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1505610140 REV-1500 EX (02-11)(R) a 1isE ONILr PA Department of Revenue County ode Year File Number Bureau of Individual Taxes INHERITANCE TAX RETURN Ha h BOX 1 2 1 1 3 1 0 0 0 Harrisburgg,, P PA A t712B-osol RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 0 9 0 5 2 0 1 3 0 5 1 7 1 9 3 1 Decedent's Last Name Suffix Decedent's First Name MI D R U S C H E L A N I T A L (If Applicable)Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW ❑X 1.Original Return 2. Supplemental Return 3. Remainder Return(Date of Death Prior to 12-13-82) 4. Limited Estate EJ 4a. Future Interest Compromise(date of 5. Federal Estate Tax Return Required death after 12-12-82) ❑X 6. Decedent Died Testate 7. Decedent Maintained a Living Trust 0 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 EI 11. Election to Tax under Sec.9113(A) Between 12-31-91 and 1-1-95) (Attach Schedule O) CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number I V 0 V . 0 T T 0 I I I 7 1 7 2 4 3 3,3 4 1 REGISTEg;OFrALLS USE ONLY fT1 Q C n O rn First Line of Address A r— rr1 m 1 0 E A S T H I G H S T R E E T d �'• p° Second Line of Address C) Co A r✓ 'a DATE FILED City or Post Office State 21P Code �. V "ri C A R L I S L E P A 1 7 0 1 3 Correspondent's e-mail address: IOTTOPMARTSONLAW.COM Under penalties of perjury,1 declare that I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief, it is true,correct and complete.Declaration of pra ara other than the personal representative is based on all information of which preparer has any knowledge. G A7URE OF PSON SPO IBLE FOR FILING RETURN D T ._VICE Aoee5i DruT md-7 44y/e, r-x cupA t��S� DDRESS ONE WEST HIG ST EET CARLISLE PA 17013 SIGNA E P 7HER THAN REPRESENTATIVE ( DA ADDRESS I 10 EAST HIGH STREET CARLISLE PA 17013 PLEASE USE ORIGINAL FORM ONLY Side 1 1505610140 1505610140 1505610240 REV-1500 EX(FI) Decedent's Social Security Number Decedent's Name: ANITA L . DRUSCHEL RECAPITULATION 1. Real Estate(Schedule A) . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. 2 9 5 0 0 0 . 0 0 2. Stocks and Bonds(Schedule B) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . 2. 1 4 8 1 4 6 . 8 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. 2 9 2 7 3 . 1 1 6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested . . . . . . . 6. 1 7 9 9 2 6 . 8 5 7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property (Schedule G) ❑ Separate Billing Requested . . . . . . . 7. 1 3 8 1 1 6 , 7 6 8. Total Gross Assets(total Lines 1 through 7) . . . . . . . . . . . . . . . . . . . . . . . . . . . 8. 7 9 0 4 6 3 . 5 7 9. Funeral Expenses and Administrative Costs(Schedule H) . . . . . . . . . . . . . . . . . . 9. 6 7 2 3 0 • 4 2 10. Debts of Decedent,Mortgage Liabilities, and Liens(Schedule 1) . . . . . . . . . . . . . 10. 7 2 6 2 . 1 9 11. Total Deductions(total Lines 9 and 10) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11. 7 4 4 9 2 . 6 1 12, Net Value of Estate(Line 8 minus Line 11) . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12. 7 1 5 9 7 0 . 9 6 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made(Schedule J) . . . . .. . . . . . . . . . .. . . . . . 13. 14, Net Value Subject to Tax(Line 12 minus Line 13) . . . . . . . . . . . . . . . . . . . . . . 14. 7 1 5 9 7 0 . 9 6 TAX CALCULATION•SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec.9116 (a)(1.2)x.D _ 0 . 0 0 15. 0 . 0 0 16. Amount of Line 14 taxable at lineal rate x.045 6 0 6 0 4 4 . 1 1 16. 2 7 2 7 1 . 9 8 17. Amount of Line 14 taxable at sibling rate X.12 1 0 9 9 2 6 . 8 5 17. 1 3 1 9 1 . 2 2 18. Amount of Line 14 taxable at collateral rate X .15 0 . 0 0 18. 0 . 0 0 19. TAX DUE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . . . . 19. 4 0 4 6 3 . 2 0 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT ❑ Side 2 1505610240 1505610240 J REV-1500 EX(FI) Pages File Number Decedent's Complete Address: 21 13 1000 DECEDENT'S NAME ANITA L. DRUSCHEL STREET ADDRESS ILONGSDORPWAY CITY STATE ZIP CARLISLE PA 17013 Tax Payments and Credits: 1. Tax Due(Page 2,Line 19) (1) 40,463.20 2. Credits/Payments A.Prior Payments B.Discount Total Credits(A+B) (2) 0.00 3. Interest 4. If Line 2 is greater than Line i +Line 3,enter the difference.This is the OVERPAYMENT. (3) Fill in oval on Page 2,Line 20 to request a refund. (4) 0.00 5. If Line 1 +Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 40,463.20 Make check payable to: REGISTER OF WILLS, AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred ...................................................................... ❑ ❑X b. retain the right to designate who shall use the property transferred or its income ............................... ❑ X❑ c. retain a reversionary interest ..................................................................................................... ❑ 21 d, receive the promise for life of either payments,benefits or care? ....................................................... ❑ X❑ 2. If death occurred after December 12,1982,did decedent transfer property within one year of death without receiving adequate consideration? ....................................................................................... ❑ X❑ 3. Did decedent awn an"in trust for"or payable-upon-death 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 designation?.................................................................................................. X❑ ❑ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994, and before Jan. 1, 1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent[72 P.S.§9116(a)(1.1)(i)]. For dates of death on or after Jan. 1, 1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent 172 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 decedent's lineal beneficiaries is 4.5 percent,except as noted in[72 P.S.§9116(a)(1)1. • The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent[72 P.S.§9116(a)(1.3)].A sibling is defined, under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption. REV-1502 EX-(12-12) pennsylvania SCHEDULE A DEPARTMENT OF REVENUE INHERITANCE TAX RETURN REAL ESTATE RESIDENT DECEDENT ESTATE OF: FILE NUMBER: ANITA L.DRUSCHEL 21 13 1000 All real property owned solely or as a tenant in common must be reported at fair market value.Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts. Real property that is jointly-owned with right of survivorship must be disclosed on Schedule F. Attach a copy of the settlement sheet if the property has been sold. ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE NUMBER OF DEATH DESCRIPTION I. Real estate located at 305 Shatto Drive,North Middleton Township,Cumberland County,PA, 295,000.00 known as Tax Parcel No.29-07-0471-047,being described in Deed dated April 17, 1987,and recorded in Cumberland County,PA,Deed Book P,Vol.32,Page 537,being conveyed to William O.Druschel and Anita L.Druschel,husband and wife. William O.Druschel died on January 21,2002, leaving title solely vested in Anita L. Druschel. See attached Settlement Statement. TOTAL(Also enter on Line 1,Recapitulation.) $ 295,000.00 If more space is needed,use additional sheets of paper of the same size. REV-1503 EX+(8-12) pennsylvania SCHEDULE B DEPARTMENT OF REVENUE INHERITANCE TAX RETURN STOCKS & BONDS RESIDENT DECEDENT ESTATE OF FILE NUMBER ANITA L. DRUSCHEL 21 13 1000 All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. Nine(9)Series EE Savings Bonds 100,026.00 See attached. 2. Three(3)Series HH Savings Bonds 20,000.00 See attached. 3. M&T Bank Securities,Inc.,Account No.AZC012483 28,120.85 See attached. TOTAL(Also enter on Line 2,Recapitulation) $ 148 146.85 If more space is needed, insert additional sheets of the same size REV-1508 EX+(08-12) pennsylvania SCHEDULE E DEPARTMENT OF REVENUE CASH, BANK DEPOSITS & MISC. INHERITANCE TAX PERSONAL PROPERTY ESTATE OF: FILE NUMBER: ANITA L.DRUSCHEL 21 13 1000 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. M&T Bank Checking Account No. 71360131 9,421.72 See attached. 2. M&T Bank Savings Account No. 15004214278283 6,093.49 See attached. 3. M&T Bank Securities,Account No.AZC012483 (cash) 490.00 See attached. 4. 2007 Chevrolet Corolla 7,873.00 Kelley Blue Book value 5. Allianz annuity check-received after date of death 1,184.68 6. Allstate annuity check-received after date of death 200.00 7. Diakon Luthern Social Ministries-refund 695.60 8. ADT Security Services-refund 35.15 9. Liberty Mutual Insurance-refund($577.00+$402.00) 979.00 10. Master Trust-premium refund 41.00 ]I. CenturyLink-refund 120.64 12. Excess premium reimbursement from emergency assistance plus program-refund 42.52 13. Bayer Combination Aspirin Products-litigation settlement 20.00 14. AMA Insurance-refund 23.97 15. PPL-refund 21.95 16. County tax proration 50.24 TOTAL(Also enter on Line 5,Recapitulation) $ 29,273.11 If more space is needed, use additional sheets of paper of the same size. Continuation of REV-1500 Inheritance Tax Return Resident Decedent ANITA L. DRUSCHEL 21 13 1000 Decedent's Name Page 1 File Number Schedule E -Cash, Bank Deposits, & Misc. Personal Property ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 17. School tax proration 1,980.15 SUBTOTAL SCHEDULE E 1,980.15 GRAND TOTAL SCHEDULE $ 29,273.11 REV-1509 EX,(01-10) pennsylvania SCHEDULE IF DEPARTMENT OF REVENUE JOINTLY-OWNED PROPERTY INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: ANITA L. DRUSCHEL 21 13 1000 If an asset was made jointly owned within one year of the decedent's date of death,it must be reported on Schedule G. SURVIVING JOINT TENANT(S)NAME(S) ADDRESS RELATIONSHIP TO DECEDENT A. Elizabeth U. Ludtke 719 Maiden Choice Lane Sister Apt.HR443 Catonsville,MD 21228 B. William Heinzinger 71 Lincoln Avenue Friend White Plains,NY 10606 C.June Heinzinger 71 Lincoln Avenue Friend White Plains,NY 10606 JOINTLY-OWNED PROPERTY: LETTER DATE DESCRIPTION OF PROPERTY %OF DATE OF DEATH ITEM FORJOINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR DATE OF DEATH DECEDENT'S VALUE OF NUMBER TENANT JOINT IDENTIFYING NUMBER. ATTACH DEED FORJOINTLY-HELD REAL ESTATE. VALUE OF ASSET INTEREST DECEDENT'S INTEREST 1. A. 03/1989 M&T Bank Certificate of Deposit 160,672.13 50. 80,336.07 Account No. 31003921871850 See attached. 2. A 08/1989 M&T Bank Savings Account No. 15004223648659 56,627.12 50. 28,313.56 See attached. 3. A. 07/1993 PNC Bank Checking Account No. 5501146801 2,554.44 50. 1,277.22 See attached. 4. B/C 09/1998 454 shares located at 101 Old Mamaroneck Road Owners 140,000.00 50. 70,000.00 Corp. TOTAL(Also enter on Line 6,Recapitulation) $ 179 926.85 If more space is needed,use additional sheets of paper of the same size. REV-1510 EX,(08-09) pennsylvania SCHEDULE G DEPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER ANITA L.DRUSCHEL 21 13 1000 This schedule must be completed and fled if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes. DESCRIPTION OF PROPERTY ITEM INCLUDE THE NAME OF THE TRANSFEREE,THEIR RELATIONSHIP TO DECEDENTAND DATE OF DEATH % DEWS EXCLUSION TAXABLE NUMBER THE DATE OF TRANSFER.ATTACH A COPY OF THE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST pFnralcnere) VALUE 1. Allstate Life Insurance Co.,Annuity Contract No. GA 17063655 69,994.91 100.00 69,994.91 Beneficiaries: Thomas P.Druschel (50%), son,and Linda D.Brody(50%),daughter. See attached. 2. Allianz Life Insurance Co.,Annuity Acct.No. 30083004 68,121.85 100.00 68,121.85 Beneficiaries: Thomas P.Druschel(50%), son,and Linda D. Brody (50%), daughter. See attached. TOTAL (Also enter on Line 7,Recapitulation) $ 138 116.76 If more space is needed,use additional sheets of paper of the same size. REV-1511 EX+(08-13) pennsylvania SCHEDULE H DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER ANITA L.DRUSC14EL 21 13 1000 Decedent's debts must be reported on Schedule 1. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERALEXPENSES: 1. Auer Cremation Services of Pennsylvania, Inc. 1,785.00 2. Meal after memorial service 276.79 3. Rev.Jennifer McKenna-ministerial honorarium 300.00 4. Andy Hoke-musician 200.00 5. Deb Brandberg-property facility manager 150.00 6. George's Flowers-flowers for funeral service 274.54 B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s)of Personal Representative(s) M&T Bank 16,858.91 Street Address One West High Street City Carlisle State PA ZIP 17013 Year(s)Commission Paid: 2014 Z Attorney Fees: Mattson Law Offices(estimated) 16,800.00 3, Family Exemption:(If decedent's address is not the same as claimants,attach explanation) Claimant Street Address City State ZIP Relationship of Claimant to Decedent 4. Probate Fees: Register of Wills,Cumberland County 443.50 6 Accountant Fees: 6. Tax Return Preparer Fees: 7. Cumberland Law Journal- legal advertising 75.00 8. The Sentinel-legal advertising 200.16 9. Register of Wills-additional short certificates 40.00 10. Auer Cremation Services- additional death certificates 60.00 11. Shipping fees for personal property retained by daughter 443.38 12. Postage 13.02 13. A to Z Tax Service,Inc.-final 2013 individual tax returns 140.00 14. Precision Cleaning&Maintenance Service-pending sale of 305 Shatto Drive 120.00 15. Wesley Woltz Construction-plumbing and gutter repairs pending sale of 305 Shatto Drive 530.00 16. Peck's Septic Service- inspection pending sale of 305 Shatto Drive 621.30 17. Hilton's Lock Service-pending sale of 305 Shatto Drive 264.09 18. Mahoney's-winterizing pending sale of 305 Shatto Drive 122.50 TOTAL(Also enter on Line 9,Recapitulation) $ 67 180.42 If more space is needed,use additional sheets of paper of the same size. Continuation of REV-1500 Inheritance Tax Return Resident Decedent ANITA L. DRUSCHEL 21 13 1000 Decedent's Name Page 2 File Number Schedule H - Funeral Expenses &Administrative Costs -B7. ITEM NUMBER DESCRIPTION AMOUNT 19. William H. Sweet,Jr.-installation of UV light pending sale of 305 Shatto Drive 1,012.22 20. Richard M.Etter,Jr.-repair leaking geothermal system pending sale of 305 Shatto Drive 835.70 21. The Mitigator-clean air handler,drywall repairs,and mold remediation pending sale 2,335.00 of 305 Shatto Drive 22. Miscellaneous expenses-pending sale of 305 Shatto Drive 232.34 23. PPL-pending sale of 305 Shatto Drive(124.19+251.02) 375.21 24. Century Link-final telephone bill pending sale of 305 Shatto Drive 120.65 25. Edmil Fuels,Inc. - fuel oil delivery pending sale of 305 Shatto Drive 516.19 26. LPS National Flood Insurance-flood determination pending sale of 305 Shatto Drive 6.25 27. Met-Ed-final bill for 85 Shimmel Way 107.75 28. Commission- sale of 305 Shatto Drive 17,925.00 29. Barristers Land Abstract-escrow fee for sale of 305 Shatto Drive 25.00 30. Realty transfer tax-sale of 305 Shatto Drive 2,950.00 31. Notary fee-sale of 305 Shatto Drive 10.00 32. Tax Certification-sale of 305 Shatto Drive 10.92 33. Home warranty-sale of 305 Shatto Drive 600.00 34. Mueller, Lang&Associates, LLC-appraisal report for 454 shares at 101 Old Mamaroneck 400.00 Road Owners Corp. 35. Register of Wills-additional probate 50.00 SUBTOTAL SCHEDULE H-B7 27,512.23 REV-1512 EX-(12-12) pennsylvania SCHEDULE I DEPARTMENT OF REVENUE DEBTS OF DECEDENT, NHERITANCE TAX RETURN MORTGAGE LIABILITIES&LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER ANITA L.DRUSCHEL 21 13 1000 Report debts incurred by the decedent prior to death that remained unpaid at the date of death,including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. Masland Associates-account payable 66.07 2. West Shore Anesthesia Associates-account payable 2181 31 Chase Card Services-account payable(712.10+ 194.77) 906.87 4. Diakon Lutheran Social Ministries-account payable 4,680.25 5. Christian Companion Senior Care-account payable 812.52 6. Smooth Transitions of Central Pennsylvania,LLC-account payable 304.50 7. EOS-account payable 153.08 8. Ormicare King of Prussia-account payable 140.59 9. Holy Spirit Hospital-account payable($9.43+$16.80) 2623 10, Cumberland Goodwill Fire Rescue EMS-account payable 69.87 11. Durham &Durham, LLP(Carlisle Physician Services)-account payable 22.40 12. SES Insurance Brokerage Service,Inc.-account payable 56.00 TOTAL(Also enter on Line 10,Recapitulation) $ 7,262.19 If more space is needed,insert additional sheets of the same size. REV 1513 EX,(01-10) pennsylvania SCHEDULE J DEPARTMENT OF REVENUE BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: ANITA L. DRUSCHEL 21 13 1000 RELATIONSHIP TO DECEDENT AMOUNTORSHARE NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE 1 TAXABLE DISTRIBUTIONS [Include outright spousal distributions and transfers under Sec.9116(a)(1.2).] 1. Elizabeth Ludtke Sibling 109,926.85 719 Maiden Choice Lane, Apt.HR443 Sch. F, Items 1-3 Catonsville,MD 21228 2. Linda J. Druschel Lineal 69,058.38 1345 Grizzly Peak Blvd. Sch.G,Items 1 and 2 Berkeley,CA 94708 3. Thomas P.Druschel Lineal 69,058.38 17B Arbor Way Sch.G,Items I and 2 Holyoke, MA 01040 6. Linda J.Druschel Lineal 116,981.84 1345 Grizzly Peak Blvd. Sch. F, Item 4 Berkeley,CA 94708 1/4 of residue 7. Thomas P.Druschel Lineal 116,981.84 17B Arbor Way Sch.F,Item 4 Holyoke,MA 01040 1/4 of residue 8. Bruce Brody Lineal 116,981.84 1345 Grizzly Peak Blvd. Sch. F,Item 4 Berkeley,CA 94708 1/4 of residue 9. Bonnie B. Druschel Lineal 116,981.83 17B Arbor Way Sch.F,Item 4 Holyoke,MA 01040 I/4 of residue ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET,AS APPROPRIATE. ll. 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. 1. TOTAL OF PART 11-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $ If more space is needed,use additional sheets of paper of the same size. FAFILFSf6 M4471 D hW4471.1.,VW LAST WILL AND TESTAMENT I, ANITA L. DRUSCHEL, of North Middleton Township, Cumberland County, Pennsylvania, being of sound and disposing mind and memory, do hereby make, publish and declare this to be my Last Will and Testament, hereby revoking any and all former Wills or Codicils made by me. 1. I direct that all my legally enforceable debts,funeral expenses,testamentary expenses and all death taxes (whether such taxes may be payable by my estate or by any recipient of any property) shall be paid from my residuary estate as soon as practicable after my decease and as part of the administration of my estate. My Executor shall have no duty or obligation to obtain reimbursement for any such tax so paid,even though on proceeds of insurance or other property not passing under this Will. 2. I give such items of personalty as are itemized in a certain list, if any, to the persons named thereon, which list is signed and dated by me at the end thereof. 3. I bequeath any automobiles or motor vehicles I may own at my death, my personal effects,household goods and other tangible personal property of like nature(not including cash or securities), together with any existing insurance thereon, to my children as are living on the thirty-first day after my death, to be divided between them with due regard for their personal preferences in as nearly equal shares as practical and as they shall mutually agree. I direct that any of the foregoing articles not selected by such children or about which there is no agreement shall be sold at public or private sale by my Executor, and I further direct that the net proceeds thereof shall be administered and distributed as a part of the residue of my estate. /V)l [Initials] Page I of Pages 4. I give,devise and bequeath all the rest,residue and remainder of my estate,both real and personal property, in the following manner: a. Fifty percent (50%) thereof unto my daughter, LINDA J. DRUSCHEL, and her husband, BRUCE BRODY. b. Fifty percent(50%)thereofunto my son,THOMAS P.DRUSCHEL,and his wife, BONNIE B. DRUSCHEL. 5. I nominate, constitute and appoint MANUFACTURERS AND TRADERS TRUST COMPANY, a New York banking corporation, with offices in Carlisle, Pennsylvania, as Executor of my estate. 6. I direct that all fiduciaries acting under this Will,whether or not named herein, shall not be required to give bond for the faithful performance of its duties in any jurisdiction. 7. I authorize and empower my Executor, in its sole and absolute discretion,to purchase or otherwise acquire and retain any investments of which I die seized or any real or personal property of any nature; to sell, lease, pledge, mortgage, transfer, exchange, dispose of or grant options in regard to any or all property of any kind forming a part of my estate for such terms and such prices as it may deem advisable;to borrow money for any purposes connected with the protection and preservation of my estate; to mortgage or pledge any real or personal property forming a part of my estate or to join in or secure the partition of same; to compromise any claims or demands of my estate against others or of others against my estate;to make distribution in kind and to cause any share to be composed of cash,property or undivided fractional shares in property different in kind from any other share;to employ agents, attorneys and proxies and to delegate to them such power as my Executor considers desirable and to pay reasonable compensation for such services as may be rendered by such agents, attorneys and proxies; and to execute and deliver such instruments as may be necessary to carry out any of these powers. V-� [Initials] Page 2 of 4 Pages In addition, I direct that my Executor shall have the power to conduct an inventory of any safe deposit box necessary to the administration of my estate. IN WITNESS WHEREOF I have hereunto set my hand and seal this a3� day of 2011. &'n L / `fir/^1 Anita L. Druschel SIGNED, SEALED, PUBLISHED AND DECLARED by the above-named Testatrix, as and for her Last Will and Testament, in the presence of us,who at her request,have hereunto subscribed our names as witnesses thereto,in the presence of the said Testatrix and of each other. Page 3 of 4 Pages COMMONWEALTH OF PENNSYLVANIA ) SS. COUNTY OF CUMBERLAND ) We, Anita L. Druschel, No V. Otto III and LOf r i rte. L. Ir1 l�l erS the Testatrix and the witnesses, respectively, whose names are signed to the foregoing instrument, being first duly sworn,do hereby declare to the undersigned authority that the Testatrix signed and executed the instrument as her last Will and that the Testatrix has signed willingly, and that the Testatrix executed it as her free and voluntary act for the purposes therein 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 his/her knowledge the Testatrix was at that time eighteen years of age or older, of sound mind and under no constraint or undue influence. �L O AIta' Drusc hel, Testatrix Witness Witness Subscribed, sworn to and acknowledged before me by Anita L. Druschel,the Testatrix, and subscribed and sworn to before me by No V. Otto III and 0-Of'r tvt v- L�yrS the witnesses, this oZ' rj' day of 20 /C /,LGc4:'��ld Notary Public COMMONWEALTH OF PENNSYLVANIA NOTARIAL SEAL Victoria L Otto,Notary Public Carlisle Boro,Cumberland County M commission expires December N.2014 Page 4 of 4 Pages ON13 Approval No.2502-0265 Gip( A. Settlement Statement {HUD-1} B.Type of Loan 1.❑FHA 2.❑RHS 3.❑Corn.Unins. 6.File Number: 7.Loar.Number: 8.Mortgage Insurance Case Number: 1301-31297 4.❑VA 5.