HomeMy WebLinkAbout07-30-13 (2) J 15�5610105
REV-1500 EX(oz-v)(Fl)�
OfFICIAL USE ONLY
PA Department of Revenue PmnsylvaMa
Bureau of Individual Taxes `"""� ""�� Coumy CoOe Year Fde Number . ,.
Po aox zao5o� INHERITANCE TAX RETURN ^ , I� /y1G �
HaMSburg PA i9u6-o6oi RESIDENT DECEDENT d—� W ��
ENTER DECEDENT INFORMATION BELOW
Social Secudly Number Dale of Death MMDOYYYY Date o(Birth ... MMDDYYYY
01/01/2013 � q �O ��,7 ,
Decedent's Last Name SufFlx Decedent's Firat Name MI
DARRAH _ __ JOHN F
pf Applieable)Enter 3urviving Spouse'a Informalion Below .. ..... ..... ....... .. ... . .. . .. .....
Spouse's Last Name Suffix Spouse's Firet Name . . . . MI..
Spouse's Social Securiry Number �� ��� ��
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
_ ! REGISTER OF WILLS
FILL IN APPROPRIATE OVAL$BELOW
m 1.Original Return O 2.SupplemenWl Retum O 3. Remainder Retum(Date of Death
Priorto 12-13-82)
p 4.Limited Estate O 4a.Future Interest Compromise(date of O 5. Federal Eslate Tax Return Required
death aker 12-12-82)
� 6. Decedent Died Testete O 7.Decedent MaiMelned a Llving Trust 0 8. Total Number of Safe Deposit Boxes
(Attech Copy of WII) (Atlach Copy of Tmsl)
O 9.Litigation Proceads Received O 10.Spousal PoveAy Credit(Date of Death O 71. Electbn to Tax uriQet Sec.91'L�.)
Between 12-31-91 and 1-1-95) (0.�Rach Schedule� � m
CORRESPONDENT- TXIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONflDENTIAL TA7!INFORM9R10 ULD B6DIRECT[IDTQa
Name DaytimF7elepfione Nu,m�i-er ;> =-Y
,. . . . . .. .. . .. . . . . .. ... ... .. � C.-.r- ....._. � .. ,�..
WILLIAM C. DISSINGER (717) 7x9474 �-a `" '
_ _ �-., , _
o , �s
R � ISTEROFNAILSUSE i�IVY-�
��,. r_. _. _�� �
_ _.�
- � f?
Firel Line of Address <._� -- 'rt
" __
400 SOUTH STATE ROAD � � cri �' °
_ -- c;� �7
Second Line of Address �
City or PoSI Office Slate ZIP Code DATE PILED
MARYSVILLE PA 17053 '
CortespondenYs e�mell address:
UrMer peneNes of per7ury,I tledere that I have examine0 Nle retum,Including eccompeirying uhetlules entl ctetemeMe,antl b the beat of my knawledge end bellef,
It is We,carecl e�M compbte.Decleretlon of preperer other than the pereonal repreaentative is Dased on all Inbrmelbn ol whlch D�aDe�r hae airy kiwwledge.
S+GNA E�OFjpERS,OdN R�SPONS F �LINGO�T}�RN �� Z Y/ZC�13
./�� / U
D ESS
4 TWILIGHT LANE, DUNCANNON PA 17020
SIC+NATfU,R�j OF ARER R EPRESEMATIVE DATE �i,
�'(/� � j a.il.�..�i � �����L
ADDRESS
400 SOUTH STATE ROAD, MARYSVILL , PA 17053
PLEAEE USE OR161NAL FORM ONLY
$ide 1
� 150561�105 1505610105 �
�� •
J x505610205
F2EV-15Q6 EX{FI)
6ecedent'x S�ial Seai�rity Numbas
oeeeaenrs Nama: '
RECAFlTULATION
t. Real Estate(Schedule A). .... .......... .............................. 1. '.�.. 157,000.86 '�,-
2. stocKs srx7 6or,as{scnadule 6> ....................................... 2. �:.....! 4,145.4$ !.
3. Closely Heltl Coryoration,Partnershlp or Sole-Propdetorship(Schedule C) ..... 9. '���, 0.00 !�
..._. . ..... _._. . ._..,.
4. Mottgages end Nates Receivafale{$chedula Q)........................... A. �. 0.04 �'.
5. Cssh,Bank Deposits and Miscellaneous Perspnal property(Schedule E)....... S, �'��.. 182,57029 �
.._........ ........ ... . ._..... � . .....,_,.....,
8. JanUy Owned Property(Sohedule F} O Separate BiNing Requested ....... &. � O.QO :.
7. IntervVivos Trerefers&Miscellaneous Non•Probate Proparty '"..�.�_ '....""`" ..°.... . . .""..°�.
(SChedule G) O Saparete Billing Requested..... .. 7 � 0.00 .
8. 7oUl Gross Rasats{total t.ines 1 through 7)............................. 8. ,. . . , .. . .. . 343�s85.77 ,'''.
9. Funerel Ezpenses and AdminislraUve Costs(Schedule H)................... 9. '���.. 4�,�79.82 ��..
iD. Debts of PeceCent,h7ortgsge LiabNities and Liens{Schedute i)............... 10. � 12,290.44���.�!..
_,..... . , , . __. .__._. . .,, .___ �
7t. Total Deduetlons(total Lines 9 and 70).... ..... ... ........... ..... . 1L �, 52,370.26��
12. ket VaWa ot Estate{Une 8 minus I.ing 11} .............................. 12. ��. 291,285.51 .�:
13. Charitabie a�d Govemrrrentai BaquestslSec 9113 Trusts for whkh -_..... . „�.____...._ , . ..�_,. , ......
an election to tax has not been made(Schedule J) ........................ 13. '��.. O.OQ ����..
...._... .�_,......_..... ........._..._.... ....,._.....,.
tA. Net VaWa Subject W Tau(Line 12 minus Une 13} ..................... .. td. I 251,285.51 '�.
TAX CALCULATION-SE8 INSTRUCTIpNB FOR APPLICA6LE RATES
75. Amount of Line 14 taxable
at!he spousal tax rate,or
Uansfets under Sea 9116 .. . . . .. . . . , . . . _.
(a){t2y X.0_ O.OQ , 15. OAO '
_.....,... __. _.. _ _ _...
78. Amount ot L�ne 14 taxable �� '�" ��
et�inea�rete x.045 291,285,51 ' 16.! 13,107.85 ''
�..w_..� _ _�.__. , .___. n...,_ �_ � __�_. . ._..__ , __._ .._ __w_.., i
57. Amount pf Une 16 fa�ca6te
at sibiing rate X.12 ' O.QO ; 1Z . Q.00
�,.,,.,.. _...... . . ........_..... . .
78. Amount of Line 14 taxa4le
at conateral rate X.15 0.00 ' t8. 0.00 ',
_ _.. .
19. 7AX DUE .............. ..,......... ....... 19. - �$�107.85 �'�
........................
20. PILL IN THE OVAL!F YOU ARE REGttlESTIH6 A REPUN6 OF AN 6VERPAYMENT p
Side 2
� 1505610205 15056L0205 J
— ■ i �
•
REV�1500 EX(FI) Page 3 FIM Numbsr
Deceden#'s Complete Address:
DECED NTSN E
JOHN F. DARRAH
STREETADDRE5S - ' ._ _...-------
4 HILLCREST ROAD
__ ---- -- -
Cm — srnh __ �P
ENOLA PA 17025
Tax Fayments and Credi#s:
1. Tax Due(Page 2,Line 19} (1) 13,107.85
2. Credits/Payments
A Priw Payments 4.4�t
B.Oiscount d.00
Total Credits(A+g) (2) 13,107.85
3. Interest
(3} 0.00
4. if Lirre 2 is greater than Line 1+line 3,enter ihe difference. 7his is ihe OVERPAYMENi:
FIII in oval pn Page 2,Line 20 to requeat a refund, (4) 0.00
5. If�r�1+t.irre 3 ia greater ihan�i�e 2,e�the diifarence.Th�is the TNC dUE. {5) 13,107.85 (
Meke check payable fo: REGISTER OF WILI.S,AGENT.
'��1�4!�i �?. " ��s���t��l�; . �I��€� °�°� ���'�N�.��3�� . , � , �������Ui;`
PlEASE ANBWER THE FOLEOWING QUESTtON3 BY PtAGING AN "X"IN THE APPRQPRIATE Bi.00KS
1. Did decedent make a transfer and: Yas Na
a. retain the usa or incortre of the property Wansterred.......................................................................................... ❑ �
n, retam n,e ri�,t To ae�gnate who sna8 use me property usnsferrea flr im ir�................_.._............._....... � ■
c. retain a reversionary interest.............................................................................................................................. 0 �
d. receive the promise for life of either paymenls,benefits or care7...................................................................... � �
2. if death occurred after Dec.12,1�2,did dear4eM transfer Property wi�hin one year of death
withoN receiving adequate caisidaratian?.............................................................................................................. ❑ �
3. Did decsdeM own an 9n W st for'or payab�e•upon-death bsnk aawunt or security at his pr her death?.............. � �
4, Did decedent axn an individual retlrement axaunt,annuily or Wher non-prohate property,which
contains a bene�iciary des�natian? ................................._..,........................................................._....................... � �
IF THE ANSWER TO ANY pF THE A90VE QUESTIONS IS YES,YOU MUST COMpLETE SCHEpULE G ANp FILE IY AS PART OF THE RETURN.
Far dates oi deaitr oo w after July i,1994,and before Jan.1,1995,ttre tax rate imposed on ihe net value af transfers ta or for the use of the surviving spouse
is 3 percent[72 P,S.§9116(a)(1.1)(i)J.
For dates of death on a afier dan. 1, 1995, the t� rate impased on the ne#value of Vansfers to or for the use of the surviving spouse is 0 psree�t
(72 P.S.§9116(a}{1.1}(ii}].The statute does not exempt a transfer to a surviving spause from tax,and the statutay requiremeMs For disclosure of assets and
filing a tax relum are still applicable even if the surviving spouse is the only benefiaary.
For dates of death on w aRer July t,2000.
. The tax�ate imposed ai the net vaiue of hansfers from a deceased chiid 21 ye�s of age or yaunger st death to or far the use af a naturai pareM,an
adpptive parent a a stepparent of the chhd is 0 percent[72 P.S.§9116(a)(12}).
. The tax rate imposed on the net value uf transfere W or for the use of the decedenfs linea!benefiaaries Is 4.5 percent,except as noted in[72 P.S.§9118{a}(1)].
: 7he t�rate imposed on the net vaiue of hansfers fo or for the use of the decede�t's sibGngs is 12 percent{72 P.S.§9118(a)(1.3)].A sibiing is defined,
under SecUOn 9102,as an individual who has at least one parent in common wiN the decedent,whether by blopd or adoptipn.
REV-1502 E%+ (12-12)
� pennsylvania SCHEDULE A
DEPARTMENT OFREVENUE
[NHEWTMlCETN(RENRN REAL ESTATE
RES[DENT DECEDEM
ESTATE OF: FILE NUMBER:
JOHN F. DARRAH 21-13-0090
All real property ownad aolely or ac a tenant In common must be reported at fair market value.Fair market value is de8ned as the price at whirh property
would be ezchanged between a willing buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevan[fads.
Real property that Is jolntly-owned wllh riqht ot aurvlvonhip must be dialoxd on Schedule F.
Attach a copy of the settlement sheet if the property has been sold.
1TEM Include a copy of the deed showing decedent's interes[if owned as tenant in common. VALUE AT DA7E
NUMBER OF DEATH
DESCRIPT[ON
1• Real Estate located at4 Hillcrest Road,Enola,PA 17025(Appraisal Attached) 157,000.00
East Pennsboro Township
TOTAL(Also enter on Line I, Recapitulation.) ; 157,000.00
If more space is needed,use addi[ional sheets of paper of the same size.
flEV-i5o3 EXt(8-u)
�pennsylvania SCNEDULE B
DEPRFiMENfOFFEVENUE
INHERITANCETAXRETUHN STOCKS & BONDS
RESIDENf DECEDENT
ESTATE OF FILE NUMBER
JOHN F. DARRAH 21-13-0090
All property JoiMty owned with right of wrvlvonhip must be disclosed on Schedule F,
ITEM VALUE AT DATE
NUMBER DESCRIPRON OF DEATH
1' 74 Shares of Prudential Pinancial Common Stock($56.02IShare) 4,145.48
TOTAL(Also enter on Line 2, Recapltulation) ; " 4,145.48 '
If more space is needed,insert additional sheets of the same size
REV-15�IX+(o&iz)
�i pennsylvania SCNEpULE E
��� DEPARTMENTOFREVENUE CASH� BANK DEPOSITS 8e MISC.
