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HomeMy WebLinkAbout07-14-11 (2)1505610143 REV-1 BOO IX(01 10) ~~ OFFICIAL USE ONLY PA Department of Revenue Pennsylvania County code Year -File Number Bureau of Individual Taxes °~'~T"~OFR~1B°~ Po Box.2sosol INHERITANCE TAX RETURN 21 10 1082 Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Socal Security Number Date of Death 180 30 4048 10 14 2010 Decedent's Last Name Suffix MAINS (If Applit:able) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's Social Security Number FILL IN APPROPRIATE OVALS BELOW 1. Original Return 4. Limited Estate 6 Decedent Died Testate (Attad, Copy orwn) 9. Litigation Proceeds Received Date of Birth Ol 19 2935 Decedent's First Name MI GERETH M Spouse's First Name MI THIS RETURN AICUST BE FfLED EN DUPLICATE WITH THE REGISTER OF WILLS 2. Supplemental Return ~ 3. Remainder Return (date of death prior to 12-13-82) ~_ Future Interest Compromise ~ 5. Federal Estate Tax R:etum Required (date of death otter 12-12-82) 7_ D~ ~~Y i~nt~i~} Living Trvst ~ _ 8. Total Number of Safe; De~.posit Boxes 1 p. Spousal Poverri Credi4~date of death 11, Election to tax under Sec;. 9113(A) between 12-31-~31 and -1-35) (Attach Sch. O) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. Al.L CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number RICHARD L WEBBER JR ESQUI 717 532 738$ First line of address 126 EAST KING STREET Second line of address City or Post Office State ZIP Code SHIPPENSBURG PA 17257 REGISTER OF 1~.LS IISE OI~L~Y - ;:a ~ ;:2 f :.._ ~ _~ (- _ - n~ ___ . _--.. `J :.~~ ~ :_ .,-. DA ~ I~D ,, ~. ~~ _:~ .~-~ r ~.. ~ f: '_. '' '. ._a_7 r - : ; p-~ __.,,,-~ ~/,-, ~-•~ c~ -~~ Correspondent's e-mail address: Webber@weigieassociates.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, corned and complete. Declaration of preparer other than the personal representative es based on all information of which preparer has any knowledge. SIGNATURE OF PERSON F~ESPONSIBL FOR F LI G RETU~ DI1TE X ~ ~ _ ,/~~ti..,. Melisa K. Guyton _ ~.. 7 - ,~ _3 _ ~ ~-2-~ // ADDRESS 3301 Ritner Highway, Apt. 2, Newville, PA 17241 _ SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE DATE .~-~~'2 ~ ~_~ Richard L. Webber, Jr. Esquire 7 ~~~(~~ ADDRESS 126 East King Street, Shippensburg, PA 17257 Side 1 1505610143 1505610143 J ~p~ PA Inheritance Tax Return Signature of Additional Fiduciaries ESTATE OF F[LE NUMBER Mains, Gereth M. 21-10-10&2 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. DeGaration of preparer other than the personal representative is based on all information of which preparer has any knowledge. Signature #2 Name Address1 Address2 City, State, Zip Richard G. Mains, Jr. _ 611 Centerville Road Newville, PA 17241 _ Date ~.: ~7 ~/3 ~ ~~ J REV-1500 EX oecedenrs Narr,e_ Mains, Gereth M. Decedent's Social Sec;urity Number 180 30 404$ RECAPITULATION 1. Real Estate (Schedule A) ....................................................................................... 1. 3 98 , 0 0 0. 0 0 2. Stocks and Bonds (Schedule B) ............................................................................. 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C)......... 3. 4. Mortgages 8 Notes Receivable (Schedule D) ........................................................ 4. 5• Cash, Bank Deposits 8~ Miscellaneous Personal Property (Schedule E) ............... 5. 635 , 94 9.12 6. Jointly Owned Property (Schedule F) 0 Separate Billing Requested............ fi. 7. Inter Vvos Transfers 8~ Miscellaneous ~ Probate Property arate Billin uested Se Re 7 6 _........... p g q (Schedule G) _ 3 0.0 0 8. Total Gross Assets (total Lines 1-7) ..................................................................... 8. 1 , 0 3 4 , 3 0 9.12 9. Funeral Expenses S~ Administrative Costs (Schedule H) ....................................... 9. 73 , 355.92 10. Debts of Decedent, Mortgage Liabilities, 8~ Liens (Schedule I) .............................. 10. f~ , 195.80 11. Total Deductions (total Lines 9 ~ 10) ................................................................... 11. 7 q , 551.72 12. Net Value of Estate (Line 8 minus Line 11) .......................................................... 12. 9 5 4 , 7 5 7.4 0 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. 954 , 757.40 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X .00 15. 16. Amount of Line 14 taxable 9 5 4 7 5 7. 4 0 16. at lineal rate X .045 , 17. Amount of Line 14 taxable at sibling rate X .12 0 . 0 0 17. 18. Amount of Line 14 taxable at collateral rate X .15 0 . 0 0 18. 19. Tax Due ................................................. .............•-•--...........-------..........-•---•---•---•----- 19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. 0.00 4:2 ,, 964.08 0.00 0.00 42,964.08 Side 2 1505610243 1505610243 1505610243 REV-1500 EX Page 3 Decedent's Complete Address: File Number 21-10-1082 DECEDENTS NAME Mains, Gereth M. STREET ADDRESS 698 Centerville Road CITY ~ STATE ~ ZIP Newville PA 17241 Tax Payments and Credits: 1. Tax Due (Page 2, Line 19) 2. Credits/Payments A. Prior Payments B. Discount 3. Interest 40,000.00 2,105.26 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) 42,964.08 42,105.26 ___ 858.82 Make Check Pa able to: REGISTER OF WILLS, AGENT. k PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1 _ Did decedent make a transfer and: Yes No -- a. retain the use or income of the property transferred :............................................................................... '___! x --- b. retain the right to designate who shall use the property transfen'ed or its income :.................................. '___~ ~ x --- c. retain a reversionary interest; or ............................................................................................................... ---_~ d. receive the romise for life of either a P P yments, benefits or care? ......................................•---.................. ~ ; I x 2. If death9 ccu~ed after December 12, 1982, did decedent transfer property within one year of death without I z~ receivin ad uate considerations .................. ~] --r ~-~ For dates of death on or after July 1, 1994 and before Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent [72 P.S. §9116 (a) (1.1) (i)]. 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. §9116 (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-1502 F,(+ (11-08) SCHEDULE A REAL ESTATE comalloNwEa~TH of wErr~ISnvANw INtEr21TANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Mains, Gereth M. 21-10-1082 All real properly owned solely or as a tenant in comrran must be reported at fair market value. Fair market value is defined as the price at which property wa~ld be exchanged between a willing buyer and a willing seller, neither being corrlpelled to buy or sell both having reasonable Ivlowledge of the relevant facts. Real property which is jointly-owned with right of survivorship roust be disdosed on schedule F. Attach a copy of the settlement sheet if the property has been sold Include a copy of the deed showing decederrt's interest if owned as tenant in common. ITEM WALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Real estate situate in West Pennsboro Township, Cumberland County, PA consisting of 1.54 205,000.00 acres and knwon as 3301 Ritner Highway, Newville, PA 17241, being further identified as Tax Parcel #46-10-0fi20-020 2 Real estate situate in West Pennsboro Township, Cumberland County, PA consisting of 2.21 193,000.00 acres and knwon as 698 Centerville Road, Newville, PA 17241, being further identified as Tax Parcel #46-10-0620-021 TOTAL (Also enter on Line 1, Recapitulation) I 398,000.00 (ff more space is needed, additional pages of the same size) Copyright (c) 2009 form software only The Lackner Group, Inc_ Form PA-1500 Schedule A (Rev. 11-08) Rev-1508 EX+ (6-98) SCHEDULE E CASH, BANK DEPOSITS, ~ MISC. PERSONAL PROPERTY col~wlor~t.TH of o~wsnvANIA INF~RITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Mains, Gereth M. 21-10-1082 Indude the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with fhe right of st>rvivorship must tx disclosed on schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 2001 Ford Pick up 4 X 4 11,000.00 2 2004 Camper 7,000.00 3 2007 Chevrolet Sedan Motor Vehicle 9,600.00 4 AARP -Refund 39.76 5 Adams Electric Cooperative -Patronage capital 134.25 fi Adams Electric Cooperative -Patronage capital 27.87 7 Cash in House 80.00 8 Cash in house 100.00 9 Cash in Wallet 24.45 10 Cash -loose change 24.32 11 Century Link -refund 32.26 12 Computer Tower -proceeds 15.00 13 Continental Life -Refund 112.48 14 Erie -car insurance refund 130.00 15 Fish and Game -refund 10.50 16 HD Vest Financial Services Mutual Funds Account #74980990 101,294.44 I Total of Continuation Schedules See attached pages TOTAL (Also enter on Line 5, Recapitulation) 635,949.12 (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-1508 EX+ (6-98) SCHEDULE E CASH, BANK DEPOSITS, ~ MISC. PERSONAL PROPERTY colu~IONwEa~rH oo= ~ENrlsv~vaNw ~N~aN~TaXREnRN continued RESIDENT DECEDENT ESTATE OF FILE NUMBER Mains, Gereth M. 21-10-1082 ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH 17 Members 1st #0000 and accrued interest to date of death -Regular Savings Account 10,833.28 18 Members 1st #0011 -Checking Account 2,912.03 19 Members 1st #0040 -Certificate of Deposit 70,033.41 20 Members 1st #0041 -Certificate of Deposit 20,146.60 21 Members 1st #0043 -Certificate of Deposit 50,023.86 22 Members 1st #0044 -Certificate of Deposit 100,047.73 23 Members 1st #0045 -Certificate of Deposit 37,827.24 24 Members 1st #0062 -Certificate of Deposit 25.290.62 25 Motor vehicle inspections -reimbursement of portion 255.76 26 Pacific Life Annuity Contract # VR08015242 167,123.54 27 Patriot News -Refund 38.50 28 Personal Property -Gross proceeds from sale 12,986.55 29 Personal property distributed in kind 6,998.00 30 PSERS 49.20 31 Suburban Propane -Refund 1,304.47 32 I Trailer Life -refund 3.00 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule E (Rev. 6-98) Rev-1508 EX+ (6-98) SCHEDULE E CASH, BANK DEPOSITS, ~ MISC. PERSONAL PROPERTY con~uorn~-~n~ o~ ~~asnvaNw ~~Ra~TaX~~ continued ~~~ ESTATE OF I FILE NUMBEIR Mains, Gereth M. 21-10-1082 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule E (Rev. 6-98) Rev-1310 EX+ (6-98) SCHEDULE G INTER-VIVOS TRANSFERS 8 MISC. NON-PR BATE PROPERTY colu~loNweALTH of PEr~asvv_vANla INt~Rn"ANCE TAX RETURN RESIDENT DECEDENT ESTATE OF I FILE NUMBER Mains, Gereth M. 21-10-1082 This sdhedule nl~ust Ibe completed and filed if the answer to any of questions 1 thraygh 4 an the reverse side of the REV-1500 COVER SHEET is yes. ITEM NUMBER DESCRIPTION OF PROPERTY THE DATE O TROANSFRERSATRTAEC}i A COPY~OF THE DEIED FOR CREAL EsT~ATE. DATE OF DEATH VALUE OF ASSET ~6 OF DECD°S INTEREST EXCLUSION (IF APPLICABLE} TAXABLE VALUE 1 16 Guage Bolt Shotgun - Transferree: David Mains, 125.00 100.000% 125.00 Child of decedent 2 Cedar Chest - Transferree: Melisa Guyton, Child of 125.00 100.000% 125.00 decedent 3 Goose Neck Chair - Transferree: Brenda P. Jumper, 35.00 100.000% 35.00 Child of decedent 4 Wash Tub - Transferree: Deborah Barrick, Child of 75.00 100.000% 75.00 decedent TOTAL (Also enter on Line 7, Recapitulation) I 360.00 (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 G (Rev. fi-98) REV-1151 D(+ (10-06) SCHEDULE H co~0 R q~T~HEQTFgqP~~ ~NN YLVANIA FUNERAL EXPENSES 8~ '" R~S'I~D~ENT DECEDENT'" ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER Mains, Gereth M. 21-10-1082 Debts of decedent must be reported on Schedule I. ITEM DESCRIPTION I~MOUNT NUMBER p, FUNERAL EXPENSES: See continuation schedule(s) attached ~ 9,792.74 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Melisa K. Guyton Street Address 3301 Ritner Highway, Apt. 2 City Newville State PA Zin 17241 Yearls) Commission paid 2011 26,691.65 2. Attomev's Fees Weigle ~ Associates, P.C. 26,691.65 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 773.50 5. Accountant's Fees 6. Tax Retum Preparer's Fees 7. OtherAdministrative Costs 9,406.38 See continuation schedule(s) attached TOTAL (Also enter on line 9, Recapitulation) 73,355.92 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 Mains, Gereth M. 21-10-1082 ITEM NUMBER DESCRIPTION AMOUNT Funeral Ex eR rases 1 Eggar Funeral Home 7,303.28 2 Saylor•s Market -Meal after funeral 100.74 3 Westminster Gardens 2,388.72 H-A 9,792.74 Other Administrative Costs 4 Advance Auto -Battery for lawn tractor 31.79 5 Amos Barrick -Mowing 50.00 6 Auction expenses (U-Haul, Fuel) 504.93 7 Austin Myers -Lawn Care (1/2 of total) 40.00 8 Cumberland County Recorder of Wills -Short Certificates 12.00 9 Cumberland County Recorder of Wills -Short Certificates 12.00 10 Cumberland County Register of Wills -Filing fee for inheritance tax return 75.00 11 Cumberland County Register of Wills -filing fee First and Final Accounting 200.00 12 Cumberland Law Journal -Legal Notice Advertising 75.00 13 David Weaver -Income tax preparation 100.00 14 Erie Insurance -Auto insurance -November 2010 216.00 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 :schedule H (Rev. 6-98) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Mains, Gereth M. 21-10-1082 ITEM NUMBER DESCRIPTION AMOUNT 15 Erie Insurance -Homeowners Insurance January 14, 2011 payment 114.00 16 Erie Insurance -Homeowners insurance -April 11, 2011 payment 119.00 17 Erie Insurance -Homeowners insurance -July 7, 2011 payment 120.00 18 Food for laborers -Auction help 38.36 19 Fuel -hauling of boxes 40.01 20 IWS of PA -Trash and clean house 376.31 21 Kough's Oil Service -March 7, 2011 payment 217.47 22 Kough's Oil Service -February 1, 2011 payment 2fifi.5fi 23 Kough's Oil Service -April 11, 2011 payment 176.04 24 Kough's Oil Service -May 25, 2011 payment 156.18 25 Myers Landscaping and Lawn Care (1/2 of total) -June 9, 2011 invoice 169.60 26 Myers Landscaping and Lawn Care (112 of total) -July 7, 2011 invoice 169.60 27 Outdoor America Store -Appraisal of firearms 12.50 28 Personal property -Expenses of sale 3,507.36 29 Postage 10.08 30 Postage 0.64 31 Postage 8.80 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 :>chedule H (Rev. 6-98) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Mains, Gereth M. 21-10-1082 ITEM NUMBER DESCRIPTION AMOUNT 32 PPB~L -January 2011 Electric Bill 38.49 33 PP8<L -May 2011 Electric Bill 57.13 34 PP&L -June 9, 2011 payment 57.13 35 PPL April 1, 2011 Electric Bill 57.14 36 PPL -Feb 1, 2011 Electric Bill 67.10 37 PPL July 7, 2011 payment 37.13 38 PPL -March 2011 Electric Bill 62.08 39 Suburban Propane -February 1, 2011 payment 85.00 40 Suburban Propane -March 7, 2011 payment 85.00 41 Suburban Propane -April 11, 2011 payment 85.00 42 Suburban Propane -November 5, 2010 85.00 43 Suburban Propane -December 1, 2010 85.00 44 Suburban Propane -January 4, 2011 85.00 45 Suburban Propane -July 7, 2011 payment 85.00 46 Suburban Propane -June 9, 2011 payment 85.00 47 Suburban Propane -May 9, 2011 payment 85.00 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 ~>chedule H (Rev_ 