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HomeMy WebLinkAbout12-21-10_ ~ -ti 1505610101 REV-1500 Ext°l.l°' PA Department of Revenue Pennsylvania Bureau of Individual Taxes OC~tA7H(NT Of ~°NUHERITANCE TAX RETURN PO BQX 280601 .Harrisburg, PA 1'7128-o6oi RESIDENT DECEDENT OFFICIAL USE ONLY ounty Code Year File Number _...... . ~L +.... I~ . ~ OV~ Date of Birth MMDDYYYY 06/29/1946 Decedent's First Name MI William R _._ Spouse's First Name MI i i I ....__.._._....__ .............___.__._..._w:._.~._,..___._..~_........ , THIS RETURN MUST BE FILED IN DUPLICATE WITH THE ______...._._.______._.___~.__._._..____.._._.__......__..._' REGISTER OF WILLS FILL 1N APPROPRIATE OVALS BELOW ~ 1. Original Return O 4. Limited Estate O 6. Decedent Died Testate (Attach Copy of Will} O 9. litigation Proceeds Received O 2. Supplemental Return O 4a. Future Interest Compromise (date of death after 12-12-82) O 7. Decedent Maintained a Living Trust (Attach Copy of Trust) O 10. Spousal Poverty Credit (date of death between 12-31-91 and i-1-95) O 3. Remainder Return (date of death prior to 12-13-82) Q 5. Federal Estate Tax Return Required 8. Total Number of Safe Deposit Boxes O 11. Election to tax under Sec. 9113(A) (Attach Sch. O) CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED T0: Name Daytime Telephone Number ~_ ~.._._~.._..._._,.___.___.._..__.___~___..~.~__ ___ ____.____._._____._______w...__..___._ ;... ;Cynthia von Schlichten ; (717) 234-7828 REGISTER OF WILLS USE ONLY r..~ First Ime of address _...._..... .._._.. _ _..._. .. _ _..... . __ ._ _ ....... . . .... ....... . _... _ . __.___ .... _._ ... _ .._ _.._f ;~"~ RJ Marzella & Assoc _ .. _ .._. _ __ ._ _ _ _ _ _~ _ ___ ._ __ _ ~ ,Q Second line of address ~ I"~3 ,,,. w_ _._._ ________._____._______._~.___r___._._._____._.___.__.__.____~._____.~._.__._, ~...~~ ~., ~.~ 3513 North Front St ~"` ._ _ _.__-___-.~ ED ..~ ~, City or Post Office State ZIP Code _ _ 9 _ I PA 117110 ~-p :: ~..... ti ~..:.I Correspondent's a-mail address: cvonschlichten@_rjmarzella.com Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete. Declaration of preparer other than the personal representative is based on ail information of which preparer has any knowledge. SIGNATURE OF PERSON RESPONSIBLE FOR FILING RETURN DATE ADDRESS 101 Delaware Avenue, West Chester, PA 19380 SIGN RE OF PREPARER OTHER THAN REPRESENTATIVE DATE ADDRESS 3513 North Front Street, Harrisburg, Pa 17110 PLEASE USE ORIGINAL FORM ONLY Side 7 ~, 1505610101 1505610],0], f } J 1505610],05 REV-1500 EX Decedent's Social Security Number oecedent•s tvame: William R Weber ` 202-36-5990 RECAPITULATION 1. Real Estate (Schedule A)........... .................................. 1. 70,000.00 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. 6. Jointly Owned Property (Schedule F) O Separate Billing Requested ....... 6. 7. Inter-Vivos Transfers 8~ Miscellaneous Non-Probate Property (Schedule G) ©Separate Billing Requested........ 7. 8. Total Gross Assets (total Lines 1 through 7) ............................. 8. 9. Funeral Expenses and Administrative Costs {Schedule H) ................... 9. 10. Debts of Decedent, Mortgage Liabilities, and Liens (Schedule I) ........... . .. 10. 11. Total Deductions (total Lines 9 and 10) ................................. 11. 12. Net Value of Estate (Line 8 minus Line 11) .............................. 12. 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. TAX CALCULATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or trans ers under Sec. 9116 (a)(1.2) X .0~ 15. 16. Amount of Line 14 taxable -.'.~ _ , a. "..~" """."'.`"`"`~` "" °".~` at lineal rate X .0 _ 16. 17. ..~H,...~,.~.n. ,....,,,.~.....~..~..,r..w,...~.~~,~.~_,.~..__....~.~:. Amount of Line 14 taxable " at sibling rate X .12 553,155.96 1~. 18. ,.~,. ...,... ....,._ ._.~~.. _.,m.~.~..~..~w,_~_. T.~._.v Amount of Line 14 taxable at collateral rate X .15 18. 19. TAX DUE ......................................................... 19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Side 2 15056],0105 150561D105 0.00 0.00 0.00 23,012.36 0.00 468,862.47 561,874.83 8,033.17 685.70 8,718.87 553,155.96 0.00 553,155.96 0.00 3 0.00 66, 378.71 66,378.71 O J s REV 1500 EX Page 3 File Number Decedent's Complete Address: DECEDENT'S NAME William R Weber STREET ADDRESS 722 Bosler Avenue CITY STATE ZIP Lemoyne PA 17043-1818 Tax Payments and Credits: 1. Tax Due (Page 2, Line 19) 2. Credits/Payments A. Prior Payments B. Discount 3, 318.94 3. Interest 4. If tine 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. (1) Total Credits (A + B } (2) (3) (4) (5) 66,378.71 3,318.94 0.00 63,059.77 Make check payable to: REGISTER OF WILLS, AGENT. .~. . PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred :............................................................................... ........... ^ b. retain the right to designate who shall use the property transferred or its income : ................................. ........... ® ^ c. retain a reversionary interest; or .......................................................................................................................... d. receive the promise for life of either payments, benefits or care? ........................................................... ........... ^ 2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? ................................................................................................... ........... ® ^ 3. Did decedent own an "in trust for" or payable-upon-death bank account or security at his or her death? ... ........... ^ 4. Did decedent own an individual retirement account, annuity or other non-probate property, which contains a beneficiary designation? ............................................................................................................. ........... ® ^ !F 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 is 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)J. 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)j. • 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 j72 P.S. §9116(a)(1.3)J. Asibling is defined, under Section 9102, as an individua! who has at least one parent in common with the decedent, whether by blood or adoption. t ~ REV-1502 EX+ (11-03) ~~~~ ~ pennsylvania SCHEDULE A DEPARTMENT OF REVENUE REAL ESTATE INHERITANCE TAX RETURN c ~ Client Barbara Ruf File No. 100014 Pro ert Address 722 Bosler Avenue Ci Lemo ne Coun Cumberland State PA Zi Code 17043-1818 Lender TABLE OF CONTENTS letter of Transmittal ......................................................................................................................................................................................................... 1 Summary of Salient Features ............................................................................................................................................................. ...... ............ . 2 GP Residential ...................................................................................... 3 Supplemental Addendum .................................................................................................................................................................................................. 6 Statement of limiting Conditions ........................................................................................................................... .......................................................... . 7 Additional Comparables 4-6 .............................................................................................................................................................................................. 9 Supplemental Addendum ......................................................................................................................................................... ............ 10 Market Conditions Addendum to the Appraisal Report ..................................................................................................................................................... 14 Subject Photos .................................................................................................................................................................................................................. i5 Subject Photos ...................................................................................................................................................................................................... ........ .... 16 ................ Subject Photos Interior ...................................................................................................................................................................... ................ 17 Subject Photos Interior ........................................................................................................................................... ........................................................... 18 Subject Photos Interior ...................................................................................................................................................................................................... 19 ................. Subject Photos Interior .......................................................................................................................................................... ......................... 20 Subject Photos Interior ...................................................................................................................................................................................................... 21 Comparable Photos 1.3 ..................................................................................................................................................................................................... 22 Comparable Photos 4-6 ................................................................................................................................................ ..... ................................................ 23 Building Sketch (Page- 1) ........................................................................................................ ......................................................................................... 24 Location Map ..................................................................................................................................................................................................................... 25 Aerial dew of Subject ......................................................................................................................................:................................................................. 2G GEED -PAGE 1 ........................................................................................................................................................................................ ..... 27 DEED -PAGE 2 .............................................................................................................................................. ,.... 28 GEED -PAGE 3 .................................................................................................................................................................................................................. 29 Appraiser Disclosure Statement ........................................................................................................................................................................................ 30 PA Certification .................................................................................................................................................................................................................. 31 E&0 Insurance ................................................................................................................................................................................................................... 32 Form TOCP3X5 -'WinTOTAI' appraisal software by a la mode, inc. -1-800-ALAMODE in it 1 1 LANDREA APPRAISALS 611 ALISON AVENUE MECHANICSBURG, PA 17055 DATE: November 2, 2010 Re: Property: 722 Bosley Avenue Lemoyne, PA 17043-1818 Borrower: N/A File No.: 100014 In accordance with your request, I have appraised the above referenced property. The report of that appraisal is attached. The purpose of this appraisal is to estimate the retrospective market value of the property described in this appraisal report, as improved, in unencumbered fee simple title of ownership. The retrospective date of this appraisal is September 17, 2010, which is the date of death of William R. Weber. The subject property was physically observed on October 26, 2010. This report is based on a physical analysis of the site and improvements, a locational analysis of the neighborhood and city, and an economic analysis of the market for properties such as the subject. The appraisal was developed and the report was prepared in accordance with the Uniform Standards of Professional Appraisal Practice. The value conclusions reported are as of the effective date stated in the body of the report and contingent upon the certification and limiting conditions attached. tt has been a pleasure to assist you. Please do not hesitate to contact me if I can be of additional service to you. Sincerely i La ence .Fury CERTI SIOENTIAL APPRAISER Rt_139824 M in Fil 4 P SUMMARY OF SALIENT FEATURES Subject Address Legal Description See Oeed Book 33Y Page 776 (Attached) _ City Lemoyne _ County Cumberland State PA Zip Code 17043-1818 Census Tract 0106.00 Map Reference SEE APN Sale Price $ NIA Date of Sale N/A Client ~ Barbara Ruf Lender Size (Square Feet) 1,570 Price per Square Foot S Location Average Age 1932 Condition Average Total Rooms 7 Bedrooms 4 9aths 2 Appraiser Laurence L. Furr Oate of Appraised Value September 17, 2010 final Estimate of Value 3 70,000 form SSD - `WinTDTAL` appraisal software by a la mode, inc. - t-800-ALAMODE Landrea Appraisals - www.Landrea.com Fil P R ESIDENTIAL APPRAISAL SUmmAt~tY rctrvrc ~ FileNo.: 100014 Pro Address: 722 Bosler Avenue Ci :Lemo ne State: PA Zi Cade: 17043-1818 t- Coun :Cumberland Le al Descri lion; See Deed Book 33Y Pa a 776 Attached ' v s Parcel #: 12-22-082-4070 Assessor Tax Year: 2010 R.E. Taxes: S ~,soo a rox S ecial Assessments: S NONE Borrower it a ticable : N/A ~ Current Owner of Record: William R. Weber Occu ant: Owner Tenant Vacant Manufactured Housi N Pro'ect T e: PUD Condominium Coo erative Other describe HOA: E N/A er ear er month Market Area Name: 8orou h of Lemo ne Map Reference: SEE APN Census Tract: 0106.00 The u ose of this a raisal is to develo an o inion of: Market Value as defined , or other a of value describe Tftis re rt reflects the followin value d not Current, see continents : Current