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07-05-11
J 1505610143 REV-1500 Ex `°"°' a~; OFFICIAL USE ONLY PA Department of Revenue pennsylvania County Code Year _ File Number Bureau of Individual Taxes oEFARTMENT OF REVENUE PO 60X.280601 INHERITANCE TAX RETURN 21 10 Harrisburg, PA 17128-0601 RESIDENT DECEDENT _ ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death 452 74 2610 10 O1 2010 Decedent's Last Name VERONIKIS (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Spouse's Social Security Number FILL IN APPROPRIATE OVALS BELOW Date of Birth 10 14 1922 Suffix Decedent's First Name MI HELEN Suffix Spouse's First Name MI THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS 1. Original Return ~ 2. Supplemental Return 4. Limited Estate ~ qa. Future Interest Compromise (date of death after 12-12-82) Decedent Died Testate 6' (Attach Copy of Will) ~ Decedent Maintained a Living Trust (Attach Copy of Trust) 9. Litigation Proceeds Received ~ 10• between l2 31 ~1 a tlit~datges~f death 3, Remainder Return (~9ate of death pnor to 12-13-82) ~] 5. Federal Estate Tax Return Required 8. Total Number of Sale Deposit Boxes 11. Election to tax under Sec. 9113(A) (Attach Sch. O) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephones Number NICOLE MARIE WEIGEL 717 540 4332 First line of address 2000 LINGLESTOWN RD SUI Second line of address SUITE 202 City or Post Office State ZIP Code HARRISBURG PA 17110 Correspondent's a-mail address: nweigel@hazenelderlaw.COm Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete. Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge. SIGN URE OF P RSON RESPONSIBLE FOR FILING RETUR DATE Catherine Kastanas C'.a /~~ ~' ~I ADDRESS 3 Briargate Road, Mechanicsburg, PA 17050 _ SIGNATURE OF PREPARER OTHER THAN REPRESENT IVE )ATE -~ j Ccl r}/l C Nicole M. Weigel ~ ,2 Q ~ ADDRESS 2000 Linglestown Road, #202, Harrisburg, PA 17110 _ Side 1 REGISTER OF W'ILl_S USE (3AtLY ~ ~.~ ~_ (~- ~ ~. ~_ __ __' rTZ I .:, -. ~_ ~._} -`~ 1 -, ,-___ .~w. DA~I"QED ; -~-, .. r ~1,-7 ~._~ ~ _;~ C~.. ) h _-+ .~ =.,: , ~~ r,-°~ _-..# ;; -T) .``r'1 --r~t ~~ 1505610143 1505610143 PA Inheritance Tax Return Signature of Additional Fiduciaries ESTATE OF FILE ~IUNVIBER Veronikis, Helen 21-10 Under penalties of perjury, I declare at I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is tru , co rect and complete. Declaration of preparer other than the personal representativES is based on all information of which preparer h s an. knowledge. Signature #2 /~= _ Name Dennis Veronikis _ Address1 5220 Windsor Blvd. _ Address2 City, State, Zip Mechanics ~~ z Date PA 17055 /~ J 1505610243 REV-1500 EX Decedent's Social Security Number DecedenYsName: ~/el'OtIIkIS, Helen 452 74 2610 RECAPITULATION 1. Real Estate (Schedule A) ....................................................................................... 1. 2. Stocks and Bonds (Schedule B) ............................................................................. 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C)......... 3. 4. Mortgages 8~ Notes Receivable (Schedule D) ........................................................ 4. 5~ Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ............... 5. 2 , 8 9 7 . 9 0 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested............ 6. 4 8 , 6 6 6.18 7. Inter-Vivos Transfers ~ Miscellaneous -Probate Property uested Re arate Billin ~ Se 7 ............ g q p (Schedule G) . g. Total Gross Assets (total Lines 1-7) ..................................................................... 8. 51 , 564.08 9. Funeral Expenses 8~ Administrative Costs (Schedule H) ....................................... 9. 5 , 8 2 5 . 4 5 10. Debts of Decedent, Mortgage Liabilities, 8~ Liens (Schedule I) .............................. 10. 531.50 11. Total Deductions (total Lines 9 & 10) ................................................................... 11. 6 , 35 6.95 12. Net Value of Estate (Line 8 minus Line 11) .......................................................... 12. 4 5 , 2 0 7.13 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made (Schedule J) ............................................... 13. 14. Net Value Subject to Tax (Line 12 minus Line 13) ............................................... 14. 4 5 , 2 0 7.13 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 15 O . 0 0 (a)(1.2) X .00 16. Amount of Line 14 taxable 4 5, 2 0 7.13 16. 2 0 3 4. 3 2 ~ at lineal rate X .045 17. Amount of Line 14 taxable 0. 0 0 17. 0. 0 0 at sibling rate X .12 18. Amount of Line 14 taxable 0 0 0 18. 0. 0 0 . at collateral rate X .15 19. ................................................................................................ Tax Due .................. 19. 2 , 034.32 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. ^ Side 2 1505610243 1505610243 REV-1500 EX Page 3 r,..w...Jwr.+lc~ r~,,.v,.,~e~A ee~r~IP~CC' File Number 21-10 ~....~_._..- - -----r---- - - DECEDENT'S NAME Veronikis, Helen ___ STREET ADDRESS 5216 Oxford Drive __ CITY STATE ZIP Mechanicsburg PA _ 17055 Tax Payments and Credits: 1. Tax Due (Page 2, Line 19) 2. Credits/Payments A. Prior Payments B. Discount 0.00 3. Interest 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Check box on Page 2 Line 20 to request a refund 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (1) Total Credits (A + B) (2) (3) (4) (5) 2,034.32 0.00 2,034.32 Make Check Pa able to: REGISTER OF WILLS, AGENT. . .. ,, .~ ~t. ~ .. ..... 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 :............................................................................... ^ 0 b. retain the right to designate who shall use the property transferred or its income :................................. ^ c. retain a reversionary interest; or ............................................................................................................... ^ 0 d. receive the promise for life of either payments, benefits or care? ............................................................ ^ 0 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? ................................................................................................................... ^ 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death?....... ^ 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? .................................................................................................................. ^ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT A,S PART OF THE RETURN. f , ,.,, _ ___ For dates of death on or after July 1, 1994 and before Jan. 1, 1995, the tax rate imposed on the net value of transfers to or far the use of the surviving spouse is 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 0 percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: • The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is 0 percent [72 P.S. §9116 (a) (1.2)]. . The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent, except as noted in 72 P.S. §9116 1.2) [72 P.S. §9116 (a) (1 )]. . The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent [72 P.S. §911 Ei (a) (1.3)]. A sibling is defined under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. Rev-1508 EX+ (6-98) SCHEDULE E ~~ CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Veronikis. Helen 21-10 - Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the right of survivorship must be disclosed on schedule F. (If more space is needed, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule E (Rev. 6-98) Rev-1509 EX+ (6-98) SCHEDULE F ,~ COMMONWEALTH OF PENNSYLVANIA JOINTLY-OWNED PROPERTY INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Veronikis, Helen 21-10 _ If an asset was made joint within one year of the decedent's date of death, it must be reported on schedule G. SURVIVING JOINT TENANT(S) NAME ADDRESS RELATIONSHIP TO DECEDENT A. Catherine Kastanas 3 Briargate Road Child Mechanicsburg, PA 17050 g. Dennis Veronikis 5220 Windsor Blvd. Child Mechanicsburg, PA 17055 C. JOINTLY OWNED PROPERTY: ITEM NUMBER LETTER FOR JOINT TENANT DATE MADE JOINT DESCRIPTION OF PROPERTY INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR IDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY-HELD REAL ESTATE. DATE OF DEATH VALUE OF ASSE % C!F DECD'S~ INTER.ES~T DATE OF DEATH VALUE OF DECEDENT'S INTEREST 1 A 8~ B 12/19/2008 5216 Oxford Drive, Mechanicsburg, PA 17055 146,000.00 33.333% 48,666.18 - See attached appraisal TOTAL (Also enter on Line 6, Recapitulation) I 48,666.18 (If more space is needed, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1.'i00 Schedule F (Rev. 6-98) REV-1151 EX+ (10-06) ~~ COMMNHERITANC~EOT~ RETURNANIA RESIDEN DE EDENT SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER Veronikis, Helen 21-10 _ Debts of decedent must be reported on Schedule I. ITEM DESCRIPTION AMOUNT NUMBER - A, FUNERAL EXPENSES: See continuation schedule(s) attached I 720.00 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Street Address City State Zip Year(s) Commission paid 2. Attorney's Fees Hazen Elder Law 5,000.00 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Claimant Street Address City State Zip Relationship of Claimant to Decedent 4. Probate Fees 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. Other Administrative Costs 105.45 See continuation schedule(s) attached TOTAL (Also enter on line 9, Recapitulation) 5,825.45 Copyright (c) 2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule H (Rev. 10-06 SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Veronikis, Helen 21-10 - ITEM NUMBER DESCRIPTION AMOUNT Funeral Expenses 1 Cocklin's Funeral Home -Funeral Expenses 100.00 2 Funeral Luncheon -Brother's Restaurant 260.00 3 Holy Trinity Church -coffee service for Memorial 50.00 4 Holy Trinity Church -Flowers for Memorial Service 60.00 5 Holy Trinity Church - Koliva for Memorial Service 100.00 6 Romberger's Memorial -inscription on headstone 150.00 H-A 720.00 Other Administrative Costs 7 Clauser Appraisers -Appraisal on Decedent's real property. 100.00 8 Hazen Elder Law -Disbursements 5.45 H-B7 105.45 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1!i00 Schedule H (Rev. 6-98) Rev-1512 EX+ (12-08) SCHEDULE 1 4 DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Veronikis, Helen 21-10 _ Report debts incurced by the decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expeansc:s. (If more space is needed, additional pages of the same size) Copyright (c) 2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule I (Rev. 12-08) ~~ SCHEDULE J COMMNHERITANC ~~RETURNANIA BENEFICIARIES RESIDENT DECEDENT ESTATE OF FILE NUMBER Veronikis, Helen 21-10 - NAME AND ADDRESS OF RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE NUMBER PERSON(S) RECEIVING PROPERTY DECEDENT Do Not List Trustee s (Words) ($$$) I TAXABLE DISTRIBUTIONS [include outright spousal • distributions, and transfers under Sec. 9116 a 1.2 Catherine Kastanas Child One half of the 3 Briargate Road residue of the Mechanicsburg, PA 17050 estate. Dennis Veronikis Child One half of the 5220 Windsor Blvd residue of the Mechanicsburg, PA 17055 estate. Tota I Enter dollar amounts for distributions shown above on lines 15 throu h 18 on Rev 15 00 cover sheet, as a ro riate. _ NON-TAXABLE DISTRIBUTIONS: II. A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKI.N B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEE ~ ( Copyright (c) 2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule J (Rev. 11-08) r~nl~.;~~ :~ xr_.v ru.r°~i; LOCAL REGISTRAR'S CERTIFICATION OF DE~~ITH WARNING: It is illegal to duplicate this copy by photostat or photograph. Fee for this certificate, $6.00 ,~«~"""""-- This is to certify .that the information here given ~,~~p~ZH OF p f~; ,,~ .y =__ e ~ - lam, /,~ ..- - ~ v y~ 2+. * ~ * `,. - p = = ~, correctly copied Born o~n original Certificate of Dear duly filed with ~rne as Local~~flegi>strar. The origin, certificate will be te)rw~arded to 'ale Slate. `Vita Records Office for permanent filing. '~~~ P 16738667 "`9jMENt 0~~~''~ Certification Number """""""""'"~ Local Regi Date Issued v I I/?jjE/ COMA101,MrEALT1# OF PEPQNSYLYAEIM • I?EPARTME/JY OF HEALTH • VITAL RECOR.D3 ~~~ CERTIFICATE 4F DEATH (5re 1asLruatlons end txamptes on rttierse) sY~tF rye wlnle~ea I. meA a ~t q..t nYefAe, -,e,. aaal V ~: se 5.9oed S.omM NMre~r a aa, d t7eNe fYeelli. may. rM/ Helen Yeronihis F 452 - 74 - 2610 October 1, 201a 5 b Rad HhOid~) IFAa 1 l)~aer 1 a 6. Oeb 91 D_1T_~IM'.b, dsY. Y~•i) _ 7. NiA end fbEe of i W. f'ttoe d DfA1 E!i/Is Ory. 4oeo Mre~w I kiY7iF. t1R~er- 8 7 Yom. Qc Co ber i 4 ,1922 Gulfport , MS _ O (~ en ~ oe~.lw~f] ow ®Nl.re~ /w~/. D r~...w~ G on. • aP.~r: ~ ~ renry ~ oeea ea c~Y, eao. TNV d Deer ~d. feclq tblee p' na ~n+Mdien, q...,a.t snd eeofodl a +~-. Oeu(Irt 1f IDyM'! hp rs is~a.e. ~.rr~ -.s...e-r~. w1a., +re. ~ >a aah c~1M, I, ~.y~~ Gusbsarland ~ g.Pennsboro 'hip. Golden LtvinB Center tr.rnr,wrba-~r,d/d iTllfta 1 L Decedn~sUssl drroM dow ~ noel N P. Oe,id n. M.. aeK-+H «a M rn t3 Bec+lml! Elwllcn IS~iY ~/ ~4~ P•~ ~•MI•~ (l ~~ Ned M~MII tS S.~.Me9 So.M N wp. ,'~1+ wr1~ writs ana.rwex IG~edP~.t'edtl~cty u.s Annee ffKl~ Plmmrr~nry r sncende7 N-r21 ~ ~)~ p St> R9+KM Nouseyifsi Horms:~alcer C3 r« C~ rib u/lt !fiidss~xsd _ 1GOec~MohWifwl,tedwes~AwN,etrJt7ww,Nffnprrl~ ~rra+.~ac I~,.swl. PennsTlvania d Drive 5 216 O fo ~. 11QLT'IN,OKi/pll~•i!M Lo~as:x' Allen Tvp._-----r,,,P --- r x ?iechanicsbarg, PA 17055 t~b.cz.ntr Cunl~erland I~ Q ~. ~ Ue/e.InNe >~.ru~.d ~~ 1RFar~rt'tMw~iflAilrli.InlslltM taAkilrAFLnef'e.lwrY/b,~riiNraMww~ --~----..^~. ~----~--------"~ Cat6ssrt~e Psln~arai3s Jonas AbassJ_ - - -- -- ---- _ aa. -,kxswrs Ilesf (fyrr J v~q ata. hAOmfrlrs way waa. tenet crgr rwtin /tot., ey dny 2irs. Catherine P. iCastanas 3 Briargate Boast. lScs:hanicrtbur~, PA 17055 2taAAtaedtMOp~i'a+ ~ ^C3dr~Ikrt ^Dolwwoo 2+e.cW.lOk,esKeeWe+N.3r.r~l 2krbd Qgwein`~lussslfM~eh.C7u111WirMVhilpl~ea 1ldlMrliO.i<JNIIIM.a~A,~-NWl ~ ~°'" ~ A°'"°"°I`'""'~1d'' ~ ~,,,d ;,°,,;~G,"I'°„~`,","'°''''[] Y.,p October 4, 2UlU Uillsburg Gemrtery-Mt .Rued _ Dillsburg, PA 17019 ae. ~ x,K.l . Gten. rh.,+.~ az. re,r,. eMld/rss ~ Feo+iv Cot>l;.lin Funeral Home , IBC . PP-01275-L 30 N. Chestnut Street Dillsbur PA 1'701.9 CaMleuRss2drsrlyi~+., lls d d fA O i k d A 7J-1oe.,Deefd«Sfnn~ieg~Ieelf+nornwiatafine,/esterdpreslaledl3W~HwendtAYr) bbLdMpMII'4w .,1 2~t,?awSgibt!'~.~+)~? N.a e e e [vl M pdj ~ «~Y esf-ardfsR ~ ~~~~ L >C~'irJbt~ «~ 24.+~ esd er ~wr w e«.~ z, rrw,t oe~ ~. Ue+r ,~ c»el MGM, tiI, Ye•4 2d 1rr pae Nek~s/ A Mtlatd EsomMr ~ aw.e. for . Newri ORer ,.. cw~eslan w owa. t cwuse or oe~n+(a..ar~-ua~rwr.ne.x..wr.) /crw~,~.:rK.T a er.« za ,~ ~"Tio-'~.,. 11e~ 2T rM h F/v ~C-h~.d.lY'!5- ~ ~. of a -IAet ~ EsseeN'n Ndk p0 NOr aNer NoonN ones .AKh ac eWec sees4 ~ ~>v[t b Grew tMl sd ng~YNy Mtns w tatof ~/rrn tw htt. r-l ~ Yds t...a ths0tlf bwK •t.enwkrh Ilbrtl~Roe d~cM eMN~g 1,e siolot7. Ld'~'M ens use ow irA A.~ +*Yr wY $N. ~ Ueleuws ~~ jj ~~r~µµ ~~~ ~ ~~ a.~oo~oemM ~day~b ~ R , e. ~ 'LJ NC1 1~14i-f11 W~ ~.M fanr 1. td aia > lea ~ . ~ . ~ , ~ U r'~sw~tlab,.dwh r 1~ IaaalMtas~ rale~ a / i ~r~-rta-"- r ,e~ a - ~ p~6j~1~ I esw~Aed ^ Md ~y+er~t wa pq~lwpi~r?cys ~ M Dr _ 1~G. L~.e le (a.i yc a u~q~on- alb ao»M .,...i~eY Mtls-dfw ,~ve,d.,~j.w.r~usr. ° ; ~ -~let Mr9~K ~vnlggl~lt~3~ree l rex n~f ~. ~ ,s . csi..~vww. ~ , Esbw /-M1 4 _---- - -- . ^ tAr~nswtp~e/seKnIlilMpen/rr W- ~1nd. Htb~. ~ Ylis an Alyp ~1.11sw Ragpt-FNWi Jt bYrb N Ds/in 72e- Qer of p.ry ~J1a o, /q, Yer) 1¢A OsenM-tow M{ory Cbey~w/ 9~a P I P.a...rr n..ra. weu »r~.~. ,wK,, D -uer,tw dCs~edDeefe O ~. 1~/ ~ _ _ ~~ff ^ 1YCdNett L J -easnikxa~lrA^ ~ 1"xn+! rA M~- ale. It~- of IMeACt ]Zt A l nNpwhlKe tywY 3Yt1, taus~tr~ d MrY ~NStA, d1' f N'tI/t C~pq ^~ ^ ' i tu b . Yes ill W UM~ett•.)ywia ^paew.~et QPldlstiM I ------- XaoArir(Ib/tnMoMe) :oe. TILE! ~~fMIME"~°o^~MgMSddad~val~ssa~oMuPh~iosalnsasr.~wiudhWalN~«~aYeersxat~ ledhoeevnMMbbeet•N~oMwwx.wstebl kM w ~ T Mb ~ ~ ~ ~ ~- '~ e l g ________ l f l~••~~1'bM ' ~^ bM Pf dee1~ slMCwOyYyb osre.d tls.'MO xe lbrwe Meo-er ~d Mw Surd . /•l, yorQ '-- 7-Iib belt eleey kwydOol lefts eccwn/d1A-em-, bY4 sea dueblhf ewrW ease nanwrdo/e/_-'--'---" - - - - -- - ll ~~ L' ~ ~~(' t~ d • ~ y ~ 3- ~ ~-'o - ~_ IYrAed AlnoM~eelC.ee..r OorM-tsbo/ersl.Mdleos+/l.rl e, InerryoYl oee.r»e,<,b.w».de..,M/el,~..,.