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10-18-10 (2)
' 1505607121 REV-1500 EX (06-05) OFFICIAL USE ONLY PA Department of Revenue Bureau of Individual Taxes County Code Year File Number Po Box 2aosol INHERITANCE TAX RETURN 2 1 0 '9 0 7 6 0 Hamsburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 1 7 9 2 6 0 7 2 6 0 8 0 6 2 0 0 9 0 6 2 7 1 9 3 3 Decedent`s Last Name Suffix Decedent's Firs t Name MI J U D G E W I L L I A M E (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW 1. Original Return ~ 2. Supplemental Return ~ 3. Remainder Return (date of death prior to 12-1:3-82) 4. Limited Estate ~ 4a. Future Interest Compromise (date of ~ 5. Federal Estate Tax Return Required death after 12-12-82) 0 6. Decedent Died Testate ~ 7. Decedent Maintained a Living Trust ~ 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust) 9. Litigation Proceeds Received ~ 10. Spousal Poverty Credit (date of death ~ 11. Election to tax under Sec. 9113(A) 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 T0: Name Daytime Telephone Number , r~., S U S A N H C 0 N F A I R 7 1 7 ~~ 6 3 3 ~$ 3 Firm Name (If Applicable) ~- V r a r:.a R E A G E R 8 A D L E R P C First line of address 2 3 3 1 M A R K E T S T R E E T Second line of address City or Post Office C A M P H I L L State P A REGIST!6_!R- II"11yILLS ~.." r`.. i ~...~. fir` . --. ; - _ ~ _.•:'` ~K'4P __;~ c ~~= ~. ~ f^.~~ DATE FILED ZIP Code ~- 1 7 0 1 1 Correspondent's a-mail address: SCONFAIRaREAGERADLERPC - COM Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my N;nowledge and belief, it is true, correct and complete. Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge. ADDRESS 421, SPRING HOUSE ROAD SIGNATURE OF P PARE OTHER THAN REPRESENTATIVE ~- - - ADDRESS " 2331, MARKET STREET CAMP HILL DAT ' f ~~ 1~ d PA ],70],1 PLEASE USE ORIGINAL FORM ONLY Side 1 1,505607121 1,5056071,21 J DA' ~~ CAMP HILL P A .17.0.11 J 1505607221 REV-1500 EX oecedent's Name: WILLIAM E• J U D G E Decedent's Social Security Number 1 7 9 2 6 0 7 2 6 RECAPITULATION 1. Real estate (Schedule A) ........................................ 1. 1 9 0 0 0 0. 0 0 2. Stocks and Bonds Schedule B' ( t .................................. 2. 2 4 9 6 . 8 6 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ..... 3. • 4. Mortgages 8~ Notes Receivable (Schedule D) ........................ 4. • 5. Cash, Bank Deposits ~ Miscellaneous Personal Property (Schedule E) ....... 5. 6 3 3 7 1 3 . 9 5 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested ....... 6. • 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) ^ Separate Billing Requested ....... 7. • 8. Total Gross Assets (total Lines 1-7) ........................... 8. B 2 6 2 ], 0 . 8 ], 9. Funeral Expenses 8~ Administrative Costs (Schedule H) ................ 9. 1 4 0 8 4 . 4 4 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) ............ 10. 2 0 3 1 • 7 6 11. Total Deductions (total Lines 9 & 10) ........................... 11. 1 6 1 1 6 . 2 0 12. Net Value of Estate (Line 8 minus Line 11) ......................... 12. 8 1 0 0 9 4 . 6 1 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made (Schedule J) .................. 13. • 14. Net Value Subject to Tax (Line 12 minus Line 13) .................. 14. 8 1 0 0 9 4 • 6 L TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2} X .0 0 0 0 15. 16. Amount of Line 14 taxable at lineal rate X .045 8 1 0 0 9 4 6 1 16. 17. Amount of Line 14 taxable at sibling rate X .12 0 0 0 17. 18. Amount of Line 14 taxable at collateral rate X .15 ^ 0 0 1 g 19. Tax Due ..................... ................. ... ..... ..19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Side 2 0. 0 0 3 6 4 5 4. 2 6 0. 0 0 0. 0 0 3 6 4 5 4. 2 6 a L 1505607221 1505607221 J REV-1500 EX Page 3 Decedent's Complete Address: File Number 21 09 0760 DECEDENT'S NAME WILLIAM E• JUDGE __ _ _ ____ _ STREET ADDRESS V~ 421 SPRING HOUSE ROAD CITY STATE ZIP ____ CAMP MILL PA 17011 Tax Payments and Credits: 1 ~ Tax Due (Page 2 Line 19) 2. CreditslPayments A. Spousal Poverty Credit B. Prior Payments 3 5, 0 0 0.0 0 C. Discount 1, 8 2 2.71 3. Interest/Penalty if applicable D. interest E. Penalty 22.52 (1) 36, 454 •26 Total Credits (A + B + C) (2) Total Interest/Penalty (D + E ) 4. 1f 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. A. Enter the interest on the tax due. B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. 36,822.71 (3) 2 2.5 2 (4) 345.93 (5) 0.0 0 (5A) (56} 0.00 Make Check Payable fo: 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. retain a reversionary interest; or ................................................................................................ ^ d. receive the promise for life of either payments, benefits or care? ....................................................... ^ 2. If death occurred after December 12,1982, did decedent transfer property within one year of death without receiving adequate consideration? ....................................................................................... ^ Q 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? ......... ^ X^ 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? .................................................................................................. ^ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is three (3) percent [72 P.S. §9116 (a) (1.1) (i)], For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero (0) percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [72 P.S. §9116(a)(1.2)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent, except as noted in 72 P.S. §9116(1.2) [72 P.S. §9116(a)(1)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent [72 P.S. §9116(a)(1.3)]. A :sibling is defined, under Section 9102, as an individual who has at feast one parent in common with the decedent, whether by blood or adoption. REV-1502 EX + (6-98} COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEQULE A REAL ESTATE ESTATE OF FILE NUMBER WILLIAM E• JUDGE 21 09 0.'60 All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts. Real roe which is 'ointl -owned with ri ht of survivorshi must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. 421 SPRING HOUSE ROAD, CAMP HILL, PENNSYLVAINA 190,000.00 APPRAISAL DONE 8/18110 AND ATTACHED TOTAL (Also enter on line 1, Recapitulation) ~ $ 19 0 , D 0 0.0 0 (If more space is needed, insert additional sheets of the same size) REV-1503 EX + (6-98) SCHEDULE B COMMONWEALTH OF PENNSYLVANIA STOCKS & BONDS INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF T FILE NUMBER WILLIAM E• JUDGE 21 09 D'76D All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. 20 SERIES EE SAVINGS BONDS 2, 496 . fl6 TOTAL (Also enter on line 2, Recapitulation) I $ 2 , 4 9 6 • fl 6 (If more space is needed, insert additiona{ sheets of the same size) REV-1508 EX + (6-98) COMMONWEALTH OF PENNSYLVAN{A INHERITANCE TAX RETURN RESIDENT DECEDENT PERSONAL PROPERTY ESTATE OF FILE NUMBER WILLIAM E• JUDGE 21 09 CI760 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. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. COINS 2• CASH 3• 4- 5- 6• 7- 8- 9• 10• 11• 12• 13• 14• 15• 16• SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY CITIZENS BANK CHECKING, ACCOUNT #6210?09455 525 WILLIAM PENN PLACE, SUITE 153-2618 PITTSBURGH, PA 15219 CITIZENS BANK TIME DEPOSITS, ACCOUNT #6140695678 525 WILLIAM PENN PLACE, SUITE 153-2618 PITTSBURGH, PA 15219 CITIZENS BANK TIME DEPOSITS, ACCOUNT #6140744245 525 WILLIAM PENN PLACE, SUITE 153-2618 PITTSBURGH, PA 15219 CITIZENS BANK TIME DEPOSITS, ACCOUNT 6249816882 525 WILLIAM PENN PLACE, SUITE 153-2618 PITTBURGH, PA 15219 CITIZENS BANK TIME DEPOSITS, ACCOUNT #6249548403 525 WILLIAM PENN PLACE, SUITE 153-2618 PITTSBURGH, PA 15219 CITIZENS BANK TIME DEPOSITS, ACCOUNT #6255534740 525 WILLIAM PENN PLACE, SUITE 153-2618 PITTSBURGH, PA 15219 MEMBERS 1ST FEDERAL CREDIT UNION, SAVINGS ACCOUNT #112111-000 5000 LOUISE DRIVE, MECHANICSBURG PA 17055 MEMBERS 1ST FEDERAL CREDIT UNION, LIFE SAVINGS ACCOUNT #112111-04 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055 MEMBERS 1ST FEDERAL CREDIT UNION, INVESTMENT SAVINGS ACCOUNT #12111-05 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055 MEMBERS 1ST FEDERAL CREDIT UNION, CD #12111-43 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055 MEMBERS 1ST FEDERAL CREDIT UNION, CD #12111-44 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055 MEMBERS 1ST FEDERAL CREDIT UNION, CD #112111-51 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055 MEMBERS 1ST FEDERAL CREDIT UNION, CD #12111-52 500D LOUISE DRIVE, MECHANICSBURG, PA 