INHEN(TRNCETA%RETU0.N PERSONAL PROPERTY
RESIDENT oECEOENr
ESTATE OF: FILE NUMBER:
JOHN F. DARRAH 21-13-0090
Inciude the proceeds of Ifdgatlon and the date the proceeds were received by the estate.
All properry�olMly owned wfth�Ight of survivorehip must be diselosed on Schedule F.
REM VALUE AT DATE
NUMBER DESCRIP110N OF DEATH
�, MembersistAccount#5132-00 543.66
p, MembersistAccount#5132-11 7,556.02
3, Member'slstAccount#5132•05 166,165.61
q. Miscellaneous Household Personal Property(Appraisal Attached) 1,745.00
5, Ford F-1501999 6,500.00
TOTAL(Also enter on LJne 5, Recapitulatton) � 182,510.29
If more space is needed,use addi[ional sheetr of paper of the same slze.
REV-1511 E%+ (l0-09)
pennsylvania SCHEDULE H
OEPAPTMENT OPPEVENIIE FUNERAL EXPENSES AND
INXERITANCETA%REIURN ADMINISTRATIVE COSTS
RESIDENT DECEDENT .
ESTATE OF FILE NUMBER
JOHN F. DARRAH 21-13-0090
Decedent's debts must be reported on Schedule I.
ITEM
NUMBER DESCRIPTION AMOUNT
n. FUNERAL EXPENSES:
1' Richardson Funeral Home 4,320.00
B. ADMINISTRATIVE COSTS:
1. Personal Representative Lommisslons: 17,182.79
Name(s)of Personal Representative(s) Debofeh K.Ansell
5treet Address 4 Twlllpht lane
city Duncannon scate PA z�v 17020
Year(s)Commission Paid: 2013
z. attorneyFees: Dissinger & Dissinger 17,182.79
3. Family Exemption: ([f decedent's address is not the same as claimant's,attach ezplanatlon.) �� . 0.00
Claimant
Street Address
City State ZIP
Relatlonship ofClaimant to Decedent
4. arota�eFees; Cumberland Co. Reqister of Wills 403.50
5. Accowtant Fees: NOI1e � .
6. Tax Retum Preparer Fees: H&R B1oCk 302.50
�� !Cumbedand Law Joumal 75.00
a. The Sentinel 138.24
a M8M Auctioneering(PP Appraisal) 125.00
�o.: LeonGedach(REAppraisal) 350.00'
� TOTAL(Also enter on Line 9, Retapitulation) S 40,079.82
tf mare space Is needed,use additlonal sheets of paper of the same si:e.
REV-1.512 EX�f� (12-12)
�pennsytvania SCHEDULE I
DEPARTMENTOFqEVENUE DEBTS OF DECEDENT,
INHERRANCETAX0.EiURN MORTGAGE LIABILITIES & LIENS
RESIbENT DECEDENT
ESTATE OF FILE NUMBER
JOHN F. DARRAH 21-13-0090
Report debls incurrad by the decedent prlor to death that remalned unpald et tha dale q}dealh,Ineludlny unrelmbuned medlwl expenses.
ITEM
NUMBER DESCRIPTION VALUE AT DATE
OF DEAThI
1. 'PPL
98,10
2. !PAAmericanWater B� 23
3. �IVerizon 338.18
4. 'East Pennsboro Township 138.00
5. iF.M.Oppel 100.00
6. IPPL 105.73
7. 'AT&T 69.16
8. 'PA American Water 45.22
9. �!PatnotNews 77.48
10. 'F.M.Oppel 100.00
1 t 'Debble Lupold Treasurer 403.40
i2. 'Verizon 187.39
t3. !MichaelJ. Lawler 13.50
14. ',PPL 102.39
t5. F.M.Oppel 100.00
16. !PA Ametican Water 41.48
17. Verizon 214J9
18. !HomeDepot 393.24
19. Allstate Fire&Casualty 419.84
20. 'East Pennsboro Townahip 185.60
2t !P.M.Oppel _ 100.00
22. '.PPL 77,80
23. i PA American Water 45.46
24. NVerizon 286.14
25. ''F.M.Oppel
10U.00
TOTAL(Also enter on Llne 10, Recapltulatlon) ; Next Page
[f more space Is needed,insert addltlonal sheets of the same si:e.
_ .
, N�V-1512 EX+ (12-12)
�pennsylvania SCHEDULE I
DEPARTMENTOFpEVENUE DEBTS OF DECEDENT,
INHERITANCETA%RENRN MORTGAGE LIABILITIES & LIENS
0.ESIDENT DECEDENT
ESTATE OF
JOHN F. DARRAH FILE NUMBER
21-13-0080
Repor!debb incurred by Me deaedent prior to death that remalned unpald st the date of death,Including unrelmburaad medical expenses,
ITEM
NUMBER DESCRIPTION VAIUE AT DATE
OF DEATH
26. PPL 84.01
27. PA American Water
30.35
ze. Lowe's
53.04
29. 'Venzon
268.86
30. 'PPL 69.00
3L 'PA American Water 25.61
32. i Debbie Lupold Treasurer � 229.8a
33. East Pennsboro Tovmship 124.20
34. 'Bayada Home Health 6,481.95
35. Verizon
137.41
TOTAL(Also enter on Line 10, Recapftulation) ; 1 2, 290.44
[f more space Is needed,Insert atlditional sheets of the same size.
aeV-isi3 ex+ �pi-io�
pennsylvarria SCHEDULE �
OEPkNTMENTOFREVENUE
INNERRrWCE TPX AENRN BENEFICIARIES
' RESIDENT DECEpENT
ESTA7E 4F: FitE NUMBER:
JOHN F, pARRAH 21-13-0090
REINTlONSHIP TO DECEDENT AMOUNT OR SHARE
NUM6ER NAME AND A6pRFS5 OF DERSON(5}RECEIViNG PROPERTY Do Nat Ust Tn�stee(s) QF ESTATE
I TAXABLE Dt5TRI9U7tON5(tnciode outdqht spousai distributians and kransfen unAer
Sec.9116(a)(1.2).]
i. De6orah K.Anseii D�ghter 50°fa '
4 Twilight Lane,Duncannon,PA 17p20
2. 'Eliz�eth E�ane D�ghter _ 50R`o
336 Virginia Ddve,Brovms Miil,NJ 08015
I _ _ _
.. . . . .. .. . . . . . . ... . . . . . . . . � . - . �. . -. .. , ... i
ENTER DOLLAR AMWNT5 POR DI57RIBUTIONS SHOWN A80VE ON UNFS IS THROUGH IB OF RE4d500 COVER SHEE7,AS APPIiOPRIATE.
n MtM7dA%ABtE DISIRI9UTS4NS
A. SPOUSAL DISTRIBUT[ONS UNDE0.SECTIDN 9113 fOR WHICH AN ELECtION T6 TAX IS NOT TAKEN:
L . ... ... . .. . . .. . . . .. . .. . . . . . . .. . . .. . ,
8. CHARITABLE AND GOVERNMENTAL 615TRI8UTION5: �
S. . .. , . . .. .. . . . . . . . . . .. . . . . _ . .. � .
TOTAL OF PART II—ENTER IOTA4 NON TAXABLE DLSFRSBtfT[ONS 4N tSNE 13 6F REV-i500 tOVER SHEET. ; � � .
If more space is needed,use addRlonal sheets of paper of the same size. �
� � ._. ,�, Jun 19,2013 �
ESTATE APPRAISAL
RE: Estate of John F.I7arrah,DOD Jan 1,2013
Foliowing appraisai is for persanal praperty contained in the residence at 4 Hiilerest Rd,Enala,PA 17025,and
cornprises the following items:
ITEM DESCRZF'TION APPR.VALUE
1. Toshiba flat screen T�I $ ld�
2. tTpholstered safa&chairs(2} 45
3. End stands, lamps{floor,table top&dresser},books&knick knacks 50
4. Dining tmbie&five wooden chairs 40
5. Franciscan tableware set(50+pcs), apple pattern 50
6. Sany portable radio 10
7. Whirlpool refrigerator 100
8. Kitchen appiiances, utensils,tabieware, glassware, 000kbooks, etc 40
9. Flatware set(inei 6 pes sterling) 90
10. Commem piates, shot glasses, stemware,pattern glass,punch bowl, etc 20
11. l3ed linens,blankets,etc 1 S
12. Miele vacuum cieaner, bssket hamper, sewing basket, step stool, file cab 2S
13. Oak desk{dave tailed drawers) 20
14. Brass bed headboard,4' waoden stepiadder, craft supplies, few toys, etc 30
15. Six gun caMnet{glass front door} 10
16. Brass double bed,modern dresser&ohest of drawers 50
17. Lane cedar chest 45
18. Bassett bed rm suite (dbl dresser, chest of drawers & end stand) 65
l9. Two drawer oak file cabinet 10
20. Bedrm occasionai chair, lamps,bedding, etc 2p
21. Craftsman toai box, shop vac & misc hand 8c garden tools 25
22. Taro walk behind rnower 45
23. Toro Pawar Maac 826 LE snow blawer 350
24. Tru- Temper wheeibarrow 15
25. 16' alum ext ladder& S' wooden step Iadder 20
26. B&D hedge trimrner, gas cans, saw horses&lawn chair 2p
27. 1Nhirlpool Estate modei washer& dryer 140
28. Gibson chest freezer 50
29. Enamal top(depr era)tabie(unassembled,but complete} 40
30. Milk can& metal dairy box 2p
31. Dinette tabte, wark table, wooden cab,benches, aaolers,metal shelving, etc 35
32. Misc chairs (incl metai Poiding& card table chairs} 10
33. Cedar chast 25
34. Keystone Furniture Co wardrobe (painted) 10
35. Small Santry Safe 3g
36. Kids' books(early 19QOs, 10+) 10
37. Ice cream freezers{Proctor Silex) ip
38. Red barn lantems (2) ip
39. Misc lang handled garden tools 10
40. Hand saws,hammer, hatchat,meat cleaver, enamelware roasters, etc 2Q
41. Misc cleaning supplies,laundry detergents, brooms&c mops, etc 10
.
` Total appraised vale�.„..........................$ 1745
Auctioneer;
Mitch yer
Ph 717-527-4492
PA Lic AU 3897 L
Pg 2 of 2
St �;
�
MEMBERS 1"
PHDHRALCRBDIT UNION
REGULAR SAVINGS ACCOUNT:
Account Number/Suffix 5132-00
Date Account Established 04l11/1960
Principal Balance at Date of Death $543.66
Accrued Interest to Date of Death $.00
Total Principal and Accrued Interest $543.66
Name of Joint Owner None
CHECKING ACCOUNT:
_---
Account Number/Suffix 5132-11
Date Account Established 02/10/1978
Principal Balance at Date of Death $7,556.02
Accrued Interest to Date of Death $.00
Total Principal and Accrued Interest $7,556.02
Name of Joint Owner None
INVESTMENT SAVINGS ACCOUNT:
Account Number/Suffix 5132-05
Date Account Established 03l04/1994
Principal Balance at Date of Death $166,165.61
Accrued Interest to Date of Death $.00
Total Principal and Accrued Interest $166,165.61
Name of Joint Owner None
M M RS 1ST FEDERAL REDI ION
_ _ ___
_ __ - _ -- -
_ _ -
_- - - - — ... _ .. — --
�l.d
aniel e A. Kline
Lending Insurance Support Specialist
June 14, 2013
Estate of:JOHN F DARRAH
Date of Death: 01101/2013
Social Security Number: 165-20-9381
5000 Louise Drive • P.O. Box 40 • Mechanicsburg,Pennsylvania 17055 • (800) 283-2328 • www.membexslst.org
r • CERTIFICA7E QF J
REGISTER OF WILLS
CUMBERLAND COUNTY GRANT OF LETTERS
PENNSYLVANIA
No. 2a13- 00090 PA No. 29- 93- D09Q
Esta te Of: JOHN F DARRAH
.. r��:sc ar,dme,ce:o
a jk ja: JOHN FRANClS DARRAN
Late Of: EASTPENNSBOROTOWNSNIP
CUMBERLAND COUNTY
Dec�ased
Soczal Security No: 165-ZO-9381
WHEREAS, on the 23rd day of January 2013 an insCrument dated
June 14th 1988 was admitted to probate as the last will of
JONN F DARRAH
lArsy Mn1o'k,Ceatl
a/kfa JdNN FRANCIS DARRAH
late of EAST PENNSBORO TOWNSH/P, CUMBERLAND County,
who died on the Zst day of January 2013 and,
wHEREAS, a true copy of the wi21 as probated is annexed hereto.