❑Com, Ins. C.Note:This form is furnished to give you a statement of actual settlement costs.Amounts paid to and by the settlement agents are shown Items marked "(p 0,C)"were paid outside the closing;they are shown here far informational Impasse and are not induced In the totals. D.Name&Address of Borrower: E.Name&Address of Seller: F.Name&Address of Lender: James F.Gooney,Vanessa Cooney Estate of Anita L Druschdl 18 Butler Court,Cadlsle,PA 17013 305 Shales Drive,Carisle,PA 17013 G.Property Location: H.Settlement Agent: I.Settlement Date: 12111/2013 305 Shallot Drive Barristers Land Abstract Company Disbursement Date:1217 V2013 Carlisle,PA 17013 9310 Market Street,Ca-p Hill,PA 17011 North Middleton Township 717-761$190 Place of Settlement: TR Exprass 183 North Hanover Street,Cadis;e,PA 77613 Printed 12/1012013 at 2:38 pm by LM , t00. Gross Amount Due from Borrower 400. Gross Amount Due to Seller 101. Contract sales Price 295,O0000 401, Contract sales price 295,000,00 102. Personal properly 402. Personal property 103. Settlement charges to borrower(Iine 1400) 8,299,80 403. 104. 1 404, 105, 405 Adjustments for items paid b seller In advance Adjustments for Items paid by seller in advance 106, City/town taxes to 406. City/town taxes to 107. County taxes 1211112613 to 12/3112013 50.24 407. County taxes 1211112013 to 12!31 12013 50.24 m0& School Texas 12y11201.3 to eV3001d 1,980.15 408, Served Taxes 12+1112013 to 06M2014 1,960.15 109. 409. 110. 410. 111. 411. 112, 412. 120. Gross Amount Due from Borrower 305,330]9 420, Gross Amount Due to Seller 297,030.39 200. Amounts Paid by or in Behalf of Borrower 500, Reductions In Amount Due to Seller 201, Deposit or earnest money 10,000.00 501. Excess-deposit(see instructions) 202 Principal amount of nwr iaan(s) 502. Selllament charges to seller(Sne 1400) 42,14222 203. Existin Innis)taken subject to 503. Existing loafs taken sui to 204, 504, Payoff of first mart a eloan 205. 505. Payoff of second mortgage loan 206. Ms. 207. 507. 208, 500. 209. 509. Adjustments for Items unpaid b seller Adjustments for items unpaid b seller 210. City own males to 510. CityAown taxes to 211, County taxes to 511. County taxes to 212, Schaal Taxes to 512. School Taxes to 213 513, 214, 514, 215. 516, 216. 516, 217, SIT 218, 518. 219. 519. 220. Total Paid by/for Borrower 10,000.00 520, Total Reduction Amount Due Seller 42,id222 300. Cash at Settlement harelip BoromZ 600. Cash at Settlement totfrom Seller 301, Gloss amount due from bamener.6'o 120) 30'J,336.i9 60L Cross amount duets seller hind 420) 297,03039 302. Less amounts paid byifor borrower(line 220) 10,000.00 602. Less reductions in amount due seller(line 520) 42,14222 303. Cash ❑X From ❑ To Borrower 295,330.19 603, Cash 0 To ❑ From Seller 254,888.17 w� i> .ixemn=o.•Mn.midi°ales"r.:w„Awoe,'u�a„w,w:viu«.Fe¢°"m`°a>"no:°.,a,: '"` • :"" .a„m ,': ,;ai."r+r-t'•sounp,°we�=oawrtw m:"� Previous editions are obsolete Page 1 ot 4 HUD-1 700. Total Real Estate Broker Fees $18,150.00 Paid From Paid From Division of commission line 700 as follows, Borrowers Seller's 701. $9,075.00 to Prudential Homesale Services Group Funds at Funds at 702. $9,07500 to Howard Hanna Carlisle office Settlement Settlement 703. Commission paid at settlement 2252 17,925.00 000. Items Payable in Connection with Loan 801. Our originalion charge (Includes Origination Point 0.000%or$0.00) $ (from SEE#1) 802, Your credit or charge(points)for the specific interest rate chosen $ (from SEE#2) 803. Your adjusted originalion charges (from GFE A) 804. Appraisal fee to (from GFE 93) 805, Credit repod to (from GFE#3) 806,- Tax service to from GFE#3 807. Flood codification to from GFE 43) 808. to 900. Items Required by Lender to be Paid in Advance 901. Daily interest charges from from 1211112013 to 0110112014 @$0.001day (from GFE#10) 902. Mortgage Ins.Premium for months to (from GFE#3) 903, Homeowner's insurance for months to (from GFE#11) 904. months to from GFE#11 1000. Reserves Deposited with Lender 1001. Initial deposit for your escrow account (from GFE#9) 1002.Homeowner's insurance months $ 0001month $ 1003.Mortgage Insurance months @$ 0.001month $ 1004.City Property Tax months @$ 000 1month $ 1005.County Property Tax months ii$ 72.771monlh $ 1006,School Taxes months @$ 298.17/month $ 1007.Aggregate Adjustment $ 1100.Title Charges 1101. Title services and lenders title insurance from GFE#4 2000 1102. Settlement or closing fee to $ 1103. Owner's title insurance-First American Title Insurance Co-Hog $ from SEE#5) 2,062.50 1104. Lenders tille insurance-First American Title Insurance Cc-Hog $ 1105. Lender's title policy limit$0.00 Lender's Policy 1106. Owners title policy limit$295,000.00 Owners Policy 1107. Agent's portion of the total title insurance premium $1,856.25 1108. Underwriter's portion of the total title insurance premium $206.25 1109. Escrow Fee to Barristers Land Abstract 25,00 General-Hb 1200. Government Recording and Transfer Charges 1201. Government recording charges $ (from GFE#7) 71.00 1202. Deed$71.00 Mortgage$ Release$ 1203. Transfer taxes $ (from GFE 1 2,950.00 1204. City/County tax/stamps Deed$2,950.00 Mortgage$ 1205. Stale Tax/stamps Deed$2.950.00 Mortgage$ 2,950.00 1206, Deed$ Mortgage$ 1207. $ 1300.Additional Settlement Charges 1301.Required services that you can shop for (from GFE 96) 1302. Notary Fee to Nandi Lenker 10.00 1303, Pest Inspection to 1304. Tax Can Reimbursement to Barristers Land Abstract Cost Hog 10.92 1305. Home Warranty to AHS 600.00 1306. Radon Test to Bass Air Quality Services - 125.00 1307, Radon Mitigation to Bass Air Quality Services 725.00 1308, Deed Preparation to Manson Law Off ice-POC Seller $ 1309. Inheritance Tax Escrow to Barristers Land Abstract Escrow-Hh 20,000.00 1310. Inspection/Pumpllnspecllrepairs to Peck's Septic Service 621.30 621.30 1311. Brickwork/Chimney flashing to Jeff Swartz 700.00 1312. Landscaping bill to Jeff Swartz 8017.00 "r _ l r 8,299.80 42,142.22 'Paid outside of closing by(B)orrower,(S)eller,(L)ender,(pnvestor,Bro(K)er."Credit by lender shown on page 1.-Credit by seller shown on page 1. Previous editions are obsolete Page 2 of 4 HUD-1 EMZMI��Ibt.1103 and 1104 i Name of Borrower: Name of Seller: File Number James F.Cooney Estate of Anita L.Druschel 13-0131297 Vanessa Cooney TitleExpress Prepared 12/10/2013 at 3'.08 pm Note: This page is furnished to give you an itemization of the amounts shown on Paid From. Paid From - tines 1101, 9103 and 1104 of the Settlement Statement(HUD-1), This page Borrower's Seller's accompanies but is not a part of the settlement statement. If a discrepancy Funds at Funds at exists,the information shown on the Settlement Statement{HUD-1)applies. Settlement Settlement 1100, Tifle Charges - - Amounts included In Line 1101 1101. Title semmes and lender's title insurance 20.00 a. Notary Fees $ 5.00 b WTO Fee 15.E .. .. $ 20.00 1102. Seiilement or chesunri 1103. Owners title insurance (policy) $ 2,062.50 2,062.50 1104. Lender'stioeinsurarxe (Total 1103<1104) �2ffi25ff 1105. Lender's title policy limit 1106. Owner's title pollcy_Nmit$295,0008), 1107. A ent's pxtim of the total Was Insurance premium $ 11856.25 1108. Underwriters senior,of the total title insurance prom. 206.25 (Total 1107+1108) 1109. 1110. 11 1 v ry 1112. Additional Information for Line I 101 Items Total Borrower Borrower Seiler ; 1100. Tide Charges with Payee Charge POC or Credit LIne1101 Paid'.: 1101. Tile services and lender's title Insurance $ a.Notary Fees to Nandi Lenker 5.30 _ b.Wire Feeto Banisters Land Abstract Wire-Hog 15.00 15.00 $ 20.00 20.00 HUD CERTIFICATION OF BUYER AND SELLER I have carefully reviewed tRe HUD-1 Settlement Statement and to the best of my knowledge and belief,it is a true and accurate statement of all receipts and disbursements made on my account or by me In this transaction S further certify that I have received a copy of the HUD-1 Settlement Statement r' James F.Cooney Vanessa Cooney ESTATE OF Ahl L.DRUSCHEL Ass'tVK Prsldenl.f .Nrers&Traders Tus!Company,ExecW t Settlement Agent The HUD-1 Settlement Statement which 1 have prepared is a true and accurate account of this transaction.I have caused or will cause the funds to be disbursed in accordance with this statement. cTTLE.MENTAGENT /1 DATE WARNING:IT IS A CRIME TO KNOWINGLY MAKE FALSE STATEMENTS TO THE UNITED STATES ON THIS OR ANY SIMILAR FORM,PENALTIES UPON CONVICTION CAN INCLUDE A FINE AND IMPRISONMENT.FOR DETAILS SEE TITLE 18.U.S.CODE SECTION 1001 AND SECTION 1010. Previous editions are obsolete Page 4 of 4 HUD-1 M (7 p I r N p O O O w w w w w w w w w 0 N N Z N 7 0 O N O y 0 m D) NN N 7 N '7 NNN 7p d O � NNNNNNNNNN A (A (p (4 +• 000000000 0 (a N N N N N N N N N f0 ^ O O N- � � y0 N Lo as H oo aNi ''o�Q� M M M M M M M M M (0 a N 3 0 n O LL � •N+ o o O 0000 o oo y� = RNNNNNNNNN 2 c O0 �L •+ � � O � Or N (0 ZaNU x .- .- .- ., fA U X N C O N = N Z — t= c8o 0 32 ry�. 0 0 0 0 0 0 0 0 O 'O 0 77 - O � c 77 ^ 0 0 0 7 ai �O W"n o L cR 7 (n Un to O o 2Z c o N 0 0 0 0 0 0 0 0 0 l00 = • ao w 0 0 0 0 0 0 0 0 (D d = N 0«O (p 0 0 0Z 0 0 0 0 0 CL oE� ao T.- N 000000 O 00 p_� Xv yM. M O7 07 (0 (00. moONN 0 - M (D M (O M M � x � N cON a� N N " LN Eyc � r � 7070771l- qzN n x'- O wO1Hao CL 0 m' d 000000000 t zW a a. c 000000000 vNT�� p � d co M (7DM (70 M M � = OCNm � C d00 N NNW NN (O aHo0ti� �" 7 7 O) u)Oi(ci Oi Q) V N - .� j O (» Wow^ C > a00) Za v 000000000 f0� 1 Q o 0 0 0 0 0 o 0 o W c o C N00000000o cZg as X000000000 •` 0 0 000000 (D L • ��_ O. N� N (n (n (n (n to (nN c d N W W O) OO) OO) Om mom 'A � .. rnrnrnrnrnmrnrnrn 'o" > > c O 0 — a'c'own � '- •- o NNN U N 3 3 • o u.i ui`o a �ww Ewwwwwwwww = 000 � wwwwwwwww -- 0 Z 77 (00 w (D (0 (07 NNN N N r r 0 (D 0 0 0 O r U_U)V I- r- co co M w M M t� Q(D(D a N M M "cy Lo (N(yy (D (N(yy N M � N (pN N > > x x X X X x > N N N c E °o °o 00 00 0000 00 0000 oco =oa 0 0 0 0 0 0 0 0 0 0 a a a C (n (n 0 0 0 0 0 0 N A QNw o N W (6 d W W W W W W W W W O `y W F- LU W W W W W W F to A 00 NO O C TN m Z � NM71D (D i� W W j 0 0 C m M M 0 r 0 « O O O p o N N Z p O N O .�`. y 0 rn m O N ��.' yNNN 10 � N to 0 0 0 > A N N N Q A O O O y 0 N w C U IL m N �m CL 6s N y d r d C i0 NNN d 00 ZL O k 0 0 0 « Z X N y C y Z C L U p C C N O O N L } 0 a°Z CO w 0 0 0 O x • a N p « 0 0 0 d 2 N � � � � 'VN c y y 'C w0 TC 0 000 Wa= 0m °o o °o o o d m m E c U M O > � O C » Wrnmam Q O N W N C d "-' 3 m«� a 000 0,3Ern N N N 0 0 0 c 0 c �. > � trnrnacOo °zv m r N C dMM CO x��� � C - m O m Zn d U n� m o > Q O O O W N C CO C yo00 -`zgMM °o °O °o m ' `m `mx CL LO LO CD w M N C C NNN y 3CN d « 000 M�.' C.MyN m jm N A NNN C N O C N NG n n n L (A .O'C'-wU 0 0 0 w m W ULLX y Ud33 `Jl 0 d �ww c O w 2 2 2 o o y = 2 N N N Z NNOoi dddm CO Cl) N CIJ 00 FU yco co00 (D fmmm y > > x N N y� O OO O O C C C n °o °o 0 aaa_ Q �LL'iO Qh. N �a LO m o dxxx I— (A 0 N N C m Z N M j Cl) 'C C M&T Securities,Inc. 285 Delaware Avenue,Suite 2000,Buffalo,NV 14202 Date of Death Holdings as of 9/5/13 Account : AZC01 2483 Symbol Security Name Quantity Closin Price Market Value ( IC`' 3 Cash and E uivolents USD ICASH -$490-007 ((,^� Mutual Funds MSFRX MFS TOTAL RETURN FUND CLASS A 1,706.360 $16.48 . $28,120.05 ZYCm 3 TOTAL '�� t $28 610.85 Investment and Insurance Products:•Are NOT Deposits•Are NOT FDIC-Insured Are NOT Insured By Any Federal Government Agency•Have NO Bank Guarantee•May Go Down In Value Brokerage services and Insurance products are offered by M&T Securilles,Inc.(member FINRAISIPG),not by M&T Bank. M&T Securities,Inc.is licensed as an Insurance agent and acts as agent for Insurers.Insurance policies we obligations of the insurers that issue the policies. Insurance products may rat be available in all states. '^ �GVI, � I Z`tc/ill © M&T Bank 499 Mitchell Road,Millsboro,DE 19966 Adjustment Services Phone 888-502-4349 Fax (302)934-2955 October 7,2013 Wilmington Trust Company James A. Smiley Re: Estate of Anita L.Druschel Social Security:213-28-8420 Date of Death: Seotmber 05.2013 Dear Sir or Madam: Per your inquiry on October 01, 2013, please be advised that at the time of death,the above-named decedent had on deposit with this bank the following: 1. 