17055 TOTAL (Also enter on fine 5, Recapitulation) f $ (If more space is needed, insert additional sheets of the same size) 2,000.00 300.00 1,000.00 52,317.17 3,479.61 17,765.32 49,258.96 33,816.08 33,064.11 4,614.89 4,000.27 21,581.74 19,898.00 22,483.00 13,115.03 11,466.64 633,713.95 Continuation of REV-1500 Inheritance Tax Return Resident Decedent WILLIAM E. JUDGE 21 09 0760 Decedent's Name Page 1 File Number Schedule E -Cash, Bank Deposits, & Misc. Personal Property ITEM NUMBER DESCRIPTION 17. MEMBERS 1ST FEDERAL CREDIT UNION, CD #12111-53 5000 LOUISE DRIVE, MECHANCCSBURG, PA 17D55 18• MEMBERS 1ST FEDERAL CREDIT UNION, CD #12111-55 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055 19• MEMBERS 1ST FEDERAL CREDIT UNION, CD #12111-56 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055 20• MEMBERS 1ST FEDERAL CREDIT UNION, CD #12111-58 500D LOUISE DRIVE, MECHANICSBURG, PA 17055 21• MEMBERS 1ST FEDERAL CREDIT UNION, CD #12111-59 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055690.11 22• MEMBERS 1ST FEDERAL CREDIT UNION, SAVINGS #112121-00 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055 23• MEMBERS 1ST FEDERAL CREDIT UNION, LIFE SAVINGS #112121-04 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055 24• MEMBERS 1ST FEDERAL CREDIT UNION, CD #112121-41 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055 25• MEMBERS 1ST FEDERAL CREDIT UNION, CD #112121-43 5000 LOUISE DRIVE, MECHANICSBURG, PA 17055 26• MEMBERS 1ST FEDERAL CREDIT UNION, CD #112121-46 5DD0 LOUISE DRIVE, MECHANICSBURG, PA 17055 27• MEGA LIFE ANNUITY #E0253131 (BEVERLY JUDGE, WIFE DIED 7/17/09) PO BOX 1417, JACKSONVILLE, IL 62651 28• MEGA LIFE ANNUITY, #E0253130 PO BOX 1417, JACKSONVILLE, IL 62 651 29• MEGA LIFE ANNUITY, #E0253118 PO BOX 1417, JACKSONVILLE, IL 62 651 30• MORGAN STANLEY SMITH BARNEY, IRA, #7 24-6378C-15-409 214 SENATE AVENUE, 7TH FLOOR, CAM P H ILL, PA 17011 31• UNION CENTRAL - ANNUITY, #a200327 56C (BEVERLY JUDGE, WIFE DIED 7!17!09 ) 1876 WAYCROSS ROAD, CINCINNATI, O H 45240 SUBTOTAL SCHEDULE E VALUE AT DATE OF DEATH 24,751.69 17, 422.8D 48,247.40 13,352.02 13,366.84 690.11 4,DD0.27 13,435.30 14,033.51 13,386.56 11,716.24 8,320.05 33,533.99 53,342.61 9,500.00 279,099.39 Continuation of REV-1500 Inheritance Tax Return Resident Decedent WILLIAM E..fUDGE 2~ Decedent's Name Page 2 09 0760 Fife Number Schedule E -Cash, Bank Deposits, 8~ Misc. Personal Property ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 32• PAYMENT FROM AUNT'S ESTATE 1,750.00 33• HIGHMARK INSURANCE REFUND 7,94.34 34• CAR INSURANCE REFUND 259.00 35• MORGAN STANLEY SMITH BARNEY - IRA, #724-6064D-10-409 55,928.11 (BEVERLY JUDGE, WIFE DIED 7/17109) 214 SENATE AVENUE, 7TH FLOOR, CAMP HILL, PA 17011 36• MORGAN STANLEY SMITH BARNEY, #82459681 6,322.29 (BEVERLY JUDGE, WIFE DIED 7/17/09) 214 SENATE AVENUE, 7TH FLOOR, CAMP HILL, PA 17011 SUBTOTAL SCHEDULE E 6 4, 4 5 3.7 4 GRAND TOTAL SCHEDULE E $ 633,713.95 REV-1511 EX + (10-06) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER WILLIAM E• JUDGE 21 09 0760 Debts of decedent must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. MYERS HARNER FUNERAL HOME 4,411.00 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative (s) Street Address City State Zip Year(s) Commission Paid: 2. Attorney Fees REAGER & ADLER, PC 5,000.00 3, Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) 3 , 5 0 0.0 0 Claimant BRIAN JUDGE Street Address 421 SPRING HOUSE ROAD City CAMP HILL State PA Zip 17011 Relationship of Claimant to Decedent S 0 N 4. Probate Fees CUMBERLAND COUNTY REGISTER OF WILLS 565.00 5 Accountants Fees 6. Tax Retum Preparers Fees 7. EXECUTRIX TRAVEL EXPENSE/POSTAGE - MELISSA BUCUK 436.14 8• EXECUTOR POSTAGE EXPENSE - BRIAN JUDGE 18.30 9• LEGAL ADVERTISEMENT - JOURNAL PUBLICATIONS, INC• 79.00 10• LEGAL ADVERTISEMENT - CUMBERLAND LAW JOURNAL 75.00 TOTAL (Also enter on line 9, Recapitulation) $ 14 , 0 8 4.4 4 (If more space is needed, insert additional sheets of the same size) REV-1512 EX + (12-03) SCHEDULE 1 COMMONWEALTH OF PENNSYLVANIA DEBTS OF DECEDENT, INHERITANCE TAX RETURN MORTGAGE LIABILITIES & LIENS RESIDENT DECEDENT ~ ESTATE OF FILE NUMBER WILLIAM E• JUDGE 21 09 0760 Report debts incurred by the decedent prior to death which remained unpaid as of the date of death, including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. MEDICAL - VISITING ANGELS 144.00 2• AMBULANCE SERVICE - EAST PENNSBORO AMBULANCE SERVICES, INC• 100.00 3- MEDICAL - GRISWOLD SPECIAL CARE 627.90 4• BANK CHARGES 24.22 5• PPL ELECTRIC - FINAL BILL 131.60 6• VERIZON - FINAL BILL 102.80 7• PENNSYLVANIA AMERCIAN WATER - FINAL BILL 100.70 8• UGI - FINAL BILL 44.09 9. MEDICAL CARE - CUMBERLAND COUNTY DEPT• OF AGING 359.50 10• MEDICAL EQUIPMENT - AMERICAN HOME PATIENT 46.95 11- APPRAISAL FEE - BARON 8 ASSOCIATES 350.00 TOTAL (Also enter on line 10, Recapitulation) ~ $ 2 , 0 31.7 6 (If more space is needed, insert additional sheets of the same size) REV-1513 EX + (9-00) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE J BENEFICIARIES ESTATE OF FILE NUMBER IdTI 1 TeM ~. .IIIDr~ ai. na n~~n RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under Sec. 9116 (a) (1.2)j 1. MELISSA JUDGE BUCUK Lineal 405,047.30 16521 ENNIS TRAIL AUSTIN, TX 78717 2• BRIAN J• JUDGE Lineal 405,047.31 421 SPRING HOUSE ROAD CAMP HILL, PA 17011 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET II. NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX lS NOT BEING MADE 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS 1. TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET $ ~Ir more space Is neeaea, insert atlditional sheets of the same size) LAST WILL AND TESTAMENT OF WILLIAM E. JUDGE I, William E. Judge, of Hampden Township, County of Cumberland and State of Pennsylvania, being of sound and disposing mind, memory and understanding, do make, publish and declare this my Last Will and Testament, hereby revoking a~~d making void all former Wills by me at any time heretofore made. 1. I direct the payment of all my just debts and funeral expenses as soon after my decease as the same can conveniently be done. 2. I give, devise and bequeath my entire estate, real, personal and mixed to my wife, Beverly A. Judge, absolutely and in fee simple. 3. In the event my wife should predecease me or die within thirty (30) days of my death, then I give, devise and bequeath my entire estate to my children, Melissa Judge Bucuk and Brian J. Judge, in equal shares. ,. ,~ 4. I nominate, constitute and appoint my wife, Beverly A. Judge, to be executrix of this, my Last Will and Testament. 5. In the event my wife predeceases me or for any reason is unwilling or unable to dct as executrix, I nominate, constitute and appoint my children, Melissa Judge Bucuk and Brian J. Judge, to be co-executors, and if, for any reason, either is unable to act as such the other shall be the sole executor. In witness whereof, I have hereunto set my hand and seal ,.. this ` '~~ day of July, 1991 . .-- ' ~ ~~ ~ ~. _ ~~ ~s 4 t Sea 1 ) William E. Judge '~ Signed, sealed, published and declared by the above- named William E. Judge, as and for his Last Will and Testament, in the presence of us, who, at his request and in his presence, and in the presence of each other, have hereunto subscribed our names as witnesses. ~~ }{ r ~ _ r J I' ' ~.. ~ ~ '? `~ ~' f~ ~< ~'" ., i'~ ~~ 1 a.~ /~~ ~ ~~ .+!' , COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS. I, WILLIAM E. JUDGE the testator , whose name is signed to the attached or foregoing instrument, having been duly quali- fied according to law, do hereby acknowledge that I signed and executed the instrument as my Last Will and Testament; that I signed it willingly, and that I signed it as my free and voluntary act and deed, for th~a pur- poses therein expressed. ~j ~ {~`~ " ' ,~/,~,~..`'v ~ -~-" .~-'_'° ( SEAL) Sworn and subscribed to ~'' ~ -/ ~ .- before me this ~"` William E. Jxi ge ~ day of July , 19 91. M~mb~'. P~nsv'1~ar-~~a R ~s~ ts~ COMMONWEALTH OF PENNSYLVANIA ) SS. COUNTY OF CUMBERLAND ) We, the undersigned, i'~ ~~.~~~.~ /~/. ~c,.,~. and ~~ . ~~~--('~..t;.~,.~ ,`j ~~;,,~ ~ .~ the witnesses whose names are signe~ to the attached o~t~foregoing instrument, being duly qualified according to law, depose and say that we were present and saw the testator WILLIAM E. JUDGE signed and execute the in- strument as his/hsa Last Will and Testament; that the said testatg~- , WILLIAM E. JUDGE , signed the same willingly, and that the said WTLLTAM E. JUDGE executed it as hiss free and voluntary act for the purposes therein expressed; that each of us, in the hearing and sight of the testat or signed the Will as witnesses; and that, to the best of our knowledge, the testator was, at thE: time, eighteen (18) or more years of age, of sound mind, and under no con- straint, duress or undue influence. Sworn and subscribed to before me this ~'~ day of July , 19 91. ~,~ - ~ ~ ~~-- ~; ~~ erg. v,~r .