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08-10-10 (3)
i ^ ^^i i ^^ ~: REV-1500 Ex 101-1°' Pennsylvania PA Departmentof Revenue "`"``"""""""-'"` Bureau of Individual Taxes INHERITANCE TAX RETURN PO BOX 280601 Harrisburg, PA 17128-0601 RESIDENT DECEDENT MMDDYYYY Date of Birth MMDDYYYY 02 24 1927 Suffix Decedent's Frst Name MI Dorothy P ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death 209 14 7273 01 22 2010 Decedent's Last Name Clymer (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's Frst Name MI OFFICIAL USE ONLY County Code Year File Number 21 10 0113 Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW ~ 1. Original Return O 2. Supplemental Return O 3. Remainder Return (date of death prior to 12-13-82) l~ 4. Limited Estate O 4a. Future Interest Compromise (date of D 5. Federal Estate Tax Return Required death after 12-12-82) ~ 6. Decedent Died Testate O 7. Decedent Maintained a Living Trust ~ 8. Total Number of Safe Deposit Boxes (Attach Copy of Will; (Attach Copy of Trust) D 9. Litigation Proceeds Received D 10. Spousal Poverty Credit (date of death O 11. Election to tax under Sec. 9113(A) between 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 to: Name Daytime Telephone Number Robert R. Church, Esq. 717 255 8059 I-. Frst line of address Keefer Wood Allen & Rahal, LLP Second line of address P.O. Box 11963 City or Post Office Harrisburg REGIST R-. F WILLS USE OidLY ~ - d , ~: ~ _ ~'~ a =~ ___ ~~ :>> ~.. . . -~ - ~ .".} DATE FILED r "~ State ZIP Code ~- PA 17108-1963 4.~ S Correspondent's a-mail address: rChurch@keeferwOOd.COm ___..., --, _-..y Under penalties of perjury, 1 declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete. Declaration of the preparer other than personal representative is based on all information of which preparer has any knowledge. SIGNATUREOF PERSON RESPONSIBLE FOR FILING RETURN DATE _,~ Y) [~~;,.-~--~-~``~ (tom-/~~ Z dlU See schedule ttached SIGNATURE OF PRE AR OT E T RESiENTAT~E DATE ADDRESS p.0. Box 11963 Harrisburg, PA 171 Q3-1963 PLEASE USE ORIGINAL FORM ONLY Side 1 I^ ^^I I ^^ I^^^I I ^^ J Estate of: Dorothy P. Clymer Geoffrey N. Clymer 12 Charisma Drive Camp Hill, PA 17011 Co-Executors Galen R. Clymer 1112 SE Paradise Avenue Crystal River, FL 34229 209-14-7273 J I ^ ^^i ^^^ Rev-1500 EX Decedent's Social Security Number 209 14 7273 Decedent's Name: Dorothy P. Clymer RECAPITULATION 315, 000.00 1. Real estate (schedule A) ......................... • ... • • • • • • • • • . • • 1. ~ ~~ 2. Stocks and Bonds (Schedule B) •••.•..••••••••••••••••••••••••••••• 2. ' ~'~~ 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) • • • • • • 3. 4. Mortgages and Notes Receivable (Schedule D) .. • . • . • • • • • • • • • • • • • • • • • • • 4. ~~~~ 5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E) ..... • . 5. 3,287.69 6. Jointly Owned Property (Schedule D O Separate Billing Requested . • • • • • s. 39,159.23 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property 102 566 07 (Schedule G) ~ Separate Billing Requested .. • .. • 7. . + 460 012'99 8. Total GrossAssetS(totalLineslthrough7)..•..••••••••••••••••••••••• 8. , 10,795.16 9. Funeral Expenses ar~d Administrative Costs (Schedule H) ,y, 5,755.33 10. 9 9 ............. Debts of Decedent, Mort a e Liabilities, and Liens (Schedule I) 10. 16 550.49 11. Total Deductions (total Lines 9 and 10) .............................. ,1. , 443,462.50 12. Net Value of Estate(Line8minusLinell)...•...••..•••••••••••••••••• 12. 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which 0 00 an election to tax has not been made(Schedule ))..••••••••••••••••••••• 13. . 443,462.50 14. Net Value Subject to Tax (Line 12 minus Line 13) ...... • . • • • • • • . • • • • • • • • 14. TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 0 00 0 00 . (a)(1.2) x .o0 15. . 16. Amount of Line 14 taxable 443 462 50 19 955 81 . , at lineal rate X .045 16. . 17. Amount of Line 14 taxable ~ ~~ 0 00 at sibling rate X .12 • 17 . 18. Amount of Line 14 taxable ~ ~~ ~ ~~ ' at collateral rate X .15 18 ' 19,955.81 19. TAX DUE .................................................... ,9. 20. FILL IN THE OVAL IF YOU ARE RE(2UESTING A REFUND OF AN OVERPAYMENT 0 Side 2 ^ ^^I ^^^ I ^ ^^I ^^^ Rev-1500 EX Page 3 Decedent's Complete Address: File Number 21 10 0113 DECEDENTS NAME Dorothy P. Clymer STREET ADDRESS 1117 Count Club Road CITY Cam Hill STATE PA ZI P 17011 Tax Payments and Credits: 1. Tax Due (Page 2 Line 19) 2. Credits/Payments A. Prior Payments B. Discount (1) 19.955.81 18,724.59 985.51 Total Credits (A + B) (2) __ 19,710.10 3. Interest 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. 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (3) (5) 0.00 (4) 245.71 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;.......••••••••••••.••••.•••••••••••. Q b. retain the right to designate who shall use the property transferred or its income : ................ Q c. retainareversionaryinterest;or ....•.....••••••••.•••••.•.•••••.••...•••......•..• Q d. receive the promise for life of either payments, benefits or care? . • . • . • • ... • .... • ... • • .. • ... Q 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? . • . • . • • .... • ... • • • • • • • .. • .............. ~( 3. Did decedent ow?i an "intrust fog" 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? ........ • .......... • ......................... Q( 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 Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is3 percent [72 P.S. Sect. 9116(a)(1.1)(i)]. For dates of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S. Sect. 9116(a)(1.1)(ii)]. The statue does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: • The tax rate imposed on the net value of transfers from a deceased child 21 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 0 percent [72 P.S. Sect. 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 4.5 percent, except as noted in 72 P.S. Sect. 9116(1.2) [72 P.S.: Sect. 9116(a)(1)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent [72 P.S. Sect. 9116(a)(1.3)]. A sibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. REV-1502 EX+(01-10) Pennsylvania ' ' SCHEDULE A f.?EF'AF7 T"fFN€ of RFV#NL'E INHERITANCE TAX RETURN REAL ESTATE RESIDENTDECEDENT ESTATE OF: FILE NUMBER: Dorothy P. Clymer 21 10 0113 All real property owned solely oras a tenant in common must be reported atfair 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 property that is jointly-owned with right of survivorship must be disclosed on Schedule F. Attach a copy of the settlement sheet if the property has been sold. ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Townhouse at 1117 Country Club Road, Camp Hill, East Pennsboro 315,000.00 Township, Cumberland County, PA 17011-1023, as appraised by Robert Ensminger, Pennsylvania Certified Residential Appraisal, title per Deed dated July 28, 2005, recorded in Cumberland County Record Book 270 at pages 856, et seg. TOTAL (Also enter on Line 1, Recapitulation.) 315,000.00 If more space is needed, insert additional sheets of the same size. REV-1508 EX+(8-98) COMMONWEALTH OF PENNSYLVANIA INH ERITANCE TAX RETURN RESIDENTDECEDENT SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY ESTATE OF FILE NUMBER Dorothy P. Clymer 21 10 0113 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with right of survivorship must be disclosed on Schedule F. (If more space is needed, insert additional sheets of the same size) REV-1509 EX+(01-10) ~ p~ennsylvana SCHEDULE F ('E:F'AH'Ty"ENt't7f~ ~iPVkNU4:= INHERITANCETAXRETURN JOINTLY-OWNED PROPERTY RESIDENTDECEDENT ESTATE OF: FILE NUMBER: Dorothy P. Clymer 21 10 0113 If an asset became jointly owned within one year of the decedent's date of death, it must be reported on Schedule G. SURVIVING JOINT TENANT(S) NAME(S) ADDRESS RELATIONSHIP TO DECEDENT A. Geoffrey N. Clymer 12 Charisma Drive Son Camp Hill, PA 17011 B. Galen R. Clymer 1112 SE Paradise Avenue Son Crystal River, FL 34229 c. JOINTLY-OWNED PROPERTY: ITEM NUM. LETTER FOR JOINT TENANT DATE MADE JOINT DESCRIPTIONOFPROPERTY. INCLUDE NAME OFFINANCIAL INSTITUTION AND BANKACCTNUMBERORSIMILARIDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY-HELD REAL ESTATE. DATE OF DEATH VALUE OF ASS ET %OF DECD'S INTEREST DATE OF DEATH VALUE OF DECEDENT'SINTEREST 1 3/25/09 Members 1st Federal Credit Union, Savings $5.00 100.00 5.00 Account #268485-00, joint account with Geoffrey Clymer and Galen Clymer 2 AB 7/25/05 Member's 1st Federal Credit Union, Checking $697.69 33.333 232.56 Account #268485-11, joint account with Geoffrey Clymer and Galen Clymer, accrued interest - $0.24 3 3/25/09 Members 1st Federal Credit Union, Investment $6,142.26 100.00 6,142.26 Savings Account #268485-05, joint account with Geoffrey Clymer and Galen Clymer, Accrued Interest - $1.54 4 A 5/1/06 Members 1st Federal Credit Union, Certificate $20,252.11 50.000 10,126.06 of Deposit #268485-48, Accrued Interest - $24.21, owned jointly with Geoffrey Clymer 5 A 8/15/08 Members 1st Federal Credit Union, Certificate $5,297.88 50.000 2,648.94 of Deposit #268485-48, Accrued Interest - $12.26, jointly owned with Geoffrey Clymer 6 1/16/10 Members 1st Federal Credit Union, Certificate $20,004.41 100.00 20,004.41 of Deposit #268485-55, Accrued Interest - $4.41, jointly owned with Geoffrey Clymer and Galen Clymer TOTAL (Also enter on Line 6, Recapitulation) I 39,159.23 If more space is needed, use additional sheets of paper of the same size. REV-1510 EX+(08-09) ~ Pennsylvania SCHEDULE G rzr~aKr~trv~ cat ~tva:y~r INTER-VIVOS TRANSFERS AND INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY RESIDENTDECEDENT ESTATE OF FILE NUMBER Dorothy P. Clymer 21 10 0113 This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes. ITEM NUM DESCRIPTION OF PROPERTY INCLUDE NAMEOFTRANSFEREE, RELATIONSHIPTO DECEDENT& DATE OFTRANSFER. ATTACH COPYOF DEED FOR REAL ESTATE DATE OF DEATH VALUE OF ASSET %OF DECD'S INTEREST EXCLUSION (IFAPPLICABLE) TAXABLE VALUE 1 Members 1st Federal Credit Union 6,126.23 100 0.00 6,126.23 IRA Certificate #268485-16 Accrued Interest - $9.05 Beneficiaries: Geoffrey Clymer - 50% and Galen Clymer - 50% 2 Members 1st Federal Credit Union 6,324.07 100 0.00 6,324.07 IRA Certificate #268485-17 Accrued Interest - $10.24 Beneficiaries: Geoffrey Clymer - 50% and Galen Clymer - 50% 3 Members 1st Federal Credit Union 25,915.40 100 0.00 25,915.40 IRA Certificate #268485-18 Accrued Interest - $23.69 Beneficiaries: Geoffrey Clymer - 50% and Galen Clymer - 50% 4 Members 1st Federal Credit Union 25,941.45 100 0.00 25,941.45 IRA Certificate #268485-19 Accrued Interest - $27.43 Beneficiaries -Geoffrey Clymer - 50% and Galen Clymer - 50% 5 Members 1st Federal Credit Union 6,092.33 100 0.00 6,092.33 IRA Certificate #268485-20 Accrued Interest - $5.57 Beneficiaries -Geoffrey Clymer - 50% and Galen Clymer - 50% 6 Charles Schwab Individual Retirement Account 32,166.59 100 0.00 32,166.59 #23855358, includes 2744.936 shares of Schwab Invts (SWIIX), Prem Incm Inst, mutual fund - $27,998.35; 4000 shares Wachovia Mtg Fsb Las Vegas Nev (929781 GW6) - $4,082.50; and 85.74 shares of Charles Schwab (cash) - $85.74. The beneficiaries of this IRA are the decedent's sons, Galen R. Clymer and Geoffrey N. Clymer, equally. Total from continuation Schedule(s) 0.00 TOTAL (Also enter on Line 7, Recapitulation) I 102,566.07 If more space is needed, use additional sheets of paper of the same size. Estate of: Dorothy P. Clymer Schedule G -Inter-Vivos Transfers and Misc. Non-Probate Property Item Num Description of Property 7 Dan Clymer birthday gift 8 Gaten Clymer gift Date of Death % of Dec's Exclusion Value of Asset Interest (if applicable) 30.00 30.00 300.00 Page 2 21 100113 Taxable _ Value 0.00 300.00 0.00 TOTAL. (Carry forward to main schedule) ...... 0.00 REV-1511 EX+(10-09) ,~ i~ Pennsylvania SCHEDULE H flEf'AFt"TMtN'( t7 F' Rt`V?~Ni1[ FUNERAL EXPENSES AND INHERITANCETAXRETURN ADMINISTRATIVE COSTS RESIDENTDECEDENT ESTATE OF FILE NUMBER Dorothy P. Clymer 21 10 0113 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: 0.00 Name(s) of Personal Representative(s~alen R. Clymer and Geoffrey N. Clymer Street Address City State Zip Year(s) Commission Paid: N/A 2. Attorney Fees 7, 500.00 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation.) Claimant Street Address City State Zip Relationship of Claimant to Decedent 4. Probate Fees: 448.50 5. Accountant Fees: 6. Tax Return Preparer Fees: See schedule attached 2,846.66 TOTAL (Also enter on Line 9, Recapitulation) I 10,795.16 If more space is needed, use additional sheets of paper of the same size. 1 Estate of: Dorothy P. Clymer Schedule H, Part 6 -Administrative Costs Miscellaneous Expenses Item Number Description 7 Will 8 Aver Home -Coroner 9 Death Certificates 10 Robert Ensminger, real estate appraisal 11 Airline travel for Galen Clymer, Co-Executor 12 Executor's meal expense 13 Executors' mileage (2,416 miles @ $0.50) from Florida, etc. 14 Estimated attorney's disbursements to complete administration 15 Estimated Executors' expenses to complete administration 16 Attorney's disbursements for advertising, etc. Page 2 21 10 0113 Amount 15.00 25.00 60.00 325.00 220.00 38.66 1,208.00 100.00 500.00 355.00 TOTAL. (Carry forward to main schedule) ...... 