7ypeofAccount Checking Account Account Number 71360131 Ownership(Names of) Anita L.Druschel Linda Druschel(POA) Opening Date 0711511996 Balance on Date of Death $9,421.66 Accruedlnterest $ .06 I Total 2. Type of A ccount Savings Account Account Number 15004214278283 Ownership(Names o)9 Anita G Druschel Linda J.Druschel(POA) Opening Date 0510912006 Balance on Date of Death $6,093.33 Accruedlnterest $ .16 Total : $6,093.4 9 Sc�. �, Ee m a c' 1R. C- t :ire Sck. F t -4el\l,s 3. Type ofAccount Certificate of Deposit Account Number 31003921871850 Ownership(Names o)7 Anita L.Druschel Elizabeth U.Ludtke Linda Druschel-Broby(POA) Opening Date 0312211989 Balance on Date of Death $160,511.84 Accrued Interest $ 150.19 ff Total 4. Type ofAccount Savings Account AccountNumber 15004223648659 Ownership(Names ofi Anita L.Druschel Elizabeth U Ludtke Linda Druschel-Broby(POA) Opening Date 0811711989 Balance on Date of Death $56,626.51 Accrued Interest $ .61 Total .'$56,62211 For any additional information on the above accounts,Including ownership and any ehanget,cinsures and/or reimbursement of funds, please call the Spring Garden at 717-2404525. We were unable to locate any safe deposit boa for the above-mentioned decedent. This letter does not include any accounts in which the deceased may have ban listed as Power of Attorney,Custodian of Uniform Transfers, Representative Payee,or Trustee under a Written Agreement Sincerely, Valarie Mercer Adjustment Services GOV November 4,2013 Wilmington Trust N A One West Hight St Carlisle PA 17013 RE: Anita Druschel SSN: 213-28-8420 DOD: 09/05/2013 Dear Sir/Madam: In response to your request for Date of Death(DOD)balances for the customer noted above,our records show the following: Checking Account Account# 5501146801 Established: 07/07/1993 ELIZABETH U LUDTKE ANITA DRUSCHEL DOD balance' $2,554.42+0.02 accrued interest Please note that this office provides date of death balances for deposit accounts(IRAs,CDs,Checking and Savings). We do not process any financial transactions or provide statements. If you need assistance with any of these items,please call 1-888-PNC-BANK(1-888-762-2265)or stop by your local PNC Bank branch office. Sincerely, National Financial Services Center PNC Bank,N.A. Member FDIC This message is intended for the use of the individual or entity to which it is addressed and may contain confidential information that is privileged, confidential and,exempt from disclosure under applicable law. If the reader of this message is not the intended recipient or the employee or agent responsible for delivering this message to the intended recipient,you are hereby notified that any dissemination, distribution or copying of this communications is strictly prohibited If you have received this communication in error,please notes me immediately by reply or by telephone at 800 762-1775 and immediately destroy this faxed document Page i of I �Gb. F -T-4ly� 3 a "f✓\ S a u, s a ,i�m `i`. u v SJ :- \ 4i>xy� Ctµy � ,. • �.f�73 .4{ t� �,.,Ln.f � Sf,,�ftir \ \ �\ 5i{rJ��{'t•'�:F- '-;. . �` wi 41•,e: ; 4�- �:'$" \ \'v\ \ \ � :�+i°yiia^at`3 � �"� ` ? i y; , ,a�:�,t� ;..�� `�'fi ,`M�,`})`Y4. E,; '^ 7t ' Cyr '•�f.,r G'. 'N �F4 1� r.� r }' •'lam •\ \ �`... v S' " - r _ry r ii \ )l F -• ��� 3 � 11t15' V� � tlri"{i^y's"y°�¢ -•P ?�'<. a � 3t%i .�nr. } y'` r -ir r ,ii'. \ '\ `5�� .f:,�fy _ •"ui't'f`° 1p,, \tt` 1• .� � ^ ;^�Y 4'fV+tg�qf l'� [ r: y52'� n n \ uttfirlfftri �1 ♦ '•4{t1�4' �r�t'.<<,. r y t ' f � • ,„krRn'�l7Ur, , kdt-�`�`" �' ,J !<iy, , i {. i� I,lGvl a �•"a9 l {tS\�' L 41 tt#"+f5:`�.':, P .� jrr• rlir x � y .flw .� l� rrrrY UY'.le't •f '�' �� ,i,:p I• w F��It � s�k��_}y.r �.�.y `'yilJ� _ �6� • J,��r �,q;. r.+. \ \ It1A.`,i�4 \�i, tl v `n,s t . 4 .sv �• `* ••f \ rtr E 3i , �i. v 3; Mueller,LOV 6 Assonetes,LLC. Estate of Ands L Druschal Fie Ne 2 Overbok Road,e2S7 APPRAISALOF vt ay- e i I� 1 t 1' A s •- I I Cooperative Interest link LOCATE D AT: I 2 Overbak Road Mks Plains.NY 106052407 FOR: Mr.James A.Smiley-Exea4ar d Oro OnnUlel Estate Om Mst High Street Carlisle,PA 17013 BORROWER: I NIA AS OF: September 5,2013 i I BY: i Kevin Lang i 45000046937 I i 455 Central Park Avenue,SWe 209,Scarsdale,NY 10583 Phone:9149064556 Fax:914.931-5568 Email.kevin®muelbd.V.mm Mueller,Lang 8 Associates,LLC. Estate of Anilx L.Omfchal File No.2 Overlook Road,#257 i II 052812014 Mr.James A.Smiley-Executor of the Dmschel Estate One West High Street Carlisle,PA 17013 File Number: 2 overcook Road,#2S7 I` In accordance with your request, I have appraised the real property at: . - - 2 overlook Road While Plains,NY 10605-2407 The purpose of this appraisal is to develop an opinion of the market value of the subject property,as improved. The property rights appraised are the market value of the cooperative interest. In my opinion, the market value of the property as of Septembers,2013 is: $140,000 One Hundred Ferry Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions, final opinion of value, descriptive photographs, limiting conditions and appropriate certifications. Respectfully Submitted, Kevin Lang O 45000046937 Mueller,Lang 8 Associates,LLC. it 455 Central Park Avenue,Suite 209,Scarsdale,NY 10583 Phone'.914-906 4558 Fax:914-931-5588 Email.kevin @muelledang.core Mueller,Lang&Associates,LLC. Estate of Anita L.Druschel Individual Cooperative Interest Appraisal Report File No 2 overlook Road.Al The purpose rf this summayr appraisal report is to provide the lenderlclient with an accurate,and adequately supported,Opinion of the market value of the subject property. Pro Address 2 Overtook Read brief 2S7 City White Plains State NY Zie Code 106052407 Dortrwer NIA Current Owner Estate of Anita L.Dwschel Count Westchester Legal Description Section:130.36'Black:13'Lot:5 Proect Name iOld Mamaroneck Owners Co Phases NIA Ma Reference He strom'1] K-21 Consul Tract 00%00 M Owner J&jTemarslIAaraei I Temnt R ulatetl Rent) Vacant Months Maintenance Foes 899.42 er year % permonth „ Proplay Rights A raised WCoolgerative I j0pher Expiration Date of regulatory Lease 0612083 Special Assessment i None Noted Assi nmentT Lj Purchase Transaction I j Refinance Translation L&CUmerdiescred Market Value LQndalGl¢nl Mr Jemee A emile EzecNO�olNe nrvscael Eatale AOtlress One West Hi h Street Carlisle,PA 1]013 15 the sY eq property cul Offered for sale a has 11 been Offered for sale In the livelne months peor to the alliance,mile of this a alsal? UYn, Wild Report data sources)used offering pncels),and dates). Based Photon the data sources available to your appeaser,there has not been an,pror sale a recent liating of Me sub'a tit unit within the last 12 months. did Lj did net analyze the foreved for sale la the suntan purchase transaction.Explain the results of the analysis all contract la sale a why the analysis was not performed NIA-Market Value ContrailPoCei Market Value Date of Contract DOD 0910113 Is the o seller the wrtep oxneR Yes No Data Sources Is there any financial assistance(loan charges.sale concessions gift or dowersomem ass ipance.ec.)tothe paid by any parry on behiodathe borrower? Yes N0 If Yes.report the noel dollar amount and describe the items to be paid. NIA None Known Note:Race and the rectal com osieon oltne net nnornood are note isal lectors. NeighborhaolCharacleristics Lo.Met].Housing Trends =Lo. 40 g Present Lord Ilse% Location Urban Suburban Rural Pro en Values Inueaen X Stable Dedinim One Unit 65% BuIW Over)5% 25 TS% Untla 25% DemanNSu Shatae In 6alatae Over SU 2x Unit 5% Growth Raltl Stabl¢ Slow Marked Time Under]mths 36mi hs OverOmths 0 Multi Famfl 5% Neghborhood Boundaries The subject ne hborhood is bounded b Main Street nil the North Mamaroneck 5 Commercial 20% Avenue to the East'Hartsdale Avenue to the South'ark South Lexn ton Avenue to the West. 1 Other Other 5% Neghborhood Desadyiom The appeal of the subject marketing area is deemed good and is within dose Proximity to schools shopping areas and other cif amenities.Em to then stability is deemed good and large em lament centers are within commuting distance.Small businesses therearly make up the commercial land use and is not deemed adVBRe to marketability Mancel Coadgiorsprlduding suppo,la the above conductors) See Addendum. Is More a demonstrated market accepurxe of the corporation lam of ownership in fire sunect neghherhootl? X Yes No If1hodesembe. TdMddqrWhy Level Sias Typical Density Typical View ResideardaVAve S Zmin'O CCZomm Clascaon 1P Zoni Description Coo rative Apartment ance 41 O the coming r orations peal rebuilding to current dense? Flyrs No )N.Z.rMq LJ Illegal plasai be Isthehlghestardhesluss Dfthesuyetproperty as improved!(or as proposed per plans and specifications)Me present use? ZYes UNO If No hosannas Ulllllles Public Other descnna Pobllc OIM1er tleutlne Of-sitelm m enrs—T PubGe pliwo EIeQUib Water X Sired Macadam Gas X i I Sol Sewer LXJ Li Agent Norte FEMA Speciat Flood Haven Area Yes R No FEW Flood Zone X FEMAW 0 M1 I9CO269F FEMA Ma Date 092812007 Are the andhs and off-me immvemems cal for the marks area? % Yes No If No,describe Are there any adverse Ole conditions a external factors leasements,maddachmerlts,emnrocmenlal wndilirns.land uses,etc.)? UYes LZJNo IIYes.dechre Apparseerhas rot checked land records for recorded easements encroachments environmental donations land uses etc and has only recorded what seems no be apparent General Description General Description I General Description Car Staa e ldUnbs 197 1XIEnsional I Chira In Goad T of Parkin Outdoor BGara e if of Builcanqs 2 Pro setl Exterior Walls Bride Guest Parkin Yes No 4 at Staiesd Under nrearrttion Rocl Solace Ta Total/Patin S des Unknown i ofOverall 4 2Each Building Year Built 1953 WincowT Double Hung Ratios cesmnns Unknown Prep oesui 'on Detochetl RowaTOwnholse Garden MidRise Hi loft. X Omer dMihe Post-wadMid-rise Pr'ep 'Mae Mb and Ponca al Residence S. Home a Reaedirnaf Fat Cooperative Project Management Sponsor(Developer UCoopua#iem Management Agent-Provide name of management company: Garthemater Reality Ltd, 914-725-MM Is the cooperative pryer pan die master assaiall Yes TN. If Yes,describe As per the management ocanceenry,1Ne ceo erative pround,is not 2art of a master association. Wasihe prated created bythe conversion of an existing Wiltling(s)into a cooperative? X)Yes No If Yet,desaibethe signal Whard the nateolconversion. As per the management company,the subjects or anal use was a rental buildi and was convened In 1982. Isthere any commercial space in the project? Yes X No If Yes,descibe and indicate the overall percentage of the commeadal space. Describe the prated amenities pnautling security features,recreational facilities.al Typical common elements Intercom Ooarman Rooftop Deck Are the units and aided annamses typical and complete? X Yes U No If No describe Yes the units and Propel amenities are typicia and com lets. Demibe the concition ate prrgect and quality of corste ction. Project slope ere adequately maintained and in ootl overall coedition. Quality of construction am desiornbuqatecal is typical of the market lace. Are there fees.ahanhan regular monthly maintenance l¢QS or MOMNy assessments.such as sptalal assessments,de.fnf use of facilities? JYes WNo II Yes,descrlb¢and comment an wmpadbirity no either projects in the market area None Noted by Marra aural pefml wy.W sdaS as 3L aid a nneeRa On Fannin We I'Pi M'1 wren ei eaenitl6 N/eSPlae Mueller,Lang 8 Associates,LLC. Estate Of Anita L.ONSChaI Individual Cooperative Interest Appraisal Report Ffe No, 2 Oerbok Rand,KS7 lathers any information known to the appraiser aboutme prgecl that could make its marketability diffesemlhan other properties in its mal area? UYes X No IIYes.desaibe Does the proect generally conlam to the neighborhood lstyle.condiion.quality of construction,reml appeal to market etc.)