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06-09-11 (3)
FROM: Ausherman Bros Real Estate Inc Tim Ausherman 229 North Second St Chambersburg, Pa 17201 Telephone Number: 717-264-6715 Ext 202 Fax Number: 717-264-4973 T0: Estate of Dorothy Dyer Telephone Number: Fax Number: Alternate Number: E-Mail: INVOICE INVOICE NUMBER DATE 2/10/2011 ` 'REFERENCE Internal Order #: Lender Case #: Client File #: Main File # on form: Other File # on form: Federal Tax ID: 25-1552788 Employer ID: DESCRIPTION Lender: Estate of Dorothy Dyer Purchaser/Borrower: Estate of Dorothy Dyer Property Address: 302 East Orange Street City: Shippensburg County: Cumberland Legal Description: Deed Book Vol. 1209 page 387 Client: Estate of Dorothy Dyer State: Pa Zip: 17257 FEES AMOUNT' appraisal fee 325.00 SUBTOTAL ~ 325.00 PAYMENTS' AMQUNT Check #: Date: Description: Check #: Date: Description: Check #: Date: Description: SUBTOTAL ~~ TOTAL DUE $ _~~~ r n - tI~ l ~~ Form NIV5 - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE ~~~ Ausherman Bros. Real Estate Inc. I PacLe #1 of 131 SUMMARY OF SALIENT FEATURES Subject Address 302 East Orange Street Legal Description Deed Book Vol. 1209 page 387 City Shippensburg County Cumberland State Pa Zip Code 17257 Census Tract 0132.00 Map Reference 25420 Sale Price $ Date of Sale Borrower Estate of Dorothy Dyer Client Estate of Dorothy Dyer Size (Square Feet) 2,624 Price per Square Foot $ Location Average Age 111+- Condition Fair-Avg Total Rooms 7 Bedrooms 4 Baths 2 Appraiser Tim L Ausherman Date of Appraised Value 1 /29/2010 Opinion of Value $ 135,000 Form SSD2 - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Ausherman Bros. Real Estate Inc. I rage ~~ ui isl ra,, ni,. Borrower Estate of Doroth Der ~ ~" ~~"' Pro ert Address 302 East Oran a Street Cit Shi ensbur Coun Cumberland State Pa Zi Code 17257 Client Estate of Doroth Der APPRAISAL AND REPORT IDENTIFICATION This Appraisal Report is ~ of the following types: ^ Self Contained (A written report prepared under Standards Rule 2-2(a) , persuant to the Scope of Work, as disclosed elsewhere in this report.) ®Summary (A written report prepared under Standards Rule 2-2(b) ,persuant to the Scope of Work, as disclosed elsewhere in this report.) ^ Restricted Use (A written report prepared under Standards Rule 2-2(c) , persuant to the Scope of Work, as disclosed elsewhere in this report, restricted to the stated intended use by the specified client or intended user.) Comments on Standards Rule 2-3 I certify that, to the best of my knowledge and belief: -the statements of fact contained in this report are true and correct. -the reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. - I have no (or the specified) present or prospective interest in the property that is the subject of this report and no (or the specified) personal interest with respect to the parties involved. - I have no bias with respect to the property that is the subject of 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. - I have (or have not) made a personal inspection of the property that is the subject of this report. (If more than one person signs this certification, the certification must clearly specify which individuals did and which individuals did not make a personal inspection of the appraised property.) - no one provided significant real property appraisal assistance to the person signing this certification. (If there are exceptions, the name of each individual providing significant real property appraisal assistance must be stated.) Comments on Appraisal and Report Identification Note any USPAP related issues requiring disclosure and any state mandated requirements: APPRAISER: / SUPERVISORY APPRAISER (only if required): J Signature: ,~ Signature: Name: Tim L Aushe' n Name: Date Signed: 2/9/2 Date Signed: State Certification #: A000149L State Certification #: or State License #: or State License #: State: PA State: Expiration Date of Certification or License: 6/30/2011 Expiration Date of Certification or License: _ Supervisory Appraiser inspection of Subject Property: Effective Date of Appraisal: 1 /29/2010 ^ Did Not ^ Exterior-only from street ^ Interior and Exterior Form ID06 - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Ausherman Bras. Real Estate Inc. ®ICeir~e~rr~~~ eooQeicei ~1IMM~RY RFP~RT Goo ti~ I rage #:s of 131 Property Address 302 East Orange Street City Shippensburg State: Pa Zip Cade: 17257 Coun :Cumberland Le al Descri lion: Deed Book Vol. 1209 a e 387 ~ Assessor's Parcel #: 32342413064 w m Tax Year: 2011 R.E. Taxes: $ 2 888 S ecial Assessments; $ None Borrower if a licable : Estate of Doroth Der ~ Current Owner of Record: Estate of Doroth Der Occu ant: ^ Owner ^ Tenant ®Vacant ^ Manufactured Housin ~ Project Type ^ PUD ^ Condominium ^ Cooperative ^ Other (describe) HOA: $ ^ er ear ^ er month Market Area Name: Shi ensbur Ma Reference: 25420 Census Tract: 0132.00 The ur ose of this a raisal is to develo an o inion of: ®Market Value as defined , or ^ other a of value describe This re ort reflects the followin value if not Current, see comments : ^ Current the Ins ection Date is the Effective Date ®Retros ective ^ Pros ective z A roaches develo ed for this a raisal: ®Sales Com orison A roach ^ Cost A roach ^ Income A roach See Reconciliation Comments and Sco e of Work ~ Pro a Ri hts A raised: ®Fee Sim le ^ Leasehold ^ Leased Fee ^ Other describe '~ Intended Use: The intended use is to establish market value for the estate of Dorothy Dyer _ q Intended Users b name or e : Estate of Doroth Der Client: Estate of Doroth Der Address: 302 East Oran a Street Shi ensbur A raiser: Tim L Ausherman Address: 229 N 2nd St Chambersbur PA 17201-1696 Location: ^ Urban ®Suburban ^ Rural ®Over 75~° ^ 25-75% ^ Under 25% ilt B Predominant Occupancy One-Unit Housing PRICE AGE Present Land Use One-Unit 75 ~° Change in Land Use ®Not Likely u up: id ®Stable ^ Slow ate: ^ Ra th G ®Owner 95 $(000) (yrs) 2-4 Unit 15 % ^ Likely * ^ In Process p row r ®Stable ^ Declining asin ^ I l ®Tenant 5 50 Low 20 Multi-Unit 10 % " To: F- ncre g ues: Property va : ^ Shortage ®In Balance ^ Over Supply l nd/su D ®Vacant (0-5%) 175 Hi h 160 Comm'I % y pp ema Marketin time: ^ Under 3 Mos. ®3-6 Mos. ^ Over 6 Mos. ^Vacant >5% 100 Pred 120 other ~° o q Market Area Boundaries, Description, and Market Conditions (including support for the above characteristics and trends): Bounded by Walnut Bottom Rd to the east Earl St to the west Route 11 to the north and born line to the south. Overall market conditions within the area are slow with little turnover. It is common for sellers to assist buyers with closing costs Generally speaking there has been somewhat of an oversupply of homes available ~ within the area for sale. w x a a Dimensions: Irre ular Site Area: ..24 acre Zoning Classification: Residential Description: Residential Zonin Com liance: ®Le al ^ Le al nonconformin randfathered ^ Ille al ^ No zonin Are CC&Rs a licable? ^ Yes ^ No ^ Unknown Have the documents been reviewed? ^ Yes ^ No Ground Rent if a licable $ / Highest & Best Use as improved: ®Present use, or ^ Other use (explain) ~ O Actual Use as of Effective Date: Residential use Use as appraised in this report: Residential Use Summary of Highest & Best Use: Highest and best use presently is a single family home F= n. w _~ ~ Utilities Public Other Provider/Description Electricity ~ ^ Gas ~ ^ Water ® ^ Sanitary Sewer ® ^ Storm Sewer ® ^ Off-site Improvements Type Public Private Street Asphalt ® ^ Curb/Gutter concrete ® ^ Sidewalk concrete ® ^ Street Lights street ® ^ Alle as halt ® ^ Topography Level Size t ical Shape rectan ular Drainage ode uate View Avera e Other site elements: ®Insitle Lot ^ Corner Lot ^ Cul de Sac ^ Under round Utilities ^ Other describe FEMA S ec'I Flood Hazard Area ^ Yes ®No FEMA Flood Zane X FEMA Ma # 42041 C0342E FEMA Ma Date 3/16/2009 Site Comments: Site is rectangular in shape =: General Description # of Units 2 ^ Acc.Unit # of Stories 2 st Type ^ Det. ®Att. ^ Exterior Description Foundation Stone /av Exterior Walls Brick/av Roof Surface as halt/av Foundation Slab none Crawl Space none Basement full Basement ^ None Area Sq. Ft. 1 200 % Finished 0 Ceiling oists Heating Hw Type Hw Fuel as v, z Design (Style) 2 st ® Existing ^ Proposed ^ Und.Cons. Actual Age (Yrs.) 111+_ Effective A e Yrs. 20 Gutters & Dwnspts. alum/av Window Type Double Hun /av Storm/Screens es/av Sump Pump ^ Dampness ^ Settlement Infestation None obs Walls Stone Floor Concrete Outside Entry Cooling Central no Other w g y ~ Interior Description Floors C t vin/av Walls taster anel/fair Appliances Refrigerator ~ Range/Oven ~ Attic ^ None Stairs ~ Drop Stair ^ Amenities Fireplace(s) # none Woodstove(s) # Patio none Car Storage ^ None Garage # of cars ( 2 Tot.) Attach. ~ Trim/Finish wood/av Disposal ^ Scuttle ^ Deck None Detach. 2 ~` Bath Floor vin I/av Dishwasher ^ Doorway ^ Porch Porches Blt.