THEREFORE, I, GLENDA FARNER STRASBAUGH , Register af Wi11s in
for CUMBERLAND County, in the Commonwea�th af Pennsylvania, hereby
certify that I have this day granted Letters TESTAMENTARYto:
DE80RAH ANSE�L
who has du.2y qualified as EXFCUTOR(RiX)
and has agreed to admiaister the estate accord.ing to Iaw, a.22 of whi
tully appears of record in my office at CUMBERLANQ COUNTY COURT HOU:
CARLlSLE, PENNSYLVANlA.
ZN TESTIMONY WHEREOF, I have hereunta set my hand and affixed t
of my ofEice on the 23rd day of Janua�y 2013.
,
t.L�.I"
ester a f s
ary
"TT• NAME5 A$pVE APPEAR (FSRST� MIDDLE� LAST} '
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LAST WIIS, ANQ TESTAMF.PII' OF JO11N F. 11qRgAI�' "_ r. .
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I. JOHN F. A4RRAII, af tlie Township af Fast P;i�nabbm...,�otgity�
of C�er2and and SYate of P o ,
ennsylvania, bein� of sound and disposing
mirtd, marory and understanding, do rnske, publish and declare this my
Last Will and Test�nent, hezeby xewking ynd m�kq�g v�id any and all
foxmer Willa by me at arry time hereta£ore made,
1.
I direet the payment of al2 my just debts m�d fsmeral expenses
as soon after my decease as the s�ne may cocrveniently be done.
2.
All the rest, residue and remindar o£my estate, real. Pereonal
end mviced, o£ whatsoever r�ature and wheresoever the sarr�e may be situyte. I
give, devise and bet�ueath to my wife, EIFANOR I. ik1RRAtt, absolutely and
unconditfonally. .
9.
In the event that my said w1fe, ELEI�NOR I. TNRRAH, s(�uld pre_
deeease me, or sl�ould she die within thirtY (30) days of my death, thaz I
give, devise and bequeath my entire estate, rea1, personal and rniaced, of I
whatsaever nature and whereso�ver situate, to my chi2dren, fn ec�a2 shares.
Tf any of my children should predecease �re, his or her share shall lapse
and fa11 inm the res3dve of my estate, ta be divided eqt�lly ��g my
surviving children.
4.
LASTLY, I mm�ixiate, consYiCixte anfl appoint ttry wi.fe, �pNpR I.
n?+RRAE�II., FScecutri�c oE this� my Laat WiII a� Test.�a�tt, and in the event she
ahaul,d predecesse me, or should she he Lmable or imwillin,g to serve in such
capacity for any reason, then E �te, constitute azul appoint my dau�hter,
-I-
D�� �1SELI., to be the Ekecutrix of this, my Iast Will and Test�nent,
in her place and stead.
IN WI7NESS 4h�RFAF, I have hereLmto set my hand axd seal this
lAth day of Jtme, A. D. 1988.
�
I/'• J
� / / So � . Darr /e�-�SEAL) .
Signed, sealed, published and declared by the above_nmre3
JOHIV F. IIARRAH, a8 and for his Iast Wi11 and Test�ent, in the presence
of us, who, at Ms request and in his presence and in the presence of
each other, have heretiaito subscribed our names as witiesses.
lw.. . '
. ./':,, .5 `����,:�
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f �
r� .
Leon D. Gerlach, Appraiser
Gommerciat, lndustrial d� Residentiai
DARRAH-ESTATE-4 H
Fi�No. H1306042B
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�
APPRAISAI.OF '
�.#,
x
�
�t?CAfiED AT:
4 Hillcrest Road
Enola, PA 17025-2818
C�1ENT: (
DISSINGER 8 DISSINGER
400 State Road
Marysvilie 17653
AS t}F:
duly$,2013
I
f • � �
Geon D. Gerlach, Appraiser
Commerc`sal, Industrial � Residential
DARRAH-ESTATE-4
File No. H1306042B
07/11/2013
William
DiSSENGER&CIISSiNGER
400 State Road
MarysWlle 17453
File Number: H1308042B
Dear William :
In accordance with your request, I have appraised the real property at:
4 Hillcres#Raad
Enala, PA 17025-2618
fie purpose of this appraisai is to develop an opinran of the defined value of the subject property,as improved.
The property rights appraised are the fee simple interest in the site and improvements.
in my opiNon, the defined value of the praper#y as of ,Juiy 8,2013 �s; �
$157.000
O�e Hundred Fifty-Sev�Thausand �Iiars
The attached report cantains khe description, analysis and supportive data for the conciusions,
finai apinion of value, descriptive photugraphs, assignment conditions and appropriate certifications.
� I
�
RespecNully Submitted,
�;2%C�,..t�. ,�1e..L�.-�-
Leon D. Gerlach, MSA, MFI.A, GAA, CCRA
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Summary DARRAH-ESTATE-4
R@sid+@ntiA!AppT6tiS11 RBp81t F�NO. H13oB04zB
The(xxpase IN ihis appraisal repat is ro prm�le tl�e ckentvi@t+e treaibie opireo�W the�eNned vaA�e otthe suhject property,9iven the iMerMed use ai tl�e appraisal.
cNeMName�nteadedUSer DISSINGER&DISSINGER e-mail
cwernnaeress 400 Sta#e Raad Ma sville S 7D53 s�a� z 17053
naeiuonei intended user s The Intended User of this a raisal re oA is lhe Client DARRAH ESTATE __
No additional Intended Users are identified b the a raiser
�nded use The I�teoded Use is tn evaluate the ro ert that is the sub'ect of this a raisal re ort for an o inion of value as is for the
ciient DARRAN ESTATE Na additional Intended Usas are identified b the a raiser.
a nauess 4 kiiicrest Raad c' Enola s�a�PA zi 17025-2616
owner o�Pubkc Recard DARRAH ESTATE ca,n Cumberland
i i Desc ' dEED REF:42$C-4878 NOT ATT PER CLIEN East Pennsbaro Townshi
Assessors Paicel a 09151288026 raz Year 2013 R.E.raxes S 1 695.00
r�amc East Pennsbaro Towrrshi �+a tte�rer�ce ADGH-9N6 ce�s tract 3244-041-1 Q2.62
Pm R' hls raised X Fee Sim le leaselwltl ONer describe
M research did X did nof teveal a tror saks a trat�slers of Ue " t tor the ihree rs rior b the etfecWe da�IN d�rs a asai.
Prim 5alettransler oale 10/30/1978 Price$40A00 5ource(s) TAX ASSESSMENT
Anaysis of prbr ufe or transter hisNry ot Me su�ject property(and compaiable safes,if appikabk) Ttre+aII,apPear to be normal and typieal for the area and price
ran e.
Ofierings,op6ortsandwntractsasottheeNectivetlatentUeappreisal NONEKNOWN �
Lacaf'an Urba� X �6iuban Rurai Pr VaWes irra.r � X Stabie Dec� ' PRICE AUE pne-Unk 45 44
Buill-U Over 7596 X 25-7596 Under 25% 09ma�lSu Shprla e X In 6aWnc6 Over Su 000 s 2d Unil 7%
Growth Ra ' X S�bie 5bw Marke6 Tkne Under 3 nqhs X 3-8 rMhs Over 8 mNus 70 low 5 Gk�la-Faml 2%
Negnborhoodeoundaries See Attached Addendum. � 590 H' h 95 commercie� 13 v6
260 pred. 55 ort�er iNNA 33 56
taeigM»rtwaioeuri�an 7his East Pennsbora Townshi nei hborhood is com rised rimaril of ro erties reflectin similar ualit
maintenance desi n and a ai and marketabilit to the sub'ect ro ert . Availabiiit for this nei hbcarhaad pf mos# uhiic senrices
trornbined with aver access to em lo ment sho in and schoo4s ives it a similar a al to the market as other near6
nei hborhoods. No unfavorable tactor was opserved which wouid adversei affect marketabili .
MarketCa�ditions{ira�ingsppott�r�hesbovecancN�siarts} Se@AttBChedAddettdom.
oime�ions SITE SIZE-TAX ASSMT RECORD Area 0.38 ACRES M/L Sha APPROX RETANGUi..A v�eev TYPiCAUNEIG
zon' ciassifirarbn R-7 zoran oescri tian Residential Sin !e Famil 2407
Zoni Com lia�e X L al Le al NonconPormin Grend(aMered Use No Zonin Ilte I describe
ts�ehighestand6estuseottl�es��bjectpropertyasaaproved(aaSproPe��V�P�nsaru{speci(rcalbr�s)Aiepresemtae? X Yes No ttNO,describe.
Vtliities Pubflc Oiirer tlescribe � pu61k Other Cescribe OfFSMEim ovemaerts—T Pubfle Prlvate
Elecirki X water X Street ASPHALT X
Gas Sanea Sewer X a NONE
srte Comrnena Por this nei hborhood the sub'ect ro ert 's site� has similar site im rovemeMs landsca in and has had similar
maintenance. The site atso is similar in size and en o s simitar ta o re h to tha other sites in this nei hborhaod. The resent ose of
the site is i ai as the a aiser's int� retation of the the loca!zonin . No a rent adverse easements euce k standard utilit
encroachments or other adverse cpnditians exist pn the subiecPs site or in the neiqhbarhood.
UMts X One GnexiAa.umt Concrete5iab CrawtS ce FamdationWa�s CONGRETEBLK Ftoors GAR-VINYJAVf�
#ofS�ories 7 X PuIlBasement var6al0asement EzlerbrWalls BRICK/AVG Walls DRYW-PT/AVG
r X De�. nn S-oet�oaunff sasementarea 988 .tt. RootSurtace SHINGLE/AVG irimlFmish Wp-STAINJAVG
X E ' ' Pra sed uMer const. 9asement finish 4 s5 Guders&oawn ts ALUM-A�UM/AVG ealh Floor GARPETIAVG
oes' n S 1-S1Y/DETAGH Outsitleen IE�� X Sum aum WindowT VtNYI INS GLAS BaNWainscbt FIBERGLAJAVG
Year eu�1964 Srorm Sashrinsulated IN$ULATEQ GL.A Car Stm Nwae
Eftec6ve e rs 12 Screens YES X privewa xotCars 4
amc X t�e t� ' FwA X Etw Ra�ant nrt�enitles woodS s a sunace CONCRETE
^'--^'°� °^'�^ �r cuoi nl I X Fireolace(sl# 1 ._. Fence X Gare p of Cars 1
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Summary 6ARRAH-ESTATE-4
Residential Appraisai Report Fi�NO. H13060428
FEATURE SUBJECT COMPARABLESALEN0.1 COMPARABLESALEN0.2 COMPARABLE5ALEN0.3
4 Hillcrest Road 3 Hiilcrest Road 4 Riverview drive 926 Susan Circle
naaress East Pennsboro Townshi East P�rnsboro Townshi East Pennsbaro Townshi East Pennsboro Townshi
Prozfm� lo Sub' ct ACRpSS STREET 0.05 MILES E 0.70 MILES h1W
s��P,� a o�iNEO�vn� s �ss so4 a 1e7 soo a tet o00
Sa�evdceJGross�N.aea 3 0.00 .n. S 747.13 .R. E 133.83 .R S 148,92 .n.
