Loading...
HomeMy WebLinkAbout10-14-11Q PNC WEALTI--I MANAGEMENT PO Box 308 Camp Hill PA ]7001-0308 (717) 730-2265 Toll Free 1-800-762-0616 October 14, 2011 Register of Wills Cumberland County Courthouse One Court House Square Carlisle PA 17013 Re: Estate of: James R. Kunkle Date of death: January 24, 2011 File # 2010-00159 Dear Register of Wills: On behalf of the Corporate Executor of the above-referenced estate, enclosed you will find the original and one copy of the Pennsylvania Inheritance Tai: Return and Inventory. Please note there is no additional PA Inheritance Tax due on this Estal:e. Also enclosed is our trust funds check for the filing fees in the amount of $30.00. Please date/time stamp the enclosed copies of the various documents for our file. S ~ cerely, ~`0 -- ~. ~ ~ \ Linda J. Lundberg Vice President Estate Administrator Enclosures ~ _ _~..- ,_, . _ , l ~ ~"~ ~ -~ -c;~ _. L ~ t _... _.~ - , _ - ._ 1 y ~ -- - ~._ _ ~` -7 : - i - 5 t - -' _-. - L- . • ~-n d C~ "7-3 Member of The PNC Financial Services Group i,24? Carlisle Pike U1-U600-03-6 Camp Hill Pennsylvania 17011-4163 B PNCBANK ESTATE OF JAMES R KUNKLE DECEASED (DIED 1/24/11) LATE OF THE TOWNSHIP OF EAST PENN5BORO CUMBERLANpp COUNTY PA ~1~It - WILL NO-'~O2'fl-00159 INVENTORY COMMONWEALTH OF PENNSYLVANIA . SS COUNTY OF CUMBERLAND LINDA J LUNDBERG VICE PRESIDENT OF PNC BANK, NATIONAL ASSOCIATION, EXECUTOR OF THE ESTATE OF JAMES R KUNKLE DECEASED HAVING BEEN DULY AFFIRMED ACCORDING TO LAW DID DEPOSE AND SAY THAT THE ITEMS APPEARING IN THE FOLLOWING INVENTORY ARE PERSONAL ASSETS WHEREVER SITUATE AND REAL ESTATE IF ANY IN THE COMMONWEALTH OF PENNSYLVANIA OF SAID DECEDENT THAT THE VALUATION PLACED OPPOSITE EACH ITEM OF SAID INVENTORY REPRESENTS ITS FAIR VALUE AS OF TliE DATE OF THE DECEDENT'S DEATH AND THAT THE DEGEDENT OWNED NO REAL ESTATE OUTSIDE THE COMMONWEALTH OF PENNSYLVANIA EXCEPT THAT WHICH APPEARS IN A MEMORANDUM AT THE END OF TfIIS INVENTORY AFFIRMED AND SUBSCRIBED BEFORE ME ~ J/ THIS ~~ _DAY OF ~~""~' 20~, ~,~....,_ .. ,.. ~Gt---- _ ~,.,~ /~ ~TARIAI_ SEAL public Dr~i!SE C ~YAw Oberland Coun rvs?,~ Xti~., ,, ~~; ~.. <<, r~ryire~a C~ecember 17: 7_~1~/~„ ,_ ~ -....J _ ~~ ~ _~~^ =y~m _.. • - ~_~ .~ ~ __ -, -.~ w 1 ...__.. ..T.I _._~ ~ .. . -r~ t TRSNOI (10/071 PNCBANK 27-27-004-8887246 JAMES R KUNKLE REAL ESTATE 4 CHESTER ROAD 000.00 133 ENOLA PA , BONDS 30,000 PAR USA SAVINGS BONDS SERIES EE DATED 04/01/84 DUE 04/01/14 22 056.00 a 73.5200 , 60,000 PAR USA SAVINGS BONDS SERIES EE DATED 08/01/92 DUE 08/01/22 352.00 77 01 128.9200 , 30,000 PAR USA SAVINGS BONDS SERIES EE DATED 05/01/94 DUE 05/01/24 028.00 29 of 96.7600 , 30,000 PAR USA SAVINGS BONDS SERIES EE DATED 06/01/95 DUE 06/01/25 26 412.00 a 88.0400 , 30,000 PAR USA SAVINGS BONDS SERIES EE DATED 01/01/98 DUE 01/01/28 00 408 24 a 81.3600 . , 30,000 PAR USA SAVINGS BONDS SERIES EE DATED 01/01/94 DUE 01/01/29 160.00 23 of 77.2000 , 30,000 PAR USA SAVINGS BONDS SERIES EE DATED 05/01/01 DUE 05/01/31 484.00 20 of 68.2800 , 30,000 PAR USA SAVINGS BONDS SERIES EE DATED 03/01/02 DUE 03/01/32 908.00 19 of 66.3600 , 30,000 PAR USA SAVINGS BONDS SERIES EE DATED 03/01/04 DUE 03/01/34 00 588 18 of 61.9600 . , CERTIFICATES 28,500 PAR WACHOVIA BANK 00 500 28 CD #247402074027346 . , 14 8 INTEREST TO 1/24/11 . 25,202.34 PAR WACHOVIA BANK 34 202 25 CD #247402303016357 . , 22 8 INTEREST TO 1/24/11 . 8,356.22 PAR WACHOVIA BANK 22 356 8 CD #247412061121811 . , 9 49 INTEREST TO 1/24/11 . - 2 - TRSN01 (70!07) PNCBANK JAMES R KUNKLE CONTINUED: CERTIFICATES 28,500.41 PAR WACHOVIA BANK CD #247402043293619 INTEREST TO 1/24/11 MTSCFI I ANEOUS 1999 JEEP PERSONAL PROPERTY CASH PNC BANK, NATIONAL ASSOCIATION CHECKING ACCOUNT #5112030717 DATE OF DEATH BALANCE 4,i'92.53 INTEREST TO 1/24/11 0.02 UNITED STATES POSTAL SERVICE RETURN OF POSTAL MONEY ORDER COMMONWEALTH OF PENNSYLVANIA REIMBURSEMENT OF FEE CHARGED BY PENNSYLVANIA EMPLOYEES BENEFIT TRUST FUND FOR LATE ENROLLMEN"f IN MEDICARE PART B WACHOVIA BANK CHECKING ACCOUNT #1010220778839 DATE OF DEATH BALANCE 6,170.05 INTEREST TO 1/24/11 0.15 THE PATRIOT NEWS REFUND DUE TO CANCELLATION OF SUBSCRIPTION CASH FOUND IN DECEDENT'S HOME METLIFE REFUND OF PREMIUM DUE TO CANCELLATION OF HOMEOWNERS POLICY THE HARTFORD REFUND DUE TO CANCELLATION OF AUTO INSURANCE POLICY PEBTF REFUND OF HEALTH REIMBURSEMENT FIRST INTERNATIONAL REFUND DUE TO CANCELLATION OF' SUBSCRIPTION CORDIER ANTIQUES PRDCEEDS RE SALE OF PERSONAL PROPERTY - 3 - 27-27-004-8887246 28,500.41 6.78 3,041.00 3,150.00 4,792.55 193.00 115.20 6,170.20 26.00 2.00 41.00 178.00 88.31 16.00 1,050.00 TRSN01 (10/07) B PNCBAI\IK JAMES R KUNKLE 27-27-004-8887246 TOTAL INVENTORY _-503,850_86 - 4 - TR5N07 (10/07) ],5056127,85 °~ REV-1500 EX (D2-11) (FI) OFFICIAL USE ONLY PA Department of Revenue County Code Year File Number Bureau oflndividualTaxes INHERITANCE TAXRETt1RN 21 ], 7, 01,59 PO BOX 26D601 Harrisburg, PA '1 7 1 2 8-06 01 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of ESirth MMDDYYYY 722-01-7670 01,242[17,], ],22:L7,925 Suffix Decedent's First Name MI Decedent's Last Name KUNKLE JAf1ES R (If Applicable) Enter Surviving Spouse's Information Below MI Spouse's Last Name Suffix Spouses First Name Spouse's Social Security Number THIS RETURN MUST BE F=ILED IN DUPLICATE WITH THE _ _ REGISTER OF WILLS FILL IN APPROPRIATE BOXES BELOW 2. Su lemental Return 3. Remainder Return (Date of Death 1. Original Return ^ pP Prior to 12-13-82) ^ 4. Limited Estate ^ 4a. Future Interest Compromise (date of ^ 5. Federal Estate Tax Return Required death after 12-12-82) 6. Decedent Died Testate ^ 7. Decedent Maintained a Living Tru~at _- 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust.) ^ 10. S ousal Pover Credit Date of Death ^ 1 1. Election to Tax under Sec. 9113(A) 9. Litigation Proceeds Received ^ P ~' ( Attach Schedule O Between 12-31-91 and 1-1-95) ( ) CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Daytime Telephone Number Name LINDA J - LUNDBERG, V • P • 71,7-73'EL}2265 -,--; First Line of Address PNC BANK, N•A- Second Line of Address P-0• BOX 308 City or Post Office State ZIP Code CAf1P HILL PA 17001,0308 r. , , _ - REGISTEib WILLS USE, ONLY ' .• -'r~~ -- _~ ^ - ,. , i -;,-, _1; - --I .. - __ ~•~~~ DATE FILED Correspondent's a-mail address: LINDA • L U N D B E R G a7 P N C- C O f1 Under penalties of pl I~~rr~~{{~~at a examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct a d iomplele~re (aratio ~ p~epa~ther than the personal representative is based on all information of which preparer has any knowledge. ,,.,...,,~., .r,r-' ~r_ oc i Gco tvclR r~R FII I _ QURN DATE ADDRESS v tLC ~ r ca. ur I I V Jl V 11 -4. ~.. ~, SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE DATE ADDRESS PLEASE USE ORIGINAL FORM ONLY Side 1 1,50561,21,85 1,50561,1,1,85 OM464I 3.000 1505611285 REV-1500 EX (FI) Decedent's Social Security Number 722-D1-7670 Decedent s Name K U N K L E J A f1 E S- R RECAPITULATION 1. Real Estate (Schedule A) - ~ 1 ~, ~ ~ , o o a • o a 2. Stocks and Bonds (Schedule B) . 2. ~ • ~ 0 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) • 3. ~ • ~ ~ 4. tJlortgages and Notes Receivable (Schedule D) - 4. ~ • ~ ~ 5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E) 5. ~ 7 ~ , 8 5 D • 8 6 6. Jointly Owned Property (Schedule F) ~ Separate Billing Requested - g. 0 • 0 ~ 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property ~ ~ ~ (Schedule G) ^ Separate Billing Requested 7. • 8 . Total Gross Assets (total Lines 1 through 7) g. 5 ~ 3 , 8 5 ~ • 8 6 9. Funeral Expenses and Administrative Costs (Schedule H). g. 4 2 , 17 7 • 7 6 10. Debts of Decedent, Mortgage Liabilities, and Liens (Schedule I) 1 p. 1, , ~ 8 9 - 2 5 1 1. Total Deductions (total Lines 9 and 10) . 1 1 . 4 3 , 2 6 7 - D ], 1 2. Net Value of Estate (Line 8 minus Line 11) . , , , . , , , . , • . , . . . . . . 12. 4 6 ~ , 5 8 3 - 8 5 1 3. Charitable and Governmental BequestslSec 9113 Trusts for which an election to tax has not been made (Schedule J) , _ . 1 3. 17 4 , ~ 9 2 • 8 5 14. Net Value Subject to Tax (Line 12 minus Line 13) _ . 14. 2 8 6 , 1, 91, - ~ ~ TAX CALCULATION - 5EE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers un~er Sec. 9116 16. Amount of Line 14 taxable 4 5 ~ ~-~ ~ at lineal rate X .0 0• 0 16. 17. Amount of Line 14 taxable ~ ~ ~ at sibling rate X .12 ~ • ~ ~ 17. ' 18. Amount of Line 14 taxable at collateralratex.l5 286,197,•0 1a. 42,928-65 19 4 2 9 2 8. 6 5 19. .......................... TAX DUE . 20. FILL IN THE BOX IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMEINT ^ Side 2 1505611285 1505611285 OM46S8 3.D00 pry-1500 EX (FI) Page 3 Tax Payments and Credits: 1. Tax Due (Page 2, Line 19) 2. CreditslPayments A. Prior Payments 4, 7 8 2. 2 2 B. Discount 2 ,14 6 • 4 3 File Number (1) _ 42,928.65 Total Credits (A + B) (2) 42,928 - 65 3. Interest 0 - ~ ~ (3) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. 0 - O (] Fill in box on Page 2, Line 20 to request a refund. (4) o-ao 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) Make check payable to: REGISTER OF WILLS, AGENT. PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS Yes No 1. Did decedent make a transfer and: X a. retain the use or income of the property transferred b. retain the right to designate who shall use the property transferred or its income ^ c. retain a reversionary interest ^ d. receive the promise for life of either payments, benefits or care? - • 2. If death occurred after Dec. 12, 1982, did decedent transfer property within one yeah of death ^ ^ without receiving adequate consideration? . ^ ^ 3. Did decedent own an "In trust for" or payable-upon-death bank account or security at his or her death? X 4. Did decedent own an individual retirement account, annuity, or other non-probate property, which ^ contains a beneficiary designation? IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN For dates of death on or after July 1, 1994, and before Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent [72 P.S. X9116 (a) (1.1) (i)]. For dates of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transie~rs to or for the use of the surviving spouse is 0 percent [72 P.S. X9116 (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. g9116(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(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 91 02, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. cns~a~~ z.ooo REV-1502 EX+ (01-50) pennsylvania DEPARTMENT OF REVENUE INNERIT.4NCE TAX RETURN RESIDENT DECEDENT SCHEDULE A REAL ESTATE ESTATE OF: FILE NUMBER: James R. Kunkle _ 21 11 0159 All real property owned solely or as a tenant in common must be reported at fair market value. Fzlir market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant fads. Real property that is jointlyowned with right of survivorship must be disclosed on Schedule F. Attach a copy of the settlement sheet if the property has been sold. ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE NUMBER DESCRIPTION OF DEATH ~. Residence 4 Chester Road Enola, Pennsylvania see appraisal of Michael P. McCauley attached 133,000.00 TOTAL (Also enter cn Line 1, Recapitulation.) ~ $ 133 , 000.00 ev,~<ees zeo^, If more space is needed, use additional sheets of paper of the some size. REV-1506 EX+(11-10) pennsyfvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, 8~ MISC. PERSONAL PROPERTY ESTATE OF James ITEM NUMBER 1. 2 3 4 5 6 7 8 9 10 11 12 FILE NUMBER: R. Kunkle 21 11 0159 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly owned with right of survivorship must be diisclosed on Schedule F. DESCRIPTION U.S. Savings Bonds Series EE see itemized list attached Interest accrued to 1/24/2011 PNC Bank, N.A. Checking a/c #5112030717 Interest accrued to 1/24/2011 Tangible personal property see appraisal of Cordier Antiques ~ Auctions attached 1999 Jeep Cherokee automobile Wachovia Bank CD a/c #24740204323619 Interest accrued to 1/24/2011 Wachovia Bank CD a/c #247402074027346 Interest accrued to 1/24/2011 'Wachovia Bank CD a/c #247402303016357 Interest accrued to 1/24/2011 Wachovia Bank CD a/c #247412061121811 Interest accrued to 1/24/2011 Wachovia Bank Checking a/c #1010220778839 Interest accrued to 1/24/2011 Commonwealth of Penna Reimbursement of fee charged for late Medicare enrollment The Patriot News Refund of unused subscription on cancellation Cash found in decedent's residence Total from continuation schedules - - . VALUE AT DATE OF DEATH 150,000.00 111,396.00 4,792.53 0.02 3,150.00 3,041.00 28,500.41 6.78 28,500.00 8.14 25,202.34 8.22 8,356.22 9.49 6,170.05 0.15 115.20 26.00 2-00 G VJ~6AD 200: TOTAL (Also enter on line 5, Recapitulation) $ If more space is needed, use addAional sheets of paper o1 the same size. 1,566-31 370,850.86 Estate of: James R. Kunkle Schedule E (Page 2) Item No. Description 13 Met Life Refund of homeowner's premium on policy cancellation 14 Proceeds due decedent for sale of fish prior to death 15 First International Refund on cancellation of subscription 16 PEBTF Health reimbursement refund 17 The Hartford Refund on cancellation of auto insurance policy 18 Cordier Auctions Proceeds from sale of tangible personal property Total (Carly for.~ear_d to main schedule) 21 11 0159 Value at Date of Death 41.00 193.00 16.00 88.31 178.00 1,050.00 1,566.31 REV-? 5? ~ EX+ (10.09) Pennsylvania DEPAR1iv1EM OF REVENUE INHERITANCE T,SX RETURN RESIDENT DECEDENT SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS - FILE NUMt3tK ESTATE OF 21 11 0159 James R. Kunkle " Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION A. FUNERAL EXPENSES: t Richardson mineral Home, Inc. g. ADMINISTRATIVE COSTS: 1 . Personal Representative Commissions: Name(s) of Personal Representative(s) PNC Bank N. A. _ Street Address 4242 Carlisle Pike City Camp Hill State PA ZIP 17011 Year(s) Commission Paid: to be paid 2. Attorney Fees. 3, Family Exemption: (If decedent's address is not the same as claimant's, attach explanation.) .,~ na.