-In F Bath Wainscot vin I cerm/av Fan/Hood ^ Floor ® Fence None Carport 0 Doors wood/av Microwave ^ Heated ^ Pool None Driveway 2 Washer/D er ^ Finished ® Surface as halt ~ Finished area above rode contains: 7 Rooms 4 Bedrooms 2 Baths 2 624 S uare Feet of Gross Livin Area Above Grade d Additional features: Front and rear porchs older kitchen 24 x 28 2 car garage. There is a finished room and full bath on third floor not included in U the totals foota e. Additional a rox. 646 s s ft. ~ ~ Describe the condition of the property (including physical, functional and external obsolescence): Overall condition is fair-avq interior is dated with many rooms being paneled with the ceilings Ceilings are in need of repair RE51 DENTIAL t,opyrignt~ zuw oy a is moue, IfIL' IIIIS IUIIII Way ue ICNluwceu wnnvuWCU rnwwi rvuuai pcn waawu, vrrcv , ~a uw ~ ~~ ~~~~~. w uenii~.nwye~ ~,~~ ~~~~~.~~. Form GPRES2 - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE 3/2007 I Page #4 oT 131 RESIDENTIAL APPRAISAL SUMMARY REPORT My research ^ did ®did not reveal any prior sales or transfers of the subject property for the three years prior to effective date of this ~- Data Sources : Cumberland Co Court O 1st Prior Subject Sale/Transfer house Analysis of sale/transfer history and/or any current agreement of sale/listing: m Date: Price: w' Sources v"i 2nd Prior Sub~ect Sal e/Transfer z Date: -- Price: Sources SALES COMPARISON APPROACH TO VAL UE if d evelo ed ^ The Sales Com arison A roach was not develo ed for this a r aisal. FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 302 East Orange Street Pa 17257 Shippensburg 218 North Prince St Shi ensbur 332 East Garfield St Shi ensbur Pa 17257 331 East Walnut St Shi ensbur Pa 17257 t ' S b t i i ,_ -__ 37 miles NW 0 0.10 miles E 0 14 miles E jec , u o Prox m ty - -- _ _ . _ _ _ _ - $ 125 000 $ 140 000 $ 115,000 Sale Price $ _ , . Price/GLA S l $ ft /s 45 /s .ft. $ 63 $ 104.09 /s .ft. $ 62.30 /s .ft. _ _ a e Data Sources Ins ection . . . MLS-066985684 - _ MLS -067138409 MLS-067324466 _ Verification Sources VALUE ADJUSTMENTS Courthouse DESCRIPTION Courthouse DESCRIPTION + - $ Ad'ust. Courthouse DESCRIPTION + - $ Ad'ust. Courthouse DESCRIPTION + - $ Ad'ust. Sales or Financing Concessions N/A N/A Conv 387 DOm No concess Conv 139 DOm No concess Conv 131 DOM Concess 6900 ~ ' -6 900 Date of Sale/Time 4/23/2010 3/30/2010 10/26/2010 Ri hts A raised Fee Sim le Fee Sim le Fee Sim le Fee Sim le Location Avera a Avera a Avera a Avera e Site ..24 acre .23 Acre .11 acre .24 Acre View Avera e Avera a Avera a Avera e Desi n S le 2 st 2 st/av 2 st 2 st Quali of Construction Brick/av Brick Fr/av Vin I/av Frame/av +7 500 A e 111 +- 97 109+- 100+- Condition Fair-Av Avera a -5 000 Good -10 000 Fair-Av Above Grade Total Bdrms Baths Total Bdrms Baths Tatal Bdrms Baths Total Bdrms Baths Room Count 7 4 2 6 3 1.5 +2 500 7 3 2 6 3 2 Gross Livin Area 2 62 4 s .ft. 1 970 s .ft. +9 810 1 345 s .ft. +19 185 1 846 s .ft. +11 670 Basement & Finished Rooms Below Grade Basement Unfinished Basement 0 Basement Finished -10 000 Basement Unfinished Functional Utili Avera e Avera a Avera a Avera e Heatin /Coolin Hw/none Steam/none Hw/none Base.none _ Ener Efficient Items 4 Gara a/Car ort sw 2 car ara e sw 2 car sw 1 car +4 000 Sw 2 car a Porch/Patio/Deck a Kitchen Fire laces Porches Old Kitchen None Porch's Old Kitchen None Porch's Mod Kitchen None -500 Porch's Older Kitchen None p Other Attic finished none +5 000 none +5 000 none +5 000 d g Net Ad'ustment Total ~ + ^ - $ 12 310 ~ ± ^ - $ 7 685 ®+ - $ 17 270 o Adjusted Sale Price of Com arables _ _ _ _ _ ___ PJet q g % Gross 1, 8 % $ 137 310 Net 5.5 °~ Gross 34.8 ~ $ 147 685 Nefi 15 0%° Gross 27.0 °I° $ 132 270 a ~ Summary of Sales Comparison Approach within the market Comparable sales # 1 and # 2 are over six months however represent the most recent sales available Indicated Value by Sales Comuarison Approach $ 135,000 m RESI DENTIAL Copyright© 2007 by a la mode, inc. This form may be reproduced unmodified without written permission, however, a la mode, inc. must be acknowledged and credited. Form GPRES2 - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE 3/2007 I Page #5 of 131 RESIDENTIAL e~~Qeicei SI IMM~RY REPORT F;ipti~~ i-~^ ^ ^ v uvi ~ COST APPROACH TO VALUE if develo ed ®The Cost A roach was not develo etl for this a raisal. Provide adequate information for replication of the following cost figures and calculations. Support for the opinion of site value (summary of comparable land sales or other methods for eshmating site value): The cost approach is not applicable for this ro ert due to the a e and condition of the im rovements. ~ ESTIMATED ^ REPRODUCTION OR ^ REPLACEMENT COST NEW OPINION OF SITE VALUE ____......__ _.__..______-....__ _$ :~ Source of cost data: DWELLING S .Ft. @ $ __ _$ ~` Quali ratin from cost service: Effective date of cost data: S .Ft. @ $ _$ etc.): depreciation ross living area calculations roach ( t A C t ~ S .Ft. @ $ _$ , , g os pp s on Commen n. S .Ft. @ $ _$ a S .Ft. @ $ _$ Q - _$ Gara a/Car ort S .Ft. @ $ _$ Total Estimate of Cost-New _$ Less Ph sical Functional External De reciation =$ De reciated Cost of Im rovements -......