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Home My WebLink About05-04-10 (3) 15056041125 REV-1500 Ex (06-05) PA Department of Revenue OFFICIAL USE ONLY Bureau of Individual Taxes Coun Code Year ~ File Number Po sox 280so1 INHERITANCE TAX RETURN 2 1 0 9 0 0 8 5 5 _ Harrisburg, PA 17128-0601 R ESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 2 0 2 2 0 2 5 2 0 0 8 2 7 2 0 0 9 0 7 1 8 1 9 2' 7 Decedent's Last Name Suffix Decedent's First Name MI WEN T Z A U D R E Y M (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name ~ MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW Q 1. Original Retum Q 2. Supplemental Retum ~ 3. Remainder Retum (date of death prior to 12-13-82) 4. Limited Estate ~ 4a. Future Interest Compromise (date of ~ 5. Federal Estate Tax Retum Required death after 12-12-82) 6. Decedent Died Testate ~ 7. Decedent Maintained a Living Trust 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust) 9. Litigation Proceeds Received ~ 10. Spousal Poverty Credit (date of death ~ 11. Election to tax under Sec. 9113(A) betv~reen 12-31-91 and 1-1-95) (Attach Sch. O) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED T0: Name Daytime Telephone Number H A R D L D S I R W I N I I I 7 1 7 2 6 C ~9 0- ~ yw . wrA- _, ~ ~-~ Y % y Firm Name (If Applicable) ~`~ •`~? REGISTER O E ONf'_~ rw t: I R W I N L A W O F F I C E ~ ~ I , ~_~r. First line of address . ~"~" C ~ ~ 6 4 S O U T H P I T T S T R E E T ` z ~ 4- . t J ~ ' ~ r~i Second line of address ' ~ ~..~~ {^;~ ~"~ ~"" City or Post Office State .ZIP Code ~ DATE FILED C A R L I S L E P A 1 7 0 1 3 Correspondent's a-mail address: /rwln/ewoMlce~gmallcom 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 representable is based on all information of which preparer has any knowledge. SIGNATURE P SON RESPONSIBL OR (LING RETURN DATE 5/ /2010 ADDRESS 34 F X HOLLOW ROAD. SHERMANSDALE PA 17090 SIG OF PREPARE _ THER T EPRESENTATNE DATE 5/ ~ /2010 AD SS '' n 64 SOUTH PITT S REET CARLISLE PA 17013 PLEASE USE ORIGINAL FORM ONLY Side 1 15056041125 15056041125 'J J 15056042126 REV-1500 EX Decedent's Name: AUDREY M. WENTZ Decedent's Social Security Number 2 0 2 2~ 0 2 5 2 0. RECAPITULATION 1. Real estate (Schedule A) ........................................ 1. 1 1 5 9 0 0 0 0 2. Stocks and Bonds (Schedule B) ......... . ........................ 2. 0 0 0 • 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ..... 3. 0 0 0 4. Mortgages 8~ Notes Receivable (Schedule D) ..... ................. 4. 0 0 0 2 2 8 9 4 7 3 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ....... 5. 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested ....... 6. 0 0 0 7. Inter-V'NOS Transfers & Miscellaneous Non-Probate Property 0 0 0 (Schedule G) ^ Separate Billing Requested ....... 7. 8. Total Gross Assets (total Lines 1-7) ........:.................. 8. ~ 1 3 8 7 9 4 7 3_ 9. Funeral Expenses 8~ Administrative Costs (Schedule H) . , .............. g, 1 8 8 8 3 1 8 10. Debts of Decedent, Mort a e Liabilities, 8 Liens Schedule I 9 9 ( ) ............ 10. 4 0 3 0 11. Total Deductions (total Lines 9 8~ 10) ........................... 11. 1 8 9 2 3 4 8 12. Net Value of Estate (Line 8 minus Line 11) ......................... 12. 1 1 9 8 7 1 2 5 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which 0 0 0 an election to tax has not been made (Schedule J) .................. 13. 14. Net Value Subject to Tax (Line 12 minus Line 13) .................. 14. 1 1 9 8 7 1 2 5 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X :0 0 0 0 15. 16. Amount of Line 14 taxable at lineal rate X .045 1 1 9 8 7 1 2 5 1 s. 17. Amount of Line 14 taxable - 0 0 0 at sibling rate X .12 17. 18. Amount of Line 14 taxable 0 0 0 at collateral rate X .15 18 19. Tax Due - ..................... x:................ .. ....... 19.- . 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Side 2 15056042126 0 0 0 5 3 9 4 2 1 0 0. 0 0 0 0 5 3 9 4 2 1 15056042126 J REV-1500 EX Page 3 Decedent's Complete Address: File Number 00855 DECEDENTS N,4ME AUDI~EY M. WENTZ STREET ADDRESS 1925 WENTZ ROAD CITY ENOLA STATE PA ZIP 17025 Tax Payments and Credits: ~ • Tax Due (Page 2 Line 19) (1) 5,394.21 2. Credits/Payments A. Spousal Aoverty Credit B. Prior Payments C. Discount Total Credits (A + B + C) (2) 0.00 3. Interest/Penalty ffapplicable 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) 5,394.21 A. Enter the interest on the tax due. (5A) B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (56) 5,294.21 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 : ............................. ........................................ o a b. retain the right to designate who shall use the property transferred or its income; ............................... ^ c. retain a reversionary interest; or ................................................................................................ ^ ~ X^ d: receive the promise for life of either payments, benefits or care? ....................................................... ^ Q 2. If death occun-ed after December 12,1982, did decedent transfer property within one year of death without receiving adequate considerdtion? :.............................................................. ........................ ^ X ^ 3. Did decedent own an "intrust for" or payable upon death bank aa;ount or security at his or her death? ......... ^ 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 exemQt 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 dec~sed childtwenty-one years of age or younger at death to or for the use of a nature 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 leasf one parent in common with the decedent, whether by blood or adoption. REV-1502 EX + (8-98) r COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE A REAL ESTATE ESTATE OF AUDREI/ M, WENTl FILE NUMBER 00855 All real properly 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 properly 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 in -owned with ri ht of survivorshi must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. HOUSE AND LOT OF GROUND LOCATED AT 7925 WENTZ ROAD, ENOLA, PA 17025 115,900,00 Value based on appralsa/ attached as Exhib/t "A° TOTAL (Also enter on line 1 (If more space is needed, insert additional sheets of the same size) 11 REV-1503 EX + (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE B STOCKS & BONDS ESTATE OF AUDREI/ M. WENTZ FILE NUMBER 00855 All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM NUMBER DESCRIPTION 1. NONE TOTAL (Also enter on line 2, Recapitulation) I S (If more space is needed, insert additional sheets of the same size) VALUE AT DATE OF DEATH 0.00 0.00 I REV-1504 EX + (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT scHEO v~E c CLOSELY-HELD CORPORATION, PARTNERSHIP OR SOLE-PROPRIETORSHIP ESTATE OF AUDREI/ M. WENTZ FILE NUMBEi 00855 Schedule G1 or C-2 (induding all supporting information) must be attached for each closely-held oorporation/partnership interest of the decedent, other than a sole-proprietorship. See instructions for the supporting information to be submitted forsole-proprietorships. ITEM ~ VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. NONE 0.00 n TOTAL (Also enter on line 3, (If more space is needed, insert addfional sheets of the same size) m 0.00 REV-1507 EX + (&98) ' SCHEDULE D COMMONWEALTH OF PENNSYLVANIA M~R7'GAGES ~ NOTES INHERITANCE TAX RETURN ~ pEG-E'\/ABLE RESIDENT DECEDENT R 1lM ESTATE OF FILE NUMBER AUDREY M. WENTZ 00855 ITEM NUMBER 1. NONE All property jointly-owned with the right of survivorship must be disclosed on Schedule F. VALUE AT DATE DESCRIPTION ~ OF DEATH . ~ 0.00 g ~ tl . TOTAL (Also enter on line 4, Recapitulati (If more space is needed, insert additional sheets of the same size) S REV-1508 EX + (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF AUDREY M. WENT SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY FILE NUMBER 00855 Indude the proceeds of 1'~tigation and the date the proceeds were received by the estate. All property jointly-owned with right of survivorship must be disclosed on Schedule F. DESCRIPTION M 8 T BANK Checking Account No. 54153530 Value based on statement attached as Earhlb/t °B° STATE EMPLOYEES RETIREMENT SYSTEM Pro-rated Retirement Benef)t Payment 2002 FORD ESCORT Value based on average Kelley Blue Book value MISCELLANEOUS HOUSEHOLD CONTENTS ALLSTATE INSURANCE Auto Insurance Refund COMCAST Refund PA STATE EMPLOYEES' RETIREMENT SYSTEM Final Settlement of Retirement Account for Frank H. Wentz PENNSYLVANIA EMPLOYEES' BENEFIT TRUST FUND Account Balance TAX PRO-RAT/ON FROM SALE OF REAL ESTATE See HUD-1 attached at Exhlblt "B° . n .VALUE AT DATE OF DEATH 17,422.03 320.00 3,100.00 1,000.00 129.70 73.24 24.97 508.88 315.91 i TOTAL (Also enter on line 5, Recapitulation) ; ~z_Aea_~~ (If more space is needed, insert additional sheets of the same size) REV-1509 EX + (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF AUDREI~ M. WENTZ SCHEDULE F JOINTLY-OWNED PROPERTY FILE NUMBER 00855 A. B C NONE JOINTLY-OWNED PROPERTY: Han asset was made joint within one year of the decedent's date of death, it must be reported on Schedule G. SURVNING JOINT TENANT(S) NAME ADDRESS RELATIONSHIP TO DECEDENT ITEM NUMBER LETTER FOR JOINT TENANT DATE MADE JOINT DESCRIPTION OF PROPERTY INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR IDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY-HELD REAL ESTATE. DATE OF DEATH VALUE OF ASSET 96 OF DECD'S INTEREST DATE OF DEATH VALUE OF DECEDENTS INTEREST 1. A. ~ NONE ~ a r 0.00 0.00 s . TOTAL (Also enter on line 6, Recapitulation) I S 0.00 (If more space is needed, insert additional sheets of the same size) REV-1510 EX + (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE G INTER-VIVOS TRANSFERS ~ MISC. NON-PROBATE PROPERTY ESTATE OF FILE NUMBER AUDREI/ M, WENTZ 00855 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 NUMBER DESCRIPTION OF PROPERTY INCLUDE THE NAME of THE TRANSFEREE. THEIR RELATIONSHIP TO DECEDENT AND THE DATE OF TRANSFER ATTACHACAPYOFTHEDEEDFORREALESTATE. DATE OF DEATH VALUE OF ASSET % OF DECD'S INTEREST EXCLUSION (IFAPFLICASLE) TAXABLE VALUE 1. Y NONE L ~ • 0.00 tl ~ 0.00 tl TOTAL (Also enter on line 7 Recapitulation) I s 0,00 (If more space is needed, insert additional sheets of the same size) REV-1511 EX + (12-99) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN ESTATE OF AUDREI/ M. WENTlr FILE NUMBER 00855 Debts of decedent must be reported on Schedule I. ITEM NUMBER DESCRIPTION A. FUNERAL EXPENSES: 1. RICHARDSON FUNERAL HOME, INC. -Funeral and Burls/ Services AMOUNT B. ~ ADMINISTRATIVE COSTS: 1, Personal Representative's Commissions Name of Personal Representative (s) Soaal Security Number(s~EIN Number of Personal Repn,sentative(s) Street Address City State Zip Year(s) Commission Paid: 2, Attorney Fees IRW/N LAW OFFICE 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Claimant . Street Address 4. 