HomeMy WebLinkAbout10-29-14 (3) EX(02-11)(F 1) 1505611185
REV-15010 OFFICIAL USE ONLY
PA Department of Revenue County Code Year File Number
Bureau of Individual Taxes
PO BOX 280601 INHERITANCE TAX RETURN 21 14 ??5
Harrisburg,PA 17128-0601 RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY
08082014 03201923
Decedent's Last Name Suffix Decedents First Name M I
GILSON JOHN I
(if Applicable)Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix Spouse's First Name M
Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE BOXES BELOW
NO1. Original Return ❑ 2. Supplemental Return 3. Remainder Return(Date of Death
Prior to 12-13-82)
E-1 4. Limited Estate ❑ 4a. Future Interest Compromise(date of E-1 5. Federal Estate Tax Return Required
death after 12-12-82)
rx-� 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.) r-1..1)
❑ 9. Litigation Proceeds Received ❑ 10. Spousal Poverty Credit(Date of Death E-1 11. ElectioI53b Tax under 91 tppu
Between 12-31-91 and 1-1-95) (Attach 2--C—h-29ule 0) rn 1717
CORRESPONDENT THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATIbQHOULD 19-11IREC�16 (TbD :
--i 4=1
Name Daytime TelepbBnmufter Cn ;:0
U X,. . rV
r-
VICKY ANN TRIMMER 71?-62(Y=- E41M CID
Co
REGIStEk oF,WILLS US-ETbNLY-
C
ri
First Line of Address
C)
PERSUN & HEIM, PC
Second Line of Address
PO BOX 659
City or Post Office State ZIP Code DATE FILED
MECHANICSBURG PA 170550659
Correspondent's e-mail address: VATRIMMER@PERSUNHEIM- COM
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.
SIGNATUWD"ERSON RESPONSIBLE FOR FILING RETURN DATE
'\-
ADDRESS
11 W WINDING HILL ROAD MECHANICSBURG, PA 17055
SIGNAIYR017 PRE ER 0 THAN REPRESENTATIVE DATE
ADDRESS
-PO BOX 659 MECHANICSBURG, PA 17055-0659
PLEASE USE ORIGINAL FORM ONLY
Side I
1505611185 OM4647 1000 1505611185
1505611285
REV-1500 EX(FI)
Decedent's Social Security Number
Decedent's Name: G I L S 0 N JOHN 1
RECAPITULATION
1. Real Estate(Schedule A) . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 286,000-00
2. Stocks and Bonds(Schedule B). . . . . . . . . . . . . . . . . . . . . . . . . 2. 40,126-00
3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C). . . . . 3. 0 .00
4. Mortgages and Notes Receivable(Schedule D) . . . . . . . . . . . . . . . . . 4. 0 .00
5. Cash,Bank Deposits and Miscellaneous Personal Property(Schedule E) . . . . . 5. 351431-00
6. Jointly Owned Property(Schedule F) F-1 Separate Billing Requested . . . . 6. 0.00
7. Inter-Vivol Transfers&Miscellaneous Non-Probate Property
(Schedule G) El Separate Billing Requested . . . . 7. 0.00
8. Total Gross Assets(total Lines 1 through 7) . . . . . . . . . . . . . . . . . . 8. 361i55?.00
9. Funeral Expenses and Administrative Costs(Schedule H). . . . . . . . . . . . . 9. 13,455-00
10. Debts of Decedent,Mortgage Liabilities,and Liens(Schedule 1) . . . . . . . . . 10. 1081431-00
11. Total Deductions(total Lines 9 and 10), . . . . . . . . . . . . . . . . . . . . 11. 121,886-00
12. Net Value of Estate(Line 8 minus Line 11) . . . . . . . . . . . . . . . . . . . 12. 239,6?1- 00
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which
an election to tax has not been made(Schedule J). . . . . . . . . . . . . . . . 13. 0.00
14. Net Value Subject to Tax(Line 12 minus Line 13) . . . . . . . . . . . . . . . 14. 239-1671 -00
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 0 0.00 15. 0.00
16. Amount of Line 14 taxable
at lineal rate X.0-4-5 2391671.00 16. 10,785.00
17. Amount of Line 14 taxable
at sibling rate X.12 0.00 17. 0 . 00
18, Amount of Line 14 taxable
at collateral rate X.15 0 . 00 18. 0 . 00
19. TAX DUE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19. 10,765-00
r-71
20. FILL IN THE BOX IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT
Side 2
1505611285 1505611285
OM4648 3.000
REV-1500 EX(FI) Page 3 File Number
Decedent's Complete Address: 21 14 775
DECEDENTS NAME
GILSON JOHN
STREET ADDRESS
1.1 -IiIEST WINDING HTLL ROAD
CUMBERLAND
CITY STATE ZIP
IMECHANICSBURG PA 17055
Tax Payments and Credits:
