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HomeMy WebLinkAbout12-29-11 (3)1505611188 REV-1500 EX(02-11)(FI) pennsyivania OFFICIAL USE ONLY PA Departmentof Revenue """"r""""""'~~ County Code Year File Number Bureau of Individual Taxes INHERITANCE TAX RETURN Po Box zaoao, 21 11 0 4 4 7 Harrisburg, PA ,7128-060, RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 196 14 7721 04 02 2011 09 17 1923 Decedent's Last Name Suffix Decedent's Frst Name MI Houser Joanne W (If Applicable) Enter Surviving Spouse's Informaton Below Spouse's Last Name Suffix Spouse's Frst Name Ml Spouse's social security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW [I• 1. Original Retum O 2. Supplemental Retum 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 12-12-82) ti 6. Decedent Died Testate D 7. Decedent Maintained a Living Trust 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust) p 9. Litigation Proceeds Received l~ 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 Robert C• Saidis, Esquire 717 243 6222 Frst Line of Address 26 West High Street Second Line of Address City or Post Office Carlisle State ZIP Code PA 17013 REGISTE~F WILLS USEONLY -. r--- :_ __ = T} -- TJ'ATEyFILED ` t•. Correspondents a-mail address: rS81dIS@SSr-attOfrteyS.COftl 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 the preparer otherthan personal representative is based on all information of which preparer has any knowledge. See schedule Carlisle, PA 17013 PLEASE USE ORIGINAL FORM ONLY Side 1 1505611188 1505611188 Estate of: Joanne W. Houser Executor Deborah H. Kroehler Robert C. Houser, Jr. 10200 Wailers Road 96 Fairview Street Partlow, VA 22534 Carlisle, PA 17015 196-14-7721 1505611288 Rev-1500 EX (FI) Decedent's Name: Joanne W House r RECAPITULATION 1. Real Estate (Schedule A) ......................................... 1. 2. Stocks and Bonds (Schedule B) •••••••••••••••••••••••••••••••••••• 2• 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) • • • • • • 3. 4. Mortgages and Notes Receivable (Schedule D) ...... • . • • • • • • • • • • • • • • • • • 4. 5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E) ....... 5. 6. Jointly Owned Property (Schedule F) O Separate Billing Requested • • • • • • 6. 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) O Separate Billing Requested ...... 7. 8. Total Gross Assets (total Lines 1 through 7) ............................ 8. Decedent's Social Security Number 196 14 7721 375,000.00 591,185.07 0.00 0.00 201,932.08 43,359.25 67,862.04 1,279,338.44 9. Funeral Expenses and Administrative Costs (Schedule H) ....... • ... • .. • • • • 9. 10. Debts of Decedent, Mortgage Liabilities, and Liens (Schedule I) ............. 10. 11. TotalDeductlons(totalLines9and10) ............•.••.•.••••••••••• 11. 12. Net Value of Estate (Line 8 minus Line 11) ................... • . • .. • • • • • 12. 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. 49,856.94 8,35D•69 58,207.63 1,221,130.81 o.DD 1,221,130.81 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 .00 D • D D 15. 16. Amount of Line 14 taxable 1, 2 21,13 0 • 81 at lineal rate x .045 i s. 17. Amount of Line 14 taxable D • D D at sibling rate X .12 17 18. Amount of Line 14 taxable 0 ' D 0 at collateral rate X .15 18 19. TAX DUE .................................................... 19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Slde 2 0.00 54,950.89 o.oo 0.00 54,950.89 0 L 1505611288 1505611288 Rev-1500 EX (FI) Page 3 Decedent's Complete Address: File Number 21 11 0447 DECEDENTS NAME Joanne W. Houser STREET ADDRESS 1103 Holl Pike CITY Carlisle STATE PA ZIP 17013 Tax Payments and Credits: 1. Tax Due (Page 2 Line 19) 2. Credits/Payments A. Prior Payments B. Discount (1) 54, 950.89 45,000.00 2,368.35 Total Credits (A + B) (2) 3. Interest 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. FIII In oval on Page 2, Llne 20 to request a refund. (3) 47.368.35 0.00 (4) 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) 7, 582.54 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 propertytrar~sferred ....•..•••.••.••••••.•••••••••••••••• ^ b. retain the right to designate who shall use the property transferred or its income ................ ^ c. retain a reversionary interest ................................................... ^ d. receive the promise for life of either payments, benefits or care? .... • ............... • .... • . ^ 2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? ....................................... ^ 3. Did decedent own an 'in trust 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 the 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 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. Sect. 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. Sect. 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. 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. REV-1502 EX+(Ot-10) ~~ Pennsylvania SCHEDULE A IiF VAp TM[~ Ki Qf~ Rk'V4'N~u£ INHERITANCETAXRETURN REAL ESTATE RESIDENTDECEDENT ESTATE OF: FILE NUMBER: Joanne W. Houser 21 11 0447 All real property owned solely or as a tenant in common must be reported affair market value. Fair marketvalue is defined as the price at which property would be exchanged between a willing buyerand a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevantfacts. Real propertythatisjointly-owned with rightof survivorship must be disclosed on Schedule F. Attach a copy of the settlement sheet if the property has been sold. ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 1103 S. Hanover Street (a/k/a Holly Pike) Carlisle, PA 17013 200,000.00 Per appraisal 2 26 Rolling Drive; Carlisle, PA 175,000.00 Per appraisal TOTAL (Also enter on Line 1, Recapitulation.) ~ 375,000.00 If more space is needed, insert additional sheets of the same size. REV-1503 EX+(8-98) COMMONWEALTH OF PENNSYLVANIA INH ERITANCE TAX RETURN RESIDENTDECEDENT SCHEDULE B STOCKS & BONDS ESTATE OF FILE NUMBER Joanne W. Houser 21 11 0447 All property jointly-owned with right of survlvorhslp must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 ACNB Corp 14,440.55 2 Alcatel-Lucent ADR 228.15 3 American Finl Group Inc. Ohio 106.88 4 Astrazeneca PLC 9,334.00 5 AT&T Inc. 4,481.11 6 CBS Corp New CI B 16,240.82 7 Coca Cola Co 6,725.75 8 Cracker Barrel Old Ctry Store 4,908.00 9 Diebold Inc 7,065.50 10 Exxon Mobil Corp 16,900.50 11 Fulton Financial Corp PA 38,523.33 Dividend on above stock declared prior to decedent's death 135.96 12 Heinz H J Co 4,899.50 Dividend on above stock declared prior to decedent's death 45.00 13 Hershey Co 54,497.50 14 Kellogg Co 5,409.25 15 LSI Corp 66.74 16 M&T Bank Corp 109,604.40 17 Merck & Co Inc New 1,892.83 Dividend on above stock declared prior to decedent's death 21.66 18 PPG Industries Inc 9,578.50 19 Rite Aid Corp 105.50 Total from continuation Schedule(s) 285,973.64 TOTAL (Also enter on line 2, Recapitulation) 591,185.07 (If more space is needed, insert additional sheets of the same size) Estate of: Joanne W. Houser Schedule B -Stocks and Bonds Item Number Description 20 Susquehanna Bancshares Inc PA 21 Syngenta AG 22 Viacom Inc. 23 Vanguard Specialized Portfolio Div Grw Fd Per Estate Val and Vanguard 6/23/11 letter 24 Vanguard Star Fund Per Estate Val and Vanguard 6/23/11 letter 25 Vanguard Wellesley Income Fund Per Estate Val and Vanguard 6/23/11 letter 26 Vanguard PA Tax Free Fund Per Estate Val and Vanguard 6/23111 letter Dividend on above stock declared prior to decedent's death 27 Templeton Growth Funds Inc CI C 28 Investors Mun PA Unit Tr UT 2nd Ser Dividend on above stock declared prior to decedent's death 29 PA Insd Muns Income UT Ser 106 Dividend on above stock declared prior to decedent's death 30 Bethlehem PA New Pub Hsg due 2/1/12 Interest on above bond accrued as of decedent's death Page 2 21 11 0447 Value at Date of Death 11, 340.02 1,589.15 30,802.07 83,114.32 17,648.79 77,189.68 39,895.78 8.98 17,802.24 324.81 10.26 1, 060.08 25.35 5,119.75 42.36 TOTAL. (Carry forward to main schedule) ...... 285,973.64 REV -1508 EX+(t t-10) Pennsylvania SCHEDULE E l)kPAH iN.~N7 Of AFYw~NGfi CASH, BANK DEPOSITS, & MISC. INHERITANCETAXRETURN PERSONAL PROPERTY RESIDENTDECEDENT ESTATE OF: FILE NUMBER: Joanne W. Houser 21 11 0447 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM NUMBER - DESCRIPTION VALUE AT DATE OF DEATH 1 Sovereign Bank Savings Account 2894020789 9,623.13 2 HD Vest Financial Services Account 1564-1789 180,460.53 Per statement 3 Misc. Household Items/Furnishings 4,000.00 4 1994 Ford Escort 2,000.00 $2,200 per kbb.com -value reduced due to vehicle being in poor condition 5 South Middleton School District Health Care Premium Refund for months of 1,059.72 May and June 2011 6 PA Department of Revenue PA-40 Refund 196.00 7 State Farm Mutual Automobile Insurance Company Refund 19.62 Health Operations Center for service 2/6/11- Medicare Supplement Plan F 8 State Farm Mutual Automobile Insurance Company Refund 726.22 Health Operations Center 9 Saidis, Sullivan & Rogers, refund of retainer for legal fees paid prior to 950.00 Decedent's date of death 10 State Farm Mutual Automobile Insurance Co Refund for service 03/26/11 33.80 11 Cumberland Goodwill Fire Rescue EMS Refund 83.51 12 State Farm Mutual Auto Insurance Medicare Supp Refund 13.65 13 Social Security Check 2,765.90 TOTAL (Also enter on line 5, Recapitulation) 201,932.08 If more space is needed, insert additional sheets of the same size REV-1509 EX+(01-10) ~ i`~ Pennsylvania ~...... OE:PAwI MAN'?' Q3~ R['VE: Nil t' INH ERITANCE TAX RETURN RESIDENTDECEDENT SCHEDULE F JOINTLY-OWNED PROPERTY ESTATE OF: FILE NUMBER: Joanne W. Houser 21 11 0447 If an asset became jointly owned within one year of the decedent's date of death, It must be reported on Schedule G. SURVIVING JOINT TENANT(S) NAME(S) ADDRESS RELATIONSHIP TO DECEDENT A. Jennifer J. Houser 96 Fairview Street Carlisle , PA 17013 Daughter-in-law B. c. JOINTLY-OWNED PROPERTY: ITEM NUM. LETTER FOR JOINT TENANT DATE MADE JOINT DESCRIPTION OFPROPERTY.INCLUDENAMEOFFINANCIAL INSTITUTION AND BANK ACCT NUMBER OR SIMILARIDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY-HELD REAL ESTATE. DATE OF DEATH VALUE OF ASSET %OF DECD'S INTEREST DATE OF DEATH VALUE OF DECEDENTS INTEREST 1 A 6/05/09 Sovereign Bank Checking Account 60,843.78 0.000 30,421.89 2891026446 jointly owned with Decedent's daughter-in-law, Jennifer J. Houser Total value of account $60,843.78 2 A 6/05/09 Sovereign Bank Money Market Account 25,874.71 50.000 12,937.36 2894079206 owned jointly with Decedent's daughter-in-law, Jennifer J. Houser Total value of account $25,874.71 TOTAL (Also enter on Line 6, Recapitulation) ~ 43,359.25 If more space is needed, use additional sheets of paper of the same size. REV-1510 EX+(08-09) r~ Pennsylvania I~F:PAR TMG N'r Clf~ Rf~Yi'N''~i£ INHERITANCE TAX RETURN RESIDENTDECEDENT SCHEDULE G INTER-VIVOS TRANSFERS AND MISC. NON-PROBATE PROPERTY ESTATE OF FILE NUMBER Joanne W. Houser 21 11 0447 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. ITEM NUM DESCRIPTION OF PROPERTY INCLUDE NAME OF TRANSFEREE, RELATIONSHIP TODECEDENT& DATE OF TRANSFER. ATTACHCOPYOFDEEDFORREALESTATE DATE OF DEATH VALUE OF ASSET %OFDECD'S INTEREST EXCLUSION (IFAPPLICABLE) TAXABLE VALUE 1 Wells Fargo IRA 55,862.04 100 55,862.04 Beneficiaries: Decedent's children, Robert C. Houser, Jr., Deborah H. Kroehler, Priscilla H. Engle, and Diane H. Henderson Per Estate Val 2 $5,000 cash gift to Decedent's grandson, Keith 5,000.00 100 3,000.00 2,000.00 W. Henderson 6/17/10 3 $5,000 cash gift to Decedent's granddaughter, 5,000.00 100 3,000.00 2,000.00 Ellen Cherricks 6/17/10 4 $5,000 cash gift to Decedent's granddaughter, 5,000.00 100 3,000.00 2,000.00 Lindsey A. Henderson 6/17/10 5 $5,000 cash gift to Decedent's grandson, Scott 5,000.00 100 3,000.00 2,000.00 J. Houser 6/17/10 6 $5,000 cash gift to Decedent's granddaughter, 5,000.00 100 3,000.00 2,000.00 Michelle Houser 6/17/10 7 $5,000 cash gift to Decedent's granddaughter, 5,000.00 100 3,000.00 2,000.00 Elaine Maloy 6/17/10 TOTAL (Also enter on Line 7, Recapitulation) I 67,862.04 If more space is needed, use additional sheets of paper of the same size. REV-1511 EX+(t0-OB) i~ Pennsylvania SCHEDULE H i_I.vAR7MK NC [1t~ REVF N.u; FUNERAL EXPENSES AND INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER Joanne W. Houser 21 11 0447 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1 Hollinger Funeral Home & Crematory, Inc. 3,853.67 2 Allenberry, memorial dinner 1,476.00 B. ADMINISTRATIVE COSTS: 7. Personal Representative Commissions: Name(s) of Personal Representative(s) Street Address City State Zip Year(s) Commission Paid: 2. Attorney Fees 32,382.00 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation.) Claimant Street Address City State Zip Relationship of Claimant to Decedent a. Probate Fees: 743.50 5. I Accountant Fees: 6. Tax Retum Preparer Fees: See schedule attached 11,401.77 TOTAL (Also enter on Line 9, Recapitulation) I 49,856.94 If more space is needed, use additional sheets of paper of the same size. Estate of: Joanne W. Houser Schedule H, Part B -Administrative Costs Miscellaneous Expenses Page 2 21 11 0447 Item Number Description Amount 7 Register of Wills, additional probate fee 100.00 8 Cumberland County Register of Wills, filing fees 30.00 9 Saidis, Sullivan & Rogers, reserve for misc. expenses 250.00 10 Comcast 67.30 11 Stott & Stott, preparation of 2010 income tax returns 350.00 12 Deborah Kroehler, reimbursement for out of pocket expenses paid by 1,361.85 Deborah Kroehler to Petsmart and Office Max ($613.71), Diane Henderson to Walmart, Weis, Home Depot ($609.42), and Jennifer Houser to Walmart, Giant, Home Depot, Walmart ($138.72) 13 Comcast Central PA 67.31 14 PPL Electric Utilities 70.91 15 The Sentinel 176.92 16 Century Link 174.04 17 Borough of Carlisle, sewer/water 26 Rolling Drive 51.22 18 Deborah Kroehler, reimbursement for payments for postage and to Home 51.88 Depot 19 PPL 45.41 20 Comcast 67.31 21 S.W. Barrett Real Estate & Appraisal Services 700.00 22 Jennifer J. Houser, reimbursement for payment to Culbertson for tree 50.00 cutting 1103 Holly Pike 23 Cumberland Valley Tree Service 1,138.00 ($481 remove branches at 1103 Holly Pike/$657 remove branches/clean up at 26 Rolling Drive) 24 J.J. Cherricks Construction, repairs 675.00 ($415 clean gutter/pump fee/install shut-off valve/repair rafter re: 1103 S. Hanover Street/$260 repair shingles and replace gutter 26 Rolling Drive) TOTAL. (Carry forward to main schedule) ...... 