flle No. H0902019B ********* QUALIFICATIONS ********* APPRAISER RESUME NAME OF APPRAISER: Leon D. Gerlach FIRM NAME: Leon D. Gerlach, Appraiser BUSINESS ADDRESS 305 West Shady Lane, Enola, PA 17025-2240 PHONE 717-732-5052 FAX 717-732-6646 email gerlachl@verizon.net PROFESSIONAL MEMBERSHIPS, DESIGNATIONS AND CERTIFICATIONS Pennsylvania CERTIFIED GENERAL REAL ESTATE APPRAISER Certification Number GA-000368-L (PaCGREA-#368) 10/10/101991 National Association of Real Estate Appraisers in 01/1989 CCRA #27317 Certified Commercial Real Estate Appraiser National Association of REALTORS Real Estate Appraisal Section in 07/1994 GAA General Accredited Appraiser National Association of Independent Fee Appraisers in 1998 Master Appraisers in 05/1999 MSA Master Senior Appraiser MFLA Master Farm & Land Appraiser Greater Harrisburg Association of REALTORS in 1983 Associate Broker AB-048052-L in 12/1955 Greater Harrisburg Association of REALTORS -Appraisal Council 1991 to Present Pennsylvania Association of REALTORS in 1983 EDUCATION PROFESSIONAL & TECHNICAL (APPRAISAL) COURSES SATISFACTORILY COMPLETED COURSE TITLE (tested) DATE (Hours) SPONSORING ORGANIZATION Real Estate LawO 06/1986 (30) Harrisburg Area Community College Real Estate Appraising 12/1986 (30) Harrisburg Area Community College Real Estate Management 06/1987 (30) Harrisburg Area Community College Appraisal 09/1988 (30) The Institute of Real Estate Studies Standards of Professional Practice 02/1991 (15) York County Real Estate Training Center Appraisal of Income Producing Property 03/1991 (30) The Institute of Real Estate Studies Appraisal Course #3-Sales Comparison 05/1991 (16) National Association of REALTORS Appraisal Course #1-Basics of Appraisal 05/1991 (16) National Association of REALTORS Appraisal Course #5-Appraisal Standard/Ethics 0811991 (16) National Association of REALTORS Appraisal Course #4-Cost & Income 08/1991 (16) National Association of REALTORS Appraisal Course #2-Real Estate Analysis 09/1991 (16) National Association of REALTORS Uniform Standard of Professional Appraisal Practice (USPAP) 02/1993 (16) Appraisal Institute Appraisal Course #7-Intro to Commercial 04/1992 (16) National Association of REALTORS 1410 Standards of Professional Practice Part A 02/1993 (16) Appraisal Institute 1110 Appraisal Principals 02/1993 (39) Appraisal Institute 1120 Appraisal Procedures 03/1993 (39) Appraisal Institute 11420 Standards of Professional Practice Part B 05/1993 (11) Appraisal Institute 1210 Residential Case Study 05/1993 (39) Appraisal Institute 11500 Advance Residential Form & Narrative 07/1993 (39) Appraisal Institute 1310 Basic Income Capitalization 09/1995 (39) Appraisal Institute 1510 Advance Income Capitalization 10/1995 (39) Appraisal Institute Marshall 8~ Swift Cost Approach Residential 10/1995 (7) York County Association of REALTORS Marshall & Swift Cost Approach Commercial 10/1995 (7) York County Association of REALTORS 1410 Standards of Professional Practice Part A 03/1997 (16) Appraisal Institute 1420 Standards of Professional Practice Part B 03/1997 (11) Appraisal Institute Farm & Land 06/1998 (16) Lincoln Graduate Center Commercial Investment Appraisal 06/2004 (15) Lincoln Graduate Center Financial Analysis of Income Property 06/2004 (15) Lincoln Graduate Center National USPAP Course 09/2004 (15) Lincoln Graduate Center Direct Capitalization of Income Property 12/2004 (15) Lincoln Graduate Center Yield Capitalization of Income Property 12/2004 (15) Lincoln Graduate Center National USPAP Course 08/2006 (15) Lincoln Graduate Center Condemnation Appraising: Basic Principles & Applications 12/2006 (15) Appraisal Institute Condemnation Appraising: Advanced Topics & Application 03/2007 (15) Appraisal Institute ********* QUALIFICATIONS ********* EDUCATION Continue APPRAISAL CONFERENCES, SEMINARS, CLINICS AND CONTINUE EDUCATION ATTENDED DRZAL-1295 Kingsle File No. H09020196 <+ ACTIVITY OR COURSE TITLE DATES (Hours) SPONSORING ORGANIZATION Exam Prep-Residential Appraisal Certification 05/1991 (15) Appraisal Institute Exam Prep-General Appraisal Certification 06/1991 (15) Appraisal Institute USPAP Update 01/1995 (4) Greater Harrisburg REALTORS Institute Environmental Risk Management 04/1995 (16) Greater Harrisburg REALTORS Institute Commercial Investment Real Estate Analysis 12/1996 (7) Harrisburg REALTORS Institute The FHA Appraisal 12/1996 (3) School of Real Estate Appraising, Inc Appraiser's Legal Liabilities 04/1997 (7) Appraisal Institute Alternative Residential Reporting Forms 05/1997 (7) Appraisal Institute Valuation of Leased Fee Interests 09/1997 (7) Appraisal Institute Valuation of Leasehold Interest 09/1997 (7) Appraisal Institute Rates, Ratios & Reasonableness 10/1997 (7) Appraisal Institute Automated Valuation Models 10/1997 (7) Appraisal Institute Basic Residential HUD Appraisal Requirements 10/1999 (7) National Association of Independent Fee Appraiser A Closer Look at Home Construction 12/1999 (7) Harrisburg REALTORS Institute Going, Gone -Understanding Depreciation 09/2000 (7) Harrisburg REALTORS Institute USPAP Update 10/2000 (7) Harrisburg REALTORS Institute Calculating Gross Living Using ANSI Standards 12/2000 (7) National Association of Independent Fee Appraiser Appraisal Forms & Reports 02/2001 (7) Harrisburg REALTORS Institute $ and Sense: Introduction to Income Approach 02/2001 (7) Harrisburg REALTORS Institute Appr. Beware Environmental & Stigma Issues 04/2001 (7) Harrisburg REALTORS Institute Litigation Valuation (Expert Witness) 08/2001 (15) National Association of Independent Fee Appraiser Uniform Appraisal Standards for Federal Land Acquisitions 07/2002 (16) Appraisal Institute Appraising Real Estate Fraud 0912002 (7) Harrisburg REALTORS Institute USPAP Update 09/2002 (7) Harrisburg REALTORS Institute Appr. Beware Environmental & Stigma Issues 03/2003 (7) Harrisburg REALTORS Institute Limiting Appraiser Liability Exposure 04/2003 (7) Harrisburg REALTORS Institute Distressed Property Appraisal 04/2003 (7) Harrisburg REALTORS Institute USPAP Update 05/2003 (7) Harrisburg REALTORS Institute Investment Property: Income & Expense Analysis 10/2003 (7) Harrisburg REALTORS Institute What does Fannie Mae Say 11/2004 (7) Harrisburg REALTORS Institute Photi=Fish and PA Regulations 01/2005 (7) Harrisburg REALTORS Institute The New FANNIE MAE Appraisal Report 08/2005 (7} School of Real Estate Appraising, Inc. Understanding a Commercial Appraisal 02/2006 (7) Harrisburg REALTORS Institute Understanding s Commercial Document 04/2006 (7) Harrisburg REALTORS Institute National USPAP 10/2006 (7) Harrisburg REALTORS Institute Federal Banking & PA Regulations 11/2006 (7) Harrisburg REALTORS Institute Flips, Frauds & Foreclosures 12/2007 (7) Harrisburg REALTORS Institute Scope of Work 04/2007 (7) Harrisburg REALTORS Institute EMPLOYMENT HISTORY NAME ADDRESS OF EMPLOYER Miscellaneous Real Estate Harrisburg Area Miscellaneous Real Estate Harrisburg Area RE/MAX Realty Associates, Inc Camp Hill, PA Leon D. Gerlach, Appraiser Leon D. Gerlach, Appraiser Enola, PA TITLE DUTIES DATES Sales Sales 12/1983 to 12/1985 Sales/Appraiser Sales & Appraiser 12/1985 to 02/1990 Sales/Appraiser Sales & Appraiser 02/1990 to 02/1995 Appraiser/Owner Appraiser 12/1985 to 02/1995 20 to 45 Appraiser/Owner Appraiser 02/1995 to Present 100 DEVOTED TO APPRAISING 5 10 to 30 20 to 45 URZAL-1295 Kingsley Fiie No. H09g2019B ********* QUALIFICATIONS ********* EXPERIENCE SUMMARY EXPERIENCE Presently: PA Associated Broker / PA Certified General Real Estate Appraiser Real Estate Sales Agent (1983-1985) Real Estate Associate Broker 1985 to Present and Appraisals 1985 -Present Over 15 years in the building industry -Owner of construction company for 10 years and worked for other construction companies in management, as an estimator, and I personally performed all types of work on residential and commercial properties. Appraisals for the purpose of first and second mortgage loans, buyers, sellers, property settlements, litigation, estates, employee transfers, eminent domain, tax appeals, divorce, partners buy out, easements, partial interest, value for owner, Appraisals for different types of properties like: vacant land, special purpose, apartments, multi-family, single family, offices, school, part of an island, mixed uses, laundry mat, car wash, sub-divisions, health clubs, day cares, churches, restaurants, bar/taverns, warehouses, retails, retail sales and services, motels, farms, gas stations, mini marts, car lots, strip mall, medical office or use and others. Being as commercial, industrial, agriculture as well as single family residential, have been made in the following counties on a regular basics: Dauphin, Cumberland, Perry, York, Lebanon, Adams and Lancaster. Also do some work in Franklin, Juniata and Snyder county on time permitting basics. Did eminent domain in these additional counties: Franklin, Fulton, Mifflin, Snyder, Berks, Lehigh, Northampton and Monroe. Other Counties only on special request. Review of various appraisals. PARTIAL APPROVED AND COMPLETED ASSIGNMENT LIST Internal Revenue Service U.S. Department of HUD /Property Disposition Branch Resolution Trust Corporation Commonwealth of Pennsylvania Department of Transportation Small Business Administration NAMI Pennsylvania Harrisburg City Annville Township Mt Holly Springs Borough Wheatfield Township Serratelli, Schiffman, Brown & Calhoon Attorney Cunningham & Chernicoff PC Attorney Morgan Hallgren, Crosswell & Kane Attorney Siegrist, Koller, Brightbill, Long, & Feeman Dissinger &Dissinger Attorneys MORGAN, James G. Jr., Esquire BRENNEMAN, Keith O.- Attorney Killian & Gephart Barley, Snyder, Senft & Cohen, LLC Linton, Distasio, Adams & Palange, P.C. Messiah College Fulton Precision Inc. Herbert, Rowland & Grubic, Inc. Engineers Alpine Resorts, Inc. Palm Development, Inc. Pennsylvania Housing and Finance Agency United Way of the Capital Region Central Pennsylvania Conservancy Township of Derry Susquehanna Township Dauphin County Commissioners Knupp & Kodak Attorney James G. Morgan Esquire Mette, Evans & Woodside Attorney Saidis, Shuff, Flower & Lindsay Purcell, Krug & Haller Hanson & Ruben Hanft & Vohs GRUBB, William Lewis -Attorney Kay Dailey -Attorney Wolfington Body Company Fulton Industrial Development Association Friendship Fire Company Marder and Associates, Inc. DRZAL-1295 Kingsley ~ yt~ ********* QUALIFICATIONS ********* PARTIAL APPROVED AND COMPLETED ASSIGNMENT LIST Continue Legacy Bank Community Bank Commerce Bank Farmer Trust Bank Mid Penn Bank Blue Ball National Bank PNC Bank First National Bank of Marysville Fulton Bank Vartan National Bank National City Bank Washington Mutual Bank Pennsylvania National Bank Juniata Valley Bank Portage National Bank FIRST National Bank of Newport Union Bank and Trust Company M & T Bank First Union Bank Sovereigh Bank Pennsylvania State Bank Allfirst Bank First Union Bank Citizens Bank Gratz Bank Eastern Savings Bank F & M Trust Company Prudential Bank Drovers Bank Halifax National Bank Orristown Bank Patriot Bank South County Bank Susquehanna Valley Federal Credit Union Members 1st Federal Credit Union Entrust Federal Credit Union Equity One, Inc. Select Business Services Agents Mortgage American Express Chase Manhattan Mortgage Corp. National City Mortgage Statewide Mortgage Associates, Inc. Belco Credit Union Utilities Employee FCU CE Federal Credit Union G MAC Windsor Financial Mortgage Corporation Allstate Appraisal Review Service Wells Fargo Financial Data Search Capital Mortgage Finance Corp. For other attorney, cities, borough, townships, churches, companies, schools, clubs, government agencies and lenders not listed also for many property owner for different reasons and needs.(062007) Leon D. Gerlach, Appraiser Commercial, Industrial & Residential DRZAL-1293 Kingsley File No. H09020186 APPRAISAL OF . .. ~ -~ --;; ti _ ~:~' ~, ~" / , ! k :y r ,,:. s+ " ' .~ ~ .~:.. k' ~~rv~ ,~"~ ~`' z LOCATED AT: 1293 Kingsley Road Camp Hill, PA 17011-6115 FOR: DRZAL Leo Estate 1293 Kingsley Road Camp Hill, PA 17011-6115 BORROWER: Leo DRZAL Estate AS OF: February 11, 2009 BY: Leon D. Gerlach, MSA, MFLA, GAA, CCRA Pa Certified General Real Estate Appraiser Certification Number GA-000368-L 305 west Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 Leon D. Gerlach, Appraiser Commercial, Industrial 8~ Residential DRZAL-1293 Kingsley File Na. HUyU2U1 02/18/2009 Joe DRZAL Leo Estate 1293 Kingsley Road Camp Hill, PA 17011-6115 File Number: H0902018B Dear Joe In accordance with your request, I have appraised the real property at: 1293 Kingsley Road Camp Hill, PA 17011-6115 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 11, 2009 is: $134, 000 One Hundred Thirty-Four Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, limiting conditions and appropriate certifications. Respectfully Submitted, g eon D. Gerlach, MSA, MFLA, GAA, CCRA Pa Certified General Real Estate Appraiser Certification Number GA-000368-L 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 email: gerlachl a~verizon.net .' 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 SUMMARY APPRAISAL REPORT DRZAL-1293 Kingsley openly Description UNIFORM RESIDENTIAL APPRAISAL REPORT File No. H0902018B Property Address 1293 Kingsley Road City Camp Hill state PA Zip Code 17011-6115 Le al Descri lion DEED REF: 14W-347 NOT ATT PER CLIENT Lower Allen Townshi Count Cumberland Assessor's Parcel No. 13-23-0545-296 Tax Year 2008 / R.E. Taxes $ 1 792.00 S eciai Assessments $ N KNOW N Borrower Leo DRZAL Estate Curcent Owner SAME Occu ant: Owner X Tenant Vacant Pro ert ri hts a raised X Fee Sim le Leasehold Pro'ect T e PUD Condominium HUD/VA onl HOA$ J KNOW N /Mo. Nei hborhood or Pro'ect Name Lower Allen Townshi Ma Reference ADC-H-20G3 Census Tract 3240-041-109 Sale Price $ OPI NI ON VAL Date of Sale N/A Description and $ amount of loan charges/concessions to be paid by seller N/A LenderlClient DRZAL Leo Estate Address 1293 Kin sle Road, Cam Hill, PA 17011-6115 A raiser Leon D. Gerlach MSA MFLA GAA CCRA Address 305 West Shad Lane Enola PA 17025-2240 Location Urban X Suburban Rural Built up ^ Over 75°~ X^ 25.75% ^ Under 25°k Growth rate ^ Rapid X Stable ^ ^ Slow Predominant occupancy X^ Owner 91 Single family housing PR~ICfE AGE 45 Low 6 Present land use•% One family 46% 2.4 tamily 6% Land use change X^ Not likely ^ Likely ~ ^ In process ~~ Property values ^ Inaeasing X^ Stable ^ Declining ^ Tenant 9 380 Hi h 80 Multi-family 2% To: Demand/supply ^ Shortage X^ In balance ^ Oversupply X^ Vacant (0-5°k) ,Predominant ~:, ''f~` Commercial 13% Marketin time Under 3 mos. X 3-6 mos. Over 6 mos. vanM ~~ sx 190 45 I NDUST 1 Note: Race and the racial composition of the neighborhood are not appraisal factors. Neighborhood boundaries and characteristics: See Attached Addendum. Factors that affect the marketability of the properties in the neighborhood (proximity to employment and amenities, employment stability, appeal to market, etc.): This Lower Allen Townshi nei hborhood is com rised rimaril of ro ernes reflectin similar ualit maintenance desi nand a eal and marketabilit to the sub•ect ro ert . Availabilit for this nei hborhood of most ublic services combined with avers e access to em to ment sho in and schools fives it a similar a eal to the market as other nearb nei hborhoods. No unfavorable factor was observed which would adversel affect marketabilit . 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 the neighborhood, description of the prevalence of sales and financing concessions, etc.): See Attached Addendum. Project Information for PUDs (If applicable) - - Is the developerlbuilder in control of the Home Owners' Association (HOA)? YES NO Approximate total number of units in the subject project N/A Approximate total number of units for sale in the subject project Describe common elements and recreational facilities: Dimensions SITE SIZE -TAX ASSMT RECORD Topography LEVEL Site area 0.20 Acres M/L Corner Lot Yes X No Specific zoning classification and description R1 Sin le Famil Established Residential 2003 Zoning compliance X^ Legal` ^ Legal nonconforming (Grandfathered use) Illegal No zoning Hi hest 8 best use as im roved: X Present use Other use ex lain Size TYPICAL FOR AREA Shape APPROX RETANGULA Drainage APPEARS ADEQUATE View TYPICAL/NEIL Utilities Public Other Electricity X^ Gas XC7 Water X^ Sanitary sewer ^ Storm sewer X Off-site Improvements Type Public Private Street ASPHALT X^ ^ Curb/gutter CONCRETE X^ ^ Sidewalk CONCRETE X^ ^ Street lights MERCURY VAPOR X^ ^ Alle NONE Landscaping TYPICAL FOR NEIGHBOR Driveway Surface CONCRETE Apparent easements NOTED TYPICAL UTILITY FEMA Special Flood Hazard Area Yes X No FEMA Zone C Map Date 09/30/1977 FEMA Ma No. ~t21016-00028 Comments (apparent adverse easements, encroachments, special assessments, slide areas, illegal or legal nonconforming zoning, use, etc.): See Attached Addendum. GENERAL DESCRIPTION No. of Units 1 No. of Stories 1 Type(Det./Att.) DETACHE Design (Style) 1-STORY ExistinglProposed EXISTING Age (Yrs.) 58 Effective A e Yrs. 16 EXTERIOR DESCRIPTION Foundation CONCRETE E Exterior Walls ALUM SIDING Rooi Surface SHINGLE Gutters & Dwnspts. ALUM-ALUM Window Type VINYL INS GL Storm/Screens INGL/YES Manufactured House NO FOUNDATION Slab NO GawlSpace NO Basement YES Sump Pump FLOOR DRAIN Dampness NONE NOTED Settlement NONE NOTED Infestation NONE NOTED BASEMENT Area Sq.Ft. 1039 °k Finished 80 Ceiling TILE Walls PANELING Floor VINYL Outside Entry NO INSULATION Rooi ^ Ceiling R-19 +/- XO Walls R-11 +/- X^ Floor ^ None ^ Unknown ^ STANDARD AGE ROOMS Fo er Livin Dinin Kitchen Den Famil Rm. Rec. Rm. Bedrooms # Baths Laund Other Area S .Ft. Basement 1 1 1 1 1039 Level 1 1 1 1 1 3 1 1 039 Level 2 0 0 Finished area above rade contains: 7 Rooms 3 Bedroom s ; 1 : 0 Baths ; 1 039 S uare Feet of Gross Livin Area INTERIOR Materials/Condition Floors CAR-VIN-WD/AG HEATING Type HAIR KITCHEN EQUIP. Refrigerator © ATTIC None ^ AMENITIES Fireplace(s)# ^ CAR STORAGE: None ^ Walls PANT-PAP/AVG Fuel GAS RangelOven 0 Stairs [^ Patio BRICK 0 Garage 2 # of cars TrimlFinish WD/PAINT/AVG ConditionGOOO Disposal X^ Drop Stair ^ Deck ^ Attached 2 Bath Floor VINYL/AVG Bath Wainscot C.TILE/AVG Doors WD-PAINT/AVG COOLING Central CEN A/C Other NONE ConditionGOOD Dishwasher ND Fan/Hood X^ Microwave © Washer/Dr er P Scuttle X^ Floor ^ Heated ^ Finished Porch STOOP XD Fence CHAIN LINK X^ Pool ^ Detached Built-In Carport Drivewe 6 additional features (special energy efficient items, etc.): Standard stoop, brick patio, and typical site improvements for this neighborhood. ;ondilion of the improvements, depreciation (physical, functional, and external), repairs needed, quality of construction remodelingladditions, etc.: See Attached addendum. adverse environmental conditions (such as, but not limited to, hazardous wastes, toxic substances, etc.) present in the improvements, on the site, or in the mmediate vicinity of the subject property: See Attached Addendum. e Mac Farm 70 6-93 PAGE 1 OF 2 Fannie Mae Form 1004 6-93 Pr°CUCeJ using ACI sa°ware, e00.234.e127 www.eciws°.can SUMMARY APPRAISAL REPORT DRZAL-1293 Kingsley luation Section UNIFORM RESIDENTIAL APPRAISAL REPORT File No. H09020188_ ESTIMATED SITE VALUE, R~PLAG~jvJ~NT C,Q$T,US,~G = $ ESTIMATED REPRODUCTION COST•NEW OF IMPROVEMENTS: Dwelling 1,039 Sq. Ft. @ $ _ $ 0 Bsmt. 1039 Sq. Ft. @ $ - 0 Comments on Cost Apptoach (such as, source of cost estimate, site value, square toot calculation and for HUD, vA and FmHA, the estimated remaining economic life of the property); SEE SKETCH ADDENDUM Patio,Porch,Fence = Marshall & Swift Cost Service combined with the a raisers GaragelCarport 656 Sq. Ft. @ $ = 0 ex erience have been used to arrive at re lacement cost Total Estimated Cost New , , , , , , , , , , , , , ,, , _ $ 0 figures. Land value is an estimate based on the limited Less 60 Physical Functional External Est. Remaining Econ. Life: 44 number of lot sales in the area. I Depreciation I = $ 0 Depreciated Value of Improvements .. . .... . . . . . . . . . ... _ $ 0 "As-is"Value of Site Improvements,,,,,,,,,,,,,,,,,,, _$ INDICATED VALUE BY COST APPROACH • • • • • • • • • • • _ $ 0 ITEM SUBJECT COMPARABLE NO. 1 COMPARABLE N0. 2 COMPARAB E N0. 3 1293 Kingsley Road Address Lower Allen Townshi 1297 Kingsley Road Lower Allen Townshi 1178 Kingsley Road Lower Allen Townshi 1174 Kingsley Road Lower Allen Townshi Proximit to Sub'ect I` ~`~`" '"~'' ,+ 0.01 MILE WEST 0.2 MILE EAST 0.2 MILE EAST Sales Price $ OPINION VAL a'=~, ~'' ~ ~ '" ~-'~ $ 132 000 "`i. ~+Y a. s~ x;' $ 136,000 ~ ~°~ •;t~ ~" $ 127 000 PricelGross Liv, Area $ 0.00 t~ $ 127.78 ~ '-~ ..~:?;: <: $ 131.66 ~ :' _ • - r ; $ 122.94 R1 :~. _ { ~:'~: Data and/or Verification Sources MLS/STEB TAX ASSMT RECORDS MLS/STEB TAX ASSMT RECORDS MLS/STEB TAX ASSMT RECORDS VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION * •)SAd'uslm~nt DESCRIPTION + - SAd'uslmenl DESCRIPTION +(•)SAeustment Sales or Financing Concessions NIA r !}~ P'~ r ~ r r`~-~*m,~ ..x,~ ~ ~ ~~' ~.r ° ~ r', - = CONVENTIONAL ; 0 NONE KNOWN 0 FHA 0 SELLER HELP -2 000 FHA 0 ~ -2,000 SELLER HELP Date of Sale/Time ~N iA' ~ '• '' '' ~' "' , ~ 01 /2009 ~ 0 01 /2008 0 05/2008 0 Location Suburban SIMILAR 0 SIMILAR 0 SIMILAR 0 LeaseholdlFee ' FEE SIMPLE FEE SIMPLE ~ 0 FEE SIMPLE ~ 0 FEE SIMPLE 0 Site 0.20 Acres M/L 0.25A/SIMILAR 0 0.24A/SIMILAR 0 0.19A/SIMILAR 0 view TYPICAL/NEIG TYPICAL/NEIG 0 TYPICAL/NEIG 0 TYPICAL/NEIG 0 Desi nandA eat 1-STY/DETACH 1-STY/DETACH ~ 0 1-STY/DETACH ~ 0 1-STY/DETACH ~ 0 Qua6 ofConsbUCtion AVERAGE/SIDIN SIMILAR/SIDIN ~ 0 SIMILAR/SIDIN 0 SIMILAR/SIDIN 0 A e 58A/16E 57/10 -7,200 59/10 -7 200 59/12 -4 800 Condition BELOW AVERA AVERAGE/SUP ~ 0 AVERAGE/SUP ~ 0 AVERAGEISUP ~, 0 Above Grade Total ' Bdrms ' ealhs Total ' edrms ' Belhs i 0 Total ' Bdrms ' 9aths 0 Total ; edrms ; Baths 0 Room Count 11 7~ 3~ 1 :0 6~ 3~ 1 :0; 0 6~ 3~ 1 :0; 0 6~ 3~ 1 :0' ~ 0 Gross Livin Area 1 039 S .Ft. 1,033 S .Ft. 0 1 033 S .Ft. 0 1,033 S .Ft. 0 Basement&Finished Rooms Below Grade FULL FAM RM-DEN-F FULL 0 FAMILY ROOM +1 100 FULL 0 FAMILY ROOM +1 100 FULL 0 NONE KNOWN +2,200 Functional Utilit AVERAGE AVERAGE/SIMI ~ 0 AVERAGE/SIMI 0 AVERAGE/SIMI ~ 0 Heatin /Coolin GAS HAIR C/Air OIL H.AR/NON +1,700 GAS H.AR/NON +1 700 GAS H.AR/CEN ~ 0 Ener Efficient Items STANDARD/AG STANDARD/AG 0 STANDARD/AG 0 STANDARD/AG 0 Gera elCar ort 2 Att. Gara e NONE KNOWN +2,400 1-CARPORT +1 700 NONE KNOWN +2,400 Porch, Patio, Deck, Fire laces ,etc, Porch,Patio NONE KNOWN STOOP-PATIO 0 NONE KNOWN 0 STOOP-PATIO 0 NONE KNOWN 0 STOOP-DECK ~ 0 NONE KNOWN 0 Fence, Pool, etc. Fence NONE KNOWN +600 NONE KNOWN +600 NONE KNOWN ~ +600 0 0 0 Net Ad'. total 'L '; + X - ' $ 1 400 + X - ; $ 4,100 + X ; $ 1 600 Adjusted Sales Price ofComarable ~ ~ ~ , °~",` ~,~.' ~*~"~ >r <": u.. , •Gross 9~~~Qo ~ ~~ Net ,~r1"'/,d'., ;$ 130600 Gro~ss~~~+~0 5%. ' Net ?.3~%;, $ 131,900 Gress 9:,4°!0 Net ..,:1':3% $ 125,400 Comments on Sales Comparison (including the subject property's compatibility to the neighborhood, etc. ): See Attached Addendum. ITEM SUBJECT COMPARABLE N0. 1 COMPARABLE N0. 2 COMPARABLE N0.3 Date, Price and Data Sourcetorpriasales within ear of a else/ WITHIN 3 YR TAX ASSMNT 11/27/2007 $105,000 06/01/1973 $24,000 TAX ASSMNT 08/29/2007 $1 12/01/2006 $70,000 TAX ASSMNT YEAR OF PRIOR SALE -2001 TAX ASSESSMENT Analysis of any current agreement of sale, option, or listing of the subject property and analysis of any prior sales of subject and comparables within one year of the date of appraisal: NO SALE ON THE SUBJECT OR ANY OF THE COMPARABLE SALES WITHIN THE LAST THREE YEARS. INDICATED VALUE BY SALES COMPARISON APPROACH , , , , , , , , , , , , , , , , , , , , , , , , , ,, , , , , ,, , ,,,,,,,,,,,,,,,,,,, $ 134,000 INDICATED VALUE BY INCOME APPROACH If A liable Estimated Market Rent $ N/A IMo. x Gross Rent Multi tier A = $ 0 This appraisal is made X "as is" subject to the repairs, alterations, inspectbns or conditions listed below subject to completan per plans and speafications. Conditions of Appraisal: See Attached Addendum. Final Reconciliation: See Attached Addendum. The purpose of this appraisal is to estimate the market value of the real property that is the subject of this report, based on the above conditions and the certification, contingent and limiting conditions, and market value definition that are stated in the attached Freddie Mac Form 439/Fannie Mae Form 10048 (Revised 06-1993 ). I (WE) ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT, AS OF 02/1 1 /2009 (WHICH IS THE DATE OF INSPECTION AND THECTIVE DATE OF THIS REPORT) TO BE $ 134,000 _ . APPRAISER: SUPERVISORY APPRAISER (ONLY IF REQUIRED): Si nature 6 Signature ^Did ^Did Not Name Le n D. Gerlach MSA MFLA GAA CCRA Name _ Inspect Property Date Report Signed 02/18/2009 Date Re ort Si ned State Certification # GA000368L State PA State Certification # _ State Or State License # State Or State License # State ie Mac Fam 70 6.93 a ertl le enera ea PAGE 2 OF 2 Fannie Mae Farn moo 6-93 ,tate Appraiser Prooucetl uslnq ACl wewan, 90023d,B727 www.adweb.com Leon D. Gerlach, Appraiser SUMMARY APPRAISAL REPORT DRZAL-1293 Kingsley ..I_..-_..~_I ,7_I.. _,=..~ c~_~t~~ UNIFORM RESIDENTIAL APPRAISAL REPORT Fite No- H0902018B ITEM SUBJECT COMPARABLE N0.4 COMPARABLE N0. 5 COMPARABLE N0.6 1293 Kingsley Road Address Lower Allen Townshi 1295 Strafford Road Lower Allen Townshi 1521 Carlisle Road Lower Allen Townshi 1400 Warwick Road Lower Allen Townshi Proximit toSub'ect ,~~ a~~~:w° `~ *'-,J ` ' 0.2 MILE EAST 0.3 MILE SOUTHWEST 0.1 MILE SOUTH Sales Price $ OPINION VAL .' ~~'''~'""'~~` $ 143 000 '~,"''' ~~;.~~~i $ 140 000 ~, ~'` $ 132,500 PricelGross Liv. Area $ 0.00 to $ 152.29 t7] r -ii:,`~~~,:,•~',` $ 124.44 Q] ~`r: ~~,~' °:~ . $ 104.33 CD ' •a"~. ~.`~'~ ..' Data andlor verification Sources MLS/STEB TAX ASSMT RECORDS MLS/STEB TAX ASSMT RECORDS MLS/STEB TAX ASSMT RECORDS VALUEAQIUSTMEMS DESCRIPTION DESCRIPTION + - SAd'uetmanl DESCRIPTION + •)SAdjustment DESCRIPTIO +(• SAd'uslmenl Sales or Financing Concessions A `. x r :; ,~;, ~ '' "~'~ `' - "~~t~ •i" - CONVENTIONAL ; 0 SELLER HELP -5 500 CONVENTIONAL ; 0 NONE KNOWN 0 CONVENTIONAL ; 0 NONE KNOWN ~ 0 Date of SalelTlme 'iV A"~~'°" ~ "i''~ ~~ ~''"~ 11 /2008 0 06/2008 ~ 0 01 /2008 0 Location Suburban SIMILAR 0 SIMILAR 0 SIMILAR 0 LeaseholdlFeeS' FEE SIMPLE FEE SIMPLE ~ 0 FEE SIMPLE ~ 0 FEE SIMPLE ~ 0 Site 0.20 Acres M/L 0.14A/SIMILAR ~ 0 0.18A/SIMILAR 0 0.24a/similar 0 View TYPICAUNEIG TYPICAL/NEIG 0 TYPICAL/NEIG 0 TYPICAL/NEIG 0 Desi n and A eaI 1-STY/DETACH 1-STY/DETACH ~ 0 1-STY/DETACH ~ 0 1-STY/DETACH ~ 0 C.2u otConstrudion AVERAGE/SIDIN SIMILAR/BRICK ~ 0 SIMILAR/BRICK ~ +1 SIMIL/BRK-SIDI ~ 0 A e 58A/16E 56/10 -7 200 59/10 -7 200 57/12 -4 800 Condition BELOW AVERA AVERAGE/SUP ~ 0 AVERAGE/SUP ~ 0 AVERAGE/SUP ~ 0 Above Grade Trial ' Bdrms ' aalha ?olal ; adrma ; Baths 0 Total ' edrma ' ealhs 0 Tdd ' adfRU ' Bathe p Room Count 7~ 3~ 1 :0 5~ 3~ 1:0' 0 5~ 2~ 1 :0; 0 6~ 3~ 1 :0; 0 Gross Livin Area 1 039 S .Ft. 939 S .Ft. ~ +1 100 1 125 S .Ft. ~ 0 1 270 S .Ft. ~ -2 500 Basement & Finished Rooms Below Grade FULL FAM RM-DEN-F FULL 0 FAMILY ROOM +1 100 FULL 0 NONE KNOWN +2 200 FULL 0 NONE KNOWN +2 200 Functional Utilit AVERAGE AVERAGE/SIMI ~ 0 AVERAGE/SIMI ~ 0 AVERAGE/SIMI ~ 0 Heatin ICoolin GAS HAIR C/Air GAS H.ARlCEN 0 OIL H.AR/CENT ~ 0 OIL H.AR/NON +1,700 Ener Eifident Items STANDARD/AG STANDARD/AG 0 STANDARD/AG 0 STANDARb/AG 0 tiara elCar ort 2 Att. tiara a 1-CAR GR/AT +1 200 1-CAR GR/AT +1,200 2-CAR GR/AT 0 Porch, Patio, Deck, Fire laces ,etc. Porch,Patio NONE KNOWN STOOP~PATIO 0 NONE kNOWN 0 STOOP-PATIO 0 NONE kNOWN 0 STOOP-PATIO 0 NONE kNOWN 0 Fence, Pool, etc. Fence NONE KNOWN ~ +600 NONE KNOWN +600 NONE KNOWN ~ +600 0 0 0 Net Ad', total ~ ~`~; ~:, ~'`~~„'~, + X - ; $ 8 700 + X - ; $ 3,199 + X - ; $ 2 800 Adjusted Sales Price of Com arable ' ~ ~3,~ x `~, ~ . ~`~~ Gross ~ 1a1, °/¢~ ~~ ~ ~t 7 '6+1;x',0 '"~ $ 134 300 Gross:; 8M0°lo .;'~ ~ Net*:.~~ 2.3°ro~`'' -~" $ 136,801 Gross ~8? 9%, ~ .` Net~~ =2.1 % ~:'~. $ 129,700 Comments on Sales Comparison (including the subject property's compatibility to the neighborhood, etc. ): SEE ATTACHED ADDENDUM ITEM SUBJECT COMPARABLE N0.4 COMPARABLE N0. 5 COMPARABLE N0. 6 Date, Price and Data Sourcetorpriorsales within earofa sisal WITHIN 3 YR TAX ASSMNT YEAR OF PRIOR SALE -1985 TAX ASSESSMENT YEAR OF PRIOR SALE -2004 TAX ASSESSMENT 01/11/2008 $1 &01/31!2007 $1 06/14/2000 $113,900 TAX ASSMNT Produced using ACI wllwere, 8°°.294.8727 www.edweb.com ennFrunl inn Borrower: Leo DRZAL Estale File No.: H0902018B Property Address• 1293 Kingsley Road Case No.: DRZAL-1293 Kingsley Road City Camp Hill State: PA Zip: 17011-6115 Lender: DRZAL Leo Estate Neighborhood Boundaries The neighborhood boundaries per this appraiser's report include the whole township. Only using a few blocks for a neighborhood boundaries an appraiser can pick the best blocks for the report, but with a township which includes neighborhood amenities. This appraiser's belief is that the neighborhood must include neighborhood amenities like: schools, shopping, place of worship, employment, normally expected public services and so forth. SUBJECT PROPERTY COMMENTS ~ , No legal description or survey was furnished of the subject property, so the appraiser utilized the county tax plat plan to ascertain the physical dimensions and/or site area of the property. Should a survey prove these characteristics inaccurate, it may be necessary for this appraisal to be adjusted. INDICATED MARKET VALUE PER TAX ASSESSMENT /COMMON LEVEL RATIO: Take the tax assessment value _119780_ /the common level ratio of _79.3_ X 100 =estimated market'value of $151,046 NEIGHBORHOOD BOUNDARIES The neighborhood boundaries per this appraiser's report include the whole borough. Only using a few blocks for a neighborhood boundaries an appraiser can pick the best blocks for the report, but with a borough which includes neighborhood amenities. This appraiser's belief is that the neighborhood must include neighborhood amenities like: schools, shopping, place of worship, employment, normally expected public services and so forth. SCOPE OF WORK Viewed the subject property from the interior and exterior to note the characteristics of the property that are relevant to its valuation. Clarification of Intended Use and Intended User: The Intended User of this appraisal report is the Client. The Intended Use is to evaluate the property that is the subject of this appraisal for an opinion of value, subject to the stated Scope of Work, purpose of the appraisal, reporting requirements of this appraisal report form, and Definition of Market Value. No additional Intended Users or Intended Uses are identified by the appraiser. The appraiser's investigation did include research the Central Penn MLS Service, Cumberland County STEB Report, Broker's available information and appraiser's data base for the past 12 months for comparable sales, listing (mostly for general information), rentals if needed and other data on similar properties to the subject property. Search Parameters such as date of sales, leases, location sizes, types of properties and distances from the subject property did start with relatively narrow constraints and if necessary, be expanded until the appraiser has either retrieved data sufficient (in the appraisers's opinion) to form an opinion of market value, or until the appraiser believes that he has reasonable exhausted the available pool of data. The researched comparable data was viewed and if found appropriate, efforts were made to verify the data used in this report is from the Cumberland County Tax Assessment office, Cumberland County STEB Report, Appraiser's Data Base, with a persons directly involved in the transactions such as buyers, sellers, brokers or agents some other sources or the owner. The appraiser did report only the data deemed to be pertinent to the valuation problem. Did investigate and analyze any pertinent easements or restrictions, on the fee simple ownership of the subject property. It is the client's responsibility to supply the appraiser with a deed and/or title report. If a deed and/or title search is not available, the appraiser will rely on a visual viewing and identify any readily apparent easements or restrictions. Did analyze the data found and reach conclusions regarding the market value, as defined in the report, of the subject property as of the date of value using appropriate valuation approach (es) indicated in the report. Did prepare the appraisal in compliance with the Uniform Standards of Professional Appraisal Practice as promulgated by The appraisal Foundation and Code of Professional Ethics and Certification Standards of my memberships and the Certification Appraisal Board of PA. Wili not be responsible for ascertaining the existence of any toxic waste or other contamination present on or off site. The appraiser did, however, report any indications of toxic waste or contaminants that may effect value if they are readily apparent during appraiser's investigations. Appraiser cautions the user of the report that the appraiser is not an expert in such matters and that the appraiser may overlook contamination that might be readily apparent to parties who are experts to such matters. Did prepare a Summary Appraisal Report, as defined in USPAP, which did include photographs of the subject property, description of the subject neighborhood, the site, any improvements on the site, a description of the zoning, a highest and best use analysis, a summary of most important comparables used in the appraiser's valuation, a reconciliation and conclusion, a map illustrating the comparables in relationship to the subject property, and other data deemed by the appraiser to be relevant to the assignment. Pertinent data and analyses not included in the report may be retained in the appraiser's file. Neighborhood Market Conditions The supply and demand for this neighborhood is normal at this time. Also the marketing time is normal at this time. Market and property values appear to be relatively stable at this time with a wide variety of financing available. Buydowns and Addendum Page 1 of 3 nnnfw~tnt tnn Borrower: Leo DRZAL Estate File No.: H0902018B Property Address 1293 Kingsley Road Case No.: DRZAL-1293 Kingsley Road City Camp Hill State: PA Zip: 17011-6115 Lender: DRZAL Leo Estate concessions do not seem to be a major factor in todays market. PRESENT LAND USE PERCENTAGE -This form does not require the reporting of vacancy percentage because it could be interpreted as being discriminative to an area as per FANNIE MAE underwriting class. So the vacancy is not being reported on this report. Per FANNIE MAE Class instructor if FANNIE MAE wants the information they will put it on the form and with vacancy removed this column can not equal 100. Site Comments For this neighborhood the subject property's site; has similar site improvements, landscaping and has had similar maintenance. The site also is similar in size, and enjoys similar topography to the other sites in this neighborhood. -fhe present use of the site is legal as per the appraiser's interpretation of the the local zoning. No apparent adverse easements (except standard utility), encroachments or other adverse conditions exist on the subject's site or in the neighborhood. Condition of Improvements INTERIOR COMMENTS The property's heating, plumbing and electrical systems appear to be functioning, properly to the best of the appraiser's knowledge and expertise. There has not been any operational inspection on any of the subject property's systems by the appraiser or and warranty or guarantee by the appraiser. IMPROVEMENTS COMMENTS The subject property is over 30 years old, but has been modernized as necessary and is marketable in its present condition. The effective age is significantly less than 30 years. DISCLOSURE -Per congress ACT 42USC4851 date October 29, 1992 the (residential lead based paint) the subject property was built prior to 1978 and could possibly contain hazardous lead paint. A negative possibility could effect marketability and value after October 28, 1995, based on cost to cure. At the time the subject property was viewed, there was no evidence of any noticeable negative effect to value or marketability in this local real estate market CONDITION COMMENTS (PHYSICAL, FUNCTIONAL AND EXTERNAL, REPAIRS NEEDEb, MODERNIZATION) THIS APPRAISAL REPORT IS NOT A PROPERTY INSPECTION OR GUARANTEE OF CONDITION. There was no evidence seen or observed of dampness, termites or settlement by the appraiser at the time the subject property was routinely viewed. Basement finished area is similar in quality to that of the main level. This property has had more than typical depreciation due to the lack of regular maintenance which is typical for estates. Floor plan provides average utility, design, and appeal for the neighborhood, and should receive average acceptance in the market place. The subject property has indoor pet(s) like cat(s) and/or dog(s). Per the owner some of the updates and or improvements to the subject property are: furnace and a/c in 2009 Adverse Environmental Conditions The appraiser is not an expert in the identification of hazardous substances or detrimental environmental conditions. Appraiser's routine viewing of and inquiries about the subject property did not develop any information that indicated any apparent significant hazardous substances or