The URL can be used to link to this page

Home My WebLink About10-29-14 (2) ; . � . � 15�56101�1 REV-1500 EX`°'_1°> � PA Department of Revenue pennsylvania OFFICiAL USE ONLY Bureau of Indrviduat Taxes Cou�ode Year File Number 4, 7 o�o.w.��...aE�� i _. _.. - Harrisbur�PA� �z8-o6o� 0 �N R SI DAE TEDE EDEN TN ' I `�' /�� rv uvn covvvi � ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYWY __ _ _ _ __- - _ __ __ 08/05/2013 �! I12/29/1922 � __ _ _ ._ _ _ __ _._ __------- _ __ _._ I Decedent's Last Name Suffix DecedenYs First Name MI _ I Thomas _ _ __ Charlotte --- ____--- - - ,' � I� --__ (If Applicable)Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI '�, i I i _ , Spouse's Social Security Number - - - THIS RETURN MUST BE FILED IN DUPLICATE WITH THE _ _ REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW � 1.Original Return O 2.Supplemental Return O 3. Remainder Retur�ate of death �r to 12-13-82� -� � i"�1 O 4.Limited Estate p 4a. Future Interest Compromise(date of p 5. �le a�„�i Estate Ta�eturn�c�6ed death after 12-12-82) -°� X1 �� <� p O 6.Decedent Died Testate O 7. Decedent Maintained a Living Trust 8. �q�l�iiin�ear of Saf�Depbstt��es .._ . (Attach Copy of Will) (Attach Copy of Trust) ;:�7 •;W;., a"'- N , r.� O 9.Litigation Proceeds Received O 10.Spousal Poverty Credit(date of death O 11. �lectian t�-�2x un�Sec.91'13�Pt) between 12-31-91 and 1-1-95) (At4acFi.Sch.O) •,; CORRESPONDENT- THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION-SHOUID BE ECTED�TOr-rZ , ,_ .�.._ Name Daytime Telephone Number -• �-� -- _-- — — -- -- - "-- � .. `.�� I Step q (717)432 2538 hen K. Portko, Es '_ _ _--------- __ __ ---_-- � - -- ---_ <--:� ��_� . -� REGISTER OF WIL S SE ONLY First line of address 101 South US Route 15 , Second line of address I Suite B � City or Post Office State ZIP Code DATE FILED Dilisbsurg ; PA ! � 17019 CorrespondenYs e-mail address: Under penalties of perjury,I declare that I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief, it is true,correct and complete.Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge. SIGNATUR PE SON RESPON,SI LE FC�R FI ING RETURN D�yE � Rla� ll�{- ADDRESS - '�t'� 5��erCro,,�n 'Oc. � 1'�'1ec�-,u,r;c:.�bu�'a . !�� 110�l.� SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE DATE ADDRESS PLEASE USE ORIGINAL FORM ONLY Side 1 � 1,50561�101 15�56101,01 J J 150561�105 REV-1500 EX DecedenYs Social Security Number Decedenrs r,ame: Charlotte M.Thomas RECAPITULATION 1. Real Estate(ScheduleA). .. ....... .... ...... .. ..... .... .. .... .. ... . .. �. 145,000.00 2. Stocks and Bonds(Schedule B) ..... . .. .. .. .... .. ......... .. .. .. .... . . 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship(Schedule C) . . . .. 3. 4. Mo�tgages and Notes Receivable(Schedule D) .. .... ....... .. .... .. ..... . 4. 5. Cash,Bank Deposits and Misceilaneous Personal Property(Schedule E).. .. .. . 5. 19,511.44 6. Jointly Owned Property(Schedule F) O Separate Billing Requested .... ... 6. 7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property (Schedule G) O Separate Billing Requested.... .. .. 7. 8. Totai Gross Assets(total Lines 1 through 7). .. .. .... ..... .. .... .. .... ... 8. 164,511.44 9. Funeral Expenses and Administrative Costs(Schedule H)... .. .. .. .. .. .. .. .. 9. 8,503.60 10. Debts of Decedent, Mortgege�iabilities,and Liens(Schedule 1) . ..... .. . .... . 10. 4,866.57 11. Total Deductions(total Lines 9 and 10).. .. .... .. .. .. ..... .. .. .... ..... . 11. 13,370.17 12. Net Value of Estate(Line 8 minus�ine 11) . .... .. .. ..... .. .. .. .. .. ..... . 12. 151,141.27 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. 151,141.27 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.0_ 15. 16. Amount of Line 14 taxable at Iineal rate X.0 45 151,141.27 �g. 6,801.36 17. Amount of Line 14 taxable at sibling rate X.12 �� 18. Amount of Line 14 taxable at collateral rate X.15 18� 19. TAX DUE ... .... ... .... .... .. ................ .... .. ........ .... ... 19. 6,801.36 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT 0 Side 2 � 1505610105 1,50567,0105 � REV-1500 EX Page 3 File Number Decedent's Complete Address: DECEDENT'S NAME Charlotte M. Thomas STREET ADDRESS 104 N. 36th St. CITY ' STATEPA Z�P17011 � Camp Hill Tax Payments and Credits: 1. Tax Due(Page 2,Line 19) (1) 6,801_36 2. CreditslPayments A.Prior Payments B.Discount _.— Total Credits(A+B) (2) 3. Interest �3� 103.73 4. if Line 2 is greater than line 1 +Line 3,enter the difference. This is the OVERPAYMENT. Fill in oval on Page 2,Line 20 to request a refund. �4) ____.___ 5. If Line 1 +Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 6,905_09 Make check payable to: REGISTER OF WILLS, AGENT. PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decetlent make a transfer and: Yes No a. retain the use or income of the property transferred:.......................................................................................... ❑ � b. retain the right to designate who shall use the property transferred or its income:............................................ ❑ � c. retain a reversionary interest;or.......................................................................................................................... ❑ � d. receive the promise for life of either payments,benefits or care?...................................................................... � � 2. If death occurred after Dec.12,1982,did decedent transfer property within one year of tleath without receiving adequate consideration?.............................................................................................................. ❑ X❑ 3. Did tlecedent own an"in trust for"or payable-upon-death bank account or security at his or her death?.............. ❑ � 4. Did decedent own an intlividual retirement account,annuity or other non-probate property,which containsa 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 imposetl 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 percer�! [72 P.S. §9116 (a) (1.1) (ii)].The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1,2000: . The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent; an atloptive 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 tlecetlent's lineal beneficiaries is 4.5 percent, except as noted in 72 P.S.§9116(1.2)[72 P.S.§9116(a)(1)]. . The tax rate imposed on the net value of transfers to or for the use of the tlecedent'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 decetlent,whether by blootl or adoption. REV-1502 EX+(11-OS) 3 � :� pennsylvania SCHEDULE A ' OEPARTMENT OFAEVENUE tNHERITANCE TAX RETURN REAL ESTATE RESIDENT DECEDENT ESTATE OP FILE NUMBER Charlotte M. Thomas 2013-00895 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. Reai property that is jointly-owned with right of survivorship must be disclosed on Schedule F. Attach a copy of the settlement sheet if the property has been sold. ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common, VALUE AT DATE NUMBER OF DEATH DESCRIPTION 1� 104 N.36th Street,Camp Hill,PA 17011 -Appraisal report by Donald R.Steele Attached 145,000.00 TOTAL(Also enter on Line 1, Recapitulation.) $ 145,000.00 If more space is needed,insert additional sheets of the same size. REV-1508 EX+(6-98) SCHEDULE E COMMONWEALTH OF PENNSYLVANIA CASH, BANK DEPOSITS� ot MISC. INHERITANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT �.�+?ni�v� rlLt IVUIYICtK Charlotte M. Thomas 2013-00895 Inciude the proceeds of litigation and lhe 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 2002 Buick LaSaber 22,644 miles-Kelly Blue Book Value 6,500.00 2. Checking Account PNC Bank#50-05130296 1,180.31 3. Refunds from DTV and QVC 216.13 4 Joint Checking Account 11,000.00 5. Furniture&Belongings-See attached Appraisal from Hartly's Auction Service 615.00 TOTAL(Also enter on line 5, Recapitulation) $ 19,511.44 (If more space is needed,insert additional sheets of the same size) REV-1511 EX+(10-09) �� pennsylvania SCHEDULE H DEPARTMEN70FREVENl1E FUNERAL EXPENSES AND INHERITANCETAXRETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT LJIMIC Vf FILE NUMBER Charlotte M. Thomas 2013-00895 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERALEXPENSES: 1' Rolling Green Cemetary 3,419.00 2 CHPC Presbyterian Women-Funeral Luncheon 152.32 3 e. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s)of Personal Representative(s) Debra Mihalaki Street Address 70 Silver Crown Dr. City..Mechanicsburg _state_ PA Zip 17050 Year(s)Commission Paid: N/A-waived z Attorney Fees 4,112.00 3• Family Exemption: (If decedent's address is not the same as claimant's,attach explanation.) _ Claimant Street Address City ____ State ZIP _ Relationship of Claimant to Decedent 4. Probate Fees: 358.50 5, Accountant Fees: 6• Tax Return Preparer Fees: �• Estate Advertising Fees 211.78 Fees Reserved to Close Out Estate 250.00 TOTAL(Also enter on Line 9, Recapitulation) $ 8,503.60 If more space is needed,use additional sheets of paper of the same size. REV-1512 EX+(1Z-OS) � y� SCHEDULE I � �pennsylvania �t DEPARTMENTOFREVENUE DEBTS OF DECEDENT, � INHERITANCE TAX RETURN MORTGAGE LIABILITIES & LIENS RESIDENT DECEDENT CJIHIC VI' r1LC IYUMBCK Charlotte M. Thomas 2013-00895 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. Property Taxes _ 1,670.86 2. Hamptlen Township-Sewer/Trash 465.15 3. PP&L-Electric bills 1,034.65 4. UGI-Gas Bilis 178.65 5. PA American Water-water bills 75.00 6. West Shore EMS-Ambulance Bill 1,017.26 7. Hardy's Auction Service-Appraisal of personal property 75.00 8. Dugan Appraisal Services-Appraisal of house 350.00 _ _ __ _ _ __ _ _ _ TOTAL(Also enter on Line 10, Recapitulation) $ 4,866.57 If more space is needed,insert additional sheets of the same size. REV-1513 EX+(01-10) � � a pennsylvania SCHEDULE ] �'4( DEPARTMENT OF REVENUE [NHERITANCE TAX RETURN BENEFICIARIES RESIDENT DECEDENT ��iAT'c v�: FILE NUMBER: Charlotte M. Thomas 2013-00895 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS[Include outright spousal distributions and transfers under Sec.9116(a)(1.2).] 1• Donna Schlegel,61 Hellam Dr.,Mechanicsburg,PA 17050 Daughter $100.00 2. Nancy Stover, 1870 Franklin Way,Quakerstown,PA 18951 'Daughter $100.00 3. Justin D.Mihalaki,70 Silver Crown Drive,Mechanicsburg,PA 17050 Grandson 50% 4. Debra Mihalaki,70 Silver Crown Drive,Mechanicsburg, PA 17050 Daughter 50% 5. Jerald Thomas, 145 Sugar Maple Drive,Etters,PA 17319 Son $0.00 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN A80VE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET,AS APPROPRIATE. II NON-TAXABLE DISTRIBUTIONS A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. 8. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. TOTAL OP PART II— ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $ If more space is needed,use additiona�sheets of paper of the same size. HARDY'S AUCTION SERVICE 193 OREB.ANK RD �iiiuBTJ�:�,pLi i�v i� 717-432-3779 Chazlotte Mae Thomas 104 N 36`� St Camp Hill,PA 17011 June 13, 2014 Dusan Bratic Attorney 101USlSSouth Dillsburg,PA 17019 Attached is the appraisal far the Estate of Charlotte Mae T'homas.The fee for this service is $75.00 payable upon receipt. Thank you for your business, M � .,,,,-��t ' �i'��' Vickie Hardy Auctioneer/Appraisal AU0002795L Charlotte Mae Thomas Estate ITEM AMOUNT SOFA 3.00 RECLINER 50.00 CHAII� -- ---------- -- -- -- — ____ S.uG COFFEE & END TABLES 10.00 N&STAND 50.00 FLOOR &TABLE LIGHTS 20.00 RECLINER 20.00 DINING ROOM TABLE W/CHAIRS 100.00 H UTCH 15.00 SERVER 35.00 TABLE STAND 10.00 CURIO 30.00 POTS-PANS-DISHES-UTENSILS-ALL TYPES OF KITCHEN ITEMS 50.00 4 PC OLDER SILVER BEDROOM SUITE 35.00 3 PC OLDER SILVER BEDROOM SUITE 25.00 MAYTAG WASHER 50.00 MAYTAG DRYER OLDER 15.00 TABLE W/CHAIRS __ _ 5.00 STEREO ' 1.00 OLD SOFA& FURNITURE IN BASEMENT _10.00 OLD N,STAND _ _ _ 1.00 BAR STOOLS 25.00 PICTURES, BEDDING,TOWELS, LINENS, ETC 15.00 GAMES, DECORATIONS, ETC. 35.00 TOTA L 615.00 ._ ...,.. , _ .._.�.. . _ ,. � �;�,. , '' � �-' �� ♦ F'6. � �e� S i A a �� ♦ • � �.. �f 't '�•� } ' � P u '�� y .. _�, *.,�� '. � f1;"'�h �4. �~ , � ' � l�z1� �,,..7.� � . � . �',,.'' '�'.,' - 1�fi� i ap�.'� _ t 1 �� « #',+��u 3 's `!e-�z v,...�. x '.i APPRAISAL OF REAL PROPERTY LOCATED AT: r,..: 104 N 36TH ST - BOOK 22Z PAGE 761 CAMP HILL,PA 17011-2711 FOR: DEBRA MIHALAKI,EXECUTRIX 70 SILVER CROWN DR.,MECHANICSBURG,PA 17050 , AS OF: 11/08/2013 BY: ' DONALD R.STEELE Form GA5•"TOTAI"appraisal software by a la mode,inc.-1-800-ALAMODE Uniform Residential Appraisal Report Fle� 2013082 The purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately suppoded, opinion o� the market value of the subject property. Property Address 104 N 36TH ST ��' CAMP HILL State PA Zip Code 17011-2711 ___-._. ----- ___-------- Borrower Owner of Public Record CHARLOTTE THOMAS ESTATE County CUMBERLAND ._--------- _- .__---------------._.__ __ - � ._------------------- Legal Description BOOK 22Z PAGE 761 -------- __ - -- _ __ _._. __ .._ -- Assessor's Parcel# 10-21-0275-063 Tax Year 2013 � � R.E Taxes$ �,72g — -------__._..._ . __._ _.._-- ---------__.._.__- ---. .._._.__. _ ..._-..__.. Neighborhood Name HOLLYWOOD Map Reference 25a20 Census Tract 0�13.Oa - ----------- ---_._. ._..__..------- -- --_—._ . Occupant ❑Owner ❑Tenant �i Vacant _ _ Special Assessments$ 0 _ __ �_•„_PUD HOA$_ [J per year [J per month __-. " Properry Rights Appraised �I Fee Simple ❑Leasehold_ �]Other(describe) _ _ - -- - ----- --- _ -- --- Assignment Type ❑Purchase Transaction ❑Refinance Transaction Xi Other(describe) ASSET EVALUATION - ----- ------ ---- --- - ----------__---- - __ _ _-- --- Lender/Client DEBRA MIHALAKI,EXECUTRIX Address 70 SILVER CROWN DR.,MECHANICSBURG,PA 17050 -- � ----- --� - - -- -- �----- --- -- Is the subject property currently offered for sale or has it been aflered for sale in the twelve months prior to the eflective date oi this appraisal� _ _[i Yes iXi No _ Report data source(s)used,offering price(s),and date(s). CENTRAL PENN MLS AND ESTATE � __ ___ ____ ____._ ____ I ❑did ❑did nat analyZe the contract tor sale for the subject purchase transaction.Explain the resutts of the analysis of ihe contract tor sale or why the analysis was not performed. ,- Contract Price$ Date ot Conhact Is the property seller the owner of public record? ❑Yes ,�No Data Source(s) Is there any financial assistance(loan charges,sale concessions,gift or downpayment assistance,etc.)to be paid by any party on behalt of the borrower? ;Yes [_;No � It Yes,repoR the total dollar amount and tlescribe the items to be paid. Note:Race and the racial compasition of the neighborhood are not appraisal factors. ;: ` Neighborhood Cfiarecteristics One-Unit Housing Trends � One-Unit Housing Fresent Land Use%;' --- - - - - --_- Location ❑Urban �Suburban Rural Property Values ❑Increasing iX Stable __�]Declining !_ PRICE AGE �One-Unit 75% Built-Up �I Over 75% �25-75% �Under 25% Demand/Supply Shodage x In Balance Over Su I � $ 000 rs ,2 4 Unrt % �---- ❑ PP Y_! � ) (Y I _.. • Growth ❑Rapid _I�I Stable �Slow i Marketing Time ixl Under 3 mths !3-6 mths ❑Over 6 mths � 100 Low 40 Multi Family % • - - --- - - - --- , Neighborhood Boundaries 35TH ST TO THE E,TR�NDLE RD TO THE S(ROUTE 641),_SPORTING HILL TO _, 200 High �pp Commercial g% - ---------- -- --- - - --' -- - --- ' THE W AND THE CONODOGUINET CREEK TO THE N ! 150 Pred. 50 �Other Zp% ------------- _ _------ ---- ----- __------ Neighborhood Description THE SUBJECT IS LOCATED IN A SUBURBAN NEIGHBORHOOD CONSISTING OF VARYING STYLE AND AGE HOMES LOCATED IN HAMPDEN TOWNSHIP WITH EASY ACCESS TO ALL AMENITIES,SERVICES,EMPLOYMENT AND RECREATION.THE AREA IS VERY - ----------- NON HOMOGENEOUS AND HAS A WIDE RANGE OF DESIGNS AND SIZES OF HOMES�MOSTLY 1950'S AND 1960'S ------- -------- ------ Market Condttions(including support�or the above conclusions) MARKET CONDITIONS ARE STABLE WITH SUPPLY AND DEMAND IN BALANCE.PRICES ARE STABLE.THE UNEMPLOYMENT RATE IN THE REGION IS AND HAS HISTORICAL�Y BEEN BELOW NATIONAL AVERAGES WITH STATE AND - -- ______---- - -- FEDERAL EMPLOYMENT AND THE AREA BEING A TRANSPORTATION HUB WITH ITS INTERSECTING INTERSTATES Dimensions DATA FROM TAX MAPPING Area 22 ACRE Shape RECTANGULAR View ResidentiallAVE ---- -------_... .__ _._..______- -----------_____--------------- -- Spec'rfic Zoning Classification R-S Zoning Description RESIDENTIAL SUBURBAN - - ----------------- __---- Zoning Compliance �$I Legal �Legal Noncontorming(Grandtathered Use) �No Zoning L!Illegal(tlescribe) .------- --- _ _ __--- Is the highest and best use of subject pmperry as improved(or as proposed per plans and specifications)the present use? �Q Yes [I No If No,descnbe -- - -----______ -- - ------- Utlllties Public O�her(describe) public Olher�descrihe) Off-si�elmprovements-Type Public Private --- - .-_____.__.--------- - - -- - ---- Electricity_ �I ❑ -----Water---p('_ __C__ - __--Street MACADAM ----------X�_ n _ ----- ----- Gas �� -- � ❑ _ Sanftary 5ewer__�_ __�I - _.AIIeY--NONE--------.__.__ u FEMA Special Flood Hazard Area �Yes No FEMA flood Zone X fEMA Map# qZ041CO277E FEMA Map Date 3/16/2009 Are the utili6es and o(f-site im rovements ------ _- ----- p rypical tor the market area? __iX Yes �_No Ii No,describe __----------_. .-- ---- ----------- Ate there any adverse site conditions or ez�ernal factors(easements,encroachments,environmental condftions,land uses,etc.)? �Yes �No If Yes,describe THERE ARE NO KNOWN TO EXIST,JUST THE TYPICAL UTILITY EASEMENTS.THE APPRAISER HAS NOT CHECKED THE LAND RECORDS FOR RECORDED EASEMENTS AND HAVE REPORTED ONLY APPARENT EASEMENTS_ENCROACHMENTS AND OTHER APPARENT AND/OR KNOWN ADVERSE CONDITIONS. General Description Fountlation Exletiot Descriptiom materials/condition Jnterio[ materials/condition _ -- ---- - ----- ------------ Unils One One wi[h Accessory UnR ,Concrete Slab _❑Crawl Space Foundation Walls BLOCK/AVE Floors WDICPTNNUAVE ---------- --------------------.. #of Stories � �i Full Basement ❑Partial Basement E�Renor Walls BRICK-ALUM/AVE Walls PLASTER/AVE -- ------ -- --------------- -- Type I$IDeL Att. IS-Det/EndUntt BasementArea �,2�g sq.ft. RoofSurface COMPOSITION/AVE Trim/Finish WOOD/AVE E�cisting �]Pmposed ❑Under ConsL Basement Finish 75 % Gutters&Downspouts qLUMINUM/AVE Bath Floor CERAMIC/AVE Desiqn(Sryle)_ RANCH_ i�{i Outsitle Entry/Exit�al Sump Pump Window Type _ _Double Hung/A_v_e Bath Wainscot CERAMICIAVE - - _ _-- - Year Buitt 1962 Evidence oi Infestation Storm Sash/Insulated INSULATED Car Storage ❑None EttecUve Age(Yrs) 20-25 ❑Dampness (�Settlement Screens VINYLJAVE Ri Driveway #of Cars � AIGc i None Heatin FWA I HWBB !