2,846.66 REV-1512 EX+(12-08) ~ pennsylvanaa ~~ (3f.:f'1~Fi`f'P?E N € t7c RE't'i NL[~ INH ERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES & LIENS ESTATE OF FILE NUMBER Dorothy P. Clymer 21 10 0113 Report debts incurred by decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Boscovs credit card 29 40 2 Verizon -health insurance 10.00 3 Discover Card -credit card 425.04 4 Discover Card -credit card 32.83 5 Verizon Wireless -telephone 73.10 6 Verizon, pension overpayment 360.00 7 Social Security, repayment of final check 1,247.00 8 Internists of Central PA 63.41 9 Liberty Mutual, homeowner's insurance 436.00 10 UGI, final utility expense 211.27 11 E. Penn Township, trash & sewer 115.93 12 TownHomes Florabunda, association dues 980.00 13 Pennsylvania American Water, utility expense 38.30 14 UGI, utility expense 306.34 15 PPL/Dominion, utility expense 142.24 16 Pennsylvania American Water, utility expense 76.19 17 Automobile insurance premium 104.76 18 Homeowner's insurance premium 101.76 19 Phister & Rompalo -preparation of 2009 income taxes 125.00 20 Township/County Taxes 876.76 TOTAL (Also enter on Line 10, Recapitulation) 5,755.33 If more space is needed, insert additional sheets of the same size. REV-1513 EX+(01-10) ~ ` penns~lvana SCHEDULE J t3Ef'AFtT'M!EN'( C7!- RE"'d~NL'~ INHERITANCETAX RETURN BENEFICIARIES RESIDENTDECEDENT ESTATE OF: FILE NUMBER: Dorothy P. Clymer 21 10 0113 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBE NAME AND ADDRESS OF PERSONS RECEIVING PROPERTY Do Not List Trustees OF ESTATE I TAXABLE DISTRIBUTIONS [Include outright spousal distributions, and transfers under Sec. 9116(a)(1.2).] Geoffrey N. Clymer Son 221,731.25 12 Charisma Drive Camp Hill, PA 17011 Galen R. Clymer Son 221,731.25 1112 SE Paradise Avenue Crystal River, FL 34229 Robin Harlos Daughter 0.00 210 Reinbows End Drive West Union, SC 29696-3314 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 TH ROUG H 180E REV-1500 COVER SH EET, AS APPROPRIATE. zz NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 913 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. If more space is needed, use additional sheets of paper of the same size. COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND Register for the Probate of Wi 11 s and Granting Letters of Administration in and for CUMBERLAND County, do hereby certify that on the ist day of March, Two Thousand and Ten, Letters TESTAMENTARY in common form were granted by the Register of said County, on the late o f EAST PENNSBORO TO WNSH/P I , GL ENDA FA RNER S TRA SBA UGH estate of DOROTHY H CL YMFR SHORT CERTIFICATE (First, Middle, Lastl a/k/a DOROTHY P CLYMER in said county, GA L EN R CL YMFR an ci (First, Middle, Lastl (First, Middle, Last) and that same has not since been revoked . IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed the seal of said office a t CARLISLE, PENNSYLVANIA, this 1st day of Niarch Two Thousand and Ten . File No. 2010- 00113 PA File No. 21- 10- 0113 Date of Death 1/22/2010 S . S . # 209-14- 72 73 DOROTHY PA GEL CL YMFR deceased, to GEOFFREYN CLYMER NOT VALID WITHOUT ORIGINAL SIGNATURE AND IMPRESSED SEAL LAST WILL AND TESTAMENT OF DOROTHY P. CLYMER I, DOROTHY P. CLYMER, an widow, of the Borough of Camp Hill, Cumberland County, Pennsylvania, do hereby make this my Last Will and Testament, revoking any former Wills and Codicils made by me. FIRST: I have three (3) children: Galen R. Clymer, Robin Harlos and Geoffrey N. Clymer. However, I have already made separate arrangements for the benefit of my daughter Robin Harlos. Accordingly, my daughter, Robin Harlos, shall be treated for all purposes as if she had pred~ased n °_ _ me, without living descendants. ~ ~ -~ ~ ~ } -~ C7 c~ ~ ~, ~_ SECOND: I give my tangible personal property and all casualty insurance ~~i m crying :~:~ ,_ -, on said tan ible ersonal roe tom sons e uall ~'' ~~ ~~ -v ~ F g p p p rty y q y, or to the survivor of th~r~ Any taible ~i~,4 _~ . personal property not distributed to my sons shall be sold, and the proceeds adde~to my res"~. nary estate, to pass as hereafter described. If neither of my sons shall survive me, my Executor shall have discretion to select and store tangible personal property items for the future distribution to any minor beneficiary, with the cost of such insurance and storage to be borne by my residuary estate. THIRD: I give, devise and bequeath the rest, residue and remainder of my estate, real and personal, to my sons, Galen R. Clymer and Geoffrey N. Clymer, equally, with the share of any deceased son of mine passing to his then-surviving issue, per stirpes. If neither of my sons, nor any of their issue, shall survive me, and in that event only, I give, devise and bequeath the rest, residue ,~ A .~ '~j~~ ~J '~ -1- and remainder of my estate, real and personal, to my friend Elizabeth Ward Morris, if she survives me, otherwise to her then-surviving issue, per stirpes. FOURTH: If any person under the age oftwenty-five (25) years shall become entitled to any share hereunder, then such share shall immediately vest in such beneficiary, but notwithstanding the provisions herein, my Executor may distribute such beneficiary's share to any adult person standing in loco parentis, or to a legal guardian of such beneficiary, or to a custodian (to be selected by my Executor, unless otherwise provided herein) under the Pennsylvania Uniform Transfers to Minors Act, without requiring bond of such adult person, guardian or custodian. The receipt of such adult person, guardian or custodian shall constitute a full release of my Executor for any property so distributed. FIFTH: No person shall benefit hereunder unless he or she shall survive me by thirty (30) days. SIXTH: (1) I name my sons, Galen R. Clymer and Geoffrey N. Clymer, jointly or the survivor of them, as my Co-Executors. If they are unable or unwilling to serve in such capacity, then I name Marsha A. Sajer to act as my alternate Executrix. In the event of a deadlock between my sons, acting as my Co-Executors, the decision of Marsha A. Sajer shall be conclusive for all purposes. I direct that my Co-Executors, including any alternates or successors, herein referred to as my Executor regardless of number or gender, shall serve without bond in any jurisdiction i.n which called upon to act. (2) Except as otherwise provided herein, if all of the above persons should fail to qualify as my Executor hereunder, or for any reason should cease to act in such capacity, the -~- successor or substitute Executor shall be some attorney or bank or trust company with trust powers, which successor or substitute Executor shall be designated by the court having jurisdiction over the probate of my estate. (3) My Executor shall be entitled to receive reasonable compensation for services rendered, as well as reimbursement for reasonable expenses incurred. SEVENTH: (1) I give to any Executor named in this Wili or any Codicil hereto or to any successor or substitute Executor all of the powers enumerated in this Will and all of the powers applicable by law to fiduciaries in the Commonwealth of Pennsylvania and in particular through the Pennsylvania Probate, Estates and Fiduciaries Code, as effective and as in effect on the date of my death, during the administration and until the completion of the distribution of my estate. I direct that all such powers shall be construed in the broadest possible manner and shall be exercisable without court authorization. (2) My Executor is authorized and empowered. to acquire and to retain, either permanently or for such period of time as my Executor may determine, any assets, including proprietary mutual funds, whether such assets are or are not of the character approved or authorized by law for investment by fiduciaries and whether such assets do or do not represent an overconcentration in one investment. (3) My Executor is authorized and empowered to disclaim any interest, in whole or in part, of which I, or my Executor, may be the beneficiary, devisee, or legatee, by executing an appropriate instrument (in accordance with section 2518 of the Internal Revenue Code of 1986, as amended, or such similar section as may then be in effect). 1%'; ~ ~ ~~ ,~_~ -3- (4) My Executor is authorized and empowered to sell at public or private sale, or exchange, and to encumber or lease, for any period of time, any real or personal property and to give options to buy or lease any such property. Additionally, my Executor is authorized and empowered to compromise claims, to borrow from anyone (including a fiduciary or beneficiary hereunder) and to pledge property as security therefor, to make loans to and to buy property from anyone (including a fiduciary or beneficiary hereunder); provided that any such loans shall be adequately secured and at a fair interest rate. (5) My Executor is authorized and empowered to allocate property, charges on property, receipts and income among and between principal or income, or partly to each, without regard to any law defining principal and income. (6) My Executor is authorized and empowered to advance funds to the trustee(s) of any inter-vivos trust created by my late husband or by me, upon request by the trustee(s) thereof. Additionally, my Executor is authorized and empowered to satisfy any debts or encurribrances applicable to property owned by any such inter-vivos trust(s). EIGHTH: All estate, inheritance, succession and other death taxes imposed or payable by reason of my death and interest and penalties thereon with respect to all property passing under this Will shall be paid out of the residue of my estate, as if such taxes were expe~.nses of administration, without apportionment or right of reimbursement. However, I authorize, but do not (SPACE INTENTIONALLY LEFT BLANK) ~- 1 -4- require, my Executor, in his sole and absolute discretion, to pay any such taxes onnon-probate assets as if the same were part of my residuary estate. TN WITNESS WHEREOF, I have set my hand and seal on this my Last Will and Testament this _.~ ~' day of L l~,,r~ ~~1~: , 2006. SIGNED, SEALED, PUBLISHED, and DECLARED by DOROTHY P. CLYMER, as and for her Last Will and Testament, on the day and year last above written, in the presence of us, who, at her request, in her presence, and in the presence of each other, all being present at the same time, have hereunto subscribed our names as witnesses: s ~ ,~. ROTHY; . C MER ~~ ~~ '~' - /T2//~ i ll ~- -5- SELF-PROVING AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS. WE, DOROTHY P. CLYMER and Robert R . Church Patty D. Olyarnik ,and Wallis A. Wirth ,the Testatrix and the witnesses, respectively, whose names are signed to the attached or foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the Testatrix signed and executed the instrument as her Last Will and that she had signed willingly (willingly directed anothf;r to sign for her), and that she executed it as her free and voluntary act for the purposes therein expressed, and that each of the witnesses, in the presence and hearing of the Testatrix, signed the Will a:> witness and to the best of his or her knowledge the Testatrix was at that time eighteen (18) years of age or older, of sound mind, and under no constraint or undue influence. Witness \ `. Witness fitness Subscribed, sworn to, and acknowledged before me by DOROTHY P. CLYMER, the Testatrix, and subscribed and sworn to before me by Robert R. Church Patty D . Olyarnik , and Wallis A. Wirth ,witnesses, this S th day of April , 2006. Not Public COMMON`NE!\I.TFi Jr PENNSYLVANIA NUT~,RIAL SEAL CYNTHIA J. RULE, Notary Public Camp Hill Boro., Cumberland County _ 6 _ My Commission Expires February 3, 2008 ,l ~ , ~: ~'~- ~-~`L.~L'LG~ DOROTHY , .-CL~YME ,Testatrix `~' ~ ~ ° ~ O ~ W ~ ~ o ~~ ~ ••~, ~ Q ~+ Lrl v Ul ~ ul co N ~ ~ ~ ~ d- ,~ ui q N in oo m w o i O ° ~ U oo -rl m ~, m r ~ c~- '~' ~-1 ~-1 N N Ch ~ ~ O O~~ U q U r~ 3" ~ ° CC55 00 O ~ q [t1 t1~ ~ o ~ q O ~ U .. ~ ,-~ rn a~ U r ~ -a _ U N O -~-i c~1 r~ ~ ~ ~ U ~ ~ w O ~ ~ H ri .