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Home My WebLink About11-14-11 (2)J 1505610149 REV-1500 EX1°'-'°, pennsytvania OFFI CIAL USE ONLY PA Department of Revenue Bureau of Individual Taxes INHERITANCE TAX RETURN County Code Year File Number PO BOX 280801 Harrisburg, PA ~77pg_060~ RESIDENT DECEDENT 21 10 0 8 8 9 ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 182 22 5159 08 17 2010 08 02 1925 Decedent's Last Name Baldwin (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Spouse's Social Security Number FILL IN APPROPRIATE OVALS BELOW ~ 1. Original Return Suffix Decedent's First IVame MI Roberta S Suffix Spouse's Frst Name MI THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF 1NILLS O 2. Supplemental Return O 3. Remainder Return (date of death O 4. Limited Estate prior to 12-13-82) O 4a Future Interest Compromise (date of C~ 5. Federal Estate Tax Retum Required death after 12-12-82) ~ 6. Decedent Died Testate D 7. Decedent Maintained a Livi Trust (Attach Copy of Will) (Attach Copy of Trust) ~ 8. Total Number of Safe Deposit Boxes O 9. Litigation Proceeds Received O 10. Spousal Povert Credit date of death between 12-31y91 and (1-1-95) C~ 11. Election to tax under Sec. 9113(A) (Attach Sch. O) CORRESPONDENT -This section must be completed. All Correspondence and Confidential Tax Information Shouid be Directed to: Name John E• S l i k e Daytime Telephone Number '717 612 58D0 REGISTEF~ WILLS USE Ot¢gY n `-°-- ~ First line of address ,7~ -~ ( ~ t 635 N• 12th Street, Suite 400 c '.1'~ `' l~ ~- , . T' Second line of address r .._. ~ r _ _,., ~.~,`1`T - ,_, r--; -1 City or Post Office State ZIP Cede ~.._.~ -- "i r ATE~ILED Lemoyne PA 17043 - Correspondent's a-mail address: ~Sllke ssr-attorneys.com Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and stat it is true, correct and complete. Declaration of the preparer otherthan personal representative is based on all inf ements, and to the best of my knowledge and belief, o SIGN T RE OF PERSON RESPONSIBLE F R FILING RETURN /~y~ ~ rmation of which praparer has any knowledge. ~n1~` r / ~ .,C/-/Zr~C/ ~ DATE ~ ~ I ~ ADDR - , _ ~+~ / // ~~~ A S e schedule attached ' SIG U OFPREPROT RT f1NREPRESENTATIVE DATE ADD s 635 North 2th Street, Suite 400 ~l ~~~ ~~~ L e, PA 17043 PLEASE USE ORIGINAL FORM ONLY Side 1 150561D149 L . 1505610149 f Estate of: Roberta S. Baldwin 182-22-5159 Executor John E. Slike M&T Bank 635 North 12th Street, Suite 400 Attention: Thomas E. Morkin, V.P. Lemoyne, PA 17043 3607 Derry Street Harrisburg, PA 17111 J 1505610249 Rev-1500 EX Decedent's Name: Roberta S. Baldwin Decedent's Social Security Number 18 2 2 2 515 9 RECAPITULATION 1. Real estate (Schedule A) .............. ...................... ..... 1, 2 3 D , O D 0 •O D 2. Stocks and Bonds (Schedule B) ............ . '~"~•••~~~~•~•-• 2. 404,753.21 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C ) . ..... 3, D•DD 4. Mortgages and Notes Receivable (Schedule D) ......... ... . ....... ..... a. 0•DO 5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E) .. ..... ~, 112,478.77 6. Jointly Cwvned Property (Schedule F) Cl Separate Billing Requested .. 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) .. . 6. D • 0 0 CD Separate Billing Requested .. .. . • ~• 38,103.64 8. Total Gross Assets (total Lines 1 through 7). ....... ................ .... s. 785, 335 .62 9. Funeral Expenses and Administrative Costs (Schedule H) ........... . .. . . . . s. 104 , 328 • 4 4 10. Debts of Decedent, Mortgage Liabilities, and Liens (Schedule I) ......... .. . . 10. 3,127.59 11. Total Deductions (total Lines 9 and 10) ... ........ . .. . . . . • , • 11 10 7 , 4 5 6 • 0 3 12. Net Value of Estate (Line 8 minus Line 11) ....... . 13 C 12 6 7 7 , 8 7 9 • 5 9 . haritable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not be en made (Schedule J) ............... . •••~ ••• 13. 654,408.79 14. Net Value Subject to Tax (Line 12 minus Line 13) .................... .. . 1a. 23,470.80 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X .00 D • D 0 16. Amount of Line 14 taxable 15. D • 0 0 at lineal rate X .045 8, 0 3 9. 0 0 17. Amount of Line 14 taxable 16• 3 61 • 7 6 at sibling rate X .12 D • D 0 18. Amount of Line 14 taxable 17' D • 0 D at collateral rate X .15 15 , 4 31 • 8 0 18. 2,314.77 19. TAX DUE ........ .......................................... .. 19. 2 ,6 7 6 • 5 3 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Side 2 L 1505610249 1505610249 J Rev-1500 IX Page 3 Decedent's Complete Address: Fle Number Total Credits (A + 6) (2) 7 894.73 3. Interest 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. (3) 0.00 FIII in oval on Page 2, Line 20 to request a refund. (4) 5,218.20 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 1. Did decedent make a transfer and: a. retain the use or income of the property transferred : ............................. . . Yes No b. retain the right to designate who shall use the property transferred or its income : ................ c. retain a reversionary interest; or ...................................... d. receive the promise for life of either payments, benefits or care? 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? 3. Did decedent own an "intrust for" orpayable-upon-death bank account or security at his or her death? .. 4. Did decedent own an individual retirement account, annuity, or other non-probate property, which contains a beneficiary designation? .................. . IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS iS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT 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. Sect. 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 1:he surviving spouse is 0 percent [72 P.S. Sect. 9116(a)(1.1)(ii)]. The statue 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 year; 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. Sect. 9116(a)(1.2)]. • The tax rate imposed on the net value of transfers to or for the use of the decedern's lineal beneficiaries is 4.5 percent, except as noted in 72 P.S. Sect. 9116(1.2) [72 P.S. Sect. 9116(a)(1)]. • The tax rate imposed or the net value of transfers to orior the use of the decedent's siblings is 12 percent [72' P.S. Sect. 9116(a)(1.3)]. A sibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. Tax Payments and Credits: 1. Tax Due (Page 2 Line 19) 2• Credits/Payments (1) 2 676.53 A. Prior Paymerns 7, 500.00 e. Discourn 394.73 REV -1502 EX+(Of-10) r"j: Pennsylvania SCHEDULE A ~..~, ~EVAHTMENT OF REVENUE INHERITANCETAXRETURN REAL ESTATE RESIDENTDECEDENT ESTATE OF: Roberta S. BaldWln FILE NUMBER: All real property owned solely or as a tenant in common must be reported affair market value. Fair market value is defined as'Zthe pro 0 t88h~ich ~rcco~.,. ,.,....~., ~_ exchanged between a willing buyer and a willing seller, neither being c~~..,e uva .., ~.... __ _ _ •. - ~----- , ~~~~~~ au~~u~nai sneers Di the same size. REV-1503 EX+(8-98) S CHEDULE B COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN STOCKS & BONDS RES IDENTDECEDENT ESTATE OF Roberta S. Baldwin FILE NUMBER 21 10 0889 All property jointly-owned with right of survivorhslp must be disclosed on Schedule F. ITEM NUMBER DESCRIPTION VALUE AT DATE 1 1431.446 shares Invesco Global Core Equity Fund CIA OF DEATH 16, 762.23 2 886 shares AT&T 23,833.40 3 376 sh Blackrock Muniyield PA Insd Fd Inc 5,850.56 Accrued interest on above asset 27.07 4 5 shares Fairpoint Communications Inc 0.18 5 10,897.436 shares Franklin Income Fund CI A 22,448.72 6 1,260.287 shares of Franklin High Yield Tax Free Income Fund CI A 12,943.15 7 3,701.51 shares of Franklin Penn Tax Free Income Fund CI A 38,791.82 8 71 shares Frontier Communications Corp 543.24 9 822 shares of International Business Machines Corp 105, 937.31 Accrued interest on above asset 534.30 10 5,987 shares of Lord Abbett Pennsylvania Tax Free Fund Class A 30, 533.70 11 379.027 shares of Lord Abbett Pennsylvania Tax Free Fund CI A 3,759.95 12 770.3210 shares