~.~« _ . AMOUNT 5,867.50 20,154.00 10,000.00 City State "LIP f Claimant to Decedent hi i - p o ons Relat 527.50 4. Probate Fees: 5. Accountant Fees: 6. Tax Return Preparer Fees: 7. 1 Cordier Antiques Commissions ~ expenses re. sale of tangible personal 467.71 property Total from continuation schedules - - 5,161.05 TOTAL (Also enter on Line 9, Recapitulation) 1$ _ __ 42 , 177.7 6 If more space is needed, use additional sheets of paper of the same size. 81N46AG Z.OLO 21 11 0159 Estate of: James R. Kunkle Schedule H Part 7 (Page 2} 2 Debbie Lupold, Treasurer 2011 E Pennsboro Area School District R/E tax 1,339.38 re. 4 Chester Road, Enola, PA 3 H B McClure Co Ebel oil delivery re. 4 Chester Rd., Enola, PA Original charge $197.93 74.82 less refund - 123.11 4 Tucker Arensberg, Attys Reimbursement for legal advertising ($305.02) and 398.13 misc. costs ($93.11) 5 Laurie J Weller 93 174 Reimbursement for mileage re. travel to feed fish . 6 PNC Bank 355.00 Real estate appraisal fee 7 Cordier Antiques 261.25 Personal propery appraisal fee 8 Register of Wills 4.00 fee for one short certificate 9 PPL Electric Utilities 35 302 service re. 4 Chester Road, Enola, PA . 10 East Pennsboro Twp Quarterly sewer/trash fee 229.50 re. 4 Chester Rd., Enola, PA 11 H B McClure Co Bill for parts re service call 273.68 4 Chester Rd., Enola, PA 12 SES Insurance Brokerage Services, Znc. Insurance coverage re. 4 Chester Road, Enola, ]?A 464.00 13 All Season Landscaping Lawn maintenance re. 4 Chester Road, Enola, PA 858.60 14 Debbie Lupold, Treasurer 2011 County/Twp Real estate taxes 425.41 4 Chester Road, Enola, PA Total (Carry forward to main schedule) 5,161.05 REV-~512EX+(12-OB) SCHEDULE Pennsylvania DEPnRTMENroF REVENUE DEBTS OF DECEDENT, INFIERITANCE TAX RETURN MORTGAGE LIABILITIES 8c LIENS RESIDENT DECEDENT FILE NUMBER ESTATE OF 21 11 0159 James R. Kunkle Report debts incurred by the decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expenses. VALUE AT DATE ITEM DESCRIPTION OF DEATH NUMBER 1 Holy Spirit Hospital 95.20 balance for medical services rendered 2 Wells Fargo Credit Card Services 160.65 balance due as of DOD 3 Arthur M. Feld Unpaid balance on invoice from Wesco Energies per 451.15 bankruptcy list presented to court 4 Verizon 31.27 final bill 5 Susquehanna Internal Medicine 60.98 deductible amount due for 2011 6 Sanford ~ Roumm Rheumatology I 15.00 Balance for medical services 7 IWachovia Bank Auto-debit - H.B. McClure 275.00 TOTAL (Also enter on Line 10, Recapitulation) ~_-__ ___ _1 , 089.25 ^,4^ y 2 ooo If more space is needed, insert additional sheets of the same size. REV-,5,3EX+(ot-,o, SCHEDULE J pennsyfvania ~P~~E~roF RE~NUE BENEFICIARIES INHERITANCE TAX RETURN IDENT DECEDENT R ES ESTATE OF: ~7ames R. Kunkle __ 'MBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY I TAXABLE DISTRIBUTIONS [Include outright spousal distributions and transfers under I Sec. 9116 (a) (1.2).] 1_ Laurie Jo Weller 1941 Jericho Road New Bloomfield, PA 17068 General Bequests: 35,000.00 IIistribution of Trust bequest per Article Sixth of Will: 92,000.00 1999 Jeep Cherokee automobile Inventory Value: 3,041.00 Tangible personal property Inventory Value: 2,950.00 Real estate per Schedule A Inventory Value: 133,000.00 FILE NUMBER: _ 21 11 0159 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE Do Not List Trustee(s) OF ESTATE INiece ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHDWN ABOVE ON LINES ,5 THROUGH 1 B OF REV-1500 COVER SHEET, AS APPROPRIATE. II NON-TAXABLE DISTRIBUTIONS A SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NJT TAKEN: 1 B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: ~ See Attached 1 265,991.00 T_OT_AL OF__PART_ II - EN_T_ER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET_~5 __ _ 174392 . 85 _ If more space is needed, use additional sheets of paper of the same size. ~v,~asu ~ o00 Estate of: James R. Kunkle Schedule J Part 1 (Page 2) Item No. Description 2 David Cheris 891 Willoughby Road Hummelstown, PA 17036 Tangible personal property Inventory Value: 200.00 3 Jody S_ Shover 31 N. Conley Lane Etters, PA 17319 General Bequests: 5,000.00 4 Cory J. Shover 850 Center Street Enola, PA 17325 General Bequests: 5,000.00 5 Craig F. Shover 24 Bill Dugan Drive Etters, PA 17319 General Bequests: 5,000.00 6 Debra Dillman 31 Comman Road Carlisle, PA 17013 General Bequests: 1,000.00 7 Deborah A. Railing 3545 Waggoners Gap Road Carlisle, PA 17015 General Bequests: 1,000.00 8 Betty Schlusser 55 Camp Ground Road Carlisle, PA 17015 General Bequests: 1,000.00 9 Brenda K. Shields 404 Autiunn Drive Carlisle, PA 17015 General Bequests: 1,000.00 None Relation Nephew Nephew Nephew None None None None 21 11 0159 Amount 200.00 5,000.00 5,000.00 5,000.00 l,ooo.oo 1,000.00 1,000.00 1,000.00 Estate of: James R. Kunkle Schedule J Part 1 (Page 3) 21 11 0159 Item No. Description Relation Amount 10 Paul Towner 512 Huntington Avenue Enola, PA 17025 General Bequests: 1,000.00 None 1,000.00 Estate of: James R. Kunkle Schedule J Part 2B (Page 1) 21 11 0159 Item Amount No. Description 1 Christian Churches United 413 S. 19th Street P.O. Box 60750 Harrisburg, PA 17106 34,878.57 200 of Residue: 34,878.57 2 Downtown Daily Bread 310 N. Third Street Harrisburg, PA 61,037.50 35% of Residue: 61,037.50 3 Feed the Children P O Box 36 Oklahoma City, OK 73101 34,878.57 20$ of Residue: 34,878.57 4 Bethesda Mission 611 Reilly Street Harrisburg, PA 17102 17,439.28 lOg of Residue: 17,439.28 5 Capital Area Christian Church 1775 Lambs Gap Road Mechanicsburg, PA 17050 26,158.93 15$ of Residue: 26,158.93 LAST WILL & TESTAMENT Ot= JAMES R. KUNKLE I ,JAMES R. Ka ~WtEand Testament bhereby}revok~ g all Wills and Codic is at any t mega declare this to be my heretofore made by me. FIRST: Tangible Personal Property; Reat Estate. q. Distributions. l make the following distributions of tangible personal property from my estate: ~ . I give my aquariums, Tropical fish, and aft related equipment or supplies (excepting books) to my friend, DAVID CHERIS, of Harrisburg, Pennsylvania, outr'~ght, if he survives me. if he does not so survive me, then this bequest shall lapse. 2. !direct that specified items of my tangible persona{ property shalt be distributed in accordance with the provisions of the latest signed letter of instruction or memorandum, which shall be dated and signed by me at the end thereof, from time to time. Such a list may take the form of a "Letter of lnstructian". In the discretion of my Executor, such list or letter may be filed of record or, in the alternative, may be retained securely by my Executor to preserve my privacy. 3. In the event that such a dated and signed letter of instruction or memorandum is not found and identified by my Executor within thirty (30) days after my Executor=s qualification, it shat{ be presumed that no such writing exists, and any subsequently discovered writing shall be ignored. 4. I direct that all remaining items of tangible personal property sha11 be liquidated at an auction to be held at a location other than my residence, or in such other manner off-site as my Executer shaft determine is best to receive fair market value. The sale proceeds shall become a part of the residue of my estate. g. Expenses of Storage and Shipment. The expenses of storing, packing, shipping, insuring, and delivering any such property to the beneficiary entitled thereto shall be paid by my Executor as an administrative expense ofi my estate. In addition, to the extent practicable in my Executor's sole discret'son, I give any policies of insurance on such property to the beneficiary entitled to such property. C. Specific Bequest of House. I devise and bequeath, in kind, my residence located at 4 Chester Road, Enola (East Pennsboro Township, Cumberland County), Pennsylvania (my "House"), free of any mortgages or liens (which, if any shall exist, shall be paid by the residue of my estate} to LAURIE JO WELLER if she survives me by thirty (30) days' but, if she should not so survive me, then 1 make such devise and bequest to her husband, STEPHEN WELLER, ifi he so survives me. if neither so survives me, then said d estate nc! bequest ofi my House shall pass as a part of the residue of my SECOND: Pecuniary Bequests.of g ch terson orrinstitution~dsubjectuotthe following below the amounts set forth after the name p priorities for satisfaction in full of such pecuniary bequests: q. First Priority Beneficiaries (who shall be satisfied first in full, before any payment to my Second Priority BenefiiciariE;s): 1. To LAURIE JO WELLER, the sum of Thirty-Five Thousand dollars ($35,000.00), if she survives me. If she should not survive me, then such bequest shall lapse. 2. To my Trustee, PNC Bank, N.A., iN TRUST, NEVERTHELESS, subject~to the terms of ITEM FIFTH of this Will, for the benefit of L2 0001 OOOifvshe survives me. if she should not survive me, Dollars ($9 ) then such bequest shall lapse. g, Second Priority Beneficiaries (who shall be satisfied only after the bequests to my First Priority Beneficiaries have been satisfied in full): 1. To JACK KEiTER, the sum of Five Thousand Dollars ($5,000.00}, if he survives me. If he should not survive me, then such bequest shall lapse. 2, To JODY S. SHOVER, the sum of Five Thousand Dollars ($5,000.00), ifi he survives me. if he should not survive me, then such bequest steal! lapse. 3. To CORY J. SHOVER, the sum of Five Thousand Dollars {$5,000.00), ifi he survives me. if he show{d not survive me, then such bequest shall lapse. 4, To CRAIG F. SHOVER, the sum of Five Thousand Dollars {$5,000.00), if he survives me. if hey should not survive me, then such bequest shall lapse. 2 5. To DEBRA DILLMAN, the: sum of One Thousand Dollars ($1,000.00}, if she survives me. if she should not survive me, then such bequest shalt lapse. g. To DEBORAH A. RAILfNG, the sum of One Thousand Dollars ($1,000.00), if she survives me. If she should not survive me, then such bequest shall lapse. 7. To BETTY SGHLUSSER, the sum of One Thousand Dollars ($1,000.00), if she survives me. if she should not survive me, then such bequest shall lapse. g. Ta BRENDA K. SHIELD:>, the sum of One Thousand Dollars ($1,000.00), if she survives me. if she should not survive me, then such bequest shall lapse. g. To PAUL TOWNER, the sum of One Thousand Dollars ($1,000.00), if he survives me. If he should not survive me, then such bequest shall lapse. 10. To THOMAS KERB, the sum of Five Hundred Dollars ($540.00), if he survives me. If he should not survive me, then such bequest shall lapse. THIRD: Residue. After satisfaction of the k~equests set forth above, 1 direct that the residue of my estate shall be distributed to the following charitable organizations, or to their successors in interest, in the following shares, to be utilized, as far as possible, consistent with the intention and purposes set forth in ITEM FOURTH of this Will: A. Twenty Percent (20%} to CHR1STi'AN CHURCHES UNITED, of Harrisburg, Pennsylvania. C3~ L ~~ E~} g_ Twenty ~ercent {~L-~"to DOWNTOWN A Y EiREAD, ofi Harrisburg, Pennsylvania. C, Twenty Percent (20%} to FEED THE CHILDREN, of Oklahoma City, Oklahoma, half of which bequest shall be used for its purposes in the United States, and the other half of which shall be used in locations outside of the United States, where need is present. CQ GC3 ~ ~n ~ ~~ ~~~ {,Cj ~~ Qa /p HOSPI~E OF CENTRAL p. Fifteen Percent PENNSYLVANIA, of Harrisburg, Pennsylvania. E, Ten Percent (10%) to BETHF_SDA MISSION, of Harrisburg, Pennsylvania. F. Fifteen Percent (15%) to CAPITAL AREA CHRISTIAN CHURCH of Mechanicsburg, Pennsylvania_ 3 FOURTH: Charitable Intention and Use. It is my intention that the bequests set faith in (TEM THIRD shall qualify for a charitable deduction far purposes of federal and state death taxation; and the bequests are so conditioned. Ta the extent that such a bequest shall not so qualify, my Executor is given the discretion and duty to redirect such bequest to a charitable organizatian that most closely would apply the bequest for similar charitable purposes; and such shall be evidenced by a declaration filed before the due date of sucYr death tax returns. It is my further intention that the funds distributed pursuant to ITEM THIRD should be utilized, as far as possible, for capita[ or endowment purposes, not for operating expenses of the organization; and my Executor, prior to distribution, shalt receive assurances as to such anticipated use by each organization. FIFTH: Beneficiary Trust. As to the bequest set forth in ITEM THIRD of this Will, for the benefit of LAURIE JO WELLER (the "Beneficiary"), whereby the sum of Ninety-Two Thousand Dollars ($92,000.00} shat! be held in trust for her benefit if she survives me, 1 make the following trust provisions: A. Such funds shall be.distributed to PNC BANK, N.A., as my trustee (my "Trustee"), INTRUST, which shall retain and administer such funds. B. My Trustee shall pay to or for the benefit of the Beneficiary al{ net income of the Trust at least quarterly. C. My Trustee also may make distributions of the principal of the Trust in such amounts and at such times as my Trustee, in the sole and absolute discretion of my Trustee, may deem advisable for the health, maintenance, support, and education of the Beneficiary, after taking into consideration other resources available to the Beneficiary. D. Upon the death of the Beneficiary, the funds remaining in the Trust steal{ be distributed pursuant to ITEM THIRD set forth above, outright. SIXTH: Estabtisfrment ar Termination oz Small Trust. if the principal of the trust created hereunder is or becomes too small in the discretion of my trustee to make the establishment or the cont'snuance of the trust advisable, then my executor or my trustee may distribute the remaining principa) and any accrued or undistributed income outright to the then- current income beneficiary of the trust or to the person who would be the current income beneficiary of the trust if it were established, as the case may be. The receipt and release of such income beneficiary or beneficiaries will terminate absolutely the rights of all organizations which might otherwise have a future interest in the trust, whether vested or contingent, without notice to them and without the necessity of filing an account to the court. SEVENTH: Administrative Provisions. The following provisions steal! be applicable to my estate and the trusts created hereunder: A. Spendthrift Protection. 