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Home My WebLink About03-28-11 (2)1,5056071,01, REV-1500 EX (06-05) OFFICIAL USE ONLY aA. ~epar'ment of r~evence Aureau of'ndividual Taxes County Code YeGr -~ile Number ro ~Cx z~cEO~ INHERITANCE TAX RETURN "arrisbury, ?A ~~~za-osc - RESIDENT DECEDENT E I 1, 0 0 7 1, 5 ENTER DECEDENT INFORMATION BELOW Sociai Security Number Date of Death Date of Birth 2 0 7 2 2 2 5 9 7 0 6 5 0 2 0 1, 0 0 4 E 5 1, 9 5 1, Decedent's Last Name Suffix Decedent's First Name MI W H I T C O ~1 B D O R I S ~ (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW 1. Original Return ~ 2. Supplemental Return ~ 3. Remainder Return (date of death prior to 12-13-82) 4. Limited Estate ~ 4a. Future Interest Compromise (date of ~ 5. Federal EstatE~ Tax Return Required death after 12-12-82) 6. Decedent Died Testate ~ 7. Decedent Maintained a Living Trust ~ 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust) 9. Litigation Proceeds Received ~ 10. Spousal Poverty Credit (date of death ~ 11. Election to tax under Sec. 9113(A) between 12-31-91 and 1-1-95) (Attach Sch. O) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Plumber R I C H A R D P M I S L I T S K Y 7 1, 7 2 4 I 6 3 6 5 Firm Name (If Applicable) O N E W E S T H I G H S T R E E T First line of address Second line of address S U I T E 2 0 8 City or Post Office State C A R L I S L E P A ZIP Code -- -~.~-, REGISTER CiI~NILLS USE O'P~Y -.~- _;,; . . -_~ :~~ ~.~ - r r-n I^t? -. --c~-r '. _ r~ - _,~ r. ~ . D~E FILED .+~ ` , _.. i ,~ 1 7 0 ~ ~ Correspondent's a-mail address: FAITHRPMLAW(a.EMBARQMAIL.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 comple .Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge. SI NAC UR OF P~~~ QNSIBLE FOR FILI G RETURN I~pJ~ ADDRESS 39 TEABERRY DIVE CARLISLE PA 1,701,3 SIGNATUR~ PREPARER OTHER THAN RFPRF~FNTaTivF 1 „~T~ ~~ .~~ -, __~ ::' w. J ?"` E ~`) -_~-~ Side 1 1,5056071,21, 1,5056071,21, J REV-15CC EX Decedent's Name: D O R I S J W H I T C O I'1 B Decedent's SociUl Security Number 2 0? 2 D 2 5 9? RECAPITULATION 1. Real estate (Schedule A) ....... 1. 5 8 ? !5 D 0. 0 0 2. Stocks and Bonds (Schedule B) ............. ........... 2 1, 6 8 `~ 1, 8 D ? 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ... .. 3. • 4. Mortgages & Notes Receivable (Schedule D) .................. .. 4. • 5. Cash, Bank Deposits 8~ Miscellaneous Personal Property (Schedule E) ..... .. 5. 7 5 D 2 2 . ? 2 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested ..... .. 6. • 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) ^ Separate Billing Requested ..... .. 7. • 8. Total Gross Assets (total Lines 1-7) ......................... .. g. 6 B 1, 4 4 0 . ? 9 9. Funeral Expenses & Administrative Costs (Schedule H) ........ ...... 9. B D ? 5 1, 5 8 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) ...... ..... 10. 2 B ~ B 9 4 D 11. Total Deductions (total Lines 9 & 10) ...................... ..... 11. 5 5 `~ 9 D ? 8 12. Net Value of Estate (Line 8 minus Line 11) .................... ..... 12. 5 ? ? ~~ 5 D D 1, 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made (Schedule J) ............. ..... 13. 14. Net Value Subject to Tax (Line 12 minus Line 13) ............. ..... 14. 5 ? ? ~ 5 D D 1, TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X .00.00 D D D 15. 16. Amount of Line 14 taxable at lineal rate X .045 5?? 4 5 D D D 16. 17. Amount of Line 14 taxable at sibling rate X .12 0 ~ 0 17. 18. Amount of Line 14 taxable at collateral rate X .15 D D D 1 g 19. Tax Due ............ ........................... .. ..... ..19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT 1~5056D?221, 0. D 0 2 5 9 8 5. 2 5 0. D 0 0. 0 0 2 5 9 8 5. 2 5 Side 2 1,50560?221, 1,50560?221, RSV-' 50C EX Page 3 Decedent's Complete Address: File Number 2'1 10 6715 GECECENT'S NAME DORIS J. WHITCON1B S?=c `. ; AC C ~ E SS ------- - - -- -------- 102 THIRD STREET CITY ~ ST.ATE ~ ZP BOILING SPRINGS ~ PA ~'~ 17007 Tax Payments and Credits: - Tax Due (Page 2 une 19) (1) 25,985.25 2. Credits/Payments A. Spousal Poverty Credit B. Prior Payments 28,277.00 C. Discount 1,299.26 Total Credits (A + B + C) (2) 29, 576.26 3. Interest/Penalty if applicable D. Interest E. Penalty Total Interest/Penalty (D + E) (3) 0.00 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Fill in oval on Page 2, Line 20 to request a refund. (4) 3,591.01 5, If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) 0.00 A. Enter the interest on the tax due. (5A) B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (5B) 0.00 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 : ................................................................ ...... ^ ^X b. retain the right to designate who shall use the property transferred or its income; ......................... ...... ^ ^X c. retain a reversionary interest; or .......................................................................................... ...... ^ X^ d. receive the promise for life of either payments, benefits or care? ................................................. ...... ^ Q 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? ................................................................................. ...... ^ Q 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? ... ...... ^ Q 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? ............................................................................................ ...... ^ 0 IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is three (3) percent [72 P.S. §9116 (a) (1.1) (i)]. For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero (0) percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [72 P.S. §9116(x)(1.2)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent, except as noted in 72 P.S. §9116(1.2) [72 P.S. §9116(x)(1)], The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent [72 P.S. §9116(x)(1.3)]. Asibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. SCHEDULE A COMti10NU`JEALTH OF PENNS''L'JANLq REAL ESTATE INHERITANCE TaX RE`URN RESIDENT DE ;EDEw- ESTr"~TE OF FILE NUMBER GORIS J. ~NHiTCON18 21 1G 0715 All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value s refined as the :,rice at whim ~rcperty would oe exchanger be;weer a w'~!~rg payer ar.d a wi!lirg seller, neither being compelled to buy or sell, bcth '~~aving reasenabie Kr,owiedge of the re!e~~ant fat's. Real roe which is 'ointl -owned with ri ht of surrivorshi must be disclosed on Schedule F. 'T=~! VA~I.~E A.T DATE ti's^~'BE~ ~E~CR!~T!CN "~ DEATH '. 102 THIRD STREET BOILING SPRINGS PA 17007 210,000.00 TAX ID # 40-29-2482-228 APPRAISAL ATTACHED AS EXHIBIT A 2. 1 HIGH STREET BOILING SPRINGS PA 17007 148,500.00 TAX ID # 40-29-2484-055 AGREEMENT OF SALE ATTACHED AS EXHIBIT B 3. MOTTER LANE, CUMBERLAND COUNTY LAND 29,000.00 TAX ID # 40-13-0126-006 APPREASSAL ATTACHED AS EXHIBIT C TOTAL (Also enter on line 1, Recapitulation) ~ $ 387,500.00 (If more space is needed, insert additional sheets of the same size) RE`J-1503 EX - ,5-98) SCHEDULE B COMMCN!NEALTH OF PENNSYLVANIA STOCKS & BONDS INHERITANCE TAX RETUP*~ RESICENT DECEuENT ESTATE OF FILE NUMBER DORIS J V`JHITCOMB 21 10 0715 All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM ~ VALUE A; DATE ~Ju"~18ER DESCR~PTICti CF DEATH 250 SHARES OF RITE AID CORPO~~ATiON STOCKS ATTACHED AS EXHIBIT D 245.06 2. PNC CAPITAL DIRECTIONS ACCOUNT #8689-1632 ATTACHED AS EXHIBIT E 64,299.57 73.821 SHARES ARTISAN MIP CAP VALUE INVESTOR FUND @ $16.99 PER SHARE 1067.020 SHARES BLACKROCK LQDTY TEPCSH DL @ $1.00 PER SHARE 489.331 SHARES EATON VANCE LARGE CAP VALUE FUND A SHARES @ $15.27 PER SHARE 284.809 SHARES FED. EQUITY KAUFMANN FUND A SHARES @ $4.42 PER SHARE 3356.030 SHARES FED. TOTAL RETURN BOND FUND A SHARES @ $11.17 PER SHARE 417.728 SHARES FIDELITY ADVISOR FLOATING RATE HI INC. @ $9.39 PER SHARE: 32.201 SHARES JP MORGAN EMERGING MARKETS EQUITY FUND @ $19.54 PER SHARE 1360.821 SHARES MAINSTAY LARGE CAP GROWTH FUND A SHARES @ $5.49 PER SHARE 157.454 SHARES MAINSTAY ICAP INT'L FUND A SHARES @ $23.74 PER SHARE 3. PNC IRA ACCOUNT #8543-8829 9,693.44 1116.756 SHARES PUTNAM ASSET ALLOCATION CONSERV. FUND A @ $8.68 PER SHARE -ATTACHED AS PART OF EXHIBIT E 4. 1620 SHARES PNC FINANCIAL @ $56.60 PER SHARE ATTACHED AS EXHIBIT F 91,530.00 5. 100 SHARES WALT DISNEY @ $31.50 PER SHARE ATTACHED AS EXHIBIT G ~ 3,150.00 TOTAL (Also enter on line 2, Recapitulation) ~ $ 168,918.07 (If more space is needed, insert additional sheets of the same size) ~?.E`J-1508 EX r ;6-98; COMti1GNWEALTH Or PENNSY~`JANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY >WSTATE OF FILE NUMBER DORiS J. ~J~JHITCOfV1B 21 10 0715 Include the proceeds of iit~gation and the date the proceeds were receive: Ny she estate. All property jointly-owned with right of survivorship must be disclosed on Schedule F. TEM ~iALJ~ AT ~A.TE 1;~"~15ER CE~CRI~T!CN G~ CE.4 T H ^. CITIZENS BANK CHECKING ACCOUNT # 6100%2827;' EST. i15i1975 6,525.01 P O BOX 42001 PROVIDENCE RI 02940 ATTACHED AS EXHIBIT J 2. CITIZENS BANK CHECKING ACCOUNT# 622574-746-3 EST. 5/27/2010 20,017.70 P O BOX 42001 PROVIDENCE RI 02940 ATTACHED AS EXHIBIT K 3. PNC BANK CHECKING ACCOUNT #5004232186 EST. 09/29/2003 649.26 P O BOX 609 PITTSBURG PA 15230 ATTACHED AS EXHIBIT O 4. PNC BANK SAVINGS ACCOUNT #5003705949 1,035.48 P O BOX 609 PITTSBURG PA 15230 ATTACHED AS PART OF EXHIBIT O 5. F & M TRUST CHECKING ACCOUNT #33-09002 32,388.33 3 EAST 1ST STREET BOILING SPRINGS PA 17007-0400 ATTACHED AS EXHIBIT N 6. F & M TRUST CHECKING ACCOUNT #33-23838 2,506.94 3 EAST 1ST STREET BOILING SPRINGS PA 17007-0400 ATTACHED AS PART OF EXHIBIT N 7. SUBARU FORESTER 2006 GOOD CONDITION BLUE BOOK VALUE ATTACHED AS 10,875.00 EXHIBIT P 8. SUBARU IMPREZA 1997 FAIR CONDITION BLUE BOOK VALUE ATTACHED AS 1,025.00 EXHIBIT Q TOTAL (Also enter on line 5, Recapitulation) ~ $ 75,022.72 (If more space is needed, insert additional sheets of the same size) SCHEDULE H COMMONV`IEaLTH O~ PENNS'fL'JANIA FUNERAL EXPENSES & INHERITANCE TaX RE ~ URN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER DORIS J. WHITCON1B 21 10 015 Debts of decedent must be reported on Schedule I. -~ ~aL'!~ISER ~ESCRIP ~ ICN AMOUNT =,. FUNERAL EXPENSES: ". SERVICE: HETRICK -BITNER FUNERAL HOME, INC. 2,713.00 2. MEMORIAL SERVICE: CHURCH AND INVITATIONS 1,364.85 3. RECEPTION 1,265.69 B ADMINISTRATIVE COSTS: Personal Representative's Commissions Name of Personal Representative (s) Street Address __ 2 3 City State Zip Year(s) Commission Paid: Attorney Fees Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Claimant Street Address 4. 5. 6. 7. 8. 9. 10 11 12 City State Zip Relationship of Claimant to Decedent Probate Fees CUMBERLAND COUNTY REGISTER OF WILLS Accountant's Fees Tax Return Preparer's Fees ESTATE ADVERTISING EXPENSES OF 102 3RD STREET ITEMIZATION ATTACHED AS EXHIBIT R EXPENSES OF 1 HIGH STREET ITEMIZATION ATTACHED AS EXHIBIT S EXPENSES OF MOTTER LANE ITEMIZATION ATTACHED AS EXHIBIT T LAWRENCE CHEVROLET -CAR REPAIRS COMMONWEALTH OF PENNSYLVANIA -CAR REGISTRATION 13,000.00 611.50 250.00 274.25 6,673.97 3,138.89 923.23 500.00 36.00 TOTAL (Also enter on line 9, Recapitulation) I $ (If more space is needed, insert additional sheets of the same size) 30,751.38 REV-10'2 EX * (12-03, COMMCNWEA~T;~I CF PENNSYLVANIA INHER.iTANCE TAX RETURN RESIDENT DECEDENT SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS ESTA i E OF FILE NUM6ER DCRIS J. WHITCO~~1B 21 10 0715 Report debts incurred by the decedent prior to death which remained unpaid as of the date of death. including unreimbursed medical expenses. ~T=~''~ '/AL;,'E A~ DATE ~n ~ ~~1, ~_=~ CS~CR~PTiCN CF DE.=?T '. PNC HOME EQUITY LINE OF CREDIT ACCOUNT #4003048110758100 ATTACHEC AS 21,935.70 EXHIBIT H 2. FRANKLIN CITY CREDIT UNION CREDIT CARD #83350-70 ATTACHED AS EXHIBIT I 1,283.73 3. ~VERIZON WIRELESS -FINAL PHONE BILL 4. (HARRISBURG PHARMACY -FINAL MEDICAL EXPENSES TOTAL (Also enter on line 10, Recapitulation) ,~ $ (If more space is needed, insert additional sheets of the same size) ~ 12.97 7.00 23,239.40 SCHEDULE J COMMONWEALTH OF PENNSYL`/ANIA BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER C~CRiS J. WHITCOMB 21 10 0715 RELATIONSHIP TO DECEDENT A'V10UNT CR SHARE _AT~ ^iuMEER NAME .AND ADDRESS CF PERSON(S) RECi=1V!NG °ROPERTY Do Not List Trustee(s) OF ES ~ '~ j TAXABLE DISTRIcI,~T'ONS ~irclude outr~gnt spousal distriburcrs, and trars~ers u^~cer Sec. 911 ~ !a) t1 ~2)1 1. LENNIE WHITCOMB Lineal 192,483.33 2345 NORTH SECOND STREET HARRISBURG PA 17110 2. SCOTT WHITCOMB Lineal 192,483.33 39 TEABERRY DRIVE CARLISLE PA 17013 3. LANA WHITCOMB Lineal 192,483.34 102 THIRD STREET BOILING SPRINGS PA 17007 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, AS APPROPRIATE, ON IREV-1500 COVER SHEET II. NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAXIS NOT BEING MADE 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET I :$ (If more space is needed, insert additional sheets of the same size) REV-1500 Discount, Interest and Penalty Worksheet Discount Calculation Tc:ai amount Paid within t'r~ee calendar months of the decedent's date of death Discount: -_____ __ 1 299.25 interest Table Year I Days Delinquent Balance Due ~ Interest this time period I this year this period '~ - - Before 1981 1982 14R'~ ~ 1984 ' --_ -~-- - 1985 _ j 1986 ~~ ___ ~ 1987 __ ~ 1988 throw h 1991 _ - ~, _~ ~ ~ F 1992 __ - - -~ ~ 1993 through 1994 I __ j 1995 through 1998 ___ 1999 ~__ ~ _2000 I _ +-- 2001 ---- ~ I __ ~ ~ -_~ - -- 2002 ~ ~ ---- --- 2003 - ~--- i - 2004 ~ -- 2005 _ ~ 2006 ~ 2007 2008 __ ___ ! '~ __ -- 2009 ~- --- __ -- ~- --- -- I f - - ~ TOTALS L ~ - Penalty Calculation If the decedent's date of death was on or before March 31, 1993, insert the applicable amount: Total Balance Due on January 17, 1996: Penalty: 2~~27~.GG ~I'e iV'J. ~LUVJ~u _• JENIC2S File # 1200510 RESIDENTIAL SUMMARY APPRAoSAL REPORT 1 coMPARAB~E SALE # 3 FEATURE SUBJECT COMPARABLE SALE # 1 1.123 Forge Road 119 High Street 1500 Forge Road Address 102 Third Street Boiling Springs, Pa. 17007Boiling Springs, Pa_17007 0 M Boiling Springs, Pa 17007 IBoiUng Springs, Pa 17007 59 _ ____ 0.29 MI 1 09 MI _ ' „-- ` " $ 212,000 1 ~ _T $138,000 Proximity to Subject ~ . R~ ~ v ~ $ N/A °~ $169, 900 < ~ ~~ , Sale Price ~' .;;hYS °, $141 62 sq tt '. r <, $94.78 sq ft s ft $90.18 ~ sq. ft.. , 'CPML &CCCH Sale Price/Gross Llv. Area $ N/A q, CPML &CCCH 'CPML &CCCH --- Data Source(s) f ~; ~,~. Drive-by Ext. Inspection (Drive-by Ext. Inspection Verification Source(s) ~ ,., _. Drive-by Ext. Inspectron TMENTS ,~c ~ ~T ~~'~~ 1 DESCRIPTION '~ ~-(-) ~ Adjustment i DESCRIPTION~~-(-) ~ Adjustment ~FHADESCRIPTION ' +(-) 3. Adjustment VALUE ADJUS .--r ,Conventional Sale or Financing ~ ~~~4 _ N/A SIN/A ' IN/A =__ - Concessions ~ ',08/18/2009 j05/OS/2009 Date of Sale/Time ~ r ~ w~~-~>~ X05/20/2010 ~ '.Average _!__ 'Average '.Average _ Location '.Average Fee Simple 'Fee Simple _ !,____ Leasehold/Fee Simple !Fee Simple (Fee Simple -1640010.15 acre (m/L)___ N/A ;0.22 acre (m/L) N/A'10.57 acre (m/L) Site ;0.16 acre (m/L) (Residential/Comm_- -- ;Residential iResidential/Comm. View Residential ,Cape Cod 2 Story ; 'Traditional 2 Story -_ Design (Style) 'Traditional 2 1/2 Story'Traditional 2 Story gverage to Period Builf~ ',Average to Period Built Avers a to Period Built,Average to Period Builf, R"3 vrs. (m/L) uality_ of Construction g 100+ yrs. (m/L) .100+ yrs. (m/L) ' X73 yrs. (m/L) _ \ctual__. Age _ , (Average ~ -100001.Very Good T' )ondition Fair Baths I Total i Bdrms., Baths ~ Total Bdrms., Baths 4bove G ar de ~ Total I Bdrms. 8 3 ~' 1.50 ' 7 3 1.50 I Room Count ' 7 3 1.50 ~ 1884 sq. ft. ', I 1728 sq. ft. i -39001 1497 sq. ft. Gross Living Area Basement & Finished Full Concrete (Partial Concrete ~ 500iFull Concrete ~ iNone Known -r--- ,Rooms Below Grade ',None Known iNone ' Average - Functional Utility ,Average Average tral AirIHW Radiators/ C. Air C -2800!HW Radiators/No C. A~ Heating/Cooling en ,HWBBJNo 'None Known Energy Efficient Items !None observed None Known New 2 Car Det. _ -g000~ Garage/CafpOft (None '4 Car Det. Full Prch/Prch/Patio i , _500iWrap Prch/Enc.Prch/Patio~i ~ Porch/Patio/Deck o (Porch/Porch/Pat _ 3500'~,Brick Exterior Finish Brick (Vinyl ~ (1) Fireplace ~ -~ None Known Fireplaces,etc. 1 Fireplace IO Story Traditional 2 56600~Traditional 2 Story - Additional Dwelling Traditional 2 Story r- -- _ $ a ~ + ~ _ $ 35400' '~ + ',_:_,_ ' ° Net Adjustment (Total) . Adjusted Sale Price ,. ~° ~ ~ ~~ Net Adj. 20.84%'1 , ,~ 50%' $ 0 Ad ~ 'Net Adj. 3.05 205300', Gross Adj. 58.15°$ of Comparables , j. 5 . ~ Gross • and comparable sales. If not. explain t • . ~, ~~,~ r-, riirl not l y or transfer history of the subject proper research the sale -30000'Fair to Average _~_ -5000 I Total ' Bdrms ' Baths i 7 3 ' 1.50 5775• 1456 sq_ft. ~ 680( (Full Concrete ~.- iNone Known -_-y_____- 9 -- ',FHA/No Central Air 'None Known -~- -12000i,None Known ____ N/A'iWrap Prch/Enc.Prch 100 Aluminum 35C 2500None Known ___~ 25C 56600;Traditional2:5tory 566( 6475' ~! + ___ ~ $ 654( - Net Adj. 47.39%~ 218475'Gross Adj. 54.64%'~$ ,.<,ti,..., ,,,~,,,~i -- 20341 Vly research J did R did not reveal any prior sales or transfers of the subject property for the three years pnor to uic G~~~~~~~~ ~~~~ ~~ ~"~~ °r%==-_ Data Source(s) CCCH Assessment Records _-___ My research 'u did ~ did not reveal any prior sales or transfers of the comparables sales for the year prior to the date of sale of the comparable sale.-- Data Source(s) CCCH Assessment Records -_ Report the results of the research and analysis of the prior sale or transfer history ARABLE SALEp# perty and c COMPARABLESSALEo# 2 ditionai prCOMPARABLE SALE # 3 ITEM SUBJECT C~M~ X07/27,/1957_ 10/ 13/1988 j03/09/2006 Date of Prior Sale/Transfer !04/30/1958 62,500.00 ($1.00 $59,000.00_ Price of Prior Sale/Transfer ' $11,000.00 'CCCH Assessment Records CCCH Assessment Records (CCCH Assessment Records Data Source(sl i Deed 12/22/2010 12/22/2010 12/22/2010 --- Effective Date of Data Source(s) ,12/08/2010 _______ Analysis of prior sale or transfer history of the subject property and comparable ~ ed ~ bees ip on the dates abovee andshaveorotabeenitreisold since then t tt e bey best of the appraiser's knowledge. Subject and comparables last transfe -_ -- the appraiser's knowledge. _-___ roach A raiser searched CCCH sales records as well as multi-list for the best comparables to the subject of the a_-_-__ nalYsis• - 5ummary of Sales Comparison App PP ____ comparable properties used in this analysis are in my opinion the very best available at the present, and all having been sales within the most recent mon of comparable dwellings within the immediate area of the subject. Alto omlaensate porod fferen es in the omparabkes where necessary.) Due to0nteriorn nature, age, style, size and condition. Adjustments have been made P - -- condition of the subject, a modest figure of $25 p/ sq. f`. was used to calculate above ground finished living area in excess of 100 >q. R. $40,000 p/acre fraction thereof) was used to calculate difference in situs for #2_ Condition of each°nev, carvetinigaand overall co average coondpior Comp #2twas sale new roof in '99, fairly new central air, new/updated wrong, replacement windows a_ ___ d ____ Pe -_-- be in "excellent move-in condition" with new and updated wiringnew 2 wcarpdeta hed garageW comp #3dwals said go bessomaewha cda ed? b oUaverage 9s original woodwork and baseboards in excellent condition., and a _-____-__---- _ _- condition and had new carpeting on the first floor. No adjustment was made for date of sale on #2 or #3 since there has been no up or down___~a!~? char for the area in the past year --. Location for each is consdered "average'' a case eng''edgeeoftown6"opropertylnDates of sale In thedgr d seetiontarepromi of the potential b r uu e cove coy Id be fora to ni own" property, or in the oppos t -----" - County Records not MLS. Adjustrnent percentages are much higher than normally seen on both sales compahson pages due te_tn~e nature of the proper) general. - - - _- -- indicated Value by Sates Comparison Approach below reflects total value of both dwellings, land, etc. _ Indicated Value on Sales Comparison Page for 102 Third Stree*. Rear (Included in report) is carried over in bottom grid above and described in full on additional Residential Summary Appraisal Report (2 Pages). - dicated Value oy Sales Comparison Approach $ 210,000.00 ------ (i ~~~~ Form produced by UnlteC Systems SotM'are Company (800; 969-8727 www unitedsystems com F-U o~r~, .,F.. _ Property Address: 102 Third Street Boiling Springs, Pa 17007 Prepared For: Estate of Doris J. Whitcomb 102 Third Street Boiling Springs, Pa. 17007 Prepared As Of: December 8, 2010 Prepared By: G. Arthur Calaman, Pa. Cert.# RL-139418 B-H Agency Appraisal Services 163 N. Hanover Street Carlisle, Pa. 17013 The purpose of this Appraisal is to Establish "Market Value" ONLY: NOT to be used for Mortgage Financing Appraised Value for the Subject Property: $210,000.00 Foam produced by Unltetl Systems Software Oompany (800; 9E9-8727 www uni(eosyslems com ~_r Pgency Appraisa Services File No 1200510 B-H Agency Appraisal Services 163 N. Hanover Street Carlisle, Pa. 17013 (717) 243-1000 Ext. 216 Date :December 30, 2010 Client :Estate of Doris J. Whitcomb Scott S. Whitcomb, Executor In accordance with your request, I have inspected, as per your instructions, and appraised the subject property located at 102 and 102 Rear Third Street, Boiling Springs, Cumberland County, Pa. (Parcel #40-29-2482-228 and 40-29-2482-228. /02;1 As per your instructions, the purpose of this appraisal was to determine "Market Value" in unencumbered fee simple title of ownership, and was done in compliance with and as defined by "USPAP" and the Appraisal Standards Board. This report in it's entirety is intended and valid only for the intended use of the Client named in this report, and is invalid if photocopied or electronically transmitted, whether in part or in whole by anyone other than the Client or the State Certified Real Estate Appraiser(s) named in this report. It is intended solely for the Client, other possible Intended Users to be determined by the Client, and shall not be used by anyone other than the Client without the prior written consent of the Client, and the State Certified Real Estate Appraiser(s) conducting the appraisal process. Note :This is a Summary Appraisal Report, and contains 22 pages (plus attachments or addenda as necessary), and any single page is invalid if detached or used separately from the entire report as originally submitted. This report was conducted and prepared with the utmost care and confidentiality, and was established with no pre-determined opinion of value on the part of the appraiser(s). Thank you for choosing B-H Ager~y Appraisal Services y; II~ A V ~~' Art Calaman Pa. Certified Residential Appraiser Form produced by United Systemstems Sots was ~ompa~~y (800) 969-B'27 www unitedsys~ems.com e-N, ~n~y-'~pc~r~ls~~~Pr•. r-nP Nt~ i~nnsin NOT TO BE USED FOR MORTGAGE FINANCING PURPOSES QGCIflG~IT1A1 CIIIIAl111ADV ADDDAI~AI DeDADr ___ _ ____ ' x fi °roperty Address 102 Third Street City Boiling Springs State Pa Zip Code 17007 __ Borrower (if appl'cab e) N/A Owner of Public Record Robert K. & Doris J. Whitcomb County Cumberland __ Legal Desaip6oo See Attached Deed Copy from DB 18-J PGs 564/565 -- Assesscrs Parcel #_ 40-29-2482-228 Tax Year 2010 R.E. Taxes $ 4,093.00 (m/L) Ne~~ghborhood Name V_ illage of Boiling Springs Map Reference (40) 29-2482-228 Tax Map Census Tract 0125 ___ _ Occupant X Owner _~, Tenant ;_ Vacant Special Assessments $ None Known _ P UD HOA $ N/A ;per year per month _ _ _ Property Rights_Appraised ~_ Fee Simple ''` Leasehold I~I Other (describe) -- Assignment Type__ Purchase Transaction ^I, Refinance Transaction ~ Other (describe) To Establish Value for Estate Purposes Is the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? ' Yes X No _ ___ Report data source(sj_used. offering price(s); and date(s). Owner/CPML CPML shows no record of for sale, listing, or otherwise in the past 12 months for the subject address - _---- The purpose of this appraisal is to develop an opinion of 'X' Market Value (as defined); or Other (describe} This report reflects the following value (if not Current. see comments) ~ Current (the Inspection Date is the Effective Date) '~ Retrospective ~ Prospective Approaches developed for this appraisal ~ Sales Comparison Approach !