6-98) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBEI•t Mains, Gereth M. 21-10-1082 ITEM NUMBER DESCRIPTION AMOUNT 48 SW Barrett Real Estate and Appraisal Service -Appraisal fee for 3301 Ritner Highway 550.00 Properly 49 SW Barrett Real Estate and Appraisal Service -Appraisal for 698 Centerville Road Property 350.00 50 UCF Machine Shop -Vehicle inspections 519.89 51 UPS - Overnight mail fee 10.56 52 Valley TimesStar -Advertising 75.50 H-B7 9,406.38 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 ~>chedule H (Rev. 6-98) Rev-1512 p(+ {12-08) SCHEDULE 1 DEBTS OF DECEDENT, MORTGAGE LIABILITIES, ~ LIENS COFYiAONNIEALTH of PENNSI'LVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBEItt Mains, Gereth M. 21-10-1082 Report debts incurred by ttre decedent prior to death that remained unpaid at the date of death, inducting unreimbursed medical experrses~ ITEM ~/ALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Centurylink -Telephone Bill 44.13 2 Koughs Oil Service 164.57 3 Koughs Oil Service 443.45 4 Manor Care 150.00 5 Mechanical Products (PR Hoffman) 212.96 6 PP8<L -December 1, 2010 payment 29.62 7 Suburban Propane -November 2010 85.00 8 US Treasury -balance owing on 2009 income taxes resulting from IRS notice 4,905.00 9 West Shore EMS 161.07 TOTAL (Also enter on Line 10, Recapitulation) I 6,195.80 (If more space is needed, additional pages of the same size) Copyright (c) 2009 form software only The Lackner Group, Inc. Form PA-15Q0 Schedule I (Rev. 12-08) REV-1513 p(+ (11-OS) coMUGHNw~q~n~i~~ P~N~nv,~ww ~N RESIDENT D ~ DEN ~ SCHEDULE J BENEFICIARIES ESTATE OF FILE NUMBER Mains, Gereth M. ~ 21-10-10 82 _ NAME AND ADDRESS OF RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE NUMBER PERSON(Sl RECEMNG PROPERTY DECEDENT (Words) (~$~) Do Not List Trust s _ I TAXABLE DISTRIBUTIONS [indude outright spousal • distributions, and transfers under Sec. 911 fi a 1.2 See attached schedule Total 954,757.50 Enter dollar amounts for distributions shown above on lines 15 throw h 18 on Rev 15 00 cover sheet, as a r o riate. NON-TAXABLE DISTRIBUTIONS: II• A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV 1500 COVER SHEET Copyright (c) 2009 form sofhnrare only The Lackner Group, Inc. Form PA-1500 Sk:hedule J (Rev. 11-08) SCHEDULE J BENEFICIARIES (Part I, Taxable Distributions) ESTATE OF: Gereth M. Mains 10/14/2010 180-30-4048 Item Name and Address of Person(s) Share of Estate Amount of Estate Number Receiving Property Relationship (Words) (~$~) 1 Cory Barrick Grandson One twenty fourth of 39,781.57 2147-B Newville Road Residue pursuant to Carlisle, PA 17013 Paragraph THIRD (B) o~F Will 2 Deborah K. Garrick Daughter One Sixth of Residue 159,126.25 2147-B Newville Road pursuant to Paragraph Carlisle, PA 17013 THIRD (B) of Will 3 Nathan Banick Grandson One twenty fourth of 39,781.57 2147-8 Newville Road Residue pursuant to Carlisle, PA 17013 Paragraph THIRD (B) o~F Will 4 Katelyn Guyton Granddaughter One twenty fourth of 39,781.56 3301 Ritner Highway, Apt 2 Residue pursuant to Newville, PA 17241 Paragraph THIRD (B) o~F Will 5 Melisa K. Guyton Daughter One Sixth of Residue 159,126.25 3301 Ritner Highway, Apt. 2 pursuant to Paragraph Newville, PA 17241 THIRD (B) of Will 6 Michele Jones Granddaughter One twenty fourth of 39,781.56 424 Old Mill Road Residue pursuant to Carlisle, PA 17015 Paragraph THIRD (B) of Wille Sixth Percent 7 Brenda P. Jumper Daughter One Sixth of Residue 159,126.25 133 Newville Road pursuant to Paragraph Shippensburg, PA 17257 THIRD (B) of Will 8 Andrea Lehman Granddaughter One twenty fourth of 39,781.56 15 Mount Rock Road Residue pursuant to Newville, PA 17241 Paragraph THIRD (B) of Will 1 SCHEDULE J BENEFICIARIES (Part I, Taxable Distributions) ESTATE OF: Gereth M. Mains 10/14/2010 180-30-4048 Item Name and Address of Person(s) Share of Estate Amount of Estate Number Receiving Property Relationship (Words) (~~~) 9 Dennis J. Lehman 231 Pine Grove Road Gardners , PA 17325 10 Shon Lehman 999 Three Turn Road Shippensburg, PA 17257 11 David L. Mains PO Box 721742 Oklahoma City, OK 73172 12 Denise Mansfield 728 Opossum Lake Road Carlisle, PA 17013 Grandson One twenty fourth of Residue pursuant to Paragraph THIRD (B) o1F Will Grandson One twenty fourth of Residue pursuant to Paragraph THIRD (B) o1F Will Son One Sixth of Residue pursuant to Paragraph THIRD (B) of Will Granddaughter One twenty fourth of Residue pursuant to Paragraph THIRD (B) oiF Will 39,781.56 39,781.56 159,126.25 39,781.56 Total _ 954.757.50 2 . ~ ~~~ .f ~ LAST LY~ILL AND TESTAMENT I, GERETH M. MAINS, presently residing at 698 Centerville R Township, Cumberland County, Pennsylvania, being of sound mind oad, ti'~est Penn.sboro hereby make, publish and declare this my Last Will and Testament ~ memory and disposition, do void all Wills by me at any time heretofore made. ~ hereby revoking; and making FIRST• PAYMENT OF EXPENSES - I order and di hereinafter named to pay all of my just debts, funeral ex ensect my personal representative connected with the administration of my estate as soon after my death as iexpense~s involved or However, my personal representative need not accelerate and a t s reasonable possible. which, in his, .her or its opinion, it might be proper and more adva to ose un-matured'. obligations pay as they become due and payable. If I do not own a burial plot or a eoav to retain or renew and my death, I authorize my personal representative, in his, her or its sol~ - e marker at the time of burial plot and to erect a suitable grave marker at m dlscretion, to purchase a for this purpose. Y grave, and to expend sums from my estate SECOND RESIDUE OF ESTATE - I give, devise and be uea o personal and mixed, whatsoever and wheresoever situate, tom below ~ all my „state, real, MAINS. Y ed. wife., MARY E. TH~• CONTINGENT BENEFICIARIES - In the event t MAINS should predecease me, and PROVIDED that m net estat hat the said :MARY E. greater than ONE HUNDRED FIFTY THOUSAND DOLLARS $150 00 ilable for distribution is distributed as follows: ( ~ 0.00) in value, it shall be A• I grant to my daughter, MELISA K. GUI'TON, and m so -' GITYTON, the option to purchase my real estate, together with - n in-law, RICgARD situate in West Pennsboro Township, Cumberland County pew improveme.nt5 thereon, Centerville Road, Newville, Pennsylvania 17241. The ~urchase ylvania, known as 698 market value of the said real estate as of my date of death. Theo tionrice shall be the fair of the intent to exercise the option is not provided within fort -five shall expire if notice death, and if settlement does not occur within sixty (60) da s therea (45) days of my date of Y fter. The proceeds therefrom, if the option is exercised, shall be distrib subparagraph B below; and uted in accordance with B• I direct that the rest, residue and remainder of m esta proceeds distributed as follows: Y to be liquidated, and the 1 • Ode-sixth (1/0) to DAVID ~'L~I~TS; ~. 2- One-sixth (1/5) to DE$~, ., , RAC K. BAI~CK; ~Yl c~_ ~ v hh !~ ~~'}j,.~77'y' ~7J ~~^ IT~~//~~~R+J. J - V11~ s111 t11 (1 /~) to B~r:~'.NDA P• V V 11bj ~~; ~a 4- One-sixth (1/6) to M.ELISA K. GUYT®N• and ~:, 5. One-third (1/3) to be divided equally among the folio ~ ~' ; ~= grandchildren: v'ln~ f,lght (g) ~. :, .. WEIGLE & A550 CIATES, P.C. -ATTORNEYS AT LAW - 1Z6 EAST KING STREET - SHIPPENSBURG, Pq ~17z=;?_ 1397 a• MICHELE WILEY (it is anticipated that her name will be MICHELE JONES in the near future); b• DENISE MANSFIELD; c. SHON LE~~ d• ANDREA LEHMAN; e• KATELYN GUYTON, to be held IN TRUST, by her mother, MELISA K. GUYTON, as TRUSTEE until she attaiins the age of eighteen (18) years; f. DENNIS J. LEHMAN; g• NATHAN BARRICK; and h• CORY BAR.RICK. The distribution in this subparagraph 5 shall be on a per capita distribution basis. The purpose of this subparagraph 5 is to distribute to the eight (8) listed portion of my estate that I would have distributed to DONALD F. LEHMAN and ~pE ldren the LElE~1VIA,N, who are both deceased. NNIS R. In the event that any of the four (4) persons in B(1) thru (4) above shall predecease; me of that predeceased person shall be distributed equally to the surviving persons in that ~ the share in B(1) through B(4) and not to the persons listed in subparagraph 5. lass listed FOURTH. CONTINGENT BENEFICIARIES IF SMALLER ESTATE - event that my wife, MARY E. MAINS predeceases me and if my net estate, once 1i uida~ the valued at One Hundred Fifty Thousand Dollars ($150,000.00) or less, I then •v,y d , ted, is bequeath my estate equally to DAVID MAINS, DEBORAH K• B ~ ~ evise and JUMPER, and MELISA K. GUYTON, on a per capita distribution basi~ e~C~ ,g~~A P. K. GUYTON and RICHARD GUYTON shall have the option to purchase m epea]Zat MELISA the same terms as listed in Paragraph THIRD(A) above. y estate under FIFTH -PERSONAL REPRESENTATIVES - I nominate, constitute and a, o' wife, MARY E. MAINS, to be the Executrix of this my Last Will and Testament. pp int my that she be unable to fulfill the duties of Executrix, I then nominate, constitute ~ In the event daughter, MELISA K. GUYTON and m ne hew RIC d appoint my of this my Last Will and Testament. y p ~~ G' MAINS, `~• as C'o-Executors SINTH. -WAIVER ®F BOND - I direct that neither my personal re resenl:ative Trustees shall be required to give bond for the faithful performance of their (s) nor jurisdiction. duties in any SEVE i~T T H, COMP~'NS ~,TION OF pERSON~4.I, p•EPP~SEN~'A`I'IV~4- S direct that Iny personal re rPgPr,rat;i~Q() P p (~ - I r p ~ s b:, a? t o reasonable c©mpensatiol for tlheir ser~'ices. EIGHTH. TAXES - I direct th at all federal, state and other death taxes payable ~,. °' because of my death, with respect to the property formin m ~~. `` whether or not passing under this Will, includin an irate g y gross estate for tax_ purposes, ~E~, g y rest or penalty imposed in connection ~;: ,~. ~> ,.~ 3 ~` ~' WEIGLE & ASSOCIATES, P.C -ATTORNEYS AT LAW - IZ6 EAST KING STREET - SHIPPENSBURG, PA i7Z57-1397 with such taxes, shall be considered a part of the expense of administration of my Estate and that such be paid out of the rest and residue of my estate. IN WITNESS WHEREOF, I, GERETH M. MAINS, have heret.anto set my ]land and seal to this my Last Will and Testament, this ~~~~ day of ~'~<,,Fr,~ ;~-- -, 2006. .~. `..-` ~''`~:~-=' (SEAL) GERETH M. MAINS - This instrument was by the Testator, on the date hereof, signed, published and declared b him be his Last Will and Testament, in our presence, who at his request and in the rE;sence of e to other, we believing him to be of sound and disposing mind and memory, have hereu:r~to subscribch our names as witnesses. ed COMMONWEALTH OF PENNSYLVANIA ; COUNTY OF CUMBERLAND S S I, GERETH M. MAINS, the person whose name is signed to the foregoing instrurae:nt h been duly qualified according to law, do hereby acknowledge that I signed and e;xE;cu awing instrument as my Last Will; that I signed it willingly; and that I signed it as m free acid v ted the act for the purposes therein expressed. y oluntary ., f GERETH M. MAINS -- Sworn or affirmed to and acknowledged before me by G~RETH 1~. MA~t'~S, the Testator, tluS i ~ f -' ~= day of ~'~--~ f,..-., ~, f,~ 2006. NOTARIAL SEAL RICHARD L. WEBBER JR., NOTARY PUBLIC SHIPPENSBURG BORa, CUMBERLAND COUNTY MY COMMlSSiOiv E;;PIRES JULY 15, 2010 WEIGLE & ASSOC]ATES, P, C. -ATTORNEYS AT LAW - iZ6 EAST KING STREET - SHIPPENSBURG, PA 1725'7-1397 COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS ,c and ~~~~ ~~~ ~ J _ /~~._ _ i ..~,. the witnesses whose names are signed to the foregoing instrument, bein dul ua~iifie ' g y q d according to law, do depose and say that we were present and saw GERETH M. MAINS the Testa tor, sign and execute the instrument as his Last Will; that he signed willingly and that he execute ' d It as lus free and voluntary act for the purposes therein expressed; that each of us in the heazi. ng and sight of the Testator, signed the Will as witnesses; and that to the best of our knowled re t €, he Testator was at the time eighteen (18) or more. years of age and of sound mind and under n,o constra' int or undue influence. Sworn or affirmed to and subscribed before me ~~ witnesses, this ~ ~ day of G~c~lo ~, ~ ~.~-~ ~ 2006. r / ~ / / ~ ~ I L''~~.../ // n u '-~ by ,~. I ,,... 4 ~ ,~~ ~, _ J and ~~ ~~~_~~c _ -~ ~ (~12~--~ r ~ , ,~ ~ II V~/EIGLE & A550CIATES, P. C. -ATTORNEYS AT LAW - iZ6 EAST KING STREET - SHIPPENSBURG, PA 'f7~?57-1397 S. W. BARRETT REAL ESTATE AND APPRAISAL SERVICES Invoice # : 10-0422 Order Date : 11/17/2010 Reference/Case # PO Number 3301 Ritner Highway Newville, PA 17241-9502 Appraisal Services $ 5,50.00 -------------- Invoice Total State Sales Tax @ $ 550.00 Deposit $ 0.00 Deposit ~$ ) Amount Due ____ _ $ 550.00 Terms: Payable Upon Receipt -Please, reference the file number Please Make Check Payable To: S. W. Barrett Real Estate 8< Appraisal Services 505 South Hanover Street Carlisle, PA 17013 Fed. I.D. #: 236646-804 YOUR SINGLE SOURCE...Professional, Efficient Service THANK YOU S. W. BARRETT REAL ESTATE AND APPRAISAL SERVICES File No. 1 APPRAISAL OF LOCATED AT: 3301 Ritner Highway Newville, PA 17241-9502 CLIENT: Richard Weber, Esquire 126 East King Street Shippensburg, PA 17257 AS OF: October 14, 2010 BY: Stan A. Skowronek PA Certified Residential Real Estate Appraiser S. W. BARRETT REAL ESTATE AND APPRAISAL SERVICES File Na. 1 12/02/2010 Richard Weber, Esquire 126 East King Street Shippensburg, PA 17257 File Number: 10-0422 In accordance with your request, I have appraised the real property at: 3301 Ritner Highway Newville, PA 17241-9502 The purpose of this appraisal is to develop an opinion of the defined value of the subject propE~rty, as improved. The property rights appraised are the fee simple interest in the site and improvements. In my opinion, the defined value of the property as of October 14, 2010 is: $205,000 Two Hundred Five Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, assignment conditions and appropriate certifications. Respectfully submitted ~. Stan A. Skowronek PA Certified Residential Real Estate Appraiser Summary Small Residential Income Property Appraisal Report File No. 10-0422 The purpose of this appraisal report is to provide the client with a credible opinion of the defined value of the subject property, given the intended use of the appraisal. Client nlame/lntended user Richard Weber ES uire E-mail N/A Client Address 126 East Kin Street ci Shi ensbur -state PA zi 17257 additional Intended users The Intended User of this a raisal re art is the Client. No additional intended Users are ermitted without the ermission of the a raisers . -- Intended use The Intended Use is to evaluate the roe that is the sub•ect of this a raisal to r~ovide the Client with an accurat~~ and ode uatel su orted o inion of value. -- Pro er Address 3301 Ritner Hi hwa ci Newville +3tate PA zi 17241-9502 owner of Public Record Mains Gereth M. 8~ Ma E. ~ t:ounry Cumberland Le al Descri ciao Deed Book U29 a e 845 --- " Assessor's Parcel # 46-10-0620-020 Tax Year 09/10 Ft.E. Taxes $ 902.00 Nei hbonc~od Name West Pennsboro Township nn~n o.s.,.,,...,- ~ n nc.