5. 6. 7. 8 9. 10. 11. City State Zip Relationship of Claimant to Decedent Probate Fees CUMBERLAND COUNTY REGISTER OF WILLS Accountant's Fees Tax Return Preparers Fees CUMBERAAND COUNTY REGISTER OF WILLS -Filing Inventory and Appralsement IRW/N LAW OFFICE -Real Estate Settlement SELLER ASSISTANCE ON SALE OF REAL ESTATE REAL ESTATE TRANSFER TAXES MICHAEL LANGAN - 2010 Real Estate Taxes 3,640.00 7,300.00 314.00 30.00 300.00. 6,000.00 1,060.00 239.18 8 .d TOTAL (Also enter on line 9, Recapitulation) S 18 883.18 (If more space is needed, insert additional sheets of ~e same size) SCHEDULE H FUNERAL EXPENSES ~ ADMINISTRATIVE COSTS REV-1512 EX + (12-03) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF AUDREY M. WENTZ scHFO v~E ~ DEBTS OF~ DECEDENT, MORTGAGE LIABILITIES, & LIENS FILE NUMBER 00855 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: VERIZON 40.30 Te/ephQn® BfU TOTAL (Also enter on line 10, Recapitulation) S (If more space is needed, insert additional sheets of the same size) 40.30 1 REV-1513 EX + (9-00) SCHEDULE J COMMONWEALTH OF PENNSYLVANIA BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER AUDREI~ M, WENTZ 00855 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 ouUig ~ sp)olusal distributions, and transfers under Sec 9116 a 1 2 1 . . RONA D . L . f1NENTZ L/neal 340 Fox Hollow Road 25% RESIDUE Shermansda/e, PA 17,090 , 2. ROGER A. WENTl L/neal 219 South 2nd Street 25% RESIDUE Hghsp/re, PA 17034 3. HILDA G. PRESTON L/neal 1925 Wentz Road 25% RESIDUE Eno/a, PA 17025 4. C1~NTH/A D, ZEAR/NG L/neal 267 Redwood Lane 25% RESIDUE Carlisle, PA 1701 ~ ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, AS APPROPRIATE, ON REV-1500 CQVER SHEET II, NON-TAXABLE DISTRIBUTIONS: • A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEJNG MADE 1. NONE 0.00 . B.. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS 1. NONE 8 0,00 TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET S D.DO (It more space is needed, insert additional sheets Of the same size) Ensminger EMerprises,inc. Uniform Residential Appraisal Report ~# alu9e93o., Itte ose of this summa a sisal r is to rovide the finder/cttent with an accurate, and ad uat s rted, o INon of the market vabe. of the sub ro Pro ert Address 197s Wentz Rd Ci Enola State PA D Code 17025-1449 Borrower Zsari Ge 8 Ci Owner of Public Record Estate of Frank Wentz COU Cumberland L al DesCri Uon Deed Book / Pa : 0020Y-01140 Assessor's Parod # 10-14-0838-019 Tax Year 2009-2010 R.E. Taxes a 1 111.35 Nd hborttood Name Ha n Townsni Ma Rderence 25420 Census Tract 42041-0113.01 Occu ant Owner Tenant Vacant S eclal Assessments E o.oo PUD HOA S ear r month Pro Ri Ms aised Fee Sf le Leasehold Other describe Assi nment T Purchase Transaction Refinance Transaction Other describe Estate Pu Dees Lender/Gent wA Address Is the sub' t c offered for sale or has tt been offered for sale in the twdve months rior to ttte effective date of tide a ralsal? Yes No R ort data sources used offeri e s and dates . cPMt.s I ^ did ^ did not artaryze the contract for sale for the subject purchase transaction. Explain the results of the anaysis of the contract for sale or why the analysis was not orated. Contract Price S wA Date of CortVact Is the seller the owner of ubttc record? Yes No Data Source s Is there any financial assistance (ban charges, sale concessions, gttt or dowrtpayment assistance, etc.) to be paid by any parry on behalf of the borrower? ^ Yes ^ No • M Yes re the total dolhar amourd and describe the items to be id. Note: Race and the facial com itton of the nei hbofiood are not a Iasi factofa. Location • Urban Suburban Rural Pro VaNles ktcreasf Stable Decttnl PRICE AGE One-UNt so % .Built-U Over 75% 25-75% lktder 25% Demand/Su Sftorta b Balance Over Su Z 000 2-4 Unit o % ;Growth Ra Id Stable Slow Marled Time Under 3 mths 3-6 mths Over 6 mths too Low o Multi-Fa ~ o % Nd hborhood BOUlldarlCS To the North .the Pe Coun line To the West :the Silver S in T . Ilne 600 Hi h 100 COmrTterCl81 0 % To the South : 641 and to the East :the East Pannsboro T .line: 150 Pred. 50 Other 20 % Nd hboritood Descri tion Ths su ect is located in Ham n Townshl .Central Penns vania has a la a divereifled em I nt basis which offers stabilit and confidence in the local real estate market. Em to ent nines include the State and Federal emments manufacturl industrial medical financial and small e 1 re. Job stabili is as the. un-em I ent fl res for the area continue to be under 7.6Y.. Market Conditions bdin 5U for the abOVe COnCM1SI0n9 Markets conditions ere as of the date of this a seal. Su I and demand are in balance. A reasonable marketin time is 90 da . A reasonable ex uro time is 90 da .Conventional financin is dominant