Loading...
HomeMy WebLinkAbout10-04-12 (2) 1505610140 REV-1500 ~` I°'-'°' PA Department of Revenue OFFICIAL USE ONLY Bureau of Individual Taxes INHERITANCE TAX RETURN County Code Year File Number Po sox 2eosol 2 1 1 1 0 2 4 3 Harrisbum, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYW D 5 6 5 6 6 3 2 1 1 2 2 7 2 0 1 0 1 2 1 6 1 9 3 3 Decedent's Last Name Suffix Decedent's First Name MI A D R A G N A L U C R E Z I A (N Applicable) Enter Surviving Spouse's information Below Spouse's Last Name Suffix Spouse's First Name MI A D R A G N A V I N C E N Z O Spouse's Social Security Number 0 6 7 4 6 5 1 1 9 THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW 0 1. Original Retum 4. Limited Estate Q 6. Decedent Died Testate (Attach Copy of Will) 9. Litigation Proceeds Received 2. Supplemental Retum 4a. Future Interest Compromise (date of death after 12-12-82) 7. Decedent Maintained a Living Trust ~ (Attach Copy of Trust) 10. Spousal Poverty Credit (date of death between 12-31-91 and 1-1-95) 3. Remainder Retum (data of death pdor to 12-1382) 5. Federal Estate lax Retum Required 8. Total Number of Safe Deposit Boxes 11. Election to tax under Sec. 9113(A) (Attach Sch. O) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONF~ENTUIL 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~ 6 6 First line of address 1 5 1 3 C E D A R C L I F F D R Second line of address REGISTER LS USE ~.Y ~ J ~ '~ r t co~ , L ~. ~~; - ~ 'FY ~i - 'C 3 - ri ' SC S !AC ~ .~, iV `'_:m r ~ o c~ ,~ City or Post Office State ZIP Code DATE FILED C A M P H I L L P A 1 7 0 1 1 Correspondent's a-mail a s: steve(cDfahnestockcpa.com Under penalties of that 1 have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true correct laration of preperer other Nan the personal representative is based on all information of which preparer has any knowledge. ~G TU P ESPONSIBLE FOR FILING RETURN DATE PO BOX 71f+1" WYNNEWOOD PA 19096 SIGN F PRE ER THAN REPRESENTATNE DATE _ Q ~7_[_w\'1~ 1513 CEDAR CLIFF DR CAMP HILL PA 17011 PLEASE USE ORIGINAL FORM ONLY 150561014D Side 1 15D561D140 J rt 1505610240 REV-1500 EX Decedent's Soaal Security Number DecedeM'sFlame: LUCREZIA ADRA6NA 0 5 6 5 6 6 3 2 1 RECAPITULATION 1. Real Estate (Schedule A) .................................... ..... .. 1. 1 4 4 9 3 1. 8 2 2. Stocks and Bonds (Schedule B) ............................... ..... .. 2. D . D D 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ... .. 3. 4. Mortgages and Notes Receivable (Schedule D) ................... ..... .. 4. 5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E). .... .. 5. 1 3 3 3 . 9 8 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested . .... .. 6. 2 1 1 9 3 5 , D 0 7. Inter-Vivos Transfers 8 Miscellaneous N n-Probate Property (Schedule G) ~ S Biki t R 1 8 1 8 2 3 6 D epara e ng equested . .... .. 7. , 8. Total Gross Assets (total Lines 1 through 7) ..................... .... .. 8. $ 4 D D 2 4 . 4 D 9. Funeral Expenses and Administrative Costs (Schedule H) ............ ..... . 9. 4 6 2 0 1. 6 1 10. Debts of Decedent, Mortgage Liabilities, and Liens (Schedule 1) ....... ..... . 10. 11. Total Deductions (total Lines 9 and 10) ......................... ..... . 11. 4 6 2 0 1. 6 1 12. Net Value of Estate (Line 8 minus Line 11) ...................... ..... . 12. 4 9 3 8 2 2 . 7 9 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. 4 9 3 8 2 2 . 7 9 TAX CALCULATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (ax1.2)x.o _ O. D 0 15. 0. 0 0 16. Amount of Line 14 taxable at lineal rate x .045 4 9 3 8 2 2. 7 9 1s. 2 2 2 2 2. 0 3 17. Amount of Line 14 taxable at sibling rate X .12 D. D 0 17. D. D O 18. Amount of Line 14 taxable at collateral rate X .15 D D D 18. D. D D 19. TAX DUE ......................................................19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT 2 2 2 2 2. 0 3 Side 2 1505610240 15D5610240 REVr1500 EX loge 3 Decedent's Complete Address: File Number 21 11 0243 DECEDENTS NAME LUCREZIA ADRAGNA STREET ADDRESS 1211 MEADOW LANE CITY STEELTON srarE PA zIP 17113 Tax Payments and Credits: 1 • Tax Due (Page 2, Line 19) 2. CreditslPayments A. Prior Payments 20,000.00 B. Discount 1,052.60 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) 22,222.03 Total Credits (A + B) (2) 21,052.60 (3) (4) 0.00 (5) 1,169.43 Make check payable to: REGISTER OF WILLS, AGENT ,~ ,~:. ~ :ar ~ t' 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 Vansferred or its income : ............................... ^ c. retain a reversionary interest; or ................................................................................................ ^ d. receive the promise for I'rfe of either payments, benefits or pre? ....................................................... ^ Q 2. If death occurred after December 12,1982, did decedent transfer property within one year of death without receiving adequate consideration? ....................................................................................... Q ^ 3. Did decedent own an 'in trust for or payable-upon~leath bank account or security at his or her death? ......... ^ ^X 4. Did decedent own an individual retirement aixount, annuity or other non-probate property, which contains a beneficiary designation? .................................................................................................. ^X ^ 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 decedents siblings is 12 percent p2 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. REJ-1502 EX+x(01-10) Pennsylvania SCHEDULE A DEPARTMENT OF REVENUE REAL ESTATE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: LUCREZIA ADRAGNA 21 11 0243 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 jointlyowrred with right of survivorship must be disclosed on Srd-edule F. Attach a copy of the settlement sheet'rf the property has been sold. ITEM Indude a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE NUMBER OF DEATH DESCRIPTION 1. 1211 MEADOW LANE STEELTON PA 85,000.00 DECEDENT WAS SOLE OWNER OF PROPERTY SEE ATTACHED APPRAISAL 2. INSURANCE PROCEEDS FOR HOUSE DAMAGE RECEIVED AFTER DATE OF 59,931.82 DEATH. TOTAL (Also enter on Line 1, Recapitulation.} I $ If more space is needed, use additional sheets of paper of the same size. RE~-1504 EX ~ (8-98) SCHEDULE C CLOSELY-HELD CORPORATION, COMMONWEALTH OF PENNSYLVANIA PARTNERSHIP OR IN RES DENT D EDENT SOLE-PROPRIETORSHIP ESTATE OF FILE NUMBER LUCREZIA ADRAGNA 21 11 0243 Schedule C-1 or C-2 (indudirg aN supporting infomution) must be attadled for each dosey-held corporatiodpartnership interest of the decedent, other than a sole-proprietorship. See insWdions for the supporting infomwtion to be submlttedforsote-proprietorships. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. 330 SHARES OF COMMON STOCK OF 433 MARKET STREET, INC MENTIONED IN ARTICLE IV OF WILL WERE DISPOSED OF IN 2003. TOTAL (Also enter on line 3, Recapitulation) S (If mon: space is needed, insert additional sheets of the same size) RES-1506 EX+ (11-10) pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, 8- MISC. PERSONAL PROPERTY LUCREZIA ADRAGNA 21 11 0243 InGude the proceeds of litigation and the date the proceeds were Teceived by the eshate. All property jointly owned wdh right of survivorship must be dlscbsed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. SWELLS FARGO CHECKING ACCOUNT NUMBER 1014140725861 241.23 2. MEMBERS FIRST FEDERAL CREDIT UNION 1,063.63 CHECKING ACCOUNT NUMBER 325047-11 3. MEMBERS FIRST FEDERAL CREDIT UNION 10.93 SAVINGS ACCOUNT NUMBER 325047-00 4. FUTILITIES REFUND ~ 18.19 TOTAL (Also enter on Line 5, Recapitulation) I ; 1,333.98 If more space is needed, insert additlonal sheets of paper of the same size RSV-1509 EX4 (01-10) Pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE F JOINTLY-OWNED PROPERTY ESTATE OF: FILE NUMBER: LUCREZIA ADRAGNA 21 11 0243 Han asset was made jointy owned within one year of the decedenPs date of death, it must be reported on Schedule G. SURVIVING JOINT TENANT(S) NAME(S) A. B. C. JOINTLY-OWNED PROPERTY: ADDRESS 9 DARTMOUTH LANE RICHBORO, PA 18054 TO DECEDENT REM NUMBER LETTER FOR JOIN! TENANT DATE MADE JOINT DESCRIPTION OF PROPERTY INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR IDENiIFVING NUMBER. ATTACH DEED FOR JOINTLY-HELD REAL ESTATE. DATE OF DEATH VALUE OF ASSET % OF DECEDENTS INTEREST DATE OF DEATH VALUE OF DECEDENTS INTERESI 1. A. 1993 4701 LINDLE RD HARRISBURG PA 423,870.00 50. 211,935.00 ASSESSED VALUE $298,500. DAUPHIN COUNTY COMMON LEVEL RATIO 1.42 TOTAL (Also enter on Line 6, Recapitulatlon) I S 211 935 00 If more space is needed, use additional sheets of paper of the same size. [ I REV-1510 EX+ (OS-09) Pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE G INTER•VIVOS TRANSFERS AND MISC. NON-PROBATE PROPERTY ESTATE OF FILE NUMBER LUCREZIA ADRAGNA 21 11 0243 This schedule must be completed and filed'd the answer to any of questions 1 through 4 on page three of the REV-7500 is yes. ITEM NUMBER DESCRIPTION OF PROPERTY INCLUDE THE NAME OF THE TRANSFEREE, THEIR RELATIONSHIP TODECEDENfAND THE DATE OF TRANSFER.ATTACHACOPYOFTHEDEEDFORREALESTATE. DATE OF DEATH VALUE OF ASSET %OFDECD'S INTEREST EXCLUSION pFAPPLIGgBLEj TAXABLE VALUE 1. GIFTS TO GRANDCHILDREN WITHIN ONE YEAR OF 3,000.00 100.00 3,000.00 0.00 DATE OF DEATH 2. JACKSON NATIONAL LIFE INSURANCE ANNUITY 131,359.26 100.00 131,359.26 CONTRACT NUMBER 009021317A 3. COMMONWEALTH FINANCIAL NETWORK 50,464.34 100.00 50,464.34 IRA ACCOUNT NUMBER HDM-038946 TOTAL (Also enter on Line 7 Recapitulation) I S 181 823 60 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 1 2. 3. tst nt t ur FILE NUMBER LUCREZIA ADRAGNA 21 11 0243 Decederd's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. HOOVER FUNERAL HOME 9,695.00 2. OUR LADY OF CZESTOCHOWA -GRAVE AND OPENING 5,153.00 3. KULENSKI MEMORIALS 2,000.00 4. ELITE COACH -TRAVEL TO BURIAL SITE 600.00 5. OUR LADY OF CZESTOCHOWA -FOOD FOR FUNERAL RECEPTION 824.00 B. 4. ADMINISTRATIVE COSTS: Personal Representative Commissions: Name(s) of Personal Representative(s) Stiee4 Address City Year(s) Commission Paid: State AttomeyFees: SCOTT M DINNER, ESQUIRE Famiy Exemption: (If decedenCs address is not the same as daimanl's, attach explanation Claimant Street Address City State Relationship of Claimant to Decedent SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS ZIP ZIP 6,480.00 Probate Fees: CUMBERLAND COUNTY REGISTER OF WILLS 389.50 5. I Accountant Fees: STEVEN W FAHNESTOCK, CPA I 1,825.00 6. I Tax Retum Preparer Fees: 7. ROBC LIMITED PARTNERSHIP - BENTCREEK NURSING HOME 15,671.96 8. ROSA'S TEAM -HEALTH CARE ASSISTANCE 1,138.50 9. PENN WASTE -TRASH REMOVAL 116.50 10. WEST SHORE EMS 1,172.02 11. CUMBERLAND LAW JOURNAL -LEGAL ADVERTISING 75.00 12. PATRIOT NEWS -LEGAL ADVERTISING 123.38 13. ALERT PHARMACY SERVICES 266.75 14. APPRAISAL FEE -HOUSE 350.00 15. SWATARATWP-SEWER 189.00 16. DAUPHIN COUNTY RECORDER OF DEEDS 132.00 TOTAL (Also enter on Line 9, Recapitulation) S 46 201.61 I(more space is needed, use additional sheets of paper of the same size. REV-1513 EX+ (41-10) pennsylvania ~ SCHEDULE J DEPARTMENT OF REVENUE I BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: LUCREZ IA ADRAGNA 21 11 0243 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 outrigh~spou ),distributans and transfers under Sec. 91 6 all 1.2. 1. GIOACCHINO ADRAGNA Lineal 23,872.91 1824 BLACKLATCH LANE MIDDLETOWN PA 17057 2. ANTHONY S ADRAGNA Lineal 20,872.91 2 ALDANS WAY NEWTOWN PA 18940 3. LUCIANO S ADRAGNA Lineal 258,040.08 9 DARTMOUTH LN RICHBORO PA 18954 4. ROBERTO ADRAGNA Lineal 191,036.89 PO BOX 744 WYNNEWOOD PA 19096 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 T HROUGH 18 OF REV-1500 COVER S HEEP, AS APPROPRIATE. II. NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. j n mule spool is neeoea, use aaalaonal sneers m paper Dr me 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: 20.000.00 Discount: 1.052.60 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 throw h 2012 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: ~ ~~ CQ .-•- r n rn LAST WILL S-D °'~'° ~ -i ~'' f.J .~ ='" ~=~ i 'J ~ ~ ~' i7i 4 z Tom? _ C% ~~°, c ri --- ~_i . ~ w c-' c -~ -- o =- LUCREZIA ADRAGNA `~~ ~_ ~`~ -i ~,.~ p r i r~ I, LUCREZIA ADRAGNA, presently of 1211 Meadow Lane, Steelton, Dauphin Pennsylvania, declare this to be my Last Will hereby revoking all Wills and Codicils made by me. I declare I have four sons now living: Gioacchino Adragna, born January 19, 1960, S. Adragna, born March 20, 1962, Luciano S. Adragna, born March 1, 1965, and Adragna, born July 20, 1969. ARTICLE I Payment of Debts/Exoenses: I direct the payment of my legally enforceable debts the expenses of my last illness and funeral, from my estate as soon after my death as may be without regard to any statutory limitation thereon. ARTICLE II Personal and Household Effects: I give certain items of my household furnishings tangible personal property to my children and grandchildren in accordance with the terms of a memorandum which I have prepared. I bequeath any such property not disposed of by such ;uEE M. Dinner AHerne, sl l..w <.,y Cw,K - S~c~ 20l ,.niea6..~, QA 17055 .(717/691-7"014 or all of such property if the memorandum is not located or received by my Personal (Representative within sixty (60) days after taking office as such, to my children who survive me, in (shares of substantially equal value as determined by my Personal Representative. f i -2- ARTICLE III Real Proaerty: I give any interest I may own at my death in the real estate located at 1211 Meadow Lane, Steelton, Pennsylvania, to my son, Roberto Adragna or his issue, per stirpes. the event my son, Roberto Adragna predeceases me leaving no issue, I direct that the devise given to him shall be made to my granddaughters, Julia Adragna and Alexandria Adragna. I give any interest I may own at my death in the real estate located at 4701 Lindle Road, Pennsylvania, to my son, Luciano S. Adragna, per stirpes. ARTICLE N 433 Market Street, Inc.: I give my 330 shares of the common stock of 433 Market Inc. to my son, Gioacchino Adragna, per stirpes. ARTICLE V Residuary Estate: I do give and bequeath the rest, residue and remainder of my both real, personal and mixed, of whatsoever kind and whereinsoever situate to my sons, stirpes. ARTICLE VI Minor Beneficiaries: If any bequest or devise or portion of my residuary estate is to off. M. Dinner 9Hornc7 sl Lew ce7 Court -Suite 201 .ace.b..,E, P.~ 17055 .1717) 693_7314 received by a beneficiary who has not attained age twenty-one (21), then my Personal need not, in his discretion, require the appointment of a guardian but shall be to deliver such share to (i) the person having custody of such beneficiary; (ii) such -3- without the intervention of a guardian; (iii) a legal guardian for such beneficiary if one already been appointed; or (iv) a suitable adult person under the Uniform Transfers to Minors ARTICLE VII Personal Representative: I nominate and appoint, my son, Roberto Adragna, of Morrisville, Pennsylvania, to serve as my Personal Representative. In the event of the resignation, renunciation or inability to act of my son, Roberto Adragna, then I appoint my Luciano S. Adragna, as my successor Personal Representative of this Will in his place and (stead. ARTICLE VIII Fiduciary's Performance and Powers: No fiduciary under this will shall be (required to give bond or other security for the faithful performance of the fiduciary's duties. Any such fiduciary shall have the following powers, in addition to those given by law: 1. To retain any property, pending distribution hereunder, to invest in or purchase any property without restriction to legal investments for fiduciaries, to distribute property in kind, to compromise claim~s~rand to sell any property at public or private sale; 2. To hold shares of stoc~6r other securities in nominee registration form, including that of a clearing corporation or depository, or in book entry form or unregistered or in such other form as will pass by delivery; coE4 M. Dinner AHe(~rnry at L... f~!~ KL)' L9V n - SY~ti L V 1 bmicc6Y,E, FA 17055 6.(717) 691-731-0 3. To engage in litigation and compromise, arbitrate or abandon claims; 4. To make distributions in cash, or in kind at current values, or partly in each, allocating specific assets to particular distributee on a non-prorata basis, and for such purposes to make reasonable determinations of current values; 5. To make elections, decisions, concessions and settlements in connection with all income, estate, inheritance, gift or other tax returns and the payment of such taxes, -4- without obligation to adjust the distributive share of income or principal of a any person affected thereby; 6. To borrow money from any person including any fiduciary acting hereunder, and to mortgage or pledge any real or personal property; 7. To manage, control, repair and improve all estate property; 8. To procure and carry at the expense of the Estate, insurance of the kinds, forms and amounts deemed advisable by the Personal Representatives to protect the Estate against any hazard; 9. To employ any attorney, investment adviser, accountant, broker, tax specialist or any other agent deemed necessary in the discretion of the Personal Representative and to pay from the Estate reasonable compensation for all services performed by any of them. With respect to the employment of an accountant, I desire that my Personal Representative engage the firm of Charles F. Sullivan, Certified Public Accountant, presently located in Camp Hill, Pennsylvania. ARTICLE IX Death Taxes: I direct that all inheritance, estate, transfer, succession and death of any kind whatsoever, other than any generation skipping taxes, (including any interest and thereon), which may be payable by reason of my death with respect to property passing this Will, shall be paid out of the property giving rise to such taxes on an incremental tax ARTICLE X Protection from Improvidence: No interest of any beneficiary under this Will or :otf M. Dinner Attorney et Lew +Kr Co.,,e . S~~r< 201 ~snicsduq, PA 17055 ,. (777) 691_7314 lany codicil hereto shall be subject to anticipation or voluntary or involuntary alienation. -5- ARTICLE XI Invalidity; If any provision of this Will or of any codicil hereto is held to be invalid or illegal, it is my intention that all of the remaining hereof shall continue to be operative and effective so far as it is possible and reasonable. IN WITNESS WHEREOF, I have hereunto set my hand and seal and caused this LU ZIA ADRAGNA Residing at SY~ N.~ ~~,~ cwt _ ` ~L4nn~~ood~ ~A I9o9G :.._. Residing at ~-~~+~.s..;~ ~. o~ M. Dinner /~ Setae, .i L... ~ jj «ca„R_sa:+<sol Residing at ZZ T~ wdso~ ,~~ .nGedw~y, PA 17055 ^" (7171691-7314 ~C~~f., -Ytt ~7Q33 Last Will, consisting of seven (7) typewritten pages, including the attestation clause, to be cuted, declared and published this ~~ ay of March, 1998, at Camp Hill, Pennsylvania. -6- ACKNOWLEDGMENT ~TWEALTH OF PENNSYLVANIA: OF CL';wIBERLAND SS ti I, LUCREZIA ADRAGNA, Testatrix, whose name is signed to the attached or ;going instrument, having been duly qualified according to law, do hereby acknowledge that I -ed and executed the instrument as my Last ~Il; that I signed it willingly; and that I signed it as free and voluntary act for the purposes therein expressed. vim! ~~~9r-- LUCREZLA ADRAGNA Sworn or affirmed to and acknowledged before me, by LUCREZIA ADRAGNA, this J~day of March, 1998. ~~ ~~ Notary Pub is Notarial Seal Dawn M. Boyer, Notary Publ~ New Cumberlarxf 9oro, Curr~erland County My CoMfnixtton ffxpires Dec. 15, 2001 MOmDet PennuYN~nIA ~+ppn,gt~en QI NOtaAt166 CoEE ~. Dinner Herne, el l.e. eery Court -Suite 201 hen;o,b~R, P.4 17055 h. (7171 691-7314 -~- AFFIDAVIT TH OF PENNSYLVANIA: OF CUMBERLAND SS. -~~o~..~ 4U. ~~,.o~ ~..({ the witnesses whose names are signed to the attached or instrument, being duly qualified according to law, do depose and say that we were and saw LUCREZIA ADRAGNA sign and execute the instrument as her Last Will, that she willingly and that she executed it as her free and voluntary act for the purposes therein :off M. inner Aeear,.~, .t L.» rrr G„,~ - S~~ti 201 ~..,i~.b~.y PA 17055 .(7171 691-731-0 l expressed, that each of us in hearing and sight of the Testatrix signed the Will as witnesses and that the best of our knowledge, the Testatrix was at the time eighteen or more years of age, of sound ind and under no constraint or undue influence. Sworn or affirmed to and acknowledged before me, by ~.I1 G'a no ~rt~n~ J > C.h~)~s '~ S~ll,~~.rt ,and 5-1-E-•ren ~J. ~1.,~es~o~.~..this I~dayofMarch, 1998. ~~`^~'-~ Notary Public Notarial Seal Dawn M. Boyer, Notary Publk Vew Cumberland Boro, Cumberland County My Commission Expires Dec. 75, 2001 Mpmpar, Pt7rlnRyWSni® Ai~00lA}10f14f NOtR11Pi ~08/13J2012 15:59 717-761-5008 YN RE: ESTATE OF LUCREZIA ADRAGNA SCDTT M DINNER, ESQ. PAGE 01 IN THE COURT OF COMMON PLEAS . CUMBERLAND COUNTY, PENNSYLVANIA , ORPHANS' COURT DIVISION No. 2211.-0243 FI FC?70N to T,AgE U1YIaL~"R WILL I, Vincenzo Adragna, surviving spouse of Lucretia Adragna, deceased, who died an December 27, 2010, Ieavixtg hex Last Will dated March 12, 1998, and duly probated in the Office of the Register of Wills in and for Cumberland County, Pennsylvania, hereby elect no[ to take any share of said Estate that would otherwise be available to me pursuant to 20 Pa. C.S.A. Section 2203. I have been advised of my elective share rights and understand that as a result of my election not to take any share of my spouse's Estate, I will have no right, title or interest in or to her Estate. IN WITNESS WHEREOF, I have snbacribed here~mto this ~7 dsiy oPMarch, 201X. Witnesx: Vince Adragna 08/13/2012 15:59 717-761-5008 .i SCOTT M DINNER, ESQ. PAGE 02 ACKNOWLEDGMENT COMMONWE '~H aF PENNSYLVANIA) COiIN'TY OF $ ) On this, the day of Match, 2011, before me, , the undersigned officer, personally appeared Vincenzo Adragna, known to me (or satisf~c- totily proven) to be the person whose name is subscribed to the foregoing Election, and acknowledged that he executed same for the purposes therein contained. r pu ~__GNwEALTH F PCNNSYLVANb NCIT!~RIAL SEAL MARY M. WErwER-NQTARYPUBClC MORRISVIL« BOR2, FUCKS COUNTY MY COMMISSiGN L-XP:';,:S NOV, Ob.3011 Ceara! Dauphin Schaal District_ ~ - ~~oM~~Ir" ~ p~w~ _ ,~ ^ DAWN`N COaITT. PR ~ °°''"°° R MBJT OT REVEMJE alAtiY e `~?~clrtx ~1ALE3 I O:OO ^ Q ux~QOtnrez ®B T Q OO o r.^ III•e i I ~ ~ ~. r~ 11 ,y E DaDOhtn Gmnty, ~eaNryhaN4 I/2$ Raal EstalatTTmfe TtN ~ ' F~M1m ~ • f . Ne. 536 - CMlac' g gegt PEE•BiYPLE DEER-1}pewrlle~ ~~~~ ~xtbP~tt~~e,. ~~ ~~~ . ~ ~ day o/ ~~ ~ 1^~tbe gar s/ err leM Awr 1,. f~}ior•ard NMe 7Jrwdwt ewA ~ght~xtilO (ig82) - - i ~etWPPn ~~ Je Y1LL'rA1~I6 t1YL LO Alf Te YTTT.T111Ae hie Mite, et Cape llev Ce+mt~, lbr Jerae7, 8raatoss, parCies et thO first part, LIID LDC$$Z1 Adragna, carried Me1an, et E~oo1<],ya, asM Rorke eraatse, partT _ •1 fAt .ere^d~perl. ~titts$$r11~ fbt IAa eaape.! iN eJ tie flyd pert, ter •ad le oo^•Ne»tlw ~. of t-e erw of D~ (~~~) Uo((ot; frtefw tneaey of tie UwltM 81eM! of dmerioe, tall awd lrafy paid iy the ntd part ~ of µ. .eased part to the soli partite et tAe Jlraf pert, at e~td brjwe tie •eeliay oad dsRrerp of lhe+. pruebH, the receipt xbereoJ 4 lereby seMnoefedyed, hale Mated, baryeined, eoW, a11rneM, MJeeJfed, n(eaerd, osaeaped and ewtl(luad cad 6y tAaN prprea4 de . grant. bnryein. •rt(, d/nt, rnjrnll. rsltaa, 001tiey, and conffrnt aetb tb6 Bali par! ~ y 14 •eeoed p•r!, her ' - tetra and a{elpne. s'~(j TSrtiT CERTtIS treat or parcel of ielnd situate is tie Tornship of Brattrat, Deatphin CoaatJ, l'enaaTivanis, wore partiaalariT boaaded , and described. as tolioxs, to Mits ' BFX:IB1lIIPfi at a point oa the asathsrl~ line of atsador Lane at the dividing line betMSea Lot 3e. ~9 en the hsreinatter aeationed pica o! lets and the praxises herein dsssrlbsd; thence along said line of Meador Lsae north serentT-nine (~9) degrees eighteen (18) ainatu sego (o) aeoonda .eat a dsetaace of eighs,~ (eG) feet to a point .t the dividing line betvean Lot 90. 81 on the hersiaafter sentioned plan o! lots sffi the preaiasa herein described; thaaoe along said 11aa j ' ~ east 338 ra~241 i .. ~ _ south siz (6) degrees trsntrti~e (25) siaatss saro (C) saooads east a diatanaa of tno huadred three and fiStT-tear us-haadssdtha C203.$4) feet to a pout= thaaaa soath sightT-tro (82) degrees sa-eatesn (17) mantas trcntlwcvaa (27) seoands neat a diateaaa et sgent~-nine aiad OightT one IInadrsdths Cqg.~) fast to a point; tha~aae aloa6 the ditidiag line brat above acatioacd noreh six (6) degrees tremt,7~tiw C2$) ainntos sera CO) acaonds wset'a distaaos of Oae handred niastT.aiac and tEirt,~-sa-an oas-l-m-dt'OdtLs C199,37? feet to a psiat, the yoiat of BS~~G.. . 8ffi6 7~ot 1o.'~C, ecetioa `E', Plan of 8ainbor Devclopacat, r41oh plea 3s reocadcd is Dwaphia Oo~ty P1aa.Books •1", 9olmM 1. Page 95 and •B•, Yoia=a 2, Pagc 8, and having crested thereon a aiaglc fatailT drslliag hoasc Imora snd mubarcd u 1211 Meador 7ra~, ' ' HarrisbnrQ, PcnnsJlvaaia. 'Bse Within description ru prcpered trou a sm~veJ of Eobsa~t G. ~crriak, Esglatered $ntsgor, dated gcptesbcr 16, 1976. 03DE@ 1~ SIIBJBL'4 to all applloablc rsatriotloms, rascr*ations, caaaaaats anQ righta-ot~rq of resord. ~IIiG the samc prcaias rhioh 8oa0st0ad Bcrrlos Corporation bT decd dated Ipril 27, 1977 cad raaordod in the Dauphin OoaatT 8aoordar Ot Deeds Ottiaa in Dccd Book ~_. Yo1nRC ~_, FaQc ~~. graatcd and noareTcd unto Bobcat T. Y3111au aad.Ln Loa T. Milliw, his Tito, GTSators hestiia. - ..., zngrt~Pr .w~ at ..d r{wyulw, for tta.ats>tr., heredlteatrut: oaa .~P.~ler.,,ot- ro the ma.e tvleaglay w he saywire oppertataiat, •^d the reoereter sad teerrrioay rsateisds and rtwaMdw~, rsaty tesaer, and proJlte l+er~eo~i s',Ita [}t1D ail the Moty runt, -tally tatrrlyt, Property. Nsier Mid dMnoad rrhettoersr, tatk to Ipo cad sw,ity, of the mid port ie~ of i+a Joe! pore, e}, ta, ro or ort of the mid prenttrr-, sad etwy pert oed pweN lherreJ - - - (~11 ..k$ut tttt~1 t0 4tAI+! - thr mtd Pre,ateer, rotth eu end Naparw t+. epp.retrwneer, ear.. tM mid part 7 0} the reooad port, her heir. Brut octane, b cad }w the only preps, _ rue atd hehoJJ of tls mid port 7 of thr Neosd part. her heirs sad aeeiaar }ereror, ~q~ ~~rna adn, parties o! the first part, ter theuelTSS, their i .. i~ +eby aset~ton awd adM&t.hatory da ~ by thee. rrrraab, eaoreeal, aroet cad agree to cad - tetth tns mY t+~ 7 of the seoead pert, her heire ase eeriane, the! thtt7s one .eta parties of the brat part, their ';. ':; :'i. i. +etn all ena riaatMw the hereditsnuwG eat preaNee. Asrdaehaw dsrortbed aad arenlea w men!{onat. • . ":. sad ietnrded m to +e, tottA opprrteaaecee, ants the mid part? of thr eeoead port, her ... +etrr os<d aeetaae, syaine! eke mtd part Leh 0} the }irsc part one their heiri'.ettd -oaataN etl'_: ~ ~ . sad eoery ethre' Parma w perroae mhomeocuer, IstrJally Noimiay~ or to eloiM the esar nr.rny purr.: . v'°r'•ol. ~ anal( and tool, +y !Acre prsreeee, WdRRdNT ANIt PDS~ tdVER DBFBBD ~n ~itnrss ~hrreaf tee mw pwtiea. o} thr }i..t prrt hatla j +ara.atto set their +o,rdf cad emr ~ r+s der rat ye.r J1(~etoahaw tasttlea. - .... .............:. ~.......... .. ...................... (BEd L) . '. . BiQaeaq ttwea i.eted iIIXIT'L7~w~A fCR.aK.Y.:C: '('~vEdL) I • ....:...................:......._......................._............ (SEAL)' I :..................._......................_....................:..... (REAL, ........................................................~............... ,HEAL, ........................................................................ (SBdI,) ....._ .............:..............e......_.................................. (SBA!.) ........_ ..............._ ......._ (SSdL- .........._ .............__...._.. .......»......... t ................................._..............................._..._...... ~ - ....... ISddLI .. sornc 338 X243 ~. _ _._ __-- T t :, 1 ,. REVd[3 TD V•wt REALTY TRANSFER TA%' FOR RECORO[R's EONLT COMADN[lkLTNO~PD-'i NNfTLTANIA iDOR NWI/lR [lPARYM[NT OP RlT[NUE AFPlOAV1T OF VALUE rApE NUM[ER NRtAY Or -IEID OPlMTMNIS OAT[ REOD[D[b ' ' COYPL[TE A97LICAALE SECTIONS 111 NLL AIM PILC IN DUPLICATE 111TI( RlCORDER ~Di DEEDS RNEN pTTNE FDLL CDNS(DERAYMN fl MOT SEf fORTH IN TN! DIED, (?I THE TRANfPlM (i RITNOUT CDNSIDLRATIOM OA A6IPT, OA (A A TAY l1tWPT10N IS CLwtYE0. REPER SECY. [, ATT ACT DF DlC. D MSI, P.~t2 AS AMEIIDEDI ~ _ [~i7ii ^ p'~[Cf~ ' SECTIOl11 (COMPLETE FOR ALL TRANEA 'IONS) OIIANTOAIR ~1~ ~ *`_.E55 21/LOO[ In30rRSiu AdaRII4a Harria~u~g, YYP4WW oRwNT Ce iR wDDReu zlr wDE LOCATION Of LAMO, TlNEMENTf AND NERlOITAMENTS; T?1T ~RB~OY ~s $6TII~6DY!$ (~Ilitd2'R 1bYOi1>3~ ~@~'1L 11.6 1TRRi \ NUMBER DE DCCT N''ER OtfCMrT10N NwNR Of LDCNL ODT[RNN[NTAL uNlt COUNTY - PULL CONSIDERATNIN f.Y~•~~ NiDNEST ASSESSED VALUE 3 PMR MARKET VALUE 3 REALTY TRANSFER TAX PAID S 6~ AEA30/1 (S) AND C TE PORT ON Of LAMSFER IS PARTIALLY OR WNOI:LY E%EMPT, SNOM AMOUNt EREMPT, IP TNIS IS A TRAMSfER PROM A STRAW, AGENT OR TRUST AGREEMENT, GOMrLETE ~Ne RC TERa[ SIVe- SECTION II (OOMPLETE ONLY IF PROPERTY MAS SUBJECT TO LIEN OR MORTGAGE AT THE TINE OF TRANSPERI' .. E%ISi1N6 MORTOAGCI f DISPOSITION MDRTDASec wDOReu cs >a ro EAISTING MORTGAGLI S DISP051710N ~` 1^ m +- 7 NORTOwotE ADWIetR '~ ~~ • tym EAISTIN6 LIEN OR ORLIGATIONI 3 DISPOSlT10N ,.._. T, a ~ ~ ° ~S ` ZC) N H ( ~ 7V l1ENNDLOER wOORRU ~ ~O QO E%ISTIN6 L{EN OR ORLiGAT10N1 3 DISPOSITfDk .'~• _a~ T..._ .~ K awe IA ~ L1[NNplOE4 AObRERT SECTION 111 (COMPLETE ONLY IF TRANSFER IS RESULS OF JUDICIAL 3ALq OFPKML CDNOYCTTNO SALE MANE ADDREy6 TI TI[ SUCCESSPYL A16DER N.MR wDDReiS TI TLi 1U- 0 Uf [/D P[IC[ NICMy S~`iEfi![ 1 110R LRNS ~ { `` l1O PRICE. 'tte.~; `.{7:r.: `?'~"~ :_T: 3 .' .r..•~ay{..iifi'•S'ri ~~y1 /RIOR REGORGED LIEN : -RUS R[ ED 110RTDACE ~ ~yy..•',..,~:.~;,"~:. _i'A~ ~`: ,.., ...n.,: ~ e E11A ! T - S e•.;y` _ 9.rar•,aty.g~;, ~.9n`` ~ 4:+~ ~ OTN[R COS ETC./ S 3 s At1, .'~ ~'=fi:'-•r: TOTAL S S NOT[1 CALCULAT10115 MUST DE SNOR11 41 ALL COLUYNf. ~ ~ ry 'N N„y r ~~~~t~ v~ • ~~ .LL OF THE INFORMATION ENTERED ~~. „f~ R ~t(~•REA 6 ORE ME TN S ON [OTN SIDES OF TNIS AFFIDAVIT i5 •• ~ - . p.> T ~~ TRUE, FULL AND COMPLETE TO THE ,f..~~ c - {SAIGVP {9 [EST OF YY RNOPLEOC E, INFORMATION ~ r ru AUC - F_ ~~.ito ION ~R~IR[f 19__ ^ GRANTEE AGENT POR ORANTlE "~+M>~~/ ~I(S ~ ( . y .;,. 4 ~ ~ ~ GRANTOR ~ AGENT POR GRANTOR ~ .. r , (,JUDITN A OOIWI A4S. W1W P1Ai1C '~ 24~'srRAw ^Twus7tE 338 F,orf ~,~.:1~w^.:~~`,~,9E, soy( ,i . I mrnonvealth of PeanrylvatHa ~ ' ~~_.W~ itr: i COi/lf7'T oP : ~~P1~ALn.x.x:x.W.,._ p~ I Oa L!/~, lie~.`W'dfwrw~.«... Lq ef ...«.~~`~'~]rx......«...«W..WxWx.. !>~.~a.., CrJe-e wr !. xxxW~~ ~1~. __•x_ ~ xY«WYx.,,WNxWxx.,,..1 tiI •a~N~fd ells-.Po+roles[tyspp~red_~...tta.x~.A4A~~x'~aW~w..~.A.x1~R ' x....«.....°^__ _ xWxx.««.....»...x.W.»W_W«Wx_ _W_.:..._.» x...„._.__ _.xxxW »«......_' ' .xxW «W..W«x.x«WNxwMUx...«W.....xx. .xx WxWx..x....rnx.u.....wr... x...«.....wMx.x...x_w« ..,,,,,,,.rn ~ Aaenwtoae (rratttfsotortlypdrrrwy.tobelbepsrrsle #...xW««.. mAore asae#..AId:A,« rubrrribsL to' tAe enttAiw tnelrnineat, and ecknes;fedgrd that ..___.~ Ae ~.x,.,«., eeeouterl Ike tsar (er tM parpotr - Meretw tefet6inod. ,,nrwm....~.. j /X 1%TN&48 191/SR/10F, ! Arresstr ttt ag kasd oar of;I is ~/ag'=~ 'a, '[~!s i . - uy coas~lnlo~ •esp;rt,~.~U.~.i`-~S?'-, ..••«. ~:, / Aereiy rertif) tAet tAa /'reeGe Ruidtste st Irr Qrastte, fa'~~r ~~~~.. ,,,xI21~ 1!11~~ ~tPP_~~ e"' r/6iF/ ~~"~kl ~+~ r !f ..Wx...x.._...._.~53~'~P.A97'B.r.x~~RIIAIAj.~J~l17p~d1.~....x..x1.~~!~.~5~•"S~=p_ t„yj~;~'.¢r• ~ W N ).. ~' a0 F.. ~ ..~....._..... .: _ _.: ~ _. Attoraq for Onatee. ` ~~ ~ ' ` ~ x {+ ~y N V2 ~ `~ o w ~ _ = yu~ ~ CO M tl -... ~ i t ~ ~ ~ i I ~ ~. u ~ rti OW flV NS ~ € ~ i i }~ + ii + rt ~ ~ ' s 1y ~ .i a~ i i i oo < ~ S a i ~ ~ ~ $~ ~ a~ ~ ~ '• ~ ! ~.a ,~, i~ ~~ , j~ 1~ ~i H ~ € ~ ~ ~~ ~ ~ ~ ~ a~ a4r [ ~ t4 = t f ~ d _ n' _ s = ~ ~ ~ ~ ~ ~ S .~ i o Pies ~ A ~ ~ A '~ j ~ d 1fL02~WRdlB'S ~ OT PRNN6YLVdNld CaUP~'TY ~ ~~ I~ . ....... , _._...__.___ ~ ~ ~imrDrD !n the tice for.Recordin~of_Dgeds, Mortgages, etc., in and ' for the County of .. in ~eed"° "$ook _c~. _ .'..~`....... Vel...._ _._..~ . Page _r~~~.___.. ._ .... iillerls My Hand and Seal of Office, tllis _.__ ............._ ~~ ~ _._........1,~4.`.'.__.. day of ; ~ .. ...... ~2L.L.. .._...._ ...................._.. Anno Domini 19~-- ''I ~~e.~„~,,;, soar 338 rwE245 Q °~~- fRON: ~~~ Central Pem Appraisals, Inc 24 West Maki Street SHremanstown, PA 17011 boraue~peappraisars.com Tebplgrm NuMer. 717-737-4800 Fatr Nmrber. 717-737-9123 T0: SCOTT DINNER, ESQUIRE 3117 CHESTNUT STREET CAMP HILL, PA 17011 Teleplmrm Number: Fax ramiher. AMnale Number. E-IYt dkvrer~bcaateLCan ~ UNIFORM f2ESIDENTIAL APPRAI,4AL REPORT INVOICE MEADOWLN1211 09x12/2011 Menraaerr. t.enderCawA: CMe We /: WirFie/osbml: MEJIDOWLN1211 OtlrerFlelosfms Federal Tn IX 251733269 EmpblrD: Lender. PRNATE 171m[C PRNATE PIaE11tlIr/BerraYlet: WA PrepmgAddlee: 1211 MeadowLn CNy: 3teeson COINIIy: Deupldn State: PA 21p: 17113 Laval Deelrlptbn: DEED BOOK AND PAGE 0033800241 1211 Meadow Lr4 Steelton ~r .~ SUBTOTAL 3eo.oo , -; M:, ,. .. mow,: glmdlN: Dale: DeeerfpDsn: dmGIM: DaY: t>aalptlon: drdcl: ~: Daaulptlon: SUBTOTAL ' TOTAL DUE ; 3so.oo Form NIVS -'NfmTOTAL' appraisal software by a a mode. irc. -1-8W-ALAMODE Cemral Perm Appraisals, Inc. (717)737.4800 f SUMMARY OF SALIENT FEATURES Subject Address 1211 Meadow Ln Lep~ Descnplion DEED BOOK AND PAGE 0033800241 clir saeelwn Cwnly Dauptrln State PA LpCode 17113 Census Tract 0229.00 ~ Rmaence METRO 2849 H-2 sate once E WA Dana of sale wa Barrows/Giant wA Lg~s PRIVATE Slu(SquseFes) 1,132 Paco per Square foot S Location AVERAGE Ape 34 YEARS Condition FAIR Totalllooms 5 Bedroarns 3 Batlrs 2 Appraiser Robert K. Benrtroft Date d Appraised Value 09/16201 t Opaiian of VaWe S 85,000 Farm SS03 - WnTOTAL' appraisal sollwse by a b made Mc. -1•B04ALAMODE Central Penn Apprysats, Inc. Qi7)137--0600 Unfform Residerrtial A~loraisal RRnnrt The d this ism the bode/cied wIN an acdra0e, and ad uate o tlbn d Ne madui vahe d the sub' ro Address 1211 Meadow Ln C Steeaon State PA L Code 17113 Bemewa WA Owner d Public Rerxrd Estate: t.rxxeeaa Ad na Cau Dau hin L DEED BOOK AND P 0033800241 Assessofs Parrxl t 1-133 Tax Year 2011 p.E. Taxes S 2 674 Name - ATARA T ~ NW Ryerence METRO 2849 H-2 Census Tract 0229.00 Owar Team Vacant acial Assasnrads S N/A PUD tIDA S N/A rear mash Fees Leasehold Otlra desarba T Purchase Traaacdm Fle&gnce TraaacBm Otlwr daaPoe TMs a raleal is for use and not mo e Lerdr PRNA Address b the dNred fa sae a tee t bee dfaed to sob N dye twelve monVrs m the dlecdve dye d Ws sal? Yes No dra s used altl s . MLS I lid dki nd aalym the coribact fa ab mr the suh)ea purchase iransacdon. Expbin the rartls d dye araysis d the contract to sob a why the anaysls was nd . WA Carted Prt:e { WA DaM d Caract WA b the seta Bye owner d recad7 Yes No Dm s TxCRD/CNTRCT b dare any flnarrda ass~arce IbN dar0e4 sob carrasba, pHt a dowpaymed assistance, etc.) m be pad by rty prly m belaN d dye borrower? ~ Yes ^ No M tla tea dolly armor and desalbe the ka6 m be WA WA NMCRrarldtltendel aNh rend hems ` !G J `~; s locrfon Itb>w SuMrbm flry Vabas Slabb PPoCE A6E Orr-Wit 75 % Dwr 75% 25.7511 Itdr 25% h Bahme Over S rs 2-4lbrk 5 % Goa1h Strbb Smw its Itrda 3 tutus 3-8 mNS Ora 5 mars tltl Low 0 0 % BOIrr0ada The home b bcabed between Routes 230 and 441 beMreen Ghson Blvd. and 250 700+ Comarclal 5 % ENerYawrer Bvvd. h Svrafara T 130 Red. 40 Olar 15 % TNS wbuban tpod free aaess to em erd and and is mrrr vrith other h the I arm. Most have ahdler amertlias. tllakd CenAtloa iQ the above mrleYaiorrs The market m stll h ttts area wlh bwer than eve arem rates and bw htrest rates. grrrNtslane SEE PLOT PLAN Arne .37 ACRES IRREGULAR Yww AVERAGE Cfrd~n R/ RESIDENTIAL SNJGLE FAMN_Y RESIDENTIAL C Use No desabe b tlr and bast used a a as and atlora the use? Yes No N N desabe UHNIa PrrhNc Otlar Prtle dtlrr tlfl-aM nb- Rble PfNrY Wale Strew ASPHALT bas NONE Sawa NCNVE F73A11 Rood Hand Ara Yes No FBvU Rood Zone C FFMA ! 42039800108 FfMA Dye 2/3/1882 Are the uBNeaand ofl-ste 1a Ire radwt aa7 Yes No N No, describe Are tAae adverse sae anAtlais a elderrta facture earrrar6, arrachnats, aMrmnrxW earmars, brtl rrsa, etc. Y Yes Nc N Ya, descrbe :. .~... r, dpndIN011lehriar Urds Oa OnewtlrAaxss Itit CometeSbb CrarA FmrdatlonWals CONBWAVE Floss WOOD/VINWFAN2 IdSmda 1 FulBasenrar[ PadWBasemed F~rbrWals BRICK/AIUMIAVE Wale DRYWALL/FAB2 T Or. Art S-DetJEtdUnk BasarrtNa 768 RodSahce SHIN LEAVE TriMFinish WOOD/AVE UMa Breaw7 FiNSh % DuNnS 8 ALUMNJUMIAVE Bade Poa CERAMIGAVE BREVEL Ouleide /6dt YYerOOw T DBL HUNGIAVE Batlr Wainscd FIBFJtGLASS/AV Yet Bra 1877 EriderrCe d bfesCibrr Sturm SaaJbrsubt3d INSl1LATE0/AVE Car Stan None ENecdre ZO Oe Seltlami[ Saga YES/AVE / d Cars 1 A18c None RNA 11WBB Radad Amedla Weodstove s ~ Dmew Surface ASPHALT Styr Stets OMr Fud ELECTRIC s • Fence * d Cars t Floe Salve Ceay At C Path Ca t+ d Cars flashed Fktbd ttllridrW Odwr Pool Otlia Att 0et Butl[-h Oblrwaara MNrawave Washer Olio describe Rdshed era rbwre eonrNa: 5 Roans 3 Bedroom 2 Baths 1 132 uare Feet d Dross LM Area Ahore Gads AddiBOral tetra aflcbd Items etc.. IN GROUND POO PART FINISHED BASEMENT Describe the Coldlon d da needed ~ debrfaratlon mnoradon em.. THE HOME HAS HAD WATER DAMAGE AND IS IN NEED OF REHAB Are mac OakWCbS a a0vaa cordons 71st a(fed rib sourlress, a simetual d tla 7 Yes No l Yes describe THE H NEEDS MAJOR REPAIRS W E TO WATER DAMAGE Does die cadorm m tla nctloal , eoMidar, use, carrbuctlm etc. 7 Yes Ns Y No, descrbe rreoare mac roan rtr marcn Ewa Pape 1 m 6 Fannie Mae Fonn 1004 March 2005 form 1004- WnTOFAL' appralsy software by a b made, inc. -1.800-ALAhgOE r Uniform Residerrtial Annraisal Rennrt Thwe are 2 --- - ._.. dpred to sap p me ed m here f 87 coo p S 1oa 900 Tnen are 3 6~ p the sub R:A7URE SUB,~T witlrp the act lweha rrronms in sap from t 75000 COMPARABLE SALE # 1 COMPAMBLE SALE # 2 to f 85199 COMPARABLE SALE # 3 Nkaess 1211 Meadow Ln 31 Heetlaerland Rd 6081 Peach Tree St 309 N 2nd St Steeeon PA 17113 PA 17057 H PA 17111 Steelto PA 17113 b S . ? ~ 2.56 m E 3.50 miles NE 1.68 mi s W SaN PAce S N! _ ` i 75 000 ~ ~ . S 85199 % `-^~~~,'~ S 75 000 Sap Prk;dGross Liv. Arm f ft f ~.µ ft ?~ ~ . S 78.07 ft ° t 65.22 ft ~ _'~ '' Dam s ASMT RECORDS/MLS/AGENT/ RECORDSIMLSIAGFJVT7 ASMi REC012DSAvtiSJAGENT/ VwiBCatlar Swu s DEPT. MENT DEPT. SETTLEMENT DEPT. VALUE ADJUSTAENTS DESfg>~11011 t1ESISiPIpN + - i DESCRWIION + - S Ad DESCRIPTION + - f AO' Saba a Fir~dnp COt•ArEN710N CASH FHA Corrsessias NONE KNOW NONE KNOW SLRHL 2500 Dated 412H0-1DOM 7 1~2DOM 9/24/10-57DM Lxatbrr AVERAGE AVERAGE AVERAGE AVERAGE l.gsdggiFee Fee Sim Fee Slm Fee Sim Fee Sim Sim .3T ACRES .~ ACRES .39 ACRES .12 ACRES +1 300 Vbw AVERAGE A RAGE AVERA AVERAGE BILEVEL B L BILEVEL BILEVEL dCaretredion AVERAGE AV RAGE A GE AVERAGE AdW 34 YEARS 43 YEARS 37 YEARS 36 YEARS Corrditlal FAIR FAIR FAIR AVERAGE -8 000 Abore Grade Tehl Btrnn. BaAC Tatl alms. 8aais Total Gdns. Batls Taal Bdrms. Baha Roan Caart 5 3 2 6 3 1.5 +2 000 6 2 6 3 1 +3 000 f#osS L Nee 1 132 s ft 1060 h 1 120 ft 1 150 .8. BaswrraA 8 Rrished PART BMST FULL BMST FULL BMST PART BMST Rosnp Bebw Grade PART FINISH UNFMJISHED +3 000 PART FINISH PART FINISH hureBotW AVERAGE A RAE AVE AVERAGE EBB/CA HWAVO CA +3 000 EBBAVO CA +3000 EBB/CA BBldwll Bea4 TYP FORA 7YP FOR AREA TYP FOR TYP FOR 1 CAR GARA NONE +3 000 NONE +3 000 1 CAR GARA PORCH/PA PATIO +1 500 PORCHIDC-CK RCHlPA NONE NONE 1 FIREPLACE -3000 1 FIREPLACE 3000 POOL N NE +5 000 NONE + N +5 000 NONE NONE NONE NONE Net + - f 17500 + - f + - S -1 700 Adjusmd Sap Rice ftd Adj. 23.3 % Net Adj. 9.1 % Nd Adl• 23 % d Gress 23.3 % S 92 500 Gross Ad. 16.4 % S 93 t Gross NI . 27.1 % S 73 300 I did OId not research the sap a bander h d the Su and c sale8. B not, rmmrch did dM nol rerml saps a bwtdws d the su mr tle tlvee m the enectlw dam d Bas refsal. Dab s TAX ASSESSMENT RE S roseardr did dd not rata! saps atrarefers d the mks for Ba m Be date d sap d the table sale Dam s LOCAL TAX N7 RECORDS R the ratAs d the resarch and d Be sap a tramfer hi d the sub and saps add8onal sales on ITEM SUB,I~T COMPARABLE SALE #1 COe~ARABLE SALE #2 CtMB'ARABLE SALE #3 Oap d Rbr Salyirorsta N SALE LI NO OTHF12 SALE LISTED NO OTHER SALE LISTED NO OTH SALE LISTED Pdce d PrfOr SaWTranspr IN THE PAST 3 YEARS IN THE PAST YEAR IN THE PAST YEAR IN THE PAST YEAR Dam S NTY ECORDS COUNTY RECORDS COUNTY RECORDS NTY CORDS EBediw Oab d Oam s 9122/11 9/Z2/11 9/22/11 9y22/11 d sap a trartsla m d Ba sub' and arable saps There were ro urwsual daarederislks observed in the of the ed a can rebb cabs. S d Sales AN bs ro considered to he reAable indiratore d value and are we hbd simae ka final recoradNeBOn. Coro sales used are as dosed sales. Ae ttree torn eretab sales are braced h the same market area as Bee and would be corasklered the same r if ae were on the market at the same Bme as the sub ed. b order to com Wes sales n was rreoeaea to use less recent sales. bdpatsd Vdue Saps f 85000 M1dlwmdValue .Bela f 85000 Coat lit If N/A Irrconre IM f WA iris appraisal Is made ®'as is•, ^ suejed b compleaan per pprts and spedOcatlons on tln basis d a 17DoBefkal mrdglarr Bat the improearrenls have bear empleleQ ^ wgert b the tabwirrp repaks a aaeratlons on the basis d a hypoBarBcal wMitlon Bat the repahs a alpramm have Gear rbmpp[ed, a ^ subject b the Ins rased an the n Bet the corMiBOn a defic' does not aawaBon a Based on a compmb vmual in d the inmrkr and exkria area d tlae aubled properly, ddMed crape d work sptiaird d aeeumptloan and IhnitMg eandNiorr, and appraper'a on, rop (olr) opbbn d Bee marlwt veltre, a dented, d Bee read property that m the erdajed d BBa report b 85000 ad 09!16/2011 whph Is the dale d in fore and the etiectlve dam d tlrm rreoora mac ronn iu marcn [uu5 Page 2 d 6 Fannie Mas Form 1004 March 2005 Faro 1004 -'WpTOTAL' appraisal software by a p mode, inc. -1-800-ALAMODE Uniform Resideniiai Appraisal Report ra.a snFannwi ti~~~~ Freddie Mac Form 70 March 2005 Page 3 of 6 Fannie Mae Fonn 1004 March 2005 AMENDMENT TO SCOPE OF WORK: THE MITENDED USFJ2 OF THIS APPRAISAL REPORT IS THE LENDER/CLIENT. THE INTENDED USE IS TO EV UATE THE PROPERTY THAT IS THE SUBJECT OF lHl RAISAL F A MORTGAGE FINANCE TRANSACTION SUBJECT TO THE STATED SCOPE OF WOR PURPOSE OF THE APP REPORTING REQUIREAAEN75 OF THIS APPRAISAL REPORT FORM D THE DEFINITION OF MARKET VALUE AS DEFINFA BY FANN OR FREDDIE MAC. This bal assumes a reasorebb m fa lie ed d three months. The Market ch reaeds retard ed' ' h the market b i because few fern Itowea are tltb market In view of the a of these nn ants the Coat cardrot De considered an aaarate hdbata d value. THIS IS A Y REPORT OF A COMPLETE APPRAISAL. APPRAISER ACIWOWLEDGEbENT: APPRAISER ACKNOWLEDGES AND AGREES N4 CONNECTION WITH FIECTT20NIC SUBMISSION OF AP F :THE SOFTWARE BI/THE APPRAISER TO GENERATE THE PROTECTS SIGtW17U RITY BY MEANS ~ DIGfiAL SIGNATURE SECURfTY FEATURE WHICH LOCKS THE REPORT WITHIN OUR OFFICE AND CAN T D BY ANYONE OTHFJT 71iN4 OUR OFFICE. APPRAISER CERTIFI RAISER STANDARDS: 1 and 6~ I m a sisal d a referenced m be used h a rebted flraardial trerrecdDn to d Tdb XI d the F'lrrencbl IrrslNrdbn Retbrm and lsforcernen Add 19~ flRREA ust wflh F and the a ubtbns kn IX • and Ii the bel was can bled h accordance wi8a LISPAP. APPRAISER COMPETENCY: 1 6ral I errr NRed and cold Va k ant fhb . APPRAI3ER MIDEPENDENCE: 1 re rd and that I bal eM was nd based on a mhnnum va a or the I d a loa m em ant wee not aondltlorted the a s ffk: value or value wdhh n B m HAUre em b not an a I e s vakar m em oom and future em ant ere not based whether a ben was v rnkher ma nor wfdr en Dante h am me b related eo or t~ owrwas ' a otfrer ftrrarsial h edhn the beaded aelar ar ester brdcer/ae or a rebted to d Orem knalved h the hansedbn fa which Uis a I a wdh the most sab a d used as a tom h this end vl I am not aware d a fags wfdGf would d ua me from wrrsidered an a raiser. :r-.. ... +!' , siy::.n~.u"'~ - .. . ~, >a~ ~ is-. ''.ik~~y~~'~K # ' s ..,. .. ....., ..... s. ,a. ~.. ~..,... PmNee idamadon far na bn0ednled to tla Irebw cos[ and caldianms. Su for tla d life vain su d bnd cabs a dher rrrttlads fa site wdue EST6dAlED REPRODUCTION ql REPLACEMB/T COST NEW Source d cost dab MARSHALL & SW IFT COST VAULATiON SERVICE Iron text savbe AVE. Efbctlre dale d cost dab 06/2008 OPIlBNI OF SITE VALUE._.._......._._ -- =i OWEl1NG .R i __....._ =i .R i ..___ =i Comrwms an Cost h s area cabubtlars, , ac. ----------- =i Ga .ft S -.__ =i Total Esdmde d Cost-New _.---- =S Less Ftncdaial EtOeral ~ - bled Cost d - -----5 'AS-Is' Vahw d Sib ....... =i EstlmatedRemaW ElwrlomkLife DandVA Years WICATI~YAWEBYCOSFAiPti0u1C11...--- .............-----.---.-----=i .. , `% ~ _ ~~r; Esdrrabd Alafket Rot i WA X Sass Red WA = i WA ~ ~ ~ ~ hdicated Value hicome roam d Irnwrre ach mdudi su far marllN red and SMI ., ,~ r _ .- - . - _. ~ 3* l ~~4F~~'Si'M: I , N 'A c b the Oa in codrd d the Fbnwonmas Assodatlan 7 Yes No Unh ~ ~ s ~~ DaaGed AUached Preside the idbwh idonnadOn tar PUDs ONLY B the is in CorNd d the HOA and the su b an aftadted dwelt unL Narro d P 'ed Trial nsnbw d aces Total reunbw d ends Tabl nsnber d ems solo Total nn0er d oils remd Tobl reerrber d urns fa nab Data sown s Was the crnfn the rAmasbn d W s bb a PI%17 Yes No 1 Yes, ~ d tornasim. Don the cadah an unhs7 Yn No Dab Source Are the Wts, conergrl elatKnts, and recreatlorr tacatles c 7 Yes No d No, describe dw status d n. Are the camm~ elwnwds based to a the IbmeOwrwrs' Assodadon7 Yes No d Yea desOdbe the renal terms arw Dncribe common ebmwds and recreadaial hraaees. Form 1004 -'WInTOTAt• appraisal sohware by a b mode, he. -1-800-ALAMIbE unnvrm tS8s10@f1USi This report form is designed to report anappraisal d eons-untt property or a one-unit properly with an accessory unit; InGudkrp a unit in a planned unit devebpment (PUD). This report form is nd designed to report an appraisal of a manufactured home a a unit in a condominium or cooperative project. This appraisal report is subject to the folowing scope d work, intended use, intended user, definition d market value, statement d assumptions and limiting conditions, and certlfkations. Modffications, addttions, or deletions to the intended use, kderrded user, definition d market vakre, or assumptions and Ifrniting condtions are not permitted. The appraiser may expand the scope d work to include any additional research a anaysis necessary based on the complexity d this appraisal assignment. Modifications or deletions to the certlflcations are also nd permitted. However, additional certifications that do not constitute material alteretlons to this appraisal report, such as those required by law or those related to the appraiser's continuing education Or membership in an appraisal organhatlon, are permitted. SCOPE OF WORK: The scope d work for this appraisal is defined by the complexity d this appraisal assignment and the reporting requkertreMs d tlds appraisal report form. indudirrg the following definition d market value. statement d assumptions and limtting conditions, and certlfications. The appraiser must, at a minimum: (1) partorm a complete vrsuat inspection d the kdenor and exterior areas d the subject properly. (2) inspect the neighborhood, (3) inspect each d the comparabb sales from at (east the street, (4) research, vertty, 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 d this appraisal report is for the lerH~r/client to evaluate the property that is tfur subject d this appraisal for a mortgage fkrance transaction. INTENDED USER: The intended user d this appraisal report Is the IerMer/client. DEFINITION OF MARKET VALUE: The most probable price whkh a property should bdng in a campetiWe and open market urrdar all conditions requisite to a tatr sale, the buyer and seller, each acting pnrdently, knowledgeably and assurntng the Arks Is nd affected b7/ undre stimuhrs. Implictt b this definiton is the consummation d a sale as d a specttbd date and the passing d title from seller to buyer undar conditions whereby: (1) buyer and seller are typically motivated; (~ both parties are well iMomred or well advised, and earn acting in what he or she considers his or her own best interest; (3) a reasonable ilme is allowed for exposure in the open market: (4) payment is made in temms d cash in U. S. dottars or in farms d financial arrangemends comparable thereto; and (5) the prce represents the nortnai Consideration for the property sold unaffected by special or creative finanrdrrg or sales concessions* granted by arryone associated with the sale. *Adjustrnents to the comparables must be made fa special or creative financing or sales concessions. No adjusbneMS are necessary for those costs whk:h are normaly paid by sellers as a result d traditlon or law in a market area; these costs are readily identifiable since the seller pays these costs in virdraly all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to flnancing terms dfered by a third paAy instilutlonal lender that is nd already invdved in the properly ar transaction. Any adjustment should not be calculated on a mechanical ddlar for dollar cost d the lnancing or concession but tyre ddlar amount d arty adjustrneM should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LNYNTING CONDITIONS: The appraiser's certification in this report is subject to the fdkrwklg assumptions and Iimitlng conditions: 1. The appraiser will nd be responsible for matters d a legal nature that affect either the property being appraised or the title to iG except for irdartnatlon that he or she became aware d dudng the research imaNed in pertorming this appraisal. The appraiser assumes that the title IS good and marketable and will riot render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approx¢nate dimensions d the improvements. The sketch is included Doty to assist the reader in visualizkq the property and understanding the appraiser's determination d Its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or othar data sources) and has rested in this appraisal report whether any partlon d the subject site is located in an identffbd Special flood Hazard Area. Because the appraiser Is nd a surveyor, he or she makes no guarantees, express or implied, regarding this determinatbn. 4. The appraiser will rest give testkrrorly 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 appaiser has noted In this appraisal report any adverse conditions (such as needed repairs, detariorafbn, the presence d hazardous wastes, toxic substances, etc.) observed during the inspection d the subject property or that he or she became aware d dudng the research kwaNad in pertorrtdng the appreisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge d arty hidden or unappareM physical deficiencies or adverse conditions d the properly (such as, txd nd limited to, needed repairs, deterioration, the presence of hazardous wastes, taaic substances, adverse environmental conditons, etc.) that would make the property less valuable, and has assumed that there are no such conddions and makes no guarantees ar waraM(es, express or implied. The appraiser will nd be responsible for arty such conditions that do exist or for arty engineering or testing that mqM be required to discover whether such conditions exist Because the appraiser is nd an expert in the field d environmental hazards, this appreisal report must nd be considered as an environmental assessment d the property. 6. The appraiser has based his or her appraisal report and valuation conclusan for an appraisal that is subject to satisfactory completion, repairs, or atteretbns on the assumption that the completion, repairs, ar alterations d the subject properly will be performed in a professional manner. , icw,o mac ry„„ .u march cwa rape a of 6 Fannie Mae Farm 1004 March 2005 Form 1004 -'WrTOTAL' appraisal software by a to made, mc. -1-600•ALAMODE T a APPRAISER'S CERTIFlCATION: 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 exterbr areas of the subject property. I reported the condition of the krmprovements M fachral, specific farms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structure) kttegrity of the property. 3. i perforrrmed this appraisal in accordance with the requkemeMs of the Unkorm Standards M PrMessional 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 rtry opinion d the market value Of the real property that is the subject of this report based on the sales comparison approach to vaWe. I have adequate comparable market data to develop a reliable sales cortmparison approach for this appraisal aasignmeM. I further ceAky that I considered the cost armd income approaches to value but did not deveop them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on arty current agreement for sale tw the subject property, any offering for sale of the subject property in the twelve months prior to the affective date of this appre~al, 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 repmxL 6. I researolmed, verrFied, analyzed, and reported an the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, uMess otherwise indicated in this report 7. I selected and used comparable sales that are localionally, physlCdliy, 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 d a home that has been built or will be bulk on the land. 9. I have reported adjustrnents 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 iMormation in this report that was provided by parties who have a financial interest in the sale a financing of the subject property. 11. I have knowledge and experience in appraising this type of properly in this market area 12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as rtamkiple listing services, tax assessment records, public land records and other such data sources for the area in whird7 the property is located. 13. I obtained the iniommation, estimates, and opiniams tumished by other parties and expressed in this appraisal report from reliable sauces that 1 believe to be true and correct 14. I have taken into consideration the factors that have an impact on value wkh respect to the subject neighborhood, subject property, and the pradmily of the subject property to adverse iMluences in the developmerd of my opinon of market value. I have -noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, dethdoratien, 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 perfortnirmg this appraisal. I have considered these adverse conditions In my analysis of the property value, and have reported on the effect m>f the conditions on the valmre and marketability of the subject property 15. I have nct Imnowingy withheld any significant information from this appraisal report and, to the best of my krmowledge, all statements and irNomtation in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclrrsans, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no presets or prospectNe interest in the property that is the subject of this report, and I have no presets or prospective personal interest or bias with respect to the participants in the transaction. I did nct base, either paNally a completely, my analysis and/or opinion of market value In this appraisal report on the race, color, religion, sex, age, marital status, handicap, fam8ial status, or national origin of either the prospective owners or occupants of the subject properly or of the presets owners or occupants of the properties in the Wcinity of the subject properly or on arty other basis prah~ked by law. 18. MY employment and/or compensation for pertorrming this appraisal or arty future or anticipated appraisals was nct conditioned on arty agreement or understanding, written or otherwise, that I would report (ar present analysis suppmrting) a predetermined specific value, a predetermined minimum value, a range or dkection In value, a value that' favors the cause of arty party, or the attainment of a specific resuk a occurrence of a speekic subsequent evert (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. k I relied on signkicaM real properly appraisal assistance from arty individual or kmdhdduals n the performance 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 authoraed anyone to make a charge to any item in this appraisal report therefore, any change made to this appraisal Is unauthorized and I wik take no responsibility for k. 20. I identified the lender/client in this appraisal report who is the individual, organizatbn, or agent for the organbation that ordered and will receive this appraisal report. unrrorm rsesiaenna) rreaae mac corm ~o Marcn zoos Page 5 of 6 Fannie Mae Form 1004 March 2005 rvrm 7004 - WmTOTAI.• aDDrasal smmitware by a V moaml Inc. -1-800-AUIMOOE U11RORi1'1 Fi@Sitl@nti81 AppfdiSSl Report Fees MEADOwLNlztt 21. The lender/cliaM may disclose ar disldlwte 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 atstrumentalriy of the United States; and any state, the District of Columbia, or other jurisdictions; withoM having to obfaar the appraisers or supervisory appraisers ('d applicable) consent Such consent must be obtained before this appraisal report may be dsclosed or distriaded to arty other party (includlrrg, bM not limited to, the public through adverfising, public relations, news, sales, or other media). 22. I am awaze that any disclosure or distritxdiorr of this appraisal report by me or the lender/client may be subject to certain laws and reprlations. Further, 1 am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice tlrat pertain to disclosure or disiributlon by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage Insurers, government sponsored enterprises, and other secondary market partlcipards may rely on this appraisal repel as part of arty mortgage fatance transactlorr prat imoNes arty one or more of these parties. 24. If this appraisal report was transmitted as an "decironic record' containing my 'electronic signature,' as those terms are defined in applicable federal and/or stator laws (excluding audio and video recor6ngs), or a tacsimge transmission of this appraisal report containing a copy a representatWn of my signature, the appraisal report shall be as effecgve, enforceable and valid as 'd a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misreftreseMation(s) contained in this appraisal report may rosuh in dvA liability and/or crimatal penalties includirp, but not Nmited to, fine or Irnprisonmerrt a both under the provisions of Title 18, United States Code, Section 1001, et seq., or sirrdlar state laws. SUPERVISORY APPRAISER'S CERTIRCATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appreisal report, and agree witlt the appraisers analysis, opinions, statements, conclusions, and the appraisers cerfificatlon. 2. I accept fu8 responsibility for the contents of this appraisal report including, but not limited to, the appraisers anaysis, opinions, statements, concusions, and the apprdsers certification. 3. The appraiser idenhYfied in this appraisal report is either a subcontractor ar an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to pertonn this appraisal under the applicable state law. 4. This approval report complies with the Uniform Standards of Professional Appraisal Practce that ware adopted and promulgated by fire Appraisal Standards Board of The Appraisal Foundation and that were in place at the lane this appraisal report was prepared. 5. tl this appraisal report was transmitted as an 'electronic record' corrtainhg my 'electronic signature • as those terms are defined in applicable federal and/or state laws (exciudMg audb and video recordrtgs), or a facsinale transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as elfectlve, eMorceaWe and valid as if a paper version of this appraisal repel were delivered containing my original hand wrtlen signature. APPRAISER A Sy TE C RT RESIDENTVIL R.E f Signature / Nance R K. Banzhof Comparry ame central refeab inc. COmparry Address 24 West Mein Street. SMremanetown. PA Telephone Number 01717374600 EmaN Address txxvrie(~oaeooraiaera.com Date Of Signature and Report OafM/2011 Effective Date of Appraisal 09/18/2011 State Certification # R1.001231L or State License # or Other (describe) State # State PA Expiration Date of Certrfication or License 06/30/2013 ADDRESS OF PROPERTY APPRAISED 1211 tulearbw Ln Steeeon. PA 17113 APPRAISED VALUE OF SUBJECT PROPERTY S 85.000 LENDER/CLIENT Name Company Name PRIVATE Company Address Email Address SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name . Company Address Telephone Number EmaN Address Date of Signature State Certification # or State License # Stale Expiration Date of Certifcation or License SUBJECT PROPERTY ^ Did not inspect subject property ^ Did inspect exterior of suttject 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 sheet ^ Did inspect exterior d comparabe sales iron street Data of Inspection Fretltlie Mac Form 70 March 2005 Page 6 of 6 Form 1009 -'WnTOTAL' appraisal soaware ay a b move, inc. - t-904NAMODE Fannie Mae Form 1004 March 2005 • f Subject Photo Paae fat WA Address 1211 Meadow U C Steeton Da n Sde PA Coda 17113 Lerch PRNATE Subject Front 1211 Meadow In Saks Price N/A GrossLiriripArea 1,132 Told Raans 5 Tod Bedioorirs 3 Tod Bathooms 2 Locator AVERAGE Vkw AVERAGE Sik .37 ACRES Ouabty AVERAGE Ape 34 YEARS Subject Rear Subject Street Fenn PICPIX.SR -'WinTGTAL' appraisal software M a k mode, inc. -1-8o4ALAA70DE Interior Photos BomorRr lent WA Address 1211 Meadow Ln C Steekon Ca Da n State PA L Code 17173 lender PRNATE Farm Pk:INT6- •NfinTOTA1• appraisal sokware py a la mode, Yrc. -1-0W-AUMODE . Maln Flle No. MEApOWLN12111 Pane :vtnl Interior Photos Borrower fens WA Mtress 1211 Meadow Ln C Steeeon C Da n SGh PA L Code 17113 Lender PRP/ATE Form PICINT6 - 9MnTOTAL• appraisal wNware by a H mom, eic. -1-B00-NAMODE Photograph Addendum font WA Adtress 1211 Meadow Ln C SteeNOn C Da n State PA L Code 17113 Lender PRNATE fam PICSIX2 -'NAnTOTAL' ~praisai software M a la mode. inc. -1.800-ALAMOS ~ ~ IMain Fil No M noun Nt 111 Pape N721 Comparable Pbots Paae Borrower WA 1211 Meadow Ln Steelon C Da PA L Code 17113 Calder PRIVATE Comparable 1 31 Fieathedatd Rd Prmc b Sutgecl 2.56 miles SE Saks Pdu 75,000 GrossLMnpArea 1,060 TaalHOOms 6 TaW Bedroais 3 TotL BatMOOms 1.5 Locatlan AVERAGE Ykw AVERAGE Sik .39ACRE5 Oualby AVERAGE Ape 43 YEARS Comparable 2 6081 Peach Tree St Rac b Subject 3.50 miles NE SaksPrbe 85,199 GrossLNNgAIea 1,120 TOteI Reoms 6 Told Bedroons 3 Told Ba6eamis 2 Localbn AVERAGE 16ew AVERAGE Site .39 ACRES ~b AVERAGE Age 37 YEARS Comparable S 309 N 2rd St Pmx b Subbe[ 1.68 mibs W Saks PINS 75,000 GmssLirYgAroa 1,150 Told Roars B ToW Be6ooms 3 Taal BalMOans 1 LocaBao AVERAGE Vkw AVERAGE Sik .12 ACRES Ouapry AVERAGE Ape 36 YEARS Form PICPIX.CR - NlnTOTAL• appraisal SoAwere by a k mode, bc. -1-800•ALAMODE i Main File No MEADOWLN7T711 Pace /131 Buildine Sketch Bonora fad N/A Adbess 1211 Meadow Ln C Steedon D ldn Stale PA L Code 17113 Labe PRNATE ... ~.p Y M W YY ewn r . ~ M ~ ~~s .h 26.0' 11N1~~ Carlxnafl6: -AREA CALCULATIONS SUMMARY Cad. Owmyllan llor Net TOpb oral rs~.s Woos 1132.00 u3z.oo TOTAL LIVABLE (rounded) 1132 LNING AREA BREAKDOWN 6rYdown auDlohls rl:.c rloo: 2a.0 s a~.0 1056.00 2.0 s 22.0 {1.00 2.0 : 16.0 32.00 3 Calculations Total (rounded) 1132 Fam SKT.BIdSW -'WInTOTAL' appraisal soltwam Dy a la mode, inc. -1-800-ALAMODE _ G'~"- -- _. - - _ -.aca~lon Map -,._~_ c i Plat Mao Borrower fad N!A Address 1211 Meadow Ln SMeNon Da hin State PA L Code 17113 Lade PRNATE Form MAPPLAT -'WInTOTAL' appraisal sallwam bS a W mode, Inc. - t-800~ALAMODE x:,:. 7r ilgk U„6 N.. TflS Rl,epl M eti Sar M IWm C. puk p.. 7026 WWoI 91. PWI,. ~~ji~ ~~be~ture ~alr.~~p 9th d., of April io tba year e[ our Loral one tbmumwd nine hundn2d wd Ninty Three (19 93) ~1'fWePt[ ANTAONY S. ADRAGNA, LUCIANO S. ADRAGNA, HODHBT AOAACNA AND LUCRH2IA ADRAGNA, ,,n iT7 ~~ (lierdmatue sped 16e GramlorS ), of the ome part' amd Ail D ~ J °'- LUCIANO S. ADRAGNA AND LUCBHZIA ADRAGNA "' - w :.:. w r v ~' _' w~ rc ° ~ ". '- ~ %~ (berehTafler called the ~ Gramtee S )~ et the ether part. ~t~$t~p~ 77eu the whf Grmtor s for amd [n esaabkraliea of the 6mm of One (f1.00) Dollar---------------------°----------__-,°---------lawful money of tba UsDad Stefan of Amerbae, mmM Map and Irrly paid by des acid Gnaleas , u or before ihs a6mlieg amd dap7ary he2aef, ties receipt whmoi V Laeiq aelc.aerbigasl, h a v e pamad, bargdmed and Nld. released emd eonfieaeed, sad bT tba6e p2e6eeeb do greet . bmrgafa amd 6s11, relea6e amd eanfirm anls !be meld Gumless , their heirs amd aa6lpa, ALL that certain parcel of land and improvements thereon situate in Swatara Townahlp, Dauphin County, Pennsylvania, bounded and decribed as follows DEGINNINC at an iron pin on the southern right-of-ray line of Pen naytvania Legislative Route No. b1B (Relocated at lands nor or formerly of Ere no L. and Nary Il. Lewis; thence along said right-of-way line by a curve to the right havfog a radius of tro thousand eight hundred fourteen and ninety-three hundredths feet (2,814,93') for an arc length aF fro hundred and three hundredths feet (200.03') (chord bcartng and distances for arc length North eighty-three degrees thirty-two minutes East tro hundred feet (N. 83 32' B. 200.00') thence South four degrees sixteen miaucea Bast (S. 40 16' E.) along land now or forrerly of Elost Pa rm a diseanee of one hundred seventy and forey-nine hundredths feet (170.49') to a point; [hence South eighty-five dogrees s1: minutes Nest (S. 850 Ob' N.) along Ilost Farm Land, s distance of one hundred nlntcy-eight and Five hundredths feet (19D.05')•to a point; thence North four deg roes Fifty-four minutes Nest (N. 040 54' N.)along lands now or formorly of Ereno L. and Nary 11. Lewis a distance of one hundred sixty-five Feat (365') to the point and place of BEGINNING. SUBJECT to all. eonenante, Conditions, restrie L•ioas, eaaeme rats, provisions, nxceptio s, end reservat L.ons, LE any, conealned Ln former instruments of record, and subJect to a revocable license agreement ~. made on or about August 25, 1970, rith Pannsylvan is Pover and Light Company. aoo~ 19`71Pa~(14U _~ TOGBTNBR rich all the rights, title and interest, if any, of the grantor, in and to sll land Lying in all streets aad highrsys on or appuctenant to said premises. BEING the sane prenisea rh ieh Xar[in L. Crass, Blisabeth C. Weeae, Roger L. Cra se and Linda Grass Shapiro, Partners, t/d/b/a/ NBEL PARTNER s Pennsylvania General Partne rah Lp ,by Deed dated February 17, 1988, and recorded in the office for the Recording of Dseds in and foz Dauphin County in record Book 107], Page 477, granted and conveyed unto Anthony S. Adragna, Luciano S. Adragea, Robere Adragna and Lvcrezla Adragna. ~RAJ3i'ErL _ ~r'orw ~c-~{Her$ .~ ~D~r ~ &fo~R .~ r s 8~~~19'71Pa~i141 .~~: ~~~~)(~' r6h aU aad aia6aisr the Imprerereats, ways, atrcets, alleys, drlverays, passages, wuen, wslereottt+a, eigbY 1lberlies, prirUa;;es, hereditareals and appurteaaeca, whsuoerer onto the Lereby grseted ptrotoisr belen¢s~, or V any wise apprtaiohta, sad the rrreniotta sod romaiadess. rents, latua,, and pro6r thereof; and aU the state, rigby title, inure[ property, claim and detmnd rhalaearer et the aid Grantor s . r roll at law r in equity, et, In, and to the etas. ~p htiUP ~tt~ '~ hD~ the uhl harodiutmnp and prossLa heroby gaoled, or taeationed, sad inleadod so to be, rill Ibe spparteaanae, unto the said Cnatee s , their Ile i rs sad as{gna, to aad !or tbs eely Proper re ^nd behoof of the saW Grantees , their heirs and assign tetxver. .i'bi`~ the said Grantors, for thetsseltres, their heir t e:eeutor. and admiaistrotars do roremnt, promise and agroe, to and rilia Ibe add GraBtee s , ehetr hairs sad auigny by [her prasau, that . tbs aid Grantors their ltei», ail and singolar the hereditsmeau sad premier h~rel~ gbnnted or mentioned end Intended so to I,c, with the appurtenantree, unto the aid Cnntee y, [ e s i r s and ralgnM sgaiaat their heirs, and against all aad every Penoa and persons whomsoever lawfully chiming or to e4im the rme or say part ebereof, by, from or under then , er any of them, dtaU amf will WARRANT and forever DEFEND. ~a ~tnesa lflyeerof, the parties herauoto set the 1 r heads and senl s . Uabd the day and yese first above writtem ', $rnlsD sttD ~rliusrcD tx 'txa -etas.~ca or va: 80J'F.197~.PaGE Z42 ,, Caaveoa+reshh e! Pe~ariat. ~r~ ~1 a! DaupAin oa tYV, ehs 3~j'!r dq of Apf2~L ~ 19gj betero rs, SstLVA~ron-Et~v-A..~~L td emiveipe~ Oitieq petesa.llr ^nPeoed n,.r!'1laiJ y s. !~ D~99GnJR~ LvL' iAnrV' S. A DlL,~,r/N r IQG~bli/.~-7- /Q p~A~svr4 r t~ Lvc(.~~~ ir{ AD~G~/~'1 knNra v ar (anLiseiurll7 lra~ee) ra bs ~ pawe a .rhoee nay s 7ili (see) wheer16e8 to tlr within inetrrre~y aad nekarrLdpd that he aseeated the wese !or the purpssss therein earlsised. art iitttetpt ~Iljrt'tnf, 1 he.eralo wt ml baai swd sDFd.l enL uorNaAL SF.At. ~ /1i/1 /~~~ / saivxroaE cnMeorlE niudy wAy~ ~ytbt-t4tJ vnfw'+^v~ Nminewn Eb% Monlpunery Co. n N A My t E.eires rpv 2S. 1 ~n ~ ~j^ /"~" 7.7'~~C. thereby CERTIFY that the document is recDrd~;t In tls9 Recorders Office of Dauphin Cousaty, Pennsy~ar>Za ~`~~ttv~ ~QFrr~~~i;~~ ~y,~'t~.r..,"'.w iii .~ ••. t ~r ~~!~i,~:~~V`~ Recorderdeeeds W m O A N ¢ m s ~ :- N s h V < ~ u o .e o v, e a~ ~ a o w O - e6 a . [J e a e o~ ti i4 < - ¢~ w u p N V K V K u .~ ~ ~ z 6 o u 0 6 v a 6 ~ as e. OpO V' i O< ~+ 7 C ewm ea ~ •.+a• o o sG i ~t4 < u C u vi H a b- a 4 -< s e a e.> w e Y<~"~ OIr wN." Y Y W¢ N K N a d h S 9 O V W Z 09 b n s vl W V u p~ ~ C F P9 V V H 0 2 0~ 7 5 w o 0 o O Kea .a ..+ o e. [. n, v ea .-, O1 o~ .r ~ ~ E f i& ~~ 1 8 `~'F~ o _i i _x :'~ ... i~o~1.971P~~E143 _. c.tirsroxE Capstone rso Capstone ISG-Baltimore Recap by Category with Depreciation O&P Items RCV Deprec. ACV APPLIANCES 57.13 57.13 CABINETRY 522.18 130.55 391.63 CLEANING 696.34 69634 CONTENT MANII'ULATION 13830 138.30 GENERAL DEMOLITION 6,730.05 6,730.05 DOORS 1,355.39 202.96 1,152.43 DRYWALL 8,237.20 2,059.32 6,177.88 ELECTRICAL 1,232.83 66.77 1,166.06 FLOOR COVERING -CARPET 1,425.71 356.43 1,069.28 FLOOR COVERING -VINYL 2,129.68 532.42 1,597.26 FLOOR COVERING -WOOD 2,676.13 669.04 2,007.09 FINISH CARPENTRY / TRIMWORK 4,72851 1,155.12 3,573.39 FINISH HARDWARE 12435 124.35 FRAbIING & ROUGH CARPENTRY 18150 45.38 136.12 HEAT, VENT & AIIt CONDITIONING 404.46 986 394.90 INSULATION 3,870.19 967.57 2,902.62 LIGHT FIXTURES 72891 108.41 62050 PLUMBING 347.86 347.86 PANELING & WOOD WALL FINISHES 588.24 147.06 441.18 PAINTIIVG 10,789.34 2,697.42 8,091.92 ROOFING 722.84 216.85 505.99 TEMPORARY REPAIItS 672.00 672.00 WINDOW TREATMENT 33534 335.34 O&P Items Subtotal 48,694.48 9,364.86 39,329.62 Material Sales Taz @ 6.000% 793.86 196.89 596.97 Cleaning Mtl Tax @ 6.000% 0.29 0.29 Overhead @ 10.0% 4,948.86 4,948.86 Profit @ 10.0% 5,443.75 5,443.75 Cleaning Sales Tax @ 6.000% 50. 50.58 Total 59,931.82 "~ 9,561.75 50,370.07 <.~ ADRAGNA-REPAIRS 7/28/2011 Page: 18 SWORN STATEMENT IN PROOF OF LOSS (For Use With Replacement Cost Coverages) $221.000.00 AS201 PA300770 AMOUNT OF POLICY AT TIME OF LOSS POLICY NUMBER 5J11/11 DATE ISSUED AGENT 8!11/11 DATE EXPIRES AGENCY AT To the Underwriters at Lloyd's London - of At time of loss, by the above indicated policy of insurance you insured: Adragna against loss by Water to the property described under Schedule "A," according to the terms and conditbns of the said policy and all forms, endorsements, transfers and assignments attached thereto. 1. Time and Origin: A Water loss occuned about the hour of Ukrnvn o'dodr P .M (Stare Kind) on the 17th day of May 20 11 .The cause and origin of the said loss were: Water 2. Occupancy: The building described, or containing the property described, was occupied at the time of the loss as follows, and for no other purpose whatever. Occuppied 3. Title and Interest: At the time of the bss the interest of your insured in the property described therein was: Owner No other person or persons had any interest therein or incumbrance thereon, except: None 4. Changes: Since the said policy was issued there has been no assignment thereof, or change of interest, use, Occupancy, possession, location, or exposure of the property described, except: None 6. Total Insurance: The total amount ofinsurance upon the property described by this policy was, at the time of the loss, $221,000.00 as more particularly specfiied in the apportionment attached under Schedule'C," besides which there was no policy or other contrad of insurance, written or oral, valid or invalid. 6. The Full Replacement Cost of said property at the time of the loss was $219,160.97 7. The Full Cost of Repair or Replacement is $59,931.82 8. Applicable Depreciation or Betterment is $9,561.75 9.Actual Cash Value Loss is (Line 7 minus Line 8) $50,307.07 10. Less deductibles andlor partlcipation by the insured - ~ $1,000.00 11. Actual Cash Value Claim is (line 9 minus Line 10) $49,370.07 12. Supplemental Claim, to be filed in accordance with the terms and condkions of the Replacement Cost Coverage within 180 days from the date of loss as shown above, will not exceed. $9,561.75 (This figure will be that portion of the amounts shown on Lines 8 and 10 which is recoverable.) The said loss did not originate by any act, design or procurement on the part of your insured, or this affiant; nothing has been done by or with the privity or consent of your Insured or this afflant, to violate the conditions of the policy, or render it void; no artlcles are mentioned herein or in annexed schedules but such as were destroyed or damaged at the time of said loss; no property saved has in any manner been concealed, and no attempt to deceive the said company, as to the extent of said loss, has in any manner been made. Any other information that may be required will be furnished and considered a part of this proof. The furnishing of this blank or the preparation of proofs by a any of its rights. State of Fo nia County of representative of th a it r rice company is not a waiver of x .~`'~aGE AGr.'~.~_ Subscribed and sworn before me this ~ day of 1 20 11 ~~ V ~- Notary Public Farm FF003 (Rev. 11/88) PRHITm IN U SA (OVER) SCHEDULE "A"-POLICY FORM r~ ~.........~7 d ~ ~; ExP Og,•.~ i i _ • ~~ •~ ~• ~• _ ';~ 'OUB~~r' ;' i .~ ~ .~ ; ~ • ~ `~ ~~~~''~~~ J EF'`5~~~~` X1111111 Date: September 15, 2011 To: Scott Dinner, Esquite 3117 Chestnut Street Camp Hill, PA 17011 Regarding Customer: Lucrezia Adragna 1824 Blacklatch Lane Middletown PA 17057 To Whom It May Concern: This letter is verification that the customer named above has an account with Wells Fargo. This account number ending in -5861, was opened 09/26/1996 and has a current balance of $241.23. If you need deposit information, refer to the customer named above. The account holder can provide deposit information from their monthly statements. If you have any questions please call us at 1-800-TO-WELLS (1-800-869-3557). Phone Bankers are available to assist you 24 hours a day, 7 days a week. Premier Banker 717-737-3479 Sin rely 1 Nghia Ho ~~ o~ ~Q~ ~~a~,c~ QS o4 ~' aye - - ra ~.~7/~d I~ 2010 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. DSG4236 (7-10 129971) . . st MEMBERS 1St FEDERAL CREDIT UNION Send Inquires to: 5000 Louise Drive PO Box 40 Mechanicsburg, PA 17055 www.memberst st.org Main Switchboard: (717) 697-1161 or (600) 283-2328 F2 Call: (717)697-4372 or (800)283-4372 TDD: (717) 697-5312 or (800) 283-2328 ext. 5312 TeleBranch: (717}795-6049 or (800)237-7288 Statement of Accounts 1 LUCREZIA ADRAGNA 1211 MEADOW LANE STEELTON PA 17113 Dec 25, 2010 thru Jan 24, 2011 Account Number: 325047 Balances at a Glance: Checking: 1, 063.63 Savings: 10.93 Certificates: o . 00 Loans: o . 00 Money Management: o.oo Swipe 5 YTD Reward: o.oo Page: 1 of 1 Your aggregate balance as of January 1st is $1,074.56. An aggregate balance of $2,500 and having 3 products will place you in the Silver MLR level. Want to earn some extra cash? Take advantage of our CASH4U referral program. Ask an associate for details. CHECKING ACCOUNTS 0.011 -CHECKING Date Transaction Description Additions Subtractions Balance Dee ?5, Balance Forward 1,063.63 Jan 24 Ending-Balance 1,063.63 2010 Dividends Paid 14.63 SAVINGS ACCOUNTS -'0000 - REGULAR SAVINGS Date Transaction'Descriatfon Additions Subtractions Balance Dec 25 Balance Forward 10.93 Jan 24 Ending Balance 10.93 2010 Dividends Paid 5:'.93 YTD SUMMARIES TOTAL DIVIDENDS PAID 0000 REGULAR SAVINGS 0.00 00]1 CHECKING 0:00 Total Year To Date Dividends Paid 0.00 NOTE: Total includes closed'shares Total 2010 Dividends Paid - 20.56 Don't forget about our new Member Loyalty Rewards Program. .The more products you have with us, the more benefits you'll receive. Ask an associate for details or visit our website at www.memberslst.org for details. p n n a 0 0 a °~ 0 °.u 0 a a ~' 3 H N n ~ ~ ~ VI ~ [ F C F ~ o . ~ q U C dS i [[ A ~ 7 ~ .q ~ ~ a + yy C N O N .G ' N ~ yy A ZL U ¢~ W Fa '+ m 0. 3 's 3 a 3 ° y ~ /1 N c. H O ~ O ~ O O 0 O i C'~ i n N CJ M .~' N a 0 c. O c~ ti ~.° 0 0 0 ~ F Ilii`L9911 a O O p i i ^i , r,7 ' ~ M s ^++ ~ ~ i+ O O Q k~k W 0 0 0 ~ ~. o ~ p ,~ 0 0 O ,d ~ ^,L ~ F aG eC ~ o A ~ idU~~ n r ~ ~~ ~ app z A h J w a Zpp c7 ~~ eq 0 0 0 e 0 o a p QQ~ ~ '? aoo , ~o U ~ ~ d o+ ~ `o ~ ~ ~ °o ~ o ~ n ~ ~ M ~ ~ " ~ ~ ~ a ~p o p ~ ,d~~~ ~~~d o0 w m o ~~ da ~ ~ .ra p~ p ~ d p °G .`9 ~ a Lo ~d p~ z~~aUi ~ ~ ~~p, ~ ~N ~~ ~~ ~~Q~ ~ ~ ~ aE+ H ~ z ~ z ~ ~ ~ ~d i N 0 N W O ~ ,., ~ Perspective Fixed & Variable Annuity Quarterly .Statement For the Period of 10/01/2010 to 12/3112010 www. iackson. com Prepared for: LUCREZIA ADRAGNA 1211 MEADOW LANE STEELTON PA 17113 Activity Summary This Year Since Quarter To Date Issue Date Beginning Value 3~v,672.4t Totallnvestments 30.00 Total Withdrawals so.oo Total Tax Withheld 30.00 Net Change 33,686.85 Value on 12./31/10 $131,359.26 § so.ao stao,ooo.oo so.oo 30.00 30.00 30.00 C ~ S ~;,~ ~T r~~ r\ATli7tV:4L Lli-E If~`UtLANCE COhfPANY r ~,~,~~- ~~ Your Representative: LISA SULLIVAN ISI FINANCIAL GROUP 26 A EAST ROSEVILLE RD LANCASTER PA 17601 M'~° ~< ca''1 r` SrokerlDealer: COMMONWEALTH FINANCIAL NETWORK Contract Information as of 1213712010 Contract Number: Type of Plan: Inception Date: Annuitant(s): Owner(s): 009021317A Non-qualified 7/21/97 LUCREZIA ADRAGNA LUCREZIA ADRAGNA Benefits Death Benefit: $154,174.84 Glossary on last page. See prospectus and your contract for more information on optional benefits added to your contract by rider or endorsement. ~5t l~ ~o~ ~~t~ Remember, your contract is a valuable asset. Canceling or replacing your contract could result in adverse tax consequences. You should also consul[ your [ax advisor before engaging in either of these transactions. If you have any service questions regarding your contract, please call your financial representative or a Customer Service Representative at 1-800/644-4565. Performance changes over time. Please visit vwvw.jackson.com for daily performance updates. Any other information required by Exchange Act Rule tOb-10(a) shall be furnished upon request. The Perspective Fixed and Variable Annuity (VA200 Not available in all states. State variations may apply.) is issued by Jackson National Life Insurance Compamf ,Lansing, Ml. Jackson National Life Distributors LLC, member FINRA. 1 Corporate Way, Lansirig MI 48951 Please include your contract number on your check when sending additional premium. ~ Questions about your statement or contract? Jackson Service Center, P.O. Box 24066, Lansing, MI 48909-4068; ~ Contact your representative indicated above. or, Express mail: Jackson Service Center, 1 Corporate Way Lansing, MI 48951 J:f~F ~~., I Visit us online at www.jackson.com ' 24-hour automated service: 7-800/644-4565 ' ~~ Service representatives available Mon. -Fri. Sam - 8pm ET Z ~ ~ S t ,~, J :_ .: t a f f ~. a ' ti; ~` Z 0 Q z O Um o W c~~ C1 '^ 0 y z a O~ k. ~~ ~o ~ O 5 O Q x Q Z .~f Q M a' W .-~ 1 .-, ~~ c d' H N o a N a~ a¢ - c~ z + .-i . F- c.) W O~ LL J J i-i ~ W '6 ,~ Z ~n ~ ~ .-i W V1 O .+ W , CV.? m yG H L a: M a ~` d. W Cr _n o ~ N 0 ~_ T a_ 0 d 1 ~ O' chi wF` IW+ ~` C d 6~1 7 *' F-f ~o ~ ~' J O f0 4 M '~ _~ i~ tY1 o $ r ~ $' 8 m E ~ a y a 4 w to C ~ T ~~ ~ ~ S o $ Or p ii N p ~ L emV ~ C cN ` W G l ® ~ 0 8 Q O ~ K O N n - ~ o ~- v N n. In Su G S C Q~ U ~ e o~ N N ~ N N V. O ~ ~ 1A Ili ~~ ~~ N G u G zz O ~ V a~o h z V V U a a ro U u CU .S <h< a oz .. lt, ~~ 'u q~~ O ~~ o {CRaa~j ~ o G ~~4 zoo VIZ zap w !A~~ ~ ~W jj{~~.~.,,,,~~~~ O L 5 ~ ~ggg 5 A ~ C W ~ ~ ~ ~ a Z rl g O N gQ ~x ~ M ~ i.X a°