oe�a Source s MLSISTEB A4lSt5TEB M�StSTEB
verifir.ation source s TAX ASSMT RECORDS TAX ASSMT RECORDS TAX ASSMT RECORpS
VALUEAD.IUSTMENTS DESCRIPTION DESCRIPTION +� i emrer� DESGRIPSICH7 -5 DESCRIPTtON � sn
5a7eorFina�ag CONVENTIONAL 0 GONVENTIONAI 0 CONVENTIONAI 0
Concessions SELLER HELP -1,689 SELLER HELP -4 500 SELLER HELP 0
oa�ntsaktra,�e 0512011 0 1272072 Q 08l2412 0
�ocauon Suburban SIMII.AR 0 SIMILAR 0 SIMILAR 0
leaselwidlF'ae5im ie FEE SIMPLE FEE SlMPl.E 0 FEE SIMPLE 4 FEE SIMP�E 0
site 0.38 ACRES M/L 0.38A/SIMILAR 0 0.39 A/SIMILAR 0 0.31A/SIMILAR 0
view TYPICAUNEIG TYPiCAUNEIG A TYPIGAUNEIG 4 TYPICALIPlEIG 0
oe ' n s k t-STYlDETACH 1-STY/DETACH 0 1-STY/DETACH 0 1-STY/DETACH 0
I ofcanstructlon AVERAGElBRIC SIMILARIBRICK p SIMIItHRK-SIDI 6 SIMti1BRK-SIDI 4
a�aG 53+/_Ysars/12 43l12 0 52/12 0 40/12 0
CondNbn AVERAGE AVERAGE/SIMI 0 AVERAGE/SIMt 0 AVERAGEtSIMI 6
A6ad�e Gra�k rad eans raa� emrs 0 ra� e��s. e� Q rde� anms e�ns � 0
Room Coum 5 3 1 : p 5 3 1.0 0 6 3 1 A 0 8 3 2.0 -2 200
cross area 12.00 988 .a. 1.14&s3.�. -1 �p 1 444 .� -5 O4Q !t.232 .n. -2 9QQ
easement&Finished FULL FULL 0 FULI 0 FULL 0
Rooms sebw Grede Unfinished FAM RM-pEN-F -4 2IXY FAMILY RM-FB -3,404 FAMIL.Y RM-HB -2$04
wnc€�a1Ud AYERAGE AVERAGE/SIMI 0 AVERAGE/SIMI 0 AVERAGE/SIMI 0
Heatln ICOalin OIL H.WTICEN 4�L H.WTlCEN 0 HEATPPJCENT 0 NEATRP/CENT 0
Enet Efiaenti�ms STANDARDlAG STANDARD(AG Q S7ANDARDlAG Q STANDARD/ACa 0
Wr elCar n 1 Car Gara e 1-CARPORT +90p OFF STR/PARK +1 400 1-CAR GARAGE 0
vachtPatiatDeck S7QOP-PA71C? STOQP-PATiO 0 FRONT-PATIL? Q STOOP-PATlO 0
FIREPLACE/WS 1- FIREPIACE 1-FIREPLACE 4 1- FIREpLACE 0 1-FIREPLACE 0
� a 4 � Q
PRIOR SALE YR 10/1978 000 q7/2006$173500 Q 04/2001 110000 0 p5/2008 $1 0
Ne�A " s�mem oq + X - S 6 889 + X - 8 11 540 + X • S 7,900
Adj��SedS&IePnce NMPA�. -4.145 NetAtlj. -6.1% NetAdl� -4.4%
oteom arables GrossnA'. 5.f46 S 162611 Grossad'. 7.6% S 1�6d06 crc+ss '. 4.4sa 3 173106 I
� d saaes Corr�arison nakoach See Aitachect Addendum.
si�va�e cflmments The Cast A raach was not used on this r because it is over five ears old. The additional items do�e in a�rd
ta the ro rty makes it verv difficult to determine the de recation to a I to the ro ert and the sales com arable is much more
reliable on this_ptop�i
ESTIMATED REppODUCTIONOR REPLACEMENTC0.STNEW dPIN�ONOFSITEVAIUE...................._...._.........,.._$
sartcsarcastdata oxe� saa sa.FC�a ............=S o
ai' ratln� hom cost service Eifective date of cost deie BSmt:988 Sq.Ft. Sq.R,�S ...,.....,..=3 0
ComnemsonCast oach rossi� � areacaiculations,de reciation ek.
_
,,, _ Gara ICar orl 312 .Fl @ S ._$ 0
TIN31E5tana�atCu��NEw .... .......-S O
Less Ph ' I Func6onal Ezlernal
OC reciatiai =$ 0
Oe reciaDed Cosl of M rovements................................ = S 0
"A5-is'Vahre of S(le Mnpro�rem¢nt5................................ _$
. INDIGATEDVALUE8YC0.STAPPROACH...................... =S O
�<Nmnrwl AAnnlltiv Market Ren�S N/A X Gross Rent MulUplier _ =S 0 Indicated Value,M�lncome Aoproech
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Summary DARRAIi-ESTATE-d
Residentia[Appraisal Repart F�e No. H19Q6Q428
FEAA7URE SU9JECT COMPARABIE SALE N0.4 COMPARABLE SALE N0,5 COMPARABLE 5ALE N0.6
4 Hillcrest Road 9 Ciendenin Circie 1016 Valley Road
add�ess East Pennsboro Townshi East Pennsbaro Townshi East Pen�sboro Townshf
rro�an w sub' t 1.4 MILES NE t.2 MILES N
satearice 8 OPINIONVAL S 14990Q S 16340Q S
se�earicelcrasslw.nrea 5 0.00 .rt. S 144.13 .n. S 1312A .rt. 3 rt.
oam Source s MLStS7EB MLSISTEB
verficaiion 5ource s TAX ASSMT RECORDS TAX ASSMT RECORDS
VALUE ADJUSiMENTS DESCRIPTION OESCRIPTIdN �S DESCRiPTIbN -S �SCR@T10N -S
5akorFinancing VA p FHA � 0
Concessbns BEL4ER MELP -5 000 SE�LER HE�P -8 tS06 __
t�otsaletiime 05(2Q13 0 O6l2413 0
�ocadon Su6urban SIMII,AR 0 SIMILAR 0
teasetrobt�ee ' te FEE SIMPLE FEE SIMPLE 0 FEE SIMPLE 0
sMe 0.38 ACRES M/L 0.23A/SIMILAR 0 0.31A/SIMILAR 0 _
vie�v � 1YPICAUNEIG 7YPICAUNEIG 0 TYPICAU(VEiG d
oe n s 1-STY/DETACH 1-STY/DETACN 0 1-STY/DETACH 0
I' ofCOnsttuqion AVERAGElBRtC SIM1lARJ$IDIN 0 SIMILI6RK-SIDI 0
nsaiai 53+/-Yearsll2 35/12 0 48/12 0
CoiMebn AVERAGE AVERAGE/SIMI 0 AVEf2AGElSIMI 0
t�we Grade ram em� a�rs .a� sa�,� ee� 0 Te� aans 0 xad ea s,u�
aoom Count 5 3 1 : 0 5 3 1.0 0 5 3 1.Q 0
c�ross ' Aree t 2.00 988 .� 1 Q40 .R. Q 1 242 .& -3{MJO 2
easement&Finished FULL FULL 0 FUI.L 0 �
RaomseebwGrade Unfinished FAMI�Y RM-FB -3,A00 FAMiLY RM-HB -2 8{�}
wnctana�un�' AYERAGE AVERAGE/SIMI 0 AVERAGE/SIMI 0 �
t+eau CooFn OIL H.WTlCEN GRS N.ARlCEN � 0 HEATPPICENT d �
� Eficterx�tems STANDARO/AG STANDARDlAG 0 STANDARD/AG 0
cara eicer n 1 Car Gara e 1-CARPORT +900 2-CAR GARAGE -1 406
vorduvatiolDeck STb4P-PATIQ FRONT-PRTID Q STOOP-QECK 4
FIREPLACE/WS 1- FIREPIACE 1- FIREPLACE 0 7- FIREPLACE 0
4 4
PRIOR SALE YR 10/1978 0 000 10/1995$9800p 0 07/2006$159900 0
Net Ad' ent 7atei + X - $ 7 500 + X - $ 15 200 X . S 0
Ad'}fstedSa�Prite NBtA4�. -5.0% NetAOj. -9.396 NelAdj. 0.�% �.
of com rables Gross '. 6.2�a S 142 406 c,ross . 9.3% E 1d7 806 Gross . O.Opc S 4
alsaies risov aach SEE ATTAGHED RDDENDUM
I
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5ummary DARRAN-ESTATE-4
Residerrtial Appraisal Repart ���,o. Hisasoazg
Scope ot Work,Assumptions and l.imiting Conditions
Scope t#work is deflnetl�tl�e UniiCrm Spytdartls otProteasiard Appraisal Pracdce aa"the type and wetent of reseuch and anHyaes in a�
usignment" In shorR,acope of work ta simpy whet the appreiser tlfd and tlid�do duiing tlre course ofN�e assignment ItNwiudes,6u#it trot
pmitedto:ihetxtentEa�khtlfeP�q�nYfsWenNfledandkrspected,Nety}ieazMe�cte�tWdatareseuehed,ShetypeandextenlWanahnesapplietl
taarrks atopinia�is aca�clunions. �
TNe acope oHhis appraisN and ensuing dfaeuseion in Mis reportare specific tothe needs Mtlre dien4�er identlNed inhnded users antl tathe
inMnded use of Me report This reportwas praperetl hw tAa sde and exciusive use oFihe cl'rent an4 oiher identllkd MGended users fbrrt�e identlfied
inhndsd uae and ib use 6yazrydher Wrties is prohi6ited.The apprdser M�respa�s�b far anauC�aized use ffitl�e report.
The appreiser's certifir.aUqtti aPpeari�g 3n dfis appreisai repatis supJectMMe toibwing cand�ons and tasucfi dherapeeiflc eondidons as are
setfar4h bytt�e appraFUr in the report.Au etttraordinaryuaumptions and hyppM�etical conditlons are stated In ihe report snd mlght have attectetl the
as3lgnmentresults. �
1. 7he appraiser assumes no responsibilMy br matters of a legai naNre atteaing tlie property appraised qr Me ilrereto,nor does the appraiser render any opman as to tlie title,wtiich�S
assnmed ta 6e gaod etM marke4vbk. The P�aPe�H is appraised as Uwugh ti�er m ' wmersh�r.
2. A�ry sketch in ihis report may show approximate d'miensrons ami is inchxied any�assist the rea�#x in vi�alamg the�opert{. Fhe appraiser has made no swvey of the propery.
3. The appraiser is nat required to give tesiinronyor appear in court because ot havirg made ihe appraisak w�h referexe ta qie properryin ryues�ian,urdess arrar�e�nls haae 6een
prew�sy made tt�eto.
a. Nepherak,rrorarrypar;otNecon�ntofUrisrepar4capyorotherrr�tliereof{inck�dinpwnclusionsasblheproperryval�e,theaienlNyoitheapQraiser,prokssionaldesignelbns,
or Ihe firm wiU�xfiich Me appraiser is connedetl),shatl be used for arry purposes by am�one but the client and nther inlended users as idenlified ia Mis repar6 nor shali it 6e conveyed by
� a�ryrone to the pu6fic Urough ad��nising,pubr�c reiadons,�uvs,safes,or Wher medis,wi#wutffie wr'qter,canseMOtihe a�raiser.
- 5. The appraiser vriif not discbse the tontenis otNis appraisal repprt unies5 required byapp�cabie Iawm as specified in the Un'rfam StarMards oi Professionei Apprasai Prac6ce.
6. Information,eStimaMs,and opinions turnished to the appraiser,end contained in ihe repprt,were obtained hom smmces consideted re�abk and 62�ed ro be fiUe a�d correct.
� FWwever,(wres�mnsibNiryfwaccuracyaisud+�rraasnisfisd�Fheappraiserisaswmedbytheappraisec ...