~ O ~ O E-i ~j H l0 lf~ ~ c t~ °- can ~ ~ ~ --i `d ;n- O >'' ~ ~ ~ ~ ~ «i ~ ~ .i.~ O ~ r ~ t~ r~S ~ `-! ~ a~ Q o '+ J ~ ~ ~ H - ~ ~ q ~ ~ o -° ~y U ~ o ~ m a o ~ ~ H O ~ ~ O~ o o -~ ~~ ~ ~ o ~n . m o 4-- ~ ~ ~ o ~ m -ri • o ~ ~ cro ~ N N .mac o •~ ~i ~ O N ~ Ri H ~ RS -f-1 ri O r -I ~'+ ~ U] ~ O ~ X ~ ~ O c~ ~ ~ -r-1 U ~ +-• U l U] ' ~ ~ O O O Lfl r ~ ~'+ N ~ ~ ~ O O O N lfl (~ UJ +' O c6 'b N O ~ ~ ~ ~ ^ ~~ -ri N ~ ~o 3 ~ ~ O ~ ~ ~ Ul ~ .,~ ~ ~ o ~ a ° ~ o ~ Q , , rl O o0 t/~ ~ M ° ' ri a rt M T~ ^ ~ .u ~ rn -ri 3 C7 p 4-a .~ ~-i Ul cr1 v cn ~ a> r+ ~ H ~ W ^ ~ ~ 00 0\0 ~I U O rn N N ~ O r-I ~ ~ cn *~' N ~ a ~ ~ U v ~ co ~ ~ ~ ° q ~/ r~ ri `Lj (ti a~ ~ U o o O C11 z W q O z ~ O o a~ . ~~ a~ ° (~ ~ ~ c~6 O ,Q U J, \ N W U m N ?. o> ' o b ~ r~ o \ .--4 u~ ~ uo ~ a1 N •• o ~ Pa ~ W ~ o ° cv H ~ G t~ O ? cn ~ ~ H 3 H~ n 1-~ RS 1 1 1 ~ N O -u ° a Q C/~ UJ a CIS U1 ~ of - - U] U cn ~ ~ H (~ f~ ~ O O W rti ° U ~ U] ~ O O J-1 ~ ~ U1 Z b U • r-1 N ~ N ~ .~i ~ ~ ~ O ~ ~ O '~' H ~ ~', O H H • ~., N O • N H . .- -r-I U ~ U ' ' ~ ~ u H H H ~ .1-1 a H U w O (y ti5 \ O \ q ~ _~ ~ O O O ~ ~ U Z N H -rl Ol N 61 CO U 'L~ Ul "- ^ O N N N -r{ -r-I `-' H r--I \ ~ U O \ O Ol Q) (L~ N N [+1 ~ U ,ti '~ ~ ~ N x (~ • • N I `Z+ ~ r~ .- U tvi N N r-1 U U) Ul ',I,' W 1-1 \ U ~i q \ ~ N H `C~ Ra ~ (n \ \ \ N ~ rt3 U fx ~ ~ ~ -r~ F+ H ~ N t~ O ~ <r r-I rl a+ m q U U1 Pa ~ O 3 w q O H ~ ° ~ _ 0 0 0 N M ~ ~ .~ _ ~ _ `' ~ ~ o ~h ~ ~ ~ ~ g ~ O 3 j, ~' U (~ ~ ~ ~ a o ~r N H ri W a ~ ~ o ~ ~ ~ ~ q ~ ~ v+ ~ ~ c~ a W 3 ~ ~ ~ .~ r~ q N ~ r ri ~ .~ H L7 x l~ + ° ~ ~ N CJl q ~-I !~ N (d ~ ~-I O U E~ H H F.~ U H w ~n ~ O ~ ~ ~, ~ O •~ .~ ~ ~ N F U r• N ri O rd O O •~ ~ ~ ~ ~ O E-~ ~ U f~ ~ r.C ,~ `' ~ °G rz ~~% _ ° G X007639817 04/2al2002 _13:32 8©07639817 CLYMER SQJER PAGE 63 19913 Ford Explorer - "~ Tade .tn vail}e, flue i~QOK V~1Ue - K,6~tey ~3f uc... 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G~~©7639817 (~4/26/~882 13:32 ©6x7639817 i 998 Ford Explo~ea• - ~'rade itt Value, Esiue Dob.K value - xelley xs~uc... the vehkte'S C»ndltbn, rnieeye dntl f+9atures. Yhc vek,e wf1 !!leery ba lace than tho PrNate Prsrty VeluQ trOrauso the rzseRr'p Aealer tncurx the cost of safety w.9poctbnz, r'ccondKbrvng .pnd otlrar costs of doMq bv5~es5~ Vta-~7clc Gonditian 12trtingt; Check Vt:hlCle TIC18 History CLYP9ER SAJEF? f-AGE Cj4 i.~lt~l:J/W WW.t11,11•.VVUYl-i1Vr •~t~v~avawa~.,....+....,.~....-t..-.--'-~._. _. __ _ .. '-' Ex~llant t;.' ., ~3,il5 • Looks Herr, t5 Ci OxryS{jrsr machant:_al torWRbn a•d nvrd9 no rIICOrxiRbritVd, • Mcver had ant oaktt or ljody work and t4 fn?e of Kt6t- + mean tKla hfytory and ~ri1 fuss a Smog ancf satLKy ImPectivn. + Enyitle LompartmaAt tr dean, wTf1 !t0 flukt leak!: and K free of any r+bar 4r v6y~blf defecls_ • Complete and verllmbie serv9ce n?torQ9, Less then 5e6 of ar ugod vahkYS tal itrto thlz category GOON - X2,900 Fnt?0 Of dny maJor d¢Arctz. • Clean title hFSbory, tlw pakrts, bodv, and interior have ony miitrr it anY3 bkmgtres, and there arm nv R+tljor m~cl~an~caf problems. • Lttle or 11o Hat on L4tis vtihiGe- • TM9x match and hove 9uDatdnY~ti heaA wear itift. • A "good" vatsiCle w- ttic¢d same rernrolzanir~y m De solA at tntao. Most con;urrier OW nc4 vAhlri.: ; tr II tr ;o talc category. ~If • Sumc medranlcal ur coamotk' dvf~:49 anti ncc~Gt scrvklr>fl but is stfrf kr raabanabl¢ rurtntrp cond$ipn. • Clean tltlq hk3orv, the pehTt, twdy anA/or c~berior n644 :vptk performed tfy d t1rUf+±55bnc~f. • The: may need to be reDWteA. • TharQ may 4ap 84rno Npd'rabk: rVSt damage. Poor N/A + 5¢vCre mechafiksil andfOrt~4metiG Q2f~Ct5 ettA (5 In pOpr Nnntrrg ~nnpt{bn. • May have prpbkms tfr8t C\3Rl4pt D0 reaARy fitOd Srrct~ a5 a damaettd tlamtz or a rusted-through body. - Braredat tRSe (saNa~e, rtvv~f; etc.) or unxrbsta nty+t8d m71ZUyG. f;.i,Ray Bhre Book does not jC1:•^rr+;/t m nrpost B vdf:~o On 8 -pt~OY' vOhk'10 FM C.il ubo tho vakw of tr:oc.s vvhlckc v.~rlcrs graat~•. A vcl~Kk M pov~ conAiti<?n May rYlgU~ at: hr(Jgfr4r<~snt appntal to del;etmrhe Y~ vakfe. "° i`enrnYNar+b 3/.t/ Oat) Accurate Condition Appraisal Cr,arrge Canditicn A.octtrpbufy 7PDraYsint7 tho co nd Qion of a v~kb S an Important aspttt In determinlrtq lis Slue Book vaAie.'Tbktrq our 16 questbn condrdOn qu¢ w~l gnyUrQ YOU knew th+B OPrrBGt condl[Inn raiing- ~~ ~ ~ ~ ~ • Pf1PR I110W Cgtil 'S 2020 KeAby Give Sooh, tx„ Irrc, nN ryht~ rtee+rvad, ~ fj~010~`r14~ 070 t~dlrioa. TI,e sO~drr:. ;nlorrnalio.t r6Vu~idO w dcavm'r,rc tlra .~zlae Jv~ Mxs pxtiCv/.7r- ren:c(e r•9.i ozrpphdC b7' !fro ptteron y.rne ap~r7p tih7s rg~ori, YelrK/e roluerrlcns a~ opJrtbn? d,90 1%i•y w3h+ filjr7t t,pAJllrt (n :rgh;~?,~. Rf rr:c7! r07uatJOnB will yr~ry haPEd u~0/~ marks! condRiorrc, cporNFCatlon>, ~. rcrG cnrxr4'tabn or othss' partlCUl;,r Cnti+.•rn~yra:(a5 lr9•Y*n~r m t'+~5 prtrACu?b•- rtAiCff* or tlrtl fsmhYeKtion or ('1rE~ pMtos 1b ;rie fran>;.x:fYOn. Tn{; rpt;n.7 S,c frtaridfa: Jf~r !hw Fn,?.vLYuaf t/S+i or U?r,-~ piwpnn p~erai'lny7 tl7K rayarf only and SIW;I nGf D xld :.r t:arrun,tA¢d to wrofira- gassy. ltb7eY Blue Boob asavmes no r~pvns9DMlt~j Ibr a rors yr omislnrr Oi .iOD30) ~ ~~~ 311/2010 3:38 PZvT Sti 0 MEMBERS 1st FEDERAL CREDIT UNION SAVINGS ACCOUNT: Account Number/Suffix Date Account Established Principal Balance at Date of Death Accrued Interest to Date of Deatli Total Principal and Accrued interest Name of Joint Owner Date Joint Ownership Established Name of Joint Owner Date Joint Ownership Established CHECKING ACCOUNT: Account Number/Suffix Date Account Established Principal Balance at Date of Death Accrued Interest to Date of Death Total Principal and Accrued Interest Name of Joint Owner Date Joint Ownership Established Name of Joint Owner Date Joint Ownership Established INVESTMENT SAVINGS ACCOUNT: Account NumberlSuffix Date Account Established Principal Balance at Date of Death Accrued Interest to Date of Death Total Principal and Accrued Interest Name of Joint Owner Date Joint Ownership Established Name of Joint Owner Date Joint Ownership Established IRA S.AVIN~CS ACCOUr1T_: Account NumberlSuffix Date Account Established Principal Balance at Date of Death Accrued Interest to Date of Death Total Principal and Accrued Interest Name of Beneficiary IRA CERTIFICATES: Account Number/Suffix Date Account Established Principal Balance at Date of Death Accrued Interest to Date of Death Total Principal and Accrued Interest Name of Beneficiary 268485-00 07/25/2005 $5.00 $.00 $5.00 Geoffrey Clymer 07/25/2005 Galen Clymer 03/25/2009 268485-11 07/25/2005 $697.45 $.24 $697.69 ~ Geoffrey Clymer 07/25/2005 Galen Clymer 03/25/2009 268485-05 08/09/2005 $6,140.72 $1.54 $6,142.26 ~ Geoffrey Clymer 08/09/2005 Galen Clymer 03/25/2009 268485-10 03/25/2009 $.10 $.00 $.10 / Geoffrey Clymer 50% Galen Clymer 50% 268485-16 04/01 /2009* $6,117.18 $9.05 $6,126.23 ~ Geoffrey Clymer 50% Galen Clymer 50% "'Opened by transfer of funds from 268485-10. 5000 Louise D1-i~re P.O. Boy: 40 1~~lechanicsbur~;, Penns~~lvania "17057 (800) 28~-?328 ~~~~~~~.mernberslst.or~ IRA CERTIFICATES: Account Number/Suffix 268485-17 Date Account Established 04/01/2009" Principal Balance at Date of Death $6,313.83 Accrued Interest to Date of Death $10.24 Total Principal and Accrued Interest $6,324.07+ Name of Beneficiary Geoffrey Clymer 50% Galen Clymer 50% '`Opened by transfer of funds from 268485-10. IRA CERTIFICATES: Account Number/Suffix 268485-18 Date Account Established 08/28/2009 Principal Balance at Date of Death $25,891.71 Accrued Interest to Date of Death $23.69 Total Principal and Accrued Interest $25,915.40 Name of Beneficiary Geoffrey Clymer 50% Galen Clymer 50% IRA CERTIFICATES: Account Number/Suffix 268485-19 Date Account Established 08/28/2009 Principal Balance at Date of Death $25,914.02 Accrued Interest to Date of Death $27.43 Total Principa! and Accrued Interest $25,941.45 J Name of Beneficiary Geoffrey Clymer 50°t° Galen Clymer 50% IRA CERTIFICATES: Account Number/Suffix 268485-20 Date Account Established 10/02/2009' Principal Balance at Date of Death $6,086.76 Accrued Interest to Date of Death $5.57 Total Principal and Accrued Interest $6,092.33 Name of Beneficiary Geoffrey Clymer 50% Galen Clymer 50% *Rollover from IRA certificate 15, originally established 04/01 /2009. CERTIFICATES OF DEPOSIT: Account Number/Suffix Date Account Established Principal Balance at Date of Death Accrued Interest to Date of Death Total Principal and Accrued Interest Name of Joint Owner Date Joint Ownership Established 268485-48 05/01 /2006' $20,227.90 $24.21 $20,252.11 Geoffrey Clymer 05/01 /2006 '`Opened by transfer of funds from 268485-05. CERTIFICATES OF DEPOSIT: Account Number/Suffix Date Account Established Principal Balance at Date of Death Accrued Interest to Date of Death Total Principal and Accrued Interest Name of Joint Owner Date Joint Ownership Established 268485-53 08/15!2008" $5,285.62 $12.26 $5,297.88/ Geoffrey Clymer 08/15/2008 *Opened by transfer of funds from 268485-05. CERTIFICATES OF DEPOSIT: Account Number/Suffix Date Account Established Principal Balance at Date of Death Accrued Interest to Date of Death Total Principal and Accrued Interest Name of Joint Owner Date Joint Ownership Established 268485-55 01/16/10" $20,000.00 $4.41 $20,004.41 Geoffrey Clymer & Galen Clymer 01/16/2010 '`Opened by transfer of funds from 268485-11. VISA ACCOUNT: Account Number Date Account Established Balance on Date of Death Joint Cardholder 4672090000218412 10/18/2005 $.00 None M ERS 1s1TnFE ERAL CREDIT NION U~.~ ~------ Danielle A. Kline Lending Insurance Support Specialist March 17, 2010 Estate of: DOROTHY CLYMER Date of Death: 01/22/2010 Social Security Number: 209-14-7273 Internal Order No 0000815 Page #1 of 28 Form GA2 LT - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Robert Ensminger Appraisers Fax: rY9\\~.. _, .~:~ _- - ._.__. .... .._. _.___._. _. __. _.. _. ,Appraised Value as of: 2/5/2010 ~,.~ . Style/Design: Townhouse Lot Size:. 0.22 Acres Living Area (Sc~.Ft.): 2,254 Neighborhood: Townes of Floribunda .Total Bedrooms::: 3 Total Baths: 25 Year Built: 1997 Effective Age: 5 ' Condition: Very Good Date of Report: 275/201.0 Client: Estateof Dorothy Clymer Address: clo Geoffrey Clymer City: Camp Hill Phone: (717) 763-9817 E-mail: clymerg@verizon.net '~ Appraiser's Signature Internal Order No. 0000815 Pa e #2 of 28 12 Charisma Dr. State: PA Zip: 17011 Name: Robert Ensminger Designation: PA Certified Res. R.E. Appraiser Certification or License #: RL0009521` Expiration Date: 6/30/2011 S~[': PA E-mail: robert@ensmingers.net Client File #: None Appraiser File #: 0000815 The value opinion expressed above is only valid in conjunction with the attached appraisal report. This value opinion may be subject to Hypothetical Conditions and/or Extraordinary Assumptions as in rcated in the body of the report. A true and complete copy of this Summary Appraisal Report contains 28 pages. ~~~p ~~~~ Copyright© 2007 by a la mode, inc. This form maybe reproduced unmod'rfied without written permission, however, a la mode, inc. musl be acknowleiiged and credited. j'~ Form GPCAR_ LT - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE 10;2007 Internal Order No. 00008] Page #3 of 28 RESIDENTIAL APPRAISAL SUMMARY REPORT SUBJECT PROPERTY IDENTIFICATION Property Address: 111.7_Country Club._Rd ........................_................_........................_._............._............._........_... City: Camp...Hill._................