~~ ~ shclwills/codicil.frm FIRST CODICIL OF WILLIAM E. JUDGE I, WILLIAM E. JUDGE, of Camp Hill, Cumberland County, Pennsylvania, being of sound and disposing mind, memory and understanding, do hereby make, publish and declare this my First Codicil to my Last Will and Testament dated July 11, 1991. Paragraph 5. of my Last Will and Testament shall be amended to including the follow: None of the individuals named herein shall be required to furnish a bond for the faithful performance of his or her duties as executor. IN WITNESS WHEREOF, I have hereunto set my hand and seal to this, my First Codicil to my Last Will and Testament, consisting of one page, this ~ ~ day of ~2 2009. ~~ .- ~~ , WILLIAM E. JUDGE, Testator Signed, sealed, published and declared by the above-named Testator, V'VILLIAM E. JUDGE, as and for the First Codicil to her Last Will and Testament, in thE~ sight and presence of us, who, at his request, in his sight and presence and in the sight and presence of etch other, have hereunto subscribed our names as witnesses. ~' ~ Address ~ ~ 3't ~.e-; fit- S'{Ye~~- ~~ ~~``~~~~~, ~ ~- ,~',~'!,~~ Address ~Q~ pct . ~~- i -,.o~ i -----~ ' she/wills/codicil.frm COMMONWEALTH OF PENNSYLVANIA ) SS. COUNTY OF CUMBERLAND ) I, WILLIAM E. JUDGE, THE TESTATOR, WHOSE NAME IS SIGNED TO THE FOREGOING INSTRUMENT, HAVING BEEN DULY QUALIFIED ACCORDING TO LAW, DO HEREBY ACKNOWLEDGE THAT I SIGNED AND EXECUTED THE INSTRUMENT AS THE FIRST CODICIL TO MY LAST WILL AND TESTAMENT; THAT I SIGNED IT WILLINGLY; AND THAT I SIGNED IT AS MY FREE AND VOLUNTARY ACT FOR THE PURPOSES THEREIN EXPRESSED. SWORN OR AFFIRMED TO AN ACKNOWLEDGED BEFORE ME B~Y WILLIAM E. JUDGE, THE TESTATOR THIS ~ DAY OF , 2009. William`E. udge, Testator Cp1~111V1 {_ `~ ~ ~~N~i~~`LVAN IA Ota ry P U b I I C Notarial Seal Deborah L Brenneman, Notary Public Camp Hill Boro, Cumberland County My Commission Expires June 18, 2010 Member, Pennsyl~iania Association of Notaries 'she/wills/codicil.frm COMMONWEALTH OF PENNSYLVANIA ) COUNTY OF CUMBERLAND ) SS. WE, ~.C.~t,~~,~%~--AND ~E~-~l E~ ~ MEA l.S THE WITNESSES WHOSE NAMES ARE SIGNED TO THE FOREGOING IN~~TRUMENT, BEING DULY QUALIFIED ACCORDING TO LAW, DEPOSE AND SAY THAT WE WERE PRESENT AND SAW THE AFORESAID TESTATOR SIGN AND EXECUTE THE INSTRUMENT AS THE FIRST CODICIL TO HIS LAST WILL AND TESTAMENT; THAT HE SIGNED WILLINGLYAND THAT HE EXECUTED IT AS HIS FREE AND VOLUNTARY ACT FOR THE PURPOSES THEREIN EXPRESSED; THAT EACH OF US IN THE HEARING AND SIGHT OF THE TESTATOR SIGNED THE CODICIL AS WITNESSES; AND THAT TO THE BEST OF OUR KNOWLEDGE THE TESTATOR WAS A~T THE TIME EIGHTEEN (18) OR MORE YEARS OF AGE, OF SOUND MIND AND UNDER NO CONSTRAINT OR UNDUE INFLUENCE. SWORN OR AFFIRMED TO AND SUBSCRIBED TO BEFORE ME, THIS ~~ DAY OF , 2009. E~1NAA+if.~~ ~ ~iLvAN1A Notarial Seai Deborah L. Brenneman, Notary Public Camp Hill Boro, Cumberland County My Commission Expires June 18, 2010 Member, Pennsylvania Association of Notaries Main File No,1008V101MB Paae #1 Real Estate Appraisals (717) 315-7032 Form GA2 - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Main File No. 10081.101M~ Paae #2l i uues i ~ August 18, 2010 Brian Judge 421 Spring House Road Camp Hill, PA 17011 RE: Estate of William E. Judge 421 Spring House Road Camp Hill, PA 17011 Dear Mr. Judge: Pursuant to your request, I have prepared a Summary Appraisal Report for the property captioned in the "Summary of Salient Features" which follows. The accompanying report is based on a site inspection of improvements, investigation of the subject neighborhood area of influence, and review of sales, cost and income data for similar properties. This appraisal has been made with particular attention paid to the applicable value influencing economic conditions and has been processed in accordance with nationally recognized appraisal guidelines. The retrospective market value conclusion stated herein is as of the date of death of William E. Judge, on August 6, 2009; as stated in the body of the appraisal and contingent upon the certifications and limiting conditions attached. The date of inspection was August 11, 2010. Please contact me, if I can be of additional service to you. Respectfully, Mark A. Baron PA CREA Form DCUR - •WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Main File No.10081101M6 Paae #3 SUMMARY OF SALIENT FEATURES Subject Address 421 Spring House Rd Legal Description Deed Book 23K Page 848 City Camp Hill County Cumberland State PA Zip Code 17011-1453 Census Tract 0113.03 Map Reference 25420 Sale Price $ N/A - Date of Sale N/A Client Brian Judge Client Brian Judge Size (Square Feet) 2,012 Price per Square Foot $ Location suburban Age 40 Condition Average Total Rooms 8 Bedrooms 4 Baths 1 F2H Appraiser Mark A. Baron, Certified Residential R.E. Appraiser Date of Appraised Value 8/6/2009 Opinion of Value $ 190,000 Form SSD2 - "WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE Subject Photo Paae Main file No.100i31101 MB Paae #a Subject Front 421 Spring House Rd Sales Price N/A Gross Living Area 2,012 Total Rooms 8 Total Bedrooms 4 Total Bathrooms 1 F2H Location suburban View Residential Site .28 acres Quality Average Age 40 Subject Rear Subject Street Form PICPIX.SR - "WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE Real Estate Appraisals (717) 315-7032 Main File No.100811i?1M6 Paae #5 pr UNIFORM RESIDENTIAL APPRAISAL REPORT File No. 10081101M6 Pro a Address 421 S rin House Rd Cit Cam Hill State PA Z Code 170'11-1453 Le al Descri lion Deed Book 23K Pa a 848 Cou Cumberland Assessor's Parcel No. 10-19-1598-159 Tax Year ' 10=11 R.E. Taxes 2 432.15 S ial Assessment N/A Borrower N/A Current Owner William E. & Beverl A. Jude Occu am: Owner Tenant Vacant . . Pro ri hts a raised Fee Sim le Leasehold Pra'ect T e PUD Condominium HUD A o HOA N/A o. Nei hborhood or Project Name Ham den Townshi Ma Reference 25420 Census Tract 0113.03 Sale Price N/A Date of Sale N/A Descri lion and amount of loan har concessions to be id b alter N/A Lender Client Brian Jude Address 421 S rin House Road Cam Hill PA 17011 A raiser Mark A. Baron, Certified Residential R.E. / Address 449 Devon Road Cam Hill, PA 17011 Location Urban Suburban Rural Built up ^ Over 75% ®25-75% ^ Under 25% Growth rate ^ Rapid ®Stable ^ Slow Predominant occupancy ®Owner 90 Qg PRIGE~ family hoAsC~'rEg $(000) (yrs) 138 Low new present land use % One family 68 2-4 family 5 Land usr: change ®Not likely ^ Likely ^ In process Property values ^ Increasing ^Stable ®Declining ^ Tenant 750+ Hi h 100+ Multi-family 3 To: Demand/supply ^ Shortage ®In balance ^ Over supply ®Vacant (0-5%) Predominant Commercial 16 Marketin time Under 3 mos. 3-6 mos. Over 6 mos. Vac. over 5% 280 35-40 Other 8 Note: Race and the racial composition of the neighborhood are not appraisal factors. Neighborhood boundaries and characteristics: See attached location map. Hampden Township • Factors that affect the marketability of the properties in the neighborhood (proximity to employment and amenities, employment stability, appeal to market, etc.): The nei hborhood consists of a tom atible mix of most) 30 to 55 ear old detached homes of va in uali .All amenities and rna'or traffic arteries are convenient to the sub'ect ro ert . Avera a Economic social and h sicat area. Distance to amenities and necessities is avera e. The are no known detrimental nei hborhood influences that would affect the sub'ects value or marketabili avera a mix ands a of residential dwellin s located in an avera a sized suburban townshi . Market conditions in the subject neighborhood (including support for the above conclusions related to the trend of property values, demand/supply, and marketing time -- such as data on competitive properties for sale in the neighborhood, description of the prevalence of sales and financing concessions, etc.): The search of count tax records the MLS service and information athered from realtors familiar with the sub'ect's market indicate rites to be in decline. Mort a e funds are readil available for ualified a licants from a varlet of sources with conventional loans bei 5.00% to 6.50% interest. Sellers are not re wired to offer sales or financin concessions however seller assistance is occurri .MLS Market