7. The appraiser assrrnes tlrat N�ere are rro h�n a unapperent caM&iatrs attl�e�operty,subsas.a sbuckues,which m�M rend�it rtwre a less vaWaGle. T�e appraiser asa�mes
no resEwnsibilay far such condiliogs,or br engineering or testir�g,which might be required to discover wch faebrs. This appraisal is not an emironmenml assessment of Ihe property antl
� siwuld not be considered as such. .
8. The appraiser specialkes in the va�uaBqn of real properry and is not g Irome iospeator,building comractor,sttuciural engineer,or simiWr eupert,unless When�se nWed. The appraiser
d"rdnINCOnductiheintensket}�eatfieidobservatbnsWtheki�mte�ded�seekamidiscoverpr�de� Thevlewingdk�et�'��daM'unpruvemen45isk�rp�xposesol
� deve�ing ao opinien ot the defined value of the property,given the in�nded use of mis assignment Stalemants regarding condilbn are 6ased on surlace observatans ony, The
� appraiser claims no special experGSe regartling issues incWding,but npi limmifeed to:tounda6on seqkment,6asement moisture prabkms,waatl desiruying(or otherj insecis,pest intestaibn,
rndon gas.iead based pairrf,moid or emrironmerNel�s. Uniess ahenwse mAkated,mechanicai systemswere rrotacterated or te�.ed. i
� � This aPPraisal repat sha�ki not be ased�A"rscbse tlre conditbn of tice proper�r as rt relares ro the prese�etahsence olde�ct5. The ekeMis irw�d ar�encairaged m err�by q�ia�ied !
. 2XPCrt5I4 NILp@Gt dlld 8dd(CS58l285 01 COtICClfl. IfllegdlNe C011dIliQnS dfB dlSCOVCf21�,�1C Op1111QP tl(YflIUe 111Ay bC aRCC�ed.
�Unlesx oN�erwise noted,tlreappraPSer assumes Me cattponents tl�atcunsqmro the subject property improvemenqs)are luntlamentaly sound and fn
warking ortler.
: Arry viewing of Ihe properry tly Ihe appraiser was limited tu reatliy abservable ereas. Unless otherxise noted,edks and crawl space areas were noi accessed. The appreiser tlid nnt move
�hnniNre,tbor coverings or n�her items Uat may resfrkt the viewmg ot tl�e property.
9. Apptaisais imoNing hypotheticai conrHtbns retated io compietbn af new construcibn,repair5 m aReration are 6ssed on the assumpNOn#�ai such c�n,ait�ration or tepaksw�
� 6ecompeterNypertamed.
10. t7ntess Me kNer�xi use W mis ap�aisai spesalkaMj I�kides issues of pr�tty ursura�ue cm+erage,this appraisa!shouk!rwt be used br such purposes. Reprodudion ar
���Replace�nt cost figures used in the cosl apprpach are Por valuadon purposes ony,gNen ihe intended use of Me assignment Tl�z DeflniHoo of VaNe used in Mis essignmeM is unlikety
to 6e cpnsistent wifh me de6nition of insura6te Vahre br property insurance coverageNse.
11.The ACI General Purpoae Appraisai Report(GPAR'"'j ia irottntendedior use in transactions thatrequire a Fanr�ie Ntac SOOAlFreddie t�iac T0 fam,
� alsok�wwnasthetMiFormResidendelAppraisaiRepat{tN2AR}.
Adtlitlonal Cortlments Related To 5COp0 Of Work,ASSUmptlona 8nd Limidng COndidon8
The appraiser's investigation did include researoh Yfie Centra{Penn MCS Service, Cumberland County STEB Report, Broker's
available informafion and appraiser's data base fpr tfie past 3Q months for comparabie sales, iisting(mostty for general i�formation},
rentais if needed and other data on similar properties ta the su6ject property. Search Parameters such as date of sales, leases,
location sizes, kypes of properties and distances from the subject propeuty did sWrt with relatively narrow constrainls and if
necessary, be expanded until the appraiser has either retrieved data sufficient(in the appraisers's opinion)ta form an apinion of
market value, or until the appraiser believes that he has reasonable exhausted the avaiiabie pool of data.
The researched comparable data was viewed and if found apprapriate, efforts were made to veriry the data used in#his repak is
ftom tfie Cumberiand County Tax Assessment office,Cumberfand County STEB RepoR,Appraiser's Data Base,with a persons
directfy invalved Jn the transactions such as buyers,se!leus,brokers or agents some othet sources or the owner. The appraiser ditl
report only the data deemed to be pertinent to the valuation problem.
Did investigate and analyze any pertinent easements or restrictions, on the fee simpte ownership of the subject property. It is the
ctient's responsibi{ity to supply the appraiser with a deed andlor tftie rapart. if a deed andlor titie search is nat availabie,ihe appraiser
did rely an a visual vieaving and id�tify any readily epparent easem�ts or restrictions.
Did anayze the data found and reach conclusions regarding the market value, as d�ned in the report, of the subject property as of
the date of value using appropriate vaivation approach (es} indicated i�the report.
- . . . .._..�__�._,. _.._.�+...a....i..,i l.a�Tha
��._
. , , ,
Summary dARRAti-ESTATE-4
Residentiai Appraisa{Repart �i�NO. H13060428
Appraiser's Gertification
Tha�praiaer(s}certiHestMat,W the bestM the appraieeYS krwwkdge and belief:
1. The�a�ments of�ct cOntEined in Nis tepbtt 8te We antl cortCCt.
F. 1'toe reported anayses,opi�ions,and conclusioe�s are 6mAed ony by the reported aswmptbns aod IimiHng condkions and are the appreiser's perwnai,impartlef,and unbiased
pmiessbnal anayses,opinbns,and sonclusons. � �
3. Unless otAemtise stated,the appraiser hes no present or prospectMe inieresl in me propCrty ihat is ihe subject ot this report and has no personai inkere�wfih respect to ihe parties
immNeA.
4. The appraiser has no bias wilfr respect ro the property that is the sUbject pf ih"s repart m b the par6es aiwi+�a�N XN�isassignrtrer�.
5. The appreiser's engagement in ihis assignment was irot cprNn�ent upon dee�ebping or tepot6ng predeletrmmed res�s.
6. Theappraiser'scompensa6oaforcompie6�6�isessignmeMisirotconmigentuponihedevebpmemorrepordngMaprotfe�rrmrced+ra�or+trc��i�vakceihatWVrnsU�ecauseof
tlfe cNerN,the amountof tlre vaiue opinion.tt�e aite�ment d a st�rttla�d rest�,ar p�e acwrence ot a wbsequent event tlueGy relatetl ro the iMCndetl use of ihls eppraisal.
7, Tire appraiser's snaiyses,apeiians,arxf cor�ck�sionswere�,aml�his report lias 6een prepared.in confttrmity wtlh Ue Unilorm Stantlards pt Vrolessional Appreisal Practice.
8. thrdess otherotise�roted,the apPra�ser hes made a�rsa�ai inspection dihe Pr�PertYtha{is tl+e��bjeC10(Hus repor(.
8. Uniess rroted bebw�rra One ptavidEd 5ignfiGard reat Pra¢etty appraisai as�ancc to the ap�%aiser si�ning this cerli6ca9an. SlgoificaN teal ProperlYaDPraisal a5sisYance provitled hy:
. AdditlonatCerdficatia�s:
SEE ATTACNEp ADDENDUM
� ESeflnXianWVapie: XQMSrketvaku [�OthervaWe: �
�� Source W Oee(m�aion:
DEFIN1710N OF MARKE7 VAIUE: The most probable price which a property should bring in a campeti6ve and open market under
all canditions rsquisite to a fair sale,the bpyer and seller, each ading prudentiy, knowiedgeabiy and assuming the price is not
affecied by undue stimulus. Impifcit in this definition is the consummation of a sale as of a specified date and the Qassing af tifte fram
seller to buyer under oanditions whereby:(1)buyer and seller are typicatty mptivaEed; (2)both parties are weli informet4 or welS
advised, and each acfing in what tre or she considers his or her axn besk irtterest;{3)a reasonable Nme is allowed tor expasure in the
open market;{4)paym�i is made in terms of cash in U.S.dollars or in terms aP financial arrangementa compara4le thereto; and (5)
the price represents!he normal consideratian for the property sold unaffected by special or creative financing or sales concessions"
granted by anyone associated with lhe sale.
'Adjustments to the comparables must be made ior special or creative financing or sates tnrrcessions. Na adjusiments are
necessary for tFwse casts whfch are rrormaily paid by the seii�s as a result ofi tradition or taw in a market area;these costs are
readily identiflabfe since the seller paps these costs in viKually all sales transactions. Specia!or creative financing edjustments can
be made to the comparable propedy by comparisons to financing terms offered by a third party institutional lender that is not already
involved in the propeAy or transaction. Any adjusCment should not be caiculated on a mechanicai dollar for doilar cost of ihe
financing or concession bui the do�lar amount of any adjustment should approMmate the markat's reaction to the ftnancing ar
concessions based on the appraiser's judgment.
ADDRE5S qF THE PROPERTV APPRAISED: � �
4 Hiilcrest Road
Enola PA 17625-26i6
�, EFFECtNE 6ATE OF THE APPRAtSAI: 0714812413
APPRAISEDVAI.UE4FTHESl18,tECTPROPERTY$ 157,OQQ
ADDENDUM '
Cliant: DISSINGER$DISSINGER File No.: H13050d26
Propertv Address 4 Miiicrest Road Case No.: DARRAM-ESTATE-4 Hilicrest Road
City: Enala SWte: PA Zip: 17025-26i6
Neighborhood Boundaries
The neighborhood 6oundaries per this appraisers report include the whote township.On4y using a few blocks tor a
neighboEhood boundariss a�appraiser can piGc the best blocks for the repoA,but with a township which includes
neighborhood amenitles.This appraiser'e beliet is that the neightaorhood must inGude neighborhood amenities iike:scfioots,
shopping, place of worahip,emptoyment,nortnafly expected pubUc services and so forth.
SUB.IEGT PRQPERTY COMMEN7S
No legal description or survey was fumished of the subject proparty, so the appraiser utiiized the eouniy tax piat pian to
ascertain#he physicai dimensions andtor site area of the prapeRy.Shouid a survey prove these characteristics ineccurate,it
may be necessary for this appraisa!to be adjusted.
Neighborhood Maricet Condittons
The suppEy and dema»d far fhis neghbarhood is normat at this time.Also the marketing time is norma!ak this time.Market
and property values appear to be relatively stable at thls Nme with a wide veriely of financing available. Buydowns and
concessions do not sesm to be a major factar in todays market.
PRESENT LANd USE PERCEhlTAGE-This form does not rec}ufre the reparti�g of vacancy percentage because it cetuld be
interpreted as being discriminative to an area as per FANNIE MAE underwriting class. Sa the vacancy is not 4eing reported
on this report. Per PANNIE MAE Class inshuctar it FANNIE MAE wants the informaiion they will put it on the form and with
vacancy removetl this cotumn can npt equal 104.
Quality end Condition of PropeKy
lNTERIOR CpMMENTS
The property's heati�g,plumbing and etectrica)systems appeer to be functio�ing properly to the best of the appraiser's
knowl�ge and expertise.There has not been any operatfonal inspection on any of 4he subject property's systems by the
appraiser or and warcanry or guarentee by the appraisec
1MPROVEMENTS COIv1MENTS
The subject property is over 30 years old,but has been modernized as necessary and is marketable in its present condRion.
The eHective age is significantiy Iess than 36 years.
DISCLOSURE-Per congress ACT 42USC4851 date 4ctober 29, 1992 the{residentiel lead based paint)the subject
praperty was built prior to 1978 and cou�d passibly contain hazardous lead paint.A negative possibility could eHect
marketabiiity and value after October 28, 1955, based on cost to cure.At the tima ttre subject properfy was viewed,there
was no evidence o#any noticeabte negative effe#to vatue w marketabiiity irt this local real estate market
CONpITIpN COMMENTS
(PHYSICAL, FUNCTi6NAL AN6 EXTERNAI,REPAIRS NEEDED, MdDERNIZATiON}
THIS APPRA{SAL REPORF IS NOT A PROPERTY iNSPECTtQN QR GUARAN7EE C?F GOtJD17lON.
There was rw evidence see�or observed of dampness,termites or settlement by the appraiser at ihe time the subject
property was routinely viewed.
