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HomeMy WebLinkAbout11-07-111505610105 REV-1500 ~x `°~-~~'t~'' ~ OFFICIAL USE ONLY PA Department of Revenue Pennsylvania EP,,a,"E"' p County Code Year File Number Bureau of Individual Taxes INHERITANCE TAX RETURN PO BOX z8o6oi ~i ~ ~ - _ ~ ~ (%- Harrisburg PA lyiz8-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 163-30-1513 01 /14/2011 08/05/1927 Decedent's Last Name Suffix Decedent's First Name MI (yE A-l,(,~,-kS-`/ N~ ELIZABETH R (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW ~ 1. Original Return O 2. Supplemental Return O 3. Remainder Retum (Date of Death Prior to 12-13-82) O 4. Limited Estate O 4a. Future Interest Compromise (date of O 5. Federal Estate Tax Return Required death after 12-12-821 O 6. Decedent Died Testate O 7. Decedent Maintained a Living Trust ~ 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust.) O 9. Litigation Proceeds Received O 10. Spousal Poverty Credit (Date of Death O 11. Election to Tax under Sec. 9113(A) Between 12-31-91 and 1-1-95) (Attach Schedule O) CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number Paul D. Daggs, Esquire First Line of Address DETHLEFS-PYKOSH LLC Second Line of Address 2132 Market Street City or Post Office Camp Hill Correspondent's a-mail address: pdaggs@dplglaW.COm State ZIP Code PA 17011 REGISTER OF{V11 ILLS USE ONLY' ~ - '' ~ _} .,, _, _... - i QgTE ~ILED , ~.-' = , , _,-, Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete. Declaration of preparer other than the personal representative ' based on all information of which preparer has any knowledge. SIGNAT F P S N SP BLE FO (LING R RN ~ f DATf !~ ~~ /~ r ~ SI DATE ~ 0~( ~ /V .Z U/ ADDRESS 2132 Market Street, Camp Hill, A 17011 PLEASE USE ORIGINAL FORM ONLY Side 1 L 1505610105 1505610105 ,~ ±J 1505610205 REV-1500 EX (FI) Decedent's Social Security Number 163-30-1513 Decedent's Name: RECAPITULATION 1. Real Estate {Schedule A) ......................................... .... 1. 132,000.00 2. Stocks and Bonds (Schedule B) ................................... .... 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) . .... 3. 4. Mortgages and Notes Receivable (Schedule D) ....................... .... 4. 5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E)... .... 5. 12,012.36 6. Jointly Owned Property (Schedule F) O Separate Billing Requested ... .... 6. 7. Inter-Vvos Transfers & Miscellaneous Non-Probate Property 11 118 39 (Schedule G) O Separate Billing Requested.... .... 7. , . 8. Total Gross Assets (total Lines 1 through 7) ......................... .... 8. 155,130.75 9. Funeral Ex nses and Administrative Costs Schedule H 9. 15,924.06 10. Debts of Decedent, Mortgage Liabilities and Liens (Schedule I) ........... .... 10. 850.71 11. Total Deductions (total Lines 9 and 10) ............................. .... 11. 16,774.77 12. Net Value of Estate (Line 8 minus Line 11) .......................... .... 12. 138,355.98 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made (Schedule J) .................... .... 13. 14. Net Value Subject to Tax (Line 12 minus Line 13) .................... .... 14. 138,355.98 TAX CALCULATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X .0_ 15. 16. Amount of Line 14 taxable at lineal rate x .0 45 138,355.98 1 g. 6,226.02 17. Amount of Line 14 taxable at sibling rate X .12 17. 18. Amount of Line 14 taxable at collateral rate X .15 18. 19 0,226.02 19. TAX DUE ............................................. . . 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT O Side 2 1505610205 1505610205 J REV-1500 EX (FI) Page 3 File Number Decedent's Complete Address: DECEDENT'S NAME Elizabeth R. Augustine _. __ STREET ADDRESS 13 Oak Avenue _ __ CITY _ STATE _ ZIP Camp Hill PA 17011 Tax Payments and Credits: 1. Tax Due (Page 2, Line 19) (1) 6,226.02 2. Credits/Payments A. Prior Payments B. Discount Total Credits (A + B) (2) 1.26 3. Interest (3) 12.25 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Fill in oval on Page 2, Line 20 to request a refund. (4) 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) 6,237.01 Make check payable to: REGISTER OF WILLS, AGENT. PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes ^ No a. retain the use or income of the property transferred .................................................................................... i i ...... ^ ncome ...................................... ts b. retain the right to designate who shall use the property transferred or ...... c. retain a reversionary interest ........................................................................................................................ ..... ^ ^ d. receive the promise for life of either payments, benefits or care? ............................................................... ....... If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death 2 . without receiving adequate consideration? ....................................................................................................... th? ....... ^ ^ ....... 3. Did decedent own an "in trust for" or payable-upon-death bank account or security at his or her dea ....... Did decedent own an individual retirement account, annuity or other non-probate property, which 4 . 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. §9116 (a) (1.1) (i)]. For dates of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: • The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent, an adoptive parent or a stepparent of the child is 0 percent [72 P.S. §9116(a)(1.2)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent, except as noted in [72 P.S. §9116(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)]. Asibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. REV-1502 EX+ (i1-08} Pennsylvania SCHEDULE A DEPARTMENT OF REVENUE REAL ESTATE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Elizabeth R. Augustine 2111-0281 All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property ~~ .--L1- 1.--...I..J......L LLn .nln..~nL L-a'La~ If more space is neetletl, insert aaarcronai sneers or me wn~e nice. REV-1508 EX+ (11-10) ~ Pennsylvania SCHEDULE E DEPARTMENT OF REVENUE CASH, BANK DEPOSITS 8i MISC. INHERITANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT --- ESTATE OF: FILE NUMBER: Elizabeth R. Augustine 2111-0281 Include the proceeds of litigation and the date the proceeds were received try the estate. All property jointly owned with right of survivorship must be disclosed on Schedule F. If more space is needed, use aaamonai sneer or paper or me same sic. REV-1510 EX+ (OS-09) ~ Pennsylvania SCHEDULE G DEPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND TNHFarrANCF TAX RERIRN MTCC_ NnN-PRAgATE PROPERTY ESTATE OF FILE NUMBER Elizabeth R. Augustine 2111-0281 This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes. DESCRIPTION OF PROPERTY DATE OF DEATH % OF DECD'S EXCLUSION TAXABLE ITEM NUMBER INQAAE THE NAPff t~ THE 7RA117.5FfREE, THDA REURIDN519P TO DE0~9Qi AND THE DATE OrTRAtISFER. ATracNnaoaraFTNEOEroFa+RFa-rsrA1E. VALUE OFASSEf INTEREST pFAPRlraeu=l VALUE i. PNC Income Account No. 45479260 (Pufiam Fund Trust - PFLRX) 595.23 100 595.23 PNC IRA Account No. 10564875 10 523 16 100 10,523.16 2. , . Principal Life Insurance Policy No. 3026409 930 50 7 100 7,930.50 0.00 3. . , PayeelBeneficiary: Margaret Rowley (daughter) -listed on Schedule J TOTAL (Also enter on Line 7, Recapitulation) $ I 11,118.39 If more space is needed, use additional sheets of paper of the same size. REV-1511 EX+ (10-09} Pennsylvania DEPARTMENT OF REVENUE ..,,,.-...T...,t r,,,, o~„ ~o.~ SCHEDULE H FUNERAL EXPENSES AND wnur~lTCTDATTVC PACTC ESTATE OF FILE NUMBER Elizabeth R_ Augustine 2111-0281 Decedent's debts must be reported on Schedule I. ITEM DESCRIPTION AMOUNT NUMBER A. FUNERAL EXPENSES: 1' Myers Hamer Funeral Home 9,190.00 2. Tombstone & Installation 2,114.40 397.45 3- Pealer's Flowers 511.00 4. funeral luncheon 8. 1 2. 3. 4. 5. 6. ~. s. 9. 10. 11. 12. ADMINISTRATNE COSTS: Personal Representative Commissions: Name(s) of Personal Representative(s) _ ______ __ _._- Street Address __ _ ___ __ City _ State _-- Year(s) Commission Paid: ___ _ _- pttomey Fees: Family Exemption: (If decedent's address is not the same as claimant's, attach explanation.) Claimant _ ___ _ ____ Street Address ____ __ __ __. __ City __ __.____ State ZIP Relationship of Claimant to Decedent ___ __ __ _ _ _ Probate Fees: Accountant Fees: Tax Retum Preparer Fees: Estate publication Real Estate Settlement charges to the estate Homeowners Insurance Lawn care WaterlElectric Hampden Township (SewedTrash) TOTAL (Also enter on Line 9, Recapitulation) I ~ If more space is needed, use additional sheets of paper of tfie same size. ZIP 0.00 2,455.00 304.50 123.00 113.67 16.00 180.00 369.04 150.00 15,924.06 REV-1513 EX+ (O1-10) pennsylvania SCHEDULE ~ DEPARTMENT OF REVENUE BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: ELIZABETH R. AUGUSTINE 2111-0281 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS [Include outright spousal distributions and transfers under Sec. 9116 (a) (1.2).] 