_ Cost Approach _~, Income Approach (See Reconciliation Comments and Scooe of Work) Intended Use To establish most probable "Market Value" as defined by USPAP (contained within this report) Intended User(s) (by name or type) Estate of Doris J. Whitcomb and possible other Intended Users as to be determined by the Client - Client Name Estate of Doris J. Whitcomb Client Address 102 Third Street, Boiling Springs, Pa. 17007 Client Contact Scott_Whitcomb, Exec. Client Email N/A A praiser Name G. Arthur Calaman, Pa. Cert.# RL-139418 A raiser Address B-H Agency Appraisal Services 163 N. Hanover St. Carlisle, Pa. 17013 Note: Race and the racial composition of the neighborhood are not appraisal factors. Location X~, Urban _-', Suburban Rural Pro ert Values Increasin ~ ~~ ° ^ P Y g X Stable ^~ Declining PRICE AGE One-Unit 95 ~ _ Built-up '~~; Over 75% ^ 25-75% Under 25%' Demand/Supply X Shortage In Balance ^ Over Supply i $ (000) (yrs) 2-4 IJNt 2 % ~ ___ _ Growth _~ Rapid _ ~ Stable Slow Marketing Time Under 3 mths ~ 3-6 mths ', 'Over 6 mths'~ 65k Low 5 'Multi-Family 1 - Neighborhood Boundaries Subject is situated within the village of Boiling Springs, and is bounded to the north ' 200k High 100+ Com ercial i m - by First Street; to the east by Children's Lake; to the south by Race Street; to the west by High Street. 150-170 Pred. 60+ Othei 1 ___ Neighborhood Description Subject is situated in a residential neighborhood of mixed style single family and duplex properties, and two multi family apartment bldgs. Major roadways, employment, shopping, and schools are within reasonable driving distance. Utilities as well as fire and state police protection are present and adequate for the area. ------ Market Conditions (including support for the above conclusions) Employment, mtg rates,& inventories have remained fairly stable in the area, and although interest rates are fluctuating and activity is slow, the market has been slow, but stable. Appreciation has had no increase over the past year, but I haven't _ _ seen much of a decline in values as in other parts of the nation. Marketing time for similar properties would be 90 days or less, but could be up to 180 days. Dimensions 28.0 F x 146.0 L x 71.0 B x 140.0 R Area 6,985.17 SgFt Shape Irregular View Residential Specific Zoning Classification Village Zoning Description Residential Zoning Compliance _~(: Legal ~_ Legal Nonconforming (Grandfathered Use) ~ No Zoning _ Illegal (describe) Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? X' Yes No If No. desrrine Utilities Public Other (describe) Public Other (describe) ___ Off-site Improvements - Type ____ Public_ Private Electricity _~__ f Water X ___ Street Paved ~ !- Gas _ `~; Propane possible Sanitary Sewer X _ Alley Gravel/Stone X FEMA Special Flood Hazard Area? _ Yes ~_ No FEMA Flood Zone X FEMA Map # 42041C 0244E FEMA Map Date 0 3 /16 /2 009 _ __ _ _ _ Are the utilities and off-site improvements typical far the market area? 'X Yes ~ No If No. describe Are there any adverse site conditions or external factors (easements. encroachments. environmental conditions. land uses. etc.)? Yes ~ No If Yes. describe None Known, but Also see Text Addendum Page..... ------- Units _' One ~' One with Accessory Unit' ~ Concrete Slab ~ Crawl Space Foundation Walls Stone: Average Floors Carpet/Wood: Poor # of Stories 2 1/2 X, Full Basement ! Partial Basement Exterior Walls Brick/Wood: Average 'Walls Plaster: Fair_to Average Type ~ Det. ^! Att _ S-Det./End Unit Basement Area 700 (m/L) sq ft. Roof Surface Metal: Average Trim/Finish Wood: Average Existing ~ Proposed _ Under Const. ;Basement Finished 0 % Gutters & Downspouts Aluminum: Average Bath Floor Pergo: G o od ~ _ _ Design (Style) Traditional ' Outside Entry/Exit Sump Pump Window Type Dbl Hung Bath Wainscot N/A I Year Built 1900 (m/L) Evidence of Infestation Storm Sash/Insulated Triple Trac Effective Age (Yrs} 40+ yrs (m/L) Dampness .Settlement Screens Yes Car Slorage )( None Driveway # of Cars Attic ___ ___ None ' ~teating _ FWA ~ HWBB ~ Radiant Amenities WoodStove(s) # 0 Driveway Surface ~ Drop Stair 'X,Stairs i Other EIec.BB Fue! Oil ~ !- ------ - _ __ X _ _ X, Fireolace(s) # 1 ~ Fence Split Rail _ Garage # of Car.: door _ Scuttle___ Cooling ^ Central Air Conditioning ~ Patio;'Deck. Patio X porch Front Covered .Carport # of Cars __ . Wished ~ieated __ indivicua! _~ Over °oc' N/A X Other Rear Covered l.Att Del Bail:-in _ Acp antes )( Refr~gA a.;r '~ Ranot'Ove _ D~shwas~e D~~spesa. IVicrowave _ WashevDrve~ tither ldescr!bel _ ~~snec area a ove „ o __ co pairs 'Rooms 3 Bedroo~~s 1.50 r3a ~~~;s~ 1728 Sq, are Fees of Gloss _ivinc ~4rea Aoove Graoe ~~ona! ita rep .s a installed w~thm she pas*. ~ e o` ef` c e I 'F~^,s arc.) Roo° has beer ^ecently sealed and painted. Pergo floorng in Kitchen, dining room,_both bathrooms w_a_s -- - year (miL~ Split Rail Fence was instal~ed end of summer 2010 escribe tre o^ct!c ,,` the orcoe~ty ii^ iuo~nq needec repa~~s Bete. c anon renova~~o~s rer oN ing. eta ; See Text Addendum Page.... Are there any ohti , ca e` e~ ie~ er a~~e s co oit~c~,s ina`, affect'ne vae' 'ry so~~nones~ =- r „ ,;, a ~ e r;y o~ t`~e prooe~ty'' Yes X Nc ~ Yes. describe-- - None observed..aiso see text addendum page -- - - ------- Does the property ge F a~ y conform to he neighborhood (tunctiona' utility- style. cond~t~en use ~o~:structlon. etc!? ~~~ 'Vo ii'~o. aescrloe -• -u;i~i uiuuuceu uy unnea aysrems aonware ~cmpany ;tSUUi L'by-~~ 2r www_un~tedsys(ems c:om: iRev 06'u81 5_t- P~ency;,opra~sa~ ServicE~s File No 1200510 __ _ __ _ RESIDENTIAL SUMMARY APPRAISAL REPORT Filed 12005tH ~^ ~ ~~ ~~ ~ ~~o~~~ ~ uuivirHnHri~t bALt # ~ COMPARABLE SALE # 2 COMPARABLE S ALF: # 3 __ _ Address 102 Third Street 19 High Street 500 Forge Road 123 Forge Road Boiling Springs, Pa 17007 Boiling Springs, Pa. 17007 ,Boiling Springs, Pa. 17007_ ,Boiling Springs, P_a._i_7_007 Proximity to Subject " 0.29 MI 1.09 MI '~~0.59 MI Sale Price $ N/A $169,900 ~-,~,,~,~;;:~ ~ $ 212,000 or`~ ~ ` ; ~ $138,000 ----- Sale Price/Gross Liv area ~ $ N/A sq. ft. $ 90.18 sq. ft.: ~"~~ $141.62 sq ft. ~ ~ ~' ~.~~.: $94.78 sq. ft. - ~w~ `°~- Data Source(s)__ CPML &CCCH CPML &CCCH CPML &CCCH Verification Source(s) Drive-by Ext. Inspection Drive-by Ext. Inspection .Drive-by Ext. Inspection VALUE ADJUSTMENTS ~ DESCRIPTION DESCRIPTION I -(-) $ Adjustment', DESCRIPTION -(-) $ Adjustment DESCRIPTION__^ -(-) $ Adjustment Sale or Financing `FHA ~~ Conventional FHA Concessions _ N/A N/A N/A _ _' Date of Saleffime 05/20/2010 08/18/2009 ~ X05/05/2009 . __ Location 'Average Average Average I .Average Leasehold/Fee Simple Fee Simple Fee Simple Fee Simple Fee Simple Site -_ 0.16 acre (m/L) 0.22 acre (m/L) N/A 0.57 acre (m/L) '~ -16400'0.15 acre (m/L) __ N/A View __ Residential ;Residential Residential/Comm. ___ ;Residential/Comm. Design (Style) 'Traditional 2 1/2 Story7raditional 2 Story Cape Cod 2 Story (Traditional 2 Story Quality Of Construction 'Average to Period BuiltAverage to Period Built' Average to Period Built ;Average to Period Built Actua! Age __ 100+ yrs. (m/L) 100+ yrs. (m/L) 73 yrs. (m/L) '83 yrs. (m/L) - Condition Fair Average -10000 Very Good I -30000 Fair to Average ___ -5000 Above Grade Total i Bdrms. Baths ~ Total' Bdrms. Baths Total Bdrms. Baths Total Bdrms.' Bath: ___ Room Count ' 7 3 1.50 8 3 1.50 ~ 7 3 1.50 7 3 1.50 ___ Gross Living Area __ 1728 sq. ft ' 1884 sq. ft. ' -3900' 1497 sq ft. ! 5775, 1456 sq ff __ 6800 Basement & Finished !Full Concrete 'Partial Concrete 500'Full Concrete Full Concrete - Rooms Below Grade _ '.None 'None Known None Known '.None Known _ '__ Functional Utility ,Average 'Average ;Average ~ Average Heating/Cooling _ HWBB/No Central Air!HW Radiators/ C. Air -2800!Hw Radiators/No C. Air (FHA/No Central Air _ Energy Efficient Items :None observed 'None Known None Known None Known Garage/Carport _ None 4 Car Det. -8000'New 2 Car Det. -12000'None Known ~ - - Porctt/Patio/Deck Porch/Porch/Patio Full Prch/Prch/Patio I -500 wrap Prcn~Enc.Prcn/Patio N/A Wrap Prch/Enc.Prch '~ 1000 Exterior Finish -- 'Brick 'Vinyl 3500,Brick -- ---~-- Aluminum ___ __ 3500 Fire~aces,etc. ;(1) Fireplace (1) Fireplace None Known ! 2500 None Known _ __ ' __ 2500 Additional Dwelling ;Traditional 2 Story Traditional 2 Story 56600 Traditional 2 Story __ 56600 Traditional 2 Story_T____56600 Net Adjustment (Total) ~ + ~' - '$ 35400 ~ + _~' - $ 6475 ~ + ~ - '$__65400 = Adjusted Sale Price ~ Net Adj. 20.84% Net Adj. 3.05% Net Adj. 47.39°6 ~:.,,; of comparables ~ 'Gross Adj. 50.50°~ $ 205300 Gross Adj. 58.15%;$ 218475, Gross Adj. 54.64°6 $ 203400 I X did _ did not research the sale or transfer history of the subject property and comparable sales. If not. explain _ My research - did ~ did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal. Data Source(s) CCCH Assessment Records --- --------- _ My research _, did x did not reveal any prior sales or transfers of the comparables sales for the year prior to the date of sale of the comparable sale. Data Source(s) CCCH Assessment Records ----- --------- Report the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3). ITEM _ SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARA_E3LE_S_ALE # 3 Date of Prior Sale/Transfer X04/30/1958 ,10/13/1988 03/09/2006 _ 107/27/1987 Price of Prior Sale/Transfer j $11,000.00 '$62,500.00 $1.00 _ j$59,000.00 Data Source(s) ', Deed CCCH Assessment Records ~000H Assessment Records jCCCH Assessment_R_ecords Effective Date of Data Source(s) ' 12/08/2010 12/22/2010 ;12/22/2010 .'12/22/2010 _ Analysis of prior sale or transfer history of the subject property and comparable sales Subject is not, and has not been listed for sale within the last 12 months to the best of the appraiser's knowledge. Subject and comparables last transferred ownership on the dates above,. and have not been resold since then to the best of the appraiser's knowledge. ----- Summary of Sales Comparison Approach Appraiser searched CCCH sales records as well as multi-list for the best comparables to the subject of the analysis. The comparable properties used in this analysis are in my opinion the very best available at the present, and all having been sales within the most recent months of comparable dwellings within the immediate area of the subject. All are relative in proximity, within the same market area, and as similar as possible in nature, age, style, size and condition. Adjustments have been made to compensate for differences in the comparables where necessary. Due to interior condition of the subje~ , a modest figure of 525 p/ sq. ft. was used to calculate above ground finished living area in excess of 100 sq. ft. $40,00() p/acre (or fraction thereof)_ was used to calculate difference in situs for #2. Condition of each comp was verified by Realtor comments. Comp #1 was said to have had a new roof in '99, fairly new central air, new/updated wiring, replacement windows and new carpeting, and overall in average condition; Comp ~2 was said to be m "excellent mov = in condition" with new and updated wiring, all n_ew replacement windows, updated plumbing, fresh paint and some floor c_avenng_s, al~ onginai woodwork and baseboards in_excellent condition, and a new 2+ car detached garage; comp #3 wa_s said to be somewhat dated, but ave age _ -j condition and had new carpeting on the frst floor. No adjustment was made for date of sale on ;~2 or #3 since there has been no up or down value change --- -- ------ - ------ -- ------------ or t area in the past year ~. Location for each is considered 'average" each beinc in the same Boiling Springs area and school district, and th e preference _ of thry tentia bu e could be for an ----- n town property or m he opposite case an "edge of town ' property Dates of safe ~r - - --- y the rid ti p 9 9 ~ - . . - - _ _ g sec on are from Coun~ Records not MLS. Adjustment ercenta e~ are m~~f^ hi h„r than nor^ial seen on bot: sales com anso : a es aue tc the nature of the property in I ? --- p-9 -_~ general. ------------ ------------- -------- ndicated Value by Sales Comparison, Approach below reflects total value of both dwellings land etc , , . Indicated Value on Sales Comparison Page for 102 Third Street Rear (Included in report) is c__arneG over in bottom grid above and described ir, full on additional Residential-Summary Appraisal Report (2 Pages). ---------- ---- --- ind,cateo Value by Sales Comparison ADproach S 210,000.00 ----- - ----- ~ ~~~~ _ - - r~~~~v~~ ~r ~ ~~~~.,r~, ~„-~~,_rva~~ ~.,u~n~eny t°ua yoy-crtr wv~w-unitedsys(arns-caT~ (Rev 05'08) nt~iutn ~ ~A~ suMMART APPRAISAL R sated Value by: Sales Comparison Approach $ 210,000.00 Cost Approach (if developed) $ N/A Reconcl!!atior-See "Final Reconciliation" on Text Addendum page... 1 File # _ 1200510 Income Approach (if developed) $ N/A - This appraisal is made ~ "as is", r,, 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 alteratioes have been completed, or _` subject to the following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair, See Text Addendum page... - ---_-___ _I This report is also subject to other Hypothetical Conditions and/or Extraordinary Assumptions as specified in the attached addenda. Based on the degree of inspection of the subject property, defined Scope 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 $ 210,000.00 December 8, 2010 , as of ,which is the effective date of this appraisal. ----- If indicated above, this Opinion of Value is subject to Hypothetical Conditions and/or Extraordinary Assumptions included in this report. See attached addenda. A true and complete copy of this report contains 25 total pages, including the attached exhibits (indicated below) which are considered an integral part of the report. This appraisal report may not be properly understood without reference to the information contained in the complete report. ~' Scope of Work `R! Additional Sales Addenda ~ Deed/Legal Description ~ Hypothetical Conaitions ~, Narrative Addenda X Summary Residential Appraisal Report (2 Pages) for each property _ ~ Extraordinary Assumptions ~ Photograph Addenda - - _ IX Limiting Conditions/Certifications ~ Map Addenda _- -- ------- Cost Addenda ~ Sketch Addenda - ---------- Income Addenda -Flood Addenda i -- - -------- Provide adequate information for the client to replicate the below cost figures and calculations. Support for the opinion-of site value (summary of comparable land sales or other methods for estimating site value) N/A -~ -- ESTIMATED ' i REPRODUCTION OR i REPLACEMENT COST NEW I OPINION OF SITE VALUE, , -------- `- _ ~ - Source of cost data N/A -= _-___^ g! __-_ N/A ___ Dwelling Sq. Ft. @ $ Quai11V (atlnn fr(1f11 f`n c! CPI1/IrP F{{°~+~„~ a.,+„ ,.t ..,..,~ a^._ -- g~ - Comments on Cost Approach (gross living area calculations, depreciation, etc.) -- -- ----- _ Due to the age of th_e subject improvements, the Cost Approach to value was .Garage/Carport Sq @ $ $ Ft . . not used. The Cost Approach is only considered for dwellings of "New Total Estimate of Cost-New ~-- Construction" or for an actual physical age of less than five years. It is the I Less Ph sisal ~ - $___ N/A y iFunctional 'External opinion of this appraiser that the "Cost Approach" to value is inadequate and Depreciation - - ~ ~ not appropriate in an analysis of a dwelling & improvements of the actual Depreciated Cost of Improvements --- ) -- __$ physical age of this subject, and would not yield an accurate representation "As-is" Value of Site improvements ----- _ _ .. _ $_ of Market Value. It was therefore not considered. _ --- - Estimating Remaining Economic Life -=- = S N/A Years ,Indicated Value by Cost Approach ----- = S N/A Estimated Monthly Market Rent $ N/A X Gross Rent Multiplier N e /A __ $ N/A Indicated Value by Income Approach _ Summary of Income Approach (including support far market rent nd GRM " a ) See Final Reconciliation" on Text Addendum Page.. . - ~~ a. ~ ~~ ~ ~ .-. ~ -_ - . x ~, .v a ~, np ,' ~ i ' s ,re ve~o e c ~e con~ro a t ~e Honeo;n~ ~e s A soc a o (~iGA ~ 1 °` ~ I ry = 1 yr ol s. )etach F , F _~~ P _ eo A tacrea Prop c e o low ~, ~ ~ , ~ ~ UGH t __ _ - ---- - ~ n I ` a' ,,. 0 DS '~NL, E C.,VeIODer/CUr;~Br IS „ Contrp t and t bl ~ - - G JIJ - - , , ., ,,,..,r + a auachee dweliinc ~ni; _- e F ga ~ar,e o ---- -- --- -- -._ _ -- nos entire sectior i N/A ro the subtec; property. -- ---- -- _ _-_ -__ Tcta r rn e c a ases i„ta~ :~arbe~ o` ur's -------- - - -- Tota; number o urrts sold - c~a numoe~ ` ~nr,~ en~ec ---- ~o~a' r;,~ be• o` un'ts for sage Data sourcels` ---- -- - ------ ------ a e ~ c- ~°o e ~ °._ - ~ conve slo -- --= r c Pxisti~u b ro!r~o s~ ^tc a °JD% ves Nc ! ~°s da.P o, ~owF s o^ - ---- ---- ---- -- . -- „w~ p':;i ~~ ,a a`la ~, " °,'~ 'iC '~i,C? YeS NO Jaya s0~ ,.erS - -- - -- ----- -------~ - ---- - - arP F ~ .as ~ ~,`~, ~ °-~e^;, z ~c re~~ea~ cra' fa _ - -- - ---- ----- -_ - ------- -- - - ~ yes cor~aie?e ves rde I~ r c. des ~b~ t~F s.a~es c~ ~o~npiet~on - ---- - ---- - - -- - - Are the or~r~or e eme ° P H ~ - - - - -- --- -- --- -- ,,as-c to o~ bj ~7e omPowners ?,sso~lat~o ~ 1'e~ Nc - 7~~ desc ioP +,~ ~ ^~ -- --- -- -- - ~ ~ e e ~a terms anc options --- -- - - - --- - - - -- -- ---------------- ------ ----- - -- --- Descr~be cc~,mon e'e~~~P ~ ~r ~ , r, - - ----------- ------------------------- - a ~~ rec eaiiona tac il,,es ---- ---- ~ - _ - ----- -..._...,,.,.,,.,~,,...~,..~,.,.., ~ ~~i ~v,~~!aua-o,ci 1M1'wV.J'llte 545(efPs.COrP~ ' ffi2v OE'CE) 3-HF~enry C,p~~a~~,l co,,;~-~~ rua ~i~ i~nns~n RESIDENTIAL SUMMARY APPRAISA_L__REPORT File # Izoosio SCOPE OF WORK The Scope of Work s the type and extent of research and analyses performed in an appraisal assignment that is required to produce credible assignment results, given the nature of the appraisal problem, the specific requirements of the intended user(s) and the intended use of the appraisal report. Reliance upon this report. regardless of how acquired, by any party or for any use, other than those specified in this report by the Appraiser. is prohibited. The Opinion of Value that is the conclusion of this report is credible only within the context of the Scope of Work, Effective Date, the Date of Report, the Intended User(s), the Intended Use. the stated Assumptions and Limiting Conditions, any Hypothetical Conditions and/or Extraordinary Assumptions, and the Type of Value, as defined herein. The appraiser, appraisal firm, and related parties assume no obligation, liability. or accountability, and will not be responsible for any unauthorized use of this report or its conclusions. Additional Comments (Scope of Work, Extraordinary Assumptions, Hypothetical Conditions, etc.): A physical inspection of the subject property was made and although due diligence was exercised, the appraiser is not an expert or certified in such matters as pest infestation and control, structural engineering, roofing and other mechanicals of the property. No responsibility shall be assumed by t:he appraiser for defects and conditions not disclosed or readily apparent in the course of a normal appraisal inspection. Appraiser is not qualified as a builder or contractor, building inspector, or whole house inspector, or home inspection specialist, and has done a limited visual inspection of the property looking for obvious conditions, and for the purpose of determining an opinion of value; no inspection of any crawl space (if present), or into hidden or concealecl areas was made. The appraiser does not test appliances, plumbing, heating /air conditioning or electrical system. The appraiser does a limited visual inspection of the roofing from the ground, and is not qualified to ascertain condition of same. The purpose of an appraisal inspection is to ascertain location, size of improvements, physical characteristics and general conditions of the property. Also see text addendum page for conditions of appraisal. Seller concessions are relatively common in this marketplace, normally in the form of Buyer closing costs assistance. It has become more anti more common to see closing cost assistance on an agreement of sale, but usually not exceeding the allowable guidelines of up to 6%. These concessions affect seller net, but do not necessarily have any effect on the actual sale prices. No adjustment is normally made if the assistance falls within these parameterrs. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS • The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of it being under responsible ownership. • The appraiser may have provided a sketch in the appraisal report to show approximate dimensions of the improvements, and any such sketch is included only to assist the reader of the report in visualizing the property and understanding the appraisers determination of its size. Unless otherwise indicated. a Land Survey was not performed. • If so indicated. the appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is no± a surveyor, he or she makes no guarantees. express or implied; regarding this determination. • The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question. unless specific arrangements to do so have been made beforehand, or as otherwise required by law. • If the cost approach is included in this appraisal, the appraiser has estimated the value of the land in the cost approach at its highest and best use. and the improvements at their contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if they are so used. Unless otherwise specifically indicated, the cost approach value is not an insurance value. and should not be used as such. • The appraiser has noted in the appraisal report any adverse conditions (including, but not limited to. needed repairs. depreciation, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property.. or that he or she became aware of during the normal research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden or unapparent conditions of the property, or adverse environmental conditions (including. but not limited to, the presence of hazardous wastes. toxic substances. etc.) that would make the property more or less valuable. and has assumed that there are no such conditions and makes no guarantees or warranties. express or implied. regarding the condition of the property. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards. the appraisal report must not be considered as zn environmental assessment of the property. • The appraiser obtained the information, estimates. and opinions chat were expressed in the appraisal report from sources that he or she considers to be reliable and believes them i~c be true and correct. The appraiser does not assume responsibility for the accuracy of surh items that were furnished by other parties. • The appraiser ~~il~ nor disclose the ccntents of the appraisal report except as proviaed'or in the Uniform. Standards o' Professional Appraisal °ractice. anr' any appucable tede~a~, slate or local laws. • If this appraisal is u~dica?ed as subject io satisfactor~~ completion. repairs. or alterations. the appraiser has based his or her appraisal report and valuation conclusion or t~~e acsumptian that compiet~on of the improvements will be performed in ~ workmanlike manner. • P,n aR~~~ai~e s clie~ i~ ±he party (or oar+,ies` whe enpaae an appraiser m a specific assignment Ant ot7e~ party acgwring this report from the client does not become: pct1 i;: t~i° appfa!Ser-Cllen' reiaflonship- A^y perSOn~ reC?IVing this app'alSa f~p'!'t be.,a~se G` diSCIOSUfE r?q~JlrementS applicable t0 th+; i;ppfalSef'S Client d0 no' ~eCO'Tl~ I~~:ended UScrr ~~'~~~ report UnIeSS SpeCillCdllV Id°ntif~°p ti,~ ihG client ai tn~ `'me ~? the assignment. • The appraisers Jeri"en consent anC approva: must oe obtained before this appraisal report can be ccnveve~ oy anyone tc the .-ublic. through advertising. public relations. nBJ~'S. S2~eS. 0' b)' meanc~ Ci an'J Cthef media. Oi b)' Its InCIUSIOn In a prlt;ale 0' D;:b~in dataozse • An appraisal of real property is not a 'homE inspection and should not be construed as such. As par o! the valuation process. the appraiser performs a non-invasive visua' inventory that is not intended io reveal defects or deirimental conditions that are no+, readily apparent. The presence of such conditions or defects coulC aaversely affect the appraisers opinion of value. Clients with concerns about such potential nagative factors are encouraged to engage the appropriate type of expert to investigate. ~o:m produced b, Unireo ~us~er^s ~o+rware Gcmpzny i80C; 9E~-8?2% wwv. un~tea,vstems.pom (Rev 06;"OBj ?-I-' F,~~nc; ,'po~~~sz' c~ ---- ------~ -- File No. 1200510 RESIDENTIAL SUMMARY APPRAISAL REPORT File # i2oo510 DEFINITION OF MARKET VALUE* Market value means the most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: • Buyer and seller are typically motivated; • Both parties are well informed or well advised and acting in what they consider their own best interests; • A reasonable time is allowed for exposure in the open market; • Payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and • The price represenls the normal consideration for the property sold unaffected by special or creative financing or sales concessions granted by anyone associated with the sale. *This definition is from regulations published by federal regulatory agencies pursuant to Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) of 1989 between July 5, 1990, and August 24, 1990, by the Federal Reserve System (FRS), National Credit Union Administration (NCU,4), Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS), and the Office of Comptroller of the Currency (OCC). This definition is also referenced in regulations jointly published by the OCC, OTS, FRS, and FDIC on June 7, 1994, and in the Interagency Appraisal and Evaluation Guidelines, dated October 27. 1994. APPRAISER'S CERTIFICATION - I certify that, to the best of my knowledge and belief: • The statements of fact contained in this report are true and correct. • The credibility of this report, for the stated use by the stated user(s), of the reported analyses. opinions, and conclusions are limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and unbiased professional analyses, opinions. and conclusions. • I have no present or prospective interest in the property that is the subject of this report and no personal interest with respect to the parties involved. • I have no bias with respect to the property that is the subject of this report or to the parties involved with this assignment. • My engagement in this assignment was not contingent upon developing or reporting predetermined results. • My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. • My analyses. opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standards of Professional .Appraisal Practice that were in effect at the time this report was prepared. • I did not base. either partially or completely, my analysis and/or the opinion of value in the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property, or of the present owners or occupants of the properties in the vicinity of the subject property. • Unless otherwise indicated, I have made a personal inspection of the property that is the subject of this report. • Unless otherwise indicated, no one provided significant real property appraisal assistance to the person(s) signing this certification. Additional Certifications: APPRAISER ~i ;- `~ ~' ~~ Signature _-_~~-~~~,.~- Name G. Arthur Calaman Company Name 6 _H Agency~Appraisal Ser_vices__ _ Company Address 16,5 N. Hanover Street Ca~fisle, Pa. 17013 --- ----- ---- Telephone Numba~ ;~17) 243-1000 ext. 216 _ _ Email Address bhappraisal~a;comcas n_et_ Cate o` Signature any Report 12/302010 _____ ___ Stafe Certification ;~ RL-139418 or State !icense ----- State Pa - ---- ---- ----- Expiration Cafe c Cert~fi~.;tior o~icense 06%30,,20':1 ------ Subject Inspect;o~~ X interior ono Extero~ _- Exterior Only -_ tvone Inspection Date December 8, 2010 SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name -------- ----------- Company Name ------_--- Company Address ---- - -------- ----- Telephone Number ----------- Email Address _-_ _ __-- ----- __---- Date of Signature _---------- ---------- State Certification # - ----- --- or State ! icense ~ - ----- -------- Staie -- ----- -- ---- Expiration Date of Certification or License Subject !nspectior: _- Interior and Exterior -_ Exterior Gnly _ None Inspection Date worm prod~red b~ United Systems Software Gomoanj (800) 969-8~ 2i www un~tsdsys~ems ~~°m (R24 06,108) E-'^ t gency Rppra~sa~ Serv~ce~ __ ___ File No 1200510 SUBJECT PHOTOGRAPH ADDENDUM Borrower/Client N/A Address 102 Third Street Unit No. N/A ____ _ City Boiling Springs _ County Cumberland State ?a Zip Code 17007 ______ Lender/Client Estate of Doris J. Whitcomb Front View Rear View Street View ~~rm proouce~'dr United Systems Sp'tware Company ~8~~,^,; 969-8?27 ww~a.uniteasvsiems ;om F!le Nn 19nn.51n SUBJECT INTERIOR PHOTOS Borrower/Client N/A --- AddresS 102 Third Street -- ------ - _ __ Unit No. N/A __ __ ___ ~ity Boiling Springs _ County Cumberland State Pa '_ender,~Client Estate of Doris J. Whitcomb - --. Zip Code 17007 _ _ ___ Living Room Kitchen Form orcduced b~~ Uniled System: Sofhvare Compaq; ;800; 959-8~ 2' wvw, uniledsys(ems.com Dining Room 1/2 Bath Master Bedroom Sunroom or Family Room Fila Nn ,~nn~,n SUBJECT INTERIOR PHOTOS lorroweriClieni N/A -- ~ddfesS 102 Third Street ----- ----- ;itV Boilin S rin s -- nit No. N/A ___ 9 -p-g. County Cumberland State Pa ender/Client Estate of Doris J. Whitcomb Zip Code 17007 ___ Bedroom 2 Main Bathroom corm oroauced bq Uni;ed System. Sofh~~are Company (80C~ 96G-8727 www unitedsvstems com Bedroom 3 Ceiling Damage in Dining Room Ceiling Damage in Mas. Bedroom Ceiling Damage in Hallway Borrower/C!ien( n/A Address 102 ThirdStreet City Boiling Springs Lender;~Client Estate of Doris J. Whitcomb - ---_ -- I 31.0' Second Floor ° v Finished o ~' Living Area N 31.0' -- --- - - -18.0' - -- -- -- ° Patio ° ~ ~ 12.0 -- - - i 24.0' o Covered ~ o io ° Porch ~ 6.0' First FloorFinished 0 N Living Area b N 31.0' o Covered ~h=_tcn oy Fpex rv~^~ ~ POrCh B.Q~ - Comments: Sketch depicted was taken from actual to ed measurements of a p ppraiser at ti me of inspection. LIVING AREA BREAKDOWN Breakdown Subtotals First Floor 10 0 . x 24.0 240.0 24.0 x 31.0 79.4.0 Second Floor 24.0 x 31 0 i I . 744.0 I i I ! ~ I I i I f I 3ltems (Rounded) 1728 f Fnrm n-nd~~~ori h„ '~ ~~ao~ c,~iom~ can..,., -_ County Cumberland Unit No. N/A State ?a Zip Code 17007 Code AREA CALCULATIONS SUMMARY Description Net Size Net Totals GLAl First Floor 984.0 984.0 GLA2 Second Floor 744.0 744 0 P/P Covered Porch 120.0 . Patio 324.0 i Covered Porch 40.0 484.0 i i I Net LIVABLE Area Rounded) f ' 1728 SKETCH Fide N~ i~nnsin .__ _._._...,, ~„~,., ,.~_ .,,,~ v ~v~, ~u.-c;. ~. Yr Y<'Y~.Jf~!.P7SVSIpTS.COfTI COMPARABLE PHOTOGRAPH ADDENDUM Borrower/C'~ient N/A _ Address 102 Third Street _ City Boiling Springs Lender'Client Estate of Doris J. Whitcomb County Cumberland Filo nln 1~nn~in ___ Unit Na. N/A State ?a Zip Code 17007 Sales Comparable 1 Front View Address: 19 High Street Prox. to Subject: 0.29 MI Sales Price: $ 169,900.00 Gross Living Area: 1884 Total Rooms: 8 Total Bedrooms: 3 Total Bathrooms: 1.50 Location: Average Sales Comparable 2 Front View Address: 500 Forge Road Prox. to Subject: 1.09 MI Sales Price: $ 212,000.00 Gross Living Area: 1497 Total Rooms: 7 Total Bedrooms: 3 Total Bathrooms: 1.50 Location: Average Sales Comparable 3 Front View Address: 123 Forge Road Prox. to Subject: 0.59 MI Sales Price: $ 138,000.00 Gross Livinc Area: 1456 Tota! Rooms: 7 Tota, Bedrooms: 3 Tota~ ~3athrooms~ 1.50 LocaUoo Average roan produced by Unified Systems So!tware company ;BOOT 255-8 ~ 2? wvew.unifedsvsiems com B-H ..gency Appraisal Services File No. 120D510-R NOT TO BE USED FOR MORTGAGE FINANCING PURPOSES RESIDENTIAL Sl1MMlIRY IlPPRLIISO~ REPORT FaP ~ 1200510-R Property Address 102 Third Street Rear City Boiling Springs State Pa Zip Code 170 07 _ Borrower (if applicable) N/A .Owner of Public Record Robert K. & Doris ]. Whitcomb County Cumberland Legal Description See Attached Deed Copy from DB 18-J PGs 564/565 Assessor's Parcel # 40-29-2482-228./ 02 Tax Year 2010 R.E. Taxes $ 4,093.00 (m /L) _ Neighborhood Name village of Boiling Springs Map Reference (40) 29-2482-228 Tax Map Census Tract 0125 __ _ Occupant [Owner ~_ Tenant i[ Vacant Special Assessments $ None Known [ PUD HOA $ N/A ~'~ per year per month Property Rights Appraised ~~ Fee Simple [Leasehold '[J Other (describe) Assignment Type [Purchase Transaction [Refinance Transaction '~ Other (describe) To Establish value for Estate Purposes _ Is the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? [ Yes X No ___ Report data Source(s) used. offering price(s), and date(s). Owner/CPML: CPML shows no record of for sale, listing, or otherwise in the past 12 months for the subject address The purpose of this appraisal is to develop an opinion of ;~ Market Value (as defined). or ~ Other (describe) This report reflects the following value (if not Current, see comments) ~ Current (the Inspection Date is the Effective Date) ^_ Retrospective i Prospective Approaches developed for this appraisal '~ Sales Comparison Approach ;Cost Approach _~ Income Approach (See Reconciliation Comments and Scope of Work) _ Intended Use To establish most probable "Market Value" as defined by USPAP (contained within this report) Intended User(s) (by name or type) Estate of Doris ]. Whitcomb and possible other Intended Users as to be determined by the Client - Client Name Estate of Doris J. Whitcomb Client Address 102 Third Street, Boiling Springs, Pa. 17007 Client Contact Scott Whitcomb, Exec. Client Email N/A A raiser Name G. Arthur Calaman, Pa. Cert.# RL-139418 A raiser Address B-H Agency Ap raisal Services 163 N. Hanover St. Carlisle, Pa. 17013 Note: Race and the racial composition of the neighborhood are not appraisal factors. Location `~ Urban ~' Suburban [Rural ~ Property Values [Increasing ~', Stable [Declining PRICE AGE One-Unit 95 _ _ Built-up `~ Over 75%'- 25-75% [Under 25% !, Demand/Supply ~, Shortage '-' In Balance f_~ Over Supply $ (000) (yrs) 2-4 Umt 2 _ - Growth ~[ Rapid _ ~ Stable [Slow ;Marketing Time '[ Under 3 mths ~, 3-6 mths [Over 6 mths 65k Low 5 Multi-Family 1 Neighborhood Boundaries Subject is situated within the village of Boiling Springs, and is bounded to the north 200k High 100+ Commercial 1 _-_ by First Street; to the east by Children's Lake; to the south by Race Street; to the west by High Street. ~! 150-170 Pred. 60+ ,Other 1 Neighborhood Description Subject is situated in an alley off Third Street, in the rear of the main house @ 102 Third Street. It is a residential neighborhood of mixed style single family and duplex properties, and two multi family apartment bldgs. Major roadways, employment, shopping, and schools are within reasonable driving distance. Utilities as well as fire and state police protection are present and adequate for the area. Market Conditions (including support for the above conclusions) Employment, mtg rates,& inventories have remained fairly stable in the area, and although interest rates are fluctuating and activity is slow, the market has been slow, but stable. Appreciation has had no increase over the past year, but I haven't _ _ seen much of a decline in values as in other parts of the nation. Marketing time for similar properties would be 90 days or less, but could be up to 180 days. Dimensions N/A Area N/A Shape N/A View Garages & rear of houses __ Specific Zoning Classification village Zoning Description Residential _ Zoning Compliance ~ Legal [Legal Nonconforming (Grandfathered Use) [ No Zoning [Illegal (describe) Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? I~ Yes No If No. describe Utilities Public Other (describe) Public Other (describe) Off-site Improvements -Type Public Private Electricity ~( Water ~ _^', from main house Street Third Street is Paved X- -- - Gas [ ~-Propane possible Sanitary Sewer R, !^ from main house Alley Gravel/Stone `~ __ FEMA Special Flood Hazard Area? I^ Yes ~ No FEMA Flood Zone X FEMA Map # 42041C 0244E FEMA Map Date 03/15/2009 __ Are the utilities and off-site improvements typical for the market area? `R' Yes [ No If No, describe Are there any adverse site conditions or external factors (easements, encroachments. environmental conditions. land uses, etc.)? ~I Yes ~'~' No If Yes. describe _ None Known, but Also see Text Addendum Page..... Units `_R' One [One with Accessory Unit'.:' ;Concrete Slab `R Crawl Space Foundation Walls Stone: Unknown Floors Carpet/Wood /vinyl: Poor _ # of Stories Two [Full Basement Partial Basement Exterior Walls vinyl: Average Walls Drywall: Fair to Aver age _ _ Type ~ Det. [Att. - S-Det./End Unit, Basement Area N/A sq. ft. 'Roof Surface Metal: Fair to Average Trim/Finish Wood: Average Existing '[ Proposed '[ Under Const. Basement Finished 0 % Gutters & Downspouts None Bath Floor Cpt/vinyl: Fair to Ave. Design (Style) Traditional [Outside Entry/Exit 'Sump Pump Window Type Dbl Hung Bath Wainscot N/A Year Built 1900 (m/L) Evidence of [Infestation Storm Sash/Insulated Triple Trac - None Car Storage '~~ Effective Age (Yrs) 40+ yrs (m/L) ~ Dampness r Settlement Screens Yes _ _~Driveway # of Cars Attic `X' None Heating `~ FWA [~ HWBB ;Radiant Amenities '~ WoodStove(s) # o Driveway Surface ` _ ___ [Drop Stair _ __ Stairs '[ 'Other 'Fuel Oil ^ Fireplace(s) # ^' Fence r-.Garage # of Cars [ Floor _ _Scuttle _ Cooling [Central Air Conditioning Patio/Deck N/A X Porch Front Covered ~ Carport # oi Cars _ _ Finished _ Heated _ individual Other Fool N/A x' Other Side Covered ^Att. ' Det. Built-in _ __ Appliances X Refrioerato~~ Range'Oven ~ Dishwasher _~ Disposal Micro~n~ave Washer/Dryer __ Other (describe) Finished area above g ~o~ contains 7 Rooms 2 Bedrooms 1.OG Batnlsi 1350 Square Feet c` Gross !wing Arez .above Grade Additional teatu~es rspF ~; pne 4~ Afficien~ i'ems etc.) Roof has beer' recently sealed and painted. Vmy~ flooring in kitchen and laundry room was installed ---------------- approx. 7 years ago Describe the concition er tie p op~rl~ !including needed repairs. deterioration. renovations, remodeling. e ~.i See Text Addendum Page.... - _ - -- - ----- - . ___ -- - - - ---- - ---- -------1 - F F -- h ~~ - ~ F ~o-~~ «-- - a - r _1 ~ f v r -- --- supplyrisaac essedafrom mainehouse on Third St~There s no, tshult off/onstonmairswaterum the houseF Irtw~ Peroer. befo freezing tempsYwater srioe Water ~ _ - -apply freezes. Spigots have to be made to "drip" to avoid freezing. There are no shut-offs on any spigots on 2nd Boor. Kitchen floor and sink area is dropping from level on sink 9de of oom; possible floor or foundation problem. House has very little (if any) insulation m walls, very drafty in winter & espec_ially_at ~Nindows. Does the property gene z 'y conform tc the ne~gnborhood (functional utility, style.. condition. use. construction. etc.l % ~ Yes ^ No I` No. describe 1~5111""~~fi"°~'~911"~"[ roam produced by United Systems Software Company (BDD) 969-E'?; K~ urntedsyste~ns coin (Rev 06,08) E-!-'.g,r~ ~~pr~~~a' File No. 12005]0-R _- RESIDENTIAL SUMMARY APPRAISAL REPORT File # 1200510-R FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARAB LE: SALE # 3 Address 102 Third Street Rear Boiling Springs, Pa 17007 105 Walnut Street 'Boiling Springs, Pa. 17007 ~i22 W. Springville Road ,Boiling Springs, Pa. 17007 _ _ _ 29 E. Pine Street .Mount Holly Springs, Pa. 17065 Proximity to Subject _ Sale Price_ $N/A Sale Price/Gross Liv Area $N/A 0.14 MI $65,000 sq. ft. $58.24 sq. ft. _ !0.69 MI $89,000 $65.73 sq. ft - !3.79 MI $65,500 $54.40 sq. ft.: , Data Sourcels) CPML &CCCH CPML &CCCH iCPML &CCCH Verification Source(s) Drive-by Ext. Inspection Drive-by Ext. Inspection Drive-by Ext. Inspection VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION ~ -(-) $ Adjustment DESCRIPTION ', +(-) $ Adjusimen ~ DESCRIPTION ~ } (-) $ Adiustment Sale or Financing Cash ~~Cash _ _ 'Conventional Concessions _ NJA 'N/A N/A __ Da f ~T te o_Sale, ime ____ 12 15 2009 / / - 05/06/2010 - ---- 04/21/2010 -- Location Alley Average _' _ -5000,Average -5000'Average ~ -5000 Leasehold/Fee Simple Fee Simple Fee Simple Fee Simple ~ ____ Fee Simple __ Site ___- 0.00 acre -0.07 acre (m/L) -280011.02 acre (m/L) _ -40800'0.16 acre (m/L) -6400 View _ Residential Residential ~ Residential ' __ Residential - Design (Style) _ ;Traditional 2 Story .Traditional 2 Story _ ;Traditional 2 Story traditional 2 Story Quality Of ConSUuCtiOn Average to Period Built'Average to Period Built' ,Average to Period Built Average to Period Built Actual Age __ '100 yrs. (m/L) 70 yrs. (m/L) 100 yrs. (m/L) ~ 100+yrs. (m/L) Condition __ .Fair Fair 'Poor 10000'Fair Above Grade ~ Total Bdrms.i Baths Total I Bdrms. Baths ~ Total ', Bdrms.. Baths i ;Total 'Bdrms. Baths Room Count 7 2 I 1.00 6 '! 3 1.50 -3500'; 7 3 ' 1.00 ' _ __ -2000' 6 i 2 1.00 ~ Gross Living Area _ I 1350 sq. ft. ' 1116 sq. tt. 5850' 1354 sq. ft. I _ N/A:. 1204 sq . f1:4 3650 Basement & Finished Rooms Below Grade _ ',None 'None Full Concrete None Known -1500!Full Concrete None Known __ -1500 _ __ 1Fu11 Concrete (None Known -1500 Functional Utility iFair to Average Fair to Average _ Fair to Average _ ; ___ Fair to Average !Heating/Cooling IFHA/No Central Air FHA/No Central Air HWBB/No Central Air I HWBB/No Central Air 'Energy Efficient Items Garage/Carport __ Porch/Patio/Deck _ None observedNone Known I '.Workshop & Storage Old 2 Car Det. Porch/Porch .Porch/Porch/Patio i None Known _ N/A Old 2 Car Det. _ -1000 Full Front Porch _ _ _ N/A' _ N/A _ None Known Ave. 1 Car Det. ___ _ Full Front Porch N/A N/A Exterior Finish _ Vinyl Aluminum ..Aluminum _ ___ Vinyl Fireplaces,etc. - 'None None Known I (1) Fireplace -25001None Known Fence/Pool/etc. None '.Fence N/A',None Known 'Fence ' Nef Adjustment (Total) ~, ~ ~~ - $_ _ [ + ~ - $ -7950 + Adjusted Sale Price Net Adj. 12.23%, Net Adj. 46.97% of comparables Gross Adj. 30.23%~$ 57050! Gross Adj. 69.44% $ I ',~ did did not research the sale or transfer history of the subject property and comparable sales. If not, explain __ -418001 _ + a ~--r - I Net Adj. 14.12°b' 47200' Gross Adj. 25.27%6 $ -9250 56250 My research I .did _X did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal. Data Source(s) CCCH Assessment Records - -------- My research d did ~ did not reveal any prior sales or transfers of the comparables sales for the year prior to the date of sale of the comparable sale. '-0ata Source(s) CCCH Assessment Records --------- Report the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on_page 3). ITEM SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Date of Prior Sale/Transfer !04/30/1958 07/09/2009 02/27/2001 03/19/2010 10/24/2006 '03/24/2010 ___02/08/2006 Price of Prior Sale/Tran_s_fer j$11,000.00 ',$1.00 (Re-Po) $81,000.00,$1.00 (Re-Po) $105,000.00 $1.00 (Re-Po) $].15,500.00 Data Source(s) !Deed CCCH Assessment Records CCCH Assessment Records '.CCCH Assessment_R__ecords Effective Date of Data So_urce(s) 112/08/2010 112/28/2010 12/28/2010 __ 12/28/2010 Analysis of prior sale or transfer history of the subtect property and comparable sales Subject is not, and has not been listed for sale within the last 12 months to the best of the appraiser's knowledge. Subject and comparables last transferred ownership on the dates above, and have not been resold since then to the best of the appraiser's knowledge. ----- Summary of Sales Comparison Approach Appraiser searched CCCH sales records as well as multi-list for the best comparables to the subject- of the_a_nalysis. The comparable properties used in this analysis are in my opinion the very best available at the present, and all having been sales within the most rer_ent: months. 