of New Perspective Fund CI A 19,227.21 13 2,737.146 shares of Putnam Asset Allocation Balanced Portfolio CI A 27,645.17 14 400 shares of Rite Aid Corp 376.50 15 3,033.316 shares of Vanguard PA Long Term Tax Exempt Fund 34,185.47 16 297 shares of Verizon Communications 8, 964.95 17 2,145.636 shares of Washington Mutual Investors Fund CI A 52, 374.97 18 1 share of Western Asset Managed Municipals Fund Inc 13.31 TOTAL (Also enter on line 2, Recapitulation) 404,753.21 (If more space is needed, insert additional sheets of the same size) REV-1508 EX+(8-gg) SCHEDULE E COMMONWEALTH OF PENNSYLVANIA CASH, BANK DEPOSITS, & Mj$C, TN IN RESIDENTDECEDEN PERSONAL PROPERTY ESTATE OF Roberta S. BaldWln FILE NUMBER Include the proceeds of litigation and the date the proceeds were receivE:d by the a a0 0889 All property jointly-owned with ri ht of g survivorship must be disclosed ITEM on Schedule F. NUMBER DESCRIPTION VALU DE ATA~ E 1 Penn Treaty Refunds OF DEATH 2,155.52 2 Litigation settlement check re: QWest 1.62 3 Secco Refund 2, 000.00 4 Cash found in home 467.36 5 M&T Bank Checking Account 13394258 19, 767.03 6 Fidelity Pension Payment 24.80 7 PA Treasury Annuity Payment 110.73 8 Chase Card Services, death benefit 351.09 9 Misc. Personal Property Per appraisal 24,270.29 10 Misc. Coats/Purse Per appraisal 500.00 11 Misc. Household Items/Furnishings Per appraisal 48,277.00 12 PA Unclaimed Property 11, 773.83 13 Multi diamond wedding set Per appraisal 2,779.50 TOTAL (Also enter on line 5, Recapitulation) I 112,47$.77 (If more space is needed, insert additional sheets of the same size) REV -1570 EX+(08-09) ;j~i .- Pennsylvania ~,~, OEt'ARIMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE G INTER-VIVOS TRANSFERS AND MISC. NON-PROBATE PROPERTY w~e1tG yr Roberta S. B81dWlt1 FILE NUMBER This schedule must be comolwtnd ,~,. f;~°a :..~_ ___..__ 21 10 0889 - - - ~ •----- ~~ u,.~~,~~~ to meets oT paper of the same size. REV-1511 EX+(~0-09) ' ~ Pennsylvania '~. ~i? OFFAHTMENf OF R'VPNUf INHERITANCE TAX RETURN RESIDENTDECEDENT SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS tSIA1t OF Roberta S. Baldwin Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION A. FUNERAL EXPENSES: 1 Bonnie Kress, reimbursement for payment to Boiling Springs Tavern., funeral luncheon FILE NUMBER 21 10 0889 133.00 B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s) of Personal Represerrtative(s~ll&T Bank Street Address 3607 Derry Street city Harrisburg State PA zip 171 'I 1-1900 Year(s) Commission Paid: 2011 2. Attorney Fees 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation.) Claimant Street Address City State zip Relationship of Claimant to Decedent 4. Probate Fees: 5. Accountant Fees: 6. Tax Return Preparer Fees: See schedule attached 28,060.00 49, 000.00 527.50 250.00 26,357.94 TOTAL (Also enter on Line 9, Recapitulation) 104, 328.44 If more space is needed, use additional sheets of paper of the same size. Estate of: Roberta S. Baldwin Schedule H, Part 6 -Administrative Costs Miscellaneous Expenses Page 2 21 10 0889 Item Number Descri lion Amount 7 Register of Wills, reserve for additional probate fee 100.00 8 Saidis, Sullivan & Rogers, reserve for misc. out of pocket expenses 200.00 9 Register of Wills, filing fee for Inheritance Tax Return and Inventory 30.00 10 Register of Wills, filing fee for signed copy of will 15.00 11 PA American Water 23.31 12 PPL 28.32 13 UGI 180.29 14 M&T Bank fee 27.49 15 UGI 333.19 16 Penn Waste, trash removal 45.75 17 M&T Bank fee 0.52 18 Ibis Appraisal Services 120.00 19 UGI Utilities Inc 306.48 20 SES Ins Brokerage Serv Inc, insurance premium 1,887.00 21 PPL Electric Utilities 24.17 22 PA American Water 23.26 23 M&T Bank fee 32.02 24 Borough of Camp Hill, sewer 150.00 25 PA American Water 22.44 26 PPL 29.46 27 Ibis Appraisal Services 5,000.00 28 UGI 377.02 29 Janet L. Miller, tax collector, tax certification fee 5.00 TOTAL. (Carry forward to main schedule) ...... 8 960 72 Page 3 Estate of: Roberta S. Baldwin 21 10 0889 Schedule H, Part B -Administrative Costs Miscellaneous Expenses Item Number Descri tion 30 M&T B Amount ank fee 108.26 31 PA American Water 23.11 32 Penn Waste Inc, trash and recycling charges 45.75 33 UGI 225.83 34 PA American Water 11.23 35 M&T Bank fee 0.03 36 PPL 36.58 37 UGI 160.81 38 M&T Bank fee 0.05 39 Thomas Morkin, reimbursement for out of pocket expense 102.06 40 Borough of Camp Hill, utility payment 72.50 41 PPL 32.82 42 Trugreen 122.43 43 Trugreen 155.82 44 Bartlett Tree Service 397.50 45 UGI Utilities Inc 101.04 46 Register of Wills, short certificates 20.00 47 Sandra Feigley, mowing 105.00 48 M&T Bank fee 0.04 49 Verizon ($56.83 - $4.47 refund) 52.36 50 Trugreen 52.95 51 Duty's Lock, Safe and Security 81.74 52 SES Ins Brokerage Serv Inc, insurance for 102 N. 26th St Camp Hill P q . , , 731.79 TOTAL. (Carry forward to main schedule) ...... 2,639.70 Estate of: Roberta S. Baldwin Schedule H, Part B -Administrative Costs Miscellaneous Expenses Page 4 21 10 0889 Item Number Descri lion Amount 53 PA American Water 23 79 54 PPL 47.20 55 Truegreen 42.34 56 Charles Furriers, appraisal 300.00 57 Duty's Lock, Safe and Security Inc., service charge and labor to cheek and 90.10 open Gardall wall safe 58 CMI Jewelry Showroom, ring appraisal 59 Saidis Law, reimbursement for payment to Cumberland Law Journal, legal advertising 60 The Patriot News, legal advertising 61 Freeman Real Estate, appraisal 62 Borough of Camp Hill, sewer 63 M&T Bank fee 64 UGI Utilities Inc 65 PPL Electric Utilities 66 PA American Water 67 M&T Bank fee 68 UGI Utilities, Inc 69 Saidis, Sullivan & Rogers, out of pocket expenses 70 Penn Waste Inc 71 Shane Bouder Hauling & Removal 72 Ibis Appraisal Services, trash removal, restore furniture, boxed items 73 PPL Electric Utilities 74 Service Master of Greater Harrisburg, cleaning TOTAL. (Carry forward to main schedule) ..... . 75.00 75.00 217.47 325.00 150.00 13.57 100.36 40.50 24.14 0.54 89.92 67.95 45.75 3,375.00 3,640.00 21.21 1,177.67 9,942.51 Estate of: Roberta S. Baldwin Schedule H, Part B -Administrative Costs Miscellaneous Expenses Page 5 21 10 0889 Item Number Description Amount 75 PA American Water 23.21 76 M&T Bank fee 0.44 77 Ehrlich 280.90 78 M&T Bank, repairs to furnace and dryer for gas leak 553.90 79 PA American Water 23.46 80 PPL Electric Utilities 19.61 81 UGI 51.00 82 Borough of Camp Hill, sewer 150.00 83 M&T Bank fee 13.26 84 UGI Utililities Inc 224.00 85 PPL Electric Utilities 15.50 86 PA American Water 22.54 87 M&T Bank fee 0.37 88 Ed Carey, removal of fallen trees 960.00 89 Penn Waste Inc, trash removal 45.75 90 Ed Carey, balance due for removal of fallen trees 2,D40.00 91 PPL Electric Utilities 47.65 92 PA American Water 22 54 93 M&T Bank fee 0.43 94 UGI Utilities 2.00 95 Saidis, Sullivan & Rogers, out of pocket expenses 318.45 TOTAL. (Carry forward to main schedule) ...... 4,815.01 REV -1512 EX+(12-08) Pennsylvania SCHEDULE I OrPARTMEN' OF REVENUE DEBTS OF DECEDENT, INHERITANCE7AXRETURN MORTGAGE LIABILITIES & LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER Roberta S. Baldwin 21 10 0889 Report debts incurred by decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expenses. ITEM - NUMBER DESCRIPTION VALUE AT DATE OF DEATH 1 US Treasury, final Form 1040 1,462.00 2 PA Dept of Revenue, final PA-40 156.00 3 R. Lynn Magargle, MD 32.88 4 Orthopedic Institute of PA 113.15 5 Victor Cohen DPM 19.06 6 Premier Eye Care Group 19 72 7 Chase 410.81 8 PA American Water 34.99 9 Charles Furriers, balance of purse purchased 04/30/10 539.00 10 Penn Waste Inc. 48.75 11 Trugreen, check written prior to, but clearing after Decedents date of death I 52.95 12 Comcast 76.81 13 PPL Electric Utilities 60.43 14 UGI 101.04 TOTAL (Also enter on Line 10, Recapitulation) I 3,127.59 If more space is needed, insert additional sheets of the same si~:e. REV-1513 EX+(01-10) j ~` Pennsylvania OF.VAR7MFNT OF RF,VFNUF INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: SCHEDULE J BENEFICIARIES FILE NUMBER Robe rta S. Baldwin 21 10 08 89 NUMBE NAME AND ADDRESS OF PERSONS RECEIVING PROPERTY RELATIONSHIP TO DECEDENT Do Not Lfst Trustee(s) AMOUNT OR SHARE OF ESTATE I TAXABLE DISTRIBUTIONS [Include outright spousal distributions and , transfers under Sec. 9116(a)(1.2).] See schedule attached ENTE R DOLLAR AMOUNTS FOR DISTRIB UTIONS SHOWN ABOVE ON LINES 15 TH ROUGH 18 OF R EV-1500 COVER SH EET, AS APPROPRIATE. zi NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: See schedule attached 654,408.79 TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. 