in the local market with some hel from the seller towards the b re sloes costs. Dimensions 80 x 201 x 100 x 200 Area .41 Acres Sha a Irre ular View Residential $ eCIfIC ZOni Classification R-1 Residential Zordrt DesCri tion 81 le Tamil . Zorn C ante L al L aI Noncordormi Grandfalhered Use No Zod tt al describe Is the hest and best use of sub o as I ed or as sed r ns and s ecifications the er>< use? Yes No ff No, describe Utilities Public Other describe) Public Other (describe) Ott-site Ira rovemertta - Public Private Electric 60 AMP Water Wall Conunon2Area Street Gravel Gas Sanifa Sewer se is Comm.2Aroa None FEMA S cial Food Hazard Area. Yes No FEMA Flood Zone x FEMA Ma # 42041C0115E FEMA Ma Date 3H6/2o09 Are the utilities and off-site im s cal for the market area? Yes No B No, describe Are there adverse stte conditions or external factors easements encroachments ernironmental conditions land uses dc. ? Yes No B Yes describe K ,:. Units One One with Acces Unit Concrete Slab Crawl S ce # of Stories 1.5 Wq Basement Partial Basement T e Det. Att. S-DetJEnd Unit Baserrtertt Area 1 os6 s .ff. Exists Pro sed Under Const. Basemerttt Knish o % DeSi n 1.5 St Outride E /Exit Su Year Built 1955 Evidence of ltfeestation Effective A e rs 25 Oa ness Settiernertt Attic None Heats FWA HWBB Radiant Oro Stalr Stairs Other Fud oil Fbor Scuttle Coott Central Air Conditiod Rnisfted Heated Ntdividual Other Foundatbn Watts concrea Block/ A Fbors c a H.woodl B A Exterior Watts Brick I A Walls Plaster I A Roof Surface As Shi lee I A Trim/RNSh W StainedJA Gutters ~ outs Aluminum / A Bath Fbor Ca A WlndoW T l>oubleHu / A Bath WainSCOt Ceramic I Av Storm Sash/Insulated Yes / No / Av Car Stora None Screens Yea / A Drivewa # of Cars 2 Amenities Woodstove s # 1 Drivewa Surface Gravel Fl laces # Fence Gars e # of Cars Patio/Deck Porch Enclosed Ca # of Cars Pool Olen Att. Det. Built-in ttances Refri ator Ra eJOtren IXshwasher Die Deal Mbrowave Washer r Other describe Flnistted area above rode contains: 6 Rooms 3 Bedrooms 1.s Bath s - -1124 ware Feet of Gross Livi Area Above Grade • Additlonal features s eaal efficient items etc.. Standard Describe the condition of the roe inCludin needed re airs deterioration renovations remoddin dc.. The su ect is in below avers a condition as It has not had normal routine maintenance over the ors. Ths electric service is old and in-ade ate. The interior r wires clean irrt ea t and hardwood floors refinished. The chimne /or the woodstow re res re air or removal. The trash in tha back and needs to bs removed. Ths roof a ors to be in avers a condition with no evidence of leaks on the interior. The furnace is 5 ors old and a ors to be in Dori condition. The above mentioned re airs etc aro estimated to be 10000. Are there a sisal deficiencies a adverse conditions that affecttthe ttvabi ,soundness, or structural int of the ro ? Yes No ff Yes, describe Does tite a eneral cor>form to the nd hborhood rtctlonal will , s e condition use construction etc. ? Yes No H No describe C--..1.~1.. ~~__ r___ -. ~~~~~ ,•.a., ~ ~~~~~ ~ ~ ~~~a~~~~ cuua Page t of 6 Fannie Mae Foml 1004 March 2005 Form 1004 - `WInTOTAI`. appraisal software by a la mode, Inc. -1-800-ALAMODE I Inifnrm Racirianti~i ennr~i~~~ Qnr~nrF - - - - - -- -- - There are 3 co table 0 eS c offered fa sale in the sub' nd hbOfi There are 3 co arable sales in the sub ect nei hborhood wilNn the ast twelve mon FEATURE SUBJECT COMPARABLE SALE # 1 Address 1975 Wontz Rd 343 S SPORTING HILL RD Enola PA 17025-1449. Mechanicsb Pro>a to Sirb' t 3.90 miles S Sale Price s WA ~ 118000 Sale Prlce/Gross Liv. Area S S .ft. $ 99.49 S .n. O - - -- ---• - ood ra I in ce from rs ths ra i in sale a from S COMPARABLE SALE. # 2 1885 Lambs Gap Road Mechanicsbu 1.79 miles W rs 11 S 000 S 98.63 S .R. me ~ muyuasV.1 ~ $ to S COMPARABLE SALE # 3 59 S 35TH ST Cam Hill 17011 3.58 miles SE s 112 000 ~ 106.06 S :ft. '~` ~.'? ats SOaC6 S CPMLS Verification SOUfCe S STEB Re VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - S Ad ustm~rt Sales Or Rnancing Corn I No Help Concessions ~ S3 p~ Date of Sale/'Time 3/912009 Location SuburbaNA Sub /Above Av -2 000 Leaseh0ld/Fee SI a Fee Sim le Fee Slm le $Ite .41 Acros .19 Acres +440 Vew Residential Residential DeSI n S k 1.S Sto 1.S St Quail of ConStrllcti0n Avers s Averse Actual A 54 54 Condition Below Avero a Below Avsra a Above Grade Tats Bdrms. Baths Total Bdrms. Batlrs CPMLS STEB Re rt DESCRIPTION + • 3 Ad' stment FHA/Seller help -3,200 8 OOM 9/18/2009 SuburbaNAv Fes Sim le 1.47 Acres -2120 Residential 1 Sto Avers s ss Below Avsro a Total Bdrms. 68hs CPMLS STEB Re DESCRIPTION + - S Ad' stmalt Cash 6 DOM 7/2112009 Sub /Above Av •2 000 Fee Sim le .17 Acros +480 Residential 1 Sto ' Avers e s9 Below Avero e Trial Bdrms. Batlu Room Count 6 G 3 1.5 7 4 1 +g00 S 3 2 -800 ti 3 1 +800 ross Livi Area 1 124 S .1t. 1 186 S .R. Basement ~ RniShed Basement Basement Rooms Below Grade Unflnishsd Unfinished -420 1 168 S .1t. Partial Basemnt Unfinished •420 +2,000 1 056 S .ft. None +88p +4,000 Functlonal l>b0 Avers a Averse . Fleatl CO Oil FWA / CA Gas FWA I CA .