detrimental environmental conditions which would affect the property negatively. It is possible that test and inspections made by a qualified hazardous substance and environmental expert would reveal the existence of hazardous material and environmental conditions on or around the property that would negatively affect its value. Comments on Sales Comparison After a thorough search of all available market data the six sales used are considered to be the best indicators of value. All six sales were considered to be weighted similarly in the final reconciliation of value. comparables used are closed sales. SALES OR FINANCING - Sales comparables # 2,3,4 the seller paid some of the buyers cost so an adjustment was made for the cost paid by the seller. AGE -For this report the first number is the actual age of the property as known from information available to the appraiser and the second number is the effective age +/- of the property at the time of the viewing for the subject property and for the comparable properties as of the sales date and estimated from the information available to the appraiser MLS, Tax Assessment etc. AGE & CONDITION -There is a difference in effective age and condition between the subject property and the comparable properties so adjustments were made for the differences in effective ages as from the information available to the appraiser from the MLS, Tax Assessment and etc. and adjustment for condition only if the difference can so warrant an adjustment from information available to the appraiser or the appraiser has inspected both properties. ROOM COUNT -Adjustments on this line are only for bathrooms in the gross living area. The other bathrooms are adjusted in the rooms below grade line. The other room count difference is normally adjusted in the square foot adjustment for this report. The difference in room count for bedrooms like, from two bedrooms to three bedrooms, does not have any noticeable affect on market value because of the number of single parents today in the market place. GROSS LIVING AREA -The adjustments are for the difference in Gross Living Area between the subject and the comparable sales. The amount of adjustment is from the market of the comparable sales used in this report. ROOMS BELOW GRADE -The subject property has family room, den and a full bathroom, sales comparables #1,2,4 have a Addendum Page 2 of 3 L1nnFNDl1M Borrower: Leo DRZAL Estate File No.: H0902018B Property Address: 1293 Kingsley Road Case No.: DRZAL-1293 Kingsley Road City: Camp Hill State: PA Zip: 17011-6115 Lender; DRZAL Leo Estate family room and sales comparables #3,5,6 have no known finished area so adjustments were made for the difference in finished area. HEATING & COOLING -The subject property and sales comparables #3,4,5 have central a/c and sales comparables #1,2,6 have no central a/c so adjustments were made for no central a/c. GARAGE/CARPORT -The subject property and sales comparable #6 have a two car garage, sales comparable #1,3 have no garage, sales comparable #2 has a carport and sales comparables #4,5 have a one car garage so adjustments were , made for the difference in a garage. FENCE, POOL, ETC. - the subject property has a chain link fence for the dog and none of the sales comparables have a fence so adjustments were made for no fence. All other adjustments are self explanatory. If there was no adjustment made it is because the market did not show an adjustment should be made. The amount of the adjustments are from the information from the market. COMPARISON COMMENTS It is noted that comparable No(s). _2,3,5,6_ occurred over six months prior to the appraisal date. These comparable sales were selected after a search of the area and are considered to be the best available at the time of this report. It is better to go a little further back in time sometimes than to go further away from the subject property. In order to find comparable sales, appraiser was required to use less recent sales. Conditions of Appraisal This appraisal report has been prepared with the property in "as is" condition. No repairs noted or known. No personal property is included in this opinion of value. THIS REPORT WAS PREPARED FOR THE ESTATE OF THE PERSON LISTED IN THIS REPORT AS AN OPINION OF MARKET VALUE OF THE REAL ESTATE LISTED IN THIS REPORT AND NOT TO BE USED BY THE ESTATE FOR ANY OTHER PURPOSE AND NOT TO BE USED FOR A LENDING DECISION. Final Reconciliation The Market Approach is considered to be the best indicator for an opinion of value for this type and use of property and this type of report. The comparable sales are felt to provide reasonably good support for a final opinion of rnarket value. The Income Approach was not used due to the lack of similar type properties rentals and this type of property is mostly an owner occupied property. The Cost Approach was not used on this property property because it is more reliable on new or almost new properties. Addendum Page 3 of 3 SUBJECT PROPERTY PHOTO ADDENDUM Borrower: Leo DRZAL Estate File No.: H0902018B Property Address' 1293 Kingsley Road Case No.: DRZAL-1293 Kingsley Road City' Camp Hill State: PA Zip: 17011-6115 Lender: DRZAL Leo Estate ~~~ FRONT VIEW OF SUBJECT PROPERTY Appraised Date: February 11, 2009 Appraised Value: $134,000 REAR VIEW OF SUBJECT PROPERTY STREET SCENE FLOORPLAN Borrower: Leo DRZAL Estate ___Flle NO.. H0902018B Property Address 1293 Kingsley Road ,_ Case No.: DRZAL-1293 Kingsley Road City Camp Hill State: PA _ Zip: 17011-6115" i ~nao~~ na~ei i o.. Kcta+p LGIIV41~ V1~ 37.0' -- Work Bench , Den d 0 Utility N F Bath ~ M Family 18.0' o LanA Basement ~ s.o' 2a.o' 0 iz Garage o Patio N 37.0' Den B Room F Bath B Room a •~ ° ~ , c in w 22.0' 0 v; N Kitchen 8 Room Living 18.0' 0 0 ~ First Floor `° SkelGh by Apex IV "' ~ s.o' Comments: Code AREA CALCULATIONS' SUMMARY Description Size Net Totals OLAS First Floor 1039.00 1039.00 BSMT Basement 1039.00 1039.00 GAR Garage 656.00 656.00 TOTAL LIVABLE (rounded) 1039 LIVING AREA BREAKDOWN Breakdown Subtotals First Floor 25.0 x 37.0 925.00 6.0 x 19.0 114.00 2 Calculations Total (rounded) '1039 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 I OCATION MAP Borrower: Leo DRZAL Estate File No.. 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Data Zoom 12-D ° W) vwvw.delorrne.corn MN (11,2 305 West Shady Lane, Enola, PA 17025-1140 F'none /1 /-/JL-5U5L rax ~ I ~-JOB-oovo COMPARABLE PROPERTY PHOTO ADDENDUM Borrower; Leo DRZAL Estate ____ File No.: H0902018B Property Address;1293 Kingsley Road Case No ~ DRZAL-1293 Kingsley Road -- City: Camp Hill _State: PA Zip: 17011-6115 COMPARABLE SALE #1 1297 Kingsley Road Lower Allen Township Sale Date: 01/2009 Sale Price: $ 132,000 COMPARABLE SALE #2 1178 Kingsley Road Lower Allen Township Sale Date: 01/2008 Sale Price; $ 136,000 COMPARABLE SALE #3 1174 Kingsley Road Lower Allen Township Sale Date: 05/2008 Sale Price: $ 127,000 COMPARABLE PROPERTY PHOTO ADDENDUM Borrower: Leo UKLAL Estate File No.: H0902018B Property Address: 1293 Kingsley Road Case No.. DRZAL-1293 Kingsley Road City: Camp Hill State: PA Zip' 17011-6115 ,,.,a,... ~o~~~ ~ __ ~_._._ COMPARABLE SALE #4 1295 Strafford Road Lower Allen Township Sale Date: 11/2008 Sale Price: $ 143,000 COMPARABLE SALE #5 1521 Carlisle Road Lower Allen Township Sale Date: 0612008 Sale Price: $ 140,000 COMPARABLE SALE #6 1400 Warwick Road Lower Allen Township Sale Date: 01 /2008 Sale Price: $ 132,500 DRZAL-1293 Kingsley File No. H0902018B DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, ttie 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) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions' granted by anyone associated with the sale. "Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the Appraiser's judgment. STATEMENT OF 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: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of it being under responsible ownership. 2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination, 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand. 5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if they are 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 of the subject property or that he or she became aware of during the normal research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden or unapparent conditions of the property or adverse environmental conditions (including the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied, regarding the condition of the property. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment of the property. 7. The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that he or she considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such items that were furnished by other parties. 8. The appraiser will not disclose the contents of the appraisal report except as 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 satisfactory completion, repairs, or alterations on the assumption that completion of the improvements will be performed in a workmanlike manner. 10. The appraiser must provide his or her prior written consent before the lender/client specified in the appraisal report can distribute the appraisal report (including conclusions about the property value, the appraiser's identity and professional designations, and references to any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the mortgagee or its successors and assigns; the mortgage insurer; consultants; professional appraisal organizations; any state or federally approved financial institution; or any department, agency, or instrumentality of the United States or any state or the District of Columbia; except that the lender/client may distribute the property description section of the report only to data collection or reporting service(s) without having to obtain the appraiser's prior written consent. The appraiser's written consent and approval must also be obtained before the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media. Freddie Mac Form 439 6-93 Page 1 of 2 Fannie Mae Form 10046 6-93 DRZAL-1293 Kingsley File No. H0902018B APPRAISERS CERTIFICATION: The Appraiser certifies and agrees that: 1. I have researched the subject market area and 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 significant item in a comparable property is superior to , or 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 a comparable property is inferior to, or less favorable than the subject property, I have made a positive adjustment to increase the adjusted sales price of the comparable. 2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the appraisal report. I have not knowingly withheld any significant information from the appraisal report and I believe, to the best of my knowledge, that all statements and information in the appraisal report are true and correct. 3. I stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the contingent and limiting conditions specified in this form, 4. I have no present or prospective interest in the property that is the subject to this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or the estimate of market value in the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property. 5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my compensation for performing this appraisal is contingent on the appraised value of the property. 6, I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party, the amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my compensation and/or employment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation, a specific valuation, or the need to approve a specific mortgage loan. 7. I performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the effective date of this appraisal, with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable time for exposure in the open market is a condition in the definition of market value and the estimate I developed is consistent with the marketing time noted in the neighborhood section of this report, unless I have otherwise stated in the reconciliation section. 8. I have personally inspected the interior and exterior areas of the subject property and the exterior of all properties listed as comparables in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject improvements, on the subject site, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustments for these adverse conditions in my analysis of the property value to the extent that I had market evidence to support them. I have also commented about the effect of the adverse conditions on the marketability of the subject property. 9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on significant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal report, I have named such individual(s) and disclosed the specific tasks performed by them in the reconciliation section of this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in the report; therefore, if an unauthorized change is made to the appraisal report, I will take no responsibility for it. ADDITIONAL CERTIFICATION AND LIMITED CONDITIONS ON THE NEXT PAGE SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he or she certifies and agrees that; I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking full responsibility for the appraisal and the appraisal report. ADDRESS OF PROPERTY APPRAISED: 1293 Kingsley Road Camp Hill PA 17011-6115 APPRAISER: SUPERVISORY APPRAISER (only if required) Sin g ature: ~,c Name: Leon .Gerlach MSA MFLA GAA CCRA Date Signed: 02/18/2009 State Certification #: GA000368L or State License #: Signature: Name: date Signed: State Certification #: or State License #: State: PA State: Expiration Date of Certification or License: 06/30/2009 Expiration Date of Certification or License: ^ Did ^ Did Not Inspect Property Pa Certified General Real Estate Appraiser rreoaie Mac Form 439 6-93 Page 2 of 2 Fannie Mae Form 10048 6-93 DRZAL-1293 Kingsley File No. H0902018B ADDITIONAL CONTINGENT -LIMITED CONDITIONS -CERTIFICATIONS -- This report was prepared for the client named in this report and the fee charged was for the preparation of this report only. If the client named in this report gives a copy of this report and/or gives written consent to a third party and the third party of this report wants a consultation of this report, with the appraiser, there will be a consultation fee to the third party which must be,paid prior to any consultation with the appraiser. -- The subject property and comparable properties data relied upon in this report is believed to be from reliable sources, however, it was not possible to inspect the comparable properties completely, and it was necessary to rely on information furnished by others as to said data, condition, therefore, the value conclusions are subject to the correctness and verification of said data. When conflicting information was provided, source deemed most reliable has been used. -- The appraiser has viewed, as far as possible, by observation, the land and the improvements thereon, however, this is not to be considered a property inspection and it was not possible to personally observe conditions beneath the soil or hidden structural components within the improvements, therefore, no representations or guarantee of condition are made herein as to these matters and unless specifically considered in this report, the value opinion is subject to any such conditions that could cause a loss in value. Condition of heating, cooling, ventilation, electrical, plumbing and other equipment is considered to be commensurate with the condition of the balance of the improvements unless otherwise stated. The term "inspection", as used in this report is not the same level as that required fora "Professional Home Inspection". -- All furnishings and equipment, except those specifically indicated and typically considered as a part of real estate, have been disregarded by the appraiser. Only the real estate has been considered. -- The appraiser has provided a sketch in this report to show approximate dimensions of the improvements, and the sketch is included only to assist the reader of this report in visualizing the property and understanding the appraiser's determination of the size. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantee, express or implied, regarding this determination. -- I certify that, to the best of my knowledge and belief, the reported analyses, opinions and conclusions were developed, and this report has been prepared, in conformity with the requirements of the Code of Professional Ethics and the Standards of Professional Appraisal Practice of my current memberships. -- I certify that the use of this report is subject to the requirements of my current memberships relating to review by its duly authorized representatives. -- As of the date of this report, I Leon D. Gerlach have completed the requirements of the continuing education program of my current memberships. -- AVERAGE, SIMILAR, STANDARD &/OR TYPICAL as used in this report, is that the property is standard for the style, type, size and value for the subject property and/or the comparable sales properties. -- Every subject property cannot always be compared to "ideal" comparable sales. The appraiser must choose the best sales available from the search of market information, which meet the best underwriting standards possible. The appraiser has made every adjustment of line items on the grids as per the information available from the market data, according to the guidelines established by the professional appraisal association, of which this appraiser is affiliated, the Appraisal Institute. -- NOTE -The electronic Digital Photos in this report have not been altered in any way as to change the information of the photos. There is sometimes a need to lighten or darken the photo for clarity only. -- NOTE -The Digitalized Signature(s) affixed on this report, and certification, were applied by the original appraiser(s) or supervisory appraiser and represent their acknowledgements of the facts, opinions and conclusions found in the report. Each appraiser(s) applied his or her signature electronically using a password encrypted method.. The appraiser excepts no responsibility or liability for any change(s) made to the appraiser's original report sent by electronic means in any format. -- NOTE -The current Uniform Standards of Professional Appraisal Practice defines the market value conclusion as an opinion of market value and not an estimate of market value. -- NOTE -The subject property is to be in a marketable condition for this report to apply or as other condition maybe stated in this report. TMs farm waa produced on the ACI Development RepidForme ayalem (B00) P71~l721 UI f17p117001 Leon D. Gerlach, Appraiser SUMMARY APPRAISAL REPORT MULTI-PURPOSE SUPPLEMENTAL ADDENDUM DRZAL-1293 Kingsley FOR FEDERALLY RELATED TRANSACTIONS H09020186 BorrowerlClient Leo DRZAL Estate Property Address 1293 Kingsley Road City Camp Hill County Cumberland State PA Zip Code 17011-6115 lender DRZAL Leo Estate This Multi-Purpose Supplemental Addendum for Federally Related Transactions was designed to provide the appraiser with a con- venient way to comply with the current appraisal standards and requirements of the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of Currency (OCC), The Office of Thrift Supervision (OTS), the Resolution Trust Corporation (RTC) and the Federal Reserve. This Multi-Purpose Supplemental Addendum is for use with any appraisal. Only those statements which have been checked by the appraiser apply to the property being appraised. X ..• • • a.... , The purpose of the appraisal is to estimate the market value of the subject property as defined herein. The function of the appraisal is to assist the above-named Lender in evaluating the subject property for lending purposes. This is a federally related transaction. 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 within the subiect market area. The original source of the com- Parables is shown in the Data Source section of the market grid along with the source of confirmation, if available. The original source is resented first. The sources and data are considered reliable, When conflicting information was provided, the source deemed most reliable has been used. Data believed to be unreliable was not included in the report nor used as a bads for the value conclusion. 0 The Reproduction Cost is based on MARSHALL & SWIFT COST ESTIMATING supplemented by the appraiser's knowledge of the local market. Physical depreciation is based on the estimated effective age of the subject property. Functional and/or external depreciation, if present, is specifically addressed In the appraisal report or other addenda, In estimating the site value, the appraiser has relied on personal knowledge of the local market. This knowledge is based on prior and/or current analysis of site sales and/or abstraction of site values from sales of improved properties. The subjject property is located in an area of primarily owner-occupied single family residences and the Income Approach is not consi- dered to be meaningful. For this reason, the Income Approach was not used. ^ The Estimated Market Rent and Gross Rent Multiplier utilized in the Income Approach are based on the appraiser's knowledge of the subject market area. The rental knowledge is based on prior and/or current rental rate surveys of residential properties. The Gross Rent Multiplier is based on prior and/or current analysis of prices and market rates for residential properties. ^ For income producing properties, actual rents, vacancies and expenses have been reported and analyzed, They have been used to pro- ject future rents, vacancies and expenses. Acc ording to THE LOCAL MULTI LISTING SERVICE the subject property; X^ has not been offered for sale in the past: 30 days 1 year X 3 years is currently offered for sale for $ was offered for sale within the past: 30 days ^ 1 year ^ 3 years for $ _ Offering information was considered in the final reconciliation of value. ^ Offering information was not considered in the final reconciliation of value. ^ Offering information was not available. The reasons for unavailability and the steps taken by the appraiser are explained later in this addendum. According to TAX ASSESSMENT & LOCAL MULTI LISTING SERVICE the subject property; ^ has not transferred in the past twelve months. X has not transferred in the past thirty-six months, ^ has transferred in the past twelve months, ^ has transferred in the past thirty-six months. Ail prior sales which have occurred in the past twelve months are listed below and reconciled to the appraised value, either in the body of the report or in the addenda. bate Sales Price Document # Seller Bu er X a • • ~ ~ ~ ' ~ ~ ~ ~ O Subject property is not located in a FEMA Special Flood Hazard Area. ^ Subject property is located in a FEMA Special Flood Hazard Area. Zone FEMA Ma /Panel# Ma Date Name of Communit C 421016-00028 09/30/1977 Camp Hill Borough The community does not participate in the National Flood Insurance Program. The community does participate in the National Flood Insurance Program. It is covered by a regular program. It is covered by an emergency program. Producaa wing ACI w8wate, 800.271.8727 anvw.auwsb.com mpaat DRZAL-1293 Kingsley SUMMARY APPRAISAL REPORT H0902018B X -• ~ The subject property is currently not under contract. ^ The contract and/or esaow instructions were not available for review. The unavailability of the contract is explained later in the addenda section. ^ The contract and/or escrow instructions were reviewed.The following summarizes the contract: Contract Date Amendment Date Contract Price Seller ^ The contract indicated that personal property was not included in the sale. ^ The contract indicated that personal property was included. it consisted of Estimated contributory value is $ ^ Personal property was not included in the final value estimate. ^ Personal property was included in the final value estimate. ^ The contract indicated no financing concessions or other incentives. The contract indicated the following concessions or incentives: ^ If concessions or incentives exist, the comparables were checked for similar concessions and appropriate adjustments were made, if applicable, so that the final value conclusion is in compliance with the Market Value defined herein. X ~- ~ 3 to 6 months is considered a reasonable marketing period for the subject property based on THE LOCAL MULTI LISTING SERVICE X ~~~ ~ ~ ~ • The Appraiser certifies and agrees that: (1) Their analyses, opinions and conclusions were developed, and this report was prepared, in conformity with the Uniform Standards of Professional Appraisal Practice ("USPAP"), except that the Departure Provision of the USPAP does not apply. (2) Their compensation is not contingent upon the reporting of predetermined value or direction in value that favors the cause of the client, the amount of the value estimate, the attainment of a stipulated result, or the occurrence of a subsequent event. (3) This appraisal assignment was not based on the requested minimum valuation, a specific valuation, or the approval of a loan. X ~~~ ~ ~ ~ ~ ~ ~ ~ The value estimated is based on the assumption that the property is not negatively affected by the existence of hazardous substances or detrimental environmental conditions unless otherwise stated in this report. The appraiser is not an expert in the identification of hazardous substances or detrimental environmental conditions. The appraiser's routine inspection of and inquiries about the subject property did not develop any information that indicated any apparent significant hazardous substances or detrimental environmental conditions which would affect the property negatively unless otherwise stated in this report, It is possible that tests and inspections made by a qualified hazardous substance and environmental expert would reveal the existence of hazardous substances or detrimental envir©nmental conditions on or around the property that would negatively affect its value. ~~~ • ~ • ~ Effective Date 02/11/2009 A raiser's Si nature ~- l/ i~~u'~"'~` PP 9 Appraiser's Name (print) eon D. Gerlach MSA MFLA GAA Phone # ( ) Date Prepared 02/18/2009 State PA License X Certification # GA000368L Tax ID # ~ ~...~ ~ • ^ The co-signing appraiser has personally inspected the subject property, both inside and out, and has made an exterior inspection of all comparable sales listed in the report, The report was prepared by the appraiser under direct supervision of the co-signing appraiser. The co-signing appraiser accepts responsibility for the contents of the report including the value conclusions and the limiting conditions, and confirms that the certifications apply fully to the co-signing appraiser The co-signing appraiser has not personally inspected the interior of the subject property and: has not inspected the exterior of the subject property and all comparable sales listed in the report. has inspected the exterior of the subject property and all comparable sales listed in the report. The report was prepared by the appraiser under direct supervision of the co-signing appraiser. The co-signing appraiser accepts responsibility for the contents of the report, including the value conclusions and the limiting conditions, and confirms that the certifications apply fully to the co-signing appraiser with the exception of the certification regarding physical inspections. The above describes a level of inspection performed by co-signing appraiser. ^ The co-signing appraiser's level of inspection, involvement in the appraisal process and certification are covered elsewhere in the addenda section of this appraisal. Co-Signing Appraiser's Signature Effective Date Appraiser's Name (print) Phone # ( ) Date Prepared State License Certification # Tax ID # Protluead unMq ACI nollwere, 800.271.!727 www.eciwao.com SUMMARY APPRAISAL REPORT USPAP COMPLIANCE ADDI•;NDUM File No. H0902018B Borrower Leo DRZAL Estate Order # Property Address 1293 Kingsley Road iJ City Camp Hill county Cumberland State PA zip Code 17011-6115 Lender/Client DRZAL Leo Estate Client Reference # DRZAL-1293 Kingsley Road Only those items checked lX 1 Gelow n~ply to this report. PURPOSE, FUYYCTION AND INTENDED USE OF THE~APPRAISAL 0 The purpose of the appraisal is to provide an opinion of market value of the subject property as defined in this report, on behalf of the appraisal company facilitating the assignment for the referenced client as the intended user of the report. The only function of the appraisal is to'assist the client mentioned in this report in evaluating the su~lect property for lending purposes. 1'he use of this appraisal by anyone other than thestal•'ed iutendcd user, or for any other use than the stated intended use, is prohibited. The purpose of the appraisal is to provide an opinion of market value of the subject property, as detined in this report, on behalf oCthe appraisal company facilitating the assignment Cor the referenced client as the intended user of this report. The o7r/y function of the appraisal is to assist the client mentioned in this report in evaluating the subject property Real Estate Owned (REO) purposes. The use of this appraisal by anyone other than the slated intended user, or for any other use than the stated intended use, is prohibited. "fhe purpose oCthis appraisal is to , on behalf of the appraisal company facilitating the assigmnent for the referenced client as the intende user oft rs report. ie on y unction o the appraisal is to assist the client mentioned in this repa-t in evaluating the subject property for .The use of this appraisal by anyone other than the stated intended user, or for any other use than the state rnten a use rs pro t rte . TYPE OF APPRAISAL_AND APPR~SAL REPORT. .. ;, , . 0 'T'his is a COMPLETE Appraisal written in a SUMMARY Report format and the USPAP Departure Rule has not been invoked. This is a Limited Appraisal written in a Report format and the USPAP Departure Rule has been invoked as disclosed in the body or addenda of the report. The client has agreed that a Limited Appraisal is sufficient for its purposes. SCOPE (EXTENT) OF REPORT O 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, listings, and/or rentals within the subject market area. The original source of the comparables is shown in the Data Source section of the market grid along with the source of confirmation, if available. The original source is presented first. 1'he sources and data are considered reliable. When conflicting information was provided, the source deemed most reliable has been used. Data believed to be unreliable was not included in the report nor used as a basis for the value conclusion. The extent of analysis applied to this assignment may be further imparted within the report, the Appraiser's Certification below and/or any other Statement of Limiting Conditions and Appraiser's Certification such as may be utilized within the Freddie Mac form 43> or Fannie Mae form 10046 (dated 6/93), when applicable. MARKETING,T~IYIE'AND EXPOSURE TIME EOR'TI=IE SUB3ECT PROPERTY O A reasonable marketing time for the subject property is 3 t0 6 Morl day(s) utilizing market conditions pertinent to the appraisal assignment. A reasonable exposure time for the subject property is day(s). APPRAISER'S CERTIFICATION I certify that, to the best of my knowledge and belief: - The statements of fact contained in this report are true and correct. - The reported analyses, opinions, and conclustions are limited only 6y the reported assumptions and limiting conditions, and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. - f have no present or prospective interest in the property that is the subject of this report, and no personal interest with respect to the parties involved, unless otherwise stated within the report. - I have no bias with respect W the property that is the subject of this report or to the parties involved with this assignment. - My engagement in this assignment was no[ contingent upon developing or reporting predetermined results. - My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment af•a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. - My analyses, opinions, and conclusions were developed, and this report has been prepared, in cunforrnity with the Uniform Standards oC Professional Appraisal Practice. - t have XC~ or have not ^ made a personal inspection of the properly that is the subject of this report. (if more than one person signs this report, this certification must clearly specify which individuals did and which individuals did not make a personal inspection of the appraisal property.) - No one provided significant real property appraisal assistance to the person signing this certification. (If there are exceptions, the name of each individual providing significant professional assistance must be stated.) NOTE: /n the case oJany conflict wish n client provided certification (i. e., Fannie Mne or Freddie Mac), this revised certificaliar slutli take recedence. - Supervisory Appraiser's Certification: If a supervisory appraiser signed the appraisal report, he or she certifies and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 2-7 and 9 on the second page of Freddie Mac Form 439 6-93/Fannie Mae Form 1004B 6-93, or tl,e third page of Form 2055, and am taking full responsibility for the appraisal report. APPRAISER'S AND' SUPERVISORY APPRAISER'S,;SIGNATURE' APPRAISER: SUPERVISORY APPRAISER (only if required): Signature: i Name: Leon D. Gerlach, MSA, MFLA, GAA, CCRA Date the Report was Signed:02/18/2009 State Certifcation #: GA000368L or State License # State: Expiration Date of Certification or License: 06/30/2009 Expiration Date of Certification or License Did inspect subject property Interior & Exterior Exterior only USPAP Canpliance Addendum -Rev. SI01 t Of I Produud uaNy ACI soflwere, e00.2J4.e7D www.eolwet.wm Signature: Name: Date the Repots was Sighed: State Certification #: or State License #: State: Inspected comparables Interior & Exterior Exterior only uspap0l DRZAL-1293 Kingsley File No. H0902018B ********* QUALIFICATIONS ********* APPRAISER RESUME NAME OF APPRAISER: Leon D. Gerlach FIRM NAME: Leon D. Gerlach, Appraiser BUSINESS ADDRESS 305 West Shady Lane, Enola, PA 17025-2240 PHONE 717-732-5052 FAX 717-732-6646 email gerlachl@verizon.net PROFESSIONAL MEMBERSHIPS, DESIGNATIONS AND CERTIFICATIONS Pennsylvania CERTIFIED GENERAL REAL ESTATE APPRAISER Certification Number GA-000368-L (PaCGREA-#368) 10/10/101991 National Association of Real Estate Appraisers in 01/1989 CCRA #27317 Certified Commercial Real Estate Appraiser National Association of REALTORS Real Estate Appraisal Section in 07/1994 GAA General Accredited Appraiser National Association of Independent Fee Appraisers in 1998 Master Appraisers in 05/1999 MSA Master Senior Appraiser MFLA Master Farm & Land Appraiser Greater Harrisburg Association of REALTORS in 1983 Associate Broker AB-048052-L in 12/1955 Greater Harrisburg Association of REALTORS -Appraisal Council 1991 to Present Pennsylvania Association of REALTORS in 1983 EDUCATION PROFESSIONAL & TECHNICAL (APPRAISAL) COURSES SATISFACTORILY COMPLETED COURSE TITLE (tested) DATE (Hours) SPONSORING ORGANIZATION Real Estate LawO 06/1986 (30) Harrisburg Area Community College Real Estate Appraising 12/1986 (30) Harrisburg Area Community College Real Estate Management 06/1987 (30) Harrisburg Area Community College Appraisal 09/1988 (30) The Institute of Real Estate Studies Standards of Professional Practice 02/1991 (15) York County Real Estate Training Center Appraisal of Income Producing Property 03/1991 (30) The Institute of Real Estate Studies Appraisal Course #3-Sales Comparison 05/1991 (16) National Association of REALTORS Appraisal Course #1-Basics of Appraisal 05/1991 (16) National Association of REALTORS Appraisal Course #5-Appraisal Standard/Ethics 08/1991 (16) National Association of REALTORS Appraisal Course #4-Cost & Income 08/1991 (16) National Association of REALTORS Appraisal Course #2-Real Estate Analysis 09/1991 (16) National Association of REALTORS Uniform Standard of Professional Appraisal Practice (USPAP) 02/1993 (16) Appraisal Institute Appraisal Course #7-Intro to Commercial 04/1992 (16) National Association of REALTORS 1410 Standards of Professional Practice Part A 02/1993 (16) Appraisal Institute 1110 Appraisal Principals 02/1993 (39) Appraisal Institute 1120 Appraisal Procedures 03/1993 (39) Appraisal Institute 11420 Standards of Professional Practice Part B 05/1993 (11) Appraisal Institute 1210 Residential Case Study 05/1993 (39) Appraisal Institute 11500 Advance Residential Form & Narrative 07/1993 (39) Appraisal Institute 1310 Basic Income Capitalization 09/1995 (39) Appraisal Institute 1510 Advance Income Capitalization 10/1995 (39) Appraisal Institute Marshall & Swift Cost Approach Residential 10/1995 (7) York County Association of REALTORS Marshall & Swift Cost Approach Commercial 10/1995 (7) York County Association of REALTORS 1410 Standards of Professional Practice Part A 03/1997 (16) Appraisal Institute 1420 Standards of Professional Practice Part B 03/1997 (11) Appraisal Institute Farm & Land 06/1998 (16) Lincoln Graduate Center Commercial Investment Appraisal 06/2004 (15) Lincoln Graduate Center Financial Analysis of Income Property 06/2004 (15) Lincoln Graduate Center National USPAP Course 09/2004 (15) Lincoln Graduate Center Direct Capitalization of Income Property 12/2004 (15) Lincoln Graduate Center Yield Capitalization of Income Property 12/2004 (15) Lincoln Graduate Center National USPAP Course 08/2006 (15) Lincoln Graduate Center Condemnation Appraising: Basic Principles & Applications 12/2006 (15) Appraisal Institute Condemnation Appraising: Advanced Topics & Application 03/2007 (15) Appraisal Institute DRZAL-1293 Kingsley File No. H090201 ********* QUALIFICATIONS ********* EDUCATION Continue APPRAISAL CONFERENCES, SEMINARS, CLINICS AND CONTINUE EDUCATION ATTENDED ACTIVITY OR COURSE TITLE DATES (Hours) SPONSORING ORGANIZATION Exam Prep-Residential Appraisal Certification 05/1991 (15) Appraisal Institute Exam Prep-General Appraisal Certification 06/1991 (15) Appraisal Institute USPAP Update 01/1995 (4) Greater Harrisburg REALTORS Institute Environmental Risk Management 04/1995 (16) Greater Harrisburg REALTORS Institute Commercial Investment Real Estate Analysis 12/1996 (7) Harrisburg REALTORS Institute The FHA Appraisal 12/1996 (3) School of Real Estate Appraising, Inc Appraiser's Legal Liabilities 04/1997 (7) Appraisal Institute Alternative Residential Reporting Forms 05/1997 (7) Appraisal Institute Valuation of Leased Fee Interests 09/1997 (7) Appraisal Institute Valuation of Leasehold Interest 09/1997 (7) Appraisal Institute Rates, Ratios & Reasonableness 10/1997 (7) Appraisal Institute Automated Valuation Models 10/1997 (7) Appraisal Institute Basic Residential HUD Appraisal Requirements 10/1999 (7) National Association of Independent Fee Appraiser A Closer Look at Home Construction 12/1999 (7) Harrisburg REALTORS. Institute Going, Gone -Understanding Depreciation 09/2000 (7) Harrisburg REALTORS Institute USPAP Update 10/2000 (7) Harrisburg REALTORS Institute Calculating Gross Living Using ANSI Standards 12/2000 (7) National Association of Independent Fee Appraiser Appraisal Forms & Reports 02/2001 (7) Harrisburg REALTORS Institute $ and Sense: Introduction to Income Approach 02/2001 (7) Harrisburg REALTORS Institute Appr. Beware Environmental & Stigma Issues 04/2001 (7) Harrisburg REALTORS Institute Litigation Valuation (Expert Witness) 08/2001 (15) National Association of Independent Fee Appraiser Uniform Appraisal Standards for Federal Land Acquisitions 07/2002 (16) Appraisal Institute Appraising Real Estate Fraud 09/2002 (7) Harrisburg REALTORS Institute USPAP Update 09/2002 (7) Harrisburg REALTORS Institute Appr. Beware Environmental & Stigma Issues 03/2003 (7) Harrisburg REALTORS Institute Limiting Appraiser Liability Exposure 04!2003 (7) Harrisburg REALTORS Institute Distressed Property Appraisal 04/2003 (7) Harrisburg REALTORS Institute USPAP Update 05/2003 (7) Harrisburg REALTORS Institute Investment Property: Income & Expense Analysis 10/2003 (7) Harrisburg REALTORS Institute What does Fannie Mae Say 11/2004 (7) Harrisburg REALTORS Institute Photi=Fish and PA Regulations 01/2005 (7) Harrisburg REALTORS Institute The New FANNIE MAE Appraisal Report 08/2005 (7) School of Real Estate Appraising, Inc. Understanding a Commercial Appraisal 02/2006 (7) Harrisburg REALTORS Institute Understanding s Commercial Document 04/2006 (7) Harrisburg REALTORS Institute National USPAP 10/2006 (7) Harrisburg REALTORS Institute Federal Banking & PA Regulations 11/2006 (7) Harrisburg REALTORS Institute Flips, Frauds & Foreclosures 12/2007 (7) Harrisburg REALTORS Institute Scope of Work 04/2007 (7) Harrisburg REALTORS Institute EMPLOYMENT HISTORY NAME ADDRESS OF EMPLOYER Miscellaneous Real Estate Harrisburg Area Miscellaneous Real Estate Harrisburg Area RE/MAX Realty Associates, Inc Camp Hill, PA Leon D. Gerlach, Appraiser Leon D. Gerlach, Appraiser Enola, PA TITLE DUTIES DATES Sales Sales 12/1983 to 12/1985 Sales/Appraiser Sales & Appraiser 12/1985 to 02/1990 Sales/Appraiser Sales & Appraiser 02/1990 to 02/1995 Appraiser/Owner Appraiser 12/1985 to 02/1995 20 to 45 Appraiser/Owner Appraiser 02/1995 to Present 100 DEVOTED TO APPRAISING 5 10 to 30 20 to 45 DRZAL-1293 Kingsley File No. H0902018B ********* QUALIFICATIONS ********* EXPERIENCE SUMMARY EXPERIENCE Presently: PA Associated Broker / PA Certified General Real Estate Appraiser Real Estate Sales Agent (1983-1985) Real Estate Associate Broker 1985 to Present and Appraisals 1985 - Present . Over 15 years in the building industry -Owner of construction company for 10 years and worked for other construction. companies in management, as an estimator, and I personally performed all types of work on residential and commercial properties. Appraisals for the purpose of first and second mortgage loans, buyers, sellers, property settlements, litigation, estates, employee transfers, eminent domain, tax appeals, divorce, partners buy out, easements, partial interest, value for owner, . Appraisals for different types of properties like: vacant land, special purpose, apartments, multi-family, single family, offices, school, part of an island, mixed uses, laundry mat, car wash, sub-divisions, health clubs, day cares, churches, restaurants, bar/taverns, warehouses, retails, retail sales and services, motels, farms, gas stations, mini marts, car lots, strip mall, medical office or use and others. Being as commercial, industrial, agriculture as well as single family residential, have been made in the following counties on a regular basics: Dauphin, Cumberland, Perry, York, Lebanon, Adams and Lancaster. Also do some work in Franklin, Juniata and Snyder county on time permitting basics. Did eminent domain in these additional counties: Franklin, Fulton, Mifflin, Snyder, Berks, Lehigh, Northampton and Monroe. Other Counties only on special request. Review of various appraisals. PARTIAL APPROVED AND COMPLETED ASSIGNMENT LIST Internal Revenue Service U.S. Department of HUD /Property Disposition Branch Resolution Trust Corporation Commonwealth of Pennsylvania Department of Transportation Small Business Administration NAMI Pennsylvania Harrisburg City Annville Township Mt Holly Springs Borough Wheatfield Township Serratelli, Schiffman, Brown & Calhoon Attorney Cunningham 8 Chernicoff PC Attorney Morgan Hallgren, Crosswell & Kane Attorney Siegrist, Koller, Brightbill, Long, & Feeman Dissinger &Dissinger Attorneys MORGAN, James G. Jr., Esquire BRENNEMAN, Keith O.- Attorney Killian & Gephart Barley, Snyder, Senft & Cohen, LLC Linton, Distasio, Adams & Palange, P.C. Messiah College Fulton Precision Inc. Herbert, Rowland & Grubic, Inc. Engineers Alpine Resorts, Inc. Palm Development, Inc. Pennsylvania Housing and Finance Agency United Way of the Capital Region Central Pennsylvania Conservancy Township of Derry Susquehanna Township Dauphin County Commissioners Knupp & Kodak Attorney James G. Morgan Esquire Mette, Evans & Woodside Attorney Saidis, Shuff, Flower 8 Lindsay Purcell, Krug & Haller Hanson & Ruben Hanft & Vohs GRUBB, William Lewis -Attorney Kay Dailey -Attorney Wolfington Body Company Fulton Industrial Development Association Friendship Fire Company Marder and Associates, Inc. DRZAL-1293 Kingsley File No. H09020186 ********* QUALIFICATIONS ********* PARTIAL APPROVED AND COMPLETED ASSIGNMENT LIST Continue Legacy Bank Community Bank Commerce Bank Farmer Trust Bank Mid Penn Bank Blue Ball National Bank PNC Bank First National Bank of Marysville Fulton Bank Vartan National Bank National City Bank Washington Mutual Bank Pennsylvania National Bank Juniata Valley Bank Portage National Bank FIRST National Bank of Newport Union Bank and Trust Company M & T Bank First Union Bank Sovereigh Bank Pennsylvania State Bank Allfirst Bank First Union Bank Citizens Bank Gratz Bank Eastern Savings Bank F & M Trust Company Prudential Bank Drovers Bank Halifax National Bank Orristown Bank Patriot Bank South County Bank Susquehanna Valley Federal Credit Union Members 1st Federal Credit Union Entrust Federal Credit Union Equity One, Inc. Select Business Services Agents Mortgage American Express Chase Manhattan Mortgage Corp. National City Mortgage Statewide Mortgage Associates, Inc. Belco Credit Union Utilities Employee FCU CE Federal Credit Union G MAC Windsor Financial Mortgage Corporation Allstate Appraisal Review Service Wells Fargo Financial Data Search Capital Mortgage Finance Corp. For other attorney, cities, borough, townships, churches, companies, schools, clubs, government agencies and lenders not listed also for many property owner for different reasons and needs.(062007) ~ Sovereign Bank MA1 MB3 02-10 Court Ordered Processing/Decedent P.O. Box 841005 Boston, MA 02284 March 10, 2009 Attn: Craig A. Hatch Gates, Halbruner & Hatch, P.C. 1013 Mumma Road, Suite 100 Lemoyne, PA l 7043 RE: Estate of Leo S. Drzal,~ Date of Death: 12/11 /08 SS#: 279-09-2522 Dear Mr. Hatch: Per your request, enclosed please find account information as of the date of death for the above-named decedent. For your infoniiation, accrued interest in not included in the date of death balance. Please feel free to contact me if I can be of any further assistance. Very,xruly yours, ~ „ f ~_ ~~, _, ~~ COP Specialist III Decedent Department (617) 533-1364 Sovereign Banlt ESTATE OF Leo S. Dual SOC):AI, SECURYTY #: 279-09-2522 DATE OF DEATH: December 11, 2008 Account #: 0181116952 Type: Checking Open date: 7/28/2008 in the name of: Leo S Dr~al or Tena L Embick or Jennifer L Embick Date of Death Balanec: Account closed prior to death Int.(YTD) from 1/1/2008 to 8/7/2008 $0.00 Accrued interest to date of death: $0.00 Other Info; Account closed on 08/07/08. Account #: 1054169519 Type: Money Market Open date: 4/1 I/2008 In the name of: Lco S Dual or Tena L Embick or Jennifer L Embick Date of Death Balance: Account closed prior to death Int.(YTD) from 1/1/2008 to 8/1/2008 : $2.30 Accrued interest to date of death: $0.00 Other info: Account closed on 08/01/08. Account #: 0578114332 Type: Open date: 6/22/1992 In the name of:~ Date of Death Balance: Int.(YTD) from 1 /1 /2008 to 11 /30/2008 $6,773.1 S Accrued interest to date of death: $249.27 Other Info: Account closed on 01/12/09. Account #: _ 1055544504 Type: Open date: 11/4/2008 In the name ofd Date of Death Balance: Tnt.(YTD) from 1 /1 /2008 to 11 /34/2008 $29.67 Accrued interest to date of death: $13.73 Otherlnfo: Account #: 105544512 Type: Open date: 11/4/2008 In the name of Date of Beath Balance: Int.(YTD) from 1/1/2008 to Accrued interest to date of death: Otherlnfo: 1 l /30/2008 $29.67 $13.73 Page 1 of 1 ~''~ rig: ~~ 525 William Penn Place Suite 153-2618 Pittsburgh, PA 15219 March 19, 2009 CRAIG A HATCH Esq 1013 MUMMA RD STE 100 LEMOYNE PA 17043 Estate of LEO S DRZAL Date of Death: December 11, 2008 SSN: 279-09-2522 Dear Sir/Madam: In accordance with your request, the attached information sheet has been provided in the above decedent's name as of his date of death. The deceden~d;~,~.:actve--~c~ounts at the time of his death and he had no Safe Deposit Box. Please contact Retirement Services at 1-800-948-7200 about beneficiaries. ~~ For IL or LC accounts, contact our Loan Department at 1-800-708-6680. For all other inquiries, please call 1-888-999-6884 Sincerely, Phillip Lynch Operations Services ~~ Citizens Bank Account Number 6100681084 Account Title LEO S DRZAL MARY LOU ROE & TENA L EMABICK Date O ened 6/6/ 1966 Account T e Checkin Princi al Balance as of DOD ,'; 83~ ; Interest from Last Postin to DOD $ .00 Account Balance as of DOD $8,117.83 YTD Interest to DOD $59.00 ~~ Citizens Bank Account Number ` ; _,~.7,c-7 , 5984• ,; Account Title LEO S DRZAL MARY LOU ROE Date O ened 9/30/2005 Account T e Time De osits Princi al Balance as of DOD ~ 5y~6.4..9°l Interest from Last Postin to DOD +- x.3:;57 ~` Account Balance as of DOD $25,398.48 YTD Interest to DOD $1,074.89 mint-made~ori 9/30/2005 '~ C~tiz+~ns Bank Account Number X6247-776301 f Account Title LEO S DRZAL TENA L EMBICK Date O ened 9/30/2005 Account T e Time De osits Princi al Balance as of DOD .$25,36,4.91. Interest from Last Postin to DOD ~ $33.57' Account Balance as of DOD $25,398.48 YTD Interest to DOD $1,074.89 .~._ .:_ 'oint made on 9/30/20.0. ~~ Citizens Bank Account Number 5'4_ $:630 :~ Account Title LEO DRZAL Date O ened 10/2/2006 Account T e Time De osits Princi al Balance as of DOD y~1:,7,42.9.01 -; Interest from Last Postin to DOD y,$1.4.82 Account Balance as of DOD YTD Interest to DOD $905.99 ~~ Citizens Bank Account Number 6253-101065 Account Title L FAIvIILY TRUST UTA DTD.;0,8/04/2005 ~, LEO S DRZAL TTEE Date O ened x./_1/2008 -'~ Account T e Time De osits Princi al Balance as of DOD ~2,~~6,2Q- ~i,: Interest from Last Postin to DOD $_ .85,,41..... _ :.`,; Account Balance as of DOD YTD Interest to DOD $1,461.45 'RAYSTONE -BANK- March 23, 2009 Craig A. Hatch, Esquire Gates, Halbruner & Hatch, P.C. 1013 Mumma Road, Suite 100 Lemoyne, PA 17043 Re: Estate of Leo S. Drzal DOD 12/11 /08 Dear Attorney Hatch: Below is the account information on record at Graystone Bank for the above mentioned decedent. Ac~punt ;Account Ownership _ Baias~`of Accrued°: ,.Date ~ I ,~, ~~Nuriiber T~pe~~`' ~ - 12/11/08 interest ~ Opened ~~ Rate. ~ I~ .. ~ . r I . u To ~.f,_ ~_ ~ 12!11108 Leo S. Drzal 3000036681 CD Tena L. Embick, Benef 7a5A~/a $157.02 02/22/07 3.967 Leo S. Drzal 3000036688 CD Mary Lou Roe, Benef ~~~2,237:~,7zz.~. $157.02 02/22/07 3.967 There have been no changes in ownership or transfers on these accounts. Please contact me at 717-724-4605 if you have any questions or require any additional information. i ere! , Lisa Marsh Operations Manager BEST PLACES ~' °" zoob ioo~ to work i n Con.rirtentdy T/oted a Top 10 `Best Placer to Work in Pennsylvania" r~ WACHOVIA Reference ID: 2698650 Wachovia Bank N.A. Balance Confirmation Services P O Box 40028 Roanoke, VA 24022-7313 March 6, 2009 GATES HALBRUNER & HATCH ATTN: CRAIG A HATCH LAW OFFICES 1013 MUMMA ROAD SUITE 100 LEM01'NE, PA 17043 SUBJECT: Verification /Confirmation of Account and Balance Information provided for: Customer: LEO S DRZAL (SSN# XXX-XX-2522) Date of Death: December 11, 2008 Deposit Account Information Account Account Date of Death Average Date Maturity Interest Accrued YTD Date Type Number Balance Balance' Opened Date Rate Interest Interest Paid Closed CERTIFICATE OF XXXXXXXXXXX9681 9/30/2008 9/30/2009 $81.67 DEPOSIT LEGAL TITLE: LEO S DRZAL POD TENA L EMBICK POD MARY L ROE Other Account Information Account Account Date of Balance Date Date Ledger Collected Type Number Opened Closed BROKERAGE XXXX0340 BRK -Your request has been forwarded to the broker listed below and will follow separately. BRUCE D MULVEY @ 717-761-7344/E00-468-8685 No Safe Deposit Box found for customer. * Date of death balance does not ' elude accrued interest. * If ate f death o u son eekend o a holiday, ~a f death balance does not include any transactions that were mad wring e 'o /~ ~~~ ~ my Gra 11 (/ Service Associate Phone: (540)563-7323 mr; ag 0000 000614 Rev 01 Leon D. Gerlach, Appraiser Commercial, Industrial S Residential DRZAL-6F Potts Hill R. File No. H0902020L APPRAISAL OF L ''t, k ~ 4 ~ 4 LOCATED AT: 6F Potts Hill Road Lewisberry, PA 17339 FOR: DRZAL Leo Estate 1293 Kingsley Road Camp Hill, PA 17011-6115 BORROWER: Leo S DRZAL Estate AS OF: February 21, 2009 BY: Leon D. Gerlach, MSA, MFLA, GAA, CCRA Pa Certified General Real Estate Appraiser pub west Snarly Lane, tnola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 Leon D. Gerlach, Appraiser Commercial, Industrial 8 Residential DRZAL-6F Potts Hill I File No. H0907.020L 02/25/2009 Estate DRZAL Leo Estate 1293 Kingsley Road Camp Hill, PA 17011-6115 File Number: H0902020L Dear Estate: In accordance with your request, I have appraised the real property at: 6F Potts Hill Road Lewisberry, PA 17339 The purpose of this appraisal is to develop an opinion of the market value of the subject property, as vacant. The property rights appraised are the fee simple interest in the site. In my opinion, the market value of the property as of February 21, 2009 is: $12,800 Twelve Thousand Eight Hundred Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, limiting conditions and appropriate certifications, Respectfully Submitted, ~...- 4/ eon D. Gerlach, MSA, MFLA, GAA, CCRA Pa Certified General Real Estate Appraiser Certification Number GA-00368-L 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 email: gerlachl@verizon.net 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 RESTRICTED USE REPORT DRZAL-6F Potts Hill Roac LAND APPRAISAL REPORT File No. Hn~n~n~nl Borrower Leo S DRZAL Estate Census Tract 9280-133-209.20 _ Map Reference ADC-Y-7A3 Property Address 6F Potts Hill Road City Lewisberry county York State PA __ __ zip Code 173.39 Legal Description DEED REF: 1749-6798 NOT ATT PER CLIENT Newberr Townshi „ Sale Price OPINION VAL Date of Sale N/A Loan Term N/A yrs. Property Rights Appraised X Fee Leasehold De Minimus PUD Actual Real Estate Taxes $71.00 (yr.) Loan charges to be paid by seller N/A Other sale concessions LendedClient DRZAL Leo Estate Address _1293 Kingsley Road Camp Hill, PA 17011-6115 Occupant SAME Appraiser Leon D. Gerlach Instructions to Appraiser OPINION OF VALUE location Urban X Suburban Rural Good Avg Fair Poor ^ X^ ^ ^ t St bilit l E y oymen a mp Built Up Over 75% O 25% to 75% ^ Under 25% Growth Rate ^ Fully Dev. Rapid X Steady ^ Slow Convenience to Employment ^ 0 ^ ^ i ^ X^ ^ ^ i t Sh C ng ence opp onven o Property Values Increasing X Stable Declining nience to Schools ^ 0 ^ ^ C ^ onve Over Supply Demand/Supply Shortage X In Balance rt ti f P bli T ^ ^ X^ ^ Ad on u ranspo a equacy o c ' Marketing Time Under 3 Mos. X 4-6 Mos. ^ Over 6 Mos. • l Facilities X ^ ti R ecrea ona • resent 38 % 1 Family 6 % 2-4 Family 3 % Apts 1 % Condo 8 °/dCommercial Land Use - f Utilities ^ ^ O ^ Ad ° ° , equacy o • 1 /° Industrial 43 /° Vacant _ /° ibilit ^ 0 ^ ~^ y " Change in Present Land Use X^ Not Likely Likely Taking Place(') Property Compat t iment l Conditio ti f D s ^ o ^ ^ P t n on rom e r a ro ec (')From To Predominant Occupancy X^ Owner Tenant % Vacant Police and Fire Protection ^ O ^ ^ Single Family Price Range 55 to 320 Predominant Value 170 General Appearance of Properties ^ X^ ^ ^ t ^ ^ O ^ l t M k A ar e ppea o Single Family Age 10 yrs. to yrs. 85 Predominant Age 55 yrs. Comments including those factors, favorable or unfavorable, affecting marketability (e.g. public parks, schools, view, noise) See Attached Addendum. Dimensions NO DEED PROVIDED SITE SIZE FROM TAX ASSESSME~ =1.2 Arcres M/L Corner Lot zoning Classification RR Rural Resource 2006 Present Improvements~Do X Do Not Conform to Zoning Regulations Highest and Best Use Present Use X Other (specify) SITE SIZE IS TO SMALL TO IMPROVE Public Other (Describe) OFF-SITE IMPROVEMENTS Topo SLOPES UP TO I~EAR Elec. ^ TO BE PUBLIC Str.Address ~ Public ^ Private Size SMALLER THAN TYPICAL Gas ^ Surface ASPHALT Shape APPROXIMATE RECTANGULAR Water ^ Maintenance X Public Private View TYPICAL OF NEIGHBORHD San. Sewer ^ ~ Storm Sewer ^ Curb/Gutter Drainage APPEARS ADEQUATE ^ Underground Elec & Tel ^ Sidewalk ^ Street Lights Property located in a HUD identified Special Flood Hazard Area? Yes X No Comments (favorable or unfavorable including any apparent adverse easements, encroachments or other adverse conditions) THE SIZE OF THE SUBJECT PROPERTY IS TOO SMALL TO IMPROVE. MIGHT BE ABLE TO IMPROVE IF COMBINED WITI-I THE OWNER'S LOT NEXT TO THIS LOT. The undersigned has recited three recent sales of properties most similar and proximate to the subject and has to be considered these in the market analysis. The description includes a dollar adjustment, reflecting market reaction to those items of significant variation between the subject and comparable properties. If a significant item in the comparable properly is superior to, or more favorable than subject property, a minus (-) adjustment is made, thus reducing the indicated value: of the subject, if a significant in the comparable is inferior to or less favorable than the subject property, a plus (+) adjustment is made, thus increasing the indicated value of the subject. ITEM SUBJECT COMPARABLE NO. 1 COMPARABLE NO. 2 COMPARABLE NO. 3 Address 6F Potts Hill Road 153 Oak Drive 139 Old Quaker Road Siddonsbrug Road Lewisberr Newberr Townshi Newberr Townshi Fairview Townshi Proximit to subect 3.9 MILES SOUTHEAST 1.8 MILE EAST 2.8 MILES WEST Sales Price $ OPINION VAL $ 29 000 $ 85,000 $ 49,000 Price $/S . Ft. ACF 36 708 28,239 6,363 ' Data Source VIEWING MLS/ASMT RECORDS MLS/ASMT RECORDS MLS/ASMT RECORDS Date of Sale and DESCRIPTION DESCRIPTION +(-) Adjust. DESCRIPTION +(-) Adjust. DESCRIPTION +(-) Adjust. - TimeAd'ustment OPINION VALUE 08/2©OS 03/2008 10/2008 Location Suburban SUPERIOR -7 300 SIMILAR SIMILAR SitelView 1.2A -TYPICAL 0.79A -TYPICAL -400 3.01A -TYPICAL +1 800 7.7A -TYPICAL +6 500 - TOPOGRAPHY SOME SLOPE UP MOSTLY LEVEL MOSTLY LEVEL SOME ROLLING +3 100 _ USABLE NONE TOTALLY -14 700 TOTALLY -11,300 TOTALLY -2,500 UTILITY NONE NOW WELL & PU.SEVt -5 400 PU.WA & SEPTI -4,200 NONE NOW PRIOR SALE 08/24/2005 03/30/2000 10/02/2006 NONE LISTED Sales or Financing OTHER CONVENTIONAL CONVENTIONAI Concessions NONE KNOWN NONE KNOWN NONE KNOWN Net Ad'. Total + X - $ 27 800 + X - $ 13,700 X + - $ 7,100 Indicated Value Gross: 75.7 Gross: 61.3 Grossk 190.:2 ~. of Sub'ect Net: -75:7 ' $ 8 908 'Net -48.5 '' $ 14,539 Net. 111:6 ~'' $ 13 463 Comments on Market Data See Attached Addendum. Comments and Conditions of Appraisal See Attached Addendum. Final Reconciliation See Attached Addendum. _ I ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE SUBJECT PROPERTY AS OF February 21, 2009 _ to be 12800 • Appraiser Signaturer~r~" vv " ~.~u~~~~ Supervisor Signature (if applicable) - Appraiser Name Leon D. Gerlach MSA MFLA GAA CCRA Supervisor Name Did Did Not Physically Inspect Property Date Report Signed 02/25/2009 Date Report Signed State Certification # GA000368L State PA State Certification # State State License # State State License # State LAND2 08082005 V~°duced using ACI s°8ware. 800.234.8721 www.aeiweb.c°m RESTRICTED USE REPORT DRZAL-6F Potts Hill Roat LAND APPRAISAL REPORT t=ile Na. F-tnan~n~nl The undersigned has recited three recent sales of properties most similar and proximate to the subject and has to be considered these in the market analysis. The description includes a dollar adjustment, reflecting market reaction to those Items of significant variation between the subject and comparable properties. If a significant Item in the comparable property is superior to, or more favorable than subject property, a menus (-) adjustment is made, thus reducing the indicated value or the subject, it a significant in the comparable is inferior to or less favorable than the subject property, a plus (+) adjustment is made, thus increasing the indicated value of the subject. ITEM SUBJECT COMPARABLE N0.4 COMPARABLE NO. 5 COMPARABLE N0. 6 Address 6F Potts Hill Road Lewisberr 565 Lishburn Road Warrin ton Townshi Proximit tosub'ect "' S.4 MILES SOUTHWEST Sales Price $ OPINION VAL $ 76 000 ' $ $ Price $/S . Ft. ACF 20 652 Data Source VIEWING ML /ASMT RECORDS - Date of Sale and DESCRIPTION DESCRIPTION +(-) Adjust. DESCRIPTION +(-) Adjust. DESCRIPTION +(-) Adjust. Time Ad'ustment OPINION VALUE 10/ 008 Location Suburban SIMILAR Site/View 1.2A -TYPICAL 3.6 A -TYPICAL +2 400 TOPOGRAPHY SOME SLOPE UP MOSTLY LEVEL USABLE NONE TOTALLY -8 200 UTILITY NONE NOW NONE NOW PRIOR SALE 08/24/2005 NONE LISTED Sales or Financing Concessions CONVENTIONAL NONE KNOW N Net Ad'. oral + X - $ 5 800 + - $ + - $ Indicated Value of Sub'ect Gross: 51.3 Net:. -28.1 $ 14 852 Gross .Net: $ Gross Net: $ Comments on Market Data SEE ATTACHE D ADDENDUM PloducW uaMg ACI ~oBwa7a, 800.274.8727 www.9uweb.com A I'1f1C Al f11 111A Borrower: Leo S DRZAL Estate -File No._ H0902020L Property Address• 6F Potts Hiu Road __ Case No.: DRZAL-6F Potts HIII Road City• Lewisberry State: PA __ Zip: 17339 Lender: DRZAL Leo Estate Neighborhood Comments This Newberry Township neighborhood is comprised primarily of properties reflecting similar quality, maintenance, design and appeal, and marketability to the subject property. Availability for this neighborhood, of most public services combined with average access to employment, shopping, and schools gives it a similar appeal to the market as other nearby neighborhoods. No unfavorable factor was observed which would adversely affect marketability. SCOPE OF WORK Viewed the subject property from the exterior only to note the characteristics of the property that are relevant to its valuation. Clarification of Intended Use and Intended User: The Intended User of this appraisal report is the Lender/Client. The Intended Use is to evaluate the property that is the subject of this appraisal for a mortgage finance transaction, subject to the stated Scope of Work, purpose of the appraisal, reporting requirements of this appraisal report form, and Definition of Market Value. No additional Intended Users or Intended Uses are identified by the appraiser. The Intended User of this appraisal report is the Client. The Intended Use is to evaluate the property that is the subject of this appraisal for a opinion of value, subject to the stated Scope of Work, purpose of the appraisal, reporting requirements of this appraisal report form, and Definition of Market Value. No additional Intended Users or Intended Uses are identified by the appraiser. The appraiser's investigation did include research the York MLS Service, Central Penn MLS Service, York County STEB Report, Broker's available information and' appraiser's data base for the past 12 months for comparable sales, listing (mostly for general information), rentals if needed and other data on similar properties to the subject property. Search Parameters such as date of sales, leases, location sizes, types of properties and distances from the subject property did start with relatively narrow constraints and if necessary, be expanded until the appraiser has either retrieved data sufficient (in the appraisers's opinion) to form an opinion of market value, or until the appraiser believes that he has reasonable exhausted the available pool of data. The researched comparable data was viewed and if found appropriate, efforts was made to verify the data used in this report is from the York County Tax Assessment office, York County STEB Report, Appraiser's Data Base, with a persons directly involved in the transactions such as buyers, sellers, brokers or agents some other sources or the owner. The appraiser did report only the data deemed to be pertinent to the valuation problem. Did investigate and analyze any pertinent easements or restrictions, on the fee simple ownership crf the subject property. It is the client's responsibility to supply the appraiser with a deed and/or title report. If a deed and/or title search is not available, the appraiser did rely on a visual viewing and identify any readily apparent easements or restrictions. Did analyze the data found and reach conclusions regarding the market value, as defined in the report, of the subject property as of the date of value using appropriate valuation approach (es) indicated in the report. Did prepare the appraisal in compliance with the Uniform Standards of Professional Appraisal Practice as promulgated by The appraisal Foundation and Code of Professional Ethics and Certification Standards of my memberships and the Certification Appraisal Board of PA. Will not be responsible for ascertaining the existence of any toxic waste or other contamination present on or off site. The appraiser did, however, report any indications of toxic waste or contaminants that may effect value if they are readily apparent during appraiser's investigations. Appraiser cautions the user of the report that the appraiser is not an expert in such matters and that the appraiser may overlook contamination that might be readily apparent to parties who are experts to such matters. Did prepare a Summary Appraisal Report, as defined in USPAP, which did include photographs of the subject property, description of the subject neighborhood, the site, any improvements on the site, a description of the zoning, a highest and best use analysis, a summary of most important comparables used in the appraiser's valuation, a reconciliation and conclusion, a map illustrating the comparables in relationship to the subject property, and other data deemed by the appraiser to be relevant to the assignment. Pertinent data and analyses not included in the report may be retained in the appraiser's file. Comments on Sales Comparison After a thorough search of all available market data the four sales used are considered to be the best indicators of value. All four sales were considered to be weighted similarly in the final reconciliation of value. comparables used are closed sales. LOCATION -Sales comparable #1 is located within a sub division so an adjustment was made for the location. SITE SIZE -Sales comparable #1 is smaller and sales comparables #2,3,4 are larger then the subject property so adjustments were made for the difference in site size and usable area. TOPOGRAPHY -Sales comparable #3 has some more slope so an adjustment was made for the difference. USABLE AREA -The subject property is not large enough for an improvement per the local current zoning so adjustments weer made for the differences. UTILITY -The subject and sales comparables #3,4 have none now, sales comparable #1 has public sewer and sales comparable #2 has public water so adjustments were made for the differences. All other adjustments are self explanatory. If there was no adjustment made it is because the market did not show an Addendum Page 1 of 2 enn~ntni inn Borrower: Leo S DRZAL Estate File No.: H0902020L Property Address: 6F Potts Hill Road Case No.: DRZAL-6F Potts Hill Road City: Lewisberry State: PA Zip: 17339 Lender: DRZAL Leo Estate adjustment should be made. The amount of the adjustments are from the information from the market. COMPARISON COMMENTS It is noted that comparable No(s). _1,4_ are located more than: ()One mile for urban location. (X) Three miles for suburban location. ()Five miles for rural location from the subject. These comparables sales were selected after a thorough search of the area. They are located in a neighborhood similar to the subject, and are considered to be the best comparable sales available at the time of this report. It is noted that comparable No(s). _2_ occurred over six months prior to the appraisal date. These comparable sales were selected after a search of the area and are considered to be the best available at the time of this report. It is better to go a little further back in time sometimes than to go further away from the subject property. Condition of Appraisal Comments THIS REPORT WAS PREPARED FOR THE ESTATE OF THE PERSON LISTED IN THIS REPORT AS AN OPINION OF MARKET VALUE OF THE REAL ESTATE LISTED IN THIS REPORT AND NOT TO BE USED BY THE ESTATE FOR ANY OTHER PURPOSE AND NOT TO BE USED FOR A LENDING DECISION. Final Reconciliation The Market Approach is considered to be the best indicator for an opinion of market value for this type of property and is given greatest weight in this report. The comparable sates are felt to provide reasonably good support for a final opinion of market value. The Income Approach was not used due to the lack of similar type land properties rentals. The Cost Approach is not used on land only properties. Addendum Page 2 of 2 DRZAL-6F Potts Hill I File No. H0902020L DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he considers his own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions' granted by anyone associated with the sale, 'Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the Appraiser's judgment. STATEMENT OF 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: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinion:> about the title. The property is appraised on the basis of it being under responsible ownership. 2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand. 5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if they are 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 of the subject property or that he or she became aware of during the normal research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden or unapparent conditions of the property or adverse environmental conditions (including the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied, regarding the condition of the property. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment of the property. 7. The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that he or she considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such items that were furnished by other parties, 8. The appraiser will not disclose the contents of the appraisal report except as 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 satisfactory completion, repairs, or alterations on the assumption that completion of the improvements will be performed in a workmanlike manner. 10. The appraiser must provide his or her prior written consent before the lender/client specified in the appraisal report can distribute the appraisal report (including conclusions about the property value, the appraiser's identity and professional designations, and references to any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the mortgagee or its successors and assigns; the mortgage insurer; consultants; professional appraisal organizations; any state or federally approved financial institution; or any department, agency, or instrumentality of the United States or any state or the District of Columbia; except that the lender/client may distribute the property description section of the report only to data collection or reporting service(s) without having to obtain the appraiser's prior written consent. the appraiser's written consent and approval must also be obtained before the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media. Vacant Land Page 1 of 2 DRZAL-6F Potts Hill I File No. H0902020L APPRAISERS CERTIFICATION: The Appraiser certifies and agrees that: 1. I have researched the subject market area and 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 significant item in a comparable property is superior to , or 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 a comparable property is inferior to, or less favorable than the subject property, I have made a positive adjustment to increase the adjusted sales price of the comparable. 2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the appraisal report. I have not knowingly withheld any significant information from the appraisal report and I believe, to the best of my knowledge, that all statements and information in the appraisal report are true and correct. 3. I stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the contingent and Limiting Conditions specified in this form. 4. I have no present or prospective interest in the property that is the subject to this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or the estimate of market value in the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property. 5, I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my compensation for performing this appraisal is contingent on the appraised value of the property. 6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party, the amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my compensation and/or employment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation, a specific valuation, or the need to approve a specific mortgage loan. 7. I performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the effective date of this appraisal, with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable time for exposure in the open market is a condition in the definition of market value and the estimate I developed is consistent with the marketing time noted in the neighborhood section of this report, unless I have otherwise stated in the reconciliation section. 8. I have personally inspected the subject property and the exterior of all properties listed as comparables in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject improvements, on the subject site, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustments for these adverse conditions in my analysis of the property value to the extent that I had market evidence to support them. I have also commented about the effect of the adverse conditions on the marketability of the subject property. 