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HomeMy WebLinkAbout03-08-13__~ ,~ ORIGINAL 1505610101 REV-1500 ex `°'-'°' OFFICIAL USE ONLY PA Department of Revenue Pennsylvania Bureau of Individual Taxes `"p`"`" County Code Year File Number Po Box 280601 pINHERITANCE TAX RETURN Harrisburg, PA t~iz8-o6Di RESIDENT DECEDENT ~ ~ ~ ~ ~ ~ (~ y ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 8 05/29/2012 07/27/1938 Decedent's Last Name Suffix Decedent's First Name MI Herlihy Rose H (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 O 2. Supplemental Return O 3. Remainder Return (date of death prior to 12-13-82) O 4. Limited Estate O 4a. Future Interest Compromise (date of O 5. Federal Estate Tax Return Required death after 12-12-82) ~ 6. Decedent Died Testate O 7. Decedent Maintained a Living Trust D 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 O 11. Election to tax under Sec. 9113(A) between 12-31-91 and 1-1-95) (Attach Sch. O) CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED T0: Name Daytime Telephone Number Gary J. Imblum, Esquire (717) 238-52,~j First line of address 4615 Derry Street Second line of address City or Post Office Harrisburg State ZIP Code PA 17111 Correspondent's a-mail address: gary.imblum@Imblumlaw.COm REGIST~ OF WILLS US -{3NLY ~ ~ C ~--' O ~ ~ rt' _,~ ~+ y,. t-- ....I ra r- ..,,, n-, rr, _ rrl ' '~ %~'~ Ca C~ DATE FILED ~ r.. n"Y .,.. t ~~ c.~ cn a ~~ ~ Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete. Declaration of preparer other than the personal representative is based on all information of which pn:parer has any knowledge. SIGf~rFtJR F PERSONBESPONSIBLE FOR FILING RETURN DATE CTi ~ ~ ~ ADD ESS 2 Allendale amp Hill, P .17011 SIGNATURE OF P EP ER N S TIVE DATE ~ S .~ - ._ 3 -I 3 ADDRE~g/J ~~ti ~ ~~ V S ~ ~-rb~ P~- , 17~~ ~ LEASCUSE ORIGINAL FORM ONLY Side 1 1505610101 1505610101 J 1505610105 REV-1500 EX Decedent's Social Security Number Decedent's Name: Rose H. Herlihy RECAPITULATION 1. Real Estate (Schedule A) ........................................... .. 1. 130,669.33 2. ..................................... Stocks and Bonds (Schedule B) 2, .. 0.00 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ... .. 3. 0.00 4. 9 9 ( ) ......................... Mort a es and Notes Receivable Schedule D 4. .. 0.00 5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E)..... .. 5. 1,869.97 6. Jointly Owned Property (Schedule F) O Separate Billing Requested ..... .. 6. 0.00 7. Inter-Vivos Transfers 8 Miscellaneous Non-Probate Property 00 0 (Schedule G) O Separate Billing Requested...... .. 7. . 8. Total Gross Assets (total Lines 1 through 7) .......................... ... 8. 130,669.33 9. Funeral Expenses and Administrative Costs (Schedule H) ................ ... 9. 15,455.50 10. Debts of Decedent, Mortgage Liabilities, and Liens (Schedule I) ........... ... 10. 123,385.83 11. Total Deductions (total Lines 9 and 10) .............................. ... 11. 138,841.33 12. Net Value of Estate (Line 8 minus Line 11) ........................... ... 12. 0.00 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. 0.00 TAX CALCULATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 0 00 (a)(1.2) X .0_ 15. . 16. Amount of Line 14 taxable 0 00 at lineal rate X .0 45 16. . 17. Amount of Line 14 taxable 0 00 at sibling rate X .12 17, . 18. Amount of Line 14 taxable 0 00 at collateral rate X .15 18• . 19. TAX DUE .................................................... .....19. 0.00 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT O Side 2 1505610105 1505610105 v REV-1500 EX Page 3 Decedent's Complete Address: File Number Rose H. Herlihy -- STREETADDRESS Claremont Nursing Home 1000 Clarement Road CITY Carlisle STATE ZIP PA 17013 Tax Payments and Credits: 1. Tax Due (Page 2, Line 19) (1) 2. CreditslPayments A. Prior Payments B. Discount Total Credits (A + B) (2) 3. Interest (3) 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) 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. o.oo 0.00 0.00 0.00 0.00 PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred :.................................................................................... ...... ^ x^ b. retain the right to designate who shall use the property transferred or its income : ...................................... ...... ^ c. retain a reversionary interest; or .................................................................................................................... ...... ^ d. receive the promise for life of either payments, benefits or care? ................................................................ ...... ^ ^K 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? ........ ...... ^ 0 4. Did decedent own an individual retirement account, annuity or other non-probate property, which contains a beneficiary designation? .................................................................................................................. ...... ^ ^x IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994, and before Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent [72 P.S. §9116 (a) (1.1) (i)]. For dates of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: • The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent, an adoptive parent or a stepparent of the child is 0 percent [72 P.S. §9116(a)(1.2)j. • The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent, except as noted in 72 P.S. §9116(1.2) (72 P.S. §9116(a)(1)J. • 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)J. 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 DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE A REAL ESTATE ESTATE OF: FILE NUMBER: ROSE HELEN HERLIHY 2012-01164 All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts. Real property that is jointly-owned with right of survivorship must be disclosed on Schedule f. Attach a copy of the settlement sheet if the property has been sold• ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE NUMBER OF DEATH DESCRIPTION 1• ~ Real Estate - 23 Kensington Drive, Camp Hill, Pennsylvania 17011 (Sale price of $129,900.00 plus Adjustments for advance taxes paid of $769.33, line 420 HUD1) 130,669.33 Sold 12119/2012 (see appraisal, HUD 1 and deed transferring title to buyer, attached hereto) TOTAL (Also enter on Line 1, Recapitulation.) $ 130,669.33 If more space is needed, use additional sheets of paper of the same size. REV-1508 EX+ (6-98) ~ COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDVLE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY ESTATE OF FILE NUMBER ROSE HELEN HERLIHY 2012-01164 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointty-owned with right of survivorship must be disclosed on Schedule F. (If more space is needed, insert additional sheets of the same size) V'iEiV-°:511 FX+ (1.0-09) ~`-'i Pennsylvania ~~ DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER ROSE HELEN HERLIHY 2012-01164 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: I' Malpezzi Funeral Home 8,172.00 B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s) of Personal Representative(s) EII@@n SImpSOn Street Address 230 Allendale Way city Camp Hill state PA ZIp 17011 Year(s) Commission Paid: 0.00 Z. 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; ~• Filing Fee to File Petiton for Approval of Sale of Real Estate & Disbursement of Proceeds B. Legal Advertising (Unpaid costs for legal advertising at $182.68) 9. 10. 11. TOTAL (Also enter on Line 9, Recapitulation) I $ If more space is needed, use additional sheets of paper of the same size. 6,946.00 272.50 15.00 50.00 15,455.50 RF!V-7..61.7 EX+ !!7-08) ~~i Pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES & LIENS _... __ ESTATE OF FILE NUMBER ROSE HELEN HERLIHY 2012-01164 Report debts incurred by the decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expenses. If more space is needed, insert additional sheets of the same size. 1 ~` REV-1513 EX+ (01-10) ` ~' Pennsylvania SCHEDULE ~ DEPARTMENT OF REVENUE INHERITANCE TAX RETURN BENEFICIARIES RESIDENT DECEDENT ESTATE OF: FILE NUMBER: ROSE HELEN HERLIHY 2012-01164 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS [Include outright spousal distributions and transfers under Sec. 9116 (a) (1.2).] 1~ Christopher Herlihy, 3 Lonk Lane, Mechanicsburg, PA 17055 Son of Decedent 25% 2. Eileen Simpson, 236 Allendale Way, Camp Hill, PA 17011 Daugher of Decedent 25% 3. Diane Short, 37 Kensington Drive, Camp Hill, Pa 17011 Daughter of Decedent 25% 4. David Herlihy, III, 2230 2nd Street, Steelton, PA 17113 Son of Decedent 25% 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 $ If more space is needed, use additional sheets of paper of the same size. a REGISTER OF WILLS CUMBERLAND COUNTY PENNSYLVANIA CERTIFICATE OF GRANT OF LETTERS No . 2012- 019 64 PA No . 21- 12- 1164 Estate Of : ROSE HELEN HERLIHY (First, Middle, Last) a/k/a : ROSE H HERLIHY Late Of : MIDDLESEX TOWNSHIP CUMBERLAND COUNTY Deceased Social Security No: 165-30-4628 WHEREAS, on the 5th day of November 2012 an instrument dated July (7th 1990 was admitted to probate as the Iasi will of ROSE HELEN HERLIHY _ (First, Middle, Last) a/k/a ROSE H HERL/HY late of M/DDLESEX TOWNSH/P, CUMBERLAND County, who died on the 29th day of May 2012 and, WHEREAS, a true copy of the will as probated is annexed hereto. THEREFORE, I, GLENDA EARNER STRASBAUGH Register of Wills in and for CUMBERLAND County, in the Commonwealth of Pennsylvania, hereby certify that I have this day granted Letters of ADMINISTRA T/ON C. T.A, to: EILEEN R SIMPSON who has duly qualified as ADM/N/STRATOR(R/X) C.T.A. and has agreed to administer the estate according to law, all of which fully appears of record in my office at CUMBERLAND COUNTY COURT HOUSE, CARL/SLE, PENNSYL VAN/A. IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed the seal of my office on the 5th day of November 2012. **NOTE** ALL NAMES ABOVE APPEAR (FIRST, MIDDLE, LAST) a ~~,~~ SCI ~zt~ ~~~#~~tf ~~ ROSE H. HERLIHY I, ROSE H. HERLIHY, of Camp Hill, Cumberland County, Penn- sylvania, being of sound and disposing mind, memory and under- standing, do make, publish and declare this to be my Last Will and Testament, hereby revoking and making void all Wills, Codicils or writings heretofore made by me. ITEM I. I direct that the payment of my debts and the ex- penses of my last illness and funeral shall be paid from my estate as an administrative expense as soon after my death as conveniently may be done. ITEM II. I direct that all taxes that may be assessed in consequence of my death, of whatever nature and by whatever juris- diction imposed, shall be paid as part of the expenses of the ad- ministration of my estate. ITEM III. All the rest, residue and remainder of my estate, real, personal or mixed, of whatever nature and wheresoever the same may be situate, I give, devise and bequeath unto my husband, DAVID F. HERLIHY, JR.; conditioned, however, that in the event of his death in my lifetime, or in the event that my said husband and I shall perish at the same time in a common disaster, or in the event of my said husband's death within thirty (30) days after my death, then the said devise and bequest of my residuary estate shall lapse or be divested. ~ f Page 1 of 4 Pages _(i ~' ` ;'~~..,~z,o (SEAL) RO E H. ~IERLIHY /~ L , ITEM IV. Should my said husband predecease me, I give, de- vise and bequeath my residuary estate to my children, per stirpes. ITEM V. I appoint my Executor guardian of any minor bene- ficiaries herein with power (1} to hold for minor all property pay- able by law to a guardian appointed by my Will; (2} after con- sidering the minor's wishes, to retain tangible personal property or deliver it to the person standing in the place of a minor's parent, without bond; (3) to invest the balance of the minor's property and all accumulated income without the restriction to in- vestments authorized for fiduciaries; and (4) to use income and principal for the minor's maintenance and education, either directly or by payment to any person selected to disburse it whose receipt shall be a complete acquittance therefor. All unexpended principal and income shall be paid to the minor at majority. For purposes of this Will, majority shall be eighteen (18) years of age. My guardian may, in discharge of all duties hereunder, pay any minor's share deemed impract.ir_al of administration to the person standing in place of the minor's parent or deposit it in an interest-bearing account in the minor's name. ITEM VI. No interest of any beneficiary under this Will or any Codicil hereto shall be subject to anticipation or voluntary or involuntary alienation. ITEM VII. In addition to powers given them by law, my ,, ~ ; ~- ~/ P a g e 2 o f 4 P age s !..~)~ ~ ~-~~~ / ~Yf_ ~~-.~~?,~ _ (SEAL ) RpSE~ H. HERLIHY ~' (~I Executor or any successor acting hereunder shall have the following powers, applicable to all property held by them, effective without Court Order and until actual distribution: A. To retain any property received by them (in- eluding the stock of any corporate fiduciary acting hereunder); B. To sell real estate for any purpose, publicly or pri- vately, for such prices and on such terms as they deem proper, without liability on the purchasers to see to application of the purchase moneys; C. To compromise controversies; D. To distribute in cash or kind or both at such valua- tions as they may fix. ITEM VIII. I hereby nominate, constitute and appoint my hus- band, DAVID F. HERLIHY, JR., Executor of this my Last Will and Testa- ment. In the event that David F~, Herlihy, Jr. is unable or un- willing to serve in that. capacity, then I nominate, constitute and appoint my son, DAVID F. HERLIHY, III, as alternate Executor of this, my Last Will and Testament. ITEM IX. I direct that my personal representative shall not be required to give bond for the faithful performance of his duties, any law of any state or jurisdiction to the contrary notwithstanding. IN WITNESS WHEREOF, I have set my hand and seal to this my Page 3 of 4 Pages ~ ~~~`~~' ~,'~~; ~'K ! `=~~ Z~,,;' _(SEA~) ~RCYSE H. HERL' IHY ~; Last Will and Testament consisting of this and three (3) other pages at the end of which T have also set my hand and affixed my seal for greater security and better identification, this ~ day of - , 1990. Page 4 of 4 Pages ~.