'i. Assignment Prohibited. While in the hands of my executor or trustee and until actually paid aver or delivered to the persons entitled thereto, all legacies, shares, or interests in my estate or any trust created hereunder, whether income or principal, shall not be subject to assignment, pledge, execution, attachment, or the claims of creditors. 2• Exception for Certain Actions. The provisions of subparagraph A.1 above shall not preclude: (i) a personal exercise or release by a beneficiary of a right of wii.hdrawaf or power of appointment granted hereunder, if any; (ii} a disclaimer by a beneficiary, in whole or in part, of any interest in income or principal hereunder; or (iii) a setoff against such interest of any indebtedness of the beneficiary to me, my estate, or any trust created herein. B. Accrued or Undistributed Income. Upon the death of any income beneficiary, any accrued or undistributed income shall be paid to the person or persons for wham the principal is continued in trust or to whom if is distributed under the terms hereof. C. Beneficially Interested Fiduciary. Regardless of any contrary provision contained herein or any discretion gr<~nted by law, no trustee or other fiduciary (hereafter "fiduciary" or "frduciaries") acting hereunder shall have or enjoy any power or authority in that capacity which may be deemed under the provisions of Sections 2041 or 2514 of the lnternai Revenue Code of 1986, as amended {the "Code"}, to be a general power of appointment held by the fiduciary (the "Power" or "Powers"). In any such case, such Power or Powers shah be vested exclusively in the other fiduciary or fiduciaries, if any, then acting hereunder and not also thus similarly disqualified. If all of the current fduciaries are similarly disqualified, then such Power or Powers shall be vested exclusively in the next succeeding fiduciary or fiduciaries hereinafter designated or provided for who are not also disqualified. In the absence thereof, such Power or Powers shall be vested exclusively in any Special Trustee appointed by the court for that specific limited purpose. D. Written Notices, Until written notice of any event upon which a right to receive income or principal may depend is received by my trustee, my trustee shall incur no liability to persons whose interests have been affected by such event for distributions made by my trustee in good faith. E. incapacitated Persons. if, in the opinion of my fiduciaries, any beneficiary of my residuary estate, or of any trust estate created hereunder, is physically or mentally incapable of handling his or her financial affairs (which shall be referred to in this paragraph as "incapacity"), then Such beneficiary's share of my residuary estate or trust estate, as The case may be, shall be retained by my personal representative as Trustee (or by my trustee in continuing trust, as the case may be), in trust for such beneficiary until such incapacity is terminated. Until the termination of incapacity, my trustee shalt accumulate the net income or apply so much of the income and principai as my trustee, in the absolute discretion of such trustee, may deem advisable for the health, comfort, care, maintenance, support and education of such beneficiary and his or her children, in any one or combination of the following ways: (i) by paying the same to the beneficiary; {ii) by paying. The same to a person or organization caring for such beneficiary; (iii} by paying bills incurred by such beneficiary; (iv} by paying The same to the beneficiary's guardian; or (v) by expending the same directly for the benefit of the beneficiary. Except under clause {v), my trustee shall be under no obligation to see to the proper application of the funds so paid. Upon the termination of incapacity, as determined by my fiduciaries or by such beneficiary in the manner set forth below, my trustee shall distribute such share t:o the beneficiary free of trust. If the beneficiary dies prior to the distribution of his or her share, then my trustee shall distribute such beneficiary's share to the persona( representative of such beneficiary. Any beneficiary may at any time refute my fiduciaries' determination as to his or her incapacity by presenting to my fiduciaries a certificate executed by two licensed physicians, which certificate states that such beneficiary is physically and mentally capable of handling such beneficiary's financial affairs. Upon presentation of such a certificate, my personal representative or trustee, as the case may be, shall immediately distribute to such beneficiary, outright and free of trust, all amounts held and accumulated by such fiduciary under this paragraph. EIGHTH: Powers ofi Fiduciaries. In addition to the powers conferred by Taw, my executor with respect to my estate, and my trustee, with respect #o any trust created hereunder, shall have the following powers, to be exercised in their absolute discretion, in the capacity to which such powers may be applicable_ A. General Powers. 1. To re#ain for distribution in kind, without duty of diversification, aA property owned by me at my death or received in trust (including but not limited to stock in the paren# or any affiliate of any corporate fiduciary or its successors}; 2. To invest in al! forms ofi property, without restriction to so- called "authorized" or "lega{" investments and without regard to diversification including, but not limited to: (i} common trust funds maintained by any corporate fiduciary or its bank affliates; (ii} securities underwritten by any corporate fiduciary ar any of its affiliates, whether individually or as a member of a divided or undivided syndicate; (iii) participation in registered investment companies (including money- marketfunds) for which any corporate fiduciary, any affiliate, or any subsidiary of an affiliate provides services for compensation, whether as custodian, transfer agent, investment advisor or otherwise; and (iv) interest-bearing deposits in a bank or other financial institution under state or federal supervision, including any corporate fiduciary's banking department; Provided, however, !express my desire that, to the extent possible and practicable, my fiduciary should not engage in long-term investment in mutual funds. 3. To exercise al{ rights of security holders; 4. To delegate discretionary powers; to employ investment counsel, custodians of trust property, brokers, agents, accountants, and attorneys and to act without independent investigation upon their recommendations; 5. Ta deposit securities in a clearing corporation or carry the same in the name of a nominee or in kook entry farm; 6. To maintain, repair, alter, improve, partition, subdivide, dedicate, and otherwise manage or deaf with real estate; 7. To sell, exchange, lease for any period of time, or mortgage any real or personal property, and to grant options for the sale, exchange, ar (ease of the same; 8. To borrow money from any source, including any affliate of any corporate fiduciary, and to pledge or encumber any property of the estate ar any trusts created herein as security therefor, without liability on the part of the lender fo see to the application of such funds; 9. To compromise claims in favor of or against the estate or trusts without court approval; 10. To exercise options to subscribe to or purchase securities; 11. To join in, consent to, or oppose any voting trust and any plan of lease, mortgage, merger, consolidation, reorganization, recapitalization, liquidation, foreclosure, or other readjustment of the fiinanciai structure of any firm or corporation in which the estate or trusts may have an interest; 12. To purchase from my estate and that of my spouse any assets thereof and to make loans thereto to provide liquidity; 13. To retain items of tangible personal property indefinitely without necessity of conversion, permit use of the same by any income beneficiary, and distribute or apply the same pursuant to either the discretionary or mandatory principal distribution provisions of the trust in which the same are retained; 14. To apply all or any part of the income of any trust created herein far the payment in whole or in part of the cost of maintenance, repair, or improvement of any real estate held therein and the taxes, insurance premiums, or other costs and charges due with respect to the same; 15. To decline to accept, disclaim, release, renounce, or abandon any interest in property and any power without court approval; 16. To make distributions in cash or in kind at current values, in undivided interests or non-pro rata shares; 17. To nominate themselves or another as Custodian under a Uniform Gifts or Transfers to Minors' Act and make transfers of a beneficiary's interest in all or part of thE: estate or trust to such Custodian to be held for the benefit of such beneficiary; 18. To purchase and sell securities through any (broker or brokerage firm they may select, including any brokerage operation affiliated with or conducted by the parent or any affiliate of any corporate fiduciary or its successors or any of their subsidiaries (and the payment of the usual commissions charged by such an affiliated brokerage operation shall in no way reduce or otherwise affect any corporate fiduciary's compensation as hereinafter provided for}. B. Elections. To make elections under the tax laws and to select property, without regard to income tax basis, to be sold to satisfy obligations of my estate or trust estate or to be allocated in kind to any beneficiary, including any trust, and to elect to receive the proceeds ofi any qualified employee benefit mast or individual retirement account payable to my trustee as a lump sum distribution, an annuity, ar any other available form of payment, without reimbursement or equitable adjustment in the relative interests of the beneficiaries affected thereby and without liability therefor. Such actions shall be binding and conclusive on al( persons. C. Collection of Proceeds of Life Insurance Policies. To collect the proceeds of any life insurance policies payable to my trustee hereunder from the issuing companies, who shall have no responsibi{ity to see to the application thereof; to bring actions to enforce payment ot` any policy if the funds held hereunder by my trustee are sufficient to indernnify my trustee against a!f costs, attorney fees, and other expenses of suit to th,e satisfaction of my trustee. I]. Allocation of Capital Gains, (==ands distributed in a discretionary application of principal or in response to an exercise of a right of withdrawal hereunder, if any, shall neither be deemed to r~or actually include capital gains realized during the current tax year, except to the extent that, in the exercise of their absolute discretion, my executor or trustee may deem it advisable to elect to allocate all or a part of such gains #hereto. N1NTH: Each Recipient to Bear Proportionate Share of Tax. Except as otherwise provided in this Article, I direct that of I estate, inheritance, and other faxes in the nature thereof ("death taxes"), together with any interest and penalties thereon, which become payable because of my death, whether as a result of transfers made under this Will or otherwise, shall be paid by the person or persons who receive a beneficial interest in the assets that generate such death taxes, and that such liability shall be apportioned among such persons in proportion to their respective interests in the assets that generate such death taxes, without any equitable adjustment for income taxes that may be at any time due or owing on such assets, and my persona! representative shall seek reimbursement for such death faxes to the fullest extent permitted by applicable law. TENTH: Executor. I appoint PNC BANK, N.A., to serve as executor of this Wili (my Executor') and also as trustee (my "Trustee") of any trust created under this Will. ELEVENTH: Resignation and Successor Trustee. A. Resignation of Corporate Trustee. Any corporate trustee, whether or not appointed herein, may resign as trustee of any trust created under this WiA by petitioning a court of competent jurisdiction for the appointment of a successor trustee, such resignation to be effective upon the appointment of a successor trustee by the court and the #ransfer of the assets to such successor trustee. B. Power to Appoint Successor, If at any time there is no person or corporate fiduciary named or appointed who or which is able, willing, and qualified to serve as a successor to the last remaining individual trustee then serving hereunder, whether or not named herein, the individual trustee may appo}nt in writing his or her successor. Any such appointment may be revoked or changed prior to its becoming effective. TWELFTH: Fiduciary Gompensation and Bond. A. Compensation Permitted. Any corporate executor or trustee serving hereunder shall be entitled to compensation for its services hereunder in accordance with its schedule of charges in effect from time to time during the period in which its services are pertormed. 