9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on significant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal report, I have named such individual(s) and disclosed the specific tasks performed by them in the reconciliation section of this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in the report; therefore, if an unauthorized change is made to the appraisal report, I will take no responsibility for it. SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he or she certifies and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking full responsibility for the appraisal and the appraisal report. ADDRESS OF PROPERTY APPRAISED: 6F Potts Hill Road, Lewisberry, PA, 17339 APPRAISER: SUPERVISORY APPRAISER (only if required) Signature: Name: Leon D. Gerlach, MSA, MFLA, GAA, CCRA Date Signed: 02/25/2009 State Certification #: GA000368L or State License #: State: PA Expiration Date of Certification or License: 06/30/2009 Signature: Name: Date Signed: State Certification #: or State License #: State: Expiration Date of Certification or License: ^ Did ^ Did Not Inspect Property Pa Certified General Real Estate Appraiser ADDITIONAL CERTIFICATION AND LIMITED CONDITIONS ~ Vacant Land Page 2 of 2 DRZAL-6F Potts Hill I File No.H0902020L ADDITIONAL CONTINGENT -LIMITED CONDITIONS -CERTIFICATIONS -- This report was prepared for the client named in this report and the fee charged was for the preparation of this report only. If the client named in this report gives a copy of this report and/or gives written consent to a third party and the third party of this report wants a consultation of this report, with the appraiser, there will be a consultation fee to the third party which must be paid prior to any consultation with the appraiser. -- The comparable properties data relied upon in this report is believed to be from reliable sources, however, it was not possible to inspect the comparable properties completely, and it was necessary to rely on information furnished by others as to said data, condition, therefore, the value conclusions are subject to the correctness and verification of said data. -- The appraiser has inspected, as far as possible, by observation, the land and the improvements thereon, however, this is not to be considered a property inspection and it was not possible to personally observe conditions beneath the soil or hidden structural components within the improvements, therefore, no representations or guarantee of condition are made herein as to these matters and unless specifically considered in this report, the value estimate is subject to any such conditions that could cause a loss in value. Condition of heating, cooling, ventilation, electrical, plumbing and other equipment is considered to be commensurate with the condition of the balance of the improvements unless otherwise stated. -- All furnishings and equipment, except those specifically indicated and typically considered as a part of real estate, have been disregarded by the appraiser. Only the real estate has been considered. -- The appraiser has provided a sketch in this report to show approximate dimensions of the improvements, and the sketch is included only to assist the reader of this report in visualizing the property and understanding the appraiser's determination of the size. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantee, express or implied, regarding this determination. -- I certify that, to the best of my knowledge and belief, the reported analyses, opinions and conclusions were developed, and this report has been prepared, in conformity with the requirements of the Code of Professional Ethics and the Standards of Professional Appraisal Practice of my current memberships. -- I certify that the use of this report is subject to the requirements of my current memberships relating to review by its duly authorized representatives. -- As of the date of this report, I Leon D. Gerlach have completed the requirements of the continuing education program of my current memberships. -- AVERAGE, SIMILAR, STANDARD &/OR TYPICAL as used in this report, is that the property is standard for the style, type, size and value for the subject property and/or the comparable sales properties. -- Every subject property cannot always be compared to "ideal" comparable sales. The appraiser must choose the best sales available from the search of market information, which meet the best underwriting standards possible. The appraiser has made every adjustment of line items on the grids as per the information available from the market data, according to the guidelines established by the professional appraisal association, of which this appraiser is affiliated, the Appraisal Institute. -- NOTE -The electronic Digital Photos in this report have not been altered in any way as to change the information of the photos. There is sometimes a need to lighten or darken the photo for clarity only. -- NOTE -The Digitalized Signature(s) affixed on this report, and certification, were applied by the original appraiser(s) or supervisory appraiser and represent their acknowledgements of the facts, opinions and conclusions found in the report. Each appraiser(s) applied his or her signature electronically using a password encrypted method.. The appraiser excepts no responsibility or liability for any change(s) made to the appraiser's original report sent by electronic means in any format. -- NOTE -The current Uniform Standards of Professional Appraisal Practice defines the market value conclusion as an opinion of market value and not an estimate of market value. -- NOTE -The subject property is to be in a marketable condition for this report to apply or as other condition maybe stated in this report. This fam wat paduced on the ACI ~evelopmanf RapidFama ryslem (B00) 270~BIP7 Ixl 0 7/0 11700 1 Leon D. Gerlach, Appraiser SUBJECT PROPERTY PHOTO ADDENDUM 3orrower: Leo S DR2AL Estate File No,. H0902020L 'roperty Address: t3F Potts Hill Road Case No.: DRZAL-tiF Potts Hill Road ;ity: Lewisberry State: PA Zip: 17339 .ender: DRZAL Leo Estate .~ v s. ;,t ~ s f, t ,~~;~ s; ~`:; ; FRONT VIEW OF SUBJECT PROPERTY Appraised Date: February 21, 2009 Appraised Value: $12,800 REAR VIEW OF SUBJECT PROPERTY STREET SCENE l ,;:i 1 _ i PLAT MAP Borrower: Leo S DRZAL Estate File No.: H0902020L Property Address' 6F Potts Hiil Road Case No.: DRZAL-6F Potts Hill Road City' Lewisberry State: PA Zip: 17339 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 LOCATION MAP Borrower: Leo S DRZAL Estate File No.: H0902020L Property Address: 6F Potts Hill Road Case No.: DRZAL-6F Potts HIII Road City: Lewisberry State: PA Zip: 17339 Lender: DRZAL Leo Estate ~ ~ r"` ~'i A,C-~ S 3' 6~ ~~ ~ 1, A L7 Cepilttl ; ,~: ~~tk, ,, ~ ~ i ~ r ,, ~ ~ S ' . `"~ s ',~ ~~~ i ,.r.. ~ tt ~AI'~dyle ~' *`'"~~ ~ r y~~ ~ r;'1~ ~,~; Nt ;;~ 2~T ~ ~ w~r~ ~~ ~ J r, ''y ~' ~« aoa + by , ,.: ~ r"'- ~ ~ _ ~ ~'~- +: ate 1 ~ ~ ~ ' ' ~~ ~~a k , ~ I .. 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J nVrGltlSl]OrD ~ ~ n ~ ~ 7J;~'`` Np" °4 ~ .1_ rt ,,, ~! ~ .SUBJECT 2 ', _r, 7,, ~,.. t ~`~~~I #, e~ _± .... .. ,:..~ ~ ~o ,4 ~ ~: 3 1 , ,. III { n S~IP72, fslgY~c~ ` ~~ COMPN3 ' ~ , 5 4{ I '~, g. j ~ ~` ~* - 33 COMP M2 ~', ~ ~ IJIJ A tra~ $~'; ~ .,~ ,' r ~ 1 ~1 ~ 1 ~ u , , o r ., k , ',,,,,y ~,,_.. s r `~ ~~ z ~`~~. '', ~ r i ~.' , r ,~ t , b t ram„ ,~+r , T ~i ~ ~t fr r: k, Y ~ r i. l „ ~ ' ~ ~~~ ) 1 ti ~' . , ,,az ` ~ ,. e ~, ' s~ 1! p M ~ ti.,.. ~ ~ i ~~ ~pp ry y~Y[l~`K N~j i I y~_ ~ ~ 4 t ,. ... n a J z 4 t :y~ ip r n A ~a l>., 7J RC). ! ~: ''I ~r p PINETOVG f ~ r t. •G G. ~s i~ r < I ~ ~h ~ , r ~ ~~ t 4 w q ., ~' ,_ . r ..... ..ti . .. .• ~1~ '~ ~ ! ;Phavtown , ,r': a reek tlW ~A5 or". l , r" ( r . .~ . I t ~ ~ ~ ~ yv ~ r~. r '.~ ~~ ~ .OFF Y ~• r 4 '"' ~ K '~~ ~ 4+ ~ ... b . ~:., 4 ', COMP N4 „~ ~ ,: 2 `~ 1 •1 ,, S%, f ... i trln P,t PUVn 'y ~ «~+•. rtli ,r.% w '~. ~ ~ e X511. .,i r i . { yr : ,: ' l :M ~~ ~ ' r S '. 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LBZy B f~enrl ` . l~ ~ ,pdt 'Y ~.. / ~J~ '; 1 f "y;-„ .,"' lti .l~~x; s r ,: ~, i~~ \.~C ~ t ~~ _3e 1~. ~.. t} ~• µµ ~~ ~ Y• ~ ,~ IL , ~ r „ . +, _t 1 A , ~ 1.. -t f .r r 9_ :~~~ .,i..., , w • ~'j, - i'• f k r' i-' 'PQ i l i •:t. ti •rr ~~ Sir ,x. ^~ e ~T;' t I... !/r /, 'F]; fi 1 r ~ Q ~ ._ c r' : ) I ' ~ ~ t ~~~ J .~C ~,. . .x ~+' r'e^. r~~ +f Cpl S ~~~}~. 4""'\i~.., Y~~/. ~ ,.. J,{ .: mi Data use subject to license. _ __ _ ©2006 DeLorme. Street Atlas USA® 2007 Plus. 0 ~~ '1 ~'/~ ~ 21/z wvwv.delorme.com MN (11.2° W) Data Zoom 11-0 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 I 'roperty Address:6F Potts Hill Road Case No.: DRZAL-6F Potts Hill Road amity; Lewisberry State: PA Zip; 17339 ~~~.: :d.~ x ,~: 1 i ~~~ 1, V ~ ,, '~, a . I-'' w h. ~ .t r: ~ ~ ~ +e~~~ ~~ '~ p s4 1 •, a ,. ~ s:fir wa~ ~.,, ~"` ~ `~ 7 ,(~zx y~y~~ a y1 ~~' O ~'I. A~T ~ ~~ ~ .~ ~~ ~ ~~ ~ ' * ~ ' ~ + ' . 6 ilk ' ' • Wv ~ ' .. mot,., y ! 1. `. A.. 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COMPARABLE SALE #1 153 Oak Drive Newberry Township Sale Date: 08/2008 Sale Price: $ 29,000 COMPARABLE SALE #2 139 Old Quaker Road Newberry Township Sale Date: 03/2008 Sale Price: $ 85,000 COMPARABLE SALE #3 Siddonsbrug Road Fairview Township Sale Date: 10/2008 Sale Price: $ 49,000 f+A~A~A~A~I C G~/1~C~TV 1]Ll/1TA AAAC\11'1111 COMPARABLE PROPERTY PHOTO ADDENDUM Borrower: Leo S DRZAL Estate File No.: H0902020L Property Address:6F Potts Hill Road Case No.: DRZAL-6F Potts Hill Road :,iy; Lewisberry State: PA Zip; 17339 gender: ORZAL Leo Estate COMPARABLE SALE #4 565 Lishburn Road Warrington Township Sale Date; 10/2008 Sale Price: $ 76,000 COMPARABLE SALE #5 Sale Date: Sale Price: $ COMPARABLE SALE #6 Sale Date: Sale Price; $ RESTRICTED USE REPORT MULTI-PURPOSE SUPPLEMENTAL ADDENDUM DRZAL-6F Potts Hill RI FOR FEDERALLY RELATED TRANSACTIONS H0902020L BorrowerlClient Leo S DRZAL Estate Property Address 6F Potts Hill Road City Lewisberry County York State PA Zip Code 17339 Lender DRZAL Leo Estate This Multi-Purpose Supplemental Addendum for Federally Related Transactions was designed to provide the appraiser with a con- venient way to comply with the current appraisal standards and requirements of the Federal Deposit Insurance Corporation (FDIC}, the Office of the Comptroller of Currency (OCC), The Office of Thrift Supervision (OTS), the Resolution Trust Corporation (RTC) and the Federal Reserve. This Multi-Purpose Supplemental Addendum is for use with any appraisal. Only those statements which have been checked by the appraiser apply to the property being appraised. X --• ~ • .... . The purpose of the appraisal is to estimate the market value of the subject property as defined herein. The function of the appraisal is to assist the above-named Lender in evaluating the subject property for lending purposes. This is a federally related transaction. X ~ ~...~ ~ ..~ 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 within the subject market area. The ongfinal source of the com- T i ginal source he or parables is shown in the Data Source section of the market grid along with the source of confirmation, if available. is resented first. The sources and data are considered reliable. When conflicting information was provided, the source deemed most reliable has been used. Data believed to be unreliable was not included in the report nor used as a basis for the value conclusion. ^ The Reproduction Cost is based on supplemented by the appraiser's knowledge of the local market. ^ Physical depreciation is based on the estimated effective age of the subject property. Functional and/or external depreciation, if present, is specifically addressed in the appraisal report or other addenda. in estimating the site value, the appraiser has relied on personal knowledge of the local market. This knowledge is based on prior and/or current analysis of site sales and/or abstraction of site values from sales of improved properties. ^ The sub11'ect property is located in an area of primarily owner-occupied single family residences and the Income Approach is not consi- dered to be mearnngful. For this reason, the Income Approach was not used. ^ The Estimated Market Rent and Gross Rent Multiplier utilized in the Income Approach are based on the appraiser's knowledge of the subject market area. The rental knowledge is based on prior and/or current rental rate surveys of residential properties. The Gross Rent Multiplier is based on prior and/or current analysis of prices and market rates for residential properties. ^ For income producing properties, actual rents, vacancies and expenses have been reported and analyzed. They have been used to pro- ject future rents, vacancies and expenses. X ~ ~ • • r • ~ . 1 • According to THE LOCAL MULTI LISTING SERVICE the subject property; X^ has not been offered for sale in the past: 30 days 1 year 3 years X Other _ is currently offered for sale for $ was offered for sale within the past: 30 days ^ 1 year ^ 3 years ^ Other for $ Offering information was considered in the final reconciliation of value. ^ Offering information was not considered in the final reconciliation of value. ^ Offering information was not available. The reasons for unavailability and the steps taken by the appraiser are explained later in this addendum. X , ~ . ~ .. ~ According to TAX ASSESSMENT & LOCAL MULTILISTING SERVICE the subject property; Q has not transferred in the past 1 year X 3 years Other ^ has transferred in the past ^ 1 year ^ 3 years ^ Other ^ All prior sales which have occurred in the past months or years are listed below and reconciled to the appraised value, either in the body of the report or in the addenda. Date Sales Price Document # Seller Bu er X ~ ••~ ~ ~~ it. Q Subject property is not located in a FEMA Special Flood Hazard Area. ^ Subject property is located in a FEMA Special Flood Hazard Area. Zone FEMA Ma /Panel# Ma Date Name of Communit C 422226-00058 07/02/1980 Newberry Township The community does not participate in the National Flood Insurance Program. The community does participate in the National Flood Insurance Program. It Is covered by a regular program. It is covered by an emergency program. Produced ualnq ACI sollwara, A00.231.8727 www.atrwab.com mpsa03 DRZAL-6F Potts Hill R~ RESTRICTED USE REPORT H0902020L .. ~ ~ ~ X The subject property is currently not under contract. The contract and/or esaow instructions were not available for review. The unavailability of the contract is explained later in the addenda section. The contract and/or escrow instructions were reviewed.The following summarizes the contract: Contract Date Amendment Date Contract Price Seller ^ The contract indicated that personal property was not included in the sale, ^ The contract indicated that personal property was included. It consisted of Estimated contributory value is $ ^ Personal property was not included in the final value estimate. Personal property was Included in the final value estimate. The contract indicated no financing concessions or other incentives. The contract indicated the following concessions or incentives: ^ If concessions or incentives exist, the comparables were checked for similar concessions and appropriate adjustments were made, 'rf applicable, so that the final value conclusion is in compliance with the Market Value defined herein. X '' • ' 3 to 6 months is considered a reasonable marketing period for the subject property based on THE LOCAL MULTILISTING SERVICE The Appraiser certifies and agrees that: (1) Their analyses, opinions and conclusions were developed, and this report was prepared, inconformity with the Uniform Standards of Professional Appraisal Practice ("USPAP"), except that the Departure Provision of the USPAP does not apply. (2) Their compensation is not contingent upon the reporting of predetermined value or direction in value that favors the cause of the client, the amount of the value estimate, the attainment of a stipulated result, or the occurrence of a subsequent event. (3) This appraisal assignment was not based on the requested minimum valuation, a specific valuation, or the approval of a loan. X ~~~ • ~ • ~ • ~ • The value estimated is based on the assumption that the property is not negatively affected by the existence of hazardous substances or detrimental environmental conditions unless otherwise stated in this report. The appraiser is not an expert in the identification of hazardous substances or detrimental environmental conditions. The appraiser's routine inspection of and inquiries about the subject property did not develop any information that indicated any apparent significant hazardous substances a detrimental environmental conditions which would affect the property negatively unless otherwise stated in this report. It is possible that tests and inspections made by a qualified hazardous substance and environmental expert would reveal the existence of hazardous substances or detrimental environmental conditions on or around the property that would negatively affect its value. ~~~ • ~ • Appraiser's Signature ~-- ~ Effective Date February 21, 2009 Appraiser's Name (print) Leon D. Gerlach MSA MFLA GAA Phone # (717 )732-5052 Date Prepared 02/25/2009 State PA License X Certification # GA000368L Tax ID # 25-1684027 • ~...~ ~ • ^ The co-signing appraiser has personally inspected the subject property, both inside and out, and has made an exterior inspection of all comparable sales listed in the report. The report was prepared by the appraiser under direct supervision of the co-signing appraiser. The co-signing appraiser accepts responsibility for the contents of the report including the value conclusions and the limiting conditions, and confirms that the certifications apply fully to the co-signing appraiser ^ The co-signing appraiser has not personally inspected the interior of the subject property and: ^ has not inspected the exterior of the subject property and all comparable sales listed in the report. has inspected the exterior of the subject property and all comparable sales listed in the report. The report was prepared by the appraiser under direct supervision of the co-signing appraiser. The co-signing appraiser accepts responsibility for the contents of the report, including the value conclusions and the limiting conditions, and confirms that the certifications apply fully to the co-signing appraiser with the exception of the certification regarding physical inspections. The above describes a level of inspection performed by co-signing appraiser. ^ The co-signing appraiser's level of inspection, involvement in the appraisal process and certification are covered elsewhere in the addenda section of this appraisal. Co-Signing Appraiser's Signature Effective Date Appraiser's Name (print) Phone # ( ) Date Prepared State License Certification # Tax ID # PloEUCaC using ACI sollware, 80017~.E717 www.aciweb.wm mpaa0] RESTRICTED USE REPORT USPAP COMPLIANCE ADDENDUM rile No. H0902020L Borrower Leo S DRZAL Estate Order # Property Address 6F Potts Hill Road Ciry Lewisberry County York State PA zip Code 17339 Lender/Client DRZAL Leo Estate Client Reference # DRZAL-6F Potts Hill Road Only those items checked I X l below nvply [o this report. PURPOSE, FUNCTION AND INTENDED USE OF~iTHE APPRAISAL O "I'he purpose oCthe appraisal is to provide an opinion of market value oCthe subject property as defined in this report, on behalf of the appraisal company facilitating the assignment for the referenced client as the intended user of the report. The only 1lrnclion of the apprarsal is to assist the client mentioned in this report in evaluating the subject property for lending pw~poses. The use of this appraisal by anyone other than the stated intended user, or for any other use than the stated intended use, is prohibited. The purpose of the appraisal is to provide an opinion of market value of the subject property, as defined in this report, un behalf of the appraisal company facilitating the assignment for the referenced client as the intended user of this report. The only function oC the appraisal is to assist the client mentioned in this report in evaluating the subject property Real Estate Owned (REO) purposes. 1'he use of this appraisal by anyone other than the stated intended user, or for any other use than the stated intended use, is prohibited. 1'he purpose of this appraisal is to , on behalf of the appraisal company 1~lcilitating the assignment for the referenced client as the intende user o tus report. to on y unction o the appraisal is to assist the client mentioned in this report ur evaluating the subject property for .The use of this appraisal by anyone other than the stated intended user, or for any other use than the state rnten a use rs pro a rte . TYPE OF APPRAISAL AND'APPRAISAL,REPORT O This is a COMPLETE Appraisal written in a RESTRICTED Report format and the USPAP Departure Rule has not been invoked. This is a Limited Appraisal written in a Report format and the USPAP Departure Rule has been invoked as disclosed in the body or addenda of the report. The client has agreed that a Limited Appraisal is sufficient for its purposes. SCOPE (EXTENT) OF REPORT - O 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, listings, and/or rentals within the subject market area. The original source of the ~ comparables is shown in the Data Source section of the market grid along with the source of confirmation, if available. The original source is presented first. The sources and data are considered reliable. When conflicting information was provided, the source deemed most reliable has been used. Data believed to be unreliable was not included in the report nor used as a basis for the value conclusion. 1'he extent of analysis applied to this assignment may be further imparted within the report, the Appraiser's Certification below and/or any other Statement of Limiting Conditions and Appraiser's Certification such as may be utilized within the Freddie Mac fm•m 439 or Fannie Mae form 1004b (dated 6/93), when applicable. ~~ MARKETING TIME AND EXPOSURE TIME FO'R THE SUBJECT•PROPERTY . A reasonable marketing time for the subject property is 3 to 6 Mon day(s) utilizing market conditions pertinent to the appraisal assignment. A reasonable exposure time for the subject property is day(s). APPRAISER'S CERTIFICATION ` - 1 certify that, to the best of my knowledge and belief: - The statements of fact contained in this report are true and con•ect. - The reported analyses, opinions, and conclustions are limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. - [have no present or prospective interest in the property that is the subject of this report, and no personal interest with respect to the parties involved, unless otherwise stated within the report. - 1 have no bias with respect to the property that is the subject of this report or to the parties involved wish this assignment. - My engagement in this assignment was not contingent upon developing or reporting predetermined results. - My compensation fbr completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. - My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standards oC Professional Appraisal Practice. - l have XD or have not ^ made a personal inspection of the property that is the subject of this report. (if more than one person signs this report, this certification must clearly specify which individuals did and which individuals did not make a personal inspection of the appraisal property.) - No one provided significant real property appraisal assistance to the person signing this certification. ([f there are exceptions, the name of each individual providing significant professional assistance must be stated.) NOSE: /rr the case ojany conflict with a client provided certification (i. e., Fannie Mae or Freddie Mac), this revised certification shat! tnke - Supervisory Appraiser's Certification: If a supervisory appraiser signed the appraisal report, he or she certifies and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 2-7 and 9 on the second page of Freddie 1vlac l~orm 439 6-93/Fannie Mae Form 10048 6-93, or the third page of Form 2055, and am taking full responsibility Foe the appraisal report. I APPRAISER'S, AND SUPERVISQRY APPRAISER'S SIGNATURE APPRAISER: Si nature: ~d~/~~/'~~ L Namme: Leon .Gerlach, MSA, MFLA, GAA, CCRA Date the Report was Signed:02/25/2009 State Certification #: GA000368L or State License # State: PA Expiration bate of Certification or License: 06/30/2009 SUPERVISORY APPRAISER (only if required): Sitnature: Name: Date the Report was Signed: State Certification #: or State License #: State: Expiration Date of Certification or License: Did inspect subject property ~~ hispected comparables Interior & Exterior ~ Interior & Exterior Exterior only ~~ Exterior only USPAP Canplianu Addendum • Rev. 5101 ). Of 1 uspap0l PraAUCed using ACI solhvare, 800.234.e727 www.aciweb.com DRZAL-6F Potts Hill I File No. ********* QUALIFICATIONS ********* APPRAISER RESUME NAME OF APPRAISER: Leon D. Gerlach FIRM NAME: Leon D. Gerlach, Appraiser BUSINESS ADDRESS 305 West Shady Lane, Enola, PA 17025-2240 PHONE 717-732-5052 FAX 717-732-6646 email gerlachl@verizon.net PROFESSIONAL MEMBERSHIPS, DESIGNATIONS AND CERTIFICATIONS Pennsylvania CERTIFIED GENERAL REAL ESTATE APPRAISER Certification Number GA-000368-L (PaCGREA-#368) 10/10/101991 National Association of Real Estate Appraisers in 01/1989 CCRA #27317 Certified Commercial Real Estate Appraiser National Association of REALTORS Real Estate Appraisal Section in 07/1994 GAA General Accredited Appraiser National Association of Independent Fee Appraisers in 1998 Master Appraisers in 05/1999 MSA Master Senior Appraiser MFLA Master Farm & Land Appraiser Greater Harrisburg Association of REALTORS in 1983 Associate Broker AB-048052-L in 12/1955 Greater Harrisburg Association of REALTORS -Appraisal Council 1991 to Present Pennsylvania Association of REALTORS in 1983 EDUCATION PROFESSIONAL & TECHNICAL (APPRAISAL) COURSES SATISFACTORILY COMPLETED COURSE TITLE (tested) DATE (Hours) SPONSORING ORGANIZATION Real Estate LawO 06/1986 (30) Harrisburg Area Community College Real Estate Appraising 12/1986 (30) Harrisburg Area Community College Real Estate Management 06/1987 (30) Harrisburg Area Community College Appraisal 09/1988 (30) The Institute of Real Estate Studies Standards of Professional Practice 02/1991 (15) York County Real Estate Training Center Appraisal of Income Producing Property 03/1991 (30) The Institute of Real Estate Studies Appraisal Course #3-Sales Comparison 05/1991 (16) National Association of REALTORS Appraisal Course #1-Basics of Appraisal 05/1991 (16) National Association of REALTORS Appraisal Course #5-Appraisal Standard/Ethics 08/1991 (16) National Association of REALTORS Appraisal Course #4-Cost & Income 08/1991 (16) National Association of REALTORS Appraisal Course #2-Real Estate Analysis 09/1991 (16) National Association of REALTORS Uniform Standard of Professional Appraisal Practice (USPAP) 02/1993 (16) Appraisal Institute Appraisal Course #7-Intro to Commercial 04/1992 (16) National Association of REALTORS 1410 Standards of Professional Practice Part A 02/1993 (16) Appraisal Institute 1110 Appraisal Principals 02/1993 (39) Appraisal Institute 1120 Appraisal Procedures 03/1993 (39) Appraisal Institute 11420 Standards of Professional Practice Part B 05/1993 (11) Appraisal Institute 1210 Residential Case Study 05/1993 (39) Appraisal Institute 11500 Advance Residential Form & Narrative 07/1993 (39) Appraisal Institute' 1310 Basic Income Capitalization 09/1995 (39) Appraisal Institute 1510 Advance Income Capitalization 10/1995 (39) Appraisal InstitutE; Marshall & Swift Cost Approach Residential 10/1995 (7) York County Association of REALTORS Marshall & Swift Cost Approach Commercial 10/1995 (7) York County Association of REALTORS 1410 Standards of Professional Practice Part A 03/1997 (16) Appraisal Institute 1420 Standards of Professional Practice Part B 03/1997 (11) Appraisal InstitutE~ Farm & Land 06/1998 (16) Lincoln Graduate Center Commercial Investment Appraisal 06/2004 (15) Lincoln Graduate Center Financial Analysis of Income Property 06/2004 (15) Lincoln Graduate Center National USPAP Course 09/2004 (15) Lincoln Graduate Center Direct Capitalization of Income Property 12/2004 (15) Lincoln Graduate Center Yield Capitalization of Income Property 12/2004 (15) Lincoln Graduate Center National USPAP Course 08/2006 (15) Lincoln Graduate Center Condemnation Appraising: Basic Principles & Applications 12/2006 (15) Appraisal Institute Condemnation Appraising: Advanced Topics & Applications 03/2007 (15) Appraisal Institute DRZAL-6F Potts Hill I File No. H0902020L ********* QUALIFICATIONS ********* EDUCATION Continue APPRAISAL CONFERENCES, SEMINARS, CLINICS AND CONTINUE EDUCATION ATTENDED ACTIVITY OR COURSE TITLE DATES (Hours) SPONSORING ORGANIZATION Exam Prep-Residential Appraisal Certification 05/1991 (15) Appraisal Institute Exam Prep-General Appraisal Certification 06/1991 (15) Appraisal Institute USPAP Update 01/1995 (4) Greater Harrisburg REALTORS Institute Environmental Risk Management 04/1995 (16) Greater Harrisburg REALTORS Institute Commercial Investment Real Estate Analysis 12/1996 (7) Harrisburg REALTORS Institute The FHA Appraisal 12/1996 (3) School of Real Estate Appraising, Inc Appraiser's Legal Liabilities 04/1997 (7) Appraisal Institute Alternative Residential Reporting Forms 05/1997 (7) Appraisal Institute Valuation of Leased Fee Interests 09/1997 (7) Appraisal Institute Valuation of Leasehold Interest 09/1997 (7) Appraisal Institute Rates, Ratios & Reasonableness 10/1997 (7) Appraisal Institute Automated Valuation Models 10/1997 (7) Appraisal Institute Basic Residential HUD Appraisal Requirements 10/1999 (7) National Association of Independent Fee Appraiser A Closer Look at Home Construction 12/1999 (7) Harrisburg REALTORS Institute Going, Gone -Understanding Depreciation 09/2000 (7) Harrisburg REALTORS Institute USPAP Update 10/2000 (7) Harrisburg REALTORS Institute Calculating Gross Living Using ANSI Standards 12/2000 (7) National Association of Independent Fee Appraiser Appraisal Forms & Reports 02/2001 (7) Harrisburg REALTORS Institute $ and Sense: Introduction to Income Approach 02/2001 (7) Harrisburg REALTORS Institute Appr. Beware Environmental & Stigma -ssues 04/2001 (7) Harrisburg REALTORS Institute Litigation Valuation (Expert Witness) 08/2001 (15) National Association of Independent Fee Appraiser Uniform Appraisal Standards for Federal Land Acquisitions 07/2002 (16) Appraisal Institute Appraising Real Estate Fraud 09/2002 (7) Harrisburg REALTORS Institute USPAP Update 09/2002 (7) Harrisburg REALTORS Institute Appr. Beware Environmental & Stigma Issues 03/2003 (7) Harrisburg REALTORS Institute Limiting Appraiser Liability Exposure 04/2003 (7) Harrisburg REALTORS Institute Distressed Property Appraisal 04/2003 (7) Harrisburg REALTORS Institute USPAP Update 05/2003 (7) Harrisburg REALTORS Institute Investment Property: Income & Expense Analysis 10/2003 (7) Harrisburg REALTORS Institute What does Fannie Mae Say 11/2004 (7) Harrisburg REALTORS Institute Photi=Fish and PA Regulations 01/2005 (7) Harrisburg REALTORS Institute The New FANNIE MAE Appraisal Report 08/2005 (7) School of Real Estate Appraising, Inc Understanding a Commercial Appraisal 02/2006 (7) Harrisburg REALTORS Institute Understanding s Commercial Document 04/2006 (7) Harrisburg REALTORS Institute National USPAP 10/2006 (7) Harrisburg REALTORS Institute Federal Banking & PA Regulations 11/2006 (7) Harrisburg REALTORS Institute Flips, Frauds & Foreclosures 12/2007 (7) Harrisburg REAL'1"ORS Institute Scope of Work 04/2007 (7) Harrisburg REALTORS Institute EMPLOYMENT HISTORY NAME ADDRESS OF EMPLOYER Miscellaneous Real Estate Harrisburg Area Miscellaneous Real Estate Harrisburg Area RE/MAX Realty Associates, Inc Camp Hill, PA Leon D. Gerlach, Appraiser Leon D. Gerlach, Appraiser Enola, PA TITLE DUTIES BATES Sales Sales 12/1983 to 12/1985 Sales/Appraiser Sales & Appraiser 12/1985 to 02/1990 Sales/Appraiser Sales & Appraiser 02/1990 to 02/1995 Appraiser/Owner Appraiser 12/1985 to 02/1995 20 to 45 Appraiser/Owner Appraiser 02/1995 to Present 100 DEVOTED TO APPRAISING 10 to 30 20 to 45 DRZAL-6F Potts Hill I File No. H0902020L ********* QUALIFICATIONS ***'`***** EXPERIENCE SUMMARY EXPERIENCE Presently: PA Associated Broker / PA Certified General Real Estate Appraiser Real Estate Sales Agent (1983-1985) Real Estate Associate Broker 1985 to Present and Appraisals 1985 -Present Over 15 years in the building industry -Owner of construction company for 10 years and worked for other construction companies in management, as an estimator, and I personally performed all types of work on residential and commercial properties. Appraisals for the purpose of first and second mortgage loans, buyers, sellers, property settlements, litigation, estates, employee transfers, eminent domain, tax appeals, divorce, partners buy out, easements, partial interest, value for owner, Appraisals for different types of properties like: vacant land, special purpose, apartments, multi-family, single family, offices, school, part of an island, mixed uses, laundry mat, car wash, sub-divisions, health clubs, day cares, churches, restaurants, bar/taverns, warehouses, retails, retail sales and services, motels, farms, gas stations, mini marts, car lots, strip mall, medical office or use and others. Being as commercial, industrial, agriculture as well as single family residential, have been made in the following counties on a regular basics: Dauphin, Cumberland, Perry, York, Lebanon, Adams and Lancaster. Also do some work in Franklin, Juniata and Snyder county on time permitting basics. Did eminent domain in these additional counties: Franklin, Fulton, Mifflin, Snyder, Berks, Lehigh, Northampton and Monroe. Other Counties only on special request. Review of various appraisals. PARTIAL APPROVED AND COMPLETED ASSIGNMENT LIST Internal Revenue Service U.S. Department of HUD /Property Disposition Branch Resolution Trust Corporation Commonwealth of Pennsylvania Department of Transportation Small Business Administration NAMI Pennsylvania Harrisburg City Annville Township Mt Holly Springs Borough Wheatfield Township Serratelli, Schiffman, Brown & Calhoon Attorney Cunningham & Chernicoff PC Attorney Morgan Hallgren, Crosswell 8~ Kane Attorney Siegrist, Koller, Brightbill, Long, & Feeman Dissinger &Dissinger Attorneys MORGAN, James G. Jr., Esquire BRENNEMAN, Keith O.- Attorney Killian & Gephart Barley, Snyder, Senft & Cohen, LLC Linton, Distasio, Adams & Palange, P.C. Messiah College Fulton Precision Inc. Herbert, Rowland & Grubic, Inc. Engineers Alpine Resorts, Inc. Palm Development, Inc. Pennsylvania Housing and Finance Agency United Way of the Capital Region Central Pennsylvania Conservancy Township of Derry Susquehanna Township Dauphin County Commissioners Knupp & Kodak Attorney James G. Morgan Esquire Mette, Evans & Woodside Attorney Saidis, Shuff, Flower & Lindsay Purcell, Krug & Haller Hanson & Ruben Hanft & Vohs GRUBS, William Lewis -Attorney Kay Dailey -Attorney Wolfington Body Company Fulton Industrial Development Association Friendship Fire Company Marder and Associates, Inc. DRZAL-6F Potts Hill I NO. flV.7VLVGVL ********* QUALIFICATIONS ********* PARTIAL APPROVED AND COMPLETED ASSIGNMENT LIST Continue Legacy Bank M & T Bank Community Bank First Union Bank Commerce Bank Sovereigh Bank Farmer Trust Bank Pennsylvania State Bank Mid Penn Bank Allfirst Bank Blue Ball National Bank First Union Bank PNC Bank Citizens Bank First National Bank of Marysville Gratz Bank Fulton Bank Eastern Savings BanE; Vartan National Bank F & M Trust Company National City Bank Prudential Bank Washington Mutual Bank Drovers Bank Pennsylvania National Bank Halifax National Bank Juniata Valley Bank Orristown Bank Portage National Bank Patriot Bank FIRST National Bank of Newport South County Bank Union Bank and Trust Company Susquehanna Valley Federal Credit Union Belco Credit Union Members 1st Federal Credit Union Utilities Employee FCU Entrust Federal Credit Union CE Federal Credit Union Equity One, Inc. GMAC Select Business Services Windsor Financial Mortgage Corporation Agents Mortgage Allstate Appraisal Review Service American Express Wells Fargo Financial Chase Manhattan Mortgage Corp. Data Search National City Mortgage Capital Mortgage Finance Corp. Statewide Mortgage Associates, Inc. For other attorney, cities, borough, townships, churches, companies, schools, clubs, government agencies and lenders not listed also for many property owner for different reasons and needs.(062007) ZONING MAP Borrower: Leo S DRZAL Estate __ File No.: Ho9o2o2oL ~ Property Address' 6F Potts Hill Road Case No.: DRZAL-6F Potts Hill Road City' Lewisberry State: PA Zip: 17339 ~"~ ^~ ~~ ~ ~ ~ , P '.` s ~~ Gi7' f'~x ~S ffF' p T ~ ~~. ~fl~~;'. t ~ *~ l J' 1 ~ ' . (~ {~ '~... , ~ ~ ~ t ~ ~~ r p ~ti ~~ :•, +~~~,' ? rat ~''. .~, ~.; ( ~ i.~a ... ~ , J ~f ~' ~ x kN .. ~ ~ ~ y .. ~ ~ R k ' ~j SqT 4 i ,~ J~ t} F ~. ~ ^:* ~~ ~ ,, x , ~' u a. ~~: 7 }~ ti ~ ' `' ~ 1,~*~ S '~ ~ .,i 1.,1,., , .~, ~ , ,,. < ~~_~~~Y ~, 1 s• ~CA~xr an .. s ~ 7 .,w , f ~1. . SY 4 i ~{ ! H ,:~ ,.T r„K ~, ~f~~~'~c ~'.v~~'tF~y ~i r6 1 :.. ~ ~~~~{1 A rr~l; }Y~,' ~ Y ' x 4s' { i1 ~ ~i ~ y 11 + F. ~ I Y' A + ~ '~~~ ~tSy~µ .vp.t 3 1 ' % 1•~ x + 4 .Y l + S • ~1'. .. ~~ ~A , . F..^+ ' j w rE' ~ ~f ~ ~ ~~ . tr 1 ' hN .. ~ ~~ ~t t Y'1f'yV('C 1 I\ ~` ~ ((~~ , C' ~ ~ ~ S t~ h I~fR Vl 9W ~ ,. ;,~'t ~ ,gar . ~ i ~ . ., ~,~,~. , ''~' ti. ux Ki:t~a : ,i ri a,, ~; r d ~ ~,3ii ~~~~ ~~~~ ~' ;~ 4 ~. ~ ~.~ a... ~. r' , d' r. ~ '~ Ct ran 7 y~v . ~' 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 ZONING INFORMATION Borrower; Leo S DRZAL Estate File No.. H09o202oL Property AddreSS:6F Potts Hill Road Case No.: DRZAL-6F Potts Hill Road City: Lewisberry State: PA Zip: 17339 Lender: DRZAL Leo Estate SECTION 3©~ R~RA~ R'ES~}l~ftCE (~Fty 302.9 PI~RPQS~ '1'h~ Canlpreti~nsitire Part r~cc~~;tz,zc.5 r~5icfr:ntirlt ~~~~,~cli~~atx~~tat and. rur~~l ~~ect,t~~atir~ns «ut;;ide cat' tltc growth area r~.s desi.r~~t~le d~vc;i.c~prxictr~ t~~ti,aras. ~~t; i~ut'pc~~t'r cif this zc~t.in~; cl;5trct is to rcc.ogt~izc atea~ cif tlle:'1""~~wns!hip tk~at have rural risc~~ir~-:es, httcl~. a,5 rural c:~t_:cu[~rtt,c;ins, agricctlturc: tinci timbering;, a~ci t~ta~c7uragc:s develop~t~sent tly.