~n '- - - --- __ ~.cir~u~ 1141.1 O ILO.VV ro er Ri hts A raised X Fee Sim le Leasehold Other describe M research did X did not reveal an rior sales or transfers of the sub ect roe for the three ears rior to the effective date of this a praisal. Prior SalelTransfer: Date 02/22/1982 Price $1 Sources Deed Analysis of prior sale or transfer history of the subject property (and comparable sales, rf applicable) No~rior transfers of the sub ect within th j e past 36 months, nor were there an rior transfers of the cam arables within 12 months of their sale date. Offerings, options and contracts as of the effective date of the appraisal N/A ~- Neighborhood Characteristics 2-4 UnitHOUSingTrends 2-4 Unit Housin g Presen[landUse% Location Urban X Suburban Rural Pro a Values Increasin X Stable Declinin PRICE __ AGE One-Unit 60 °ro Built-U Over 75% X 25-75% Under 25% DemandlSu I Shorta e X In Balance Over Su I $ 000 __ rs 2-4 Unit 0 % Growth Ra id X Sable Slow Marketin Time Under 3 mths X 3-6 mths Over 6 mths 120 I_ow 25 Multi-Famil 0 N i hb h ' e g or ood Boundaries The sub ect is bounded on the north b Main St on the east b - 200 High 100 commercial 0 °r° route 34 on the south b Ritner H and on the west b route 696 . 150 Pred. 75 Other Vac 40 % Neighborhood Description The subject is located at the signalized intersection of route 233 and ro t 11 i u e , t is in an Industrial zoned " area with residential and commercial use wtthtn its net hb h d or oo . It is within close roximi to arnmenities such as schools, sho in and em to merit. - Market Conditions (including support for the above conclusions) See Attached Addendum Dimensions 360x262.5x160x70x200x186 Area 1.54 Acres m/I Sha a Irre ular - S ecific Zonin Classification I __ View Open Country Zonin Descri Gan Industrial Zonin Cam liance Le al X Le al Nonconformin Grandfathered Use No Zonin Ille al describe Is the highest and best use of the subject property as improved (or as proposed per plans and specificalions) the present use? X Y es No If No, describe. See Attached Addendum Utilities Public Other describe) Public Other describe - Off-sitelm rovements-Type Pubfic Private Electrici X 100 am 3 water X Shared** Street Macadam X Gas Sanitar Sewer X Se tic Alle NOrie site comments Private water and sanita s stems are common to the area and ha ve no adverse affect upon marketability. '295.46x271.68. "*The sub-ect shares a well with ad' i i o n n roe 698 Centerville Road . The vvell is located on the subject roe Public utilities in t t b . s ree roe but not connected. - GENERAL DESCRIPTION FOUNDATION Units Two X Three Four EXTERIOR DESCRIPTION materials INTEP,IOR materials Concrete Slab Crawl S ace Accessor Unit describe below X F Foundation Walls Stone/Av F=loors Cpt/Vn/Pine/Av ull Basement Partial Basement Exterior Walls BriCk/Av W # of Stories 2 # of bld s. Basement Area 1 976 s ft alls Drywall/Avq Ro f S rf , . . T e :C Det. Att. S-DeL/End Unit Basement Finish ° 0 /o o u ace Metal/Av 17im/Finish Wood/Avq Gutters & Downs o r Al i X Existin Pro osed Under Const X O id u s um num/Av Bath Floor Vinyl/AVQ . uts e Ent !Exit Sum Pum D Window T e Double Hun /Ayr Bath W i D esi n S le 2 Sto Evidence of Infestation a nscot all/Av Storm Sash/Insulated Thermal/Av YearBuil[ 1900 Dam Hess Setuement Car Storage Screens Yes/Av Effective A e Yrs 25 Heating/Cooling None ameniti Atuc None FWA X es X Drivewa # of Cars 8 HW Radiant Fire laces # WoodStove s # Dro Stair X Stairs Other Fuel OII Drivewa Surface Stone X Patio/Deck X Fleor Scuttle Central Air Conditionin Fence Gara e # of Cars Pool X Parch Finished Heated Individual Other ~f nF Ann!:.......... n-~-.____.__ _ _ Car art # of Cars Other ___ i AN n_. _ .... Unit # 1 contains: - --- - .. vunwasnet u Ul5 oral U 5 Rooms 3 Bedroom s 1 Batl Unit # 2 contains: 4 Rooms 2 Bedroom s 1 Batt Unit # 3 contains: 4 Rooms 2 Bedroom s 1 Batt Unit # 4 contains: Rooms Bedrooms Batt Additional features Front porch. Side patio NOTE• Subject has fire not valued hereto. Tenants supp ly all of their own kitchen anal Comments on the Improvements Improvements are in average condition _U I Washer/Dryer 0 ~ Other (ce 1,368 Square feet of Gross Living Area 1 292 Square feet of Gross Livinq Area 1292 Square feet of Gross Livinq Area Square feet of Gross Livin Area 's which have been made inope~r 's. Property has three furnaces: no physical or functional inadeo n d are ~~rnn Produced usng ACt sahvsre. 900.234.8727 www.adweb.com Page i of 3 This form Copyright o 20052010 ACi aeon of 150 Grams Semcrs. Inc., All Righ6 Reserve0. (gPAR^') General purpose Appraisal Report 01/2n07 GPAR3025 0709112009 ADDEiVDUM Client: Richard Weber, Es wire - Pro ert Address: 3301 Ritner Hi hwa File No.: 10-0422 City: Newville Case No+: State: PA Zip: 17241-9502 ~feighborhood Market Conditions List!'Sale ratio approximately 95%. I have considered relevant competitive listings and/or contract offerings in the performance of this appraisal and in the trending information reported in this section. If a trend is indicated, I have a~~tached an addendum providing relevant competitive listing/contract offering data. Local multi-list data indicates stable market in the past calendar year with no appreciation in the subjects market area, with an average marketing time of 90-180 days. Economic trends and fending rates have remained favorable. Sales concessions are occuring more frequently; however, there is no known prevelance of unusual seller financing concessions or buydowns. There are new homes under construction in surrounding developements, as well as resales available in the neighborhood. Highest and Best Use PlOTE: The current highest and best use as residential can be considered an interim use; however, the future use would be commerdcial in nature due to the signalized location and permitted by the current zoning. Highest and Best Use The current highest and best use as residential can be considered an interim use; however, the guture use would be commercial in nature due to the signalized location and permitted by the current zoning. Addendum Page 1 of 1 Summary Small Residential Income Property Appraisal Report ,.., ~~ ;gPAR ^') Genera P ~ "" "'y"u neserve0. urpose Appraisal Report OL2007 GPAR1025 0709112009 Summary Small Residential Income Property Appraisal Report Fil N 1 FEATURE e O. 0-0422 SUBJECT COMPARABLE SALE NO 1 . 3309 Ritner Hi hwa COMPARABLE SALE N0.2 COMPARABLE SALE N0.3 9 Y 326 8 328 N. College Street 119 & 121 N. Washin add ton Slt 1 Pl ress ewville, P g 8r. 3 W. Pine Street A 17241 Carlisle, PA 17013 Sh Proximi to subect 11.48 miles NE i ensbur , P A 17257 Mt. Nolly Springs 17065 Sale Price 5 N/A 8.01 miles SW 8.67 miles ESE Sale PricelGross Bld .Area $ 0.00 s . ft 5 70 56 s ft $ 210,000 3 185,0(10 - ~ 225 000 Grass Month/ Rent . . g 1 080 $ 1 905 $ 53.90 s . ft ~ 42,43 s . ft Gross Rent Multi tier 189.81 110 24 s 2,319 's 2,585 - Price Per unit . $ 68,333 $ 105 000 79'78 87.04 Price Per Room , 3 15,769 s 17 500 $ 46,250 _ _ ~s _ 56,250 _ Price Per Bedroom , S 29 286 s 35 000 $ 11,563 - _ ~~ 15 000 Rent Control , Yes X No Yes X No $ 23 125 _ ~~ 32,143 Data Sources Ins ection CPMLS 10181545 Yes X No CPMLS 10178487 Yes X No verification Sources Courthouse Courthouse ~GPMLS 10172097 VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION Courthouse + - Ad ustment DESCRIPTION Courthouse _ + 5ale or Financing N/A None, Other None Conv - Ad ustment DESCRIPTION + - - --.-.-_ Ad ustment concessions DOM 199 , DOM 23 None, Conv Date of Sale/time N/A 01/25/2010 07/29/2009 _ DOM 77 Location Suburban Su erior -5 000 Su erior 03/06/2009 LeaseholdlFee Sim le Fee Sim le Fee Sim le , -5 00(I Suburban site 1.54 Acres m/I .16 Acre m/l Fee Sim le 10 350 23 Acre m/I Fee Sim le ` view O en count Residential , . Residential 9,825 ,31 Acre m/I 9,225 Desi n S le 2 Sto 2 Sto Residential uali of construction Avera a Avera e 2 Sto 2 Sto : Actual A e 100+ Years 100+ Years Avera a Averacle condition Avera a Av /Good -5% 100 Years -10,500 Avera a 100+ Years _ GrossBuildin Area15 3 952 2,976 14 640 3 432 Avera e Unit Breakdown Total Bdrms. Baths Total Bdrms. Batlu , 7,800 5,303 -20 265 , Unit ~ 1 5 3 1 6 3 2 Taal -5 000 4 Bdrms. Baths 2 1 Total Bdrms. Baths Unit # 2 4 2 1 6 3 1 3 1 1 . Unit tt 3 4 2 1 4 2 1 4 2 1 Unit k 4 10,000 4 2 1 4 2 1 BasementDescri lion Full Bsmt Full Bsmt 4 2 1 Full Bsmt -10,000 4 2 1 -10 000 Basement Finished Rooms Unfinished Unfinished Full Bsmt Functional utili Avera a Avera a Unfinished Unfinished +'- Heatin lCoolin FWA/None EBB/FWA/None Avera a -- Avera e Ener Efficient Items T ical T ical HWBB/None HWBB/None Parkin onlotf site 8 Car Offstreet 2 Car Offstreet T ical 2,000 2 Car Offstreet ~ical Porch/Patio/Deck Porch/Patio Porch/Balcon 2,000 1 Care/2 Offstrt 0 Porches/Blcn s -2,000 Porches -1,000 Net Ad ustment Total Adjusted Sale Price X + - g 16,490 X + $ 2'625 ~ + X of Com arables ~ Net Adj. 7,g % Gross Ad~. 27.4 % $ Net Adj. 1.4 % 226 490 G - $ 22,040 filet Adj. _g,g o~ Ad . Prjce Per Unit (Adj. SP Comp / X of Camp Units) s 113 245 , ross Ad . 19.8 % $ 187,625 Gross; Ad . 18.0 % S 202,960 , Ad .Price Per Room ((Adj. SP Comp l # of Comp Rooms) ~ 18 874 $ 46,906 g'-- 50,74U Ad'. Prjce Per Bdrm. (Ad. sP comp r a or comp eedroansl s 37 748 $ 11 727 ~__ 13,531 Summary of sales Compariso $ 23 453 $_ 28 994 n Approach Opinion of value range is $188 000 to $226 0 , 00 Surplus acreage adjustments are made at $7 500 er acre. Condition ad ustment for com arable #1 reflects recent jnteri or renovations. The location adjustment for com arable Nos. 1 and 2 reflects roximi to colle es and their student rent l a o ulati re aired an ex anded search in both time and distance. These are the best multi f i on. A lack of malt/-famil sales ava lable. - amil sales coml~arables known to be tsttmatetl Month/ Market Rent $ 2,050.00 X Gross Rent Multi tier 99.00 = $ 202,950 Indicated Value b Income A roach _ Summary of Income Approach (including support for market rent and GRM) The comparable GRM has a mean of 92 and a standard deviation of 8. Based ulpon this analysis we reconcile the GRM at 99. u,urca[eo value n :sates Com arison Ap roach S 205 OOO CostA proach(ifdeveloped $ N/A IncomeApproach~ifdeveloped The Market Data Anal sis and the Income su ort m o inion of value for the sub'ect. The Cost A Broach was an appropriate indicator of value; therefore, was not included herein -- 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 fallowing repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been com leted r~ The roe has been a raised in current condition. This a raisal is for mort a e par oses onLJl subject to the following: attached addendum. ,_nontransferable. See Based on the scope of work, assumptions, limiting conditions and appraiser's certification, my (our) opinion of the defined value of the real property that is the subject of this report is 5 205,000 _ as of 10/14/2010 @~9l~~yN~ ,which is the effective date of this appraisal. ~~ r,.~ Protlucetl usng ACI sohware. e00.234.e727 www.auweb.com ~~ Page 3 of 3 Ttus form CapyngM ®2005~ZO10 ACI Divi9cn or 150 Claims 5ennces, Inc., All Rigflts Reserve/ S. W. Barrett Real Estate & Appraisal Services t9'ARA1)GeneralPUrposeAppraisalReport 03/2007 GPAR3025_07 OB312006 File No. 10-0422 Scope of Work, Assumptions and Limiting Conditions Scope of work is defined in the Uniform Standards of Professional Appraisal Practice as "the type and extent of research and analyses in an assignment" In short, scope of work is simply what the appraiser did and did not do during the course of the assignment. It includes, but is not limited to: the extent to which the property is identified and inspected, the type and extent of data researched, the type and extent of analyses applied to arrive at opinions or conclusions. The scope of this appraisal and ensuing discussion in this report are specific to the needs of the client, other identified intended users and to the intended use of the report This reportwas prepared for the sole and exclusive use of the client and other identified intended users for the identified intended use and its use by any other parties is prohibited. The appraiser is not responsible for unauthorized use of the report The appraiser's certification appearing in this appraisal report is subject to the following conditions and to such other specific conditions as aze set;orth by the appraiser in the report All extraordinary assumptions and hypothetical conditions are stated in the report and might have affected the assignment results. 1. The appraiser assumes no responsibility for matters of a legal nature affecting the property appraised or title thereto, nor does the appraiser render any opinion as to the title, which is assumed to be good and marketable. The property is appraised as though under responsible ownership. 2. Any sketch in this report may show approximate dimensions and is included only to assist the reader in visualizing the property. The appraiser has made no survey of the property,. 3. The appraiser is not required to give testimony or appear in court because of having made the appraisal with reference to the property in question unless arrangements have been previously made thereto. 4. Neither all, nor any part of the content of this report, copy or other media thereof (including conclusions as to the property value, the identity of the appraiser, professional designations, or the firm with which the appraiser is connected), shall be used for any purposes by anyone but the client and other intended users as identified in this report, nor shall it be conveyed 6y anyone to the public through advertising, public relations, news, sales, or other media, without the written consent of the appraiser. 5. The appraiser will not disclose the contents of this appraisal report unless required by applicable law or as specified in the Uniform Standards of Professional Appraisal Practice. 6. Information, estimates, and opinions furnished to the appraiser, and contained in the report, were obtained from sources considered reliable and believed to be true and correct However, no responsibility for accuracy of such items tarnished to the appraiser is assumed by the appraiser. 