5,427.15 Page 3 Estate of: Joanne W. Houser 21 11 0447 Schedule H, Part B -Administrative Costs Miscellaneous Expenses Item Number Description Amount 25 Kemper, A Unitrin Business, insurance for 1103 Holly Pike 1,063.00 26 PPL 41.97 27 Centurylink 87.02 28 Gary Hendersori, reimbursement for dehumidifier 254.39 29 Comcast 67.31 30 Borough of Carlisle, waterlsewer 59.76 31 Vital Records, death certificates 54.00 32 Deborah Kroehler, reimbursement for out of pocket expenses (Cash 181.87 payment received from previous Rolling Drive Tenant for water and sewer $226 minus $15 gas for lawn mower, $85.61 Walmart for broomlporch supplies, $19.60 Home Depot for trash bags, $37.38 Staples for pens, copies, document covers, $6.24 postage, $44.04 Home Depot, trash bags, bounty, $200 Tim Wheeler, Pastor who officiated Memorial Service) 33 PPL 64.07 34 Centurylink 94.52 35 Comcast 70.92 36 Saidis, Sullivan & Rogers, out of pocket expenses 150.63 37 J J Cherricks Construction, trash removal and trailer rental $600; 12 hours 840.00 labor cleaning barn $240 38 Kemper, A Unitrin Business, insurance for Rolling Drive 501.00 39 Centurylink 86.38 40 PPL 80.28 41 Comcast 70.92 42 Deborah Kroehler, reimbursement for payments to Home Depot ($49.20), 69.18 and US Post Office ($19.98) 43 Robert C. Houser, Jr., mowing 50.00 TOTAL. (Carry forward to main schedule) ...... 3,887.22 Estate of: Joanne W. Houser Schedule H, Part B -Administrative Costs Miscellaneous Expenses Page 4 21 11 0447 Item Number Description Amount 44 Century Link ($86.38 minus $31.76 refund) 54.62 45 PPL Electric Utilities 65.46 46 Comcast 70.91 47 PPL 48.36 48 Comcast 70.91 49 Carlisle Petroleum Inc, clean and service 179.95 50 Carlisle Petroleum Inc 135.02 51 Mainhart Mechanical 145.00 52 Kemper, A Unitrin Business 1,217.00 53 PPL 29.26 54 Comcast 70.91 TOTAL. (Carry forward to main schedule) ...... 2,087.40 REV-1512 EX+(12-08) ~, Pennsylvania IJ f: VAR7 M4Ni nG Rk'.V±~N'uF INHERITANCE TAX RETURN RESIDENTDECEDENT SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES & LIENS ESTATE OF FILE NUMBER Joanne W. Houser 21 11 0447 Report debts Incurred by decedent prior to death that remained unpaid at the date of death, including unrelmbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Gary Henderson, rental property maintenance 900.00 2 CMS Medicare Payment 461.60 3 US Treasury, 2010 individual income tax 1,297.00 4 CenturyLink Telecom 87.18 5 PPL 62.12 6 In Your Home Care (services 03/30/11-4/2/11) 1,303.75 7 M&T Bank, safe deposit box rental (box closed prior to date of death) 29.90 8 Carlisle Petroleum Inc. 665.11 9 Cumberland Crossings 1,059.05 10 Carlisle Borough Tax Account, 2011 real estate taxes 1103 S. Hanover 2,453.38 Street $1427.77, 2011 Per Capita Taxes $4.90, 2011 real estate taxes 26 Rolling Drive & Holly Pike $1,020.71 Bill date 03/01/11 11 Cumberland Crossings 31.60 TOTAL (Also enter on Line 10, Recapitulation) 8,350.69 If more space is needed, insert additional sheets of the same size. REV-1513 EX+(01-10) ~~ Pennsylvania SCHEDULE J !]t NAE1Mi N i Os~ NkVf'Niitl INH ERITANCE TAX RETURN BENEFICIARIES RESIDENTDECEDENT ESTATE OF: FILE NUMBER: Joanne W. Houser 21 11 0447 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBE NAME AND ADDRESS OF PERSONS RECEIVING PROPERTY Do Not List Trust s OF ESTATE z TAXABLE DISTRIBUTIONS [Include outright spousal distributions, and transfers under Sec. 9116(a)(1.2).] See schedule attached ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 TH ROUG H 18 OF REV-1500 COVER SH EET, AS APPROPRIATE. TT NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. If more space is needed, use additional sheets of paper of the same size. Estate of: Joanne W. Houser Schedule J, Part I -Taxable Distributions Num. _ Name and Address of Person(s) Receiving Property Relationship to Decedent Deborah H. Kroehler Daughter 10200 Wailers Road Partlow, VA 22534 Robert C. Houser, Jr. Son 96 Fairview Street Carlisle, PA 17015 Priscilla Engle Daugher Box 116 Amberson, PA 17210 Diane Henderson Daugher 1782 Autumnwood Drive Mechanicsburg, PA 17055 Elaine L. Maloy Granddaughter 150 W. Areba Avenue Hershey, PA 17033 Ellen E. Cherricks Granddaughter 27 Slate Lane Newville, PA 17241 Scott Houser Grandson 9 Wiltshire West Carlisle, PA 17015 Michelle Houser Granddaughter 2926 Sydenham Street Philadelphia, PA 19145 Keith Henderson Grandson 1782 Autumnwood Drive Mechanicsburg, PA 17055 Lindsey Henderson Granddaughter 560 Westminster Pike Westminster, MD 21157 Jennifer J. Houser Daughter-in-law 96 Fairview Street Carlisle , PA 17013 Page 2 21 11 0447 Amount or Share of Estate 283, 942.89 283, 942.89 283,942.89 283, 942.89 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 7,000.00 43,359.25 LAST WILL AND TESTAMENT OF JOANNE W. HOUSER I, Joanne W. Houser, of Carlisle Borough, Cumberland County, Pennsylvania, being of sound and disposing mind, memory and understanding, do hereby make, publish and declare this as and for my Last Will and Testament, hereby revoking all other Wills and Codicils heretofore made by me. FIRST I direct the payment of my just debts and expenses of my last illness and funeral from my estate as soon after my death as conveniently may be done. Further, I direct that my body be cremated and that my remains be disposed of as my personal representative shall deem appropriate. SECOND I give, devise and bequeath the sum of five thousand SAIDIS, FLOWER ~ LINDSAY A'i'IDRNEYS•AT'•UW 26 West High Street Carlisle, PA ($5,000.00) dollars to each of my grandchildren living at the time of my death. THIRD All the rest, residue and remainder of my estate I give devise and bequeath to my children, Priscilla H. Engle, Robert C. Houser, Jr., Deborah H. Kroehler and Diane H. Henderson, per stirpes. FOURTH I direct that any and all inheritance, estate, and transfer taxes imposed upon my estate passing under this Will or otherwise shall be paid out of the principal of my residuary estate. FIFTH In addition to the powers conferred by law, I authorize any personal representative, trustee or guardian acting under this instrument, in their absolute discretion: A. To retain in the form received, or to sell either at public or private sale any real or personal property; B. To exercise any options to subscribe for stocks, bonds, or other investments; C. To join in any plan of lease, mortgage, consolidation, exchange, reorganization or foreclosure of any corporation in which my estate or any trust may hold stocks, bonds or other securities; D. To sell, transfer, convey, mortgage, pledge, lease t SAIDIS, FI;OWER ~ LIlVDSAY ATipRNEYS•AT•IA~S' 2C West High Street Carlisle, PA or exchange any property, real or personal, which at any time may form part of my estate, for the payment of debts or taxes, or for any purpose of administration or distribution, for such prices and upon SLlch terms as my personal representative, in their sole discretion, may deem wise, and to execute and deliver deeds of conveyance or transfer thereof; 2 E. To make settlements and compromises on such terms ash my personal representative in their sole discretion may deem wise without the necessity of obtaining any court approval thereof; F. To make distribution hereunder either in cash or kind, as my personal representative in their discretion may deem wise. szxTx I do hereby nominate, constitute and appoint my children, Robert C. Houser, Jr. and Deborah H. Kroehler to act as Co- Executors of this my Last Will and Testament. In the event either Robert C. Houser, Jr. or Deborah H. Kroehler is unwilling or unable to serve, I direct the duties of Co-Executrix to be performed by Diane H. Henderson. SEVENTH I direct that no personal representative, guardian, trustee SAIDIS, F7~CJWER ~ LINDSAY ATlORNEYS•AT IAW 2G Wesc High Street Carlisle, PA or other fiduciary appointed under this instrument shall be required to give bond for the faithful performance of their duties in any jurisdiction. IN WITNESS WHEREOF, I, Joanne W. Houser, have hereunto set my hand and seal to this my Last Will and Testament, consisting of three typewritten pages, the first two of which bear my initials in the margin for identification, this 18th day of June,! 2010. J nne W. Houser 3 Signed, sealed, published and declared by the above-named Joanne W. Houser, Testatrix, as and for her Last Will and Testament in the presence of us, who have hereunto subscribed our names at her request as witnesses thereto, in the presence of laid Testatrix fj~and of each other . .J COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND ADDRESS 26 West High Street Carlisle, PA 17013 ADDRESS 26 West High Street Carlisle, PA 17013 We, Joanne W. Houser, Tanya L. Ware and Phyllis McCoy, the Testatrix and witnesses, respectively whose names are signed to the foregoing or attached instrument, being first duly sworn, do hereby declare to the undersigned authority that the Testatrix signed and executed the instrument as her Last Will and Testament and that she signed willingly and that executed as her free 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 the time eighteen (18) or more years of age, of sound mind and under no constraint or undue influence. °Nd' W.~-u,~.c.' Joax~#~.e W. Houser J Tanya Ware, Witness ~~ ~~ C' Phyllis McCoy, Wi ss SAIDIS, FIAWER ~ LINDSAY ATTORNEYS•AT•IAW' 26 West High Street Carlisle, PA Subscribed, sworn to and acknowledged before me by Joanne W. Houser, the Testatrix, and subscribed to and sworn or affirmed to before me by Tanya L. Ware and Phyllis McCoy, witnesses, this 18th day of June 2010. r~ ---`> , ' Notary Public NOTARIAL SEAL BARBARA E. STEEL, Notary Public Carlisle Boro, Cumberland County, PA My Commission Expires June ?, 2011 4 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 014587 KROEHLER DEBORAH H 10200 WALLERS ROAD PARTLOW, VA 22534 fold ESTATE INFORMATION: SSN: 796-74-7721 FILE NUMBER: 21 1 1 -0447 DECEDENT NAME: HOUSER JOANNE W DATE OF PAYMENT: 06/ 1 6/201 1 POSTMARK DATE: 06/16/201 1 COUNTY: CUMBERLAND DATE OF DEATH: 04/02/201 1 REMARKS: RECEIPT TO ATTY CHECK# 1 1 1 SEAL ACN ASSESSMENT AMOUNT CONTROL NUMBER 101 ~ $45,000.00 TOTAL AMOUNT PAID: INITIALS: WZ REV-1162 EX(11-961 545,000.00 RECEIVED BY: GLENDA EARNER STRASBAUGH REGISTER OF WILLS TAXPAYER S. W. BARRETT REAL ESTATE AND APPRAISAL SERVICES HIE N0. 7 7 -U7 U4 APPRAISAL OF v LOCATED AT: 1103 S. Hanover Street Carlisle, PA 17013.4446 CLIENT: Saidis, Sullivan & Rogers 26 West High Street Carlisle, PA 17013 AS OF: April 2, 2011 BY: Stan A. Skowronek PA Certffled Reaidentlal Real Estate Appraiser v S. W. BARRETT REAL ESTATE AND APPRAISAL SERVICES Foe No. 11-0104 a osrlarzoll Saidis, Sullivan & Rogers 26 West High Street Carlisle, PA 17013 File Number: 11-D104 In accordance with your request, i have appraised the real property at; 1103 S. Hanover Street Carlisle, PA 17013-4446 The purpose of this appraisal is to develop an opinion of the defined value of the suhject property, as improved. The property rights appraised are the fee simple interest in the site and improvements. In my opinion, the defined value of the property as of ApriPZ, 2011 is: Szoo,ooo Two Hundred Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value; descriptive photographs, assignment conditions and appropriate certifications. Stan A. Skowronek PA Certified Residential Real Estate Appraiser Summary Residential Appraisal Report prNG. 11-oloa The purpose of Uds appreaal repod is to prwida the teem with a credNle opinion of me tlefned value of the subjad praperry, given rite inlentled use of the apgelsal. diem NameOntentletl user Saidis Sullivan 8: Ro ers Email NIA CaentAddress 26 West Hi h Street Ci Carlisle slate PA Z 17013 AtldiOonal Intended users The Intended User of this a sisal re ort is the Client. No additional intended Users are ermitted without the ermission of the a raisers . Imm~deduse The Intended Use is to evaluate the roe that is the sub act of this a raise) to rovide the Client with an accurate and ads uatel su acted o infon of value. Pr Address 1103 S. Hanover Street c Carlisle stale PA 17013.4445 Owrrerol PUbac Retrord Houser Robert C.BJoanne Coun Cumberland L al Desni lion Daed Book R21 Pa a 819 " AssessorsParcela 51-23-0598-031 Tax Year 10111 R.E.7axesE 4 556.00 Ne' hborhood Name Borou h of Carlisle Ma Reference 23-0598 CemvsTrad 0124.00 Pr R' hts A ailed X Fee Sim Leasehold gher describe research did X did not reveal for sales ar uanslas at Ne su ' u r r br 01e Three acs ' br b the eMedive date GI TMs a regal. Prior SaklTrensler: Date OBI12/1965 Price 1 Sources Dead AneyrsisolpriorseleorlransferMStoryalNesubjedpraperry(endcotnpamblesales,ilapplkable) No riortrensfersofthesub•eetwithinthe ast36 - months. Com arable #1 last transferred on November 15 2010 for 1.00. Olkrings,aptionsandcontraclsasollheeaectiuedaleoltheappreisel None known !3: ,'~ ~ tl "`i`re S~9i 'o r ` t ' a v` `!i"a ti' .. r$"Sq Location Urban X Suburban Rwef Pro er values Increasnl X Stable Oed PRICE _ AGE One-Unit 65 % Bua~ Over 75% X ZS75% Untler 25% Daman Shona X Ut Batanrc Over Su 5000 rs 2.4 Unll 0 % GtawN Ra ld X Stable lbw MarkeUn Tune Under 3 mlhs X 3•B rn0s Over 6 mlhs 140 Low N8W MuIU•Fam' 0 % • Neghborhood Boundaries The sub'ect is bounded on.the north b Willow St on the east b 225 H h 85 Commercial 20 % the Letort Creek on the south b Walnut Bottom Rd and on the west b H)Ik Rd. 180 Fred. 10 gher Vac 1544 Nelptllwrlrootl description The sub'act is located off of Houser Lane which exten t; off of South Hanover Street. The Letort Creek is '~ to the rear of the acres e. Newer townhomes are ad scent to the front of the acres a with a small commercial mall within Its ne) hborhood. it la within close roximi to ammenities such as schools sho in and em to ment. Market Conditions (mduding suppod for the above andusbns) See Attached Addendum Dtmm~sions See le al descri lion Area 4,67 Acres mli sh Irre ular view ResidanUal ed0c2o Ckss0lcadon OS ZoNn Desa don O en 3 ace Zonin Co fiance Le al X Le I Nor¢Gnlot Grandktheretl Use No Toni INe I describe B the highest and be51 use of Ina subject pmperry as Improved (or as proposed per plans and specificeUOns) Ne present use? X Yes No II No, descrbe. Uti111ies Public O[her tleacrlba Publk Other describe OtF-cltalm ravements-T a Puhlle Private Elecuk X water X Well Street Macadam X Gas sans sewer X Sa tic Alle None slleComments The sub act is seviced b well and se tic. Laterals were not made availahle to the sub act site for future connection to ublic water and sewer er Borou h of Carlisle. ,:~~ty.>r{,: ~G`i='~~ .. .p r •j31.