'All are relative in proximity, within the same general market area, and as similar as possible in nature, age, style, size and condition. Adjustments have been made to compensate for differences in the comparables where necessary. A $2,000 adjustment was made fora 3rd bedroom of comps #1 and #2, because a 3 bedroom home i_s m_uch preferred and brings higher value than a 2 bedroom of the_same type. $1,500 was adjusted for the 1/2 bath of #1; subject does have a toilet (only or the first floor, which is not considered as a bath of any type. Due to interior condition of the subject, a modest figure of $25 p, sq. ft. - -_ - ---- ------ - --- -- ----- ---- was uses tc ca cu,are above ground finished living area in excess of 100 sq. ft. 540,000 p acre (or frad~on thereof) was used to calculate difference in srtus -- - -- or eac ondiuon o` each comp was verified by Rea'tor comments. Comp # 1 was said to be in need of cosmetic rehab and updating; Comp #2 was said to 1 -- -- _ _ -- - -- P need / pa rP a ins G and out; coin #3 was said to be dated, but fai condition. i_a~atron for each coin arable rs considered "avers e" each oemg on a -- - --- - j -- --- ---- -_ ~ y - p -- j - ---- g _ ---- main ubhc ownshi maintained street or road; ad ustment was made for the off street `alle ~' location of the sub ect where no maintenance o` any type is - - -- provide Ne recen+ sales of 2 bedroom ..ompa ables were located vnthm Boiling Springs, therefore I chose what in my opinion was the next best th rig, w ich was a eery simi~ar 2 bedroom in Moun` Holly Springs. Dates of sale in the grid section are from County Records not MLS. I ---- -- ----- icated Vahu®e by S®ales Comparison .Approach S 56,600.00 ~~f ~{ 1 Fn.m n nrii~ r h:, r,~+o rl C.,~~., ~ C..~n ,, r„ .-- -~-__ _ _ .............. ....:.. ~..,,:.; .,~.: ~~ ~, ,,,,rr.uimcuayaic iia cu~i' IRev Ob~08i --N ^~gency Appr3isa'~ services SUBJECT PHOTOGRAPH ADDENDUM =ile No. "200510 Borrower/Client N/A _ __ Address 102_Third Street Rear _ Unit No. N/A _ __ City Boiling Springs __ COUnty Cumberland ___ State Pa Zlp Code 17007 _ __ __ Lender,!Client Estate of Doris J. Whitcomb Front View Rear View Street View (Alley) Form produced Cy Unlted Systems Settware Gompanv ,800; 9oS-c~72' www unite~sysfems com -H ~aenc~ Apo~a'sa~ Sevlcr: File No 1200510 SUBJECT INTERIOR PHOTOS Borrower/Client N/A Address 102 Third Street Rear Unit No. N/A _____ City Boiling Springs_ County Cumberland State Pa Zip Code 17007 ____ ___ Lender/Client Estate cif Doris J. Whitcomb Living Room Kitchen Laundry Room Dining Room Sunroom Bathroom Form produced by United Systems Software Ca^~pany (8"0! 969-&7?7 www uni[edsvsfems corn R-H ^an,,y;~~-3~ cp, 1=ile No 19M51(1 SUBJECT INTERIOR PHOTOS xroweriClient N,'A -^ ldress 102 Third S~_reet Rear - -- _- _._ Unlt No. N/A ______ ty Boiling Springs County Cumberland State Fa ___ _ Zip Code voo~ ______ rider%Client Estate of Doris ]. Whitcomb Master Bedroom Drywall damage @ window corner in Master Bedroom Ceiling Damage in Bedroom 2 Bedroom 2 Drywall Damage behind door in Master Bedroom JI _ --- - - q ;, .. _. _. __ _ - _ _ hl §, i7=_ti. - - - - _. ~,.- _ ~, -. V _ i -- -- - _ I' ~ ~ IR~+w _ ------ __- I ~ -- _ - __ _ - _ - ~- Rolled Metal Roof lifting corm proda~ed 'oy Unifed Systems Sof(ware r;~moaay r8~0 959-8'2' wwv; unrteasvstems.co~~^ =~E ?dc- ' 20051^v SKETCH Borrower/Client N/A --- Address 102 Third Street Rear - Unit No. N/A _ City Boiling Springs__ County Cumberland State Pa Zip Code 17007 _____ ___ Lender!Client Estate of Doris J. Whitcomb 30.0' o Second Floor o ~ Finished ~ T r Living Area 30.0' 30.0' C vered b orch "' 14.0' 4.0' First Floor 0 0 ,: Finished ~ `~ Living Area "' 0 0 o Utility ~ Workshop ao ~ Shed T r T I , 4.0' I , 2.0' I 30.0' l o Covered ~ Porch - --- Sket;h try 4pex IV'"' 6,0~ Comments: Sketch depicted was taken from actual taped measurements of appraiser at time of inspection. AREA CALCULATIONS SUMMARY Code Description Net Size Net Totals GLAl First Floor 810.0 810.0 GLA2 Second Floor 540.0 540.0 P/P Covered Porch 20.0 Covered Porch 24.0 44.0 GAR Garage or Workshop 252.0 252.0 i I Net ~IVAI3LE Area (Roundedi ~ 1350 germ produced off. United Syslams Software Compa~~y (800. 969-b72% wv,~a. unitedsystems corr. LIVING AREA BREAKDOWN Breakdown Subtotals First Floor 27.0 x 30.0 810.0 Second Floor 18.0 x 30.0 540.0 I ~ ~ I I 2 Items (Rounded) ~ 3. 5~J B-H Paencv Aooraisa~~ Services File No 1200510 COMPARABLE PHOTOGRAPH ADDENDUM Borrower/Client tv/a __ Address 102 Third Street Rear Unit No. N/A __ City Boiling Springs __ County Cumberland State Pa Zip Code 17007 __ Lender/Client Estate of Doris J. Whitcomb Sales Comparable 4 Front View Address: 105 Walnut Street Prox. to Subject: 0.14 MI Sales Price: $ 65,000.00 Gross Living Area: 1116 Total Rooms: 6 Total Bedrooms: 3 Total Bathrooms: 1.50 Sales Comparable 5 Front View Address: 22 W. Springville Road Prox. to Subject: 0.69 MI Sales Price: $ 89,000.00 Gross Living Area: 1354 Total Rooms: 7 Total Bedrooms: 3 Total Bathrooms: 1.00 Sales Comparable 6 Front View Address: 29 E. Pine Street Prox. to Subject: 3.79 MI Sales Pnce: $ 65,500.00 Gross Living Area: izo4 Total Rooms 6 Tota' Bedrooms. 2 TOta' ~ 3thr00ms 1.00 Form produced t~~~ Un~(ed Systems Sofi~~2re Ocmrany ;BSO; 9~?-672i v~~v.~ unitedsystems com ?-N Pgency Appraisal cervices pile wo 12005'0 TEXT ADDENDUM Borrower/Client N/A Address 102 Third Street / 102 Third Street Rear Unit No. N/A _ __ City Boiling Springs _ County Cumberland State Pa Zip Code 17007 ___ __ Lender/Client Estate of Doris ]. Whitcomb CONDITION OF PROPERTY FOR 102 Third Street (Main House): Home is in fair to average condition but with no serious physical, functional or external obsolescence. FHA or VA Financing would not be possible in present condition. Quality of construction is average to the area and period. Much of the exterior wood trim and surfaces has chipping or peeling paint that should be addressed. Interior of the home is dated, and in need of repairs and renovations resulting from years of deferred maintenance, in order to equal average to good condition as per today's market standards: Living Room, Kitchen and Dining Room each have crown mold trim around ceiling. Walls and ceilings of the home are plaster for the most part, and have noticeable cracking at places and damage in several places upstairs from water leaks. Ceiling damage is evident in master bedroom, hallway, and 3rd bedroom. (Some photos are included) Living Room has wood plank floor, most likely original, which is worn, scuffed and should be refinished or covered. Kitchen is a very small cook-in only, and has no dishwasher or garbage disposal, and limited cupboard /cabinet storage. Sunroom or Family Room in rear was at one time a porch, which was turned into living space with paneling on the outter walls, and a ceiling fan. The floor appears to be concrete, and the room has electric baseboard heat. Main Bathroom on 2nd floor needs totally renovated. Carpeting on 2nd floor is all old and worn, in need of replacement. CONDITION OF PROPERTY FOR 102 Third Street Rear: Home is in fair condition but with no serious physical, functional or external obsolescence. FHA or VA Financing would not be possible in present condition. Quality of construction is average to the area and period. Interior of the home is dated, and in need of repairs and renovations resulting from years of deferred maintenance, in order to equal average to good condition as per today's market standards: With exception to the kitchen and bathroom, painting of interior has not been done in over sixteen years. Kitchen and Laundry Room repainting and new vinyl flooring was done by professionals at tenants expense approximately 7 - 8 years ago. Bathroom was redone by professionals at tenants expense approximately 8 - 9 years ago. Kitchen has ample storage, but cabinets are old metal style, with 40's style sink and decor. Cupboards are wood and apparently built in place. There is no garbage disposal; electric range and portable dishwasher are property of tenant. There is no water main shut-off /on on the premises. Main water is supplied from the main house. In winter, water has and will freeze at the point of intake at the kitchen sink wall. Spigots must be left to "drip" to avoid freezing. Pipes for second floor bathroom run up through that outter kitchen wall and also will and have frozen during extreme cold periods. Living Room and Dining Room have hardwood Pine flooring that is in need of refinish or covering. Sunroom in rear was originally a porch that has been finished w/drywall and indoor /outdoor type carpeting that is 16+ years; old. Kitchen has a former closet, still with clothes hanger bars, that houses a toilet. Carpeting on stairs and 2nd floor is approximately 20 years old, worn, in need of replacement. Ceiling and some wall damage to drywall is evident on the 2nd floor from roof leaking, which is assumed to be repaired. (Some photos are included). Drywall has cracks in seams or corners in various places throughout. Rolled metal roofing on sunroom leaks from time to time, allowing wetness to infiltrate the outter rear wall. Roof needs repl.ac:ed according to roofer who sealed and painted the main roof in summer of 2010. ram eroduced b}~ Unitec Systems So'tware Company (8~0° 96~-&72' www u~~tedsyslems wm -~ `cen~ i,pp~aisa services =ile No 1200510 TEXT ADDENDUM Borrower/Client N/A Address 102 Third Street / 102 Third Street Rear ------ Unit No. N/A _ City Boiling Springs ___ County Cumberland St2te Fa Lender/Client Estate of Doris J. Whitcomb Zip Code 17007 _ - DEFINITIONS AND DATA SOURCES: EXPOSURE TIME: For the appraised property, the exposure time, based on the experiences of other similar properties in the same or similar neighborhoods is estimated to be at three to six months. Exposure time is backward looking, where there is historical data available that provides a reasonable indication of the amount of time that would have been involved to market the subject property being analyzed, and obtain a sale as of the effective date of the appraisal. This data has been considered and used in this estimate. MARKET TIME: Marketing time on the other hand is forward looking, and is expressed as an estimate (projection) of the time that would be required to market the subject property and obtain a sale. In this context, it should be noted that I have adhered to the definition of "Marketing Time" as put forth by the "Appraisal Standards Board" and included in this report. This definition advises that marketing time does not begin until two things take place: (1) an offering of the property at a price that marketing participants find acceptable, and (2) an effective marketing plan is implemented. SCOPE (EXTENT) OF APPRAISAL: In the preparation of this appraisal, I have made a physical inspection of the site and the improvements (if any). I have traveled the neighborhood and if necessary, made appropriate observations or notes. Data sources employed in addition were the zoning map or officer and ordinance for the municipality, the recorded deed or legal description, the tax assessment parcel records, local multi-list records, and the FEMA maps for the location, if required. Consideration has been given to the highest and best use of the property, and all three approaches to value, with application to those most relevant and applicable to the valuation of the subject. Data referring to Predominant Occupancy, Single Family Age and Pricing, Present Land Use and Changes are reflecting statistics for township/borough/general area, not for precise subject neighborhood. Other aspects of research and analyses relating to the Scope of Work performed as to the development of the assignment, anti results and conclusions of this report, are found and disclosed in other sections throughout. CCCH &CPML are acronyms for the Cumberland County Court House and Central Penn Multi-List respectively. These were the primary sources used to secure property data. In addition, already verified information and data from my own files was used if needed, and where appropriate. All information developed was independently verified where public sources did not provide needed verifncation. I may have contacted listing or sale agents or other parties to the transactions, if I felt it necessary to verify data listed in CPML, as well as any suspected unordinary seller concessions. In the valuation process, all appropriate value approaches, or their exclusions are mentioned in appropriate sections of the report. CONDITIONS OF APPRAISAL (DISCLOSURE): The appraiser(s) is unable to know or verify, and in most instances unqualified to determine or- verify any insulation or "R" factor; also the presence of urea formaldehyde foam insulation (UFFI), any wood infestation or causes thereof, any lead based paint, any type of mold or mildew, any asbestos, the presence or amount of any radon, polyclorinated biphenyls (PCB's), chlorofluorcarbons (GEC's), leaking storage tanks (above or below ground), and soil contaminates or any type of contamination. The quality of any drinking water cannot be tested or verified by the appraiser(s). The appraiser(s) has no expertise and is unqualifed to make any assumptions, statements, or warranties as to the condition of any on or off site septic/sewage system if present. The appraiser(s) is not qualified to test for any contaminates in, on, or around the property, and can make no assumption as to whether or not they are present. It is to be noted however, that if any of the afore mentioned items are present, the market value could be adversely affected or violated. The appraiser(s) has made every effort to look, notice and document if observed, any apparent or unusual appearing circumstance in, on or around the property at the time of the inspection process. The appraiser(s) has only considered the dwelling and items permanently attached as realty. Personal or other items not: permanently attached such as refrigerators, washers/dryers, window air conditioners, free standing stoves,. portable dishwashers, etc. were not given value consideration in the appraisal process. Also NO VALUE is given as to storage sheds, pools (above or in-ground), swing sets, normal fencing, or other items or exterior structures of perceived value, unless specifically noted in the report. Utilities were on @ time of inspection and all plumbing, heating, air r_onditioning (if present), mechanical and electrical systems are assumed to be functional to the best of the appraiser's knowledge, however no warranty or expertise is stated in this report. Line adjustments are not market extracted values due to lack and inconsistency of adequate market data, and therefore are subjective in nature. FINAL RECONCILIATION: This report is a Summary Appraisal Report. In the opinion of the appraiser(s), the "Sales Comparison Analysis" represents the hest indication of market value for the subject, as defined in the "Statement of Limiting Conditions" contained in this report, and this was the only approach considered for both dwellings in determining value for the analysis. This approach to value was given the strongest consideration in estimating the subject's market value as of the date of the appraisal. The "Income Approach to Value" was not considered, as there were no same or similar properties found for use in the evaluation process, therefore limiting the amount of available rental data that would be necessary to accurately complete that approach to value. The primary dwelling @ 102 Third Street is and always has been a single family owner occupied house; It will most likely in the future rerrrain owner occupied. The additional dwelling @ 102 Third Street Rear is a rental unit, could also be used as an in-law quarters or guest house, thereby eliminating any rental amount. The current tenant is long term of 16 years, and pays $500.00 per month plus heat and electric averaging an additional $200.00 per month. This does not give sufficient income to justify an accurate "Income Approach to Value." PRIVACY NOTICE: P;,~rsuant to the Gramm-Leach-Billey Act of 1999, effective July 1, 2001, appraisers and all providers of personal financial sen,~ices are now required by federal .at^r to inform their clients of policies with regard to *.he privacy of client nonpublic personal information. In the course of reseaYch for this appraisal, we may collect what is known as "nonpublic personal information." This informa*.ion is used to facili*,ate the service that we provide, and may include informatron provided to us by you, or indirectly provided to us from others with your authorization. ~'Je do not disclose any nonpublic personal information obtained in the course of our engagement to nonaffiliated third parties, except as necessary qr as required by law. A necessary disclosure weuid be tc an independent contrar_tor, or in certain situations tc third party consultants t^rho v~l~uld reed to know certain information to assist us in providing these appraisal services to you. Should a drsciosure of this r;ature :c any person or firm assisting In the appraisal process be necessary, such persons shall be advised that all information is to be maintained in stnct confidence within the firm. A disclosure required by law would be one that is ordered by a court of competent and legal jurisdiction, witi~ regard to a legal actio~~ to which you are a pare. V~'e will retain records relating to the professional services that we have provided for a reasonable time. In order to protect your nonpublic personal information from unauthorized access by others, we maintain physical, electronic and procedure! safeguards that comply with our professional standards, to insure security and the integrity of your information. roar proouce5 bg L~~~!(ed S~-stems Soifuaare Company ;80G 965-B?2 www unitedsvsiems tom B-H 1oenc, Appraisal Services LOCATION MAP PIeNo '200510 Borrower/Client N/A _ Address 102 Third Street / 102 Third Street Rear _ Unit No. N/A _____ __ City Boiling Springs _ _ County Cumberland _ State Pe Zip Code 17007 ____ __ Lender/Client Estate of-Doris ]. Whitcomb _ G~fJis~~ i' vr ' - - r ' I . ~' ; ~ ~ - ~~drr''' ~ - ' - - 5` 1 Airport- dip - -- _~ ~ ._ ~ ----- "~ , - ------ ='641.. '~~~_ I ?L' b _~ Q~ ~,~g~etu =:~ -d,,,- I - _ -_ ~--_ I I i' Comparable Sale 2 ~~"-- Comparable Sale 3 -- - __ i i 500 Forge Road 123. Forge Road -_ Boiling Springs, PA 17007-9755. Boiling Springs, PA 17007-9747 I! (1,09 miles} (0,59 miles} II i is--==_- - ~; _- ~, ;'; - -- ,; .' II .. p ST8d1'r? i' i, 1+_ r, '. ~,ts'~r Comparable Sales UT ~,'~~~--z, i ~ -~.~' 22 W. Springville Road `~ ~, ~ ~ ~'~ ,'i - gym-=-- Boiling Springs, PA 17007-9739 Subject ' (0,69 miles) - ' ,~p;1C~ ~`~ R ': Bo?ing iSpnngs PA 17007-6004 -{174 . ---- , !~` ~ s " -- ~ t.~ Spr ~ Comparable Sale 1 h ___- _ ~ ;; -_ -- - _ -- ~ - - _ -~ 19 Hig Street ` ~ _ ~ ` $., ~` i i Coyle6 _-_ - Boiling Springs, PA 17007-9201 ~, ~~ __--~-- il ~ ~' , 34~ -- _ ___ (0.29 m es} / - i! _ _. -~ Via. Comparable Sale 4 '` L~idig,'f b~=.- __ _- 105 Walnut Street ' - -- _ ' "_ ~ ~ f-I - Boiling Springs, PA 17007 - ~ . ~a , ~ rr7kel `i.~7=== drto-= L--~ - (0.14 miles) - - 'Hatton' _'{`dCY~'r ~~ ~~ ° Q~~ _' . - 41~ -~ __ - --- ----- rn - ~~ _ Comparable Sale 6 i _~, - - j 29 E, Pine Street -- :- Mourn Noltyt' ~ p, ~ ~ Mount Holly Springs, PA 17065-1420 Sprmgsi l ~ ~ ~'_ ~' (3.79 miles) i A .1t - ~~k Spril' ~~ , __ - -- _ -__ , , ~ ~ Y1~11 ~ 9y~ ~, ~0 ~` ' fit, ., '~~ ~° '~~~ - ¢b ~, -_ - 5?leet Iron ~`° ~. 94 34 ~ ~ . ~ ' , ~ 1U MicrosoR Cori ®2008 NAV'E(, and JarTele 4tlas, Inc. v:' .; :n ~'? ~ - 2.? miles =crm rroducea py Uni~ee Sys!ems Software Cp^;paoy (800; 969-8%~r vrh~w uniteosystems com B-H ^qen;,~ App~aisa! Serv~ces '=1~e No. ?200510 ~~..,.~.~.... ... .. _ S Ad1'.l.T-Ws: r.>_RU' Awi, :i bare Ibrn:, .let ai tE,C? ~^rj~ ~r'~'- .,~~. f-f .~ unry fi~l [, inc., ia6!n~u. Aa. ~ :?sUI ~t.~ s . /~. R V~~ n , ,. `!. i~ r 3 ~ , c~( ~• I n - ~ ~))).e. @ ~_. a. ~, i xf.4i7~' I'~i~. "~~!' 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"above unietert. .- _. ~igzsCG, seafra r'.Eb ~eEibe;cD `.. `'^~~~ `=''S`~-~ ire 2.ie ~reeet~ ~p'bf ~ ..... .......... ~ A _ !. ,, _ do .. r2 4 enrfxr~ =~'~: L iY r-,c_:? _ ~1:; ~ _ c~f =~e Corcaay os C 1 ti o .. ~ t^, <i _ ~ v. i "EEEg" 07t.thtis, thF ~3C,~` rings. ~t ~'~` ~}~ i ~' =i~ , hE/vrc.r;~e, b E i thzi~ndersign,rd ol~cer, persoxa,,E!y~appzarec! Ji;F.1. . , c; F`7:. 'Ji.. _ ,_A r,. J~ i fl', x ~' ~ ~ hnrrwa¢ to the (or s2tisJactosaty~iw~renl G~ be fire lei ion ~ tr terse u~;nr ~ re +.bser:led to ;he sz7r4 '' in.ftestrument, anal re~`~k>~Igad ti::ct ~i~e y _errite~' fi.e ..~r^.~ fc>~ ,t.P mud^'ioser.~ tY~errirc ~ ~ t ~rnsd ~'lIJ WITNESS T:'nr.Fi'E'~%~, F Rc°et nt~, sc. vru pax<i and o~c+c.! se^?. ~ t .... L •. ~~ ~; „~~~,,,yt+° ~ c '~ 4' ~il¢.~ ~~ W ~~ : $~ J. t+'110 ~: J. ._ ; ~ _i q,.: ... . ~;,~'~tYL`'P~.~ .' fny Co~~r1,s'~1 Cx,,;-r, C tij :~.,) ~~ ~ E k ..A Form produced by United Sys!ems Sotr~,~are Company ;&~~0; °5F-8.2~ wv;u~~ un~~e~syslemo com ~_- ',for, ~~. co Fie r~o. 100510 APPRAISER CERTIFICATION ower,~Ciienl NjA -- ---------- e5s 102 Third Street / 102 Third Street Rear Unit No. N/A _ __ __ _ - ----- Boiling Springs_ _ County Cumberland State Pa Zip Code 17007 _ __ _ _ _____ ler/Client Estate of Doris J. Whitcomb t?~~~ ' •n: ~~ ~t a .y; ti .a - 1 0 1 7 a ~~„-~-•~.~ ~ 1,f -:,, k ' ~~ j 7 C~~r~tmott~~~eairh ctf ~'~nns~~l~~ania :d ~ ~ ~ ~ ~ Lk () q 1 s `''~ T}epartmcnt ~f State ~~~! ~:`!~ Bureau af' Yrofe~sionai artd Occupational ~..ffaars ~: ,;; "" 1''n Hor 2G~9 1-iarrist~ur~ F~. 17105-2n~9 _ i~ Ccrti~cate Tti~pe Certificate S~r~~l ~ '`f~ i ~It. ; %~ =~ ; Certi#ie~f Re~iderttiai Appraiser ,fictive ~i ~ -: ~ -K `~ ~~ ~'' tniti~ti ('-ertification Uate ~: ~ I -i~ G ARTHUR CALAMAN Certificate 1 011 812 0 0 6 ~~j °` "~ P 0 60X475 Nttmber ~ ~~~ BOILING SPRINGS PA 11d07.Od75 ' ! , ' ~: RL1394'!$ F~piratintt i3atc ,~ r r~,i ' °~ - t iY. ~ ~ ~ M MI! - 06!34/2011 LLL -~~~ ~' . ~! I r ~ ~ ~ '. ~ ~ i~ _ Ij~ ~4~ ! ~'~ l • Ir m P ~ . . ~J -~ mi i rir _ t Pru c. un _I _n 1 (14 t :,1: n 1 Vlair~ ._... '~, ~`'~y:- 1 D .~0 A 1 0 ~i Z~~ ~Z`rUT O'r 11 ~....(~~.~} i~EF~.f~.~~.Pllld~i+'"k=,}k F ~•'h"T~ corm produced by United Systems Sollware ~ompany .800; 904-&~27 www unitedsystems co!r CHANGE TO LISTING CONTRACT i .._ CLC 1 PROPERTY ,/ /5+`7 `~. ~°°- J O/ ~ ~ r~ ._.~ ic. i i ~ ~ ~ r ~ ' ~ v" ~ z BROKER (Company) Lx" -- 3 SELLER ~ b s DATE OF LISTING CONTRA ~/~~a /~ o LISTED PRICE $ _o'Co ~ ~t1 s s Broker and Seller agree to change the terms of the above Listing Contract as follows: e 1. Ending Date of the Listing Contract is changed to: ~T~"-~ ~ ~ ~ ~ ~ Q "" ~ v 1 1 9 2. Listed Price is changed to: $ -~ t4 3. Appoint Designated Agent(s): A ~~ Seller renounces the agency relationships held with ali licensees affiliated with Broker who are not Designated Agents for Seller. t2 4. Remove Designated Agent(s): 13 14 15 16 17 18 19 All other terms a d conditions of the Li ti Contract remain unchanged and in full force and effect. 