7. The appraiser assumes that there are no hidden or unapparent conditions of the property, subsoil, or structures, which would render it more or less valuable. The appraiser assumes no responsibility for such conditions, or for engineering or testing, which might be required to discover such factors. This appraisal is not an environmental assessment of the property and should not be considered as such. 8. The appraiser specializes in the valuation of real property and is no[ a home inspector, building contractor, structural engineer, or similar expert, unless otherwise noted. The appraiser did not conduct the intensive type of field observations of the kind intended to seek and discover property defects. The viewing of the properly anti any improvements is for purposes of developing an opinion of the defined value of the property, given the intended use of this assignment Statements regarding condition are based on surface observations only. The appraiser claims no special expertise regarding issues including, but not limited to: foundation settlement, basement moisture problems, wood destroying (or other) insects, pest infestation, radon gas, lead based paint, mold or environmental issues. Unless otherwise indicated, mechanical systems were not activated or tested. This appraisal report should not be used to disclose the condition of the property as it relates to the presence/absence of defects. The client is invited and encouraged to employ qualified experts to inspect and address areas of concern. If negative conditions are discovered, the opinion of value may be affected. Unless otherwise noted, the appraiser assumes the components that constitute the subject property improvement(s) area fundamentally sound and in working order. Any viewing of the property by the appraiser was limited to readily observable areas. Unless otherwise noted, attics and crawl space areas were not. ac:essed. The appraiser did not move furniture, Floor coverings or other items that may restrict the viewing of the property. 9. Appraisals involving hypothetical conditions related to completion of new construction, repairs or alteration are based on the assumption that sucfl completion, alteration or repairs will be competently performed. 10. Unless the intended use of this appraisal specifically includes issues of property insurance coverage, this appraisal should not be used for suctl purposes. Reproduction or Replacement cost figures used in the cost approach are for valuation purposes only, given the intended use of the assignment. The Definition of V;ilue used in this assignment is unlikely to be consistent with the definition of Insurable Value for property insurance coverageluse. 11. The ACI General Purpose Appraisal Report (GPAR'"") is not intended for use in transactions that require a Fannie Mae :1026/Freddie Mac 72 form, also known as the Small Residential Income Property Appraisal Report (2-4 Family). Additional Comments Related To Scope Of Work, Assumptions and Limiting Conditions Nmuue ~r ~~ rrn Produced using ACI sohware. 800.23x.8727 www.aowe6.com ~t®J Pagel 0f 2 This form Copyright ®20052010 ACI pivition of I50 gains Berates, Inc., All Rights Reserved. ;gPAR^') General Purpose Appraisal Report OS!2fx7) GPARlIM1028 0708112008 File No. 10-0422 AprDraiser's Certification ____ The appraiser(s) certifies that, to the best of the appraiser's knowledge and belief: 1. The statements of fact contained in this report are Vue and correct. 2. The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions and are the appraiser's personal, impartial, and unbiased professional analyses, opinions, and conclusions. 3. Unless otherwise stated, the appraiser has no present or prospective interest in the property that is the subject of this report and has no personal interest with respect to the parties involved. 4. The appraiser has no bias with respect to the property that is the subject of this report or to the parties involved with this assignment. 5. The appraiser's engagement in this assignment was not contingent upon developing or reporting predetermined results. 6. The appraiser's compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value ~r direction in value Nat favors the cause of the client, [he 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. 7 The appraiser's analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice. 8. Unless otherwise noted, the appraiser has made a personal inspection of the property that is the subject of this report. 9. Unless noted below, no one provided significant real property appraisal assistance to the appraiser signing this certification. Significant real ilroperty appraisal assistance provided by: Additional Certifications: iVone Definition of Value: XO Mazket Value ~ Other Value: Source of Definition: USPAP -- _ IThe most probable price in terms of money which a property should bring in competitive and open market under all cond'Itions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. ADDRESS OF THE PROPERTY APPRAISED: _ 3301 Ritner HiQhway Rlewville, PA 17241-9502 EFFECTIVE DATE OF THE APPRAISAL: October 14, 2010 APPRAISED VALUE OF THE SUBJECT PROPERTY $ 205,000 APPRAISER SUPERVISORY APPRAISER Signature: - ~-r",lU.,:~ ~' ~ ~~. "C.J ~ ,,...,, ~ Signature: Name: Stan A. Skowronek tvame: Steven W. Barrett SRPA, SRA, ASA State Certification # RL001572L State Certification # GA000298L _ or License # or License # R6026921A or Other (describe): State #: State: PA State: PA Expiration Date of Certification or License: June 3U, 2011 Expiration Date of Certification or License: June 30, 2011 Date of Signature: 12/02/2010 __ Date of Signature and Report: 12/02/2010 Date of Property Viewing: 10/14/2010 Date of Property Viewing: 10/14/2010 -- Degree of property viewing: Degree of property viewing: XC~ Interior and Exterior XO Interior and Exterior ~ Exterior Only ~ Did not personally view ^ Exterior Only ~ Did not personally view r Produced uvng ACI sohware, a00.234.8727 www.aziwe0.com This form CopyngM O 2005-2010 AG bivisian of ISO Galms Semces, Inc., All RigMS Reserved. ' Page 2 or 2 (gPAR"')General Purpose Appraisal Report (1512007 S. W. Barrett Real Estate & Appraisal Services OPARl1M1025 0)08112008 ~~,~erating Income Statemen# ._ OnE~- to Four-Famil Investment Pro e and Two- to FoumFamry Owner-Occu red Pro e Property Addre:~s ~- 10-0422 3301 Ftitner liighway SUeet Newvi I le FA 17241-9502 Zip Code General Instructions: This form is to be prepared jointly bylthe loan applicant, the appraiser, and the lender's underwriter. The applicant must complete the following schedule indicating each unit's rental status, lease expiration da~~e, current rent, market rent, and the responsibility for utility expenses. Rental figures must be based on the rent for an "unfurnished" unit. Currently Expiration Current Rent Rented Market Rent Date Per Month Per Month Paid Paid Unit No. 1 Yes x No M to M $ Utility E;cpense By Owner By Tenant Unit No. 2 Yes No x 280 $ 750 Electricity O O M to M $ 500 $ 650 Gas Unit No. 3 Yes x No M to M $ ~ ...... . Unit No. 4 Yes _ No 300 $ 650 Fuel Oil Total - $ $ $_______ Fuel (Other) a O 1 080 $ 2,050 WatedSewer ..~ 0 The applicant should complete all of the income and expense projections and far existin Trash Removal .... ,(~ (~ statements for the past two years (far new properties the applicant's projected income and expenoesrmust,be ,orovaid d). yThise0pepaUnlgg Income Statement and previous operating statements the applicant provides must then be sent to they appraiser for review, com- ment, and/or adjustments next to the applicant's figures (e.g., App/icant/Appraiser268/3o0J. If the appraiser is retained to complete the form instead of the applicant, the lender must provide to the appraiser the aforementioned operating statements, mortgage insur- ance premium, HOA dues, leasehold payments, subordinate financing, and/or any other relevant information as to the income and expenses of the subject property received from the applicant to substantiate the projections. The underwriter should carefully review the applicant's/appraiser's projections and the appraiser's comments concerning those projections. Ttie underwriter should make any final adjustments that are necessary to more accurately reflect any income or expense items that appear unreasonable for the market. (Real estate taxes and insurance on these types of properties are inc/uded in P/T/ and not ca/culated as an annual expense item.) Income should be based on current rents, but should not exceed market rents. When there are no current rents because the property is proposed, new, or currently vacant, market rents should be used. Annual Income and Expense Projection for Next 12 months Income (Do nat inc/ude income for owner-occupied units) Gross Annual Rental (homunit(sjtoberentedj Other Income (;nclude sources ~ • ~ ~ ~ " Total ~ ~ " Less Vacancy/Rent Lass .............. Effective Gross Income Expenses (Da not include expenses forowner-occupied units) Electricity ......................... ................. Gas ................................ Fuel Oil ~ • • ............. .......... Fuel ............... .................... ......(TYPe- ) Water/Sewer .................................. Trash Removal • Pest Control Other Taxes or Licenses Casual Labor ~ ~ ~ ~ ~ ~ ~ " ' ' This includes the costs for public area cleaning, snow removal, etc., even though the applicant may not elect to contract for such services. Interior PainUDecorating . • This includes the costs of contract labor and materials that are required to maintain the interiors of the living units. General Repairs/Maintenance This includes the costs of contract labor and materials that are required to maintain the public corridors, stairways, roofs, mechanical systems, grounds, etc. Management Expenses These are the customary expenses that a professional manage- ment company would charge to manage the property. Supplies .. ..... • ... . This includes the costs of items like light bulbs, janitorial supplies, etc. Total Replacement Reserves -See Schedule on Pg. 2 Miscellaneous ~ • .............. .......... ......................... Tataf Operating Expenses Adjustments by By ApplicanUAppraiser Lentler's Underwriter $ - 12,960 $ + -- $ - 1:2,960 $ 648.00 ( 5 %) - ( %) $ 12,312 $ 696 648 - 1,575 919 $ Summary 10-0422 Replacement Reserve Schedule Adequate replacement reserves must be calculate regardless of whether actual reserves are providE~d for on the owner's operating statements or are customary in the local market. This represents the total average yearly reserves. Generally, all equipment and com- ponents that have a remaining life of more than one year-such as refrigerators, stoves, clothes was~ers/dryers, trash compactors, furnaces, roofs, and carpeting, etc.-should be expensed on a replacement cost basis. ~~u0pment Replacement Remaining By Appllicant/ Lender Cost Life Appriaiser Adjustments Stoves/Ranges @$ ea.= Yrs. x Units=$ $ Refrigerators @$ ea.= Yrs. x Units =$ _ _ _~_ $ Dishwashers @$ ea.= Yrs. x Units =$ _ _ $ A/C Units @$ ea.< _ Yrs. x Units =$ __ $ - ~_ C. WasherlDryers @$ ea.= Yrs. x Units =$ _ $ HW Heaters @$ 500.00 ed,. 10 Yrs. x 3 Units =$ _ 150.00 $ Furnaces ()....... 4,500.00 ... @$ ea.= 20 Yrs. x 3 Units=$ _ __675.00 $ (Other) @$ ea.= Yrs. x Units =$ _ $ Roof .. @$ 15,000.00 20 Yrs. x One Bldg. _ $ __750.00 $ Carpeting (Wall to Wall) Remaining Life (Units) Total Sq. Yds. @ $ Per Sq. Yd. _ Yrs. _ $ $ (Public Areas) Total Sq. Yds. @ $ Per Sq. Yd. _ Yrs. _ $ _ ____ $ Total Replacement Reserves. (Enter on Pg. 1) $ 1,5'75.00 $ ©perating Income Reconciliation $ 12,312.00 -$ 2,919.00 =$ 9,393.00 =12== :6 782.75 Effective gross Income Total Operating Expenses Operating Income Monthly Operating Income $ 782.75 - $ _$ 782.75 Monthly Operating Income Monthly Housing Expenses Net Cash Flow (Note: Monthly Housing Expense includes principal and interest on the mortgage, hazard insurance premiums, real estate taxes, morn gage insurance premiums, HOA dues, leasehold payments, and subordinate financing payments.) Underwriter's instructions for 2-4 Family Owner-Occupied Properties If Monthly Operating Income is a positive number, enter as "Net Rental Income" in the "Grass Monthly Income" section of Freddie Mac Form 65IFannie Mae Form 1003. If Monthly Operating Income is a negative number, it must be included as a liability for qualification purposes. • The borrower's monthly housing expense-to-income ratio must be calculated by comparing the total Monthly Housing Expense for the subject property to the borrower's stable monthly income.. Underwriter's instructions for 1-4 Family Investment Properties • If Net Cash Flow is a positive number, enter as "Net Rental Income" in the "Gross Monthly Income" section of Freddie Mac Form 65/Fannie Mae Form 1003. If Net Cash Flow is a negative number, it must be included as a liability for qualification purposes. • The borrower's monthly housing expense-to-income ratio must be calculated by comparing the total monthly housing expense far the borrower's primary residence to the borrower's stable monthly income. Appraiser's Comments (inc/udingsou~cesfordataandiationaleforthep~ojectionsJ i=orecasted rents appear fair for the local market conditions. Stan A. Skowronek ~ ,~,~ 12/02/2010 Appraiser Name Appraiser Signature Date PA Certified Residential Real Estate Appraiser Underwriter's Comments and Rationale for Adjustments Underwriter Name Underwriter Signature ri cuurc niau PAGE 2 OF 2 -' Form 998 Aug 88 Pmtlucetl using ACi software, 800234.8127 wvnv.a[iwe~.cram Fannie Mae Form 216 Aug 88 S. W. Barrett Real Estate ~ Appraisal Services Client Rir_harrl wotie, e..,...: FLOORPLAN Pro e Address: 3301 Ritner Nighwav File No.: 10-0422 City. i~lewvllle Case No.: State PA Zip: 17241-9502 Eat-In a ~ Kitchen f I °' `, ~ ~~ I ~ 1 Living c ~ U Eat-In Y f I Eat-In I ~~ Living Kitchen I ~ i Living Covered Porch Bedroom i Bedroom '` Bedroom Bath Bedroom i ~ Bedroom ~ ;. Bedroom ~; Bedroom _ , , . Bath Bath Sketch by Apex Medina "~ Comments: AREA CALCULATIONS SUMMARY code Description LIVING AREA BREAKDOWN Net Size Net Totals GT.ni Unit #1 1st Floor 684 0 Breakdown Subtotals Unit #2 1st Floor . 646 0 Unit #1 1st Floor Unit #3 1st Unit #1 2nd Floor Floor . 646.0 Unit 18.0 x 38.0 #2 1st Floo 684.0 Unit #2 2nd Floor 684.0 646 0 r 34.0 x 19 0 Unit #3 2nd P/P Floor . 646.0 I 3952 0 Unit . #3 1st Floor 646.0 Porch Patio . 168.0 Unit 34.0 x 19.0 #1 2nd Flo 646.0 I 295.0 463.0 or 18.0 x 38 0 iJnit . #2 2nd Floor 684.0 j Unit 34.0 x 19.,0 #3 2nd Floor 646.0 34.0 x 19.0 ~ 646.0 Net LIVABLE Area (rounded) ~ 3952 6 Items I (rounded) 3952 SUBJECT PROPERTY P~iOTO ADDENDUM Client: Ricr~ard Weber, Esquire File No ~ 10-0422 Propery Address. 3301 Ratner Highway Case No.: Ci` . ~le'nn'~Ile State PA ~ - _ Zjp__17241-9502 I i ~ _ °' :, ,: - ~, ~ = ~= .~ j .d..~... ._. ..... _ i _' F i ~ .1 ~,~ i. -....::. Xy ~ .. ~--. I.,..i1 -....1. ..__.. _._ - .YLr~~~ - g t - ~ s ' t .C _ i ~_ ids'" J ~ 2 ~~ ~~~ t i _-._ _ ~ ~ ;ate, -~.. +s _ . _ _ _~ -~ r * ; '~T9~u - ~ ~ '1 J ~ ~ 1 .It -_~ ~ T t '1 {tea r i ,~~~~ ~~ a t A~~'t11~ - `~ , i r_ ~ 5 { 'IFS , ~_ f~_/i r• ,~ •r. ~ -~ t 3i fib.-.. ~ x S,.-~{ ~ (/ i n ~. ~ fix} -+~ £ ~ "~" Y" mow.., T~Y.t ~, 44. , _s.. ~ ,,, ~-'z,C`'. r x""k ti`y'-~ -w5 ~ »~ til' v.Cl [ ~"~ l -h- ..-. FRONT' VIEW OF SUBJECT PROPERTY Appraised Date: October 14, 2010 Appraised Value: $ 205,000 REAR VIEW OF SUBJECT PROPERTY STREET SCENE Client: ~ic~hard Weber, Esquire File No.' _ 1(1-0422 Property Address: 3301 Ratner Highway Case No City. Rievwelle - _ State' PA _ Zip: 17241-9502 PHT3 Produced using ACI software, 800.234.8727 wxw.aciweh.com ' C;UMt'AKABLE PROPERTY PHOTO ADDENDUM Client: Richard Weber Esquire File No.:_ 10-0422 Properh/ Address. 