-~. _~(~ i '~Z~~,~~~~,'. (SEAL) ROSE H'~. HERLIHY i'/ f. We, the undersigned, hereby certify that the foregoing Will was signed, sealed, published, and declared by the above-named Testatrix as and for her Last Will and Testament, in the presence of us, who, at her request and in her presence, and in the presence of each other, have hereunto set our hands and seals the day an~'year above-written, and we certify that at the time of execution thereof, said Testatrix wff~~s~ o~' sound and disposing mind and memory. '~ ~-'. ~- ~ ~ :, d ~t., ~~6~~ 1~'~, Residing at ~' ` .~ ~, ~ ~" ~,:,~_ ti . .J ~ rsJi~~~._ ~-.~ Residing at f ~l ~ 7 ~.~~c.~~f~ ~~ ~~;4c.~.~. ~' A ~ ~ ~ t COMMONWEALTH OF' PENNSYLVANIA COUNTY OF DAUPHIN SS: Rose H. Herlihy, whose name is signed to the attached or foregoing instrument, having been duly qualified according to law, do hereby acknowledge that I signed the instrument as my Last Will and Testament; that I signed it willingly, and that I signed it as my free and voluntary act for the purposes therein expressed. Sworn and acknowledged before me by Rose H. Herlihy, the within Testatrix, this - day of ~.:-~.. ~ - ,; , 1990. ROSE H. HERLIH ,, ;l ... ;, _ , i. Notary Public My Comm. Expires~m~.=.~...~,w _':~ ,,~~„_ fJQT~~r4L. Sflf. ~' -...~..`.1 7~ilaRl~;I JRt > C~UPH!~:1 COMMONWEALTH OF PENNSYLVANIA " ~"`"°~"~''~'~` COUNTY ~ DAUPHIN 55: We, , . _ ~. '' .._ .. _. _ and . - - %~ _ .. .- the witnesses whose names are signed to the attached instrument, being duly qualified according to law, do depose and say that we were present and saw Rose H. Herlihy sign and execute the instrument as her Last Will and Testament; that she signed it as her free and voluntary act for the purposes therein expressed; that each of us in the hearing and sight of the Testatrix signed the Will as witnesses and that to the best of our knowledge, the Testatrix was at that time 18 or more years of age, of sound mind and under no constraint or undue`~in,luence. .- ,~ ,. ~. f~` ~ ~~ ~~ ~ Sworn to and subscribed before. me this r _' day of 1990. , __ , . _._ Notary Public z .._ .~. ~° v, r~.~, ~. st r{• ,. i. ~ ,p :i$ti GU a r h~ Jt~ ~ Ni': }~ : f~ i ,, District 13 Owner Name HERLIHY, DAVID FRANCIS JR 8 ROSE H Parcel ID 13250022016 Mail Addr 23 KENSINGTON DRIVE Property Addr 23 KENSINGTON DR Mail Addr2 CAMP HILL PA 17011 City State Zip CAMP HILL PA 17011 7911 Subdivision COUNTRY & TOWN HOMES Owner Display DAVID FRANCIS 8~ ROSE H HERLIHY JR House Number 23 Last Sale Date Year Built 1957 Last Sale Price .•• • Plat Image Property Type R RESIDENTIAL BUILDING Care of Name Land Use Code 101 RESIDENTIAL 1 FAMILY School District 9 Land Description LOT 13 A Neigborhood 1345 Lot Condo Unit ID L-0013A Census Tract 111 Latitude -76.950992 Census Blk Grp 6 Longitude -40.212143 Land Value $33,400.00 Buliding Value $123,200.00 Total Value $156,600.00 Clean And Green Year Built 1957 Deeded Acres 0.22 Eff Year Built 1974 Stories S Living Area SF 1632 Dwelling Type DETACH Living Area Factor 72.63 Sewer Type PUBLIC Living Area Total 118532 Road Type PAVED Limiting Factors E03 Water Source PUBLIC t APPRAISAL REPORT OF 23 Kensington Dr Camp Hill, PA 17011-7911 PREPARED FOR Bryn Mawr Appraisal Management LLC GMH Mortgage Services LLC 10 Campus Boulevard Newtown Square, PA 19073 AS OF 11/26/2012 PREPARED BY Apex Appraisals, Inc. 101 Front Street, P.O. Box 421 Boning Springs, PA 17007 Apex Appraisals, Inc. File No. 1211097 LETTER OF ENGAGEMENT Date: 11 /26/2012 To: GMH Mortgage Services LLC From: AQex_Appraisals, Inc. The lender/client is requesting you pertorm an appraisal on: 23 Kensington Dr, Camp Hill, PA 17011-7911 Scope of work to be pertormed: An appraisal inspection was recently performed and the subject property was appraised. Both the interior and exterior of the home was inspected. The use of the term inspection in this appraisal report refers only to the process of gathering pertinent data to establish an estimate of market value. This report is signed with a digital signature which is password protected. Photos used for this report were taken with a digital camera. They have not been altered. All photos of the subject and comparables were taken by the appraiser. This appraisal report is based on the information gathered by the appraiser from public records, identified sources, inspection of the subject property and its neighborhood, and selection of comparable sales, listings, and/or rentals within the subject's market area. All sources and confirmations of the comparable sales are shown in the data source section of the market grid if available. The original source is listed first. All sources for confirmations are deemed reliable. When conFlicting information was presented, the most reliable source was used (typically tax records and recorder of deeds), and data deemed unreliable was not included in the report, nor was it used as a basis for value conclusion, The extent of analysis applied to this assignment may be further imparted within the report and/or any statement of limiting conditions and appraisers' certifications within this appraisal report. There were no assignment conditions to limit the scope of work, that the report is not credible of its intended use. Unless otherwise indicated, I have performed no services, as an appraiser or in any other capacity, regarding the property that is the subject of this report within the three-year period immediately preceding acceptance of this assignment. Intended Use: This report has been prepared for use in a mortgage finance transaction by the lender/client, as listed in this report. The intended use of this report or the client's objectives have not caused the final value of the subject to be biased. The use by any other party without consent of the appraiser andJor appraisal company is prohibited and voids the appraisal report. Any discussion andlor consultation with others regarding this appraisal will be done so for a fee, with written consent obtained from the lender/client noted in this report prior to any said conversation. Intended User, "The Intended User of this appraisal report is the Lender/Client. The Intended Use is to evaluate the property that is the subject of this appraisal for a mortgage finance transaction, subject to the stated Scope of Work, purpose of the appraisal, reporting requirements of this appraisal report form, and Definition of Market Value. No additional Intended Users are identified by the appraiser." I have read the requirements as they pertain to pertorming this appraisal and agree to pertorm the appraisal within the guidlines outlined. Appraisal Firm: Apex Appraisals Inc. By: ~ David R. Buggy, PA Cert Res RE Appr. uAU version yr2o11 Nroduced by ClickFORMS Software 800-622-8727 Page 1 of 22 Apex Appraisals, Inc. File No. 1211097 Loan No. 27007828 Uniform Residential Appraisal Report The u se of this summa a sisal re rt is to rovide the lenderlclient with an accurate and ad uatel su rted o inion of the market value of the sub'ect ro Pro Address 23 Kensin ton Dr Cit Cam Hill State PA Zi Code 17011-7911 Bonower Tiffan Edwards-Pierce Owner of Public Record Rose and David Herlih Jr Coun Cumberland L al Descn Lion Deed Book E Volume 23 Pa a 570 Assessor's Parcel # 13-25-0022-016 Tax Year 2012 R.E. Taxes $ 2 051 Nei hborhood Name Lower Allen Townshi Ma Reference ADC's 3117-H7 Census7ract 041-111.01 Occu ant Owner Tenant X Vacant S cial Assessments 0 PUD HOA $ 0 rear r month ~ ~ Pro R' hts A raised X Fee Sim le Leasehold Other describe Asst nment T X Purchase Transaction Refinance Transaction Other describe Lender/Client GMH Mort a e Services LLC Address 10 Cam us Boulevard Newtown S uare PA 19073 Is the sub'ect ro current! offered for sale or has it been offered for sate in the twelve months nor to the effective date of this a sisal? X Yes No R rt data sources used offedn s rice s and dates . DOM 172 Sub'ect roe was offered for sale. Latest Price $119 900 Latest Date 11/12/2012 Ori final Price 149 900 Ori final Date 05/2412012 Other Price 1 119 900~Other Date 1 11106/2012 MLS#10223808 I X 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 rformed. Estate sale Pa a #1 - 11 of the sales a reement were reviewed. The sub ect is under contract for $129 900. The contract was full executed b the bu er s on 11!11!2012 and the sellers on 11112/2012. Contract Pdce 128 900 Date of Contract 11112!2012 Is the ro seller the owner of ublic record? X Yes No Data Sources Public 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 X Yes No If Yes re rf the total dollar amount and describe the items to be aid. $3897 Seller assistance of 6% of the sale rice is common in this market. Note: Race and the racial com ition of fhe net hborhood are not a sisal factors. fii~tbnritoodChractertetlcs ' One-Urdttlousln Trends ~ne~UnltHouslrrp Location Urban X Suburban Rural Pro Values Increasin X Stable Declinin PRICE AGE PresenttamdOse9c One-Unit 71 • i Built-U X Over75% 25-75°k Under 25°h Demand/Su I Shorta e X InBalance Over Su $ 000 rs 2d Unit 04 °h • Growth Ra id X Stable Slow Marketin Time X UnderJmths 3-6mihs Over6mths 47 Low 0 Multi-Famil 03 Nei hborhood Boundaries The sub'ect is bounded b Chestnut St .57 miles north York Coun 2.68 899 Hi h 200 Commercial 18 miles east I-76 .89 miles south and Lancaster Blvd 1.36 miles west. 145 Pred. 34 Other Vacant 04 Nei hborhood Descri lion See Comment Section on a e four. Market Conditions includin su rt for the above conclusions Althou h roe values have declined over the revious several ears recent trends over the revious 12 months indicate that the median sold rice has remained relative! stable. Interest rates have been available in the 3-7% ran a for several months. Dimensions See Plat Ma Area 9583 sf Sha A rox. Rectan ular View N Res S ~cZonin Classification R1 Zonin Descri lion Sin le-Famil Established Residential Zonin Com liance X L al L al Nonconformin Grandfathered Use No Zonin II al describe Is the h' hest and best use of subject ro as im roved or as ro sed r tans ands ifications the resent use? X Yes No If No describe. Utilities Public Other describe Public Other describe Off-site Im rovements--T Public Private Electrici X 100 Am Water X Street As halt X Gas X Sanita Sewer X Alle None FEMA S ial Flood Hazani Area Yes X No FEMA Flood Zone X FEMA Ma # 421016 0279E FEMA Ma Date 03!16!2009 Are the utilities and/or off-site im rovements ical for the market area? X Yes No If No describe. Are there an adverse site conditions or external factors easements encroachments environmental conditions land uses etc. ? Yes X No If Yes describe. Detection of otential hazardous materials are be and the sco a or ex ertise of this a raiser. The a raiser is not ualified to detect such substances or unseen environmental hazards. We ur a the client to retain an ex ert re ardin these matters. General Deicrlptlon Units X One One with Accesso Unit Four~lon _ Concrete Slab X Crawl S ace Extarlor l?ascrlption mpterf~s/con~lon Foundation Walls CC Block/C4 Interior m~ea'tal_t(catdltlon Floors Lam Car et Vin I/C4 #oi Stories 1.00 Full Basement X artialBasement Extedor Walls Vin I Brick/C4 Walls D all Panel/C4 T X Det. Att. S-Det.lEnd Unit Basement Area 728 s . fl. Roof Surface Com osition/C4 TrimlFinish Wood Painted/C4 X Existi Pro sed Under Const. Basement Finish 75 % Gutters & Downs uts Yes/C4 Bath Floor Tile Vin I/C4 Desi n S le Slit Level X Outside Ent !Exit Sum Pum Window T Mixed/C4 Bath Wainscot Fiber TilelC4 Year Built 1957 Evidence of Infestation Storm Sashllnsulated Some ThermallC4 Car Stora a None Effective A e Yrs 20 Dam ness Settlement Screens YeslC4 X Drivewa # of Cars 1 Att ic None Heatin X FWA HwB Radiant Ame nities Woodstove s # 0 Drivewa Surface As halt Dro Stair Stairs Other Fuel Gas Fire laces # 0 Fence None tiara a #of Cars 0 Floor X Scuttle Conlin X Central AirConditionin Patb/Deck None X Porch CovFront Car rt #ofCars 0 Finished Heated Individual Other Pool None Other Shed Att. Det. Built-in A liances X Refri erator X Ran e/Oven X Dishwasher X Dis sal Microwave Washer/D er Other describe Finished area above rode contains: 6 Rooms 3 Bedrooms 1.0 Baths 1 268 uare Feet of Gross Livin Area Above Grade • Additbnal features s cial ene efficient items etc. Recessed li htin ceilin fan lamiante floors as water heater. Describe the condition of the ro includin needed re airs deterioration renovations remodelin etc.. C4 Kitchen-not u ated Bathrooms-not u ated See comments -SUBJECT CONDITION Are there an h sical deficiencies or adverse conditions that affect the livabilit soundness or structural trite rit of the ro rt ? Yes X No If Yes describe There was no visible evidence of an adverse conditions affectin the soundness of the sub ect roe .However the a raiser is neither a home ins ector nor a structural engineer and does not warrant anv part of the subject property Dces the ro enerall conform to the net hborhood functional unlit s le condition use construction etc. ? X Yes No If No describe Freddie Mac Form 70 March 2005 Fannie Mae Form 1004 Mamh 2005 UAD Version 9!2011 Produced by ClickFORMS Software 800-622-8727 Page 2 of 22 Apex Appraisals, Inc. File No. 1211097 Loan No. 27007828 Uniform Residential Aooraisal Renort There are 22 com arable ro Ries currend offered for sale in the subject nei hborhood ran in in rice from 79 900 to 169 900 There are 83 com arable sales in the subject ne' hborhood within the ast twelve m onths ran in in sale rice from 75 000 to 270 000 FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address 23 Kensington Dr 2920 Morningside Dr Cam Hill PA 17011-7911 Cam Hill PA 17011 69 Kensington Dr Cam Hill PA 17011 30 Palmer Dr Cam Hill PA 17011 Proximit to Sub' t 1.72 miles NE 30 miles SW 26 miles SW Sale Price $ 129 900 $ 129 900 $ 120 000 $ 129 000 Sale PdcelGross Liv. Area $ 102.44 s . ft $ 115.26 s . ft. ___ __ $ 94.64 s . ft ~ $ 106.17 s . ft. Data Sources __ MLS#10220494 DOM 35 ____ __ MLS#10226056 DOM 44 __-- MLS#10220994 DOM 45 Verification Sources ROD/Public Records ROD/Public Records RODIPublic Records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION Ad'ustment DESCRIPTION - $Ad'ustmen DESCRIPTION - Ad'ustment Sale or Financin ! ArmLth ArmLth ArmLth Concessions Conv~3897 Conv~5000 Conv 0 Date of Salelfime __ s05/12 c04/12 s10/12 c08/12 s07l12 c06/12 Location A Res Bs Rd A Res RR Tracks A Res~Bs Rd N Res -5 00 Leasehold/Fee Sim le Fee Sim le Fee Sim le Fee Sim le Fee Sim le Site 9583 sf 8712 sf 10019 sf 10890 sf View N Res N Res N Res N Res Desi n St le Slit Level Ranch Slit Level Ranch Ouali of Construction Q4 Q4 Q4 Q4 Actual A e 55 58 54 53 Condition C4 C4 C4 C4 Above Grade Total Bdrms Baths Total Bdrrns Baths Total Bdrms Baths Total Bdrms Baths Room Count 6 3 1.0 5 2 1.0 6 3 1.0 5 3 1.1 -2 50 Gross Livin Area 1 268 s . ft. 1 127 s . ft. +2 10 1 268 s . ft. 1 215 s . ft. Basement & Finished RcemsBebwGrade 728sf546sfwo 1rrObr0.1ba1o 1127sf1014sfin 1rrObrl.Obalo -100 728sf546sfwo 1rrObr0.1ba0o +50 Osf +7,50 +250 Functional Utilit Avera a Avera a Avera a Avera e Heatin lCoolin FWA/CA BBHW/None +2 50 FWAlNone +2 50 FWA/CA ' Ene Efficient Items Some Thermal Similar Similar Similar - Gara e1Ca rt Off Street Car oR -1 00 1 Car Gar. Blt.