~tt i.s o~~n~p<xti;hlc ~,~rti tttc cxatural. c.t~~~ir~ntiietit: atu ruril c:hstracter t~E the To~rnslaip. i'tiE~lic: wal;cr act~c puL~la:c. s~~~u~rage; i'taao. not been t;xtt~.nci+~ci int~.~ tlacsc ~ruas arid: there is no- pen~'i:ng. rt:4.~3 lU c;~t.tid tiie utiii.tics. 'I~IYi~ d~strle:.t iti neat c~;~7l~sclCr'ici ~lr int~cgral ec~rnpc~nent v1' tkac~ Towr~sliip's gr~wii nSandge»~c:nit pl~.z~, I~~re~~~lv~:r, sc}ns.iti~~c s~aturt~l :fec7tuccys :~luc7ul~! ~~r~ protcotcd. 3QZ.2 PE~RMIT'TE~ ll:S~S :~. AC~It1:i~~JL'L'Uk,~L & 1~~~0it)EJ5'.~RX LTSF4 1. Perf~tia;ted l~v l;ti:ghi; ~.. ~g,ricult~re (5. 525.~~) (t~.~ci'udi.~ag~:a.te~ta:si,ve l~r~rc~in~ (~)per~tttait). b. Fs~r~stry ~(~. $2s.z~j, c. Ri~i~~g ~t~:t~l~s (S. ~25.53j. Ii. ~tCk~Il~.i~1'I~lL U~~, 1.. 'Yertnitted i~r}~ l~;~h:t a. C}romp :I~ozrte5. ~~. Sin.gl~:,.l~~lc~.i}v I~irt~ched .I.~weTlr~g~. ~.. LNS`~`x'I~`U'I.',f~N~~~~~ U~.~S t . Pe rt~.ittc;cl '~Y Spc~:al 1u~:~ction. ~. Plac~.~ of 'orsl~i~ (S. ~~s.~:~~. U. Private ~1uk~~.{~..~?5~~~~. i~. 1'1•~I3I.,[:~C~51~•Ctu~I~l"UB~I~ USES ~.. 1'ermi.ttccl '!~y ,k~gE~;t b. h•IL>nic~pal Ust~~. Z. PermittGCl ray Spe~:i~l ~.KC;~ption ~ . <t.. Frn.trrg~:nc;~a St'n~14.~s. E~. Lsscnii~I S~~rvic+Ks `~. ~~ZS,~.tl). ' 1. Pcri~s.ttecl by :Right ca.~ Agrieuizur~~~: ~uppt~rt Busnt:sses. b. ~'~~tr<ri:n~~rian's (~l1'ioes. 2. Ferrnitteel to}~ Sp~~eial Exeey~tit~ax NE~u~E.aRy Towws~rY~, YoaK eat,rrt~,. Prt Zan~~~ drdt:ro.ance July 25, ~0~6 ~rtole 3 - 45 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 ~ONIN~ INFORMATION Borrower: Leo S DRZAL Estate File No.. H0902020L Property Address' 6F Potts Hill Road Case No.: f7RZAL-6F Potts Hill Road City' Lewisberry State: PA Zip: 17339 Lender; DRZAL Leo Estate ~.. .~~ir~~i,~.~ ~~s~i.t~i;s ~(~, ~~~5.~.}. c;, CGreenhr~t~,~~s end I'~i~a;r~tAri;~~ ~"~. ~2,.~.~~r~• k.~rixtu;~:~ ~5. 2.~, d. :~. Perm.ttt~c~ ~~~ C`~an,;iiti.~~ra,~l IJs~ ~.. ~olzxm,~t>IiG~tl~>.n .~>ra.tc:nn~;s7 Tv~.~~~r~S, at~.i~ ~~iui~:til~nt (;.. S:LS. ]~~. 1. ~'critl:ittecl ~~ Sp~t~i~fii F..x~t~ti~.,t>G ~. Sr~ti~~t~:~:ls anc~ :~:~urr~l~~r~,~a~d;s (S. ~~~.~~~. 2. ~'er~t-aztttd b~,~ ~r~r~di,.tic~ra~ ~~ a. :~'~in.~~~I J~~cr~.ctsc~n ter ~uv~cti~ C,~p~r~tXc~:~,~ ~,~, ~'?~.~'~). Z. .~~'~Y'f131~:t~t~~ ~~'}' ~ti.~,ht ~. Lfi~~ ~u:stt~;m~criG~:~~ irYnici~n#:~E t~ !h~ ~b~ti'c p~.ax~~,itt~c~i~ u~~c.s. b. t)~a~~-~'~~re, I'~c~ccs~c~x~~, ~. .L'~.~~urtM St~r~,gc ;~~~liti~s-. ~~ ~1~~~x-~~mrn~.r~aal, l~ee~~a,~ ~.f' ~i.~rL~tc~ck. ~,~:. ~~,~.~~;~. ~. .~'~t'rt~Lttrld la~~~ ~ci~~ ~x~;+~~t~can fed ~itY~ ~rcak~~~~ :~~~~~ ~~. ~~,,~'~:. ~.. D~.y-~~>~e. F~c~~~~~~ ~S. ~~~.~ ~r ~. '~i~nn~.~c• ~7~:c:.tz~ati~ns ~S» ~~:~,~~1~i.. ~. Itt,~ra.~ CJ~ctjpat~n~ ~~i, ~~5.~~}~ 3. P~rrl~:it:teci ~~~ ~t~nditi.~n.~~l [J:~c NE'Y~/8'EdtitY' ~~t`C~YV'hkS1~TP, Y'O1~K ~~C14,~F~J"CM, P:r4 _. ,_ ~;o~tin~, C3rc~~rl~rr~~e ~Pu,~~- ~5~, 2~t~b ~r~.i~t~ , - c 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-73Z•bU51 r-ax (1 (-(:i1-titi4Ei ZONING INFORMATION Borrower: Leo S DRZAL Estate File No.: H090202oL Property Address' 6F Potts Hill Road Case No.: DRZAL-6F Potts Hill Road City' Lewisberry State: PA Zip: 17339 Lender: DRZAL Leo Estate 3a2, 3 ~pES~Gt~ S~'A~ CHARDS l p.ril~ci.~~al uscs sftall cx~ta~piY rv~t~i tiCxt; tULlc~wi~~.~: af t ~~ othena!isc~ rLl~le:d Exce . , p ,~ ..; uM - rv `.~ 1 +1~ ! ~ % ii, d,''t~11 f'.~ ky{~ ~~? tr ~~,`' 7~1~ 1,~ 7Y.'..~ 't ~ t; 1~ ° ~~'' ~-~~ i;° ~ iS ~ tp' Pf`~~ l ~~ .? v~y t~; i r } ~ t j,, v k 1 rt J ~ ~ ~ ~~ ~ ~ ~ L j , ,~ . , e' `c I:.. ~ S ~f . ?S~ L t rA ~ tx~l ~' ~ ~~~ "-'t~' ~ v .. . ry JA1g~ , r i ,~b' M1 4y,.n n A• i'Y I !~e/c~ n ~1 qµ X11' g ~ 1 4/ '. !~ `•~I, ~'t~ ~~. M ~ = £ ~ f. ,. { ~ ~~' ,I r'~ `~ ~ 1 ' ~ a ~ ~ •• iL N ti , y4 ~~yy a ]~11n1 f ~}Yh' \ C~~l` y ~ Y t ~~'4{ ~~yy ~~ r~11 ~i.+} + jr`- { \\ //~~~~,,~~,~ 1 rjl,5{4.l l~ ~. t,)~e~SJbI Z+'F~ 4, ~1.'l1~Ni~~;~11. l r[''~~`` ~J F _ a'~ c ,. ." '. t } ~ F ~1'{ , ~ ~ ` rl ~~y4M y-c 1~~. r,,ssc~r~'~~i.~ti CS lY ~,,. ~ x rrLaYltt~ F?d] ~ '~~o~i~ ~~ ~ ~ ~~ - , , , _, . ,~ ~ s .~ s ~jsc E ' . r ,., , ~M ,r a „ ~ ~s ,~ , - 4~, ~ k,nr.~s r ,~ . ," 11~tin.itttutt~ Lc}t Arca ~~?, t.2t3 sc ..ft. .._. Mini.n~LrLr~ .L.c7t ~ ~~ ~t~;ilclirt , ti~'idth Seti~~at>k Lirtc 1SU ft. ...~ - l~~:uximtusi J::~;ei ht :~~ ft. "~~ ft.' 1~4'~aXiiR]:t1F11 I.,Ut C.L~VtrI~1,r~ z(~:;%'n. """ _.,,.,,. lOC1 ft' ' S0 f't. I~~iitli.mur[i ~[l,~t. its ft. Rear ;~) fit. f} ft. Frcrviited cactY ~tru~;turc;;I~i~hc;t Ihe,~ 3.5` sfir.atl by sei: Uas:~ f~tr4 khe ncarest gCCttr r~rrcllUr rr•Itr.t~at teat. ~ .tit~lartcc ~~„al k<.i ttt, itrsi~lrr, huE in uois,tse 1~e t~ii:atecl tl+7ser tc~ art: side ar~d~crr rear I~t iine tlxart ttye re uiEed side :sn.ctror ~t~r rrtinnittnt 4ttt~~clv,. .. Nia aecrs:5at.r}• taril.rti.ng c,r tiCnrctl.trre, expcpd for't,exxt»ttc~C si,~t, slral! be t~~c;ated wtih.i.u tlae: #'rnnt y~tttl, unl~:ss i:.te ;,~:ress~ry . >r,uiE~~n * oc strut~ures 'ss u¢ bark: at test orc .truat~itecl 'lt3t~ (ecf fz~an~ !hc ytree.t rr *ht-gat'-wa ~~>lc:. 302:.4 WATER I~ND 5~W~~~t ~'A~~LI~`1~5 RE~ UCR,Ed' 1;ltilc.ss c~tkzcr4vtse S;pec:tl':i~d, ail ~ri;ncipal, notti-agric~Liturai anal L1C7[t-~c~rc•stry tLS+GS C!t• de~•cl~.~pnaer~ts ~itl~in this zun.in~ district sla~:k i~c~t be ragLtrecl t~~ con[ie•c•l tc- lat>blac ~~ratc•r acid pudic sewer ~~n,d Land ~70.IISllan.t tC1 SectA~riS G1".1. at~d ~1.k cl' thy. N~,wbl,l•r.y 'Tot~r><1~li:p tiut~divsintt L7CFrc'~t)~7ITltr[kt C~L'CC1nr1nG(:. 1,'Qr t1YtkSG' LtS~5 ~[l~ C~~~`E%1(~~1t?1~Fl~S 1'1~)t 1'~C10.).I.TI:L't 'tt7 bt; pr~~v.ideci titiL.t~l public ~~'atcr and public ~e~w~er, ~.de~:~tatc ~~-ic~t ~relf and «~z-Icyt tse~rage tiisposE~l f~tc:llttL.es L ' ` r,~,~~rL~~47ii, ti~rr,~ ~ 17~ t:l:ai, ~}r~tliz~a;=crr, ~~c"t.~~?ri~~ {~J.1 ~ri~~l f~lw ~~rt ~t.v h'~~:w t:%cts. 5~ ru~.,ac~ ~ti~itri ~~i: cc~ , . . a Subcl,~~isicn and LarYd I~evc:Jopr~t;L~k ~r,~i.nLtnce ar7d the ~r~:.1~1sF' shall h~ prc?vi~c~~l. 3(}~.a WASTt" PROD'UGTS . ll trash d>arttpster5 51ta1.1 ~e l~~cated within <~ .side. or rcas }~~ardT 5crcericd.~krcrn acijoiLiin.~ res~lds o r1 . in [n~tsonL"y ~7r ~ett~^ect cLactc~su.re ~x~~L;ppec~ ~,c~'ith a sclt- e[tclc~sec{ rvith c' letel n c ~ i , , y p ~; es, an c propert lafcltir'~g ctoc~r car date. ~ .. 3Q~.6 AGRICU'LTU3~Al.. ANU FC3'R~STRY SETBACK ~tE U!R!Elr~EN~ •-.,~ On any :sep~;rate [tc~n-agci:cultccr.al ur ncyn-iorcctryr p~lrccl, t~.o sltrul~ sl~~-11 L?e pltutt~c~ 4~~•tl7r;i tcn (J.0) tr.3e.t, nor shall an5~ t.rce lie rlant~:d ~c~:ittti:n tort}~ (:30) tee.t., r.~pt::c:i.i.vely, ~~.t` any 1<rLt~ utie~l lc~t' a~ricltlt~iral ar t«restry pua•pcases. PtEW'~£rtRY TOWf~l511XP. YORK CoWNri, Ra _ _., , zoning o~d~~anct~ Jt~t~ ~5, 24().5 ltrticte ~ - 9~ 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 ZONING INFORMATION Borrower Leo S DRZAL Estate File No.. Ho9o2o2oL Property Address: 6F Potts HIII Road Case No.: DRZAL-6F Potts Hill Road City: Lewisberry State: PA Zip: 17339 Lender: DRZAL Leo Estate 30.7 AL1~ U5~ES SC.~~,9iti.C3' T~ Q'~E~~.AY Z~1~~~~ E~lST~CCTS ,~,, ~~VE11~.~ I ~~~~~1 ~~4~3, i'f If lcaeak4d ~;t~ithn or ~f~ec:t;cd !ay ~e 1"c~ilow~,n~ c~~'er'lay clist,rcts, cievl~tc~7lytt~c:t~t r~x cLti~:S..si~ail l~t~;4..t tlae recpuire:tneuts cf ~rti.cle ~T in ~cc.t}rdax~ce s~+~itla: i. S~cti~ti '1.72 St/~t~sitivt: ~nvrc~t~rrlcnt.al lXc;~1turcy tJv.e:rkrtti~ Uistric:t. ~;, Sectica'n ~c)~ F3QOCi~l;,iit~' ~'rc.}tcc:~icltl ~?~;~er1r>ti~ ~st.ric~t.. 3. Scet.c~n ~(J~t ~er>,~c~rv.att3n :titlt~t~i~'sv~:t ~~cst~~t C)verlay Uistr:i.~t (I~t:sicielttaal drrr~~clop~n:G>~tt r~rly). 342.$ ALL USES 5U~J~CT Ta ~ENE'RA.L Alta 5U'~'P~LE~r1ENTAF~Y P~+C~w15lONS ~k. GE~NFK~iI~,~:141} ~C1~'~'~:1~~r1~~V'~`:4.i~' PIx.C~V~~1t~N~+~ Ttt cidal.t,cln to ~thcr .a~ptYC:ai~,14 scctloz~5 ~1` ~1rti~l ~~ Getie;t°,ii sand Sup~.~li;rtsctltary P't't7tirl~i.4rts,::4t~i cievelupm:E~lt car uses ~~crn~i.ite*d within tk~zs zcrtit~~; tla~~tr. ict s~~til ~tl~c7 ~.au~l r~~ w~'~ci1: 1.. Sc:ctic~lz 5Q2 ~'l~ccess~.~,ryF ~Jscs :R.~t.d Struc.ttlres. 2. SO~ctic~n 51:~:~ Uitcn~:lr~~Gt~ Sbor~t.~:e. 'i. .SeGtic~n 5[?~) ;ktGtit~irc'ti V~:~l~;ukax ,t'~L~t;.s5, 4. ~cctiutl 51.2 F'r~rk~,n~ i~~s~ulrczncnts. S. Set;tic~rt ;~'(.`~ Cuff-~4r~ct Li.~ac;~ita,~ l"~tcili:t.i~5. G, Scctrcn SJ.~ 13uffc;t`a.r~a. 7. Sectit~tt 51,5 La~dsc~i~~izlg. ~. Scctc~n 51~ S~;rcenii~~. ~. Secti;~n X17 S,i~;r~s. ] 17. Section 521. (3peratc~n~ a.nd ~'er~c.~rmartco 5t7nclards. 3~2.9~ AGf~lC~1LTURA~. l~R~~SA.t~~E ~t~SCLAt,M~~~t ~!1 lands Lvithi~~ c~:r a~i~tttin~ the ~t~r~tll~csc~ulee; Z,c~ttt~~ S~stri~t ~;;~c lr~cake:d !n an area wYterc 3.i1.T.1(1 is cssod ~t~r c;c~tilt~~r~iai a~ri~:•uitl~rai prociu~ti,u~~. C)urrl~t~:~, iosclc~rlt~, atl.~f' c}ti~,~r uses vt tiq:s. properly >T1:ty Yap sut~jt;.te+~ t~ inco~i~'~•~t~c~xc~, ~iiwscornfort, at~d the ~7c~s~'~ila~ll~~ cif arijtxry to prvp~rtr~ and healt:kt aristt~ £rcyrr~ the nc~Xr~~al tend ac:crvi~teci a~;tic~t~.1t'Ltrai pracx't~ccs ara~l c~~perat+~~s irtciucliai liut nc.it kitnteci to zlois~e, C?c~f~.r~, dust, the cap~:ratio:t~ U:t ~n~,~~c)~i;lt~;ry t}f a:ta.~ kin,ti ir~~;~ttri:it~~'> ~ir~.~a~t, thc; StClxitk'C'. Ci!]C~ C~:I.S~7l~S~1 0~ T~[Lii.Cllt7'L'•~ thc: ttp~tilicti.tic~oi tit' fcrtiiixcrs, toil tin~erldrrl~erlts, h~.rt>ic~dcs zinc! pwsticicir;s. C}~~'tj~:rs, c~ccup~~ts, ~l~,d t~scrs c~:l' tl:ai pr~pc~rt}° s~~:c:~uld ba ~r~.partcl tc~ ~lc~c.~~pt Suc":11. incat~~~enion.ct~s,. di~comfcrt attd poshihilt~}' of iixj«ty l~ro.t~i nc.~rma( a~~ricl~itwr~~l «,percitic~t~5, a>t~ a~~~ lter~k~y put c7n ~~f~:icittl nc~tic4 that ~cc.t'sc~tl ~ Uf_ Pc;rtrls}~Iv~11~1~z ~c_t 13~~ c?f' l.9~2., t}~c. R~;ht t~ Fa.rtn L<l~~', rtlay' b.lr t:ftetn irc~n~ c~t!tai~ii~~~ a legal. ,falci~ment a~;ain~t .sl~t,h. rlgrinll. <~~;~'~ult~u~i c_~pcratiran~. I~EIVBERRy 7Q'ArtJ.~ldiP, '1~URK GUUtJTY, 'PA _. _ __, darting Or'din~nc~ .7uly 25, 2006 ~+rl:icle 3 - 9F'~ 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 Leon D. Gerlach, Appraiser Commercial, Industrial ~ Residential DR7AL-6H Potts Hill R File No. H0902021 L APPRAISAL OF LOCATED AT: 6H Potts Hill Road Lewisberry, PA 17339 FOR: DRZAL Leo Estate 1293 Kingsley Road Camp Hill, PA 17011-6115 BORROWER: Leo S DRZAL Estate AS OF: February 21, 2009 BY: Leon D. Gerlach, MSA, MFLA, GAA, CCRA Pa Certified General Real Estate Appraiser w~ vves[ ~naay pane, tnoia, rH ~ lu~5-1~au rhone !1 7-73Z-5052 Fax 717-732-6646 Leon D. Gerlach, Appraiser Commercial, Industrial & Residential DRZAL-6H Potts Hill File No. H0902021 L 02/25/2009 Estate DRZAL Leo Estate 1293 Kingsley Road Camp Hill, PA 17011-6115 File Number: H0902021 L Dear Estate: In accordance with your request, I have appraised the real property at: 6H Potts Hill Road Lewisberry, PA 17339 The purpose of this appraisal is to develop an opinion of the market value of the subject property, as vacant. The property rights appraised are the fee simple interest in the site. In my opinion, the market value of the property as of February 21, 2009 is; 12,600 Twelve Thousand Six Hundred Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, limiting conditions and appropriate certifications. Respectfully Submitted, ~"' eon D. Gerlach, fvISA, MFLA, GAA, CCRA Pa Certified General Real Estate Appraiser Certification Number GA-00368-L 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 email: gerlachl@verizon.net 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 RESTRICTED USE REPORT DRZAL-6H Potts Hill Roai LAND APPRAISAL REPORT File No. H0902021L Borrower Leo S DRZAL Estate Census Tract 9280-133-209.20 _ Map Reference ADC-Y-7A3 Property Address 6H Potts Hill Road _ City Lewisberry County York State PA Zip Code 17339 Legal Description DEED REF: 1749-6798 NOT ATT PER CLIENT Newberr Townshi „ Sale Price OPINION VAL Date of Sale N/A Loan Term N/A yrs. Property Rights Appraised X Fee Leasehold De Minimus PUD Actual Real Estate Taxes $83.00 (yr.) Loan charges to be paid by seller N/A Other sale concessions Lender/Client DRZAL Leo Estate Address 1293 Kingsley Road, Camp Hill, PA 17011-6115 Occupant SAME Appraiser Leon D. Gerlach Instructions to Appraiser OPINION OF VALUE Location Urban X Suburban Rural Good Avg Fair Poor t St bilit l E ^ o ^ ^ y oymen a mp Built Up ^ Over 75% O 25% to 75% ^ Under 25% ^ Rapid X^ Steady ^ Slow Convenience to Employment ^ X^ ^ ^ Growth Rate ^ Fully Dev . Properly Values ^ Increasing O Stable ^ Declining Convenience to Shopping ^ X^ ^ ^ l ^ 0 ^ ^ t S h i s o c oo ence Demand/Supply ^ Shortage X In Balance ^ Over Supply Conven f P bli T a s o tation ^ ^ o ^ Ad ^ r n p r u c equacy o 4-8 Mos. ^ Over 8 Mos. ' Marketing Time ^ Under 3 Mos. X • resent 38 % 1 Family 6 % 2-4 Family 3 % Apts 1 % Condo 8 %Commercial Recreational Facilities ^ 0 Land Use - ° ° ° Adequacy of Utilities X ^ 1 /° Industrial 43 /° Vacant /° _ ^ ' - Properly Compatibility ^ X^ ' ) " Change in Present Land Use 0 Not Likely Likely Taking Place( tri t l Conditions ^ X^ ^ ^ D t ti f P men rom e a on ro ec (')From To ti P t Fi ^ o ^ ^ on ro ec re Predominant Occupancy ~ Owner Tenant % Vacant Police and erti f P o l A s ^ 0 ^ ^ G r p e ppearance o enera Single Family Price Range 55 to 320 Predominant Value 170 l M k t ^ ^ o ^ ar e to Single Family Age 10 yrs. to yrs. 85 Predominant Age 55 yrs. Appea Comments including those factors, favorable or unfavorable, affecting marketability (e.g. public parks, schools, view, noise) See Attached Addendum. Dimensions NO DEED PROVIDED SITE SIZE FROM TAX AS5ESSME~ =1.414 Arcres M/L Corner Lot Zoning Classification RR Rural Resource 2006 Present Improvements Do X Do Not Conform to Zoning Regulations Highest and Best Use Present Use X Other (specify) SITE SIZE IS TO SMALL TO IMPROVE Public Other (Describe) OFF-SITE IMPROVEMENTS Topo SLOPES UP TO REAR Elec. ^ TO BE PUBLIC Str.Address X^ Public ^ Private Size SMALLER THAN TYPICAL Gas ^ Surface ASPHALT Shape APPROXIMATE RECTANGULAR Water ^ Maintenance X Public Private View TYPICAL OF NEIGHBORHD San. Sewer ^ 0 Storm Sewer ^ Curb/Gutter Drainage APPEARS ADEQUATE ^ Underground Elec & Tel ^ Sidewalk ^ Street Lights Property located in a HUD identified Special Flood Hazard Area? Yes X No Comments (favorable or unfavorable including any apparent adverse easements, encroachments or other adverse conditions) THE SIZE OF THE SUBJECT PROPERTY IS TOO SMALL TO IMPROVE. MIGHT BE ABLE TO IMPROVE IF COMBINED WITH THE OWNER'S LOT NEXT TO THIS LOT. The undersigned has recited three recent sales of properties most similar and proximate to the subject and has to be considered these in the market analysis. The description includes a dollar adjusMenl, reflecting market reaction to those Items of significant variation between the subject and comparable properties. If a significant item in the comparable property is superior to, or more favorable than subject property, a minus (-) adjustment is made, thus reducing the indicated value of the subject, if a significant in the comparable is inferior to or less Favorable than the subject property, a plus (+) adjustment is made, thus increasing the indicated value of the subject. ITEM SUBJECT COMPARABLE NO. 1 COMPARABLE NO. 2 COMPARABLE N0. 3 Address 6H Potts Hill Road 153 Oak Drive 139 Old Quaker Road Siddonsbrug Road Newberr Townshi Newberr Townshi Newberr Townshi Fairview Township Proximit tosub'ect 3.9 MILES SOUTHEAST 1.8 MILES EAST 2.8 MILES WEST Sales Price 3 OPINION VAL $ 29 000 $ 85,000 $ 49,000 Price $/S . Ft. 36,708 28 239 6 363 ' Data Source VIEWING MLS/ASMT RECORDS MLS/ASMT RECORDS MLS/ASMT RECORDS - Date of Sale and DESCRIPTION DESCRIPTION +(-) Adjust. DESCRIPTION +(-) Adjust. DESCRIPTION +(-) Adjust. Time Ad'ustment OPINION VALUE 08/2008 03/2008 10/2008 Location Suburban SUPERIOR -7,300 SIMILAR SIMILAR Site/view TYPICAL OF NEIGf 0.79A -TYPICAL -600 3.01A -TYPICAL +1,600 7.7A -TYPICAL +6 300 TOPOGRAPHY SLOP UP TO RE MOSTLY LEVEL MOSTLY LEVEL SOME ROLLING +3 100 USABLE NONE TOTALLY -14 700 TOTALLY -11,300 TOTALLY -2,500 UTILITY NONE NOW WELL & PU.SE1~ -5 400 PU.WA & SEPTI -4 200 NONE NOW PRIOR SALE 08/24/2005 03/30/2000 10/02/2006 NONE LISTED Sales or Financing OTHER CONVENTIONAL CONVENTIONAL Concessions NONE KNOWN NONE KNOWN NONE KNOWN Net Ad'. Total + X - $ 28 000 + X - $ 13,900 X + - $ 6 900 Indicated Value Gross:. ?76.3 G'ross` 60:6 Gross: - 187:Q' of Sub'ect Net: -76.3 $ 8 708 .,Net -49:2 $ 14,339 Net-. 108:4. $ 13 263 comments on Market Data See Attached Addendum. Comments and Conditions of Appraisal See Attached Addendum. Final Reconciliation See Attached Addendum. I ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE SUBJECT PROPERTY AS OF February 21, 2009 __ to be 12 600 • t Appraiser Signature v Supervisor Signature (if applicable) __ Appraiser Name Leon D. Gerlach MSA MFLA GAA CCRA Supervisor Name _ Did Did Not Physically Inspect Property Date Report Signed 02/25/2009 Date Report Signed _ State Certification # GA000368L State PA State Certification # State State License # State State License # State Produced usMq ACI ~ellware, 800.29/.8727 www.aciwb.o°m LAN02 08082005 RE5TRICTED USE REPORT DRZAL-6H Potts Hill Roat LAND APPRAISAL REPORT File No. H0902021L The undersigned has recited three recent sales of properties most similar and proximate to the subject and has to be considEtred these in the market analysis. The description includes a dollar adjustment, reflecting market reaction to those items of significant variation between the subject and comparable properties. If a significant item in the comparable properly is superior to, or more favorable than subject property, a minus (-) adjustment is made, thus reducing the indicated value of the subject, if a significant in the comparable is Inferior to or less favorable than the subject property, a plus (+) adjustment is made, thus increasing the indicated value of the subject. ITEM SUBJECT COMPARABLE N0.4 COMPARABLE NO. 5 COMPARABLE NO. 6 Address 6H Potts Hill Road Newberr Townshi 565 Lishburn Road Warrin ton Townshi Proximit tosub'ect 5.4 MILES SOUTHWEST Sales Price $ OPINION VAL $ 76 000 '' "' $ $ • Price $/ . Ft. 20 652 , Data Source VIEWING MLS/ASMT RECORDS - Date of Sale and DESCRIPTION DESCRIPTION +(-) Adjust. DESCRIPTION +(-) Adjust. DESCRIPTION +(-) Adjust. ' Tlme Ad ustment OPINION VALUE 10/2008 • Location Suburban SIMILAR ___ SiteJView TYPICAL OF NEIGf 3.68A -TYPICAL +2 200 • TOPOGRAPHY SLOP UP TO RE MOSTLY LEVEL USABLE NONE TOTALLY -8 200 UTILITY NONE NOW NONE NOW PRIOR SALE 08/24/2005 NONE LISTED Sales or Financing Concessions CONVENTIONAL NONE KNOWN _ Net Ad'. Total + X - $ 6 000 + - $ + - $ Indicated Value of Sub~ect Gross: 50:4 Net. -29:1 $ 14 652 Gross: ;Net. ' ' $ Gross .Net. $ Comments on Market Data SEE ATTACHE D ADDENDUM Produced using ACI so8wxe, 800.274.8727 www.aciweb.com lAND2 06062005 ennGntnt tnn Borrower: Leo S DRZAL Estate File No.: H0902021 L Property Address: 6H Potts HIII Road Case tJo.: DRZAL-6H Potts Hill Road City Lewisberry State: PA Zip: 17339 Lender: DRZAL Leo Estate Neighborhood Comments This Newberry Township neighborhood is comprised primarily of properties reflecting similar quality, maintenance, design and appeal, and marketability to the subject property. Availability for this neighborhood, of most public services combined with average access to employment, shopping, and schools gives it a similar appeal to the market as other nearby neighborhoods. No unfavorable factor was observed which would adversely affect marketability. SCOPE OF WORK Viewed the subject property from the exterior only to note the characteristics of the property that are relevant to its valuation. Clarification of Intended Use and Intended User: The Intended User of this appraisal report is the Lender/Client. The Intended Use is to evaluate the property that is the subject of this appraisal for a mortgage finance transaction, subject to the stated Scope of Work, purpose of the appraisal, reporting requirements of this appraisal report form, and Definition of Market Value. No additional Intended Users or Intended Uses are identified by the appraiser. The Intended User of this appraisal report is the Client. The Intended Use is to evaluate the property that is the subject of this appraisal for a opinion of value, subject to the stated Scope of Work, purpose of the appraisal, reporting requirements of this appraisal report form, and Definition of Market Value. No additional Intended Users or Intended Uses are identified by the appraiser. The appraiser's investigation did include research the York MLS Service, Central Penn MLS Service, York, County STEB Report, Broker's available information and appraiser's data base for the past 12 months for comparable sales, listing (mostly for general information), rentals if needed and other data on similar properties to the subject property. Search Parameters such as date of sales, leases, location sizes, types of properties and distances from the subject property did start with relatively narrow constraints and if necessary, be expanded until the appraiser has either retrieved data sufficient (in the appraisers's opinion) to form an opinion of market value, or until the appraiser believes that he has reasonable exhausted the available pool of data. The researched comparable data was viewed and if found appropriate, efforts was made to verify the data used in this report is from the York County lax Assessment office, York County STEB Report, Appraiser's Data Base, with a persons directly involved in the transactions such as buyers, sellers, brokers or agents some other sources or the owner. The appraiser did report only the data deemed to be pertinent to the valuation problem. Did investigate and analyze any pertinent easements or restrictions, on the fee simple ownership of the subject property. It is the client's responsibility to supply the appraiser with a deed and/or title report. If a deed and/or title search is not available, the appraiser did rely on a visual viewing and identify any readily apparent easements or restrictions. Did analyze the data found and reach conclusions regarding the market value, as defined in the report, of the subject property as of the date of value using appropriate valuation approach (es) indicated in the report. Did prepare the appraisal in compliance with the Uniform Standards of Professional Appraisal Practice as promulgated by The appraisal Foundation and Code of Professional Ethics and Certification Standards of my memberships and the Certification Appraisal Board of PA. Will not be responsible for ascertaining the existence of any toxic waste or other contamination present on or off site. The appraiser did, however, report any indications of toxic waste or contaminants that may effect value if they are readily apparent during appraiser's investigations. Appraiser cautions the user of the report that the appraiser is not an expert in such matters and that the appraiser may overlook contamination that might be readily apparent to parties who are experts to such matters. Did prepare a Summary Appraisal Report, as defined in USPAP, which did include photographs of the subject property, description of the subject neighborhood, the site, any improvements on the site, a description of the zoning, a highest and best use analysis, a summary of most important comparables used in the appraiser's valuation, a reconciliation and conclusion, a map illustrating the comparables in relationship to the subject property, and other data deemed by the appraiser to be relevant to the assignment. Pertinent data and analyses not included in the report may be retained in the appraiser's file. Comments on Sales Comparison After a thorough search of all available market data the four sales used are considered to be the best indicators of value. All four sales were considered to be weighted similarly in the final reconciliation of value. comparables used are closed sales. LOCATION -Sales comparable #1 is located within a sub division so an adjustment was made for the location. SITE SIZE -Sales comparable #1 is smaller and sales comparables #2,3,4 are larger then the subject property so adjustments were made for the difference in site size and usable area. TOPOGRAPHY -Sales comparable #3 has some more slope so an adjustment was made for the difference. USABLE AREA -The subject property is not large enough for an improvement per the local current zoning so adjustments weer made for the differences. UTILITY -The subject and sales comparables #3,4 have none now, sales comparable #1 has public sewer and sales comparable #2 has public water so adjustments were made for the differences. All other adjustments are self explanatory. If there was no adjustment made it is because the market did not show an Addendum Page 1 of 2 ennGAlnl IM Borrower: Leo S DRZAL Estate File No.: H0902021 L Property Address• 6H Potts Hill Road Case (Jo.: DRZAL-6H Potts Hill Road City Lewisberry State: PA Zip: 17339 Lender: DRZAL Leo Estate adjustment should be made. The amount of the adjustments are from the information from the market. COMPARISON COMMENTS It is noted that comparable No(s). _1,4_ are located more than: ()One mile for urban location. i (X) Three miles for suburban location. ()Five miles for rural location from the subject. These comparables sales were selected after a thorough search of the area. They are located in a neighborhood similar to the subject, and are considered to be the best comparable sales available at the time of this report. It is noted that comparable No(s). _2_ occurred over six months prior to the appraisal date. These comparable sales were selected after a search of the area and are considered to be the best available at the time of this report. It is better to go a little further back in time sometimes than to go further away from the subject property. Condition of Appraisal Comments THIS REPORT WAS PREPARED FOR THE ESTATE OF THE PERSON LISTED IN THIS REPORT AS AN OPINION OF MARKET VALUE OF THE REAL ESTATE LISTED IN THIS REPORT AND NOT TO BE USED BY THE ESTATE FOR ANY OTHER PURPOSE AND NOT TO BE USED FOR A LENDING DECISION. Final Reconciliation The Market Approach is considered to be the best indicator for an opinion of market value for this type of property and is given greatest weight in this report. The comparable sales are felt to provide reasonably good support for a final opinion of market value. The Income Approach was not used due to the lack of similar type land properties rentals. The Cost Approach is not used on land only properties. Addendum Page 2 of 2 DRZAL-6H Potts Hill File No. H0902021 L DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he considers his own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions' granted by anyone associated with the sale. "Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the Appraiser's judgment. STATEMENT OF 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: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of it being under responsible ownership, 2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand. 5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if they are 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 of the subject property or that he or she became aware of during the normal research involved in .performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden or unapparent conditions of the property or adverse environmental conditions (including the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied, regarding the condition of the property. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist, Because the appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment of the property. 7. The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that he or she considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such items that were furnished by other parties. 8. The appraiser will not disclose the contents of the appraisal report except as 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 satisfactory completion, repairs, or alterations on the assumption that completion of the improvements will be performed in a workmanlike manner. 10. The appraiser must provide his or her prior written consent before the lender/client specified in the appraisal report can distribute the appraisal report (including conclusions about the property value, the appraiser's identity and professional designations, and references to any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the mortgagee or its successors and assigns; the mortgage insurer; consultants; professional appraisal organizations; any state or federally approved financial institution; or any department, agency, or instrumentality of the United States or any state or the District of Columbia; except that the lender/client may distribute the property description section of the report only to data collection or reporting service(s) without having to obtain the appraiser's prior written consent. The appraiser's written consent and approval must also be obtained before the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media. Vacant Land Page 1 of 2 DRZAL-6H Potts Hill File No. H0902021 L APPRAISERS CERTIFICATION: The Appraiser certifies and agrees that: 1. I have researched the subject market area and 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 significant item in a comparable property is superior to , or 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 a comparable property is inferior to, or less favorable than the subject property, I have made a positive adjustment to increase the adjusted sales price of the comparable. 2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the appraisal report. I have not knowingly withheld any significant information from the appraisal report and I believe, to the best of my knowledge, that all statements and information in the appraisal report are true and correct. 3. I stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the contingent and Limiting Conditions specified in this form. 4. I have no present or prospective interest in the property that is the subject to this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or the estimate of market value in the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property. 5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my compensation for performing this appraisal is contingent on the appraised value of the property. 6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party, the amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my compensation and/or employment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation, a specific valuation, or the need to approve a specific mortgage loan. 7. I performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the effective date of this appraisal, with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable time for exposure in the open market is a condition in the definition of market value and the estimate I developed is consistent with the marketing time noted in the neighborhood section of this report, unless I have otherwise stated in the reconciliation section. 8. I have personally inspected the subject property and the exterior of all properties listed as comparables in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject improvements, on the subject site, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustments for these adverse conditions in my analysis of the property value to the extent that I had market evidence to support them. I have also commented about the effect of the adverse conditions on the marketability of the subject property. 9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on significant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal report, I have named such individual(s) and disclosed the specific tasks performed by them in the reconciliation section of this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in the report; therefore, if an unauthorized change is made to the appraisal report, I will take no responsibility for it. SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he or she certifies and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications nurnbered 4 through 7 above, and am taking full responsibility for the appraisal and the appraisal report. ADDRESS OF PROPERTY APPRAISED: 6H Potts Hill Road, Lewisberry, PA, 17339 APPRAISER: SUPERVISORY APPRAISER (only if required) Signature: __.. ~ ~~d~'c--'~-~ Name: Leon D. Gerlach, MSA, MFLA, GAA, CCRA Date Signed: 02/25/2009 State Certification #: GA000368L or State License #: State: PA Expiration Date of Certification or License: 06/30/2009 Signature: Name: Date Signed: State Certification #: or State License #: State: Expiration Date of Certification or License: ^ Did ^ Did Not Inspect Property Pa Certified General Real Estate Appraiser ADDITIONAL CERTIFICATION AND LIMITED CONDITIONS ~ Vacant Land Page 2 of 2 DRZAL-6H Potts Hill File No. H0902021 L ADDITIONAL CONTINGENT -LIMITED CONDITIONS -CERTIFICATIONS -- This report was prepared for the client named in this report and the fee charged was for the preparation of this report only. If the client named in this report gives a copy of this report and/or gives written consent to a third party and the third party of this report wants a consultation of this report, with the appraiser, there will be a consultation fee to the third party which must be paid prior to any consultation with the appraiser. -- The comparable properties data relied upon in this report is believed to be from reliable sources, however, it was not possible to inspect the comparable properties completely, and it was necessary to rely on information furnished by others as to said data, condition, therefore, the value conclusions are subject to the correctness and verification of said data. -- The appraiser has inspected, as far as possible, by observation, the land and the improvements thereon, however, this is not to be considered a property inspection and it was not possible to personally observe conditions beneath the soil or hidden structural components within the improvements, therefore, no representations or guarantee of condition are made herein as to these matters and unless specifically considered in this report, the value estimate is subject to any such conditions that could cause a loss in value. Condition of heating, cooling, ventilation, electrical, plumbing and other equipment is considered to be commensurate with the condition of the balance of the improvements unless otherwise stated. -- All furnishings and equipment, except those specifically indicated and typically considered as a part of real estate, have been disregarded by the appraiser. Only the real estate has been considered. -- The appraiser has provided a sketch in this report to show approximate dimensions of the improvements, and the sketch is included only to assist the reader of this report in visualizing the property and understanding the appraiser's determination of the size. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantee, express or implied, regarding this determination. -- I certify that, to the best of my knowledge and belief, the reported analyses, opinions and conclusions were developed, and this report has been prepared, in conformity with the requirements of the Code of Professional Ethics and the Standards of Professional Appraisal Practice of my current memberships. -- I certify that the use of this report is subject to the requirements of my current memberships relating to review by its duly authorized representatives. -- As of the date of this report, I Leon D. Gerlach have completed the requirements of the continuing education program of my current memberships. -- AVERAGE, SIMILAR, STANDARD &/OR TYPICAL as used in this report, is that the property is standard for the style, type, size and value for the subject property and/or the comparable sales properties. -- Every subject property cannot always be compared to "ideal" comparable sales. The appraiser must choose the best sales available from the search of market information, which meet the best underwriting standards possible. The appraiser has made every adjustment of line items on the grids as per the information available from the market data, according to the guidelines established by the professional appraisal association, of which this appraiser is affiliated, the Appraisal Institute. -- NOTE -The electronic Digital Photos in this report have not been altered in any way as to change the information of the photos. There is sometimes a need to lighten or darken the photo for clarity only. -- NOTE -The Digitalized Signature(s) affixed on this report, and certification, were applied by the original appraiser(s) or supervisory appraiser and represent their acknowledgements of the facts, opinions and conclusions found in the report. Each appraiser(s) applied his or her signature electronically using a password encrypted method.. The appraiser excepts no responsibility or liability for any change(s) made to the appraiser's original report sent by electronic means in any format. -- NOTE -The current Uniform Standards of Professional Appraisal Practice defines the market value conclusion as an opinion of market value and not an estimate of market value. -- NOTE -The subject property is to be in a marketable condition for this report to apply or as other condition maybe stated in this report Thla lam wu protlucad M tM ACI Davelopmanl RepWFUma ayalam (E00) 20I~B727 1xI 02101/2001 Leon D. Gerlach, Appraiser SUBJECT PROPERTY PHOTO ADDENDUM Borrower: Leo S DRZAL Estate File No.: H0902021 L Property Address:6H Potts Hill Road Case No.: DRZAL-6H Potts Hill Road City: Lewisberry State: PA Zip: 17339 Lender: DRZAL Leo Estate FRONT VIEW OF SUBJECT PROPERTY Appraised Date: February 21, 2009 Appraised Value: $12,600 REAR VIEW OF SUBJECT PROPERTY STREET SCENE PLAT MAP Borrower: Leo S DRZAL Estate __ _._~ _ ile No~:_ H0902021 L Property Address' 6H Potts Hill Road CasE; No.: DRZAL-6H Potts Hill Road City' Lewisberry State: PA - Zip: 17339 Lender: DRZAL Leo Estate ' r~ ~ ~, `~ ~~ ~~ ~' ~~ fry, ' ~? ~-?f ,~1 rY~1 1~`- h ,~`'~.1 _ ~-~a ~ ~~~ ~~ ~ _ .. J~r_I L .I ~ \ f. ; r " ~1 . ~ f ~ i '' ~ ~k ~~' , ~J' ,,,,mss ,+,^' i~J_' ~i~~ ^~ ~ ~~ ~ -1.y ~'~ ~ .., ` .: .