654,408.79 It more space is needed, use additional sheets of paper of the same; size. Page 2 Estate of: Roberta S. Baldwin 21 10 0889 Schedule J, Part I -Taxable Distributions Num. Name and Address of Person(s) Receivino Property Relationship to Decedent Amount or Share of Estate Per Item III & V A. of the Will Step-daughter 6,679.00 Bonnie Baldwin Kress 2821 Combe Hill Trail Raleigh, NC 27613 Per Item IV of the Will Step-daughter 400.00 Adele Baldwin 10025 Glenn Street Bakersfield, CA 93312-2769 Per Item V B. of the Will Cousin 5,168.00 Lawrence Tuttle 27 Flynt Avenue Monson, MA 01057 Per Item V B. of the Will Cousin 3,445.00 Colby Tuttle 381 Warren Street Needham, MA 02492 Per Item V B. of the Will Cousin 985.00 Joyce Harris 206 Sugar Hill Road Williamsburg, MA 01096 Per Item V B. of the Will Cousin 1 915.00 Joan Vargas , 10205 Channel Island Drive Austin, TX 78747 Per Item V B. of the Will Cousin 3 918.80 Kathleen Cota , 163 Montgomery Avenue Extension Pittsfield, MA 01201 Per Item V B, of the Will Step-grandson 960 00 Stephen Kress . 5104 Melbourne Road Raleigh, NC 27606-1748 Page 3 Estate of: Roberta S. Baldwin 21 10 0889 Schedule J2 -Part B Charitable and Governmental Distributions Item Description Amount 1 Per Item VII A. of the Will 130,881.76 F&M College c/o Mary Ann M. Cooke Associate Director of Gift Planning P.O. Box 3003 Lancaster, PA 17604-3003 2 Per Item VII B. of the Will 130,881.76 Chatham College 106 Woodland Road Pittsburgh, PA 15232 3 Per Item VII C. of the Will 130,881.75 Camp Hill Public Library 100 North 19th Street Camp Hill, PA 17011 4 Per Item VII D. of the Will 98,161.32 Mt. Calvary Episcopal Church 125 North 25th Street Camp Hill, PA 17011 5 Per Item VII E. of the Will 65,440.88 Dickinson College c/o Joe Martellaro Gift Planning Officer P.O. Box 1773 Carlisle, PA 17013 6 Per Item VII F. of the Will 65,440.88 Harrisburg Academy 10 Erford Road Lemoyne, PA 17043 7 Per Item VII G. of the Will 32,720.44 Mercersburg Academy 300 East Seminary Street Mercersburg, PA 17236 TOTAL. (Carry forward to main schedule) ...... 654,408.79 LAST WILL AND TESTAMENT ~~~`-'~~~ OF ROBERTA S. BALDWIN SAIDIS, GUIDO, SHUFF & MASLAND 2109 Mazket Street Camp Hill, PA I, ROBERTA S. BALDWIN of the Borough of Camp Hill, Cumber- land County, Pennsylvania, declare this t.o be my Last Will and Testament, hereby revoking any will previously made by me. I - I direct the payment of all. my just debts out of my estate as soon as may be practical after my death. II - I bequeath to my friend, 'I'atiana C. Reed of Harrisburg, PA, my white gold diamond cluster ring, my yellow gold ring with diamond cluster center with two side diamonds, my yellow gold bracelet with three small diamonds, and my lapis lazuli set comprised of a necklace, bracelet and earrings. III - I bequeath my Taiwan desk., Chinese lacquer coffee table and pastel picture of her father to Bonnie Baldwin Kress. Should she predecease me, these items shall be distributed to her son, ,tepr~en Kress . IV - I bequeath my Atmos clock to Adele Baldwin, daughter of my deceased husband. V - I bequeath certain other items of my tangible personal pT•operty, not including cash and securities, in accor- dance with a written list made by me during my lifetime. In the ~~~ Page 1 absence of such a list or designation on said list, I direct that my executor hereinafter named distribute the following items as indicated and shall sell the remainder of said tangible personal property and add the proceeds to the residue of my estate: A. I bequeath my pearl necklace with filigree of diamonds pendant, matching bracelet and earrings to Bonnie Baldwin Kress, daughter of my deceased husband. Should she predecease me, these items shall be distributed to her daughter, Susan Kress. B. I direct that my executor shall allow the children (and their spouses) of my cousin., Barbara Tuttle, to choose any articles of my tangible personal property not previ- ously mentioned in this will or a written. list, and that the balance of said tangible personal property be sold. VI - I bequeath the sum of $10,000 to my friend, Tatiana C. Reed. VII - I devise and bequeath all the rest, residue and SAIDIS, GUIDO, SHUFF & MASLAND 2109 Market Street Camp Hill, PA remainder of my estate of whatever nature and wherever situate as follows: A. 20~ of said residue shall be paid to Franklin & Marshall College, Lancaster, PA; E, 20~ cf said residue shall be paid to Chatham College, Pittsburgh, PA; C. 20~ of said residue shall be paid to the West Shore Public Library, Camp Hill, PA; D. 15~ of said residue shall be paid to Mt. Calvary Episcopal Church, Camp Hill, PA; E. 10~ of said residue shall be paid to Dickinson College, Carlisle, PA; _ „ Page 2 F. 10~ of said residue shall be paid to Harris- burg Academy, Wormleysburg, PA; G. 5~ of said residue shall be paid to Mercers- burg Academy, Mercersburg, PA; VIII - I appoint Dauphin Deposit Bank and Trust Company and John E. Slike, Esquire, Executors of this, my Last Will and Testament. Neither of my personal repree;ent atives shall be required to post bond in this or any juri_sdi ction. IN WITNESS W~iEREOF, I have he unto set my hand and seal on ~ ~s this, the day of ~, 1995. G~ ~ SEAL) Roberta S. Baldwin Signed, sealed, published and declared by ROBERTA S. BALDWIN, Testatrix therein named, on this and two (2) other sheets of paper as and for her Last Will and Testament, in our presence, who, in her presence, at her request, and. in the presence of each other, have hereunto subscribed our names as attesting witnesses. SAIDIS, GUIDO, SHUFF & MASLAND 2109 Market Street Camp Hill, PA ~~~ Q~n ~~, ~~~~e Address Address Page 3 COMMONWEALTH OF PENNSYLVANIA) SS. COUNTY OF CUMBERLAND) SAIDIS, GUIDC1, SHUFF & MASLAND 2109 Market Street Camp Hill, PA Subscribed, sworn to a~ acknowledged before me by the x, and subscribed and ' w_,rn to before me by both wit- this ~'~ day of ~[.~-CCcJt.e.~~ , 1995. ~~ ~ ~~ {/ otary Public NOTARIAL SEAL THELMA S. McCAUSLIN, PJo(ary Public Camp Hill, Cumberland County MyCammi;;icn Exoirp;, July 3, 1996 WE, the undersigned, the testatrix and the witnesses, respectively, whose names are signed to the foregoing instru- ment, being first duly sworn, do hereby declare to the under- signed authority that the testatrix signed and executed the instrument as her Last Will and Testament and that she signed willingly (or willingly directed another to sign for her), and that she executed it as her free will and voluntary act for the purposes therein expressed, and that each of the witnesses, in the presence and hearing of the testatrix signed the will as witnesses and that to the best of their knowledge the testatrix was at that time eighteen years of age or older, of sound mind, and under no constraint or undue influence. testatri nesses, ~~~ ~. c ,. 7 ~, ,,.. ' . ~ J, JJ I • , '. PC's.,,., " ~l r ::5~~ ,~', fir, `~^l;~? ~,~;`,~ r') .;,~ ~d L~ ~ I ~ j .. G. ' ' N , ~ ~~v.,. ~.L ~ ~ti~~-, 1;, . ~.~~c~ ~ J . J/ 'li: .l. .f) ~i ~~w• 4~ \.T"~ J ~ SCI i,A rK{. L~ ~L 'V ! ~ ~"' ~ { i t' I _ ..~ ~~ ~~ ~ \~~ ... '~ -` .r • ,r } { 5~, J1 t/'4.'V ~.h/ ~~Y• 4 ~ `.,"7~ 1..~ ~/ :ri ~"1.1?t/'•~~ ~ L 1 ~. ~r .„ "` ~ . 1 a r r ,-f.. / ~ l.7 1ii~1 ~.>~~r ~ ,. + '~~,. ~4. ~ .`•sr .sir (r;'. ~b , ~ "0.54:; ~/ ~ ` / S ~ ` ' N` __,_.~.