9 13. Bond not Required. Under no circumstances sha{i any executor or trustee appointed hereunder be required to post bond in any jurisdiction, THIRTEENTH: Miscellaneous. A. Headings, The bold headings used throughout this Wii[ are for convenience only. I do not intend such headings to be used in the construction and interpretation of this Wiii. B. Number and Gender. Except where the context clearly indicates otherwise, all references to the singular shall include the plural and vice-versa (including but not limited to the term "frustee") and masculine pronouns shall include the feminine and vice-versa. WITNESS my hand this ~~ day of August, 2009. JAMES R. KU KLE Signed, sealed, published, and declared by the above named testator, JAMES R. KUNKLE, as the testator's last Wi{I in the presence of us who at the testator's request, in the testator's presence and in the presence of each other have hereunto subscribed our names as witnesses. r~ / Name ~// r/~./ /~~J.-.r,j ~~'. ~~5~ i3/zC ,~~ / 71 U ~ Address ~~ foi ~o>> i~ '~~w T'r ~s/ ~~ Name / F~ Tit ~~-S Jc~~ G--- /~6 a Address xo AFFI®A`JIT' QF ~lflT`l~IE~SES COMMONWEALTH E}F PENNSYLVANIA ) COUNTY OF DAUPHIN I SS. We, JAMES R. KUNKLE, .V~l.~i~ ~ ~~~c~-~P~-~ and 1_L_____, testator and witnesses, respectively, whose names are signed to the attached or foregoing instrument, being first duty sworn, do hereby declare to the undersigned authority that the testator signed and executed the instrument as the testator's last Will and that the testator signed willingly, and that the testator executed it as the testator`s free and voluntary act for the purposes therein expressed, and that each ofi the witnesses, in the presence and hearing of the testator, signed the Will as witnesses and that to the best of his or her knowledge the testator was at that time eighteen years of age or older, ofi sound mind, and under no constraint or undue influence. TESTATOR: WfTNESSES: ,~ .-~ JA E R. KUNKLE ~ Subscribed, sworn and acknowledged before me by JAMES R. KUNKLE, the testato and subscribed_ and sworn to before me by _ -~~5 _~ --~~,~- and ~ `~~~ ~,,N~ „ ~ - ,witnesses, this ~_ day of August, 2409. ~ C, o y Public MY COMM1SSfON EXPIRES: COMM4NWEAlTN OP PEiVNSYlVAN1A Notarial Seal t 08566.1 PatLlne PattrTt~artas, Notary p~~ Commt res~I ~ irch 24, 2Q11 A~ember, ~°-nns~ivanla Assoclatlen of Notaries ~~ ~~' ~ ~~- --- ~F 7. ,? > ~7 7 , ~~ ~i D ;, ~~ ~~ ~. Ij a ~%~/ ~i,~~11~ ~- rte, L ~,;L: L~ C~ ~~1 s-% ~ G ~ r ~~ ~ :~: _ ~~~5' /~~ l G; ~,,~~ ~"; ~11.5~{ .~i~ Ilr'v'G'~ 1 t~I~J.,.S6~ " ;~r~A/~1~7 ~ ~t~' L- ~- . ~ ~-~;~ ~ N ~ ~ ~?l~~ ,~'1 f~rt~S`c~ ~ ~ ~''~~J ~;CI ~l t ~.,c~ C,~1 ~l ~ ICI C 1 rJ; ~ ~ .~ ~ ~~ .{/%r~%f~:5 ~~f~~lC?.S;_ ~ ~ ~L ~~fC'~~~-l~~ zi t ~~~~Y~~~f~~,,~ ~tir~%LS C~(~-:~ ~ fv' ~ 1 ~ ~:S C ~~ : ~~%~ s f~~ ,~ f t ~7-~ 1C~~ r~. % ~~~~~'~~- REAL ESTATE VALUATION ADVISORS 3957684 APPRAISAL OF SINGLE FAMILY RESIDENCE LOCATED AT: 4 Chester Road Enola, PA 17025 FOR: PNC Bank -Wealth Management 397 State Highway, t21 Bypass BORROWER: James R. 8 Eleanor Kunkle AS OF: February 22, 2011 BY: Michael P. McCauley RL003411L PO BOX 689, CAMP HILL. PA 1 REAL ESTATE VALUATION ADVtSOR:> 3957684 ouzuzoll PNC Bank -Wealth Management 397 State Highway, 121 Bypass File Number: 11-0067 To Whom it May Concern, In accordance with your request, I have appraised the real properly at: 4 Chester Road Enola, PA 17025 The purpose of this appraisal is to develop an opinion o(the market 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 market value of the property as of Fehruary 22, 2011 is: 5133,000 One Hundred Thirty-Three Thousand Dollars The attached report contains the description, analysis and supportive data (or the conclusions, final opinion of value, descriptive photographs, limiting conditions and appropriate certifications. Thank you, Michael P. McCauley RL003411L Appraiser 689. CAMP Hfl l PA 770M SUMMARY APPRAISAL REPORT 3957684 l)nifnrm RPC1r1U1-11191 4.,r,~~:~--,I d.,..,..; the ur ose of this summa ap sisal re orl is to rovide the lenderldienl with an accurate. and ade vatety su Dried, o inipn oI the marker value of the sub ec1 roper . Ro Atl6ess 4 Chester Road Enola ~ State PA z coee 17025 Bonowa James R. 8 Eleanor Kunkle OwnadPlbfic Record James R. b Eleanor Kunkle Courtly Cumberland ~ L As Described in Deed Book: 24X Pa e: 918 Assessor's Pa¢c f 09140834232 Ta: Vex 2011 RE Taxes S 1 794.61 Name N!A Ma Retemnce 09140834'232 Cawrs iraa 3240-0f 02A02 Osvnes Tertart Varam S I Assessneres i N!A PUD HOA S WA Der ear morph Pr Ridtls ailed Fee 5" Leasehdd Otlla describe) As ' nmmtT Ptadase iransadion Refinance Transaction X Omer desibe Wealth Manes ement LrsldalClient PNC Bank -Wealth Mana ement Address 397 State Hi hover 121 B ass Is the w 'eg atrr dtered br sale a has a been off erect for sale in fie twelve months for to the pJferave tlate d this a praise!? Yes X Nn Report data sagre(sl useD, oHerag price(s), and dale(s). Search criteria used for information and veriflcatlon was obtained usin CourthouselMLS records. The search revealed the sub ect the sub' ct has not been listed for sale in the past 12 months. I did did rot ar>alyze the canraa for safe 1a the sUrYjl'1I purchase trartsaaron. Explain the rewgs d the analysis d the rDrdraa for sale tr why the analysis was na pafortned. ~~ Price S Date d Camrad Is the o Seca the wma d tic recaQ? Yez No Data s Is there arcy finarrsal assistarrl: (loan dtxges, sale conressbrts. gift a dwmpayment assistanre, etc.) Ip be pa4 by any parry on twlad d the Dpnown? Y e es No If Yes, report Ire tpml dogar armor[ and describe the hems Ip De paid. lion a~ Nate: Race antl the racialcan of the roi hborFioptl ere opts sallaclors. -- ' ~Neiynbyt~oodCAar-ann~:fs<' _._ - ~~ _ ..y ~ ~-O~teizrutfSanmg Trends --..' i.. _. ' . A '.Orie-UNt Hi>in1^9 r- ~.T Pres~rn law User x'~ 4• Locatbn Urban X Suburban Real Pro Values lnueasm X Stable Doclinin PRICE AGE , Ore-Una 100 % Budt-U Over 75% 25-75% Untla ZS% DemantYSu Sharer X In Balance pees Su I S ODD 2-4 UM GrlrMh Ra itl X Stable Slow Marked time Under 3 mms 3-6 mtns Over b mNS 32 Low 2 % Mugi~Fami 96 Neighbortwod Boundaries North: Wertrville Road South• Margo Road East no east 340 H~ h 121 Commeroal ,; bounder West: East Penn Drive % . ti i 145 Pred. 36 od,a % e gntxlrhood Description The subject is located in East Pennsboro Township in a single famil nei hborhood. Em to ment Is stable in the coup and rs one of the hi hest fn the state. All amenities are within a reasonable distance from the sub'ect Private trans ortation is r wired to reach all amenities. Markel CpnQiiax IinckFding wppon fa the above cmdusia,s) The average time of a listing is 122 days and has a median sales rice of 5152 500 within the alt 12 months as er MLS. The market a ears to be stable in activi with no nta'or increasin or decreasin values based on the sales histo of ALL sales within the sub'ect's nei hbofiood within the alt 36 months. Dirnestsinns lked rat su lied area from courthse Arra .35 ACreS Sher IrE ular Yiew AYera e 'c c7assir~tiorl R1 Z Descri Residential Sin le Fermi) Z Corn arre X Leaal L I Norr~rdor IGrandatnaed Use No Zo p al describe k the nigres and bev use d the w~ea prppeny as unpoved (a as proposed per plats and specifications} the presert vse7 Yes No tl Np d ib , escr e UUIiU<z Public Other tlexril,¢I Public Other d<xribc On.sitel ants--T Public Private Ekaric- X wxa X Well Street As halt Gas X Oil San' Suer X An None FEMA IFIoodHazardlvea Yes No fEM4Fbo02oneZoneX FEMAMa ) 42041C0115E FEMAMa Dale03l1612009 Are the trtiMies and off-sae i roeernera5 Ia iha marks area? X Yes No II No, drsrsibc. Are these ary adsrsse site crutdaions a enema) fa7rrs (easements, errsoaUtmeras. ernironmental tpnddions, land tries, etcJ? Yes No N "es desrbe U on m , ins action I found no adverse encroachments conditions slide areas or assessments. The size sha a and landsca in of the site is ical for the area- . . s• '--.'. GENERAL DESCJ2iPT10N "_~"-'~P' ''i:^..-- '•'=. FOUMDATmlV.. .t...: :_~ ._. EXTERIOR DESCRIPTION i."inaiealslrnridai~n- --'- _. Y. ~3NTERfOR--1-.-~nrataiaiskand-n;onn Ural One OnewM Unit Comae Stab Gawl S Fpurdatipn Walls ConC Bloek/Av Floss WwNtn IlAv ldSrnries 1 X FugBasemaa ParsialBasernern Enaiorwaes BricklAlurnlAv woes Plaster/Av T X bet. AV. S-De~hmUna BasentesrtArea 1120 .tt Rpd$calxe Shin IeIAY TrarVFirwsh WdlPnt/AV Exis7., Pr UrderCorrst. Hast+naeFinish 0% Gtrons;Downs sAtu~mlAv BamFUm Vin IlAv S Ranch outside a Su R.n windowT Dble Hurt !Av Bamwainsml CeramidAv Year gain 1973 Etiderxed heleslMipn Shan SasMnsularrd CombWAv Car Sto2 None EBative Aa: rs 20 Pam tress Savanern Screens Existin /Av X a' iol Cars 2 A¢r None Hea ~ FWA HW88 Radarrt Amerrties Wt>od$tove s ! Orivewa Surtace Concrete Dr Stan Staes DNa Fuel Oll Fae acts ! Fence X Ga / 01 Cars 1 Fba X Sarme Co oF Cemral Aa CoMibaii PabdDeck Porch COV FR X Ca loi Cars 1 FinishM ' Heated hxyvidual Other Pod Otner X An. Det. BWq.in liartrls Reh eraror RaroeJDvrn Drshwasha Daoosal Mioowave Washal r lhhcr d<scdbe Fmrzhed xea above ade ctxttains' 4 Rooms 2 Bedrooms 1 Bath s 1 120 Square Feet of Gmss livin Area Apove Grade Addifiorral lealures (spedal erergy etfraa arms. etc.). The subject contains the following systems and items: 200 AMP Service Summerrwnter Domestic HIW Co er Plumbin Covered Front Porch- • DesQiDetnemnagionottnepropstyprlca,de,ynetdedrepairs,deraioradm,re„ovations,rlrnodeang.elt). There are no 5l nifieantre irsneededwfthnarmal wear and tear. At the time of the ins action the a raiser noted evidence of a roof leak on the interior of the subject ro . The a raiser strop I recommends a roof certification. The sub"act has no Functions! inade uacies. No external made uacies were observed. Are mere arty pnysral ddcrrroes a adverse mrdnna Otat alrax the IivaATgy, saeeftess, a sfisv>/al attegity d the prrgenYl Yes No tl Y d i A h es. escr be. t t e Lime of the Itzs action there were no adverse conditions noted- how th i ever e a ra ser is riot nor in an ova re resentin himself orclaimin to be an: En ineer Home Ins trot Surve or Buildin Contractor Roofin Contractor Electrician Plumber Painttn Contractor HVAC Contractor or an other a of contractor or ez ert- Ooes Vie pre~rty genaary mdam m the neighborhood Irunaional inlay, style, rnrlmton, use crosrmmon arc )? Yes No d N d ib , , . p, escr e. F, STe I.bc Fmn Yl1da~ 2Ip5 v~_.. __ .~~ .~_- ........... P~eltlE ~e~.YC rroe lam r llxb mr IE eA9o5 SUMMARY APPRAISAL REPORT 3957684 Uniform Residential Aonraisal Rennrt raPNe ,,.nnR7 77sae are 4 rnm rode ~ oaten ollered to sale in Ilse w ~~i ~ tstsortood ra 'rsq us price h'mn f 0 to f 0 There are 0 [nm ahle Saks in dse " hturttoo0 wrih¢s dse St sweMe monsM saroin in sale re htsm I D to S 0 FEATURE SUBJECT COMPARABLE SALE NO.1 COMPARABLE SALE N0.2 COMPARABLE SALE Np.3 4 Chester Road Addess Enola PA 34 Circle Drive Cam Hill PA 54 Sharon Road Enola PA 1 East Glenwood Drive Cam Hill PA Pr to 'ea - =1:~ ~i°~~'` ; ~ 3.07 miles S 0.77 mites W 1.25 miles SE Sale Price i _ : ..' . f 125 OOD =:-'3:z! 3`',.S' ~ f 134,940 :~'_=: ; ~: =t:. ~<_-. S 146 500 Sale PdmCyass Gv. Arm f 4.00 .K 86.57 h 3 -. .r=~.~,_,- ~ ~ ? i 123.53 R tti' ..r .~~,~?';: s 120.58 .h. r,Y. ~ ~ ~ ~: Data Sauce s -_ =%.'.+~'*:~ts~'=~= MLS# 10193930 MLS# 10200487 MLS# 1019207D ver(s[alion Sas¢ s - = ~.i{::"~,;_r~<:.' Tax Records/MLS Tax RecordslMLS Tax RecordslMLS VALUE ADJUSTMENTS DESCR1pTtON DESCRIPTION .t- s smtm DESCRIPTION .. s n -u<m.a. OESCRIPT1pN •I- s ~,,,~ SaleaFinarrcrsg Caeessiorss __~~t-=~;T`~-r'-~•b-, .. xv.r -_ - - _ - :- . J Cash- 193 DOM None Known Cash-34 DOM None Known FHA- 23 DOM S60D4 CCPD DaledSalell'me -"`~?__`:~:3 ,'= :+~~"~ 11!1612010 12/07/2D10 051281201D LtsraDott Suburban Suburban Suburban Suburban LeasersoldrFt>e Sim a Fee Sim le Fee Sim le Fee Sim le Fee Sim Ee Sae 35 Acres 19 Acres 30 Acres 32 Acres vresr Averse Ave2 a Averse Avers e Ranch Ranch Ranch Ranch d Casstrsbion Averse Averse Avers a Avers e Aural 1973 1962 1963 1969 l:ondaion Ave rse ~ Avers a Avers a Avers e Above Glade rwl aw., a+an raw m,a: assn rsa aw r,w ~: am,s RoamCoont 4 2 1 5 2 i 5 3 1 6 3 1.5 -500 Grosz ' Ama 15.00 1 120 . R 1444 h -4 860 1 092 h 1 215 t. -1 425 Basenx~eSFinished Rooms Below Glade Fu1111120 Sq.Ft Unfinished Fu111.5 Bath Rec Room -500 -1 500 Full Fami Room -3 500 Fu111.5 Bath FR/Den/Office -500 -7 500 Flxscsgrel uti~ Averse Averse Averse Avers e Hrsi Ade !Central Ade !Central Ade !Central Ade (Central _ Esser Effloern hems None None None None Gar dCz 1 C Cr kl1 C Att 1 Car Car rt 2 000 1 Gar Attached 1 000 None 3 000 _ PaCJPaidD[rk Cov Frt Porch Cov Frt Porch Front Porch 1 OOD Front Porch 1,044 Other None Cov Patio -1 $OD Deck -500 None _~ Other None None None None Other A liances A liances A fiances A liances Net ash __ - -- ~-_ S 6 360 f 2 000 X - S 5 925 Ad;ttssed Sak Price a cars odes ~~+~?r,.=. .~~ ~s -` _~`=" - - Net Adj. -5.1% Gross 8.3% S 118 640 Net Adj. -1.5% C+~s 4.4% I 132 900 Na Adj. -4.0% CrossAdl. 9.5% s 140 575 I drd ditl tai reseach the sale a vansfes n'rssdry a she wDjea prgxrry and [omparaDk sales. ll rxR. explain research did X did rot saves! an is sales a tansfess d the wDen for Ehe tlvee rs is to she ertcaivc Cale d this appraisal. Data Sauce S COU rthOUSe research did X did rot reveal an sales a Uanslers d me com arable sales fa the ear is to the dale d sale a the comparable sale. Data sour[e s COUrthOUSe R IFse resuhs d the research and arts ~s a the ~ sale a DansYer dsttuv d Ire su ~e0 a rU wm arable SaIeS r adtlaional is sales of a e 31. (TEM SUBJECT CDMPARABLE SALE Np.7 COMPARABLE SALE NO.Z COMPARABLE SALE N0.3 Dated Pria SalrJTransler None in ast 3 ears None in ast ear None in as[ ear None 1n ast ear Prke d Prior SaldTraitder ;0 Sffl SO SD Data s Courihouse/MLS Courthouse/MLS Courthouse/MLS Courthouse/MLS Erteaive Dace d Data Soap s 42!2411 02J2D 11 - 4212011 4212011 Anaysadpriorsa>eoro-awert.slorydv,es,gecepopenyandmrrgaadesafes Search criteria for the subject did notreveatan riorsatesforthe sub~ecf in the ast three ears. Search criteria did not reveal an riot sales for the comparables for the as[ 12 months. Slsmmary a Saks Comparison Approach. The comparables used were the hest to be found in the sub act's same townshi of East Pennsboro Townshi .The com stables show a market value ran a tram 5118 640 to;154,SD0. t have over hed m o inion in favor of com arable #2 as it reflects the most robable value of the sub'ect The hotos of the comparables have soltl and settled are verified throw h MLS Courthouse or A ants Involved. The hotos have been used for expediency and these otos rovide the client with the best re resentation of the com stables at the time of their purchase. SEE ATTACHED ADDENDUM Indicated Vahre Sales Comoarism oacn s 133 000 Irtdcasee Vattrh 5eles Corn , sanA oachi133 000 costa oacn Greases s 4Fi 6D0 Irxor»e Approach lit develo is NIA( I have over hed o inion in favor of the Market A roach which is the best indicator of value, uslnq Fhe Cost A roach ii develo ed as su rt on The Income A roach Is not a Iicable. T Cut apprzisal 6 mace X 'as rs," wDjea to mmplr~ion pa ptarrs and spedraDars m the bass d a trypaheU[al cxr~n'xsr. that sne improerrsems have Veen romp@ted. ^s/bjecl to use Idb.