20 ~ .~ 2t SELLER _/ ` ~ . ~ " ~ ~' ~ DATE ~ ~~ • ~ ~` Z U ~ L+ zs SELLER DATE _ i3 SELLER DATE z4 zs BROKER (Company Name) ~ //~~~ is ACCEPTED BY - DATE PennsyylYania Association of COPYRIGHT PENNSYLVANIA ASSOCIATION OF REALTORS 1996 ® REALTORS® sroi EXHIBIT B LISTING ~'ON T RAcI:T BLS EXCLUSIVE RIGHT TO SELL REAL ESTATE This form re~eiffRtgnded and approved for, but not restricted to use by, the members of the Pennsylvania Association of REALTOR;SJ (PAR). 1 BROKER (Company) ~~ 2 LICENSEE(S) ~ _ ~ ~ Ci~~ ~~ 3 SELLER ~~Z~~ ~~ V~~ ~ ~•t,~ ::~ 4 Does Seller have a Listing Contract with another Broker? ~ If yes, explain: ^ Yes Cgl No 6 LISTED PRICE $ 7 1. PROPERTY 8 Address ~ ~` l mil ~ ~i`~.C--L,,., ~~~,i ~ i ~ rJ 9 Municipality (city borough, township) ~ ~ t~ 10 County`s ~ " ~ s~-~t2~.~ School District '~~~^~;~-~ -~--~ ~ • 11 Zoning Present Use I~i-S ~ D ~:r.r r Ati 12 Identification (Tax ID #; Parcel #; Lot, Block; Deed Book, Page, Recording Date) 14 2. STARTING & ENDING DATES OF LISTING CONTRACT (ALSO CALLED "TERM") 15 A. No Association of REALTORS® has set or recommended the term of this contract. By law, the length or term of a listing con- 16 tract may not exceed one year. Broker and Seller have discussed and agreed upon the length or term of this Contract. 17 B. Starting Date: This Contract starts when s' ned by Broker and Seller, unless otherwise stated here: _ 18 C. Ending Date: This Contract ends on =• ~ C, 19 3. DUAL AGENCY Seller agrees that Broker may also represent t e buyer(s) of the Property. The Broker i;s a DUAL AGENT when 20 representing both Seller and the buyer in the sale of a property. 21 4. DESIGNATED AGENCY 22 ®Not Applicable 23 ^ Applicable. Broker may designate licensees to represent the separate interests of Seller and the ~>uyer. Licensee (identified 24 above} is the Designated Agent, who will act exclusively as the Seller Agent. If Property is introduced to the buyer by a licensee 25 in the Company who is not representing the buyer, then that licensee is authorized to work on behalf of Seller. If Licensee is also 26 the Buyer's Agent, then Licensee is a DUAL AGENT. 27 5. BROKER'S FEE No Association of REALTORSOO has set or recommended the Broker's Fee. Broker and Seller have negotiated 28 the fee that Se11eI• will pay Broker. Broker's Fee is _~ % of the sales price AND $ 195.00 , paid by Seller. 29 6. COOPERATION WITH OTHER BROKERS ~ `'/~, ~ ~ ~~ ~j ~~ ~"'~ -~' 30 Licensee has explained Broker's company policies about cooperating with other brokers. Broker and Seller agree that Broker will pay 31 from Broker's Fee a fee to another broker who procures the buyer, is a member of a Multiple Listing Service (MLS), and who: 32 A. ^ represents Seller (SUBAGENT). Broker will pay - of/from the sale price. 33 B. ®represents the buyer (BUYER'S AGENT). Broker will pay ~ Z "/.~ - of/from the sale price. 34 A Buyer's Agent, even if compensated by Broker for Seller, will represent the interests of the buyer. 35 C. ^ does not represent either Seller or a buyer (TRANSACTION LICENSEE). 36 Broker will pay of/fi•om the sale price. 37 7. PAYMENT OF BROKER'S FEE 38 A. Seller will pay Broker's Fee if Property, or any ownership interest in it, is sold or exchanged during the term of this 3~ Contract by Broker, Broker's salespersons, Seller, or by any other person or broker, at the listed price or any price accept- 40 able to Seller. 4l B. Seller will pay Broker's Fee if a ready, willing, and able buyer is found by Broker or by anyone, including Seller. A willing buyer 42 is one who will pay the listed price or more for the Property, or one who has submitted an offer accepted by Seller. ~l3 C. Seller will pay Broker's Fee if negotiations that are pending at the Ending Date of this Contract result in a sale. 44 D. Seller will pay Broker's Fee for a sale~at occurs after the Ending Date of this Contract IF: ~1S (1) The sale occurs within ~ ~H~~~ of the Ending Date, AND 4< (2) The buyer was shown or negotiated to buy the Property during the term ofthis contract, AND ~? (3) The Property is not listed under an "exclusive right to sell contract" with another broker at the time of the sale. ~i`3 E. If a buyer signs an agreement of sale then refuses to buy the Property, or if a buyer is unable to buy the Propel-ty because of fail- 4 ~ ing to do all the things required of the buyer in the agreement of sale (buyer default), Seller ~~'ill pay Broker ~~ of'froin buyer's deposit monies, OR the Broker's Fee in Paragrap'„'~ 5, whichever is less. `1 F. If the Property or a:~y part of it is taken by any government for public use (En-linent Domain), Seller will pay Broker's Fee from ~' any money paid by the goverrunent. -` ~ G. If a sale occurs, Broi.er's Fee will be paid upon deliver;- of the deed or other evidence of transfer of title or interest. If the Prop°rt~,' ~~ is transferred by ar: installment contract, Broker's Fee will be paid upon the execution of the installment contract. ~5 _ Seller Initials: ~ XLS Page 1 of 4 Broker/Licensee Initials: ~ ~~ ~,.~ I Pennsylvania Association of REALTORS' COPYRIGHT PEN'\'S1"L~'ANIA .ASSOCIAT[ON Or REALTORS'H- ~ 07 RL'1?A\ Delta Group, Inc. 7S>9 Allento~ar. Blvd .Harrisburg, PA ]?112 Phone !717) 2, ~ - 30;10 202 Fax (7;7j %,5 - 225 Blank Forms Adlcr:Tetronis "; eam Procuced with ZipFormC by zipLogix 1807D Fi`,een t/~ile Road. Fraser, Michigan 48026 v,vaw z~pLoa'r~_r~m ANY CHANGES TO TtIIS PAGE iVIUST BI/ i~iIADE AND INI'TIALE~ SON EACI-'I COP`S' 5b 8. DUTIES OF BROKER AND SELLER 5 ~ A. Broker is acting as a Seller's Agert, as described in the Consumer Notice, to market the Property a~1d to negotiate with poten- ~8 tial buyers. Broker will use reasonable efforts to find a buyer for the Property. ~9 B. Seller will cooperate with Broker and assist in the sale of the Property as asked by Broker. 60 C. All showings, negotiations and discussions about the sale of the Property will be done by Broker on Seller's behalf. All written 61 or oral inquiries that Seller receives or learns about regarding the Property, regardless of the source, will be referred to Broker. 62 D. If the Property, or any part of it, is rented, Seller will give any leases to Broker before signing this Contract. If any leases are 63 oral, Seller will provide a written summary of the terms, including amount of rent, ending date, and Tenant's responsibilities. 6~1 E. Seller will not enter into or renew any leases during the term of this Contract without first giving notice to Broker. 6~ 9. BROKER'S SERVICE TO BUYER 66 Broker may provide services to a buyer for which Broker may accept a fee. Such services may include, but are not limited to: 67 deed/document preparation; ordering certifications required for closing; financial services; title transfer and preparation services; 68 ordering insurance, construction, repair, or inspection services. Broker will disclose to Seller if any fees a1•e to be paid by Buyer. 69 10. BROKER NOT RESPONSIBLE FOR DAMAGES 70 Seller agrees that Broker and Broker's salespersons are not responsible for any damage to the Property or any loss or theft of per- 71 sonar goods from the Property unless such damage, loss or theft is directly caused by Broker or Broker's salespersons. 72 11. DEPOSIT MONEY 73 A. Broker, or any person Seller and the buyer name in the agreement of sale, will keep all deposit monies paid by or for the buyer 7~ in an escrow account until the sale is completed or the agreement of sale is terminated. If held by Broker, this escrow account 75 will be held as required by real estate licensing laws and regulations. Seller agrees that the person keeping the deposit monies 76 may wait to deposit any uncashed check that is received as deposit money until Seller has accepted an offer. 77 B. If Seller joins Broker or Licensee in a lawsuit for the return of deposit monies, Seller will pay Brok:er's and Licensee's attor- 78 neys' fees and costs. 79 12.OTHER PROPERTIES 80 Seller agrees that Broker may list other properties for sale and that Broker may show other properties to prospective buyers. 81 13. CONFLICT OF INTEREST 82 A conflict of interest is when Broker or Licensee has a financial or personal interest where Broker or Licensee cannot put Seller's 83 interests before any other. If Broker, Licensee, or any of Broker's salespeople has a conflict of interest, E~roker will notify Seller in 84 a timely manner. 8~ 14. PUBLICATION OF SALE PRICE 86 Seller is aware that the Multiple Listing Service (MLS), newspapers, and other media may publish the final sale price of the 87 Property after settlement. 88 15. SELLER WILL REVEAL DEFECTS & ENVIRONMENTAL HAZARDS 89 A. Seller (including Sellers exempt from the Real Estate Seller Disclosure Law) will disclose all known material defects and/or 90 environmental hazards on a separate disclosure statement. A material defect is a problem or condition ghat: 91 (1) is a possible danger to those living on the Property, or 92 (2) has a significant, adverse effect on the value of the Property. 93 The fact that a structural element, system or subsystem is near, at or beyond the end of the normal useful life of such a struc- 94 tural element, system or subsystem is not by itself a material defect. 95 B. If Seller fails to disclose known material defects and/or environmental hazards: 96 (I) Seller will not hold Broker or Licensee responsible in any way; 9"1 (2) Seller will protect Broker and Licensee from any claims, lawsuits, and actions that result; 9s (3) Seller will pay all of Broker's and Licensee's costs that result. This includes attorneys' fees and court-ordered payments 99 or settlements (money Broker or Licensee pays to end a lawsuit or claim). 100 16. IF PROPERTY WAS BUILT BEFORE 1978 l0I The Residential Lead-L3ased Paint Hazard Reduction Act says that any seller of property built before 1978 must give the buyer an 102 EPA pamphlet titled Protect 3"our Family From Lead in Your Home .The seller also must tell the buyer and the broker what the sell- 1C3 er }Lows about lead-based paint and lead-based paint hazards that are in or on the property being sold. Seller must tell the buyer 1G=1 how the seller kno~~~~s tl.at lead-based pal?Zt and lead-based paint hazards are on the property, where the lead-based paint and lead- 10> based paint hazards are, the condition of the painted surfaces, and any other- information seller knows about lead-based paint and 1 G5 lead-based paint hazards on the propel-tti~. Any seller of a pre-1978 structure must also give the buyer any records and reports that IO? the seller has or can het about lead-based paint or lead-based paint hazards in or around the property being sold, the common areas. 10~ or other dwellings in rr,ulti-family housing. According to the Act, a seller must give a buyer IO days (unless seller and the buyer J li%~ agree to a di~ferent period of time) from the time an a~-reement of sale is signed to have a "risk-assessment" or irzspection for pos- t ~~` sible lead-based paint h~~ards done o?~ the property. Buyers may choose not to have the risk assessment or inspection for lead paint 111 hazards done. If the b~~~~er chooses not to have the assessment or inspection; the buyer must inform the seller in writing of t?-~e 1 12 choice. The Act does not require the seller to inspect for lead paint hazards or to con-ect lead paint hazards on the p1•operty. The Act 113 does not apply usir~ built in 1978 or later. - ~-~ Seller Initials: ~ BLS Page 2 of 4 Broker!Licensee Initials: ~) f~~1i~ Produced with Z~pForm~ 5y zipLogix 18070 Fifteen Mile Road, Fraser, Michigan 48026 wv~nnl ziaLoaix com ~31ank Forms ANY CHANiyES TO THIS PACE MUST IBL~' MADE AND INITIALED ~3N Et~.CI-I COPY 114 17. RECOVERY FUND 115 Pennsylvania has a Real Estate Recovery Fund (the Fund) to repay any person who has receivec(a final court ruling (civil 116 judgment) against a Pennsylvania real estate licensee because of fraud, misrepresentation, or deceit in a real estate transac- 117 tion. The Fund repays persons who have not been able to collect the judgment after trying all lawfizl ways to do so. For com- 118 piete details about the Fund, call (717) 783-3658, or (800) 822-2113 (within Pennsylvania) and (717) 783-4854 (outside 119 Pennsylvania). 12U 18. NOTICE TO PERSONS OFFERING TO SELL OR RENT HOUSING IN PENNSYLVANIA 121 Federal and state laws make it illegal for a seller, a broker, or anyone to use RACE, COLOR, RELIGION or RELIGIOUS 122 CREED, SEX, DISABILITY (physical or mental}, FAMILIAL STATUS (children under 18 years of age), AGE (40 or older), 123 NATIONAL ORIGIN, USE OR HANDLING/TRAINING OF SUPPORT OR GUIDE ANIMALS, or the FACT OF RELA- 124 TIONSHIP OR ASSOCIATION TO AN INDIVIDUAL KNOWN TO HAVE A DISABILITY as reasons for refusing to sell, 125 show, or rent properties, loan money, or set deposit amounts, or as reasons for any decision relating to the sale of property. 126 19. ADDITIONAL OFFERS 127 Unless prohibited by Seller, if Broker is asked by a buyer or cooperating broker about the existence of other offers on the 128 Property, Broker will reveal the existence of other offers and whether they were obtained by the Licensee identified in this 129 Contract, by another Licensee working with Broker, or by a cooperating Broker. ONCE SELLER ENTERS INTO AN 130 AGREEMENT OF SALE, BROKER IS NOT REQUIRED TO PRESENT OTHER OFFERS. 131 20. TRANSFER OF THIS CONTRACT 132 A. Broker will notify Seller immediately in writing if Broker transfers this Contract to another broker when: 133 (1) Broker stops doing business, OR 134 (2) Broker forms a new real estate business, OR 135 (3) Broker joins his business with another. 136 Seller agrees that Broker may transfer this Contract to another broker. Broker will notify Seller immediately in writing 137 when a transfer occurs or Broker will lose the right to transfer this Contract. Seller will follovv all requirements of this 134 Contract with the new broker. 139 B. Should Seller give or transfer the Property, or an ownership interest in it, to anyone during the term of this Contract, all 140 owners will follow the requirements of this Contract. 141 21. NO OTHER CONTRACTS 142 Seller will not enter into another listing contract with another broker that begins before the Ending Date of'this Contract. l43 22. ENTIRE CONTRACT 144 This Contract is the entire agreement between Broker and Seller. Any verbal or written agreements that were made before 145 are not part of this Contract. 146 23. CHANGES TO THIS CONTRACT 147 All changes to this Contract must be in writing and signed by Broker and Seller. 144 24. SPECIAL INSTRUCTIONS 149 The Office of the Attorney General has not pre-approved any special conditions or additional terms added by any parties. Any 150 special conditions or additional terms in this Contract must comply with. the Pennsylvania Plain Language Consumer 151 Contract Act. 152 25. COPYRIGHT 153 In consideration of Broker's efforts to market Seller's Property as stated in this Contract, Seller grants Broker anon-exclu- 154 slue, world-wide license the "License" to use an ~~ i ~~ ( ) y pote~~tially copyrightable materials (the Materials) which are related to 155 the Property and provided by Seller to Broker or Broker's representative(s). The Materials may include, but are not limited 156 to: photogz-aphs, images, video recordings, virtual tours, drawings, written descriptions, remarks, and pricing information 157 related to Seller's Property. This License permits Broker to submit the Materials to one or more multiple listing services, to 158 include the Materials in compilations of property listings, and to otherwise distt•ibute, publicly display, reproduce, publish and 159 produce derivative works from the Materials for any purpose that does not conflict with the express terms of this Contract. The 160 License may not be revoked by Seller and shall survive the ending of this Contract. Seller also grants F>roker the right to sub- 161 license to others ary of these rights granted to Broker by Seller. Seller represents and ~~~arrants to Broker that the Licer~e 16~ granted to Broker for the Materials does not violate or infi-inge upon the rigrits, includin ; any copyrights, ~f any person or 1 ~ ~ entit<~. Seller understaT~ds that the terms of the License do not grant Seller any legal right to any works that. Broker may pr~- 1~>`~ duce using the'Vlaterials. 16~ I6G 167 lrg 169 l 7 ii 171 Seller Initials: XLS Page 3 of 4 Broker/Licensee lnitials: ~~ `~,~ ProduceC with Ziarorm`^R, by zipLogix 18070 Fifteen Mife RoaC, Fraser, Michigan 48C26 www zipLogix com Blank Forms 17:_' 173 174 17~ 176 177 178 179 180 18i 182 183 18=1 185 186 I87 188 189 190 191 192 193 194 195 196 197 198 199 200 20] 202 203 204 205 206 207 208 209 210 21] 212 213 7_ l 4 215 216 217 2l8 21~ 22 221 ~~^ 26. MARKETING OF PROPERTY A. re permitted, Brok~_, at Broker's option, may use: ~ or sale sign old sign ^ Key in office ~ock box Print / lectronic advertising, including photographs Property address in print/electronic advertising. B. Broker will/ ^ will not use a Multiple Listing Service (MLS) to advertise the Property to other real estate brokers and salespersons. Seller agrees t at Broker, Licensee, and the MLS are not responsible for mistakes in the IV1LS and/or advertising of the Property. 27. ITEMS INCLUDED/NOT INCLUDED IN THE PRICE OF THE PROPERTY A. INCLUDED in the sale are all existing items permanently installed in the Property, free of liens, including plumbing; heating; lighting fixtures (including chandeliers and ceiling fans); water treatment systems; pool and spa equipment; garage door openers and transmitters; television antennas; unpotted shrubbery, plantings, and trees; any remaining heating; and cooking fuels stored on the Property at the time of settlement; sump pumps; storage sheds; mailboxes; wall to wall carpeting, existing window screens; storm windows and screen/storm doors; window covering hardware, shades and blinds; built-in air conditioners; built- in appliances~~a-nGd the range/oven, untless otherw(i~~e stated. A~o included: ^~ ~ _ C~ ' R i~-,~ :Q-''1c7-~~...~ I n1 ' ~ 1 ~T `i.,~~'~ ~lr~ -. r . ~ ~i G~ ~ _ --i-s, -w~..t'>-- .ti.~ B. LEASED items (not owned by seller): ' C. EX UDED fixtures and items: ~)~~ ~= t I •~ 1 S~-- ~i..L ~ ,~=,~'"~Z.r G ~~ z=~-v 4 ~ ~ ~.nn -~ _,>~ ADDITIONAL INFORMATION (OPTIONAL) TITLE & POSSESSION A. Seller will give possession of Property to a buyer at settlement, or on B. At settlement, Seller will give full rights of ownership (fee simple) to a buyer except as follows: (1) Mineral Rights Agreements: (2) Other: C. Seller has: ^ Mortgage with: Amount of balance $ Address: Phone: Acct. #: ^ Equity Loan with: Amount of balance $ Address: Phone: Acct. #: ^ Seller authorizes Broker to receive mortgage payoff and/or equity loan payoff information from lender(s;l. D. Seller has: ^ Judgments ^ Municipal Assessment ^ Past Due Taxes ^ Other: $ $ $ $_ E. If Seller, at any time on or since January 1, 1998, has been obligated to pay support under an order on record in any Pennsylvania county, list the county and the Domestic Relations Number or Docket Number: TAXES, UTILITIES, & ASSOCIATION FEES A. At settlement, Seller will pay one-half of the total Real Estate Transfer Taxes, unless otherwise stated :hel•e: B. Real Estate Property Tax Assessment $ Yearly Taxes $ Wage/Income Tax $ Per Capita Tax $ C. Estunated Utilities (trash, water, sewer, electric, gas, oil, etc.): D. Association Fees $ Include: __ BUY R FINANCING Selle w'll accept the following arrangements for buyer to pay for the Property: Cash Conventional mortgage F'HA mort aQe VA mort a e gb ,~ gg ^ Seller's help to buyer (if any): Seller leas read tl~e Consumer Notice as adopted by the State Real Estate Commission at 49 Pa. Code X35.336. Seller gives permission for Broker to send information about this transaction to the fax number(s) and/or e-mail adds~ess(es) listed belo~~. Seller has read the entire Contract before signing. All Sellers must sign this Contract. Return b_y facsimile (f'A?t) constitutes acceptance of this Contract. NOTICE BEFORE SIG's-1~tJ; IF SELLER HAS LEGAL QLESTIO?~'S, SELLER IS ADVISED TO CONSULT A^~ .ATTORNEY. SELLER'S 1~'I.AILING ADDRESS: PHONE: 223 SELLER _ ~ l~` 2?4 SELLER 225 BROI{ER (Company Name) 2?6 ACCEPTED BY E-A'IAIL: _ _ DAATE C~~ ~~ (C~ _ D.A TE _ _ n _... 7iLS Page 4 of 4 Produced v,•it~ ZipForm® by zipLogix 18070 Fi`!eer, Mile Read, Fraser, folichigan 48026 ~nvdw rpLogix com DATE ~ ' . ' -; l,C Blank Fonr,~ CONSUMER NOTICE ~Y TINS IS I~TOT A CONTRACT In an effort to enable consumers of real estate services to make informed decisions about the business r~°lationships they may have with real estate brokers and salespersons (licensees), the Real Estate Licensing and Registration Act (RELRA) requires that consumers be provided with this Notice at the initial interview. • Licensees may enter into the following agency relationships with consumers: Sellef• Agent As a seller agent the licensee and the licensee's company works exclusively for the seller/landlord. and must act in the seller's/landlord's best interest, including making a continuous and good faith effort to find abuyer/tenant. except while the property is subject to an existing agreement. All confidential information relayed by the seller/landlord must be kept confidential except that a licensee must reveal known material defects about the property. A subagent has the same duties and obligations as the seller agent. Buyer Agent As a buyer agent, the licensee and the licensee's company work exclusively for the buyer/tenant even if paid by the seller/landlord. The buyer agent must act in the buyer/tenant's best interest, including making a continuous and good faith effort to find a property for the buyer/tenant, except while the buyer is subject to an existing contract, and must keep all confidential information, other than known material defects about the property, confidential. Dual Agent As a dual agent, the licensee works for both the seller/landlord and the buyer/tenant. A dual agent may not take any action that is adverse or detrimental to either party but must disclose k~lown material defects about the property. A licensee must have the written consent of both parties before acting as a dual agent. Designated agent As a designated agent, the broker of the selected real estate company designates certain licensees within the company to act exclusively as the seller/landlord agent and other licensees within the company to act exclusively as the buyer/te~lant agent in the transaction. Because the broker supervises all of the licensees, the broker automatically serves as a dual agent. Each of the designated licensees ai-e 1-equired to act in the applicable capacity explained previously. Additionally, the broker has the duty to take reasonable steps to assure that confidential information is not disclosed within the company. • In addition, a licensee may serve as a Transaction Licensee. A transaction licensee provides real estate services without having any agency relationship with a consumer. Although transaction licensee has no duty of loyalty or confidentiality, atransaction licensee is prohibited ft~om disclosing that: • The seller u~i]1 accept a price less than the asking/listing price. • The bu~~er will pad a price greater than the price submitted in the written offer, and • The seller or b~.ver «~ill agree to financing terms other than those offered. Lilce Iicensees in a~el;:.v relationships, transaction licensees must disclose knov~n material defects abo>_a the propertti~. 