`' .. ~ ~ ~ 6 I r i 'gale Td` Unts X One OnewlACC.unt CorrcreteSlab CrevAS ee r-oundationWeOs StonelAv Fbors H1PnNn/Av aolslorMs 2 FullBasemett X PaNalBasement ExferlorWalls Aluminum/Av Wells PIstlPnl/DWIAv T e X DeL Aa. S•DetlEmlUnd BesementAree 918 .IL RootsaWce MetallCm S Ie/A TrImrFlnlsh WoodlAv /Av X Eza' Pr osed UnderCOnsL BesementFin'sh 0% GunersBDOwn outs Aluminum/Av BaNFloor VIO IIAv De n 5 le 2 Sto X OULSideEnl 16d1 S Pum WindowT a Wood FramelAV BaUlWainscot D aIIIAV Year BuIN 1920 srorm SesNlnsuleted YBS/Av Car Srore a NGne ENedlve A e Yrs 30 Screens Y ea/ Av X Orhvewe A of Cats 4 AIUC None HeaU F1NA X HW RatlWnt Am enilks WoadSlave s a DrN ewa Surface GraVBI Dm Smlr X stairs Other Fuel Oil X Flre laces a 3 Fence Gus a aolCars Floor SculUe CoaUn Central Alr COMdioni PaUoNeck X Parch Car rl Not Cats Finished Flealetl Indivi0wl Ogler Pool X Other BdIOOn ALL DeL BuiY-in A Nantes X Relr erator X Ren elOven Dishwasher DI oral MkrovraVe Washer r Other desct3e ~ Finished area above cede wnuins: 9 Roams 4 Bedrooms 2 BaN 5 3 020 trace Fem of Gross L1N Area Above Grade AddklonalFeatures Wooden Barn. Rear oreh and baieon .Fla stone atio. 28x54 bank barn. Comments arthe ImprovemenLS Im rovements are in avers a condition w(th no h sical or functional Inade uacies noted. i vv,,.vpvy.v isvasmsuvm.utNrwresnwmD. gparv, PapDIWI (pPM~)Gmera PUpow Wprekal RCOOn ]LLOG5 Omenlprtymuopr~ra,~alraPart GNII D50S11mID Summary Residential Appraisal Repot FIkNO. 11-Dios FEATURE SUBJECT COMPARABLE SALEN0.1 COMPARABLE SALEN0.2 COMPARABLE SALEN0.3 1103 S. Hanover Street address Carlisle PA 17013 555 S. Hanover Street Carlisle PA 17013' 404 S. West Street Carlisle PA 17013 16 HIII Road Carlisle PA 17015 Proxi ' lo5ub' ct `~~`:?~~`~"~' '=a" ~...• . 0.71 miles N 0.89 miles N 6.82 miles WSW Sale Prke . Sale PritefGr055 Liv. Ama 5 S D.00 5 . h. '~#-~,xa1'~,•~ :,; S 86.77 . k S 189 500 • , ``~' ` `: S 6 .27 . K S 225 000 .' +~ .c„ •• ,i' *' k~-..`- ` e:~ E 55.75 . IL S 190 000. ` ' v i ~ Kent F Date sources ;Ihs "eatio ~"i'~~' ~ CPMLS 10204771 CPMLS 10169578 CPMLS 10203533 vedficatmnsourc s •C'u c i'`: "f Courthouse Courthouse Courthouse VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION • s DESCRPTION ~ s uvmmr DESCRIPTION H• s Inmw Sale orFkmncing Concesslans ' ~!' {^~ '' •• T ~` e ~ : $5,451 CI. Csts FHA DOM 67 $9,371 CI. Csts ~ Conv DOM 880 $8,000 CI. Csts Other DOM 82 Date of salelfine l '--' ~ 05131/2D11 02(1412011 0513112011 Locatbn Suburban Suburban Suburban Suburban Leeseholdlfee Sim a Fee Sim le Fee Sim le Fee Sim le Fse Sim le sae 4.67 Acres mil .26 Acre mil 26 700 .21 Acre mil 26 700 2 Acres m/i 26 700 view Residential Residential Residential Residential Des n S s 2 Sto 2.5 5to 1SemD 2.5 Sto 2 Sto li of Consuudion Avere a Avera a Avera a Avere e anuela a 91 Years 100+Years 99 Years 91 Years Cond'nion Avera a Good -15% -28 425 Good -15% -33 760 Av Good -5°~ -9 500 AbOVe Grade imY Ww ewe Taal Bam ells Tad Bam! ewe TOItl elms ewe Room Count 9 4 2 6 3 1.6 2 500 9 5 1.5 2 500 9 5 3.5 -7 SDO Gross Llvl area 15.00 3,020 . ti 2 184 . h. 12 640 2 670 . t. 5 250 3 408 s . h -5 820 Basemen[&Finatred Raoms6erowGrade Partial Bsmt Unfinished Full Bsmt Unfinished Full BSmt Unfinished Full Bsmt Unfinished Finamnelula' Avera a Avera a Avere a Avere e • Healro Doll HW1None HWStm/None HW/None HWBBICA -5 000 Ener ElGClenlhams T ieal T ieal T ical T Icai Gore altar rt ~ None 1 Car Gars a -5 000 2 Car Gar/Loft -12 000 2 Car Gare a -10 ODO PorchlPalrolDeck PorchfBlcn /Pto EnclPor/Porch -3 000 Wr P/PrchslPto -5 000 PorchlDeck 3 000 3 Fire laces" 1 Fire lace 2 000 None 3 000 1 Fire lace 2 000 Barn None 5 000 None 5 ODD Bam Net ad'uslment ToWI X + S 12 315 + X - S 8 300 + X - s 6 120 AtljusedSelePrke NelAtq. 6.6% NalAdj. -3.791 NeIAdJ. -3.296 olGOm erabtes Grass Ad. 44.9% s 201 816 Gross .41.4% S 216 700 GrmsAd 36.6% S 183 880 Sum of SalesCom rkan roach O inion of value ran a is $183 000 to $217 0110. No closin cost ad'ustments made since the com stables sold below list rice. Com areble #3 included as the closest sales com arable with a barn. A sale of a home which was used as a "had and breakfast" was located sold 02!2612010 for 517 000 • however it was much tar er and in su erior condition and considered to be ine ro riate as a sales com orison for ur Dees of this o inion of value. Su lus acres a ad'ustments are made at 10 000 er acre-the first two acres ere excluded from the calculation in consideration of the sub act bein on well and se tic . These are the best sales eom arts ns known to be available. NOTE: Althou h com arable #'s 1 8 3 aetUed after the effective date of this a sisal the each were under contract riot to that date and considered to be vaayya~lid com erebles for u Dees of this o inion of value. "Condition of the fire laces unknown. ,~:051~PPROA.sC~TOHAel1~' •b_ ",a r`. sire value Comments A two ear review of land sales did not locate an sales w[thln the sub acts market therefore the o inion of value for the site is based u on the 2010 tax assessment of 89 300 which is a sub active value. O inion of value for the sub"ecteite - $90 000.. ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE ........................................=5 900D0 - Sourceolco5ldeta Owell .Fi S ............=5 0 la' ratln from cost service EBaclive dale of wsldala . Ft. S ............ = S 0 : Comments onCoslA oath assfivi areacakulalans de recrotan,elc. Cost A roach deemed a oor indicator of value. The Gera 1Car on 0 S . Ft s ............ = S 0 • Estimated Remainin Economic Life-30 ears. TalalESllmeteorCosl•New ............=s 0 Lass P sicel FunNbnal External Oe redatlon = b 0 Oe redatedCoaolhn rovemeras ................................ = S 0 'AS-is-ValuedSi~l rovemena ................................=5 r:cnA~ INDICATEDV LUE BY COST APPROACH ...................... = S 90 D00 INCA PPFI ALlial wE~'~'~.S~iA~ ••u -l. teG. ;~~,, Fslimeletl Monlhl Marker RemS NIA X Gross Rem Muhl Iler NIA =5 NIA IMkated Value Income A roach Summary orlncomeApproach(hlciudingsupporlfamarkelremandGRM) NIA InO1CR[tO VRlueb Silte GOm lfleOnA lDRGA 52DD DDD CDSrA teeth Ir dlvtl0 a S 9D DDD IDCOmlA lOaCh rdwll0 ed s NIA The Market Data Anal sis su orts m o inion of value for the sub act. The Cost A roach was not deemed an a ro riate indicator of value and therefore was not included herein, The Income A roach was also deemed Ina ro riate'for this anal sis. This appraisal is made X 'as is,' subject D canplat(on per plans and spedficatlens on the basis of a hypoNetlcal mndkron stet Ne improvements have been completed, ^ subject m Ne Idlowinp repeks a dlaratbns on Ne basis of a hypolhedwl cand'pion that the repaks or alleratbns have been mmplelad Qsub)act m the rolkRVing: The roe has been a raised in current condition. This is for the clients use onl . Based on the scope of work, assumptions, Ilmidng cbndidona snd appraiser's cartifiwtion, my {our) opinbn of the dsOnsd value otthe red property thatisthesubjectotthlsraportieS 200,000 uof 0 410 212 01 1 ,which is theettectlvedeteotthisappraissl. ~par,u ~..~~.•.~„~ ........,,~..~. imwwcipr•~YDmva•ml°RaaeeaeWWllee,ees,IlL•Nm1MRlame. r.s.za~ a (pAAR"leerwdwoexAVev~imR mmttimlt oe•.•.~w~.www•+i..wn S.W. Barrett Real Estate $ Appraisal Services ADDENDUM Client: Seldis Sullivan & Ro ers Flle No.: 11-0104 Pr eR Address: 1103 S. Hanover Street Case No.: City: Carlisle State: PA Zip: 1 701 3 444 5 Neighborhood Market Conditions ListlSafe ratio approximately 98%. I have considered relevant competitive listings andlor contract offerings In the performance of this appraisal and in the trending information reported In this section. If a trend is indicated, I have attached an addendum providing relevant competitive Ilsdnglcontract offering data. Local multi-list data indicates stable market in the past calendar year with no appreciation in the subjects market area, with an average marketing time of 90-180 days. Economic trends and lending rates have remained favorable. Sales concessions are occuring more frequently; however, there is no known prevalence of unusual seller financing concessions or buydowns. There are new homes under construction in surrounding developements, as well as resales available in the neighborhood. AtltleMum Page 1 011 Ftle No. 71-0104 Scope of Work, Assumptlons and Limiting Conditions Scope of work Is defined In the Uniform Srendards of Profeasienel Appreisat Practice es " the typo and extant of research and analyses in an assfgnment" In short, stops of work is simply whatffie appraiser tlld and did not do during the cause of the assignment It includes, but is not limited to: the extent towhich tlse property Is identified and inspecnd, the type and extentof data researched, the type and eMent of analyses applied to ardve at opinions or conclusions. The scope of this appraisal and ensuing discussion In this reportare apeciRc to the needs ofiha clien4 other identlged Intended users and tothe innntled use of the report This reportwm prepared forlhe sale and exclusive use of the cl(pnt and other identified intended users for the Identified intended use and Iu use by any other parties is prohfblted. The appraiser is not responsible for unauthorked use of the report The appraiser's cartlncatlon appearing in this appraisal report is subjeetto the tollowinp conditions and to such other spacitk conditions as era set forth by the appraiser in the report All extraordinary asaumptlons and hypothetical conditons are stated in the report and might have affected the assignment results. i. The appraiser assumes no resporaibilky br masers of a bgal nature akecting the property appraised or title Inerew, nor does Ne eppniser render any opinion as to the Idle, whlch b essumetl lobe good and markelabb. The property b appraised as Ihotgh under respons'Dle ownership. 2. Any sketch in Ihis report may show appradmale dimensions and b Iricroded any Io assist the reader h vlsualixhp dre property. The approlser has made no survey of the property. 3. The appraiser is not required to give teslimany or appear in rowl because of Invinq rrede Ne apprdsal with rNennce to Ne propary h question, unbss arnrgements have been previausy made Nerero. 4. Nehher all, nor any pan of the rsmteN of Uris repor4 copy or other media Nereal (biclutling conclusions es m the property value, the idamiy dl Ne appreber, prWessionel desgnecions, or the krm w(N which the appraiser is connected), sMk be used lot arty purposes by anyorre but the rdbnl and other hbnded users as mendked in This report, nor shall k be conveyed b1' anyone to Ne public through advertising, pubec ~iebtions, news, sales, or Drier media, wltlmut the wriaen wnsamot the appraiser. 5. The appraiser will not dsclose gre contents of Nis appraisal report udess requied by applicable low or as spedibtl h the lJnkorm Standards of Professlanal Appralsel Practlce. 6. hlcrmalion, eslimetes, and opinions furnished to the eppraisar, ercl rontehed h the report, wen obkinad Irom sources considered node and behaved td he wa and correct However, rte responsNrNity for accuracy of such kerns furnished ro Ilre approLser m assumed q'the epprolser. 7. The appraiser eswmes Nor there ere no itWden a urepparenlrontlklons of the property, subsoil, a stnxturas, whidt would render k more or bss valuable. The appreber assumes no responsibiNry Iar such condkbns, ar lor'engineering or nsdng, which might 6e required b dbcover such taclora The appraisal fs notes envirorsnanlal assessment of Ne property and should not be considered 85 such. S. The appraiser 5peclalizes h the valuation of real property end is nM a home Inspector, budding ronuactor, s'Iruchxal an{prreer, or simkar ezped, unbss oNerwise soled, The appraiser did sal conduct 1hehlenSNa type of field observagons of rie klhtl intended b seek end dixover property detects. The ubwinq of the property and sty impravemenls is ro! purposes of devebping an opirtion of the defned vaWe of the prepedy, given the bonded use of Ibis assipnmant Staremenls npardtrg conddon are based an surface ohservadons Dray. The eppro'tser claims no special expertise reperdinp issues inriudktq, Dm not gmked ro: kwntlelion sealemem, basement molsure probbms, wood deslrayhp (dr other) hsecls, pest inbsrotion, radon gas, lead based paln6 mold or emkanmenul iswas. Unless olhervrlse Indcebd, mechenlcel sysbmswere not activated or tested. This appraisal repot slquld not be used to disdose the condition of Ne property a5 k relates l0 Ule presercelebsence bf debcrs. The diem Is hvrretl anQ encourapetl to employ queli6ed experts ro inspect end address areas at concern. II negalwe conditions an discovered, the apinbn d value may he albcbd. Unless otherwise noted, the appraiser assumes the components that constitute the subject property improvement(s) era fundamen~lly sound and In working order. Any viewing of rig property CY die appraiser was kmketl ro readiy observable arses. Unless otherwise noted, aklu and crawl span areas were not guessed. The appraiser did not move Nmiwre, Ibor covarirgs or odrer ibms That trey rosulct the viewing al Iha property. 9. Appraisals irnaNing hyporhedcgl condkbns rebbtl b compkcbn or new ronsuuction, repahs ar alleralion are bared on gte essumpdon Nal suck completion, eNeradon or repatrs wpl be competency perkxrrea. 10. Unless Ise intended use of Nis apprabel 5pedkcaly IncWdes blues of property hsuronce coverage, Nb apprabel should not be used lot such purposes. Reproduction or Replacement cost figures used in rie cost apprrech are br valuation purposes ony, given the Mlentletl use of Ne assignment The DeNrilbn d Value used in Nis esggrtmen} is unlikNy b Oe consisten with qre defnkbn of kwuabk VeWefor property Insurance roverogehrse. 11 Tha ACI Generei Purpose Appraisal Report(GPAR1°) is not intended for we in transaetlons that require aFannle hue 30041Freddie Mac 70 form, also known as the Uniform Rasidendal APprdssl Report (URAR). Additional Comments RelatedTo Scope Of Work, Assumptlons and LimMng Contlitlona None r~nar°• acs ~ a.,,~m wnPo= ac w~,,,,n.,we,. Foe No. 11.0104 Appraiser'sCertitication Theappraiser(s) cerdfiesthat, to the bestaf the appralaer's knowledge and ballet: 7, The Statements of fact contained in Ihls report are aue antl correct 2. The reposed anayses opinons, and conclusions are limiletl ony by the reported assumptions end fanlsng conditions and are gre appraisers personal, impattlal, end unblasetl prolessgnal analyses, opinions, and conclusions 3. Unless oNervdse stated, Ne appraiser nos na present a pro~aclNe ilaeresl in Ne propery Nal is Ne sub)ed of this report and has no personal interest with respea to Ne parties IrtvoNed. 4. The appraiser has no bias with respect w Ne property Natis the subject of llas repot or to the perdesbrvoNed wIN Uds assignment 5. The appraisers engagement M Nis assgnmem was not cambtgem upon tleveloping a reporting pretlelerndrred resups. 6. The apprasers compensatbn for completing this assignment is not congngent upon Ne development a repodirp of a predelerMned vewe or tlbegbn h vahre Nat lavers the cause tlf the client, Ne amount al Ne value opinion, the eua'rment of a sgputaled result, or the occurrence of a subsequent event direrAy related b the intended use d This appreLSaL 7. The appraisers analyses, aplnlons, and concw5ons were tlevebped, and Ibis report has been prepared, in conlamiry wiN Ne lMilorm Standards of Pmlessional Apprelsal Prectlce. 