1 • Margaret Bowley, P.O. Box 90, Dauphin, PA 17018 daughter 1 /3 2. Carol Kehoe,1344 Asper Drive, Boiling Springs, PA 17007 daughter 113 3. Eric Augustine, 3624 Green Street, Harrisburg, PA 17110 son 1 /3 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET, AS APPROPRIATE. II NON-TAXABLE DISTRIBUTIONS A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. I $ 0.00 If more space is needed, use additional sheets of paper of the same size. pennsylvania ~ BUREAU OF INDIVIDUAL TAXES NOTICE OF INHERITANCE TAX DEPARTMENT OF REVENUE INHERITANCE TAX DIVISION APPRAISEH£NT, ALLOWANCE OR DISALLOWANCE REV-1548 EX AFP C12-IO) PO BOX 280601 OF DEDUCTIONS, AND ASSESSMENT OF TAX ON HARRISBURG PA 17I28-0601 JOINTLY HELD OR TRUST ASSETS DATE 05-16-2011 ESTATE OF AUGUSTINE ELIZABETH R DATE OF DEATH 01-14-2011 FILE NUMBER 21 11-0281 COUNTY CUMBERLAND SSN/DC 163-30-1513 MARGARET J BOWLEY ACN 11113140 2503 N 2ND ST APPEAL BY DATEs07-15-2011 HARRISBURG PA 17110 {Seereve~seside:~utlerObjectiaus) Amount Remitted ' MAKE CHECK PAYABLE AND REMIT PAYMENT T0: REGISTER OF WELLS 1 COURTHOUSE SQUARE CARLISLE PA 17013 CUT ALONG THIS LINE "~ RETAIN LOWER PORTION FOR YOUR RECORDS ~ REV-1548 EX~AFP C12-Y0) --------------------------------------------------------------.... NOTICE OF INHERITANCE TAX APPRAISEMENT, ALLOWANCE OR DISALLOWANCE OF DEDUCTIONS, AND ASSESSMENT OF TAX ON JOINTLY HELD OR TRUST ASSETS DATE: 05-16-2011 ESTATE OF:AUGUSTIN£ ELIZABETH R DATE OF DEATH:O1-14-2011 COUNTY:CUMBERLAND FILE NO.: 21 11-0281 S.S/D.C. NO.: 163-30-1513 -ACN: 11113140 TAX RETURN WAS: CX) ACCEPTED AS FILED C ) CHANGED JOINT OR TRUST ASSET INFORMATION• FINANCIAL INSTITUTION: METRO BANK ACCOUNT NO.: 32018673 TYPE OF ACCOUNT: C )SAVINGS CX) CHECKING C )TRUST C )TIME CERTIFICATE DATE ESTABLISHED 10-31-1990 Account Balance Percent Taxable Amount Subject to Tax Debts and Deductions Taxable Amount Tax Rate Tax Due 335.75 X 0.500 167.88 - .DO 167.88 V .15 25:18 NOTE: 70 ENSURE PROPER CREDIT TO YOUR ACCOUNT, SUBMIT THE UPPER PORTION OF THIS NOTICE WITH YOUR TAX PAYMENT TO THE REGISTER OF WILLS AT THE ABOVE ADDRESS. MAKE CHECK OR MONEY ORDER PAYABLE T0: "REGISTER OF WILLS, AGENT." TAX CREDITS: PAYMENT RECEIPT DISCOUNT t+) AMOUNT PAID DATE NUMBER INTEREST/PEN PAID (-) 04-05-2011 CD014248 I.26 25.18 TOTAL TAX PAYMENT BALANCE OF TAX DU INTEREST AND PEN. TOTAL DUE 26.44 1.2bCR .OD i.26CR ~ IF PAID AFTER 7HIS DATE, SEE REVERSE FOR CALCULATION OF ADIIITIDNAL INTEREST. ~ IF TOTAL DUE FS REFLECTED AS A "CREDIT~~ CCR). YOU HAY BE DUE A REFUND. SEE REVERSE SIDE OF THIS FOR#{ FOR IHSTROCTIONS. 0 ~ z c N' ~ ~ ~~' $ ¢ ~ a z ~ b Q ~ w ~ y R 7 y<- ° c ti m ~ ~. ~~ ~ ~ ~ '~ ~ ~ m c ~ b N ~ ~ o n ~ ti a n ~ ~ ~ c~ o` A . y ~ n ~ 5 ~ Wiz` °~ ~ ~ ~ A ~ > o '<< ~ o n to {! n ~ ".3 ;; n QR~ F m w~~' V m ~ 0 .~-. ~ ~ ~ ~~~~ ~ ~ ? ~~, ~A N N ~ ~ ~ o cn o ~3 ~ ~ m ~ m m a ~ ~ ~ ~ ~ o ~ ~ o ~ _- p ~ o ~ ~_ ~~ m 3 7- ~ ~ w p1 -' ~. 3 r ~ ~o = N N Al ~ < m .-t 3 d Q- N. N N ~ ~ ~ O N N Ul ~ ~ ~ ~ Q1 O ~ - N Al ~ ~ C ~ ~ N ~ ~. 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Wom' S ~ 3, Q. ~~ ~. -e OD .3+ 3 Q ~ ~ • ~ ~ ~ tfl~ d w C w ~ ur ~ o ~ ~• ~ C .~ (~ ~ 6 ~ Q ~D C ~ y w Z n N C ~ ~ w ~ o o m ~ m - ~ O ~ ~ , ~ ~ 3 ~ n ~ .. ~ s ~ ~ ~ m N ~ O W .~ ; Z ~ n N O ~ + ~ O ~ N ~j ? ~N ~ O fA ~ ~ O C O ~D ~ ~ ~ ~~ ~ Z ~~ c Dm~ m v o 0 X ;mc D ° ~ n n O ~ p~ ~ to ~ C ~ y ~ o C 69 v bA W W N W o ~ .~ ~ rn +- ~ O d V Oo W O ~ O~ ~~r ,~,., W N ~S ~ O a w N n L ~ T O ~V d H ~ ~. c.. W c su ~ ~ W ~ 1 i O 0~3 o_ (~ ~ ~ ~~ 1NVLSTIIlI~NTS ttcrec~ sI1~Ra ua stFc HILLIARD LYONS CUST FOR ELIZABETH R AUGUSTINE IRA 13 OAK AVENUE CAMP HILL PA 17011-4235 l~sset Tran~f er Conf~rmat~on Financial Consultant: J25N TODD PERRY 4242 CARLISLE PIKE CAMP HILL, PA 17011 HiiGard Lyons is pleased to confirm the following transaction. Thank you for the trust and confidence you have placed in us. Dollar Amount Payee or Receiving Account Information Bank Name: CENTRIC BANK $3,514.38 Bank ABA: 03 1 3 1 5269 Bank Account Name: MAGGIE J BO~VLEY Account: XXXX637 ACCOUNT NUMBER: 10564875 TRANSACTION DATE: 02!03/201 I TRANSACTION TYPE: ACH Credit Hilliard Lyons processed the above transaction based on instructions received from you throttgli your financial consultant. Please contact the followhng to address any questions or concerns regarding the above transaction. PNC hiveshneuts Client Service Department: Toll Free 800-762-6111 Account : I0564875 J.J.B. Hilliard, V.L. Lyons, LLC Investments Since 1854 Page 1 of 1 Member New York Stock Exchange; CBOE; FINRA; and SIPC Mail Deposit # 1 - 04/21 /2011 Page 1 of 1 Mail Deposit #1 - 04/21!2011 Check #749665 - $3,592.63 J.J.R. QILLIARD, W.L. LYONS, LLC CHECK NO. RR 0749665 HILIIARD LYt7I~6LYC~I~ I.OUIS~'ILLE, I{k.NTUCKY ~ S1E4/lLR pf,N'YURK SfDCIi i;XC)1~1~C! wN7ni~ DATE 04/04/11 GAY 1C~4Lh18CBp8~0lIDR. tut"= ROIL=D10 SPRZI7G8. P11 !7007 ' OROr"R OAF 1 rwcr.+. re~,~~u.ara~ .~.~--~•-+~ VOED AFTER 18Q DAYS ~;+$3,592.63 ~!~Se~t~ u~Q749665~" ~:t343~pL627~: LUD956~3LL~~' BROKER PURPOSE PNC INVESTMENTS DEATH DISTRIBUTION TOTAL CAROL KEHOE '., ACCQLA+~T" NUM --~9=ff56-4875-1 B ACT#1056-4875-1 CHECK #0749665 PAYEE:CAROL KEHOE ACCOUNT NUM--1056-4875-1 --*****3592.63 04/04T/11 REQUESTED BY--AD7 DISPOSITION:IRA DEPT: SBOLING J.J.B. HILLIARD, W.L. LYONS, LLC PLEASE DETACH BEFORE DEPOSITING https://homebank.psecu.com/DepositImages/PrintDeposit.aspx?i=14867962&n=749665&a... 10/3/2011 ~- 7-. ~ n `~ ~a -~i~ ~ n as ~.' A~ S Q ~ r ~ P ~' ~' ~ P u ~ ~~ " ~,~ ~ ~ 2 ~ ~n^ ~o age" y ~ ~ s °~ ~ R g~aa a ~" z „~ ~ z ~ g ~ ~n~F 3 0 ~ ~ n ~~ ~ aa~ o~ n ~z cn ~ ~- ^~ O Y/ N G C N '~ ..i ~ Q n ~ n v n ~ A ~ ~ ~ 0 ~ ~ C O m G ~p ~ O e v.< ~ o °' C w C' y ~ 7 ~o~~~~ N N ~ ~ N y~ m O t1 ~~+ p~j ~ ~ p1 O rt o ~ ~~ m o -6 ~ ~ ~ o c m m c~ ti ~A O N 7 v ~. 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P e= 'o~~t5 F 1..t fr".tS 3113 ,~ t 7 -~t r+ -_.. ___-_ Her _ ,.... -.r - G n S 11 ,, ..tS~: E' GrJ~I'ly :"78y 3'C^, ~. Wr r...E'F 't f^fTatl r13 h._l'(+n,.a5 3 ..?~ -' I~~.,^ r __. s 7.. i~.3.c ar a K?hne I Esiate of Efrza6e[ft R. Augusirne. ~rtr Mrq ', +sa is rr prv_ Auyyust ne Adnainsrtraror pp 30 ~rry Spring r~A t7C'i?' J3 Oak Avenue €1~tA-~M+74ERt6bk~11t. Aur~usune. Mar~rarrd Howley, Adrrrirrrsrrarrix ; ------ ~ -~..--.. -.-T _ t J aF Avpnert AETNLEFS-PvKDSN iAW GRDUP. LtC. c n~.yyx.PArr9lt I W4ichae4J,Pykosb,Esguire 1c"4 2ftPt Phone Nurrrbec f747J 575-`sddfi C.a~rriner!an+rf Cnlrntq i 1432 Market Strccf Camp NiIJ, PA 1701 1 ^------ ------._ _. 1„fp y?'fle-rert 21.72 Madre! Street. Camp t4Jf1, PA 47044 r .:.rqg-~ _-,~ r:7£s !K rC!" 1 ^rul•rmary u! E3orrower's Transact,on K, Sunti-vary of Selirr's Transaction ??7 Cr~cs AI ~ nt C~:,e !"rs; rn Borrower 406. Gr+.755 Amount I)ue To Softer ... ~ -c .,: .. 43 5 GrC .:~ I j ._.._ Jif!'..y __ a1•r rrrl°_ ~. ..fir _ t S 1i i -~ ._. _. .. rzb+1. •S ~ _ ...___- _-_~._._ ,,.. ,. _ ._--- _ __ __ __ Ac:, ustmentS for •tems paid by seller .n advance _.._~_ __ Ad;~•.~stments #or hems pain isy seller in advance _ :. i .;'; _ r a.r r. u" 4J -r, _.i•y ....axe E. cJ,.: j - ~. t„ _ - . ., _ _ '_,- . .r ,d8. fi~ti - - -. _... M2E5_mEOt= aE ;:=2:;• ~ .. .. --- -t- ` . .... ~.~ . _ , ,t_ ___ , ----- _. __--- -- , ~ _. - .._. ---- --- __. .. t - I -- __ ... __ 11 t }a Uress Arne>unt ~^.Ut• Fr~~m Borrower .^rl er-:~~.^nts Paid 6; Or'•e E3eha!', rJ! borrower .:'~ ~ i s. ~ 826. Gross Amount aue To Seiler 'a~ t' <I mr. ~ _ ..h 5170. Raduetlons In Amount C)u8 To Selt~r -- __-- ~~ C° h 'rtn~ t rv -- ~. .... ,sir,,.. 5" _...:rl r 1 t.,..rt~ I^-I~ - __ __.. . ___ ._.___ .-1_ .__ ,. __. -_. - .r::t ..~ ~i ~har'ra .~F the E.s to t. ~r $J4,i ~'. (','~ :. re=d i.t for : 3 oharc~+ <f t}rxr ..s~atn ... .._ -.v __.. _. _. _.__.._._. __.- ._.. -..._._i. -__. _.. r.-o 'i . Adii s m.nts Ur t .:ns Ionpald by Setter ~ Adjustments !or items unpaid t;y set3er . Tcta1 Paid 9yrF<>r Sor. over e a. c~,. 826, Total Reduction Amount t?ue Seller 'aa? Cazh At Settfernent frarnrl'o Borrower 66t7. Gash AE Sdttlrment Ta/From Setter :: ? ~ y Ft .Y Ir ~~ ~? P~ 4•! ~ ~3 r t1,J.1 fr vl P-~ F 1^ ( ': v! F -.. Ji 7 .'mot ': 31 ~ ... ;7 h'7 :.:5 '. ~.:eS'•. .; ~rc~rx Tc• Borrower - t~ Bpi. Gash '. To ~' Pmm Setter r<r_ ~ !.. ttnq . • ~ •r (1; .t Is ~.vlle.,t r._ ,~f ~a4~[n„~,rvrn IS estil~r~IF+i :r, :r gnu , c : ns- rE s>, t>ns~^ r,. .: 3' e,J rcJ r.: =.r. ~ .• -,~ ___ _~ ~, J .`. rl T!. -,.1e.rcV I a~ nrJt rr tle.,t tsr+s mtorrn=Ttiv11 J y, u ace r~,ot m~u.`ea ttr ~~.r~o;eiF ?his tr,rrrl u , : n,:.. 11 ~ , - ys ,; -_ ~., 1 ?h:1B ;. ;'. Hurt Q,r.r ~a Gont•den,[«~Ity ia~ssutBd, ±hls d r .,_...e 1 n~:.....: r; ^;~ 'g !evr{nec .,, . ~ _ r .. ., ^a r, '-. -~ ~ r_ v I X11 ^r_a ,. ?r-r, ~, ~t?~ mfr,-;rt3t ~. <lur'ir , e~ E t;o_ttlcnlc~t or~._ass f= aU° L Seftlemon! t; harms fj0. Te~tal Real ~ - ____....._. _st:sfe Broker tees ... _..__.__ ~... _ ... _r. ._..__~_ -.-___-_. . ,.,.. 4..._..._,__.._ _. -. _...____ ._ , _ .._.._w_. .. ._~..,.. __. ,._ ~ . .__ I -_ --._.._,._.T ..... 4i ~ ir~rls 3~e"as~!~ fn Contaci~~r, Vdith Loan --,._~C_..,.. __._,m.. .. :_ __ _ _~_..__ •~ ,, a ~t, ~.,_ _~,;y;.et c'.faser 5 r.__ rir.r.~;i!`a,'ir ~_-_.i_ _, __ ~' r r . -. r 7, ,, rat ~ 7 -- --- _ --___ _.___ r r ._ -- r if~p€n GFE #~, ~: ;., -. , - ,_ -_. _.._ r. ..~~_.. ___.__._ .. -..- - , ~ ,.,Grew s' F ~~~ _ ~. .m ~F~ a~ ,. 4i?f #tCms ReryttrcCd day L:ener 7~. E1e faard to Advance -_____. y j.f _ r ~.~-~~ R¢4CtY'!'b I)rpos;@Cd Lr'/1}f: LandP,r t ,. ~. C Rp'.'. ~ .~.J GCi R r~ :'i S ... _ __.._ _ t n~"~ e _ --- ..__~ - - --- .. ,,, I --_ - - ~ s - ,r., i.m `'~ ._.. Ci,cc5 _ar _±ur° 66d.?d .- ___ ., r._, .~e ,rs~-p ,ri ~: ry ., _ .