the Ins action Oate is the Effective Date Retros active Pros active z A oaches develo ed for this a raisal: Sales Co orison A roach Cost A roach Income A roach See Reconciliation Comments and Sco a of Work ~ Pro Ri hts raised: Fee Sim le Leasehold Leased Fee Other describe ~ Intended Use: The intended use of this appraisal report is to establish a market value of the subject property for tax purposes and for the settling to of an estate. q Intended Users name or e : Barbara Ruf executor of the estate and her counsel C nthia M. von Schtichten Es titre CGent: Barbara Ruf Address: 102 Delaware Avenue West Chester PA 19380 A raiser. Laurence ~. Farr Address: 611 Alison Avenue Mechanicsbur PA 17055 Location: Urban Suburban Rural Predominant One-Unit Housing Present Land Use Change in land Use " Built up: ^ Over 75% ®25-75% ^ Under 25% Occupancy PRICE AGE One-Unit 85 % ®Not Likely 0 Growth rate: ^ Rapid ®Slable ^ Slow ®Owner 95% ~(~) (yrs) 2-4 Unit 10 % ^ Likely * ^ In Process ~: Property values: ^ Increasing ®Slable ^ Declining ®Tenant 5% 25 Low 25 Multi-Ural % * To: Demand/supply: ^ Shortage ®In Balance ^ Over Supply ®Vacant (0-5%) 150 Hi h 125+ Comm'I 5 % y Marketin time: ^ Under 3 Mos. 3.6 Mos. ^ Over 6 Mos. ^Vacant >5% 75-100 Pred 70+ % o Market Area Boundaries, Description, and Market Conditions (including support for the above characteristics and trends): See Form 1004MC and comment addendum for details. oC a W Y. OC Dimensions: See le at descri lion Deed attached Site Area: 0.06 Acres Zoning Classification; R Description: Residential Zoning Compliance: Legal Le al nonconformi randfathered ^ Illegal No zoning Are CC&Rs a ticable? Yes No Unknown Have the documents been reviewed? Yes No Ground Rent it a plicable S N/A/ " Highest & Best Use as improved: ®Present use, or ^ Other use (explain) -: Actua! Use as of Effective Date: Single family residential Use as appraised in this report: Sin le famil residential Summary of Highest & Besl Use: In the appraisers opinion the maximally productive use of the subject site is "as currently improved" with the most probable purchaser of the property being a buyer seeking a single family residence. M. a ~ Utilities Public Other Provider/Description Off-site Improvements Type Public Private Topography Level w Electricity ® ^ Unknown Street Asphalt ® ^ Size 0.06 Acres g Gas ® ^ Unknown Curb/Gutter Concrete ® ^ Shape Recfan afar -W - Water ® ^ Unknown Sidewalk Concrete ® ^ Drainage Avera e _ `~ Salutary Sewer ® ^ Unknown Street Lights Yes ® ^ View Avera e Storm Sewer ® Unknown Alle As halt Oher site elements: Inside Lot Corner lot Cul de Sac Under round Utilities ^ Other describe FEMA S ec'I Flood Hazard Area Yes No FEMA Flood Zone X FEMA Map # 42041 C0282E FEMA Map Date 3/16/2009 -_; Site Comments: The size shape and landscaping of the site is typical of sites in the area. No apparent adverse easemenfs, encroachments, `~ special assessments slide areas etc negatively affect the value No known or observed adverse environmental conditions were noted at the time of the inspection for this appraisal _ General0escriation Exterior0escription foundation Basement None Heating # of Uruts 1 f^ Acc.Unit Foundation Concrete Block Slab NIA Area Sq. Ft. 63 Type FWA " # of Stories 2.5 Exterior Walls Brick Aluminum Crawl Space N/A % Finished Fuel Oil Type ^ Oet. ^ Att. ®Semi-Del. Root Surface Com -Shin le Basement Full Ceiling Wood .foists Design (Style) Traditional Gutters & Ownspts. Metal Sump Pump ^ Walls Conc. Block Cooling None °' ®Existing ^ Proposed ^ Und.Cons. Window Type 0-Hun Dampness ^ Fbor Concrete Central N Actual Age (Yrs.) 1932 StormlScreens Insulated Settlement None noted Outside Entry Yes Other W Effective A e rs. 25A Infestation None noted ~ Interior Description Appliances Attic ^ None Amenities Car Storage ^ Norte Fbors Hardwood Refrigerate ®Stairs ®Freplace(s) # 0 Woodstove(s) # Garage # of cars ( 1 Tot.) ~ Walls Plaster Range/Oven ®Orop Stair ^ Patio Attach. Trin~tush Wood Disposal ^ Scuttle ^ Deck Detach. 1 w Bath Floor Vin Dishwasher ®Doorway ^ Porch Front and Rear Blt.-In ~ Bath Wainscot Fiber lass Fart/Hood ®Fbor ^ Fence Carport Doors Wood Microwave ^ Heated ®Pool Driveway Z Washer/Dr er finished Balcon Rear - 2nd floor Surface ~ Finished area above rode contains: 7 Rooms 4 Bedrooms 2 Baths 1,570 S tiara Feet of Gross Livi Area Above Grade a Additional features: See narrative addenda w Describe the condition of the property (including physical, functional and external obsolescence): No forms of functional or external obsolescence were noted G during the inspection See narrative addenda for additional details. Copyright® 2007 by a u mode, inc. This form may be reproduced unmodified without written pemrission, however, a la mode, inc. must be acknowledged and credited. m RED! [~EN71A~. Form GPRES2 -'WinTOTAL"appraisal software by a la mode, inc. -1-800-ALAMODE 3/2007 R ESIDENTIAL APPRAISAL SUMMARY REPORT FIeNo.: 100014 '~ My research did did not reveal any prior sales or transfers of the subjec! property for the three years prior to the effective date of tfus appraisal. Oata Sources : DeedlLocat Multi-List Service Q 1st Prior Subject SaleJTransfer Analysis of sale/hransfer history and/or any current agreement of sale/ksting: N Date: Price: w Sources ur`i 2nd Prior Subject Sale/Transfer Z Date: Price: Sources SALES COMPARISON APPROACH TO VAL UE if develo d The Sales Co orison Ap roach was not developed for this a raisal. FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 '.` Address 722 Bosley Avenue Lemo a PA 17043-1818 408 Bosley Avenue Lemo a PA 17043 1227 Bridge Street New Cumberland PA 17070 220 Reno Avenue New Cumberland PA 17070 Pro>emi to Subject 0.27 miles NE 1.39 miles SE 2.13 miles SE Sale Price $ N/A $ 69 000 $ 72 000 $ 87 900 Sale Price/GlA $ /s .ft. $ 37.28 /s .tt. $ 34.30 /s .ft. $ 52.32 /s .it. `' Data Sources Deed/Tax CPML #10195162 CPML #10194039 CPML #10192747 Verification Sources tns ection OOM 7/MLS Data DOM 55/MLS Data DOM 12/MLS Data `: VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad'ust. DESCRIPTION + - $ Ad'ust. DESCRIPTION + - $ Ad'ust. `'` Sales or Fnancing Concessions N/A N/A Cash None Revealed Conventional None Revealed Conventional $5 500 -5 500 Date of Sale/Time N/A 07/21!2010 07/23/2010 06/07/2010 Ri hts A raised Fee Sim le Fee Sim le Fee Sim le Fee Sim le ' Location Avera a Avera a Avera a Avera e ',` Site 0.06 Acres 0.07 Acres 0.11 Acres 0.06 Acres "` View Avera a Avera a Avera a Avera e Desi n S le Traditional Traditional Traditional Traditional Ouali of Construction Brick Aluminum Brick Brick Vin +1 500 A e 1932 1920 1922 1905 ~" Condition Avera a Avera a Avera a Avera e Above Grade Total Bdrms Baths Total Bdrms Baths Total Bdrms Baths Total Bdrms Baths Roorn Count 7 4 2 8 4 1 +1 500 8 5 1 +1 500 9 4 1 +1 500 Gross Livin Area 1 570 s .ft. 1 851 s .ft. -2 810 2 099 s .fl. -5 290 1 680 s .ft. -1 100 ='~ Basement & Finished Rooms Below Grade Full Unfinished Full Unfinished Full Famil Room -1 500 FuN Unfinished Functional Utili Avera a Avera a Avera a Avera e ', Heatin Cootin OFWA/No OFWA/No OHWBB/No GFWAJCA -2 500 Eraer Efficientftems Thermal Windows Similar Similar Similar Q Gaya a/Car ort 1C Det. Gaya a Off Street +1 000 Off Street +1 000 Off Street +1 000 ~, Porch/Patio/Deck 2 Porch,Balcon Porch Balcon +1 000 Porch Oeck +1 000 Porch +2 000 a n ;Q z _N Q Net Ad' stment otal + - $ 690 + - $ -3 290 + $ -3 100 y' Adjusted Sale Price of Comparables ', ~~ '~ ~~ ~~ ~~ - ,. ~ ~~ $ 69,690 - ":-~ ~~~~. . ~ :' $ 68 710 ~ ~ $ 84,800 v> Summary of Safes Comparison Approach All sales are closed transackions and the dates utilized are settlement dates not contract dates. All sales Comparables used are considered equal indicators of value and weighed equally in the final reconciliation. Acomplete and thorough search of the local multi-list services and/or public records was conducted as of the effective date of this appraisal. The search was for similar ~'~' sales within a 12-month period and the neighborhood described herein for the like kind comparable sates with similar style, age gross living area {GLA) and condition. The very best available sales were selected for this report. Indicated Value b Sales t;om orison A roach E 70 000 Copynght0 21x17 by a la mode, nc. This form may be reproduced unmodified without written permission, however, a la mode, krc. must tk acknowledged and wedded. (~' ' RES [ D E IVTIAL Form GPRES2 - °wnTOTAI' appraisal software by a la mode, inc. -1-800-ALAMODE x/2007 M i Fil N .1 4 RESIDENTIAL APPRAISAL SUMMARY REPORT FileNe__ 100014 COST APPROACH TO VALUE if devefo d The Cost A roach was not develo ed for this ap raisal. Provide ode uate information for re lication of the folbwi cost fi ures and calculations. Support for the opinion of site value (summary of comparable land sales or other methods for estimating site value}: Oue to the lack of similar vacant lot sales in the subject's immediate market area the opinion of the site value was determined using the sales extraction method. The land-to-value ratio is typical for the subject's market area v ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW Source of cost data: Local MLS Data OPINION OF SITE VAIUE ................................................................ _$ 20 000 DWELLING S .Ft. @ $ . _$ p Ouali tali from cast service: N/A Effective date of cast data: 09/17/2010 S .fl. @ $ . _$ a Comments on Cost Approach (gross living area calculations, depreciation, etc.): S .Ft. @ $ . _$ a On homes of this ape the Cost Approach is not a reliable source fora S .Ft. $ . _$ N v value indicator due to the difficulty in determining depreciation and . obsolescence. An estimated cost for the lot was determined utilizing the S .Ft. @ $ . _$ - _$ sales extraction method. Also not performing a complete Cost Gara e/Car orf S .Ft. $ _$ ;` Approach is based on FNMA guideline 64-1.4-19. Toia! Estimate of Cost-New . _$ Less Ph sical Functional External De reciation =$ De reciated Cast of Im rovements .............................._............. _$ "As-is" Value of Site I rovements ............................................. _$ =b _$ Estimated Remairun Economic Life if r wired : 35 Years INDICATED VALUE BY COST APPROACH ..................................... _$ NIA x INCOME APPROACH TO VALUE if develo d The Income A roach was not develo ed for this a raisal. 0 Estima-ed Montf~ Market Rent $ X Gross Rent Multi lien = $ Indicated Value b Income A roach o: a; Summary of Income Approach (including support fOr market rent and GRM):The subject property is located in an area of predominantly owner occupied single tamily homes In this particular area the income approach is not meaningful and has not been utilized. Q i;L - ~'. a U PROJECT INFORMATION FOR PUDs if a licable The Subject is art of a Planned Unit Development. Le al Name of Pro'ect: o ~' Describe common elements and recreational facilities: a Indicated Value b :Sales Com orison A roach $ 70 000 Cost A roach (if devefo d} S NIA income A proach (A develo ed) S `` Fnal Reconciliation The subject property is located in an area of predominantly owner occupied single family homes. In this particular area, the income approach is not meaningful and has not been utilized The cost approach is also not considered to be reliable due to the subject's ape '- and is not required under Fannie Mae guideline 84-1.4=19. z o. g J` 0 U Ttus 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 following repairs or alterations on the basis of a Hypothetical Condition that the repairs or alterations have been completed, ^ subject to the following required inspection based on the Extraordinary Assumption that the condition or deficiency does not require alteration or repair: w rr This r ort is also sub'ect to other H otheticaf Conditions and/or Extraordina Assum lions as s ecified in the attached addenda. '-' Based on the degree of inspection of the subject property, as indicated below, defined Scape of Work Statement of Assumptions and Limiting Conditions, and Appraiser's Certifications, my (our) Opinion of the Market Value (or other specified value type), as defined herein, of the real property that Is the subject of this report is: S 70,000 , as of: September 17, 2010 ,which is the effective date of this appraisal. if indicated above, this Opinion of Value fs subject to Hypothetical Conditions and/or Extraordinary Assumptions included in this report. See attached addenda. w ~, a' Q A true and complete copy of iris report contains "s4 pages, including exhibits which era co~~sidered a.. iiitc"y"rat pad of the repod. 7tds appraisal report may not be properly understood without reference to the information contained in the complete report. Attached Exhibits: ®Scope of Work ®Limiting Gond./Cerlifications ®Narrative Addendum ®Photograph Atldenda ®Sketch Addendum ® Map Adtlenda ®Additional Safes ^ Cost Addendum ^ Fbod Addendum ^ Manut. House Addendum H othetical Conditions ®Extraordina Assum lions ^ Client Contact: Phone: 610-350-9454 Client Name: Barbara Ruf E-Mail: Address: 102 Delaware Avenue West Chester PA 19380 w ~ a ~ APPRAISER ~ Ap aiser urenc urr C mpan • Landr isats SUPERVISORY APPRAISER (if required) ar CO-APPRAISER (if applicable) Supervisory or Ca-Appraiser Name: Company: ~ P (717) 592-8973 Fax: (717) 691-7985 E-Mail: IarryfurrC~landrea.com Phone: Fax: E-Mail: ' Oate of Report (Signature): November 2. 2010 License or Certification #: RL139824 State: PA Designation: PA. Certified Residential Appraiser Date of Report (Signaturej: License or Certification #: State: Designation: Expiration Date of License or Certification: 6/30!2011 Inspection of Subject: ®Interior & Exterior ^ Exterior Only ^ None Date of Ins ction: October 26 2010 Expiration Date of License or Certification: Inspection of Subject: ^ Interior & Exterior ^ Exterior Only ^ None Oate of Inspection: t,opynyntrv cwt oy a is mwe, nc. t Ms roan may oe reprowcea unmornrka wTtnout wrmen pertnuslon, However, a ra mooe, mc. must ue acKnowteagea ana creorteo. R E51 D E!~`T[>aL Form GPRES2 - "WinTOTAL' appraisal sonware by a la mode, inc. -1.800-ALAMODE X2007 M i 'I 4 # C~mnlrsntpntal Addendum File No.10n014 -r~------------- Client Barbara Ruf Pra Address 722 Bosler Avenue Ci Lemo ne Coun Cumberland State PA Zi Code 17043-~ 818 lender SCOPE OF WORK In the appraisal of the subject property, the appraiser completed the following steps and analyses: 1. Laurence L. Furr has inspected the interior and exterior of the subject property, the neighborhood, and the comparable sales employed in arriving at the value estimates stated herein and has reviewed the analyses and conclusions that led to the final value estimation. 2. Gathered and analyzed data on regional, city and neighborhood characteristics. 