8. Ursass emerwise nosed, Ne appraiser has made a personal inapecgon of Ne property Ilrat Is the subjxt of Nla report 9. Unless noteU below, no one provitletl significant real propery ap{uaisal aaSiSlarlce to tae appraiser signing Bt6 cenlgcedon. StgnigCent reel propwry appraisal assistance provided by. Atldl[Ional Cenificallons: None DefiniGOn of Value: XOMarke[Value ~OtherValue: SoaceolDeAnaoo: USPAP The,most probable price in terms of money which a property should being in competitive and openmarket under ail conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. e ADDRESS OF THE PROPERTY APPRAISED: 1103 S. Hanover Street Carlisle, PA 17013-4445 EFFECTNE DATE OF THE APPRAISAL: 04l0212D11 APPRAISED VALUE ~ THE SUBJECT PROPERTY S 200,000 APPRAISER n ~/ SUPERVISORY APPRAISER /~'~ signewie: l , -.Z~sl.,....d-~ Signewre: ~~-~ - '--~~ Name: Stan A. Skowronek `"~ ~ ~ Name: Steven W. Barrett, SRPA. SRA, ASA smw CeNrkatbn a RL001672L Stele CeNficelbrt p GA000298L or Lkense a a Lkense au RBD26921A or Other (describe): Slate p: Slate: PA State: PA EzpiradonDaleolCeNficagonorlieense: June 30, 2013 ExpbalbnDaledCeNflcelionaLkense: June 3D, 2013 DateolSignawre: 06114!2011 Date of Signawre and Report 06!14!2011 Date of Proparry vlawing: 06!2612011 (as of 04102/2011) Dare o1 Properryviewktg: 06!2612011 (as of 04/02!2011) Degree o1 properryviewin~ Degree of property viewing: ~ QX Intermr and ExNrbr ^Exrerar Ony ^Ditl not personally view XOlmeriorandEzlerlor ^6cteriaony ^DidrrotpersonaayNew proaxNUOagAq Saw~100D1aIt11wNl~elm T1canCgp~ipYleat3.701oAa dAflmrrsoOJm slnbt,InS I1N9M[qum~G ~~~~ ~ _ Pgp2N2 pPAa°1 Gemar Papaw ADPdW RPog117f20n6 CA as W111OOa o^^•.•twva+^aNP.^+w~ S.W. Barrett Reai Estate & Appraisal Services FLOORPLAN I ,~i i Family ~ ono I _ Bedroom ~~ Livfn9 I I ~ ~ eeth r ~ ~ Kitchen t aMny ~~ •~ %~ ~. `Lrl ~ r. 1,... • Baleony• j ; Bedroom I Bedroom ~ ti. Bedroom I I Bath II sworn srM•. wa.u~• Comments: 5: y $~ s L ~ 4 s !d 1... i p Go ~ . ~°BFIt~~:}~~,.'~~~~~. ~ ~~u`7"M`~ met a yt,~„`.~a~~~`y~~ `~."'ia4TURi~r~+„~y- a~~_[,, GT.at ~ Firat Slooc +~ ~-'2102 0 i~tz ~xyl¢102~p iti.s'at"moor ~,(.~s -`~ r • .~. GLA2' aecbnd ~bbr » --.'x918 D .1 ~~9~6°A ~ 52T'0 "Sc '8 0~ '916 0 ~ P~P• •. porch s., Invalid ~ r ,y i*'ti ~' ~z 2 0 x 34 6 f } .. x'66 0~t Haicony_~+ i.n~alid y ~ l`. "ter y, x!'80 Q x '':17fb _1360 ~•~~. Stone Patio 'G 234 O s~? ~ F234 Os~ +6;1t x ~.,.2a b _ '168 0!. '~' - ~ -'5:0 x j 16 O 4b.ti ~ Jt ' v , .J a ; 9aooad Sloor ' .' ~ 34°0 x ~ •27 0 .9180. ~~ ~_ ' ~. i s j 4 ° r rx . c F~ r ' E •, ~.. { ~~ d .. C ( ~ •A Y . ~. . Net LIVABLE Area . ~{rounded) ~ 3D2Q l6 Iterns ~_ ~ °= {rounded) • 3020,, SUBJECT PROPERTY PHOTO ADDENDUM FRONT VIEW OF SUBJECT PROPERTY Appraised Date: April 2, 2011 Appraised Value: $ 200,000 REAR VIEW OF SUBJECTPROPERTY STREET SCENE •Client' Saidis Sullivan & Rogers Flie No.: 11-0104 Property Address• 1103 S. Hanover Street , Case Na.: Cily' Carlisle State: PA Zip: 17013.4445 Barn (view#1) Home (side view) Barn (view #2) rmww~anw.wuaumw.,o~,.~wm r~m~a~mw Client' Saidis Sullivan & Rogers File No.: 11-0104 _ Property Address' 1103 S Hanover Street ° Case No.: Ci :Carlisle State: PA ZI :17013-4446 Lot view (parttal) Rear (view #2) Side View ' No1WYWq M1N/.1LImD46RiM/N.wxl6mn Mf7101R0f0 Front (view #2) PmOreldM Ap fMvn,lOG}~1f7/w~ratlrnWmY PHT11011A10 i .... __. .__~_._..._. _..~-_ COMPARABLE PROPERTY PHOTO ADDENDUM 'Client' Saidis Sullivan & Rogers File No.: 11•D104 PropertvAddress:11o3 S. Hanover Street' Case No.: Cit : Carlisle " State: PA Zi :17013-4445 ~; ~~ ~ .'~~ ~y COMPARABLESALE#1 555 S. Hanover Street Carlisle, PA 17013 Saie Date: 05!3112011 Sale PfICe: $ 169,500 COMPARABLE SALE#2 404 S. West Street Carlisle, PA 17013 Sale Date: 0 2/1 4120 7 1 Sale Price: $ zzs,DOD COMPARABLESALE#3 16 H111 Road Carlisle, PA 77016 Sale Date: 05131/2011 Sale Price: $ 160,000 LOCATION MAP FioadMap Legend Food Zones Press tretrg4ed by b00.year aooding Areas oulslde of aw 1 a0. erW l4gayw aooCp4Ms Area: IdatdpW Dy f00.yeeraooAing Areai Herdeted py 104ydargooding wph Wbtlly l+ataed ® Fbodrvay aroa: FboQtrey area: Mlh wlocay ha[ard - ' Prea3 o<undslermlrnd btq pW tale fko0 hesafds Moat nW mtppad on arty prd+RChed FIRM Flood information Communlty:47a382 • CARLISLE, BOROUGH OF Proparry Is not fn a FEMA spedal flood hazard e[ea. Property Is Within 25D feel of a FEMA special ibod hazard area. Map Number 42041C0240E idap Dale; 03110/2009 Panel: 0240E FIPS: 4204 7 Zone: X Ne+IhOr TlaneamgdCe Fload [+n=nrd Canl(kaunh (TF1iC) nor ACI mete any represenudcne or wartselNa m sny petty oorroeming the content, accuracy or compNbmse of this pond report, Including my wemnty d rMrchsntebalty or a1neN rot n pemouler ptupose, a+elgl•r TFHG norAG nor the »Ilar of Gtb Good sport ehelt hew any IIeblAty to sny ihMd party for any uce or mleuae of this flood report *"*"*"*** QUALIFICATIONS ~* The following checked Items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the inspection of the subject property, the comparables sales, and their neighborhoods and locations. Unless otherwise noted, the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET VALUE OR 7HE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEINo APPRAISED. This is not a home inspection.service. This is an appraisal to estimate market value., _7. The subject is located in a rural area and is less than 25% built-up. _x_2. Commercialllndustrlal uses are located within the subject's neighborhood. Thane uses are typical of similar neighborhoods. _x_3. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for the area. _x_4. The predominant value in the neighborhood Is less than that of the market value of the subject property. This is due to the very wide range of value of properties in the area and superior quality of the subject properly. _6. The subject property is located in a F.E.M.A. Identified Flood 2ona. Flood insurance coverage is required and suggested. _6, Dampness is noted in the basement of the subject Standing or running water was not present on basement floor. This condition is considered typlcal;,in dwellings of this style. _x_7. Tha subject property is serviced by private well endlor septic systems which is common for the area. _x_8. The subject is older than five(5) years. All mechanical systems including the heating, electrical and plumbing systems appear upon a visua{ exterior inspection to be in working order. No warranties are implied in this statement _9. Repair Items were noted in the comments section of the report These comments on repair items are for descHptive purposes only and are notrequlred repairs. The Items listed are. cosmetic in nature. _10. The basement floor. is a dirt floor. This condition is common and typical for the area. and does not pose a health or safety hazard. 11. The subject property does contain functional obsolescence as noted in the report. This condition is considered typical and common for the area and thla style dwelling. _12. The land value exceeds 30Y° of total value due to the high demand for vacant land in this neighborhood. This condition is considered common and typical for the neighborhood. _13. The land value exceeds 30°k of total value. This is due to the large size of the site. This condition is considered to be typical and common. _14. Individual adjustments were required that exceed 15%..Thene adjustments were required due to lack of more similar comparables on that Individual rating. Ali comparebles used are the best available. _x_15. Total adjustments exceed 25 % . This is due to the lack of comparable sales that were more stmilar in the subject's market area. Ali comparables used are the best available. _16..One or more comparable sales are older than six{6) months. Although there are comparable properties in the subject's area, none have sold recently; therefore, sales in excess of six(6) months have tc be used. All comparables used are the best available. _x_17. One or more comparables used were in excess of one (1) mile from the subject property. Although there are comparable properties in the immediate area, none have sold recently. Therefore, it was necessary to use comparable sales outside of the immediate. area. All comparables used are located in similar neighborhoods and within the same marketing area. Ali comparables used are the best available. _18. The electrical system was not connected during inspection. 19. The water service was not connected during inspection. _20. The heating system was shut down during Inspection. _21. Roo.fang_Plumbing_Electrical_Heating_certification(s) islare suggested. _22. Inground swimming pool-, out buildings are included .not Included_according to lender's guidelines. _23. According to lender's guidelines a maximum of acres ware considered for this valuation. Remaining acreage was ~giveri no value. FNe No. 11-0104 **k****"* QUALIFICATIONS **"*~'**** _24. The subject property is located on a private road. 25. Wood infestation inspection is suggested. x 26. Last recorded deed transfer: Date_0811211965_~ Consideration: $_1.00 _27. Proposed construction/renovation In accordance to plena and apeciflcations to be completed in a workman-like manner. _28. Seller is paying part or ail of closing costs. _x_29. All compareble sales are verified closed sales. x 30. There are no special conditions or other requirements that would affect market value or future marketability in the Appraisal Report. . 31. AMC fee was required in prder to accept this appraisal request. J Flk No. 11-0104 *****k"** QUALIFICATIONS *"~`*"'**"* Confidentiality and Security Policy We consider privacy to be fundamental to our relationship with clients. We are committed to maintaining the confidentiality, integrity and security of clients' personal information. Internal policies have been developed to protect this confidentiality, while allowing client needs to be served. We restrict access to personal information to authorized individuals who need to know this information to comply with federal standards to protect your nonpublic personal information. We do not disclose this information about you or any former consumers or customers to anyone, except as permitted bylaw. The law permits us to share this information with our affiliates. The law also permits us to share this information with companies that perform marketing. When we share nonpublic information referred to above, the information is made available for limited purposes and under controlled circumstances. We require third parties to comply with our standards for security and confientiality. We do not permit use of consumerlcustomer information for any other purpose nor do we permit third parties to rent, sell, trade or otherwise release or disclose information to arty other party. Education As of the date of this report, l andlor Steven W. Barrett, SRPA, SRA, ASA have completed the requirements under the continuing education program of the Appraisal Institute and the American Society of Appraisers. S. W. BARRETT REAL ESTATE AND APPRAISAL SERVICES APPRAISAL OF LOCATED AT: 26 Rolling Drive Carlisle, PA 17013-4274 CLIENT: Saidis, Sullivan 8 Rogers 26 West High Street Carlisle, PA 17013 AS OF: April 2, 2011 BY: Stan A. Skowronok PA Certified Residential Real Estate Appraiser v S. W. BARRETT REAL ESTATE ANA APPRAISAL SERVICES ns rro. 06/0612011 Saidis, Sullivan & Rogers 26 West Hlgh Street Carlisle, PA 17013 File Number. 11-0106 In accordance with your request, I have appraised the real property at: 26 Rolling Drive Carlisle, PA 17013.4274 The purpose of this appraisal is to develop an opinion of the defined value of the subject property, as improved. The property rights appraised are the fee simple interest in the site and improvements. In my opinion, the defined value of the property as of April 2, 2011 is: $176,D00 One Hundred Seventy-Five Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, assignment conditions and appropriate certifications. Respectfully submitted Stan A. Skowronek PA Certified Residential Real Estate Appraiser i Summary Residential Appraisal Report FNeNo. 11-0106 The purpose of Nis appraisal report Is b provide the client with a credible dplnion of tie defned value of the subject property, given the blended uaa of Ne eppreiseL CNentNamelblenaed user Saidis Sullivan & Ro ers E•metl NIA CienlAddress 26 West Hi h Street C' Carlisle State PA n 17013 Addilionalbtended users The Intended User of this a sisal re ort is the Client. No additional intended Users are ermitted without . the ermission of the a raisers . Inlentled use The Intended Use is to evaluate the roe that Is the sub act of this a reisal to rovide the Client with en accurate and ode uatel su orted o inion of value. Pro er AdMess 26 Rollin Drive ci Carlisle State PA it 17013-4274 owner orPUbtlc Record Houser Joanne W. & Robert C. Coon Cumberland L alDescd von Deed Book-36iC a e 1176 " Assessor's Parcel q 04-23-0600-206 Taz Year 10111 R.E. Taxes S 3 257.00 Ne' hborhoodName eorou h of Carlisle Ma Reklence 23-05D0 CetnusTlacl0124.00 Mo er R hlsA raked X Feesl le Leasehdd Other describe M research did X did not reveal an for sales or uanskrs of me sub act ro r br lire Three ers rbr W the ellecNve dne al Ws n misel. Prbr Salelrranskr. Date 07/3D11993 Price $1 Sources Courthouse Anaysisofpriorsaleoruanslerhistaryolihesubjectproperry(andcdmperablesales,llappkabk) No riortransfersofthesub•ectwithinthe ast36 months nor were there an riot transfers of the com ambles within 12 months of their sale date. 0 Otlerings, options and Conbacta es of the egenive dale of the appraisal None known ~;.,,,-~,vya :iiei'"6' h ~ c's~ te' ` t '-. ~" u 1j` _» . Location .Urban X Suburban Rtxel Pro er Values Increesb X Stable Declld PRICE AGE One•Unk 55 % BuNI•U Over 75% X 25.75% UMer 25% Demandl5u Shorm e X In Balance Over Su E WO s 2.4 Unlt 0 % Grmatll R itl X SIaWe Slow Marks' Tyne UrMer 3 mths X3-6 mine Over 6 mites • Neighbornood Boundaries The sub'ect is bounded on the north b C S on the east b route 150 Low 20 250 H' 65 MuIIEFam D % Commerdel 2b % 34 on the south b Rollin Dr and on the west b Wilson St. 200 Fred. 50 other Vaeanl 20 % Neighborhood Descriptbn The sub act la located in en established residential area amon at homes of va in sizes le and uaU " with commercial use within its extended nei hborhood. It is within close roximi to ammenities such as schools sho in and em to ment. MerketCand'nlonspncludupsupportlortheabovewncWsions) See Attached Addendum Dimensbns 200 x 100 Area .45 Acre m/l she a Rectan ular view Reeldential afctonb Classiricadort R-1 zdrd oescd bn Low Densi Residential Zai Com Nance X L I L Nonconbrmb CxandiathdedUSe NoZonb I~ al desaiba Is the highest and best use or the subject property es improved (or as proposed per plans and speafirstlons) Iha present use? X Yes No d Nd, describe. Utilities Public Other descrtba Publk Other describe On-site lm rovemanW-T a Puhtlc PrWate Elecuiri X Water X Sueet Macadam X Gas SsMta Sewer X Alle None sire Comments There are no a arent adverse easements encroachments or other adverse condition. Not in a EEMA s ecial flood hazard area er Ma # 42041C0240E/Zone X/dated 03116/2DD9. r-aGEN~P2'S ~~E'r§~ ~R~ ~ `~. r ~R ~G~.