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12-21-10
1505610140 REV-~ goo EX (ot-t0) OFFICIAL USE ONLY PA Department of Revenue Coun Code Year File Number Bureau of Individual Taxes INHERITANCE TAX RETURN ry PO BOX 280641 2 1 ], D 0 2 7 6 Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY L 6 2 2 2 1 5 0 5 0 3 1 7 2 0 1 0 1 2 1 0 1 9 2 0 Decedent's Last Name Suff+x Decedent's First Name MI N E I S H V E R A 8 A K ~1 F (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 8E FfLED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVAL5 BELOW 1. Original Return ; ~ 2. Supplemental Return ~ 3. Remainder Return (date of death prior to 12-13-82) 4. Limited Estate ~ 4a. Future Interest Compromise (date of ~ 5. Federal Estate Tax Return Required death after 12-12-82) [X~ 6. Decedent Died Testate ~ 7. Decedent Maintained a Living Trust 8. Total Number of ;;afe 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. 0) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED T0: Name Daytime Telephone Number D A V I D H S T O N E E S Q U I R E First line of address 4 1 4 B R I D G E S T R E E T Second line of address City or Post Office N E W C U M B E R L A N D r.. ~__ REGISTER OF ILLS USE ONL ~ ~ `l1 ! ~ I EX.f '~ ~ rT`t -:C ~i i ~~ ~ , :~ v7 ~ -~- ~~7Q ~ f ~ ~ ~~ DA fCE:'~ ~ • i State ZIP Code ~ _.._. __ .. _ _.. --..._. _ __...._ _ __ f P A 1 7 D 7 0 ~`' Correspondent's a-mail address: D S T O N E u9 S T O N E L A W• N E T -, _ Under penalties of perju , I d re that I ha~ examined this return, including accflmpanying schedules and statements, and to the best of my knowledge and belief, it is true and ple eclara preparer other than the personal representative is based on all information of which preparer has any knowledge. SI ATURE P SQAr' SPO I LE FOR LING RETURN DALE / ~- // / 1 • Ar~DRESS l ~~ 461 L Y DRIVE SAN JOSE CA 951203802 iGNAT EP R N REPRESENTATIVE DATE ,, ~~ _~.,~ ~. ti 1 414 BRIDGE STREET NEW CUMBERLAND PA I-707D PLEA5E USE ORtGtNAL FORM ONLY Side 1 1505610140 7,505610],40 ~..-? r: c: ,:.: ~,.~~ `~3 Q _.r,3 ~~~ J 1,50561,0240 REV-1500 EX Decedent's Social Security Number Decedent's Name: V E R A B AKA F N E I S H 1, 6 2 2 2 1 5 0 5 RECAPITULATION 1. Real Estate (Schedule A} .................................... . ...... 1. 1, 1 6 0 0 0 . 0 0 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. 4 5 2 0 • 7 5 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested ... .... 6. 3 3 4 1 0 6 . 6 3 7. Inter-Vivos Transfers 8~ Miscellaneous Nan-Probate Property (Schedule G) U S Billi t R d epara e ng equeste ... .... 7. 8. Total Gross Assets (total Lines 1 through 7) ........................... 8. 4 5 4 6 2 ? . 3 8 9. Funeral Expenses and Administrative Costs (Schedule H) .............. .... 9. 2 4 4 4 1 . 2 3 10. Debts of Decedent, Mortgage Liabilities, and Liens (Schedule I) ......... .... 10. ~ 9 3 . 4 8 11. Total Deductions (total Lines 9 and 10) ........................... .... 11. 2 5 2 3 4 . ? L 12. Net Value of Estate (Line 8 minus Line 11) ........................ .... 12. 4 2 9 3 9 2 . 6 7 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. 4 2 9 3 9 2 . 6 ? TAX CALCULATION -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. 0. 0 0 16. Amount of Line 14 taxable at lineal rate X .045 4 2 9 3 9 2. 6 ? 1s. 1 9 3 2 2. 6 7 17. Amount of Line 14 taxable at sibling rate X .12 0 0 0 17. Q• Q Q 18. Amount of Line 14 taxable at collateral rate X .15 0 0 0 18. 0• [] 0 19. TAX DUE .................................................. .... 19. 1, 9 3 2 2 • 6 ? 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Side 2 150561,0240 1,50561,0240 J REV-1500 EX Page 3 File Number Decedent's Complete Address: ], 0 0 2 7 6 DECEDENT'S NAME VERA B AKA F NEISH _. STREET ADDRESS ;431 CIARKET STREET CITY ~ STATE i ZIP _ - NEW CUMBERLAND PA ;1,7070 Tax Payments and Credits: ~. Tax Due (Page 2, Line 19) 2. Credits/Payments A. Prior Payments B. Discount 28, 000.00 966.1,3 1,9,322.67 Total Credits (A + B) (2) 2 8 , 9 6 6.13 (3) (4) 9,643.46 (5) 0.O D 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. 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 : ...................................................................... ^ XQ b, retain the right to designate who shall use the property transferred or its income; ............................... ^ XQ c, retain a reversionary interest; or ................................................................................................ ^ d, receive the promise for life of either payments, benefits or care? ....................................................... ^ ^X 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? ....................................................................................... ^ XC~ 3. Did decedent own an "in trust for" orpayable-upon-death bank account or security at his or her death? ......... ^ XQ 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 Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse 3 percent [72 P.S. §9116 (a) (1.1) (i)J. 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. §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 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. §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. §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 12 percent [72 P.S. §9116(a)(1,3)). Asibling is defined, undE Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. REV-1511 EX+ (10-09) pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER VERA B AKA F NEISH 21 1,0 0276 Decedent's debts must be reported on Schedule 1. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. Stone & Murray Funeral Home-funeral expenses 4,528.00 B ADMINISTRATIVE COSTS: Personal Representative Commissions: Name(s) of Personal Representative(s) Street Address City State ZIP 2 3 4 Year(s) Commission Paid: AttomeyFees: DaVld H • Stone, Esquire 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 Probate Fees: Cumberland County Reg of Wills 577.5D 5 Accountant Fees: 6. Tax Return Preparer Fees: 7. Foremost Insurance-property insurance 2,1,08.00 2• Mark Knolls-maintenance on property 800.00 3• Robin Gasperetti-tax collector-property taxes 936.1,9 4• Register of Wills-short certificate 4.00 5• Cumberland Law Journal-adv grant of letters 75.00 6• The Patriot News Co--adv grant of letters 187.54 7• Register of Wills-filing Inh Tax Return & Inv 25.00 8• Reserve for closing expenses 200.00 TOTAL. (Also enter on Line 9, Recapitulation) $ 2 4 , 4 41, . 2 ~ 15,000.00 If more space is needed, use additional sheets of paper of the same size. REV-1512 EX+ (12-08) pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULEI DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS ESTATE OF FILE NUMBER VERA 8 AKA F NEISH 21 10 0276 Report debts incurred by the 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. Robin Gasperetti-tax collector-property taxes due 600.78 2• Claremont Nursing & Rehab-therapy services 192•?D TOTAL (Also enter on Line 10, Recapitulation) L $ 7 9 3 • 4 8 If more space is needed, insert additional sheets of the same size. REV-1513 EX+ (01-10) ESTATE OF pennsylvania ~ SCHEDULE J DEPARTMENT OF REVENUE BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT FILE NUMBER: VERA B AKA F NEISH 21 10 0276 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s~ OF ESTATE I TAXABLE DISTRIBUTIONS [Include outright spousal distributions and transfers under Sec. 9116 (a) (1.2].] 1. LEE S NEISH 1,OOi RESIDUE Lineal 429,392.67 1461 ALMADEN VALLEY DRIVE SAN JOSE, CA 95120 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 T HROUGH 18 OF REV-1500 COVER S HEET, AS APPROPRIATE. Ij, NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECT{ON 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: TOTAL OF PART 1[ -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. ~ivv~ a. ~iwvi: «_~_.^__- ATTORNEYS AT LAW 414 BRIDGE STREET NRW CUMB)CRLANI). PA 1^.'0.0 LAST WILL AND TESTAMENT OF VERA B. NEISH, also known as VERA F. NEISH I, VERA B. NEISH, also known as VERA F. NEISH, of the Borough of New Cumberland, County of Cumberland, and Con:unon- wealth of Pennsylvania., declare this to be my last will and revoke any will previously made by me. :ITEM I: I devise and bequeath all of my estate, real and personal, of every nature and wherever situate, to my husband, LEE D. NEISH, if he survives me by thirty (30~ days. ITEM II: Should my husband fail to survive me by thirty (30} days, I devise and bequeath all of my estate, real and personal, of every nature and wherever situate, to my son, LEE S. NEISH, or to his issue, per stirpes. Should my husband and son fail to survive me by thirty days (30} and should my son leave no issue, I give, devise and bequeath all of m:y estate, real and personal, of every nature and wherever situ- ate, as follows: i~ A. One-half to the Fire Department of tlae -~ Borough of New Cumberland, County of Cumberland, and Conunon- i; i) wealth of Pennsylvania. ,~ ~~ B. The remaining one-half to the New Cumber- "~! land Library and Cultural Foundation, if it has been approved by the Internal Revenue Service as a "501 (C} (3) Corporation" ,, ~,'; -1- I ~~ I' l and if not, directly to the public library of the Borough of New Cumberland, Cumberland County, Pennsylvania. ITEM III: I appoint my Executor and his successors of any property which passes either under this will or other- wise to a minor and with respect to which I am authorized to appoint a guardian and have not otherwise specifically done so, provided that this. appointment of a guardian shall not super- sede the right of the fiduciary in its discretion to distribute a share where possible to the minor or to another for the minor's benefit. Such guardian shall have the power to use principal as well as income from time to time for the minor's support and education (including college education, both graduate and undergraduates without regard to his or her parent's ability to provide for such support and education, or to make payment for these purposes, without further responsi- bility, to the minor or to the minor's parent or to any person taking care of the minor. STEM IV: I appoint~my husband, LEE D. NEISH, Execu- tor of this my last will. Should my husband fail to qualify or cease to act as Executor, I appoint my son, LEE S. NEISH, Executor of this my last will. Should both my husband and son fail to qualify or cease to act as Executor of this my last -2- will, I appoint my son's wife, JOANNE NEISH, Executrix of this my last will. ITEM V: I direct that my Executor, Guardian and their successors shall not be required to give bond for the faithful performance of their duties in any jurisdiction. IN WITNESS WHEREOF, I, VERA B. NEISH, also known as VER.A F. NEISH, have hereunto set~my hand and seal this day of 1991. ~,~/ ~ r~ ~~~ VERA B. NEISH, / t/~.