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Home My WebLink About11-28-1115D561D140 REV-1500 ~` ~°'-'°' OFFICIAL USE ONLY PA Department of Revenue Bureau of Individual Taxes INHERITANCE TAX RETURN County Code Year File Number Po Box 2sosol 2 1 1 0 D 0 4 5 6 Harrisburg, PA 1712&0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 1 8 7 0 7 6 8 9 5 0 4 2 8 2 D 1 0 1 2 1 1 1 9 1 7 Decedent's Last Name Suffix Decedent's First Name MI S T R A W L E W I S q (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI S T R A W A N N A M Spouse's Social Security Number 2 0 2 2 0 1 2 3 2 THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW 1. Original Return ~ 2. Supplemental Return ~ 3. Remainder Return (date of death prior to 12-13-82) 4. Limited Estate ~ 4a. Future Interest Compromise (date of ~ 5. Federal Estate Tax Return Required death after 12-12-82) ^X 6. Decedent Died Testate ~ 7. Decedent Maintained a Living Trust ~ 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust) 9. Litigation Proceeds Received ~ 10. Spousal Poverty Credit (date of death ~ 11. Election to tax under Sec. 9113(A) between 12-31-91 and 1-1-95) (Attach Sch. O) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED T0: Name Daytime Telephone Number S T E V E N W F A H N E S T O C K C P A 7 1 7 7 3 7 5 4 6 6 First line of address 1 5 1 3 C E D A R Second line of address City or Post Office C A M P H I L L State ZIP Code "t:, _- r ~ 1 ,~ ~. -~ P A 1 7 0 1 1 Correspondent's a-mail address: Steve@fahll@StOCkCp8.C0111 e.,r~ ~-~ ~-> Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete. Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge. SI~E OF PERSON R~ NOR FILING RETURN DATE 2132 MARKET ST SIG~U~tE OF ER THAN REPRESENTATIVE DATE ~eDDF~ESS 151 CEDAR CLIFF DR CAMP HILL PA 17011 PLEASE USE ORIGINAL FORM ONLY Side 1 1505610140 1505610140 ~ ~' MP HILL REGISTER Or~NILLS USE ONL~ ~= n --- . r '~~ v .'_ ~ r" c~ ~- -~ _~ , ~ PA 17011 C L I F F D R 1505610240 REV-1500 EX Decedent's Social Security Number Decedent's Name: L E W I S A- STRAW 1 8 7 0 7 6 8 9 5 RECAPITULATION 1. Real Estate (Schedule A) ........................................... 1. 2 2 9 7 0 0, 0 0 2. Stocks and Bonds (Schedule B) .................................... .. 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ... .. 3. 7 1 ~ 5 8 . 4 9 4. Mortgages and Notes Receivable (Schedule D) ........................ .. 4. • 5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E)..... .. 5. 6 8 3 4 6. 9 7 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested ..... .. 6. 8 2 4 4 1 6 , 6 5 7. Inter-Vivos Transfers & Miscellaneous N -Probate Property (Schedule G) ~ Separate Billing Requested ..... .. 7. 8. Total Gross Assets (total Lines 1 through 7) ......................... .. 8. 1 1 9 4 2 2 2, 1 1 9. Funeral Expenses and Administrative Costs (Schedule H) .................. 9. 10. Debts of Decedent, Mortgage Liabilities, and Liens (Schedule I) ............. 10. 11. Total Deductions (total Lines 9 and 10) ............................... 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. 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 .o _ 8 2 4 4 1 6 6 5 15. 16. Amount of Line 14 taxable at lineal rate X .045 2 9 5 1 4 1. 7 2 1s. 17. Amount of Line 14 taxable at sibling rate X .12 0 D 0 17. 18. Amount of Line 14 taxable at collateral rate X .15 D 0 D 1 g, 19. TAX DUE ......................................................19 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Side 2 1505610240 7 4 6 6 3. 7 4 7 4 6 6 3. 7 4 1 1 1 9 5 5 8. 3 7 1 1 1 9 5 5 8. 3 7 0. D 0 1 3 2 8 1. 3 8 0. D 0 0. D 0 1 3 2 8 1. 3 8 150561024D J REV-1500 EX Page 3 Decedent's Complete Address: File Number 21 10 00456 DECEDENTS NAME LEWIS A. STRAW STREET ADDRESS - - 14 DREXEL HILLS CIRCLE CITY NEW CUMBERLAND STATE PA ZIP 17070 Tax Payments and Credits: Tax Due (Page 2, Line 19) Credits/Payments A. Prior Payments 45,000.00 B. Discount 664.07 3. Interest 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Fill in oval on Page 2, Line 20 to request a refund. (1) 13.281.38 Total Credits (A + B) (2) 45,664.07 (3) (4) 32,382.69 5. If Line 1 +Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) Make check payable to: REGISTER OF WILLS, AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred : ...................................................................... ^ ^X b. retain the right to designate who shall use the property transferred or its income; ............................... ^ ^X c. retain a reversionary interest; or ................................................................................................ ^ 0 d. receive the promise for life of either payments, benefits or care? ....................................................... ^ 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? ....................................................................................... ^ X^ 3. Did decedent own an "intrust for" orpayable-upon-death bank account or security at his or her death? ......... ^ X^ 4. Did decedent own an individual retirement account, annuity or other non-probate property, which contains a beneficiary designation? .................................................................................................. ^ 0.00 IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994, and before Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent [72 P.S. §9116 (a) (1.1) (i)]. For dates of death on or after Jan.1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: • The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent, an adoptive parent or a stepparent of the child is 0 percent [72 P.S. §9116(a)(1.2)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent, except as noted in 72 P.S. §9116(1.2) [72 P.S. §9116(a)(1)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent [72 P.S. §9116(a)(1.3)]. Asibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. REV-1502 EX+ (01-10) pennsylvania SCHEDULE A DEPARTMENT OF REVENUE REAL ESTATE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: LEWIS A. STRAW 21 10 00456 All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts. Real property that is jointly-owned with right of survivorship must be disclosed on Schedule F. Attach a copy of the settlement sheet if the property has been sold. ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE NUMBER OF DEATH DESCRIPTION 1. 2308 RITNER HIGHWAY, CARLISLE PA 160,000.00 OWNED BY LEWIS A. STRAW APPRAISAL ATTACHED 2. 21 BALM ST, HARRISBURG PA 40,200.00 OWNED BY LEWIS A. STRAW APPRAISAL ATTACHED 3. 1216 BAILEY ST, HARRISBURG PA 29,500.00 OWNED BY LEWIS A. STRAW APPRAISAL ATTACHED TOTAL (Also enter on Line 1, Recapitulation.) ~ $ 229.700.00 If more space is needed, use additional sheets of paper of the same size. REV-1504 EX + (6-98) SCHEDULE C CLOSELY-HELD CORPORATION, COMMONWEALTH OF PENNSYLVANIA PARTNERSHIP OR INHERITANCE TAX RETURN RESIDENT DECEDENT SOLE-PROPRIETORSHIP ESTATE OF FILE NUMBER LEWIS A. STRAW 21 10 00456 Schedule C-1 or C-2 (including all supporting information) must be attached for each closely-held corporation/partnership interest of the decedent, other than a sole-proprietorship. See instructions for the supporting information to be submitted for sole-proprietorships. ITEM NUMBER VALUE AT DATE DESCRIPTION OF DEATH 1. 90% INTEREST IN ACME MOVERS, INC -ANON-OPERATING BUSINESS 71,758.49 SEE ATTACHED SCHEDULE OF ASSETS OWNED BY ACME MOVERS, INC. ACME MOVERS, INC CEASED OPERATIONS IN 2008 2. ACME MOVERS, INC OWED THE SHAREHOLDER $95,231 AT THE DATE OF DEATH 0.00 THIS LOAN IS UNCOLLECTIBLE TOTAL (Also enter on line 3, Recapitulation) ~ $ 71.758.49 (If more space is needed, insert additional sheets of the same size) REV-1505 EX + (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN SCHEDULE C-1 CLOSELY-HELD CORPORATE STOCK INFORMATION REPORT ESTATE OF FILE NUMBER LEWIS A. STRAW 21 10 00456 1 2 3 4 5 6 Name of Corporation ACME MOVERS INC ~ State of Incorporation PA Address 14 DREXEL HILLS CIRCLE Date oflncorporation 03/01/74 City NEW CUMBERLAND State PA Zip Code 17070 Total Number of Shareholders 2 Federal Employer I.D. Number 23-1925824 Business Reporting Year JAN 1-DEC 31 Type of Business NON OPERATING Product/Service NONE STOCK TYPE TOTAL NUMBER OF PAR VALUE NUMBER OF SHARES VALUE OF THE VotinglNon-Voting SHARES OUTSTANDING' OWNED BY THE DECEDENT DECEDENTS STOCK Common VOTING 1000 UNKNOWN 900 $ 71758.49 Preferred $ Provide all rights and restrictions pertaining to each class of stock. Was the decedent employed by the Corporation? ....................................... ^ Yes ® No If yes, Position Annual Salary $ Time Devoted to Business Was the Corporation indebted to the decedent? ....................................... ® Yes ^ No If yes, provide amount of indebtedness $ 95,231.00 7. Was there life insurance payable to the corporation upon the death of the decedent? ............... ^ Yes ® No If yes, Cash Surrender Value $ Net proceeds payable $ Owner of the policy 8. Did the decedent sell or transfer stock in this company within one year prior to death or within two years if the date of death was prior to 12-31-82? ^ Yes ®No If yes, ^ Transfer ^ Sale Number of Shares Transferee or Purchaser Consideration $ Date Attach a separate sheet for additional transfers and/or sales. 9. Was there a written shareholder's agreement in effect at the time of the decedent's death? ............ ^ Yes ® No If yes, provide a copy of the agreement. 10. Was the decedent's stock sold? ................................................. ^ Yes ® No If yes, provide a copy of the agreement of sale, etc. 11. Was the corporation dissolved or liquidated after the decedent's death? ....................... ^ Yes ® No If yes, provide a breakdown of distributions received by the estate, including dates and amounts received. 12. Did the corporation have an interest in other corporations or partnerships? ...................... ^ Yes ® No If yes, report the necessary information on a separate sheet, including aSchedule C-1 or C-2 for each interest. • • •- ~ • ~ ~ A. Detailed calculations used in the valuation of the decedent's stock. B. Complete copies of financial statements or Federal Corporate Income Tax returns (Form 1120) for the year of death and 4 preceding years. C. If the corporation owned real estate, submit a list showing the complete address/es and estimated fair market valuels. If real estate appraisals have been secured, attach copies. D. List of principal stockholders at the date of death, number of shares held and their relationship to the decedent. E. List of officers, their salaries, bonuses and any other benefits received from the corporation. F. Statement of dividends paid each year. List those declared and unpaid. G. Any other information relating to the valuation of the decedent's stock. (If more space is needed, insert additional sheets of the same size) REV-1508 EX + (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF LEWIS A. STRAW FILE NUMBER 21 10 00~,,,,, 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 1• SUSQUEHANNA BANCSHARES CHECKING ACCOUNT NUMBER 145019570 OF DEATH SEE ATTACHED INFORMATION 623.09 2. CAS H 19,875.00 3. 2009 FORD FLEX VIN 2FMEK62C99BA22872 VALUE IS AMOUNT ASSIGNED TO VEHICLE UPON TRANSFER TO CORPORATION 25,900.00 4. 2002 HONDA REFLEX MOTORCYCLE VIN JH2MF06472K010159 2,160.00 SEE ATTACHED NADA REPORT ON VALUE 5. 2006 SUZUKI MOTORCYCLE VIN JS1VS55A762108279 2,000.00 LISTED AT ACTUAL SALE PRICE 6. JEWELRY SEE ATTACHED APPRAISAL FROM PARLEY'S JEWELERS 15,050.00 7. TOOLS, CLOTHING, FURNITURE 1,600.00 8. IPA TREASURY -UNCLAIMED PROPERTY I 1,138.88 SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY TOTAL (Also enter on line 5 Recapitulation) I $ 68 346 (If more space is needed, insert addiitonal sheets of the same size) REV-1509 EX+ (01-10) pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: LEWIS A. STRAW 21 10 00456 SCHEDULE F JOINTLY-OWNED PROPERTY If an asset was made jointly owned within one year of the decedent's date of death, it must be reported on Schedule G. 14 DREXEL HILLS CIRCLE NEW CUMBERLAND PA 17070 TIONSHIP TO DECEDENT ADDRESS SURVIVING JOINT TENANT(S) NAME(S) A. ANNA MARIAN STRAW C JOINTLY-OWNED PROPERTY: SPOUSE ITEM NUMBER LETTER FOR JOINT TENANT DATE MADE JOINT DESCRIPTION OF PROPERTY INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR IDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY-HELD REAL ESTATE. DATE OF DEATH VALUE OF ASSET % OF DECEDENTS INTEREST DATE OF DEATH VALUE OF DECEDENTS INTEREST 1. A. 2006 INTEGRITY BANK ACCOUNT NUMBER 15,060.98 50. 7,530.49 203007033 2. A 2006 INTEGRITY BANK ACCOUNT NUMBER 3002701 100,000.00 50. 50,000.00 3. A 2006 INTEGRITY BANK ACCOUNT NUMBER 3002719 1,293,807.31 50. 646,903.66 4. A 1986 617 PEEPER ST HARRISBURG PA 39,700.00 50. 19,850.00 5. A 1974 14 DREXEL HILLS CIRCLE NEW CUMBERLAND PA 182,000.00 50. 91,000.00 6. A 2007 2007 LINCOLN VIN 1LNHM83V77Y615214 18,265.00 50. 9,132.50 VALUE IS AMOUNT ASSIGNED BY PENNDOT UPON TRANSFER TO CORPORATION TOTAL (Also enter on Line 6, Recapitulation) I $ 824, 416.65 If more space is needed, use additional sheets of paper of the same size. REV-1511 EX+ (10-09) pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS -_ ESTATE OF FILE NUMBER LEWIS A. STRAW 21 10 00456 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A, FUNERAL EXPENSES: 1. EGGER FUNERAL HOME, INC 2,494.78 B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s)ofPersonalRepresentative(s) BRYAN W SHOOK, ESQUIRE Street Address 2132 MARKET STREET City CAMP HILL State PA Zlp 17011 Year(s) Commission Paid: 2011 2 attorney Fees: Bryan W. Shook, Esquire 3, Family Exemption: (If decedents address is not the same as claimants, attach explanation.) Claimant ANNA M STRAW Street address 14 DREXEL HILLS CIRCLE City NEW CUMBERLAND State PA ZIP 17070 Relationship of Claimant to Decedent SPOUSE 4. Probate Fees: CUMBERLAND COUNTY REGISTER OF WILLS -PROBATE FEES 5 Accountant Fees: STEVEN W FAHNESTOCK, CPA 6. Tax Return PreparerFees: STEVEN W FAHNESTOCK, CPA 7. APPRAISAL FEES -PATRICK MCCARTHY 8. CUMBERLAND COUNTY BAR ASSN -ESTATE NOTICE 9. THE SENTINEL -ESTATE NOTICE 10. VARIOUS MEDICAL EXPENSES PAID AFTER DATE OF DEATH 26,333.39 37,634.44 763.50 4,700.00 500.00 1, 875.00 75.00 113.20 174.43 TOTAL (Also enter on Line 9, Recapitulation) I $ 74,663.74 If more space is needed, use additional sheets of paper of the same size. REV-1513 EX+ (01-10) pennsylvania SCHEDULE J DEPARTMENT OF REVENUE BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: LEWIS A. STRAW 21 10 00456 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS [Include outright spousal distributions and transfers under Sec. 91 f6 (a) (1.2).] 1. ANNA M STRAW Spousal 824,416.65 14 DREXEL HILLS CIRCLE NEW CUMBERLAND PA 17070 2. LEWIS DOPP AND SAVANNAH MARIE DOPP Lineal 295,141.72 2308 RITNER HIGHWAY CARLISLE PA 17013 II. 1 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET, AS APPROPRIATE. 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. REV-1500 Discount, Interest and Penalty Worksheet Discount Calculation Total Amount Paid within three calendar months of the decedent's date of death: 45,000.00 Discount: 664.07 Interest Table Year Days Delinquent this time period Balance Due this year Interest this period Before 1981 1982 1983 1984 1985 1986 1987 1988 throw h 1991 1992 1993 throw h 1994 1995 throw h 1998 1999 2000 2001 2002 2003 2004 2005 2006 __ _- - 2007 _ - 2008 _ 2009 2010 2011 __ Imo. -. - I~-- i TOTALS __ ___ -- - -- _ - Penalty Calculation If the decedent's date of death was on or before March 31, 1993, insert the applicable amount: Total Balance Due on January 17, 1996: Penalty: LAST WILL AND TESTAMENT OF LEWIS A. STRAW I, Lewis A. Straw, having my legal residence at 14 Drexel Hill Circle, New Cumberland, Cumberland County, Commonwealth of Pennsylvania, do hereby declare this to be my Last Will and Testament, revoking all other Wills and Codicil.a heretofore made by me. SECTION 1: MY BENEFICIARIES 1.01 I am married to A. Marian Straw. All references in this Will, or any trust docL~ment created therein., to "my spouse" or "my wife" are to her. 1.02 In addition to my spouse and any residual charities, my intended beneficiaries are my wife's grandson, Lewis Dopp, and his daughter, Savannah. Marie Dopp (DOB 7/2112007}. 1.03 I have specifically and deliberately excluded any of my children ar other descendants. SECTION 2: PAYMENT OF EXPENSES AND OTHER CHARGES 2.01 I direct my Executor to pay the expenses of my last illness, funeral and. burial (including the cost of a monument or marker over my grave) from my estate as soon as practicable after my death. 2.02 I further direct that all of my legally enforceable debts and any costs associated with the administration of my estate be paid from my estate when my Dethle. fs - Pykosh Law Group, I,LC` 2132 ?1~1 arket Street Camp Hill., PA 11011 (i 1 t} 9 7 ~-9446 Executor, in his sole discretion, determines appropriate. 2.D3 The timing and amount deemed appropriate by my Executor shall not be predicated upon the necessity of obtaining the approval of any court having jurisdiction over the administration of my estate and without regard to any statutory limitation. SECTION 3: PAYMENT OF TAXES 3.01 All federal, state and other death taxes, including any generation skipping tax, payable on the property forming my gross estate for those purposes; shall be paid out of the principal of my probate estate just as if they were my debts; and none of those taxes shall be charged against any beneficiary. 3.02 This article shall apply to any asset, whether or not it passes under this Will, or whether it passes by reason of joint ownership thereof, such as certificates of deposit, savings bonds, etc. SECTION 4: TANGIBLE PERSONAL PROPERTY 4.01 I give all personal property owned by me at my death, and all insurance policies on such property, to those individuals, who survive me by thirty (30) days, who are designated on a list or memorandum signed by me which refer to this Will, or is found with a copy thereof, the items listed beside their names. If no such list is found within thirty (30) days of my death, it shall be presumed that no such list exists. These instructions are to guide my Executor, and it is my hope and expectation that such instructions are carried out, without intending to impose any trust or legal obligation. 4.02 The balance (including any item under subparagraph (1) above, the bequest of which has lapsed) to Lewis Dopp. 4.03 Any disputes concerning the allocation of my tangible personal property shall be resolved by my Executor in my Executor's sole discretion. This shall include conferring on my Executor the power to sell any property and adding the proceeds to my estate. Page 2 cat ~: SECTION ~: SPECIAL PROVISION ADDRESSING THE POSSIBILITY OF NO FEDERAL ESTATE TAX IN EFFECT AT THE TIME OF MY DEATH 5.01 Notwithstanding anything to the contrary hereunder, if on the date of my death, there is no federal estate tax law in effect, thereby precluding the use of using a unified credit or applicable exemption in any funding formula contained in this instrument, I hereby direct my Executor to either use the previous unified credit amount that was in effect or the unified credit amount that. is scheduled to go into effect the year after my death. 5.02 My Executor may decide, in his sole discretion, to delay the funding of these testamentary trusts, even if it results in additional fees, expenses or fines, if he has a reasonable belief that Congress will pass legislation retroactively establishing a federal tax and unified credit to cover a period addressed by this section. 5.03 Any allocation of basis by my Executor shall be final and not subject to review by any beneficiary or court. 5.04 My executor shall not be held liable for any good faith decisions made during a period covered by this section. SECTION 6: DEVISE AND BEQUEST OF CREDIT SHELTER AMOUNT TO FAMILY TRUST FOR THE BENEFIT OF A. MARIAN STRAW, LEWIS DOPP AND SAVANNAH MARIE DOPP 6.01 I give to my Trustee, heretofore named; to hold the same IN TRUST. the largest amount that can pass free of federal estate tax by reason of the unified. credit, the state death tax credit and any other estate tax credits allowed by the Internal Revenue Code; provided, however, that (1) the state death tax credit shall be taken into account only to the extent that it does not result in an increase in state death taxes which would otherwise be payable; (2) the sum disposed of by this Section shall be reduced by the value of property which passes outside the terms of this Will or which passes under other Sections of this Will and which does not Page 3 of 'L~ qualify for the estate tax charitable or marital deductions; and (3) the sum disposed of by this Section shall be reduced by charges against the principal of my estate which do not qualify as federal estate tax deductions. 6.02 In making the computations necessary to determine the amount of this pecuniary bequest, valuations and credit amounts as finally determined for federal estate tax purposes shall control. 6.03 NIy Executor shall have the sole and absolute discretion to treat. expenses as either estate tax or income tax deductions, to select tax valuation methods and dates, and to exercise any other allowable tax election, regardless of the effect thereof on the amount of this bequest, and no adjustment to this bequest shall be required by reason of any such determination made by my Executor. My Executor shall also have the sole and absolute discretion to select the assets to be used in funding this trust estate. 6.04 I direct my Trustee to establish this trust as the "STRAW FAMILY TRUST." All references hereinafter to the Family Trust are to be considered as referencing this trust established in this Section of my Will. SECTION 7: ADMINISTRATION OF THE STRAW FAMILY TRUST I direct my Trustee to hold, administer and distribute said trust, to be known. as the "STRAW FAMILY TRUST" as follows: 7.01 Testator Intent In making any determination as to the amount, if any, that should be paid to, or on behalf of, any beneficiary of this Trust, the Trustee shall bear in mind that my primacy objective is to assure that during the lifetime of my beloved wife, all of her needs for maintenance, support, health, and education are liberally addressed. In meeting this primary objective, my Trustee can take into consideration any other available resources available to my wife, including those that constitute the Marital Trust established in Sections 9 and 10 of this ~'4Till. The secondary objective is to conservatively provide for the lifetime maintenance, support, health, and educational needs of Lewis Dopp. The final objective is to Page 4 of `La provide for the educational needs of Savannah Marie Dopp, as outlined furthez• in this Section. 7.02 Spendthrift Provisions (a) My Trustee may make discretionary payments of income or principal to any person after taking into consideration, or without taking into consideration, as my Trustee deems appropriate, any other income or financial resources reasonably available to said beneficiary. All aspects of decisions with respect to discretionary payments of income and principal shall be made by m~T Trustee in his sole and absolute discretion, such that no creditors of any beneficiaz~>, including any governmental agencies which may furnish services, payments or benefits to a beneficiary, shall have any claim to any of the income or principal of my estate or any trust. (b) My Trustee shall have the further power to make payments <;f any income or principal for a beneficiary (i) directly to the beneficiary; (ii) to the individual who is, in the judgment of my Trustee, in proper charge of such person., regardless of whether there is a court order to that effect; (iii) in the case of a minor, to a custodian for the minor named by my Trustee, to be held as a gift undez• thc~ Pennsylvania Uniform Transfers to Minors Act, with the custodial arrangement. continuing until the beneficiary reaches twenty-one (21) years of age; or (iv) by paying or applying any part or all thereof for a beneficiary's benefit or on a beneficiary's behalf; and in every such event payment may be made without any necessity= of obtaining a receipt or the approval of any court, and such payments made in good faith shall be deemed proper and shall be a complete release and acquittance of my Trustee therefor. (c) A deposit. of funds to the benefciary's account in a bank or other financial institution is the equivalent of direct payment to the beneficiary. No payment may be assigned, anticipated, or encumbered by the beneficiary; nor may any payment be attached, garnished, or executed upon by any creditor of the beneficiary. (d) No distributions of principal and/or income are mandatory. fly Pale 5 <;f -'} Trustee, in his sole discretion, may accumulate income and only make distributions or payments as he deems appropriate. 7.03 Instructions Concerning A. Marian Straw (a) If my beloved wife survives me, my Trustee shall apply on my wife's behalf so much and only so much of the principal and income of the trust as is necessary, in my Trustee's judgment, to provide her with those benefits and services, and only those benefits and services, that are not or may not otherwise be available to her from other sources as or when needed for her care, welfare, and maintenance. Without expanding or limiting the discretion of my Trustee to take whatever actions my said Trustee may consider necessary for my wife's welfare, in accordance with the trust purposes, I state my desu~e that the trust. be used in ways that will best enable her to lead as normal, comfortable, dignified, and fulfilling a life as possible; to be cared for at home for as long as feasible, and in any event in the most home-like, dignified, and humane environment possible and consistent with any need for care and treatment; to have as many opportunities as possible far normal social interaction with members of her family and other persons in the community in a manner consistent with her age and interest; and t.o have every reasonable opportunity to be responsible for her own welfare, independent of this trust, to the extent of her capacity. (b) After first considering the availability of other resources, including those in the Marital Trust established in Section 9 and 10 of this Vt~ill, my Trustee may, in his sole discretion, use assets of this Family Trust to pay for the following expenses: the last illness, funeral, and cremation of my spouse; the expenses of administering my spouse's estate; any inheritance, estate, or other death taxes payable by reason of my spouse's death, together with interest and penalties thereon. (c) My Trustee's discretion to make or not to make payments on behalf of my wife shall be absolute and nonreviewable. 7.04 Instructions R,e~ardin~ Lewis Dopy (a) During the lifetime of Lewis Dopp, my Trustee shall pay such Page 6 0#' 25 amounts of the net income and principal of the FAMILY TRUST, and in such proportions among them as the Trustee may deem advisable, to provide for Lewis's maintenance, support, health, and education. (b) V4'ith regard to my Trustee's discretionary authority over the distribution income or principal to Lewis Dopp, it is my desire that my Trustee be conservative in exercising such discretion. (c) In making discretionary distributions to Lewis Dopp, my Trustee shall be mindful of, and take into consideration any additional sources of income and principal available to Lewis Dopp which arise outside of this agreement and are known to my Trustee. (d) It is my express desire that my Trustee take into consideration the future probable needs of Lewis Dopp prior to making any discretionary distributions hereunder. (e) Without limiting my Trustee's ability to sell 2308 Ritner Highway, Carlisle, Pennsylvania, 17013, I hereby direct my Trustee to allow that property, or one in-kind, to be used by Lewis Dopp as his primary residence during his lifetime. 7.05 Instructions Regarding Savannah Marie Dopp (a) In connection with the administration of this trust, I wish to emphasize that I place a high premium on education. To that end, I request that my Trustee make distributions to Savannah Marie Dopp for education (college, trade school, post-graduate school} sv long as she is making good educational progress as a student that likely will lead to her becoming self-sufficient. and a productive member of society. (b) When Savannah Marie Dopp begins high school, my Trustee shall notify her, or her guardian, and explain that she may be entitled to distributions from this Trust to continue her education through college and post- graduate studies. This notification shall serve as an incentive to Savannah Marie Dopp to perform well while attending high school. When my Trustee shall receive satisfactory notice that Savannah Marie Dopp has become regularly enrolled as a Pa~~ < <;~ ~;, student in a college or other institution of collegiate grade, my Trustee shall pay to her, or apply for her benefit, all of the direct costs of tuition, books, fees, and expenses attributable to such education. If after having enrolled, Savannah Marie Dopp discontinues her studies prior to graduation, and my Trustee receives notice of such discontinuance, my Trustee may cease payments made to Savannah Marie Dopp, or on her behalf. (c) The period in which Savannah Marie Dopp is to conclude her educational studies is not an open-ended period of time. I hereby direct my Trustee to cease making payments from this trust for her educational needs after she attains the age of thirty-two(32), unless special circumstances exist to warrant my Trustee extending this period. (d) In the event my Trustee decides, in my Trustee's sole discretion, to use income or principal hereunder for the education of Savannah Marie Dopp, my Trustee shall pay tuition expenses directly to the educational institution so as to take advantage of the exemption from the generation-skipping transfer tax under Internal Revenue Code ("IRC") Section 2611 (b)(1), or its equivalent provision. (e) My Trustee shall not be held accountable in any way far decisions made or actions taken, as it is my express desire to afford my Trustee full discretion to liberally encourage and assist Savannah Marie Dopp to at least obtain a college education. 7.06 Termination of Family Trust (a) I hereby direct my Trustee to terminate this Family Trust upon the later occurrence of the following events: (1) if Savannah Marie Dopp predeceases A. Marian Straw and Lewis Dopp, then upon the later death of A. Marian Straw or Lewis Dopp; or (2) the death of A. Marian Straw or Lewis Dopp after Savannah Marie Dopp has concluded her educational studies as outlined in Section 7.05 of this Will; or (3) i.f A. Marian Straw and Lewis Dopp are deceased before the termination of the time period allowed for Savannah Marie Dopp to complete Page 8 of ~~> her eductational pursuits, then this Trust shall terminate at the earlier occurrence of the termination of said time period or the death of Savannah Marie Dopp. (b) Upon the termination of this Family Trust, my Trustee shall distribute any existing principal and income of the Trust according to the Provisions for Ultimate Distribution contained in Section 14 of this Will. SECTION 8: RESIDUARY ESTATE My residuary estate shall consist of (a) all property or interests therein not otherwise effectively disposed of in this Will, of whatever kind, nature or description, and wherever located, including any property to which I shall be in any way entitled at the time of my death, any and all property over which I may have a power of appointment and any insurance proceeds which may be payable to my estate, less (b) all valid claims asserted against my estate and all expenses incurred in administering my estate, including expenses of administering nonprobate assets. SECTION 9: DISPOSITION OF RESIDUARY ESTATE TO MARITAL TRUST FOR THE BENEFIT OF A. MARIAN STRAW 9.01 If my wife survives me, I give my residuary estate unto my Trustee, heretofore named, to hold the same IN TRUST, to be known as the "MARITAL TRUST F/B!O A. MARIAN STRAW." All references hereinafter to the Marital Trust are to be considered as referencing this trust established in this Section of my Will. 9.02 My Executor shall have the sole and absolute discretion to treat expenses as either estate tax or income tax deductions, to select tax valuation methods and dates, and to exercise any other allowable tax election, regardless of the effect thereof on the amount of this bequest, and no adjustment to this bequest shall be required by reason of any such determination made by my Executor. '~Iy Executor shall also have the sole and absolute discretion to select the assets to be used in funding this trust estate; provided however, that this bequest shall be funded only with assets which my Executor can elect to qualify for the marital Page 9 of`_';i deduction. 9.03 I authorize my Executor, in his sole discretion, to elect, under Internal Revenue Code ("IRC") Section 2056(b)(7) or equivalent provision, to qualify alI or a specific portion or none of the trust created in this Section for the federal estate tax marital deduction. It is my wish or desire that my Executor shall exercise his discretion so as to elect to minimize the estate taxes payable by my estate, where appropriate. However, my Executor shall also consider the size and taxable status of my wife's estate in exercising its discretion. NIy Executor shall make its election in the timely filed federal estate tax return for my estate and such election shall not be subject to challenge by any affected parties. SECTION 10: ADMINISTRATION OF THE MARITAL TRUST Y0.01 My Trustee shall collect the income, rents and profits arising from the principal of this trust estate and after paying all charges, costs and expenses incident to the maintenance, operation and management thereof, shall distribute the income and principal as follows: (a) My Trustee shall pay to my wife, the entire net income from this trust estate, commencing from the date of my death, no less frequently than annually, in as convenient installments as may be practicable, for and during the term of her natural life; provided, however, in no event shall such payments be made less frequently than annually. In connection therewith, my wife shall have the right and power to direct that the assets of this trust be reinvested so as to produce such income as is reasonable and consistent with the value of the trust corpus. A reasonable sum or sums may be paid to my wife during the administration of my estate as an advance against the income which will accrue to this trust estate. (b} In addition to the income hereinabove provided, my Trustee shall pay to my wife such sum or sums from the principal of this trust estate as my Trustee may deem to be reasonably required from time to time for her continued health, education; maintenance, and for her support in the standard of living to Page 10 cif ~:~ which she has become accustomed. (c) If this Trust holds unproductive assets, which I hereby permit, my wife has the power to require my Trustee to either make the property productive or convert it to productive property within a reasonable time. 10.02 Upon the death of my wife, this Trust shall terminate. (a) All undistributed income therefrom, including income accrued prior to the time of my wife's death but uncollected, shall be paid over and distributed to my wife's estate; unless there is a contrary provision in the Will of m~° wife, an amount equal to the excess, if any, of all estate, inheritance and similar taxes, including interest and penalties thereon, becoming payable by reason of my wife's death over the amount which would have been payable had the value of the assets of this Trust not been included in my wife's gross estate, or otherwise taxed by reason of her death, shall be paid over to the appropriate taxing authorities for the account of the Executor of my wife's estate or, in the discretion of the Trustee, distributed to my wife's estate for such purpose. (b) If my wife disclaims, in whole or in part, her interest. in any part of the marital deduction bequest or her interest in any other property which may pass to her under this Will or by operation of law or by reason of her survivorship, then the Executor shall add any such property so disclaimed to the F9~'VIILY TRUST created under Sections 6 and 7 of this Will to be disposed of in accordance with the provisions thereof as if same were part of that Trust from the date of my death. (c) If my wife does not survive me, then my Executor shall give my residuary estate to the Trustee, to be added to the FAMILY TRUST created under Sections 6 and 7 of this Will, to be disposed of in accordance with the provisions thereof as if same were part of that Trust from the date of my death. SECTION 11: SPECIAL PROVISIONS FOR REAL ESTATE INTERESTS 11.01 Any real estate interest that I possess at the time of my death shall be included as assets in my estate and subject to allocation to either the Family Trust. Page 11 of L•~ or the Marital Trust, as my Executor, in his sole discretion; deems appropriate. 11.02 NIy Executor and Trustee have absolute discretion to hold, allocate, pledge, encumber or sell any interest that I have in any real estate property. 11.03 At the time of this writing I have interests in the following properties: (a) 1216 Bailey Street; Harrisburg, Pennsylvania; (b) 21 Balm Street, Harrisburg, Pennsylvania; (c) 617 Peffer Street, Harrisburg, Pennsylvania; -~ °'~-'~ (d) 14 Drexel Hill Circle, New Cumberland, Pennsylvania; and (e) 2308 Ritner Highway, Carlisle, Pennsylvania. 11.04 This authox•ity of my Executor and Trustee shall extend to any interest in property that is obtained, whether through purchase or otherwise, up until my death. SECTION 12: SPECIAL PROVISIONS FOR BUSINESS INTERESTS 12.01 Any business ownership interest that I possess at the time of my death shall be included as an asset in my estate and subject to allocation to either the Family Trust or the Marital Trust, as my Executor, in his sole discretion, deems appropriate. 12.02 My business interests include, but may not be limited to, interests in the following businesses: (a) ACME Movers, Inc., (b) ACME Northside Hangars, and (c) M & S Coal. 12.03 I give my Fiduciaries the power, exercisable in the discretion of my Fiduciaries and without court order, to retain any business interest, including shares of stock or other interest in or indebtedness of any of the businesses enumerated in Section 12.02 of this Will, or any other corporation or any successor entity corporations, as shareholder, security holder, creditor, partner, member or otherwise, for any period of time whatsoever, even though it may constitute all or a large portion of my estate. Page 12 of z i 12.04 I further give my Fiduciaries the power to continue or carry on any said business; to take any action with respect to its management as freely as I could have done during my lifetime, and, if the business is so continued, my Fiduciaries shall incur no liability for any loss to my estate or trust arising therefrom. 12.05 My Fiduciaries shall have the authority to comply with the provisions of any agreement restricting transfer of the interest including the voting of stock (by separate trust or otherwise regardless of whether that separate trust will extend for a term within or beyond the date of final distribution of my estate) and the determination of all questions of policy; to execute and amend business agreements; to participate in any incorporation, reorganization, merger, consolidation, sale of assets, recapitalization, liquidation, or dissolution of the business, or any change in its nature, or in any buy-sell, stock restriction, or stock redemption agreements; to deal with and act for the business in any capacity, including any banking or trust capacity and the loaning of money to the business out of estate or trust. funds; to rely upon reports of certified public accountants as to the operations and financial condition of the business, without independent investigation; to elect andlor beneficially employ and compensate, as directors, officers, employees, counsels or agents of such business any person, including any one or more of my individual Fiduciaries (notwithstanding that they are Fiduciaries under my Will) or any agent. of a Fiduciary. 12.06 The provisions of this Section pertain to a corporation which may be treated as an S Corporation for federal income tax purposes. 12.07 It is my desire that any corporation which would otherwise qualify as an S Corporation not be prevented from doing so because some or all of its stock passes to or is held by a trust created under the provisions of this Will. Therefore, if my Fiduciaries deem it appropriate, I authorize my Fiduciaries to separate the assets of said corporation from the other assets comprising my estate, according to one of the following: (a} To allocate the shares of stock of the corporation to the Marital Trust; but divide the Marital Trust into two trusts for the benefit of A. Marian Straw. Page 13 u` ?~ One trust would exclusively hold shares of stock of the corporation under terms a.s nearly identical to the original Marital Trust while still permitting it to be a Qualified Subchapter S Trust. The second trust would hold the remaining assets under terms identical to the Marital Trust established in Sections 9 and 10 of this Will. (b) To allocate the shares of stock of the corporation to the Family Trust.. but divide the Family Trust into two trusts for the benefit of A. Marian Straw, Lewis Dopp and Savannah Marie Dopp. One trust would exclusively hold shares of stock of the corporation under terms as nearly identical to the original Family Trust while still permitting it to be a Qualified Subchapter S Trust. The second trust would hold the remaining assets under terms identical to the Family Trust established in Sections 6 and 7 of this Will. SECTION 13: INSURANCE OR RETIREMENT PLAN If I designate the Trustee under my Will (without specific designation to the MARITAL TRUST or FAMILY TRUST) to be the beneficiary of any life insurance policy or any retirement, pension or profit sharing plan, the Trustee shall determine, after consultation with my Executor, the manner in which to allocate the proceeds or payments thereunder between the MARITAL TRUST and the FAMILY TRUST, even if the proceeds or payments thereof represent the only assets in said Trust and require thereby for said Trust to be established. SECTION 14: PROVISIONS FOR ULTIMATE DISTRIBUTIONS If at any time there is no person, corporation, or other entity entitled to receive all or any part of my estate or any trust property, then that property, and any property directed to be distributed under this Section, shall be distributed as charitable bequests to causes designated by my Trustee. I ask that my Trustee select charities or causes which he knows I support. This ultimate distribution shall be accomplished by one of the following methods, which will be selected by my Trustee based on the circumstances then existing: Page ] 4 af' Lri (a) outright cash bequests; (b) establishment of a Donor Advised Fund in my name; or (c) establishment of a Private Foundation in my name. SECTION 15: APPOINTMENT OF FIDUCIARIES 15.01 For purposes hereof, the term "Fiduciary" and/or "Fiduciaries," however expressed, shall refer to my Executor{s} and/or my Trustee{s) who may be serving at any time. ~~'here powers or discretions are conferred upon the fiduciaries, such powers or discretions shall be exercised. by the Executor(s) as such, or the Trustee(s) as such, as the case may be, in those respective capacities. 15.02 Appointment of Executor I designate and appoint BRYAN SHOOK to serve as my Executor. 15.03 Appointment of Trustee I also designate and appoint BRYAN SHOOK to serve as the Trusted of any trust created or at any time existing hereunder. 15.04 _Waiver of Potential Conflict of Interest In making my designation of BRYAN SHOOK as both the Executor and Trustee, I recognize that he may be placed in a position of potential conflict with other fiducial responsibilities and representations arising out of those positions and/or interest in assets in which I may possess. I have delibexately selected BRYAN SHOOK with the said potential for apparent conflict in mind; and with full faith and confidence in him because of his familiarity with my financial affairs and my family, and because of the confidence in him I have developed during the many years in which he has represented me. I hereby direct that BRYAN SHOOK, while acting as Executor and Trustee in good faith and exercising due care, shall be exonerated fiom any personal liability arising out of any decision which he may make or act which he may take in furtherance of the positions to which I have appointed him. Lewis A. Straw eni~~i~nei.~i~~~~in~~+~ Pagc 15 raf ~ SECTION 16: POWERS OF EXECUTOR 16.01 My Executor shall serve without bond. 16.02 My Executor shall have all powers and discretions conferred by Pennsylvania law, and all powers and discretions with respect to my estate that are set forth or referred to hereunder or in other Sections of this Will, to be exercised without court order. 16.03 My Executor is authorized to execute on my behalf or on behalf of mt~ estate any tax return which may be filed. 16,04 M,y Executor shall have, in addition to any other power, the specific powers to invest, reinvest, sell; mortgage or otherwise dispose of any part or all of my estate, without the necessity of obtaining prior or subsequent court approval. 16.05 Distributions may be made in cash or in kind in the discretion of m5- Executor. 16.06 No Executor shall be personally liable to any beneficiary or other parts- interested in my estate or to any third parties, for any claim against my estate far the diminution in value of estate property resulting from matters involving hazardous substances, including any reporting of or response to (i} the contamination of estate property by hazardous substances, or ~~ violations of anr~ (~ ~) environmental laws related to my estate; provided that my Executor shall not be excused from liability for his own negligence or wrongful or willful acts. 16 07 To the maximum extent permitted by law, my Executor may withhold a distribution to a beneficiary hereunder until receiving from the beneficiary an indemnification agreement in which the beneficiary agrees to indemnify the Executor against claims filed against the Executor as an "owner" or "operator" under the Comprehensive Environmental Response, Compensation, and Liability Act of 1980, as from time to time amended, or any regulation thereunder, or any other environmental law. [space intentionally left blank] Page 16 of 'S SECTION 17: POWERS AND AUTHORITIES OF TRUSTEE; ADMINISTRATION OF TRUSTS 17.01 In addition to, and not in limitation of, all powers, authorities, and discretions granted to any Trustee by statute, common law, under any rule of court, or conferred in other Sections of this Will, I hereby expressly confer upon my Trustee the following powers, which may be exercised in my Trustee's sole and absolute discretion without application to, approval of or ratification by any court: (a) to invest and reinvest in any kind of property, real or personal, and including common and preferred stocks, zero coupon bonds, voting trust certificates, securities, interests, and obligations in or of corporations, governmental bodies or agencies, unincorporated associations, partnerships (general or limited}, limited liability companies, joint ventures, tenancies in common, trusts, investment companies, investment trusts, common trust funds, or in any other kind of property, domestic or foreign, wasting or nonwasting, productive or nonproductive, regardless of the fact that any or all of the investments made or retained are of a character or size which would not be permissible under any statute or rule of court or otherwise deemed advisable for investments by fiduciaries; (b) to retain, invest in, sell, mortgage, lease, exchange, manage, subdivide, develop, build, alter, repair, improve, raze, abandon or otherwise deal with or dispose of any property, regardless of its nature, the lack of diversification o#' any trust, or the fact that any arrangement with respect to such property extends beyond the duration of any trust; (c) to vote in person at stock or security holders' meetings, partners' or members' meetings, or at any adjournment of such meetings; to vote by general or limited proxy, with ox• without power of substitution, with respect to any such shares of stock or other securities; or to execute proxies to one or more nominees; (d) to value and appraise the assets comprising the trust estate and make any allocations, divisions or distributions required or permitted by this 4~'ill in kind or in money, or partly in kind and partly in money, in different assets or disproportionate interests in assets, and to that end to allot to any part or share Page 17 of 2v such assets, real or personal, or portions thereof or undivided interests therein, as the Trustees may select- Except as otherwise herein specificalhT provided, the judgment and any determination of my Trustee in connection with, including any decisions to make anon-pro rata distributions and any decisions regarding the values assigned to various assets, shall be binding and conclusive on all parties interested therein; (e) to retain, for any period, all property initially received by my Trustee as a part of any trust created under my Will, including any assets with respect to which my Trustee is given the power to invest and reinvest, regaz•dless of whether such property or asset constitutes a large part or all of any trust or are not of the character, size, or income yield permissible or otherwise deemed advisable for investments by fiduciaries, as the fiduciaries may determine, without any liability or loss; (f) to borrow money in such amounts and upon such terms and from such persons or corporations as my Trustee shall deem prudent, and for the repayment of any monies so borrowed, to bind the trust estate by the execution and delivery of such obligations and such other evidences of indebtedness and by the imposition of such liens upon the real and personal property of the trust estate or any part thereof as my Trustee may deem advisable; (g) to pay, compromise, adjust, abandon, submit to arbitration, renew, settle, sue on, defend, sell, release and otherwise deal with any claims yr demands of any trust against others or of others against my estate or such trust as my Trustee may determine, including the acceptance of deeds of real property in satisfaction of bonds, mortgages and security interests, and to make any payments; in connection with the exercise of this power which my Trustee may determine, out of any trust created under my Will; (h) to make, execute, acknowledge and deliver all such deeds, assignments, transfers, mortgages, pledges, leases, covenants, contracts options, promissory notes, guarantees, bills of sale, powers of attorney, releases and other instruments and documents, sealed or unsealed, of whatsoever character, and to do Page 18 of Gt, or cause to be done all such other matters or things as my Trustee may deem necessary or proper to effect or exercise any power or authority given to or vested in my Trustee herein or by law; (i) to deal with matters involving the actual or threatened contamination of trust property (including interests in sole proprietorships, partnerships or corporations and any assets owned by such business entities) by hazardous substances, or involving compliance with environmental laws. In particular, my Trustee is empowered: (1) to inspect and monitor any such property periodically, as it deems necessary, to determine compliance with any environmental law affecting such property, with all expenses of such inspection and monitoring to be paid fi•om the income or principal of the trust; (2) to respond (or take any other action necessary to prevent; abate or "clean up") as it shall deem necessary, prior to or after the initiation of enforcement action by any governmental body, to any actual or threatened violation of any environmental law affecting any of such property, the cast of which shall be payable from trust assets; (3} to refuse to accept property as a trust asset if it determines that such property is contaminated by any hazardous substance or that. such property is being used or has been used for any activities directly or indirectly involving hazardous substances which could result in liability to the trust or otherwise impair the value of trust assets; {4) to settle or compromise at any time any claim against tl~i.s trust related to any such matter asserted by any governmental body or private party; (5) to disclaim any power which it determines may cause it to incur personal liability as a result of such matters, whether such power is set forth in this document, incorporated by reference herein, or granted or implied by any statute or rule of law; and (6) to decline to serve as trustee or, having undertaken to serve, Page 19 of z,> resign at any time it believes there is or may be a conflict between it in its fiduciary capacity and in its individual capacity because of potential claims or liabilities which might be asserted against this trust because of the type or condition of trust assets. When used in this document the term "hazardous substance(s)" shall mean any substance defined as hazardous or toxic or otherwise regulated by any federal, state or local law(s), rules} or regulation(s) relating to the protection of the environment or human health ("environmental law(s)"); (7) to receive any property, real or personal, to be added to the trust from my spouse in any event (and if the trustee consents in writing, from any other person) by lifetime or testamentary transfer or otherwise; provided, however, that the trustee may require, as a prerequisite to accepting property, that the donating party provide evidence satisfactory to my Trustee that (i) the property is not contaminated by any hazardous or toxic materials or substances; and (ii} the property is not being used and has never been used for any activities directly or indirectly involving the generation, use, treatment, storage, disposal, release, or discharge of any hazardous or toxic materials or substances; 17.02 My Trustee shall not. be personally liable to any beneficiary or other party interested in the trust, or to any third parties, for any claim against the trust for the diminution in value of trust property resulting from matters involving hazardous substances, including any reporting of or response to (1) the contamination of trust property by hazardous substances, or (2) violations of any environmental laws related to the trust; provided that my Trustee shall not be excused from liability for its own negligence or wrongful or willful acts. 17.03 Notwithstanding any contrary provision of this instrument, my Trustee may withhold a distribution to a beneficiary from a trust hereunder until receiving from the beneficiary an indemnification agreement in which the beneficiary agrees to indemnify the trustee against any claims filed against the trustee as an "owner" or "operator" under the Comprehensive Environmental Response, Compensation and Liability Act of 1980, as from time to time amended, or any regulation thereunder, or any other environmental law. - - _--- - Page 'L(} of 2~> 17.04 My Trustee shall be excused from filing any account with any court. All decisions made in good faith and with reasonable diligence by my Trustee shall be conclusive and binding on all persons having or acquiring any interests in any trust under this Will. 1 ?.D5 My Trustee shall at all times serve as such without bond. 17.06 My Trustee, while acting in good faith and exercising due care, shall not be liable or held responsible for any loss or depreciation in the value of any trust, created herein, resulting from any of the investments or reinvestments made or retained as aforesaid. 