statistics indicate that the avera a sale rice sold in 2008 for ham den townshi of detached sin le fami homes was $299 619 statistics show the first two uarters of 2009 show an avera a sale rice of $282,034. No time ad'ustments made due to sub'ect rice ran e. _ Project Information for PUDs (If applicable) - - Is the developer/builder in control of the Home Owners' Association (HOA)? Yes No Approximate total number of units in the subject project Approximate total number of units for sale in the subject project Describe common elements and recreational facilities: Dimensions See Le al Descri lion in the Deed Topography sbped from back to front Site area .28 acres Corner Lot ^ Yes ®No Specific zoning classification and description R-S Suburban Residential Zoning compliance ®Legal ^ Legal nonconforming (Grandfathered use) ^ Illegal ^ No zoning Hi hest & best use as im roved: Present use Other use ex lain Size average Shape rectangular Drainage Appears Adequat<; View typical for the area Utilities Public Other Electricity ® Gas ® Water ® Sanitary sewer ® Storm sewer Off-site Improvements Type Public Private Street _paved ® ^ Curb/gutter concrete ® ^ Sidewalk concrete ® ^ Street lights Yes ® ^ Alle None Landscaping mature/typical Driveway Surface macadam Apparent easements Utilities FEMA Special Flood Hazard Area ^ Yes ®No FEMA Zone X Map Date _3/16/2009 FEMA Ma No. 42041 C0277E Comments (apparent adverse easements, encroachments, special assessments, slide areas, illegal or legal nonconforming zoning use, etc.): Standard easements for utilities are resent which do not adverse) affect the site. There are no known or a arent adverse easements encroachments or conditions noted. GENERAL DESCRIPTION No. of Units 1 EXTERIOR DESCRIPTION Foundation Conc.Blk./av FOUNDATION Slab none BASEMENT Area Sq. Ft. INSULATIOIJ Roof ^ No. of Stories 2 Exterior Walls aluminum/av Crawl Space none % Finished 0 _ Ceiling ^ Type (Del./Att.) Detached Roof Surface shin le /fair Basement Full Ceiling _ Walls ^ Design (Style) Traditional Gutters & Ownspts. aluminum/av Sump Pump none Walls _ Floor ^ E>asting/Proposed Existin Window Type dh thm/av . Dampness None observed floor _ None ^ Age (Yrs.) 40 StorMScreens t ical Settlement None observed Outside Entry _ Unknown Effective A e rs. 15-20 Manufactured House No Infestation None observed ROOMS Fo er Livin Dinin Kitchen Den Famil Rm. Rec. Rm. Bedrooms # Baths Laund Ot her Area S . Ft. • Basement Level) 1 1 1 1 .5 X 1144 Level2 4 1.5 868 finished area above rode contains: 8 Rooms 4 Bedroom s ~ 1 F2H Bath s ~ 2 012 S ware Feet of Gross Livi Area INTERIOR Materials/Condition Floors car et the vin I/av . Walls taster / av TrirNRnish wood/av HEATING Type FWA Fuel as Condition av . KITCHEN EQUIP. Refrigerator © Range/Oven ® Disposal ® ATTIC None ^ Stairs ^ Drop Stair ^ AMENITIES Fireplace(s) # 1 ® Patio ^ Deck ^ CAR STORAGE: None ^ Garage # of cars Attached 2 car Bath Fbor vin I / av Bath Wainscot FG/ av Doors t ical/av . COOLING Central CAC Other Condition av . Dishwasher ® FaNHood ^ Microwave ^ Washer D er P Scuttle ® Floor ^ Heated ^ Finished Porch ^ Fence ^ Pool ^ Detached Built-In Carport Drivewa 2 car Additional features (special energy efficient items, etc.): typical to the market area. Condition of the improvements, depreciation (physical, functional, and external), repairs needed, quality of construction, remodeling/additions, etc.: See attached addenda. Adverse environmental conditions (such as, but not limited to, hazardous wastes, toxic substances, etc.) present in the improvements, on the site, or in the immediate vicinity of the subject property.: There are no known or apparent adverse environmental conditions that would negatively im act on the sale of the ro ert .See addendum. Fr eddie Mac Farm 70 6/93 Par,F ~ nF ~ r:~~~~o ne~~~ G,.,,, irurn aro~ Form UA2 - •WinTOTAL"appraisal software by a la mode, inc. -1-800-ALAMODE Main File No. 10081,~i 1M P ,._,.._.:__~__.:__ IIMIFARM RFCII1FNTtA1 ADDRAICAI RGDART ,,,,,,,, ,,,,,,,,,,,,,,~ ESTIMATED SITE VALUE .............................................. _ $ ESTIMATED REPRODUCTION COST-NEW-OF IMPROVEMENTS: Dwelling 2,012 Sq. Ft. @$ _ $ Sq. Ft. @$ - Comments on Cost Approach (such as, source of cast estimate, site value, square foot ca~ulation and for HUD, VA and FmHA, the estimated remaining economic life of the property): The Cost Approach will general result in an excellent estimate of valuerf the buikii is new or - reasonabl new and the im rovements reflect the hi hest and _ Garage/Carport 440 Sq. Ft. @$ = best use of the land. However when items of h sical Total Estimated Cost New ............................._ $ de reciation must be estimated an area of 'ud ement is . Less Physical Functional External involved which is sub'ect to error. The Cost A roach was not Depreciation ~ ~ _$ utilized due to the a e of the sub'ect. Depreciated Value of Improvements ............................... _$ "As-is" Value of Site Improvements ................................... _$ INDICATED VALUE BY COST APPROACH ............................ _$ ITEM SUBJECT COMPARABLE N0.1 COMPARABLE N0.2 COMPARABLE N0.3 421 Spring House Rd Address Cam Hill 514 Spring House Road Cam Hill PA 17011 540 Orrs Bridge Road Cam Hill PA 17011 3608 Kent Drive Mechanicsbur PA 17050 Proximi to Sub~ect 0.44 miles N 0.47 miles NW 0.89 miles N Sales Price N/A 220,000 219 000 214 900 Price Gross Livin Area ~ 108.37 ~ 113.83 ~ 102.77 ~ Data and/or Verification Source Inspection ublic record MLS #10175868 ublic record a ent MLS #10160100 ublic record a ent MLS #10175199 ublic record a en~t VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad~ust. DESCRIPTION + - $ Ad'ust. DESCRIPTION + - $ Ad'ust. Sales or Financing Concessions ' Conv./DOM 26 Cls. Cost / Re air ~ -1 500 FHA / DOM 248 ~ Cls. Cost / Re air ~ -7 500 FHA / DOM 11 Cls. Cost / Re air ; -7 000 Date of Sale ime 4/24/2009 12/5/2008 4/30/2009 Location suburban suburban suburban inferior +5 000 suburban Leasehold Fee Sim le Fee Sim le Fee Sim le Fee Sim le Fee Sim le Site .28 acres .35 acre .23 acre .23 acre View Residential Residential Residential Residential Desi n and A eal Traditional Trad./Su erior -5 000 Trad./Su erior -3 000 Trad./Su erior -3 000 Oualit of Construction Avera a Avera a Avera a Avera e A e 40 36 32 30 Condition Avera a Su erior -12,000 Su erior -15 000 Su erior -10 000 Above Grade Total_j Bdrms; Baths Total ~Bdrms i Baths i Total ~Bdrms ~ Baths ~ Total ~Bdrms ~ Baths Room Count 8 ~ 4 ~ 1 F2H 7 ~ 3 ~ 2.5 ~ -2,500 7 ~ 3 ~ 2.5 ~ -2,500 8 ~ 4 ~ 2.5 ~ -2 500 - Gross Livin Area 2 012 S . Ft. 2 030 S . Ft. ~ 1 924 S . Ft. ~ , 2 091 S . Ft. - Basement & Finished - Rooms Below Grade full, unfinished none equal,part.finish Bed Bath -8 000 equal,unfinished none equal,unfinished none • Functional Utili Avera a Avera a Avera a Avera e Heatin Coolin FWA as CAC FWA as CAC Hwtr as/none +3 000 FWAoiI CAC Ener Efficient hems T ical T ical T ical T ical Gara Car ort 2 car ara e 2 car ara e 2 car ara e 2 car ara e Porch, Patio, Deck, Fre lace S etc. none Fire lace Patio -1,500 Fire lace Porch, Patio -3,000 Fire lace Patio -1,500 Fire lace Fence Pool etc. Net Ad'. total + - -30 500 + - -23 000 ~I + - -24 000 Adjusted Sales Price of Com arable $ 189 500 196 000 190 900 Comments on Sales Comparison (including the subject property's compatibility to the neighborhood, etc.): The closed sales displayed are considered to be the most com arable and the best indicators of value for the sub'ect ro ert .The com arables are iven a ual consideration. loll com arables are of similar desi nand utilit to the sub'ect ro ert .These com arables set the ran a of value for the sub'ect roe Gross livin area lot size ear built were obtained from Count tax assessment records and deemed as accurate. In the event it is determined that an of the information from ublic records is inaccurate we reserve the ri ht to review and or revise this re ort and conclusion of value stated within. ITEM SUBJECT COMPARABLE N0.1 COMPARABLE N0.2 COMPARABLE N0.3 Date, Price and Data Source, for prior sales within ear of a raisal No prior sales within the last 36 months No prior sales within the last 12 months No prior sales within the last 12 months No prior sales within the last 12 months Analysis of any current agreement of sale, option, or listing of subject property and analysis of any prior sales of subject and comparables within one year of the clate of appraisal: The sub'ect is not current) under contractor listed in the o en market. Neither the sub~ect or the com arables have transferred