1. Tax Due(Page 2,Line 19) (1) 10,785-00
2. Credits/Payments
A.Prior Payments 0 .00
B. Discount 539.00
Total Credits A+B (2) 539-00
3. Interest
(3) a-0-0-
4. If Line 2 is greater than Line 1 +Line 3,enter the difference.This is the OVERPAYMENT.
Fill In box 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) 101246-00
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 . . . . . . . . . . . . . . . . . . . . . . . . El Y
b. retain the right to designate who shall use the property transferred or its income . . . . . . . . . . I❑I F X]
c. retain a reversionary interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . El [i]
d. receive the promise for life of either payments,benefits or care? . . . . . . . . . . . . . . . . . . El M
2. If death occurred after Dec. 12, 1982,did decedent transfer property within one year of death
without receiving adequate consideration? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . El F_X�
3. Did decedent own an"in trust for'or payable-upon-death bank account or security at his or her death? ❑
4. Did decedent own an individual retirement account,annuity,or other non-probate property,which
contains a beneficiary designation? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0 F❑K
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)(1)).
For dates of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent
[72 P.S.§9116 (a)(1.1)(ii)].The statute does not exempt a transfer to a surviving spouse from tax,and the statutory requirements for disclosure of assets and
filing a tax return are still applicable even if the surviving spouse is the only beneficiary.
For dates of death on or after July 1,2000:
• The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent, an
adoptive parent or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1.2)).
• 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)].
• The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent 172 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.
OM4671 ZOO
REv.1502EX,t12.12i SCHEDULE A
Pennsylvania
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN REAL ESTATE
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
John I. Gilson 21 14 775
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 DESCRIPTION OF DEATH
1. 11 West Winding Hill Road, tipper Allen Township,
Cumberland County 286,000
See attached appraisal
TOTAL (Also enter on Line 1,Recapitulation.) $ 286,000
2w4696 2.000 If more space is needed,use additional sheets of paper of the same size.
REV-1 W3 EX+(&12)
pennsylvania SCHEDULE B
DEPARTMENT OF REVENUE STOCKS BONDS
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
John I. Gilson 21 14 775
All property jointly owned with right of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1. McDonald's Corporation - 12 Shares @93.88/sh 1,127
2 PNC Financial Services Group - 476.467949 shares @
$81.85/sh 38,999
TOTAL (Also enter on Line 2,Recapitulation) $ 40,126
2w4696 2.000 If more space is needed,insert additional sheets of the same size
I
REV-I507EX+(04-13)
pennsylvania SCHEDULE D
DEPARTMENTOF REVENUE MORTGAGES& NOTES
INHERITANCE TAX RETURN RECEIVABLE
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
John 1. Gilson 2114 775
All property jointly owned with right of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
None
TOTAL(Also enter on Line 4,Recapitulation) $ 0
2W46AC 2.000 (If more space is needed,insert additional sheets of the same size.)
REV-I508EX-(08-12)
Pennsylvania SCHEDULE
DEPARTWW OF REVENUE CASH, BANK DEPOSITS&MISC.
NHERTANCE TAX RMRN
1w,
"SIDEWDECEDEW PERSONAL PROPERTY
ESTATE OF: FILE NUMBER:
John 1. Gilson 21 14 775
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. PNC Checking #5070091406 8,230
2 2014 XIA Sedona 24,201
3 Personal Property 3,000
TOTAL(Also enter on line 5,Recapitulation) $ 35,431
2W46AO 2.000 If more space Is needed,use additional sheets of paper of the same size.