17.07 The named Trustees are hereby authorized to name and appoint such successor Trustee or Trustees, Co-Trustee or Co-Trustees as they may deem advisable, the said appointment to be made by an instrument in writing duly signed and executed by the Trustees, and delivered to the new Trustee or Trustees. Thereupon, such new Trustee or Trustees shall be vested with all powers and duties granted to and imposed upon the Trustees, hereinafter named, including the power of appointing a successor or Co-Trustee. The successor or Co-Trustee herein referred to may be either an individual or a corporation. 17.08 Any removal and appointment made pursuant to this Section shall be in writing and shall be effective when an executed copy thereof is delivered to the corporate Trustee then acting as such, together with a written acceptance of the trust by the newly-appointed Trustee. 17.09 Any Trustee may resign at any time by sending notice by registered mail to the remaining Trustee(s), if any, and to the adult beneficiaries, if any, and to the guardian of any minor beneficiaries, if any. After thirty (30) days from the date of such mailing, such resignation shall become effective, and thereafter the Trustee so resigning shall be discharged from any further duties hereunder, such right of resignation to be a continuing one. Such right shall be conditioned on the availability of a successor Trustee. 17.10 If at any time the office of Trustee of any trust hereunder should become vacant, a majority of the beneficiaries of such trust to whom income or Page 2 L of '~3 principal is then required or permitted to be distributed and who are then sui juris shall have the right to appoint an individual or a bank or trust company to serve as successor Trustee of such trust. 17.11 A Trustee by instrument in writing may delegate to a Co-Trustee for a specified period of time any of such Trustee's power and authorities; provided, however, that the powers and authorities vested exclusively in a disinterested Trustee shall not be delegated to a Trustee who is not disinterested. Upon termination of any such delegation, the delegating Trustee may accept, without audit, the books and records of a Co-Trustee to whom such powers and authorities have been delegated and shall be free from liability for any and all acts or omissions of such Co-Trustee during the period of such delegation. 17.12 Substitute or Successor Trustees hereunder shall have all the rights, powers, discretion, duties, and responsibilities, as well as the limitations thereof, granted to or imposed upon my Trustee herein named. Such Trustee shall not bc, liable for the acts of their predecessors if, by the exercise of reasonable diligence, they do not discover such acts upon becoming acting Trustees. 17.13 No trust created hereunder shall be administered under the direction or jurisdiction of any court. 17.14 The property and assets of all trusts created hereunder shall be held in the sole custody and possession of the Trustee. 17.15 Anything to the contrary notwithstanding, the Trustees may designate such person or persons who may withdraw funds from any checking, savings or other similar account, maintained for any trust created in this Will, and in such case only one (1) Trustee need be the signatory for the withdrawal of funds from such account, or for such deed, instrument or document. 17.16 The Trustee may change the situs of any trust created hereunder (and to the extent necessary or appropriate, move the trust assets) to a state or country other than the one in which the trust is administered, if the Trustee believes it to be in the best interests of the trust or of the beneficiaries. The Trustee may elect that the law of such other jurisdiction shall govern the trust to the extent necessary or Page '32 of'u~:, appropriate under the circumstances. 17.17 My Trustee shall have the power to merge any trust which I seek to establish in this Will with another trust which already exists and has similar beneficiaries, terms, conditions and purposes. If my wife predeceased me, the Family Trust created in her Will and the Familiy Trust created in my Will shall be merged into one "Straw Family Trust." 17.18 Each person who serves as a Trustee shall be entitled to receive reasonable compensation for services rendered and reimbursement far reasonable expenses. In the case of a corporate Trustee, reasonable compensation is based upon its published fee schedule in effect at the time its services are rendered or as otherwise agreed, and its compensation may vary from time to time based upon that schedule. SECTION 18: MISCELLANEOUS PROVISIONS 18.01 Fiduciary Provisions No Fiduciary named in this will shall be required to give bond or other security in any jurisdiction in which he or his successor shall act in connection with my estate. Nor shall any guardian or property or persons be required to give bond for the faithful performance of their duties in any jurisdiction. Te terms ``Executor" and "Personal Representative" are to be used interchangeably. 18.02 Specific Items of Property Gifts of specific items of property mentioned in this will or any separatc3 writing that is binding upon my Executor shall fail to the extent that I, or any duly authorized agent of mine, dispose of such property prior to my death. My Executrix shall not substitute cash or any other assets for any such property. 18.03 Matters of Interpretation For simplicity, I may have expressed pronouns and other terms in one number and gender, but where appropriate to the context, these terms shall be deemed to include the other number or gender. Page L`3 of 25 18.04 Paragraph Construction Paragraph headings in this Will are for reference only and shall not affect the meaning, construction or effect of this Will. 18.05 Survivorship If my wife and I die in a common disaster, and the order of our deaths is not clear, it shall be presumed that my wife .survived me. IN WITNESS WHEREOF, I have hereunto set my hand and seal this ~___ day of April, 2010. ~H" .-P~.~.i~ ~ (SEAL) Lewis A. Straw SIGNED, sealed, published and declared by Lewis A. Straw, the above Testator, as and for his Last Will and Testament, in the presence of us, who, at his request, in his presence and in the presence of each other, have hereunto subscribed our names as witnesses. _ l_,d~„iu //~ J 7t~~.~~ Residence Witness ~' ~, ,(,( ~.~-f -~I~Q ~~yl ` .~ :\ Residence Witness ~ , rl-~ ~~~.~~~~~D~i~~3~ Page 24 of `>::, COMMONWEALTH OF PENNSYLVANIA ss COUNTIT OF CUMBERLAND We, the undersigned, whose names are signed to the attached or foregoing instrument, being first duly sworn and qualified according to law, do hereby declare to undersigned authority that we were present and saw the Testator sign and execute the instrument as his will, and that he had signed willingly (or willingly directed another to sign for him), and that he executed it as his free and voluntary act for the purposes therein expressed, and that each of the witnesses, in the presence and hearing of the Testator, signed the will as witness and that to the best of their knowledge the Testator was at that. time eighteen years of age or older, of sound mind and under no constraint or undue influence; and I, the said Testator, do hereby acknowledge that I signed and executed the instrument as my last will, that I signed it willingly, and that I signed it as my free and voluntary act for the purposes therein expressed. ;~ Lewis A. Straw --~Q~~ t ,~~ Residence: ~// ~ fi~a~. ~ Witness ~E~~~i ~ • ~7 i._.,s~- 1' ~.f~`_~ .(~ ~ ~1.( ~L~~~~~~ Residence: l~~L~.i' t='~ I "~C~ ~' ~'. Witness Subscribed, sworn to and acknowledged before me by the above-named witnesses, this day of April, 2010_ COMMON flF P~NSYLVANiA ~'~ Notarial Seal Danielle Winn, Notary PubUc NOtar Public Camp Hill Boro, Cumberland County y My Commission Expires Sept. 9, 2D13 Member, Pennsylvania Association of Notaries Page Z5 of 2~> Fil N . TRAW L.A. A.M. P e #2 APPRAISAL OF REAL PROPERTY LOCATED AT 2308 RITNER HIGHWAY CARLSLE, PA. 17015-9398 DEED BOOK 274 PAGE 3534 MSA# 42041 FOR SHOOK ,BRYAN W. ESQUIRE 2132 MARKET STREET CAMP HILL, PA. 17011 OPINION OF VALUE 1 so,ooo AS OF APRIL 28.2010 BY PATRICK A. McCARTHY McCARTHY ASSOCIATES (717)796-9770 mccarthyassociates@com cast.net Form GA1V -`TOTAL for Windows' appraisal software by a la mode, inc. - 1-800-ALAMOOE File N . TRAW L.A. A.M. P # JUNE 28 , 2010 SHOOK ,BRYAN W. ESQUIRE 2132 MARKET STREET CAMP HILL . PA. 17011 Re: Property: 2308 RITNER HIGHWAY CARLSLE, PA. 17015-9398 Borrower: N/A File No.: In accordance with your request, we have appraised the above referenced property. The report of that appraisal is attached. The purpose of this appraisal is to estimate the market value of the property described in this appraisal report, as improved, in unencumbered fee simple title of ownership. This report is based on a physical analysis of the site and improvements, a locational analysis of the neighborhood and city, and an economic analysis of the market for properties such as the subject. The appraisal was developed and the report was prepared in accordance with the Un'rform Standards of Professional Appraisal Practice. The value conclusions reported are as of the effective date stated in the body of the report and contingent upon the certfication and limiting cond'Rions attached. It has been a pleasure to assist you. Please do not hesitate to contact me or any of my staff if we can be of additional service to you. Sincerely, PATRICK A. McCARTHY McCarthy Associates Fil No. TRAW L.A. A.M. Pa a #4 Borrower N/A File No. STRAW L.A. / A.M. Pro ert Address 2308 RITNER HIGHWAY Ci CARLSLE Cou CUMBERLAND State PA. Zi Code 17015-9398 Lender Client SHOOK BRYAN W. ESQUIRE APPRAISAL AND REPORT IDENTIFICATION This Appraisal Report is nIIe of the followlnp types: ^ Self Contained (A written report prepared under Standards Rule 2-2(a) , persuant to the Scope of Work, as disclosed elsewhere in this report.) ®Summary (A written report prepared under Standards Rule 2-2(b) , persuant to the Scope of Work, as disclosed elsewhere in this report.) ^ Restricted Use (A written report prepared under Standards Rule 2-2(c) , persuant to the Scope of Work, as disclosed elsewhere in this report, restricted to the stated intended use by the specified client or intended user.) Comments on Standards Rule 2-3 I certify that, to the best of my knowledge and belief: The statements of tact contained in this report are true and correct. • The reported anayses, opinions, and conclusions are limited ony by the reported assumptions and limiting conditions and are my personal, impartial, and unbiased professional anayses, opinions, and conclusions. • I have no (or the specified) present or prospective interest in the properly that is the subject of this report and no (or the specified) personal interest with respect to the parties involved. • I have no bias with respect to the property that is the subject of this report or the parties involved with this assignment. • My engagement in this assignment was not conbngenl upon developing or reporting predetermined results. • My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the valt~ opinion, the attainmem of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. • My analyses, opinions and conclusions were devebped and this report has been prepared, inconformity with the Uniform Standards of Professional Appraisal Practice. I have (or have not) made a personal inspedian of the property that is the subject of this report. • No one provided signrficant real property appraisal assistance to the person signing this cedrfication. (ff there are exceptions, the name of each individual providing significant real property appraisal assistance is stated elsewhere in this report.) Comments on Appraisal and Report Identification Note any USPAP related issues requiring disclosure and any State mandated requirements: THE INTENDED USER IS THE LENDER/CLIENT OF THIS REPORT. THE REPORT IS IMPLEMENTED FOR LOAN SERVICING AND IS NOTED HEREIN. APPRAISER: SUPERVISORY APPRAISER (only if required): Signature: %~ ~~"E `r'' ~ Signature: Name: PATRICK A. McCARTHY Name: Date Signed: June 29. 2010 Date Signed: State Certification #: RL 001155 L State Certification #: or State License #: or State License #: State: PA. State: Fxpiraticn Date of Certification or License: 6-30-11 Expiration Date of Certification or License: Supervisory Appraiser inspection of Subject Property: Effective Date of Appraisal: APRIL 28.2010 ^ Did Not ^ Exterior-only from street ^ Interior and Exterior Farm IDO6-"TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE it N . TRAW L.A. A.M. P # SUMMARY OF SALIENT FEATURES Subject Address 2308 RITNER HIGHWAY Legal Description DEED BOOK 274 PAGE 3534 MSA # 42041 City CARLSLE County CUMBERLAND State PA. Zip Code 17015-9398 Census Tract 0128.00 Map Reference CUMBERLAND CTY. Sale Price $ N/A _ Date of Sale N/A Borrower N/A Lender/Client SHOOK ,BRYAN W. ESQUIRE Size (Square Feet) 1,232 Price per Square Foot $ 129.87 Location RURAL Age 38 Condition AVERAGE Total Rooms 6 Bedrooms 3 Baths 1.5 Appraiser PATRICK A. McCARTHY Date of Appraised Value APRIL 28 , 2010 Opinion of Value $ 160,000 Form SSD2 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE McCarthy Associates Fil N . TRAW L.A. A.M. P # STRAW FAMILY TRUST Uniform Residential Appraisal Report File# STRAW LA- / A M The ur ose of this summa a raisal re ort is to rovide the lender/client with an accurate, and ode uate su orted, o inion of the market value of ttre subject roe Pro a Address 2308 RITNER HIGHWAY Ci CARLSLE State PA. L' Code 17015-9398 Borrower N/A Owner of Public Record STRAW LEW IS A. Cou CUMBERLAND Le al Descri lion DEED BOOK 274 PAGE 3534 MSA # 42041 Assessor's Parcel # 08-09-0525-007A Tax Year 2010 R.E. Taxes $ 2 183.43 Nei hborhood Name DICKINSON TWP. /CARLISLE AREA Ma Reference CUMBERLAND CTY. Census Tract 0128.00 Occu ant ^ Owner ^ Tenant Vacant S ecial Assessments $ N/A ^ PUD HOA $ N/A er ear ^ er month " Pro ert Ri Ms A raised ®Fee Sim le ^ Leasehold ^ Other describe Assi nment T e ^ Purchase Transaction ^ Refinance Transaction ®Other describe FAMILY TRUST VALUATION Lender/Client SHOOK BRYAN W. ESQUIRE Address 2132 MARKET STREET CAMP HILL PA. 17011 Is the sub ect roe current offered for sale or has it been offered far sale in the twelve months rior to the effective date of this a raisal? Yes ®Na Re ort data sources used, ofterin rice s and dates . N/A I ^ did ®did not anaryze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not erformed. N/A Contract Price $ N/A Date of Contract N/A Is the roe seller the owner of ublic record? ^ Yes No Data Sources N/A Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of ifs borrower? ^ Yes ^ No If Yes, re art the total dollar amount and describe the items to be aid. N!A Note: Race and the racial com osition of the nei hborhood arc not a raisal factors. Nei hbofioodOharactedsdcs` One-Uitlt;Housin Trends' One-Unkffousln ' Presea4LandUse%: Locatien ^ Urban Suburban Rural Pro Values Increasi Stable Declinin PRICE AGE One-Unit 40 % Built-U ^ Over 75% ®25-75% ^ Under 25% Demand/Su ^ Shorta a ®In Balance ^ Over Su I $000 rs 2-0 Unit 02 % Growth ^ Ra id ®Stable Slow Marketin Time ^ Under 3 mths ®3-6 mths Over 6 mths 60 Low NEW Mufti-Famil 01 % Nei hbomoad Boundaries THE SUBJECT IS BOUNDED AT THE NORTH BY PA. ROUTE 641 499 Hi h 140 Commercial 11 % WEST BY PA. ROUTE 233 SOUTH BY I-81 EAST BY PA. ROUTE 465. 159 Pred. 30-35 Other 46 % Nei hborhood Descri lion THIS RURAL NEIGHBORHOOD IS COMPRISED OF PROPERTIES REFLECTING SIMILAR QUALITY MAINTENANCE DESIGN /APPEAL AND MARKETABILITY OF THE SUBJECT PROPERTY. RURAL AVAILABILITY TO MOST MAJOR EMPLOYMENT SECTORS AND FAIR CONVENIENCE TO SHOPPING FOOD/RETAIL SCHOOLS PUB. AND RECREATION. Market Conditions includin su ort for ttre above conclusions LOCALLY RF_AL. ESTATE MARKET CONDITIONS ARE STABLE AS SALES ACTIVITY IS ON-GOING DESPITE SOME OTHER CONCERNS ABROAD. INTEREST RATES REMAIN LOW AND ECONOMICALLY ATTRACTNE TO MOST CONSUMERS. DEMAND/SUPPLY IS STABLE AND MARKETING TIME IS ESTIMATED AT 3-6 MONTHS. Dimensions 1.722 ACRES Area 75 010 S.F. Sha a Vew S ecific Zoni Classttication RESIDENTIAL-1 Zonin Descri lion S/F RESIDENTIAL Zonin Com liance Le al Le al Nonconfarmin Grandfathered Use Na Zoni III al describe Is the hi hest and best use of subject roe as im roved or as ro osed er tans and s ecificafions the resent use? Yes No ff Na, describe UtIlttles PuWk Other (describe) PuWk Other (describe) Off-she lm rovements-T Publk Private Electrfci ® 200 AMP Water ^ WELL Street MACADAM Gas ^ ^ NONE Sanita Sewer ^ ®SEPTIC Alle NONE ^ ^ FEMA S ecial Flood Hazard Area Yes ®No FEMA Flood Zane X FEMA Ma # 42041 C0220E FEMA Ma Date 3!16!2009 Are the utilities and off-site im rovements ical for the market area? Yes No tt No, describe Are there an adverse site candttions or external factors easemerds, encroachments, environmental conditions, land uses, etc. ? ^ Yes ®No tt Yes, describe NO DELETERIOUS CONDITIONS CURRENTLY EXIST. THERE MAY BE EASEMENTS ENCROACHMENTS AND RIGHTS-OF-WAY THAT THE APPRAISER IS UNAWARE OF. FURTHER THE APPRAISER IS NOT PROFESSIONALLY QUALIFIED TO ASSESS MOST ENVIRONMENTAL ISSUES. `GeneralDeacri do Foundatbn > EztariortReacrl 'on- materials/.wnditfonl Inteifor; ° materials/condition: Units ®One ^ One with Accesso Unit ^ Concrete Slab ^ Crawl S ace Foundation WaIN CONC. BLK. AVG. Floors PLY-W/W AVG. # of Stories 1 Full Basement Partial Basement Exterior Walls BRK./VINYL GD. Walls DRYWALL AVG. T e Det. Att. S-Det./End Unit Basement Area 1 232 s .ft. Roof Surface ASPH. SHGL. AVG TriMRnish WOOD AVG. txsti Pro osed Under Const. Basement Rnish 80 % Gutters & Downs uts ALUMINUM AVG. Bath Floor VINYL AVG. Desi n S le 1 STY. RANCH Outside E /Exit Sum Pum Window T e DOUBLE-HNG GD. Bath Wainscot DRY./CER. AVG. Year Built 1972 Evidence of Irttestation Storm Sashllnsulatetl ALUMINUM AVG. Car Stor a None Effective Age rs 20 ®Dam ness ^ Settlement Screens ALUMINUM AVG. Drivewa # of Cars MULTI Attic None Heatin FWA HWBB Radiant Amenitles Woodstove s # Drivewa Surface STONE Dro Stair Stairs Other Fuel OIL Rre laces # 1 Fence CHN. LNK Gara e # of Cars Floor Scuttle Conlin Central Air Condttionin Patio/Deck BOTH Porch CV. FRT. Car art # of Cars ^ finished ^ Heated ^ Individual ^ Other ^ Pool ®Other SHED ^ Ari ^ Det. ^ Built-in A Dances ®Retri erator ®Ran e/Oven ®Disfnvasher ^ Dis osal ^ Microwave ^ Washer/D er ®Other describe FAN/HOOD finished area above rode contains: 6 Roams 3 Bedrooms 1.5 Baths 1 232 S uare Feet of Gross Livi Area Above Grade . Additional features s ecial ener efficierd items, etc.. COVERED FRONT PORCH 5 X 20 CONCRETE PATIO SIDE /OPEN WOOD DECK REAR LWR. LEVEL REC. ROOM & PLAY RM. 'OIL FWA-CAC 'STONE OFF-STREET PARKING MULTI 'OAK KITCH. Describe the condttion of the roe includin needed re airs, deterioration, rerlovalions, remodeGn ,etc.. NORMAL DEPRECIATION IS NOTED. NO PHYSICAL FUNCTIONAL OR EXTERNAL INADEQUACY WAS NOTED OR WITH THE FLOOR PLAN. WITH AVERAGE MAINTENANCE AND CONDITION THE SUBJECT WILL RECOGNIZE CONTINUED AVERAGE ACCEPTANCE IN THIS MARKETPLACE. THE BSMT. APPEARS TO HAVE EXSTG. DAMPNESS FLOORING LIFTING AND MODERATE MOLD EVIDENT IN NW CORNER OF BSMT- PNLG. BULDGING TILE CLG.-BSMT. AND BATH SURROUND SHOULD BE REPLACED Are there an h sical deficiencies or adverse conditions that affect the Iivabili ,soundness, or structural inl d of the ro ? ^ Yes No ff Yes, describe THE APPRAISER DELNERS AN OPINION OF VALUE ONLY. HE IS NOTA STRUCTURAL ENGINEER NOR GENERAL CONTRACTOR AND NO PHYSICAL WARRANTYS ARE MADE. THE UNrf IS IN AVERAGE OVERALL CONDITION. Does the roe eneral conform to the nei hborhood functional utili , s le, condition, use, construction, etc. ? ®Yes ^ No tt No, describe FUNCTIONAL UTILITY STYLE USE AND CONDITION. Freddie Mac Farm 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE I N . TRAW L.A. A.M. P #7 STRAW FAMILY TRUST Uniform Residential Appraisal Report Flle!! STRAW I A / A M There are 1 com arable ro erties current offered for sale in the subject nei hborhood ran in in rice from $ 165 000 to $ 165 000 There are 3 com arable sales in the subject nei hborhood within the ast twelve momfls ran in in sale rice from $ 157 900 to $ 167 500 FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 2308 RITNER HIGHWAY CARLSLE 117 CLAY ROAD CARLSLE 2329 RITNER HIGHWAY CARLSLE 62 LONESOME ROAD CARLSLE Proximi to Sub'ect 1.59 miles 0.08 miles 7.23 miles Sale Price $ N/ $ 167 500 $ 157 900 $ 160 000 Sale Price/Gross Liv. Area $ 129.87 s .ft. $ 135.96 s .ft. $ 124.14 s .ft. $ 148.15 s .ft. Data Sources MLS # 10184182 MLS # 10184219 MLS # 10190521 Verification Sources CT. HSE /MLS CT. HSE /MLS CT. HSE /MLS UALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad~ustment DESCRIPTION + - $ Adjustment DESCRIPTION + - $ Ad ustment Sales or financing Concessions CONY. DOM / 141 -2,500 CONV. DOM / 22 -4,000 CONV. DOM / 3 0 Date of Sale/Time 3-15-10 11-30-09 4-16-10 Location RURAL RURAL /SIM. 0 RURAL /SIM. 0 RURAL /SIM. 0 Leasehold/Fee Sim le FEE SIMPLE FEE SIMPLE FEE SIMPLE FEE SIMPLE Site t.722 ACRES 1.92 ACRES -1 000 .89 ACRE +2 500 1.40 ACRES +1 000 View PLEASANT SIMILAR SIMILAR SIMILAR Desi n S le 1 STY. RANCH 1 STY. RANCH 0 1 STY. RANCH 0 1 STY. RANCH 0 Ouali of Construction AVG./GOOD SIMILAR 0 SIMILAR 0 SIMILAR 0 Actual A e 38 20 0 53 0 42 0 Condition AVERAGE SUPERIOR -10 000 SUPERIOR -10 000 SUPERIOR -10 000 Above Grade Toth Bdrms. Batlu Total Bdrms. Baths Total Bdrms. Baths Total Bdrtns. Baths Room Count 6 3 1.5 6 3 2 -2 000 6 3 1 +2 000 5 2 1 +3 000 Gross Livi Area 1 232 S .ft. 1 232 S .ft. 0 1 272 s .ft. 0 1 080 S .ft. +2 300 Basement 8 Rnished Rooms Below Grade FULL-REC.RM. PLAY RM. FULL-REC.RM. DEN 0 FULL -00- +6 500 FULL-REC.RM. NONE +2 000 Functionalllvli GOOD SIMILAR SIMILAR SIMILAR - Heatin Cooli OFWA-C/A EBB +2 500 OFWA +2 500 OHWBB +2 500 ,• Ener Efficient hems THRM. PANES SIMILAR SIMILAR SIMILAR Gara e/Ca ort OSP-MULTI OSP-MULTI 0 CARPORT-1 -1 500 2 C. ATT. GR. -4 000 Porch/Patio/Deck PR/DK/PATIFP CF PR./ WDST +3 500 STP./DECK +5 000 STP./DECK +5 000 • Net Ad ustment otal + ®- $ 9500 + - $ 3 000 ®+ ^ - $ 1 800 Adjusted Sale Price of Com arables Net Adj. 5.7 % Gross Ad'. 12.8 % $ 158 000 Net Adj. 1.9 % Gross Ad'. 21.5 % $ 160 900 Net Adj. 1.1 % Gross Ad . 18.6 % $ 161 800 _ I did did not research the sale or transfer h isto of the subject roe and com arable sales. ff not, ex lain 5-24-06 FOR $ 130 000 M research ^ did did not reveal an rior sales or transfers of the sub~ect roe for the three ears rior to the effective date of this a raisal. Data Sources 5-24-06 FOR $ 130 000 M research did did not reveal an dor sales or transfers of the com rable sales far the ear dor to the date of sale of the com arable sale. Data Sources TAX ASSMT. / CT. HOUSE Re ort the results of the research and ana sis of the rior sale or transfer histo of the subject ro and com arable sales re ort additional dor sales on a e 3 . ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3 Date of Prior SaIeJTransfer 5-24-06 NO SALE W ITHIN 3 YRS. NO SALE WITHIN 3 YRS. NO SALE W ITHIN 3 YRS. Price of Prior Sale/Transfer $ 130 000 Data Sources TAX ASSMT. I CT. HOUSE TAX ASSMT. / CT. HOUSE TAX ASSMT. I CT. HOUSE TAX ASSMT. / CT. HOUSE Effective Date of Data Sources 6-28-10 EFF. 4-28-10 Ana sis of riar sale or transfer hist of the subject ro and com arable sales NO PRIOR SALES WITHIN THE LAST 3 YEARS SUBJECT / COMPS. Summa of Sales Com orison A roach THE COST APPROACH GENERALLY SETS THE UPPER LIMIT OF VALUE AS R CONSIDERS REPRODUCTION COSTS. THE MARKET ANALYSIS IS THE MOST INDICATIVE APPROACH AS IT CONSIDERS OTHER SIMILAR SALES IN THE MARKET AREA. THIS APPROACH IS GENEFALLY THE MOST RELIABLE. THE INCOME APPROACH IS NOT CONSIDERED NOR APPROPRIATE S/F RESIDENCE . Indicated Value b Sales Com orison A roach $ 160 000 Indicated Value b :Sales Com rison A roach; 160 000 Cost A roach (if develo ed) S 160 372 Income A roach (if develo d); N/A This appraisal is made ®'as is", ^ subject to completion per plans and specifications an the basis of a hypothetical condition that the improvemerds have been completed, ^ subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or ^ subject to the • followin re wired ins ection based on the extraordina assum bon that the condition or deficienc does not re wire alteration or re air: THE EFFECTIVE DATE IS ALSO THE DATE OF DEATH FOR MR. LEWIS A. STRAW M28H0 . Based on a complete visual insQection of the Interior and exterior areas of the subject property, defined scope of work, statement of assumptions and limiting condRions, and appraiser's certrftcation, my (our) opinion of the market value, as defined, of fhe real property that is the subject of this report is ; 160 000 as of APRIL 28 2010 which is the date of ins ecUon and the effective date of this a raisal. Freddie Mac Form 70 March 2005 Page 2 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows° appraisal software by a la mode, inc. - 1-800-ALAMODE F'I TRAW .A. A.M. P #B STRAW FAMILY TRUST Uniform Residential Appraisal Report File# STRAW , L.A. /AM. ' SEE ADDENDUM -COSTAPPROACHrTO=VALUE note ulredb .Fannie Mae Provide ode uate information for the lender/client to re licate the below cost fi ures and calculations. Su ort for the o inion of site value summa of com arable land sales or other methods for estimatin site value 'NOTE - DUE TO A LACK OF RECENT SIMILAR SIZED TRACTS THE APPRAISER UTILIZES HIS KNOWLEDGE AND EXPERIENCE IN THE SUBJECT MARKET BY ESTIMATING THE VALUE OF THE SUBJECT TRACT ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE...._..__ ..................._-._-.__.................-...- .._.. _$ 44 900 Source of cost data MARSHALL-SWIFT RESID. COST HANDBOOK DWELLING 1 232 S .Ft. @ $ 104.55 ........ ..... _$ 128 806 Ouali ratio from cost service GOOD Effective date of cost data 11-OS 1 232 S .Ft. $ 14.90 ........ ..... _$ 18 357 - Comments on Cost A roach ross Irvin area ca~ulations, de reciation, etc. CF PORCH PATIO WD. DECK FP-1 FEN . ........ ..... _$ 9 090 THE REPRODUCTION COST APPROACH IS DERIVED FROM Gara a/Ca ort OSP S .Ft. $ _$ DATA IN THE MARSHALL-SWIFT RESID. COST HANDBOOK Total Estimate of Cost-New _$ 156 253 GOOD QUALITY 1 STY. RANCH Less Ph sical Functional E>demal De reciation 46 876 =$ 46 876 D reciated Cost of Im rovements ............................. _$ 109 377 HUD/FHANA PROPERTY STANDARDS ARE NOT APPLICABLE "As-is" Value of Site Im rovemenls .............................................. ...... _$ 6 095 TO THIS REQUEST. Estimated Remainin Economic Life HUD and VA onl 45-50 Years INDICATED VALUE BY COST APPROACH .................. =5 160 372 - INCOMEAPPROACHsTO,YALUE.(riot -aired ` i=annieMae) Estimated Month Market Rent $ N/A X Gross Rent Mufti tier N/A = $ N/A Indicated Value b Income A roach Summa of Income A roach includin su ort for market rent and GRM NIA ,. , PROJECi1NFORMATiONFOR PUDs (if Ilcable) Is the develo er/builder in control of tfre Homeowners' Association HOA ? ^ Yes ^ No Unit s ^ Detached ^ Attached Provide the folbwin information for PUDs ONLY if the develo er/builder is in control of the HOA and the sub'ect roe is an attached tlwellin unit. Le al Name of Pro'ect N/A Total number of hoses N/A Total number of units N/A Total number of units sold NIA Total number of units rented N/A Totai number of unfls for sale N/A Data sources N/A - Was the ro'ect created b the comersian of existin buildin s into a PUD? Yes No If Yes, date of conversion. N!A Does the ro ect contain an mufti-tlwe9in units? Yes No Data Source N/A Are the units, common elemerds, and recreation facilities com lete? ^ Yes ^ No If No, describe the status of com letion. N/A Are the common elements leased to or b the Homeowners' Association? ^ Yes ^ No ff Yes, describe the rental terms and o (ions. N/A Describe common elements and recreational facilities. N/A Freddie Mac Form 70 March 2005 Page 3 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows' appraisal software by a la made, inc. - 1-800-ALAMODE file N . TRAW .A. #9 Uniform Residential Appraisal Report Flle# sTF;aw ,'~.a"i,ann This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Mod'rfications or deletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certrfications. The appraiser must, at a minimum: (1) pertorm a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a spec'rfied date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. *Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identrfiable since the seller pays these casts in virtually all sales transactiohs. Special or creative financing adjustments can be made to the comparable property by comparisons td financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, except for information that he or she became aware of during the research involved in pertorming this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such condtions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be pertormed in a professional manner. Freddie Mac Form 70 March 2005 Page 4 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows' appraisal software by a la mode, inc. - 1-800-AIAMODE Fil N . TRAW L.A. A.M. P #1 cTO n~n~ io~- unitorm Residential Appraisal Report File# STRAW , L.A. /A.M. APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and experience in appraising this type of property in this market area. 12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in pertorming this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, ether partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for pertorming this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualified to pertorm the tasks. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Freddie Mac Form 70 March 2005 Page 5 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Wintlows" appraisal software by a la made, inc. - i-800-ALAMOOE Fil N . TRAW L.A. A.M. P #11 CTD A\A/ CAAAII V TDI ICT Uniform lieslgentiaj Appraisal Keport Flk!{ STRAW . L.A. /AM. 21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; govemment sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions_of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, govemment sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature;' as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature..//~ :.,k ~•~~t-~Ll.~i Name PA~RICK A. McCARTHY Company Name McCARTHY ASSOCIATES Company Address 83 KELLY DRIVE CARLISLE , PA. 17013 Telephone Number (717) 796-9770 Email Address mccarthyassociatesL~comcast.net Date of Signature and Report June 29, 2010 Effective Date of Appraisal APRIL 28 , 2010 State Certification # RL 001155 L or State License # or Other (describe) State # State PA. Expiration Date of Certification or License 6-30-11 ADDRESS OF PROPERTY APPRAISED 2308 RITNER HIGHWAY CARLSLE PA. 17015-9398 APPRAISED VALUE OF SUBJECT PROPERTY $ 160,000 LENDER/CLIENT Name Company Name SHOOK BRYAN W. ,ESQUIRE Company Address 2132 MARKET STREET CAMP HILL , PA. Email Address ^ Did not inspect subject property ^ Did inspect exterior of subject property from street Date of Inspection ^ Did inspect interior and exterior of subject property Date of Inspection COMPARABLE SALES ^ Did not inspect exterior of comparable sales from street ^ Did inspect exterior of comparable sales from street Date of Inspection Freddie Mac Form 70 March 2005 Signature Name Company Name Company Address Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License SUBJECT PROPERTY Page 6 of 6 Fannie Mae Fonn 1004 March 2005 Form 1004 - "TOTAL for Windows° appraisal software by a la mode, inc. - 1-800-ALAMODE Fil N . TR W L.A. A.M. Pa #12 SUPPLEMENTAL ADDENDUM File No. STRAW , L.A. / A.M. Borrower Client N/A Pro ert Address 2308 RITNER HIGHWAY Ci CARLSLE Cou CUMBERLAND State PA. Zi Cade 17015-9398 Lender SHOOK ,BRYAN W. ESQUIRE ALL COMPARABLE SALES ARE CLOSED SALES. THOSE PROVIDED ARE THE MOST INDICATIVE SALES IN THE EXISTING SUBJECT MARKETPLACE, AND EACH ARE EXCELLENT INDICATORS OF VALUE. ADJUSTMENTS WERE MADE TO REFLECT THE MARKET REACTIONS TO THOSE fTEMS OF SIGNIFICANT VALUATION DIFFERENCE BETWEEN THE SUBJECT, AND THOSE COMPARABLES PROVIDED. THE COMPARABLES OVER 6 MONTHS OLD IN SALES DATE WERE CONSIDERED DUE TO THEIR LIKE STYLE, SIMILAR AMENITIES, VINTAGE, CONDITION, SITE SIZE, AS W ELL AS THEIR NEARBY PROXIMITY TO THE SUBJECT. OTHER MORE RECENT SALES WERE CONSIDERED BUT WERE NOT DEEMED TO BE AS APPROPRIATE AS THOSE PROVIDED. A COST FACTOR OF $15.00 PER SQUARE FOOT IS IMPLEMENTED AS A CONSISTENCY W ITH THE MARKET REACTION TO SUCH A DIFFERENCE, RATHER THAN A STRAIGHT LINE, COST BASIS ADJUSTMENT, WHICH WOULD OBVIOUSLY, BE SIGNIFICANTLY HIGHER. A SITE ADJUSTMENT IS IMPLEMENTED NOT A PRICE PER ACRE, BUT RATHER AS A CONSISTENCY W ITH THE MARKET REACTION TO SUCH A DIFFERENCE. A PRICE PER "RETAIL" ACRE ADJUSTMENT WOULD WARRANT A SIGNIFICANTLY HIGHER GRID ADJUSTMENT, AND REMAIN INCONSISTENT W ITH A DISCRIMINATING PURHCASERS MOTNATION, WHICH IS ULTIMATELY MORE CONSISTENT W ITH THAT DOLLAR ADJUSTMENT APPLIED. COMPARABLES # 1-3 ARE BOTH LOCATED IN EXCESS OF ONE MILE, FROM THE SUBJECT PROPERTY. THIS IS OWING IN PART TO THOSE ITEMS NOTED ABOVE CONCERNING THE RELATIVE SCARCITY OF RECENT HOME SALES, AS WELL AS TYPICAL DEMOGRAPHIC PROGRESS, AND THE INCREASED AVAILABILITY OF OTHER MORE RECENT SALES W ITHIN THE ONE MILE RADIUS, WHICH IS NORMALLY SUGGESTED BY GENERAL FNMA UNDERWRITING GUIDELINES. THE SUBJECT PROPERTY HAS PRIVATE ON-SITE WELL WATER, AND SEPTIC/SAND MOUND UTILITY SYSTEMS, ON THE PREMISES. THIS IS TYPICAL FOR THE AREA, AND SHOULD NOT HAVE ANY CURRENT/FUTURE, NEGATIVE IMPACT ON THE MARKETABILITY OF THE SUBJECT PROPERTY. THE WELL LOCATION TO ABSORPTION AREAS, SHOULD BE A MINIMUM OF 100' APART. THE COMPS. WERE CHECKED FOR SALES CONCESSIONS, AND THEY ARE ADJUSTED ACCORDINGLY. THIS HAS NO IMPACT ON THE FOREGOING MARKET VALUE BEING REPORTED. REPORT/TEXT: PRESCRIBED BY THE UNIFORM STANDARDS OF APPRAISAL PRACTICE (USPAP), AS ISSUED BY THE APPRAISAL STANDARDS BOARD, THIS REPORT IS CONSIDERED TO BE A COMPLETE SUMMARY REPORT. ' NOTE -THE CLIENT OF THIS VALUATION IS BRYAN W. SHOOK ,ESQUIRE. THE STATED PURPOSE OF THIS VALUATION IS TO DETERMINE THE FAIR MARKET VALUE OF THE SUBJECT PROPERTY ,FOR PURPOSES OF AN ALREADY ESTABLISHED, FAMILY TRUST. THE CURRENT TITLED OWNER: STRAW ,LEWIS A THE EFFECTIVE DATE OF THIS VALUATION IS ALSO THE DATE OF DEATH FOR MR. LEWIS A. STRAW ( DOD- 4-30-081. FURTHER, THE SUBJECT BASEMENT DOES SHOW EVIDENCE OF MOISTURE SEEPAGE. PART OF THE FINISH FLOORING IS LIFTING ,AND THERE IS MODERATE SIGNS OF MOLD ON THE NW CORNER OF BASEMENT WALL (PANELLING @ BR ). THERE IS ALSO A BULDGING TILE CLG: BSMT. ,AND BATH SURROUND SHOULD BE REPLACED, ENTIRELY. ALSO, THE SUBJECT IS IN AVERAGE OVERALL COSMETIC CONDITION ,WHILE THE COMPS. ARE EACH SUPERIOR , AS STATED PER MLS LIST COMMENTS : "COMPLETELY REDONE ", "VERY WELL MAINTAINED ", "RECENTLY RENOVATED BATHROOM ,UPDATED FLOOR COVERINGS ". THEY ARE ADJUSTED ACCORDINGLY. LASTLY ,THE SUBJECT IS CURRENTLY RENTED FOR $ 935.00 P /MONTH. THE TERM IS MONTH/MONTH , AND THE TENANT PAYS ALL PRIMARY UTILITIES. THERE MAY BE DIGITAL SIGNATURES USED IN THIS APPRAISAL REPORT. THEY ARE ACTUAWALID. USER: THE INTENDED SOLE USE OF THIS APPRAISAL REPORT IS EXCLUSIVELY FOR THE LENDER/CLIENT, AS NOTED ON THE COVER PAGE, OR PAGE ONE OF THE TEXT FORMAT, INTERNAL. IT IS CONFIDENTIAL IN NATURE, AND NOT INTENDED FOR ANY OTHER USE THAN THE LENDER/CLIENT, NOTED HEREIN. APPRAISER: THE APPRAISER HAS COMPLETED HIS 2-YEAR CONTINUING EDUCATION REQUIREMENTS, FOR THAT CERTIFICATION LICENSING CYCLE, WHICH IS MANDATED BY THE COMMONWEALTH OF PA., AND SUBSEQUENT PA. REAL ESTATE APPRAISAL BOARD. PERSONAL PROPERTY: NO PERSONAL PROPERTY, OR FIXTURE INTANGIBLES WERE CONSIDERED IN THE VALUATION PROCESS, UNLESS OTHERWISE NOTED. Form SUP -'TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Building Sketch (Page - 1) Fil No. TRAW L.A. A.M. P #1 Borrower Client N/A Pro a Address 2308 RITNER HIGHWAY Ci CARLSLE Cou CUMBERLAND State PA. Zi Code 17015-9398 Lender SHOOK BRYAN W. ESQUIRE Code AREA CALCULATIONS SUMMARY Descriptlon Size Net Totals 6LA1 First Floor 1232.00 1232.00 P/P Porch 100.00 Porch 192.00 292.00 TOTAL LIVABLE (rounded) 1232 LIVING AREA BREAKDOWN Breakdown Subtotals First Floor 28.0 x 44.0 1232.00 1 Calculation Total (rounded) 1232 form SKT.BIdSkI - "TOTAL for Windows° appraisal software by a la mode, inc. - 1-800-ALAMODE Fil N . TRAW L.A. A.M. P #t4 Location Map Borrower Client N/A Pro ert Address 2308 RITNER HIGHWAY Ci CARLSLE Cou CUMBERLAND State PA. Zi Cade 17015-9398 Lender SHOOK BRYAN W. ESQUIRE _ ~ ~''~ . ~~,> i .~ ~A ~~ Form MAP.LOC - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE Fil N . TRAW L.A. A.M. Pa #1 Subject Photo Page Borrower Client N/A Pro ert Address 2308 RITNER HIGHWAY Ci CARLSLE Cou CUMBERLAND State PA. L Code 17015-9398 Lender SHOOK BRYAN W. ESQUIRE Subject Front 2308 RITNER HIGHWAY Sales Price N/A Gross Living Area 1,232 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1.5 Location RURAL View PLEASANT Site 1.722 ACRES Quality AVG./GOOD Age 38 Subject Rear Subject Street Farm PIC3x5.SR -'TOTAL for Windows° appraisal software by a la mode, inc. -1-800-ALAMODE PHOTOGRAPH ADDENDUM Borrower Clierrf N/A Pro ert Address 2308 RITNER HIGHWAY Ci CARLSLE Cou CUMBERLAND State PA. Z Code 17015-9398 Lender SHOOK BRYAN W. ESQUIRE Form 6PIC3X5 - "TOTAL for Windows' appraisal software by a la mode, inc. - 1-800-ALAMODE PHOTOGRAPH ADDENDUM Borrower Client N/A Pro ert Address 2308 RITNER HIGHWAY Ci CARLSLE Cou CUMBERLAND State PA. Zi Code 17015-9398 Lender SHOOK BRYAN W. ESQUIRE MOLD - NW CRNR. BSMT. WALL BULDGING CLG. -BSMT. LIFTED FINISH FLRG. -BSMT. Eorm GPIC3X5 - "TOTAL for Windows" appraisal software by a la mode, inc. - t-800-ALAMODE Fil N . TRAW L.A. A.M. P e #1 PHOTOGRAPH ADDENDUM Borrower Client N/A Pro ert Address 2308 RITNER HIGHWAY Ci CARLSLE Cou CUMBERLAND State PA. Z Code 17015-9398 Lender SHOOK BRYAN W. ESQUIRE Form GPIC3X5 - "TOTAL for Windows' appraisal software by a la mode, inc. - t-800-ALAMODE Fil N . TRA L.A. A.M. P e #1 PHOTOGRAPH ADDENDUM Borrower Client N/A Pra ert Address 2308 RITNER HIGHWAY Ci CARLSLE Cou CUMBERLAND State PA. L Cade 17015-9398 Lender SHOOK BRYAN W. ESQUIRE Form GPIC3X5 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-81)(1-ALAMODE Comparable Photo Page Fil N . TRAW L.. A.M. P #2 Borrower Client N/A Pro a Address 2308 RITNER HIGHWAY Ci CARLSLE Cou CUMBERLAND State PA. li Cade 17015-9398 Lender SHOOK BRYAN W. ESQUIRE Comparable 7 117 CLAY ROAD Prox to Subject 1.59 miles Sale Price 167,500 Gross Living Area 1,232 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 2 Location RURAL /SIM. Vew SIMILAR Site 1.92 ACRES Quality SIMILAR Age 20 Comparable 2 2329 RITNER HIGHWAY Prox. to Subject 0.08 miles Sale Price 157,900 Gross Living Area 1,272 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1 Location RURAL /SIM. View SIMILAR Site .89 ACRE Quality SIMILAR Age 53 Comparable 3 62 LONESOME ROAD Prox to Subject 7.23 miles Sale Price 160,000 Gross Living Area 1,080 Total Rooms 5 Total Bedrooms 2 Total Bathrooms 1 Location RURAL /SIM. View SIMILAR Site 1.40 ACRES Quality SIMILAR Age 42 Form PIC3x5.CR - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE Legal Desc. File No. THAW L.A. A.M. P #21 Borrower Client N/A Pro ert Address 2308 RfTNER HIGHWAY Ci CARLSLE Cou CUMBERLAND State PA. Zi Code 17015-9398 Lender SHOOK BRYAN W. ESQUIRE Tax !L~ No. _ [Cco I'itjT Z.`Y{ P(~ 3 52 DEED `h M1IADE THE ~~ day of May is the year of our Lord two thousand ix {2006) Rh: f WEEN WCHARD L.'.tiOGGLE and PHYLLIS E. NOGGLE, husb::.rd and wife, o:'Cro~;. Pennsylvania and LE~Y7S .4. STRAW, of Cumberttsncl Canaty, Penrsyk:mia GRAN70RS C;RAN7'EL•. wTTNFSSEI'H, d;at [n roasideratiou of Onc Hundred "fhiry'Ibotisand Doll. (SI3D,DDD.Df!), ;n hand paid, the receipt whereof is hereby ackttawlcd8cd, the laic! Grantors ..-,} hereby bran=. a!ic comet m the said (invitees, their heirs and assigns as tenants by the ent~r^.aie 4L.I. THAT CERTAIN tract of fund sin.nrF in Diclcinwn Township, ( imixrland Cwnn, Pennsylvania, lwundtzl and discribext as Ibllows: t3EC.fNtQ INC: at a pni nt in the center line of the right-af-way of U3 Route i 1 ~ •aid point being zip :a westerly direcaian apd a distance of 252-69 feet Liam the corner of land of Dor by Moeller; thcnsc by land of the Grantor herein South 1 I degt»es East a distance of 422.90 icct ~ a slake; theacc b> the samz 67 degrees V~'est u distance of 137,39 fact kt s stake; thence same No: .it'L3 deices Wept dismncc of •t 13.ti6 feet to o paint in the centcrlinc of the tight-of-wry of U 5 Rc _te 11; rheum along the cemer line oFthe rip~tr-of-wayof l:S Route 1I Nor[h 67 degrees Ea`q a dist;: :cc of 225.3! feat t;: e poim, the place of BEGINNING. CONTAINING 1.;7.2ucres. SELNG the tinny premises which Lynn J. Frick and Lilac K. Prick, husband are :wife, by their decd dated Vlurch 2?, 1972, and rccordeci in die Oti:ce of the Recorder of Deeds iv :ttd for CvniMrlani County in L?ccd Book V, Votttmz 24, Page 849, gtantod and conveyed unto IL. hard L. Nogglc and Phytiis E. Noggle, husband and wit's, CiranWrs heitin. \nd the said (raptors hereby covenant and agree that they will warattt st.~cial! ~ die property hcrcr~: Cap VC}mod. Boor 2',i #~ ~[~3534 ~~. ~n,n , ~i nu r, ::Ul!]ERli~lii :, ~:Ir.T1' .nil f'r, r :. rarje 1 of Scab .. tet >e~ say Form MAP.LOC - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE Legal Desc. File N . TRAW L.A. A. M. Pa #22 Borrower Cliern N/A Pro a Address 2308 RITNER HIGHWAY Ci CARLSLE Cou CUMBERLAND State PA. Zi Cade 17015-9398 Lender SHOOK BRYAN W. ESQUIRE IN WITNESS WHEREOF, the said Grantors have hereunto set their hands e d ,enlq the day and year first above wrinen. SlGNF.D, SEALED AND DEi_IVERED !N'1`HE PRESFNCF.OF ~~''_ ~~ ~` Richard L. No e _ SF,AC. ~~ Phyllis Noggle COAIMONA'EALTH OF PENNSYLVANIA 1 SS. COUNTY ©FCUMBEILLA*]D ) UN THIS, the ~~ day of I~4ay 21)Ob, btfore me, the undersigned officer, personalty appeared Richard i,. Noggie and Phyllis E. Noggle, known to me (or satisfactor ly proven) to be the persons whose names:tre subscribed to the within instrument, and ackno~sledg: J that they executed the same for the purposes therein contained. IN WITNESS Vl•'HEREOF, I hereunto set my hand and official seal. NOTAHlAL SEAL ,QQ ` ;xt-iEttr SEJt7UN, tlotan ~~L J (SEAL) CdA16~2 t3ma. Cumbedend Gcurq -- --~ - t`"y GammiSS=~n ExF.F=s Aµ7! 26, 2W7 7 Certify this to be ecorded in CZimberIand Cot: my PA Recorder ;f Deeds pu Qf ~~ ~k'aG%:SS.~J -....r;~:n,n ,2.'L,:nu vn~ t =a;.ieEev~r;o cou"+rr ,~«~. . ~•~ z~.. ScaIF L"~ 7e7 aE~ say Form MAP.LOC - "TOTAL for Windows" appraisal software by a la mode, inc. - i-800-ALAMODE Fil N . THAW L.A. A.M. P #2 Legal Desc. Borrower CIieM NIA Pro a Address 2308 RITNER HIGHWAY Ci CARLSLE Cou CUMBERLAND State PA. L Code 17015-9398 Lender SHOOK BRYAN W. ESQUIRE 1 do hereL•y certify that :he precise resii3rz~c:e:s~l coniplcn: WSf O~CC Ad j1L^55 cf the within.namzd Cmr>nr{s) is 1 ~ ~rrT~ ~ ~/,~~~~s _~./Yl~7 / ~ ;~ rf ~ ~ ~ ,~ z / ob Dslr ---- --- - ~ C ~ ~ s `~ ~. _ -'4~57~8 ~""°~E~'iH~ ~ 5 ~_ ~ n' v ~~~~~~ ~ ~" ~~ ~ ~ ~~~ D~ ~ ..~. ~ ~ a N [988bg3~K>$~o~b ~, ------ ----T- - 0.; 1U:,1a 1^'~rCG l~ld W7A~EFI h'Y,i ,~JU"i~: S ~, i6 ~50rT~ ~~'4 FAC•c.~`.D.~ Int.^7af+;~'i?i- ro:c: i17 form MAP.LOC - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE Plat Map File N . TRAW .A. A.M. Pa a #24 Borrower Client N/A Pro ert Address 2308 RITNER HIGHWAY Ci CARLSLE Cou CUMBERLAND State PA. li Code 17015-9398 Lender SHOOK BRYAN W. ESQUIRE Form MAP.PLAT - "TOTAL for Windows° appraisal software by a la mode, inc. -1-800-ALAMODE Fil N TRAW L.A. A. M. Pa #2 Resume Borrower Client N/A Pro ert Address 2308 RITNER HIGHWAY Ci CARLSLE Cou CUMBERLAND State PA. L Code 17015-9398 Lender SHOOK BRYAN W. ESQUIRE McCarthy Associates 83 Kelly Drive Carlisle, PA 17013 Phone: (717) 796-9770 Fax: (717) 796-9775 mccarthyassociates@comcast.net Certified Residential Appraiser: Patrick A. McCarthy {RL #001155-L) Entered the Real Estate profession in 1988, obtaining broker's license in 1992. I have personally conducted over 10,000 appraisals. Approved FHA appraiser. Service to the entire counties of Dauphin, Cumberland, Perry, York, Adams, Lebanon ,Lancaster Credentials: • American Fraternity of Real Estate Appraisers (Certified Member Residential Appraiser), National Association of Realtors, Pennsylvania Association of Realtors, and the Greater Harrisburg Association of Realtors. Various specialty courses completed in Real Estate studies and appraisal techniques, including Real Estate Law. Finance Investment, Brokerage and Office Management, Appraisal of Income Producing Properties, Appraisal of Resicential Properties, Standards of Professional Practice, Principles of Real Estate Appraising, FHA Re-CertiFication, and Regression Analysis, as well as the standard biennial continuing education. • Member of Centrat Penn Multi-List Service, as well as Lebanon- Lancaster County MLS Association (Keystone) and Realtors Assn. of York-Adams County (RAYAC ) Errors and Omissions Insurance effective in the :mount of $ 2,000,000. Professional References: William Hummel, Chairman Deloris E. Kidd, Loan Originator First National Bank of Marysville AgChoice Farm Credit, FLCA 101 Lincoln Street 3301 W. Market Street Marysville, PA 17053 York, PA 17404 717-957-2196 717-582-3605 Barry Luckenbaugh ,Vice President Kent Patterson, Esquire Orrstown Bank 221 Pine Street Center Square Office Harrisburg, PA t 7101 Newport, PA 17074-0009 717-238-4100 717-567-3414 ~~aiP ~~ _ lei -s6~ saa Form MAP.LOC - "TOTAL for Windows" appraisal software by a la mode, inc. - t-800-ALAMODE License Bortower Client N/A Pro a Address 2308 RIINER HIGHWAY Ci CARLSLE Cau CUMBERLAND State PA. Zi Code 17015-9398 Lender SHOOK BRYAN W. ESQUIRE sn c~tirrwu..La6n arr«~I4~.1.°.to oro,r,r,r~, ~nl,l° tmrraa orrr~r~.a~em onarx r.ynrioeat Art,;r. C¢nlned Aesldendaf Appraiser feRificatc Number - EayfwatioB Date RL001153L 061308071 _ w O~~'^ _'~~ Rtgisir+uon Cafe - Certificate SUhs v ISt112646 Acitvo. t'ATRICKANDREW MCCARSµV ~ w ,,~~rr~~ D~` ^~~AC~T 83 KELCY DRNE v , Y, G A CARLISLE PA 17015 FG^;:; IIiL ID~GViP!'L: ~'IrrJ?i+.: r)N (%JILFUUV O;aK:fl!°WJtJUn UG'sNi4 'r1E ~•:ultl ~::.~~1.^. h'r ::[~111r4C ~ii'hHLHE ~':LTrASN. - !- trt e.LM iME'naLL~: r r'FAP •' CE>n:KwTE 4T Pr~YfU*'1rYl. PATPoCKA.PIDREW MCCARTHY 83 KELLY DRIVE CARLISLE FA 77Ut5 Registration Code 1'o0r rttgistratirn cor.fe is found on the att2Chad Wa4et a2nt. I ' Use this registration '.:odo anlinn 17: rorrnv y~0ur 3iC0rtsb, crtange. your oersor-t or fcense adtlrws, ar crdti+ duPlscate lir:enses. Visit our v/OCSi,B at _~r ~nv_~iicense.sta'.g,gayZ@ First lima users ~h II :'- required to use this reglaVatton cads to create a user i0 and passvrord. Fil N . THAW L.A. A.M. P #2 Cpm monwealth_ of'Y ennsylxanS a Departreaent p~fi State Bureau of Pro~'~sstt-tiai'and (~ceiipational Affairs Pt) i3o3t~~;t9'flan•isbtng 1'il`1 I~~2544 ~., Cerrificate Tyrpc Gerfifled Residential Appraiser PATRICK ANDREW MCCARTHY Cer[ificatc 8a KELLY DRIVE 1YUtnber ¢ARUSLEPA 17015 RL00'1155L ~. nu;,:r> V 08 <0574119 Certificate status Active initial Certit'ication .Date 081D5f1992' £frpiration irate os/3orzD1 ~.s~.