3. Gathered pertinent data regarding the subject property, land sales, and recent improved property sales and rent comparables in the general market area. 4. Analyzed the site characteristics, existing improvements, existing and potential zoning, surrounding land uses, and supply and demand to establish the highest and best use of the site. 5. Analyzed the comparable property data to arrive at a probable range of value for the subject via the cost approach, sales comparison approach, and income approach. (See supplemental addendum for further details regarding the cost approach and the income approach). 6. Reconciled the results of these analyses into a final market value estimate. 7. In connection with this assignment, the appraiser interviewed and/or obtained information from one or more of fhe following sources (See supplemental addendum for further details regarding extent of data research): • Property owner • Zoning Department • Assessor's Office • Real Estate Professionals • Multi-List Services INTENDED USE The intended use of this appraisal report is to establish a market value of the subject property for tax purposes and for the settling of an estate. INTENDED USER The intended user of this appraisal report is the client and their counsel. This appraisal report is prepared for fhe sole and exclusive use of the identified intended users and in accordance with the requests of said client. No additional intended users/third parties are identified by the appraiser. If other parties choose to rely on this report, the appraiser is not obligated to such parties, and it does not result in such parties becoming an intended user. Form TAOD - "WinTOTAI" appraisal software by a la mode, inc. -1-800-ALAMODE .: iF'IN 4 DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under alt 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 welt advised, and each acting in what he considers his 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 sate. '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 taw in a market area; these costs are readily identifiable since the seller pays these costs in virtually alt 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 or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgement. STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is subject to the following conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of it being under responsible ownership. 2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisa! report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand. 5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if they are so used. 6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the normal research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden or unapparent conditions of the property or adverse environmental conditions (including the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied, regarding the condition of the property. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment of the property. 7. The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that he or she considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such iiems That were furnished by other patties. 8. The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional Appraisal Practice. 9. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that completion of the improvements will be performed in a workmanlike manner 10. The appraiser must provide his or her prior written consent before the lender/client specified in the appraisal report can distribute the appraisal report (including conclusions about the property value, the appraiser's identity and professional designations, and references to any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the mortgagee or its successors and assigns; the mortgage insurer; consultants; professional appraisal organizations; any state or federally approved financial institution; or any department, agency, or instrumentality of the United States or any state or the District of Columbia; except that the tender/client may distribute the property description section of the report only to data collection or reporting service(s) without having to obtain the appraisers prior written consent. The appraiser's written consent and approval must also be obtained before the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media. Freddie Mac Form 439 6-93 Page 1 of 2 Fannie Mae Form f004B 6-93 Landrea Appraisals - www.Landrea.com Form ACR_DEFD - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE M in it 14 APPRAISER'S CERTIFICATION: The appraiser certifies and agrees that: 1. I have researched the subject market area and have selected a minimum of three recent sales of properties most similar and proximate to the subject property for consideration in the sates comparison analysis and have made a dollar adjustment when appropriate to reflect the market reaction to those items of significant variation. If a significant item in a comparable property is superior to, or more favorable than, the subject property, I have made a negative adjustment to reduce the adjusted sales price of the comparable and, if a significant item in a comparable property is inferior to, or less favorable than the subject property, I have made a positive adjustment to increase the adjusted sales price of the comparable. 2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the appraisal report. t have not knowingly withheld any significant information from the appraisal report and I believe, to the best of my knowledge, that all statements and information in the appraisal report are true and correct. 3. f stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the contingent and limiting conditions specified in this form. 4. I have no present or prospective interest in the property that is the subject to this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or the estimate of market value in the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property. 5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my compensation for performing this appraisal is contingent on the appraised value of the property. 6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party, the amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my compensation and/or employment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation, a specific valuation, or the need to approve a specific mortgage loan. 7. t performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the effective date of this appraisal, with the exception of the departure provision of those Standards, which does not apply, t acknowledge that an estimate of a reasonable time for exposure in the open market is a condition in the definition of market value and the estimate I developed is consistent with the marketing time noted in the neighborhood section of this report, unless I have otherwise stated in the reconciliation section. 8. t have personally inspected the interior and exterior areas of the subject property and the exterior of all properties listed as comparables in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject improvements, on the subject site, or on any site within the immediate vicinity of the subject property pf which I am aware and have made adjustments for these adverse conditions in my analysis of the property value to the extent that 1 had market evidence to support them. I have also commented about the effect of the adverse conditions on fhe marketability of the subject property. 9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on significant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal report, I have named such individual(s) and disclosed the specific tasks performed by them in the reconciliation section of this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in the report; therefore, if an unauthorized change is made to the appraisal report, I will take no responsibility for it. SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he or she certifies and agrees that: t directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking full responsibility for the appraisal and the appraisal report. ADDRESS OF PROPERTY APPRAISED: _722 Bosley Avenue, Lemoyne, PA 1 7043-1 8 1 8 APPRAISER: Signature: Name: L enc . Fury Oate Sig d: N embe State Ce ' n #: PA Certified Residential Appraiser Or State License #: RL139824 State: PA Expiration Date of Certification or license: 6/30/2011 SUPERVISORY APPRAISER (only if required): Signature: Name: Oate Signed: State Certification #: or State License #: State: Expiration Date of Certification or License: ^ Did ^ Did Not Inspect Property r~uie mac roan 4aa o-ya Page 2 of 2 Fannie Mae Form 10048 6-93 Form ACR OEFD -'WinTOTAI• appraisal software by a la mode, inc. -1-1100-ALAMODE M i i 14 # Af1f'11Tl~1RlAI t^n>A~nec-eQ~ C cei ~c c;~_u,.. ~l~Al11d FEATURE SUBJECT COMPARABLE SALE #4 COMPARABLE SALE #5 COMPARABLE SALE #6 Address 722 Roster Avenue Lemo e PA 17043-1818 909 Hummel Avenue Lemo a PA 17043 806 Hummel Avenue Lemo a PA 17043 Proximit to Sub'ect 0..15 miles SW 0.09 miles S Sale Price E N!A S 69 900 S 74 900 S Sale Price/GLA E /s .-t. S 56.10 /s .ft. < b 58.79 /s .ft. . S /s .fl. Data Sources DeedfTax CPML #10200265 CPML #10200262 Verification Sources Ins ection DOM 1/MLS Data DOM 1/MLS Data VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - 3 Ad'ust. DESCRIPTION + - $ Ad'ust. DESCRIPTION + - S Ad'ust. Sales or Fnancing Concessions NIA NIA TBD Unknown TBD Unknown Date of Sale/iime NIA Active Listin Active Listin Ri hts A raised Fee Sim le Fee Sim le Fee Sim to ' Location Avera a Avera a Avera e :• Site 0.06 Acres 0.11 Acres 0.06 Acres View Avera a Avera a Avera e `; Desi n S le Traditional Traditional Traditional ' Quali of Construction Brick Aluminum Brick Brick '~~< A e 1932 1913 1920 Condition Avera a Avera a Avera e Above Grade Total Bdrms Baths Total Bdrms Baths Total Bdrms Batl~s Total Bdrms Baths ;' Room Count 7 4 2 7 4 1 +1 500 7 4 1.5 +1 000 `: Gross Livin Area 1 570 s .ft. 1 246 s .tt. +3 240 1 274 s .ft. +2 960 s .tt. ` Basement & finished Rooms Below Grade Full Unfinished Full Unfinished Ful! Unfinished Functional U61i Avera a Avera a Avera e Neatin Coolin OFWA/No GFWA/No OFWA/CA -2 500 Ener Efficientltems Thermal Windows Similar Similar `~ Gara a/Car ort 1C Det. Gara a Off Street +1 000 Off Street +1 000 '` Porch/Patio/Oeck 2 Porch Balcon Porch Patio Balc Porch Patio Balc F.,, Tc U 4 Net Ad'ustment otal ~ ' ~~; ~ ;~ ~ ~~ ~~~ + - S 5 740 + - $ 2 460 + ^ _ $ a Q Adjusted Sale Price of Com arables ~ ` S 75,640 $ 77 360 ~ ~ ~ ~ ' b p Q Summary of Sales Comparison Approach A total of three (3) sales comparables and two (2) active listings was used for this report. All were considered in the final reconciliation of value. a: o U _-........_. y W J Q N copyr;gn[o zvw oy a ;a moue, nu. ;n;s ;orm may oe reproaucea unmoamea vmnou[ wnnen penmss;on, nawever, z;a maae, mc. mus; oe acu;owwvyeu mo wcmau. [~D RE51 a~NT1AL form GPRES2.(AC) - "WinTOTAL° appraisal software by a la mode, inc. -1-800-ALAMODE 3/2007 .~ ~ Min Fil 1 P c....M1a.~,pntal Addendum FileNalnnnld -ter- - -- - -- -- -- Client Barbara Ruf Pro Address 722 Bosler Avenue Ci Lemo ne Coun Cumberland State PA Zi Code 17043-1818 Lender REPORT GENERATION THIS REPORT HAS UTILIZED MODERN AND ACCEPTED TECHNOLOGIES IN ORDER TO ENSURE THE EFFICIENT PRODUCTION OF A QUALITY APPRAISAL IN A TIMELY MANNER. THESE TECHNOLOGIES HAVE INCLUDED THE USE OF DIGITAL MAPPING, AND/OR DIGITAL SIGNATURES. PLEASE BE ADVISED, THAT IF DIGITAL PHOTOGRAPHS HAVE BEEN UTILIZED, AS PER APPRAISAL GUIDELINES, I CERTIFY THAT NO TOUCH-UPS OR MODIFICATIONS HAVE BEEN PERFORMED TO THE PICTURES WITH THE EXCEPTION OF ACCEPTABLE DARKENING OR LIGHTENING AS MAY HAVE BEEN REQUIRED FOR CLARITY. MY DIGITAL ELECTRONIC SIGNATURE IN THIS REPORT HAS A SECURITY FEATURE MAINTAINED BY A PASSWORD. NO PERSON CAN ALTER THE APPRAISAL REPORT WITH THE EXCEPTION OF THE SIGNING APPRAISER. CLARIFICATION OF ASSUMPTIONS, LIMITING CONDITIONS, CERTIFICATIONS AND SCOPE OF WORK THE FOLLOWING IS NOTED IN ORDER TO DEFINE TERMS AS THEY ARE USED IN THE APPRAISAL REPORT. THIS IS NOT INTENDED TO BE A MODIFICATION OF THE CERTIFICATION, BUT A CLARIFICATION, WHICH IS REQUIRED TO BE IN COMPLIANCE WITH USPAP. THE GENERAL PURPOSE RESIDENTIAL APPRAISAL SUMMARY REPORT FORM WAS USED TO REPORT THE RESULTS OF MY APPRAISAL. THE SCOPE OF WORK EXPLANATIONS DISCUSSED HERE AND WITHIN THE BODY OF THE REPORT CLARIFY ANO DOCUMENT WHAT THE APPRAISER DID OR DID NOT DO IN ORDER TO DEVELOP THE APPRAISAL AND REPORT THE VALUE OPINION, BASED ON THE COMPLEXITY OF THE APPRAISAL ASSIGNMENT AND OR AS A RESULT OF A SUPPLEMENTARY AGREEMENT OR ENGAGEMENT LETTER AS ACCEPTED BY THE APPRAISER(S) AND CLIENT IDENTIFIED WITHIN THE APPRAISAL REPORT. IF NO WRITTEN SPECIFIC AND OR SUPPLEMENTAL SCOPE OF WORK WAS AGREED UPON WITH THE CLIENT (PRIOR TO ACCEPTING THE ASSIGNMENT, BY FORMAL ENGAGEMENT LETTER AND INCLUDED 1N THIS REPORT) THE SCOPE OF WORK OUTLINED HERE AND WiTHtN THE REPORT, !S CONSIDERED TO BE REPRESENTATIVE OF WHAT TYPICAL USERS OF APPRAISAL SERVICES WOULD REQUIRE AND IN GENERAL, WHAT APPRAISERS WOULD PROVIDE AS REASONABLE. ACCEPTABLE ANO SUFFICIENT FOR THE STATED INTENDED USER'S NEEDS. SCOPE OF WORK: IT SHOULD BE NOTED THAT THE APPRAISER CONDUCTED A "VISUAL INSPECTION" OF ONLY THE READILY ACCESSIBLE AREAS OF THE PROPERTY, VIEWING ONLY THOSE COMPONENTS OF THE PROPERTY WHICH WERE CLEARLY VISIBLE FROM THE GROUND ANO/OR FLOOR LEVEL. NO TESTS WE MADE OF THE MECHANICAL, PLUMBING AND ELECTRICAL SYSTEMS AS SUCH TESTS ARE NOT WITHIN THE STANDARD GUIDELINES OF FNMA OR FHLMC. COMMENTS ON THE CONDITION OF THE FOUNDATION, ROOF, EXTERIOR, INTERIOR, FLOORS, MECHANICAL, PLUM8ING, ELECTRICAL, INSULATION AND ALL OTHER MATTERS RELATING TO THE CONSTRUCTION OF THE SUBJECT PROPERTY IS BASED ON A CASUAL OBSERVATION ONLY AND WHICH MAY HAVE BEEN LIMITED BY THE PLACEMENT OF PERSONAL PROPERTY, FURNISHINGS, ETC. SO AS TO PRECLUDE OBSERVATION OF THE ITEMS BLOCKED BY SAME. THERE WAS NO OBSERVATION OF THE ATTIC, CRAWL SPACE OR OTHER AREAS THAT WOULD NOT BE VISIBLE BY THE TYPICAL VISITOR TO THE HOME AND OR COMPONENTS THAT ARE HIDDEN WITHIN WALLS. ALTHOUGH THE REPORT MAY CITE A GENERAL RATING OF THE ADEQUACY AND OR CONDITION (BASED ON OBSERVATION ONLY) !T SHOULD BE CLEARLY UNDERSTOOD THAT THESE STATEMENTS ARE A GENERAL GUIDE FOR COMPARISON PURPOSES (AS PART OF THE VALUATION PROCESS) ANO ARE NOT A DETAILED REPORT ON THE PHYSICAL AND OR OPERATIONAL CONDITION OF THESE ITEMS. THE APPRAISER IS NOT AN EXPERT IN THESE MATTERS AND ANY OPINION STATED IS ADVISORY ONLY AND BASED ONLY UPON OBSERVATIONS. THIS REPORT IS NOT A HOME INSPECTION. WHILE OTHERS MAY CHOOSE TO RELY ON THE REPORT, THEY SHOULD NOT RELY ON IT TO DISCLOSE CONDITION AND DEFECTS. SUCH KNOWLEDGE GOES BEYOND THE SCOPE OF THIS APPRAISAL AND AS SUCH, COMMENTS ON OBSERVED CONDITIONS GIVEN IN THIS REPORT SHOULD NOT BE TAKEN AS A GUARANTEE THAT A PROBLEM DOES NOT EXIST. THE FOLLOWING CHART IS TO ASSIST THE INTENDED USER IN UNDERSTANDING THE SCOPE OF A COMPLETE VlSUP.L INSPECTION: Complete Visual Inspection Includes: Complete Visual Inspection Does/Did NOT Include: ist the amenities Testing or activating mechanical systems iew readily observable exterior areas Activating appliances iew readily observable interior areas Observation of crawl spaces and attic ote quality of materials and workmanship Observation of areas not readily accessible easure the exterior of the improvements Building Code compliance issues bserve the floor plan and room layout Moving furniture or personal property ssess the functional utility of the property Mold Assessment ote the subject's conformity to the market rea. Removing (or moving) floor coverings ote style /design. Testing or inspection of the well and septic. bserve the general condition of the mprovements Reporting persona! property. bserve a representative sampling of closets, indows, electrical switches, and doors. Roof Condition report beyond an observation from ground level. holograph exterior and view site around the mprovements Radon Assessment Form TA00 - "WinTOTAL' appraisal software by a la mode, inc. - t-800-ALAMODE M i Fil N 1 14 Sunniemental Addendum FileNo.