Basement is unfinisheA except for standard Iight wiring.
Property reflects normal physicat depreciatidn for age and no denciencies noted.
Cpmments an$ales Comparison
ARer a ihorough sesrch of atl avaiiabie market data the five saies used are considered ta be tha hest indicatars of value.Aii
five sales v�re considered to L�e weighted similadp in the finai reconciliation of value.Comparables used are cbsed sales.
SALES OR FINANCING-Sales comparabies#1,2,4,5 the sei�er paid some of the buyers cost so an adjustment was made
for the cost paid by the seller.
AGE-Por this report the first number is the actual age of the properly as knov�m trom information avaiiable to the appraiser
and the second number is the effective age+/-of the property at the time of ihe viewing for the subject prpperty and for the
comparable properties as of the saies date and esfimated from the information avaiisbie to Me appraiser MLS,Tax
Assessment eta
AGE&C9NDITION-Tfiere is a difference in efFeckive age and condKion between the subject properry and the comparabie
properties so adjustments were made 1or tt�e dit►erences in etfective ages as from the information avaiiabte ta 4he appraiser
fram the MLS,Tax Assessmertt and etc.and adjustment for condfUOn onty if the difference can so warrant an adjustment
from information available to the appraiser qr the appreiser has inspected both properties.
RC36M CC7UN3-Adjustments on this line are onty for bafhrooms in the grass livirrg area.The other bathroorrrs are adjusted
' ° �`- -"------^°•�^•�+�a<���ro��.+I,�mauv adfusted in fhe square foot adjustment tor this
AdDENDUM
Client: DISSiNGEft&DI55lNGER File No.: H13W0426
PropertY Address: d HiNCrest Road Case No.: �ARRAH-ESTATE-4 Hiiicrest Road
CRy: fnola State: PA .Zip: 17025-2618
All other adjustments are seif expia�atory, if there was no adjust�neM made it is because the market did not;,how an
adjustment shouid be made.The amount of tha adjustmants are 1'rom tMe information from the markeL
COMPARi50N COMMENTS
It ts noted that comparabte No(s}.�,2,3_ocarrred over six manths prior to the appraisal date.These comparable sales
were selected after a search of the area arrc!are wnsidered to be the best avai{able at the time of this reppR.It 4s better to
go a iiitie further back in time someNmes than to go further away from the sutrject property for add�tional support of the
value.
In arder to find comparabie sates,appreiser was reguired to use less recent sales.
Conditlons of Appraisal
This appraisal report has been prepared with the praperty in"as is"conditian.No repairs nated or known. No persona!
property is inGuded in this opinion of vaiue.
THIS REPORT WAS PREPAREQ FOR THE ESTATE OF TNE PERSpN LkSTED IN THlS REPORT AS AN 4PIMON 4F
MARKET VA�UE 4F TNE REAL ESTATE LISTEp iN THIS REPQRT ANQ NpT TQ BE USEQ BY TNE ESTATE FQR ANY
OTHER PURPpSE ANp NpT TO BE USEd F4R A LENOING DEC4SION. '
��I _
4ARRAN-ESTATE-4
� F�ryo.H 18Q6Q428
ADDITIONAI.CONTINGENT- UMITED CdNDITIONS-CERTiF4CA710NS
—This report was prepared for the client named in this repoA and the fee charged was for the preparation of this report anly. 4f ths client
named in tb+s report gives a capy of this repoA and/or gives written consent to athird pariy antl the thitd party of this repoft wants a
cansuRation of lhis report,with the apprafser,there will be a consultation fee io ihe third party which must be paid prior to any
consu{tation with the appraiser.
--The subject property and comparabie properties data relied upon in thie report is believed to be from reliabie sources, however, it was
not possible to inspect the comparahie properties compietely, and ft was necessary to rely on informaUon fumishetl by others as ip said
data, wndition,tM1erefore, the value uanciusions are subject to the corcectness and verificatiori of said daRa.When conflicting information
was provlded, source deemed most reliable has been useti.
-The appraiser has viewed,as far as possible, by observation, ifie Iend and the improvemants therean, however,this is rwt ta be
cpnsidered a property inspectlor�end it was not possible fo personaliy nbserve conditions beneath the spi{pr hidden strucfurai
components within the improvements,therefore, no representatioos or guarantee of cpndition are made herein as io these matters and I
unisss specificaity considered in this re�sort,the value opinion is subjed to any such cdndilions ihat couid cause a toss in value.
Condition of heat+ng, coaling, ventilation,e{ectrical,plumbing and other equipment is considered to be cammensurate with the condition
oi the baiance of the improvements uniess otherwise stated. The term '9nspection",as used in this report is not the same Ievei as that
required tor a"Professional Home Inspection".
--All furnisbings and equipment, except those specificaiiy indicated and iypicaily cansidered as a part of reat estate, have been
disregarded by!he appraiser. Onty the reai estate has been considered.
--The appraiser has provided a sketch in this report to show approximate dimenaions of the improvements, and the sketch is inctuded
oniy ta assist the reader of this repo�t in visuaUZing the property and understanding the appraiser's determination pf the size. The
appraiser has e�camined the availabie flood maps Ihat are provlded by the Federal Emergency Manegement Agency(or other data
sources}and has natad in the appraisai raport wheth�the subject site is located In an idenkified Special Flood Hazard Area. Because
ihe appraiser is not a surveyar, he or she makes no guarentee,express or impkied,regarding this determination.
--!certify that,to the Isest of my knowledge and beiief,the repprted ana(yses, opinions anti condusions were devetaped,and this repon
has been prepared, in conformity with lhe requirements of the Code of Protessionai Ethics and the Standards of Professionai Appraisal
Practice of my current memberships. �
—{certffy that the use of this report is subject to the requirements of my current memberships retating to review by iis duiy authorized
reprasentatives.
--As af the date of this report, i Lean D, Gerlech have compieted the requirements of the co�tinuing educatian program of my current
memberships.
--AVERAGE, SIMILAR, STANDARD 8/0R TYPICAL as used in this report, is thet fhe property is standard for the styie,type,size and
value for the subject property a�d/or the comparable sales properties.
—Every subject prope�ty cannot always be compared to"ideal"cnmparable sales.7he appraiser must choose the best sales avaiiabte
ftom the sesrch af market informetion,which meet the best underw�i{��g standaetls possiblg.The appraiser has made every adjustment
of Iine items on the grids as per the informatbn available ftam tbe market data,according to the guidelines established by the
professianal appraisai associatian, ot which this apprai&cv is affliated,the Appraisal Institute.
-- NOTE-The eiectronic Digiiai Photos in this report have not been aitered in any way as to char�e fhe informatio�of the photos.There
is sometimes a need to lighien or darken the phoio for clariiy oniy.
--N4TE-The Digilalized Signature(s} aHixed on this rgpoR, and certificaiion,were applied by the original appraiser(s}ar supetvisary
appraiser a�d represent their acknowledgements of the facts, ppinions and conclusions found in the report. Each appraiser(s)appXied
his a her signature electronically using a password encrypted method..The appraiser excepis no responsibiiity or tiabiiity for any
change{s)made to the appraiser's original repprt ssnt 4y electronic means in any format.
--NOTE-The current Uniform Standartls of Professiona!Rppraisal Practicz defl�es the marke!velue conclusion es an opinion of
market vaiue and not an estimate of market value.
-- NOTE-The subject property is to be in a marketable wndition for this report to appty a as other txmdition maybe steted in this repart.
I��
Summary � '
MULTI-PURPQSE SUPPLEMENTAI ADDENQtlM QnRR,aH-ESTnTE-a�
F4RFEDERA�LYREIJI7EDTRANSACTIONS H134G042$
BorrowertCSent John DARRAH ESTATE
Properry AOdress 4 HiUcrest Road
City Enola Gounty C�mberland State PA zro Code 17025-2618
Lentler DISSINGER& DISSINGER
This Muiti-aurpose Suppiementa! Adde�dum for Federally Related Transactions was designed to provide the appraiser with a con-
venienl way to compiy with the current appraisal standards and requirements of the Federa�Deposit insurance Corporation (FDIC},
ihe 6ftice of the ComptroUer of Currency (OCC), The Oflice of Thrift Supervision (OTS}, the Resolution Trust Carporation (RTC)
and the Federai ReSetve.
7his Muki-PUrpose SupplemeMal Addendum is tor use witb any appraisa�. On�y those
statemenis which have been checked by the apRraiser apply to the property being appraised.
. � + r . . . � i
The purpose of the appraisai is to estimate the market value pf the subject property as defined herei�.The function ot{he appraisal is
to assist the above-named Lender in evaluating the sub(ect properry tor lending purposes.ihis is a tederally related transaction.
i
, .
XO 7he appraisal is based on ihe information gathered by ihe appraiser from public recards,other identitied sources,inspecUOn of the
subject property a�d aeighhorhoad,and selectlon of comparable sales within the su6ject market area.The originai source of the com-
parables is shown m the Data Source section oi the market grid along with the source ot contirmation;ii avaiiable.The origmal sourca
is presented(irst The sources and data are considered reiiabie.When conFlicting iniqrmation was provided,the source deemed most
reliable bas been used. Data believed tq be unretiabie was not included in the report nor used as a hasis tor the value conclusion.
� The Reprodoctian Cost is based oo MARSHAtI 8 5WIFT CQS7 ESTIMATING
suppiemented by the a�aiser's know ge of e local market.
� Physical depreciation is based on the estimated effective age of the suajest property. Functionai and(or external depreciation,if
present is specitical�y addressed in the appraisai reporc or other addenda. In esfimating the s(te vafue,the appraiser has relied on
pe�sonat knowiedge of the iocai market. This knoroviedge is based on priar andlor current analysis ot site sales andlor ahsVectlon oi site
values from sales ot impraved properties.
C] The subject property is located in an area oi primariry owner-occupied single famrly residencee and the income Approach is not coirsi-
dered ro be meanmgtui. For this reason,the income Approach was nat used.
❑ The Estimated Market Rent and Grass Rent Multip{ier u{���Zed in tbe Income Approach are based on the appraiser's knowledge ot the
svb'eci market area.The renta)knowledge is based on pnar andlor current reNal rate surveys oi residenUai properties.The Gross Rent
Mu�ipl'ser is based on prior andlor current analysis pf prices and market rates tor resitien6al properties.
❑ For income prodocing properties,actual rents,vacancies and expenses have been reported and anetyzed.They have beea used to pro-
ject future rents,vacancies and er�enses.
• '
According to THE LOCAL MULTt LISTiNG SERVICE tl�e su6jectproperty;
X has not been offered ior sa�e in the past: 30 days i year X 3 years
is currentty oHered for sale ior$
was offered tor sale within lhe past:---�3q days ❑1 year ❑3 years for$
Otlering infarmation was eonsidered in fhe final reconciliation of value.
Offering intamatian was not considered in the final recanciliatlon of vaiue.
❑ Ottering inlocmatlon was notavailable. The reasons for unavailability and the steps taken by the appraiser are expiamed later in
this addendum.
� . � . �
Accadmg to TAX ASSESSMENT&LOGA�MULTI LlSTING SERYICE the subject properry;
has nottransferred in the past MreMe monkhs. X has nottrensferred in the past thirty-six months.
has transterred in the past iweive ma�ths. has transferred in the past tl�irty-six months.
Aii prror sales which have occurred in the pest tweive months are Nsted below and recancNed to!he appraised vakie,either in the body of the
report or in the addenda.
Date SalesPrice Doaument# Selter Bu er
� � * � �
--.. _ . ._�_.�..___.� .....
�
pARRAH-ESTATE-4 H
Summary H13460428
X� The subject property is currentiy nat under contract.
❑ The conaaet a�lqr esaow mstrucUat�s vuere nota+r�tablefa review. The unavatlab�ily of the contract is ea�plained later in tlre addenda section.
❑ The contract and/or escrow irrstruc6ons were reviewed.The foNaxing summarizes the conhacC
ContractDate Amendment�e Cantr�tPrlce Seller
❑ The contract indicated that persona!property was not included in the saie. ^
❑ The contract indicated that pessona4 property was included. It consisted pf
Estimated contributory value is$ _,_
Personai property was not inciuded in the final value estimale.