~'',t~ l~ - s~ai~ I~ rr,i ~ _ tef ~rz st3 Form MAP.LOC - "TOTAL for Windows° appraisal software by a la mode, inc. - t-800-ALAMODE E & 0 Insurance Fil N . THAW L.A. A.M. Pa #27 Borrower Client N/A Pro ert Address 2308 RITNER HIGHWAY Ci CARLSLE Cou CUMBERLAND State PA. Zi Cade 17015-9398 Lender SHOOK BRYAN W. ESQUIRE _ GENERAL STAR NATIONAL INS JRANCE COMPANY ~~~~~~~~#~~ Financial Centre ~,,„~---'- P.O. Box 10360 Stamford, Connectictrt 06904-2366 REAL ESTATE APPRAISERS ERRORS & OMISSIONS INSURF.NCE POLICY I h.y ~s a claims made and repo POHvy `lumx~: N] A'SSU' I l~ t. NAMED INSURED' STREET ADDRESS: DECLARATIONS PAGE rter. pou;y. 1'Inane read rnia policy and all UlWrccnwnc c~:d a;tacM:tentc car<fclly Rer ec: al al Vunw~: N'.ti 9Sn51E I'an'i~x A Id?'r.n by A K:1 _: )it;vr C nr(nlr, I'A I^tlli 2- POLICY PERIt)Cl: ito?(~1"r>v ~: rnr,~ ~1A21iLlu9 Lxpi+a:w 6<„~. &^_l+?UIU CYer..trvr, 77:D1 .v.•rl. Stfrndxrd Time a: !h;c address U` lFr Nm~~. ~.1 blm~i a'!. J, LIPd1T OF LWSILITY: Farh Claim: 5 1 t71/,UOU Aunregacc: $?f1 ~,UCU Claim Expenses navy a 9rtp8G'.te 1 iml of L.aL•ility' F~rh Cla~.rn: S I,(1"AI,U~]U Arlc~r gaic' 32,ti0UALU A. DC-DUCTIBLE: Lath Gla!m: 5500.E Apyre;(rrs. $LCCC.GO .. RETROACTf>>=DATE: Ud'21"rrnl) U a data s irdicacct, fh w^ polity+w0 not Irm+dH rxrvmegU for any Glahn a'ie~i~ ~,:: oil el any aa. rrror, un'115.eiCn nr (frGenell ~nju'y' :'.171Cn OCCJrIC[1 Iler7 n` Sl~r:ll dNIB. G. ANNUAL PREMIURE S cSU.O? 7. ENDORSEM1IENT3: This ?u!bry rv. made ?~tia acrePte[ suer: Co trc pcrtetl D~? irg~ i:rm ;.I j:.r ~~i.a .vlJl ... (oCtrdna Fa'¢isl or endun;ema:Ys;, r STI.•17 '.P ~ 722[:'+:'):?I li5 V-07-hP-81_N.'t llr,.'2.07; GSV-A'-_P-'..it fOr. ~lC) LSt:A'i~+A FJ:]/I«:?1rRj S. RfANAGINti AGENT ~t ~_,.^ ~_. ;r,.u~.,..,;;~•y,~' -IcrCCrt l l LGrc'; I:'1Hllr~!'1'H Agl?I`f.Y. Iff. NCC~n7'n, •vlas iGfhlly!?I!H 'l ^Ar?-0-x$70 iu_UtOn 2C~~ :f^i^qPf 1?nL1? !:Sri-0'-?.P 72f.'r~-'G~2P:+71 . ;iq:.rnl'~I.ni:l?.Ocn?rz'.. 3~rlalon:~jern<nl f:vn'An': Ala' ~~.. ~7 Fa'vc ~:41 1'rlrluccr Cuie: ::a)_L"U l"lu:. .. ,_~ 7i1.S Dolt. UA/Il-; %INI-~l :i 1."~ , Form MAP.LOC - "TOTAL for Windows" appraisal software by a la made, inc. - 1-800-ALAMODE Fil No. TRAW L.A. A.M. P #2 STRAW FAMILY TRUS" Market Conditions Addendum to the Appraisal Report file No. STRAW . L.A. / AM. The purpose of this addendum is to provide the lender/cliertl with a clear and accurate understanding of the market trends and conditions prevalent in the subject net hborhood. This is a re wired addendum for all a sisal re orts with an effective date on or after A ril 1, 2009. Pro a Address 2308 RITNER HIGHWAY Ci CARLSLE State PA. 7JP Code 17015-9398 Borrower N/A Instructions: The appraiser must use the information required on this form as the basis far his/her conclusions, and must provide support for those conclusions, regarding housing trends and overall market conditions as reported in the Neighborhood section of the appraisal report form. The appraiser must fill in all the information to the extent tt is available and reliable and must provide anatysis as indicated below. tt any required data is unavailable or is considered unreliable, the appraiser must provide an explanation. It is recognized that not all data sources will be able to provide data for the shaded areas below; if it is available, however, the appraiser must include the data in the anaysis. If data sources provide the required information as an average instead of the median, the appraiser should report the available figure and identify it as an average. Sales and listings must be properties that compete with the subject property, determined by applying the criteria that would be used by a prospective buyer of the subject pro e . The a raiser must a lain any anomalies in the data, such as seasonal markets, new construction, foreclosures, etc. Invento Ana sfs Prior 7-12 Months Prior 4-& Months Current - 3 Months Overall Trend Total # of Com arable Sales Settled 0 1 2 Increasin Sfable Declinin Abso lion Rate otal Sales/Months 0 0.33 0.67 ^ Increasing ®Stable ^ Declining Total # of Cam arable Active Listin s 1 0 ' 0 Declihln Stable Increasin Months of Housin Su I otal Listin s/Ab.Rate 0 0 0 ^ Dedlinin ®'Stable ^Inaeasi Median Sale & List Price; DOM, SalelLlst % Prior 7-12 Months Prior 4-6 Months Current - 3 Months Overall Trend Median Com arable Sale Price 0 157 900 163 750 ^Increasin Stable ^Declinin Median Com able Sales Da s on Market 0 22 72 ^Declinin ®Stable ^Increasin Median Com arable List Price 0 159 900 169,950 ^Increasin ®Stable ^ OecGnih Median Com arable Listin s Da s on Market 300 D '' 0 ^Declihln ®Stable ^ Increasf " Median Sale Price as % of List Price 0 98.75 96.35 ^ Increasing ®Stable ^Declinin ., Seller- develo er, builder, etc. aid financial assistance revalent? ®Yes ^ No ^Declinin ®Stable ^Increasin Explain in detail the seller concessions trends for the pas112 months (e.g., seller contributions increased from 3% to 5%, increasing use of buydowns, closing costs, condo • fees, o lions, etc.. SALES CONCESSIONS TYPICALLY AVERAGE APPROXIMATELY 2 % . SALES CONCESSIONS HAVE NOT NECESSARILY INCREASED BUT REMAIN A PREVALENT OPTION IN RETAIL REAL ESTATE. THEY ARE USUALLY IMPLEMENTED WITH AN INCREASED CONTRACT PRICE TO OFFSET THOSE INHERENT CONCESSIONS. Are forecloslse sales REO sales a factor in the market? Yes No tt es, lain includin the trends in listin s and sales of foreclosed ro ernes . AN INCREASED NUMBER OF REO/FORECLOSED PROPERTYS HAVE ENTERED THE MARKETPLACE. THEY CONTINUE TO SELL AT FAIRLY CLOSE TO THE LISTING PRICE WITH THE AFOREMENTIONED SALES CONCESSIONS ALWAYS A REMAINING POSSIBILITY. Cite data sources for above information. CENTRAL PENN MLS PATRIOT NEWS COUNTY COURT HOUSE. Summarize the above information as support far your conclusions in the Neighborhood section of the appraisal report form. tt you used any additional information, such as an ana sis of endin sales and/or ex fired and withdrawn listin s, to formulate our conclusions, rmvide both an lanation and su art for our conclusions. CUMBERLAND COUNTY IN GENERAL HAS REMAINED A STABLE SALES ENVIRONMENT IN THE CENTRAL PA. REGION DESPITE CONCERNS IN NEIGHBORING COUNTYS TO THE SOUTH AND EAST. AND EVEN MORE SIGNIFICANT MARKET CONCERNS ABROAD. THE APPRAISER DOES CONTEND THAT THERE IS AN OVER-SUPPLY OF CURRENT LISTINGS IN THE GENERAL MARKETPLACE ALSO IMPACTING NEGATIVELY THE CURRENT ABSORPTION RATE AND LONGER GENERAL DAYS ON MARKET. M the subject Is a unft In a condominium or cooperative project , complMe the following: N/A Protect game: N!A Subject Project Data Prior 7-12 Months Prior 4--6 Months Current - 3 Months Overall Trend Total # of Com arable Sales Settled Increasin Stable Declinin Absor lion Rate otal Sales/Months ^Increasin ^Stable ^Declinin Total # of Active Cam arable Listin s ^Declinin ^'Stable ' ^Inaeasi Morfhs of Unit Su otal Listin s/Ab.Rate Declinin Stable Increasin Are foreclosure sales (REO sales) a factor in the project? Yes No If yes, indicate the number of REO listings and explain the trends in listings and sales of foreclosed ra ernes. . Summarize the above Vends and address the im act on the sub ect unit and ro'ect. Si nature Si nature • A raiserrfame PATRICK A. McCAR HY Su erviso A raiser Name Com an Name McCARTHY ASSOCIATES Com an Name Com an Address 83 KELLY DRIVE CARLISLE PA. 17013 Com an Address State LicenseJCertification # RL 001155 L State PA. - State License/Certification # State _ Email Address mccarthyassociates@comcast.net Ernail Address Predate MeC Form /l March ZUUy YaC~e l Or ~ tarn ne mx rune ~wvrvi~. maul cv~o Farm 1O04MC2 - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE APPRAISAL OF REAL PROPERTY LOCATED AT 21 BALM STREET HARRISBURG, PA. 17103-2217 INSTRUMENT # 20080024764 MSA # 42099 FOR SHOOK ,BRYAN W., ESQUIRE 2132 MARKET STREET CAMP HILL , PA. 17011 OPINION OF VALUE ao,zoo AS OF JULY 30 , 2010 BY PATRICK A. McCARTHY McCARTHY ASSOCIATES (717)796-9770 mccarthyassociates@comcast.vet Form GA1V-'TOTAL for Windows" appraisal software by a la mode, inc. - i-800-AUIMODE JULY 30,2010 SHOOK ,BRYAN W., ESQUIRE 2132 MARKET STREET CAMP HILL , PA. 17011 Re: Property: 21 BALM STREET HARRISBURG, PA. 17103-2217 Borzower: N/A File No.: In accordance with your request, we have appraised the above referenced property. The report of that appraisal is attached. The purpose of this appraisal is to estimate the market value of the property described in this appraisal report, as improved, in unencumbered fee simple title of ownership. This report is based on a physical analysis of the site and improvements, a locational analysis of the neighborhood and city, and an economic analysis of the market for properties such as the subject. The appraisal was devebped and the report was prepared in accordance with the Un'rform Standards of Professional Appraisal Practice. The value conclusions reported are as of the effective date stated in the body of the report and contingent upon the cert~cation and limiting condRions attached. It has been a pleasure to assist you. Please do not hesitate to contact me or any of my staff if we can be of additional service to you. Sincerey, ~ ~ i~~ PATRICK A. McCARTHY McCarthy Associates Borrower N/A File No. STRAW FAMILY TRUS' Pro a Address 21 BALM STREET Ci HARRISBURG Cou DAUPHIN State PA. L Code 17103-2217 Lender Client SHOOK BRYAN W. ESQUIRE APPRAISAL AND REPORT IDENTIFICATION This Appraisal Report is ~ of the following types: ^ Self Contained (A written report prepared under Standards Rule 2-2(a) , persuant to the Scope of Work, as disclosed elsewhere in this report.) ®Summary (A written report prepared under Standards Rule 2-2(b) , persuant to the Scope of Work, as disclosed elsewhere in this report.) ^ Restricted Use (A written report prepared under Standards Rule 2-2(c) , persuant to the Scope of Work, as disclosed elsewhere in this report, restricted to the stated intended use by the specified client or intended user.) Comments on Standards Rule 2-3 I certify that, to the best of my knowledge and befief: • The statements of fact contained in this report are true and correct. • The reported anayses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. • I have no (or the specified) present or prospective interest in the property that is the subject of this report and no (or the specified) personal interest with respect to the parties involved. • I have no bias with respect to the property that is the subject of this report or the parties involved with this assignment. • My engagement in this assignment was not contingent upon developing. or reporting predetermined results. • My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occunence of a subsequent event directly related to the intended use of this appraisal. • My analyses, opinions and conclusions were developed and this report has been prepared, inconformity with the Uniform Standards of Professional Appraisal Practice. • I have (or have not) made a personal inspection of the property that is the subject of this report. No one provided significant real property appraisal assistance to the person signing this certification. (If there are exceptions, the name of each individual providing significant real property appraisal assistance is stated elsewhere in this report) Comments on Appraisal and Report Identification Note any USPAP related issues requiring disclosure and any State mandated requirements: THE INTENDED USER IS THE LENDER/CLIENT OF THIS REPORT. THE REPORT IS IMPLEMENTED FOR LOAN SERVICING AND IS NOTED HEREIN. APPRAISER: SUPERVISORY APPRAISER (only If required): Signature: (( `~''~~` Signature: Name: PATRICK A. McCARTHY Name: Date Signed: August 16 2010 Date Signed: State Certification #: RL 001155 L State Certification #: or State License #: or State License #: State: PA. State: Expiration Date of Certification or License: 6-30-11 Expiration Date of Certification or License: Supervisory Appraiser inspection of Subject Property: Effective Date of Appraisal: JULY 30 , 2010 ^ Did Not ^ E~edor-only from street ^ Interior and Exterior Form IDO6- "TOTAL for Windows° appraisal software by a la mode, inc. -1-800-ALAMODE FiI N . TRAWFAMILYTR P # SUMMARY OF SALIENT FEATURES Subject Address 21 BALM STREET , Legal Description INSTRUMENT # 20080024764 MSA # 42099 City HARRISBURG County DAUPHIN State PA. Lp Code 17103-2217 Census Tract 0212.00 Map Reference ADC 11, A-8 Sale Price $ NIA Date of Sale N/A Borrower NIA Lender/Client SHOOK ,BRYAN W., ESQUIRE Size (Square Feet) 1,192 Price per Square Foot $ 33.72 Location URBAN Age 110+/- Condition AVERAGE Total Rooms 7 Bedrooms 4 Baths 1 Appraiser PATRICK A. McCARTHY Date of Appraised Value JULY 30 , 2010 Opinion of Value $ 40,200 Farm SSD2 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE McCarthy Associates + p PRIVATE/CON F ID. Uf1~fUff11 f~PiS~dP.llt~1~ AQQrCt~$S~ f~@QUft Fileq STRAW FAMILY TRUST The ur ose of this summa a sisal re ort is to rovide the Iendegclient with an accurate, and ode uate su orted, o inion of the market value of the sub ect roe Pro ert Address 21 BALM STREET Ci HARRISBURG State PA. L Code 17103-2217 Borrower NIA Owner of Public Record STRAW LEWIS Cou DAUPHIN Le al Descri lion INSTRUMENT # 20080024764 MSA # 42099 Assessor's Parcel # 09-011-012 Tax Year 2010 R.E. Taxes $ 1 424.13 Nei hborhood Name CITY OF HARRISBURG / 9TH. WARD Ma Reference ADC 11 A-8 Census Tract 0212.00 Occu am ®Owner ^ Tenant Vacarrt S eciai Assessments $ ^ PUD HOA $ er ear er morrth " Pro a Ri Ms A raised ®Fee Sim le ^ Leasehold ^ Other describe Assi nment T e ^ Purchase Transaction ^ Refinance Transaction ®Other describe TRUST CONSULTATION -PRIVATE VALUATION Lender/Client SHOOK BRYAN W. ESQUIRE Address 2132 MARKET STREET CAMP HILL PA. 17011 Is the subject roe current offered for sale or has it been offered for sale in the twelve months rior to the effective date of this a sisal? ^Yes ®No Re ort data sources used offerin rice s and dates . PROPERTY OWNER / MLS ^ did ®did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the conract for sale or why the anaysis was not erfarmed. N/A : Contract Price $ N/A Date of Contract N/A Is the roe seper the owner of ublic record? ^Yes ^ No Data Sources N/A Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? ^Yes ^ No If Yes, re ort the total dollar amount and describe the items to be aid. N/A Note: Race and the racial com osition of the nei hborhood are not a sisal tailors. Net hborhood Cliaracteristios One-UnitHousin Trends One-Unit Housin Presets Land Use °h Location Urban Suburban ^ Rural Pro Values Increasin ®Stable Declinin PRICE AGE One-Unit 77 % . Built-U ®Over 75% ^ 25-75% ^ Under 25% Demand/Su ^ Stwrfa a ®in Balance ^ Over Su I $ 000 rs 2-0 Unit OS % Growth ^ Ra id Stable Slow Marke6n Time Under 3 mites ®3-6 mites ^ Over 6 mites 5 Low 49 Mulfi-Fami 02 % Nei hborhood Boundaries THE SUBJECT IS BOUNDED AT THE NORTH BY STATE STREET 69 Hi h 119 Commercial 12 % WEST BY CAMERON STREET SOUTH BY MARKET STREET EAST BY 17 TH. STREET. 30 Pred. 90 Other 01 % Nei hborhood Descri lion THIS URBAN NEIGHBORHOOD IS COMPRISED OF SIMILAR PROPERT IES OFFERING COMPARABLE QUALITY STYLE DESIGN AND APPEAL. AVAILABILITY TO MOST MAJOR EMPLOYMENT SECTORS AND RELATIVE CONVENIENCE TO SHOPPING FOOD/RETAIL SCHOOLS PUBLIC -ALL LEVELS AND TO RECREATION ARF~ GOLFING FISHING/HUNTING . Market Condttions mcludin su ort far the above conclusions LOCALLY REAL ESTATE MARKET CONDITIONS ARE STABLE AS SALES ACTIVITY IS ON-GOING DESPITE SOME OTHER CONCERNS ABROAD. INTEREST RATES REMAIN LOW AND ECONOMICALLY ATTRACTIVE TO MOST CONSUMERS. DEMAND/SUPPLY IS STABLE AND MARKETING TIME IS ESTIMATED AT 3-6 MONTHS. Dimensions 14.8 X 75 Area 1 110 S.F. Sfw e RECTANGULAR Vew PLEASANT S ecific Zonin Ciassrfication RESIDENTIAL-1 Zonin Descri ion S/F RESIDENTIAL Zonin Com liance ®Le al Le al Nanconformin Grandfathered Use No Zoni Ille al describe Is the hi hest and best use of subject ro e as im raved or as ro osed er tans and s ecifications the resent use? ®Yes No It No, describe Utlltties Publk Other (describe) PuWfc Other(descrlbe) Off-site lm rovements-T Public Private Electrici ® 100 AMP Water ^ Street MACADAM ® ^ Gas ^ ^ NONE Sanita Sewer ® ^ Alle MACADAM ® ^ FEMA S eclat Flood Hazard Area Yes No FEMA Flood Zone C FEMA Ma # 4203800002A FEMA Ma Date 5/2/1977 Are the utilities and off-site im rovemems ical far the market area? Yes No If No, describe Are there an adverse site conditions or external factors easements, encroachmems, environmental condtions, land uses, etc. ? ^Yes ®No If Yes, describe NO DELETERIOUS CONDITIONS CURRENTLY EXIST. THERE MAY BE EASEMENTS ENCROACHMENTS AND RIGHTS-OF-WAY THAT THE APPRAISER IS UNAWARE OF. FURTHER THE APPRAISER IS NOT PROFESSIONALLY QUALIFIED TO ASSESS MOST ENVIRONMENTAL ISSUES. General Destxi , : n Foundatbn ExterioriDescri ion materials/condition Interior materials/condition Units ®One ^ One with Accesso Unit ^ Concrete Slab ^ Crawl S ace Foundation Walls STONE AVG. Floors W D: WIW AVG. # of Stories 2.5 Fuil Basement Partial Basement Exterior Walls P.STONE AVG. Walls PLSTR. AVG. T e Det. Att. S-DetJEnd Unit Basement Area 526 s .ff. Roof Surface STEEL AVG. TriMRnish WOOD AVG. 6dstin Pro osed Under Const. Basement finish -00- % Gutters 8 Downs uts ALUMINUM AVG. Bath Floor VINYL AVG. Desi n S le 2.5 STY. END Outside En /Extt Sum Pum Window T e DOUBLE-HNG GD. Bath Wainscot MRLT. AVG. Year Built 1900+/- Evidence of Infestation Storm SasMnsulated ALUMINUM AVG. Car Stara a None Effective Age rs 25 ^ Dam ness ^ Settlement Screens ALUMINUM AVG. Drivewa # of Cars Attic None Heatin FWA HWBB Radiartt Amenities Woodsiove s # Drivewa Surface Dro Stair Stairs Other Fuel ELECT. BB Rre laces # Fence CHN.LINK Gara e # of Cars Floor Scuttle Conlin Cerdral Air Conditiorri Patio/Deck Porch STP/CS Car ort # of Cars ® Fnished ®Heated ^ Individual ®Other C.FANS ^ Pool ^ Other ^ Att. ^ Det. ^ Built-in A liances ^ Refri erator ®Ran e/Oven ^ Disflwasher ^ Dis osal ^ Microwave ^ Washer/D er ®Other describe FAN/HOOD Fnished area above rode cotdains: 7 Rooms 4 Bedrooms 1 Baih s 1 192 S uare Feet of Gross Livin Area Above Grade . Additional features s eclat ener efficient items, etc.. FRONT STOOP "COVERED SIDE PORCH/BALCONY 5 X 18 'ELECTRIC BB HEAT ' 100 AMP ELECTRIC 'FINISHED 3RD. FLOOR BR - # 4 'FENCED REAR YARD CHAIN LINK 'STEEL ROOF ' D/I KITCH. Describe the condition of the roe includin needed re airs, deterioration, renovations, remodeNn etc.. NORMAL DEPRECIATION IS NOTED. NO PHYSICAL FUNCTIONAL OR EXTERNAL INADEQUACY WAS NOTED OR WITH THE FLOOR PtJW. WITH AVERAGE MAINTENANCE AND CONDITION THE SUBJECT WILL RECOGNIZE CONTINUED AVERAGE /GOOD ACCEPTANCE IN THIS MARKETPLACE. Are there an sical deficiencies or adverse conditions that affect the livabili ,soundness, or structural inl ri of the roe ? ^Yes No ff Yes, describe THE APPFAISER DELIVERS AN OPINION OF VALUE ONLY. HE IS NOTA STRUCTURAL ENGINEER NOR GENEF2AL CONTRACTOR AND NO PHYSICAL WARF2ANTYS ARE MADE. THE UNIT IS IN AVERAGE OVEF2ALL CONDITION. Does the roe eneral corrform to the nei hborhood functional utili , s le, condition, use, construction, etc. ? ®Yes ^ No tt No, describe FUNCTIONAL UTILITY STYLE USE AND CONDITION. Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a la made, inc. - 1-800-ALAMODE Fil N . AW FAMI Y P #7 PRIVATE/CONFID. Uniform Residential Appraisal Report File# STRAW FAMILY TRUST There are 2 com arable ro ernes cunent offered for sale in the subject nei hbortrood ran in in rice from $ 39 990 to $ 40 780 There are 3 com arable sales in the subject nei hborhood within the ast twelve months ran in in sale rice from $ 42 000 to $ 42 500 FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 21 BALM STREET HARRISBURG 1934 BELLEVUE ROAD HARRISBURG 926 NORWOOD STREET HARRISBURG 25 S. 17TH. STREET HARRISBURG Proximi to Sub'ect 0.65 miles 1.05 miles 0.39 miles Sale Price $ N/A $ 42 470 $ 42 500 $ 42 000 Sale Price/Gross Liv. Area $ 33.72 s .ft. $ 26.58 s .ft. ` $ 30.10 s .ft. $ 22.73 s .ft. Data Sources MLS # 10186051 MLS # 10196258 /PENDING MLS # 10175623 Verification Scurce s CT. HSE I MLS CT. HSE /MLS CT. HSE /MLS VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad'ustment DESCRIPTION + -) $ Adjustmerd DESCRIPTION + - $ Ad'ustment Sales or Financing Concessions CASH DOM / 9 0 UNK. DOM / 21 0 CONY. DOM / 434 0 Date of Sale~me 11-13-09 8-31-10 6-9-10 Location URBAN URBAN /SIM. 0 URBAN I SIM. 0 URBAN /SIM. 0 Leasehold/Fee Sim le FEE SIMPLE FEE SIMPLE FEE SIMPLE FEE SIMPLE Site 1 110 S.F. 1 742 S.F. 0 2 178 S.F. 0 1 742 S. F. 0 Vew PLEASANT SIMILAR SIMILAR SIMILAR Desi n S le 2.5 STY. END 2 STY. SEMI 0 3 STY. SEMI 0 2.5 STY. SEMI 0 Quali of Construction AVERAGE SIMILAR 0 SIMILAR 0 SIMILAR 0 Actual Age 110+/- 110+/- 0 102 +l- 0 110+/- 0 Condition AVERAGE SIMILAR 0 SIMILAR 0 SIMILAR 0 Above Grade Total Bdrms. Baths Toil Bdrms. BaNs Total Bdrms. Baths Total Bdrms. Baths Room Count 7 4 1 6 3 1 +1 000 7 4 1 0 8 5 2 -3 500 Gross Livin Area 1 192 s .ft. 1 598 5 .ft. -3 200 1 412 s .ft. -1 800 1 848 S .ft. -5 200 Basement & Finished Rooms Below Grade FULL -00- FULL -00- 0 FULL -00- 0 FULL -00- 0 Functionallmli AVERAGE SIMILAR SIMILAR SIMILAR Heatin Coolin EBB OHW 0 OFWA 0 GFWA 0 ,• Ener Efficientttems STORM UNITS SIMILAR SIMILAR SIMILAR Gara e/Ca ort STRT. PKG. STRT. PKG. 0 OSP-2/3 -500 STRT. PKG. 0 - Porch/Patio/Deck STP./CS POR. CF/CR PORCH 0 CF/CR PORCH 0 ENCL. PORCH 0 • Net Ad'ustment Total ^ + ®- $ 2 200 ^ + ®- $ 2 300 + ®- $ 8 700 Adjusted Sale Price of Com ambles Net Adj. 5.2 % Gross Ad'. 9.9 % $ 40 270 Net Adj. 5.4 % Gross Ad~. 5.4 % $ 40 200 Net Adj. 20.7 % Grass Ad'. 20.7 % $ 33 300 _ I did did not research the sale or transfer histo of the subject roe and com arable sales. tt not, ex lain 6-30-08 FOR $ 37 500 M research ®did did not reveal an riot sales or transfers of the subject roe for the three ears riot to the effective date of this a sisal. Data Sources 6-30-08 FOR $ 37 500 M research did ®did trot reveal an riot sales or transfers of the com arable sales far the ear riot to the date of sale of the com arable sale. Data Sources TAX ASSMT. / CT. HOUSE Re od the results of the research and ana sis of the riot sale or transfer histo of the sub ect roe and com arable sales re od additional riot sales on a e 3 . ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3 Date of Prior Sale/Transfer 6-30-08 NO SALE WITHIN 3 YRS. NO SALE W ITHIN 3 YRS. NO SALE WITHIN 3 YRS. Price of Prior Sale/Transfer $ 37 500 Data Sources TAX ASSMT. / CT. HOUSE TAX ASSMT. / CT. HOUSE TAX ASSMT. / CT. HOUSE TAX ASSMT. / CT. HOUSE Effective Date of Data Sources 7-30-10 PENDING SALE Ana sis of riot sale or transfer histo of the sub~ect ro ert and com arable sales PRIOR SALES WITHIN THE LAST 3 YEARS SUBJECT 6-30-08 FOR $ 37 500 Summa of Sales Com orison A roach THE COST APPROACH GENERALLY SETS THE UPPER LIMIT OF VALUE AS IT CONSIDERS REPRODUCTION COSTS. THE MARKET ANALYSIS IS THE MOST INDICATIVE APPROACH AS R CONSIDERS OTHER SIMILAR SALES IN THE MARKET AREA. THIS APPROACH IS GENERALLY THE MOST RELIABLE. THE INCOME APPROACH IS NOT CONSIDERED NOR APPROPRIATE S/F RESIDENCE . Indicated Value b Sales Com orison A roach $ 40 200 Indicated Value b :Sales Com rlson A roach S 40 200 Cost A roach (if develo ed) S 40 a66 Income A roach (if develo d) S N/A - This appraisal is made ®"as is", ^ subject fo wmpletion per plans and specifications on the basis of a hypothetical condition that the improvemerds have been completed, ^ subject to the fallowing repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or ^ subject to the • fcllowin re wired ins ection based on the extraordina assum Lion that the condition or deficienc does not re wire alteration or re air: Based on a complete visual insppection of the interior and exterior areas of the subject property, defined scope of work, statement of assumptions and limiting conditions, and appraiser's cerfiflcatlon, my (our) opinion of the market value, as defined, of fhe real property that is the subject of this report is S 40,200 as of JULY 30 2010 which is the date of Ins action and the effective date of this a sisal. Freddie Mac Forrn 70 March 2005 Page 2 of 6 Fannie Mae form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE PRIVATE/CONFID. Uniform Residential Appraisal Report FIIeN STRAW FAMILY TRUST ' SEE ADDENDUM CO§T APPFtOACHTO VALUE not ulred b •Psnnie Mae) Provide ode uate information for the lender/client to re licate the bebw cost fi ures and calculations. Su art for the o inion of site value summa of com arable land sales or other methods for estimatin site value 'NOTE - DUE TO A LACK OF RECENT SIMILAR SIZED TRACTS THE APPRAISER UTILIZES HIS KNOWLEDGE AND EXPERIENCE IN THE SUBJECT MARKET BY ESTIMATING THE VALUE OF THE SUBJECT TRACT ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SfTE VALUE ...................... _$ 9 900 Source of cost data MARSHALL-SWIFT RESID. COST HANDBOOK DWELLING 1 192 S .Ft. @ $ 35.65 ........ ..... _$ 42 495 Quali ratio from cost service GOOD Effective date of cost data 11-08 526 S .Ft. @ $ 7.30 ....._ ___. _$ 3840 - Comments on Cost A roach ross livin area calculations, de reciation, etc. THE REPRODUCTION COST APPROACH IS DERIVED FROM STOOP CS POR. /BALCONY Gara e/Ca art S .Ft. $ _$ 2 990 _$ DATA IN THE MARSHALL-SWIFT RESID. COST HANDBOOK GOOD QUALITY 2.5 STY. END ROW Total Estimate of Cost-New Less Ph sical Functional External _$ 49 325 De reciation 20 554 =$ 20 554 D reciated Cost of Inv rovements .__............_.._ ...................._ ...._. _$ 28 771 HUD/FHANA PROPERTY STANDARDS ARE NOT APPLICABLE 'As-is' Value of Site Inv rovements .._ ..............._._........_.._...... ....... _$ 1 795 TO THIS REQUEST. Estimated Remainin Economic Lite HUD and VA onl 45-50 Years INCOMEAPP,ROACHsTOYAL'U INDICATED VALUE BY COST APPROACH ...................................... E(not., `"ulredti' FannfeMae) ....... =S 40 466 Estimated Monihl Market Rent $ NIA X Gross Rent Multi lier NIA = $ N/A Indicated Value b Income A roach Summa of Income A roach includin su on for market rent and GRM N/A PROJECT INFORMATIOMFOR PUDa (if' Ilcable) Is the develo er/builder in control of the Homeowners' Association HOA ? ^ Yes ^ No Unit e s ^ Detached ^ Attached Provide the followin information for PUDs ONLY if the develo er/builder is in control of the HOA and the sub'ect roe is an attached dwellin unit. Le al Name of Pro'ect N/A Total number of hoses N/A Total number of units N/A Total number of units sold N/A Total number of units rented NIA Total number of units for sale N/A Data sources N/A - Was the ro'ect created b the conversion of existin buildin s irdo a PUD? Yes No If Yes, date of conversion. N/A Does the ro ect cordain an multi-0wetlin units? Yes No Data Source NIA Are the units, common elemens, and recreation facilities com lete? Yes No If No, describe the status of com lelion. N/A Are the common elements leased to orb the Homeowners' Association? ^ Yes ^ No tt Yes, describe the rerrtal terms and o bons. N/A Describe common elements and recreational facilities. N/A Freddie Mac Form 70 March 2005 Page 3 of 6 Fannie Mae Form t uu4 Marcn 2uu~ Form 1004 - "TOTAL for Windows" appraisal software by a la made, inc. - i-800-ALAMODE Fil N . TRAW FAMI TR T P # ooivnroirnn~nn Uniform Residential Appraisal Report Flle# STRAW FAMILY TRUST This report form is designed to report an appraisal tlf a one-unit property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Mod'rfications or deletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certrfications. The appraiser must, at a minimum: (1) perform a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a spec'rfied date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. "Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be performed in a professional manner. Freddie Mac Form 70 March 2005 Page 4 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE Fil N . TRAW FAMIL TR T Pa #1 PRIVATE/CONFID. Uniform Residential Appraisal Report Flle# STRAW FAMILY TRUST APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I performed this appraisal in accordance with the requirements of the Un'rform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any current agreement far sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and experience in appraising this type of property in this market area. 12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in pertorming this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a predetermined specific value, a predetermined mmtmum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the pertormance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualified to pertorm the tasks. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Freddie Mac Form 70 March 2005 Page 5 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Fil N .STRAW FAMILYTR T Pa #11 ooninrcirnninn Uniform Residential Appraisal Report FIIeAr STRAW FAMILY TRUST 21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; govemment sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions,of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, govemment sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature,' as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER Signature~.~r-:.F dc. ~~iLCi~~~ Name P TRICK A. McCARTHY Company Name McCARTHY ASSOCIATES Company Address 83 KELLY DRIVE CARLISLE PA. 17013 Telephone Number {7171796-9770 Email Address mccarthyassociates(cilcomcast.net Date of Signature and Report August 16 2010 Effective Date of Appraisal JULY 30.2010 State Certification # RL 001155 L or State License # or Other (describe) State # State PA. Expiration Date of Certification or License 6-30-11 ADDRESS OF PROPERTY APPRAISED 21 BALM STREET HARRISBURG. PA. 17103-2217 APPRAISED VALUE OF SUBJECT PROPERTY $ 40.200 LENDER/CLIENT Name Company Name SHOOK BRYAN W.. ESQUIRE Company AddreSS 2132 MARKET STREET CAMP HILL , PA. Email Address SUPERVISORY APPRAISER (ONLY IF REOUtRED) Signature Name Company Name Company Address Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License SUBJECT PROPERTY ^ Did not inspect subject property ^ Did inspect exterior of subject property from street Date of Inspection ^ Did inspect interior and exterior of subject property Date of Inspection COMPARABLE SALES ^ Did not inspect exterior of comparable sales from street ^ Did inspect exterior of comparable sales from street Date of Inspection Freddie Mac Form 70 March 2005 Page 6 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Fil N . TRAW FAMIL TR T Pa #12 SUPPLEMENTAL ADDENDUM File No. STRAW FAMILYTRU: Borrower Client N/A Pro a Address 21 BALM STREET Ci HARRISBURG Cou DAUPHIN State PA. Zi Code 17103-2217 Lentler SHOOK BRYAN W. ESQUIRE ALL COMPARABLE SALES ARE CLOSED SALES. THOSE PROVIDED ARE THE MOST INDICATIVE SALES IN THE EXISTING SUBJECT MARKETPLACE, AND EACH ARE EXCELLENT INDICATORS OF VALUE. ADJUSTMENTS WERE MADE TO REFLECT THE MARKET REACTIONS TO THOSE ITEMS OF SIGNIFICANT VALUATION DIFFERENCE BETWEEN THE SUBJECT, AND THOSE COMPARABLES PROVIDED. THE COMPARABLES OVER 6 MONTHS OLD IN SALES DATE WERE CONSIDERED DUE TO THEIR LIKE STYLE, SIMILAR AMENITIES, VINTAGE, CONDITION, SITE SIZE, AS W ELL AS THEIR NEARBY PROXIMITY TO THE SUBJECT. OTHER MORE RECENT SALES WERE CONSIDERED BUT WERE NOT DEEMED TO BE AS APPROPRIATE AS THOSE PROVIDED. A COST FACTOR OF $ 8.00 PER SQUARE FOOT IS IMPLEMENTED AS A CONSISTENCY W ITH THE MARKET REACTION TO SUCH A DIFFERENCE, RATHER THAN A STRAIGHT LINE, COST BASIS ADJUSTMENT, W HICH WOULD OBVIOUSLY, BE SIGNIFICANTLY HIGHER. COMPARABLE # 2 IS LOCATED IN EXCESS OF ONE MILE, FROM THE SUBJECT PROPERTY. THIS IS OWING IN PART TO THOSE ITEMS NOTED ABOVE CONCERNING THE RELATIVE SCARCITY OF RECENT HOME SALES, AS WELL AS TYPICAL DEMOGRAPHIC PROGRESS, AND THE INCREASED AVAILABILITY OF OTHER MORE RECENT SALES WITHIN THE ONE MILE RADIUS, WHICH IS NORMALLY SUGGESTED BY GENERAL FNMA UNDERWRITING GUIDELINES. REPORT/TEXT: PRESCRIBED BY THE UNIFORM STANDARDS OF APPRAISAL PRACTICE (USPAP), AS ISSUED BY THE APPRAISAL STANDARDS BOARD, THIS REPORT IS CONSIDERED TO BE A COMPLETE SUMMARY REPORT. THERE MAY BE DIGITAL SIGNATURES USED IN THIS APPRAISAL REPORT. THEY ARE ACTUAWALID. USER: THE INTENDED SOLE USE OF THIS APPRAISAL REPORT IS EXCLUSIVELY FOR THE LENDERICLIENT, AS NOTED ON THE COVER PAGE, OR PAGE ONE OF THE TEXT FORMAT, INTERNAL. IT IS CONFIDENTIAL IN NATURE, AND NOT INTENDED FOR ANY OTHER USE THAN THE LENDERICLIENT, NOTED HEREIN. APPRAISER: THE APPRAISER HAS COMPLETED HIS 2-YEAR CONTINUING EDUCATION REQUIREMENTS, FOR THAT CERTIFICATION LICENSING CYCLE, WHICH IS MANDATED BY THE COMMONWEALTH OF PA., AND SUBSEQUENT PA. REAL ESTATE APPRAISAL BOARD. PERSONAL PROPERTY: NO PERSONAL PROPERTY, OR FIXTURE INTANGIBLES WERE CONSIDERED IN THE VALUATION PROCESS, UNLESS OTHERWISE NOTED. Farm SUP -'TOTAL for Windows° appraisal software by a la mode, inc. -1-800-ALAMODE File N . TRAW FAMILYTR T P #1 Building Sketch (Page - 1) Bonower Client N/A Pro ert Address 21 BALM STREET Ci HARRISBURG Cou DAUPHIN State PA. Zi Code 17103-2217 Lender SHOOK BRYAN W. ESQUIRE 'sw~aio-. ~ryM1. Comments: AREA CALCULATIONS SUMMARY LIVING AREA BREAKD OWN n Size ti d i Net Totals Breakdown S ubtotals p o escr Code GLAl Firet Floor 526.00 526.00 Firat Floox GLA2 Second Floor 526.00 526.00 14.0 x 26.0 364.00 GLA3 Third Floor 140.00 140.00 9.0 x 18.0 162.00 p/p Porch 90.00 Second Floor 00 108 14.0 x 26.0 364.00 . porch 00 90 288.00 9.0 x 18.0 162.00 . porch Third Floor 10.0 x 14.0 140.00 Total (rounded) ti l l C 1192 TOTAL LIVABLE (rounded) 1192 ons cu a a 5 Farm SKT.BIdSkI - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE Fil N . TRAW FAMILYTR T P #14 Location Map Borrower Client N/A Pro ert Address 21 BALM STREET Ci HARRISBURG Cou DAUPHIN State PA. L Code 17103-2217 Lender SHOOK BRYAN W. ESQUIRE i, "' '~`- II' o 1 s67dY 6CI@r tet6tdelY ~ i ! ¢ ~ - N s~s~$ o - ~ia,uNepu Gam+++, c.~eP ~ ~ 'ems' P' Maw '.,. FIn ~ rnx :d~Y[te_ •. t & ~' ~_ _.~._~ __ .. __. x.5.38.. - i ~siM -. .Ryan ~ ~ ~ ~ ~'.~, ~~ _. _- - g '~4 ~aq,., ~ra"..e°°, R c ._ may, ~,cn¢;F~~'" .! / -~4S _ ! z'. ixumon as - $ 1 ~ a ~ ;' " ~' ~RQ ,yp s +. _.... ~L,ors ~i `~y ~y q ro ~~ t = s y, q~ ~4"" U a a i 4- ~ $ ~ b '• i 3~ irk r _ _,., ~ ~ ~ _ - __ n l " a ~ a. ._ a .3 0. 1 ~ ~b ~yq~me 91 ~ -. ,a ~ ~d,~ 0.-i ,rte. ~ - t H `~, ~_ ~~ '4 S'.~ ~ ,+~ay voa ' .^l[Te` ':9 N G~ St:. ~ FMyOM'S~ 8~ :~ .N~y *"~ a i @@~ A' e~~e s~ ~ ~ .ate roe,' AG y` P ^F Sc -9W R' ~0~ '~'$ ~~ ii ~Ry 5~ - ~~ ~y : r Y. m ~a s~~i Z A ~ ~.~ f~ d%~g _ ~. s a,0. r 4`? ~ x , te'e' ~'s+ 'G *~ ~ ~ a. ems'` , -~a~ ~~. R` `e +~ ~ a' ~ ~~ z eo.,m ~ tmxs '°",-sr''en., cn.;. s a a1 c ~4 '~~ ~b .y ~~l et 3 vK°`' rr ane>yr t~ Q. _°"'mb ~~, ~ ~° p„~~ ~'~ e w ~F,. e g. yea d ~"' `~' v s a ~, ~ ~ ~ ,S ,~ ~: ~ s s ~ ~ , P~" ,>~~ 'b, ,P 'fin./, i ~ "~ ~ ~ ~,,, ~`~ ~ i ~ ~~ty-c e.'°`~5~~~~~~ 'g 5 ~b ~ N ,~~Y, ``°N.~., ~_r~ ` ac~9 ` ~ rd' ~~ ~ ~wn.*~so`mp ~ ~.. ~ ~,;~ ~° , ; {~~ ~ ~, os ~ pro; se. ~bwy s r'~ 9y . ~,~ P odp9 ~, ` gy n ~4y [ ]»~ Tn°'ya,+5 _.'K y yk w'~ ~ ~ f°~° ~~. ss,~ ~ ~yv~ ~d ~l S,d° 5 ~`'" ~ "~ ~ w - , _ ~. yya7 s,N,~'°~ e ,~ cr,~~`"° ~. : % g w _ ,,~ g ~ - ~.-~c ~~ t~,~ `l4 ~~'s.~ ~ ~ ~°~~°~ ~~ mss' ~-~' y ~ a ; m u'+ y ~ ~y< 3 ~ ~ i ~ _~~ ~ ti. ~W u' ~~ a k - l ~ ip ' ~ db~~ • k ~ ,,,n,wr ..... ..,. ' ~` e `A~ ~ \ .. ~ _ '• ' ~„ s` , to v y _ ;S C i ~ 3T ~ ~i _ 4 y -. k _ 2 fin" { \ r_ Y F' ' ',± ~ r lg 4 a. • C ~ ~'~ c j`' ~ ~ cs~ ey r ~, wwmmo--< f r ~ ~~,-Y'i's~'^r q+y _-.~~~ ~'~ `~ sv~g `. ~~5t 't~ ' r ,, Si y ~ti 4 1'` "'•'ws F ' ~ C ~',: ~ ~ y, ~ a I s ~. r ~ ; 9~ 9 R R ,~ .fy'~,' y2`. 1 ~~ P ~~~~ ~ ~: ri iyt St S $ .. u ~ 'mil :. ? _A~ :-;~w9 ~ .gff \'. :-V ~ _\,. ._ d' R Gnats 1'.~ 4~ `: -~ Form MAP.LOC - "TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE File No. STRAW FAMILY TR ST P #1 Subject Photo Page Borrower Client N/A Pra ert Address 21 BALM STREET Ci HARRISBURG Cou DAUPHIN State PA. Zi Code 17103-2217 Lender SHOOK BRYAN W. ESQUIRE Subject Front 21 BALM STREET Sales Price N/A Gross Living Area 1,192 Total Rooms 7 Total Bedrooms 4 Total Bathrooms 1 Location URBAN View PLEASANT Site 1,110 S.F. Quality AVERAGE Age 110+/- Subject Rear Subject Street Form PIC3x5.SR -'TOTAL far Windows° appraisal software by a la mode, inc. - 1-800-ALAMODE Fil No. STRAW FAMILYTR T P #1 PHOTOGRAPH ADDENDUM Borrower Client NIA Pro a Address 21 BALM STREET Ci HARRISBURG Cou DAUPHIN State PA. L Code 17103-2217 Lender SHOOK BRYAN W. ESQUIRE Form GPIC3X5 - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE Form GPIC8X5 - "TOTAL for Windows' appraisal software by a la mode, inc. - f -800-ALAMODE Fil N . AW FAMILYTR T Pa e #17 PHOTOGRAPH Ao~ENnuiu PHOTOGRAPH ADDENDUM File N . TRAW FAMILYTR T Pa #1 Borrower Client N/A Pro ert Address 2t BALM STREET Ci HARRISBURG Cou DAUPHIN State PA. L Code 17103-2217 Lender SHOOK BRYAN W. ESQUIRE Form GPIC3X5 - °TOTAL for Windows° appraisal software by a la mode, inc. -1-800-ALAMODE Comparable Photo Page Fil N . TRAWF MILYTR T Pa #19 Borrower Client N/A Pro ert Address 21 BALM STREET Ci HARRISBURG Cou DAUPHIN State PA. li Code 17103-2217 Lender SHOOK BRYAN W. ESQUIRE Comparable 1 1934 BELLEVUE ROAD Prox. to Subject 0.65 miles Sale Price 42,470 Gross Living Area 1,598 Total Roams 6 Total Bedrooms 3 Total Bathrooms 1 Location URBAN /SIM. Vew SIMILAR Site 1,742 S.F. Quality SIMILAR Age 110+/- Comparable 2 926 NORWOOD STREET Prox. to Subject 1.05 miles Sale Price 42,500 Gross Living Area 1,412 Total Rooms 7 Total Bedrooms 4 Total Bathrooms 1 Location URBAN /SIM. Vew SIMILAR Site 2,178 S.F. Quality SIMILAR Age 102 +/- PENDING SALE Comparable 3 25 S. 17TH. STREET Prox. to Subject 0.39 miles Sale Price 42,000 Gross Living Area 1,848 Total Rooms 8 Total Bedrooms 5 Total Bathrooms 2 Location URBAN /SIM. View SIMILAR Site 1,742 S.F. Quality SIMILAR Age 110+/- Form PIC3x5.CR -'TOTAL for Windows' appraisal software by a la mode, inc. - 1-8IXl-ALAMODE Legal Desc. Fil N . TRAW FAMILY TR T P e #2 Borrower Client N!A Pro err Address 21 BALM STREET Ci HARRISBURG Cou DAUPHIN State PA. li Code 17103-2217 Lender SHOOK BRYAN W. ESQUIRE INST'4: 20080029764 Recorded: 06!30/2008 at 02:12: d2 Pta 3 PAGE; JAMES M. ZDGAF, RECORDER OF DE£Dti, DAUPFIIN COUNTY, FP.. RECORDED BY DEPIJTY' CLEF ti: BLAUVER This Deed \9adc Ihis:.lth day in Juae, in the year Tw¢ Tbousa~ asd riRbl (20118) BF7'W'EE\ pobson LimitM FamiN Patt¢enhin . of Harrisburg, Dauphin l'~ :nty. F'ennsyls~enia, 'tirttANTOR" hctem AND Let*Fs Straw, of Hartislsnra, Iranphm County, Prnasylvauia, "GRAN'ILI:" herc~i. N'ITVESSETIi, that GRANTOR, for co¢sideratlo¢ oC the swn of 5i?.SOO.IH) lawful money ot'the Linitrd Stasis tvtto (ikANf'OR. welt and truly paid by CiItAN"CFF,: rite rccr rn whereof is hereby xckrwwkdQcd: the said ORANI~OR does hereby gren4 bacga~1 se [, rein.:::, cunecy and cunliml unto GRANTF.p ,Their heirs sad assigns, tlsc pastel, 21 Balm St. In th.: ninth word in Ciry o(Harrisburg, within the Coanry o(Danphin, more fully tksaibed hrrein snnezcd hereto. AND the said bzarttor u'i11 warrant s~eciaily Urc pcopuy hcrcio cnm~cyc.:. ALL THAT CF1t1'A!N piste nr parcel of land siNatn in Use NinUt [yard, o: du Ciry, of Hamshtrrg, Datrphi¢ County, Penasylvama, lNUndcd and desrnlsed as (oiJn:~. ~.:. to :sst: BE(:I tVNINt: a1 o point on the eas7 side of Bahn Stzcct. acid point brrtsg 1h. norrhaau comer of Balm Street and a I Q Coot wide alley; Iherce norUrwanlJy a k+ng th- astern line of laid Balm Street, 14 fco[ and 8 tnehes rmre rn la: to the sowhcm lint u( propeM now nr late of David Fleming, l3sgoire; Ihe¢ce east ardly along the line o(tlm pr~ ncrty of Unr late David FJemirse, parnUcl with acid 10 Toot uyrk alley, 75 feet. mnrc or k:.-:. to a privrte sllevwa}; thrnca sotrthwardly ala¢g laid pnvate alleyway, 14 leer ar I S htches nsurc a less to Ace norUtrrn Imt of a JO foot widt atky anal U>ence wcstwar~+..along the nurtftern line of said 10 fi+ot wide alley, 75 (ed rrm¢ or less m Balm Street ~ lie place of BBGI~'II<G. Wbirb boa t-a addrtss of jl Bdm Slrttt Harrah ~ P1 VI03 (hetru'Propr->Addreu'} NAVI(YG P.REL'I'Y.D'I llI!iL1:1H a 2-If1 story frame dwelling homy know ~ ~ as 2 t Balm Stree~ It being part oClnu lad aut by Charles L. Bailey and Uavid [•.lwrutc~. srd winch 1 ___ Seal? rni i SE1 36< 543 Form MAP.LOC - "TOTAL for Windows° appraisal software by a la made, inc. - 1-800-ALAMODE Legal Desc. Fil N . T1iAWFAMILYTR T Pa #21 Borrower CIieM N/A Pro ert Address 21 BALM STREET Ci HARRISBURG Cou DAUPHIN State PA. Zi Code 17103-2217 Lender SHOOK BRYAN W. ESQUIRE INS^~L7~SENT ~~ 200H 002d75J FAC,F. 2 O~ 3 pNn'.s rctiile(1 ill Plan D;~uk A-G3. RE1Nl: the same premier which the ixnxs flanks, by hin deed!bted i.tny [? I[K1G and r: ~xck:d in Uauphiti Courny Ruvldnr to llcaxla uR!ce. uy irtsmnrti~nt " 29U60!'.-2123. ~I+ntev and ::ou. cyod nnM Dobcnn l.irruted Falfufy Putncnbrp, the gnnlrx h: ~ e in. i f///~~, e,, ,/`/~~ ~:=LLY..'?ll.._.. (CFA L) Philip?. ,a1~f'anri)y Tnrv: (Ttu.ee) CUM?1t1NN'EALilt CY1"PPtiNST'LYAVIA SS: CUL~yIr DF DAL"PNIN r~ 5\4'~~11RN TU AND SpH £D On t4s, the ~ y de ^ ~ 'ra;, L.~[a,c me, eVoler. Niol;~, pctseonlly xppm:ed PhtL'p7 U~s~~u, Trus!ee of !h: Philip 7. Uobsdt Partu7y Yrust, General Parmm ur the llobspa Aamily P-.uwerr~!p. a Pennsl'le-enia limited Pxrtnrrsbip vtta DubAn Fatldk Pxrlnnxhip and Dobson 1 :coned F anal! Pan:er;hw ~all1'1 0 t3ltA x.t.9lac~o}' pfDYeT11a 6G the ~.ASJn(r) Ntln4 n*;,~' i5 Suh:r:-hn? ~ thG ronaW my Deed aa~ xk.a~.rkdged that he ereeuled the aal?Fe for the pnTxius tCl Citl m~w,~od. 1\ N'IT`f E'SS HTFI; CM.l bc.:unw u: fwd nJ Offuiul .enl Nc~ ry' PcbliC ~~-'\,.. CQ6W1011VJEALIH VF'-,~NNSYLYANU Ngeda'I'a M Bryat'N. $Ir14t, Noldry FtdlC Cyrtp FIN, L•.Yw, G:rc:~o'M VA Gonr~b' Fly aRFn®On E'+~girex Pkrv. ?7, amo mxmam, PmrrJ.Wdn M1'-:aasaan W Na~f.+ t NfREBY CF.ft'fl Fl' that dx: Nr'riu ad~cu of thv CRAtI'Itil! k: t~~7~ ~zl Qrele~ ~: If'.t lr :.~<< IV e.. C...r ~~..d pA r7D70 Form MAP.LOC - "TOTAL for Windows" appraisal software by a la made, inc. - 1-800-ALAMODE Legal Desc. File N . TRAW FAMILYTR T Pa #2 Borrower Client N/A Pro ert Address 21 BALM STREET Ci HARRISBURG Cou DAUPHIN State PA. Zi Code 17103-2217 Lender SHOOK BRYAN W. ESQUIRE i>,mt`~~i 7AteU}'. ES¢ 'Y1-.'-;rs't t ~. rt. ftm>: ix . i'Deeds r~~ r1 p, Cn.. irtn~m?a a f 1 J M`d' l:unslucr E. t•1wX: M' !H v~ 1 -..f / _ ?!R t ~2r .~ ~ ". ^ ku If T::r I v,t i-: Iv; .v.r nuv Recorder of Deeds u.xnnnnrg. ~ennnyhxnin C:RRTTFii:i) END i'.3 GE WSTI'IJMFfJI >r: 2'70fN1721]rc RCCURD [>ATF prat Jt: a3 :_ t'7 d? GRi PEp7R,GEU tY EU+LS'lit AGEPii: Cl:F1iN.. JUtLA AB, ~RhCi, If.J~. GP?ECT NF Mfi OOD~N UTA(i[G fARllLY PAKrh~ER`3if+ Irmlao.-r RJAA,tE sTw,rr,:, LE~ms AGi 8 ~vF I'?B& i5.G0 CANMOhA1rJ,L'rF UF!'4 3i7i.~ mrlclrrur•r. si s?.so hwRRiseuRC ctrr ::iL~iOCL DL,'iFICI. $t B?ti'D YARP.ISBt;RC w.:tr. gt u.x TFF{7RDAH.F fN'i; F;Nfr F i3 GO RAIG1' IU' r,~.-, ry rM, n,Ynr,ca7c uc ttccroce Lt tb~phin Cr.,rtt. Pmmlw.,a ~~~ ~-~~ ~~~ :;MNR Y.7t1;?Y~. XP:OI1~n!'4~rk': :~. THIS IS A CERTiFTCATION YACJE FLEASE DO NOT DE TA C H THIS hAGE IS NOW PART QF THIS LEGAL llOCU~~TENT Form MAP.LOC - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE Resume Fil No. TRAW FAMILYTR T P #23 Borrower Client N/A Pro a Address 2t BALM STREET Ci HARRISBURG Cou DAUPHIN State PA. L' Code 17103-2217 Lender SHOOK BRYAN W. ESQUIRE McCarthy Associates 83 Kelly Drive Carlisle, PA 17013 Phone: (717) 796-9770 Fax: (717) 79fi-9775 mccarthyassociates@comcast.net Certified Residential Appraiser: Patrick A. McCarthy (RL #001155-L) Entered the Reat Estate profession in 1988, obtaining broker's license in 1992. I have personally conducted over 10,000 appraisals. Approved FHA appraiser. Service to the entire counties of Dauphin, Cumberland, Perry, York, Adams, Lebanon ,Lancaster. Credentials: • American Fraternity of Real Estate Appraisers (Certified Member Residential Appraiser), National Association of Realtors, Pennsylvania Association of Realtors, and the Greater Harrisburg Association of Realtors. • Various specialty courses completed in Real Estate studies and appraisal techniques, including Real Estate Law. Finance Investment, Brokerage and Office Management, Appraisal of Income Producing Properties, Appraisal of Residential Properties, Standards of Professional Practice, Principles of Real Estate Appraising, FHA Re-Certification, and Regression Analysis, as well as the standard biennial continuing education. • Member of Central Penn Multi-List Service, as well as Lebanon- Lancaster County MLS Association (Keystone) and Realtors Assn. of York-Adams County (RAYAC } Errors and Omissions Insurance effective in the amount of $ 2,000,000. Professional References: William Hummel, Chairman Deloris E. Kidd, Loan Originator First National Bank of Marysville AgChoice Farm Credit, FLCA 101 Lincoln Street 3301 W. Market Street Marysville, PA 17053 York, PA 17404 717-957-2196 717-582-3605 Barry Luckenbaugh ,Vice President Kent Patterson, Esquire Orrstown Bank 221 Pine Street Center Square Office Harrisburg, PA 17101 Newport, PA 17074-0009 717-238-4100 717-567-3414 - ~~,ia ~~ iei s6z say Form MAP.LOC - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE Fil No. TRAW FAMILYTAUST Pa e #24 License Borrower Client N/A Pro ert Address 21 BALM STREET Ci HARRISBURG Cou DAUPHIN State PA. Zi Code 17103-2217 Lender SHOOK BRYAN W. ESQUIRE ^ f:BT+M)n1Y[atlN UI' PN11\Y\IYn1110 Ocpan mint a(SratC nur.auof Pnlfesslonal :rn,l OnupatWnal inaln Cenificd Residential Appraissr CrrtlUcate tiunmrr k:xpintian Dmr RL001t55L 05/300011 Rcgi:tratlon CedC (,-¢rlificatc Slatlu 1581:646 ~ AdNe PATRICK ANDREW MCCARTHY 83 KELLY DRNE CARLISLE PA 17015 PATRICK ANDREW R4CCARTHY 63 KELLY DRIVE CARLISLE FA 17075 ^ ~ 531 C3~F~ICIAL DQG~JMENT r.rFr. r.~r r~l:.acw =.:..-.-~_ ..-. I c.a,., ,,_~+ cnnanlanG-- ~ ~ • ~u urr-,rx. - -,n n-.r n~a:-: - >aeFE ou:,rl+.+Ee. ~. 'RFC' . n,! .a1 .. ,^I 1 AI L ~t [•_14.;4U': Y.r:. Regi ,tration Code Ynur rogiskranon cn^c +:; `nund uh the at4:chOd wallOt czrd: Usa tl715 rogistrarion ~:ude dnlinr, to: r=naw your 6rense, change }'uur ;.ur~0'~.'~.'~. ur license ~QufCSS, or OrdEr duplicate licerlees. Visit our wobr,-!~a aL ~_-:: vr_mvlilxnsoscataua_us Flrs[ LlnlD LISEr^, will `-: rC17Ulr~r1 t.~ p$e th15 reglSirano0 cove to create a user ~:~ ;,nd pastt+mrd_ Commonwealth t-f Pennsylvania Q $ ~ 57 4 ~ ~ 9 Dep~rtmcnk uf'St~tc Bureau of Prof~nrrynal andt_i~~y~ationai Affairs P9 [3ox 299 llarrisburo 3'~=1~7df1:>_2fi~t4 .., ~ Certiliratr'i't'Pr Certified Residantlai Appraiser - PATR7CHAHDREW tr4CCARTHY Cenilicate e3 KELLY DRNE NDni1if. .CARLISLE PA 17e15 FtL001155L 1 r~ ~~~~ ~:OL. ~'- i,~~ f•".Y ('ulrnlis~iuncr of?rofr;>wnul unS ficcvnu:~m~l:Vrulr~ V~:Y,a CCl•[1~CAIC $[AhIS Active (nittal Certification i)ate 08/0511992 .Expiration Date 06!30!2011 _. -.. _.::__t Scale rnl '` tel ~E~ s4~ Form MAP.LOC - "TOTAL far Wintlows° appraisal software by a la mode, inc. - t-800-ALAMODE File No. TRAW FAMI Y TR T a #2 Market Conditions Addendum to the A raisal Re ort PRIVATE/CONFID. pP p file No. STRAW FAMILY TRUST ~~ • ••- -• --- -• •• ••~ ~~~~~~~~~~~ ~~ ~~ ,,,„•,~~ .