within the ast three ears. INDICATED VALUE BY SALES COMPARISON APPROACH .... . . . ..... . .... . .. . ..... . . . . . _ _ _ ... _ ... $ 190 000 INDICATED VALUE BY INCOME APPROACH if A licable Estimated Market Rent N/A Mo. x Gross Rent Multi lier N/A N/A This appraisal is made "as is" subject to the repairs, alterations, inspections or conditions listed below subject to completion per plans & specifications. Conditions of Appraisal: No warranty of this appraisal is given or implied. No liability is assumed for the structural and/or mechanical elements of the ro ert . Final Reconciliation: Greatest weight is given to the Sales Comparison Approach since it reflects the typical actions of buyers and sellers in the market lace. The purpose of this appraisal is to estimate the market value of the real property that is the subject of this report, based on the above conditions and the certification, contingent - and limiting conditions, and market value definition that are stated in the attached Freddie Mac Form 439/FNMA form 10046 (Revised 06/93 ). _ I (WE) ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE REAL PROPERTY THAT tiS THE SUBJECT OF THIS REPORT, AS OF 8/6/2009 _ (WHICH IS THE DATE OF INSPECTION AND THE EFFECTIVE DATE OF THIS REPORT) TO BE $ 190,000 APPRAISER: ~,, ~ ,~ SUPERVISORY APPRAISER (ONLY IF REQUIRED): Signature ~.~~ ~u-ti's.- ~...~'~t2Q.~,GMt Signature ^ Did ^ Did Not Name Mark A. Baron, Certified Residential R.E. Appraiser Name Inspect Property Date Report Signed August 18, 2010 Date Report Signed State Certification # RL139822 State PA State Certification # State Or State License # State Or State License # State ,,,....,., ~•~~~ ~ ~~~~~ ~ ~ w ~~ rhuc c ur c tannle Mae hOfm lUU4 6-93 Form UA2 - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Main File No.10081101M8~#~ UNIFORM RESIDENTIAL APPRAISAL REPORT MARKET DATA ANALYSIS I hese recent sales of properties are mast similar and proximate to subject and have been consi er In the market analyses. escnptlon Inc u es a o r a justment, re bng market reaction to those items of significant variation between the subJ'ect and comparable, properties. n a significant item in the comparable property is superior to, or more ~ favorable than, the subject property, a minus (-) adjustment is made, thus reducing the Indecated value of the subl'ect. If a significant Item in the comparable is inferior to, or less favorable than, the subject property, a plus (+) adjustment is made, thus increasing the indicated value of the subject. ITEM SUBJECT COMPARABLE N0. COMPARABLE N0. COMPARABLE N0. 421 Spring House Rd Address Cam Hill 3800 Conestoga Road Cam Hill PA 17011 401 Spring House Road Cam Hill PA 17011 434 Orrs Bridge Road Cam Hill PA 170'11 Proximi to Sub'ect 0.54 miles SE 0.05 miles S 0.09 miles NW Sales Price N/A 210 000 210 000 206 000 Pric Gross Livin Area ~ 107.80 ~ 104.37 ~ ~" 106.63 ~ Data and/or Verification Sources Inspection ublic record MLS #10169311 ublic record a ent MLS #10176349 ublic record a ent MLS #10164577 ublic record a ent VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad'ust. DESCRIPTION ~ + - $ Ad'ust. DESCRIPTION ~ + - $ Ad'ust. Sales or Financing Concessions ' Conv./DOM 126 Cls. Cost / Re air ; -2 715 Conv./DOM 46 Cls. Cost / Re air ; Conv./DOM 55 Cls. Cost / Re air ; -2 600 Date of Sal ime 2/13/2009 5/22/2009 8/29/2008 Location suburban suburban suburban suburbaNinferior +5 000 Leasehold Fee Sim le Fee Sim le Fee Sim le Fee Sim le Fee Sim le Site .28 acres .34 acre .29 acre .29 acre View Residential Residential Residential Residential Desi n and A eal Traditional Trad./Su erior -5 000 Trad./Su erior -2 000 Trad./Su erior -2 000 Dualit of Construction Avera a Avera a Avera a Avera e A e 40 44 40 36 Condition Avera e E ual Su erior -5 000 Su rior -12 000 Above Grade Total ~Bdrms~ Baths Total ~Bdrms~ Baths ~ Total ~Bdrms~ Baths ~ Total ~Bdrms~ Baths Room Count 8 ~ 4 ~ 1 F2H 7 ~ 3 ~ 2.5 ~ -2,500 8 ~ 4 ~ 2.5 ~ -2,500 7 ~ 3 ~ 2.5 ~ -2 500 Gross Livin Area 2 012 S . Ft. 1 948 S . Ft. ~ 2 012 S . Ft. ~ , 1 932 S . Ft. Basement & Finished Rooms Below Grade full, unfinished none equal,part.finish L . RR -6 000 equal,unfinished ~ none equal,unfinished none Functional Utili Avera a Avera a Avera a Avera e Heatin Conlin FWA as, CAC FWA as, CAC FWA as, CAC FWA as CAC Ever Efficient Items T ical T ical T ical T ical Gara Car art 2 car ara e 2 car ara e 2 car ara e 2 car ara e Porch, Patio, Deck, Fre laces etc. none Fire lace Patio Fire lace -1,500 Patio,Enc. Porch ~ Fire lace -4,000 Cov. Patio -2,000 Fire lace Fence Pool etc. Fenced -1 000 Fence -1 000 Net Ad'. total + I~ - ; -17 715 I-I + - -14 500 ~I + - -17 100 Adjusted Sales Price of Com arable 192 285 195 500 188 900 Date, Price and Data Source for prior sales within ear of a raisal No prior sales within the last 36 months No prior sales within the last 12 months No prior sales within the last 12 months No prior sales within the last 12 months Comments: nci vain ni wiyaia V-J.7 Form UA2.(AC) - "WinTOTAI' appraisal software by a la mode, inc. -1-800-ALAMODE Main file No. 10081101MB~~ UNIFORM RESIDENTIAL APPRAISAL REPORT MARKET DATA ANALYSIS These recent sales of properties are most similar and proximate to subject and have een consider in the ma et analysis. scnption inc u es a do r a justment, re cling market reaction to those items of significant variation between the subl'ect and comparable properties. ff a significant item m the comparable property is superior to, or more favorable than, the subject property, a minus (-) adjustment is made, thus reducing the indicated value of the subl'ect. If a significant item in the comparable is interior to, or less favorable than, the subject property, a plus (+) adjustment is made, thus increasing the indicated value of the subject. ITEM SUBJECT COMPARABLE N0. COMPARABLE N0. COMPARABLE N0. 421 Spring House Rd Address Cam Hill 3816 Carriage House Cam Hill PA 17011 302 Orrs Bridge Road Cam Hill PA 17011 Proximi t0 Sub'ect 0.46 miles SE 0.45 miles SE Sales Price N/A 200,000 189 900 Pric Gross Livin Area ~ 108.11 d~ 95.14 ~ ~ .. Data and/or Verification Sources Inspection ublic record MLS #10164206 ublic record a ent MLS #10175085 ublic record a ent VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad'ust. DESCRIPTION + - $ Ad'ust. DESCRIPTION ~ + - $ Ad'ust. Sales or Financing Concessions Conv./DOM 90 Cls. Cost / Re air ~ FHA / DOM 62 Cls. Cost / Re air ~ -5 000 Date of Sale ime 9/29/2008 6/2/2009 Location suburban suburban suburbaNinferior ~ +5 000 Leasehold Fee Sim le Fee Sim le Fee Sim le Fee Sim le Site .28 acres .36 acre .25 acre View Residential Residential Residential Desi n and A eal Traditional Trad./Su erior -1 000 Trad./Su erior -1 000 - Dualit of Construction Avera a Avera a Avera e A e 40 40 42 Condition Avera a Su erior -5,000 E ual Above Grade Total ~Bdrms~ Baths Total ~Bdrms~ Baths ~ Total ~Bdrms~ Baths Total ~Bdrms~ Baths Room Count 8 4~ 1 F2H 7 3 2.5 -2,500 7 3 2.5 -2,500 Gross Livin Area 2 012 S . Ft. 1 850 S . Ft. ~ 1 996 S . Ft. ~ S . ft. Basement & Finished Rooms Below Grade full, unfinished none equal,unfinished none equal,unfinished none functional Utili Avera a Avera a Avera e Heatin Conlin FWA as, CAC Hwtr, as/none +3 000 Hwtr as/none Ever Efficient ttems T ical T ical T ical Gara Car ort 2 car ara e 2 car ara e 2 car ara e Porch, Patio, Deck, Fire laces etc. none Fire lace Patio Fire lace -1,500 Porch, Patio Fire lace _ Fence Pool etc. Net Ad'. total + - -7 000 + - -3 500 + f-1 - Adjusted Sales Price of Com arable $ 193 000 186 400 Date, Price and Data Source for prior sales within ear of a raisal No prior sales within the last 36 months No prior sales within the last 12 months No prior sales within the last 12 months Comments: mainei uaia Hnarysis o-as Form UA2.