12ros RF./MAC Delta Group, Inc. 7~3° Al?ento~~r, Bled., Harrisburg; PA 1711? Phone: (717) 243 - 3006 ~'02 Fax: (;'17j 245 - 2255 Adler/Petronis Team Blank Forms Prco.:ced with Z~pForm~ by zipLogix ' 8~'0 Fi`Ieer Mile Roar, Fraser, ~"ichiaar' 4BC25 ww~n~ zip' eg!x co!^ • Regardless of the jusiness relationship selected, all licensees owe consumers the duty to: • Exercise reasonable professional skill and care which meets the practice standards required by the RELRA. • Deal honestly and in good faith. • Present, as soon as practicable, all written offers, counteroffers, notices and communications to a:nd from the parties. This duty may be waived by the seller where the seller's property is under contract and the waiver is in v~rriting. • Comply with the Real Estate Seller Disclosure Law. • Account for escrow and deposit funds. • Disclose, as soon as practicable, all conflicts of interest and financial interests. • Provide assistance with document preparation and advise the consumer regarding compliance with laws pertaining to real estate transactions. • Advise the consumer to seek expert advice on matters about the transaction that are beyond the licensee's expertise. • Keep the consumer informed about the transaction and the tasks to be completed. • Disclose financial interest in a service, such as financial, title transfer and preparation services, insurance, construction, repair or inspection, at the time service is recommended or the first time the licensee learns that the sf:rvice will be used. • The following contractual terms are negotiable between the licensee and the consumer and must be addressed in an agreement/disclosure statement: • The duration of the licensee's employment, listing agreement or contract. • The licensee's fees or commission. • The scope of the licensee's activities or practices. • The broker's cooperation with and sharing of fees with other brokers. • All sales agreements must contain the property's zoning classification except where the property is zoned solely or primarily to permit single family dwellings. • The Real Estate Recovery Fund exists to reimburse any person who has obtained a final civil judgment against a Pennsylvania real estate licensee owing to fraud, misrepresentation, or deceit in a real estate transaction and who has been unable to collect the judgment after exhausting all legal and equitable remedies. For complete details about the Fund, call (717;) '783-3658. Before you disclose any financial information to a licensee, be advised that unless you select a business relationship by signing a written agreement, the licensee is NOT representing you. A business relationship is NOT presumed. ACKNOWLEDGMENT I acknowledge that I have received this disclosure. S ~o ~--~ 1N~n i ~co ~~ Date: ~o D (Consumer's Printed Name) (Consumer's . 'gnature) Date: (Consumer's Printed Name} (Consumer's Signature) I certify that I have pro~~ued this document to the above consumer during the initial interview. Dater ~ ~~~ ~ :~ ri-... n 1_ ~icensee's Printed Name) (Licensee's Signature) (License ~) Adopted by the State Real Estate Coi~aj~zission at 49 Pa. Code X35.336. Produced wi±h ZipFormT^^ by zip~ogix, 1870 Fifteen Mile Road, Fraser, M crigan 48~2~ wvdw zip! og x com Blall}C FO?''.':5 i • r • Regardless of the Business relationship selected, all licensees owe consumers the duty to: • Exercise reasonable professional skill and care which meets the practice standards required by the RELIZA. • Deal honestly and in good faith. • Present, as soon as practicable, all written offers, counteroffers, notices and communications to and from the parties. This duty may be waived by the seller where the seller's property is under contract and the waiver is in ,writing. • Comply with the Real Estate Seller Disclosure Law. • Account for escrow and deposit funds. • Disclose, as soon as practicable, all conflicts of interest and financial interests. • Provide assistance with document preparation and advise the consumer regarding compliance with laws pertaining to real estate transactions. • Advise the consumer to seek expert advice on matters about the transaction that are beyond the licensee's expertise. • Keep the consumer informed about the transaction and the tasks to be completed. • Disclose financial interest in a service, such as financial, title transfer and preparation services, insurance, construction, repair or inspection, at the time service is recommended or the first time the licensee learns that the :>ervice will be used. • The following contractual terms are negotiable between the licensee and the consumer and nlllst be addressed In an agreement/disclosure statement: • The duration of the licensee's employment, listing agreement or contract. • The licensee's fees or commission. • The scope of the licensee's activities or practices. • The broker's cooperation with and sharing of fees with other brokers. • All sales agreements must contain the property's zoning classification except where the property is zoned solely or primarily to permit single family dwellings. • The Real Estate Recovery Fund exists to reimburse any person who has obtained a fmal civil judgment: against a Pennsylvania real estate licensee owing to fraud, misrepresentation, or deceit in a real estate transaction and who has been unable to collect the judgment after exhausting all legal and equitable remedies. For complete details about the Fund, call (71'7) 783-3658. Before you disclose any financial information to a licensee, be advised that unless you select a business relationship by signing a written agreement, the licensee is NOT representing you. A business relationship is NOT presumed. ACKNOWLEDGMENT I acknowledge that I have received this disclosure. ) Date: (o D (Consumer's Printed Name) (Consumer's 'gnature) Date: (Consumer's Printed Name) (Consumer's Signature) I certify that I have provided this document to the above consumer during the initial interview. Date: - ~ ~ ~ ~ r~~, ~~ ~ ~..r ~ ~ ~ ~, L icensee's Printed Name) (Licensee's S gnature) (License #) Adopted by the State Real Estate Commission at 49 Pa. Code X35.336. Produced with ZipFormT"^ by zipLogix, 18070 Fifteen Mlle Road, Fraser, Michigan 48026 www.zipLogix.com Blank Forms „oor s~ :'r-'ce` --- NOT TC SE USED FCR MORTGAGE rINANCING PUR.PCSES . , Y APPRAISAL REPORT File #r 1z0o41o LAN® SUMMAR - anQ adequately supported, opiniod.af-the°matkef value of the subjectproperty:-. The purpose of this summary-appraisal [epo>fiis o prouidetheclientwfth'an accurate,.: State Pa ~:ip Coce 17007 City 8ciling Springs __ ----- Property ACdr ss Lot: Moter Lane -_ __ i Owner ,,° ~'bl,c Record Robert K. and Gor~s J. Whitcomb County Cumberland Borrower (i` aop cable) N/A --- _ __ Lecai Desc~ p''or See Attached Deed Copy from DB Z6-x PG 355 -- Tax ;ear 2010 R E Taxes $ '.,2(%1.00 (m!L) Assessor's gar,,; " 40-13-0126-006 _- _-- -- ------ ~ _ -- v1ap Pe'erence (40) i3-016-006 Tax Map t,ens;,~s Trac? Oi25 Nei hborhecc 'dame N/A __ ---- g --- ~ ~ ^~.o - aa~~r,nlr! C:`'~er (cescr be -- --- - P~oper'y n~gnts ~ooru.~e~ /~~' °~ ~'"'~ ~ -- "' - -- ~ T ird Sheet, Boiling Springs, Pa. llUUi ,od e~s 102 h Client Estate of Dcns ). Whitcomb . ,.,fJne=UnitHous'n °Trends..- '~~ .. ~ One-lJnitHousin `Present Land Use-% -Nei nborhood Characteristics - ^ y - AGE O^a Unit 65 '0 Locat.o^ ~~-'Urban ~~ Suburban '~' Rural ~~~ P~o~perty Values ~- acing ~C' Stable _ Deck i~g ' PRICE rs ? ~ ~ In~t 5 ^ ' Demand/Supply ~C Shortage !n Balance ~ Over Supply $ (CCC) (Y 1 __ _ Bu~it yc ;;ver ; 5~° ~'. 25-75% ^'~ Under c5 ~° _ - - Growth ~.ap d _ Stable X' Slow ~ Marketing Tlme - 'under 3 ~?"s ^_ 3-6 m['ns X; Over 6 mths ~ 65k ! ow 0 1rtu~U-Family 1 q° s, is bounden to the north 400k High IOC+ Ccm'nerc:al 10 °~o Neighb%rhood Eoundaries Subject is situated in the mountain, sough of Boiling Spring.. __ by Park Dr, tc the east by Whiskey Springs Rd; to the south by Sheet IronoRo~faRd~'ned prva`e (MC`±er) -Dad. There are aafew homes, but the area is man ly Neighbcr`?ocC Description Subject is situated in the South Mountain off a n = raw mountainous forest land, including the subject tract. Major roadways, employment, shopping, and schools are within reasonable driving distance. Electric _..... _~, __ a-,. ~...a ran*c nnlira nrntPdlOn are available. _ ~,,,, nlthniinfl ~~ ULIIILIC~ CJ nrci~ a~ ,,, ...., ... ----- r--- - Market Conditions (including support for the above conclusions) Employment, mtg rates,& inventories aver ~ _ interest rates are fluctuating and activity is slow, the market is (slow, but) stable. Appreciation has had no increase over the past two ye as much of a decline in values as in other parts of the nation. Marketing time for similar grope Sha e Irrebula p to 180 days or View Mop Dimensions See attached legal description in addenda section Area 7.50 acres (m/L) P 9 - SpecificZoning Classification WC Zoning Description Wildlife Conservation _ Zoning Compliance ~~ Legal ~' Legal Nonconforming (Grandfathered Use) ~ No Zoning I_ Illegal (describe) _- Isthe highes? and best use of the subject property as improved (or as proposed per plans and specifications) the present use? ~ Yes -'' No If Nc-describe -- _ i_......... ...,tom T~rno Puhlic Private Utilities Public Other (describe) Electricity ~_' !!^i Gas _~' Propane possible FEMA Special Flood Hazard Area? r! Yes i~ No Site Comments See Text Addendum Page.... Public Other (describe) ~rr-~~r° ""~'~•~"'~""' '~~- --- - Water 'None Street Dirt/Gravel --_- ~_ Sanitary Sewer I ~~' None Alley None _-_- ~ -~ FEMA Map Date 03/16/2009 FEMA Flood Zone x FEMA Map # 42041C 0263E ___ COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 FEATURE !, SUBJECT RdJ#14-04-0381- Lot: Beetem Hollow Rd/#31-13-0112-299 ~ 40-14-0140-032A T h g Address Lot: Molter Lane/#40-13-0126-006 1 I Lot 239 Old 17015 Pa Carl sle, own 234 -- 17 Newville, Pa. 17241 ~ Pa (Gardners Boiling Springs, Pa 17007 .. ., , Proximity to Subject `• .. . , 2.37 MI 19 64 MI , $ 23,000 $ 42 235 _ 12.88 MI `;" ' $ 20, Sales Price I $N/A Pri ce !Acre $ N/A . , i $ 3846.15 $ 5000.00 -_- $3216 68 ~ 'CCCH Assessment CCCH Assessment Data Source(s) ' ` CPML &CCCH Assessment , CCCH Mapping CCCH Mapping /Previous Inspection CCCH Mapping _ Verification Source(s) I $ Adjustment j DESCRIPTION i ~(-) $ Adjustment it DESCRIPTION +(-) ~ Adjust DESCRIPTION I -(-) VALUE ADJUSTMENTS ~ DESCRIPTION iNot Published Not Published d ~ ~ Sales or Financing ~ -- Not Publishe i ( (Unknown I ~ Unknown ' ,,~ ~ , Concessions ~a ~°~ ~ ~ Unknown I ', 08/26/2010 ;08/04/2010 ~ 05/21/2010 Date of Sale/Time ~ Location I Rural Mountain (Rural Mountain iRural Mountain~ Rural Mountain ~ 98 acres (m/L) 380014.00 acres (m/L) -14075 5 Site Area 7.50 acres (m/L) . ;13.13 acres (m/L) i Private gravel road Private dirt,rgravel road i Access Private gravel road !Private gravel road None Known i --- 250' Elec ' Utilities on Site i Elec . ~ None Known ~ 5001 None Known ' S00~ None Known Outbuildin s iShed/Open Pole jNone Knownl~ _ 'i$ _133251 R' + r- - I$ 4300 ~ +- ~'_ ~$ ~ Net Adjustment (Total) ~ ~ - I Net Adj. °i~! I i Net Adj. °~I ~ - ~ 'Indicated Value r ~ _ ' ' ~~ ~ ` ° :. Net Adj. Gross Adj. %,$ 28910', Gross Adj. °~I$ 273001 Gross Adj.-_ %;$ . .r :. ~ , of Subject -~- ' s or transfers of the subject property for the three years prior to the effective date of this appraisal. l i o My research ~! did ~(! did not reveal any pr r sa e - Data Source(s) CCCH Assessment Records s or transfers of the comparables sales for the year prior to the date of sale of the comparable sale- l i My research ~ did ~ did not reveal any pr e or sa Da[a Source(s) CCCH Assessment Records COMPARABLE SALE # 1 i COMPAR,46LE SALE # 2 COMPARABLE SALE yi ITEM i S UBJECT '08/28/2009 ;Unpublished/None Recorded 103/08/_1982 Date of Prior Sale/Transfer ~ 11/26/1976 7 000.00 ;Unpublished ~ - Price o` Prior Sale/Transfer ' $8,500.00 - !$88,885.00 (CCCH Assessment Records !CCCH Assessment RecordsCCCH Assessment Recorc Data Source(s) 'CCCH Assess ment Records 12/14/2010 12/14j2010 ,12/14/2010 -- Effective Date of Data Source(s)' 12/02/2010 d has not been listed for sale within the last 12 months t Anatys~s o' anion sale cr transfer histe_v of the s ubject property and comparable Sales Subject is not, an and have not been resiold since then to the above t Subject e wled k ' . es and comparables last transferred ownership on the Da . g no s best of the appraiser the appraiser's knowledge. Summa^; c` Sales Compar;sor~ Approach See Text Addendum Page.... =anal Reconciliation See ""rinai Reconciliation" on Text Addendum pa s aporaisa~~ 's made ~, "as ~~s'~. _i subject [o the foltowi but I haven't see Based on the defined scope of work, statement of assumptions and limiting conditions, and appraiser's certification, my (our) opinion of the market value, as detinr real property that is the subject of this report is $ 29,000.00 as of December 3, 2010 ,which is the date of inspection and the efleciive date of this ~~~Q~ Form produced by United Systems SotRvare Company (800) 969-8727 www.unitedsystems.com Property Address: Lot: Molter Lane Boiling Springs, Pa 17007 Prepared For: Estate of Doris ). Whitcomb 102 Third Street Boiling Springs, Pa. 17007 Prepared As Of: December 3, 2010 Prepared By: G. Arthur Calaman B-H Agenry Appraisal Services 163 N. Hanover Street Carlisle, f'a. 17013 The purpose of this Appraisal is to Establish "Market Value" ONLY: NOT to be used for Mortgage Financing Appraised 'Value for the Subiect Property: 529,000.00 Form produced by United Systems SotM~a~e Company (800) 969-8r'2' vwr;w uniteds~~siems com B-H Agency Appraisal Services 163 N. Hanover Street Carlisle, Pa. 17013 (717) 243-1000 Ext. 216 Date :December 17, 2010 Client :Estate of Doris J. Whitcomb Scott S. Whitcomb, Executor In accordance with your request, I have inspected, as per your instructions, and appraised the subject property located on: Molter Lane, Parcel #40-13-0126-006, Boiling Springs, Cumberland County, Pa. 17007 As per your instructions, the purpose of this appraisal was to determine "Market Value" in unencumbered fee simple title of ownership, and was done in compliance with and as defined by "USPAP" and the Appraisal Standards Board. This report in it's entirety is intended and valid only for the intended use of the Client named in this report, and is invalid if photocopied or electronically transmitted, whether in part or in whole by anyone other than the Client or the State Certified Real Estate Appraiser(s) named in this report. It is intended solely for the Client, other possible Intended Users as to be determined by the Client, and shall not be used by anyone other than the Client without the prior written consent of the Client, and the State Certified Real Estate Appraiser(s) conducting the appraisal process. Note :This is a Summary Appraisal Report, and contains 9 pages (plus attachments or addenda as necessary), and any single page is invalid if detached or used separately from the entire report as originally submitted. This report was conducted and prepared with the utmost care and confidentiality, and was established with no pre-deterrriined opinion of value on the part of the appraiser(s). Thank you for ch©osing B-H Agency Appraisal Services ~; '~. l~ ~!' FI / v Art Calaman Pa. Certified Residential Appraiser Farm produced by United Systems Sotnvare Compan~~ (800? 909-8?~7 wwvr urit~dsystems cem ---- _ . - PJCTTQ BE'.;SED FCR y1CP~.GAGE =i`!,~'~C:NG PURPOSES -- - -----------_- 1 a1-If1 CIIMMAa`V ~ooow~cw~ nrs~r.~ __ ~`-per of ~~al~-~,:t~~~ie,tf~rith ajracwiat~, at~~a~et~ct~ d~ii~ ~ ~i`rir8ti>~ tit>#~e~su~ct A~P~7f~ 1 P'op~~~y aadress '_ot: Motter Lane C~v Soiling Springs Sia'e Pa ~iC Cooe 17007 crrowe~ ;if aGpi cable) N/A __ ~' ^ ~t ~ r ~,-r~rd Robert K. and Doris J. Whitcomb C~.:nty Cumberiard Legal Des~-:o;ion See Attached Deed Copy from DB 25-X PG 355 - - --- --- ---- ---_--- ------- .. ~~Sc~at,'~ ~arcP 40-13-0126-006 - ------------------- ax~ U 00 ; mrL~i - - ----- -- -- -- _ ~ ~ , 2 . Neig^b~~ncoc ^~ar^~e N/A . _v , _ erce (40) ~ 3-01.26-0G6 Tax Map Le s-_ rar,~ 0'_Z5 Prooe~ty R grits Ae~ra~sed X Fee S!mcie ~ea ~ ; - ~, - i;; _ _ _. --- ----------------- --- -----------; se c a .,,r ;~e~ -? ien! Estate of Ucris J. Whitcomb ?,;~ ~s~ X02 -^irc Street. Boiling Springs, Pa. 1?C07 ~' rat; ~ . ` ' - i~ _ ~=~1~`1~OtISI P[e~~L~r3 t~;96- Locatior ;rna _ Suburban X Rura ° ~pery ~'a~~esr ~c eas~rg X Stao~e Jec~iring_ PRICE AGE _ C e -,;nit 65 Bwit-uo Cve c ;o X 25-75% '-' Urdu 25'5 Demarc Succ'y X ~-cr,aye ~ Eaa~ ~ ~ O~rer Suppy 3 (r,C.p; rs ~ a ~r ;: 5 ';~ G owir Rao~~ _ Stable x Slow Marker g r:~e ,rice ~; ~-6:~i~~ X per 6 mt~s ~ b5k rw 0 `~~ ~ ur^ ~~ , ' _ _ hJeignbo~hooc Bcu anes_Sublect ~s situated m the mountain, south of Bo{hny Scrirgs,'s bounded to the ncrth 400k il~i 100 ~c a 10 ,5-~ _ by ParR Dr; `o ~:'.e east by'Nhiskey Springs Rd; to the south by Sheet iron Rcof Rd; to the west by Rt. 34 1 60-200 ~ ?~ 60-- ~`re. ,9 ?; I __ _ _ ~' Neigrbcrrcoa DFsrription Subject is situated in the South Mountain off a ncn_ma~ntained private (Motter) road. There are a few homes, ~~t the area is mainly raw mountainous. forest land, including the subject trail. Major roadways, employment, shopping, and schools are within reasonable driving distance• Electric _ Utilities as well a_s fire and state police protection are available. --- Market Conditions (inducing support for the above conclusions) Employment, mtg rates,& inventories have remained fairly stable in the area, ao d although _ _ interest rates are fluctuating and activity is slow, the market is {slow, but) stable. Appreciation has had no increase over the past two years, but I haven't seen as much of a decline in values as in other parts of the nation. Marketing time for similar properties could be up to 180 days or more. Dimensions See attached legal description in addenda section Area 7.50 acres (m/L) Shape Irregular View Moun_tain_ous/Wooded Specific Zoning Ciassificaiien WC Zoning Description Wildlife Conservation Zoning Compliance ~(; Legal i[ Legal Nonconforming (Grandfathered Use) [ No Zoning Illegal (describe) Is the highest and best use of the subject preperty as improved (or as proposed per plans and specifications) fhe present use? 5C Yes No If Ne. describE; Utilities Public_ Other (describe) Public Other (describe) Off-site Improvements -Type Public Private Electricity `~ ~; Water None Street Dirt/Gravel - X Gas ; ;X!, Propane possible Sanitary Sewer ~ None ,Alley None -- FEMA Special Flood Hazard Area? ,_ Yes 'X No FEMA Flood Zone X FEMA Map # 42041C OZ63E FEMA Map Date 03;16/2009 Site Comments See Text Addendum Page.... -- FEATURE SUBJECT COMPARABLE SALE # 1 ~ COMPARABLE SALE # 2 ~ COMPARABLE. SA'_E # 3 Address Lot: Motter Lane/#40-13-0126-006 iLot: 239 Old Town Rd/#40-14-0140-032A Lot: Beetem Hollow Rd/#31-13-0112-299,Lot: Waggoners Gap Rd/#14-04-0381-095 Boiling Springs, Pa 17007 'Gardners, Pa. 17234 ~~Newville, Pa. 17241 _ Carlisle, Pa. 17015_____ Proximity to Subject- 2.37 MI ~ 9.64 MI ~~ 12.88 MI Sales Price __ ~ $N/A Price /Acre __ ' $ N/A Data Source(s) , : _ ~ __ °_ ,~ $ 42,235 $ 23,000 _~ 20,000 i $3216.68 ~ $ 3846.15 ~ $ 5000.00 __ CPML &CCCH Assessment 'CCCH Assessment 'CCCH Assessment Verification Source(s) '~ ;a . " CCCH Ma --- pping /Previous Inspection CCCH Mapping CCCH Mapping VALUE ADJUSTMENTS ;CESCRIPTION ~ _ DESCRIPTION -(-)$Adjustment DESCRIPTION ', -(-)SAdjustment' DESCRIPTIONT(-)sAdjustment Sales or Financing Concessions ~ ~ _ ~ ~~y ~.~ ; ~' r' Not Published !Not Published Not Published ~ Unknown !Unknown 'U k Date of Sale/Time _ ~ ~ n nown _ 05/21/2010 ' 08/26/2010 I 108/04/2010 ' Location -- I __ __ Rural Mountain i Rural Mountain I 'Rural Mountain ' Rural Mountain . Sife Area -_ ~ ± _ __ 7.50 acres (m/L) 13.13 acres (m/L) -14075 5 98 acres (m/L) ~ 3800 4.00 acres (m/L) I 8750 ' _ __ _ Access _ Private gravel road ,Private gravel road Private gravel road ~ Private dirt/gravel road; _ __ Utilities on Site Elec. None Known 250 Elec. None Known 250 __ Outbuildings Shed/Open Pole !,None Known 500 None Known 500 None Known ~ 500 _ Net Adjustment (Total) ~ ~ ~< '~ + _ ----- ~ ~ !~ - ~$ -13325, [_- T$ 9500 Indicated Value ~` ~~~~~ R -Net Ad' q°, ~~ + - [~ ° $ 4300', ~ + _ -_ F3a ~~, 1 ~ Net Adj. /o ;Net Adj. %i - of Subject z , - , ;, . 7` Gross Adj. %i$ 28910' Gross Adj. ~° $ 27300 Grass Adj. °r~~ $ 29500 _ My research [ d.d X did not reveal any prior sales or transfers of the subject property for the three years prior to fhe effective date of this appraisal. Data Source(s) CCCH Assessment Records --- _ My research [! did _~ did not reveal any prior sales or transfers of the comparables sales for the year prior io the date of sale of the comparable sale. Data Source(s) CCCH Assessment Records ----- ITEM ' SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Date of Prior SaierTransfer ;11/26/1976 .08/28/2009 :Unpublished/None Recorded 103/08/1982 _ Price of Pror Sale,!'rarsfer $8,500.00 $88,885.00 'Unpublished $7,000.00 Data Source(s) _ CCCH Assessment Records .CCCH Assessment Records ,CCCH Assessment Records CCCH Assessment Records Effective Date o' Dzta Sourcers) 12/OZ/2010 12/14/2010 ',12/14/2010 .12/14/2010 Analysis o` c~io~ szie or transfer history of the scbjecf property and comparable sales Subject is not, and has not been listed for sale within the last a2 months to the best of the appraiser's knowledge. Subject and comparables last transferred ownership on the dates above, and have not been resold since then tc the best of ' - the appraiser s knovrledge. -- ----- Summary cSales Comoarisoo Approac~ See Text Addendum Page.... ------- =ina! Reconciiiaior See "Final Reconciliation" on Text Addendum page... - This appraisa' ~s made ~ "as Is' subject to the following --- - Based on the defined scope of work. statement of assumptions and limiting conditions, and appraiser's certification, my (our) opinion of the market value. as defined, of the real property that is the subject of this report is $ 29,000.00 . as of December 3, 2010 .which is the date of inspection and the effective date of this appraisal. r~~~~ - -- -- - r~~~~~ ~w°uceu uy unneo aysrems ~orrware t,ompany (tluu)'Jby-6'2I www~-unitetlsystems coin (Rev O6/OBI LAND SUMMARY APPRAISAL REPORT File # ~zoo4~0 SCOPE OF WORK the Since :,` 'ycrk is :he ryoe and extent of ~esearch and analyses perfcm~,ed .n an appraisal assignment that is required to produce credible ass ~~nnlent resits. ~IVef ~~? ~a[:J'° ~j '`,~d appraisal JrCCl2m. ;he SpOCi11G regUlfP,,;~~nIS of ~.'