3301 Ritner Highway Case No City. Ple~nrviile State: PA Zip: 17241-9502 _, I ~" 4 ~• ~. ` -~ - T _ - "" ~ - s61~. ' '"1~~+ l~"~y ~ -~~!!ldtlNlllMf«Iltwfll:'lllfflf~RIf11R1~p "'*w-~+.:j`"`""°`~,...w1"~-+~~=-~. r iS IITIRRp~IIR ~/ .1. .~i c.i '.ii l.f~l~lEfli ili,Sf~II1 i Sri t`• t~<< t ~~ ~; !~ COMPARABLE SALE #1 326 8< 3.28 N. College Street Carlisle, PA 17013 Sale Date: 01/25!2010 Sale Price::$ 210,000 COMPARABLE SALE #2 119 & 121 N. Washington St Shippen;sburg, PA 17257 Sale Date: 07/29/2009 Sale Price: $ 185,000 COMPARABLE SALE #3 1 & 3 W. Pine Street Mt. Holly Springs 17065 Sale Date: (13/0612009 Sale Price: y> 22.5,000 LOCATION MAP Client: Richard Weber, Esquire File N~o.: 10-0422 Property Address. 3301 Rltner Highway Case ~o.: Ci . Piewvllle State PA r Zip: 17241-9502 ... 74 _ _ - -. - _-- _ _ _ - -- - - !Comparable Sale 1 326 «328 N. College Street _ --_~_ - - e_aa_ -_--- Carlisle, PA 17013 --- (11,48 miles PJE) - - - 34 l ~G'~A 99i ~ - _~~ ~'~~ Comparable Rental 2 ~^~~`~ 83 E. 1~1ain Street __ __ _ ----:.:z~_ -= l~ "" Newuille, PA 17241-1139 - --- _ - ~ -- "~vy ~-~_ (2,89 miles NN~V) -- -~ I --_-- ~ CarlisleJ` ' -- _ -- -~~~ -~~ =~ - - ,,.II 841' - ~I'i _- ,_ .~ -- ~ _ ~ Comparable Rental 3 ~ ~m 20-22 PJ, High Street __~ ,~ ~~, Ne7,,;ville, PA 17241-1109 - - ~~rJ `- Newuille i 12.92 milES NVv' j `-~ ?~oa~ ~~ P E ~fd~-M-S-~-J=:;1f~ 3C fi! I ,Ar ~ a~3 Subjeck ~ - 3301 P,itner Highway Newuille, PA 17241-9502 ~,~ . 34 - .~_ rJ ~~• I ~mparable.Sale 3 - - -- - ---'"' 1 «2 W. Pine Street ,:._. ~ - 533 - Mt, Holly Springs, PA 17065 _ - i7a' (8.67 miles ESE} Comparable Rental 1 ~ ~• ~-- 4 W. Main Street _. Dickinson --- _:_'"Q~r~¢ -~~~~~ngs ` Nlalnut f;ottom, P.4 17256-9716 _ - -- _ ~'' __ ' (3.99 miles SSVd) - _ - --- ~~~ Comparable Sale'2 ~' 119 « 121 N, Washington St __ -,_ .~rl Shippensburg, PA 17257 ~ = .. t. ~, (8.01 miles SW} - __-,-, _- y~ i' ~ I - - I . ot°iB `'' ~ I r y~h Fine G'rovr ___ -- ,fit •<<~ Mate Fark am ~ _ .. ~ i ~, o ~' 34 - - - ~7 .. _ 1~ - ~ ..... _ - - Ir ~S _ _._ ~ - ~ Bendersuille ~~ : ~ I -- - f ~ o.- miles ~'V 10 Microsoft GOry""~A2006 NA47FQ,ana/orTtle GCU,inc. 1, [} ~; p,l _.- Client: Richarri wa-,o.. G~,...:_.. Pro e Address: 3301 Ritner Hi hwa File No.: 10-0422 Ciry: ~lewville Case No.: State PA ~_ Zip; 17241-9502 ~~~~~r~~~ ~~~iv~~ ~':~~=~1 LdilE~ ire as ii:unaaied Iry V u-year flooding +~78n"S cuts_>re oi`i,;e i00- ars9 50d-yeaiFCa~~;:a~;:s dt'V:'.•, ~titr,'~i,~tl ~y i~my6,1r nd6diny ..__... _......_, A.I UY'$ ;:~~-~i:titia ~y ~at~yaar noosing .iil:ro vet">:~zily s~,•~ _.,_ F'~ccrray~ aroas :.~h ~o~loc:jV n:xrafa :et{t;,g Tf n;rt.i:i•'~+~c1lnria r::9 ;;adtr'c ~>:3+it fi:;+Fafd: ax.e : rtc! ~rtL_+pc~ on a,ry,_~~bnoa FIR`1 Flva~c~ Iirtf+~T-tf;3tiu~ti Ccmrrurilyr: 421a~0 - y,+5:'~;,T Pi=P1P1GCi[}~>ri, T~2~ifr~RlSEIIP ~f P'rc~~~y is rat in a ~Eh.7rA. spacial flt~cd I~az,~rd arc~a_ 'utap PJurnher 42C.liCrJ215~ Map (ja.i;E;; !la^fi~:'21;q~i Farel: 0215E F9~'~: 420 1 Zane: X ~ktvlilYr 7r:lfi ;?,319th::] Flc:ail Ii;3",yyi C~~rtlfir:~f~itl iT=i=Gj ri~i ~~CI rY3;t~i; :i,;; reps=antaclor5. cr •>'o.~rra~~tes ;o ar'1 Far;y cc~.rem;r•,q the cGmd7;t, accurarv oa conspietenss, Ot'h5 ~IOCd r9FGft, In G~~dIT~ dnN 4L'af73nt~ Cif T~67LS ifrltavlll`f 4f titri•~s h;r a p;,iG::11ar F°lrpc~:,:>. ,Ve;lh,?r T'rH~: ncir:sCl r.:irthr3 sr11~°r rrf the: fl:;ud repuri shall hr,~re srr5~ ilabllltf >L ar~y ihsiy ~:sn~ fc:r am.~ use or misusa of this flc.od rspari_ File No. 1 ~~* QUALIFICATIONS ********* The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the Inspection of the subject property, the comparables sales, and their neighborhoods and locations. Unless otherwise nosed, the conditions that apply to the subject property or the comparable sales used DO IV07 AFFECT THE MARKET 'd.~L1lE OP. THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISE D. This is n of a h :nspection service. This is an a raisal to estimate m ome PP arket value. 1. The subject is located in a rural area and is less than 25% built-up. _x_2. Commercial/Industrial uses are located within the subject's neighborhood. These uses are typical of similar ~ neighborhoods. _:c_3. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for the area. _x_4. The predominant value in the neighborhood is less than that of the market value of the subject property. This is due to the very wide range of value of properties in the area and superior quality of the subject property. 5. The subject property is located in a F.E.M.A. Identified Flood Zone. Flood insurance coverage is required and suggested. 6. Dampness is noted in the basement of the subject. Standing or running water was not present on basement floor. This condition is considered typical in dwellings of this style. _x_7. The subject property is serviced by private well and/or septic systems which is common for the area. _x_8. The subject is older than five(5) years. All mechanical systems including the heating, electrical and plumbing systems appear upon a visual exterior inspection to be in working order. No warranties are implied in this statement. 9. Repair items were noted in the comments section of the report. These comments oin repair items are for descriptive purposes only and are not required repairs. The items listed are cosmetic in na~turE~. _10. The basement floor is a dirt floor. This condition is common and typical for the areal. and does not pose a health or safety hazard. _11. The subject property does contain functional obsolescence as noted in the report. This condition is considered typical and common for the area and this style dwelling. _12. 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. _13. 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. _14. Individual adjustments were required that exceed 15%. These adjustments were required due to lack of more similar comparables on that individual rating. All comparables used are the best available. _x_15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were mare similar in the subject's market area. All comparables used are the best available. _x_16. One or more comparable sales are older than six(6) months. Although there are comparable properties in the subject's area, none have sold recently; therefore, sales in excess of six(6) months have to bye used. All comparables used are the best available. _x_17. One or more comparables used were in excess of one (1) mile from the subject property. Although there are comparable properties 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 neighborho~ods~ and within the same marketing area. All comparables used are the best available. _18. The electrical system was not connected during inspection. ,19. The water service was not connected during inspection. _20. The heating system was shut down during inspection. _21. Roofing Plumbing Electrical Heating certification(s) is/are suggested. _22. Inground swimming pool ,out buildings are included ,not included guidelines. according to lender's 23. Accarding to lender's guidelines a maximum of acres were considered for this valuation. Remaining acreage was given no value. No. 1 ~'~* QUALIFICATIONS'~******** _24. The subject property is located on a private road. _26. Wood infestation inspection is suggested. _x_26. Last recorded deed transfer: Date_02/22/1982_, Consideration: $_1.00 _ _27. Proposed construction/renovation in accordance to plans and specifications to manner, be cornpleted in a workman-like _28. Seller is paying part or all of closing costs. _x_29. All comparable sales are verified closed sales. _x_30. There are no special conditions or other requirements that would affect market value crr future marketability in the Appraisal Report. pile No. 10-0422 QUALIFICATIONS ********* Confidentiality and Security Policy j We consider privacy to be fundamental to our relationship with clients. We are committecl to maintaining the confidentiality, integrity and security of clients' personal information. Internal policies have been developed to protect this confidentiality, while allowing client needs to be served. I We restrict access to personal information to authorized individuals who need to know this information to comply with federal standards to protect your nonpublic personal information. We do not disclose this information about you or any former consumers or customers to anyone, except as permitted by law. The law permits us to share this information with our affiliates. The law also permits us to share this information with companies that perform marketing. When we share nonpublic information referred to above, the information is made available for limited purposes and under controlled circumstances. We require third parties to comply with our standards for security and confientiality. We do not permit use of consumer/customer information for any other purpose nor do we permit third parties to rent, sell, trade or otherwise release or disclose information to any other party. C=ducation As of the date of this report, land/or Steven W. Barrett, SRPA, SRA, ASA have completed the requirements under the continuing education program of the Appraisal Institute and the American Society of Appraiisers. S. W. BARRETT REAL ESTATE AID APPRAISAL SERVICES No. 10-0421 ~** INVOICE ********* File Number: 10-0421 Richard Weber, Esquire 126 East King Street Shippensburg, PA 17257 Invoice # : 10-0427 Order Date : 11/17/2010 Reference/Case # PO Number 698 Centerville Road Newville, PA 17241-9501 Appraisal Services Invoice Total State Sales Tax @ Deposit Deposit Amount Due Terms: Payable Upon Receipt -Please, reference the file number Please Make Check Payable To: S. W. Barrett Real Estate & Appraisal Services 505 South Hanover Street Carlisle, PA 17013 $ 350.00 -------------- $ 350.00 $ 0.00 ~~ ) -------------- $ 350.00 Fed. I.D. #: 236646-804 YOUR SINGLE SOURCE...Professional, Efficient Service THANK YOU 11 /29/2010 505 South Hanover Street, Carlisle, PA 17013 S. W. BARRETT REAL ESTATE AND APPRAISAL SERVICES Fue No. 7u-04Z1 APPRAISAL OF 4 1 ~ 5 ! 1 i~~/_-'a- - __.. s~~,~t~YL1,_. ~:~`t~~~r''~'~. ~f ;~~r ~•-:. ~I~xl`~~ 1...., i . .,.. -. ... t~':~.,_, ~.~u • ~.. -i: l.T. r r . ~ ~hn .~ ~>u ~ --. ~; ~~f-' _~~ ~ ~y, r ~: ~ rte. r ~ I~Y. - ,.-ter ~ '4-~ n }pa~~kKK~,~~~:d+l~`~ R ,7~4~"HP+GW {~.++ 1 1 L' + y r ~'t ~` ~.{T~le Y f 1 .5 l~~ LOCATED AT: 698 Centerville Road Newville, PA 17241-9501 CLIEl~tT: Richard Weber, Esquire 126 East King Street Shippensburg, PA 77257 AS OF: October 14, 2010 BY: Stan A. Skowronek PA Certified Residential Real Estate Appraiser S. W. BARRETT REAL ESTATE AND APPRAISAL SERVICES r-ue rvo. 1 11129/2010 Richard Weber, Esquire 126 East King Street Shippensburg, PA 17257 File Number: 10-0421 Dear Attorney Weber: In accordance with your request, I have appraised the real property at: 698 Centerville Road Newville, PA 17241-9501 The purpose of this appraisal is to develop an opinion of the defined value of the subject property, as improved. The property rights appraised are the fee simple interest in the site and improvements. In my opinion, the defined value of the property as of October 14, 2010 is: $193,000 One Hundred Ninety-Three Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, assignment conditions and appropriate certifications. Respectfully submitted Stan A. Skowronek PA Certified Residential Real Estate Appraiser Summary Residential Appraisal Report File NO. 10-0421 The purpose of this appraisal report is to provide the client with a credible opinion of the defined value of the subject property, given the intended use of the appraisal. Client Name/Intended User Richard Weber, Es uire E-mail N/A Client Address 126 East Kin Street C' Shi ensbur state PA Zi 17257 Additional Intended users The Intended User of this a raisal re ort is the Client. No additional intended Users are ermitted vt+itt~out the ermission of the a raisers . Intended use The Intended Use is to evaluate the roe that is the sub'ect of this a raisal to rovide the Client with an accurate and ode uatet su ooed o inion of value. Pro a Address 698 Centerville Road c' Newville state PA zi 17241-95Q~1 Owner of Public Record Mains, Gereth M. & Ma E. coup Cumberland Le al Descri lion Deed Book 277, a e 2605 " Assessor's Parcel # 46-10-0620-021 Tax near 09/10 R.E. Taxes 5 2 563.00 Nei hborhood Name West Pennsboro Townshi Ma Reference 10-0620 Census Tract 0128.00 Pro a Ri hts A raised X Fee Sim le Leasehold Other describe M research X did did not reveal an rior sales or transfers of the sub~ec[ roe for the three ears rior to the effective date of this a raisal. Prior Sale/Transfer: Date 11103/2006 Price $1 Sources Deed Analysis of prior sale or transfer history of the subject property (and comparable sales, 'rf applicable) NO rior transfers of the sub'ect within the ast 36 months, nor were there an rior transfers of the com ambles within 12 months of their sale date. Offerings, options and contracts as of the effective date of the appraisal N/A Neighborhood Characteristics One-Unit Housing Trends One-Unit Housing Present Land Use % Location Urban X Suburban Rural Pro a Values Increasin X Stable Declinin PRICE AGE One-Unit 60 Built-U Over 75ho X 25-75% Under 25% Demand/Su I Shorts e X In Balance Over Su I $ 000 rs 2-4 Unit 0 % Growth Ra id X Stable Slow Marketin Time Under 3 mths X 3-6 mths Over 6 mths 100 Low New Multi-Famil 0 Neighborhood Boundaries The sub'ect is bounded on the north b Enola Rd on the east b 250 Hi h .100 commercial 0 % Mt. Rock Rd on the south b Ritner H and on the west b Bullshead Rd. 140 Pred. 40 other Vac 40 °i° Neighborhood Description The sub'ect is located near the intersection of route 233 and route 11. It is in an Industrial zoned area with " residential and commercial use within its net hborhood. tt is within close roximi to ammenities such as schools, sho in and em to ment. Market Conditions (including support for the above conclusions) See Attached Addendum Dimensions 213.12x150.61x200x70x98.70* Area 2.21 Acres m/I Sha a Irre ular view O en count r 5 ecificZonin Classification I Zonin Descri lion Industrial Zonin Com liance Le al X Le al Nonconformin Grandfathered Use No Zonin Ille al describe Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? X Yes No If No, describe. See Attached Addendum _ Utilities Public Other (describe) Public Other (describe Off-sitelmprovements-Type Public Private Electrici X water X Shared** Street Macadam X Gas Sanita Sewer X Se tic Alle None site Comments Private water and sanity s stems are common to the area and have no adverse affect u on marketabili *295.46x271.68. **The sub'ect shares a well with ad"oinin roe 3301 Ritner Hi hwa , Newville, PA 17241 . The well is located on the 3301 Ritner Hi hwa roe .Public utilities extend aion Ritner Hi hwa but sub"ect roe is not connected. GENERAL DESCRIPTION FOUNDATION EXTERIOR DESCRIPTION materials INTERIOR materials Units X One Onew/Acc. unit Concrete Slab Crawl 5 ace Foundation Walls ConC Blk/Av Floors HW/C tNn/Av # of Stories 1 Full Basement X Partial Basement Exterior Walls BrICk/Av Walls D •all/Av T e X Det Att. S-Det./End Unit Basement Area 1196 s . ft. Roof Surface Com oSh le/Av Trim/Finish Wood/Av X Existin Pro osed Under Const. Basement Finish 95 % Gutters & Downs outs Aluminum/Av Bath Floor Vin I/Av Desi n S le 1 Sto Outside EnV /Exit Sum Pum Window T e Wood Frame/Av Bath Wainscot D II/Cer'i'/Av Year Built 1965 Storm Sash/Insulated Yes/Av Car Story a None Effective A e Yrs 25 Screens Yes/Av X Drivewa # of Cars 4 Attic None Hea[in X FWA HW Radiant Amenilies WoodStove s # Drivewa Surface Macadam X Dro Stair Stairs Other Fuel Pro one X Fire laces # 1 Fence X Gara e # of Cars 2 Floor Scuttle Coolin X Central Air Conditionin Patio/Deck X Porch Car ort # of Cars Finished Heated Individual Other Pool Other Att. Det. r Built-in A liances Refrigerator X Ran elOven Dishwasher Dis osal Microwave Washer/Dryer Other describe ~ Finished area above rode contains: 6 Rooms 3 Bedrooms 1.5 Baths 1,799 S uare Feet of Gross Livin Area Above Grade Additional Features Front orch. Story a shed. Comments on the Improvements Im rovements are in avers a condition with no h sical inade uacies noted. A functional ad"ustmectt is made on the Sales Com orison Grid to reflect the well bein located on the ad'oinin ro e ~~~~~ ProEucetl using ACI software. 