~oo~~a Client Barbara Ruf Pro ert Address 722 Bosler Avenue Cil Lemo ne Coun Cumberland Siate PA Zi Code 17043-1818 lender IN THE SCOPE OF WORK, ITEM 1, WHERE 17 STATES "INSPECT THE NEIGHBORHOOD" THE OBSERVATION WAS LIMITED TO DRIVING THROUGH THE AREA AND A REPRESENTATIVE NUMBER OF STREETS, REVIEWING MAPS AND OTHER APPROPRIATE DATA INCLUDING OBSERVING THE COMPARABLES FROM THE STREET, TO DETERMINE THE GENERAL FACTORS THAT MAY OR MAY NOT INFLUENCE THE VALUE OF THE SUBJECT PROPERTY ANO RESEARCH TO THE EXTENT FURTHER DEFINED IN THE SECTIONS BELOW. COST APPROACH: THE COST APPROACH 15 TYPICALLY UTILIZED WHEN IMPROVEMENTS ARE NEW, NEAR NEW OR ARE OF AN UNUSUAL CONSTRUCTION METHOD. ADDITIONALLY, THE COST APPROACH IS ONLY CONSIDERED APPROPRIATE WHEN SUFFICIENT LAND; BUILDING SITES, ETC. ARE AVAILABLE TO A POTENTIAL PURCHASER SO AS TO MAKE CONSTRUCTION OF IMPROVEMENTS SIMILAR TO THE SUBJECT, A VIABLE ALTERNATIVE TO PURCHASING THE SUBJECT. IN AREAS WHERE VACANT SITES (SIMILAR TO THE SUBJECT PROPERTY IN LOCATION, ZONING, USE AND UTILITY) ARE NOT AVAILABLE TO A POTENTIAL PURCHASER, USE OF THE COST APPROACH AND RELIABILITY ON THE SAME AS A VALUE INDICATOR COULD BE MISLEADING. IN CASES WHERE THE COST APPROACH IS NOT REQUIRED (PER USPAP) OR DEEMED NECESSARY TO THE DEVELOPMENT OF A RELIABLE VALUE OPINION, THE COST APPROACH HAS BEEN EXCLUDED AND SUCH EXCLUSION HAS BEEN SO STATED WITH THE BODY OF THE REPORT. IF THE COST APPROACH WAS USED IT REPRESENTS THE "REPLACEMENT COST ESTIMATE," AND IS FOR "VALUATION PURPOSES ONLY. " AS SUCH, IT SHOULD NOT BE RELIED UPON FOR INSURANCE PURPOSES. THE DEFINITION OF "MARKET VALUE" IN THIS REPORT IS NOT CONSISTENT WITH THE DEFINITION OF "INSURABLE VALUE." IF THE COST APPROACH WAS PRESENTED, A COST SERVICE SUCH AS "MARSHALL & SWIFT" (OR OTHER SIMILAR SOURCE) WAS USED TO DEVELOP THE ESTIMATE. THE SITE VALUE OPINION IS BASED ON ONE OF SEVERAL METHODS: EXTRACTION, ALLOCATION, THE DEVELOPMENTAL METHOD OR FROM A REVIEW AND ANALYSIS OF SALES OF SIMILAR SITES WITHIN THE MARKET AREA. INCOME APPROACH: THE INCOME APPROACH IS TYPICALLY UTILIZED WHEN SUFFICIENT INVESTOR OWNED PROPERTIES EXIST WITH THE SUBJECT'S IMMEDIATE AREA OR NEIGHBORHOOD AND WHEN INVESTORS REGULARLY ACQUIRE SUCH PROPERTIES THAT ARE SIMILARLY DESIRABLE TO THE SUBJECT FOR THE EXPRESS PURPOSE OF THE INVESTMENT INCOME THEY PROVIDE. WHILE RENTAL PROPERTIES MAY EXIST WITHIN ANY AREA, THEIR EXISTENCE ALONE SHOULD NOT BE CONSIDERED AS EVIDENCE OF A VIABLE RENTAL AND INVESTOR MARKETPLACE. AS SUCH, IN AREAS DOMINATED BY "OWNER OCCUPIED" UNITS, !T MAY NOT BE APPROPRIATE TO PRESENT OR EMPLOY THE INCOME APPROACH, UNLESS THE APPROACH CLEARLY REPRESENTS THE MOTIVATIONS AND ACTIONS OF INVESTORS IN THE MARKETPLACE AS IT RELATES TO THE SUBJECT PROPERTY __ AND IMMEDIATE AREA. IF THE APPROACH IS INCLUDED WITHIN THE REPORT, IT WAS BECAUSE SUFFICIENT DATA WAS FOUND TO SUPPORT CONCLUSIONS BY THE APPRAISER(S) THAT IT WAS APPROPRIATE AND MEANINGFUL TO THE ANALYSIS ANO VALUE OPINION. IF THE APPROACH WAS N07 INCLUDED, IT WAS THE APPRAISER'S OPINION THAT THE DATA WAS INSUFFICIENT TO PROVIDE A USEFUL AND MEANINGFUL CONCLUSION. EXTENT OF DATA RESEARCH -SALES/LISTINGS: SALES AND LISTINGS OF THE SUBJECT PROPERTY AND COMPARABLES HAVE BEEN RESEARCHED, VERIFIED, ANALYZED, AND REPORTED IN COMPLIANCE WITH THE APPRAISER'S CERTIFICATION CONTAINED IN THIS REPORT. SALES DATA (INCLUDING LISTED, CLOSED, PENDING AND EXPIRED LISTINGS) OF PROPERTIES THAT ARE GEOGRAPHICALLY, PHYSICALLY, FUNCTIONALLY AND ECONOMICALLY SIMILAR TO THE SUBJECT PROPERTY AND THAT ARE SUFFICIENTLY RECENT TO REFLECT CURRENT BUYER AND SELLER ACTIONS WERE RESEARCHED ANO CONSIDERED. IF NECESSARY AND APPLICABLE, THE APPRAISER(S) ALSO RESEARCHED DATA ON COMPARABLE LAND AND IMPROVED SALES, INCOME AND EXPENSE INFORMATION AND CONSTRUCTION COSTS; CONFIRMED COMPARABLE SALES INFORMATION (AS NOTED UNDER "EXTENT OF INFORMATION VERIFICATION;"(SEE NEXT SECTION) AND ANALYZED THE INFORMATION IN APPLYING THE APPROACH(ES) USED. DEPENDING UPON THE AVAILABILITY AND RELIABILITY OF VARIOUS DATA SOURCES, THE APPRAISER(S) USED ANY COMBINATION OF REASONABLY AVAILABLE INFORMATION FROM CITY/COUNTY RECORDS, REAL ESTATE AGENTS, OWNER'S COMMENTS. BUYER'S DESCRIPTION, ASSESSOR'S RECORDS, MULTIPLE LISTING SERVICE (MLS) DATA, BROCHURES, WEB SITE LISTINGS AND VISUAL OBSERVATION TO IDENTIFY THE RELEVANT CHARACTEP.lSTlCS OF THE SUBJECT PROPERTY. COMPARABLES WERE SELECTED BASED ON PHYSICAL, FUNCTIONAL, ECONOMIC ANO LOCATION CHARACTERISTICS WITH THE SALES CITED IN THE REPORT CONSIDERED TO BE MOST RELEVANT TO THE ANALYSIS OF SUBJECT PROPERTY. THESE SALES WERE ADJUSTED TO THE SUBJECT TO REFLECT THE MARKET'S REACTION TO DIFFERENCES (IF ANY). EXTENT OF INFORMATION VERIFICATION: REPRESENTATIVE SAMPLES OF DISINTERESTED SOURCES FOR INFORMATION AND DATA VERIFICATION INCLUDE BUT ARE NOT LIMITED TO COUNTY/CITY ONLINE RECORDS - RECORDER, TREASURER, ZONING, GIS, ONLINE ASSESSOR PROPERTY DATABASES -SALES, PROPERTY CHARACTERISTICS, PERSONAL OBSERVATION -CONDITION, LOCATION, PHYSICAL ATTRIBUTES, REAL ESTATE TRANSACTION DECLARATION DOCUMENTS -SALE DATE, PERSONAL PROPERTY. IN ADDITION, THE SUBJECT'S MARKET AREA WAS EXAMINED TO DETERMINE THE DEMAND FOR ANO MARKETABILITY OF THE PROPERTY WITHIN THE SUBJECT'S CLASSIFICATION. WHEN AND WHERE POSSIBLE, THE APPLICABLE INFORMATION WAS VERIFIED WITH SOURCES DEEMED TO BE RELIABLE AND FROM A DISINTERESTED PARTY OR CORROBORATED WITH A 3RD PARTY SOURCE. iN SOME CASES, THE MOTIVATIONS OF THE PARTIES AND OTHER FACTORS (TERMS, ARMS-LENGTH TRANSACTIONS, ETC.) MAY NOT HAVE BEEN AVAILABLE AND THE DATA WAS USED AT "FACE VALUE AS FACTUALLY ACCURATE." THE APPRAISER(S) WAS NOT SUPPLIED WITH A SURVEY OF THE SUBJECT SITE AND DID NOT CHECK THE LAND RECORDS FOR RECORDED EASEMENTS AND HAVE REPORTED ONLY APPARENT EASEMENTS AND ENCROACHMENTS. UNLESS OTHERWISE STATED WITHIN THE REPORT, NO EFFORT WAS MADE TO ASCERTAIN WHETHER THE SUBJECT IS LOCATED WtTHiN THE APPROPRIATE SETBACKS, AS DICTATED BY ZONING, BUILDING OR OTHER REGULATIONS. Form TADD - "WinTOTAL" appraisal software by a la mode, inc. - t-800-ALAMODE i 'I 1 1 P Supplemental Addendum file No. 100014 Client Barbara Ruf Pro ert Address 722 Bosler Avenue Ci Lemo ne Coun Cumberland State PA r Code 17043-1818 (.ender PUBLIC /PRIVATE DATA SOURCES: MY (OUR) APPRAISAL PRACTICE IS LIMITED TO ADAMS, CUMBERLAND, DAUPHIN, PERRY, AND YORK COUNTIES. i HAVE ACCESS TO PUBLIC DATA; THE LOCAL MULTIPLE LISTING SERVICE; A NATIONALLY RECOGNIZED COST ESTIMATION SERVICE; FEMA FLOOD DATA AND MAPS; ANO PRIVATE INFORMATION CONTAINED WITHIN MY OFFICE FILES CONSIDERED NECESSARY ANO APPROPRIATE FOR THIS ASSIGNMENT. ADVERSE CONDITIONS, AS CITED IN THE "ASSUMPTIONS & LIMITING CONDITIONS," IS SUBJECTIVE AND SUBJECT TO BROAD INTERPRETATION. MANY PROPERTIES WILL HAVE SOME FORM OF PHYSICAL DEPRECIATION, DEFICIENCY OR LIVABILITY ISSUES, DEPENDENT UPON THE MOTIVATIONS AND STANDARDS OF THE PARTY OBSERVING THE PROPERTY. A PROPERTY MAY ALSO BE IMPACTED TO VARYING DEGREES BY A WIDE-RANGE OF FACTORS INTERNAL OR EXTERNAL TO THE PROPERTY THAT COULD BE CONSIDERED "ADVERSE" BY SOMEONE. ABSENT DETAILED WRITTEN DIRECTIVES AND SPECIFIC GUIDELINES FROM THE LENDER/CLIENT, THE APPRAISER(S) MADE A VISUAL INSPECTION OF THE PROPERTY AND ITS MARKET ENVIRONMENT (AS CITED ELSEWHERE IN THE SCOPE OF WORK) AND NOTED FACTORS THAT MAY IMPACT THE MARKETABILITY AND LIVABILITY TO POTENTIAL BUYERS BASED UPON THE APPRAISER'S KNOWLEDGE OF THE MARKET AND OR AS EVIDENCED BY SALES OF PROPERTIES WITH SIMILAR OR COMPARABLE CONDITIONS. SUCH ITEMS NOTED IN THE REPORT WERE CONSIDERED WITHIN THE VALUATION APPROACHES THAT WERE APPLIED TO THE ANALYSIS. WHILE SOME IN THE MARKET MAY CONSIDER FACTORS SUCH AS DRUG LABS, REGISTERED SEX OFFENDERS, CRIMINAL ACTIVITY, INTERIM REHABILITATION FACILITIES HALFWAY HOUSES OR SIMILAR USES AS "ADVERSE, " UNLESS CITED WITHIN THE REPORT, THE APPRAISER(S) HAS MADE NO ATTEMPT TO INVESTIGATE OR DISCOVER SUCH ACTIVITIES AS PART OF THIS ASSIGNMENT, UNLESS SUCH FACTORS WERE READILY APPARENT AND OBVIOUSLY IMPACTING THE SUBJECT PROPERTY AS EVIDENCED BY MARKET DATA. IF THE INTENDED USER HAS CONCERNS IN THESE AREAS, IT IS HIGHLY RECOMMENDED THAT THEY SECURE THIS INFORMATION FROM A RELIABLE SOURCE. DISCLOSURElDISTRIBUTION: REGARDLESS OF WHO PAID FOR THIS ASSIGNMENT, THE INTENDED USER iS ONLY THE LENDER/CLIENT STATED WITHIN THE REPORT. THE APPRAISAL AND REPORT MAYBE INAPPROPRIATE FOR USE BY PARTIES OTHER THAN THE INTENDED USER AND COULD PLACE THEM AT RISK. DESPITE THE MEANS OF POSSESSION OF THE REPORT, THIS APPRAISAL SHOULD NOT BE USED OR RELIED ON BY ANYONE OTHER THAN THE STATED INTENDED USER ANO FOR THE STATED/INTENDED PURPOSE. THE VALUE OPINION: THE VALUE OPINION STATED IN THE REPORT IS BASED ON MY (OUR) ANALYSIS AS OF THE EFFECTIVE DATE SHOWN IN THE REPORT. THE VALUE OPINION CONSIDERS THE PRODUCTIVITY, ECONOMIC AND PHYSICAL CONDITIONS OF THE PROPERTY ONLY AS OF THE DATE OF VALUE CITED. AS MARKET GONDITIONS CHANGE, THIS VALUE OPINION MAY NOT BE VALID IN ANOTHER TIME PERIOD. PERSONAL PROPERTY SUCH AS FURNISHINGS, EQUIPMENT OR OTHER ITEMS THAT MAY BE INCLUDED WITH A SALE OR TRANSFER OF THE PROPERTY WERE EXCLUDED FROM THE VALUE UNLESS SUCH ITEMS ARE NECESSARY FOR THE OPERATIONS OF THE PROPERTY (GARAGE DOOR REMOTES, POOL REMOTES, ETC) AND WOULD NORMALLY BE A PART OF THE MECHANICAL OR OPERATIONAL EQUIPMENT THAT IS CONSIDERED REALTY. Neighborhood -Market Conditions THE SUBJECT IS LOCATED IN THE BOROUGH OF LEMOYNE, WHICH PROVIDES AN AVERAGE ENVIRONMENT FOR THE HOUSE BEING APPRAISED. THERE ARE NO KNOWN FACTORS THAT WILL NEGATIVELY AFFECT THE MARKETABILITY OF THE HOUSE. ALL OF THE ITEMS IN THE NEIGHBORHOOD RATING GRID ARE RATED GOOD OR AVERAGE. THE PUBLIC SCHOOLS, PARKS, VIEWS, AND NOISE LEVEL ARE TYPICAL FOR THIS TYPE OF NEIGHBORHOOD. THIS IS A FAIRLY ACTIVE MARKET WITH NO SPECIAL FINANCING, LOAN DISCOUNTS, OR OTHER CONCESSIONS PREVALENT. ADDITIONAL FEATURESlCOND!TlON OF SUBJECT THE SUBJECT IS A SEMI-DETACHED 2.5 STORY HOME IN THE BOROUGH OF LEMOYNE. THE FIRST FLOOR CONTAINS A LIVING ROOM, DINING ROOM AND KITCHEN. THE SECOND LEVEL CONTAINS THREE (3) BEDROOMS AND ONE (1) BATH. THE THIRD LEVEL CONTAINS ONE (1) BEDROOM AND ONE (1}BATH. THE APPRAISER HAS PROVIDED AMPLE PHOTOS TO SHOW THE READER THE LEVEL OF QUALITY AND CONDITION OF THE HOME. THE PRECEDING MENTIONED AS ADDITIONAL FEATURES MAY OR MAY NOT WARRANT INDIVIDUAL ADJUSTMENTS IN THE COST OF SALES ANALYSIS. THEY WERE WORTHY OF MENTION BECAUSE THEY DO INDEED AFFECT THE COST OF CONSTRUCTION, QUALITY OF CONSTRUCTION, APPEAL, UTILITY AND MARKETABILITY OF THE PROPERTY. IF ANY ADJUSTMENTS ARE REQUIRED THEY WILL BE TAKEN IN THESE CATEGORIES. APPRAISER'S DISCLOSURE STATEMENT THE APPRAISER IS A DISINTERESTED, UNBIASED THIRD PARTY WHO HAS HAD NO PERSONAL, FINANCIAL OR OTHER INTEREST IN THE SUBJECT PROPERTY BEING APPRAISED. THE APPRAISER ALSO HAS NOT INSPECTED, APPRAISED OR PERFORMED ANY SERVICE IN CONNECTION WITH THE SUBJECT PROPERTY WITHIN THE PAST THREE (3) YEARS. Form TARO - "WinTOTAI" appraisal software by a la mode, inc. -1-800-ALAMOOE M ' it 1 C~~nnlpmP_ntAl Addenrdunl File No.ln(1n14 Cfient Barbara Ruf Pro ert Address 722 Bosley Avenue Ci Lemo ne Coun Cumberland State PA r Code 17043-1818 lender APPRAISER'S COMMENT REGARDING EXTRAORDINARY ASSUMPTIONS IN THE UNIFORM STANDARDS OF PROFESSIONAL APPRAISAL PRACTICE (USPAP), AN EXTRAORDINARY ASSUMPTION 10 DEFINED AS "AN ASSUMPTION, DIRECTLY RELATED TO A SPECIFIC ASSIGNMENT, WHICH, IF FOUND TO BE FALSE, COULD ALTER THE APPRAISER'S OPINION OR CONCLUSIONS". EXTRAORDINARY ASSUMPTIONS PRESUME AS FACT OTHERWISE UNCERTAIN INFORMATION ABOUT PHYSICAL, LEGAL, OR ECONOMIC CHARACTERISTICS OF THE SUBJECT PROPERTY; OR ABOUT CONDITIONS EXTERNAL TO THE PROPERTY, SUCH AS MARKET CONDITIONS OR TRENDS; OR ABOUT THE INTEGRITY OF DATA USED IN AN ANALYSIS. THE READER SHOULD NOTE THAT FOR THIS APPRAISAL REPORT, THE APPRAISER HAS MADE AN EXTRAORDINARY ASSUMPTION THAT THE CONDITION OF THE SUBJECT PROPERTY DURING THE INSPECTION THAT TOOK PLACE ON OCTOBER 26, 2010 WAS THE SAME AS THE CONDITION OF THE PROPERTY ON THE RETROSPECTIVE DATE OF THIS APPRAISAL, WHICH IS SEPTEMBER 17, 2010,. THAT BEING THE DATE OF DEATH OF WILLIAM R. WEBER. AT THE TIME OF THE INSPECTION, 7NE EXECUTOR OF THE ESTATE, BARBARA RUF, INFORMED THE APPRAISER THAT ALL OF THE WALL Tb WALL CARPET HAD ALREADY BEEN REMOVED FROM THE SUBJECT PROPERTY. THEREFORE, AS CAN BE SEEN IN THE PHOTOS INCLUDED IN THIS REPORT, HARDWOOD FLOORING APPEARS IN ALL OF THE PHOTOS. THE READER SHOULD UNDERSTAND THAT THE OPINION OF VALUE IN THIS REPORT ASSUMES THE CONDITION OF THE SUBJECT PROPERTY AS OF THE EFFECTIVE DATE OF THE APPRAISAL, WHICH IS SEPTEMBER 17, 2010. APPRAISER'S NOTE ON REASONABLE EXPOSURE/MARKETING TIME APPRAISAL GUIDELINES REQUIRE AN ESTIMATE OF A REASONABLE TIME PERIOD IN WHICH THE SUBJECT PROPERTY COULD BETAKEN TO THE MARKET AND SOLD. THIS REASONABLE TIME CAN BE ANALYZED EITHER HISTORICALLY OR PROSPECTIVELY. HISTORICALLY, IT IS REFERRED TO AS EXPOSURE TIME. EXPOSURE TIME ALWAYS PRECEDES THE DATE OF VALUE WITH THE UNDERLYING PREMISE BEING THE TIME A PROPERTY WOULD HAVE BEEN ON THE MARKET PRIOR TO THE DATE OF VALUE, SUCH THAT IT WOULD SELL AT ITS APPRAISED VALUE AS OF THE DATE OF VALUE. REASONABLE EXPOSURE TIME IS DEFINED AS "THE ESTIMATED LENGTH OF TIME THE PROPERTY INTEREST BEING APPRAISED WOULD HAVE BEEN OFFERED ON THE MARKET PRIOR TO THE HYPOTHETICAL CONSUMMATION OF A SALE AT MARKET VALUE AS OF THE EFFECTIVE DATE OF THE APPRAISAL; A RETROSPECTIVE OPINION BASED ON THE ANALYSIS OF PAST EVENTS ASSUMING A COMPETITIVE ANO OPEN MARKET." THE EXPOSURE/MARKETING TIME IS ALWAYS A FUNCTION OF PRICE, TIME AND USE. EXPOSURE/MARKETING TIME IS DIFFERENT FOR VARIOUS TYPES OF PROPERTY AND UNDER VARIOUS MARKET CONDITIONS ANO IT ENCOMPASSES NOT ONLY ADEQUATE, SUFFICIENT AND REASONABLE TIME, BUT ALSO ADEQUATE, SUFFICIENT ANO REASONABLE EFFORT. IN ESTIMATING A REASONABLE EXPOSURE/MARKETING TIME, THE APPRAISER HAS ANALYZED: 1. EXPOSURE PERIODS FOR SIMILAR PROPERTIES AND PROPERTIES USED AS SALES COMPARABLES IN THIS APPRAISAL. ALL COMPARABLES HAD MARKETING TIMES OF LESS THAN 6 MONTHS. 