~I.Q~ l`~ also known as VERA F. NEISH SIGNED, SEALED, PUBLISHED and DECLARED by VERA B. NEISH, also known as VERA F. NEISH, the Testatrix above nameci, as and for her Last Will and Testament, and in the presence of us, who at her request, in her presence and in the presence of each other have subscribed our names as witnesses. Witness Address w _ J - ~ 1 ~i~ Wi_tness Address -3- I, VERA B. NEISH, also known as VERA F. NEISH, the Testatrix whose name is instrument, having been hereby acknowledge that as my last will; that I it as my free and volun~ contained. VERA B. NEISH, C% -~ d~i~~ also known as VERA F. NEISH Sworn to or affirmed to and acknowledged before me by VERA B. NEISH, also known as VER.A F. NEISH, the Testatrix, this C~+~ da of S ~ 19 91. r1____ Y ~ Notary Pub ic. ,r.-- NOTARIAL SEAL CONSTANCE L. KARLI. NOTARY PUBLIC NEW CUMBERLAND. PA CUNiBERLANO CO. MY CON-t~ISSION EXPIRES APRIL 1~~ 1995 d w signed to the attached or foregoing duly qualified according to law do ~ Bigned and executed this inst=~unent signed it willingly and that I: signed tary act for the purposes therein -4- ..M_.,_........... w~ COMMONWEALTH OF PENNSYLVANIA :SS: COUNTY OF CUMBERLAND : We , a.nd i,~ 1 ,~.(,~,~ . ~ ~~~]( ~ /~ /~.5~-~"~ , the witnesses whose names are signed to the attached or foregoing instrument, being duly qualified according to law, depose and say that~we were present and saw Testatrix sign and execute the instrument as her last will; that Testatrix signed willingly and that she executed it as her free and voluntary act for the purposes therein expressed; that each of us in the hearing and sight of the Testatrix signed the will as witnesses; that to the best of our knowledge, the Testatrix was at that time eighteen or more years of age, of sound mind and under no constraint or undue influence. Witness ~ ~ / ~^ j ~~ J Witness worn to or a firmed to an cknowledged before me by and , witnesses, this ~ da of 199:1. Y , Notary Public -5- iNOTARIAL SEAL °;,: ~ CONSTAhCE L. KART..[ NOTARY PUBLIC - ~ ~.~ ~ ' ~ WEIJ CUl1BERl_kND~ 4 r1 CUP~SERLAHD CC. '' MY CO!&l~ISS1(Ni EXP1itES APRIL ~3, 1g~~ ~~ ~~ r ~ e-~ ~ Y ~ ~ l ~-~.;:f>:.~ 9 t . r..~~~~.C~{ I ~ ~' DEED 26~~ NOU 8 flI'1 X115 THIS DEED, made this ~ day of November, in the year of our Lord two thousand and .. four between VERA F. NEISH, surviving owner, and GORDON L. BOMBERGER (hereinafter called "Grantors"), of the one part, and VERA F. NEISH and GORDON L. BOMBER.GER, as joint tenants with right of suvivorship, (hereinafter called "Grantees"), of the other part, WITNESSETH, that the said Cnantors for and in consideration of the sum of thre Dollar ($1.00) lawful money of the United States of America, unto them well and truly paid by the said Grantees at or before the scaling and delivery hereof, the receipt whereof is hereby acknowledged, have granted, bargained and sold, released and confirmed, and by then; presents do hereby grant, bargain, sell, release and confirm unto the said Grantees, their heirs and assigns, ALL THAT lot of ground situated in the Borough of New Cumberland, County of Cumberland and State of Penwsylvania, more particularly bounded and described as follows, to wit: Tract o 1 Bounded on the North by Lot No. 80, lately owned by Frank Feeman, on the South by other lands of (formerly) Samuel Seiders and Martha, his wife, on the West by Market Street and on the East by Walnut Avenue. Containing twenty-five feet front and one hundred and Sfty feet in depth, be the same more or less. Tract No. 2 ALL that lot of ground in the Borough of New Cumberland, numbered eighty va the general plan of said Borough, bounded and described as follows: BEGIZJIVING at a point on Market Street, fifty feet Southwest of Fifth Street, thence South fifty degrees East fifty feet to lot number seventy-nine, thence North forty degrees East, one hundred fifty feet to Walnut Avenue, thence North ~fty degrees West, fifty feet to a lot number eighty-one, thence South forny degrees West one hundred fifty feet to the place of beginning. HAVING thereon erected a dwelling house known as 431 Market Street, New Cumberland, Pennsylvania BEING known as Parcel No. 25-24-0813-032. WHYS, the said Lee D. Neish departed this life on February 11, l 996 as a ,result of which titled vested absolutely in Vera F. Neish. BEING the same grcnuses which Vera F. Neish, also known as Vera B. Neish, and Lee D. Neish, her husband, by deed dated July 9, 1991, and recorded in Cumberland Counr~ Deed a r Book F35, Page 81, granted and conveyed Vera F. Neish's SO% interest to Lee D. Neish and Vera F. Neish, husband and wife. BEING the same premises which Mervin Baumberger and Carrie M. Baumberger, his wife, by deed dated June 11,1953, and recorded in Cumberland County Deed Book M, Volume 18, Page 98, granted and conveyed unto Vera F. Neish and Gordon L. Baumberger, as. joint tenants. ,~d~'~~ ~ SiS i ~a2 This is a conveyance fmm tenants-in-common to joint tenants with right of suvivorship and is exempt from all realty transfer taxes. AND the said Grantors do hereby covenant to and with the said Grantees that'they, the said Grantors, shall and will, Warrant and forever defend the herein above described Imemises, with the hereditaments and appurtenances, unto the said Grantees, their heirs and assigns, against them said Grantors and against every other person lawfully c or who shall hen~a$er claim the same or any part thereof, by, from or under him. IN WETNESS WHEREOF, the said Grantors have caused these presents to be duly executed, the day and year first above written. 2/,~tl~,. c~i . o; dj VERA F. NEGSH BNL.BAUI~iR6- L~ ~raa~ c e~,bP,~P~ B~~K ~s~ ~~~~ ss~ STATE OF PENNSYLVANIA SS COUNTY OF CUMgER1.AN~D . On this ~ ~' of w____~ 2004, before me, the undersigned officer, eis who acknowledgzd bcrself ~ r ~ personally appeared Vera F. Al h, to be the person executing the foregoing Deed. IN WITNESS WHEREOF, I hereunto set my hand and official seat. STATE OF PENNSYI.VA-NIA couNTY of c~ERLArr~ Notary CtNWEALTH oa^ PENNSYLVANIa Nomxia- see w~ o. wleRnan. Notary Pubic Naw Glxnberarxi enro, Cuttberiand My oarrNawbr- Expires sept. X5.2008 . SS irMfntier, f~enn~yh:anla R~andatson Of No;;pries u of yo pY 2004, before me, the undersigned officer, On this s "~ d~ ,who W i ~~~ ~ w.'~ tP /,fio~ , per's°°ally alPfo o' Ixed- aclrnowledgedhimself to be the person executing ~~~ ~.. ~Q~~ ~C'~ IN WITNESS VVI~EREOF, I hereunto set my hand and official seal. The hereby certify that the address of the Member, Pertnsylvenia Assodation Ot Notaries 4l 3 Market Street New Cimnberland, PA ] 7070 7 L'" t';'i F f ~' ~ r' S tC' ~:~ .~: ,,~ ~ 4 f ~ y~ .. -.. 4 r; '' , ~~ .~,~ a, ,~ ;~• DaQX ;~6~7 PAGE SS$ ~. NOtary Pub11C EAL.TH of PENNSYLVAN{A Notarial Sea! W{Niarn 0. Wiertrren, Ntxery Public New Ctarriberlat~d Som. 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' ~~ Q •~ Q U '~ .~ a~ o ~ ~ -o `~.' ~ ~ C .~ ~ O p, ~) O `" v ~ y '~ ~ ~ o ~•~ °' ' '~ ~ ~ ° o ~ ~ an - ~ ~ ~~ ~ ~ ~ ~ o ~ ~ ~ . ~ T ~ ~ U ~ ~ ~ w _ ~ O ~ ~ ~ O" ~ ~ c d, `~' ~ ~ V rr, v y e`~ G M~, o ~ .~ .~ ° g ~ ~ ~ ~ ~ ~ ~' ~~ svs o ~ > ~' 3 , j , ,, ~ ~ ~ ~ ~ ~ ~ ~ ~ y a ~; ~~ ... ~° 0 ~ ~ ~' ~ ~ ~ ~ ~ ~ ~ ~ ' c. o ,~ _° 'b o , ^, t~ ~ ~? ~ `~ ~ ~ ~ y ~ '' > 3 ~ ~ a ~ $. Cvd G ~ ~ O ~ o .~ ~ o y N ~ S ~' t a y y ~ w0 .~ ~ M T p c'a Q. ~ ~ "" c+.. .. , O ~ ~ U c"~ , ~ tC y, tU~ ~ ~ ~ U '~ ~ ~ ~ . C3 C ... •~ O ~ ~ ~ ~ ~ '~ fi .. n C ~ `r' ;Q ~ `' ~ O ~ ~ . r + y ~+. ~ R7 ~ C ~ o '~ ~ ~ 0 3 .n ° G .~ o ~ -v ° o o 'd ~ '~ , a^'~, ~ ~ ¢,, ~ a, ~' o ~~ :s ~ ~ ~ ~cc LLL/// ~ y O ~ `O ~ g .O . . ~ '~ ~ ~ ~ ' ~ ~ 0 t7 ,G ~ O ~ ~- ~ w 8 ~ ~$ ~ ~ ~ ~ o .~, .~ ~ ~ °' ~ o~~ o~ ~ o~i ~ ~ ~ '~ ~ o a~ ~ ~ a ~" ~ ~ 3 ' c~ ~ on c > ~ . ~ ~ ~ 3 3 ~ °~ ~ c o ~ ' -~ '~ ~ ~ s~ -o .~ ~ c ~ ~ ~ .~ ~ c ~ ~ ~c °~' a. f -~ g ~ ~ `~ ~ c 5 ~ ~ 3 ° ~ ~ ~ ~~ . O b ~ ~ o >= ~ ~ ~ ~, ~ ~ gU~ ~ ~ o a~ tf' c ~ •~ 8 A c b ~ ~ ' ~ °~' ~~ ~' ~ u ~ ~. 8 ~ ~ ~ 0 ~ ~ an -c ~ 00 N d: O .-~ 0 ri N ~. a a~ cn C 0 .-+ C .