❑Radiant AmenBies O y CONCRETE _ � g � ❑ ❑Woodstove s # Drivewa Surface --- ..- -- ---- ❑Drop Stair �Stairs Other _�Fuel GAS_ _ '; i Fireplace(s)# �Fence _ �Garage #of Cars p_ Floor _ �Scuttle Cooling �I Central Air Conditiomng____ _ Patio/Deck i i Porch ENTRY i_i Car ort #of Cars � Finished Heated Individual � R P ❑ ❑ ❑ u Other �]Poal ❑Other �i Att. �Det. ❑Built-in Appliances I$�Refrigerator �Range/Oven ❑Dishwasher ❑Disposal ❑Microwave ❑Washer/Dryer ❑Other(tlescribe) Fnished area above grade contains: g Rooms 3 Bedrooms �.p Bath(s) �,z�g Square Feet of Gross Living Area Above Grade __------ -- - ---- -- . Additional features(special energy efticient items,etc.). ALL INCLUDED ABOVE. --- ------------__ _ _ -- - ----------_.__------.. -------- Descri6e the condfion of the property(including needed repairs,deterioration,renovations,remodeling,etc.). THE SUBJECT HAS BEEN MAINTAINED IN LESS - - ------- .__._. _.._--_ -- --- -------- -- THAN AVERAGE CONDITION WITH SOME DEFERRED MAINTENANCE OBSERVED. THE CARPET IS SOMEWHAT WORN AND THE KITCHEN BATH AND LOWER LEVEL IS DATED.IT IS MOSTLY IN GOOD CONDITION,BUT IS ALSO THE ORIGINAL MATERIALS AND APPLIANCES.THERE IS NO MEASURABLE EVIDENCE OF FUNCTIONAL OR EXTERNAL OBSOLESCENCE Are there any physical deficiencies or adverse condftions that affect the livabiliry,soundness,or stmctural integriry of the properly?_ _ �Yes �I No If Yes,describe THERE WAS NO OBVIOUS EVIDENCE OF ANY ADVERSE CONDITIONS OR PROBLEMS NOTED DURING THE INSPECTION.AN APPRAISER CAN ONLY OBSERVE ANY OBVIOUS SIGNS OR INDICATIONS OF PROBLEMS AND IS NOT QUALIFIED AS AN ENGINEER OR HOME INSPECTOR.THERE — -..-------- - -----_ ---------------- WERE NO CONDITIONS TO PROMPT THE APPRAISER TO CALL FOR ANY SPECIAL INSPECTIONS. — - --- _ ----- _._._ __ __- _ -- Does the properry generally conform to the neighborhood(functional uhlity,style,condition,use,construction,etc)� __ixi Yes �No If No describe --- -- --- --- THE SUBJECTS DESIGN IS A TYPICAL ONE FOR THE AREA AND CONFORMS IN UTILITY,USE AND IN THE GENERAL CONDITIONS EXPECTED IN THIS MARKET. -------- ------------- -- -- Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005 form 1004-"TOTAL"appraisal software by a la mode,inc.-1-800-ALAMODE Uniform Residential Appraisal Report F�e� zo,3os2 There are 6 comparable propedies currently oflered tor sale in the subject neighborhootl ranging in price irom $ 120 000_____to$ 180,000 ____ There are �3 comparable sales in the subject neighborhood w'rfhin the past twelve months ranging in sale price from$ 120,000 to$ 180,000 FEATURE SUBJECT COMPARABLESALE#1 COMPARABLE SALE#2 COMPARABLESALE#3 Address 104 N 36TH ST 3501 HAWTHORNE DR 6324 CHESTERFIELD LN � 438 VIRGINIA RD CAMP HILL PA 17011-2711 CAMP HILL,PA 17011 MECHANICSBURG,PA 17050 MECHANICSBURG,PA 17050 ----- ---------.. - ----- ------------ -- --- Proximity to Subject 0.09 MILES E 2.97 MILES W 1.54 MILES SW - - - - --- -- -- - SalePrice $ �� S 158,500 . $ 755,000. .� �$ 130,000 - - — — ---- � --� � --� .___. _— , Sale Price/Gross Liv.Area � sq.ft $ 135 70 sq n_I_.. __.__ s 129,60 S9_n_�----_----8 --11722 sq.ft�_ -- - -- -- DataSource(s) _ .�.�.MLS �� MLS MLS Verification Source(s) '' EXTERIOR TAX RECORDS _ EXTERIOR TAX RECORDS_ EXTERIOR,TAX RECORDS VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION � +()�Adjustment DESCRIPTION +()S Adjustment DESCRIPTION _' +(_)$Atljustment _ — ---- — - - ---- - ---- - ------ - — Sales or Financing CONV FHA CONV Concessions NO�1z0 qEDOMII___ COSTS$3,000 ___ NONE NOTED - -- ---- -- __------ Date of Sale(fime 05/30/13 2 DOM 07/19/13-59 DOM. --- -- - - - - -------- Location Suburban/AVE Suburban/AVE i Suburban/AVE Suburban/AVE Leaseholtl/Fee Sim le ------- - ----- P _._Fee Sim 1�_Fee Simele_._ _r_ ___ Fe_e_Simple_.___ _Fee Sim�_ ------ S�e _ _______022 ACRE ___ 0.19 ACRE _ I _ 0 0_31 ACR_E_..__ 0 0.17 ACRE 0 _ -- - -- �1eW ResidentiaUAVE Residential/AVE_��_ Residential/AVE Residenlial/AVE , ------- --- ------ -- -- — --- Design(Style) RANCH RANCH � RANCH RANCH_____ �ualityofConstmction BRICK-ALJAVE ALUM/STN/AVE ~ � � BRICK-VNL/AVE � VINYLIAVE .__.- ._ .. --- ---- .._- -------- �--- - -- - Actual Age _ 51 54 48 0 52 0 — — -- - - - -- Condition __ AVERAGE- AVERAGE I -10 000 AVER,4GE -10 000 AVERAGE -10,000 Above Grade Total Bdrms. Bafhs Total Bdrms BaNs Tatal Bdrms. Baths Total Bdrms.j Baths Room Count 6 3 1.0 6 i�2 0 -5 000 6 3 1.0 ___ 5 3 j 1 0 0 Gross Living Area 1 218 sq.ft. 1,168 sq.tt.�---- -----�-�1 196 sq.ft. 1.109 sq.ft.��,_ +2.725 Basement 8 Finished t,p1g Sq.Ft. 1168 Sq.Ft � 1,196 Sq.FL NONE �'� +5,000 RoomsBelowGrade __ 1rrObrO.ObaOo 0%FINISHED I +4,0001rrObrO.ObaOo __ +q,000 --�- --- — - - -- ----- ------- Functional Utility _ AVERAGE AVERAGE_ _I_ ____ AVERAGE____ AVER,4GE ' --- - — - -- ------ Heating/Cooling FHA/CA FHA/CA HWBBfNONE _ +5 0, 00 FHAJNONE +5,000 - --- �- -- - -- • Energy Efficient Items WIND/DOORS EQUIVALENT � E�UIVALENT EQUIVALENT ' • -- - - -— --- -- • Garage/Carport 1 CARPORT 1 CARPORT 1 CARPORT NONE ' +�,500 ' --- -' - .. - — ---- —--- ' Porch/Patio/Deck PORCH PORCH/Patio � -1,500 PATIO/DECK -1,500 DECK ___; 0 - - -- --- _ .------- -- --- - • FIREPLACES/WOODSTOVES NONE NONE ___ NONE_ _ NONE ___' � - - ----_ . _- __ ---- _-- ---_--- ----- - i. ------.. --- ' --. _-- --- -- --- ---- - Net adi�scmeot(�aaq L,+ �Xi !E =i z eoo __�) + _�R�- $ --- - s,eoo__�+_CI $_ ___ ____e zzs Adjusted Sale Price Net Atlj. 7.g %� Net Adj. q.2 % Net Adj. 6.3 � ofComparables ��:�GmssAdj. �2,g %I$ ta6,000GrossAdj. 10.6 % $ 148,500GmssAdj. Q�,7 %��,$ 138,225 I gi did �]tlid not research the sale or transfer history of the subject property and comparable sales.If not,explain — -------__-- -- ---- -- My research �ditl Igj tlid not reveai any prior sales or transfers af the subject property tor the three years prior to ihe eflective date of this appraisal. - _ - -------------------- --_ _----- --- Data Source(s) CUMBERLAND COUNTY TAX RECORDS AND THE CENTRAL PENN MLS My research ❑did I�did not reveal any prior sales or transters of the comparable sales for the year prior to the date of sale of the comparable sale. Data Source(s) CUMBERLAND COUNTY TAX RECORDS AND THE CENTRAL PENN MLS Report the results of the research and analysis of the prior sale or Irans�er history of the subjeci property and comparable sales(repod additional prior sales on page 3). ITEM SUBJECT __ _ �-COMPARABIESALE#i COMPARABLE SALE#2 �_COMPARABLE SALE#3 Date of Prior Saleliransfer 1 - ----I------ _--------�-------------------- Price of Prior Sale/7ransfer ; ----�---- --_ _-_--- ----------- -- _----- Data Source(s) TAX RECORDS/CPM�S TAX RECORDS/CPMLS__ TAX RECORDS/CPMLS TAX RECORDS/CPMLS -- - - - - Eflective Date of Data Source(s) �11/Otl2013 11/D1(2013 71/012013 11/Ot/2013 -------- ------.. _-� -------I-�----. _--------------------- Analysis of prior sale or transfer history of the subject property and comparable sales NONE IN OVER 3 YEARS FOR THE SUBJECT AND 1 YEAR FOR THE ----..._.._-------- ...-- ---- SALES AS INDICATED ABOVE - ------_.----.-..._�-------------�--..------------------ Summary ot Sales Companson Approach SALE#1 IS REPORTED IN SUPERIOR_CONDITION DUE TO UPDATED SURFACES AND THE KITCHNE AND_ _ BATHS AS WELL SALE#1 WAS AL50 REPORTED TO HAVE A NEWER ROOF,HOT WATER HEATER AND ELECTRIC SERVICE.SALE#2 IS FROM A COMPETING NEIGHBORHOOD.SALE#2 IS ALSO UPDATED AND SOMEWHAT UPGRADE_D COMNPARED TO THE SUBJECT.THE EXTERIOR__ SPACES ARE PLENTIFUL WITH AN OUTDOOR COVERED TIKI BAR AND A DECK AND A PAVER PATIO.SALE#3 IS LEAST�IKE THE SUBJECT.DUE TO THE LACK OF COMPARABLE SALES SALES#2 AND#3 HAD TO BE INCLUDED_SALE#1 IS BELIEVED THE MOST SUPPORTNE OF THE SUBJECT AND IS GIVEN THE MOST WEIGHT. ---------.—...- ------�---_ _.--------------------------__------- Indicated Value by Sales Comparison Approach$ 1 a5,000 Indicated Value by:Sales Comparison Approach$ 145,00o Cost Approach(if developed)$ 1 a8,00a Income Approach(if developed)$ MOST WEIGHT GIVEN TO THE MARKET COMPARISON APPROACH.NO VALUE GIVEN TO THE INCOME APPROACH DUE TO LACK OF HARD DATA. -- -- --------- THE COST APPROACH SERVES ONLY AS AN INDICATOR OF VALUE AND IS CONSIDERED TO DEFINE THE UPPER LIMIT. ---- -------- — - ---- - ------.----- This appraisal is made �i"as is", � subject io completion per plans and specifications on the basis ot a hypothetical condition that the improvements have been wmpleted, ❑subject to the following repairs or alterations on the basis ot a hypothetical condftion that the repairs or alterations have been completed, or i I subject to the • tollowing required inspection based on ihe extraordinary assumption that the condition or deficiency tloes not require alteration or repair: _ __ __ _ ' --- ----------------.