2. MARKETING TIME INFORMATION FROM NATIONAL SURVEYS ANO MLS DATA. 3. THE OPINIONS OF MARKET PARTICIPANTS BASED ON THESE ANALYSES, THE APPRAISER HAS CONCLUDED THAT AN EXPOSURE/MARKETING TIME OF 3-4 MONTHS OR LESS WOULD BE CONSIDERED REASONABLE FOR THE SUBJECT PROPERTY. THIS EXPOSURE/MARKETING TIME REFLECTS CURRENT REAL ESTATE INVESTMENT MARKET CONDITIONS, CURRENT ECONOMIC CONDITIONS, THE TERMS AND AVAILABILITY OF FINANCING FOR REAL ESTATE ACQUISITIONS ANO PROPERTY AND MARKET-SPECIFIC FACTORS. IT ASSUMES THAT THE PROPERTY HAS BEEN ACTIVELY AND PROFESSIONALLY MARKETED. THE MARKETING/EXPOSURE TIME WOULD APPLY TO ALL VALUATION PREMISES INCLUDED IN THIS REPORT. Form TADD - "WinTOTAI"appraisal software by a la mode, inc. -1-800-ALAMODE Market Conditions Addendum to the Appraisal Report FileNc._ 100014 The purpose of ttrs addendum is to provide the lender/client with a clear and accurate understanding of the market trends and conditions prevalent in the subject nei hborhood. This is a re wired addendum for all a raisal re orts with an effective date on or after ril 1, 2()09. Pro a Address 722 Bosler Avenue Cit lemo ne Sfafe PA Zi Code 17043-1818 Borrower N/A Instructions: The appraiser must use the information required on this form as the basis for his/her conclusions, and must provide support for those conclusions, regarding housing trends and overall market conditions as reported in the Neighborhood section of the appraisal report form. The appraiser must fill in an the information to the extent it is available and reliable and must provide analysis as indicated bebw. If any required data is unavailable or is considered unreliable, the appraiser must provide an explanation. n data sources provide tfre required information as an average instead of the median, then the appraiser should report the available figure and identify it as an average. Sales and listings must be properties that compete with the subject property, determined by applying the criteria that would be used by a prospective buyer of the subject ro ert . The a praiser must a lain an anomalies in the data, such as seasonal markets, new construction, foreclosures, etc. Invent Ana sis .: Prior 7-t 2 Months Prior 4-6 Months Current - 3 Months Overall Trend Total # of Com arable Sales Settled 12 2 2 Increasin Stable Oectini Absor lion Rate olal Safes/Months 2.0 0.7 0.7 Increasin Stable Declinin Total # of Com arable Active Listi s 2 0 0 ®Declinin ^ Stable Increasin Months of Housin Sup I otal Listin s/Ab.Rate 1.0 0 0 Declinin Stable Ircreasin Mediar- Sak rk Li4t Price; t70M;tist/Sa1e Ratio Prior 7-12 Months Prior 4-6 Months Current - 3 Months Overall Trend Median Comparable Sale Price $84 750 $62 000 $70 500 Increasin Stable Oeclini Median Comparable Sales Days on Market 69 283 31 ®Declinin ^ Stable Increasin Median Comparable List Price $86 450 $70 200 0 Increasin Stable OecNnin Median Com arable Listi s Oa s on Market 94 164 0 Declinin Stable Increasin Median List-to-Sale Price Ratio 96 % 96 % 91 % Declinin Stable Increasin Seller- develo er, builder, etc. aid financial assistance revalent? ^ Yes ®No Declinin (gj Stable ^Increasin ~. Explain in detail the seller concessions trends for the past 12 months (e.g., seller contributions increased from 3% to 5%, increasing use of buydowns, closing costs, condo fees, o lions, etc.. If seller concessions were revealed on the sales a reemenfs and/or multi-list sheets reviewed b the a raiser over the ast ear the were in the vane o(2-5% of the sellin rice. This ran a is t ical based u on recent discussions with other a raisers lenders and real estate brokers in the area. Are foreclosure sales REO sales a factor in the market? Yes No If es, ex lain includin the trends in listi sand sales of foreclosed ro erties . - Current) foreclosures are not a si nificant factor in the sub'ect's market area for the fotlowi reasons: foreclosures are current) less than 5% of all sales and the unem to ment is current) under that of those in the more industrialized/manufacturin areas of the count .Also mort a e rates are down and availabilit of mono in the area seems to be readil accessible. Cite data sources for above information. Central Penn Multi-list Service CPML REALTORS Association of York & Adams Counties Inc. RAYAC count tax records and deeds. Summarize the above information as support for your conclusions in the Neighborhood section of the appraisal report form. If you used any additional information, such as an anal sis of endin sales and/or a fired and withdrawn listin s, to formulate our conclusions, rovide both an ex lanation and su ort for our conclusions. The com arable active listin s com arable median list rice and com arable medium list D.O.M. information for the 7-12 month and 4-6 month time frames were obtained via the Local multi-list that services the sub'ect's market. However it should be understood b the reader that "listin data" constant) chap es on a doll basis throw hout the re uested eriods. That is to sa a listin can be labeled active one da and then labeled sold the ve next da Burin the same re uested time eriod. The a raiser is rel in on the data rovided b said multi-list service as bein accurate com tote and not misleadin to the reader because the a raiser has no wa of leanin this chap in data without em to 'n and a lainin so histicated mathematical and chart skills which are outside his a ertise. If the su 'ect is a unit in a condominium or cooperative project ,complete the following: Project Name: Sub'ect Project Oata Prior 7-12 Months Prior 4-6 Months Current - 3 Months Overall Trend Total # of Comparable Sales Settled N/A N/A N/A Increasin Stable DecAnin Absor tlon Rate otal Sales/Months N/A N/A N/A Increasin Stable Declinin Total # of Active Com arable Listin s NIA N/A N/A Declinin Stable Increasi Months of Housin Su ptv otal Listinos/Ab.Rate) N/A N/A NA/ Declinin Stable Increasin Are foreclosure sales (RED sales) a factor in the project? Yes No If yes, indicate the number of REO listings and explain the trends in listings and sales of foreclosed ra erties. . Summarize the above trends and address the im act on the subject unit and ro'ect. Si nature i Si nature A rais ame Laure ce L. r Su erviso A raiser Name Coma Nam Landr sisals Com an Name Co an ress 611 Alison Avenue Mechanicsbur PA 17055 Com an Address State License/Certification # RL139824 State PA State License/Certification # State Email Address larryfurr@landrea.com Email Address Freddie Mac Form 71 November 2008 Paae 1 of 1 Fannie Mae Form 1004MC November 2ona form i004MC - "WinTOTAL"appraisal software by a fa mode, inc. -1-800-ALAMODE i Fil 1 4 n__~:....a ~hnt~i Pane. Subject Front 722 Bosler Avenue Sales Price N!A Gross living Area 1,570 Total Rooms 7 Total Bedrooms 4 Total6athrooms 2 Location Average View Average Site 0.06 Acres Quality Brick, Aluminum Aye 1932 Subject Rear subject Street Form PIC3x5.SR - "WinTOTAI" appraisal software by a la mode, inc. -1-800-ALAMOOE i i .1 4 Subject Photo Page Client Barbara Ruf Pro a Address 722 Bosler Avenue Cit Lemo ne Coun Cumberland State PA Z Code 17043-1818 Lender Subject Ailey to the Rear 722 Bosler Avenue Sales Price N/A Gross Living Area 1,570 Total Rooms 7 Total Bedrooms 4 Total Bathrooms 2 Location Average View Average Site 0.06 Acres Oualily Brick, Aluminum Age 1932 Subject Detached Garage Subject Detached Garage Form PIC3x5.SR - "WinTOTAI' appraisal software by a la mode, inc. -1-800-ALAMODE in i~ No 100014 Paoe #17~ Subject Living Room 722 Bosler Avenue Sales Price NIA Gross Living Area 1,570 Total Rooms 7 Total Bedrooms 4 Total Bathrooms 2 Location Average View Average Site 0.06 Acres Quality Brick, Aluminum Age 1932 Subject Dining Room Subject Kitchen Farm PIC3x5.S1- "WinTOTAL" appraisal software by a la mode, inc. -1.800-ALAMODE c..aaa~t Intprinr PhOtO Page Main File ~ 14 P t r"~~' r r ' x ~t , J. f f. '~` ' ~'. ~ 1_ ~ y V ~'. yy ~ ~ ~~ ; * _ '4 *!" ~ 4 ; ~ ~ ll ~ i+t ' s k~'S ..r„t' f ~y A~t ~ a `~ ~ 3'~~r a~~~, Y ~~`~d,r rr~~~f y"f~ ~ a. wHt ~~~r7 .f ,ate-.%~ ~ ~ -~. ~y~~ ~~ Y.vl° .: Subject Bedroom 722 Bosler Avenue Sales Price N/A Gross Living Area 1,570 Total Rooms 7 Total Bedrooms 4 Total Bathrooms 2 Location Average View Average Site 0.06 Acres Quality Brick, Aluminum Age 1932 Subject Bedroom Subject Bedroom Form PIC3x5.S1- "WinTOTAL" appraisal software by a la mode, inc. -1-S00-ALAMODE _ _ _ _~_~__.. nw..t.. PanP_ 14 ~ ~fli Subject Bathroom Subject Bedraam Subject 8athroor~ ~~ ti.BOaA~MOO~ rtn PiC3x5.S1- "WinTOTAI appraisal sotN+are by a la mode, +~• -' fo M i Fil 1 i P Subject Interior Photo Page Client Barbara Ruf Pro a Address 722 Bosler Avenue Cit lemo ne Coun Cumberland State PA r Code 17043-1818 Lender Subject Elec. Box - 3rd Floor 722 Bosler Avenue Sales Price NIA Gross living Area 1,570 Tota- Rooms 7 Total Bedrooms 4 Total Bathrooms 2 Location Average Vew Average Site 0.06 Acres duality Brick, Aluminum Age 1932 Subject Furnace/HW Heater Subject Oli Tangy form PlC3x5.S! -'WinTOTAI' appraisal software by a la mode, inc. -1-800-ALAMODE Mein file No 100014 Paoe ~ Subject Outside Entry to Basement 722 Bosler Avenue Sales Price NIA Gross Living Area 1,570 Total Rooms 7 Total Bedrooms 4 Total Bathrooms 2 location Average dew Average Site 0.06 Acres Quality Brick, Aluminum Age 1932 Subject Main Electrical Box Deterred Maintenance -Rear Baic. Form PIC3x5.Si - "WinTOTAL" appraisal software by a la mode, inc. -1-800•ALAMODE ..__~:__a ~.,~n.inr Phnto Page i it .1 14 # Comparable 1 408 Bosley Avenue Prox. to Subject 0.27 miles NE Sales Price 69,000 Gross Living Area 1,851 Total Rooms 8 Total Bedrooms 4 Total Bathrooms 1 Location Average View Average Site 0.07 Acres duality Brick Age 1920 Comparable 2 1227 Bridge Street Prox. to Subject 1.39 miles SE Sales Price 72,000 Gross Living Area 2,099 Total Rooms 8 Total Bedrooms 5 Total Bathrooms 1 Location Average View Average Site 0.11 Acres duality Brick Age 1922 Corr>iparabie 3 220 Reno Avenue Prox. to Subject 2.13 miles SE Sales Price 87,900 Gross Living Area 1,680 Total Rooms 9 Total Bedrooms 4 Total Bathrooms 1 Location Average View Average Site 0.06 Acres Quality Vinyl Age 1905 Form PIC3x5.CR - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE r....,narahle Photo Page Comparable Photos 4-6 M i Fil 1 14 P # Client Barbara Ruf Pro Address 722 Bosler Avenue Cif Lemo ne Coun Cumberland State PA Z Code 17043-1818 Lender Comparable 4 909 Hummel Avenue Prox. to Subject 0.15 miles SW Sales Price 69,900 Gross Li++/ing Area 1,246 Total Rooms 7 Total Bedrooms 4 Total Bathrooms 1 Location Average View Average Sile 0.11 Acres Quality Brick Age 1913 Comparable 5 806 Hummel Avenue Prox. to Subject 0.09 miles S Sales Price 74,900 Gross Living Area 1,274 Total Rooms 7 Total Bedrooms 4 Total Bathrooms 1.5 Location Average View Average Site 0.06 Acres Quality Brick Age 1920 ..~,,..,_ Prox. to Subject Sales Price Gross Living Area Total Rooms Total Bedrooms Total Bathrooms Location View Site Quality Age Form PIC3x5.CR - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMOOE i Fil 1 4 P # 4 Building Sketch Client Barbara Ruf Pro erf Address 722 Bosley Avenue Cit Lemo ne Coun Cumberland State PA Zi Code 17043-1818 Lender 15R i5R r Covered Porch ,~. 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Form MAP.LOC -'WinTOTALf appraisal software by a la mode, inc. -1-800-ALAMODE Aeri~1 View of Su6iect Form MAP.LOC - "WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMOOE Main File No 100014 # I i DEED -PAGE 1 Mi 'I 14P #7 r . ~ ~ ~. t caws t.wt liw J LtADb is. 2?+ufb day of M1y I la the 1'w'~ ataeErao lead sad sight?-afns I Hlrl'f~'i LLN-A D. CERKE`IS?ILTP.A, siatla voman, formerly knovn as , ~ - ~ LIii9A A. AAltt3LD, CkANiOAp A.W RILLIAH A. S.'EBPA, ainglt. man CILLNSF.Et ... . _- ...._ i 4 WCi'NE$S$I'fi~ TLat i~t aoMda>sLaa at Sixty Thousand and uoJ.L04-~---- - i ...._............_.._.. _.._~..r..__.,._-_....`....(F64,000,00)._.I)oUaet, ~ la head p"id, ~a rwMpt ~e5eeeuf 4 SereLy adma+kdQad, d» iatA $~ do as ~~ ~~ hi } i d i d i a rs rn ate sns ~aatN . e i the s.i sad ooocray b f ~ All THAT C[R7AIN lot or tract of lartd,. togwther with any And _ all lmprbvamonts thereon, tying, being ar.d situate in tho Borottgt~ of Lemayno, Cumberland County, Pennsylvania, more particularly j boundad and dnrcribod as follows, 1n aCeordanas with survey by fiorrit 6ontx, dated Octabar 2, 1912, to w'lt: BEC,iNNINd at a point in Char southarh Tina of Bosler Avenue which paint is 150 fp4t West of Cha sauthWast rornar of Boater Avenue and 7th 8traet; ChetlCa SOVth 28 dagrva5 30 minutes fact, ~ 1S0 fsot to tho northern line of App1a A11zy; thenco along the tame, South Bi dagrooa 70 mtAUtea kest, iT.50 f wt - point: thence irnrth 2g degrees 30 minutes- Wact and throuq~ a partitio-1 well, , 4 ~ 150 fwQt to the southern line of Boater Avtlnusr thenr~a along tfia t sable, Narth 61 dogreea 34 mtnutea Ee:t, tT.5 fear to the pnlnt ~ of BEti[NNrN6. BEING tho egstarn one-half p'f lot No. 103, 5actton 3, heretofore orrnnnously raferrEd to to nertatn deeds in the FhaiR of title as Lct 3 on the Plati of Lots at kiverten as rocnrdod in the ~ ~ i ~ Cunborisnd County Recorder's Of~jioo in pnad Soak a-J, Page •0. ' ~ ~ ! ~ ;_ _ 4 ~ccu~33 ~ `~ ~ ____.__..__ ..... __ ._ _.__._ . _ .---... .. __..,__..... . Form SCNLGI - •WinTOTAI" appraisal software by a la mode, inc. -1-800-ALAMOOE MiF'IN 14 DEED -PAGE 2 • HAVING THEREON srsetvd a ewo and ono-hatf seory brick dwol,li'nq !~ soli-deteched known and numbered ae Tt2 Boslvr Awnw, ! i BEING THE SAME PREMISES ~hieh Scvphan E, Arawld conveyed unto i , Linda 0. Arisold, by dyed dated Janaury 20, 1900 end reeordvd r r f0bryary Z1, 1900 in the Rvaorder'v Office 1n and for CuAberlend l~ '' bounty, Da, to Rocord Book E, Volume 33, Pagv 1020. i +~ ~, ; t .fir ~~ ~ ' / !l ~( -=' "5/. 5.7a..d. goruuyn,a : l',.•eZn-1 'i lcnod Q:ec turra~0o„ Papa eumk w~. rs. ~ 1 ><n.u 6.uao7~ 1'~74arbaial-aefv7ls N j as 1! au °~ i, `'i Dae~S '1 t~ Zap; ~'- OaM~..~.,._J-ei.~s .~ i ~-f ' Areib. Cb. Wa. Ca1.1~, ~ ~, . Cuend Co. oM. ebt. AqE as i ~ , ~j ,` ~t ti , i; __.~ ~ i .~. AEGISltA[O~~lE PA ~~~ t ~ i 1 ~~ ~i ' a ~; i ,i !I i '' i ~I ii t~ECCR,^EO-Rffi~c Cf THl<~ i. y c::at~.!tii1`r,T.A:1~; nr re:rrTw::rr.: `' i+: ,'. r: Mcrzf t1 1,~;'!%r% ?v u ~l. t? i~ 'es.hav.z3 P~..3:,y~,. >s~ot/~33 F~c[ 777. Form SCNL6l. - "WrnTOTAI• appraisal soRware by a la mode, inc. -1-800-ALAMODE ANb d~ esld ~aa3ar wjII .specially WA~tAANt• AND I~O1t8VF.R DE!'St~rD dw propsttr tia~ebr oouveysd. IN WlY1V1~f WlIE1'tFAF, eatd ~natAt tYa a tre~wsnDO eet bsr bead aad remt , tTsa day asd Year first abo+~s~rritbes. asd dti...d to t1r piwleot eat ~ (` ~ ~ ~, ~/~ . ... ., ...,.»:... , .....