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HomeMy WebLinkAbout02-20-131505611180 --~ REV-'f 500 EX (02-11) (FI) OFFICIAL USE ONLY PA Department of Revenue Pennsylvania DEPARTMENT OF REVENUE County Code Year File Number Bureau of Individual Taxes INHERITANCE TAX RETURN ~' i ~ ' n ~7 2 PO BOX 280601 I L.t~ Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 05212012 10301927 Decedent's Last Name Suffix Decedents First Name MI BOUDER PEARL E (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name ~ MI Spouse's Soaal Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE BOXES BELOW ® 1. Original Return ~ 2. Supplemental Return 0 3. Remainder Return (Date of Death Prior to 12-13-82) 0 4. Limited Estate ~ 4a. Future Interest Compromise (date of ~ 5. Federal Estate Tax Return Required death after 12-12-82) ® 6. Decedent Died Testate ~ 7. Decedent Maintained a Living Trust 0 8. Total Number of Safe Deposft Boxes (Attach Copy of Will) (Attach Copy of Trust) 0 9. Litigation Proceeds Received ~] 10. Spousal Poverty Credit (Date of Death Q 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 DgI;ECTED T0: Name Daytime Telephone Number ROBERT G. FREY 7172435838 T\~ rmEGISTER OF S U~ Y w First Line of Address I't1 ~ C? ca V3 %n 5 S. HANOVER ST. M ~ ~ ~ ~ o ~ ~v Second Line of Address O ~ Q ~ ~ „ ~ 'Z7 C? C =" C~ Ci or Post Office ty State ZIP Code :T3 DAT ED f" CARLISLE PA 17013 A ~ ~ ~ ~" Correspondents e-mail address: R F R E Y a F R E Y T I L E Y. C O M Under penalties of perjury, I declare that I have examined this return, inGuding accompanying schedules and statements, and to the best of my knowledge and belief, ft is~~er~and complete. Declaration of preparer other than the personal representative is based on alt information of which preparer has any knowledge 51GNAT~ OF PERSO~PONSIBLE FOR FILING RETURN DATE 3 I~RRISON WAY, CARLISLE, PA 17015 SIGt~4~'tJftE F P EP E ~AN R ESENTATIVE ~ p3 ~~ ADDRESS I 5 SOUTH HANOVER STREET, ARLISLE, PA 17013 PLEASE USE ORIGINAL FORM ONLY Side 1 1505611180 150561,1180 J J 1,5D561,1,Z8G REV-1500 EX (Fl) DecedenrsName: PEARL E BOUDER Decedent's Social Security Number RECAPITULATION 1. Real Estate (Schedule A) .......................................... 1. 2 31 D D D . D D 2. Stocks and Bonds (Schedule B) ..................................... 2. 3 2 8 . O 0 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ... 3. N 0 N E n 4. Mortgages and Notes Receivable (Schedule D) ......................... 4. N 0 N E 5. Gash, Bank Deposits and Miscellaneous Personal Property (Schedule E) .... 5. 7 0 2 5 8 . 0 0 6. Jointly Owned Property (Schedule F) CjSeparate Billing Requested ....... 6. 1, 7141.5 D 7. Inter-Vivos Transfers 8 Miscellaneous Non-Probate Property (Schedule G) Separate Billing Requested ....... 7. 316 7 2 . 0 0 8. Total Gross Assets (total Lines 1 through 7) . 8. 3 5 0 3 9 9 . 5 D 9. Funeral Expenses and Administrative Costs (Schedule H) ................. 9. 4 8 O 7 9 • O O 10. Debts of Decedent, Mortgage Liabilities and Liens (Schedule I) .............10. 3 9 5 . D D 11. Total Deductions (total Lines 9 and 10) .............................. 11. 4 8 4 7 4 . D D 12. Net Value of Estate (Line 8 minus Line 11) ............................ 12. 3 D 19 2 5 . 5 O 13. Charitable and Governmental BequestslSec 9113 Trusts for which 0 0 0 an election to tax has not been made (Schedule J) ...................... 13. . ... 14. ~ Net Value Subject to T'eix (Line 12 minus Line 13) ...................... .-_ 14. 3 O 19 2 5 . 5 D TAX CALCULATION -SEE iNSTRUCTtONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X .0 0 15. O.O O 16. Amount of Line 14 taxable at linealrateX.o 45 301,925.50 16. 13586.65 17. Amount of Line 14 taxable at sibling rate X # # ~ 17. 0 • 0 D 18. Amount of Line 14 taxable at collateral rate X # # ## 18. O • O O 19. TAX DUE ...................................... .................. 19. 20. FILL IN THE BOX IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Side 2 13586.65 L 1505611280 1505611280 J REV-1500 EX (FI) Page 3 File Number 202-20-1483 Decedent's Complete Address: 21-12-0623 DECEDENTS NAME PEARL E BOUDER STREET ADDRESS 5 MORRISON WAY CITY STATE ZIP CARLISLE PA 17015 Tax Payments and Credits: 1. Tax Due (Page 2, Line 19) 2. Credits/Payments A. Prior Payments 14000.00 B. Discount 700.00 Total Credits (A + B ) 3. Interest 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Fill in box on Page 2, Line 20 to request a refund. 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE (1) 13586.65 (2) 14700.00 (3) (4) 1113.35 (5) 0.00 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. §9116 (a) (1.1) (i)]. For dates of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disGosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: • The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent, an adoptive parent or a stepparent of the child is 0 percent [72 P.S. §9116(a)(1.2)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent, except as noted in [72 P.S. §9116(a)(1)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent [72 P.S. §9116(a)(1.3)]. Asibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. REV-1502 EX+ (01-10) pennsylvania SCHEDULE A DEPARTMENT OF REVENUE INHERITANCE TAX RETURN REAL ESTATE RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Pearl E Bouder 21-12-0623 All real property owned solety or as a tenant In common must be reported at fair market value. Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts. If more space is needed, use addltlonal sneers or paper or the same sicc. REV-1503 EX+ (7-11) pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE B STOCKS & BONDS ~~ i A i ° ~r FILE NUMBER Pearl E Bouder 21-12-0623 All property jointly owned with ris~ht of survivonhio must ~ dicc~nenei .,., c~tisa..~s c n nwre space is neeoea, insert aoaltlonal sheets of the same size REV-1508 EX+ ~,,.,o, SCHEDULE E Pennsylvania CASH, BANK DEPOSITS, & MISC. NHERIT NCE oAX RETURN PERSONAL PROPERTY RFSInFNT ^FCE~ENT ESTATE OF: FILE NUMBER: Pearl E Bouder 21-12-0623 Include the proceeds of litigation and the date the proceeds were received by the estate. If more space is needed, use additional sheets or paper or one same S~LC. REV-1509 EX+ (01-10) pennsylvania SCHEDULE F DEPARTMENT OF REVENUE JOINTLY-OWNED PROPERTY INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE oF: FILE NUMBER: Pearl E Bouder 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. Joan Henne 3 Morrison Way Daughter Carlisle, PA 17013 B. Erin B. Hench PO Box 65 Grandchild Lion Station, PA 19536 C. Jay Bouder 3254 Patrick Court Son Franklin, OH 45001 JOINTLY OWNED PROPERTY: LETTER DATE DESCRIPTION OF PROPERTY % OF DATE OF DEATH ITEM FOR JOINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR DATE OF DEATH DECEDENT VALUE OF NUMBER TENANT JOINT IDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY HELD REAL ESTATE. VALUE OF ASSET INTEREST DECEDENTS INTEREST ~ US Savings Bonds, spread sheet attached ' A' 13,834.00 50.00% 6,917.00 B US Savings Bonds, spread sheet attached 1,542.00 50.00% 771.00 C US Savings Bonds, spread sheet attached 6,186.00 50.00% 3,093.