~~ s`IS t;l s s,ine~e ~~' Units X One OnevdAU.uM ConereleSleb CrswlS ce FwndatlonWeNS Conc BIk/Av Fbors HdrWdlVinlAv q of Smries 1.5 X Fup Basement Pertlel Basement E#erbr Walls BrieklAv Walls DWIPn11Av T e X DBL AtL s•DeuEndUnit easememarea 1264 .h. RoolSurldCe Com oSh IelAv TdmtFlnLslt WOOd/Av X Eusti Pm sad UnderCOn51. BasememFlnish 0% Goners&DOwna utsAluminum/Av BalhFtoor Vin UAv De' n s e 1.5 Sto X ouLSbeEn xN ~ Pum WbdtswT Double Hun IAv BethWeinscot DWiCerTlAv Year Butll 1950 Smrm sashllnsulakd ThermallAv Cer Stor a None ENectNe a Yrs 25 Saeens Y eslAv X DcNewa golCars 2 Attic X None Heatln X FWA HW Radiant AmenNks WeaflS[o s q DrN ewa SurlaCeStOne Dr State Suits Other Fuel Oil X Rre ces N 1 Fence X Gera a golCars 2 Fbor ScrNle Cdolin CenlrelAkCOntlitlonln PetlolDeck X Path Cat Orl polCars Fnisltetl Healed Individual Other Pool Other Ad. X DB[. Built-in A Nances X Re1r eramr X Ra Oven X Dishwasher X Die Deal Mkrowava WasherlD r Other describe Finlshetl area above rode conudns: 7 Rooms 3 Bedrooms 1 Bab s 1 869 5 oars FBeI of Gross LNI Area Above GredB ' AddNbnelFeetures Rear orch. Two car detached era e. CornmenisonUtelmprovements Im rovements are In avers a condition with no h sical or functional inade uacies noted. Paeeld/ tOPM"'1 Genad PuY~~PP~aePra sxaus arNb~ asmumu ern~ralDnr~ WPrauW rvPCn ADDENDUM Client Saidis Sullivan & Rogers File No.: 11.0105 Property Address 26 Rolling Drive Case No,; Cily: Carlisle State: PA Zip: 17013-4274 Neighborhood Market Conditions LisHSale ratio approximately 96%. I have canaidered relevant competitive listings andlor contract offerings in the performance. of this appraisal and in the trending information reported in this section. If a frond is indicated, i have attached an addendum providing relevant competitive Iistinglcontract offering data. Local multi-list data indicates stable market in the past calendar year with no appreciation in the subjects market area, with an average marketing time of 90-180 days. Economic trends and lending rates have remained favorable. Sales concessions are occuring more frequently; however, there is no known prevelance of unusual seller financing concessions or buydowns. There are new homes under construction in surrounding devalopements, as well as resales available in tha neighborhood. Atldentlum Pape 1 or 1 Summary Residential Appraisal. Report f~No. 11-0106 fEATLIRE SUBJECT COMPARABLESALEN0.1 COMPARABLE SALEN0.2 COMPARABLE SALEN0.3 26 Rolling Drive Address Carlisle PA 17013 Prozimi to Subecl ~:'i~'•~''~'a~:::~:'~+3?~~=~? 46 Rolling Drive Carlisle PA 17013 0.03 miles W 25 Rolling Drive Carlisle PA 17D13 0.00 miles E 533 C Street Carlisle PA 17013 2.01 miles NNW Sete Price. sale PrkdGross Liv.Area Dale sources S S O.DO . n ihs"ecti ~~"-.".gs~ ~, J`"rk - 'k ~.~ • S s 100.32 . n ' CPMLS 10191810 187 000 ,§ ~ =' ~°''r"'•- S 149 941 a 102.D0 . n CPMLS 10196816 ~' ~ - S 179 900 s 93.70 . n '~ CPMLS 10192260 verirualiansourc s GQiirthoGsi' .~~, ~ Courthouse Court Dose Courthouse VALUE ADIUSTMENTS DESCRIPTION DESCRIPTION N•ISa DESCRIPTION ~a wn DESCRIPTION H•)s Sale or Fnancing Concess'lons ~~NIA~:'''r':~;"~ ~ ~ ~;_r"': "'±~;e=~< $3,000 CI. Cst FHA DOM 113 $2,OOD CI. Csts Conv DOM 108 None, Conv DOM 37 Dale o! Salertime •~N7A~ a;.w r 07116!2010 10122/2010 0710612010 LacnGon Suburban Suburban Suburban Suburban LeasehokllFeeslm M Fee Sim le Fee Sim le Fee Sim le Fee Sim le she .46 Acre m/l .45 Acre m!I .74 Acre m/l -2 700 .19 Acre m/I 2 026 view Residential Residential Residential Residential Desi n S k 7.5 Sto 1.5 Sto 1 Sto 1.5 Sto uali of Consuudion Averse Averse Averse Avers e ,' Adual a B1 Years 63 Years 56 Years 64 Years ' condidon• Averse Averse Averse Avers e Above Grads Tad emlm 9aAn iew some awe Taa eana adm Tad ammo aWa • goomCOUnt 7 3 1 T 4 1 6 3 1 8 4 2 -5 ODO . ' Gross/' ' aea30.00 1 869 s . n 1 864 s . n 0 1 470 . n 11 970 1 92a s . n -1 530 easemem&Fmished. • RoomsBelcwGrade Full Bsmt Unfinished Full Bsmt Unfinished Full Bsmt Unfinished Full Bsmt Unflniahed FunclbnelUrih • Heafin /Coals/ Averse FWAINone Avers e" - HWBB/None Avere a HWBB/None Avere e EBBIFWAICA ~ • -4 000 Ener Efficient hems T ical T ical T ical T ical tiara e1Car on 2 Car tiara a 3,Car tiara a -5 000 2 Car Car ort 6 000 1 Car tiara e 6 000 PorchlPatioroeck Porch Porch None 2 000 Deck 1 Fire lace 1 Fire lace 1 Fire lace 1 Fire lace Nel Ad' stment eel ~ w... ~ ' ~ + X - E 5 000 X + s 16 870 + X - s 3 506 Adjusted Sale Prfee Net Adj. -2.7% of COm azables Grass 2.7St s 182 000 summa of sales co arison ^roach O inion of value ran a is 167 OOD t 7 500 er acre. No ad'ustmenst for closin costs have been ded rlce.The com arable sales rovided are considered to be the bes Net Atlj. 11.3% Gros 14.1% s 166 811 o 182 000. Sur lus acres a a ucted since com arable sales t sales available. NeI AdJ. •1.9% Gross - 9.8% S 176 395 d uetments are made at Nos. 1 and 2 sold below Ilst COSST'APPROACH 70vA4D~~''.~•^~. v r. ~ Wiz' sae value Commeras A two ear review of land sales did not locate an saleswithin the sub'ects market therefore the o inion of value for the site is based u on the 2010 tax assessment of 44 20D which is a sub active value. 0 )nlon of value for the sub act site • $44 000. ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALVE ........................................=5 4d 000 . Source of cost data lave/ 1 869 S . FL s ............ = E 0 uatl ratln Iromcostservlce Etlectivedateofcasldeta 86mt:1264S .Ft. S.FL S ............=5 0 Comments onCOSIA roach rocslivin are~celculalions,d reciadon Nc. Cost A roach deemed a oor indicator of value. The Gar /Car t 0 s . FL s ............ = S 0 • EstimatedRemainin EconomlcLife-40 ears, TotelEslhnaleolCbsl•New ............=5 0 Less P Ice/ Funclgnel Exlerrlel De redalion = s 0 Da redetedCostcllm rovemenls ................................ = S 0 'ASis•valueolske rovemenls ................................ = s INCOMEAP.R. •»I~~~AL~DB~~'c~: '. v` EslimaledMOnlh MarkelRemS NIA xGrossRenlMulllier INDICATED 1V1ALUE BY COST APPROACH ...................... ^ S 44 OOD i. ~ ~l NIA =s NIA IndicaledVelue IncomeA roach • Summary of Income Approach (indud'ng support for marker remand GRM) NIA Indicataa varu•b : Select Com saaanA roacns176 000 Cosu roach Ittleveio ed s 44 000 Incomes roach htlavalo atl a NIA The Market Data Anal is au orts m o Inion of value for the sub act. The Cost A roach was not deemed an a ro riate indicator of value and therefore was not Included herein. The income A roach was also deemed Ina ro riate for this anal sis. The appraisal a made X 'as Is.° subject !o compledon per pWns end specificedoiu an hte basis cf a hypolhelical mndhion /hat Ne Mlprovemenls have been completed, ^ subject to the folbwing repairs or alteraboro on the basis cl a hyphthedcal condifian Thal Ule repairs or alteredons have been wmpleled ^ subject to the falbwing: The ro a has been a raised in current condition. This is for the clients use onl . eased on the scope of work, assumptbns, Ilmlting condltlona and appraiser's cartlOcatlon, my (our) opinion of the tleanad value ofthe real propsny that lathasubjectotthlsraponlss 175,000 as of 44102!2011 ,whichlstheatfactlvedateofthiseppralaal. par,M yaawuyneaoeman.mona.mwx•awncan rata,wC,ytlyleaL6ta11011~0iiWaaaOO~nulrn4eSYe.Mapb11wM1. Pepe 1 d ~ lpPaR^~) Gneld Pupeeeappdsd aapat SYla04 WaR PSR1770b a•ncealp,ryuauayryaiulrop,n S.W. Barrett Real Estate 8 Appraisal Services Rte No. 11-0105 . Scope of Work, Assumptions and Limiting Conditions Scope of work is defined in the Uniform Standards of Profess{onal Appraisal Pracdce» "the type and extent of research and analyses in an assignment." Nshort,scopeofworkissimplywhattheapprafserdidandditlnotdotluringihecourseottheassignment Itincludas,bu[isnot limited to: iheextenttowhichthepropertyisidendfiedandlnspected, the type andexteMafdataresenrched, lhetypeandaxtentofanalysesapplied to arrive at opinions or conclusions. The scope of this appraisal antl ensuing discussion in this report are specific to the needs of the GIen4 other ldentlfied intended users and to the intended use of me report. This report was prepared for the sole and exclusive use of the cliantand other identlfied Intended users for the Itlentlfied intended use and Its use by any other parties is prohibited. Tha appraiser la not reaponsl6la for unauthorlsad use of the report The appraiser's~certlficatlonappearinglnthisappraisalrepartissubjecttothefonowingcaaNdonsandtosuchotherapeclfiecondidonsasare settorthbytheappreiserinthereport. All extreordlnaryusumpdonsandhypodtedcnicondltionsarestatedlnthereportantlmlghthavealfectedthe assignment results. 1. The appraise assumes rb responsiddry for meners di a legal nahxe adecdrtg Ne property appaised a title ihereb, nor does the appraiser rentler any opinon es ro the UUe, whleh Is aswmetl m he good antl marketable. The property is appraised as Utough under responsble ownetsldp. 2. Any sketch in this report may snow appraximale dimerrsions arrd is incbrtled ody a assist dw reader in viAredzhg die pmparry. The appraiser has made no wrvey of the propery. 3. Tha appraiser le noUegrrired Io pFie testimony or appear b court because of having made Ne nppraisal wIN reference to Na property In question, unless arrangements have been previously made Thereto. 4. Nedher aU, nor any pan of Ne content of Nis report, cagy or ether media draeol (bdutlhg concluslms as m die property vaWe, the Identity of the appraiser, prolessbnal desigrleUons, or Ne fora wkh wNch Ne appraiser b connected), shell he used br arty purposes by ergmne but the Diem antl Omer kaended rulers es idemified in No report, nor shell it he mm~eyed oy anyone la the public Waugh advertising, public relaGOns, news, sales, or oNer media, without the vnitbn consent of dre appraiser. 5. The appraiser will not tlisdose the contents or Nis appraisal report unless required by applicable law a as specified in the Udlorm Srantlartls of PreKssbnal Appraisal Practke. 6, Wlorrtratlon, asdmams, end opinions tarnished to Ina aigrtalser, and aonrahed In Ina repa6 ware obtained hom sources considered reelable and Delleved b ba Wa antl wrreet. However, rte responsibidry for accuracy of wch irertts kxnLahed m Ne appraiser is assumed by the epprafsar. 7. The appraiser aswmes tltat Nere are no Hidden or unappuem conrfitiorrs of Ne property, whsal, ar wuctures, which would render it mae ar less valuable. The appreiser assumes no responsihiliry for wch wndilbns, or la engineering a testing, wlYch rnkjhl be requketl to discover wch facbrs. Thf3 appraisal is not en envkonmenlel assessment of Ne properryantl shald not be consdered as such. 8. The appraiser speciadzes in Ne valuation of real preperry and Is Hole home bspector, 6uibhg conuaaor, suucWrel enpbeer, or simper expert, uaaas oUtarwise noted. Tha appraiser tlb not cantluct the htanswa type of dBltl observallons of die khtl hterzletl to seek and discover property tlelegts. Tne viewing of Ne property antl any hprovemems le br papaws of tlevelopbp an opinion d Ute tledned she of the property, given Yre hlendetl use of This aseignmenl Slatemfrtts regarding cond'abn are based an wdece observaliona only. The appraiser clakns rm spatial ezpertlse regarding iswes hdudig, but noldmlled b: IoundaUon setllerttem, besemea molstme emblems, wood desuoying (ot other) hsecls, peat inleslalbn, ratlan gas, lead based pah4 mob or embonmenral iswes. Unless odremlee hdkatetl, mechenbal syslems were not aaNaled or lastatl. Ttds appraisal repot shoWtl na be usetl to tliscbse Ina conddbn of Ne property es a releles b the presence/ahsence of dekcls. The client is invited end encouraged b empby quadfied experts m inspect and address areas of mncern. ((negative conddbns are discovered, the opinon otvalue may be atleaed. unless otherwise noted, the appraiser assumes the components that constltute the subject property improvement(s) are fundamentally sound and in working older. Any viewing of Ne property q' Ne appraiser was limked W readly obumbb areas. Unless otherwise need, asks end aewl space areas were naatceased. Tha appral5ar did not move Wrnllure, doe coverings a other hems that may restrict die viewing al tiro proprary. s. Appraisals hvoMnB trypoNelkal contlltbns wlaled m completion dl new consvudion, repairs or alleradon aze based on Ne aswmpWn that such completion, adoration or repairs well be compelemry'perhrmetl. _ 10. UNess Ne krlendetl use of N's appraisal specifically InckMes Issues of goperry hwrance coverage, Nis appraisal should not be used for such purposes. Reptoduclbn or Replecerrem wst figures used h Ne cost approach are br valuation puposes ony, gNen the Intentled use of Ne assignment The DedMdon of Value used in Nis a~ignment is urldkely W W ~comistent wiN Ne tlefindbn of Inwrehle Value tar property inwrence coverapeluse. 11: Tha ACI Gensnl Purpose Appraisal Report (GPAR"') Ia not intended for use in tfanaactlona that requlrs a Fannie Maa 10eMFreddia Msc 70 form, oleo knaxn ss the Uniform Residentlal Appraisal Report(URAR). Adtlttlonal Comments Related ToScope Ot Wark, Assumptions and Limiting Conditions None ' ~nar~ ~~ aeenxmgRpwvuprvumo,rugv, File No. 11-0105 Appraiser's Certification The appraiser(s) certifies that, to the best of the appraiser's knowledge end ballet: 1. The aretemeni5 of lam contelnetl in Nts report are tore and wrrecL 2. The reported anatyses, opinions, end rrorrcrosbns are Umketl Dory by Ne reported asstanpdons and fxniung rontlitlons end ere Ne appraiser's personal, (mparUeL antl unbiasetl professional anatyses, opinions, and condusions. 3. Unless oUrerwise sl9letl, Ute appraiser has no prasam a prospective interest in the property Ural is the subject of Nis report end has no personal hleresl wIN respect N the pelves involved. 4. The appraiser has no bias with respect ro Ne property that is the subjeU of Nis report ar a Ne parties invoNetl wth this essipnment. 5. Tae appraiser's engagemem in Nis assignment was not contlngenl upon devebping or reporting predeletlnined resuUs. 5. The appraisers trompensaYOn for completing Nis assignmem a na comingent upon dte development or reportlrtp of a predeterminetl value a dlrecUon in value Nat lavers Ne cause of the dien4 the emoum of Ne value opinion, Ne elteiranenl of a stlpulnled result or Ute occuuerrce of a subsequent Bvenl directly related to the intended use of Nis appretsal. T. The apprelser'sanayses,opinions, andconchWOnsv+eredeveloped.andNisreponitesbeenprepered,imm~brmitywlNNeUnllamSUtMudsolProksabnalApprefsalPrectlce. 