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• ~ J 1505607121 REV-1500 EX (06-05) OFFICIAL USE ONLY PA Department of Revenue Bureau of Individual Taxes INHERITANCE TAX RETURN County Code Year File Number PO BOX 280601 Harrisburg, PA 17128-0601 RESIDENT DECEDENT 2 1 0 9 0 1 1 1 4 ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 2 0 2 4 6 6 3 4 5 1 0 2 8 2 0 0 9 0 9 1 1 1 9 5 4 Decedent's Last Name Suffix Decedent's First Name MI G A B L E K I M A (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number FILL IN APPROPRIATE OVALS BELOW © 1. Original Return 4. Limited Estate ® 6. Decedent Died Testate (Attach Copy of Will) 9. Litigation Proceeds Received 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) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED T0: Name Daytime Telephone Number R O G E R B I R W I N E S Q U I R E ? 1 7 ca 4 9 ~' 3 5 ~,--; Firm Name (If Applicable) I R W I N & M c K N I G H T P C First line of address Second line of address 6 0 W E S T City or Post Office C A R L I S L E P O M F R E T S T R E E T State ZIP Code P A 1 7 0 1 3 Correspondent's a-mail address: CARLISLE unaer penaiues or pequry, I declare that I h ve examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete. Declaration f preparer other than the personal representative is based on all information of which preparer has any knowledge. SIG E OF ERSO SPO SI E FOR FILIN RETURN DATE Z o -- /~ ADDRESS 118 LAKEVIEW DRIVE CARLISLE PA 17013 SIGNATUR F REPARER OTHER !AN REPRESENTATIVE ATE 60 WEST ipO~AFRET STREET PLEASE USE ORIGINAL FORM ONLY 3. Remainder Retum (date of death prior to 12-13-82) 5. Federal Estate Tax Return Required 8. Total Number of Safe Deposit Boxes 11. Election to tax under Sec. 9113(A) (Attach Sch. O) ~'~'° -a , REGIST~R VYILLS U~ONLIK~~~ % " :~ wC C7 ~.~ z~. ~- ,'~° ~.~~ _ T ~1 ::, ~- r-rt I\7 ~ . , -F "J ,--, ._ - " ~. .. ___, _ ~..a ~,. ~ -~ .Y.t ,~ _ . _ . W rv . o -~ rn ~ , DATE FILED PA 17013 Side 1 1505607121 1505607121 r 422L09505'C 'C22Z095U52 Z ap!S 1N3WJlVd213A0 NV ~O aN(1~321 d JNI1S311D321 3btl f1OJl ~I ~bAO 3H1 NI '1~1~ 'OZ •66 . ............................................... ana X1'66 E D '9 h 2 E 2 0 0. 0 8 6 g ~' X a;e~ ~e~a;e~~oo ;e 0 0' 0 a~gexe; ~ 6 aui~ }o }unowy •g ~ E O' 9 h 2 E 2 '16 Z 6' X a;e~ 6ui~gis ~e 6 S' E S E O 'L '~ a~gexe; ~~ aui~ ~o;unowy 'L6 0 0' 0 .g ~ 0• X a;e~ ~eaui~ ;e 0 0 0 a~gexe} ~ ~ aui~ ~o ;unowy •g ~ 0 0' 0 'S 6 0' X (Z' 6)(e) 0 0 0 g 6 66 •oaS aapun s~a~suea~ ~o `a;e~ xe; ~esnods ay;;e a~gexe; },~ aui~;o;unow~r °g6 S31V21 319H~IlddH 210 SNOIl~f12l1SNI 335 - NOllf/1f1dW0~ Xdl .~~ .................. (£6 aui~ snuiw Z6 aui~) xel 03;oa~gng an1eA ~eN '1~6 6 S 'E Q E O 't 'C • .E6 • • • • • • • • • • • • • • • • • • (~ a~npayoS) apew uaaq;ou set' xe; o; uo~oa~a ue ' g ~ yoiynn aoj slsn~l £ 6 66 oaS/s;sanba8 ~e;uawu~anoO pue a~qe;i~ey0 ' 'Z6 ......................... (66 aui~ snuiw g aui~) a;e;s3 ~o an1eA ~aN 'Z6 6 E S Q E 0 'L 2 . ~ ~ ........................... (06'8 6 saui~ ~e~o~) suol;onpaa le;ol ' ~ 6 Q 2 '6 ~ O S O 'C '06 • • • • • • • • ° • • • (~ a~npayoS) suai~'S 'sai;i~igei~ a6e6~ow `;uapaoaa ~o s;qaa '06 9 2 ''C 9 6 0 6 • • • • • • • • • • • • • • • • (H a~npayoS) s;sod ani;ea;siuiwpy ~ sasuadx3 ~eaaun~ 'g 2 0' Q 2 'C h 'C 6 .8 ........................... (L-6 saui~ ~e3o3) s;asst' sso~O 1e3o1 '8 Z S '2 Z h S 'I 2 •~ • • • • • • • pa;sanba~ 6ui~~i8 a;e~edaS ~ (O alnPayoS) ~(~adoad a;egad- N snoaue~~aosiW +g s~a~sue~l sonin-~a;ul 'L •g • • • • • • • pa;sanba~ 6ui~~i8 a;eaedag ~ (~ a~npayog) ~(~adad paunnp ~(puio~ 'g •g • • • • • • • (3 a~npayoS) ~(~adad ~euos~ad snoaue~~aosiw '8 s~isodaa ~ueg `yse~ .5 ~, S '2 Z h 0 'L .~ ............ . ........... (a alnPayoS) algeniaoa~ sa}oN'8 sa6e6}~oW 'b • '£ ' ' ' ' ' (O alnPayoS) diys~o;aiadoad-a~oS ao diys~au}~ed 'uoi;e~od~o0 p~aH ~(~asol~ 'E •Z .................................. (8 alnPayoS) sPuoB Pue shoo;S "Z . 6 ........................................ (d alnPayoS) a;e;sa ~eaa • 6 0 D'0 0 0 5 0 2 NOIlH~(llld~/~3a 318 d `~ ' d W I ~ :aweN s,;uapa~a4 S h E 9 9 h 2 0 2 ~agwnN /~imoaS ~eiooS s,;uapaoaa X3 0056-n32i 'C22L09505'C R€V-1500 EX Page 3 Decedent's Complete Address: File Number 21 09 01114 DECEDENT'S NAME l~IM A. GABLE STREET ADDRESS 21 COUNTRY CLUB ROAD CITY STATE ZIP CARLISLE PA 17015 Tax Payments and Credits: ~. Tax Due (Page 2 Line 19) (1) 13,246.03 2. Credits/Payments A. Spousal Poverty Credit B. Prior Payments C. Discount 662.30 Total Credits (A + B + C) (2) 662.30 3. Interest/Penalty if applicable D. Interest E. Penalty Total Interest/Penalty (D + E) (3) 0.00 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Fill in oval on Page 2, Line 20 to request a refund. (4) 0.00 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) 12,583.73 A. Enter the interest on the tax due. (5A) B. Enter the total of Line 5 +5A. This is the BALANCE DUE. (56) 12,583.73 Make Check Payable to: REGISTER OF WILLS, AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred : ...................................................................... ^ b. retain the right to designate who shall use the property transferred or its income; ............................... ^ c. retain a reversionary interest; or ................................................................................................ ^ d. receive the promise for life of either payments, benefits or care? ....................................................... ^ 2. If death occurred after December 12,1982, did decedent transfer property within one year of death without receiving adequate consideration? ....................................................................................... ^ Q 3. Did decedent own an "intrust for" or payable upon death bank account or security at his or her death? ......... ^ Q 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which 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 For dates of death on or after July 1,1994 and before January 1,1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is three (3) percent [72 P.S. §9116 (a) (1.1) (i)]. For dates of death on or after January 1,1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero (0) percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exemot a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and tiling a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [72 P.S. §9116(a)(1.2)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent, except as noted in 72 P.S. §9116(1.2) [72 P.S. §9116(a)(1)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent [72 P.S. §9116(a)(1.3)]. Asibling isdefined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. Ij,~V-1502 EX + (6-98) SCHEDULE A ` COMMONWEALTH OF PENNSYLVANIA REAL ESTATE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER KIM A. GABLE 21 09 01114 All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts. Real ro which is ointl -owned with ri ht of survivorshi must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. 