~s~.b~M,~~..M<.+nm.n.~..r~aa. n o..nrT..w a~Ywor~~d~~`y~ao~n ~*rr.~ra-r,~ ;b. ' Y =~A ttlq I 'fh Oo-F.d((Ae~.yrA, My.Ysr) ~- _ ~ o Z C Z~^1 /' .rC~ S/ 7 ,~/. - --- ~~l.,y,,v ~,r r~ ~ -~ v ~ ~/ ~,,,~,~,,,,ti„,~ `0534334 ~ _ NO~1-23- 1 0 TUE 13 1 : 44 PM FASTANASFHEAT I NE-AND4-A I RE- 6'5733 1 30~ :3 0 P . 01 • ~ •- •• I• 1 1 1 CATHERINE P KASTANAS COST Acc~ounf # 7 051952585 HELEN VERONIKIS BENEF Balances Be innin Balance ~ ~ ' " ~ ~ ~ $448.04 Currenl~f3afance $302 43 DepositslCredits + $0.00 Average Daily Balance _ . $332 91 Wiihdrawals/Debits - $145.61 . Checks Posted Check # Date Pald Amount Reference Check # Date Paid Arnount Reference E115 _ 09/24 . _ $47,.51 ~ ~ VEI~IZON AR 1 i 7 ~ _ 09124 $37.•19 617088810 118 09!30 $40.51 990567810 118 10h 3 $20 00 .. 973223200 4 Check(s) Posted • 5945.61 An asterisk (') indicates a skip in sequential check numbers. Account Activity Date Description An (E) indicates check was converted to an electronic item. Additions Subtractions Balance 09-22 Beginning Balance 09-24 VERIZON ARC CHECK ('YM7100923 ~" "' ' $448,04 $47.91 0115 $400.13 09.24 CHECK 117 09-30 $37.19 CHECK 6 $362.94 10-13 $4rJ.51 CHECK 118 $322.43 10-21 $20.00 Ending Balance $302.43 $302.43 Ii~1 CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFEaS CAi.I, YOUR CUSTOMER SERVICE CENTER AT TI IE NUMBER SHOWN ON 'i'H ' E TOP OF YOUR STATEMENT UR WRITE 'r~U TH1-: [3ANK FOR DEBIT CARD ISSUES: Sovereign [3ank Attn: Card Dispputes Team MAl MB3 02 t}S P.O. Box 831002 Boston MA 02283-1002 FOR ALL OTHER ISSUfiS: Sovereign Flank Attn: Client Relations 10-421-CR ll P.O. BOX 1264ti RFADINC;, PA. 19612-2646 Please contact as if you chink your statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt. We must hear f ~otn you no later than 60 days a$er we sent you the FIRST statement on H°hich the error appeared. • Tell us your name and account number. • Describe the error or the transfer that you are unsure about and eXpl2iin »s clear!}• as you can ~~hy ~ Tell us tl~e dollar amount of the suspected error. you believe there is an error or why you need further information. 1f you tell us orally, we may require you to send your complaint or question in writing within 10 business days. We will.promptty investigate the matter and call or write to you with an answer within 10 business days (10 calendar da s in Mass~ichuse[ts). !f a•e need more time, we may take up to 4S days to investigate your complaint or question, (f a-e do, vre ~•iq credit your account within this 1~-day period for the amount you think is in error, so you wtll have the use of the money during the time rt takes us to complete our investigation. [f we ask you to put your complaint or question tit writing and we do not receive it within 10 business days, we may choose not to credit your account. I~or errors involving new accounts, point of safe purchases or foreign transactions, we may take up to 90 days to investigate your co~mpiaint or question. F•'or neH accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results of our investigation within 3 business days after completing our investigation. if we decide there -vas no error, we wilt send you a written explanation. You may ask for copies of the documents we used in our investigation. Important information about your Sovereign Debit Card The networks [l~rough which some of your Sovereign Debit Card purchases are processed have begun allowing merchants to process your purchases witi~out either a signature or a PIN, Ifyou are not required to enter your PIN when you make a purchase, your~ ppurchase may be proxessed either througl- the Visa network or through the STAR or NYCF, networks. tf}'our purchase is processed through STAR or NYCE, different terms apply and you wit! not be eligible I'or the rights and protections available through Visa. Please see your Personal Deposit Account Agreement for more information. pagt'. 2 of Z I05 / 1525$5 M~rTSar-k 499 Mitchell Road, Millsboro, DE 19966 Adjustment Services Hazen Elder Law 2000 Linglestown Road Suite 202 Harrisburg, PA 17110 Re: Estate of Helen Veronikis Social Security: 452-74-2610 Date of Death: October 1, 2010 Phone 888-502-4349 F ax (302) 934-2955 November 2, 2010 Dear Sir or Madam: In response to your request, please be advised that at the time of death, the above-named decedent had on deposit with this bank the following accounts: 1. Type of Account Account Number Ownership (Names of 7 Opening Date Balance on Date of Death Accrued Interest Total Checking Account 9849838702 Helen Veronikis 04/29/10 $2, 059.57 $ 0.00 ,~ *We were unable to locate any safe deposit box for the above-mentioned decedent. **For further account information, dosures and/or reimbursement of funds please call the Mechanicsburg Office at #71ry-255-2031. ***T'his letter does not indude any aooounts in which the deceased may have been listed as Power of Attorney, Custodian off Uniform Transfers, Representative Payee, or Trustee under a Written Agreement S' c rely, Suz e M Kimble Adjustment Services ~~ . ,; yt$ ~a~~~wr~i~ua~~~~raar~r~~~~~ Main File No.11-0628 P'.-1 Pa a #1 APPRAISAL OF REAL PROPERTY LOCATED AT: 5216 Oxford Dr. Deed Book 20084 Page 223 Mechanicsburg, PA 17055-3510 FOR: Catherine Kastanas 3 Briar Gate Rd. Mechanicsburg, PA 17050 AS OF: 10/1 /10 BY: Dennis L. Stover PA Certified Residential Real Estate Appraiser Cert~cation Number RL 138906 Clauser Real Estate Appraisals PO Box 777 Camp Hill, PA 17001-0777 Form GA1 - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Main File No. 11-0628 R.-1 Pa a #2 Catherine Kastanas 3 Briar Gate Rd. Mechanicsburg, PA 17050 Re: Property: 5216 O~6ord Dr. Mechanicsburg, PA 17055-3510 Client Catherine Kastanas File No.: 11-0628 R-1 In accordance with your request, we have appraised the above referenced property. The report of that appraisal is attached. The purpose of this appraisal is to estimate the market value of the property described in this appraisal report, as improved, in unencumbered fee simple title of ownership. This report is based on a physical analysis of the site and improvements, a locational analysis of the neighborhood and city, and an economic analysis of the market for properties such as the subject. The appraisal was developed and the report was prepared in accordance with the Un"rform Standards of Professional Appraisal Practice. The value conclusions reported are as of the effective date stated in the body of the report and contingent upon the certification and limiting conditions attached. It has been a pleasure to assist you. Please do not hesitate to contact me or any of my staff if we can be of additional service to you. Sincerely, ~,~~ '~ i i Dennis L. Stover PA State Certified Residential Real Estate Appraiser Certification Number RL 138906 Main file No. 11-0628 FI-1 Pa e # Lender/Client Catherine Kastanas file No. 11-0628 R-1 _ Pro a Address 5216 Oxford Dr. Cit Mechanicsbur Coun Cumberland State PA Zi Code 17055_3510 Borrower Catherine Kastanas TABLE OF CONTENTS Cover Page ............................................................................ Letter of Transmittal ............................................................... Table of Contents ................................................................... Summary of Salient Features .................................................. USPAP Identification .............................................................. GP Residential ........................................................................ Subject Photos ........................................................................ Interior Photos ....................................................................... Photograph Addendum ............................................................ Building Sketch (Page - 1) ...................................................... Comparable Photos 1-3 .......................................................... Location Map .......................................................................... Plat Map .................................................................................. Appraisal Addendum -Special Conditions .............................. Statement of Limiting Conditions ........................................... Electronic Signaturre Compliance ............................................ Certificate ................................................................................ Qualifications ....................................................................... Qual'dications .......................................................................... Invoice ................................................................................... Form TOCNP - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Main file No. 11-062~R~-1 Pa e #4 SUMMARY OF SALIENT FEATURES Subject Address 5216 Oxford Dr. Legal Description Deed Book 20084 Page 223 City Mechanicsburg County Cumberland State PA Zip Code 17055-3510 Census Tract 42041-0111.00 Map Reference 25420 Sale Price $ NA Date of Sale NA Lender/Client Catherine Kastanas Borrower Catherine Kastanas Size (Square Feet) 1,120 Price per Square Foot $ Location Suburban Age 51 Condition Avg Total Rooms 6 Bedrooms 3 Baths 1.5 Appraiser Dennis L. Stover Date of Appraised Value 10/1 /10 Final Estimate of Value $ 146,000 Form SSD - "WinTOTAL"appraisal software by a la mode, inc. -1-800-ALAMODE GEORGE CLAUSER Main file No. 11-OEi28 fi-1 Pa a #5 Lender/Client Catherine Kastanas File No. 11-0628 RR=1 Pro a Address 5216 Oxford Dr. Cit Mechanicsbur Coun Cumberland State PA Zi Code 17055-3510 Borrower Catherine Kastanas - APPRAISAL AND REPORT IDENTIFICATION this Appraisal Report is t?Il~ 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 ony by the reported assumptions and limiting conditions and are my personal, impartial, and unbiased professional analyses, opir>ions, and conclusions. • I have no (or the specrfied) present or prospective interest in the property that is the subject of this report and no (or the specified) personal interest with respect 4o the parties involved. • 1 have no bias with respect to the property that is the subject of this report or 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 made a personal inspection of the property that is the subject of this report. • 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 is stated elsewhere in tl>is report.) Comments on Appraisal and Report Identification Note any USPAP related issues requiring disclosure and any State mandated requirements: SCOPE OF WORK - The sco a of work for this a raisal is defined b the com lept of this a raisal assi nment and the re ortin re uirements of this a~ raisal form includin the definition of market value a statement of assum tions and limitin conditions and cert~cations. The a raiser has at a minimum: 1 erformed a com lete visual ins ection of the interior and exterior areas of the sub ect roe 2 ins ected the ne~hborhood, 3 ins ected each of the com arable sales from at least the street 4 researched verified and anal eel data from reliable ublic: and/or rivate sources and 5 has re orted his anal is o inions and conclusions in this a raisal re ort - The a raisal is based on the information athered b the a raiser from ublic records other identified sources ins ction of the sub'ect ro ert and nei hborhood and selection of com arable sales within the sub'ect market area. The on final source of the com arables is shown in the Data source section of the market rid, alo with the source of confirmation, ff available. The on final source is resented first. The sources and data are considered reliable. When conflicti information was rovided the source deemed most reliable has been used. Data believed to be unreliable was not included in the re ort nor used as a basis for the valuation conclusion. __ APPRAISER: Signature: ~---- ~ ~~~~ Name: Dennis L. Stover Date Signed: 06/28/2011 State Certification #: RL 138906 or State License #: State: PA Expiration Date of Certification or License: 6/30/2013 Effective Date of Appraisal: 10/1 /10 SUPERVISORY APPRAISER (only if required: Signature: - Name: - _ Date Signed: __ State Certification #: __ or State license #: ___ _ State: _ Expiration Date of Certification or License: __ Supervisory Appraiser inspection of Subject Property: ^ Did Not ^ Exterior-only from street ^ Interior and Exterior Form IDO6 - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE GEORGE CLAUSER Main File No. t1-OE~28 Ft-1 Pa a #6 RFSIIIFNTI~I APPRL11SA1_ SUMMARY REPORT Summary Report FiIP No.: 11-0628 R-1 '- Pro a Address: 5216 Oxford Dr. Ci Mechanicsbur State: PA Zi Code: 17055-3510 ~_ County: Cumberland Le al Descri lion: Deed Book 20084 Pa a 223 Assessor's Parcel #: 13-24-0793-110 __ Tax Year: 10-11 R.E. Taxes: $ 2 962 S ecial Assessments: $ NA Borrower if a licable : _ Current Owner of Record: The Estate of Helen Veronikis Occu ant: Owner Tenant Vacant ^ Mantnlactured Housi Pro'ect T e: PUD Condominium Coo rative Other describe HOA: $ NA er ear r month Market Area Name: Lower Allen Tw . Map Reference: 25420 Census Tract: 42041-0111.00 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 'd not Current, see comments : Current the Ins lion Date is the Effective Date Retros ective Pros ective . A roaches develo for this a raisal: Sales Co arison A roach Cost roach Income A roach See Reconciliation Comments and' Sco a of Work Pro ert Ri hts raised: Fee Si le Leasehold Leased Fee Other describe _ Intended Use: The intended use of this appraisal report is for the client to evaluate the property that is the subject of this appraisal to establish a fair market value. Intended Users b name or e : The intended user of this a raisal re rt is the client and no other users are intended. Client: Catherine Kastanas Address: 3 Briar Gate Rd. Mechanicsbur , PA 17050 _ raiser: Dennis L. Stover Address: P. O. Box 777 Cam Hill PA 17001-0777 _ Location: Urban Suburban Rural Predominant One-Unit Housing Present Land Use Change in I..and Use Built up: ®Over 75% ^ 25-75% ^Under 25% Occupancy PRICE AGE One-Unit 85 % ^ Not Likely Growth rate: ^ Rapid ®Stable ^ Slow ®Owner $(000) (yrs) 2-4 Unit 5 % ^ Likely * ~~ In Process Property values: ^ Increasing ®Stable ^ Declining ^ Tenant 70 Low 0 Multi-Unfit 5 % * To: vacant land to Demand/supply: ^ Shortage ®In Balance ^ Over Supply ®Vacant (0-5%) 1 000 Hi h 150 Comm'I 5 % residential development Marketin time: ®Under 3 Mos. 3-6 Mos. ^ Over 6 Mos. Vacant >5% 165 Pred 35 % Market Area Boundaries, Description, and Market Conditions (including support for the above characteristics and trends): The subject neighborhood i:s the Lower Allen Twp area of the West Shore School District Shopping schools and churches are located within 10-15 minutes of the property. Full service shopping is available at the Camp Hill and Capital City malls approximately 10-15 minutes. Public school students attend the West Shore District Employment centers are located in Harrisburg Camp Hill York and Mechanicsburg. Market conditions in the sub~'ec;t neighborhood are considered moderately active with low mortgage interest rates being the primary catalyst. Sales in recent weeks have been moderately active Typical financing for residential properties includes 80% to 90% loan 1-3 points 5.5-6.5% mortgage interest rates for up to 30 years Typical marketing time is between 30 and 90 days. Dimensions: 75 x 110 x 75 x 110 Site Area: .19 Acres Zoning Classification: Single Family Established Residential Description: Residential _ Zoning Com liance: Le al ^ Legal nonconforming grandtathered ^ Illega!I^^ No zoning Are CC&Rs a licable? Yes No Unknown Have the documents been reviewed? Yes ^ No Ground Rent 'rf a licable $ _ / Highest & Best Use as improved: ®Present use, or ^ Other use (explain) ___ Actual Use as of Effective Date: Residential Use as appraised in this report: Residential Summary of Highest & Best Use: The highest and best use of the subiect is the present use. ' `Utilities Public Other Provider/Description Electricity ® ^ PPL Gas ^ ® NA Water ® ^ Public Sanitary Sewer ® ^ Public Storm Sewer ® ^ Yes Off-site Improvements Type Public Private Street Macadam ® ^ Curb/Gutter Concrete ® ^ Sidewalk