• Ener Etflcierlt Items Standard Standard ' Gera e/C None None ' Porch/Patio/Deck Enclosed Porch Patio • Other None None 1 000 Averse OII FWA I CA Standard 1 Att. Gars Patio None 1 000 +1 000 Avers e Gas FWA / CA Standard None Patio Nona 1 000 • Net Ad' stment otal + a -too Adjusted Sale Price Net Adj. 0.2 % of C ~~ Gross Ad'. 4:0 % S 11 S 82o I did did not research the sale or transfer histo of its sub ro arxl c abl + - S -4 540 + - S a s6o Net Adj. 3.9 % Net Adj. 4.4 % Gross Ad . 9.2 % t 110 46o Gross Ad'. 8.0 % S 116960 e sales. ff not, in M research did did not reveal rla sales or transfers of the sub' for the three ears riot to the effective date o(tHs a tales/. Data Sources STEB Re its research did did rat reveal a riot sales a transfers of the co table sales fa the ear to the date of sale of the co table sale. Data Sources STEB Re its R ort the results of the research and ana is of the r sale a transfer histo of the sub' ahd co arable sales rt additional or sales on e 3 . ITEM SUBJECT COMPARABLE SALE #1 .COMPARABLE SALE #2 COMPARABLE SALE #3 Date of Pria SaIrJTrarufer wA 6/2o/zooa NIA wA Price of Prior SaIQ/Transfer Wit 1,00 N/q fyA Data Sources CPMLS 3 STEBS CPMLS di STEBS CPMLS rG STEBS CPMLS d~ STEBS EflecliVe Date Of Data Sources 9/30/2009 9/30/2009 9I30I2009 9/30/2009 Ana sis of ria sale or transfer Hst of tla subject and Co cable sales None to re Summa of Sales Com son A roach .The com ambles era all in Ham n Townshi and the Cumberland Valle school district as the su ect and would bee uail considered s ve ro. Em fs is laced on com table 31 as it has the lesser amount of net and osa a ustments. The com tables were selected after a thoro h search of the su ect's market aroa and aro considered to be the most ximate most recent and best com tables available. These com tables establish the ran of value for the sub eel Indicated Value b Sales Co rison roach S 11 S 900 Indicated Value .Sales Com orison oath S 115 900 Cost A roach (H Bevel ) _ 11 B 369 Income roach (if develo ) S The diroct sales com rison method is considered to be the most accurate method of aehievin fair market value. The costa ach su the • re orted value. Ths income a oath was not utilized and is not deemed to ps relevant to this a teal because in this market area few si le homes are rented and them is insufficient data available to dsvel an estimated msrkN not or a GRM . Ttws appraisal is made ®•as is•, ^ subject b completion per plans and spedficatlons on the basis of a hypotlaUcai conditlon that the improvertlents have been canpNted, ^ subject to ttte foNovring repairs a alteraions on the basis of a hypoihetical conditlon brat the repairs a alterations have been completed, or ^ subject to the • totiowi re aired ins lion based on the extraordina assn lion that the conditon or defici does rat wire arteration a air.. This a roles/ Is com letea in -As IS" condition. Based on a complete visual insappeeccttion of the interior and exterior areas of the sub condition and a raiser's certNication ~ rty~ ~n ~~~ ~ workr ~atenrcrlt .assumptions and limfting ~ PP , my (our) opinion of the merlaet value, as defined, of lire real that is ~ subject of this report la S 11s,soo as of 912snoo9 which fs the date of Ina ion and the ei<ective date of this a sal. .__ . _..... _ ...,..,,.. ",,,,, rage z or o .Fannie Mae Form 1004 March 2005 form 1004 - •WinTOTAI• appraisal software by a la mode, inc. -1-800-ALAMODE unitorm rtesiaentiai A sisal Re ort F~e~ Mo90939., The Intended User of this a feel ro is the. Client. The krtended Use is to evaluate tM that is the s act of this a sisal is for estate r es s act to the stated Sco ~ Work a of the a feel ro i ro uiroments of this a feel ro f and definition of market value. The a Isar has red this a Isal to full com Ilance with the Home Valwtion Code of Conduct and has not rformed artici tad in or been associated with an acvtivi in violation of the coda. ~? rrowae ate Imorrnatlon for trie ienoer/rent to ate the bebw cost ures and cakailatlons. - Su rt for the o bn of site value s of c ble land sales or other methods for estimattn Sft8 Value The site valor has been determined extraction from similar sales andlor com table land sales whero available. ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OP~NON OF SITE VALUE .....:............................ - .. .................................. -s 3s 000 Source of cost data See Comments below. DWELLMG 1124 S .Ft. ~ 85.00 ..._..:..... =S 95 Soo Dual rata from cost service Av Effectivve date of cost data 2008 easement 1 o5e S .Ft. S 18.00 ..........:.: =S 19 ooa - Comments en Cost roach rose NWn area caiculatbns iatton etc. trances etc ~ ............. =S 3 000 The Marshall and Swift Vaiwtion Service and local contractoro wsro Gars e/Ca S .Ft. S =a utilized for the cwt fi ures in the com letion of the costa oech. The Total Estimate of Cost-New =S 117548 h ical de reciation Is estimated wi the a /life thod nd L me a market ass siCal anal is, recietion 39179 Wnctlonal External =S 39179 fated COSt Of I rovementS .-..-......._ ....:..................•-.----....--.- =s 78 369 'As~is' Value of Site I rovemarits ................................._-...-.-......---- =3 5 000 Estimated Remafni Ecorarnic Life UD and VA on 50 Years INDICATED VALUE BY COST APPROACH ..............:....................