6. Unless oNervdsa noted, Uu appraiser has metle a personal Inspection of the property Nat Is the su6JeG of Nis reparL 9. Unless noted below,'ro one provided signlUcant real property eppraisd assistance to Ute appraiser signing UUs cerUlicaUon. Slpnitlcam real properly apprelsal essisrertce provided Dy: Addltlonal Gerti0cadons: None Definition of Value: XO Marke[Value Other Valuei SowcenlDefmitbn:'USPAP ~ ' The most probable price in terms of money which a property should bring in competitive end open market under all ' conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. ADDRESS OF THE PROPERTY APPRAISED: 26 Rolling Drive` Carlisle, PA 17013-4274 EFFECTNEDATEOFTHEAPPRAISAL:04!0212011 APPRAISED VALUE OF THE SUBIECTPROPERTY S 175,000 APPRAISER Signature: ~~t,~e _1~9,~s~(Q7saJj{A'e~~ Name: Stan A. Skowronek state cerUUCauon a RL001572L or License a or Other (describe): Slate a: Srete: PA ExpiraUonDateolCertificetionorlkense: June 30,2013 Date al Signature and Repore 06!0812011 Dale of Property Viewing: 041D2/2011 Degree of property vievring: QX IMerbr and Exterior ^ Exterior Onty ~ Dltl oat personalty view SUPERVISORY APPRAISER ~J~''/~~j __ Signatue: ~ ~ ~-~ Name: Steven W. Barrett, SRPA, SRA, ASA Statecen(fneliona GA000296L or License a R8026921 A Stare: PA ExplratbnDatealCerUUcaUonorLkense: June 30, 2011 Date of Sipr~uure: 0 610 812 0 1 1 Date olProperryViewing: Ob12612011 tee of propery viewing: ~inlerior and Exlaria ^ Ederia Doty Q Dld not personely New ~nar~ m-5o•~w~w•••>r•~a~~~b.~ S.W. Barrett Real Estate & Appraisal Services FLOORPLAN Client' Saldis Sullivan & Rogers File No.: 11-0106 Property Address 28 Rolling Drive Case No.: Ci :Carlisle State: PA ZI :17013-4274 Covered Vord i ~ ! E m °oo KI[chen I ' Bedroom' m i ~ , m /~.. i m ^: ~ ~ ~' _i.. I_ ,...._._._. r Dining Uving Den Bedroom 0 ekrlN YrMa MWM^ Comments: AREA CA~CU~4~~©NSA'SUN!~tg/i~r ' ~ ``x # ~7v n1~,w„i~fOJ, .t ~W4 aSi tte Code Dascrl ti0~~ ~ ~ i kia{~~' L."'1 ~ ~ i ~~ ya ti W,yr~r ~s$ ~~ pp~~t``~~~~~ Fh ~j~,~~ ~ -muff` i~ ~ ~ .:~1.. ~'wl 7 P 1 ~I:.y.Y'.~G'.~R' n~t r~M 'e$nA " UG Xi1.F~M!,r !~ LN N~j'~F Ai GLAl Fs a£ Floors - ~ 12,54 0 -. 125¢ O;,y 83rat 8100=} i t / ~~ ~ _ axaz Second £looy j 615 P ~ `h t1 :61$ 0 > ~~ C~ p x 30 0 r u:,= 1230; 0 P/P' - Pos~ch - 72 D -~ ~~ ,k ~~ 0:1~ { 3 0 X 0 0 ~ 24.0; n ` sy t Seaond Ficor~ -_ ~ . :? - x ;15 0 ~ ~-615 ~s. ~';4ry ~ i. - s a r yi. X.• ~. ~ _ Net LIVABLE-Area .''(rounded) , •1669 ;: -.c 3 Items" ? - (rounded} =1869.: .L ' SU6JEGT PROPERTY PHOTO ADDENDUM Client: Saidis Sullivan 8 Rogere File No.: 11-0105 Pru4erry Address: 25 Ro-lina Drive Case No.: City' Carlisle State: PA Zip: 17013.4274 FRONT V1EW OF SUBJECTPROPERTY Appraised Date: April 2, 2011 Appraised Value: $175,000 I ~ , ~r ~r~ ~ ~ ; ~ ~~ ~~ ~,.. ~9 ~ ~ ~ C, ~'~ ~y.- ~ ~} ~ ~~ r y I- ~~ - i +- ~ " ~ .,.'~ i..... ~ ~•.1 7~ ~, '.~: ,. REAR VIEW OF SUBJECT PROPERTY STREET SCENE Detached Two Car Garage Corner of Rolling Dr and S. Hanover St rroauaa YS.ona utwe.~oo aana wmawromn aHn wimio COMPARABLE PROPERTY PHOTO ADDENDUM ClienC Safdis Sullivan S Rogers File No.: 11-0105 Property Address 2s Rolling Drive Case No.: CiIV' Carllsle State: PA Zip: 17013.4274 COMPARABLE SALE#1 46 Rolling Drive Carllsle, PA 17013 Sele Date: 0 711 612 0 1 0 Sale Price: $ 187,000 COMPARABLE SALE #2 25 Rolling Drive Carllsle, PA 17013 Sale Date: 10/2212010 Sale Price: $ 149,941 COMPARABLESALE#3 633 C Street Carllsle, PA 17013 Sale Date: 07/0612010 Sale Price: $ 179,900 .LOCATION MAP FloodNlap LegeYed Food Zones Areas taaMMed oY (i00~yaaraoodlna Araat aW Wa of Ihs 100- and S00-yav OoodplYnc Ardaa rwardaad by to0•yearNooding Ivosi tanaWed ay Ia0•year poodng wllh volocnyhezar0 Flood'rrrj anaz ~. Plooeray aragzx9lh volocay naaard . KdtlS Of Un6010rmIhOd OtA pOSSW10 a00tl nasefds .... , Naas rlol mapped On aoy puhastud FlfisA Flood Information Communily:4253&2 -CARLISLE, 80ROUGH OF Property Is not In a FEh1A speclel flood hazard area. Map Number: 42041C0240E Map Date: 03/18/2009 Panel: 0240E FIPB: 42041 zOr1R: ]( Nailher Trenasmerka Plond Maiard CerG[IOapon (TFNC] nnr AC1 maa9 AnY rapraunteYOncor warrandac to any party emcamtq the contan4 acouracy or oompl+Mnaaa ohhk paod sport, Indudlnp any wanan[y of marchanlabOtty or aln4aa fOr a pornaMr purpODa, N411her TPHC not AGl nor 1M alllar d th1A Good rap'ort shalt hcw any n.baty w any [htd party for any uaa or mhusa o} thU aaod rvporL ****'"'*** QUALIFICATIONS ***''***"'' The following checked items are SPECIFIC SPECIAL CONDITIONS that were Identified by this appraiser during the inspection of the subject property, the comparables sales, and their neighborhoods and locations. Unless otherwise noted, the conditions that apply to the subject property or the comparable safes used DO NOT AFFECT THE MARKET VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home inspection service. This is an appraisal to estimate market value. 1. The subject is located in a rural area and is Tess than 25% built-up. _x_2. Commerclalilndustrial uses ere located within the subject's neighborhood. These uses are typical of similar neighborhoods. _x_3. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for the area. ~4. The predominant value in the neighborhpod.is less than that of the market value of the subject property. This is due to the very wide range of value of properties in the area and superior quality of the subject property. _5. The subject property is located in a F.E.M.A. Identified Flood Zone. Flood insurance coverage is required and suggested. _6. Dampness is noted in the basement of the subject. Standing or running water was not present on basement floor. This condition is considered typical in dwellings of this style. _7. The subject.property is serviced by private well andlor septic systems which is common for the area. _x 8. The subject is older than flve(5) years. All mechanical systems including the heating, electrical and plumbing systems appear upon a visual exterior inspection to be in working order. No warranties are implied in this statement. _9. Repair,items were noted in the comments section of the report. These comments on repair items are for descriptive purposes only and era not.required repairs. The. items listed are cosmetic in nature. 10. The basement floor is a dirt floor. This condition is common and typical for the area. and does not pose a health or safety hazard. _11. The subject property does contain functional obsolescence es noted in the report. This condition is considered typical and common for the area and this style dwelling. 12. The land value exceeds 30°/. of total value due to the high demand for vacant land in this neighborhood. This condition is considered common and typical for the neighborhood. _13, The land value exceeds 30% of total value. This is due to the large size of the site. This condition is considered to be typical and common. _14. Individual adjustments were required that exceed 15°~: These adjustments were required due to lack of more similar comparables on that Individual rating. All comparables used are the best available. _15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the subject's market area. All comparables used are the best available. _x_16. One or more comparable sales are older than six(6) months. Although there are comparable properties in the subject's area, none have sold recently; therefore, sales in excess of six18) months have to be used. All comparables used are the best available. _x_17. One or more comparables used were In excess of one (1) mile from the subject property. Although there are comparable properties in the immediate area, none have sold recently. Therefore, it was necessary to use comparable sales outside of the immediate area.: Ail comparables used are located in similar neighborhoods and within the same marketing area. All comparables used are the bast available. _18. The electrical system was not connected during inspection. 19. The water service was not connected during inspection. _20. The heating system was shut down during inspection. _21. Rooting_Plumbing_Electrl~al_Heating_certiflcation(s) is/are suggested. _22. Inground swimming pool_~ out buildings are inciuded_,not included_according to lender's guidelines. _23. According to lender's guidelines a maximum of acres were considered for this valuation. Remaining acreage was given no value. Fla No. 11-0105 "*~`'"'*''** QUALIFICATIONS ********* _24. The subject property is located on a private road. 25. Wood' infestation Inspection is suggested. x 26. Last recorded deed transfer: Date_0713011993_, Consideration: $1.00 _27. Proposed constructionlrenovatlon in accordance to plans and specifications to be completed in a workman-like manner. `28. Seller Is paying part or a(I of closing costs. _x_29. All comparable sales are verified closed sales. _x_30. There are no special conditions or other requirements that would affect market value or future marketability In the Appraisal Report. 31. AMC fee was required in order to accept this appraisal request. IYY. -1-1 ~Y-1 V V ******"*" QUALIFECATIONS "***"*'`** Confidentiality and Security Policy We consider privacy to be fundamental to our relationship with clients. We are committed to maintaining the confidentiality, Integrity and security of clients' personal information. Internal policies have been developed to protect this confidentiality, while allowing client needs to be served. We restrict access to personal information to authorized Individuals who need to know this information to comply with federal standards to protect your nonpublic personal information. We do not disclose this information shout you or any former consumers or customers to anyone, except as permitted by law. The law permits us to share this information with our affiliates. The law also permits us to share this information with companies that pertorm marketing. When we share nonpublic information referred to above, the information is made available for limited purposes end under controlled circumstances. We require third parties to comply with our standards for security and confientiality. We do not permit use of concumerlcustomerlnformation for any other purpose nor do we permit third parties to rent, sell, trade or otherwise release or disclose information to any other party. Education As of the date of this report, I andlor Steven W. Barrett, SRPA, SRA, ASA have completed the requirements under the continuing education program of the Appraisal Institute and the American Society of Appraisers. ACNB Historical Prices ~ ACNB Corporation Stock -Yahoo! Finance Page 1 of 1 New User? Register Sign In Help Make Y! Your Homepage Yahoo! Mail Y.~Ha~~~ FINANCE search ~ web'search Dow t 0.77 % Nasdaq 1 0.62 NEWI HOME INVESTING NEWS PERSONAL FINANCE MY PORTFOLIOS EXCLUSIVES ~~--~ GET QUOTES Finance Search Tue. May 37 201? ; 10.21AM EDT - US Markets close in 5 hrs and 38 mins ACNB Corp. (ACNB) "`""" ~~ ACNB IS UP ~~.~~ i'nnuAs ;.~ Historical Prices Set Date Range Start Date: qpr - 2 2011 Eg. Jan 1, 201D End Date: Apr 4 2011 Get Prices ACNB Get Hlstodcal Prices for:.,... _ _ _ GO r+` Daily ;;) Weekly y t 1 Monthl :How to Relieve Joints? ~`; Dividends Only Shocking Discovery by ~ :Boston Researchers for Amazing Joint Relief... 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Inlemational historical chart data, daily updates, fund summary, fund performance, dividend data and Momingslar Index date provided by Mamingstar, Inc. t ., rrr• t r n n__ w nt. rr~ n n~ n t n n nn. + n t n-t n x n r not t o t r r~ ~ rnn~ , Estate Valuation Date of Death: 09/02/2011 Estate of: Estate of Joanne Houser Valua tion Date: 09/02/2011 Account: HD Vest 1569-1789 Proce ssing Date: 05/31/2011 Report Type: Date of Death Number of Securities: 25 File ID: Houser, Joanne Estate HD Vest 1569-1789 Shares Security Mean and/or Div and Int Security or Par Description Hig h/Ask Low/Bid Adjustments Accruals Value 1) 39 ALCATEL-LUCENT (013904305) SPONSORED ADR New York Stock Exchange 09/01/2011 5.90000 5.79000 H/L 09/04/2011 5.91000 5.80000 H/L 5.850000 228.15 2) 3 AMERICAN FINL GROUP INC OHIO (025932104) COM New York Stock Exchange 09/01/2011 35.72000 35.11000 H/L 09/04/2011 36.00000 35.67000 H/L 35.625000 106.88 3) 200 ASTRAZENECA PLC (096353108) SPONSORED ADR New York Stock Exchange 09/01/2011 96.72000 96.15000 H/L 09/04/2011 97.02000 96.79000 H/L 96.670000 9,334.00 4) 196 AT&T INC (002068102) COM New York Stock Exchange 09/01/2011 30.93000 30.36000 H/L 09/04/2011 30.89000 30.69000 H/L 30.692500 9,981.11 5) 651 CBS CORP NEW (129857202) CL B New York Stock Exchange 04/01/2011 25.97000 29.53000 H/L 04/09/2011 25.08000 29.71000 H/L 29.997500 16,290.82 6) 100 COCA COLA CO (191216100) COM New York Stock Exchange 09/01/2011 67.98000 66.60000 H/L 09/04/2011 67.79000 67,16000 H/L 67.257500 6,725.75 7) Unknown CUSIP (224105106) ~~ £ i~t 5~" 1 ~ ~~--~ 0.00 8) 200 DIEBOLD INC (253651103) . COM New York Stock Exchange 09/01/2011 35.75000 35.07000 H/L 09/09/2011 35.59000 39.90000 H/L 35.327500 7,065.50 9) 200 EXXON MOBIL CORP (302316102) COM New York Stock Exchange 09/01/2011 89.89000 89.17000 H/L 09/04/2011 89.93000 89.07000 H/L 89.502500 16,900.50 10) 3399 FULTON FINL CORP PA (360271100) COM The NASDAQ Stock Market LLC 09/01/2011 11.90000 11.16990 H/L 09/04/2011 11.97000 11.29500 H/L 11.333725 38,523.33 Div: 0.09 Ex: 03/24/2011 Rec: 03/28/2011 Pay: 09/15/2011 135.96 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 : 04/02;2011 Estate of: Estate of Joanne Houser Valuation Dat e: 04/02/2011 Account: HD Vest 1569-1789 Processing Da te: 05/31/2011 Report Type: Date of Death Number of Securities: 25 File ID: Houser, Joan ne Estate HC Vest 1564-1789 Shares Secu__*i*_y Mear. and/or Div and Int Security or Par Description High/As}: Low/Eid Adjustments Accruals Value 100 HEINZ H J CG (423674103) 11) COM New Yor}: Stoc}: Exchange 04/01/2011 49.12006 98.62000 H /L 04/09/2011 99.14000 98.90000 H /L 98.995000 9,899.50 Div: 6.45 Er: 03/22/2011 Rec: 0 3;24/2011 Pay: 09/1 0/2011 45.00 12) 1000 HERSHEY CO (927866108) COM New York. Stock Exchange 04!01/2011 59.71000 59.14000 H/L 04/09/2011 59.79006 59.35000 H/L 59.497500 54,497.50 13) 100 KELLOGG CO 19E7836108) COM New York Stoc}: Exchange 09/01/2011 59.19006 53.99000 H/L 04/09/2011 54.23000 54.01000 H/L 59.092500 5,909.25 i4) 10 LSI CORFORATION (502161102) COM New York Stoc}: Exchange 04/01/2011 6.90000 6.61000 H/L 04!09/2011 6.72000 6.46500 H/L 6.673750 66.79 15) 1226 M & T BK CORP (55261F104) COM New York Stock Exchange 09/O1/2C11 89.97000 88.74000 H/L 09/04/2611 89.85000 89.09000 H/L 69.900000 109,604.90 16) 57 MERCK b CO INC NEW (58933Y105) COM New Yor Y, Stock. Exchange 09/01/2611 33.25000 33.00000 H/L 04/09/2011 33.37000 33.21000 H/L 33.207500 1,892.83 Div: 0.38 Ex: 03/11/2011 Rec: 03/15/2011 Pay: 04/07/2011 21.6 6 17) 100 PPG IN DS ZNC (693506107) COM New Yor}: StocY. Exchange 09/O1/2U11 96.55000 94.65000 H/L 09/09/2011 96.76000 95.18000 H/L 95.785000 9,578.50 18) 100 RITE AID CORP (767754104) COM New York Stock Exchange 04/01/2011 1.07000 1.09000 H/L 09/09/2011 1.07000 1.09000 H/L 1.OSSOOC 105.50 19) 1199 SUSQUEHANNP. BANCSHARES INC PP. (869099101) COM The NASDAQ Stoc}: Market LLC 09/61/2011 9.59006 9.37000 H/L 09/09/2011 9.62000 9.91000 H/L 9.997500 11,390.02 20) 29 SYNGENTA AG (87160A100) SPONSORED ADR New York Stoc}: Exchange 09/01!2011 66.11900 65.25000 H/L 09/04/2011 67.09000 66.90000 H/L 66.219750 1,569.15 Page 2 This report was produced with Esta*_eVai, a product of Estate Valuations U Pricing Systems, Inc. ?