800.234.8727 wtiwr.arnveb.c°m This loan Copynght 02°°5-2010 ACI Dmmon of ISO Gatms Semces. Inc., All Rigftts ReserveG. Page 1014 (gPAR°i) General Purpose Appraisal Rep°rt iJ2005 GPAR100n Oi 05132010 ADDENDUM ,4ooentlum Page 1 of 1 Summary Residential Appraisal Resort FiloNn ,n_nQ~~ FEATURE SUBJECT COMPARABLE SALE N0.1 COMPARABLE SALE N0.2 COMPARABLE SALE N0.3 698 Centerville Road ;address Newville, PA 17241 401 Mount Rock Road Newville 17241 649 Greenspring Road Newville, PA 17241 366 Bloserville Road Carlisle 17015 Proxim to subect 1.97 miles NE 4.50 miles WNW 5.32 miles N - Sale Price. 5 $ 186,300 5 172,000 ~ 196,000 Sale Price/Gross Liv. Area $ 0.00 s . ft. $ 127.95 s . n. $ 127.98 s . ft. $ 110.36 s . n DataSource(s Ins ection CPMLS 10185252 CPMLS 10193705 CPMLS 10183761 verification Sources Courthouse Courthouse Courthouse Courthouse VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION .(-)SAdjrmmem DESCRIPTION +(-)5gdjustmem DESCRIPTION +(-)SAdjuslmem Sale or Financing Concessions N/A $6,300 CL Csts DOM 34 None, Conv DOM 114 $14,567 Repair* FHA DOM 253 Date of Sale/Time NIA 12/28/2009 09115!2010 06/23/2010 - Location Suburban Suburban Suburban Suburban Leasehold/Fee Sim le Fee Sim le Fee Sim le Fee Sim le Fee Sim le site 2.21 Acres m/l 1.24 Acres m/l 4,850 1 Acre m/l 6,050 1.26 Acres m/l 6,250 view O en count O en count O en count O en count Desi n 5 le 1 Sto 1 Sto 1 Sto 1 Sto uali of Construction Avera a Avera a Avera a Avera e Actual A e 45 Years 52 Years 40 Years 37 Years ~_ condition Avera a Avera a Avera a Avera e Above Grade Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths Room Count 6 3 1.5 5 3 1 2,500 7 3 1.5 8 4 2 -2,500 Gross LMn Area 20.00 • 1 799 s . ft. 1 456 s . ft. 6,860 1 344 s . ft. 9,100 1,776 s . ft. Basement & Finished Rooms Below Grade Partial Bsmt Rec Room Full Bsmt Unfinished 2,000 Full Bsmt Game Room Full Bsmt Unfinished 2,000 Functional U61i Shared Well Avera a -3,000 Avera a -3,000 Avera a -3,000 - Heatin /Coolin FWA/CA EBB/CA ERad/None 4 000 EIRad/CA Ener Efficient Items T ical T ical T ical T ical tiara e/car on 2 Car tiara a 2CGar/2CCr t -3 000 1 Car tiara a 5,000 2 Car tiara e Porch/Patio/Deck Porch Porch/Patio -2,000 Patio/Fence Encl Porch -2 500 1 Fire lace 2 Fire laces -3,000 1 Fire lace 2 Fire laces -3,000 Shed Barn/Shed -5,000 Shed Shed NetAd~ustment Total X + g 210 X + - $ 21,150 + X - $ 2,750 Adjusted Sale Price of Com arables Ne[ Adj. 0.1 % Gross Ad. 17.3% $ 186 510 Net Adj. 12.3% Gross Ad. 15.8% $ 193 150 Net Adj. -1.4% Gross Ad. 9.8% S 193 250 summa of sales Com arison A roach Theo i nion of value ran a is $187,00 0 to $193,000. Sur lus acrea a ad'ustments are made at $5,000 er acre. No site ad'ustments since the com arables sold below list rice. NOTE * $13,800 of com arable #3's re airs contribution were to install a new sandmound se tics stem. A lack of suitable com arables within the sub'ect's immediate vicini re uired an ex anded search area. These are the best sales com arables known to be available. COST APPROACH TO VALUE site value comments A review of vacant land sales within the sub'ects market revealed residential use sales ran in from 2.12 to 2.9 acres at a rice er acre ran a of $26 000 to $32,000. Sub'ect acrea a 2.21 acres $30,000 = $66,300. O inion of value for the sub'ect site - $66,000. ESTIMATED REPRODUCTION OR REPLACEMENT C05T NEW OPINION OF SITE VALUE ........................................ _ $ 66,000 Source of cost data Dwellin S Ft @ $ _ ~ 0 uali ratio from cost service Effective date of cost data S . Ft. @ $ _ $ 0 ............ • Comments on Cost A roach ross livin area calculations, de reciation, etc. Cost A roach deemed a oor indicator of value. The Estimated Remainin Economic Life - 35 ears tiara a/Car on 0 S . Ft. @ $ ........... , _ $ p Total Estimate of Cost-New . _ $ 0 ........... Less Ph sical Functional External De recia6on = g 0 De reciated Cost of lm rovements ................................ _ $ 0 "As-is" Value of Site Im rovements ................................ _ $ INDICATED VALUE BY COST APPROACH ...................... _ $ N/A I NCOME APPROACH TO VALUE Estimated Month/ Market Rent 5 N/A X Gross Rent Multi tier N/A = ~ NIA Indicated Value b Income A roach Summary of Income Approach (including support for market rent and GRM) N/A Indicated Value by: Sales Com parison Approach s 193,000 Cost Approach (if developed) 5 N/A Income Approach (if develo ed) 5 N/A The Market Data Anal sis su orts m o inion of value for the sub'ect. The Cost A roach was not deemed an a ro riate indicator of value and therefore was not included herein. The Income A roach was also deemed ina ro riate for this anal sis. This appraisal is made X "as is," subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed, ^ subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed ^ subject to the following: The roe has been a raised in current condition as residential use. This is for the clients use onl . Based on the scope of work, assumptions, limiting conditions and appraiser's certification, my (our) opinion of the defined value of the real property that is the subject of this report is 5 193,000 as of 10/14/2010 ,which is the effective date of this appraisal. ^ _^~~~' Protluce° using AG sofivare. 900.234.9727 vrmv.ernveb.com T°is form Copyright ®20052030 ACi Division o1 150 Clrums Services. Inc, All Rights Reserved. E(~/^C`-A7 Page 2 of 4 (gPARTM) General Purpose Appraisal Report 121201)5 GPARI004 0505132010 S.W. Barrett Real Estate & Appraisal Services Scope of Work, Assumptions and Limiting Conditions File No. 10-0421 Scope of work is defined in the Uniform Standards of Professional Appraisal Practice as " the type and extent of research and analyses in an assignment" In short, scope of work is simply whatthe appraiser did and did not do during the course of the assignment It includes, but is not limited to: the extent to which the property is identified and inspected, the type and extent of data researched, the type and extent of analyses applied to arrive at opinions or conclusions. The scope of this appraisal and ensuing discussion in this report are specific to the needs of the client, other identified intended users and to the intended use of the report This report was prepared for the sole and exclusive use of the client and other identified intended users for the identified intended use and its use by any other parties is prohibited. The appraiser is not responsible for unauthorized use of the report. The appraiser's certification appearing in this appraisal report is suhjectto the following conditions and to such other specific conditions as are set forth by the appraiser in the report. All extraordinary assumptions and hypothetical conditions are stated in the report and might have affected the assignment results. 1. The appraiser assumes no responsibility for matters of a legal nature affecting the property appraised or title thereto, nor does the appraiser render any opinion as to the title, which is assumed to be good and marketable. The property is appraised as though under responsible ownership. 2. Any sketch in this report may show approximate dimensions and is included only to assist the reader in visualizing the property. The appraiser has made no survey of the property. 3. The appraiser is not required to give testimony or appear in court because of having made the appraisal with reference to the property in question, unless arrangements have been previously made thereto. 4. Neither all, nor any part of the content of this report, copy or other media thereof (including conclusions as to the property value, the identity of the appraiser, professional designations, or the firm with which the appraiser is connected), shall be used for any purposes by anyone but the client and other intended users as identified in this report, nor shall it be conveyed by anyone to the public through advertising, public relations, news, sales, or other media, without the written consent of the appraiser. 5. The appraiser will not disclose the contents of this appraisal report unless required by applicable law or as specified in the Uniform Standards of Professional Appraisal Practice. 6. Information, estimates, and opinions furnished to the appraiser, and contained in the report, were obtained from sources considered reliable and believed to be true and correct. However, no responsibility for accuracy of such items furnished to the appraiser is assumed by the appraiser. 7. The appraiser assumes that there are no hidden or unapparent condroons of the property, subsoil, or structures, which would render it more or less valuable. The appraiser assumes no responsibility for such conditions, or for engineering or testing, which might be required to discover such factors. This appraisal is not an environmental assessment of the property and should not be considered as such. 8. The appraiser specializes in the valuation of real property and is not a home inspector, building contractor, structural engineer, or similar expert, unless otherwise noted. The appraiser did not conduct the intensive type of field observations of the kind intended to seek and discover property defects. The viewing of the property and any improvements is for purposes of developing an opinion of the defined value of the property, given the intended use of this assignment. Statements regarding condition are based on surface observations only. The appraiser claims no special expertise regarding issues including, but not limited to: foundation settlement, basement moisture problems, wood destroying (or other) insects, pest infestation, radon gas, lead based paint, mold or environmental issues. Unless otherwise indicated, mechanical systems were not activated or tested. This appraisal report should not be used w disclose the condition of the property as it relates to the presence/absence of defects. The client is invited and encouraged to employ qualified experts to inspect and address areas of concern. If negative conditions are discovered, the opinion of value may be affected. Unless otherwise noted, the appraiser assumes the components that constitute the subject property improvement(s) are fundamentally sound and in working order. Any viewing of the property by the appraiser was limited to readily observable areas. Unless otherwise noted, attics and crawl space areas were not accessed. The appraiser did not move furniture, floor coverings or other items that may restrict the viewing of the property. 9. Appraisals involving hypothetical conditions related to completion of new construction, repairs or alteration are based on the assumption that such completion, alteration or repairs will be competently performed. 10. Unless the intended use of this appraisal specifically includes issues of property insurance coverage, this appraisal should not be used for such purposes. Reproduction or Replacement cost figures used in the cost approach are for valuation purposes only, given the intended use of the assignment. The Definition of Value used in this assignment is unlikely to be consistent with the definition of Insurable Value for property insurance coverage/use. 11. The ACI General Purpose Appraisal Report (GPAR~"") is not intended for use in transactions that require a Fannie Mae 10041Freddie Mac 70 form, also known as the Uniform Residential Appraisal Report (URAR). Additional Comments Related To Scope Of Work, Assumptions and Limiting Conditions None _ ~u,,,, Proaucetl u9ng ACI software. 800.230.8727 www.flawedwm TNs lorm Copynght G 2005-2010 ACI Division or I50 Gatms Serwces, Inc., All Rights Reserved. 1 Page 1 of 2 (gPARn) General Purpose Appraisal Report 1212005 GPARLIN OS OS11200fi File No. 10-0421 Appraiser's Certification The appraiser(s) certifies that, to the best of the appraiser's knowledge and belief: 1. The statements of fact contained in this report are true and correct. 2. The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions and are the appraiser's personal, impartial. and unbiased professional analyses, opinions, and conclusions. 3. Unless otherwise stated, the appraiser has no present or prospective interest in the property that is the subject of this report and has no personal interest with respect to the parties involved. 4. The appraiser has no bias with respect to the property that is the subject of this report or to the panes involved with this assignment. 5. The appraiser's engagement in this assignment was not contingent upon developing or reporting predetermined results. 6. The appraiser's 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 [he client, the amount of the value opinion, [he attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. 7. The appraiser's analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice. 8. Unless otherwise noted, the appraiser has made a personal inspection of the properly that is the subject of this report. 9. Unless noted below, no one provided significant real property appraisal assistance to the appraiser signing this certification. Significant real property appraisal assistance provided by: Additional Certifications: None Definition of Value: XO Market Value ~ Other Value: Source of Definition: USPAP The most probable price in terms of money which a property should bring in competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. ADDRESS OF THE PROPERTY APPRAISED: 698 Centerville Road Newville, PA 17241-9501 EFFECTIVE DATE OF THE APPRAISAL: 10/14/2010 APPRAISED VALUE OF THE SUBJECT PROPERTY $ 193,000 APPRAISER SUPERVISORY APPRAISER 1 Signature: ..1 ~~ ,~~cZ1~ Signature: ~ ~~ ~ ''~ ~ / Name: Stan A. Skowronek Name: Steven W. Barrett, SRPA, SRA, ASA State Certification # RL001572L State Certification # GA000298L or License # _ or License # RB026921 A or Other (describe): State #: Stale: PA State: PA Expiration Date of Certification or License: June 30, 2011 Expiration Date of Certification or license: June 30, 2011 Date of Signature: 11/29/2010 Date of Signature and Report 11/29/2010 Date of Property viewing: as of 10/14/2010 (viewed 11122/2010) Date of Property viewing: as of 1 011 412 0 1 0 (viewed 17/22/2010) Degree of property viewing: Degree of property viewing: Olnterior and Exterior ~ Exterior Only ~ Did not personally view Interior and Exterior ~ Exterior Only ~ Did not personally view ar~ Protluretl using ACI soriware 800.234.8127 wvm~ auweh wm This form Copyright 02005-2010 ACI Division of ISO Clafms Services, In[ All Rioha ReserveC Page 2 of 2 (gPAR"") General Purpose Appraisal Report 1212005 ~ GPARLIA7_OS 00112008 =' -~~~~ -- ~< ~ S. W. Barrett Real Estate 8~ Appraisal Services FLOORPLAN Client: Richard Weber, Esquire File NO ~ 10 0421 Property Address. 