~ a MainStay INVESTMENTSS" MainStay Shareholder Services P.O. Box 8401 Boston, MA 02266-8401 800-MAINSTAY (800-624-6782) mainstayinvestments.com DAVID STONE 414 BRIDGE ST NEW CUMBERLAND PA 17070 REFERENCE: 05150271 VERA B NEISH LEE S NEISH JT TEN Dear Mr. Stone: March 31, 2010 I am contacting you regarding your recent request for information about the MainStay joint tenant account registered to Vera and Lee Neish. The following balance information applies to the account as of March 17, 2010: Account Share Balance Net Asset Value Total Value 1886-xxxx5017 1,225.191 $ 32.29 $ 39,561.42 1949-xxxx5017 3,444.521 $ 10.19 $ 35,099.67 Mr. Stone, I hope this information is helpful. If you have any questions, please contact MainStay Shareholder Services by calling 800-MAINSTAY (624-6782), option 2. A Representative will be happy to assist you any business day from 8 A.M. ~to 6 P.M., Eastern Time. Sincerely, Caren Hendricks Correspondent CC: JAMES D DAY Mainstay Shareholder Services is a division of NYLIM Service Company LLC, a Registered Transfer Agent of New York Life Investment Management LLC. Securities distributed by NYLILFE Distributors LLC, 169 Lackawanna Avenue, Parsippany, NJ 07054 ~~vc c~owcn~~wnr May 27, 2010 David H Stone, Esq. Stone Lafaver cat Shekletski Attorneys at Law ' 414 Bridge St POBoxE New Cumberland, PA 17070 RE: Vera. B Ne~s~ SSN: 152-22-1505 DOD: 03-17-2010 Dear Mr. Stone: :ro~;, ~t.UU I f In response to your request for hate of Death (DOD} balances for the customer Noted above, our records show the following: Checking Account Accou~at # 5140046353 Established: O 1-01-1978 . VERA B NEISH LEE S NEISI~ DOD balance: $ 63,70b.84 + 0.23 accrued interest Interest paid O 1-01-2010 thru 03-17-2010 $ 2.2 8 Y7'D Savings Account Account # 5000892785 Established: 07-16-1997 VERA B NEISH LEE S NEISH DOD balance: $ 53,394.26 closed on date of death with this balance and transfered to Dda Account #5140046353. Please ~aote that this office provides date of death balances for deposit accounts (igAs, CDs, Checking and Savings). We da sot prace~cs any financial transactions or provide statements. If you need assistance with any of those itemas, please cal] 1-8$8-PNC-BANK (1-888-762-2265) or stop by your local PNC Bank branch ol~ice. . Sincerely, Natiox~.a1 Financial Services Center PNC Bank, N.A. Member FDIC Page 1 of 1 Accu-Fast Appraisals FROM: Robert Cassel Accu-Fast Appraisals 712 Sunhaven Circle Mechanicsburg, PA 17055 rcassel@accu-fast. net Telephone Number: 717-514-5380 ~ Fax Number: 717-790-8724 T0: David Stone, Esq. Stone L.aFaver 8 Shekletski 441 Bridge Street New Cumberland, PA 17070 Tekphone Number: (717) 774-7435 Fax Number: ANemate Number: E-Mall: dstone@stonelaw.net INVOICE 1009R36 DA 9/2/2010 Mtemai Order M: 1009R36 Lender Case X: Neish CUent Ffle X: Neish Main Fib * ~ form: 1009R36 Olher File ~ on form: Neish Federel Taz D: Empbyer ID: Lender: Stone LsFaver 8 Shekletski Clknt Stone LaFaver & Shekletski Purchaser/Borrower. Estate Of Vera F. Neish Property Addross: 431 Market Street City: New Cumberland County: Cumberland State: PA Zip: 17070 Legai Description: See Cumberland County Deed Book 35F; Page 80 --------------------------------------------------------------------- Pkase Relurn Thib Portlon With Your Payment Mtemal Order Ar: 1009R36 T0: Robert Cassel Accu-Fast Appraisals 712 Sunhaven Circle Mechanicsburg, PA 17055 rcassel@accu-fast. net Lender Case Af: Neish CNentFNeM: Neish Main FNe ~ on form: 1009R36 Other Fib is on form: Neish Federal Tax ~: Empbyer ID: Form NN1-'WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE F I . 1009R P36 a4~#_ ;~, ~.. i ..r ,, APPRAISAL OF REAL PROPERTY LOCATED AT: 431 Market Street See Cumberland County Deed Book 35F; Page BO New Cumberland, PA 17070 FOR: Stone LaFaver & Shekletski 441 Bridge Street New Cumberland, PA 17070 AS OF: March 17, 2010 BY: Robert I. Cassel, Certified Residential Appraiser 712 Sunhaven Circle Mechanicsburg, PA 17055 phone 717 514 53801 Fax 71 7 790 8724 e-mail / rcassel c~accu-fast.net www.accu-fast.net Form GA5 -'WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE ~ ~ ~'' i F'I '1009- R3 Paae #~ Owner Vera F Neish & Gordon Bomber er File No. 1009R36 Pro Address 431 Market Street Ci New Cumberland Coun Cumberland State PA ~ Code 17070 Client Stone LaFaver 8~ Shekletski TABLE OF CONTENTS Cover Page ....................................................................................................................................................................................................................... 1 Table of Cantents ............................................................................................................................................................................................................. 2 Cover Letter ...................................................................................................................................................................................................................... 3 Summary of Salient Features ............................................................................................................................................................................................. 4 URAR ............................................................................................................................................................................................................................... 5 Additional Comparab~s 46 .............................................................................................................................................................................................. 11 Subject Photas .................................................................................................................................................................................................................. 12 Subject Photos Interior ...................................................................................................................................................................................................... 13 Subject Photos Interior ...................................................................................................................................................................................................... 14 Subject Photos Interior ...................................................................................................................................................................................................... 15 Photograph Addendum ...................................................................................................................................................................................................... 16 Photograph Addendum ...................................................................................................................................................................................................... 17 Comparable Photos 1-3 ..................................................................................................................................................................................................... 18 Comparable Photos 4-6 ..................................................................................................................................................................................................... 19 Building Sketch (Page -1) ................................................................................................................................................................................................. 20 Location Map .................................................................................................................................................................................................................... 21 Flood Map ......................................................................................................................................................................................................................... 22 Legal Description ............................................................................................................................................................................................................... 23 USPAP Identitication ......................................................................................................................................................................................................... 24 Supplemental Addendum .................................................................................................................................................................................................. 25 Environmental Addendum -Appraiser ............................................................................................................................................................................... 26 Appraiser's Certification (License) .................................................................................................................................................................................... 28 Appralser's E 8 0 .............................................................................................................................................................................................................. 29 Appraiser's Resume -Page 1 ............................................................................................................................................................................................ 