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 TOTAL (Also enter on Line 6 R ecapitulation) , S 10 781 00 If more space is needed, use additional sheets of paper of the s ame size. . REV-1509 EX+ (01-10) Pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE F JOINTLY-OWNED PROPERTY ESTATE OF: FILE NUMBER: Pearl E Bouder 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 p Jonathon Bouder 216 Ellen Wood Side Street grandchild Pelzer, SC 29669 E Michelle( Bouder) Roscher 315 West Beaver Avenue, Apt. 11 grandchild State College, PA 16801 F Brady Bitting 251 Union Hall Road grandchild Carlisle, PA 17013 JOINTLY OWNED PROPERTY: LETTER DATE DESCRIPTION OF PROPERTY % OF DATE OF DEATH ITEM FOR JOINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR DATE OF DEATH DECEDENT VALUE OF NUMBER TENANT JOINT IDENTIFYING NUMBER ATTACH DEED FOR JOINTLY HELD REAL ESTATE. VALUE OF ASSET INTEREST DECEDENTS INTEREST US Savings Bonds, spread sheet attached 1,542.00 50.00% 771.00 1. A. D US Savings Bonds, spread sheet attached 570.00 2 50.00% 1,285.00 E , US Savings Bonds, spread sheet attached 387.00 2 50.00% 1,193.50 F , 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 TOTAL (Also enter on Line 6, Recapitulation) I $ 3,249.50 If more space is needed, use additional sheets of paper of the same size. REV-1509 EX+ (01-10) pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE F JOINTLY-OWNED PROPERTY t5 fATE oF: FILE NUMBER: Pearl E Bouder 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 RFI ATI(lnlculo Tn ncrcnc~ir G Danielle Norris 85 Trevor Road York, PA 17404 H Grandchild JOINTLY OWNED PROPERTY: LETTER DATE DESCRIPTION OF PROPERTY ITEM FOR JOINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR DATE OF DEATH °~ OF DECEDENT DATE OF DEATH VALUE OF NUMBER TENANT JOINT IDENTIFYING NUMBER ATTACH DEED FOR JOINTLY HELD REAL ESTATE. VALUE OF ASSET INTEREST DECEDENTS INTEREST US Savings Bonds spread sheet attached ~ ~ A' G , 6,222.00 50.00% 3,111.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 TOTAL (Also enter on Line 6, Recapitulation) I ~ 3 111 If more space Is needed, use additional sheets of paper of the same size. REV-1510 Ex+ (08-09) SCHEDULE G Pennsylvania INTER-VIVOS TRANSFERS & DEPARTMENT OF REVENUE INHERITANCETAxRETURN MISC. NON-PROBATE PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER Pearl E Bouder 21-12-0623 This schedule must be competed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes. DESCRIPTION OF PROPERTY ITEM INCLUDE THE NAME OF THE TRANSFEREE, THEIR RELATIONSHIP TO DECEDENT AND DATE OF DEATH % OF DECD'S EXCLUSION TAXABLE THE DATE OF TRANSFER. ATTACH A COPY OF THE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST °F ~`"'~"E' VALU E NUMBER 1. Western National Annuity 2UE10318 31,672 100.00% 0 31,672 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 TOTAL (Also enter on Line 7, Recapitulation) $~ 31,672 If more space is needed, use additional sheets of paper of the same size. REV-1511 EX + (10-09) Pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RE5IDENT DECEDENT SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER Pearl E Bouder 21-12-0623 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. 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: 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: 5. Accountant Fees: 6. Tax Return Preparer Fees: 7. Expenses of real estate listed for sale 8. Advertising in Cumberland Law Journal and the Sentinel 9. Death Certificates TOTAL (Also enter on Line 9, Recapitulation) ~ $ If more space is needed, use additional sheets of paper of the same size. 7, 900 340 39,549 254 36 48, 079 REV-1512 EX+ (12-08) Pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULEI DEBTS OF DECEDENT, MORTGAGE LIABILITIES ~ LIENS ESTATE OF FILE NUMBER Pearl E Bouder 21-12-0623 e___......~.Q :........~ ti~ +tia ,~,.~~ nrinr to loath that remained unpaid at the date of death, including unrehnbursed medical expenses. REV-1513 EX+ (01-10) Pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE J BENEFICIARIES ESTATE OF: Pearl E Bouder NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY 1 TAXABLE DISTRIBUTIONS [Include outright spousal distributions and Uansfers under Sec. 9116 (a) (1.2).] 1 Joan Henne 3 Morrison Way, Carlisle, PA 17015 2 Jay Bouder 3254 Patrick Court, Franklin, OH 45001 RELATIONSHIP TO DECEDENT Do Not Llst Trustee(s) Daughter Son FILE NUMBER: AMOUNT OR SHARE OF ESTATE 50% of Residue 50% of Residue ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 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: 1 B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. TOTAL OF PART II-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. I 0 00 If more space is needed, use add~Uonal sheets of paper of the same size. Expenses of Real Estate Lis#ed for Sale BIC Kitchen 281 UGI 54 Met Ed 123 Diversified Appraisals 350 RT Carey, trash removal 344 UGI 45 Robert Caims, Tax Collector 2,050 Tree Service 1,600 Power washing house 531 UGI 11 Repairs to Kerry Henne 3,427 Repairs to Neil Lindy 200 Renovation, hauling of trash 8 debris 30.533 Total Real Estate Exp 39,549 __. APPRAISAL REPORT 5 MORRISON WAY CARLISLE, PENNSYLVANIA PREPARED FOR THE ESTATE OF PEARL W. BOUDER BY LARRY E. FOOTE DIVERSIFIED APPRAISAL SERVICES 35 EAST HIGH STREET, SUITE 101 CARLISLE, PENNSYLVANIA 17013-3052 (717) 249-2758 COPY, Y90~ SUMMARY OF IMPORTANT FACTS AND CONCLUSIONS LOCATION: 5 Morrison Way Carlisle, Pennsylvania TAX PARCEL NUMBER: 40-11-0288-062 IMPROVEMENTS: Two-story detached single-family dwelling. PROPERTY RIGHTS: Fee simple interest. OWNERSHIP HISTORY: The subject property is owned by Pearl W. Bouder. The property last transferred on July 31, 1997 for a reported consideration of $35,900 and ownership conveyed on Deed Book 162, Page 5 5. SCOPE OF THE ASSIGNMENT: The scope of the assignment included an analysis of the subject's area, an inspection of the