~~~ ~~~~~~~,~~~~~~~ w.... a aeai anu acwiare unoersramm~g or the mancet trends and conditions prevalent in the subject net hborhood. This is a re wired addendum for all a raisal re orts with an effective date on or after A riI 1, 2009. Pro ert Address 21 BALM STREET Ci HARRISBURG State PA. ZIP Code 17103-2217 Borrower N/A Instructions: The appraiser must use the information required on this form as the basis far his/her conclusions, and must provide support for those conclusions, regarding housing trends and overall market condtions as reported in the Neighborhood section of the appraisal report form. The appraiser must fill in all the information to the extent it is available and reliable and must provide anaysis as indicated below. ff any required data is unavailable or is considered unreliable, the appraiser must provide an explanation. It is recognized that not all data sources will be able to provide data for the shaded areas below; if it is available, however, the appraiser must include the data in the analysis. If data sources provide the required information as an average instead of the median, the appraiser should report the available figure and identify d as an average. Sales and listings must be properties that compete with the subject property, determined by apptying the criteria that would be used by a prospective buyer of the subject pro erty. The a raiser must lain any anomalies in the data, such as seasonal markets, new construction, foreclosures, etc. Inventory Ana sis Prior 7-12 Months Prior 4-6 Months Current - 3 Months Total # of Com arable Sales Settled 1 0 2 Absorption Rate otal Sales/Months 0.17 0 0.67 Total # of Com arable Active Listin s 1 1 0 Months df Housin Su I otai Listin slAb.Rate 5.9 0 0 Median Sale & L(st Prke, DOM, Sele/Llst % Prior 7-12 Months Prior 4~ Marrths Current - 3 Months Median Com arable Sale Price 42 470 0 42 250 Median Com rable Sales Da s on Market 9 0 228 Median Com arable List Price 42,570 0 43,700 Median Com arable Listings Da s on Market 223 112 0 Median Sale Price as % of List Price 99.77 0 96.68 ~, Seller- develo er, builder, etc. aid financial assistance revalent? ®Yes ^ No 6cplain in detail the seller concessions trends for the past 12 months (e.g., seller contributions increased from 3% to 5%, increasin ' fees, o bons, etc.. SALES CONCESSIONS TYPICALLY AVERAGE APPROXIMATELY 2 %. SALE Overall Trend Increasin Stable Declinin ^ Increasing ®Stable ^ Declining Declinin Stable Increasi ^ Declini ®Stable ^ Increasi Overall Trend ^Increasin ®Stable ^Declinin ^Declinin ®Stable ^ Increasing ^ Increasi ~ Stable ^Declinin ^ Declini ~ Stable ^dhcreasi ^ Increasing ®Stable ^Declinin ^Declinin ®Stable ^Increasin g use of buydowns, closing costs, condo S CONCESSIONS HAVE NOT NECESSARILY INCREASED BUT REMAIN A PREVALENT OPTION IN RETAIL REAL ESTATE. THEY ARE USUALLY IMPLEMENTED WITH AN INCREASED CONTRACT PRICE TO OFFSET THOSE INHERENT CONCESSIONS. • Are foreclosure sales REO sales a factor in the market? ®Yes ^ No If es, lain includin the trends in listin s and sales of foreclosed ro erties . AN INCREASED NUMBER OF REO/FORECLOSED PROPERTYS HAVE ENTERED THE MARKETPLACE. THEY CONTINUE TO SELL AT FAIRLY CLOSE TO THE LISTING PRICE WITH THE AFOREMENTIONED SALES CONCESSIONS ALWAYS A REMAINING POSSIBILITY. Cite data sources for above information. CENTRAL PENN MLS PATRIOT NEWS COUNTY COURT HOUSE. Summarize the above information as support for your conclusions in the Neighborhood section of the appraisal report form. ff you used any additional iMormation, such as an ana sis of endin sales and/or ex 'red and withdrawn listin s, to formulate our conclusions, rovide bath an lanation and su ort for our conclusions. DAUPHIN COUNTY IN GENERAL HAS REMAINED A STABLE SALES ENVIRONMENT , IN THE CENTRAL PA. REGION DESPITE CONCERNS IN NEIGHBORING COUNTYS TO THE SOUTH AND EAST. AND EVEN MORE SIGNIFICANT MARKET CONCERNS ABROAD. THE APPRAISER DOES CONTEND THAT THERE IS AN OVER-SUPPLY OF CURRENT LISTINGS IN THE GENERAL MARKETPLACE ALSO IMPACTING NEGATIVELY THE CURRENT ABSORPTION RATE AND LONGER GENERAL DAYS ON MARKET. ff the subject Ls a unk kr a condominium a cooperative protect ,complete the tolbwing: N/A Project Name: N/A Subject Project Data Prior 7-12 Months Prior 4-& Months Currern - 3 Months Overall Trend Total # of Com arable Sales Settled Abso lion Rate otal Sales/Months Total # of Active Com arable Listi s Months of Unit Su I alai Listin s/Ab.Rate Are forecosure sales (REO sales) a factor in the proj foreclosed ro erties. Increasin Stable Declinin ^Increasin ^Stable ^Declinin ^Declinin ^`Stable ^ Increasi Declinin Statile Increasin ect? Yes Na ff yes, indicate the number of REO listings and explain the trends in listings and sales of . Summarize the above trends and address the im act on the sub ect unit and ro ect. Si nature Si nature • A raiser ame PATRICK A. McCAR HY Su erviso A raiser Name Cam an Name McCARTHY ASSOCIATES Com an Name Com an Address 83 KELLY DRNE CARLISLE PA. 17013 Coma Address State License/Certification # RL 001155 L State PA. State License/Certification # State Email Address mccarthyassociates@comcast.net Email Address iw~ia rv~ec ruin ~ ~ marcn cuua rage 7 of 1 Fannie Mae Form 1004MC March 2009 Form 1004MC2 - "TOTAL far Windows° appraisal software by a la made, inc. - 1-800-ALAMODE Fil N . TRAW FAMILY TR T Pa #2 APPRAISAL OF REAL PROPERTY LOCATED AT 1216 BAILEY STREET HARRISBURG, PA. 17103-2241 INSTRUMENT # 20090007650 MSA # 42043 FOR SHOOK ,BRYAN W. ESQUIRE 2132 MARKET STREET CAMP HILL , PA. 17011 OPINION OF VALUE 29, 500 AS OF JULY 30 , 2010 BY PATRICK A. McCARTHY McCARTHY ASSOCIATES (717)796-9770 mccarthyassociates@comcast.vet Form GA1V-'TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Fil No. TRAW FAMILY TR T Pa #3 JULY 30 , 2010 SHOOK ,BRYAN W. ESQUIRE 2132 MARKET STREET CAMP HILL , PA. 17011 Re: Property: 1216 BAILEY STREET HARRISBURG, PA. 17103-2241 Borrower: N/A File No.: In accordance wRh your request, we have appraised the above referenced property. The report of that appraisal is attached. The purpose of this appraisal is to estimate the market value of the property described in this appraisal report, as improved, in unencumbered fee simple title of ownership. This report is based on a physical analysis of the site and improvements, a bcational analysis of the neighborhood and city, and an economic analysis of the market for properties such as the subject. The appraisal was developed and the report was prepared in accordance with the Uniform Standards of Professional Appraisal Practice. The value conclusions reported are as of the effective date stated in the body of the report and contingent upon the cert~cation and limiting conditions attached. It has been a pleasure to assist you. Please do not hesitate to contact me or any of my staff iF we can be of additional service to you. Sincerely, /'/ztr,-,rte ~~ iS.CiZ l PATRICK A. McCARTHY McCarthy Associates Fil N . TRAW FAMI Y TR T P #4 Borrower N/A File No. STRAW FAMILY TRU: Pro ert Address 1216 BAILEY STREET Ci HARRISBURG Cou DAUPHIN State PA. L Code 17103-2241 Lender Client SHOOK, BRYAN W. ESQUIRE APPRAISAL AND REPORT IDENTIFICATION This Appraisal Report is ~ of the following types: ^ Self Contained (A written report prepared under Standards Rule 2-2(a) , persuant to the Scope of Work, as disclosed elsewhere in this report.) ®Summary (A written report prepared under Standards Rule 2-2(b) ,persuant to the Scope of Work, as disclosed elsewhere in this report.) ^ Restrloted Use (A written report prepared under Standards Rule 2-2~c) , persuant to the Scope of Work, as disclosed elsewhere in this report, restricted to the stated intended use by the specified client or intended user.) Comments on Standards Rule 2-3 I certify that, to the best of my knowledge and belief: • The statements of fact contained in this report are true and correct. The reported anatyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. • I have no (or the specified) present or prospective interest in the property that is the subject of this report and no (or the specified) personal imerest with respect to the parties involved. • I have no bias with respect to the property that is the subject of this report or the parties involved with this assignment. My engagement in this assignment was not contingent upon developing or reporting predetermined resuAs. • My compensation for completing this assignment is not contingent upon the devebpment or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. • My analyses, opinions and conclusions were developed and this report has been prepared, inconformity with the Uniform Standards of Professional Appraisal Practice. • I have (or have not) made a personal inspection of tf~e property that is the subject of this report. • No one provided significant real property appraisal assistance to the person signing this certification. (If there are exceptions, the name of each individual providing significant real property appraisal assistance is stated elsewhere in this report.) Comments on Appraisal and Report Identification Note any USPAP related issues requiring disclosure and any State mandated requirements: THE INTENDED USER IS THE LENDER/CLIENT OF TNIS REPORT. THE REPORT IS IMPLEMENTED FOR LOAN SERVICING AND IS NOTED HEREIN. APPRAISER: SUPERVISORY APPRAISER (only If required): Signaure: ~~~ `r'' ~ Signature: Name: PATRICK A. McCARTHY Name: Date Signed: August 04, 2010 Date Signed: State Certification #: RL 001155 L State Certification #: or State License #: or State License #: State: PA. State: Expiration Date of Certification or License: 6-30-11 F~iration Date of Certification or License: Supervisory Appraiser inspection of Subject Property: Effective Date of Appraisal: JULY 30 , 2010 ^ Did Not ^ Exterior-only from street ^ Intedor and Exterior Form ID06-'TOTAL for Windows" appraisal software by a la made, inc. -1-800-ALAMODE (File No. STRAW FAMILY TRU T Paae #5 SUMMARY OF SALIENT FEATURES Subject Address 1216 BAILEY STREET Legal Description INSTRUMENT # 20090007650 MSA # 42043 City HARRISBURG County DAUPHIN State PA. Zip Code 17103-2241 Census Tract 0212.00 Map Reference ADC 11 , A-8 Sale Price $ N/A - Date of Sale N/A Borrower N/A lender/Client SHOOK ,BRYAN W. ESQUIRE Size (Square Feet) 912 Price per Square Foot $ 32.35 Location URBAN Age 100 +/- Condition AVG. /GOOD Total Rooms 5 Bedrooms 3 Baths 1 Appraiser PATRICK A. McCARTHY Date of Appraised Value JULY 30 , 2010 Opinion of Value $ 29,500 Form SSD2 - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE McCarthy Associates Fil N . THAW FAMILY TR T Pa #6 lJnifnrm RPSirilantial Annraical RnnnrF PRIVATE/CONFID. - ------- - -rr----^• •-r..• ~ nieR JIKHVV rHINILY INUSr The ur ose of this summa a raisal re orf is to rovide the lender/client with an accurate, and ode uatel su orted, o inion of the market value of the sub ect roe Pro ert Address 1216 BAILEY STREET Ci HARRISBURG State PA. L Code 17103-2241 Bonower N/A Owner of Public Record STRAW LEWIS A. Cou DAUPHIN Le al Descri tion INSTRUMENT # 20090007650 MSA # 42043 Assessor's Parcel # 09-012-014 Tax Year 2010 R.E. Taxes $ 1 302.48 Nei hborhood Name CITY OF HARRISBURG / 9TH. WARD Ma Reference ADC 11 A-8 Census Tract 0212.00 Occu ant ^ Owner ®Tenartt Vacant S eclat Assessments $ N/A ^ PUD HOA $ N/A ^ er ear er mordh " Pro ert Ri Ms A raised ®Fee Sim le ^ Leasehold ^ Other describe Assi nment T e ^ Purchase Transaction ^ Refinance Transaction ®Other describe TRUST CONSULTATION -PRIVATE VALUATION. Lender/Client SHOOK BRYAN W. ESQUIRE Address 2132 MARKET STREET CAMP HILL PA. 17011 Is the sub ect roe current offered for sale or has it been offered for sale in the iweNe months rior to the effective date of this a raisal? ^Yes ®No Re ort data sources used, offerin rice s and dates . PROPERTY OWNER / MLS I ^ did ®did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the anatysis was not erformed. N/A Contract Price $ NIA Date of Contract N/A is the roe seller the owner of ublic record? ^Yes ^ No Data Source s Is there any financial assistance (loan charges, sale concessions, gift or downpaymeM assistance, etc.) to be paid by any parry on behalf of the borrower? ^Yes ®No If Yes, re ort the total dollar amount and describe the items to be aid. N/A Note: Race and the racial com osition of the nei hborhood are not a raisal factors. Nei htiort~ood Charactedstlcs One=Unit'Housin Trends ` Oee-Unit Housin Preserd Land Use Location Urban ^ Suburban Rural _ Built-U ®Over 75% ^ 25-75% ^ Under 25% Growth ^ Ra id ®Stable Slow Pro Values Increasin Stable ^ Declinin Demand/Su ^ Shorta a ®In Balance ^ Over Su I Marketin Time Under 3 mites 3-6 mites ^ Over 6 mths PRICE AGE $000 rs 5 Low 49 One-Unit 77 % 2-0 Unit 08 % MuIG-Fami 02 % Nei hborhood Boundaries THE SUBJECT IS BOUNDED AT THE NORTH BY STATE STREET WEST BY CAMERON STREET SOUTH BY MARKET STREET EAST BY 17 TH. STREET. 69 Hi h 119 30 Pred. 90+ Commercial 12 % Other 01 % Nei hbarhood Descri bon THIS URBAN NEIGHBORHOOD IS COMPRISED OF SIMILAR PROPERTIES OFFERING COMPARABLE QUALITY STYLE DESIGN AND APPEAL. AVAILABILITY TO MOST MAJOR EMPLOYMENT SECTORS AND RELATIVE CONVENIENCE TO SHOPPING FOOD/RETAIL SCHOOLS PUBLIC -ALL LEVELS AND TO RECREATION AREA GOLFING FISHING/HUNTING . Market Condttions includin su ort for the above conclusions LOCALLY REAL ESTATE MARKET CONDITIONS ARE STABLE AS SALES ACTIVITY IS ON-GOING DESPITE SOME OTHER CONCERNS ABROAD. INTEREST RATES REMAIN LOW AND ECONOMICALLY ATTRACTIVE TO MOST CONSUMERS. DEMAND/SUPPLY IS STABLE AND MARKETING TIME IS ESTIMATED AT 3-6 MONTHS. Dimensions 12.01 X 57.95 Area 696 S.F. Sha e RECTANGULAR View PLEASANT S ecificZoni Classification RESIDENTIAL-1 Zonin Desed fion S/F RESIDENTIAL Zonin Com liance Le al L al Nonconformin Grandfatheved Use No Zonin III al describe Is the hi hest and best use of sub'e~ct roe as im roved or as ro osed er tans ands cificafions the resent use? ®Yes No If No, describe Utilities Public Other (describe) PuMk Other (describe) Off-she Im rovements - T Public Private Electric' ® ^ 100 AMP Water ^ Street MACADAM Gas ® ^ Sanita Sewer ® ^ Alle NONE ^ ^ FEMA S eclat Flood Hazard Area Yes No FEMA Flood Zone C FEMA Ma # 4203800002A FEMA Ma Date 5/2/1977 Are the utilities and off-site im rovements ical for the market area? Yes Na h No, describe Are there an adverse site conditions or external factors easements, encroachmerds, environmental conditions, land uses, etc. ? ^Yes ®No If Yes, describe NO DELETERIOUS CONDITIONS CURRENTLY EXIST. THERE MAY BE EASEMENTS ENCROACHMENTS AND RIGHTS-OF-WAY THAT THE APPRAISER IS UNAWARE OF. FURTHER THE APPRAISER IS NOT PROFESSIONALLY QUALIFIED TO ASSESS MOST ENVIRONMENTAL ISSUES. General Descri fion Units ®One ^ One with Accesso Unit F,ouhdittion ^ Concrete Slab ^ Crawl S ace Exterior,Descr( tforr :materials/conditlon Foundation Walls STONE AVG. Interior materialsLcondition` Floors W D.-W/W AVG. # of Stories 2 FuG Basement Partial Basement Exterior Walls BRICK GD. Walls PLSTR. AVG. T e Det. Att. S-DetJEnd Untt Basemen[ Area 438 s .ft. Roof Surface FLAT B/U AVG. TdrNFnish WOOD AVG. Existin Pro osed Under Const. Desi n S le 2 STY.INSD.ROW Basement Fnish -00- % Outside E /Exit Sum Pum Gutters 8 Downs outs ALUMINUM AVG. Window T e DOUBLE-HNG GD. Bath Floor VINYL AVG. Bath Wainscot PLSTR. AVG. Year Built 1910 +/- Evidence of Infestation Storm SasfVlnsulated ALUMINUM AVG. Car Stora a None Effective Age rs 30 Attic None ^ Dam Heatin ness ^ Settiemertt FWA HWBB Radiant Screens ALUMINUM AVG. Amenities Woodstove s # Drivewa # of Cars Drivewa Surface ^ Dro Stair ^ Stairs Other Fuel GAS Flre laces # Fence Gara e # of Cars Floor Scuttle ^ Finished ^ Heated CoaGn Central Air Conditioni ^ Individual ^ Other Patia/Deck PAT. Porch CF/CR ^ Pool ^ Other Car ort # of Cars ^ Att. ^ Det. ^ Built-in A fiances ®Refri erator ®Ran e/Oven ^ Dishwasher ^ Dis osal ^ Microwave ^ Washer/D er ^ Other describe Flnished area above rode contains: 5 Rooms 3 Bedrooms 1 Baths 912 S uare Feet of Grass Livin Area Above Grade . Additional features s eclat ener efficiertt items, etc.. COVD. FRONT PORCH 5 X 12 COVD. REAR PORCH 4 X 9 CONCRETE PATIO REAR /OPEN 'GAS FWA /GAS HW 'FULL BSMT. - UNFIN. ' 100 AMP ELECTRIC 'DINE-IN KITCHEN 'FLAT ROOF- B/U Describe the condition of the roe includin needed re airs, deterioration, rerrovations, remodeGn ,etc.. NORMAL DEPRECIATION IS NOTED. NO PHYSICAL FUNCTIONAL OR EXTERNAL INADEQUACY WAS NOTED OR WITH THE FLOOR PLAN. WITH GOOD MAINTENANCE AND CONDITION THE SUBJECT WILL RECOGNIZE CONTINUED GOOD ACCEPTANCE IN THIS MARKETPLACE. Are there an h sical deficiencies or adverse conditions that affect the livabili ,soundness, or structural int ri of the roe ? Yes ®No h Yes, describe THE APPRAISER DELIVERS AN OPINION OF VALUE ONLY. HE IS NOTA STRUCTURAL ENGINEER NOR GENERAL CONTRACTOR AND NO PHYSICAL WARRANTYS ARE MADE. THE UNIT IS IN GOOD OVERALL CONDITION. Does the roe enerall conform to the nei hborhood functienal utili , s ie, condifion, use, construction, etc. ? ®Yes ^ No ff No, describe FUNCTIONAL UTILITY STYLE USE AND CONDITION. rreoale mac corm iu march 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE File N . STR W FAMILY TR T P #7 Uniform Residential Annraical Rannrt PRIVATE/CONFID. - - - -rr------ -r-•~ Wien aitvjvv rHMILY IKU51 There are 1 com arable ro erties current offered for sale in the subject Wei hbortwod ran in in rice from $ 45 000 to $ 45 000 There are 3 cam arable sales in the subject Wei hborhood within the ast twelve months ran in in sale rice from $ 33 000 to $ 35 000 FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 1216 BAILEY STREET 1618 CATHERINE STREET 1734 PAXTON STREET 1528 CATHERINE STREET HARRISBURG HARRISBURG HARRISBURG HARRISBURG Proximi to Sub'ect 0.72 miles 1.07 miles 0.69 miles Sale Price $ N/ $ 33 500 ' $ 35 000 ' $ 33 000 Sale Price/Gross Liv. Area $ 32.35 s .ft. $ 29.13 S .ft. $ 26.52 s .ft. $ 26.96 s .ft. Data Sources MLS # 10175123 MLS # 10181073 MLS # 10195436 Verification Sources VALUE ADJUSTMENTS Sales or Financing Concessions DESCRIPTION CT. HSE /MLS DESCRIPTION + - $ Ad ustment CASH 0 DOM /165 CT. HSE /MLS DESCRIPTION + -) $ Ad'ustment CASH 0 DOM / 269 CT. HSE /MLS DESCRIPTION + - $ Ad'uslmeM CONY. 0 DOM / 26 Date of Sale~me 7-31-09 7-14-10 7-30-10 Location URBAN URBAN /SIM. 0 URBAN /SIM. 0 URBAN /SIM. 0 Leasehold/Fee Sim le FEE SIMPLE FEE SIMPLE FEE SIMPLE FEE SIMPLE Site Vew 696 S.F. PLEASANT 1 220 S.F. SIMILAR -500 1 000 S.F. SIMILAR -500 1 200 S.F. SIMILAR -500 Desi n S le Quali of Construction Actual A e Condition Above Grade 2 STY.INSD.RO AVG. /GOOD 100 +/- AVG. /GOOD Total Bdrms. Baths 2 STY.INSD.RO SIMILAR 100 +/- SIMILAR Total Bdrms. Baths 0 0 0 0 2 STY.INSD.RO SIMILAR 100 +/- SIMILAR Toth Bdrms. Baths 0 0 0 0 2 STY.INSD.RO SIMILAR 100 +/- SIMILAR Toth Bdrms. Baths 0 p 0 0 Room Count 5 3 1 6 3 1 0 6 3 1.5 -2 000 6 3 1 D Gross Livin Area Basement & Flnished Rooms Below Grade 912 s .ft. 438 Sq.Ft. -00- 1 150 s .ft FULL -00- . -2 900 0 1 320 s .ft. FULL -00- -4 900 0 1 224 s .ft. FULL -00- -3 700 0 Functional Utili GOOD SIMILAR SIMILAR SIMILAR - Heatin Coolin ,• Ener Efficiem Items GFWA STORM UNITS GFWA SIMILAR 0 OSTM. SIMILAR 0 GFWA SIMILAR 0 Garage/Ca ort - Porch/Patio/Deck STRT. PKG. CF/CR PR/PT. STRT. PKG. CF/CR PORCH 0 +500 STRT. PKG. CF/CR PORCH 0 +500 STRT. PKG. CF/CR PORCH p +500 • Net Ad'ustment otal ^ + ®- $ 2 900 + ®- $ 6 900 + - $ 3 700 Adjusted Sale Price _ of Cam rabies I did did not research the sale or transfer hi Net Adj. 8.7 % Gross Ad'. 11.6 % $ 30 600 sfo of the sub' ct ra a and com arabl Net Adj. 19.7 % Gross Ad'. 22.6 % $ 28 100 e sales. tt not, ex lain 3-5-09 FO Net Adj. 11.2 % Gross Ad'. 14.2 % $ 29 300 R $ 28 500 M research did did not reveal an rior sales or transfers of the subject roe for the three ears rior to the effective date of this a raisal. Data Sources 3-5-09 FOR $ 28 500 M research did did rwt reveal an rior sales or transfers of the com arable sales for the ear rior to the date of sale of the com arable sale. Data Sources TAX ASSMT. / CT. HOUSE Re ort the results of the research and ana sis of the rior sale or transfer hisfo of the sub ect ro and co arable sales re ort additional rior sales on a e 3 . ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3 Date of Prior SaleJTransfer Price of Prior Sale/Transfer 3-5-09 $ 28 500 NO SALE W (THIN 3 YRS. NO SALE W ITHIN 3 YRS. NO SALE W ITHIN 3 YRS. Data Sources LEGAL DESC. TAX ASSMT. ! CT. HOUSE TAX ASSMT. / CT. HOUSE TAX ASSMT. / CT. HOUSE Effective Date of Data Sources 7-30-t0 Anal sis of rior sale or transfer hisfo of the subject ro ert and cam arable sales NO PRIOR SALES WITHIN THE LAST 3 YEARS SUBJECT / COMPS. Summa of Sales Com orison A roach THE COST APPROACH GENERALLY SETS THE UPPER LIMIT OF VALUE AS IT CONSIDERS REPRODUCTION COSTS. THE MARKET ANALYSIS IS THE MOST INDICATIVE APPROACH AS IT CONSIDERS OTHER SIMILAR SALES IN THE MARKET AREA. THIS APPROACH IS GENEFL4LLY THE MOST RELIABLE. THE INCOME APPROACH IS NOT CONSIDERED NOR APPROPRIATE S/F RESIDENCE . Indicated Value b Sales Cam orison A roach $ 29 500 Indicated Value b :Sales Com orison A roach $ 29 500 Cost A roach (ii develo ed) S 29 664 Income A roach (if develo d) $ N!A This appraisal is made ®"as is", ^ subject to completion per plans and specifications on the basis of a hypothetical condition that the improvemerds have been completed, ^ subject to the following repairs or atteralions on the basis of a hypothetical condition that the repairs or alterations have been completed, or ^ subject to the • followin re wired ins ection based on the e>draordina assum tion that the condition or deficienc does not re wire alteration or r air: Based on a complete visual insppection of the interior and exterior areas of the subject property, defined scope of work, statement of assumptions and limiting condhions, and appraiser's cert'Ifiration, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is $ 29 500 as of JULY 30 2010 which is the date of fns action and the effective date of this a raisal. rreodie Mac Form 70 March 2005 Page 2 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Fil No. TRAW FAMI Y R T Pa e # Uniform RF!~IrlPntial Annraical RpnnrF PRIVATE/CONFID. - - -rr------ - -r-~- nron JIRHVY rFWIILT IKU51 ' SEE ADDENDUM COST APPROAGH'TO YAkUE not ` ul[ed b Fannie Mae Provide ode uate information for the lender/client to re licate the below cost fi ures and calculations. Su ort for the o inion of site value summa of com arable land sales or other methods for estimatin site value 'NOTE - DUE TO A LACK OF RECENT SIMILAR SIZED TRACTS THE APPRAISER UTILIZES HIS KNOWLEDGE AND EXPERIENCE IN THE SUBJECT MARKET BY ESTIMATING THE VALUE OF THE SUBJECT TRACT ESTIMATED ®REPRODUCTION OR ^ REPLACEMENT COST NEW OWNION OF SfTE VALUE_____ .........................._.....__._........_... _.... _$ 7 500 Source of cost data MARSHALL-SWIFT RESID. COST HANDBOOK Ouali rati from cost service GOOD Effective date of cast data 11-08 - DWELLING 912 S .Ft. @ $ 37.20 ....._ 438 S .Ft. @ $ 7.15 ...__ _.... _$ 33 926 ._... _$ 3 132 Comments on Cost A roach ross livin area calculations, de reciation, etc. CF/CR PORCH CONC. PATIO __.. _$ 3 890 THE REPRODUCTION COST APPROACH IS DERIVED FROM Gara e/Ca ort S .Ft. $ _$ DATA IN THE MARSHALL-SWIFT RESID. COST HANDBOOK Total Estimate of Cost-New _$ 40 948 GOOD QUALITY 2 STY. INSD. ROW Less Ph sical Functional E>demal D reciation 20 474 =$ 20 474 D reciated Cost of Im rovements .............................................. ...... _$ 20 474 HUD/FHANA PROPERTY STANDARDS ARE NOT APPLICABLE "As-is' Value of Site Im rovements ..._._ ......................_._-._..-... __.. _$ 1 690 TO THIS REQUEST. Estimated Remainin Economic Life HUD and VA onl 45-50 Years INDICATED VALUE BY COSTAPPROACH -_.-...---._-..-_.-_.____..,_ ....._. =g 29 664 INCOMEAPP,ROACHTOVALUE(iiot""ulredb FennieMae) Estimated Monthl Market Rent $ N/A X Grass ReM Multi lier N/A = $ N/A Indicated Value b Income A roach Summa of Income A roach includin su art for market rem and GRM N/A RROJECT'INFORMATIONFOR P.UDti((i- ' llcable) Is the develo er/builder in control of the Homeowners' Association HOA ? ^ Yes ^ No Unit e s ^ Detached ^ Attached Provide the followin information for PUDs ONLY if the develo er/builder is in control of the HOA and the sub'ect roe is an attached dwellin unit. Le al Name of Pro ect N/A Total number of hoses N/A Total number of units N/A Total number of units sold NIA Total number of units rented N/A Total number of units for sale N/A Data sources N/A Was the ro'ect created b the cornersion of existin buildin s into a PUD? Yes No If Yes, date of cornersion. N/A Does the ro ect contain an mufti-dwellin units? Yes No Data Source N/A Are the units, common elements, and recreation facilities com lete? ^ Yes No If No, describe the status of com letion. N/A Are The common elements leased to orb the Homeowners' Association? ^ Yes ^ No ff Yes, tlescdbe the rental terms and o lions. N/A Describe common elemems and recreational facilities. NIA rreaaie Mac form IO March 2005 Page 3 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Fil N . TAAW F MILY TR T P # Uniform Residential Appraisal Report flle# ST'F2AWtFAMILYITRUST This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of worfc, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting condtions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and cert'rfications. The appraiser must, at a minimum: (1) pertorm a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions' granted by anyone associated with the sale. *Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, except for information that he or she became aware of during the research involved in pertorming this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in pertorming the appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be pertormed in a professional manner. rieuuie iwac roan rv marcn [uu~ Page 4 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Wintlows" appraisal software by a la mode, inc. -1-800-ALAMODE Fil o. STRAW FAMILY TR T Pa e #70 Uniform Residential A raisal Re ort ~"'""'C"'"'"r"'. PP P Flle# STF:AW FAMILY TRUST APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I pertormed a complete visual inspection of the interior and exterior areas of the subject property. 1 reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I performed this appraisal in accordance with the requirements of the Un'Iform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that 1 considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and experience in appraising this type of property in this market area 12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. 1 have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specirfic subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the pertormance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks pertormed in this appraisal report. I certify that any individual so named is qualified to pertorm the tasks. I have not authorized anyone to make a change to any ftem in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Fretldie Mac Form 70 March 2005 Page 5 of 6 Fannie Mae Form 7004 March 2005 Form 1004 - "TOTAL for Windows" appraisal sofhvare by a la mode, inc. - 1-800-ALAMODE it N . TRAW FAMILY TRU T Pa #11 unirorm rsesidentiai Appraisal Report Plle# sr-~Aw~FAMILY~rr 21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; govemment sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions, of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, govemment sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not Iimfted to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to pertorm this appraisal, and is acceptable to pertorm this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile Vansmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as ff a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER Signature~~zE ti• ~~ Name PA RICK A. McCARTHY Company Name McCARTHY ASSOCIATES Company Address 83 KELLY DRIVE CARLISLE . PA. 17013 Telephone Number (717) 796-9770 Email Address mccarthyassociates(a~comcast.net Date of Signature and Report August 04, 2010 Effective Date of Appraisal JULY 30 , 2010 State Certification # RL 001155 L or State License # or Other (describe) State # State PA. Expiration Date of Certification or License 6-30-11 ADDRESS OF PROPERTY APPRAISED 1216 BAILEY STREET HARRISBURG PA. 17103-2241 APPRAISED VALUE OF SUBJECT PROPERTY $ 29,500 LENDER/CLIENT Name Company Name SHOOK, BRYAN W. ESQUIRE Company Address 2132 MARKET STREET CAMP HILL , PA. Email Address SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name . Company Address Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License SUBJECT PROPERTY ^ Did not inspect subject property ^ Did inspect exterior of subject property from street Date of Inspection ^ Did inspect interior and exterior of subject property Date of Inspection COMPARABLE SALES ^ Did not inspect exterior of comparable sales from street ^ Did inspect exterior of comparable sales from street Date of Inspection Freddie Mac Form 70 March 2005 Page 6 of 6 Form 1004- "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE Fannie Mae Form 1004 March 2005 Fil N . TRAW FAMILY TR T P #12 SUPPLEMENTAL ADDENDUM G;,,~,~ ~TO,,,~, ~„~,,,,, ,~„ Borrower Client N!A Pro a Address 1216 BAILEY STREET Ci HARRISBURG Cou DAUPHIN State PA. Zi Code 17103-2241 Lender SHOOK BRYAN W. ESQUIRE ALL COMPARABLE SALES ARE CLOSED SALES. THOSE PROVIDED ARE THE MOST INDICATIVE SALES IN THE EXISTING SUBJECT MARKETPLACE, AND EACH ARE EXCELLENT INDICATORS OF VALUE. ADJUSTMENTS WERE MADE TO REFLECT THE MARKET REACTIONS TO THOSE ITEMS OF SIGNIFICANT VALUATION DIFFERENCE BETWEEN THE SUBJECT, AND THOSE COMPARABLES PROVIDED. THE COMPARABLES OVER 6 MONTHS OLD IN SALES DATE WERE CONSIDERED DUE TO THEIR LIKE STYLE, SIMILAR AMENITIES, VINTAGE, CONDITION, SITE SIZE, AS WELL AS THEIR NEARBY PROXIMITY TO THE SUBJECT. OTHER MORE RECENT SALES WERE CONSIDERED BUT WERE NOT DEEMED TO BE AS APPROPRIATE AS THOSE PROVIDED. A COST FACTOR OF $12.00 PER SQUARE FOOT IS IMPLEMENTED AS A CONSISTENCY WITH THE MARKET REACTION TO SUCH A DIFFERENCE, RATHER THAN A STRAIGHT LINE, COST BASIS ADJUSTMENT, WHICH WOULD OBVIOUSLY, BE SIGNIFICANTLY HIGHER. A SITE ADJUSTMENT IS IMPLEMENTED NOT A PRICE PER SQUARE FOOT, BUT RATHER AS A CONSISTENCY WITH THE MARKET REACTION TO SUCH A DIFFERENCE. A PRICE PER "RETAIL" SQUARE FOOT ADJUSTMENT WOULD WARRANT A SIGNIFICANTLY HIGHER GRID ADJUSTMENT, AND REMAIN INCONSISTENT WITH A DISCRIMINATING PURHCASERS MOTIVATION, WHICH IS ULTIMATELY MORE CONSISTENT WITH THAT DOLLAR ADJUSTMENT APPLIED. COMPARABLE # 2 IS LOCATED IN EXCESS OF ONE MILE, FROM THE SUBJECT PROPERTY. THIS IS OWING IN PART TO THOSE ITEMS NOTED ABOVE CONCERNING THE RELATIVE SCARCITY OF RECENT HOME SALES, AS W ELL AS TYPICAL DEMOGRAPHIC PROGRESS, AND THE INCREASED AVAILABILITY OF OTHER MORE RECENT SALES WITHIN THE ONE MILE RADIUS, WHICH IS NORMALLY SUGGESTED BY GENERAL FNMA UNDERWRITING GUIDELINES. REPORTlfEXT: PRESCRIBED BY THE UNIFORM STANDARDS OF APPRAISAL PRACTICE (USPAP), AS ISSUED BY THE APPRAISAL STANDARDS BOARD, THIS REPORT IS CONSIDERED TO BE A COMPLETE SUMMARY REPORT. THERE MAY BE DIGITAL SIGNATURES USED IN THIS APPRAISAL REPORT. THEY ARE ACTUALMALID. USER: THE INTENDED SOLE USE OF THIS APPRAISAL REPORT IS EXCLUSIVELY FOR THE LENDER/CLIENT, AS NOTED ON THE COVER PAGE, OR PAGE ONE OF THE TEXT FORMAT, INTERNAL. IT IS CONFIDENTIAL IN NATURE, AND NOT INTENDED FOR ANY OTHER USE THAN THE LENDER/CLIENT, NOTED HEREIN. APPRAISER: THE APPRAISER HAS COMPLETED HIS 2-YEAR CONTINUING EDUCATION REQUIREMENTS, FOR THAT CERTIFICATION LICENSING CYCLE, WHICH IS MANDATED BY THE COMMONWEALTH OF PA., AND SUBSEQUENT PA. REAL ESTATE APPRAISAL BOARD. PERSONAL PROPERTY: NO PERSONAL PROPERTY, OR FIXTURE INTANGIBLES WERE CONSIDERED IN THE VALUATION PROCESS, UNLESS OTHERWISE NOTED. Form SUP -"TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE Building Sketch (Page - 1) Fil TRAW FAMILY TR T Pa #1 Borrower Client N/A Pra ert Address 1216 BAILEY STREET Ci HARRISBURG Cou DAUPHIN State PA. L Cade 17103-2241 Lender SHOOK BRYAN W. ESQUIRE _. PORCH ; 9;0' 9`~, ~BR' KITCH ?BATH ;. ', ! 'BEDROOM - LIVG:: RM. _. 'MASTER BEDROOM 12:0' 12.0' o ,~ ; ..,...PORCH o iri 12.0'. ~~~ Comments: Code AREA CALCULATIONS SUMMARY Description Size NM Totals GLAI First Floor 438.00 438.00 GLA2 Second Floor 474.00 474.00 P/P Porch 60.00 Porch 36.00 96.00 TOTAL LIVABLE (rounded) 912 LIVING AREA BREAKDOWN t3reakdown Subtotals First Floor 12.0 x 26.0 312.00 9.0 x 14.0 126.00 Second Floor 12.0 x 26.0 312.00 9.0 x 18.0 162.00 4 Calculations Total (rounded) 912 Form SKT.BIdSkI - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE Location Map Fil N . TRAW FAMILY TR T Pa e #14 Borrower CIieM N/A Pro ert Address 1216 BAILEY STREET Ci HARRISBURG Cou DAUPHIN State PA. Zi Code 17103-2241 Lender SHOOK BRYAN W. ESQUIRE ,: it• ~ ~ ~ ' sir aencr v ~ a s rm a 'wmwo w., c~.ay cam. ~ ~$ ~ - ~T ~.,. :. i _ a.., '~.., ~ '.:'.:Pmsn°"AVS "___ - ... .... .TXraiy [ytl ~ •_ ~ ~Q GeA RO:: d "4 gl~ I E ~'•yAgxooE: Pa60r ~' 8,,. a.".ooa p '1 .~ Y U p~ ~d ~~ S 2 00J ~ ~~7~ ~ ~~1 .` tanflE-: - ~ ~S ~ 4 ~ r ~ _ - T'n~n 3 t R Q _ . .y ~ 3 LL '( ~~p~ won - BImRS §Ji ~~ '~ egg Sm ~uD <` " Gt R m` ;~~Qy\ ~ ~ 4 '- M~4 L~ \• a ~a~ srcam 4 LEA cau~ ^r..~~ '.. c.~n,r9 ~ ~ ~~ G,y~ax 51 ~~ ~~. °` - ~A ~ ` ''A 9 ''s' x Y1 'Ohe or .._ wYa-.:~ ~, ~,cw ~,M..y ~Wq wm+ ts'N. pe4`F N. 3.4 ~`~na..a °) R 'E.. sy P+. 9~ yea ~ r~ __ ~ ~ ~ ~'$% as ev ~~ rya ~. s"'" N r°~ ~'~. a"W amp;, cd _i~ si ~~ ~ ~ ~~ ,~ ~ ~ ~ ~~ av ~ ~ . ~ ~ ~"`> ~~e~~, ~ ~~i '~ ~ Q" pdU°~ ~d 9~ .fie d r"°°^`+m '~G ~~g-~ ~~K' rs~W 7s n1 n 'A. q `;i c'~R', ~ ~f3~'. ,p ~,yd~~4 ~s z~ 05` ~: 4~ p ~'.z . Ava~+~ PZ` ~1J ~ gyp 2 C.f''~ 5` ~ 3 YRt~t~y . - 4 ~+°~.v ~roeµ ~~ ~4 ~y ~~z~,4 f ~41~1A.m ~„~ ~~ v%~, p9 ~ e~~~~°'? U+ ~. ~ ~nr''°. tea:. ~ ¢ ~ `, ~' ~~~, ~~ ~ t ' s „Yj . v •f"~ H~ h3 _ sh ~.`~ y~\ ~~11',•\; .~~w oa,~y Ne~ro~ '~ ~ ~ ~ •~' ASS ~..;.w ~ ~~ ~`7 ~ 4 ~ ~ w' ~ ., _ ,~ c "~ s~ s ~ ,. ...., .•. .,. ~. ~ ~: ~ sSrY S ~ y .~ 9. t1y }~ ,. ~ ~syib"hky "'~~" ~ F •5. F ,.. ,1 ~'~} ~,. ? 'D ~ ,m. \' 4\ ' ~ g ~ - ~L _ ~~ - - ~~- - e~ ~ 9 ~y .P ~yC~ JJ f.•,. ~~9 2 f 8 ~ - ~~~ ~ ~ -~9, - '" t ,5 ~ ~~ - 'a.~ h " ~ ~ soh ~~v moo. ~ f ~~ S ~ . - BA .9. ~_,~' ..cam / G'~ thy- ti •.~ ...~ ~B ~ '.G°4 i ~ 4 r, a `Ymwn `Y' ` ti ~'r "~ \ ~ „b N 1 ~. ,y .- rr n~~- - ~m,o...„. ~ '1~-~ wi, c~,ayre Form MAP.LOC - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-600-ALAMODE Subject Photo Page Fil N . TRAW FAMILY TRUST P #1 Borrower Client N/A Pra a Address 1216 BAILEY STREET Ci HARRISBURG Cou DAUPHIN State PA. Zi Code 17103-2241 Lender SHOOK BRYAN W. ESQUIRE Subject Front 1216 BAILEY STREET Sales Price N/A Grass Living Area 912 Total Roams 5 Total Bedrooms 3 Total Bathrooms 1 Location URBAN Vew PLEASANT Site 696 S.F. Quality AVG. /GOOD Age 100 +/- Subject Rear Subject Street Form PIC3x5.SR -"TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE PHOTOGRAPH ADDENDUM Fil N . TRAW FAMILY TR ST P #16 Borrower Clienl NIA Pra ert Atltlress 1216 BAILEY STREET Ci HARRISBURG Cou DAUPHIN State PA. li Code 17103-2241 Lender SHOOK BRYAN W. ESQUIRE form GPIC3X5 - °TOTAL for Windows° appraisal software by a la mode, inc. -1-B00-ALAMODE PHOTOGRAPH ADDENDUM Fil N . TRAW FAMILY TRU T Pa #17 Borrower Client N/A Pro ert Address 1216 BAILEY STREET Ci HARRISBURG Cou DAUPHIN State PA. Zi Code 17103-2241 Lender SHOOK BRYAN W. ESQUIRE Form GPIC3X5 - ^TOTAL for Windows° appraisal software by a la mode, inc. -1-8IX1-ALAMODE form 6PIC8X5 - ^TOTAL far Windows° appraisal software by a la mode, inc. - 1-800-ALAMODE File N .STRAW EAMILY TR T P e #18 PHOTOGRAPH I1nnFNn~~M Comparable Photo Page File No. TRAW FAMILY TR T P #19 Borrower Client NIA Pro ert Address 1216 BAILEY STREET Ci HARRISBURG Cou DAUPHIN State PA. li Code 17103-2241 Lender SHOOK BRYAN W. ESQUIRE Comparable 1 1618 CATHERINE STREET Prox. to Subject 0.72 miles Sale Price 33,500 Gross Living Area 1,150 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1 Location URBAN /SIM. View SIMILAR Site 1,220 S.F. Quality SIMILAR Age 100 +/- Comparable 2 1734 PAXTON STREET Prox to Subject 1.07 miles Sale Price 35,000 Gross Living Area 1,320 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1.5 Location URBAN /SIM. View SIMILAR Site 1,000 S.F. Guality SIMILAR Age 100 +/- Comparable 3 1528 CATHERINE STREET Prox to Subject 0.69 miles Sale Price 33,000 Grass Living Area 1,224 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1 Location URBAN /SIM. View SIMILAR Site 1,200 S.F. Quality SIMILAR Age 100 +/- Form PIC3x5.CR - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE Legal Desc. F'I M # INST$: 20090007650 Retarded= 03/13/2009 at 02:Q4:37 Pt.f d PAGE= JAMES M. ZUGAY, RECORDER OF DEEDS, DAUPAIN COt7NTY,PA. RECORDED 8Y DEPUTY CI.Eiii: DJENKYN DEED 'I'a: Parcel No. 0901201411000(100 TRIS INDENTURE made this S1h day of March in the year oCottr Cord Two 7hovsarsd and Nine (?009) by and between doe N. Kant and John d. Scott, his Son, of Harrisburg, Dauphin Cc?.atty, Pennsylvania, hereinafter called Grantors, Parry of the First Part AND Lewis A. Straw, of New Cumberland, Cumburland County, Pemtsglvania, hereinafter called Grantee, Party of the Second Part. WITNESSETH that the said Pany of the First Pan, f'or and in cvnsiueration of Twcory~ eight Thousand Five Hundred and Nd100 (52$,500.00} Dollars unto it well and truly paid by the said Pany of the Sccortd Pats, the receipt whereof is hereby acknawlcdgc,i, do pant, bargain, seU, alien, enfeotF, releaso, wnvey and confimt tm[o the Cr[mttx, said Party of dre Second Party and his htiirs, executors and administrators, ALL 'THA'I' CERTAIN tree[ or parcel of land Focatcxl in t3te .:ity of 1"larrisburg, Dauphin County, Pennsylvania, more particularly bounded and dcscnbad as ~iillaws, to wit: BECTIVIVING at a point an the norshem line of Bailey Street on the line running through the partition wall belwocn the two story brick dwelling creel ad on the lot hereby corrveycd and the two story brick dwelling erected on ahc lot :,djoning on the west, and paint being twenty-four and eight-hundredths (24.08) t~,et measured castwerdly along the northern iirn of Bailey Street from the northc,rst cotnor of Bailey and North Stunnrit. Streets; thevtt, in a northerly direction along said line though said. partition wall trod beyond fifty-seven and nicety-fives hundredths (57,x5) feet, more or less, to a three (3) fact wide alley; thence i:t mt easterly direction along the southern line of said alley Evolve and one-hundn~dths (12.01) feet tc a point; tlncncc in n southerly direction along a line running through rho crnlor of a partition wall of said two story brick dwelling erected on I're lot hereby wnveyed and tho two story brick dwelling erected on the lot adjoining at rho east and beyond SRy-seven and ninety-five hundredllts (57.95) feet to l Bailey Strct~f; thane is a cvesuxly direction along the northern line of 8ailcy SCre: t twelve and one-hundredths (12.01 } feet to rt point of PLACE OF BEGINNING HAVING thereon erected a two story brick. dwelling, knovm as No 12[fi Ilailey Strecl, Harrisburg, Pennsylvania. BEING the same pn:miset which Jue N. Kent and Juncll Kcrt, hi< wife, by deed dated October 31, 1985, and recorded in the office of the Recorder of Uccds of Dauphin County, in Deed Book 683, Pagc 283, granted and wnveyed to Joe N. Kcrtt and Jo'm 1. Scott, his son, Cirantots, herein, style i rni i lEi 361 54`> Form MAP.LOC - "TOTAL for Windows" appraisal software by a la made, inc. - 1-800-ALAMODE Legal Desc. Fil A MI TR P # Borrower Client NIA Pro a AddreSS 1216 BAILEY STREET Ci HARRISBURG Cou DAUPHIN State PA. Zi Code 17103-2241 Lender SHOOK BRYAN W. ESQUIRE INSTRUMENT N: 20090007650 PAGE 2 OF 4 SUBJECT to restrictions, casements and conditions of record. CtNllER AND SUBJECT to all ex~venanta, restrictions. reservatii~ is, easements and conditions and rights appearing of record; and subject to any state of facts :n accurate sun~ey would show. TOCETIIER with all and singular, die buildings, the tenements, imrrovemenls, stroets, alleys, passages, ways, rights, liberties, privileges, hereditsrnents and appuRC~ances to the sttmc belonging or in an}tivisc appertaining and. the reversion and reversions, remainder and remainders, cults, issues, and profits thereof; and oleo alt the estate, riKht, title incen~st, prcrlrerty, claim and demand whatsoever, both firs law and equity of the Crlan[nra, Parry ~ ~f the Pirst Part, of, in, to or out of said. premises and every part or parcel. tireroo€. TD RAVE AND TD BiDLD the said premises, with all and singular the appunenances, unto said Party of the Sernnd Part, his heirs, executors and administrators, to and for the anty proper cue and beboof the said Party of the Seoond Part his heirs, executors and ndministrasors fnfeYer. THE SAID PARTY DF THE FIRST PART their heirs, executors and administrators do by these present, covenant, grant and agrx to and wilt the said Party of the Second Part, his heir, executors and administrators, dtat the said Parry of the f first Part, their heirs, executors and administrators, all and. singulaz the hernditaments and premises hereinabuve described and granted or mentiorxxl and intended so to be, with apptutenances, lutta the said Party of the Second Part, his heirs, executors and administrators against dte said. Party oi' the First Part and their heirs, executors and administrators and against all and every other person or persons whomsocvrv, lawfully claiming or to claim the said or any part thereat, shall and will, l,y dtese presents, SPECIALLY WARILtNT AND FQREVER DEFEND. IN WITNESS WNERE{TF, the said Party of the First Part, have unto set their hands acrd seals on the day first above written. Signed, Scaled and Delivered in the Presence oP ~~,rc~/IXJ~ ~ (SEAL) WITNESS y N. IfENT 7 WCTNESS J .T. SC s~liP rni ; lEl iE't 54~ Form MAP.LOC - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Fil N . RAW FAMI Y T Legal Desc. Borrower Client NIA Pro ert Address 1216 BAILEY STREET Ci HARRISBURG Cou DAUPHIN State PA. Zi Code 17103-2241 Lender SHOOK BRYAN W. ESQUIRE IN5TRUMEN't' ,~: 2DC90007650 PAfiE 3 OP 4 C.O'V1~lONtYf~gLTHOFPk:NNSYLtiAN1A , SS. f.OUNTY OF bAtTPHIN , On this 5°i ,yy~ ol'March, 2009, personally appeared before me, a ilvtary Puhlic in :tad for said Comnipnw~eaith and C.ounry', tftc raid .Tae N. Kent and John J. ?icnti, the Cir<fnton, known to me (dr tsatisl~torily provanj to Ix the persons whose narucs ar•_ suhsa;bed to the within inswrucat, acrd acknnx`?edge [fort Ihcy eucstted the same F'ur tlfr puf7fnse3 16en:fsr cormirud. IN W7CNESS W'J1ERI40F, T have hentmta set my head and official >:ral. ~_ `~,_~ ~_1l 6-1 t-1. ,~~ ~ ,rte. ~~ ~~.!j'~` ~ Natury blia ~ ri t (X1rM10MhF.ALTIf pF PENNBYL4MIM MlyCottnuissioncrGxpires; oowa~rw.s~oon~raeae ~.. uGro,n+.a4YAVt~s fe+~7pt7 r.~rroervr. m J ltareb}• ccrti ty that the !'rrxi~ Address of the Grantee in the whin i:.:ed is ?4 L}rexel I-Glls Circle New Cttmberltutd, PA J 7070 l ~ r / i ,n/~.:~ _ J3ryan W. Shnuk, Esquire, At'nrcrcy fur4sYantez ".132 Market 5veet ('.an-!t WiIJ, YA 1701 } farm MAP.LOC - "TOTAL for Windows" appraisal software by a la made, inc. - 1-800-ALAMODE Legal Desc. Borrower Client N/A Pro ert Address 1216 BAILEY STREET Ci HARRISBURG Cou DAUPHIN State PA. Zi Code 17103-2241 Lender SHOOK BRYAN W. ESQUIRE ~'r ; .Tool v1.17ueag. (-isy. L ' Pcraior c"Da~ds ~ ylis~~v cw;tt sr /. { 1 &D-6161 `°f i< l ~ dw. R M~c1 4 s,~ x ~~%~y Tiamsru. i a~.:!ri Fh~n ,.>sp:or Recorder of Deeds Hrtii3lN f~. F'amwj'IVmia (:T2RTTFTF.D TiBV-D P~GF u'eTRUna:nr o ac~~~»,,~ Rerxwo UATF. vn sr,Ims3 z se:va ~u FcxFOrn av: WFIJKYN COC TYNE: LlEF.O i-kY` AQEI+IT: DAT2flYL L'Ct1iLC1 ~ L.0.V'lDFFY.:= CNiECT MAME; {O7Vr,. A^,E h7. A'ICiRE4'r h7AME: STP.AVI, lPt'AS."~. ACT 8 CE 1898' 55::0 OU~iGnMEALTH GF ^A. 433566 taJrgCIPALrV; $41250 FV+FFISBl42C CT(-Y EX7iGG1- 015TFACT: $11256 HfiFF~ESURC xGt~ Anoao ~.F Hf11 CTK:'. ST31tt1 PbIfA1T ; (.'MIfT T'pl:l7ru,men Tn Tk R.ccsi4+d 41 DUnLhtn Cn., t, %eunrylr.~na. {~ ~- +.:-:+ lama3 6t ._o4sg, Rerordrtr of! . Ha TT-TTS TS A CERTIFICATIOt~I PAGE -. _._ PLEASE Da l'~l-[)T DETACH: T1-i1S I?AGT TS N~JW PART OF TI1.15 LEGAL D()CUN~NT Form MAP.LOC - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE PRIVATE / CONFID. Market Conditions Addendum to the Appraisal Report crie N~ ~TROW Fo~~~~ .. ~~ ~~- The purpose of this addendum is to provide the lender/client with a clear and accurate understanding of the market trends and conditions prevalent in the subject net hborhootl. This is a re wired addendum for all a raisal re orts with an effective date on or after A ril 1, 2009. Pro ert Atltlress 1216 BAILEY STREET Ci HARRISBURG State PA. ZIP Code 17103-2241 Borrower N/A Instructions: The appraiser must use the information required on this farm as the basis for his/her conclusions, and must provide support for those conclusions, regarding housing trends and overall market conditions as reported in the Neighborhood section of the appraisal report form. The appraiser must fill in all the informaticn to the extern it is available and reliable and must provide analysis as indicated below. If any required data is unavailable or is considered unreliable, the appraiser must provide an explanation. It is recognized that not all data sources will be able to provide data for the shaded areas below; if it is available, however, the appraiser must include the data in the analysis. Ii data sources provide the required information as an average instead of the median, the appraiser should report the available figure and identity it as an average. Sales and listings must be properties that compete with the subject property, determined by applying the criteria that would be used by a prospective buyer of the subject pro e . The a raiser must explain an anomalies in the data, such as seasonal markets, new construction, foreclosures, etc. Inventory Ana sis ' Prior 7-12 Months Prior 4-6 Months Current - 3 Months Overall Trend Total # of Com arable Sales Settled 1 0 2 Increasi Stable Declinin Abso lion Rate otal Sales/Months 0.17 0 0.67 ^Increasi ®Stable ^Declinin Total # of Com arable Active Listin s o 1 o Declinin 'Stable Increasin Months of Housin Su I otal Listin s/Ab.Rate 0 0 0 Declinin Stabs Increasi Median Sale & List Puce, DOrN, Sale/List % Prior 7-12 Months Prior 4-6 Months Current - 3 Months Overall Trend Median Com arable Sale Price 33 500 0 34 000 Increasin Stable Declinin Median Cam arable Sales Da s on Market 165 0 148 Declinin ®Stable ^Increasin Median Com arable List Price 36 900 [ 0 57 200 Increasi ®Stable ^Declinin '-' Median Com arable Listin s Da s on Market 0 154 0 Declinin !Stable lncreasin _ Median Sale Price as % of List Pnca 90.79 0 59.44 ^Increasin ®Stable ^Declinin ~, Seller- develo er, builder, etc. aid financial assistance revalenl? ®Yes ^ No ^Declinin Stable ^Increasin Explain in detail the seller concessions ttends far the pas112 months (e.g., seller contributions increased from 3% to 5%, increasing use of buydowns, cbsing casts, condo • fees, o lions, etc.. SALES CONCESSIONS TYPICALLY AVERAGE APPROXIMATELY 2 %. SALES CONCESSIONS HAVE NOT NECESSARILY INCREASED BUT REMAIN A PREVALENT OPTION IN RETAIL REAL ESTATE. THEY ARE USUALLY IMPLEMENTED WITH AN INCREASED CONTRACT PRICE TO OFFSET THOSE INHERENT CONCESSIONS. Are foreclosure sales REO sales a factor in the market? Yes No ff es, lain includin the trends in listin s and sales of foreclosed ro ernes . AN INCREASED NUMBER OF REOIFORECLOSED PROPERTYS HAVE ENTERED THE MARKETPLACE. THEY CONTINUE TO SELL AT FAIRLY CLOSE TO THE LISTING PRICE WITH THE AFOREMENTIONED SALES CONCESSIONS ALWAYS A REMAINING POSSIBILITY. Cite data sources for above information. CENTRAL PENN MLS PATRIOT NEWS COUNTY COURT HOUSE. Summarize the above information as support for your conclusions in the Neighborhood section of the appraisal report farm. If you used any additional information, such as an anal sis of endin sales and/or ex iretl and withdrawn listin s, to formulate our conclusions, rovitle both an a lanation and su ort for our conclusions. DAUPHIN COUNTY IN GENERAL HAS REMAINED A STABLE SALES ENVIRONMENT IN THE CENTRAL PA. REGION DESPITE CONCERNS IN NEIGHBORING COUNTYS TO THE SOUTH AND EAST. AND EVEN MORE SIGNIFICANT MARKET CONCERNS ABROAD. THE APPRAISER DOES CONTEND THAT THERE IS AN OVER-SUPPLY OF CURRENT LISTINGS IN THE GENERAL MARKETPLACE ALSO IMPACTING NEGATIVELY THE CURRENT ABSORPTION RATE AND LONGER GENERAL DAYS ON MARKET. H the sub is a unit h a condominium or cooperative project ,complete the folbwing: N/A Project Name: N/A Subject Project Data Prior 7-12 Months Prior 4--6 Months Current - 3 Months Overall Trend Total # of Com arable Sales Settled Increasin Stable Declinin Absc lion Rate otal Sales/Morrths Increasin Stable Declinin Total # of Active Com arable Listin s Declinin Stable Increasin Months of Untt Su I otal Ustin s/Ab.Rate Declinin _ i Stable Increasin Are foreclosure sales (REO sales) a factor in the project? Yes No ff yes, indicate the number of REO listings and explain the trends in listings and sales of foreclosed ro ernes. . Summarize the above trends and address the im act on the subject unit and ro'ect. Si nature Si nature • A raiser ame PATRICK A. McCAR HY Su erviso A raiser Name Corn an Name McCARTHY ASSOCIATES Com an Name • Com an Address 83 KELLY DRIVE CARLISLE PA. 17013 Com an Address State License/Certification # RL 001155 L State PA. State License/Certification # State Email Address mccarthyassociates@comcast.net Email Address Freddie MaC Form 71 March 2009 Page 1 of 1 Fannie Mae Form 1UU4MG March'LUU9 Farm 1004MC2 - "TOTAL for Windows" appraisal software by a la mode, inc. - t-800-ALAMODE REV-1500 ESTATE OF LEWIS A STRAW DATE OF DEATH: 4/28/10 ASSETS OF ACME MOVERS INC. AS OF 4/28/10 CESSNA 182Q -SALE PRICE $ 52,000.00 REPAIRS NECESSARY TO SELL AIRPLANE 1,000.00 SCRAP METAL (HANGERS) -SALE PRICE 20,000.00 LOAN RECEIVABLE 8,405.25 CASH BALANCE 326.41 TOTAL $ 79731.66 90% OF OUTSTANDING SHARES OWNED BY LEWIS A STRAW $ 71,758.49 Acme Movers, Inc. CORPORATION RESOLUTION On this the 14~' day of May, 2010: Let it be RESOLVED that all stock holders were present, namely Bryan W. Shook, Trustee of the Straw Family Trust: Whereas it was voted on and agreed, that .the corporation's Cessna 182Q (Aircraft Serial Number 18266750, Tail Number N96523) has been offered for sale for the asking price of $52,000.00 as per instruction of Mr. Lewis A. Straw on February 10, 2010 to Richard Noms Dunkin of Wings N Things, 1139 Dry Powder Circle, Mechanicsburg, Cumberland County, Pennsylvania 17050. Whereas it was ratified that the offer made by Wings N Things for the as-is, where-is, with all faults purchase of the aforementioned aircraft of $52,000.00 was accepted contingent upon Richard Norris Dunkin of Wings N Things executing an as-is, where-is, with all faults disclaimer to be drafted by Bryan W. Shook, Esquire and presented to Mr. Dunkin prior to the consummation of the purchase of the aircraft. The stockholders, all being present did unanimously accept the aforementioned offer. A second interested party was involved and given approximately 30 hours to make a counter offer however receiving no offer, the offer of Wings N Things was accepted. Therefore, let it be resolved that the transfer of the corporation's Cessna 182Q (Aircraft Serial Number 18266750, Tail N 96523) shall be transferred to, in frill, to Wings N Things without delay. Witness: Bryan hook, Trustee of the Straw Family Trust 1N THE COURT OF COMMON PLEAS OF PERRY COUNTY, PENNSYLVANIA OFFICE OF PROTHONOTARY CV-CV-2010-397 ACME MOVERS /NC, plainfiff VS GREGORY DEIMLER, SR, defendant EXEMPLIFIED RECORD OF JUDGMENT RECORDED I, BRENDA J. ALBRIGHT, PROTHONOTARY OF THE COURT OF COMMON PLEAS OF PERRY COUNTY, PENNSYLVANIA, DO HEREBY CERTIFY THAT THE FOLLOWING IS A TRUE, CORRECT AND FULL COPY OF THE DOCKET ENTRIES IN THE ABOVE CAPTIONED CASE. FURTHER, I DO HEREBY CERTIFIY THAT JUDGMENT WAS ENTERED AGAINST THE DEFENDANT, GREGORY DEIMLER, SR., ON APRIL 06, 2010 IN THE AMOUNT OF 8 405.25 PLUS COSTS AND INTEREST, AND IN FAVOR OF PLAINTIFF, ACME MOVERS INC. IN TESTIMONY WHEREOF, I HAVE HEREUNTO SET MY HAND AND OFFICIAL SEAL OF THE SAID COURT ON THE 6TH DAY OF APRIL A.D. 2011 ~; ~ ~ ~_ /~;; ~~.~ ~ , ~ it /S/ ~ , BREN J. ALBRI H O /^ , / /.(,,:a t/ :, RUTH ROWER, DEPUTY Form 1120S Department of the Treasury Internal Revenue Service (77) U.S. Income Tax Return for an S Corporation - Do not file this form unless the corporation has filed or is attaching Form 2553 to elect to be an S corporation. OMB No. 1545-0130 2010 For calendar ear 2010 or tax year beginning ,and ending A Selection effective date Name D Employer identification number 06/05/1974 B Business activity TYPE ACME MOVERS INC 2 3 -19 2 5 8 2 4 code number OR Number, street, and room or suite no. If a P.O. box, see instructions. E Date incorporated (see instructions PRINT 48100 14 DREXEL HILLS CIRCLE 03/01/1974 C Check if Sch. M-3 City or town, state, and ZIP code F Total assets (see instructions) attached 0 NEW CUMBERLAND PA 17 0 7 0 $ 4 2 3 91. G Is the corporation electing to be an S corporation beginning with this tax year? Yes No If "Yes," attach Form 2553 if not already filed H Check if: (1) ~ Final return (2) 0 Name change (3) ~ Address change (4)~ Amended return (5) ~ S election termination or revocation I Enter the number of shareholders who were shareholders during any part of the tax year .............................................................................. - 3 Cautinn• Inebrda only trade nr husinacs income and expenses on lines 1a throuah 21. See the instructions for more information. 1 a Gross receipts or sales b Less returns and allowances C Bai - 1 C 2 Cost of goods sold (Schedule A, line 8) ...................................................................................................... 2 £ 3 Gross profit Subtract line 2 from line ic ................................................................................................... 3 4 Net gain (loss) from Form 4797, Part Ii, line 17 (attach Form 4797) ............................................................... 4 5 Other income (loss) (attach statement) ................................................. ......... ......... ......... ......... 5 ................................ 6 Total income loss .Add lines 3 throw h 5 ................................... .......................... - 6 w 7 Compensation of officers ............................................................................. Statentent...1.._...... 7 o S Salaries and wages (less employment credits) ............................................................................................. 8 9 Repairs and maintenance ........................................................................................................................ 9 ,E 10 Bad debts ............................................................................................................................................. 10 `0 11 Rents ................................................................................................................................................... 11 ~ 12 Taxes and licenses ................................................................................................................................. 12 13 Interest ................................................................................................................................................ 13 14 Depreciation not claimed on Schedule A or elsewhere on return (attach Form 4562) .......................................... 14 4 9 6 4 . 15 Depletion (Do not deduct oil and gas depletion.) ....................................................................................... 15 16 Advertisin9 ...................................................................................................................................... 16 ... 17 Pension, Profit-sharing, etc., plans ............................................................................................................ 17 ~ ............................ 18 Employee benefit programs ......................................................................................... 18 19 Other deductions (attach statement) ...............................................................S.t.at.em@xl.t....2.......... 19 5 6 5 . 20 Total deductions. Add lines 7 through 19 ................................................................................................ - 20 5 5 2 9 . ~ ............................................................. 21 Ordinary business income (loss). Subtract line 20 from line 6 ........... 21 - 5 22 a Excess net passive income or LIFO recapture tax (see instructions) .................. 22a b Tax from Schedule D (Form 1120S) ......................................................... 22b c Add lines 22a and 22b ............................................................................. ............................................. 22c 23 a 2010 estimated tax payments and 2009 overpayment credited to 2010 ,..,,,.,.... 