21 COUNTRY CLUB ROAD, CARLISLE, PENNSYLVANIA 205,000.00 APPRAISAL ATTACHED TOTAL (Also enter on line 1, Recapitulation) ~ $ 205.000.00 (If more space is needed, insert additional sheets of the same size) RSV-1508 EX + (6-98) SCHEDULE E COMMONWEALTH OF PENNSYLVANIA CASH, BANK DEPOSITS, & MISC. IN RESIDENT DECEDENTRN PERSONAL PROPERTY ESTATE OF FILE NUMBER KIM A. GABLE 21 09 01114 Indude the proceeds of litigation and the date the pnxeeds were received by the estate. All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. PERSONAL PROPERTY -APPRAISAL ATTACHED 4,887.00 2. SOVEREIGN BANK -CHECKING ACCOUNT #1691027863 2,579.80 3. SOVEREIGN BANK -SAVINGS ACCOUNT #2894024120 3,006.07 TOTAL (Also enter on line 5, Recapitulation) I $ 10,472.87 (If more space is needed, insert additional sheets of the same size) F~EV--1511 EX + (10-06) SCHEDULE H ~ COMMONWEALTH OF PENNSYLVANIA FUNERAL EXPENSES & INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER KIM A. GABLE 21 09 01114 Debts of decedent must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. HOLLINGER FUNERAL HOME 2,543.45 2. DICKINSON COLLEGE -FUNERAL LUNCHEON 174.03 B. 1. State Zip 2, Attorney Fees IRWIN & MCKNIGHT, P.C. 3. Family Exemption: (If decedents address is not the same as claimants, attach explanation) Claimant 4. 5. 6. 7. 8. 9. 10. 11. ADMINISTRATIVE COSTS: Personal Representative's Commissions Name of Personal Representative (s) Street Address City Year(s) Commission Paid: Street Address COY State _ Zip Relationship of Claimant to Decedent Probate Fees REGISTER OF WILLS Accountants Fees Tax Return Preparers Fees PATRICIA A. ROSENDALE, CPA REGISTER OF WILLS -FILING FEE CUMBERLAND LAW JOURNAL -ESTATE NOTICE THE SENTINEL -ESTATE NOTICE S.W. BARRETT REAL ESTATE -APPRAISAL ON REAL ESTATE ROY D. GOTTSHALL -APPRAISAL ON PERSONAL PROPERTY 10,000.00 348.00 350.00 30.00 75.00 187.54 350.00 70.00 TOTAL (Also enter on line 9, Recapitulation) I $ 14.128.02 (If more space is needed, insert additional sheets of the same size) f2EV-1512 EX + (12-03) SCHEDULE I COMMONWEALTH OF PENNSYLVANIA DEBTS OF DECEDENT, INHERITANCE TAX RETURN MORTGAGE LIABILITIES & LIENS RESIDENT DECEDENT ~ ESTATE OF FILE NUMBER KIM A. GABLE 21 09 01114 Report debts incurred by the decedent prior to death which remained unpaid as of the date of death, including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. SOVEREIGN BANK -LINE OF CREDIT #6819066465 4,694.40 2. SOVEREIGN BANK -MORTGAGE PAYMENTS (3) $578.00 X 3 = $1,734.00 1,734.00 3. OUTSTANDING CHECK #339 DRAWN ON SOVEREIGN ACCOUNT #1691027863 1,299.60 4. PP&L -ELECTRIC 238.50 5. YORK WASTE DISPOSAL -TRASH 50.76 6. DISCOVER CARD -CREDIT CARD 1,308.98 7. SPIRIT PHYSICIAN SERVICES -MEDICAL 94.00 8. CHASE -CREDIT CARD 1,012.84 9. SOVEREIGN BANK -MORTGAGE LOAN 79,228.58 10. PENNY G. DAVIS, TAX COLLECTOR -REAL ESTATE TAXES 1,299.60 TOTAL (Also enter on line 10, Recapitulation) I ~ 90,961 26 (If more space is needed, insert additional sheets of the same size) REV-1513 EX + (g-00) ., SCHEDULE J ' COMMONWEALTH OF PENNSYLVANIA BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER KIM A. GABLE ~~ nn n~ ~ •~ ~~ ~~~~~ RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I. TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under Sec. 9116 (a) (1.2)) 1. GLENDA WAGNER Sibling 110,383.59 118 LAKEVIEW DRIVE REAL ESTATE CARLISLE, PA 17013 2. JEFF W. GABLE Sibling 400 GARLAND DRIVE 1/3 REMAINDER CARLISLE, PA 17013 3. GREG A. GABLE Sibling 2182 N. CHERI LYNN DRIVE 1/3 REMAINDER CHANDLER, AZ 85225 4. BRENT A. GABLE Sibling 2013 N. 2ND STREET 1/3 REMAINDER HARRISBURG, PA 17102 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 T HROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET II. NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS 1. TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET $ ~Ir more space Is neeaea, Insert adtlitional sheets of the same size) z ~ ~ , ~ , Z ` LAST WILL AND TESTAMENT I, KIM A. GABLE, of Middlesex Township, Cumberland County, Pennsylvania, declare this to be my Last Will and Testament, hereby expressly revoking all Wills and Codicils heretofore made by me. 1. I direct my Executrix to pay all of my debts, funeral and administrative expenses as soon as may be done conveniently after my decease. 2. I authorize and empower my Executrix to sell any realty owned by me at my death and not specifically devised herein, at either public or private sale, and to give good and sufficient deeds therefor, in fee simple, as I could do if living. 3. I devise and bequeath all of my estate of every nature and wherever situate as follows: (a) My home at 21 Country Club Road, Carlisle, Cumberland County, Pennsylvania, to my sister, GLENDA A. WAGNER, and if she is not living at the time of my death, to her children, share and share alike, and; N ~ O ~ (b) All the rest, residue and remainder including my car, my ~~~?~ an~the~'; ~ ; ~:~ ~.~. r ~ ~ rn ~ ^~ =~ ~ ~ "~ assets to my three brothers, JEFF W. GABLE, GREG~.~ LE and.:.-' ~.~ c~ O -~ ~ - -...;..: O C ._ . ~ ~~ BRENT A GABLE, share and share alike. ~:~ E„~ ~~~ ~~~- ~.1~:~.; ~' ~ `__~ .~' ~ ~ , a , . ~ ~ ~ d r 4. I nominate and appoint GLENDA A. WAGNER to be the executrix of this my last will and testament; she is to serve as such without bond. Should she die before my death, A renounce or refuse to serve for any reason, or die leaving any of my estate unadministered, I nominate and appoint JEFF W. GABLE as substitute executor, also to serve as such without bond, with the same powers as are given herein to my executrix. 5. I hereby suggest that my personal representative retain the services of Irwin & McKnight as attorneys in the settlement of my estate. IN WITNESS WHEREOF, I have hereunto set my hand and seal this ~ ~ day of January, 2005. <~j °. G'..~~..~ (SEAL) ISM A. GABLE Signed, sealed, published and declared by I~IlVi A. GABLE, the Testatrix above-named, as and for her Last Will and Testament, in the presence of us, who, at her request, in her presence and in the presence of each other have subscribed our names as witnesses hereto. 2 c ACKNOWLEDGIVIENTRND AFFIDAVIT WE, KIM A GABLE, MARTHA L. NOEL and SHARON L. SCHWALM, the Testatrix and witnesses respectively, whose names aze signed to the foregoing instrument, being first duly sworn, do hereby declaze to the undersigned authority that the Testatrix signed and executed the instrument as her Last Will and Testament, that she had signed willingly, that she executed it as her. free and voluntazy act for the purpose herein expressed, and that each of the witnesses, in the presence and hearing of the Testatrix, signed the Will as a witness and that to the best of their knowledge the Testatrix was, at that time, eighteen years of age or older, of sound mind and under no constraint or undue influence. ____-/=~ Q -a4lrto HIM A. GABLE MART .NOEL 4~a~~ ~ ~~~~.