_.. State: PA Zip Code: 17011-1023 County: Cumberland Legal Description of Real Property: Record Book 270 Page_856 ____ _ __ __ __ Tax Assessor's Parcel #: 09-16-1054-124 R.E. Taxes: $ .3,956:48 Tax Year: 2009 Special Assessments: $ None Known Current Owner of Record: Estate of Dorothy_Clymer Occupancy: ^ Owner ^ Tenant ^ Vacant Current Occupant (if occupied): Vacant Project Type (if applicable): ^ Planned Unit Development ^ Condominium ^ Cooperative ^ Home Owners' Association Membership Fees (if applicable): $ 180_per quarter __ ^ per year ^ per month Market Area Name: Townes of Floribunda Map Reference: 25420 Census Tract: 42041-0102.02 ASSIGNMENT PARAMETERS & CONDITIONS The purpose of this appraisal is to develop an opinion of: ^ Market Value (as defined elsewhere in this report), or ^ Other type of value (describe) This report reflects the following value (if not Current, see comments): ^ Current (the Effective Date, or 'as of date', is the Inspection Date) ^ Retrospective (the Effective Date is prior to the Inspection Date) ^ Prospective (the Effective Date is after the Inspection Date) Subject Inspection: Appraiser: ^ Interior & Exterior ^ Exterior Only ^ None Date of Inspection: 2/5/2010 Supervisory or Co-Appraiser; ^ Interior & Exterior ^ Exterior Only ^ None Date of Inspection: Source(s) used for physical characteristics of Subject: ^ Owner ~^ Office Files ~ MLS ~ Public Records [_] Prior Inspection Interior. inspection ................................................................................................................................................ Data Source for Living Area: Measured Approaches to Value that were developed for this appraisal include: ~ Sales Comparison Approach ^ Cost Approach ^ Income Approach (Please see the Reconciliation Comments and / or the attached Scope of Work statement) Property Rights Appraised: ^ Fee Simple ^ Leasehold ^ Leased Fee ^ Other (describe) Intended Use: Estate purposes. Intended User(s) (byname or type): Geoffrey Clymer, estate executor estate attorneys, authorized personnel of the PA Department of Revenue. Client: Estate of Dorothy Clymer Address: c1o Geoffrey Clymer, 1.2.C_harisma._Dr:, Camp_Hill, PA_1701'I_ __ Appraiser: _Robert_Ensminger Address: 355.7 Elmerton_Ave„ Harrisburg, PA _17.109 1132 Assignment Comments (Scope of Work comments, Hypothetical Conditions, Extraordinary Assumptions, etc.): The_Scope ,of_Work is more fully detailed in the attached__addend.um:_ There._are_no_hypothetical conditions.._or extraordina _._...._..... rX...._.__. _......_. assumptions. Client: Estate of Dorothy Clymer Client File No.: None Appraiser File No.: 0000815 ~~ 1~ Copyright© 2007 by a la mode, inc. This corm may be reproduced unmodified without written permission, however, a la mode, inc. muss be acknowledged and credited. !'~ Form GPCAR LT - "WinTOTAL" appraisal software by a la mode, inc. -- 1-800-ALAMODE 10/2007 Internal Order No. 0000815 Pale #4 of 28 RESIDENTIAL APPRAISAL SUMMARY REPORT MARKET AREA DESCRIPTION Location: ^ Urban ^^ Suburban ^ Rural Built Up: ^ Over 75% ^ 25-75% ^ Under 25% Growth Rate: ^ Rapid ^ Stable ^ Slow Property Values: ^ Increasing ^ Stable [] Declining Demand/Supply: ^ Shortage ^ In Balance ^ Over Supply Marketing Time: ^ Under 3 Mos. ^ 3-6 Mos. ^ Over 6 Mos. Predominant Occupancy: ^] Owner ^ Tenant ^ Vacant (0-5%) [__] Vacant (>5%) Typical One-Unit Price: ($) Low .250,000 ............... High 600 ,_0.00__..,_.,,_,.,,,, Predominant 310,000 Housing Ranges: Age: (yrs,) Low 0 High 20 -- Predominant ., 10 Present Land Use: One-Unit: 95 % 2-4 Unit: % Multi-Unit: % Comrrt'I: % Vacant land 5 Change in Land Use: ^ Not Likely ^ Likely * ^ Is Changing * * To: _Single Fam ily_ _ __ _ ____ _ Market Area Boundaries, Description, and Market Conditions (including support for the above characteristics and trends): The marketing area is .the Floribunda Heights subdivision of East Pennsboro Township Township. The region typically does not expe_rience_ the dislocatio_ns_of economic slowdown due prim_arily_to t_he_stabilizing_effects_of the-state and federal overnmen~ts which . ____ ..... _. _._._..._ -_ - _._ . _.._._. _....._.~_... ..... __ ........................__........._ ............g...._.............__..._... _............................ make up a,lmost_25%° of the regional work force. __Prices_in the area remain.steady but_marketing_time is_increasing_which_tends to_put pressure on increasing prices. The total number of listings divided by the absorption rate is 6.75 months which re resents art "in ............... ...................... p..... ............. ....... . _bala_nce"market:..._Avera.ge...daYs_on_the_market is_currenty_165_days ................._............_...............__........._........._............_..-.__............-....-..._ ... __. _ _ SALE /TRANSFER /LISTING HISTORY OF SUBJECT PROPERTY My research: ^ Did ^~ Did not reveal any prior sales or transfers of the subject property for the three years prior to the Effective Date of this appraisal. Data Source(s): Deed, Public records 1st Prior Sale /Transfer 2nd Prior Sale /Transfer and Prior Sale /Transfer Date of Prior Sale /Transfer: 7/20/2005 12/8/1998 Price of Prior Sale /Transfer: 269,000 210,000 Source(s) of Prior Sale /Transfer Data: Deed ,Tax Record Report . „ _ Analysis of sale /transfer history, any current agreements of sale or listing, and listing history (if relevent): There are no known recent sales or listings of the subject property. Client: Estate of Dorothy Clymer Client File No.: None Appraiser File No.: 0000815 ® ~ Copyrigl~t© 2007 by a la mode, inc. This form maybe reproduced unmodified without written permission, however, a la mode, inc. must be acknowledged and credited. Form GPCAR LT - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE 10/2007 Internal Order No. 0000815 Pa e #5 of 28 RESIDENTIAL APPRAISAL SUMMARY REPORT SITE DESCRIPTION Dimensions: 270.08 x 36.6 x 265.71 x 36.08 Site Area: 0.22 Acre;> Zoning Classification: R-3 Zoning Description: Residential Multi-Famity_ _,___, , _ Zoning Compliance: ^ Legal ^ Legal Non-Conforming (Grantlfathered) ^ Illegal ^ No Zoning Regulations Deed Restrictions: Are Covenants, Conditions, & Restrictions (CC&Rs) applicable? ^ Yes ^ No [_) Unknown Have the documents been reviewed? ^ Yes ^ No ^ N/A Ground Rent (if applicable) $ / Comments: CC&R's are recorded in Cumberland County _Misc..Book_539, Page 1.067 Highest & Best Use, as improved, is the: ^ Present use, or ^ Other use (explain) Actual Use As Of the Effective Date: Residential Use As Appraised in this report: Residential . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . .. .. . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Summary of Highest & Best Use: _The._subject meets the_four..tests of highest_&_best_use. It is legally_.permissible physicolly __ possible, economically feasible, and provides the greatest economic return. Characteristics: Topography: _Sloping_to the rear____ _ _ _ __ __ ___ __ __ Size: Average, for the_area„__ _ _ _ _ _ __ _ _ Shape: Rectangular .........................................................._................... .................................. Drainage: ,Ayera_ge for._the _a_rea.................. . View: Average_for_the_area___ _.___________,_____ ___ ___ _ _ Landscaping: Avera~e._for_the_a.rea -_ Other features: ®Inside Lot ^ Corner Lot ^ Cul de Sac ®Untlerground Utilities ^ Other (describe) Utilities: Public Other Provider/Description Off-site Improvements: Type Electricity: ^ ^ PP&L .__._....._...._----...__.._........_...........__._ ................... Street: Asphalt .__._........._._._... Gas: I^I ^ UGI Curb/Gutter: Concrete Water: ^ ^ PA American,Water Co _ _ _ Sidewalk: Concrete Sanitary Sewer: ^ ^ ,East__Pennsboro__Tovvnship_ _.___ .... _... Street Lights: None Storm Sewer: ^ ^ East Pennsboro _Township Alley: None Is the property or the improvements located in a FEMA Special Flood Hazard Area? FEMA Flood Zone: X FEMA Map # 42041 C0114E Public Private ~~ ^ ^ ^ ^ a ^ Yes ~ No FEMA Map Date: 3/16/20010 Site Comments: There a_re no apparent_easements, encroachments, or other conditions which,would_have an adverse effect on_the_value of the subject property. A title search, which is beyond the scope of this appraisal, has not been conducted to discover easements of record. Client: Estate of Dorothy Clymer Client File No.: None Appraiser File No.: 0000815 ~ONUdY 1E Copyriglit© 2007 by a la mode, inc. This form may be reproduced unmodified witi~out written permission, however, a la mode, inc. must be acknowledged and credited. Form GPCAR LT - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE 10/2007 internal Order No. 0000815 Page #6 of 28 RESIDENTIAL APPRAISAL SUMMARY REPORT DESCRIPTION OF THE IMPROVEMENTS General Description: # of Units: 1 _ ^ + Accessory Unit # of Stories: 2 Design (Style): TownhousE~ _ _..._. Type: ^ Detached ^ Attached ^ Status: ^ Existing ^ Proposed [_] Under Construction Actual Age (years): _13...... __........_...._._ ........._..._ Effective Age (years): _5 ............................._................... Year Built: 1.997......__.. Construction: ^ Site ('stick') Built ^ Modular (prefabricated, assembled on-site) [] Manufactured Housing [^ Mobile Home Note: 'Site Built' may be indistinguishable from 'Modular' during the course of an appraisal inspection. 'Manufactured Housing', by law, refers to homes built on/after June 15, 1976 in compliance with HUD's National Manufactured Home Construction and Safety Standards. The term 'Mobile Home' applies to on-frame 'trailers' constructed prior to June 15, 1976, and which can never meet this Federal standard. Exterior Description: Foundation: Concrete Exterior Walls: Vinyl Roof Surface: Fiberglas _Sning~es.___ ____________.___ _____ ___ _ _ __ Gutters & Downspouts: ,Aluminum Window Type(s): Double Hung Stormi Screens: Insulated lass,.screens .. ......................9. ................._ ..__ _.... _.._.._ .._.._.................__... Foundation Characteristics: Slab: N/A Basement: 100% Dampness: None noted Infestation: No Evidence Basement: ^ None Total Area (Sq.Ft.): _1,4.1.2 ........................... _. Ceiling: Joists Floor: Concrete Heating System: Crawl Space: N/A Sump Pump: .Sump, no_pum SettleiT~ent: No Evidence Finished Area (Sq.Ft.) 0....... ........................................................... Walls: Concrete Outside Entry: Yes Type: High efficiency FWA _ _ Fuel: Gas Cooling System: Central: Central Air Other: Interior Description: Floors: .Carpet, .ceramic the Walls: Trim /Finish: Painted wood Bath Floors Bath Wainscot: Fiberolass Doors: Finished livable area above grade (also known as 'GLA' or 'Gross Living Area'): _D.iywa IL ................_ ....._......___........._........_..........._.._ ......_._..._.._..................._......._......... Ceramic 6 Panel Living i Dining Kitchen .Den Family ;Rec. Rm. Bedrms. : ;.. ............ Bathrms. Utility I ................ ....... ........ Other . .. Area Sq.Ft. . Level 1 ...... 1. ~. ; .... 1 :....... ........ _. . ....... . r. ~ 1 ............... ..e ; 1.5 ! Laund . ..ry..3......... Fo~e'r ..... . . ..1..,4.1..2 .Level2 _ ................... _ _.;.. .....,_._..._.._......__ __ _._,....._...................___..,_............_2._............;. ...._....._~...._...._..,._...._..........._........_..~.....__......._. .._Loft...._.__............... ............__................._842 Livable area above grade contains: 7 Rooms, 3 Bedrooms, 2:.5 Bath(s), and 2,254 Sq.Ft. of GLA Other areas finished or unfinished (not considered to be 'GLA'): Livable , Area Livng i Dining Kitchen .Den .. Family ~ Rec. Rm. ;Bedrms. ;Bathrms. ' Utility i Finished Area Sq.Ft. Total ; Area S .Ft. q Basement _. _ _._..__ ... -- --- I ~ . ~ - - ' ~ ..................... i ......................., . ~ ........................... ................... ~ ~ ( ....., ............ ... i 0 ............. ..... . 1.412 Total of actual livable area (above and below grade): 2 254 Sq.Ft. (Includes non-GLA area) Client: Estate of Dorothy Clymer Client File No.: None Appraiser File No.: 0000815 ~~ Copyright© 2007 by a la mode, inc. This form may be reproduced unmodrfied without written permission, however, a la mode, inc. must be acknowledged and credited. Form GPCAR _LT - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE 10/2007 Internal Order No. 0000815 Pa e #7 of 28 RESIDENTIAL APPRAISAL SUMMARY REPORT DESCRIPTION OF THE .IMPROVEMENTS (continued) Appliances: ^ Refrigerator ~ Range ^ Oven ®Disposal ^ Dishwasher ^ Fan /Hood ^^ M'icrowave ^ Washer ~ Dryer Other Items: Countertops: Attic: ^ None ^ Stairway ^ Drop Stairs ^ Scuttle ^ Doorway ^ Floor ^ Heated ^ Finished Amenities: Fireplace(s): # 1 3 side Mass enclosure Wood Stove(s): # 0 Patio: Concrete Deck: .Composition (Trex) Deck.__ _ _ _ __ Porch: Front .Stoop Fence; Vinyl _ Pool: None Car Storage: ^ None Total # of Cars: 4 Garage: Attached (#): _...__2......__...___...._ ..............._..........____...__......._ Detached (#): ........._..........._.... _.........._.._...__...._._._..___......._....... Built-In (#): __..............