30 ............................................................................................................................................................................................ Appraiser's Resume -Page 2 ; 1 Form TOCNP - "WinTOTAI" appraisal software by a la mode, inc. -1-800-ALAMODE Main File No. 1Q(19R96T-Pane #31 September 20, 2010 Robert Cassel Accu-Fast Appraisals 712 Sunhaven Circle Mechanicsburg, PA 17055 Phone: 717-514-5380 Fax :717-790-8724 Email rcassel(dlaccu-fast.net David Stone, Esq. Stone LaFaver & Shekletski 441 Bridge Street New Cumberland, PA 17070 RE: 431 Market Street, New Cumberland, PA 17070 Dear Attorney Stone; Pursuant to your request, 1 have prepared a COMPLETE APPRAISAUSUMMARY REPORT of the property referenced 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 applicable value-influencing economic conditions and has been processed in accordance with nationally recognized appraisal guidelines. The value conclusions stated herein are as of the effective date as stated in the body of the appraisal, and contingent upon the certification and limiting conditions attached. Please do not hesitate to contact me if i can be of additional service to you. Respectfully, Robert Cassel PA Certified Residential Appraiser form DCVR - •WinTOTAL• appraisal software by a la mode, inc. -1-800-ALAMODE SUMMARY OF SALIENT FEATURES Subject Address 431 Market Street Legal Description See Cumberland County Deed Book 35F; Page 80 City New Cumberland County Cumberland State PA Z-p Code 17070 C~sus Tract 42041-0108.00 Map Reference Franklin2849-B-4 Sale Price S Est MV Date of Sale Est MV Owner Vera F Neish & Gordon Bomberger Client Stone LaFaver 8~ Shekletski Size (Square Feet) 1,532 Price per Square foot S Location Suburban Age 110 Years Condition Average Total Rooms 7 Bedrooms 3 Baths 2.00' Appraiser Robert 1. Cassel, Certfied Residential Appraiser Date of Appraised Value March 17, 2010 Final Estimate of Value ~ 116,000 Form SSD - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Accu-Fast Appraisals in 1 009836 Paae #5 Neish Uniform Residential Appraisal Report Fib# 1009836 The u ose of this summa a raisai re R is to ovide the lender/client with an accurate, and ad uatel su oRed, o iruon of the market value of trk; sus act ro Pro Address 431 Market Street C' New Cumberland State PA Ti Code 17070 Borrower Estate Ot Vera F. Neish Owner of Public Record Vera F Neish 8 Gordon Bomber er Cou Cumberland Le al Descri lion See Cumberland Coun Deed Book 35F• Pa a 80 Assessor's Parch # 25-24-0813-032 Tax Year 2010 R.E. Taxes $ 1 636.96 Nei hbofiood Name New Cumberland 8oro h Ma Reference Franklin2849-8-4 Census Tract 42041-0108.00 C-ccu ant Owner Tenant Vacant S ecial Assessments S None PUD HOA S None r year r month " Pro Ri hts raised Fee Sim to Leasehold Other describe Asst nment T e Purchase Transaction Refinance Transaction Other describe Estimate Market Value Lender/Client Stone LaFaver ~ Shekletski Address 441 Brid Street New Cumberland PA 17070 Is the subject ro current offered for sale or has it been offered for sale in the twelve months rior to the effective date of this a sisal? Yes No Re R data sources used offeri rice s and dates . Data source for the offerin information is the local Multi-List service. i ^ did ®did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not eRormed. Not livable Contract Price S Est MV Date of Contract Est MV Is the roe seller the owner of ubGc record? Yss Na Data Sources Courthouse Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? ^ Yes ®No ff Yes, re R the total dollar amount and describe the toms to be aid. None Re rted Note: Race and the rods! ttom sitlon of the ne hborhood arc not a rsfaal factors. Location Urban Suburban Rural Pro Values Increasi Siabb Declini PRICE AGE One-Unit 65 % Built-U Over 75% 25-75% Under 25% Demand/Su I Shona a In Balance Over Su S 000 rs 2-4 Unit 5 % • Growth Ra fd Stable Slow Marked Time Under 3 mites 3-6 mlhs Over 6 mths 60 Low 10 Mufti-Famil 2 % Net hbofiood Boundaries The sub'ect ne' hborhood is the Boro h of New Cumberland. 600 Hi h 100+ Comnnercial 12 % ' • ~• % 165 Prod. 60-70 Other 16 Nei hbofiood DescR lion Sub'ect has access to all necessa su rti facilities inctudi schools ubiic arks trans rtation sho i and houses of wgrshi Avers ro maintenance ro rams observed. Em to ant is within 15-30 minute drive. Stead rives and MLS statistics demonstrate stable demand for the area. Present Land use "Other" is 16% vacant land. Market Conditions incwdin su R for the above conclusions There are no foreseeable economic factors that mi ht adverse! influence the marketabili or value of the sub act. Interest rates are avers a to cod - 5% to 9%. Loan discounts are 2-3%. Concessions are not uncommon in this area and usual have little im act on the market value. Dimensions See Attached Deed Area .26 Acre M/L She a Recta ular View Similar Houses S ific Zoni ClassificationC-1 Zonin DescR lion Commercial Zoni Com trance L al L al Noncortiormi Grandfattiered Use No Zoni II al describe Is the td hest and best use of sub' t as im roved or as ro osed er lens and s ecifications the resent use? Yss No K No, describe lltWtiee Public Ottrer (describe Public Other deecribe) Off-alto Irn rovementa - T P~~blk: Private Electric' Water Slreet As haK Gas None Bonita Sewer AI As haft FEMA S ial Flood Hazard Area Yes No FEMA Flood Zone X500 FEMA Ma # 42041 C0301 E FEMA Ma Date 3/16!2009 Are the utilities and off-site im rovements ical for the market area? Yes No H No, describe Are there an adverse site conditions or external factors easements, encroachments, environmental conditions, land uses, etc. ? Yes No Ii Yes, describe No a arent adverse easements encroachments s vial assessments or other alive influences were noted. Sub act however to an easements encroachments assessments etc of record. .. ,~,; ~. , Units One One with Accesso Unit # of Stories Two Concrete Slab Crawl S ace Wf Basement Partial Basement foundation Wags Stone Pa e/A Floors Ca yet Vin Av Exterior Walls Vin A Walls DWall PIasUAv T Det. Att. S-DetJEnd Unit Basement Area 766 s .ft. Roof Surface Shi le/A TRrtVFnish Wood/A Existi Pro sad Uri Coast. Basement Finish Unfinished % Gutters 5 Downs outs Aluminum/Av Bath Fioar Ca eUA Desi n S b 2 Sto S-D Outside E /Exit Sum Pum Window T Double Hu /A Bath Wainscot Fiber IassiAv Year Built 1900 Evidence of Infestation Storm SastVlnsulated Storms InTherm/A Car Store a None Effective A rs 20 Years +/- Dam ness Settlement Screens Yes/A DRvewa # of Cars Attic None Heati FWA HWBB Radiant Amenities Woodstove s # DRvewa Surface Dro Stair Stairs Other Fuel Oil Fr laces # Fence Gera e # of Cars 1 Fbor Scuttle Cooli Central Air ConditioN Patio/Deck EnBal Porch Porohes Car oR # of Cars Frbshed Heated Individual Other Poal Other Att. Det. Built-in A Dances Refri orator Ra e/Oven Dishwasher Dis sal Microwave Washer/D er Oth+a' dascRbe FaNHood Frrished area above rode contains: 7 Rooms 3 Bedrooms 2.00 Baths 1 532 S uare Feet of Gross Livi An:a Abovs Grade . Additional features s lal er>ar efficient items etc.. Ener items are similar to other ro erties in the area of Ilke a e and condition. . Describe the condition of the a includin needed re airs deterioration renovations, remodelin etc.. All im rovements are in avers a condition with no re airs re uired. The ro has chi aint on some exterior trim and some settlement cracks on Interior walls. No Functional or External made uacies were noted at the time of ins action. The ro was formers used as a two unit however it's most recent use was as a si le famii .There is a kitchen on the second floor and a bath that does not include a sink. Are there an sical deticienCles or adverse conditions that affect the livabil' ,soundness, or structural int ri of the ro ? Yes No ti Yes, describe Does the ro eneral conform to the net hbofiood unctions! util , s le, condition, use, constriction, etc. ? Yes No ff No, describe Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - •WinTOTAL' appraisal software by a la made, inc. -1-800-ALAMODE Neish Uniform Res{dentin{ Anoraisa{ Report FNeB 1009R36 There are 9 co arable ro ernes curve offered for sale in the subject niti hborttood ra i in rice from $ 5 490 to $ 129 900 Thera are 15 co arab~ sales in the subject rtal hborttaod within the asi twelve mont hs ra i in sale rice from ; 87 000 to $ 135 000 FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 431 Market Street New Cumberland PA 17070 428 7th Street New Cumberland PA 17070 402 6th Street New Cumberland PA 17070 408 4th Street New Cumberland PA 17070 Pro>am' to Sub' ct 0.32 miles W 0.26 miles W 0.20 miles SW Sale Price ; Est MV ; 131 900 ; 123 900 $ 109 750 Sa{e Price/Gross Liv. Area ; s .ft. $ 88.35 s .ft. ' ; 96.20 s .ft. $ 65.33 s .ft. '- Data Sources ~ MLS #10173425 ML5 #10182714 MLS #10181711 Verification Sources Public Records Public Records Public Records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - ; Ad'ustment DESCRIPTION + - $ Ad'ustment DESCRIPTION + - ; Ad'ustment Sales or Rnancing Concessions ~ 110 D.O.M. FHA- 000 -4 000 3 D,O.M. FHA 3000 -3 000 43 D.O.M. Cash Date of Sale/Time 5/29/2009 9/25/2009 8/28/2009 Location Suburban Suburban Suburban Suburban Leasehold/Fee Sim le Fee Sim le Fee Sim le Fee Sim le Fee Sim ie Site .26 Acre MJL .07 Acre M/L +2 000 .08 Acre M/L +2 000 .08 Acre M/L +2 000 View Similar Houses Similar Houses Similar Houses Similar Houses Desi n S le 2 Sto S-D 2.5 Sto S-D 2 Sto S-D 3 Sto S-D Dual' of ConsWction Vin A Aluminum/A Vin A Vin A Actual A e 110 Years 99 Years 70 Years 100 Years Condition Averse Averse Aver se Aver s e Above Grade Total Bdrms. Baths Total Bdrms. Baths Total Bdm~s. Baths Total Bdrms. Baths Room Count 7 3 2.00 7 3 1.00 +3 000 6 3 1.00 +3 000 t3 4 1.00 +3,000 Gross Livi Area 1 532 s .ft. 1 493 s .ft. +1 000 1 288 s .ft. +5 000 1 680 s .ft. -3 000 Basalnent b Rrdshed Rooms Below Grade Full Unfinished Full Unfinished Full Unfinished Fult Unfinished Wnctianal Utili Averse Aver a Averse Avers e . Heati Coot OiIFWA/NoAC GasFWA/NoAC Oi1FWA/NoAC OiIFWA/NoAC .' Ever Efficient Items T Ica a/Area T Ica a/Area T Ica a/Area T Ica a/Area Gana elCa rt 1 Car Det Gar 1 Car Det Gar 1 Car Det Gar Off Street +3 000 - PorclyPatio/Deck Porches EnBaic Porches 9aic +1 000 Porches SPor Porches Balc +1 000 • Fi C oodstove None None None None • U radeS Averse Fence -1 000 Averse Avers e • U rades Averse Averse Averse Avers e • Net Ad'ustment otal + - ; 2 000 + - $ 7 000 + - $ 6 Ooo Adjusted Sale Price of Co ambles Net Adj. 1.5 % Gross Ad . 9.1 % $ 133 900 Net Adj. 5.6 % Gross Ad'. 10.5 % ; 130 900 Net Adj. 5.5 % Gross Ad'. 