PZ-1509 EX+(01-10)
pennsytvania SCHEDULE F
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN JOINTLY-OWNED PROPERTY
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
John I. Gilson 21 14 775
B an asset became jointly owned within one year of the decedent's date of death,it must be reported on Schedule G
SURVUM JONTTENANT(S)NAME(S) ADDRESS RELATIONSHPTO DECEDENT
JOINTLY OWNED PROPERTY:
fT�tut LETTER DATE DESCRIPTION OF PROPERTY
%OF DATE OF DEATH
FOR JOINT NADE INCLUDE NAME OF FINANCIAL INSTITUTION ANDGANK ACCOUNT NUA9ER OR SIMILAR DATE OF DEATH DECEDENTS VALUE OF
NUMEIER TENANT JOINT IDENTIFYNONUkeER.ATTACK DEED FOR JOINTLY HELD REAL ESTATE. VALUE OF ASSET MEREST DECEDEIcsINTEREST
None
TOTAL (Also enter on Line 6,Recapitulation) $ Q
9w46AE 2.000 If more space is needed,use additional sheets of paper of the same size.
REV-1510EX+(0"9)
pennsylvania SCHEDULE G
MPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND
INHERITANCE TAX RETURN MISC.NON-PROBATE PROPERTY
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
John I. Gilson 21 14 775
This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes.
DESCRIPTION OF PROPERTY
ITEM 'W-LLM TtE NAME OF TW TRANSFEREE,TWIR RELATIONSHIP TO OECEDENT AND DATE OF DEATH %OF DECDS EXCLUSION TAXABLE
NUMBS — THE DATE OF TRANSFER ATTACH A COPY OF THE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST IF APPLICABLE) VALUE
1 None
TOTAL(Also enter on line 7,Recapitulation)$ 0
If more space is needed,use additional sheets of paper of the same size.
9W46AF 2.000
REV-1511 EX-(08-13) SCHEDULE H
pennsylvania
DEPARTMENT OF REVENUE FUNERAL EXPENSES AND
INHMTANCE TAX RETURN ADMINISTRATIVE COSTS
RESIOENT OECEDENT
ESTATE OF FILE NUMBER
John I. Gilson 21 14775
Decedent's debts must be reported on Schedule I.
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
1. Myers-Burig Funeral Rome 3,959
B. ADMINISTRATIVE COSTS:
1 Personal Representative Commissions:
Name(s)of Personal Representative(s)
Street Address
City State ZIP
Year(s)Commission Paid:
2. Attorney Fees: 5,000
3. Family Exemption:(if decedent's address is not the same as claimant's,attach explanation.) 3,500
Claimant Pamela L. Kelley
Street Address 11 West Winding Hill Road
City Mechanicsburg State PA ZIP 17055
Relationship of Claimant to Decedent DAUGHTER
4. Probate Fees: 461
5. Accountant Fees:
6. Tax Return Preparer Fees:
7.
1 Brett Lechthaler - Appraisal 350
2 Cumberland County ROW 10
3 Cumberland County Law Journal 75
Total from continuation schedules . . . . . . . . . 100
TOTAL(Also enter on Line 9,Recapitulation) $ 13,455
3W46AG 2.000 If more space is needed,use additional sheets of paper of the same size.
Estate of: John I. Gilson 21 14 775
Schedule H Part 7 {Page 2}
4 ComputerShare - lost certificate fees 100
Total (Carry forward to main schedule) 100 .
REV-1512EX+(12-12)
pennsylvania SCHEDULE
DEPARTWENT OF REVENUE DEBTS OF DECEDENT,
INHERITANCE TAX RETURN MORTGAGE LIABILITIES & LIENS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
John I. Gilson 21 14 M
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
Checks which had not cleared PNC 5,267
2 West Shore EMS 75
3 Kia Finance - car loan 15,915
4 PNC Rome Equity Line of Credit 77,574
5 Holy Spirit Hospital 59
6 PNC Visa 9,541
TOTAL(Also enter on Line 10,Recapitulation) $ 108,431
2W46AH 2.000 If more space is needed,insert additional sheets of the same size.