Concrete ® ^ Street Lights None ^ ^ Alle None ^ ^ Topography Avg Size Avg ____ Shape Rectangular Drainage Avg View Avg _ Other site elements: ^ Inside Lot ^ Corner lot ^ Cul de Sac ^Under round Utilities ^ Other describe _ FEMA Spec'I Flood Hazard Area ^ Yes ®No FEMA Flood Zone X FEMA Map # 42041 C0278E FEMA Map Date :3/1 Ei/2009 Site Comments: There are no apparent easements encroachments special assessments slide areas or illegal or legal nonconforming uses known. __ General Description # of Units One ^ Acc.Unit Exterior Descripton Foundation Concrete Block Foundation Slab 0 Basement ^ None Area Sq. Ft. 1 120 Heating Type F1NA # of Stories 1 Exterior Walls Brick/Alum Crawl Space 0 % Finished 35% Fuel Oil Type ®Det. ^ Att. ^ Roof Surface Shin le Basement Full Ceiling BlkTile/0 en ~: Design (Style) Ranch :. ®Existing ^ Proposed ^ Und.Cons. Gutters & Dwnspts. Aluminum Av Window Type DbIHn /Casemt Sump Pump ^ NA Dampness ^ No Evidenc Walls Panel/Block Floor Blk Tile/Con _ Cooling Central Central Actual Age (Yrs.) 51 Storm/Screens Insulated/Exist Settlement No Evidence Outside Entry NA Other __ Effective Age rs. 20 Infestation No Evidence Interior Description Appliances ,y Floors Hdw/C Win I Refrigerator ^ Walls D all Range/Oven ® Attic ^ None Stairs ^ Drop Stair ^ Amenities Fireplace(s) # Woodstove(s) # Patio Patio Car Storage ^ None Garage # of cars ( Tot.) Attach. _-_ TrirNFinish Wood Disposal ^ Scuttle ® Deck Detach. ____ Bath Floor Vin I Dishwasher ^ Doorway ^ Porch Enclosed Rear Btt.-In __ ' Bath Wainscot Fiber lass FaNHood ® Floor ^ Fence Link _ Carport ____ Doors wood Microwave ^ Heated ^ Pool Driveway ____ Washer/Dryer Finished Surface Finished area above grade contains: 6 Rooms 3 Bedrooms 1.5 Baths 1,120 S uare Feet of Gross Livincl Area Above Grade ~~ Additional features: Dwelling appears to be in average condition. The kitchen is dated with older cabinets and an older cooktop. Thee wall oven <: is newer. __ Describe the condition of the property (including physical, functional and external obsolescence): Subject is a style dwelling in average condition with a one car z~ carport. Physical: Depreciation due to age and condition. The floor coverings hardwood and vinyl are worn and should be either refinished or replaced as necessary. There is some deterioration in the driveway and there surfaces on the exterior that need prepped and painted. ' `Functional: The electrical service is an old 125 AMP fuse box. External: No adverse locational features noted. This report is NOT 2i home inspection and the appraiser only performed a visual inspection of accessible area and that the appraisal cannot be relied upon to disclose conditions and/or defects in the property. The estimated cost to cure is $5 000. -_ ~1 Copyright© 2007 by a la mode, ne. This form may be reproduced unmodified wdhout written permission, however, a la mode, inc. must be acY,nowlaogea and creartea. I`tl:.'11.J Form GPRES2 - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE 3/2007 Main File No. 11-0621-1 Pa e #7 R~CIIIFAITIAI APPR~IS~I St1MMARY REPORT SummaryFteport Ft~ N~ ~ 11-ns28 R-1 ^ ~r.v^r ~^ ~ - - ~~ '~ 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 Sources : Cumberland Coun Tax Assessment Office -- o 1st Prior Subject Sale/Transfer Anatysis of sale/transfer history and/or any current agreement of sale/Gsting: _- _ Date: Not in the last -- ~' Price: three ears. - Source s : CCTAO - ' 2nd Prior Subject Sale/Transfer Date: -- - Price: - Source s : -- SALESCOMPARISON APPROACH TO VAL UE it develo d The Sales Co arison A roach was not develo ed for this a raisal. _ FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE= SALE # 3 Address 5216 Oxford Dr. Mechanicsbur PA 17055-3510 5214 Windsor Blvd. Mechanicsbur 141 Limestone Dr. Cam Hill 910 S. 29th St. Cam Hill - Pro>amft to Subect 0.31 miles NW 1.57 miles E 2.72 miles NE '_ Sale Price Sale Price/GLA $ NA $ /s .ft. $ 150 000 $ 130.66 /s .ft. $ $ 143.43 /s .ft. 154 900 . $ 155 000 $ 115.33 /s .ft. Data Sources Ins ection CPML Courthouse Realtor CPML Courthouse Realtor CPML Courthou:;e~Realtor Verification Sources NA Tax Assessment Records Tax Assessment Records Tax Assessment Records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad'ust. DESCRIPTION + - $ Ad~ust. DESCRIPTION + - $ Ad'ust. Sales or Financing Concessions NA NA Conventional Sellers Hel -1 000 Conventional Seller Hel /Re airs +620 FHA Seller Hel -3 000 Date of Sale/Time NA 8/23/10 MT 89 6/8/10 MT 7 6/9/10 MT 61 Ri MS A raised Fee Sim le Fee Sim le Fee Sim le Fee Sim le Location Suburban Suburban Suburban Suburban _ Site .19 Acres .22 Acres .21 Acres .27 Acres View Av E ual E ual E ual Desi n S le Ranch Ranch Ranch Ranch _ Quali of Construction Av Av Av Av A e 51 46 55 57 Col>dition Av E ual Su /NewKitchen -5 000 E ual Above Grade Total Bdrms Baths Total Bdrms Baths Total Bdrms Baths Total Bdrms Baths Room Count 6 3 1.5 6 3 1 +2 500 5 2 1.5 6 3 1.5 Gross Livi Area 1 120 s .ft. 1 148 s .ft. -420 1 080 s .ft. +600 1,344 sq.ft. -3 360 Basement & Rnished Rooms Below Grade Full Part Finished RR/Stor/Mech Full Part Finished FF2/DeNOfGMech -4 000 Full Part Finished FR/Ofc/Stor -2,000 Full Part Finished FR/DeNBR/Stor -4 000 Functional Utili Fuses Av -1 000 Av -1 000 Av -1,000 Neati Coolin OFWA/CA OFWA/CA GFWA/CA OFWA/CA _ Ener y Efficient ftems Insulation Insulation Insulation Insulation Gara a/Ca ort 2 Car Car ort 1 Car Car ort +1 000 2 Car Car ort 2 Car Detached -2 000 Porch/Patio/Deck Patio/EncRrPch Patio +1 000 DecklPorch Porch +1 000 fire lace NA 1 FP -2 000 NA NA Outbuildin Shed Shed NA +500 NA __ +500 Net Ad'ustment otal + - $ -3 920 + - $ -6 280 + - $ -11 860 Adjusted Sale Price 'Y of Com arables $ 146,080 $ 148,620 $ 143,140 Summary of Sales Comparison Approach Sales used were all reasonably similar style dwellings in the same neighborhood and subject to reasonably similar amenities Adjustments were based on market extraction and/or judgment. The indicated value range on the; above grid extends from $143 140 to $146 080 The indicated market value is estimated to be less than the up per end of the value range tend at $146 000. ___ ~: After an extensive search of available data bases, all three comparable sales used were deemed "BEST AV~4IL.ABLE" , --- ;. -- ;~ --- o< Indicated Value by Sales Comparison Approach $ 146,000 ___ Copyright© 2007 by a la mode, inc. This form may be reproduced unmodified without written permission, however. a la mode, inc. must be aclcnowtedged and credRed. (ttl..~11.~~J Form GPRES2 - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE 3/2007 Main File No. 11-0628 F.-1 Pa e # R~~IInFnITIO1 ~PPRL11SA1 Sl1MMARY REPORT Summary Report Filp No ' 11-0628 R-1 COST APPROACH TO VALUE if develo d The Cost A roach was not develo ed for this ap raisal. - Provide ade wale information for re lication of the followin cost figures and calculations. __ Support for the opinion of site value (summary of comparable land sales or other methods for estimating site value): Market/CCTAO __ ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE ................................................................ ._$ 40 000 Source of cost data: NA DWELLING S .Ft. @ $ _____ __$ Qual' rati from cast service: NA Effecfive date of cost data: NA S .Ft. @ $ -___._. __$ Comments on Cost Approach (gross living area calculations, depreciation, etc.): S .Ft. @ $ _- __$ ~~. ,. a` Gara e/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 I rovements ._-_-_.__._...._..______...__._.._ __$ __ $ __$ Estimated Remairfin Economic Liferf r wired : 40 Years INDICATED VALUE BY COST APPROACH ______..___.