•-••-•..._ ns 118 369 Estimated Mo Market Rent S wn X Gross Rent Mull ier wA = $ Indicated Vakie b Income oaeh Summa of Income roach ncludin su for market rent and GRM Is the dev /builds in control of the Homeowners' Association OA ? Yes No Unit e s Detached Attached Provide tfie foNo infomtatlon for PUDs ONLY if the deveb dbuikler is in control of the HOA and the sub' ro is an attached dweNi unit. L al Name of Pro act Total number of ases Total rwrtiber of unks Total rrimber of units sold Total number of units rented Total number of units for sale Data source s Was the ro' ct created the conversion of eal5tl builds s Into a PUD? Yes No ff Yes date of cornersion. : Does the o'ect cor9ain multi-dw units? Yes No Data Source Are the units, common elements, and recreatlon facilities co lets? Yes No h No describe ttie status of c etion. Are the common elerrients leased to or b the Homeowners' Associations Yes, No B Yes describe the rental terms and o bons. Describe conurari elements ark recreatiorei faciNiles. L-..JJS~ ~~~~ P_~ ~ ~~~u~~ ~~~a~ ~~~~~~ .u marcn zuua Page 3 of 6 Fannie Mae Form 1004 March 2005 Form 1004 -'WinTOTAL' appraisal software by a la mode, lnc. -1-tt00•ALAMODE Uniform Residential Appraisal Report F~IAf Mo9os30.! This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD). This report .form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Mod'rfications or deletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal .organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal. is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) pertorm a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighbofiood, (3) inspect each. of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources, and (5) report hls or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage .finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client 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 or she considers his or her 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 ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting 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, except for information that he or she became aware of during the research involved. in performing this .appraisal. The appraiser assumes that the title is good and marketable and Will not render any opinions about the title. 2. The appraiser has ,provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist .the reader 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 this appraisal report whether any portion of 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, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, 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 research involved in pertorming the appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any .hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. 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, this appraisal report must not be considered as an environmental assessment of the property. 6. 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 the completion, repairs, or alterations of the subject property will be pertomted in a professional manner. ~ , nGUUiC rvia~ rurrn iu man;n zuu5 Page 4 of 6 Fannie Mae Form 1004 Man:h 2005 Form 1004 - "WInTOTAL" appraisal software by a la mode, Inc. -1-800-AWuIODE Uniform Residential Appraisal Report FaeN M090930.1 • APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I performed this appraisal in accordance with the requirements of 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 at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market- data to develop a reliable sales comparison approach for this appraisal assignment. I further cert'rfy that. I considered the cost and income. approaches to value but did not develop them, unless otherwise indicated in this .report. 5. I .researched, vedfied, analyzed, and reported on any current .agreement #or sate for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and. the .prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales. for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. Ihave not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has .been built or will be built on the land. 9. Ihave reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. t verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and experience in appraising this type of property in this market area. 12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records. and other such data sources for the area in which the property is located. 13. 1 obtained the information, estimates, and opinions. furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true .and correct. 