` you have questions, please contact EVF Systems at ;818) 313-6306 or www.evpsys.com. (Revision 7.1.0) Date of Death: 04/02/2011 Estate of: Estate of Joanne Houser Valua tion Late: 09/02/2011 Account: HD Vest 1569-1789 Proce ssing Date: OS/31/ZOll Report Type: Date of Death Number of Securities: 25 Fiie ID: Houser, Joan ne Estate HD Vest 1564-1789 Shares Security Mean and/or Div and Int Security or Par Description High/P.sk Low/Bid Adjustments Accruals Value 21) 651 VIACOM INC NEW (92553P201) CL H New York Stoc}: Exchange 09/61/2011 97.85000 96.73000 H/L 09/04/2011 97.55000 97.13000 H/L 47.315006 30,802.07 22) 5000 BETHLEHEM PA NEW PUH HSG AUTH (087955FU0J Financial Times Interactive Data DT D: 02!01/1971 Mat: 02/01/2012 5~ 04/01!2011 102.39900 Mkt 09/04/2011 102.3910C M}a 102.395000 5,119.75 Int: 02!01/2011 to 04/02/2011 52.36 23) 955.056 TEMPLETON GROWTH FD INC (880199203) CLASS C Mutual Fund (as quoted by NASDAQ) 04/01/2011 18.69000 Mkt 18.690000 17,802.29 29) 9 INVESTORS MUN PA UNIT TR (961656209) UT 2ND SER Miscellaneous OS/01/2011 36.10000 A/B 09/04/2011 36.08000 A/B 36.090000 324.61 Carryover + Daily Interest 10.26 25) 5 PENNSYLVANIA INSD MUNS INCOME (70889B570) UT SER 106 S Miscellaneous 09/01/2011 212.09000 A/B 09/09/2011 211.99000 A/B 212.015000 1,060.06 Carryover + Daily Interest 25.35 Total Value: Total Accrual: Total: s 353,978.97 ?80.59 353,698.38 Page 3 This report was produced with EstateVal, a product of Estate Valuations & Pricing Systems, Inc. `_ you have questions, pease contact EVF Systems at (818) 313-6300 or www.evpsys.com. (Revision. 7.1.0; Estate Valuation Date of Death: 04/02/2011 Estate of: Joanne Houser Estate Valuation Date: 04/02/2011 Account: HD Vest 1569-1789 Processing Date: 05/31/2011 Report Type: Date of Death Number of Securities: 1 File ID: Houser, Joanne Estate HD Vest 1569-1789 Cracker Barrel Shares Security Mean and/or Div and Int Security or Par Description High/Ask Low/Bid Adjustments Accruals Value 1) 100 CRACKER BARREL OLD CTRY STORE (22410J106) COM The NASDAQ Stock Market LLC 04/01/2011 99.39000 48.93000 H/L 04/09/2011 99.61000 48.94010 H/L 49.080025 4,908.00 Total Value: 54,908.00 Total Accrual: 50.00 Total: $9 ,908.00 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) Estate Valuation Date of Death: 09/02/2011 Valuation Date: 09/02/2011 Processing Date: 05/23/2011 Shares Security or Par Description High/Ask Low/Bid 1) 5971.697 VANGUARD SPECIALIZED PORTFOLIO (921908604) DIV GRW FD Mutual Fund (as quoted by NASDAQ) Estate of: Estate of Joanne Houser Account: Vanguard Report Type: Date of Death Number of Securities: 4 File ID: Houser, Joanne Estate Vanguard Mean and/or Div and Int Security Adjustments Accruals Value 09/01/2011 15.19000 Mkt 15.190000 83,119.32 2) 888.66 VANGUARD STAR FD (921909107) SH BEN INT Mutual Fund (as quoted by NASDAQ) 04/01/2011 19.86000 Mkt 19.860000 17,648.79 3) 1937.692 VANGUARD/WELLESLEY INCOME FD (921938205) ADMIRAL SHARES Mutual Fund (as quoted by NASDAQ) 09/01/2011 53.69000 Mkt 53.690000 77,189.68 9) 3739.061 VANGUARD PA TAX FREE FD (92209L109) LONG TAXEX INV Mutual Fund (as quoted by NASDAQ) 04/01/2011 10.67000 Mkt 10.670000 39,895.78 Total Value: $217,898.57 Total Accrual: $0.00 Total: $217,898.57 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) Joanne V~~. Houser C/o Robert C Houser Jr 96 Fairview St Carlisle, PA 17015-3120 ~, Page > 1 of 1 _ ~`, ."..,~ .. Vanguards Voyager Services: 800-284-7245 Total report value: $217,857.55 (Total report value includes any accrued dividends.) Y ry ;Joa ra~e.~'E s. a ~~ ~AFCOui- .a ` 'mn7`d Y+A.K x7~~0' t r~ ~} 4 4 Name,, a a ~'fi~ ~~~ Func~µ&~oco t _ a e - h#''Kkr ~ '~, xae tMa i ,,, Wr'4 '~'~ d 5 ' `nl{. '~~BM .il 4. ~ 1~vyL-' +i~ _ Ia~.'~ er ~ r ~eor aa,~~ I'H~ y. 4ti' ~ S e tlaa _ r rrv "4 ~ ~~ 1 13 i W ~tt~` 0 ' ~ ~ R ~ s~~ ~'~I~Cumbe : a~ , a R ~ ` ' ' ~ ` ~ #, ' af1,t~~t' "}, ' ' t?tvide~ ~~~Sf~ar~~s '=at;. s ,. aa : l fh"" ' ~ ~~~ ~ ' ' 3 ' -,..... i~' ~I I1.1,G,, ,,. ~ ii 7 ~J:~ 1 f ~C~u: w f',..S-L.= :C. u_.:. isti al7Wx ux.~ ~. ~T,al_~,~ ia3 ....vil !I .~1 ~~~Ylaen~l-. u _...c Wellesley Income Fund Ado 0527-09894627700 11118!2010 1,437.692 $53.69 $77,189.68 - STAR'FUnd Ba ",.r Ffil lF 1 f 11'911 I' ~ Mt Y.'~ ~U55 0989•~62~7~7~t~0/4 -~ 9 r 4 ~ t4' HI iP.~fiMlkr"Y.t~ {49^~F4N R MFY ~ 4'~ M ~ iry,,}5,~ 0 i~Pi~ Y l"'. ~ &88~6!6D ~$~,}(t9~8~~ ~'~'6~~579 ~` 5 ~*~ 5~' - 't~~ ~ ~ ~ ~~~!`~~ `~~ v ' ~ ~ ~ s ' t: ie:..ni aa,ifi ix .g r ;..v?um acu:w'~31 .157,, ~ r:3 i ~ .~, , ,' r ~,t,56.f3mxu~: mr4~nwt:.:i lua~> . . t Y da PA LT Tax-Exem : es`.~r 0077 09894627700 04/27/1995 3,739 061 $10.67 $39 895 78 $8 98 Wellesley'Income Fund lrn 1 ~~~- ~• ~~~ ,~>P s>~ . j X027 ~O9'$94'fi2~'n~lD ' ' .• . ~~~ h~•~~`~; ~ ~"l~h"`~~~1~~'~°~-_ 3 ~~' ~~0 0 f ~ ~ ~~ ~2 ~~ , : ~ ~~ , Dividend Grov:~t~ G~~,~, 0057-09894627700 04!27/1995 5,471.647 $15.19 $83,114.32 - - - ; , '~i~ ~ ~ ~I:. __ r-~~~"~~ `'cols _.,~~ ; Y ~~ ,x ~ 0~ 21>'!'~48 57 ~ ,~,~$8°88 ~ .,~. , ~ , ... :. .._ ' Doesn't include accruetl divide nds. *' As of the prior business date, 0410 1 /20 1 1, since the report date is a nonbusiness day. 0215510393 06/23/2011 10:29:43 S®~e~eig~. JOANNE W HOUSER Balances Account # 2894020789 "Beginning Balance-_ $8 312:59 Curreht=Balance $10,389;03___ Deposits/Credits + $4,076.44 Average Dally Balance $8,935.44 Withdrawt~ls/Debits - $2j000:00 This balance was calculated for the period beginning on 03101!11 and ending on 03/31/11 Interest `Paid this Reriod'* "$.;2.27 Annual Percentage'Yield Earned 0:1'0°1° Earned this Period $ 0.84 Paid Last Year $7.48 Paid'Year~To-Date $.2.27 *The interest earned and the interest paid may differ depending on when interest is credited to your account. Account Activity Date Description Additions Subtractions Balance 03-25 Beginning Balance $8,312.59 03-31 'PA TREASURY DEPT ANNUITANT 110331 $1,308.27 $9,620:86 .095991 ,T_~- 03-31 INTEREST CREDIT $2.27 ~ ~ I $9,623.13 04-08 US TREASURY 303 XXSOC SEC 040811 $2,765:90 ,~j• ~~ ~ ~ ~1G,~tsy:u~ A SSA - ~ ~1f 04-11 AUTO DRAFT SENT TO 02891026446 $2,000.00 $10,389.03 04-24 Ending Balance $10,389.03 ~~ ~p~~ ~ .gyp ~ ' ~' IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR Cl1STOMER SERVICE CENTER AT THE NUMBER SHOWN ON THE TOP OF YOUR STATEMENT OR WRITE TU THE BANK FOR DEBIT CARD ISSUES: Sovereign Bank Attn: Card Disputes Team MA1 MB3 02 OS P.O. Box 831002 Boston MA 02283-1002 FOR ALL OTHER ISSUES: Sovereign Bank Attn: Client Relations 10-421-CK 1 P.O. BOX) 2646 READING, PA l9G 12-2646 Please contact us if you think your statement or receipt is wrong or if you need additional information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared. • 'fell us your name and account cumber. • Describe the error or the transfer that you are unsure about and explain as clearly as you • Te)I us the dollar amount of the suspected error. can why you believe there is an error or why you need further information. If you tell us orally, we may require you to send your complaint or question in writing within 10 business days. We will promptly investigate the matter and call or write to you with an answer within 10 business days O 0 calendar days in Massachusetts). If we need more time, we ma ~ take up to 45 days to investigate your complaint or question, If we do, we will credit your account within this ) 0-day perod for the amount you thin is in error, so you wdl have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ] 0 business days, we may choose not to credit your account. For errors involving neH accounts, point of sale purchases or foreign transactions, we may take up to 90 days to investigate your complaint or question. For new accounts. we may lake up to 20 business days to credit your account for the amount you think rs in error. We will tell you the results of our investigation within 3 business days after completing our investigation. If we decide there was no error, we will send you a written explanation. 1'ou may ask for copies of the documents we used m our investigation. Important information about your Sovereign Debit Card The networks through which some of your Sovereign Debit Card purchases are processed have begun allowing merchants to process your purchases •Y - without either a signature or a P[N. Ifyou are not required to enter your PIN when you make a purchase, your ppurchase ma}' be processed either through the Visa network or through the STAR or NYCE networks. if your purchase is processed through S'fAR or NYCE. difterent terms apply and you will not he eligible for the nghts and protections available through Visa. Please see your Personal Deposit Account Agreement for more infomiahon. { page 3 of 4 2891(126446 N ~ 0 ~~ ~ ~ i a~ WW ~--_ r~ i r~ ` rn m (`')' / In I '. ~ v '. O co I ~. ~- : in Z1~ m N O n to Q p I V ! ~ Z i ('~ r O N ~ R i C`') (~'~ ~ V ~ 0 p I N ~ a _ ~. ~ 4- ~ U- ~ O I v~J ~'. ~ ~ ~i U~ N CWO '( O 01 I( Qi ~ O ~"' _- _ ~ j ~ m = _ O O ~ O '. O aD ' oD ~a0 ~cD ~ O 1 0 iW ', a0 O a0 ' ~ o ~ Off= O ~~ I ~ ~' ~ ',. ~ N ~ C ~ U C C ~ ~ i, Q i ~ 'I U ~, i ~ 4- 0 I i I I ~ ~ 0~ O I j i . I ~ N~ ~ ~ ~~ _ ~m m ~ ~~ i('~7 O ~ I .'' V N ~ ~ N O C O Q ! 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' ~ ~ ~ CC C C (O j ~ I W +~+ V F ~ ''OIO O O ',O ~ r !N ~' N! ~ V~ IO Q~ co m m W '> : O Q Q ~ ',cv d' V !v v ~,v vi Q = Q V GS~LL O ''> 1- O OO O O O O O O O - O O z z z z z Z Z Z Z m c r 0 M c~ z o`~ 1996 Ford Escort -Private Party Pricing Report -Kelley Blue Book Page 1 of 2 ~~~'~ THETiIt115T£D RESQURCE ~ Send to Printer • -IbktllMl advertisement __.. 2011 CHEVttOLE'T CRUZE ~dChorces~'J . ~-- .,.. More passenger room and cargo space than the Honda Civic and ~"""1yw~"'"` Toyota Corolla. CM~kfl2i~t..it'T j Build Your Own Request a Quote Locale a Dealer 1996 Ford Escort LX Wagon 4D -advertisement ---- BLUE BOOK® PRIVATE PARTY VALUE Condition Value Excellent $2,925 Good $2,700 ,+' Fair $2,200 (Selected) Vehicle Highlights Mileage: 69,895 Engine: 4-Cyl, 1.9 Liter Transmission: Manual, 5-Spd Drivetrain: FWD 4 '; Selected Equipment Standard I Air Conditioning AM/FM Stereo Steel Wheels Power Steering Dual Air Bags Blue Book Private Party Value Kelley Blue Book Private Party Value is the amount a buyer can expect to pay when buying a used car from a private party. The Private Party Value assumes the vehicle is sold "AS Is" and carries no warranty (other than any remaining factory warranty). The final sale price may vary depending on the vehicle's actual condition and local market conditions. This value may also be used to derive Fair Market Value for insurance and vehicle donation purposes. Vehicle Condition Ratings Excellent $2,925 • Looks new, is in excellent mechanical condition and needs no reconditioning. • Never had any paint or body work and is free of rust. • Clean title history and will pass a smog and safety inspection. • Engine compartment is clean, with no fluid leaks and is free of any wear or visible defects. • Complete and verifiable service records. Less than 5% of all used vehicles fall into this category. Good ~`:" $2,700 • Free of any major defects. • Clean title History, the paints, body, and interior have only minor (If any) blemishes, and there are no major mechanical problems. • Little or no rust on this vehicle. • Tires match and have substantial tread wear left. • A "good" vehicle will need some reconditioning to be sold at retail. Most consumer owned vehicles fall into this category. ~Il~si'A~JJ, Enter ZIP Code: s~ s 1'ou tel[ lus. ~_ ~ $50 _._. ~ ~- fir. «,x ~. ~ • ~ y Close Window advertisement 1996 Ford Escort -Private Party Pricing Report -Kelley Blue Book Page 2 of 2 +~ Fdlr (Selected) ':~°' $ 2, 200 • Some mechanical or cosmetic defects and needs servicing but is still in reasonable running condition. • Clean title history, the paint, body and/or interior need work performed by a professional. • Tires may need to be replaced. • There may be some repairable rust damage. POOr i~ N/A • Severe mechanical and/or cosmetic defects and is in poor running condition. • May have problems that cannot be readily fixed such as a damaged frame or a rusted-through body. Branded title (salvage, flood, etc.} or unsubstantiated mileage. Kelley Blue Book does not attempt to report a value on a "poor" vehicle because the value of these vehicles varies greatly. A vehicle in poor condition may require an independent appraisal to determine its value. * Pennsylvania 05/17/2011 © 2011 Kelley Blue Book Co., Inc. All rights reserved. 5113/2011-5/19/2011 Edlbon. The spedfic information required to determine the value for this particular vehicle was supplied by the person generating this report. Vehicle valuations are opinions and may vary from vehicle to vehicle. Actual valuations w!U vary based upon market conditions, spedfirations, vehicle wndltlon or other particular circumstances pertinent to this particular vehicle or the transaction or the parties to the transaction. This report is intended for the individual use of [he person generating this report only and shall not be sold or transmitted to another party. Kelley Blue Book assumes no responsibility for errors or omissions. (v.11052) Otieci: #; 00043_3E OS;'~i'?C'__ Vendor: 2%43-ESTATE Oh JOANNE HOLTSEF. Sou u. M~ddle~or. Scnoo_ Invoice No Date Amount PC No Budgeta~~Account Description _0~~.~_ lOC-=~~00000000`v00U000000U0G HE~::Lm~- _N~ REEUNLs ~ ~ • a. 