__.. ---- ------- --- Based on a complete visual inspection of the interior and exlerior areas of the subject property, defined scope of work,staiement of assumptions and limiting conditions, and appraiser's certification, my (our) opinion oi the market value, as defined, ot the real property that is the subject of this report is S 145,000 ,as of 11/OSl2013 , which is the date ot inspection and the efiective date of this ap raisal. Freddie Mac Form 70 March 2005 Page 2 of 6 Fannie Mae Form 1004 Mareh 2005 Form 1004-^TOTAL"appraisai sottware by a la mode,inc.-1-800-ALAMODE unitorm Hesiaentiai Nppraisa� t�eport Filetl 2013082 THE INTENDED USER OF THIS REPORT IS FOR THE CLIENT/LENDER AND FOR NO OTHER.THIS REPORT IS INTENDED FOR USE ONLY BY CLIENT/LENDER TO MAKE A DECISION FOR A LOAN INVOLVING THE SUBJECT PROPERTY AND FOR NO OTHER PURPOSE.USE OF THIS REPORT BY OTHERS IS NOT INTENDED BY THE APPR.4ISER. AN APPRAISAL IS NO GUARANTEE THAT THE PROPERTY IS FREE FROM DEFECTS.THE APPR,4�SAL ONLY ESTABLISHES THE VALUE OF THE PROPERTY FOR MORTGAGE PURPOSES.THE APPR,4ISER NOTES READILY OBSERVABLE CONDITIONS DURING A PASSIVE INSPECTION AND MAKES RECOMMENDATIONS AS NEEDED. THE COST APPROACH HAS NOT BEEN DEVELOPED BY THE APPRAISER.THE COST APPROACH IS NOT A RELIABLE INDICATION OF VA�UE BECAUSE OF THE PROPERY'S AGE.CHANGING COSTS OF LABOR AND MODERN MATER�ALS,BUILDING CODES AND GOVERNMENTAL REGULATIONS AND REQUIREMENTS MAKE THIS APPROACH DEPRECIATED REPLACEMENT COST. -- ----------------._. ---------------------------._._.....----.._-------------- A THOROUGH SEARCH FOR SIMILAR SALES WAS MADE,AFTER CONSIDERING LOCATION DATES OF SALE,PHYSICAL DIFFERENCES AND ANY SPECIAL CONDITIONS. IN THE APPRAISER'S OPINION THE SALES SELECTED ARE THE BEST AVAILABLE AT THE TIME OF THE INSPECTION TO ACCUR,4TELY INDICATE MARKET VALUE.ADJUSTMENTS TO THE SELECTED SALES HAVE BEEN MADE USING THE APPRAISER'S JUDGEMENT TO ANALYZE AND INTERPRET DATA.QUANTITATIVE AND QUALITATIVE ANALYSIS ALONG WITH THE ------ -_-_ ___-------- --- ------- APPRAISER'S JUDGEMENT HAVE BEEN USED TO ADJUST THE COMPARABLE SALES.QUALIFICATION HAS HELPED THE APPRAISER TO ANALYZE MARKET EVIDENCE AND IDENTIFY HOW VARIOUS FACTORS AFFECT PROPERTY VALUE AND MARKET REACTION. ------------ ------ -- --- ----_.._ _.------------- ----- I HAVE PERFORMED NO OTHER SERVICES AS AN APPRAISER OR IN ANY OTHER CAPAGTY,REGARDING THE PROPERTY THAT IS THE SUBJECT OF THE APPRAISAL WITHIN THE THREE YEAR PERIOD IMMEDIATELY PRECEDING ACCEPTANCE OF THIS ASSIGNMENT. ---- -- __ ---- -- -------- ----- Cost A roach-Su ort for the 0 inion of Site Value THERE HAVE BEEN FEW LAND SALES IN THE AREA OVER THE LAST COUPLE OF YEARS.BASED ON�OOKING AT THE SALES OVER THE LAST 2 YEARS TAX ASSESSMENT VALUATION AND THE TYPICAL RATIO OF LAND TO BUILDING,THE OPINION OF SITE VALUE WAS FORMED. ONE OF THE ONLY SMA�L LOTS IN THE MUNICIPALITY THAT SOLD WITHOUT BEING PART OF NEW CONSTRUCTION WAS 6103 MILLBANK DR. OFF OF SKYPORT RD.FOR$60 000,11l11 SETTLED WITH 27 ACRES COST APPROACH TO VALUE(not required byFannie Mae); - --- ------�------- ' Provide adequate information for the lender/client to replicate the below cost figures and calculations. -------_ --- --------_----- ----- --- SuppoR for the opinion ot site value(summary of comparable land sales or other methods for estimating stte value) SEE ADDITONAL COMMENTS ABOVE. — ----- ---------- ESTIMATED ❑REPRODUCTION DR �I REPLACEMENT COST NEW__ _ __ jOPINION OF SITE VAIUE________ ______________ _$ __ 35 000 ; Source ot wst data NOT DEVELOPED i DWELLING �,2�g Sq_Ft.@$ 101.99,__ =$ 124 Z_24 �Y 9 — ---- --- - ----- ------- - - : �uai' ratin fmm cost service Avera e Eflective date oi cost data 12/2012 �BASEMENT ___ 1,216_Sq.Ft.@$ ___ 2670_____ _$ __ 32 521 - Comments on Cost Appmach(gross living area calculations,depreciation,etc.) ' ',APPLIANCES,ETC =$ 5,416 -------___ ---- -------- ------ ---- - SEE ATTACHED SKETCH ADDENDUM FOR SQUARE FOOTAGE �'��Garage/Carport 408 Sq.Ft.@$ 17.98_.._-. _$ 7,336 . . __.__._-- '._---------- ------- ----- CALCULATIONS. ITotal Estimate of Cost-New =$ 169,497 - ----- --- __-- _ - - -- _ Less Physical functionai EMemal - Depreciation 56 493 $( 56,493) I Depreciated Cost of Improvements _______________ _$ i 13,004 'As-is"Value of Site Improvements =$ Esiimated Remainin Economic Life HUD and VA onl a0 Years " --- g ' ( - y) �INDICATED VALUE BY COST APPBOACH _ ___ =8 148,004 ------� ------� - �NCOME APPROACH TO VALUE(not required by Fannie Mae) ' - --- — -- _ ------- � Estimated Monthiy Market Rent$ X Gross Rent Muftiplier =$ Indicated Value by Income Approach — ----- ----- - --------------- -- - Summary of Income Approach(including support for market rent and GRM) PRDJECT INFORMATION FOR PUDs{if applicable) --- -- -- ==- Is the developer/builder in control of the Homeowners'Association(HOA)? ❑Yes ❑No Uni[type(s) ❑Detached ❑Attachetl Provide the tollowing iniormation for PUDs ONLY'rf the developer/builder is in conhol of the HOA and the subject property is an attached dwelling unit. Legal Name of Project ----- --- -- -- ---------- -- ---- --__ _ _ _ --_ _ - ----- --_ _ - - __ - ------ Total number ot phases Total number oi unfts Total number of units soltl •-- --------_-- ------ - -- -------__ _---- --___ ___ - ----- Total num6er of units rented Total number oi units for sale Data source(s) Was the project created by the conversion of existing building(s)into a PUD? ❑Yes [I No If Yes,date oi conversion. � -- -- ----- - . Daes the project contain any multi-dwelling units? �Yes � No Data Source —�-=� ---- -.. _.. __ _--- __ -- - --- ___ _- --- Are the unds,common elements,and recreation facilities complete? [_;Yes ��No li No,describe the status of completion. -- ----- - -_. _ - - - --------- ---------- --------- Are the common elements leased to or by the Homeowners'Association? �Yes No If Yes,describe the rental terms and options _ __ _ ____ ___ Describe common eiements and recreational tacilities. � _ - _.. . _ ------- - - ---- Freddie Mac Form 70 March 2005 Page 3 of 6 Fannie Mae Porm 1004 Maroh 2005 Form 1004-"TOTAL"appraisal sottware by a la mode,inc.-1-800-ALAMODE Uniform Residential Appraisal Report File# 2013082 This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD). This report form is not designed to repoR an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the foliowing 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 anaiysis 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 foliowing definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) pertorm a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4) research, verify, and analyze data from reliable pubiic and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal repor[ is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under ali cond'Rions 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 acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payme�t 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 doliar for doliar cost of the financing or concession but the dollar amount of any adjustment should approximate the markeYs 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 ot 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 pertorming this appraisal. The appraiser assumes that the tftle 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 availabie flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisai report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser wili 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 sub5tances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser wiil 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 atterations on the assumption that the completion, repairs, or alterations of the subject property will be pertormed in a professional manner. Freddie Nlac Form 70 March 2005 Page 4 of 6 Fannie Mae Form 1004 March 2005 Form 1�04-'TOTAL"appraisal software by a la mode,inc.-i-800-ALAMODE Uniform Residential Appraisal Report File# 2013082 APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I pertormed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property. 3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. 1 have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. l further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. I researched, verified, analyzed, and reported on any 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. 6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated in this report. 7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the markeYs reaction to the differences between the subject property and the comparable sales. 10. I 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. I have knowledge and experience in appraising this type of property in this market area. 12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records and other such data sources for the area in which the property is located. 13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in pertorming this appraisal. I have considered these adverse conditlons 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. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report, and 1 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 Iaw. 18. My employment and/or compensation for pertorming this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the preparation of this appraisal report, 1 have named such individual(s) and disclosed the specific tasks pertormed in this appraisal report. I certify that any individual so named is qualified to pertorm the tasks. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. 20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Freddie Mac Form 70 March 2005 Page 5 of 6 Fannie Mae Form 1004 March 2005 Form 1004-"TOTAL"appraisal software by a la mode,inc.-7-800-ALAMODE '" Unitorrri Hesidentia�Appraisa� neport Filef/ 2013082 21. The lender/client may disclose or distribute this appraisat report to: the borrower; another lender at the request of the borrower, the moRgagee or its succ�ssors 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; antl any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). • 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. FuRher, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution�,by rne. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, govemment sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction tha; involv�s any one or. more of these parties. 24. If this appraisal report was transmitted 'as�an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or sta�e laws (Azcluding�audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or repre�sentation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similat, state laws. . r � SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, corfclusions, and 'the appraiser's certification. 2. 1 accept full responsibility tor the conten#s of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certi�ication. • 3. The appraiser identified in this appraisal repoR is eittler 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 repoR 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 'aq "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 appraisaf 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 p ,g7AT�C�RT RES REAL ESTATE APPRAISER SUPERVISORY APPRAISER(ONLY IF RE�UIRED) / ' . � ��,_`� Signature � " _ ' Signature __ _ Name DONALD R.STEELE Name _ ____ _ ______ Company Name DUGAN APPRAISAL SERVICES' ' Company Name ___._,__ Company Address 22 SOUTH MARKET ST.,MECHANICSBURG,PA Company Address 17055 _ —_ -- Telephone Number (7��)7g�-3533 ___`_ Telephone Number _, __ ______ __ Email Address DUGANAP@MSN.COM� ' __ _�_ Email Add�ess _ ____ _ ____. Date of Signature and Report 1 v12/2o1�3. _ __ Date of Signature _____ _. ______ Effective Date of Appraisal 1 110 812 0 1� ____ State Certification# ___ _ __ _ State Certification# RL0o3222L � � _, � or State License# __ _____ ._____.___.,_______ or State License# ' State _________ ___ or Other(describe) ' State# '_ Expiration Date of Certification or License _ ___ __ State PA ' Expiratlon Date of Certification or License 06/30/2015 _ SUB,IECT PROPERTY ADDRESS OF PROPERTY APPRAISED � �_I Did not inspect subject property 104 N 367H S7 • � • [_] Did inspect exterior of subject property from street � —�— Date of Inspection CAMP HILL PA 17011-2711 ---�- ; 1 Did inspect interior and exterior of subject property APPRAISED VALUE OF SUBJECT PROPERTY$ 145_�_000 - LENDER/CUENT . Date of Inspection ____ _ Name • '�^ � —•---- --- COMPARABLE SALES Company Name DEBRA MIHALAKI,E�ECUTRIX _.____._ Company Address 70 SIWER CROWN DR. MECHANICSBURG,PA i�-i pid not inspect exterior of comparable sales from street 17050 _ _______ � � "I Did inspect exterior of comparable sales from street Email Address __ _ ____________ ` Date of inspection __ __ Freddie Mac Form 70 March 2005 • Page 6 of 6 fannie Mae Form 1004 March 2005 Form 1004-"TOTAL"appraisai soffware by a la motle,inc.-1-800-ALAMODE Uniform Residential Appraisal Report FIIeH 2O13082 FEATURE SU&IECT COMPARABLE SALE#4 COMPARABLE SALE#5 COMPARABLESALE#g Address tp4 N 36TH ST 108 N 36TH ST � CAMP HILL,PA 17011-2711 CAMP HILL PA 17011 --�----- --_ _._.._- __._. _ --- Proximityto Subject __ � 0.01 MILES NW � � � � --- - _._ ._- -- - --..__ .._._.. --- SalePrice $ $ t40,500 � � �� $ -- --...--- - .- _--- --- --- .._ .. __-- .. _-._ . ._ . .--- ._---- --- Sale Price/Gross Liv.Area $ sq_ft S 115 35 sq.ft. $ sq ft. $ sq.tt -- _ _- - --- -- -- ___ __ -- Data Source(s)_ _ _ __ MLS - � .-._....____.. _.. _. ... . . _ ... ._-----..._. ._._..----------._._.. ._.._--------- Ver'rfication Source(s) EXTERIOR,TAX RECORDS VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION ______ ____ � +()$Adjustment DESCRIPTION i +(-)$Ad�ustment DESCRIPTION +(-)$Adjustment Sales or Financing CASH � I _.. -__ _ -- Concessions_ _ . NONE NOTED__ I_._____._ . I ._ . __ __- .-- �----- ---� . __._-- Date of Sale/Time � .10/20/12-SSDOMi � � - -�- --. _.__ . ___. ___ .__� ... .--�-- --.._. __- -- Location __Suburban/AVE SuburbanlAVE - --. ;- -- - ---- --__ - -----_-- ---- . Leasehold/Fee Sim le � ----- � -- P Fee Sim le�_ Fee Sim�le --- --_I. . ---_._.- - -_.._ ------ ---_. -------------`------- • Sfte _ 022 ACRE 0.2 ACRE 0 ' - -- - _ _._ --- _- -- .---- : View Residential/AVE Residential/AVE ' -- � __ _ --_ __- --._- _--- Design STyIe) RANCH RANCH I -- — ---___. _ _. __ __ _-------- ,.----- ' �uality of Construction BRICK-ALJAVE BRICK-AUAVE 1 ----- ---------� ---_ __ __--- __._.. _ ------- � Actual Age ---- 5t 51 __ - - -------_ ---_ __ ---__- -------------- --- ' Condttion AVER,4GE- AVERAGE- ' Above Grade Total Bdrms. BaMs To[al Bdrms Baths � Total Bdrms. ,Baths � Total�Bdrms. 8aths I� — - - -- �---r - - ..... _—- --- '---._..._ Room Count 6 3 1.0 6 �3 1_0_ __ � _ � � -- -— -- ---- . Gross Living Area 1 218 sq.ft. 1,218 sq.ft. ... p s.ft. ... . s ft I - ---- --q —_ _---- ---Q �_..-- -- B a s e m e n t$R n i s h e d �,2 7 g Sq.F t. 1,2 1 8 Sq.Ft. RoomsBelowGrade 1rrObrD.ObaOo 1rrObr0.1ba0o -1500 �� _- ------ -- ---- ..---- - � _---- ----- ��---- --�----- Ponctional Utility AVERAGE _ AVER,4GE j — � - _....------ ---------------_;------- Heating/Cooling __ _FHAlCA FHA/CA ---- - - __ _ __ __ _ -- __ ------- --_.__ _ - - --- Energy Efficient Items WIND/DOORS EQUIVALENT Garage/Carport — -- - __--- _ -------- _-__ ------------ ______1 CARPORT__ 1 CARPORT_ _,. _- .__ __ ---__.._.. ---- ___--- -, _ Porch/Patio/Deck _ pORCH PORCH — -- - -I.------- _ --_---' --- --___ ____ FIREPLACES/WOODSTOVES NONE NONE — �_ --- __ ——_ _ __--- _ _ - --- — - _----- ----- - -- __ ___ _— -- ------ --— --- -- —— ------- Net Adjustmen[(fotal) (i_+ Xi _IS -1 500 �`I+ �_! - $--.- --�+ I� $ — -- - - ---------�- ---- Adjusted Sale Price Net Adj. �,1 % Net Adj. % Net Ad'. % of Com arables i P Gross Adj. 1,� % $ 139,000 Gross Adj. % $ Gross Atlj. % $ RepoR the results of the research and analysis of the prior sale or transter history of the subject properry and comparable sales(report additional prior sales on page 3). -- - ------ ITEM SUBJECT ! COMPARABLESALE#4 � COMPARABLESALE#� COMPARABLESALE#6 - -- --- ---- Dffie ot Prior Sale/Transfer - ---- - . i-- . I I --- Price o1 Prior Sale/Transfer ------ -. I_ -- ____ �_-- ---- - — - - - -- ___ _ _ --. 1 _--- -- --- � Data Source(s) _ TAX RECORDS/CPMLS _��TAX RECORDS/CPMLS � � - t---—--- ---- -- _ .—_- - _-__-- Eftective Date of Data Source(s) 11/01/2013 ___ ��.11/01/2013 ' -I-�-�_-- -- ---.. . ____ _. _�._ ------�------ Analysis o(prior sale or transter history oi the su6jec[property and comparable sales NONE IN OVER 3 YEARS FOR THE SUBJECT AND 1 YEAR FOR THE . SALES AS INDICATED ABOVE ---- - Analysis/Comments SALE#4 IS AN OLDER SALE AND BELIEVED TO BE IN A MARKET THAT WAS NOT AS IMPROVED AS THE CURRENT ONE.THIS SALE IS SIGNIFCANT IN THAT IT IS VERY SIMILAR IN DESIGN ROOM COUNT AND CONDITION AS THE SUBJECT.THE SALE WAS A CASH SALE -- FOR AN 1NVESTMENT PROPERTY AND.IS BELEIVED TO BE LOWER THAN MARKET VALUE AT THE TIME.THIS SALE IS ALSO GIVEN LESSW EIGHT - - ----- ---- ...------------��- — -- -- DUE TO TNE TIME AND SITUATION. -- -- -------..__ ..-----.. . .__._---..._._ - �- .-- -- E 6 LISTINGS INDICATED ON THE FORM TO BE COMPARABLE TO THE SUBJECT ARE COMPARABLE BY THE SEARCH CRITERIA USED WHICH WAS:ONE STORY,BETWEEN$720 000 AND$180,000,IN HAMPDEN TOWNSHIP AND IS BETWEEN 1,t00SF AND 1,400SF GLA.UPON REVIEW,THE - - - �- ---- ----- - -- -�-- SUBJECT SEEMS TO BEST FIT AT THE EXTIMATED MARKET VAWE TO BE COMPETITNE WITH THE CURRENT LISTINGS. __------------- -—- __- - -___ ---- - ----- - - - ONE ASSUMPTION WITH REGARDS TO MARKETABIUTY AND NOT VAWE THAT IS MADE IS THAT THE SUBJECT PROPERTY IS CLEANED OUT OF PERSONAL PROPERTY.IT�S NOT BELIEVED THAT A VALUE ISSUE IS CREATED BY THE CLUTTER,BUT A MARKETABILITY ONE THAT IMPEADS ------�----. . .---------�------ ----- -- MARKETING TIME AT THE GIVEN VALUE.IF A SHORTER MARKETING TIME IS DESIRED A LOWER VAWE CAN BE ASSIGNED.THE VALUE IS � -----------�----- ---'----------- -- ------- BASED ON SURRENT MARKET TIMES. --- - -- ...---- _.-- .....___.. .._. ---.._----�---- BASEMENT ROOMS BELOW GR.4DE ARE ABBREVIATED AS"rr"REC ROOM 'br"bedroom "ba"BATHROOM AND"o"OTHER. ._.. -. ---� —�--._.