698 Centerville Road Case No Clt . Newville State: PA Zi :17241-9501 SUBJECT PROPERTY PHOTO ADDENDUM Client: Richard Weber, Esquire File No ' 10-0421 Property AddreSS: 698 Centerville Road Case No Ci : Newville State: PA Zi :17241-9501 .~ •~ i.<< t°.~ ,~ Ir ~„ ~ .~ s r~~ ~ Ire r ,~ ii ti ~ f ~' '~ r r r ,P ~. r ~ ~ `~1y. 1 ? .> C j 'G 17 ,~t ~ 1,. F , ~ ~ - .wul~~( OF '' .Zj ', c ~ . ~ n~~~ ' ~ ~~ y t ~>y ~ ri j r ~ ~- s x ~_. ''• ~~~w i~~w iVV,~~~:~4 yX 3+~ - f `~ < ° Y'~~ r f~ ~ - F '-, s~..' t 3~\ rti Sri n 4.. k~ ~~ ~~ ' ~ y~' ~"3,'\~c~;~ 6j~.r~~~ ~N y4 ~' _" j ' ,r.V i ~ I~r r y ~{ t~ u ,(.. 4 4• r~i tfk~~ J~ ~H..~~ _ J~ - -i.• y . ~ r t - y! ,{ -~ t j 11~~ ~,~ .N ~y~/!rn- -aura., t-- = L ~! _ r~ i 3 r ~~lj ~h ~F~1`~i~y ~~ ~1,~~~, rn ~ 1, ;) ,~ iM.,n(J~~y~1".:4fti~"" 'S'` as :- i'rcr y+. .., T !. ~ ~>. _ k•`-4' Via",' ~.~~ ~f~-~+'Z"t^ ..+ ,s c .r~ - ~ •-a~ l _ fY~~s~ ~ ~,~y ~tx~' ~'t .tea +^'i' ,f. -. >J.ry~ ~,c _ z ~'~ t ~ -~ -:+ ~ ;r -:r'~i't`.~".:..:~'t~-,L"~~F~,~1'tfC~ _-.~~ 'G r.k'2::~~'..~. ~~~' i *'. r.~~ r,~r...~, ,ct..i"'-.a..r - __ _. . s r~ .--, ~ ,~ • F ~ ~ q a i~i.ljr ~ ~ ~.,, _ f _ _ .y- y -mot ! \ '. ~ ~:~ ~ .. ~ ~I ,{~ 1 t -t ..~,.. x8 , ~ ~'' `' w ;M_~ ~ e ~ - _ .~ ~. ~,~ri ~ 'T s r, lti .I ~ x, FRONT VIEW OF SUBJECT PROPERTY Appraised Date: October 14, 2010 Appraised Value: $193,000 REAR VIEW OF SUBJECT PROPERTY STREET SCENE Client: Richard Weber, Es uire File No.: 10-0421 Property Address: 698 Centerville Road Case No Ci Newville State PA _ ZIp:17241-9501 Shed Storage Shed Prooucetl usng AG sOM+are, 800.234.8721 w~w~.aoweb.com PHT310162010 COMPARABLE PROPERTY PHOTO ADDENDUM Client: Richard Weber, Esquire File NO • 10-0421 Property Address: 698 Centerville Road Case NO ' Cit : Newville State: PA Zi :17241-9501 ~- ~ ~.. ~, ~~, ,~ s 4 is Yom, F,: -.Y _ ~ I ,. . ~~ ' -.:~~ti, ~ti ~•-~. :1 s_. r. i, r l~ ' '~ ~' t ~ - - ~~~~ rte` • ~ ~ -: ._..: -~ - ~_ ~ ~ ' ~._..~ -- - ~_ a - L F ~t 4 - . .. ...........- ~_. . I .::e ~ - - -- _. _ - _~~. I '°~ _ - 4 _ s _i . - _ -~ f ~ Z `zY •~ I ~..~ ~ _ j`C ,1. - ~~ i L ''"' jib;, tRa :. r ~' y }I i.Y, j '#S~i COMPARABLE SALE #1 401 Mount Rock Road Nevwille 17241 Sale Date: 12/28/2009 Sale Price: $ 186,300 COMPARABLE SALE #2 649 Greenspring Road Newville, PA 17241 Sale Date: 0 911 512 01 0 Sale Price: $ 172,000 COMPARABLE SALE #3 366 Bloserville Road Carlisle 17015 Sale Date: 06/23/2010 Sale Price: $ 196,000 LOCATION MAP Client: Richard Weber Esquire File No - 10 0421 Property Address. 698 Centerville Road Case No Ci :Newville State: PA Zi :17241-9501 -- - --, b _ .r ~._ ,... ~ i ~- :~ Lr ~` ... - m ~ ~~ ~ ~m - - m ~~ ~ ~~~ ~nola Rd ~. `~ a~~~° Rey _ ._ - - _ . ~. _ .., 7~1cCrea y- '~',, ~Blos:erville ~~"Opd ti ~ ----- - - ' _.~ ~~ r.d I~ -- - _ _ -:. 3 ~ ~' - - ~ ~~p- CYause~d..- __ _ _ - 844 =__- - ~r s9 Shy ,`¢~ ~cK~ -_ - _. P ~d ~ ~,r°9r a ~o~, Comparable Sale 3 ? 366 eloserville Road Pniafa ---- ~a Carlisle, PA 17015-8984 - '~ - ti ¢.a °'~ (5.32 miles N} _... - _-- Gr ~- . 'p ~~ b ~ ~ f~ -. -- -_ - ~' ~~ _.. _ ,: - ~?° ~, -- --_ - m 4a -._...r-...~_ ~~, ~o, ~~t Gsr7~ a~ ~~ _ _„n,-~_i~ Tie _- ' - c~ - _--- ~~" ~ ~~~~~~~~~,a~~ "'~~ockRa ,,}~~ cross oads ,~ ~y -' -- Wyk' ~R _-___~ c,~ c> v ~__~=_ ~ -. _--.._ s~ ~ _ _. .. o~ 1 _ _, .. ~ _ _ Y __ i ~„r __ -_ - _- ~ ~ -_ ~/~a . 4 ~ - _ ~3~ 0 0 fl~~t~ ~~ ~~0. S0 1~ _._ - 2 :'. ~ ~. E41 __ ~. QYert - - _ _- Newville ~` - -= _ ~ Comparable-Sale 2 'A __ 33' Comparable Sale 1 a - 5ss __ :401 Mount Roc4: Road _. 649 Greenspring Road -_,_ ` - -_ - - Mt ~o Newville, PA 17241-957E Nevi+ville, PA 17241-9612 `_ ,= _ ~==_~_._, (1.97 miles IVE} (4.50 miles WNW) ~y Rd,..- ,:; ~~ tfo° ~~ ~- . ~' ~ ~f a a to . - n ~a ' _ - - ;_ ~' ~ .___ .. .. _. Q ~~ ---- -- Subject ~'~ 698 Centerville Road ~. 5~a ~~~~~ Newville, PA 17241-9501 ~.p~, rto~t~ ¢3 T ~2-Ul~ ~ ah Ra ,..~ ~ ~ ~ ' ~~ N V~~illisS3d_ __ ~t 9r ap.p~ [tom ~ Cr"~ a jai. Ry .:~ h, Sq +h~ . - ~I - `~` I ~~ Dickinson oStoughstown --~ i74 o to microsort coq Moos daphQ, anajarTeie seas , inc . _f<'1CCuIlOUgh ~'~ Client: Richard Weber, Esquire File No • 10 0421 Property Address: 698 Centerville Road Case No ' Clt : Newville State: PA Zi :17241-9501 FlciSd~~~p Lr?gtrnd in[aa~ man&s tveas i,1ul~sted ay ~fi-rear fooling A*e,~s a:rsi~e of 1Ers 1D~ a.a~ SDD-yea fi; ~~;a~s i :::._ :_ krcE:: ~cse:~o 6y io~ybsr nooding r------- --. ..:. __ '~'~:~: D'~aE;od fsy 10II=yb5r maodlhg rdlc vi+;«,ily ~k7;~].C': pCCU~v,:~;rQrG3. ~ ~~_^Fi'aakrr,~y ar~5. ti:~li vt+laa'p hard A"i~as b`a~i&i~!~rttllht~G B:t p-a3:~"-c fi~ab h;su,~rd. ~~~ ~a: rn>:~raYC~ on t^t'r p:r5~bht~tl ~IR~`1 Floc~ti [itif~rrri~tfan ~~ommurity: 42t5°o - IrJESY PENIJS~O~RC, TrJa'~r#VS( ~P C Pro~gi~y is not in ~ ~€~a~k spot;ial flow haza~ec arc•c. C~4ap Numk~er; 42C]d 1CrJZ151a Cv13w !~a#e: o:~l1a!~:]C~9 Panel: 0215E FGP~: 42rj41 Zort~: X r~~ialtl~rTi9tircar!',:arit:a Fluary H.9~87~ Cr.rtlfi:~zL-'iiti (TrHGj nu_* FOCI iYac.u ;c.s r~pres=nt&tlams os ~d~arrsstiss ;L a~sy psry eUncem_r~q the can:ert, bCCJrc_ r t~. i camplateness a`ths f!oad report, inaudir.g dny ~ti•aran:~; r_fi ms-:~~amfl_~ili-~ ~~r fitfi~°°s far ra ~i;irL:.al3r par~iUS:N. Pde'slF~Br TFH~ ttcr nGl o::~F [ter. siellccr :,f .I,~: flwd report shall have &ny Iia~IIL•y to ar{;h~~ pa-2t~ fcr snt~ usE or rnisus~ c? [his fl~ ad reps I File No. 1 '~ QUALIFICATIONS *'*''****** The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the inspection of the subject property, the comparables sales, and their neighborhoods and locations. Unless otherwise noted, the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home inspection service. This is an appraisal to estimate market value. 1. The subject is located in a rural area and is less than 25% built-up. 2. Commercial/Industrial uses are located within the subject's neighborhood. These uses are typical of similar neighborhoods. _x_3. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for the area. _x_4. The predominant value in the neighborhood is less than that of the market value of the subject property. This is due to the very wide range of value of properties in the area and superior quality of the subject property. 5. The subject property is located in a F.E.M.A. Identified Flood Zone. Flood insurance coverage is required and suggested. 6. Dampness is noted in the basement of the subject. Standing or running water was not present on basement floor. This condition is considered typical in dwellings of this style. _x_7. The subject property is serviced by private well and/or septic systems which is common for the area. _x_8. The subject is older than five(5) years. All mechanical systems including the heating, electrical and plumbing systems appear upon a visual exterior inspection to be in working order. No warranties are implied in this statement. 9. 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 items listed are cosmetic in nature. _10. The basement floor is a dirt floor. This condition is common and typical for the area. and does not pose a health or safety hazard. _11. The subject property does contain functional obsolescence as noted in the report. This condition is considered typical and common for the area and this style dwelling. _x_12. 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. _13. 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. _14. Individual adjustments were required that exceed 15%. These adjustments were required due to lack of more similar comparables on that individual rating. All comparables used are the best available. _15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the subject's market area. All comparables used are the best available. _16. One or more comparable sales are older than six(6) months. Although there are comparable properties in the subject's area, none have sold recently; therefore, sales in excess of six(6) months have to be used. All comparables used are the best available. _x_17. One or more comparables used were in excess of one (1) mile from the subject property. Although there are comparable properties 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 comparables used are the best available. _18. The electrical system was not connected during inspection. _19. The water service was not connected during inspection. _20. The heating system was shut down during inspection. _21. Roofing Plumbing Electrical Heating certification(s) is/are suggested. _22. Inground swimming pool ,out buildings are included guidelines. ,not included according to lender's _23. According to lender's guidelines a maximum of acres were considered for this valuation. Remaining acreage was given no value. rue No. ~ u-u~[~ ~'~* QUALIFICATIONS *~*'"***** Confidentiality and Security Policy We consider privacy to be fundamental to our relationship with clients. We are committed to maintaining the confidentiality, integrity and security of clients' personal information. Internal policies have been developed to protect this confidentiality, while allowing client needs to be served. We restrict access to personal information to authorized individuals who need to know this information to comply with federal standards to protect your nonpublic personal information. We do not disclose this information about you or any former consumers or customers to anyone, except as permitted by law. The law permits us to share this information with our affiliates. The law also permits us to share this information with companies that perform marketing. When we share nonpublic information referred to above, the information is made available for limited purposes and under controlled circumstances. We require third parties to comply with our standards for security and confientialitj+. We do not permit use of consumer/customer information for any other purpose nor do we permit third parties to rent, sell, trade or otherwise release or disclose information to any other party. Education As of the date of this report, land/or Steven W. Barrett, SRPA, SRA, ASA have completed the requirements under the continuing education program of the Appraisal Institute and the American Society of Appraisers. --_•-.,_.... x...., o~.a~n,1~,1Gw-I;QIJ~L1.,IfJ1/1T1.I7 ~~01 F®r~# F~.5Q~ ~~~er~re ~~~ ~~t~rt beef ~~ BL~'E BC~~1~~ ~'~~'/~3E ~~RTI" 1~~L~E • ~~ ~alrtc~~~~ol~ `~ =~ L _ E~ecellent ,, ~~,. }y r l l i. -~ { ~`' Good (Selected) Fair ~a~~~le $12,630 $3.x.,105 $10,255 ~ehicte #iighiights .. 'Mileage: 75 000 Engine: V8, 5.4 Liter Transmission: Automatic Drivetra i n: 4 W D Seiectecf Equipment Standard ~`T Air randitianin Power Doar Loci<s CD (Single Disc} g Pawer Steering Tilt Wheel Dual Air Sags Pavfer Windows Cruise Control . ABS (4-Wheel) ~ AMf~ M Stereo Ailoy Wheels Optional Dual Power Seats Running Boards Towing Pkg Advertisement __ _ _ __ _ VV J j Vl u L 1/V 4.lMVVI `iiV ~! \/~1V 1 111 {.1.4V 1 Kl ~.J 1 11 Vail ~. 1\V VVL L 1~V1... 11{. ~.U./ / •• •• •Y .1iVV.VVIIL li JlJ6.1- V(.Ll J/ lAll lIl l .I. J~J JLLI.JV1 V1 <r YY -~/(,~,LJ/ (,,.~fu J / ~ /_~.~. V ~ Blue 6e©Ic Private Party Value Kelley Blue Book Private Party Value is the amount a buyer can expect to pay when buying a used car from a private party. The Private Party Value assumes the vehicle is sold "As Is" and carries no warranty (other than any remaining factory warranty). The final sale price may vary depending on the vehicle`s actual condition and local market conditions. This value may also be used to derive Fair Market Value for insurance and vehicle donation purposes. l~ehicile C©na~itE~€t 1~atin~s Excellent _ __ _ . - _' ;_ $11,630 ~. Looks new, is in excellent mechanical condition and needs no reconditioning. Never had any paint or body work and is free of rust. f Clean title history and will pass a smog and safety inspection. Engine compartment is clean, with no fluid leaks and is free of any wear or visible defects. ~ Complete and verifiable service records. Less than 5% of all used vehicles fall into this category. ~'~ Good (Selected) ;:. `.~ _ ~' $11, x.05 • Free of any major defects. • Clean title history, the paints, body, and interior have only minor (if any) blemishes, and there are no major mechanical problems. • Little or no rust on this vehicle. • Tires match and have substantial tread wear left. • A "good" vehicle will need some reconditioning to be sold at retail. Most consumer owned vehicles fall into this category. Fair .~. __ u. $10,255 Some mechanical or cosmetic defects and needs servicing but is still in reasonable running condition. ~ Clean title history, the paint, body and/or interior need work performed by a professional. ~ Tires may need to be replaced. There may be some repairable rust damage. Poor IV /A e Severe mechanical and/or cosmetic defects and is in poor running condition. • May have problems that cannot be readily fixed such as a damaged frame or a rusted-through body. Branded title (salvage, flood, etc.) or unsubstantiated mileage. Kelley Blue Book does not attempt to report a value on a "poor" vehicle because the value of these vehicles varies greatly. A vehicle in poor condition may require an independent appraisal to determine its value. * Pennsylvania 10/28/2010 .f '~ NASA Cull; 5 The Power of Vehicle Information .cow Autos Classic Cars Motorcycles Boats Recreation Vehicles Manufactured Homes Bu a Pri Y ce Guide Insurance Quote ~ Join Good Sam Club ~ Buy an RV ~ Sell an RV Used RV Pricing Get a Quote ADVERT Cat.` > Make ~ Year > Model & Trim > O tions > Value Report 2004 JAYCD JAY FLIGHT SERIES M-27 BH December 03, 201(1 Travel Trailers $ Fifth Wheels Model: M-27 BH Self-Contained: YES Length~dth: 29' x 8' Slides: NIA Axles: 2 Weight: 4925 print this page ~ email this Pape Insure your vehicle pR~C~IdG Free Online Insurance Quote Base Price Low Retail Averaae Retail Know your Credit History Free Online Credit Score OP~iORS $4,370 $5,260 APPLIANCES G as Grill Cook Top Microwave Oven $.500 $605 ENTERTAINMENT $105 $130 TV 13" Color JACKS AND LEVELING SYSTEMS $105 $130 Scissor Stabilizer Jacks MISCELLANEOUS OPTIONAL EQUIPMENT $105 $130 Electric Step (Single) Skylight $95 $115 TOTAL PRICE $105 $130 $5,385 $6,500 Suggested List: $16,728 ~' LVIl'f Jr11 L.IJ 1~1-L+/ L11 f./11VVJ~ Jhl\+vJ C411Li Vt./{.1 V11J tt~ 1 \L 1Lt lb LL1UV... a11~1.I./.I/ •~ •• I~.Al(.~UluG 4luvJ.VVlall v.Vt~..aul ~.lA.T F,.if.. ,tJl.