___...._._____.._-_ °=S INCOME APPROACH TO VALUE if develo d The Income A roach was not develo ed for this a raisal. _ Estimated Month/ Market Rent $ NA X Gross Rent Multi tier NA = $ Indicated Value E~~;ome A roach Summary of Income Approach (including support for market rent and GRM): _- PROJECT INFORMATION FOR PUDs if a livable ^ The Subject is art of a Planned Unit Develo meat. Le al Name of Pro ect: -_ Describe common elements and recreational facilities: __ Indicated Value b :Sales Comparison roach $ 146 000 Cost Ap roach (if develo d) $ Income A roach ('d develo ed) $ Rnal Reconciliation Insufficient market data was available to process the Income Approach. The Sales Comparison Approach is df;emed most reliable and given greatest weight -_ This appraisal is made ®"as is", ^ subject to completion per plans and specifications on the basis of a Hypothetical Condition that the improvr;ments have been completed, ^ subject to the following repairs or alterations on the basis of a Hypothetical Condition that the repairs or alterations have been completed, [] subject to the tollowing required inspection based on the Extraordinary Assumption that the condition or deficiency does not require alteration or repair: If property is sold, subject to satisfactory termite and radon certifications with appraised value based on clear test results. -_ This re ort is also subject to other H othetical Conditions and/or Extraortlina Assum lions 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 spec'rfied value type), as defined herein, of the real property that is the subject of this report is: $ 146,000 , as of: 10/1 /10 ,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 23 pages, including exhibits which are considered an integral part of the report. This appraisal repoll may not be properly understood without reference to the information contained in the complete report. Attached Exhibits: ® Scope of Work ®Limtting CondJCertifications ^ Narrative Addendum ®Photograph Addenda ~ Sketch Addendum ®Map Addenda ^ Additional Sales ^ Cost Addendum ^ Fbod Addendum ^ Manuf. House Addendum ^ H othetical Conditions ^ Extraordina Assu lions ^ ^ ^ _ :Client Contact: Client Name: Catherine Kastanas _ E-Mail: Address: 3 Briar Gate Rd. Mechanicsbur PA 17050 ___ ~ M ' ~: APPRAISER Y ! -~---- ~'t~"' Appraiser Name: Dennis L. Stover ': Company: Clauser Real Estate Appraisals SUPERVISORY APPRAISER (if required) or CO-APPRAISER (if applicable) Supervisory or Co-Appraiser Name: __ Company: ___ Phone: (717) 737-7300 fax: (717) 730-0922 E-Mail: dstovermax(a~comcast.net Phone: Fax: E-Mail: _ Date of Report (Signature): June 28, 2011 License or Certification #: RL 138906 State: PA Designation: Date of Report (Signature): __ License or Certification #: State: Designation: ___ " Expiration Date of License or Certification: 6/30/2013 Inspection of Subject: ®Interior & Exterior ^ Exterior Only ^ None ~r Date of Ins ection: 1011/10 Expiration Date of License or Certification: _ Inspection of Subject: ^ Interior & Exterior ^ Exterior Only ^ None Date of Ins ection: Copyright© 2007 by a la mode, inc. This form may be reproduced unmodified without written permission, however, a is mode, mc. must oe acMnowe;aged ano creo¢ea. Form GPRES2 - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE 3/2007 Main File No. 11-0112813-1 Pa #9 Subject Photo Page Lender/Client Catherine Kastanas _- Pro etty Address 5216 Oxford Dr. Cit Mechanicsbur Coun Cumberland State PA Zi Code 1705:1-3:110 Borrower Catherine Kastanas Subject Front 5216 Oxford Dr. Sales Price NA Gross Living Area 1,120 Total Rooms 6 Total Bedrooms 3 Total6athrooms 1.5 Location Suburban Yew Avg Site .19 Acres Quality Avg Age 51 Subject Rear Subject Street Form PICPIX.SR - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Main File No. 11-0628 R•1 Pa a #10 Interior Photos Lender/Client Catherine Kastanas _- Pro a Address 5216 Oxford Dr. Ci Mechanicsbur County Cumberland State PA Zi Code 17056-3510 Borrower Catherine Kastanas - LIVING ROOM DINING ROOM KITCHEN KITCHEN MASTER 1/2 BATH MASTER BEDROOM BEDROOM BEDROOM BATH REC ROOM FURNACE HOT WATER HEATER STORAGE REC ROOM Form PICINTI5 - "WinTOTAL" appraisal software by a la mode. inc. - 1-800-ALAMODE Main File No.11-0618 R-1 Pa a #11 Photograph Addendum Lender/Client Catherine Kastanas _- Pro a Address 5216 Oxford Dr. Ci Mechanicsbur Coun Cumberland State PA Zi Code 1705:5-3610 Borrower Catherine Kastanas Worn Hardwood floor Deterioration in driveway Shed Form GPICPIX - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Main File No. 11-0628 R-1 Pa a #12 Building Sketch Lender/Client Catherine Kastanas - Pro a Address 5216 Oxford Dr. Ci Mechanicsbur Coun Cumberland State PA Zi Code 1705`•i-3510 Borrower Catherine Kastanas 5216 OXFORD DR. FIRST FLOOR ,e.oo' ,8.00' $ ENCLOSED PORC ,., 10.00' 16.00' MASTER S BATH KITCHEN MASTER DNNG ROOM $ 1 CPR CARPORT $ 8 BEDROOM BATH 8 BEDROOM INNG ROOM BEDROOM BASEMENT 10.00' REC ROOM $ sroRAGE $ STORPGE MECHANICALS 10.00' Sketch Dy ApeM N'" Comments: AREA `CAt,.CULA~'{i3N5 Sl1tulMARY Code. ~1Pf3iN1 Net 5i~e tdet Tatals GLA1 First Floor 1120.00 1120.00 BSMT Basement 1120.00 1120.00 GAR Carport 648.00 648.00 Net LIVABLE Area (Rounded) 1120 LIUING ,AREA I~R+KbC3W-V Breakclovrn 5ubtotai r First Floor 28.00 x 40.00 1120.0() 11tem (Rounded) 1120 Form SKT.BIdSkI - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Main File No. 11-0628 R•1 Pa a #13 Comparable Photo Page Lender/Client Catherine Kastanas - Pro ert Address 5216 Oxford Dr. Cit Mechanicsbur County Cumberland State PA Zi Code 1705fi-3510 Borrower Catherine Kastanas - Comparable 1 5214 Windsor Blvd. Prox. to Subject 0.31 miles NW Sale Price 150,000 Gross Living Area 1,148 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1 Location Suburban View Equaf Site .22 Acres Quality Avg Age 46 Comparable 2 141 Limestone Dr. Prox. to Subject 1.57 miles E Sale Price 154,900 Gross Living Area 1,080 Total Rooms 5 Total Bedrooms 2 Total Bathrooms 1.5 Location Suburban View Equal Site .21 Acres Quality Avg Age 55 Comparable 3 910 S. 29th St. Prox. to Subject 2.72 miles NE Sale Price 155,000 Gross Living Area 1,344 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1.5 Location Suburban View Equal Site .27 Acres Quality Avg Age 57 Form PICPIX.CR - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Main File No. 11-0628 R-1 P e #14 Location Map Lender/Client Catherine Kastanas -- Pro Address 5216 O~ord Dr. Ci Mechanicsbur Coun Cumberland State PA Zi Code 1705Ei-3f~10 Borrower Catherine Kastanas - Form MAP.LOC - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Plat Map Main File No. 11-0628 R~1 Pa a #15 Lender/Client Catherine Kastanas -- Pro a Address 5216 O~ord Dr. Cit Mechanicsbur Cou Cumberland State PA Zi Code 1705fi-3510 Borrower Catherine Kastanas _ ++~~ ~p ~G `~ h^p. ff ` t~~1 ~~r~ 81 ~`` ~ab~:t •~ 51+6 turd [3~' ,/ ,,. ~~~~ -4-:. _ _ _ -,F;~,~ ~~ ~~' 133. ;° ( ) ~,~ ~i (~ ~i4 ,, ~~ ~ ~~ r ~~ r `L`i't !~ ~` •t ~ ( ": T 1 ~ PTO = lJ ~,~~~' 111 ,~ ~~~ '~' ~ ~~4~. ~~~'~ 131 `~' O.19Ae. ~`,~ 113 ~ ~2~~ ~~' ~~,~° 13Q '°r~, o ~ ~ ~a O.22Ac. ~~ ~2~) ° /~~© 144 `~i~ ~ ~~~~' . ,~y~° 129 , ~ o c. , _ QQ ~`~~~O.O,CL'L00 C~ O.OUS Miles Form MAP.PLAT - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Main File No. 11-0628 R•1 Pa a #16 Special Conditions FileNo.11-0628 R-1 n r i Catherine Kastanas - Pro a Address 5216 Oxford Dr. _ Cit Mechanicsbur Coun Cumberland State PA Zi Code 1705E-3510 Borrower Catherine Kastanas SPECIAL CONDITIONS ADDENDUM The following checked items are speck special conditions that were identfed by the appraiser during the inspection of the subject property, the incomparable sales, and their neighborhoods and locations. 1. The subject is located in a rural area and is less than 25% built-up. The condition is typical and common for the area and DOES NOT affect the market value. _X_ 2. Commercial uses are located within the subject's neighborhood. These uses are typical of similar neighborhoods and DO NOT affect the market value. _X_ 3. Industrial uses are located within the subject's neighborhood. The presence of industrial uses, is typical for the neighborhood and DOES NOT affect the market value. _X_ 4. Vacant and underdeveloped land uses are located wtthin the subject's neighborhood. These uses are typical for the area and DO NOT affect the market value. _X_ 5. The predominant value in the neighborhood is greater than that of the market value of the subject property. This condition DOES NOT have an adverse affect the market value. 