subject property, an estimation of the property's highest and best use, consideration of all three approaches to value, and the application of those relevant to the valuation of the subject. CLIENT: The estate of Pearl W. Bouder. INTENDED USER: The estate of Pearl W. Bouder. OBJECTIVE: To estimate the market value of the subject property as unencumbered. EFFECTIVE DATE: May 21, 2012. INSPECTION DATE: June 1, 2012. HIGHEST AND BEST USE: Continued use as asingle-family residence. COST APPROACH: N.A. SALES APPROACH: $231,000 INCOME APPROACH: N.A. FINAL VALUE CONCLUSION: $231,000 2 THE VALUATION PROCESS The valuation process is defined in The Appraisal of Real Estate as published by the Appraisal Institute, as "a systematic set of procedures an appraiser follows to provide answers to a client's questions about real property value." It consists of a series of steps that are appropriate to a specific and particular appraisal assignment that begins with a client engaging a real estate appraiser to develop an opinion of value for a specific property as of a given effective date and ends when the appraiser communicates and reports the final conclusions and opinions to the client. Definition of the Appraisal Problem: The first step in the appraisal process includes the presentation of the following: 1. Identification of the client, the intended use, and the intended users of the appraisal report. 2. The purpose of the appraisal, including a definition of the value being reported. 3. Determination of the effective date of the appraisal report: 4. Extraordinary assumptions that are applicable to the appraisal assignment. 5. Hypothetical conditions that are applicable to the appraisal assignment. Scope of Work: Scope of work is defined in the Uniform Standards of Professional Practice as being "the type and extent of research and analyses in an assignment." This includes the degree and extent of research and the data that is deemed as necessary to develop a credible opinion of value for the property being appraised. Data Collection and Analysis: The appraiser must gather and analyze market area data, subject property data, and comparable property data that is relative and relevant to the appraisal assignment. Development and Application of Traditional Approaches to Value: The appraiser must consider which of the three traditional approaches to value are applicable, relevant, and necessary for developing a credible opinion of value for the subject property. These three traditional approaches to value include the Cost Approach, Sales Comparison Approach, and Income Capitalization Approach. When two or more of these approaches to value are developed, the appraiser must determine the amount of emphasis and consideration to be given to each of those approaches to value, since one or more may have greater significance in the appraisal of a specific property. Reconciliation of Value Indications and Final Opinion of Value: The final step in the valuation process is the reconciliation of the value indications developed by the appraiser. Reconciliation is the analysis of alternative conclusions to arrive at a final value estimate. Reconciliation is required because different value indications result from the use of multiple approaches to value and within the application of a single approach. The final value estimate is not derived simply by applying technical and quantitative 3 t procedures, rather, it involves the exercise of judgment, and the value conclusion reached must be consistent with market thinking. 4 ~ - _ - APPRAISAL CERTIFICATION I hereby certify that upon application for valuation by: THE ESTATE OF PEARL W. BOUDER the undersigned personally inspected the following described property: All that certain piece or parcel of land, with the improvements thereon erected, situate in South Middleton Township, Cumberland County, Pennsylvania, bounded and described as follows: Beginning at a point in southern right-of--way line of Morrison Way at corner of Lot No. 4; thence along Lot No. 4, South 10 degrees 09 minutes 00 seconds East 502.63 feet to a point; thence along lands now or formerly of Dauphin Deposit Bank, South 73 degrees 59 minutes 00 seconds West 220.00 feet to a point; thence along Lot No. 37, North 08 degrees 52 minutes 30 seconds West 503.91 feet to a point in southern right-of--way line of Morrison Way; thence along right-of--way line of Morrison Way, North 73 degrees 59 minutes 00 seconds East 208.73 feet to a point, the place of beginning. To the best of my knowledge and belief the statements contained in this report are true and correct, and that neither the employment to make this appraisal nor the compensation is contingent upon the value reported, and that in my opinion the Market Value as of May 21, 2012 is: TWO HUNDRED THIRTY-ONE THOUSAND DOLLARS $231,000 The property was appraised as a whole, subject to the contingent and limiting conditions outlined herein. .~ Larry E. Foote Pa. Certified General Appraiser GA-000014-L 5 __ - - - INTENDED USE OF THE APPRAISAL The intended use of this appraisal is to estimate the Market Value of the subject property as of May 21, 2012. Market Value is defined as 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: a. Buyer and seller are typically motivated. b. Both parties are well informed or well advised, and each acting in what he considers his own best interest. c. A reasonable time is allowed for exposure in the open market. d. Payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto. e. 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. Source: Office of the Comptroller of the Currency, 12 CFI §34.42(f). HIGHEST AND BEST USE Highest and Best Use is defined by the Appraisal Terminology and Handbook, published by the Appraisal Institute, as "the most profitable likely use to which a property can be put". The opinion of such use may be based on the highest and most profitable continuous use to which the property is adapted and needed, or likely to be in demand, in the reasonable near future. However, elements affecting value that depend upon events or a combination of occurrences which, while within the realm of possibility, are not fairly shown to be reasonably probable, should be excluded from consideration. Also, if the intended use is dependent on an uncertain act of another person, the intention cannot be considered. Based on the above definition and after seeing the site, neighborhood, and area, it is my opinion that the present use of the subject is