-In -1 50 Car oR -1 00 o Porch/Patio/Deck Porch Porch Patio Porch Patio Porch Deck Fire lace etc. None Fire lace -1 50 None None • Net Ad'usiment Total X + $ 1 100 X + $ 1 500 X $ 1 500 Adjusted Sale Price of Com arables Net Adj: 1 % I Gross Ad' : 6°h ~ $ 131 000 Net Adj: 1 % Gross Ad : 4% 121 500 Net Adj: 1 Gross Adj: 14% 130 500 ' I X did did not research the sale or transfer histo of the sub'ect ro and com arable sales. If not ex lain M research did X did not reveal an rior sales or transfers of the subject ro for the three ears rior to the effective date of this a raisal. Data sources Public Records M research did X did not reveal an rior sales or transfers of the com arable sales for the ear rior to the date of sale of the com arable sale. Data sources Public Records Re rt the results of the research and anal sis of the rior sale or transfer histo of the subject ro and com arable sales ro ort additional rior sales on e 3 . ITEM SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Date of Prior SalelTransfer Price of Prior Sale/fransfer Data Sources Public Records Public Records Public Records Public Records Effective Date of Data Sources 11/01/2012 11101/2012 11/01/2012 11/01/2012 Anal sis of rior sale or transfer histo of the subject ro and com arable sales Summary of Sales Comparison Approach All sales are closed transactions. All sales are considered avers a indicators of value and wei hted a uall in the final reconciliation. The search criteria consisted of detached one sto dwellin s built before 1975 less than 1 B00 s . ft. GLA with a similar market a sal as the sub'ect. Dua to the limited number of similar transfers within the sub'ect's nei hborhood com s were selected from a wider ran a than ideal. Com s chosen are similar ins le uali and market a sal and are considered the best available from all sources. Ail com arables were in similar location/market area des its crossovers of some ma'or routeslroadwa s. Seller concessions of 6% or less are ical towards bu er closin costs. Indicated Value b Sales Com adson A roach 130 000 Indicated Value b :Sales Com arison A roach 130 000 Cost A roach if develo ed 0 Income A roach if develo ed 0 The sales com arison a roach is the best a roach for this a of roe .The income a roach was considered but is not a livable ~ because the ical bu er is more interested in the roe amenities than the income it ma roduce. The costa roach was considered but not a livable for a home of this a e. The costa roach is iven no wei ht in the final reconciliation of market value. ' ~ This appraisal is made X "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 ^ subjecttothe followin re wired ins lion based on the extraordina assum lion that the condition or deficient does not r wire alteration or re air: Based on a complete visual inspection of the interior and exterior areas of the subject property, defined scope of work, statement of assumptions and limiting conditions, and appraiser's certiflcatlon, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is 130 000 as of 11 /26/2012 which is the date of ins action and the effective date of this a raisal. Fannie Mae Form 1004 March 2005 UAD Version 9/2011 Produced by ClickFORMS Software 800-822-8727 Page 3 of 22 Apex Appraisals, Inc. File No. 1211097 Loan No. 27007828 Uniform Residential Appraisal Resort Nei hborhood Descri lion: The sub'ect is bordered b US-15 to the rear in a residential area amon ro erties of similar s le and market a Bal. Homes in the area are maintained and occu ied. There is a tar a wall at the sub act rear alon US-15 to assist with noise reduction. All wnveniences are Basil accessible to the sub'ect. The sub'ect is located .04 miles from US-15 for access to em to ment o ortunities in the Ci of Harrisbur 5 miles from the sub'ect as well as surroundin munici alities. The ross livin area GLA utilized in this re ort is derived from a h sisal measurement of the sub act roe b the a raiser. Reasonable ex ooure time is ex acted to be less than three months. The sub'ect ro did not a ear to have an evident dama a at the time of ins action b the recent storm that assed throw h the northeast Hurricane Sand .However the a raiser is neither a home ins actor nor a structural en ineer and does not warrant an art of the sub'ect ro .The storm does not a ear to have had an effect on value or marketabili • COST APPROACH TO VALUE (not regUked by Fannie Mae.) Provide ad wale information for the lendericlient to re licate our cost fi ures and calculations. Su rt for the o inion of site value summa of com arable land sales or other methods for estimatin site value The site value is from the Cumberland Coun tax records ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE - 33 400 • Source of cost data Dwellin 1 268 S . Ft. - Qual' ratio from cost service Ef6eclive dale of cosldata Bsmt. 728 FL =$ Comments on Cost A roach ross livin area calculations de reciation etc. Gara e/Ca R S . FL - • Total Estimate of Cost-new - Less Ph sisal 40 Functional External De reciatbn 0 - 0 De reciated Cost of Im rovements =$ 0 °As-is" Value of Site Im rovements - 2 500 Estimated Remainin Economic Life HUD and VA onl 30 Vear Indicated Value B Cost A roach =$ 0 INCOME APPROACH TO VALUE (not~uired by Fanfl~e,Mae.~^; Estimated Month! Market Rent $ 0 X Gross Multi tier 0 =$ 0 Indicated Value b Income A roach Summa of Income A roach includin su rt for market rent and GRM PROJECT If~ORMAT~lI FOR PODS a ble - --- - _- Is the develo r/builder in control of the Homeowner's Association HOA ? Yes No Unit t s Detached Attached Provide the followin information for PUDs ONLY if the develo rlbuilder is in control of the HOA and the sub'ect ro rt is an attached dwellin unit. L al Name of Pro act ~ Total number of hases 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 ro act created b the conversion of existin buildin s into a PUD? Yes No If Yes date of conversion. Does the r 'act contain an mutti~wellin units? Yes No Data source. ~ Are the units common elements and recreation facilities com late? Yes No If No describe the status of com letbn. Are the common elements leased to orb the Homeowner's Association? Yes No If Yes describe the rental terms and o lions. Describe common elements and recreational facilities. Freddie Mac Form 7D Mamh 2005 Fannie Mae Form 1004 March 2005 UAD Version 9!2011 Produced by ClickFORMS Software 800-622-8727 Page 4 of 22 Apex Appsisals, Inc. COMMENT ADDENDUM File No. 121 t 097 Loan No. 27007828 Borrower Tiffany Edwards-Pierce Property Address 23 Kensington Dr City Camp Hill State PA Zip Code 17011-7911 LenderlClient GMH Mortgage Services LLC Address 10 Campus Boulevard Newtown Square PA 19073 SUBJECT CONDITION C4;Kitchen-not updated;Bathrooms-not updated;The subject has a standard floor plan and average amenities. No evidence of functional or economical obsolescence was observed. The information regarding the kitchen and bathroom improvements is from a visual inspection, homeowner, MLS, etc. This information is believed to be accurate, but has not been verified through contracts, bill of sale, etc. The subject was vacant at the time of inspection. The water and electric were on and appeared to be in working order, although the appraiser is not a home inspector and does not warrant any part of the subject property. env version aitu~r ~ rroouceq oy GlrcrcrUKMS Software 800-622-8727 Page 5 of 22 Apex Appraisals, Inc. File No. 1211097 Uniform Residential 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 ere 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 this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be pertormed in a professional manner. Freddie Mac Form 70 March 2005 ranme mae ronn ivvv march ~w~ UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 6 of 22 Apex Appraisals, Inc. File No. 1211097 Uniform Residential Appraisal Report Loan No. 27007628 APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. 1 pertormed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I 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 reai property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any curcent agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6 I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9 I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. I verified. from a disinterested source, al{ information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11 I have knowledge and experience in appraising this type of property in this market area. 12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the properly 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. i have taken Into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse inFluences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject properly. 15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16 I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My emplcymenl andtor 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. I personally prepared alt conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the pertormance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks pertormed in this appraisal report. I certify that any Individual so named is qualified to pertorm the tasks. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this a raisal re ort. Freddie Mac Form 70 March 2005 tannic mac tuna wvw maim cvvo UAD Version 912011 Produced by ClickFORMS Software 800-622-8727 Page 7 of 22 Apex Appraisals, Inc. File No. 1211097 Loan No. 27007828 Uf11TOrfT1 K@SIO6f1T171 Appl'81S81 21 The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, 1 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. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to pertorm this appraisal, and is acceptable to pertorm this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name David R. Buggy, PA Cer-flies RE Appr. Company Name Apex Appraisals, Inc. Company Address 101 Front Street. P.O. Box 421 Boiling Springs, PA 17007 Telephone Number 717-243-2739 Email Address dbuggy459~comcast.net Date of Signature and Report 11/27/2012 Effective Date of Appraisal 11126/2012 State Certification # RL139065 or State License # or Other (describe) State # State PA Expiration Date of Certification or License 06/30/2013 ADDRESS OF PROPERTY APPRAISED 23 Kensington Dr Camp Hill, PA 17011-7911 APPRAISED VALUE OF SUBJECT PROPERTY $ 130,000 LENDER/CLIENT Name Bryn_Mawr Appraisal Management LLC Company Name GMH Mortgage Services LLC Company Address 10 Campus Boulevard Newtown Sauare PA 19073 Email Address Name Company Name _ Company Address Telephone Number Email Address _ Date of Signature State Certification # or State License # Expiration Date of Certification or License SUBJECT PROPERTY 8 Did not inspect subject property Did inspect exterior of subject property from street Date of Inspection ^ Did inspect interior and exterior of subject property Date of Inspection COMPARABLE SALES e Did not inspect exterior of comparable sates from street Did inspect exterior of comparable sales from street Date of Inspection ' """" "'°~' """ """O1~" LUVO Fannie Mae Form 1004 March 2005 UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 8 of 22 Apex Appraisals, Inc. UNIFORM APPRAISAL DATASET (UAD) Property Condition and Quality Rating Definitions File No. 1211097 Requirements -Condition and Quality Ratings Usage Appraisers must utilize the following standardized conditions and quality ratings within the appraisal report 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 or previously used materials and/or components can be considered new dwellings provided that the dwelling is placed on a 100 percent new foundation and recycled matedals and the recycled components have been rehabilitated/remanufactured into like-new condrtion. Improvements that have not been previously occupied are not considered 'new' if they have significant physical depreciation (that is, newty constructed dwellings that have been vacant for an extended period of time without adequate maintenance or upkeep). C2 The improvements feature no deferred 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 condltbn to new construction. Note: The improvements represent a relatively new property that is well maintained with no deterred maintenance and little or no physical depreciation, or an older property that has been recentty completely renovated. 