6. The subject property is located in a F. I. A. Identified Flood Zone. 7. Dampness is noted in the basement of the subject. Standing or running water was not present on basement floor. _X_ 8. The subject is older than five(5) years old. All mechanical systems including the heating, electrical and plumbing system appears upon a visual exterior inspection to be in working order. No warranties are implied in this statement. 9. The electrical system was not connected during inspection. 10. The water service was not connected during inspection. 11. The heating system was shut down during inspection. 12. Well and septic are common to the area. 13. Repair items were noted in the comments section of the report. These comments on repair items are for descriptive purposes only and are not required repairs. The repair items are cosmetic in nature and DO NOT affect the market value. 14. Subject is new construction and was 90% completed on date of inspection. Compliance and completion inspections suggested prior to settlement. 15. Should property be sold, termite and radon cert~cations are suggested, with appraised value based on Gear results. 16. The land value exceeds 30% of total value due to the high demand for vacant land in this neighborhood. This condition is considered common and typical for the neighborhood and DOES NOT affect the market value. 17. The land value exceeds 30% of total value. This is due to the large size of the site. this condition is considered to be typical and common and DOES NOT affect there market value. 18. Individual adjustments were required that exceed 10%. These adjustments were required due to the lack of more similar comparables on that individual rating. All three comparables are the BEST AVAILABLE. 19. Total adjustments exceed 15%. This is due to the lack of comparables on that individual rating. All three comparables are the BEST AVAILABLE. _X_ 20. One or more comparable sales are older than six(6) months old. Although there are comparable properties in the subject area, none have sold recently, therefore, sales in excess of six (6) months old had to be used. _X_ 21. One or more of the comparables used were in excess of one(1) mile from the subject property. Although there are comparables in the immediate area, none have sold recently. Therefore, it was necessary to use comparable sales outside of the immediate area. All comparables used are located in similar neighborhoods and within the same marketing area. All three comparables used were the BEST AVAILABLE. 22. Roofing cert~cation is suggested. 23. Plumbing cert~cation is suggested. 24. Electrical certification is suggested. 25. Heating certification is suggested. 26. Flood Hazard Insurance is suggested. 27. Seller is paying part or alf of closing cost. This DOES NOT affect the market value. _X_ 28. All comparable sales are closed sales. _X 29. The subject property has not transferred in the past three years.. _X 30. This appraisal is a Summary Report with complete data retained in appraisal file. Form SUP - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Main File No. 11-0628 R-1 P e #17 DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudenry, knowledgeabty 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 each acting in what he considers his own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and (E~) tht; price represents the normal consideration for the property solo unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. * Adjustments to tl~ corr~arables must be made for special or creative financing or sales concessions. No adjustments are necessary for chose costs which are normalty paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to tt~e comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in tt~e property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should appro>mate the market's reaction to the financing or concessions based on the appraiser's judgement. STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is subject to the following conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of it being under nssponsible ownership. 2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is included onty to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an idenfrfied Special flood Hazard Area. Because the appraiser is not a surveyor, he or ;.he makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangernt;nts to do so have been made beforehand. 5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their contributory value. Fhese separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if they are so used. 6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, the presence of hazardous wastes, to>ac substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the normal research involved in pertorming the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden or unapparent conditions of the property or adverse environmental conditions (including the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable. and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied, regarding the condftion of the property. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment of the property. 7. The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that he or she considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such items that were furnished by other parties. 8. The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional Appraisal Practice. 9. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repair;, or alterations on the assumption that completion of the improvements will be pertormed in a workmanlike manner. 10. The appraiser must provide his or her prior written consent before the lender/client specified in the appraisal report can distribute the appraisal report (including conclusions about the property value, the appraiser's identity and professional designations, and references to any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the mortgagee or its successors and assigns; the mortgage insurer; consultants; professional appraisal organizations; any state or federally approved financial institution; or any department, agency. or instrumentality of the United States or any state or the District of Columbia; except that the lender/client may distribute the property description section of the report only to data collection or reporting service(s) without having to obtain the appraiser's prior written consent. The appraiser's written consent and approval must also be obtained before the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media. Freddie Mac form 439 6-93 Page 1 of 2 Fannie Mae Form 101~B 6-93 GEORGE CLAUSER Form ACR - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Main File No. 11-0626 R-1 Pa a #18 APPRAISER'S CERTIFICATION: The Appraiser certfies and agrees that: 1. I have researched the subject market area and have selected a minimum of three recent sales of properties most similar and proximate to the subject property for consideration in the sales comparison anatysis and have made a dollar adjustment when appropriate to reflect the market reaction to those items of :significant variation. B a signrficant item in a comparable property is superior to, or more favorable than, the subject property, I have made a negative adjustment to reduce the adjusted sales price of the comparable and, 'rf a significant item in a comparable property is inferior to, or less favorable than the subject property, I have made a positive adjustment to increase the adjusted sales price of the comparable. 2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the appraisal report. I have not knowingly withheld any signrficant information from the appraisal report and I believe, to the best of my knowledge, that all statements and information in the appraisal report are true and correct. 3. I stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject onry to the contingent and limiting conditions specified in this form. 4. I have no present or prospective interest in the property that is the subject to this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or the estimate of market value in the apprai;>al 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 prc;sent owners or occupants of the properties in the vicinity of the subject property. 