~~ SHARON L. SCHWALM COMMONf WEALTH OF PENNSYLVANIA SS: COUNTY OF CUMBERLAND Subscribed, sworn to and acknowledged before me by KIM A. GABLE, the Testatrix herein, and subscribed and sworn to before me by MARTHA L. NOEL and SHARON L. SCHWALM, witnesses, this 7 ~'~ day of January, 2005. ''3 - ~_ Public ?NNSYLV ITo axial Seal Roger B. Irwin, Notary Public Car,isle Boro, Cumberland County My Commission Expires Oct. 3, 2008 Member. Pennsylvania Association Of Notaries 3 ~ S. W. BARRETT REAL ESTATE AND APPRAISAL SERVICES F1e No..09-0469 APPRAISAL OF ~ i ~ ~~ a K ~~ .~ ~y ~uy , r ''~ ~ _` - ; s "a~:: • .•:1~ i•' .r LOCATED AT: 21 Country Club Road Carlisle, PA 17015-8887 CLIENT: Irwin b McKnight 60 West Pomfret Street Carlisle, PA 17013 AS OF: October 28, 2009 BY: Stan A. Skowronek Certified Residential Appraiser S. W. BARRETT REAL ESTATE AND APPRAISAL SERVICES Fie No. 11/1812009 Irwin b McKnight 60 West Pomfret Street Carlisle, PA 17013 File Number: 09-0469 In accordance with your request, I have appraised the real property at: 21 Country Club Road Carlisle, PA 17015-8887 The purpose of this appraisal is to develop an opinion of the defined 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 defined value of the property as of October 28, 2009 is: s2os,ooo Two Hundred Five Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, assignment conditions and appropriate certifications. Respectfully submitbd ~~~ ~~~ Stan A. Skowronek Certified Residential Appraiser Summary Residential Appraisal Report File No. 09-0469 The purpose of this appraisal report is to provide the cUent with a credible opinbn of the defined value of the subject property, given the intended use of the appraisal. Cdent Namellrttended user Irwin 8s McKr1i ht E-mail NIA CllentAddress 60 West Pomfrtet Street 'Carlisle State PA 17015 Additional Iraertded s The intended User Of this a ralsal rt is the Client. No additional intended Users are rmitted without the rmission of the a raise s . Intended use The Intended Use is to evaluate the ro that is the sub'ect of this a sisal to rovide the Client with an accurate and a uatel su rted o anion of value. Address 21 Coun Club Road Carlisle stalls PA 17015-8887 owner of Pubdc Recall Gabis Kim A. Coun Cumberland L tion Deed Book G31 a 1009 Assessor's Parcel # 21-17-2694-008 Tax Year 08/09 R.E. Taxes 3 1 703.00 N hborhood Name COU Club Acres Reference 17-2694 CensusTraix 0118.03 Pr R hts X Fee leasehold Other describe research did X did not reveal kx sales or transfers of the sub for the three to the ertectlve date of this sisal. Prior Sale/Transfer: Date 05/30/1985 Price 55 000 Sour s Courthouse Analysis of prior sale or transfer history of the subject property (and comparable sales, if applicable) NO riot transfers of the sub"act within the ast 36 months nor were there an riot transfers of the com tables within 12 months of their sale date. Offerings, options and contracts as of the effective date of the appraisal NIA Neiphbahood.Characteristles >: . ,OhtUnkHouisinpTmrids ~ r .One-lJn(tFiousinp.. ;-' Pce~6ntLand:Uae!!i, :;.` Locetion Urban X Suburban Rural Pr Values I X Stable Dedini PRICE AGE one-Untt 45 % BuikU Over 75% X 25-75% Under 2546 DemandlSu Sho e X In Balance Over Su 000 s 2.4 Unit 0 % Growth R X Stable Slow Marks Time Under 3 mth.R X 3.6 mths Over 6 rrrths 150 Low New Mupf-Fam O % Neighborhood Boundaries The sub act is bounded on the north W. Middlesex Rd east 325 H h 60 Commercial 15 % Cott Club Rd on the south Walnut Bottom Rd and on the west Noble Blvd. 200 Pres. 45 over 40 % Neighborhood Description The sub act is located in a well established r+esider>tial level ant ad scent to the Carlisle Cou Club and off course. It is within close roximi to ammenities such as schools sho in and em to ertt. Market Conditions (including support for the above conclusions) See Attached Addendum Dimensions 108 x 193.5 Area .48 Acre m/l sh Rectan ular Vx~w Golf Course S ~ Zoni Clessidcetion RC Zon Descri n Residential Cou Zoe C lance X L al Nonconfomiin Grandfadiered Use No Zonin I describe Is the highest and best use of the subject property as improved (or as proposed per plans and specidcetions) the present use? X Yes No I(No, describe. Utilities Public Otlrer describe Public Other describe Orf-sitelm ants-T Publ ic P rivate Electric X water X Street Macadam X ~ sewer X None sine comments There are no a rent adverse easements encroachments or other adverse condWons. GENF.RALDESCRIPTION : FOUNDA TION EXTERIOR~DESCRIPTION ~i;m"soerials. .:INTERWR': ... ;:,rtbleriafs:~ units X One OnewtAoc. unit # of Stales 1 X Concrete slab Full Basement Crawl S Partial Basement Foundation Walls COeC BlklAv Floors HW1C NAv Exterior Wads StoneMNAv Walls PIstNDW//Av T X Del Att. s-Det.lEnd unit Basement Area 1850 . it Roof surface Com h IeJAv TrinVFinish WoodlAv X Faci Pro sell under Const. Basement Finish 50 % Gutters & Aluminum/Av Bath Floor Vin Av De n s 1 Sto outside E fFxit su Pu Window T Wood Frame/Av Bath wainscot Plstr/DW/Av Year Built 1953 Storm Sashllnarlated ThermaUAv Car Sbr None Effective a Yrs 15-20 Screens Yes /Av X # of Cars 2 Attic None Heati X FWA HW X Radiant Amendies WoodStove s # Surface Macadam Dro Stak Stairs Other Fuei Oil/Elect X Fke s # 1 X Fence X # of Cars 2 Floor X Scutlle Coolie Central Al Condition X PatioNeck X Porch rt # of Cars Finished Heated Individual Oilier Po01 X Other B X AIL Del Bulk in iarx;es X Re erata X Ra IOven X Dl~iwasher D oral Microwave WasherlD r Otlter describe FiNshed area above reds conmirrs: 8 Rooms 3 Bedrooms 2 Bath s 1860 a Feet of Gross Area Above Grade Additlonal Features La a front covered orch. Rear wood deck. Electric baseboard hest in livin area behind the ara e. Comments on the Improvements Im rovemertts are in avers condition with no ical or functional leads uacies noted. o,d.,~,,.~.,.n.,..,,.,...,,,..,,,...........~._ ..~_-- (t^u-lD gena•alpurposc npp,a~sai report Pepe i ai 2 . -----_.__ m..w,,,e. wo~apowrnro. (OPAR"') General PuPose APP~M ihoort 7?/tp06 GPAR OSe/111~ee ADDENDUM Client: Irwin & McKnight File No ' 09-0469 Property Address: 21 Country Club Road Case No ' City: Carlisle State: PA Zip: 17015-8887 Neighborhood Market Conditions List/Sale ratio approximately 95°i6. I have considered relevant competitive listings and/or contract offerings in the pertormance of this appraisal and in the trending information reported in this section. If a trend is indicated, I have attached an addendum providing relevant competitive listing/contract offering data. Local multi-list data indicates stable market in the past calendar year with no appreciation in the subjects market area, with an average marketing time of 90-180 days. Economic trends and lending rates have remained favorable. Sales concxssions are occuring more frequently; however, there is no known prevelance of unusual seller financing concessions or buydowns. There are new homes under construction in surrounding developements, as well as resales available in the neighborhood. ~~~~~~ Summary Residential Appraisal Report F;~ No, 09-0469 FEATURE SUBJECT COMPARABLE SALE N0.1 COMPARABLE SALE N0.2 COMPARABLE SALE N0.3 21 Country Club Road 137 Brookwood Drive Address Carlisle 17015 Carlisle 