•......«.......w.~-~~!~{.7~..-L~lsar~E..LAH3?iEY~~ , ..._ ,.,. M `~~, LINDA D. ARMOLD ., _ ..~....~........:_ :.... _,....»........»..,............ ......• .........................__...........................»........ (rear.} 4oau~csass ar Rssmr~ ' ' ~ I ftire~- oestitr. diet the ptedss raidmoe of the ~rsatoe terefn b at faTlown • '?' z2 13osc~ /4++t. LcnorNc i',~, tlo~r3 . .,A a ~ b: a:~ee. ~amnsan#orsl of ~enneytbanla . ~ se. OSaaat~ of , . „ .... ...,,. ~ ~. ~ a7o~ ~, efF /,~„~~, 1D $9, bda~ me noeary pubzlc tf+e ~sndeirddsed olrHoeG personalty Wi'r'ed Linda D. Cezkaaameyer formetlY kno~n ta'Linde D. Armold tcsowa to me (or>attsfsetaily pmvea) to be tlw pe,~soo, whose acme is sttbsnlbed lot the ntt~a imr6rua-eat, and ^cjoao«iedged tbat f~i eitatvioc! tta sera» i`or ~ port'0se Lbtstidi • ~; ooatataed. W WITNES4 WHERt?OF, I eve heseusto sd eh' hand sad nourisl ssal My G~ail~iao Ssp[ree ~R.....•...•' ~ ~"G fi ,~ ., j •~'vr~a. 0 , r . u ':~ UOYYLI star j s l r 1 ,.1 }~'s: ~~Mltta qt ton. Mart r,pt ct ' ? t. ~• M~odea tw~wsU.-. t~~trml [ayntt "~ ; ~ 1 ) e • i ~' WenIt31W Gp~r+f ~tpr~l s. 1t03 ~. ~~.. L7 Ci sC •. QQQ,,, :i•h.... ~• • ~~ ~ Form SC1 - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE M 'n Fil N APPRAISER DISCLOSURE STATEMENT File No. ~000~4 ~ Nam~t A raiser. Laurence L. Furr ~fay.S~,of Ce Iflcatlo /ticent ire: ^ Certified General ® Certified Residential ^ Licensed Residential ^ Temporary ^ Genera! ^ Licensed ~uication/Licensure Number: RL139824 ~QA.@: this Report ®is within the scope of my Certification or License ^ is not within the scope of my Certiticatian or license ;service Provided 8v: ®Disinterested & Unbiased Third Party ^ Interested & Biased Third Party ^ Interested Third Party on Contingent Fee Basis i Thf rm must be included in conjunction with all appraisal assignments or specialized services pertormed by astate-certified orstate-licensed real estate appraiser. Form DISCLA - "WinTOTAL' appraisal software by a la mode, inc. - t -800-ALAMODE Main Fil No 1 014 Pa #31 PA Certification C~omimo~~rvealth of P~nns~rtvania ~ $ Q ~. ~ ~ ~ ~ ~ Dept ~m ~~n`t.~ ~~`~ tote Bureau off' ro B Certificate T~~he certified Residential Appraiser LAURENCE L FURR - 611 ALISON AVENUE Mechanicsburg pA 17!155 u~4 s S ~,. --~-• ~.. ~.,. ro~essXo;na'1 a><xcl C~~c~~~atl<onal ~~fall•s ' o~rl~4~ tTarrxsh~ir~ r-~~~':1~}5-26~r1 ~~ ' ~- ~ ~ - ' C:~r. ti>rcate.Status } ` ; r ~ ~ ~ ~ x t z Y ~ ' a'~ t: ~ .. A~tiY~ i /<. "' ... - ~ '~~ °~ ,_. ~- ~ ~~`~~,.~ lnitiat Gertf%caton.Uate ~., _ 05l28I20.10 Certificate Number RL139824 ~Fxpiration Date P Ofi130/2011. . ~. _ ~ _ '?gib Commissinnrr of 1'mfesior+al anJ Uccupa;io+~nl r\t:lanti________ `, 5~~`. 5' nuturr ~',,~~ Form SCNLTR - "WinTOTAI" appraisal software by a la mode, inc. -1-800-ALAMOOE Main Fil N . i 014 P # E&0 Insurance ~eneral~~ar „~ GENERAL STAR NATIONAL INSURANCE COMPANY Financiai Centre .~-~---~°~ P.O. Box 10360 Stamford, Connecticut 06944-2360 REAL ESTATE APPRAISERS ERRORS & OMISSIONS iNSURANGE POLICY DECLARATIONS PAGE This Is a claims made and reported policy. Please read this policy and alt endorsements and attachments carefully. Policy Number: N.TA837215 Renewal of Number: 1. NAMED INSURED: t..aurencc i.. Furr STREET ADDRESS: 6Ia Alison Avenue Mechaaicsburg, PA 17455 2. POLICY PERIOD: Inception Date: 07!208-010 Expiration Date: o784/zot t. Effective 12:01 a.m. Standard Time at the address of the Named Insured. 3. LIMIT OF LIABILITY: Each Claim: Aggregate: Claim Expense: Each Claim: Aggregate: 4. DEDUCTIBLE: S 500,400 S 1,000,000 > have a separate L'tmit of Liability: s soo,o44 $!,000,000 Each Claim: X500.00 Aggregate: $1,000.00 5. RETROACTIVE DATE: o7n484t4 (f a date is indicated, this policy. will not provide coverage for any Claim arising out of any act, error, omission or persona! injury which occurred before such date. &. ANNUAL PREMIUM: ~ 61.7.04 7. ENDORSEMENTS; This policy is made and accepted subject to the printed policy form together with the following forms} or endorsements}. (5N-07-AP-122(07/2007) GSN•01-ARiWOPA (06!200'1) GSN-O7-AP-375 (10/2007) GSY-07-AP-201(Ob/2009) t3. MANAGING AGENT Herbert H. Landy Insurance Agency, Inc, ~ `'~' '~'~'~`"~~``~ 75 Second Avenue, Suite 410 / Needham, Massachusetts 02494-2876 Authorized Representative GSN-07-AP-720 (0612007} m Copyright 2007, General Star Management Company, Stamford, CT Page 1 of T Producer Codc: OOOZ6Z30 Class Code; 731213 Date: 07/2080[ U SLA#: Form SCNLTR - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE REV 1508 EX+ (6-98) scaEau« E :^~ ~ . COMMONWEALTH OF PENNSYLVANIA CASH, BANK DEPOSITS & MISC. INHERITANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER William R Weber 21-10-1000 Include the proceeds of litigation and the date the proceeds were received by the estate. Alf property jointly-owned with right of survivorship must be disclosed on Schedule F. (If more space is needed, insert additional sheets of the same size) ..~ v ._._..:: r ~ ~ ^ ~ ^ ~ f I ly yY'~G;~U~ Udl IK.GU111 Balance informaton reflects transactions through 6:00 PM on that twsiness day. Some deposits may not be available for immediate. withdrawal. Checks and other items received for deposit subject to the provisions of the Uniform Commercial Code or any applicable collection agreement. 63 12:20 10/7/2010 0106 '"~`~`'4387 TIrSvWd $ 4,974.73 MARKET STREET LEMOYNE141 S-16 3MM 10/09 INT ~ ~ ~ " ' ~ 888.937.0004 .~. ~~~~ - ,.~: ~~ 1 V ~ mym~~b ®bank.com Balance information reflects transac-ions through 6:00 PM on that business day. Some deposits may not be available for immediate withdrawal. Checks and other items received for deposit subject to the provisions of the Uniform Commercial Code or any applicable collection agreement. 62 12:20 10/7/2010 0106 '"`~"'`~'"`7708 TIrDDWd $ 13,237.63 MARKET STREET LEMOYNE101 s-, s 3MM 10/09 INT REV-1737-6 EX + (6-08) r ~``pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN NONRESIDENT DECEDENT SCHEDULE G INTER-VIVOS TRANSFERS & Use Schedule G, fart 2, ONLY for proportionate method of tax computation. MISC. NON-PROBATE PROPERTY ESTATE OF William R Weber FILE NUMBER 21-10-1000 Part 1 must include all transfers of real estate and tangible personal property located in Pennsylvania. Complete Part 2 ONLY when the proportionate method of tax computation is elected. Include in the description of property the date the transfer was made and the name and relationship of the transferee. This schedule must be completed and filed if the answer to questions 1 through 4 on the reverse side of the REV-1737 cover sheet is yes. DESCRIPTION OF PROPERTY ITEM Include the name of the transferee, the relationship to Decedent and the date of transfer. DATE OF DEATH % OF DECD'S EXCLUSION NUMBER Attach a copy of the deed for real estate. VALUE OF ASSET INTEREST (IF APPLICABr_E) TAXABLE VALUE ~ ~ TFL -non-qualified variable annuity 244,242.73 100 244,242.73 _.. TFL -traditional IRA -variable annuity 144,694.83 100 i 144,694.83 'TFL -Roth IRA -variable annuity 79,924.91 100: 79,924.91 PART Z TOTAL $ $ 468,862.47 $ , TOTAL (Also enter on Line 7, F2ecapitulation-) $ 468,862.47 (If more space is needed, use additional sheets of paper of the same size) r •-~ ~ r~rrv~r~c r~r~ur~c~u~ fug ~ucr~e~ur~~° . ~.._....~.~...~_.._M,._...~, ~.. _~.~_ Jamie C. French, CPA, CFPm Financial Consultant South Central PA Group jamie.french@thrivent.com 355 N. 21st St., Suite 101 Camp Hill, PA 17011 Office: 717-525-9535 Cell: 717-599-4556 Fax: 717-525-9545 October 25, 2010 Mrs. Barbara Ruf 102 Delaware Avenue West Chester, PA 19380-3806 Dear Mrs. Ruf; The following are the active accounts William Weber had with Thrivent Financial for Lutherans as of September 17, 2010: T.TFF. TN~iTRANCF,: 851639 $34,398.59 Whole Life Insurance 2560462 153,478.66 Universal Life Insurance A NNT ITTTF,~ LC4632172 244,242.73 Non- ualified Variable Annuity LC4632173 144,694.83 Traditional IRA -Variable Annuity LC3196153 79,924.91 Roth IRA -Variable Annuity The values given are as of October 5, 2010. The values can differ depending on the date each account is settled. -- .~,a. If you have any questions or concerns, please contact our office. Thank you. Yours truly, / ~~~ e .Weaver Office professional Moira Offrtes: Appleton, Wisconsin, and Minneopolis, Minnesota • Thrivent.com Securities offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN, 55415-1665, 800-847-4836, a registered broker-dealer and investment adviser, and a wholly owned subsidiary of Thrivent Financial for Lutherans. Member FINRA. Member S1PC. Your financial representative is a Registered Representative of Thrivent Investment Management and a licensed insurance agent of Thrivent Financial for Lutherans. Thrivent Financial for Lutherans° October 5, 2010 Estate of William R Weber 722 Bosley Ave Lemoyne PA 17043-1818 Subject : Estate of William R Weber IRA Contract LC4632173 To Whom It May Concern: Thrivent Financial for Lutherans is required by the Internal Revenue (IRS) to report the contract value as of the date of death to the estate of William R Weber. The IRS form 5498 will be sent to the above address in January of next year. Form 5498 wilt report the fair market value of the !RA plan to William R Weber's estate. This letter should be retained for income tax purposes when filing the decedent's income tax return. Date of Death: 09/17/2010 Contract Value as of Date of Death: $141,281.34 If you have any questions regarding the above information, please contact your Financial Associate, JAMIE C FRENCH, whose telephone number is 717-525-9535. You are also welcome to call Thrivent Financial for Lutherans at 800-847-4836. Sincerely, Death Claims Death Claims & Services Product Services Department, FSO Cc : JAMIE C FRENCH 0165 43402 00 William R Weber ,deceased, Contract # LC4632173, CIF # 504404147 Deceased's Customer ID: 504404147 ~V Thrivent Financial for Lutherans° V October 5, 2010 Estate of William R Weber 722 Bosler Ave Lemoyne PA 17043-1818 Subject :Estate of William R Weber ROTH IRA Contract LC3196153 To Whom It May Concern: Thrivent Financial for Lutherans is required by the Internal Revenue (IRS) to report the contract value as of the date of death to the estate of William R Weber. The IRS form 5498 will be sent to the above address in January of next year. Form 5498 will report the fair market value of the ROTN IRA plan to William R Weber's estate. This letter should be retained for income tax purposes when filing the decedent's income tax return. Date of Death: ~ ~ ~ ~ 09/17/20'10 Contract Value as of Date of Death: $79,924.91 If you have any questions regarding the above information, please contact your Financial Associate, JAMIE C FRENCH, whose telephone number is 717-525-9535. You are also welcome to call Thrivent Financial for Lutherans at 800-847-4836. Sincerely, Death Claims Death Claims & Services Product Services Department, FSO Cc : JAMIE C FRENCH 0165 43402 00 William R Weber ,deceased, Contract # LC3196153, CIF # 504404'147 Deceased's Customer IO: 504404147 REV-1511 EX+ (10-09) SCHEDULE H --,. a. ~ ~ pennsylvania OEPAHTMENT Of REVENUE FUNERAL EXPENSES AND INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT ~ECEOENT FILE NUMBER ESTATE OF 21-10-1000 William R Weber Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. 1' _ _ _ __ _. _ _ . . FUNERAL EXPENSES:.. _ . _ 'Auer Cremation Services of Pennsylvania, Inc. (see attached) ,776.97 ,: Royers/Stephensons Flowers (flowers for funeral -see attached) 159.00 Leed's Restaurant and Lounge (food for funeral -see attached) 301.15 B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: 0.00 Name(s) of Personal Representative(s) Barbara Ruf street Address 101 Delaware Avenue city West Chester state FA zIP 19380 Year(s) Commission Paid: nla 2,500.00 " 2. Attorney Fees: 0.00 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation.) _ Claimant Street Address City State ZIP Relationship of Claimant to Decedent __ 565.50 4. Probate Fees: 5. Accountant Fees: 0.00 6. Tax Return Preparer Fees: 0.00 7. _ _ .., _ _ _ _ .:.. . Estate notice publication 75.00 __ _ __ .. _. __ Additional short certificates ordered 0.00 _. _ _ _ _ __ _. _ _ _ _. __ _._ _. 1-800-GOT-JUNK? (see credit card bill attached) _ __ _ _ ,128.00 _ _.. _ .. _ _ _. TruGreen (lawn maintenance of probate property -see attached) -09/10!10 51.55 _ ..__._ TruGreen (lawn maintenance of probate property -see attached) -09123/10 _ _ .. _. . _ _ 106.00 , ,. _ _., _ _ .Real estate appraisal (see attached) 350.00 TOTAL (Also enter on Line 9, Recapitulation) $ 8,033.17 If more space is needed, use additional sheets of paper of the same size. T0: Barbara Ruf 102 Delaware Avenue West Chester, PA 19380 Telephone Number: 610-350-9454 Fax Number: Aflernale Number. E-Mail: LANDREA APPRAISALS 511 AL !SON AVENUE MECHANICSBURG, PA 17055 OFFIGE: 717-697-8396 GEtL: 717-592-8973 (Preferred Contact Number) FAX: 717-691-7985 INVOICE - ': INVOICE NUMBEA 100014 ...:.;DATE :~ November 2, 2010 REFERENCE Internal Order Ar: Lender Case /1: Client File Ar: Main File li on form: 100014 Other File A' on f orm: Federal Tax ID: 27-2816476 Employer 10: ~DESCRIPj14N ~ ~ ~ ~z 'g ~~ .~ ~ Lender: Gient: Barbara Ruf Purchaser/borrower: NIA Property Address: 722 Bosler Avenue City: Lemoyne County: Cumberland State: PA Zip: 17043-1818 Legal Description: See Oeed Book 33Y Page 776 (Attached) TOTAL DUE I $ o Form NN6 - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMOOE Landrea Appraisals - www.Landrea.com 1Ui12 WAWA 198 00001982 CUNCORDVILLE PA 10.70 10/12 JIf~IS ENTERPRISES tNC PHILADELPHIA PA 10.80 10/12 BARNES !~ NOBLE #2086 EXTON PA 69.82 10/13 ACME #7++182 WEST CHESTER PA 29.99 10/13 ~ WES7 CHESTER ANIMAL HOSP WEST CHESTER PA 26.81 10/14 GIANT FOOD #291 WEST CHESTER PA 22.63 10/15 VJENDY'S Pt-iILADELPHlA PA 5.61 10/15 WHITE GLOVE OF EXTON WILMINGTON DE 21.20 10/15 Tt•!E BISTRO WES7 CHESTER PA 29.48 ie/16 LEEDS >..TD t-IARRISBURG PA 3oi.15 10;'16 WAVJA 81 00000810 VJES`f CHESTER PA 8.80 10/17 KIMBERTON WHOLE FOODS DOWNINGTOWN PA 38.42 10/17 WEGMANS #050 DOWNINGTOWN PA 117.44 101-17~-_- -'~~'"" " "'"° ""WEST~CH~STER•QAhi.lfldAL HOSP WEST CHE-STER PA Y•^ -_.• y .•..r•-.•„-~+.~~'~.~- ~ w~ ~~ ~ 23.93 ~ ~ ^ `r. 10/18 TLF+ROYERS/STEPHENSNS LEBANON PA -~~-~ ~} ~~. ~ ~y ~ 159.0-b' 10/19 ACME #7882 WEST CHESTER PA 19.60 201Q 7'atal~ Yeas-to-Date':.___ Total fees charged in 2010 $0.00 Total interest charged in 2010 $0.00 Year-to-date totals reflect al! charges -rinus any refunds applied to your account on or after January 31, 2010. iNTEl~EST CHARGES .___ ~ iy _ Your Annual Percentage Rate (APR) is the annual interest rate on your account. Annual Balance Accrued Batane~ Percentage Rate (APR) Subject To Interest Interest Type 30 Uays !n Cycle tnterest Ifiate Charges Charges Purchases 12.24% (v) $0.00 $0.00 $0.00 Cash Advances 19.24°~° (v) ;~U.Ot? $0.00 $0.00 Balance Transfer 12.24°i° (v) $0.00 $0.00 $0.00 (v) =Variable Rate . Please see Information Abaut Your Account section for the Calculation of Ralan~;E Sf.