___......___ _$ "As-is" Value of Site Im rovements =$ _$ _$ Estimated Remainin Economic Life if re wired : Years INDICATED VALUE BY COST APPROACH __. =S INCOME APPROACH TO VALUE if develo ed ®The Income A roach was not develo ed for this a raisal. Estimated Monthl Market Rent $ N/A X Gross Rent Multi tier N/A = $ N/A Indicated Value by Income A proach ~ Summary of Income Approach (including support for market rent and GRM): -- a a Q w Q U Z_ PROJECT INFORMATION FOR PUDs if a licable ^The Subject is art of a Planned Unit Develo ment. Le al Name of Pro'ect: Describe common elements and recreational facilities: a Indicated Value by: Sales Comparison Approach $ 135 000 Cost Approach (if developed) $ N/A Income Approach (if developed) $ N/A Final Reconciliation Emphasis was placed on the sales comparison approach to value which is best reflective of market value. Cost approach approach was not developed due to aqe of the subject property and amount of depreciation that has taken place. Income approach was developed and provides additional support for the indication of value illustrated in the sales comparison approach. z 0 This appraisal is made ®"as is", ^ subject to completion per plans and specifications on the basis of a Hypothetical Condition that the improvements have been completed, ^ subject to the following repairs or alterations on the basis of a Hypothetical Condition that the repairs or alterations have been completed, ^ subject to z the following required inspection based on the Extraordinary Assumption that the condition or deficiency does not require alteration or repair: D U W ^ This re ort is also sub'ect to other H othetical Conditions and/or Extraordina Assum tions as s ecified in the attached addenda. Based on the degree of inspection of the subject property, as indicated below, 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: $ 135,000 , as of: 1/29/2010 ,which is the effective date of this appraisal. tf 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 pages, including exhibits which are considered an integral part of the report. This appraisal report may not be w properly understood without reference to the information contained in the complete report. g Attached Exhibits: c=,> ^ Scope of Work ®Limiting Cond./Certifications ^ Narrative Addendum ^ Photograph Addenda ^ Sketch Addendum '~ ^ Map Addenda ^ Additional Sales ^ Cost Addendum ^ Flood Addendum ^ Manuf. House Addendum ^ H othetical Conditions ^ Extraordina Assum tions ^ ^ ^ Client Contact: Client Name: Estate of Dorothy Dyer E-Mail: Address: 302 East Oran a Street Shi ensbur APPRAISER SUPERVISORY APPRAISER (if required) or CO-APPRAISER (if applicable) w ~'' Supervisory or Q Appraiser Name: Tim L Ausherman Co-Appraiser Name: ~ Re to n Company: Ausherman Bros Company: . cn Phone: 717 264-6715 x202 ' Fax: (717) 264-4973 Phone: Fax: E-Mail: timapprat7pa net E-Mail: Date of Report (Signature): 2/9/2011 Date of Report (Signature): _ License or Certification #: GA000149L State: PA License or Certification #: State: Designation: Designation: Expiration Date of License or Certification: 6/30/2011 Expiration Date of License or Certification: Inspection of Subject: ~ Interior & Exterior ^ Exterior Only ^ None Inspection of Subject: ^ Interior & Exterior ^ Exterior Only (_~ None Date of Ins ection: 2/8/2011 Date of Ins ection: m RE51 E NTIAL Copyright© 2007 by a la mode, inc. This Corm maybe reproduced unmodified without written permission, however, a la mode, inc. must be acknowledged and credited Form GPRES2 - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE 3/2001 I rage ~ti or iJ A~ssur~ tions & Limitin Conditions FileNa.: Property Address' 302 East Orange Street City Shippensburq State: Pa Zip Code: 1 Client Estate of Dorothy Dyer Address 111 West King St Shippensburq Pa 17257 Appraiser: Tim L Ausherman Address' 229 N 2nd St Chambersburg PA 17201-1696 STATEMENT OF ASSUMPTIONS & LIMITING CONDITIONS -The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of it being under responsible ownership. -The appraiser may have provided a sketch in the appraisal report to show approximate dimensions of the improvements, and any such sketch is included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size. Unless otherwise indicated, a Land Survey was not performed. - If so indicated, the appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. -The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand. - If the cost approach is included in this appraisal, the appraiser has estimated the value of the land in the cost