----- -._u.._ ~---,} ~ ./.C/l,~ ~ tip,/ i:,t:v. .i . f / ~(~, 4` d ~ ~ ,~'°~ 1 I ,~` /~1 _ ~ /' t } - ~T- lII`ll~ COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES DEPT. 280601 HARRISBURG, PA 1 7 1 28-0601 RECEIVED FROM: PENNSYLVANIA INHERITANCE AND ESTATE TAX OFFICIAL RECEIPT NO. CD 013663 M&T BANK PO BOX 2961 HARRISBURG, PA 17105 fold ESTATE INFORMATION: SSN: ~s2-22-5759 FILE NUMBER: 21 1 0-0889 DECEDENT NAME; BALDWIN ROBERTA S DATE OF PAYMENT: 1 1 / 1 7/201 0 POSTMARK DATE: 1 1 /1 7/201 0 couNTY: CUMBERLAND DATE OF DEATH: 08/17/2010 REMARKS: SEAL CHECK# 228186660 ACN ASSESSMENT AMOUNT CONTROL NUMBER 101 ~ 57,500.00 TOTAL AMOUNT PAID: RGV-1162 EX111-96) 57,500.00 INITIALS: HMW RECEIVED BY: GLENDA EARNER STRASBAUGH REGISTER OF WILLS TAXPAYER EXHIBIT A ~ ~ Page #2 SUMMARY OF SALIENT FEATURES ~N 26th St Sub~eci Address \ Legal Description boo 1 C page 10349 City Camp Hill County Cumberland Stale Pa. Zip Cotle 17011-3616 Census Tract 0104.00 Map Reference 42-41 Sale Price S NIA Date of Sale Borrower N!A LenderlClient MST Bank Size (Square Feet) 2,254 Price per Square Foot S NA Location good Age 110+/- Condition avg/fair Total Rooms 7 Bedrooms 4 Baths 1.5 Appraiser Terry E. Freeman Date of Appraised Value 8/17/2010 /i Opinion o1 Value / S 230,000 Farm SSD2 - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-AL,4MODE Freeman Real Eslale Paye #3 Uniform Residential Appraisal Report ~ao~ The purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the sublect property. Pro ert Address 102 N 26th St Cit Cam Hill State Pa. Zi Cade 17011-3616 Borrower N1A Owner of Public Record Estate of Baldwin County Cumberland Le al Descri lion book 31 C a e 10349 Assessor's Parcel # 01210271277 Tax Year 2010 ft.E. Taxes $ 4 600 Neighborhood Name Borough of Camp Hill Map Reference 42-41 Census Tract 0104.00 Occupant ^ Owner ~ i Tenant Vacant S ecial Assessments $ N/A PUD HOA $ ^ per ear 1 per month " Propert Ri hts raised ;fee Sim le Leasehold r i Diher describe Assignment Type ^I Purchase Transaction I Refinance Transaction I Other describe estate ur oses Lender/Cliem M8T Bank Address M&T Investment Grou atln Deidre Roberts Is the subject properly current) offered for sale or has it been offered for sale in the twelve months prior to the effective date of this a praisal? ^ Yes ~I No Re ort data sources used, oiterin rice s ,and dates . Central Penn Multi-List I ^ did ^ did not anatyze the contract for sale far the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not pedormed. Contract Price $ NIA Date of Contract Is the property seller the owner of public record? ^ Yes [ No Data Sources Is there any financial assistance (loan charges, sale concessions, gift ar tlownpayment assistance, etc.) to be paid by any party on behalf of the borrower? ^ Ves ^ Na II Yes, repoR the total dollar amount and describe the items to be paid. Note: Race and the racial composition of the net hborhood are not appraisal factors. No! hh rhaod Cfiaratteristics One-Uri(t Housin Trends One-.Unit Hdusih - 'PresentLshd Use % Locabon Urban Suburban ~'I Rural Property Values ~ ' Increasin Stable Decliru PRICE AGE One-Ural 85 % BuilbU i Over 75% '-I 25-75% Under 25% Demand/Supp ! Shortage In Balance Over Sup I $ (000) (yrs) 2-4 Unit % ;Growth Rapid I Stable Slow Marketin Time Under 3 mites 3-6 mths Over 6 mites 190 Low 30 Mufti-Family % Neighborhood Boundaries within [he confines of the Borou h of Cam Hill; bisected b route 11/15 and 700 Hi h 120+ Commercial % bordered b route 581 to the south Lemo a to the east and Ham den Townshi to the west 240 Pred. 65 Other 15 % Neighborhood Description The homes consist almost exclusively of detached single family dwellings in a varlet of st les The ma orit of em to ment found in the the realer Harrisbur area to the east 2 miles and the realer "West Shore" area of which (:am Hill is a art. The homes are similar and/or com atible with one another as to a e st le desi n and a eat to market. There are no adverse rnarket trends. Market Conditions including support for the above conclusions The ma'oril of tinancin in the sub'ect net hborhood, as well as com elfin communities, is b conventional means with man urchasers utilizin FHA, FMHA and VA ro rams. The demand/su I ratio is in balance. There are no adverse market (rends Dimensions see site area Area .21 acre+/- Shape rectan afar View pod Specific Zoning Classification R-1 Zonin Description Sin le fami residential Zoni Compliance Legal Legal Nonconiormin Gramfathered Use No Zonin Ille al describe Is the hi hest and bell use of sub ect roe as improved or as pro used per Ions and s ecifications the resent use? Yes No It No, describe Utilhies Public Other (describe) Public Other (describe) Off-site Improvements - T pe Public Private Electricity QI i~ Water ® ^ Street macadam I Gas [xj ^ Sanitary Sewer ~I ^ ANey none n FEMA Special Flood Hazard Area ^ Yes ~ No FEMA Flood Zone X FEMA Map # 42041 CO281 E FEMA Map Date 311 6120 0 9 Are the utilities and oft-site improvements typical for the market area? ~l Yes ^ No If No, describe Are there any adverse Bile conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)? Yes No i1 Yes, describe Generate escri lion Foundalioh fzterioc;Descri`Yion rnateiials/conditjon Interior triaierials~condition Units ,, One One with Accesso Unit i Concrete Slab Crawl Space Feundalion Walls stone/avera r Floors car etlwood/av # of Stories 2 Full Basement Partial Basement Exterior Walls stone/woodlav Walls taster/avera e Type Det. Att. ^ S-DetlEntl Unit Basement Area 1 127 s .(t. Root Sudace shn Ilav Trim/Finish wood/avera e Exislin ^! Pro used ^' Under Const. Basemen) Finish 0 % Gutters & Downs outs aluminumlavc Bath Floor vin IJavera e Desi n S le 2 stn i 1 Outside Ent /Exit Sum Pum Window T e double bun lay Bath Wainscot ceramic/avera e Year Built 1900+/_ Evidence of Infestation Storm SastVlnsulated es/unknownlav Car Stora a None Etteclive Age (Yrs) 75 ^ Dampness ^ Settlement Screens eslavera e f Drivewa # of Cars Attic None Heatin FWA HWBB Radiant Amenities Woodstove s # Drivewa Sudace i Drop Stair ~ Stairs Other fuel as Fire laces # 1 Fence rear and Garage # ei Cars Floor ^' ScutUe Conlin Central Air Condllionin Pabo/Deck Porch Car ort # of Cars ^_ Finished ^ Healed ^ Individual ^ Other ^ Pool ^ Other ^ Ari. ^ Det. ^ Built-in Appliances (] Refrigerator QI Ranye/Oven [YJ Dishwasher ^ Disposal ^ Microwave [~ Washer/Dryer ^ Other (describe Finished area above ~ratle contains; 7 Rooms 4 Bedrooms 1.5 Bath(s) 2 254 Square Feel of Gross Living Area Above Grade . Additional features s ecial ener efficient items, etc.. stora a bld Describe the condition o1 the property (includiny needed repairs deterioration, renovations, remodeNng, etc.). There are no h sical functional or external inadequacies. The subject improvements are in an overall averagelfair condition having experienced very little modernization and havin a relatively low levgl of care Are there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? Yes No If Yes, describe Does the properly geiaerally conform to the neighborhood (functional utility, style condition, use construction elc.i? g Ye<. No Ii 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-AUIMODE Page #4 Uniform Rt?~irlPntial Annraical Rannrt There are 2 comparable properties currently altered for sale in the sublet/ neighborhood ranging in price Irom $ '!99,900 to $ 305 000 There are 3 comparable sales in the subject neighborhood within the past twelve months ran ing in sale rice from S 248 000 to $ 303,000 FEATU E ~ SUBJECT COMPARABLE SALE # 1 I COMPARABLE SALE # 2 i COMPARABLE SALE # 3 Address 102 N 26th St 1209 N. 25th Sl Cam Hill, Pa. 17011-3616 Cam Hill 17011 747 Country Club Rd Cam Hill 17011 (2911 Beverly Rd Cam Hill 17011 Proximil to Suti eel 1075 miles 0.61 miles 0.56 miles Sale Price $ NIA S 286,000 $ 303,000 $ 248.000 Sale Pdce/Gross Liv. Area $ NA sg1t. S 145.18 s .il. $ 137.48 s .it. $ 120.86 s .tl. Data Sources Multi List Multi List MLS Verification Sources I Court House Records I Court House Records Court House Records VALUE ADJUSTMENTS I DESCRIPTION I DESCRIPTION + - $ Ad ustmerd DESCRIPTION + -1 S Ac ustment DESCRIPTION + -) $ Ad usiment Saks ar Financing Concessions Conv none Conv. none FHA seller d 8 000 Dale of Sale/Time 4/22/2010 1/29/2010 110!07/2009 Location ood ood ood ood Leasehold/Fee Simple j Fee Sim le I Fee Sim le Fee Sim le Fee Sim le Site .21 acre+!