~c_'e „ - .In ~., i i td.G Trtta> Settlem~ird ~"han.les ?mntrr on tines 103, Section J and SG2, $BCiIOn Kj i--~+-5~ >aa • . _ . -, C7 ~ _ .. ... i sr;~ ;' rf 3. riot;-S PACE 3 CiF HUD- IyaT APPLICABLE C~ N CASN TRAIUSACTIt~NS Certification irr;rtrniled `rcm HUD-'1 ! I'av a~et,:il, e~.~~rd t!~e H;,'i,~-i Sett=ernent St~attmeat ar~rJ t tha hest o` n?y knodsdedge an~~ ou-~: ' .s a ~ ue anti ,c4urate Saterie~zt of all rece;pts ans~ disb~rscrneants made ~n my 3~,ccunt or tzy ^ie ,i tr' :. rrar;c 3ct~en I `~r•her Cert;fy Lhat I hate re~_eweII a copy ~f the HUD-~ Settierrvert Statement Seller nr ~:,~rc ~ • ~ r tE ~ t''sgenY _,'~•._ as ~:~~_~_ ~ ~ elf, - _4 ---_ _ {..i3+~t t, 'Kahr:e ~- ..Eric ,~'~,u~ust€nF~ Ad^~irs t ai- r Estate~~i~uzhetr ~ A~g.,~;r,.,;,: ',>~~; F,spB,' Cartve 1 Jai A'vpr?;,e Se!!er r•r fc~r.:•~vde" Uate Agent ___ . , _~., ..... s. _~_ _,_._ Pvlargaret P,~~v ey, Asir tir'strctt- EstaterrEfizadett,~~ .a~a_tz;t ;_ i~~ Uak A.venuc ;~elle r E'•~^rr6wer Uate. Arent ~ rA~ jj ~ b Estate Vf c zat,-•rh ~ t;ci~,~..~„ CYak Avar~,e Camp t{;,;i• PA. "~;' , ! •u= 7iD-1 Sett «!rrter't whsrh % gave ~re~aFed IS a tree and aCCVrate acCautit t~` this tran~ctr~,r have a~ss~r~ e,r u~ii! cause t7e fords t~ de drsbursed in agcerdance ~a'~th this sta'emert Dare 5e+tlar~1e~t r~g..n~ ~ ~' ~i,;~,. ----._ ___.____. -.__ __- a ~ iae ~ .. VsiARNING: ,~, d crime to krovrir~gly make Fa=se statements ?o he Ur~te;~ States or !~,is G =n y ,^•h~=r sip i!a- fora r~enaitie~ open crr.+nCtf3n car ~n :lr~ ~e a f,•7e and impns nm~r't ~..~r deta ~,e., ~+le ,b lJ S Cade Sect;trn 10? arr" Seutcr r„~?v. APPRAISAL OF REAL PROPERTY LOCATED AT: 13 Oak Avenue Hampden Township, Cumberland County Camp Hill, PA 17011 FOR: Estate of Harold C. Augustine 1344 Aspen Drive Boiling Springs, PA 17007 AS OF: 03/23/2011 BY: FairW ay Appraisals Chris H. Davis, PA Certified Residential Appraiser 219 Putters Circle Dillsburg, PA 17019 PHONE: 717-432-8586 FAX: 717-432-8565 Form GA6 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE File No. 110 P e #2 0 3/2 912 0 1 1 Chris H. Davis, Appraiser 219 Putters Circle Dillsburg, PA 17019 Phone: 717-432-8586 Fax :717-432-8565 Members 1st FCU 5000 Louise Drive Mechanicsburg, PA 17055 RE: 13 Oak Avenue, Camp Hill, PA 17011 Dear Client: Pursuant to your request, I have prepared a COMPLETE APPRAISAL/SUMMARY REPORT of the property captioned in the "Summary of Salient Features" which follows. The accompanying report is based on a site inspection of improvements, investigation of the subject neighborhood area of influence, and review of sales, cost, and income data for similar properties. This appraisal has been made with particular attention paid to applicable value-influencing economic conditions and has been processed in accordance with nationally recognized appraisal guidelines. The value conclusions stated herein are as of the effective date as stated in the body of the appraisal, and contingent upon the certification and limiting conditions attached. Please do not hesitate to contact me if I can be of additional service to you. Respectfully, Chris H. Davis, PA Certified Residential Appraiser Fairway Appraisals Form DCVR - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE SUMMARY OF SALIENT FEATURES Subject Atldress 13 Oak Avenue Legal Description Deed Reference: 020-413 City Camp Hill County Cumberland State PA Lp Code 17011 Census Tract 0113.04 Map Reference ADC:3117/H-3 Sale Price $ NA Date of Sale NA Borrower /Client KEHOE, Philip F. & Carol A Lender Estate of Harold C. Augustine Size (Square Feet) 960 Price per Square Foot $ Location AVERAGE Age 51 YEARS Condition AVERAGE Total Roams 5 Bedrooms 3 Baths 1 Appraiser Chris H. Davis, Certified Residential Appraiser Date of Appraised Value 03/23/2011 Final Estimate of Value $ 132,000 Form SSD - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Fairway Appraisals Fil No. 11 3 Pa #4 AUGUSTINE Uniform Residential Aooraisal Report ogee ~~nanaz The ur ose of this summa a sisal re ort is to rovide the lender/client with an accurate, and ode uatel su orted, o inion of the market value of the subject roe Pro a Address 13 Oak Avenue Ci Cam Hill State PA Zi Code 17011 Borrower KEHOE Phili F. & Carol A Owner of Public Record Estate of Harold C. Au ustine Coun Cumberland Le al Descrf lion Deed Reference: 020-413 Assessor's Parcel # 10-21-0277-137 Tax Year 2011 R.E. Taxes $ 1 721.00 Nei hborhood Name Ham den Townshi Ma Reference ADC:3117/H-3 Census Tract 0113.04 Occu ant ^ Owner ^ Tenant ®Vacarn S ecial Assessments $ None PUD HOA $ NA ^ ^ er ear ^ er mornh •' Pro a Ri hts A raised ®Fee Sim le ^ Leasehold ^ Other describe Asst nment T e ^ Purchase Transaction ^ Refinance Transaction ®Other describe Pro a Valuation Lender/Client Estate of Harold C. Au ustine Address 1344 As en Drive Boilin S rip s PA 17007 Is the subject roe currentl offered for sale or has it been offered for sale in the twelve months rior to the effective date of this a sisal? ^Yes ®No Re ort data sources used, offerfn rice s ,and dates . Per the MLS and ublic records the sub ect roe is not currentl offered for sale nor has it been offered for sale within the reviews 12 months, as of the effective date of this a sisal re ort. I ^ did ^ did not analyze the conract for sale far the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the anaysis was not erformed. NA Contract Price $ NA Date of Contract NA Is the roe seller the owner of ublic record? ^Yes ^ No Data Sources NA Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? ^Yes ^ No If Yes, re ort the total dollar amount and describe the items to be aid. NA Note: Race and the racial composition of the net hborhood are not appraisal factors. Gharacteristks Orte-Unit Hottsin Trendy tkle-Unit tkw PreteM Land Uae 96 Location ^ Urban ®Suburban ^ Rural Pro a Values ^ Increasin ®Stable ^ Declinin PRICE AGE One-Unit 54 % Built-U ^ Over 75% ®25.75% ^ Under 25% Demand/Su ^ Shorty a ®In Balance ^ Over Su I $ 000 rs 2-4 Unit 5 % ;Growth ^ Ra itl ®Stable ^ Slow Marketin Time ^ Under 3 mths ®3-6 mths ^ Over 6 mths 100 Low 10 Muhi-Famil 2 % Nei hborhood Boundaries SEE ADDITIONAL COMMENTS 260 Hi h 90 Commercial 13 % Other land use consists of recreational arks. 140 Pretl. 50 Other 26 % Nei hborhood Descri lion This net hborhood contains ro erties reflectin similar ualit maintenance desi n, and marketabilit to the sub'ect ro ert .The sub ect roe is readil available to all necessa facilities includin schools em to ment and sho in . Avery a ro e maintenance is observed. Em to ment is within a 5-15 minute drive from the sub ect roe .Stead rice increases demonstrate stable demand. Market Conditions includin su art for the above conclusions A search of tax records and the MLS show rites most stable. The MLS service indicates that the t ical roe sells in 0-6 months. Mort a e funds are readil avaiable from a varie of sources with conventional loans bein 4.5%-6.5% interest fixed 30 r. mort a e u to 3 oints. Sellers are not re wired to offer sales or financin cocessions however it is occurrin . Dimensions SEE ATTACHED DEED Area 0.21 ACRES M/L Sha a RECTANGULAR View TYPICAL FOR AREA S ecific Zonin Classification R-S Zonin Descd lion RESIDENTIAL SUBURBAN Zonin Com liance ®Le al ^ Le al Nonconformin Grandfathered Use ^ No Zonin ^ Ille al describe Is the hi hest and best use of subject roe as im roved or as ro osed er laps ands ecifications the resern use? Yes ^ No If No, describe Utilities Puaic Other (describe) Public Other (describe) Off-site lm rovemeMS-T Public Private Electrici ® ^ 200 AMP Water ® ^ Street ASPHALT ® ^ Gas ^ ^ NONE Sanity Sewer ® ^ Alle NONE ^ ^ FEMA S ecial Flood Hazard Area ^Yes ®No FEMA Fbod Zone X FEMA Ma # 42041 C0277E FEMA Ma Date 3/1 612 00 9 Are the utilities and oft-site im rovements ical for the market area? ®Yes ^ No tt No, describe Are there an adverse site conditions or external factors easements, encroachments, environmental conditions, land uses, etc. ? ^Yes ®No g Yes, describe Standard easements for electric tele hone etc. There are no known or a arent adverse easements encroachments or conditions noted. t~rerai Di3seri n froundation Exrrsrbt matrsr~isltwnddion Interior rr-e~rialskonditiort Units Ors ^ One with Accesso Unit ^ Concrete Slab ^ Crawl S ace Foundation Walls CON BLOCK/AVG Floors CPT-VINYVAVG # of Stories 1 Full Basement Partial Basement Exterior Walls BRICK-ALUMIAVG Walls DRYWALVAVG T e ®Det. ^ Att. ^ S-DetJEnd Unit Basement Area 960 s .tt. Roof Surtace SHINGLEIAVG TrirrVRnish WOOD-STNAVG Existin Pro osed Under Const. Basement Finish 30 % Gutters & Downs outs ALUMINUM/AVG Bath Floor VINYVAVG Desi n S le RANCH ^ Outside Ent /Exit ®Sum Pum Window T e DBL HNG,VN VAVG Bath Wainscot FIBERGLASS/AVG Year Built 1960 Evidence of Infestation Storm SastJlnsulatetl INS GLASS/AVG Car Story a None Effective A e rs 8 ^ Dam ness ^ Settlemern Screens YES/AVG Drivewa # of Cars 1 Attic None Heatin FWA HWBB Radiant Amenities Woodstove s # Drivewa Surface ASPHALT Dro Stair ^ Stairs ^ Other Fuel OIL ^ Fire laces # ^ Fence ^ Gara e # of Cars Floor Scuttle Coolin Central Air Conditionin Patio/Deck Porch CON Car ort # of Cars ^ Finished ^ Heated ^ Individual ®Other C FANS ^ Pool ®Other 3 SEASN ^ Att. ^ Det. ^ Buih-in A liances ~ Refrf erator ®Ran e/Oven ~ Dishwasher ^ Dis osal ®Microwave ®Washer/D er ®Other describe HVAC humidrfier Finished area above rode contains: 5 Rooms 3 Bedrooms 1 Baths 960 S ware Feet of Grass Livin Area Above Grade . Additional features s ecial ener etticiern items, etc.. T ical for similar a ro erties in the area. Ceilin fans. Newer aint in bathroom. Some im rovements have been made to the kitchen built-in microwave and new sink/faucet and bathroom sink/faucet and tublfixtures Describe the condition of the roe includin needed re airs, deterioration, renovations, remodelin ,etc.. The sub ect is in avers a condition. The construction ualit is ical for a e in tom orison to tom etin net hborhoods. Based on maintenance condition, and tom orison to tom etin net hborhoods the estimated a e is below the actual a e. No economic or functional obsolescence noted. The basement has 30% finished area that is famil room and bedroom. It is finished with wall to wall car et aneled walls, and a dro Ceilin with Ceilin li hts. There is no floorin in lower level bedroom. Laund area in an unfinished area of the basement. 