REV-1513 EX+(01-10)
pennsylvania SCHEDULE J
DEPARTtAENTOF REVENUE BENEFICIARIES
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
John 1, Gilson 21 14 775
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, Pamela L. Kelley
11 West Winding Hill Road
Mechanicsburg, PA 17055
All of Residue: 239,671 Daughter 239,671
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET,AS APPROPRIATE.
11 NON-TAXABLE DISTRIBUTIONS
A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN:
B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS:
1
TOTAL OF PART 11-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $ 0
9W46AI 2.000 If more space is needed,use additional sheets of paper of the same size.
LAST WILL AND TESTAMENT
I, JOHN I. GILSON, of the Township of Upper Allen, County of Cumberland
and Commonwealth of Pennsylvania, being of sound and disposing mind, memory
and understanding, do make, publish and declare this as and for my Last Will and
Testament, hereby revoking and making void all former wills and codicils by me at
any time heretofore made.
FIRST. I'order and direct that all my just debts and funeral expenses be paid
by my Executrix or my Executor,.as the case may be, hereinafter named, as soon
as conveniently may be done after my decease.
SECOND. The contents of my home include certain items of furniture,
furnishings, artwork, antiques, books, silver, china and other household contents
that are the property of my daughter, PAMELA L. KELLEY, and which are being
kept in my home for storage and safekeeping purposes only, all as more
particularly identified on an inventory that I have placed with this, my Last Will and
Testament. I direct my Executrix or my Executor, as the case may be, hereinafter
.named., to_permit_my daughter.to..remove._h.et._s.a.id property from my home as soon
as practicable after my decease.
THIRD. 1 give and bequeath my automobiles and personal effects and such
household goods, furniture and furnishings as may be my individual property and
LAW OFFICES not the property of my wife, JESSIE S. GILSON, or owned jointly by me with her,
4ARLIN R. McCALEB
---- -- di lu�Tjlritlq LaiOT e - n -cas or ,
together with any existing insurance thereon, unto my wife, JESSIE S. GILSON, if
she survives me. Provided, however, that if my wife shall predecease me or fail to
survive me, then I give and bequeath such tangible personalty and insurance
thereon unto my daughter, PAMELA L. KELLEY, if she survives me.
FOURTH. I give, devise and bequeath all the rest, residue and remainder of
my estate, real, personal and mixed, whatsoever and wheresoever situate, unto my
wife, JESSIE S. GILSON, absolutely and in fee simple, if she survives me.
FIFTH. If my wife, JESSIE S. GILSON, shall predecease me or fail to survive
me, then I give, devise and bequeath all the rest, residue and remainder of my
estate, real, personal and mixed, whatsoever and wheresoever situate, unto my
daughter, PAMELA L. KELLEY, absolutely and in fee simple, if she survives me,
but if my said daughter shall predecease me leaving lawful issue to survive me,
then I order and direct that the share provided above for her shall be paid over and
distributed unto unto her said lawful issue, per stirpes, said issue to take the
ancestor's share by representation and not per capita.
LASTLY. I nominate, constitute and appoint my wife, JESSIE S. GILSON,
Executrix of this, my Last Will and Testament, but if for any reason she shall fail to
qualify as such Executrix or cease so to serve, then I nominate, constitute and
appoint my daughter, PAMELA L. KELLEY, to serve in her place and stead, but if
for any reason she shall fail to qualify as such Executrix or cease so to serve, then
I nominate, constitute and appoint her husband, STEPHEN D. KELLEY, Executor,
LAW OFFICES
IARLIN R. McCALEB
-2-
jurisdiction.
IN WITNESS WHEREOF, I, JOHN I. GILSON, have set my hand and seal to
this, my Last Will and Testament which consists of three (3) typewritten pages to
each of which I have affixed my signature this day of
r f1�& ,
'�+ _ , A.D., Two Thousand Eight (2008).
. (SEAL)
The preceding instrument, consisting of this and two (2) other type-written
pages, each identified by the signature of the Testator, was on the date thereof
signed, sealed, published and declared by JOHN I. GILSON, the Testator therein
named, as and for his Last Will and Testament, in the presence of us, who, at his
request, in his presence, and in the presence of each other, have subscribed our
names as witnesses hereto.