__.. Carport (#): Driveway (#): 2 Surface: Aspha_It_,. __ Additional Features: Security system,_central vac,_recessed lighting, skylights, ceiling fans..., updated kitchen & baths humidifier. Describe the Condition of the Property: The_property_hasTbeen__well_maintained:___Kitchen_has_been_upgraded, master_bath has__been totally_remodeled__with_top_of the__line,. fixtures. The overall condition of the house is very aood. Client: Estate of Dorothy Clymer Client File No.: None Appraiser File No.: 0000815 Copyright© 2007 by a la mode, inc. This form maybe reproduced unmodified without written permission, however, a la mode. inc. must be acknowledged and credited. Form GPCAR_ LT - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE 10;2007 Internal Order No. 0000815 Pa e #8 of 28 RESIDENTIAL APPRAISAL SUMMARY REPORT SALES COMPARISON APPROACH TO VALUE For the Sales Comparison Approach, the appraiser selects comparable sales that they consider the best matches to the subject in terms of physical characteristics, physical proximity, and time of sale. The appraiser then makes adjustments to the known sale price of each comparable sale to account for differences that are recognized by the market. For example, if the subject has a single bathroom but a comparable has 2, the comparable's sale price would be reduced by the attributable value given to the extra bathroom based on the market's reaction. Likewise, if a comparable sale has a smaller square footage than the subject, its sale price would be adjusted upward in the same manner. By weighting and reconciling these adjusted sales prices together, an opinion of value for the subject can be determined. FEATURE SUBJECT ~ COMPARABLE SALE # 1 COMPARABLE SALE # 2 ~ COMPARABLE SALE # 3 j Address 1117 Country Club Rd j 1115 Country Club Road 1123 Country Club Road ! 1141 Country Club Road l .......................Camp„Hill, PA 17011-1023 ,Camp HiII, PA 170 11 Camp Hill, PA 17011 Camp Hill, PA 17011 i Proxlmityto Subject „ _ ._.__ 10.01 miles ........ .. „ _. 0.02 miles NW _ . ... .................. ..................... ........................................ (0.09 miles NW ~ Sale Price $ N/A~ $ _. . 278,000 $ 290,000 $ 275,000! Sale Price / GLA $ /Sq .Ft.~$ 184.35/Sq Ft i$ 189 54/Sq Ft ~ , _. __ ,$ 163.98/Sq Ft.' Data Source(s) .................._.. _. ...Inspection___........ ........LMLS._..................................._....._. _...................._._...... ..M_LS__........._....................._.............. . MLS _ ........ :........... f Verrfication Source(s) :Public Records Public Records Public Records _ ....... ................. Public Records ADJUSTMENT ITEMS i DESCRIPTION ~ DESCRIPTION +(-) $ Adjust. DESCRIPTION +(--) $ Adjust. j DESCRIPTION +(-) $ A d ju s t Sales or Financing .. 'CASH OR EQU IV !Conventional Conventional ~ __ _ _ _ __ _ ;FHA I Concessions I27 DOM ~ . _.__...._...----. .........._.._...._ .............----.... 260 DOM ~ .._..............._.._.._._.............__....____..... ............. ~ 135 DOM j _....__. . Date of Sale /Time As of 2/5/2010 , ! 1 /13/2010 ~ ~ 6/9/2009 . _.._._..._...............__.._..._...__....__._..._.._._.._......._...._.i....._.--- .___..__....._...... 10/30/2009 Rights Appraised ;Fee Simple !Fee Simple Fee Simple ! Fee Simple Location Suburban/Avg. _ Suburban/Avg.~__ .___ Suburban/Avg. ~ ;Suburban/Avg. Site 0.22 Acres ! 0.23 Acres 0.19 Acres i i 0.18 Acres ~ j View ................................................ _. Average _:. ;Average Avera e ~ 9 i __ _ t ' iAvera, e i Design (Style) ,Townhouse ;Townhouse t_ ............ Townhouse .............- - ..._............ .. . ~ Townhouse Quality of Construction'; Br&Vin/Good ! Br&Vin/Good Br&Vin/Good Br&Vin/Good ..............__........_._.._.................._.._....._.. ..:.... -.._........._....._._........_...._............ ._.._f..... --...........____...---_._ __ -{ .... ..,.- __.---......... i Condition Very Good Above Average +8,000 Good ! +4 OOOAbove Average I +g 000 ;Above Grade I Total ;Bdrms Baths I Total Bdrms Baths G d _ Total Bdrmsi Baths _ _ ;Total IBdrms~ Baths ; Room Count ...............;..................... ..................... 7 „ 3 2.5 ........ ..................~.....................:................................ ~ 5 2 2 ~ ................................. ..... ~1 0,000I ................ .......... 5 y 2 .? 2 ~~~ ................................ .. .. ............................_....,............................a........_......................................... +10,000 5 2 ? 2 +10 000' Gross Living Area ___ Sq.Ft. 1,508 Sq.Ft. 2,254 _ . +2g,g00 ___._ _ _ _ _ 1,530 Sq.Ft. +2g 000: 1 677 Sq.Ft.~ +23 100: i Basement Total Area i _ 'Full Basement :Full Basement Full Basement , _.... '• Full Basement ~ Basement Finish Area ... ..... ... .. _ Unfinished .. .. .. - - ... ...... E Fam,BR Bath .~_ .........:.... -. .... .. . ___ -10 000 ................................................ . - -... -... .... .- Fam,BR,Bath .....................................................................~............... ....... ...........~ .. ... 3.. i -10,000~Fam,BR,Bath -5,000; i ----.._..___.._._ ............................... ~ i ...... I 'Total Livable,Area._......_...._. ....._ I __ _ ........ .. ~_.......---....._._2,254.Sq.Ft.~ ..............._.......2,508_Sq..Ft:.... ......_..._ ................_..._.......' ._.._. . -5,100 - ---...._......._.. _. __. .._._.............._....._............. ......_._......_...Y...... 2,530 Sq.Ft. .. __....._.__.___._.._._.._ ................._._.._... i _.. _ ..._. _. __. I , -5,500;... 2,167 Sq.Ft.}.....................__.....................~ ._.__..._.._........;........_._............. +1,800; ;Functional Utility H ti /C li Average `Average I Average ~ .. jAverage I ea ng oo ng GFWA/Central (GFWA/Central GFWA/Central i GFWA/Central I Energy EfflClent Items Insulated Windows E Insulated Windows Insulated Windows ; ...._ ......... . _ ~ Insulated Windows ~'' .......... . Garage/ Carport.__..._._. 2 Car_Integ_raI_.... . 2 Car Integral ._;....__ ................_.........._............... .................._...._._.. ' 2 Car Integral _._.........._...._.........._._................... . ..._......__......'.2...Car.lnte _ral_........ __.........._._............ ~ Porch / Patlo /Deck Deck Patio `Deck,Patio .I ............. Deck,PaverPatio _......_...._...._..__ .....__............_. ........... _ ... _..._._....... -2,500( Deck, Patio Fireplaces Fireplace ~ Fireplace _ Fireplace ~ ~ Fireplace ;Other Features j !Other Features ~ .. ........ t...... ; .. __ ........... ........ ...... ......... _.__._ ~._.__..__-.------.-__..____._ _ -__:__ I~ ___._._.._....._._......._j_ .__..__. __..___-----.-----.-.--~ .-... _. -_ c _..,i . . ._._..__.___.._._ - ._.._..----...______._...-.--..--.___-_.--- ---.___._..___..._......----__..a .. i I ~ Y , Net Adjustment (Total) t _ - _...... _ ._. _._ -.-- _.-.- t _ ~+ ^- $ .._.. 32,700... .....____ _ _.__....._._ _~+ 0 - ! $ 25,000 = ~+ ^ ~ $ 37,900; ;Adjusted Sale Price ~ Net 11.8 °,~; _ _..... _.... Net 8.6 %1 . _ . _. Net 13.8 °~ _......_....... _.......: i of Com arables p ' ~ ° ~ Gross ,22.6 /°; $ E ~ 310,700 _.~._ o ~ Gross 21.0 /°, $ ~ _ __~ ° 315,000 Gross 1.7:4 /o $ 312,900; ..._..... Client: Estate of Dorothy Clymer Client File No.: None Apprai ser File No.: 0000815 ~ ~ Copyright© 2 007 by a la mode, inc. This form m ay be reproduced unmodified without written pennissi un. however, a la mode, inc. must be acknowledged and credited. Form GPCAR LT - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE 10/2007 Internal Order No. 0000815 Page #9 of 28 RESIDENTIAL APPRAISAL SUMMARY REPORT SALES COMPARISON APPROACH TO VALUE (continued) Comments on the Sales Comparison Approach: All of the comparables_are located in the Townes of Floribunda section of East Pennsboro Townshi .The com arables are one sto .._....._ ......................................_._....... ............_.._.................. _..._..........................P............. P ......_.... _..... _..!Y..._... with fi_nished_basements while_the subaect is_a.two_stor~r..home_with.an_unfinished__basement: There were no recent sales of two stor _ .................................. . ..... ......._........ ..._........_...._ ..............Y........... homes in the_neighborhood; Comparable._#2 is considered to be__the_best comparable due_to_the condition being closer to thee.condition of the subject and reauirino the smallest net adjustment to the comparable. Appraiser's Indicated Value by the Sales Comparison Approach: $ _ _ 31.5 000 Client: Estate of Dorothy Clymer Client File No.: None Appraiser File No.: 0000815 ®~d~ t Copyright© 2007 by a la mode, inc. This form maybe reproduced unmodified without written permission, however, a la mode, inc. muss be acknowledged and credited. Form GPCAR_LT - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE 10/2007 Internal Order No. 0000815 Pa e #10 of 28 RESIDENTIAL APPRAISAL SUMMARY REPORT PROJECT INFORMATION (only for PUD, Condominium, or Cooperative) The Subject Property: ^ Is ^ Is not located within a PUD, Condominium, or Cooperative Project (see page 2). Legal name of project: Townes of Floribunda Describe Common Elements and Recreational Facilities: Open spaces. RECONCILIATION The following approaches to value are considered necessary for the defined Scope of Work and were developed for this appraisal: ® Sales Comparison Approach Indicated Value by the Sales Comparison Approach: I $ 3,1.5,000 ^ Cost Approach Indlcatetl Value by the Cost Approach: $ NIA ^ Income Approach Indicated Value by the Income Approach: ~ $ _ NIA I Final Reconciliation of the Approaches to Value: All approaches to value were considered. The cost approach and_ the income~~roach were_deemed_not to be appropriate in _ _establishing..the.value„_of the subject pro_perty__and__vvere_not. utilized in the. preparation_of_this_report. Even if other a roaches to value ...___......._..._.... __............pP.._ .......................................__.. _.......... are used, the Sales Comparison Approach is the best indicator of market value. This appraisal is made ~ "as is"; ^ subject to completion per plans and specifications on the basis of a lypothetical Condition that the improvements have been completed; ^ subject to the fallowing repairs or alterations on the basis of a Hypothetical Condition that the repairs or alterations have been completed; ^ subject to the following required inspection(s) based on the Extraordinary Assumption that the following condition or deficiency does not require alteration or repair: This appraisal is made in as is condition. ^ This report is also subject to other Hypothetical Conditions or Extraordinary Assumptions as specified elsewhere in this report. ATTACHMENTS A true and complete copy of this report contains 28 pages, including all exhibits which are ..................... considered an integral part of the report. This appraisal report may not be properly understood wi thout reference to the information contained in the complete report. Attached Exhibits: ^ Scope of Work ^ Limiting Cond./Certifications ^ Narrative Addendum ^ Photograph Addenda ® Sketch Addendum ^ Map Addenda ^ Additional Sales ^ Cost Addendum Flood Addendum ^ Manuf. House Addendum ^ Hypothetical Conditions ^ Extraordinary Assurriptions ^ a ^ ^ OPINION OF VALUE This Opinion of Value may be subject to other Hypothetical Conditions and / or Extraordinary Assumptions, if so indicated above. Based on the degree of inspection of the subject property as indicated on page 2; the defined Scope of Work for this appraisal assignment; the attached Statement of Assumptions and Limiting Conditions; and the attached Appraiser's Certifications, my (our) Opinion of the Market_ Value for _ other_ value. type _specified on page 2) as define_d_ __he_ rein, of the real property that is the subject of this report is: $-,_ 3.15004_____ , 'as af: ` _ _ __ 2/5/2010 `_ ~ which is the Effective Date of this appraisal. Client: Estate of Dorothy Clymer Client File No.: None Appraiser File No.: 0000815 ~~ Copyrigl~t© 2007 by a la mode, inc. This form maybe reproduced unmodified without written permission. however, a la mode, inc. must be acknowledged and credited. Form GPCAR_LT - "WinTOTAL" appraisal software by a la mode, inc. -- 1-800-ALAMODE 10/2007 Internal Order No. 000081 `.i Page #11 of 28 RESIDENTIAL APPRAISAL SUMMARY REPORT GENERAL COMMENTS Please see the attached addendum for clarification of assumptions,,.,.limiting co_nditions_certifications and sco e of work. _._........... _....__..... _ .........................................................._..... ~ .............................. P._... .._ ___ _. _..__.... APPRAISER SIGNATURES SUPERVISORY APPRAISER (if required) or CO-APPRAISER (if applicable) ~. ~~~. Supervisory or Appraiser Name: Robert Ensminger______ Co-Appraiser Name: Company: Robert Ensm_inger Appraisers............ ........... Company: ._...._ ........................................................_................_. Phone: ..(.71..7)...652_-41._~..~........ Fax: 0.1_.7_.)..370-5557 .............._...... ~......_...... Phone: Fax: E-mail: robert a~ensmingers._net _ ._ . _ .__ ._- __. _.