____.---__-. __..._--__-..--------------- - CAMPARABLES#Z AND#3 ARE IN COMPETING AND SIMILAR MARKETS AND ARE_CONSIDERED GOOD_SALES FOR COMPARISON.__ _ Freddie Mac form 70 March 2005 Fannie Mae Form 1004 March 2005 form 1004.(AC)-"TOTAL"appraisal software by a la mode,inc.-1-800-ALAMODE Borrower � • — — --- - _.. �_ -- - -— Pro e Address - -- - —___ — --- P rtY 104 N 36TH ST �,__ � '' �---• -_.------ ...,-- - --- -.._--- �----- ------ ��Y CAMPHILL _____�_ County CUMBERLAND_____ State pq ZipCode 17011-2711 _ Lende�/Glient DEBRA MIHALAKI,EXECUTRIX. .....:.. . .. .. ...., .. ,�k,.� 1� .. ... . . . ., � ...:..�... ._ .. 3 .� �.. . c ,;,.. .,. .. ,. ' � Subject Front 1. " •��..:�� ,. ' . • . ;':��• '� 104 N 36TH ST ' � Sales Price c �' '� ->- R �,'.s. GLA 1,2te ,'� �.�w''"'��j""�y ;� < . Total Rooms s 1 � � ' ;i Total Bedrms 3 � �' '� �`�� TotalBathrms 1.0 i �'� �"°1�`�~5L ,, f a��- LoCatfon Suburban/AVE � �� '� �' � � � � ✓,y��;,d VIBW Residential/AVE ��= - Site 022 ACRE i �� U311ty BRICK-Al/AVE Age 51 i ,x i 4 �a i � .�`. � 11�'''�j a , t,. y , . � �� _ ��:{�r�, ��`�"° �i�: Subject Rear ��`�,� t �� ' § M'�� .Vf'i Y `f � '� ,y.:. � -. l ,� �� ,� r�. k u-. �p ��t t_ v,�`�— �s a �i ,'�-'��- �( ' S i/ � } '' 7 ��- � ,, s� ' � E 1ti �r; ,J: 4 riwj�� i �� _M� �� ,, � t I I `� � w :: � . _ � a^ � , ,�,s:, : � �I, F �� i ..,o$�,� a�'�w �'�:�, r �� .�i At FA �:�'F� , .�Mf y.�tY ��pr�,,,. �a q�...,# .> � S 3. .. -� }�., �+ �� r*�� :��t� ° W �.�w r. �. , . �6'� a�C+�: . ... .- . . y,++e� :,Jt".. "' � �� ,� �� .,�= �{` �".; Subject Street .t�`; r� �= � �,.: � r � �� , � •- s-�.} � �: �� h�y. �r?� �.4 g :. �Y .- � .. �� 5 * 1 - � 4.� � �' ��ic.+}.)Yt��9�a $n� m � �} ! 3 (-en 4 ! �,.�,. Form PIC4z6.SR•'TOTAL°appraisal software by a la mode,inc.-1-800-ALAMODE Borrower • ---=------------ ---------------- -- Property Address 104 N 36TH ST � � -----'------------------- ----------- ------- ��Y CAMP HILL • � �_. _____ _County CUMBERLANO____ _State pq Zip Code 17011-2711 Lender/Client DEBRA M�HALAKI EXECUTRIX � ...... ., _ .._ _._ ,......__._.._...,.,✓.....,.... ._...._......... .. ........__ _ _. �" Subject Interior 104 N 36TH ST � Sales Price '� �'� ,r° G.L.A. 1,218 ��` Tot.Rooms s �* 1� ToL Bedrms. 3 t� � ' � • . ? Tot.Bathrms. t.o i� ," , LOcation Suburban/AVE . View Residential/AVE � � � Site 022 ACRE : . M �,;:::,,� , �I1211ty BRICK-AUAVE � Age 51 � x � s S i f i' ° ':�, k_ � �k. , .: .�.,^s �a ,...�.,.,..,. m .,. � . ,.x�� ..., ..;:___...,. . � � -: �. . . . ..__.._..., _,...,.._..... . ....._.,.._ ._.......,.o.__......�..,. . � Subject Interior i � � f� �� ' � �,�'��: ' i k =��' - _ i �Z 7 i� �� -f g,: F 3 `:.�z' � F� ,'��a� i I ',� 3 a� �, , � ��., � � � i� � ; j�. ; , . ,- - �.: k }'. r/ ' E y' , r . '�� 3�A�-k ".i , � , .....__._._�,_._..,__...,____,.__. , ,.._... . .�,� ��a � �� : .,..:....._. ......,....,.5 . _.... _., . _ . i� i ar� � � �' � � d;�� h��, �s�,}`��.� Subject Interior ' � 'S��,'h k�'C.j SL � . �� -T'A 9j t�'ilii 4 �'�� ,.- � ��, �.�^:� ,�� . 4 x�- �� _ � � �,""� c� . i ��r.l.,�c:�: . � t �• A�5�c�� , ' f e f� `u'x('�KZi, . , �f Y �.�� f Z �y*�. 4g''$ L 5 . '�t' r4d'f r�,��"1t'�SF ��`° � " � �-� ��` d�F� . . �.'X. .� �.m S,5`m d�";A4� �t+(t �� i .t � A t a t - .�;.�'�..S ..... ' .'. ,;d��.. >. ... _. .. ,, ... .�^� r� Form PIC4X6.SI-"TOTAL"appraisal sottware by a la mode,inc.-1-800-ALpMODE Borrower — ----------- - ._-- __ ___. ___ Property Address 104 N 36TH ST _____—_ --_. --------- _ _- --- ----------- City ____CAMPHILL County CUMBERLAND______ __._._State PA ZipCode 17011-2711 Lender/Client DEBRA MIHALAKI,EXECUTRIX i�._.._.._._ ..... . . ....._�_.,. . .,__.,..�_. _.,..._ _.. ._. ,. _....,._, Subject Interior 104 N 36TH ST i Sales Price i G.L.A. 1,21 B `�. ,s�-'', :-, Tot Rooms 6 I Tot.Bedrms. 3 • .r,�r ' Tat.Bathrms. to .�;;� ',�,,'. . � � ��I, �' ` . LOC2tlOfl S�burban/AVE :i�e I .,� � �,'�' VIeW Residential/AVE �•3�" 4� �� SItB 022ACRE � �„, � Quality BRICK-AL/AVE ^� ry� t�.'� 'u i �.�� i "� yx n' Age 51 9• L ' ..�„Y��n 7� -'�l.� �.. 4 ` � � �� r: �-. . i W �.�, ., - :.7�." „ ; � � � ` � - �� , �. � _�".�• �' 3r.-d � , � ti.,.., - . , � ' � �� ...,......... . ... ....-.. .__ _ .. ._.._ ........ . ,._._.... ,. ,.._._.. .............. ..._ ..._...., Subject Interior � , ........ :,.... ..�:. ...:... q� � .�". - �v�� Y ;�� . �fry't.g,i ��> � Na ,� � �i.'. . C7 k,:y� , �iv' " :%� J � F sln... S` k '{n� } �.K' �i5I S,� � � _ .,� 3�.'u� 1I+I d1 �g �*7 ':. . � '�� ' � ��'.�. al � k:;; f�� ' 4 � � rt,n�y: o ..�, �fl�s � ��;� i � , f ' A �` i G � r � � � ''� t °? �, ";� ...__._..,�. �..._.�_, .�_.._... .� ._.�.�... ._._.._ .__,.., ..,_..,..... _�. Subject Interior � � �� g� � x � _ i t �'f r � - ��,s �`I 3 � . . . . � . '.��,+. +f y -. , .Y��::: F� � � ��,y,':{qf r`� � d2:! V 1. 1 I� �e �':� � �`� r" _ � �I :'��4 �,� ' I' � ^ � 1 i�II � � , � � 7��.' '., � �,�, � � � �... f`Y4kN1: :I�� '' 3:.; s �� ^� ��w ; „»�a� � � �� ;`dry�a! a�...e,yb; . +,t w, �n.,<��. a . ,, � ... ...�: ,r3:`. a -'.^ni..'.... , .r '; , �..�: ...,. .� . �.... ...� .-. . .�.., . . .,..a,... i . .,..... ..�.- form PIG4X6.SI-"TOTAL"appraisal software by a la mode,inc.-7-800-ALAMODE Borrower _ _---------- ------------ Property Address 104 N 36TH ST ----- ------- -------------- — -- ��Y CAMP HILL Counry CUMBERLAND State PA Zip Cotle 17011-2711 Lentlef/Cllent DEBRAMIHALAKI,EXECUTRIX � ..., ......... ....,_,�. ! `�p�" Cr �,{ ; � r��';�.�,. Subject Interior , - �� ;w 104 N 36TH ST Sales Price 6.L.A. 1,218 � Tot.Rooms 6 � ,� Tot.Bedrms. 3 � Tot.Bathrms. 1.0 E LOc2flofl Suburban/AVE i Vlew Residential/AVE i Site 022 ACRE j �uality BRICK-AL/AVE � � I Age 51 � -`-� �(I � ;, . i �' , f'�4+,.rv�ti.�. � l �. Y t �r$.,,` +� i t 1 ,__.,.._.. ... ...................___.. , ... r . ...._._._...__ ..... ... '� .G"'s'Wl'�9E�""" .. .. ,��;! Subject Interior �,� 3. � � '� � ,j. �i � � i i i !I i ,�. � r � S , 6 � f ��'.l r�t �" .��`a..��: ( �r�i: � x r e I s " e&' ��.�.,.�_ ��: _ �: �. , ;. � '-'..�',��:' �.Mv;. rl .....,.....� .�� ....___..�.......,,._ �.�..�__.._.`.. .._._,_.._._, .�..�...�_..�...._.....�..._ .__. . ... ...... . ..... ......-_ . + Subject Interior < � �� '�; :� � � 1 t � � '� ; � � 4 � , 9( E� � k'�� E f ".� � :+.��: �u f - �. �n�� . . �� y�� f �. s �� 's �..__�............. � Form PIC4X6.SI-"TOTAL"appraisal sottware by a la mode,inc.-1-800-ALAMODE Borrower -----_____ — _. ._ ..------------- - Properry Address 104 N 36TH ST City CAMP HILL County CUMBERLAND State PA Zip Code 17011-2711 LendedClient DEBRAMIHALAKI,EXECUTRIX y,..,..:..: ,<,�_,. ..0... ,.,-_:.,� , _ �� _ ; *� � Comparable 1 � l� � 'f�y4f+ � 3501 HAWTHORNEDR , .. `'�-.., ��'`-�� Y t�;..�, �.. " ' ProXimity 0.09 MILES E ..� .'',� �� "."r: ��j �� Sale Price 158,500 xrh"�;;.�'�a^ � .; �.� ,,� GLA �,�sa ' :-'��r " : ':,' ,� '' fi:` Total Rooms 6 3.,,'�., ' ' ;t "� Total Bedrms 3 ��'`.M" Total Bathrms 2.0 '�'�� .t. � LoCation Suburban/AVE View ResidentiallAVE Site 0.19 ACRE �uality ALUM/STN/AVE Age 5a r i i ,,..o.,... .... . .. .,. ,..,... : .. . . . . . � . Comparable 2 i 6324 CHESTERFIELD LN ! ProximiTy 2.97 MILES W i Sale Price 155,D00 � . , '".��'., GLA 1,�9s ' Total Rooms 6 ' � '"'�T TotalBetlrms 3 i Total Bathrms to �� - Location Suburban/AVE �, ? View Residential/AVE � � Site 0.31 ACRE � �uality BRICK-VNL/AVE Rge a8 i i ` ; '�'' ; & 4y� � *�'�5,�e� 33� ,i . � �� ,�� NiK r'�,� �� g ,1� h a '�"' u *� ':. i Pcy��,�� t��r�tia � .. � �� t '� �1 Yj 1 S x �.. ��„et��'yaa�� S rj� ., t L� �,� y� ��4��1 r 4 �` R` ! �a . ' .� ..� u. a ` . �-.x �g.�, '�"s i �,.,�%��,m:_* s +s"y.rn ,.. .. .._ . _�.�.�': ,_... ._ ..`�,� '�'�+s�t�� ,? +a..a�'_ �-.:� .��+`,�:��'r� _ . . _._�......_...__...... .,..._ . .._..... .... ,. ��* „_ i - . . .. . .. �,-��' h �1 �'� ` *-�` Comparable 3 ' ,` 438 VIRGINIA RD - � . ._�' �� Praximity 1.54 MILES SW ��" + � � Sale Price 130,000 �` �'" GLA 1,109 :�, ;,; g Total Rooms 5 E Total Bedrms 3 ; ��,"� Total Bathrms to f -�'"_ Location SuburbaNAVE ; - �_�: � � �"` �` � `'- �� ' View Residential/AVE ;-"� -.F _�,�,`^ :• S .. __ _ Site 0.17 ACRE � -�.�� <`,�"�"� Qu211ty VINYUAVE "'"` Age 52 � � :a: p �.�n' E �+„ �,� . ;' '` - '. N .aF `�' a..F -� �. �' . .. ' .�: Form PIC4x6.CR-"TOTAL"appraisal software by a la mode,inc.-1-800-ALAMODE Borrower __ __. _—_ , PropeRy Address 1p4 N 36TH ST .____ ______.__.___ ___._.__— -- — — � City CAMP HILL ____ CounTy CUMBERLAND _____ _.__ _ State�PA Zip Code 17011-2711 Lender/Client DEBRA MIHALAKI,EXECUTRIX ,,.,. ...: . ,-...�r., ,....:;,,.,. _ . �i -` . Comparable 4 �k .� -- 108 N 36TH ST C� �-�� .`#� ~~�``"�< PfoxirtliTy 0.01 MILES NW E �. .. ' '��3 �� Sale Price 1a0,500 �� a�,�. , 6LA 1,218 t�'?`= �� Total Rooms 6 � r � k�"y;,;� „� � Total Betlrms 3 ,�� Total Bathrms t0 �r , LoCation Suburban/AVE , - - VieW Residential/AVE , Slte 02 ACRE 'i �uality BRICK-ALIAVE Age 5t i 1 . { I ` � � � Y,.. �' -VN.. ':. � y( N .,, ,.