` c
LAW OFFICES
MARLIN R. McCALEB
-3-
Min File No.14 ii a 1
APPRAISAL OF.REAL PROPERTY
LOCATED AT:
11 W Winding Hill Rd
Deed Book N19 Page 308
Mechariicsburg,PA 17055
FOR:
Estate of John I Gilson
11 W Winding Hill Rd
" AS OF:
08/05/2014
BY:
Brett Lechthaler,PA State Cert Gen Appr
Appraisal Solutions
16 San Juan Drive
Mechanicsburg,PA 17055
1
J
I
1
Farm GA6—WmTOTAU appraisal software by a la mode,inc.—1-800-ALAMODE
i l 01 IIn e#3
SUMMARY OF SALIENT FEATURES
Subject Address 11 W Winding Hill Rd
r
Legal Descdption Deed Book N19 Page 308
City Mechanicsburg
County Cumberland
State PA
Zip Code 17055
Census Tract 0116.02
Map Reference Metro:2847/A-11
Sale Price $NA
Date of Sale NA
Bonower/Client NA
Lender Estate of John I Gilson
Size(Square Feet) 4,053
Price per Square Foot $
Location Average
Age 52 Years
Condition Average
Total Rooms 10
Bedrooms 4
Baths 2.3
Appraiser Brett Lechthaler,PA State Cert Gen Appr
Date of Appraised Value 08/05/2014
Anal Estimate of Value $286,000
Form SSD—WmTOTAV appraisal sollware by a la mode,inc.—1-800-ALAMODE
Appraisal Solutions(717}697-1828 Main Pie No. 4 iison Paae#al
Uniform Residential Appraisal Report file#14 Gilson
The this summa !sal is to itle the lender/client with an accurate,and ad uale s led, inion of the market value of the sub'ct
Pro Addreses s 11 W Wind! Hill Rd .C' Mechanirsbu
ro
Borrower NA Owner of Public Record Gilson John I&Jessie S Coun Cumberland State PA p Code 17055
aiDescl 'on Deed Book
197P-g,308
Assessor's Paroal# 42-26-0241-028 Tax Year 2014
N'hborhood Name U er Allen Townshi Rk•Taxes$ 6,127
Ma Reference MI Census Ti
occupant Owner Tenant Vacant S
Rights cialAsses l'I None PUD HOA$ r'ear rmonth
Pro sed fee Sim le Leasehold 11 Other describe
Ansi nment lype LjPurchase Transaction L I Refinance Transaction 1Z Otherdescribe MarketValue
mer/Oli8n Estate of John i Gilson Address 11 W Windin Hili Rd
Is the subject curren :neige!for sale or has it been offered for sale in the twelve months to the effective date of this isal?
R l data souroe s used off ' lCe 5 and date 5. Per the local MLS the subject has not been fisted within the past 12 months,E]Yes No
I ❑did ❑did not anayle the contract for sale for the subject purchase transaction.Explain the results of the analysis d the ccebact for sale or why the analysis was not
ormed. NA
Contract Price$ NA Date of Contract NA Is the pmperly seller the owner of Public record? Yas No Daly Sources NA
IS there any financial assistance poan charges,safe concessions,gM or downpayment assistance,etc.)to be paid by any party on Behan of the borrower?
It Ves,re rt the total dollar amount and describe the nems to be NA ❑Yes ❑No
Note:Race and the radal composition of the net hborhood are not appraisal tactors
N hborhoodCharaetertslica One-lhtitNoualn Tronds One-lktnypta P eA
Built-U er 5%
Locafion Urban Suburban Rural Vanes increasin Stable Declinin PRiCE AGE One Unit gp%
Ov725.75% Under 25% Demand/Su Shola a InBaknce QverSu $
Growth R 'd Stable Slow Marketin Time Under 3 mths 3 6 mitis Over 6 mths 25 Low 0u Unit
2%
N'hbothaod Boundales Rt 944-north 01d York Rd-east Rt 114-south and Rt 174-west. The sub'ect 1,400 Hillh 225 Commercial 4%
exceeds redominant values due to size but will not affect marketability.