+iny r~airs nr anerasions on the basis d a nypuhesical rortdiion tt>af she repairs tx asteraliom !save been mmpldeC, a ~ wDjecI some lotu+r,g regaved . inspeoion based on use earaad"usary assnn,p[;m mat the contlnion or derioenty aces not requva aneration a repair: This report has been com rated as an "As Is" A sisal Re rt and is not subject to an conditions. _ aaxe on. complete ~isuas ;nsp«oon or the Imerlor .~d eaerior stoat or me sv~Jecs property, eennea stops or wor., ita,eme.,, nr as somptfons end ue,n tng ondinons, and apps isn s cen'rfi r„tion, my lour) oplnton of ehe market value, es defined, of rase real property [het is the s.,bJect of thls report is S 133,000 as or D212212D11 Wnlcnls tr>edmeof ~nspectio anethe eflective date o/[his epprulssl. pegc 2 d 6 trot M ¢05N Real Estate Valuations Advisors SUMMARY APPRAISAL REPORT 3457684 Uniform Residential Appraisal Report File No. 11-0D6I Clarification of Intendod Use and Intended User: The intended User of this a sisal re ort is the LenderlClieltt The intended Use is to evaluate the property that is the subject of this appraise! for a mort a e finance transaction sub"gist to the stated Sco of Wo se rN the a sisal reporting requirements of this appraisal re form and Definition of Market Value. No additional Intended Users era identified b the a raiser. The extent of the services rendered in this east nment encom ss a!I the activities considered oases to tuffilt [he common sense and ethical res nsibilifias in develo }n are rt tl7at is accurate ob"ective and an unbiased o inion of value for the sub ed roe These activities include: collectin date re ardfn the h sisal wb'ect o the com arables the gingival neigh boyhood and market area trends and Influences. The a raiser made reasonable efforts to review the re{evant mWfi Ie Iistin service and courth~wse records for [hn sr,b'ed and the com ables used in tlPis isal ro rt 1n the case of conflictin iMormation ere effort was made to idenU and use the most accurate information, H a reasonable d roe of irate ri could net t>B im Iled the com arable was disre rded. This tential for disregard o1 a comparable based on insutfrcierr conflictin rtlisst or eus t data could undersfandabl cause an otherwise ve good relevant comparable not to be used. The a aiser assumes that there are no structural defects hidden Floor or wall coverin s or an other hidden or tine even[ condillons o} the ro e -that all mechanical e i ment and a liances are in ood workin condition and that all electrical components and the roof are in _ satlsfacto condition. K the Client has esfions arrlin these Items it the GSient's yes sibifi to order the a ro riate ins coons. The a Isar does not have the skills or ez ertisa needed to make such ins coons. The a raiser assumes no responsibility for these items. The wb'ecYs a raised value Is less then the redominate net hborhood ran e. The suh'ect is no! considered an underam rovement and the redominate ne' hborhood ran a has no adverse attest on the subject's marketability. The su 'gist ro e is aver twen ears dd and has been maintained and/or u dated over [he ears. It is marketable in it's resent condition. The effective a e is no[ within 5 ears due to re tiler maintenance and/or u ales of [he e The a raiser has r arod this a sisal in full com liance with the Home Valuation Code of Ccmduct "HVCC" and to the appraisefs knowled e- has not dormed artist algid In or been associated with an activi in violation of the Code. Trac Sammons as the assistant to the a raiser has dormed a sisal assistance includin data en on rhea talsal re com ara6fe searches in con unction with the a raiser as well as verified throw h courthouse records and/or agents involved, the com ambles ultimate) ovidad b the a aiser. This assistance is subject to final reconciliation b the rinci I a raiser signing ffia appraisal report Tho subject does not have access to ublic water lines. M the market lace havin rivals water does not Have a n alive effect on ro rt values. The a raiser has not been made aware of an announced tans W rovide ublic water lines to the property, The a raiser did not note an vts(bla evidence d see a or contamination. The lack of ubf c water is common to the area and does not edversal effect the su6'ecYs marketabili -- . . s. -- -_ ~-[:.,-V _'."-CO Si'APPROACH TO VAWE(noc ~ ui'red ~ FarrPie Htae}.. ~c't-`.°': ~'...,:,. ,i,~- - ~ .: ~_ - t - Provide a to vtlormatim In the Ir'rderidiere to replicate Vre Oebw cost ( ryes and caktAatims. Support fa the option d sie vakrc (summary d rontparabk land sales a Wry n7rStnds to eslimatirtg sae vaY.eJ O in ion of site value is based on the the allocation method as there was a lack of viable market data to determine an o inion of site value. ESTIMATED REPRODUCTION OR REPUCEMENT COST NEW DPWION OF SITE VALUE ......... ...... ......................... • S 46 550 Sarce d mst dare Dwdf 1 120 Sq. FL @ i ............ - S 0 OuaC r Iron cost servie Epeetive date d cost data Bsmt: 1 12D Sq. Ft ~ S ............ - S 0 - Corrrtre~us m Cost A am M area rahrlabat5, depreciatim, do See Attached Addendum • Gar dCarpon 0 5q. R ~ f ....... - S 0 ~ Taal Esttrrtate d Cost-New ............ - S 0 Less 50 al Functional Enarul De eriation - S 0 ' toy Cost d Im ovemeru ................................. S 0 'As-a"VakfedSae kn ovemertts ................................-S Estinated Remaini Economic Life NUD and VA onl 30 Years INDICATED VALUE BY COST APPROACH ...................... - S 46 600 rfr. Tr-L,~ „5.. .e. i -m'Ss _.~ms ratL :Y' R4e.?3dc~.INCOME APPROACH TO VALUEIrxxr loved - Fannie Mae).::_i., c ,~._t ,.y-~- - •~-''_- ~ Estimated Mach Mxket Rera S NIA % Cross RPrn Mutti lien NfA = S NIA1 Indicatetl Value by Income Approach Summary d Irrrnme Approach (including suppm for market rent and GRkTj r>•... ..:d.b.4r!A..I'.~' ...-.. h .~>,-... 51,'_G.YL r.a'r.~~=.?:..PROJECTINFORMAiION FOR PUDi (3(` ~ cable r~ ^ ~'."';;;'. "7~5:''.,.w'.. ,;l. +r~v^e,..~~:s ~-ft6 ~: ~' Pi's. is the de+cb IWilder in cardrddthe Ho:nearmers'Association A? Yes No Una 5 Detached Artachr~ Provide the fdbwinp inlomation la PUDs ONLY H the developMibuilda is in r4naol d the HOA and the subjep property is an attached dweair>Q unit L al named "ca Tdal rwmber d aces Toal number d units Total numbts d units sdd Taal number dwils vernal Taal iexrtber d tines to sale Data saaccts} _ Was the 'at created the conversion d an ezisti pvidiro s imo a PUD? Yes No M Yes, date d cnnve siori. Does me coaaina muti4wH( r+ms? Yes No Data swrc sl Are Ne uritz, common elemeNS, and reoeation farJfities conplde? Yes No h No, describe cre stays d compde+iort. Are .l+e mrnmon elurwrcs leased ro a 6Y .he Horreo..,,eri Assoc utwn? Yes No H Yes, describe the vernal terms ant optioriz. -- DPSmpQ Common elanPlt6 and ICQP.aliMdl 1ad11b e5. m-we anZ3r PR7.~ ~r}.me.n rs.e use ivm lmr LLsm 1tI15 Pg 7 d6 ypr ~~gm SUMMARY APPRAISAL REPORT 3957684 Uniform Residential Appraisal Report rieNo ti-0067 This report form is designed to report an appraisal of a one-unit property or a one-unfit property with an accessory unit: including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of wodc to include any additional research or analysis necessary based on the complexity of this appraisal assignment Modif~caUons or deletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual inspection of the interior and exterior areas of the subject property, {2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable public andlor private sources, and (5) report his o: her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the W_nder/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lenderlclient DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a spedfied date and the passing of UUe from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; {3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of finanr5af arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or ueative financing or sales concessions' granted by anyone associated with the sale. 'Adjustments to the comparables must be made for special or creative financing or sates concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Specal or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calwlated on a mechaniral dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the fnancing or concessions based on the appraiser's judgment STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraisers certification in this report is subject to the following assumptions and limiting conditions: i. The appraiser will not be responsible (or matters of a legal nature that affect either the property being appraised or the title to rt, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will net render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is inGuded only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because [he appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific anangements to do so have been made beforehand, or as otherwise required try law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in performing this appraisal. Unless otherwise stated in ttris appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of 1:he property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc,) that would make the properly less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation wndusion for an appraisal that is sr.~bject 1e satisfactory completion, repairs, or alterations on the aswmption that the completion, repairs, or alterations of the subject property will be performed in a professional manner. rAe~,.e ~,.,,~ nn .m..~, am zr a-> ......e...e o... Paq^ ~ C 6 SUMMARY APPRAISAL REPORT 3957684 Uniform Residential Appraisal Report Fite No. 11-0067 APPRAfSER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal repo R. Z I performed a complete visual crospedion of the interior and exterior areas of the sulijed property. I reported the condition of the improvements in facWal, specific terms. I identified and reported the physical defuciencies that could affect the livability, soundness, or structural integrity of the property. 3. i performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal repoR was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. t researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed, and reported on the prior sales of [he comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject properly. 8. !have not used comparable sales that were the result of combining a land sale with the contrail purchase price of a home that has been built or wiU be built on the land. S. I have reported adjustments to the comparable sates that reflect the market's reat~tion to the difterencr_s between the subject property and the comparable sales. 10. I veri`~ed, hom a disinterested source, all information in this report that was proviried by parties who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and experence in appraising this type of property in this market area. 12. I am aware of, and have access to, the necessary and appropriate pub/ic and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report tram reliable sourrzs that I believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, bu! not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental condtions, etc.} observed during the inspection of the subject property or that I became aware of during the researLh involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject ProPertY 15. I have not knowingly withheld any significant information Irom this appraisal report and, to the best of my knowledge, atl statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report cry own personal, unbiased, and professional analysis, opinions, and contusions, which are subject only to the assumptions and IimiUng ~nditions in this appraisal report. 17. I have no present or prospective interest in the property chat is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partiafty or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the ::object properly w of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for pertorming this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting} a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event such as approval of a pending mortgage loan application). 14. I personalty prepared all contusions and opinions about the real estate that were set forth in ibis appraisal report. If I relied on significant real property appraisal assistance from arty individual or individuals in the performance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and distosed the specific tasks performed in this appraisal report I certify that any individual so named is qual'fiied to perform the tasks. 