„ ,6. ;�"�'�r�,;,: ��._, ; '' . _ . , ' . ,. ,.,.,.. ..,.. _ : ,. . _; ComParable 5 � Praximity Sale Price j GLA ' Total Rooms � Total Bedrms Total Bathrms �' Location j �IBW $ItB �uality Age ,, : Comparable 6 Proximiry Sale Price GLA Total Rooms Total Bedrms Total Bathrms Location View Site Qualiry Age ......... . . . .,, ..,.._.,. , ��Form PIC4X6.CR-"TOTAL"appraisa � "' ---._..,� ..,. I software by a la mode inc.-1-800-ALAMODE Borrower --------_—.._--— Property Atldress 10a N 36TH ST ��Y CAMP HILL County CUMBERLAND State pA Zip Code 17011-2711 Lendef/Cllent DEBRA MIHALAKI EXECUTRIX ..�..-. .:.:_. _:.-.,,.� . .:.,.,. . , _ .. . ... .. .. . . ... . ,.. <.,. ...... . ., ,a ��, � I � �p. a la mode, mc „��c°.�� ;, a zz i n r arnxn . � �r>. 2 . 1 ., - . i � 1 � � �?.rz'�.. � �� ,.. �'i��, � '��R�r�, v� 4<FSarsLura ��22 $ ._.. . ��,,,,_y- Swnmerdale4��.�� ' �! � ; .... j.✓ � �`�4»¢-.`� �" t+i. � 4'� ,�, {� �' � o e� �� t4�G. /q�r�'-Y �� e�149 t �'z bV � , y o, . �a . '�z'' c .�t ,��w}�:k ?� z . -$5S �� 4j �� Q 2c ' �.:. �a;: 2 �;x u x�, H + b�r . ��. ,j, �. � � � " „ ��x�� r�-„� �� „n�, o,a � r�.,� '� ;, � c�ae�� . �1, �'�y��''�� Irn�ir..i�LnrcE )[+�(j P��fs� yiP112Yi�� Z � (� �...._ . 3 vaen:��unna:9nn� j '�a �,-,r � �:, ��r ; r �� 9na l t'?., r ' o t e ,rtC �, ~s r�s �,'' Cn+nrC:�rn�. -� 9 �P X.'i �. ij . �".��x�, �`f- - . . t�py+ i ��L ' '��2{ ��n_. . ��i; p`. 'Pr/-.. �� .�:F$ p,Rad3i'�Q ,.230 � �" d�:.,{`';��' !"+�� '� �� , — �� -��,_ a� '•5��or.l7r��v , _re={; iz: �! GoodHo�rvi>a - _ y, v `! va:� S �+ ... .. . y��/p . . . p � :6, 4'•5�� . � f� c ��'' COMPARABLE�No.4 f ' " r,� � r �� ° xas rd 35rn st. � ":�'�, ti�r�-��;rt1i� � �t'<,� !f�� `� � 0.01 miles NbV J` '.3a � ; C�� .. M� y . . Hely ��. ��s iri�E'• :. �' = �tS � s�i F��4 °E" �SHen. �� ^ �` -;f�"I �'�-0��t� � s�; . ,�`s��" �;; SUB]ECT : CarGs/PA, �, ' 104 N 36th St x i �'i V cC3j'Il� i COMPARARLE ND�8 , .,pv �. ,'.;, ..t�ira'S� e �, �`, 438 VIRGINIA RD. hM1acket5t r,�., -.;a i�'!�: -i I i; ��,s `.y�r 1.54 mile5 SW "'rt�n H�II �+ „�9 COMPARABLE No.1 i�¢�; r;�.., ��- u' � i . �501 HAN�THORI�E bR �� n;;,� �" c -.- 'z-�i'�Yerr736 .. . � r a � ,ar�: �Fxur„� . �s - fl:09 miles E : ti '��e .na ,dav�Ylksi�nt��.y �x ��.JGetF/sUu'A ._. . . i��{t vi�,�. ��nr.t1PJ€zik c . tt �C1k�'��k I ts,f7�F'I - _ .,d -i��-, �' - .��o°'e: f r� ,;� _y.�•�, , �� - , �Z i� ._Y?T �rli.::±l r 3i.',tlf ..a.��al=.i; � � , :., � . rt __:_ _ m _ �. :6dt . � a�'� � _ __, n` - r- GOMPARABI.�No,2 �� ,� '' , iap'j �� {'�`j 6324 GHEST�RFI[LD LiJ f"s"� j ' ,'md4} a . ' � 2.97 miles W .tt-%` - �, r�a� RassmoyneMar�or �� r��: � �;4Q�' ` s ' ; i � "� �.tant nn, u-t� '- ...,- `� � ...R?t`rS�� `�<<Y Ba I'- t 3 �V � t�� r � __Pe� _ � � 'nsy)van a CaN��- __ i.../,.� 1 � ke �- n�Y/��,a T ar,,y,�,r M 4 ��nnsylvan�a.P pke __- �� ! ry "3tF.].- . ... H n f� F�, / I �. Ca ��r�� . W�nd�g Hill "''.v.�, .- rs'.P� -r . . � .I 15� "'%,�v y re�a ,, i v_ o '•'+�d Srory r �/� � �� z , �_ ,ts t 'r; ., � �u. SG�� . s t��€-- `q "�? � �t�,D ... .y . ��R�' bsl .. /�;� J' , �vy'o r r! . . J ri i.ia-... `c a gd t5' "�a��r � ''k Lis6um � lmiles r �„.� Botamansdale �a _ .. : bI!"lc��`�'� , _ .y�:Y. , .^ ... . ... ��..��:.�_�.n ��..1� ''. ...��r'.J.J�-.�w�I�C�I J J 1"_"f_� ,. . .... . ... . .... ............ . ..-:�� . �:..,,.;..�:.-:,� Form MAP.LOC-"TOTAL"appraisal soitware by a la mode,inc.-1-800-ALAMODE _....... .� ........... .. ..�., ., Borrower - ----- -- --- _ ____ _ _ _ __- ----____- --- ---_ - _------ Property Address �p4 N 36TH ST_ � - ---- -. ...__----_. _._..._----------____--�------ ��Y __ CAMP HILL ___ .. County CUMBERLAND State pq Zip Code 17011-2711 _-_. . __.__ .. . .-----�---..----T------------.—.__.-- Lender/Client DEBRA MIHALAKI,EXECUTRIX MEASUREMENTS WERE TAKEN FROM THE EXTERIOR AS THE DEFINITION OF GLA DESCRIBES.INTERIOR PARTIONS ARE FOR ILLUSTRATIVE PURPOSES ONLY AND ARE NOT EXACT. 12' � a2' a2' . Kitchen Rath gedroom � Dining wet bar ' � 1 ��I�i TII I �'' .: a 'i��I�.ii�-L„ � � Family Carpor[ Living Utility �. Bedroom Storage Bedroom Open Por[h 42' .' 19' Form SKT.BLDSKI-"TOTAL"appraisal software by a la mode,inc.-t-800-ALAMODE Borrower ------ ___ Properfy Address 104 N 36TH ST _ .__,_____ „___. _ ________ -- --- ---... ._.__.. ___ .__. � City CAMP HILI Counly CUMBERLAND State PA Zip Code 17011-2711 ____ — ------- —__--- ---... ____ _._----�----- LendeqClient DEBRA MIHALAKI,EXECUTRIX �, — ------------ -----.. _____ _ —_ ____ ---- --,.__..— �_:— --_. ;LiVing Area�� Calculation Details�. :First FIoOr 1218 Sq ft 42 x 29= 1218�' ��7otal Living Area(Rounded): 1218 Sq ft _ -Non�-livingArea�� . � � . � . `Open Porch 95 Sq ft � 5 x 19 = 95; ;1 Car CarpoR 408 Sq R 12 x 34= 408' �'Basement 1218 Sq ft 92 x 29= 1218`. Form SKT.BLDSKI-"TOTAL"appraisal sottware by a la mode,inc.-1-800-ALAMODE 2013082 Borrower ---- --- _ __.__- _ --- ----- Property Address 104 N 36TH ST_______ _— —_— _ ..___— _ - --- —- City CAMP HILL ______County CUMBERLAND___________ State pA__ZiP Code 17011=2711 Lender/Client DEBRA MIHALAKI,EXECUTRIX This Mufti-Purpose Supplemental Addendum for Federally Related Transactions was designetl to provide the appraiser with a convenient way to comply with the current appraisal standards and requirements of the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of Currency (OCC), the Office of Thrift Supervision (OTS), the Resolution Trust Corporation (RTC), and the Federal Reserve. This Multi-Purpose Supplemental Addendum is tor use with any appraisal. Only those sections and statements�which have heen marked by the appraiser appiy to the property being appraised. �I PURPOSE, INTENDED USE &INTENDED USER(S) OF APPRAISAL i The purpose of the appraisal is to esiimale the market value as de(ined herein,or I — - - ___-- ♦Intended use of the appraisal repod: ASSET EVALUATION _ ___ _- __.__ - � Intended user(s)of the appraisal repoR(by name or type): THE CLIENT/THE ESTATE OF_CHARLOTTE THOMAS/ATTORNEY DUStN BRATIC____ �_!This is a federally related transaction. � EXTENT OF APPRAISAL PROGESS �The appraisal is based on Ihe information gathered by the appraiser from public records,other identitied sources,inspection of the subject propedy and neighborhood,and selection ol comparable sales wRhin the subject market area.The original source of the comparables is shown in the Data Source section of the market grid along with the source of confirmation,if available. The original source is presented first. The sources and data are consideretl reliable. When conflicting information was provided,the source deemed most reliable has been used. Data believed to be unreliable was not included in the report nor used as a basis�or the value conclusion. •The ReproducUon/Replacement Cost is based an: MARSHAL AND SWIFT COST HANDBOOK ,supplemenied by the appraiser's knowledge of the local market. • Physical depreciation is based on the estimated effective age of the subject properry. Functional and/or e�Aemal tlepreciation,ii preseM,is spec'rfically adtlressed in the appraisal repod or other addenda. In estimating the site value,the appraiser has relied on personal knowledge of the local markeL This knowiedge is based on prior and/or current analysis oi site sales and/or abstraction of site values irom sales oi improved propedies. •The subject property is located in an area of primarily owner-occupied single tamity residences and the Income Approach is not considered to be applicable. Por this reason,the Income Approach was not used. � �The Estimated Market Rent and Gmss Rent Multiplier utilized in the Income Approach are based on the appraiser's knowledge of the subject market area. The renfal knowledge is based on prior anNor current rental rate surveys of residentiai pmpeRies. The Gross Rent Multipiier is based on prior and/or wrrent analysis of prices and market rates for residential pmpedies. �For income producing pmperties,actual rents,vacancies antl expenses have been reported and analyzed. They have been used to project future rents, vacancies and expenses. � � �� FEMA FLOOD HAZARD DATA �j Flood map is attached •Subject property is not located in a fEMA Special Flood Hazard Area. �.�Subject properry is IQcatC�in a FEMA Special Flood Hazard Area. Zone FEMA Map/Panel N �Map Date i Name ot Community X 42041CO277E I 3/16/2009 �HAMPDEN TOWNSHIP � �The community does not pa�icioate in the Na6onal Flood Insurance Program. ' �The communiry does paRicioate in the National Flood Insurance Program. � �It is covered by a reaular program. �_�It is covered by an ememencv program. Analysis/Comments: � CURRENT SALES CONTRACT •The subject properry is current(y not under contract. _�The contract and/or escrow inshuctions were not available for review. The unavailability af the contract is explained later in ihe addenda section. . The contract and/or escrow instrucUons were reviewed.The tollowing summarizes the contract: Contracl Date Amendment Date I Con�ract Price �Seller j Owner of Rewrd I � � I CHARLOTTE THOMAS ESTATE � �The contract indicated that personal property was not included in the sale. �.�The contract indicated that personal properry was included. It consisted of _ ---- - - --- Estimated contribuiory value is$ ______ _______ _---------------------.