~1 ir/ /v /V/ A ~l V VV NADA GU r~~ ~ The Power of Vehicle Information .cam /Autos Classic Cars Motorcycles Boats Recreation Vehicles Manufactured Homes Buy a Price Guide Insurance Quote ~ Join Good Sam Club ~ Buy an RV ~ Sell an RV Used RV Pricing Get a Quote ADVERT ~~~ "~ ~~ .~ Get both for only 512.95 v~Etl~ ~E~-~€td~ ~ } ~` ~~; Category > Make 8~ Year > Model & Trim > O tions > Value Report 2004 JAYCO JAY FLIGHT SERIES M-27 BH ~.~;1~ December 03, 2010 Travel Trailers ~ Fifth Wheels Model: M-27 BH LengthWdth: 29' x 8' Axles: 2 Weight: 4925 Self-Contained: YES Slides: N/A print this Pape ~ email this paaE~ Insure your Vehicle PRiC~P1IG Free Online Insurance Quote ,~Rg~R~~..><t~f'E base Price Know your Credit History Free Online Credit Score TOTAL PRICE - ,:..~. Suggested List: $16,728 Low Retai! Average Retail $4,370 $5,260 $4,370 $5,260 .f 1 ~n/~i~n in.~c wi- 2007 Chevrolet Impala LS Sedan 4D Trade In Values, Reviews -Kelley Blue Book Page 1 of 3 • J ~ =in-l Cdr 31i•aa,; pY ~5-tL1Y•,.> Kelley Btue ~~~k ~~ ' _`" ' - "CHE ~RUS7EQ RESOURCE ~ ~Y~~ ~ ~'l)~ t home ~ car values ~ cars for sale ~ car reviews ~ top stories [ research tools _,~,~~ ` .. >:m c=,z~Ya .r-7~.. 7oi~ r~,ev Popular at KBB.com ennln s Chevr©let `'~'~ „~ `~~~e Clint for Price £lazlz nor P 10 Coolest Cars Under ~ VIEW SPEGtAt LEASE i~FFER > _ . _ _... ..... _ ...... _........ _.. Lease the ~C11~ Craze ~ . i $ls.ooo advertisement why ads? Home > Car values > Chevrolet > Impala > 2007 > Style > Options > tS Sedan 4D 2007 Chevrolet - Impala qo 2007 Chevrolet Impala LS Sedan 4D Mileage: 44,762 change edit options change style tike 1 Select Your Car 2 Tell Us Style /Options 3 See Blue Book Value L~ price your next car values ;specs ' new car finder used cars for sale ' Trade- I t'i~Sell ~e'~lueS See Used Car Prices Trade-In Private Party Excellent Good Fair $~2,~~® $~s,~$a $~.0,2~a Change condition Get a CARFAX Record Check Enter VIN (optional) go .lC No VIN? No Problem! KBB Expert Suggestions -.- ri ,. ~~~ r^f.. 2012 Chevrolet Impala 2011 Ford Taurus Get your New Car Price price your next car view view Used Cars for Sale near Shippensburg ~,.,..,,..,r lei Li. ~ ~,.;<~~'<f r J i ~ ,r^':.~.5 <. ~ ~er~nings Chevrolet Leese the ~CI1~ Cr~uxe ' yV1EVkt SRECitisw LEASE tiFFER ~ ZOtt C}aevy ~~,~ ZG1} Chev~t Cruz ::.:~= Craze £lictz far Price - £}iclc for Prim advertisement why ads? Seller's Resources How much can I afford? Use our month) ~ y payment calculator What if my credit's not perfect? Apply with a specialist now ~ I want to list my car for sale Get your free Seller's Toolkit ~ Top 10s ~ News • 10 Coolest Cars under $18,000 - 2617. 2007 Chevrolet Impala • Top 10 Green Cars 2011: #10 • Top 10 Family Cars of 2011 Share Print My Recently Viewed My Saved Cars save My KBB ZIP Ccde: 17257 Sign In http://www.kbb.com/chevroletJimpala/2007-chevrolet-impala/ls-sedan-4d/?vehicleid=83 5 3 ... 7/13/2011 Deborah Barrick 2001 Ford F 150 2004 Jayco Jay Trailer $1.1,000.00 2007 Chevy Impala $7,000.00 Honda Generator $9600.00 Air compressor $300.00 Grandfather Clock ~ $85.00 Green Lift Chair $75.00 Blue Swivel Chair $50.00 Tan Recliner $25.00 3 Deep Sea Fishing Rods $75.00 Freezer $60.00 Sweeper $50.00 Safe $25.00 Toro Lawn Mower $75.00 Fishing Gear $2800.00 Meat Grinder $30.00 Coleman Frig $100.00 Coleman cooler $30.00 Ice cream maker $10.00 Jug cooler $10.00 Shovel. $5.00 Sn o «s ,~/~ ~,~;, ~ / $5.00 n / ,/~ ' ~ .S7~D .d ~ i~~~ '~J ~~`, ~i, ~}rv. c~c~ ~~~ Gift from Dad Wash tub refinished ~- ~~~~ // $ 5.00 /~,k~ ~ / ~/~~% N t~ cD ~_ W n Qo TI D z ~ "'{ ~o~o cG ~ O G d "O R° ~ ~ ~ n n ~ Q1 N N h'~ ~ 3 7 N a O ~ ~ tD (D rt, O a n ~ w •T~ fA fn -y C ~ ~ Q O `./ a~g D~ ~r ~ -oN~ ~ S n"D ~ ~ ~~ ~o w ~ N < -~ ~ W W ~ N ~i Q V ~ ~•a3 N N N ~ ~ O Q ~. a-~ . N ~ cn ° 3 wm ~- n o ?r ~ ~ z~ -~ 'n~ m . - n. w w Ewa m ~ ~ ~.~ s o w N ~ ~ 3 w' w m m = w o w ff3 N ~ ~~o ~ 0 m _ ~' r N o -n co U)~ N ~ ~~ DDS O ~~ m ~~_ a= C~ ? .» ~ O N wn. S O m N =N a ~os ~ N ~C ND~' tea= ~ N Q N O . ~~ N om~ m<s W~~ W N N O -~lD ~ 7 Cn _ ~-m w ~ ~ ~m ~ p- ~ ~~~ rna~ A m' ~ ? N lD "T1 O (~ S m C~ ~~ N -n a ~~< J O ~.. cn Rom ~ O m 3c ~ ~- `C N 0 rrt 0 h~ ~_ lD t w N 0 c c C a N` i -n -~ ~ o 0 c O m ~ O ISM ~f ~..~ O ~_ C ~~ 0 i N.J C C .ffe ~! ~' .~+ ~~ Z~ .i 0 C ~' jU m n c ~ ~ N N ro -a 0 m n. O ~..-? O N_ CJ7 (D o c °o c a c~ 3 rs j N 0 j 0 w O ~ N O ~ O ~ N 0 -, .-i~ O ~ ~ ~ ~ war ~ m C ~ ~ ~ "~ A? C fl n ~ ~ <t3 ~ C_ ' O c i1~ a 0o ~ ~ Zo ~ - mom D o x~ o =; ~ 1 ~~ ~_X 1. J ~. r z = N U1 C~37 ~. ~ mT~ j~ ~~ _~1 ~ o - v < v J '~ {D to DrZ N ~ ~ ~ o __ ~ m cn cn z, ~'~' O u-~° ~ con ~' ~ cn m -- ° C~ ~~ ~~- zrC~u~~oc7 o ~ o c A' ~ O -° ~ m<~ ~ ~ ~m=o~ ~ mom N m .. ~mw= N `~ ~° < ~ O n ~ ~ D - -+ m :~ o~ cfl J m ~ pi c w w w ~ y UD 'fl ~ m ~ ~ m ~ i ~ ~ g ~~ _ ~ w Q w O = ~ ~ ~ rt ~ v .. :~ O 1 ~i~ ~ -rt 0 ~z a- D cv ~ ~ ~, D SAVINGS ACCOUNT: Account Number/Suffix Date Account Established Principal Balance at Date of Death Accrued Interest to Date of Death Total Principal and Accrued Interest Name of Joint Owner St MEMBERS 1ST FEDERAL CREDIT [JNION 49615-00 03/15/1986 $10,831.78 $1.50 $10,833.28 None *Joint owner, Mary E. Mains, removed 09/18/2010. Marys date of death was 06/26/2010. CHECKING ACCOUNT: Account Number/Suffix 49615-11 Date Account Established 03/15/1986 Principal Balance at Date of Death $2,912.03 Accrued Interest to Date of Death $.00 Total Principal and Accrued Interest $2,912.03 Name of Joint Owner None "Joint owner, Mary E. Mains, removed 09/18/2010. CERTIFICATES OF DEPOSIT: Account Number/Suffix 49615-40* 49615-41** 49615-43*** Date Account Established 01/20/2010 05/04/2010 08/03/2010 Principal Balance at Date of Death $70,000.00 $20,135.91 $50,000.00 Accrued Interest to Date of Death $33.41 $10.69 $23.86 Total Principal and Accrued Interest $70,033.41 $20,146.60 $50,023.86 Name of Joint Owner None None None "Joint owner, Mary E. Mains, removed 09/18/2010 on certificates 40 and 41. `Rollover from certificate 49615-60, originally established 06/18/2009. **Rollover from certificate 49615-61, originally established 10/02/2009. `**Purchased by transfer of funds from 49615-00. CERTIFICATES OF DEPOSIT: Account Number/Suffix 49615-44* 49615-45** 49615-62*** Date Account Established 08/03/2010 09/09/2010 12/03/2009 Principal Balance at Date of Death $100,000.00 $37,815.79 $25,278.56 Accrued Interest to Date of Death $47.73 $11.45 $12.06 Total Principal and Accrued Interest $100,047.73 $37,827.24 $25,290.62 Name of Joint Owner None None None "Purchased by transfer of funds from 49615-00. **Purchased by transfer of funds from 49615-00. ***Purchased by transfer of funds from 49615-00. ***Joint owner, Mary E. Mains, removed 09/18/2010 on certificate 62. VISA ACCOUNT: Account Number/Suffix 4672090000137430 Date Account Established 11/24/1986 Principal Balance at Date of Death $.00 Name of Joint Cardholder None M MB. S 1sT FED~Ef~RA CRED T NIOtN~ Danielle A. Kline Lending Insurance Support Specialist November 8, 2010 Estate of: GERETH M. MAINS Date of Death: 10/14/2010 Social Security Number: 180-30-4048 5000 Louise Drive P.O. Box 40 Mechanicsburg, Pennsylvania 17055 (800) 283-2328 vv~vv~:memberslst.org St MEMBERS 1St FEDERAL CREDIT UNION Members 1st Investment Services Located at Members 1st FCU 1166 Walnut Bottom Road Carlisle, PA 17015 717-249-0795 717-249-2754 fax Weigle & Associates, P.C. 26 East King Street Shippensburg, PA 17257-1397 November 16, 2010 Dear Mr. Webber, Craig 1~. Nissley Lzvest~nei2t Co~~sultarr.t f ~~'~ 1 8 2010 In response to your request regarding Gereth Mains annuity with Pacif ~c Life: 1. Type -Variable Annuity 2. Number - VR08015242 3. Opened - 3/11/2008 4. Individual account 5. Value on 10/14/2010 - $167,123.54 6. Beneficiary -Estate Please let me know if you require any additional information. Thnnk yo Craig isle Investment Consultant Registered Representative of, securities and certain insurance products are offered through INVEST Financial Corporation (INVEST), member FINRA, SIPC and affiliated insurance agencies. INVEST is not affiliated with Members 1st Investment Services. Products and services offered through INVEST are: • Not NCUA Insured • Not a deposit of or guaranteed by any credit union • May lose value ~ 1~~~nz~~r'~ ~~.t ~n~T~~~~~z~~~ ~~~°~Ti.c~~ Crag ~~. IVrssley Located at Members 1st FCU Irlvestr~~erif Cor~sultar~.t 1166 Walnut Bottom Road Carlisle, PA 17015 0 717-249-0795 ~~~~/~~~~~ ~st 717-249-2754 fay f~~ ~., ~ ~. FEDERAL CREDIT UNION ~ ;~ W i Vtfeigle ~ associates, P.C. 26 East ding Street Shippensburg, PA 17257-1397 November 16, 2010 Dear Mr. Webber, In response to your request regarding Gereth Mains annuilry with Pacific Life: 1. Type -Variable Annuity 2. Number - VR08015242 3. Opened - 3/11/2008 4. Individual account 5. Value on 10/14/2010 - $167,123.54 6. Beneficiary -Estate Please let me know if you require any additional information. Thank yo ~- ~ Craig A. ~`'issley Investment Consultant Registered Representative of, securities and certain insurance products are offered through INFEST Financial Corporation (IhrVEST), member FII~TRA, SIPC and affiliated insurance agencies. INVEST is not affiliated with Members 1st Investment Sen~ices. Products and services offered through INVEST are: • Not N~UA Insured • Not a deposit of or guaranteed by any credit union • 1VIay lose value ~~~n~I~-~~~ Z~.~ ~n~T~s~~~z~~.~ ~=~~°~T~c~~ Craig ~~.. ~issley Located at Members 1st FCU IrZVestrllCrZt Consultant 1166 ~lalnut Bottom Road Carlisle, PA 17015 . ® 717-249-0795 ~,~.~~~~~~ ~st 717-249-2754 faa (T rEDE:~LCRE~1i Ur~OIv ~~~:~ ~ ~~+~~ E~ V~~eiole ~ Associates, P.C. 26 East ling Street Shippensburg, PA 17257-1397 November 16, 2010 Dear Mr. Webber, In response to your request regarding Gereth Mains annuity with Pacific Life: 1. Type -Variable Annuity 2. Number VR08015242 . ~~ -~- ,..,. 3. Opened - 3/~'1/Z~008.~....... r.. w, .. - 4. Individual account 5. Value on 10/14/2010 - $167,123.54 6. Beneficiary -Estate Please let me know if you require any additional information. Thank yo Craig A. - issley Investment Consultant Registered Representative of, securities and certain insurance products are offered through INVEST Financial Corporation (II~rVEST), member FINRA, SIPC and affiliated insurance agencies. INVEST is not affiliated with Members 1st Investment Services. Products and services offered through INVEST are: • 1~.TOt NCUt~i );assured • I'dot a deposit of or guaranteed by any credit union • May lose value David Mains H & R 16" Gun Remmington 5 72 Gun Remmington Model 3 7 Gun 50" Muzzier Loader Gun 30-6 Gun Riffle Pistol Rueger 3 Crocks Large Crock Hunting Backpack Remmington Box p c-~.~ ~ti rv~~-.-~ Gift from Dad i~-1311 ~ o $180.00 $250.00 $375.00 $250.00 $369.00 $450.00 $ 30.00 $20.00 $20.00 $10.00 ~~s~"~~~ 16 Bolt Gun $125.00 Michele Jones Dough tray Furniture $40.00 Cast iron iron $10.00 ~~~ ~~~' r1lCL.~-~L`y~,l 3I2i ~~~ Nathan Barrick Tool Box $30.00 Gun Case $40.00 2 Nevwille Glasses $20.00 .~ ~~- ~~ ,, ~,~..- ,' I -~ ~ r ~- . ~d 1 ~ ~~~~~~ I ~-/ 3 ~ ~ ~ Cory Barrick Box of Dvds ~~l $30.00 Shon Lehman 2 Fly fishing poles ..~ -, ~~/ ~- $4.00 ~~.~ w,..-~,~ ~ ~1.~~ l ~ a Dennis Lehman Little Table and 2 chairs $15.00 2 chicken cookie Jars $5.00 ~~v~~'~7 ~~2:uT.m~~h~nm~ ~"a7 II Q~C iti~~ I~lai~r~ Denise Mansfield 4 piece Bedroom set Canister Ceramic Dog Phone Set Lantern $200.00 $25.00 $5.00 $20.00 $15.00 J~E'nce~ ~ 11ccr~~,ctcc~ 311YIfi ~ 31311/v Andrea Lehman Cabbage Patch Doll Cabbage Patch Doll 26" TV Orange Phone $20.00 $20.00 $10.00 $15.00 .d! ~~ ~~ . L} c~ /~ / ~f~~1~2~~ ~19~/Y!"~~ o-~...-tL' ~'~1-a--,,,~ 3~/~~l/ 1 ~13~1 ~ a Brenda Jumper 26" TV Gift From Dad Goose Neck Chair $35.00 ~~~ I~~ o~. '~~~- f~l~il iv $10.00 544 Mohawk Raad NewviI.Ie, PA 17241 narryl Jo~e~ Ne1111~ar~'n ~ewville, ~'A phi en5~u~~ , ~'A pp ~ s.~Tr~.~.~~N~ s~A ~~~Nr SALE irTAIVIE: ,~ ~~~- ~ ` YES -~--~ DATE OF SALE ~~ ~ : (~~ _ ~ ~~ . ~ ~ ADVERTISING EXPENSES: Lancaster Farmer The Guide ~ ~ `~ _ News Chronicle E` ~ ether ~ ~ `~ ~ ~.~.~, ~. ~ ~ Other ~ ~ ~' ~~1~~~ i ~ ~ ..~ Sale Flyers Copies ~~~~~ ~~ ~~ Type Settin Total Advertising Cost ~ ~ ~q ~ ~~ , Total # of Bidder Nu~.bers Total # Sale Sheets Cash Amount In Total $ of Checks Total # all Sale Sheets ~ + Advertising Cost ; ~ _ Auctioneer's % ~~~d ~ f ~ ~{ ~7, _ Misc. Charge ~ ~ ~ ~ , ~ _ Misc. Charge (e ~, ~ v ~ ~ `~~ S ~~ r~~d ~,- ~-~Z3 ~.~. Net Sale (after expenses) ,$ ?'hank you for the opportunity to work with you and your family ; Department of Treasury Internal Revenue Service AUR GORRESPONDENCE 5-E08-113 PHILADELPHFA, PA 19255-0521 052210.882822.0465.011 3 AB 0.518 2188 ~~ll`tll~l[l~~f ~.E~rlll~[tlll'~l'llllllt[~l,~jl~~t~~~,lrli~~l~(~. GERETH M 8 MARY E MAINS ~~ 698 CENTERVILLE RD NEWVILLE PA 17241-4501983 5aala AUR Control: 55023-1900 Notice: CP2000 Notice Date: June 20, 2011 Social Security Number: 180-30-4048 Form: 1040 Tax Year: 20 09 To cal! for assistance: 1-800-829-8310 TOLL FREE between 7:OiD AM - 8:00 PM To-FAX information: 877-477-960? LOCAL FAX Contact: Office of L Fulmer _ .._ . _ • .~ _ . _ _.. • .• ~ >: 1 ~ Why are you getting this notice? We received your response to our previous notice dated 03!2812011. We used the information you provided to refigure our original proposal. As a result, the proposed changes to your tax are listed below. • yi '~ ~ '~ ift~~ s'Y.a'F ~~., ~ -~ i ~ }'fie'„ +~:a' y~.'T _.~, 2009 Tax Increase ~ 4,711 Payment Increase ~ 0 Penalties -may not include all applicable penalties $ 0 Interest - if paid by July 20, 20ii $ 194 Proposed Balance Due ~ 306 2 What steps should yot~ take? Following these steps can help you understand this notice. t . Review the Explanation ~ectinn -- ppage 7 . _ 2. Check the answers to FreguentlyAsked Quesfions -- pa a 2. 3. Complete and return the Response Form in the enclosed envelope --page 3 . 4. Complete and return the InstallmentAgreement Repuest (enclosed} if you need to set up a payment plan. 5_ Review your nghts m The Examination Process Booklet (enclosed). ~ ~ What happens. if you don't respond by July 20, 2oii? We will send you a final notice, followed by a bill. During this time, interest will increase and certain penalties may apply. {SP3S} CP2000 tRev. 11/2004) v LLJ<,V 111 l+l IJ LCI II.lll 1..114 Account # Statement Date: Balance: Last Payment Date: Payment Amount:: Past Due Amounl:: Due Date: ~~~I~III~~~~~~ill~~l~I 502 3040178 11/02/2010 2388.72 10/18/2010 99.53 0.00 11 /23/2010 3 Credit Office Toll Free: (877)857-8892 Location Office (172)492-029 www. Westminste:rC;emetery.com for handling your account in a professional manner. ~~ ,~ ., ....:p families memorialize every life with dignity" Retain this portion for your records Detach and return this part with your payment Account Number Due Date Past Due Amount Payment Amount Amount Enclosed 502 3040178 11/23/2010 0.00 99.53 $ MELISA GUYTON Address below must show tlu-ough the window on the pa~Jment envelope Make your check payable to: Westminster Cemetery 1921 Ritner Highway Carlisle, PA 17013 • Make changes to address and phone number below or call our office Address City State Zip Phone