~t i'ItZ 1LC~ US?:jSl ~`~0 ~h? ir~,e~~Lc'C l;Se ~~f file appralSa~ re00rt. RelianCE' 'JpOn 'hIS 'eGOrt. r2ga~ iss ~' n~.-; acquired. b~./ any party pr `er anv ~~~~se. pt;per than those spec ~;eb ~n'his report by the app~ai~e~. s proh~~bited. Tie Bpi^,r.~ c' `i;i''.e that is the con. ~ s~c~ ci .` ,_ repo' is aed~ble ~cniv within the context of the ~ccpe ~` ~Nork. cfi`eciive Da,e ~e Gate ~~t ~u~pert. the ~rfended ~se~'° ~e ir-...;EO ;,se the Stated ~~SUr'~,r,i ~nS and L!mG^~ ~0?d'ti0nS any HVpOi'?0!IC21 ~Ondlti0nS andi0r `_XLr~Or0lna(V,ASSUrrlpt!OnS. and ;he Type Of '~J:icE. aS CO iie~ her?I'~ he appra~9r. 3Cprai~ai ?' aRd re'ated par"eS aSSUme n0 OD!igati0n. iiablitV, Or aCt;00i`.cbl!IIV. anC'Ni !1St'Se reS~~nSI^i? .Or anV url.Lthr~r,~°0 '„_~ ~1 t~:,", .OOCrt Or itS ~Cf'~C'US~S~~S Additional Comments (Scope of Work, Extraordinary Assumptions, Hypothetical Conditions, etc.: A physical inspection of the subject property was made and although due diligence was exerased, the appraiser has done a limited visual inspe::aon of the property looking for obvious conditions, and for the purpose of determining an opinion of value; no inspection of any crawl space {if present), or into hidden or concealed areas was made. The appraiser does not test heating or eledrica! system. The appraser does a limited visual inspecticn of the rocFng from the grcund, and is not quah`ed to ascertain condition of same. The purpose of an appraisal ~nspeaicn is to ascertain location, size of Improvements, physical characteristics and general conditions of the property. Also see text addendum page for conditions of appraisal. Seller concessions are relatively common in this marketplace, normally in the form of Buyer closing costs assistance. It has become more <3nd more common to see closing cost assistance on an agreement of sale, but usually not exceeding the allowable guidelines of up to 6%. These concession<s affed seller net, but do not necessarily have any effect on the actual sale prices. No adjustment is normally made if the assistance falls within these parameters. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS • The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of it being under responsible ownership. • The appraiser may have provided a plat and/or parcel map in the appraisal report to assist the reader in visualizing the lot size, shape, and/or orientation. The appraiser has not made a survey of the subject property. • If so indicated, the appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor.. he or she makes no guarantees, express or implied, regarding this determination. • The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to tlo so have been made beforehand, or as otherwise required by law. • The appraiser has noted in the appraisal report any adverse conditions (including, but not limited to, 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, but not limited to. the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable. and has assumed chat 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 fo discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment of The property. • The appraiser obtained the iniormation_ estimates. and opinions that were e?;pressed ir, the appraisal report from sources that he or she considers tc be reliable and believes from fe be. true and correct. The appraiser does not assume responsibility for the a;.curacy of such items that were furnished by other parties. • The appraiser will not disclose the contents of the appraisal report except as provided for in the Unrform Standards of Professional .Appraisal Practice. and any applicable federal, state or 'local laws. • An appraiser's client is the parry (or parties? who angage an appraiser in a specific assignment Any ocher party acquiring this report from the client ,does not become z party to The appraiser-client relationship. Anp persons receiving this appraisal report because of disclosure requirements applicable tc the appraiser's OIIenI d0 no; become intended USerS Ot this repOri unless SpeClil0all4 Ipenhlled by the Client at the Ume Of the asSlgnment. • The appraisers written consent and approval must oe obtained before this appraisal report can be cpnveyeri by anyone to the public. thracgh advertising. public r?lations. nev/s. sales, or by means pf any oche, media. or by its inclusion it a pri~~ate or public database. • An appraisa'. pf real property is not a 'Home inspection' and should not be cp,~strued as such. As part of the valuation process. the appraiser perforr-;s a non-invasive visual inventory that is not intended to reveal defects or detrimental conditions that are not readily apparent. The presence of such cpr;bitions or defects could adversely affect the appraiser's opinion of value. Clients with concerns about such potential negative factors are encouraged tc engage the appropriate type of expert to investigate. Form produced oy United Systems Software Comcany (80p' 969-&727 vw;w~ unitedsystems coin ;Rev Oo;'06; LAND SUMMARY APPRAISAL REPORT Fue # ~2ooG1o DEFINITION OF MARKET VALUE* ' '~:1ark~t ~dl ? ~ G the most probable prce which a property should bring m a comp~tiiive aid open market ;.'rder all conditions requisite to a t..r sale. ;he Buyer and PI Pr ~a ~ ng ,;rudently ana kn,,NlPdgeabiy, and a<;suming the pricy a not a~fe~ e `.y undue ~t muius. Ir;plicit ~n this ce`!n~(icn Is the ;,~~ns.,r~rr~aticn :~f a Sal9 OS ~` d 'r.,t, 1 ~„ ..ate and the pa551 ~ cf title from Selef t0 `vuye( Unde l,GndiPOnS 'vne;?DV: • RUVer anC ~~ ;'° `,VOiCa:!V mCt!vat~'~: ~ • E~ par es ~~ a~e~~ infcrmed or n~'ei! advised and acting in r;,~at they consid r tl'zir own Ges( r.terests • ?, fe3°~"cbi~'!i??= w a110'wed fuf X^^~,,,. ir' ;he open market; i • =3~-nent 's ~~~e .r. rms of gash in ~ ~coilars or '~n terms of `inanc~af arranger gents ccmparabie thereto: and • The ,,rice rep esents ~.he normal cons d~ra;ien for the property soil unaffected by speaal or creative `i!~ar~~cing or - sales cor,cess~~ens granted by anyone associated with the sale. *T;,i~ de'r,tcn ~a `rem ~zgu;ations published by ederal regulatory agenc~~~es pursuan[ to title XI of t`re F~nanniai ,rsUtuiions Reform. Recovery and E ` rcement - act (F~RRt .. c~ "5~9 between ~Liy ;,. ?99C. and August 24, 1990, by the Federal Reserve System (FRSi Nationa~i Credit Union Administrauen ("~C~iAI -~ eras Cepcsit Ins-race ~Corpcration ~=DIC1, the Office or'hnft Supervision i,CTS), and the Office of Comctrpller of the Curency IOCC) This ~~er;ni,~on a also•efcrenced I in regulatlcns jo~~ntly puclished by the GCO. OTS. ~ RS, ar.d FDIC on June 7, 1954, and in the interagency Appraisal and Evaluation Ouieelines. dated ucfober 2r , 1594. APPRAISER'S CERTIFICATION - I certify that, to the best of my knowledge and belief: • The statements of fact contained in this report are true and correct. • The credibility of this report, for the stated use by the stated user(s). of the reported analyses, opinions. and conclusions are limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. • I have no present or prospective interest in the property that is the subject of this report and no personal interest with respect to the parties invclved. • I have no bias with respect to the property that is the subject of this report or io the parties involved with this assignment. • My engagement in this assignment was not contingent upon developing or reporting predetermined results. • My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result. or the occurrence of a subsequent event directly related to the intended use of this appraisal. • My analyses. opinions, and conclusions were developed. and this report has been prepared, in conformity with the Uniform Standards of Professions'' Appraisal Practice that were in effect at the time this report was prepared. • I did not base, either partially or completely, my analysis and/or the opinion of value in the appraisal report on the race. color. religion. sex, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property, or of the present owners or occupants of the prcpE;rties in the vicinity of the subject property. • Unless otherwise indicated. I have made a personal inspection of the property that is the subject of this report. • Unless otherwise indicated, no one provided significant real property appraisal assistance to the person(s) signing this certification. Additional Certifications: APPRAISER ~-- - ~~ ~: !~ ~% Signature _ " ;~ ~- Name G. Arthur Cafaman Company Name B-H Agency ppraisai Services Company Address 163 N. Hanover Street _ Carlisle, Pa 17013 T°12phone Number (Ill) 243-1000 ext. Z16 Email Address bhappraisal@comcast,net Dale of Signature and Report 12/i7i201o State Certifica:~or # RL-139418 or State License ~ _ State Pa Expiration Cate of Certification or License 06/30/2011 Subject Inspection X. Did Inspect -_ Did Not Inspect Inspection Date December 3, 2010 SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name Company Address -------- Teiephcne Number Email Address Date of Signature State Certification # c~ Stoic License # --- --- ~~ato - ----- Expiration Date of Certification. cr License Subject Inspection -- Did Inspect Did Not inspecd Inspection Date ;arm produced Cy United Systems Software Companp (800; 95~-8'~7 v,hvH unnedsystems com (Rev 06,08) :C _ „ Borr,~~r~r~ ;:F,; ^d;A A±r~~s~ Lot: Mot':er Lare C.f/ BoW .g-Springs Le,L~r; ~;i~;r.f Fsta~•~ of Doris J. Whitcomb TEXT ADDENDUtN - - ---- - --- -- ----- - --- -- -- '~ i1 i f ^i 0. ~~'`Ii A v'~JiI;V Cun~ber'and-------- - J~z? Pa -- "p i' La i'~C'-'-- SITE COMMENTS: Site has been used over the years for hunting refuge. Terrain is rolLng aril sloping, rocky mountain ground. There s no well and ne septic system or. the property, no public water; sewer close to the subject trail or expelled in the near future. Due to the nature of the site, it is unknown if acceptable pert for septic weuid be possible. There is a small T-111 wood studded frame building ir, fair condition at best, which is studded only inside, wood f;oor, and no ~nteho• finish of any type other than painted inside of T-lli wood and studs, ar,d a wood partial partition wall at the wccdsrove; pieces of metal are propped against tre wall I suppose to shelter weed against neat from the stove. 60 A electric is present for lights, and there is a small very old wood stove, conditionjsafety of N;nich s unKrown. Bldg has a shingle roof ~.vith signs of water leakage. There is also a homemade pole type storage bldg m poor condition with dirt floor which is in poer cendition. It is the opinion of this appraiser that value for the structures ~s very little if any, and value for the property is in the land. Unfortunately, cue to the type of raw mountainous land that it is, with no public township maintained road, no water/septic, and no proof that well and septic would be possible, acreage value is minimal. Status of Motter Lane as to Public or Private, non-township maintenance, was verified by "Jamie" at the South Middleton Municipal Authority office. Summary of Sales Comparison Approach: The comparable properties used in this analysis are in my opinion the very best available at the present, and having been sold within the most recent months. Appraiser searched County Records as well as Multi-List. Although sales of flat and level building lots were found, few of similar characteristics l:o the subject were found. All comparable sites are relative in proximity, within the same general Greater Carlisle marketplace, and very similar in nature, style, size, etc. All are on or off of shared or private right of way type access roads, whether or not any are recorded is not known to the appraiser. Plot Plans for each were obtained and are in the appraiser's file; due to the size and coloration of each they could not be copied into the report; each was obtained from CCCH Tax Mapping office, and may be viewed there as well. Adjustments have been made to compensate for differences in the comparables where necessary. Due to the type of mountainous rolling, sloping, etc. terrain and the unknown possibility factors of well, septic and residential building improvements, a modest $2,500 p/acre or fraction thereof was used to calculate not the overall acreage of the situs, but the difference in situs for each comparable. No adjustment was made for date of sale as all are recent sales of within the last seven months. Dates of sale in the grid section are from County Records not MIS. PERSONAL PROPERTY AS OPPOSED TO REAL ESTATE: Generally movable items, whether included in the sale price or not; that is, those not permanently affixed to and/or a part of the Real Estate. Generally, but with exceptions, items remain personal property if they could be removed without injury to either the real estate or to the item itself. DEFINITIONS AND DATA SOURCES: EXPOSURE TIME: For the appraised property, the exposure time, based on the experiences of other similar properties in the same or simila~ neighborhoods is estimated to be at three to six months. Exposure time is backward looking, where there is historical data available that provides a reasonable indication of the amount of time that would have been involved to market the subject property being analyzed, and obtain a sale as of the effective date of the appraisal. This data has been considered and used in this estimate. MARKET TIME: Marketing time on the other hand is forward looking, and is expressed as an estimate (projection) of the time that would be required to market the subject property and obtain a sale. In this context, it should be noted that I have adhered to the definition of "Marketing Time" as put forth by the "Appraisal Standards Board" and included in this report. This definition advises that marketing time does not begin until two things take place: (1) an offering of the property at a price that marketing participants find acceptable, and (2) an effective marketing plan is implemented. SCOPE (EXTENT) OF APPRAISAL: In the preparation of this appraisal, I have made a physical inspection of the site and the improvements (if any). I have traveled the neighborhood and if necessary, made appropriate observations or notes. Data sources employed in addition were the zoning map or officer, the recorded deed or legal description, the tax assessment parcel records, local multi-list records, and the FEMA maps for the location, if required. Consideration has been given to the highest and best use of the property, and all three approaches to value, with application to those most relevant and applicable to the valuation of the subject. Data referring to Predominant Occupancy, Single Family Age and Pricing; Present Land Use and Changes are reflecting statistics for township/borough/general area, not for precise subject neighborhood. Other aspects of research and analyses relating to the Scope of Work performed as to the development of the assignment, and results and conclusions of this report, are found and disclosed in other sections throughout. CCCH &CPML are acronyms for the Cumberland County Court House and Central Penn Multi-List respectively. These were the primary sources used to secure property data. In addition, already verified information and data from my own files was used if needed, and where appropriate. All information developed was independently verified where public sources did not provide needed verification. I may have contacted listing or sale agents or other parties to the transactions, if I felt it necessary to verify data listed in CPML, as well as any suspected unordinary seller concessions. In the valuation process, all appropriate value approaches, or their exclusions are mentioned in appropriate sections of the report. CONDITIONS OF APPRAISAL (DISCLOSURE): The appraiser(s) is unable to know or verify, and in most instances unqualified to determine or verify any insulation or "R" factor; also the presence of urea formaldehyde foam insulation (UFFI), any wood infestation or causes thereof, any lead based paint, any type of mold or mildew, any asbestos, the presence or amount of any radon, polyclorinated biphenyls (PCB's), chlorofluorcarbons (GEC's), leaking storage tanks (above or below ground), and soil contaminates or any type of contamination. The quality of any drinking water cannot be tested or verified by the appraiser(s). The appraiser(s) has no expertise ar~d is unqualifed to make any assumptions, statements, or warranties as to the condition of any on or off site septic/sewage system if present. The appraiser(s) is not qualified to test for any contaminates in, on, or around the property, and can make no assumption as to whether or not they are present. It is to be noted however, that if any of the afore mentioned items are present, the market value could be adversely affected or violated. The appraiser(s) has made every effort to look, notice and document if observed, any apparent or unusual appearing circumstance in, on or around the property at the time of the inspection process. Line adjustments are not market extracted values due to lack and inconsistency of adequate market data, and therefore are subjective in nature. FINAL RECONCILIATION: This report is a Summary Appraisal Report. In the opinion of the appraiser(s), the "Sales Comparison Analysis" represents the best indication of` market value for the subject, as def ned in the "Statement of Limiting Conditions" contained in this report. This approach to value was given the strongest considerjtion in estimating the subject's market value as of the date of the appraisal. The "Income Approach to Value" and The "Cost Approach" were not considered, as they are not appropriate to a land appraisal. PRIVACY NOTICE: Pursuant to the Gramm-Leach-Biliey A~ of 1999, effective July 1, 2001, appraisers and all providers of personal finandal services are now required by federal law to inform their clients of policies with regard to the privacy of client nonpublic personal information. Ln the course of resew ch for this appraisal, we may collect what is known as "nonpublic personal information." This reformation is used to facilitate the service that we provide, and may include information provided tc us by you, or indirectly provided to us from others with your authorization. We do not disclose any nonpublic personal information obtained in the course of our engagement to nonaffiliated third parties, except as necessary or as required by law. A necessary disclosure would be to an independent contractor, or in certain situations to third party consultants who would neec to know certain information to assist uw in providing these appraisal services to you. Should a disclosure of this nature to any person or firm assisting in the appraisal process be necessary, such pe-sons shall be advised teat all information is tc be maintained in strict confidence within the firm. A disclosure required by law would be one that is ordered by a tour, e` competent and legs! Jurisdiction, with regard to a legal action. to which you are a party. We will retain records relating to the professional services that we have provided for a reasonable time. In order tc protect your nonpublic personal information from unauthorized access by others, we maintain physical, electronic and procedural safeguards that comply with our professiona! standards, to insure security and the integrity of your information. Form oroducetl by United Systems Software Company 1900! 969-872? www-un~!edsys:ems coin S~4ETCH ~~ .,~,rrrvta ~-r' " r ss _ _ _ - - -- -- ---- i;'ni~ ~1G NSA ---- -_..- i - --- ~ ~ -~- Boy ~.. r~i_ --- C~L'n v C,.m e ~~'d - --- --- Cfa'e F~___ Zip Cede 1~OC7 -- - -- - - - ~~~ " =-~t c~4~ ;e of Doris J. Whitcomb ~~, ,~ - -- 12.0' 9.0' ---------- - o N T o Unfinished ° N Shed 3.0 T r Porch 0 -----6.0~---- °o o ~ 9.0' r; 0 i c~ 12.0' iketch ty Apex I V"^ Comments: Sketch depicted was taken from actual taped measurements of appraiser at time of inspection. AREA CALCULATIONS SUMMARY Code Description Net Size Net Totals GBAS Shed /Unfinished int 216.0 216.0 P/P Porch Decking 147.0 147.0 I i j I Net BUILDING Area (Rounded} 215 BUILDING AREA BREAKDOWN Breakdown Subtotals Shed /Unfinished Int 12.0 x 12.0 144.0 8.0 x 9.0 72,0 I 2ltems (Rounded} I 215 roan pmoucea oy ur.ueo aysiems ~ema~are company (800; 909-6 ~ %- wwH~-unrteds~}~slems rom BOif~Wer.iC~~'~~Pflf ~/A ----~ ndd aSS got: Mot`er Lane --- - -- ~ snit No. N/A -- C!ty Eoiling_SpnnCs County Cumberand_____ _ ;fate Pa __ _Ip Code 1?C0~ '~_?nCerrCl~e~t Esta~e of Doris J. Whitcomb Paie Sheds corm produced oy United Systems SofN~are Company 1800; 909-6?~' wwvr uniledsvslemscom Front View of Shed From Road Dirt Drive Into From Motter lane Interior w/Woodstove Rear View of Shed Motter Lane Street View ~G:.~?SS Lit ~1c~*e~ ~~ane ~,fy Bciliry SP_~_y5---- -- ~er~e~r,'Cit~~~t Estate cf Dcrs J. Whitcomb LOCATION MAP County c:cn!te•iand - - ~ta;e Pa Uni± No. N/A ---- Z!o COlie ? 70C7-- --- -{~ - ~.:.-iifo~..l~ ~•/ .l~ z. "° e~;' ~.•..', ~ ~ u c r ~ A R ; '. ,''.-s-.R.e....,~ o S ~R i .':NJE t ,~~ r{~9 S~' ~,,y 6 r ~ , ~~~, '1.,r' 3f ~ is .s t ~ - ~~J ~ ~ f~ ~-r4 i ' f - ~~"`..,y~``~'°4~'~`~D' ~~. i~~d f•~ f~"~-.,,fit ~~3 ':v'~ ~ ~.-P" CC ~ 4~ l T ' . ,~'i ~y ~~~~ .}' °+~'~ ,'~I``''~y _'\if~a 81: `$8 sCiLR~ !'*ZI'~Uf'. '~~`.{L'~': ~ t v ~~ of Gtt~ ~ iirCb LtY_2 .sl:rYrlSC..•J`~ :C3?+': ~C2t931b'~:'~ 3t,t; t.R`s,~v^..,«.., 1 ..~ ! ~ r i ` 7 ~} qe F tY a. c j~' ~ .L.r$~A ~MPL' N~~ ~A~.~~.~.9 .Ll • 1`~Cat'.S.f .7 [3j:~ A`SM.!\V."1.Zi=:1 M n ~`"a:.~~. :: 3 ~ ~ki.'~~1.. ( ~. ate. • ~ yy~~ +~, Y, y.~ p.f ~ } y,,,, W a , z, Q ' ~. ~. r y aw , t lie {-~Y •:, LC~. l~s..v 'G}F +~.:,~lZil.~l'• ~I~C.i lri7'l2!14'J~ ~~-1Y•!~-~i s.a7~.. L\y :~I `C•E rL~!_ne6,'. s. fr.. .1 { r I ~zl~e'd '~ { } rr ~D"~L~ll~~ ~ j ' ~ Ki""" GyVl7G:Rn ~i 1r12~~l. VS:'W C~lt~ i.'~lfl J.~ ~Y Y~.r2.1.~pV~I~L.%~( i.>a~ ~~A~~. H~ X ~ ~11 M i F 102 9Tnx~d Mtreet; Bair.ing ~pwirigs, Cua^17w,3ani± :'r~tas;t_.r, p~:nrtsyl.~tar?ia, ~~ '~LP.S4~?Ylaz~'~~~ C1~iC~ ~ i i j1 }YtfN~S3Fif?, thai in e3ra~rideTa~zon o, ~z.~3~~: 'Y*ri a=.13311 z~t~~ :~ui~cl~ed ,~xid y !t eJ'Jf.~~ l~~;JQ4'rQJ~ .Le'.7~TR. i~z Atan~ laid, #ha ~^r..ctri~$ 7v8ce~°sraj <~ la~e5y 2e~Cli®itr~~d,~7ea, Sze aLtit' ~rrc~rr a ~e~ haYei~y ~frrit F i , iLYit~ CRfi9SF.)J 4u' ~kf. ~i't~ j/±>17it86 Fi? t~'].