14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and 'the proximity of the subject property to adverse influences, in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research. involved in performing this appraisal. I have .considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. I have not knowingly withheld any signirficant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. Ihave no present or prospective interest in the property that is the subject of 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 opinion of market value in this appraisal .report on the .race, color, religion, sex, age, marital status, 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 or on any other basis prohibited by law. 18. My employment and/or compensation for performing this .appraisal or any future or anticipated appraisals was. not conditioned on any agreement or understanding, written or otherwise, that I would report (or preserrt analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the pertormance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific. tasks performed in this appraisal report. I certify that any individual so named is qualified to pertorm the tasks. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Freddie Mac Form 70 March 2005 Page 5 of 6 Fannie Mae Form 1004 March 2005 form 1004 -'111flnTOTAI• appraisal. software by a b mode, inc.- t-800-ALAMODE unirorm Kesidential Appraisal Report ~x M090930.1 21. The lender/client may disclose or distribute this appraisal report to: the borrower, another lender'at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any. department, agency, or instrumentality of -the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the .public through advertising, public relations, news, sales, or other media). 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government sponsored enterprises, and other secondary .market participants. may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile- transmission of this appraisal report containing a-copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as 'if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal. report may .result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001,. et seq., or similar state. laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal .report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, .the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. - 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the. supervisory appraiser (or the appraisal firm), is qualified to pertorm this appraisal, -and is acceptable to pertorm this appraisal under the applicable state law. 4. This appraisal report complies 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 at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation. of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal .report were delivered containing my original hand written signature.. APPRAISER P d a1 R praiser. SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature ~m Name Jo Ensmi r Name Company erne Ensmin Enta rises inc. Company Name Company Address 415 Bemheisel Bra Rd Carlisle. PA 17013 Company Address Telephone Number 7,7.69,ss9a Email Address ensmi rizon.net Date of Signature and Report !O O Effective Date of Appraisal 9~2si2o State Certification # ~oo,ssat. or State License # or Other (describe) State # State PA Expiration Date of Certification or License w3ono11 ADDRESS OF PROPERTY APPRAISED 197s Wentz Rd Enola, PA 1702s-1449 APPRAISED VALUE OF SUBJECT PROPERTY $ 115.900 LENDER/CLIENT Name Company Name wA Company Address Email Address ^ Did not inspect subject property ^ Did inspect exterior of subject property from street .Date of Inspection. ^ Did inspect interior and exterior of subject property Date of Inspection COMPARABLE SALES ^ Did not inspect exterior of comparable sales from street ^ Did inspect exterior of comparable sales from street Date of Inspection __ r•reaoie nnac Form 70 March 2005 Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License SUBJECT PROPERTY Page6of6 Fannie Mae Fomt 1004 March 2005 Form 1004 -'WinTOTAL" appraisal software by a la mode, inc. -1-800•ALAMODE _ .~ .... -...~.M.. _ w .._ w.., ,.....,..m.....-.,...~~..-,...~...,. ,,.M,.......~..,w.._,~. :. ..,.... C:a,uumvn of P~~tuv~nix ~~ ~~ ~~ ~ ~ ~ ~ ~~P~ to Bureau o€ ~' ~~~ ;: t#~ns~ ,A~~irs ~ 1~ .:~~arru~ ~ . -?fi4~1 3 ~` <i '~',. ~ f ~ ~ ~r~116~ +7 H4iil.~ n ~s,,j~~`,~y~~tt ` ! ` . r ~ P ... Y .f ",fy. ry~ a» ee~+ ~" EL/ l .~,. ,x~t~iiv ~'N EAGER ~rrtlCicate M 5 Baiset 8rtatge Rd 1!~~na~er Car~ste F'A t~16:-905 RLOgi~SAi.: '~~t~n ~#~# ~• c:~,r~c, at° Frc~rar~wc:a~ ~ c~~ew~ :~C~rs Form SCA - "NIInTOTAI• appraisal software by a la erode, inc. -1-800-ALAMODE Building Sketch BoffoWef/CNetd Zearin Geor a d~ Ci Pro Address 1s7s werrtz Rd Cit Enola Cou Cumberland State PA Zi Code 17025-1449 Lender wA Eft 13ft `° Pd r ~ 13ft a Second Floor o Bedroom Bedroom ~ [356 Sq ft] 32ft 32ft N 12ft Bedroom Bath Kitchen First Floor Closed Porc [768 Sq ft] [288 Sq ft] Dining Living ~ I form SKT.BIdSkI -'1MinTOTAI' appraisal software by a la mode, inc. -1-800~ALAMODE Subject Photo Page BOffOWef Client Zeari ~ Ci Address 1975 Wentz ttd C t.rwla Cou Cumberland Slate PA Code 17025-1449 Leildef WA Subject Front 1975 Werkz Rd Sales Pfice WA GfoSS LiYI(ly Area 1,124 Total Rooms s Totaf Bedraorrw 3 Thal Batfrcooms 1.5 locatlon SuburbsnlAvy IfleW ftesidsrkial $it8 .41 Acres C118Ultl Average Age 54 Subjsct Rear Subject Strsst Form PIC3x5.SR - "WInTOTAI• agprafsal software by a la mode, inc. -1-800-ALAA~OOE Subject Photo Page Borrower Gent Z.aN ai ci Address ~sts werMz Rd C tenols C cmnb.riand State Pw Code ~TO2s-~s4s Lender ww Subject Front ~~s w.nts ita