its Highest and Best Use. 6 OWNERSHIP HISTORY The subject property is owned by Pearl W. Bouder. The property last transferred on July 31, 1997 for a reported consideration of $35,900 and ownership conveyed on Deed Book 162, Page 55. ESTIMATED MARKETING TIME The reasonable marketing time is an estimate of the amount of time that it would take to sell a property at the estimated market value during the period of time immediately after the effective date of the appraisal assignment. It is estimated that if the subject property were offered for sale at the indicated Market Value, a reasonable marketing time would be six to twelve months. This estimate is based upon quarterly sales figures published by Central Penn Multi List, Inc. ECONOMIC TRENDS Historically, property values for similar properties have steadily increased, with vacancy rates remaining stable. However, the recent lag in the economy has resulted in a leveling of appreciation rates and longer marketing times. Financing is readily available to qualified purchasers at reasonable rates and terms. EXPOSURE TIME The length of time the property being appraised would have been offered on the market prior to the hypothetical consummation of a sale at the market value on the effective date of the appraisal. Exposure time is presumed to precede the effective date of the appraisal. The reasonable exposure period is a function of price, time and use. It is not an isolated opinion of time alone. Exposure time is different for various types of property and under various market conditions. It is a retrospective opinion based on an analysis of past events, assuming a competitive and open market. It assumes not only adequate, sufficient and reasonable time but adequate, sufficient and a reasonable marketing effort. Exposure time and conclusion of value are therefore interrelated. Based upon the information presented in this report, a reasonable exposure time for the subject property is estimated to be six to twelve months. 7 SITE DATA ADDRESS: TOWNSHIP: COUNTY: STATE: LOT SIZE: SEWERS: WATER: ELECTRICITY: LANDSCAPING: 5 Morrison Way South Middleton Cumberland Pennsylvania 2.46 acres. On-site septic system. On-site well. Met-Ed Typical for the area, with a sodded lawn, trees and shrubs. DETRIMENTAL INFLUENCES None. Pride of ownership is evident throughout the neighborhood. DESCRIPTION OF IMPROVEMENTS GENERAL DESCRIPTION: One-story detached single-family dwelling containing approxi- mately 2,080 square feet of gross living area above grade, with an attached two-car garage with storage room.. CONDITION: Exterior: Good Interior: Average ROOMS: First Floor: Living room, kitchen with dining area, den, three bed- rooms, full bathroom and two one-half bathrooms. Basement: Full, divided into two rooms and aone-car garage. EXTERIOR: Foundation: Concrete block. Walls: Vinyl siding. Sash: Vinyl-clad, double-glazed. Gutters: Aluminum, painted. Roof: Gable, with shingles. 8 INTERIOR, PRINCIPAL ROOMS: Flooring: Carpet Walls: Drywall Ceilings: Drywall Trim: Wood, painted. KITCHEN: Cabinets: Oak, natural finish. Counters: Laminate Walls: Drywall, painted. Flooring: Carpet Sink: Double-bowl, stainless steel. BATHROOM: Flooring: Carpet Walls: Drywall, painted. Bathtub: Built-in, with shower. Lavatory: Vanity Water closet: Two-piece. Medicine cabinet: Wall-mounted. CONSTRUCTION: Joists: Wood Beams: Wood Columns: Steel Plumbing: Copper and plastic. HEATING: Forced hot air, gas-fired. COOLING: Central air conditioning. HOT WATER: Gas-fired, 42-gallon. ELECTRIC: Circuit breaker system, 200-ampere. OTHER: There is a gas fireplace in the living room. Attached to the front of the dwelling are two covered concrete porches. Attached to the rear of the dwelling is a covered concrete porch and a wood deck. There is a gazebo located on the site, and there is a small balcony attached to the master bedroom. 9 THE APPRAISAL PROCESS Three approaches to value are generally included in an appraisal report. These techniques include the cost approach, sales comparison approach, and income approach to value. The cost approach to value is based on the assumption that the reproduction cost of a building plus land value, tends to set the upper limit to value. A key assumption is that a newly constructed building would have advantages over the existing building, therefore an evaluation focuses upon disadvantages or deficiencies (depreciation) of the existing building compared to anew facility. Due to the age of the subject improvements, the cost approach is considered to be inappropriate and has, therefore, not been included in the development of this appraisal report. The sales comparison approach to value assumes that under normal conditions, a given number of parties acting intelligently and voluntarily, tend to set a pattern from which value can be estimated. Application of this approach relies on a comparison of the subject with a sufficient number of recent transactions of comparable properties in the market, based on a common unit, such as price per square foot of building area. The income approach concerns itself with present worth of the future potential benefits of a property. The initial estimate involves the net income, which a fully informed person is justified in assuming the property will produce during its remaining useful life. This estimated net income is then capitalized into a value estimate, based upon the level of risk as compared with that of a similar type and class. Since homes similar to the subject are not typically utilized asincome-producing investment properties, the income approach to value is considered to be inappropriate and has, therefore; not been included in the development of this appraisal report. 