1 have not authorized anyone to make a change to any item in [his appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for iL 2D. 1 identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. r„~ u,~ rte, ro u..a~ uis .~.~ ,...o .,a.e..~.. ao n. w......~...e ~,., r,-.<w. r~ rm~ u.a tcm "9° ~ ~ . ioM to wcsw SUMMARY APPRAISAL REPORT 3957684 Uniform Residential Appraisal Report tuefa 11-0667 21. T7e tender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or otherjurisdicfions; without having to obtain the appraiser's or supervisory appraiser's (if appBcable) consent Such corsent must be obtained before this appraisal report may be disclosed or disc ibuted to arty other party (including, but not limited to, the public through advedising, public relations, news, sales, or ocher media}. 22. f am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain taws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the rnquest of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government sponsored enterprises, and other secondary market participants may rePy on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was Vansmitted zs an `electronic record' containing my'elecVOnic signature,` as those terms are defined in applinble federal andlor state laws {excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both untler the provisions of Title 18, United States Code, Section 1 D01, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifia_s and agrees that L I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraisers analysis, opinions, statements, conclusions, and the appraisers certifir2tion. 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law, 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record' containing my 'electronic sgnature,' as those terms are defined in applicable federal andlor state laws (excluding audio and video recordings), or a facsimile Vansmission of this appraisal report containing a copy w representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER Signafure~ Name Michael P. McCauley Comparry Name Real Estate Valuation Advisors Company Address PO Box 689 Camp Hill, PA 17001 Telephone Number 717-740-1501 Email Address reva.accounts(~comcastnet Date o1 Signature and Report 02124!2011 Effective Date of Appraisal 02l2?J2011 State Certification # RL003411L or State License # or Other (describe) State # State PA Expiraton Date of Certification or License t>613012011 SUPERVISORY APPRAISER (ONLY !F REQUIRED) Signature Name Company Name Company Address Telephone Number Email Address _ Date of Signature State Certifiration # or State License ~ Slate Expiration Date of Certification or License ADDRESS OF PROPERTY APPRAISED 4 Chester Road Enola, PA 17025 APPRAISED VALUE OF SUBJECT PROPERTY $133,000 LENDER/CLIENT Name Company Name PNC Bank -'Neatth Management Company Address 397 State Highway 121 Bypass Flnail Address nea..a ~..,a as .a...... mo:.s. rim.... v..e m„ Pye6d6 Real Estate Valuations Advisors SUBJECT PROPERTY ^ Did not inspect subject property ^ Did inspect exterior of subject property from street Date of Inspection ^ Did inspect inferior and exterior of subject property Date of Inspedlon COMPARABLE SALES ^ Did not inspect exterior of comparanle sales from street ^ Did inspect exterior of comparable sales from street Date of Inspection 101 Ilsp~ a$ mw m muacv SUMMARY APPRAISAL REPORT Uniform Residential Appraisal Report 3957684 F~~e No. 11-0067 FEATURE SUBJECT COMPARABLESALE N0.4 COMPARABLE SALE N0.5 COMPARABLE SALE N0.6 4 Chester Road Address Enola PA 3 Riverview Drive Enola PA 856 Magaro Road Enota PA 9 West Dulles Drive Cam Hi[I PA Prmim m --- - _--'- ` 0.61 miles SSW 0.66 miles WSIh' 1.36 miles SE Sale Rie T - S 157 000 `'==i=--'--_,. _~ i 13d 900 - - 5 152 900 Sale PrimGross Lir. ken S 0.00 .h. s 141.82 K :: '.~ ~~ - -`- S 108.09 K '`s-'r'-=' _-: -. S 125.84 .h. `-"=._~~= ~".'. Oara s _ _ - .. k4LS# 10494822 MLS# 102D2962 MLS# 10198775 vgcrcacm 5ourc s ' ~"''~ ' =~'~"' y ~ Tax Records/ML5 Tax RecardslMLS Taz RecordslMLS VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION ,I~IS DESCRIPTION .NS .rce DESCRIPTION .IJs Sale or Furarnog Concessims ~'_3~:5 _>=.3'?4'.j;_;:,~' ~- -tit:--,.:_F--~+=t.. FHA - 17 DOM 3D00 CCPD Active Listing T2 DOM Active Listing 186 DOM Date d5alelrime ~`% =' - u5~~~'~ ~.-' 08105!2010 WA NIA Loratlrn Suburban Suburban Suburban Suburban LeasehdNFee Simoie Fee Sim le Fee Sim le Fee Sim Ie Fee Sim le sne .35 Acres _97 Acres .20 Acres .21 Acres vrew Avera a Avera a Avera a Avera e n 5 let Ranch Ranch Ranch Ranch Oua dcnr<smu~a, Avera a Avera a Avera Avera e Aural 1973 1963 1985 1969 Condnion Avera a Ave ra a Avera a Avera e Ahore Gratle tur eaw axin Taa ~ e.es ray eairs eana tu,1 ae,m aw,s Room Carn 4 2 1 5 3 1 6 3 1 S J 1.5 -500 Gross ' ' ae 15.00 1 120 . h~ 1 107 . tL 1 248 h. -1 920 1 215 rr -1 425 Basemen s Finatxd Rooms BebvGrade Futl/1120 Sq.Ft Unfinished Full Fami} Room -3 500 Full Famil Room -3 500 Grawt Space N1A 7,645 Eunaional LJtili Avera a Avera a Avera a Avera e NeatirglCooti Ade !Central Ade !Central Ade !None 2 000 Ad !Central E Etrrcern items None None None None tiara etCa 1 C C V1 C Att 1 Car Ca rt 2 000 None 3 000 None 3 000 PorcNPatidDeck Cov Frt Porch Front Porch 1 000 Front Porch 1 000 Fron! Porch 1 000 Other None Deck -500 Deck -500 De[k -500 Other None FEre lace -1 SOD None None Other A fiances A liances A fiances A liances Net A vmrsa ota = " _ fsiiis~ _; ='~': S 2 500 X t S 80 T 9 220 AdjuAeE Sale Price - dCtrr+t>$zdes _n~'z~-3T__r~~, ';x=r=-==_"'^._z_'.:_ Nel Adj. -1.6% Cross $.4% S 154SDO Net A6,. 0.1 % Gross 8.8% S 134980 Net Adj. fi.0% Gres 9,2% I 162120 - ITEM SUBJECT COMPARABLE SALE NO.4 COMPARABLE SALE NO.S COMPARABLE SAlE N0.6 Oared Prior SalrJTransier None in ast 3 ears None in ast ear None in p ast year None in ast ear Pried Ftix SaldSrartsia SD SO J 54} - oataSourels CourthouselMLS Courthouse/MLS Courthouse/MLS !CourthouseiMLS E9eaive Gate d Oats Saxt s 02!2011 0212011 0212011 ~ 0212011 Summary d Sales ConQarison Approarn rrmc ra,c r our ro way am e~.r wy ~t+r~.v.. ~u..r.. 3957684 ADDENDUM Fife No. t ~-0067 0 3703120 9 9 The appraisal report was completed retro active with an as of the date of death of 0 9 12 4120 1 t. .wmu+n reyc i ~ ., 3957684 ADDENDUM Flle No. tit-0067 Comments on Sales Comparison In an effort to provide the client with similar style dwellings that were considered similar in square footage, age, and amenities ii was necessary for the appraiser to expand his search in such a way that it exceeded the client's recommended time guidelines of 6 months and distance guidelines of one mile, due to the lack of comparable properties found within these guidelines. Comparables #1 through iY4 are closed sales and Comparables #5 through #b are active Eistings being included in the appraisal report to show the current market conditions for homes considered to comparable to the subject that are on the open market, as of the effective date of the appraisal report No weight was given to these Comparables, as they may become expired and/or withdrawn from the market and not settle and become sold Comparables. They are for the client's review only. Although some Comparables may be located on opposite sides of a heavily traveled arterylroute, they are located in a neighborhood that is considered to be a competing areallocation andlor neighborhood. Sellers paying up to 6 % of buyers closing cost Is common to the area, and not always accurately documented within the local MLS. It is common and typical for sellers to pay up to 6% closing cast within the market area therefore, no adjustments were made to any Comparables having closing cost listed, unless it exceeds what is common and typical for the area. Active Lislings were not given any safes to list price ratio adjustment and Comparables having sold over the past 6 months were not given a TimelDate Adjustment as market research did not reveal any signif"icanf increase or decline in property values over the past 12 months. In the subject's market place it is common not to adjust for any acreage difference less than 1/2 acre. The tack of this adjustment to the Comparables would have no impact on the subject's marketability or future value. No adjustment was given for lot size on comparable number four due to it having access to all public utilities. No age adjustment was given on Comparables, as it is the appraisers opinion and experience that homes built in this time frame ,within the subject's market area, are considered to have been r_onstrucfed with similar materials, amenities and construction methods. The gross living area on Comparablels #1 is greater/less than 20 % of the subject's gross living area; however, this was necessary In order to provide a two bedroom, ranch dwelling and appropriate adjustments were made to compensate for this difference. Due to the lack of Comparables found having similar amenities, it was necessary to include adjustments across the board. Efforts were made to find relevant, comparable properties to avoid making across the board adjustments; however, none were found. .~.=s=, .~ <.. 3457084 ADDf31DUM1R F[{e No. 7 i-0067 Cost Approach Comments The Cost Approach is not required by Fannie Mae, therefore, the Cost Approach has nat been deve{oped due to e unreadability and diffcuMy in accurately estimating fhe accrued depreciation in homes of this age. There is a general consensus among Rea! Estate Appraisers and professional appraisal organizations that the Gost Approach Method of valuation is rendered ineffective when attempting to value homes of this age. K is therefore, considered prudent for the appraiser not to Include the Cast Approach in the report Insof.•~r as, it may actually be misleading to the client nnool eN LOCATION MAP Ci . Enola " Lender: PNC Bank -Wealth Mana ement -J 1--~ tr ~ 'mil -..,:-c,,,,y~ } ~5`~ .: ~ ;_. '~ " i` ~ ~~ ; ~ s.~ ---, ,' 1 ~ r 1 -~ _"~~ ` /`'~ ~ , y -~ fit"' ~f~~~ ~~t~ ~ 3'"= + ,; , ; tF , i ~-_- i (~ ~ T~ ~ A Comparable Sale 2 ~` - i;E ~x~~«, ~ /{rg~t'' ~ F~ r ~ i;.- 54 Sharon Rd ~~ _ '~ ~ ' fir!-~~'~ £ :F; ~Lfe'.=if•,.1 Enola; PA 17025-1826 ~-~ ~ti '` ++.~,,' ~^^-~-~ ~;~~Jt~t,• 9. ~~ r~ f -- _~ (0:77 miles YJ} '~ry,,~e i ~ {Z c =i^'~ s!E i . '\' ~ y f~~~E-~ti5 ~t .~ ,~ ( _ ,. ,;,=w -.:;. , -- y~i ~ o `til, -ham ~Ft~ ~~~~ ~,.. ~ '~.~.: ( - :.°_ - -.~ ~ -t ,~.. y ~. ..fir _ F ~., ` - '+ ". Subject - ~ rrc "' 3 a u ~; 4 Chester Rd -' ~~~; ; ~_~i~-! L f ~~'c~ - ~ ~ ~ ~ - ~~` Fsola, PA 17025-2039 -~ ?, ~`1`~-~ rx. - ~ fi 1 ~ ~ {r m-: ~ ~ `f 1~ I yfi 4? .3 ~ y ~{.~ t ~ ~ - .. ` 1 y"~ .r'„ ° ,#' { l.1 1 "f` F~r.M:eo~o ~ .; e.,,l. _. F x~ - i I t ~.I x. -'`i I.e,.ay . ~- -x .`s-r ~c,~ eat ~'A ~ ;~' ~~ syyc qq f _.'~ / ;~.,'^s} , Jja,~.t-~ .~--. t, \i~ ~ cam.,. I i~ 4,F .-.. ..._ ~ Comparable Sa{e 3 F -- j: ;,. ~``'~`--t ~1.~0" `~ d~r ~ L~'' t~,~" ~ ~~ ice= 1 E Glenwood Dr ";' Comparable.Sale 5 '~ >r~ `;~~~ ,~ ~~t , ~.4~s~~~~a ~~ Camp H~II, PA 17011-1137 ~~i 1 856 Magaro Rd ~~` ~,,,~, ~ ~~~ ~x ~~ ~ ~a ~ ~ ',- (1.25 miles SE} ~~: Enola, PA. 17025-1920 '1 ,,~~ ,~ f. .,.q..H ~ ~ ~`; ,tic`Z-.i ~x~p;a ~°' -+ra ,sstc ~ s P` g (0 66 mites WSW) ~ + A *° ~ ~ ~~ c'" ~ t '{,'"' }~'''~+~`~ - ,L -- i { ~'7~'-. t;2,ucal 1 ~ .+-z z~` ° w..~r .~. ~ ._ 1~~vc1 ~1~~1 S-t'~ . Y _ ~ , ,..~ ~(~ ` ~ Jam] 'lS ~~1 ~ ~ ~LLL ~-1 - a ~ ~ ~`. ~Y 7. - ~ y~ \ ~~r l~ :,i A. I ,- '~ ' „ z `~ .~ j } -~' oil' i ~' .~ ~;;. ~ tit- ComparableSafe 4 ~f- , `4 y "'°" t, ° ~V * ~~ ~` Y ~4 ;: ~.~ -~vC , , t 3.Riverviev~ Dr. ~ •^ v _ , '~ ° ~,` .~ '~ r'~°'Mr x ~ ,~~,.'° k Enola, PA 17025-2646- Js;~, _r'~ ~~ ~~ ~ n~L ,,,.; {-- ~ wa .,~~ ~" ~ (0.61 miles SSW} '°-,, a. .. ~~ti~?~" ji ~~'~r'" ~~ QQ}` : .,,tk ~ ~ . _ ~ 1\~. Comparable Sale.6. „/ _l ,T~h' ~F`,~I ."~.,,--~> td-,~'`,~~~,,. ;;~;.>~'~ ~9DullesDrW ~-~=_ -. : _ .' ~~ j ~ ~ ~ ~' ~} t~~` ~ '~~~ ~ Camp bill, PA~ :L701_i=1111 ~, ~~ } r :~~,~ ~ . ~~-~: ~ ~ f ~ ~`c,r,J rr ~~, ~' ~ (1.36 miles SE) --5'{i ~~. 5 } r 1~ ~ ,. 'S~ 4P..S ;yjSF ~ -~l ~ ~P .q ~-k ~,tt\r~ ,~S FIf'~ y~ .j}+s ~~-t ~ ~ ~ e ~~tti'~ !~ - 3 ~~ tL ~~~ ' ,t~~a .~l "--11 i~ 'r• !f ~~. !` ~~ x'44' ~'~" ~ ,,~ 1} a ~ ;', , .~~, c ~i =' ~-'>~',~ [ omparable Sale 1 ~ ~ t~'~! ~~ ~ -~' ` ~ .t. j `~ `4~, ~ ,~' { r ?; ~~. ' ~ ~'~ ~t4. Circie Dr v~,a-'s ~-1', s1 a f . I[ t r , ~' ` ~;Q? cr r~ , ~ ~-~*,~~«~',. ~~L~~ Camp HiH, PA .17011-2607 ~, f "'°'g T ~, :ti Z~~~ ;~ :1Y~'r. `~c. "F ~.- (3-07m+les'S) ~,~, 3`' Y`~. ' 4.~- ,, ~1 ~ ~ ~, .-fit ~ ss, ~ ~ ld s '+ ^ . ,r~ A~t ~ ~. ~Sy :1` ~ -1 7 ~ -.7.= s } .~ ,tr ~u r+ ~-}•f rr..h 1f,14~ y -" ~ 4 ~1 1 14 ~. { aY° ~~ F P.. y ~Y 1' 39~tiyi r a a -,k rt ~ - t LI ~f~ 2 t• ~ -s' s.i~ r S ~ fk: ,,__ t L Y r, ¢..r~ _ w... + ~.~„~ • ~~'+;~ fir/ ,~'~I`t,..,+ ~~~ ~~`'`~~~~Fl~vj ~ w . l~ ~.~~ >L °'r~ ~Sr f ~~ r'"~'tia ~i~`~~~a~~~/ s'f 'c~ , r ~~~_ ! ~[wl , ems-" ~1 ~~' ;?~ ..~`. ~ '-''r {~ yiti. ~...+.' ~i ~ -. `. 6~ti* 4'e.t ~ F~~rw. ~ 1i ~~s++e',.i sir (~ ~ '~` _ rt'q ~ L.,.~";'~m'9ral*1 n ~'r ( ~ J ~ I + D ~ V~ J'~3yr! e- . ~ % f r 1.._,r ~ .~ ~'+.~ b' .T f ,~- , _ ~ ~.:,,~~r. 3333• ~~ f '~.^,~w, ~, ~ ,'.~ Hv.M haaY 5 ~ F1 }J~yl N ~.~ ~y_/''•yJ 1T,b Mt ~ LO~~w.hFt 1Y14 ~T~-.-G~ - ;~ "~ 3t ~;- i d',^:~~ ~ _ C d `.}-a~o.ar'~.iy ~ ~ b"e5~'~- ~ ~' Tie. ,u~. ~ ~4 t_ , ~~ ~ '_~'+i ~ L ~'~ ~ ~~ ~. •J- a t? r~r+v,.r+r ., r 4 -~ewr l 't~. l,~ ~ ' t ~ ~\~ ~ ~"'n . ,.'-' F .. _ ~F~ '} ' Get iw~> ~. /.'4S: ., 9d""m'°"" S.h~ ^{ e>'.i ual'~/ ~.,1 - ~ lsv~hl ~,,,,~~ f f - - ~ t ~= ,' ~~~4~ s ;,~~ s ;~L~* j ,f r I , ::J.LiJ it/!'J3~rt i~' ~i! ( ~f' 'JI'aa ~q ~ _ _~'1 ~ f ~~ i ~ J-J1JtJ eft=_ ,'C +~~ :S' I -. , a~ti.cua `~.4~~dr'~ y~.- Y/ /'c'am t `4 .L~-- PO BOX 689, CAMP HILL, PA 17001 SUBJECT PROPERTY PHOTO ADDENDUM Borrower: James R. 8 Eleanor Kunkle File No.: 11-0Ofi7 Pro e Addres5:4 Chester Road Case No.: 1957684 City Enofa Staie: PP. Zip: 17025 Lender: PNC Bank - Yrlealtfi Mana ement ~k _ _ _-- - r~_- - ", - ' Yi ~.~ ~ i L _~~ _4 ~' `~4 r :. ~- iFG ~_ yy 3 V P^ - ~, -} ,;, e~~~ ~L L ~.