approach at its highest and best use, and the improvements at their contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if they are so used. Unless otherwise specifically indicated, the cost approach value is not an insurance value, and should not be used as such. -The appraiser has noted in the appraisal report any adverse conditions (including, but not limited to, needed repairs, depreciation, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property, or that he or she became aware of during the normal research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser 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 an environmental assessment of the property. -The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that he or she considers to be reliable and believes them to be true and correct, The appraiser does not assume responsibility for the accuracy of such items that were furnished by other parties. -The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional Appraisal Practice, and any applicable federal, state or local laws. - If this appraisal is indicated as subject to satisfactory completion, repairs, or alterations, the appraiser has based his or her appraisal report and valuation conclusion on the assumption that completion of the improvements will be performed in a workmanlike manner. - An appraiser's client is the parry (or parties) who engage an appraiser in a specific assignment. Any other parry acquiring this report from the client does not become a parry to the appraiser-client relationship. Any persons receiving this appraisal report because of disclosure requirements applicable to the appraiser's client tlo not become intended users of this report unless specifically identified by the client at the time of the assignment. -The appraiser's written consent and approval must be obtained before this appraisal report can be conveyed by anyone to the public, through advertising, public relations, news, sales, or by means of any other media, or by its inclusion in a private or public database. - An appraisal of real property is not a 'home inspection' and should not be construed as such. As part of the valuation process, the appraiser performs anon-invasive visual inventory that is not intended to reveal defects or detrimental conditions that are not readily apparent. The presence of such conditions or defects could adversely affect the appraiser's opinion of value. Clients with concerns about such potential negative factors are encouraged to engage the appropriate type of expert to investigate. m REST DE NTIAL Copyright© 2007 by a la mode, inc. This form may be reproduced unmodified without written permission, however, a la mode, inc. must be acknowledged and credited. Form GPRES2AD LT - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE 3/2007 I rage ~r or ial [~efini~ions & Scope of Work No.: Property Address' 302 East Orange Street Clty' Shippensburg State: Pa Zip Code: 172: Client' Estate of Dorothy Dyer Address' 111 West King St Shippensburg Pa 17257 _ Appraiser' Tim L Ausherman Address' 229 N 2nd St Chambersburq PA 17201-1696 DEFINITION OF MARKET VALUE *: Market value means the most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: 1. Buyer and seller are typically motivated; 2. Both parties are well informed or well advised and acting in what they consider their own best interests; 3. A reasonable time is allowed for exposure in the open market; 4. Payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and 5. The price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions granted by anyone associated with the sale. * This definition is from regulations published by federal regulatory agencies pursuant to Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) of 1989 between July 5, 1990, and August 24, 1990, by the Federal Reserve System (FRS), National Credit Union Administration (NCUA), Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (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. The Scope of Work is the type and extent of research and analyses performed in an appraisal assignment that is required to produce credible assignment results, given the nature of the appraisal problem, the specific requirements of the intended user(s) and the intended use of the appraisal report. Reliance upon this report, regardless of how acquired, by any party or for any use, other than those specified in this report by the Appraiser, is prohibited. The Opinion of Value that is the conclusion of this report is credible only within the context of the Scope of Work, Effective Date, the Date of Report, the Intended User(s), the Intended Use, the