23a a~i b Tax deposited with Form 7004 .................................................................. 23b c Credit for federal tax paid on fuels (attach Form 4136) ................................. 23c ~ d Add lines 23a through 23c ................................................................................................................... 23d ~ 24 Estimated tax penalty (see instructions). Check if Form 2220 is attached ....................................... - 0 24 ~ 25 Amount owed. If line 23d is smaller than the total of lines 22c and 24, enter amount owed .................................... 25 ~ 26 Overpayment. If line 23d is larger than the total of lines 22c and 24, enter amount overpaid ...... ...................... 26 27 Enter amount from line 26 Credited to 2011 estimated tax - Refunded - 27 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 Vue, correct, and complete. Declaration of preparer (other than taxpayer) is based on all Information of which preparer has any knowledge. May the IR discuss Sign Here this return with the ~ ' geioW ism i str.>7 ' Signature of officer Date Title ®Yes~ N Printrrype preparer s name TEVEN W. FAHNESTOCK, Preparar's signature TEVEN W. FAHNESTOCK, Date check if PTIN tl PA PA 04/01/11 l d® P00182696 Pre emp oye use rmsname - STEVEN W. FAHNESTOCK, CPA Flrm'sEIN- 06-1664396 Only Firm's address - 1513 CEDAR CLIFF DRIVE Phone no. CAMP HILL, PA 17011 717-737-5466 JWA For Paperwork Reduction Act Notice, see separate instructions. otnol o1-n-11 1 09300401 350025 231925824 2010.03030 ACME MOVERS INC Form 1120S (2010) 23192581 Form 112oS 2010 ACME MOVERS INC 2 3 - 19 2 5 8 2 4 Page 2 Schedule A Cost of Goods Sold see instructions 1 Inventory at beginning of year .............................................................................................................................. 1 2 Purchases ..................................................................................................................................................... 2 . 3 Cost of labor .................................................................................................................................................. . 3 4 Additional section 263A costs (attach statement) ...................................................................................................... 4 5 Other costs (attach statement) ............................................................................................................................. . 5 6 Total. Add lines 1 through 5 ............................................................................................................................. 8 . . .................................................................................... 7 Inventory at end of year ................................................. . 7 8 Cost of goods sold. Subtract line 7 from line 6. Enter here and on page 1, line 2 ........................................................... . 8 9 a Check all methods used for valuing closing inventory: (i) ~ Cost as described in Regulations section 1.471-3 (ii) ~ Lower of cost or market as described in Regulations section 1.471-4 (iii) ®Other (Specify method used and attach explanation) -N/A b Check if there was a writedown of subnormal goods as described in Regulations section 1.471-2(c) .................................... .............. ................... - c Check if the LIFO inventory method was adopted this tax year for any goods (if checked, attach Form 970) ... ......... ...... ... ....... .. .............. - d If the LIFO inventory method was used for this tax year, enter percentage (or amounts) of closing inventory computed under LIFO ......................................................................................................................................... . 9d e If property is produced or acquired for resale, do the rules of Section 263A apply to the corporation? ................................. .............. ....... Yes No f Was there any change in determining quantities, cost, or valuations between opening and closing inventory? ......... ...... ... ....... ........ ~ Yes 0 No If ~Nen " oHonh evnl~n~}inn 'Schedule B Other Information (see instructions) Yes No 1 Check accounting method: (a) Cash (b) Accrual (c) Other (specify) - 2 See the instructions and enter the: (a) Business activity -Trarisportatlori & Wareh(b) Product or service - 3 At the end of the tax year, did the corporation own, directly or indirectly, 50% or more of the voting stock of a domestic corporation? (For rules of attribution, see section 267(c).) If "Yes," attach a statement showing: (a) name and employer identification number (EIN), (b) percentage owned, and (c) if 100% owned, was a qualified subchapter S subsidiary election made? ........................ X 4 Has this corporation filed, or is it required to file, Form 8918, Material Advisor Disclosure Statement, provide information on any reportable transaction? X 5 Check this box if the corporation issued publicly offered debt instruments with original issue discount ................................. .................. - if checked, the corporation may have to file Form 8281, Information Return for Publicly Offered Original Issue Discount Instruments. 6 If the corporation: (a) was a C corporation before it elected to be an S corporation orthe corporation acquired an asset with a basis determined by reference to its basis of the asset (or the basis of any other properly) in the hands of a C corporation and (b) has net unrealized built-in gain in excess of the net recognized built-in gain from prior years, enter the net unrealized built-in gain reduced by net recognized built-in gain from prior years .......................................................................................................................................... - $ 7 Enter the accumulated earnings and profits of the corporation at the end of the tax year .............................. $ 8 Are the corporation's total receipts (see instructions) for the tax year and its total assets at the end of the tax year less than $250,000? If "Yes," the corporation is not required to complete Schedules L and M-1 .......................................... .............................. X 9 During the tax ear, was a ualified subchapter S subsidia election terminated or revoked? If "Yes," see instructions ............ .............................. X Schedule K? Shareholders' Pro Rata Share Items Total amount 1 Ordinary business income (loss) (Page 1, line 21) ....................................................................................... 1 - 5 5 2 9 . 2 Net rental real estate income (loss) (attach Form 8825) .............................................................................. 2 3a Other gross rental income (loss) ......................................................... 3a b Expenses from other rental activities (attach statement) ........................... 3b H c Other net rental income (loss). Subtract line 3b from line 3a ........................................................................ 3c 0 4 Interest income ................................................................................................................................. 4 5 Dividends: a Ordinary dividends ............................................................................................................ 5a ~, ~ o b Qualified dividends 5b ......................................................... c ................................................................................................................ 6 Royalties 8 .......................... 7 Net short-term capital gain (loss) (attach Schedule D (Form 1120S)) ........................................................... 7 8a Net long-term capital gain (loss) (attach Schedule D (Form 1120S)) ............................................................... 8a b Collectibles (28%) gain (loss) 8b ............................................................ c Unrecaptured section 1250 gain (attach statement) ................................. 8c 9 Net section 1231 gain (loss) (attach Form 4797) ....................................................................................... 9 Other Income (loss) 1~ (seelnstructions) ... Type- 10 JWA otnii of-t~-~~ 2 09300401 350025 231925824 2010.03030 ACME MOVERS INC Form 11205 (2010) 23192581 Form 11 20S (2010) ACME MOVERS INC Z 3 -19 2 5 8 2 4 Page 3 Shareholders' Pro Rata Share Items continued Total amount H 11 Section 179 deduction (attach Form 4562) ................ .....,................. ......................................................... 11 0 12a Contributions 12a .. ~ b Investment interest expense .................................................................................................................. 12b 'C C Section 59(e)(2) C expenditures (1)Type - (2)Amount - .................................................................................................................................... 12c(2) Other deductions d (see instructions) T e - 12d 13a Low-income housing credit (section 42(1)(5)) .......................................................................................... 13a b Low-income housing credit (other) ......................................................................................................... 13b c Qualified rehabilitation expenditures (rental real estate) (attach Form 3468) ...................................................... 13c _ `~ i 0th r rental real esgte d cre~its (see instrucLons)Type - 13d U thetrental~red'ts e seeinstrucilonsy Type - 13e f Alcohol and cellulosic biofuel fuels credit (attach Form 6478) ........................................................................ 13f Other credits g (see Instructions) T e - 13 14a Name of country or U.S. possession - b Gross income from all sources ............................................................................................................... 14b c Gross income sourced at shareholder level ............................................................................................. 14c Foreign gross income sourced at corporate level d Passive category ................................................................................................................................. 14d w c e General cate9ory ................................................................................................................................. 14e f Other (attach statement) .................................................................................................................... 14f c Deductions allocated and apportioned at shareholder level co ~ 9 Interest expense ................................................................................................................................. 149 of h Other ................................................................................................................................................ 14h Deductions allocated and apportioned at corporate level to foreign source income 0 u' i Passive cote o 9 ry ................................................................................................................................. 14i j General cate9ory .............................................:................................................................................... i4j k Other (attach statement) ........................................................................................................................ 14k Other information Total foreign taxes (check one): - ~ Paid 0 Accrued ............................................................... 141 mReduction in taxes available for credit (attach statement) .............................................................................. 14m n Other forei n tax information attach statement ....................................................................................... 15a Post-1986 depreciation adjustment ......................................................................................................... 15a 1055. x >~ E b Adjusted gain or loss ........................................................................................................................... 15b ~ °' c Depletion (other than oil and gas) .............................................................. .............................................. 15c ~, E d Oil, gas, and geothermal properties -gross income .................................................................................... 15d ~ 'a~¢ a Oil, gas, and geothermal properties -deductions .. ......... ......... ........ ......... ............................. 15e i Other AMT items attach statement ......................................................................................................... 15f ~ ~ 16 a Tax-exempt interest income .................................................................................................................. 16a b Other tax-exempt income ..................................................................................................................... 16b d o!~ a m t"o c Nondeductible expenses ........................................................................................................................ lfic im d Distributions (attach statement if required) ....................................... ........................................................ i6d d .. a Re a ment of loans from shareholders ................................................................................................... 16e ~ o 17a Investment income .............................................................................................................................. 17a r E ........................................ b Investment expenses . 17b . O `o c Dividend distributions paid from accumulated earnings and profits ............................................................... 17c ~ d Other items and amounts attach statement ............................... co v v 18 Income/loss reconciliation. Combine the amounts on lines 1 through 10 in the far right column. d_ ~'~ From the result, subtract the sum of the amounts on lines 11 throw h 12d and 141 .......................................... 18 - 5 5 2 9 . JWA a1nz1 02-15-11 Form 1 ~ 2U5 (2010) 09300401 350025 231925824 2010.03030 ACME MOVERS INC 23192581 Form 11205 (ZOto) ACME MOVER S INC L .S -1 y L 7 tS L 4 rayt; w Schedule L` Balance Sheets per Books Beginning of tax year End of tax year Assets (a) (b) (c) (d) 1 Cash ................................................. .. 2 a Trade notes and accounts receivable ,,,,,,,,, b Less allowance for bad debts ,,,,,,,,,,,,,,,,,, 3 Inventories .......................................... 4 U.S. government obligations ,,,,,,,,,,,,,,,,,, 5 Tax-exempt securities ..................... 6 Other current assets (att stmt) „ ,,,,,,,,,,, ........ ........ 7 Loans to shareholders ...... 8 Mortgage and real estate loans _._,,,,,,,,,, , ,,,, 9 Other investments (att. stmt) ,,,,,,,,,,,, , 1o a Buildings and other depreciable assets ...... 18 5 8 0 4. 18 5 8 0 4. b Less accumulated depreciation ,,,,,,,,,,,,,,, 138449. 47355. 143413. 42391. ...................... 11 a Depletable assets ........... ................ b Less accumulated depletion . . 12 Land (net of any amortization) ,,,,,,,,,,,,,,, 13 a Intangible assets (amortizable only) ,,,,,,,., b Less accumulated amortization ,,,,,,,,,,,,,,, 14 Other assets (att. stmt) ........................... 15 Total assets 7 3 5 5. 4 2 3 91. Liabilities and Shareholders' Equity 16 Accounts payable ................................. 17 Mortgages, notes, bonds payable In less than 1 year 18 Other current liabilities (att stmt) ,,,..,,.,... 19 Loans from shareholders 9 5 2 31. ' 9 5 7 9 6. ........................ notes, bonds payable in 1 year or more 20 Mortgages , 21 Other liabilities (att. stmt) ........................ 22 Capital stock 2 5 0 0 0. 2 5 0 0 0. 23 Additional paid-in capital ,,,,,,,,,,,,,,,,,,,,,,,, 24 Retained earnings Statement 3 -7287 -78405. ................................. 25 Adjustments to shareholders' equity (att. stmt.) ,,,,., 26 Less cost of treasury stock ( ( ) ,,,,,,,,,,,,,,,, ,,,, 27 Total liabilities and shareholders' equity ...... 4 7 3 5 5 . 4 2 3 91 . Sr_hedule M-i Reconciliation o f Income (Lossl per Books With Income (Loss) per Return Note: Schedule M-3 required instead of Schedule M-1 if total assets are $10 million or more -see instructions 1 Net income (loss) per books ,,,,,,,,,,,,,,,, - 5 5 2 9 . 5 Income recorded on books this year not 2 Income included on Schedule K, lines 1, 2, 3c, a, sa, 6, 7, 8a, 9, and 10, not recorded on books this year (icemize): included on Schedule K, lines 1 through 10 (itemize): aTax-exempt interest $ 3 Expenses recorded on books this year not included on Schedule K, lines 1 through 12 and 141(itemize): a Depreciation $ b T dentertainment$ l 6 Deductions included on Schedule K, lines 1 through 12 and 141, not charged against book income this year (itemize): a Depreciation $ rave an 7 Add lines 5 and 6 .......................................... 4 Add lines 1 throw n 3 .............................. - 5 5 2 9 . 8 Income (loss) (Schedule K, line 18). Llne 4 less line ~ ......... - 5 5 2 9 . Schedule M-'2 ` Analysis of Accumulated Adjustments Account, Other Adjustments Account, and Shareholders' Undistributed Taxable Income Previously Taxed (see instructions) (a) Accumulated adjustments account (b) Other adjustments aCCOUnt (c) Shareholders' undistributed taxable Income previously taxed 1 Balance at beginning of tax year ................................... . .. - 6 4 8 6 5 . - 8 011. .............. . . 2 Ordinary income from page 1, line 21 ................................................ 3 Other additions ......................................... .................................. ,,,,,, ,.......,... 4 Loss from page 1, line 21 ( 5 5 2 9) ; ,,,,,,,, ............................. 5 Other reductions .............................................. 6 Combine lines 1 through 5 ............................................. . - 7 0 3 9 4. - 8 011. ............. . ........................ 7 Distributions other than dividend distributions ............ 8 Balance at end of tax ear. Subtract line 7 from line 6 ........................... - 7 0 3 9 4 . - 8 011 . olliat 4 Form 1120S (2010) a,-n-„ JWA 09300401 350025 231925824 2010.03030 ACME MOVERS INC 23192581 H O a W 2 O O ~~ a~ °z •'~ a U Z ~ o ~' ~a a~ UA ¢ ~ a ~ D ~ O R d~ O O O O O O O O ~ c l0 lD ~- ° 01 01 aci ~ ~ ~ m op V C ~ ~ T 7 <") U rj~ 'o c C~ O Ln O O Lf1 00 M 00 d o ~l c~ C~ O Ln O M 'd~ rl ia Ol O L!7 r-I N M L~ 00 00 , ~ m O N t.() M lt7 lD ~ n O ~--I M Q~ ~ N O • Ln O O L!1 d0 •: M M o Ln ! c-1 L~ O Lf1 O M d~ L~ u°. iv M O Lf1 c-I N M L~ a0 e-1 ~'~ lD N Ln M L!7 d~ m n ~ ~ , O a i o .-a s--I ~--I .--I c M M ~ N ~ CO L N o N U 7 X W m y N O Lf1 O O U1 00 M e-1 d' y'~n ~ rl ~ O L11 O M d~ M O ti m M O lf1 ~--I N M l~ 00 l0 QO =o O ~ N'' Lf1 M Ul rl ~ ~a «. Lf) rf O =v ~ r"~ =_Z J r rte' r ~ r ~ t~ ~ r e..~ ~ l-'~ ~ 1"'~ l"I l"'~. Ln O O O O O O O O ~ O O O O O O O O J ~ ~ M l11 l.() l11 lfl In L11 L!1 o Q Q Q Q Q Q A Q L O O O O O O O O ,.a o 0 0 0 0 0 0 0 N N N N N N N OD 00 O 00 00 N LC1 l0 M 'O 00 QO 01 00 00 01 01 Q1 O °' ~ --I -~ --I c-I -I --I Ln N Lf') ~ e i e ~ p v' O O O O O s-I O N Q N N' 00 N N ~-1 N c-1 c-I i-~I O c-I rl .--{ O O O H H ~ ° Ea H i-+ A ~ .Q ~' a w ' H a ° ~ • x , ~ ~, o ~ w o a w w H w ~ ~ w w w a o ~ ~ w y 3 E-~ H H a O Z O N rl N M Lf1 C~ 00 Ol NZ Q C O U 7 C O N .~ Y .; N U N U N c O m ai c~ as of r c 0 .~ U I_- C"I 'o O ~ a v a~ N Q 0 O N~ O~ O 00 y H d ro c ,~ ~ .C N N ~ C V ri o r rn o o a o '~ ao o ' ..~ ;ti m o ,~ O N ~ ~ f1 O 1f1 tll O r ~ 'd~. O O 01 O L11 (d O O'Nr Orl cC C OD ~ ri ~c ~ .-~ N ~ O U Q d • O o O'O 0:0 0~ 0000.00 :. 0 0 0 0 0 0 OIL N 0 0 0 0 0 O • Y ~ ~ O O.O O C N N m .-I .-1 m v 3 d~ ~ ooOO'o o •~ -0 0 0 0 0 ~_~ goo ~o = 00 :o ~~ H ~ rn o ~ L ~ aoraoroo ~ ~ ~ a ~ ~ N '-I N '-1: N : Q O O O 0 0 0 rl, 'i rl'.'i -rl.'-I \\\.\\ ~ r ~-+ ~ .-i r<~ ~ N c+l :N : l'7 N (+1 N q' ~ o'. ~ q ~"~ ~ o';o 0 0.0 0 : ~~~~~~ Q O.N O N O N i LL \ \ ~ ~ ~ ~ rl-: a} rl cM ~ ~ O O o O P P r 111 N: ~` M: 'ri ~ GD N O ~ rl ~ ~ ' E ~ o o 7 O N: N z 9 I t0 : ~ r N ~ GD. O' ll1 ~ N ~ N E ro z E W. D F ~ H E ~ 7 ~ ~ W H ~ - a ~ m ro a~ n N t C f9 O N E c Form 1120S Department of the Treasury Internal Revenue Service (77) U.S. Income Tax Return for an S Corporation - Do not file this form unless the corporation has filed or is attaching Form 2553 to elect to be an S corporation. OMB Na. 1545-0130 2009 For calendar ear 2009 or tax year beginning ,and ending A Selection effective date Name D Employer identification number 06/05/1974 use IRS ACME MOVERS INC 23-1925824 B Business activity label. code number Other- Number, street, and room or suite no. If a P.O. box, see instructions. E Date incorporated (see instructions wise, 48100 print 14 DREXEL HILLS CIRCLE 03/01/1974 C Check if Sch. M-3 or type. City or town, state, and ZIP code F Total assets (see instructions) attached 0 NEW CUMBERLAND PA 17 0 7 0 $ 4 7 3 5 5. G Is the corporation electing to be an S corporation beginning with this tax year? Yes No If "Yes," attach Form 2553 if not already filed H Check if. (1) 0 Final return (2) 0 Name change (3) 0 Address change (4)0 Amended return (5) ~ S election termination or revocation 1 Enter the number of shareholders who were shareholders during any part of the tax year .............................................................................. - 2 Caution: Include only trade or business income and expenses on lines la through 21. See the instructions for more information. 1 a Gross receipts a sales b Less returns and allowances C Bal - 1C 2 Cost of goods sold (Schedule A, line 8) ...................................................................................................... 2 ~ 3 Gross profit Subtract line 2 from line 1c ................................................................................................... 3 4 Net gain (loss) from Form 4797, Part II, line 17 (attach Form 4797) ............................................................... 4 5 Other income (loss) (attach statement) ................................................................................................. 5 6 Total income loss .Add lines 3 through 5 ............................................................................................. - 6 y 7 Compensation of officers .............................................................................St3tement_..1....._.... 7 0 8 Salaries and wages (less employment credits) ............................................................................................. 8 9 Repairs and maintenance ........................................................................................................................ 9 E 10 Bad debts 10 `0 11 Rents ................................................................................................................................................... 11 w ~ 12 Taxes and licenses ................................................................................................................................. 12 13 Interest ................................................................................................................................................ 13 b 14 Depreciation not claimed on Schedule A or elsewhere on return (attach Form 4562) .............................. ............ 14 4 9 ~ 15 Depletion (Do not deduct oil and gas depletion.) ....................................................................................... 15 16 Advertising ..................... ............ 16 .., 17 Pension, profit-sharing, etc., Plans ..................... ......... ........ ...................... ......... ................. 17 N ~ o 18 Em to ee benefit ro rams P Y P 9 .................................................................................................................... 18 19 Other deductions (attach statement) ...............................................................S.t.a.t.eIri@.At....2.......... 19 7 5 0 . '~ d 20 Total deductions. Add lines 7 through 19 ................................................................................................ - 20 ~ 21 Ordinary business income (loss .Subtract line 20 from line 6 ........... ............................................................. 21 5 7 - 22 a Excess net passive income or LIFO recapture tax (see instructions) .................. 22a b Tax from Schedule D (Form 1120S) ......................................................... 22b c Add lines 22a and 22b .............................................................................. ............................................. 22c M 23 a 2009 estimated tax payments and 2008 overpayment credited to 2009 ..,,........ 23a a~i b Tax deposited with Form 7004 .................................................................. 23b c Credit for federal tax paid on fuels (attach Form 4136) ................................. 23c n. . d Add lines 23a through 23c ..................................................................................................................... 23d o ~ 24 Estimated tax penalty (see instructions). Check if Form 2220 is attached ....................................... - 0 24 ~ 25 Amount owed. if line 23d is smaller than the total of lines 22c and 24, enter amount owed .................................... 25 ~ 26 Overpayment. If line 23d is larger than the total of lines 22c and 24, enter amount overpaid ...... ...................... 26 27 Enter amount from line 26 Credited to 2010 estimated tax - Refunded - 27 Under penalties of perjury, I declare that 1 have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, It is true, correct, and complete. Declaration of preparer (other than taxpayer) is based on all Information of which preparar has any knowledge. May the IR discuss Sign this return with the Here ' ~ ' g eoa`(5~ ~ Sa.>7 Signature of officer Date Title ®Yes~ N Preparers' Date selfck if SSNeor PTIN Paid signature STEVEN W CPA FAHNESTOCK 0 3 / 31 / 10 employed © P O 018 2 6 9 6 Pre arer's , . p ' Use Onl ~/ Firm sname(or STEVEN W. FAHNESTOCK, CPA yoursHself- EIN employed), '1513 CEDAR CLIFF DRIVE address and 06-1664396 , ZIP code CAMP HILL , PA 17 011 Phone no. 71 7 - 7 3 7 - 5 4 6 6 JWA For Privacy Act and Paperwork Reduction Act Notice, see separate instructions. stnot tz-n-os 1 15260331 350025 231925824 2009.03020 ACME MOVERS INC Form 1120S (2009) 23192581 Form 1120S 2009 ACME MOVERS INC Schedule A` Cost of Goods Sold see instructions 2 3 -19 2 5 8 2 4 Pa e 2 1 Inventory at beginning of year .......... ................................................................................................................. 2 Purchases .. 1 .................................................................................................................................................... 3 Cost of labor .. 2 ................................................................................................................................................. 4 Additional section 263A costs (attach statement) ............. 3 .. .................... 5 Other costs (attach statement) .. _.. . . ......... . 5 ......................... Total. Add lines 1 through 5 ................................................................................. .. 8 ............................................ 7 Inventory at end of year ................ ............................................................... . 7 ............................................ 8 Cost of goods sold. Subtract line 7 from line 6. Enter here and on page 1, line 2 ................... . 8 ....................................... 9 a Check all methods used for valuing closing inventory: (i) 0 Cost as described in Regulations section 1 471-3 .. . (ii) 0 Lower of cost or market as described in Regulations section 1.471-4 (iii) ®Other (Specify method used and attach explanation) -N/A b Check if there was a writedown of subnormal goods as described in Regulations section 1.471-2(c) . c Check if the LIFO inventory method was adopted this tax year for any goods (if checked, attach Form 970) .......................... ... - d If the LIFO inventory method was used for this tax year, enter percentage (or amounts) of closing inventory .......................... computed under LIFO ........................................................................................................... ... 9d .......................... e If property is produced or acquired for resale, do the rules of Section 263A apply to the corporation? . Yes ~No i Was there any change in determining quantities, cost, or valuations between opening and closing inventory? ..... ......... " .. [] Yes 0 No Yes," attach explanation. .................. Schedule $ Other Information (see instructions) Yes No 1 Check accounting method: (a) Cash (b) Accrual (c) Other (specify) - 2 See the instructions and enter the: (a) Business activity -Transportation & Wdr@h(b) Product or service - 3 At the end of the tax year, did the corporation own, directly or indirectly, 50% or more of the voting stock of a domestic corporation? (For rules of attribution, see section 267(c).) If "Yes," attach a statement showing: (a) name and employer identification number (EIN), (b) percentage owned, and (c) if 100% owned, was a QSub election made? ............ X 4 Has this corporation filed, or is it required to file, a return under section 6111 to provide information on any reportable transaction? X ....................... heck this box if the corporation issued publicly offered debt instruments with original issue discount - 0 If checked, the corporation may have to file Form 8281, Information Return for Publicly Offered Original Issue Discount Instruments. 6 If the corporation: (a) was a C corporation before it elected to be an S corporation arthe corporation acquired an asset with a basis determined by reference to its basis (or the basis of any other property) in the hands of a C corporation and (b) has net unrealized built-in gain (defined in section 1374(d)(1)) in excess of the net recognized built-in gain from prior years, enter the net unrealized built-in gain reduced by net recognized built-in gain from prior years .................................................................. 7 Enter the accumulated earnings and profits of the corporation at the end of the tax year ................... $ 8 Are the corporation's total receipts (see instructions) for the tax year and its total assets at the end of the tax year less than $250,000? If "Yes," the cor oration is not re wired to complete Schedules L and M-1 ........................................................................ X Schedule K Shareholders' Pro Rata Share Items Total amount 1 Ordinary business income (loss) (page 1, line 21) _ ........ 1 - 5 714 . 2 Net rental real estate income (loss) (attach Form 8825)........~~~..~~~~ ....~~.~ ~ ~. ~~~~~ ~ ~~ .~~~~~~~ ~~~ .............. 2 3a Other gross rental income (loss) ............. 3a b Expenses from other rental activities (attach statement) ............... 3b ~, c Other net rental income (loss). Subtract line 3b from line 3a ................. 3c J 4 Interest income ............................................................. ......... 4 5 Dividends: a Ordinary dividends ............................................................................................................ 5a ~ b Qualified dividends ......................................................... 5b ................................................................................................... c 6 Royalties ......... ............................. 6 7 Net short-term capital gain (loss) (attach Schedule D (Form 1120S)) ..... 7 8a Net long-term capital gain (loss) (attach Schedule D (Form 1120S)) ......... ..... ...... ......... ............ 8a .... ... b Collectibles (28%) gain (loss) ............................................................ Sb c Unrecaptured section 1250 gain (attach statement) ......... ..... 8c 9 Net section 1231 gain (loss) (attach Form 4797) .. . _ g ........................ 10 10 Other income loss see instructions ......... T e - JWA semi ~z-n-os 2 15260331 350025 231925824 2009.03020 ACME MOVERS INC Form 1120$ (2009) 23192581 Form 1 120S (2009) ACME MOVERS INC 2 3 -19 2 5 8 2 4 Page 3 Shareholders' Pro Rata Share Items continued Total amount c 11 Section 179 deduction (attach Form 4562) .............. ... ......... 11 .......................................................... 0 12a Contributions ................................................................................................................................. 12a b Investment interest expense ...................................................................... 12b ............................................ o c Section 59(e)(2) expenditures (1)Type - (2) Amount - .................................................................................................................................... 12c(2) d Other deductions see instructions T e - 12d 13 a Low-income housing credit (section 42(j)(5)) ........ ...... ..,,,... .............................................................. 13a b Low-income housing credit (other) ......................................................................................................... 13b c Qualified rehabilitation expenditures (rental real estate) (attach Form 3468) 13c .............. .... U d Other rental real estate credits (see instructions) Type - 13d e Other rental credits (see instructions) .............„ Type - 13e f Alcohol and cellulosic biofuel fuels credit (attach Form 6478) ............. ........ 13f Other credits see instructions T e - 13 14 a Name of country or U.S. possession - b Gross income from all sources ................................................ ...................................................... 14b c Gross income sourced at shareholder level .................... .,,...... ........................................................ 14c Foreign gross income sourced at corporate level c d Passive category .................................................... ............................................................................. 14d o e General category ...................................................... ............ ............................................................... 14e f Other (attach statement) .................................................................................................................... 14f Deductions allocated and apportioned at shareholder level ~ g Interest expense ..............................................................:......... ........................ ................................ . 149 ,rn h Other ........................................................................ 14h ........................................................................ c Deductions allocated and apportioned at corporate level to foreign source income ~' i Passive category ................................................................................................................................. 14i j General cate9ory ................................................................................................................................. 141 k Other (attach statement) ........................................................................................................................ 14k Other information I Total foreign taxes (check one): - 0 Paid 0 Accrued ........... ..... 141 mReduction in taxes available for credit (attach statement) ......... ......... ......... ......... ......... ............. 14m n Other foreign tax information attach statement ....................................................................................... x 15a Post-1986 depreciation adjustment ................... ........................................................... 15a 10 5 5 . ~~ ~ b Adjusted gain or loss ............................................ 15b '- ' .............................................................................. ~« c De letion other than oil and as P ( 9 ) ........................................................................................................... 15c '- ~~ d Oil, gas, and geothermal properties -gross income ............................. 15d ¢~a a Oil, gas, and geothermal properties -deductions ...... ......... ......... ........ ...................................... 15e f Other AMT items attach statement ......................................................................................................... 15f c ~ ~° 16 aTax-exempt interest income .................................................................................................................. 16a ~ H ~L~N bOthertax-exempt income ..................................................................................................................... 16b a m co c Nondeductible expenses ................................. . 16c m .. .................................................................................... ~t d Property distributions ................................................ 16d y ........................................................................... «% a Re a ment of loans from shareholders ................................................................................................... 16e c 17a Investment income .,,.,...,... .................................................................................................................. 17a r ~ b Investment expenses ........................................................................................................................... 17b O~ c Dividend distributions paid from accumulated earnings and profits ,,,,,,,,,,,,,,,,, 17c c d Other items and amounts attach statement ......................... .c co 0 18 Income/loss reconciliation. Combine the amounts on lines 1 through 10 in the far right column. °C'~ From the result, subtract the sum of the amounts on lines 11 throw h 12d and 141 .......................................... 18 - 5 714 . JVVH sinzi ~z-»-os Form 1120S (2009) 15260331 350025 231925824 2009.03020 ACME MOVERS INC 23192581 Form 1120S (2009) ACME MOVE Schedule: L Balance Sheets er B k RS INC 2 3 -19 2 5 8 2 4 Page 4 p oo s Assets Beginnin g of tax year End of tax year 1 Cash (a) (b) (c) (d) 2 a Trade notes and accounts receivable ........ b Less allowance for bad debts .................. 3 I nventories 4 U.S.Governmentobligations .._........ 5 Tax-exempt securities 6 Other current assets (att stmt) 7 Loans to shareholders 8 Mortgage and real estate loans 9 Other investments (att. stmt) ,....._ ....... 1o a Buildings and other depreciable assets _,.... 18 5 8 0 4 . 18 5 8 0 4 . b Less accumulated depreciation ........ . ...... 11 D 13 3 4 8 5. 5 2 319. 13 8 4 4 9. 4 7 3 5 5. a epletable assets b Less accumulated depletion ........ 12 Land (net of any amortization) _ .. 13 a Intangible assets (amortizable only) ,...... b Less accumulated amortization ............... 14 Other assets (att. stmt) 15 Total assets ' 5 2 319. 4 7 3 5 5. Liabilities and Shareholders Equity 18 Accounts payable ........ ... ... . .... 17 Mortgages, notes, bonds payable in less than 1 year 18 Other current liabilities (att stmt) 19 Loans from shareholders ........................ 9 4 81. 9 5 2 31. 20 Mortgages, notes, bonds payable In 1 year or more 21 Other liabilities (att. stmt) . 22 Capital stock .. ...... ....... 2 5 0 0 0. 2 5 0 0 0. 23 Additional paid-in capital ....., ..... 24 Retained earnings ...... ......... ..... Statement 3 - 71 2. -72876. 25 Adjustments to shareholders' equity (att. stmt.) ....,, 26 Less cost of treasury stock . _......... ( ) ( ) 27 Total liabilities and shareholders' equity ..... Schedule M=1 '' Reconciliation of Note: Schedule M-3 requi Income (Loss) per red instead of Schedule M-1 i 5 2 319. Books With Income ( f total assets are $10 million o Loss) per Return r more -see instructions 4 7 3 5 5 . 1 Net income (loss) per books ............. - 5 714. 5 Income recorded on books this year not Z Income Included on Schedule K, Tines t, 2, 3c, 4, 5a, 6, 7, 8a, 9, and 10, not recorded on books this year (itemize): included on Schedule K, lines 1 through 10 (itemize): aTax-exempt interest $ 3 E xpenses recorded on books this year not included on Schedule K, lines 1 through 12 and 141(itemize): a Depreciation $ b Travel andentertainment$ B Deductions included on Schedule K, lines 1 through 12 and 141, not charged against book income this year (itemize); a Depreciation $ 7 Add lines 5 and 6 4 Add lines 1 throw h 3 ............................. - 5 714. 8 Income (loss) (Schedule K, line 18). Line 4 less line 7 ......... - 5 714 Schedule M-2 Analysis of Accumulated Adjustment Shareholders' Undistributed Taxable s Account, Other Adjustments Account, and Income Previously Taxed (see instructions) (a) Accumulated adjustments account (b) Other adjustments aCCOUnt (c) Shareholders' undistributed taxable Income previously taxed 1 Balance at beginning of tax year .................... ........ ....... - 5 9151. - 8 011. 2 Ordinary income from page 1, line 21 ................................................ 3 Other additions ........................................................................... 4 Loss from page 1, line 21 ............................................................... ( 5 714 5 Other reductions ........................................................................... 8 Combine lineslthrough5 ................... -64865. -8011. 7 Distributions other than dividend distributions 8 Balance at end of tax ear. Subtract line 7 from line 6 .. ......................... - 6 4 8 6 5 . - 8 011 . 911731 dWA Form 1120S (2009) 15260331 350025 231925824 2009.03020 ACME MOVERS INC 23192581 Form 1120S U•S. Income Tax Return for an S Corporation OMB No. 1545-0130 - Do not file this form unless the corporation has filed or is Department of the Treasury attaching Form 2553 to elect to be an S corporation. 2008 Internal Revenue Service (77) For calendar ear 2008 or tax year beginning ,and ending A Selection effective date Name 0 6/ 0 5/ 19 7 4 Use D Employer identification number the IRS B Business activity Zabel. ACME MOVERS INC 2 3 -19 2 5 8 2 4 code number Other- (seeinstructions) Number, street, and room or suite no. If a P.O. box, see instructions. E Date incorporated 481000 wise, 14 DREXEL HILLS CIRCLE C Check if Sch. M-3 Print 0 3 / 01 / 19 7 4 attached or type. City or town, state, and ZIP code f Total assets (see instructions) ~ NEW CUMBERLAND PA 17070 $ 52319. G Is the corporation electing to be an S corporation beginning with this tax year? Yes No If "Yes," attach Form 2553 if not already filed H Check if: (1) 0 Final return (2) [~ Name change (3) [~ Address change (4)0 Amended return (5) ~ S election termination or revocation I Enter the number of shareholders who were shareholders during any part of the tax year ......................... - 2 Caution: Include only trade or business income and expenses on lines 1 a through 21. See the instructions for more information. 1 8 Gross receipts or sales 1 7 5 0 1. b Less returns and allowances C Bal - 1C 1 7 5 0 1. 2 Cost of goods sold (Schedule A, line 8) ~, .................................................... 2 E 3 Gross profit Subtractline2fromline 1c ~~~~ ~ ~~~~~~~~~ ~~~~~~~~~~~~~~~~' ~"~~'~ ~~" ................................................................................................... 3 17 5 01. ~ 4 Net gain (loss) from Form 4797, Part II, line 17 (attach Form 4797) - ............................................................... 4 5 Other income (loss) (attach statement) ............................................................ 5 6 Total income Toss .Addlines3throu h5 ~ ~~~~~~~ ~~~~~~~~~~~~~~~~~~~~ ~~~" ~' .... 9 .............................................................. ................. - s 17 5 01. ............. . y Compensation of officers Statement 1 7 0 8 Salaries and wages (less employment credits) ... ............................................................................................. 8 '° 9 Repairs and maintenance 9 ~= ........................................................................................................................ 7 2 . ~ 10 Bad debts • ................................................. 10 w 11 Rents ................................................................................................................................................... 11 2 612 . H 12 Taxes and licenses ~ ................................................................................................................................. 12 13 Interest ................ 13 b 14 Depreciation not claimed on Schedule A or elsewhere on return (attach Form 4562) . _........ 14 4964. c 15 Depletion (Do not deduct oil and gas depletion.) 15 ....................................................................................... y 16 Advertising ....................... 16 ................................................................................................................ N ~- 17 Pension, profit-sharing, etc., plans ............................................................................................................ 17 0 18 Employee benefit programs ............................................................................................ 18 ....................... ~ 19 Other deductions (attach statement) ...............................................................S.t.3t.@Il0.@11t....2......... 19 2 713 4 . '° 20 Total deductions. Add lines 7 through 19 .......... c ...................................................................................... - 20 34782. 21 Ordinary business income (loss). Subtract line 20 from line 6 ........... .................. 21 -17 2 81 . ) . ..................22a.................... 22 a Excess net passive income or LIFO recapture tax (see instructions ................. b Tax from Schedule D (Form 1120S) ....................................................... 22b c Add lines 22a and 22b ......................................................................................................................... 22c 23 a 2008 estimated tax payments and 2007 overpayment credited to 2008 .... 23a b Tax deposited with Form 7004 ..... .... ..... ... ..... ... ... 23b ~ c Credit for federal tax paid on fuels (attach Form 4136 ................................. 23c °' d Add lines 23a through 23c ..... ....... . v .. ... .. .. ...................................................... 23d ~ 24 Estimated tax penalty (see instructions). Check if Form 2220 is attached ....................................... - 0 24 ~ 25 Amount owed. If line 23d is smaller than the total of lines 22c and 24, enter amount owed 25 26 Overpayment. If line 23d is larger than the total of lines 22c and 24, enter amount overpaid ...... .......... 26 ............ Enter amount from line 26 Credited to 2009 estimated tax - Refunded - 27 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 preparar (other than taxpayer) is based on all Information of which preparer has any knowledge. Sign May the IR discuss Here I this return with the preparer shown below (see insV.)7 Signature of officer Date Title ®YesO N Preparers' Date Check if Preparer's Paid signature ~ self- SSN or PTIN Preparer's STEVEN W. FAHNESTOCK CPA 0 3/ 0 7/ 0 9 employed ® P O 018 2 6 9 6 Forurs if sell (°` STEVEN W . FAHNESTOCK , CPA Use Only employed), '1513 CEDAR CLIFF DRIVE EIN address, and 06-1664396 ZlPcode CAMP HILL, PA 17011 717-737-5466 Phone no. JWA For PrivacyAct and Paperwork Reduction Act Notice, see separate instructions. Form 1120S (2008) s1no1 12-31-OB 1 08290307 350025 231925824 2008.03000 ACME MOVERS INC 23192581 Form 1120S 2008 ACME MOVERS INC Schedule A Cost of Goods Sold see instructions 2 3 -19 2 5 8 2 4 Pa e 2 1 Inventory at beginning of year ........................... .............................................................................................. 2 Purchases .. 1 ................................................................................................................................................. 3 Cost of labor .. 2 ...................................................................................................................... 4 Additional section 263A costs (attach statement) 3 .......................................................................................... 5 Other costs (attach statement) ~`~~'~ ~ 4 ~ ............................................................................................................................ 6 Total. Add lines 1 through 5 5 .. ............................................................................................................................ 7 Inventory at end of year .. 8 ••.._...... 8 Cost of goods sold. Subtract line 7 from line 6. Enter here and on page 1 line 2 7 , .......................................................... 9 a Check all methods used for valuing closing inventory: (i) ~ Cost as described in Regulations section 1 471-3 .. 8 . (ii) ~ Lower of cost or market as described in Regulations section 1.471-4 (iii) ®Other (Specify method used and attach explanation) -N/A b Check if there was a writedown of subnormal goods as described in Regulations section 1.471-2(c) •...•..... c Check if theLlFOinventorymethodwasadoptedthistax ear for an ~~~•~ ~~ •~ y y goods (if checked, attach Form 970) ..••...•• • ~ ~•~~~••~~~~~ ~' ~~ ~"~ ~ - - 0 d If the LIFO inventory method was used for this tax year, enter percentage (or amounts) of closing inventory ~ ~ ~ ~ computed under LIFO ........................................................................................................... 9d .............................. e If property is produced or acquired for resale, do the rules of Section 263A apply to the corporation? . ~ f Was there any change in determining quantities, cost, or valuations between opening and closing inventory? " Yes No ~ Yes (~ N ... If Yes."attachexolanatinn ~~~~~~""~ ~~' ~ ~` o ~~ • ~• ~ •~ ~• ~~ 5cnedule B Other Information (see instructions i Check accounting method: (a) Cash (b) Accrual (c) Other (specify) - 2 See the instructions and enter the: (a) Business activity -TranSportatiOn & War2h(b) Product or service - 3 At the end of the tax year, did the corporation own, directly or indirectly, 50% or more of the voting stock of a domestic corporation? (For rules of attribution, see section 267(c).) If "Yes," attach a statement showing: (a) name and employer identification number (EIN), (b) percentage owned, and (c) if 100% owned, was a OSub election made? 4 Has this corporation filed, or is it required to file, a return under section 6111 to provide information on any reportable transaction? 5 Check this box if the corporation issued publicly offered debt instruments with original issue discount ...................................... c ecked, the corporation may have to file Form 8281, Information Return for Publicly Offered Original Issue Discount Instruments. 6 If the corporation: (a) was a C corporation before it elected to be an S corporation orthe corporation acquired an asset with a basis determined by reference to its basis (or the basis of any other property) in the hands of a C corporation and (b) has net unrealized built-in gain (defined in section 1374(4)(1)) in excess of the net recognized built-in gain from prior years, enter the net unrealized built-in gain reduced by net recognized built-in gain from prior years - $ ......................................................................... ... . ............................................ 7 Enter the accumulated earnings and profits of the corporation at the end of the tax year .............. $ 8 Are the corporation's total receipts (see instructions) for the tax year and its total assets at the end of the tax year less than $250,000? If "Yes," the cor oration is not re wired to complete Schedules L and M-1 ................................................ Schetlule?K` Shareholders' Pro Rata Share Items 1 Ordinary business income (loss) (page 1, line 21) . 1 2 Net rental real estate income (loss) (attach Form 8825) ........................... ..... 2 ..... 3a ..... .................... 3a Other gross rental income (loss) ............... b Expenses from other rental activities (attach statement) ...... ...... 3b y c Other net rental income (loss). Subtract line 3b from line 3a 3i ..................................................... ~ 4 Interest income ................................................................................................................................. 4 5 Dividends: a Ordinary dividends ........................ 5~ .......................................... . ...................... ~ b Qualified dividends ......................................................... 5b ..................... ~ X Total amount Yes I No X ~ 6 Royalties ............................................................. ............................................................................. 6 7 Net short-term capital gain (loss) (attach Schedule D (Form 1120S)) ,........... 7 .................. a et long-term capital gain (loss) (attach Schedule D (Form 1120S)) ............................................................... 8a b Collectibles (28%) gain (loss) ............................................................ 8b c Unrecaptured section 1250 gain (attach statement) ............. 8c 9 Net section 1231 gain (loss) (attach Form 4797) .................................. .............................. ........ .. 9 10 Other income loss see instructions ......... T e - 10 JWA Form 11 ai»1i 1231-OB ........................ ............ - 0 (2008) 2 08290307 350025 231925824 2008.03000 ACME MOVERS INC 23192581 Form 1 120S (2008) ACME MOVERS INC 2 3 -19 2 5 8 2 4 Page 3 Shareholders' Pro Rata Share Items continued Total amount H 11 Section 179 deduction (attach Form 4562) ........ . 11 0 .. ............ ...................................................................... .,, 12a Contributions .................................................................................................................................... 12a b Investment interest expense .................................................................... 12b .............................................. o c Section 59(e)(2) expenditures (1) Type - (2) Amount - .................................................................................................................................... 12c(2 d Other deductions see instructions T e - 12d 13a Law-income housing credit (section 42(j)(5)) .,...,. ................................................................................... 13a b Low-income housing credit (other) ......................................................................................................... 13b c Qualified rehabilitation expenditures (rental real estate) (attach Form 3468) 13c ................. d V d Other rental real estate credits (see instructions) Type - 13d e Other rental credits (see instructions) T e ............... YP - 13e f Alcohol and cellulosic biofuel fuels credit (attach Form 6478) ............... . ........ 13f Other credits see instructions T e - 13 14 a Name of country or U.S. possession - b Gross income from all sources ............................................................................................................... 14b c Gross income sourced at shareholder level ........... .... 14c Foreign gross income sourced at corporate level c d Passive cate9ory ................................................................................................................................. 14d o .. e General cote o 9 ry ................................................................................................................................. 14e ~ f Other (attach statement ) ....................................... . 14f y . ............................................................................ ~ Deductions allocated and apportioned at shareholder level ~ g Interestexpense ................................................... . 149 . ............................................................................ o~ h Other ..................................................... 14h ........................................................................................... a Deductions allocated and apportioned at corporate level to foreign source income i Passive cate9ory ................................................................................................................................. 14i j General cate9ory .............................................................................. ................................................... 14j k Other (attach statement) ............................ ..................................................................................... 14k Other information I Total foreign taxes (check one): - ~ Paid 0 Accrued .......................... 141 mReduction in taxes available for credit (attach statement) .................. ......... ......... ......... .................. 14m n Otherforei n tax information attach statement ............................................................... .................. .. 15a Post-1986 depreciation adjustment ........................... ........................................................... 15a 10 5 5 . >F ~ b Adjusted gain or loss ............................ 15b ~ ~ ~' ............................................................................................... c~ c De letion other than oil and as P ( 9 ) ................... 15c ~ ......................................................................................... d ~ d Oil, gas, and geothermal properties -gross income 15d ........................ ¢~a a Oil, gas, and geothermal properties -deductions ........ ..... 15e f Other AMT items attach statement .................. ......... ......... ......... ......... ......... .................. 15f c ~ 18 a Tax-exempt interest income .................................................................................................................. 18a d c w bOthertax-exempt income .,,. ................................. 18b ................................................................................ ¢ dm c Nondeductible expenses ........................................................................................................................ 16c ~,= d Property distributions ............................ 16d '~ ............................................................................................... = a Repa ment of loans from shareholders ............................................................................................ . 16e 0 . ..... 17a Investment income ............ . 17a ~~ . ................................................................................................................ ,_ ~ .. b Investment expenses ..., ....................................................................................................................... 17b O~ c c Dividend distributions paid from accumulated earnings and profits ....._,, . ... ... 17c d Other items and amounts attach statement ................................ .c 18 Income loss reconciliation. Combine the amounts on lines 1 through 10 in the far right column. °C~~ From the result, subtract the sum of the amounts on lines 11 throw h 12d and 141 18 -17 2 81 . JYYH 811721 1231-08 Form 1120S (2008) 08290307 350025 231925824 2008.03000 ACME MOVERS INC 23192581 Form 1120S (2008) ACME MOVERS INC 23-1925R2d Pane4 ,CnedUle L Balance Sheets per Books Beginning of tax year End o f tax year Assets (a) (b) (c) (d) 1 Cash 2 a Trade notes and accounts receivable ...... b Less allowance for bad debts .................. 3 Inventories .......................................... 4 U.S.Governmentobligations ...._.._ _. 5 Tax-exempt securities 6 Other current assets (att. stmt) 7 Loans to shareholders 8 Mortgage and teat estate loans 9 Other investments (att stmt) .............. 10 a Buildings and other depreciable assets _.._. 18 5 8 0 4 . 18 5 8 0 4 . b Less accumulated depreciation ............... 128521. 57283. 133485. 52319. 11 a Depletable assets b Less accumulated depletion ................. 12 Land (net of any amortization) ,........ . 13 a Intangible assets (amortizable only) ,_...,,,, b Less accumulated amortization ............... 14 Other assets (att stmt) , 15 Total assets ..................................... 57283. 52319. Liabilities and Shareholders' Equity 16 Accounts payable .............. ...... ......... f ~ Mortgages, notes, bonds payable in less than 1 year 18 Other current liabilities (att. stmt) i9 Loans from shareholders ........................ 8 216 4 . 9 4 4 81 . 20 Mortgages, notes, bonds payable in 1 year or more 21 Other liabilities (att stmt) ............... .... .. : 22 Capital stock ............. ................. 2 5 0 0 0. 2 5 0 0 0. 23 Additional paid-in capital ......... . .. .. 24 Retained earnings , ._....,, Statement 3 -49881. ' -67162. 25 Adjustments to shareholders' equity (att. stmt.) ...,,, 26 Less cost of treasury stock ............. . 27 Total liabilities and shareholders' a wily ...... 5 7 2 8 3 . 5 2 319 . Schedule M-1 Reconciliation of Note: Schedule M-3 requ Income (Loss) per ired instead of Schedule M-1 i Books With Income (Loss) per Return f total assets are $10 million or more -see instructions 1 Net income (loss) per books ..... __. .... -17 2 81 . 5 Income recorded on books this year not 2 Income included on Schedule K, lines 1, 2, 3c, 4, fie, 6, 7, 8a, 9, and 10, not recorded on books this year (Itemize>. included on Schedule K, lines 1 through 10 (itemize): aTax-exempt interest $ 3 Expenses recorded on books this year not included on Schedule K, lines 1 through 12 and 141(itemize): a Depreciation $ b Travel andenterlainmentS 6 Deductions included on Schedule K, lines 1 through 12 and 141, not charged against book income this year (itemize): a Depreciation $ 7 Add lines 5 and 6 .......................................... 4 Add lines 1 throw h 3 .............................. -17 2 81 . 8 Income (loss) (Schedule K, line 18). Line 4 less line 7 ,........ - 17 2 81 . ~,,,,,,,,,,,~ ,, ,, Analysis of Accumulated Adjustment s Account. Other Adiustmr~ntc e~~.,~~.,+ ~.,a -- -- -" Shareholders' 1 Balance at beginning of tax year ........................ . 2 Ordinary income from page 1, line 21 ,,,,,,,,,,,,,, ............................ 3 Other additions ...................................................................... 4 Loss from page 1, line 21 ........................................................... 5 Other reductions ...................................................................... 6 Combine lines 1 through 5 ........................ .. ........ . ...... 7 Distributions other than dividend distributions ............................... 8 Balance at end of tax year. Subtract line 7 from line 6 ............. 811731 iz-3l-oa JWA .~ - 08290307 350025 231925824 2008.03000 ACME MOVERS INC Taxed (see instructions uted Taxable Income Previous (a) Accumulated adjustments account _d1 f27 (b) Other adjustments account -8011. -8011. (c) Shareholders' undistributed taxable Income previously taxed Form 1120S (2008) 23192581 F 1120S U.S. Income Tax Return for an S Corporation OMB No. 1545-0130 orm - Do not file this form unless the corporation has filed or is Department of the Treasury attaching Form 2553 to elect to be an S corporation. 2007 Internal Revenue Service For calendar year 2007, or tax year beginning ,and ending A Selection effective date Name D Employer identification number 06/05/1974 use e Business activi ~ the IRS label ACME MOVERS INC 2 3 -19 2 5 8 2 4 code number ' (see instructions) Other- Number, street, and room or suite no. If a P.O. box, see instructions. E Date incorporated 481000 wise, rint 14 DREXEL HILLS CIRCLE 03/01/1974 C Check if Sch. M-3 p or type. Ciiy or town, state, and ZIP code F Total assets (see instructions) attached ~ NEW CUMBERLAND PA 17 0 7 0 $ 5 7 2 8 3. is the corporation electing to bean 5 corporation beginning with this tax year? LJ Yes LXJ No If "fes,"attach Form 2553 if not already filed H Check if: (1) ~ Final return (2) ~ Name change (3) 0 Address change (4)0 Amended return (5) 0 S election termination or revocation Enter the number of shareholders in the corporation at end of the tax year ................................................................................................... - 2 Caution: Include only trade or business income and expenses on lines 1 a through 21. See the instructions for more information. 1 a Gross receipts or sales 3 4 2 6 0. b Less returns and allowances C Bal - 1 C 3 4 2 6 0. 2 Cost of goods sold (Schedule A, line 8) ...................................................................................................... 2 ~ 3 Gross profit Subtract line 2 from line 1c 3 3 4 2 6 0 ................................................................................................... . ~ 4 Net gain (loss) from Form 4797, Part II, line 17 (attach Form 4797) ................................... .. 4 5 Other income (loss) (attach statement ................................... ........ ......... .................................. 5 8 Total income loss .Add lines 3 throw h 5 ............................................................................................. - 8 3 4 2 6 0. y 7 Compensation of officers Statement 1 ........................................................................................................................ 7 0 8 Salaries and wages (less employment credits) ............................................................................................. g ~ Y 9 Repairs and maintenance ........................................................................................................................ 9 3 0 9 9. 10 Bad debts ............................................................................................ 10 w 11 Rents ................................................................................................................................................... t1 4346. y c 12 Taxes and licenses ................................................................................................................................ 12 13 Interest ................................................... . 13 . ........................................................................................... b 14 Depreciation not claimed on Schedule A or elsewhere on return (attach Form 4562) .................. ...... 14 4 9 6 4 . c 15 Depletion (Do not deduct oil and gas depletion.) 15 ....................................................................................... N 18 Advertising .......................................................................................................................................... 16 ~- 17 Pension, profit-sharing, etc., plans 17 y .................................... ........................................................................ c 18 Employee benefit programs ..................................................................................................................... 18 19 Other deductions (attach statement) ............................. ... S t a t emerit 2 19 2 2 8 2 6 . .............................. . . . . ... .......... . G 20 Total deductions. Add lines 7 through 19 ......................... - 20 3 5 2 3 5 . 21 Ordinary business income loss). Subtract line 20 from line 6 .. ...................................................................... 21 - 9 7 5 . 22 a Excess net passive income or LIFO recapture tax (see instructions) .................. 22a b Tax from Schedule D (Form 1120S) ......................................................... 22b c Add lines 22a and 22b .............................................................................. ............................................. 22c 23 a 2007 estimated tax payments and 2006 overpayment credited to 2007 ..,......__ 23a . b Tax deposited with Form 7004 ................................................................. 23b ~ c Credit for federal tax paid on fuels (attach Form 4136) .........:....................... 23c a d Add lines 23a through 23c 23d ~ 24 Estimated tax penalty (see instructions). Check if Form 2220 is attached ........... ............ - 0 24 ~ 25 Amount owed. If line 23d is smaller than the total of lines 22c and 24 enter amount awed 25 , ................................. 28 Overpayment. If line 23d is larger than the total of lines 22c and 24, enter amount overpaid ...... ...................... 28 27 Enter amount from line 26 Credited to 2008 estimated tax - Refunded - 27 Under penalties of perjury, I declare that 1 have examined this return, Including accompanying schedules and statements, and to the best of my knowledge and belief, It is true, correct, and complete. Declaration of preparer (other than taxpayer) Is based on all information of which preparer has any knowledge. Sign tnisyreturn withsthe s Here preparer shown below (see instr.)9 Signature of officer Date Title ©YesON Paid Preparers' Date Check if self- Preparer's SSN or PTIN r Pre arers signature STEVEN W. FAHNESTOCK , CPA 0 3/ 11 / 0 8 employed ® P O 018 2 6 9 6 p Firm's name (or Use Only STEVEN W . FAHNESTOCK , CPA e ~ EIN mpoyed) '1513 CEDAR CLIFF DRIVE address, and 06-1664396 ZIP code CAMP HILL , PA 17 011 Phone no. 71 7 - 7 3 7 - 5 4 6 6 JWA For Privacy Act and Paperwork Reduction Act Notice, see separate instructions. ~tnot tz-ze-o~ 1 07030311 350025 231925824 2007.05000 ACME MOVERS INC Form 1120S (2007) 23192581 =orm 112os 2007 ACME MOVERS INC 2 3 -19 2 5 8 2 4 Pa e z Schedule: A Cost of Goods Sold see instructions 1 Inventory at beginning of year ................................................................................................................. 1 ........... 2 Purchases ................................................................................................................................................. .. .. 2 3 Cost of labor ................................................................................................................................................. .. 3 4 Additional section 263A costs (attach statement) ................................................ ........................................ 4 5 Other costs (attach statement) ............................................................................................................................ .. 5 6 Total. Add lines 1 through 5 ............................................................................................................................ g . . 7 Inventory at end of year ~ 8 Cost of goods sold. Subtract line 7 from line 6. Enter here and on page 1, line 2 ................................ . 8 . ........................ 9 a Check all methods used for valuing closing inventory: (i) 0 Cost as described in Regulations section 1.471-3 .. (ii) ~ Lower of cost or market as described in Regulations section 1.471-4 (iii) ®Other (Specify method used and attach explanation) -N/A b Check if there was a writedown of subnormal goods as described in Regulations section 1.471-2(c) . - c Check if the LIFO inventory method was adopted this tax year for any goods (if checked, attach Form 970) ................... _ .. ... - 0 d If the LIFO inventory method was used for this tax year, enter percentage (or amounts) of closing inventory computed under LIFO ........................................................................................................................................ .. 9d e If property is produced or acquired for resale, do the rules of Section 263A apply to the corporation? ........... ....... Yes No f Was there any change in determining quantities, cost, or valuations between opening and closing inventory? ......... ....... ....... ~ Yes 0 No If "Yes 'attach exolanation. Schedule B': Other Information (see instructions) Yes No 1 Check accounting method: (a) Cash (b) Accrual (c) Other (specify) - 2 See the instructions and enter the: (a) Business activity -Transportation & Wareh(b) Product or service - 3 At the end of the tax year, did the corporation own, directly or indirectly, 50% or more of the voting stock of a domestic corporation? (For rules of attribution, see section 267(c).) If "1'es," attach a statement showing: (a) name and employer identification number (EIN), (b) percentage owned, and (c) if 100% owned, was a OSub election made? ........................... ......... X 4 Has this corporation filed, or is it required to file, a return under section 6111 to provide information on any reportable transaction? ................. ...... X 5 Check this box if the corporation issued publicly offered debt instruments with original issue discount .............................. . - 0 If checked, the corporation may have to file Form 8281, Information Return for Publicly Offered Original Issue Discount Instruments. 6 If the corporation: (a) was a C corporation before it elected to be an S corporation orthe corporation acquired an asset with a basis determined by reference to its basis (or the basis of any other property) in the hands of a C corporation and (b) has net unrealized built-in gain (defined in section 1374(d)(1)) in excess of the net recognized built-in gain from prior years, enter the net unrealized built-in gain reduced by net recognized built-in gain from prior years ............................................................................................................. - $ ............................. 7 Enter the accumulated earnings and profits of the corporation at the end of the tax year .............................. $ 8 Are the corporation's total receipts (see instructions) for the tax year and its total assets at the end of the tax year less than $250,000? If "Yes," the cor oration is not required to com lete Schedules L and M-1 ......................................... ............................... X Schedule. K' Shareholders' Pro Rata Share Items Total amount 1 Ordinary business income (loss) (page 1, line 21) . ...................................................................................... 1 - 9 7 5 . 2 Net rental real estate income (loss) (attach Form 8825) ............................................................................. 2 3a Other gross rental income (loss) .......................................... 3a b Expenses from other rental activities (attach statement) .... ............ 3b 'w c Other net rental income (loss). Subtract line 3b from line 3a ...................... ........... 3c J 4 Interest income ........................................................ ......... ......... ......... ......... ................. 4 m 5 Dividends: a Ordinary dividends ............................................................................................................ 5a b Qualified dividends ............................................. ..... 5b ~ 6 Royalties ............................................................................................................................. g 7 Net short-term capital gain (loss) (attach Schedule D (Form 1120S)) .............................. 7 8a Net long-term capital gain (loss) (attach Schedule D (Form 1120S)) .. ..... .... ......... ............... ... .... 8a b Collectibles (28%) gain (loss) .................................................. .... 8b c Unrecaptured section 1250 gain (attach statement) ................................ Sc 9 Net section 1231 gain (loss) (attach Form 4797) .......................... ...................................................... g 10 Other income loss see instructions ......... T e - 10 JWA Form 1120S (2007) ~inii iz-zs-o~ 2 07030311 350025 231925824 2007.05000 ACME MOVERS INC 23192581 Form 1 120S (2007) ACME MOVERS INC 2 3 -19 2 5 8 2 4 Page 3 Shareholders' Pro Rata Share Items continued Total amount H 11 Section 179 deduction (attach Form 4562) ................................................................................................ 11 0 +,, 12 a Contributions ................................................................................................................................. 12a _ ~ b Investment interest expense .................................................................................................................. 12b o c Section 59(e)(2) expenditures (1)Type - (2) Amount - .................................................................................................................................... 12c(2) d Other deductions see instructions T e - 12d 13alow-income housing credit (section 42(1)(5)) ......................................................................................... 13a b Low-income housing credit (other) ......................................................................................................... 13b w c Qualified rehabilitation expenditures (rental real estate) (attach Form 3468) ...................................................... 13c d d Other rental real estate credits (see instructions) Type - 13d V e Other rental credits (see instructions) T e - ............... YP 13e f Credit for alcohol used as fuel (attach Form 6478) .......................... ,...._,..................... ............................ 13f g Other credits see instructions T e - 13 14 a Name of country or U.S. possession - b Gross income from all sources ............................................................. .................................................. 14b c Gross income sourced at shareholder level .........................:.......................................................... 14c Foreign gross income sourced at corporate level y d Passive cate9ory ................................................................................................................................. 14d o . e General cate9ory ................................................................................................................................. 14e . ~ f Other (attach statement) ..................................................................................................................... 14f Deductions allocated and apportioned at shareholder level ~ g Interest expense ................................................................................................................................. 14g ,o> h Other ................................................................................................................................................ 14h c Deductions allocated and apportioned at corporate level to foreign source income LL i Passive cate9ory ................................................................................................................................. 14i j General cate9ory ................................................................................................................................. 141 k Other (attach statement) ........................................................................................................................ 14k Other information Total foreign taxes (check one): - ~ Paid ~ Accrued .................................................. ...... 141 mReduction in taxes available for credit (attach statement) .............................................................................. 14m n Other foreign tax information attach statement ....................................................................................... 15 a Post-1986 depreciation adjustment ......................................................................................................... 15a 10 5 5 . >~ E b Adjusted gain or loss ........................................................................................................................... 15b ~ ~' c Depletion other than oil and as ( 9 ) ............................................................................................................ 15c ;; ~~ d Oil, gas, and geothermal properties -gross income 15d aka a Oil, gas, and geothermal properties -deductions ...................................................................... ....... .. 15e f Other AMT items attach statement ........................................... ......... .............................................. 15( c~ 16aTax-exempt interest income .................................................................................................................. 16a ~ y bOthertax-exempt income ..................................................................................................................... 16b r w ~m c Nondeductible expenses ........................................................................................................................ 16c Er d Propertydistributions ............................... ..,,,,,,,,,,., .............................................................................. 16d °%N a Re a ment of loans from shareholders ................................................................................................... 16e 0 17a Investment income ............................................... ............................................................................... 17a .. ~. t ~ b Investment expenses _ .......................................................................................................................... 17b o $ w c Dividend distributions paid from accumulated earnings and profits ............................................................ 17c ~ d Other items and amounts attach statement .c co m 18 Income/loss reconciliation. Combine the amounts on lines 1 through 10 in the far right column. °C~~ From the result, subtract the sum of the amounts on lines 11 throw h 12d and 141 .......................................... 18 - 9 7 5 . JWA 711721 12-26-07 Form 1120S (2007) 07030311 350025 231925824 2007.05000 ACME MOVERS INC 23192581 Form 1120S (2007) ACME MOVERS INC 23-19?.5824 Paae4 Schedule L' Balance Sheets per Books Beginning of tax year End of tax year Assets (a) (b) (c) (d) 1 Cash 2 a Trade notes and accounts receivable b Less allowance for bad debts .................. 3 Inventories 4 U.S. Government obligations .................. 5 Tax-exempt securities 6 Other current assets (att stmt) 7 Loans to shareholders 8 Mortgage and real estate loans ............... 9 Other investments (att stmt) 10 a Buildings and other depreciable assets ...... 18 5 8 O 4 . 18 5 8 0 4 . b Less accumulated depreciation _.._...._... 123557. 62247. 128521. 57283. 11 a Depletable assets ............................... b Less accumulated depletion ............. . 12 Land (net of any amortization) .....,, 13 a Intangible assets (amortizable only) _._... b Less accumulated amortization ............... 14 Other assets (att stmt) . ........ ....... 15 Total assets ........................ .... 62247. 57283. Liabilities and Shareholders' Equity 16 Accounts payable ............... _ 17 Mortgages, notes, bonds payable in less than 1 year 18 Other current liabilities (att stmt) _..,,.,,,.,, 19 Loans from shareholders ........................ 8 615 3 . 8 216 4 . 2U Mortgages, notes, bonds payable in 1 year or more 21 Other liabilities (att stmt) ........................ 22 Capital stock .................. ................ 25000. 25000. 23 Additional paid-in capital ........................ 24 Retained earnings ............ ................. Statement 3 -48906. -49881. 25 Adjustments to shareholders' equity (att. stmt.) .,.,,, 26 Less cost of treasury stock ..................... ) 27 Total liabilities and shareholders' equity ...... 6 2 2 4 7. 5 7 2 8 3. Schedule'M-1 Reconciliation of Note: Schedule M-3 requ Income (Loss) per ired instead of Schedule M-1 i Books With Income (Loss) per Return f total assets are $10 million or more -see instructions 1 Net income (loss) per books .................. - 9 7 5 . 5 Income recorded on books this year not 2 Income Included on Schedule K, Ilnes 1, 2, 3c, 4, sa, 6, 7, 8a, 9, and 10, not recorded on books this year (itemsze): included on Schedule K, lines 1 through 10 (itemize): aTax-exempt interest $ 3 Expenses recorded on books this year not included on Schedule K, lines 1 through 12 and 141(itemize): a Depreciation $ b Travel and entertainment $ 6 Deductions included on Schedule K, lines 1 through 12 and 141, not charged against book income this year (itemize): a Depreciation $ 7 Add lines 5 and 6 .... 4 Add lines 1 throw h 3 .............................. - 9 7 5 . ...................................... 8 Income (loss) (Schedule K, line 18). Llne 4 less line 7 ......... - 9 7 5 . Schedule M-2 ~-narysrs or Hccumuratea Ha~usimenis Account, caner Aa~ustments Account, and Shareholders' Undistributed Taxable Income Previous) Taxed see instructions (a) Accumulated (b) Other adjustments (c) Shareholders' undistributed adjustments account aCCOUnt taxable income previously taxed 1 Balance at beginning of tax year ......................................... .......... - 4 0 8 9 5 . - 8 011 . 2 Ordinary income from page 1, line 21 3 Other additions ........................................................................... 4 Loss from page 1, line 21 9 7 5 . ............................................................... 5 Other reductions ' ........................................................................... 6 Combine lines l through 5 ..................................... ....... ... . ...... -41870 . -8011 . 7 Distributions other than dividend distributions 8 Balance at end of tax ear. Subtract line 7 from line 6 .. - 418 7 0 . - 8 011 . ......................... 711731 12-26-07 JWA 4 07030311 350025 231925824 2007.05000 ACME MOVERS INC Form 1120S (2007) 23192581 June 16, 2011 Steven W. Fahnestock & Associates 1513 CedarCliff Drive Camp Hill PA 17011 RE: Lewis A. Straw Estate DOD: 04/28/2010 SS#: XXX-XX-6895 Tracking # 232905 To Whom It May Concern: ': ,y.~,_._-,.r Su~c~u~~a~a~~ ~.a •-~`~ Susquehanna Bancshares, Inc. 26 North Cedar Street P.O. Box 1000 Lititz, PA 17543-7000 Tel 1.800.311.3182 Fax 717.625.4478 In response to your letter of June 7, 2011, here is the above customer account information as of April 28, 2010. Account # 1 Account #2 Account #3 • Account Title: Lewis A Straw • Account Type/# Ckg/145019570 • Date Opened /Maturity 1/28/05 • Interest Rate: .OS% • Account Balance*: $623.09 • Accrued Interest: 0.00 YTD Interest: .18 *Account balance does not include accrued interest. ® There is no safe deposit box in the name of the decedent. ^ There is a safe deposit box # 0 in the name of the decedent located at the branch name. Bryan W Shook is POA as 2/9/10 If I can be of further assistance, please feel free to call.. Sincerely, ~G tz~-2 X1'1. J~.~,,~.~ Dawn M Berrier Deposit Research -Reporting Department Lead 1-717-625-6546 DMB/CSR `~ - - _. - . '.CERTIFICATE OF Tt L' E FO'R A VtH1Ct_,f~~`-` -~a"~' ~ ~ - ..- „ ,: _ . _ , ,_ .. .. - h .:Q.'~tI58:3~dt3Q1~~t~Z D~I~, .. 2FM1_Kf~C C~t9~A22B72 ' ! ~~I19 = F~JRD I k,b$$~9I]©~p7 S7' 'L~.~BA~AFICp,TiOjJ ~lUMB~.R ``GEAR , MAKE OF VEHICY~E. ~ Ti~rLE~yUPA~' , ; , ~ _ ~~~ ~~ `'' ~~V ~ ~ JI ~ . , ~~~~~fl9~ oo~ ~~q _ i ~ ~~ ~~ ~ ~- c- 7 ~Up _ SEkT GAP F PF(1C]R'{lYL^F STATE ODOM PROCb: gATE, t, a1. r,1~ ODO1~t$TA'FC~ \ ~•\ ~ J r7 nay I .. ~1 ~7~tJ "7, ' ~j ~y /{yp ~,. ~fC YJ L.I'i ~ .. I 1 ~ ~ 4 J [].4}E EA~IILED ]ATE OFISSUE t UNLADEN WcIOH7 { { GVW4~ I v GCVIR _ I ~ - ,r T47LF, BRANDS r i~ _ ~ ODOMETER STg7(j~ ` I ` ~ ACTtlAI ICE L -' I - ,~ ~ ~ ` ~ ~` = MIL'EAr t C - T71 L'E ri x :L L1MR5 NOT TI I ~u•~ 1 ACS E 1 . U"_ y Ss, ~ - ' _ - ,' ti > ~i -NOT [,~~, In l1L 4GC CDiAA~'rPri •-• ~~ ~~ - , ..-TAMP Mal H Ice .. - ~ ~ - {. ~+ft '~~ -per} ''` ~ 4=EXEMRE.FROM r AST-_~ri L _-._ A : (~ . 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U ~ f~ i _~ N O ~ .~ ~ ~ N O ~ f~S ..Q N '~ W C c~ ~ > ~ ~ O ~ ~ o ~ ~ '+. .-• J ~ O Z a~i J, ~ N ~ S W ~ ° U 3 Q O ~ ~ ~ ~ ~ O ~ Q' ~ U u1 ~ ~ F- W p cn cNo C W C N J '- cL a .~ ~ ~ ~ O (d Q O ~' ~ ~ tgp~NCt3 N ~ ~ O ~ ~ U ~,_ ~ ~ cd O ~ ~ to ~ ~ N ctS O O i i ~ C fA , U ~ O ~ (lS ~ ~ ~ ~ w ~ n~-~o~cOUJ ~vioa~~x~"~ "O~c~~ N ~~ O U ~0.."O~ ~-f4 ~I-m y-~ ~ a~~ E .c O ~-= }, o C ~ ~ (~ ~ ~ 0 ~ O ttS_ i ~ C (b i O ~ '~sj! Q~- N ~ N O ~ ~ O~ ~.IIn- O RS .~~ ~'_ ~ aim v ;r ~ ~~c~,,.. O .~ ~i O V C 0 cw ~~~ o~ CCU N ~ '~ OO~N V N W -Q .a N ~ C O ,U ~ ~ Nt ~ tSf ..Q ~ Q ~ ~ ~ ~ (q L ~ U U U V 'C3._~ ~ ~~ ~ ~^~~ Z N C Cp ~ •V ~ C Q ~ (tS r ++ Q +.. O N V~ON~t~~cyn N f-- ~t j .._ C ~ ~ ~o~ ~ m ~~ ~ ~ C ice- v-. ~ 'O (TI Q N C r ~~ t~ O N Q ~ ~~ .~ O O U ,''~_• C i"' O ~ .C •D ~,O ~.~ ~.~ Rf ~ .~ > N~Co 3 ~.~Q c~NN~ ~,~ c~uE-m. •~Ou;o ~ ~ ~ of ~ C ~ ,~ >, ~ ~ ~ N ~ ~ _ ~ = >_ a N O V i ~ }N, i~ ~ ~ 'i > ~ j, O tIf ~ O-~ O c~ o z3 ~. _a.~ ~ Q m-~ ~ ~ ~ m ~•QO ~ to N Q,.O~_ C'3~~c ~'Q O N W~ci~ ~~~'~ J •a -~ co N ~ ~ Q N C N Z ~ O ~ ~ ~ U J ~ ~ ~ >- o a~ ;~ ZoyN N •- ao~°~~' .1+ 'a-• C C ~ ~ N ~, O 'a C O ~ C ~ C ~ ._ Q~ O ~ ~ V N ~ O ~~ O~ O C O ~ 0 Q ~~ ~ U~ U "- O » -fl ~ C '- a~ L ~ •- p ~.~ O Q ~ -- +.. O- C fif ~~ ~ o o ~~ ~ 0 0 0 0 p~ W Q Q O ,,~ ~} O Q3 O O~ O L~ O N '«.• E=ts ~~ :,~~ m Omo ~Q~~~ mn.C ~- ~ ~ vi 0 C N -~ O ~ O ~ ~ ~ ~ ~ ~> C~ O C U (lS ~= i O ~ ~ ~ t~ N •... C p O. a1 ~ O O U O O ~ C O+".O O U o o~•~ ; ~~ ~ o Ot O ~ ~ N ~ ~ O .~ C L ~'C-. O O at ~~°.~c~ o~a~ ~C~o~~rn o~3,E N c~ N to C ~.,, C O C~ N~ O M '+.~ U~ N +. L U ~ d ~~ 0 O O C/) O ~.U a~ ~_ /o^ff` ,~,/^~ E .~ ;_. -^c^`` •~ W v/ Y ~ O ~ ~ W O p..-' Q~~ O > ~L O~ O QQ ~ ~ ~'Jr- I~ p C N y~ O~~ O cq~~~o~ >~m~ 7r U ~ O70 ~~ Q-•i V O O >, C~ L~ ~O "O N~~ C ~ N O U~ O Cn .Y ..-. fO "O ~ LL .~ O ."C..' a W J v m W 00 W W Z J W W N W OC W N w J a C 3 O •~ N iO+ m~.+ ~+ m O ~ ~ a o .~ ~ o •3 ~ ~ m ~ (Q ~m~~ ~,~~~ ~ N rd! C r-1 ,9 N a ~ -r o oaQ A o.~•~-~.°DOd Q~omWx~ ~N~sma ri 7 G N Z 4L' T E O L L ~M OtJdS Q .. W ao f- z 00 ., ~ 00 NN 0 O O 00 ~ OJ r~ r~ o~ .r a aoq o~ JJ ~O: ~H »~oooV -~ 7 .p Li o ~¢ ~~z QQ~ A •• NNW wq o!~> V1W WWO Qa •• HI-E =HW ••WW UWJW~FW ~C~F-YOOE ~Wr-~QggV D_~F-EOOeL m L S L v a m C enns lvania ~_."_'.. '.,.'__ _.._ ___ .___ .____.... Bureau of Motor Vehicles P y A lication for ~c istration pp ~ Box No. 68593 DEPARTMENT OF TRANSPORTATION ATTACH PA TITLE -TYPE OR PRINT • MAKE CHECK PAYABLE TO COMMONWEALTH OF PENNSYLVANIA Harrisburg, PA 17166-8593 IVO. A. O ww J N U a 2 = w O > ~ o. B. rr w w N z N Q N K W a U K a D f ~ z w W W a ~ v h ~ a o O N N ict rvuMntK (AS Sr1oWNON ATTACHED TITLE) -MAKE~OF VEHICLE ~~~~~,~~o:~{~t DES -~' C`L~E IDENTIFICATIONNUMBER CONDITION c~ ~ $ ~ ~ ~ ~ r~ 4 ~ ~ )~~~~~ J~ O GOOD ' NAME (ORPULL BUSINESS NAME) FIRST NAME ~.,~ PURCHASE PRICE (,J ~' ~ (See Note on Reverse) ,s: A- r~. (,-~ ~~, t ~ t 7 FAIR O POOR f LESS TRADE-IN TAXABLE AMOUNT , ,.~-- ,s,'f~;' f ~, ~ 1, SALES TAX DUE s r ~^~ ° ' X6%(.O6)ORX7%(.07) f7 ~ j7 * (See Note on Reverse). , 1A. EXEMPTION REASON CODE (must 'be a number (ran 1 to ~ 23 or0 -18: FIRST -'IB: SECOND YiSSIGNMENT - ASSIGNMENT ~ NAMt (UK YULE t3USINE55 NAME) FIRST NAME MIDDLE NAME Pq DUPHOTO ~ iii ~^ '~` OR BUS. ID# PURCHASER LAST NAME FIRST NAME MIDDLE NAME PA DUPHOTO ID;f ;EET r "- f _ STATE ZIP CODE DATE'4a~GtUTREDr PURCHASED NAME) STATE DATEAC.OUIf PURCHASED OR BUS. IDfi E MAKt ur VtHlCl.tr VEHICLE IDENTIFICATION NUMBER wo J W O p m ~ MODEL YEAR BODY TYPE (CP, TK, ETC:) - CONDITION > F- O GOOD F' O PLATE TO BE ISSUED~BY O TRANSFER OFpREVIOUSLY ISSUED PLATE DEPARTMENT (PROOF OF 0 TRANSFER &RENEWALOF PLATE INSURANCEMUST BE O TRANSFER & REPLACEMENT OF PLATE ATTACHED.). O TRANSFER OF PLATER REPLACEMENT OF STICKER O EXCHANGE PLATE TO BE . ISSUED BY'DEPARTMENT PL4-fENO: O TEMPORARNPLATEjISSUED ~ BY FUL((AGENT EXPIRES Month Year Oz a O '_ __. - TRANSFERRED FROM TITLE NO. OQ f. ~ a j N r . SIGNATURE OF PERSON FROM WHOM SIGN HERE a w TEMP.'PLATE NO: - , PLATE IS BEING TRANSFERRED (IF a ~ a _..._ _ ___ - _ _ _ _ OTHER THAN APPLICANT} J -EXEMPTION N0. EXEMPTIONNO. t, p 2. TITLE FEE ~~_ ,'`~, /'` REFER TO COUNTY CODES LISTING ON REVERSE SIDE OF YELLOW COPY 3. LIEN FEE 4. REGISTRATION OR -~-~/ PROCESSING FEE y~ IC ~ DATE.OF BIRTH ~f FEE EXEMPT NUMBER. AS ASSIGNED BY THE DEPARTMENT COUNTY CODE 5.. DUPLICATE REG. FEE NO. OF REFER TO COUNTY CODES _ISTING ON REVERSE'S1DE 6. TRANSFERREE OF YELLOW COPY 7: INCREASE FEE 8: REPLACEMENT FEE FAIR O POOR TOTAL PAID (ADD 1 THRU 8) ,:.% -,.. f e. 11. GRAND TOTAL SEND ONE CHECKIN Y~r (ADD 9 8.10) ` :' r ' 1 THIS AMOUNT "> 7 b±-' ~`.^;° "'~~-~ FOR REPLACMENT O LOST O DEFACED O STOLEN O NEVER RECEIVED {Lost In Mail) NOTE: If'NEVER RECEIVED" hlnck is ehcrYad anncr~m ...,,ee ......:..ie~e ~,...., wev n. VIN YVw(.T rvVt (GK ~ ~ --5 - j POLICY EFFECT POLICY- IRATI A C: tJ tl ,, ATTACH BINDER ';.i fi. + 6, ~ L' • 0 DATE l°•-r'.~^ 1 ~3 DATE ~ ~'= P~l ~ ' I.CERTIFYTHATO(IfMONTH DAY YEAR ISSJINGAGENT(PRINTNAME) AGENTNO. ISSUING f HAVE CHECKED TO DETERMINE THAT THE VEHICLE IS INSURED AND AGENT ISSUED TEMPORARY REGISTRATION TO THE ABOVE APPLICANT, IN INFORMATION COMPLIANCE WITH ALL APPLICABLE PROVISIONS-0F THEVEHICLE ISS! SING AGENT SIGNATURE TELEPHONE NO. CODE AND DEPARTMENT REGULATIONS. ( ) G' INYE CERTIFY THAT I/WE HAVE EXAMINED AND SIGNED THIS FORM AFTER ITS COMPLETION :-,ND THAT THE INFORMATION GIVEN IS TRUE AND CORRECT. IF ANY.EXEMPTION IS CLAIMED, .THE PURCHASER FURTHER CERTIFIES THAT HEISHE IS AUTHORIZED TO CLAIM THIS EXEMP?fON. IANE ACKNOWLEDGE THAT IlWE MAY LOSE MYIOUR OPERATING PRIVILEGES(S) OR VEHICLE REGISTRATION(S) FOR FAILURE TO MAINTAIN FINANCIAL RESPONSIBILITY ON THE CURRENT_Y REGISTERED VEHICLE FOR THE PERIOD OF REGISTRATION. IANE ACKNOWLEDGE THAT IrWE ~ MAY BE SUBJECT TO A FINE NOT EXCEEDING 55,000 AND IMPRISONMENT OF NOT MORE THEN TWO YEARS FOR ANY FALSE STATEMENT THAT IANE MAKE ON THIS FORM. O a SgnaFirst Pur ser or A~°~ Si er ~~ Tele ho v 1ST .ar :.+,sa-- /l '- ~ -- jd ~i ~i x^ ~ ~ ._ D ne No. LL ASSIGN- ~ MEN7 SignaWre of ~PUrchaserRUe of Authorized Signer a i ~__- ( ) w U 2ND Signature of Second Purchaser or Authodzed Signer Telephone No. ASSIGN- I`-.. MENT Signature o - ur aser e A orized igner ( ) i H. ~ z NOTE: IF A CO-PURCHASER OTHER THAN YOUR SPOUSE IS USTEDgND YOU WANT THE TITLE TO BE LISTED AS'JOINTTENANTS WITH RIGHT OF SURVIVORSHIP" (ON DEATH OF ONE O o J ¢ OWNER, TITLEGOES TO SURVIVING OWNER.) CHECK HERE O. OTHERWISE, THE TITLE `NILE BE ISSUED AS "TENANTS IN COMMON" (ON DEATH OF ONE OWNER, INTEREST OF DECEASED F F f OWNER GOES TOHIS/HER HEIRS OR ESTATE.) tr S ~ Z NOTE: IF THE VEHICLE IS TO BE USED AS A DAILY RENTAL OR LEASED VEHICLE, CHECK 'HIS BLOCK O. IF BLOCKIS CHECKED, COMPLETE AND ATTACH FORM MV-7 L. - - MESSENGER NO.: CERTIF'IGA'TEt!OF T,~TL.,E.F4R,A VEHICLE fb99- .;~ ,, I .~ -- ,t `;~ ° - m _ 3 ~~ - - t - ~E¢tlCf:~j~l=pj'rfFICkT1~KiJF11.`A~~R I YE/1R MARE OF VEHICLE_ '~~,N.UMBER ... #}(1Y_T-,'f'~ _ CL ~. $EAT-CAP. F RIOR~TTLE ~ ,+I L DOM.: PROGP GATE ~`ODOM MILES ,s ,' ODg1.( STAN . ' DATE.PATrRED I~' '~DI.TE OF ISSUE.. -..•_'.~' ~~-'UIJLPDENWEIGHT -~ '. ':OVwH -:-~. GCWR .-........~ •. 'ft ~.~: ..:. ,.. .~..:-'. _ cJ 4 TLE BRANDS ~i - .. l i ~/'"~ J ~'.O -ODOMETER S7A]US ., ,I' . 0=ACTUAL MILEAGE ,' - { 1 e MILEAGE E](CEEDG THE AtECHANK;AL LJMRS_ ' ;', ~ - 2-N07THE ACTUAL MILEAGE - \' - ~1 3=NOT THEACIUAL HgEAGE-0DOMEfER, ' y = TAMPERING VERIFIEb~ • _ _ - '~ t# ~7~~~~ R~~. _ - 4. D(ER1Pi FROM ODOMETER DISCLOSURE REbISTERFD DY !'~(S)- - ) i ~ :; RAE BRANDS t ~ i3' A A?JTIOQE VD{K:LE; '-'c- arE~~«rllrtgrs >w]+srg9nP£~g~+~, ~'~ - o t~194`he[~+~4iIC~ ~EHIS ~ .~~IZA~]~°, ~1i 'u. rn h~ Is F.~ouioFCwNrTT>< 1~ t3P~XE~ HILLS CZ~Y `- ~'~. i ~' ~ }a~~,, ,- _-~~ a.~.,~.,,~ l'~ E N G U,'dB E R L N l~ ~ P A ~~~_ H'a ilC3RiC[7LTURAL:V~HIOLE L ~ ~onGwti vEwaF ' - _ - P . ISMIAS A POUCE VE}IICIE _ R . RECOTISTRUCTEp'1 1 I '~ - t\S 57}t~Ei'ROD =l\t ti , F.`. ~= - ~7 saECO rHEFrvEHICLF ,; ; I - ~'~' - ~ ~ lsV ~'VE~IICL£fTAfNS}3EI53UE0 VRI - x - t W r-~'4GD VEI'~~1. "` ~.1 FIR T L r i Fa~;n~ r,F _ E~nVO LI'~J F4 JC;R OF ~ 53nroAg~A `(Am 4 ,,~', 1 i if 6W,xr~ tyllf 7rw Fy h ~ tin fll J of h 11 I I » f ~, ~~ _ _ II I kJ m 1 h~~ -i 1~, IY~ Pw~nJ d A41 rw Les nlh n~ _ FIF T11 ~ItftELEA ED 1 I eF{r.yy,at~t ,t1 iBQ.^, CQT _ t.~ - ° ~--~ _ - - l'Y_.'... t ,'s:., _,;:._'. ~F+ r4J Cl LI N R-! EASF,D ' ' _ _ ~ `A?T+^FIZED n I F,E ;FMAT'bE - - - _ ° `D:YTE.,_ _ _ ~ ~ p^ ~ '.4 _iTil FI'.. -1EFRESEMATIVE - x=:~y_-I7,REXEI`.=:~31I.4.S. MFR:-. ~_, - ''~:~i~l -LU~481`R LI41~ • PA ];7 Q7 fl - ~' _ ~ ks - _ _ _ ~ =`~ ~ >~k rca<nN es `ors.-i . ~I~ ~ Ja >ul~ - ' ~~ s F ~s~. ,, .-~ rR.,~ ~AL L EN , D.. $ I 1=~;~~ rF`. AC 1`I;~IGLr ~. o-f-Tre`nepo'rTa~al r v tat)ert~re'~ereonCsT ~wm[~ ~ ~,~*'eoi~r~~~ ~u ~«.wl __ ~ - = flKe _ ~ • D 9atdLehl[b '7,~FU . _ _ . -. ~ , - ~ _ , : ,. c ~ , kSP,ctefaCyy(T,reuppurtation'~ , ,,,;{ B9~R~B~D'ATlbpryORN-~. ~ _ ~ If ~~o-pier ~n e~^ott>_ecrthen Ur s Dose Is:J~St e'ndr ou `,,,,,,T u,e:•wl~ io~:- Sro -_ P ~ ~ ~~1 . li ed ~" y Q,rFK,pEyF.: .. ' gt bea e' tolnt ~enarLts. Wilh~ RIgM o 3urvrvorshlp~ jfHr deathwf, ns: l _ nnv I I reAa ,I I ovmpT ,gtl goass'Yd survfvlrig owFier) CH~CFFHEf?Eq~(hhelwlse-16a true t -_ tr )t ~. (Irl f p j wi~obe~ ~s ~Tsjnants'fn Common (dn-de~th of ona-owner„lnferast ot`~ ~ ' . ~ ~ - ' ~ ' ~ - ~~ st L 1 e~ge;jgd~pt er gp~`9 to hisglerhelrs or esta-[c) - ('I - u~ r ~ .rL - ~LH HOD~ml i tt ~ 1'~- i 1 _- ! 11 ~ y YS'Y CIET7 O~ I) tf 4 ~--~ F }k~'LICI X ~ ~ _ ~ _ _ , 1 } ~ - _ 11 ~1t : . `~ _ _ . - .t 4i it 1; 1~, I•._ Iri }'I".' _- r ~ _ tscuENHO~DEr = ' \ 1~1 1A1 ~TPeET _ 1`•1v TSt1~~N ~' ~ 1 1 t ~.-° ~1 ~'e ~a,..~~ ~r'.~1, y ~_. t .`, t i ~1~, trT ~~~~~ t~t~t .A ~ .. -. _ 1 ~.i f FINANCIAL IN3jI~C1'i'IOIV NUA118ER }1`•~`+t1 4'1 ~i~~tE ~ S, X ~ ~ , ` ' i - 2ND tI EN,D~TE -• IF NO LIEN, CHECK ^ C.TI ~,'~ I~. .in '~: li~_T~?I.tt _-. ~~ .n., lt~- ~: srvDUENi~QLP~ i ~ 1101 ii 1b41 11 ti ~ - ~i i tY lit 1 ~ ~ It ~ J S7AEET-- -. _ - {i " ' I 1 ,. ,..N- E aFN~->cN?r,•ux .EO_sloNq; :. - - ~~ - -0171' ~. ` .STATE' .`ZIP ~ - /~/~ - ' Lx'.N TIRE of C4APPL~CANTRRLE of SU~~OP¢EO 6)GHEP , ~. . FlNANCIACINST7TUTION NUMBER - . F t 2002 Honda NSS2502 REFLEX - 249cc Standard Equipment, Prices & Specs Hang Tag -... Page 1 of 1 ~~ ~~:;, The Power of Ykhit{e ri[~nrre~a3ion E -- i\i.~~~~U1SleS.G61T Value Report 2002 Honda NSS2502 REFLEX - 249cc NADAguides.com Price Report Base Price TOTAL PRICE Suggested List Price $4,999 ® Close Windo4v 7/25/2011 Low Retail Average Retail $1,640 $2,160 $1,640 $2,l~i~f Standard Equipment Details Engine Specifications Displacement (cc): 249 Cylinders: 1 Engine Stroke: 4 Speeds: Automatic Transmission Specifications Number of speeds: Automatic pry Weight (Ibs.}: 351 Value Explanations Prices shown are retail consumer values and are to be considered as selling prices. Trade-in values are to be determined by local dealers and are generally lower than values shown. Suggested List -The manufacturer's (distributors) highest suggested list price in the U.S.A. when the unit was new. Unless indicated, the suggested list price does not include destination charges, deafer set-up, state or local taxes, license tags or insurance. Low Retai! Value - A low retail unit may have. extensive wear and tear. Body parts may have dents and blemishes. The buyer can expect to invest in cosmetic and/or mechanical work. This vehicle should be in safe running order. how retail vehicles usually are not found on dealer lots. Low Retail is not trade-in value. Average Retail Value - An average retail unit should be clean without obvious defects. All rubber and cables should be in good condition. The paint should match and have a good finish. All lights and switches should work properly. The mileage should be within or slightly higher than the average range. This unit should also pass any emission inspection. ADVER7iSEMEN"i ~, Copyright 2Qi1 National Appraisal Guides Inc. AI! Rights Reserved. httn://www.nadaguides.com/Motorcycles/2002/Honda/NS S2502-REFLEX-249cc/Standard... 7/25/2011 { - ~ ; etc i1 `, / y ~ -7 t C1 I ~ ~ J 1-1 t2 ~ .. Ft G .. . ~ } ~~ { ~ I~ I _~ { P iE PA TI T C E D -„ _ I . .- . .. - 'DATE"OF ISSUE ... UNLADEN WEIGHT I F , G/WR ~ I GCWR ~I TITLE BRANDS ~ i S~ o 1.~1,. ~' '. ~i - - +_000METErI STATUS ~ - - - {{{~~' ~ SGTLLAL MILEAGE _ f ' - 111Lc~?,QE E%CEE~S T}1E MEGHAYIEAL ~ - ~~ - ~{ IIlAITS~~ - - -vpT'T},E ACNAL rdILEACE ~ ~.. - `!OT THE ACTUAL MILEAGE-0DGAETFA ~, :f',~~ - '-*~ ~' ~'~, L TAMpFRhf6 tlERIFlFO: °,3~~ ~t~ ~~;~a <A R~i ~: . ~ %[- ~ < ~J(EMPYFgpM 9DOMETER DISCLOSURE 7~" t ~ NE 1 f~FrJ J'J RI ~ _ - i ~a ~ .'TITLE BRAN0.S - \~ ry, T ; ~'~ ~~~.' ad i+, E ~ ~ ~ - ~~ S T R ~ ~ ~-. ,,~'S~'d1~ tl~ynl~ x Fv~m 7 ~' ~~~"il„. , - ~ +M(OLtE dEHICLE ELASSIQ VEHICLE-' 1 r .LECrfeLE veleclE F J;OFCOUNTRY: ~. ~1~~~1. ~H~LL_~- rI y X~, I f ~ j t ~ -L_ _ C!• FTIR'Rlr - ~ i , 0. 11 ~~iEW'-~CU116ERL' ND ` PA ~?CI~C~ ~.~~'~ ~;i,`°~ , - fN3IAIBfiTIpN ~ Aoe~~,D~AL-YERIDLE LOaGfNG VEHICLE - "' ~ P-~15hYA5•A PDIJGEVEHICLE CTE4R .~. , ~~ '. ~. Efi DO S ' ~ ~ _ S ~1 ~ . YY L~'l LA~CDVEAED THE~7 VEHICLE . ~\j V ~ ICLh` C(~NTAIb'69EISbUEtlr VIN " .'Fj~' uc~r'~+~~R F - - ~ ~ ~TAS'A 'Vtl _ " "j _ r ONDLIEN FAVOR OF 1 '~ 1 5~9tf~l t ~,`, ' - ' ~•~.; - _ I ~ S tj. IL a "secorb lienhdder la U iad year L I ~-ol 'ret Mari; ¢» fuel ,.~ 1 1 ~ 7enho{d r rtwsL torwartl lhis TRk 4 Ih 7~~N d hkl s / i _ Fia T t1t NFF~I - aPP opne[e totm emi faE ` SU , U e e . w th tpe , 11C91E 1 _ ~ ~I ' - - SECOND LIEN ReLEASED - • , At1THORFZED.REPAESENTATIVE ~ G,TE ..~ . t~4~Xl kS AC~~~F ~ :. - - _ BY _ _ - ~ - - ~ 4 1U Hu 'En=~[F,9E9ENTATIVE~ ~ _ - _ LELlTS-:A ~TRAbJ . _ - :L4 DRE'~~L~;H~LLS~ :CIR ; -. NELf ~CLJCI6ERL'ND -P A 17~7D , - ; .. - . , ~. ,, - - ~ • ~ z _- - n ~ ~ I, rcr `Y ~ r tt e ¢]4, 5 rt offlCizl cards of Ih Pemsylvan Dep r6nent _. rI A~ E B HL L N ~_ 1 ~ ER -. ~ ~, ~T vl ~71~R11i par H(s~'ar,-CampanY~mefiJlo2trr J6{he IaMO( ownar- -- ~ ~. svt1 Yk~~ ~.1^'f,c, _fi - _ ~ _ - .. _ _ a .~SReciclnry`of T~ur~vportnllon_= ..~ ~FJ6ySCRIQ~O ANC r1 I j'-' 1~8 CO-Pi1fCh368f ottlBf ihaR~O(f~:S~0U5~{5~:.{{S1Bd ~8Rd yOS7 `1V2f1[~1h8-11[(B 10 e' ~ J'CkBE~RF MFia. ~ _! ` be,listed~.as 'Joint Tenants Wlth~'F]Ight~ot SurdvdLShlp', (On death gt;^~q":; ~_ wv eur I owner°litle gees ta $urvlving owne7}'CHE)rK.H~RE ~ OSherwlse She_l U - ~ , .- , <~. . wlR bg lssF)e~l hs `Tdnants (n Common (On death of one ov ~ner j te> 7 ; f '` l , ~ p :e ~ d $e l 4 pS ' - ' ece~ ~ Dt ner gQ to hjs/her}i I ~ ,lao ). - ~ e f .~rG OaTH d ~ I IIYSYUENDA~EII t I'ti ~ •--` I~NOLIENCHECK ~~ _ ~Y~~ o • ~ ._ ~ ~ iST LJF1JftOLDER- ~ _ ., - - ~ .., ~ 1 - ~ .%5., li C" 3}7"x-- -'SLY '~>~ Lfi> "}-`: SiREET'~r ~I~1~ i~'l b \g~ ~ ~ tli~„~. 1 t _ E \t` t~1~ St1 ~4~1 ',',i \1 - _ - - - ' IF T1i1S ISAN ELT, LHBCK HER~~ L~'~ FINA#~C~,I ' ~ \ ~ i `;I~ y •. ~ - _ _ NOTE. FIN REQUIRED - ~ INSTf}~IFIO~S.,[JO - ' ~1r ~~S 111 yLL'I ,_ -;,:~° unpry (A j J~ ~'~'~° Tme ra u~ t+Kb~q>ad ~ ~ 2ND IJEN~~DATE '~ -, 'IF NO`LIEN CAECK ^ e '°t{t~ =': 1e~ 1 r I ~ 2ND LIIttJHOLDER ~ 1 , i4 ,tt - 1~ it ~ I ,,.: }1` tfh 11°j'~I , X11 ~ ~ sTRE wt o ~¢~a>.~ ~,~,~, 1 nh ~ ~ x s . s 'r, '~ -~ crrr ~ °~ ` srArE ziP _ ~' ~ SK>r+ANnE of caAPeucun/nn-. of nuiROalzEO 61CnEn _ IF THIS IS'AN ELT CHECK HERk ;. FINANCIAL - NOTE: FINT7EOVIRED--. f ._sy~. .'IN871YUTIpN NO. ~ - t'~ tT ~ ~ 'S ) FS'~~ N.O. o•€ ~ +f *s1 ..E 3. sd z w f N N A o P~TIT N MB ! F~O NN ON ATTACHED TITLE) -c r- "` i ~ `~ MAKE OF VEHICLE MODEL YEAR: (~' J f PURCHASE PRICE ' G , \ ) t / ~.3 ~ ~ ( ~ 1(••^ ,(r ~ ~ ~ ~'' i r ~` j'~~ (See Nole on Reverse ) ~~jj l . U r N, . , . , . , t / i m c VEHICLE IDENTIFICATION NUMBER CONDITION - ti .