10.9 % $ 115 750 - I did did not research the sale or transfer histo at the subject ro and com arab le sales. lt not, ex lain research did did no! reveal a rior sales or transfers of the subject ro for the three ears rior to the effective date of this a sisal. Data Sotrce 5 Local multi-list and count tax records research did did not reveal a rior sales or transfers of the com arable sales for the ear rior to the date of sale of the com arable sale. Data Sources Local multi-list and count tax records R rt the results of the research and ana sis of the rior sate or transfer histo of the sub' t and com arable sales re ort additional rior sales on a e 3 . ITEM SUBJECT COMPARABLE SALE #i COMPARABLE SALE #2 COMPARABLE SALE #3 Date of Prior Sale/Transter 11/8/2004 2/4/2005 1/3/2006 6/29/2007 Price of Prior SaieiTransfer 1.00 104 900 105 000 76 000 Data Source S Public Records -Multi Llst Public Records -Multi List Public Records -Multi List Public Records -Multi List Effective Date of Data Sources 9!2/2010 9/2/2010 9!2/2010 9/2/2010 Ana sis of rior sale or transfer itist of the subject ro and co arable sales There have been no revious transfers of the sub'ect roe in the ast three ears nor the com arable sales in the twelve months rior to their current transactions. Summa of Sales Com rison A ach Sales used are the most recent similar and nearest cbsed sales available. The com arable sales indicate a value ra a of a ro>omatel 106 000 to 134 000 with the sub'ect roe faili within the ra a in terms of conditions and amenities offered. Indicated Value b Sales Co rison A roach; 116 000 Indlcated Value b : Shea Com roach; 116000 Cost A roach (If Bevel ); N/A Income roach (if deveb -; NIA The Sales Com orison Anal is is the most reliable a roach to value. The Cost roach is not a ro vista for ro erties the a e o1' the sub'ect ~ and was not develo .The Income a roach to value is not considered reliable in estimati value for owner occu led si le famil residential ro rties and was not utilized in this a sisal. - This appraisal is made ^ 'as is`, ^ subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed, ®subject to the foNowing repairs or alterations on the basis of a hypothetical condition that the repairs ar alterations have been completed, or ^ subject to the foNowi re aired ins action based on the extraordina assum lion that the condition or deficient does not r uire alteration or re air: Full conversion of the pro art for • si le tamil use. Based on a compete visual InaaecUon of the interbr and exterior arena of the aubJect property, defined scope of work, statement of aaaumptiona and IimRing conditons, end eppreiaer'a ce cation, my (our) opnion of the market value, as defMed, of fhe real property that la the subject of this report la ; 116000 as of March 17 2010 which is the date of In ion end the effective date of this a reisal. Freddie Mac Form 70 March 2005 Page 2 of 6 Fannie Mae Form 1004 March 2005 Form 1004 -'WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE Main File No• 1009R3 P6 ao-e #71 Neish Uniform Residential Aonraisal Resort FkeA~ 1009R36 The effective a e of the sub'ect roe i5 si n~cantl lower than its actual a e. The estimate of effective a e is sub'ective and i: s based on the a raisers a rience and observations duri the ins coon of the ro There was no evidence of termfte infestation at the time of the ins action and the a raiser does not s ecificall recommend a termite ins action. However the a raiser is not an a art in this field and makes no warranties either a Hess or im lied as to this condition. Provide ad uate information for the lender/client to licate the bebw cost fi ures and calculations. Su rt for the o inion of site value summa of co rable land sales or other methods for estimatin site value The estimated site value was extracted based on coup assessment ratios due to a lack of ade uate com cable sales of similar sites. ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE .................................... ------------------------------ =- - 30 000 Source of cost data DWELLING S .Ft. $ ............ . __$ OuaN call from cost service Effective date of cost data S .FL $ ......._... - _=$ - Comments on Cost A roach ross Irvin area ca~ulations, d reciation, etc. IianceAllowance ____-._ __$ Gera eJCar rt S .Ft. $ _ _ __ . _$ ~ The Cost roach is not a livable and is considered ina ro riate for Total Estimate of Cost-New =_$ ro erties the a e of the sub'ect and was not deveb for this Less sical Functional E>demal a sisal. De reciation =~$ D reciated Cost of im rovements -..-_..__--.._.........._ .................._-. .. _:$ 'As-is" Value of Site Im rovements ................_--.-.-...,......-.....---.--...- - _-$ Estimated Remaini Econanac Lice HUD and VA o 45 Years INDICATED VALUE BY COST APPROACH ........................................... .. =°S 30 000 ~- ~,; 'Cfr1Y1~ M .Estimated Mon Market Rent $ }( Gross Rent Mutti ter = $ NlA Indicated Value b Income A roach Summa of Income A ch nCludin su ort for market rent and GRM The Income roach to value is not considered a reliable ind icator of value for si le fami owner occu led ro rties and was not utilized in this a sisal ~C4 N Iii P4~t is the deveb rlbuilder in control of the Homeowners' Association OA ? Yes No Unit e s Detached Attached Provide the folbwin information for PUDs ONLY if the devdo r/buiider is in control of the HOA and the sub'ect ro is an attached dweNin unit. Le al Name of Pro'ect Total number of ases Total number of units Total amber of units sold Total number of urns rented Total number of units for sale Data source s - Was the 'ect created b the cornersion of e~osti buildin s info a PUD? Yes No K Yes, date of conversion. Does the ~ect contain an multi-dweNin units? Yes No Data Source Are the units, common elements, and recreation facilities com late? Yes No K No, describe the status of com letion. Are the common elements leased to orb the Homeowners' Association? Yes No B Yes describe the rental terms and o bons. Describe common elements and recreational facilities. Freddie Mac Form 70 March 2005 Page 3 of ti Fannie Mae Form 1004 March 2005 Form 1004 -'WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE 'Mom File No• .100 R P63 aae #~ nie~~ti Uniform Residential Appraisal Report F~eX 1009R36 This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work, intended use, Intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certffications are also not permitted. However, additional certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) Inspect each of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to eualuate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or Weil advised, and each acting in what he or she considers his or her own best Interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. *Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional tender 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 ar concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDrfIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser wi{I not be responsible for matters of a legal nature that affect either the property being appraised or the tftle to it, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, 'the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions ot` the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be performed in a professional manner. Freddie Mac Form 70 March 2005 Page 4 of 6 Fannie Mae Farm 1004 March 2005 form 1004 - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE 'n Fil 1009R36~aoe #~ ~ie~~ti Uniform Residential Appraisal Report FNea 1009R36 APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could afi`ect the livability, soundness, or structural integrity of the property. 3. 1 performed this appraisal in accordance with the requirements of the Unrform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisai Standards Board of The Appraisal Foundation and 1:hat were in place at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and experience in appraising this type of property In this market area. 12. i am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. i have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions;, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject properly or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. i personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualrfied to perform the tasks. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. 1 identified the lender/client In this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Freddie Mac Form 70 March 2005 Page 5 of 6 Fannie Mae Form 1004 March 2005 Form 1004 -'WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE ,M~m Im Fi s No' j(-09R36~e tio~~ti Uniform Residential Appraisal Report FiieN 1009R36 21. The tender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage Insurers; government sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Unfform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another sender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those 1:erms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 1 B, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certffication. 