—_.. _ _ __ --- � �Personai property was not included in the final value estimate. �_!Personal propedy was included in the final value estimate. The contract indicated no financing concessions or other incentives. � �The contract indicated the followinq concessions or incentives: --- -------------- - --- — ---------- ---------- ___._----- If concessions or incentives exist,the comparables were checked for similar concessions and appropriate adjustments were made,if applicable,so that the final value conctusion is in compliance with the Market Value defined herein. Analysis/Comments: Page 1 ot 3 Form MPA4-^TOTAL"appraisai sottware by a la motle,inc.-1-800-ALAMODE �I MARKET OVERVIEW Includeanexplanationofcurrentmarketconditionsandirends. � 45 DAYS___ is considered a reasonable exposure time for the subject pmperty at a value range of$ 120,000 to$ 180,000 Analysis/Comments: �2 MONTHS is estimatetl to be the marketing time for the subject pmpeAy. .Analysis/Comments: LOOKING FORWARD,THIS APPEARS TO BE WHAT ONE CAN EXPECT IN THE SHORT TERM PROVIDED THE --- ----__... ..-----------�------- ----------- SUPPLY IS NOT DRAMATICALLY INCREASED NOR RATES GO UP � � Marketing Fadors: � SUBJECT PROPERTY OPFERING INFORMATION According to CENTRAL PENN MLS _ the subject property: ---_i_-� __ _i 1 year - __ _ _ _ . _ ------ •has not been offered tor sale in the past �,30 days Ix! 3 years. �_�is curren y oftered tor sale for$ !_)was ofleretl for sale wfthin the past ❑30 days ['�1 year '__� 3 years for$ �_�Ofiering intormalion was cansidered in Ne final reconciliation of value. �_�Offerinq information was not cansidered in the final reconciliation ot value. �_�Offering iniormation�vas not available. The reasons for unavailabiliry and the steps taken 6y the appraiser are ezplained later in this addendum. Analysis/Comments: � SALE/TRANSFER HISTORY$ANALYSIS OF SUBJECT PROPERTY According to the tollowing data source(s): CUMBERLAND COUNTY TAX_RECORDS AND THE CENTRAL PENN MLS --- — _ _--------- ---------- _----- ,the subject property: ___ ----- -- ------- • Has not transferred U in the past one year. r_; in the past three years. X� in the past five years. �_�Has Vansferred ❑ in the past one yeac �� in the past three years. i. I in the past five years. _-All prior sales or transfers occurring in the past _5 years _ prior to the Effective Da[e of Appraisal are listed below. Date of Sale/Transter Price ot Sale/Transfer Seller Buyer Data Source(sj Effective Date of Data Sources _ ___ TAXRECORDS/CPML 11l01/2013 Subjeci Sale/Transter History Analysis/Comments: �I SALE/TRANSPER HISTORY 8�ANALYSIS OF COMPARABLE SALES According to the following data source(s): CENTRAL PENN MLS AND THE CUMBERIAND COUNTY TAX RECORDS____________ -- --- - ----- -_..._.__...----.. _-- --------- ----- --- -�---- ' all prior sales or transters occurring in the past _�¢ar__ prior to ihe most recent date of sale or trans�er are listed below. PRIOR SALFJTRANSFER# COMPARABLE# COMPARABLE# COMPARABLE# Date of Sale or Transfer Price ot Sale or Transfer -- ----- - ----- - --- - ----- --- ___. - -- ------ - -- ------_ Seller ____- --- - --. --- -- -- ----------- -------- --- Buyer -------- .__ __---_ - --- -- -------- _ __- --- - _--_ __ ------------------- Data Source(s) Ettedive Date of Data Source(s) ____------ __._.__ ----- - -------__ . ------ PRIOR SALF/TRANSFER# COMPARABLE# COMPARABLE# COMPARABIE# Date of Sale or Transfer - --- -------_____ -_. . _ — --- - ---- -- ----- Price ot Sale or Transier - -- ----- -- __ _ ..-- Seller _ _ _ _ -------.. ---- ---- --- _ _ __-- _ _ —__ --- _- Buyer -- --- --- --- - - - ---------- __ __- _ Data Source(s) _ _ _--_ -----_._.__..__----- - ----------- __ _ - - --- - ----_ _- --------_ ---- Eftective Date of Data Source(s) Compara6les Sale/Transier History Analysis/Comments: Page 2 of 3 Form MPA4-"TOTAL"appraisal soihvare by a la mode,inc.-1-800-ALAMODE 6C ADDITIONAL CERTIFICATIONS The Appreiser certifies and agrees that: (1) The analyses,opinions and conclusions were developed,antl this report was prepared,in conformity with ihe Uniform Standards of Professional Appraisal Practice ("USPAP"). (2) Their compensation is not contingent upon the reporting of predetermined value or direction in value that favors the cause of the cllent,the amount of the value estimate,the attainment ot a stipulated resWt,or the occurrence of a subsequeni event. (3) This appraisal assignment was not based on a requested minimum valuation,a specific valuation,or the approval of a loan. � ENVIRONMENTAL LIMITING CONDITIONS The appraiser's opinion of value is based on the assumption that the properry is not negatively atiecied by the existence of hazartlous substances or detrimental environmental conditions unless otherwise stated in ihis repoR. The appraiser is not an expert in the itlentification ot hazardous substances or detrimental environmental conditions.The appraiser's routine inspection ot and inquiries about the subject property did not develop any information that intlicated any apparent significant hazartlous substances or tletrimental environmental condftions which would attect the property negatively unless othenvise statetl in this report. It is possible that tests and inspections made by a qualified hazartlous substance and environmental expert would reveal the existence ot hazardous substances or detrimental environmental conditions on or around the property that woultl negatively affect its value. � HIGHEST 8c BEST USE ANALYSIS Analysis/Comments: � �� As Vacant: •As Improved: � EFFECTIVE DATE OF APPRAISAL (itnotcurrent,seecomments). This appraisal report reflects the iollowing value: �I Current ❑ ReUospective �] Prospective Efleclive Date of the Appraisal: 11/08/2013 Comments on the Eflective Date �I ADDITIONAL COMMENTS PHOTOS ARE DIGITAL AND HAVE NOT BEEN ALTERED EXCEPT FOR BRIGHTNESS AND CONTRAST FOR CLARITY.SIGNATURES ARE DIGITAL AND ARE MAINTIANED ACCORDING TO USPAP STANDARDS. �I APPRAISER'S SIGNATURE&LICENSE/CERTIFICATION ��, i/ `� �`k�` � � Appraiser's Signature Inspection Date 11l08/2013 Signed Date ��/�2/2013 --------�� - ------- Appraiser's Name DONALD R.STEELE Phone# 717 7913533 ----- ------ ----------- - State PA ❑License or �I Certification# RL003222L Exp.06/30/2015 Tau ID# ❑Appraiser is cer�fied under the(ollowing CE program(s). ❑ CO-SIGNING APPRAISER'S CERTIPICATION �_��The co-signing appraiser has erp sonallyinspected the subject pmperty,both inside and out,and has made an exterior inspeciion of all comparable sales listed in the report. The repod was prepared by the appraiser under direct supervision ot the co-signing appraisec The co-signing appraiser accepts responsibility for the contents of the tepod induding the value conclusions and the limiting cond'Rions.and confirms that the certifications apply fully to the co-signing appraiser. � �The co-signing appraiser has notQersonally insoectetl the interior of the subject properry and: ��.�has no jpgpected the exterior of the subject properry and all comparable sales listed in the report. � !has inspected the eMerior of ihe subject property and all comparable sales listed in the repoR. _�The repod was prepar=d by?h°appraiser under direct supervisicn of the co-signing appraiser. The co-signing appraiser accepis responsibili[y for U�e contents of the repod,including the value conclusions and the limiting conditions,and confirms that the cer6fications apply tully to the co-signing appraiser with the exception of the ce�ification regarding physical inspections. The above describes the level oi inspection per�ormed by the co-signing appraiser. �_?The co-signing appraiser's level ot inspection,involvement in the appraisal pmcess and cedification are covered elsewhere in the addenda section ot this appraisal. ❑ CO-SIGNING APPRAISER'S SIGNATURE& LICENSE/CER4IFICATION Co-Signing Appraiser's Signature ____._____ ____ Inspection Date ____ _ Signed Date __ Co-Signing Appraiser's Name Phone# ------- ------- - _ ---- ------- State ❑License or ❑Certitication# Exp.____ Tax ID# — --------- — — ❑Co-Signing Appraiser is certified under the iollowing CE pmgram(s): Page 3 of 3 Form MPA4-"10TAL"appraisal software by a la mode,inc.-1-800-ALAMODE ,:..�,.v..,w.,� �:w,., ..:,..,,, .....� 7„ �._,. . , , , �..,.,.: ��_ �' � i 1 i i ��'4 I ��1f I ' i �Par� �* . . . . . . . .. ��3 `1 � n�(. 2�F;'l � � _ � � � Cornmon��ealtl� af'Penusti�l�-ania � '` �'� � llepartment nP St�te �; ;�� I3ureau of P�of�essional`and Occ�upati�inal�rlftaii-s � ��' � � Pt:)I3os 2G�9 lfarr�shur�Y.��1770�-2(��9 � � �: ��. � . . . . . M�: . . . . . .. .....� � q, � � Certificvte'f��pe � � � Certifieate St�tus ` w=. . a �-.��' Certified Residential Appraiser Active r j� � f h, �- Initial Ce�•tificatio�i Datc �. � 03JU2/9998 '�` DONALD R STEELE Certiticate � '�, 22 S MARKET STREET \umber r MECHANIC58URGPA 17055 ,, ^, `� RL003222L C�spiration Date �" j 0 613 012 01 5 ° '; � _ �,' /,� � �, � r� --�---- /' _1"" �' — �a, " ..`a'"--�--�--- �-- — :: y� - .,a!nrr . . � :' ,�'., ��A�� ('nom .i-rcr ni I r ii,.ioual„ j c�ecuPau ial'�liaiq .. � _ _ _ . � �'�; L , - � . p .�,.. , . : � ��2dh4}.��'iI �� Form SCA-"TOTAL"appraisal sof�ware by a la mode,inc.-1-800-ALAMODE