'tq - -tom.. e e e~• qr ~ •~® n - • • n G_NE:RAL rUND M&T BANK 4 313 8 SOIJfN MI©~LET©I~ SCHOUL ~lSTRI~T 4 FORGE ROAD °' ' BOILING SPRINGS; PA 17007 ~~.09/21i2011 OOU43138 ~ PAY e *****1,059.72 Pay Exactly One Thousand Fifty-Nine Dollars And 72 Cents 70 THE VOID AF7cR 60 DAYS ORDER •- OF -' ' ESTATE OF JOANNE ROUSER r:~r'J ,' ` ~~~ II'043 1138~~' ~:031302955~: ~~' 13111 ~0437~~' ,Nw ~. ~~~ CHECKING I MONEY MARKET ACCOUNT CASH ~ cuRaElacv ~ ~~" DEPOSIT TICKET o u~LL BANK sr+_ _ ~~ _ ~~ , DHTE ~~~~ DEPOSITS A1kf NOT BE NVNILFBLE FUR IMMEDINTc VJIiHDRlNJAL °`= ~_S TOTNL. FROM 01HERSIDE~ ; ;~ C~ n NAME GS7 a-~e G'~ ~ tl~n ~UC1 5c'_,"t PEASE PRINT 0 sueTOT~,L~ w w ~` LESS :;ASH - H~~T ~ ~? ~ 3 3 / ~ 7 ~' ~ ~ ~ l 0 5 ~' , 7 d x:03 i3o Lal~,6~: i0 HOLQ DOCUMENT TO`L'IGHT`:TO1S/i=R3FYxWATERMARKS ~ ~ 0.9'7 6.3 6 -Q ppeeg~ !00000 001 015 1042111 X01573097 ~ E71524 ~ j 6"O-2'74 ~i~ 64O{lG7~~ ~ ~ I L 31:3 CDC i FUNG DE°' PHEF DATE VOUCHER j WARRAN? ID J ~ - 'CHECK...NUMBER FULTON BANK, t LANCASTER, PA n ~ln.enn~tmentt! ~ ~[i e. ea~~e 05 / 1 0 / 201 1 VERIFICATION AVAILABLE - "P,OSITIVE PAY":PROTECTED PAY - E S1E{ S`IX '®® UN L~~ N ~ _i_J cTS cTs TO THE ORDEP OF JOANNE W ROUSER DLN 105001432298 REV REFUND 96 FAIRVIEW ST CARLISLE PA 1 701 5-31 20 m 0 ~u~~~~~n~~~uun~~~~~~n~~~uu~~n~~~~~n~{~~~u~~~uj~~~~ DATE VOID AFTER '180cDAYS TREASURER OF PENNSYLVANIN II'6~,002?i811' ~:03i302748~: i2i9 538,711' e e • ei e e e e • - D~POSITTICKET ESTATE OF JOANNE W ROUSER 96 FAIRVIEW ST CARLISLE, PA 17015 ~ i DATE .i' % /ai~~~ DEPOSRS W1Y NOT 0E AVANA•LE FOR NiMFDWTE WITHOMWAL SIGN HERE IF CASH RECEWEO FROM DEPOSff ,~E~'R© BANK 0o no' us. ~Fr~osr ncre~ Ituum:c : ror au:nrarr^. rxn,9~ra:. us: voicer~ cNrcr. x:03 i 3D i846~: 60-184/373 O1 CASH C H ~ E ~ 7(~,G K S CHECKS OR TOTAL FROM OTHER SIDE TOrrees SUB TOTAL ~ , LESS CASH ~ , oePOSir $ /' ~ ~ ~ G' d 2833 16783 611' i0 100 17:02 5/13/2011 1104 **''***7838 T1rDDDep $ 196.00 CARLISLE STORE111 •~~•-1*P3•R~*1 EXPLANATION OF REMITTANCE U SLATE FARM MU UAL AJTOIv1081LE INSURHNCE COIv1!'ANY HEALT ERATION°CcNTEF'EAS? P.G. BO>:3070 NEWARM:.OF; 4 305 8-307 0 JDANNE W ROUSER PO BOX 428 CARLISLE PA 17013-0428 Lr,11L„I Ilrnu~ll~~l{.IL,~J~~L~I~ILJ~~~IrII,J~rL~ll Policy Type MEDICARE SUPPLEMEt`T~ PLAN 'F' Prin Insured JOANNE 11V ROUSER Policy HE876063 3838 Patient JOANNE 1N HUUSER Birth Date 09/17/23 Claim 38 38-HOD170664 Print Date 06/13/11 A REFUND OF 519.62 HAS BEEN SENT TO US ON OUR ORDINAL PAYMENT IN THE AMOUNT OF 519.62 FOR SERVICE CS) FROM 02062011 TO 02062011. A REPLACEMENT CHECK IN THIS AMOUNT IS ATTACHED. PLEASE LET US KNOW IF YOU HAVE ANY QUESTIONS. ,.., STATE-F.ARM'M:UTUAL At7TOMOBIL`E INSURANCE COMPANY 56=1544/441 ~~ HEALTH OPERATIONS CENTER EAST NEWARK off 43oss-ao7o' t~~:~ 113113199.E ~, ACCOUNT ID CLAIM NUMBER 38 38-HOD17D664 DATE 06/13/1 l FED-TAX ID "'NINETEEN AND 62/100 DOLLARS"' PAY TG THE JOANNE W ROUSER ORDC-R OF PO BOX 428 Y CARLISLE PA 1 70 1 3-0428 i JPMORGAIJ CHASE BAN Y., NA COLUMBUS, OH 11'~3151L3~9911' 1:~4~,1L5~,43~: *"** ] 9:62 Chairman ~lBaSW 21 r?2 ~4~,9?311' AOHC 960-94017 e;."s Rev 05-2003 lo7 h~eG2ej DM I~:~R~~ State ~;~tm Mutua3 Aufomc7bile tnsurance'Gor~.pan~+ ' ~' Heai#h Operations Center East Newark, CH ~305B-3080 '2b9<ACC'T:-UNLESS OTHERWISE ~JNDICATEG I 11 ~131756~3 56-7S4Q/447 Premium -Check SATE of cHEcx FIL- NuMBEP 06-14-2011 HE876063 3838 QQ "'SEVEN HUNDRED TWENTY-SIX AND 22/100 DOLLARS"' ~P ""726 22 i PgYTOTHE THE ESTATE OF ' ORDER of JOANNE W ROUSER y n ~~ CHAIRMAN ~'~LC/L~ ~°'-~ 5 TR_ASF URER TC JPMORiiAN CHASE BANK. NA COLUMBUS, OH 1o1h5713d) 80 96106 ++' ~3 Lti 131256++' ~:D44115ti43~: 77? X449?31+' DEPOSIT TICKET bD-784/37; -~ ESTATE OF JOANNE W ROUSER °t _' 9fi FAIRVIEW ST CASH - ' CARLISLE, PA 17015 H 1 ~ -~ ~ ~ ~ ^w D( f .7, 4.~ - ~ E I C K ~ < _ r / S 't ~' / ~ DATE ~.'= CHECKS OR TOTAL -' OEPOSR6MAY/gTgEAVALLABIEWRIMMEDWTEWITHDR4WA~ _ FROM OTHER SIDE ' SIGN HERE IF CASH RECEIVED FROM OEPOSiT ~~~~ TOETids SUB TOTAL ~ - ~ BANK LESS CASH ' _ N ~ '- ~ Lc'cOSI- ;\ ...- e ~~ G~ ,. ~,I ,.. vf1J ~... F:0 3 L 30 LB 4 6~: 28 3 3 :6 ~8 3 61+' LO o rn ~~ _ c T O ~y~ rJ ~~J Q -~ Q` - G G a~ i ~ ~' i p 3t ~ i C ~ ~ ~` j 7 i ~ -~ F ~- x } i t ~- OY ~ z ~ Q w ~ -x- E- W m c~'n m J r' CC o '~` *~ Q ~ U ~ ~` ~- ~- Cn -z- W ~zwo ~cF~ U ~ -~ 7 ~y¢ a~ ~ ~~ ~ Cy C~U azx~ o T 0 y ,...~ d ~ u) emu a ~ ~ G z ~ c ne-. C ~ d ~ cn w v L W O ~ W { Q~ ~ F a0 '` G' O L-1 Q O v c v c 0 0 ~: w 0 a 0 x a O w 0 rn TM~y~ ~.' J v ~, ~. s u~ c r rf1 ri1 rf1 .. ~~ C __~ U a. .~ v v 0 -~ c~ ~' a, ~ti 0 ~ o J ~ ~ ..a o O 0 rY1 ~ .a r ~ o N ^ =~ Q, O ~ O Q' ~ -+ LLl o ~ O O , ff ~ /^ / Vl V_J ~ QJ ,/ Vl N • EXPLANATION OF REMITTANCE INSURANCE STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY HEALTH OPERATIONS CENTER EAST P.O. BOX 3070 NEWARK OH 43058-3070 ESTATE OF JOANNE W ROUSER PO BOX 428 CARLISLE PA 17013-0428 I~nlllu~llin~n~ll~ril~lluul~~l~~l~linln~l~ll~~l~~lull Policy Type MEDICARE SUPPLEMENT PLAN 'F' Prin Insured JOANNE W ROUSER Policy HE876063 3838 Patient JOANNE W ROUSER Birth Date 09/17/23 Claim 38 38-HOD170664 Print Date 07!13/1 ~ A REFUND OF 533.80 HAS BEEN SENT TO US ON OUR ORIGINAL PAYMENT IN THE AMOUNT OF 533.80 FOR SERVICE(S) FROM 03262011 TO 03262011. A REPLACEMENT CHECK IN THIS AMOUNT IS ATTACHED. PLEASE LET US KNOW IF YOU HAVE ANY QUESTIONS. oq(' oFn.oam7 a a Ro,, na-~nn~ i.nh~omoi r~M r~ WZ3'~0946G-0~'~~' -9 Q'~ mp~ii~ O T m n C ~ ~ ~ rn Z r p C7 f m v co Tn ~~~ co rn Z ~m ro ~ Z °' -n ~ CD ~ n zap ~ ~ ~' n ~ m m ~. m ~ co2o a ~ ~ -~ "~ r- D r a o L 1'~ E ~i ~ ~ ~ L . O o ~` ~ G O ~ L O ~ ~ Z ~ O - ~ ~ ~ o -.1 -, 7 O sv 7 ° O rn 'Y1 ~ ~ e O ~ (D * ~ .n o T ~ N o m m ~ `~ ~ N m -a ~, r ,~ m T ~. ,~ ~ z D D ~ n ~ ` .~ (I~ C) 7.7 ~ c r iy ~ ~ cn ..~ m ~ ~ ~ -., ~ ~ ~~~~ o ~ ~ ~ ~ r _" p :, y ~ Q CJ~ ~ ~ ~ .P . ~ W ~G ~ Q L Y SJ ~ , } . O O p q ~ W ~ ti ~ w m * ? ~=° a o D N -a -n N ~ CD ~ © - ~ * * ~ < W N r O . ~ ~ o - ~ { '~ ~ Z m ro m m m m < ~ ~ ,, t C2. ~ C~ t 1 W '~ rt o' ~ s y t m ~ ° ~t ~ '~--~ ~, ~ * * * CX~ ~ 1 y 1 {4~ G 0 * 00 W * W ...a ` ~; r mf o ~ ~ O ~ ' • y ; ~r j i f ]^\ ~ 1' .. ' O O ~ r., ~~ & D[ O CT .~ (. ~ i ~ N D 37 ~ . ~ (3~ ~ ~- ~au.,_ + STATE FARM .MUTUAL AUTOMOBILE MSURANGE OOMPANY HEALTH OPERATIONS CENTER EAST :NEWARK OH 43o5s-3o7o .ACCOUNT ID CLAIM NUMBER 38 38-HOD170664 DATE Q$/1$/11 FfD TAXiD "'THIRTEEN AND 65/100 DOLLARS"' PAY TO THE ESTATE OF JOANNE W HOUSER rn ORDER OF PO BOX 428 0 CARLISLE PA 17013-0428 L O JPMORGAN CHASE BANK, NA COLUMBUS, OH N5X6M7 -56-1544/441 1 1 31 44586E *****13.65 Chairmar ry'~,...-~.- Treasure II' L3 L5 L4458611' ~:044115~,43~: 777 L4497311' JOANNE W NOUSER JENNIFER J NOUSER Deposit Accounts Account Number Average Daily Balance Current Balance SOVEREIGN PREMIER CHECKING 2891026446 $51,170.32 .$10,925.40 STATEMENT SAVINGS ACCOUNT 2894020789 $8,935.44 $10,389.03 Total Deposit $21,314.43 JOANNE W HOUSER JENNIFER J HOUSER Account # 2891026446 Balances Beginning Balance $61,429.83 Current Balance. $10,925.40 Deposits/Credits + $2,004.18 Average Daily Balance $51,170.32 Withdrawals/Debits - $52,508.61 Interest .Paid-.this Period ' $ 4.18 Ahnual'Percentage Yield Earned 0.10% Earned this Period $ 4.18 Paid Last Year $45.93 ..Paid Year-To-Date $ 19.51 *The interest earned and the interest paid may differ depending on when interest is credited to your account Ci`iecics rusted Check # Date Paid Amount Reference 4152` ,' 03125. $18.75 977177205 E4153 04105 $461.60 CMS MEDICA -4155` 03131 $500.00 970263235 5 Check(s) Posted = $3,177.35 An asterisk (*) indicates a skip in sequential check numbers. Account Activity Date Description An (E) indicates check was converted to an electronic item. Additions Subtractions Balance 03-25 03-25 Beginning Balance CHECK 4152 $18.75. $61,429.83 $61,411.08 03-31 CHECK 4155 $500.00 $60,911.08 04-01 COMCAST CCENTRAL CENTRAL PA 040111 43609901 $67.30 ~ ~ 43.78 _ 04-04 CHECK 4156 $900.00 $59,943.78 04-05 CMS MEDICARE PAYMENT 110404 4153 $461.60 $59,482.18 04-11 AUTO DRAFT FROM 02894020789 $2,000.00 $61,482.18 04-19 WTHDRWL $49,114.66 $12,367.52 04-19 CHECK 4158 $1,297.00 $11,070.52 04-20 CenturyLink Telecom 110420 7172433016858 $87.18 $10,983.34 04-20 PPL EU ELEC SVC 6700121004WS $62.12 $10,921.22 04-22 INTEREST CREDIT $4.18 $10,925.40 04-24 Ending Balance $10,925.40 Check # Date Paid Amount Reference 4156 04/04 $900.00 621731420 4158* 04/19 $1,297100 994461930 pub>t~ 2 ri~-1 1~Y41112G-Pali JOANNE W ROUSER JENNIFER J ROUSER Account # 2894079206 Your account is currently at a zero balance. If your account remains at a zero balance for two entire statement periods with no activity, your account may be closed. Please deposit funds into this account quickly to prevent it from closing. If this account is not meeting your needs, it would be our pleasure to discuss other options with you. Balances Beginning Balance $25,874.71 Current Balance $0.00 Deposits/Credits + $10.63 Average Daily Balance $25,874.71 ' Withdrawals/Debits - $25;885:34 " This balance was calculated for the period beginning on 03/07!11 and ending on 04/05/11 interest Paid this Period ` $ 10.63 Annual Percentage Yield Earned - 0.24% Earned this Period $ 4.25 Paid Last Year $3.24 Paid Year-To-Date $ 34.85 *The interest earned and the interest paid may differ depending on when interest is credited to your account. Account Activity Date Description Additions Subtractions Balance IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS CALL YOUR Ct 1S'I'OMER SERVICE CEN"rI:R A"1 '1'I-lf NUMBER SI IC)WN ON THE "I'OP OF YOUR S"fA"fEMF.N'f C)R WRI"1'F. "1'O TI IE BANK POR DP.131"f CARD ISSUES: POR ALI_ C)l'I IL•R ISSUES: ~~~p,r,, ~,k~ Sovereign Bank Sovereign Bank Atut: Card Disputes "Team Attn: Client Relations MA I MB3 02 OS 10-421-CRI ~^ ~~~ P.O. Box 831002 P.(7. BOX 12646 l_ 13oslvn MA 02283-1002 RGADINQ PA 19612-2646 Please contact us if you think your statement or receipt is wrong or if you need additional infunnalion about a transfer on the slalunent or receipt. ~ 'l~~ I Vde must hear from you nv ialer than 60 days alter we sent you the I'I~2S'f slalement on which the error appeared. • Tell us vour name and account number. • Describe the crt'or or the Iransler That you arc unsure about and explain as clearly as you • "I-ell us the dollar amount of the suspected error. can why you believe there is an error itr why you need 1ltrther information. ~ j- Ifyou tell us oralh-. we Wray require you to send your complaint or qucslion in writing within I (1 business days. We will promptly investigate the matter and call or write Iv you with an answer within IO business davs (10 calendar days in Massachusetts). II'we ~~ need mere lime. we ntav take up l0 45 days to investigate your complaint or question. If we do. we will credit your account ~+ilhin This 10-dal period for the amount you Ihin1. is iu error. so you will have the use v1'the nxmev dwine !hc time it takes us to complete our investigation. If we ask you to ~j ~~ put your complain) or question in writing and we do not receive it within 10 business days, we may choose not to credit your account. Pot errors involving new accounts. point of salt purchases or foreign transactions. we may take up to 90 days to investigate vour complaint or qucslion. For new accounts, we may take up to 20 business days to credit your accowtl iiir the amount 1'ou think is in error. We will /ell you the results of our investigation within 3 business days a11er completing our investigation. If v,c decide there was no error. we will send you a written explanation. You may ask tin copies of the documents we used to our investigatton. Important information abnul your Sovereign Debit Card The networks through which some of vour Sovereign Dchil Card purchases arc processed have begun allowing merchants to process your purohases withvul cilher a signature or a PIN. II`you are not required to enter your YIN when you make a purchase. vour ppurchase nrrv he processed erther through the Visa network or through the S7"AK or Nl'CE networks. If vourPurchase is processed througli S fAR or NYCI-:. different terms apply and you will not be eligible Ibr the rights and proleclions available through \ isa. Please sec tour Personal Ueposil Account Agreement For more information. pn,~r~ 2 0% ~ 2~49.107921)< 03-25 Beginning Balance $25,874.71 04=05 INTEREST CREDIT $10:63- $25;885.34 Estate Valuation Date of Dea*_h: 09/02/2011 Estate of: Estate of Joanne Houser Valuatior. Date: 04/62/2011 Account: HD Vest Financial IRP. Processing Date: 05/31/2011 Report Type: Date of Death Number of Securities: 5 File ZD: Houser, Joanne Estate HD Vest IRA Shares Security Mean and/or Div and lnt Security or Par Description Hi gh/Ask Low/Bid Adjustments Accruals Value l) 306 BANE; OF AMERICA CORPORATION (060505104) COM New York Stock Exchange 09/01/201? 13.61000 13.35000 H/L 69/09/2011 13.59000 13.40000 H/L 13.487500 9,096.25 2) 98 MEDCO HEALTH SOLUTIONS INC (589050102) CON, New York Stocb: Exchange 04/61/2011 56.88006 56.22000 H/L 04/04/2011 57.23000 56.92000 H/L 56.687500 2,721.OC 3) 200 MERCK & CO INC NEW (58933Y105) COM New York Stock Exchange 09/01/2011 33.25000 33.OD000 H/L 09/09/2011 33.37000 33.21000 H/L 33.207500 6,641.50 Div: 0.38 Ex: 03/11/2011 Rec: 03/15/201 1 Pay: 04/07/2011 76.00 4) 100 PEPCO HOLDINGS INC (737679100) COM New York Stock Exchange 04/01/2011 18.81000 1B. 67000 H/L 04/09/2011 18.87000 18.72000 H/L 18.767500 1,876.75 51 1432.353 AIM GROWTH SER (921129102) INV VK US MRTG A Mutual Fund (as quoted by NASDAQ) 04/01/2011 13.00000 Mkt 13.000000 18,620.59 Total Value: ~,3, °~ o(„ U9 Total Accrual: ~~~~ Total: ; .3 qg 3. 0~ Page 1 This report was produced with EstateVal, a product of Estate Valuations & Pricing Sys*_ems, Inc. you have questions, please contact EVP Systems at (616) 313-6300 or www.evpsys.com• (Revision 7.110) ACNB Historical Prices ~ ACNB Corporation Stock -Yahoo! Finance Page 1 of 1 New User? Register Sign In Help Make Y! Your Homepage Yahoo! Mail ~AHdO~~ ~ ~ ~ p ~ C ~ Soarch Web Search Dow 10.77°/, Nasdaq * 0.62 NEWT HOME INVESTING NEWS PERSONAL FINANCE MY PORTFOLIOS EXCLUSIVES ~~~ GET QUOTES Finance SearG1 Tue. May 31, 2011: 10.21AM EDT- US Markets close in 5 hrs and 38 mins ACNE Corp. (ACNB) At 9:30AM EDT: X5.7$ 10.50 (3.28 % ) ......._..__.__._... _ .............._.. """""°'~ ~ ,I ACNB IS UP ~3.~5~~~s.. ACNB Historical Prices Get Historical Prlces for; GO Set Date Range Start Date: Apr >? 2011 Eg. Jan 1, 2010 End Date: Apr 4 2011 -Get Prices - (oj Daily :~ (~ Weekly (~ Monthly (`)Dividends Only ;How to Relieve Joints? Shocking Discovery by Boston Researchers for Amazing Joint Relief... First ~ Previous ~ Next ~ Last Click here Prlces Date Open High Low Close Volume Adj Close' ~p , ~f7 Apr 4, 2011 16.50 16.50 16.50 16.50 0 16.29 Apr 1, 2011 16.45 16.50 15.99 16.50 6,800 16.29 7b ~y~ __ ' Close price adjusted for dividends and splits. 1 Trick to Relieve Joints ~ ~ ,,~.~ aS X 3 3 0 ~, ~ ~ ~ First i Previous ~ Next ~ Last See how you can relieve S {~ ~ ~ ~ S 'your joints with this fast and Download to Spreadsheet easy trick... Click Here Currency in USD. !_...-_...-..__-_-.....___....~_-.---._... Shocking Jofnt Discovery Shocking Discovery by Boston Researchers for Amazing Joint Reliet... Learn More Ads for Everyday Lifestyles Capydghl G 2011 Yahoo! Inc. All rights reserved. Privacy Policy -About DurAds -Terms or Service - CopyrighVlP Policy -Send Feedback - Yahp01 News Network Quotas delayed, except where indicated otherwise. Delay times are 15 mins for NASDAq, NYSE and Amax. Sea also delay times for other exchanges. 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