3 seasons room is car eted and in ood condition. Are there a h sical deficiencies or adverse conditions that affect the livabili ,soundness, or structural irn ri of the ro ? ^Yes ®No Ii Yes, describe The sub'ect has been well maintained with the exce tion of the car etin . Althou h there are no visable holes or torn areas it is somewhat worn dated, and in a few areas, stained. Does the roe enerall conform to the net hborhood functional utili ,style, condition, use, construction, etc. ? ®Yes ^ No If No, describe Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE AUGUSTINE Uniform Residential Auuraisal Report r•ae~ ~~nzna~ There are 2 com arable ro erties current) offered for sale in the sub ect nei hborhood ran in in rice from $ 125 000 to $ 150 000 There are 7 com arable sales in the sub ect nei hborhood within the ast twelve mont hs ran in in sale rice from $ 125 000 to $ 150 000 FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 13 Oak Avenue Cam Hill PA 17011 4603 N. Clearview Drive Cam Hill, PA 3816 Chestnut Street Cam Hill PA 4612 N. Clearview Drive Cam Hill PA Proximi to Subect 0.52 miles 0.20 miles 0.55 miles Sale Price $ NA $ 146 000 $ 139 900 . $ 125 000 Sale Price/Gross Liv. Area $ s .ft. $ 138.26 5 .ft. $ 145.73 S .ff. $ 121.83 5 .ft. Data Sources MLS-STEB MLS# 10198445 MLS-STEB MLS# 10202622 MLS-STEB MLS# 10199444 Ver'rfication Sources ASSESS # 10-2 1-0279-038 ASSESS # 10-21 -0275-117 ASSESS # 10-21 -0279-139 VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad uslment DESCRIPTION + - $ Ad ustrnent DESCRIPTION + - $ Ad usiment Sales or Rnancing Concessions VA SELLER HELP 0 -5,480 FHA SELLER HELP 0 -5 790 CONVNTIONAL NONE KNOWN 0 0 Date of Sale/Time 1212/10 dom 37 0 2125/11 dom 51 0 12/29/10dm36 0 Location AVERAGE SIMILAR 0 SIMILAR 0 SIMILAR 0 Leasehold/Fee Sim le FEE SIMPLE FEE SIMPLE 0 FEE SIMPLE 0 FEE SIMPLE 0 Site 0.21 AC M/L 0.22 AC MIL 0 0.17 AC MIL 0 0.16 AC M/L 0 View TYPICAL TYPICAL 0 TYPICAL 0 TYPICAL 0 Desi n S le RANCH RANCH 0 RANCH 0 RANCH 0 Quay of Construction BRICK-ALUM/A VNL-STCCO/A 0 BRICK/ALUMIA 0 BRICK/AVG 0 Actual A e 51 YEARS 52 YEARS 0 61 YEARS 0 52 YEARS 0 Condition AVERAGE GOOD -6 000 AVERAGE 0 AVERAGE 0 Above Grade Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths Room Count 5 3 1 5 3 1 0 4 2 1 0 5 2 1 0 GrossLivin Area 960 S .ff. 1 056 5 .ft. 0 960 5 .ft. 0 1,026 5 .ft. 0 Basement & Finished Roams Bebw Grade FULL FAM RM-BED PARTIAL NONE +1,000 +2 000 FULL FAM RM-DEN 0 0 FULL FAM RM-DEN 0 0 Functional Utili AVERAGE SIMILAR 0 SIMILAR 0 SIMILAR 0 - Heatin /Coolin FWAlCA FWAICA 0 FWAICA 0 FWA/ CA 0 Ener Efficient Items STANDARD SIMILAR 0 SIMILAR 0 SIMILAR 0 Gara a/Car ort OFF ST.PKNG 2 CAR B-I GAR -2 000 1 CAR ATT CP -1 000 1 CAR ATT CP -1 000 ' Porch/Patio/Deck PORCH PORCH 0 PORCH 0 PCH/CV PATIO -1 200 Other NONE NONE 0 NONE 0 NONE 0 • Other 3 SEASNS RM NONE +3 000 NONE +3 000 NONE +3 000 • Other NONE NONE 0 NONE 0 NONE 0 • Net Ad ustment Total ^ + ®- $ 7 480 ^ + ®- $ 3 790 ®+ ^ - $ 800 Adjusted Sale Price _ of Com ambles Net Adj. 5.1 % Gross Ad . 13.3 % $ 138 520 Net Adj. 2.7 % Gross Ad. 7.0 % $ 136 110 Net Adj. 0.6 % Gross Ad. 4.2 % $ 125 800 I did did not research the sale or transfer hi sto of the sub ect roe and com arab le sales. If not, ex lain No a ical conditions noted. Com arable #3 sale was an estate sale. M research ^did ®did not reveal an rior sales or transfers of the sub"ect roe far the three ears rior to the effective date of this a sisal. Data Sources Public records. M research ®did ^did not reveal an rior sales or transfers of the com arable sales for the ear rior to the date of sale of the com arable sale. Data Sources Public records. R art the results of the research and anal sis of the rior sale or transfer histo of the sub ect roe and com arable sales re ort additional rior sales on a e 3 . ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3 Date of PriorSale/Transter NONE 06111/2010 NONE NONE Price of Prior Sale/Transfer WITHIN 3 YEARS $103 000. WITHIN 1 YEAR WITHIN 1 YEAR Data Sources PUBLIC RECORDS PUBLIC RECORDS Deed PUBLIC RECORDS PUBLIC RECORDS Effective Date of Data Sources 03/2011 03!2011 03/2011 03/2011 Anal sis of rior sale or transfer histo of the sub eCt roe and com arable sales All rior sales of the sub'ect roe occurred more than three ears a o. Prior sale, listed above for com arable #1 was a bank sale. Per the Deed the raptor was Deutsch Bank National Trust Com an .All other rior sales of the com arable sales occurred more than one ear a o. No a ical conditions noted. Summa of Sales Com orison A roach After a search of available market data the four closed sales and two active listin s dis la ed are considered to be the best indicators of value. Ad ustments were made to reflect market reactions to those items of si niflcant variation between sub ect and com ambles. An concession was ad usted at 100% of said concession and considered at the time of reconciliation. An condition ad'ustments were made based on the discri lions and/or the interior hotos obtained from the MLS. Ad'ustments were made for number of bathrooms. No ad'ustment was made for number of bedrooms. Instead this ad ustment was included in the ad ustment for GLA. GLA ad ustments were calculated at $15. er s uare foot and rounded to the nearest hundredth. No GLA ad ustment was made if the difference was less than 100 s uare feet. All com ambles were wei hted and considered. The ad'usted ran a of values for the com ambles is 125 800. to 140 300. SEE ADDITIONAL COMMENTS Indicated Value b Sales Com orison A roach $ 132 000 Indicated Value b :Sales Com orison A roach S 132 000 Cost A roach (if develo d) $ 25 000 Income A roach (if develo d) $ Greatest wei ht is iven to the Sales Com orison A roach as it reflects the t ice) actions of bu ers and sellers in the market lace. ~ Value listed for the Cost roach is for the site value onl . - This appraisal is made ®"as is', ^ subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed, ^ subject to the fallowing repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or ^ subject to the • followin re wired ins ection based on the extraordina assum lion that the condition or deficient does not re wire alteration or re air: No warran is iven or im lied. No liabili is assumed for the structural or mechanical elements of the roe Based on a complete visual inspection of the interior and exterior areas of the subject property defined scope of work, statement of assumptions and limiting conditions, and appraiser's cerficetion, my (our) opinion of the market value, as defined, of he real property that is the subject of this report is $ 132 000 as of 03/23/2011 which is the date of ins coon and the effective date of this a sisal. Freddie Mac Form 70 March 2005 Page 2 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE File N . 11 33 P # Uniform ReSirfantial Annraical Rannrt AUGUSTINE - --- - r11Cn I IVJVJJ RE: INTENDED USER The Intended User of this a raisal re ort is the Client. The Intended Use is to evaluate the roe that is the sub ect of this a raisal for a roe evaluation sub ect to the stated Sco a of Work ur ose of the a raisal re ortin re uirements of this a raisal re ort form and Definition of Market Value. No additional Intended Users are identrfied b the a raiser. RE: NEIGHBORHOOD BOUNDRIES General) defined as follows: Ham den Townshi north of Trindle Road east of S ortin Hill Road and south of Carlisle Pike. RE: NEIGHBORHOOD DESCRIPTION There are no a arent adverse factors which mi ht im act the sub'ect's marketabili exce t as ossibl noted elsewhere within this re ort. The market e~ibits stable roe values with su I and demand in a roximate balance for the marketin season. The sub'ect's im rovements are ical of the redominant housin in the market area. This area is enerall a surburban settin with eas access to ma'or hi hwa RE: NEIGHBORHOOD MARKET CONDITIONS The redominant nei hborhood value will not have an im act on the sub'ect's marketabilit .The sub'ect ro ert and the value of the sub'ect roe will a eal to enou h vilified bu ers to create an active market within the nei hborhood. RE:SUMMARY OF SALES COMPARISOM APPROACH More consideration was iven to the closed sales that hayed closed within the revious 6 months, com s 1-3 . Additional consideration was iven to com arable #3 because it was an estate sale and it's condition a eared most similar to the sub ect roe DATA SOURCES Data sources for the information used in this re ort was obtained form the ublic records i.e. Tax Assessment and Recorder of Deeds .Other ' information was obtained from the Central Penn Multi List Service. CST APF~ACH TO VALUE oak uhed Fannie ll~e Provide ode vote information for the lender/client to re licate the bebw cost fi ures and calculations. Su ort for the o inion of site value summa of com arable land sales or other methods for estimatin site value Land value is an estimate based on the limited number of land sales in the area. ESTIMATED ^ REPRODUCTION OR ®REPLACEMENT COST NEW Source of cost data Marshall & Swift Cost Guide Ouali ratio from cost service AVG Effective date of cost data 03/2011 OPINION OF SITE VALUE_......