__. -__ E-mail: Date of Report (Signature): 3/4/2009 Date of Report (Signature): License or Certification #: RL000952L State: PA License or Certification #: State: Designation: PA Certified Res. R.E. Appraiser _ _ Designation: Expiration Date of License or Certification: 6/30/2011 Expiration Date of License or Certification: Inspection of Subject: ^~, Interior & Exterior ^ Exterior Only ^ None Inspection of Subject: ^ Interior & Exterior ^ Exterior Only ^ None Date of Ins ection: 2/5/2010 Date of Inspection: p _..._ .............._......_.. _..._.__...._ ------ ._._..__..._................_._..............-..-......_._......._.... _.._............................_.............._..........- ....----._........__.........._.._._...._.._._._........._............._......_._._................_... Client: Estate of Dorothy Clymer Glient File No.: None Appraiser File No.: 0000815 ®ONU f i11 ~R CopyrightU 2007 by a la mode, inc. This Corm maybe reproduced unmodified without written permission, however, a la mode. inc. must be acknowledged and credited. Form GPCAR_LT - "WinTOTAL" appraisal software by a la mode, inc, -- 1-800-ALAMODE 10/2007 Internal Order No, 0000815 Page #12 of 28 ASSUMPTIONS & LIMITING CONDITIONS SUBJECT PROPERTY Property Address: 1,117 Country_Club Rd___.......__..._..._.__.._.........._.___.....___......_._...__._......_._. _.._. ... City: Camp_Hill_,_ ___-- State: PA Zip Code: 17011-1023 County: Cumberland STATEMENT OF ASSUMPTIONS & LIMITING CONDITIONS -The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of it being under responsible ownership. -The appraiser may have provided a sketch in the appraisal report to show approximate dimensions of the improvements, and any such sketch is included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size. Unless otherwise indicated, a Land Survey was not performed. - If so indicated, the appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. -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. - If the cost approach is included in this appraisal, the appraiser has estimated the value of the land in the cost approach at its highest and best use, and the improvements at their contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if they are so used. Unless otherwise specifically indicated, the cost approach value is not an insurance value, and should not be used as such. -The appraiser has noted in the appraisal report any adverse conditions (including, but not limited to, needed repairs, depreciation, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property, or that he or she became aware of during the normal research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser ha.s no knowledge of any hidden or unapparent conditions of the property, or adverse environmental conditions (including, but not limited to, the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied, regarding the condition of the property. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment of the property. -The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that hc; or she considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy o1 such items that were furnished by other parties. -The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional Appraisal Practice, and any applicable federal, state or local laws. - If this appraisal is indicated as subject to satisfactory completion, repairs, or alterations, the appraiser has based his or her appiraisal report and valuation conclusion on the assumption that completion of the improvements will be performed in a workmanlike manner, - An appraiser's client is the party (or parties) who engage an appraiser in a specific assignment. Any other party acquiring this report from the client does not become a party to the appraiser-client relationship. Any persons receiving this appraisal report because of disclosure requirements applicable to the appraiser's client do not become intended users of this report unless specifically identified by the cliE;nt at the time of the assignment, -The appraiser's written consent and approval must be obtained before this appraisal report can be conveyed by anyone to the public, through advertising, public relations, news, sales, or by means of any other media, or by its inclusion in a private or public database. - An appraisal of real property is not a 'home inspection' and should not be construed as such. As part of the valuation process, the appraiser performs anon-invasive visual inventory that is not intended to reveal defects or detrimental conditions that are not readily apparent. The presence of such conditions or defects could adversely affect the appraiser's opinion of value. Clients with concerns about such potential negative factors are encouraged to engage the appropriate type of expert to investigate. Client: Estate of Dorothy Clymer Client file No.: None Appraiser File No.; 0000815 Copyright© 2007 by a la mode, inc. This form may be reproduced unmodrfied without written permission, however, a la mode, inc. must be acknowledged and credited. Form GPCARAD_LT - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Page 1 of 3 10/2007 internal Order No. 0000815 Pa e #13 of 28 DEFINITIONS & SCOPE OF WORK SUBJECT PROPERTY Property Address: _1.11.7_Count.-y Club_Rd.. _..._._..__...___..........._.....___..______....__ ........................_.._.......__...___. City: Camp_Hill____....-- State: PA _ Zip Code: 17011-1023 Count : Cumberland _..__ __......_....._._... _ .. ........... Y _.._ . . _......... _..... _ __... _........... _..... _. _........ _ _ __ .. _......_.. DEFINITION OF MARKET VALUE *: Market value means 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 and 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 acting in what they consider their own best interests; 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. * This definition is from regulations published by federal regulatory agencies pursuant to Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) of 1989 between July 5, 1990, and August 24, 1990, by the Federal Reserve System (FRS), National Credit Union Administration (NCUA), Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision POTS), and the Office of Comptroller of the Currency (OCC). This definition is also referenced in regulations jointly published by the OCC, OTS, FRS, and FDIC on June 7, 1994, and in the Interagency Appraisal and Evaluation Guidelines, dated October 27, 1994. The Scope of Work is the type and extent of research and analyses performed in an appraisal assignment that is required to produce credible assignment results, given the nature of the appraisal problem, the specific requirements of the intended user(s) and the intended use of the appraisal report. Reliance upon this report, regardless of how acquired, by any party or for any use, other than those specified in this report by the Appraiser, is prohibited. The Opinion of Value that is the conclusion of this report is credible only within the context of the Scope of Work, Effective Date, the Date of Report, the Intended User(s), the Intended Use, the stated Assumptions and Limiting Conditions, any Hypothetical Conditions and/or Extraordinary Assumptions, and the Type of Value, as defined herein. The appraiser, appraisal firm, and related parties assume no obligation, liability, or accountability, and will not be responsible for any unauthorized use of this report or its conclusions. Additional Comments regarding Scope of Work and Clarification of Assumptions, Limiting Conditions and Certifications are attached. Client: Estate of Dorothy Clymer Client Fi(e No.: None Appraiser File No.: 0000815 Copyriyht© 2007 by a la mode, inc. This form maybe reproduced unmodified without written permission, however, a la mode. inc. must be acknowleclgetl and credited. Fong GPCARAD_ LT - "WinTOTAL" appraisal software by a la made, inc. -1-800-ALAMODE Page 2 of 3 10/2007 Internal Order No. 0000815 Pa e #14 of 28 CERTIFICATIONS SUBJECT PROPERTY Property Address: 1117 Country Club_Rd City: Camp Hill State: PA Zip Code: 17011-1023 County: Cumberland APPRAISER'S CERTIFICATION I certify that, to the best of my knowledge and belief: -The statements of fact contained in this report are true and correct. -The credibility of this report, for the stated use by the stated user(s), of the reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. - I have no present or prospective interest in the property that is the subject of this report and no personal interest with respect to the parties involved. It is noted that the appraiser is also an auctioneer and may be called upon to sell the subject property at auction sometime in the future, however, reported values and my fees (present or in the future) are independent of this appraisal and any future employment. - I have no bias with respect to the property that is the subject of this report or to the parties involved with this assignment. - My engagement in this assignment was not contingent upon developing or reporting predetermined results. - My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. - My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice that were in effect at the time this report was prepared. - I did not base, either partially or completely, my analysis and/or the opinion of value in the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property, or of the present owners or occupants of the properties in the vicinity of the subject property. -Unless otherwise indicated, I have made a personal inspection of the property that is the subject of this report. -Unless otherwise indicated, no one provided significant real property appraisal assistance to the person(s) signing this certification. --- The appraiser has not had any business dealings, in any capacity, regarding this property within the past three years. SIGNATURES APPRAISER SUPERVISORY APPRAISER (if required) or CO-APPRAISER (if applicable) Supervisory or Appraiser Name: Ftobert__Ensminger„_,_____ ___ _ ___ __ __ _ Co-Appraiser Name: Company: Robert Ensminger._App_raisers. ._- .._ Company: _....__.__....._ ...............__. Phone: (71..7.)__652-41.1.1 ................___....._......._ Fax: ..(7_x_7.).._370.-5557..._...._..._........._..._._...... Phone: _........_..........._........_.._....._...._.._................_..__.._.............. Fax:....................... E-mail: robert~a ensmin~ers.net E-mail: Date of Report (Signature): 3/4/20.~.0 .................................................................................................... Date of Report (Signature): License or Certification #: RL000952L State: PA License or Certification #: Si:ate: Designation: PA Certified Res. R.E. Appraiser ___ _ _ _ ____ __ _ Expiration Date of License or Certification: 6/30/2011 Inspection of Subject: ~ Interior & Exterior ^ Exterior Only ^ None Date of Inspection: 2/5/2010 Designation: Expiration Date of License or Certification: Inspection of Subject: ^ Interior & Exterior ^ Exterior Only ^ None Date of Inspection: Client: Estate of Dorothy Clymer Client File No.: None Appraiser File No.: .0000815 Copyright© 2007 by a la mode, inc. This Corm maybe reproduced unmodified without written permission. however, a la mode, inc. must be acknowledged and credited. Form GPCARAD_LT - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Page 3 of 3 10/2007 Internal Order No. 0000815 Pa e #15 of 28 Supplemental Addendum Fiia nin nnnnn~ ~ Client Estate of Dorothy Clymer ____ Property Address 1117 Count Club Rd T City Cam Hill County Cumberland State PA ZipCotle_1701'1-1023 Appraiser Robert Ensmin er Clarification of Assumptions, Limiting Conditions, Certifications and Scope of ~1Jork The Scope of Work is defined in previous pages. The following comments expand the Scope of Work to include any additior~al research or analysis necessary, based on the complexity of this specific appraisal assignment. The scope of work explanations discussed here and within the body of the report further define, clarify and document what the appraiser did [or did not doJ in order to develop the appraisal and report the value opinion, based on the complexity of this appraisal assignment and/or as a result of a supplementary Agreement or Engagement Letter * as accepted by the appraiser, Robert A, Ensminger and his client, Estate of Dorothy Clymer. If no written specific and or supplemental Scope of Work was agreed upon with the client (prior to accepting the assignmen~!, by formal engagement letter and included in this report) the Scope of Work outlined here and within the report; is considered to be