- .20 acre+/_ i.46 acre+/_ -10,000 .25 acre+/- View ood ood ood ood Design S le 12 sto 12 sto 2sto 2 sto Qualit of Construction ood ood ood avers a +10 000 Actual Age 110+/- 70 65 1 49 Condition ' av !fair ood -30 000. ood -30 000 ood -30 000 Above Grade Tolai Bdrms. Baths , Total Bdrms. Baths , Total Bdrms. Baths ! Total Bdrms Baths Room Counf 7 4 1.5 7 3 1.5 8 4 2.5 -15 ODO 6 3 2.5 -15 000 Gross Living Area 2,254 sq.ft. 1,970 sq.it. +11,500 2,204 s .ft. 2,052 sq.1t. +8,000 Basement & Finished i Rooms Below Grade full basement unfinished full basement unfinished full basement artiall finished -3 000 full basemen[ unfinished Functional Utilil t ical t ical t ical t ical _ Healin (Cooling GHW/none ~ GFHA/cenlral -3 500 GFHA/central -3 500 GHWlnone ,' Errer Efficienlltems none none none none Garage/Carport none ! 1 car det ara a -5,000 1 car aft ara a -6,000 none PorctUPatio/Deck chlf Ilstora a arches/2 fr Is -5 000 enclsd aUfr I -5 000 aliolfr I +3 000 I t • Net Ad usiment Total + - $ 32 000 + - $ 72 500 + - $ 24 000 Adjusted Sale Pnce ! Nel Adj. 11.2 % of Com arabks 'Gross Adj. 19.2 % 5 254,000 Net Adj. 23.9 % Gross Adj. 23.9 % S 230 500 Net Adj. 9.7 % Gross Adj. 26.6 °k $ 224,000 I ~ i did did not research the sale or transfer history of the subject roper) and comparable sales. tf not, explain My research ^ did ®did not reveal any prior sales or transfers of the suhjecl property for the three years prior to the effective date o1 this a raisal. Data Sources ourt House Records. M research did did not reveal an rior sales or transfers of the cam arable sales for the ear rior to the date of sale nl tfte cam arable sale. Data Sources Court House Records R art the results of the research and anal sis of the rior sale or transfer histor of the sub ect roe and cam arable sales re ~orl additional rior sales on a e 3 . ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3 Date of Prior Sale/Transter not within 3 ears not within 1 ear not within 1 ear not within 1 ear Price of Prior Sale/Transter NIA N/A N/A N!A Data Sources Court House Records Court House Records Court House Records Court House Records Effective Dale of Data Sources 9/2312010 9!23/2010 9/23/2010 9123/2010 Analysis of prior sale or transfer history of the subject properly and comparable sales n1a Summary of Sales Comparison Approach There is an exlremly limited pool of suitable comparable sales when considerin that onl Cam Hill Borou h homes are suitable and the overall condition of the subject improvements Therefore sale required greater ad uslment and exceed six months The three comparable sales studied have an adjusted sale price range of $224 000 to $254 000 Appraiser selects value of 230 000 ivin a ual weight to each sale Indicated Value by Sales Comparison A proach 5 230 000 Indicated Value by:,Sales Comparison Approach S 230 000 Cost Approach (II developed) S Incnme A proach (if developed) S • Full weight is given to the market approach to value Cosl approach not developed due to the eMreme ddfirult in estimatin accrued de This appraisal is made QI "as is°, ^ subject to completion per plans and specifications on the basis at a hypothetical condition that the improvements have been completed, ^ subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or ^ subject to the • following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration dr repair: ° Based on a compl$te 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 certification, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is S 230,000 , as of 8117!2010 ,which is the dale of ins ection and the effective date of this a raisal. rreaaie rviac rorm ru wrarcn zuuo Page 2 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-B00-ALAMDDE Page Yf5 _ Uniform Residential Appraisal Report F11e~ i nis +s a compete summary report COST APPROACH TO VALUE.(ndt.re wired b Fannie Mad) Provide ode uate intormabon far the IendeUcNent to replicate the bebw cast fi ores and calculations. Support for the opinion o1 site value (summary of comparable land sales or other methods for estimating site value) ESTIMATED ~ REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE.. _..._.... ..... ___......... _....... _$ Source o1 cost data Ouatit ratio Irom cast service Effective date o1 cost data • DWELLING S .Ft. @ $ S .Ft. $ _ _$ _$ _ - Comments on Cost A preach ross livin area calculations, depreciation, etc. ..... _ _..... $ Gara e/Car ort S .Ft. ~ $ _ _. _ ... _$ Total Estimate of Cast-New =g Less Ph sical Functional External Depreciation =g De reciated Cost of Im rovements ....._.. ._...._......_.. _ _... _.__ _$ "As-is" Value of Sile Im rovements ..... ___....._ _. _$ Estimated Remaining Economic Lite (HUD and VA only) Years INDICATED VALUE BY COST APPROACH =S INCOME APPROACH 70VALUE (ndf re utred b iFaririle°Mae) _... Estimated Monthly Markel Renf $ X Gross Renl Multiplier - $ Indicated Value b Income A roach Summary of Income Approach Qncluding support for market rent and GRM) PROJECT INFORMATION FDR PUDs (itepplidable) Is_the developedbuilder in control of the Homeowners' Association (HOA)v (~ Yes i No Unit typefs) Detached Attached Provide the lollowm mlormatwn far PUDs ONLY it the developer/builder is in control of the HOA and the sub ect ro en is an attached dwellin unit. Le al Name of Pro ect Total number of hoses Total number of units Total number of units sold Total number of units tented Total number of units for sale Data source(s) Was the protect created by the conversion of ex+shng building(s) into a PUD? ^ Yes ^ No If Yes dale of conversion - Does the protect contain any multi-dwelling unts? Yes ^ No Dala Source Are the units commor(elements and recreabon iaclldies completed [-J Yes ^ No II No describe the status of completion Are the common elements leased to orb the Homeowners' Associatien~ ~ Yes No It Yes, describe the rental terms and o rtions. Describe common elements and recreational lacilities Freddie Mac Form 70 March 2005 Page 3 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows' appraisal sottware by a h mode. inc. - 1-800-ALAMODE Paye #e unirorm t~esldentlai Appraisal Report FileN This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; includiny 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 o1 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 riot 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 1MORK: The scope of work for this appraisal is defined by the complexity of 1:his 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) pertorm a complete visu inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of th~ 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 lendedclient to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user oT 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 aft 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 oT a specified date and the passing of title from seller to buyer under conditions whereby: (1J buyer and seller are typically motivated; (2) bath 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 all sates 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 for 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 iri 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 cir adverse conditions of the properly {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 ha:> 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. n cuuie mac rurm rv marcn zuu5 Page 4 of 6 Fannie Mae Form 1004 March 2005 form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. - i-i300-ALAMODE Page ~7 Uniform Residential Appraisal Report F;,e~ APPRAISER'S CERTfFICATION: 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 d~ve~ 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 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 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 cor~tract 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 io, 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 arr:a 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 oT 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 pertorming 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, i.o 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 io the participants in the transaction. I did not base, either partially or completely, my analysis andlor 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 personalMy prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on signiflicant real property appraisal assistance from any individual or individuals in the pertormance of this appraisal or the preparatlion 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 t0 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 tdr it. 