? WYes LjNo II No describe Wlilies indutletl in unit chance L ll WHeat LIAICOOdIftlonme I D Gas lXlWl IXISn.er Cable Other describe Is it l to have these Whines includedm the unit chase la proects in the market area? jXlYos I IN. II No.describe General DescdPLlOm Interior materhasmormil.n I Amenitles Applil C.;Storage Floral Ground Floor Flaws Hardwood C Avera a Fire ac 5 N Relti erata Name *of levels 1 Walls D alVAVer a Wocdt s N X Ran sloven Gma a Nof Cars HeaC T HW Fuel Oil Beth W.iO,HWle/Aver Ver a Oeck/Patio Di Microwave Den Nof Cars Ceara(AC IMivitlualAC Beth Wainscot Tile/Avera a PadVBalwn Dishxasher PsA netl Owned gher describe None I Doan Waad/Avera a UOther 11 liiwasher/D Parl Sol N s • Finished area above adecontains: 4 Rooms 1 Bedrooms 1 Baths 954Square Feet of Gross Livirat Area Above Grade Additional leactres(special energy efddem items.etc). See Additional Describe theconed ion of the popemy pncluding needed repairs.deterioration,reonvations.remodeling,eti The suti ect is a 954+1-S F.Junior 4 style unit located on the roust Boor of a full service doorman Midl coo native Wilding in tto City of Winne Plains Westchester County,NY U f insohmaxon the subject was found to be in average overall contlffion who semi-modem kitchen and bathroom finishes.The subject also chess average residential views from its Orchard JIM exposures Are there any physlwldefde rides or adverse conditions that affect the livability,soundness,or struatral integrity of the property? U Yes % No It Yes.desmbs Upon Inspection,there were no a rent physical deficisroies or adverse Conditions prof would affect Nal soundness or structural interynty,of the pmwmy. The appraiser is not an expert in Iris fold and has Only recorded what seems to ba ajocal. The fiolovi coo move parpect information,iwludi dnawin and acw rc dam.isr iea thOe whard xdMn 30 der s of the Effective Date of A alsallln lion. The appraiser's data wumels)for the woperadve prgMinlormatlOn is Managemem Agent. Cooperative Boa rd, SponsalDeveloper, 00flnernlescrae) Ideni me dale sou lsl by name,Ode.company address.and telephone number and report the effective date of data stop ls). Garthchester Realty Ltd,914-725-3600 Number ofshares issued and outstanding for the Cooperative Cormaramot 104,997 Number of shares attributable to the sub act unit 454 -- - Pro rata share of the ponfect Wal lel Marmara soribulade to the subject unit 23613.00 Pro Total share of eachlien atMWmble to the subject unit 21613.00 - x1patts,Maintenance Fee nor Morni Assessment Unit Charial 899.42 N 12MOnlhS= f 10,793 Der Year Amount maintenance fee or assessment climbed OMdetl by the square had of moss,Who area fa thew ect Olt=f 11.31 IsmeS sml0evel In Comrdi of me Coo rative Ca ration? I Ves No a the Spm-sa1rDmielopef offering any types ditties a financing concessions such as a maintenance fee rebate a credit etc.)with the transfer di wits in the project? ❑Yes E)NO Il Yeadesaibe Is me project sogect to a ground rent? Yes No If Yes.S NlA per year(all Of and cans l Areanydtheprgedfwilitieslua dtowbyme Co puMive Corporation? Yes 0110 If Yes tlescdbe which fadilies and note any lees for their use. s lM aptect pmpwly the neopem of any lax abatements for exemptions? UYes Ol If Yes,note The removing term,poiNiom Its escalation areal estate taxes and the tldilar am kii Pre any of the units in the attract wgect to a stock bander fee(such as waiver of options fees,Np lazes.ec)? Yes No II Yes,desaibe None Noted by Man emery How many owners of units in the oiW are Two a more months defincuent In the conyment of their financial Winnoens to the Con adve CO action? Norte Noted by Management Does any single amity(me same individual.investor rwp,partnership.a Corporation,as well as the developer or sponsay own more Than 1096 d the stock a shares in the Cooperative Corporation and the related owupar rigM1ts? Yes ©No If Yes.tlesaibe No as per me marshapament offoonation obtained ro sin le entity owns more Oman 10% of me stock a shares in the Coo erativa Corporation I d1 tlid root analyse thecwperadveprgectbutlgetwmewn enlyear.Expanthemshnsdthearelysisolme budget andequacydle fs,reserves.etc).Or"the analysiswas • not performed. The coo P.Na Prons,bud et for The current yesm has not been anallyzilool due to it not being made readily available. PROJECT BLANKET FINANCING Lien Pro' First Second Omer Lan Type Mortal tine of Credit.eta.I Marta e Man a eBalance $ 5461000 $ S Balloon MoT a e Yes No Yes No jYesoNo Remaining Term 0612023 Monthly Payment f 26,131.19 f S merest Ram 3.96 % FixedtlambeRate X Fixed Rate Variable Rate Fixed Rate Variable Rate U Fixed Rate Variable Rate Lim holder NCB PROJECTOCCUPANCY Unit Ownership and Occupancy Not UnilS %of the Pr act Omer Occu enf 186 94942 SponsorrDenveloper Vacant 0 0'00 SpopsarlDneveloper Tenant Occupied Market Reni 9 457 SponsodDerasoper Tenant Occupied R ulaletl Real 0 000 InvestorVacam 0 0.00 Investor Formal Occupied Market Rem 2 1 02 Investor Teram Owu ied(Regulated Rem 0 OAO IS Total 197 10000 fa��m.a vr+..v.emzann...:.am= F:vMewe Pmm xx�rrnhs d6 Estate of Anita L Druscnel Individual Cooperative Interest AppraisalReport File No2 Overdoes Road.#2S7 Thaeare NIA comparable properties currently offered for sale in the sued neighborhood ran n in price from N/A to NIA Thaeae N/A ofamparalbe sales in the sub'ad neighborhood within the bi twelve molMS ranging in sale Nice man NIA to NIA The[emamllle sales In the sales comansen and bell aM do net include Roe ware share 0fthe No M mortae5 on the real estate. FEATURE SUBJECT COMPARABLE SALE NO f COMPARABLE SALE NO 2 COMPARABLE SALE N0.3 Address antl 2 Overlook Road 2 Ove ucols Road 101 Old Mamaroneck Road 20 Old Mamaroneck Road Unit*2S7 3D3 3C5 3K Pro'ect Name 101 ow Al—ronaa oseem CoT 10i Old Mamaroneck Owners Corp. 101 Old Mamaroneck Owners Corp Crystal Towers Ltd, Phourrity to SU'ect 1 0.00 miles 0.08 miles 0.29 miles NW Sale Price S Market Value is 200000 is 140,000 S 150,000 Sap Pri ari"Dis Lou Amon S 0.00 5.fl. S 209.64 sai R. S 146.75 5.ft Price per Share S N/A S 396.04 1 $ 277.23 1 $ N/A Data Sources Inspection HGMLSICbsed/Mn Agent HGMLSICIOSadM Agent HGMLS/Closed/Broker Verification Sarrce s Mandradeardent MLS#3318471-DOM 75 MLS#3307934-DOM:43 MLS#3302436-DOM:70 VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION 'W$u4norsho DESCRIPTION s ArInvocce, DESCRIPTION 41s 'm Salem Finanang Concessions Nate Known None Known None Known Dateof Sale/fiate D.0.D 09/052013 10/3112013 0 DEV 12013 0 06105/2013 0 LocaROn Gaud Good Good Good Pr j iadl l Units 197 Units 197 Units 197 Units 93 Units 0 Vlew RosidentiaRAvaas -10000 Residential/Average ResidentiaRAvere e Floor LOCaROn Clwnd Floor 3rd Floor uw -3000 3rd Floor -3000 3rd Floor -3,000 Month) Maintenance Fee 1899.42 $97100 0 1950,00 0 51,142.00 0 Project Arrompties Typical Typical Typical Typical Rec.Facilites,etc. Elevator ROOAO Deck Elevator Rceflo Deck Elevator Rti Deck Elevator 5000 Project Security Intercom Intercom Intercom Intercan Features Doorman Doorman Doorman Doorman Desi n 5 e PostLeprMlN-rise Post-war/Mid-file Post-warlMidrise Post-wariNid-rise Dea6 of CleforWlon Good Good Good Goad AneMAe 61+1-Years 61+/-Years 61 /-Years 501 Years 0 Cordlfiao Avers Su -25000 Avers Aworampor Remodeling SWa stem Kitchen 8 Sut arpr Kitchen 8 Similar KRdren 8 Similar Kitchen 8 hichen.Baths,ec. Bath Bath -20000 Bath Bath Above Grade tax maa: aam min adnn Balm sax ea�m aeon Tgx di aeao. a Room Count 4 1 1 4 1 1 4 1 1 4 1 1 Gross UA Area 50 954 .A. 954 .A. 0 954 5 ft 0 1 100 s A. -]500 • Basement b Finished None None None None Rooms Below Grade NIA - N/A -" -- — — N/A - — — NIA Functional URli Junior 41Goad Junior 4/Good Junior4lGood 1BWSl Inferior 7500 Hearin a9in Oil HW/None Oil HWINOne Oil HW/Nona Oil HVi -2500 E Efficient llama Norte Known Name Known None Brow r None Known Gana e'Ca None None None Gave e:1 -7500 PacMPdtlNDeck None None Name None Fi lace Count None None Nona None MLS Contract Date NIA-Mallet Value 0821/2013 0 051022013 0 0410512013 0 NHA uamad Ant S 58000 S 3000 S 8000 Adjusled Sale Price Net Al -29.0% Nes A4. -21% Net Adj. -5.3% a1Can araaes Cross 29.0% S 142000 Gross . 2.1% S 137000 Gro 22.0% S 142000 f did did not research the sale a transfer history of the spoed property ant comparable sales.ll not.explain ress did aid trot cereals is sales ortansfers of the sub ttt o Ia Ne three ears ion ro the effected date of tasa raisal. Datasam¢es HGMLSIMana errant research dint did mareveal an nor sales atransfas a the an arable sales fa the ar 'a to the date of sale of the com aradd sale. DaMscon s HGMLSMtana amen Re tlmeresuASdthereseachaM anal 's ofthe is sale a transfer hid of thew ea ro and com arablesees m rt adatisher rior sales on addendum. ITEM SUBJECT COMPARABLE SALE N0.1 COMPARABLE SALE N0.2 COMPARABLE SALE NO,3 Date of Pna SaleRransler Price al Pda SaleRransla Data Saurvzs HGMLSMI emeM HGMLS HGMLS HGMLS Effective Deed Data Sources 091052013 09/0512073 091052013 091052013 Analysis of prior sale a transfer history ofthe subject property and comparede sales No rlor sale a transfer of the sub'ea ro within the st Wmonths nor an of the com rables within the ast 12 months axon f d noted via available data sources. Summary of Sales Comparison Appmach(and reconciliation if War approaches are developed) See Atldentlum. TNS app raisal is made 'asis.' subject to completion pa plans antl spedfcationson the basis of a hypotheses!condition that the improvements have been completed, ❑sutjecltoNefdloximgrepairs oralleratiansonthe basis of a hypandtical conition the the repairs a altemdola have been compared.a ❑subjectledrelollovAngrequired NSpections based on the extraordinary Assumptl0a thatthe condition a defdemay don rM require immeaate alteration or repelr. Trus re ort is made"as is"and is intended for use b the lenderlclient and or their assi ns fora dvate market valuation ses onl . This r rt a Lot'an enced fa an other use. Based on a complete visual In,cruon of the interior antl exterior areas of the subject property,defined scope of work.statement of assumptions and Lo fling onditions.and appreisai s c¢rllllcallon,my(our)opinion of the market value,as defined,of the Cooperative interest(the cooperative shares or other evidence or an wnership Interest in the.cooperative corporation and the accompanying occupancy rights)that Is the subject of this report is 1 140,000 sot 0910$12013 .which is the date of ins ection and the effective dale of mise sal noam,ryxo w.e•.emzunn...x•m� rameuxrernpra uemaaos Pa¢]aa am asomza NY-CT-NJ Mueller,Lang 8 Associates,LLC. Estate olAnita L.Omschei Individual Cooperative Interest Appraisal Report File NO. 2ovedook Rom,#2S7 The cons arable sales in the sales c0m arisen and below do rid include the orals share of the Nsnk0 monotheist)on the real seals. FEATURE SUBJECT COMPARABLE SALE NO.4 COMPARABLE SALE NO.5 COMPARABLE SALE N0.6 Address and 2 Overlook Road 101 Old Mamaroneck Road 101 Old Mamaroneck Road 2 Overlook Road UMf 2S7 S8 1CA 1A5 Project Name 101 ad Mini—...I owe.,C.r 101 Old Mamaroneck Owners Corp 101 Old Mamaroneck Owners Corp 101 Old Mamaroneck Owners Corp Partially to 54ed 1 0.08 miles W 008 miles W 0.00 miles N Sale Price f Markel Value Is 188 000 S 173,500 S 170000 Saleprire6to14iliv.Area S 0.00 s.ft. $ 191 ft. f 1(11.87 .R S 178,20 so,f. Price por Share $ N/A S 3760011 S 34700 S 340.00 Data Sources Inspection HGMLS/CId.dc n Agent HGMLS/Broker-Pendin Sale HGMLS/Bmker-Pendin Sale vadfivion Sh s Marsigament MLS#3321994-00M:26 1 MLS#3316064-DOM:121 MLS#3333097-DOM:•351104 VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION I ..endaess DESCRIPTION .I.sidisani DESCRIPTION 4i$ Sete or Fwandng Concessions None Known TBD TBD Dawof Sale/Time D.O D 09/05/2013 10/1712013 0 Pending 0911&2013 0 Pendin 191012013 0 Location Good Good Good Good Prifect Slae/4 Units 197 Units 197 Units 197 Units 197 Units View ResldamlaVAvera a Reasiderchid/Average RasMentelhAVera a ResidentiallAVera e Floe Location Ground Floor Ground Floor let Floor -1000 1st Floor -1000 Mendt,Maimmace Pee 3899.42 1873.00 0 5967.00 0 1961.00 0 ProjeclAmerms Typical Typical Typical Typical Rec FaCili0M.M0. EJavatorRoolli Deck Eievator,ROOao Deck Elevator Rooftop Deck ElevalorRooftir,Deck project Secum7 Intercom Intercom Intercom Intercom Features I Doorman PIT Doorman I Doormat I Doorman Ded S le Postwar/Mid-nse Post-war/Mid-rise Posl warlMid-nse Post-war/Mld-risa Quafty of COnenation Good Good Goad Good Actual Age 61+/_Years 61.1-Years 61+/-Years 61+/-Years Condition A,Keagis Superior -25000 SI Superior -12500 SI Superior -12500 RCmOdeling 5-Modem Kitchen 8 Superior Kitchen 6 51 SuPenor kitchen IS SI Supenor Kitchen a (Kitchen,Baths.ac. Bath Bath -20000 Bath 40000 Bath -10,000 Above Grade Tm eam,s sans rani ease Tm mrm. aan. rdei ae.ms asiM Room Court 4 1 1 4 1 1 4 1 1 4 7 1 _- — — Goss AR050- 954 sq.R. 954 sq h. 0 954 sq s. - - 0 —954 ft. __ -0 Bassnrtnl b Finished None None None None Room Bel.Grade NIA N/A N/A NIA Functonal UUli Junior 4 1Good Junior 4 1Good Juntor4/Gaud Junior 4/Good HeamspCooling Oct HW/None 06 HWINOne Od HW/Nona Oil HW/None EntardEffidensitems None Known None Known None Known None Known Garawcartion None Nora None None • PordWedoi None None None Nona FimplaceCount None None None None MILS Contract Data N/A-Markel Value 080512013 0 Peter,09110/2013 0 Pending 19102013 0 Nn Adustmem otal f 45000 f 23,500 1 1. JXI S 23,500 Adjusted Sale Pace Net Adj. -23.9% Net A4. -13.5% Wadi. 418% of COm wabes Goss AdS 23.9% S 143000 Goss Ad.. 13.5% S 150000 Gross e . 