• ,.r.. .:. vC. ~ l ..r».- Y .y .. :c." 1 w...... ti .m ..._......~ ~1A f ~ ~~ /jyJ~ .~ ~ 'ti. v ' ar ~r' 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 LOCATION MAP Borrower: Leo S DRZAL Estate File No.: H0902021 L Property Address: 6H Potts Hill Road Case No.: DRZAL-6H Potts Hill Road City: Lewisberry State: PA Zip: 17339 Lender: DRZAL Leo Estate 9 ~ c w~ RAllende e a ~ ~ K J . 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Street Atlas USAL~I 2007 Plus. 0 '%i 1 1'/i 2 2'%z www.delorme.com MN (11.2° W) Data Zoom 11-0 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 COMPARABLE PROPERTY PHOTO ADDENDUM Borrower: Leo S DRZAL Estate File No,: H0902021 L Property Address; 6H Potts Hill Road Case No.: DRZAL-6H Potts Hill Road City: Lewisberry State: PA Zip: 17339 Lender: DRZAL Leo Estate ~~a9 r ~ : ~~ ~ ~ I r ., S. ~ ~ , , ~ . 'A••'rT ~ r .,,, y t a~~ ,. r• i :~~ Y-~. ~ ~ ~e e , vi r i .d:.,' f~ . ' ~, ~ :.., ~ ,_» AM ¢~ ~ a. COMPARABLE SALE #1 153 Oak Drive Newberry Township Sale Date: 08/2008 Sale Price; $ 29,000 COMPARABLE SALE #2 139 Old Quaker Road Newberry Township Sale Date: 0312008 Sale Price: $ 85,000 COMPARABLE SALE #3 Siddonsbrug Road Fairview Township Sale Date; 10/2008 Sale Price: $ 49,000 COMPARABLE PROPERTY PHOTO ADDENDUM Borrower: Leo S DRZAL Estate File Na.: H0902021 L Property Address:6H Potts Hill Road Case No.: DRZAL-6H Potts Hill Road City: Lewisberry State; PA Zip: 17339 Lender: DRZAL Leo Estate COMPARABLE SALE #d 565 Lishburn Road Warrington Township Sale Date: 10/2008 Sale Price: $ 76,000 COMPARABLE SALE #5 Sale pate: Sale Price: $ COMPARABLE SALE #6 Sale Date: Sale Price: $ RESTRICTED USE REPORT MULTI-PURPOSE SUPPLEMENTAL ADDENDUM DRZAL-6H Potts Hill R FOR FEDERALLY RELATED TRANSACTIONS H0902021 L BorrowerlClient Leo S DRZAL Estate Property Address 6H Potts Hill Road C(ty Lewisberry County York State PA Zip Code 17339 Lender DRZAL Leo Estate This Multi-Purpose Supplemental Addendum for Federally Related Transactions was designed to provide the appraiser with a con- venient way to comply with the current appraisal standards and requirements of the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of Currency (OCC), The Office of Thrift Supervision (OTS), the Resolution Trust Corporation (RTC) and the Federal Reserve. This Mutti-Purpose Supplemental Addendum is for use with any appraisal. Only those statements which have been checked by the appraiser apply to the property being appraised. The purpose of the appraisal is to estimate the market value of the subject property as defined herein. The function of the appraisal is to assist the above-named Lender in evaluating the subject property for lending purposes. This is a federally related transaction. The appraisal is based on the information gathered by the appraiser from public records, other identified sources, inspection of the The ongfinal source of the com- arable sales within the subject market area hborhood and selection of com ert and nei subject ro . , y g p p p parables is shown in the Data Source section of the market grid along with the source of confirmation, if available. The original source is resented first. The sources and data are considered reliable. When conflicting information was provided, the source deemed most reliable has been used. Data believed to be unreliable was not included in the report nor used as a basis for the value conclusion. ^ The Reproduction Cost Is based on supplemented by the appraiser's knowledge of the local market. ^ Physical depreciation is based on the estimated effective age of the subject property. Functional and/or external depreciation, if present, is specifically addressed in the appraisal report or other addenda. In estimating the site value, the appraiser has relied on personal knowledge of the local market. This knowledge is based on prior and/or current analysis of site sales and/or abstraction of site values from sales of improved properties. ^ The sub11'ect property is located in an area of primarily owner-occupied single family residences and the Income Approach is not consi- dered to be meaningful. For this reason, the Income Approach was not used. ^ The Estimated Market Rent and Gross Rent Multiplier utilized in the Income Approach are based on the appraiser's knowledge of the subject market area. The rental knowledge is based on prior and/or current rental rate surveys of residential properties. The Gross Rent Multiplier is based on prior and/or current analysis of prices and market rates for residential properties. ^ For income producing properties, actual rents, vacancies and expenses have been reported and analyzed. They have been used to pro- ject future rents, vacancies and expenses. X .. ~ . ~ - • • ~ • According to THE LOCAL MULTILISTING SERVICE the subject property; 0 has not been offered for sale in the past: 30 days 1 year X 3 years Other is currently offered for sale for $ was offered for sage within the past: 30 days ^ 1 year ^ 3 years ^ Other - for $ Offering information was considered in the final reconciliation of value. Offering information was not considered in the final reconciliation of value. ^ Offering information was not available. The reasons for unavailability and the steps taken by the appraiser are explained later in this addendum. According to TAX ASSESSMENT & LOCAL MULTILISTING SERVICE the subject property; 0 has not transferred in the past 1 year X 3 years Other ^ has transferred in the past ^ 1 year ^ 3 years ^ Other o All prior sales which have occurred in the past months or years are listed below and reconciled to the appraised value, either in the body of the report or in the addenda. Date Sales Price Document # Seller Bu er X ~ • • ~ ~ ~ ' ~ ~ . O Subject property is not located in a FEMA Special Flood Hazard Area. Q SubJect property is located in a FEMA Special Flood Hazard Area. Zone FEMA Ma /Panei# Ma Date Name of Community c 422226-0005b 07/02/1980 nEWBERRY tOWNSHIP The community does not participate in the National Flood Insurance Program. The community does participate in the National Flood Insurance Program. It is covered by a regular program. It is covered by an emergency program. Produced ueNq ACI eollwre, A00.23/.8127 www.eehve6.com mp~a0~ DRZAL-6H Potts Hill R RESTRICTED USE REPORT H0902021 L X •• 1 ~ ~ X The subject property is currently not under contract. The contract and/or esaow instructions were not available for review. The unavailability of the contract is explained later in the addenda section. The contract and/or escrow instructions were reviewed.The following summarizes the contract: Contract Date Amendment Date Contract Price Seiler ^ The contract indicated that personal property was not included in the sale. ^ The contract indicated that personal property was included. It consisted of Estimated contributory value is $ Personal property was not included in the final value estimate. Personal property was included in the final value estimate. The contract indicated no financing concessions or other Incentives. The contract indicated the following concessions or incentives: ^ If concessions or incentives exist, the comparables were checked for similar concessions and appropriate adjustments were made, if applicable, so that the final value conclusion is in compliance with the Market Value defined herein. X ~ ~ 3 to 6 months is considered a reasonable marketing period for the subject property based on THE LOCAL MULTILISTING SERVICE X ~~~ ~ ~ • The Appraiser certifies and agrees that: (1) Their analyses, opinions and conclusions were developed, and this report was prepared, in conformity with the Uniform Standards of Professional Appraisal Practice ("USPAP"), except that the Departure Provision of the USPAP does not apply. (2) Their compensation is not contingent upon the reporting of predetermined value or d~ection in value that favors the cause of the client, the amount of the value estimate, the attainment of a stipulated result, or the occurrence of a subsequent event. (3) This appraisal assignment was not based on the requested minimum valuation, a specific valuation, or the approval of a loan. X ~~~ • ~ '• • ~ • The value estimated is based on the assumption that the property is not negatively affected by the existence of hazardous substances or detrimental environmental conditions unless otherwise stated in this report. The appraiser is not an expert in the ident~cation of hazardous substances or detrimental environmental conditions. The appraiser's routine inspection of and inquiries about the subject property did not develop any information that indicated any apparent significant hazardous substances or detrimental environmental conditions which would affect the property negatively unless otherwise stated in this report. It is possible that tests and inspections made by a qualified hazardous substance and environmental expert would reveal the existence of hazardous substances or detrimental environmental conditions on or around the property that would negatively affect its value. ~~~ ~ ~ • Appraiser's Signature C~, ~ Effective Date 02/21/2009 Appraiser's Name (print) Leon D. Gerlach MSA MFLA GAA Phone # (717 )732-5052 Date Prepared 02/25/2009 State PA License X Certification # GA000368L Tax ID # 25-1684027 ~ ~...~ ~ • ^ The co-signing appraiser has personally inspected the subject property, both inside and out, and has made an exterior inspection of all comparable sales listed in the report. The report was prepared by the appraiser under direct supervision of the co-signing appraiser. The co-signing appraiser accepts responsibility for the contents of the report including the value conclusions and the limiting conditions, and confirms that the certifications apply fully to the co-signing appraiser The co-signing appraiser has not personally inspected the interior of the subject property and: has not inspected the exterior of the subject property and all comparable sales listed in the report. has Inspected the exterior of the subject property and all comparable sales listed in the report. The report was prepared by the appraiser under direct supervision of the co-signing appraiser. The co-signing appraiser accepts responsibility for the contents of the report, including the value conclusions and the limiting conditions, and confirms that the certifications apply fully to the co-signing appraiser with the exception of the certification regarding physical inspections. The above describes a level of inspection performed by co-signing appraiser. ^ The co-signing appraiser's level of inspection, involvement in the appraisal process and certification are covered elsewhere in the addenda section of this appraisal. Co-Signing Appraiser's Signature Effective Date Appraiser's Name (print) Phone # ( ) Date Prepared State License Certification # Tax ID # Produced ueNp ACI wllwra, 800.2J1.l727 xww.aoW.~b.eom mps~02 RESTRICTED USE REPORT USPAP COMPLIANCE ADDENDUM File No. H0902021 L Borrower Leo S DRZAL Estate Order # Property Address 6H Potts Hill Road City Lewisberry County York State PA Zip Code 17339 Lender/Client DRZAL Leo Estate Client Reference # DRZAL-6H Potts Hill Road Only those Items checked I XJbelow~ply to this report. t PURPOSE FUNCTION AND INTENDED+USE OI+';TI3E 'APPRAISAL. ,° ' '~ ~ '` - ,' __ ,. ,... ~,., . _ ~.. „. Q The purpose of the appraisal is to provide an opinion of market value of the subject property as defined in this report, on behalf of the appraisal company facilitating the assignment for the referenced client as the intended user of the report. The only function of the appraisal is to assist the client mentioned in this report in evaluating the subject property for lending purposes. The use of this appraisal by anyone other than the stated intended user, or for any other use than the stated intended use, is prohibited. The purpose of the appraisal is to provide an opinion of market value of the subject property, as defined in this report, on behalf of the appraisal company facilitating the assignment for the referenced client as the intended user of this report. The only function of the appraisal is to assist the client mentioned in this report in evaluating the subject property Real Estate Owned (REO) purposes. The use of this appraisal by anyone other than the stated intended user, or for any other use than the stated intended use, is prohibited. The purpose of this appraisal is to , on behalf of the appraisal company facilitating the assignment for the referenced client as the intends user o t is report. ~e on y unction o the appraisal is to assist the client mentioned in this report in evaluating the subject property for .The use of this appraisal by anyone other than the stated intended user, or for any other use than the state ~nten a use is pro i tte . TYPE' OF,APPRAISAL AND APPRAISAL''REPORT = ~ ~ ' -. Q This is a COMPLETE Appraisal written in a RESTRICTED Report format and the USPAP Departure Rule has not been invoked. Phis is a Limited Appraisal written in a Report format and the USPAP Departure Rule has been invoked as disclosed in the body or addenda of the report. The client has agreed that a Limited Appraisal is sufficient for its purposes. SCOPE-(EXTENT) OFI2EPORT , ~ .r ,z " o 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, listings, and/or rentals within the subject market area. The original source of the comparables is shown in the Data Source section of the market grid along with the source of confirmation, if available. The original source is presented first. The sources and data arc considered reliable. When conflicting information was provided, the source deemed most reliable has been used. Data believed to be unreliable was not included in the report nor used as a basis for the value conclusion. The extent of analysis applied to this assignment may be further imparted within the report, the Appraiser's Certification below and/or any other Statement of Limiting Conditions and Appraiser's Certification such as may be utilized within the Freddie Mac form 439 or Fannie Mae form 10046 (dated 6/93), when applicable. MARKETING TIME.ANA'EXPOSURE~'I'IME FOI2'~'HE~$UB~~1 P120I']r~TY,;,, ~ ;r{ ra ''N`~~'~~n"~>~~~~"f {~~ D A reasonable marketing time for the subject property is 3 to 6 MOn day(s) utilizing market conditions pertinent to the appraisal assignment. A reasonable exposure time for the subject property is day(s). APPRAISER'S1CERTIFICATION { I certify that, to the best of my knowledge and belief: - 7'he statements of fact contained itt this report are true and correct. - The reported analyses, opinions, and conclustions are limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. - [have no present or prospective interest in the property that is the subject of this report, and no personal interest with respect to the parties involved, unless otherwise stated within the report. - I have no bias with respect to the property that is the subject of this report or to the parties involved with this assignment. - My engagement in this assignment was not contingent upon developing or reporting predetermined results. - My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. - My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice. - I have XO or have not ^ made a personal inspection of the property that is the subject of this report. (if more than one person signs this report, this certification must clearly specify which individuals did and which individuals did not make a personal inspection of the appraisal property.) - No one provided significant real property appraisal assistance to the person signing this certification. (If there are exceptions, the name of each individual providing significant professional assistance must be stated.) NOTE: In the case of any conflict with a client provided certification (i.e., Fannie Mae or Freddie Mac), this revised certification shall take precedence. - Supervisory Appraiser's Certi[tcatlon: If a supervisory appraiser signed the appraisal report, he or she certifies and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 2-7 and 9 on the second page of Freddie Mac Form 439 6-93/Fannie Mae Form 1004B 6-93, or the third page of Form 2055, and am taking full responsibility for the appraisal report. e , APPRAISER'S AND SUPERVISORY APERAISER'S'SIGNATURE ~ ~ ~, r ',~, t•~;,. APPRAISER: ~ SUPERVISORY APPRAISER (only if required): Si6nature: Name: Leon D. Gerlach MSA MFLA GAA CCRA Date the Report was Signed:02/25/2009 State Certification #: GA000368L or State License #: Statc: PA Expiration Date of Certification or License: 06/30/2009 Expiration Date of Certification or License Did inspect subject property Interior & Exterior Exterior only USPAP Compliance Addendum • Rev. SI01 l Of l Produced using ACI eo8were, 800.234.8727 vmw.,lclWe6.com St6nature: Name: Date the Report was Signed: State Certification #: or State License #: State: Inspected Comparables Interior & Exterior Exterior only uspap0l DRZAL-6H Potts Hill rue No. nuav~u~ i ~ ********* QUALIFICATIONS ********* APPRAISER RESUME NAME OF APPRAISER: Leon D. Gerlach FIRM NAME: Leon D. Gerlach, Appraiser BUSINESS ADDRESS 305 West Shady Lane, Enola, PA 17025-2240 PHONE 71-1-732-5052 FAX 717-732-6646 email gerlachl@verizon.net PROFESSIONAL MEMBERSHIPS, DESIGNATIONS AND CERTIFICATIONS Pennsylvania CERTIFIED GENERAL REAL ESTATE APPRAISER Certification Number GA-000368-L (PaCGREA-#368) 10/10/101991 National Assoclation of Real Estate Appraisers in 01/1989 CCRA #27317 Certified Commercial Real Estate Appraiser National Association of REALTORS Real Estate Appraisal Section in 07/1994 GAA General Accredited Appraiser National Association of Independent Fee Appraisers in 1998 Master Appraisers in 05/1999 MSA Master Senior Appraiser MFLA Master Farm 8~ Land Appraiser Greater Harrisburg Association of REALTORS in 1983 Associate Broker AB-048052-L in 12/1955 Greater Harrisburg Assoclation of REALTORS -Appraisal Council 1991 to Present Pennsylvania Association of REALTORS in 1983 EDUCATION PROFESSIONAL & TECHNICAL (APPRAISAL) COURSES SATISFACTORILY COMPLETED COURSE TITLE (tested) DATE (Hours) Real Estate Law0 06/1986 (30) Real Estate Appraising 12/1986 (30) Real Estate Management 06/1987 (30) Appraisal 09/1988 (30) Standards of Professional Practice 02/1991 (15) Appraisal of income Producing Property 0.3/1991 (30) Appraisal Course #3-Sales Comparison 05/1991 (16) Appraisal Course #1-Basics of Appraisal 05/1991 (16) Appraisal Course #5-Appraisal Standard/Ethics 08/1991 (16) Appraisal Course #4-Cost & Income 08/1991 (16) Appraisal Course #2-Real Estate Analysis 09/1991 (16) Uniform Standard of Professional Appraisal Practice (USPAP) 02/1993 (16) Appraisal Course #7-Intro to Commercial 04/1992 (16) 1410 Standards of Professional Practice Part A 02/1993 (16) 1110 Appraisal Principals 02/1993 (39) 1120 Appraisal Procedures 03/1993 (39) 11420 Standards of Professional Practice Part B 05/1993 (11) 1210 Residential Case Study 05/1993 (39) 11500 Advance Residential Form & Narrative 07/1993 (39) 1310 Basic Income Capitalization 09/1995 (39) 1510 Advance Income Capitalization 10/1995 (39) Marshall & Swift Cost Approach Residential 10/1995 (7) Marshall & Swift Cost Approach Commercial 10/1995 (7) 1410 Standards of Professional Practice Part A 03/1997 (16) 1420 Standards of Professional Practice Part B 03/1997 (11) Farm & Land 06/1998 (16) Commercial Investment Appraisal 06/2004 (15) Financial Analysis of Income Property 06/2004 (15) National USPAP Course 09/2004 (15) Direct Capitalization of Income Property 12/2004 (15) Yield Capitalization of Income Property 12/2004 (15) National USPAP Course 08/2006 (15) Condemnation Appraising: Basic Principles & Applications 12/2006 (15) Condemnation Appraising: Advanced Topics & Applications 03/2007 (15) SPONSORING ORGANIZATION Harrisburg Area Community College Harrisburg Area Community College Harrisburg Area Community College The Institute of Real Estate Studies York County Real Estate Training Center The Institute of Real Estate Studies National Association of REALTORS National Association of REALTORS National Association of REALTORS National Association of REALTORS National Association of REALTORS Appraisal Institute National Association of REALTORS Appraisal Institute Appraisal Institute Appraisal Institute Appraisal Institute Appraisal Institute Appraisal Institute Appraisal Institute Appraisal Institute York County Association of REALTORS York County Association of REALTORS Appraisal Institute Appraisal Institute Lincoln Graduate Center Lincoln Graduate Center Lincoln Graduate Center Lincoln Graduate Center Lincoln Graduate Center Lincoln Graduate Center Lincoln Graduate Center Appraisal Institute Appraisal Institute DRZAL-6H Potts Hill me no, nuaucvc i ~ ********* QUALIFICATIONS ********* EDUCATION Continue APPRAISAL CONFERENCES, SEMINARS, CLINICS AND CONTINUE EDUCATION ATTENDED ACTIVITY OR COURSE TITLE DATES (Hours) SPONSORING ORGANIZATION Exam Prep-Residential Appraisal Certification 05/1991 (15) Appraisal Institute Exam Prep-General Appraisal Certification 06/1991 (15) Appraisal Institute USPAP Update 01/1995 (4) Greater Harrisburg REALTORS Institute Environmental Risk Management 04/1995 (16) Greater Harrisburg REALTORS Institute Commercial Investment Real Estate Analysis 12/1996 (7) Harrisburg REALTORS Institute The FHA Appraisal 12/1996 (3) School of Real Estate Appraising, Inc Appraiser's Legal Liabilities 04/1997 (7) Appraisal Institute Alternative Residential Reporting Forms 05/1997 (7) Appraisal Institute Valuation of Leased Fee Interests 09/1997 (7) Appraisal Institute Valuation of Leasehold Interest 09/1997 (7) Appraisal Institute Rates, Ratios & Reasonableness 10!1997 (7) Appraisal Institute Automated Valuation Models 10/1997 (7) Appraisal Institute Basic Residential HUD Appraisal Requirements 10/1999 (7) National Association of Independent Fee Appraiser A Closer Look at Home Construction 12/1999 (7) Harrisburg REALTORS Institute Going, Gone -Understanding Depreciation 09/2000 (7) Harrisburg REALTORS Institute USPAP Update 10/2000 (7) Harrisburg REALTORS Institute Calculating Gross Living Using ANSI Standards 12/2000 (7) National Association of Independent Fee Appraiser Appraisal Forms & Reports 02/2001 (7) Harrisburg REALTORS Institute $ and Sense: Introduction to Income Approach 02/2001 (7) Harrisburg REALTORS Institute Appr. Beware Environmental & Stigma Issues 04/2001 (7) Harrisburg REALTORS Institute Litigation Valuation (Expert Witness) 08/2001 (15) National Association of Independent Fee Appraiser Uniform Appraisal Standards for Federal Land Acquisitions 07/2002 (16) Appraisal Institute Appraising Real Estate Fraud 09/2002 (7) Harrisburg REALTORS Institute USPAP Update 09/2002 (7) Harrisburg REALTORS Institute Appr. Beware Environmental & Stigma Issues 03/2003 (7) Harrisburg REALTORS Institute Limiting Appraiser Liability Exposure 04/2003 (7) Harrisburg REALTORS Institute Distressed Property Appraisal 04/2003 (7) Harrisburg REALTORS Institute USPAP Update 05/2003 (7) Harrisburg REALTORS Institute Investment Property: Income & Expense Analysis 10/2003 (7) Harrisburg REALTORS Institute What does Fannie Mae Say 11/2004 (7) Harrisburg REALTORS Institute Photi=Fish and PA Regulations 01/2005 (7) Harrisburg REALTORS Institute The New FANNIE MAE Appraisal Report 08/2005 (7) School of Real Estate Appraising, Inc Understanding a Commercial Appraisal 02/2006 (7) Harrisburg REALTORS Institute Understanding s Commercial Document 04/2006 (7) Harrisburg REALTORS Institute National USPAP 10/2006 (7) Harrisburg REALTORS Institute Federal Banking & PA Regulations 11/2006 (7) Harrisburg REALTORS Institute Flips, Frauds & Foreclosures 12/2007 (7) Harrisburg REALTORS Institute Scope of Work 04/2007 (7) Harrisburg REALTORS Institute EMPLOYMENT HISTORY NAME ADDRESS OF EMPLOYER Miscellaneous Real Estate Harrisburg Area Miscellaneous Real Estate Harrisburg Area RE/MAX Realty Associates, Inc Camp Hill, PA Leon D. Gerlach, Appraiser Leon D. Gerlach, Appraiser Enola, PA TITLE DUTIES DATES Sales Sales 12/1983 to 12/1985 Sales/Appraiser Sales & Appraiser 12/1985 to 02/1990 Sales/Appraiser Sales & Appraiser 02/1990 to 02/1995 Appraiser/Owner Appraiser 12/1985 to 02/1995 20 to 45 Appraiser/Owner Appraiser 02/1995 to Present 100 DEVOTED TO APPRAISING 10 to 30 20 to 45 DRZAL-6H Potts Hill File No. HU ********* QUALIFICATIONS ********* EXPERIENCE SUMMARY EXPERIENCE Presently: PA Associated Broker / PA Certified General Real Estate Appraiser Real Estate Sales Agent (1983-1985) Real Estate Associate Broker 1985 to Present and Appraisals 1985 -Present Over 15 years in the building industry -Owner of construction company for 10 years and worked for other construction companies in management, as an estimator, and I personally performed all types of work on residential and commercial properties. Appraisals for the purpose of first and second mortgage loans, buyers, sellers, property settlements, litigation, estates, employee transfers, eminent domain, tax appeals, divorce, partners buy out, easements, partial interest, value for owner, Appraisals for different types of properties like: vacant land, special purpose, apartments, multi-family, single family, offices, school, part of an island, mixed uses, laundry mat, car wash, sub-divisions, health clubs, day cares, churches, restaurants, bar/taverns, warehouses, retails, retail sales and services, motels, farms, gas stations, mini marts, car lots, strip mall, medical office or use and others. Being as commercial, industrial, agriculture as well as single family residential, have been made in the following counties on a regular basics: Dauphin, Cumberland, Perry, York, Lebanon, Adams and Lancaster. Also do some work in Franklin, Juniata and Snyder county on time permitting basics. Did eminent domain in these additional counties: Franklin, Fulton, Mifflin, Snyder, Berks, Lehigh, Northampton and Monroe. Other Counties only on special request. Review of various appraisals. PARTIAL APPROVED AND COMPLETED ASSIGNMENT LIST Internal Revenue Service U.S. Department of HUD /Property Disposition Branch Resolution Trust Corporation Commonwealth of Pennsylvania Department of Transportation Small Business Administration NAMI Pennsylvania Harrisburg City Annville Township Mt Holly Springs Borough Wheatfield Township Serratelli, Schiffman, Brown & Calhoon Attorney Cunningham & Chernicoff PC Attorney Morgan Hallgren, Croswell & Kane Attorney Siegrist, Koller, Brightbill, Long, & Feeman Dissinger &Dissinger Attorneys MORGAN, James G. Jr., Esquire BRENNEMAN, Keith O.- Attorney Killian & Gephart Barley, Snyder, Senft & Cohen, LLC Linton, Distasio, Adams & Palange, P.C. Messiah College Fulton Precision Inc. Herbert, Rowland & Grubic, Inc. Engineers Alpine Resorts, Inc. Palm Development, Inc. Pennsylvania Housing and Finance Agency United Way of the Capital Region Central Pennsylvania Conservancy Township of Derry Susquehanna Township Dauphin County Commissioners Knupp & Kodak Attorney James G. Morgan Esquire Mette, Evans ~ Woodside Attorney Saidis, Shuff, Flower & Lindsay Purcell, Krug & Haller Hanson & Ruben Hanft & Vohs GRUBB, William Lewis -Attorney Kay Dailey -Attorney Wolfington Body Company Fulton Industrial Development Association Friendship Fire Company Marder and Associates, Inc. DRZAL-6H Potts Hill File No. H0902021 L ********* QUALIFICATIONS ********* PARTIAL APPROVED AND COMPLETED ASSIGNMENT LIST Continue Legacy Bank Community Bank Commerce Bank Farmer Trust Bank Mid Penn Bank Blue Balf National Bank PNC Bank First National Bank of Marysville Fulton Bank Vartan National Bank National City Bank Washington Mutual Bank Pennsylvania National Bank Juniata Valley Bank Portage National Bank FIRST National Bank of Newport Union Bank and Trust Company M&TBank First Union Bank Sovereigh Bunk Pennsylvania State Bank Allfirst Bank First Union Bank Citizens Bank Gratz Bank Eastern Savings Bank F & M Trust Company Prudential Bank Drovers Bank Halifax National Bank Orristown Bank Patriot Bank South County Bank Susquehanna Valley Federal Credit Union Members 1st Federal Credit Union Entrust Federal Credit Union Equity One, Inc. Select Business Services Agents Mortgage American Express Chase Manhattan Mortgage Corp. National City Mortgage Statewide Mortgage Associates, Inc. Belco Credit Union Utilities Employee FCU CE Federal Credit Union G MAC Windsor Financial Mortgage Corporation Allstate Appraisal Review Service Wells Fargo Financial Data Search Capital Mortgage Finance Corp. For other attorney, cities, borough, townships, churches, companies, schools, clubs, government agencies and lenders not listed also for many property owner for different reasons and needs.(062007) ZONING MAP Borrower: Leo S DRZAL Estate File No.: H0902020L Property Address' 6F Potts Hill Road Case No.: DRZAL-6F Potts Hill Road City' Lewisberry State: PA Zip: 17339 ~ ~ 00 ~, ~ ,s~'~~ ~.t.~~+~M © ~ ' ~' "d A C,~ O "1"} (D ~''. °~? ro .,,,,.. g ~ v .. ~'~ i ~, 4 A ~$ ~^ .. '1 y ~ } 'ti~~Y `..4. '. c , "'~~}` t ~~ tt any'.. A6#' ~~Vy, ~ ~ :~ '~, ; ~! r},''~ ~~ a ,. r,_ ;_ . ~~. ~.~u•tiw. ~~}~~~~~a~~iA#i i ~i ~~7 ~i ~~p fi 1 yY f..-:~ C r~1+~?'~' S~~y~R~ q~~ M71'~ '~y17~ ~.ry- ~ # ~~ ,~M~~ J k8+t3~cdssd~ .-t ri ~ t ~ ~. ~ k ~~ `Y , ~ a ly ' ~` I 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 ZONING INFORMATION Borrower: Leo S DRZAL Estate File No.: H0902020L Property Address 6F Potts Hill Road Case No.: DRZAL-6F Potts Hill Road City Lewisberry State: PA Zip: 17339 Lender: DRZAL Leo Estate sEC-~~oN 3~;~ ~~ ~~.sa~c~ ~~. Paz. ~ ~~~PC~s~ 't"he Cgt~:prehensive Plan recognzc;s re~ici~r~tiat d~vetUpm.cttt arid. r~u>~al c~c~.~u~<~:txa,ns rautsid~ r~# the• grov~ttt area as desrab~~ development .~,~ti.c~x~s. "t~.e t~ur~c~~e n£ this zc7nn~; district is tea rec~gt~ixc areas of the Tr~~~nsitip that have r~u:ra,t resr~rlFCes, such irs rural oc~-.u~rxtx~ns, a~ricu.ttrtrc tend tirnbe.rin~, and. encca~rages. devetoprz~er~t that is c;c~rr~~aatit~le ~w~ttla `the naturai et~~sronn~er~t ~~tnd rural ch,arac:tcr ~f tt~e Towrrsl~ip. Pribtic watt;r and p~tbi:~: s~ryexa~c ha+~e ~~~t bGen tlYtencteci i~tc:~ tts.csG arca.S acct there i5 no ~~~e~di:ng nc~d to extend tt~e t~ti~iries. "Cuts distr.~t is nit cOt~~idercd aJ, inte~.rat cornp+~nertt t~f t.t~c '~`~awnshtp's growth n~ar~agerrxent p1.au. I-~c~~~rcver, scn.~ita~re Natural feazu:rc:s s;hauld t1c ~xotectcd. 3~C~~~ 2 P~~t~;17~"E~ ~lSE~~ ~. A(rk~l~~C~~1"~~~4L 8~ ~'{3~~~Ii'frr' LT~~S 1. Permitted ley ~t~gla~t a.. ~1,grc~lrture ~S. 55.3) (.~scclud.ira,~ I~.xeraszve ~a~~ni.[~~ G1per~iti~rF.}. ~. iF'c~r+~stry (~.525~23~. e. Ifiiding Staible5 (S. 55.53). B. RCSI~?~t1iTIAL If~S 1. pcrtn.tted b~ Rt;~txt a. Crruup ~i~nses. ~. Sin.gle:,~ar.>~x1,y Detaelacd't~~-eTtin. ~. IIYg"a`i'l wd"T~[3N.~~ [~~~~ 1.. Pcrtn::tttd by gpe~iat ~xceptinn a. Placc;~ of W"or5~p ~~. 525.45}.. u. Private ~lut~s fig. 5~,5~I~~~. ~. >~~~~3~t.r~c~~lC-P?CTI~I.IC usi{~~ 1.. P~:r-mitte.d try ~t~g~t a. ~:~~r~~~;t~.~rie~ ~~. 52:~,~~~. b.. Nirlnic~pal ~se~. - `: ~. Pe:ca~itted by Special ~xceptan ai. ~rrt:ex~c;nc:~r Scrv~ccs. 'f~. ~ssctitat. Servic:~s ~S. 5~5.~~)" ~ . 1. Perrriittcd try fight ' a ' Ag.ricuttural, ~u~po>rt Busirtes;5es. b. ~'rrtc~ti:rrarian'S t~flir~s, 2. Permitted tay Special "~:~cei~tr~r~. ~E41-BE;FtR'~ Towrr~.s~e, Yoa~ Cou!r~r. P,4 ....._ . Znnin~ arcltr,.ar~~~ July ~5, ~+qq6 ~rtick~ 3 - 95 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 ZONING INFORMATION t3orrower: Leo S DRZAL Estate I-Ile No.: H0902oZOL Property Address:6F Potts Hill Road Case No.. DRZAL-6F Potts Hill Road City: Lewisberry State: PA Zip: 17339 c:. C~re.~rrt~u!es .arid Nu;r~~t~.~~ ~S. ~,2~.?~),. d. ~~n.n~~,r~ (:. ~5~~..~5,~~j. ;~, P~~rni~t~~~ b~ ~onditi.c~r>t,~.l LJs a.. C:alra:~~~t~u:itci~ {S~ ~~5.~~~. ~. Cnnn~u~.a~~tin~>I~ A~n.~~n;cx,~s, ~`a~~cte~r~bs, az~ :Fc~iui~rza.~n~ ~(;~. ;s?~.;:,j, 1. p~rmitt~d ~~F a~pc~i~~i. Ex~~~~~i~~r~ ~,. ~'er~titt~d ~v ~C:~>t~c~~.iinlr~a~ his a. :~~~iitwi J~':~t~.a~t~n. c~.r. I~~c'~v~r~r ~~~~~~i~n:h ~Sw ~~~~.'~~, 1. "~''~;~~ai~~t~ }' ~I1~ ~. Olf~Es1:~~~,~ ~~C? ~:}l~ c1~C3~r~C~ ~3~71!~~~{;~ ~S~L'.5,. ~] l t v ~ : ~ C1:L~] ~ i l l :~~;~ i ~,~,.~5~ . ~( ` ~ y ~ -{ ~ y ~ w ~ n r~ ~ ~ ~. ~r1.a~uar~~ ,Stota~~~ Fd~lt~c~, Na~z~~c~~rrn~e~r~~,a~ I~e~~>t,~~ ~~' L~•>~St~i~k (~. ~"':~.~~,~. ~~. :Ptrm~tted 1~~~ ~~,~ ~,~c~;c~t~c~ .. a ~:. 5,~:,~3~. er~. and ~~~~a~ls~ ~ B ~ y , +~ ~ ^~ ~fi. ~i:~~rie ~C~~c+~~z~a~~~c~s~ ~~. ~~.~, ~.. Rt><ra,~ ~7~~u~at~n~~ ~~, ~~5.~~~. ~. P'~~~~~,itt.~c~ h~~ ~~ndi>~~c~~.~~~ TJs~ ~~. r~r~tri~~ eli~~~ {~. ~r~~.~;~ M1l;&~we+~af~~+ "To'v~!r. '~~IC ~C'pk/~E'G'Y, ~~ 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 ZONING INFORMATION Borrower: Leo S DRZAL Estate ile o.: H0902020L Property Address 6F Potts Hill Road Case No.: DRZAL-6F Potts Hill Road City' Lewisberry State: PA Zip: 17339 Lender: DRZAL Leo Estate ~az.3 ~~~t~~ s~~~~~~a~ ~XCE~~ ~S Ot~l~l~flSC [i(7rt:l'l, ~l~ prlyct~al, t13~B shall ~;t}iz~~l.y Wlt~l fi~1~ ~O~lowzl.~: ~, ~;,~~ df ~pl~~~ ~ ` N ~ 4~ ~ ~ t , ., ~, , • a , I .r, ., ,, , ,~ llriinimt~tn I,ot ,area t37,i.~C} s . ft:. __._ ~i rz~lutn lJot CCU ~3uilclin~ 1~J'r~th Sctt~ack ~.i~~ :1,5U ft. _~° i~~axi~tttxi ~l:e ht ~~ tt. ~~ ft,' ~ __ iviaxi:m.ursx L,c~t Cc~r~era. ~;: 2a~~ _~.. :i OfJ ~t ~ . . . Hre}ilt SD fit, .~......_ l~fitalzrtu.m ~t(? :fx, ~id~:~ ~U ft. W., ---.. S~tbACks __ I~.ear .`(i i~; tii ft Provisted cacti struatuxe lt,~a~t t1:-a~a l.5' xt~all6e sett bsck. fra~ta t~ze ,tlcaa+cs~t ~icfe andl'at re:~r.:k~a# ti n~. a ~I~taq~c equal to ~t,~ fced side and,'or jai rxtlYlt'tllt#~E BCtt,?At:TiS. ' 1 r ~ . u 1e ~t i~li t ne t t1C! 11: but In. no 4Pi,98 Ue lucat~i~! closer to ~ si~~e a#tdlcrr'rcar lat e 1 l'+lO i1L~E%•S'.SUf~' t~u'.I~ICILtIg. 9C s~rw.r.#ume~ exo¢p# ~:?C ~JCC#,' 71t#Ci~ ~i,~1,'~Sn iS~lalt~ bG ~CIL'~t4~, ~4Ct~ltlt ~1~ ~1iV~t }'~9fi`~, t1]l~L"9S` ~ii$ ilAC05SUf~ t)IL]t~111 4'C3tR1~."t41CC$:tSSa:f~J7iL'~'.f1#leastUfl'Cbuutlt~l.:liJO {#et~I4:[Rt~l4'8#~CC#!'~ 4-11'~-Vii4 '.t(dt'i. Unless c~tl~ervvisc sgec.tCtc~, ail ~It`1tXGtp+3.l, nntt~~gt'lcttltur~l ~Sl~ f7E),t't~-,fear~;stry tDS4s C1~ Ci0Vi1~.0~]ftlt!Ttt5 Nv*1.'t~lltl t~11S Zl~rll11~ ClkStt'1Gt ;~hal,l naG be ;~I~Llif~t,~ ~(~ !(:Anrieck t+o pell~~tC ~~,*atet` irl(~ ~~bi~t; ~eGyer Z ..rL~]( i~UISLLaI),t tat?J'E5C:t1~iJl]5 ~.~..'~ ~I71'~ ~lt;,'~ t)il t;i;t~ ~t'.~iVt7~.rC'4" '~'t,'~~VCl~l~l,~.? ~axladt~~#Stt~t1. iLt~d l i t i I3eveioprnent. Uardlnat;<ce, star thane uses aiud d~velt~ptY~cn~ ~iczt t•tyc~tiixetl td be ~rrt~ti~iti~e~E ~;v ~ttl~ic water ~~~ publ:e, vve,r, adeq;uale as-1c~:t u~cll and Uil,-{C)t ~t<V4°~c3~;~ C1;15~~5~1 ~#1Ct~:tt,tS iI'~, ' `' li~~ l)Vr'Iti~ ~.~~ ((,ti~,h.-. [[i(} j` ~ ~* t1r~ r.n i~r,•~} ~' ~}~•.~..~l2L~ fD~LJl' t~7~^..rtil(."'ri'~t:71~jf 4.1'v ~I~l,Lll ~.7 C,. ~.. t•!'(.J.~1 .J'~~.L% ~1:.~~.a1.5 1/A~~~a+.ii~l..t:r~ r.,v~..•IF~~~e~T c~C{~.~LL~41'i.1 ~ . Subclivis,ion ~~nd :zt~i T)eveaupn~tirrt ~Kdi.nz;nctr and tt~e ~~-: i7.CP sk~~l:l l?~ pravidecl. ~~?2. ~ WASTE P~Ra'~~l~CTS ~ . il trt~sh tumpstet"s shall: be 1c~Gated wlthtt ~ si,cie or rear ~~r~i, sGrr;~;ra,ed t;z~m a~ljoinizt~ rL~a~is cjr :~ . proRerfia~s, ~li~,i~. tc)txapletzi~~ on~:lc~seti' v~ithiz~ rnasartry car ~ent;eti enel.asure t:.cluippe~ ~sri:th a scl.f~ lat=c(iing tiu~~t or gate. x .. . 3O~.b AGI~:~~Cl~l.~'~1~tA.l~. ~~ ~'C~'RES~`R~' SETBACK. R ~~I~EE~`~. ~'•,. ill lie planted vvitb~.t1 t~cn~: 4:10} Wort-1©r~stcy garcej, n~a st~rLtla she ra:1 or rct l~u rate noY~-a Q . ~ . ~ n any sepa feet, tier shrill ~uy~ tree b-e ~ll,a~E~. witl~.in tliirry~ 4~~) feet, respetiti~~el}~, ai aily' la~~d d for a~rict#th~.r~al. ~az` ~urestry p~irpases, NE,NlA£RRY 'fia5~l'NSITYP, YQRK. CdlJ'N'ri'', PAS ... , . __ .. zOlli~tl~ ~t"dTtl;~ld1C~' ,luly ~,~, 2t?a~ ~~i~icle ~ - ~''~ 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 ZONING INFORMATION Borrower: Leo S DRZAL Estate File No.: H0902020L Property Address' 6F Potts Hill Road Case No.: DRZAL-6F Potts Hill Road City' Lewisberry State: PA Zip: 17339 Lender: D L Leo Estate 302.7 AL'L k~5~S ~ii~~.,gECT ~~ ~~'E~~.AY 24~~t~~l~ QfS~`~,t~~S If located within car' affected by the foYiowi~~ c~vcri:ay districts, t1a~~,-elo~laiz~ent car. t;~scs sl~t~Ii 1~ee^.t the rer~urentel:~ts of ,A~rticle~ Tt~ in acct~rdance witlx: . 1. 5~~:ctic-s3 4D~'. Sea~sitive Envi~'c~nmcFltai i~c:t~.tuKe.~ t~verl~~y ~T.~istric.t. 2. Section ~Ct~ Flocd~alain ~'~°c~k~c,ti:r~ri ~3vcrla~p Distr:i~:,t. 3.. ~~ctic~n 4{3~ C~or.Y~~:rv~~t'cti ~ZZk~di~~isit}I~t ~esi~m ~}ve-rl~ty ~istl<~ick ~Resicl~nti.~il devclopnenc e,.~iy). 302.8 ALL 4~5ES ~~~.~'~ T ~'{~ GEN~R~4~. AiwD ~~'pRiLEJ+~EN`~A~Y p~1~tJV`NSI~'N~ A. G~~~~.~.L:1~ SCJi€'~LI14~~N~.',~~t,~ P'ItU~:~~1(}N ~n addition to athe~` .ag~plicablc sectis.~ny o>r ~:rtcl.c~ ~~ ~erre;.t~~ri ar~c~ Su~rpa.e:tncti.tary Pr+3~~iSiOtts, tll clc~~elc~~mctlt car «,;~s ,pcrr~~i.ttc~d r,~;~ith%n tktis zOnit~~; di~striet sh.,~li ril:sc cc.,d~~1.