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 20D5 Page 5 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal soltware by a la mode, inc. -1-800-ALAMDDE ~ __ __ Page #8 unirorm nesiaentiat Appraisal Report FileN 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 IendE;r/client may be subject to certain laws and regulations. Further, f 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, government sponsored enterprises, and other secondary market participants may rr:ly on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. It this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms ar~ 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 o1 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 bath 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: t. 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 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 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 Terry E. Freeman Signature . `%'' Name Terry-£~Freeman Company Name Freeman Real Estate Company Address 4076 Markel St. Camp Hill Pa 17011 Telephone Number 717-763-7712 Email Address ireemanrealestate(n?comcasLnet Date of Signature and Report s1271zo1o Effective Date of Appraisal 8/17/2010 State Certification # RL-000663-L or State License # or Other (describe) State # State PA Expiration Date of Certification or License 6/3012011 ADDRESS OF PROPERTY APPRAISED 102 N 26th SI Camp Hill Pa. 1 701 1-361 6 APPRAISED VALUE OF SUBJECT PROPERTY $ 230,000 LENDER/CLIENT Name Company Name M&T sank Company Address M8T Investment Group attn Deidre Roberts Email Address 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 CJ 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 rreaaie twat corm ru march "LUUb Page 6 of 6 form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE Fannie Mae Form 1004 March 2005 Building Sketch (Page - 1) Page #5 Borrower Cbent N/A Pro ems Address 102 N 26th St Cil Cam Hill Coun Cumberland Slate Pa. 2i Cotle 17011-3616 Lender M&T Bank ,...a S.em LYhW M- 6. Comments: AREA CALCULATIONS SUMMARY Code Dascrlp0on Net Size Net Totals GLAl First Floor 1127,0 1127.0 GLA2 Sacond Floor 1127.0 1127.0 Ned LIVABLE Area (Rounded) 2254 LIVING P,REA BREAKDOWN Breakdown Subtotals First Floor 19.0 35.0 722.0 15.0 x 27.0 905.0 Second Floor 19.0 x 36.0 722,0 15.0 x 27.0 405.0 4ltems {Rounded) 2254 Form SKT.BIdSkI - "TOTAL for Windows" appraisal software by a la mode, inc. -1.800-NLAMDDE Subject Photo Page Pa #11 Borrower Cbent N1A Pro en ~ Atldr 5 102 N 26th Sl Cii Cam Hill Count Cumberland SIa1e Pa. Zi> Cotle 17011-3616 Lender M8T Bank Subject Front 102 N 26th Sl Sales Price N/A Gross Living Area 2,254 Total Roams 7 Total Bedrooms 4 Total Bathrooms 1.5 location good View good Site .21 acre+/- ~ Cualily good Age 110+1- Subject Rear Subject Street Form PIC3x5.SR - "TOTAL Ior Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE P e #1 PHOTOGRAPH ADDENDUM Borrower Clien? N/A Pro en ~ Adtlres 102 N 26th St Gjj Cam HIII Count Cumberland State Pa. Zip Cade 1 7 01 1-3616 Lender MBT Bank Form GPIC3X5 - "TOTAL for Windows" appraisal software by a la mode. inc. - 1-800-ALAMODE P e #13 Comparable Photo Page Borrower Cl;en! NIA Pro env Address 102 N 26th St Git~ Cam Hill Count Cumberland Stale Pa. Zip Code 17011-3616 Lender M&T Bank Comparable ' 209 N. 25th St Proz. to Subject 0.75 miles Salr; Price 266,000 Gross Living Area 1,970 Tonal Rooms 7 Total Bedrooms 3 Total Bathrooms 1.5 location good View good Site .20 acre+!- Quality good Aga; 70 Comparable 747 Country Club Rd Prox.toSubject 0.61 miles Sale Price 303,000 Gross Living Area 2,204 Total Rooms 8 Total Bedrooms 4 Total Bathrooms 2.5 Location good Vit;w good Site 46 acre+/- Ouallty good Aoe 65 Comparable 3 2911 Beverly Rd Proz.loSubject 0.56 miles Sale Price 248,000 Gross Living Area 2,052 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 2.5 Location good View good Site .25 acre+/- Ouatity average Age 49 Form PIC3x5.CR - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE Pa e#14 Location Map Borrower Client NIA Pro ert ~ Address 102 N 26th St - Cil Cam Hilt Coonl' Cumberland Slate Pa. Zi Code 17011-3616 Lender M8T Bank C ~. 6 .~ ~~~ ~ r _31Mp1Y 46rrlr ~_padN9 r o, . ~ ~ 'W ~' x ° ~~ ,. °~ w ~ .F° ~µ e.n ~ w' G ~ ,oc a.~ - . U k ~ ~nn~ 'e ¢ . ms f : ~ ;a ~ ~,~ ~ ~~ ~- - ' c - ~1 Yu . ' " t ~R. Z~ '4e ~,f ~~ Ct 9 N ~¢ hY fi 9 D v Dfn ~. `~Opyi_ t<F. . H~sY ~ . [. }4h ah ~~ '*'dD~ry ~ ~ r C 2 ~5 ~ 1m t'~ Q $ X .7i. '° W~ ~c~~. a 1-~ K~ pv F' b. ,4 ~ q 8'f4 Sc } ~Q. N st a J~~ ~ ~1 S~ ry 5 £ C N~'~ G.,c ~,y. :. i.Q4 C/b ~o ~~F fF ~ 'H ~N.. ~. ~ ' 'ktl ~ . ~@, (4~~ ~ ~' R ~ N W M1eM O. ~~ ~ ~ ~ ~ ~`~i ~ ,moo ~ ~' ~,a 7,d g 1 a l ~ '~ ,~ Y:f' R~ Ki1 9. ~ g ~~ - ~ ~ ~rn ~ ~ ~ a~ F .M'.~ y` 0~~ c , ~ ~~. $ ~ v , ~`~' ~ ~ xi ~. Y Sao ~` ~ . ~ ~ G ?~°` ,ygYp , = . ~, 4 J 'F' ~ `R .,~ q; _ .Noo~v` ,. was y Y .~ °jk4 q Gob Pa ~. HO ~ L~~ 5 h~, ¢„aR W" ~e ,~'~ ~:a ~ tf cloc~'~ ~~ `•~ ~' ~ n,~tiia :.~ cwt pi P ~. ~! (~° ~ m ,Y,.a~ 5' ~ ~ ~L Hi M S. 1Y~n h 14 7 „an ?~~ 9 ~ 7 hmbm > ~ . 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M ' ,.Wm~ R r ' G ~ J s _ _ E~ s .~ . - d~ ' form MAP.LOC - "TOTAL for Windows" appraisal sotlware by a la mode, inc. - 7 •E,OO-ALAMODE EXHIBIT B Estate Valuation Date of Death: 08/17/2010 Valuation Date: 08/17/2010 Processing Date: 09/07/2011 Estate of: Estate of Roberts S. Baldwin Account: Pershing Report Type: Date of Death Number of Securities: 18 File ID: Baldwin, Roberta S. Estate Pershing Shares Security Mean and/or Div and Int Security or Par Description High/Ask Low/Bid Adjustments Accruals Value i) 1431.996 AIM FDS GROUP (00191L103) INVSC GB CR EQ A Mutual Fund (as quoted by NASDAQ) 08/17/2010 11.71000 Mkt 11.710000 16,762.23 2) 886 AT&T INC (002068102) COM New York Stock Exchange 08/17/2010 27.10000 26.70000 H/L 26.900000 23,833.40 3) 376 BLACKROCK MUNIYIELD PA QLTY FD (092556107) COM New York Stock Exchange 08/17/2010 15.59000 15.53000 H/L 15.560000 5,850.56 Div: 0.072 Ex: 08/12/2010 Rec: 08/16/2010 Pay: 09/01/2010 27.07 9) 5 FAIRPOINT COMMUNICATIONS INC (305560104) COM New York Stock Exchange 08/17/2010 0.03800 0.03200 H/L 0.035000 0.18 5) 10897.436 FRANKLIN CUSTODIAN FDS INC (353496300) INCOME FD CL A Mutual Fund (as quoted by NASDAQ) 08/17/2010 2.06000 Mkt 2.060000 22,498.72 6) 1260.287 FRANKLIN TAX FREE TR (359723702) HI YLD T/F A Mutual Fund (as quoted by NASDAQ) 08/17/2010 10.27000 Mkt 10.270000 12,943.15 7) 3701.51 FRANKLIN TAX FREE TR (354723801) PA T/F INCM A Mutual Fund (as quoted by NASDAQ) 08/17/2010 10.48000 Mkt 10.480000 38,791.82 8) 71 FRONTIER COMMUNICATIONS CORP (35906A108) COM New York Stock Exchange 06/17/2010 7.69000 7.61240 H/L 7.651200 593.29 9) 822 INTERNATIONAL BUSINESS MACHS (95920D101) COM New YorY. Stock Exchange 08/17/2010 129.85000 127.90500 H/L 128.877500 105,937.31 Div: 0.65 Ex: 08/06/2010 Rec: 08/10/2010 Pay: 09 /10/2010 539.30 10) 5987 LORD ABBETT MUNI INCOME TR (593912208) PA SER CL A Mutual Fund (as quoted