(AC) - "WinTOTAI" appraisal software by a la mode, inc. -1-800-ALAMODE Comparable Photo Page Main File No. 10081111 MB Paae #9 Client Brian Jud e Pro a Address 421 S rin House Rd Ci Cam Hill Coun Cumberland State PA Zi Code 17011-1453 Client Brian Jud e Comparable 514 Spring House Road Prox. to Subject 0.44 miles N Sales Price 220,000 Gross Living Area 2,030 Total Rooms 7 Total6edrooms 3 Total Bathrooms 2.5 Location suburban View Residential Site .35 acre Quality Average Age 36 Comparable 2 540 Orrs Bridge Road Prox. to Subject 0.47 miles NW Sales Price 219,000 Gross Living Area 1,924 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 2.5 Location suburbaNinferior View Residential Site .23 acre Duality Average Age 32 Comparable 3 3608 Kent Drive Prox. to Subject 0.89 miles N Sales Price 214,900 Gross Living Area 2,091 Total Rooms 8 Total Bedrooms 4 Total Bathrooms 2.5 Location suburban View Residential Site .23 acre Duality Average Age 30 Form PICPU(.CR -'WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE Comparable Photo Page Main File No.1008110'IMB Paae #10 Client Brian Jud e Pro a Address 421 S rin House Rd Ci Cam Hill Coun Cumberland State PA r Code 17011-1453 Client Brian Jud e Comparable 4 3800 Conestoga Road Prox. t0 Subject 0.54 miles SE Sales Price 210,000 Gross Living Area 1,948 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 2.5 Location suburban View Residential Site .34 acre Duality Average Age 44 Comparable 5 401 Spring House Road Prox. to Subject 0.05 miles S Sales Price 210,000 Gross Living Area 2,012 Total Rooms 8 Total Bedrooms 4 Total Bathrooms 2.5 Location suburban View Residential Site .29 acre Duality Average Age 40 Comparable 6 434 Orrs Bridge Road Prox. to Subject 0.09 miles NW Sales Price 206,000 Gross Living Area 1,932 Total Rooms 7 Total Bedrooms 3 Totaf Bathrooms 2.5 Location suburbanlinferior View Residential Site .29 acre Duality Average Age 36 Form PICPU(.CR -'WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Comparable Photo Page Main File No. 10081101M6 P~ aae #~ Client Brian Jud e Pro ert Address 421 S rin House Rd Ci Cam Hill Coun Cumberland State PA Zi Code 17011-1453 Client Brian Jud e Comparable 7 ?. ' j. ~, ~. ti '~ r ~ ~ 1 s ,,,,~ ,~ 3 ~ `~ '. ~..~ w :rr rr~A731 c~i...w«.«,w .I IL..: , .. wr +M Mw ww ~ r ,a, . s?. .~>: ~., .~ k. a.~. ..; ,,~~.r<, 3816 Carriage House Prox. to Subject 0.46 miles SE Sales Price 200,000 Gross Living Area 1,850 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 2.5 Location suburban View Residential Site .36 acre Quality Average Age 40 Comparable 8 302 Orrs Bridge Road Prox. to Subject 0.45 miles SE Sales Price 189,900 Gross Living Area 1,996 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 2.5 Location suburbaNinferior dew Residential Site .25 acre Duality Average Age a2 Comparable 9 Prox. to Subject Sales Price Gross Living Area Total Rooms Total Bedrooms Total Bathrooms Location View Site Duality Age Form PICPIX.CR - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Imam File No. 1008110' MB P #12 Supplemental Addendum File No.lnnR'11n1MR Client Brian Jud e Pro a Address 421 S rin House Rd Cit Cam Hill Coun Cumberland State PA Zi Cade 17011-1453 Client Brian Jud e • URAR :Improvements -Condition of the Property There is no economic or functional obsolescence. There are no physical inadequacies and only minor repairs are required. The quality of construction is rated as average. The roof appears to be in fair condition and will need to be replaced within the near future. Much of the carpet and vinyl floor cover is dated and worn. The subject shows a newer front door and screen, newer gas forced air unit and double hung vinyl replacement windows. Curb appeal can be accomplished by re-painting and/or attention to the landscaping. • URAR :Adverse Environmental Conditions There are no known or apparent adverse environmental conditions that would negatively impact on the sale of the property. The appraiser has not been informed, nor has the appraiser any knowledge of the existence of any environmental or health impediment, which if known, could have a negative impact on the market value of the subject property. The valuation cc-ntained herein is not valid if any hazardous items are found in the subject property and stated within the appraisal report, includiing but not limited to: Ureaformaldehyde foam insulation, Radon Gas, Asbestos Products, Lead or Lead Based Products, Toxic Contaminants. • URAR :Adverse Environmental Conditions The subject is of an age where lead based paint may be present. The market does not penalize the property, however, the client should be advised of its possible existence. It is assumed that lead based paint is not present. If the client has a concern then a qualified expert in this field should be contacted to inspect the subject property. • URAR • Sales Comparison Analysis - Summary of Sales Comparison Approach Gross living area and tax assessment information for comparables was obtained from County Tax Assessment Records. All sales are considered to be reliable indicators of value, and are weighted similarly in the final reconciliation. Appropriate adjustments have been made for all differences. Comparable sales are all closed sales. It is noted that the sales chosen are considered to be the best available. All comparable sales are located in the same market area as the subject property .and would be considered by the same perspective purchaser. Comparable #1-adjusted for superior curb appeal and condition; kitchen and bath. Comparable #2 -adjusted for superior curb appeal and condition; kitchen and bathrooms, adjusted for inferior location Orrs Bridge (high volume traffic). Comparable #3 -adjusted for superior curb appeal and condition; kitchen and bath. Comparable #4 -adjusted for superior curb appeal and large finished basement area. Comparable #5 -adjusted for superior curb appeal and condition. Comparable #ti- adjusted for superior curb appeal and condition; kitchen and bathrooms, adjusted for inferior location Orrs Bridge (high volume traffic). Comparable #7 - adjusted for superior curb appeal and condition. Comparable #8 -adjusted for superior curb appeal, adjusted for inferior location Orrs Bridge (high volume traffic). SCOPE OF WORK: Observation of the exterior and walk through observation of the interior of the property. Measuring the exterior of the dwelling. Review of the County Public Record data and Multi-List, Inc. records. Review the county tax map online information, county tax map, zoning, and FEMA flood maps. Verifying, the comparable sales with broker, agent, seller or buyer. URAR :Digital Signatures The digital signature used on this report is an exact replica of the appraiser's actual signature. The digital signature has not been altered and is downloaded from the program by the appraiser. The digital signature is password protected to avoid improper usage. The digital signature should be considered equal to an original signature of the appraiser. DEFINITION OF MARKET VALUE The definition of Market Value "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 (F=DIC), the Office of Thrift Supervision (OTS), 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. SPECIAL LIMITING CONDITIONS: This appraisal is not a home inspection and the appraiser is not acting as a home inspector when preparing the report. -fhe client has the right to have the home inspected by a professional home inspector. When performing the inspection of this property, the appraiser visually observed areas that were readily accessible. The appraiser is not required to disturb or rnove anything that obstructs access or visibility. The inspection is not technically exhaustive. The inspection does not offer warranties or guarantees of any kind. The appraiser is not a home or environmental inspector. The appraiser provides an opinion of value. The appraisal does not guarantee that the property is free of defects or environmental problems. The appraiser performs an inspection of visible: and accessible areas only. A professional home inspection or environmental inspection is recommended should the client have a concern. Form TADD - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Main File No. 10081101M6 Paae #13 Supplemental Addendum File Nn 1nnR11n'l1UR Client Brian Jud e Pro ert Adtlress 421 S rin House Rd Ci Cam Hill Coun Cumberland State PA Zi Code 17011-1453 Client Brian Jud e Su~alemental Certifications: I certify that, This SUMMARY APPRAISAL REPORT was prepared by Mark A. Baron , PA Certified Residential Real Estate Appraiser for the exclusive use of Brian Judge (intended user/client). The intended use of this appraisal report is to evalluate the property, that is the subject of this appraisal for estate purposes, subject to the stated Scope of Work ,intended use/purpose of the appraisal, reporting requirements of this appraisal report form, and Definition of Market Value. The opinion of Market Value stated within this appraisal assignment was prepared for afederally-related mortgage loan purpose and is in conformance with the requirements of Title XI of the Federal Financial Institutions Reform, Recovery & Enforcement Act of 1989 (FIRREA), the Uniform Standards of Professional Appraisal Practice (USPAP), the: Secondary Market and Valuation Support Services. Estimated