17013 406 Woff Bridge Road Carlisle 17013 500 Noble Blvd Carlisle 17013 Proxim ro su 2.51 miles W 2.09 miles WNW 4.85 miles SW sale Price $ ` ~~ $ 202 000 '; $ 190 000 '' - $ 215 000 sae PricdGross uv. area $ 0.00 . n $ 127.20 . ft ` $ 130.49 . $. _ s 119.71 fc ;: , Detasotxce s Ins otn CPMLS 10173363 CPMLS 10183658 CPMLS 10167459 verificatlon sour s Courthouse Courthouse Courthouse Courthouse VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION - s DESCR~TION . s DESCRIPTION - s sale or Financing Concessions None, VA DOM 47 None, Conv DOM 33 None, Cash DOM 294 Dale of Saleli'ime NIA 02/18/2009 11/06/2009 06/03J2009 Location Suburban Suburban Suburban Suburban LeaseholdlFee Sim le Fee Sim le Fee Sim le Fee Sim Is Fee Sim Is Site .48 Ac/Av .51 Ac/Av 1.84 Ac/Av .36 AclAv view Goff Course Residerrtial Residential Residefltial De ' n e 1 Sto 1 Sto 1 Sto 1 Sto of Conswction Avers Averse Averse Avers Actllsl a 56 Years 59 Years 45 Years 43 Yeam Condition Avers Av Good -5% -10100 Avers Avers Above Grade tar aatls raet seas tar aria Tael 9ata Raom Count 8 3 2 6 3 2 6 3 1.5 000 9 5 2.5 -2 000 Gloss area20.00 1 860 . ft 1588 . n 5440 1456 . iL 8 080 1 796 . iL 1 280 Basement & Finished Rooms Below Grade Fuli Bsmt Full Bsmt Famil Room FamRm/.SBth -2 000 Full Bsmt None 2 000 Full Bsmt None 2 000 wnctional uti' Avers Avers Averse Avers e FHA/EBBINone FHAlCA -4 000 HP/EBB/CA -4 000 FHAICA -4 000 Efficient Items T it.al ical T it.al T ical Ga rt 2 Car Gara e 1 Car Gara e 5 000 2 Car Gara 2 Car Gara PorchlPetiolDeck PoNDck/B Deck/Patio 2 000 CovPatio/ 2 000 ScInPoHPto 1 Fire lace 2 Fire laces -3 000 1 Fire lace 1 Fi lace Fence None 2 000 None 2 000 None 2 000 Net ad' stment o + X - $ 4 660 X + $ 12 080 + X - $ 720 Adjusted Sale Price Net Adj. -2.396 NetAdj. 6.496 of Coin bees .: GrossAd' 16.696 $ 187 340 Gross 10.696 $ 202 080 summa of salesCom ison oath O inion of value ran is;197 000 to 214 000. No site ad ustrnertt Net Adj. -0.396 Gnus 5.296 $ 214 280 for coat table #2 since it is serviced b well and se c. The condition ad usbnent for coin table #1 reflects recent u rade windows/doors remodeled kitchen with ranite courlterto .Lack of suitable coin tables withi s includi anew roof new n the sub act's immediate vicinl aired an ex nded search area. These are the best sales coin rabies known to be available. 'COST APPROACNTO VALUE ~ . site value comments A review of vacant land sales within the sub ecYs market revealed two sales of s70 000 each for acres a of . .44 and .46 acre res vel . O inion of site value - 70 000. ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE ........................................ = S 70 000 Source of cost data Dwelfin . FL $ ............ _ $ 0 r from cost service EfteCtive date of cost data S . Ft $ ............ _ $ 0 Comments on Cost toss I area ecietion etc. COSt roach deemed 8 or indicator Of value rt . Ft $ , . , , , , , , , , , , _ $ 0 Total Estimate of Cost•New ............ _ $ 0 Less P wnctional Extemat De reciation = $ 0 De reCiatedCostofl rovernents ................................ _ $ 0 ns-1s" value of Ste Im rovements ................................ _ $ INDICATED VALUE BY COST APPROACH ...................... _ $ NIA INCOMEAPPROACHTOVALUE: Estimated Month Market Rent S N/A X Gross Rent Mu fiat N/A = S N/A Indicated Value Income A roach Summary of Income Approach (incklding support for market rent and GRM) NIA Indicated Value SalesCOm isonA roachi205 000 CostA roach tdevelo s N/A IncomeA fdennlo s NIA The Market Data Ana is su m o inion of value for the sub act The Cost A roach was not deemed an a ro riate indicator of value and therefore was not included herein. The Income A roach was also deemed ins ro riate for this anal is. This appraisal is made X "as is; subject to completion per plans and specifications on the bads of a hypothetical condition that the improvements have been completed, ^ subject to the following repaks or alterations on the basis of a hypothetical condition that the repabs or afieradons have been completed ^ subject to the fotioruing: The ro has been a raised in current condition. This is for the clients use onl . Based on the scope of work, assumptliats, limiting conditions and appraiser's certltir~Ort, m ou y ( r) opinion of the defined value of the real property that is the subject of this report is S 205,000 as of 10/28/2009 , which is the effective date of this appraisal ~, ~. ~ , ~., . n ., ~..,.,.. M ,,.., r ......... `. _. ~ _._.... _,,.T_-~.......~.........,.,.,,,,,.,,. i z a 2 (YPW+"') General aurpoae Appraisal Resort ]?!2006 gcncrnlpurposnappr:nsaii~upor~ S.W. Barrett Real EStats S Appraisal Services ca ~~'w0e File No. 09-0469 Scope of Work, Assumptions and Limiting Conditions Scope of work is defined in the Uniform Standards of Professional Appraisal Practice as " the type and extent of research and analyses in an assignment" In short, scope of work is simply whatffie appraiser did and did not do during the course ottee assignment K includes, but is not limited to: the exterrt to which the property is identified and inspected, the type and extent of data researched, the type and extent of analyses applied to arrive at opinions or conclusions. The scope of this appraisal and ensuing discusskxr in this reportare specific tothe needs of the client, other identHfed intended users and to the intended use of the report. This reportwas prepared for the sole and exclusive use of the client and otirer idetrti8ed intended users for the identified intended use and its use by arty other parties is prohibited. The appraiser is not responsible for unautl~arized use of the report. The appraiser's certification appearing in this appraisal report is subjectto the fogowing conditions and to such other specific conditions as are setiorth by the appraiser in the report All extraordinary assumptions and hypothetical conditions are sorted in tire report and might have afbcted the assignment results. i. The appraiser assumes no responsibifiy for mamers of a legal nature atlectlng the property appraised or title thereto, nor does the appraiser render any opinon as do the title,which is assumed to be good and marketable. The property is appraised as though under responsible ownership. 2. Arty sketch in this report may show approximate dimensions and is included ony to assist the reader in visualizing Use property. The appraiser has made no survey of the property. 3. The appraiser is not required to g'nre testlmony or appear in court because of having made the appraisal witlt reference to the property in questlon, unless arrangements have been previoudy made thereto. 4. Neither atl, nor arty part of the content of this report, copy or other media thereof (including conclusbns as to the property vakre, the identlty of the appraiser, professional designatlons, or the fxm with which the appraiser is connected), shall be used for any purposes by anyone but the rabM and other intended users as identlfied in this report, nor shall it be cornreyed by anyone to the public through adveNsing, public relatbns, news, sales, or other media, without the writlen concept of the appraiser. 