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted a.nd promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. if this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER Signaturtis Name o asse , Cert' d esidential Appraiser Company Name Accu-Fast Appraisals Company Address 712 Sunhaven Circle Mechanicsbura, PA 17055 Telephone Number 717-5145380 Email Address rcasselCa~accu-fast.net Date of Signature and Report September 21, 2010 Effective Date of Appraisal March 17, 2010 State Certification # RL139417 or State License # or Dther (describe) State # State PA Expiration Date of Certification or License 6/30/2011 ADDRESS OF PROPERTY APPRAISED 431 Market Street New Cumberland PA 17070 APPRAISED VALUE OF SUBJECT PROPERTY $ 116,000 LENDER/CLIENT Name David Stone. Esa. Company Name Stone LaFaver S Shekletski Company Address 441 Bridle Street, New Cumberland, PA 17070 Email Address SUPERVISORY APPRAISER (ONLY iF REQUIRED) Signature Name Company Name Company Address Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License SUBJECT PROPERTY ^ Did not inspect subject property ^ Did inspect exterior of subject property from street Date of Inspection ^ Did inspect interior and exterior of subject property Date of Inspection COMPARABLE SALES ^ Did not inspect exterior of comparable sales from street ^ Did inspect exterior of comparable sales from street Date of Inspection Freddie Mac Form 70 March 2005 Page 6 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE in 1 09836 Paaa #11~ Illnifinrm Residential Annralsa! Report Neish ~s ~nnaR~~ FEANRE SUBJECT COMPARABLE SALE #4 COMPARABLE SALE #5 COMPARABLE SALE #6 Address 431 Market Street New Cumberland PA 17070 136 Market Street New Cumberland PA 17070 503 2nd Street New Cumberland PA 17070 Proximi to Sub'ect 0.30 miles SE 0.35 miles S Sale Price S Est MV S 95 000 3 98 900 S Sad Price/Gross Liv. Area $ s .ft. S 61.89 S .tt. S 70.14 s .tt. S s .tt. - Data Sources MLS #10187304 MLS #10179935 Verification Sources Public Records Public Records VALUE ADJUSTMENTS DESCRIPTION DESCRIPT10N + - S Ad'ustrnent DESCRIPTION + - S Ad'ustment DESCRIPTION + - S Ad'ustment Sales or Fnancing Concessions 16 D.O.M. VA-None 21 D.O.M. Conv- 3942 Dale of SaleiTime 1/13/2010 7/1/2009 Location Suburban Suburban Suburban Leasehold/Fee Sim le Fee Sim le Fee Sim le Fee Sim le ~ Site .26 Acre M/L .10 Acre M/L +2 000 .08 Acre M/L +2 000 View Similar Houses Similar Houses Similar Houses Desi n S le 2 Sto S-D 2 Sto S-D 2 Sto S-D ~ Oua1' of Construction Vin A Vin A Vin A Actual A e 110 Years 92 Years 90 Years Condition Avera a Aver a Aver a e Above Grade Total Bdrms. Baths Toth Bdrms. Baths Total Bdrms. Baths Tots{ Bdrms. Baths Room Count 7 3 2.00 6 3 1.00 +3 000 6 3 1.00 +3 000 Grass Livi Area 1 532 s .ff. 1 535 s .tt. 1 410 s .tt. +2 000 s .tt. Basement & Finished Rooms Bebw Grade Full Unfinished Partial Unfinished +2,000 Full Unfinished Functional tftili Avera Aver a Avera e Heati CooN OiIFWA/NoAC GasFWA/NoAC GasHW/NoAC Ene Efficient ttems T ica a/Area T Ica a/Area T ica a/Area Gars e/Ca ort 1 Car Det Gar Off Street +3 000 Off Street +3 000 PorctVPatiOJDeCk Porches EnBalc Porches Balc +1 000 Porches +2 000 fire ce/Woodstove None None None U rades Avera Aver a Avera e U rades Avera a Avera a Avera e Net Ad' stment otal + - S 11 000 + - a 12 000 + - i~ Adjusted Sale Price of Com cables R rt the results of the researc h and ana sis of the Net Adj. 11.6 % Net Adj. 12.1 % Gross Ad'. 11.6 % S 106 000 Gross Ad'. 12.1 % 'or sale or transier histo of the sub'ect ro and com ara 3 110 900 ble sales re rt additi Net Adj. % Gross Ad'. % ~, onal rior sales on a e 3 . ITEM SUBJECT COMPARABLE SALE # 4 COMPARABLE SALE # 5 COMPARABLE SALE # 6 Date of Prior Sale/Transfer 11/8/2004 11/10!2008 9/17/2004 Price of Prior Sale/Transfer 1.00 1.00 80 500 Data Sources Public Records -Multi List Public Records -Mufti List Public Records -Multi List Effective Date of Data Sources 9/2/2010 9/2/2010 9/2/2010 Anal sis of iar sale or transfer t>isto M the sub'ect o and com cable sales Ana sis/Comments Freddie Mac Form 70 March 2005 Fannie Mae Form 1004 March 2005 Form 1004.(AC) -'WinTOTAL' appraisal sofiware by a la mode, inc. -1-800-ALAMODE Subject Photo Page in F' 1 b9R- 3 ane_ #1~ Owner Vera F Neish 8 Gordon Bomber er Pro Address 431 Market Street Ci New Cumberland Coun Cumberland State PA Z Code 17070 Client Stone LaFaver 6 Shekletski Subject Front 431 Market Street Sales Price Est MV Gross Living Area 1,532 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 2.00 Location Suburban Vew Similar Houses Site .26 Acre M/L Quality VinyUAvg Age 110 Years Subject Rear Subject Street Form PIC3x5.SR -'WinTOTAI" appraisal software by a la mode, inc. -1-800-ALAMODE N ' Fil I~R36 aP ae #13 Subject Interior Photo Page Owner Vera F Neish & Gordon Bomber er Pro Address 431 Market Street Ci New Cumberland Coun Cumberland State PA I~ Code 1707'0 Client Stone L.aFaver $ Shekietski Subject Interior 431 Market Street Sales Price Est MV Gross Living Area 1,532 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 2.00 Location Suburban dew Similar Houses Site .26 Acre MIL Oualhy VinyUAvg Age 110 Years Subject Interior Subject Interior Form PIC3x5.S1- "WinTOTAL` appraisal software by a la mode, Inc. -1-800-ALAMODE i F' , No. 1009836 Paae #141 Subject interior Photo Page Owner Vera F Neish ~ Gordon Bombe er Pro Address 431 Market Street Ci New Cumberland Coun Cumberland State PA ~ Code 1707'0 Client Stone LaFaver & Shekletski Subject Interior 431 Market Street Saks Price Est MV Gross Living Area 1,532 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 2.00 LOCation Suburban View Similar Houses Site .26 Acre IW~L Quality VinyVAvg Age 110 Years Subject Interior Subject Interior Form PIC3x5.S1-'WinTOTAI' appraisal software by a la mode, inc. -1-800-ALAMODE Subject Interior Photo Page Owner Vera F Neish 8 Gordon Bomber er Pro Address 431 Market Street Ci New Cumberland Coun Cumberland State PA 7i Code 17070 Client Stone LaFaver 8~ Shekletski Subject Interior 431 Market Street Sales Price Est MV Gross Living Area 1,532 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 2.00 Location Suburban Vew Similar Houses Site .26 Acre MI'L Quality VinyVAvg Age 110 Years Subject Interior Subject Interior Form PIC3x5.S1- •WinTOTAI' appraisal software by a la mode, inc. -1-800-ALAMODE PHOTOGRAPH ADDENDUM Owner Vera F Neish 8 Gordon Bombe er Pro Address 431 Market Street Ci New Cumberland Cou Cumberland State PA Ti Code 1707'0 Client Stone LaFaver 8 Shekletski Form 6PIC3X5 -'WinTOTAI.' appraisal software by a la mode, inc. -1-800-ALAMODE Photograph Addendum 'Mann File No• i(X)9R36 Paae #17 Owner Vera F Neish & Gordon Bomber er Pro Address 431 Market Street Ci New Cumberland Cou Cumberland State PA Ti Code 17070 Client Stone LaFaver 8 Shekletski form GPIC3X5 -'WinTOTAL' appraisal sottware by a la mode, inc. -1-800-ALAMOOE FpL~ j)e No.1009R36 Paae #~ Comparable Photo Page Owner Vera F Neish & Gordon Bombe er Pro Address 431 Market Street Ci New Cumberland Coun Cumberland State PA Z Code 170i'0 CNent Stone LaFaver & Shekletski Comparable 1 428 7th Street Prox to Subject 0.32 miles W Sale Price 131,900 Gross Living Area 1,493 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 1.00 Location Suburban dew Similar Houses Site .07 Acre MIL Quality Aluminum/Avg Age 99 Years Comparable 402 6th Street Prox to Subject 0.26 miles Vv Sale Price 123,900 Gross living Area 1,288 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1.00 Location Suburban Vew Similar Hou;:es Site .08 Acre M/L. !]uatity VinyUAvg Age 70 Years Comparable 3 408 4th Street Prox to Subject 0.20 miles SIN Sale Price 109,750 Gross living Area 1,680 Total Rooms 8 Total Bedrooms 4 Total Bathrooms 1.00 Location Suburban Yew Similar Houses Site .08 Acre M/L Quality VinyUAvg Age 100 Years Form PtC3x5.CR - "WinTOTAL' appraisal software by a la mode, inc. - t-800-ALAMODE ain Fije No• 1009R3TPaaye #~ Comparable Photo Page Owner Vera F Neish 8 Gordon Bombe er Pro a Address 431 Market Street Ci New Cumberland Coun Cumberland State PA ~ Code 17070 Client Stone I..aFaver 8 Shekietski Comparable 4 136 Market Street Prox to Subject 0.30 miles SE Sales Price 95,000 Gross Living Area 1,535 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1.00 Location Suburban dew Similar Houses Site .10 Acre M/L Quality VinyVAvg Age 92 Years Comparable a 503 2nd Street Prox to Subject 0.35 miles S Sales Price 98,900 Gross Living Area 1,410 Total Rooms 6 Tote! Bedrooms 3 Total Bathrooms 1.00 Location Suburban dew Similar Houses Site .OS Acre M/I_ Quality VinyVAvg Age 90 Years Comparable 6 Prox to Subject Sales Price Gross Living Area Total Rooms Total Bedrooms Total Bathrooms Location dew Site Quality Aga Form PIC3x5.CR -'WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE Building Sketch Owner Vera F Neish 8 Gordon Bombe er Pro Address 431 Market Street Ci New Cumberland Cou Cumberland State PA Z Code 17070 Client Stone LaFaver 8 Shekletski 13' 4' 13' 4' 13' . . ~,.. . N N ..~ N ' W 4 .. Batfi Bedroom doing Room N ~ N N Family Roam N ~ Bedroom 5' i h 5' n 0 5' Living Room Bedroom --- lr Basement Rrst Roor Second Roar ekatli try Mrr^ Orr. ° CAT1r1'18~~8: AREA CALCULA'fiONB .SUMMARY Cody ~ 1i~t 91xr tilt ToSNs G3.i11 first floor 766, 0 766.0 GLi12 Sxc~nd floor 766.0 766.0 881!1' Has~nt 766.0 766.0 p/p porch 36.0 porch 25.0 porch 48.0 porch 48.0 157.0 I.IViNG AREA BREAKDONVN !Ir~kdawn auls~oRab w__._. first rioor 1~.0 x 12.0 168.0 17.0 x 26.0 412.0 12.0 x 13.0 156.0 Second !loos 14.0 x 12.0 168.0 17.0 x 26.0 X42.0 12.0 x 13.0 156.0 Net LIVABLE Area (rounded) 1532 6 Items (rounded) 1532 form SKT.BIdSkI -'WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE Location Mao i F'I ~009R36 Paoe #211 Owner Vera F Neish & Gordon Bomber er Pro a Address 431 Market Street Ci New Cumberland Coun Cumberland State PA Z Code 170i'0 Client Stone LaFaver & Shekletski form MAP.LOC - •WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Flood Map Owner Vera F Neish 8 Gordon Bombe er Pro Address 431 Market Street Ci New Cumberland Cou Cumberland State PA Ti Code 17070 Client Stone LaFaver 8~ Shekletski Form MAP.Fbod -'WinTOTAI` appraisal software by a la mode, inc. -1-800-ALAMODE Fi DpgR36 ae 2# ~ eM~~ nr~~~rintion r DEEDcNSISB.DHD , • e T6I$ DsaD MADE T11E l~ day of in the ear o! our Lord one thousand nine hu d n sty-one {199 1. B11TNESt[ VSRJ- P. NEISg, also kna+n as VBRl1 8. sEI88, and LEE D. NEISU, her hnaband, Grantors, and LES D. NEIBN snd VSRA s. NEI61i, hwband and wits, tirantesr, MtITNR$SSTH, that in aonatderation of ONI1 and NO1200 ------------------ -_-_--------°---------^-----------{51.00)-----°-------------Dollars, is hand peid, the reoaipt whereo! it heraby aakaowledged, the raid Grantors do hereby grant and oonvey ko the said Crsntear, their heats and assigns, ALL the undivided Lntsteet of Vera !*. Nalah sa • ioint tenant in all thane tvo traota o! land situate !n Lh• Hosouggh o Nrw Cumberland, County o! Cumberland, and state of Pannrylvsnir, More particularly bounded and described as Lollawa, to wits Treat l10. 