~~ . ;~r~Er- ~ ~~. -.ate FRONT VIEW OF SUBJECT PROPERTY Appraised Date: February 22, 2011 Appraised Value: ~ 133,000 REAR VIEW OF SUBJECT PROPERTY STREET SCENE COMPARABLE PROPERTY PHOTO ADDENDUM File Na.: 11-0D67 r. James R. ~ Eleanor Kunkle Case No.: 3957684 Address:4 Chester Road - Stale'. PA Z ota PNC Bank -Wealth Management COMPARABLE SALE#1 34 Circle Drive Camp Hill, PA 5812 Date: 11116!2010 Sale Price: 5 1zs,DO0 COMPARABLESALE#2 54 Sharon Road Enola, PA Salt Date: 1 210 712 01 0 SaIC Price: $ 134,900 COMPARABLE SALE#3 1 East Glenwood Drive Camp Hifl, PA Salt Date: 05l28I2D10 Sale PricC: 5 146,500 ' COMPARABLE PROPERTY Pt-4070 ADDENDUM FileNo.: tt-0067 Borrower: James R. & Eleanor Kunkle Ca5° Na.: 3957684 Pro ert Address:4 Chester Road Slate: F'A Zip: 17025 Cit . Enola I ender- PNC Bank -Wealth Management -__ -_ COMPARABLE SALE#4 3 Riverview Drive Enofa, PA Sale Date: 08IOSr2o1D Sale Pricc: S 157,000 COMPARABLESALE#S 856 Magaro Raad Eno]a, PA Sale Date: NIA Sale Price: S 134,900 COMPARABLE SALE #6 9 West Dulles Drive Camp Hill, PA Sale Date: NIA Sale Price: 5 tsz,9oo r- r ~ O O O * * * * * * x * * x s ~ s x e ~ e e + ~ ~ ~ ~ s x e ~ « ~ N N Z ~~ c- r ('~ O +-~+ ~ ~a. (S7 (.() IS7 OD ~ CO Cn O) Cf) O O O r •- ~- N N N d' d' d M M M M C7 M (') M M C~ (~ M 'r- N N N N N N ~~ ~ O~ r y N N N N N N N N N N N N N N N N N N ~~~ N N N N N N ON N N N N N N~ N N N~ N N N N N N N N N N~ N ~ Q~ g r r r r r r d' d" ~ (n c1~ tf7 M M M M M M +~ c0 c0 07 ~ 00 oD Cf') (.() (n (D CD (O ~ R 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ~ C C +'~U LL. ~ 'C L ~l yJ ^ L.l_ N L.l. ~ ~ r r r c- r r r r r r r r r r r ~- r r r r r r r r r 'c- r r r y r r r r r r r r r r r r r r r r r r r r r r r r r r r r r ~- +•+ i~+ 0 0 0 0 0 0 O O O O O O O O 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 C t4 N N N N N N N N N N N N N N N N N N N N N N N N N N N N N N K~ 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 d Z o 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 .a o 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 \ \ M M ('7 M M M O O O a0 a0 00 ~ O CO ~~~ N N N~~~ M M M Cfl CO CO ~ M ('') M M M M 0 0 0 CO CD Cfl ti ~` ti M O M M M M N N N N N N . ~ ~7 ~ l.() t.() (.C) d' ~ d" M M M M M M M M M M M M M M M M M M M M M \ \ \ \o \ \ \° \ \ \ \ \ \ \ \°. \ \ \ \ o ° 0 ~ 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 o a o 0 0 0~ 0 0 0 r O O O O O O O O O~~ d O O O O O O CrD ~ Cr0 ~ O O (O CO CO CO CD Cr0 ~ ~ ~ - - ~-~ ~ r N N N N N N ~ rt d- V" V~ V ~i' d- d' r r r r r ~ r r ~ N N N 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 c) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 c> 0 0 0 0 0 0 0 0 N N N N N N (D CO (D d' d' '~ CO CO CO O O O N N N aC) oU ~ C0 (O ~) M O M C(7 ti7 t1') C`J N N M M M CA CP O O CA (A CA O O Cn I` ~~ O O O e r r I` ti~ M M M Q) CO G CO CO Cf) r r r 07 CO CfJ M CO G (D CO CO CO GD CO - id ~ N N N N N N CA CA C)) oD o~ a0 c0 0~ c0 t~ N ti ti N N (SJ (fl O CO CO CD M CO CO L > r r r r r r 0 ~ H? ~ O O O O O O O O O O O O O O O O O O O O O O O O O p O p 0 0 ~ _ 0 0 0 0 O O O O O O O O O O O O O O 0 0 0 CO M CO CO O (D M (O M ~ (n NNNNNNCO(DCO V rtd'OCOOOOON NN tf) (17 (t7 N N N M M M CA O) Cn d O O O O C~ C51 f~ ~ ti O O~ cM- ~~ N ti I` M M M CO CO CO CO CO (D r r r L ~ ~ 00 GD CO 00 00 00 CO CO (D ~ 00 - - - - - r r r (*~ (h M (~ M M N N N N N N •- ~' r r r ~' ~ C tf} ++ ~ ~. ?~ 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 'O O O O 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ~ ~ o0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 _ 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 '~ - - p_, (n ui (n (n (n (n (('i (n (n (n ~n (n (ri (n (n (n (n (n (ci (n (c'i (ri (n (n (n ~n (n (n (n (n L(7 L17 tf7 00 CO 00 (A CA CA O O O r r r N N N d' V~ N N N N N N ~t ~' ~ ~ y Cn 0 0 0 0 0 0 O O O O O) U) CA (~ C~ CA C)) O O O O 0 0 0 O O O~ O ~~ CA O CA O O O CA 0 0 0 0 0 0 6) O) O O) CA N N ON GN NNN NNN N N c0 00 00 00 ~ 00 (f) ~ (!~ CO (D CO O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O d Q ~ W W W W W W W W W W W W W W W W W W W W W W W W W W W W W ZcWO~oWowoWWmrnoW NcW~uW mrW-~aWorncW~~(n(Wn~~tiaWornoWN ~~~ •~ LO (!7 O O r 0 0 O I~ ti ti ~` N ti~ •~• ~' M M M N NNN N N GD OO 07 r r r CA Cn Cn ~- r r r r r (~ 1~ ti to ~ (I") I~ r ti ~ ti ti C)7 6) O O O O V' ~ d' (D CO CO Cn O Oy (f7 (c7 CO I~ r ti O O O ~i ap ap c0 a0 00 c0 M M M N N N 1~ r ti ~ ~ ~ d r r r r r r 00 00 CO O O O N N N M M M~ d' ~' CO CO Cfl 1` r• ~` r r r ~ N N N N N N V ~t '~ V' ~ V ~fJ t.C) (17 LO (.[) CO ~ (.() Cfn to t(1 ([7 (n (S") t.C) O O CO ~,'xxxxxxxxxxXxxxxxxxxxxxxxxxxxx 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 C> O O O O G O 0 0 0 E O O O O O O O O O O O O O 0 0 0 O O O O Cl O O O O C) O O O O O O O O O O O O O O O O O O O O O O O O O O O O p O O p 0 0 0 ~. X 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 O C) O O O O C) 0 0 0 0 d r r r r r r r r r r r r r r r r r r <- r c- <- r r r c N ~ W W W W W W W W W W W W W W W W W W W W W W W W W UJ W W W •~ W W W W W W W W W W W W W W W W W W W W W W W W W W W W W W (n tf) (9 (~ aD CA O -p O O r N M~ (() Cfl I~ M Cn 0 ~- N M I ~ Z r N M d' l() CO I` CO O r r r <- r- r r r r r N N N N N N N N N N M O _ - CI] 0 O ~ (~ Q 7 O ~ O N ~ C O ~ TO-O (ts J~~ ~~ ~.~ ~ (~ _ ~ ~ RS °OZ'~ ~ N~ ~ (6 L O L +~ U p "B + N -6 C C O >~ ~ N N -6 ~ Y Q RS C _ ~ U O Z C O O ~ N `~ L _ • ~ O O _ ~ y . [B C ~w.0 U `OE~n.°- "-~.--~~ ~Q~mc~ ~L c x-a C O O N [6 ~ N ~ ~ c U ~ M N "O W-~~~ ~ t/) ~, U N ~ ~ d) .D .-. U 'p C C O .C C -~ OZ-a ~~ ~ O C ~ U [6 ~ W~rn~Ja O ~ ~. ~r (4a ~ T O C W ~ C O cZ~~J~ ~. r ~~_ ~ `~~~ c~ Uin o 0 0 ~n~cc"- (6 N -- •- ~ ~ -- -a ~ a~ C N N m ~ ~ 7 O C C= d7 O u1 (~ O C to to L Q•`'N 'N U ~ C6 (4 (E X U O ~ ~ W ~ W W ~ C W W c ~ O O ~ a ~ ~ ~ ~~a~m C-~-~U Q (n Cn ~ (Sf ftS 3 ~.~-~~ :~ -a ~ c c c c o O O O ~ ~ ~ ~ N C6 O O N C ~ O ~ O CO C a~ <- N .~ Feb,iS, 2011 '12:05?M PNC BANK 412-105-2747 BPNC February 14, 2011 Carol Koscienski PNC Bank Wealth Management RE: James R Kunkle SSN: 722-01-7670 DOD: 01-24-2011 Dear Ms. Koscienslci: IVc. ~bl~ r• 1 ;:;i:.t.~° ~~G~F '~'Q~C~~,=ill~l~ ~~~ 1 °~'~~~~1 ~~~ ~6' In. response to your request for Date of Death (DOD) balances for the customer noted above, our records show the following: Checking Account Established; 07-10-2003 Account # 5112030717 JAMES R 1{.UN.KJ~E DOD balance: $ 4,792.53 + 0.02 accrued interest Please note that this office provides date of death balances for deposit accounts (IRAs, CDs, Checking and Savings). We do not Pro call 1 8881 PNGBANK (1 888~7622~265) or stop by your local PNC Bank bran h~ any of these items, please office. Sincerely, National Financial Services Center PNC Bank, N.A. Member FDIC This rrsessage is intended for the use of the individual or entity to which it is addressed and may contain information that isprivileged, conftdential and exempt from disclosure under applicable law. If the reader of this message is not the intended recipient or the employee or agent responsible for delivering thfs message to the intended recipient, you are hereby notrfied that any dissemination, distribution or copying of this communications is strictly prohibited. If you have received this communication in error, please notify me immediately by reply or by telephone at 800-762-1775 and immediately destroy this faxed document. Page 1 of 1 3~"I P~' . I L S~"T ~~ - ~~ Estate of James E. Kunkle c/o Linda J. Lundberg, CTFA, Vice President PNC Wealth Management P.O. Box 308 Camp Hill, Pennsylvania 17001 (717} 730-2265 Prepared by: David J. Cordier Ellen E. Miller Cordier Antiques 8z Auctions 2151 Market Street Camp Hill, Pennsylvania 17011 Phone: (717) 731-8662 Fax; (71'7} 731-983Q 7C~k~le ®f C®~t~n~s 1 Title Page 2 Table of Contents 3 Summary 4 Analysis 5 Conditions of Appraisal 5 Certification ~ Purpose of Report 6 Method of Valuation 6 Definition of Value ~ $asis of Appraisal 6 Description 7 Appraiser Qualifications Appendix A Value Listings Page: 2 of 9 ~ua~~nary On March 2, 2011, at the request of Linda J. Lundberg, CTFA, PNC Wealth Management; Y personally inspected the assets of James E. Kunkle, 4 Chester Road, Enola, Pennsylvania. '~a~rie Fair Market Value The Fair Market Value for the property in total is: $3,154.00 This is not the appraisal report. The appraisal report must be read in its entirety. Page: 3 of 9 Analysis Anal3Tsis AlI items in good condition unless otherwise noted in Appen~x. page: ~} of 9 ~ondit~ons of A.pprais~~ The value stated in this Appraisal Report is based on the best judgment of the appraiser given the facts and conditions available at the date of the valuation. The use of the report is limited to the purpose of determining the value of personal property for Insurance purposes. Any additional research or testimony required by the client or the court will be billed at the current rates. Disclosure of the contents of the report is governed by the Standards and Practices of the Certified Appraisers Guild of the America - Certification of Report Na prohibited fee was accessed for this report. David J. Cordier and Ellen E. Miller of Cordier Antiques & Auctions have successfully completed the personal propertS~ appraisal certification program with the Certified Appraisers Guild of America and are members in good standing. This report was prepared in accordance with the Uniform Standards of Professional Appraisal Practice and with the Standards and Practices of the Certified Appraisers Guild of America which has review authority of this report. David J. Cordier and/or E1Ien E. Miller have personally examined the subject property. The statements of fact contained in this report are true and correct to the best knowledge and belief of the appraiser. By: avid J. Cordier, C.A.G.A. Cordier Antiques & Auctions By: Ellen E. Miller, C.~~.G.A. Cordier Antiques & Auctions Page: 5 of 9 Purpose of the Report The purpose of this report is to determine the value for Estate Tax purposes far Linda J. Lundberg, CTFA, Camp Hill, Peiu~sylvania Method of VaIuatio~A The method of valuation used for this appraisal is the Fair Market Value. definition of Value Fair Market Value Under the United States Treasury regulation 1.170-1c Fair Market value is defined as: The price at which the property would change hands between a willing buyer and a willing seller, neither being under compulsion to buy or compulsian to sell and both having reasonable knowledge. Basis of Appraisal Valuation Date The date of valuation for determining the value estimation is January 24, 2011. Date Appraisal Conducted This appraisal was conducted on March 2, 2011. Limitations of Property There were no limitations on use or disposition of this property. Description An itemized list with descriptions is in Appendix A. Page: b of 9 Cf}RDEER ANTIDUES &_AUCTIDNS Cordier Antiques & Auctions was established in 1984. The company specializes in appraisals of antiques, fine art and personal property, estate liquidations and the auction and sale of fore antiques, art and real estate. Cordier Antiques c~ Auctions maintains memberships in the Certified Appraisers Guild of America, the Antiques and Collectibles Dealers Association, Inc., the .Antique Dealers Association of Pennsylvania, the Pennsylvania Auctioneers Association and the National Auctioneers Association. Cordier Antiques & Auctions has conducted appraisal clinics for such organizations as the Harrisburg Area Community College's Older American Days, the Questers, Rohrer Bus Antiquing Road Show Tour, MzIlersburg Historical Society, Friends of Fort Hunter, West Shore Country Club and the Friends of the Pennsylvania State Museum. Cordier Antiques & Auctions is an underwriter for the Antiques Road Show on WITF Public Television. DAVID J. CORDIER C.A.G.A. CERTIF`]ED APPRAISER David J, Cordier is co-ov~~ner of Cordier Antiques & Auctions located in Camp Hill; Pennsylvania. Mr. Cordier has been an antiques and jewelry dealer since 1980 and an appraiser since 1990. David Cordier of Cordier Antiques & Auctions has successfully completed the personal property appraisal certification program with the Certifed Appraisers Guild of America. Mr. Cordier is a graduate of Winterthur Museum's. Winter Institute, a graduate }evel program in American Decorative Arts. David Cordier has attended classes in the fine and decorative arts at George Washington University, Washington D_C. and the appraisal studies program at New York Uni"versify, New York. Mr. Cordier studied the arts and decorative arts in Pennsylvania at Penn State University and holds a Master's degree in Business Administration from Penn State Capital Campus,. Mr. Cordier is a writer for the Harrisburg Patriot News reporting on antiques and related events in central Pennsylvania. He also wrote a bi-weekly feailu-e column "Eye on Antiques" for the Sunday Patriot lvTews from 2001. to 2006. ELLEN E_ MILLER C.A.G.A. CERITFIED APPRAISER Ellen E. Miller joined Cordier Antiques & Auctions in 2400. Ms. Miller holds a Bachelor's degree in Marketing from Shippensburg University and a Master's degree in Business Administration from Temple University, Since joining Cordier Antiques & Auctions, Ms. Miller has been the Director of Internet Sales, conducting research and documentation of inventory, maintaining client relationships and managing an international customer base. She has been responsible for the sale of several large collections via Internet auction including classic automobiles, antique toys, sports memorabilia and autographs. Ms. Miller has successfully completed the personal property appraisal certification program with the Certified Appraisers Guild of America, Prior to joining Cordier Antiques & Auctions, Ms. Miller worked in the printing industry in sales and administration. Page: 7 of 9 r~ppel~da~ r~ Fair Market Value 1. $200.00 Duncan Phyfe Style Sofa. Carved frame with floral upholstery. {:irca 1930-40. 2. $150.40 Two Upholstered Chairs. 1) Carved back chair with tufted upholstery and carved wood frame. 