5. The appraiser will not disckrse the contents of this appraisal report unless required by applicable law or as specified in the Uniform Standards of Professional Appraisal Practlr:e. 6. Information, estimates, and opinions furnished to the appraiser, and contained in the report, were obtained from sources considered reliable and believed to be true and correct However, no responsibifitlr for accuracy of such items furnished to the appraiser is assumed by the appraiser. 7. The appraiser assumes that there are no hidden or unapparent conditions of the properly, subsoil, or strucwres, which would render ft more or less valuable. The appraiser assumes no responsibility for such conditbns, or for engineering or testing, which might be required to discover such factors. This appraisal is not an emrironmental assessrtmM of the properly and ~oukf not be considered as such. 6. The appraiser specializes in the vakratlon of real property and is not a home inspector, building contracmr, strucWral engineer, or similar expert, unless otherwise noted. The appraiser did not conduct the inansive type of field observations of tl-e kind intended to seek and di.~cover property defects. The viewing of Ure propery and arty improvements is for purposes of developing an opinion of the defined value of the property, given the intended use of this assignment Statements regarding condition are based on surface observations only. The appraiser claims no special expertise regarding issues irxkrding, but not limited to: foundation setl~ment, basement rrroisWre probktms, wood destroying (or other) insects, pest infestatlon, radon gas, lead based paint, mold or emrironrrmnml issues. Unless otherwise indicated, mechanirxti sys~ms were not activated or tested. This appraisal report should not be used to disclose the condition of the properly as it relates to the presencelabsence of defects. The client is imiited and encouraged m empty qualified experts m inspect and address areas of concern. tl negative conditlons are disrxwered, the opinion of value may be affected. Unless otherwise noted, the appraiser assumes the component that corrslitute the subject property improvement(s) are fundamentally sound and in working order. Any viewing of the property by the appraiser was limited to readiy obrervable areas. Unless otherwise noted, attics and crawl space areas were not accessed. The appraiser did not rtrove (umiWre, floor coverings w other items that may restrict the viewing of the property. 9. Appraisals irnohring hypothetical conditlons related to completion of new construction, repaks or alteration are based on the as~mptlan that such completon, alteraton or repaks wip be competently performed. 10. Unless the intended use of this appraisal specificaly inckrdes issues of property insurance coverage, tltis appraisal tiroukt not be used for such purposes. Reproduction or Replacement cost figures used in the cost approach are for valuation purposes ony, given the irr~nded use of the assignment The l~finitbn of Value used in this assignment is unl'~key m be consistent witl~ the defmitlon of Insurable Value for property insurance coveragehrse. ].1. The ACI General Purpose Appreisai Report (GPARTM) is not intended for use in transactions that require a Fannie Mae 1004fFreddie Mac 70 Corm, also known as the Uniform Residential Appraisal Report (URAR). Additional Comments Related To Scope Of Work, Assumptions and Limiting Conditions None __ Weaoea wino Aq fapwre, eooaae.en7 wrevarJw[b.mm Thle ram copy~lonle rooslaoe Aq Ohhion a ls0 awns Santos, inc. N ~ aawea. AWI~AMTM aam t a 2 raPARe1l Genera Puoase Aeonisal Rent ]1fZOR5 GPN0.JM 05011120De general purpose eppraieo l repon File No. 09.0469 Appraiser's Certification The appraiser(s) certifies that, to the best of the appraiser's knowledge and belief: i. The statements of tact contained in this report are we and correct 2. The reported ansyses, opinions, and conclusions are IimiOed only by the reported assumptlons and limiting conditlons and are the appraiser's personal, impartial, and unbiased professional analyses, opinions, and conclusions. 3. Unless otherwise stated, the appraiser has no presem or prospective interest in the property that is the subject of this report and has no personal interest wdh respect b the parties involved. 4. The appraiser has no bias with respect b the property that is the slrbject of ihb report or ro the parries involved witlt this assignment 5. The appraiser's engagement in this assgnment was not comingent upon devebping or reporting predetemlined results. 6. The appraiser's compensation for completing this assignment is not contingent upon the devebpment or reporting of a predetermined value or directan in value that favors the cause of the client, the amount of the value opinion, the attainmerN of a stipulated resuh, or the occurrence of a subsegrrent event dhectiy related tD the intended use of this appraisal. 7. The appraiser's anayses, opinions, and conclusions were developed, and this report has been prepared, in corttormity witlt the Uniform Standards of Professional Appraisal Practice. 8. Unless otherwise noted, the appraiser has made a personal inspection of the property that is the subject of this report 9. Unless noted below, no one provided significant real properly appraisal assistance >p the appraiser signing this certification. Significant real property appraisal assistance provided by: Additional Certifications: None Definftlon of Value: XQ Mwltet Value ^ Otlter Value: Source of Definition: USPAP The most probable price in terms of money which a property should bring in competitive and open market under aii conditions requisite to a fair sale, the btryer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. ADDRESS OF THE PROPERTY APPRAISED: 21 Country Club Rosd Carlisle. PA 17015-8887 EFFECTIVE DATE OF THE APPRAISAL: Octob@r 28, 2009 APPRAISED VALUE OF THE SUBJECT PROPERTY 3 205.000 APPRAISER SUPERVISORY APPRAISER ~-~-- ~ / Signature: ~Q Signature: Name: Stan A. Skowronek Name: Steven W. Barrett, SRPA, SRA. ASA state Certificetion # RL001572L state Certificetiort # GA000298L or License # or License a RB026821A or Other (describe): state ~: State: PA State: PA Expiration Date of Certification or License: 06/30/2011 Expiration Date of CBAification or License: 06/30/2011 Date.of Signature: 11/18/2009 Date of Signaure and Report 11/18/2009 Date of Property Viewing: Date of Property viewing: 10/28/2009 Degree of property viewing: Degree of property viewing: ^ Interor and Exterior ^ F_fcterior Only XQ Did not personaly view XQ Interior and Exterior ^ Exterior Orly ^ Did not personaly view `' ~ ~ Moduud YWq Ap SaISSSIf. r00.?,YI.rTM SeNw.SdSAb.am TIPS Ipm CagnipAtOl00Stax1AQ DMtlon aI ISA GSYIS SSMnf, ISS.. AM Porhb RtlSISM. ~ Pepe z d z (oP"a^') o"'"e1 repo: ~ A os aurtna ~ t gene aryrmpusr.. pprninairrpnrt S.W. Barrett Real Estate $< Appraisal Services FLOORPLAN Client: Irwin b McKnight File No.: 09-0469 Property Address: 21 Country Club Road Case No.: Ci :Carlisle State: PA Zi :77015 Sketch by Apex IV WlndowaTM' AREA CALCULATIONS SUMMARY Code Description 8be Totals GLAl First Floor 1860.00 1960.00 ~ P/P Braeswray 110.00 Porch 429.00 ~' Porch 294.00 Wood Dock 468.00 1301.00 " E?