stated Assumptions and Limiting Conditions, any Hypothetical Conditions and/or Extraordinary Assumptions, and the Type of Value, as defined herein. The appraiser, appraisal firm, and related parties assume no obligation, liability, or accountability, and will not be responsible for any unauthorized use of this report or its conclusions. Additional Comments (Scope of Work, Extraordinary Assumptions, Hypothetical Conditions, etc.): ®RESI ~ E NTIAL Copyright© 2007 by a la mode, inc. This form maybe reproduced unmodified without written permission, however, a la mode, inc. must be acknowledged and credited. ~ 3/2007 Form GPRES2AD LT - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE I Nage #a or i:sl Certifications Address: 302 East State: Pa Zip Code: 17257 Client: Estate of Doroth Der Address: 111 West Kin St Shi ensbur Pa 17257 A raiser: Tim L Ausherman Address: 229 N 2nd St Chambersbur PA 17201-1696 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: Client Contact: E-Mail: APPRAISER Client Name: Estate of Dorothy Dyer Address: 111 West Kino St, Shippensburg , Pa 17257 ____ ~' Appraiser Name: Tim L Ausherman Z Company: Ausherman Bros Real a c. Phone: (717) 264-6715 x202 F (717) 264-4973 ~' E-Mail timappr(a~pa net SUPERVISORY APPRAISER (if required) or CO-APPRAISER (if applicable) Supervisory or Co-Appraiser Name: Company: Phone: E-Mail: Date Report Signed: 2/9/2011 Date Report Signed: License or Certification #: GA000149L State: PA License or Certification #: _ Designation: Designation: Expiration Date of License or Certification: 6/30/2011 Expiration Date of License or Certification: _ Inspection of Subject: ®Interior & Exterior ^ Exterior Only ^ None Inspection of Subject: ^ Interior & Exterior Date of Inspection 2/8/2011 Date of Inspection: Fax: State: ^ Exterior Only ^ None C~ ' R ESI E NTf L Copyright© 2007 by a la mode, inc. This form may be reproduced unmodified without written permission, however, a la mo e, inc. must a ac now a ge an cre i e . Form GPRES2AD LT - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE 3/2007 Pa a#9 of 11 Subject Photo Page Borrower Estate of Doroth Der Pro e Address 302 East Oran a Street Ci Shi ensbur Coun Cumberland State Pa Zi Code 17257 Client Estate of Doroth Der Subject Front 302 East Orange Street Sales Price Gross Building Area Age 111+- Subject Rear Subject garage Farm PIC3x5.SC - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE ~ Page #10 of 111 Comparable Photo Page Borrower Estate of Doroth Der Pro e Address 302 East Oran a Street Cit Shi ensbur Coun Cumberland State Pa Zi Code 17257 Client Estate of Doroth Der Comparable 218 North Prince St Sales Price 125,000 Gross Building Area Age 97 Comparable 2 332 East Garfield St Sales Price 140,000 Gross Building Area Age 109+- Comparable 3 331 East Walnut St Sales Price 115,000 Gross Building Area Age 100+- Form PIC3x5.CC - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Building Sketch Borrower Estate of Doroth Der Pro a Adtlress 302 East Oran e Street Ci Shi ensbur Count Cumberland State Pa Zi Code 17257 Client Estate of Doroth Der 20' 22' Porch co Kitchen Bath 4' bo N Dining Room Living Room '. Foyer 64, 1 Porch ~ 21' 20' 22' Bath porch Bedroom Bedroom 4' `" Bedroom Bedroom 21' Ssr 0D~ 7' 38' ao ^' Bath ^ Bedroom .^, .. 38' Sketch by Apex Medina'"' Form SKT.BIdSkI - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Building Sketch Borrower Estate of Doroth D er Pro a AddreSS 302 East Oran e Street Clt Shi ensbur Count Cumberland State Pa Zi Code 17257 Client Estate of Doroth D er AREA CALCULATIONS SUMMARY Code Description Net Size Net Totals GLA1 First Floor 1312.0 1312.0 GLA2 Second Floor 1312.0 1312.0 GLA3 Third Floor 646.0 646.0 P/P Porch 176.0 Porch 176.0 Porch 147.0 499.0 Net LIVABLE Area (rounded) First Floor GLA1 0.5 x 4.0 x 5.0 = 10.0 18.0 x 38.0 = 684.0 0.5 x 5.0 x 4.0 = 10.0 7.0 x 4.0 = 28.0 42.0 x 10.0 = 420.0 8.0 x 20.0 = 160.0 Area total (rounded) = 1312 Porch P/P 22.0 x 8.0 = 176.0 Area total (rounded) = 176 Porch P/P 21.0 x 7.0 = 147.0 Area total (rounded) = 147 Second Floor GLA2 0.5 x 4.0 x 5.0 = 10.0 18.0 x 38.0 = 684.0 0.5 x 5.0 x 4.0 = 10.0 7.0 x 4.0 = 28.0 42.0 x 10.0 = 420.0 8.0 x 20.0 = 160.0 Area total (rounded) = 1312 Porch P/P 22.0 x 8.0 = 176.0 Area total (rounded) = 176 Third Floor GLA3 17.0 x 38.0 = 646.0 Area total (rounded) = 646 LIVING AREA BREAKDOWN Bn~kdown Subtotals First Floor 0.5 x 4.0 x 5.0 10.0 18.0 x 38.0 684.0 0.5 x 5.0 x 4.0 10.0 7.0 x 4.0 28.0 42.0 x 10.0 420.0 8.0 x 20.0 160.0 Second Floor 0.5 x 4.0 x 5.0 10.0 18.0 x 38.0 664.0 0.5 x 5.0 x 4,0 10.0 7.0 x 4.0 28.0 42.0 x 10.0 420.0 8.0 x 20.0 160.0 Third Floor 17.0 x 38.0 646.0 3270 13 Items (rounded) I 3270 Farm SKT.BIdSkI - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Pae#11 of 11 Location Map Borrower Estate of Doroth Der Pro ert Address Cit 302 East Oran a Street Shi ensbur Coun Cumberland State Pa Zi Code 17257 Client Estate of Doroth Der m 4"~ ~ c~unb°~ ~ ti ~ ~ a m 6 ~4~ 7@ q~ P'~0 .