~bjcr,t to Interest Rate, Annual Renewal Notice, How to Avoid Interest on Purchases, and other impcrtant intr~rmatian, as applicable. X OOOGOOi Ft83333E U to OOU rJ Z 20 10 102J F'ag~c ~: of c OSti~u MA fvlA ?x803 %93 1 0000 7 30477 4 803J2 PO BOX 18204 ., „ ' j BRIDGEPORT, CT 06601-3204 ~ " ',~ ~ ,~ 'd~ ° ~ ~ .,,~ ;. ~ -, ~~ ~; r~ ~ ~ ~ ` ~ ~ ' 1-B00-6842222 , .. .:~,,, .:. ~.:~ ~ ~ ~ ~ .. ... :~ ~rtr~N~~trrrr~u~rhti,rurrrrn„r~rh rlrr t~rt~~r r r~r q .11!12 i 11/12 ` ' 755451403162331600071$7 PAYMENT RECEIVED 83 93 (=) ~ ~ PURCHA$E5 , . :. .. ;10119 :` _ 100 85247710292980015594094 1-Rtxi-GOT-JtlNK7 ~ WYOAAiSSING PA 1.128 00 ; ;? ,1:0/28 10129 064101903410658300Aa167 : . MEL~ILEUCA, INC .' .: ;.iDdWO FALLS ,10. :. ~ 184 11 ._ .. ' 10/28. . 11/01 :`- ..,. .. .. 56420360302380121512581 . .. ~ VCN'PENNSYLVANIA VLTAL NEW CASTLE PA . 47 00 `11/07 19/08 56432860312000860671918 ORVIS DOWNINGTOWN QOWNINGTOWN::PA , 71.99 -: . 11107..° 11/09. ; ..:55421350312158,149588322.. . IQMBERTON WHOlE F40DS ., DOWNINGTOWN PA `.34.65 . ..~. ..: .: How To Rcach Us .. .. ;.:: •. . , Go gresner.- 5350 JAYCEE AVENUE .HARRISBURG PA 17112 4904 800-888-0651 X444638 09/23/10 Please pay upon receipt. Account Number Application Cost Discount Tax • ~ ~ 4840039864 $100.00 $0.00 $6.00 $106.00 84.2.18946 1 AT 0.357 89569S11.p02 Page 1 of 2 018946 rlllrlir~li~~„~~~I~i~~lii~~ili~l~~~ir~~rllili~~~i~~il~iilli~r~~l William Weber 722 Bosler Ave Lemoyne PA 17043-1818 check Processing Poticv ACH: When you provide a check as payment, you authorize us either to use intormation from your check to make aone-time electronic fund transfer from your account or to process the payment as a check transaction. If we use intormation from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your linanciat institution. If you do not wish us Io use intormation from your check to make aone-time electronic fund transfer from your account, you must notify us by calling 1-866-282.1850. Returns: In the event that your payment is returned unpaid, you authorize us the option to coNecl a tee as allowed by law Through an electronic fund transfer from your account. s;l DATE t DESCRtPT10N OF SERVICES ~ CODE , NE7 AMOUNT ~ SALES TAX ` ' INVOICE AMOUNT 09 23 10 FALL AER ONLY AEi ______~. / / ~ ) $100.00 $6<00 $106.00. ~„ .. ~ ~ ~ _ k F; /~ .. ,i. r ;? t~ .. - - r, , ,., ,. , ~3 .a +} THIS IS YOUR INVOICE FOR SERVICES LISTED ABOVE. YOU WILL NO LONGER RECEIVE AN INVOICE AT YOUR DOOR. PLEASE PAY FROM THIS INVOICE. Complete the remittance below and mail in the enclosed envelope. You can. also pay your bit! on-line at www.tru.~rQ~.com. Qr, make your life easier and EASYPAY: Just give us a call to sign u . Please disre and if ou have alread aid for services listed. Your service will continue ear after ear ntil ou h if P 9 Y Y P Y Y u y of y us to discontinue. a ~ For blNing, service inquiries, or account changes, please call 800-888-0851 ~amnarn.Xae.ccues:ixG:rn:~.~+.s.ra.~sr:....rmvn:~xsi.-o:~aaxaxes.sae.:suu~rrarurea~sm:~a~au:xt~m~r.~.rsr~z~sx:..n~z~r.~vvsmrz.a:::s.:xasa~--=.••...a.^a~ =:ale_se:~•a.:ccsas*msstimrmm:~~.rsYa.:.n.~a...,~,._..s,.r=~-az~=..s..x.~r,._-~~~..~~.,;.uusr_rir....:~;.yxn.~;r_;a.rr...:.'~~~'. Please detach and return bottom portion along with your payment in the enclosed envelope. Please retain top portion for your records. Thank You! Q9/10/10 LAWN SERVICE 5 R05 $4$.63 $2.92 $51,55; ., ~ ~~ ~~3 1~.~ ~. t"~ ,. ~ ~ ~~ ~ ~ ; ., ~~ ~ w tti ~ ~ }'` ~ ~ ......... . i i ~~ ~;;~v ''-,, ll`i! J/ . ~ ~ ~ jr, 1 I ~V ~~ \yy :~ :~ i ~ ... 1r i THIS IS YOUR INVOICE FOR SERVICES LISTED ABOVE. YOU WILL NO LONGER RECEIVE AN INVOICE AT YOUR DOOR. PLEASE ~~A~( FROM THIS INVOICE. - Complete the remittance below and mail in the enclosed envelope. You can also pay your bill on-line at www.tru¢reen~m. Or, make your life easier and EASYPAY. '~ Just give us a call to sign up. Please disregard if you have already paid for services listed. Your service will continue year after year until you notify us to discontinue. i ~ For billing, service inquiries, or account changes, please call 800-888-0851 :s LEed's Restaurant & Lounge 7.5t) Eisenhower B 1 vd . Harrisburg, PA 17111 717.564.4654 Date: Oct16'1Q 01:17PM Card TypF: Visa Acct #: XXXXXXXXXXXX3017 Card Entry: SWIPED Trans Type: PURCHASE Auth Coder Q1511B Check : 37.47 Table: 81/1 Server: 122 aen N Subtotal: ~C11 . ~1 5 Tip :._.___._..___._.._.__...~__w_.~______~..__-__ Total: Signature I agree to pay above total according to my card issuer agreement . ~ * ~ ~ Customer Copy ~ ~ ,. , ,~ ~7~,~~.~~ ~,•r ~ '~ `~~' 4I00 Jonesto;cn Road ~ Harrisburg, P~1 1710') Q 1-80t)-720-8221 ~ Fat 717-541-994 • Sha;;•n E. Carper, SuperYisar 100977 SP-5 Sep 28, 2010 Mrs. Barbara W. Ruf 102 Delaware Avenue West Chester, PA 19380 Wi 1 1 i am R . t~,~eber - Deceased SPECIAL CHARGES X Direct Cremation Nationwide Guarantee Program Worldwide Travel. Protection Program 'T'OTAL SPECIAL Cl-iARGES PROFESSIONAL SEKVICES X Services of Funeral~~Director & Staff Dressing/Cosmetizing X Facilities & Staff for Memorial Service Staff & Equipment for Memorial Service Private 1D Family Viewing Witnessing the Cremation Packaging/Forwarding of Cremated Remains Personal Delivery of Cremated Remains Scattering of Cremated Remains X Visitation TOTAL PROFESSIONAL SEItVTCES A.UTOMOTI V E EQUIPMEN'T' X Removal Vehicle Lead Car/Clergy Car rami Iy Car Service Vehicle TOTAL AUTOMOTIVE EQUIPMENT $1,495.00 X1,495.00 Included $495.00 $100 . X00 $595 . X00 Included $0.00 MERCHANDISE kegister Hook Memor i a 1 ~:ards Thank You Cards Remembrance Package Alternative Container X Terra Earthtone Urn Urn 1:3urial Vault Container Veterans Flag Case Grave/Memorial Marker TQZ'AL MERCHANDISE CASH ADVANCED ITEMS Grave Opening Cemetery Equipment X Harrisburg Patriot News Newspaper Notice Newspaper Notice X Clergy - Rev. Terry O. Frederick Church/Sexton/Organist/Soloist Flowers X Crematory Charge X Cumberland County Coroner Fee X 15 Cart i f i ed Copies of ~ Death Certificate $195.00 $195.100 $251.97 $125.00 Included $25.00 $90.00 TOTAL CASH ADVANCED ITEMS .. ~ $491.97 SUMMARY OF CHARGES Special Charges $1,495.00 Professional Services $595.00 Automotive Equipment `$0.00 _ Merchandise $195.00 Cash Advanced Items $491:97 S U ti `T'OTAL $ 2 , ? '/ 6 . 9 7 - CREDITS -$155.00 AMOUNT PREPAID llate $0:00 TOTAL $2,621.97 AMOUNT PAlD Date Oct 16, 2010 -$2,621.97 BALAN(:E DUE $ 0 • ~ 10 THIS STATEMENT MAY NOT REFLECT ALL NEWSPAPER CHARGES RE`/-1512 EX+ (12-03) '~~~'- ~ ~ ~~ ~ pennsytvania SC~IE~ULE I DEPARTMENT OF REVENUE DEBTS OF DECEDENT, INHERITAiJCETAXRETURN MORTGAGE LIABILITIES & LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER William R Weber 21-10-1000 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• _ .. GM Card (see attached) 51.80 _.. __ Cfiase (see attached) 138.63 UGI (see attached) 9.05 _.._ Consumer Cellular (see attached) 26.58 _. _.. _._ .Keystone Oil (see attached) 262.07 PPL Electric (see attached) 19.05 Pennsylvania American Water (see attached) ~ 27.80 .Pennsylvania American Water (see attached) 30.22 ': ,. E r _,.:.....:v ... 9 1 1 _... Borough of Lemoyne -Trash and Sewer (see attached) y y K ....... .. _. .. .. ~ ..< ~ .. a .. ... ..uy1il~:~..: 120.50 .: TOTAL (Also enter on Line 10, Recapitulation) $ ' 685.70 If more space is needed, insert additional sheets of the same size. ~_ ~ , Payment Due Date Naw Balance ,. Past Due Amount Minimum Payment _ 71/25/10 ~ __.. _ I X138.63 $10.00 $20.Ot} ~1~ ~~~~ '~i ~~~.j L, Account number: 4417 12J1 3710 1099~'`~ i ti . ~ ~' ~ ~ i'AAa~ke yyour check payable to: ~ ~'~, i Chase Card Services. ! ,ti ` • Pleaso write amount enclosed,. New address or a-mail? Pri~tbn ~ k. ~.. ~~ ~ 4 ],71291,371D1099DDDD2DOOD~D~~6~Ot~0~~}Q 50504 BEX 2 30110 D ~ ~ 1 J " ~ ! + + t EST OF WILLIAM WEBER ~J ~ t ~~~i 1T~i~l~~~~i~~~t~~i~~~~i~irlil~~~~~~i~t~t~r~lt~~~~~~ 722 t30SLER AVE 1 LEMOYNE PA 17043-1818 CAROMEMBER SERVICE PO BOX 15153 WILMINGTON DE 1 9886-5 1 53 .• irr~~~~~r~~~rr~~~~~~r~~~~~i~~~~~r~rr~r~~~rr~rrr~r~r~ +: 5000 ~ 60 281: 2 2 ~ 9 13 7 1D LO 9 9 311° i ~. .=~:: BAs SfNY/CE Billingg Summary for Service to: WILUKM R WEBEFf EST coo eaReaRa RuF 722 80SLER AVE t_EMOYNE PA 17043 Rate Classification: Residential General Wilting Period: 09/29!2010 to 10/28/2010 (29 days) Remote Device Read Questions? Call 500-276-2722 or write to UGI at PO BOX 13009 Reading, PA 19612-3009 * Your current UGi charges include State taxes totaling about $ 0.79. Past Bill information -UGI Utility r" y ~~ ~r ~rms~~' The account balance on our last bill was $ 12 31 '~~'S#41~1twF NutT;t~r `~j Thank you for your payme t o .................................. -12:31 21654 i 5181~W~ ~ '.. ~~ n f .. .. 66 Your balance as of 11 /01 /2010 ...................:.. .............. .0 Current BIN Information -UGI Utility Customer Charge .....:......................................................... 8.55 PA State Tax Surcharge ................................................... -0.02 PA Sales Tax ........................ ............................... 0.52 .... . . ........ .. Total Current Charges -UGI Utility ................................ ~' 9.T'' UGI Utility charges owed this bill _. .... ... ...........:.......:....... ..........:........... = 9.05 Tota! Amount Due, Please Pay by Due Date (11122/2010) ..........................:.......... $ 9.05 ~ roo' z4 Hour EMEi~GEi~OY ~E~t!/1GE SjRTEiWEtVT CL05lidG DATE ACCOUNT NO. P41GE /2010 10/29 K5110 1 ~~~ ESTATE OF WILLIAM WEBER BARBARA RUF 102 DELAWARE AVENUE WEST CHESTER PA 19380 P/ease detach and mail with your remittance. ,1 Page 1 of 1 ~~~~ ,~ ~~YS~'O~TE OIi.a ~ P. O. Box 157 • Carry Hill, 1~.~-17011 PA5585 :~ Phone: (717) 737-3551 ~ ~ Hawing Oil o ,~Ir Cancll~2lonlnr~ ~ ~% Z;~ m Oil B~.Irnars ° Heat P~naps ® -JVa1~r Haaiers ~ Service Cor~traci:s WILLIAM R. WEBER (A) FR 722 BOSLER AVENUE LEMOYNE PA 17043-1818 Pay Online At: www.keystoneoilproducts.com Aflr10UNT ERICLOSEp REFEREPdCE DATE ®ESCRiPTl~6~ A~®UNT 10/01 /2010 Balance Forward 743348 10/15l'2010 Fuei Oii invoice ~ ~ $262.07` PEIaCEN'TAGE RATES PE4~IODIC Af~tdUA,L_; ' = ` Acct# K5110 1.50 18.00 STATEi?JIENT DATfc GU6tREN FINANCE CHARGE; T~ FINANCE IS CoPRPUTED'IDIV F ~. CHP,F2GE . .~. ~~ - THiS AIIflOUidT ~~ ' "~ P1 $0.00 11/30/2010.1 ~~~ $262.0 30 DAYS 60 DAYS 90 DAYS- a 10/29/2010 $262.07 $0.00 $0.00 $0.00 $262.07 KEYSTONE OIL • P. O. BOX 157 • CAibiP HILL, PA 17011 PHONE (717) 737-3451 Pay On-Line at: ~J~r.keys~toneoilprod~cts.cor7 ~ -~ ~~. ~ ~ ~~ ~nsurner C~el~ul~l~~ J ~.____ .,_....,~ ,..,~ ,a~~~.n ahnvP portion with your payment Consumer Cellular 7204 SW Durham Road, Suite 300 Portland, OR 97224.7574 Address Service Requested ^ Check here for change of address (see reverse for details) Rerrri##ance Section . Account Number 1.00051075 Due Date 09/29/2010 Amount Dus $13.68 Amount Enclosed $ Please print your account Number on your check and make payable to Consumer Ceuuiar Vaa~sr .. +'... ® 4vN~pww To pay by credit card, complete information on back 2642006052 PRESORT 6052 1 AT 0.357 P1C29 <B> Irll,rlrrr,r„r.Irr.rl~rl~ll~rl~r~~lrrr~lrlrl~rl~urrrlr~rr.Ir,lr WILLIAM R WEBER l~i~r:: 722 BOSLER AVE Es.i~ LEMOYNE PA 17043-1818 CONSUMER CELLULAR P.O. BOX 7175 PASADENA, CA 91109-7175 Irlrrlrl~~rrrlrl~~r,rrrrrrlrl~rllrlllrlll~rrl~rlrlrrr.rrrrr,lr,rr OOOOOOD091061563 0000000100051,0?5 000000000000],368 ~ oral H~nvu~~• •••••, day service wd~ ~a~ ~~c~~,... , ,.-.-.-~ ..-. _. _. r. .____.........,..a..,., ..., n~nc 7 to ~rt~rif~r the flauc this inv~ir:P Customer Account Information Billing Summary ) ~~ ~~;'~ For Service To: William RWeber ----------Prior Balance------------------------ 722 Bosley Ave Prior Water Balance $15.72 Account Number:. 24-0627612-7 Prior Balance Other $14.50 Premise Number: 24-0370879 Payments prior to Nov 08, 2010. Thanks! -30.22 Total prior balance, Nov 08, 2010 .00 Billing Period & Meter Information -•--------Current Water Charges-----__.__ Billing Date:. Nov 08, 2010 _ Service Charge 13.00 Billing Period:, Oct 06 to Nov 03 (28 days) STAS PAWC Water 0.45% . 06 .Next reading on/about: Dec 06, 2010 DSI -PAWC Charge 1.85% . 24 Rate-Type: Residential Total water charges, Nov 08, 2010 13.30 ----------Other Current Charges-=-------- Meter readings in current billing period: Customer Protection Sewer Line 9.00 Meter Number N000184818 is a 5/8-inch meter. Customer Protection Water Lute 5.50 Present-actual 177100 Total other charges, Nov 08, 2010 14.50 Last-actual 177100 _ . Gallons used 0 -- --AMOUNT DUE; ~-•-~-- -r---- $27.80 '~ . ~~.~ ~ ~,. With paperless billing, you can receive and pay your PPL Electric Utilities - bi11s online. The process is free, quick, convenient a11d secure. To learn more or si~Il ua, V1SIt WWW 7iri1P.lPr-tr;r ~nm Page 1 ::.... .;_: ;YtYUf ~i~l Aiccbittlf::~ItfffibPX >:~ :: `::: PPL electric ~ 74660-75004 .~ ~ ... ::. lJfiilities w.,~ ~ .:: .. -. i~v#isr~;~aallut Q~~t~rslux •~ .:: ~l~~tr~~ wary ~~~ - S~rvi~e ,~ ~ ~ Balaa~ce as of Nov 5, 2010 ~ ~ ~ $0.00 ~,~ For: Char es: BARSaxA W RtiF Tota~PL Electric Utilities Charges $19.05 722 $OSLER AVE ~~ 9.05 LEMOYNE PA 17oa.3 Total Charges .::: ._ _ Account Balance $19.05 Quesfions aboa~t this bill? Please . contact us by Nov 29 at 1-800-342-577 (1-800-DIAL-PPL) . Address Service Requested 171 SERVICE i_OCATION: ACCOUNT# Inv# 722 BOSLER AVE 297275 450020 - SEWER SERVICE 10/01/2010 TO 12/31/2010 .. REFUSE SERVICE 10/01/2010 TO 12/31/2014 LtMUYNE, PA PERMIT NO. 104 'WILLIAM WEBER :722 BOSLER AVE ~LEMOYNE PA 17043 U71LlTY CURRENT PREVIOUS ~ READING READING USAGE 'CHARGES ' ACCOLt~lT ~!O: WATER CO. NO. 297275 SEWER 0 0 0 $80.00: REFUSE ~ $40.50 ;PAY $120.50 BY 12/kT~~10 PREV BALANCE ~ $0.00 ~ :PAY $126.53 AFTER12N 7!2010; _,_ _ _ _~ _ _ _ _ _ ~~_ _~ ._.-_-' •• --_ - . RETURN THIS STUB WITH PAYMENT IF PAID t3Y ~ 12117/2010 ' PAY $120.50 ~~ ~ ~ ~~~ ~ IF PAID AFTER llllt W .------- lllVl .. ~12/~~'~2Q1SL.-----.--~t~s~~~11~i:1.i.~s.~~~.53~~, 4~``/ .~. i' ~ ~ s.e..nr DN.IIf nn o 'Dollars ~ `..~°~., Oct. Citizens dank Pennsytvanla rj '~`.~ ~- x:0360?6 150: 6 2 238656 39!!' S.0 ~0 ~ ~ 1 ~ G M Card {.- Cl' ~ - --~ ~ r~ . t, ~lLLlAM R WEBER ~ Pa e 1 of 2 revious Balance -~~ -~ ayments ,,{~ ether Credits urchases/Debits aiance Transfers `j :ash Advances 'ast Due Amount _ 1 /~'~ ees Charged `~'~r~,~( Merest Charged 't lew Balance ;evolving Credit Limit ;evolving Credit Available :ash Limiit ;ash Available >tatement Closing Date lays in Billing Cycle Cash Limit is a portion of Total Credit Limit. ~. $141.53 $141.53 $0.00 $51.80 $0.00 $0,00 $0.00 $0.00 $0.00 $51.80 $11,000.00 $10,948.20 $2,750.00 $2,750.00 October 1, 2010 zy 1 GM World Card MasterCard Account Statement Account Number 5523 18081122 8433 From September 2, 2010 to October 1, 2010 New Balance ___._...._.._...._......._.. ..............._...._..........:_ $51.80 Minimum Payment Due $15.00 Payment Due Date October 27, 2010 late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee from $19.00 to $39.00 and your APRs may be increased to the Penalty APR of 30.99°,6. Minimum Payment Warning:lf you make only the minimum payment each period, you will pay more in interest and it wilt take you longer to pay off your balance. For example: If you make no additional You will pay off the And you will end up paying charges using this card balance shown on an estimated total of... ~~td eaci r mo~~in yvu Yay... tr ~r~ oiaca~i ~cr~t r~ i about... Only the minimum 4 Months $53 Payment If you would like information about credit counseling services call in 1-866-569-2227. questions? 