by NASDAQ) 08/17/2010 5.10000 Mkt 5.100000 30,533.70 11) 379.027 LORD ABBETT AFFILIATED FD INC (594001100) CL A Mutual Fund (as quoted by NASDAQ) 06/17/2010 9.92000 Mkt 9.920000 3,759.95 Page 1 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions, please contact EVP Systems at (818) 313-6300 or www.evpsys.com. (Revision 7.1.0) Date of Death: 08/17/2010 E°,tate of: Estate of Roberts S. Baldwin Valuation Date: 08/17/2010 Account: Pershing Report Type: Date of Death Processing Date: 04/07/2011 Number of Securities: 18 F ile ID: Baldwin, Roberta S. Estate Pershing Shares Security Mean and/or Div and Int Security or Par Description High/Ask Low/Sid Adjustments Accruals Value 12) 770.321 NEW PERSPECTIVE FD INC (648018109) COM Mutual Fund (as quoted by NASDAQ) 08/17/2010 29.96000 Mkt 29.960000 19,227.21 13) 2737.196 PUTNAM ASSET ALLOCATION FD (796499306) BALANCED PTF A Mutual Fund (as quoted by NASDAQ) 08/17/2010 10.10000 Mkt 10.100000 27,645.17 lq) 400 RITE AID CORP (767754104) COM New York Stock Exchange 08/17/2010 0.96000 0.92250 H/L 0.941250 376.50 15) 3033.316 VANGUARD PA TAX FREE FD (92204L104) LONG TAXEX INV Mutual Fund (as quoted by NASDAQ) 08/17/2010 11.27000 Mkt 11.270000 34,185.47 16) 297 VERIZON COMMUNICATIONS INC (92393V104) COM New YorY, Stock Exchange 08/17/2010 30.38000 29.99000 H/L 30.185000 8,964.95 17) 2145.636 WASHINGTON MUT ZNVS FD INC (939330106) COM Mutual Fund (as quoted by NASDAQ) 08/17/2010 24.41000 Mkt 29.410000 52,374.97 18) 1 WESTERN ASST MNG MUN FD INC (95766M105) COM New York Stock Exchange 08/17/2010 13.35000 13.26000 H/L 13.305000 13.31 5904,191.84 Total Value: 5561.37 Total Accrual: Total: 5909,753.21 Page 2 This report was produced with EstateVal, a product of Estate Valuations & Pricinq Systems, Inc. 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ACCOUNT TYPE 13394258 RELATIONSHIP CHECKING WITH INTEREST ROBERTA S BALDWIN :STATEMENT PERIOD PAGE JUL.2D-AUG.19,2010 2 OF 9 ACCOUNT ACTIVITY DATE TRANSACa1.on uc~~rt1~~~~~- - 80.00 08-11-10 CHECK NUMBER 7798 80.D0 08-11-10 CHECK NUMBER 7804 39.95 22,073.98 08-11-10 CHECK NUMBER 78D1 24.95 22,049.03 08-13-10 CHECK NUMBER 7803 80.00 21 9 9.03 08-16-10 CHECK NUMBER 7809 2,202.00 19,767.03 OS-17-10 CHECK NUMBER 78D6 52.95 19,714.D8 -10 reen Tru CHECK PYMT OOOOODOOOD07808 19,714.28 D8-18 g 0.20 08-19-10 INTEREST PAYMENT X19,714.28 ENDING BALANCE !CHECKS PAID :SUMMARY 7767 OS-04-10 65.00 7779* 07-20-10 19.05 61 106 3 7780 7784 07-23-10 08-D3-10 14D.00 14.70 7782* 07-20-1D 975.00 7783 7786 08-03-10 07-20-10 . , 80.00 7787 07-21-10 28 88 0 7785 07-20-10 77.63 7789 07-30-10 lO.OD 7790 07-21-10 300.0 00 15 7788 07-26-10 26.80 OD 44 7792 D7-23-10 365.00 7793 07-30-1D . 28 40 7791 07-23-10 . 00 25 7796* 07-27-10 80.00 7797 OS-03-1D OS-11-10 . 39.95 7794 7798 OS-02-10 08-11-1D . 80.00 7799 D8-09-10 72 50 24 95 7801* 7804 08-11-10 80.00 7802 OB-10-10 60.82 7803 OS-13-10 . 202.00 2 7809* 08-16-10 80.00 7805 08-11-10 2,ODO.DO 7806 08-17-10 , ANNUAL PERCENTAGE YIELD EARNED = 0.00 THIS IS A REMINDER THAT IMPORTANT REGULATORY CHANGES THAT COULD IMPACT YOUR MST CHECK CARD AND ATM TRANSACTIONS GO INTO EFFECT AFTER AUGUST 13, 2010 FDR ACCOUNTS OPENED PRIOR TO JULY 1, 2010 AND ARE CURRENTLY IN EFFECT FOR ACCOUNTS OPENED ON OR AFTER JULY 1, 2010. IF YOU WOULD LIKE TO LEARN MORE ABOUT WHAT THESE CHANGES MEAN TO YOU AND THE CHOICES YOU HAVE, PLEASE CALL US AT 1-877-378-1289 DR VISIT US AT WWW.MTB.COM/MANAGEMYACCOUNT. LOOBN (6l07j APPRAISAL-, S Y (COPS It is in my opinion, that, as of the date of death (d.o.d.) A10 sNl 26~ St0. Camp Hit PA 17011ue of the personal property of the Estate of Roberta Baldwin, Total Estate Fair Market Value (Seventy Seven Thousand Six Hundred Seventy Two Dollars and 'T'wenty Nine Cents) ($77,672.29} Items in the Possession of M&T Investment Grou Five Dollars and TwentyuNine Cents) 1 (Twenty Eight Thousand Eight Hun ($~ 895 ~ ) Items in the Possession of Sir Charles Furrier, 322 South Front St. Wormleysburg, PA 17043 (Five Hundred Dollars and Zero Cents) ($500.00) Items located. at Main Residence, ~ Seventy Seven Dollaps and Zero Cents) (Forty Eight Thousand Two Hu ($48 277 00) r pis A~praisa~ ices ~~ C.A. )hector annraisal report }zoberta ~~a~dwin state Pae~e 1 84 of zJ3 }bis A~~raisaljcrvices GLOSSARY Extraord~narv Assumption. An assumption, directly related to a specific assignment, which, if found to be false, could alter the appraiser's opinions or conclusions [USl'AP]. Fair Market Value. The price at which a propert co uudlsiongo band obeselleand both having and a willing seller, neither being under any p reasonable knowledge of relevant facts [IRS Regulation Section 1.170A-1(c)(2)]. Hypothetical Condition. That which is contrary to what exists but is supposed for the purpose of analysis [USPAP]. Replacement Value. The term replacement value refers to the amount that an entity would have to pay, at the present time, to replace any one of its assets [Wikipedia]. Sale Comparison Approach. This approach comparenanTOb~ transactions [W k pedi jcs with those of comparable objects that have recently sold ~bis ~,QPraisaljervices Roberta ~>aldwinstate Page ~ 85 0~ 273 CERTIFICATION OF APPRAISAL I certify that, to the best of my knowledge and belief: The statements of fact contained in this report are true and correct. - The reported analyses, opinions, and consonal nimrartiallt and unbiasedeprofessionals analyses, and limrtrng conditions and are my per P opinions, and conclusions. that is the subject of this report and no - I have no present or prospective interest in the property personal interest with respect to the parties involved. - I have no bias with respect to the property that is the subject of this report or to the parties involved with this assignment. _ My engagement in this assignment was not contingent upon developing or reporting predetermined results. _ My compensation for completingetor direcgtionen value thatnfavorstthe oauseeofethe~pient, the reporting of a predetermined val amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. _ My analyses, opinions, and conclusions P o essionapAppras al1Pracoce has been prepared, in conformity with the Uniform Standards of ,f - I have made a personal inspection of the property tharais le as bstance tolsthe person signing this - No one provided significant personal property app certification. This appraisal was based upnedhinf this report waspg thereld f otmnsour esocon~sidered reliable, personal 1. The information conta> examination, research of medefor matterscthap are legalen natureaunc1'.ludinrg, but not limited to: the 2. No responsibility is assu representation of others concerning the value, authenticity, condition, origin, or provenance of an item appraised. p p was sufficient to 3. The appraiser assumed that a normal and careful examination of the ro erty determine its quality and condition and that a d the exrenditure of funds thepeforedauthorized.to be utilized, unless these were specially requested P 4. The appraiser's court attendance and expert testimuse tep monyrequired, are not included as part of this report. The appraiser does have the right to ref It is the firm belief of the appraiser that the info o~° t but they are noh guapanteedi report and the conclusions drawn from this information are true and Ibis A~~raisa~ ~ervic s ~~s Lone ~ C.A. Divecto~r ~ Roberta ~aldwin state Pale 186 0~ 2J3 ~bis A~~raisal Services .