~ : ti . P~ ~ ~ G~ ~~, ti ~~~y~~~ a, R`~ 9~s ~q 5~ y 0 'P ~.4°~;fit ~ ~' b~ t~~~ Aye ~' ~~" .0 9 PV6 N 7. ~P ~ ~ r o ~ ~ ~ ~ Sfiippensburg ~,~P ,un Pie ~~~ 4'~ ~~"~ `~ ~~~~ S~ `S' ~ ~~~9 ~ ~ u> 5 5t d L~ ~ ©~2t~ q ~ ~ •i N cR ~ N _... ~r X533 5~ ~~A ;11 '' ~d W atfi~~ Atom 5` ~~ a~ ~" ~v 5~ ~.~~ d0 5~ ~~~ '~o Sr c~5 ~`® 5~ D y~~rq I. ~6 `~a ~'.~ C,f~ ~~~~ _ ~~r Shippensburg -ndustrial Park N ' _ n ~¢ ;' .' 4 t3 17~5~'e~~~a 9~ f .~; 696. Dykeman Spring `896; E,,D { _~~~ ;~~ s~ ~~ ,~tn,~ ~ Dykeman Spring Wetland Park 250 yds 7~~J31 .'yto~9.':yfJtiY-~ ?_~ilh iL?'."Ss~ 7?-i:IJ ti~ ~g P ^7~ ~~a~ Form MAP.LOC - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE r~~y ~ . s ~,~-~ ~ ~,~ ~~ pp ~a~~ s ~w ~ h5 Musser Road, Shippensburg, PA 17257 717-264-3885 ~~nr<~isa. fnr- D~mthv Dyer Estate, 302 E. Orange Street, Shippensburg, PA 17257 itc_ _-__ l - , rl~l.-~~~ APPRAISAL VAI,tTC ~n ~,~,~;Ca 5.00 ~dc machines 15.00 ~~~~c 'iolc desk 45.00 ~r conditioner 30.00 !'".;rno 25.00 i ant Porcl~~ Items: 45.00 ~.',hc: (`;gilts 150.00 ~run~ks 25.00 t m clbinet 100.00 LIVIn~ 800111 ~,,fa 100.00 stuffed chairs 85.00 ~ .~rve~. 45.00 1 ~ nd stands 50.00 lilac chair 30.00 ~~nv TV 20.00 I <~r~e table 200.00 ~ chairs 50.00 ( '.line closet 275.00 ~~. ~ r conditioner 85.00 1; itchen i~ ~nnu~rc drvci 75.00 `~ ~'~irlE~ix~t rcfrigcratoi- 85.00 ;i~~ta~~ washer 100.00 1 ~ro~~ leaf table 35.00 ld Ireezer 25.00 I~ _ ~ nmore stove 100.00 ~a'11T"\": `tens in ~antrr 85.00 i 3~ ;~_ ~ncn,: i ice skates 10.00 45.00 Sl _~ds `~~' sc. cabi>>ets. ~-mas decorations, fishing items 60.00 ~'~~~ bo!t~~n~ bo~~t 100.00 wn mov~~cr 15.00 ~~~~~ig i~andied tools & misc. tools 30.00 ~'; ;-,ic table 10.00 ~~;~ 'chair 25.00 H_.1lwa~~: ~ ;k double. bookcase 400.00 S~~Tall slant front desk 125.00 t` ~k mirrrn. 15.00 ~~ rncr cul~ho~~rd and contents 150.00 Iud~'s I3cdroom:_ E~~ ~droom suite 100.00 I; trc~ll~s i3cdroom: ti' aterl~all bedroom pieces 85.00 40.00 Oak dresser 20.00 I3 ~~d 30.00 1V~`isc. items 00 45 P~,~ssed hack rocker . Ii~~okcase & contents 65.00 P;a's Bedroom: C',~ntents 65.00 "isc. linens <Y~. other small items 85.00 TOTAL: $3,405.00 ~'~ PPRAISAL F1:E: $135.00 (paid the day of appraisal) t s • - ~ • ~ : • - • • Payable To: GRACE KEITER, TAX COLLECTOR Offlce Hours: TUESDAY 12-4:30 PM Bill No: 301 P.O. BOX 282 111 N FAYETTE STREET ADDITIONAL HOURS APRIL 29th,12PM- Bill Date 3,":11 SHIPPENSBURG, PA 17257-0282 4:30PM 8 JUNE 30,NOON-4:30PM Control No:32000325 Phone: !717) 532-2147 ext220 CASH ONLY AFTER 12/20/11 MAP NO: 3[-34-2413-064 PHONE (717) 532-2147 ext220 Desc: 3C2 E ORANGE STREET Assessed Value: Land: 31,300 Improvement: 166,300 Total: 197,600 -~ Acres .240 Deed: 00132-00235 LEND LESS THAN 1 ACRE Discount Face Penalty Residential(Under 10 Acres) COUNTY R/E 1.90200 $368.32 $375.84 5413.42 !~IIIII I I II II ~II~IIII~II I III` II COUNTY LIB .14300 $27.69 $28.26 S31 09 r-- 51.00 FEE FCR ADDITIONAL RECEIPTS MUNIC. R/E 2.26000 $437.65 5446.58 _ 5491.24 MUN FIRE PROTC .21000 $40.67 541.50 545.65 ~ Tax Payer DYER, VERNGN & DOROTHY ,~_~. ,,~ 1;:~ ~. " ~~ MUN ST~.LT .13000 - 18 $25.69 $28.26 j PO BUX 36 " TAX AMOUNT DUE $899.51 $917.87 31,009.66 ~ J~~ SJALNUT BOTTOM, PA 17268-0036 ~~-T'" ~ If Date Of Payment Is On 3/1/ ru 4/30/11 ' S/1111 thru 6130111 7/ ~ 1111 or Later A~'J. ~ J Z';' ~ - -- !TAXPAYER'S COPY -KEEP THIS ORTION-FOR YOUR RECORDS ~ ~ •' - ~ ~ • - - • = Payacie To. GRACE KEITER, TAX COLLECTOR P.O. BOX 282 111 N FAYETTE STREET SHIPPENSBURG, PA 17257-0282 Phone: (717) 532-2147 ext220 51.00 FEE FGR ADDITIONAL RECEIPTS Tax Pager: DOROTFIY DYER ~~ ~ CU PO BCX 36 ~~' `1~` WALNUT 60TTOM, PA 17266-0036 rr~ . . Office Hours: TUESDAY 12-4:30 PM Bill No: 325 ADDITIONAL HOURS APRIL 29th,12PM- Bill Date: 311/11 4:30PM & JUNE 30,NOON-4:30PM Control No:33-3823 CASH ONLY AFTER 12/20/11 PHONE (717) 532-2147 ext220 OCC _ -- -- -COUNTY OF CUMBERLAND Discount Face Penalty ~! COUNTY PC $4.90 $5,00 $5.50 BORO OF SHIPPENSBURG - -_--" ,MUN PC $0.00 SU 00 50.00 ', MUN OCC -giQ.00 ---- -- 5~ G^ - -- - 50 0 TAX AMOUNT DUE $4.90 35.00 . 0 $ If Date Of Payment Is On 311/11 thr 30/11 5x1111 hr~; 6-30;11 -~~~ 11 or eater ~~ - -. - .. ..• .. - ~.. - -. .-. -..- ~•rr- .