24-Hour Automated Account Information Espanol Lost or Stolen Card Outside USA Cottect TDD/Hearing Impaired 1-888-763-5655 1-888-763-5655 1-877-213-0779 1-757-523-3880 1-800-685-9020 ~,. Payment Address: HSBC Card Services, PO t3ox 37281, Baltimore, MD 21297-3281 Billing Inquiries: Customer Center, P.O. Box 80082, Salinas, CA 93912-0082 Manage Your account online at www.gmcard.com As a reminder, you may pay your credit card bill online or through our automated phone system for no fee. Trans Date Post Date Description of Transaction or Credit Reference Number Amount + i~ r ~ ~ ~ l[eA\~~° ~ILI, AI~T~ 7C~S'g'ARR~l~T°~' ~~ W~LL~AM Ro WEBER I, WILLIAM R. WEBER having my legal residence at 722 Bosler Avenue, Lemoyne, Cumberland County, Commonwealth of Pennsylvania, do here'uy declare this to be my Last WiII and Testament, revoking all other Wills and Codicils heretofore made by me. I declare that I am not marred and that I do not have any children born to me. ITEM 4NE: I direct that all my valid debts and the expenses of my last illness and funeral be paid from my estate as soon as practicable after my death. ITEM TWO:. I give all of my tangible personal property to my sister, BARBARA W.• RUF. In the event BARBARA W. RUF fails to survive me I give all of my tangible personal property to R. MATTHEW RUF, JASON C. RUF and KIMBERLY R. MULVANEY, the children of my sister Barbara W. Ruf, and as follows: A. Ali items of tangible personal property shall be inventoried and valued at a fair market value. B. I may leave a Memorandum listing some of the items of my tangible personal property which I wish certain persons to have and request that my wishes as set forth in the memorandum be observed by my Personal Representative. Any items of tangible personal property not so designated shall be divi d -a~d,'~ _t-~i _ . , mong ~~`r~~~ s,~Nd~o my beneficiaries as follows: ,,.. LO ~01 ~~~' (-1~0 QiOl 37 8041-1 1 ~ r ~ • C. Each of my beneficiaries may select one item, in rotation, in order determined by lot, until such time at which the items chosen by that beneficiary reach such beneficiary's proportionate share of the total value of my estate, or until such time as the beneficiary wishes to make no further selections. D. Any items not selected shall be sold and the net proceeds added to the residue of my estate. E. To the extent that my beneficiaries are unable to agree, the decision as to what may constitute "one item" for purposes of this selection shall be made by my Personal Representative(s). F. Any disputes concerning this method of allocation shall be resolved by my Personal Representative in my Personal Representative's sole discretion. G. To the extent my Personal Representative is unable to resolve a dispute among two or more of my beneficiaries concerning the in-kind distribution of any of my personal property, I direct my Personal Representative to sell the disputed property and the net proceeds there from added to the residue of my estate. IT]EIVI TI~REE: I give, devise and bequeath any interest I may own in any real property together with the insurance thereon to my sister, BARBARA W. RUF. In the event BAR.BAR.A W. RUF fails to survive me I direct that any interest I may own in any real property together with the insurance hereon shall pass with the residue of my estate. ITEld~ FOUR: I give all the residue of my estate, of whatsoever nature and wheresoever situate, to my sister, BARBARA W. RUF. In the event BARBARA W. RUF fails to survive me, I give all the residue of my estate to R. MATTHEW RI_JF, JASON C. RtTF and KIMBERLY R. MULVANEY, the children of my sister Barbara W. Rui; iu equal shares, per stirpes. In determining the value of a beneficiary's share of my residuary estate, I direct that the value of my residuary estate be augmented by the value of any personal property distributed in- kind under Item Two, above. ~ 37804]-1 2 -- ~,l • ITEI~i FIVE: Should any beneficiary of mine be under the age of ttiventy-five (25) years, my Personal Representative shall hold such beneficiary's share of my estate, as Tnistee, Ii\t TRUST and shall invest, reinvest and distribute the principal and net income of such benef ciary's share as follows: A. Until such beneficiary attains the age of twenty-five (25) years, my Trustee, in my Trustee's sole but reasonable discretion, may pay or apply the income and any or all of the principal of such beneficiary's share for the health, maintenance, support and education of such beneficiary considering all other sources of income available to such beneficiary and known to my Trustee. Upon such beneficiary attaining the age of twenty-five (25) years, my Ttustte shall distribute the balance of the principal and accumulated income, if any, of each such beneficiary's share to such beneficiary. B. Should the principal of the Trust Estate, in the sole opinion of my Trustee, be or become too small to warrant placing or continuing of such fund in trust or should its administration be or become impractical for any other reason, my Trustee, in the exercise of their sole discretion, may pay such share absolutely to the person maintain- ing such beneficiary or may place such shares in the beneficiary's name in an interest- bearing deposit in any bank, bank and trust company or national banking association of his choosing, payable to the beneficiary at majority, or if said beneficiary has reached his or her majority, then to him or her directly. C. All shares of principal and income hereby given shall be free from anticipation, assignment, pledge or obligation of my beneficiary(s), and shall not be subject to any execution or attachment. ITEM SIX: I appoint my sister, BARBA..RA W. RUF, Personal Representative of this my Will. In the event my sister, is unable or unwilling to serve or to continue to serve, I appoint my nephew, R. MATTHEW RUF, Personal Representative(s) of this my Will. I give to my said Personal Representative the same powers as are hereinafter given to my Trustee. Such powers shall be in additioiz to those conferred bylaw. 378041-1 3 x 1 f ~ t ITEM SEVEN: I appoint my sister, BARBARA W. RUF, Trustee of the Tnist(s) created pursuant to Item Five, above. In the event my sister is unable or untivilling to serve or to continue to serve, I appoint my nephew, R. MATTHEW RUF, Tn2stee of the Trust(s) created pursuant to Item Five, above. ITEM EIGHT: No bond shall be required of any fiduciary hereunder in any jurisdiction. No fiduciary hereunder shall have any liability for any mistake or error of judgment made in good faith. ITEM i`tIi`IE: I authorize rr~y Personal F.epresentative and Tnlstee to exercise the following powers in addition to those given by law, to be exercised in their sole discretion: A. To retain any or all of the assets of my estate, without regard to any principle of diversification, risk or productivity; B. To invest in all forms of property without restriction to investments authorized for any type of fiduciary; C. To compromise any claim or controversy; D. To loan money to or buy property from my estate; E. To borrow money from any person, including any Executor or Trustee, and to mortgage or pledge any real or personal property; F. To sell at public or private sale, to exchange. or to lease for any period of time, any real or personal property, and to give options for sales, exchanges or leases, all for such prices and upon such terms and conditions as they deem proper; G. To allocate receipts and expenses to principal or income or partly to each as they deem proper; H. To repair, alter or improve any real or personal property; I. To distribute in cash or in kind or partly in each at valuations fixed by them; J. To keep reasonable amounts of cash in a bank uninvested if deemed advisable for the protection of the principal; K. To subscribe for or to exercise options for stocks, bonds or other investments; to join in any plan of lease, mortgage, merger, consolidation, reorganization, foreclosure or voting trust and to deposit securities thereunder, and to generally exercise all the rights of security holders or employees of any corporation; L. To register securities in the name of a nominee or in such manner that title shall pass by delivery; M. To add to the principal of any trust created by this instrument any real or personal property received from any person by Deed, Will or in any other manner; N. To exercise all power, authority and discretion given by this instrument after the terrnii~ation of any trust created herein until the same is fully distributed; 378041-1 4 r K 1 u O. To use their sole discretion in deciding whether stock dividends on stock they hold in trust should be apportioned to principal or income, except stock dividends of regulated investment companies ~vhich shall be added to principal; P. To commingle the assets of any trust estate created by this Will in any one or more common funds for greater convenience and flexibility; Q. To employ agents, accountants, engineers and such other persons, professional or otherwise, as maybe necessary for the proper administration of this estate or trust and to pay their compensation from such funds; and R. To disclaim all or any interest in a property passing to me or my estate. ITEM TEN: I realize that Personal Representatives are given discretion by law to make various elections which affect the income and estate taxes payable by estates and beneficiaries, as well as the relatlve shares of bereficlanes, such. as taking administration expenses as deductions for either estate or income tax purposes, selecting options for the payment of employee death benefits, electing to take a qualified terminable interest as part of the marital deduction, selecting alternate valuation dates, postponing the payment of taxes, filing joint income tax or gift tax returns and redeeming corporate stock. The decisions made by my fiduciaries in any of these matters shall be binding upon, and not subject to question by, any affected persons. I rely upon my fiduciaries to take into consideration the total income and estate taxes payable by reason of their decisions including those payable by my survivors, and they are authorized II1 their discretion, but not required, to make adjustments between income alld principal as a result thereof. ITEM ELEVEN: I direct that all estate, inheritance and other taxes in the nature thereof, together with any interest and penalties thereon, becoming payable because of my death with respect to the property constituting my gross estate for death tax purposes, whether or not such property passes under this my Last Will and Testament, shall be paid from the principal of my residuary estate, and no person receiving or having a beneficial interest in any such property, whether under this my Last Will and Testament or otherwise, shall at any time be required to contribute to or refund any part thereof; PROVIDED, however, that this direction shall not apply to the taxes on any property included in my estate solely because of a power of appointment 378041-1 5 oc ) r thereover which I possess but have not exercised or on any qualified terminable interest or to any generation- skipping transfer taxes. ITEIVI TWET VE; If any beneficiary, person or entity in any manner, directly or indirectly, contests or attacks this Will or any of its provisions, or objects to the accounts or actions of my fiduciaries, tivithout probable cause, such beneficiary, person or entity shall pay all costs, including but not limited to attorneys fees, arising in connection with such contest, attack or objection incurred by my estate, such trust or such fiduciary personally. In the event that such beneficiary, person or entity does not prevail in such action, any share or interest in my estate or suc h trust which would otherwise pass to such bf~r_ef ciary, person, entity or remainderman under this Will shall be revoked and the property consisting of such share shall be disposed of in the manner provided herein as if that contesting person or entity had predeceased be without surviving issue. ITEM THIRTEEI"~t: Should any of the provisions of my Will be for any reason declared invalid, such invalidity shall not affect any of the other provisions of this Will and all invalid provisions shall be wholly disregarded in interpreting this Will. ITEM FOURTEEN: This Will shall be construed, regulated and governed by and in accordance with the laws of the Commonwealth of Pennsylvania. IN WITNESS WHEREOF, I have at Ilarrisburg, Pennsylvania, on July 30, 2007, set my hand and seal to this my Last Will and Testament consisting of six (6 j pages plus any witness, Affidavit and Certification pages. WILLIAM R. WEBER 378041-1 6 < we ~ w SIGNED, SEALED, PUBLISHED AND DECLARED BY ti'VILLIAM R. WEBER, the above named Testator, as and for his Last Will and Testament, in the presence of us, who, at his request and in his presence, and in the presence of each other, have hereunto subscribed our names as witnesses. i~~ ,: ~~ii1t .. 11;7i±;,Pcc J Address Address (' 378041-1 7 ,~ ~ ..~ AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA : SS: COUNTY OF DAUPHIN A We WILLIAM R. WEBER, (1~ and ~gi~T ~ C-i(Zv(~~, (~~, the Testator and the witnesses respectively, whose names are signed to the attached or foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the Testator signed and executed the instrument as his Last Will and Testament that he had signed willingly (or willingly directed r,«,+tl. ~ ?.. 1 rl ~~-n+ -+ ~--~-~ ~; nr. L ir. rss z .~.. ~' l,n ~w...nnn a[1~~~ii2r t0 Si>;ii fur itilii~, aiiu ~[[a~ 112 r;i~tti..~;i~C,u 3c a~ 1it~ fi~.e alzd VGlsnta~ «.,t i0r t~~,, ~:,uiYv~w therein expressed, and that each of the witnesses, in the presence and hearing of the Testator, signed the Will as witness and that to the best of their knowledge the Testator was at that time eighteen years of age or older, of sound mind and under no constraints or undue influence. Subscribed, sworn to ,and acknowlec Testator and the witnesses, on July 30, 2007. 378041-i ,. Nota Public or PA Attorney COMMONWEALTH Of= PENNSYLVANfA Notarial Sea! Angela M. Miller, Notary Public City of Hamsburg, Dauphin County 8 My Commission Expires Oct, 15, 2010 ,W'TT .T .T A M R WFRRR