10 SALES COMPARISON APPROACH In arriving at this conclusion of the value of the subject property, the appraiser made a survey of properties that have sold in the area of the subject property. Consideration was given and adjustments were made on each comparable sale as to time of sale, size, location, as well as all other factors that might affect value. A resume of some of the sales considered by the appraiser is as follows: SALE NO. 1: Location: Date of Sale: Sale Price: Size: Unit Price: SALE NO. 2: Location: Date of Sale: Sale Price: Size: Unit Price: SALE NO. 3 Location: Date of Sale: Sale Price: Size: Unit Price: 55 Ridge Avenue, Carlisle. July 1, 2011. $249,900 2,100 square feet. $119.00 per square foot. 2 Kaseeta Drive, Carlisle. September 10, 2010. $228,000 1,620 square feet. $140.74 per square foot. 101 Springview Road, Carlisle. November 1, 2011. $153,000 1,623 square feet. $94.27 per square foot. The appraiser, in addition to the sales listed, also considered several additional sales in arriving at his final opinion of value. On the Sales Comparison Analysis form that follows this page are dollar adjustments reflecting market reaction to those items of significant variation between the subject and comparable properties. If a significant item in the comparable property is superior to, or more favorable than, the subject property, a minus (-) adjustment is made, thus reducing the indicated value of the subject; if a significant item in the comparable is inferior to, or less favorable than, the subject property, a plus (+) adjustment is made, thus increasing the indicated value of the subject. After making all of the necessary adjustments, it is the appraiser's considered opinion that the indicated value of the subject property by the Sales Comparison Approach is $231,000. 11 SALES COMPARISON ANALYSIS ITEM SUBJECT COMPARABLE # 1 COMPARABLE #2 COMPARABLE #3 5 Morrison Way 55 Ridge Avenue 2 Kaseeta Drive 101 Springview Road Address Carlisle Carlisle Carlisle Carlisle Proximity to Subject 8.36 miles 6.32 miles 10.61 miles Sale Price N.A. $249,900 $228,000 $153,000 Price / Sq. Ft. GLA N.A. $119.00 $140.74 $94.27 Data Source Inspection Courthouse & Central Penn MLS Courthouse & Central Penn MLS Courthouse & Central Penn MLS ADJUSTMENTS DESCRIPTION DESCRIPTION $ Adjust_ DESCRIPTION $ Adjust. DESCRIPTION $ Adjust. Sales or Financing $10,000 buyer's cl. $3,000 buyer's cl. Concessions costs pd. by seller. -10,000 None costs pd. by seller. -3,000 Date of Sale /Time As of 5-21-12 7-1-11 9-10-10 t 1-1-11 Location Average Similar Similar Inferior +7,700 Site /View 2.46 acres 1.58 acres +4,400 1.20 acres +6,300 .77 acre +8,500 Design and Appeal One-story detached One-story detached One-story detached One-story detached Construction Vinyl siding Vinyl w/stone & brk. -1,000 Vinyl siding Vinyl siding Age 14 years 13 years 10 years 29 years Condition Average to good Superior -10,000 Superior -10,000 Superior -] 0,000 Above Grade Tot. Bed. Bath Tot. Bed. Bath Tot. Bed. Bath Tot. Bed. Bath Room Count 6 3 1 fl., 7 4 2'/i 6 3 2 5 3 2% 2 1/2 -3,000 +1,000 Gross Living Area 2,080 square feet 2,100 square feet 1,620 square feet +13,800 1,623 square feet +13,700 Basement &Finished Full basement with Full, with family Full, with family Rooms Below Grade one-car garage room and''/2 bath -2,000 room -1,000 Full basement +2,000 Functional Utili Av a Similar Similar Similar Hcatin / Coolin Gas hot air w/cen. air Gas hot air w/cen air Heat um Gas FHA w/cen. air G e/ C rt 2-car a w/stor. 2-car a w/stor. 2-car a w/stor. Two-car ara a +1,000 Porches, Patios 3 porches, balcony, Fish pond, patio, Pools etc. wd. deck, azebo Porch, wood deck +2,000 Porch, wood deck +2,000 wood deck +1 500 Special Energy Typical for the , Efficient Items re 'on. Similar Similar Similar Fi I s Fi lace None +1,000 None +1,000 Fireplace Other (e.g. kitchen equip., remodeling) Built-ins. Similar Similar Similar NetAd'. total -18,600 +12,100 +27 400 Indicated Value , of Subject 231,300 240,100 180,400 FINAL INDICATED VALUE OF SUBJECT PROPERTY: $231,000 12 CORRELATION Correlation may be defined as "the bringing together of parts in a proper relationship." The parts of this appraisal report are the following approaches to value your appraiser used: Value Indicated by Cost Approach N.A. Value Indicated by Sales Comparison Approach $231,000 Value Indicated by Income Approach N.A. These approaches are representative of the market value of the subject property. I have carefully reexamined each step in each method, and I believe the conclusions accurately reflect the attitude of typical purchasers of this type property in this neighborhood. It is my belief that this reexamination has confirmed the original conclusions. The Cost Approach will result in an excellent estimate if all elements are figured accurately, because no prudent person will pay more for a property than the cost to produce a substitute property with equal desirability and utility. Purchasers of the type of dwelling typical of the subject property are more concerned with amenities than with hypothetical replacement of the property. Due to the age of the subject improvements, the Cost Approach is considered to be inappropriate and has not been included in this appraisal report. The Sales Comparison Approach was based on several recent sales of properties similar to that of the subject, all of which are located in the same general area. The adjusted sales prices are most consistent under comparison. This approach is the most reliable because it reflects the reactions of typical buyers and sellers in the market. The Income Approach is most applicable to income producing properties or properties that are primarily utilized for income producing purposes. Purchasers of income producing properties are willing to pay no more for a particular property than the net operating income will support. Since the majority of properties similar to the subject are not utilized for income producing purposes, this approach to value has not been included in this appraisal report. Therefore, as a result of this appraisal and analysis, it is this appraiser's considered judgment and opinion that the Market Value of the subject property, as of May 21, 2012, is: TWO HUNDRED THIRTY-ONE THOUSAND DOLLARS $231,000 13 UNDERLYING ASSUMPTIONS AND LIMITING CONDITIONS SUBJECT TO THIS APPRAISAL 1. I assume no responsibility for matters legal in nature, nor do I render any opinion as to the title, which is assumed to be marketable. The property is appraised as though under responsible ownership. 2. The legal description used herein is correct. 3. I have made no survey of the property, and the boundaries are taken from records believed to be reliable. 4. I assume that there are no hidden or unapparent conditions of the property, subsoil or structures which would render it more or less valuable. I assume no responsibility for such conditions or for engineering which might be required to discover such factors. 5. The information, estimates, and opinions furnished to me and contained in this report were obtained from sources considered reliable and believed to be true and correct. However, no responsibility for accuracy can be assumed by me. 6. This report is to be used in its entirety and only for the purpose for which it was rendered. 7. Neither all nor any part of the contents of this report (especially any conclusions as to value, the identity of the appraiser or the firm with which he is connected) shall be reproduced, published, or disseminated to the public through advertising media, public relations media, news media, sales media, or any other public means of communication, without the prior written consent and approval of the appraiser. 8. This appraisal was prepared under the extraordinary assumption that any easements or rights of way of record have no adverse impact upon the highest and best use or value herein reported. A title search was not requested nor included in the scope of work for this assignment. 9. This appraisal was prepared for the exclusive use of the client identified in this appraisal report. The information and opinions contained in this appraisal set forth the appraiser's best judgment in light of the information available at the time of the preparation of this report. Any use of this appraisal by any other person or entity, or any reliance or decisions based on this appraisal are the sole responsibility and at the sole risk of the third party. The appraiser accepts no responsibility for damages suffered by any third party as a result of reliance on or decisions made or actions taken based on this report. 14 CERTIFICATE OF APPRAISAL I certify that, to the best of my knowledge and belief 1. The statements of fact contained in this report are true and correct. 2. The reported analysis, opinions, and conclusions are limited only by the reported assumptions and limiting conditions and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. 3. I have no present or prospective interest in the property that is the subject of this report and no personal interest with respect to the parties involved. 4. I have no bias with respect to the property that is the subject of this report or to the parties involved with this assignment. 5. My engagement in this assignment was not contingent upon developing or reporting predetermined results. 6. My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. 7. My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standards of professional Appraisal Practice. 8. I have made a personal inspection of the property that is the subject of this report. 9. No one provided significant real property appraisal assistance to the person sign- ing this certification. .~- Larry E. Foote Pa. Certified General Appraiser GA-000014-L 15 PRIVACY NOTICE Pursuant to the Gramm-Leach-Billey Act of 1999, effective July 1, 2001, appraisers, along with all providers of personal financial services are now required by federal law to inform their clients of the policies of the firm with regard to the privacy of client nonpublic personal information. As professionals, we understand that your privacy is very important to you and are pleased to provide you with this information. In the course of performing appraisals, we may collect what is known as "nonpublic personal information" about you. This information is used to facilitate the services that we provide to you and may include the information provided to us by you directly or received by us from others with your authorization. We do not disclose any nonpublic personal information obtained in the course of our engagement with our clients to nonaffiliated third parties, except as necessary or as required by law. By way of example, a necessary disclosure would be to our independent contractors, and in certain situations, to unrelated third party consultants who need to know that information to assist us in providing appraisal services to you. All of our independent contractors and any third party consultants we engage are informed that any information they see as part of an appraisal assignment is to be maintained in strict confidence within the firm. A disclosure required by law would be a disclosure by us that is ordered by a court of competent jurisdiction with regard to a legal action to which you are a party. We will retain records relating to professional services that we have provided to you for a reasonable time so that we are better able to assist you with your needs. In order to protect your nonpublic personal information from unauthorized access by third parties, we maintain physical, electronic and procedural safeguards that comply with our professional standards to insure the security and integrity of your information. 16 . v LARRY E. FOOTE REAL ESTATE APPRAISER EXPERIENCE: 1979-Present: Chief Appraiser, Diversified Appraisal Services, Carlisle, Pa. Principal Broker, LaRue Development Company, Carlisle, Pa. 1976-1979: Associate Broker, Colonial Realty, Carlisle, Pa. 1972-1976: Realtor Associate, Jack Gaughen Realtor, Carlisle, Pa. Appraisal experience included undeveloped land, farms, building lots, single-family dwellings, mobile home parks, medical centers, nursing homes, motels, apartment buildings and complexes, office buildings, service stations, veterinary clinics, rehabilitation centers, retail buildings, daycare centers, warehouses, and manufacturing facilities. EDUCATION: Bachelor of Business Administration, Pennsylvania State University, 1976. Associate Bachelor of Business Administration, Harrisburg Area Community College, 1974. Diploma, Carlisle Senior High School, 1965. Certificate, Pennsylvania Realtors Institute, GRI I, GRI II, GRI III. Certificate, Realtors National Marketing Institute, CI 1 O1, CI 102, CI 103, CI 104, CI 105. Standards of Professional Practice, American lnstitute of Real Estate Appraisers. Real Estate Appraisal Principles, American Institute of Real Estate Appraisers. Residential Valuation, American Institute of Real Estate Appraisers. Appraisal Procedures, Appraisal Institute. Principles of Income Property Appraising, Appraisal Institute. Case Studies in Real Estate Valuation, Appraisal Institute. Report Writing and Valuation Analysis, Appraisal Institute. PROFESSIONAL LICENSES: General Appraiser #GA-000014-L, Commonwealth of Pennsylvania. Real Estate Broker #RB-029729-A, Commonwealth of Pennsylvania. PROFESSIONAL DESIGNATIONS EARNED: GRI: Graduate of the Pennsylvania Realtors Institute, awarded by the Pennsyl- vania Association of Realtors. CRS: Certified Residential Specialist, awarded by the Realtors National Market- ing Institute of the National Association of Realtors. CCIM: Certified Commercial Investment Member, awarded by the Realtors National Marketing Institute of the National Association of Realtors. PROFESSIONAL ORGANIZATION AFFILIATIONS: National Association of Realtors Appraisal Section. Greater Harrisburg Association of Realtors. Pennsylvania Association of Realtors. National Association of Realtors. Realtors National Marketing Institute. 17 PAST CLIENTS: Borough of Carlisle Keystone Financial Mortgage Cornerstone Federal Credit Union Pennsylvania State Bank Commerce Bank Cumberland-Perry Association for Retarded Citizens Carlisle Suburban Authority Members ls` Federal Credit Union Pennsylvania National Bank Evans Financial Corporation Greenawalt & Company, CPA Smith's Transfer Corporation Carlisle Department of Parks and Recreation Executive Relocation Services Carlisle Area School District Messiah Homes, Incorporated ERA Eastern Regional Services Pennsylvania Turnpike Commission Chase Home Mortgage Corporation Defense Activities Federal Credit Union Pennsylvania State Employees Credit Union PNC Mortgage Corporation F&M Trust Company National City Mortgage Corporation Washington Mutual Home Loans, Inc. Prudential Relocation Services Lender's Choice Market Intelligence, Incorporated United Telephone Employees Federal Credit Union Cumberland County Commissioners Allstate Enterprises Mortgage Corporation Dickinson College PPG Industries, Incorporated Gettysburg College Redevelopment Authority of Cumberland County Record Data Appraisal Services, Incorporated First United Federal Savings Association Fulton Bank United States Marshall Service GMAC Mortgage Corporation Orrstown Bank Letterkenny Federal Credit Union BancPlus Mortgage Corporation Coldwell Banker Relocation Services, Incorporated Central Pennsylvania Savings Bank Mellon Bank Provident Home Mortgage Corporation Drovers Bank 18 American Home Bank Trans Union M&T Mortgage Corporation Cody Financial Mortgage Services Waypoint Bank Northwest Savings Bank Blue Ball National Bank Adams County National Bank Countrywide Home Loans Aarrow Mortgage Various law firms and individuals 19 PHOTOGRAPHS OF THE SUBJECT IMPROVEMENTS W __Y~~}- 1 ag' AAAI J' ~ ~. STREET. SCENES AT THE SUBJECT PROPERTY 20 w ~ ' .?t 1i ~; v ',p~._ `~f ~~' ~ ~` ,. ~~ . -; -~'~ " ". 21 ~~ _ ,.~ COMPARABLE SALE NO. 1 COMPARABLE SALE NO. 2 (:UMPARABLE SALE NO. 3 • •~ y ~ 2~ m 600 ft F•. ~f ri LEn~'~`f: •: rt •+i`v cS .Z Subject rnapt~u~st ,~r, . ^ ;;:~~d-'~'32 IHaRQuest ~01TIOn5 ~28121Mermap ~t,V'~~Q- SUBJECT PROPERTY LOCATION MAP 22 _ __ AVP Historical Prices ~ Avon Products, Inc. Common Stoc Stock -Yahoo! Finance 2/1/13 1:17 PM 'Vprpy i1S8i? ' iSi?" cat(,]Y'. ;~ .~iulKff ~~~ MY `tlOsTtECaC~@ n~fa:i 1~~,'if ?h;;G 1 .......,.,..,~, .~„ ..._.. Search Search Web NOME !N~lESTI~~G nlEifiJS PERSt?NRi. ~ f~~~M A~'? ?~~ r t:~~ ~;- c: Qu?,_ . Cset Quotes ~ Finance Search Fn, Feb 1, 2013, 1:16pm EST - US Markets close in 2 hrs and 44 mins __ _ _ _ __ _ _ Dow t0.98°l° Nasdaq '!•1.21°P~ _ _ __ " i'! ~ ~ ! ,; OPEN AN ACCOWKT _... _.. _....... ._....... .... ~.. [~kMAO[ SZCVRITI[f LLC Avon Produc#S Inc. (AVP) -NYSE Add to Portfolio Like 11 1 ~ ^ O~ t ~}. ~ ~ ~~. ~~ °la} 1:16PM EST -Nasdaq Real Time Price Historical Prices ; -------.-T--~--, ..._._.__ Get Historical Pricsa for. ` G© AdChoices Set Date Range _.....w,., _. __ Daily Start Date ;.:May ~ ; ~ 11 2012 ~ Eg. Jan 1, 2010 ~~Weekl ~.~._.~,, _ y End Date ' MaY~ - 11 ~ :2012 Monthly ~iDividends Only I Get Prices ~ First ~ Previous ~ Next ~ Last Prices Date Open High low Close Volume Adj Close' May 11, 2012 20.97 21.18 19.83 20.19 39,917,300 19.60 "Close price adjusted for dividends and splits. iDOWnioad to Spreadsheet Currency in USD. First ~ Previous ~ Next ~ Last ~., y, ~ ~ v lit, ~ `e-- , http://finance.yahoo.com/q/hp?s=AVP&a=04&b=11&c=2012&d=04&e=11&f=2012&g=d Page 1 of 2 2002 Ford Windstar Minivan LX What Your Car is Worth ., - Page 1 of 2 I Sion In I Mobile I ~iP I Newsletter I Inside Line I II Home > ars > For > Windstar > 2002 w'indstar Minivan > Prices with ODtions > Prices with Options Results AfPO11QAaLrrY CALCIA.ATOR wMAT p YOrIR MATdI? 1lYlf hEA~al 1XAY lli@ Find out how much you can rd Discover the hest vehicles ~~ ~ e~ of buying fell u5 your des+red Your preferences. new vs Dsed m0^ihly pdyment5 £~ • get a pn<e range for Our remmmendaticns. C In the current economic Try 2 today you ~~ c°+mate, buy+ng 'sew ` your next ':ar migrt tte s~.rpnseC. may aRudlly Save you money. Use Edmunds.com to accurately appraise your used car. Zip Code 8: Style Colors ar Options Condition & Mileage True Market Value• 2002 Ford Windstar Minivan -What Your Car is Worth 17U13 UPDATE Prrdrg tar u~_+ CarBtie, PA True MariaeR Value' Trade-in Dealer Retail #2.561 #3,969 Private Party Sale ;3,078 Photos Videos ~¢Q Pricin0 Oahiis for a 2002 Ford 1Nindstar Minivan LX 4dr Minivan Customized True Market Valt.ie• Prices National Base Price Optional Equipment Front Side Airbags AM/FM/Cassette Audio System Color Adjustment - Light Blue Regional Adjustment - for Zip Code 17013 Mileage Adjustment - 65,000 miles Condition Adjustment - Average Total Tips and Advice 10 Steos to Buvinq a New Car 10 Steos to Selling Your Car New Car Buvinq Guides Fuel Economy Car Safety Car Technology Trade-In Private Party O~ealer Retail ;2,260 ;2,950 ;4,099 ;~ #105 ;146 ;55 ;64 ;89 ;35 ;41 #$7 3-3 ;-5 ;-6 #5 ;7 #9 ;876 ;876 ;876 5-667 ;-855 #-1,155 ;2,561 ;3,078 ;3,969 Buying a Certified Used Vehk:le Certified Used Price AutoChedc Vehicle History Report Dealer Retail Vehicle not eligible for ce-tification. AW6tTISEMENr ,~~ ~,M rf,r~ ~,., may,- ._ Chance ~o Win a $500 Gift Card! Predict which cars ane more appealing. Salad ~ ~~ ~~.- '~a~,i0a. o0 http://www.edmunds.com/ford/windstar/2002/tmv-appraise-results.html 5/24/2012 ADVEitTISEMENT ~/ISit spwwwrW by FreeCreditScore.com .. Mdse sure w>ttr credit is ready for a aew car Check roar 201 nn~i Sriu,. ~ VKK~"1 UWN BANK A Tradition of Excellence June 8, 2012 Frey & Tiley Attorneys At Law Robert G. Frey 5 South Hanover Street Carlisle, PA 17013 Fax: 243-6441. Re: Estate of Pearl E. Bouder Social Security Number 202-20-1483 Date of Death 5/21/2012 IT IS HEREBY CERTIFIED THAT THE ABOVE NAMED DECEDENT HAD THE FOLLOWING ACCOUNTS WITH ORRSTOWN BANK: CERTIFICATE OF DEPOSIT Account No.- 4000038855 Account Type- 48-59 Month Growth CD Date Opened- 8/20/2010 Joint Account (name/date}- No Balance- $10,3 55.82 Accreted Interest- $1.70 Account No.- 4000040829 Account Type- 18-23 Month Growth CD Date Opened- 3/ 11 /2011 Joint Account (name/date)- No Balance- $10,126.20 Accrued Interest- $2.91 Best Regards, ~- C,(.~ Jill R. Worthington Deposit Processing Clerk 2695 Philadelphia Avenue Chambersburg, PA 17201 1.888.ORRSTOWN ~tv~~.~rrs~~u~.c~a~ ,~; ~PNC June 13, 2012 Robert G Frey . Attorney. at Law ~ , 5 S Hanover St Carlisle PA 17013 r_ _ - __ ~I C. I~~LJ e. 2/J _ RE: Pearl Bonder SSN: 202-20-1483 0 /21 2 12 -" Dear Sir/Madam: rn response to your request for Date of Death (DOD) balances for the customer noted above, our records show the following: Chec~iz-g ,A.ccount Account # 5140180966 Established: 08/01/1970 PEARL B ODDER JOHN M BOUDER DOD balance: X45,786.04 + 0.38 accrued interest Ynterest Paid 01/0]/2012 thru OS/Z1/2012 X1.83 'Y'TD Xnvestment Account ~'he decedent znaantained Investnr~ent ,A,ccount 5217905. For further infornaataon, you may call the Brokerage Department at 1-800762-6111. Please note that this office provides date of death balances for deposit accounts (rR.As, CDs, Checking and Savings). We do not process any Snancial trapsactions or pro~-ide statements, if you need assistance ~irh any of these items, please call 1-888-1'NC-13ANT~ (1-B88-762-2265} or stop by your local PNC Bank branch office. 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U V: U: V U U U -1 ~~ r.. , ; , a +-+ C N fl.. ~.+ ~. ~ ~ L ~: `~:C r: •- t>3 : ~ Q ~ O "a ~ M N.~. tin O N r~i ..~ ,~ 0 0 ~ Z Z ~-, F"~ ` W : LA z:z a c w 0 M w b a a M LA ~--i ~--i N .--i N N t0 L C Q1 .~ L fp .i.~ 0 L a..i G !Q i v 0 ~' GJ b a 08/22/2012 17:17 8063426966 WNL VALIC PAGE 02/02 WESTEf~N ~ NATIC7NAL Llfe Insurance Gc,.mpany rn, Br~Y, ~>> Q~"1~fl~l~, lex~ia 75~1CI ~ r~~71 1~uguSt 22, 2012 DONNA POLLACK FA3~# 1-717-691-4051 Re: Annuity Contract 2UE 10318 Deceased Peari Bonder Dear. Ms Pollack: Thank you .fox your recent inquiry regarding the above referenced annuity contract. We would like to take this opportunity to respond to your request. The accumulated value of this contract as of 05/2x/2012, the date of death, is $31,71.75. Ms Pollack, we appreciate the opportunity to assist you. Should you have any questions, please contact our Client Care Center at 1-500-424-4990. Sincerely, r Linda Perez Annuity Claims Department _. _ __ - ems" r~-.~ ~.s :'] ~ LAST WILL AND TESTAMENT r .~ ! f PEARL WO BOUDER ~ ;7 C11 ~ r~-~-, U" _ ~ _ y_~ I, PEARL W. BOUDER, of Middlesex Township (mailing address: 11? North M' ~~ ~ ~`~ -'r~ :.. Road, Carlisle, Pennsylvania 17013), Cumberland County, Pennsylvania, being of sou d ~ :~ --i .. disposing mind, memory and understanding, do hereby make, publish and declare this and ....' ~~ for my Last Will and Testament, hereby revoking and making void any and all Wills by me ~` at anytime heretofore made. I! 1. I direct my hereinafter named Executors to pay all of my just debts and funeral expenses as soon after my death as may be found convenient to do so. '_ 2. All of the rest, residue and remainder of my Estate, real, personal and mixed, and wheresoever the same may be situate, I give, devise and bequeath to my husband, John M. Bouder, his heirs and assigns, to the exclusion of my children, born and unborn, provided my said husband, John M. Bouder, shall survive me by a period of ninety (90) days. 3. Should my said husband, John M. Bouder, pre-decease me or fail to survive me by the aforesaid period of ninety (90) days, then in such event all of the rest, residue and ,: remainder of my Estate, real, personal and mixed, and wheresoever the same may be situate, I give, devise and bequeath as follows: (a) Any interest which I may have in the house and lot of ground situate in ~ Sough Middleton Township, Cumberland County, Pennsylvania, known as and numbered 113 Petersburg Road, I give, devise and bequeath to my daughter, Joan M. Bouder Armstrong, ;' her heirs and assigns, provided she shall survive me by a period of ninety (90) days, but should ~ she fail to so survive me then to such of her issue as shall survive me by a period of ninety (90) days and should there be no such issue then the same shall lapse and be included in the residue of my Estate. This devise and bequest to my daughter shall be under and subject to any liens and encumbrances which may pertain to said house and lot of ground. (b) Any interest which I may have in the house and lot ground known as 1058 Victoria Avenue, San Leandro, California 94577, presently occupied by my son, Jay M. Bouder and his wife Patti S. Bouder, I give, devise and bequeath to my son, Jay M. Bouder and his wife Patti S. Bouder, or to the survivor of them, provided at least one~of them shall survive me by a period of ninety (90) days, but should neither of them survive me by a period of ninety (90) days, then to such of their issue as may survive me by a period of ninety (90) days, per stirpes, and if there be no such issue then the same shall lapse and be included in the balance of my Estate. This devise and bequest to my son and his wife shall be under and subject to any liens and encumbrances which may pertain to said house and lot of ground. (c) The balance thereof I give, devise and bequeath in equal shares to my two (2) children, Joan M. Bouder Armstrong, and my son, Jay M. Bouder, their heirs and assigns, provided they shall survive me by a period of ninety (90) days, but should either of them fail to so survive me then the share such deceased child would have recieved shall pass to such of his or her issue as shall survive me by a period of ninety (90) days, per stirpes, and if there be no such issue the same shall lapse and be added to the other share. 4. I hereby nominate, constitute and appoint my said husband, John M. Bouder, as 3 Executor of this my Last Will and Testament, but should he pre-decease me or fail to qualify, then in such event I nominate, constitute and appoint my son and daughter, Jay M. Bouder and Joan M. Bouder Armstrong, or either of them, as co-Executors, and I further direct that none of them shall be required to post any bond to secure the faithful performance of his or her duties in the Commonwealth of Pennsylvania or in any other jurisdiction. Page 1 of 2 Pages IN WITNESS WHEREOF, I have hereunto set my hand and seal to this my Last Will and Testament written on two (2) pages, this 30th day of b7ay 1984. _.(~J'~~,~ /W _ ~Q-~~, (SEAL) Pearl W. Bouder ; Signed, sealed, published and declared by PEARL W. BOUDER, the Testatrix above named, as and for her Last Will and Testament, in our presence, who, in her presence, at her request, and in the presence of each other, have hereunto subscribed our names as attesting witnesses. y~ ~._ ~- / ,. Uv~ Page 2 of 2 Pages