Personal properry was included'm the finai vaiue estrcnate.
The conaact indicated no financing concessions ar otlrer incentrves.
The contract indicated the foliowing concessians ar mceniives:
❑ If concessio�s ar incentives exist,the comparabies were checked for simiiar cancessions and appropriate adjustments were mack,it appNcable,
sa ihat the 6nal value conclusion is in compiiance with ihe Market Va�ue defined herem.
X
3 to 6 months is considered a reaso�a6le marketing period for the subjed properry based an THE LOCAL MULTi �ISTING
SERVICE
� .
The Appraiser certifies a�ul agrees that:
{1) Their analyses,opinions and conc�usions were deveioped,and this report was prepared,rt�urnk�mty t�h�Utirfrwm Standards M PrWessional
Appraisal PracGce("USPAP'�,except that the Departure Provision of the U5PAP does not appiy.
{2) Their compensatlan is not con6ngent upon Ihe reporting of predetermined value a direcfion in vaiue fiai favors the cause of the dient,the amotmt
of the value estimate,the attainment of a s6pulaletl result,ar the occurrence of a subsequent event.
(3} This eppraisal assignment was�ot based on the requested minimum valua6on,a specific vaivation,or the approvai of a ioan.
. .
The value estimated is based on the assumpUon that the properly is not negalivey aflected by tlie e�nstence of hazaMars substances or debimetrtal
emrironmentat condi6pns unless nthe�wise stated�t tlris repwt The appraiser is not an e�ert in the idenaificauai of hazardous substances or dehimenta#
environmentai cornt�ions. The appraiser's routine inspection of and inquiries about the subject property did not devebp arry�tamafan ihat irnlrcated
any apparent signfirant hazardous st�sfances a detranent�ernxonment�condAions vhdch wouki af(ect the property negaBuely uniess ofhernrise sUted
in this report, it is possi6le Mat tesis and inspecpons made by a yuakfied hazazdous sta4sta�ce and em�arner�tal eaq�ertwould reveal the existence of
hazardous substances or detrimental emmonmeniai conditions on or aram6 tlre properry that wnuld ne�Weiy aflect its value.
t
� .
Appraiser's Signature ��, �+�- Eflec6re Date 67108/2013
Appraiser's Name{print) leon D. Gerlach MSA MFIA GAA Phone#( }_ Date Prepared 67l1112013 _
State PA license X Cemfica6on# GA0003681 Tax ID#
• . . .
[] The co-signing apptaiser fias personally inspected the subject property,both inside and out,and has made an e�nerar inspection pf alI
comparabie sales listad in the repart. The report was prepared by the appraiser under direct supervision of the co-signing appraiser. The
co-signing appraiser accepts responsibifity ior rtre contents of the report irrcludirx�the value cortclusions and the limiting contliUOns,and canfirms
that the cenificarions appy f�ly to ihe co-signing appraiser
The co-signing appraiser has not personairy inspected the interiar of the subject praperty and:
has not inspected ffie exterior of the subject property and afl comparable sales Iisted"m ihe report.
�—+ . --______..,,,.,,a ewe,;,,,„f N,a suhiect oroperN and aII comparable saies Iisted in the report.
. _. - ---�--•__•,•.....��,te=nennnciFiliNftH
Summary
QARRAH-ESTATE-4
USPAPADpENDUM �iieNa. H13060428
Borrower; John OARRAH ESTATE �
Psoperty Address:4 Hfllcrest Road
Ciry: Enola County: Cumberland State: PA Zip Code: 17025-2616
tender: DiSSiNGER&DISSINGER
APPRAISA�ANU REPORT IDENTIFICpTtQN
7his Appraisal Report is�of the toiiowing types:
❑ Seif Cantained (A written report prepared urxfer Standards Rule 2-2{a),pursuant to Ihe Scope oi Work,as disciosed eisewhere m ihis report.}
X� Summary {A written report prepared under SWndards Rule 2-Z(b),pursuant to Ure Scope of Wo�k,as disc4osed efsewhers in this report.)
❑ Restricted Use (A written report prepared under Standards Rule 2-2(c),purwant ta rhe Scope of Wak,as discbsed elsewhere in this repor[,
resiricted to lhe stated intended use by ihe specfied ci�m or intended asec)
Reasonable F�cpasare Time ,
My opinar+of a reasona6le exposure time fw the subject praperry at the market value stated in this report is:�to 6 Mo
Additianal Certifications
01 have performed NO services,as an appraiser or in any other capacity,regarding the property ihat is the subject ot this report wid�ur the three-year
periotl immediately preceding acceptance of ihis assignment.
�I HAYE pedormed services,as an aQpraiser or in another capaciry,regarding the property that is fhe subject af this report wrthin ihe three-year
period anmediately preceding acceptance of lhis assignment.Those services are described in the comments below.
Addirional Comments
FIQORP�AN SKETGH
Client� DI5SiNGER 8 DISSINGER Fite No.: N1306fJ42B
Property Address:4 Hilicrest Road Case No.: OARRAH-ES7ATE-d Niiicrest Ro
C : Enola State: PA Zi : 17Q25-2616
_ —�
Petltl
i
Kikhen Dining F.Bath 9.ROOm �
o �gp Stalrs o '
N N
Living B.Room B.Room . . _ _ _. . ...
ix o� First Floor ae.o�
3@.Q'
SP
Stairs
0
�v
Utllity WnA
Basement
�.�,aw.��»
CommeMs
" ,(���. j�:.1�`'`ti1��Y�� �"Sti�t� �'"' ���:�t � ��' �,�c�f �� , � � .,'� F ��ir zi;,
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tiLRi lirst flooz 988.00 489.00 ristt rioor
HeNT Haswnt 488.00 988.Q0 26.0 x 38.6 488.p8
CJ1R Garage 33T.00 312.00
�-
SUBJECTPROPERTYPHQTO ADDENDUM � '
Ciient: piSSiNGER&piSSiNGER File No.� H13080428
Property Address:4 Hinorest Road Case No.: DARRAH-ESTATE-4 Hillcrest Ro
Ci : Enola Stat2: PA Zi : 17Q25-2616
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" ` Apptaised Date:July 8,2013
Appraised Value:$157,000
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Ciient: DiSSINGER&DISSINGER File Na.: H13060428
Prope�y Address 4 Hiiicrest Road Case No.: DARRAH-ESTATE-4 Hillcrest Ro
Ci : Enola State: PA Zi : 17025-2616
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Ciient: DISSINGER&DISSINGER Pi4e No.: H73060428
Prapeml Address'4 Hillcrest Raad C1se No.:DARRAH-ESTATE-4 Hillcrest Ro
Ci : Enota St2te: PA Zi : 17q25-2676
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• COMPARABLEPROPERTYPHQTO ADDENDUM ' '
Client: DISSINGER&DISSINGER File NO.: H13060428
Property AddrBSS:4 Hillcrest ftoad Case No.:DARRAH-ESTATE-4 Hillcrest Ro
Ci : Enola State: PA 2f : 17025-2616
COMPARABLESALE#1
3 Hiticrest Roed
East Pennsbaro Tawnship
Sale Date: 0512011
5aie Price:$ 168,900
COMPARABLESALE#2
" `' ' 4 Riverview Drive
East Pennsboro Township
Sale Date: 12t2012
Sale Price:$187,�
COMPARABLE SAI.E#8
926 Susan Circle
East Pennsboro Townshlp
sa�oate: as�aotz
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• COMPARABLEPROPERTYPHOTd ADDENdUM " '
Ciient; DsSSiNGER&DISSINGER Fiie No.: H13080426
PropertV Address:4 Hilicrest Road CaSe No.: DARRAH-ESTA7E-4 Hilicrest Ro
Ci : Enq�a Stdte: PA Zi : 17025-2616
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COMPARABLESALE#4
9 Clendenin Circle
East Pennslsora Township
Sale Date: 0512413
Sale Price:$149,900
� ��:
COMPARABLE SA�E k5
� 1018 Valley Road
East Pe�+nsboro Township
Sale Date: 46J2013
Sale Price:$ 963,�
CONIPARABLE SAIE#6
sale Date:
DARRAH-ESTATE-4
File No,H73060d28
**"""'""'*QUALIFICATIONS"**'""�**''**
APPRAi5ER RESUME
NAME OF APPRAISER: Leon D. Gerlach FIRM NAME: tea�D.Gerlach,Appraiser
6USINESS ADDRESS 305 West Shady l.ane, Enola, PA 17025-2246
PNONE 717-732-5052 FAX 717-732-6646 email gerlachl�verizan.net
PROFESSiONAI MEMBERSHIPS, DESIGNATIdNS AND CERTIFICATIpNS
Pennsyiva�ia CERTIFIED GENERAL REAL ESTATE APPRAISER
Certiffcaiion Number GA-000368-t(PaCGREA-#36&) 10l1Q/101991
National AssocdaGan of Real Estate Appraisers in 0111985
CCRA #27317 Certified Commercial Real Estate Appraiser
National Associetion of REALTORS Reai Estate Appraisai Section in 07f1994
GRA General Accredited Appraiser
NaGonal Association of independeM Fee Appraisers in 1998
Mesier Appraisers in D5l1999
MSA Master Senior Appralser
MFLA Master Farm 8 Land Appraiser
Greater Hamisburg Assaciatlon of REALTORS in 1883
Associate Broker AB-048052-1 in 12ti955
Greater Harrisburg Association af REALTORS-Appraisai Cauncii 1991 ta Prese�t
Pennsylvania Association of RER�TORS in 1383
EDUCATION
PROFESSIONAL&TECHNICAI(ApPRRISAL)COURSES SATISFACTORILY COMPLETED
C4URSE TITLE(tested) pATE(Houts} SPONSORING dRGANIZATION
Reai Estata Law6 46l1968{30a Harrisburg Area Community Coilega
Real Estate Appraising 1214986(30) Harristrurg Area Community CoUege
Real Estate Manageme»! 06/1987(30} Narrisburg Area Gommunity Gollege
Appraisai 09l1988(30) The Instiiute of Reai Estate St�dies
Standards af Professional Practice 02t1991 (15} Yak Gounty Real Estatg 7rai�iag Center
Appraisai of t�come Produang Property 03M991 (30} The institute af Reai Estata Studies
Appraisai Course ii3-Sates Comparison 0511391 (16) National Assceiation of REALTORS
Appraisal Course#1-Basics of Appraisal 05/1981 (16} Natiana{Assaciatbn of REAL70RS
Appreisai Course�F5-Appraisat Standard/Ethics 09l1991 {16} Nationa�Assaciation of REALTORS
Appraisal Course#4-Cost 8lncome 08l199f {16} National Association at REALTORS
Appraisal Cou�se#2-Rea4 Estale Analysls 0911991 (16} Nationai Association of REALTQRS
Uniform Standard of professionat Appraisal Practice(USPAP) 02M993{t6} Appraisal institute
Appraisal Course#7-i�tro to Commerciai 04Jt992(16j National Association of REAITORS
1416 Stendards of Prpfessianal Practice Part A 02l1993(16) Appraisat institute
I110 Appraisai Principals 02l1993{39) Appralsal InsUtute
1124 Appraisal Procedures 09J1893{39} Appraisai institute
Ii420 StandaMs of Professianai Practice Part 8 05l1993(11) Appraisa� Institute
1210 Residentiai Case Study p5J1993(39} Appraisal lnstitute
11500 Advance Residential Form&Narrative D7/1993(38j Appraisal Institute
I310 Basic Incpme Capitalization 49l1995{39) Appraisal Institute
IS10 Advance Income Capiializatton 10/1995(39) Appraisal Institute
MarshatS&SwiR Cast Approach Reside�tiaf 10/1995{7} York Caunty Association af REALTORS
Marshall 8 Swift Cpst Approsch Commeraai 10t1995(7) York County AssociaGon of REALTORS
Id10 Starxfards ot Professional Practice Part A 03/1997(18) Appraisai insfitute
I420 Standaeds of Professionai Practice Part B 03l1997(11) Appraisal lnstitute
Farm&land 0&/1998(16} Li�coEn Graduate Center
Cammerciai imestment Appraisal 06J2004{15) Lincoin Graduate Cen#er
Financial Analysis of lncome Property O6/2Cl44(75} Lincol�Graduate Genter
National USPAP Course 09/2064{t5} lincoln Graduate Ce�ter
- •' •--'_'--`+^^^�^°°�^� 12l2404{15) Lincoln Graduate Center
. . . ,.__�.._..,ra.,�e.