~ PROPERTY DESCRIPTION A) Original Owners Nama BALDWIN RUSSELL K BALDWIN ROBERTA S (C) Holder Reporting Funds VODAFONE AIRTOUCH PLC (E) Holder Address and Contact STOCK TRANSFERlABANDONED PROPS 385 RIFLE CAI LITTLE FALLS NJ 07424 RICHARD ENGLANDER (973}247-4520 {B) Original Owner's Addreas as Repo»ed 713 MANOR RD CAMP HILL PA 17011-1718 713 MANOR RD CAMP HILL PA 17011-1718 (D) Last Transaction Date 12113/1999 (F) Type of Funds Reported DIVIDENDS (G) CeriiUcate, Policy or Check Number 2858 1,51 (H) Amount Reported A) Original Owners Neme BALDWIN RUSSELL K BALDWIN ROBERTA S (C) Holder Reporting Funds VODAFONE AIRTOUCH PLC (E) Holder Address and Contact STOCK TRANSFERlABANDONED PROPS 385 RIFLE CAI LITTLE FALLS NJ 07424 RICHARD ENGLANDER (973)247-4520 (A) Original Owners Name BALDWIN RUSSELL K BALDWIN ROBERTA S (C) Holder Reporting Funds VODAFONE AIRTOUCH PLC (E) Holder Address and Contact STOCK TRANSFER/ABANDONED PROPS 365 RIFLE CAt LITTLE FALLS NJ 07424 RICHARD ENGLANDER (973)247-4520 {B) Original Owners Address es Reported 713 MANOR RD CAMP HILL PA 17011-1718 713 MANOR RD CAMP HILL PA 17011-1718 (D) Lasl Transaction Date 12!13/1999 {F) Type of Funds Reported DIV REINVESTMENT (O) Certificate. Policy or Check Number 108555 10,197 (H) Amount Reported (B) Original Owners Addreas a:. Reported 713 MANOR RD CAMP HILL PA 17011-1718 713 MANOR RD CAMP HILL PA 17011-1718 (D) Last Transaction Dale 12113/1999 (F) Type of Funda Reported DIV REINVESTMENT (G) Cediricate, Policy or ChecN, Number 108555 54,45 (H) Amount Reported Total Cash Claimed 11,773.83 Total Shares Claimed 0.0000 RETURN CLAIM FORM AND DOCUMENTATION TO: Page 4 Bureau of Unclaimed Property I P•~• Box 1837 J Harrisburg, PA 17105-1837 11.800,.222.2046 www. patreasury.org 100634191 2/11/2011 ON ~ II r j' N II M r r 'I 0.O WQII z o x ~ aqqi i r C ~ O~ ~I C1 t ~ r r 1 Q 3M,W1 w Ilo~ QOG IIZI } a'~ - 1 ~ ~ 1~ 1 p'E II - ~ 10 M M ~ r r 441~N I N N ~ ~ r ( h ~ N (r~~ } II U 1 N N N M ~ ~ d 1-, 11 1 ~ ~ r II J 1 r r '- ~II a_ i r '- ~ IIUI aY Iz ~ \ \~ ~ 1 r Fop a 1 ~ ~~ 1 O W O 1 ~O ~- ~ r M yy O (y O r ~ Z6 F~ 1 ~ O ~ r Z 1 M M N r' rn W 1 '"' N ~ ~ ~ \ W ~ ; w r p V N I rr.. 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W4NQUX 1Wi. ~aax WSM2 ~>,D~W y0.y,,111~i 0.pp rTtW QIZI~. 7~~=~d( r~ W - ILl U ~ d ~F- 1 N~f-XO ~>QHXO N a~~UOW NWQ (SOW WW4 wljQ tmf) 'F-~14- ~zG wZY N N ~I a I a JF4-oC IX1Z JI-c --'O}-N,W~ 1 N e»ZZC WWf NZG NZG -Ot~N 0>C N i WWOCW> InWpCW> p~._Z0.'.F-NZ .N~W ~>4 a~W SSW p~W a r0 OGOW Q W O '' 1 fn9Wl-.' ~yO~aWF--~ xGJ_ WQ4k CI O ZWJ ~ O U-..pa xOJ ~ p~0y. ~xZ~ V rWO~I y! 1 NQWF-W NF-~WFa-W 44F-~Q~S4~~ NCI- C.)4'O GO.SF- fa-SF UO.oCr~O ~S4- USO a F-I-F- IO 1 r>WNO C]N>I+-NC Ua~ Z Y Za4 - r r '- r r r Z ~ F" - r r r r. r e- r m U W W ~ r \ \ \ \ p\p r\' ~ r- r C.) oC \ ~ N N M O O ~ a..a 1 ~ N N N M m ~ f W 0. I W I N \ \ \ \ `~ ~' oy ~ n. W I F- 1 \ M O O O O}GC Q I M M O O O O O S 1,. H a II O I O O t+~ ,• ~~ ~~~ . y Yr~~'y j' ~1 ~,~ C!~/il ~~v~~lry 56h®rn-r~-®m '~ "The Original JeweUy Showroom Since 1970 " i Reference NI/KR January 29,2011 FINE JEvJELRY APPRAISAL FOR ESTATE VALUATION PURPOSES ONLY presented As Inherited Property of : Bonnie R:r~ss Description: One ladies mult~nsisltsnofwadsingleeshanke(expanding) 9.0 grans and ement top with a ;wedding top segment and an engag segment. The wedding segment features four unifou~ round brilliant cut diamonds, each se~uVS2 Clarity prongs, which have an I Color Grade, Grades, and which have an individual estimated weight of .23 carat. The engagement segment features a maj or round brilliant cut center diamoGdad' )twhl~hd 1.22 carats, I Color Grade, VS2 Clarity is flanked on each side by a smaller round brilliant cut diamond (estimated .23 carat each, I Color Grade, VS2 Clarity Grade). Each of tYiesa three diamonds is secured by four prongs. Estimated Valuation For Estate Settlement ~?ur poses $1 , 921.50 Major Diamond 110) 660.00 Minor Diamonds (6 @ $ er ram) 198.00 Mounting { 9.0 gra,~s @ $22 P g $2,779.50 TOTAL FGM $1366 Oz. Rapaport Diamond Report V33 N38 Continued 4630 Paragon Park Road • Raleigh, North Carolina 27616 (9i9) 872-334G (,800j 334-8006 Fax (.919j 878-8634 The values set forth herein are ar_ eseWelre rna the purchased market price at which the appraised j Y Y in a retail jewelry store and do not necessarily refbecpurchased price at which the appraised or similar jeae:lry may at CMI Jewelry Showroom. Because jewelry appraisal and evaluation is not a pure science and is therefore subjective, estimates of replacement value may vary from one appraiser to another and such a variance does not necessarily constitute error on the part of the appraiser. restrict examination of some details of a gemstone. Most mountings ~ ~ r ,-emoved from the Unless .specifically stated that she s~..ones aae~e statements mounting and graded, or were graded prior to mounting'Y rovisional. referring toweolhtsaade°estimated(usingnvolumet-ricscalculation Approximate g ,~, a ~ spec;=evr and eStlmaLed replacemen~ Values are ;;~Seu C?rl G55~=iu: ~.: size and quality. 'T`i"l i S appraisal S!GU1d nGt :~c used a5 Giic La:=.LS iGr L"e dle of the items set forth herein, and :is provided solely as o-r s~ v , -replaCem~nt values of sai d i terns ar ai^. eStliilate Gf ap~rGr;.mate - '_ . t}. i g i_i Z?" a_!Ci ~~! o.CC , ACCGrCii ugly ; CNi J eWe1:L'y ~'CIGWTGvi111f and ~' O~v J _ _1 _ ~ ~ = ~-- iyl .h.ieSpeCt tG any lcgi:_ C J1J_G b t , ~ resin-t o- the yr.f cr:~na .. ~.on cen G' ^e L.. = L. C ~ 0.~ v l L t- j Q W!LlCi! mG~ this appraisal. This appraisal was performed by Mitchell Keith Rivenbark, CMI Jewelry Showroom Senior Staff Gemologist. The appraiser was awarded the Degree of Graduate Gemologist from the Gemological Institute of America (September 14,1.984), the Title of Registered the American Gem Society (March 22,1985), and the Jeweler by Degree of Master of Adult Education by East: Carolina University (December 16,1987). Diamor_d Color and Clarity Grades reflect rE~ference to the standards established by the Gemological institute of America. Instruments Used: Mark VI GemScope GEMl.DiamondLiteter GEM Table Gauge Master Color Comparison Stones M.Keith Rivenbark,GG Senior Staff Gemologist CMI J~nrelry Showroom 4630 Paragon Park Road Raleigh, North Carolina 27616 (919) 872-3346 1-800-334-8006 EXHIBIT D Estate Valuation Date of Death: 08/17/2010 Valuation Date: 08/17/2010 Processing Date: 09/10/2010 Shares Security or•Par Description High/Ask Low/Bid 1) 195.363 DODGE & COX BALANCED FD (25b201104; DODBX) COM Mutual Fund (as quoted by NASDAQ) Estate of: Roberta Baldwin Estate Account: 1020790 Report Type; Date of Death Number of 9ecurfties: 4 File ID: 3C(~058176 estate val Mean and/or Div and Int Security Adjustments Accruals Value 08/17/2010 62.95000 Mkt 62.950000 12,298.10 2) 44b.73 PAX WORLD FDS SER TR I (7042221081 PAXWX) BAL FD IND INV Mutual Fund (as quoted by NASDAQ) 08/17/2010 19.97000 Mkt 19.!370000 ~ 8, 921.20 3) 58b.095 .ROWE T PRICE PER3 STRAT&#Y FDS (77957L104; TRPBX) STRATRGY BALN Mutual Fund (as quoted by NASDAQ} 08/17/2010 17.26000 Mkt 17 .:?60000 10,116.00 4} 6768 Cash (CASH) 6,768.00 Pershing govt acct Total Value': $8,103.30 Total Accrual: $0.00 Total: $38,103.30 Page 1 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions, please contact SVP Systems at (818) 313-6300 or www.evpays.com. (Revision 7.1.1) Estate Valuation Date of Death: 08/17/2010 Valuation Date: 08/17/2010 Processing Date: 04/07/2011 Shares Security or Par Description High/Ask Low/Bid 1) 195.363 DODGE & COX BALANCED FD (256201109) COM Mutual Fund (as quoted by NASDAQ) 06/17/2010 2) 946.73 PAX WORLD FDS SER TR I (704223106) BAL FD IND INV Mutual Fund (as quoted by NASDAQ) 08/17/2010 3) 586.095 ROWE T PRICE PERS STRATEGY FDS (77957L109) STRATEGY BALN Mutual Fund (as quoted by NASDAQ) 08/17/2010 Total Value: Total Accrual: Total: 531,335.30 -~- i~~ ~ 3W C.e~.o-~1 ~ 3~, 103-V`~ Estate of: Roberta Baldwin Estate Account: IRA Report Type: Date of Death Number of Securities: 3 File ID: Baldwin, Roberta S. Estate IRA Mean and/or Div and Int Security Adjustments Accruals Value 62.95000 Mkt 62.950000 12,298.10 19.97000 Mkt 19.970000 6,921.20 17.26000 Mkt 17.260000 10,116.00 531,335.30 50.00 Page 1 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. If you have questions, please contact EVP Systems at (818) 313-6300 or www.evpsys.com. (Revision 7.1.0) O 0 a `~ C 'O O 2 01 t'/1 n N ~ O U .~ M O ---- N ~ ono O ~"~ W Z c o a 4 m H H W m a O LL Q ~~ z ..~ ~; o au U H Q 0 u ~ Q T ~- ~. 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