13.8% S 146500 ITEM SUCT COMPARABLE SALE N0.4 COMPARABLE SALE NO.5 COMPARABLE SALE Nob Date of Prior SaleRran BJE sler Price of Pdor Ssle/Trander om Sources HGMLSMfan amend HGMLS HGMLS I HGMLS Effect.Dated Data Swme s 1 09/0512013 0905/2013 09/0512013 1 09052013 SummarydSNes Comparison Approach It should be noted that Comarable#6 sold on IV1912013 for$173,600.However,due to this sale occuminai the effective date of this appraisal re pork Comparable#5 has been processed as a Pending Sale for the purpose of this analysis.Comparable ps althea h this unit went to contract after the effective date of this appraisal assignment has been processaid in this appraisal report due to it being one of the moot recent Pending;Sales of a Junior 4style unit within the subject building.As per the filling ageri this unit is reportedly under contract for$170,0010 and therefore an estimated sales price of$170000 hm been reflected in this appraisal report.These cons arables have been rovlded harsh,W serve as additional support for the subeePSopinion of market value dedved In this report.See Addendum ao]rN U+9.w ame.®'erBlnrmmzrraemm Fame W[F..M Myd HM am n4�9a Mueller,Lang&Associates,LLC. Estate of Anita L Dmschel Individual Cooperative Interest Appraisal Report File NO. 20vedook Road,1t2S1 This report form is designed to report an appraisal of the cooperative interest(the cooperative shares or other evidence of an ownership interest in the cooperative corporation and the accompanying occupancy rights)in a cooperative project or the cooperative interest in a planned unit development(PUD).This form is not designed to report an appraisal of a manufactured home or a unit in a condominium project. This appraisal report is subject to the following scope of work,intended use,intended user,definition of market value,statement of assumptions and limiting conditions,and certifications. Modifications,additions,or deletions to the intended use,intended user, definition of market value,or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certifications are also not permitted. However,additional certifications that do not constitute material alterations to this appraisal report,such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization,are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form,including the following definition of market value,statement of assumptions and limiting conditions,and certifications. The appraiser must,at a minimum: (1)perform a complete visual inspection of the interior and exterior areas of the subject unit,(2)inspect and analyze the condominium project,(3)inspect the neighborhood, (4)inspect each of the comparable sales from at least the street,(5)research,verify,and analyze data from reliable public and/or private sources,and(B)report his or her analysis,opinions,and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lenderlclient to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale,the buyer and seller,each acting prudently,knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby:(1)buyer and seller are typically motivated;(2)both parties are well informed or well advised,and each acing in what he or she considers his or her own best interest;(3)a reasonable time is allowed for exposure in the open market;(4)payment is made in terms of cash in U.S.dollars or in terms of financial arrangements . . _comparable thereto;and(5)the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions'granted by anyone associated with the sale. *Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area;these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it,except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency(or other data sources)and has noted in this appraisal report whether any portion of the project site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor,he or she makes no guarantees,express or implied,regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand,or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions(such as needed repairs,deterioration,the presence of hazardous wastes,toxic substances,etc.)observed during the inspection of the subject property or that he or she became aware of during the research involved in performing this appraisal. Unless otherwise staled in this appraisal report,the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property(such as,but not limited to, needed repairs,deterioration,the presence of hazardous wastes,toxic substances,adverse environmental conditions,etc.)that would make the property less valuable,and has assumed that there are no such conditions and makes no guarantees or warranties,express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards,this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion,repairs,or alterations on the assumption that the completion,repairs,or alterations of the subject property will be performed in a professional manner. neeu��a u. rc nxt...��rvne.m.. fame Na ism?W Na6?M5 m �a oats ed. � O 0 Mueller,Lang 8 Associates,LLC. Estate of Anita L Dry chef Individual Cooperative Interest Appraisal Report He No.2ovahookRoad.M267 APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. 1 have,at a minimum,developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. 1 performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual,specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness,or structural integrity.of the property. 3. 1 performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adapted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. 1 developed my opinion of the market value of the cooperative interest(the cooperative shares or other evidence of an ownership interest in the cooperative corporation and the accompanying occupancy rights)that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data(including physical and cooperative interest characteristics)to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them,unless otherwise indicated in this report. 5. 1 have no knowledge or reason to believe that any material changes have occurred in the cooperative project information reported,including financing and occupancy data,that would affect market value or marketability of the subject property. 6. 1 researched,verified,analyzed,and reported on any current agreement for sale for the subject property,any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal,and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal,unless otherwise indicated in this report. 7. 1 researched,verified,analyzed,and reported on the prior sales of the comparable safes for a minimum of one year prior to the date of sale of the comparable sale,unless otherwise indicated in this report. 8. 1 selected and used comparable sales that are locationally,physically,and functionally the most similar to the subject property. 9. 1 have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. 1 verified,from a disinterested source,all information in this report that was provided by parties who have a financial interest in _ the sale or financing of the subject property. - --- -- - - - - — - - - - - - 11. 1 have knowledge and experience in appraising this type of property in this market area. 12. 1 am aware of,and have access to,the necessary and appropriate public and private data sources for the area in which the property is located. 13. 1 obtained the information,estimates,and opinions furnished by other parties and expressed in this appraisal report from reliable sources that 1 believe to be true and correct. 14. 1 have taken into consideration the factors that have an impact on value with respect to the subject neighborhood,subject property,and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions(such as,but not limited to,needed repairs,deterioration,the presence of hazardous wastes,toxic substances,adverse environmental conditions,etc.)observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value,and have reported on the effect of the conditions on the value and marketability of the subject property. 15. 1 have not knowingly withheld any significant information from this appraisal report and,to the best of my knowledge,all statements and information in this appraisal report are true and correct. 16. 1 stated in this appraisal report my own personal,unbiased,and professional analysis,opinions,and conclusions,which are subject only to the assumptions and limiting conditions in this appraisal report. 17. 1 have no present or prospective interest in the property that is the subject of this report,and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base,either partially or completely,my analysis and/or opinion of market value in this appraisal report on the race,color,religion,sex,age,marital status,handicap, familial status,or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. - - - 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding,written or otherwise,that I would report(or present analysis supporting)a predetermined specific value,a predetermined minimum value,a range or direction in value,a value that favors the cause of any party,or the attainment of a specific result or occurrence of a specific subsequent event(such as approval of a pending mortgage loan application). 19. 1 personally prepared all conclusions and opinions about the cooperative interest(the cooperative shares or other evidence of an ownership interest in the cooperative corporation and the accompanying occupancy rights)that were set forth in this appraisal report. If I relied on significant appraisal assistance from any individual or individuals in the performance of this appraisal or the preparation of this appraisal report,I have named such individual(s)and disclosed the specific tasks performed in this appraisal report. 1 certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in this appraisal report;therefore,any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. 1 identified the lender/client in this appraisal report who is the individual,organization,or agent for the organization that ordered and will receive this appraisal report. 