- '~ ;~"j~ ~ 1 ~~''t--f O GOOD O FAIR O POOR LESS TRADE-IN J - B ~ LAST. NAME (OR FULL BUSINESS NAME) :FIRST NAME - MIDDLE NAME , - ,wi J - TAXABLE AMOUNT m CO-SELLER - ~ ~ '1. SALES TAX DUE 'X6% 08 ~~,~..~~ ` ~ t , (r` ( ) LAST NAME OR FULL BUSINESS NAME .FIRST NAME ;,MIDDLE-NAME PA OVPHOTO ID# DATE O F BI TH (. ).X7%(.O7)OR X e%(.OB) ~.-p f. .f j ,~i-^ ,.: \ ~ ~ # ~ r r. ~ , J ~? ~' r. ORB S: ID# ! ~- r' ~ ' ~ * (See Note on Reverse.) , "^"' \i ! ,, / -fi.;~T"' ! -L~ I ' `~~/t/ ~ ~'~ ~~ ~ ~'~1` ~A 'EXEMPnoN f j r f , j REASON.CODE (must ~ CO-PURCNASERlAST NAME FIRST NAME - - MIDDLE NAME PA DUPHOTO ID# DA OF BIRTH . :tie a'number from 1 to N. Q - 23 or 0 _ U `1B-FIRST AB.SECOND ~ STREET COUNTY CODE ~ ASSIGNMENT. EX~MPTION ND ASSIGNMENT a ~, p ~i /. ,.~ C,,r ~~s+(~ _~ ~, . EXEMPTION NO ~ J /~ ~) f J 2 TITLE FEE. ~` .". ' •. ~ CITY STA ZIP CODE DATE ACQUIRED/ L ~ ~ PURCHASED REFER TO COUNTY CODES . ~~'"`I '''' "~ i / ~ ~y{7~~ ~ ~~ 1~ ~ ~ ~~ ~ LISTING ON REVERSE SIDEi = " I o t f !! OFYELLOW COPY 3. LIEN FEE D IAST NAME (OR FULL BUSINESS NAME)' FIRST NAME 'MIDDLE NAME PA DVPHOTO.ID# DATE OFBIRTH OR BUS- ID# 4. REGISTRATION OR -- PROCESSING FEE F z ~ CO-PURCHASER LAST NAME FIRST NAME : MIDDLE NAME pADVPHOTO ID# # DATE OF BIRTH z y ; ~ FEE EXEMPT NUMBER = AS ASSIGNED BY THE DEPARTMENT" rn ~ STREET COUNTY CODE Q a ~ ~ DUPLICATE REG. z °z FEE.NO. OF N N CARDS CITY STATE ZIP CODE DATE ACQUIRED/ PURCHASED REFER TO COUNTY CODES 6 TRANSFER FEE L)STING ON REVERSE SIDE . OF YELLOW COPY E. MAKE OF VEHICLE VEHICLE IDENTIFICATION NUMBER - - -- 7. INCREASE FEE JD U p .. m ~ MODEL YEAR BODY TYPE (CP, Ti( ETC.) -0ONDITION - > F- B. REPLACEMENT FEE O GOOD O FAIR O POOR: TOTAL PAID 8. '"~'~~ `~ tU __- F, Q PLATE TOBE ISSUED BY O TRANSFER OF PREVIOUSLY ISSUEDPLATE (ADD 1 THRU 6) / ~z~f .~''~'- ._ '~ , DEPARTMENT (PROOF OF Q TRANSFER 8 RENEWAL OF PLATE - - +~'^~~'" F -._.~t INSURANCE MUST BE ATTACHED.) O TRANSFER 8 REPLACEMENT OF PLATE 1f. GRANDTOTAL SEND ONE CHECK IN - a„/ l~t O EXCHANGE PLATE TO BE ISS O TRANSFER OF PLATE 8 REPLACEMENT OFBTICKER - ) (ADD 8 & f0 THIS AMOUNT '~ ~.c s UED BY DEPARTMENT O TEMPORARY PLATE ISSUED BY FULL AGE 'PLATE NO: REASON FOR REPLACEMENT O LOST O DEFACED O to NT (Note: This plate will explre90 days from EXPIRES Month Year . STOLEN O NEVER RECEIVED (Lost in Mail) NOTE:LIf" EVER RECEIVED' bbdcls Checked, applicant must complete Form MV-04 O z date of issuance.) . a O z '' O TRANSFERRED FROM TITLE NO. ~ N Fa' - f v r1' SIGNATURE OF PERSON FROM WHOM SIGN HE E a w TEMP PLATE NO , ~ ~ ~ RELATIONSHIP TO APPLICANT PLATE ISBEING TRANSFERRED (IF R ~ . . OTHER THAN APPLICANT) VEHICLE PURCHASED WEIGHT GVWR INFORMATION IFAPPLICABLE UNLADEN WEIGHT REQ REG:GROSS WL REQ. REG. GROSS COMB. WT. ) INCL DING LOAD r (IFAPPLICABLE) INSURANCE COMPANY NAME POLICY NO.(OR- POLI EFFEC~tVE POLICY EXPIRATION .--. ATTACHB D R ~ DATE / DATE r 1 CERTIFY THAT ON:MONTH DAY :YFJ1R ISSUWG AGE PRI N ~\ j AGENT NO. ~ ~ ISSUING I HAVE CHECKED TO DETERMIN THAT THE VEHIC INSURE , , / I 7 AGENT ISSUED TEMPORARY REGIS 710N TO THE ABOVE PUCANT, IN INFORMATION COMPLIANCE WITH ALL APPLICABLE PROVISIONS OF THE VEHICLE ISSUING AGE. ATURE ( TELEPHONE NG. CODE AND DEPARTMENT REGULATIONS. G, r ( ) INJE CERTIFYTHAT UWE HAVE EXAMINED AND SIGNED THIS'APPLICATION AFTER'RSCOMPLETION. UWEfURTHER CERTIFY THAT ALL STATEMENTS HEREIN ARE TRUE AND CO RREC:AND MAKE APPLICATION FOR CERTIFICATE Of TITLEFOR THE VEHICLEDESCRIBED IN SECTION A..IF ANY EXFJNPfION IS CLAIMED, THE PURCHASER FURTHER CERTIFIES THAT HESHE IS AUTHORIZED TO CLAIM THIS EXEMPTION. INVE ACKNOWLEDGE THAT UWE MAY LOSE MY/OUR OPERATING PRIVILEGE(S) OR VEHICLE REGISTRATION FOR FAILURE TO MAINTAIN FINANCIA O L RESPONSIBILITY ON THE CURRENTLY REGISTERED VEHICLE FOR THEPERIOD:OF REGISTRATION: I/WE ACKNOWLEDGE THAT IANE MAY BE SUBJECT TO A FINE NOT EXCEEDINh 55 000 AND , IMPRISONMENT OF NOT MORE THAN TWO YEARS FOR ANY FALSE STATEMENT THAT VWE MAKE ON:THIS CATION. LL f ST ASSIGN- Signature of First Purchaser or Authorized Slgner'3...yt ~ .. / fJ L r Telephone,No. •. ~ ~ Signature of Co-Purchaser/T'Ne of uthorized Si ner ~l Y_ i J MEN7 ~ g (~ ~ w,,.» ~ C f 2ND Signature of Second Purchaser or Authorized Signer Telephone No. ASSIGN- MENT tgnature o o- urc aser Ne onz tgner ( ) H. ~ z O NOTE: IF A CO-PURCHASER OTHER THAN YOUR SPOUSE IS LISTEO ANC 1'OU WANT THE TITLE TO BE LISTED AS'JOINT TENANTS WITH RIGHT OF SURVIVORSHIP' (ON DEATH OF ONE J a OWNER, TITLE GOES TO~S{1RVIVING OWNER) CHECK HERE O. OTHERWISE, THE TITLE WILL BE ISSUED AS "TENANTS IN COMMON' (ON DEATH OF ONE OWNE F ~ f R, INTEREST OF DECEASED OWNER GOES TO HISMER HEIRS OR ESTATE.) ~= NOTE: IF THE VEHICLE IS TO BE USED~AS A DAILY RENTAL OR LEASED VEHICLE CHECK THIS BLOCK O IF BLOCK IS CHECKED COMPLETE AND , . , ATTACH FORM MV-1L. { ~) ~I ~) .-~ 2. DEALERlISSUING AGENT FARLEY'S JEWELERS CLEARVIEW SHOPPING CENTER HANOVER, PA 17331 (717)632-6484 JEWELRY IDENTIFICATION AND APPRAISAL FOR ESTATE PURPOSES PROPERTY OF Straw Family Trust ADDRESS Date January 31, 2011 This appraisal was prepared by a graduate gemoloaist of the Gemological Institute of America, using industry accepted professional jeweler's instruments and current pricing information for gemstones and precious metals. I'ze major factors determining the value of the gemstone are the cut, clarity, color, and ;weight of the gemstone. All have been carefully examined and are detailed in this appraisal. ~i~e recommend that you keep this appraisal in a place safe from fire, loss or theft. ~f market conditions change, we recommend a review acid update of this appraisal by a qualified appraiser. This appraisal is made and delivered by us strictly to the following terms: (1) the appraisal is for the purpose shown above, and we express no opinion as to value for purpose of any sale, trade, loan or other transaction; (2) if appraisal was performed for insurance purposes, "Estimated Value" is our opinion of the retail replacement cost this date based upon our current pricing policies, which may vary from those of other jewelers; if appraisal was performed for estate purposes, "Estimated Value" is our opinion of the price a willing seller and willing buyer would agree to without a forced sale; "Estimated Value" for estate purposes is lower than replacement costs; (3) mounted gemstones are appraised only insofar as the mounting permits accurate observation, and appraisals of mounted gemstones are therefore subject to substantial variation; (4) we assume no liability with respect to any action which may be taken or may be forgone, on the basis of this appraisal; and (5) we make NO WARRANTY OF MERCHANTABILITY, FITNESS, VALUE OR OTHERWISE; either expressed or implied, with respect to the item or items appraised 1 1 ~•, , APPRAISER DATE /~ 1 , C I HAVE READ THE FOREGOING TERMS OF THIS APPRAISAL, AND I ACCEPT THE APPRAISAL SUBJECT TO SUCH TERMS RECIPIENT DATE ~ ~ ~~~ JEWELRY IDENTIFICATION AND APPRAISAL PROPERTY OF: Straw Family Trust i/si/11 DESCRIPTION OF ARTICLES: ESTIMATED VALUE 1} 14KT yellow gold cuff links. The links are oval in design with a center satin finish. Each cuff link contains a round brilliant cut diamond, each weighing approximately 0.09/1.00 carats. The cuff links weigh 8.87 dwt. ESTATE VALUE: $300.00 2) 14KT yellow gold tie bar. The tie bar contains a weave design. The bar weighs 2.23dwt. ESTATE VALUE: $55.00 3) 14KT yellow gold chain. The chain is an oval and circle design. The chain measures 18 '-~ inches and weighs 35.72dwt. ESTATE VALUE: $800.00 4) Unassayed yellow gold nugget pendant containing two (2) round diamonds totaling approximately 0.37/1.00 carats. SI- clarity, F-G color. The pendant weighs 2.94dwt ESTATE VALUE: $540.00 5) Unassayed yellow gold nugget pendant weighing 3.6?dwt. ESTATE VALUE: $80.00 6) 14KT yellow gold rope chain. The measures 18" inches in length and weighs 10.71dwt. The chain is damaged with a break ESTATE VALUE: $230.00 7) Gents Gypsy style diamond ring. Set as the center is an approximate 0.63/1.00 carat round diamond. Il-clarity, H-I color. The ring weighs 4.43dwt. ESTATE VALUE: $700.00 8) Gents lOKT yellow gold Carnellian ring. The center is set with a Carnelian measuring approximately 15.5mm. The ring weighs 4.43dwt. ESTATE VALUE: $95.00 9) Ladies Hamilton wrist watch. The watch is a square design in platinum, case back stamped 811. A seventeen (17) jewel movement #T459261. Twenty (20) single cut round diamonds accent the case. A 14KT white gold diamond band completes the watch with seven (7) single cut round diamonds on each side. ESTATE VALUE: $475.00 10) 14KT yellow gold tie bar. Bright set in the center is a single cut diamond. The bar weighs 5.20dwt. ESTATE VALUE: $115.00 11} 14 KT yellow gold tie bar. Set at the end of the bar in a white gold plate are two (2) round diamonds totaling approximately 0.06/1.00 carats. The bar weighs 4.15dwt. ESTATE VALUE: $125.00 12) Gents 18KT yellow gold Lemania chronograph wrist watch case back #177, seventeen (17} jewel movement #1042017. A 14KT yellow gold expandable style buckle bracelet band is used with the Hallmark CDL ESTATE VALUE: $1115.00 13) Gents unassayed yellow gold ring. Set into the top ir. white gold are three (3) diamonds. Two (2} old mine cut and one {1} old European. Average clarity is I1, color H-I. Total approximate diamond weight is 1.19/1.00 carats. The ring weighs 4.93dwt. ESTATE VALUE: $1395.00 14) Unassayed yellow gold nugget pendant. The pendant weighs 7.97 dwt. The pendant is completed with a 14KT yellow gold rope chain measuring 18" inches in length. The chain weighs 14.22dwt. ESTATE VALUE: $485.00 15) Gents 14KT yellow gold 32 degree Masonic finger ring set with an approximate 0.57/1.00 old European cut diamond. SI2-clarity, H-color. The ring weighs 5.82dwt. ESTATE VALUE: $700.00 16) Gents yellow gold curb link bracelet. The bracelet measures 8 ~ inches in length and weighs 15.26dwt. ESTATE VALUE: $340.00 17) 18KT yellow gold mid-size Rolex datejust wrist watch. Yellow gold fluted bezel, sapphire crystal quick set, date, concealed clasp with a presidential bracelet. A white roman numeral dial completes the watch. Model# 68278 Serial E142181 ESTATE VALUE: $7500.00 i?5/1'~/'?070 15:33 FAX ~ 004%006 "~ . S . --__... _ r>r~~~x~rti'.~~i:~ ~~~~~ V T\ 1 KDf~?ert )!'1. R'IcC:rtr-d t!~t:l.nltitlt,; t%I::rl~t~.t:rv 1 iK)6t} I d7. I '1'rca5ttrcr AFFEDAV(T & It~tDENtNC~ICA7'iaN AGREEMi=N7 STATE OF cnnSy ~ RN ~ n COUNTY OF Gv „~ bcr AN tt ', 11 Enet:.v~ o F~-1+c. ~ ~ o QEiN(~ first duly sworn, r ~ W. Sh ~pLc. (~c~.,.t; s A . Sf~a~..~ ("Claimant(s}"} deposes and represents as tollaws; TH/lT Claimant(s) resides al~„. ~_,r~~.3 ~Jr' ~S ~/y r tv ~ l1 ~ E-t;/O /i~ I°f} j7O~ S" _~ THAT Claimants} has made a claim for unclaimed properly held by the Treasury Department; THAT Claimant(s) i~ unable to present to the Treasury Department, as proof at entitlement to the Unclaimed property, the foElowing original property information. Property ID Property Description Cash GfaimRd Sharon ISSUO Name Hoidor .. ..... ........ 52~i6i7 Denoutualixatian Cash w26.88 0.00 MEfLIFE 1NC DEMUTUALlZATION {F 52"11618 Dornutualizalion Stock ~t,1t2_d0 0.00 MET(.iF~-NC DEMU METLIFE INC DEMUTUALIZATIC7N (F because such property described abov4 h;~s bpen lost, stolen, destroyed, misplaced, or never received and Claimant, his/her heirs, assigns or successors have not rsccived or enjoyed any benefit from the property or proceeds therefrom; THAT Claimant(s}, in exchange for payment by the Treasury Department of said claim, ar~rees !o at alt limes indemnify, save, defend, and keep harmtcrs; the "Crew>ury Department, its employes and representatives, from and aclainsi any and all claims, demands, actions, or suits ag.linst them, whether groundless or othct~n+iso, and any and all lasses, damngc3s, IiabBRir;s, rests and foss arising otit qt or in any way connected with the payment of thf2 claim, particularly by reason of a claim for payment to any third person claiming an ownership interest th~roin or who may hereafter come into possession of the oriyinat security, regardless of whether such claims, ac,Iiont, losses, dam,=ages, suits or liability prise in whale or in part from the grass negligenGa or willful mi;>conduct of the'Cr4asury Department; Ti-tAT Ch~imanl(s) ~grE'es that ihi; Affidavit and indemnification ~rgreement shall be construed in accordance with the laws of the ~OnlmOnWt~calttl of Pennsylvania; and THAT Claimant{s) acknowledges end undarst5~nds that any information andlor documentation supp}ied with the claim, if false, will subject Claimant to pro::ecution under 18 Pa. C.S.§49Q4, relating to unsworn falsification to authorities; the cnnvictian of which could subject Cl~rimant to z prison Eerm of up to two years :ind a fine of up to 55,000. Signature of Claimant() BEFOf2E ME, the undersigned authority, on this day personally appeared i' ~ N ~• S od , known to mo (or introduced to me &y _}, to be the person whose name {s subscribed to the orego~ing-instrttmenk, and aoknowicdgcd so helshe executed the same for the purposes and consideration therein expressed and SU85CRIBED AND SVVORN TO ME this the _~ c~~h dizy of A.D. 20~CZ. c: COMMONWEALTH OF PENNSYLVANIA Notary Signature: ~-`-`_~ Notarial Seal ~ 1 Danielle Wlnn, Notary PubUc Prtnfed Name of Notary: .t )C~C1 ~ ~~` e W ~ n~ Camp HIII Boro, Cumberland County t MyCommtsSlon Expkes:SepG.;~, 2013 My cornmisslon expires: ~p~ ~ ~? Member, Pennsylvania Assoclatlon of Notaries IMPORTANT NOTtGE TO 7HE NOTARY PUC3LIC: Att blanks on this form must be completed prior to notarization or the form wilt be considered incomplete and processing of the claim may be delayed. Additionally, in accordance with the Notary public Law (57 P.S. § 1A7 Qt seq.), a notary public may not nci if he/she has a direct or financial interest fn tttd Claim. RETURN +rLA~M FORM AND PQCI3MENTAT14N TC): firiri~~tu rif t)nrlilirTlr?d PrOpfrfy I P~C)~ (30X 1f3:;"i I t'I7~rrisbUrq, PA 1.710`i-IN"i7 I t.F?C1C1.7.7~.2O~Ifi IOOGOlA21 ra~7c 3 S/7?JGQIfI YVWW . p~f trr•~I SUr`/.Ol~t] _r ~~r ~. ~v ~~ ~~~ r nn PRUPERTY OESCR1PTtON ~ 0051006 .: r.. .~?ro o :.(J n rirms~tt`~n=,.;:_.:..... _...__.. , . ~. -•-._._ ,. _ ,;,,, ~.:::. - H -- - .:HOIC1er: - - `\N.,~iF'.''.~~II~=Ji~T1 ~ ~Y _ _YO el,[ _ ^t ,~YC.~iI-~~.''~ (!1) 7riitinal Uv+nrr'!; Name (H) Original twnnr's Addrnss.es Roportod STRAW LI=WIS A 1930 SUSOUEt-fANNA ST HARRISE3U~iG PA 17102.2230 (~i} 11pItIG1 RS:DV1tut!J )-luSrJN (!)) tits! Tr;irl[:GClIGil DAlr+ METLIFE !NC CJ1wMl}Ti,1At_f~A'i'ION (PAj 7J15/2003 (E:i) I'1nld Etr Addreys and (.On1aGt (F}Type of Funds Rsportcd pFFICE pF' THE CORPORATE SECRETARY ONE MADIS Demuulali~atian Cash NEW YORK NY 10123 {G) Co;lirclL, POti(.y Ot Chot;k Nurnpi:r ARANpONEt'~ pI~OPI;R~tY UNIT (1.300)63$-5$52 (H) Amount Roporiod X26 88 .Y. ~ 11' ~ .i:V fLi ~ rr~4 r ' ~'.l'\yv~1( /~ t o ~~` ::l:rm-.1d:;+ 'Y'r 9~ ~ ~f'•i• ~,~ ' (A) Qr?giant Ownols Nnmo (B) Origins! Uwnorc Addro.ts ss Roportod STRAW LEWIS A 1930 SUSC}UEF~IANNA ST HARRISBURG PA 17102-2230 (C) Hotdor RGportint) Funds (O) Last Tran~cusn Duta M7=TLIFE INC DEMUTUALtZATION (PA) QA,'0512D00 (E) HaldorAddross crud C6MaCt (F} Typit of Funds Reported OFFICE OF THE CORPORATE SECRETARY ONE" MADIS Domuturalization Stock NEW YORK NY t 0123 {cS Cunsfiaar. Norry to Gl'rGCk t~1)mlX:r At3ANUQNED PROPERTY UNIT (HOOj6$8-5$3"2 (H) Amount Rnportod ",p 1,112.00 Total Shares Claimed 0.0000 Total Cash Claimed X1,138.$$ Rt;TURN CLAIM FARM ANp RPCUMENTATZQN TQ: Bure.;u, of Unr..I;,imEed Property i D.Q. Pax 1837 l Harrishury, DA t%tQ-tft3% I t.A00.?%?.1046 I00601~}2i Page J S/IZ/2010 www.patreasury-arc) September 21, 2011 Integrity B A N K Steven W. Fahnestock & Associates 1513 Cedar Cliff Drive Camp Hill, PA 17011 Re: Estate of: Social Security #: Date of Death: Lewis A. Straw 187-07-6895 04/28/2010 Dear Mr. Fahnestock, Here are the date of death balances for Mr. Straw's accounts with Integrity: 203007033 - $15,060.98 Opened 09/26/2006 3002701 - $100,000.00 Opened 10/06/2006 3002719 - $1,293,807.31 Opened 10/06/2006 Accounts 203007033, 3002701 were titled: A Marian Straw Lewis A. Straw Account 3002719 was titled: Lewis A. Straw A Marian Straw There was no change of ownership on the accounts within one year of 04/28/2010. Please let me know if you need anything else. Sincerely, Debbie Painter Integrity Bank -Camp Hill Customer Service Representative 345 Market Street, Cmnp Hill, PA 17011 • Phone: 717-920-4900.877-I-HAVEIT • Fax: 717-920-4904 • www integritybankonline.rorn APPRAISAL OF REAL PROPERTY LOCATED AT 617 PEEPER STREET HARRISBURG, PA. 17102 DEED BOOK 804 PAGE 230 MSA# 42043 FOR SHOOK ,BRYAN W., ESQUIRE 2132 MARKET STREET CAMP HILL, PA 17011 OPINION OF VALUE 39,700 AS OF JULY 30 , 2010 BY PATRICK A. McCARTHY McCARTHY ASSOCIATES (717)796-9770 mcca rthyassociates@comcast. net Form GA1V-'TOTAL for Windows' appraisal software by a la node, inc. -1-800-ALAMODE JULY 30,2010 SHOOK ,BRYAN W., ESQUIRE 2132 MARKET STREET CAMP HILL , PA. 17011 Re: Property: 617 PEEPER STREET HARRISBURG, PA. 17102 Borrower: N/A File No.: In accordance with your request, we have appraised the above referenced property. The report of that appraisal is attached. The purpose of this appraisal is to estimate the market value of the property described in this appraisal report, as improved, in unencumbered fee simple title of ownership. This report is based on a physical analysis of the site and improvements, a locetional analysis of the neighborhood and city, and an economic analysis of the market for properties such as the subject. The appraisal was devebped and the report was prepared in accordance with the Unrform Standards of Professional Appraisal Practice. The value contusions reported are as of the effective date stated in the body of the report and contingent upon the certifiption and limiting conditions attached. It has been a pleasure to assist you. Please do not hesitate to contact me or any of my staff'rF we can be of additional service to you. Sincerely, %Y eCr /..t.~i(Jj TJ PATRICK A. McCARTHY( McCarthy Associates Bonower N/A Fle No. STRAW FAMILY TRU: Pro Address 617 PEEPER STREET Ci HARRISBURG Coun DAUPHIN State PA. L Code 17102 Lender Client SHOOK BRYAN W. ESQUIRE APPRAISAL AND REPORT IDENTIFICATION This Appraisal Report is 17118 of the following types: ^ SeH Contained (A written report prepared under Standards Rule 2-2(a) , persuant to the Scope of Work, as disclosed elsewhere in this report.) ®Summary (A written report prepared under Standards Rule 2-2(b) , persuant to the Scope of Work, as disclosed elsewhere in this report.) ^ Restricted Use (A written report prepared under Standards Rule 2-2(c) , persuant to the Scope of Work, as disclosed elsewhere in this report, restricted to the stated intended use by the spec'rfied client or intended user.) Comments on Standards Rule 2-3 I certify that, to the best of my knowledge and belief: • The statements of fact contained in this report are true and correct. • The reported anayses, opinions, and conclusions are Imbed only by the reported assumptions and limiting conditions and are my personal, impartial, and unbiased professional anayses, opinions, and conclusions. • I have no (or Ne specified) present or prospective irderest in the property that is the subject of this report and no (ar the specified) personal interest with respect to the parties involved. I have no bias with respect to the property that is the subject of this roport or the parties invoved with this assignment • My engagement in this assignment was rxlt contingent upon developing or reporting predetermined results. • My compensation for completing this assignmertt is rrot comirgent upon the devebpment a reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainmlxd of a stipulated result, or the occurrence of a subsequent event directy related to the intended use of this appraisal. • My anayses, opinions and conclusions were devebped and this report has been prepared, in coMormity with the Uniform Standards of Professional Appraisal Practice. • I have (or have not) made a personal inspection of the property that is the subject of Nis report No one provided significant real property appraisal assistance to the person signing this cert'rfication. (M Nere are exceptions, Ne name of each individual providing significant real property appraisal assistance is stated elsewhere in this report) Comments on Appraisal and Report Identification Note any USPAP related issues requiring disclosure and any State mandated requirements: THE INTENDED USER IS THE LENDER/CLIENT OF THIS REPORT. THE REPORT/S IMPLEMENTED FOR LOAN SERVICING AND IS NOTED HEREW. APPRAISER: SUPERVISORY APPRAISER (only if required): Signature: ~~"~ '~'' ~~'~ ~ ( Signature: Name: PATRICK A. McCARTHY Name: Date Signed: August 04, 2010 Date Signed: State Certfication #: RL 001155 L State Certification #: or State License #: or State License #: State: PA. State: Expiration Date of Certification or License: 6-30-11 F~iration Date of Certification or Lcense: Supervisory Appraiser inspection of Subject Property: Effective Date of Appraisal: JULY 30 , 2010 ^ Did Not ^ Exterior-Dory from street ^ Imedor and Extedor Form 1006-'TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE McCarthy Associates Uniform Residential A raisal Re ort PRVT./ CONFID. PP P File# STRAW FAMILY TRUST ine purpose or rrns summary appraisal report is to provide the kinder/client with an accurate, and adequatey supported, opinion of the market value of the subject property. Pro a Address 617 PEEPER STREET Ci HARRISBURG State PA. Z Code 17102 Borrower N/A Owner of Public Record STRAW LEW IS A. / MIRIAN Coun DAUPHIN L al Descri tion DEED BOOK 804 PAGE 230 MSA # 42043 Assessor's Parcel # 07-004-001 Tax Year 2010 R.E. Taxes $ 1 551.10 Nei hborhood Name CITY OF HARRISBURG / 7TH. WARD Ma Reference ADC 11 Census Tract 0207 Occu ant Owner Tenant Vacarrt S ecial Assessments $ N/A PUD HOA $ N/A er ear er month " Pro a Ri hts A raised ®Fee Sim k ^ Leasehokl Other describe Assi nment T e ^ Purchase Transaction ^ Refinance Transaction ®Other describe ESTATE CONSULTATION -PRIVATE VALUATION Lender/Clierd SHOOK BRYAN W. ESQUIRE Address 2132 MARKET STREET CAMP HILL PA. 17011 Is the subject ro e curve offered for sate or has h been offered for sale in the twelve mordhs rior to the effective date of this a raisal? Yes No Re ort data sources used, offerin nce s ,and dates . PROPERTY OW NER / MLS 1 ^ did ®tlitl not anayze the contract for sale for the subject purchase transaction. Explain the results of the anarysis of tfre contract for sale or why the anaysis was not erfonned. N/A Conhact Price $ N/A Date of Cordract N/A Is the roe seller the owner of ubGc record? Yes No Data Sources N/A Is there any financial assistance (ban charges, sale concessions, gift or downpaymerd assistance, etc.) to be paid by any party on behalf of the borrower? ^ Yes ^ No tt Yes, re ort the total dollar amount and describe the items to be aid. N/A Note: Race and the racial com sition of the nei hborhood are not a isal factors. Nei htiothood Characterlstfcs One-Unit Housi Trends One-Unit Housin Present Land Use 9G : Locatbn ®Urban Suburban Rural . Built-U Over 75% ^ 25-75% Under 25% Pro Values Increasin Stable Decfinin Drmand/Su Shorta a In Balance ^ Over Su PRICE AGE $ 000 rs One-Unit 76 % 2-4 Unit 09 % Growth Ra id Stable Slow Markefin Time Under 3 mths 3-6 mths Over 6 mths 2 Low 49 Mu10-Fami 02 % Ne hfwrhood Boundaries THE SUBJECT IS BOUNDED AT THE NORTH BY DIVISION ST. WEST 99 HI h 119 Commemial 12 % BY 6TH. STREET SOUTH BY MACLAY STREET EAST BY 7TH. STREET. ' 36 Pred. 80+ Other 01 % Ne hborhood Oescri flan THIS URBAN NEIGHBORHOOD IS COMPRISED OF SIMILAR PROPERTIES OFFERING COMPARABLE QUALFIY STYLE DESIGN AND APPEAL. AVAILABILITY TO MOST MAJOR EMPLOYMENT SECTORS AND RELATIVE CONVENIENCE TO SHOPPING FOOD/RETAIL SCHOOLS PUBLIC -ALL LEVELS AND TO RECREATION AREA GOLFING FISHING/HUNTING . Market Conditions mcludin su ort for the above conclusions LOCALLY REAL ESTATE MARKET CONDITIONS ARE STABLE AS SALES ACTNIIY IS ON-GOING DESPITE SOME OTHER CONCERNS ABROAD. INTEREST RATES REMAIN LOW AND ECONOMICALLY ATTRACTIVE TO MOST CONSUMERS. DEMAND/SUPPLY IS STABLE AND MARKETING TIME IS ESTIMATED AT 3-6 MONTHS. Dimensions 12.6 X 69 Area 869 S.F. Sha a RECTANGULAR View PLEASANT S ecificZorri Classification RESIDENTIAL-1 Zonin Descn tian S/F RESIDENTIAL Zonin Com trance L al Le al NoncoMormi Grandfathered Use No Zonin II al describe Is the h' hest and best use of sub ect roe as im roved or as ro osed er Ions and s ecifica0ons the resell use? Yes No tt No, describe UtltOes Public Other(descrbe) Public Other(deserttre) Off-site lm rovemerrts-T Public Private Electric' 100 AMP Water ® ^ Stree[ MACADAM Gas ^ Sanita Sewer ® ^ A MACADAM ® ^ FEMA S ecial Food Hazard Area Yes ®No FEMA Food Zone C FEMA Ma # 420380 A FEMA Ma Date 5-2-77 Are the utilities and off-site im rovemerds ical for the market area? Yes No tt No, describe Are there an adverse site conditions or external factors easemems, encroachments, environmental conditions, land uses, etc. ? Yes No tt Yes, describe NO DELETERIOUS CONDITIONS CURRENTLY EXIST. THERE MAY BE EASEMENTS ENCROACHMENTS AND RIGHTS-0F-WAY THAT THE APPRAISER IS UNAWARE OF. FURTHER THE APPRAISER IS NOT PROFESSIONALLY QUALIFIED TO ASSESS MOST ENVIRONMENTAL ISSUES. OeoeraFl)esal on' Foundation EzteriorDescri ion rrraterlals/conditlon Irrferior nrateriala/conrliHon Units One One wtth Access Unit Concrete Slab Crawl S ace Foundation Walls STONE AVG. Fbors W D: WAN GD. # of Stories 3 FuB Basement Partial Basement Exterior Wags BRICK GD. WaNs PLSTR. GD T e Det. ^ Att. ®S-DeL/End Unit Basement Area 598 s .h. Roof Surface FLAT B/U AVG. . TrfndRnish WOOD GD. Fxistin Pro osed Under Const. Basement Finish -00- % Gutters & Downs outs ALUMINUM AVG. Bath Fbor VINYL GD. Desi n S le 3 STY.ENDROW Outside Ent /Exit Sum Pum Window T e DOUBLE-HNG GD. Bath Wainscot PLSTR. GD. Year Suitt 1900 +/- Effective A e rs 30 Attic None Evidence of Irrtestafion ^ Dam ness Settlement Heafin FWA IIWBB Radiant Storm SasfVlnsulated ALUMINUM AVG. Screens ALUMINUM AVG. Amenities Woodstove s # Car Stara a None Drivewa # of Cars Drivewa Surface Dro Stair Stairs Other Fuel GAS Rre laces # Ferx:e Gara e # of Cars Fbor Scuttle Cookn Central Air Conditionin Pafio/Deck Porch STP./CR Ca ort # of Cars Finished Heated krdividual Otlrer Pool Other Att ^ Det Built-in A fiances ®Relrt erator ®Ran eJOven ^ Dishwasher ^ Dis oral ^ Microwave ^ Washer/D er ^ Other describe Rnished area above rode contains: 8 Rooms 5 Bedrooms 1 Baths 1 651 S ware Feet of Gross Livin Area Above Grade . Adtlifional features s ecial ene efficient items etc.. FRONT STOOP 'COVERED REAR PORCH 5 X 13 HOME HAS BEEN FRESHLY PAINTED WITH NEW FINISH FLOORING 'GAS FWA ' 100 AMP ELECTRIC 'METAL KRCH. CABINETS 'FULL BSMT. -UNPIN. Describe the condttion of the roe rnGudin needed re airs deterforafion, renovations, remodelin etc.. NORMAL DEPRECIATION IS NOTED. NO PHYSICAL FUNCTIONAL OR EXTERNAL INADEQUACY WAS NOTED OR WITH THE FLOOR PLAN. WITH GOOD MAINTENANCE AND CONDITION THE SUBJECT WILL RECOGNIZE CONTINUED GOOD ACCEPTANCE IN THIS MARKETPLACE. Are there an sical deficiencies or adverse conditions tfrat affect the INabil' ,soundness, or shuctural int r' of the ro ? Yes No tt Yes, describe 7HE APPRAISER DELIVERS AN OPINION OF VALUE ONLY. HE IS NOTA STRUCTURAL ENGINEER NOR GENERAL CONTRACTOR AND NO PHYSICAL WARFtANTYS ARE MADE. THE UNIT IS IN AVERAGE /GOOD OVERALL CONDITION. Does the roe eneral corrform to the nei hborhood functional util' le, condttion, use, conswction, etc. ? Yes No tt No, describe FUNCTIONAL UTILITY SME USE AND CONDITION. Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005 Fonn 1004 -`TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE PRVT./ CONFID. Uniform Residential Annraisal Rannrt - -- -- rr r/11vIIL1 IRVJI There are 0 com arable ro erties Curren offered for sate in the subject nei hborhood ran in in rice from $ 0 to $ 0 There are 3 com arable sales in the subject nei hborhood within the ast twelve momhs rani in sale rice from $ 40 000 to $ 51 900 FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 617 PEEPER STREET HARRISBURG 621 CAMP STREET HARRISBURG 1813 SUSQUEHANNA STREET HARRISBURG 2024 SUSQUEHANNA STREET HARRISBURG Pro>om' to Sub'ect 0.24 miles 0.38 miles 0.38 miles Sale Price $ N/ S 51 900 $ 40 000 $ 43 500 Sale Price/Gross Liv. Area $ 24.05 s .h. $ 29.08 s .tt . $ 32.84 s .tt. $ 26.79 s .tt. Data Sources MLS # 10175610 MLS # 10185217 MLS # 10180574 Verification Sources CT. HSE /MLS CT. HSE /MLS CT. HSE /MLS VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad'usiment DESCRIPTION + - S Atl'ustmem DESCRIPTION + - $ Ad'ustrnent Sales a Rnancing Concessions ~ FHA ! DOM / 127 -3,114 CASH DOM / 204 0 CONY. DOM / 88 p Date of Sale/Time 8-18-09 4-26-10 10-20-09 location URBAN URBAN /SUP. -3 500 URBAN /SUP. -3 500 URBAN /SUP. -3 500 LeasehokUFee Sim le FEE SIMPLE FEE SIMPLE FEE SIMPLE FEE SIMPLE Site 869 S.F. 1 307 S.F. -1 000 741 S.F. 0 800 S.F. 0 View PLEASANT SIMILAR SIMILAR SIMILAR Desi n S k 3 STY.ENDRO 3 STY. INSD. +2 000 3 STY. INSD. +2 000 3 STY. INSD. +2 000 Duali of Den51NC110n GOOD GOOD /SIM. 0 GOOD /SIM. 0 GOOD /SIM. p Actual A e 110 +/- 110 +/- 0 110 +/- 0 110 +!- p Condition GOOD VG /SUP. -5 000 VG /SUP. -5 000 VG /SUP. -5 000 Above Grade Total Bdrms. Baths Total Bdrms. Baths Total Bdmrs. Baths Trial Bdrms. Batlu Room Coum 8 5 1 8 5 1 0 6 3 1 +1 000 8 5 1 0 Gross Livin Area 1 651 s .ft. 1 785 s .h. -1 600 1 218 s .ft. +5 200 1 624 s .h. 0 Basemerd 8 Rnished Rooms Bebw Grade FULL -00- FULL -00- 0 FULL A0. 0 FULL -00. p Functional Util' GOOD SIMILAR SIMILAR SIMILAR - Heatin Coolin GFWA GFWA 0 EBB 0 OFWA p ,' Ener Efficient hems STORM UNITS SIMILAR SIMILAR SIMILAR Gara e/C - STRT. PKG. STRT. PKG. 0 STRT. PKG. 0 STRT. PKG. 0 Porch/Patio/Deck STP./CR POR. CF/CR PORCH 0 STPJCR POR. 0 CF/CR PORCH 0 • Net Ad'ustment otal ^ + ®- S 12 214 ^ + ®- $ 300 ^ + ®- $ 6500 Adjusted Sad Price _ of Com ambles Net Adj. 23.5 % Gross Ad'. 31.2 % $ 39 686 Net Adj. 0.8 % Gross Ad'. 41.8 % S 39 700 Net Adj. 14.9 % Gross Ad'. 24.1 % $ 37 000 I did did not research tfte sale or transfer hi st of the subject ro and com arabl e sates. h not, ex lain 8-20-86 FOR $ 6000 M research did did not reveal an dor sales or transfers of the subject ro for the three ears dor to the effective date of this a sisal. Data Sources 8-20-86 FOR $ 6000 M research did did not reveal a dor sales or transfers of the Com arable sales fa the ear 'or to the date of sale of the Com arable sale. Data Sources TAX ASSMT. / CT. HOUSE Re art the resuhs of the research and ana sis of the ~a sale or transfer histo of the subject ro and Com arable sales re rt additional dor sales on a e 3 . ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3 Date of Prior Salr/Transfer 8-20-86 NO SALE WITHIN 3 YRS. NO SALE WITHIN 3 YRS. NO SALE W (THIN 3 YRS. Price of Prior Sale/Transfer $ 6000 Data Sources LEGAL DESC. TAX ASSMT. / CT. HOUSE TAX ASSMT. / CT. HOUSE TAX ASSMT. ! CT. HOUSE Effective Date of Data Sources 7-30-10 Ana sis of dor sale or transfer histo of the subject ro and co arable sales NO PRIOR SALES WITHIN THE LAST 3 YEARS SUBJECT / COMPS. Summa of Sates Com adson A roach THE COST APPROACH GENERALLY SETS THE UPPER LIMIT OF VALUE AS IT CONSIDERS REPRODUCTION COSTS. THE MARKET ANALYSIS IS THE MOST INDICATIVE APPROACH AS IT CONSIDERS OTHER SIMILAR SALES IN THE MARKET AREA. THIS APPROACH IS GENERALLY THE MOST RELIABLE. THE INCOME APPROACH IS NOT CONSIDERED NOR APPROPRIATE S/F RESIDENCE . Indicated Value b Sales Com adson A roach $ 39 700 indicated Value b :Sales Com dson A ch S 39 700 Cost A roach (if develo d) S 39 805 Income A ach (H deveb ) S N/A This appraisal is made ®'as is', ^ subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been competed, ^ subject to the following repairs or aherations on the basis of a hypothetical condition that the repairs or aherations have been completed, or ^ subject to the • followin r aired ins action based on the extraordina assum lion that the condition a deficlenc does not r wire ahera0on or r air. Based on a complete visual ins on of the interior and exterior areas of the subject properiv, defined scope of work, statement of assumptions and Iimhing conditions, and appreiser's rfiption, my (our) opinion of the market value, as defined, of the r~l property that is the subject of this report is S 39 700 as of JULY 30 2010 which is the date of in on and the effective date of this a raisai. Freddie Mac Form 70 March 2005 Page 2 of 6 Fannie Mae Form 1004 March 2005 Form 1004 -`TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE F PRVT./ CONFID. Uniform Residential Annraical Rannrt _......_....... _--... _. ' SEE ADDENDUM IRVJI ' COST APPROACH TO VALUE (not . utred b Fan0ie Mae) Provide ade uate information for tlw lender/c6erd to re Ficate the bebw cost fi unx and tabulations. Su art for the o inion of site value sumrtq of c arable land sales or other mettwds fa esdmati site value 'NOTE - DUE TO A LACK OF RECENT SIMILAR SIZED TRACTS THE APPRAISER UTILIZES HIS KNOWLEDGE AND EXPERIENCE IN THE SUBJECT MARKET BY ESTIMATING THE VALUE OF THE SUBJECT TRACT ESTIMATED ®REPRODUCTION OR ^ REPLACEMENT COST NEW OPINION OF SRE VALUE ................._................_._........._.__...._........ _$ 8000 Source of cost data MARSHALL-SWIFT RESID. COST HANDBOOK DWELLING 1 651 S .Ft. @ $ 32.20 ............. _$ 53 162 Oua' ratio from cost service GOOD Effective date of cost data 11-08 598 S .Ft $ 6.t5 ............. _$ 3 678 - Commends on Cost A roach ross kvin area calculations, d reciation, etc. STOOP CR PORCH _________. _$ 2 990 THE REPRODUCTION COST APPROACH IS DERIVED FROM Gara e/Ca rt STRT. S .Ft. $ _ _$ DATA IN THE MARSHALLSWIFT RESID. COST HANDBOOK Total Estimate of Cost-New _$ 59 830 GOOD QUALITY 3 STY. SEMI-DET. /END ROW Less sical Functional E>Qemal D reciation 29 915 =$ 29 915 De reciated Cost of Im rovements ...._ .................__ _._ _$ 29 915 HUD/FHAIVA PROPERTY STANDARDS ARE NOT APPLICABLE 'As-is' Vaue of Site I rovemems ____________________________________________________ _$ 1 890 TO THIS REQUEST. Estimated Remainin Economic Lfte UD and VA on 45-50 Years INDICATED VALUE BY COST APPROACH .___._......___... _$ 39 805 ' INCQME'APPROAGNTOVALUE(not ulredb FannieMae-' Estimated Month Market Rerd $ N/A X Gross Rent Mum tier N!A = $ N/A Indicated Value b Income A roach Summa of Income A roach mcludin su rt for market rent and GRM N/A PROJECT INFOFiMAT10N FOR PUDs (if a liable) Is the tlev er/builder in control of the Homeowners' Association OA 7 Yes No Unft s Detached Attached Provide the folbwin Irrformation for PUDs ONLY'rf dre deveb er/builder is in control of the HOA and the sub'ect ro is an attached dwellin unit. L al Name of Pro'ect N/A Total number of haws N/A Total number of units N/A Total number of units sold N/A Total number of units rented N/A Total number of units for sale N/A Data sources N/A Was the ro ect created h the cornersion of exisOn buiWin s irda a PUDT Yes No tl Yes, date of conversion. N/A Does the ro ect contain an mull-dweBin unts? Yes No Data Source N/A Are the units, common elemems, and recreation facilities tom late? Yes Na h No, describe the status of tom lefion. N/A Are the common elements leased to or b the Homeowners' Association? Yes No U Yes, describe the rerdal terms and a tons. N/A Describe common elements and recreational facilities. N/A Freddie Mac Form 70 March 2005 Page 3 of 6 Fannie Mae Forrn 1004 March 2005 Form 1004 -'TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE rrtv 1./ l.vrvrlU. nj orm esj en is ppraisal Report FikB STRAW FAMILY TRUST This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting condftions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certrfications are also not permitted. However, additional certrfications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organ¢ation, are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certrfications. The appraiser must, at a minimum: (1) pertorm a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a spec'rfied date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable Ume is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. *Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1- The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an idenfrfied Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless spec'rfic arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in pertorming the appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be pertormed in a professional manner. rretltlie Mac Norm 70 March 2005 Page 4 of 6 Fannie Mae Form 1004 March 2005 Fonn 1004 -'TOTAL for Windows' appraisal software by a la mode, inc. - 1-800-ALAMODE rnv i d i.vrvnv. ni orm esi en a ppraisa eport File~Y STRAW FAMILY TRUST APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identrfied and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and experience in appraising this type of property in this market area 12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value wtth respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental condttions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. 1 have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, wrttten or otherwise, that I would report (or present analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a spec'dic subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on sign'dicant real property appraisal assistance from any individual or individuals in the pertormance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualthed to pertorm the tasks. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. I identttied the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Freddie Mac Form 70 March 2005 Page 5 of 6 Fannie Mae Form 1004 March 2005 Form 1004 -`TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE F urnTOrm r~esidentiai Appraisal Report FikX STRAWyFAMILY 21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, govemment sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was Vansmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as 'rf a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limted to, fine or imprisonment or bath under the provisions of Tftle 18, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFlCATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qual'rfied to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Un"rform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER Signature.l~.~.~ d.~~~c~~ Name PA ICK A. McCARTHY Company Name McCARTHY ASSOCIATES Company Address 83 KELLY DRIVE CARLISLE PA 17013 Telephone Number (717) 796-9770 Email Address mccarthyassociatesCaZcomcast.net Date of Signature and Report August 04, 2010 Effective Date of Appraisal JULY 30 , 2010 State Certification # RL 001155 L or State License # or Other (describe) State # State PA. Expiration Date of Certification or License 6-30-11 ADDRESS OF PROPERTY APPRAISED 617 PEEPER STREET HARRISBURG, PQ 17102 APPRAISED VALUE OF SUBJECT PROPERTY $ 39,700 LENDER/CLIENT Name Company Name SHOOK ,BRYAN W., ESQUIRE Company Address 2732 MARKET STREET CAMP HILL . Pa Email Address ^ Did not inspect subject property ^ Did inspect exterior of subject property from street Date of Inspection ^ Did inspect interior and exterior of subject property Date of Inspection COMPARABLE SALES ^ Did not inspect exterior of comparable sales from street ^ Did inspect exterior of comparable sales from street Date of Inspection Fretltlie Mac Form 70 March 2005 SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name . Company Address Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License SUBJECT PROPERTY Page 6 of 6 Fannie Mae Form 1004 March 2005 Form 1004 -`TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE SUPPLEMENTAL ADDENDUM Borrower Client N/A R~ Pro a Address 617 PEEPER STREET Ci HARRISBURG Cou DAUPHIN State PA. Z Code 17102 Lender SHOOK BRYAN W. ESQUIRE ALL COMPARABLE SALES ARE CLOSED SALES. THOSE PROVIDED ARE THE MOST INDICATIVE SALES IN THE EXISTING SUBJECT MARKETPLACE, AND EACH ARE EXCELLENT INDICATORS OF VALUE. ADJUSTMENTS WERE MADE TO REFLECT THE MARKET REACTIONS TO THOSE ITEMS OF SIGNIFICANT VALUATION DIFFERENCE BETWEEN THE SUBJECT, AND THOSE COMPARABLES PROVIDED. THE COMPARABLES OVER 6 MONTHS OLD IN SALES DATE WERE CONSIDERED DUE TO THEIR LIKE STYLE, SIMILAR AMENfTIES, VINTAGE, CONDITION, SITE SIZE, AS WELL AS THEIR NEARBY PROXIMITY TO THE SUBJECT. OTHER MORE RECENT SALES WERE CONSIDERED BUT WERE NOT DEEMED TO BE AS APPROPRIATE AS THOSE PROVIDED. A COST FACTOR OF $12.00 PER SQUARE FOOT IS IMPLEMENTED AS A CONSISTENCY W ITH THE MARKET REACTION TO SUCH A DIFFERENCE, RATHER THAN A STRAIGHT LINE, COST BASIS ADJUSTMENT, WHICH WOULD OBVIOUSLY, BE SIGNIFICANTLY HIGHER. A SITE ADJUSTMENT IS IMPLEMENTED NOT A PRICE PER SQUARE FOOT, BUT RATHER AS A CONSISTENCY WITH THE MARKET REACTION TO SUCH A DIFFERENCE. A PRICE PER "RETAIL" SQUARE FOOT ADJUSTMENT WOULD WARRANT A SIGNIFICANTLY HIGHER GRID ADJUSTMENT, AND REMAIN INCONSISTENT WITH A DISCRIMINATING PURHCASERS MOTIVATION, WHICH IS ULTIMATELY MORE CONSISTENT WITH THAT DOLLAR ADJUSTMENT APPLIED. THE COMPS. WERE CHECKED FOR SALES CONCESSIONS, AND THEY ARE ADJUSTED ACCORDINGLY. THIS HAS NO IMPACT ON THE FOREGOING MARKET VALUE BEING REPORTED. • NOTE -THE SUBJECT IS SITUATED ON PEEPER STREET, W HICH HAS SEVERAL "BOARD-UPS " EITHER NEXT DOOR , OR ON THE SAME BLOCK. THE LOCATION IS INFERIOR TO THE COMPS. , AS THE SUBJECT LOCATION WILL BE MORE DIFFICULT TO MARKET, WITH LESS OVERALL APPEAL, LIKELY IMPACTING DAYS ON MARKET , AS WELL AS PRICE. FURTHER ,THE SUBJECT IS AN END UNIT WHICH TYPICALLY OFFERS ADDED MARKET APPEAL ,AND OVERALL PRNACY ,NEIGHBORING ONLY ONE PROPERTY TO A SIDE. THE COMPS. ARE EACH INSIDE UNITS ,YET THEY ARE THE BEST AVAILABLE. LASTLY ,WHILE THE SUBJECT HAS MODERATE COSMETIC UPDATE (PAINT/FLOORING) , IT LACKS THE NEW KITCHEN/BATH UPGRADE ,AND VARIATION OF REPL. WINDOWS ,AND ROOF ,ETC.... THAT EACH OF THE COMP. SALES, DO HAVE. REPORT/TEXT: PRESCRIBED BY THE UNIFORM STANDARDS OF APPRAISAL PRACTICE (USPAP), AS ISSUED BY THE APPRAISAL STANDARDS BOARD, THIS REPORT IS CONSIDERED TO BE A COMPLETE SUMMARY REPORT. THERE MAY BE DIGfTAL SIGNATURES USED IN THIS APPRAISAL REPORT. THEY ARE ACTUALNALID. USER: THE INTENDED SOLE USE OF THIS APPRAISAL REPORT IS EXCLUSIVELY FOR THE LENDER/CLIENT, AS NOTED ON THE COVER PAGE, OR PAGE ONE OF THE TEXT FORMAT, INTERNAL. IT IS CONFIDENTIAL IN NATURE, AND NOT INTENDED FOR ANY OTHER USE THAN THE LENDER/CLIENT, NOTED HEREIN. APPRAISER: THE APPRAISER HAS COMPLETED HIS 2-YEAR CONTINUING EDUCATION REQUIREMENTS, FOR THAT CERTIFICATION LICENSING CYCLE, WHICH IS MANDATED BY THE COMMONWEALTH OF PA., AND SUBSEQUENT PA. REAL ESTATE APPRAISAL BOARD. PERSONAL PROPERTY: NO PERSONAL PROPERTY, OR FIXTURE INTANGIBLES W ERE CONSIDERED IN THE VALUATION PROCESS, UNLESS OTHERWISE NOTED. Form SUP -'TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE Building Sketch (Page - 7) Borrower Client N/A Pro a Address 617 PEEPER STREET Ci HARRISBURG Ccu DAUPHIN State PA. Z Code 17102 Lender SHOOK BRYAN W. ESQUIRE .13.:0' :' -..' _ _, o PORCH ° ', 13.0' 13.0' f ' BEDROOM KITCHEN ,.13.0' - BATH. DING: RM. o ,.,: BEDROOM BR ° ° ' __ ~ M ~ :BEDROOM UVlNG ROOM ; BEDROOM 13:0' ..13.0' ' 13.0' ° STP', ;moo: .~~~ Comments: coda AREA CALCULATIONS SUMMARY oes«iption Sirs Natrotais GLAl Firat Floor 598.00 599.00 GLA2 Second Floor 663.00 663.00 GLL3 Thizd Floor 390.00 390.00 P/P Porch 65.00 Porch 32.00 97.00 TOTAL LIVABLE (rounded) 1651 LIVING AREA BREAKDOWN Breakdovm SubtoWs Fizst 81oor 13.0 x 46.0 598.00 Second Floor 13.0 x 51.0 663.00 Third Flooz 13.0 z 30.0 390.00 3 Calculations Total (rounded) 1651 Form SKT.BIdSkI - `10TAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE Subject Photo Page FI Borrower Cfient N/A Pro Address 617 PEEPER STREET Ci HARRISBURG Coun DAUPHIN State PA. Z Code 17102 Lender SHOOK BRYAN W. ESQUIRE Subject Front 617 PEEPER STREET Sales Price N/A Gross Living Area 1,651 Total Rooms 8 Total Bedrooms 5 Total Bathrooms 1 Location URBAN Vew PLEASANT Site 869 S.F. Quality GOOD Age 110 +/- Subject Rear Subject Street Form PIC3x5.SR -'TOTAL for Windows' appraisal soriware by a la mode, inc. -1-800-ALAMODE PHOTOGRAPH ADDENDUM Borrower Client N/A Pro a Address 617 PEEPER STREET Ci HARRISBURG Coun DAUPHIN State PA. L Code 17102 Lender SHOOK BRYAN W. ESQUIRE Form GPIC3X5 -`TOTAL for Windows' appraisal software by a la mode, inc. - 1.800-ALAMODE PHOTOGRAPH ADDENDUM F Borrower CBent N/A Pro Address 617 PEEPER STREET Ci HARRISBURG Cou DAUPHIN State PA Z Code 17102 Lender SHOOK BRYAN W. ESQUIRE Form GPIC3X5 -'TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE PHOTOGRAPH ADDENDUM Borrower CFem N/A Pro Address 617 PEEPER STREET Ci HARRISBURG Cou DAUPHIN State PA. L Code 17102 Lender SHOOK BRYAN W. ESQUIRE Form GPIC3X5 -'TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE Comparable Photo Page Borrower CFerd N/A Pro Address 617 PEEPER STREET Ci HARRISBURG Cou DAUPHIN State PA. L Cade 17102 Lender SHOOK BRYAN W. ESQUIRE Comparable 1 621 CAMP STREET Prox to Subject 0.24 miles Sale Price 51,900 Gross Living Area 1,785 Total Rooms 8 Total Bedrooms 5 Total Bathrooms 1 location URBAN /SUP. Vew SIMILAR Site 1,307 S.F. Quality GOOD /SIM. Age 110 +/- Comparable 2 1813 SUSQUEHANNA STREET Pmx to Subject 0.38 miles Sale Price 40,000 Gross Living Area 1,218 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1 Location URBAN I SUP. Yew SIMILAR Site 741 S.F. Quality GOOD /SIM. Age 110 +/- Comparable 3 2024 SUSQUEHANNA STREET Prox to Subject 0.38 miles Sale Pdce 43,500 Gross Living Area 1,624 Total Rooms 8 Total Bedrooms 5 Total Bathrooms 1 Location URBAN /SUP. Yew SIMILAR Site 800 S.F. Quality GOOD /SIM. Age 110 +/- Form PIC3x5.CR -`TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE Market Conditions Addendum to the A nnraisal Repnort PRVT./ CONFID. pr_ r Fle No. STRAW FAMILY TRLIS- use ymyuse m mrs auaenaum is rm prowae me ienaer/clu'm wnn a clear and accurate understanding of the market trends and conditions prevalent in the subject nei hborhood. This is a r wired addendum for all a raisal re orts with an effective date on or after dl 1, 2009. Pro Address 617 PEEPER STREET Ci HARRISBURG State PA. -P Code 17102 Borower N/A Instructions: The appraiser must use the information required on this form as tfre basis for his/her conclusions, and must provide support for those conclusions, regarding housing trends and overall market conditions as reported in the Neighborhood section of the appraisal report form. The appraiser must fill in all the information to the extent it is available and reliable and must provide anatysis as indicated bebw. K any required data is unavailable or is considered unreliable, the appraiser must provide an explanation. ft is recognized that not all data sources will be able to provide data for the shaded areas bebw; 'rf R is available, however, the appraiser must include the data in the analysis. tl data sources provide the required information as an average instead of the median, the appraiser should report the available figure and identify a as an average. Sales and listings must be properties that compete with the subject property, determined by apptying the cdteda that would be used by a prospective buyer of the subject prop .The appraiser must explain any anomalies ih the data, such as seasonal markets, new construction, forecbsures, etc. lovent Ape ~ Prior 7-12 Mordhs Pdor 4~ Months Curerd -3 Mordhs Overall Trend Total # of Com arable Sales Settled 2 1 0 Increasin Stable DecNni Abso lion Rate otal Sales/Months Total # of Com arable Active Listin s 0.33 0 0.33 0 0 0 ^Increasi `Declihi Stable ®, Stable Declinin ^Increasin Months of Hausi Su I otN Listi s/Ab.Rate 0 0 0 ^ 'Declini ~' Stable ^::Increasin Idetlian Sale 8 List Prig, DPI; Sak/Ust % Pdor 7-12 Months Pdor 4-6 Mordhs Curent - 3 Months Overall Trend Median Comparable Sale Price 47,700 40,000 0 ^ Increasing ®Stable ^ Declining Median Com rabk Sales Da s on Market 108 204 0 ^ Declinin ®Stabk; ^Increasin Median Co arable List Pdce 47 900 49 900 0 Increasin ~ Stable Dr:cGnin Median Comparable Listings Days on Market 0 0 0 Oeckning Stable: hrcreasin Median Sale Pdce as % of Ust Price 99.58 80.16 0 ^ Increasing ®Stable: ^ Declining ., Seder- developer, builder, eEC. aid financial assistance revalerd7 Yes No Declini ®Stable hcreasi Explain in detail the seder concessions trends for the past 12 mordtrs (e.g., seder comributions increased from 3% to 5%, increasing use of buydowns, cbsing costs, cardo • tees, o lions, etc.. SALES CONCESSIONS TYPICALLY AVERAGE APPROXIMATELY 2 %. SALES CONCESSIONS HAVE NOT NECESSARILY INCREASED BUT REMAIN A PREVALENT OPTION IN RETAIL REAL ESTATE. THEY ARE USUALLY IMPLEMENTED WITH AN INCREASED CONTRACT PRICE TO OFFSET THOSE INHERENT CONCESSIONS. ' Are foreclosure sales EO sales a facto in tfre market? Yes ^ No tl es, a lain mcbdi the Vends in listi sand sales of foreclosed ro ernes . AN INCREASED NUMBER OF REO/FORECLOSED PROPERTYS HAVE ENTERED THE MARKETPLACE. THEY CONTINUE TO SELL AT FAIRLY CLOSE TO THE LISTING PRICE WITH THE AFOREMENTIONED SALES CONCESSIONS ALWAYS A REMAINING POSSIBILITY. Cite data sources fa above irdormation. CENTRAL PENN MLS PATRIOT NEWS COUNTY COURT HOUSE. Summarize the above information as support for your concbsions in dre Neighborhood section of the appraisal report farm. H you used any additional information, such as an ana sis of erxiin sales anNor fired and withdrawn listin , to formulate our conclusions, rovide both an tanation and su rt for our conclusions. DAUPHIN COUNTY IN GENERAL HAS REMAINED A STABLE SALES ENVIRONMENT IN THE CENTRAL PA. REGION DESPITE CONCERNS IN NEIGHBORING COUNTYS TO THE SOUTH AND Fr4ST. AND EVEN MORE SIGNIFICANT MARKET CONCERNS ABROAD. THE APPRAISER DOES CONTEND THAT THERE IS AN OVER-SUPPLY OF CURRENT LISTINGS IN THE GENERAL MARKETPLACE ALSO IMPACTING NEGATIVELY THE CURRENT ABSORPTION RATE AND LONGER GENERAL DAYS ON MARKET. 8 the su ' is a unit in a corrdominium a cooperative pro ,complete the folbwkr : N/A Pro' Name: N/A Sub~ect Pro ect Data Pdor 7-12 Months Pda 4-& Months Currerd - 3 Months Overall Trend Total # of Com arable Sales Settled Increasin Stable Declinin Abso lion Rate otal Sales/MOnths ^Increasi ^ Stable ^ Decfinin Total # of Active Com arable Lislin s ^ Decknl ^ Stable; ^ hcteasin Mordhs of Unft Su I otal Ustin s/Ab.Rate i'Decgni Stable Increasin Are farecosure sales (REO sales) a facto in the project? Yes No tt yes, indicate the number of REO listings and explain the trends in listings and sales of foreclosed ro ernes. . Summarize the above trends and address the im act on the sub ect unit and ro'ect Si nature Si nature • A raiser ame PATRICK A. McCAR Y Su erviso A raiser Name Com an Name McCARTHY ASSOCIATES Cam an Name Cam an Address 83 KELLY DRIVE CARLISLE PA. 17013 Com an Address State License/Certification # RL 001155 L State PA. State License/Certigcation # State Email Address mccarthyassociates@comcast.net Email Address rreaoie Mac ram n Marcn zutr~ Page 1 of 1 Fannie Mae Form 1004MC March 2009 form 1004MC2 -'TOTAL for Windows' appraisal software by a la mode, inc. -1-B00-ALAMOOE Fil N . TRAW L.A. A.M. Pa #2 APPRAISAL OF REAL PROPERTY LOCATED AT 14 DREXEL HILLS CIRCLE NEW CUMBERLAND, PA. 17070-1716 DEED BOOK 25 N PAGE 645 MSA # 42041 FOR SHOOK, BRYAN W. ESQUIRE 2132 MARKET STREET CAMP HILL , PA. 17011 OPINION OF VALUE 1 e2,ooo AS OF APRIL 28 , 2010 BY PATRICK A. McCARTHY McCARTHY ASSOCIATES (717)796-9770 mccarthyassociatos@comcast.net Form OA1V -'TOTAL for Windows" appraisal software by a la mode, inc. - i-800-ALAMODE File N .STRAW L.A. A.M. Pa a #3 JUNE 24.2010 SHOOK, BRYAN W. ESQUIRE 2132 MARKET STREET CAMP HILL, PA. 17011 Re: Property: 14 DREXEL HILLS CIRCLE NEW CUMBERLAND, PA. 17070-1716 Borrower. N/A File No.: In accordance with your request, we have appraised the above referenced property. The report of that appraisal is attached. The purpose of this appraisal is to estimate the market value of the property described in this appraisal report, as improved, in unencumbered fee simple title of ownership. This report is based on a physical analysis of the sRe and improvements, a k>cational analysis of the neighborhood and city, and an economic analysis of the market for properties such as the subject. The appraisal was developed and the report was prepared in accordance with the Uniform Standards of Professional Appraisal Practice. The value conclusans reported are as of the effective date stated in the body of the report and contingent upon the cert~cation and limiting conditions attached. It has been a pleasure to assist you. Please do not hesitate to contact me or any of my staff'rf we can be of additional service to you. Sincerely, -~~-~-u PATRICK A. McCARTHY McCarthy Associates Fil N . TRAW L.A. A. M. Pa a #4 NEW APPRAISAL AND REPORT IDENTIFICATION This Appraisal Report is Qnfl of the following types: ^ Self Contained (A written report prepared under Standards Rule 2-2(a) , persuant to the Scope of Work, as disclosed elsewhere in this report.) ®Summary (A written report prepared under Standards Rule 2-2(b) , persuant to the Scope of Work, as disclosed elsewhere in this report.) ^ Restricted Use (A written report prepared under Standards Rule 2-2(c) , persuant to the Scope of Work, as disclosed elsewhere in this report, restricted to the stated intended use by the specified client or intended user.) Comments on Standards Rule 2-3 I certify that, to the best of my knowledge and befief: • The statements of fact contained in this report are true and correct. • The reported anayses, opinions, and conclusions are limfted onty by the reported assumptions and limiting conditions and are my personal, impartial, and unbiased professional anayses, opinions, and conclusions. • I have no (or the spec'rfied) present or prospective interest in the property that is the subject of iMs report and no (or the specthed) personal interest with respect to the parties involved. • I have no bias with respect to the property that is the subject of this report or the parties involved with this assignment. • My engagement in this assignment was not canbngent upon developing or reporting predetermined results. My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the valr~ opinion, the attainment of a stipulated resuR, ar the occurence of a subsequent event directty related to the intended use of this appraisal. • My analyses, opinions and conclusions were developed and this report has been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice. • 1 have (or have not) made a personal inspection of the property that is the subject of this report. • No one provided signthcanf real property appraisal assistance to the person signing this certrfication. (tt there are exceptions, the name of each individual providing significant real property appraisal assistance is stated elsewhere in this report) Comments on Appraisal and Report Identification Note any USPAP related issues requiring disclosure and any State mandated requirements: APPRAISER: Signature: ,/C'E `c" Name: PATRICK A. McCARTHY Date Signed: June 24, 2010 State Certification #: RL 001155 L or State License #: State: PA. Expiration Date of Certification or Licerue: 6-30-11 Effective Date of Appraisal: APRIL 28 , 2010 SUPERVISORY APPRAISER (only if required): Signature: Name: Date Signed: State Certification #: or State License #: State: Expiration Date of Certification or License: Supervisory Appraiser inspection of Subject Property: ^ Did Not ^ Exterior-only from street ^ Interior and Exterior Form ID06 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Fil N . AW L.A. A.M. Pa e # SUMMARY OF SALIENT FEATURES Subject Address 14 DREXELHILLS CIRCLE Legal Description DEED BOOK 25 N PAGE 645 MSA # 42041 City NEW CUMBERLAND County CUMBERLAND State PA. Zip Code 17070-1716 Census Tract 0107.00 Map Reference ADC 20 Sale Price $ N/A Date of Sale N/A Borrower N/A LendedClient SHOOK ,BRYAN W. ESQUIRE Size (Square Feet) 1,449 Price per Square Faot $ 125.60 Location SUBURBAN Age 40 Condilian AVG./GOOD Total Roams 5 Bedrooms 3 Baths 2 Appraiser PATRICK A. McCARTHY Date of Appraised Value APRIL 28 , 2010 Opinion of Value $ 182,000 Form SSD2 - "TOTAL for Windows" appraisal software by a la mode, inc. - t-800-ALAMODE McCarthy Associates Fil No. THAW L.A. A.M. Pa a #6 STRAW FAMILY TRUST Uniform Residential Appraisal Report File# STRAW , LA. / ant. the ur ose of this summa a raisal re art is to rovide the lender/cflenf wtth an accurate, and ad uatel su orted, o inion of the market value of the subject ro Pro Address 14 DREXEL HILLS CIRCLE Ci NEW CUMBERLAND State PA. L Code 17070-1716 Borrower NIA Owrter of Public Record STRAW LEW IS A. / A. MARIAN Cou CUMBERLAND Le al Desch lion DEED BOOK 25 N PAGE 645 MSA # 42041 Assessor's Parcel # 26-24-0809-253 Tax Year 2010 R.E. Taxes $ 2 925.74 Nei hborhood Name NEW CUMBERLAND BOROUGH /DREXEL HILLS Ma Reference ADC 20 C~sus Tract 0107.00 Occu ant Owner ^ Tenant Vacant S ecial Assessments $ N!A ^ PUD HOA $ N/A er ear er mordh •' Pro a Ri Ms A raised ®Fee Sim le ^ Leasehold ^ Other describe Asst nmeM T e ^ Purchase Transaction ^ Refinance Transaction ®Other describe FAMILY TRUST VALUATION Lender/Cliem SHOOK BRYAN W. ESQUIRE Address 2132 MARKET STREET CAMP HILL PA 17011 Is the subject ro e current offered for sale or has it been offered for sale in the twelve rrwnths rior to the effective date of this a raisal? Yes No Re art data sources used offerin rice s and dates . PROPERTY OWNER / MLS I ^ did ®did not analyze the contract for sale for the subject purchase transaction. Explain the results of the anaysis of the contract for sale or why the analysis was not erformed. N/A : Contract Price $ N/A Date of Contract N/A Is the ro sever the owner of ublic record? ^ Yes ^ Na Data Sources N/A Is there any financial assistance (ban charges, sale concessions, gift or downpaymeM assistance, etc.) to be paid by any party on behalf of the barrowei? ^ Yes ^ No If Yes, re rt the total dollar amount and describe the hems to be aid. N/A Note: Race and the racial com sition of the nei hborhood are not a isal factors. Nei htrdrtioodCharactedsfics '-One-UnitHousin Trends` One-UnitHousin Nresentlandllse% - Location ^ Urban ®Suburban ^ Rural Pro Values Increasi Stable ^ Declinin PRICE AGE One-Unit 78 % _ Built-U ®Over 75% ^ 25-75% ^ Under 25% Demand/Su ^ Shona a ®In Balance ^ Over Su I $ 000 rs 2-4 Unit o4 % Growth Ra id Stable Slaw Marketin Time Under 3 mths 3-6 mlhs Over 6 mths 69 Low NEW-5 Mulfi-Fami 02 % Nei hborhood Boundaries THE SUBJECT IS BOUNDED AT THE NORTH BY SIMPSON FERRY RD. 359 Hi h 80 Commercial 12 % WEST BY 1-83 SOUTH BY THE PA. TPKE. / 76 EAST BY BRIDGE STREET. 160 Pred. 35-40 Other 04 % Nei hborhaod Desch lion THIS SUBURBAN NEIGHBORHOOD IS COMPRISED OF SIMILAR PROP ERTIES OFFERING COMPARABLE QUALITY, STYLE DESIGN AND APPEAL. AVAILABILIlYTO MOST MAJOR EMPLOYMENT SECTORS AND RELATIVE CONVENIENCE TO SHOPPING FOOD/RETAIL SCHOOLS PUBLIC -ALL LEVELS AND TO RECREATION AREA GOLFING FISHING/HUNTING . Market Conditions includin su ort for the above conclusions LOCALLY REAL ESTATE MARKET CONDITIONS ARE STABLE AS SALES ACTIVITY IS ON-GOING DESPFfE SOME OTHER CONCERNS ABROAD. INTEREST RATES REMAIN LOW AND ECONOMICALLY ATTRACTIVE TO MOST CONSUMERS. DEMAND/SUPPLY IS STABLE AND MARKETING TIME IS ESTIMATED AT 3-6 MONTHS. Dimensions 80 X 110.45 X 133.77 X 159.78 Area 16 117 S.F. Sha a IRREGULAR View PLEASANT S ecific Zoni Classification RESIDENTIAL-1 Zoni Descri lion S/F RESIDENTIAL Zonin Co liance Le aI L al Nonconfomun Grandfathered Use No Zoni I al describe Is the hi hest and best use of subject ro as im roved or as ro osed er Ions and s ecificafions the resent use? Yes No tt Na, describe Utiaties Public Other (descr~e) Public Other (describe) Off-ske Im rovements - T Publk Private Electrici ® ^ 200 AMP Water Street MACADAM ^ Gas ® ^ Sani Sewer ® ^ Alle NONE ^ ^ FEMA S ecial Flood Hazard Area Yes No FEMA Flood Zone X FEMA Ma # 42041 C0282E FEMA Ma Date 3/16/2009 Are the utilities and off-site im rovem~ts ical for the market area? Yes Na tt No, describe Are there an adverse site conditions or extarnal factors easemems, encroachments, environmental conditions, land uses, etc. ? ^ Yes ®No tt Yes, describe NO DELETERIOUS CONDITIONS CURRENTLY EXIST. THERE MAY BE EASEMENTS ENCROACHMENTS AND RIGHTS-OF-WAY THAT THE APPRAISER IS UNAWARE OF. FURTHER THE APPRAISER IS NOT PROFESSIONALLY QUALIFIED TO ASSESS MOST ENVIRONMENTAL ISSUES. GeneralDescri lion Fouradapq~r EzterdrDesc; lion rnaterials/rx?nditton Irtterioc^ materials/condition Units ®One ^ One with Accesso Urut ^ Concrete Slab ^ Crawl S ace Foundation WaILs CONC. BLK. AVG. Floors HWD-WNV GD. # of Stories 1 Full Basement Partial Basement Exterior Walls BRICK GD. Walls PLSTR. GD. T e Det. Att. S-DetJEnd Unit Basement Area 1 449 s .Tt. Roof Surface FBGLS. SHNG GD. TriMRnish WOOD GD. Fxisti Pro used Under Const. Basement Rnish 65 % Cutlers & Downs uts ALUMINUM AVG. Bath Fbor CERAMIC GD. Desi n S le 1 STY. RANCH ®Outside E /Exit Sum Pum Window T e CSMTS./ DH GD. Bath Wainscot PLSTR. GD. Year Built 1970 Evidence of Infestation Storm SashAnsulated ALUMINUM AVG. Car Stora a None Effective Age rs 20 ^ Dampness ^ Sethenlent Screens ALUMINUM AVG. Dnvewa # of Cars MULTI Attic Nane Heatin FWA HWBB Radiant Amenities Woodstove s # Drivewa Surface CONCRETE Dro Stair Stairs ^ Other Poet OIL Rre laces # 1 ^ Fence Gara e # of Cars 2 Fbar Scuttle Coolin Central Air Condhionin Patio/Deck PTx2 Porch Ca ort # of Cars ^ Rnished ^ Heated ^ Individual ®Other C.FANS ^ Pool ®Other SHED-B/I ®Att. ^ Det. ^ Built-in A lances ®Refri eratar ®Ra e/Oven ®Dishwasher ^ Dis osal ®Microwave ^ Washer/D er ®Qlher describe FAN/HOOD Rnished area above rode contains: 5 Rooms 3 Bedrooms 2 Baths 1 449 S uare Feet of Gross Livi Area Above Grade . Additional features s ecial ever efficient items, etc.. CONCRETE PATIOS FRNT/REAR W/AWNINGS WOOD DECK REAR LWR. LEVEL REC. ROOM KFFCHNT. PR POSS. IN-LAW STE. W/BATH EXPANSION HDWDS. 'OAK KfFCH. 'OIL FWA-CAC 200 AMP. Describe the condition of the roe includin needed r airs, deterioration, rerrovafians, remode6n ,etc.. NORMAL DEPRECIATION IS NOTED. NO PHYSICAL FUNCTIONAL OR EXTERNAL INADEQUACY WAS NOTED OR WITH THE FLOOR PLAN. WITH AVERAGE/GOOD MAINTENANCE AND CONDITION THE SUBJECT WILL RECOGNIZE CONTINUED GOOD ACCEPTANCE IN THIS MARKETPLACE. THE SUBJECTIS IN GOOD OVERALL CONDITION YET SLIGHTLY DATED W/LIKELY ORIGINAL KITCHEN/BATHS. Are there an h sicat deficiencies or adverse conditions that affect the livabili ,soundness, or structural int n of the roe ? Yes ®No tt Yes, describe THE APPRAISER DELIVERS AN OPINION OF VALUE ONLY. HE IS NOTA STRUCTURAL ENGINEER NOR GENERAL CONTRACTOR AND NO PHYSICAL WARRANTYS ARE MADE. THE UNIT IS IN AVERAGE /GOOD OVERALL CONDfTION. Does the roe generalty conform to the nei hborhood functional utili , s le, condition, use, construction, etc. ? ®Yes ^ No tt No, describe FUNCTIONAL UTILITY STYLE USE AND CONDITION. Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - ^TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Fil N . TRW L.A. A.M. P #7 Uniform Residential Appraisal Report Thar ~ ._w_ .. STRAW FAMILY TRUST FAe # STRAW , L.A. / A.M. _ __... ,..,.. There are 4 com ara FEATURE Address 14 DREXEL HI NEW CUMBER Proximi to Sub'ect Sale Price Sale Price/Gross Liv. Area Data Sources Verification Sources VALUE ADJUSTMENTS Sales or Fnancin9 Concessions Date of Sale/Time Location Leasehald/Fee Sim le Site Vew Desi n S le Ouali of Construction Actual A e Condilion Above Grade ,.. ,,, ,,,,,„, ,,,,,,,,,,,, ble sates in the subjec SUBJECT LLS CIRCLE LAND $ N/A $ 125.60 5 .fl. DESCRIPTION UBURBAN FEE SIMPLE 16 117 S.F. PLEASANT 1 STY. RANCH GOOD 40 AVG./GOOD Total Bdrms. Baths ,,,,~,~„ ,,,, ,a,~ ,,, ,,,c suu err net noor t net hborhood within the ast twelve mo COMPARABLE SALE # 1 632 ALLEN STREET NEW CUMBERLAND 0.49 miles - $ 174 900 $ 8g,g7 S .ft. MLS # 10178042 CT. HSE /MLS DESCRIPTION + - $ Ad'ustment VA -3,200 DOM / 57 7-31-09 SUB. /SIM. 0 FEE SIMPLE 10 890 S.F. 0 SIMILAR 1 STY. RANCH 0 GOOD /SIM. 0 55 0 SIMILAR 0 Total Bdrms. Baths rwoa ran m in rice from $ t69 900 nths rani in sale rice from $ 164 9 COMPARABLE SALE # 2 729 15TH. STREET NEW CUMBERLAND 0.39 miles $ 165 000 $ 142.49 s .ff. MLS # 10175296 CT. HSE /MLS DESCRIPTION + -) $ Ad'ustment FHA -1,750 DOM / 49 4-30-09 SUB. /SIM. 0 FEE SIMPLE 9583 S.F. 0 SIMILAR 1 STY. RANCH 0 GOOD /SIM. 0 58 0 SIMILAR 0 Toth 8drms. Baths to $ 169 900 00 to $ 174 900 COMPARABLE SALE # 3 1516 BRANDY AVENUE NEW CUMBERLAND 0.47 miles $ 171 000 $ 132.87 S .ft. MLS # 10178872 CT. HSE /MLS DESCRIPTION + - $ Ad' stment CONY. 0 DOM / 2 6-30.09 SUB. /SIM. 0 FEE SIMPLE 13 504 S.F. 0 SIMILAR 1 STY. RANCH 0 GOOD /SIM. 0 54 0 SIMILAR 0 Total Bdnns. BaNs Roam Count Gross Livi Area Basement & Rnishetl Rooms Bebw Grade FunclionalllfiG _ Heatin Cooli ,' Ener Efficient Items Gara e/Ca ort - Porch/Patio/Deck 5 3 2 1 449 s .ft. FULL-REC.RM KTCHNT. PR GOOD OFWA-C/A THRM. PANES 2 C. ATT. GR. PAT x2 DK FP 6 3 1 1 968 s .ft. CONC. SLAB -00- SIMILAR GFWA-C/A SIMILAR CARPORT-1 STPJDK +3 000 -7 800 +12500 0 +3 000 6 3 1 1 158 s .ft. FULL -00- SIMILAR OHW SIMILAR 2 C. DT. GAR. +3 000 +4 400 +10 000 +2 500 0 6 3 2 1 287 s .ft. FULL-REC.RM NONE SIMILAR OHW- C/A SIMILAR CARPORT-1 0 +2 400 +3 500 0 +3 000 . ./FP +1 000 STP./PAT.! FP +1 000 STPJDK./FP +1 000 • Nei Ad'ustment Total + - $ 8 500 Adjusted Sale Price Net Adj. 4.g % of Com arables Gross Ad'. 17.4 % $ 183 400 I did did not research Bte sale or transfer hista of ttte sub' ct roe and co arabl + - $ 19 150 Net Adj. 11.6 % Grass Ad'. 13.7 % $ 184 150 e sales. If not, ex lain 3-12-74 FO ®+ - $ 9 900 Net Adj. 5.8 % Gross Ad'. 5.8 % $ 180 900 R $ 42 000 M research did did not reveal an rior sales or transfers of the subject ra a for the three ears rior to the effective date of this a raisal. Data Sources 3-12-74 FOR 42 000 M research did did not reveal an rior sales ar transfers of the co arable sales for the ear rior to the date of sale of the com arable sale. Data Sources TAX ASSMT. / CT. HOUSE R ort the results of the research and ana sis of the dor sale or transfer histo of the sub~ect ro and com arable sales re art additional rior sales on a e 3 . ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3 Date of Prior Sale/Transfer 3-12-7q NO SALE WITHIN 3 YRS. NO SALE WITHIN 3 YRS. NO SALE WITHIN 3 YRS. Price of Prior SaleJiransfer $ 42 000 Data Sources Effective Date of Data Sources TAX ASSMT. / CT. HOUSE 6-18-10 TAX ASSMT. / CT. HOUSE TAX ASSMT. / CT. HOUSE TAX ASSMT. / CT. HOUSE Ana sis of rior sale or transfer histo of the subject roe and com arable sales NO PRIOR SALES WITHIN THE LAST 3 YEARS SUBJECT / COMPS. Summa of Sales Com orison A roach THE COST APPROACH GENERALLY SETS THE UPPER LIMIT OF VALUE AS R CONSIDERS REPRODUCTION COSTS. THE MARKET ANALYSIS IS THE MOST INDICATIVE APPROACH AS IT CONSIDERS OTHER SIMILAR SALES IN THE MARKET AREA. THIS APPROACH IS GENERALLY THE MOST RELIABLE. THE INCOME APPROACH IS NOT CONSIDERED NOR APPROPRIATE S/F RESIDENCE . Indicated Value b Sales Com orison A roach $ 182 000 Indicated Value b :Sales Com orison A roach $ 182 000 Cost A roach ('rf develo ) $ 182 552 Income A roach (if develo ) $ N/q This appraisal is made ®"as is", ^ subject to completion per plans and specifications on The basis of a hypothetical condition that the improvements have been completed, ^ subject to the following repairs or alterations on file basis of a hypohetical condition that the re airs or alterations have been com leted, or • fcllowin required ins ection based on the eMraordina assum tion that the condition or deficient does not re uire alteration or re air. THE EFFECTIVE^DATE c~Sto the ALSO THE DATE OF DEATH FOR MR. LEWIS A. STRAW DOD- 4/28/10 . Based on a.complete visual Inspection of the interior and exterior areas of the subject props defined scope of work, statement of assumptions and limiting condftions, and appraiser's certfication, my (our) opinion of the market value, as defined, of fits r~l property that is the subject of this report is $ 182 000 as of APRIL 28.2010 .which is thn data of ~a~~a,.r~,.,. ~..a a., ..u.,_.:.._ ~_._ _. Freddie Mac Form 70 March 2005 Page 2 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "TOTAL for Windows' appraisal software by a la mode, inc. - t-800-ALAMODE Fil N THAW L.A. A.M. Pa #8 Llntfnrm Racirlpntial ~nnr~ic~l RnnnrF STRAW FAMILY TRUST - ------- - -r r.~•••••••• •..r.... • raeB 51KAW , L.A./A.M. ' SEE ADDENDUM '' COST APPROACH TOVALUE(no# uireiib Fannie Mae) Provide ode uate information far the lender/client to re licate the below cost fi ures and ca~ulations. Su ort for the a inian of site value summa of com arable land sales or other metfrods far estimatin site value 'NOTE - DUE TO A LACK OF RECENT SIMILAR SIZED TRACTS THE APPRAISER UTILIZES HIS KNOWLEDGE AND EXPERIENCE IN THE SUBJECT MARKET BY ESTIMATING THE VALUE OF THE SUBJECT TRACT ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW . Source of cost data MARSHALL-SWIFT RESID. COST HANDBOOK Ouali rati from cost service GOOD Effective date of cast data 11-08 - Comments on Cost A roach ross Irvin area ca~ulations, de reciation, etc. OPINION OF SITE VALUE.......-...__-_--_...-....._ _$ DWELLING 1 449 S .Ft. @ $ 106.75 ............. _$ 1 449 S .Ft. @ $ 26.25 ............. _$ PATIOS x 2 FP-1 W D. DECK ....._____-_ _$ 40 900 154 681 38 036 7 790 _ THE REPRODUCTION COST APPROACH IS DERIVED FROM Gara e/Ca ort 399 S .Ft. $ 11.20 ............. _$ 4 469 DATA IN THE MARSHALL-SWIFT RESID. COST HANDBOOK Total Estimate of Cost-New ............. _$ 204 976 GOOD QUALITY 1 STY. RANCH Less sical Functional 6demal D reciation 68 319 =$ 68 319 D reciated Cost of Im rovements ..-.--_-.__....._....._ ........................ _$ 136 657 HUD/FHAIVA PROPERTY STANDARDS ARE NOT APPLICABLE "As-is' Value of Site Im rovements ........................... _$ 4 995 TO THIS REQUEST. Estimated Remainin Economic Life HUD and VA onl 45-50 Years INDICATED VALUE BY COST APPROACH _____________________________________________ .g 182 552 " INCOME APPROACH TO VALUE (not aired., Fannie Mae) Estimated Monthl Market Rent $ N/A X Grass Rem Multi tier N/A = $ N/A Indicated Value b Incarre A roach Summa of Income A roach mcludin su ort for market rent and GRM N!A PpOJECT`INFORMATfONFOR PUfJs (if liable) Is the develo er/builder in control of the Homeowners' Association HOA ? ^ Yes ^ No Unit s ^ Detached ^ Attached Provide the foltowin information for PUDs ONLY if the devdo er/builder is in control of the HOA and the sub'ect roe is an attached dwellin unit. Le al Name of Pro'ect N/A Total number of hoses N/A Total number of units N/A Total number of units sold N/A Total number of units rented N/A Total number of units for sale N/A Data sources N/A Was the ro'ect created b the cornarsion of existin buildin s irdo a PUD? Yes No If Yes, date of cornersion. N/A Does the ro'ect contain an mutii-dwetlin units? Yes No Data Source N/A Are the units, common elements, and recreation facilities com lete? Yes ^ No If No, describe the status of com le[ion. N/A Are the common elements leased to or b the Homeowners' Association? ^ Yes ^ No ff Yes, describe the rental terms and o bons. N/A Describe common elements and recreational facilities. N/A i icuuiC IVIaG rUllil /U IVIEfGfI LUVJ Page 3 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - ^TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Fil No. TRAW L.A. A.M. P e #9 u~uiurrn ne51l7efiilSl A raisal Re olt °""'"" r"'""" 'K~5` PP P File# STRAW , L.A. /A.M. This report farm is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or delelons to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) pertorm a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed far exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. *Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an ident'rfied Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be pertormed in a professional manner. Frn.lrlin nn..., r ~•••• • ~ ~°°•~^ ~~~~ rage w or o Fannie Mae Forrn 1004 March 2005 Form 1004 - °TOTAL for Wintlows"appraisal software by a la mode, inc. - 7-800-ALAMODE Fil N . TRAW L.A. A.M. a #10 urntorm Residential A raisal Re ort STRAW FAMILY TRUST PP P File# STRAW , L.A / A.M. APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I pertormed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I pertormed this appraisal in accordance with the requirements of the Un'rform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. 1 have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally, physically, and functionally the mast similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. I have knowledge and experience in appraising this type of property in this market area. 12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for pertorming this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present ana-ysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any parry, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the pertormance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specrfic tasks pertormed in this appraisal report. I certify that any individual so named is qualified to perform the tasks. 1 have not authorized anyone to make a change to any Rem in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Frarlrlin Mir [...,,. ~n ne.....~, n -•-•• ~~~~ raye ~ ur o Fannie Mae Form 1004 March 2005 Farm 1004 - °TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Fle N .STRAW L.A. A.M. Pa #11 untrorm rsestaenttai Appraisa~ Report File# STRAW , L.A. /A.M. _.. 21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; govemment sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions-of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, govemment sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record° containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certffication. 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualffied to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER Signature,~~,~E ~ tittiCt Name PATRICK A. McCARTHY Company Name McCARTHY ASSOCIATES Company Address 83 KELLY DRIVE CARLISLE . PA. 17013 Telephone Number L717) 796-9770 Email Address mccarthyassociates(a~comcast.net Date of Signature and Report June 24, 2010 Effective Date of Appraisal APRIL 28 , 2010 State Certification # RL 001155 L or State License # or Other (describe) State # State PA. Expiration Date of Certification or License s-30-11 ADDRESS OF PROPERTY APPRAISED 14 DREXEL HILLS CIRCLE NEW CUMBERLAND, PA. 17070-1716 APPRAISED VALUE OF SUBJECT PROPERTY $ 182,000 LENDER/CLIENT Name Company Name SHOOK ,BRYAN W. ESQUIRE Company Address 2132 MARKET STREET CAMP HILL , PA. Email Address SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name Company Address Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License SUBJECT PROPERTY ^ Did not inspect subject property ^ Did inspect exterior of subject property from street Date of Inspection ^ Did inspect interior and exterior of subject property Date of Inspection COMPARABLE SALES ^ Did not inspect exterior of comparable sales from street ^ Did inspect exterior of comparable sales from street Date of Inspection Freddie Mac Form 70 March 2005 Page 6 of 6 Fannie Mae Form 1004 March 2005 Form 1004 -'TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE Fil N . TRAW L.A. A.M. P #1 SUPPLEMENTAL ADDENDUM File No. STRAW , L.A. / A.M. Borrower Client N!A Pro a Address 14 DREXEL HILLS CIRCLE Ci NEW CUMBERLAND Cou CUMBERLAND State PA. Zi Code 17070-1716 Lender SHOOK BRYAN W. ESQUIRE ALL COMPARABLE SALES ARE CLOSED SALES. THOSE PROVIDED ARE THE MOST INDICATIVE SALES IN THE EXISTING SUBJECT MARKETPLACE, AND EACH ARE EXCELLENT INDICATORS OF VALUE. ADJUSTMENTS WERE MADE TO REFLECT THE MARKET REACTIONS TO THOSE ITEMS OF SIGNIFICANT VALUATION DIFFERENCE BETWEEN THE SUBJECT, AND THOSE COMPARABLES PROVIDED. A COST FACTOR OF $15.00 PER SQUARE FOOT IS IMPLEMENTED AS A CONSISTENCY W ITH THE MARKET REACTION TO SUCH A DIFFERENCE, RATHER THAN A STRAIGHT LINE, COST BASIS ADJUSTMENT, WHICH WOULD OBVIOUSLY, BE SIGNIFICANTLY HIGHER. THE COMPS. WERE CHECKED FOR SALES CONCESSIONS, AND THEY ARE ADJUSTED ACCORDINGLY. THIS HAS NO IMPACT ON THE FOREGOING MARKET VALUE BEING REPORTED. ' NOTE -THE CLIENT IN THIS VALUATION IS BRYAN W. SHOOK, ESQUIRE. THE STATED PURPOSE OF THIS VALUATION IS TO DETERMINE THE FAIR MARKET VALUE OF THE SUBJECT PROPERTY, FOR PURPOSES OF AN ALREADY ESTABLISHED FAMILY TRUST. THE CURRENT TITLED OWNERS ARE : STRAW, LEWIS A. /A. MARIAN. THE EFFECTIVE DATE OF VALUATION IS ALSO THE DATE OF DEATH FOR MR. LEWIS A. STRAW ( DOD - 4-28-10 ). REPORT/TEXT: PRESCRIBED BY THE UNIFORM STANDARDS OF APPRAISAL PRACTICE (USPAP), AS ISSUED BY THE APPRAISAL STANDARDS BOARD, THIS REPORT IS CONSIDERED TO BE A COMPLETE SUMMARY REPORT. THERE MAY BE DIGITAL SIGNATURES USED IN THIS APPRAISAL REPORT. THEY ARE ACTUALA/ALID. USER: THE INTENDED SOLE USE OF THIS APPRAISAL REPORT IS EXCLUSIVELY FOR THE LENDER/CLIENT, AS NOTED ON THE COVER PAGE, OR PAGE ONE OF THE TEXT FORMAT, INTERNAL. IT IS CONFIDENTIAL IN NATURE, AND NOT INTENDED FOR ANY OTHER USE THAN THE LENDERlCLIENT, NOTED HEREIN. APPRAISER: THE APPRAISER HAS COMPLETED HIS 2-YEAR CONTINUING EDUCATION REQUIREMENTS, FOR THAT CERTIFICATION LICENSING CYCLE, W H1CH IS MANDATED BY THE COMMONWEALTH OF PA., AND SUBSEQUENT PA. REAL ESTATE APPRAISAL BOARD. PERSONAL PROPERTY: NO PERSONAL PROPERTY, OR FIXTURE INTANGIBLES WERE CONSIDERED IN THE VALUATION PROCESS, UNLESS OTHERWISE NOTED. Form SUP -'TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Building Sketch (Page - 1) Fil N . AW L.A. A. Pa #1 Borrower Client N/A Pro a Address 14 DREXEL HILLS CIRCLE Ci NEW CUMBERLAND Cou CUMBERLAND State PA. L Code 17070-1716 Lender SHOOK BRYAN W. ESQUIRE 36.0' 17.0' o ,. o i ° PATIO V1/QQD'pECK_o 19.0' PINING _ KITCHEN.. 0 r- GARAGE (~ LIVING ROOM _, ' ~ _ _: BEpROOM 19.D' 0 19.0' I -- - MASTER. CV :_. `r ;:: ' BATH , o . BATH N 'PAT (O 19.0' _. - --- _ - - - BEDROOM MASTER ', BEpROOM '.25.0' ~ Canments: Codo AREA CALCULATIONS SUMMARY llescriptlon Size Net Totals GLA1 First Floor 1449.00 1449.00 P/P Porch 228.00 Porch 170.00 Porch 360.00 750.00 GAR Garage 399.00 399.00 TOTAL LIVABLE (rounded) 1449 LIVING AREA BREAKDOWN Breakdown Subtotals First Floor 21.0 x 44.0 924.00 21.0 x 25.0 525.00 2 Calculations Total (rounded) 1449 Form SKT.BIdSkI - "TOTAL for Windows" appraisal software by a la mode, inc. - i-800-ALAMODE Location Map i!e N . S AW L.A. A.M. Pa a #14 Borrower Client N/A Pro ert Address 14 DREXEL HILLS CIRCLE Ci NEW CUMBERLAND Cou CUMBERLAND State PA. Z Code 17070-1716 Lender SHOOK BRYAN W. ESQUIRE 4 .. ''q. . `'`: t l - 1. _ ~sU s .. ..~,. r.. ,'~0. i y~~...«R ~a ~~ ~ ; skrs~Ytatter f ~ , a s~ ~ ~ ~ ~ •~ ~ ~ PP 9S %an.N~.. -R~ WNv ' t ~..~ ~ .. ~ ~. ~ o. O Z h ry ~ ~ ,~~ $ ~q~ 3A '1 o C~ ° ~ S~ ~ 1 ` . N~ 5 } .quJ ~ ~ ~~~y s 2 ~ !f ~ y S / 4 1 F y .,~ ~'ys?g, ~3Sv6 } ~~ n ~ P .. 4~ m . R I T ~ \ ~ ~\~ ~ ~ : ,,.~w°" ~ I T, Mro~NU q`~~~ ;.. ~,ad~ - ,h~~`d ,g ~ ~~, A Jl '3 ~Q AYe ~ Y '-fi~~ ~~ ~ y1~,y a T~ 3 'S pD pp ~ 44v~ ' ~~~ ~. / O ~M*r ddd ,p ~, - .. . . ~ ' R~ ~ da ~ ~ ~ ~ O ~. ~.. w' ~ / , . ~ 4a ,' ~ ~ r. , . ~ g ;, 1, ,.._ r~ f tr ,! z T? _ f' 4' _ ~ M ~.. ^5 ~.. ~ ~4 ~ ~t ~,, P. " . ~ ~~ '~~ ~ .f~~ .x r ~ ._ ~ ~ . u ,~ ~Y ,~'. ;~; ~ P.. - -~ tlp b . ~.. is ~.. ,- '., - ~i .ice ' ~~~ '_. /, / i try ~ ~ 9 ~: ~F ~ // l Y. _~~f. YY °_.... Form MAP.LOC - "TOTAL for Windows" appraisal software by a la mode, inc. - t-800-ALAMODE Subject Photo Page Fil N . THAW L.A. A.M. Pa a #1 Borrower Client N/A Pro ert Address 14 DREXEL HILLS CIRCLE Ci NEW CUMBERLAND Coy CUMBERLAND State PA. L Code 17070-1716 Lender SHOOK BRYAN W. ESQUIRE Subject Front 14 DREXEL HILLS CIRCLE Sales Price N/A Gross Living Area 1,449 Total Rooms 5 Total Bedrooms 3 Total Bathrooms 2 Location SUBURBAN View PLEASANT Site 16,117 S.F. Quality GOOD Age 40 Subject Rear Subject Street Form PIG3x5.SR -'TOTAL for Windows' appraisal software by a la mode, inc. - 1-800-ALAMODE PHOTOGRAPH ADDENDUM Borrower Client N/A Pro ert Address 14 DREXEL HILLS CIRCLE Ci NEW CUMBERLAND Cou CUMBERLAND State PA. L' Cade 17070-1716 Lender SHOOK BRYAN W. ESQUIRE Form GPIC3X5 - "TOTAL for Windows" appraisal software by a la made, inc. - i-800-ALAMODE PHOTOGRAPH ADDENDUM Borrower Client N/A Pra a Address 14 DREXEL HILLS CIRCLE Ci NEW CUMBERLAND Cou CUMBERLAND State PA. Z Code 17070-1716 Lender SHOOK BRYAN W. ESQUIRE Form GPIC3X5 - °TDTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE FI No. ST AW L.A. A.M. P #1 PHOTOGRAPH ADDENDUM Borrower Client N/A Pro a Address 14 DREXEL HILLS CIRCLE Ci NEW CUMBERLAND Cou CUMBERLAND State PA. L Code 17070-1716 Lender SHOOK BRYAN W. ESQUIRE Form 6PIC3X5 - °TOTAL for Windows" appraisal software by a la mode, inc. - t-800-ALAMODE FI TRA L.A. A.M. Pa a #1 PHOTOGRAPH ADDENDUM Borrower Client N/A Pro ert Address 14 DREXEL HILLS CIRCLE Ci NEW CUMBERLAND Cou CUMBERLAND State PA. 7i Cade 17070-1716 Lender SHOOK BRYAN W. ESQUIRE Form GPIC3X5 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE Fi! .STRAW L.A. A.M. P #20 PHOTOGRAPH ADDENDUM Borrower Client N/A Pro ert Address 14 DREXEL HILLS CIRCLE Ci NEW CUMBERLAND Cou CUMBERLAND State PA. lip Code 17070-1716 Lender SHOOK BRYAN W. ESQUIRE Form GPIC3X5 - "TOTAL for Windows" appraisal software by a la mode, inc. - t-800-ALAMODE File N .STRAW L.A. A.M. P #21 Comparable 1 632 ALLEN STREET Prox. to Subject 0.49 miles Sale Price 174,900 Gross Living Area 1,968 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1 Location SUB. /SIM. View SIMILAR Site 10,890 S.F. Quality GOOD /SIM. Age 55 Comparable 2 729 15 TH. STREET Prox to Subject 0.39 miles Sale Price 165,000 Grass Living Area 1,158 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1 Location SUB. /SIM. View SIMILAR Site 9,583 S.F. Quality GOOD /SIM. Age 58 Comparable 3 1516 BF2ANDT AVENUE Prox to Subject 0.47 miles Sale Price 171,000 Gross Living Area 1,287 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 2 Location SUB. /SIM. View SIMILAR Site 13,504 S.F. Quality GOOD /SIM. Age 54 Form PIC3x5.CR - "TOTAL for Windows" appraisal software by a la made, inc. - 1-800-ALAMODE Comparable Photo Page RI N . TRAW L.A. A.M. Pa a #22 Legal Desc. 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Borrower Client N/A Pro a Address 14 DREXEL HILLS CIRCLE Ci NEW CUMBERLAND Cou CUMBERLAND State PA. Zi Code 17070-1716 Lender SHOOK BRYAN W. ESQUIRE enwec.M1:=.~ra or ~~L':x; 3+-v~.: (., ~ y ,r_~~i•..,_,., .._: s ,, ..,. ~' :. r. -. ''-ate ~ __.. -- .c .......~,4~ ~ - ...~z ,._ . ____ - -- ---.~ y ~ t a_:yxrcny Mama ( b • s~. ~ u __~_ r.. u w piN. nnrv.n:. su ..iias:d;..r 'L I >,.... (o- e:V F~N•. ~M -: -.-v+ ii _..._. 1.Y II'J7x'FSf 4YEa.EDf. (Mr.u1 rK ~Y umi .r+~,r11 us. ~Y.• ~q.0 L l _~~ n.! ~... .. _... Y ~ ~ MY n.mirve ,.-ter. ~ .~Z ..... r..n, au 1 -• 4~ ' `___ .SrH+ it n, Fse ~.,~:-!io~.° _ ~.vv ( _. -- .__ y _. c.,ti..-_ .~. _ ij. t ii i I I ~ ,j 1 . ~ ~ ~i~ = _ ', ~~ i i 4 i i ~' i ~ 9 ~ ^C ~ _ ~ . i c a ~~ i i a I E ~ Y E i 7 c ~ c i 14if i1:3 t'u"~ N ra 5EC t5; ~ rs r`!~: 9 >suon~m~cµ.r.,,(i tc. n is .ti ~~ ~ i•7~L\TY. ~ ~~ r~- ~ j ... (.4 Ort far R[Ntw 8 0l M saet~r`w^D C d F a5 tl J ran :wnf n~ a1 Jlx/ ] J ' 'd. txc.~,r . ins IF /~. ; 1:~ ro .2 5 i 7 n. 1Y ~1(ItP}y elf ~ ...___ __. 1'7' o! o ilo ~ 14 7y ~Li.~' r 1 't3 er •C'• cura~_aurJO c[ ~Hc 5<al? rni 1- lEl 362 Si3 Form MAP.LOC - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE TRA A. P 6 Plat Map Borrower Client NIA Pra ert Address 14 DREXEL HILLS CIRCLE Ci NEW CUMBERLAND Cou CUMBERLAND State PA. Zi Cade 17070-1716 Lender SHOOK BRYAN W. ESQUIRE Form MAP.PLAT - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE TR .A. A.M e 27 Resume Borrower Client NIA Pro ert Address 14 DREXEL HILLS CIRCLE Ci NEW CUMBERLAND Cou CUMBERLAND State PA. li Cade 17070-1716 Lender SHOOK BRYAN W. ESQUIRE McCarthy Associates $3 Kelly Drive Garlisle, PA 17(}13 Phone: (717} 796-9770 Fax: (717} 795-9775 mccarthyassociates@c©mcast.net Certified Residential Appraiser: Patrick A. McCarthy (RL #001155-L) Entered the Real Estate profession in 1988, obtaining aroker's license in 1992. I have personally conducted over 10,000 appraisals, Approved FHA appraiser. Service to the entire counties of Dauphin, Cumberland, Perry, York, Adams, Lebanon ,Lancaster Credentials: American Fraternity of Real Estate Appraisers (Certifred Member Residential Appraiser), National Association of Iealtors, Pennsylvania Association of Realtors, and the Greater Harrisburg Association of Realtors. Various specialty courses completed in Real Estate studies and appraisal techniques, Including Real Estate Law. Finance Investment, Brokerage and Office Management, ,appraisal of Income Producing Properties, Appraisal of Residential Properties, Standards of Professional Practice, Principles of Real Estate Appraising, FHA Re-Certification, and Regression Analysis, as well as the standard biennia! continuing education. Member of Central Penn Multi-List Service, as well as Lebanon- Lancaster County M!_S Association { Keystone) and Realtors Assn. of York-Adams County { RAYAC } • Errors and Omissions Insurance effective in the amount of $ 2,000,000. Professional References: William Hummel, Chairman Deloris E. Kidd, Loan Originator First National Bank of Marysville AgChaice Farm Credit, FLCA 101 Lincoln Street 3301 W. Market Street Marysville, PA 17053 York, PA 17404 717-957-2196 71 T-582-3605 Barry Luckenbaugh ,Vice President Kent Patterson, Esquire Orrstown Bank 221 Pine Street Center Square Office Harrisburg, PA 17101 Newport, PA 17074-0009 717-238-4100 717-567-3414 s~~iP _.._._. rrd ic,, 3EZ 5a> I__ _ Form MAP.LOC - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE Fi A M. P License Borrower Client NIA Pra ert Address 14 DREXEL HILLS CIRCLE Ci NEW CUMBERLAND Cou CUMBERLAND State PA. Zi Code 17070-1716 Lender SHOOK BRYAN W. ESQUIRE s Cemmomrntth or Pennl,Ybunia Ixpnrl lneu( or555[e Bureau urPmt •d°ual uirJ Eicrutiarwual rvRal rc C°nifiadResid9ntial AppralsGr Ctriiftste lmtther FsPirati°n.Date R L001156L 06f30i2-N -Reeis[rutinn Endo -.: CertiOc~cc Status. 3581?446 : A~W° PA7RK:K ARDR£N( tCCARTHY 89 KELLY DRIVE CARLISLEPA 170'13. r~ATR9CK ANDRE'N MCCARTHY 83 KELLY DRIVE CARUSLE FA 17015 ^ • sal C~F~[CtAL DC)CJMENT nELC'?nr ,Vn1i :sic Irwn- V: nc:iFllaM( n.!:i,•I~.: ~:.: :Y:~, '~,i.~!n~.l - ..•.1'~ -... - nYl!TrF e;fY.fATEr. Rec~ir;tratiQn Code 1'nur r0pi2trailcn cvdv is ?ounq or, Vlv attached ve:+il:~l vzrd. ' Use this registration cvdo cNineto: ronvx' youtiicen~s, change your per.,nn:=.1 er ficenav address, or order duplic;atn (ICEIIS85. Vlsii vur wehsite ab fe,,,^N-~pfieHrwe-state.oa.us First. tlnly us+rls will ;.~. rvyulred to use this registration code to ereefee ;1 user I I7 and passvrord. tea'.. r Commonwealths of Pennsyl~~ania ~ g ~ 57 4 21~ g ~epstt rt{ueokru,9`itute, Bnreau of ~'rofessia~l~~an~ fJ~cu~t;~tignwi Affairs P!DSos2l~~9listrrisbitrl; r~'a7,>0'i-24x4 ~•~C'ertif7cate'3'ype ~ -_ '' ,~ ~C'ertificfiteStatus CeRifted Res9derrtiak Appraiser Acfive PATRICK ANDREW MCCARTHY 83 KELLY DRNE CARUSLE PA 17015 ~~) ~~ ~..~ (: t:. 1 of F 1 ul u. 60's y siumal h-i,irs Ccrdficate ,Number RL001955L lnitinl C'crtltic~fl0u'1?aiw- 48105f1992 ~Y]ilYRt101I:~atC 0613Qf2D1'1 ,~, Y.,., Scale rni I 181 362 543 Form MAP.LOC - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE F'IN. L. P # E & 0 Insurance Borrower Client NIA Pro ert Address 14 DREXEL HILLS CIRCLE Ci NEW CUMBERLAND Cou CUMBERLAND Stale PA. Zi Code 17070-1716 Lender SHOOK BRYAN W. ESQUIRE ~eneralStar ~ GENERAL STAR NATIONAL INSURANCE COMPANY Financial Centre P.O. Box 10360 Stamford, Cautecticut 06804-2360 REAL ESTATE APPRAISERS ERRORS & OMISSIONS INSURANCE POLICY DECLARATIONS PAGE This is a Maims made and reported policy, Pfeasa 7cad this pe7icy and all endorsemems a~ ~3 a¢achmems carotudy Policy NUm6er: Ivl A?9FU3lh Rcne~.v3loRdumo~:r r,<i.A :HraD571i 1. NAMED rNSURED: Pateisk A~fcL'urlhy STREET ADDRESS: 83 Kdlp Dri:c Carlisic, PA I?Ui5 2. POLICY PERIOD: Inccptior, bate: Ux'2lrZUUq L=xp+rs+=~on 9^'•:. ~-:. URi21;2UfU t'fe6tive 12:0° a.r:,. Standard lime at IhC ODUre_•5 ns thr N r* .': In=.urod 3. L[MIT OF LIABILITY: Each Claint: S 1.DOO,i?Ui Agyrcgate'. 5 2AD0; t~no Claim Expanses hive a separate Lirnit of Liabi'.i:y'. Eaoh Claim; S 7.DUO:I:ND F~grCg'ulc'~ F?!loll l)DD 4. DEDUCTIBLE EachC'aim: S5UO.Gp AgrCregete' SliJOo.l]l~~ 5. RETROACTIVE DATE: 1iX21l2Girt Ir u data is indicOlyd. Reis pUGcy wi0 ,wl provide Co•ur:rage 1nr any CIaVm eri3m; •ut o` nny act, error, Ornissior. ~t pN SOnaI injury which cc~uned lietore such date. ti, ANNUAL PREMIIUM: 5 GZD.n(I ENDORSEL9ENTS: 'I"his policy is mad+~ and ucCw7~WU subject IC the plsnled policy lunn iu tether ~a~en rP iollnwi^.n forn~~i;; ~ n~ entlcYSemcnti-aJ asta.m-sr.~.;*;z7rcn*1 c::w.o~se->:aof'>t torn~a;en d}SW~07.41?YCt ;rKrNi71 Y}sN.a~.n~r.avs (ltU2W~ s. MANAGING AGENT ic.a,/<,., ': ':L,.,c+ae%~~ HerUen 1-!. Laedy lnsuran4e f~enry, Inr.. ., ,.. L5 Second F.venue. BUi:c- X10 .. ................. _......... _... AUU VliLea Fet - er.laave Nu9ds,arn Ma~:ach:usetLs 0'L»'~=-227fi ii9:~-07,e,R72.: if j`1i~r' V ::apyriaM 2707. ~.on•,ral 5;or td anagsmex't Co nlr,n:. 7 ..:a ^npr i r,7 -~. 1'nkl„sr r_od:'. nunahz:-o Sl.:~ Dma: nRtU~.I/:U09 Scale l rl"! tet aE2 sa-s Form MAP.LOC - "TOTAL for Windows" appraisal software by a la made, inc. - 1-800-ALAMODE F' N .A. P STRAW FAMILY TRUST Market Conditions Addendum to the Appraisal Report File No. STRAW , L.A. / A.M. i The purpose of this addendum is to provide the lenderlclient wfth a clear and accurate untlerstantlmg rn me marxet trerws one conamans prevaiem m uie suurea net hborhood. This is a re wired addendum for all a raisal re orts with an effective date on or after A ril 1, 2009. Pro ert Address 14 DREXEL HILLS CIRCLE Ci NEW CUMBERLAND State PA. ZIP Code 17070-1716 Borrower NIA Instructions: The appraiser must use the information required on this form as the basis for his/her conclusions, and must provide support for those conclusions, regarding housing trends and overall market conditions as reported in the Neighborhood section of the appraisal report farm. The appraiser must fill in all the information to the extent it is available and reliable and must provide analysis as indicated below. ff any required data is unavailable or is considered unreliable, the appraiser must provide an explanation. It is recognized that not all data sources will be able ttl provide data for the shaded areas below; if it is available, however, the appraiser must include the data in the anaysis. if data sources provide the required information as an average instead of the median, the appraiser should report the available figure and identify it as an average. Sales and listings must be properties that compete with the subject property, determined by applying the criteria that would be used by a prospective buyer of the subject roe . The a praiser must explain any anomalies in the data, such as seasonal markets, new construction, foreclosures, etc. invento `Anal sis Prior 7-12 Months Prior 4-6 Monftrs Current - 3 Months Overall Trend Total # of Cam arable Sales Settled 0 1 2 Increasin Stable Declinin Absorption Rate otal Sales/MoMhs 0 0.33 0.67 ^Increasin ®Stable ^Declinin Total # of Com arable Active Listin s 0 0 1 Declinin Stable lncreasin Months of Housin Su I otal Listin s/Ab.Rate 0 0 1.5 Declinin ~ Stable ^Increasin' Median Sale & List Prlce,'DOM; Sale/List % Prior 7-12 Months Prior 4--6 Monlhs Current - 3 Months Overall Trend Median Com arable Sale Price 0 174 900 168 000 Increasin Stable Declinin Median Com arable Sales Da s on Market 0 57 26 Declinin ®Stable Increasin Median Cam arable List Price 0 174'900 172,400 ^Increasin ®Stable `-Declinin Median Cam arable Listin s Da s on Market 0 b 83 -0eclinin ;Stable Increasin -Median Sale Price as % of List Price 0 100 97.45 ^Increasin ®Stable ^Declinin ~, Seller- develo er, builder, etc. aid financial assistance revalent? ®Yes No Declinin Stable Increasin Explain in detail the seller concessions trends for the past 12 months (e.g., seller contributions increased from 3% to 5%, increasing use of buydowns, closing costs, condo fees, a lions, etc.. SALES CONCESSIONS TYPICALLY AVERAGE APPROXIMATELY 2 %. SALES CONCESSIONS HAVE NOT NECESSARILY INCREASED BUT REMAIN A PREVALENT OPTION IN RETAIL REAL ESTATE. THEY ARE USUALLY IMPLEMENTED WITH AN INCREASED CONTRACT PRICE TO OFFSET THOSE INHERENT CONCESSIONS. Are foreclosure sales REO sales a factor in the market? Yes No tl es, a lain includin the trends in listin s and sales of foreclosed ro erties . AN INCREASED NUMBER OF REOIFORECLOSED PROPERTYS HAVE ENTERED THE MARKETPLACE. THEY CONTINUE TO SELL AT FAIRLY CLOSE TO THE LISTING PRICE WITH THE AFOREMENTIONED SALES CONCESSIONS ALWAYS A REMAINING POSSIBILITY. Cite data sources for above information. CENTRAL PENN MLS PATRIOT NEWS COUNTY COURT HOUSE. Summarize the above irdormation as support for your conclusions in the Neighborhood section of the appraisal report form. M you used any additional information, such as an anal sis of endin sales and/or ex fired and withdrawn listin s, to formulate our conclusions, rovide both an a lanation and su ort for our conclusions. CUMBERLAND COUNTY IN GENERAL HAS REMAINED A STABLE SALES ENVIRONMENT IN THE CENTRAL PA. REGION DESPITE CONCERNS IN NEIGHBORING COUNTYS TO THE SOUTH AND EAST. AND EVEN MORE SIGNIFICANT MARKET CONCERNS ABROAD. THE APPRAISER DOES CONTEND THAT THERE IS AN OVER-SUPPLY OF CURRENT LISTINGS IN THE GENERAL MARKETPLACE ALSO IMPACTING NEGATIVELY THE CURRENT ABSORPTION RATE AND LONGER GENERAL DAYS ON MARKET. K the sub d Ls a un(t in a condominium or cooperati Sub'ect Project Data Total # of Com arable Sales Settled Absar lion Rate atal SaleslMonths Total # of Active Com arable Listin s Months of Unit Su I otal listin s/Ab.Rate Are foreclosure sales (RED sales) a factor in the proj foreclosed ro erties. ve pro t , complete tfre folbwing: NIA Protect Name: N/A Prior 7-12 Months Prior 4--6 Months Current - 3 Months Overall Trend Increasi Stable Declinin ^Increasin ^Stable Declinin Declinin ^ Staple ^Increasin - Declinin Staple Increasi ect? Yas Ntl If yes, indicate the number of REO listings and explain the trends in listings and sales of . Summarize the above trends and address the im act on the subject unit and ro~ect. Si nature Si nature A raiser ame PATRICK A. McCARTHY Su erviso A raiser Name Com an Name McCARTHY ASSOCIATES Com an Name Com an Address 83 KELLY DRIVE CARLISLE PA. 17013 State License/Certification # RL 001155 L State PA. Com an Address State License/Certification # State Email Address mccarthyassociates@comcast.net Email Address Freddie Mac Form 71 March 2009 Page 1 of 1 rannie mae rwm ~~+~~~~ ,~,a,~„ ~~~~ Form 1004MC2 - "TOTAL for Windows" appraisal software by a la mode, inc. -1-800-ALAMODE ~: T) E FOR A VEHICLE ~'~~ T C I ERTIFICATE OF .. ; i 4.89 .; _. ~, ._ ,;. ~ ;~ . ;. ;_ , ~~.,~ . - . t . .. `D7 C13;'~~34 CJt7l~Dt!]b~ - fl~i1;~ ~ ~~ ! ~ ~ ~ '~ - ,~ 1,L NhtI183~t~7Yb1,5B1'4? 2aD7 ~ LT1'.C41rN 6~228682DL1i, ~T j - VEHICLE IDENTIFICATION NUMBER YEAR MAKE OF VEHICLE TLTLE NUM1I6ER ' ~ ~~Bblfl~? E ^;DUC1TaD p ~ ~ ~~ ~~ ~ ~ ~ ~ . _. ~ _,. ~ DU BODY TYPE SEAT CAP PRIOR TITLE STATE JDOM PROCD DATE CM STATiJS ODObd. MILES OD ~ ~ ~~ ~~ N S ~ -~ DATE PA TITLED GVWR UNLADEN WEIGHT DATE OFISSUE TITLE BRA D GCWR - ODOMETER STATUS r D ~ ACTUAL MILEAGE ': = MILEAGE EXCEEDS THE MECHANICaL ~ - LIMITS ]] S !~ ' "~ ~ 2 =NOT THE ACTUAL Ml4FAGE 3, ,~ 7"~'`ti: 3 ~ NOT THE ACTUAL MILEAGE-0DOMETER j ~ K.~. ` TAMPERING.VERIFIED - A. .~,~+~ r ' r_ ~ p~ GMETER DI9C~CSJRE ; L E -~ ~ ." J1 ~y Y , -~ REGISTERED OVJNERtS)' ~: ~~V ~ ' ; ~ 'F~ ,~ ~ ~ -:. ANDS ANTIOU LV,E R A = - ~~ ~.;~ '~4 M ~y ~1 '(' ~,~~'%j \S;;Sf,~w ir`~ L ~I f 7R rtf F '~',~, ': ' ' ~ ~ C ~ CtA551C VEHICLE D y GCLLECTIDLL-VEHICLE ' ~J } [' . .. A t`I A111.'QN .:. • 1 LEWES A $t F =OLrt OF COU[7TPV . , . ~ ~ R 3~ ~ I~" q:' ISTHI9UTION s- ~~ Y' ~, R ~ t ,.; ~ ~ .. - D H = AGRFCULTURAL VEHICLE ' ~ _ 4 DREXE'L HILLS CIR -- v I L _LOGGI~~ERI~LE ~ POLICE VEHICLE S A ; , ~(p p ~{ ^7 ^7 7.~NQ I]'A ~ C~fD f.NEW-;~-CU{7~i1~F\I . P = IS/Jlp R ~RECONSLftUCTED S =STREET POD r .. T - RECOVEREQ THEFT vEHIC~E - V = VEHIGLECONTAINS REISSUED VIN V! =FLOOD V(=T~iICIE - ~ -% =~.IS/WAS A,TAXI ~ 'FIRSTl E?JrFAVOR DES= - -SEC7ND.LIEN FPVORDF: ~ .~;~ ~ ~~ 11 e. sacond lienholdar Is listed upon sallsfactlor ul ?he first lien, the first - - Ilen~ ,der must dornardthis Title to the Bureau o1 Jdotor Vehicles vAth the - ' aP.. orWte loan arld Tee. FIRST ^ECF RELEASED ~ DATE . SE AND LIEN RELEASED 6Y - AUTHORIZED REPRESENTATIVE .. .. DATE. - LING ADDRESS BV - MAI AUTHORIZED REPRESENTATIVE ' LEWIS A ~ A MARIdN STRAW 14 DREkEL HILLS CIR NEW CUf1BERL~IND PA L707^ ALLEN D BIEHLER ~. I cartity as o(.tho. dale of issue, the oltlgai rncords of the Pemuylvan!a Dc ~aritnent ~, _ _~~ ~ orc en namW-herein.is tha-laW',i owned ~ _. -..- _ _..-....r- ,- - , .: ~Li~ctatm_reflact-hat.llre~son,zhof.c. P V -_ : i Secret>3ryof'Cnnsportafion of iha said vehicle. - ~ '" ' - -. .:.... !-. 'alT.1SiTR - f _ .: SUBSCPI~ED AND SWORN To sEFO~ ~D. .. DAY, ~. °d'Y~R IeNATUREOfeeasor+~a.~IwsTERwa OATH I( ..: co-pu~ haler other than your spouse. Is listed and you waAt;~he tdle to - ~ be Il~ted, as JQIDt Tenants With RighLOf Survlvprshlp" (.OD death O{ ono oJ~ net;tltla goestq~igurviwng owner) CHECK HEAD ~. Ot~!erv+ise, ttie fiUe wll be Issued as "Ten, ~~c-eaaed owner go~ants in_Common"(On death~of-one owner, inferealof to hisfner heirs or estate)' - 7S IJEN DATE- ^~ iF NO LIEN, CHECK ~ , 1S LIENHOLDER '~~' I STPEET I ' I_Gli - - - STATE ZIP IF -. NIS.IS AY ELT, CHECK HERE .FINANCIAL -. ~ _ - INSTITUT)ON NO. ~ NC-E~ FIN REQUIRED ~-1~ ~ i 2h'.:: LIEN DATE: • IF NO LIEN CHECK ~. Tne d~~; ~+a nor~i m?!Ces I°" la con~a~ a rue m uY, ~rn.~-mom - scr wN+hen W ~ 2N! :JENHOIDEA W rm nbwe, wU~bum ercvr~~rcxn am am~lacal / V -SIC~J.aTURE GF LPflLIGANT OA-Pl TF1~RrLED SIGNER '-' ~ f-- - ' STATE ZIP __ _ ~I CIT / ~ -" f IF 11tiIS.IS AN ELT, CHECK HERE ^ FINANCIAL D INSTITUTION NO O ' ' \.1J - 'S1cN~TLRe of co-naPL cnurrrriLe Vr aurnoRl2ED sll,aea . IRE REO f°~. FIN 1 NG m 0 0 U N Q Z 0 W W J U W a Z J to Z Z W a T O n O H ~1 ~+ fu rl _ ~ O' N C ~ •N C O .~ N N U_ c~ N O O > fU ~~ N ~ N ° c~ U N ?~ O ~ ~ '''' U~ef `v L ~V N O ~ .~ ~ ~ N (U ~ ~ ~ c ~ ~ L > O O °. ~ .o t ~ J L ~ ay o Z a~i ~ L (U ~ .C .~ ~ W ~ ~ U 3 O ~ Qs ~~ ~ O ~ Q. Z (~ O (~ •U ~ W c O W m N fit W c O J '- ~ a .~ tl2 ~ y .._. ~ ~ fn°~furo ~~•~~~~~ ~ *" _ `' ~ ~ 0101 ~s=fAN°fn0 ++ fU ~ ~ '' L A U y •U •p O ~ ttf ~ ~ ~ ~ ~ ~ ~ U L O ~ C O(n ~ao~c°viQ O fis c d .f] U ~'` "O ~ cU ~ N ~ > T O U OL~"Z3~ ~~~~ ° ~¢ N+"O. N ~,d~ ~~ ~ ~ •~ ~ O ~ ~~- ~'~sZf O~ y0H ~~~ ».. 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S E aw XH Q O -- z 00 ~.-r 00 NN N fn Z tT 00 ~OJ fTJ MMf7DONQ NV tJO~ J.J NZ NF- » ~7 r-~ o U -~ -~ ~o J o ZNU r•~ ~ Z aa~ wE•-~ o~fn ~ WA fYfY~ V1W WWO Q~ •• F-F-E xr••+w ••ww U W J W E E W ~UF-~0OOf ~Wa•iQAAU t1.~F-ZOOO • Bureau of Motor Vehicles .'/ pennsylvania 'Application for Registration Box No. 68593 ~~~ DEPARTMENT OF TRANSPORTATION ATTACH PA TITLE -TYPE OR PRINT • MAKE CHECK PAYABLE TO COMMONWEALTH OF PENNSYLVANIA Harrisburg, PA 17106-8593 No. ~~7 A m PA TITLE NUMBER(AS'SHOWNONA~CHEDTIT~E). r+~ ~ ~ . d99 ~- ~~ e ~ MAKE'OFVEHICLE ! t ! 'MODELYEAR "°~ "'" PURCHASE PRICE (See Noteon-Reverse) 1 '"" w ~ " ! ~ .~. ~ ~„1 (~~ ~ U = w ~ VEHICLE IDENTIFICATION NUMBER CONDITION > a ~.~~ ~.~ ~~ lv,1-t ~~''~j~„jfi~ O-:GOOD 7FAIR OPOOR LESS TRADE-IN t B LAST:NAME(OR FULLBUSINESS NAME) FIRST NAME MIDDLENAME . o: J w CO•SELLER N TAXABLE AMOUNT ~~' .t r• ;~._-- 1. SALES TAX DUE 07) os) OR X 7°5 ( - X s% ( / r' -- TOLE NAME PA DL/PH0T0 IUK DATE OF BIRTH . . ~.~ ~. IDS{ OR BUS * (See Note on Reverse). {J 7 ' . 1A:"EXEMPTION ~. _.. - REASON`CODE (must )DLE NAME PA DL/PHOTO IG# DATE OF BIRTH be a number from`i to 23 or 0) 18. FIRST 1B. SECOND"' ASSIGNMENT ASSIGNMENT -' COUNTY CODE EXEMPTION NO . EXEMPTION NO . 2: TITLE FEE ~- DATE ACQUIRED/ , ~ OD PURCHASED REFER TO COUNTY C ES LISTING ON REVERSE'SIDE OF YELLOW COPY 3. LIEN FEE f ~ CO-PURCHASER LAST NAME FIRST NAME rn h ~ di<[7 ~ ~ ) d ~ v ti ~ STREET o. ~~ ('?C~ ~ ~~. (Zf > ~ ~ S ' r F ~ l:lYr"VnV Z W ~ Q ~ ~ STREET a p o N N d:REGISTRATION OR PROCESSINGFEE NE MIDDLE NAME PA DL/PHOTO ID# DATE:OF-BIRTH FEE EXEMPTNUMBER AS'ASSIGNEDBYTHE DEPARTMENT COUNTY CODE ~"T 5. DUPCICATEREG. FEE 'NO. OF _ - CARDS_ ZIP CODE' DATE ACQUIRED/ PURCHASED REFER TO COUNTY CODES 6. TRANSFER.FEE LISTING ONREVERSE SIDE OFYELLOWCOPY' °ICATION NUMBER - 7:- INCREASE'FEE ;) CONDITION '- g. REPLACEMENT FEE ~,,~'' 17 GOOD F / ~ TRANSFER OF PREVIOUSLY ISSUED PLATE ' ~PJ PLATE TO REISSUED BY O TRANSFER 8-RENEWAL.OF PLATE DEPARTMENT (PROOF OF .INSURANCE MUST BE O TRANSFER & REPLACEMENT~OF PLATE ATTACHED.) O TRANSFER OF.PLATE &REPLACEMENT OF STICKER O~EXCHANGEPLATETOBE pL4TE.N0. ISSUED..BY DEPARTMENT O TEMPORARY PLATE'ISSUED EXPIRES Month Year ~ BYFULLAGENT O p TRANSFERRED'FROM TITLENO. u. z~ oyw U N ~ SIGNA URE OF PERSON FROM WHOM. SIGN HERE .~ c7 w NO. TEMP PLATE , PLATEIS BEING TRANSFERRED (IF a a ~ , OTHER THAN APPLICANT) Q ,,.-, ,,,., ~.., ,.,.",,..~~., ,..~c~nur rnnnro IINI Ar1FN WFIGNT REQ. RE E• MAKE OF'VEHICLE `VEH w p -+ w O O _ ~ MODELYEAR BODY TYPE >t- ~, p FAIR O POOR so. (ADD 1 THRUB)- 1t.'GRAND TOTAL SEND ONE CHECK IN (ADD9 810) THIS AMOUNT ~ ¢ 1~') ~ ~~.f °ORREPLACMENT. O LOST O DEFACED O .STOLEN O NEVER RECEIVED (Lost in Mail) NOTE: If'NEVER'RECEIVED" blockls checked, applicant must complete FormMV-44. iN$URA~ q CCOMPAMY NAME - POLICYNO. (OR ~y p -~ roucr erttc I k.Kt ~~~~~ ~ - r~~"- S 1 1 ~•1J`!4 ~r `? ATTACH. BINDER 1~.3/`i ~,.: P? ~;~ ~ ~ DATE r~'d, cf'" m` t' i U DATE - ~ `?..-.o~C•''',j iCERTIFYTHATONMONTH DAY YEAR ISSLWGAGENT(PRINTNAME} AGENT NO ISSUING I HAVE CHECKED TO DETERMINE THAT THE VEHICLEISINSUREDAND AGENT ISSUFIJTEMPORARYREGISTRATIONTOTHEABOVEAPPLICANT,IN ISSLiNGAGENTSIGNATURE TELEPHONE NO. INFORMATION COMPLIANCEWITHALLAPPLICABLEPROVISIONSOFTHEVEHICCE CODE AND DEPARTMENTREGULATIONS. ( ) G' iNVE CERTIFY THAT I/WEE HAVE EXAMINED AND SIGNED THISFORM AFTER ITS COMPLETION AND THAT THE INFORMATION GNEN IS TRUE AND CORRECT. IF ANY EXEMPTION IS CLAIMED, THE PURCHASERFURTHER CERTIFIES?HAT HE/SHE IS AUTHORIZED TO CLAIM THISEXEMPT:ON. IIVJE ACKNOWLEDGE THAT INJE MAY LOSE MYlOUR OPERATING PRIVILEGES(S) OR VEHICLE REGISTRATION(S) FOR-FAILURE TO MAINTAIN FINANCIAL RESPONSIBILITY ON THE CURRENTLY REGISTERED VEHICLE FOR THE PERIOD OF REGISTRATION. INJE ACKNOWLEDGE THAT I/WE z0 MAY. BESUBJECT:TO A FINE NOT EXCEEDING $5,000 A~NDIMPRISONMENT OF NOT MORE THAT! TWO YEARS FOR ANY FALSE STATEMENT THAT I/WE MAKEON?HIS FORM. u Signat~8~p(~Irat Pur aser or r¢ed goer ` Telephone No. 1ST ...~"' ~- -~'.. f ~ ~ c . C:~v ,.u~°" I±- ASSIGN- ( ) ~ MENT SlgnaWre of Co-Purchaserlrf0e of Authorized Signer w v Telephone No. 2ND Signature of Second Purchaser or Authorized Signer ASSIGN- MENT gnature o ur aser e o u o Igner ( } ~"~, ~ z0 NOTE: IF A CO-PURCHASER OTHER THAN~YOUR SPOUSE IS-LISTED AND YOU WANT THE TITLE TORE LISTED-AS "JOINT TENANTS WITH RIGHT OF SURVIVORSHIP" (ON DEATH OF ONE z w_F ..OWNER, TITLE GOESTO"SURVIVING OWNER.) CHECK HERE ^. OTHERWISE, THE TITLE b~lILL BE ISSUED AS "TENANTS-IN COMMON" (ON DEATH OF ONE OWNER, INTEREST OF DECEASED ~ ~ OWNER GOES TO HIS/HER HEIRS OR ESTATE.) C z NOTE: IF THE VEHICLE-IS TO BE USED A5 A DAILY RENTAL ORiEASED VEHICLE, CHECK THIS BLOCK ' . IF BLOCK IS CHECKED, COMPLETE AND ATTACH FORM MV-1L. NO: r r_ --; ~~.U _- ~~ Vic,; ~~ ~, ;- t . ti=~ O -:_ r °n ~a °~ ~ _ h LL ~~ N v, AA^ ~ N I ' O ,A ~N ~ tl"f ~ (D O ~ _ ~ ~ O ~ OC O . /--~ ~ ~ O ~ ~ G OJr OC 4~ d~0