___ _ _____ _$ 25 000 DWELLING 960 S .Ft. @ $ _ _ _ _ _$ 960 S .Ft. @ $ _$ Comments on Cost A roach ross livin area calculations, de reciation, etc. _$ Marshall & Swift cost vide alon with the a raisers a erience have Gara a/Ca ort 528 S .Ft. $ _$ been used to arrive at a re lacement cost f ure. Land value is an Total Estimate of Cost•New =$ estimate based on a limited number of land sales in the area. In view of Less Ph sical Functional External the a e of the im rovements the costa roach cannot be considered an De reciation =$ accurate indicator of value. The Cost A roach was not formulated or De reciated Cost of Im rovements __ ._____....___ ___. _ _$ considered due to the a e of the sub'ect roe "As-is" Value of Site Im rovements _ __ _$ Estimated Remainin Economic Life HUD and VA onl 45 Years INDICATED VALUE 8Y COST APPROACH __ ____... _ __ =S 25,000 INCOME APP[~ACH TO VALUE (rte tdfed b F~Ittte Abe) Estimated Month) Market Rent $ NA X Gross Rent Mufti tier NA = $ Indicated Value b Income A roach Summa of Income A roach includin su ort for market rent and GRM NA Pi'A~IECT It~ORMAFION Iii PUDs f ff kat~} Is the develo er/builder in control of the Homeowners' Association HOA ? ^ Yes ^ No Unit e s ^ Detached ^ Attached Provide the tollowin information for PUDs ONLY if the develo er/builder is in control of the HOA and the sub ect roe is an attached dwellin unit. Le al Name of Pro ect NA Total number of hoses Total number of units NA Total number of units sold Total number of units reined Total number of units for sale NA Data source s Was the ro ect created b the conversion of existin buildin s into a PUD? ^ Yes ^ No It Yes, date of conversion. NA Does the ro ect contain an mufti-dwellin units? ^ Yes No Data Source Are the units, common elements, and recreation facilities com late? ^ Yes No Ii No, describe the status of com letion. NA Are the common elements leased to orb the Homeowners' Association? ^ Yes ^ No It Yes, describe the rental terms and o lions. NA Describe common elements and recreational facilities. NA Freddie Mac Form 70 March 2005 Page 3 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. -1.800-ALAMODE File Na. 110303 P e #7 f1V V VJ I IIVC ni orm esl en la ppralsa eport File# 1103033 This report form is designed to report an appraisal of a one-unit property or a one-unit 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 work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications 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 and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/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 lender/client. 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 specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he 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 financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. *Adjustments to the comparables must be made for special or creative financing or sales 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 alt sales transactions. Special 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 calculated on a mechanical dollar far dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, 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 not 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 included 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 the 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 arrangements to do so have been made beforehand, or as otherwise required by 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 the appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the 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 property 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 conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be performed in a professional manner. Freddie Mac Form 70 March 2005 Page 4 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE File N . 11 3033 P # Uniform Residential Appraisal Report File# 11030331IVc APPRAISER'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 report. 2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies 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 report 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. I 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 far 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 the 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 property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and experience in appraising this type of property in this market area 12. I am aware of, and have access to, the necessary and appropriate public 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 from reliable sources 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, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research 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 from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that 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 partially 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 subject property or 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 performing 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). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. I 20. I 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. Freddie Mac Form 70 March 2005 Page 5 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - °TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE unirorm Fiesiaentiai Appralsai hieport Filex 1103033 21. The lender/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 other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws 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 request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, govemment sponsored enterprises, and other secondary market participants may rely 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 transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or 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 under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. 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 appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 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 pertorm 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 signature," as those terms are defined in applicable federal and/or 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. APPRAISER .,Chris H. Davis Signature " Name C H. Davis, Certified Residential Appraiser Company Name Fairway Appraisals Company Address 219 Putters Circle Dillsburg, PA 17019 Telephone Number 717-43z-8586 Email Address chrishdavis(a~comcast.net Date of Signature and Report March 29, 2011 Effective Date of Appraisal 03/2312011 State Certification # RL139387 or State License # or Other (describe) State # State PA Expiration Date of Certification or License o6~30~2011 ADDRESS OF PROPERTYAPPRAISED 13 Oak Avenue Camp Hill, PA 17011 APPRAISED VALUE OF SUBJECT PROPERTY $ 132,000 LENDER/CLIENT Name Philip & Carol Kehoe Company Name Estate of Harold C. Augustine Company Address 1344 Aspen Drive, Boiling Springs, PA 17007 Email Address kehoespa(cilcomcast.net SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name Company Address Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License SUBJECT PROPERTY ^ Did not inspect subject property ^ Did inspect exterior of subject property from street Date of Inspection ^ Did inspect interior and exterior of subject property Date of Inspection COMPARABLE SALES ^ Did not inspect exterior of comparable sales from street ^ Did inspect exterior of comparable sales from street Date of Inspection Freddie Mac Form 70 March 2005 Page 6 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE File No. 11030 Pa a #1 AUGUSTINE Uniform Residential Aonraisal Report ~,e~ ~~n~n~o FEATURE SUBJECT COMPARABLE SALE #4 COMPARABLE SALE #5 COMPARABLE SALE #6 Address 13 Oak Avenue Cam Hill, PA 17011 4830 Brian Road Mechanicsbur PA 13911 Church Street .Cam Hill PA 106 Hampden Avenue Cam Hill PA Pro>ami to Sub'ect 0.89 miles 0.20 miles 0.63 miles Sale Price $ NA $ 149 900 $ 144 900 $ 144 900 Sale Price/Gross Liv. Area $ s .ft. $ 140.88 s .ft. $ 130.78 s .tt. $ 134.17 s .ff. Data Sources MLS-STEB MLS# 10193024 MLS-STEB MLS# 10202774 MLS-STEB MLS# 10201452 Verification Sources ASSESS # 10-2 1-0279-275 TAX ASSESS # 10-21-0275-300 TAX ASSESS # 10-21-0279-142 VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Atl'usiment DESCRIPTION + - $ Ad usiment DESCRIPTION + - $ Atl'ustment Sales or Rnancing Concessions FHA SELLER HELP 0 -5,000 ACTIVE LISTING-s /I % 0 -6 200 ACTIVE LISTING-s /I % 0 -6 200 Date of SaleJTime 619/10 dom 2 0 DOM 125 0 DOM 160 0 Location AVERAGE SIMILAR 0 SIMILAR 0 SIMILAR 0 - Leasehold/Fee Sim le Site FEE SIMPLE 0.21 AC M/L FEE SIMPLE 0.20 AC MIL 0 0 FEE SIMPLE 0.37 AC MIL 0 0 FEE SIMPLE 0.18 AC M/L 0 0 View TYPICAL TYPICAL 0 TYPICAL 0 TYPICAL 0 Desi n S le RANCH RANCH 0 RANCH 0 RANCH p • Oual' Of COnstruCtiOn BRICK-ALUM/A BRK-VNL/AVG 0 BRICK-ALUMIA 0 BRICK-ALUMIA 0 Actual A e 51 YEARS 41 YEARS 0 58 YEARS 0 50 YEARS 0 ' Condition AVERAGE G000 -6 000 GOOD -6 000 AVERAGE 0 • AbOVe Grade Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths Roam Count 5 3 1 5 3 1 0 4 2 1 0 5 2 1 0 GrossLivi Area 960 s .ft. 1 064 s .ft. -1 600 1,108 s .ft. -2200 1 080 s .ft. -1,800 Basement & Finished Rooms Bebw Grade FULL FAM RM-BED FULL NONE 0 +2 000 FULL FAM RM-DEN 0 0 FULL FAM RM-DEN 0 0 Functional Utili AVERAGE SIMILAR 0 SIMILAR 0 SIMILAR 0 Heatin /Coolin FWAICA FWA/CA 0 FWAICA 0 FWA/CA 0 Ener Efficient hems STANDARD SIMILAR 0 SIMILAR 0 SIMILAR 0 Gara a/Car ort OFF ST.PKNG 1 CAR ATT G -2 000 OFF ST. PRKG 0 OFF ST. PRKG 0 Porch/Patio/Deck PORCH PORCH 0 PORCH 0 PORCH p Other NONE NONE 0 NONE 0 NONE 0 Other 3 SEASNS RM NONE +3 000 SCND PATIO +1 000 4 SEASNS RM -1 000 Other NONE NONE 0 NONE 0 NONE 0 Net Atl'ustment Total ^ + ®- $ 9 600 ^ + ®- $ 13 400 ^ + ;~ - $ 9 000 Adjusted Sale Price Net 6.4 % of Com arables Gross 13.1 % R art the resuhs Of the research and anal sis of the rior sale or transfer h Net 9.2 % $ 140 300 Gross 10.6 % $ 131 500 isto of the sub ect roe and com arable sales re ort additi Net 6.2 % Gross 6.2 % onal rior sales on a $ 135 900 e 3 . ITEM SUBJECT COMPARABLE SALE # 4 COMPARABLE SALE # 5 COMPARABLE SALE # 6 Date of Prior Sale/Transfer NONE NONE NONE NONE Price of PriorSale/Transfer WITHIN 3 YEARS WITHIN 1 YEAR WITHIN 1 YEAR WITHIN 1 YEAR Data Sources PUBLIC RECORDS PUBLIC RECORDS PUBLIC RECORDS PUBLIC RECORDS Effective Date of Data Sources 0312011 03/2011 03/2011 03/2011 Anal sis Of rior sale or transfer histo of the sub ect roe and com arable sales See a e 2 of 6. Ana sis/Comments An ad ustment was made for the sales ricellist rice ratio s /I % for endin sales andlor active listin s The avers a sale ricellist rice ratio for the 4 closed com arable sales sold in this nei hborhood in the revious 6 months is 95.73% The ad ustment was rounded to the nearest hundreth. The actual listin rice is noted in the "sale rice" area and the ad ustment is indicated in the rid below that. Freddie Mac Form 70 March 2005 Fannie Mae Form 1004 March 2005 Form 1004.(AC) - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Subject Photo Page File N . 11 3 P #11 Borrower Client KEHOE Phili F. & Carol A Pro a Address 13 Oak Avenue Ci Cam Hill Cou Cumberland State PA Zi Code 17011 Lender Estate of Harold C. Au ustine Subject Front 13 Oak Avenue Sales Price NA Gross Living Area 960 Total Rooms 5 Total Bedrooms 3 Total Bathrooms 1 Location AVERAGE View TYPICAL Site 0.21 AC M/L Quality BRICK-ALUM/A Age 5t YEARS Subject Rear Subject Street Form PIC3x5.SR - "TOTAL far Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Subject Photo Page Borrower Client KEHOE Phili F. & Carol A Pro a Address 13 Oak Avenue Ci Cam Hill Coun Cumberland State PA Zi Code 17011 Lender Estate of Harold C. Au ustine Subject Front 13 Oak Avenue Sales Price NA Gross Living Area 960 Total Roams 5 Total Bedrooms 3 Total Bathrooms 1 Location AVERAGE View TYPICAL Site 0.21 AC M/L Quality BRICK-ALUM/A Age 51 YEARS Subject Rear Subject Street Form PIC3x5.SR - "TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE File No.1103033 Page #13 Interior Photos Client Estate of Harold C. Au ustine Property Address 13 Oak Avenue Cit Cam Hill County Cumberland State PA Zip Code 17011 Owner Estate of Harold C. Au ustine Living Room Kitchen Full Bathroom Bedroom Bedroom Bedroom Lower Level Family Room Lower Level Bedroom 3 Seasons Room blank blank blank Farm PICINTI2_LT - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Building Sketch (Page - 1) File N .110 0 P #14 Borrower Client KEHOE Phili F. & Carol A Pro a Atldress 13 Oak Avenue Ci Cam Hill Coun Cumberland State PA Zi Code 17011 Lender Estate of Harold C. Au ustine za.o --- -. °y ii 3 SEASONS RM; °y 40.0' ~ 40.0' LAUNDRY AREA BEDROOM UNFINISHED BEDROOM BATH BEDROOM KITCHEN a N w > "-' = BASEMENT ?~ a a FIRST FLOOR e i FAM N~ ILY = N N N BEDROOM LIVING ROOM DINING i ~ i AREA z 40.0' ° I, RoacH?0.0' ...-6.0• ._. Skalm M bex n/^' Comments: Code AREA CALCULATIONS SUMMARY Descriptlon Net Siffi Net Totals GLAl First Floor 960.0 960.0 BS!!T Basevu3nt 960.0 960.0 P/P Porch 336.0 Porch 24.0 360.0 Net LIVABLE Area (Rounded) 960 LIVING AREA BREAKDOWN Breakdown Subtotals First Floor 24.0 x 40.0 960.0 11tem (Rounded) 960 Form SKT.BIdSkI - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Location Map File Na. 11 33 P #15 Borrower Cliem KEHOE Phili F. & Carol A Pro a Address 13 Oak Avenue Ci Cam Hill Coun Cumberland State PA Zi Code 17011 Lender Estate of Harold C. Au ustine 1 I ' 3~ m.~. r. n ~~MIIMtrYri4N1 fl`~e+'ol ., ~~+ ~i \~ ~~ I, ~L/ 4c `~~ ``\` ~\1',vecntu'rou~~ /a a~ s ~ a~ ~ °~ a y " ~'~~ d ~ NMN`"" \ mV6c--Ln~ h IIr 1~ N s~+` O ~ 5 °~~ ~~ ~\ ^ (3 ~ ~1 ~~~ lvv~ ~~ ~ ~ ~ ~~ :-~° l~ ~°"~°~ Il ~~~,~r 1 --- B '` ~ d ~~ s a f.~ 1 ~~~~ emox ~I ~~~ R ~~•, s~ ~~,,:~ s ~~ ~~ ~~ a °~ ~.~ ~M.. ~ , ~~ ~"~~~~t E ~.~., '~ she ~ ~ ~ ~~ e b, (~~ , ~- g / :;t ~/ ~ A S'd -e~ ~ e ~ c ~~~~-c~eaa--`-%R°%~U ~ A ~1 ~ U";,SUjy C~ ~\~ cxeo+2, n~ II ,rye^~ } V A' Md1~Ln._.p .,S ~o-~ ~ ~~_ ~~ eroexxn-q.. mesmu~-'~'-'-'o-i "°~_~ c'~.s °~ I o`' ~~ ~~ ;ttamV~ ~ G~ r ~ 1 1 ~N~~ $ \ ~' \\1` l/ ?` {~1 G'm~`~,e~v ~~c, 1\ ~:s~ a~~Pl2, ~°"ab'-A L~-'o~ ~} w ate- F a ,., ,~ K ~ St 9 c.m, t ~~~`~ V .~e.w~ n,".,m;, r„w *` ~ ~~ u ~ l n cn1 ~~ ~~„ \p~~ sevw ro ~~ ica^w 14.v ~~ \ __~. x ~ Lod ~ ~~ 1t ~yera ~ of __ - a s n -~'_~~YP ~©^"~~~~\,dyow. a e .tea ~~ ~ ~~~ ~ . ~ ~J. !~~ ~, - ~ tee, ~ ~\'°~ ~~ ~ l ~ ~~~~~~ ~ /say 4' ~ / 1.r' F ~ ~ / q0r"~n~k ~ ` n ,~ / ~y v / ~ / r - -- Form MAP.LOC - "TOTAL for Windows" appraisal software by a la mode, inc. -1.800-ALAMODE Comparable Photo Page File N .110 0 Pa a #1 Borrower Client KEHOE Phili F. & Carol A Pro a Address 13 Oak Avenue Ci Cam Hill Cou Cumberland State PA Zi Code 17011 Lender Estate of Harold C. Au ustine Comparable 1 4603 N. Clearview Drive Prox. to Subject 0.52 miles Sale Price 146,000 Gross Living Area 1,056 Total Rooms 5 Total Bedrooms 3 Total Bathrooms 1 Location SIMILAR View TYPICAL Site 0.22 AC M/L Ouality VNL-STCCO/A Age 52 YEARS Comparable 2 3816 Chestnut Street Prox. to Subject 0.20 miles Sale Pnce 139.900 Gross Living Area 960 Total Rooms 4 Total Bedrooms 2 Total Bathrooms 1 Location SIMILAR View TYPICAL Site 0.17 AC M/L Ouality BRICK/ALUM/A Age 61 YEARS Comparable 3 4612 N. Clearview Drive Prox. to Subject 0.55 miles Sale Pnce 125,000 Gross Living Area 1,026 Total Rooms 5 Total Bedrooms 2 Total Bathrooms 1 Location SIMILAR View TYPICAL Site 0.16 AC M/L Duality BRICK/AVG Age 52 YEARS Form PIC3x5.CR - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Comparable Photo Page File No. 11030 Pa a #17 Borrower Client KEHOE Phili F. & Carol A Pro a Address 13 Oak Avenue Ci Cam Hill Cou Cumberland State PA Zi Code 17011 Lender Estate of Harold C. Au ustine Comparable 4 4830 Brian Road Prox. to Subject 0.89 miles Sale Price 149,900 Gross Living Area 1,064 Total Rooms 5 Total Bedrooms 3 Total Bathrooms 1 Location SIMILAR View TYPICAL Site 0.20 AC M/L Quality BRK-VNL/AVG Age 41 YEARS Comparable 5 3911 Church Street Prox. to Subject 0.20 miles Sale Price 144,900 Gross Living Area 1,108 Total Roams 4 Total Bedrooms 2 Total Bathrooms 1 Location SIMILAR View TYPICAL Site 0.37 AC M/L Quality BRICK-ALUMNA Age 58 YEARS Comparable 6 106 Hampden Avenue Prox. to Subject 0.63 miles Sale Price 144,900 Gross Living Area 1,080 Total Rooms 5 Total Bedrooms 2 Total Bathrooms 1 Location SIMILAR View TYPICAL Site 0.18 AC MIL Quality BRICK-ALUMNA Age 50 YEARS Form PIC3x5.CR - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE File N . 11 3 P #1 Market Conditions Addendum to the Annnnraisal Repnort AUGUSTINE MM r File No. 1103033 The purpose of this addendum is to provide the lender/client with a clear and accurate understanding of the market trends and conditions prevalent in the subject net hborhood. This is a re wired addendum far all a raisal re orts wfth an effective date on or after A ril 1, 2009. Pro a Address 13 Oak Avenue Ci Cam Hill State PA ZIP Code 17011 BOfrOwer KEHOE Phili F. 8 Carol A Instructions: The appraiser must use the information required on this form as the basis for his/her conclusions, and must provide support for those conclusions, regarding housing trends and overall market conditions as reported in the Neighborhood section of the appraisal report form. The appraiser must fill in all the information to the extent it is available and reliable and must provide analysis as indicated below. It any required data is unavailable or is considered unreliable, the appraiser must provide an explanation. It is recognized that not all data sources will be able to provide data for the shaded areas below; if it is available, however, the appraiser must include the data in the analysis. If data sources provide the required information as an average instead of the median, the appraiser should report the available figure and identify it as an average. Sales and listings must be properties that compete with the subject property, determined by applying the criteria that would be used by a prospective buyer of the subject ro erly. The a raiser must explain any anomalies in the data, such as seasonal markets, new construction, forecbsures, etc. h Prior 7-12 Months Prior 4-6 Months Current - 3 Months Overall Trend Total # of Com arable Sales Settled 3 2 2 Increasin Stable Declinin Abso lion Rate otal Sales/MOnths 0.50 0.67 0.67 ^ Increasing ®Stable ^ Declining Total # of Com arable Active Listin s 2 3 2 D~ ' Stable areas' Monlhs of Housing Su ly Total Listin s/Ab.Rate 4.0 4.5 3.0 [)eclltd Stable h~reasl i1e~r Sek& I.ietPrke, DWA, Sak/List96 Prior ?