Sales Price ww Gross Living Area ~,~u Total Rooms 6 Total Bedrooms s Total Bathrooms 1.s LOCS1i0n Subu'bardAv~ IfleMl Resid.Mial SItIe .41 Acros Qllauty Av.roy. Subject Chimney form PIC3x5.SR - "WinTOTAI• appraisal sot'tware by a la mode, inc. -1-800-ALAA~ODE Subject Photo Paae Bonoxrer CNerit zari a Ci Address 1975 ws+rtz Rd ~ Enola CO Cumberland .Slue PA Code 17Q23-1449 Lender wA Subj®ct Back Yard 19TS wanlz Rd Sees Rice wA GfOSS UY(nQ Area 1124 Total ROOmS 8 Total Bedrooms S Total BalMooins 1.S LACa110n SuburbmfAv~ View Residantlal Site .41 Aces lNia~ly Average Aye s4 w Subj®ct Back Yard Forth PIC~cS.SR - "VVNiTOTAL• appraisal software by a la node, inc -1-800-ALAMOOE Subject Interior Photo Page Borrower CYerd z~ act Address ~sts W.ntz rea C Enola C CumbMand State PA Cede 17025-1449 Lerrda wA Subject Interior DR 1975 Wonfz ftd Sates Pike wA Gross LIYItIg Area 1,124 Toil Rooms 6 Total Bedroortr, 3 Tote! Bathrooms ~.s leCatiOn SuburbanlAvp VIEW RssitNntial Si11B .41 Acros ~alilY Avanye Age 54 Subject Interior BR Subject Interior Pdr Form P~3x5.S1- "NAnTOTAL' appraisal sotlware by a Na mode, Inc. -1-800-ALAMOt)E Comparable Photo Page Borrower Gerd Zaarl b Ci Address 1875 Waniz Rd C Eaala Cumberland State PA Cede 17025.1448 Lender wA Comparable 1 ~ s sPORnlss wu RC Prox 1o Submit 3.so miles 8 She Price 118,000 Gross UNnp Area 1,186 Tots Rooms 7 Toth Bedrooms 4 Total Balhromns. 1. LOCa1lOn Bub /Above Avg. VfeMl Residential $Ite .18 Acx+es O~igr Avsrage Age " 54 Comparable 2 4885 Lamba ~ Road Prox b SubJect 1.7s rhiNs w Sate Price 11so0o Gross tiNlq Area 1,188 Toth Rooms S Total Bedrooms 3 Toss 8atl~ro0rrs 2 1:ocaAoti subufiar~Avg VIeW Residentiar SftB 1.47 Aons t]rRgly Avsnge Ape . Comparable S ~ s ssTw sT Prox. b SubJect 3.58 mUes 8E Sale P(iCe 112,000 GrOBS LiYhtp Area 1.056 Tofaf Rooms a TOad Bedrooms 3 - Total Batlrcooms 1 LOCaUon Sub /Above Avg YIeW Residsntisl $Ite .47 Aces Ottalitl- Average Age 58 Form PIC3ac5.CR - •WinTOTAI• aPP~ software by a Ia mode, hrc. -1-800-ALAMODE f. e v ~ ~ Location Map Borrower IiBfd 2.eari G b Ci AddieSS 1975 Wertz Rd C Ertola C Ctxnberlattd Slate PA Code 17025-1449 lender N-A a ~ :~ ~ ~ ~liogrslown .~ ` ~ 4ya ~ '-~ ~ t S ~ x . c., _>. t 11:~_~ ~~ 1 $ ~ ~I9B~t0 a EnFti _ - r -" ~ '= '"y .,. X841; '.~ ,. -. _ - o - ~ ~ a Shlrama n Etaetiys tAp~ •.,o_., ~' Cumberlnnd Horrelto ` Green ~ Ftsmn _ _ ~ ~ Merhanireburgd OrohardCreai ,L,aRoes` moyrnM~e+or .... ~ AltPwt '9r,~ ~r yb (~ o rindle S s ~y ;~'" .,`,• i~ `~ 15 . Chevy Fti9 r pR~, ~p ~' gq~ __ 'rW11 tnouet R~sno ~Rdgllt*~ ~~s11~I~F~~o H~ o~.y~MMMR'~~ 114! 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AMOUNT N0. AMOUNT .. 18,409.30 1 1,001.00 5 18,165.75 4 243.55 0.72 1,001.72' ACCnl1NT OCT T V T TY PQSTxN6 > DATE ...: : : :TRANSACTION%DESCRZPtION > ::: .. >: AEPQS~:,S~NTEREST >E `O'CHER <AbDI~1ONS~ ;>«I~HE~KS <l~: QT.HRR `' SUBTRAC'~IONS : DAILY.....:; <,<$A1ANCE 08-12-09 BEGINNING BALANCE 318,409.30 08-13-09 PPL EU ELEC SVC 56.36 18,352.94 08-17-09 CHECK NUMBER 2254 326.29 18,026.65 08-21-09 VERIZpN PaymentREC 38.12 17,988.53 08-24-_09 PATRIOT NEWS CHECK PYMT 000000000002256 ,84.50 17,904.03 OS-27-09 CHECK NUMBER 2257 482.00 17,422.03 08-31-09 CHECK NUMBER 2255 1,440.00 08-31-09 CHECK NUMBER 258 28.57 15,.953.46 09-03-09 US TREASURY 303 SOC SEC 1,001.00 16,954.46 09-OS-09 COMCAST CENTRAL CENTRAL PA 64.57 16,889.89 09-11-09 INTEREST PAYMENT 0.72 09-11-09 CHECK NUMBER 2259 15,888.89 1,001.72 ENDING BALANCE 51,001.72 . ' .. CHECKS. PIkID ,5t1MMARY`:' ....:<. 2254 08-17-09 326.29 _:.2255 08-31-09 1,440.00 2257* 08-27-09 482.00 2258 08-31-09 28.57 2259 09-11-09 15,888.89 ANNUAL PERCENTAGE YIELD EARNED = 0.05 YOU COULD WIN COOL PRIZES JUST FOR USING YOUR M&T CHECK CARD! THE MORE YOU USE IT, THE MORE CHANCES YOU HAVE TO MIN. JUST PUSH "CREDIT" AT y - STORES OR SHOP ONLINE. FANTASTIC, HIbH? THE M8T FAN-TASTIC PLASTIC SNEEPSTAKES VISIT MWW.MTB.COM/FANTASTICPLASTIC TO LEARN MORE AND FOR OFFICIAL RULES. ~~; s . ,,~~., .~~ M .~ y ~,~,. High Street Carlisle 1-800-724-2440 09/08/2009 09/03/2009 08/31 /2009 .08/31 /2009 08/27/2009 08/24/2009 08/21 /2009 08/17/2009 08/13/2009 08/11 /2009 08/07/2009 08/06/2009 08/05/2009 08/03/2009 08/03/2009 07/21 /2009 07/16/2009 07/15/2009 07/14/2009 07/14/2009 COMCAST CENTRAL CENTRAL PA US TREASURY 303 SOC SEC CHECK NUMBER 2258 CHECK NUMBER 2255 CHECK NUMBER 2257 PATRIOT NEWS CHECK PYMT 000000000002256 VERIZON PaymentREC CHECK NUMBER 2254 PPL EU ELEC SVC INTEREST PAYMENT COMCAST CENTRAL CENTRAL PA Lifeline Systems DIRECT PAY THE SENTINEL RENEWAL ATM ENV-DEP HAMDEN US TREASURY 3U3 SOC SEC VERIZON PaymentREC CHECK NUMBER 2253 CHECK NUMBER 2252 PPL EU ELEC SVC Allstate Ins Co CHECKPAYMT 000000000002251 $64.57 $28.57 $1,440.00 $482.00 $84.50 $38.12 $326.29 $56.36 $64.57 $40.87 $12.92 $37.82 $104.33 $790.25 $60.62 $166.79 Account History ****3530 M & T Select With Interest $1,001.00 $.78 $383.30 $1,001.00 $16,889.89 $16,954.46 $15,953.46 $15,982.03 $17,422.03 $17,904.03 $17,988.53 $18,026.65 $18,352.94 $18,409.30 $18,408.52 $18,473.09 $18,513.96 $18,526.88 $18,143.58 $17,142.58 $17,180.40 $17,284.73 $18,074.98 $18,135.60 I This is not an official statement 09/11 /2009 11:53 AM 1 ~N J~~...c. 21,0 .oo ('~~. o~Cco.oo