market value is the most probable price in terms of cash or in terms of financial arrangements equivalent to cash. The information and opinions contained in this appraisal set forth the appraiser's best judgment in light of the information available at the time of the preparation of this report. Any use of this appraisal by any other person or entity, or any reliance or decisions based on this appraisal are at the sole responsibility and at the sole risk of the third party. I accept no responsibility for damages suffered by any third party, as a result of reliance on or decisions made or actions taken based on this report. In my opinion, the reasonable exposure time linked to the value opinion is 120+ days. I further certify that, to the best of my knowledge and belief: The statements of fact contained in this report are true and correct. The reported analyses, opinions, and 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 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 Standard of Professional Appraisal Practice. Mark A. Baron has not performed any services regarding and/or pertaining to the subject property within the past three years. Mark A. Baron has made a personal inspection of the property that is the subject of this report. Mark A. Baron PA Certified Residential Real Estate Appraiser Certification # RL139822 Expiration June 30, 2011 Form TADD - "WinTOTAL"appraisal software by a la mode, inc. -1-800-ALAMODE Main File No. 10081101MB Paae #14 DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. ImpNr;it in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he considers his own best interest; (3) a reasonable time is albwed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. * Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the: comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the; property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgement. STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATIONI CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is subject to the folbwing conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of it being under responsible ownership. 2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available food 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 slte makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand. 5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if they are so used. 6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, the presence of hazardous was~ies, to>ac substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the normal research irnolved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any bidden or unapparent conditions of the pn~perty or adverse environmental conditions (including the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied, regarding the condition of the props°rty. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment of the property. 7. The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that he or she considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such items that were furnished by other parties. 8. The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional Appraisal Practice. 9. The appraiser has based his or her appraisal report and valuation conclusion far an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that completion of the improvements will be performed in a workmanlike manner. 10. The appraiser must provide his or her prior written consent before the lender/client specified in the appraisal report can distribute the appraisal report (including conclusions about the property value, the appraiser's identity and professional designations, and references to any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the mortgagee or its successors and assigns; the mortgage insurer; consultants; professional appraisal organizations; any state or federally approved financial institution; or any department, agency, or instrumentality of the United States or any state or the District of Columbia; except that the lender/client may distribute the property description section of the report onty to data collection or reporting service(s) without having to obtain the appraiser's prior written consent. The appraiser's written consent and approval must also be obtained before the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media. Freddie Mac Form 439 6-93 Page 1 of 2 Fannie Mae Form 10(148 6-93 Real Estate Appraisals (717) 315-7032 Form ACR - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Main File No.10081101M6 P~ aae #1~ APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have researched the subject market area and have selected a minimum of three recent sales of prop ties most similar and proximate to the subject property for consideration in the sales comparison analysis and have made a dollar adjustment when appropriate to reflect the market reaction to those items of significant variation. ff a significant item in a comparable property is superior to, or more favorable than, the subject property, I have made a negative adjustment to reduce the adjusted sales price of the comparable and, if a significant item in a comparable property is inferior to, or less favorable than the subject property, I have made a positive adjustment to increase the adjusted sales price of the comparable. 2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the appraisal report. I have not knowingly withheld any significant information from the appraisal report and I believe, to the best of my knowledge, that all statements and information in the appraisal report are true and correct. 3. I stated in the appraisal report only my awn personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the contingent and limiting conditions specified in this form. 4. I have no present or prospective interest in the property that is the subject to this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or the estimate of market value in the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property. 5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my compensation for performing this appraisal is contingent on the appraised value of the property. 6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party, the amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my compensation and/or empoyment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation, a specific valuation, or the need to approve a specific mortgage loan. 7. I performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the effective date of this appraisal, with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable time for exposure in the open market is a condition in the definition of market value and the estimate I developed is consistent with the marketing time noted in the neighborhood section of this report, unless I have otherwise stated in the reconciliation section. 8. I have personally inspected the interior and exterior areas of the subject property and the exterior of all properties listed as comparables in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject improvements, on the subject site, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustments for these adverse conditions in my analysis of the property value to the Extent that I had market evidence to support them. I have also commented about the effect of the adverse conditions on the marketability of the subject property. 9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on significant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal report, I have named such individual(s) and disclosed the specific tasks performed by them in the reconciliation section of this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in the report; therefore, if an unauthorized change is made to the appraisal report, I will take no responsibility for it. SUPERVISORY APPRAISER'S CERTIFICATION: Ii a supervisory appraiser signed the appraisal report, he or she certifies and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking full responsibility for the appraisal and the appraisal report. ADDRESS OF PROPERTY APPRAISED: 421 Spring House Rd, Camp Hill PA 17011-1453 APPRAISER: /f SUPERVISORY APPRAISER (only if requireid): Signature: 1V. ~ Signature: Name: Mark A. Baron, Certified Residential R.E. Appraiser Name: Date Signed: August 18, 2010 Date Signed: State Certification #: RL139822 State Certification #: or State License #: or State License #: State: PA State: Expiration Date of Certification or License: 6/30/2011 Expiration Date of Certification or License: ^ Did ^ Did Not Inspect Property Freddie Mac Form 439 6-93 Page 2 of 2 Fannie Mae Form 101kB 6-93 Form ACR - "WinTOTAL"appraisal software by a la mode, inc. -1-800-ALAMODE Main file No. 100$1101M6 P q~#1 Building Sketch Client Brian Jud e Pro Address 421 S ri House Rd Cit Cam Hill Coun Cumberland State PA Zi Code 17011-1453 Client Brian Jud e 31.0' 31.0' 13.0' o N Powder Laundry 20.0' Dining Room Kitchen 0 o ~ N N O Family Garage N Living Room Fo ~ Room Y 44.0' 20.0' Bedroom Bedroom Bath , 0 ao Bedroom Master Bedroom powder 31.0' ~ro~.