-12 Months Prior 4--6 Months Current - 3 Months Overall Trend Median Comparable Sale Price $149,000. $135,500. $139,950. ^ Increasing ®Stable ^ Declining Median Com arable Sales Da s on Market 5 36 151 ^ Declinin Stable ®Increasin Median Com arable List Price $146 950. $144,900. $144,900. ^ Increas Stable DecN~ Median Com arable Listin s Da s on Market 20 125 125 D~ifn Stable ktcreasl - Median Sale Price as % of List Price 100.00% 98.49% 92.96% ^ Increasin ~ Stable ^Declinin ., Seller- develo er, builder, etc. aid financial assistance revalent? ^ Yes ®No ^ Declinin ~ Stable ^Increasin Explain in detail the seller concessions trends for the past 12 months (e.g., seller contributions increased from 3% to 5%, increasing use of buydowns, closing costs, condo • tees, o lions, etc.. Althou h not revalent seller concessions are occurrin for com arable sales in this net hborhood. The overall trend for seller concessions, of com arable sales, in this net hborhood has been stable within the rior 12 months, with a common ran a of 3% to 6%. Are foreclosure sales REO sales a factor in the market? ^ Yes ®No H es, ex lain includin the trends in listin s and sales of foreclosed ro erties . Cite data sources for above information. The local MLS and ublic records. Summarize the above information as support for your conclusions in the Neighborhood section of the appraisal report form. If you used any additional information, such as an ana sis of endin sales and/or ex fired and withdrawn listin s, to formulate our conclusions, rovide both an ex lanation and su ort for our conclusions. The above data is s ecific to the ool of tom arable ro erties in this net hborhood. Due to seasonal climate than a in this area it is ical for market activi to slow enerall from December thru March.The data listed in the Nei hborhood section of this a raisal re ort is enaral to all ro erties within the defined net hborhood. In both cases the data anal ed indicates roe values to be most) stable. tt is ossible that the number of listin s shown on this addendum ma not match the number of listin son a e 2 of 6 of the UFtAR. The numbers shown on this a e indicate the number of com arable listin s within a s ec'dic time frame. Some of those listin s could have than ed status to sold or taken off the market from the time the were listed to the effective date of this a raisal re ort. The number listed on a e 2 of 6 of the URAR indicates the number of tom arable listin s, current) listed, and it is ossible that those listin s ma have been listed more than 90 da .Due to the limited number of sales and listin s for ro erties of this a the a raiser does not consider the above table to be an acurate inicator of the overall market trend in this area. N the sub' et is a unit in a condominium or cooperative pro ,complete the folbwin : Project Name: Sub ect Pro ect Data Prior 7-12 Months Prior 4-6 Months Current - 3 Months Overall Trend Total # of Com arable Sales Settled Increasing Stable Declining Absor lion Rate Dial Sales/Months ^Increasin ^Stable ^Declinin Total # of Active Comparable Listings ^ Dec6ri Stable klcreas' Months of Unit Su I otal Listin s/Ab.Rate Deckrd Stable Increas' Are forecosure sales (REO sales) a factor in the project? Yes No ff yes, indicate the number of REO listings and explain the trends in listings and sales of foreclosed ro erties. . Summarize the above trends and address the im act on the sub ect unit and ro ect. Si nature Si nature A raiser ante Chris H. Davis Certified Residential A raiser Su erviso A raiser Name Com an Name Fairwa A raisals Com an Name Com an Address 219 Putters Circle Dillsbur PA 17019 Com an Address State LicenseJCertification # RL139387 State PA State LicenseJCertification # State Email Address chrishdavis@comcast.net Email Address Freddie Mac Form 71 March 2009 Page 1 oT 1 ranrne Mae Form 10U4MG March 2009 Form 1004MC2 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Fil No. 11 Pa #1 MULTI-PURPOSE SUPPLEMENTAL ADDENDUM FOR FEDERALLY RELATED TRANSACTIONS Fairway Appraisals Borrower/Client KEHOE Phili F. & Carol A Pro a Address 13 Oak Avenue Ci Cam Hill Coun Cumberland State PA Zi Code 17011 Lender Estate of Harold C. Au ustine This Multi-Purpose Supplemental Addendum for Federaly Rebated Transactions was designed to provide the appraiser with a convenient way to comply with the current appraisal standards and requirements of the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of Currency (OCC), The Office of Thrift Supervision (OTS), the Resolution Trust Corporation (RTC), and the Federal Reserve. This Multi-Purpose Supplemental Addendum is for use with any appraisal. Only those statements which have been checked by the appraiser apply to the property being appraised. ® PURPOSE 8 FUNCTION OF APPRAISAL The purpose of the appraisal is to estimate the market value of the subject property as defined herein. The function of the appraisal is to assist the above-named Lender in evaluating the subject property far lending purposes. This is a federally related transaction. ® EXTENT OF APPRAISAL PROCESS ® The appraisal is based on the information gathered by the appraiser from public records, other identified sources, inspection of the subject property and neighborhood, and selection of comparable sales within the subject market area. The original source of the comparables is shown in the Data Source section of the market grid along with the source of confirmation, if available. The original source is presented first. The sources and data are considered reliable. When conflicting information was provided, the source deemed most reliable has been used. Data believed to be unreliable was not included in the report nor used as a basis for the value conclusion. ^ The Reproduction Cost is based on supplemented by the appraiser's knowledge of the local market. ® Physical depreciation is based on the estimated effective age of the subject property. Functional and/or external depreciation, if present, is specifically addressed in the appraisal report or other addenda. In estimating the site value, the appraiser has relied on personal knowledge of the local market. This knowledge is based on prior and/or current analysis of site sales and/or abstraction of site values from sales of improved properties. The subject property is located in an area of primarily owner-occupied single family residences and the Income Approach is not considered to be meaningful. For this reason, the Income Approach was not used. ^ The Estimated Market Rem and Gross Rent Multiplier utilized in the Income Approach are based on the appraiser's knowledge of the subject market area. The rental knowledge is based on prior and/or current rental rate surveys of residential properties. The Gross Rent Multiplier is based on prior and/or current analysis of prices and market rates for residential properties. ^ For income producing properties, actual rents, vacancies and expenses have been reported and analyzed. They have been used to project future rents, vacancies and expenses. ® SUBJECT PROPERTY OFFERING INFORMATION According to the MLS the subject property: ® has not been offered for sale in the past: ^ 30 days ®1 year ^ 3 years. ^ is curve ly offered for sale for $ ^ was offered for sale within the past: ^ 30 days ^ 1 year ^ 3 years far $ ^ Offering information was considered in the final reconciliation of value. ^ Offering information was not considered in the final reconciliation of value. ^ Offering information was not available. The reasons for unavailability and the steps taken by the appraiser are explained later in this addendum. ~ SALES HISTORY OF SUBJECT PROPERTY According to public records the subject property: ~ Has not transferred ^ in the past twelve months. ~ in the past thirty•siz months. ^ in the past 5 years. ^ Has transferred ^ in the past twelve months. ^ in the past thirty-six months. ^ in the past 5 years. ^ All prior sales which have occurred in the past 3 years are listed below and reconciled to the appraised value, etther in the body of the report or in the addenda. Date Sales Price Document # Seller Bu er ® FEMA FLOOD HAZARD DATA ® Subject property is not located in a FEMA Special Flood Hazard Area. ^ Subject property is located in a FEMA Special Fbod Hazard Area. Zone FEMA Map/Panel # Map Date Name of Community X 42041 C0277E 03/16/2009 Ham den Townshi Cumberland Count ^ The community does not artip cioate in the National Flood Insurance Program. ® The community does participate in the National Flood Insurance Program. ^ It is covered by a r l r program. ^' It is covered by an r rx; program. Page 1 of 2 Form MPA3 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE ® CURRENT SALES CONTRACT ~ The subject property is Curren b not under contract. ^ The contract and/or escrow instructions were not available for review. The unavailability of the contract is explained later in the addenda section. ^ The contract and/or escrow instructions were reviewed. The following summarizes the contract: Contract Date Amendment Date Contract Price Seller ^ The contract indicated that personal property was not included in the sale. ^ The contract indicated that personal property was included. h consisted of Estimated contributory value is $ ^ Personal property was not included in the final value estimate. ^ Personal property was included in the final value estimate. ^ The contract indicated no financing concessions or other incemives. ^ The contract indicated the following concessions or incentives: ^ If concessions or incentives exist, the comparables were checked for similar concessions and appropriate adjustments were made, if applicable, so that the final value conclusion is incompliance with the Market Value defined herein. ® MARKET OVERVIEW Ineludeanexplanationofcurrentmarketconditansandtrends. 