~ GAR Tyro Car Garage 506.00 506.00 ~ ~~ i;l 1~ i~ j ;`~ ~:i ~~ .; LI l [~ 1 ~~ ~:~ ~!y1y ~',1 4~ ~3 ( ~ TOTAL LIVABLE (rounded) r f'.~ 1860 LIVING. AREA BREAKDOWN Breakdown Subtotals First Floor 14.0 x 28.0 392.00 22.0 x 49.0 107e.00 10.0 x 39.0 390.00 3 Areas Total (rounded) 1860 ..vvv~v ~ r ~~v~ a~~• ~ ~ r ~ ~v ~ v AVI/G111YVIY1 Client: Irwin 8 McKnight File No ~ 09-0469 • Property Address. 21 Country Club Road Case No Ci .Carlisle State: PA Zi :17015 FRONT VIEW OF SUBJECT PROPERTY Appraised Date: October 28, 2009 Appraised Value: $ REAR VIEW OF SUBJECT PROPERTY STREET SCENE ~.v~v~rr-rv~o~c rr~vr~r~ ~ i rnv ~ v MuuClVUtJw1 Client: Irwin 8 McKnight File No.: 09-0469 Property Address: 21 Country Club Road Case No.: City: Carlisle State: PA Zip: 17015-8887 COMPARABLE SALE #1 137 Brookwood Drive Carlisle 17013 Sale Date: 02N 812008 Sale Price: $ 202,000 COMPARABLE SALE #2 406 Woif Bridge Road Carlisle 17013 Sale Date: 11/06/2009 Sale Price: $190,000 COMPARABLE SALE #3 500 Noble Blvd CaMisle 17013 Sale Date: 06/03/2008 Sale Price: $ 215,000 LOCATION MAP Client: Irwin 8 AAcKnight File No • 09-0469 Property Address: 21 Country Club Road Case No • Ci :Carlisle State: PA Zi :17015-8887 Client: Irwin 8 McKnight File No.: 09-0469 Propertll Address: 21 Country Club Road Case No.: City: Carlisle State: PA Zip: 17015-8887 PloodMap iLegend Flood Zones Areas inurdelad trySOb~yserfloc~ng Areas adua. ortha 1tW~ and st)ayaar tboaplatrs AtNS trnrtdwd by to0~yaarnooang ~~~~ FbodMray anoss Fbodrray areas rMlh wlodty haaro Ataaa a unaNantNtaO ea paastDN tlooq hattat~ds Areas nor atappad on sny pebasttea FIRM Elaod Information Community: 420363 • MIDDLESEX, TOUNNSHIP OF Properly is not to a FEMA spedaE flood hazard area. Map Nttre>Iber: 4203630232E Map Elate: 20090316 Panel: 0232E FIliB: 42041 zone: x Neilhef TranaaateAea FIOOO hEasard CertlfkaUOn (TFFEG) e0r ACi make an'jl reprasentatlons ar wratrantlas to any party conoamYrg the con7ent, accuracy or compkiteness at this flood report, any warranty of nrarchantabiNty or fltfless for a paruartar pnrposa. taefgrar TFHC nor ACt nor the self of this flood report ahel! have any IlabNky to aay third party for any use ar mlauae of this Rood report f~ ******'"** QUALIFICATIONS ********* The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the inspection of the subject property, the comparables sales, and their neighbofioods and locations. Unless otherwise noted, the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home inspection service. This is an appraisal to estimate market value. 1. The subject is located in a rural area and is less than 25% built-up. 2. Commercial/Industrial uses are located within the subjects neighbofiood. These uses are typical of similar neighbofioods. x 3. Vacant and undeveloped land uses are located within the subjects neighborhood. These uses are typical for the area. x 4. The predominant value in the neighbofiood is less than that of the market value of the subject property. This is due to the very wide range of value of properties in the area and superior quality of the subject property. 5. The subject property is located in a F.E.M.A. Identified Flood Zone. Flood insurance coverage is required and suggested. 6. Dampness is noted in the basement of the subject. Standing or running water was not present on basement floor. This condition is considered typical in dwellings of this style. 7. The subject properly is serviced by private well and/or septic systems which is common for the area. _x 8. The subject is older than flve(5) years. Ali mechanical systems including the heating, electrical and plumbing systems appear upon a visual exterior inspection to be in working order. No warranties are implied in this statement. 9. Repair items were noted in the commenrts section of the report. These comments on repair items are for descriptive purposes only and are not required repairs. The items listed are cosmetic in nature. _10. The basement floor is a dirt floor. This condition is common and typical for the area. and does not pose a health or safety hazard. _11. The subject property does contain functional obsolescence as noted in the report. This condition is considered typical and common for the area and this style dwelling. x 12. The land value exceeds 30% of total value due to the high demand for vacant land in this neighbofiood. This condition is considered common and typical for the neighbofiood. _13. The land value exceeds 30% of total value. This is due to the large size of the site. This condition is considered to be typical and common. _14. Individual adjustments were required that exceed 15%. These adjustments were required due to lack of more similar comparables on that individual rating. All comparables used are the best available. _15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the subjects market area. Aii comparables used are the best available. _x_16. One or more comparable sales are older than six(8) months. Although there are comparable properties in the subjects area, none have sold recently; therefore, sales in excess of six(5) months have to be used. All comparables used are the best available. _x 17. One or more comparables used were in excess of one (1) mile from the subject property. Although there are comparable properties in the immediate area, none have sold recently. Therefore, it was necessary to use comparable sales outside of the immediate area. All comparables used are located in similar neighbofioods and within the same marketing area. All comparables used are the best available. _18. The electrical system was not connected during inspection. _19. The water service was not connected during inspection. _20. The heating system was shut down during inspection. _21. Roofing Plumbing Electrical Heating_certiflcation(s) is/are suggested. _22. Inground swimming pool .out buildings are included .not included according to lender's guidelines. _23. According to lender's guidelines a maximum of acres were considered for this valuation. Remaining acreage was given no value. ********* QUALIFICATIONS'''"*'"'**** _24. The subject property is located on a private road. _25. Wood infestation inspection is suggested. x 26. Last recorded deed transfer: Date 05/30/1985 . Consideration: S 55,000 _27. Proposed constructionln3novation in accordance to plans and specifications to be completed in a workman-Uke manner. _28. Seller is paying part or ali of closing costs. _x 29. All comparable sales are verified closed sales. x 30. There are no special conditions or other requirements that would affect market value or future marketability in the Appraisal