1 B'OtlIID$D on~the North by Lot No. E0, lately owned by Frank Teewan, on th• 6outh by other lands o! (tottaerly) 8aatuei Ssfdara and Martha, his vats, on tba West by Narkst Sttaet and on the East by Nalnut avenue. CONTAININf1 twenty-live (2S'} feat front and one hundred and fifty (150') last in depth, bs the saMS gore os• leas. ~$nt No. Y ALL that lot of ground in the Borough of Na+r Cuabsrland, numbered eightyy (80} in the general plan of said 8oroughi bounded end deaatibad as follovst HZtiINNING at a point an Market strset~ aifty (50'} teat south west of ri[th Street, thence aoutR fifty {50x1 degrees seat tatty (50') Leet to lot nusaber seventy-nine (79}, t secs north forty (10a) degrees asst, one hundred fatty {150•) feet to Malnut Avenue, tAenae Nerth tiPty {SOoJ dsyresa went, titky (SO') feet to a lot nuaber eigAty-one (91}, thence south forty (IOe) degrees Nest one hundred fifty {180') lest to the place of HEtiINNIN(1. NAV;itO thereon •reated a dwelling hours lc7fovn ar 191 Market 6traet, New Cusibetland, Pennrylvania. • -i- ~WK~.3S I'AfE SO Forth SCNLGH - ~WmTOTAL' appraisal software by a la mode, inc. ---1-804-A1-AMODE Accu-Fast Appraisals Owner Vera F Neish 8 Gordon Elomber er File No. 1009R3G Pro a Address 431 Market Street Ci New Cumberland Cou Cumberland State PA Ti Code 17070 Client Stone LaFaver & Shekletski APPRAISAL AND REPORT IDENTIFICATION This Appraisal Report Is ~ of the following types: ^ Self Contained (A written report prepared under Standards Rule 2-2(a) ,persuant to the Scope ofi Work, as disclosed elsewhere in this report.) ® Summary (A written report prepared under Standards Rule 2-2(b) ,persuant to the Scope of Work, as disclosed elsewhere in this report.) ^ Restricted Use (A written report prepared under Standards Rule 2-2(c) ,persuant to the Scope of Work, as disclosed elsewhere in this report, restricted to the stated intended use by the specified client or Intended user.) Comments on Standards Rule 2-3 I certify that, to the best of my knowledge and belief: -the statements of fact contained in tfrs report are true and correct. -the reported analyses, opinions, and conclusions are limtted onry by the reported assumptions and limiting conditions and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. - I have no (or the specified) present or prospective interest in the property that is the subject of this report and no (or the specified) personal interest with respect to the parties involved. - I have no bias with respect to the property that is the subject of ties report or to the parties involved with this assignment. - my engagement in this assignment was not contingent upon devebping or reporting predetermined results. - my compensation for completing firs assignment is not contingent upon the devebpment or reporting of a predetermined value or direction in value that favors the cause of the cUent, the amount of the value opinion, the attainment of a stipulated resurt, or the occurrence of a subsequent event directly related to the intended use of tNs appraisal. - my anayses, opinions, and conclusions were developed, and ttrs report has been prepared, in conformity with the Urrform Standards of Professional Appraisal Practice. - I have (or have not) made a personal inspection of the property that is the subject of this report. pf more than one person signs ttrs certification, the certification must clearly specify which individuals did and which individuals did not make a personal inspection of the appraised properly.) - no one provided signrficant real property appraisal assistance to the person signing tt>is certification. (If there are exceptions, the name of each individual providing significant real property appraisal assistance must be stated.) Comments on Appraisal and Report Identification Note any USPAP re{ated issues requfrinp disclosure and any state mandated requirements: This a sisal is based on the h othetical condition that the roe is ful converted to si le fami use. APPRAISER: SUPERVISORY APPRAISER (only If requlred~: Signature: Signature: Name: Ro ert I. Cassel. Certified Residential Appraiser Name: Date Signed: September 21.2010 Date Signed: State Certification #: R!_139417 State Certification #: or State License #: ar State License #: State: PA State: Expiration Oate of Certification or License: 6/30!2011 Expiration Date of C~t'rfication or License: Supervisory Appraiser inspection of Subject Property: Effective Date of Appraisal: March 17.2010 ^ Did Not ^ Exterior-only from street ^ Interior and Exterior Form ID06 - "WinTOTAL"appraisal software by a la mode, inc. -1-800-ALAMODE Suenlelnental Addendum File No. 'I(1n9R3R Owner Vera F Neish & Gordon Bomber er Pro Address 431 Market Street Ci New Cumberland Coun Cumberland State PA L Code 1707'0 Client Stone LaFaver 8 Shekletski APPRAISER'S CER I IFIGA I tUN: r ne Appraiser cenmes ana agrees mai: 17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. Every effort has been made to conform to FNMA, FHLME and FHLBB guidelines and, in most cases, an even stricter interpretation found common to most investors in the secondary market. The appraiser has chosen what are believed to be the best comparable sales available from the ma-icet search. Adjustments in the "SALES COMPARISON ANALYSIS" are based on market extraction, not cost figures. Occassionally it is necessary to use comparables that have adjustments exceeding 10% of the comparable's safe price, that have net adjustments more than 15% of the comparable's sale price, that have gross adjustments exceeding Z5% of the comparable's sale price, that are located more than three miles from the subject and/or that occurred more than six months prior to the date of the appraisal. Since not every subject property can be compared to "idea{" comparable sales, the appraiser has chosen the best sales available from the market search which most closely conform to investors underwriting guidelines. Form TADD -'WinTOTAI' appraisal software by a la mode, inc. -1-800-ALAMODE ENVIRONMENTAL ADDENDUM AePABE~II* HAZARDOUS SUBSTANCES AND/OR DETRIMENTAL ENVIRONMENTAL CONDITIONS Owner Vera F Neish & Gordon Bomberger Address 431 Market Street City New Cumberland County Cumberland State PA dip code 17070 Stone LaFaver 8 Shekietski *Apt~a[~S is defined ea that which la vfaible, obvious, ev{dent or manNeat to the appralaer. This universal Environmental Addendum is for use with any real estate appraisal. Onty the statements which have been checked by the appraiser apply to the property being appraised. This addendum reports the results of the appraiser's routine inspection of and inquiries about the subject property and its surrounding area. N also states what assumptions were made about the existence (or nonexistence) of any hazardous substances and/or detrimental environmental conditions. ThR aooralaer la not an exuert environmental ]p~~ and therefore rnigM be unaware of e>osting hazardous substances and/or detrimental environmental conditions which may have a negative effect on the safety and value of the property. Nis possible that tests and 'inspections made by a qualified ernironmental inspector would reveal ttre existence of hazardous materials and/or detrimental environmental conditions on or around the property that would negativety affect its safety and value. "X" Drinking Water is supplied to the subject from a municipal water supply which is considered safe. However the onty way to ba absolutely certain that the water meets pubished standards is to have N tested at all discharge points. Drinking Water is supplied by a weN or other non-municipal source. Nis recommended that tests be made to be certain that the property is supplied witit adequate pure water. "X" Lead can gel into drinking water from its source, the pipes, at all discharge points, plumbing fixtures and/or appliances. The only way to be certain that ~vater does not contain an unacceptable lead level is to have N tested at aN discharge points. "X" The value estimated b this appnisal b based on the aaumption that there is an adequate auppty of safe, toad-tree DrMkirty Wstsr. Comments "X" Sanitary Waste is removed from the property by a municipal seww system. Sanitary Waste is disposed ~ by a septic system or other sanitary on site waste disposal system. The only way to determine that the disposal system is adequate and in good woridng condition is to have N Inspected by a qualified inspector. "X" The value esdmaterl >n this appaial is bated on the aasumptbn that the Sanitary Waste is dbposed of by a municipal sewer or an adequate propery pe~rtnitted alternate treatment system fn good oonditlon. Comments "X" There are no 3ppettilb signs of Soii Contaminants on or near the subject property (except as reported in Comments bebw). Nis possible that research, inspection and testing by a qualified environmental inspector would reveal existing and/or potential hazardous substances and/or detrimental eniironmental conditions on or around the property that would negativety affect its safety and value. "X" The value estimated h this tppraisel is t-ased on the auumption that the subject property k frte of SoN Contamkrerrb. Comments "X" AN or part of the improvements were constructed before 1979 when Asbestos was a common building material. The only way to be certain that the property is free of friable and non-friable Asbestos is to have it inspected and tested by a qualrfied asbestos inspector. The improvements were constructed after 1979. No ~QQHts[lt triable Asbestos was observed (except as reported in Comments bebw). "X" The value estmated in this appraisal is based on the assumptbn that there is no uncoMained friebte Asbestos or other hazardous Asbestos material on tt~e property. Comm~rts "X" There were no +i0~[~ leaking Nuorescent tight baNasts, capacitors or transformers anywhwe on or nearby the property (except as reported in Comments bebw). "X" There was no appa[Bllt visible or documented evidence known to the appraiser of soil or groundwater contamination from PCBs anywhere on the property (accept as reported in Comments t>ebw). "X" The value estimated in this appnisal is he=ed on the atsumptbn that there ere no uncor>fahred PCBs on or