representative of what typical users of appraisal services would require and in general, what appraisers would provide as reasonable, accepfak~le and sufficient for the stated intended user's needs. COMPLETE VISUAL INSPECTION: It should be noted that the Appraiser conducted a visual inspection of only the readily accessible areas of the property, viewing only those components of the property which were clearly visible from the ground or floor level. No tests we made of the mechanical, plumbing and electrical systems as such tests are not within the standard guidelines of FNMA or FHLMC. Comments on the condition of the foundation, roof, exterior, interior, floors, mechanical, plumbing, electrical, insulation and all other matters relating to the construction of the subject property is based on a casual observation only and which may have been limited by the placement of personal property, furnishings, etc. so as to preclude observation of the items blocked by same. There was not observation of the attic, crawl space or other areas that would not be visible by the typical visitor to the home and components that are hidden within walls. Although the report may cite a general rating of the adequacy and or condition (based on observation only) it should be clearly understood that these statements are a general guide for comparison purposes (as part of the valuation process) and are not a detailed rE:port on the physical and or operational condition of these items. The appraiser(s) is not an expert in these matters and any opinion stated is advisory based only upon observation. This report is not a home inspection. While others may choose to rely on the report, they should not rely on it to disclose condition and defects. Such knowledge goes beyond the scope of this appraisal and as such, comments on observed conditions given in this report should not be taken as a guarantee that a problem does not exist. The following chart is to assist the intended user in understanding the scope of a complete visual inspection: Complete Visual Inspection Includes: Complete Visual Inspection DoeslDid NOT Include: List the amenities Testin or activatin mechanical s stems iew readil observable exterior areas _ Activatin appliances iew readil observable interior areas _ Observation of crawls aces and attics Note qualit of materials and workmanship Observation of areas not readil accessible Measure the exterior of the improvements _ Buildin Code compliance issues Observe the floor plan and room layout Movin furniture or personal property ssess the functional utilit of the propert _ Mold Assessment Note the subject's conformity to the market area. Removing (or moving) floor coverings Note style / desi n. __ Testin or ins ection of the well and septic. Observe the eneral condition of the improvements Observe a representative sampling of closets, windows, electrical switches, and doors. Re ortin personal pro ert . Roof Condition report beyond an observation from grounnd level. Photo ra h exterior and view site around the im rovements Radon Assessment "Inspection the neighborhood" was limited to driving through the area and a representative number of streets, reviewing maps and other appropriate data including observing the comparables from the street, to determine the general factors that mayor may not influence the value of the subject property and research to the extent further defined in the sections below. REPAIRS 1 DETERIORATION: An effort was made to report those repair items that, in the appraiser's opinion, will affect safety, adequacy Form TADD_ LT - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Internal Order No. 0000815 -Page #16 of 28 Supplemental Addendum File No. 0000815 Client Estate of Dorothy Clymer __ _ Property Address 1117 Country Club Rd _____ City Cam Hill County Cumberland State PA Zip Code 1701'1-1023 Appraiser Robert Ensmin er and marketability of the property. Deterioration consistent with the age of the home has not been itemized. COST APPROACH: The cost approach is typically utilized when improvements are new, near new or are of an unusual construction method. Additionally, the cost approach is only considered appropriate when sufficient land or building sites are available to a potential purchaser so as to make construction of improvements similar to the subject a viable alternative to purchasing the subject. In areas where vacant sites (similar to the subject property in location, zoning, use and utility) are not available to a potential purchaser, use of the cost approach and reliability on the same as a value indicator could be misleading. In cases where the Cost Approach is not required (per USPAP) or deemed necessary to the development of a reliable value opinion, the cost approach has been excluded and such exclusion has been so stated with the body of the report. If the cost approach was used it represents the "replacement cost estimate," and is for "valuation purposes only. " As such, it should not be relied upon for insurance purposes. The definition of "market value" on page 13 of this report is not consistent with the definitiion of "insurable value." If the cost approach was presented, a cost service such as "Marshall & Swift" (or other similar source) was used to develop the estimate. The site value opinion is based on one of several methods: extraction, allocation, the developmental method or from a review and analysis of sales of similar sites within the market area. INCOME APPROACH: The income approach is typically developed when sufficient investor owned properties exist with the ;subject's immediate area or neighborhood and when investors regularly acquire such properties that are similarly desirable to the subject for the express purpose of the investment income they provide. While rental properties may exist within any area, their existence alone should not be considered as evidence of a viable rental and investor marketplace. As such, in areas dominated by "owner occupied" units, it may not be appropriate to present or employ the income approach, unless the approach clearly represents the motivations and actions of investors in the marketplace as it relates to the subject property and immediate area. If the approach is included within the report, it was because sufficient data was found to support conclusions by the appraiser(s) that it was appropriate and meaningful to the analysis and value opinion. If the approach was not included, it was the appraiser's opinion that the data was insufficient to provide a useful and meaningful conclusion. EXTENT OF DATA RESEARCH - SALESILISTINGS: Sales and listings of the subject property and comparables have beers researched, verified, analyzed, and reported. Sales data (including listed, closed, pending and expired listings) of properties that are geographically, physically, functionally and economically similar to the subject property and that are sufficiently recent to reflect current buyer and seller actions were researched and considered. If necessary and applicable, the appraiser also researched data on comparable land and improved sales, income and expense information and construction costs; confirmed comparable sales information (as noted under "EXTENT OF INFORMATION VERIFICATION;"(see next section)) and analyzed the information in applying the approach(es) used. Depending upon the availability and reliability of various data sources, the appraiser(s) used any combination of reasonably available information from city/county records, real estate agents, owner's comments, buyer's description, assessor's records, multiple listing service (MLS) data, brochures, web site listings and visual observation to identify the relevant characteristics of the subject property. comparables were selected based on physical, functional, economic and location characteristics with the sales cited in the report considered to be most relevant to the analysis of subject property. These sales were adjusted to the subject to reflect the market's reaction to differences (if any). EXTENT OF INFORMATION VERIFICATION: Representative samples of disinterested sources for information and data verification include but are not limited to County/City/Township online records - Recorder of Deeds, Treasurer, Zoning, GIS, Online Assessor Property Databases, and the Appraiser's electronic and paper files gathered in the ordinary course of business. Information includes sales history, property characteristics, personal observation of condition, location, physical attributes, real estate transaction declaration documents, sale date, and personal property included in a sales transaction. In addition, the subject's market area was examined to determine the demand for and marketability of the property within the subject's classification. When and where possible, the applicable information vvas verified with sources deemed to be reliable and from a disinterested party or corroborated with a 3rd party source. In some cases, the motivations of the parties and other factors (terms, arms-length transactions, etc.) may not have been available and the data was used at "face value as factually accurate." The appraiser was not supplied with a survey of the subject site and did not check the land records for recorded easements. Only readily apparent and observable easements and encroachments have been reported. Unless otherwise stated within the report, no effort has been made to ascertain whether the subject is located within the appropriate setbacks, as dictated by zoning, building or other regulations. Form TADD_LT - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Internal Order No. 000081;1 Pa e #17 of 28 Supplemental Addendum File No. 0000815 Client Estate of Doroth CI mer _ __ ____ Property Address 1117 Count Club Rd __ _ City Cam Hill County Cumberland State PA Zip Code 1701'1-1023 A raiser Robert Ensmin er ADVERSE NEIGHBORHOOD FACTORS: While some in the market may consider factors such as drug labs, registered se:K offenders, criminal activity, interim rehabilitation facilities, halfway houses or similar uses as "adverse," unless cited within the report, the appraiser has made no attempt to investigate or discover such activities as part of this assignment, unless such factors were readily apparent and obviously impacting the subject property as evidenced by market data. If the intended user has concerns in these areas it is highly recommended that theYsecure this information from a reliable source. DISCLOSURE /DISTRIBUTION: Regardless of who paid for this assignment, the intended user is only the client stated within the report. The appraisal and report may be inappropriate for use by parties other than the intended user and could place them at risk. Despite the means of possession of the report, this appraisal should not be used or relied on by anyone other than the stated intended users and for the stated /intended purpose. The Intended User of this appraisal report is the Client. The Intended Use is to evaluate the property that is the subject of this appraisal for personal reasons, subject to the stated Scope of Work, purpose of the appraisal, reporting requirements of this appraisal report form, and the Definition of Market Value. The nature of the assignment may infer Additional Users of this report. Examples would be where this appraisal is to be used for (a.) legal purposes whereby the client's attorney and authorized court personnel become users of this report on behalf of the client; and (b.) estate purposes whereby the client's attorney and authorized taxing authorities become users of this report. This report is copyrighted by Robert A. Ensminger, ©2008 and may be registered in the U.S. Copyright Office. Any reproduction, electronic or otherwise, of analyses, drawings, contents, representations or opinions of value made in this report for purposes other than those stated in this report, is not permitted. THE VALUE OPINION: The value opinion stated in the report is based on my analysis as of the effective date shown in the report. The value opinion considers the productivity, economic and physical conditions of the property only as of the effective date of this appraisal. As market conditions change, this value opinion may not be valid in another time period. Personal property such as furnishings, equipment or other items that may be included with a sale or transfer of the property were excluded from the value un-ess such items are necessary for the operations of the property (garage door remotes, pool filters, etc) and would normally be a part of the mechanical or operational equipment that is considered realty. Form TADD_LT - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Internal Order No. 0000815 Pa e #18 of 28 Subject Photo Page Client Estate of Doroth Cy lymer _ Property Address 1117 Count Club Rd _ __ City Cam Hill County Cumberland State PA Zip Code 1701 1-1023 A raiser Robert Ensmin er Subject Front 1117 Country Club Rd Sales Price NIA Gross Living Area 2,254 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 2.5 Location Suburban/Avg. View Average Site 0.22 Acres Quality Br&Vin/Good Age 13 Subject Rear ..v,~ ~. ~ ._v turr~.