~ Comments: AREA CALCULATIONS SUMMARY Gode l>escriplion Nef Size Net Totals GI.Al First Floor 1144.0 1144.0 GLA2 Sacond Floor 868.0 868.0 GAR Garage 440.0 440.0 Net LIVABLE Area (Rounded) 2012 LIVING. AREA BREAKDOWN tl-eakdown Subtotals First Floor 13.0 x 26.0 338.0 26.0 x 31.0 806.0 Second Flooz 2.0 x 31.0 62.0 26.0 x 31.0 806.0 4ltems (Rounded) 20'12 Form SKT.BIdSkI - "WinTOTAL" appraisa{ software by a 1a mode, inc. -1-ti00-ALAMODE Copy of the Deed -Page 1 Main File No. 10081101 MB Paae #17 ~(~S z11:tT---Ik.a !rom [sroentNn w FWiv4'ua1 a Cotp., Auu•~fa kc-. . ', H.Hri /txlf. 7p,.. IWt:,n.,. rs r ~~ ~~~~ ~ CG~C ~ ~' ~:> !kfADF.' Tli~ ~ ~ t< day t:l (./s" Jv d o •- in lA,: Yesrr ~; of our Lord one fhottsastd nine Aurtdr[d sixty-n.ine (1969} s i i liF1'IVF.ST' KP,EL1rY REALTY, 1NC„ a Fennay:lvania Corporation, with ita 1 principal place oi' business in the Borough of Caap Rii1, County of CuelUer2nnc! and State of Pennsylvania, Grantor ' I and party of the firax part, ' IL'V17 ~' .~ & i u 4 ~. ~471LLIMi ft, ~L'cJCB:nd BEVERLY A, NDG$, his wife, Grantaec „ ~ti- and panties of tho second part. i ~ ~ -Y ~ , M , _ y ~ t - . y ! ~ u E ' + r t~ tVIT.~4rF.SSETII, that the, said party of tho first part r~ 3 ~~ - - , THOISANt) RIVE FtUttDRL`D >ssidsnstiox of eke snn: of Yt+*R1'Y 7HFEB ($33, St)O.OO} DOLLAR' fnr a:ut in r i - - - - + .F a j k:tojt:t :xoney of tAe ir:llled States o/ Ar*!rricxz, onto it toet! an.r tncr?, 7rri,l t+y ~" tnemzid parties aP the second part ~ at ar„?. Aelarc tAe sitsriny uncl detirr+7! of !hc•,n t,rc .rents, ~~ ~ th reei:¢;~t tvkcreu( fa hrsrb?! ackrou;fcdacd, has grantrft, 6arprtinert, sotd, attrcrd Ca/eu17cd, r~e- ' !a , t-,rieaxr need irasrt rn~t con~nned, >txrL G;t tUese t5rC6¢:it4 rioev yrnnt, farrtnru, rctt, a,'rrn, anj,.a~ E ,- i C')n,fir7:d 7tRLC~ tt,C said partivs of the aertxid part, n teal us+ir . E ' y x. Yheir hvira s ALL THAT CEPTAIN lUt of lanai situate in Hanpden Township, 41+aDerland County, ; tr~ r Fennsylvvsia, •ore particularly described a+ follows, to wits t>E'iGTNN1Nr, at a point on the western line of Spring fiouae Road, which paint E ` ~ is the line dividing Lots No, 9 and 10 on the hereinafte.c soeniioned Flan of Lots= shenco alone! the said lino south 73 degrees 3S minutoa »cat, ~ ~ One Hundred 11Nenty Five and 5¢venteun Cme-ltundre<itRs (125.1} feet to a - point; thence north r3 declre¢s 24 minutes west, Una Hundred and Paurteen One-FJundredths (100.1d} feat to a paint on the line dividing iots No. 1.0 rr ;and 11; thence alonry. the said li,na Werth 7~ de!lreos 35 ainutos oast, Ono FF ~i~i °S a Hundred Nineteen. and Ninet Cn,r-1Asndrewths Y ' (114.90} feet to a point on tRe ~` 4 6 l we:tern line a1 Sprir~ fbuse Road; thence along Spring douse Etoad aauth ~` lt; degrees: 25 minutes east One Hundred (i00} feet to a point, the place of r~ G'e9inning, } F3F.:ING all of IAt N 10, Black N, Flan 11, Fino Brook, whicA Plan is recordaA .k t3 in iris Cuab~:rland County Re<;ordcz's Offa.ce in Flan Book ?A, Page 89, ,- ! f" i;; IiAVI:tG IIitRGC;,Y EStf•,C2t0 a dwelling 'rnawn anti numtx:reci as A21 Spri.n<y tkau,o Rnad, ~~ i SfiING the same premises ahich Capin Hill [tuiidora, Inc., a Ftannsylvania Corporation, Uy their deed dated Ffay. 2.3, 1969 anei recorded in the Cur.:t,erland County Recorder's Office in Dee.::3ook F, Val. 23, Fage 592, granted and 5't ::.f , conveyed unto Xeeley Realty, i'nc,, Grantor herein, j ' t iTNnER kND SiliiJ$CT, tiEVoRTHELESS, Le conditions, restrictions, easements and i i rights-of-way of record. .~, ,,, E ~, i~ , , r. jj rt > ~j'^f h 'dr ~ ,,~}~ ~~ ~` j ,;, , y.u, f , ~!,N fr ~ w - .. .f_{.XLLt~^ ` I ~`-t; ,~ ' ` J~ilua{ Dist. 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A,; L.~ ; a S^ ) t i CY`,I ~!Iy j4 ' T..~w-.......~.q ~~i.~~ .i ,t aC.. r, uFYC~~R Mi I t i S +r--+r+ +~~rf~'I~a._ : . ~~`l form SCNLGL - •WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE Copy of the Deed -Page 2 Main file No. 10081101M8 Paae #18 TtX;1:TXEIt udtk art cad rrnQutar wayr, uatcr~, u!atsr.eourrss, ripAta, tibsrtiss, privitepes, ArrCrtita~n.!nts and appurtennnccs wkatanerorr tAereundo bctonpinp, yr in anywise agpertaininp, and tkc rrverriuna axd rcmaindcn, nnta, issue and grohts tksreo/; and art tks tetats, ripkt, tidte, in- trrrst, progtrty, etaim a~vl demand wkatsoertr, of in taw, equily, or otksrmise A.owsoevcr, af, in axd to tke saws and wary part tkarra/, - TO NAti'F, AND TO IIQLD tkt said Aercditamenp and grcmiaes ksrsby prn»ted or mtlntH/nR[t afid i#teieiCd ao to bG, uritA ikc atrpnrtcnawrss, unto tkc said p++ztits of the stcond part, their heirs and aasittx+, t4 a»d for tAr only propsr ase and bekoof aj the enid ~artits o! tht socond part, their hairs and asaipna Jorswsr. ya; `,:ti't' ~~ fi ~ s c "~r~r, 4 ~{•~ And the said praetor Aereby cavenanta nxd aprtu tkal it u+iU uwr+nat yenaraily aka property tiereDt/ eonvsysd. r Tkc party of the first part dotA kareby conatilulc and appaint ts, p, Ke~l,ey President of KRt14y Rtalty, i to be itg attorxsy far it, and in iE.r »amo and as a»d jor ila enrtmrats aot and dsed to aokuo:ute~fpe ~ tkiY Decd bofore any gsrran Ao.n{np autAarity 6Y tAa tauv of tkr. Co+n"»oxu~tattk of Pcnnryrc~aniee ,~ to takr. reek ackxawdedpmsnt, to the intent tAat iks same mad be duty retordcd. `j IN WITNESS F4'tlEREQP tks seat ~ gaay of the first art kaa aarasedPthis tndsature to be aiyncd in itt torgorata Warns by tts t'rerfdent, and Aaa cawed to be alltzsd Asraunto tks cmnmo» and cor- garate scat of tAe said eorNarretiea, atteate<i by iGt 5ecrstary, tAs day and year (first atxn:r, written, t ~ f ~ ~) ...•..~. ~~ ..t~.w•. ~ .~r~.~....,.......... ......................... t> ~ (1 drat. ~tt.at: (~ $e~tary ~. ~. ~ Y ~~ A ,~t'. ~' r farm SCNLGL - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Main File No 10081101 M P # Copy of the Deed -Page 3 i R<>suincd tic rlay of tAa rlott r1 tir¢ erLatc Guirnturc of the above nanecrl F State of PBHINSYLVA,*/TA A8. Cos<nty o1 Ct~dASRU+h'D 1 t Ox thv, tlt.e ~' f `~ / iF dap o/ t~ c ~ ~ H s / , 79 49 . he/nr,; vr, , the nhtl~rslrrsterl n~err, flersvnntl;,, atrpcarrd• W, R. Keeley, Yreaf.dant of Keeley kaalty, Inc, knqu.a.ty,nie !or xatztJartority p,rnvexl t~ lrr Ule ~ie•r&rxn uf2n is th« aUarney ttaxerd in tkr• /r r~ rJniity rxlei+~t kGt~ ~yrzlozclydyrrl that Iro rxrczrl.vl t,#r yrzr+:e r.,y !Fe as[ o! hLa priuc~Pal for tk.~ l r lxrs<~~ ~~~~•il rr.esi ~TSztnarirrl i ~~ , mfr Vu teatsrr'.~,urherrNif, t "ercaatu srt nr f huz:r! and u$iract a+;+t{. y, ~, 5 ~•?'~' ".1 r. idtfAi K~Rf, IfOttA( t~lISE r'~o, .~ liyLwirN3s;tr,Gcp;e~~, Url917 Tftte p( (lfiir~.r. ' I C'FKTI~lC'.t rE nh r~~:stpE,<.t,~ ' - ~ .. do hcre<by eertiJy ikat tk; tzrecira rritr>:cc anri ron:ntrte /cost vb~er 4ei,trras rJ tltc tuitrvn+urrnedpi'a»tec .s cal t S~r.;,S lu~r" ~`co d DC~--~,t ~~ /~ /"',; i~°¢ I t~~~ .. ... .. ............~Nt"r r.. L r ~, i S ~ M t~ ~ o V N j j~ .~ ijL' A O I v ~~ ~: ~ ~ A ~~ ~~ , ~ a > c r~ a r a " ~ &~ ! ~ ~ r `~ r. j~3 R 3 ~ >~ 1? 1 Stott Of ._..... ..r.f aZs:*:~~G'.?r'r. Y'7L.aaf,^cr~>1 ./ ~, L ~, I rk:corcn~.n a,a u,a........a2Q.":7c-rr~of~;,~-C.1~~1~~__._ /~ A. P.. t4N.,'} , in tt<c l:rr,;rrier's tJfjire o/ sail ea,rnt;/, in I)trd I:oc>•` ~'r ~) f `r ~J tfit-rn xnder any k,rkrt and E~ x I uJ toiet oq' 'ac dare ab,ree x ±ttrzc, ~u'~~3Pt;f i~;Jt~ I Form SCNLGL - "WinTOTAL` appraisal software by a la mode, inc. -1-800-AtAMODE Location Map Main File No. 10081101 MB P # Client Brian Jud e Pro a Address 421 S rin House Rd Ci Cam Hill Coun Cumberland State PA Zi Cade 17011-•1453 Client Brian Jud e t~ '~+ ¢. J U? ~. ~: {< ~~ ,,. ~} FF~xzs~'~~~f j!. ~i Y~rc'j~( 6R ~" ~:§u ~<l r `~ `~. w:;4 ~ `k. •; ' !' ~. ..... .. ...... ...~.. ..,.. ...., ...,.,..... ... ...- ,w ~~ r d. ~.. ~ ~ - ~. .~ $~ t ,.. tlM W: ~ iY. t-,r t^, ,~ " ;~ LJ.. 7y.~. ~Lt `.h ;.l ~° 4 f. ~. °; ~~ Tyr is i'~.. ~i:z „N'°~e9I !~'esu q.:. T ~' ~ ~". ~ £M' f~'. "nit ~ ~ ~ _ n to a. ~ ~r t"~Y ~ s ~ x ~Y ~ j,yi.,r~ ~ it<~:., 'L ' N e~~ t? :-. t rt• Form MAP.LOC - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE