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HomeMy WebLinkAbout01-15-13 1505611188 REV-1500 EX(02-11)(FI) pennsytvania OFFICIAL USE ONLY PA Department of Revenue County Code Year File Number Bureau of vidualTaxes PO BOX 2806 280801 INHERITANCE TAX RETURN PO BO Harrisburg, PA 17128-0801 RESIDENT DECEDENT 21 12 0 5 4 2 ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 209 46 1581 04 17 2012 10 03 1957 Decedent's Last Name Suffix Decedent's First Name MI Scott Gregory C (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name 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 = 2. Supplemental Return O 3. Remainder Return (Date of Death Prior to 12-13-82) l~ 4. Limited Estate O 4a. Future Interest Compromise (date of O 5. Federal Estate Tax Return Required death after 12-12-82) l~ 6. Decedent Died Testate = 7. Decedent Maintained a Living Trust 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust) O 9. Litigation Proceeds Received O 10. Spousal Poverty Credit (Date of Death 0 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 Todd F. Truntz, Esquire 712 612 EAQ7 tit c7 kf3lSTEROFFwkLSU;SfU, Y C 3 ^ First Line of Address Saidis, Sullivan & Rogers Second Line of Address x; 635 North 12th Street, Suite 400 City or Post Office State ZIP Code DA-TE.FILED Lemoyne PA 17043 Correspondent's e-mail address: ttruntz@ssr-aftorneys.com Under penalties of perjury, I declare that) have examined this return, including accompanying schedules and statements, and tothe bestof my knowledge and belief, it is true, correctand complete. Declaration of the preparer other than personal representative is based on all information of which preparer has any knowledge. SIGNATU FPERSON RESPONSIBL OR F ING RE URN DATE c ) _-s ADDRES 109 Walton Street Lem e, PA 17043 AREROTHERTHANREPRESENTATIVE D TE ADDRESS 635 No 12th Street, Sul a 40 Lemoyne, PA 17043 PLEASE USE ORIGINAL FORM ONLY Side 1 1505611188 1505611188 J 1505611288 Rev-1500 EX (FI) Decedent's Social Security Number Decedent's Name: Gregory C Scott 209 46 1581 RECAPITULATION 1. Real Estate (Schedule A) 1. 128,000-00 2. Stocks and Bonds (Schedule B) • • • • • 2. 3 2 6 . 4 9 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) . . . . . . 3. 0 • 00 4. Mortgages and Notes Receivable (Schedule D) • • • • • • • • • • • • • • • • • • • • • • 4. 0 • 00 5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E) 5. 5,342 - 03 6. Jointly Owned Property (Schedule F) O Separate Billing Requested 6. 4 , 0 2 7 .83 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) 0 Separate Billing Requested 7. 0 .00 8. Total Gross Assets (total Lines 1 through 7) 8. 13? , 696 .35 9. Funeral Expenses and Administrative Costs (Schedule H) 9. 191420 .70 10. Debts of Decedent, Mortgage Liabilities, and Liens Schedule I 10. 67 , 295 .75 11. Total Deductions (total Lines 9 and 10) 11. 86 , 716 . 45 12. Net Value of Estate (Line 8 minus Line 11) 12. 501979 • 9 0 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. 50 , 979 • 90 TAX CALCULATION - SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X .00 0-00 15. 0.00 16. Amount of Line 14 taxable 50-,979-90 2 2 9 4 • 10 at lineal rate X .045 16. 17. Amount of Line 14 taxable at sibling rate X .12 0-00 17. 0.00 18. Amount of Line 14 taxable at collateral rate X .15 0-00 18 0.00 19. TAX DUE 19. 2 ,294 •1 0 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Side 2 1505611288 1505611288 Rev-1500 EX (FI) Page 3 File Number Decedent's Complete Address: 21 12 0542 DECEDENTS NAME Gregory C. Scott STREET ADDRESS 1186 Shoreham Road CITY STATE ZIP Cam Hill PA 17011 Tax Payments and Credits: 1. Tax Due (Page 2 Line 19) (1) 2.294.10 2. Credits/ Payments A. Prior Payments 2,400.00 B. Discount 114.70 Total Credits (A + B) (2) 2,514.70 3. Interest (3) 0.00 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. (4) 220.60 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) Make check payable to: REGISTER OF WILLS, AGENT. PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred • • • • • • • • • • • • • • • • • ❑ b. retain the right to designate who shall use the property transferred or its income • . ❑ c. retain a reversionary interest ❑ d. receive the promise for life of either payments, benefits or care? ❑ 2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? • • • • • • • • • • • • • • • • • • . ❑ 3. Did decedent own an "in trust for" or payable-upon-death bank account or security at his or her death? ❑ 4. Did decedent own an individual retirement account, annuity or other non-probate property, which contains a beneficiary designation? ❑ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994 and before Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent [72 P.S. Sect. 9116(a)(1.1)(i)]. For dates of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S. Sect. 9116(a)(1.1)(ii)]. The statue does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: • The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent, an adoptive parent or a stepparent of the child is 0 percent [72 P.S. Sect. 9116(a)(1.2)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent, except as noted in [72 P.S. Sect. 9116(a)(1)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent [72 P.S. Sect. 9116(a)(1.3)]. A sibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. REV-1502 EX+(01-10) pennsylvanfa SCHEDULE A DP PAR I MFW Of: RFWN'VE IN HER ITANCE TAX RETURN REAL ESTATE RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Gregory C. Scott 21 12 0542 All real property owned solely or as atenant 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 relevantfacts. Real property that is jointly-owned with right of survivors hip must be disclosed on Schedule F. Attach a copy of the settlement sheet if the property has been sold. ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 1186 Shoreham Road, Camp Hill, PA 17011 128,000.00 Per appraisal TOTAL (Also enter on Line 1, Recapitulation.) 128,000.00 If more space is needed, insert additional sheets of the same size. REV -1503 EX+ (6-98) 1* SCHEDULE B COMMONWEALTH OF PENNSYLVANIA STOCKS & BONDS INHERITANCETAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Gregory C. Scott 21 12 0542 All property jointly-owned with right of survivorhsip must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Putnam Voyager Fund A 326.49 Per 9/12/1/2 letter TOTAL (Also enter on line 2, Recapitulation) 326.49 (If more space is needed, insert additional sheets of the same size) REV-1508 EX+(11-10) Pennsylvania SCHEDULE E C7EpFlf?TMFN: pf gEVe NV.} CASH, BANK DEPOSITS, & MISC. IN HERITANCETAXRETURN PERSONAL PROPERTY RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Gregory C. Scott 21 12 0542 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Members 1st Federal Credit Union Checking Acct 124559-11 26.94 Per 6/25/12 letter 2 Members 1st Federal Credit Union Savings Acct 124559-00 25.20 Per 6/25/12 letter 3 Mutual of Omaha Insurance Company Refund 13.71 4 Aflac Refund 60.00 5 Argus Refund 15.60 6 Allstate Refund 15.58 7 Commonwealth of PA Refund 54.00 8 Moneygram Payment Systems Check 100.00 9 2001 Volvo V40 Sedan, mileage 100,028 5,031.00 per kbb.com TOTAL (Also enter on line 5, Recapitulation) 5,342.03 If more space is needed, insert additional sheets of the same size REV-1509 EX+(01-10) pennsyluania SCHEDULE F DF:PARTMW OF4 RFW NJE' INHERITANCETAX RETURN JOINTLY-OWNED PROPERTY RESIDENTDECEDENT ESTATE OF: FILE NUMBER: Gregory C. Scott 21 12 0542 If an asset became jointly owned within one year of the decedent's date of death, it must be reported on Schedule G. SURVIVING JOINT TENANT(S) NAME(S) ADDRESS RELATIONSHIP TO DECEDENT A. Janet C. Roberts 109 Walton Street Mother Lemoyne, PA 17043 B. C. JOINTLY-OWNED PROPERTY: LETTER DATE DESCRIPTION OF PROPERTY. INCLUDE NAME OF FINANCIAL %OF DATE OF DEATH ITEM FORJOINT MADE INSTITUTION AND BANKACCTNUMBEROR SIMILAR IDENTIFYING DATEOFDEATH DECD'S VALUEOF NUM. TENANT JOINT NUMBER. ATTACH DEED FOR JOINTLY-HELD REAL ESTATE. VALUEOFASSET INTEREST DECEDENTS INTEREST 1 A 022212 Members 1st Federal Credit Union Savings 2,343.86 50.000 1,171.93 Acct 114574-00 owned jointly with Decedent's mother, Janet C. Roberts $2,343.60 plus $.26 accrued interest - Per 6/25/12 letter Janet Roberts' interest ($1,171.93) is part of her $3,000 exclusion since she became a joint owner within 1 year of Decedent's date of death. 2 A 022212 Members 1st Federal Credit Union Checking 2,702.63 50.000 1,351.32 Account 114574-11 owned jointly with Decedent's mother, Janet C. Roberts - Per 6/25/12 letter Janet Roberts' interest ($1,351.32) is part of her $3,000 exclusion since she became a joint owner within 1 year of Decedent's date of death. 3 A 022212 Members 1st Federal Credit Union Savings 3,009.16 50.000 1,504.58 Acct 114574-05 owned jointly with Decedent's mother, Janet C. Roberts $3,962.13 plus $.52 accrued interest - Per 6/25/12 letter A portion of Janet Roberts' interest ($476.75) is part of her $3,000 exclusion since she became a joint owner within 1 year of Decedent's date of death. Total from continuation Schedule(s) 0.00 TOTAL (Also enter on Line 6, Recapitulation) 4,027.83 If more space is needed, use additional sheets of paper of the same size. Page 2 Estate of: Gregory C. Scott 21 12 0542 Schedule F - Jointly-Owned Property Letter Date % of Date of Death Item for Joint Made Date of Death Decd's Value of Num. Tenant Joint Description of Property Value of Asset Interest Decedent's Interest 3 The gross 1/2 interest of $3,962.65 is being reported as $3,009.16 because the remaining portion of Janet Roberts' $3,000 exclusion in the amount of $476.75 has been subtracted. TOTAL. (Carry forward to main schedule) 0.00 REV-1511 EX+(10-09) lp, pennsyhrania SCHEDULE H pr PART MiFNT OF ftI-V-NV FUNERAL EXPENSES AND E TURN RESIDENT DE NT ADMINISTRATIVE COSTS RESIDENT ESTATE OF FILE NUMBER Gregory C. Scott 21 12 0542 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1 Musselmans Funeral Home 3,082.27 B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s) of Personal Representative(s) Street Address City State Zip Year(s) Commission Paid: 2. Attorney Fees 2,500.00 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation.) Claimant Street Address City State Zip Relationship of Claimant to Decedent 4. Probate Fees: 184.50 5. Accountant Fees: 6. Tax Return Preparer Fees: 13,653.93 TOTAL (Also enter on Line 9, Recapitulation) 19,420.70 If more space is needed, use additional sheets of paper of the same size. Page 2 Estate of: Gregory C. Scott 21 12 0542 Schedule H, Part B - Administrative Costs Miscellaneous Expenses Item Number Description Amount 7 Comcast 122.48 8 PPL 10.62 9 UGI 26.49 10 American Water 33.20 11 Saidis, Sullivan & Rogers, out of pocket expenses 75.00 12 Deluxe Check 13.95 13 Removal of dead tree 250.00 14 Lower Allen, refuse 108.95 15 PPL 9.43 16 American Water Company 32.35 17 Koppenhaver Appraisals, real estate appraisal 450.00 18 Death certificates 73.00 19 LAS Home Services, repairs to residence 1,650.00 20 LAS Home Services, repairs to residence 10,000.00 21 American Water ($33.27 - $29.59 refund) 3.68 22 Saidis, Sullivan & Rogers, out of pocket expenses 237.50 23 Bonnie K. Miller, taxes 302.28 24 Saidis, Sullivan & Rogers, out of pocket expenses (estimate) 100.00 25 Cumberland County Register of Wills, filing fees 30.00 26 Register of Wills, additional probate fee 125.00 TOTAL. (Carry forward to main schedule) 13,653.93 REV-1512 EX+(12-08) i pennsylvania SCHEDULE GF.PAR'I MFN7 OF RFWNVl DEBTS OF DECEDENT, ETURN IN HE RITANC TAX R RESIDENT D DECCEDEDEENNT MORTGAGE LIABILITIES & LIENS RESID ESTATE OF FILE NUMBER Gregory C. Scott 21 12 0542 Report debts incurred by decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Pennsylvania Housing Finance Agency Mortgage Loan Number 1062082 66,611.62 Principal due as of 5/7/12 2 Visa 215.54 3 Allstate F&C Insurance 74.27 4 UGI 13.00 5 PPL 22.77 6 PA Water 32.28 7 Lower Allen Sewer/Refuse 108.95 8 Holy Spirit 21.54 9 M. Hershey 32.95 10 Kantor 26.16 11 PR02 Respiratory Services 136.67 TOTAL (Also enter on Line 10, Recapitulation) 67,295.75 If more space is needed, insert additional sheets of the same size. REV-1513 EX+(01-10) -i pennsylvana SCHEDULE J G EPARI'MM, t1F REVr NJF ~~Ilff IN HER ITANCE TAX RETURN BENEFICIARIES RESIDENTDECEDENT ESTATE OF: FILE NUMBER: Gregory C. Scott 21 12 0542 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBS NAME AND ADDRESS OF PERSONS RECEIVING PROPERTY Do Not List Trustees OF ESTATE I TAXABLE DISTRIBUTIONS [Include outright spousal distributions, and transfers under Sec. 9116(a)(1.2).] Janet C. Roberts Mother 50,979.90 109 Walton Street Lemoyne, PA 17043 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 TH ROUGH 18 OF REV-1500 COVER SHEET, AS APPROPRIATE. II NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: TOTAL OF PART II - ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. If more space is needed, use additional sheets of paper of the same size. JN: t._ ?ENf REA-11G_' X('. 96. DEPARTMENT OF REVENUE BUREAU Or INDIVIDUAL TAXES DEPT,280601 HARRISBURG, PA 17 2&0601 PENNSYLVANIA RECEIVED FROM: INHERITANCE AND ESTATE TAX OFFICIAL RECEIPT NO. CD 016253 ROBERTS JANET C 109 WALTON ST LEMOYNE, PA 17043 ACN ASSESSMENT AMOUNT CONTROL NUMBER Wid 101 $2,400.00 ESTATE INFORMATION: SSN: 209-46-1581 FILE NUMBER: 2112-0542 DECEDENT NAME: SCOTT GREGORY C DATE OF PAYMENT: 07/13/2012 POSTMARK DATE: 07/12/2012 COUNTY: CUMBERLAND DATE OF DEATH: 04/17/2012 TOTAL AMOUNT PAID: $2,400.00 REMARKS: RECEIPT TO ATTY CHECK#110 INITIALS: WZ SEAL RECEIVED BY: GLENDA FARNER STRASBAUGH REGISTER OF WILLS TAXPAYER P #1 RESIDENTIAL APPRAISAL REPORT Property Location: 1186 Shoreham Rd Deed Book 257, Page 1178 Camp Hill, PA 17011 Borrower: Copeman, Kimberley Client: Vision Mortgage Capital 3425 Simpson Ferry Road Camp Hill, PA 17011 Effective Date: 08/21/2012 Prepared By: Richard P. Sellars, PA State Cert RE Appraisers P.O. Box 462 Hummelstown, PA 17036 Form GA7 - °WInTOTAP appraisal software by a la mode, inc. - 1-800-ALAMODE E.J. Koppenhaver P #2 Koppenhaver Appraisals P. O. Box 462 Hummelstown, PA 17036 Phone: 717-889-1904 Vision Mortgage Capital 3425 Simpson Ferry Road Camp Hill, PA 17011 Re: Property: 1186 Shoreham Rd Camp Hill, PA 17011 Borrower: Copeman, Kimberley File No.: 120814ir In accordance with your request, we have appraised the above referenced property. The report of that appraisal is attached. The purpose of this appraisal is to estimate the market value of the property described in this appraisal report, as improved, in unencumbered fee simple title of ownership. This report is based on a physical analysis of the site and improvements, a locational analysis of the neighborhood and city, and an economic analysis of the market for properties such as the subject. The appraisal was developed and the report was prepared in accordance with the Uniform Standards of Professional Appraisal Practice. The value conclusions reported are as of the effective date stated in the body of the report and contingent upon the certification and limiting conditions attached. It has been a pleasure to assist you. Please do not hesitate to contact me or any of my staff if we can be of additional service to you. Sincerely, Richar E.J. Koppenhaver Pa # Summary Appraisal Report 1205009847 Uniform Residential Appraisal Report File# 120814ir The purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject propert . Pro ertAddress 1186 Shoreham Rd City Cam Hill State PA Zip Code 17011 Borrower Co eman Kimberley Owner of Public Record Scott Estate County Cumberland Legal Description Deed Book 257, Page 1178 Assessor's Parcel # 13-23-0545-097 Tax Year 2012 R.E. Taxes $ 1,756 Neighborhood Name Highland Park / Lower Allen Township Ma Reference 6 CoMetro Census Tract 0109.00 Occupant ❑ Owner ❑ Tenant Z Vacant Special Assessments $ 0 ❑ PUD HOA $ 0 ❑ per year ❑ per month Property Rights Appraised Fee Simple ❑ Leasehold ❑ Other describe Assignment Type ® Purchase Transaction ❑ Refinance Transaction ❑ Other describe Lender/Client Vision Mortgage Capital Address 3425 Simpson Ferry Road Ste 203, Cam Hill PA 17011 Is the subject properly offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? ❑ Yes ® No Report data sources used, offering price(s), and dates . Owner and local MLS I ® did ❑ did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not performed. Arms length sale;The current contract on the subject property for conventional financing with no seller participation in buyer's closing costs. Contract Price $ 120,000 Date of Contract 08/09/2012 Is the property seller the owner of public record? ® Yes ❑ No Data Sources Count Records Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? ❑ Yes ® No It Yes, report the total dollar amount and describe the items to be aid. $0;;N/A Note: Race and the racial composition of the nei hborhood are not appraisal factors. Neighborhood Chamcteristics One-Unit Housing 'Trends One-Unit Housing Presets Land Use % Location ❑ Urban ® Suburban ❑ Rural Property ❑ Increasing ® Stable Declining PRICE AGE One-Unit 9o % Built-U ® Over 75% ❑ 25-75% ❑ Under 25% Demand/Supply ❑ Shortage ® In Balance Over Supply $(000) rs 2-4 Unit % Growth ❑ Rapid ® Stable Slow Marketing Time Under 3 mths ® 3-6 mths Over 6 mths 100 Low 40 Mufti-Family % Neighborhood Boundaries MSA.# 3240. The neighborhood is bounded on the east b U.S.Rt. 83, on the 200 High 70 Commercial 10 % west b Commercial Dr, on the north b Lowther Rd. on the south b Carlisle Rd. 140 Pred. 60 Other % Neighborhood Description The subject is located in Lower Allen Township, Cumberland Count PA. The neighborhood consists of a compatible mix of most) 60+- year old detached 1 and 2 story homes of varying quality intermixed with some commercial establishments on the fringe of the neighborhood. All amenities are convenient to the sub act property. Market Conditions (including support for the above conclusions General marketing conditions in the area are rated as average as the date of this appraisal with home prices remaining relative) stable in this area and projected subject rice range. Typical loan discounts in the area are one to three points and are generally aid b the buyer but participation from the seller is not uncommon at this time. Dimensions Per Count Records & Attached Legal Area 6,098 sf Shape Rectangular View N Res Res Specific Zoning Classification R 1 Zoning Description Residential Single Family Established Zoning Compliance Legal Legal Nonconforming Grandfathered Use ❑ No Zoning ❑ Illegal describe Is the highest and best use of subject property improved or as proposed per plans and specifications) the resent use? ® Yes ❑ No If No, describe Utilities Public Other (describe) Public Other (describe) Off-she Improvements - Type Public Private Electricity Water ® ❑ Street Asphalt ® ❑ Gas Z 1:1 Sanitary Sewer ® ❑ Alley None ❑ ❑ FEMA Special Flood Hazard Area Yes ® No FEMA Flood Zone X FEMA Ma # 42041 CO282E FEMA Ma Date 03/16/2009 Are the utilities and off-site improvements typical for the market area? ® Yes ❑ No If No, describe Are there an adverse site conditions or external factors easements, encroachments, environmental conditions, land uses, etc.)? Yes ® No If Yes, describe General Description Foundation ` Exterior Description materials/condition Interior materials/condition' Units ® One One with Accessory Unit ® Concrete Slab Crawl Space Foundation Walls Block/Average Floors C t/HW/Vin I/Av # of Stories 1 Full Basement Partial Basement Exterior Walls Brick/Alum/Average Walls Drywall/Avg. Type Det. Att. ❑ S-De1JEnd Unit Basement Area 696 s .ft. Roof Surface As haltShin /Av . Trirn/Finish Colonial/Avg. Existing Proposed Under Const. Basement Finish 0 % Gutters & Downspouts Aluminum/Av . Bath Floor Vin I/Av . Design (Style) Ranch ❑ Outside Entry/Exit Sum Pump Window Type DH&Case/Av . Bath Wainscot C-Tile/Av . Year Built 1959 Evidence of Infestation Storm Sash/Insulated Thermo ane/Av . Car Stora a None Effective Age rs 20 ❑ Dampness [-1 Settlement Screens Yes/Avera Le ® Driveway # of Cars 1 Attic None Heating. FWA 11 1 HWBB Radiant Amenities Woodst0"(,) # 0 Driveway Surface Asphalt ❑ Drop Stair Stairs ❑ Other Fuel Gas ® Fireplace(s) # 1 ❑ Fence None ❑ Garage # of Cars 0 Floor Scuttle Cooling Central Air Conditioning Palio/Deck Side Porch None Carport # of Cars 1 ❑ Finished ❑ Heated ❑ Individual ❑ Other ❑ Pool None ❑ Other None X Att. ❑ Del. ❑ Built-in Appliances ❑ Refrigerator ® Ran e/Oven ❑ Dishwasher ❑ Disposal ❑ Microwave ❑ Washer/Dr er ❑ Other describe Finished area above grade contains: 6 Rooms 3 Bedrooms 1.0 Baths 1,057 Square Feet of Gross Living Area Above Grade Additional features (special energy efficient items, etc.. New as furnace and central air, ffireplace in living room thermo ane windows. Describe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.. C4•No updates in the prior 15 ears Home is in the process of being renovated. Are there an physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? ® Yes ❑ No It Yes, describe Home is in process of being renovated and appraisal is made " Subject To Repairs Completed Does the property generally conform to the neighborhood functional utility, style, condition, use, construction, etc.)? Yes ❑ No If No, describe Freddie Mac Form 70 March 2005 UAD Version 9/2011 Page 1 of 6 Fannie Mae Form 1004 March 2005 Form 1004UAD - "WinTOTAL° appraisal software by a la mode, inc. -1-800-ALAMODE P #4 1205009847 Uniform Residential Appraisal Report File# 120814Ir There are 4 comparable properties current) offered for sale in the subject neighborhood ranging in rice from $ 100,000 to $ 150,000 There are 11 comparable sales in the sub ect neighborhood within the past twelve months ranging in sale rice from $ 100,000 to $ 150 000 FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 1186 Shoreham Rd 1177 Shoreham Rd 1304 Kingsley Rd 308 Manchester Rd Cam Hill PA 17011 Cam Hill PA 17011 Cam Hill PA 17011 Cam Hill PA 17011 Proximit to Subject 0.05 miles E 0.12 miles SW 0.16 miles SW Sale Price $ 120,0001 Is 144,000 " $ 131,500 $ 128,000 Sale Price/Gross Liv. Area $ 113.53 5 .ft. $ 133.09 s .ft. $ 127.30 s ft. $ 123.91 s .ft. Data Sources MLS # 10210940 DOM 45 MILS # 10219203 DOM 56 MLS # 10211479;DOM 100 Verification Sources Cumberland Tax Records Cumberland Tax RedA raiser Cumberland Tax Records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Adjustment DESCRIPTION _±_L) $ Adjustment DESCRIPTION + - $ Adjustment Sales or Financing Arml-th Arm Lth Arml-th Concessions FHA 6887 -2,567 Conv6500 -2,555 FHA•5000 -1,160 Date of Sale/Time s09/1 1;cO8/1 1 s06/12 cO4/12 s02/12•cl0/11 Location N;Res Res N;Res;Res N;Res•Res N Res;Res Leasehold/Fee Simple Fee Simple Fee Simple Fee Simple Fee Simple Site 6,098 sf 6,098 sf 6,098 sf 6,098 sf View N Res Res N•Res;Res N Res Res N•Res Res Design (Style) Ranch Ranch Ranch Ranch Quality of Construction Q5 Q5 Q5 Q5 Actual Age 53 62 0 62 0 52 0 Condition C4 C4 C4 C4 Above Grade Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths Room Count 6 3 1.0 6 3 1.0 6 3 1.0 6 3 1.0 Gross Living Area 1,057 s .fl. 1,082 s q-111. 0 1,033 s .ft. 0 1,033 5 .ft. 0 Basement & Finished 696sfOsfin 696sf3OOsfin 0 1033sf400sfin 0 1033sfOsfin 0 Rooms Below Grade 1rrObrO.ObaOo -1500lrrlbrO.1baOo -3,000 Functional Utility Avera a Averaqe Average Average Heatin Coolin GFWA/Central GFWA/Central GFWA/Central GFWA/Central Energy Efficient hems Thermo panes Thermo panes Thermo panes Thermo panes Gara a/Car ort 1 Carport 1 Carport 1 Car Detached -2,000 1 Carport Porch/Patio/Deck Patio Porch Patio -1,000. Porch 0 Patio 1 Fireplace 1 Fireplace 1 Fireplace None +1,500 None None None None None None None None Net Adjustment otal + ® $ -5,067 + Is -7,555 ® + ❑ - $ 340 Adjusted Sale Price Net Adj. 3.5% Net Adj. 57 % Net Adj. 03% of Com arables Gross Ad j. 3.5% $ 138,933 Gross Ad j, 5.7% $ 123,945 Gross Ad j. 2.1 128 340 I did did not research the sale or transfer history of the subject property and comparable sales. If not, explain M research ❑ did ® did not reveal an prior sales or transfers of the subject properly for the three ears prior to the effective dale of this appraisal. Data Sources Count Records M research ❑ did ® did not reveal an prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale. Data Sources Count Records Report the results of the research and analysis of the prior sale or transfer history of the subject properly and com arable sales (report additional prior sales on page 3). ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3 Date of Prior Sale/Transfer Price of Prior Sale/Transfer Data Sources Count Records Count Records Count Records Count Records Effective Date of Data Sources 08/22/2012 08/22/2012 08/22/2012 08/22/2012 Analysis of prior sale or transfer history of the subject property and comparable sales No prior sale of the subject property the last 36 months. No prior sale of the com arables within the 12 months previous to reported sale date. Summa of Sales Comparison Approach The subject property a 3 bedroom 1 bath ranch home located in the well established neighborhood of Highland Park. The sale is a private family sale with the sister buying the home from the estate of her brother. The home is in the process of being renovated with a new electrical service new as furnace with central air, and a remodeled kitchen. All 3 com arables were similar ranch homes located in the subject neighborhood. These were considered to be the best available com arables at this time and establish a range of value for the subject property.- Seller concessions of over 3% have been adjusted at a dollar for dollar amount over 3% on the comparable sales. " Indicated Value b Sales Comparison Approach $ 128,000 Indicated Value b : Sales Comparison Approach $ 128,000 Cost Approach (if developed) $ Income Approach (if developed) $ The direct sale comparison approach is considered to be the most accurate method of achieving fair market value. Insufficient data was available to develop the income approach. The costa roach was also not considered an accurate method of achieving value. An unauthorized changes to this appraisal after it has been signed will void the appraisal, This appraisal is made ❑ "as is", ❑ subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed, ® subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or ❑ subject to the following required inspection based on the extraordinary assumption that the condition or deficient does not require alteration or repair: Subject to the electrical furnace and central air, and kitchen being completed. Based on a complete visual inspection of the interior and exterior areas of the subject propertyy, defined scope of work, statement of assumptions and limiting conditions, and appraiser's certification, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is $ 128,000 as of 08/21/2012 which is the date of inspection and the effective date of this appraisal. Freddie Mac Form 70 March 2005 UAD Version 9/2011 Page 2 of 6 Fannie Mae Form 1004 March 2005 Form 1004UAD - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Pa e #5 1205009847 Uniform Residential Appraisal Report File# 120814lr The com arables sale rices range from $ 128,000 to $ 144,000. The corn arables rice per S Ft range from 123.91 to 133.09. .The ad usted sales prices range from $ 123,945 to $ 138 933. The appraised value of the subject property within the com arables adjusted sales prices. AS PER 2012 USPAP GUIDELINES THE CONCLUSION OF VALUE IN THE REPORT IS BASED UPON AN EXPOSURE TIME OF 3 to 6 MONTHS. THE ESTIMATED LENGTH OF TIME THAT THE PROPERTY INTEREST BEING APPRAISEED WOULD HAVE BEEN OFFERED ON THE MARKET PRIOR TO THE HYPOTHETICAL CONSUMMATION OF A SALE AT MARKET VALUE ON THE EFFECTIVE DATE OF THE APPRAISAL. I HAVE NO CURRENT OR PROSPECTIVE INTEREST IN THE SUBJECT PROPERTY OR THE PARTIES INVOLVED; AND NO SERVICES WERE PERFORMED BY THE APPRAISER WITHIN THE THREE YEAR PERIOD IMMEDIATELY PRECEDING ACCEPTANCE OF THIS ASSIGNMENT AS AN APPRAISER OR IN ANY CAPACITY " Please note that the sales and listings on the to of page 2 reflect the defined subject neighborhood only where the 1004MC addendum reflects a larger area than the neighborhood.- COST APPROACH TO VALUE not required b 'Fannie Mae) Provide adequate information for the lender/client to replicate the below cost figures and calculations. Support for the opinion of site value summa of comparable land sales or other methods for estimating site value The estimated site value was determined from the Cumberland Count Tax Assessment. ESTIMATED ❑ REPRODUCTION OR ❑ REPLACEMENT COST NEW OPINION OF SITE VALUE. 25,900 Source of cost data DWELLING S .Ft. @ $ Quality ratio from cost service Effective date of cost data S .Ft. $ Comments on Cost Approach (gross living area calculations, depreciation, etc. The costa roach is not considered a valid method of achieving fair Garage/Carport S .Ft. $ market value for the subject property was not used in this appraisal. Total Estimate of Cost-New Less Ph sical Functional External Depreciation Depreciated Cost of Im rovements "As-is" Value of Site Improvements Estimated Remaining Economic Life (HUD and VA only 40 Years INDICATED VALUE BY COST APPROACH INCOME APPROACH TO VALUE (not required b Fannie Mae) Estimated Monthly Market Rent $ X Gross Rent Multiplier = $ Indicated Value b Income Approach Summa of Income Approach (including support for market rent and GRM PROJECT INFORMATION FOR PUDs (if applicable) Is the developer/builder in control of the Homeowners' Association HOA ? ❑ Yes ❑ No Unit type(s) ❑ Detached ❑ Attached Provide the following information for PUDs ONLY if the developer/builder is in control of the HOA and the subject property an attached dwelling unit. Legal Name of Pro eci Total number of phases Total number of units Total number of units sold Total number of units rented Total number of units for sale Data source(s) Was the project created b the conversion of existing building(s) into a PUD? ❑ Yes No If Yes, date of conversion. Does the project contain an multi-dwelling units? ❑ Yes No Data Source Are the units, common elements, and recreation facilities complete? Yes ❑ No If No, describe the status of completion, Are the common elements ]eased to orb the Homeowners' Association? ❑ Yes ❑ No If Yes, describe the rental terms and options, Describe common elements and recreational facilities. Freddie Mac Form 70 March 2005 ILIAD Version 9/2011 Page 3 of 6 Fannie Mae Form 1004 March 2005 Form 1004UAD - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE P #6 1205009847 Uniform Residential Appraisal Report File# 120814ir This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. *Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it, except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be performed in a professional manner. Freddie Mac Form 70 March 2005 UAD Version 9/2011 Page 4 of 6 Fannie Mae Form 1004 March 2005 Fo,m 1004UAD - "WinTOTAL' appraisal soft are by a la mode, inc. - 1-800-ALAMODE P e #7 1205009847 Uniform Residential Appraisal Report File# 1208141r APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. 1 have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. 1 performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. 1 performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. 1 developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. 1 researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. 1 researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. 1 selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. 1 have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. 1 have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. 1 verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. 1 have knowledge and experience in appraising this type of property in this market area. 12. 1 am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. 1 obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. 1 have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. 1 have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. 1 stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. 1 have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. 1 personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. 1 identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Freddie Mac Form 70 March 2005 UAD Version 9/2011 Page 5 of 6 Fannie Mae Form 1004 March 2005 Form 1004UAD - "WInTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE P # 1205009847 Uniform Residential Appraisal Report File# 1208141r 21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. 1 am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation (s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. 1 directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. 1 accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER r SUPERVISORY PPRMSER (ONLY IF REQUIRED) Signature Signature Name Richard P, JAWMZSAe Ce Name Ed en ate Cert. RE Appraiser l4pw Company Name Ko enhaver A raisals Company N e Koppenhaver Appraisals Company Address P.O. Box 462 Company Address P.O. Box 462 Hummelstown, PA 17036 Hummelstown, PA 17036 Telephone Number (717) 889-1904 Telephone Number (717) 889-1904 Email Address rick(ftestappraisers.com Email Address edCa)bestappraisers.com Date of Signature and Report 08/22/2012 Date of Signature 08/2212012 Effective Date of Appraisal 08/21/2012 State Certification # RL001154L State Certification # RLOO1908L or State License # or State License # State PA or Other (describe) State # Expiration Date of Certification or License 06/30/2013 State PA Expiration Date of Certification or License 06130/2013 SUBJECT PROPERTY ADDRESS OF PROPERTY APPRAISED ® Did not inspect subject property 1186 Shoreham Rd ❑ Did inspect exterior of subject property from street Camp Hill, PA 17011 Date of Inspection APPRAISED VALUE OF SUBJECT PROPERTY $ 128,000 ❑ Did inspect interior and exterior of subject property LENDER/CLIENT Date of Inspection Name No AMC COMPARABLE SALES Company Name Vision Mortgage Capital Company Address 3425 Simpson Ferry Road Ste 203, Camp Hill, ® Did not inspect exterior of comparable sales from street PA 17011 ❑ Did inspect exterior of comparable sales from street Email Address cwarnerCo)visionmortgagecapital.com Date of Inspection Freddie Mac Form 70 March 2005 UAD Version 9/2011 Page 6 of 6 Fannie Mae Form 1004 March 2005 Form 1004UAD - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE P # 1205009847 File No. 1208141r UNIFORM APPRAISAL DATASET (UAD) DEFINITIONS ADDENDUM (Source: Fannie Mae UAD Appendix D: UAD Field-Specific Standardization Requirements) Condition Ratings and Definitions C1 The improvements have been very recently constructed and have not previously been occupied. The entire structure and all components are new and the dwelling features no physical depreciation.* *Note. Newly constructed improvements that feature recycled materials and/or components can be considered new dwellings provided that the dwelling is placed on a 100% new foundation and the recycled materials and the recycled components have been rehabilitated/re-manufactured into like-new condition. Recently constructed improvements that have not been previously occupied are not considered "new" if they have any significant physical depreciation ff e., newly constructed dwellings that have been vacant for an extended period of time without adequate maintenance or upkeep). C2 The improvements feature no deterred maintenance, little or no physical depreciation, and require no repairs. Virtually all building components are new or have been recently repaired, refinished, or rehabilitated. All outdated components and finishes have been updated and/or replaced with components that meet current standards. Dwellings in this category either are almost new or have been recently completely renovated and are similar in condition to new construction. C3 The improvements are well maintained and feature limited physical depreciation due to normal wear and tear. Some components, but not every major building component, may be updated or recently rehabilitated. The structure has been well maintained. C4 The improvements feature some minor deferred maintenance and physical deterioration due to normal wear and tear. The dwelling has been adequately maintained and requires only minimal repairs to building components/mechanical systems and cosmetic repairs. All major building components have been adequately maintained and are functionally adequate. C5 The improvements feature obvious deferred maintenance and are in need of some significant repairs. Some building components need repairs, rehabilitation, or updating. The functional utility and overall livability is somewhat diminished due to condition, but the dwelling remains useable and functional as a residence. C6 The improvements have substantial damage or deferred maintenance with deficiencies or defects that are severe enough to affect the safety, soundness, or structural integrity of the improvements. The improvements are in need of substantial repairs and rehabilitation, including many or most major components. Quality Ratings and Definitions of Dwellings with this quality rating are usually unique structures that are individually designed by an architect for a specified user. Such residences typically are constructed from detailed architectural plans and specifications and feature an exceptionally high level of workmanship and exceptionally high-grade materials throughout the interior and exterior of the structure. The design features exceptionally high-quality exterior refinements and ornamentation, and exceptionally high-quality interior refinements. The workmanship, materials, and finishes throughout the dwelling are of exceptionally high quality. Q2 Dwellings with this quality rating are often custom designed for construction on an individual property owner's site. However, dwellings in this quality grade are also found in high-quality tract developments featuring residence constructed from individual plans or from highly modified or upgraded plans. The design features detailed, high quality exterior ornamentation, high-quality interior refinements, and detail. The workmanship, materials, and finishes throughout the dwelling are generally of high or very high quality. 03 Dwellings with this quality rating are residences of higher quality built from individual or readily available designer plans in above-standard residential tract developments or on an individual property owner's site. The design includes significant exterior ornamentation and interiors that are well finished. The workmanship exceeds acceptable standards and many materials and finishes throughout the dwelling have been upgraded from "stock" standards. 04 Dwellings with this quality rating meet or exceed the requirements of applicable building codes. Standard or modified standard building plans are utilized and the design includes adequate fenestration and some exterior ornamentation and interior refinements. Materials, workmanship, finish, and equipment are of stock or builder grade and may feature some upgrades. UAD Version 9/2011 Form UADDERNE - "WinTOTAL° appraisal software by a la mode, inc. - 1-800-ALAMODE P #10 UNIFORM APPRAISAL DATASET (UAD) DEFINITIONS ADDENDUM (Source. Fannie Mae UAD Appendix D. UAD Field-Specific Standardization Requirements) Quality Ratings and Definitions (continued) 05 Dwellings with this quality rating feature economy of construction and basic functionality as main considerations. Such dwellings feature a plain design using readily available or basic floor plans featuring minimal fenestration and basic finishes with minimal exterior ornamentation and limited interior detail. These dwellings meet minimum building codes and are constructed with inexpensive, stock materials with limited refinements and upgrades. 06 Dwellings with this quality rating are of basic quality and lower cost; some may not be suitable for year-round occupancy. Such dwellings are often built with simple plans or without plans, often utilizing the lowest quality building materials. Such dwellings are often built or expanded by persons who are professionally unskilled or possess only minimal construction skills. Electrical, plumbing, and other mechanical systems and equipment may be minimal or non-existent. Older dwellings may feature one or more substandard or non-conforming additions to the original structure Definitions of Not Updated, Updated, and Remodeled Not Updated Little or no updating or modernization. This description includes, but is not limited to, new homes. Residential properties of fifteen years of age or less often reflect an original condition with no updating, if no major components have been replaced or updated. Those over fifteen years of age are also considered not updated if the appliances, fixtures, and finishes are predominantly dated. An area that is 'Not Updated' may still be well maintained and fully functional, and this rating does not necessarily imply deterred maintenance or physical/functional deterioration. Updated The area of the home has been modified to meet current market expectations. These modifications are limited in terms of both scope and cost. An updated area of the home should have an improved look and feel, or functional utility. Changes that constitute updates include refurbishment and/or replacing components to meet existing market expectations. Updates do not include significant alterations to the existing structure. Remodeled Significant finish and/or structural changes have been made that increase utility and appeal through complete replacement and/or expansion. A remodeled area reflects fundamental changes that include multiple alterations. These alterations may include some or all of the following: replacement of a major component (cabinet(s), bathtub, or bathroom tile), relocation of plumbing/gas fixtures/appliances, significant structural alterations (relocating walls, and/orthe addition of) square footage). This would include a complete gutting and rebuild. Explanation of Bathroom Count Three-quarter baths are counted as a full bath in all cases. Quarter baths (baths that feature only a toilet) are not included in the bathroom count. The number of full and halt baths is reported by separating the two values using a period, where the full bath count is represented to the left of the period and the half bath count is represented to the right of the period. Example: 3.2 indicates three full baths and two half baths. UAD Version 9/2011 Form UADDEFINE - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE Pa e #11 UNIFORM APPRAISAL DATASET (UAD) DEFINITIONS ADDENDUM (Source: Fannie Mae UAD Appendix D: UAD Field-Specific Standardization Requirements) Abbreviations Used in Data Standardization Text Abbreviation Full Name Fields Where This Abbreviation May Appear ac Acres Area, Site AdjPrk Adjacent to Park Location Ad'Pwr Adjacent to Power Lines Location A Adverse Location & View Arml-th Arms Length Sale Sale or Financing Concessions ba Bathrooms Basement & Finished Rooms Below Grade br Bedroom Basement & Finished Rooms Below Grade B Beneficial Location & View Cash Cash Sale or Financing Concessions C Sk City View Skyline View View CtyStr City Street View View Comm Commercial Influence Location c Contracted Date Date of Sale/Time Conv Conventional Sale or Financing Concessions CrtOrd Court Ordered Sale Sale or Financing Concessions DOM Days On Market Data Sources e Expiration Date Date of Sale/Time Estate Estate Sale Sale or Financing Concessions FHA Federal Housing Authority Sale or Financing Concessions GlfCse Golf Course Location Gifvw Golf Course View View Ind Industrial Location & View in Interior Only Stairs Basement & Finished Rooms Below Grade Lndfl Landfill Location LtdS ht Limited Sight View Listing Listing Sale or Financing Concessions Mtn Mountain View View N Neutral Location & View NonArm Non-Arms Length Sale Sale or Financing Concessions Bs Rd Bus Road Location 0 Other Basement & Finished Rooms Below Grade Prk Park View View Pstrl Pastoral View View PwrLn Power Lines View PubTrn Public Transportation Location rr Recreational Rec Room Basement & Finished Rooms Below Grade Relo Relocation Sale Sale or Financing Concessions RED RED Sale Sale or Financing Concessions Res Residential Location & View RH USDA - Rural Housing Sale or Financing Concessions s Settlement Date Date of Sale/Time Short Short Sale Sale or Financing Concessions sf Square Feet Area, Site, Basement s m Square Meters Area, Site Unk Unknown Date of Sale/Time VA Veterans Administration Sale or Financing Concessions w Withdrawn Date Date of Sale/Time wo Walk Out Basement Basement & Finished Rooms Below Grade wu Walk U Basement Basement & Finished Rooms Below Grade WtrFr Water Frontage Location Wtr Water View View Woods Woods View View Other Appraiser-Defined Abbreviations Abbreviation Full Name Fields Where This Abbreviation May Appear UAD Version 9/2011 Firm UADDERNE - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE P #12 Additional Listings 1205009847 File It 1208141r FEATURE SUBJECT LISTING # 1 LISTING # 2 LISTING # 3 Address 1186 Shoreham Rd 1191 Shoreham Rd 211 Norman Rd Cam Hill PA 17011 Cam Hill PA 17011 Cam Hill PA 17011 Proximity 1o Subject 0.04 miles S 0.10 miles SW List Price $ $ 137,900 $ 134,900 $ List Price/Gross Liv. Area $ s q.11. $ 146.39s .tt. $ 102.12s .ft. Last Price Revision Date 6/7/2012 8/10/2012 Data Sources MLS # 10222863 MLS # 10221133 Verification Sources Count Records &MLS History Count Records & LS History VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Adjust. DESCRIPTION + - $ Adjust. DESCRIPTION $ Adjust. Sales or Financing PENDING ACTIVE Concessions N/A N/A Days on Markel 88 DOM 135 DOM Location N Res Res N Res Res N:Res•Res Leasehold/Fee Simple Fee Simple Fee Simple Fee Simple Site 6,098 sf 6,098 sf 6,098 sf View N;Res;Res N Res;Res N Res;Res Design (Style) Ranch Ranch Ranch Quality of Construction Q5 Q5 Q5 Actual Age 53 62 62 Condition C4 C4 C4 Above Grade Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths Room Count 6 3 1.0 5 2 1 6 3 1 Gross Living Area 1,057 s ft. 942 s .tt. 1,321 5 .ft. s .ft. Basement & Finished 696sfOsfin 942sfOsfin 696sfOsfin Rooms Below Grade Functional Utility Avera a Averaqe Average Heating/Cooling GFWA/Central GFWA/Central EBB/None Energy Efficient Items Thermo panes Thermo panes, Thermo panes Gara a/Car ort 1 Carport 1 Carport 1 Carport Porch/Patio/Deck Patio Porch Deck 1 Fireplace None 1 Fireplace None None None None None None Net Ad ustment Total ❑ + ❑ - $ ❑ + ❑ - Is ❑ + ❑ - $ Adjusted List Price Net % Net % Net % of Com arables Gross % $ 137,900 Gross % $ 134,900 Gross % Is Report the results of the research and analysis of the prior sale or transter history of the subject property m parable sales (report additional rior sales on page 3). ITEM SUBJECT LISTING # 1 LISTING # 2 LISTING # 3 Date of Prior Sale/Transfer Price of Prior Sale/Transfer Data Sources Count Records Count Records Count Records Effective Date of Data Sources 08/22/2012 08/22/2012 08/22/2012 Comments: ADJUSTING LISTINGS CAN BE POTENTIALLY MISLEADING AND THEREFORE A POSSIBLE USPAP VIOLATION. WITHOUT DIRECT KNOWLEDGE OF THE CICUMSTANCES OF THE LISTING IT IS DIFFICULT TO ADJUST A LISTED VALUE KNOWING A CLIENT WOULD POSSIBLY RELY ON THAT ADJUSTED VALUE TO ARRIVE AT A CONCLUSION OF VALUE FROM THAT ADJUSTED VALUE. IF PROPERTY WAS NOT LISTED PROPERLY AND THEREFORE SUBJECT TO CHANGE OR EVEN REMOVAL FROM THE MARKET AT ANY TIME ANY ADJUSTED VALUE WOULD BE MISLEADING THE USER OF THIS APPRAISAL. IT IS FOR THIS REASON WE DO NOT ADJUST LISTINGS AND RELY SOLELY ON PROPERTIES THAT HAVE BOTH SOLD AND SETTLED TO ARRIVE AT AN OPINION OF VALUE. March 2005 Form 1004UAD.(AL) -'WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE P #1 1205009847 Market Conditions Addendum to the Appraisal Report File No. 120814lr The purpose of this addendum is to provide the lender/client with a clear and accurate understanding of the market trends and conditions prevalent in the subject neighborhood. This is a required addendum for all appraisal reports with an effective date on or after A nl 1, 2009. Property 1186 Shoreham Rd City Cam Hill State PA ZIP Code 17011 Borrower Co eman Kimberley Instructions: The appraiser must use the information required on this form as the basis for his/her conclusions, and must provide support for those conclusions, regarding housing trends and overall market conditions as reported in the Neighborhood section of the appraisal report form. The appraiser must fill in all the information to the extent it is available and reliable and must provide analysis as indicated below. If any required data is unavailable or is considered unreliable, the appraiser must provide an explanation. It is recognized that not all data sources will be able to provide data for the shaded areas below; it it is available, however, the appraiser must include the data in the analysis. P data sources provide the required information as an average instead of the median, the appraiser should report the available figure and identify it as an average. Sales and listings must be properties that compete with the subject property, determined by applying the criteria that would be used by a prospective buyer of the subject property. The appraiser must explain any anomalies in the data, such as seasonal markets, new construction, foreclosures, etc. inventory Analysis Prior 7-12 Months Prior 4-6 Months Current - 3 Months Overall Trend Total # of Comparable Sales Settled 26 18 23 Increasing Stable Declining Absorption Rate otal Sales/Months 4.33 6.00 7.67 ® increasing ❑ Stable ❑ Declining- Total # of Comparable Active Listings 17 22 27 Declining 12 Stable Increasing Months of Housing Supply otal Listin s/Ab.Rate 3.9 3.7 3.5 ❑ Declining ® Stable ❑ Increasing Median Sale & List Price, DOM, Sale/List % Prior 7-12 Months Prior 4-6 Months Current - 3 Months Overall Trend Median Comparable Sale Price 138,450 133,950 138,500 ❑ Increasing Z Stable ❑ Declining Median Comparable Sales Days on Market 77 112 34 ❑ Declining ® Stable ❑ Increasing Median Comparable List Price 136,900 139,900 143,700 ❑ increasing ® Stable ❑ Declining Median Comparable Listings Days on Market 113 78 71 Declining Stable Increasin Median Sale Pnce as % of List Price 97.69% 99.13% 98.00% ❑ increasing ® Stable ❑ Declining Seller- (developer, builder, etc.)paid financial assistance prevalent? ❑ Yes ® No ❑ Declining Stable ❑ Increasing Explain in detail the seller concessions trends for the past 12 months (e.g., seller contributions increased from 3% to 5%, increasing use of buydowns, closing costs, condo fees, options, etc.. Sales concessions are more common in the sales transactions in the past 6 to 12 months, and in most settled properties have not increased over 3%. An amount over 3% is considered to be excessive and is adjusted at a dollar for dollar basis for amounts over 3%. Are foreclosure sales REO sales a factor in the market? Yes ® No It es, explain (including the trends in listings and sales of foreclosed properties). Cite data sources for above information. MLS AND COUNTY RECORDS Summarize the above information as support for your conclusions in the Neighborhood section of the appraisal report form. It you used any additional information, such as an analysis of pending sales and/or expired and withdrawn listings. to formulate our conclusions, provide both an explanation and support for our conclusions. Sales from the rice range of $ 100,000 to $ 175,000 were used in the above analysis. The sales were from the overall subject market area and were from the same school district. At the resent time there is not an oversupply of homes listed for sale in the subject net hborhood. " FOR THE PURPOSE OF DEVELOPING THIS FORM A LARGER AREA IS SEARCHED THAN WHAT PROPERTIES HAVE SOLD OR ARE ON THE MARKET IN THE DEFINE SUBJECT NEIGHBORHOOD." If the subject is a unit in a condominium or cooperative project, complete the following: Project Name: Subject Project Data Prior 7-12 Months Prior 4-6 Months Current - 3 Months Overall Trend Total # of Comparable Sales (Settled) Increasing I El Stable Declining Absorption Rate (Total Sales/Months ❑Increasin ❑ Stable ❑ Declinin Total # of Active Comparable Listings Declining Stable ❑ Increasin Months of Unit Supply Total Listin s/Ab.Rate Declinin ❑ Stable Increasin Are foreclosure sales (REO sales) a factor in the project? ❑ Yes ❑ No If yes, indicate the number of RED listings and explain the trends in listings and sales of foreclosed properties. Summarize the above trends and address the impact on the subject unit and project. Signature N-11 Z Signature A raiser Name A ers Supervisory raise ante d Ko enhaver PA State Cert. RE A n Company Name Ko nhaver Appraisals Company NaNe--AoDDenhaver Appraisals Company Address P.O. Box 462, Hummelstown, PA 17036 Company Address P.O. Box 462, Hummelslown, PA 17036 State License/Certification # RLOO1908L State PA State License/Certification # RL001154L State PA Email Address rick@bestappraisers.com Email Address ed@bestappraisers.com Freddie Mac Form 71 March 2009 Page 1 of 1 Fannie Mae Form 1004MC March 2009 Form 1004MC2 - "WInTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE P #14 Supplemental Addendum File No. 1208141r Borrower/Client Co eman, Kimberley Property 1186 Shoreham Rd City Cam Hill County Cumberland State PA Zi Cade 17011 Lender Vision Mortgage Capital THIS REPORT IS FOR LENDER/CLIENT/HUD" IF FHA" OR ASSIGNS FOR MORTGAGE FINANCING ONLY THE DIGITAL SIGNATURE CONTAINED IN THIS REPORT IS THE SCANNED IMAGE OF AN ACTUAL SIGNATURE AND IS PASSWORD PROTECTED. IT IS TO BE TREATED AS AN ACTUAL SIGNATURE. INFORMATION CONCERNING ZONING WAS OBTAINED FROM LOCAL MUNICIPAL AND COUNTY ZONING OFFICERS. INFORMATION CONCERNING MORTGAGE TYPE AND SELLER COST HELP ON COMPARABLE PROPERTIES WAS OBTAINED FROM AREA MULTI-LIST SERVICES AND LISTING AGENTS. IN SOME CASES, WHERE COST HELP IS NOT LISTED ON MULTI-LIST SHEETS, AREA AGENTS CONSIDER COST HELP INFORMATION TO BE CONFIDENTIAL AND WOULD NOT PROVIDE THIS INFORMATION TO THE APPRAISER. THE SUBJECT WAS VACANT AT THE TIME OF INSPECTION. THE UTILITIES WERE OFF AND COULD NOT BE CHECKED AT THE TIME OF INSPECTION. IT IS NOTED THAT COMPARABLES NUMBER 1,3 OCCURRED MORE THAN SIX MONTHS AGO. THESE COMPARABLES WERE USED DUE TO THE LACK OF SIMILAR COMPARABLES CLOSING WITHIN THE SIX MONTH TIME FRAME AND ARE THE BEST TO ACCURATELY REFLECT THE MARKET VALUE OF THE SUBJECT PROPERTY. COMPARABLES NUMBER 1,2,3 VARY IN PRICE PER SQUARE FOOT BY MORE THAN $10.00 PER SQUARE FOOT. THESE COMPARABLES WERE USED BECAUSE THEY BEST REPRESENT THE MARKET VALUE AND MARKETABILITY OF THE SUBJECT. NO BETTER COMPARABLES WERE AVAILABLE FOR USE IN THIS APPRAISAL. ALL COMPARABLES ARE VERIFIED SOLD AND SETTLED PROPERTIES. Signature Signature Name Richard P. 5 RE Name Ed Ko nhav r e Cert. RE A raiser Date Signed 08/22/2012 Date Signed 0 12 State Certification # RL001908L State PA State Certification # RL001154L State PA Or State License # State Or State License # State Form TADD2 - ^WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE P e #1 Subject Photo Page Borrower/Client Copernan, Kimberley Property 1186 Shoreham Rd City Cam Hill county Cumberland State PA Zi Code 17011 Lender Vision Mortgage Capital Subject Front 1186 Shoreham Rd 'Sales Price 120,000 Gross Living Area 1,057 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1.0 Location N;Res;Res View N;Res;Res Site 6,098 sf Quality Q5 Age 53 t Subject Rear µ 1~ Subject Street 'k I x ^ 'y K Fx 6r. 'r Form PICPIX.SR -'WinTOTAL" appraisal soflware by a la mode, inc. - 1-800-ALAMODE Pa #1 Subject Photo Page Borrower/Client Coper-nan, Kimberley Property 1186 Shoreham Rd City Cam Hill County Cumberland State PA Zi Code 17011 Lender Vision Mortgage Capital Subject Front 1186 Shoreham Rd Sales Price 120,000 Gross Living Area 1,057 Total Rooms 6 Total Bedrooms 3 i F14 Total Bathrooms 1.0 Location N;Res;Res View N;Res;Res Site 6,098 sf ac Quality Q5 Age 53 wi,s Subject Rear niE rs. ' `K" t Subject Street Y..~.~ A _ Form PICPD(.SR - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE P #17 Photograph Addendum Borrower/Client copernan, Kimberley Property Address 1186 Shoreham Rd City Cam Hill Coun Cumberland State PA Zip Code 17011 Lender Vision Mortgage Capital r ~a fa rY ~ i ,mss ~Y y.a «s. Way 1!-. Form GPICPIX - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Pa #1 Photograph Addendum Borrower/Client Co eman Kimberley Property 1186 Shoreham Rd City Cam Hill Coun Cumberland State PA Zip Code 17011 Lender Vision Mortgage Capital e t~={ i F_F-,V`,~~ F Form GPICPIX - 'WInTOTAL' appraisal software by a la mode, inc. -1-800 ALAMODE P #1 Photograph Addendum Borrower/Client copernan, Kimberley Property 1186 Shoreham Rd City Cam Hill Coun Cumberland State PA Zip Code 17011 Lender Vision Mortgage Capital s t " i3 ~t fs} c frw", I hr i I r. I a ei V} j n Form GPICPIX - "WinTOTAL" appraisal software by a la mode, inc. -1-800 ALAMODE P e #2 Photograph Addendum Borrower/Client Co eman, Kimberley Properly Address 1186 Shoreham Rd Cif Cam Hill Coun Cumberland State PA Zi Code 17011 Lender Vision Mortgage Capital r WIN j a{ ljtt ~ r ' k y', o Form GPICPIX - "WinTOTAL" appraisal software by a la mode, inc. - 1.800-ALAMODE Pa #21 Comparable Photo Page Borrower/Client Co eman Kimberley Property 1186 Shoreham Rd City Cam Hill County Cumberland State PA Zip Code 17011 Lender Vision Mortgage Capital nt 5 r Comparable 1 r w i 1177 Shoreham Rd Prox. to Subject 0.05 miles E z Sales Price 144,000 r Gross Living Area 1,082 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1.0 w b. Location N;Res;Res View N;Res;Res Site 6,098 sf f Quality Q5 Age 62 Comparable 2 ° y 1304 Kingsley Rd 55 Prox. to Subject 0.12 miles SW r Sales Price 131,500 r Gross Living Area 1,033 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1.0 Location N;Res;Res View N;Res;Res S s~`" ter, Site 6,098 sf Quality 05 Age 62 Comparable 3 308 Manchester Rd Prox. to Subject 0.16 miles SW IM ~ ' Sales Price 128,000 Gross Living Area 1,033 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1.0 Location N;Res;Res View N;Res;Res Site 6,098 sf f;. Quality 05 dew. il" Age 52 Form PICPIX.CR - "WinTOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE P e #22 Listing Photo Page Borrower/Client Co eman, Kimberley Property Address 1186 Shoreham Rd city Cam Hill County Cumberland State PA Zip Code 17011 Lender Vision Mortgage Capital Listing 1 °j 1191 Shoreham Rd x Proximity to Subject 0.04 miles S List Price 137,900 f, t Days on Market 88 DOM Gross Living Area 942 . " Total Rooms 5 Total Bedrooms 2 Total Bathrooms 1 ' Age 62 u i .r~yt Listing 2 211 Norman Rd n Proximity to Subject 0.10 miles SW List Price 134,900 Days on Market 135 DOM g 51 r Gross Living Area 1,321 r Total Rooms 6 Cf Total Bedrooms 3 Total Bathrooms 1 Age 62 Listing 3 Proximity to Subject List Price Days on Market Gross Living Area Total Rooms Total Bedrooms Total Bathrooms Age Form DLSTRNT.DS#R - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE P #2 Building Sketch Borrower/Client Copernan, Kimberley Property 1186 Shoreham Rd City Cam Hill Coun Cumberland State PA Zip Code 17011 Lender Vision Mortgage Capital 29.0' Bedroom CI Bedroom 0 0 N Bath CI Bedroom CI CI b Patio m N `r 10.0' Kitchen I Dining Carport p Living Room 14.0' 19.0' s"am a ro"" nm Comments: AREA CALCULATIONS SUMMARY LIVING AREA BREAKDOWN Code Description Net Sim Net Totals Breakdown Subtotals GLAl First Floor 1057.0 1057.0 First Floor GAR Garage 266.0 266.0 24.0 x 29.0 696,0 19.0 x 19.0 361.0 Net LIVABLE Area (Rounded) 1057 2 Items (Rounded) 1057 Form SKT.BIdSkl - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE P #24 Plat Map Borrower/Client Copernan, Kimberley Properly Address 1186 Shoreham Rd City Cam Hill County Cumberland State PA Zi Code 17011 Lender Vision Mortgage Capital ax mapper timberland County, PA ~ 2 iJ" ,fir p ~ • M t r Ti yr 1~F I tl r . %-A. 'p opyright 2011 Lsri. All rights reserved. Thu Aug 16 2012 07:22:19 PK Form SCNLGH - "WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE Pa e #2 Flood Map Borrower/Client Co eman, Kimberley Property Address 1186 Shoreham Rd City Cam Hill Coun Cumberland State PA Zip Code 17011 Lender Vision Mortgage Capital Prepared for: InterFlood Ed Koppenhaver, Appraisals t > * r^ x~ 1186 Shoreham Rd www.interflood.com • 1-800-252-6633 Camp Hill, PA 17011 sei ~'rr A• +~i lop ` - %A i'*I N; ZONF x an rN FLOODSCAPE csrr_a f- Flood Hazards Map if ;,R~ FAQ ' Map Number 4204100282= d , r, Effective Date March 16, 2009 1 ,Lp L A I ?OT; - - ; lp, - Pz:acS seer ..-r FLOOr e;,-.; ~~,~,2 tee. ~r:•r...se sncrar Fia-r.'.5.>>r~ ~crrr.-raFrsa:s. F,fl riatU' ressriz-~. Fst~ . 9 8? 27Eand c Ot+aQr parents. oers3t:;. Far Iric: ir.4o^~tia^.ss~u~~.rMm. Form MARFLOOD - "WinTOTAL' appraisal software by a la mode, inc. - 1-800-ALAMODE Pa #2 Location Map Borrower/Client C02eman, Kimberley Property Address 1186 Shoreham Rd City Cam Hill County Cumberland State PA Zi Code 17011 Lender Vision Mortgage Capital a la mode me t < sr n° P n ~ P ya\ 2 5cC. r~ ~ ~at oP\Dr S\ J Pw I+~ rry 57 ~ SL T Q '~J ye F r> 5 ~T TlK- 5 Qo° y~! tt5 vl F" ':AIC ~ 3 pF a~a ~U t ,e 1; 'eA S~~UC~ ~ ,Za+ - ~-jCYS~~ ;zl R1 Poe .dU. 'n,,,ylarn Rd ti`c• 2a +r3 nr Charhanl ` ~r q~P. p, K- lRd h "Nn rzlthwolO+Pd _ Mane„ I ~ ~ ~ 1 b.sU' Rrl cb. Pry r• O` f b~ r 11 ir'lanA Or Y'•• _ F-, R< ~ Cit;,tlrl Dr 6 c ed' SI,-hmore'Rd rv a IllSOV+,A „ c. V 6 P!% ao6 .°ihnvrnR Py~ Cirtle ar Ln r9 EJ9- ~ T \C~~iO+y j'-; ParkA- Ve tirra,~ 1 4 ~ rv} coo O 1. O zw U, mp` V k~rnc7 ° o Form MAP.LOC - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE P #27 Location Map Borrower/Client Co eman Kimberley Property Address 1186 Shoreham Rd City Cam Hill County Cumberland State PA Zi Cade 17011 Lender Vision Mortgage Capital a la mode inc: ; ~ A 4 f w ti i xtA~ • r fi~ ~^t: iti~ L .,fit `rt 4 I. g V k r ~ Y Form MAP.LOC -'WInTOTAL' appraisal sottwam by a la mode, inc. - 1-800-ALAMODE P e #2 Deed - Page 1 Borrower/Client Co eman, Kimberley Properly Address 1186 Shoreham Rd city Cam Hill County Cumberland State PA Zip Code 17011 Lender Vision Mortgage Capital ital. C Coucy. _t3 ('lit'' 2B fl~ 9 39 Tax Parcel: 13-23-0545-097 THIS DEED, Leo MADE THSO7 day of May in the year of our Lord two thousand three (2003) BETWEEN WILBERT M. KNAPP also known as MURRAY W. KNAPP, single man, by his Attorney-in-Fact RANDY C. KNAPP, Grantor and GREGORY C. SCOTT, single man, Grantee: WITNBSSETH, that in consideration of EIGHTY-FIVE THOUSAND and 00/100 ( $85,000.00 ) Dollars, in hand paid, the receipt whereof is hereby acknowledged, the said grantor does hereby grant and convey to the said grantee, ALL THAT CERTAIN tract or parcel of land situate in Lower Allen Township, Cumberland County, Pennsylvania, more particularly bounded and described according to survey of D.P. Raffensperger, Registered Surveyor, dated May 23, 1963: BEGINNING at a point on the northerly line of Shoreham Road (50 feet wide) which point is at a stake located three hundred seventy-five (375) feet measured northeastwardly along said line of Shoreham Road, from Norman Road, and which point is on the line dividing Lots Nos. 14 and 15, Block P on the hereinafter mentioned plan of lots; thence north 32 degrees 13' west along said dividing line one hundred ten (110) feet to a stake; thence north 57 degrees 47, east along the line dividing the within described premises and land now or formerly of Slouch Bros. fifty-five (55) feet to a stake in the line dividing Lots Nos. 15 and 16, Block P on the aforementioned plan of lots; thence south 32 degrees 13' east along the last said dividing line one hundred ten (110) feet to a stake in the northerly line of Shoreham Road; thence south 57 degrees 471 west along said line of Shoreham Road fifty-five (55) feet to a stake, the place of BEGINNING. BEING Lct No. 15, Block P, on the Plan of Blocks N-O-P-Q & R, Highland Park, which plan is recorded in the office for the recording of deeds in and for Cumberland County, Pennsylvania in Plan Book 4, Page 9B. s cT 30506 a t300K 287 PACEW8 Form SCNLGH - "WinTOTAL" appraisal software by a la mode, inc. -1-BOD-ALAMODE P #2 Deed - Page 2 Borrower/Client Copernan, Kimberley Properly Address 1186 Shoreham Rd city Cam Hill County Cumberland State PA Zi Code 17011 Lender Vision Mortgage Capital HAVING thereon erected a one and one-half story brick and frame dwelling house known and numbered as No. 1186 Shoreham Road. BEING THE SAME PREMISES WHICH Herbert W. Bruch and Georgia M. Bruch, his wife, by Deed dated July 23, 1963 and recorded July 31, 1963 in the Office of the Recorder of Deeds in and for Cumberland County, Pennsylvania in Deed Book 20-X, Page 867, granted and conveyed unto Wilbert M. Knapp and Mary C. Knapp, his wife. The said Mary C. Knapp died ' thereby vesting title in her husband, Wilbert M. Knapp, by right of survivorship. AND the said Wilbert M. Knapp is also known as Murray W. Knapp. I Certi,'y this to be recorded 11) Cutlii%erlarld County PA Recorder of Deeds L-----Gl ors' u 0 4: r~r r w 'ro o c ~ ~ a Fn 0 6.~ ~p4 2 " x r BOOK 251' PACEU 79 ,iii : - i•3i f'n' _ia Form SCNLGH -'WinTOTAL' appraisal software by a la mode, inc. - 1-800-ALAMODE P e #3 Deed - Page 3 Borrower/Client Co eman Kimberley Properly Address 1186 Shoreham Rd Cit Cam Hill Coun Cumberland State PA Zi Code 17011 Lender Vision Mortgage Capital And the said grantor hereby covenants and agrees that he will warrant specially the property hereby conveyed. IN WITNESS WHEREOF, said grantor has hereunto set his hand and seal the day and year first above written. Signed, Sealed and Delivered in the Presence of Wi ert M. Knapp a k a Murray W. Knapp by his A ey-in-Fact Rand C. Knapp wtt STATE OF P Sylvania COUNTY OF " ' a On this, the,)340day of May, 2003, before me, the undersigned officer, personally appeared viibevt ?I, v°' a/k mur r W. bra= r ' arr „ - Randy C. Kn4-0known to me (or s t'sfactorily proven) to be the person whose name is subscribed e within instrument, and acknowledged that he executed same + e purposes therein contained, S set my hand and official seal. j N Yy if'" sNrreyy Koo, Notroryry PubQc SEAL) Hampdao 7wD., CumDertand Coun1Y My commisswn Expires .tune 17, 20D4 NOTARY LAIC MetnDe(.HannsyNana MSaCia eonotNaanes •io hereby certify that the precise residence and complete ost bffice address of the within grantee is: //kL ShOtt).~ ~Qu 2003. 4Ib.k t Mr fs'~~,e /A u D.- U Ad yAaA oy W-K•~Ar~ Agent for COMMONWEALTH OF PENNSYLVANIA COUNTY OF RECORDED on this day of A.D. 2003, in the Recorder's office of the said county, in Deed Book Vol. , Page Given under my hand and seal of the said office, the date above written. Recorder bov 257 PAGEU80 Form SCNLGH - "WinTOTAL" appraisal software by a la mode. inc. -1-800-ALAMODE P e# 1 Certification Borrower/Clal Co eman Kimbede Property 1186 Shoreham Rd City Cam Hill County Cumberland State PA Zip Code 17011 Lender Vision Mortgage Capital i _ i< Commonwealth of'Pennsvlvania ~ 0 Dcpj.1i'tYuvut of State Bureau of f rofussinn:d ;nuf t)~rup~tional A f'fairs PO f3u,x 3641) ILn nobur;; P I705-2049 i 1 t.:crtiiicate Type t`crtificaie Status Certified Residential Appraiser Active Initial (Certification Date r~ 1011111994 is j RICHARD PATANSELLARS ('crtiTir..rfi[+ 607 SECOND STREET Nunihcr ` NEW CUMBERLAND PA 17070 i RLOO1908L Expiration Date 06130/2013 X11 r'`,..' \ 1 Form SCNLGH - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE P e# 2 E & 0 Certification Borrower/Client Copernan, Kimberley Property Address 1186 Shoreham Rd City Cam Hill County Cumberland State PA Zi COde 17011 Lender Vision Mortgage Capital °Fi°~ CERTIFICATE OF LIABILITY INSURANCE 10/ 8/2U1i) THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder Is an ADDITIONAL INSURED, the policy(M) must be endorsed. if SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not center rights to the certificate holder in lieu of such endorsements . PRODUCER C Elizabeth Ki-l Gunn Mowery, LLC PHOUE (717)761-4600 PAX Nol. P O Box 900 E- .oar2dl?gunnmowery.aom TNSUR S AFFDROIW COVERAGE NAIC4 Camp Hill PA 17001-0900 INSURER A:CNA MUREO INSURER e Edmund J Koppenhaver INSURER C: 2116 S. Pointe Drive INSURERD: INSURERE: HTUsmelstown PA 17036 INSURERF: COVERAGES CERTIFICATE NUMBER:11-12 REVISION NUMBER: THIS IS To CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TU THE INSUREU NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY RLOUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIFS DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND_OUNDfTIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. FXP LTR TYPE OF IN6VRANCE A OL U POLICY NUM R POLICY!'! POL INSA LIMITS GENERALUABILITY EACH-MCURRFNCF. S 1, ODD, 000 COMMERCIAL GENERIILITARIIITY E S A _ CLAIMS WADE OCCUR RNP13319084010 0/3112011 0/31/2012 MED EXP INN we e s X Praf...ional Liab PERSONAL S ADV INJURY s GENERAL AGGREGATE $ 1,000,000 CENL AGGRFCATF I MIT APPI IFS PER'. PNODUC I6-COMPIOP AGG 5 X POLICY '0 LOC 5 IICT AUTOMUMLE LIABILITY COMBINED LE LIMIT 5 AHY AU I U ROmLY INJURY (Per peen) s ALL 0MFD 9 HFOUI Fn BOOILY INJURY (Pw a W") 9 AUTOS NONO-ONNEO TY DA AG s HIRED AUTOS AIITaa S HUMBRELLA LIAB OCCUR CACIIOOCURRENCE S EXCESS LIAO CWMS•MAUE AGrRFGATF S LIED RETENTIONS s WORNERSCONPENISATIDN ,NTIATU- OTH- AND EMPLOYERS' LIABILITY ,TG IJ ANY PROr'RIETO7A7NERrtXECUDVL EJ N I A E.L. EACH ACCIDENT Is UFflc HTIEMU mLUOEDT IM M.Wly In NH) F.I.. DISEASE EA EMPLOYE S _ r Je brr nFSCRIPTIOTIUN OF OPFpg1pN6 belovt EL DISEASE POLICY LIMB S Ed eCRIrppen hawr Riar, Rach.e1 l KoVpp..en4hnver, Ri. na I r ARik let. aell.llir.laRe, J m oan acn. Rrafwi fineret, Gregory Roye, Cathy Brady are insureds only a while rendezing professional real estate eerviaee on nnmad insured behalf for other.. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN SAMPLE ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRGSENTATME S Kimmel/RKIbIIS ~ ACORD 25 (2010105) ©1988.2010 ACORD CORPORATION. All rights reserved. INS025 (201OV,),01 The ACORD name and logo are registered marks of ACORD Form SCNLGH - "WinTOTAL" appraisal software by a la mode, inc. -1.800-ALAMODE Putnam Investor Services -8 Putnam Post Office Box 8383 Boston, MA 0226666-8383 INVESTMENT 5 www.putnam.com September 12, 2012 TODD F TRUNTZ LAW OFFICES OF SAIDIS SULLIVAN & ROGERS 635 NO 12TH ST STE 400 LEMOYNE PA 17043 Account No: 6-37797078 Reference No: 00568555 Registration: Gregory C Scott Dear Attorney Truntz: Thank you for your correspondence regarding the client's above-referenced account. The following table provides the account balance information requested as of 04/17/2012: Putnam Fund Account Share Share Market Name Account Number Balance Price Value Voyager Fund-A/ 14.146o $23.08 $326.49 6-37797078 This letter confirms that the shareholder owned an individual, non-retirement account which does not allow for any beneficiary designation. In addition, accrued interest only applies to daily accrual funds, and the Putnam Voyager Fund only pays a dividend annually, (if applicable). There were no dividends paid to the account in year 2o11 or in year 2012 up to the date of death. We hope that this information is helpful to you. To assist you with future inquiries regarding this letter, please provide the reference number shown above when calling or sending written correspondence. Should you have any questions, please call us toll-free at 1-800-225-1581 between the hours of 8:oo a.m. and 8:oo p.m., Eastern Time, Monday through Friday. One of our customer service representatives will be pleased to assist you. Sincerely, Putnam Investor Services 14VI St MEMBERS 1St FEDERAL CREDIT UNION REGULAR SAVINGS ACCOUNT: Account Number/Suffix 124559-00 D-ate Account Established 01/31/1992 Principal Balance at Date of Death $25.20 Accrued Interest to Date of Death $.00 Total Principal and Accrued Interest $25.20 Name of Joint Owner None CHECKING ACCOUNT: Account Number/Suffix 124559-11 D-ate Account Established 01/31/1992 Principal Balance at Date of Death $26.94 Accrued Interest to Date of Death $.00 Total Principal and Accrued Interest $26.94 Name of Joint Owner None SAVINGS ACCOUNT: Account Number/Suffix 114574-00 D-ate Account Established 05/16/1990 Principal Balance at Date of Death $2343.60 Accrued Interest to Date of Death $0.26 Total Principal and Accrued interest $2343.86 Name of Joint Owner Janet C Roberts Date Joint Added 02/22/2012 CHECKING ACCOUNT: Account Number/Suffix 114574-11 D-ate Account Established 05/16/1990 Principal Balance at Date of Death $2702.63 Accrued Interest to Date of Death $0.00 Total Principal and Accrued Interest $2702.63 Name of Joint Owner Janet C Roberts Date Joint Added 02/22/2012 INVESTMENT SAVINGS ACCOUNT: Account Number/Suffix 114574-05 D-ate Account Established 06/16/2007 Principal Balance at Date of Death $3962.13 Accrued Interest to Date of Death $0.52 Total Principal and Accrued Interest $3962.65 Name of Joint Owner Janet C Roberts Date Joint Added 02/22/2012 MEMBERS 1ST FEDERAL CREDIT UNION Tessa L Klugh Lending Insurance Support Specialist June 25, 2012 Estate of: GREGORY C SCOTT Date of Death: 04/17/2012 Social Security Number: 209-46-1581 5000 Louise Drive • P.U. Box 40 • Mechanicsburg, Pennsylvania 17055 • (800) 283-2328 • unv\k=tmberslst.org Murti~i-oi Oh1AHA INSURANCL- CONIPANr 1038 N'tutua! of Omaha Plaza Omaha.I~L h~i17~ i~= MUTUiluto awl 402 342 7600 nlutualofomaha.~om GREGORY SCOTT ESTATE 109 WALTON ST LEMOYNE PA 17043 CHECK N0. CHECK DATE PAYEE NO. PAYEE NAME CHECK AMOUNT n06/04/2012 F0000000009 GREGORY SCOTT ESTATE $13.71 DESCRIPTION VOUCHER AMOUNT 911623-98 GREGORY SCOTT ESTATE INSURED DECEASED 05414976 13.71 PSMPS Kelley Blue Book Page 1 of 2 Kelley Blue Book,,,, rrtrrsrrnuesru?u%r' c advertisement why ads? Your Blue Book- Value 2001 Volvo V40 Style. Wagon 4D 111WL as Mileage: 100028 Private Party Value Vehicle Highlights Excellent $5,431 MPG: City 20/Hwy 29 Max Seating 5 Very Good $5156 Doors: 4 i Engine: 4-Cyt, Turbo, 1.9 Liter L~G~d Drivetrain: FWD 731 T ransmission: Automatic EPA Class: Small Station Wagons Body Style: Wagon Fair $4,331 Country of Origin: Sweden Country of Assembly: Sweden Your Configured Options Our pre-selected options, based on typical equipment for this car. 1Options that you added while configuring this car. Engine Braking and Traction Entertainment and Instrumentation 4-Cyl, Turbo, 1.9 Liter ABS (4-Wheel) Transmission AM/FM Stereo Comfort and Convenience Cassette Automatic Air Conditionin Drivetrain g Safety and Security Power Windows FWD Dual Air Bags Power Door Locks Side Air Bags Cruise Control Wheels and Tires Steering Alloy Wheels Power Steering Tilt Wheel Glossary of Terms Kelley Blue Book® Trade-in Value - This is the amount you can expect to receive when you trade in your car to a dealer. This value is determined based on the style, condition, mileage and options indicated. Kelley Blue Book(j) Private Party Value - This is the starting point for negotiation of a used-car sale between a private buyer and seller. This is an "as is" value that does not include any warranties. The final price depends on the car's actual condition and local market factors. http://www.kbb. com/volvo/v40/2001-volvo-v40/wagon-4d/?vehicleid=5343 &intent=trade-... 7/10/2012 f ~2~ E i t tt %yE s- 1 .k f r t Jk f' r I Vie' ^=rr a 'sue-..._» ~ .........»........,...-~z....---~- , CERTI IFICATE OF TETLEEF10FR V= , ri LE F 10E354714701005E39-Dal YV1VS295X1F714740 20131 VOLVO 62046664403 SC C VEHICLE DENIIFI.,ATIOf: NJMEJEP ! 1c AF + MAKE U= .cr,i:~LE TIT_ I1J t•.1BER k t SDN ❑ NY 12!30!05 063000 13 BOD, TYPE DJP SE EHIOR 1111E STr r= LIUOI H:.-0E DPTE JDDN' MILES rJpON- STATUS 7!'05/05 12!30/05 I: .a DAIS Pi-. ifT'_EU fJ.41E OF IStiU, JN_.AI)EN WEIGH:' C, ;rvdl- uC:WF T;': LE BRANDS r Ef, ST ATU~ tt r UD.. ET =MILEAGE EXCEED5_ THE MECHANICAL t r~ '_IMITS ry . E+ NOT THE. 'TUA'- MILEAG- t1l !t@F], 'SOT TS.=. ACTUAL MILEAGc OCOMETEP TAMP RING VERIFIED E EaEM " FROI ODOMETER DISCLOSURE REGISTERED OWNER(S; - I TITLE BRANDS F 4 ANT I OUE Ve HICLF G.ASSIC VEHICLE C COLLECTIBLE VEHICLE GREGORY SCOTT 1 - OUT Or COUNTRY 1186 SHOREHAM RD G GRIGINALLYMFGD FORNON-U S G? DISTRIBUTION CAMP HILL PA 17011 L H OGGGING GING VEHICLO VEHICLEHICLE ~ =LE P = IS/WAS A POLICE VEHICLE =RECONSTRUCTED = STREET ROC = RECOVERED THEFT VEHICLE V - VEHICLE CONTAINS REISSUED VIN V, - FLOOD VEHICLE 4i FIftS7 LIEN OR OF SECOND LIEN FAVOR OF = ISrwAS A. TAX'. it • if a seconc lieoholoe i' lisiee upor sansfacron of 1ni, f -I lien, the first Y4r` hennoltler musi for-c ihL Tine is the Eu a•, of Moto, lenicles with the ' FIRSTLIEN RELEASED apprppnate turn: "a fee r~^^ DATE c; BY SECOND LIEN RELEASED PPPR AUTHORIZED REPRESENTATIVE DATE MAILING ADDRESS B`. L At )THORIZED REPRESENTATIVE 1 GREGORY SCOTT 11&6 SHOREHAM RD CAMP HILL PA 17011 pennsyLvania ppp DEPARTMENT OF TRANSPORTATION <:un,I _ rhl, oalE p I _ ,fl-a I r-i- Namc Depanrnen, ALLEN D BI E H L ER r . OI 7rensponaUUn IplteGl tha! lr'L -mss e' otnp I,, n.fined here,, I': it,, lawful owner - of the Sd tl Ir cl.- tiecretan of 7 nmsportation £ - 13 gig If a,C(Ipurchaser other thar your s ouse is lisied and ou want the title to ` SUBSCRIBED AND SWORN P Y TO BEFORE ME be fisted as Joint Tenant With Right of Survivorship (Or death of one £ r_r,P ownef title goes to surviving owner) CHECK HERE G Otherwise the title s f Will be issued as. Tenants in Common (Or death of one owner. interest or i' ' Deceased owner apes to his/he heirs o. estate i. F. NO LIEN. CHECY _ IL THI Ar ELT" (IF YES FIN REQUIRED, YES i Q F< IJ.I 1ST DENHO_DER FINAIV 'I A_ IIJ.,T7J7111IJ NUMBEP, _rT- t I ST LIENHOcDER IJHMc t Q i T.G C3~ f10 CITY ATF r Ir IE NC 21D JEIJ. CHECY: Imo- III' Ak EL' II' YE`_. FIN REQUIRED eE& NO tl~ 2ND LIENHULDER FI!•lAIJC,A_ INS UTIJI: NUIs15EP P._ £ 2ND LIcNHOLDEH NAM,. F 5 r, - STREE- t W SGr J fZ '.IfF CITV fT STATE ZIP t ~Tjr.'.:?~« f:!1. «~I~I~~iL7l~T!'{~I^T~. r'!'«'1`I'~v,~~'~±~-.!if .'.n5~`.T«'.«f'f~lrCTA:~'..'!'.««..+•. .««r«w.«... Illulia Iii !~'"•-+T'„~E~1T1TT^~1'.l'I'+r ivi, St MEMBERS Pt FEDERAL CREDIT UNION REGULAR SAVINGS ACCOUNT: Account Number/Suffix 124559-00 D-ate Account Established 01/31/1992 Principal Balance at Date of Death $25.20 Accrued Interest to Date of Death $.00 Total Principal and Accrued Interest $25.20 Name of Joint Owner None CHECKING ACCOUNT: Account Number/Suffix 124559-11 D-ate Account Established 01/31/1992 Principal Balance at Date of Death $26.94 Accrued Interest to Date of Death $.00 Total Principal and Accrued Interest $26.94 Name of Joint Owner None SAVINGS ACCOUNT: Account Number/Suffix 114574-00 D-ate Account Established 05/16/1990 Principal Balance at Date of Death $2343.60 Accrued Interest to Date of Death $0.26 Total Principal and Accrued Interest $2343.86 Name of Joint Owner Date Joint Added Janet 2 Roberts 02/22/2012 CHECKING ACCOUNT: Account Number/Suffix 114574-11 D-ate Account Established 05/16/1990 Principal Balance at Date of Death Accrued Interest to Date of Death 02.63 Total Principal and Accrued Interest $00.00 Name of Joint Owner Janet 63 Date Joint Added Janet 2 Roberts 02/22/2012 INVESTMENT SAVINGS ACCOUNT: Account Number/Suffix 05 D-ate Account Established 1 06/16/2007 Principal Balance at Date of Death $3962.13 Accrued Interest to Date of Death $$0.5 2.13 Total Principal and Accrued Interest 396 Name of Joint Owner Janet 65 Date Joint Added 02/22/anet 2 Roberts 2012 MEMBERS 1sT FEDERAL CREDIT UNION ~esssa ~L Klugh Lending Insurance Support Specialist June 25, 2012 Estate of: GREGORY C SCOTT Date of Death: 04/17/2012 Social Security Number: 209-46-1581 5000 Louise Drive • P.O. Box 4O • Mechanicsburg, Pennsylvania 17055 • (800) 283-2328 • v'1uTwmemberslst.org Pennsylvania 1,OBoa 15057 MORTGAGE LOAN STATEMENT - Housing Finance 11arnsburg, PA STATEMENT DATE Agency 17105-5057 LOAN NUMBER: l x5OG202 1062082 Interest Rate: 000% PROPERTY ADDRESS: Current Principal Balance: 1186 SHOREHAM RD Escrow Balance: $66,611.62 CAMP HILL PA 17011-6135 Year To Date Interest: $1,398.57 CURRENT PAYMENT DUE: $680.00 Delinquent Payment(s): $0.00 45891-001070-001 Deferred Late Charge(s): $0.00 GREGORY C SCOTT Other Fees Due: 1186 SHOREHAM RD Less Unapplied Funds: PAYMENT(S): $0.00 CAMP HILL PA 17011-6135 PAST DUE $0.00 TOTAL AMOUNT DUE: $680.00 D J PAYMENT DUE DATE: 06/01/12 TRANSACTIONS SINCE LAST STATEMENT 04/27/12 HAZARD INSURANCE 04/01/12 523 0-00 05/03/12 PAYMENT 05/01/12 680.00 174.25 278.27 227.408 0.00 0.00 LATE FEE INCLUDED WITH "MISC FEES" 0.00 Please forward any tax bills you receive to PHFA as soon as possible so that we may pay them within the discount period. Do NOT include the tax bill with your mortgage payment. See reverse side of statement for address. Please forward any insurance bills you receive to PHFA as soon as possible so that there will be no interruption of your coverage. Do NOT include the insurance bill with your payment. See reverse side of statement for address. LL O O O 7 O N V) M DETACH AT PERFORATION AND RETURN THIS PORTION WITH PAYMENT LOAN NUMBER : 1062082 Make Checks Payable To: PHFA PAYMENT COUPON DUE ON OR BEFORE DUE IF RECEIVED AFTER GREGORY C SCOTT OM 06101112 06/16/12 $680.00 $698.10 PAST DUE PAYMENT(S) $0.00 $0.00 TOTAL AMOUNT DI 1;: $680.00 $698.10 PENNSYLVANIA HOUSING FINANCE AGENCY P.O. BOX 642572 ADDITIONAL PRINCIPAL $ PITTSBURGH PA 15264-2572 ADDITIONAL ESCROW $ TOTAL AMOUNT ENCLOSED 0001062082 0068000 0069810 0601128 Law Offices of SAIDIS, SULLIVAN & ROGERS A PROFESSIONAL CORPORATION 635 NORTH 12TH STREET, SUITE 400 ROBERT C. SAIDIS LEMOYNE, PENNSYLVANIA 17043 CARLISLE OFFICE: DANIEL L. SULLIVAN TELEPHONE: (717) 612-5800 - FACSIMILIE (717) 612-5805 26 WEST HIGH STREET ELYSE E. ROGERS CARLISLE, PA 17013 JOHN A. F OGERSL EMAIL: attorney@ssr-attorneys.com www.ssr-attorneys com TELEPHONE: (717)243-6222 DEAN E. REYNOSA FACSIMILE: (717)243-6486 TODD F. TRUNTZ TODD F. U MATAS SEAN L U MATZ Of Counsel SLIKE ROBERT B. HAMILTON JOHN E. GROSE HANNAH WHITE-GIBSON January 14, 2013 STEPHEN L. . GRO REPLY TO LEMOYNE 717-612-5808 cswiridlert&ssr. -attornevs.com CERTIFIED MAIL R/R/R Register of Wills of Cumberland County One Courthouse Square Carlisle, PA 17013 Q C ~a :rs r~l '`Tr C-) Re: Estate of Gregory C. Scott File No: 21-12-0542 cn Dear Madam: C> Enclosed are the following: c~a -7 1. Original and one copy of the Pennsylvania Inheritance Tax Return. Please note there is a refund due in the amount of $220.60; 2. Inventory; and 3. Check in the amount of $30 representing payment of your filing fees. Please timestamp and return the copy of this letter which is enclosed. If you have any questions or require additional information, please do not hesitate to contact me. Sincerely yours, V ~ &1ee DV. Swindler Legal Assistant to Todd F. Truntz cjr Enclosures cc: Janet C. Roberts (w/o enclosures) M L' ru E' C3 L- o IL C3 l 0 l a- c Ld yr C i 0 ° S o CD n c -A) z V g° m m C f..._m yy CD (D A~ 'T o ZD i CD - ► C~ 0 ~ N c7 ca C? © N a O Q 0)-q O p 0 a W (J1 T a v v o D f-