0-6 months is considered a reasonable marketing period for the subject property based on MLS statistics and county records. ® ADDITIONAL CERTIFICATION The Appraiser certifies and agrees that: (1) The analyses, opinions and conclusions were developed, and this report was prepared, inconformity with the Uniform Standards of Professional Appraisal Practice ("USPAP"), except that the Departure Provision of the USPAP does not apply. (2) Their compensation is not contingent upon the reporting of predetermined value or direction in value that favors the cause of the client, the amount of the value estimate, the attainment of a stipulated resuh, or the occurrence of a subsequent event. (3) This appraisal assignment was not based on a requested minimum valuation, a specific valuation, or the approval of a loan. ® ADDITIONAL (ENVIRONMENTAL) LIMITING CONDITIONS The value estimated is based on the assumption that the property is not negativey affected by the existence of hazardous substances or detrimertal environmental conditions unless otherwise stated in this report. The appraiser is not an expert in the identification of hazardous substances or detrimental environmental conditions. The appraiser's routine inspection of and inquiries about the subject property did not develop any information that indicated any apparent significant hazardous substances or detrimental environmental conditions which would affect the property negatively unless otherwise stated in this report. It is possible that tests and inspections made by a qualified hazardous substance and environmental expert would reveal the existence of hazardous substances or detrimental environmental conditions on or around the property that would negativey affect its value. ^ ADDITIONAL COMMENTS ® APPRAISER'S SIGNATURE & LICENSE/CERTIFICATION ~f Appraiser's Sigr~L%~~ Effective Date 03/23/2011 Date Prepared March 29, 2011 Appraiser's Name (print) Chris H. Davis, Certified Residential Appraiser Phone # 717-432-8586 State PA ^ License ®Certification # RL139387 Tax ID # 20-5460594 ^ CO-SIGNING APPRAISER'S CERTIFICATION ^ The co-signing appraiser has oersonaly inspected the subject property, both inside and out, and has made an exterior inspection of all comparable sales listed in the report. The report was prepared by the appraiser under direct supervision of the co-signing appraiser. The co-signing appraiser accepts responsibility for the contents of the report including the value conclusions and the limiting conditions, and confirms that the certifications apply fully tothe co-signing appraiser. ^ The co-signing appraiser has not erp sonally ins ep cted the interior of the subject property and: ^ has not inspected the exterior of the subject property and all comparable sales listed in the report. ^ in the exterior of the subject property and all comparable sales listed in the report. ^ The report was prepared by the appraiser under direct supervision of the co-signing appraises The co-signing appraiser accepts responsibility for the contents of the report, including the value conclusions and the limiting conditions, and confirms that the certifications apply fully to the co-signing appraiser with the exception of the certification regarding physical inspections. The above describes the level of inspection performed by the co-signing appraiser. ^ The co-signing appraiser's level of inspection, involvement in the appraisal process and certification are covered elsewhere in the addenda section of this appraisal. ^ CO-SIGNING APPRAISER'S SIGNATURE & LICENSE/CERTIFICATION Co-Signing Appraiser's Signature Effective Date Date Prepared Co-Signing Appraiser's Name (print) Phone # State ^ License ^ Certification # Tax ID # Page 2 of 2 Form MPA3 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE ~~J~,._... __....._~~..._.~...~_ _ _ .._...__~__.._.. _, r _.__--1 ~/ri. ~WVf M.d. tlJ. ~ tttt ~,J! ?« . M~~ n'vulten hrt6.d ad .uV"r• a+w ~ttNr faasfs i. lsfTas ..a ui/fr s. rlloi, rti Tar., .e u. an..u~ u T+~. Ctwq K t7trtrJ„ fuu .: rirytwNy artMtfw dTd AST Ciwsr ~ 1 nd YtaM fill JYCtTIIt .rt 6tY/is L +~. 11t rUt, Tt w ZTrYy .! 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Tp. 1f, rs lti, t+.t.rywJ er.y TTp.TJa I', d/ ~~.~ k 1 , G~~! ~ ` ~MM1IM ~MMe Form SCA - "TOTAL far Windows" appraisal software by a la mode, inc. -1.800-ALAMOOE File N .11030 3 Pa a #22 Commonwealth of Pennsti•lvania 08 0579970 Department of State Bureau of Professional and Occupational Affairs Ptl [lox 26.14 Harrisburg PA 171 o5-2C,49 (-ertitieate T~ pe Certificate Status Certifced Reuidential Appraiser Active Initial Certification Date 07/26/2006 CMRI5 H DAMS Ccrtifieate 219 PUTTERS CIRCLE Number Dilltburg PA 17019 Ri_139387 Expiration Date OS/30/2011 l.~~~iii~n.5.iui.~i ~.,i f'i. it-.. i~n,~,al aii~~, S~. u;1~Gi.~nal \If',IiF. Form SCA - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Fil N .110 3 Pa #2 REAL ESTATE APPRAISERS PROFESSIONAL LIABILITY THIS DECLARATION PAGE iS AT7ACHE0 TO ANO Ft?RMS PART OF THE POLICY Date ,ssuatl 8!14!2010 Contract Number: PL0328441 Previous Number. PL0328441 rnvco er_c rc oGAUtnRA AN O Ci. AIM3 611ADE BA51S. pLE ASE READ CAREFULLY Item NAME OF INSURER ~~ 1 ; •es ianr~c~ u r,o ~ .. 26255 American Drive, Southfield MI 48034-2438 Tal: 800 482.2726 NAMED INSURED: Chris H. Davis, D8A Fairway Appraisals I 219 Putters Circte j 2 Dillsburg, PA 17019 POLICY PERIOD 3 From 9NSI2010 rc l1 ! 011 _. ~__ _.m ---- --- DEDUCTIBLE ,~y OR RETENTION ^ RETROACTIVE DATE: 9115!2006 Each Clatm: T 1000 - --. LIMIT OF LIABILITY 000 Each Claire The Eimit of L ability for each clam ano m ;he aggregate c. reducor, by 000 S 1 5 . , c4i;ms expense as oafined in the Pplisy. S 1 0, 00.OQO Agpfag.3:e MAIL NOTICE OF LOSS TO J, A PRICE AGENCY, INC, e,,4a srthDV o~K PGAC) :;ui r E ~w: ~ b ~ EDEN FKAIKIt tdN 55:Fd b~ a Pr,onr 60J~544-vr ~+ F~iz. 551 rad4 ~gp4',S ANNUAL PREMIUM. S 575 NUMBER OF APPRAISERS. 1 SURCHARGE OR TAX: SNot Ap licable FORMS ATTACHED AT ISSUE. 8 0128PL 1 tG2. 4138FL t 102, 0238PL G20a. G49GPL ? 102. 117, PL 1162, 2283 PL 1 tC2. 3a20PL 1102, P^ve~y Statement, a 136PL t 102, 3839 PL 1162. '. p6FP1. 1102 Our stuthuruerl rebreggnlative is J A. PRICE AGENCY INC b6405NA6'r T3Ah: RfSA[7-S(llTr A, EpEN P:L11 IG MN :5344 et1e rr^hGnC $0C~~944 li1fN ~3'.t 4F~;1-~M14-`~Ck~ O t 18 PL 11 04 oAZSd Reprssentative Page t of ~ Form SCA - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE '~'1~'~~'~ iE~~~=~~~~r~ ~ is ' ~ ~fa~l=f -~~~~' it ~~~~. MvEas-Hnlz~v~r~ P~~t~r:~A[. Ho~sr. I~1c. 1903 \iARREf STREET Cr1~\iP HILL, PEAi~~SYLVAi`IA 17011 717-737-9961 717-737-x618 PHO\E F,~,t \hVrs-1 a 11er~ir.coincast.na L(K'AL[-Y t11Y~ 11=1) A\T) t)Pl~RA'CEt) January 28, 2011 ROBERT B. IIARFEI. SUPER\9SOR BfISTI\ R. BAKER FUT`ERAL DIRECTOR Mrs. Margaret Bowley 245 die Street P O Bax 90 'Dauphin PA 17018-0094 Services for Elizabeth Reid Augustine January 18, 2011 Charges for Services Selected Professional Services Use of Facilities Automotive Equipment Charges for Merchandise Selected Casket Cash Advanced Newspaper Notice/Local Clergy Certified Copies Organist Total due within thirty days, please: ELIZABETH R. AUGUSTlNE PH.717-781-0789 13 UAK AYE. CAMP !il LL, PA 1701 t PAY TO THE $ 9,190.00 $ 9,194.00 - $ 3, 830.(}4 $ 323.04 100.00 72.00 75.00 3963 $ 570.00 $ 9,360' //~ t/0 ~O `~ 60-i81I313 ~` F ~ ~AtE - r~ ~ ~l 9Q, Df~ v.:. ~:D~3 i 3D i846~: D 3` ~O i86 7 3a' 39 xr z.ara ---. ,~ --. - ACCOUNT NO. DA3E fNV. NO.IDESCRIPTION PRODUGT AMOUNT SERVICE CHARGE RELAY GHARGE DE~NEI CFEAFt~ 01/18/2011 1943041.1 Betsy Augustine Local Delivery 225.00 9.; Casket Spray ! Reale~s Flower Shap 01!18120'[ 1 194305/'t Busy Augus#ine Locat Delivery 40.00 Casket nosegay - 5 -pink roses -small to place. in her. hand -ribbons ect ! Pealer's Flower Shop . ` 01/18/2019 19~30f>I'i. Betsy Augustine. Local Delivery 100.00 Altar Vase -n mache to word with casket spray / Peaie~'s Flower Shop . VISIT US A'f'www.PFAI.ERS.COh4 397.45 O.flO 0.0 CURRENT 30 DAYS PAST DUE 60 DAYS PA