@1.Y.' t'S2s.1'~ 3;7$ ~BS1~Y1$ c~5 t~3 (1"`aF2{L9 .~ t:f$ ~ i 6ritz3tiC6: ` E c F+I.i. that. Cc?>t2li.*1 ti'r2C~ L3~ IYtGltYt~i~a.fi3 ~,a17~ta $lt;z~lt9 3. C1 ~q'3.t~'t •: i ;fi,ddlaLGn fiow•ns~aip; C,ir>iher? and ~b:~izt}~, Pennsylvania, h~tsnci~c3 and . E f >xescx_hec'. as f©13otv5 c E s { ~uG1DYNZNG at a .takes c>n 2iii~ of .and rxovr car ~s~A~~iy~ of Jchre ~ "NY ~'et e3 ,; at vorn~z of ?and Ec+rxaser~.y of f3ozijaatain Ex:.Ckez, nuoa az formerly i~f ~t9.cha+'r3'I~. ~Satte:c anc~ Ruas~l:. Ia. Motter~ thence :~y the tatter land; Firth 2 dc~are~s 34 rnz7~7.~::tas East 3_Q5G feet ca a po>.n, . ~n the StTick.].c~r. C:.~e dank ki~sads th~noe sn said ~?oac1, Scui:'~ A-6 d~r~~a 3J mxzuo-QS sliest S7 Left wo a~ar;i.nt~ then4e uo.*.tinuing ~n sa_~3 mad, ' ~ ~etth 5~',< degr~s west t;~2 fer' +., tc~ :t ~Cint ; Ci]e22CA ccnti~.ain+~in waid Road, 4,~ath 70 degx~~;s West- Sb5 %~et, ra~r•e ~,r ieya, to a 3?OiYE~y ~ ~ tF•i~:,oe by lard *_tosa ~i norrnerly a.f witlia7•n D. M-~z'rrh}Jt South ~ deczrec~a ~ ~ ~0 m~n:zt+=:s S~~st ~.~~3•. ~S feet ;;+a a po~.n'~^ th~~ac~ ry lard a~nY,+ or f"cr-- 7Tlt?i"y}~ Q~ JCk322 Yi, ~C~~;$6~, IQQX`~1 ~~ C~@C~Y'v~$ 3~ 1Tf.1.?:ld~4a ~c$'~, 3G+~~~.rA ~ r feet to the ~? acP' of ~Et:~'~DTIAdG. ~ t , ~ nra I COI~F',PAI&I2~ 7,5 acres, more ar i_~~« t I ~.f'. :~ •tr1.~ ~s'S':iR ~';'O~J°,"t.lr tJ:'YlCi2 5V3S ~OIL`J'C`j'_''.u~. i.C '.'71tdG'XS ~'q Nl~'d17.S v.P_(~ 1~a~axat C, Meats, hid +rJi.~Bp '~y ~iah~xel ,7. ~:c~sxZisa and C,~ant~r,3a Me 1cob3.w5h; k12..~`. wiL2a 'il'}+ 4~e2d. ~c~L'G42 ~'~?~1^tieil'~' Z~~ Z'~Ji'~~ ciTi~ s. L^,^C52C~frLZ 1.7.1 i t°t1.? office c+f tYia Reco«~z 3x ~JBeds for G•vAit~erland Lratan¢y in ~~ed ; •~l i 2iool~ „u,,, Vo~Y x~, ,Pai~© 37~. j ~~I f l }t~! ~:.-. iawachtp o9 ~,~~t:r~.~fr~,S(r ~ rl.t w~ ' 1 ' Gunb. Co.,• Pct. • € S, Rao: Eef,ie 7ronsi®r 7pr ~ t ,. Ca.nb, Ca~4h1. Col. ncr. °' ~'~N«t+:~Wl'~~~ ::Tr' <.~" 4~L •i'~SYI~'Ai:if. "' ' ' ' ~i a Oti?~~?M cr.t GF hr t E~Ittc ..~.. ..,e ~ ._ _ I cq ~sylT'r ...,.,.,.,.o.e, f ': :a~ j r ~ ry r~ ~ 1„n~MSFiC! NC1; r'73 ,~~~,t C ~. U ~ j ~ I ~ •~ i. cs P.B.lifo2 i r i r 1 . i j j ` I __ corm produced by United Sgsiems Sotiware Company !8001 969-8727 www uniledsvs[ems com :!1 ri r~ APPRAISER CERTIFICATION Bcrrowa~!.,~~~c' ~,,A --- Address L~~t: "letter Lane - - --- - -. -___ Unit No. NiA City Bcilirg S~rin~s Cn~ , -- ------------ --- --- _ ,,,;n,y Cum~erlard Ct3te Pa Zip Cone 1700,' -- L2nGe'Cliert Estate of Doris J. Whitcomb ___ _ - _ - -- , ~U _rlCf ;. t'~~mmous~~calth ctf' ~'~nns~~ls~ania ~ {~ ~ ~ 7 !~ ~ ~ ~ ~; ~( n~Lpartment of state ~-~ ~ i ~~; Bureau al' Y7-of'E~~sional arit~ Uccupatinnal .~,ff:~aa-s ~?~ '~~i 1't~ $os ?6~'~ ~darrisbttrQ 1'.~ 17:10_5-2~~9 ~~ ~. r Certificate ~'1•pe I.',~ '"- Certificate .St~~t>is ~~ =~ Certified Residential Appraiser ,ActivE~ ~"~~ ~, G ARTHUR CALAMAN Certificate P 0 BOX 475 Number BOILING SPRINGS PA 17007.0475 RL1.39418 ~h x i ~• a~' `7 ), -- - ~,~ i cmcn;r riri ..d ('ru.cs.ior.~l _nd (Ir,i . i ~,c :1t1;.ir•• ~'" ~, •yie t ~.,, l: ~ uv'~71- :~ ~w~ Gy c ~ a s ~ e c`+-n1~1 ~~~ dniti~-1 (.'.ertifirttion Date ~E~. 10118/20Q6 ''rj ~. F~piratic,n T~atc '.F r. y{ OS/30/2011 ~~. - ,, ~/ ~ ~:; i~ q~ .--. ~ V ~_~ .j i • .~;,~, PTt'-µ~iG~xFc?-i~7nF .~1 . ~.~ r t~ ~~c l~ ~`;; Form produced by United Systems Software Company (800j 909-8727 www' unitedsys;ems com (^ PPENHEIMEi~ August 6, ?O10 Richard P. Mislitsky One West High Street P.O. Box 1290 Carlisle, PA 17013 RE: Doris J. Whitcomb Acct #A09-0028844 Dear Richard, Oppenheimer ~ Co. Inc. 10.E Mumma Roati Wormfevsburg, P.~1 1,0+3 `3 }0-'~2-_' ~ 9~4 ~terii•er ~,r ~I! °;inc~pal E:ahanges Per your request, please find below the value of the securities in the above-referenced account on June 30, 2010. 250 shares of Rite Aid Corp @ $0.98 = $245.00 Primary Liquidity money market = $0.06 Account Total: $245.06 Should you require any further information, please do not hesitate to call. Sincerely, `~ ~ 7 Patrick K. Neal Financial Advisor PKN/hk EXHIBIT D ,~ ~ ~ i l~i~/ESTi~~I~3~i :i S AuQtlst 9. ?010 Richard P. Mislitsky Attorney-at-Law P. O. Box 1290 Carlisle, PA 17013 RE: Doris J Whitcomb Dear Sir: The date of death values for the Investment Accounts owned by Doris J Whitcomb are as follows: PNC Capital Directions Account, #8689-1632: 73.821 shares Artisan Mid Cap Value Investor Fund @ $16.99 per share 1067.020 shares Blackrock LQDTY TEPCSH DL @ $ 1.00 per share 489.331 shares Eaton Vance Large Cap Value Fund A Shares @ $15.27 per shad; 284.809 shares Federated Equity Kaufmann Fund A Shares @ $4.42 per share 3356.030 shares Federated Total Return Bond Fund A Shares @ $11.17 per sharE; 417.728 shares Fidelity Advisor Floating Rate Hi Inc @ $9.39 per share 32.201 shares J P Morgan Emerging Markets Equity Fund @ $19.54 per share 1360.821 shares Mainstay Large Cap Growth Fund A Shares @ $5.49 per share 157.454 shares Mainstay ICAP International Fund A Shares @ $23.74 per share PNC IRA Account, #8543-8829: 1116.756 shares Putnam Asset Allocation Conservative Fund A @ $8.68 per share Please feel free to contact me if I can be of further assistance. Sincerely, ~~~r ~~ ~. ~r/~ Charles A. Little, CFP, VP Financial Advisor The information contained herein has been obtained from sources we believe to be reliable but do not guarantee it to be accurate, correct, complete or timely, and shall not be responsible for the results obtained from it's use. PWC Investments LLC Member of The PNC Financial Services Group Two East Main Street Mechanicsburg Pennsylvania 17055 www.pnc.com EXHIBIT E ~ •i4fay Lose Value Importantlnvestorlnformation: Securities and brokerage services are provided by PNC Investments LLC, member FINRA and SIPC. No Bank Guarantee Annuities and other insurance products are offered by PNC Insurance Services LLC, a licensed insurance agency. -~ / .T ~ ~ ~ Gy ~ f -~ 4 a~ -. _~ r . i 7 , ~ p .. \. ti Y -ri. \~ .; ,, / :, =; ~- D a, ~, T rn r _'~ 17 ,_ ~, ~, - -- r~ ~~ y . _, c ~ a 'n • °`. '-.. ~. ~* ~r ~ 'r* , n ~. r .~~ lh v ~~* r' ~~~ , J ~ J 1 `~. ~ ~ :~~ ~L, ._ N l,tr ~~ ~ ii ~ ~< += rn ;-1 ~ `' ~`J `j ~ ; m u ~~'' ~~ ,~ r in . c , A S \^ ~ ~~~ ~~ ~\ ~ r ~ '. ~ ~\ ~ V ~ ~ rv ti C . ~: ~ ~~ ~~*~ ~~~` ~ ~, ~" ~ ~~ ~ ~~ ~ ~~ 4~ , ~~~ +~ r ~~ c ~ 4 C ~• ~ f ~11 v ~ rr ~ l~ ~ -~..,. ~ n C ~; ~ C ~~ ~~ ~ o 3 ~~ 'r 0 "J ~~ I~ i ~; i~'sJ r-/~/~J ~' ~-~"_~ f1~ ~ r-^ m m r 3 .o ,_,~ ~„ _~ ~D n m T ~-~ n ~ .0 -,.l ~ z m ~ ,i ~ _~ O LF7 uzi > -~'~ r~~~ .. -i ~~7 2 ~m0 m ~ z ~ z = ~' m r D 2 N D T R .: •~ 'll m~% n < "' ~y ~~ z, lm m Gl m ~i ~' ~~ v Z _~; ,~ : `. °, ,~.,y ter' EXHIBIT F ~ ~ r / 3 ~~~ t ~. iGwlE SECURlTY..,.3Ur.1`JC~ ..,;C~...?.VC .0:~;'~.CT!'S C.,S~G;`,',E:<Sc~'~lfCc Search 6. ' va z,. -_..~~'' ~~ ~ ~ ~ h ,,r J ~ '~,./'~~ ~ '~ :~ :~ ~ ate. k.:.., ~ ~ :j~x., _,.,1 9 Symbol (PNC (Common Stock) -f Lookup Date June - 30 - 2010 - Look Up Date Requested Closing Price :: - ... Volume r. = ' _ Split Adjustment Factor '' ~". ~ ".- Open ... .. ,_ Day's High ": Day's Low ': Rrint ~ Emai! ~~ ~cSS r~eGUs ~? Er+:ail ~,ierts ia~ C~,rftaois 1 Ftr4 It '~ ~ 114 ~ :Ay ~ i ~ ~~ ' ~ ~ ~~•'d 4~;4°' q r~l/ l+n ~a '~ I ~ i ~r4' r ~ r'( ' ~tlll ' { ~ r~ 'i aiC ~r ~ti~\ ' V ,a, \~i''~~/~ :n to Ol ~~«~) ~ 5, ~ L~ ~~~r, ill 3~?~~n tl L,; ~N ~' I ,c _ ;,. n i r ,. ~ ~ i ~!+~ ~ i ..~ ~ , ~~ I ++ ' yy '. ,I. 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The Walt Disney Company -Stock Information Corporate Information Site Maa .. y.~ Disnev.com Guest Services/HeID ~ Site Map Privacy Policy/Your California Privacy Riahts ~ Interest-Based Ads ~ Terms of Use ~ Internet Safety © Disney. All rights reserved. ~,~~~ ~f ~~-~~:~~~ ~~~~~un~ t~ t~~~~~ ~~ye ~ of 2 For tl~e period ?ndi,~g OGi17/10 c~.ir-.nr ?av; :,?rt ~1c~~urjt (Vum~er ~t7 G,~ 0~?r;11C ~31~2 ~;~~ Lr~.~l~ 102 THIRD ST 801LING SPRINGS PA 17007 - - ~- -~-~ - - - t . ~' ~ ~~: '~=t jJlirirn~ir~ La*=_ Cua c~v•"t~,, r +~,ro~;,~~t ~har7G ~, is -2 :~ . ' } l / 1, ~ ~,'r p~~/I*1?r'I ~7 ri i"'-rJ'~'^t DVS E^CIOSed Data fi~;'I° '1{~ S 4003048110758102900000494D002191,18422 D~tacn this portion and return witl, your cl,~ck payable to PNC Bank. dine of Credit Account Summary DURIS J ~~ti HITCU~-IB Account Number -I0 03 0-I81107~81 ~2 '~' For information call g$$_7tj~_9~1;,; Credit and Payment Information Statement Maximum Date Credit Still Payment Credit ()~ i 17 / 1() ~ _ ~.~,000•r.)O Available 3 137 56 Due Date , . O7;%12 1O Current Past Payment Due Minimum Later Due Amount Payment Charge n. OO ~-O ~-O . O.OO If a Lets Cl,argy I,as byyn as3sasyd, the late charges anti minimum pay Tl,s amount of our tats char ~s i3 itemized ment ary botl, due on the Payment Due Dats . se aratsl and is not included in tl,s minimum a ment shown above. Finance Charge and Crodit Life Insurance Informati on The ANNUAL PERCENTAGE RATE for the Acco~rnt is: ~ ~~ 7 I ) Corresponding , ` ~ AMINUAL Dail PERCENTAGE Y Periodic Part Averaye Days in Dail Bi Credit Life RATE (APR) Rate y lling Balance Cycle FIlilAlllCE CHARGE Interest/Transfer Fes Insurance ~'.~RIAELE 02.7~~O"i, 00.01)750(] c(al) 21 035 70 30 Premium , . i =I-.).~O I.).OO 0.00 (c} (a) Tl,is rats may vary. (b) Thi3 rats will not vary. (c) Insurance premium for all outstanding loan balances (variable & fix=_d). Fixed P&I means a fixed principal &intsrest part. Fixed 10 means an intsrest onl Y part. Important Information regarding your Fixed Rate part: If you had transferred all or part of the principal balance in tl,s Variably Rats part of tl,s account to anotl,yr part during thy billing cycly, ~tl,y following rates would I,avy applied: Part Corresponding ANN~lAL Daily Periodic PERCENTAGE RATE (APR Rate Variably Raty Information: Fixed P&I ~. SF~c Q. ~ 1 ~?4I ~c This rats may vary, but once tl,s rats is sstablisl,ed for a new Fixed Rate Principal & Intyryst Pan, it will not vary. Fixed 10 ~ ~ 1 ~ r.~ ~, Q 1 ~} j j(jm; This rate may vary, but once the rata is established for a new Fixed Rate interest only Part, it will not vary. Please se® Account Activity on the following page~s~ ~X H I B I T H------ Please see reverse side for important information about your account. -- _ _-^~ ` ~' ~ 1# ~a ge Z of 2 +=+~r the eriod endir`g GGi~~~'1G Nccount `lumber aG C3 0~l3i"1Gi5oi:~~ impor~ut ini~rmaticln Activity Summary Precious Balance A~i~ance Charges ~ Cred t3nt~ NeW Current l Balance Payment Oue ~'.~RI.~BLE "~, 3f 2.~~ ~~).~0 5()0.0() 21 , ~)11.8~- ~~).~() Account Activity Effective Description Date Transaction Date/Location Amount Principal Balance Days at This Balanr_e ~'~RI~RLE 0:5;' 18;'10 ' PRE~rIUUS BAL.wCE 22 ,'3~~2.4-1+ 22 , 21;0.29 1 0; 20,%10 P~I'l~1ENT RECD - TH.~~NIi I'UU 200.00- ?? 1G2 4~ 0~;'2~i;'10 P.-~I'~-IENT RECD - THaNh I'Ut1 '300.00_ , . L1 8~i? =1~ 6 Oli;%17,%10 *FI~1~~\CE CH~R(GE* INTEREST 40..}0+ , . 2.3 OGj'17;'10 NEW E.~L.~NCE 21, ~~11.8-I NCL064 REIN 06/09 - - - ~.,~ ~e"ac.? 'oc =~r'ic 1 .".nC =,e-::urn 'l~i~?n 'frur ?ayment r---------- __ j rif:C~... ~! ,~lLf L1P~ J I VISA } I ~'® ~~~~ ~t'rOr! ~<lll' ..OUt1±yTt?achers' Ci'eCIlt U)7i~n ~ i r3ymeruDueDate --Vew3aiar,ce ~~~ ; ~sa~r:,~ fop+_ 1 ~ ~ ,'~CenneCac give • ' Q 3cx SCS .,~arrcersb,,rc ?A 1"-%r)i-v^SC5 ~ ^ ~ ! 1 ~ ; 1 ? ~ ' ' 2 9 3 . ? 3 ~ J ~ - I ' ~~ ti >.~~-~~ ~ ~ ~ Y~ t ' I ~~ .a!: ~ :'~. °hcne 7 7-26-i c5G6 ~ l Ll,~nrm~m>e:r;ent -~ ,~., ^ - a ~ ,~ ~~~ ,.-s~reurr ~ ~ ~ ~" T 11 F ~ ~ ~ n , I i ~ . .r.~ . o ree: 888-358-7828 J l i t ~ '__ ~ i STA7EUlENT OF A~:COUN T " " '_'.,e _ u=~ Sa_a :ce '~;~~sc B~=_ ~?ece_•rec' S, , DORIS J. WHITCOMB i~.'12 D3~I^lE'P.t Dl:c .~.a~ ~ -`• PO BOX 3 87 BOILING L'1SA SPRINGS, PA 17007-0387 i Days in Account Number Credit Limit r:rPlllrQVBIrAhIP A/1Gnn r`~.~ie r•r..~;..,. n,r., ---- ----- -~•••••,~,~•.. .,~.,,,,.,y,.a,~ I rvmnmumrtlymCrlrUUe raymenruueuare ~ 83350-70 4250.00 2966.27 31 06/18/10 -- 39.00 07/13/10 j Posting Transaction -- ~ Date Date Category Transaction Description Charges Credits Late Payment W31n1f2~J: If we do not, receive your minimum payment by the date listed above, you may have to pay a late fee of $25. Minimum Payment Warning: If you-make only the minimum payment; each period, you will pay-.more in interest 'and it will ,take you longer to pay aff your balance. For example: If you make no additional You. will pay off t:he charges using this card balance shown on this And will end up paying and each month you 'pay: .. statement in about... an estimated total'of... Only the minimum payment 6 yearn $162.8.64 $41.37 3 years $1489.32 (Savings=$139.32) If you would like information about credit counseling services; call 1-8.00-388-2227 - Transactions <, _ 6/04 6/04 01 Loan Payment _ 200.00 6/08 6/08 Ol SB *PLANPLUS, 800-591-4295 US 8:50 Reference Number: 060804282101592700 0608 6f 18 6/18 Finance Charge _ 10:66 O1 PURCHASES 10.66..:, Fees No fee transactions were posted in this statement period. Interest Charged Interest Charge on O1-PURCHASES 10.6n' Interest?Charge on'02-CASH ADVANCE 00 TOTAL INTEREST FOR THIS PERIOD 10.66 SUMMARY OF TRANSACTIONS Previous Balance (-) Pa ments and Credits (+) Purchases, Ad1'ustments, (+) Interest Charged (+) Fees Charged (_) New Balance and Cash Advances 1464.57 200.00 8.50 10.66 .00 1283.73 INTEREST CHARG E CALCULATION Your Annual Percen t R (APR ' TOTAL MINIMUM PAYMENT DUE Past Due Amount . 00 I+) Current Fragment 39.00 (_) Minimum Payment 3 9 . 0 0 age ate ) Is the annual Interest rate on your account. Annual Percentage Balance Sub~ect Annual Percentage Balance Sub ect Type o/Balance (Category) Rate (APR) To Interest Rate Interest Charge Type of Balance (Category) Rate (APR) To Inferesl dale Interest Charge O1 PURCHASES 9.900 1267.59 10.66 02 CASH ADVANCE 10.900$ EXHIBIT Total fees charged in 2010 0. 0 0 Total interest charged in 2010 79.60 2010 Totals Year-To-Date__ Notice: See Reverse Side For Important Information Regarding Your Right To Dispute Billing Errors. ,, '~ ~ ; d , ~~ 3 ~ .~~ '"` One Citizens Dr. ROP 112 Riverside, RI 02915 ~~ t ' . August 9, 2010 Law Office Of Richard P Nlislitskv One West high St. PO Box 1290 Carlisle, PA 17013 Estate of DORIS J WHITCOMB Date of Death: Jun 30, 2010 SSN: 207-22-2397 Dear Sir/Madam: In accordance with your request, the attached information sheet has been provided in the above decedent's name as of his/her date of death. For IL or LC accounts, contact our Loan Department at 1-800-708-6680. For all other inquiries, please call 1-877-5 79-2667 Sincerely, ~~~ ~ Andrea Oliver Decedent Account Processing EXHIBIT J a ~ s:~~n ,« ~. ~~~ ~~~~ s M Account Number 6100728277 Y Account Title _ _ DORIS J WHITCOMB Date Opened __ 1/15/1975 Account Type __ Checking Principal Balance as of DOD _ $6525.01 Interest from I/ast Posting to DOD __ $ .00 Account Balance as of DOD __ $6525.01 YTD Interest to DOD __ $ .00 F~ ^'c ~' " r"X ~fy~~y/+?f '~ ~v~ k;~Y' .S'iTri .~ 5 v~ y~ }$ q y,~+~ :~,jjf y~ ~(n' ''2~ ~ %~ ~~u~ast 9. =0i0 Law Office Of Richard P iVlislitskv One West high St. PO Box 1290 Carlisle, PA 17013 Estate of DORIS J WHITCOMB Date of Death: Jun 30, 2010 SSN: 207-22-2397 Dear Sir/Madam: C~r:e t~ itizens Dr. RAP 11 ~.~;ers.de, RI 0?91 In accordance with your request, the attached information sheet has been provided in the above decedent's name as of his/her date of death. For IL or LC accounts, contact our Loan Department at 1-800-708-6680. For all other inquiries, please call 1-877-579-2667 Sincerely, c'~~ cGV Andrea Oliver Decedent Account Processing EXHIBIT K -~ Account Number 622747463 - ' Account Title _ _ DORIS J WHITCOMB Date O ened __ 5/27/2010 Account Type __ Checking Principal Balance as of DOD __ $20009.81 Interest from Last Posting to DOD _ $7.89 Account Balance as of DOD __ $20017.70 YTD Interest to DOD _ $9.81 ~~~~~~~ ~~~a~~~~1~r~~~~~ August 12, 20~fl Richard P. Mislitsky Attorney at Law One West High Street P.O. Box 1290 Carlisle, PA 17013 To Whom It May Concern: RE: Doris J. Whitcomb In reference to the above customer, our records show the enclosed information to be accurate of today's date. If I may be of any further assistance, please contact me. Sincerely, L Tricia Ganoe Deposit Operations Manager 717-261-3624 717-264-6116 888-264-6116 P.O. Box 6010 Chambersburg, PA 17201-6010 FINANCIAL SOLUTIONS... FROM PEOPLE YOU KNOW ~~ Q -~ f0 TO 1 T w m ~~ ~- O t c ~ ~ m ~,• w~ o~ a o$ ~c ;~ yi ~, ~~ LL~ s EXHIBIT N .,_, j ~ ~ I '~~ ~~ ~ i f ~ ~ iT ~ I I ~ ~ ; '~ ra ~ ' j i i i 1 ~ i i I~ ,. j i ~ ~ ~ ~ ~ j j i I~~ l i ~~ ~ l ! i ~~06 Ji.:~d_u :~:-:~_~: - T=a~z i.1 ~'a'.t:; b._L cc~~k ~~aluL - ~.~'.~eT B:uz B,,o~: P ;<<~ 1 c,r ~' ~~ ~. , ,,. _ :.: l.;szd Cars ~__ .. _ _ .. _ ~ - - 3aC:t -... _._~ part;'. ~i 2~nd,~ ....:. ~_r,n~~ > JS~d_~,~ar. GiiUS ~ Si,t) ~rii F^ra-,Fr > X Sport Utility 4D 2006 Subaru Forester X Sport Utility 4D Trade-In Value Private Party Value BLUE BOOK~~' TRADE-IN VALUE __. Suc}gested Retail Valua ------ ......... __...__..__.. CPO Value Photo Gailery } Condition -r - ~ .x, -° r~, '"~'~" ,~ ` `'~ £x~eilent Value 511 57 Cars For Sale ,~:~~.us . ~ _'~""~=' , • ~ ~ Good X10,875 Ccmaare det~icies slu 6cc4% R2vire~r - ' Fair ~.. ~9,~5t1 Cortsurrter Rahn:~s . `` ~ ~~``~~~ t•'ore n tos Find ','our Next Gar Specifiiratien, i'rice ue~.•i Cars E T T E P For Sa4e Hear Car4is4e • 2C)fi6 Subaru Forester Local Listings: ~ Carlisle: is Search Subaru Forester Bc`:o!:~ 5i;,i~ aq r' Search Certified ?re-Opened Subaru Forester Search all Cars For 5a1~ near 1?O15 Find a L7ea4 SEARCH '~u,7r~sted RetaifVaiue •~ Shopping Tools 'News, R.eview5 & Top 1t7s Crli+F.x P.ecord :.r2ck 1G Cocl~~st Cars Under $1°,~00 AuC:; L;ar• iron 3.qo~-~, APR lU fdew ^James for '013 Coi-pare Insurance Races ':'he Best Kind of Ret~,air 5f?op A.iL A.RO ...Lh P:~~grv_-si'f~-' 2f;i1 Best Reriesigned Yehice Payment C:riculatcr' Drive Under The Padar And Avoi:`: ;.,peeing Tickets - A~;I_ autos Find a Ceal•~r Raad Acre F'indTheRightC~r Average Consumer Rating (227 Reviews) Read Revie~^rs Compare Used vs. New s10,COr3 :o s? 5,000 ~ .a„~~,..-•„_~,.:;. 4.S out of 5 Both New and Used .~ Review the ZDOfi Subaru Forester Crosover Vehicle Highlights To View i.ist, Ctick Mileage: ~-1,?SU Engine: a-Cyl, 2.5 Liter ViesntArtotiterVehitle Transmission: Automatic Qrivetrain: .A~,YD Select Year... " r ( - ;. . Selected Equipment Change Equipment "'"-- '"' --~ Standard ABS (4-Wheel) Cruise Control CD (Single Disc) Air Conditioning Power Steering Dual Air Bags Qr Sea'.:h by'.:aeecory Power Windows Tilt Wheel Side Air Bags ~r Change SIP Coy. Power Door Locks AM/FM Stereo Adv2r~iG-men; "._ 5a••:~ `fehic!e r=-~ Print E::T1ail BOOKMRRK f ~`... ''; Finance +§ Insurance Get a `Jer1 Car Lcan from 2.9~°~o APR Get a Pra-Craned Loan frorn .49"~o AFR C~et YOr1r Credit Sc::)r~ iJ:)w t3F.t a Frets °nsurance r.~uotc acs . :i,, r ....,. The SUBARU BOXER® engine sits lower to help provide control while cornering. ~~ 4 ~ ~°. i~'~''' ~~"ir~~, oa :;,;er ., "see nclN '' St.,44~.4~l1,1. http://www.kbb.com/used-cars/subaru/forester/2006/trade-in-value/pricing-report?condition... EXHIBIT P L{~y.-, ~Li~'~.ii.: l.ti~~+~.[_,..'. - __il..L I.. ~ ~!i.i.'., ~i~..:C. lC'VLtL ~vQ1v1~ 11~:i1,_'~ ~'1i.t~ 1~1r..'i~ ~C~.y~ 1 ~~ :pa ~tm ~ ~' -; _ -_ 'fir z~~ :a,:~ ..r. 4 ^ } c.. :7~ ~ ~ r ..: a ---- ------._._ ... A .i's+t;~ a,.n :+~.+:.a\""s. ~rs°'Aeo1"'s).£4':. ~ i 19'97 Subarl.~ I~npreZ~ L Sport 111~~g®n 4D BLUE BaC3KJ TRADE-iN VALUE Condition E~cel~er~~ ~.9rO~3~ lr~it" (Selected) Value ~~.,~2~ ~~r~~~ Offer Terms> per month tease ar7ti othF~r treat aff:;rs on 2071 Subaru Emnreza $1,025 Vehicle Highlights Mileage: 134,000 Engine: 4-Cyl,L."L Liter Transmission: Autr.~rr~atic Drivetrain: AVVD Selected Equipment Standard Air Conditic~niny Fower Steerin0 Dual Air Bays Rowt~r NJiiti~Ot": ~ Trlt bVh el Power Duar Locks AM/;=Yt Stereo r,avertisa^~er ~t Subaru Impreza --..,..._.~ ::tea, ~...,, ~: . Special Offers build your Impreza Find a Dealer Request a Quote Take a Tes# Drive . ~'~ Gel 4iter ''Get 4urste ::Fir-d Qea[er suaAt~u, Clae ;"Jinuc i-.ttr.•//~:nanx~ >lhh ~,.r,-,/„~P~_~ar~/~„har„/;mr,rP~a/1997/trade-in-value/nricin~-report?condition... EXHIBIT Q PNC LsantHO TwewaY September 8, 2010 Richard P Mislitsky, Esq. One `)Vest High St P 0 Box 1290 Carlisle, PA~ 17013 RE: Doris J Whitcomb SSN: 207-22-2397 DOD: 06-30-2010 Dear Mr. Mislitsky: }' ~, 4~ 1141` ~ ~ ~^'~1. i i 1~ ~, i ~ .~., a ~/ In response to your request for Date of Death (DOD) balances for the customer noted above, our records show the following: Checking Account Account # 5004232186 DORIS J WHITCOMB DOD balance: $ 649.26 + 0.00 accrued interest Interest paid 01-01-2010 thru 06-30-2010 $ 0.00 ~ YTD Savings Account Account # 5003705949 .DORIS J WHITCOMB DOD balance: $ 1,035.48 + 0.04 accrued interest Interest paid O 1-01-2010 thru 06-30-2010 $ 0.51 'YTD Established: 09-29-2003 Established: OS-21-2002 Investment Account . The decedent maintained Investtent Account 86421854 & 86891632. For further information you may contact the Brokerage Department at 1-800-~62-6111. I~.oan Account The decedent maintained Loan Account 4003048110758102. For further information and assistance, please contact 1-885-762-2265. Select option 1, then option 3 and then 0 (zero). After pressing zero, please remain on the line to speak with a Loan Financial Service Consultant. EXHIBIT O D.,,.e 1 ..l` 7 Doris J. U'Jhitcomb Estate Exhibit R EXPENSES 102 3rd Street ~oilirg Springs, Pr`, Tax Part°~ ~ 4G-29-2-32-225 HATE AMOUNT 8; 16% 2010 $ 41G.C0 8/23 j 2016 > 266.64 8/23/2010 ~ 1,900.00 8/23/2010 $ 62.95 8/23/2010 $ 85.00 8/31/2010 $ 1,672.76 9/3/2010 $ 39.16 11/4/2010 $ 73.65 11/6/2010 $ 280.15 11/8/2010 $ 296.00 12/30/2010 $ 323.22 12/30/2010 $ 550.00 1/21/2011 $ 355.43 1/24/2011 $ 359.01 ITEM Erie Insurance Property Insurance SMTIVZA Utilities Rob Sheets New Roof Met- Ed Utilities Steve Comman Plumbing Repair Robert C. Cairns, TC School Tax IWS Waste Services Utilities Met- Ed Utilities Dunning Quality Builders Repairs Shipley Energy Heating Oil Shipley Energy Heating Oil Art Calaman Appraisal Shipley Energy Heating Oil SMTMA Utilities TOTAL EXPENSES EXHIBIT R Doris !. Whitcomb Estate EX~llbit S EXPENSES 1 High Street 8oi;ing S~;ri;,gs, P~ Tax Par;.~l ~04~-OG'_9"i~' DATE AMOUNT 1TE1Y1 8/23/2010 $ X89.09 SMTMA Utilities 8/'23/2010 $ 248.2? S1~ipley Energy Heating Oii 8/31/2010 $ 1,301.88 Robert C. Cairns, TC School Tax 11/8/2010 $ 425.00 Erie Insurance Property Insurance 11/8/2010 $ 296.00 Shipley Energy Heating Oil 12/30/2010 $ 323.22 Shipley Energy Heating Oil 1/21/2011 $ 355.43 Shipley Energy Heating Oil ~ 3.138.89 TOTAL EXPENSES EXHIBIT S Doris J. Whitcomb Estate Exhibit T EXPENSE iL~otte~ Lace C~mhP~'a~d Coin+y T a:< Parcel ~ ~~-i3-~9~25~-OC6 DATE AMOUNT ! ; Ln,~ ,, R/3G/20~1u $ 29.33 Met-Ed Utilities 8;'3 i/2010 $ 537.57 Robert C. Cair;~s, TC School Tax 11/4/2010 $ 27.81 Met-Ed Utilities 12/29/2010 $ 28.47 Met-Ed Utilities 12/29/2010 $ 300.00 BH Agency Appraisal $ 923.23 TOTAL EXPENSES EXHIBIT T