~T ~~+tl~: l.. Section ~~~ ~lceesscryx ~J~cs and StIG•t~.cttzres. 2. Sectfa.n ~~}~ C1F~ertclQ~cc Stor~~e. 3. ~ieCticn 5Q5~ 1Zeciuireci "V'chi~cular t~cce;ss~.. ~. Scctis~~t.15~2 I'ar%ra~'~g Requ::reznents.. .~. ~ecti~ta 5~.~ C3ff~Stt'eet l:.c~<7ditl p'ar:.ilities.. ~i. ~~cctin~~ ~5~~ fiufirering. 7. Section 5~.:~ Lartdscagait~~, 13. ~ecti.on 51~ Sc:xccrri~~~. 9. S~.ctic~:n 5 ~? ~i~s. ;].t}. Scc#a~an 5~.~ ~pcratiQns a.r,~~ Perfrrrmar~ce ~tan~i~,rd~. 302..9.,. AGRI~CUL~"U!'~.A,l~ ~~3~~S~~~C~ ~~:S~CLA~~AR All Iznds within ~r abutting the ,Rural Rcst~ttrt;e Zc~~tt~~; l~stric~ are i~ca.tcd in ran area ~~~herc lstt~cl is used car co~~.~t~e~rt~ial ag~~ic.ultural prc~eluctir~ti. E'~~~~~tc;r~, i•~;S~lc~a`:[It~, arkri c~tltcr users c~~ t:l;;l.is property niaY be ,sul~jec:tcd tc- incotr~c~euier~cc, tlis~c~orttfart, arld do l~r~~,s~ibl.>~t~T t~f injury to ~t~~p.trrt.~,. and health arising frcarn th.e ncirn~al and acc~l~tecl a~;t-icult~~ral l~racticcs ar~~l c~pexations inc;l~udin~ but nc~t I.rnited to noise, ~dorS, dust, t:he ~aperatic~:tt a~ uta,ctLiatet=~;v ryf ai:ty ~%nd .nr~lt~d,n~, ~j<.~~rttCl; tl~e str~rage and dir>l~usAl o~ rxa~xiiire, the apl>lci+t;iot~, p.l' fertili,~~rsr soil a~crzdr~ei:~ts, herbic~d.~cs a:n~l pesticides. C~wt3ers, c7cuu~rants, ~ra.d users cai' tlz,i,s propert}r slrc~t~Iri be ~,r~par~etl tc~ accelat. s~xc;la incunvecii:en.c:t;s, di~c~rufort art~i po5s~.'b.tl:tt~T of rry~ury-:l:mni nc~mn:ai agri~;t~ltutal a~eratir~r~s~, a7z~ are l~crel~y putt t}n c~~~"IC;i~1l natikxce that Secuusl 4 cif 1'erttxs~rlwaS~:~a..~..ct ~.~'~ t~~: 19g~, the ;~.i,glit to F~az~t ~~.~~, rnmy bar them from. c~l~taini~rrl a lt~ga~l jud:grnent against .such ~:>:orin~>,I aKrycuitura3 nfr~;rat~o~is. t~EW9ERRY 74NR~l5W2P, Yapac GfJUN'P"y, SPA .._.... .. ... _ 7art~in8 t~r~d9n~nce JuCy 25, 2006 ,~t~t:9cle 3' - 9 305 West Shady Lane, Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 War_,hnvla Sea,irities, LL.C Lemoyne Drive Lemoyne. PA ].7043 Post Office F.3ox 7, Camp Hill, P~ 17001. Tel 717 761-7344 Fax 717 975-8426 800 468-8685 ~-"'~~~ ~-~•~: May 28, 2009 Craig C. Hatch, Esq. Gates, Halbnmer & Hatch, PC Attorneys-at-Law 1013 Mumma Road Lemoyne, PA 17043-1144 RE: The Estate of Leo S. Drzal Wachovia Securities Account 2837-0340 WY38 Leo S. Drzal &Tena L. Embick JT WROS Established 04/OS/2001 SS# 279-09-2522 Date of Death: December 11, 2008 Dear Mr. Hatch: ww~cfrovrA S~;c2Tr.><~r~;s Per your request enclosed please find the date of death values for the above joint account of Leo S. Drzal and his daughter Tena L. Embick as of December 11, 2008. This joint securities account was established on April S, 2001. Originally Mr. Drzal had established a joint securities account with his wife Jennie here at Wachovia Securities on February 3, l 993. In late Marcll of 2001 we were asked by Mr. and Mrs. Drzal to transfer these securities into a new joint account with Leo and his daughter Tena L. Embick due to Mrs. Drzal's declining health, If I may be of any further assistance, please do not hesitate to contact me. Sincerely, Bruce D. Mulvey Vice President -Investments BDM: le Enclosure Page 2 The Estate of Leo S. Drzal Wachovia Securities Account 2837-0340 WY38 Leo S. Drzal & Tena L. Embick JT WROS Established 04/05/2001 SS# 279-09-2522 Date of Death: December 11, 2008 Qty Security Price Value 518 Bank of America Corp 16.37 / 14.83 15.60 8,080.80 863 Covidien Ltd 35.96 / 34.28 35.12 30,308.6 528 Exxon Mobil Corp 81.92 / 79.41 80.665 42,591.12 2766 Fulton Financial Corp 10.55 / 9.80 10.175 28,144.05 60 Intel Corp 11.24 / 10.17 10.705 642.30 428 Northrop Grumman Corp 41.98 / 40.68 41.33 17,689.24 284 PPL Corporation 30.88 / 29.64 30.26 8,593.84 340 PNC Financial Svcs 53.49 / 46.33 49.91 16,969.40 120 Pfizer Incorporated 16.98 / 16.19 16.585 1,990.20 1050 Sovereign Bancorp Inc 2.96 / 2.80 2.88 3,024.00 863 Tyco Electronics Ltd 16.85 / ] 5.65 16.2 14,023.75 863 Tyco International Ltd 22.22 / 20.1 ~ 21.185 18,282.66 190,339.92 "This material has been prepared solely for informational purposes and does not supersede your Wachovia Securities client statement which is considered to be the only official and accurate record of your account activity. If there are any discrepancies between this and your client statement, please call your local branch manager." Calculated Value of Your Paper Savings Bond(s) ~ `\?~~~`~ ''~~`-~ ~ _~ , l ~- Calculator Results for Redemption Date 02/ 2009 Total Price Total Value Total Interest YTD Interest 2 550.00 3 485.60 935.60 16.56 Bonds: 1-48 of 48 Issue Next Final Issue Interest Serial # Series Denom Date Accrual Maturity Price Interest Rate Value Note C780184388EE EE $100 12/2003 03/2009 12/2033 $50.00 $9.80 2.80% $59.80 C780184387EE EE $100 12/2003 03/2009 12/2033 $50.00 $9.80 2.80% $59.80 C758140302EE EE $100 01/2003 03/2009 01/2033 $50.00 $11.48 2.80% $61.48 C758140301EE EE $100 01/2003 03/2009 01/2033 $50.00 $11.48 2.80% $61.48 C745646228EE EE $100 08/2002 03/2009 08/2032 $50.00 $12.52 2.80% $62.52 C745646227EE EE $100 08/2002 03/2009 08/2032 $50.00 $12.52 2.80% $62.52 C730882278EE EE $100 01/2002 03/2009 01/2032 $50.00 $13,92 2.80% $63.92 C730882277EE EE $100 01/2002 03/2009 01/2032 $50.00. $13,92 2.80% $63.92 C72S462791EE EE $100 06/2001 03/2009 06/2031 $50.00 $15.52 2.80% $65.52 C725462790EE EE $100 06/2001 03/2009 06/2031 $50.00 $15.52 2.80% $65.52 C694673358EE EE $100 06/2000 03/2009 06/2030 $50.00 $19.32 2.80% $69.32 C694673357EE EE $100 06/2000 03/2009 06/2030 $50.00 $19.32 2.80% $69.32 C694673360EE EE $100 06/2000 03/2009 06/2030 $50.00 $19.32 2.80% $69.32 C694673359EE EE $100 06/2000 03/2009 06/2030 $50.00 $19.32 2.80% $69.32 C707684675EE EE $100 12/2000 03/2009 12/2030 $50.00 $17.32 2.80% $67.32 C707684676EE EE $100 12/2000. 03/2009 12/2030. $50.00 $17.32 2.80% $67.32 C703939896EE EE $100 08/2000 03/2009 08/2030 $50.00 $19.00 2.80% $69.00 C703939895EE EE $100 08/2000 03/2009 08/2030 $50.00 $19.00 2.80% $69.00 C685129318EE EE $100 12/1999 03/2009 12/2029 $50.00 $21.04 2.80% $71.04 C685129317EE EE $100 12/1999 03/2009 12/2029 $50.00 $21.04 2.80% $71.04 C684465582EE EE $100 12/1999 03/2009 12/2029 $50.00 $21.04 2.80% $71.04 C684465581EE EE $100 12/1999 03/2009 12/2029 $50.00 $21.04 2.80% $71.04 C666879618EE EE $100 05/1999 03/2009 05/2029 $50.00 $22.84 2.80% $72.84 C666879617EE EE $100 05/1999 03/2009 05/2029 $50.00 $22.84 2.80% $72.84 C660940744EE EE $100 12/1998 03/2009 12/2028 $50.00 $24.24 2.80% $74.24 C660940743EE EE $100 12/1998 03/2009 12/2028 $50.00 $24.24 2.80% $74.24 C659642387EE EE $100 12/1998 03/2009 12/2028 $50.00 $24,24 2.80% $74.24 C659642386EE EE $100 12/1998 03/2009 12/2028 $50.00 $24.24 2.80% $74.24 C654502961EE EE $100 10/1998 03/2009 10/2028 $50.00 $25.48 2.74% $75.48 C654502960EE EE $100 10/1998 03/2009 10/2028 $50.00 $25.48 2.74% $75.48 C646820123EE EE $100 07/1998 03/2009 07/2028 $50.00 $26.00 2.80% $76.00 C646$20122EE EE $100 07/1998 03/2009. 07/2028 $50.00 $26.00 2.80% $76.00 R147314945EE EE $200 12/1997 03/2009 12/2027 $100.00 $56.48 2.80% $156.48 C504779145EE EE $100 01/1995 07/2009 01/2025 $50.00 $39.60 2.48% $89.60 C551192033EE EE $100 12/1995 06/2009 12/2025 $50.00 $32.28 2,65% $82.28 C551192032EE EE $100 12/1995 06/2009 12/2025 $50.00 $32.28 2.65% $82.28 C435401601EE EE $100 12/1993 06/2009 12/2023 $50.00 $43.72 2.69% $93.72 C435401600EE EE $100 12/1993 06/2009 12/2023 $50.00 $43.72 2.69% $93.72 C835202229EE EE $100 02/2007 03/2009 02/2037 $50.00 $3.24 3,60% $53.24 P5 C835202228EE EE $100 02/2007 03/2009 02/2037 $50.00 $3.24 3.60% $53.24 P5 C799631312EE EE $100 12/2004 03/2009 12/2034 $50.00 $7.76 2.80% $57.76 P5 C799631311EE EE $100 12/2004 03/2009 12/2034 $50.00 $7.76. 2.80% $57.76 P5 C785629700EE EE $100 03/2004 03/2009 03/2034 $50.00 $9.00 2.74% $59.00 P5 C785629699EE EE $100 03/2004 03/2009 03/2034 $50.00 $9.00 2.74% $59.00 P5 C785629698EE EE $100 03/2004 03/2009 03/2034 $50.00 $9.00 2.74% $59.00 P5 C785629697EE EE $100 03/2004 03/2009 03/2034. $50.00 $9.00 2.74% $59.00 P5 00115776571 I $100 03/2006 03/2009 03/2036 $100.00 $11.68 5.86% $111.68 P5 00115776561 I $100 03/2006 03/2009 03/2036 $100.00 $11,68 5.86% $111.68 P5 Totals for 48 Bonds 2 550.00 935.60 3 485.60 of 2 2/9/2009 10:04 AM alculated Value of Your Paper ~avrn~s Bond(s) Calculated Value of Your Paper Savings Bond(s) http://~~~ww.treasurydirect.gov/BC/SBCPricc Calculator Results for Redemption Date 02/2009 Total Price Total Value Total Interest YTD Interest 2 550.00 3 485.60 935.60 16.56 Bonds: 1-48 of 48 Issue Next Final Issue Interest Serial # Series Denom Date Accrual Maturity Price Interest Rate Value Note C780184388EE EE $100. 12/2003 03/2009 12/2033 $50.00 $9.80 2.80% ~89:~0 "' C7$0184387EE' EE $100 12/2003 03/2009' 12/2033 $50.00 $9.80 2.80% .$58..S~Q„,,,-~ C758140302EE EE $100 01/2003 03/2009 01/2033'. $50.00 $11.48. 2.80% $61.48 C758140301EE EE $100 01/2003 03/2009 01/2033' $50.00 $11.48 2.80% $61.48: C745646228EE EE $100. 08/2002 03/2009 08/2032 $50.00 $12.52. 2.80% $62.52 C745646227EE EE $100 08/2002. 03/2009 08/2032. $50.00 $12.52 2,80% $62.52.. C730882278EE EE $100 01/2002 03/2009 01/2032 $50.00 $13.92 2.80% $63.92. C730882277EE EE $100. 01/2002 03/2009 01/2032. $50.00. $13.92 2.80%, $63.92, C725462791EE EE $100 06/2001 03/2009 06/2031 $50.00. $15.52 2.80% $65.52 C725462790EE EE $100 06/2001. 03/2009 06/2031 $50.00. $15.52. 2.80% $65.52' C694673358EE EE $100 06/2000 03/2009. 06/2030, $50,00 $19.32 2.80% $69.32- C694673357EE EE $100 06/2000. 03/2009 06/2030 $50.00 $19.32 2,80% $69.32 C694673360EE EE $100 06/2000. 03/2009 06/2030 $50.00 $19.32 2.80% $69.32, C694673359EE EE $100 06/2000. 03/2009 06/2030 $50,00 $19.32 2.80% $69.32 C707684675EE EE $100 12/2000 03/2009 12/2030 $50.00 $17.32 2.80% $67.32 C707684676EE EE $100 12/2000 03/2009 12/2030 $50.00 $17.32 2.80% $67.32' C703939896EE EE $100 08/2000 03/2009, 08/2030 $50.00 $19.00 2.80% $69.00 C703939895EE EE $100 08/2000 03/2009 08/2030 $50.00 $19.00 2.80% $69.00 C685129318EE EE $100 12/1999 03/2009 12/2029' $50.00 $21.04 2.80%' $71.04 C685129317EE EE $100 12/1999 03/2009 12/2029 $50.00 $21.04 2.80% $71.04. C684465582EE EE $100 12/1999 03/2009 12/2029 $50.00 $21.04 2.80% $71.04 C684465581EE EE $100 12/1999 03/2009. 12/2029 $50.00 $21.04 2.80% $71.04 C666879618EE EE $100 05/1999 03/2009 05/2029 $50.00 $22.84. 2.80% $72.84 C666874617EE EE $100 05/1999 03/2009. 05/2029. $50.00. $22.84 2.80% $72.84. C660940744EE EE $100. 12/1998. 03/2009. 12/2028 $50.00 $24.24 2.80% $74.24 C660940743EE EE $100 12/1998. 03/2009 12/2028. $50.00 $24.24, 2.80% $74.24 C659642387EE EE $100 12/1998 03/2009. 12/2028 $50.00 $24,24 2.80% $74.24. C659642386EE EE $100. 12/1998 03/2009 12/2028 $50.00 $24,24 2.80% $74.24. C654502961EE EE $100, 10/1998 03/2009 10/2028 $50.00: $25.48 2.74% $75.48; C654502960EE EE $100 10/1998 03/2009. 10/2028, $50.00 $25.48. 2.74% $75.48: C646820123EE EE $100. 07/1998 03/2009; 07/2028, $50.00, $26.00 2.80% $76.00 C646820122EE EE $100' 07/1998 03/2009 07/2028. $50.00 $26.00 2.80% $76.00 R147314945EE EE $200: 12/1997 03/2009: 12/2027. $100.00 $56.48 2.80% $156.48 C504779145EE EE $100 01/1995 07/2009 01/2025 $50.00 $39.60 2.48% $89.60 Q M C551192033EE EE $100 12/1995. 06/2009' 12/2025 $50.00 $32.28 2.65% $82.28 C551192032EE EE $100 12/1995 06/2009 12/2025 $50.00 $32.28 2.65% $82.28 C435401601EE EE $100: 12/1993 06/2009 12/2023 $50.00' $43.72 2.69% C435401600EE. EE $100 12/1993 06/2009: 12/2023: $50.00' $43.72 2.69% $ C635202229EE EE $100: 02/2007: 03/2009'. 02/2037 $50.00. $3.24. 3.60% $53.24 PS C835202228EE EE $100: 02/2007. 03/2009 02/2037 $50.00 $3.24 3.60% $53.24' P5 C799631312EE EE $100: 12/2004. 03/2009 12/2034: $50.00. $7.76 2.80% $57.76 P5 0799631311 EE EE $100 12/2004 03/2009. 12/2034. $50.00 $7.76. 2.80% $57.76 P5 C785629700EE EE $100 03/2004 03/2009. 03/2034 $50.00 $9.00 2.74% $59.00 P5 C785629699EE EE $100, 03/2004 03/2009 03/2034 $50.00; $9.00. 2.74%, $59.00. P5 C785629698EE EE $100 03/2004 03/2009, 03/2034. $50.00. $9.00 2.74% . $59.00: P5 C785629697EE EE $100. 03/2004 03/2009: 03/2034 $50.00. $9.00 2.74% $59.00. P5 00115776571 I $100, 03/2006 03/2009 03/2036 $100.00 $11.68 5.86% $111.68. P5 00115776561 I $100 03/2006 03/2009 03/2036 $100.00': $11.68 5,86% $111.68, P5 Totals for 48 Bonds 2 550.00' 935.60 3 485.60 tm (7H~Y ~ o O .~ ~> y r` ~ nr ~~~"''~a.-Y j .a-ww-~ -t ~~~~ f~ ~i4nnn4 in~na arur Notes NI Not Issued NE Not eligible for payment P5 Includes 3 month interest penalty MA Matured and not earnin interest • •r of 2 2/9/2009 10:04 AM *f+'Ja~' d a''1~~"IH/rsG 5 i ~~;~ fir f'~i III h~{{h , _: _ _ ..:- ~ ' _ ---- - ~ \ INTE - y~1 .. ''~~q~~ yyy;q~~~ _ i /J t Y/~ .. ` '_r `Y~ ~ ~~ ULi F'~L ~~j \4'/~krlr. `~ ~ ftE57" CFAS E4 30 Yc.A kS G~ ! Iljy?ke~~. _.. --a~~._I~1'~-~11~`~~ _ 'Fi20M ISStJE~D7+~T E ~ i _.. r. ~~! .. ~.L µ' ~1'~` ~. .. s_, ~_ .~ is n~ _ _ _ ~ - ,'tic c., _:~ ,< ~~ ~~253 ~I~I~~L~~` ,RI3,~~~b~1 fi~~ ~ i _ "~~ ~-~~~ ~13_~.i. ~, ~ ri _ 9.,..,~ o,.T ~sT.M~ a: _'~~~ e~I 1~NN.I~ -= y ~--- - Vw ~'~ ~ `Q4.3~~"i 6 ., ;fly ~ ~~~3~~~~,¢ ~~~.~~.~ ~~~.~~.~'+~ ..~_~.~ ~ , .~ sue..-,~-~~. ~v rr _~-r-~ ~ I ~ ~'i~~~ f F' ~ ' l 1' ('. _ ~. ~ a~.C\- •ti ; _ ~~«'.y n e ~ ~ S'MtbeV.nAe[mvr l t ~~ -~.:~;~. ~$~ T 4 -x:000,0 90-00 ?~;0 4. 00;4 3 540~_L 60Oir ~[ ~( ~ ~.. `F ` ~ ^ L~IjIS'fS'ETT~~(. .iNTFcREST GE~AS FF 30 ~'..~A RS ,~-. FR QM~159U~ ....f ~Q, f-~ -_~ -~ a . _ . .. ... 1 ~90C E [H1 IC O r_ ~ H F J I r+r ~' ~ .- i rf'f. - r= - .. ~~r. ~ ~-~,- ~. j ~ .~ w Err s -~ r ownNd arXHe =~ ~ ~~'dd`'~J'3"!'3'~.Z r-€~~~0~ ~2~~93 ~~~ `~43~~+t~'16~~ ~ ~ ., ~ ~ ~ U'~ka> ' ~ lei l - - ~"' I -'' a;, . ~';_, ~:Ll_000 900 7,i:0~4, "~0 ~,3 ~ 4O.L:'60,~n~ / _ ~1~.jr ~~~~! V~>~~~~`~)~f~~~~ ~ 1`r-~.'~.J - _ - - INTER ESYCEn:~E3 30 YEAPS ' ':FROMISS UE nA7~ ... ~4- 2 7 9 °0 9. 2°522 ~. - ~~~5 ~ 03 i ;! 2 0_n 6 F4i .:~ _'17.1 C~OJflT J ~IYF~I „ '~ ~ ' :.7ir4L'E~D S DRZAL > ~" _ .~ ~ , ~ ` ~~t `'` ~x ~ ~= ~D 3-17 ~O~b ; ~ _ 1~2~ 3 ~IC:I~NS~ LE'~Y~ ! ~'` .C'A~M P ~H ~I~ LPL ' ~ ~ ..~„ ~ ~ ,~ P'A~ 17'0.x'1- f `1 T5 . ~ ~- ~~` I„ ~ 11 11 ~ 1 I I 1I ~ ~~ I~I 11 ~ ~~I~ I~I~I ~I I~I ~I ~ ~ ~~, ~ ~ ~~~ ~ I ~~~I ~-~~. I~~ ~~ ~ , ~ ~ ~ ~ ~ . ~~~, =QR' D~N,NIS ';DRZ'AL _r~ .T_~~ s~:.ur ~~. ~1~4SCD~31°6°O:b~0~0.96,6A .0 11'50.0,12~~-00033 0.30906 X94'8 `00115Z~7=b`57 ~~: ~ ~~11~~~b5~1 ~ ~ ~ ~ ~ , s.~.,o~,~,ti;.,~ .. ~, ~~~ ~`~ 0 0:0 D'~'0 0~0 ~~~,: -2 ~, ~ ~'S~0 0 ~L~3~ 5 ~ 7':7 G 5 2 ~i^ ;, r t ' ~ - - ' - IN'TER63T CEA3 ES 30YEl~RS FAOM I SS UE - DATE ;,, ., ~7t~' j ~ ~~ ' , 279 '09 2522 -. .. ~ *,~, ~r.- ~ ~ - _ . . .; 10 ~~ 0 0 6 I . ~ +r ~ ., , ` 50C' <.. _'Cl R iv MG COURT UMBER ~' ~ i..~ rr,T ~~ ~~. . ~_. ~~(t ~ R 1 _.~.~ L'' E- 0 ' S D R ZEAL ~" ~ , ~~,~ ~~~ ~ s u = _ ~ ~ , ~ _ ~F°RB 'P~~TT ~ .' 1~2~'3 ~K::I N~S GL E`Y ~ 03-17 06 ; ~ r~, CAMP ~H~I,L~L~°- ~ ' - ~P~A~ 1~1a0;,1;1~-6~~115 s 'OR DENNIS `DRZAL ~l{4S C.03`16'06':0:0966'A 01.1500:1.20'0033 0309'06 '948 ''-0'OI157.7:656'. ~coi 1~5 ~ ~~~:~ 6 ~ ,~ F~, . ~, i s,.~,,,3.~,F ,,,,,,~, ., .,. , . ~_~.t :. ~ :~ 5 7~':,7.5~~56~ i ,. , m _ J'_~ l;,l,'~Q, ~ ,~~'~)}YYYat~1~YlY~~~~. ,,~ p~lJ~~~ `~ 1NTERESTCEAS ES ~~ VCAR_ ` l t ~'I~y 1.F~ -PROM 145UE'~ATE -_. ~. ~. 2~9 0~:~ .z~,22~ ~ ~. PATR7~T~~)I~U o:~ :2004 ~._. t ~ ,._..,e.... _ ~` ~,~, _,~~ 7i LED S 'DRZAL ~ ~ .'~ ~ ,~R~ _B_JJ F~ ~t56 UiN4~~NT5 ` ~ ~"~:1<29`3 °K_~IN~GSL~EY RED ~-~` ~ 1 ~~ ` ~. ~CfiAM`P ~ H LL'L ;~ `'=P3A _1~.0 I1 - 6.1,15 ~; 1 ~ '' r ( 1 ( ~ 1 ~( .~ _~y V w - ~~~ -r'IT/I'.I~.IIII'JIIII.I F~IIIItF.fJ71Y1~L~~Y1 ~I~ Jkll J_II''1~ ~f;~ ~~ 1 ,` -pAnNC eTAU ,~. `.'OR ~LII~kJNI`S SIRZ~L ~ ~~ ~ t ~ ,E I~;~ „ `RSI.SJM~0110~20-00.33 '~~~5553 032~~+ 6tQ,2 -- 078562.9700` . t ~RPtQdp~ ~4 i ~ ~ E K' ,~ (P ~ ~ ~ ~ ~~ ~ •~. ~ ° ~ ~~ ~ F I" ~ E° .S C K P '_ x i } G00009_QOO 7.r.:0a p 20 7,8 5E 29 ~00'i~ 1 - t. _ 'INTEREST:CEASES 90'YEARS - FROM 16511E SATE - ._ ~ ~ ~ -, zo.o ~ 27::9 :_o:~ 252.2' ~ , `PATRI`OT $0-!'°dI~ a X0,3 ~~ .r`<: ~ -; F~i2B B UHF F, z /- kY. :~ /'~~16~5W~AGEN ~6~ - .~ ~~=1293 'K.TNGSLE:Y ~RD?_, ~~ ~~ ~ ~~ e t =, ~~° 451 rC~"M~P H I L'L F'_~ ~ 7~ ~~F A 1~~7~^d011~~1 -,61~~1'_5 ~~~_.~; - ~. o~T Na sT~MP . ~~s~~~ii~~~~ir~~~~~~in~~~~~~t.~~r~~lk~cili~i~Y~lr~,i~Y~~F#+~hklh~il~: ~~,~~~ ~ FOR ~OENNI:S DR=ZAL ~ -- P `- ~ ~"'"° `` ` ~ ~ ~~ ~RsDS~M°-~O1~.arD40~1,~0-003`3 ~D~~5'553.,032r Y~-- •~~'~ :~ ~ :0785,6.29.699 ~~ . ` ..._ ~ :''D 0.0 0 9 0' 0 0 :7 t: 0~-4 ': ,~,F i' CL "7 8 5 6 2 9' 6`9 9 ~~' S'i «.~•a~9C~~r tl~~~ris s71 iirj ! . _, ~ r ~,_ - - - - --- --- ~y ~~• I ~: T R RS . /F8F9 f44~~,l~~.v<~'. ~ .~ 0 ~1~„C.~1~_ ~ ~I(~11 ~ I ~' 1~(0~~f ~ ~~i~ ~ FszoMClesue on~ EEC ~,. ,~ ,,,~..- _, ~ ~7s 09 2~5zz _~~ . P~TRIOT~aND 1z~, zo04~ ~~,; ., r~ _ r .u ~ ~ s~-„ .. .. .~~R.B _P~I~'T l ~l ~(~ _. _ = 1~ X1'5 -,D 4 ~i~ 1 ~ 7 r ~~. rssu u~.ceNr s 1293 ~K TNGSL=EY RD ~ _ -_~ ~ •~ ~~~ a ~-. ("mss T ~;P~A ~1,~€~~i ~l :6;1'15 ,~t _ LAMP HS~'L'L t~ { -t'' f S ~- „:D TNG 57/,MP ~ , ~ ~ ~~rin~~.~:~nt~~~~~~wi~s~~~u~l,r~l~-~rt~'h~~n~~i~i~~', urtI~i~il-•~ `~' .~ '~- - ~' ~~ ~~°OR ~.~.:DENN~IS DRZ'AL~ ~- a~; ~ i~ i~ ,_ 1i~~~ -~ .~ ~ ,~ SC1-2140~4A~.5~5~A 011500EL0033:120F6A~+~11 ~ ~ `0 7 9 9 6313 12 ~ ~ ,~ ~~ r- h , , w ~~ 1~~ _ ~, ~ ~ '~ ~~ ~ T, ~ ~~ ~ iii ~,~ ~ F ~ ~-C ~~9 9.~:~ 1 ~ 12 E 1 a~.C "' a ~~` -- rc~oE r 4~,..~ r ~,. r~ ~F ~ .&mtyAnf i~ ~ ,, ., .. ~,_ _ ~:000'090007~D4 ~0,0799b3:L-3 ~ 2~~' „~~ ;, 1 :, t n .,. ~~~ ~~~ x I' ~~-"~~•~ ~ INTE REST.:C EA&ES '$~ YEARS FROM, IS SU E'4ATE 279 0 4 25"22 ; ~ F F =P:f~T~1~T BAND' 'D 3 ~ ~ ; 4 ~~' _ ' ~ i ~. IZI0~0~+ - _ p~ ~ a. ~ °FRB ~BU-FF;~ _ ,,, X293 -KZNGSLE~Y ~aD ~ 0~ 0.6.04 ~ssu iyc ~nc~Nr ~~~ ,~CA~MP H~IL'L ~a; ~" ~~, ~17~~11-,b.1~15 ~~ ~~ ~. - 1 ~.~ ~aa16+`!d'~~111 I'IYIIEII~IIII~~E~~~k1e~+lc~~ljfil`~~`I ~'~, V III`' c,. f 'I \ ,~. `~ N'.~~OR DEtJNl.S'~BRZA~L ~~ ~' ~. ~'~ ,~~ ,~~{ ~,.~z; ~~ " ~;^ lj~~~~~~ ~#3RDS--*M~~Q2,1-~.00~0. 003 ~~553_ 032a'?~A~t '~ ~~ _ r, '~ # ~ ~ e ~ ~ ~ } ~'j ~~' ~~ ~~. 31E,'° , ' . ~ ~ ;I y~..~-- ~,~ -~ ~ ~07856:29~697 ~: .~ ~ ____l. <~ ~ ~ _ -~1~~.~. ~ I'k~ - ~~---= ~! ~ O 010.0 9 0"OD ~_~: 0~4 ~ 1 D..~~B 55 2°9~~6 9 '~~e'' ,: IIIIIM~'-' _ _ n IIAYIIIM'm' ~tlan ~ ~ - - ._x7 i 'x"11 ~ R1~4l~4*.; ?~lCl 7y ' ~ I ~~ lD ~~19J~~ ~ INTE8k5T CEASE-~,~O,~J ~A R9 = '~ ., .~I 3 ~, ~ ,. ~~„_,~...._.~~1 ` °KRDM ~ - _ 1J fw, <~.~ .~. .,,,...:... _.,:.-,._.._ ,,.~ . ~. iS 3U ~'IJJtTE ' -.. r ~~~ _ ~~~~ ~~ 2522 -I°~~ ~:PATRI~OTBOND to z ;~ ~ 20 0>7 ~`' fi; 4,y M SOC GEL E Ip NO ~ ~ NON ry YE Y.~r y~ _ __ y I . ~'~~ ~ - T~ L E 0 S DR Z~A.L ,, .. ~ ~: , 293 ~:KIN'GSLEY .RD ~-,. ,: ~+ "'' ~ AMP . H I`L L 'k `'"` . ~ ~ ~- ~ ~' kl- 17`01.1 ~r'611'5 w ;,Yt cwt ~ 1 '~ `. - .• N / y ~.~ ~~,rlll~~~~~I~.~~„~~II~_~~~ ~~~ I~„(1~~I~1~I~, -~~i~~~~~l~l ~°~>~~y,~ ~ ~' ~ ~ 10 ~~ ~` ' r 7~- ~~~ ~ETi 0~~ 0,~3~~, l',D~` i~~ ~ ~ ate :Q$3'S~ D Z 2~2 9 =. _ ~.e~`~~L~.,: a~ "`t -... ~..EaoEN~c ~,.~ r -~,~y~ _-~-..~~L..`D~~~~~"~~ ~_~_~ ~~~.Q_DOD'`900:0~i,'0~~, ~~ ~~ •8D83~~;D2.22~-~N := ~~ = ~ ~_ ,. ~ ' ~ r ~~~±~' SERIES. ~ ~ L ~ '. ~~"' ,~E~`~ ')~ , ~~fYM'A's '` INTEREST'.CEA SES 30 YEAPS ~k I~EyU ~r ['~ ~ ~ ~ ,.fADM I'35UE DATE. ' tJ C~ 3:. ` ' ~ ~~ ~= ~ 27±9 ,09. X522 ~y,~. ~~ `PA.T~~~T $~~ x`12 { 2 0 I Y A ~ ~~~GOC GCC HEMP IO~NG ~~~ ~ ~ I T ' ;_i a ~~ ,: ,~,, .~ T~ L E 0 DRZ-AL ~~-. Fi~~ PITT .ins ,;.. i ~ ~ T / i ~ ++ 'x"1`:2 9 3 K,I N GS L E Y R D _ _~sG~~~ AaENT~S ~ r~- ~P A ~ TAO 11'=.611:5 +~~ ~, pwTIN G~fjTAMP. " ~ ~~111~~,11a~~~,..11.~,1J;~TJ,;,xt.1~'~li~i~l`~I,`1,,~,,l~l.,l~l ~~ ~~. ~~~ i, ~: ~., 5 z2 -4 4~~,515A 01 5''0 O 1 ~:'0~0 0 3 .,1 0 GD ~+3 - ~ - ~ i ~~\ - 0,7:9,9 6 3"1:311 ' , ~. ~ ~~' bF 6 ~~.~~/ ~ ~ ~ i4 - ~r ~'s ~ 1 3~,7~N~'~ 11 ~ fi ~- ~~ ~_ -___-- ~`-. ,,.. °. ~.1~r _ ,~~9 9 b ~ 1 ~ 1~1 E,E .E_ . -~ . ~ ~ . z~~'- ~~ _ ~.:OD.00.90007~;'04 ''~~'~J: 1079963 L3'L ~,,r~ :._; ~- ~ ~ 3s, --- - ... ~ . ~ A I RI/ I ~ Ire q ~*-h INTE gESTGE A5E c, ` ~asuE okTE ~' ~ ~~ ~~ 7 9 0 9 25,2 2 ~rir....__~I ~ Fgar:~ ~_~~ . ~'``~, . _ Soy aE~,~,„ ~ „~ .... ~ ~ ~ 0 5 ~ 1~9~9~g ~~ ~ ~-~,~~~~ ~~ :7:r L E ~0 S DR Z~A L _ "~'~ ~ ~. ~~ri:,~rnE _ ,F ,~~' _ __ "", i'1:2 :9.3 ~~K I N G S L E Y. R D + I~ I 0=6 l0-~~- 9'9 ~~`~A~M`P ~H I,L=L ;~ ,`~~~i'~A ,1 r~~u~a~~~~ , I~ ~ { J 1 ~0 1 ~1- 61 ~_15 a~~ ` - _ .. ~ V.yy~y, .-! (~I~i11111II1111'11'IIIII_I~1 ~1~~4~I.Ijlll~~~ll~f~(Y~ ~ ''~~ ` '9ATlrtG SSA ~y'¢(~ `~: ~ ~ ~ er c.: ~ d~Y Y ~ ~~~ ~IYI~I. ~,~ .~~ ~t`~D~NNTS L Di,~ZA~La~ ,~` I~' t~" ~4 ` ~ . ~` ,:~- R~ ~~~OOQ2.61 OOO~D ~~1~0000 060 - ~ '"' ~~ '~ ~ ~ ~ 1.9 -~ ~~~~~,c~ ~ ~ ~- - ~ rl'~i' ~" '066683~,~~~` 7 ~~~ .. ~, ~~,~ 1:0.0,0°o9DO0~~:0~,_ ~ b~~, 5, - - ~ D~ 6 6:$ ~7~9;6 ~8 it . _ ~~. ~. ~; I ~.1 c-.~i :1 -~`~.~~~.~~ ~~~ INT ER ES'P"~E'A$a 4-3D~Ea'RS ~ ~ _ ~ .t aRaN t59~tE: [Tarp . ~ I ~- ~` z~ a 05 _ ,. r - _, I ' 19'9 9 f ~ .d ~ ~ " "" noonn"s e>,~i"o i+c ~,I-~'='j 3 L_.a ~•' ~.~ ~~~' f„LEQ S DRZA'L ' V3 is~L~ ~sl~ I r I _ ~ ~ '~ ~ tST ~'~'e.r t ~ I n ~:~,R.B , P 1~~; ;1293 ~K:I~NGSL~EY ~R.D ~ r~~~. -: ~ ~, ~. ~,,~~I~.~~ar„~,F~ ~#M.P `H I'L`L. +~, ~- ~~~` '_ 1 ~j0 11- 611-5 ~-~ ~ , ''i 3 ,~ Ali I III I I I ~~~ I i 1' -~~ ITe~-~I~ !J l~l l ~ ~"~r ~~~T ~ , on Iu m.cTR ~. i ` ~ ~~ ii! ~inu ~i! ;!r lulu ~`aa ~ ~ ~4!- .`, t ~ ~, r ' R~ ~1~30g02¢1-00`00 ~10~1~00`0 060'199 .0.12 _ ' ~- Q665879'617 ~~ - ~_~.ryJ,~.~,ry ~~ ~b ~ 6 8 ~ 9 b`1 l E E _~ .:u ~~ _ '~,00009000,7~~04 ~ ~ 106668?96 L 7~r' ~ ~' z---- ~+ ~_ ~ r-~ r(c13~7~~~1~(71 ~a~ 1~`C~d~\~T~I~I~ INTEREST CEASES 3D XE:AR~' w. `. ''7 (~ '7 i .:.~~.S..J., .. ~ ;PRUM'IS fi_UL. n,4TE '..';: ~ 279 LO 9 ZS22 ~ 1 ~'~ -. ~ ~-l• -. ~ 2 ~ 2~D O~D~ o sE_,t~;~-~ ~~. ,~ - air L':ED S DRZ=AL r ~ ~U~ ,~*~E ~~ T .' F.RB P I T~T - ~-; . r ~~~ ;1`293 KIN'G.SLEY RD'~.~~ ~ _~, ~~ {~~ V 1 'ISSUIN~~G ENT~U ~, ~. ~,~ ~~~.P -H'I`U-L ~ ~~~ a P-~4 ll~ D 1.1 - 61 1`5 7=t o,T ~ r MP :~ ~J,. `ELI I l I I 1 I I I {~ T' J I d' ~{~fri-rr1~ ~- ` ~" ai ~~~ ...... iii , r rrrrr ~rr~ rr~~(il F ,~ , ~~OR' ODE NI5 ;L D ~~~ ~~ ~~ ~~ _ ~~ ~• RDS A,~p430.0l126I-0-OO~D , 00~ 01Q201- 2~ *~~1~ Y., ,07D~664,67b Y3t ~ _ ~- _ _ ~ _ a .- -.~-~=~ , ~y ~a ~ ~ ~ b=8 4~b ~ ire . , .c t _1 .iy.fl~~/r~on~.y ~~ ~ ~ ~. ~~~; D~II D 0 9 0'0 0 7'r: 0 4 • ~ ~ ~ 10 7~Q 7 6 8 ~, .5 ~7 ~~n~~ ;' . ,i ~° `~ ~~; , t~1 ,' +, ~~~~-~~. INT,ERE5Y CkA9~~, 3p:YE ARS; 2~ +ha.~. r _y .. j. •RaP~+iss~F.-barE ~-..Ma;. L_ _~~ ,¢r :. > ~, rte, <.>__E, _.,_ i , _ 06~: 2D:00,~_~ a rf~ty~ ,T:i:LEO S DRZAL ~' sur na_ r M°;~, ~ ~ ~ ~ `RIB P-I~T,~ ' ~.4;i~ ~~ ~' ~ 7 ~e~ ~-*-'¢~1,,~93 `KIN:GSLEY RD ~ ~' A,M P HILL ~F _ - ~ ~ -~~. ~;~ ` << `,~''wa,I. ,- - _ 1P1A ~1(~7r~01 ~1-.6 1 15 .~ ,~, .~~ M x5~ ~l:j'1 ll;ll//11111.1111.11 ~111~ iL-1'CL ~-111~7~~`~-4~1-F /1 E11.1. L.I y; r: '2A Na crr.n ~ -~ xv. ~+~ > ~ FOR ~DENNI'S ,DRZAcL ~ ''~ ~, _ ~ I~, ~~ l~~.~~'a = .' gg '~ ~Rla~~.'A O~i.30;0.0.2,61-000;0 ~~~0;0000 'Ob OnO;B ,;A~'3~ ~~'~~ 4". ` ~- t E 3r 0b~~r.u733.6'0'~ k ~ 4 1. ~ ~ & F ( i i ~ ~ ills ~ ~ 1~ ~~ ~ }' ~ ~''"~ iG ! T fY E' i _ i ; .... E ; ~~ ~ ~ ~ ~-~ ~~b 9~'~~b ~~,R~ ,~ o. L ~ ~:~ 3 b~~OE~E; -~ ~ ~ ~:DDD090C1D7~:04 ~ 006946 23 3°5.011' `f .. ~' t,,,. ~ 1 '~, .,~ 3 _ \'~i~J ... I JU/<o1J~ '111~EA E6TC~k5~5_eD YSf.R'S BALL ~ttr ~ 4 - PRDM IbSIAE biiTE a. .. & a ~~ `* ,2.79 0;9 2522_~~~, ~~0_6 ~ ~~2~00Qclk .., .. ' .' ~ ~ ` 30L'SE= PMP I~ NO '^_t_r. 1~N..~, 1' Fq. `~~LE~GI`~,S ~~R~ZAL~ ~-; Y Fes: ~ r ~ ~f~B PI 1-T f~_,~ ~~ .„3 .,`K~iN:GSLE ~ ~ ~~~ ~~ >v0~ .D:S-~0 D a _ Y RD 1>' ~ = _ s~ ~ ~ ~~ ro y ~'~ P ~~H~I~L L, ` ' -r~ ~,. ~` ,, ~"''P~ <.217.~011 ~6~115 '`~ ~ ", ~~~lllll~~L~llll~l°.~-,~rlrl~~IYlrh~(~111~,~,, ;,;; A "°, , a~ r 1~ ~ .,~ 0 ~6`I 00 ~~0 ~~~ ~00~0. 063' ~ ~ ~"~~"`'~` _ ~0694n73:359 -~ ~ t .. ,. : _ ~ V -~_ ,. _ _ u~',~QL1D~9000~~i:0=4+. ~1`~~69'>~+5~-3359:3i! ~•.,,~~a~" i ~P9.t %+celOd!Y *f.41IDj.°F3V 9'd-3". .- "_ - --.___ -i It~~llla ~ ~ .' ~ y. I r. f. _. ~~\s;~l' ~ v? 1 I ,1~~~~ ~ 1 ~UJ`SjrJy~~` ~ IhTERES;. C2A~~E5 90YLAR; ....... ... .. .. ... -. FR OI.t IS SLOE-UA-f'E ' 279 09 2522' ' { ~, 0bi,' L-001 ~> - ~ `u - - - ..._ . - ~ - ~ ., t ,, - ,~,RB PITT {- ~~ ~ ~' ~~''' - 07' 03-pa Iss~~~ Rrs X12 9;3 ~K I N.G S L''E`Y R D` ~ ~E z I ~CA'~hlP HILL - ~P~1 1~~:U_1-1-6°115 { ~~„{{~~~Il~l,fff,~;lf~~l{,fl;dTf~~~l{acif{yl ~,_~ ~- ~ 'OR .,DEINN.IS DRZA'L~ '~ ~,';,~ ~ 1~'I~' i~~-~.~, :-° ~ - ' ' _ RDS A 04.30_-_00261-000 .0 ¢O[0~0000 ~06?9.010.¢,- _ t ~"'~ ~:U72~46279,p . ' ~ .... _ ..~ ... t ,.i,..y /lhr n..o.~~. :~2'~5`'tb~~~9DEE w ~, _ ~:00.0`09OD07:0~, ~ W ~, 107~~54,'62290~i' ...R.. -__. b ~~'1h~i~~4Plyfia~4~~~r - e w ~+ :~a - --- ~ . - x, ~ r ,- - --~ --- ` - -- ~ ~ x ,, F Apr -- - h ~ ~ ~ ~`".;V~ ~f ~% ~31~r1 ~ ii~il std ( ~ ~~ ` ' ~~~-t'isi'~~~I~,~~~~~.'sA~S~~ ~ „ y~~ t t ~ 11~ .~ ~~ 9 - ~NTER£ST 6EASE5 34~'EAR ~~~ > .. _., ~. .. .. ...... ~. _ =^FROM,ISS LLE-YY.~'E=: '\~ ~~ .~ s27~ 09 _252:2 ' ~~~ ~ ~ ~: pt~ ~ ~~ se~;~„ '1~` ~' ~I 0 6 ~~ ~ :2''D~Q~ - ~ ~' 'i LED r~ 'D R Z~A L ~"" „i - ~~~ ~,LI E ''S q~T ~~~.~~ ~, _ ~ ~ .-n----~-. , _ ~ R~ I'~ ~ ~ '.~' < ,. 5-~--~- ,- ~ ~ ' 0 7 =-v05 `tea ~, X9.3 'KINGSLEY; R.DI ° ~~! 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Y-+-~ . .' .00009:0'00 7=x,04 q-p 7 3088 ~`2 78ff _ . ~oaoEom~us.•.nnat~omoe ~. .:. ~.'. ~i ~=~ ^I ~•. ~•' IA "+.` ~ tlj~ y~p 1 ~IyJTI ,1.~~ .INTER ESTG~,FS ES 30jY.~k{t5 t ~~ 1 ~ FRD M~78S4E`6ATE k ~~~,~~'~ `. , 2,79 0`9 .2s~2z~ F~~ ~ ~ PATRIOT BOND, ioi ~~ _ I_~o oz~,~';~+: .. ~~ ••• 50 6fiC/E lu NCB ~. - .- ,:. 7;,>LE0 S DRZ~AL ~~ ;~ w ~ ~.~~ *E'RB P:IT~[~..' ~~1,~~9;3 }K'INGSLEY RD~~ ~' '0;1 11l8-02 ` 155 INr AG ENT.S t. ~~~M~P `H~ L'sL ~~ 1 0 1=1 .6`1,15 ~~ ~44 T~ ,'_ ~~~~~I I I I f I.I 1111111 1111 t ~Y1 ~rk 1 '~- ~1 IK 1 ~'~ - v ~_ I ~~ ~ .'~~ ~$RENNT_~ ~DRZLi~~ ~ --~ ~ ~ ~ ~ ~ ~~r ~ r~. ~~ ~ ~~. ~~~~2 7 QD,OiO ~b37fD6 'O1 ~. ~ `~ (173"Ofi82277 i~~ ~.,.. ~ ~~ ~. .~ NPt c.lq~u ~.CR..trry/.IA 5-i~ngy _' ` A ti~ '~ ~ - ~ '~ ~~; ~ ,'~'~1'[`J C10~9 ODD 7`t: Diti ~ '8:0''x,3 D 8`8 2 2 ~ ,ter n~ _; '} ~. ~` ,::~ ~° - - -~ . r I .~ S~~~ES ~~ ~ ,i INTEREST EASES 30 YEARS =: ._ ~ ~-' - ...._.. _.... .... -.... .FROMI59 U.E'UATE ~ ~~ 1 ~ ti~ .. `;2~7~9 09 2522 ~,~" 12~~ ~~L':99 f9"~~' ~~ ~ ~~, - ~ " '~--'"~~,~.~~ .TEL E 0 S tD~RZAL ~ -~ ~~ r F ~~~I ` . ,-~ t _ ~~ ~~ , ~ F<R<b F'.I~T"T: "~~~,,'29:3 ~K.IN;GSL;E:Y ~RD ~~~ ~ ~ ~ ISS~~~~AG~ s ~~ - ~~°A~M.P H I L.'L ,~ r '~`-~P A 17a~0.11°- 6.1 1'5 - _ ,c~ r Y~ 4~~~~IIIt~I'11111k 1~I I1 t1IfI 41111 [il ~I~IJ'~~~IC'1111 ~1/llll fl ~ 1~~_ ~ nnRN .;';~ ~: ~: '.r~`==.cs.sc~~ :t, .~s+.c---~=r-, ~0' rm `.,'{~ ~ "~.ENNI.S' L I)1~A~ ~~' ~ a-- ~ I~} ~~i ~Ic~ r. +~~-~ _r ~ ~'`- ' R~T~a 43 X261-0000 X0.00 O10~Q0 0 ~`1~`"~~~.~' :068~~I;2937~~; ~ ~' ~ ~P ~ u ~ ~al• ~ ~ vw.a+,~ _ v~L7_, ~,.~~_ ,• I J f ~. ~M.. '~-' f ~ I E-. ~ „ `. ~r ~-..,ery~~~.;~...~, -~- ~~~b ~8~51 ~2 ~ ~ 1 ~~ ~~,Ey ~~ - ~, \ , ;~ ~,:.D CTD:O-9.0'0 0 ?'~::0°4 8 0:':6'8 5 ;L ~.2 9'3 ~ ?'ii'' ~-~ i'ce`- , ,, ~ v~; / ~~ ~^~1 ~~~\ 4 j ~~.: _ /~} I~~:YY I1~ITlT.Yi~'Y1 f~57?`r~~\l~~J Ilv l'ERE6T GE0.5 E5 30. YEA RS i~ ll 1-ll~vT n .V Il' I ~~ ~V~ ritt~~ 1{\41dtl' `~11 . {{ ~r~! ~ `-^+`~~~'~~'1 ~FiZOM~19 `r l7E QAiTE ._ LS ..... _ z~~ ~0~9 2522: ~ ~`~~ ~.P'ATRLOT ~I3C1ND ' 12 ,. ~, °2.003 ... ~G r,~_ ~: ~,~. .. 7o LEO S DRZAL '~~ .~-~=~.. a ~~RB BUFF ; ~ ~',''1~;2'9.3 ~K~I N_GS L E Y RD_ _ _ ~ 13~U~NG,AOEHT :: y; ' ~ .`I~~~i1t1P HIL-L q'~_-E --(~~ ~~7~~(P'A _.11~'~7~011-_b115 j:'~'"' U-- oArN~sr^MP ~ ~,fi~F~1.~n~~~~~~~in~~nW~~ ~Fiu:i~l~iiilli~l'Ir~r~FkufUl.t-rt~~~f~ °i;~~ ~ ~>~, ~. __ ~• ~ r ~ i i.;,jpp.~ e ik .~ _ _._ ~- r+ .aa RD - ~ ~~,1'5,Od~=~. - ~p `3:6 Uz'~6.~ ~lir °~°°, < _x. \;OJ8018~+38~8 ~; ,. F ~ ,,. '~~~e~ak~'~~~. ~` ~ IFS i ~ ~ r ,~ ~~ ~'9b ~-t, r~ ~~. K ' ~ , - _~ ,. r_ _ - _ ~~~ __ - ~`- ~`"~z8 018 °~- ~8 ~ ELt ~~':.0~0009.0"00 ~~~:04 . e,° 90 7~80`k84,38:8~~' }( ' ~ ^~'(hV~'rR~j(~T3K2~ - INTERE STC EA6E5 30~YEARS .~1 ~i ~,~~~IIry S'.~. RV~~I~I'1~l'Yc~l\~~ FROM:(SStJ E'-PATE ~P :~~ ,, 2.79 ~0 9 z5 2~2. yip Pig ~1TRIC~T I3~ND ,12 .2 0 0 3 , . ~; ..._ ; ~'~ ~~*' ~ ~' FAR B B-U FF ~.~ `1~'~-~ ~ r- ~ , ~~ ~_ _ ~ ~-~ ~l`2 ~l~b- D 3 ~ - ISSUIN OENTIS -~ 12 9.3 'K S.N GS L E Y RDr ~ ~ '; ~ ~ I ~ ^ ~` ~ ~'ghh;F? W Z;L L ~ ik _ ~ E~~~,::~PlA~=1~i0~1~ 6~1-15 ,.~.~._= I o.rlN~ sT~HF ~' ~~T h~,~.~~iu~~~i~n~~~~ri,~~~~l~ri~l_FI+ ~I~G {{~~}r~r) ~ ~~~ r~ "`Y~ ~: ~ z -~ _ * RrIl~ ~t''~. ~~1.~1`,~iD;U 1~2 ~~,, ~ ~ ~'6 0,p 9 - ~~~~;~~ ~ 0 7 8.0:18 ~+3 $7. ~n ~ ~ ~~,~.~; ,~. ~.~ ---~~ ~1~8~01y8~4 ,8'.8 ~1 FEE Estate of Leo S. Drzal Pennsylvania Inheritance Tax Return Form REV-1500 EXHIBIT F Documentation of Expenses RECEIPT FOR PAYMENT ------------------- ------------------- GLENDA FARNER STRASBAUGH Cumberland County - Register Of Wills One Courthouse Sc{uare Carlisle, PA 17613 DRZAL LEO S Estate File No.: Paid By Remarks: ------------------- Fee/Tax Description 2009-00184 TENA L EMBICK CJ PETITION LTRS TEST WILL SHORT CERTIFICATE JCP FEE AUTOMATION FEE Check# 99 Total Received......... Receipt Date: 2/25/2009 Receipt Time: 12:51:17 Receipt No.: 1055847 Receipt Distribution ----- -------- ------- ---- Payment Amount Payee Name 310.00 CUMBERLAND COUNTY GENERAL FUN 15.00 CUMBERLAND COUNTY GENERAL FUN 24.00 CUMBERLAND COUNTY GENERAL FUN 10.00 BUREAU OF RECEIPTS & CNTR M.D 5.00 ---------------- CUMBERLAND COUNTY GENERAL FUN 364.00 364.00 ~ /~ ~, ~. A Family Tradition Of Caring` I'ARTHEMORE Funeral Home & Cremation Services, Inc. Mrs. Mary Lou Roe 1706 Kent Road Camp Hill, PA ] 7011 For the Service of Leo S. Drzal I ,0 ~ Bridee Street P.O. Boy 4.1 New Cumberland. PA 17070 (7171774-7721 (FaxJ774-5546 ~a/w~~.parthemore.com Gilbert W. Parthemore. Founder Gilbert J. Parthemore. Supervisor Stephen K. Parthemore, CFSP Bruce R. Parthemore. Pre-Need Coordinator.. CPC Professional Memberships: NFDA•PFDA DCFDA • CCFD.A In,ernn nm,J (Irtlrr y/Iln Gc~ LI DEN ULE The Hlrl/ )ill/ hlll„~. Tlrl !'c•ul//t roll ~l'Ir.cl ~ on ~t d~ ~.~.. , We sincerely appreciate the confidence you have placed in us and will continue to assist you in every way we can. Please feel free to contact us if you have any questions in regard to this statement. The following is an itemized statement of the services, facilities, automotive equipment and merchandise that you selected when making the funeral arrangements. I Terms I Due Date ~ Account # -~ Net 30 1/11/2009 2008110.8 Description Amount SERVICES & MERCHANDISE Graveside Service Grouping 18 Gauge Steel Casket in Bronze 3,964.00 2,650.00 Total Services and Merchandise 6,614.00 CASH ADVANCE ITEMS 20 Certified Copies of Death Certificate Clergy Honorarium 120.00 Grave Opening 150.00 450.00 Total Cash Advances 720.00 ~ ~«y ~©~ ~- ~~n~. ~~ ~ ~ ~ ~ °~ ~ ~b v ~ ~ ~~" ~.x., ~ I,..Q.,l ~ ~ o ~ ~~~(..a,~ , ~~ ~ `~ Total Payments/Credits Balance Due ~~-:.. - ___ F: 12/12/2008 $7,334.00 $6,614.D0 t `~~ ~ ~ I rte ~ ~ ~~ZI -- i O D D /fl 4 r i 7 o z 3 o n n ~ c> -a ~ 33+ ~ 3 ~ a O. O~ a ~ O O O n O~ ~. 0 ~ ~ cm ~-t f. F' m m c z co ~ o' ~ 3 ~ 2 '^ ° m 3 °i ° ~ ~ ,~ ~ ~ m fD 3 ~' d. ~ ~ u°, < 3 a O ~ cn N ro O -- n m ~ c~ a ~ °-' ~ m ~. 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N ~ u3 3 yV' 1 ~ fD ~; lG ~' to : ~: n 0 : ~ rn rn <n s+ w Fn r n to Fn v+ to w w ~ R v m 0 v N 7 .~ ~~ T 'D O b ~_ o ~ d z o m ,~. ~ ~ ~ ro o '' -o ~ ' D O o w x ~ m ~ = T n ,a O $ ~p T7 w Nm ~ to 0 ~ ~ N fD w Z y a f O^ n (7 m C N O ~ ~ n ~ D ~' _ fD ~ V y ~y o ~ y},} ~ ~., 0 '0 ..~. ~ 0 (D f C~i ~ ~ ~ ~~s. A ~a v N ;0 N ~ (~ Z a d ,,,r O °m N 0 w m O 0 N N D ~ N ~ m ~ N 1 ~(.J~ ~t 929HSE ~ 1/Oi Erie° Insurance Group 100 Erie Ins PI. Erie, PA 165J0 717-564-7071 AA7221 MURDOCH INSURANCE NAMED INSURED LEO S DRZAL 1293 KINGSLEY DR CAMP HILL PA 17011-6115 HOMEPROTECTOR POLICY NUMBER Q50 0201306 OTHER INTERESTS f ~ ' / I '~ ~` SEE INVOICE BELOW ~, SEE REVERSE SIDE FOR CLAIMS DIRECTORY INFORMATION ~~ ~I J ~ ~~ ,~ ~- ; ~- ~ ~~ _=- 3 ~ ~, - ~~ ~~` ~ '= -~ G D RETURNED PAYMENT FEES WILD BE ADDED TO YOUR ACCOUNT • NAMED INSURED - PLEASE REFER TO PAYMENT PLAN INFORMATION ON REVERSE SIDE. 12/2o/os Erie ,~ Insurance Group 100 Ene Ins PI Ene. PA 16530 CONTINUATION NOTICE ERIE INSURANCE EXCHANGE HOMEPROTECTOR POLICY EXTRACOVER AGENT ` ITEM 2. POLICY PERIOD POLICY N:UMBFR AA7221 MURDOCH INSURANCE 02/02/09 TO 02/02/10 Q50 0201306 H >ITEM 1. NAMED INS~WRE[3 AND>sADDRESS ITEM>3. OTHER INTEREST LEO S DRZAL 1293 KINGSLEY DR CAMP HILL PA 17011-6115 AGENT - MURDOCH INSURANCE ***** AGENT PHONE - (717) 564-7071 4614 DERRY STREET HARRISBURG PA 17111 2659 COVERAGE BEGINS AND ENDS AT 12.01 AM STANDARD TIME AT THE LOCATION OF THE INSURED PROPERTY. UNTIL TERMINATED, THIS POLICY WILL CONTINUE IN FORCE. LOCATION OF RESIDENCE PREMISES IF OTHER THAN STATED IN ITEM 1 OR IF SPECIFIC DESIGNATION IS NEEDED. ZIP CODE - 17011 LALLEN TWP CUMBE CO PROPERTY INFORMATION - PRIMARY RESIDENCE, YEAR OF CONSTRUCTION 1951, ALUMINUM OR PLASTIC SIDING, PROTECTION CLASS B. PROPERTY IS WITHIN 500 FEET OF A FIRE HYDRANT AND WITHIN 3 MILES OF A RESPONDING FIRE DEPARTMENT. AUTOMATIC ADJUSTMENT OF COVERAGE WAS APPLIED TO DWLG. COVERAGE IS PROVIDED ONLY IF A SPECIFIC AMOUNT OF INSURANCE IS SHOWN. SECTION I - PROPERTY PROTECTION AMOUNT OF INSURANCE PREMIUMS DWELLING $ 182,500 $ 302.00 OTHER STRUCTURES $ 18,250 PERSONAL PROPERTY $ 136,875 LOSS OF USE LOSS SUSTAINED NOT TO EXCEED 12 CONSECUTIVE MONTHS SECTION II - HOME AND FAMILY LIABILITY PROTECTION PERSONAL LIABILITY - EACH OCCURRENCE $ 300,000 MEDICAL PAYMENTS TO OTHERS - EACH PERSON $ 1,000 PREMIUM CHARGE FOR INCREASED LIABILITY LIMITS $ 12.00 FULL TERM PREMIUM FOR THIS RESIDENCE - - - - - - $ 314.00 FULL TERM ADDITIONAL COVERAGE PREMIUM - - - - - $ 492.00 TOTAL PREMIUM FOR `:HIS POLICY - - - - - - - - - $ 806.00 SECTION I DEDUCTIBLE $ 100. AUTOMATIC NO-DEPRECIATION SETTLEMENT APPLIES TO DWELL ING AND OTHER STRUCTURES. APPLICABLE FORMS - 2003 02/01, HP-PA 09/08*, OF-8705 06/96*, OF-6523 01/06* OF-9013 05/06*, HP-FN 02/03, OF-3813 07/06*, OF-4779 08/07*, OF-2106 , 04/08* OF-4810 03/08*, HP-CT 12/01, HP-CZ 02/01, HP-AAN 01/ 97, HP-BD 02/01. , Erie ,T Insurance Group CONTINUATION NOTICE 100 Eiie Ins. Pi. Erie. PA 16530 ERIE INSURANCE EXCHANGE HOMEPROTECTOR POLICY EXTRACOVER - --- ACaI~NT» ITEM 2. POLICY PER#00 POLICY NUMBER ............. . AA7221 MURDOCH INSURANCE 02/02/09 TO 02/02/10 Q50 0201306 H LEO S DRZAL 1293 KINGSLEY DR CAMP HILL PA 17011-6115 LOCATION OF RESIDENCE PREMISES IF OTHER THAN STATED IN ITEM 1 OR IF SPECIFIC DESIGNATION IS NEEDED. ZIP CODE - 17011 LALLEN TWP, CUMBE CO 1295 KINGSLEY RD, CAMP HILL. PROPERTY INFORMATION - ADDITIONAL RESIDENCE #2, YEAR OF CONSTRUCTION .1951, FRAME, PROTECTION CLASS B. PROPERTY IS WITHIN 500 FEET OF A FIRE HYDRANT AND WITHIN 3 MILES OF A RESPONDING FIRE DEPARTMENT. AUTOMATIC ADJUSTMENT OF COVERAGE WAS APPLIED TO DWLG. COVERAGE IS PROVIDED ONLY IF A SPECIFIC AMOUNT OF INSURANCE IS SHOWN. SECTION I - PROPERTY PROTECTION AMOUNT OF INSURANCE PREMIUMS DWELLING $ 177,000 $ 385.00 OTHER STRUCTURES $ 17,700 PERSONAL PROPERTY $ 37,450 $ 60.000I LOSS OF USE LOSS SUSTAINED NOT TO EXCEED 12 CONSECUTIVE MONTHS SECTION II LIMITS OF THE PRIMARY RESIDENCE APPLY TO THIS ADDITIONAL RESIDENCE. SECTION I DEDUCTIBLE $ 100. AUTOMATIC NO-DEPRECIATION SETTLEMENT APPLIES TO DWELLING AND OTHER STRUCTURES. APPLICABLE FORMS - 2003 02/01, HP-PA 09/08, OF-8705 06/96, OF-6523 01/06, OF-9013 05/06, HP-FN 02/03, OF-3813 07/06, OF-4779 08/07, OF-2106 04/08, OF-4810 03/08, UF4758 09/08*. NO BUSINESS PURSUITS ARE CONDUCTED AT THE PREMISES, EXCEPT AS FOLLOWS - ADDITIONAL COVERAGES PREMIUMS YOUR PREMIUM REFLECTS YOUR SELECTED DEDUCTIBLE ADDITIONAL INSURED LOCATION - LIABILITY COVERAGE ENHANCEMENT ENDORSEMENT INCLUDES UP TG M10,000 AMOUNT OF INSURANCE FOR SEWERS OR DRAIN BACKUP COVERAGE PREMISES ALARM SYSTEM - TYPE 2 CREDIT FOR DUPLICATION OF SECTION II LIABILITY ADDITIONAL INSURED LOCATION - LIABILITY COVERAGE 1 FAMILY, RENTED DWELLING INCL ABOVE $ 17.00 $ 57.00 $ 12.000R $ 5.000R i ~~G~~ ~i'ou.r -A'~'8,z'~' statement OctoUer 27 - Novenibe>!• 26, 2008 ~6:NMCJFM ~09r]201179693019tr B I~~~III~„III~~~~~~II~~~II~II~~~„Il~~~ll,l~l~il~~~ll~~~l~~~ll MR 1.E0 S URZAL 1293 KINGSLEY RD CAPAP HILL PA 17011-6115 s reviaiis i~alar~cc ..........................................................................10.40 ayment receivEd Nov 20 - 1"hank you ...........................................-10.40 T&T Value Rate Plan calls .............................:...........p 2 ...............7.76 ~ther charges and credits ...........................................p 2 ...............4.48 axes and surcharges .................................................p 2 •..............1.45 I otal amount due 513,69 ~ ate duc I ~' Extra! Extra! Tune in to the tracJition. C)nce a year, I~iunor and glory converge upon the aridirgn in the annuaLArmv-Navv fnn+h~u na a This lease write the number "0902010969301" on your check or coney order made payable to AT&T. Do not send cash. Do ~t staple this portion to your payment. Thank you. I otal amount due $13.69 ~ ate due December 21, 2008 Customer ID: 717 737-1881 0109693 Page 1 of 3 Customer Service: 1 800 222-0300 Text Phone (TTY): 1 800 855-2880 Internet Address: www.att.com _•f~1~ Extra! Extra! G~ AT&T is a proud sponsor of the 109th annual Army-Navy football game. Catch all the action live on CBS-TV, Saturday, December 6th at 12pm EST. Benefit ne~~s Why more customers are choosing online billing! Simply visit www.customerservice.att.com to manage or set up your online account. at&t MR LEO S DRZAL at&t Oct 27 -Nov 26, 2008 Customer IU: 717 737-1881 ~ ~~i~i~~~~~ni~~~i~i~~~i~~~~~i~ni~~~~~{un~~~i~~~~~n~~i~i~~~~n~~~~~~~ AT&T PO BOX 8212 AURORA IL 60572-8212 ~~llllilll~lllilll~llll~llllil~il~ i~~ill~i~llllliii~l~lillllilli .~.~.~.