Report. *'"~****** QUALIFICATIONS ********* Corrtidentialityend Security Policy We consider privacy to be fundamental to our relationship with clients. We are committed to maintaining the confidentiality, integrity and security of clients' personal information. Internal policies have been developed to protect this confiderrtisiity, while allowing client needs to be served. We restrict access to personal information to authorized individuals who need to know this information to comply with federal standards to protect your nonpublic personal information. We do not disclose his information about you or any former consumers or customers to anyone, except as permitted by law. The law permits us to share this information with our affiliates. The law also permits us to share this information with companies that perform marketing. When we share nonpublic information referred to above, the information is made available for limited purposes and under controlled circumstances. We require third parties to comply with our standards for security and cor~fientiality. We do not permit use of consumer/customer information for any other purpose nor do we permit third parties to rent, sell, trade or otherwise release or disclose information to any other party. Education As of the date of this report, I andlor Steven W. Barrett, SRPA, SRA, ASA have completed the requirements under the continuing education program of the Appraisal institute. -= Sovereign Bank STATEMENT OF ACCOUNTS R :~ ~ '1;877-SOV-BANK (1=877-768-2265) wwwsovereignbank.com - SOVEREIGN •iNTEREST CHECKING n-n~ n una~c - GLENDA ANNAN WAGNER'ATTY:IFF Qeposit Accounts e Account" Number Average iDaily BalanWce Current Bala~xffnE.ce ;7.e5;~ ~~~~~.,~'.^ ~~ ~ T>GI~tNt i~1V ~~* ~~~ ~~I C' '~FW~'~vS.t ! `~lZ~~~~ ~ ~ ^Ri~ M-T ir~ }~~~. ~~ '~^~W~~"V: c ' ..:. n.R T`~r .. r. ..w* .t, 3; Y f~ Sn. t..n. e. 'F Y' `• ~(ra ~ s~,x /~~ <•v~~`dyQ .tY~' , . ~ ~. ..: .xx ... :. . ,: :. STATEMENT SAVINGS ACCOUNT 2894024120 $3;006.07 ,~~Op6:~07; ~~ ~' Total Deposit $3TS1.2s ~ ~~ ,.:: , _ ,.: . K~MA GA9LE Account #` 1:691027863 GLENDA ANNAN WAGNER A 7TY 1FF Balances .. .` ~"-~zs:~r ..~?r x: 3.K. ~•tx m~ ? rs i `8~.. w.~c~ y.: ,~~~i'~`.. 3z".' = ,,~+Ll:~ .. 2B q~~ 1u~ i~~1{ ~'. ~ ~ _.. ~41 ;.~ ~ t ~ 3,~ 7~5 r ~ {'~j~. j, ~yq R. + G 79'R."YC4%. ;,,~ 4Yt g.~nx : ,~: '°2 `:}' ~: ST~:4'J";~t'~t...~.•<~:.n ,k'~ ~F ~.~~.i..~: -.^:rw`"3~«"~i~1~r i ~~w~~*., .l, j C~t'011~ N ~' ~tl t •,~ z ~".~t,~;, ~~i. ..,m.. ar.~ ,rr,. m~~-..,?aT., ~ srk~:.: a.3 ~:~ .,+~ k ~: s.~.e"~ f Y:~ i.-, .4- - - Deposits/Credits + $73.01 Average f?aily Balance $1,570.43 x - ,. nth ~ ~ a ~ n F$,~;' ~ s t'` ~ ~ ~~tt~dra~va~ ~ '~~ ~s ~r ~, :~ ~{,~ ()...Y.r.:S. rr..4t•!?1..ef X, .. ..~'Y/li..h~`3xi~?t r~9 xtt:: ;47 t;1...•#~.. :C.:} 'Y~O"S fY'~S I. ~ ~.?~.'` > tqu ~, r ~_~' ~ °'~i n -3 ~ ,~~...~~ ~~ q ~ ,~}'~.~.$~ _.vts~.'~.hA~av. J: ~'~• Q. a.4Y.XS>'ks, ...i~'~i" i~iw~`:. YA ~ 'NY. ~ C. ~ a . '+-..t ~, t a~ ;~ , {y`t~~S,~~3g : ;~ .~::-E~ .ems. .....~ "rYk~ :.l.C w[4+Z~~~c, f~ i' Interest 1 Y Y "s !.. ~ ~ ~ ~ Nvaa. * ~ ~ ...~ :"T.~.y ~r~ ..~~ ~ 9'~ s'~ ,e.~ ~. .:., ~t~'r C ~ - y. t "4 K F Y~' . ~`s~4,~ '~~ d . ~M. $,. ~. ~~~~ ~~~Yielcl~aroet~ ~ 'xt`t _' Earned this Period $ 0.01 Paid Last Year $1.43 .~}~i~ryf~ui~~"//', $IL. t~~>jj n- 'n' ~a. (~_~ ~~..~~' ;~i m y "_ ~ ~.~k `Fz1~~ > r~, ) x ~Q~,Id litei~~'~VA U8t6 + ~ ' .t- _ ~~ ; i JY .~~ 1 r-~z Y . iX $ (x»57 '" 2Y.~ ~ 'C s1"a~~? ~ :~xa"A,° k y5 ~ >~n3'i~b~ ' k y t~r '~'~ ., , }.. :. J .. S ~.'., h:• y. .. q •f.. T `.~ "~.: ~t.. Y4XJ' ~t ~ ~ :A ~ C ~$~~ 13 ..; m *The interest earned and the interest paid may differ depending on when interest:is credited to your account Service Fees Date # Transactions Fee Total '':~~N:i~HH~~~1~1A1~~IT.'Ef~~-~~~Ef~; '' ~ F`" ~1~1.iS~fti r ~_ ~~xj ~10st~d ~ ~ k ... ~~.~~` FEES WAIVED 11/20/09 1 -10 00 - $10 00 Total x0.00 .~~ ~. .! ~ ,~ ~ ~~ ,~ • ~ r j/ '~~~ j ~ "L! LL ~/ ~/ ~~ '^~ j) r v 'sue. J 1VJ ~~~ ~, V ~. T- ~-~~ 1. ~"~'~~~ ._ page 3 of 6 1691027863 • 1 __ Statement Period 10/22109 TO>1112ti09 f Jc~J a wsJF c+uaalt v~ 17e+s ~ 334 - as '~T ~r0~ amens _~ / ~ sbl•~ oa `W ~$OVeI 88111 ~ N. 2313? 269 i~: 169 L0 2?863x0 34 x'0000006 L?9~ 1691027863 # 334 10/23/09 $61.79 JGM a taABLE 336 CAIe18LE PA 1701! $ J 1 wRi.:d(~ ZT~ Re ® C:. ~~ ~~jdn B~ JO/~/py ~~0289' OOdSc d99 1:2313?269iJ: L69i027863M0336 1691027863 # 336 10/22/09- $200:00 ian~ a GAeJ~ ~ ip ~u 3 3 8 . ainuel.E v~ 17o1s ~ Dies ,,J, „_ Q~ role ~:23i 269 i1: L69102?863x0338 1691027863 # 338 1.0/26/09 .$400.00 o -1°u' : IpM A. l~R8L8 535 :. . +wlws ~. . aR4 psis N N ~ ~ : erwas ~ ~a a or ~ m : i ""~ o w m rv ; . Wi81'~IIBeYilI' wl J: 2B 13?269iti 169102?863~'033~5- 1691027863' # 335 10/23/09 $31 98 RIM Ai GlICLB G1R•l6LE. PA'' 17015. e~~avnu 337 ~~k061 PQ~ r '~ ~ o-n.~~ ~ is aor 5 e ~ . $ Sa _~ 2 _ ~~~~ 17a~ • ~ tta%. ..• J:23137269~i1: 16910.2?863N0 3?:,~~000OQ.}5948'_,,;; 7691027863 # 337 10/27/09 :$1.59:48 KIG7 a GABLE cuasl> v~ 17s1s m'aaiao 3 3 9' +~ ass_ z J'1 _ . urmnu ~' /~ mwano7 ~~/- ~'/~S'~ R}>i~'. ~6 :~ J :OLR=t;7~ ~.Q ~ ~ / ~ L~ n /~ /// /Vn[)/~ ~~~d ~:23i3?269 U: 169102?863x0339. ,r0000i29960~' 1691027863 # 339 11 /04/09 $1,299.60 ~~1~~~ page 6 of 6 1691027863 a . Statement Period 10/22109 TO 1'IJ2?~09 1-877-SOV-BANK (1-877-768-2265) wwwsovereignbank.com SOVEREIGN INTEREST CHECKING ~~ Checks Posted Check # Date Patd Amount Reference x a ti ~~ * t r ~ c~: ; ~ ,..f z:. y ~.. 335 10123 $31.98 652558700 ~~ Check # Date'Paid Amount Reference # 337. 10/27 $159.48 636272910 t' ~= ~~• ..5.. ~~Vt. ~x `:~ w, iK. 8 339 11/04 $1,299.60 972039945 6 Check(s) Posted = $2,152.85 An asterisk (*) indicates a skip in sequential check numbers which may be caused by one ofahe following: ~ A check not yet received A check that was converted. to an electronic transaction, vuhich will be listed in the "Electronic Checks Posted" section below. If no checks were electronically converted, this section will not appear. Electronic Checks Posted Check # Date Paid Amount Payee Check # 2 Check(s) Posted Electronically= $181.29 Please note: 333 Date Paid Amount Payee 10/23 $100:00 DISCOVER A The merchant you paid has converted these checks into an electronic transaction. Because we did not receive the original check or a copy of the check, we cannot provide the check with this statement. If the check number is zero, it means the merchant did not provke the check number in the proper format. Please refer to the 'Account Activity' section below to locate the check number in the transaction description. Account Activity Date Description Additions Subtractions Balance 10-22 Beginning Balance $3,614.34 . ws.l.'fkJ X. .. .. ~.. 10-23 DISCOVER ARC $100.00 $3,314.34 PAYMENTS 091022 333 .. ~ ~, ~ f ~ t 1~ ~ ~: ~ ' . - ~, `'i : r t Y t ~ t ~a~~7! ' ~ mt r ~1' ; ~ t : ~ ~.."3t'~ ~2 Y 1. ~ ,<:: :~. w:. ~ ~ ~t y out Y ~3, t~:W: ~ i~ kfS":l A~ - .iG''?~ 11-02 SOVEREIGN BANK $0.77 $2,074.80 MORTGAGE PAYMENT ACCT NO 035-6108698 Sys` Y' C _~ b. F~~f~ P . ..