HomeMy WebLinkAbout10-04-121505610105
'J REV-15001x1°z-""~'
PA Department of Revenue pennsylvarda
Bureau of Individual Taxes Eo a.... ~ INHERITANCE TAX RETURN
PO BOX z8o6ot
Harrisburg, PA t9u8-o6oi RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
OFFICIAL USE ONLY
County Code Year File Number
~-I 12- I DD
Social Secudty Number Date of Death MMDDYYYY Date of Birth MMDDYYYY
194-26-8464 01/10/2012 03/08/1934
Decedent's Last Name
STINE
Suffix Decedent's First Narne
EDGAR
(If Applicable) Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix Spouse's First Nam<>
MI
V
MI
Spouse's Social Security Number
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
~ 1. Original Return O 2. Supplemental Return O 3. Remainder Return (Date of Death
Prior to 12-13-82)
O 4. Limited Estate O 4a. Future Interest Compromise (date of O S. Federal Estate Tax Retum Required
death after 12-12-62)
OD 6. Decedent Died Testate O 7. Decedent Maintained a Living Trust B. Total Number of Safe Deposit Boxes
(Attach Copy of Will) (Attach Copy of Tmst.)
O 9. Litigafion Proceeds Received O 10. Spousal Poverty Credit (Date of Death O 11. Election to Tax under Sec. 9113(A)
Between 12-31-91 and 1-1-95) (Attach Schedule O)
CORRESPONDENT- THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
DAVID P. PERKINS, ESQUIRE (717) 532-9537
REGISTER OF WILLS U9~NLY
~
~ 0 6
First Line of Address ~ ~
~
Attorney at Law -
i
~~~~ F ~+
Second Line of Address ~'~' C
~Oll
j ~'O C7
T
4 James Circle _
a~ '' =C ~ rn'
City or Post Office State ZIP Code bA7 ILED C..? C
9 _-
Shippensburg PA 17257 ~~'
Correspondent's e-mail address: DPPESO@GMAIL.COM
Under penalties of perjury, I declare that I have examined this realm, including accompanying schedules and statements, antl to the best of my knowledge and belie!,
it is true, correct and complete. Declaration of preparer other than Me personal representative is based on all information of which preparer has any knowledge.
SAN URE OF gERSO
N RESFt01PSIBLE FOR F111NG RETURN DATE
E
ll V .Tl. ~\111X~ 7TH \7tC./\ /Y) r.Tf. li.Ti 10/04/2012
ADDRESS
115 RAILROAD LANE SHIPPENSBURG A 17257
SIGNATU OF PARER O HER TIN REP ESENTATIVE
~ ~ DATE
G~ 10/04/2012
ADDRESS
4 JAMES CIRCLE SHIPPENSBURG, PA 17257
PLEASE USE ORIGINAL FORM ONLY
Side 1
L 150561171!75 1505610105
J
1505610205
REV-1500 EX (FI)
Decedent's Social Security Number
Decedents Name: STINE, EDGAR V. 194-26-6464
RECAPITULATION
1. Real Estate (Schedule A) ........................................... .. 1. 100,000.00
2. Stocks and Bonds (Schedule B) ..................................... .. 2. 0.00
3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ... .. 3. 0.00
4.
9 9 ( ) .........................
Mort a es and Notes Receivable Schedule D 4.
.. 0.00
5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E)..... .. 5. 29,722.35
6. Jointly Owned Property (Schedule F) O Separate Billing Requested ..... .. 6.
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property
(Schedule G) O Separate Billing Requested...... .. 7.
8. Total Gross Assets (total Lines 1 through 7) ........................... .. 8. 129,722.35
9. Funeral Expenses and Administrative Costs (Schedule H) ................. .. 9. 16,907.66
10. Debts of Decedent, Mortgage Liabilities and Liens (Schedule I) ............. .. 10. 58,484.34
11. Total Deductions (total Lines 9 and 10) ............................... .. 11. 75,392.00
12. Net Value of Estate (Line 8 minus Line 11) ............................ .. 12. 54,330.35
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which
an election to tax has not been made (Schedule J) ...................... .. 13. 0.00
14. Net Value SubJect to Tax (Line 12 minus Line 13) ...................... .. 14. 54,330.35
TAX CALCULATION -SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate, or
transfers under Sec. 9116
(a)(1.2) X .0_ 15.
16. Amount of Line 14 taxable
at lineal rate X .0 _ 16.
17. Amount of Line 14 taxable
at sibling rate X .12 17.
18. Amount of Line 14 taxable
at collateral rate X .15 54,330.35 18
19. TAX DUE ....................................................... .. 19.
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT
Side 2
1505610205 1505610205
8,149.55
8,149.55
O
J
REV-1500 EX (FI) Page 3
Decedent's Complete Address:
FII• Number
DECEDENT'S NAME
EDGAR V. STINE
STREET ADDRESS
111 RAILROAD LANE
CITY
SHIPPENSBURG STATE
PA ZIP
17257
Tax Payments and Credits:
1. Tax Due (Page 2, Line t9)
2. Credits/Payments
A. Prior Payments __ 2,500.00
B. Discount
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.
5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE.
(1) 8,149.55
Total Credits (A+ 0) (2) 2,500.00
(3)
(4)
(5) 5,649.55
Make check payable to: REGISTER OF WILLS, AGENT.
I1
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 .................................................................................... ...... ^
b. retain the right to designate who shall use the property transferred or its income ...................................... ...... ^
c. retain a reversionary interest ........................................................................................................................ ...... ^ ~
d. receive the promise for life of either payments, benefits or care? ................................................................ ...... ^
2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death
without receiving adequate consideration? ........................................................................................................ ...... ^
3. Did decedent own an "intrust for" or payable-upon-0eath bank account or security at his or her death? ........ ...... ^
4. Did decedent own an individual retirement account, annuity or other non-probate property, which
contains a beneficiary designation? .................................................................................................................. ...... ^
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
~~ ~, ~ ~ ~~ ~_~`. ~ . .~ ° ~' `~. I 1 _ ,,,,:fix
For dates of death on or after July 1, 1994, and before Jan. 1, 1995, the tax rate imposed on the net value of trlnsfers 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 staUutory requirements for disGosure 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 al death to or for the use of a natural parent, an
adoptive parent or a stepparent of the child is 0 percent [/2 P.S. §9116(a)(1.2)].
• The tax rate imposed on the net value of transfers to or far the use of the decedent's lineal beneficiaries is 4.5lrercent, except as noted in [/2 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 adopfion.
REV-1502 E%+ (O1-10)
~ Pennsylvania
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN
RESIDEPR DECEDENT
SCHEDULE A
REAL ESTATE
ESTATE OF: FILE NUMBER:
STINE, EDGAR V. 21-12-0100
All real property owned solety or as a tenant in common must be reported at fair market value. Fair market value is defned as the price at which property
would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant fads.
Real orooertv that is iainHV-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
Residential real estate known as 111 Railroad Lane Shippensburg, PA located in 100,000.00
Southampton Township, Cumberland County, Pennsylvania Tax Parcel ID 39-37-2092-031
valuation pursuant to appraisal
TOTAL (Also enter on Line 1, Recapitulation.) I; 100,000.00
REV-i5o8 EX+ (o8-iz)
Pennsylvania SCHEDULE E
Y7 DEPARTMENT OF REVENUE CASH, BANK DEPOSITS & MISC.
I"REHITANCE TAU RETURN PERSONAL PROPERTY
RESIDEM DECEDENT
ESTATE OF: FILE NUMBER:
STINE, EDGAR V. 21-12-0100
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly owned with right of wrvivorship must be disclosed on Schedule F.
0.EV-1511 EX+ (SO-09)
~`~i Pennsylvania SCHEDULE H
`~ DEVRRTMENT OF REVENUE FUNERAL EXPENSES AND
1"nERmu+cE Tnx RET1RN ADMINISTRATIVE COSTS
~ RESIDENT OECEDEM
ESTATE OF FILE NUMBER
STINE, EDGAR V 21-12-0100
Decedent's debts must be reported on Schedule I.
ITEM
NUMBER DESCR[PfION AMOUNT
A. FUNERAL EXPENSES:
I' Fogelsanger-Bricker Funeral Home funeral and burial services 10,147.00
112 West King Street Shippensburg, PA 17257
B. ADMINISTRATIVE CO5T5:
1. Personal RepresemaNve Commissions:
Name(s) of Personal Representative(s)
Street Address
City _. _. ____- _ -__ __- __-_ _-___. State _. ____. ZIP _..___
Year(s) Commission Paid:
5,850.00
2. Attorney Fees:
3. Family Exemption: (If decedent's address is not the same as claimant's, attach ezplanation.)
Claimant
Street Address ___
City _._. _.__ ______State_ ___. ZIP
Relationship of Claimant to Decedent
4. Probate Fees: 285.50
5. Accountant Fees:
6. Tax Return Preparer tees:
~ Legal Advertising -Cumberland Law JDUmaI and The Sentinel newspaper 275.16
e. Eyer Appraisals, Inc. - real estate appraisal 350.00
TOTAL (Also enter on Line 9, Recapitulation) ~ 16,907.66
If more space is needed, use addftional sheets of paper of the same size.
REV-1512 EX+ (12-08)
~ Pennsylvania SCHEDULE I
DEPARTMENT OF REVENUE DEBTS OF DECEDENT,
INHERITANCE TAX RETURN MORTGAGE LIABILITIES St LIENS
RESIDENr DECEDENT
ESTATE OF FILE NUMBER
STINE EDGAR V. 21-12-0100
Report debts incurred by the decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expenses.
ITEM VALUE AT DATE
1. Mortgage payable to: MGC Mortgage, Inc secured by real estate located at 111 Railroad Laine, 57,052.50
Shippensburg, PA 17257 -DOD balance
2. Runshaw's tax Service -Tax Preparation - 2011 Federal & State income taxes 113.00
3. Vivian F. Coy, Tax Collector - 2012 County & Township Real Estate taxes 220.26
4. Southampton Township - 2011 Street Light assessment 46.68
5. Borough of Shippensburg -municipal water service 49.90
6. Cumberland Franklin Jt Munic Authority - sewer service -January 2012 33.00
7. Millville Mutual Insurance Co-homeowner's insurance 387.00
8 Everett Cash Mutual Insurance Co -flood insurance 582.00
TOTAL (Also enter on Line 10, Recapitulation) I; 58,484.34
REV-1513 EX+ (01-10J
~ pennsylvania SCHEDULE 7
DEPARTMENT OF REVENUE BENEFICIARIES
INHERRANCE TAX RENRN
RESIDEM DECEDENT
ESTATE OF:
STINE EDGAR V
RELATIONSHIP T(
NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not list Tnl
I TAXABLE DISTRIBUTIONS [Include outright spousal distributions and transfers under
Sec. 9116 (a) (1.2).]
1. CHARLES D. COY NEPHEW
115 RAILROAD LANE SHIPPENSBURG, PA 17257
FILE NUMBER:
21-12-0100
DECEDENT AMOUNT OR SHARE
steels) OF ESTATE
100°/D
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH IS 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:
1.
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS:
1.
TflTel AC DAOT Tr _ FMITFD Tr1TAl NIl1NI-TAVARI F r11CTCiRI1Tf/1NIC r1N I IMF 1 ] /lC DF\/_1 SNfI I'!~\lFG CNFFT I!
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LAST WILL AND TESTAMENT ~~ ~ `- T,
$ r ~~ O
0
I, EDGAR V. STINE, of 11 Railroad Lane, Shippensburg, Southampton Township, Cumberland
County, Shippensburg, Pennsylvania, being of sound mind, memory and disposition, do hereby make.
publish and declare this my Last Will and Testament, hereby revoking and making void all wills by me
at any time heretofore made.
FIRST. I order and direct the payment of all my legally enforceable debts and funeral
expenses as soon as may be convenient after my decease.
SECOND. I give, devise and bequeath all of my estate, real, personal and mixed, whatsoever
and wheresoever situate, to my nephew, CHARLES DAVID COY.
THIRD. In the event that my nephew, Charles David Coy, should predecease me or is not
living on the thirtieth (30`s) day following my death, leaving issue who survive me, I then give, devise
and bequeath said deceased beneficiary's share to his issue who sttrvive me, on a per stirpes distribution
basis.
FOURTH In the event that my nephew, Chazles David Coy, should predecease me or is not
living on the thirtieth (30"') day following my death, and said beneficiary dies without issue who
survive me, I then give, devise and bequeath said deceased beneficiary's shaze to my nephew's wife,
BETTY JANE COY.
FIFTH. I direct that all taxes that may be assessed in consequence of my death of
whatever nature and by whatever jurisdiction imposed, shall be paid from my residuary estate as a part
of the expense of the administration of my estate.
SIXTH. I nominate, constitute and appoint CHARLES DAVID COY to be the Executor
of this my Last Will and Testament; if CHARLES DAVID COY is unable to fulfill his duties of
Executor, I then nominate, constitute and appoint BETTY JANE COY to be the Executor of this my
Last Will and Testament.
SEVENTH. I direct that my personal representatives shall not be required to give bond for the
faithful performance of their duties in any jurisdiction.
EIGHTH. T direct my Executor to retain the services of DAVID P. PERKINS, ESQUIRE,
with respect to the settlement of my estate due to his familiazity with my affairs.
IN WITNESS WHEREOF, I, EDGAR V. STINE, have hereunto set my hand and seal to this my Last
Will and Testament this iSday of October, 2003.
-~~~' U~~~-(SEAL)
This instrument was by the Testator, on the date hereof, signed, published and declared by him to be his
Last Will and Testament, in our presence, who at his request and in the presence of each other, we
believing him to be of sound and disposing mind and memory, have hereunto subscribed our names as
witnesses.
G ~~~
GG'~~e.~- ~~ ' ~'
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
I, Edgar V. Stine, the person whose name is signed to the foregoing instrument, having been duly
qualified according to law, 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.
Sworn or affirmed to and acknowledged
before me by Edgar V. Stine, the Testator,
~ this th day of October , 2003.
~1 ~ !1
NOTAflIAL SEAL.
1 PAtvYELA A S~t1TALS'<:i Nn'a~~~ ?ublic
3hippensCurg, Curnber;2rn1 G^.unM
My Commission Exni ss F- ~ n 2C1D~
t
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
We, .3av,S~ P. Pr~t<la`+.S ,and ANS>i:.EY~ ir P~~xiN~
the witnesses whose names are signed to the foregoing instrument, being duly qualified according to
law, do depose and say that we were present and saw Edgar V. Stine, the Testator, sign and execute the
instrument as his Last Will; that he signed willingly and that he executed it as his free and voluntary act
for the purposes therein expressed; that each of us in the hearing and :night of the Testator, signed the
will as witnesses; and that to the best of our knowledge the Testator was at the time eighteen (18) or
more yeazs of age and of sound mind and under no constraint or undue influence.
~ a ~ ~~~
/J ~~~
Sworn or affirmed to and subscribed before
me by `~PJ~D _P. PScRxrrt-r
and AND(~k`I W . PF (~K~1S~
~ntnesses, this i 5 day of October, 2003.
NOTARIAL SEAL
i PAMELA. A. SWITALSKI, Notary Public
' 3hippensburg, Cumberland County
My Commission Expires Feb. 9, 200a
A Tradition of Ezeellenre
March ?, 2012
David P. Perkins, Esquire
Attorney At Law
4 James Circle
Shippensburg, PA 17257
Email: davidperkins@comcast.net
Re: Estate of Edgar Vincent Stine
Social Security Number 194-26-6464
Date of Death 1/10/2012
IT IS HEREBY CERTIFIED THAT THE ABOVE NAMED DECEDENT HAD THE FOLLOWING
ACCOUNTS WITH ORRSTOWN BANK:
CHECKING ACCOUNT
Account No:
Account Type-
Date Opened-
Joint Account (nameldate)-
Balance-
Accrued Interest-
CERTIFICATE OFDEPOS71'
680265
50+ Interest Checking ]wage
12/29/1994
No
$28,022.96
$0.39
Account No.- 4000043178
Account Type- 120 Month Growth CD, Irrevocable Burial Fund
Date Opened- 1 11 012 0 1 2 (Decedent's 1 bite of Death)
Joint Account (name/date)- Fogelsanger-Bricker Funeral Iiom.e Inc. -Guardian, 1110!2012
Original Amount- $10,247.00
Interest Rate- 2.28%
Best Regards,
J 1 R. Worthington "~
Deposit Processing Cle;':.
2695 Philadelphia Pw-~~ ~~
Chambersburg, Pq 1;;
1.88$.ORRSTO W N
,/
~ ~;
~t~age Iac.
July 17, 2012
Estate Of fidgar V Stine
Cf0 Charles D Coy
111 Railroad Ln
Shippensburg PA 17257-
Mortgage Servicing
1 Corporate Drive, Spite 360
Lake Zurich, IL 60047-8945
www.mgcmortgege.com
Customer Service 1-877-071'~.-7888
RE: Loan Number: 1424168167
Dear Estate Of Edgar V Stine and C/O Charles D Coy
This letter will confirm our actions regarding your r.=_cent inquiry.
We are in receipt of your correspondence requesting the outstanding
loan balance as of January 10, 2012. The loan balance at that time was
$57,052.05.
Your satisfaction is important to us, and we will diligently work to
assure the appropriate handling of your loan in the feature.
If you have any questions, please call us at I-877-471-7886.
Sti'n~eCrely,
Cassandra Spodek
Research Department
QC300fCRA
Uniform Residential Appraisal Report Flle# E9663
The se a/ Mb wmnl9 lest re is b vbe Me butler/dbM wIM an aCalrine. antl uale w o Inbn of Ma market value a Me aub'ed ro
Prolx Aatlresa 111 Railroad Ln _ city ShiooensburQ_ -_sbte PA __ Zip codet7257 _-
eomowerE aVSDne EStetO _ _ Owner or Public RecoM EdgarV$aee __ ,- count' Franklin
Legal Deso'Iption Ramrtled in Deetl vol. 26X ro 391
Aaseaaofa Forest # 3937X52031 _ _ Ten Yaer 2812 __ R.E. Tezes $ 7 325
9372092031 Canws Trae73707
$WNamDtM Tx~__ Map Relerenca 3
NalghbomooO Name
1
I
O¢u nt Owner I n I Tenant O V t Spec I A samenls $ 0 I I PUD HOA $ 0 er ear er rrwMn
Property Rights Appreleed % Fea Simple Leasehold Other (deaWDe) ,
Amlgnmlmt TYW Purcriase Trensaction_ Renitence Trensedion X Other (tlesaibe) ESlale 80aa#a
Leneer/cliera GlalasD Atltlmsa %David P. Perkins E ie 1Je Grck Sh' oensDw PA 77257
I~
la Ma w0 Propery uVrrer!_!IY oRered for mb ar has n been o#eretl for cab In the kveNe monma Prbr ro the eifedlve tleks of Ma epPreieal't I I Van X No
Report-Oeb 6aurm(s)-usatl. allenn9 Prite(b), antl tlele(n). me reNfE6 fAYNplleO fecONe _._._ __ _
I tlb d'M nM analyze Me cantrao far aeb for Ma wbject WrMeae trensadion. Explain Me rewna b Ma analyNa of Me conireW for aeb or why Me analysts was not
perfomlea __ -.
Gontree Prica$ Date M contract Ia Me property aelbr the owner of W blit recoM7 Vea No Oats Source(s)
Is Mere any flnanclel asaisance (loan hargea, sale concesaiona, gin or tlownpayment as&nbnra, etc.) M be paid by any party on banarc of the borrows? Yea No
n Vea, report Me [obi tlollar amount antl tleaoibe Ms Hama to be paid: _
Nbls: Rase antl the raelal aom oektlon e! tl1e net hborheod ere no! a cabal footsore.
lbiphbrorhoed GhMpbrblbe OrrUnh Ilousl Trends OrrUnN Moueln P'erwrrl Wd lbs X
Lor4lion Uman X Suburban Rurel Propany Values Increasing % Sfebla Declining PRICE AGE Ono-Unn fi5 %
Bulrc-Up Ovar 75% X 26]5% Untler25% pemantl5upply Shortage X InBebnce OverSUPPIy $(g00) (yrs) 24 Urm 5 %
GraMh Rapid X Stable Sbw MarkMln9 Tme Under3 mM X 8-6 mlhs OverSmma 50 Low 0 Mum-Family %
Nalghbomood BOUndarlea Bountletl noM Air dRtl. south Gw+emDU Rd. east Gilbert Rd. antl west Neil Rtl. 350 High 200 COrrlmerGal 10 %
~ Prey ]5
725 Other 20 %
__
Neighbomoo0 Deaaiption The subject is locabtl go 2 east of the Sh'ooensbum Borough 'n Southampton Two. with east/ access to amolarment schools recreation and
sho in .
.___
e _-__ -
w Market ContlMlona (dud'mg wppwt roc Me above coneuabna) Inc 1 r tes are sC reasonable antl'n the 3-7% range FOanC ng concessions ere common to the area and
usuell are 3 to 5%ot the oumhase price. __ _ _. _- _
Dimensions i War Aree 42686 sf Shape irlegula vNrw N'Res'Res
Spetlflc ZOmng clasaifirationy>; Zoning Desaiption Mlla eCenM __
Zoning C.Ompllan® X Legal Legal NonuroMOnning (GrendMhxed Uw) No Zoning Illegal (tleaoibe)
Is Me hgheatantl bestuee pinta aubjee propertyaslmprovetl(ores proposed perplena antl spedikationa)ihe preeentuae? X Yas No rcNt, tleaoibe
si le tami dwelli
UtllWee Publb Other (deserlbe) Publla Other (deoerlW) OR+Ib lmprovemenb-Typo Publle PrNab
Eledddly X Weer X street 8 eN x
Ges O ~ none sennery sewer ~ O _ Alley none _-
FEMA Map Date 03N6f2009
FEMA Special Fkwtl Recent Area OYea ONO FEMA Flootl Zone pE FEMA Mep NO. g20HW362E
_,,
Am Me utlliliea antl oil-eta Improvements typical for Ma market area'! X Yea No. n No, deaWba _
Are Mare any atlverse ails COntlabna or exbmel moon (easements, ancroernmeMa. envlron antal oond'Rbns, lend uses, etc)] Yea % No I/Vea. OeaVlbe
Pudic waterald sewer are to tll Died N aMar easements otencroechmeWS ware oDServetl _ ___
OwwY DaaerNllm
Units X Ona One with A¢eswry Untt Folwtddlgrl
X concrete Sleb Craw Space Erawrlgr DwaerlPROR rrrMlak#mrrwgtlan
Fauntletbn Wells gt abNavO IrwwW
Floors C N
# of S[onea 1 Full Basement Partial Basemen Exterior Wells v~Vag Warts dY neV
TyW % Del. AR. S-DeVEnd Unn Basemen[Area Oaq. R. Root SUrleca a6 helV TrtrrvFiniah wooN
X FJrlanng Pro Untler con Basement Finish 0 % Gutters 8 Downspouts euM Bent Floor Wit
Design (Style) rencA Oubide EnirylE%It Sump Pump NAndow Type d l hu Bent Wainscot
Year BUitt 7999 EWdence of Infestation Stonn Sash/Inaula[etl et' Gar Sara a None
ERedive e m Dam eu SeltlameM Saeene X Orivawsy # of Cere q
ARic None _ __ Heatlng FWA % HW9B Ratllan Amenitba _ VWOtlStove(api0 Dnvewey 5urla® SlOrle
Drop Stir Sbl= OMer Fuel gil FirePbtw(a) # 0_ Feoca nOna Garage # of Cara_ -p _.
~
Fbor X Scutlb (.toting Central Air COndnbnin9 Palio/DerXOgfle Poroh nOna Carport #ol Cara
0
FlMahetl Heated % Intlivbual OMer Pool Omer Att. Dec Bu114in
A Ilenma % erebr X Ran aaJVen DiahwaMer Db ml Mkzow®ve Wiuher r Other tleaaiba
Finished area abeye gratle wMeins: 5 Rooms 2 Bedrooms 10 BeM(9) 861 Square Feet of Gross Living Aree Abovo Gratle
Aadnional features (special energy emciant Items, etc.) v'nvl ranch 2 betlrooms Dath living room kitltlining area launtlrv room on cc slab oil hwbb heat tlalached ec blk builtlin
for furnace - a cox. 6x9' tar a traitor shetl - 36x48"rregular
ceacnbe Me mntlititn or Me property Qnduding nestled repein, Oelarbrallon, renovabans, remodalin8~ attd. G'NO UDtlees in he tlgf 15 9aB well maintained ranch
Are Mere any physical de6denciea or save tonaaiona Met eleeM Me lwabnlry. aountlneae, or saucNrel integrity a Ma Wppertyt Yes x No rcrea, m,aree
Does Me property generally conform to Me nelghborhootl (funclbnel utilnY. aryb, contlnlon, u mnatrudion,- etc.)'! % Yes No nNO. deecrtba
Freddie Mac Form 70 Match 2005 UAD Varaion 9/2011 Paga 1 oI 6 FanniaMae Form 1004 March2005
Uniform Residential Appraisal Report FkkeM E9663
There are 6 compareble propertlea arrenty oReretl for sar in Me oubjecl neigM1DOmootl renging In Prlm Ram $ 89000 M S 119000
There are 1 cam arable aelas In Me abed net hbwhootl wnM1ln Me ant twelve momha ren in In sale rite Rom $ 91.900 b E 1
FEATURE SUBJECT COMPARABLE SALE#1_-_ COMPARABLE SALE#! COMPARABLE SALE#3
111 Rakoatl Ln
Mtlreaa Sh' bu PA 17 5696 O1tle Scotland RE
8 ' u PA 17257 1562 LiMSay Lot Rtl
SR abu PA 1725] 7498 Moumain fihatlow Ter
F 'Ir PA 17271
Pro:imttyM SUb)ed
sere Prior
Sale PnralGroas LN. Area
Data Saurce(a)
s
S eq. R. .67 m' SW ._
$ 729900
E 706.65 ut. R.
m5#FL7808296'DOM 3 _,, 2.77 m8aW
S 116000
$ 772.08 aq. R.
mhMFL7908126'DOM 5 B. SW
S 705000
a 99.43 aq. R.
mrpFV 770'DOM 7
venflmtion source(s) Franklin Ca ublk recoNS - Frnklin Ca ublic records Frenklin Co ublk recoMs
VALUE ADJUSTMENTS
sar or Finandng
concesawna DESCRIPTION DESCRIPTION
AlmLm
Corn'0 •(-)E Atljustnred DESCRIPTION
AlmLm
Com'0 +(-)$ AlBustmed DESCRIPTION
AImLN
FHA 3500 •[-I$ Achslmalt
3500
DaredSalaTirm
Locetbn
N'Ra'Ras a0412'cOM72
N'fta'Res s09'12'c08/72
N'fta'Res sOW12'c &72
N'Ras'Res
LeavaM1OlOA=ea simple
sire _~
View
Design (style) Fea Sim
12688 sf ~_
N~Ra'Res
ranch Fae $im a
7.70 ac
N~Ra'Ra
bi-level
d000
__
0 F6e Sim a _„
27M3 sf _,.
N'Ra'Ra _._
bLMvel _
+7500
__
0 F6e Sim le
10079 s(
N'Ra'fta
2
•3000
Dorm dCwa6vdbn
Aural Age D4 __
73 D4
20 ___
+2500 04 _
27
_ •2500 D4
74 -,
0
cenaitbn
Above Gretle G
Trial
Bbms.
Bella G
Tdel
Btlrms.
B~M1S
-1$00 G
Trial
Btrme.
Begs G
Tdel
BOrrs.
BeIM
Roam corm 5 2 7.0 5 3 2.0 _ -2000 5 3 t.1 =7000 5 3 2.0 -2000
Gross LNIn9 Area 864 aq. fl. 1218 a9. rt. b 850 1035 e9- n. d 275 1056 s9~ R. .1 B30
IaeawwmS Fbiehetl
Rooms Below Greae Osf
OrgblO.pbapo 77145f180sfao
Ort70A.Oba0o S,OD0
-2000 1035sf1035sfaro
1rt1br0.1ba1o -5,000
__70OW OSf
OnOD10.ObaW
_
Functional Wlny aV
Neatin rcoonn hwbMno ac bbmo ac O ebb/nb ac O ebGno ac 0
Energy ElRClem Hems- MBnnOwiM ___ fiIe11110 wIM filell110 Wlntl -.._ tlranO sill _____.
•
' Garage/canon
PprrTlPatldOerX tracNr shed
lbna
_ roe
deck - +2000
_ -1000 nos
Lack ___ .2000
_7 WO none
none +2000
_
k6 ~_ _
kA kR k6 - k8
6 ace none none Ic _7000 none
• _
Net Miuatmart(TOrep
Atljuatetl Sele Prim
a DOm retiree X
NM Atlj. + 1526 %
Groac Atl. % S -09850
S 710 X -
Net Atlj. + 1403 %
Gross Atl. 1. % E -76275
8 725 X-
Net Adj. • 505 %
Grove Aa. 14.7 % S -5
$ 997
I X aitl tlitl nm research the agile or Ranarer hlarery m Me subject property antl mmpareble ears. 11 not, esplein
My reaearCl tlitl X tlb not reveal an tar sales w Renatere of Ma nub property /or the Mrea years prior [o Me eRedlve tlale m this appreiml.
Dare sauroe(s) Cumberland Co b recaros __
My reseerrn I I tlW X tlb nd reveal any prbr sere or trenshn o1Me mmperabr sera fd'the poor year to Me Oats m ear m the mmperabr sale.
Deter Souroe(s) Cumberlerb Co is records
Repoli Me ream or Me resaerOr antl
ITEM analysis d Me pbr aeb or bane
_ SUBJECT
._.- fw history of Me wbjed property ens mmperebre ewbs (report etltlni
COMPARABLEBALE#1 COMPARAI3LESALE#2 tnal poor nabs on page 3).
COMPARABLE BALE#3
DeredPnw Sere/Trensrer
Pnm MP~w Sab/Trenaler -~
Data source(s)
ERedive Date of Data Sources Cumbarlantl G uWic rec s
09/2571072 CumberlaM Cu ublic records CumbarlalM Co ublic. rewrds
09252012 0925/2072 Cumberland Cb ublic recortls
W125I2012
Malysls of poor sar or trenalw M1ierery m Me abject property antl cornpereble aebe 110a Im18d
-.-_______-_
sun.narya Sera compenaon APProar3r A13 sales were caaitlaM. COmos #ere tlr cbaest mat erlileraM moat leant bcebd_ __
Intlbatetl Vabe Sebe Con rian A roedl $
- Inaura valor Ix s.r Corrrperrerr Aq#esh$ 700000 can Alaamoh (R tlaveloPaN a 122129 pceme Appra•oh (R tlwagsm a o
Tha income a roach was not usetl tlue to a lack of rental sales needed to establish a GRM. The costa roach is not required by Fannie Mee. The costa roam was not considered
in determinin accrued de racialion of an oltlar ro er Most aei At iven to the sales con orison a roach.
a licable Due to the aancul
~
Thin appreisel Is mace I n i ac ra, wbjed W mmprtbn pw plans antl alredRmtlona on Na be&s w a hyprMhatirsl mntlNOn that the Improvemema Rave been
mrnpletetl, O wbjed b Me blowing repalre w aflwalbna on the Dea1e w a hypoMettral mntlnbn Mat Me repe'va w ettenawns have been compleletl, w O wbjM to the
folbwln re9ulretl Inapedim basetl m Ma exhaominery eaamp8on Met Ma cpntlRlm w tleadenc/ Ooea na re9uire aneratbn w repair-
a.w m . mrrprte vrr.l Irspctlm a Mrs Mtarlor antl ettlerler •raa• d Me arnast areaerty, blYrd asap. d nark atbmra w ®r•rrPtluw erne lMllrq
coYbs. rurtl Yw•rer• evwralen my (arrr) aP#nm a1 tti rwk•e vlu, r tlelYrq a1 the rW Property Mak r the •ab3s#t a tHS nppn r
a t as el raen r tlr a.s• w l •ntl un •Ireseve m d e#s
Uniform Residential Appraisal Report FtIaW Fss63
'I have er(ormed no ar the spec (iedl se es adore der or'n env olneln r~ci) ry eoartlin tg he or~erty that _.
stla sub'ecl of tltlsre artw8hn the Nree ear dotl' medialaN Oreced adtelXaln of M's ao mane. _._ _.. -. _
?Per the 2072-2013 USPAP:'When asoosure rim 's a com nent of the definition for the value o inioe Deing _,__ _ -_ _.
Bvelo ed the a raiser must also tlavel0o an oD ~ f asonaDle axoosure fine linked to that value do'n'ors __
The definition of Market Value on the form rovitletl D Fannie Mee includes reference to r0asonaDl~sure - _ -
tim0. Standards Rule 2-2 a v 2-2 b v and 2-2 c v has added the Ian ua ere uifinD that the opinion of
es osure time when tlevelo ed in com lience w th St tl d R I 1-2O De st t tl'n the report Reasonable
86 O6Ur8 tim8 84tlmatetl 3-fi months. TDe a faiaer le nOt B hOI11B ins BCfOL The 0 ral58f fOVitlBS do OgI010n Of _.
Blue. Thee sisal does not uaranlee that the m art iS free Of defects of envirOnomental pro Dlems. The _-
a raiser ertorms an ins action of visible and accessible areas onl .Mold ma be resent_in areas the aoora'ser
cannot see. A rof0ssibnal home inspect e t I' o f n may be made'( desired by the owner or _
r urchase[_ The agora§er is unawares of~pQemrountl fuel storeoe tanks on the prooerfv and if so is Dpt held __ -_
liable. -- ___ __ _. _. __ -. _.- - _ __
Note-TAB appraise( is _. -
COm Blanc to COm018tB this rBanrl in BCCOrdBOCB w 1h th8 COm OatenCV OrOVleions in USPAP TD8 aaDrB der i1B6 sated _. _-
in en inde endent ca acit end the op e I cement's not Dosed an a repuestetl minimum valuation or the -
a roust o(a loan. The a raiser has no direct or indirect interest in the ro art end relafpnshio w'th env
owner of or a involved wiN the a raised ro arty
r N t U d th fde D I'N 'sb tUSPAP th o er
cannot discuss the com laced B sisal or a reisal results with the Borrower. The a raiser honors the
contidentialil rovisions of USPAP Uniform Standards Ot Professional A sisal Practice in which the
Lend_erlCl'ent is Me ob'ed of said con6dengali __ _.. -. _.
,_ -_ Note _TO my _ -
knawled ache sub.ed can De rebuilt it deslroved. Note,- All utilities wem tunctipninp al the time of the ___ - -.. _-
ins ctron. - _.._ _. __ ._ - --_
rgGET APPWdkd1 To VALLI! lox npiM M wwi rsq
Provide etlequero lnfom~etion rortbe lender/dientro replicate Ma below mslfigureaand mlculalbna.
Support tm the opinbn of site value (ammery y mmpereble land mlea w yher meMOda ror estimating sXe vewe) -,
lad value tlemretl from can erabl0laA SelesdsD sin Ne suD'ect area. Land sala4iadn Reference-MLSp FL7703783 FL7930917 FL7643712. ,_ __.._
ESTIMHTED REPRODUCTION OR X REPLACEMENT COST NEW OPINION OF SITE VAWE ..................._...._.. _..............._...._ __.... _$ 45000
Sourtn of mat date Ma~shall85wifl COSt 6ervice Dwelling 861 sa~Ft.®$ 100.00 ~ ~_- ..-.- _-..... _$ 66400
Dueliry rmin9 from mat service Enetlive date o/mat Ease 091252012
Gommenta on GOat APProarh(grosa liWng area mlmletiona. depreciation, etc.)
('id$t ere . ^. w0s derived from Marshall and Swift Cost Ha0d000k 80tl mptllflBtl 10 local
LOndlll0ne. Site value Waa deriy8d from elllllar land SdBS. bwnt Sg. FL d4 E -- ................ =E
cc bk 6)9~foflumace trddOr SheO 4500
Garaga/Garport Sq. FL d9 $ _.__.. _......... _$ 0
TOtel Eelimab yCOal-New ...._ __...... _$ !3966
Less Pn airs! Funalonal EMemel
rtimeletl Remeinin Economic L'Re HUD and VA onl Yvan
u4caEE wPwwDlkeX ro VAUIE Depreaatlon 77277 _ °E( 17271)
DaPredeted Goat of Improvements ............._._..._. _._......._........_._....._=E 73629
'AS-IS' Value of SXa Improvemenb............_._._._ ............_...._...._._=E 3500
Intllcaletl Value B Goat A roecD..._..._._.._ .............. _........._._.___.=E 12
(no4 nqukw M Perri klae)
Eslknated MonNly Market Rent $ 0 X Gross Rent Muniplier 0 =E 0 IndicaledValuebylnmmeApproarh
Summery of Income Appmaar ('nduyng support for market rent end GRM) The bcpme approach was not used due to a lack nt similar sold rent r0 ertl0a nBetled 10 tptl UCB a
PRpIECr 1MOIrAWTfON FOIL RIG (E )
Is die Oevebpenbuil0er In control M the Hameovmere' Aasadetion (HOA)7 Yas No Unit type(s) Deterhetl Altetlee0
Provde the rollowing Inrorrrution /or PUDa ONLY X Me developed0ull0er is n mrdrol y the HOA end the auDlect property is en altacbed dwelling unX.
E L al n~mey road _
Tahel nurrawa d pDaeea Tail number y uni Total num[rer of unlb soM _
-_ _
Total number or uni rooted Total number W uni for sob Data Sounx(s)
_.. --
Wes gle projad ueatetl by Me converewn of exispn9 buil0ing(s) hro a PUD'! Yes No n Vea, data y mnvaraon _ _.. _.
noes Ne pryers mMein anY muni-dwelling unas~ Vea No Data source(s) __ _ _ _
Are the units, mnnwn ebmenta, and reoeagon fadlXiea complete? Yea No d No, Eeadlba the abaua of mmpletbn.
Are Me cwrlRan elements leased to or by IDs Homeawnera' AuWetion? Vea No I/Vas. tleeotbe tM1e rental temu'. end opXOn _
Geaviba mnvrwn 0bmenta Bntl rerfeanonalfaalXiea _ .-
Fredaia Mac FOrrn 70 March 2005 UAD Varaion 9/2011 Pega 3 of 6 Fannie Maa FOrm 100M1 Martl12005
I lr~iftt,~m ResidBntial Aupraisal F2apOrt Flla ii E9663
This report Torrn is tlesignatl to report an appraisal of a one-unit property or a one-unit property wtth an accessory unit;
indutling a unit in a plannatl urnt tlevelopmant (PUD). This report form is not tleaignatl fo report an appreiael of a
menufadured home or a unit in a contlominium or cooperative projad.
This appraisal report is subjad to the following scope oT work, in[andetl use, intentled user, tlafinition of market value,
statement of assumptions and limiting contli[ions, and certifications- Motlifications, atltltiona, or tlele[iona to the iMentletl
use, iMantletl user, definition W market value, or assumptions antl limiting contlitiona era rpt permitted. The appreisar may
expantl the scope oT work to inGUtle any atltlitional research or analysis necessary based cm the complexity of this appraisal
assignment. Modifirations or tleletions to the certifications are also not pernittetl- However, atltlitional oartifieatbna that tlo
not constitute malarial attaraflons to this appraisal report, such as those requiretl by law or those related to the appraiseYs
continuing education or membership in an appreiael organization, are pertnittetl.
SCOPE OF WORK: Tha scope of work for this appraisal is tlefined by the complexity of this appraisal assignment antl the
reporting requirements of this appraisal report form. inGUtling the following tleflnition of market value, statement of
assumptions antl limiting contlitions, antl certifications. Tha appraiser must, at a minimum: (1) perform a complete visual
inspection of the interior antl exterior areas of the subjad property, (2) inaped [he neighborhood, (3) inaped each of the
comparable sales from at least the street, (4) research, verify, antl analyze tlata from ralie[rle public antl/or prtvate sources,
antl (5) report his or her analysis, opinions, antl wndusiona in this appreiael report.
INTENDED USE: The intandetl use of this appraisal report is Tot the lentlar/Giant to evaluate the property that is the
subjad d [his appreiael for a mortgage finance transaction.
INTENDED USER: The in[entletl user of this appraisal report is the IentleUdiaM.
DEFINITION OF MARKET VALUE: Tha most probable price which a property should bring in a competitive antl open
market under all contlitions requisite to a fair sale, the buyer antl salleq each ceding prutlently, knowletlgeably antl assuming
the price is not atfectetl by untlua stimulus. Implidt in this tlaTnition is the consummation of a Bale as d a apeGfletl tlate and
the passing of title from seller to buyer untlar contlitions whereby: (1) buyer antl seller are typically motivatetl; (2) both
parties are wall informetl or wail advisetl, antl each acting in what he or she considers his or her own bast interest; (3) a
reasonable time is allowed for exposure in the open market; (4) payment is matla in tartna d cash in U. S- dollars or in terms
of finandal artangamants comparable thereto; antl (5) the price represents [ha normal consideration for the property soltl
unaftectetl by spadai or creative financing or sales concessions' greMetl by anyone assocAetetl with the sale.
'Atljuatments [o the comparables must be matla Tor spedal or creative financing or sales concessions. No atljustmenta are
necessary for [hose vests which era normally peitl by sallare as a result of tratlition or law in a market area; thaw coats era
reatlily identifiable since the seller pays thaw costa In virtually all sales transactions. Special or aaative flnenGng
adjustments can be made to the compareble property by comparisons to financing terms offered by a third party instkutional
lentlar that is not already involvatl in the property or Van9adion. Any adjustment should nc~t ba calculated on a mechanical
dollar for dollar coal of the financng or concession but the tlollar amount of any adjustment should approximate the market's
reaction to the finandng or concessions based on the appraiseYs judgmeM-
STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appreiser'rs certification in this report is
subject to the following assumptions and limiting Wntlitions:
1. Tha appraiser will not be responsible for matters of a legal nature that affect either the property being appraisetl or the title
to i[, except Tor information that ha or she became aware of during the research involvatl iin performing [his appreiael. Tha
appraiser assumes that the title is good antl marketable antl will not rentlar any opinions about the title.
2. Tha appraiser has providatl a sketch in this appraisal report to show the approximate tlimenaiona of the improvements.
Tha sketch is inGUtled only to assist the reader in visualizing the property antl untleretentling the appraiseYs tletertmination
of its size.
3. The appreiser has examined the available flootl maps that are provitletl by the Federel Emergenry Management Agency
(or other tlaTa sources) antl has ndad in this appraisal report whether any portion of the subject site is locatetl in an
itlarHiffetl Spacial Flootl Hazarcl Area. Because the appreiaer is not a surveyor, ha or she inekea no guarentees, express or
implietl, regartling this tlatertnination-
4. Tha appraiser will not give t¢sflmony or appear in court because he or she made an appraisal o! the property in question,
unless specific arangements to tlo so have been metle beforehand, or ae otherwise requiired by law.
5. Tha appraiser has notetl in this appraisal report any atlverse contlitiona (such as neetl<xf repairs, tla[ertoration, the
presence of hazartlous wastes, toxic substances, etc.) obaervetl tludng the inspedlon of the subjad property or that ha or
she became aware of during the research involvatl in performing this appraisal- Unless otherwise stetatl in this appraisal
report, the appraiser has no knowledge of any hitlden or unappareM physical deficiendes or atlverea conditions of [he
property (such as, but not IimiteH to, neetlatl repairs, tla[arioretion, the presence of hazarious wastes, toxic substances,
aWarsa environmental contlitions, etc.) that woultl make the property leas valuable, and has aesurtred that there ere no such
contlitiona antl makes no guarantees or wartantias, express or implietl. The appreisar will not be responsible Tor any such
contlitions that tlo exist or Tor any engineering or tasting that mignt ba required to diicovar whether such mntlltions exist.
Because the appraiser is not an expert in the fieltl oT environmental hazartls, tMS appreiael report must not ba consitleretl es
cep environmental assessment of [h¢ property.
6. The appreiser has basetl his or her appraisal report and valuation oonGUaion Tor an appreiael that is subjad to satisfactory
completion, repairs, or attarations on the assumption that the completion, repairs, or alterations d the subjad property will
be partormad in a professional manner.
~__~~._..__~_~.. ~n u.._..womc ~ mri rm.e.nn oon~~ anon 4 m a FanniaMaa FOrtn 1004 Merch2005
Uniform Residential Appraisal Report FIIeM 1:9663
APPRAISER'S CERTIFICATION: Tha Appraiser certifies and agrees that
1. I have, M a minimum, davelopetl antl reportatl Mis appreisal in accordance wiM the scoFre M work requirements stated in
this appreisal report.
2. 1 performetl a complete visual inspection of the intador end axtador areas of the subject property. 1 reported the contlition
M the improvements in factual, specific lertns. I identified antl reportetl the physical tlafidendas that could affad the
IWability, sountlnesa, or s[rodural integMy of the proparty-
3. I parfortnetl this appraisal in accortlance with the requirements of the Uniform Stentlards of Professional Appraisal
Practice that ware adopted antl promulgated by the Appraisal Stantlartls Boartl of The Appiraisal Fountlation antl that were in
place at the lima this appraisal report was preparetl-
4. I tlaveloped my opinion oT the market value of the real property that is the subjed of this report based on the sales
comparison approach to value. I have adequate comparable market tla[e to tlavelop a relirble sales comparison approach
Tor Mis appraisal assignment. I Turthar certify that I conaitlaretl the cost and income approaches to value but ditl not tlavelop
them, unless otherwise indicated in this report.
5. I researched, verified, analyzetl, antl reported on any currant agreement Tor sale Tor the subject property. any offadng for
sale of the subject property in the twelve monMa prior to the affective tlate M this appreisal, antl the prior sales M the subject
property for a minimum of three years prior to the affedive tlale of this appreisal, unless d:herwisa indicated in Mia report.
6. I researchetl, varifietl. analyzetl, antl raportetl on the prior sales of the comparable salsa fora minimum of one year prior
to the tlata oT sale of the comparable sale, unless otherwise intlicatetl in this report.
7. I selected antl usatl comparable sales that era locationally, physically, antl functionally the most similar to the subject property.
8. 1 have not usetl comparable sales that were the result oT combining a aantl sale with the contract purohasa price M a home Mat
has bean built or will ba built on Ma lantl.
9. 1 have reported adjustments to the comparable sales that reflect [he market's reaction to the tliflaraneea between lha subject
property antl the comparable sales.
10. 1 verified, from a tlislMareated source, all inTOrmatton in this report that was provitled by parties who haws a finandal interest in
the sale or financing oT the subject ProPertY.
11. I have knowletlge end axpertanoe in appreiaing this type of property in this marks[ area.
12. I am aware of, antl have access to, the necessary antl appropriate public antl phvata data sources, such es multiple listing
services. [ax assessment recortls, public lantl recortla antl other such tlata sources for the erect in which the property is loeatetl.
13. I obtained the information, estimates, and opinions fumishetl by other parties antl axprissaetl in this appraisal report from
reliable sources that I believe to ba true and correct.
t4. I have taken into conaiderefion the Tadore that have an impel on value with respect to the subject rxsighborhootl, subject
property. antl Ma proximity of the subjed property to etlvarsa irMUanoes in Ma tlavalopmeM of rnY opinion of marks[ value. 1
have noted in this appraisal report any atlvarsa contlitions (such as, but not limitatl fo, naedetl repairs, tlatartoradon, the
presence oT hazardous wastes, toxic substances, atlverea environmental contlitions, etc.) ob:sarvatl durtrp the inspedion of the
subject Property or that I became aware of tludn9 the research involved in perfortnin9 this ePPreisel. 1 have COnsltlared these
atlvarse Wntlitions in my anaysis of [he property value, antl have reportetl on the effect of tlia contlitiona on [he value and
marketability of the subjed property.
15. I have not knowingly withheltl any significant information from this appraisal report antl, to the beat oT my knowletlge, all
statements antl information in this appraisal report era true antl coned.
16. I stated in this appraisal report my own personal, unbiasetl, and professional analysis, opinions, antl conclusions, which
era subject only to the assumptions and limiting contlitions in this appraisal report.
'17.1 have no present or prospective interest in the property Mat is Ma subject of Mis report, and I have no present or
prospective personal interest or bias with respect to the pertidpanta in the transaction. I ditl nd base, either partially or
completely, rnY analysis antl/or opinion of market value in this appraisal report on the rata, iblor, religion, sax, age, marital
status, handicap. familial status, or national origin of either the prospective owners or occupssnta of the subject property or of the
present owners or occupants oT the properties in Me vidnity of the subject property or on eniy other basis prohibitetl by law.
18. My employment antl/or compensation Tor partortning this appraisal or any future or an[icipatetl appreisals was not
contlitionetl on any agreement or untlaretantling, written or otherwise, that I would report for present analysis supporting) a
pratlatarminad specific value, a pratlatartninatl minimum value, a range or direction in value, a value that favors the cause M
any party, or [ha attainment oT a specific result or occurrence of a spedflc subsequent event (such as approval of a Frentling
mortgage loan ePPlication).
t9. I personally praparatl all Conclusions antl opinions about the real estate Mat ware set forth in this appreisal report- iT I
relied on significant real property appraisal assistance from arty intlivitlual or intlivitluals iri [ha perfortnanca of this appreisal
or Me preparation of this appraisal report, I have nametl such intlividual(s) antl diactoaed the spactfc tasks parfortnetl in this
appraisal report. I certify that any indivitlual so Hamad is quelifiatl to perform Ma tanks. I have not authorizaci anyone to make
a cherlga to any item in Mis appraisal report; therefore, any change matla to this appreisall is unauthorizatl antl I will take no
responsibility for it.
20. I itlentlTietl the lentler/diant in this appraisal report who is the Indivitlual, organization, or agent Tor the organization that
oWered antl will receive this appreisal report
Uniform F2asidtential d4ppralsat Irceporc Ptt.. Eg66a
21. The lantler/diem maY diaGOSa or tlistribu[e this appreisel report to: the bon'ower; another lantler et the request of the
borrowep the mortgagee or its successors antl assigns; mortgage insurers; 9ovemmanl sponsoretl enterprises; other
secontlary market partidpams; tlala collection or reporting services; profeaslonel appraisal organizations; any tlepartment,
agency, or instrumentality of the United States: antl any state, the Uis[riG of Columbia, or other judstlidions; withom having to
obtain the appreisaYS or supervisory appreiseYS (if applicable) cOnsem. Such consent must be obtainetl before this appreisel
report may be tliadosatl or distributed to any other party (including, but not limited [o, the public through atlvartising, public
relations, news, sales, or other metlie).
22. I em aware that any tliadosure or tlistribution of this appraisal report by ma or the lantler/Giant may be subject to certain
laws antl regulations. Further, I am also subjeG to the provisions of the Uniform StendaMa G' Professional Appraisal Predicts
that pertain [o tlisGOSUre or tlistribuhon by me.
23. Tha borrower, another lender at the request o1 [he borrower, the mortgagee or its succes:sore and assigns, mortgage
insurers, govemmant sponsored enterprises, and other secontlary market partidpenta may rely on this appraisal report as part
xxf any mortgage finance trensadion that involves any one or more of thane parties.
24. If this appreisel report wee transmittetl as an "electronic record" containing my "electronic signature," as those terms era
tlafined in applicable fetlerel and/or state laws (axGUtling autlio antl video recordings.), or a facsimile trenamiseion xxf this
appreisel report containing a copy or represemation of my signature, the appraisal report shell be as atfeG[iva, erNOrcaable antl
valitl as iT a paper version oT this appreisel report ware tlelivaratl containing my original hentl written signature.
25. Any intentional or negligent misrepreaentetion(s) comainetl in this appraisal report may result in civil liability antl/or
criminal penalties including, but not limitetl to, fine or imprisonment or both untler the provisions of Ti[la 1B, United States
Cotla, Section '1001, et seq., or similar state lawa-
SUPERVISORY APPRAISER'S CERTIFICATION: Tna Supervisory Appreisar certifies and agrees than
1. 1 dirergly supervised the appraiser for tMS appraisal assignment, have reatl the appraisal report, and agree with the appraiser's
analysis, opinions, statements, conclusions, and the eppreisafs certification.
2. I accept full responsibility Tor the COn[ams oT this appraisal report indutling, but not limitetl tc~, the appraiser's aneyais, opfnions,
statements, xnnGUaions. antl the appraisaYS carttficetion-
3. The appraiser itlentiflatl in this appreisel report is either snub-oontrector or an employee of the supervisory appraiser (or the
appraisal finny, is qualifiatl to perform this appreisel, antl is acceptable to perform this appreisel under [he applicable state law.
4. This appraisal repoR complies with the Uniform Stantlartls of Professional Appraisal PreG:ioe that ware atloptetl antl
promulgated by the Appraisal Standards Boartl of Tha Appraisal Fountle[ion antl that ware in place at the time this appreisel
report was preparetl-
S If this appreisel report was trensmitted as an "elrctronic record" containing my "electronic sugnature,° es those terns era
defined in applicable Tedaral and/or state laws (axdutling autlio end vitleo reoortlinga), or a fiecsimile trensmission of [his
appreisel report containing a copy or representation of my signature, the appraisal report shall ba as agectiva, enforxreable antl
valitl as i1 a paper version of this appraisal report ware tlelivaratl corMaining my original hantl written signature.
APPRAISER SUPERVISORY APPRAISER (ONLY IF REQUIRED)
Signature ~~ / G • ~~
Name Aeon R. Ever - _.
Company Nama Ever AnOrdisals hc. -
Company Address P0. Box 742
Chanbersbure PA 17201__. __ _-_ _ ..-
Teleptone Number ]1]-267-9531 __
Email Address p9yer@mnicasLaet
Dale G Signature eM Repott /0NT/2072 _
Eflecirve Date G Appraisal 09I25I2072 ._
State Cettificalion # RL-000633-L _
or State License # __
or Other Slate #
State pp _.- "" _
E~piretion Date G CertRCation a License O6I30I2013
ADDRESS OF PROPERTY APPRAISED
APPRAISED VALUE OF SUBJECT PROPERTY $ 700000
LENDER/CLIENT
Name No AMC
CampanY Neme CharlssOCov _.
CompenY Atldress %Davitl P. Perkins Emare __
d Janes Citle ShiDpelsbure PA 1]25] ___
Email Atldress
~~~..._...... r,.-.". ~n..e.,... orvxc iron ve.~i.... Pmm1
Expiretion Dale G CerlRwtion or License
SUBJECT PROPERTY
0 Ditl not inapeot subject PrepeM19
Ditl inspect a#edor of sublet[ preP~Y from street
Dale of hspection
pitl inspect interior antl eMeda' of subject property
Date of Inspection
COMPARABLE SALES
O Did rrot inspect e#erior G compareble sales frem street
Did inspect e4edw o(campaniGa sales from sheet
Dale G hspection
Pnnw R of R
FanniaMaa Fonn 1004 Marsh 2005
Signature
Name
Compairy Name
Company Address
Telephone Number -_-_
Email Address
Date of Signature
Stets CertRCation #
or State License #
State