~ Amount enclosed: $ Automatic Pay I ~ Moving? It's hassle free with AT&T. Check the box, print your new address on back. Decemher 21, 2008 09020109693011170100DDD001,3690000001369DDDDOD13696 `~ P~~Sbu 9h, pa.r r er,~an Water `_ FOr Ser~~ce TO. / SzS~ ~4 r2 293 Kings/ey Rd ~1e66) ~ 1~,,// AV ``` ~ S ~ ~ ~ ///,,, ~ I f //2q ~6)/2866)i CqM k N~SgC ,,,1 /ill ~~~''~~~1/,/%~ cGQ~H Hl~~ pq YR~ ,1,,,,1/,,/,/~l r~orr srrs Upp2yp63192p BpppppppppppQ3 322p1 S • ~ AIVjDUNT DUE DVE DATE $3 AMDUNT Pq Dec 29 2 JD ECTRpNIC PAYMENT ~~ /iO- ~?f1~/~~k~~erei ppnnSYJ~anJa Cvsjo - 9eyo~ra~%~~Sy20.yei / P~ttsbur 37x4 r2 merman water .ors /rler'gcCO ..~!/9/~P/p~~~~he~s~on ~~~llil~/ , 9'h, f~$. er~ic o• 4nj Or • •,.kr~bQt Gi~,iiG~ yo ~~ lil,/,l,ll 1,,,1 r525o'7412 e T /nf _s~w ~ io ~~• C~Unt r S ~r2a/ oaf/fin 'n~ln/r~~n~~/iP~~~ eVi// ~/~r/,,,//ii/~/~~//~/ n7/se ;I yU~~eer: 2 ~6~ ~n9s/e y Rq ~///!/)y ". e~,~e Sine 3 3 & 4/h 7g per/o r 24 C3j 4 p ` Pr~pr' .Prior ea~aty +'":~~~,,:;• ._ _ . r Date: ~ d c~ /yje jet Payee atered~anance...., aerioq: No C~ 20p8 /hfp/'ryje o nt .. un hg Ohl 3 to D ,e• Resiae oa/~ Ja" ~ p2p~9 days) lin9s in c nt tuaN~44737S42 bllaln9' Aer~oq• 5/8./n 'ed 6 s80~0 ch meter. 3p~~ ~~Aarl s usage !n ~~! hu`~dred 9a//°ns. _~s, Tots/pri Sprior~o p c ~ U la p 9 2 `. • `C ten nce, 08 Tha `serve c spp8 nksi 334 6 Uha~ge Water Ch ~ ~ ate c e r Vo 1 °ta/ h ~ ~ ~,,9e 2 4Q% 3 D~OJ usa l/eq o 0 ..gMo~NT 12 • DO 2D 4 0 EVE . . 3 __ 10, oUendp 3 22 E ay~en1 bank a0QO4nt ~ ~~ °Un~ pU '33.22 w 2g 20os ~ // be deduct ea ~.._.`' co m ca st® Vlslt us on the web at ~v~vw.comcast.com ACCOUNT DATE TOTAL ~ . NUMBER DUE AMOUNT DUE ~ ^ ^ 09547220166.01.5 None Due $57.26 / Indicates the Comcest services you subscribe to LEO DRZAL For service at: 1293 KINGSLEY RD CAMP HILL PA 17011.6115 How to reach us... How to reach us: 4830 Carlisle Pike, Suite D-14 Mechanicsburg, Pa 17055 (717)540-8900 Telephone Customer Service 24 hours a day, seven days a weak News from Comcest Summary of Charges Statement Prepared 12/07/08 You are enrolled in the Comcest Auto Debit Program. The total Blllad from 12/18/08 to 01/17/09 amount due will be deducted from your account on the 1st. Previous Balance 57.26 Thank you for your prompt payment. For your convenience, we Payments (received by 12/07/08) 57.26 cr now accept regular and automatic monthly credit card Comcest Cable Television 53.95 payments and direct debit. Taxes, Surcharges & Fees 3.31 Hearing /Speech Impaired Call 711 Total Due $57.26 ~~ ~ Detail of Char es on back -, n~, g G' ~. l~I ~,~, ~i ~~l l ~ ~' ~~ `> COMCAST CABLE ~omcast® LEBANON PATR7046.8317 ADDRESS SERVICE REQUESTED #BWNMZNH #PIEDGBBPAFFPA2# AV 01 012717 779658 32 A"5DGT ~~~~~II~~II~~~~~II~II~~'I~I~~I~I~~~~i~i'~~~~~i~~~ll~~l~ll~ll~~~~l LEO DRZAL 1293 KINGSLEY RD CAMP HILL PA 17011-6115 Please detach and enclose this coupon with your payment. Do not send cash. Make checks payable to: COMCAST CABLE Date Due None Due ~I 000.12-oe-c-c Account Number 09547 220 1 66-01.5 `,, r Illlilllll~liii~llll~illl~~~lil~lllnl'I~~I'~I"IIII~'Illll'~~II~ / ~ COMCAST CABLE L'' P 0 BOX 3005 SOUTHEASTERN PA 19398-3005 Total Amount Due AMOUNT ENCLOSED $57.26 $ 09547 220166 01 5 7 005726 _~ .--- BAS JIAV/C! Billingg Summary for Service to: LEO S DRZAL 1293 KINGSLEY RD CAMP HILL PA 17011 ^ G Past 8111 Information -UGI Utility CUStamer;NumtieC. The account balance on your last bill was ................ $ 60.83 "` ' Thank you for your payment of ..................................... -60.83 218 191 4916 09 Your balance as of 11 /26/2008 ................................... ~.p~ Rate Classification: Residential Heating Billing Period: 10/23/2006 to 11/24/2008 (32 days) Remote Device Read Questions? Call 800-276-2722 or write to UGI at PO BOX 13009 Reading, PA 19612-3009 'Your current UGI charges include State taxes totaling $ 4.64. Current Bill Information -UGI Utility Customer Charge .............................................................. 8.55 Commodity Charge (80 CCF at $1.24950) .............. 99.96 Distribution Charges (First 50 CCF at $0.47500) ... 23.75 Distribution Charges (Next 30 CCF at $0.41067) .... 12.32 PA State Tax Surcharge .................................................. -0.34 Total Current Charges -UGI Utilityy ............................... UGI Utility charges owed this hlll ................................................................................. S 14d.24 Total Amount Due by (12/22/2008) ................................................................................. S 144.24 4.50 4.05 3.60 3.15 2.70 2.25 1.80 1.35 0.90 0.45 0.00 Average CCF Per Day NDJFMAMJJASON 2007 Months 2008 • =Estimated Usage Last This Average Year Year CCF/day 2.31 2.50 Daily temperature 53°F 44°F Meter Information -Next Read Date December 29, 2008 Meter Number Previous Reading Present Reading CCF Used 1176366 4714 (remote) 4794 (remote) 80 Messages from UGI ^Yourcurrent price to compare is $ 1.24950 /CCF. ^Yourtotal annual usage is 663 CCF. Your average monthly usage is 55 CCF. We can make your energy costs easier on your budget with our 12 month Budget Billing plan. Your monthly payment would be approximately $ 105.00. For more information about this plan call UGI. ^ Help prevent pipeline damage, accidents and service disruptions. Call 811 before you dig Keep this part for your records. Important Information is on the back of this bill. UGI Utilities, Inc. _ PO Box 71203 _~~ Philadelphia. PA 19176 = CAS SEAV/CC Customer Number 218 191 4916 09 RH The amount due will be deducted from your chocking account on December 22, 2008. Due.Ra e December 22, 2008 I~~~III~~~lll~~~~~~ll~~~il~il~~~~~ll~~~ll~l~i~l~l~~~~lf~~l~l~l ~ ~ f ~**********AUTO**5-DIGIT 17011 LED S DRZAL ABC PLAN 1293 KINGSLEY RD I Wlth Late Char e CAMP HILL PA 17011-6115 /~' ~.~ ~~_•: v~, ABC PLAN 260 2181914916091222D1D001442400018000DOOOOOOOOOOOOOOODD03 PPL Electric Utilities i r r t `k ~ Art' 4 l.P~p~ ~ ~~ . ~,.. M•-- ~ti„, ~~ ,.. Page l ..;. ,., . Yaui I3,}Il i4tictiiipl,l,~t~6er 34860-77000 .. o:~ ~lliii w.~~ittiii ~ <;::::<;::;:;: Electric Summary Page Service Balance as of Dec 5, 2008 $0.00 For: Charges: LEO S DRZAL Tota1~PL ELECTRIC UTILITIES Charges $7].38 1293 KINGSLEY RD CAMP HILL PA 1701 J Total Charges $71.38 `>OI##>!1ltt~t!.t.~ ~~1~ ~~ . ~ne~'l: ~; :~,: ~fl[l`S ....::. .: ~`~Z.~.: ... . .:.:...... . Account Balance ... $71.38 Questions about this bill? Please contact us by Dec l9 at 1-800-342-5775 (1-,800-DIAL-PPL) or write to: Customer Service 827 Hausman Rd. Allentown, PA 18104-9392 www.pplelectric.com Electric Use This graph shows your electric use over the last 13 months. Types of Meter Readings: Actua] . Adjusted Estimated Customer 72 60 48 36 24 12 0 KWH -Average Per Day D J F M A M 7 JASON D 2007 Months 2008 Meter Reading Information Meter #74372804 Dec 5 Actual 79122 Nov 5 Actual 78484 30 Da s KWH Billed 638 Average -Dec 2007 2008 Tem erature ~ 40F 4]F K Per Day 28 2] Yearly Use: Total Average Use Month]}' Tan 2007 -Dec 2007 15471 1289 tan 2008 -Dec 2008 12077 ] 006 Other important information on back ~ ... ~' 011t::~~E11~~Gotittt 3`1ti7At~c( 34860-77000 AV 01 013408 652428 72 A"5DGT LEO S DRZAL 1293 KINGSLEI' RD CAMP HILL PA ] 7011-61 15 ;.. ~o:~Pa $ .. ~ ......... ~:.1?.a Tlttcttitiiatusk ~.i:~: Auto Pay PPL ELECTRIC UTILITIES 2 NORTH 9TH STREET RPC-GENN1 ALLENTOWN PA 1 81 01-1 1 75 i~~~~~~l~lllil~~~~~i~~n~llil~ll~~i~ii~~i~l~l~~ilnillill~l~lli~i 1 4600000713860000071385 3486077000 0784021NY1N0D000666 j TEHA L EMBICK 1004 MEW CUMBFAlAr10. PA 170711 1, `p ipq,y ', // ~[~-nsee7s u ~~111L~ ~~ ~ ni- ~-~"-~-rte, o~u~a a CO/1N)7BIC@ ~ .- CBHRI(A N. ; ~ c.m.~,w eMr ~~ I:D313Di8-.61: 53 678942 3z' 1004 ,~~DDDG G5ti78,'' t:neck lUU4, $54.78 Date Presented 03/12/2009 Date 0 410 9%2 0 0 9 Account 536789423 TEN4lEMBICK ~ 1007 nz wwoiHa NEW CUMBERLNIa, A t~n1p ~ ~, ~ ~ ~Ir,n[/ / n.7ra'E/5)s R moot a CO/11/II@lCB •.• - ~Ba~k ,w ~•.~~ranrv,.e[A.~r I:D 30L846[; S3 678942 3m LO07 ~nect< iuui, ~;~y9.75 Date Presented 03/23/2009 Leon D. Gerlach, Appraiser Commercial, Industrial & Residential 305 West Shady Lane Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 BILL TO Estate DRZAL Leo Estate 1293 Kingsley Road Camp Hill, PA 17011-6115 INVOICE 'Forward to Accounts~Payable REFERENCE Invoice #: DRZAL-6H Potts Hill Ro. Invoice Date: 02/25/2009 Order Date: 02/06/2009 Appr. File #: H0902021 L Case #: DRZAL-6H Potts Hill Ro Client File #: DRZAL-6H Potts Hill Ro PO #: Tracking #: H0902020L DESCRIPTION Borrower: Leo S DRZAL Estate Property Address: 6H Potts Hill Road Lewisberry, PA 17339 , BILLING AMOUNT $ 265.00 ---------------- - ---------------------------------- Total ---------------- $ 265.00 Payment 1 Check #; Date: ~ ~ Terms: Payment due upon receipt of invoice Balance Due $ 265 00 Federal Tax #: 25-1684027 . PLEASE SEND A COPY OF INVOICE OR INCLUDE FILE No. WITH PAYMENT FOR CORRECT CREDIT -------------------------------------------------- lease Retwn This Portion With Your Payment' to ~ V1IACAIT Leon D. Gerlach, Appraiser Commercial, Industrial & Residential 305 West Shady Lane Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 BILL TO Estate DRZAL Leo Estate 1293 Kingsley Road Camp Hill, PA 17011-6115 irvvoic~ * Forward to Accounts Payable REFERENCE Invoice #: DRZAL-6F Potts Hill Ra Invoice Date: 02/25/2009 Order Date: 02/06/2009 Appr, File #: H0902020L Case #: DRZAL-6F Potts Hill Ro; Client File #: DRZAL-6F Potts Hill Ro; PO #: Tracking #: H0902020L DESCRIPTION Borrower: Leo S DRZAL Estate Property Address: 6F Potts Hill Road Lewisberry, PA 17339 BILLING AMOUNT $ 265.00 ---------------------------------------------------------------------------------------- - ---------- Total ---------------- $ 265.00 Payment 1 Check #: Date: ~ ~ Terms: Payment due upon receipt of invoice Balance Due $ 265.00 Federal Tax #: 25-1684027 PLEASE SEND A COPY OF INVOICE OR INCLUDE FILE No. WITH PAYMENT FOR CORRECT CREDIT 'Please Return This Portion Wilh Your Payment ' r+ ~ ~i~ecw~T Leon D. Gerlach, Appraiser Commercial, Industrial & Residential 305 West Shady Lane Enola, PA 17025-2240 Phone 717-732-5052 Fax717-732-6646 BILL TO Joe DRZAL Leo Estate 1293 Kingsley Road Camp Hill, PA 17011-6115 INVOICE * Forward to Accounts Payable REFERENCE Invoice #: DRZAL-1293 Kingsley R Invoice Date: 02/18/2009 Order Date: 02/06/2009 Appr. File #; H0902018B Case #: DRZAL-1293 Kingsley R Client File #: DRZAL-1293 Kingsley R PO #: Tracking #; H0902018B DESCRIPTION Borrower: Leo DRZAL Estate Property Address: 1293 Kingsley Road Camp Hill, PA 17011-6115 BILLING AMOUNT $ 215.00 ~ Payment 1 Check #: Date; Total $ 215.00 ~ ) Terms: Balance due upon receipt of invoice I Balance Due I $ 215.00 Federal Tax #: 25-1684027/sp PLEASE SEND A COPY OF INVOICE OR INCLUDE FILE No. WITH PAYMENT FOR CORRECT CREDIT ------------------------------------------------- ' Please Refurn This Portion With Your Payment' Leon D. Gerlach, Appraiser Commercial, Industrial & Residential 305 West Shady Lane Enola, PA 17025-2240 Phone 717-732-5052 Fax717-732-6646 BILL TO Estate DRZAL Leo Estate 1293 Kingsley Road Camp Hill, PA 17011-6115 ti. INVOICE `Forward to Accounts Payable ` P.EFEP,ENCE Invoice #: DRZAL-1295 Kingsley R Invoice Date: 02/19/2009 Order Date; 02/06/2009 Appr. File #: H0902019B Case #: DRZAL-1295 Kingsley R Client File #: DRZAL-1295 Kingsley R PO #: Tracking #: H0902019B DESCRIPTION Borrower: Leo DRZAL Estate Property Address: 1295 Kingsley Road Camp Hill, PA 17011-6115 BILLING AMOUNT $ 215.00 -- ------------------------------------------------------------------------------- Total ---------------- $ 215.00 Payment 1 ~ Check #: Date: ~ ~ Terms: Balance due upon receipt of invoice Balance Due $ 215.00 Federal Tax #: 25-1684027/sp PLEASE SEND A COPY OF INVOICE OR INCLUDE FILE No. WITH PAYMENT FOR CORRECT CREDIT 'Please Return This Portion With Your Payment ' ~~ ~'; o S~%~ G/C ~ ? 2-~~ 15 NATURES CROSSING ENOLA, PA 17025 .~ ~ SOLD TO SHIP TO i 2.93 K/ N~s~~.~~ ~~ ' ~ ~ ------------ --- --,~~O1/E ~i(1/V 7, ~S'TAi..C., /1i~1,,/ f'AN iN ~~TC/ ' !U • --- --- 1"~s~// cry ,~t~,~; ,~ ~~,~~ ~r~;~v~~~,~ - --- _-- i --- --- /l7!rF~Ri~ --~~/v~ i~~~ ~~4~5 6 Z --------- ----- - ~/~/'E' Ll / ------- ---- --- /~S %C S ..- ---- MAKE CHECKS PA YABLE TO; DEBRq S POpp~ Tax Co/%cto~ 1909 OLD TRAIL RD ETTERSPA /7319 PHONE: 717-938-800 PROPERTI'LOCAT/ON: POTTS HILL RD PROPERT3'/D~pARCEL ID NO: 39-000-PF-0006-HO-00000 2009 REAL ESTATE TAX B~L,~ FOR COUNTY OF YORK, PA & NEWgE~y TOWNS~p 1ST BILL NUMBER: 1157 BILL DATE: 02/17/09 District No. 391 * 0 i i 5 ~ ,. CLASS: R DRZAL LEO S 8 JENNIE TRUSTEE ASSESSMENT DRZAL FAMILY TRUST LAND: 5,090 1293 KINGSLEY RD IMPROVEMENT: CAMP HILL, PA 17011 TOTAL: 0 5,090 -.- i; ~..~a TAXES .~ C', ~ +~, TAX RATE TAX AMOUNT County Real Estate Total DURING THIS PPRIOp PAY O E ~ 4.150 ML $21.12 AMOUNT Muuicipal Real Estate 2% p18Cpu"t Pe.ioa 02/17/pg -04/15/09 ONLY! 1.790 ML ~ Municipal Real Estate Total _ $9.11 ( 529.6 Face Period 04/16/09 - 06/15/09 $ 9.11 ..__- $30.23 10% Pe"a1tY Period 06/16/09 -12/31/09 533.25 UNPAID TAXES SUBMITTED TO TAX CLAIM AFTER CHARGESR 31, 2p09 WILL RESULT IN ADDITIONAL County Website: WN~~'.YORK-COUNTI'•ORG IF YOU DO NOT DESIRE A RECEIPT *IF YOU DESIRE A RECEIPT, ENCLOSE ASELF-ADDRE SED, STAMP ~~ FOR YOUR RECORDS D EI~'VELOPE WITH THIS ENTIRE BILL MAKE CHECKS PA YABLE TO; DEBRA S POPP, Tax Co/%ctoi 1909 OLD TRAIL RD ETTERS PA 17319 PHONE: 717-938-8005 PROPERTYLOCAT/ON: POTTS HILL RD PROPERTI'ID/PARCEL ID NO: 39-000-PF-0006-FO-00000 2009 REAL ESTATE TAX BILL FOR COUNTY OF YORK, PA & NEVVBERRY TOWNSHIP 1ST BILL NUMBER: 1158 ~~. l,, \~ BILL DATE: 02/17/09 ' ~ . Dtstnct No. 391 ~r \ '1 o , , s e w CLASS.• R Vr C~" - V ASSESSMENT DRZAL LEO S 8 JENNIE TRUSTEES DRZAL FAMILY TRUST 1293 KINGSLEI' RD CAMP HILL, PA 17011 I~] LAND: 4,320 ~' j. I IMPROVEMENT: 0 ~/ ~~~ TOTAL: 4,320 ; { ~ ~ ~~ ~. L~,: TAXES TAX RATE TAX AMOUNT DURING THIS PERIOD PAY,(fiR~ falrilviiWl± Oiv~ ro County Real Estate Total 4.150 ML $17 93 1 . ° 2 /o Discount Period 02/17109 -04/15109 ~, $25.15 Municipal Real Estate t .790 ML $7.73 Municipal Real Estate Total $7,73 Face Period 04!16/09 - 06/15!09 $25..66 10% Penalty Period 06/16/09 -12/31/09 $28.22 UNPAID TAXES SUBMITTED TO TAX CLAIM AFTER DECEMBER 31, 2009 WILL RESULT IN ADDITIONAL CHARGES. 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Previous - Payments + Current Billinb + Accoun~ _ 'total [ialance Received Period Char}~es Adjustment Amount Duc $U.06 - $0.00 $95.28 $0.0(~ $95.34 ~i1~~~ Because your previous balance was not received by the statement date-e~n_this-l~irl~ur• minimum payment of $0.06 must be received by O1-29-2009. Otherwise, ,your coverage will be cancelled el'fE:ctive 11-30-2008. Pie:,ise include your account number on your check or money order. Do not include any additional c~m•espondc:nce with your bill. Any correspondence returned with your hill will be discarded. I'a~~ With Uir•ect Uebif For future payments, consider paying your bill with the convenience of direct debit. To enroll in direct d~;bit, access the ti/t, Bc~ne~iGr Acccss~ Web site at http://beneiits.northropgrumman.com or call the Northro{~ Grumman Benefits Center. Billing Notice Stateme t Date 12-1 U-2008 Account Number 4'500057 _____ • • • • • Lhe ~latriot-Dews , , 812 Market Street Harrisburg, PA 17101 Account Number: 12300-000746571 InJIIn~IIInunIIn~II~IInn~IIniII~IrIrlrlu~Jlnlil~l 1.1.270 1 AV 0.324 F2428S011.ps () () X 2 7 0 LEO S DRZAL 1293 KINGSLEY RD CAMP HILL PA 17011-6115 Introducing a new and improved subscription notice from The Patriot-News. We have redesigned our subSr:ripti~n nntires to hA 92~iPr t0 understand and use. On the right side of your subscription notice you'll find account information at the top, including account number, notice and renewal dates and current delivery address. You'll also find your most recent account activity listed and your payment options clearly stated on every subscription notice. Finally, if you have any questions or need to contact our Customer Service department, your subscription notice has a phone number, a-mail and Web address where we can be reached. Have your account number on hand. It is the nine digit number following 12300- on the top right side of your subscription notice. As always, thank you for subscribing to The Patriot-News. ,~ Notice Date: 11/27/08 RENE WAL': DATE: 12/22/08 ~ Delivery Address: ' 1293 KINGSLEY RD CAMP HILL PA 17011.6115 ~~ Last Raymeni Dater .01/15/08 Last Payment Amo nt: $247.00 ~ W" ~ ~ - Your renewal dale 1s automatically extended for temporary stops and other credlte. SUN'& DAILY TOTAL S2.WEEKS $247,00 $247.00 26 WEEKS $123.50 $123.50 13 WEEKS $61.75 $61.75 04 WEEKS $19:00 $19;00 `Billing questions? Missed delivery? Going on vacation? To speak to a Customer Care Representative call 77 7-255.8150 or 800-692•Z207 Monday- Friday 6:00 am to 3:30 pm Saturday & Holidays 6'00 am to 10:00 am Sunday 6:00 am to 11:00 am OR visit ourwebsite 24 hours a day at: httos://circ.~nco com/ Subject to participation of your independent carrier, newspaper deAverypmay consnuetu less you nt thy usmTo ensure uninterrupted service, please a b p y y your renewal date. .o .. .. . LOWER ALLEN TOWNSHIP 2233 GETTYSBURG ROAD Telephone y CAMP HILL, PA 17011 717-975-7575 ~y U A 10% Penalty on Sewer AND a 10% Penalty on~Refuse /~"~ are added if full payment is NOT made within 30 Days of .- .-~- the Billing Date. ; ~' . ~~ --- A000UNT'NO. BILLING DATE 'SERVICE ADDR SS :81LLING f?ERIOD W R R CURRENT ARREARS ~ 8 OO PENALTY ADJUSTMENTS Total Sewer 3 8.00 CURRENT ARREARS PENALTY ADJUSTMENTS Total Refuse S H . OO 8.00 ~DUE:DATE • ~ ~ ~ 02/01/09 96.00 Adjustments include Lien Fees, NSF charges, etc CUMBERLAND COUNTY RECORDER OF DEEDS RECEIPT Inv Number: 46066 Invoice Date: 06/16/2009 10:59:00 AM RECEIPT Reg/Drw ID: 0301 Customer: Last Change: Receipt By: COUNTER By; KW TINA EMBICK 712 HARDING ST NEW CUMBERLAND, PA 17070 c:ng tt charge /Payment /Fee Description Amount Inst # / Inst Date Municipality 1 DEED $51.50 200920238 LOWER ALLEN Grantor - DRZAL, LEO L 06/16/09 10:59:13 AM TOWNSHIP Grantee -EMBICK, TENA L Total Pages: 7 Consideration - $1.00 Tax Basis - $0.00 Return Via -MAIL PARCEL IDENTIFICATION NUMBER 13-23-0545-296- Fee Detail: AFFORDABLE HOUSING FEE $11.50 COUNTY RECORDING FEE $11.50 FEE PAGES $2.00 IMPROVEMENT FEE -COUNTY $2.00 IMPROVEMENT FEE -RECORDER $3.00 JCS/ACCESS TO JUSTICE FEE $10.00 PARCELS FEE $10.00 STATEMENT OF VALUE FEE $1.00 STATE WRIT FEE $0.50 LOWER ALLEN TP MUNICIPAL REALTY TAX FEE $0.00 SCHOOL DISTRICT REALTY TAX $0.00 DEED Grantor - DRZAL, LEO Grantee -ROE, MARY LOU Consideration - $1.00 Tax Basis - $D.DO Return Via -MAIL PARCEL IDENTIFICATION NUMBER 13-23-0545-297- Fee Detail: AFFORDABLE HOUSING FEE $11.50 COUNTY RECORDING FEE $11.50 FEE PAGES $2.00 IMPROVEMENT FEE -COUNTY $2.00 IMPROVEMENT FEE -RECORDER $3.00 JCS/ACCESS TO JUSTICE FEE $10.00 PARCELS FEE $10.00 STATEMENT OF VALUE FEE $1.00 STATE WRIT FEE $0.50 LOWER ALLEN TP MUNICIPAL REALTY TAX FEE $0.00 SCHOOL DISTRICT REALTY TAX $0.00 $51.50 200920240 LOWER ALLEN 06/16/09 11:00:16 AM TOWNSHIP Total Pages: 7 TOTAL CHARGES PAYMENTS CHECK: 2222 CHECK: 2933 TOTAL PAYMENTS AMOUNT DUE PAYMENT ON INVOICE BALANCE DUE $103.00 $51.50 $51.50 $103.00 $103.00 ($103.00) $0.00 Date: Jun 16, 2009 11:04:16 AM Page :count Number 191 4920 1128 6717 ustomer Service: -800-983-6453 Total Credlt Llne 0 Available Credlt Llne Cash Ad $10751 vance Llmlt $9000 Available Cash Limit $9000 New Balance $48.24 0 BOX 44167 18cksonvt l le, FL $1080 Statement/ Closln Date /2~09 Amount Over redlt Llne 00 + 0 Psat Oue $0.00 + Purch/AQv MI Imum Oue 20.00 = Minimum A ount Due 20.00 •2231-4167 O1/19 . SaW Date Post DBte Reference Number Activity Since Last Statement Amount - Payments Credits 5 Adjustments -773,48 1/02 86102045 PAYMENT (HANK YOU Standard Purch 12/17 12/18 SDHWF66S THE MORGAN MINT, ING. 800-4141198 NY 48.24 ~~~ ~ Cash when you need it! It's easier than ever to get cash up to your available ` Cash Advance Limit. Deposit the attached check into yyour bank account, or use it like any personal check. The transaction fee is 3% of the amount of the cash advance with a minimum of $5. Extra Cash from Citi Summer extracash.citi.com Extra Cash Extra Cash Total Extra Cash Extra Cash Transferred To Your Earned Thls Period Ad)ustments Thls Period Earned Thls Period Extra Cash from Citl Account 4.82 0.00 4.82 4.82 For complete program details, your most current Extra Cash balance and ways to redee m your Extra Cash earned, visit the Extra Cash from Cltl website. Receive $10 OFF Your First 20Lb Gift Box of Florida Citrus! Navels, Grapefruit or Mixed. Req~ $36.95. Intro price: $26.95, plus SSH, Ends 02/27. To order, call 1-866-743-6277 and ask for Dept. 07X. Or loq on to www.en]]oycttrus.com and enter Dept. 07X. An offer from Al's Family Farms (not a Citi(R) company). Account Summary revlous alance + urc ases & Advances aymen s & Credits + = ew CHARGE Balance PURCHASES $773.48 00 0 $48.24 $0.00 .$773.48 "$0.'00 $0.00 $48..24 0.00 $0.00 ADVANCES TOTAL . $7 3.'48 $48.24 $773.48 0.00 $48.24 Da s Thls 81111n Period: 33 a ante u let o ergo Ic om na ANNUAL Rate Summary Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $0.'00 0.05477%(D) 19.990% ,19.990% ADVANCES Standard Adv $0.00 0.06025%(D) 21..990% 2:1:990% SEND PAYMENTS T0: 'CITI CARDS PO BOX .103062 COLUMBUS, OH 43218.3062 21754N PLEASE FOLLOW PAYMENT INSTRUCTIONS ON REVERSE SIDE. PAYMENT MUST BE RECEIVED BY 5;00 PM LOCAL TIME ON 02/11/2009 --_--__ Visit: www.citicards.com C~t~ 1549149201128671700482402001912 Vour Account Number 5491 4920 1128 6717 Pryment Due Date your otal Balane Mlnlmum Amount Due 2 $20.00 11 2009 $48 Please Enter Amount 01 Payment Enclosed FEB . 21754N MC 00 A 1 041353 ~ttt~i~ttt~~~t,tt,r~~rtt~~r~~rette~~trt~~r~r~tir~t,rt~~rr~,~el lte~eteiiti~arrti~rttr~a~,tr~~~ It'r r I ttr .. A R D S C C 1 T I =~ LEO S DRZAL PO BOX 183062 OH 43218- 3062 COLUMBUS i' ~ JENNIE DRZAL , SLEY RU ~~ ~ ~ ~~~~~l~nt~~~n~~~t~~~t~r~~tr~~t~~ar~~~l~~n~~~n~~~r~ rl t r PA 17011-6115 ~- CAMP HILL I > t > New Homs hone New Buelnssf Phone 11 you provide an t-mell adtlr sss. we may uss It to conkct you about your account. We may Nto uae your r~mail atltlrna to send you Inlormatlon about protlucts and services you mlghl M1nd usNul. >rTt charges of atldress, phone number or em all above 491 4920 1128 6717 :ustomer Service: Total Credit Llne Available Credit Llne Cash Advance Llmlt Availa ble Cash LImIt New Balance -800-983-6453 $10800 $10789 $9000 $9000 $10.41 ~0 BOX 44167 FL Jacksonville Statement/ Amount Over Closlnq Date Cradlt Llne Past Due Purch/Adv Mlnlmum Due Mlnlmum Amount pue , 32231-4167 03/18/2009 $0.00 + $9.90 + $0.51 = $10.41 Sale Date Post Oate Reference Num ber Activity Since Last Statement Amount Payments, Credits & Adjustments 3/05 3/05 81TTD665 THE MORGAN MINT, INC. 800-A141198 NY -42.29 Standard Purch 3/18 PURCHASES*FINANCE CHARGE*PERIODIC RATE .51 Extra Cash from Citi Summer extracash.citi.com Extra Cash Extra Cash Total Extra Cash Extra Cash Transferred To Your Earned Thls Period Adjustments Thls Period Earned This Period Extra Cash from CItI Account -q,23 0.00 -4.23 0.00 No Extra Cash was transferred this month to your Extra Cash from Citl account. This may be because you made no eligible purchases or because a credit/adjustment/dispute exceeded the amount of eligible purchases. Extra Cash from Citi Member ID 8648-8619187 The Annual Percents a Rate on your account may increase due to one of the 'ol lo,~,i ^gg rcnsor,c ~4cted ;.ir ya::r C.~i'd rtgi ~aritCiii :y. ti. ua: i f yuu Fa i i cu utdne a payment to us when due, you exceed your credit line or• you make a payment to us that is not honored by your bank. revlous +) urc ases aymen s t = ew Account Summary Balance & Advances & Credits CHARGE Balance PURCHASES $52.19 $0.00 $42.29 $0.51 $10.41 ADVANCES $0.00 $0.00 $0.00 $0.00 $0.00 TOTAL $52.19 0.00 $42.29 3 5 0.51 $10.41 Da s Thls Blllln Period: 29 ~~ ~ a anc~u~jec o ergo Ic omina .ANNUAL Rate Summary Finance Charge Rate APR PERCENTAGE RATE PURCHASES Standard Purch $32.10 0.05477%(D) 19.990°,6 19.990°b ADVANCES Standard Adv $0.00 0.06025%(D) 21.990'b 21.990% SEND PAYMENTS T0: CIT1 LARDS PO BOX 183062 COLUMBUS, OH 43218-3062 11814N PLEASE FOLLOW PAYMENT 1NSTRUCTiONS ON REVERSE SIDE. PAYMENT MUST BE RECEIVED 8Y 5:00 PM LOCAL TIME ON 04/10/2009 Visit: www.citicards.com ~'~. Citl 15 4 914 9 2 0112 8 6 71 ? 0 01, 0 41010 411919 Your Recount Number 5491 4920 1128 6717) Please Enter Amount Oi,Paymsnt Enclosed Payment Due Date APR 10 2009 Vour Tatal Balance $10.41 Mlnlmum Amount Due $10.41 ~ i~ ~. - 11814N MC 00 A 1 BR1011~90 / . - nl~Illllll~nll~lltl~tltllllallll~~lttllt~ll~tlll~l~~ll~l'I!'~III ~-' '~----- -- o ~ -~ C I T I C A R D S _ s =~ LEO S DRZAL PO BOX 183062 r - ~ JENNIE DRZAL COLUMBUS, OH 43218-3062 „~„ 1293 KINGSLEY RD Illtltltllllllnlt~llllllll~lllll~l~llnflll~l~llflt~ll~tlll~aitl ~--= CAMP HILL PA 17011-6115 ( I ( I ' II you provide an email atldr ess. wa may use Il to contact you aUOUt your New Home Phone New Business Phont account. Wt may also use yow email address to sentl you information aDoul products and service you might rind useful. ~V ~ ~~ New Bala?lta Accwnt Number1128 6717 Avauabte C $; O Ot,1]\~ $77 3 5491 A920 Gasn Advance Llmtt V m $9000 purchrpdv A~"20t p0 Customer Strvtce: Total Credit Una Avallab31p026e MI~20 00 1-800-983'6453 $10800 +Amount Over $Ost 00 + pmaunt 44167 Statement/ ~rOdltOLo e + PO Box FL Clasln9 Date Jscksonville, 12/17/2008 _1,:325.54 4167 ActlvltySlncelast &atAa'ustments 32231- ReterenceNUmber Paynents, Credits sateDste costDete THANK YOU 63;00 PAYMENT 42.29 12/11 9761211.0 PA 26:.95 Standard PpNIMAL HOSPI g~pP4141S98 NV 588,00 CAMP HILL INC. NH 78.29 11/18 11/19 G5RLKXB7 THE MORGAN MINT, 14 95 pVUXL665 COMPANY NEW CUMBERLAN'NY 11/20 11/20 HSZWR500 LITTLETON COIN gpp-A14]:198 RICHARD A FORTENBIN~H 25 11/25 yK8D5MS5 THE MORGAN MINT, 11%26 11/26 pqy gy PHONE SERVICE FEE 11/26 1226 4GGNC665 to your available et cas or 11 A8200000 to,9 u .account, use 12/11 than ever our bank the r It',s easier check ~ntO3Y~-of the amount of When you need itpepostt the ;attached fee is Cash dvance-Limit• check. The transaction Cash,A :any personal 5. t?Xtf8C85h.CItI:C01'Y'1 it lrke a:minimum Of $ Citi 5umrnar .... cash advance with h from Extra Cas Transterre To Your Extra C Total Extra Cash Extra ash iron Clti Ac oun Extra Gash Earned This Period 7 5 R5 Extra Gash AdJustments This Period ,.---.-~~ .85-----"' ,visit the Earned Thts Period O . 00 our Extra sh earn -'-~""~' s to redeem Y J_ 7 5 X85,____.._.. ~ .._.._..--......: ro ram details, your most current Extra Cash balance and wa `For complete p 9 Extra Cash from Citl website. Grapef rui t ~ Navels, Citrus'02 27. Gift Box of Florida Ends /. TO Or tom and 26 q5 plus S&H. to y,~yr,en oycitrus. OFF Your First 20LbjGe, $ pr log on a Ctti(~) company)• Receive $10 $36 95, Introfor Deft. 07X' Farms (not or Mixed. Re~3-6277 and ask from Al's Family call 1-866'7 An offer enter Dept• 07X• a eW t .Balance aymen s CHARGE urc ases & Credits S7;73.48 revlous & Advances 0.00 00 Balance ;$1,325.54 0.00 $773.48.. AccounYSummary 54 '$773.48 p,00 0.00 ...$1,325. 0.00 .$1 35.54. 0;00 $7 3.48 Da sThlsBlllin Period: •29 PURCHASES 'g1,3~5.5A omine :ANNUAL ADVANCES GE RATE , :TOTAL erto tc APR PERCENT a ante u ec o Rate. `18:600% mart' Finance Charge 18.600% 19 , 990% Rata Sum 0.05096°~(D) 19 , 990% :$0.00 PURCHASES 0,05477%(D) Standard,Purt:h $0;00 ADVANCES `Standard Adv ~ - DATE REFERENCE ITEM AMOUNT DEL/SVC TAX TOTAL 12/13/08 00003028 Funeral An-angement $30.00 $5.00 $2.10 $37.10 a., Occasion: EVERYDAY LEO DRZAL ~. ,~ ~^ ~' ~ ACCOUNT NUMBER 0000003458 CURRENT 30+ DAYS 60+ DAYS 90+ DAYS 120+ DAYS TOTAL DUE $37.10 .$0.00 $0.00 $0.00 $0.00 ~~ $37.10' J'¢rc dCde •7auase ~Cezdat ~r ~iaeeacenry 7ou. • (717) 774-1260 ~ _ _ page 1 of 1 ~,. , JANUARY SPECIAL -FRESH CUT DAISIES .ARRANGED IN A BAS BREATH, GREENS AND ABOW - $20:00 - CASH & CARRY -DEL I~ EX BEST WISHES FOR A HAPPY, HEALTHY AND PROSPEROUS NEW ~ ~ !:! VISIT US AT OUR WEBSITE -www.oldetowneflorist.com ~. t ~;, "~ ,_. "~::_ - t ne ratrlot-News Vo. 812 Market St. Harrisburg, PA 17101 Inquiries - 717-255-8213 GATES, HALBRUNER & HATCH, P.C. ATTN: ACCTS PAYABLE 1013 MUMMA ROAD SUITE 100 LEMOYNE Proof of Publication Under Act No. 587, Approved May 16, 1929 Commonwealth of Pennsylvania, County of Dauphin} ss ~;ne ,patriot ~~ews NOw you know THE PATRIOT NEWS THE SUNDAY PATRIOT NEWS PA 17043 Joseph A. Dennison, being duly sworn according to law, deposes and says: That he is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market Street, in the City, County and State aforesaid; that The Patriot-News and the Sunday Patriot-News were established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever since; That the printed notice or publication which is securely attached hereto is exactly as printed and published in their regular daily and/or Sunday/ Metro editions which appeared on the date(s) indicated below. That neither he nor said Company is interested in the subject matter of said printed notice or advertising, and that all of the allegations of this statement as to the time, place and character of publication are true; and That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed and adopted severally by the stockholders and board of directors of the said Company and subsequently duly recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M", Volume 14, Page 317. ~ PUBLICATION COPY ESTATE NOTICE ~.E~rT~F_~,,RS?~~Ta9~MEt~TARY for the Ectahtu~llO'9~~RIAL. deic3wspd.lote tft~e Es~p are requested to o~lgtie p~}tyemmYOnd those ; I ms aoalhst the Estate are` n'pregsnT tfiem ipr settlement ov #or~ EM41CK, Co-ExeFUtrlx` ~tferlprZd, PA 17p70 OUP F~..CP,ExecUtjlx' N, Pq l]Al l ~ ' - This ad # 0001958675 ran on the dates shown below: March 25, 2009 April 01, 2009 ' April 08, 2009 .......... .' r'1~!~..._._..-rte"'`...... . mr to anc~subscribed before me this ~3"d ~eS~April, 2009 A.D. C~ ~ ,. _ ~- . . ____.- Notary Public COMMOtVWEAI_~TH~pp PENNSYLVANIA ?VataRal S®al Sherriea !_.:~isner, Notary Public C~%' ~~' Ns'mml~ur~. Dauphin County My Con7mrgglr~n =; xpirt~ Nov. 26, 2011 Member, Penn,~yiu2ni<; Associ2tion of Notaries t'[tOOF OF PUBLICATION OF NOTICE i l~,' c:'il C1'IBERLAND LAW JOURNAL (Under r'~~.•! .'~~; 587, approved May 16, 1929), P. L.1784 COMMONWEALTH OF P[?r~'NSYLVANIA ss. COUNTY OF CUMBERL,~ND Lisa Marie Coyne, fi,sgi~ire, Editor of the Cumberland Law Journal, of the County and State aforesaid, being duly s~~~orn, according to law, deposes and says that the Cumberland Law Journal., ~! icgai periodica~ ~~ni~ii~;hc~~i in the Borough of Carlisle in the County and State aforesaid, was established .(anuary ~, I'%`~?. and designated by the local courts as the official legal periodical for the publicaii~,n c~t•~tll Icgal notices, and has, since January 2, 1952, been regularly issued weekly in the said C'otlni~,~, ~md that the printed notice or publication attached hereto is exactly the same as was prin(e.c in the regular editions and issues of the said Cumberland Law Journal on the following dates, vlz: __ March ? 7, Apri I.3, and April 10, 2009 A I•fiant further do{,r~:;~~~~. i l!af he is authorized to verify this statement by the Cumberland Law ,Tourual, a Ie`;al perk,dicr!' of `;eneral circulation, and that he is not interested in the subject matter of the aforesaid laoiicc ~~r ;.tcivcrtisement, and that all allegations in the foregoing statements ~s to time, place turd character of publication are hue. - .~ L'sa Marie Coyne, E itor SWORN TO AND SUBSCRIBED before me this l 0 day of April, 2009 - Notary Drzal, Leo S., deed. Late of East Pennsboro Town- ship. Co-Executrices: Tena L. Embick, "" """""'~'^"^°•~~-~~ ~-~~~-~..~..,...,,s,..n,. 712 Harding Street, New Cumber- ~ti~-~!A!1!/jl SEAS land, PA 17070 and Mary Lou Roe, DEBC7RAH A. C:OLLINS 1706 Kent Road, Camp Hill, PA Notary Puolic 17011. CARLISLE BORO, CUMBERLAND COUNTY Attorneys: Craig A. Hatch, Es- My Commission Expires Aar 28, 2010 quire, Gates, Halbruner & Hatch, P. C., 1013 Mumma Road, Suite 100, Lemoyne, PA 17043. Leon D. Gerlach, Appraiser Commercial, Industrial & Residential 305 West Shady Lane Enola, PA 17025-2240 Phone 717.732-5052 Fax 717-732-6646 BILL TO ~. Estate `' DRZAL Leo Estate 1293 Kingsley Road Camp Hill, PA 1 701 1-61 1 5 INVOICE 'Forward to Accounts Payable ' L '("-- REFERENCE Invoice #: DRZAL•1295 Kingsley R Invoice Date: 02/19/2009 Order Date: 02/06/2009 Appr. File #: HU9U20196 Case #: DRZAL-1295 Kingsley R Client File #: DRZAL-1295 Kingsley R PO #: Tracking #: H0902019B DESCRIPTION Borrower: Leo DRZAL Estate Property Address: 1295 Kinysley Road Camp Hill, PA 17011-6115 BILLING AMOUNT $ 215.00 Total $ 215.00 Payment 1 Check #: Date: ~ ~ Terms: Balance due upon receipt of invoice Federal Tax #: 25-1684027/sp Balance Due $ 215.00 PLEASE SEND A COPY OF INVOICE OR INCLUDE FILE No. W iTH PAYMENT FOR CORRECT CREDIT ------------------------------------------- ' Pleafe RNUn ilia P,,rli~x~ NSIA Yw Paylnem' PAYMENT FROM PAYMENT Estate Amowit Due: $ 215.00 DRZAL Leo Estate 1293 Kingsley Road Amount Enclosed: $ Carnp Hill, PA 17011-6115 -- Invoice 11: DRZAL-1295 Kinysley R SEND PAYMENT TO Invoice Date: 02/19I2o09 Appr. File #: HU9020198 Case #: DRZAL-1295 Kinysley R Leon D. Gerlach, Appraiser 305 West Shady Lane Enola, PA 17025-2240 Leon D. Gerlach, Appraiser Comrtlercial, Industrial & Residential 305 West Shady Lane Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 BILL TO Estate DRZAL Leo Estate 1293 Kingsley Road Carnp Hill, PA 17011-6115 iNVOiCE 'Forward to Accounts Payable ' DESCRIPTION Borrower: Leo S DRZAL Estate Property Address: 6H Potts Hill Road Lewisberry, PA 17339 BELLING REFERENCE Invoice #: DRZAL-6H Potts Hill Ro. Invoice Date: 02/25/2009 Order Dale: 02/06/2009 Appr. File #: H0902021 L r Case #: DRZAL-6H Rotts Hill Ro Client File #' DRZAL-6H Potts Hill Ro PO #: Tracking #: H0902020L AMOUNT $ 265.00 Total $ 265.00 Payment 1 Check #: Dale: ~ ~ Terms: Payment due upon receipt of invoice Balance Due $ 265.00 Federal Tax #: 25-1684027 PLEASE SEND A COPY OF INVOICE OR INCLUDE FILE No. WITH PAYMENT FOR CORRECT CREDIT • rMu„ a.iu. na, rand, min va PAYMENT , r,ym„n • FROM PAYMENT Estate DRZAL Leo Estate Amount Due: $ 265.00 1293 Kingsley Road Amount Enclos ed: $ Camp Hill, PA 17011-6115 --- SEND PAYMENT TO Invoice #: DRZAL-6H Potts Hill Ro. Invoice Date: 02/25/2009 Appr. File #: HU902021 L Case #: DRZAL-6H Potts Hill Ro Leon D. Gerlach, Appraiser 305 Wesl Shady Lane Enola, PA 17025-2240 Leun D. Gerlach, Appraiser Commercial, Industrial & Residential 305 Wesl Shady Lane Enola, PA 17025-2240 Phone 717-732-5052 Fax 717.732-6646 BILL TO Estale DRZAL Leo Estale 1293 Kingsley Road Camp Bill, PA 17011-6115 INVOICE - "Forward to Accounts Payable ' REFERENCE Invoice ~: DRZAL-6F Potts Hill Roy Invoice Date: 0 212 5/2 0 0 9 Order Date: 02/06/2009 Appr. File #: H0902020L Case #: DRZAL-6F Potts Hill Roy Client File #: DRZAL-6F Potts Hill Ro; PO 11: Tracking #: H0902020L DESCRIPTION Borrower: Leo S DRZAL Eslate Property Address: 6F Potts Hill Road Lewisberry, PA 17339 BILLING AMOUNT $ 265.00 Total $ 265.00 Payment 1 Check #: Dale: ~ ~ Terms: Payment due upon receipt of invoice Federal Tax #: 25-1684027 Balance Due $ 2ti5.00 PLL"ASE SEND A COPY OF INVOICE OR INCLUDE FILE No. WITH PAYMEiNT FOR CORRECr CREDIT • rN,,. n.iwo n.. vo<no~ rnm row v„~~~«m PAYMENT FROM PAYMENT Estate Amount Due: $ 265.00 DRZAL Leo Estate 1293 Kingsley Road Amount Enclosed: $ Camp Hill, PA 17011-6115 --- Invoice #: DRZAL-6F Pous Hill Roy SEND PAYMENT TO Invoice Date: 02/25/2009 Appr. File #: H090202UL Case 1F: DRZAL-GF Putts Hill Ra Leon D. Gerlach, Appraiser 305 Wesl Shady Lane Enola, PA 17025-2240 Lean D. Gerlach, Appraiser Commercial, Industrial & Residential 305 Wesl Shady Lane Enola, PA 17025-2240 Phone 717-732-5052 Fax 717-732-6646 BILL TO Joe DRZAL Leo Estate 1293 Kingsley Ruad Camp Bill, PA 17011-6115 INVOICE ' Forward to Accounts Payable ' PTION REFERENCE Invoice #: DRZAL-1293 Kingsley R Invoice Dale: 02/18/2009 Order Date: 02/06/2009 Appr, file #: H09020188 Case #: DRZAL-1293 Kingsley R Client File #: DRZAL-1293 Kingsley R PO 1/: Tracking #: H0902018B Borrower: Leo DRZAL Estate Property Address: 1293 Kingsley Road Camp Hill, PA 17011-6115 BILLING - AMOUNT $ 215.00 Total $ 215.00 Payment 1 Check #: Date: ~ ~ Terms: Balance due upon receipt of invoice Balance Due Federal Tax#: 25-1684027/sp $ 215.00 PLEASE SEND A COPY OF INVOICE OR INCLUDE FILE No. WITH PAYMENT FOR CORRECT CREDIT --- ' Plaa~ Reran Tni~ Palian W1~ V PAYMENT ax P.y,nsm' - - - - ~ - - - - - - - - ~ - - - - -' ' - FROM PAYMENT Joe DRZAL Leo Estate Amounl Due: $ 215.00 1293 Kinysley Road C Amount Enclosed: $ amp Hill, PA 17011-6115 SEND PAYMENT TO Invoice #: DRZAL-1293 Kinysley R Invoice Date: 02/18/2009 Appr. File #: H0902018B Case #: DRZAL-1L93 Kinysley R Leon D. Gerlach, Appraiser 305 West Shady Lane Enola, PA 17025-2240 ~R~9.SS P~`p~ CUMBERLAND LAW JOURNAL 32 SOUTH 6EOFORD STREET CARLISLE, PA 17013 Tele: (717) 249186 Fax: (717) 249-2883 April 10, 2009 Cumberland Law Journal is published every Friday by the Cumberland County Bar Association and is designated by the Court of Common Pleas as the official legal publication for Cumberland County and the legal newspaper for publication of legal notices. TO. Craig A. Hatch, Esquire RE: Leo S. Drzal Estate Legal advertisements must be received by Friday Noon. All legal advertising must be paid in advance. Make all checks payable to: Cumberland Law Journal. Advertisement inserted on the following dates: March 27, April 3, and April 10, 2009 Advertising Cost $ 75.00 Proof of Publication $ 0.00 Second Proof Request $ 0.00 Payment received $ 0 .00 Total Amount Due $ 75.00 Payment received by ~a o'o 3~~ ~~ ~\ ~ ~e