. . _
, .
DARRAH-ESTATE-4
File No. H 13Q60428
�'*"*"*'""t QUALiFICA710ldS"*'**"'**
EDUCRTtON Ca3tinue
APPRAISAL CONFERENCES, SEM�NARS,CLiN1CS ANp COAITINUE EDUCATIQN ATTENDED
ACTIVITY OR COURSE TITLE DATES{hburs) SPONSORING ORGANiZAT�ON
E�ram Prep-Residential Appraisal Certification 05/1991 (15j Appraisai institute
Exam Prep-C`,eneral Appraisai Certification 46l1891 (15) Appraisal �nstitute
� USPAP Update 6111995{4) Greater Harrisburg REAlTORS Institute
Environmentai Risk Management 04tt995(i6) Greater Harrisburg REALTORS Institute
Commercial Investment Real Estate Analysis 92C1996{7) Harrisburg REALT4RS Institute
The PHA Appraisal 12/i99r(3} School of Real Estate Appraising, Inc
Appraiser's Legai Liabilities 04l1997{7) Appraisai Instituie
Rlternative Residential Reporting Forms 05/1997(7} Appraisaf Institute
Valuation of Leased Fee Interests 4911997(7} Appraisai institute
Valuatipn of Leasehoid interest 09l1997{7) Appraisal InsGtute
Rates, Ratios&Reasonableness i0/1997(7j Appraisal lnstitute
Automated Valuation Modets 10H997{7) Appraisal Institute
Basic Residential HUD Appraisal Requirements 10l1999{7) National Assaciation of Independent Fee Appraiser
A Cioser laak at Home Construction 1271999(� Narrisburg REAITORS institute
Going, Gane- Understanding Depreciation 09f2004(7) Harrisburg REA4TORS institute
USPAP Update t0/20p6(7j Harrisburg RERITORS Institute
Caicutating Gross Liviag Using ANSt Standards 12/2000(7) National Association af Independent Fee Appraiser
Appraisai Fqrms 8 RepoAs 0212001 {7} Narrisburg REALTORS Institute
$and Sense: Introduction ta Income Approach 02/2001 (7) Hamsburg REAtTORS Inst{tute
Appc Bewara Environmenta{&Stigma fssues 04l2001 (7) Harrisburg REALTORS Institute
Lltigakion Valuation (Expert Wiiness) 08f2�01 (15} Natipnal Association of IndependeM Fee Appraiser
Uniform Appraisal Standards for Federal Land Acquisikions D7/2002(18) Appraisai institute
Appraising Real Estate Fraod 09l2Q02(7) Harrisburg REALTQRS Instituie
USPAP Update 0972002(7j Harrisburg REAITORS lastdtute
Appc Beware Environmenta4 8 Stigma Issues 03J2003{� Harrisburg REALTORS institute
Limiting Appraiser Liability Exposure 04/2003(7) Harrisburg REAI.TORS Institute
Distressed Property Appraisal d4/2063 {7) Harcishurg REALTORS instituie
USPAP Update 05l2003(7) Harrisburg REA�TORS Institute
Invsstment Property:income 8 Expense Anaiysis 10f2�3(7) Harrisburg REAl.T4RS Institute
What does Fannie Mae Say 1 i/200�3{7j Hartfsburg REAITORS i�stitute
Photi=Fish and PA Regulations ptl2p05(7) Harrisburg REALTORS Institute T
� The New PANNIE MAE Appraisai Report 08/2005(7) Sehoat of Real Estate Appraising, Inc.
Understanding a Comm�cial Appreisal 02l2Q06(7) Harrisburg REAl70RS tnstitute
Understanding s Cammerciei Document 04l2006(7) Harr4sburg REA�TORS Institute
� Natianal USPAP 10/20t16(7) Harrisburg REALTORS 4nstitute
Federe{Banking&PA Reguiations 11l2Q06(7) Harrisburg REALTOR9lnstitute
Fllps, Frauds 8 Poreciosures 12/2W7(7) Harrisburg REALTORS Institute
Scope ot Work 04/2007{7} Harrisburg REAlTOR5 institute
PA State Continuing Educatian Mandated Course Q2l2009(2) Association of York&Adams Counties, Ina.
Capitalization Rates D2/2009(7j Associatian of York&Adams Counties, 4nc.
AUMs snd the Appraiset 03/20p9(3.5} Harrisburg REA�TOrS Ins#ituta
Keep YourseH Safe and Legal 03l2009(3.5} Harrisburg REAITQRS Institate
Commerciat Module 03YZOt0(� Harcisburg REAI.TORS institute
Reai Estate Services in a Cyber Worid oarza�a�7a Narrisburg REAL7QRS Institute
Important Elements of the Reai Estate Transaction t3d/2010(7} Harcisburg REAITORS Institute
Consuiting far the Appraiser-Legally 12/2010{7} Harnsburg REALTORS Institute
Documeniing Your Way Out oi Liataility issues 0412p11 {7} Hardsburg REALTORS Institute
�oreGasure 8 Short Sales: Dilemmas and SoNtions O6l2012(7j Nationai Association ot Fee Appraisers
Appraising 2-d Family 8 Muiti-FamilyPropert4es 46l2012{7) National Association pf Fee Appraisers
EMPL4YMENT WISTORY
� °h DEVOTED
".""^ TOAPPRAISlNG �
� •
• �
DARRAH-ESTA7E-4
Fi�No. H1306D42B
**'"`*"***QUALl�tCATIQNS"****'"'"�'*
EXPERtENCE SUMMARY
EXPERIENCE
Presentiy: PA Assoc4ated 8roker!PA Cerlified Ge�eral Reai Estate Appraiser
Reai Estate Safes Agent(1983-1985}Reai Estate Associate Broker 1985 to Present and Appraisa(s 1985- Present
Qver 15 ysars in the building industry-Owner of construction company for 10 years and warked tor other construction
companies in manegement, as an estimator,and I personally performed aIl types of work on residentiai and
commerciai properties.
Appraisais fpr the purpose of first and second mortgage Iaans, buyers, selters, property settlements, litigation,estates,
employee transfers, eminent domain,tax appeals,divorce,partners buy out, easements, partial interest,value for
owner,
I Appraisais fpr different types of properties like: vacant land,special purpose, apartments, muiti-family, s+ngie famity, offices,
schno�, part of an isiand, mixed uses, laundry mat, car wash, su6-divisions,health Gubs,day cares, churches,
restaurants, barttaverns,warehouses,retails, retail sa�es and services, motels,farms,gas stations, mini marts,car
Iots, strip meli, medicai ofCce or use and ottr�s.
6eing as commercial, industriaf,agriculture as well as single family residerttiat, have been made in the foUowing countles on
a reguiar basics: Dauphin,Cumberland.Perry,York, lebanon,Adams and Lancastec Aiso do some work in FrankNn, -
Juniata and Snyder wunty on time perrtritting basics.
Did eminent domain in these additional counties: Frankiin, Fuiton, Miffiin, Snydar, Berks, �ehigh, Northampto�and Monroe.
Oiher Counties on{y oh speciat requast.
Review of various appraisais.
PARTIAL APPROVED AND COMPLETED ASSiGNMENT UST
Internal Revenue Service Resolution Trust Corparation
U.S. Department af HUD!Property DisposiUOn Branch
Commonwealth of Pennsyivania Depattment oE Trensportatian Pennsylvania kiausing ar�d Financz Agency
Smai!Business Administratian Uniied Way of tha Capitat Regian
NAMI Pennayivania Central Pennsylvania Conservancy
Harrisburg Ciry Township of Derry
Annville Township Susquet+anna Township
Mt Holly Springs Borough Dauphin County Commissioners
Wheatfletd Township Lower A!!en Auihority
Lemoyne Borough
Serrateiii, Schiftman, Srown&Caihaon Attomey Knupp&Kadak Attamey
Cunningham&Ghernicoff PC Attomey James G. Mwgan Esquire
Morgen Haflgren, Crosswetf&I(ane Attorney Mette, Evans&Woodside Attomey
Siegrist, Kolter, Brightbill, Lang, 8 Feeman Saidis, Shutf, Flower 8 lindsay
Dissinger&Dissinger Attarneys Purceil, Krug&Heiler
MORGAN, James G.Jr., Esquire Hanson&Ruben
BRENtJEMAN, Keith O.-Aitomey Hanft&Vohs
Kiilian R Gephart GRUBB,Wiliiam Lewis-Attomey
Bariey, Snyder, Senft 8 Cohen, LLC Kay Dallsy-Attamey
Linton, �istasio,Adams&Palange, P.C. CGA Law Firm
Christian Meyers P.0 John King law
Jan Brown,Associates
Messiah Gollege Woifingtan Bady Company
Fuito�Precision ina Fulton industria�pevelopment Association
Herbert, Rowland 8 Grubic, inc. Engineers
Alpine Resorts, Inc. Friendship Fire Canparry
Palm pevelopment, inc. Marder and Associates, Inc.
Ffrsi Church of God Neison Ebersole
�
R ♦
! �
DARRAH-ESTATE-4
r�1e No. H13060426
**""*"*"*QUAIiFIGATIONS*�'**"*"**
PARTiAL APPRpVED AND GOMPLETED ASSIGNMENT.UST Gontinue
� Legacy Bank M&7 Bank
Community Bank First U�ion Bank
Commarce 6ank Sovereigh Bank
Farmer Trusi Bank Pennsylvenia State 9ank
Mid Penn Bank Aflfirst Bank
Blue Ball National 8ank First Union Bank
PNC 8ank Citizens Bank
First Nafional Bank of Marysvilie Gratz 8ank
Fulton Bank Eastern Savings Bank
YaRa�Naiionai Bank F&M Trust Gompany
Nationai City Bank Prudential Bank
Washington Mutual Bank Drovers Bank
Pennsylvania National Bank Halifax Naiio�al Bank
Juniata Vailey Bank Orristown Bank
Portage Natianal Bank Patriot Bank
FIRST National6ank of Newpnrt South County Bank
Union 6ank and Trust Company RBS Citizens, NA
Sovereign Bank of Newengland Pifththird Sank
Jonestown Bank 8 Trust Co First National Bank Of Fredickburg
Refiance Bank Metro Sank
Integrity Bank indyMac Bank Home l4an Service
Centrtc Bank liverpool Community Bank
Susquehanna Vaitey Federat Credit Unlon Se1ca Credit Union
Members 1 st Federai Credit Union Utilities Employee FCU
Enfrust Federai Credit Union CE Federal Credit Union
Credi#Union Mortgage Associatian State Depariment federai Credit U�ion �
USSCO Federat Credit Union
Equiry One, 4nc. GMAC
Sefect Business Services Windsor Financiei Martgage Corpaatian
Agents Mortgage Allstate Appraisai Review Service
American F�press Welis fargo Financial
Chase Manhatten Mortgage Corp. Data Search
Natio�a!City Morigage Capitai MoRgaqe Finance Cwp.
Statawide Morigage Associates, {rrc. Equiry Real Estate Salutions
Appraisal Management services of America interthinx
Valuatio�Partners O{d Guard Martgage 8 Finence
First Horizon Home taans Freedom Nbrtgage
First NLC Finance 5ervice Home loan Center
Home Funds Direct Gommon Mortgage Service
Equftabie Trust Mortgage Corp. Financia!Advisors Mortgage Service
AGMC Mortgage Old Dominion
The Mortgage Guys Mid Atlantic Capitai
Equiry One, Inc Primary Lending Services
Bank Six Mortgage Carp. Advance Financiai Pianning&Insurers
J71 Punding ideat Mortgage
Loan America, Ino. Carteret Mortgage Corp.
Synergy Financial Graup, inc Matathon Mortgage Solutions
Sun T�ust Nbrtgage
For other attorney, cities, borough,townships,churches,campanies, schoals, clubs,governmant agenciss and lenders not iisted
also tor many prpperiy owner Tor different reasons and needs.{032013}