~ .3° »} ~ {~J{, 11-20 INTEREST CREDIT $0.01 $775.21 ` 11-22 Ending Batance $775.21 page 4 of 6 1691027863 PENSION -Page: 1 Document Name: untitled "DDHIST Demand Deposit Display History Acct 1691027863 Request ALLTRANS Alpha key GABLEKA.02 Last stmt 10/21/09 S --Date-- ----Description----- -Serial Nbr- 10/22/09 CASH CHK 336 10/22/09 DAILY BALANCE 10/23/09 DISCOVER ARC 333 PAYMENTS 091022 333 10/23/09 CHECK 334 10/23/09 CHECK 335 10/23/09 DAILY BALANCE 10/26/09 CHECK 338 10/26/09 DAILY BALANCE 10/27/09 CHECK 337 10/27/09 Embarq BILL PYMT 331 091026 331 10/27/09 DAILY BALANCE -Reference- ------Amount------ 06684309330 (200.00) 3,414.34 00077900000 (100.00) 09970705210 (61.79) 06525508700 (31.98) 3,220.57 09971908685 (400.00) 2,820.57 06362702910 (159.48) 00077900000 (81.29) _ DDDHISTREQ _ DDDHISTBAL _ DDDMAIN DDDACCT Last page of information. COMMAND =__> F7=Backward 2,579.80 _ DDDINT GN20000I02 F2=Retrieve F3=Exit F4=CRFwindow 6017 10/27/09 Date: 10/28/2009 Time: 1:50:11 PM Page: 1 Document Name: untitled ~ ~~ _ DDMAIN Demand Deposit Display~Main 6017 10/27/09 Acct 2894024120 PMA ACCOUNT Rate index 611 Pg 1 of 2 Alpha key GABLEKA.02 WAYP Branch 0289 Area 0289 Product D401 Officer -- ----------Amounts-------------- ------------Account Information------------- Ledger 3,006.07 OD limit POST ALL Collected 3,006.07 Return cd 0 Unc funds cd 2 Sweep cd OFF ATM indicator 0 Last stmt 10/21/09 Lst Cus dt 07/10/09 Opened 02/23/04 Last trans 07/10/09 Receipt bal 3,006.07 Signature locator: Last deposit 02/10/09 (009878022425) Accrued int CTD 0.44 Last dep 150.00 ---MMA COUNTERS---- Int paid YTD 6.07 ATM limit 100.00 Chks/POS 000/00000 Fed tax withheld 0.00 Total ATM dep 0.00 Trans/ELE 000/000 Int paid last year 13.80 ATM available 0.00 Drafts 000 _ DDDHIST _ DDDACCT _ DDDOVERDRFT _ DDDINT _ DDDFUND COMMAND =__> F2=Retrieve F3=Exit F4=CRFwindow F6=Toggle F8=Forward Date: 10/28/2009 Time: 1:50:25 PM ~a F1 ~ ' ~ ~~ ~ ~ ~ ``~ ~ ~ ~~ ~ ~O ~ .~~~~ / ~ ~ ~c~~ ~: v~~d' ~ ~~~~~ moo' ~ „~~ ~ ~, i ~ ~ .~ /l ~~ ~a ~~~~~~~~~ /.Z ~ ~ ~~'~ciz~~ ~~ ~u ~~~~ ~~~ ~~ ~~ d~~G~i~~~ ~a e/fiZ,/ /?-e2iz? ~ c~ u / ~~~ - ~--=~ ~~ ..~~.-~a.~~ ~G~ ~~ .-emu ~ti+r~ ~ ~ ~ 5~ °b Gcfa-~~rc ~~ `~ G~ac.a~D~y/~~2~!~ /4 orb ~°~~ ~~3 ~j 6s2 ~ ~ /AQ ~/ ~~~~~ w~ ~~~ ~ w ~~~~ ' J -ate ~o ~~~ w ~d ,, ~,~-~ ~~~ ~~~ w ;~ G~z~z 3a ~ ~ ~~~ -~-~, 5~ ~•~ f2 Q s;~~ ~~~~~ a ~ ~~~ ~~~~~Ga~/ 7s A ~ , ~~~ ,~ , ~~~~~ f ~^ • W s~~ 1X.2-~~~° ~'~'~' ,/ ~ G,b's r __~, .~ ~~ ~O . /~ Cam/ ~a ~ ~~ ~~ ~ ~a ~~ ~~ /~ ~~ ~) ~ ~~_~ ~i2 ~ -~ .~ ~ ~ ~d ~• / - r ~~ ~ ,. 4 ~ ~ ~ ~%~~ ~` ' ' C~~, ~.~ ~, `~ cam.- / ~* / ~ a~ ~ r • . ~. e ~~ E r~- ~~~ ~` Li,-~z~s-_~~~~~o~ ~P87 O~~S~P~~ ~`~ j ,~ d ~~ p ~a0~. ~a~ ~~ 0~ ~~ Sovereign Bank KIM A GABLE 21 COUNTRY CLUB RD CARLISLE, PA 17015-8887 ~o STATEMENT OF ACCOU1~255959-o0A Account Number: 6819066465 Statement Period From: 10/ 14/2009 Statement Period Through: 11 / 13/2009 Days in Statement Period: 31 Current Balance: 4 , 694.40 Credit Line Amount: 40, 000.00 Available Credit: 35 ; 321 .55 Year to Date Interest: 98.08 Minimum Payment: 100.00 Payment Due Date: 12/ 1 1 /2009 IMPORTANT MESSAGES The Sovereign Home Advantage credit card-more rewards. With a Sovereign Home Advantage MasterCard(R), issued and adm i n i_stered b.y F I A Card Services , N . A . , you can get a credit card that fits your specific needs as a homeowner.. You can redeem points for cash quicker with•Direct Cash Back. Funds are deposited directly into your checking or savings account. To apply, stop by any branch, visit us at sovereignbank.com or ca11 1-877-SOV-BANK. • ~ ~ • Principal Due $84.05 Beginning Balance $4,778.45 FINANCE CHARGES Due $15.95 Advances $0.00 Past Due Amount $0.00 Payment Received $100.00 Late Charges Due $0.00 FINALE CHARGES $15.95 Total Minimum Payment Due $100.00 Ending Balance $4,694.40 SUMMARY OF VARIABLE RATE REVOLVING ACCOUNT BALANCE Periodic Rate From 10/14/2009 Periodlc FINANCE CHARGE $15.95 Periodic Rate Through 11/13/2009 Corresponding ANNUAL PERCENTAGE RATE 4.0000 Daily Periodic Rate* .0001095890 ANNUAL PERCENTAGE RATE 4.0000 Average Daily Balance $4,694.74 Ending Balance $4,694.40 * The daily periodic rate may vary. TRANSACTION ACTIVITY SINCE YOUR LAST STATEMENT Posting Date Effective Date ~ Activity Description Amount Balance 10/14/2009 BEGINNING PRINCIPAL 4,762.63 10/20/2009 10/20/2009 REGULAR PAYMENT 100.00 4,678.45 TO PRINCIPAL 84,18 TO **FINANCE CHARGE** 15,82 11/13/2009 ENDING PRINCIPAL 4,678.45 1'- ~ ~~~~ ~~ Please return this portion with your check. ~` 4 Bill To: Glenda Wagner 11'8 Lakeview Dr Carlisle, PA-17013 c. ,t DICKINSON COL~.EGE PACE: ~ - CASI-~I~R'S~ OFFICE PO BOX 173 - CARLISLE, PA 17013=2896 717-245-.1909 - STATEMENT OF ACCOUNT . INVOICE NU.MBER:. S0073371 CUSTOMER ID: 9001'.93.1.'53 - INVOICE DATE; .. 16-DEC-2009 DUE DATE: ~ . ~ 14-JAN-2010 PREVIOC.IS BALANCE:. ~ 171-.46 ~~ S0:073371. ~ CURRENT CHARGES/CREDITS - ~ - ~- _ -, , Finance Charge - ~ - * TUTAL INVUTCE f3t~LANCE * ~ : 57 2.57 - ~`0 ~~ - ~~ v - ~~ ~~ ~e` - _~~ . sr` 12/5/2009 11:02 AM FROM: Sovereign Bank TO: 9,17172938927 PAGE: 001 OF 001 SOVEREIGN BANK ATTN: 10-421-P02 450 PENN STREET READING, PA 19602 **RESIDENTIAL MORTGAGE PAYOFF QUOTE** 12/05/2009 Loan Number: 0356108698 Borrower Name(s): K•IM A GABLE Property Address: 21 COUNTRY CLUB ROAD CARLISLE, PA 17013 Sent To: 717-243-8927 As of 12/05/2009 the status of this loan is as follows: Taxes YTD Escrow Balance Interest Paid To Per Diem Interest --- ---------------- ----------------- 0.00 0.00 12/01/09 13.1'790 Interest Rate Calculated To Interest Due ------------- ------------- ------------ 6.125 01/04/2010 441.30 ***Payoff Amount Calculation*** ------------------------------- Principal Balance Interest Calculated To Ol/04/201G Accumulated Late Charge Balance Life/AH Insurance Calculated to 01/04/2010 Escrow/Impound Advance Balance Payoff Processing Fee And/Or Other Fees Recording Fee Prepayment Penalty Fee Less Unapplied Funds **Total Required to Pay Loan Off** PMI/FHA To Be Deducted From Escrow Balance • Tax and Insurance Information ----------------------------- Description Date Last Paid ----------- -------------- 78,711.78 441.30 0.00 0.00 0.00 25.00 50.50 0.00 0.00 79,228.58 0.00 Amount Last Paid ---------------- Please contact us at 1-800-232-5200 with any questions regarding this payoff statement. • M~ l t ESTATE OF KIM GABLE IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA To the Clerk of the Orphans' Court: D®ceased No. 21-09-1114 of 20~ Enter the claim of DISCOVER FINANCIAL SERVICES, LLC Acct. 6011002416586725 In the amount of $1,308.98 ,against the above entitled estate. The decedent, who resided at 21 COUNTRY CLUB RD CARLISLE PA 17015 died on 10/28/2009 to GLENDA A WAGNER . Written notice of said claim was given ,if known to claimant, at (Personal Representative or counsel) 118 LAKEVIEW DR, CARLISLE, PA 17103 on December 11, 2009 ~~ `~, ~ ~ i1R t~ r~?a (Claimant) ~"~" ' ~''~ Address: 2323 Lake Club Drive, Suite 300 Columbus Ohio 43232 Claimant's Counsel Address ~ ~, ~ a ~ n' /,. 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