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. Note: The improvement is in its first-cycle of replacing short-lived building components (appliances, floor coverings, HVAC, etc.) and is being well maintained. Its estimated effective age is less than its actual age. tt also may reflect a property in which the majority ofshort-lived building components have been replaced but not to the level of complete renovation. 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 componentslmechanical systems and cosmetic repairs. All major building components have been adequately maintained and are functionally adequate. Note: The estimated effective age may be close to or equal to its actual age. It reflects a property in which some of the short-lived building Components have been replaced, and some short-lived components are at or near the end of their physical life expectancy; however, they still function adequately. Most minor repairs have been addressed on an ongoing basis resulting in an adequately maintained property. C5 The improvements feature obvious deferred maintenance and are in need of some Significant repairs. Same 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. Note: Some significant repairs are needed to the improvements due to the lack o/adequate maintenance. It reflects a property in which many otits short-tined building components are at the end of or have exceeded their physical life expectancy but remain functional. 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 nerd of substantial repairs and rehabilitation, including many or most major components. Note: Substantial repairs are needed to the improvements due to the lack of adequate maintenance or property damage. It reflects a property with condition severe enough fo affect the safety soundness, or structural integrity of the improvements. UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page y or z1 Apex Appraisals, Inc. UNIFORM APPRAISAL DATASET {UAD) Property Condition and Quality Rating Definitions File No. 1211097 Quality Ratings and Definitions 01 Dwellings with this quallty rating are usually unique structures that are individually designed by an architect for a specified use. Such residences typically are constructed from detailed architectural plans and specifcations and feature an exceptionally high level of workmanship and exceptionally high-grade matedals throughout the intedor 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 dwetling are exceptionally high quallty. 02 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 featudng residences constructed from individual plans or from highly mod~ed or upgraded plans. The design features detailed, hgh~uality exterior omamentation, high-quality intedor 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 incudes significant exterior omamentation 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. D5 Dwellings with this quality rating feature economy of construction and basic functionality as main cronsiderations. Such dwellings feature a plain design using readily available or basic floor plans featuring minimal fenestration and basic finishes with minimal exterioromamentation and limited intedordetail. 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 nonexistent. Older dwellings may feature one or more substandard nonconforming additions to the original structure. Requirements -Definition 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 properlles of frfleen years of age or less often reflect an original condition with no updating, if no major components have been replaced or updated. Those over frfteen years of age are also considered not updated h the appliances, fxtures, and finishes are predominately dated, An area that is'Not Updated' may still be well maintained and fully functional, and this rating does not necessarily imply deferred maintenance or physical/functional deterioration. Updated The area of the home has been modified to meet current market expectation. 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 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 fixtureslappliances, signifcant structural alterations (relocating walls, and/or the addition of square footage}. This would include a complete gutting and rebuild. UAD Version 9!2011 Produceo by GucKFUttMS sottware rsou-ozz-urzr rage ru or « Apex Appraisals, Inc. UNIFORM APPRAISAL DATASET (UAD~ Property Description Abbreviations Used in This Report File No. 1211097 ac Acres •.~ .: Area Site Ad'Prk Ad'acent to Park Location Ad Pwr Ad'acent to Power Lines Location A Adverse Location & View ArmLth Arms Len th Sale Sale or Financin Concessions ba Bathrooms Basement & Finished Rooms Below Grade br Bedroom Basement & Finished Rooms Below Grade B Beneficial Location & View Gash Cash Sale or Financin Concessions C Sk Ci View Sk line View View C Str Ci Street View View Comm Commercial Influence Location c Contracted Date Date of Sale/Time Conv Conventional Sale or Financin Concession CrtOrd Court Ordered Sale Sale or Financin Concession DOM Da s On Markat Data Sources e Ex iration Date Date of Sale/Time Estate Estate Sale Sale or Financin Concessions FHA Federal Housin Administration Sale or Financin Concessions GlfCse Golf Course Location Glfvw Golf Course View View Ind Industrial Location & View in Interior Oni Stairs Basement 8 Finished Rooms Below Grade Lndfl Landfill Location LtdS ht Limited Si ht View Listin Listin Sale or Financin Concessions Mtn Mountain View View N Neutral Location & View NonArm Non-Arms Len th Sale Sale or Financin Concessions Bs Rd Bus Road Location o Other Basement & Finished Rooms Below Grade Prk Park View View Pstrl Pastoral View View PwrLn Power Lines View PubTrn Public Trans ortation Location rr Recreational Rec Room Basement ~ Finished Rooms Below Grade Relo Relocation Sale Sale or Financin Concessions REO REO Sale Sale or Financin Concessions Res Residential Location & View RH USDA -Rural Housin Sale or Financin Concessions s Settlement Date Date of Sale/Time Short Short Sale Sales or Financin Concessions sf S uare Feet Area Site Basement Unk Unknown Date of SalelTime VA Veterans Administration Sale or Financin Concessions w Withdraw Date Date of Saleffime wo Walk Out Basement Basement & Finished Rooms Below Grade wu Walk U Basement Basement & Finished Rooms Below Grade WtrFr Water Fronta a Location Wtr Water View View Woods Woods View View = ~~'~~~ Wtr IM~G~i Water View Pstrl Pastoral View Woods Woods View Prk Park View Glfvw Golf Course View C Sk Ci Sk line View Mtn Mountain View Res Residential View Ct Str Ci Street View Ind Industrial View PwnLn Power Lines LtdS ht Limited Si ht See Instruction Below Other -Appraiser to enter a descri lion of the view' N Neutral B Beneficial A Adverse Other: If a view factor not on this list materially affects the value of the subject property, the appraiser must enter a description of the view associated with the property. The description entered must allow a reader of the appraisal report to understand what the view associated with the properly actually is. Descriptors such as'None','N!A'. 'Typical', 'Average', etc., are unacceptable. Descriptions should be entered carefully because the same text will be represented in both the Site section and the comparable sales grid for the subject property. The text must fit in the allowable space. UAD Version 9!2011 Produced by ClickFORMS Software 800-622-6727 Page 11 of 22 Apex Appraisals, Inc. File No. 1211097 Market Conditions Addendum to the Appraisal Report Loan No. 27007828 The purpose of this addendum is to provide the lenderlclient with a clear and accurate understanding of the market trends and conditions prevalent in the subject ne' hborhood. This is a wired addendum for all a sisal ro rts with an effective date on or after A ril 1 2009 Address 23 Kensin ton Dr Ci Cem Hil{ State PA ZiP Code 17011-7911 Borrower Tiffan Edwards-Pierce 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. It any required data is unavailable or is considered unreliable, the appraiser must provide an explanation. h is recognized that not all data sources will be able to provide data for the shaded areas below; if it is available, however, the appraiser must include that data in the analysis. If data sources provide all the required information as an average instead of the median, the appraiser should report the available figure and identity it as an average. Sales and listings must be properties that compete with the subject property, determined by applying the criteria that would be used by a prospective buyer of the su ' t ro The a raiser must ex lain an anomalies In the data such as seasonal markets new construction foreclosures etc. N Prior 7-12 Months Prior 4-6 Months Current - 3 Months Overall Trend Total # of Com arable Sales Settled 37 27 18 X Increasin Stable Declinin Abso tan Rate Total Sales(Months Total # of Com arable Active Listin s Months of Housin Su I Total Listin s/Ab. Rate) 6.17 See See 9.00 Comments Comments 6.33 Below Below X Increasin Dec Stable Stable Stable. Declinin I I lNedlart Salec LI Prl Lief % Frior 7-12 Months Prior 4-6 Months Current - 3 Months Overall Trend Median Com arable Sales Pnce 135 000 138 500 136 968 Increasin X Stable Declinin Median Com arable Sales Da son Market 100 29 32 X Declinin Stable Increasin Median Com arable List Price 138 9p0 139 900 135 000 f X T~ACIinY Median Com arable Listin Da s on Market See Comments Below Deelin' 'Sfat~e lnaeasi" Median Sale Price as % of Lisl Price Seller- develo r builder etc aid financial assistan 96% ce revalent? 99% 100% X Yes No X Increasin Declinin Stable X Stable Declinin Increasin Explain in detail 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, o lions, etc. Interest rates have been available in the 3-7% ran a for several months. Seller concessions of 6% or less are ical towards bu ors Gosin costs. Builder incentives are ical for new home develo ments. Are foreclosure sak;s REO sales a factor in the market? X Yes No It es ex lain includin the trends in listin sand sales of foreclosed ro rties . In this market there have been few ro erties that have become bank-owned or bank-owned ro erties that have been ex osed to the market and transferred. Cite data sources for above information. MLS. Summarize the above informaton as support for your conclusions in the Neighborhood section of the appraisal report form. If you used any additional information, such as an anal sis of ndi sales andlor ex fired and withdrawn listi s to formulate our conclusons rovide both an ex lanatbn and su rt for our conclusions. The local MLS will not search for total active listin s in a s ecific time eriod. The data is not available. It is believed that the source of the information rovided is reliable but I can not veri all of the data inde endentl so I can not uarantee an anal sis made with the MLS data for com lotion of the 1004MC. The search ammeters consisted of detached homes within the sub ect munici ali with a similar market a al as the sub ect. Pro a values have declined over the revious several ears. The median sold rice has remained relative) stable over the ast 12 months. If the sub ect is a unit in a condominium or coo raGv e ro ct com tote th e folbwin : Pro'ect Name: Sub'ect Pro'ect Data Prior 7-12 Months Prior 4-6 Months Current - 3 Months Overa ll Trend Total # of Com arable Sales Settled Increasin Stable Declinin Abso lion Rate Total Sales/Months Increasin Stable Declinin Total # of Active Com rable Listin s t~Ck Stable Ifxx6a$Nl Months of Unit Su I Total Listin slAb, Rate Decikrin Statke Irxxeas' Are foreclosures sales (REO sales) a factor in the project? Yes No If yes, indicate the number of REO listings and explain the trends in listings and sales of foreclosed ro rties, Summarize the above trends and address the im act on the subject unit and ro ect. Signature Signature A raiser Name Davr R. Bu ert Res RE A r. Su rvisor Name Com an Name A ex A sisals Inc. Com an Name Com an Address 10t Front 3[reet P O aoM 42t 6oilin S nn s PA 17007 Com an Address State LicenselCertif~cation #RL139065 Slate PA State LicenselCertification # State Email Address dbu 459 comcast.net Email Address Freddie Mac Form 71 March 2009 UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 hann~e Mae Form tuuaMC Maron zuva Page 12 of 22 Apex Appraisals, Inc. SUBJECT PHOTO ADDENDUM File No. 1211097 Loan No. 27007828 Bonower Tiffany Edwards-Pierce PfOnP.rtv Address 23 Kensington Dr City Camp Hill County Cumberland State PA Zip Code 17011-7911 LenderlCiient GMH Mortgage Services LLC Address 10 Campus Boulevard, Newtown Square, PA 19073 FRONT OF SUBJECT PROPERTY 23 Kensington Dr Camp Hill, PA 17011-7911 REAR OF SUBJECT PROPERTY STREET SCENE UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 13 of 22 Apex Appraisals, Inc. ' SUBJECT PHOTO ADDENDUM File No. 1211097 Loan No. 27007828 Borrower Tiffany Edwards-Pierce Property Address 23 Kensington Dr City Camp Hill County Cumberland Slate PA Zip Code 17011 7911 Lender/Ghent GMH Mortgage Sernces LLC Address 10 Campus Boulevard Newtown Square PA 19073 STREET SCENE SUBJECT LIVING ROOM SUBJECT KITCHEN uau version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 14 of 22 Apex Appraisals, Inc. SUBJECT PHOTO ADDENDUM File No. 1211097 Loan No. 27007828 ' Bonower Tiffany Edwards-Pierce Properly Address 23 Kensington Dr Camp Hill County Cumberland State PA Zip Code 17011-7911 LenderlClient GMH Mortgage Services LLC Address 10 Campus Boulevard Newtown Souare PA 19073 SUBJECT BATH SUBJECT BASEMENT FAMILY ROOM SUBJECT BASEMENT POWDER ROOM UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 15 of 22 Apex Appraisals, Inc. - SUBJECT PHOTO ADDENDUM File No. 1211097 Loan No 27007828 Borrower Tiffany Edwards-Pierce Property Address 23 Kensington Dr City Camp Hill County Cumberland State PA Zip Code 17011-7911 LenderlC11en1 GMH Mortgage Services LLC Address 10 Campus Boulevard, Newtown Square, PA 19073 SUBJECT BASEMENT DEN UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 16 of 22 A~e x A praisals, Inc. SKETCI~ADDENDUM Fite No. 1211097 Loan No. 27007828 Borrower Tiffany Edwards-Pierce Property Address 23 Kensington Dr City Camp Hill Counfy Cumberland State PA Zip Code 17011-7911 LendedClient GMH Mortgage Services LLC Address 10 Campus Boulevard Newtovm Square PA 19073 O W N Bed t Kitchen ~ ~ c m A Bed Bed LiHng N V O 26.0 20.0 SKETCH CALCULATIONS PerNneter Area Living Area First Flaor 1268.0 Total Living Area 126&0 UAD Version 8/2011 Produced by ClickFORMS Software 800-622-8727 Page 17 of 22 Apex Appraisals, Inc. COMPARABLES 7-2-3 File No. 1211097 Loan No. 27007828 Borrower Tiffany Edwards-Pierce Property Address 23 Kensington Dr City Camp Hill County Cumberland State PA Zip Code 17011-7911 LendeNClient GMH Mortgage Services LLC ___ Address 1o Campus Boulevard. Newtown Sauare. PA 19073 ~°%` p~ I COMPARABLE SALE # 1 ~e~l 2920 Morningside Dr ,t„~„~ ~ t~l ~ ' `,~ Camp Hill, PA 17011 ~~ ._ ._ COMPARABLE SALE # 2 69 Kensington Dr Camp Hill, PA 17011 COMPARABLE SALE # 3 30 Palmer Dr Camp HiII,PA 17011 UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 18 of 22 Apex Appraisals, Inc. ' NEIGHBORHOOD MAP File No. 1211097 Loan No. 27007828 Borrower Tiffan Edwards-Pierce Pro Address 23 Kensin ton Dr Ciry Camp Hill County Cumberland State PA Zip Code 17011-7911 LenderlClient GMH Mortgage Services LLC Address 1o Campus Boulevard Newtown Square PA 19073 __ _ _ I __ __ __ - _ - - ..~ ~ 3 ~~`; w. ' - .,~ e_ _ ., ~' , q 'C'arciP"Hill ".~ ~' r '' RG~x ~ 11 { b 4A IYARRISBUg~ Expy 11 ~ 5e1 N AR C v . r~ ~ ~~ ~ ~ ~ ' G~ ordrokPoird iyY r 041 ~ ~., °_ '~ ~~r:k' *5r..__ Lowe r`Allen ~ • ` S , t ':7%:. :p.. ~ -d - w~~h ~r r~,~,~ oaar~ ,%~ 17011 tkai ,, fp'. I' ` - ~ ~~ ~ "`MPS North Boundary w . .~~ ~ ` ,~~ ~.:~~ ~~ r„ r~ ~~' Y zA ,: `~ .,,*+.r s ~ti ~ .DAR AV 1 ~ 2 ' , r arms ,Gr~ar I_ane r N UR E ~ `~ ~' \ ~ w,~'A ~~~' V ~~~ ~ ~ ~~ A~GZ~L~ ~ East Boundary West Boundan~ __ ~~ ~„ 'h ' q ~w ~ ~ ~, ~ ,. ~ ,,. ~ ^~ .,. „ ?ANN Yt-VAlYaq ~ ~ y lp n South Boundary .r3 4d~, _._ e _ ,. ~' ~ Ii:,ili3~0;. , _. N 'i' C_f rl?; hl1LB©pGk'S ~ ^- r~ti ~y~~ ~ ~ r ?' ~G rE':4 L ~ rP°*R ~ • `'~, r~~r ~d~~ir Hill ~ ~ Yt v ~' :~, en~N~11; ~ ~~a dense. Street Atlas USA®2011. ~ Y MN (11.2' V1~ 0 '/. Yh Data Zo uAU version arzu i ~ rroaucxa uy ~.ncnrvr~rvio ~~~~..a~~ ~~~-~~~-~~ ~~ ~ ~,~ ~- -~ -- A ex A~pp raisals, Inc. LOCATI~N MAP ADDENDUM File No. 1211097 • Loan No. 27007828 Borrower Tiffany Edwards-Pierce ' Property Address 23 Kensington Dr Citv Camp Hill County Cumberland State PA ZiDCode 17011-7911 Lender/Client GMH Mortgage Services LLC Address 10 Campus Boulevard Newtown Square PA 19073 _ .% -- > Peara£Gh~r'r s t. ~ ~ ~ ~---'~ ~- h'ARR~tyg ~ t ~ _ ~~, Comp ~1 :;.~ "~,r ~rwL ti ~~r ,, ".,~I ~s ~ `` ,. ~, '~ ~~ a iMpSDN ~ «7 o ii ~iU 61i .r.,. "r~ ~' ~~ r' ~'~..lq _.... ;~ , ,s~ __ _..,_ I .p;. i~ ~ ~ ~ A ~5 ~~~,-r Subject ~: ~ r. I- ~ ,, ~~ _ ~y 5'~~f" ;ornp #2 .t ~r _ ~ Comp ~3 ""-.,"""..r,--,.,~`, •~ ~ 13 ~ ~~ ~... ~ ~ ~4 ense. f~l Street Atlas USA®2011. V d 2e MN (11.2° ~ Data Z i UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 20 of 22 Apex Appraisals, Inc. ' PLAT MAP File No. 1211097 Loan No. 27007828 Borrower Tiffany Edwards-Pierce -- Property Address 23 Kensington Dr City Camp Hill County Cumberland Stale PA Zip Code 17011-7911 LendedClient GMH Mortgage Services LLC Address 10 Campus Boulevard Newtown Square PA 19073 t' J s? .1< v YtilA' `.,. . ~~ !'r s ` ~r ~~ `; UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 21 of 2: File No 1211097 Appraiser License Certificate Loan No. 27007828 Commonwealth of Pennsylvania ~ ~ ~`~ ~? 9 `~ `~ ~ l ~.,~._._ Dep~rt~gnetat of St,~te Bureau of Prof~~s[~na~ and Occupational Affairs PO Box ~fi~1HarrisburK P,>, 7?1135-2649 Certificate Type CeHiftcate Status CBrtitied Residential Appraiser Active initial Certticapon'Date .. 05125!2005- DAV{D R BUGGY Certii"icate 3£F49ENYOU 4,ANE Number NEW CUMBERLAND PA 17070.. RL~39Q65 Expiration Date 06/3012013 " .cline Comm~uioner of Proficsional mid Z)ca UAD Version 912011 Produced by ClickFORMS Software 800-622-8727 Page 22 of 22 Prepared band Return to: Guardian Transfer Corporation 4075 Market St. Camp Hill, PA 17011 717-909-4700 File No. 12-1721GC Parcel ID # 13-25-0022-016 ~~~~ ,~1ribCritUrC, made the day of , ~etboeen THE ESTATE OF ROSE H. HERLIHY, BY EILEEN R. SIMPSON, ADMINSTRATOR C.T.A. (hereinafter called the Grantor), of the one part, and TIFFANY EDWARDS-PIERCE, ADULT INDIVIDUAL (hereinafter called the Grantee), of the other part, ~itne~geth, that the said Grantor for and in consideration of the sum of One Hundred Twenty-Nine Thousand Nine Hundred And 00/100 Dollars ($129,900.00) lawful money of the United States of America, unto her well and truly paid by the said Grantee, at or before the sealing and delivery hereof, the receipt whereof is hereby acknowledged, has granted, bargained and sold, released and confirmed, and by these presents does grant, bargain and sell, release and confirm unto the said Grantee, as sole owner ALL THAT CERTAIN piece or parcel of land, situate in Lower Allen Township, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit:- BEGINNING at a point on the Northerly line of Kensington Drive, which point is eight hundred forty and twenty one-hundredths (840.20) feet West of the Northwesterly corner of Kensington Drive and Scarsdale Drive and at dividing line between Lots Nos. 12 and 13, Block "A" on the hereinafter mentioned plan of lots; thence along the Northerly line of Kensington Drive, South fifty-five (55) degrees twenty (20) minutes West seventy-five (75) feet to a point at dividing line between Lots Nos. 13 and 14, Block "A" on said plan; thence along said dividing line North thirty-four (34) degrees forty (40) minutes West one hundred forty (140) feet to a point on the Southerly right-of--way line of new Route No. 15; thence along same, North fifty-five (55) degrees twenty (20) minutes East seventy-five (75) feet to a point at dividing line between Lots Nos. 12 and 13, Block "A" aforesaid; thence along same, South thirty-four (34) degrees forty (90) feet to a point, the place of BEGINNING. BEING Lot No. 13, Block "A" on plan of lots known as Country and Town Homes, Inc. which plan was recorded in the Cumberland County Recorder's Office on May 14, 1956, in Plan Book 7 page 41 and having thereon erected premises known as No. 23 Kensington Drive. SUBJECT to easement to Commonwealth recorded in Deed Book 251, Page 2053. BEING the same premises which Robert R. Kimble and Eleanor G. Kimble, his wife, by Deed dated April 25, 1969, and recorded Apri129, 1969, in the Office of the Recorder of Deeds in and for the County of Cumberland, Pennsylvania, in Book 23E, Page 570, granted and conveyed unto David Francis Herlihy, Jr. and Rose H. Herlihy, his wife, in fee. AND THE SAID David Francis Herlihy, Jr. thereafter departed this life, wherein and whereby title to the here and described premises is vested in Rose H. Herlihy by operation of law. AND THE SAID Rose H. Herlihy has since departed this life on May 29, 2012. Letters Testamentary were granted to Eileen R. Simpson, Administrator C.T.A. ~oget~jer boittJ all and singular the buildings and improvements, ways, streets, alleys, driveways, passages, waters, water-courses, rights, liberties, privileges, hereditaments and appurtenances, whatsoever unto the hereby granted premises belonging, or in anywise appertaining, and the reversions and remainders, rents, issues, and profits thereof; and all the estate, right, title, interest, property, claim and demand whatsoever of her, the said grantor, as well at law as in equity, of, in and to the same. ~0 ~jabe anD t0 ~jOra the said lot or piece of ground described above, with the buildings and improvements thereon erected, hereditaments and premises hereby granted, or mentioned and intended so to be, with the appurtenances, unto the said Grantee, her heirs and assigns, to and for the only proper use and behoof of the said Grantee, her heirs and assigns, forever. drib the said Grantor, for herself and her heirs, executors and administrators, does, by these presents, covenant, grant and agree, to and with the said Grantee, her heirs and assigns, that she, the said Grantor, and her heirs, all and singular the hereditaments and premises herein described and granted, or mentioned and intended so to be, with the appurtenances, unto the said Grantee, her heirs and assigns, against her, the said Grantor, and her heirs, will SPECIALLY WARRANT AND DEFEND against the lawful claims of all persons claiming by, through or under the said Grantor but not otherwise. ~Jn ~itneg~ ~~jereof, the party of the first part has hereunto set her hand and seal. Dated the day and year first above written. ~ea[eD anD ~e[ibereD IN THE PRESENCE OF US: {SEAL} Eileen R. Simpson, Adminstrator C.T.A., for the Estate of Rose H. Herlihy Commonwealth of Pennsylvania 1 ss County of Cumberland f On this, the day of ,before me, the undersigned Notary Public, personally appeared Eileen R. Simpson, Adminstrator C.T.A., for the Estate of Rose H. Herlihy, known to me (or satisfactorily proven) to be the person whose name is subscribed to the within instrument, and acknowledged that she executed the same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. Notary Public My commission expires The precise residence and the complete post office address of the above-named Grantee is: On behalf of the Grantee 3 d o~ C1+ o~ W o a i Q a ~ +~ o N ~. OO ~ ~ O N '~, ~ H ~ O ~ Q O Y ~ ~s 4- W I H 'a; 'T ~' ~ 1 00 1 ~n r ~ ~~ 0 0 -' ~v, ~`_` o ~ ~ ~ d w 4° . a ~_ °o ,r, x ~, ~` O ¢' p ~ ~ ~ ~ ~ U r' 7 ~ C~ 6- OMB Approval No. 2502-0265 ~~ ~Qh ~ A. Settlement Statement THUD-1 s,.±~~ ` ~ FINAL 1. ^ FHA 2. ^ RHS 3, ^Conv. Unins. 6. File Number: 7. Loan Number: 8. Mortgage Insurance Case Number: 12.1721 GC 27007828 4. ^ VA 5. ©Conv. Ins. C. Noto: This form is furnished to give you a statement of actual settlement costs. Amounts paid fo and by the aedlemeni agents are shown Items marked "(p.o.c)" were paid outside the closing; they era stwwn here for informational purposes and are not included in the totals. D. Name $ Address of Borrower. E. Name $ Address of Seller: F. Name $ Address of lender: Trffany Edwards-Pierce The Estate of Rose Herlihy, by Eileen R. Simpson, GMH Mortgage Services, LLC 4 Dulles Drive, Camp Hill, PA 17011 Adminstrator C.TA. 10 Campus BNd, Newtown Square, PA 19073 23 Kensington Drive, Camp H61, PA 17011 G. Property Location: H. Settlement Agent: I, Settlement Date: 12/1912012 23 Kensington Drive Guardian Transfer Corporation Disbursement Date: 12/19/2012 Camp Hill, PA 17011 4075 Market St., Camp Hill, PA 17011 Lower Allen Township 717-909.4700 Place of Settlement: TitieExpress 4075 Market Street, Camp Htl, PA iT011 Printed OY1812013 at 9:00 am by BW :. 100. Grose Amourd Due from Borrower 400, Grose Amount Due to Salter 101. Contrail sales price 129,900.1b 401. Contrail sales price 129,900.00 102. Personal rl 402. Personal 103. Settlemertt charges fo borrower (line 1400j 5,650.41 403. 104. 404, 105. q0J, Ad ustmenls for Items id by seller in advance Ad ustmenta for trams aid b setter In advance 106. Ciry/tovm taxes to 406. City/town taxes to 107. County taxes 1211912012 to 1213012012 22.30 407. County taxes 1 211 9120 1 2 to 12130/2012 22.30 108. Sctaol taxes 1211912012 to 0613012013 731,64 408. School taxes 12!1912012 to 0613012013 731.64 109. Sewer OlN/O 12/1912012 to 12!31/2012 7.77 409, Sewer O1N1D 12!19!2012 to 12/31!2012 7.77 110. Refuse O1NID 1211912012 to 12)31!2012 7.62 410. Refuse OMID 12119fZ012 l012l3tl2012 7.62 111. 411. 112. 412. 120• Gross Amount Due From Borrower 136,319.74 420, Gross Amount Due to Seiler 130,668.33 200. Amounts Paid b or in Behalf of Borcower 500. Reductions In Amount Due to Seller 201. DeposB or earnest money ,000.00 1. Excess deposit (see instmilrons) 202. Principal amount of new loan(s) 123,405.00 502. Battlement charges to seller (line 1400) 96,410.22 203'. ExisOn loa s taken sub' ct l0 503, Exis0 loa s taken s 'ect to 204 • 504• Payoff d first mortgage ban 116057199379 to Cft¢ens Bank of Perm Ivania 30,362.11 205. Borrower Paid Fee 450.00 505. Payoff of second mortgage loan 206. Sellers Assistance 3,897.00 506. Sellers Assistance 3,897.00 207. 50T. 208. 508, 209. 5pg, Adjustments for items un aid seller Ad atments for items un aid b seller 210. City/tvvm taxes to 510. City/town takes to 21 t. County taxes to 511. County taxes to 212. School taxes to 512, School taxes to 213. 513. 214. 514. 215. 515. 216. 516, 217. 517, 218, 518, 219. 519. 220• Total Pak! b !for Borrower 129,75200 520. Total Reduction Amount Dua Sallar 130,669.33 300. Cash at SettleuneM from1M Borrower 600, Cash at Settitmwrd tolfrom Seiler 301. Gross amount due from borrower (line 120) 136,319.74 601. Gross amount due to seller (lure 420) 130,669.33 302. less amounts paid by/for borrower (line 220) 129,752.00 602. less reductions In anauntdue seller (line 520) 130,669.33 303. Cash ^X From ^ To Borrower 6,567,74 603. Cash X^ To ^ From Seller 0.00 Previous editions are obsolete Page 1 0 3 HU0.1 ~ ~ , 70D. Total Real Estate Broker Fees $ 8,389,00 Paid From Paid From Divisionotcommission IIne700 as follows: Borrower's Seller's 7o1. $a,2sz.D0 to ColdweU Banker Homestead Group Funds at Funds at 702. $4,097.00 to Coldwell Banker Homestead Group Srzttlement SetHement 703. Commission paid at settlement 200.00 8,189.00 1200. Government Recordin and Transfer Char es 1201. Govemment recording charges $ (from GFE 87) 154.00 1202. Deed $62.00 Mort a e $92.00 Release $ fo Slm lit+le 1203. Transfer taxes $ (from GFE tt8) 1,299.00 7204. Ci{y/County taxlstamps Deed $1,299.00 Mort a e $ to Sim lifile 1205. Stale Tax/stamps Deed $1,299.00 Mart a e $ to Sim lifile 1.299.00 1206. Deed $ Mort a e $ to 1207. $ tp Previous editions are obsolete Page 2 of 4 HUD-1 ' t i _ r ~ + 5,650.41 96,410.22 'Paid outside of closing by (B)orrower, (S)eller, (L)ender, (I)nvestor, 8ro(K)er. "Credit by lender shown on page 1. "'Credit by seller shown on page 1. Com orison of Good Faith Estimate GF and HUD•1 Cha es Char es That Cannot Increase ' : ' ~.. HUD-i Llne Number Our origination charge ~: ~' 601 Your credit or charge ~pomis) for the specific inleresi rate chosen ' # 802 '. Your adjusted origination charges... µ '803 ' Translerlaxes d'. 1203. `' ' Cha es That Can Chan a ,, " Initial deposit for yourescrow account ~ 1001 Daily interest charges from, # :901 '' - $11.4107/da Homeowner's insurance #:•903 7iGe services and lender's title insurance. ' .°, g x1101 Owner's title insurance Title Resources Guaranty Company ~' 1103 ` it I non Tarmc Good Faith Estimate -HUD-1 995.09 995.00 0.00 995.00 ~ 0.00 995.09 1,299.00 1,299.00 Good'FalthEstlmate HUD-i 150.00 154.00 50.00 21.05 200.00 175.05 $ -24.95 or -12.4750° ' Good Faith'Estimate 'HUD-1 1,121.25 1,006.62 205.39 148.34 465.00 465.00 1,712.00 1,332.00 33.00 30.00 Your initial loan amount is ~ $123,405.00 Your loan term is 30. years Your initial inlerestrale is 3.3750% Your initial monthly amount ovled for principal, inlerest;:and any mortgage $606.24 includes insurance is QX Principal ^X Interest ^X Mortgage Insurance Can your.interestrale nse? QX No. ^ Yes, it can rise to a maximum of %. The first change will be on 1 1 and can change again every years after 1 1 .Every change date, your interest rate can increase or decrease by %. Over the life of - the loan, your interest rate is guaranteed to never be lower Than % or higher than %. Even i(you make payments onilme can yourloadbalance rise? QX No. ^ Yes, it can rise to a maximum of $ Even if you make payments on lime, can.your monthly.amounl owed for : ^X No. ^ Yes, the first increase can be on r r and the monthly principal, interest, and morlgageansurance nse7 . - amount owed can rise to $ The maximum it can ever nse to is $ Dces your loan have aprepayment penally9 - Q No. ^ Yes, your maximum prepayment penally is $ Does your loan have a balloon paynientT QX No. ^ Yes, you have a balloon payment of $ due in years on To121 monthly amount awed including escrow account payments ^ You do not have a monthly escrow payment for items, such as property taxes and homeowner's insurance. You must pay These items directly yourself. QX You have an additional monthly escrow payment of $210.1G that results in a local initial monthly amount owed of $816A0. This includes principal, inleresi, any mortgage insurance and any items checked below: Property taxes XQ Homeowner's insurance Flood insurance QX School Taxes ^ ^ Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form, please contact your lender. Przvious editions are obsolete Page 3 of 4 HUD-1 HUD CERTIFICATION OF BUYER AND SELLER I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all rece(pts and disbursements made on my account or by me in this transaction I further certify Thal I have received a copy of the HUD-1 Settlement Statement. I~a~. Tiffany Edwards-Pierce The Estate of Rose Herlihy, by Eileen R. Simpso , Adminslrator C.T.A. The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction. I have caused or wlll cause the funds to be ia- jy=~d~~-- DAT WARNING: IT IS A CRIME TO KNOWINGLY MAKE FALSE STATEMENTS TO THE UNITED STATES ON THIS OR ANY SIMILAR FORM. PENALTIES UPON CONVICTIDN CAN INCLUDE A FINE AND IMPRISONMENT. FOR DETAILS SEE TITLE 18: U.S. CODE SECTION 1001 ANO SECTION 1010. Previous editions are obsolete Page 4 of 4 HUD-1 t Name of Borrower: Tiffany Edwards~Pierce Name of Seller: The Eslale of Rase Herlihy, by Eileen R. Simpson, Adminstralor C.T.A. File Number. 12-1721GC Prepared 12!1912012 al 3:16 pm Note: Tliis page displays an itemization of the charges shown on line 1101 of the NUD-1 Settlement Statement, This page accompanies but is not a part of the HUD-1 Settlement Statement. If a discrepancy exists, the information on the HUD-1 Settlement Statement applies. 9100. Title Charges Total Charge Borrower Seller 1 i 01. Title services and lender's Title insurance Ip Wire In to Guardian Transfer Co ration $ 12.OG 1 Z.00 Notary Fee- Purchasers to Guardian Transfer Cor ration $ 2s.DD 25.00 Courier Fee-Purchase to Guardian Transfer Co ration $ 15.00 15.00 Electronic Document Fee to Guardian Transfer Co ration $ 35.00 35.00 Courier Fee- SEllers Ic Guardian Transfer Cor ration $ 15.00 15.00 Tax CErt Reimbursement Fee to Guardian Transfer Cor ration $ 10.00 10.00 Deed Prep Fee to Guardian Transfer Cor oration $ 125.00 125.00 1102. Selilemenl or closing fee to $ p.Op 11 Dd. Lender's (file insurance -Title Resources Glo Title Resources Guarani Com r$ 1,245.00 1,245.00 Totals: ~ 1,482.00 0.00 1,332.00 150.00 Selledlender credits shown on a e 1 POC =Paid Outside Closing CR =Lender Credit Previous editions are obsolete Page 1 of 1 HUD-1 GUARDIAN TRANSFER CORP. ESCROW ACCOUNT Llat~: 12/19/12 Psm~.ait: 337.50 ~ E~1~e I~nber: 12-17210 ~, ~: Tml-~l,sn Z~ C~£ic+e PC l SPl l Pr: j~PSI ~ fur }x Fi l t~ r~ R, Qi Trc~r~ r Ptit~i f~ai-rate r: 23 T~'~Si ~+'m L7~iv2, Ca[Q fii11, PA 17011 337.50 ~tTc3L]01° Cost of Adm~ *» ='-~--~--`.. i GUARDIAN TRANSFER CORP. ESCROW ACCOUNT Data: 12/19/12 Pnn~azt: 6,946.00 Eti ~ P N~xnber: 12-17210 Pay 'Ib : Tmhl un Iaa C~fiGa PC B11~7PS: '.L`1~I~1y Fi7C.~~n'Tdrrlc-Di prrp ~l l Ar: f~-rl ~ }irr Y F.i l am R. Cif r pr7mi r~_,: ..,tA ply. 23 K~nci ~+-~-r~ IJr-ive, Ca[p Ei171, FA 17011 6,946.00 A~taa~y Ems ~~~ :.~ Ct~edc # : 15497 154 CY~ec3c # : 15498 ACCOUNT NUMBER :1128485 AMOUNT :1869.97 CHECK NUMBER :43153 PROCESS DATE :06126/2012 ROUTING AND TRANSIT :31304306 SF(Jl1FNCF NUMBER :1101001 431.53 X111 ! CLAREMONT NURSING & RENA6ILITATiON CENTER TRUST 1000 CLAREMON7 ROAD 60-430/313 6/22I2O 12 CARUSIE, PA 17013.8620 a 8 PAY 70 THE Eileen Simpson ** 1,869.97 8 ORDER OF ************+*******************************,~** Y One Thousand Eight Hundred Sixty-Nine and 97/100 DOLLARS t Eileen Simpson voiD AFTER so DAYS. a ?3 Kensinbton Drive Came Hill, PA 17011 ~~'"'~~ .~` 'w `~ay~.yv~. D. .fit t,~t~~.( - ` MEMO. ... ~ . .. ,.,,~.. ~i. ar 1 ~i'014 3 L 5 3~t' •~.0 3 ~ 304 306. i 1~~~ 2848 5ii' - ER .1128485 'NT NUMB ANT ' 18~ ,ER ; 43153 12 B q,3p6 GK NV ppTE : ~5126~ ~; 3130 'C'AS ~ ANp TRp`N~ : 11Q10~1 ~UT~N NV~BE 3E~uE'N~E :~'~:., '~' 1~ ~ 7 ,,_ . ~:,. i{ ~~-' ~ :;:~ ~.;,, ~~~~, ,a. ..; >~1 `5' •41 1 '•t ~' _.-..--- ~ t.: ~:: ~~ ~;, ~:, ~,~ ,., t~~;~ ,~ ,1~ ~ ~ '~~ rt ~~ '~ ~ 1 t }~ ' 1~1 a l e i 8 rYlarket Plnza {Nay • r4fecltaurc•sburg, PA 17055 ~ ~~ Michael J. Malpezzi, 0-vner Phone: G97-4GJG FUNERAL HOME Jeremy J• Sltart~er, Funeral Dtrector Kyle C'. Knipe, Funeral Director STATEMENT OF FUNERAL GOODS AND SERVICES SELECTED C;har;ges are only for thc>.Se items that you selected or that are required. Il' we are requimd by lavv or by a cemetery or crematory to use atry items, we will explain the reason in writing below. If you selrctcd a funeral th:u may require Embalming, such as a funeral viewing, you may have ro pay for embalming. You do not have to pay for entl)alm- ing you did not approve if you selected arrangements such as direct cremation or immediate burial. If we charged fir embalming, we will explain why below. For the Service of Date of Death ~" Charge to: Name Address City State A. CHARGE FOR SERVICES SELECTED: 1. 1'ItOF[:SSI(:)NAL SF.RVICIiS Scmices elf Funeral Director,/Staff ..... . S t , ~ `' Itlnbaillling . . . . `~ father preparation of body i .... . S SL1B-TOTAL OF PROFESSIONAL SERVICES ..........AI ~ - ': :'_ RACtLITIEti AND SERVECF.S lice of lacilities and services filr viewin=(Visitations'\Yake) ........ 1. . $ ` Use of facilities :and services far funeral ccrcnxm ~ 5 Use of Facilities and sen~ices for ~•Ienuxial Scn-ice S Lise of equipment and services fol' ttla\'esldl tielVlel' . . . . . . . . 5 Ofhef Wtil' of faClhlle5 •.. .. ... .. .. ...........3 SUB-TOTAL OF FACILITIES/EQUIPMENT ...........A2 5 r ' a, Al.i"fOj10'I"IVH F•:OL'1PM1tl'sNT Vchic'le til tntnsfer remains to Funeral Home S- Lord ' Fleuse iCasket Coach) Loral ......................... Limousine Local ....... ............ .... F:unily car - Local ...... ........ .........5- Plowrr car ur floral disposition Local ..... ...................5 ; Lead c'ar%c~lergy c;tr Local .........................5 Car fur pallbearccs Local .............5 Out of town transportation ......... , 3 SUB-T01'AL OF AUTOMOTIVE EQUIPMENT .........A3 b TOTAL OF PROFESSIONAL SERVICES, FACII.Tf[ES AND AUTOMOTIVE EQUIPMENT' ... .. ........... ..........A S . B. CHARGE FOR MERCHANDISE SELECTED: (.:asks[ ..... ... .... .... S (Description f Other ltecept:+rlr ..... ......... 5- f Description 1 Cheer burial container ... ......... S (Uc scriptican ) r\cknocvledgemem c:l«Is .. ... ..... 5- Register bocllasl ........ S- ~ienxxy hllders .................. ~- ,. Other clothing Cremation urn ............ ...... '. (Description) _ _ 01'lilvR S - S TOTAL MERCHANDISE SELECTED . ........... . . ...H :F G SPECIAL CHARGES: ]'Orwal'ditlg of femaillS tP - tPuneml Home1 - Receiving of remains fi'om (Funeral Homel Immediate Burial ............... .. $-- Direcl Cremation ............... .. ~_- y ,l SUB-TOTAL OF SPECIAL CHARGES ..... ..........C `; ~ • ' ' D. CASH ADVANCED Opening Grave ........... . .... . .:5-- Cemetery Gquipmi;nt ............ ..:S Lot and Deed .. .............. .. '6 Newspaper Notices-Local ......... .. Newspaper Nrnices-0ut-oF-town .... .. S Telephone & Telegrams .......... .. Airfare ...................... .. 3 Clcrgy!Mstss Offering ............ .. ~; Pallbearers .............. .... .. 5~- Certified Ccapies of the Death ...... .. s- Cenificate ......' .............. .. S Police Escort ... .... . ......... .. S_- Flowers ................. .... . . ~-- Vault Service Charge ............. .. S S S '~-- S $ SUB-TOTAL OF ADVANCES ....... _ .... ....D w `~ ..- We charge you for our services in obtaining, (epecify cash rrduartces that cere nmrkerf u~) SUMMARY OF CHARGES A. Professional Services, Facilities and I?.quipntent, and Autontcrtive ticui)ment 1 I ............. S ." . 13. ~[erchandise ................... . S `~~" C. Special Charges ................. ~:_ .. D. Cash Advances ................. . $ F=, TOTAL OF ALL SECTIONS ..:... ... ............. S "s'" PAID AT TIME OF OR PRIOR TO ~ ARRANGEMENTS ... °`. °:. ; :'.<, _. , -. , ..~ S ~ ~ -.` > . 1 ..... BALANCE DUE ............... ................. ~ L REASON FOR EMBALI4TING ...................r..........ti StR3-TOTAL OF PROFESSIONAL SERVICES ..........Al ti ?. FA(:~[.1'1'[}'S ANL') SEItVICF:S Lise of facilities and sen'ices fc)r viewin;; tVihli:~uion!\Ual.e) ....... 5 Use of facilities and services for funerel cerentonv $ ° '' Use of facilities and services lilt \ienx,ri;ll Service ...... ........ 5 Use of c't{uipnten[ an(I services for graveside service ... ~$-- Onc~ruse of facilities ............y SUB-TOTAL OP FACILTTIES/EQUIPMENT ...........A3 :~ r • '~ 3- ALtT'OMO'fNF EQUIPMI:N'1' Vehirlc• to transfer rc~ntains to Funeral Home Lc)cal ......................... S__ Hearse (Casket Coach! Local ........ ........M Lintc'nrsine local ..... F:t n1ilV CAI' Luca) .........................5 Plower can or tlural disposition Local ......................... Lead cat/clergy car loyal ................ ....... S Cur for pallbearers Local ................ ........5 OUl Ol tot\91 CI`dn5{X7rtaflOn .......... S__ SUB-TOTAL OF AUTOMOTIVE EQUIPMENT .........A3 TOTAL OF PROFESSIONAL SERVICES, FACILITIES AND AUTOMOTIVE EQUIPMENT ... ............... .....A ~ . B. CHARGE FOR MERCHANDISE SELECTED: w , Casket ............ ............ (Description! _ Other RNCep[acle .. . (Description) Outer burial cannrinrr f DcscriptiraN Acknowledgement arils ...... ...... ti-- Iteglste( I)UOk(S) .. ;blenu)rt' fulclerc .. f- Frac'~r carck ... .... S Centpurary gran-(° marker ...... ... 5-- 13urial clnthing .... S TOTAL MERCHANDISE SELECTED .................i3 ~ ' ~` C. SPECIAL CHARGES: Ponv:u'ding of remains to (Funeral [-Iome) Receiving of rcntains from ti _ S _ lFuner:Q lionte) ]nunediate Ilurial ............... ~~ Direct Cremation ................. 5 * :t SUB-TOTAL OF SPECIAL CHARGES ...... .........C ti ° ` D. CASH ADVANCED Opening Grave ...... , .. ... ... c Cemetery Fquipnten[ ........... ....5 _ Lot and Deed ................ ... a _ Newspaper Notices-[Heal ........ ... ti Newspaper Notices-Out-oP-town ... ... Telephone & Telegrams , ........ ... 3 _ Airfare ................... .. - Clergy/Mass Offering ........... ... 5 d ,, _ Pallhearers .................. ...5 _ Certified Copies of the Death ..... , .. ~ Police L•scort ................. ... `~ Flowers ..................... _ ... 5 - ; ,: Vault Sen`ice Chalge ............ . .. 'r - S S - 5 _ SUB-TOTAL OF ADVANCES ......... .............D 5 `~ . We chstrge you For our sen+ices in obtailung: (sj~ecif'y cash advmrces that tree marked-u~i) SUMMARY OF CHARGES A. Professional Services, Facilities and Equipment, and Aurontorive F•.yuipmcnt ............ .... S . , [3. Merchandise ............. S C:. Special Charges .................. S '^ D. Cash Advances .................. .~ TOTAL OF ALL SECTIONS ..:.................... PAID AT TIME OF OR PRIOR TO .: : '.... .. k ARRANGEMENTS ...~.'r ..:`, : ,.. .`", BALANCE DUE ................................ ~ ... REASON FOR EMBALMIlVG if any law. cemetery, or crematory requirements have required the purchase of any of the items listed above, the law r>r requirement is explained below, I agree that I bare cs:unined the items of goods and services selected above and found them to be correct and according ua the arrangements 1 have requested. 1 acknowledge receipt a1 a copy of this Slatemem of Funeral Goods and services Selected.,! re:}ares(:nt that 1 have suFticient funds available for payment of the: cash price fur the goods and stn'ices selected. f also agree to make paymen[ of 3 ~,_ >*'irhu' days. 1 agree to be jointly and severally liable with anyone else who signs bclOw. A late charge of per month amounang"ta" ~" per year will be applied to [he unpaid balance beginning days Irom dte date of this agreement. 1 will :also pay to die Funeral Direcu)r` all reasonable costs paid by the Funeral Director to collect anuttlnts I owe under this agreement. These costs Wray include attorney:,' fees, court costs and other crosts. Arty additional service`s or merchandise ordered or requested after the date of this agreement will he a,nsiderec} p:ut of dais agrecmely and the cost thereof will be reflected on the final bill nr statement. (~e:tll tPiurhaser) iDate) !Seal! P' I'unm:rlo:me:i funrr J I)'rcnnre .t_~ u5:nion forth - 600 Revised 1/0 .... ti-- ...........5 lPurchasert (Licensed Funeral Direc[gr1 l4'"(11T8 I'unernl Dirc~nn - ~ 1'ti1.IS~tC' Funrrrl I)irrrlur VINK Cusunn¢r ' IMBL UM LA W OFFICES, P. C. 4615 DERRY STREET HARRISBURG, PA 17111 Ph:(717) 238-5250 Fax:(717) 558-8990 ESTATE OF ROSE H. HERLIHY C/O EILEEN SIMPSON 23 KENSINGTON DRIVE CAMP HILL, PA 17011 Attention: RE: ESTATE ADMINISTRATION -ROSE HERLIHY DATE DESCRIPTION Jul-13-12 Review of email from realtor; message to Attorney Petrina; email to realtor re status of estate. Review of Email from realtor; Message to Attorney Petrina; Email to realtor Re: Status of estate. Jul-15-12 Telephone call from Attorney Petrina re will; memo to file. Call from Petrina Re: Will; Memo to file. Aug-24-12 Review of email from client re will and death certificate; email to client and paralegal re setting up meeting. Review of Email from client Re: Will and Death Certificate; Email to client and Paralegal Re: Setting up a meeting. Sep-17-12 Review of will; review of email from client; telephone message to client; telephone call from client; memo to paralegal. Review of Will; Review of Email from client; Phone message to client; Call from client; Memo to Paralegal. Memo from Attorney; telephone call to Register of Wills re procedure for Renunciation; telephone call to Eileen re same and for names and addresses for siblings; draft of Renunciations and letters to siblings. December 20, 2012 File #: 7120156 Inv #: 165188 HOURS AMOUNT LAWYER 0.40 0.00 GJI 0.40 0.00 GJI 0.30 0.00 GJI 0.30 0.00 GJI 0.30 0.00 GJI 0.30 0.00 GJI 0.20 0.00 GJI 0.40 0.00 GJI 0.80 0.00 PR Invoice #: Oct-01-12 Oct-04-12 165188 Oct-22-12 Oct-25-12 Nov-01-12 Nov-OS-12 Nov-08-12 Nov-09-12 Nov-12-12 Nov-14-12 Page 2 Email from and to client re status of Renunciations. Review of email from realtor; review of file re status of Renunciations; email to realtor. Review of Email from realtor; Review of file Re: Status of renunciations; Email to realtor. Email from and to client re status of Renunciations. Email from and to client re status of Renunciations. Email from and to client re status of Renunciations. Open and prepare file; draft Petition for Probate and Grant of Letters; telephone call to Register of Wills re opening estate. Travel to and from Cumberland County Register of Wills; meeting with executrix re opening estate; memo to file. Telephone call to Claremont Nursing Home re money owed; memo to file. Travel to and from Carlisle; Meeting with Eileen Simpson Re: Opening estate; Memo to file. Call to Claremont Nursing Home Re: Money owed; Memo to file. Applied for and received EIN number. Telephone call to Cumberland Legal Journal and Carlisle Sentinal; Draft of Estate Advertisement; letter to Cumberland Legal Journal and Carlisle Sentinel; draft of Notice of Beneficial Interest for all four beneficiaries; letters to beneficiaries; draft of Certification of service of Notice of Beneficial Interest; letter to Register of Wills; letter to the Estate Recovery Unit re status of debt owed to DPW. Call from realtor Re: Offers on property; Memo to file. Review of file; Message to PA Department of Welfare Re: Amount owed and selling of real estate. Review of Agreement of Sale; Message to Welfare Department Re: Completing sale. December 20, 2012 0.20 0.00 PR 0.30 0.00 GJI 0.30 0.00 GJI 0.20 0.00 PR 0.20 0.00 PR 0.20 0.00 PR 0.80 0.00 PR 1.00 0.00 GJI 0.20 0.00 GJI 1.00 0.00 GJI 0.20 0.00 GJI 0.40 0.00 PR 1.00 0.00 PR 0.20 0.00 GJI 0.20 0.00 GJI 0.20 0.00 GJI Invoice #: 165188 Page 3 December 20, 2012 •Nov-19-12 Review of Email from realtor Re: Agreement 1.00 0.00 GJI of Sale; Call to Cumberland County Register of Wills Re: Local rules and forms; Draft of Petition for approval of real estate sale. Review of phone message from Department of 0.20 0.00 GJI Welfare; Message to Department of Welfare. Telephone call to Register of Wills; Internet 1.20 0.00 PR research of procedure for approval of sale of real estate; draft of Petiton for Approval of Sale of Real Estate and related paperwork. Nov-20-12 Calls to Court Administrator and Register of 0.30 0.00 GJI Wills Re: Disinterested person for Affidavits. Review and revision of Petition for Sale; 0.50 0.00 GJI Email to realtor Re: Affidavit. Email to realtor requesting copy of Deed, tax 0.20 0.00 GJI assessment and appraisal. Review of fax from Department of Public 0.20 0.00 GJI Welfare Re: Amount of claim; Memo to file. Nov-27-12 Email to realtor Re: Need for copy of Deed 0.20 0.00 GJI and tax assessment. Revisions to Petition to Approve Sale; draft of 0.60 0.00 PR Affidavits; email to realtors to execute Affidavits. Nov-28-12 Letter to realtors Re: Affidavit as to sale price 0.20 0.00 GJI of real estate. Nov-29-12 Revised Petiton for Approval of Sale of Real 1.20 0.00 PR Estate; fax to DPW with proposed disbursement of proceeds from sale of real estate; prepared service envelopes for service of Petition; telephone call to Register of Wills; prepared Petition for filing; letter Register of Wills. Dec-03-12 Call from Cumberland County Recorder of 0.20 0.00 GJI Deeds Re: Need for hearing notice and Final Decree; Memo to Paralegal. Dec-04-12 Telephone call to Register of Wills re Hearing 0.50 0.00 PR Order and Final Order; memo to file; draft and email of Hearing Order and Final Order to Register of Wills. Dec-17-12 Discussion with Attorney re reimbursement to 0.30 0.00 PR Eileen Simpson from real estate settlement; Email to Eileen Simpson with terms of reimbursement from settlement proceeds; email to realtor re electrical box;.. Invoice #: 165188 Page 4 December 20, 2012 Dec-18-12 Email to realtor re including reimbursement to 0.40 0.00 Eileen Simpson. from proceeds of sale. Telephone call from settlement agent; memo 0.20 0.00 to file/Attorney. Dec-19-12 Email to Settlement Agent re Attorney 0.10 0.00 approval of proposed settlement statement. Dec-20-12 Attorney fee for administration of estate. 0.00 6,946.00 Totals 17.50 $6,946.00 DISBURSEMENTS Disbursements Photocopying Charges 3.00 Facsimile Charges 15.00 Postage Charges 12.50 Nov-OS-12 OPEN ESTATE OF HERLIHY 272.50 Nov-08-12 ESTATE ADVERTISING - HERLIHY 75.00 Nov-29-12 FILING FEE -ESTATE OF HERLIHY 15.00 2012-01164 Dec-OS-12 LEGAL ADVERTISING - HERILIHY 157.68 ESTATE .^~~ PR PR PR GJI Receipts Totals ,~ '- ` $550.68 $0.00 Total Fees, Disbursements $7,496.68 Previous Balance $0.00 Previous Payments $0.00 Balance Due Now $7,496.68 RECEIPT FOR PAYMENT GLENDA FARNER STRASBAUGH Cumberland County - Register Of Wills One Courthouse S ware Carlisle, PA. 1713 HERLIHY ROSE HELEN Receipt Date: 11/05/2012 Receipt Time: 09:18:09 Receipt No.: 1071944 Estate File No.: 2012 -01164 Paid By Remarks: IMBLUM LAW OFFICES PC HMw ----------------------- - Receipt Distribution ----- -------- -------- --- Fee/Tax Description Payment Amount Payee Name PETITION LTRS ADM 210.00 CUMBERLAND COUNTY GENERAL FUN WILL 15.00 CUMBERLAND COUNTY GENERAL FUN RENUNCIATION 15.00 CUMBERLAND COUNTY GENERAL FUN SHORT' CERTIFICATE 4.00 CUMBERLAND COUNTY GENERAL FUN JCS FEE 23.50 BUREAU OF RECEIPTS & CNTR M.D AUTOMATION FEE 5.00 CUMBERLAND COUNTY GENERAL FUN Check# 1676 ---------------- $272.50 Total Received......... $272.50 IMBLUMLAW OFFICES, P.C. ,- 7 ~ 3 DATE : Nov/29/2012 ** GENERAL BALANCES ** CHE # 1703 UNBILLED DISBS: 353.8 AMOUNT $15.00 A/R BALANCE 0.0 ACCOUNT: GENERAL - 16 PAID TO: REGISTER OF WI LLS CUMBERLAND COUNTY FILING FEE - ESTATE OF HERLIHY 2012-01164 712133 - ESTATE OF ROSE H. HERLIHY MATTER :7120156 ** TRUST BALANCES ** LAWYER :GARY J. IMBLUM C/O EILEEN SIMPSON 23 KENSINGTON DRIVE CAMP HILL PA 17011 TRUST BALANCE 0.0 ESTATE ADMINISTRATION - ROSE HERLIHY ''x _ ~L a. _. _, . ~ ~ ~ - 1 ) i ::, , ='~ SF4001-1 REORDER FROM YOUR LOCAL SAFEGUARD DISTRIBUTOR, IF UNKNOWN. CALL 800-523-2422 HXWMPT0070000 St1SF01 CUMBERLAND LAW JOURNAL 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 Tele: (717) 249-3166 Fax: (717) 249-2663 December 7, 2012 Cumberland Law Journal is published every Friday by the Cumberland County Bar Association and is designated by the Court of Common Pleas as the official legal publication for Cumberland County and the legal newspaper for publication of legal notices. TO: Gary J. Imblum, Esquire RE: Rose Helen Herlihy Estate Legal advertisements must be received by Friday Noon. All legal advertising must be paid in advance. Make all checks payable to: Cumberland Law Journal. Advertisement inserted on following dates: November 23, November 30, and December 7, 2012 Advertising Cost Proof of Publication Second Proof Request Payment received Total Amount Due $ 75.00 $ 0.00 $ 0.00 $ 75.00 $ 0.00 Becky H. Morgenthal, Executive Director 1'i~r `` ntinel www.cum6erlink.cam ~~ CA"ni$iF yri; ,. .'iK~ :... .:7d?.: IMBLUM LAW OFFICE, P.C. 4615 DERRY STREET HARRISBURG, PA 17111 717-238-5250 AD NUMBER PAGE NO. 415993 1 of 1 BILL DATE SALESPERSON 11123112 wolfc START DATE STOP DATE 11 /09112 11 /23/12 AD NUMBER AD DESCRIPTION CLASS LINES 415993 NOTICE LETTERS TESTAMENTARY tN THE 10 PUBLIC NOTICES 28 * 2 cols Publication Insertions Rate Net Amount Gross Amount 3 THE SENTINEL -LEGAL 3 LGL $148.68 TOTAL AD CHARGE $148.68 3 PROOF OF PUBLICATION 01PRF $7.00 3 MOBILE SITE M062 $2.00 Purchase Order Est.RoseHerlihy PAY THIS AMOUNT $157.68 $189.22* *AFTER 12N8/12 Thank you for advertising with The Sentinel! Deadline for in-column legal ads is 4:00 p.m. two business days prior to date of insertion. For questions, call (717) 240-7130. THE SENTINEL c/o LEE NEWSPAPERS PO BOX 540 WATERLOO IA 50704-0540 000201 " IMBLUM LAW OFFICE, P.C. 4615 DERRY STREET HARRISBURG, PA 17111 nerum rms portion wpm your paymer. r ^ Check # ^ Credit Card ^^®^®^ Acct #: Ems. Date: ^ ^ Name on credit card Signature Please make checks oavable to: THE SENTINEL THE SENTINEL c/o LEE NEWSPAPERS PO BOX 540 WATERLOO IA 50704-0540 Legal Ad Number 415993 Billing Date 11/23/12 Amount Due $ 157.88 4~~rr1 . Enctose~ $ THE SENTINEL c/o LEE NEWSPAPERS PO BOX 742548 CINCINNATI OH 45274-2548 ~~~n~~~~~~n~~~~n~~i~n~n~~~~~~~n~n~~u~n~u~~n~~~n~~) 2154020000000415993000000COOOODOOD1892200000157683 IMBLIJM LAW OFFICES, P.C. 4615 DERRY STREET Gettysburg Telephone Gary J. lmblum HARRISBURG, PA 17111 717-337-0797 • Jeffrey L. Troutman (of counsel) Telephone: 717-238-52511 Lebanon Telephone Facsimile:717-558-8990 717-27D-6989 email: gary.imblum©imblumlaw offices.com December 20, 2012 PENNSYLVANIA DEPr1RTMENTOF PUBLIC WELFARE [3UREAU OF PROGRAM INTEGRITY DIVISION OF THFRD PARTY LlAB1L1TY A"fTN: TAMMI KISSINGER ftL: Rose Herlihy CIS #: 130183828 SSN:xxx-xx-4628 Date of Death: 05/29/2012 Dear Ms. Kissinger: Enclosed please find a copy of the Settlement Statement (NUD-1)for the sale of real estate in the above referenced Estate of Rose Herlihy, along with a check payable to Department of Public Welfare, in the amount of $73,964.40, for payment on the above referenced claim. Please be advised shat there are no further assets of the estate. Once this office completes and files the Pinal Accounting, a copy will be forwarded to your office. I f you have any questions, please caN this office. Very truly yours, i IMB~UM LAW OF~1'1CES,,. P,C. ~'` J / ~/ Gary J~~Tmblum` GJ I/cyh ~ enclosures cc: EILEEN SIMPSON 23 KENSINGTON DRIVL'' CAMP HILL, PA 17011 F:\USER\Candy~ESTATES 8. FORMSIOPEN ESTATES\Herlihy\Correspondence\DPWl12-20-2012 letter to DPW with proceeds from sale of teat estate and HUD.wpd GUARDIAN TRANSFER CORP. ESCROfr'J ACCOUNT 15487 Date: 12/].9/12 Aimisit: 74,964.40 E';To l~lxoL~er: 12-17210 Qx-~3c #: 15487 pay Rb: Dgsnc~~t c~ p~,r.'l ; r- `~T ~~ H~y~-: ~ r~ y Fd~ands-v; F.~ ~~T i a,- _ F3~,-~ ; rN, by r•.; i ~•~•, R. S3xcQE;oz, 19c1ni.zistsata >?>~-i,- 23 Tc =-_;*~~ ~.ve, C~np Fii.7.1, FA 17011 74 , 964 - 40 D~3i~a As~~~+~TM+~ E4anF~ts R SZ-1.7ac~ 15 4 8 7 GUARDIAN TRANSFER GUARDIAN TRANSFER CORP. jNETRO ESCROW ACCOUNT / BANK I 1000 N. PRINCE STREET LANCASTEfl, PA 17603 6D-764/313 1-87 (717) 393-7050 12/19/12 ***$74,964.40*** DATE AMOUNT ~~ E~.m SES7E1IrY FCJCgt RI~7C1SE~iD DIII~E E~1ZB.I~ S~Q'Y EC7CJE2 DCC>ZTARS ~r1 40/100 DATE TO THE ORDER D~na1t a~ Ful ~ ; r' Ti3~l ~T= OF ~; HOR12E~ SIGNAT R ~' I L 11'01548?II' x:03 X30 i846i: 53 90D607 211' i Belco Community Credit Union: Display Draft Images F~ l BELCO COMMUNITY QtEOR UN[ON ~. Monoy Manager gilt Pay epotumenp OpcWn6 My FEnence Additional My Monoy Manager Accuunla Order glocka barWnk Transfers _ ' _ ~ ~ Sacai 11n S&avs~r r , ~ ~~ i ea4:4wts+a ~ ~ 7 8 7 3 ~ bl~larrr ~ a'kups~p~ 2Yis,.E~tradul6 IJdapr ,~,~y r}~-r ~ +"~'j~ Tt71~ 7 l~i7Ar(I?tla'/(, ~iT p~ ~~ j ,~rx.,Gr 1,. ~ ~l.Cr~t~ -^ "-r-,_'..""7Df7~.~1u~r's ~ ~:,~. . +~IBBLCO .,. ., ~ . . Ru, r 7, ~ ~ L ~SCZ4 a 7~. 3 4t30D~D 4 2 ~'~60~' 7fl 7 ~ oteplsy Bsek Realm /ft IM/1 IGMI'l: Nld'IQ RCNL Ca1A IC IAA ryVIR.t: 1N87ALLMENT PAIYMEN7 7 LDWER ALLEN TOWNSHIP PAYABLE BONNE K. MILLER, TIC p1717aT-6871 TO: 2277 tiETTYBBURO ROAD PROPERTY )D CAMP HR.L, PA 7701t•7302 1$ZS0022016 TAX SCHOOL • INBTALLNIENT PAYMENT 1 RATE 9.30 oN oA Be-oRt: raoa oATe FACE 458.84 [3Y 08/31/2012 458.84 AUTHT ~Y WEST SHORE SCHOOL DISTRICT NETASSESSMENT FOR: 23 KENSINGTON DRIVE 148,018 TO: HERLIHY, DAVE FRANCIS JR /gyp (~ ~ ~~ ~~ 23 KEN8RtGTON DRNE , ~" ~D ~eJ9' (D CAMP HILL PA 17011 ~\ ~' g ~ ~~ IF DUE DATE 18 MISSED, INSTALLMENT PLAN 73 lIOT AN OPTION. BILL DATE • 07!01!2072 OVE PATE • DSI3112012 BILL $ 043408 p73LINQVENT Ba.LB ARE NRNED OVER TO TA7(CLAIM ON iL71/ZOti TAXPAYER'S COPY https://cm.netteller. com/Iogin2008/Views(Retail/DisplayDraftlmages. aspx Page 1 0£ 1 12/14/2012 e Belco Community Credit Union: Display Draft Images ~BELCC~ oaMe+uxmr Clu:arr [httoN 8ar~ease P~fr is ~er 1iri+y. Page 1 of 1 Money Manapsr Bill Pay eDocumant0 OPlivns My Plnance AddltlOnsl My Mwlsy Manager Accounts Order Chocks Interbank Transfers - .. - .. a ~, ~: r - ,;9iu~ Jt. Si~vaYr ~x ~ 7 9 5 ~ ',~ .°rfrnl ~ ~~tu} ~ ~ ~~ 7 e a ~~~('j ~ .w . r...QQw~`Y.K~ 11~~3~ ..~~ttyy_~~~,,~~((~~..{{ jam-'^' ~/y~ ,1:23 i38[lgff~t?~. ~4QC10Qt14 2~660a'~R51 Okplay Back J Retum TAX YEAR: 2012-13 REAL ESTATE TAX NOTICE INSTALLMENT PAYMENT 2 LOWER ALLEHTOWNSHIP PAYABLE e01iME K. MILLER, T/C (717} 7J7.6871 To: 2¢37 oemsBURr; RoaD PROPERTY ID CAMP Hg.L. PA 1707/•770 112E0022018 TAX SCHOOL-INSTALLMENTPAYMSNT2 RATE 8.30 oNDRtlesDRepAeeoare AFTERpQ1ALTY DATE FACE PENALTY 458.84 504.72 eY 08/30!2012 aFT>?R 09!30/2012 488.54 504.72 TAXING WEST BHORE SCF100L DISTRICT AUTH17RffY FOR: 23 KENSMIRTON DRIVE TO: HERLINY, pAV1D FRANCIS JR b ROSE H HERLIHY 23 KEN85VCiTON DRIVE CAMP HELL PA 17011 IF DUE DATE IS MISSED, MiSTALLAAENT MUST 8E PAID AT PENALTY BILL DATE - 07/01!2012 DUE PATE - 008012012 AELINQUFJIT BILLS ARE TURNED OVER TO TAX CLAIM ON 1?JS1/'t017 NETASSESSMENT 148,015 BlU. #043408 TAXPAYER'5 COPY https://cm.netteller.coca/login2008Niews/Retail/DisplayDraftImages.aspx 12/14/2fl12 +~ ` Belco Community Credit Union: Display Draft Images Page 1 of I ~ BELCC) t~OMM UNIT' lrRiD(7 UNI01+ ,3p/,.trvt ~r is ~Ir.avrn~ +i Monsy Manager Bitl Pay eoocuments Optbm My Finance Addltlonel My Money Manogm Accounts Ordar Cheoks Interbank Tnnatens . ~ 23~1~Yt1opG7f~H~ fQ ;~~-. ~ "~ .. -- -~' t?~utp .~flh: 1~t7 l7C71 J i ~ .~ • i ~ _--••4.~"•+-.~.JL~r.^~~_9~1~A{~~ ~I VRJ ~._ '/.~~I.'R.!7'1~ W Rsti ~• ' ~li3ELCO ~/ [/JI C/ }~(Nww M1'YI wY 11N6Y 1 (/~ ~+ (/'~j..w f(/~/_)~~ _~//,.~{~w~.~ ~//IMnn mow`+~ ~~•~I.1 ".: ~.J~I~~. ~ `.'•~t~.~..i~~" .Y' t. 23i38U9R`TI. L40DO~Q4'z366'alt'79~5 . wasw.am Oleplay Back Rvtum yt: TAX YEAR: 2012.13 REAL ESTATE TAX NOTICt: INSTALLMENT PAYMENT J PAYABLE eONN1E K. M0.1,ER, T1C (717) 707-a971 LOWER ALLEN TOWNSHIP TO: 2207 OETTYSEURO ROAD CAMP HILL, PA 17011.7004 PRQPERTY ID 13280022016 TAX SCHOOL -INSTALLMENT PAYMENT 3 RATE 8.30 ortoneePORe PAOSDAr~ AcrERPVN~LTroArs FACE 468,88 EY 10/31/2012 458.86 PENALTY 504.7b AIR1:R 10!31/2 iAXINO WEST SHORE SCHOOL DISTRICT AUTHORITY 012 604.78 NET A3SES8MENT FOR: 2J KENSINGTON DRNE 148,016 70: H$RUHY, DAVID FRANCIS JR 3 ROSE H HERLIIIY 23 KENSINGTON DRIVE CAMP HILL PA 17011 IF DUE DATE IS MISBEO, INSTALLMENT MUST BE PAID AT PENALTY . BILL DATE _ 07!01720'12 DUE DATE -107311Y012 BIIL #04$40$ DELINQt1ENT tsR,Lg ARE TURItED OVER TO TAX CWM ON 17Rt/2012 TAXPAYER'S COPY https://cm.netteller.com/togin20fl8/Views/RetaiUDisplayDraftImages.aspx 12/14/2012 ,; ' • Belco Community Credit Univn: Display Draft Images BELCt7 CaMMUrurv Crts an• t7ktoH Y Money ManaQor BIII Pay a0oeumonls Options My Finanta Additional My Money Manager Aceounta Order Chseha Intor4enk Transfore y R~ Swr~rn~ ~~ ~'~~ 7$ 7 4 i h: S/nr~lw~ r-r ,73d..ilk,7>tfrAir 11'r1y ,rgdllX ~r c 'a l, 7 c vi f 3 ,~ 1 !jar~'.3.r~~~~,Z'" ~-- /J{~ (/~ /.~~pr^ .7.~pa~~,~ • ~ ~ J ( ~ ~ y a ~/U.ri' ~ jb j` y~ • L.~:i`i f~ d.i..v,`..Cti':"~J~ Q~ ~ Ky .~.. /' . ~l.r I ~ 7 s ~.i~r - . w.r.. .Ar? .~ ,W A __ .. ._..., +~r lr i.r•:JUifYlifi iJ Sl~G rw,." t Y ~~~~ IM~ .I~T.CNW Q ~y 1~23i3.$CJ997a: i4Q00C1042~66CY+'?'874 TAXING AUTHORITY: 4YEST SHORE SCHOOL. DISTRICT TAX YEAR: 2012-13 PER CAPITA TAX NOTICE „ .; PAYABLE BONNIE K. MILLER, TIC (717) 737~G671 LOVYER ALLEN TOVYNSHR+ TO: 2235 OETTYSBURG ROAD ~~ , CAIAP HILL, PA 17011 IDf~ 013002088 SCHOOL TAX PER CAPTA PER CAPITA tt 611 879 q1 oR ttk~vr<e v'wp tM7E AFTER PFNALT/DAT! REBATE 4.80 4.80 BY 08/01!2012 9.80 FACE 5.00 5.00 BY 11/01/2012 10.00 PENALTY 5.50 5.50 AFTER 1110112012 11.00 TO: HERLIHY ROSE H Z3 KENSINGTON DRNE CAMP HILT. PA 17011 BILL DATE • 07!01!2012 BILL # O~i981T UNPAID TAXES WILL BE SENT TO OEtmQUENT COLLECTOR ON 1311/2012 TAXPAYER'S COPY hops://cm.netteller.com/Eogin2008Niews/Retail/UisplayDraftImages.aspx Page 1 of 1 12/14/2012 ~_ Pa e 1 of 1 • Be1co Community Credit Union: Display Draft Images g ~ BELCH COLSMON Y7Y CIRFpIT UNION ..•.y-- -23M9NiL1ljr Li ti+Y 1[YW,. .ry Monay Manafler BI11 Pay eDocumants Options My financq pdditbnal My Money Mannyer Accounts Order Checks InigAlank Transfers - .- . ~ ~ ym>t 7C. 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"_~'Y. t'~. dr7:r W w ti k ~~ ~~ M\.Y.MIn~YIr ~ Y Arr. + q ~~ ~` 1.23 L38Q9971: i4~DQC1Q4 2 ~6~.C3M 4&?~ Okplay Back ( Retum Payable To: SONNIE K MILLER, TREASURER Off~e Houre: MON,TUES 8 THURS 8-4 Bllt No: 4135 2233 t3ETTYS8URC3 ROAD CLOSED WED, FRI AND ALL HOLIDAYS Brfi Date; 311/12 CAMP HILL, PA 1 701 1-7302 BMILLER~LAIV7P:ORG Control No:13-002098 PHONE (717) 737-587t 51.00 FEE FOR ADDITIONAL RECElPT3 Tax Payer: ROSE H HERLIHY 23 KENSlNi3TON DRIVE CAMP HILL, PA 17011-7811 OCC COUNTY OF CUMBERLAND Discount Face Per>aky COUNTY PC 34.90 35.00 $5.50 TWP OF LOWER ALLEN MUN PC 34.80 55.00 $5.50 MUN OCC 1596 50.00 $0.00 30.00 TAX AMOUNT DUE If Date Of Payment Is On 58:80 311112 thru 4130112 510.00 5/1/12 thru 13!30/12 517.00 711!1? or Later TAXPAYER'S COPY -KEEP THIS PORTION FOR YOUR RECORDS https://ctn.netteiler.com/login2008/Views/Retail/DisplayDraftlmages.aspx 12/14/2012 r ~i . . Belco Community Credit Unian: Display Draft Images ~BELC4 COMMUNITY CATAIT UNION -.-^ 8rsn«sa4~rb)4wlinirQ. Money Mvnagvr alll Pay eDoeuments Opllona My Finonw Additional My Money Manaller Accounts Order Checks IntarWnk Transfers Page 1 of I •~~~ ~.• .• AAA 3k' wS'Lr~a+CU t~'a°w~3~+~~'7~F 4 ~~.~7~ t) 'S ~~~AI ~ Jrfd/J~014 - ~, ~,~s~ ~ ~, I ~i8>ELCD .. Y .. .. ,~ i:2~1~BD99?~; 714t~00t]gAc~36&Oir7'95~I ~~~..~ Obpby Beek ~ Rewm ~,~ Citizens Bank RJW214 PO Box 7000 Providel~e RI 02940 AT o1 Oa5848 342338159 A'~30GT rrrlrlPnl/llrlrlllrhlrlillirl~r„Ilgllrlllr,rlrrllrllr~ll,r ROSE H HERLIHY DAVtD FRANCIS HERLtHY JR 23 KENSINGTON DR CAMP HILL, PA 17011-7911 1-800-708-6680 EQUITY LINE OF CREDIT STATEMENT tali anytime far accoulrt InkrnwUon, currant labs and anaweia to your questions. Page 1 Clos~tg Date SEPTEMBER 07, 2012 SUMMARY Accourrt Number XXXXXX)CXXX9379 Credit Limit 0.00 Available Credit 0.00 Days in Billing Cycle 30 Average Daily Balance 30,179.28 Daily Periodic Rate .00748633% ANNUAL PERCENTAGE RATE 2.7496 INTEREST CHARGE 67.78 . New Principal Balance 30,179.29 Current Payment 67.76 Past Due Amount 35.75 Total Late Fees Due 0.00 ~-~Minimum Payment 103.53 ~' Payment Due Date 10/04/12 g BALANCE SUMMARY Previous _. - _ .Pavmentsl_.._ .+_..._Advancea ...~.._. _.Interest + Jnsurance._......±._ ......Fees ._= ____....,NewTota)...___. https://ctn.netteller.comllogin2008/Views/Retail/DisplayDraftlmages,aspx 12/14/2012 Citizens Bank RJW214 PO Box 7000 Pnwidence R102940 1-8~-708.6880 EQUITY LINE OF CREDIT STATEMENT Caq snygme ror account InrormNbn, cummt rates end anaNbrc ro your WasHona Aage 1 Closing Date JULY 0$, 2012 SUMMARY Account Number XXX XX~WUC9379 A7 01 040987 039316139 A"3D6T Credit Limit 0.00 1+{Ih+:{~{rl~r+~il+Iti{'1{{{'{{ttrr{I{hgli'{{II"l{I{II{li{111 Available Credit 0.00 ROSE H HERLIHY Days in Bi9ing Cycle 31 DAVID FRANCIS HERLIHY JR Average Daily Balance 30,179.29 23 KENSINGTON DR PA 17011-7911 ~ CAMP HILL Rai Periodic Rate IY .OD74883396 , ANNUAL PERCENTAGE RATE 2.743b INTEREST CHARGE 70.04 New Principal Balance 30,178.28 Currerrt Payment 70.04 Past Due Amount 328.94 Total Late Fees Due 25.27 Minimum Payment 424.25 Payment Due Date 08/04/12 g 6ELC0 COMMUNITY CREDIT UNION' P.O. Box 82' Harrisburg, PA 17108 1-800-642-4482 www.belw.org CHECK NO:D000O 10265 Acct: 0000423660 Te11er: 1.187 Aate: 08/18/12 Time: 10;40am See receipt for reference Check Number: 00 000001,0265 Purpose Amount $465.43 Pay to CITIZENS BANK OF PA ACCT. #6057199379 EQUITY LINE OF CREDIT ROSE H HERLIHY XXXXXXXXXX9379 DAVID FRANCIS HERLIHY JR Account Number 23 KENSINGTON DR Payment Due Date 08/04/12 CAMP~HILL, AA 17011-7911 Minimum Paymer>f 424.2b Amount Enclosed [$ L~ ~ ~, Qieck ihlc bar N your adresc rn pmcwral intvrnwWn hes chargsd and ooTplets ttw ronn on tiro re~erca sWe. rrrr{1.,..{I'{{'{{{h+il{{l{tl'n{nt{II^{er+ll{{I"II{{l{Ilt{II Citizens Bank Citizens Bank P.O. Box 42008 m Providence, R{ 02940-2008 Memnerl=Dtct9t EqualliousinpLerxler 01 060 00006057199379 000000000042425 sm Psy eDoownbnt• optan• My Flnarros aadnwn~ .r •' , - ~ ~ w ~ ~aat' x. Strr~s ~ ~ .~~r ~~. Z 9 7 7 ' c+~~lla1. !iv ~~~~i ~ ' ' ~$ELC U .~.~v? ~i~;oa 'U w+YM%t 4r4r ~J +. c~ 3 L 38CJ 49 7+. i 4000t]Q 4 2 3 6601 _.. .LOWER ALLEN 'T`OWNSHIP AUTHORIT Y l20 1.irnekiln Road, New Cumberland, PA 17070-2428 O[fice: (7I7) 774-0610 • T'ax: (71?) 774-2291 November 15, 2012 David Herlihy 23 Kensington Dr. Camp Hill, Pa. I7011 Rey .Notice of Delinquency Sewer Rental Account No.: 107-0960-0 Service Address: 23 Kensuigton Dr. Dear Mr. Herlihy: The Lower Allen Township Authority is hereby providing you Notice of Delinquency on your sewer accouurt payments in the amount of $247.00 for the above referenced service address. ~_..__-.-,__..Sr.r_-^~...-C..~a--....1....12.~_..-.-.a..,--„-.,.--..a.-.--..aL.'....-,.......0..,...J.--.Sia.t.-,.11P.'Of.....»J.1C.~.a..._...-..0....~... ...............___.._.,. Belco Community Credit Union: Display Draft Images Page 1 of 1 ~ BELCtJ CPMMCI4ITY CRFDr7 UNlnrt 8ua.vc Pyk inter tin ; p, Money Manager Bla Pay eDaumanta Options My Flnance Addlttonal My Maley Manager Accounts Order Chaska Interbank Transfers ~ ~~ _ Y .~......_ .._..... ..K~. r ~ . r r: 2 3 ~ 3,730 q 9 7~: 3 40©DOt7 sa 2 36 60u' 78~tCJ .~-., ~. Dlaplay Back.._ . ~ Retum i yc. - Peet Bill intortaatlon - U01 Utility s e~rsrxr,or 71-oaccour~tbalancaonyourlastbiNwas»......~..... $23:31 -~ ~~ 8iliia9y tiumm~ 1or:~rvtce to ~~ ~' ~ your payment oi` ...._..._......._............ 27.3 218721151034 HLEEN R SIMPSON" Yow balance as of 0 9/3 112 0 1 2 .,...:..,...._..» ............... 23 KEtISINGTON DR CAIAP NILL PA 17011 , Rata Class111cation: Residential Heating Currsat Bilt information - U01 tJtillty Billing Period: Customer Charge .......,...,_.....„.•. ...............,...._......„... .8,55 07130!2012 to 08/28/2012 (29 days) Commgdity Charge { 4 CCF at 50.587b01...._......,... 29S Distribution Charges (First 4 CCF at 30.40250 ....., 1.ti1 Remofe Device Raad PA State Tax Suroha e ) Ca11800-276-2722 or write to U61 at UG~1 UtiEityactbary~ases~UGI~D~tity1..~ ^„mn_.. ~•:M~-»- POBOX 13009 bit 3 8.04 --- ---- ea ng, PA 19612-3009 Total Arlwunt Due, Please Pay>>Y flee Gate (09/21/2012) ......~...».,...._,.»,».»....» = 8.04 'Your current UGI charges include State taxes totaling about 3 0.40. https://czn,netteller.com/login2008/Views/Retail/DisplayDraftImages.aspx 12/ 14/2012 Belco Community Credit Union: Display Draft Images Page 1 of 1 .. BELCC) COMMUNITY GtF.Tit'r (1NIUN _......._ Burtcri ~ is /w GiM 9. MonoyManrtper Bf11Pey eDOCUmenta Optbna MyFlnmce A~dditbnal My Money Manager Accounts OrBer Checks intsrhenk 7ranaiers 88~ - ~'~, ~ ~ ~un~p,Xl~ll ,~~ lrcri _ -~ _ I~. !sue ~ ~~ ~ y~ ~.rv~I.IfYnO KM ~~~-!.!~~-'++ ~/J • :iZ~:;~~{:CI.~{~~il: ~~~©©~~~a2'~~ala`'t~it~?f~~Cil~ plapky Back ~ Retum Past 8iR iniorraaUon -UGI Uglily ,tt. • • ` - , . . vea arivier Thealxour-t bahlnce on your last bifl was „.._.„.,,„ $ 27.73 ~ -• - 8tuin~.~g_ Sumn~Y for Service to• Thank you for your payment of .........„„„........„....„„ -16.05 218721151034 EILEEtf R sIMiPSgK Late Charga ......„..,....„..„...........r..„..„„„„.._..._......_.. 0 S 23 KENSINGTON OR Maur balance as of 08!0212012 (due now) ....._..,.. CAMP HILL PA 17811 Rate gasetlicagon: Residential Heating Currant Bill leformation - Util Utility Billing Period: Customer Charge „_..._„......„..„„„„.._..,.__ „.._„.._..„„ 8,55 O(i/ 012 (32 days) )) ~ ~ b ~ ~ rg ea ( f3 t ~ CF aB 7 „ ' 2 11 Rem~a Device Read Dt stn u tlo r- C ar g Flr st C S0 40333} . ... . 1 PA St t T ' QussttoesT Call 800-276-2722 or write to UGt at P a e ax hrrrttarge.....,.„........».„...„...„..,..„...r.... X46 Q ~ Total CurrantCharges - UGi UtElity ,.„..,._„.F„„., UGI UgMly ehargar owed this b ll . O 80X 13009 „. ..„..__.,_„„„.I....„....._„„.._...,......„...._....___„.. ;28.57 Readf~l PA 19612-3009 Total Ilmount Due, Please Pay by Bun Dale (OS/29l201~ ..„._.._..........._..„_.„,. S 29.81 `Your currant UGI charges include State texas totalitrg abaut S 0.37. https://czn.netteller.com/login2008Niews/Retail/DisplayDra$Images.aspx 12/14!2012 Page 1 of 1 Belco Community Credit Union: Display Draft Images BELCO CpMMUNIPf CREDIT UN[UK Gri,r,..~t I,/t & /arGrr~~. a My Finance Addktonsl Money Manager BIII Pay aDocuments Optlon y Order Chocks InrorGanh Transieru M Money Managor Accounts 1: " ~,~ ` ° 'E~``A,~yfi ~}.~,:.~~.'*;'~,~+'~'F""~ "'w-~9iwy tai ~'~~`: 7 $ 6 8 .. ssd,.ilYra+l~r s;23i3SE7R9q>f; t4CJ00004236~C111'?~~'4 ;Y.~.~. DI"+~pyy~k ~ Retum Questions Please ~/~ visit us online at Page 1 -_`~'~` _ ~ contact us by Aug 29. - U PPieleczric.wm 1-800-DIAL-PPI, AP ~ ~ (1800-342 5775} 04460-77014 Aug 29, 2012 ~ ~ ~~0',t' tee. el.arlo uw+aww M-F; Sam t0 5pm Your Electric Usage Profile Service ta: EILEEM SlMPSON 23 KENSfNGTON DR CAMP Hill, PA 17011 Meter: 90286187 Your next meter reading is an or about Sep 6, 2012. This section helps you understand your year-to-year electric use by month. Meter readings are actual unless otherwise Hated. ~ 2a1 ~ ®zot 2 so _.. AO _ _ .. .~ -i BitUn~ Summary (Billing d~3ls vn back) Balance as of Aug 8, 2012 $0.00 Charges: Total Dominion Energy Solutions Charges $7.55 Total PPI. Electric UttlltlesCharges $9.47 TotaiCharges $17.02 Account Balance $17.02 PP4 Electric Utilities' price to compare for your rate Is 7.993 cents per kWh effective 6/1/2012 to 8/31/2012. For a list of suppler offers, visit Irapawerswitch.com or vwvw.oca.state.pa.us. Your Message Center w 1NkTh.nanorlae¢.hillinu..vn,.rran.rnraluaand~aav_anru 1 211 4/20 1 2 https:/lcm.netteller.corn/Iogin2008Nievvs/Retail/DisplayDraftlmages.aspx r- U a W U '-' ~ r.l~ W .~ ~,' f, t::~. . p ~ ~ ~ I ~ *e~; t ~~.~~ ~i I~ ~' ~' ~.` Fi ~' Q ~ ~ y~y~{Y,,~ 1~ 1j ~'I~, °.~, ~;{ r .. .. ~ "t ~`^ ~.-~ .. y~ ~y ~,y /+ Q w ~~' m ~^^ t ~ J U l' "- i -- 1~~,_ ~~ ~,',,_~ I, ~_- !~'~~ '- I - ,, 't J: i