2) Wing back chair with green. uphalsteryand Queen Anne legs. 3. $75.00 Washstand. V+Tithone drawer and two doors. Oak. 27" x 28" x 16". Old refinish.. Condition: Missing towel bar. 4. $25.00 Kitchen Table. Maple. 30"x44" x 33". Circa 1950. Rough condition. 5. $80.00 Set of 4 Side Chairs. Round backs with spindles. Circa 1930-40. 6. $40.00 Writing Table. With one drawer. Oak. Refuiished. 29" x 30" x 22". 7. $75.00 Electric Lamps. 2 Floor lamps, 1 Ceramic table lamp, 1 Ruby glass reproduction table lamp, 3 Small table lamps in bedroom.. 8. $80.00 6 Miniature Antique Oil Lamps 2 in kitchen; 4 in living room cabinet. 9. $450.00 All Pictures. Living Room: D. Adams Rockville Bridge ($75.00); Oil painting signed Burnett ($30.00); Watercolor Rases ($30.00); 3 pcs.. miscellaneous ($15.00). Kitchen: P. Buckley Moss. Amish Buggy. "To Church We Ga." Numbered 803/ 1000. 4" x 21 ". ($1 Z5.00); Barnhouse Farmer Tractor signed 1996 ($75.00); Lincoln print ($30.00); 4 pcs. miscellaneous (20.00); Hall mirror ($15.00). Bedroom: Small prnt ($5.00}; Painting of ducks in flight ($30.00). 10. $75.00 Whirlpool Refrigerator. Side by side. Model ED202K. 19.9 cu ft. Page: 8 of 9 11. $50.00 Everyday Dishes. - Pfaltzgraff_ 47 pieces. 12. $1;200.00 Contents of Shop/Garage Weedwacker -CAS Green machine ($50.04); Cambell Hauser Compressor ($75.00); Car Jaelt ($15.00); Welding outfit and tanks ($100.00); Ryobi scroll saw with stand ($100.00); Milwaukee dill press with stand 3/4 ($140.00); Lincoln Arc Welder. 180 Amp ($100.00}; Craftsman bench grinder with stand ($30.40); Saw Master electric hack saw ($50.00); Waterloo tool box; cart; Benchtop tool box; Twa tool benches; Saw horses; Hand tools including wrenches, vises, planes, hammers, saws, pliers, micrometer, machinist tools, two cixcular saws, aluminum parts; Miscellaneaus parts and hardware. 13. $375.00 Garden Shed Contents. ' 1} Wheelbarrel, Homelite weedwacker, miscellaneous {$75.00). 2} .lohn Deere RX75 9HP riding mower with electric start ($300.00)., 14. $75.00 Whirlpool H.D. Clothes Washer_ 15. $200.00 Aquariums. 11 Small aquariums, 20" x 10° x 1 i "; 2 Larger aquariums, 36" x 18" x 13"; 3 Stands (2' x 4' painted green); V arious pumps, filters, etc. Condition: Unknown. All aquariums used and with ;lass staining, ~~: SAC .2Q Total Page: 9 of 9 __ ^ '~ax Transmittal 'L/LL/LU11 ~:14:1G A!`T Y.~~J/ 1~VVG l,ax ~~z~v~r ~ ~ ~~ ~~~~~! r'~'Ht~ Wachovia Bank Balance Canfim~atian Services P O Box 40028 Roanoke, VA 24022 February 22, 2011 PNC WEALTH MANAGEMENT Refzrenee ID: 3292703 SUB7ECT: Verification /Confirmation of Account and Balance Information provided for: Customer; JAMES R KUNI~,E (SSN# SIC-XIS 7G7p) Date of Death; January 24, 2011 Deposit Account Information Account Account TYPe Numb Date of Death Average Balance Date Matu ' ntY Interest Accrued yTD er Balance O(k"ned Date Rate Interest Irderest Paid ~~ Closed CERTIFICATE OF 619 DEPOSI'T' $28,500.41 1/18f2008 $6.78 $38.86 2118!2011 LEGAL TITLE: JAMES RKUNICLE CLOSING BALANCE: $28530.44 CERTIFICATE OF 346 $28,500.00 1/1801011 DEPOSIT $8.14 $0.00 2/18/2011 LEGAL TITLE: JAMES R ICIINILi,E CLOSING BALANCE: $28536.09 CERTIITCATEOF }~}~}C~6357 DEPOSIT $25,20234 6/11!2007 $8.22 $18.19 2/18/2011 LEGAL-TTIZE: JAMES R KiJNKI,E CLOSING BALANCE: $25224.65 CERTIFICATE OF 811 DEPOSIT $8,35622 3/28/2000 $9.49 $0.00 2/18/2011 LEGAL TITLE: JAMES R Ii"TJNICI_E CLOSING BAI„4NCE: $8373.85 CHECKING }~DOL'}~-}{5839 $6,170.05 1/22/2009 LEGAL TITLE: JAMES R KUNIkJ.E $0.1 S $0.00 2!18!2011 CLOSING BALANCE: $7029.64 CHECKING }~O~-}~ 1904 _ LEGALTITLF,: JAMES R It"iJNIC1.,E 3/22/2010 $1.14 1/18!2011 CLOSING BALANCE: $17341.63 Page 1 of 2 rax lzansmi,cza~ i'i~~icvii z~:lam: ~c Eu-~ rf~~,tr ci vvc ra,x oCl vci Y~~~~~~~ Reference ID: 3292703 "` Date of death balance does not include aa,-rued interest. * If date of death occurs on a weekend or a holiday, date of death balance does not include any transactions that were made during that time pernd Audrey Trautt Servicenter Associate Phone: (540)563-7323 at; at By accepting this inforraatioq the recipient thereof represent and warrants fo Wells Fargo Bank N.A ("Wells Fargo', that the recipient is authorized 6y the custor~r to receive lawfully this infonoation 'Ihe recipient ag ees that it will not duclcse this information to arty third party, uciless compelled to do so by legal process, and that it will ]awfiilly utie this information, The recipient acknowledges that Wells Fargo does not relresent and warrant that the information u complete and accurate. The recipient further acknowledges that the information may no[ disclose the entire relationship between atstomer and Wells Fargo.llre information is subject to change without notice to the recipient The recipient agrees to inderffiffy, defend, and hold Wells Fargo harmless from and against arty claim resulting from the discl~ure and use of the information by the recipient or from the breach by the recipient of any agreement, represcntatioq or warranty contained heron Wachovia Bank and Wacfnvia Bank of Delaware are divisions of Welk Fargr Bank, N.A Page 2 of 2 -r7-a7-vo~/- ~~~b~7~yC CORDIER ANTI~U ES F~ auctions AucTlo~vs AP P RAI S.A~L S ESTATES REAL ESTATE C)FFICES Y151 Market Street, Carnp Hill, PA 17011 (7I7) 731$66 P (i ] 7) 731-9$:30 F ~««e.Curdierrlittiqucs.ann July 15, 2011 Estate of James E. Kunkle c/o PNC Bank, Executor Linda Lundberg, VP 4242 Carlisle Pike Camp Hill, PA 17011 Re: Auction of Personal Property Dear Linda, ~~`,~ sAnIK ~~cr=rvr~~ - ~, ,i ? ~ zo~t IM&7' CPA Thank you for your patronage with us. Enclosed please find the consignor settlement and payment for the sale of items for the Estate of James E. Kunkle. The expenses are allocated on the final page of the report, and we have included the receipt for the clothing dropped off at Goodwill. Thank you for choosing Cordier Antiques & Auctions. If you have any questions or comments, please feel free to call at any time. Regards, t_ David J. Cordier Cordier Antiques & Auctions Encl: Consignor Settlement Check #5124 .S~onsor Consignor Settlement Cordier Antiques 8~ Fine Art 2151 Market Street Camp Hill, PA 17011 Phane:717-731-8662 Fax:717-731-9830 CO #: 2579 Date: 6/23/2Ui 1 Page: 1 Consignor: 1797 Estate of James E. Kunkle c1o PNC Bank, E,:ecutor Linda Lundberg P.O. Box 308 Camp Hill, PA 17001-0308 Phone:717-730-2265 Auction : Onsite Dunkle 6/23/11 Lot# Description Quantity Unit Price Ext. Price Comm/BuyBack Expenses 1 2 SETS SAWHORSES 1.00 5.00 5 .00 -1.75 0.00 2 EUREKA VACUUM Bid Card # 101 1.00 0.00 0.00 0.00 0.00 3 2 KEROSENE HEATERS Bid Card # 100 1.00 5.00 5.00 -1.75 0.00 4 METAL UTILITY CABINET _ Bid Card # 139 1.00 2.50 Z . 5i} _0 , gg 0.00 _ 5 METAL SHELF Bid Card # 130 1.00 2.50 2.5i) -0.88 0.00 6 GE ELECTRIC STOVE GREEN Bid Card # 106 1.00 5.00 5.00 -1.75 0.00 7 HAND DOLLY Bid Card # 130 1 00 7 50 7.50 2 63 0.00 6 WIRE RACKING SHELVING UNIT Bid Card # 136 1.00 2.50 2.50 -0.88 0.00 9 16' ALUMINUM EXTENSION LADDER Bid Card # 106 1.00 15.00 15 , 00 -5.2 5 0.00 10 6' ALUMINUM STEP LADDER Bid Card # 117 1.00 2.50 Z . 50 -o.s8 0.00 99 IRON PATIO TABLE Bid Card # 130 1.00 2.50 2. SO -0, gg 0.00 100 PAVER "COVERED BRIDGES" Bid Card # 131 1.00 15.0C) 15 , 00 -5 . Z 5 0.00 101 HANDFUL OF TOOLS _ Bid Card # 130 1.00 Z . SO 2.50 -0.88 0.00 102 FISHING ROD Wl ACCESSORIES _ Bid Card # 117 1.00 10.00 10.00 -3.50 0.00 103 BIRD BATH Bid Card # 108 1.00 20.00 20.00 -7.00 0.00 104 Tv TRAYS _ Bid Card # 116 l.oo o.oo o.oa o.oo o.oa 105 FOOTED STAND _ Bid Card # 100 1.00 0.00 0.00 0.00 0.00 106 WINDOW FAN --_ _ _ Bid Card # 100 --- 1.00 7.50 Z_50 -0.88 0.00 ----- -- -- - _ Bid Card # 139 Consignor Settlement Cordier Antiques ~ Fine Art 2151 Market Street CC #~ 2579 Camp Hill, PA 17011 Date: 6/23/2011 Phone:717-731-8662 Fax:717-731-9830 Page: 2 Lot# Description C?uantity Unit Price EzLPrice CommlBuyBack Expenses 107 CANE & BIRD CAGE STAND 1.00 0 00 0 Ci0 . . 0.00 0.00 108 Bid Card # 104 CARD TABLE 1.00 2.50 Z . 50 -0.88 0.00 Bid Card # i05 109 COLLAPSABLE CHAIR 1.00 5.04 5.00 -1.75 0.00 Bid Card # 150 110 2 BL STEREO VIEWER SP GLASS MISC , , , 1.00 5.00 5.00 -1.75 0.00 Bid Card # 110 111 CLOTHES RACK & PAPER SHREDDER 1.00 0 00 0 00 . . 0.00 0.00 Bid Card # 100 112 MICROWAVE 1.00 2.50 2 . SD -0.88 0.00 Bid Card # 136 113 TABLE IN BOX 1.00 O. DO 0.00 0.00 0.00 Bid Card # 100 114 BL LINENS 8 TEXTILES 1.00 Z SO 2 50 . . -D. 88 0.00 Bid Card # 102 115 BL PHONE, CAN, SCALES, DRAFTING, MISC 1 00 0 00 . . 0.6c} 0.00 0.00 Bid Card # 104 116 BL STEREO SYSTEM 1.00 5.00 5.00 -1.75 0.00 Bid Card # 130 117 BL HARDWARE, TOOLS, MISC 1.00 0 00 0 0C) 0 0 . . . 0 0.00 Bid Card # 100 118 BL HARDWARE, TOOLS, MISC 1.00 _ 2 50 2 5Ci . . -0.88 0.00 Bid Card # 157 119 BL TRIMMERS, LAMPS, PORCELAIN, MISC 1 00 5 OD . . 5.00 -1_.75 0.00 Bid Card # 123 124 STORAGE RACK 1.00 7.50 7.50 -2 .63 0.00 121 BL ROASTER FISHBOWLS MISC Bid Card # 130 , , 1.00 2.50 2.50 -0.88 0.00 Bid Card # 130 122 8L GARDEN SUPPLIES 1.00 5 .00 5 .00 -1.75 0.00 Bid Card # 166 123 2 EXTEN510N CORDS 8 TARP 1.00 10.00 10 00 3 50 . - . 0.00 124 BL FLATWARE Bid Card # 105 1.00 2.50 2 . SO -0.88 0.06 Bid Card # 136 125 BL PrIISC HOUSEHOLD INCL CANDLES 1 00 . 10.00 10.00 -3.50 0.00 Bid Card # 152 126 BL GLASSWARE, PORCELAIN, MISC 1.00 12 50 12 50 . . -4.38 0.00 Bid Card # 134 127 BL GLASSWARE, SERVING, MISC 1.00 10 00 10 00 _ . . -3.50 0.00 Bid Card # 135 128 8L PYREX, NESTING BOWLS, DISHES 1 00 _ _ . 15.00 15.00 -5.25 0.00 Bid Card # 130 Consignor Settlement Cordier Antiques 8~ Fine Art 2151 Market Street CO #~ 2579 Camp Hill, PA 17011 Date: 6/23/2011 Phone: 717-731-8662 Fax: 717-731-9830 Page: 3 Lot# Description C]uan6ty Unit Price Ext.Price Comm/BuyBack Expenses 129 BL COFFEEMAKER, RADIO, MISC 1.00 Z 50 2 50 . . -0.88 0.60 Bid Card # 117 130 BL GLASSWARE & PORCELAIN 1.00 0 04 a Do o 0 . . . 0 0.00 Bid Card # 100 131 BL KITCHEN INCL BLENDER 1.04 5 00 5 40 . . -1.75 p, O4 Bid Card # 130 132 BL CDS & CASSETTES L 44 2 S . 00 2 5.00 -8.7 5 4.00 Bid Card # 157 133 BL BASKETS, MANUAL CC MACHINE, MISC 1 00 Z 50 . . 2.50 -0 _ gg 4. p0 Bid Card # 121 134 BL COPPER WIRE 1.40 7.50 7.54 -2 , 63 0.40 Bid Card # 139 135 QUILT 1.00 7.50 7.50 -2.63 0.00 Bid Card # 130 136 BL RULERS 8 DESK SUPPLIES 1.00 12 50 12 56 , . -4.38 4.00 Bid Card # 104 137 LAWN CHAIRS, FOLD-UP BED, WALKER 1 00 7 50 ' . . 7.5 ) -Z . 63 0.00 Bid Card # 136 138 2 BL SAW, TOOLS, FRYING PAN, MISC 1 00 Z 54 2 . . .50 -0.88 0.00 Bid Card # 137 139 8L GLASSWARE 1.06 30.00 30.0() -10.50 0.04 Bid Card # 130 140 BL OFFICE EQUIPMENT, EXTENSION CORDS 1 00 7 50 , MISC . . 7.50 -Z . 63 0 00 Bid Card # 117 141 8L HUMIDIFIER, RADIO, MISC 1.00 0 00 4 DCI . . 0.04 0.04 142 BL XMAS CARDS ~ DECORATIONS Bid Card # 100 1.00 2.50 2.50 -o.s8 a.oo Bid Card # 148 143 2 GAS CANS 1.00 14.04 10.00 -3 .50 0.00 $id Card # 157 144 BL TIRE CHAINS, FLARES, JUMPER CABLES 1 00 2 50 . . 2.50 -0.88 0.00 Bid Card # 130 145 2BLBOOKS 1.04 7.50 7.50 -2.63 0.00 146 Bid Card # 130 BLLiGHTS 1.00 2.54 2.54 -0.88 0.00 Bid Card # 166 147 BL CHOPPER, DEEP FRYER, MISC 1.00 2 50 2 50 . . -0.88 0.00 Bid Card # 117 148 BL RUGS 1.00 7.5C1 7.50 -2.63 0.04 149 HOSE &MISC __ Bid Card # 117 1.00 15.00 15 .40 5 . Z5 0.00 --- Bid Card # 150 Consignor Settlement Cordier Antiques 8~ Fine Art 2151 Market Street Camp Hiil, PA 17011 Phane:717-731-8662 Fax:717-731-9830 Lot# Description CO #: 2579 Date: 6/23/2011 Page: q Quantity Unit Price ExLPrice Comm/BuvBack Exrr_nsPc 150 SHOP VAC 1.00 2.50 2 .'.i0 -0.88 0.00 Bid Card # 156 151 WET/DRY SHOP VAC 1.00 1Z . 50 12 . !i0 -4.38 0.00 Bid Card # 156 152 BL TEXTILES 1.00 5.00 5 .00 -1.75 0.00 Bid Card # 130 153 BL SUNBEAM IRON, CLOCK, CD PLAYER, 1.00 17 50 ` 17 i0 6 MISC . _ . - .13 0.00 Bid Card # 130 154 BL KITCHEN INCL ROASTERS, PANS, MISC 1.00 7 50 7 ~ 0 . . -2.63 0.00 Bid Card # 127 155 BL TEXTILES i~ MISC 1.00 2.50 2.50 -0.88 0.00 Bid Card # 131 156 BL JESUS PICTURE & PORCELAIN 1.00 Z . 50 2.50 -0.88 0.00 Bid Card # 130 157 NO SALElPASSITEMS 1.00 2.50 2.50 -0.88 0.00 Bid Card # 130 397 41. BREAKFRONT CHINA CABINET 1.00 100.00 100.00 -35.00 0.00 Bid Card # 137 398 42. GOVERNOR WINTHROP SECRETARY 1.00 15 00 15 00 5 . . - .25 0.00 Bid Card # 130 3°9 43. ZENITH CONSOLE STYLE TV 1.00 0.00 O.OD 0.00 0.00 Bid Card # 100 400 44. BLONDE BEDROOM SET BY VAUGHAN 1.00 270.00 270.00 -94.50 0.00 Bid Card # 130 401 COFFEE TABLE 1.00 15.00 15.00 - 5 . Z 5 0.00 Bid Card # 112 402 MAGAZINE RACK 8 TURTLE STOOL 1.00 2 50 _ 2 50 . . -0.88 0.00 Bid Card # 128 403 OAK LEGAL 2-DRAWER FILE CABINET 1.00 50 00 50 00 17 . . - .50 0.00 Bid Card # 172 404 STAND W/CABINET 1.00 2.50 2.50 -0.88 0.00 Bid Card # 166 405 ROUND SIDE TABLE 1.00 25.00 25.0(1 -8.75 0.00 Bid Card # 130 406 CENTURY SAFE 1.00 20.00 20.OCi -7.00 0.00 Bid Card # 130 407 STOOL 8 GENTLEMAN'S BUTLER 1.00 2.50 2.50 -0.88 0.00 Bid Card # 164 408 2ARM CHAIRS 1.00 20.00 20.00 -7.00 0.00 Bid Card # 117 409 2PLANKBOTTOM CHAIRS 1.00 12.50 _ 12.50 4.38 0.00 - Bid Card # 127 Consignor Settlement Cordier Antiques 8a Fine Art 2151 Market Street Camp Hill, PA 17011 Phone:717-731-8662 Fax:717-731-9830 LoG't Description 410 LOW CURIO CABINET 411 HALL TABLE 8 tAMP TABLE W! DRAWER 412 GREEN PAINTED STOOL 413 ANTIQUE OAK DESK W/HUTCH TOP CO #: 2579 Date: 6/23/2011 Page: 5 Quantity Unit Price Ext.Price Comm/BuyBack Expenses 1.00 25,00 25.00 -8.75 0.00 Bid Card # i 12 1.00 40.00 40.00 -14.00 O.DD Bid Card # 112 1.00 2.50 Z.50 -0.88 0.00 Bid Card # 137 1.00 30.00 30.1)0 -10.50 0.00 Bid Card # 162 CO Expense -load to dumpster - no fee 0 , 00 CO Expense -clothing to Goodwill -see receipt 0.00 CO Expense -pack & load fee ( 100.00) Total quantity: 86.00 Total Invoice Sale Price' 1, 050.00 Total Expenses: { 100.00) Total Commission: ( 367.71) Total Due to Gonsignor: 582 29 Total Payments: 0.00 E3afance: $582 29 Positive Balance, Monies Owed to Consignor COMMISSION SETTINGS Calculate Commission 8y: Each Commission Structure Type: Fixed any Amount 35%