~..r. Subject Street Form LPICPIX.DSS_LTR - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Internal Order No. 0000815TPage #19 of 28 Subject Photo Page Client Estate of Dorothy Clymer __ Property Address 1117 Country Club Rd _ _ ~ _ City Cam Hill County Cumberland State PA Zip Code 17011-1023 A raiser Robert Ensmin er :~ ;~. F.-~ ._ Subject Front 1117 Country Club Rd Sales Price N/A Gross Living Area 2,254 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 2.5 Location Suburban/Avg. View Average Site 0.22 Acres Quality Br&Vin/Good Age 13 Subject Rear Subject Street ~~ .~; ~~ . .:.;, . Form LPICPIX.DSS_LTR - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Internal Order No. 0000815 Pa e #20 of 28 Subject Interior Photo Page Client Estate of Doroth CI mer _ ___ Property Address 1117 Count Club Rd City Cam Hill County Cumberland State PA Zip Code 17011-1023 A raiser Robert Ensmin er Living Room 1117 Country Club Rd Sales Price N/A Gross Living Area 2,254 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 2.5 Location Suburban/Avg. View Average Site 0.22 Acres Quality Br&Vin/Good Age 13 Dining Room Kitchen Form LPICPIX.DSS LTIR - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Internal Order No. 0000815 _Pa9e #21 of 28 Subject Interior Photo Page Client Estate of Doroth CI mer _ ___ Property Address 1117 Country Club Rd _ __ City Cam Hill County Cumberland State PA Zip Code 1701'1-1023 A raiser Robert Ensmin er Bedroom #1 1117 Country Club Rd Sales Price N/A Gross Living Area 2,254 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 2.5 Location Suburban/Avg. View Average Site 0.22 Acres Quality Br&Vin/Good Age 13 `~ ~ g., ,~_' Bedroom #2 Bedroom #3 Form LPICPIX.DSS_LTIR - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Internal Order No. 0000815 Pa e #22 of 28 Subject Interior Photo Page Client Estate of Doroth CI mer __________ _______ Property Address 1117 Country Club Rd ____ __ City Cam Hill County Cumberland State PA Zip Code 17011-1023 A raiser Robert Ensmin er Loft 1117 Country Club Rd Sales Price N/A Gross Living Area 2,254 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 2.5 Location Suburban/Avg. View Average Site 0.22 Acres Quality Br&Vin/Good Age 13 Master Bath Bath Form LPICPIX.DSS_LTIR - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Building Sketch Internal Order No. 0000815 Pa e #23 of 28 Client Estate of Dorothy Clymer _____ __ Property Address 1117 Country Club Rd _ _ City Cam Hp ill V County Cumberland State PA Zip Code 17011-1023 __ Appraiser Robert Ensminger 12.00' M J O O ~ Master ~ Breakfast Bedroom ~ Area Y 4' o v Master ° = Bath PR ~ Dining Room o 0 m v FP 17.50' 0 m N N f0 °o Living Room ri N _ Foyer _. ____ _ 2• 3~ 17.50' ~, r' 14.00' 0 0 14.00' 0 0 of v 36.50' Bedroom Bath 0 0 ai N Bed room 3.75' ~L~3.75' 10.00' "' Loft I ° 0 cD 19.00' 0 o.~ ~;~o Open to ~~ Living Room and Foyer l__ _ _ _ _ _ ___ SNetch Gop/ngft O 2009 RoheO A Ermm~ge~ Form SKT_LT.BIdSkI - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE [nternal Order No. 000081;1 Pa e #24 of 28 Building Sketch Client Estate of Dorothy Clymer ____ _ _ _ _ Property Address 1117 Country Club Rd _ _ City Camp Hill County Cumberland _ State PA Zip Code__1701'I-1023 A praiser Robert Ensmin er Code AREA CALCULATIONS- SUMMARY Description Net Sae Net Totals GLAl First Floor 1411.50 1411.50 GLA2 Second Floor 841.50 841.50 BSMT Basement 1411.50 1411.50 P/P Deck 216.00 Patio 126.00 342.00 GAR Garage 402.50 402.50 Net LIVABLE Area (Rounded) 2253 LIVING AREA. BREAKDOWN Breakdown Sulrtotals First Floor 3.00 x 10.00 30.00 3.00 x 14.00 42.00 11.00 x 36.50 401.50 16.00 x 32.50 520.00 19.00 x 22.00 418.00 Second Floor 3.00 x 10.00 30.00 17.50 x 29.00 507.50 16.00 x 19.00 304.00 8ltems (Rounded) 2253 First Floor GLA1 Second Floor GLA2 3.00 x 10.00 = 30.00 3.00 x 10.00 = 30.00 3.00 x 14.00 = 42.00 17.50 x 29.00 = 507.50 11.00 x 36.50 = 401.50 16.00 x 19.00 = 304.00 16.00 x 32.50 = 520.00 19.00 x 22.00 = 418.00 Area total (Rounded) = 1412 Area total (Rounded) = 842 Basement BSMT Garage GAR 3.00 x 10.00 = 30.00 17.50 x 23.00 = 402.50 3.00 x 14.00 = 42.00 11.00 x 36.50 = 401.50 16.00 x 32.50 = 520.00 19.00 x 22.00 = 418.00 Area total (Rounded) = 1412 Area total (Rounded) = 403 Deck P/P Patio P/P 9.00 x 20.50 = 184.50 10.50 x 12.00 = 126.00 3.00 x 10.50 = 31.50 Area total (Rounded) = 216 Area total (Rounded) = 126 Form SKT_ LT.BItlSkI - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Internal Order No. 000081 `,i Page #25 of 28 Aerial Map Client Estate of Doroth CI mer __ Property Address 1117 Country Club Rd _ City _ Camp Hill County Cumberland State PA Zip Code 1701'1-1023 A praiser Robert Ensmin er Form MAP_LT.LOC - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Internal Order No. 0000815 Page #26 of Flood Map Client Estate of Dorothy Clymer __ ____ Property Address 1117 Countr Club Rd ___ ___ City Cam Hill County Cumberland State PA Zip Code 1_701'1-1023 A praiser Robert Ensmin er Prepared for: ~~~~~~ Robert Ensrt~ingerAppraisers ~r ~ t~ * "1117 Country Club Rd www.interflood.cort~ • 1-8(10-ZS2~6633 Camp Hill, PA 17011-102:3 Form MAP_ LT.FLOOD - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE S'~3-<;~ ~urt~~rc~s~ ~r,~i"o; Fis.~d5o~€rce 4~rporat~rrs. A1! hts r~c._rva~: P~t~rtts €~.~R3 ~.32t~ arm 5.~+7~.t345. ottoEr ~t~mts paring. Fc~r In4o: jndo~•ii~~a,€rt~.r~rrs. u„rP.,,ai nrriPr No 00008151 Paae #27 of 2~~J Deed -Page 1 Client Estate of Dorothy Clymer ---- --- Property Address 1117 Country Club Rd _ --~--- __J-- State PA Zip Code 17011-1023 Cit Camp Hill County Cumberland -- Anntaiser Robert Ensminger_ a-,~~3 ~'~ .. ".rf ..... :-n ~~. :~:t. ..~~i.i;i•;U1rrZ GF licEi)" r Z S RUu 1 fl~ 9 33 TAX PARCEL NO. 09-16-1054-124 MA17F, THE ` ~ _ day of "` in the year two thousand fve (2005) BBT~EN EDGAR R. JAMES and MARY C. JAMES, husband and wife, of Camp HiII, Pennsylvania, Grantors, AND DORO'T'HY P. CLYMER, single woman, of Cullowhee, North Carolina, Grantee, Wl'1'NESSETX, that in consideration of TWO HUNDRED SIXTY-NINE THOUSAND-------------- -----------------------------------------------($269,000.04}--------------------------------_._-----Dollars, in hand paid, the receipt whereof is hereby acknowledged, the said grantors do hereby grant and convey to the said grantee, her heirs and assigns, ALL THAT CERTAIN lot or parcel of ground situate in East Pennsboro Township, Cumberland County, Commonwealth of Pennsylvania, more particularly bounded and described in accordance with Final Subdivision Plan of Floribunda Heights, Phase IIT, Section A, dated April 22, 1996, and recorded ir. Cumberland County Plan Book 72, Page 36, (the "Plan"), as follows, to wit: BEGINNING at a point on the eastern line of Country Club Road, at the dividing line of Lots Nos. Q-7 and Q-8, as shown on the Plan; thence along said dividing line, North 79 degrees 55 minutes 38 seconds East, a distance of 274A8 feet to a point; thence North 20 degrees 28 minutes 47 seconds West, a distance of 36.60 feet to a point at the dividing line of Lots Nos. Q- 8and Q-9, as shown on the Plan; thence along said dividing line, South 79 degrees 55 minutes 38 seconds West, a distance of 265.71 feet to a point on the eastern line of Country Club Road; thence along the said eastern line of Country Club Road by a curve to the right, having a radius of 5$0 feet, and an arc distance of 36A8 feet to a point, the point and place of BEGINNING. BEING Lot No. Q-$, and containing 9,637.34 square feet. Bt)Di( 270 PAGE 8~6 Form SCNLGH - "WinTOTAL" appraisal software by z fa mode, inc. -1-800-ALAMODE Ilnternal Order No 0000 151 Page #28 of 2E}f Deed -Page 2 lient Estate of Dorothy Clymer _ ~-- - roperty Address 1117 Countr Club Rd State PA Zip Code 17011-1023 its Camp Hill County Cumberland -- raiser Robert Ensmin er UNDER AND SUBJECT to a portion of a 16 foot Common Access Easement along the southern lot line as shown on the Plan. FURTHER UNDER AND SUBJECT to a Declaration of Covenants and Restrictions for The Townes of Floribunda, recorded in Cumberland County Miscellaneous Baok 539, Page 1067. FURTHER UNDER AND SUBJECT, NEVERTHELESS, to all easements, restrictions, encumbrances and other matters of record or that a physical inspection or survey of the premises would reveal. HAVING THEREON ERECTED a dwelling house known and numbered as 1117 Country Glub Road, Camp Hill, Pennsylvania. BEING THE SAME PREMISES which Max D. Marbain, an adult individual, by Deed dated November 12, 1998, and recorded December 8, 1998, in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Deed Book 190, Page 667, granted and conveyed unto Edgar R. James and Mary C. James, husband and wife, Grantors herein. i!,r~berlan~ Ce!rntr N,e_.,r7er nt Deeds Ins~run~enl: ruins ir~st°tl ?OOS-+)7~~k;~ 81(lU2rJQi 49:311:52 F~~arks: A ; CLYMER OEEU 11.G4 rE~ - BRIT ,gn I?fE" - RT1 gT4TE "^4.4~i ~.>iSfi FEl(kSBOF4 ,'H~.4v =AST ~fNNSfrC1F7''k? iT4S.44 GEED - A/H 11.;0 I,C,S. ! A.T.J. G.44 ;3 I?1?RDUEMEI~T ENU x.00 :SEC. IMPR~}tSI il!fi,+ 3.41' ':t~eckK 9151 #;9,~n :'r~eckD 91b. g~.r~r0,04 :.hec1~ 9153 ~~.bS'G.44 ;Jt'31 R@Cf1V?~1....:.. 3J~47$.54 BOOK 27O PAC£ 85'7 Farm SCNLGH - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE FROM: ROBERT ENSMINGER APPRAISERS 3557 ELMERTON AVENUE HARRISBURG, PA 17105-1132 Telephone Number: 717-652-4111 Fax Number: 717-370-5557 T0: Estate of Dorothy Clymer c1o Geoffrey Clymer Camp Hill, PA 17011 Telephone Number: (717) 763-9817 Alternate Number: Fax Number: E-Mail: clymerg@verizon.net DESCRIPTION Client: Estate of Dorothy Clymer Property Address: 1117 Country Club Rd City: Camp Hill County: Cumberland Legal Description: Record Book 270, Page 856 FEES AMOUNT Residential Appraisal Report 325.00 SUBTOTAL ~ 325.00 PAYMENTS .:AMOUNT Check #: Date: Description: Check #: Date: Description: ~~ Check #: Date: Description: SUBTOTAL TOTAL DUE ~ 325.00 INVOICE INVOICE NUMBER 0000815 DATE `REFERENCE Internal Order #: Client File #: None Main File # on form: Other File # on form: Federal Tax ID: 23-2492038 Employer ID. State: PA Zip: 17011-1023 Robert Ensminger Appraisers Form NIV3 LT - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE ROBERT L. WELDON EUGENE E. PEPINSKY, JR. JOHN H. ENOS ~ GARY E. FRENCH BRADFORD DORRANCE JEFFREY S. STOKES ROBERT R. CHURCH STEPHEN L. GROSE R. SCOTT SHEARER ELYSE E. ROGERS CRAIG A. LONGYEAR JOHN A. FEICHTEL STEPHANIE KLEINFELTER DONALD M. LEWIS ~ TODD F. TRUNTZ LAUREN S. WELDON KEEPER WOOD ALLEN &RAHAL, LLP ATTORNEYS AT LAW 210 WALNUT STREET P. O. BOX 11963 HARRISBURG, PA 17108-1963 PHONE (7171 255-8000 FAX 1717) 255-8050 EIN No. 23-0716135 www.keeferwood.com August 9, 2010 Glenda Farner St}-asbaugh, Register of Wills Cumberland County Courthouse One Courthouse Square Carlisle, PA 17013 ESTABLISHED IN 1878 OF COUNSEL: N. DAVID RAHAL SAMUEL C. HARRY CHARLES W. RUBENDALL IL WEST SHORE OFFICE: 635 NORTH 12T" ST., SUITE 400 LEMOYNE, PA 17043 17171 612-5800 WRITER'S CONTACT INFORMATION: (717) 255-8059 Fax: (717) 255-8003 E-Mail: rchurch t~keefer~~'ood.com Re: Estate of Dorothy H. Clymer, a/k/a Dorothy P. Clymer, deceased Estate No. 21-10-0113 Dear Ms. Strasbaugh: As counsel for Geoffrey N. Clymer and Galen R. Clymer, Co-Executors of the above- referenced estate., I enclose for filing an original arld one copy of the decedent's Pennsylvania Inheritance Tax Return (with exhibits), as well as an original and one copy of the Inventory. I also enclose a copy of the signature pages of the Pennsylvania Inheritance Tax Return and the Inventory, as well as two checks ($245.71) for inheritance tax due and ($30) for filing fees. Please date-starrap and return the signature pages in the self-addressed envelope provided. Thank you for your attention to this matter. Very truly yours, KEEPER WOOD ALLEN &RAHAL, LLP .. r / ,~ ~ , Robert R. Church ._.., RRC/kpf ~ :~~ `; __. ~-~, r-.~._, -_-, Enclosures `' cc: Geoffrey N. Clymer, Co-Executor (w/o ends.) ' ~=~~? -~;, Galen R. Clymer, Co-Executor (w/o ends.) ~ ~ , ~ °~--- c~: r- , _.... -- . ,, .._. c= .