nearby the property. Comments "X" The appraiser is not aware of any Radon tests made on the subject property within the past 12 months (except as reported in Comments bebw). "X" The appraiser is not aware of any indication that the local water supplies have been found to have elevated levels of Radon or Radium. "X" The appraiser is not aware of any nearby properties (except as reported in Comments below) that were or currently are used for uranium, thorium or radiurn extraction or phosphate processing. "X" The value estimated h this sppreleel h based on the assumption that the Radon bvel b at or bebw EPA recommended tevela. Comments Accu-Fast Appraisals Form 69F -'WinTOTAI" appraisal software by a la mode, inc. -1-800-ALAMODE ain Fla No..1(?09R36T-Paae~ "X" There is no ; visible or documented evidence known to the appraiser of any USTs on the property nor any known historical use of the property that would likely have had USTs. "X" There are no appa[~t petroleum storage and/or delivery facilities (including gasoline stations or chemical manufacturing plants) bcated on adjacent properties (except as reported in Comments bebw). There are tIRRa[~t signs of USTs existing now or in the past on the subject property. h is recommended that an inspection by a qualUied UST inspector be obtained to determine the location of any USTs together with their condition and proper registration if they are active; and if they are inactive, to determine whether they were deactivated in accordance with sound industry practices. "X" The vakie estimated b tltit appreisal b based on the aaaumption that any functioning USTs ere not keking end are propery registered end that any abandoned USTs are free from congminatbn and were properly drained, fgkd and aeabd. Comments k "X" There are no appH[t>Ot Hazardous Waste Sites on the subject property or nearby the subject property (except as r~orted in Comments below). Hazardous Waste Site search by a trained environmental engineer may determine that there is one or more Hazardous Waste Sltes on or in the area of the subject property. "X" The value estimaled h thin appraipl is based on the aaumptbn that theme ere no Hazardous Waste S1tea on or nearby the aubpct property that negatively effect the value or safety of the property. Comments "X" AU or part of the improvements were constructed before 1982 when UREA foam insuhation was a common building material. The only way to be certain ifiat the property is free of UREA tormatdehyde is to have lt inspected by a qualified UREA formaldehyde inspector. The improvements were constructed after 1982. No appetftffi UREA formaldehyde materials were observed (except as reported in Comments bebw). "X" The value estimated in this appreiaal b based on the assumption that there is no afgnlficeM UFFI Insuletbn or other UREA formaldehyde material on the property. Comments "X^ AU ar part of the Improvements were constructed before 1980 when Lead Paint was a common building material. There is no BDAHrEOt visible or known documented evidence of peeling or flaking Lead Paint on the floors, watts or ceiUngs (except as reported in Comments bebw). Tt~e only way to be certain that the property is free of surface or subsurface Lead Paint is to have lt inspected by a qualrfed inspector. The improvements were constructed after 1980. No ;tPRHI'90t Lead Paint was observed (except as reported in Comments below). "X" The value estimated in this epprehal b based on the asaumptbn that there b no flaking or pee~rg lead Paint on the property. Comments "X" There are no; signs of Air Pollution at the time of the inspection nor were any reported (except as reported in Comments bebw). The only way to be certain that the air is free of polkrtion is to have lt tested. "X" The value estimated in this appraisal b booed on the aaumption that the property b free of Ak PoYutbn. Comments "X" The site does not contain any ;tRRit[J~ WeUandsJFlood Plains (except as reported in Comments bebw). The only way to be certain ttrat the site is free of VVetlandsd Flood PNains is to have lt Inspected by a qualrfied environmental professional. "X" The value eatmated b thb apprehal h bred on the assumptbn that there are no Wetiands/Fbod Plains on 111e propeAy (except as reported b Commenks bebw). Comments ,,, "X" There are n0 other apglteffi miscellaneous hazardous substances and/or detrimental environmental conditions on or in the area of the site exc~t as indicated bebw: Excess Nase Radiation + Electromagnetic Radiation Light Pollution Waste Heat Acid Mina Drainage Agricultural Pollution Geological Hazards Nearby Hazardous Property kdectious Medical Wastes Pesticides Qthers (Chemical Storage + Storage Drums, t~ipeNnes, etc.} "X" The value estimated b this apprebal b booed on the aaaumptbn that there aro no MisceNeneoua environmental Hararoa (except those roported above) that would negetivey affect the value of the property. When any of the envkonmert<al aasumptbns made h fhb addendum are not correct, the estimated value in this apprefaal may not be vend. Farm 69F - "WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE }09R36 PaT-ae #2~ Appraiser's Certification (License) Owner Vera F Neish 8 Gordon Bomber er Pro a Address 431 Market Street Ci New Cumberland Cou Cumberland State PA Zi Code 1707'0 Client Stone LaFaver 8~ Shekletskf C~Oi[IInODWeAItII O~ PIitQSYIVlDIIt ~ Q ~ ~ 7 ~1~1'`tt7f~1C'ta~, lt~`~tt Burma of Pra~ion>Iti xn~ ~PAtion~li At'~Airs WJ Bax 2(+~W )f~arrtsbara PA ~'fl~-2i~49 ('ertiltieatr Type \` C'rrt~fkste Stntlas ~, Cnrtllild R~rldtKNlal Appmt}s~~ ACtiw Inittla! C'ertit[ksttaw b+str 1S1i!1~Q06 Rt~Rt I W1SSEt. Certifkate ~1l t3tlliMAYEM t~ItCLE N~ntber t~CHA1tIC>SiltlRG PA 1tf~S5 RL13teµ1T F.xpiratbn Dst~e 0>isl3t~011 c a~+,~.~~a~a +~t~r,~+o~s~+,a.Mt cxw++~~ 1uty~~ ,,~jt; Form MAP.Rent -'WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE n F'I Q~,~)09R36 aP ae #2~ Appraiser's E & 0 Owner Vera F Neish 8 Gordon Bomber er Pro a Address 431 Market Street C' New Cumberland Coun Cumberland State PA ~ Code 17070 Client Stone LaFaver & Shekletski F~ t+e+rr t~,..,~.. .tom: a.y.:rz o.t. Ita+nuo9 rsr ut a+r pato lat:uod: Poll Nwnb+er~ Ptwloua Poll Nuttnbor. ~zravzao~ 1.1 ~'UIQ97.~~-tNld (.{uo~na~~,.nas REAL ESTATE APPRAISERS PROFESSIONAL LIAl1ILITY t.iberty_ Irwuraacc~ tiaal~exwrits~rw tyt[:. '1'HiG IC .~ Ct..1T~15'~1ADF Alb REP()TiTF't) P()t.It Y. ;S tliatcr Street. 1&rA Thor ALEISE READ IT C.1.REFL!LLY. tir~~ YtN'k. tit" llRl4i LtBERT1' 1~SURANt'G t3'~DBRVYAiT1;R~, I`C.. (Itereia cslkd "tbc Carrpaa}."- ucm DF.C'LARAT[ONS Tlw Uee+wuYons Page+ kygeelt~ur with Bw c.rn~ietYO ar+d YtQ~! Pd~cy RFpAicatitin ix:ruds~y aN ,tpuchn~nw +nd esh~bgt tt+urel4. yne the ~ t+.. s ~ >,e,te, +e~s nn ~ rnr. Me . .~e vws ay LIA001 (OTt()1} Au zed Signature 1. L:natotncr tt): I Ell t^S Va<e-ed lo:wred: ACCt:-FA5'f APP[tA15AL5 Rahcrt I. ('assci 7l2 Surtiwrcn C.'irclu ~+f~chunic`hurp, PA 1 TASS 2. Polir~ Pcrind: Frnm: i 2:'g4iZOMt '1'0: l 2:`t)~"al i 0 i 2:111 A.VI. Shtntlxrd Tin>r at tt~ irdJtc,w ,tt~IrJ io ltcm l 3. 1)eduetibk: S1,IIU0 Emch C'Ixim i, Retroacti.c Daa: 1?-O.tr3f)pG S. )merptinn Date: 1;?tla."~(KN4 6, l.lmib oY 1.ittbUlty: Tbr Litni• v[ l.iabilit} trr Each Chita sand is A. S t,+.tttti,lilAt F.uch ('lam the A~reEate i+t reduced b~ t)amai2eu attd 11. S7.(Ni~ IlfXt Agyngrtte Claims Fxpettaet< as dclieed itt thr PnlicY. 7. Hail AU ~otkct to Apcnt: Lt~Ailih ttnsuratnce .~dministrcton 16UU Aoarapa StreN laattt Bat'bara. Crli/ornia 931111 (~05! 963-6624; Fas: (8QS) %2-Q6S2 >l. Aaanat tretdaw: ;l .237 .00 9. Vatnber o! Appral+ters: t 1t1. Forms attarbed a+ iattte: t.l.~~it: (n7mt) I.L4 PA (n7lMI ) I.T.~IN)9 (10/81) i.tAA12 (Mmi) LUO1S (07p1) L1Atl1b N7re1} LlAa20 (0'frot) Fonn MAP.(ieneric -'WinTOTAI" appraisal software by a la mode, inc. -1-800-ALAMODE Appraiser's Resume -Page 1 Owner Vera F Neish 8 Gordon Ebmbe er Pro a Address 431 Market Street Ci New Cumberland Cou Cumberland State PA 7a Code 17070 Client Stone L,.aFaver 8 Shekletski .. vvQ• s. s• wa~~• ?2~ $unhi~vCn Qrde Mechanit~urg, PA 13455 317-514-5380.. rcassd~+ acw-fa~t.net SKILLS SUMMARY A diverse 6adcgrouru~ in bath comrneraal and rrsiderttial appraisals w~h oti 10 years of experience irti the .same market. A solid jai estate ediucakional ,t~leground. EMPLOYMENT: Cer#iRed AppraiserjPrc~prietor (10!2046) ]anaury 2D135-Pre Amr-Fast Appraisals Ffe~harri~bur'+~, P~4 • Resp~t~blefor all aspects of inspectiran, research, valuation and apart ©i'real prvPe-'tY appraises of single family and 2-4 family pr~e:rties. Appraisal Trainee - Appraisals Pkrs May 3004-:)anu~ryr i3ean A. Kelly Appraiser Ftters, PA Assisted the s~erlior appraiser in all aspects flf performing residential real estate appraisaf~. Appraisal Tra~ee -Mark i.. Hebert: August 2aQ~-May Appraise" Maehanr~bur~, PA • Assisted the senior,appraF,er in all a of performing residential real Estate appraisals, Appraisal Trakree - Thorrras F. O`BynrtMe 3anuary 2992-hiaezFt 2 Appraises" Afe~trar~~csbuF~, PA • Assisted the sertior appraiser in at aspect1s of perfarrning commercial an residerkiai real estatt appraisals EDUCAtIOM 8.8.A. in Rt~l Estate and Law - 1992 Tefn~rfe Uruvexsityr Pi~~thi~ PA LISPAP - 1944 R,aEltrors r~txr~rt- LiSPAP -,2003jLipdaE~ 2o07/update 249 T'he Inststuta of Rena{ Estate Stuaiss QuaMty Assu~oe in Resideattial Appraisals Ttnt ~~praisa# Inst~tufa Appraisal ReVtew and the Re~ri~ring Prxess Ekrn Paul 5 hearer form SCNLGH - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE 'n 'I , No.1009R36 Paoe #31 Appraiser's Resume -Page 2 Owner Vera F Neish 8 Gordon Bomber er Pro Address 431 Market Street Ci New Cumberland Cou Cumberland State PA r Code 17070 Client Stone L.aFaver 8< Shekletski ptica~ions ant! Restricttians at the Cost APPrn to Vatue n Pal ~,h~arer un tnudion Dt~ai1 anti Trends ~Ktssodc Cerny pr~a~sing RiA Today. rKrssoak Car~par~y praisat 7rerwds c~Gssodc Gamey Form SCNLGti - "WinTOTAL• appraisal software by a la mode, inc. -1-800-ALAMODE