21. The lender/client may disclose or distribute this appraisal report to:the borrower;another lender at the request of the borrower, the mortgagee or its successors and assigns;mortgage insurers;government sponsored enterprises;other secondary market participants;data collection or reporting services;professional appraisal organizations;any department,agency,or instrumentality of the United States;and any state,the District of Columbia,or other jurisdictions;without having to obtain the appraiser's or supervisory appraiser's(if applicable)consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party(including,but not limited to,the public through advertising,public relations,news,sales,or other media). A,a..e.i nc a cn......,..n.em ra'uewata�r�laa�z� "� Mueller,Lang 8 Associates,LLC. Estate of Anita L Druschet Individual Cooperative Interest Appraisal Report H,No 2 Overlook Road,#2S7 . 22. 1 am aware that any disclosure ordistributlon of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further,I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower,another lender at the request of the borrower,the mortgagee or its successors and assigns,mortgage insurers, government sponsored enterprises,and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an"electronic record"Containing my"electronic signature,"as those terms are defined in appticabte federal and/or state laws(excluding audio and video recordings),or a facsimile transmission of this appraisal report Containing a copy OF of my signature,the appraisal report shall be as effective,enforceable and valid as if a paper version of this appraisal report were delivered Containing my original hand written signature. 25. Any intentional of negligent misrepresentation(s)contained in this appraisal report may result in civil liability and/or criminal penalties including,but not limited to;fine o0rinpris6nment or both under the provisions of Title 18,United States Code,Section 1001,at seq.,or similar state laws. . SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. 1 directly supervised the appraiser for this appraisal assignment,have read the appraisal report,and agree with the appraiser's analysis,opinions,statements,conclusions,and the appraisers certification. 2. 1 accept full responsibility for the contents of this appraisal report including,but not limited to,the appraiser's analysis, opinions,statements,conclusions,and the appraisers certification. 3. The appraiser identified in Nis appraisal report is either a sub-contractor or an employee of the supervisory appraiser(or the appraisal firm),is qualified to perform this appraisal,and is acceptable to perform this appraisal under the applicable state law. -- —4: This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and - - promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an"electronic record"Containing my"electronic signature,'as those terms are defined in applicable federal and/or state laws(excluding audio and video recordings),or a facsimile transmission of this appraisal report Containing a Copy or representation of my signature,the appraisal report shall be as effective,enforceable and valid as if a paper version of this appraisal report were delivered Containing my original hand written signature. APPRAISER'/ s SUPERVISORY APPRAISER(ONLY IF REQUIRED) Signature �! Signature Name Kevin Lsrx1 Name Company Name Mueller Lang&Associates LLG Company Name Company Address 455 Central Park Avenue Company Address Suite 209 Scarsdale NY 10593 - Telephone Number 914-574-5930 Telephone Number -— - Email Address kevin@muellarlera.wm- Email Address - - - - - - - -- Dale of Signature and Report 05104 12014 Date of Signature Effective Dale of Appraisal 0945/2013 State Certification# Slate Certification#45000045937 or Stale License# or State License# Stale or Other(describe) State# Expiration Date of Certification or License Stale NY Expiration Date of Certification or License OSIM2014 ADDRESS OF PROPERTY APPRAISED SUBJECT PROPERTY 2 Overlook Read Unit#2S7 ❑Did not inspect subject property White Plains NY 10505-2407 — ❑Did inspect exterior of subject property from street Date of Inspection APPRAISED VALUE OF SUBJECT PROPERTY$140 000 ❑Did inspect interior and exterior of subject property Date of Inspection LENDER/CLIENT Name COMPARABLE SALES Company Name Mr+amasA Smiley-Execmor of D.n,rnai Eerie ❑Did not inspect exterior of comparable sales from street Company Address one West Hen Street ❑Did inspect exterior of comparable sales from street Carlisle PA 17013 Date of Inspection Email Address o .,�.... . em......a,.n..m ram um roan mm wim A ev •P,6a5 - NY-CT-NJ ADDENDUM Bomowa: NIA File NO.: 20verlook Road#2S7 Prooerb Address: 2 Overlook Road Case No Estate of Ari to L Dmslrel CiN: Mite Plains, Slate. NY Z'o' 1060S240T Lender Mr.James A.Smiley-Executorof the Druschel Estate Intended User/Intended Use: The Intended Users)of this appraisal report are the Estate of Anita L.Druschel, Mr.James A.Smiley-Executor of the Druschel Estate and the Manson Law Offices.It should be noted that although physically inspected on 05/2812014,the effective date of this appraisal report is 09/05/2013 which is the Date of Death of Anita L. Druschel. The Intended Use of this appraisal report is for private market valuation purposes only.This appraisal report is not intended for any other use. Signed Certification Statement 1 have not performed professional appraisal services,as an appraiser or in any other Capacity,regarding the property that is the subject of this report within the three-year period immediately preceding acceptance of this assignment. Intended User I Intended Use The Intended User of this appraisal report is the Lender/Client.Unless specifically stated within the report, there are no additional Intended Users,The Intended Use is to evaluate the property that is the subject of this appraisal for private market valuation, subject to the slated Scope of Work,purpose of the appraisal,reporting requirements of this appraisal report form, and Definition of Value as defined in the report. Present Land Use: -It should be noted that the "Other"land use in the Present Land Use section of the appraisal report reflects area that may be vacant,town/county owned land, parks,cemeteries,Country clubs,etc... Neighborhood Market Conditions Strong consumer Confidence, pent up demand,favorable economic conditions and interest rates which have remained at historically low levels are several of the factors which continue to fuel the strong real estate market within White Plains.With properties being priced appropr lately to reflect Curren t market Conditions,day s on market are decreasing and most homes —are going to Contract within 3-6 months of being listed. Throughout each sub-market in White Plains there has also been an increase in multiple offers on properties resulting in homes selling at,close to,or above the list price.This type of activity is typical within the White Plains real estate market and appears to be a direct result of properties being priced very favorably.The direction of the subjects market will be better understood within the next 3+months as the homes on the market which are active,conditional or pending sell. Data as presented through a MultFTiered Market Data Approach which em ploys the use of older sales in the immediate subject neighborhood,pending and competitive active listings. Data Sources: The data sources utilized in this appraisal report for market data may include HGMLS,Appraiser Files,Management Agents, Tax Assessor Property Cards/Records for the subject and comparable properties, Realist.com,Real Estate Agents/Local Market Participants,Bing.com and Google Maps(Aerial Views),and your appraisers knowledge of the local market, Competing markets and the properties which are being offered for sale or have already transferred.It should be noted that the information stated on the comparable HGMLS listing sheets(GLA,Total Room Count,Bedroom Count,Bathroom Count,Acreage,etc—)may differ from the information reflected in the appraisal report.These differences would reflect discrepancies found between what is listed on the HGMLS listing sheet and what the appraiser has concluded from the data sources listed above. Pro Rata The Pro Rata share of the blanket mortgage was not included in the opinion of market value. Comments on Sales Comparison The subject is a 954+1-S.F.Junior 4 style unit located on the ground floor of a full service,doorman Mid-rise cooperative- ' building in the City of White Plains,Westchester County,NY.Upon inspection the subject was found to be in average overal l condition with semi-modem kitchen and bathroom finishes.The subject also offers average residential views from its ground floor exposures. GLA adjustments are factored at$50/S.F.Remaining amenities are adjusted according to market. All adjustments rounded to the nearest$500. No GLA adjustm ants applied where the GLA discrepancy is less than 100/S.F. Days on Markel for closed sales have been calculated from the contract and or pending date obtained from the local MLS when available. Condition,views and kitchen/bathroom adjustment's have been based off information able ined from the comparables MILS listing sheet photos and Comments as well as local market participants.The comparables processed in this appraisal report have been deemed the most recent,relevant and proximate.They have been provided herein and adjusted accordingly. ndae�xwni Pass 1 d2 ADDENDUM Borrows" WA Fila NO 2Overlaok Road,#2S7 PropertyAcidness' 20vedook Road Case No Estate of Anita L.Omschel C'N' Mite Plains Stale' NV Zip'. 106062407 Lander Mr.James A.Smiley-Exemtor of the Dmschel Estate Far the purpose of this analysis your appraiser has processed only Junior 4 style units,with the exception of Comparable 93. The comparables processed in this appraisal report have been deemed the most recent,relevant and proximate.These comparables have been provided herein and adjusted accordingly. It should be noted that although Corn parable#1 and#4 have a sale date which is after the effective date of this appraisal report,these sales have been processed specifically for their similar functional utility versus the subject and these sales went to contract prior to the effective date of this appraisal report. It should be noted that Comparable#5 sold on 12/19/2013 for$173,500.However,due to this sale occurring after the effective date of this appraisal report,Comparable#5 has been processed as a Pending Sale for the purpose of this analysis.Comparable#6, although this unit went to contract after the effective date of this appraisal ass ignment,has been processed in this appraisal report due to it being one of the most recent Pending Sales of a Junior 4 style unit within the subject building.As per the listing agent,this unit is reportedly under contra ct for$170,000 and therefore an estimated sales price of$170,000 has been reflected in this appraisal report.These comparables have been provided herein to serve as additional support for the subject's opinion of market value derived in this report. Your appraiser conducted an extensive search of the subjects market and surrounding competing markets. I considered all relevant sales and listing data,interviewed market participants and surveyed our files. As adjusted,the comparables provided represent a reasonable range for determining the final opinion of value. All adjustments have been applied accordingly. The quality and quantity of the data is considered good and reliable. Comparables that have closed within the last three months have been processed in this report except when comparables which have closed beyond the guideline or are active/pending were deemed most indicative of the subjects'market value. Whenever possible,sales within one mile of the subject property have been utilized. However,many instances arise where the one mile guideline is considered inapplicable and search parameters are extended. It should be noted that although ther a may be seasonal differences in the comparable