~ • • 'j ff.XPAYER'S COPY -KEEP THIS PORTION FOR YOUR RECORDS ~~omputer~t~ure UJ,1,272 ~Itllt~~~~l~illi'III~~IIlIIll~rll~~~lr~~rl~l~ll~ll'~Ilrrll~Ililll JUDITH A DYER EX EST DOROTHY M DYER 1931 JACKSON ST SAN FRANCISCO CA 9.4109 Comp~.:`e~~n~r'e-rus:Ccr ... .. ., 'rc~'idence, R.I C 9t0 ~'" Within USA, US tern?orias 6 Canada 83'c '~3".' ~-,~~ Outside USA, US tern ones ,- Ca:~rda 72 ~~'' . _ ~om<~ _, ~~~,r= nc _ ~_~ ,w,~~,, ~., .~ ~'i~~~_ __._~ (Go to Stockholder Services and then Registered Stock, _Ider nco_ssi International Business Machmes Corporatlcn is ncarporated under the laws of the 3tatr- of NY. Holder Account Number 00008783187 Company IG Ef~ T. Internationa!`Business Machines Corporation -Direct Registration (DRS) Advice Transaction(s) I Class ! Transaction Description 'I Total I, CUSIP ~ Description Date i ShareslUnits I - ____ 1,728.000 459200101 C~'nmo~ Stcc1 Transfer 11 Feb 2011 hccount information: Date: 11 Feb 2011 (Excludes transactions pending settlement) Certificate Current Dividend Current Direct Total CUSIP Sharesl Price Value (~) I Class Description Balance Reinvestment Registration I Units Per Share Held by You Balance Balance 000 0 1,728.00 1,728.000 163.850000 283,132.80 159200101 G r,~ro~ S,: c- 0 5, . IMPORTANT INFORMATION -RETAIN FOR YOUR RECORDS. TI s advice is your record of the share transaction In your account on the books of the Company as part of the Direct Registratan System. This advice is neuher a neyu'~°:, e i~, ~ ,1 nor ~ f,. y ~~~ J,i . ," r r o~ a f ~ fa ii; ~ 'a dx rezipiei i'. It should oa kept with your impurant documents as a record of your owuershlp of these shares. No ac0on on your pert is required. i c V ` r F n _,,frJ, ..;S r°quires that viz repot, tae cost oasis of certain shares acqula' onfinethodJae haveddefeurted to the first n, first oue(FbFOj method ,rP ease vis t our website or ,Of 5~'. y~. , nut u, °' t c' "' "' u o.k sed as rquested If ou did not s eafy a cost bas ~ y y ithout charge, a fu~.i statement of tyre designations, rights (including righs under any Company's Rights AyreemenL i >> ieftrc ..es °~~n, Ihn..a,,. ~' ~ i,.a ~' -' .r iv 4:s t.tr Can' an viol furnish to anp shareho~der, vis ~ s~ ~.. a,, hrorized to be issued, and the authority of the Board of Directors to divide the shares into series and to determine and change rights, preferences and ~im~tauons vi auy c tis ~~ se ~e n »c~.S aru i ~o: de(wsits of Compulershare and are not insured by the Federal Deposit Insurance Corpora!ion, Ore Securities Investor Proteclan Cor~~~ p~L~mB SUq 9Gl l0 SfdlB UflGlphPBd ptOpCrt)' IdwS and Ua ~ferr~d to Iha appropriate star I G~ -~ ~ , r `,I, .'il ~ ~~~~ ~, '~~~ r ~?Il' ~ ILi?CI'.~ ~~I~I~'~ ~,~ , ~„, ~~I~~t,"'Cltif;. ~~ ~t~~. .:Utl~'`;L ~J1C Elll<3CIlC(~ lI?f(11"Ill~l~'Oil S~IE'Cl }115 ~~CCII PI"(1~~l::IC~1 ?t1~~ ,_i~.~~, ~!C.,~ _ _ li~~, ~;Ettr ~~(~d~calh. ~~ ~ ~'L'£1 '~c'i~<l~1il1Ci11, AYE WI~~ IIOi he ~~~~e TO }~COVIC~C7 VpU Wll~l ~ Slc~tE111e111 'C~~CCllil~~'71~' i11f~C~ 1`,1'I^''. il' i~ ,ICt',- ~1~.'t'1 ~ i~aliS ~~t (,ll1G of ~Ce(~ll ~1000UIICS, CC11~T~C1 (~U1" ~~n~R ~C~JaCt]11Cill ~l~ 1-~(~1)-~'(~~-(ih~'l ~~~~r ~,!~~~,~ ~na~~_,i,ics. ~~le~~sc call 1 -~77-579-2667. ,` ~, //~ t'.,;., '' ~~Cc~s,~in~~ ....~_ .ifi?~' ~. ...., a i~l~~ .~: '~: l h)LIi~C1 - ___ _ _ -_ ~~ ui 1 rp~ __ _ . _ _ _. ~. ..~ .. ~,,.~~i~_ t. ~~UL? ~.ult lia(a~i~~~ pis ul DC)D - ~ -- . , Ii1tL: c~i _ ;.~1 i~i 61-~Ob~~ , ,~ ; ~~ - _ __ _ __ Dorothy :`.~1 Uc~.r ?/1? 199Q "lime Deposit; `~?O04 (~~- - - `_, __ -- -- S?U11~.-1 (, _ _-. ~4.r> ~~- o . ~_~ . ~~. ~ ~ . __ __ Ih>r~~th~. `,i U~.~~r - - _ -. :: ~,~ 1 unc Uc}~osits ._ :i~ . __ _ _ _ -- -- ~.. .. 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Title Date Op::ned ___ ~A.ccount Type I Principal Balance as of DOD ,_ --- !~ Interest from Last Posting to DOD ~'~ca~uni Balance as of DOD ~"TD Interest to DOD 6100902420 Dorothy M Dy 1/13/1995 Checking $5254.33 $.25-_ $5254.5 _ $ .54 N :account Nwnbcr '~ ~cc~unt Title --- - Date Opened _ __ Account Type Princi~~al Balance as of DOD ~~tc~c t from Last Posting to DOD account Balance as of DOD ~ _ _ YTD Interest to DOD 6100793214 Dorothy M Dy 3/29/1980 Checking $22359.57 $ .t4 $22359.71 $ .09 r.r R:..d ~:, ~ ~.:::0 Ullt ~ uIIlber '~ Account Title 614089764 Dorothy M Dy D~lte Opened j 8/1/1988 __ ~--- ~r~ccount Type I Principal Balance as of DOD Time Deposits $1000.00 _ ___ i:~~.:rest ii~uin Last Posting to DOD ~~ $ .82 _ _ '~ :'~c:,ount Balance as of DOD ~ $1000.82 ~- ~' l D h~terest to DOD i $ .85 _ _ __ ¢ u~ W U O ¢ o •- O~ ~ c~nm: "~- CV r~''i OOH--~N •Z Nn d~-+U^(.J~ I~ ¢ZPC~O ~o Na~O:.Q ~'~O O LL ~7 Z ¢ ~~~ ~~ ~~ _M o n ~~ ~~ W N V ~a o N N O W "~ •--~ F ~d. ~ NO a cwt ~~ O ~ ~ ~i V7 ~ M1 r-~ ~_- 1~- ~ f1Jl O O ~~~ O O I ® 0" ~~ O -~- m _~ o _- rl O ~~ pU ~ ~ ~~ r ~ ~~ ~ ~.~....~~. p O Q' ~~ O ~~~ m ~~ O ~~~ r9 ~~ O f~ \a ^~a i~-\ /