5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my compensation for performing this appraisal is contingent on the appraised value of the property. 6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party, the amount of the value estimate, the attainment of a spec'dic result, or the occurrence of a subsequent event in order to receive my compensation and/or employment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation, a spec'dic valuation, or the need to approve a specific mortgage loan. 7. I performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the effective date of this appraisal, with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable time for exposure in the open market is a condition in the definition of market value and the eslimate I developed is consistent with the marketing time noted in the neighborhood section of this report, unless I have otherwise stated in the reconciliation section. 8. I have personally inspected the interior and exterior areas of the subject property and the exterior of all properties listed as comparables in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject improvements, on the subject site, or on any site within the irunediate vicinity of the subject property of which I am aware and have made adjustments for these adverse conditions in my analysis of the property value to the extent that I had market evidence to support them. I have also commented about the effect of the adverse conditions on the marketability of the subject property. 9. 1 personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. ff I relied on significant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal report, I have named such individual(s) and disclosed the specific tasks performed by them in the reconciliation section of this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in the report; therefore, 'rf an unauthorized change is made to the appraisal report, I will take na responsibility for it. SUPERVISORY APPRAISER'S CERTIFICATION: ff a supervisory appraiser signed the appraisal report, he or she certifies and agrees that: I directy supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking full responsibility for the appraisal and the appraisal report. ADDRESS OF PROPERTY APPRAISED: 5216 Oxford Dr., Mechanicsburg PA 17055-3510 APPRAISER: Signature: r ~ ~ ^ ,;;,__" Name: Dennis L Stover ~~ Date Signed: 06/28/2011 State Certification #: RL 138906 or State License #: State: PA Expiration Date of Certification or License: 6/30/2013 SUPERVISORY APPRAISER (only if required}: Signature: __ Name: _-___ Date Signed: _ State Certification #: _~___ or State License #: ____ State: Expiration Date of Certification or License ^ Did ^ Did Not Inspect Property rreoa;e N;ac corm 43y ti-y3 Page 2 of 2 Fannie Mae Form 1004E3 6-93 Form ACR - "WinTOTAL^ appraisal software by a la mode, inc. - 1-800-ALAMODE Main File No.11-0628 R-1 Pa a #19 Clnn9t~~ro ~Am„li.f .~..., _ nd r li nt Catherine Kastanas Pro ert Address 5216 O~dord Dr. - - _ -____r -'~-'__ ~IIG IYV. I I-VOLO R-I '- Ci Mechanicsbur Coun Cumberland State PA Zi Code 17055-3510 Borrower Catherine Kastanas -- ELECTRONIC SIGNATURE COMPLIANCE Wintotal and Project 2000 are fully ASB (Appraisal Standards Board) compliant in their security. The signatures on this report have not been altered in any way and the digital signatures are to be considered as original. Form SUP - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Certificate Main File No. 11-06<?8 RR-1 Pa a #2 Lender/Client Catherine Kastanas -- Pro a Address 5216 Oxford Dr. -- Ci Mechanicsbur County Cumberland State PA Zi Code 1705Ei-3510 Borrower Catherine Kastanas - Form MAP.PLAT - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Qualifications Main File No. 11-0628 R-1 Pa a #21 Lender/Client Catherine Kastanas Pro a Address 5216 OxFord Dr. - Ci Mechanicsbur Coun Cumberland State PA Z Code 17055-3510 Borrower Catherine Kastanas Dennis L. Stayer, GRI, CSP PA C~rtifire+d Resid~xtial. Real Estate Appraiser Certification Nurrtber RL I38906 CLAUSER REAL ESTATE APPRAISALS, LLC I'O Box 777 Camp Hill, PA 17001-0777 Phone {717) 737-'7300 Fax (7l 7) 730-0922 E'znail adds: dato"~ermax:corncast.net ~tlgec~*~+*~isa~~.e~r~~. QUALIFICATIQN I~El1T EDIJGATI02~I• Hazxis6urg Area ec;'xttunity C:c-llxtge Associate in 8nsiaess Adxn~tistratan Crraduate Realtor In&titute GRI I3esignatian Ne~v Home Sales t'rofe~sianal Course CSP Designation Institute of Real Ea3ste Studies C7SPAP- Mares 199 USPAP- lauttiaxy 20ii2 Basics of Residential Valuati8n & Sales Comparison Approach-April. 20{l2 Basic Income Propex'ty Valt>Eatic~n-January 21102 Advanced It1+~Y>re .Property Valuation-January 2002 Residential CnnstructiQn-Septeanb~ 2002 ~+Jatont~l tISPAP-September 2003 All courses to ~mplete Pennsylvania State Residezrtral Certificati~n- All wntinuing education courses to maintain current license .P.~OFESSIDNAL I~IE,I~t~tFlt'~NIPJDESIG'~I TI N Pennsylvania State CertiEed Resid~tial Real Estate Appraiser #RL 13890E Pennsylvania Real Estate Salesperson- License #~RS 150GOSA National Association of Realtors® Pennsylvania Association of Realtors Greater Harrisburg Association of Realtors Form MAP.PLAT - "WinTOTAL" appraisal software by a la mode. inc. - 1-800-ALAMODE Qualifications Main File No. 11-0628 R-1 Pa a #22 LenderlClient Catherine Kastanas Pro a Address 5216 Oxford Or. -- Cit Mechanicsbur Coun Cumberland State PA Zi Code 17055-3510 Borrower Catherine Kastanas -- ~E_ ~L E~"I'ATE E~CPER N+~E' 2Qfl3-Present 2fM}4-Present 1997-2U43 1991-2Q04 I986-1991 PA State, Cexti~sed Resideantal Real. Estate Appraiser, George C. Glaus~r Real Estate Appraisals Realtoc~ Union Realty, Inc.,lvliddletor~m, PA Assistant tv the Appr$iser, Gear~~e C. Glau~cer Real Estate Appraisa3s Reatltor4~, RE/1viA~ Realty Prof'rionals, Harrisburg, PA Realtar~ The Hrnn~tead firoup Realtor, Middletc~wnfHarrirburg TYPES OF A~ Ai~AL~S ~41ViP~ RESIDENT"tAl.,- Single Fatn~y Resi<en, Multi-family 1-4 units, and land. Appraisal samples upon rerluest. APPRAISALS HAVE BEEN GOMPLETEU FOIL: Adams Ccwnty I~atiQnai bank National City Mca~e ANted -Horne Mortgage Capital C~'p. tVattorr~i Penn Bank Am+~ichoit~ Faderai Credit Untttt . NaY#°tst Savings Bank Centric Bank Amega Bank Community First Fut3d Qrtstt3tim Beak First idaiionei Bank Pe~nnsytvania Scats Bank First t~tiottai Bank of Marysvli#e f~NC Fulton Bark Pn~Wnee Bank Graystone t'3nnk Prudential Reioeetion Harbortown Mtrrtgage PBP Finaneiai irste9-'ay Bank. Saveraign Bank .lonestown Bank Sterling FirSancial Carp. Legacy tank W~ovia M & T dank Welts Fargo Hatton Bank Meanhers First. f"ederaf Creriit Union Mici Penn Bank Mertitiers First Federal Gredit Union Metro Bank Form MAP.PLAT - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE GEORGE CLAUSER Main File No.11-0628 R-1 Pa a #2 FROM: I N VO I C E Clauser Real Estate Appraisals, LLC & ' George C. Clauser, SRA i~ ' ~~ P.O. Box 777 11-0628 R-1 Camp Hill, PA 17001 Invoice Date: 06/11 /2011 Telephone Number: 717-737-7300 Fax Number: 717-730-0922 Due Date: T0: Internal Order #: 11-0628 R-1 LenderCase #: Catherine Kastanas Client File #: 3 Briar Gate Rd. FHA/VA Case #: Mechanicsburg, PA 17050 Main File N on form: 11-0628 R-1 E-Mail: Other File # on form: Summary Report Telephone Number: (717) 369-7331 Fax Number: Federal Tax ID: 26-1647066 Aftemate Number. Empbyer ID: Lender: Client: Catherine Kastanas Purchaser/Borrower. Property Address: 5216 Oxford Dr. City: Mechanicsburg County: Cumberland State: PA Zip: 17055-3510 Legal Description: Deed Book 20084 Page 223 Residential 1004 100.00 Please make check payable to: Clauser Real Estate Appraisals and mail to: Clauser Real Estate Appraisals P. O. Box 777 Camp Hill, PA 17001-0777 Payable Upon Receipt A 1.5 % service charge wilt be added to all balances over 30 days. ~: SUBTOTAL '100.00 '.:: ~ Check #: Date: Description: .~. :- <~ Q Check #: Date: Description: Check #: Date: Description: SUBTOTAL TOTAL DUE $ 100.00 Form NIV5D - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE