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Home My WebLink About05-28-13 J 15�5610140 REV-1500 EX �°,_,°> PA Department of Revenue OFFICIAL USE ONLV Bureau of Individual Taxes INHERITANCE TAX RETURN CounryCode Year File Number PO BOX 280601 2 1 1 3 0 2 0 1 Harzisburg,PA 17128-p601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW SoCial SeCUrify NUmbef Date Of Death MMDDVrYY Date of Birth MMDDYYr� 0 1 0 8 2 0 1 3 � 1 0 2 1 9 3 3 DecedenPs Last Name Su�x DecedenYs First Name MI Z E I G L E R B E T T Y A (If Applicable)Enter Surviving Spouse's Infortnation Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Secunty Number - THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW Q 7.Original Return � 2.Supplemental Return � 3. Remainder Return(date of death prior to 12-73-82) � 4. Limited Estate � 4a.Future Interest Compromise(date of � 5. Federal Estate Tax Retum Required death after 72-12-82) QX 6. Decedent Died Testate � 7.Decedent Maintained a Living Trust _ 8.Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust) � 9. Litigation Proceeds Received � 10.Spousal Poverty Credit(date of death � 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,$610ULD BEDl�RECTED T0: Name DaydMe Telephon�Nymbex'� r;; C C " .r; R 0 G E R B • 2 R W I N , E S Q U I R E 7�„� 2 �9 `."yc � 5 3 � ,,; ... :OR�fi19�ER OFIMLLS U6E UtiLY CO .. ,r.- �� - _ - , , G: First line of address ""'�7 ` I R W I N 8 M c K N I G H T , P . C - � � �' � � ` -��a �� _: �-�� Second line of address -3 ""� �;, :.s �.r W -rt 6 0 W E S T P 0 M F R E T S T R E E T Clty of PoSt Offlce State ZIP Code ____ DATE FILED . C A R L I S L E P A 1 7 0 1 3 Correspondent's e-mail address: Under penakies of perjury,I declare that I have examinetl ihis reWm,includinq accompanying schetlules antl statements,an0 to the best of my knowledge and belief, it is true,cortecl and complete.Declaralion of preparer oNer ihan Me persanal repreaentafive is based on all information of which preparer�as any knowledge. SIGNAT E OF PERS ESPONSIBLE FOR FILING RETURN ` s°�.� j ADDRE 6 STWOOD DRIV CARLISLE PA 17�15 SIGNATURE OF PREPARER OTHER T N REPRESENTATIVE TE c�., s L� /3 ADDRE 60 WEST 0 FRET STREET CARLISLE PA 17013 PLEASE USE ORIGINAL FORM ONLY Side 7 � 1505610140 1505610140 � �� J 1505610240 REV-1500 EX Decedent's Social Secur@y Number oecedenesName: BETTY A . ZEIGLER RECAPITU�ATION i. Real Estate(Schedule A) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. • 2. Stocks and Bonds(Schedule 8) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2. 4 6 5 1 6 , 5 5 3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C) . . . . . 3. • 4. Mortgages and Notes Receivable(Schedule D) . . . . . . . . . . . . . . . . . . . . . . . . . . 4. . 5. Cash,Bank Deposits and Miscellaneous Personal Property(Schedule E). . . . . . . 5. 1 3 1 9 3 5 , 6 1 6. Jointly Owned Property(Schedule F) � Separate Billing Requested . . . . . . . 6. 1 5 3 0 � 0 , 0 � 7. Inter-Vivos Trensfers&Miscellaneous N -Probate Property (SchedWe G) � Separete Billing Requested . . . . . . . 7. 4 1 6 2 , 7 4 8. Total Gross Assets(total Lines 1 through 7) . . . . . . . . . . . . . . . . . . . . . . . . . . . 8. 3 3 5 6 1 4 , 9 0 9. Funeral Expenses and Administrative Costs(Schedule H) . . . . . . . . . . . . . . . . . . 9. 6 6 9 6 5 . 5 7 10. Debts of Oecedent,Martgage Liabilities,and�iens(Schedule I) . . . . . . . . . . . . . 10. 1 $ 7 � . 7 9 ��, Total Deductions(total Lines 9 antl 10) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . N. 6 8 5 3 6 . 3 6 12. Net Value of Esqte(Line B minus Line 11) . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12. 2 6 7 0 7 8 . $ 4 13. Charitable and Governmental BequestslSec 9173 Trusts for which an election to tax has not been made(Schedule J) . . . . . . . . . . . . . . . . . . . . . . 13. 5 � � � . a o 14. Net Value Subject to Tax(Line 12 minus Line 13) . . . . . . . . . . . . . . . . . . . . . . 14. 2 6 2 0 7 8 . 5 4 TAX CALCULATION-SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate,or trensfere under Sec. 9116 (a)(1.2)X.0 _ � . � 0 15. 0 . 0 0 76. Amount of Line 14 taxable at�inea�rate x.oa5 2 6 0 0 7 8 . 5 4 �s. 1 1 7 0 3 . 5 3 17. Amount of Line 14 taxable at sibling rate X.12 2 � � 0 . � � 17. 2 4 0 . 0 � 18. Amount of Line 14 taxable at collateral rate X.15 0 . 0 0 �g, 0 . p p is. Tnxoue . . . _ . . . _ . . . _ . . . . . . _ is. 1 1 9 4 3 . 5 3 20. FILL IN THE OVAL IF YOU ARE RE�UESTING A REFUND OF AN OVERPAYMENT � Side 2 � 1505610240 1505610240 J Continuation of REV-1500 Inheritance Tax Return Resident Decedent BETTY A.ZEIGLER 21 13 0201 DecedenPs Name Page 3 � File Number Correspondents Name Daytime Telephone Number R O G E R B . I R W I N , E S Q U I R E 7 1 7 2 4 9 2 3 5 3 First line of address I R W I N & M c K N I G H T , P . C . Second line of address 6 0 W E S T P O M F R E T S T R E E T City or Post Office State ZIP Code C A R L 1 S L E P A 1 7 0 1 3 Correspondent's e-mail address: Under penaltles of pe�jury,I declare that I have examined this relum,including accompanying schedules and statemenls,and to the best of my knowledge and belief, it is true,cortect and co late.Declarefion of preparer other than ihe personal represenlaNve is based on all information of which prepa2r has any knowledge. SIGNATU ON RESPONSIBLE FOR FILING RET DATE � J' /3 ADDRESS 1516 W. TRINDLE ROAD CARLISLE PA 17015 REV-1500 EX Page 3 File Number Decedent's Complete Address: 2� 13 020� DECEDENT'S NAME BETTY A. ZEIGLER STREETADDRE55 4 EASTWOOD DRIVE ___ CITY STATE � ZIP CARLISLE PA 17015 Tax Payments and Credits: 1. Tax Due(Page 2,Line 19) (i) 11,943.53 2. Credits/Payments A.Prior Payments 11,000.00 B.Discount 597.18 TotalCredits(A+g) (p) 11,597.18 3. Interest (3) 4. If Line 2 is greater ihan Line 1 +Line 3,enter the difference.This is the OVERPAYMENT. Fill in oval on Page 2,Line 20 to requeat a retund. (4) 0.00 5. If Line 1 +Line 3 is greater than Line 2,enler the difference.This is the TAX DUE. (5) 346.35 Make check payable to: REGISTER OF WILLS, AGENT . , a�'�"' . "�.� �»*N'"�,��.��s��'J PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain ihe use or income of the property transferred: ...................................................................... ❑ QX b. retain the right to designate who shall use the property transferred or its income; ❑ OX c. retain a reversionary interest;or ................................................................................................ ❑ ❑X d. receive the promise for life of either payments,benefits or care? ....................................................... ❑ ❑X 2. If death occurred after December 12,1982,did decedent transfer propeRy wilhin one year of death without receiving adequate consideration? ....................................................................................... ❑ ❑X 3. Did decedent own an"in Wst fo�'or payable-upon�effih bank account or security at his or her death? ......... ❑ ❑X 4. Did decedent own an individual retirement account,annuity or other non-probate property,which contains a beneficiary designffiion?.................................................................................................. ❑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. ..., . . ,. . ,, �� , . . ,;;�, K«�x :��, ,.�r r,, n , .;�.� ,:i 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 afler Jan. t, 1995,the tax rate imposed on the net value of Vansfers to or for the use of the surviving spouse is 0 percent [72 P.S.§9116(a)(1.1)(ii)].The statute does not exempt a transfer to a surviving spouse from tax,and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1,2000: • The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent,an adoptive parent or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1.2)]. • The tax rate imposed on the net value of transfers to or for the use of the decedenPs lineal beneficiaries is 4.5 percent,except as noted in 72 P.S.§9116(1.2)[72 P.S.§9116(a)(1)1. • The tax rate imposed on the net value of transfers to or for the use of the decedenPs siblings is 12 percent[72 P.S.§9116(a)(1.3)].A sibling is defined,under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or aiioption. REV-1502 EX+(pi-10) pennsylvania SCHEDULE A DEPARTMENT OF REVENUE REAL ESTATE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: BETTY A. ZEIGLER 21 13 0201 All real property owned solely or as a tenant in common must be repoRed ffi fair market value.Fair market value is def ned as the price at which propeAy would be exchanged belween 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 jointlyowned wiMi right of survivorship must be disclosed on Schedule F. Attach a copy of the settlement sheet if the properly has been sold. ITEM Include a copy ot ihe deed showing decedenPs interest if owned as tenanl in common. VALUE AT DATE NUMBER OF DEATH DESCRIPTION 1. 1301 W. TRINDLE ROAD, CARLISLE, PENNSYLVANIA APPRAISAL ATTACHED-$514,000.00 TAX EXEMPT PURSUANT TO ACT 85 2012 FARM FAMILY INHERITANCE TAX 2. 1400 W. TRINDLE ROAD, CARLISLE, PENNSYLVANIA APPRAISAL ATTACHED-$653,000.00 TAX EXEMPT PURSUANT TO ACT 85 2012 FARM FAMILY INHERITANCE TAX 3. REAR HELEN AVENUE, MECHANICSBURG, PENNSYLVANIA APPRAISAL ATTACHED-$270,000.00 TAX EXEMPT PURSUANT TO ACT 85 2012 FARM FAMILY INHERITANCE TAX TOTAL(Also enter on Line 1,RecapiWlation.) $ If more space is needed,use addi�onal sheets of paper of the same size. REV-7503 EX+(6-98) SCHEDULE B COMMONWEALTH OF PENNSYLVANIA STOCKS & BONDS INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER BETTYA. ZEIGLER 21 13 0201 All properly joiMlyovmed with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. M&T SECURITIES, INC. -ACCOUNT NUMBER: AZD-723856 46,516.55 MUTUALFUNDS TOTAL(Also enter on line 2,Recapitulation) $ 46 516.55 (If more space is needed,inseA addNOnal sheeLS of the same size) REV-1508 EX+(11-10) pennsylvania SCHEDULE E DEPARTMENT OF REVENUE CASH, BANK DEPOSITS, & MISC. INHERITANCE 7AX RETURN RESI�ENTDECEDENT PERSONAL PROPERTY ESTATE OF: FILE NUMBER: BETTY A. ZEIGLER 21 13 0201 Include the proceeds of litigatbn and the date the proceeds were receNed by the eshate. All property joiMty owned�mfh nghl of surv'rvonhip must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. F&M TRUST-CERTIFICATE OF DEPOSIT#212979850 5,001.07 2. F&M TRUST-CERTIFICATE OF DEPOSIT#212979851 7,001.50 3. PERSONAL PROPERTY-APPRAISAL ATTACHED 14,337.00 4. SOVEREIGNBANK-CHECKINGACCOUNT#2891046773 1,721.94 5. SOVEREIGNBANK-SAVINGSACCOUNT#2894013404 1,002.46 6. SOVEREIGN BANK-CERTIFICATE OF DEPOSIT#2895263644 10,984.15 7. SOVEREIGN BANK-CERTIFICATE OF DEPOSIT#2895302061 12,827.66 8. SOVEREIGN BANK-CERTIFICATE OF DEPOSIT#2895550164 10,057.20 9. SOVEREIGN BANK-CERTIFICATE OF DEPOSIT#2895554430 13,247.64 10. SOVEREIGN BANK-CERTIFICATE OF DEPOSIT#7672833588 52,150.13 11. SOVEREIGN BANK-IRA CERTIFICATE OF DEPOSIT#2898156910 1,958.62 12. M&T BANK-SAVINGS ACCOUNT#15004200923660 1,64624 TOTAL(Also enter on Line 5,Recapitulation) E 131 935.61 If more space is needed,insert additional sheets of paper of the same size REV-1509 EX+(01-10) pennsylvania SCHEDULE F OEPARTMENTOFREVENUE �OINTLY•OWNEDPROPERTY INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: BETTY A. ZEIGLER 21 13 0201 If an asset xras made jointly ovmed wkhin one year of the decedenfs date of death,it must be reported on Schedule G. SURVIVING JOINT TENANT(S)NAME(S) ADDRESS RELATIONSHIP TO DECEDENT q.ANNA M. ZEIGLER 4 EASTWOOD DRIVE DAUGHTER CARLISLE, PA 17015 s. c. JOINTLY-OWNED PROPERTY: LETTER DATE DESCRIPTION OF PROPERTY %OF DATE OF DEATH ITEM fORJ01NT MA�E INCLUDENAMEOFFINANCIALINSTITUTIONANOBANKACCOUNTNUMBERORSIMILAR DATEOFDEHTH DECEDENT'S VALUEOF NUMBER TENANT JOINT IDENTIFYINGNUMBER. ATTACHDEEDFORJOINTLY-HELOREALESTATE. VALUEOFA;iSET INTEREST DECE�ENT'SINTEREST �. A. 4 EASTWOOD DRIVE 306,000.00 50. 153,000.00 CARLISLE, PA 17015 TOTAL(Also enter on Line 6,Recapitulation) S 153 000.00 If more space is needed,use additional sheets of paper of the same size. REV4510 EX+(p8-09) pennsylvania SCHEDULE G DEPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND iNHeRirnNCETnxaeTUaN MISC. NON-PROBATE PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER BETTY A. ZEIGLER 21 13 0201 This schedule must be completed and fled if the answer to any of questions 1 through 4 on page ih2e of the REV-1500 is yes. DESCRIPTION OF PROPERTY DATE OF DEATH %OF DECD'S EXCLUSION TAXABLE ITEM INCLUUETHENAMEOFTHETRANSFEREE,THEIARElATI0N5HIPT0�ECF�EMANO NUMBER THEUATEOFTRANSFER.ATfACHACOPYOFTHEDEEDiORREPLESTATE. VALUEOFASSET INTEREST prMauCn&E� VALUE 1. ALLSTATE ANNUITY 4,162.74 100.00 4,162.74 CERTIFICATE NUMBER: GA272648 BENEFICIARIES: JOSIAH J. ZEIGLER 0.00 KENNETH E. ZEIGLER, JR. LINDA K. DEITCH TOTAL (Also enter on Line 7,Recapitulation) $ 4 162.74 If more space is needed,use addidonal sheets of paper of ihe same size. REV-1511 EX+��o-os� pennsylvania SCHEDULE H DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERITANCETAXRETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER BETTYA. ZEIGLER 21 13 0201 Decedenfs debts must be repoAetl on Schetlule�. ITEM NUMBER DESCRIPTION AMOUNT A. FUNER4LEXPENSES: 1. HOFFMAN-ROTH FUNERAL HOME 9,176.91 B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s)of Personal Representative(s) Street Address City Stete ZIP_ Year(s)Commission Paid: Z, nttomeyFees: IRWIN 8� MCKNIGHT, P.C. 51,400.00 3, Family Exemption:(If decedenPs address is not the same as claimanYs,attach explanation.) 3,500.00 Claimant ANNA M. ZEIGLER StreetAddress 4 EASTWOOD DRIVE c�ry CARLISLE s�z�e PA ZiP 17015 RelationshipofClaimantMDecedenf DAUGHTER 4. ProbateFees: REGISTER OF WILLS 1,103.50 5 AccountantFees: 6. Tax Retum Preparer Fees: 7. DIVERSIFIED APPRAISALS-APPRAISALS ON REAL ESTATE(3) 1,300.00 8. ROY GOTTSHALL-APPRAISAL ON PERSONAL PROPERTY 65.00 9. SOVEREIGN BANK- DATE OF DEATH VALUATION 20.00 10. CUMBERLAND LAW JOURNAL- ESTATE NOTICE 75.00 11. THE SENTINEL- ESTATE NOTICE 200.16 12. COMMONWEALTH OF PENNSYLVANIA- FILING FEE- PARTNERSHIP 125.00 TOTAL(Also enter on Line 9,Recapitulation) $ 66 965.57 If more space is needed,use addiUonal sheets of paper of the same size. REV-1512 Ex+(12-OB) pennsylvania SCHEDULE I DEPARTMENTOF REVENUE DEBTS OF DECEDENT� INHERITANCETAXRETURN MORTGAGE LIABILITIES, &LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER BETTY A. ZEIGLER 21 13 0201 Report debts incurred by the decedeM priorto death that remained unpaid at the date of death,including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. CARLISLE PROPANE- UTILITY 224.11 2. MARY A. MURRAY, TAX COLLECTOR 428.1 S REAL ESTATE TAXES- 1301 W. TRINDLE ROAD 3. DEBRA BASEHORE WIEST, TAX COLLECTOR 688.17 REAL ESTATE TAXES- 1400 W. TRINDLE ROAD 4. DEBRA BASEHORE WIEST, TAX COLLECTOR 129.73 REAL ESTATE TAXES-W TRINDLE ROAD LOT 2 5. DEBRA BASEHORE WIEST, TAX COLLECTOR 9.80 PERSONALTAXES 6. MARY A. MURRAY, TAX COLLECTOR 90.80 REAL ESTATE TAXES- HELEN DRIVE REAR TOTAL(Also enter on Line 10,F,ecapiWlation) $ 1 570.79 If more space is needed,insert additional sheets of the same s¢e. Rev-isis ex+�oi-io� pennsylvania SCHEDULE J �EPARTMENT OF REVENUE BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: BETTYA. ZEIGLER 21 13 0201 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLEDISTRIBUTIONS [Indudeoutn'�htspousaldisUibutionsandtransfersunder Sec.91f6(a)(12).j 1. PAULINE W. THRUSH Sibiing 1,000.00 1111 SAND PIPER COURT MECHANICSBURG, PA 17050 2. ROBERT E. WILLIAMS Sibling 1,000.00 900 EPPLEY ROAD MECHANICSBURG, PA 17055 3. ASHLEY L. ZEIGLER Lineal 6,666.66 6 EASTWOOD DRIVE CARLISLE, PA 17015 4. JOSIAH J. ZEIGLER, JR. Lineal 6,666.66 6 EASTWOOD DRIVE CARLISLE, PA 17015 5. APRIL BURDICK Lineal 6,666.66 601 FULKROAD ROAD MIFFLINTOWN, PA 17059 6. RANDY DEITCH Lineal 6,666.67 281 BOYER ROAD CARLISLE, PA 17015 7. CHRISTINE L. ST. CYR Lineal 6,666.67 111 RIDGE DRIVE CARLISLE, PA 17015 ENTER DOILAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-15(10 COVER SHEET,AS APPROPRIATE. Il. 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. HICKORYTOWN UNITED METHODIST CHURCH 5,000.00 1510 W. TRINDLE ROAD CARLISLE, PA TOTAL OF PART II-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE t3 OF REV-1500 COVER SHEET. E 5 000.00 If more space is needed,use additional sheets of paper of the same size. Continuation of REV-1500 Inheritance Tax Return Resident Decedent BETTY A.ZEIGLER 21 13 0201 DecedenYs Name Page 7 File Number Schedule J -Beneficiaries-1 RELATIONSHIPTODECEDENT AMOUNTORSHARE NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS [Indude ouh'q htspousal dis4ibutions and transfers under Sec.9116(a)(12).] 8. JONATHAN CAMERON ZEIGLER Lineal 6,666.67 1516 W. TRINDLE ROAD CARLISLE, PA 17015 9. JADYN NECOL ZEIGLER Lineal 6,666.67 1516 W. TRINDLE ROAD CARLISLE, PA 17015 10. JESARA MAE MARIE ZEIGLER Lineal 6,666.67 1516 W. TRINDLE ROAD CARLISLE, PA 17015 11. ADAM CURTIS ZEIGLER Lineal 6,666.67 168 CRAIN DRIVE CARLISLE, PA 17013 12. JESSE A. ST. CYR Lineal 6,666.66 111 RIDGE DRIVE CARLISLE, PA 17015 13. NOAH BURDICK Lineal 6,666.66 601 FULKROAD ROAD MIFFLINTOWN, PA 17059 14. CALEB BURDICK Lineal 6,666.67 601 FULKROAD ROAD MIFFLINTOWN, PA 17059 15. EMMA DEITCH Lineal 6,666.67 281 BOYER ROAD CARLISLE, PA 17015 16. SAMUEL DEITCH Lineal 6,666.67 281 BOYER ROAD CARLISLE, PA 17015 17. ZOE N. ST. CYR Lineal 6,666.67 111 RIDGE DRIVE CARLISLE, PA 17015 18. ELMER J. ZEIGLER Lineal 32,015.71 1516 W. TRINDLE ROAD 1I5TH FARM & CARLISLE, PA 17015 REMAINDER 19. KENNETH E. ZEIGLER, JR. Lineal 32,015.71 168 CRAIN DRIVE 1I5TH FARM & CARLISLE, PA 17013 REMAINDER 20. LINDA K. DEITCH Lineal 32,015.71 390 S. MIDDLESEX ROAD 1I5TH FARM 8� CARLISLE, PA 17015 REMAINDER 21. ANNA M. ZEIGLER Lineal 32,015.71 4 EASTWOOD DRIVE 1/5TH FARM & CARLISLE, PA 17015 REMAINDER Continuation of REV-1500 Inheritance Tax Return Resident Decedent BETTY A.ZEIGLER 21 13 0201 DecedenYs Name Page 2 File Number Schedule J -Beneficiaries -1 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee�s) OF ESTATE � TAXABLEDISTRIBUTIONS [Indudeouhighispousaldistributionsandtransfersunder Sec.9116(a)(1.2).] 22. JOSIAH J. ZEIGLER Lineal 32,015.70 6 EASTWOOD DRIVE 1/5TH FARM & CARLISLE, PA 17015 REMAINDER 4 � LAST WILL AND TESTAMENT I, BE1°I'Y A. ZEIGLER, of Silver Spring Township, Cumberland County, Pennsylvania, being of sound mind, disposing memory and full legal age, do hereby make, publish and declare this to be my Last Will and Testament, hereby revoking ail Wills and Codicils heretofore made by me. - 1. I direct my Co-Executors to pay all of my debts, funerat and administrative expenses as soon as convenient after my decease. Furthermore, I direct that a11 state, inheritance, succession and other death taxes imposed or payable by reason of my death and interest and ' penalries thereon with respect to all property composing of my gross estate for death tax purposes, whether or not such properiy passes under this Will, sLall be paid by the Co-Executors from my estate, and that none af the aforesaid taxes shali be prorated among those persons or entities named herein or otherwise beneficiaries hereunder. 2. My CaExecutors may, at their discretion, compromise claims, borrow money,retain properiy for such length of titne as they may deem proper; lease snd sell properiy for such prices, on such terms, at public or private sales, as they may deem proper;and invest estate property and income without restriction to legal investments unless otherwise provided hereunder, 3. I authorize and empower my Co-Executors to sell any realty and/or persona(ty owned by me at my death and not specifically devised or bequeathed herein, at public or private sale or sales and to give good and sufficient deeds and/or bills of sale therefor, in fee simple, as I could do if living. My Co-Executors are authorized and empowered to engage in any bus�ness in which I may be engaged at my death, for such period of time after my death tas seems expedient to said Co-Executors. 4 G' � 4. I give, devise and bequeath a11 of my estate of whatever nature and wherever situate as foilows: a. Certain items of personal property aocording to a list left with my Will; b. The swn of$1,000.00 to PAULINE W. THRUSH; c. The sum of$1,000.00 to ROBERT E. WII,LIAMS; d. 1'he sum of$5,000.00 to HICKORYTOWN UNITED ME1'HODIST CHURCH; e. T'he sum of$60,000.00 to be divided between my nine(9) grandchildren, share and share alike; £ The sum of$40,000.00 to be divided between my six(6) great gi�andchildren, share and share alike;and g. All the rest,residue and remainder to my five(5)children, KENNETH E. ZEIGLER, JR., LINDA K. DETTCH, ANNA M. ZEIGLER, JOSIAH J. ZEIGLER and ELMER J. ZEIGLER, share and shaze alike. However,when determining the share of ANNA M. ZEIGLER, she is to be charged with receiving the sum of$125,000.00 since she will inherit the home at 4 Eastwood Drive,Carlisle, and I want my children to all be treated equally. 2 Q � • 5. I nominate and appoint JOSIAH J. ZEIGLER and ELMER J. ZEIGLER to be the Co-Executors of this my Last Will and Testament. 6. No person(s) sttall benefit hereunder unless such beneficiary shall survive me by siacg� (60)days. 7. No Co-Executor acting hereunder shall be required to post bond or enter security in this or any other jurisdiction 8. No beneficiary may assign, anticipate or pledge iris or her interest in any income or principal held or distributable hereunder, and no beneficiary's creditors may levy, attach or otherwise reach any such interest. 9. If any person enritled to share in any distribution under the terms of this my Last Will and Testament"becomes an adverse party in any proceeding to contest the probate of tiris Last Will and Testament, such person shall forfeit his or her entire interest inherited hereunder and all provisions in favor of such person shall be declared void and of no effect. The shaze of such person so forfeited shall be distributed as part of the residue pursuant to Paragraph 4 hereof except that if such person is entitled to share in the said residue,that interest shall be distributed proportionately to the other residuary beneficiaries. 3 10. I hereby suggest that my personal representatives retain the services of Irwin & McKnight,P.C.as attorneys in the settlement of my estate. IN WITNESS WHEREOF, I have hereunto set my hand and seal tlris 12�' day of December 2012. ,�.e�1"".�. -'�L �:� (SEAL) TTY . Z� GLER Signed, sealed, published and declared by the above-named Testatrix, as and for her Last Will and Testament, in our presence, who, at her request, in her presence and in the presence of each other have hereunto set our names as subscribing witness,es. rr� � /r r �� S�Gd�? rX. ,X�d'�['� 4 ACKNOWLEDGMENT AND AFFIDAVIT WE, BETTY A. ZEIGLER, KAREN S. NOEL and SHARON L. SCHWALM, the Testatrix and witnesses respectively, whose names are signed to the foregoing inshvment, being first duly swom, do hereby declare to the undersigned authority that the Testatrix signed and executed the instrument as her Last Will and that she had signed willingly, and that she executed it as her free and voluntary act for the purpose herein expressed, and that each of the witnesses, in the presence and hearing of the Testatrix,signed the will as a witness and that to the best of their knowledge the Testatrix was, at that time, eighteen years of age or older, of sound mind and under no constraint or undue influence. � �. ET,�Y'A. ' �IGLER ��. 'KAREN S. NOEL ��,y,., . . �.�� SHARON L. SCHWALM COMMONWEALTH OF PENNSYLVAIVIA : . SS: COUNTY OF CUMBERLAND . Subscribed, swom to and acknowledged before me by BETTY A. ZEIGLER, the Testatrix herein, and subscribed and swom to before me by KAREN S. NOEL and SHARON L. SCIiWALM,witnesses,this 12�'day of December 2012. / � .� �AM � �U6�lSYWANIA Naatl�Seal RogM B.IroYMi.Poomry pu61k C�BIaBOro.Ca�mherlana(b�pity �M�pn EMqres Oct 3,2016 r) VRNNA�M7IONOFNOfAW6 --f��Tf'Y�IJ YU 17�% `� i "<�rL 1'�c; TdFM� �7 l ' �----_�9'�YGUSc�Q Anna List 1 . Three-Piece Bedroom Suit 110.00 2. Dark Wood Table 160.00 3. Wedding Photo 0 30.00 4. Glass Bookcase 60.00 5. Sherbet Set Small/Large 6.00 6. Cake Plate 7.00 7. Salt And Pepper Set 2.00 8. Tooth Pick Holder 2.00 9. Candlestick Holders 5.00 10. Glass Carafe 1 .00 1 l . Pitcher With 2 Glasses 6.00 12. Rose/Gold Plate 3.00 13. Cranberry Dish 2.00 � 14. 12 Piece Eggshell China Set 25.00 15. Vase 4.00 16. Silverware 2.00 17. Creamer/Sugar Set 3.00 18. Pitcher Set 3.00 19. Hall Mirror 1,500.00 Total 1 ,931 .00 Kenneth List 1 . Glass Chest Drawer 50.00 2. Coffee Table 20.00 3. Goblets 6.00 4. Anniversary Set 5.00 5. Relish Dish 2.00 6. Dish With Handles 3.00 7. Glass Claw Table 35.00 8. C'ireen Lamp 22.00 9. Car 11,286.00 Total 11,343.00 Elmer List l . Rod Iron Bed 5.00 2. Blue Lamp 55.00 3. Carnival Ware 18.00 4. Desk 20.00 5. Eight Day Clock 40.00 6. Silver Sugar Creamer 4.00 7. Punch Bowl 5.00 8. More Carnival Ware 10.00 9. Etched Tumblers 2.00 Total 178.00 Jay List 1 . School Desk 145.00 2. Dining Room Suit 375.00 3. Tooth Pick Holder 2.00 4. Candy Dishes 6.00 5. �Iurrican Candles Holders 4.00 6. Glass Dish 5.00 _ 7. China Set 22 8.00 8. Coffee set of 12 12.00 'Total 557.00 Linda I,ist 1 . Washstand 25.00 2. High Drawer 75.00 3. Drop Leaf Table 75.00 4. Kerosene Lamp 7.00 5. Compote 9.00 6. Sherbet Set Small/Large 6.00 7. Cake Plate 12.00 8. Salt and Peper Set 2.00 9. Glass Carafe 1 .00 10. IZed Bowl 3.00 Total 215.00 � APPRAISAL REPORT 1301 W. TRINDLE ROAD CARLISLE, PA 17015 PREPARED FOR THE ESTATE OF BETTY A. ZEIGLER BY SUSAN B. BURKIiOLDER DIVERSIFIED APPRAISAL SERVICES 35 EAST HIGH STREET, SUITE 101 CARLISLE, PENNSYLVANIA 17013-3052 (717)249-2758 � A SUMMARY OF IMPORTANT FACTS AND CONCLUSIONS LOCATION: 1301 W. Trindle Road Cazlisle, Pennsylvania TAX PARCEL NUMBER: 38-09-0537-012 &22-09-0537-015 IMPROVEMENTS: Two-story detached single-family dwelling on 75.09 acres. PROPERTY RIGHTS: Fee simple interest. OWNERSHIP HISTORY: The subject property is owned by The estate of Betty A Zeigler. The property was purchased on12/31/1986 for a reported consideration of$1.00 and ownership transfeaed as part of Deed Book 32K Page 750 SCOPE OF THE ASSIGNMENT: The scope of the assignment included an analysis of the subject's area, an inspection of the subject property, an estimation of the property's highest and best use, consideration of ali three approaches to value, and the application of those relevant to the valuation of the subject. OBJECTNE: To estimate the market value of the subject property as unencumbered. EFFECTIVE DATE: As of January 8, 2013 HIGHEST AND BEST USE: Continued use as a farm. COST APPROACH: N.A. SALES APPROACH: $514,000 INCOME APPROACH: N.A. FINAL VALUE CONCLUSION: $514,000 2 .. APPRAISAL CERTIFICATION 1 hereby certify that upon application for valuation by: The Estate of Betty A Ieigler the undersigned personally inspected the following described property: All that certain piece or parcel of land, with the improvements thereon erected, situate in Silver Springs Township, Cumberland County, Pennsylvania, bounded and described as follows: BEGINNING at a point, being the intersection of the center lines of Trindle Road (Pa Route No. 641; thence by the center line of the latter road, North 4 degrees West, 870 feet to the point oat line of land now or formerly of Leonard W. Tritt; thence by the latter land North 88 degrees 30 minutes East, 175 feet to a point thence; still by the same, North 4 degrees West 120 feet to a point on line of land now or formerly of W. Wayne Tritt; thence by line of land now or formerly of Emmanuel Spear, North 88 degrees 30 minutes East, 2392.4 feet to a point in the center line of Township Road T-575; thence by said center line, south 4 degrees 30 minutes West, 1069.20 feet to a point in the center line of Pennsylvania Highway No. 641; thence by said center line along the Silver Spring Township Line, West 1,229.25 feet to a point; thence by line of land now or formerly of A. Clazk, South 12 degrees East, 937.2 feet to a stone; thence by line of land now or formerly of Sophia Pickes, south 81 degrees 30 minutes West 1,250.70 feet to a point on the centerline of Legislative Route No. 21028; thence by said center lines, North 11 degrees 30 minutes West, 686.540 feet to a stone; thence s611 by the same, North 3 degrees 30 minutes West, 338.25 feet to the place of BECiINNING. CONTAINING 75.09 acres per courthouse records. To the best of my knowledge and belief the statements contained in this report are true and correct, and that neither the employment to make this appraisal nor the compensation is contingent upon the value reported, and that in my opinion the Market VaAue as of, 2012 is: THOUSAND DOLLARS $514,000 3 The property was appraised as a whole, subject to the contingent and limiting conditions outlined herei�. ��G��CJ`2'Ss�-�"�' � Susan B. Burkholder Certified Residential Appraiser RL-000659-L 4 INTENDED USE OF THE APPRAISAL The intended use of this appraisal is to estimate the Market Value of the subject property as of, 2012. Market Value is defined as the most probable price which a property should bring in a competitive and open mazket under all conditions requisite to a fair sale, ihe 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 ro buyer under conditions whereby: a. Buyer and seller are typically motivated. b. Both parties are well informed or well advised, and each acting in what he considers his own best interest. c. A reasonable time is allowed for exposure in the open mazket. d. Payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto. e. The price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions granted by anyone associated with the sale. Source: Office of the Comptroller of the Currency, 12 CFI §34.42(fl. HIGHEST AND BEST USE Highest and Best Use is defined by the Appraisal Terminology and Handbook, published by the Appraisal Institute, as "the most profitable likely use to which a property can be puP'. The opinion of such use may be based on the highest and most profitable continuous use to which the proper[y is adapted and needed, or likely to be in demand, in the reasonable neaz future. However, elements affecting value that depend upon events or a combination of occunences which, while within the realm of possibility„aze not fairly shown to be reasonably probable, should be excluded from consideration. Also, if the intended use is dependent on an uncertain act of another person, the intention cannot be considered. Based on che above definition and after seeing the site, neighborhood, and area, it is my opinion that the present use of the subject is its Highest and Best Use. 5 SITE DATA ADDRESS: 1400 W. Trindle Road, Carlisle, PA 17015 TOWNSHIP: SilverSprings COIJNTY: Cumberland STATE: Pennsylvania LOT SIZE: 75.09 acres SEWERS: On-site septic system. WATER: On-site well. ELECTRiCITY: PP&L LANDSCAPING: Typical for the azea, with a sodded lawn, trees and shrubs. DETRIMENTAL INFLUENCES None. Pride oF ownership is evident throughout the neighborhooc�. DESCRIPTION OF IMPROVEMENTS GENERAL DESCRIPTION: Two-story detached single-family dwelling containing approxi- mately 1,914square feet of gross living area above grade. The interior information was obtained from courthouse records and the owners. CONDITION: Exterior: Average Interior: Unknown ROOMS: First Floor: Living room, kitchen, family room Second Floor: 4 bedroom, full bath Basement: Partial EXTERIOR: Foundation: Stone Walls: Brick Sash: Wood Gutters: Aluminum 6 Roof: Metal Storm units: Storm sash HEATING: Forced hot air Oil OTHER: 22' X 28' detached garage, 14' X 60' silo and a 42' X 56 metal pole barn GENERAL CONDITION: All improvements are considered to be in fair to average condition on the exterior, with mechanical systems appearing to be adequate and fianctioning properly. 7 THE APPRAISAL PROCESS Three approaches to value are generally included in an appraisal report. These techniques include the cost approach, sales comparison approach, and income approach to value. The cost approach to value is based on the assumption thai the reproduction cost of a building plus land value, tends to set the upper limit to value. A key assumption is that a newiy constructed building would have advantages over the existing building, therefore an evaluation focuses upon disadvantages or deficiencies (depreciation) of the existing building compared to a new facility. Due to the age of the subject improvements, the cost approach is considered to be inappropriate and has, therefore, not been included in the development of this appraisai report. The sales compazison approach to value assumes that under normal conditions, a given number of parties acting intelligently and volmitarily, tend to set a pattern from which value can be estimated. Application of this approach relies on a comparison of the subject with a sufficient number of recent transactions of comparable properties in the market, based on a common unit, such as price per square foot of building azea. The income approach concerns itself with present worth of the future potential benefits of a property. The initial estimate involves the net income, which a fully informed person is justified in assuming the property will produce during its remaining useful life. This estimated net income is then capitalized into a value estimate, based upon the leve] of risk as compared with that of a similar type and class. Since homes similaz to the subject aze not typically utilized as income-producing investment properties, the income approach to value is considered to be inappropriate and has, therefore, not been included in the development of this appraisal report. 8 SALES COMPARiSON APPROACH ln arriving at this conclusion of the value of the subject property, the appraiser made a survey of properties that have sold in the area of the su6ject property. Consideration was given and adjusunents were made on each comparable sale as to time of sale, size, location, as well as all other factors that might affi;ct value. A resume of some of the sales considered by the appraiser is as follows: SALE NO. 1: Location: 978 Park Place, Mechanicsburg, PA 17055 Date of Sale: 4l14/2011 Sale Price: $777,000 Size: 105.72 acres Unit Price: $7,350 per acre SALE NO. 2: Location: 264 N Middlesex Rd Road, Cazlisle, PA 17015 DaCe of Sale: 11/07/2Q11 Sale Price: $610,000 Size: 82.09 acres Unit Price: $ 7,431 per acre SALE NO. 3: Location: 410 Heisey Road, Mechanicsburg, PA 17055 Date of Sale: 07/27/2010 Sale Price: $650,000 Size: 100.5Q acres Unit Price: $ 6,468 per acre The appraiser, in addition to the sales listed, also considered several additional sales in arriving at his final opinion of value. On the Sales Comparison Analysis form that follows this page are dollar adjustments reflecting market reaction to those items af significant variation between the subject and comparable properties. If a significant item in the compazable property is superior to, or more favorable than, the subject property, a minus (-) adjustment is made, thus reducing the indicated value of the subject; if a significant item in the compazable is inferiar to, or less favorable than, the subject property, a plus (+) adjustment is made, thus increasing the indicated value of the subject. Afrer making all of the necessary adjustments, it is the appraiser's considered opinion that the indicated value of the subject property by the Sales Comparison Approach is $514,QQ0. 9 SALES COMPARISON ANALYSIS ITEM SUBJECT COMPARABLE #1 COMPARABLE #2 COMPARABLE #3 1301 W.Trirtdle Rd 978 Park Place 2b4 N Middlesez Road 410 Heisey Road Address Mechanicsburg Mechanicsburg Cadisle Mechanicsburg Prozimity Io Subjeci ��'� n�",` 3]6 miles 522 miles 2.04 miles Sale Price �N.A " y�'�"�-'��. $ 777,000 '�"�{ $b10,000 C i'�� 'kf k V650��QQ Price/Sq.Fi.GLA N.A. $277.50 fiy:, .r $330.09 $240.74 Da[a Source Inspec6on Courthouse and Buyer Courthouse Courthouse&Files ADJUSTMENTS DESCRIPTION DESCRfPTIQN $ Adjust DESCRIPTION $Adjust. DESCRIPTION $Adjust. Sales or Finencing Concessions � ` None k�wwn None known None known DateofSale/Time Asof � 04/042011 II(07@OII 07/27R010 Location Average Average Average Average Site 1 View �5.09 acres 10572 acres -153,200 82.09 acres -35,000 IOO.SO acres -127,100 Design and Appeal Colonial Colonial Colonial Cobnial Construction Brick BricWFrame Frame 5,000 Aluminum siding 5,000 Age 90years 1 U yenrs 11 I years 130 years Condition Fairtoaverage Averege -3Q000 Similar Average -3Q000 . Above Grade Tol. Bed. Bath ToL Bed. Barh Tot Bed. Bath Tot Bed. Bath Room Coum � 4 � 9 q �,5 -5,0�0 6 3 1 2,000 6 3 2.5 1,000 Gross Living Area 1,914 square feet 2800 syuare teei 46,600 1845 syuare feet 2,700 square feet -23,600 Basement&Finished Rooms Below Grade Vanial bnsemenl Panial baseinem Panial basemen[ Pull basement -5,000 - Functional Ulilit Avera e Similar Similar Similar Heatin /Coolin Fha0i1 Hotwater0il FhaElectric HotwaterOil - Gara e/C on 2-car ara e None I Q000 2-car ara e 2-car e Porches,Pa[ias Porch 3 porcha Porch,endosed Poreh,enclosed Pools,etc. atio I,000 Porch -'I.,000 Porch, ool -IQ000 Special Energy Typical for the Efficient Items re iun. Similar Similar Similar Fire lace(s) None Nane None Fire lace Other(e.g.kitchen Power lines None 38,900 Power Iines d0500 Power lines 32,500 equip.,remodeling) Outbuilding&silo Outbuildings -2Q000 Ou[buildings Oul6uildings Ne[Ad'. total) -262,700 -6Q000 -222,200 Indicated Value - of Sub'ec� $514,300 $550,000 $427,800 FINAL INDICATED VALUE OF SUBJECT PROPERTY: $514,000 10 CORRELATION Correlation may be defined as "the bringing together of parts in a proper relationship." The parts of this appraisal report are the following approaches to value your appraiser used: Value Indicated by Cost Approach N.A. Value lndicated by Sales Comparison Approach $514 000 Value Indicated by Income Approach N.A. These approaches are representative of the mazket value of the subject property. I have carefully reexamined each step in each method, and I believe the conclusions accurately reflect the attitude of typical purchasers of this type property in this neighborhood. It is my belief that this reexamination has confirmed the original conclusions. The Cost Approach will result in an excellent estimate if all elements are figured accurately, because no prudent person will pay more for a property than the cost to produce a substitute property with equal desirability and utility. Purchasers of the type of dwelling typical of the subject property are more concemed with amenities than with hypothetical replacement of the property. Due to the age of the subject improvements, the Cost Approach is considered to be inappropriate and has not been included in this appraisal report. The Sales Compazison Approach was based on several recent sales of properties similaz to that of the subject, all of which are located in the same general area. The adjusted sales prices are most consistent under comparison. This approach is the most reliable because it reflects ihe reactions of typical buyers and sellers in the market. The Income Approach is most applicabte to income producing properties or properties that are primazily utilized for income producing purposes. Purchasers of income producing propeRies are willing to pay no more for a particular property than the net operating income will support. Since the majority of properties similar to the subject aze not utilized for income producing purposes, this approach to value has not been included in this appraisal report. Therefore, as a result of this appraisal and analysis, it is this appraiser's considered judgment and opinion that the Market Value of the subject property, as of January 8, 2012, is: FIVE HUNDRED FOURTEEN THOUSAND DOLLARS $514,000 11 UNAERLYINC ASSUMPTIONS AND LIMITING CONDITIONS SUBJECT TO THIS APPItAISAL l. I assume no responsibility for matters legal in nature, nor do I render any opinion as to the title, which is assumed to be marketable. The property is appraised as though under responsible ownership. 2. The legal description used herein is correct. 3. 1 have made no survey of the property, and the boundaries are taken from records believed to be reliable. 4. 1 assume that there are no hidden or unappazent conditions of the property, subsoil or structures which would render it more or less valuable. I assume no responsibility for such conditions or for engineering which might be required to discover such factors. 5. The information, estimates, and opinions furnished to me and contained in this report were obtained from sources considered reliable and believed [o be true and correct. However, no responsibility for accuracy can be assumed by me. 6. This reporl is to be used in its entirery and only for the purpose for which it was rendered. 7. Neither all nor any part of the contents of this report (especially any conclusions as to value, the identity of the appraiser ar the firm with which he is connected) shall be reproduced, published, or disseminated to the public through advertising media, public relations media, news media, sales media, or any other public means of communication, without the prior written consent and approval of the appraiser. 8. This appraisal was prepared for the exclusive use of the client identified in this appraisal report. The information and opinions contained in this appraisal set forth the appraiser's best judgment in light of the information available at the time of the preparation of this report. Any use of this appraisal by any other person or entity, or any reliance or decisions based on this appraisal are tkte sole responsibiliry and at the sole risk of the third party. The appraiser accepts no responsibility for damages suffered by any third party as a result of reliance on or decisions made or actions taken based on this report. 12 CERTIFICATE OF APPRAISAL Your appraiser hereby certifies that: 1. The statements of fact contained in this report are true and correct. 2. The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions, and aze my personal, impartial, and unbiased professional analyses, opinions, and conclusions. 3. I have no present of prospective interest in the property that is tlie subject of this report, and no personal interest with respect to the parties involved. 4. 1 have no bias with respect to the property that is the subject of this report or to the parties involved with this assignment. 5. My engagement in this assignment was not contingent upon cieveloping or reporting predetermined results. 6. My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. 7. 'I'o the best of my knowledge and belief, the statements of fact contained in this appraisal report, upon which the analyses, opinions, and conclixsions expressed herein are based, are true and correct. 8. This appraisal report sets forth all of the limiting conditions (imposed by the terms of my assignment or by the undersigned) affecting the analyses, opinions, and conclusions contained in this report. 9. This appraisal report has been made in conformity with the Uniform Standards of Professional Appraisal Practice adopted by the Appraisal Standazds Boazd of the Appraisal Foundation, and is subject to the requirements of the Code of Professional Ethics and Standards of Professional Conduct of the National A�ssociation of Realtors Appraisal Section. 13 ]0. No one other than the undersigned prepared the analyses, conclusions, and opinions concerning real estate that are set forth in this appraisal report. ��`��%�� Susan B, Burkholder Certified Residential Appraiser RL000659L 14 PRIVACY NOTICE Pursuant to the Gramm-Leach-Billey Act of 1999, effective July 1, 2001, appraisers, along with all providers of personal financial services aze now required by federal law to inform their clients of the policies of the firm with regard to the privacy of client nonpublic personal information. As professionals, we understand that your privacy is very important to you and are pleased to provide you with this information. In the course of performing appraisals, we may collect what is krtown as "nonpublic personal information" about you. This information is used to facilitate the services that we provide to you and may include the information provided to us by you directly or received by us from others with your authorization. We do not disclose any nonpublic personal information obtained in the course of our engagement with our clients to nonaffiliated third parties, except as necessary or as required by law. By way of example, a necessary disclosure would be to our independent contractors, and in certain situations, to unrelated third party consultants who need to know that information to assist us in providing appraisal services to you. All of our independent contractors and any third party consultants we engage are informed that any information they see as part of an appraisal assignment is to be maintained in strict confidence within the firm. A disclosure required by law wouid be a disclosure by us that is ordered by a court of competent jurisdiction with regard to a legal action to which you aze a party. , We will retain records relating to professional services that we have provided to you for a reasonable time so that we are better able to assist you with your needs. In order to protect your nonpublic personal information from unauthorized access by third parties, we maintain physical, electronic and procedural safeguards that comply with our professional standazds to insure the security and integrity of your information. 15 SUSAN B. BURKHOLllER REAL ESTATE APPRAISER EXPERIENCE: 1991-Present: StaffAppraiser, Diversified Appraisal Services, Carlisle, Pa. 1987-Present Sales Agent, LaRue Development Company, Carlisle, Pa. Appraisal experience included undeveloped land, farms, building bts, single-family dwellings and two[o four unit apartment buildings. EDUCATION: Diploma,Carlisle Seniur High School, 1975. Standards of Professional Practice, Pennsylvania REALTORS Institutu. Real Estate Analysis, Pennsylvania REALTORS Institute. Cost& Income Approaches, Pennsylvania REALTORS Institute. Real Estate Law, Education Division of Don Paul Shearer, Inc. Appraisal Standards& Ethics, Pennsylvania REALTORS lnstitute Real Estate Finance, The Real Estate School of York County Board of REALTORS Report Writing and Valuation Analysis, Education Division of Don Paul Shearer, Inc. Land Valuation & Development, Education Division of Don Paul Shearer, Inc. PROFESSIONAL LICENSES: Residential Appraiser#RL-000659-L, Commonwealth of Pennsylvania.. Real Estate Salesperson #RS-159507-A, Commonwealth of Pennsylvar�ia. PROFESSIONAL ORGANIZATION AFFILIATIONS: Greater Harrisburg Association of Realtors. Pennsylvania Association of Realtors. National Association of Realtors. _ Realtors National Marketing Institu[e. PAST CLIENTS: Borough of Carlisle American Home Bank Keystone Financial Mortgage Trans Union Cornerstone Federal Credit Union M&T Mortgage Corporation Pennsylvania State Bank Cody Financial Mortgage Services Commerce Bank Waypoint Bank Cumberland-Perry Association for Retarded Citizens Northwest Savings Bank Orrstown Bank Executive Relocation Services Members ls' Federal Credit Union Adams Counry National Bank Pennsylvania National Bank Countrywide Home Loans Evans Financial Corporation ERA Eastern Regional Services Pennsylvania State Employees Credit Union F&M Trust Company National City Mortgage Corporation Washington Mutual Home Loans, Inc. Prudential Relocation Services Market Intelligence, Incorporated Lenders Service Cornerstone Federal Credit Union GMH Mortgage 16 PHOTOGRAPHS OF THE SUBJECT IMPROVEMENTS 1 .. �� . o n, \\ . � � r _� ��-�r . + } V'� ' � - '��.. . ��.�. . .. ' ._ `!� � •- �� /J �� . �"'C .-,�... `,, C r�� F� �:c_.. 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T 1 � 0 1 'i�'� hi� `�d�; !�� f.. ��:�� 5i1 �� r q � � ntu � n �Ij1�A �' ��'�, � unMan _ � . Q� e� �i , � - �� , ��rwi'�w �' E�� - � a+?'�� ' ��?1 �^� � ,A!•` �' ;i�.�'\F ��; a�iuo- - � „�:a�� `� �'�� +N.m�y i „e�� i4 ' �j�G:� �1�I��a�e � �� . y � ¢ t,e.F�aa�ce'a�p�� . , ,v��- ! e,E� �� ah .�,>��"�.. .. . ..u� .. - . � .�,� .� COMPARABLE SALE NO. 1 � �' ' � ;1 �� v' € I a� � �'� 4 �� " a�� ,. , � � �.: �, r r, ., , `�" .: c ��'r� -� f,r,' '� r I} '� : . .� d•'X � , i .� t J �ae -� � 34� � � ��. �•i�ky� ,�: i � � � i� g� �- . �'�`�°"��_#° , ��^' ,, _ .� ' �h �' k�i��; .. 1� .u,� .,; . ,._ , � COMPARABLE SALE NO. 2 , \ . � _ � �., .. � �; .:: 19 COMPARABLE SALE NO. 3 af'1� � ' � �� , . 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( cili�1caic I��a � CIU�IC:IIf SIJIIH �� Certified Residential Appraiser A��, e . h�i�ial ( crliliraiiuu Uaic - SUSANB BURNHOL�ER �Z��z��99� � ( crl�lit'ale 15 EAST H!GH STREET � �i - CARLISLE PA 77017 � RL000659L I�:�pir:uiun Ua�� O6/3012013 �i _ . L �^ �. � �...*ti�- ��.w-a_ y�. iLriJ.. �. �i�'=� _ir. ."" �,c '4 . � ., _ _ . . . . �i .-..k . . . � 22 APPRAISAL REPORT 1400 W. TRINDLE ROAD CARLISLE, PA 17015 PREPARED FOR THE ESTATE OF BETTY A. ZEIGLER BY SUSAN B. BURKIIOLDER DIVERSIFIED APPRAISAL SERVICES 35 EAST HIGH STREET, SUITE 101 CARLISLE, PENNSYLVANIA 17013-3052 (717) 249-2758 �� SUMMARY OF IMPORTANT FACTS AND CONCLUSIONS LOCATION: 1400 W. Trindle Road Ca��lisle, Pennsylvania TAX PARCEL NUMBER: 38-09-0535-001 IMPROVEMENTS: Two-story detached single-family dwelling on 80.36 acres. PROPERTY RIGHTS: Fee simple interest. OWNERSHIP HISTORY: The subject property is owned by The estate of Betty A Zeiglec The property was purchased on12/31/1986 for a reported consideration of$1.00 and ownership transferred as part of Deed Book 32K Page 750 SCOPE OF THE ASSIGNMENT: The scope of the assignment included an analysis oF the subject's area, an inspection of the subject property, an estimation oF the property's highest and best use, consideration of all three approaches to value, and the application of those relevant to the valuation of the subject. OBJECTIVE: To estimate the market value of the subject property as unencumbered. EFFECTIVE DATE: As of January 8, 2013 HIGHEST AND BEST USE: Continued use as a fann. COST APPROACH: N.A. SALES APPROACH: $653,000 INCOME APPROACH: N.A. FINAL VALUE CONCLUSION: $653,000 2 , APPRAISAL CERT[FICATION 1 hereby certify that upon application for vatuation by: The Estate of Betty A 'Leigler the undersigned personally inspected the following described propeRy: All that certain piece or parcel of land, with the improvements thereon erected, situate in Silver Springs Township, Cumberland County, Pennsylvania, bounded and described as follows: TRACT NO. 1: Beginning at a nail in the center line of the Trindle Spring Road and at corner of land conveyed to the Carlisle Fish a�d Game Association by Joshiah J. Zeigler on November 29, 1969; thence by latter land South 21 degrees 32 minutes 12 seconds East, 34532 feet to a post, thence by others property of said Joshiah J. Zeigler , South 66 degrees East, 2,540.25 feet to a point on line oF now or formerly owned by John Quigley's Estate; thence by the latter land North 64 degrees 15 minutes east 628.6 feet to a stone; thence by line of land now of formerly of Calvin Shughart., North 23 degrees 30 minutes West 2734.05 feet to a stone; thence by a line of land now or formerly of Mrs. Earl Davis, South 89 degrees West 1,866.15 feet to a point at the northeastern comer pf ;a�d known as Jay Ridge Manor; thence by the latter land, South 0 degrees 126 minutes 13 seconds West, 150 feet to a point; thence by the same, North 89 degrees 43 minutes 47 seconds West, 14.62 feet to a point; thence by the same, South 17 degrees West, 127638 feet to a point; thence by the same, South 73 degrees East, 200 feet to a point; thence by the same, South 17 degrees West, 271.83 feet to a point on the Trindle Spring Road; thence North 44 degrees 15 minutes East 24.75' to stones; thence South 63 degrees 30 minutes East 272 feet to a point in the center line of said road; thence by said centerline South 88 degrees 08 minutes East 282.22 feet; thence by the same, South 89 degrees 33 minutes East 270.48 feet to the Place of BECINNING. CONTAINING 8036 acres per courthouse recorda �. To the best of my knowledge and belief the statements contained in this report are true and conect, and that neither the employment to make this appraisal nor the compensation is 3 , contingent upon the value reported, and that in my opinion the Market Value as of January 8, 2012 is: SIX HUNDRED FIFTY THREE THOUSAND DOLLARS $653,000 The property was appraised as a whote, subject to the contingent and limiting conditions oudined herein. ,��.��- Susan B. Burkholder Certified Residential Appraiser RL-000659-L 4 INTENDED USE OF THE APPRAISAL The intended use of this appraisal is to estimare the Market Value of the subject propeny as of, 2012. Market Value is defined as the most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: a. Buyer and seller are typically motivated. b. Both parties are well informed or well advised, and each acYing in what he considers his own best interest. c. A reasonable time is allowed for exposure in the open mazket. d. Payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto. e. The price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions granted by anyone associated with the sale. Source: Office of the Comptroller of the Currency, 12 CFI §34.42(�. HIGHEST AND BEST USE Highest and Best Use is defined by the Appraisal Termi�alogy and Handbook, published by the Appraisal Institute, as "the most profitable likely use to which a property can be put". The opinion of such use may be based on the highest and most: profitable continuous use to which the property is adapted and needed, or likely to be in demand, in the reasonable near future. However, elements affecting value that depend upon events or a combination of occurrences which, while within the realm of possibility, aze not fairly shown to be reasonably probable, should be excluded from consideration. Also, if the intended use is dependent on an uncertain act of another person,the intention cannot be considered. Based on the above definition and atter seeing the site, neighborhood, and azea, it is my opinion that the present use of the subject is its Highest and Best Use. 5 SITE DATA ADDRESS: 1400 W. Trindle Road, Carlisle, PA 17015 TOWNSHIP: Silver Springs COIJNTY: Cumberland STATE: Pennsylvania LOT SIZE: 80.36 acres SEWERS: On-site septic system. WATER: On-site well. ELECTRICITY: PP&L LANDSCAPING: Typical for the area, with a sodded lawn, trees and shrubs. DETRIMENTAL INFLUENCES None. Pride of ownership is evident throughout the neighborhood. DESCR1PT10N OF IMPROVEMENTS GENERAL DESCRIPTION: One-story detached single-family dwelling containing approxi- mately 2,496 square feet of gross living azea above grade. CONUITION: Exterior: Average Interior: Average ROOMS: First Floor: Living room, family room, dining ruom, kitchen .5 bath Second Floor: 4 bedroom, full bath Basement: Partial EXTERIOR: Foundation: Stone Walls: Brick/Stone Sash: Wood Gutters: Aluminum,painted. Roof: Metal Storm units: Insulated windows 6 INTERIOR, PRINCIPAL ROOMS: Flooring: Carpet, wood Walls: Plaster Ceilings: Plaster Trim: Wood KITCHEN: Cabinets: Wood Counters: Formica Walls: Plaster Floorii�g: Vinyl Sink: Double-bowl, stainless steel. BATHROOM: Flooring: Vinyl Walls: Drywall Bathtub: Built-in, witb shower. HEATING: Forced hot air Oil OTHER: 50' X 90' bank bark, 18' X 24' milk house 20' X 54' livestock building, 14' X 32' livestock building, 20' X 32' livestock building, 18' X 30' livestock building, two silos, corn crib with shed, SO' X 100' machine shed' 14' X 14' shed, 22' X 26' gazage, wood burning stove. GENERAL CONDITION: All improvements aze considered to be in average condition on the interior and on the exterior, with mechanical systems appearing to be adequate and functioning properly. There is no heat on the second floor of the home. 7 THE AYPRAISAL PROCESS Three approaches to value are generally included in an appraisal report. These techniques include the cost approach, sales comparison approach, and income approach to value. 1'he cost approach to value is based on the assumption that the reproduction cost of a building plus land value, tends to set the upper limit to vatue. A key assumption is that a newly constructed building would have advantages over the existing building, therefore an evaluation focuses upon disadvantages or deficiencies (depreciation) of the existing building compazed to a new facility. Due to the age of the subject improvements, the cost approach is considered to be inappropriate and has, therefore, not been included in the development of this appraisal report. The sales comparison approach to value assumes that under normal conditions, a given number of parties acting intelligently and voluntazily, tend to set a pattem from which value can be estimated. Application of this approach relies on a compazison of the subject with a sufficient number of recent transactions of compazable properties in the market, based on a common unit, such as price per square foot of building azea. The income approach concems itself with present worth of the future potential benefits of a property. The initial estimate involves the net income, which a fully informed person is justified in assuming the property will produce during its remaining useful life. This estimated net income is then capitalized into a vatue estimate, based upon the level of risk as compared with that of a similaz type and class. Since homes similar to the subject aze not typically utilized as income-producing investment properties, the income approach to value is eonsidered to be inapprbpriate and has, therefore, not been included in the development of this appraisa] report. 8 SALES COMPARiSON APPROACH In arriving at this conclusion of the value of the subject property, the appraiser made a survey of properties that have sold in the azea of the subject property. Consideration was given and adjustments were made on each comparable sale as to time of sale, size, location, as well as all other factors that might affect value. A resume of some of the sales considered by the appraiser is as follows: SALE NO. 1: Location: 978 Park Place, Mechanicsburg, PA 17055 Date of Sale: 4/14/2011 Sale Price: $777,000 Size: ]05.72 acres Unit Price: $7,350 per acre SALE NO. 2: Location: 264 N Middlesex Rd Road, Carlisle, PA 17015 Date of Sale: 11/07/2011 Sale Price: $610,000 Size: 82.09 acres Unit Price: $ 7,431 per acre SALE NO. 3: Location: 410 Heisey Road, Mechanicsburg, PA 17055 Date of Sale: 07/27/2010 Sale Price: $650,000 Size: 100.50 acres Unit Price: $ 6,468 per acre The appraiser, in addition to the sales listed, also considered several additional sales in arriving at his final opinion of value. On the Sales Comparison Analysis form that follows this page are dollaz adjustments reflecting market reaction to those items of significant vaziation between the subject and compazable properties. If a significant item in the compazable ' property is superior to, or more favorable than, the subject property, a minus (-) adjustment is made, thus reducing the indicated value of the subject; if a si�ificant item in the comparable is inferior to, or less favorable than, the subject property, a plus (+) adjustment is made, thus increasing the indicated value ofthe subject. After making all of the necessazy adjustments, it is the appraiser's considered opinion that the indicated value of the subject property by the Sales Comparison Approach is $653,000. 9 SALES COMPARISON ANALYSIS ITEM SUBJECT COMPARABLE #I COMPARABLE #2 COMPARABLE #3 1400 W.Trindle Rd 978 Park Place 264 N Middlesex Road 410 Heisey Ruad Address Carlisle Mechanicsburg Carlisle Mechanicsburg Proximity lo Subjecl '"+" 4.35 iniles 4.77 miles 3.35 miles Sale Price N.A.�: .. r3,'«�.€� ;:; ��2'-g.,' $ 777,000 .,. $61 Q 000 � $650,000 Price/Sq.Ft.GLA N.A. $277.50 1,'�.." $330 09.�-�:.. $240J4 Da�a Source Inspection Courthouse and Buyer� Courthouse Courthouse&Files ADJUSTMENTS DESCRI!'TION DESCRIPTION $ Adjusl DESCRIPTION $Adjust. DESCRIPTION $Adjust. SalesorFinanwng �:�� ''w�'^��*1 : Concessiuns ty. , ' Nune known None known None known Date of Sale/Time �AS uf � � � pq/04201 I I 1/OD201 I 07/27/2010 Location Average Average Average Average Site/View 80.36 acres I OSJ2 acres -126,800 82.09 ncres -8,700 100.50 acres -100,700 Design and Appeal Colonial Colonial Colonial Cobnial Cons[mclion BricWStone 6rick Frame ID,000 Aluminumsiding IQ000 Age 162 years I 13 years I 1 I years 130 years Condi[ion Average Average Fairtoaverage 61,000 Average Above Grade Tot. Bed Bath Toi. 6ed. Bath To�. Bed. Bath Tot. Bed. Bath Room Coum 8 4 I.5 9 4 I.5 -2,000 6 3 1 5,000 6 3 2.5 2,000 Gross Living Arca 2,496 square feei 2800 square fect -9,100 I S48 syuare feet I'),400 2,700 square @e� 6,100 . Basement&FinisheJ Rooms Below Grade ParGul baseinent Partial basemenl Panial basemenl Full basemem -5,000 �- Func[ional Utilit Avera e Similar Similar Similar Heatin /Coolin FhaOil Ho[wa[erOil FhaElectric Ho[waterOil � Gar e/C on 2-car ara e None 10,000 2roar ara e 2-car ara e Porches,Palios Porch,sun porch, 3 porches Porch,enclosed Porch,enclosed Pools,elc. Balcon 3,000 Porch 2,000 Porch, ool -5,000 Special Energy Typical forthe E�cient Items re i�n. Similui Similar Similar Fire lace(s Woud stove None I,000 None N,000 Fire lace O[her(e.g.kilchen equip.,remodeling) Barn&ou[buildings Barn&outbuildings Ou[buildings 2(1,000 Ou[buildings 20,000 Net Ad'.(to�ap ' '"�'��- - 123,900 +109,700 Indicated Value -72,600 - ofSub�ect $653,100 $719,700 $577,400 FINAL INDICATED VALUE OF SUBJECT PROPERTY: $653,000 10 CORRELATION Correlation may be defined as "the bringing together of parts in a proper relatiopship." The parts of this appraisal report are the following approaches to value your appraiser used: Value Indicated by Cost Approach N.A. Value Indicated by Sales Comparison Approach $653,000 Value fndicated by lncome Approach N.A. T'hese approaches are representative of the mazket value of the subject property. 1 have cazefully reexamined each step in each method, and I believe the conclusions accurately reflect the attitude of typical purchasers of this type property in this neighborhood. It is my belief that this reexamination has confirmed the original conclusions. The Cost Approach will result in an excellent estimate if a1P. elements are figured accurate(y, because no prudent person will pay more for a property tha�i the cost to produce a substitute property with equal desirability and utility. Purchasers of the type of dwelling typical of the subject property are more concemed with amenities than with hypothetical replacement of the property. Due ro the age of the subject improvements, the Cost Approach is considered to be inappropriate and has not been included in this appraisal report. The Sales Comparison Approach was based on several recent sales of properties similar to that of the subject, all of which aze located in the same general azea. The adjusted sales prices are most consistent under comparison. This approach is the most reliable because it reflects the reactions of typical buyers and sellers in the mazket. The Income Approach is most applicable to income producing properties or properties that are primazily utilized for income producing purposes. Purchasers of income producing properties aze willing to pay no more for a particulaz property than the net operating income will support. Since the majority of properties similaz to the subject are ciot utilized for income producing purposes, this approach to value has not been included in this appraisal report. Therefore, as a resul[ of this appraisal and analysis, it is this appraiser's considered judgment and opinion that Ihe Market Value of the subject property, as of January 8, 2013 is: SIX HUNDRED FIFTY THREE THOUSAND DOLL,ARS $653,000 ] 1 UNDERLYINC ASSUMPTIONS AND LIMITING CONDITIONS SUBJECT TO THIS APPRAISAL l. I assume no responsibility for matters legal in nature, nor do I render any opinion as to the title, which is assumed to be marketable. The property is appraised as though under responsible ownership. 2. The legal description used herein is correct. 3. I have made no survey of the property, and the boundazies are taken from records believed to be reliable. 4. I assume that there are no hidden or unapparent conditions of the property, subsoil or structures which would render it more or less valuable. I assume no responsibility for such conditions or for engineering which might be required to discover such factors. 5. The information, estimates, and opinions furnished to me and contained in this report were obtained from sources considered reliable and believed co be true and correct. However, no responsibility for accuracy can be assumed by me. 6. This report is to be used in its entirety and only for the purpose for which it was rendered. 7. Neither all nor any part of the contents of this report (especially any conclusions as to value, the identity of the appraiser or the firm with which he is connected) shall be reproduced, published, or disseminated to the public through advertising media, public relations media, news media, sales media, or any other public means of communication, without the prior written consent and approval of the appraiser. 8. This appraisal was prepared for the exclusive use of the client identified in this apptaisal repoR. The information and opinious contained in this appraisal set forth the appraiser's best judgment in light of the information available at the time of the preparation of this report. Any use of this appraisal by any other person or entity, or any reliance or decisions based on this appraisal aze the sole responsibility and at the sole risk of the third party. "fhe appraiser accepts no responsibility for damages suffered by any third par[y as a result of reliance on or decisions made or actions taken based on this report. 12 CERTlF1CATE OF APPRAISAL Your appraiser hereby certities that: 1. The statements of fact contained in this report are true and correct. 2. The reported analyses, opinions, and conclusions aze limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. 3. I have no present of prospective interest in the property that is the subject of this report, and no personal interest with respect to the parties involved. 4. I have no bias with respect to the property that is the subject of this report or to the parties involved with this assignment. 5. My engagement in this assignment was not contingent upon developing or reporting predetermined results. 6. My compensation for completing [his assignment is not contingent upon the development or repoiling of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. 7. To the best of my knowledge and belief, the statements of fact contained in this appraisal report, upon which the analyses, opinions, and conchisions expressed herein are based, aze true and correct. 8. This appraisal report sets forth all of the limiting conditions (imposed by the terms of my assignment or by the undersigned) affecting the analyses, opinions, and conclusions contained in this report. 9. This appraisal report has been made in conformity with the Uniform Standazds of Professional Appraisal Practice adopted by the Appraisal Standards Board of the Appraisal Foundation, and is subject to the requirements of the Code of Professional Ethics and Standazds of Professional Conduct of the National Association of Realtors Appraisal Section. 13 10. No one other than the undersigned prepared the analyses, conclusions, and opinions conceming reat estate that are set forth in this appraisal report. �� Susan B, Burkholder Certified Residential Appraiser RL000659L 14 PRIVACY NOTICE Pursuant to the Gramm-Leach-Billey Act of 1999, effective July Y, 2001, appraisers, along with all providers of personat financial services aze now required by federal law to inform their clients of the policies of the firm with regazd to the privacy of client nonpublic personal information. As professionals, we understand that your privacy is very important to you and are pleased to provide you with this information. In the course of performing appr�isals, we may cotlect what is known as "nonpublic personal information" about you. This information is used to facilitate the services that we provide to you and may include the information provided to us by you directly or received by us from others with your authorization. We do not disclose any nonpublic personal information obtained in the course oF our engagement with our clients to nonaffiliated third parties, except as necessary or as required by law. By way of example, a necessary disclosure would be to our independent contractors, and in certain situations, to unrelated third party consultants who need to know that information to assist us in providing appraisal services to you. All of our independent contractors and any third party consultants we engage are inforrned that any information they see as part of an appraisal assignment is to be maintained in strict confidence within the firm. A disclosure required by law would be a disclosure by us that is ordered by a court of competent jurisdiction with regard to a legal action to which you are a party. We will retain records relating to professional services that we have provided to you for a reasonable time so that we are better able to assist you with your needs. In order to protect your nonpublic personal information from unauthorized access by third parties, we maintain physica(, electronic and procedural safeguards that comply with our professional standazds to insure the security and integrity of your information. ,_ 15 SUSAN B. BURKHOLDER REAL ESTATE APPRAISER EXPERIENCE: 1991-Present: Staff Appraiser, Diversified Appraisal Services, Carlisle, Pa. 1987-Present Sales Agent, LaRue Development Company,Carlisle, Pa. Appraisal experience included undeveloped land, farms, building bts, single-family dwellings and two to four unit apartment buildings. EDUCATION: Diploma, Carlisle Senior High School, 1975. Standards of Professioiial Practice, Pennsylvania REALTORS Institute. Real Estate Analysis, Pennsylvania REALTORS Institute. Cos[& Income Approaches, Pennsylvania REALTORS Ins[i[ute. Real Estate Law, Education Division of Don Paul Shearer, Inc. Appraisal Standards& Ethics, Pennsylvania REALTORS Institute Real Estate Finance, The Real Estate School of York County Board o1'REALTORS Report Writing and Valuation Analysis, Education Division of Don Paul Shearer, Inc. Land Valuation & Developmen[, Education Division of Don Paul Shearer, Inc. PROFESSIONAL LICENSES: Residen[ial Appraiser#RL-000659-L,Commonwealth of Pennsylvania. Real Estate Salesperson #RS-159507-A, Commonwealth of Pennsylvania. PROFESSIONAL ORGANIZATION AFFILIATIONS: Greater Harrisburg Association of Realtors. Pennsylvania Association of Realtors. National Association of Realtors. Realtors National Marketing Institute. PAST CLIENTS: Borough of Carlisle American Home Bank Keystone Financial Mortgage Trans Union Cornerstone Federal Credit Union M&T Mortgage Corporation Pennsylvania State Bank Cody Financial Mortgage Services Commerce Bank Waypoint Bank Cumberland-Perry Association for Retarded Citizens Northwest Savings Bank Orrstown Bank Executive Relocation Services Members Is' Federal Credit Union Adams County National Bank Pennsylvania National Bank Countrywide Home Loans Evans Financial Corporation ERA Eastern Regional Services Pennsylvania State Employees Credit Union F&M Trust Company National Ciry Mortgage Corporation Washington Mutual Home Loans, Inc. Prudential Relocation Services Mazket Intelligence, Incorporated Lenders Service Cornerstone Federal Credit Union GMH Mortgage 16 � � � � � � ' ' .;r fi� , � 4 I�r:r a ,��,'�, p�,f r��.. � {'�{ � � �rs�tt'� .�,,, �, � ,1 � �e y!�� 7� s,.. -�w�E.�� ,I r r . , .Y� � . i_ i �� , ""'"' "`� �.z�,�.F y L. ? �'. ap� � }5� &3��` il Yl�f s� S�uL j : � .,;�=,,., y �: . y� s �'y-x i ' t r°^Y.n � yw{ � �� r�P�� '� S,�P . � . yJ £ R A�`�v� �'' _ , 's` .3,_vti �;,.� .n� ��;� .��IS�-� 4 ��<4.� t�, s�ro��a`�,'� ♦ ,�'�y,,�:`-"". �.."t�,`�9r°° - °` .;��-:.av.�, �, ;.,� �"� ,� . �,� U, p M� .�� ,ji, ,�, ,r� a;� t _`{'� �! . F,_ �s �-�..-. a'i � v � _ ,�—s. °'.ei . �° �� I.r , . .. i.�pl.�.:. �!i'�� .I � !--�v��€ . . ' -. .�z'y . .�ea— ,.:, .e. �av- I �' :�� ; � i� . � �'p � � ��1 � ��UI� ,q. ' 9�� -� i i � �1 A7� L'/ i ►a �' 'x; t . y. .� � �� '�� o �� . "� � � :y 1 . 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A 3',� � � 5 ...._ F - �,�"�� ' .� � ` ; .�.. � . ,. �• �'� � ty� . r� V � { °»�. ��,_�'��'�' r � ':�-y�'�. .- , i '� ^� �Y �vy��,� '� ` ., _. . . d t. i � i p i6 1 � f�i& i �, , � i _ . I, _,I � t' - . � sw .�� I��.� µ � `� . ..„. ...._. _ f 14��5� � � L . !Y f X � �7 , a �a�a �� n ��al��,� ��1+"/�1 "` �� Ti m'?)r,, gp1 "�F�,��' `F,'�},�� `�f$�f � � m . . . . sF�"ia�'�.``�'�°'! �� .,..,°_<."�k!wt.�'$e!� ��t5 5,.�� . 19 COMPARABLE SALE NO. 1 � � � ��a -�r.� >� ,; b 'F Y �9� L M1�4"h i�fi I� � �C �.yi � � �� 'rJI � �� `�� !~ a y� .�. {,a,4 r �Y+ �;6y� "� � '� Zr: �� 7 : .t. ��..�� . ro, � . $ Rt 1'�. � � � ��jl�'� � 1 t� 'J i�� R't �1 `a . ? �.-- ' . ��-� � �`r l�a 'x��r.:.. � .. �Y" . , � ' � �}� ��,.� . .�. . . , � " ,,�'.Ja{*� COMPARABLE SALE NO. 2 , � � i;; � ;� 20 COMPARABLE SALE NO. 3 �w,*, ,�w,zµ�. .. yTam "''�y.W-:','aV. n. y��➢H ' fi � � , , ' �i j �'^ , t . �� T� �`" ,w � _` s r �� • 4 i � " � jl i �:� �r �< 21 a la mode, inc . .. , — I _....._. ,..., ..... _ . . � i l � n.i;mn;r.t�n n,. ,« ��.�,_�..� � ... li]�:.IiL'i V'rrv 11 11 -'.t.::.Aeqtlsyi��rz�d:_7'pke..... Uin:L� k �ji.j i 1�!11 yh�t �v ' .. _ � . Y"�,.r . i��_.c.. y H_� .,�:t..�,�- � n k.rcu�; '.f .� , i�..sa. yLi. Il ii . _ �a.l �V�C'I^� ' IL':i"u�ll�: I".1 �D •_ w�chm�.:n �. . 14:..::i. II � . ['.�?.' � .._ I � . � raurn s�Je= r�)�(�'1(J r 22 . a, f�gsti, �rsiar �,IYGLoE ��-.a. _l.�r� a�1 � 'v,�s;;,dt,lu',',l,G'el..".".J71tLS5.�..`„"_��`Na*rp,aG n�,A.� ..... . ._ � i�uwiuun��cal�hulPcinurh�ania i � Ut -.�.; �� .,1 .. Uep;irimcui uf�i.�tc � Bureau ul Prufc�,iuu:�l and l)cci.ip:itiunal :�ffair� < PU Hu.� ?hJ�� Il:u risbur;; 1'V 171115-?bdy � l crlilicu. I\pu l rrlilirnlc YiaW. Certified Residential Appraiscr Acuve � h�ili,il( crtil'i.aliuu Uan- � 12/02/1991 SUSANBBURKHOLDER l i�rlilicaic . 35 EAST HtGH SIREET ��i,�. CARLISLE PA 17013 .. RL000659L IC�pira�iuu Uan O6I3012013 /_' y � , ��y *.i_i.-. �.a.oti-..__ "�',wxr� ��'�ir� �": : i � i.. .,..._ . _. �_. �!;AlS d �a'�. .,. � . .I��.!I 'l. .,.. .iJr:::.�.sd,u"Tl �SwyS{,i� ,. . . . 23 APPRAISAL OF REAI PROPERTY r .� . ,- � � � � �� '�; „�, � .c� < r,'�:h a� > u��y�[ t�'^,..�f�'�3+',s "�� - y�li0 '��N�� 4�i 9� $i rv,a 2{`2 ryj l t„4 � �i�� '4'�"�Qp '�39R��4P� 4 a��'+ yYil ��,.,•�- . �;tia.�`�",�'§�r '��'r, �.1 ,�. i . a✓ m't:& .w.'h� '°i Sy-' .,*.-i 1.: �,�„ '� v �^� '*p�Y,`'"�k�"':�#r s`�� 1;� ` ,,,r.a,rt'. �k'� �� '� 3*2.' : k-t r�a��k;°,d° :n� np M^� LOCATED AT Rear Helen Avenue MechenicsEUrg,PA 11055 Deetl Book 30U Page 1082 FOR Estate of Beriy A.2eigler � 4 Easlwootl Dnve,Carlisle,PA 17015 OPINION OF VALUE z�o,000 AS OF ovoe�zoia BY Susan B.BUrkholtler Diversi(ed Appreisal Services 35 E.High Street,Suite 107 Carlisle,PA 17013 Q17)249-2758 sue.bu�ichol0er�gmail.com Stale Certifietl Residenlial Appraiser RL-00085&L Fam GA7V—"Win70TAL'apprasal sottware by a la motle,inc.—7-800-AIAMODE �rversi�ietl Appraisal$ervices � LANU APPRAISAL REPORT � Stlmmary•Appra�iel Report FileNO. 02W13helen Borrower n.a. CensusTract 117 __ MapRe�erence 2&09 0537-00]A_____ Property Atltlass Rear Helen Avenue -- �- � Ciry Mechan'csbum Counry Cumbetlantl _ S�ate PA_ ZiD CoOe n055 .__ ' Legal Descnption Deetl Book 30U Pa e 1082 mSalePnce$n.a. �ateof5alen.a. LoanTermn.a. yrs. PmDertyHighlsA00��setl � Fee ❑ Leasehold _�OeMinimisPU� y AcNal Peal Estale Taees 5 357 (yr) Lwn cAarges to be pai0 Uy seller$ ONer sales cwcessions __ Lender/Client Estate of Betly A Zeiqler Address 4 Easiwaod Drive Catlisle PA 17075 __ __. Occu an�Vacam A raiser Susan B.Burkholtler Insimc�ians�o A aiser Market value Loca[ron ❑ llrban ❑ SubuNan � Rual Gootl Avg. Fair Poor e�muo ❑oven5% � u%�o�s� ❑ wnerzs% em io memsunoi L�E � ❑ ❑ GmwlARate ❑ FulryOea ❑ Fapid � Steatly ❑ Slow ComenienceNEm b ent �_� ❑ PmperryValues ❑ I�aasing � Stable ❑ oeclining CanvenieuetaSho i [� � � DemanNSupply ❑ Shatage � InBalance ❑ Oversupply CanvenkncetoSchools n o Marketing time ❑ UnOer 3 Mos. � 4-6 Mos. ❑ Over 6 Mos. Nde uac of Pu61k Trans o�atian �_� ❑ � Pasen� 70%One-Unit %2-0Unit %Apis. _%COnao 5 %Commercial FecrealianalFacilities [, �I �'__ � ¢ Lan4USe %Intlusinal 25 %VacaM % AAeuac ofUtlli6es ❑ � Change in Present ❑ Not Likely � Likely(') ❑ TaYJng Place('� Pm Com ati6il' ❑ � �_ � LantlUSe (*�Fram Vacant To Sinqlefamilv ProtectlonimmDetrimentalContlitions � w PredominantOccuvancy � Owner ❑Tenant o %Vacant PoliceanAPireProtectlon ❑ � " ❑ � One-UnH Poce Nange $ i 50 000 to$ B00 000 PreOaninaM Value$ 200 OOO 6eneral A arance oi Pra enies _� � ❑ One-Unit Age Pange 0 yrs.to 250 yrs. PreOOminant Age 5� yrs. A eal to Market [� �I ❑ CommenLS incWAing ihose tactors,faw2ble or uniawra6le,aBecting marketaUiliry(e.g.puhlic parks,schoois,view,noise) Rural area with stable ownershio oattems '[h 500201¢CO C p d�5[8 C2l h0015 pl3ce f OBh'p h 00 A a�d ifdnsp rt f0 __ Dimensions Irreuular = 39acres '� ComerLat ZoningClassAicafian Aareulwral _ Presentlmpmvemenis � Do ❑ �oNOt CanlormmZoningPegulations Highest antl Best Use � Present use ❑Omer(spectly) __ _ Pu�lic Ottier(�escrihe) OFF SITE IMPFOVEMEMS Tapo Sliphtiv rollinq _ ____ Elec. � SVeetACCess � Public ❑ Private Size Lamert�antypical _ __ _ w Gas ❑ None Sutlace Mawtlam Shape Irre9ular __. ___ y Waar ❑ None Maintenance �Pu61ic ❑ Private View Averaqe __. Saa Sewer ❑ None ❑ Storm Sewer ❑ Cur6/Guner Dreinage Appears adeuuate ❑ Untlergmun0 Elect.&Tel. ❑ SiUewalk ❑ Street lighGS Is ihe D�oOerty IaahA in a FEMP Special Flooa HazarU Area? �]Yes �I'No Commen6 Qavorable or unfavora6le incluUing any apparen�aAVerse easemen�s,encmachmerAS,or other aAVerse cond'@ons) There were no adverse wntlitions or _ ha a tl s astes obse ed at t�e Tm f'nsoecEOn on or near ihe suhjed site _ _ The unAersigned has aciteA Ne follawing recent sales N proPertles most similar anA pmximaie ta suhject antl has consltlereA Nese in tAe market anatysis. The tlescnptlon inclutles a tlollar atljusimem re�lectlng mahzt reacUOn �o ihose Aems oi signAicaM vanaibn 6eM1Veen Ihe sublect ana wmparade propeNes. II a signtlicam Aem in ihe com0arable prapetly is supena to or mare favoraUle Nan ihe su6ject propeM1y, a minus (-) adlus�ment is maAe, Nus reducing the intlica[etl value oi suAjec( A a signAicartt Aem in Ne compaa0le is imena to or less Iavo2Ule Nan ihe suGlec�Properry,a Olus(+)aAjusMent is matle�hus increasing��e indica�ed value of ihe subject. ITEM SIl&IECTPROPEPTY COMPAAABLEN0.1 COMPARABLEN0.2 COMPMABLEN0.3 AtlAress Rear Helen Avenue 45 7imber Rd Oltl Stone House Roatl Sroner Roatl Mechanicsbu PA 17055 Mechanicsbu PA t7050 Mechanicsbu Mechanicsbu Pmqm' Ia Sub'ect 0.57 miles NW 134 miles S 478 miles E Sales Pnce $ n.a. S 2a9 900 $ 527 500 $ 414 900 u+ Pnce $�S .Ft $ 3 $ $ > OataSouftes Courthouse/MLS CourthOUSe/MLS Courthouse/MLS a REM DESCFIPtION �ESCFIPTION +- SAd'ust. UESCPIPIION +- SAA'ust. �ESCFIPTION +- $Adust. a �ate oi Sal�me Ad'. n.a. 07J09/2011 04/OS/2012 03/1/2011 r Lowtlon Avera e A�era e Avera e Avera e o Si��ew 39 acres 29.94 acres +45 30045.83 acres -34 200 29.11 __ -49 500 W Power lines No -25 000 None -52 800 None -41 500 ¢ — a � — __ Sales ur Financing Coiwessions + - $ 20 300 � - 3 -87 000 * - $ -9y000 NetAd. atal -- IndlcateAValue Ne� 8.1 % NN 16.5 % Net 21.9 % a�Su0 ct Gmss 28.1 % S 270 200 Gmss 16.5 % $ 440 500 Gmss 21 9 % $ __ 323 s00 CommeiRs on Market Data All three sales were vacant land a[the time a(the sale. __ Comments antl Cond'Awns ol Appraisal Alth gh e or o f th ales larpe adiustments they are the best available.A 10%adiusVnent was de f [h I 'nce these I t tl tl not ha Po I'nes lh o ah the 0 Party _. z Final Recancilia�ion S I b 1 g' t� t �G f n 'nce th's sale-s located near the subiecPS neiAhborhood .___ 0 F — _ ¢ V I�WE)ESTINA THE NpqKEf VQUE,AS OEFlNEU,OF THE SIIBJECT PflOPEflTY RS OF 01/OB/2013 TO BE 8 _ _ 270 000 _____ o Appraiser usan B r�l�cholder SupervisoryApD�aiser(Aapplicable) __ _ w Date N SignaWre antl FeOOrt 02/07/2013 Da@ oi Signature _ ¢ Title Staff Appraiser T�e SWte CerlRication# RL000659L ST PA $tale CerliliCatlon# _ _ ST Or State License# ST Or Staie License# _. ST E�iretion�ate of State CarMicatian or License 06/30/2013 Expiration Oate ot Sta�e Ce�Micatlan ar License Dah oi Ins ec6on if a licahle 01@2/2073 Did �id Not Ins ct Pm e Date o�Ins ectlon Form LAND—"W nTOTAL'apD��sal sotlware by a la matle,inc—1-B00-AlAMO�E �8�� , ' Supplemental Addendum FlIeNO02W13helen Bartawer n.a. Pm e AAArus Rear Helen Avenue C' Meehanicsbu Cou Cumbetlantl S�ate PA Zi Cotle 17055 Cllent Estate of Ben A.Zei ler AtlEWonal Comments: One or more of ihe compareble sales are olAer than six monihs oIC.Althou9h ihere are wmpareble properties in the subjecPs area,none have sold recently, therefore,sales in excess of six months old have[o be used. All ihree comparables used were the best available. Alihough one or more of the comparable sales are further�han one mile for the subjecl property,the sales used are ihe best availahle. The subjecl�as an on-site well and sep[ic tank.This is common for the area and has no adverse impact upon the marketability of the subjecl property. � Scope of Work: Scope of vrork is defined in Ue Unilorm Standards of Professionel Practice as baing"the rype and extant of research and analyses in an assignment" This inWudes the degree and extent of research and the data that is deemed as necessary to develop a cretlible opinion of value for the properry being appraised. Privacy Notice: Pursuant to lhe Gremm-Leach-Billey Ad of 199B,effective July 1,2001,appraisers,along with all providers of personal financial urvices are now requiretl by tetlerel law to iMortn their clients of ihe policies of the frm with regartl to tha pmacy o(the client nonpublic personal informaGOn. As professional,we understand ihat your privacy is very important to you and are pleased to provitle you with ihis information. In ihe course of peAorming appraisal,we may colleIX what is known as"nonpublic personal infortnation"aDOUt yoa This� iMormation is used to facilitate the services ihat we provitle to you antl may include the information provitled to us by you directly or received by us from others wiM your authorization. We do not disclose any nonpublic personal intortnation obtainetl in t�e course of our engagement with our clienis[o nonaffiliated third parties,except as necessary or as required by lew. By way o(euample,a necessary disclosure vroulA be to our independent contraqors,antl in cerlain situations,to unrelated third part/consulWnts who neetl to know that information to assist us in providing appraisal services to you. All inaependent conUactore and any ihird party consultanls we�engage are informetl that any infortnation ihey see as part of an appreisal is to be maintained in siricl confidence within the frm. A disGosure requiretl by law would be a disdosure by us ihat is orderetl by a court of competentjurisdiction with regartl to a legal action to which you are party. We will retain records relating to prokssional services ihat we have provided to you for a reesonable time so ihat we are better able to assist you with your needs. In order to protect your nonpublic personal infortnation for unauthorized access by ihird parties,we maintain physical,electronic and procedural safeguartls that comply with our professional siandartls insure ihe security and integrity of your in(ormation. Porm TADO—"WinTOTAI"appraisal soitware 6y a la motle,inc—1-BOO�ALAMOOE , Subject Photo Page Bormwer n.a. _ __ Pr e Atltlress Rear Helen Avenue C' Mec�anicebur Cou Cumberlantl Sqle PA Zip Code 17055 Clien� EsWte of Ben A.Zei ler V'. ' i Su6ject Front /� Reer Helen Avenue 4y � Subject Hear Sub)ect Street � � � �¢n :J ~.� '�°'�i�;: �� ..; _�_— ,. ,,�«,,.� , �,�,. q .��' '�:, Form PICPI%.TH—'�nTOTAL'appr�sal soflware Dy a la maAe.inc.—1-B00-ALAMODE . Comparable Photo Page , 6orrower n.a. Pfo AtlOre55 Rear Helen Avenue C' Machanicsbur COU Cumberlantl $Ia[e PA ZipCotl¢ �7055 Client Estate ot Bett A.Zei ler �"` Comparable 1 x- �' 45 TimEer Rtl ij<' "�'.. ,_:_�"..'.; ,. %. _: _�f.� ,. Compara6le 2 Old Stone House Roatl ��i i� 1 � R' �. ...._��i Comparable 3 Stoner Roatl i i �— i �� . ,.r `�,�, .,.�.. Form PICPIX.BR—'WinTOTAL"aDP�sal software�y a la mWe,inc.—1-800-AtAM00E DEFINITION OF MARRET VALUE: The mos�pmbable price w�ich a pmperty shaultl bnng in a competl�ive antl open madet unaer all connitlons reqUisi�¢�o a�aif Sal¢, �h¢ bUyer antl seller, each acfinq pmUeiNy, knowletlAeaUry anU assumi� t�e D�ce is not ailectea �y unaue stimulus. Implica in this Uefintlion is the consummanon o1 a sale as of a specilietl Date antl ihe pusing ot title irom sellei to buyer un0er candNOns w�ereDy (7) �uye�an0 selkr are rypically mafivatetl;(2)ha�h patlies a�e well in�o�meA o�well aGViseQ anA eac�actlng in wha�he consitlers his awn best in�east(3)a reasona�le�ime is allovretl for ezposum in Ue open marke�; (4)paymen�is maAe in�erms o�cash in U.S.tlollars or in tertns o�linancial arrangemeMS comparable Nereto',antl(5)ihe price re0resenis ihe normal consitleation for Ne pmperty solU unatlec[eU hy special or creative financing or sales concessions' graMeA by anyone assacia[eU wM Ne sale. "Adluslmenis m ihe comparables must �e matle for speci� or creative linancing ar sales concessians. No atllus[ments are necessary �or those cosis wAich are nartnally paitl Uy sellers as a asul� ol �20i�ion ar law in a maAM atea; Nesa cosis are aatlily iaeiN�iable since Ne seller pays ihese cosis in viMally all sales Vansactions. Special or crea0ve financinA atllustrnertts can 6e ma0e to ihe comparable property Uy comparisons fo financing terms oflereA 6y a �hiN party insfitufianal lentler Nat is no[ alreatly involvee in I�e propetly or transactian. My adjusMeM shoultl nol he calculated on a mechanical tlollar for Aallar cost ot the tinancing or concession Uut Ne tlollar amount of any aJlus�ment s�oultl appmximate ihe markeCS rtacuon ro t�e ilnancing ar concessions �asetl on ihe appraiser's juJgement. STATEMENT OF LIMITINfa CONDITIONS AND APPRAISER'S CERTIFICATION CONTIN6ENT AND LIMITIN6 CONDITIONS: The a00�iser's carNiwAOn �hat appears in ine appraisal report is su6lect lo �Ae �ollowing contlitlons: 1. The appraiser vnll not be responsible tor matters o�a legal naWre ihat aXect eAher ihe pmpe�y 6eing appraisetl or me tltle to it The appraiser assumes t�at Ne title is good and maMMable an0,Nerefo2,will not rentler any apinians about ihe iPoe. Th¢D�opeM is appralsetl on me batis ot tt beinA unUer aspansible ownership. 2. The appraisar has pmvitleA a skelch in Ihe appraisal re0ort[o show appmdma�e tlimansions of Ne impmvemenis antl ihe sketch is includetl only to assist t�e reader of ihe reDOtl in visualizing ihe O�oDerty and untlerstanding ihe approiser's Oeterminatlon af 0s sin. 3. The appraiser has eraminetl Ne available flootl maps ihat are proviAed hy ihe Fetle2�Emeryency Managemen�Agency (or atAer tlaia souroes)anA has notetl in Ne appraisal apan whether ihe subl�t si�e is bcateA in an iAenu�ieA Special Flaotl Hazartl Area. Because Ihe apD�iser is not a surveyor, he or she makes no guarantees.e�ress or imp�iea,regarAing ihis tleterminauon. 4. The aDP�aser will iwt give tesfimany ar appear in caun because he or she ma0e an appraisal oi Ne pmperty in question, unless specific artangemenis m Ao 5o nave Ueen maAe heforehantl. 5. The a00�ser has es�imateA ihe value of Ne lantl in��e cost appmach a�ds highest and �est use and Ne impmvemen6 at Neir coniri�utory ralue. These separate raluaoons oi ihe IanA antl impmvemeMS must nol be useA in conjunceon wM any atAer appraisal antl are invaliA if Ney are so useA. fi. The appraiser has nmetl in ihe appraisal apa� any atlrerse conONans (sucA as, neeAeA repairs, depreciafian, ihe O�esence o� Aazartlous wasks. �ouc suLSqnces, eta) o6servetl tlunig Ihe ins0ac6on af ihe su6ject propetly ar Iha[he or she became aware N dunng ihe normal msearcn involretl in pedorming Ne appraisal. Unkss otheiwise stateU in Ne appraisal report, ihe appraiser has no knowledge oi any hidtlen or unapparent conAiuons af tAe pmpeny or aAverse envimnmental conAitians (inclutlinA Ne O�esence of hazartlous wasles,taMic suhsfances, etc) Nat waultl make tAe O�oOeM more or less valuable, antl has assumeA ihat �hea a2 no such coiWAions anA makes na Auaramees or wartantles, e�ress a implieU, regaNing tAe contlNan of Ne pmpetly. TAe appraiser will nat be responsible far any such conUitions ihat tlo eicisi or for any engineering or testlng tAat might be requimtl ta tliscaver whether such conOmons edst. Because Ne a00�iser is not an eRpert in ihe IielU oi enNmnmental haurAS. Ihe aDO�sal report must not oe consiaeatl as an envimnmen�al azsessment of ihe pmperty. 7. The aDD��ser o�taineA tAe irAOrmatian, estimates, antl opinions ihat were eMpressea in tAe app2isal repotl imm sources iha� he or s�e consitlers Io be reliable antl heiieves Nem �a he�me anA wrtecl. T�e apP�aiser tloes not assume responsibilAy�or ihe accuracy o� such i�ems tl�a[were fumishetl by other parees. 9. The appaiser will not Uisclose tAe coMenis ol tAe appaisal report except as pmviOeA �or in ihe lintlorm SWntlartls a� Professional ApP�aisal Proctice. 9. The apprtiser has hasetl his ar her a00�aisal report antl valuaGan conclusion for an apprtisal that is su6ject to satlsfactay comple�on. reD��s, ar alteratians an ihe assumpfion Nat comple�on ot Ne impmvemeMS vrill be performed in a woAUnanlike manner. 10. The aDD�ser mus� OroviUe his or her prior wmlen cansem hefare me lender/clian� speci�ietl in Ne appraisal reDOrt can AisinOUte �ne app2isal repon (incWAing conclusians a6oN ihe pmpeM vaiue, �he app�aisefs iUeiNty an0 pmfessianal �esignations, anA references to any O�ofessiunal appaisal oryaniza�ons or ihe firtn with which tAe aDO�iser is assaciateG)m anyane ot�er ihan ihe Oarawer,Ne mortgapee or hs succusors ana assigns�,the mortgage insurer, consutt2n�s; prbessianal appraisal o�ganizallons; any state or �etlerally appmvetl flnancial Ins�IWtlon; or any Oepartmen( agency, or instrumen2ltty ol ihe UnAetl SR�es or any stah or tlfe UisVict o�Calumbia;ettept tAat Ne kntler/clieM may tlistri�ute�he DroDeM descnDdon sectlan o1 Ne repon anly m Uata cWleclbn or repoNng service�s) wMOUt having to obhain Ne apD�aiseYs pnor wntten conuM. TAe a00��ser's written conSeM antl aDProval must also Ue obtainea �efore Ne apD�aisal can be conveyed by anyone to ihe pu�lic tAraug� ativetlisinA� pu6lic relaAOns, news, sales, or otAer meaia. Fredtlie Mac Form 439 6-93 Page 1 of 2 Fannie Mae Form 1004B F93 �iverstlieA Appaisal Senices Porm ACA—'WinTOTA�"apPrusal softwaa by a la mo0e,inc—1-BOO�ALAMO�E APPRAIBER'8 CERTIFICATION: The ApO�aiser centlies and agrees ihat 1. I�ave researc�eU tAe suGject market area antl�ave selac[e0 a minimum of tAree receM sales oi pmpaNes most similar antl pmKimate ta Ue suhject property for consitleation in Ne sales companson analysis antl Aave matle a tlollar aAlusiment wAen appropnate fn reflect Ne mafketreaclbn ta Nose tlems of significant vanation. If a significaM hem in a canparahle pmpeiry is superiar ta,or more lamrable Nan,ihe suhpcl properry,t have made a negative atllusVnent to atluce Me adjusietl sales price N ihe comDarable anQ'rf a sgnAicant 0em in a camparable proDeM1y is iMerior to,ar less favo2Ule Man�he subject pmperry,I have matle a posPove atljustmeM to increaze ihe aUjusteA sales pnce N the comparable. 2. I Aave taken into consi0erafion ihe fac�ars Na[have an im0act on value in my Uevelopmem o�ihe estlmate ot maMa�value in Ne appraisal mpotl. I have not knowingly wMAeltl any significant imormation imm Ne a00�sa1 reporl anJ 1 believa, m the best oi my knowledge, ihat all statements antl informaAOn in Ne aDD��aI repait are true and cortect. 3. I stakG in ihe appraisal repotl only my own personal, un6iazeq antl pmfessional analysis,opinions.and corclusions,which aa subject only to me continpeM an0limAing wnANans speci�ieA in ihis form. 4. I have no present or pmspective interest in ihe pmpeM��is Ne suUject ta Nis report,antl I have no O�sent or pmspec0ve parsonal interest ar oias with respett�a�he OamcipaMS in ihe transaction.I Aitl nat hase,eMer pa�ially or complehry,my analysis anyor Ne astimate ol market value in ihe appraisal repon an tAe 2ce,calor,religion,sex,handlca0.��ilial status,m natlonal ongin ai eMer ihe pms0ective awners ar occupaMS ot tAe sublect pmperty or ot me present ovmers or accupanis of ihe propeNes in tl�e viciniry N ihe suhject pmpeiry. 5. 1�ave no presen�or comemplateA fuWre irrterest in ihe sublect pmOenY.antl neiNer my current or fuNre em0�oyment nor my compensalian br Oe�orming tAis appraisal is con�ingen�on me appraisetl value of ihe pmpeny. 6. I was na�requiretl to repotl a pretletermined value or Gi2cfion in value ihat favars Ne cause of Ne client or any alateA party,ihe amoun�o�Ne value estlma[e, Ne atlainment oi a spectlic result,or the wcurtence of a su�sequrnt event in order to receive my compensatian anyor employmeM for pedormiig ihe appraisal. I AiA not 6ue ihe apprtisal report on a requestetl minimum wluatlon,a specBic valuaAan,or ihe neetl to appmve a specific mortgage Iwn. 7. I penormeA Nis appraisal in comormiry whA ihe llnAOrm StanAartls af Pratessional Appraisal Pracfice ihat were aAOp�eA antl qomulgatetl 6y t�e Appraisal StantlarAS BoarA a�TAe Appraisal FoundaGOn antl�ha�were in place as al ihe eflective Gafe oi ihis apD�aisal,with ihe excepAon ol me de0a�ure pmvision ol�hose StantlazAS,wAicA tloes nat apply.I acknowkGge ma�an esfima@ ot a reasona6le time for e�osu2 in�he open market is a canAPoan in me tle�inifion of market ralue antl ihe estimate I developeA is consistent wAh the marketlng �ime natetl in ihe neighborhoo0 sectlon M ihls repoq unless I have otAerwise statea in ihe reconcilia�ion secAon. 8. I Aave personally inspectetl ihe in�enor antl eAerior areas ot ihe suoject pmpetly an0�Ae ederior o�all pmpenies listetl as comparaDles in Ihe appraisal apon. I�u�iher ceNfy ihat I Aave notetl any apparem or known a0verse candNans in ihe sublect impmvemems,on ihe sublect site, or on any stte vnihin ihe immetliate vicinily a��he subjec�O�operry of vfiich I am aware ane have made a0lusMeMS�or ihese adverse canAifians in my analysis N�he pmperty value ta the e#en�ihat 1 hatl market eviAence�a suOPort ihem. I Aave also commemcd aGON�he eflect o�ihe ativerse condNOns on Ihe maAUUbiliry N Ne su6pct pmperry. 9. I personally Oaparetl all wnclusians antl opinians ahaut ihe real es�ah iha� were se�fath in Ne appraisal report. tl I relietl on signtlicant P�otessianal usistance Imm any inAiviOual or indlviduals in Ne pedormance ot ihe appraisal ar ihe preparatlon o��he apD�aisal repo4 I have namee such intliviaual�s) anA tlisdoseA Ne specAic tasks petlarme0 6y Nem in Ne reconcillation semion of Nis appraisal repan. I cerNy Nat any indivitlual so iumeA is qualAiatl�o petlorm �he qsks,I have noi aNharized anyone to make a change to any ttem in ihe repah;tl�e2�o2,B an unaulhonsA change is maAe[o ihe aOWaisal report, I wilt take no responsiUility far il. SUPERVISORY APPRAISER'$CERTIFICATION: tl a supervisory appraiser signetl ihe a00��sal repart, he or she caNfies ana agrees Nat: I Oirectly supervise ihe appaiser who prepared Ne appraisal repoq Aave anewetl ihe appraisal re0oq agree wAh tAe sta�emems an0 conclusians oi tAe appraiser, aBree�o be haund by ihe appraiser's ceNfications numbereA 4 ihmugh 7 abave,anU am Uking full rosponsibility for Ihe appaisal anA�he apP��sal mport. ADORESS OF PROPERTY APPIIAISEU: Rear Helen Avenue.Mechaniwburq PA 17055 APPRAISER: ��/� SUPERVISORY APPRpISER (only if requlred�: SiAnaWre�. Signaturt: Name: Susan B.Burkholder Name: �ate SigneO: 02/07/2073 Uate SigneO'. State Ce�tAicatlon ak'. RL000659L Shte CeNiicaGan#�'. or State License d: or Stak License k: S�ate: PA SR�e'. Erpiralion Oa[e oi Cetliliration or License: O6/30/2013 Expimfian Oaie ol Cetli�ication m License: _ ❑�itl ❑ Oitl Not InsDect PmDerry Fretltlie Mac Form 439 G93 Page 2 oi 2 Fannie Mae Form 10049 F93 Farm ACfl—"WinTOTAL'appraisal sotlware hy a la maAe,inc.—1-B00-ALAMO�E - �}._:�_. rr::=`•-,'iJT' __�,.�:. "n_��`�"'��5 "r4�,�'�=r r rz".:`7' '" __ _.. _ .. . Communueal[h of Penna�lvania 1� U i. 1 .� ,� j 1 Uupartmcu� uf S[atr Burrau uf Pro(cuiunal and Uccupa[iuna� alfain PO Bu� 21�J�1 li�rri.burr Y� 17111i-?6�9 . ( eruficair I�pe ( e��iilieur lialu. . Cer[il'ied Residential Appraiser Acuve Inili:d( .rlilicniiuu Uaie 12i0211991 SUSAN 8 BURKMOLOER C crfifieu[e 35 EAST HIGH STREET �i��i�.� CARLISLE PA P017 RL000659L �'-�I�� ' . O6/3020 t 3 %� — ' ... 'f'aTa, ',ro�._ .: 1,.. �i. ,._. . � � _ Form SCA—"WinTOTAL'appraisal sotlware Uy a la mode,inc.—1-BOUALAMODE [� � +�N � � ' . 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Zeiqler To Whom It May Concern: in reference to the above customer, our records show the enclosed information to be accurate as of the date of decedents death. If I may be of any further assistance, please contact me. Sincerely, �� °'� Brenda Hahn Deposit Operations Clerk 717-261-3668 ]17-2646116 888-264-6116 P.O.Box 6010 Chambersburg,PA 17201-6010 FI:.NA.N..CfAL .SOLU't.fONS FR`O�AA P.:iEO'PLE :Y=.0U KN:Q`W' d » a u� c 0 � w @ c ;`a�i �'&'m CNN oaa 0 u a`m rg u.. c o a y m� o�°n_ �`o rt o 0 �" �Oww c 9 d �o u°f, aHw �°oo cco q O O O O �H N � N 0 Yq O V W J �y �O F- W n W No 'm �$ 0 0 � � '° caa � c LL WN � Ooo � � '� o� ZO Zmm E`o mw y Y 5 N N A V N N J 0 V U Q c 0 � �� > t DO m `o 0 O m �� v � QUU �� ° � � � ��,�, L � C��.�:��i �'�"��°�.� ---- �- —��-+�' ..,�F:,��.��._�,s�.�'`�� . – ,� =.��-.��° ------ -- --- " �-�'� ^ --_�._'� ��- � .,��'° -- __. _ . °� _ __- --- �� n�.,, �'� � , �. �.--__ _ __ —__ ._._ _ - , �v�' -�� ------ ----�_ _. —.— ---- — /� .,�'` �� . .. 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Y � � �� . �r� u�„�_ ;�.�r�..��?.�'� � - � -�---------°3` . _ -------- -� - � .� � � � i»��__��__,i' ��lz2 � _ - --- �_- - - _.-�`�,e?'�r�r�� ,�;� _, Gf/ _--__ __ ____ �.-----�. /� —------- — • /�' ,f/f//�Id5 � L � + � .Ja+ !'L�-- _ r/� _ G'b�_�— —.___ _—.—"__.—_"_ _ _'_. ...______ ' -- .,��__ °" �' ----- ------------ ; _ i i "�,.�,,,.�� ,�` � I � ,�� -_ � �-----�_ �� . � � � ' _. � _ , ---- 1 � ,3 -- F � �� ,, ` � ,,,r°�."r��;'— Q�------- — --- � 02 � l�...Gff� e�,P":� f __ __._. . ----- �,� : ---�___��,�v - -- -� -_=-�'��-�- �` _ _ � ,� _"_ 'r — l/�� ,. £ � ? ----- — f � � ��r�� l � _`_ ' .��,�.�. � - � P � �_ ��,� ��__�-�� -- s�r, � ia ��- � - --- — , -- ��.,�1.��.�'� -------- -------� - - - - --k-- -- - ��-�' -� ��?) —_ � �' � ' s � — ; ---- + —^ — — ----� °�°-;`z= � — - — — --- , `,� �, ---_ _ __��C/-��-- — • .�Q� � e T � � � �� e - __ _ --��------�t3.3�� 0 0 0 o r a 0 0 0 0 0 � � o a o �-- -�.. . ------- �1 � � � u�� ' �y y� �!�.�° LO l0 � � Ifi b4N '�'A s�l'� 'IFSMl� � � � � �� .�: � _ .. _- - -- . � ,��p �'�;v. u,xs — �� j� H��1�� __ — _ '_ _ � ---�-- (' � \ ��N� °_ /al—L.3 ,---- i I i � II ��°��I I 6 Court Ordered Processing\Decedents- MAl-MB3-02-10 - P.O.Box 841005 - Bostoq MA 02284 a a a 1� A - i39��9�6id' � March 4, 2013 � �AR 1 � 1U13 5 � Roger B. Irwin ERWIN��cKNiGH� z Irwin & McKnight, P.C. ikWDFfICES � West Pomfret Professional Building � 60 West Pemfret Street - � Carlisle, PA 17013-3222 e � 5 RE: Estate of Betty A. Zeigler E Date of Death: 01/08/2013 � 3 i z � Dear Roger B. Irwin: � " Per your request, enclosed please find the account information as of the date of death � for the above-named decedent. For your information, accrued interest is not included in � the date of deaRh balance. � Please feel free to contact me if I can be of any further assistance. e HVe ruly yours, 9 � 6 � S � oeJo � Specialist s 617-514-5189 0 � 0 3 s a x � fr � S s � °s � 4Nt0 `c�^. . —, ..- .. �_._ _.. � s i z � B � Sovereign Bank ESTATE OF Betty A.Zeigler _ SOCIAL SECURITY#: DATE OF DEATH: January 8, 2013 Account#: 2891046773 Type: Checking Open date: 8/1/2003 In the name of: Betty A Zeigler Date of Death Balance: $1,721.94 Int.(YTD)from 1/1/2013 to 1/8/2013 $0.00 Accrued interest to date of death: $0.00 Other Info: Account closed on 02/19/2013. Account#: 2894013404 Type: 5avings Open date: 8/26/1985 In the name of: Betty A Zeigler Date of Death Balance: $1,002.46 Iut.(YTD)from 1/1/2013 to 1/8/2013 $0.00 Accrued interest to date of death: $0.01 Other Info: Account closed on 02/19/2013. Accaunt_#:—�%9526�644 T�E• C'D npEn datp� 1�/_L61149=4 ^A In the n�me of: Be�.y A�eigler Date of Death Balance: $10,984.15 Int.(YTD)fram 1/1/2013 to 1/8/2013 $0.00 Accrued interest to date of death: $2.89 Other Info: Account closed on 02/19l2013. Account#: 2895302061 Type: CD Open date: 12/12/2001 In the name of: Betry A Zeigler Date of Death Balance: $12,827.66 Int.(YTD)from 1/1/2013 to 1/8/2013 $0.00 Accrued interest to date of death: $1.74 Other Info: Account closed on 02/19/2013. Account#: 2895550164 Type: CD Open date: 8/21/2009 In the name of: Betry A Zeigler Date of Death Balance: $10,057.20 Int.(YTD frum 1/1/2013 to 1/8/2013 $O.GO Accrued interest to date of death: $2.10 Other Info: Account closed on 02/19/2013. Page 1 of 2 Sovereign Bank ESTATE OF Betry A. Zeigler SOCIAL SECURITY#: DATE OF DEATH: January 8,2013 Account#: 2895554430 Type: CD Open date: 2/10/2011 In the name of: Betty A Zeigler Date of DeaYh Balance: $13,247.64 Int,(YTD)from 1/1/2013 to 1/8/2013 $0.00 Accrued interest to date of death: $9.67 Otherfnfo: Account#: 7672833588 Type: CD Open date: 1/30/2012 In the name of: Betty A Zeigler Date of Death Balance: $52,150.13 Int.(YTD)from 1/1/2013 to 1/8/2013 $0.00 Accrued interest to date of death: $12.86 Otherinfo: Account#: 2898156910 Type: IRA CD Opett date: 5/6/1994 In the name of: Betty A Zeigler Date of Death Balance: $1,958.62 Inf.(YTD)from 1/1/2013 to 1/7/2013 $439 Accrued interest to date of death: $0.57 Other Info: The beneficiary is the Estate. Accounf#: 2895393615 Type: CD Open date: 9/25/1997 In the name of: Betty A Zeigler Date of Death Balance: Account closed prior to death Int.(YTD)from to Accrued interest to date of death: Other Info: Account closed on Ol/27/2012. - {b C� q«.}, Page 2 of 2 ACCOUNi N0. �'.ACCOUN7 TYPE� � 3TATEMENT.-PERIOD� � � PAGE� � 15004200923660 RELATIONSHIP SAVINGS OCT.02-JAN.01,2013 1 OF 1 00 0 04344M NM 017 000006310 FIDS1549001701021312 03 000000 25244 1'+�'i ' BETTY A 2EIGLER �� •� 4 EASTWOOD DR , CARLISLE PA 170I5 INTEREST EARNED FOR 57A7EMENT PERIOD 0.06 SPRIN6 GARDEN ACCOUNT SUMMARY � I -�> E. IT9 MAI.S�:::i R F; � E �kGAi(GB 01HE1l:AChi1'rGN4 �� SUl.TRACTI INtEkEST PATb': ALi1NCE-: � � ND. AMOUNT N0. AMOUdT 88i.64 5 75a.55 0 0.00 O.DS 1�646.24 ACCOUNT ACTIVITY 'x ';:- : P iS��i: N7 EST :�r MIR11Nh I::R 0 R <: DA LY � �WtfiE' >�.: #RA[L4AC?ION� ESCRTPfi all -�� i Q'TNER-1106IiIQNS % SU6'CRACtt EALAIICE 4 30-02-12 BECINNIN6 BALANCE SE67.64 10-03-12 INTEREST PAYMENT 0.01 �E7.65 10-11-12 TRANSFER FROM ACCT 031003911154703 1.72 869.37 $ �11-02-12 DEPOSIT � � - --� -� 376.66 -- � 11-02-12 INTERESt PAYMENT 0.01 1,266.04 N �°-. � 11^13-12 TRANSFER FROM ACCT 033003911154703 1.79 1,267.83 0 11-28-12 DEPOSIT 376.66 1,644.49 12�03-12 INTEREST PAYMENT 0.03 1,644.52 � S 12-21-12 TRANSFER FROM ACCT 031003911154)03 1.72 1,646.24 3 b ENDING BALANCE 81,646.24 � � 8 ANNIIAL PERCENTAGE YIELD EARNED = 0,01 % M6T BAlN( MAKES PAYING BILLS EASIER THAN EVER. MiT NEB AND MOBILE BIIL PAV MILL HELP YW AV02D LAfE FEES, SAV� ON POSiA6E, AND NAVE PEACE OF MIND NNONING YOUR BILLS ARE PAID ON TIME. OUR BILL PAY SERVICE IS FAST, EASY AND CONVENIENT TO USE AT NOME OR ON-TNE-60. LEARN MDRE AT MTB.CON BILLPAV. MEI�ER FDIC. taoe lsnzl '� APPRAISAL OF REAL PROPERTY . , . . _._ �„.r .� y ��. I f� � �� . `n't1 � �5A&d"� ,-V� "��°T�2'p ' ,a. p(A.. �+'.��N' . L,� �N*i Y.i6w 1` _ y�4 �� " ,"1 c nY^Mmv+-��u "�+, � `k!• � ��g^hn.�"'�ix`;S*^YSk; LOCATEO AT 4 EaslwooC Dr � Carlisle,PA 17015 DeeO book200730804 FOR Estate ofBetty A.Zeigler OPIHION OF VALUE 306,000 AS OF 01/OB/2013 BY Susan B.Burkhofder Diversifietl Appraisal Services 35 E.High SireeL Suite 101 Carlisle,PA 17013 (717)249-2758 sue.burkholtler�gmail.com Stale Cettifed Resitlential Appraiser RL-000659-L Form GA1V—"WinTOTAC apWasal wflware Uy a la motle.inc.—1-800-ALAMOOE � Summary 1lppralsal Report DirersAietl Appaisal Senices RESIDENTIAL APPRAISAL SUMMARY REPORT FlkNo.: 02/07P2013 , Pr AJdress: 4 Easiwootl Or C� �Cadisle Slate'.PA Zi Cade'.170t 5 • Cau -. Cumbede tl Legal�esCriptlon'. Deed book 200730604 c�i Assessof5 Parcel#'. 38-09-0535-002 � � iax Vear'.2013 RE Tves',S 5 Ot 5 S cial Assessmenis:$0 Borrmver B a licable'. Estate of Bett Zei ler � Curtent Owner M HecaN: Bett A.And Anna M.Zei ler Occu aM: Ovmer []Tenam ❑VacaM Manutacwre0 Housin � Po'ect i e: P00 Candominium Caa 26ve Otlrer tlescnbe HOA:S n.a. � ear r montA MazketAreaName: Silver5 rin sTOwnahi Ma Beference: 3&09A535-002 CensusTract: �18.03 The se W tlus isal is to devW an uuon oi: Market Value as ENined,or other e oi vaWe describe This re rt rellects ihe fallavrin value A nN Curtent,see commeMS'. CuneM ihe Ins ecfion Date is Ne Etlective Oa[e Re�ms ective � Pros ctive = maches Aevel tor Nis aisal: Sales Com arison A mach Cost A rwch Income mach See Feco�iliafion Cammenis antl Sco oi Work �Pro Ri his P rtisetl: Fea Sim le Leasehaltl LeaseA Fee OtAer Oescribe __ � In�en0e011se'. To eslablish value for sWte inheritance tax _�__ _ � IMenAeA User s b name or e'. Estate of Bett A Zei ler CGenC Esfate of Bett A.Zie ler Atldtess'. 4 EasM1Vood Drive Carlisle PA'17015 N raisec Susan B.Burk�older FdEress: 35 E.Hi h Street Suite 101 Carlisle PA 77013 Locatbn: UNan SubuNan Furzl Predominan� Ona-UnitHouaing PreceMLmdUu ChengeinLentlUee Built up: ❑Over 75% �25-75% ❑OnAer ZS% �a�PeO� PRICE AGE Orre-0ntt 70% ['NW Likely 0 GroxM ra@: ❑RapiA �Stable ❑Slow �Owner 3�U00) (yrs) p.q Untt % �,likely' ❑In Process• p Properry nawes: �Mcreasing �Stable ❑DecAning ❑7enant 750 �aw o MuN-Wtt % 'To�. Sinaie familv � Dema�lsuppty: 0 Shortage �In Balance ❑Over SuDPty �Vacant(0-5%) 800 Hi h 250 Comm'I 5%_ _ y Masketin tlme: Under 3 Mos. 3-6 Mos. Over 6 Mos. ❑VacaM >5% 200 Rod 50 Vacant 25% o Market Area Bountlaries,�escnptlon,anA Market ConOitians(including supporttor Ne ahove characteristics antl imnOS)'. Rural area wit�stable ownershio _ G p2ttems wtti n reasonehle commutin9 distance to Schools shopAing and IrenspoRation,the 8ublecl neiqhborlioatl is botderetl by HarrisburA � Pike Mechancisbum Vork Roatl antl Cadisle < � — W y — -- _ C Q f Dimensions: �rr¢ ular Si@Area: 227acres 2oning Classificatlon: Resitlential Oescnpfion�. Ewstinq use is permitleC Zoni unce: L ❑Le noncarAormi r2nMalhere0 Ille al No zonin Ne CCBHS licable? Yes No Unknawn Have tAe daumerAS heen reviewed7 Yes Na Gmuntl Pent II a lica6le ..$ / Hghest 8 Best Use as impmvetl: PaseM use,or ❑Other use(eryltin) ___i Actual Use as o�Eifec�ive�a�e�. Sinole familv dwellina Ilse as appraiseA in mis repotl� Single familv tlwellinq i SummaryoiHighestBBestUSe�. Sirwleiamilycontlominium _ O F — a � Utllitlea Puhlic Other ProvideqDascnption p11-aXelmpmvemenh Type Public Private Topography Level w Elecmciry � ❑ Street nnawaam � ❑ Size Typical for area � Gas ❑ ❑ n.a. CurWGutler None ❑ ❑ SAape Irrepular _ Wa�er ❑ � SltleWalk None ❑ ❑ �falnage Appeafs atlequate _ y SaniWry Sewer ❑ � StreeLLiAhts None Q ❑ View averaqe Starm Sewer n.a. Alle None OIMr site ehmems: Insitle Lat Comer Lat CW ae Sac Unae rounA Utlliues Olher Aescnbe ffMA S 'I RooA Hata�A Area Yes Na FEMA RooA Zone X ffMP M #42041 CO FEMA Ma Oate 3I182009 Sde COmme�s: Th's lot has an on si�e well antl SeoTC system since public water and sewer are not availeble. __ GenntlUOUlptbn ExhriwDncrlption Foundation BaeemeM None Hertin9 W oi UnAS 1 ❑pcc.Unit ku�ation ConcreM Blodc �h None Area Sq.FL 2 460 Type Fha :MO�Stones 1 ExlenaWalls StoneNinl CrawlSOaceNOne %Finished 0 F.uel Oil Type�De[. �Att. ❑ Hool SWace Shi les Basement Full Ceiling Unfinishetl Oesign(Style) Ranch Gutters 8 Dwnspis.qlumium Sump Pump ❑ Walls Concrete Cooling �Edstlnp []Proposetl �Und.Cans.WintlowTyOe Dbl-hun Dampness ❑ Floor Concrete Ceniral Yes w ActualAge(Yrs) 5 S�orMScmens Insulated SalllemeM None OutsitleEntry No Olher z El�ecfive e rs. 5 IrAesiaaon None � Imerfa0matptbn AppNamzs Attk QNwie Amer�lks Cx!Ya'age None j Floars Car t Feingeratar � Sbirs ❑ Fiaplace(s)# WooOStove(s)N Garage #oi cars ( 5 Tat.) � WaAS D ail flangelOven �Orop Suir L7 Patlo _ _ AtWCn. 2 f TriMFinish Wootl �ispasal ❑ Scultle ,� Oeck _ Datach _ W BatAFloor Vin I Dishwasher � Dooiway ❑Porch Coveretl _ BI�,-In F BathWainscot D wan FaNHOoO ❑floor ❑Fence Carport � Oaars Masonite Micmwave ❑ HeatM ❑Paal _ _Dnveway 3 .MacaOam i Washe�/� er FinisAetl Surtace B Fnishe0 area abme ra0e coMains'. e Rooms a Bedroams 2.5 Bath s 2 460 5 uare Feet of Gmss Livin Area ACOVe GraAe � AdAitlonal�eaN25'. FrontPOrch. , K V W Descnbe t�e conaition oi ihe prope(ry(including physical,funcTOnal antl eAemal ohsolescence�: The aooraisar performetl an e�Renor onl�inspection.ihe � exlerior of the home are wnsidered to be in gooE contlHion. � . CWY�9�200iWaVmuOe,In�.iMStummayEerW�oAUCeJUnmoMIMwAAONwAtlmOe�misslm,Aweve.a�amoGe,M�.musl�eadmvMN9MaMCiMI1N. Farm GPHES2—"WinT07Al^ap0�isal sofhvare 6y a la mode.mc.—1-800-ALAMOOE �I2007 _ _ RESIDENTIAL APPRAISAL SUMMARY REPORT FlIeNO.: 02/07f2013 My research did Ntl nm reveal any pnw sales or transfers of the subject pmperty fa the ihme years pnar m�he eflective date ot tl�is appraisal. , � Oata Source s: Assessment records O l sl Poot Suti �Sale(�2ns�er Anarysis ot sale/iransier�istory anNor any curtent ag�eemem M sale/IistinA'� The home is not currentN listetl or untler N Odt¢: 0$/062007 cAnlfaCl. � Pnce: w Saarees: — y 2ndPriorSub'ect5ale/Ransier .__ � Oa@: _ —_ — r Pnce: _ — SoUrte s'. SALESCOMPMISONAPPqOACHTOVALUE Hdeveb� TheSaksC arisan xhwasrwt0eveb diathka isal. FEATURE SUBJECT WMPAflABLE SNE#1 COMPARABLE SALE R 2 COMPAflABLE SALE#3 Atltlress 4 EasRaood Dr 837 Yotic Rtl 7040 Vork Rd 583 Miller BNd Carlisle PA 17075 Carlisle PA t7015 Dillsbu PA 17019 Mechanicsbur PA 17055 Pmdmi �o Su6'ec� 1.74 miles SW 4.89 miles SE 4 45 miles SE Sak Pnce $ 5 305 000 5 300 000 S 335 000 Sale Ric4G�A 8 Is .fl.$ 123.98/5 .h. $ 159.49/s .tl. $ 140.52/s fl. OaiaSou�ces CPML CPML CPML _ UeMkaDanSOUfc¢5 COUrthouse Courthouse Courthouse VALUEAUJUSTMENTS DESCpIPTION OESCqIPTION +- $AA'ust �ESCFIPT�ON +- $Adust. �ESCFIPTION +- $AA'ust. $ales o�Pnancing None known None known Closing wst -12,350 CanC¢SSians Conventional Cesh Conventitldal �ate oi Sak,Rime As of 0708/2013 10/12 072072 72/7 i pi Ms raised Fee Sim le Fee Sim le Fee Sim le Fee Sim le Lacatlon Avere e Avera Avera e Avera e Sile 221 acres 2.47 acres -1 300 2.14 acres 7.7 acres -27 500 � View Avua e Avere e Avera Avera e Dl� n $ le Ranth Ranth Ranch Ranch OUaI' NConsiructlan StoneVin I StoneNin I BnGWin I Slone/Vin I e 5 16 +5 000 76 t5 000 10 . +5 000 CondAion Gaotl Good Good Gaod Ahore 6ratle total Bdms BaNS Tapl BArms BaNS Tdal BMms Batl+s Total Btlims BaNs floom Count 8 4 2.5 6 3 2.5 t<�00 7 3 2 +3 000 7 3 2 .3 000 Grass Livin Nea z aso s .n. z asa s .n. o t 881 s R. +y3 200 2 384 s fl. 0 Basement 8 FinisheA Full bsmt Full bsmt Full bsmt Full bsmt Haams Belaw G2Ae None None None _ 1623 s ft Flnisnetl -8 000 f�nctlonal IIAI Avere e A�era e Avera e Avera e HeaB Coolin F�a Oil CA Fha Gas CA Fha Pro ane CA Heat um CA = Ener E%icieM Aems T ical for area i ical for area T ical for area T ical for area Q Gara WCar 2-car ara e 3car ara e -5 000 2-car ara e 3-car ara e -5 000 � PacryPatlq�Detk Porch Porch tleck -7 000 Poroh atio -1 000 Porch tleck -1 000 a __ None None Fire lace -1 000 Fire lace -1 000 < None None None Stable -5 WO z -- o --- N y—' — _ a � Net AdusMeM otal + � $ 1 700 + - $ 29 200 + I�I - $ -51 850 p Aajusted Sale P�ice Ne� 0.6% Net 9]% Net 15.5% w of Com a2Dles Gtoss 5 3%$ 3W 700 G�oss 11.1%S 329 200 Gross 20.3%$ 283 750 ` Summary b 521e5 Compan&an Appmach Sale m0e 7 was ven the most con9itlerelion since�his home i5 tlose in 5ize. H A 840 Oe quare fo t atliustme t w s made of size antl a$5 000 per a re adiust ent as maEe for the land hMketed Velue Sales Com rison A h S 3os o00 � . . . . Cap„ipIAm2007AyalamoAe,Inc.ThISlaimmayheiepoN�aiummotltliWxitlwulvmRnpemnfsWn,Mwevc,dlamoDe,Inc.muslOea�MmMMpMaMaetlMeG. Wrm 6PRE52—'WinTOTAL'aPO��sal w�lware by a la mo0e,inc.—1�B00-AlAPAOUE �Z�� 9 RESIDEN7IAL APPRAISAL SUMMARY REPORT FIkNO.: 02/07I2013 COSTAPPROACHTOVALUE lf TheCast oacAwasnat0eve forWS Isal. • ProviAe ade uate inlorma6on for re Ikation of Hre folbwin casl li ures anC calcula0ons. Supporttor(he opinion at siie value(summary o�comparable IaM saks or a�her methoCS�or estlmaling sAe value�'. i ES7IMATE� flEPflODUCTIONOp qEPLACEMENTCOSTNEW OPINIONOFSITEVALUE . _$ o Swroe M cost Oatz: � �WELLING �Sa.Ft.@$ _$ O.Uual' ratl Irom cost service: Eflective tlate of cost data: S R.@ 3 =g 6 Comments on Cast Appmach(grass Iiving area calculations,Aepmciatian,etc.): S .R Q$ =y e _ S.FL@Y .. _$ a�i — S .fl. 3 .. _$ � � =E V — —_ Ga e/Car on S .FC $ =E _ Total EsOma�e ol Cost-New . _$ Less Ph "al Foncfmnal fdemal __ Da 2ciatlon -5 0 eciated Cost d I uvemeMS ... _$ "AS-is"Value of SAe Im vemems . _$ =S - -a Estlm#edpemainin EwiwmicLife i�ro uireU: Years INOICAlEOYALUEBYCOSTAPPqOACH =5 x INCOME APPNOACH TO VAI.IIE devNO The Income A oach was nai Uevela ed taNis a raisal. oEstima�ed Manihl Market fleM 8 %Gmss Fem Multl lier =S IMice�ea Ve1ue by Incana aaen a Smnmary of tncrome Approach(mcMdMg support Nr ma�ket reM arM GFiM): __ 6 Q -_- -_ W -- � 0 U Z -- PRQIECT MFOBqATION FOiI PUOe a IieeGe The Sub'ect is a�of a Plannad UnA Devel merA. L al Name of Fra�ct o Oescnbe cammon elemerAS and recrea�ional facili�ies�. _ � a — inawmd vm�e n�:seb.canp�n.w� h S 306 000 cw�approxn�n aeveio�s inco�npixo�n�u dewioaa>s Ffnal fleconti7ia�on The 531¢S Co�ID3fison 3DD�oach bEi�g COnSitlefeC thE mOSt accuf2$in 2RiVinO af r11V Hnaf OD��On ot vdl�e 7he Incrome aooroach was not consitleretl since this is an owner accuo'ed sinole farti ly dwell'na z o ' f a This app2lsal is made�"az is", ❑ suhject m complatlon per plans a� specAkatlons on Ne hasis of a Hypothetical Condieon tAa�tAe impmvemems Aave �een � com01e�e4, ❑sublect lo�he following apairs ar al@rofians on Ihe 6uis M a Hypolhetical CanANOn ihat tAe re0airs ar atteratlons have heen completea, �suDject to i �he IoAowing requiretl mspectmn basrA on tlre EetraoNinary Assumptian(hat the co�Mit'ron or delicimcy tices�require ake26on ar repau: qppraised in current � con0itian. w K _ Thls re ort is also sub�ect m olher H othetical ConANOns anNor Eq2ortlina Assum 'ons as s cBietl in Ne atlachad aUAentla, Beeed on the dpree o1 impection of Me sub�ect properry,w InNce[etl helow,deflned Scope ot Work SWlemenl of Mwmptlone and Limitlng CoMNlonc, and Appreuer's Cenil(eaUons,my(our�Op(alon ol me Market Value(w oMer specXktl vahre rype�,ae deNned hereln,of the reel property Me(Is tice whkct ol Nis repOrl is: S 306,000 as o1: 01/OB/2013 ,whioh Is tM elleellve de4 0�tMa eppleleel. If indceled ehove,Mie Opinion of Velue ie wbject to Hypothepcal Contlitlona BnE/or Exkeordinary Aseumptlona incluUetl in Mia reporl. See atlachetl eddentle. F A true anA camplete capy ot Nis 2pan comalns 13 pages, incWUing e#iibtls which are consitlered an imeg2l pan N ihe repatl.This app2isal repo�may not be W pmpetly undersmoA witlwut re�eance m ihe informafion containe0 in Ne camplete repon. f Atlachad EvAibits'. � ❑Scape oi Work �Limiting CanQ/CeNiications �Narratire AdAentlum �Pho[ogrep�AUdentla ❑Sketc�Aadentlum � �Map pdUenaa ❑Atltl�'0'onal Sales ❑Cost AAAenAUm ❑Flootl AdGg�MUm ❑Manut.House Atl4erMUm < H iheOCalConAitions Extraordina Assum tions CUe�rt CoMacC Elmer 2ienler ClierA Name: Estate of Bettv A.Ziegler FMail: AdOress: 4 Eaatwood Drive Cadisle PA 0015 APPRAISER SUPERVISORY APPHAISER('rf required) or CO-APPRAISER('rf applicable) w � Supervisory m Q A paiser ame: Susan B.Burkholtler CaApprtiser Name'. � Campany: Diversifietl P,opraisal Services Company. b Plrolre: p17)249-2758 FaC: p171258-4701 Plwne: iak'. FMail: sue.burkholtlerfo2pmail com E-MaiP. Oa�e N Repotl�SlgnaNre�: 02/07@013 Oah of ReDOrt(SignaNre��. .License of CerNica�ion F: RL000859L S�a�e'. PA License or CeN�ication 8'. ` Sq@: Designation: n.a. Desi9na6wr Expira6on Date ot Licanse or CeMicatiw: O6/30/2013 Expirztion Oate N Licenae or CeNfica6on: InsDactlonof5ubl�� ❑IntenorBEMenor �ExleriarOnry ❑None InspectionoiSuUject ❑IMerior8E�1eriar �,JE�eriorOnly ❑NOne Date W Ins ction: 02/0720'13 Date oi Ins acfion'. � CapyfigMO 200]ty a le maae,inc.iNStam mey Oe rep�oEUCeE unmoGlleC wlNOUI wiMen pnmissiaq howevet�la moJe.irc.muv Le aclmowMAOM mA aR91eE. Form GPNE52—"Win70TAL"aDO�aisal soffware Uy a la mode,inc.—i-B00-ALAMODE 3/2007 ADDITIONAL COMPARABLE SALES FIkNO.: 02/0712013 fEATUPE SU&IEC! COMPAHABLESALE#4 COMPMABLESPLE85 COMPAflAeLESAIE#6 , AtlGass 4 EesN+ootl Or 152 Brintlle Rtl Carlisle PA 17015 Mechanicsbu PA 17055 Pmrim' W Su6'ecl 3.38 miles E Sale Pnce $ 5 259 900 $ Y Shce Rkel6LA $ /s .tt$ 123.88/ .tt. $ /s h. $ /s ii. �a�aSwfCe 5 CPML VeMkatlan Source s Counhouse VALUE HpJUSTMENTS �ESCHIPTION OESCpIPTION +- $AdUSt. �ESCflIPTION +� $AA us�. UESCFIPTION +- $AO ust. SalesorFinancing Closingcost .3,900 COncessioqs Conventional �ah o�Sale/iime As of 0108/2013 06/12 H' A ised Fee Si le Fee Sim le Laca�ion_ Avara e Avera e _ Si�e 2.21acres 1,S6ac2s *3300 View Avera e Avera e Oesi n S le Ranch Ranch �ua' afCansAVCtlun Stone.Vin Bnck/V�m I � A e 5 37 it0000 Co�tlNOn Good Gootl A6ove Gratle TNaI Btlmts BdNS ToW Bdims BaNS Tolal Bdms BeNS To41 BNms BaNs Haom Caunt 8 4 2.5 8 4 2 +1 000 Gmss Livin A2a 2 460 s .tt. 2 098 s .ft. +14 400 s .(t. s .If. Basement 8 Finished Full bsmt Full bsmt RoomsBelowGrad¢ None None FuncGonalUlil' Avera Avera e HeaM CON' Fha Oil CA Geothercnal CA -5 000 E� EmcieM Ihms 7 ical for area T ical Por area �Gara C ort 2-car are e 2car ara e PorcA�Palio�Deck Parch Porc� deck -1 000 None Fire lace -1000 ` None Nane s U Q � Net Aa�usMerrt otal �+ - $ 17 800 + - $ ❑+ ❑- $ a �lusted Sale Pnce Ne� 6.8% Nel % Net % < m Com arables Gross 152%5 2n�oo Gross %5 Grass %S p Summary of Sales Compansan Approach q K ¢ 6 f � U yW _ _ J G — N �.. �Om11Q�?al��d�i III�f,IfL.�115�01111IIIdJ'�E R[lCQYC11 YIMII�MIlG N�UII�Wf�Gl11�A1111�59�1�1,FqMYR.T Id IIIOUl.N[.IIIY91�B i[kIUMWAOG Lb O941M, Fmm GPHE52.(AC)—'WinTOTAL"apprarsal sWtwaze�y a W moDe,inc.—1�800-ALRAIO�E 3@OW Supplemental Addendum FoeNOOVmnoas Bortowel Esiate o!Bett Ze ler —.. • Pm tl AOtlress 4 Eastwootl Dr Ci Carl 1 Coumy Cumberland S�ale PA Zip CaGe 17015 _ Clien� Eatate of Ben A.Zi ler Atlditional Comments: All mechanical systems including heating,elactrical antl plumbing systems appear upon a visual exterior inspeclion ro be in working ortler. No warrenties are implietl in ihis statement. One or more of the comparable sales are older than six monihs oIC.Although there are comparable properlies in the subject's area,none have soltl recently, therefore,sales in excess of six monihs old have to be used. All three comparables use0 were the best available. The subjecl has an on-site well and septic tank.This is common(or the area and has no ativerse impact upon the marketa6ility of the subjecl property. Although one or more ot the comparaCle sales are further than one mile for the su6ject property,the sales usetl are the best available. The appraiser has not had any involvement in the property in the pas[ three yeare. 7here is an effecfive number of competing propetlies on the market in Ihis area. T�is indicated that supply antl demantl are in 6alance antl reasonable exposure time is estimatetl to be under six months.Typical holding time is five to seven years. Scope of Work: Scope of work is tlefinetl in ihe Uniform Standards of Professional Practice as being"the type and exlent of research and analyses in an assignment" This inclutles t�e degree antl ezleM of research and the data that is deemed as necessary to develop a cretlible opinion of value for the property being appraised. Privacy Natice: Pursuant lo the G�amm-Leach-Billey Acl of 1999,eflective July 1,2001,appraisers,along with all providers of personal financial services are now required by federal law to infofm their clients of ihe policies of the Grtn with regaM to ihe privacy of the client nonpublic personal iMofmation. As professional,we understenA that your privacy is very important ro you arM are p7easetl to provide you with this information. In the course of peAOrming appraisal,we may colled what is known as"nonpublic personal infortnation"abou�you.This information is usetl to facilitate the services that we provitle to you and may inclutle the infortnation provided to us by you diredly or received by us from olhers with your aufhodzation. � We do rrot disGose any nonpublic personal information obtainetl in ihe wurse of our engagement wiN our clients to nonafiliatetl thirtl paAies,except as necessary or as requiretl by law. By way of example,a necessary tliscbsure vroultl be to our indepentlent contractors,antl in certain situations,ro unrelatetl third party consultanis who need ro know Ihat information to assist us in provitling appraisal services ro you. All independent cont�actors arW any thirtl patly consulWnts we engage are informed that any information ihey see as part of an appraisal is to be maintained in siricl confidence within the firm. A disclosure requireA by law woulA be a disclosure by us Ihat is ordered by a court of competent jurisdiction vnth regarU ro a lepal action to which you are party. We will rehain records relatirg to protessbnal services that we have proviAetl ro you for a reasona6le time so that we are bener able lo assist you with your neetls. In order to pmtecl your nonpublic personal information for unaulhorized access 6y Ihird parlies,we maintain physical,eleclmnic antl procetlural safeguards lhal compy with our pmfessional stantlartls insure lhe securiry antl integrity of your informa�ion Fortn iA�D—'NVnTOTAC appraisal soliware oy a la mo0e.ina—7-800-ALAMOOE Location Map 8orrower Estate of Be Zei ler • Pm e AAAress 4 Eas[wood Dr _— — Catlisle Coun CumbeMantl Sta�e PA Zi Cotle 17D15 qient Estale of Bett A.Zie ler a la mode, inc. � �,�;mo.r;�� a:i i,ar[.�ic;a:i,. :.„., .� u n �Ppqersklb,��a j 9 WkN >.��..,.., � . � �.e e ��.�_.� H:b.c �o:- +(� - .0 I .� . �^v ,u 1� " � , Y�: _ . � fd['I[... . .... . ...... . _. .... IP::'.M1I�: ��` ' I.i i. i�!�l:C'hil f1 li-I � �! ' �I r_,rto, - ..i c,l ,� � � _..__..... ... .. .. . .. . .,:,n1_ ,. �)I( ir, � � . . . . Porm MAP LOC—"WinTOiAC appraisal sottware by a la motle,inc—7-B00-ALAMODE Subject Photo Page Barrower Estate of BeH 2ei ler � Pm e AUqress 4 Easiwood Dr C' G d' I Caunry C mberlantl Sta�¢ PA ZiOCaae 170t5 _ Clien� Estate of eett A.Zie ler Suhject Front 4 Eastwood Dr � - �. ' �jVY 5 r��`'?:� ,µw;� s: i � �.4�' r., � 1� ��! � �� r� �� ,i G?i'i��S�r��&�'�q�,'�I' ��11117pN��;��, �1P��f�4�' ��iIV;��lll{f,91 + ��I � i�l �i ; �� , � ��il, Suhject Rear � � �,� � a;,z,u �'� t .�,tia c 2.:� + � .; s �," ... � �^�; �' P,.: J v 21.�: r , �#. � �� _: � Suhject Street ��j� � ��; j_; � „ � . a •��.. � i�:.: .�� i�c 9� . k� i 4. � �� $.-�� . . ...- � W .. + v�S a..�"r"'�^' YyF .._ � . Fortn PICPIX.TIi—'WinT0T0.0 appraisal saftware 6y a la maae,mc.—1-800-ALAhIODE i i i . � � n 'F`r j� � �N� h � � '� v 1 ] � t 9 41 ' (,sr � t✓! � t � z � � � � a`/� �� `„) � � ti ti ` � �x� ,. a :.\ ` .yt; . � N �.- �� ,li�: ` � , .,;.;� � ; � ,.� � ��i�-r ;�, '�� ^ y - --�"" ; � � ;_ "�,%�;��, � �,, t 4 ; ,., � r : � �� a��: �', � x , }�iq�r r'F�ro ,��.._ �' 3Y �'%t'ry,,.„u'� ,�L "'�Fi . '+�' � �,� I.�..4 t � Y' x x .� mi.x `g ��^�'�t+�5��4N°"��.�q,��,�";� +'� "dY 3d :`^4i , r�� M�.y� � � F;.'n +�''� 4 �.....�£2'�.r�f�ay��y�j�� ""3^�,'W"' � 9,W� - y �'�°'. �.u.�.J�# ��.1r�y�c��f��'i µY't : �'±v �. .. y.l��v�),u�'tt'1P1J1'11• 'F . � �� ,�r�`�"� 4; .� � � � - -'� ,�;^' „� ' "�a ;�` � � �,.:�� . w . �xZ�.xi.i "�"�,� "e `��has�j» „�. s�a_, ,. .� ; i� , i� Comparable Photo Page Borrower Estate o(Bett 2ei fer ' Pm e AtlAress 4 Eastwootl Dr � C I I Courtly Cumberlantl S�a�e PA ZipCOtle 77p15 Clietrt Estate of eett A.Zie ler • Comparable 4 �r'�. 152 Brintlle Rd cciC ,4j 1 l" � s +6 � . �.-� � fic � �� : r5 • —. k: � y, 'F� -�� Comparable 5 Comparable 6 Porm PICPIX.BR—'WinTD1AL"appraisal sWlxare Dy a W mode,inc.—7-B00-ALAMODE OEFINITION OF MI1flKEf VAWE: Tne mast pmbaele pnce whicn a properry sMUld brmg in a campeutive anU upen market untler all conAieons aquisAe to a fair sale,the nuyer antl sener, each acting D�uaenny, knowletlgeanty an0 assuming Ne pnce is nm aflec�etl oy u�ue sumulus. implicit in this OeAnitlon is Ne consurtrcnation o�a sale az of a specitiea tlate an0��e Oassing of We irom seller�o huyer under conUNOns wtierehy: (1) �uyer antl seller are rypically motivakA;(2)hoM pames are well iMOrmeA or well ativise0,antl eacA acting in wM1at he consitlers Ais own Aest imeresf,(3)a reasonaUle time is allowe0 for erposu2 in the oDen market;(4�paymerrt is made in terms N cash in U.S.dollars or in lerms ot financial arrangemenis comparable iherelo',antl(5)ihe pnce reDmsents Ne normal cansi0eration for Ue pmperty soltl unaitecteA by special or creative fina�ing or sales concessiuns' grantetl �y anyane assocutctl with ihe sale. 'AUlusimeirts W Ne comparahles mus� 6e ma0e for s0ecial or creative financing or sales concessions. No adjusMenU are necessary for Ihose cosis which are narrnalty paM by selkvs as a resud W iratlPoOn or law in a maBet area; t�ese costs are readiry iden6�ia�le since me selkr pays Nese costs in vitlually all sales vansactions. Speclal ar creafive financing aAjustrnems can be matle to tl�e comparaWe OroP�' �y compensons ro �inanciig terms olteatl 6y a thiN DaM instlWponal lendu that is nat alreaAy involvetl in the pmpeM or transactlon. My adlushnent sAou10 nN be calcula[etl on a mechanical doilar tor Eollar cost of IAe financing or cancessmn but me tlollar amount ot any aO�usOnent slwultl apPmzimate Ne maAePS reac�ion lo iha financing ar concessians basetl on Ne appaiser'sjudgemem. STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION COIITINfiENT AND LIMITIN6 CONDITIONS: T�e appraiser's ce�dication Oiat appears in me appraisal repon is subjeci m Ne fallowing condAians: 1. The apProiser will not he asponsiLle/or matlers of a legai naNre 0at attect eilher ihe praparry�eing apWaisrA w me iNe Ia A. The apptAiser assumes ihat Ne�tle is goaA aiM maACeta�le antl,Nerefare,will not renCer any opinions a6out�Ae title. TAe O�operty is appraise0 on iha 6asis oi it heixg under responsible ownersMp f. The appraisar has pravNetl a sketcA io Ne appraisal repor!ro show appratimzie Nmensians M fie improvemems antl Ne sketch is inclu0ea only ro assis� tl�e reaAer oi ihe repon in visualizing Ihe O�Pehy and understanUing ihe aDP�aiseYS dete�minatlon M As site. 3. The appraiser has eraminetl Ne available ibotl maps Nat are pmvidetl 6y the kAeral Emergency ManaAemeM Agency(or other tlata sources)anA has no@tl m ry�e appraisal report wh¢ther Ihe subject site is Iocale0 in an ide�fieU Special Flootl Hazartl Area. Because the appraiser is not a surveyor, he or sAe makes no guaramees,eryress ar imDlie4 ragarding tAis tleterminaVan. 4. The appraiser will not give testlmany or apDear in court becwse he ar she maAe an apP��sal ot the Oroperty in quesuon,unless specAic arrangemenis lo Uo sa hace been rtwAe be�orehan0. 5. The a00�ser has estlmated Ure vNUe d Ne lantl in the cnst apDmac� at ils highest antl oest use anA Ne imD�ovemems at iheir coiroiUUmry value.T�ese separale valuafions o� me lantl and improvememx must not 6e uuA in conjunction wM any other apOraisal anA are invalitl A they are sa useA. 6. The appraiser has noted in �he aOD�aisal reDOrt any a0verse con4NOns (such as, neetlea repairs, Uepreciation, Ne presenca o� nazartlaus wasles, tadc su6sta+wes, etc.) obserretl during tAe inspection o�Ne su�ject pmpeM or fiat he or sAe became aware ot Ouring Itie normal aseaah imolvetl in peffoiming ihe a00��sal. Unless otherxise siatetl in Ihe appraisal repo4 Ne app�aiser Aas na knawledge o� any hiAdan or unappareM conAfions,pf Ne pm0erty or ativerse anvimnmental contlAions (including�he presence M �azartlous wa5tes,taric su�s4nces, etc)Nat woNU make Ne pmpeM1y mwe or�less valuahle, antl has assumed iha� ihere are na sut� contltllons anA makes na guazamees or warramies, e�ress m knpNeO, repardig tAe ca+MNOn ol tlu WWeM� The appaiser will na 6e responsible far any such cantlifians Na� tlo edst or �or any engineenng or tes�ing tt�at mlgM be requiretl m discover wAether such candifions epst. Because me appraiser is rmt m expert in Ihe �ieM ot envucvuneniL hatazus, the apprzisal apo� must not he considere0 as an emimnmental assessmerA N Ne Oropehy. 7. The appraiser oblaineU Ne irrtormaGan, estimates, anA opinians mrt were e*yressetl in Ne aypraisal repon irom sources t�at Ae or she cansi0ers m be reliable anA 6m5eves ttrem ta 6e hue arM conec[ IDe appraisu does not assuroe responsi6iliry for tAe accuracy N such dems tAat vrere fumished Uy otlier paNes. e. The aOPraiser will nm Uisclose Ne coments oi me apD��sal repae eeceD� as O�aviAed for in Ne UnBOrm StanOards at Professional ApO�aisal Practice. 9. The apOraiser has hsse0 his or her appraisal repotl an0 valuafiotl canclusion �or an app�aisal iha� is su�ject to satisfactory campletloq repairs, ar alkrafians an Ihe assum0��at canpkiwnW ihe improvemer�s ww 6e pertortnetl in a vroBmanlika manner. 10. The approiser must pmvitle Ais or her prim wr�n canseM be�we tlie �entlu/c6ent specifiea in Ne appraisal report can Oistribule the apDraisal repon (inclutling canclusians a�out Me propeM ��ue, Ne aODraisefs iUeiNty ailA professianal Aesignatlons, antl reterences ta any prNessional apptaisal aganizatlons or me ikm with whitA ihe appniser is associateA)to anyone atha IAan Ne bortower,Ihe matgagee or tts successors ana azsigns�,Ne mortgaqe Insurer, cansuAaMS; pMessional appraisal organiza6on5; any spte or fe0erally apOro�d tlnancial insNUtion; ar any depaNneni, agancy, 6r instrumenqliry oi Ne UnAeO States or any state or me Disfict ot ColumUia;e�ept Nal me IendN�clkm may Aistribute tlk proper[y descnptlon sec�on oi pie apoM1 only tu tlata callecfion or repoNng service(s) wiNOUt haNng m obtain me appraiseYS priar wrdten cansen[ The applaisets written consent ana appmval must also be oU�zine0 6elore ihe apP�aisal can Ge conveyetl Oy anyane to t�e pu�lic tAmugA adveNSing, Oublic relations, news, sales, or other me0ia. FaAdie Mac Form 439 6-93 Page 1 of 2 fannie Mae farm 1004B U93 OivarsilleU Appraisei Services Form ACF—'WinTOTAL"appraisal sottware by a la maAe,inc.—b800-ALAMOUE APPRAISER'S CENTIFICATION: TAeApprtisercenAiesantlagreesihat: 1. t have asearchea d�e sublact market aaa antl have seleqe0 a minimum al Nree recent sales af properlies most similaz antl proximaze ro t�e su�ject pmpeiry for co�sitleraUan in ihe sales com0adson analysis anJ have matle a tla�lar aOjusOneM wAen appmpnate to Mlect ihe market reacfian to tAOSe ttems of siqnificant vanatlon. It a significant item in a camparable O�oOehy is superior to,or mo2lavarable Nan,t�e su6ject O�PeM� �have matle a neqabve atlprstment ro re0uce Ne a0lustetl sales pnce oi ihe compara6le anA,tl a signOicaM item in a compa2ole pmpe�y is infenor ta,or kss favo2Ule ihan ihe subjecl pmpwry, I Aave matle a pos0ive atllusimem to increase ihe adjusle0 sales pnce N Ihe campareMe. 2. 1 have taken iMO consi0eratiwi ihe factors that have an impac[on value in my OeveloOmeM of ine estimak at market value in t�e approisal report. i have not knovniqly vriNhelA any significaM informa�on imm ihe appraisal report antl I betieve,ta Ne hest ol my knowletlge, tAal all sbtemeMS anA informa6an in Ne app2isal repon are hue and correct. 3. I staletl in Ne appraisal raport only my own persanal,unDiasetl,an0 pmfessional analysis,opinwns,antl conclusians,whic�are subject only to ihe cantingent antl limiling conditlons specified in this fmm. 4 I have iro presant or pmspective irhemst in me prapeM�Aai is Ne suUlect to ihis report,antl I nave no pasem or pmspec6ve personal irAerest or bias wM respect to Ne paNCipams in ihe transactlan.1 Aid na�base,eitAer paifially ar completely,my analysis antl/or the esfimale M market value in ihe apOraisal apon on Ne race,color,religbn,seX han0ica0,�amilial status,o�natlanal ongin oi eMer iha pms0ecfive awiro�s ar cecupanis o�Ne suhject DroPairy or ai the present owners or accu0anis ot ihe pmperlies in Ne vitinity of t�e sublecl pmperty. 5. I have no preseM or coirtemplakA fuArce irMerest in�Ae subject prnpeM,��W my curreM or fuWre empbymem nor my comDensation tor petlorming��is appraisal is contlngent an Ne appnised value of t�e property. 6. I was nm requireA to repon a pretle�ermine0 value or Airactian in value t�at favars Ne cause oi ihe clieni or any relahU paM1y,tAe amouM o(ihe value esOmate, Ihe attainmeni of a specAic resutt,or ihe occurrence at a subsequem evem in oNer to receive my com0ensatlon anNor employmerA far petlorming Ne apD��sal. I di0 nN Uate the appraisal repotl on a requeste0 minimum valuafion,a specAic valuah'on,or me need N apprave a specific martgage laan. 7. I peAormed Nis appaisal in canfmmAy wRh tAe flnAarm SkrMards W VrWessional ApWtisal Practice ihat were a0opteE antl promulgate0 by Ne Appraisal StanAards BoarA at The Appraisal PounAaAan antl ihai wea in place as of ihe eXacfive date oi ihis appnisal,wM ihe eKCeptlon ot ihe tlepanum provision N Ihose Slandards,which tlaes no�apply.I acknawleAga thM an esOmate oi a auonaUle Gme tor eryosure in G�e open maMel is a wnAi�an in me tletinitlon ut market value an0 ihe esfimate I tleveloped is consisknt wM the marketing Gme noteA in ihe neighborhootl sec�ion o� Nis apart, unless I have olheiwise sha�eA in the recanciliatlon section. �� 8. I have personally inspecteA ihe imerior and exferior areas of Ihe suUject pmperty anA ihe epenar N all propemes listed as compara�les in Ihe appraisal re0o�t. I�uMer ceNty Nai 1 hava nated any apparent m krrown ativerse cond'iCons in ihe subjeIX improvemenis, on me subje,^.t stte,ar on any site vnihin Ne immetlia@ vicintty oi Ne subject prapeM1y at wAich I am aware anU ha�e ma0e a0lusMenis for mese a0verse condi�ans in my analysis al me O�opeM value to ihe etterrt mat I Add f11Nke�eVIdC�ICe�o Su�Nf�IIPVII. I IldVe 215o cOmmeMeU 2GaN ltle enCCi pI tlle adV¢fse Colldltlons On the 1118fk9G�i1Ky 01 tlle SuUl8t1 pfa0E1Ty. 9. I personally prepare0 all cancWSions and o0inions ahoN Ne real esta[e Nat were set�oM in tAe appraisal report. It I relieG on significant D�essional azsistance fmm any inAivitlual or inUividuals in me pedormance o�Ne appraisal or ihe preparaeon af the app2isal report, I have namM such iiMiwdual(s)arM tlisclosed the spectlic Wsks pedormed by Nem in Na reconciliaGOn sectlan ot ihis ap0�sal repoR. I ceNfy ihat any iMivitlual so nameA is qualAietl m pedorm Ne hasks.I have not auNOriuO anyone N make a c�ange to any pem in ihe�epart;Nerelae,A an unauNOnietl change Is maUe N the appraisal reDorl,I will take no responsibiliry far d. SUPERVISORY APPRAISER'$ CERTIfICAT10N: I� a suDe�isory app2iser signe0 Ne apOraisal report, Ae or sAe ceMies aiw agrees ihat: I tlirectly supervise Ne app�aiser wha prepanU tlu appraisal repM,have reviewed ihe appraisal reDOrt,agree wiN me slatemerAS antl canclusbns oi tAe apD��ser, agrre�a�e 6aunU by Ne appraiser's cerAlicalians numhereU 4 mroug�7 ahove,antl am kking full respansiblliry tor the appraisal and ihe aOD�isal report. A�DRESS OF PNOPERTY APPMISEU: 4 Eastwood Dr Carlisie PA 17075 pPPRA1SER: SUPERYISORY APPRAISER (anly if raquiredj: g�a��re: SiqnaNre'. Name'. olaer Name'. Date SigneJ: 02/07f2073 ��A�� State CeNficatlon d: R1.000659L SYate CeN�icalbn#: or Sfa�e Lkense#: or State License#: SWte: PA State� E�piratlon�a�e M CenAicanon or Lkense�. O6/302013 5miratlon Date of Cemlicatian or License�. ❑�i0 ❑ Oid No[Inspect Roperty FreGOie Mac Fam 439 fi-93 Page 2 0�2 Fannie Mae Fnrm 1004B 693 Form ACB—"WinTOiAL"appraisal sof(wa2 6y a h moAe,inc.—1-80PALAMWE �=�- _ _�. —�rr � r� 7._.�"-� � �.'- � `_'�: r _.��_'t`� _ - � (�ununun��r.dtli oF Penns�lv:�nia i�' ll c � .; �_$ � 1 � Uepartmcui of ltate Bureau ul Prulcaoiunal nud Uceupntiunal a(Pnir. PO Bu� _'0��yar e'i�bur� P 1 UI115-26JY C-['fiillGUe�(��)c ( clli[iCdlo 1CiI1P Certified Residential Appraiser /a�tive luili:d l cililicaliuli ll:ilr iz�oz��9s� SUSAN 88URKHOLDER < r1'Iilic:Itr 35 EAST HIGH STREET \iy��t��.� CARLISLE PN 17017 RL000659L ��aN°�1p1° ��"�� 06�3Ui2013 ` � — ._ ..._ -L� .1;� � ,, ..... . � u ;,r - _ . Fortn SCA—"WinTOTAL'apprtisai software Oy a la moAe,inc.—1-A00-NLAMOOE . . - .�........ .....��.nx�Y7 rnn: I11L4Uu�LC ��• �°�� Apr. 15. 1013 9:42AM ALLSTATE 1N5URANCE�(`� No. 7102 P. 2 � � - � Ailstate. Yow�'e In�ood han�. Aprfl 15,2013 � Josiah J.Zaipler 6 EaelYwod Drive Cfldi819, PA 17015 � Re: BettyAZeigler � � Corttract No: GA272868 Dear Mr.Zelgler. , We reeeived a roqu�t to complete IRS Fortn 712 for ths above roferencod contfact. The purpocC of Form 712 is ta provide an estate or domr wilh 1he vdue of a I'rfe inswance contract or ils proceeds as of a celiein . dam(usualy ttre owner's date of death or daU aF transter ol tho eor�ract). . BeCause t�iie 1�ron�fad i9 9n ennuihl, it is not reporfable on IRS FoITn 712. I can, however, pmWde tl�e `following irdortnaCwn for�purposes: � Date of Death: Januarye.2or3 Mnuity Value a6 Of D9tE ot DBeth: 9 4,182,7d• Cost Basls: S 3,873.90 � Named Ben�iciary. . Mna May Zeigler, Ehner. J. Zeigler;, Josiah J.Zeigler,Kermeth E.Zeiglsr Jr.,&Llnda K Delteh. "The actual emouM peid may di(fer due to Market Value A�usiments andlor any applicable Surrender , . Charges. • H you hsve ary questione�plaese contect me st 1-877-489-641 B Ext 24794. . Sincerely, � � BohbiJo Seveska Sr,Claim Exeminer --- �---- • �_...,_�.-�-----htlst�tNeiem�ocCanPonY------ �-�------ , LJfe�nd Annuily CWIns � ' � P.O.Bmc 94212,PalaNne, IL 80084�4212 Pllone 877-48�-6418 Fau 886-6354623 . � 219 NoAhHanoverSheet � , , Carlisle,Penns/Ivania 17013 717.243.4511 � toll free 1.866.451.451 1 �� fax 717243.3723 wwwhoffmanroth.com FUNERAL HOME dZ CREMATORY, INC. intocmhotrmanrom.com February 1, 2013 Josiah J. Zeigler II 6 Eastwood Drive � Carlisle, PA 17015 � Statement of Funerel Expenses for. Betty A. Zeigler Date uf Death: January 8, 2013 Account Id: 16761-006 PACKAGE: Tradition8l Funeral Service , TRADITIONAL FUNERAL SERVICE PACKAGE $ 4,850.00 Sub Total: $ 4,850.00 MERCHANDISE: Casket: Christian I! $ 3,060.00 , Outer Contai�er: Cave Proof Box $ 1,175.00 Credit For Vault $ -1,175.00 Sub Total: $ 3,060.00 , TOTAL FUNERAL HOME CHARGES: $ 7,910.00 CASH ADVANCES: 30 Certified Death Certificates at$6.00 each $ 180.00 Newspaper Notice-Sentinel $ 261.84 Newspaper Notice-Patriot $ 339.77 Clergy $ 100.00 ; Flowers $ 212.00 � Hairdresser $ 40.00 � Add9 Flowers $ 58.30 Organist $ 75.00 ', Sub Total: $ 1,266.81 � Totat Funeral Expense: $ 8,176.91 Payments Made; Balance: $ 9� SERVING OUR COMMUNITY SINCE 1907 � � • • • •• : • • � • � � • • ' Payable To: MARY A MURRAY,TAX COLLECTOR Office Houre: MAR-DEC;MON 8.WED 5PM-7PM 1375 CREEK ROAD SPEC HRS:4123,4130,8127,8@9 5PM-7PM BOILING SPRINGS,PA�17U07-9656 ' '�ri CLOSED 4N,M3,SN9,8/21 - ' �� AFTER 12/5 CASH Bill No: 2636 PHONE�717)258-6420 �- �� ` 8ill Date: 3N/13 Control No� 22000052 � MAP N0: 22-09-0537-015. �r�p�-� ...:; . 'i;l] Cesc: �30�W TRINDLE ROAD � ssessed Value: Preferred Land:18,400 Im rovement:137,700 Total:156,700 - Discount Face ena LOT 1 PB 82 PG 121 ;i F., ' . ... �-• Acres 22.61 Deed 0032KOUT50 - � CountV RE 2.137 $326.00 5332.65 � - Co�inty�Lib" -0.143 $21:87 � � $22.32 $24.55 ��"�II"��'e��" � Munic.R/E � _ 0.221 SS3�:81 _ 34.50 SS7.95 �II I�III IIIII lelll li� F�re Srvs 0.304 $46.50 547.65 $52.20 $1.00 FEE FOR ADDITIONA!_RECEIPTS Tax Payer: ZEIGLER,BETTY A TAX AMOUNT DUE $428.18 $436.92 $460.82 4 EASTVJOOD DR 511/'13 thru 6/90N3 7 3 CARLISLE PA 170'IS-9799 If Date Of Pa ment is on 3 1 � as��9 ��• •. � . TAX PAYER'S COPY- KEEP THIS PORTION FOR YOUR RECORDS � . � ' � � • ' • . � � . Payable To: DEBRA BASEHORE WIEST,TAX�COLGECTOR� Office Houre: MONDAY 9-02;TUESDAY 9-N AM 288 WOODS DRNE ALSO 4124 8 4130,4-T PM MECHANICSBURG,PA 17060•2635 CALL FOR HOURS AFTER MAY 1 Bill No: 6833 PHONE(777)697-7294 Bill Date: 3NN3 MAP NO: 38•09-0636A07. Control No: 38001129 Desc: ��0 W TRINDLE ROAD Assessed Value: Preferred Land:59,900 Improvement:'168,200 Total:228,700 LOT 1 PB 89 PG 8 � DiscouM Face Penalty Acres 80.36 Deed 0032K00750�� uMy RE 2.731 5476.36 $486.06 5534.B9 � - County Lib 0.143 537.97 $32.62 $35.88 I��p�Ip��II�yH �q��,O� �punic.RlE 0.8045 5179.84 8183.61 $201.86 III IIIII IIIA � � y .•' Tax Payer � •� ZEIGLER,BETTY A ��.'� 5668.17 $702.27 $772.43 a EASnrv000 oR ; TAX AMOUNT DUE CARLISLE PA 170153799 A`�• If Date Of Paymerrt is on 311N3 t 5/7113 thru 6130/13 711N3 or Later 7o review the assessment data for this property,go to: www.courthouseonline.com>AssessmentOffice>CUmberland>PropertyRecords. Then enter Control# 38001129 and password CUKPMCJN TAX PAYER'S COPY- KEEP THIS PORTION FOR YOUR RECORDS � . , . . •• � r • � � Payable To: DEBRA BASEHORE IMEST,TAX COLLECTOR Office Houre: MONDAY 8-72;TUESDAY 9-�7 AM 269 WOODS ORIVE ALSO 4Y14 8 4/30,4-7 PM MECHANICSBURG,PA 17050-2635 CALL FOR HOURS AFTER MAY 1 Bill No: 6832 PHONE(777)897-1294 Bill Date: 9/1N3 MAP NO: 38-09-0537-012. Control No: 00575680 Desc: W TRINDLE ROAD essed Value: Preferretl Land:43,000 Improvement:0 Total:43,000 LOT 2 PB 92 PG 122 � Discount Face Penalty Acres 62.48 Deetl 0032K007 n Coy�nty RE 2.131 $89.80 $81.83 $100.78 � ti y ObuMy Lib 0.143 $6.07 $6.15 S6.77 IIIIIII��I�IIIIII�I�� Munic.RlE 0.8045 $33.90 $14.59 $38.06 \� fr Tax Payer: � �.� ZEIGLER,BETTY A �� 4 EASTWOOD DR � TAX AMOUNT DUE �2s.�a atsz.a� S�as.s� CARLISLE PA 17016•9799 If Dale Of Payment is on 3/11�3 thru 3 5N113 thru 6I30I73 711/13 or Later To review the assessment data for this property,go to: www.courthouseonline.com>AssessmentOffice>Cumberland>PropertVRecords. b O T O O O b 1-' N N O d O'i �M � N w � J N t H � d H � O O M d Z � Z �� ^ _ C Q m m U � W O O O � O LLM N ° M U ' "' „ W � � « . �y M ii O "' } - Q � � � a � W � � a � � LL a�w N � � w pa�' O � Wpa o � ` � ti � r � f'M�' p') � �ao � p ' ro x �, a • >�o (/� .. Z O.� � o � �QU Om F-'c a . � Zv W � o � � a = a Oa Y � � � �� °o c�i � : x d p, � o � 0 VO a '� �`. 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