photos provided in this appraisal report,these photos have been taken by your appraiser and have not been downloaded from another source.W here MLS/ Internet photographs provide a clearer picture of the comparable sale than photographs obtained on drive by inspection, they have been utilized. When deemed necessary,comparable(s)requiring adjustments that exceed the suggested guidelines(10%indivlduat;16%-- -net 8 25%gross)have been utilized due to them being the most indicative of the subject market value.The comparables processed in this report were deemed the best available as of the effective date of this report and as adjusted represent a reasons like range of value in developing an opinion of market value for the subject property.The comparable data and sources of information used in this report are considered to be reliable and correct. After an exhaustive search your appraiser has identified the most recent,relevant and proximate comparables.They have been provided herein and adjusted accordingly.It should be noted that several of the comparables processed in this appraisal report in ay exceed the 10%GLA guideline.The comparables processed in this report which exceed the 10% guideline were deemed the best available as of the effective date of this report and as adjusted represent a reasonable range of value in developing an opinion of in arket value for the subject property.The comparable data and sources of information used in this report are considered to be reliable and correct. Final Reconciliation The Sales Comparison Approach is considered most indicative of the actions of buyers and sellers in the subject marketplace.The cost approach and income approach were not considered applicable in the appraisal of the subject property. Ending Addendum The signature(s)contained in this appraisal reporters computer generated(Electronic Signatu real and represent personalized evidence of the work performed by the appraiser as well as the responsibility taken by the appraiser for content,analyses,estimates and opinions in this report.These Electronic Signatures have been used in accordance with the Uniform Standards of Professional Appraisal Practice(US PAP).Only the appraiserfs)has the ability to add/remove these electronic signatures which are secured by a personal ident#ication code. ,v>man.e P.se z az Mueller,Lang 8 Associates,LLC. Estate of Anita L.Dmwhel USPAPADDENDUM File No. 2 overlook Road,N2S7 Borrower: NIA Property Address:2 overlook Roan City: Write Plains County: Westchester State: NY Zip Code: 10605-2407 Lender Mr.James A Smile -Executor of the Dmschel Estate APPRAISAL AND REPORT IDENTIFICATION This report was prepared under the following USPAP reporting option: ® Appraisal Report A written report prepared under Standards Rule 2-2(a). Q Restricted Appraisal Report A written report prepared under Standards Rule 2-2(b). Reasonable Exposure Time My opinion of a reasonable exposure time for the subject property at the market value stated in this report is:NIA Additional Certifications QX I have performed NO services,as an appraiser or in any other capacity,regarding the property that is the subject of this report within the three-year period immediately preceding acceptance of this assignment. 1 HAVE performed services,as an appraiser or in another capacity,regarding the property that is the subject of this report within the three-year period immediately preceding acceptance of this assignment.Those services are described in the commends below. Additional Comments APPRAISER:Y we SUPERVISORY APPRAISER(only lfrequired): Signature: � t Z�--"+ " Signature: Name: Kevin tang Name: Date Signed: 0610412014 Date Signed: State Certification d: 45000046937 Stale Certification X: or State License N: a Stale License N: or Other(describe): Slate il: State: State: NY Expiration Dale of Certification or License: Expiration Date of Certification or License: 081OW014 S ervismy Appraiser inspection of Subject Prop": Effective Date of Appraisal:September 5 2013 LJ Did Not ❑ Exterior-only from street U Interior and Exterior Pod[N Wgb WM>SlT3N8Rlrnw esa-0.mn IIW.V-110O1A11 SUBJECT PROPERTY PHOTO ADDENDUM Borrower: N/A File No.: 2 Owdook Read #2S7 Prooerty Address:2 0�erlock React CaSe No.:Estate of Anita L: •. R• • PROPERTY SUBJECT Appfaised 1. pp '1 40001 REARVIEWOF SUBJECT PROPERTY STREETSCENE- d iii. _ az L. • :'� _ o Pf2M State:NY ZiP:10605-2407 1 Lender: A*0441 CIMN ��..1 H } 1 •� ,,,'? �n V� x Y COMPARABLE PROPERTY PHOTO ADDENDUM Barrower' N/A File No.: 2 Overdok Road,a2S7 Prooerry Address:2 Ovwbok Road Case No.:Estate of Anita L.omachal City'wola Rl.m. State: NY ZID:10608-2407 Lender:Mr,.m..A.amr. -EvrtNor mph.Dru.ma Eat.r. ICOMPARABLE SALE#1 _ 2 Overbok Road 3D3 Sale Date: 10/3112013 Sale Price:$200,000 x � 7 - _ COMPARABLE SALE#2 � -rr / 101 OM Mamarar Road 3C5 Sale Dale:08101/2013 Sale Price:$140,000 4 COMPARABLE SALE#3 I I 20 Old Mamaromc,Road 3K Sale Dale:Ol D Sale Price:$150,000 i COMPARABLE PROPERTY PHOTO ADDENDUM Borrower.N/A File No.: 2 overlook Road p S7 Property Address:z Overlook Road Case No.:Eaa.mAn�ta c on,acnel City:Waite Plana State' NY Zi0' 10605-2407 Lender.M,.�.m..w smu.v-ex..mo,oun.o,awnn Eaa. r. d .. COMPARABLE SALE#4 101 Old Manaroneck Road Sa Sale Date: 1011712013 I Sale Price:$1se," Apr„ COMPARABLE SALE#5 101 Old Mamaroneck Road iC4 Sale Dale: Pending 09118=1 01 3 Sale Price:$173,500 �,,yl� I ti uL`s."'�s& - ^� COMPARABLE SALE#6 I I l 2 Overbok Road 1A5 Sale Date: Pending 12/102013 --- _- - Sale Price:S 170,000 I FLOORPLAN SKETCH Borrower: N/A File No.: 2 Overlook Road,92S7 Property Address:2 Overlook Road Case No.:Estate of Anna 1.omaalel City:yynite Plains State:NY Zip:10605-2407 Lender:err.Jame A.Shen. .E.emor of o—cheI Estes I 1 22.01 Dent Gued Q Room � Lrvinp ROOM `\ 26.0' Kitchen Bath NAC 0 Bedroom MC r r Foyer — 44.0'— — — — — — — seh...- Comments. AREA CALCULATIONS SUMMARY LIVING AREA BREAKDOWN Code Description Size Net Totals Breakdevm SeMdta4 GLA1 First Floor 954.00 954.00 First Floor 21.0 x 22.0 462.00 _2.0 x _ 26.0 52.00 - '- - la:o- x— 44.0- - 440700 I i TOTAL LIVABLE (rounded) 954 3 Calculations Total(rounded) 954 455 Central Park Avenue,Suite 219,Scarsdale,NY 10583 Phone.914-906-0558 Fax:914-931-6588 Email:kevin@muelledang.com LOCATION MAP Borrower.NIA File No.: 2 Overlook Rtwl,QS] Property Address:2 Overlook Rose Case No.:E.lata of AMIa 1.Orueael Co.vvrite Pwum Stale' NY Zip:10605-2407 Lendef:Mr,LmvA art+aEHeuroedNlOru¢rxl HtMa __ FERRIS 0. �. '``�',\, paRinO 3 a av Plains En: 1 AVf NOE G eJt "'^1 Palk T I i a VVI,Pv¢ Vj Y•¢' '� Aa A1efn SF Cenrt++Y'. ')Harvey 11 ¢' cP �tanac4 �•� �P+a rumura a•S` v . Y Fo �Ev i� r1 •p Katy' Memmgi M O P,e PMV P+,F vs sk I Hamilton Me DOWNTOWN WHrrf: z2 - - - Tt W k`"ReT `4'f'F Main St . . PLAINS wI'Wlra,f.r e"k• `YN'° G,aww Mar?yeDN r 4 4"v �!O I a,,' . :yo $1—estc,estecE i r ylQ A New YoA HmpHal Golf Cawne itirfR ' % I29 . park en pit. t127 cam 'lit, NORTH STREIT r ! 1,N CARHART C COMMUNITY`' �'i4 Comparable Sale 3 c `�, a ' 20 white Mamaroneck 0 �,a SL s White Plains, 10605 - � P0.29 miles NW) o a'f 0 �.} d S0 c �oea aYa \�- - 2 Overlook Rd _ J Comparable Sale 2 OLD MAMARONCCa ROAD White Plains,N1' 10605 t 4� 101 Old Mamaroneck Rd a ^� White Plains,NY 10605 y 6ryaP�ay¢ \` (0.08 miles BRYANT Comparable Sal g \ p Comparable Sale 1 Sale 4 101 Old Mamaroneck Rd - 2 Overlook Rd White Plains,NY 10605 '3 8e While Plains,NY 10605 VI� (0.08 miles W) 0 6 01erl AVe py 4 o'_ Comparable Sale 5 GEDNEY.PARa 'RDSaca - Comparable Sale 6 $ white Old Mamaroneck 5 White Plains,) 10605 r 2 Overlooks, i (0.08 miles W) White Plains,NY 10605 Gad"N Way ti a 0 qd -` ^ 9/A GEONEYFARMS I _ H 'f - ¢\O nY n a'ildale.nYe: GEONEY i p4¢ v r o 6 CIRCLE P, Ha„Ay\¢ rc dGEONEY MANOR F Q s IDLE FOREST R aC� std Miltey M pAiks a 3 C�\�ao4'd ab S Chatham Pl T aPvc' i { COLONIAL , n 125 CORNERS U1t V1•r=r.II piO aB Ridgeway 0.68 mk 'R. vai 'Av+ R I 455 Ceruel Park Avenue.Suae 209,Sk'arsWle,NY 10593 Phone:914906<55e Fax:914-9315588 Email:kavinQmuellMarp,mm Flood Map BOffOWen N/A File Na: 2 Overlook Road #257 Property Address:2 Overlook Road Case No.:estate of Anita L.Drusobel _ Cky Wnt PI ' State NY ZIP:10605-247 Lender Mr wme.n amle execwor orate omanel Ealar• 'Qp, _ �- 1 Put.a aa C qY jjj 1 � v 9 � '� � '$ ¢' CpuntY NwY 71 oDby M•y 6'2�#qj� e�. t � @�``s. h z ,�- ter. _ Q(o� �grb �s a3q`0 B e n d, th� �Oe PIatl PI Ay11 0a�'f°` o vboo Subject qa 2 Overlook Road s n �•gq e' a White Plains, NY 10605-2407 �b F s 9r � d fpyer P'9 � �a•'n° . b cP N� 3 y dy ° fair Cl NOV c w + — 3 � bNo Pve �r ' � � 51 rbroAbl o yAVe E t U. .. yO� Q L �gb r b a a q � RidOeway Country Clue mG y e tl.ve pw F,b rP Yy G1 � and r 'A v_ GedneY Eef+' Ed 0 5 ''• yw Y eB Weston( 1P 1 111111, o a'0 - SoynCndr+ 1BA•6d 7p a • fy 6Y - wilrrPnt Ara dg q �'6 _ P Z l l7 NZ ..GGIY kll9 � A y �1. Flood Information c Flood Map Legend Community:360935-WHITE PLAINS.CITY OF Flow Zones Popery is not in a FENIA special flood hazard area. aesa 4wMafee eyxiar•m 11ooeir9 Map Number,36119CO259F &lap bats:0912 8,12007 Panel:0269F FIM 36119 Nan aum,,,d ine I0F a 500 yp.faodpteere Zane'X Nan 0AUe4ge4 M tOPyear noosing Aron keat4ded by 106yaar 11004109 MN~Y?hearo FbeeAer ern Namrhr rr:rnnalnadrn rlond m law CentlicalnIn(TFHCI nm ACl rnrrxe.aey represemn:lpna o'rc.Immtas to nnY pant cpnLeming the convene aca0xy or F1eedr2r efeaa M"-100Y hnm4 n0mplebness Mthis HOOd repnn.m lading any--wanan:y of mwchaniability cr RJeM L11Ma4¢I¢naina4 ad ppilBN OCOd hLiNd! StmFxs fnf l fmdk'NiM illFp6,,a Nnllr)er l F tic.nor Act Nr Nn!M.M..,Of:nN Road ra,rl shall to-.arty II.blim m aA'(had parry fm an lia5 or m15u,e of Nan is l irupW on any pu eedhed FIRM lhia flood repot. — J. �- 455 Central Park Avenue.Sutle 209,Scarstlale,NY 10583 Phone:974-906-4556 Fax:914-931-5588 Email kevin @muellerlang.com UX� Allstate. You're in good hands. November 6, 2013 Melissa A. Scholly Martson Law Offices 10 East High Street Carlisle, PA 17013 Re: Anita L. Druschel Contract No: GA17063655 Dear Ms. Scholly: We received a request to complete IRS Form 712 for the above referenced contract. The purpose of Form 712 is to provide an estate or donor with the value of a life insurance contract or its proceeds as of a certain date(usually the owner's date of death or date of transfer of the contract). Because this contract is an annuity, it is not reportable on IRS Form 712. 1 can, however, provide the following information for estate purposes: Date of Death: September 5,2013 Annuity Value as of Date of Death: $69,994.91. Cost Basis: $69,806.33 Accrued Interest: $ 188.58 Named Beneficiary: Thomas Paul Druschel, Linda Druschel Brody 'The actual amount paid may differ due to Market Value Adjustments and/or any applicable Surrender Charges. If you have any questions, please contact me at 1-877-499-6418 Ext. 24688. �Sincerely, Valade Melton Sr. Claim Examiner Allstate Life Insurance Company Life and Annuity Claims P.O. Box 94212, Palatine, IL 60094-4212 Phone 877-499-6418 Fax 866-635-4523 Allianz Life Insurance Company of North America A1)ianz el� PO Box 59060 Minneapolis, MN 55459-0060 800.950.1962 May 7, 2014 ESTATE OF ANITA DRUSCHEL C/O 10 EAST HIGH STREET CARLISLE PA 17013 Re: ANITA DRUSCHEL, deceased Annuity Contract Number: 30083004 Dear Executor: This letter is in response to your request for the date of death value as of 09/05/2013 on the above referenced contract number. The above referenced contract has been annuitized. In addition, the present value, future payments discounted at the prime rate, as of the date of death was $68,121.85. For more information or assistance: please contact me at 800.950.1962, Monday through Friday, 8 a.m. to 5 p.m. Central time or the agent of record. Sincerely, Cheryl McCollam (ext 36261) Claims Case Manager c: Arthur Rhoads LCL-1018 SCR. �\ M r8.31.2012