Nei hbah 06 Descri ' The175 Pied. 40 Other 3%
houses of Worship. Em sent stabifs access to all od and with na15-30 minute drive. The!other"uding schools,
rcena a undark resent ort tion represents
ns and
roads rks etc...
Mallet Conditions lincluding,sup for the above conclusions Mort a e funds are read; available from a variety of sources with conventional loans bein
4.00%to 5.0%,interest faced 30 year mon a e u to 3 points.Sellers are not re uired to offer, sales qr finR2L1n2concessions however Seiler
assistance is occurri
Dimensions 182.3 x 350 x 186.5 x 274 Area f.32 ac Sh Recta tier Yew Ggod
S eCHI Zonlo Classlucagon R-1 Zonin Desc ' Low Densit Residential
Zonkt Can once ai al Noncorlormin ndfathered Use No Zonis 111 al describe
Is the hl hast and best use of sub'ant as' roved for as preposed per plans am SPOICU"1011SI the Present use? Yes No ft No describe
Utilities Public Other describe Public other describe
Elactric' Off-sitelm rovements-T Public Private
Water Well Street Macadam
Gas None Sanita Sewer Ade
FEMA S lo!Rood Hazard Area Yes No PTMA Flood Zone X FEMA M # 42041 CO278E
Are the uU;ties and on-site improvemants Wal for the market area? Yon No n No descrr� FEMA Ma Date 03/16/2009
Are there an adverse one conditions ar extemai factors easements encroachments,environmental conditions,land uses,atc.? Yes No n Yes,describe
A title search has not been completed and is considered outside the sco a of this report.
General Descirilition Foundation ExtedorOestYtar
on matertais/condition tntert
Units One One with Access Unit Concrete Slab Crawl S ce Wundalion WagstrretgrfaFs/oorrdftfon
#of Stoles' 2 Wil Basement Partial Baseman! Exterio Wa115 Concrete Blgck(Av Floes Ga et Tiin StntA
T Dat Aft. S-DeUEnd Unit Basement Area Alum Stone/A Wads Plaster D IVA
bmn d 2 552 .n.Root Sulace Shi leJA Trim/Fmish Wood/A
Under Const.Basement Finish 30 %Gutters&Downs s Aluminum/A Bath floor
va
Desi n 5 Contem re Outside En !Exit Sump Pum WindowT TilelA
Year Built 1962 MixedlA Bath Wainscot Tile/Avo
Evidence of IrlestaUon Storm SashAnsulated NA Gar Stora a None
Effective Age rs 35 Dampness Settlement Screens
Attic Nona Hearin FWA HWBB Radiant Amenities Woodslove NA Driveway #of Cars 10
Dro s # SurfaceStair Stairs Other BBD Wet Electric Fire lace s # 3 Fence s hair
Floor Sculne Coodn Central Air Conditlonin e #of Cars 2
Ll Finished Heated Individual Patio/Deck Patio Porch C #of Cars
Other Pool Other GreenHse An. M Det. Built-in
!lances®R 'orator Ran a/Oven ®Dishwasher MI'Disposai M Mbrawne Washer/D r Other describe
Finishad area above grade contains. 10 Rooms 4 Bedrooms 2.3 Bath(s)
. Additional features(special energyefficient nems etc.. A onion of the basement has been finished into a den and off a The re3 Square Feet of mainder of the basement
is used for la areas and stora e. The anached reenhouse is in fair condition and of minimal value.
DesClbe the condition of the mctudm neededrepars,deteneralion I Mintatrons remodeling,etc.l., The subject is in dated-avers a condition. The
subject will re uire u dati and renovations to be----;-;—;n the market. The construction quality is nood for acte but has numerous functional
obsolescence factors. Based on maintenance and condition the estimated a e is below the actual age Physical de reciation is due to age.The
detached 2 car are a has a workshoparea. The three fire laces have not been used reoen . The fire laces am considered to be minimal
value influenci due to robable chimne re lin! rn uirements.
Are there an s Cal defrcieraI Of adverse conditions that affect the frvabT soundness,or structurat integrity of the Dre ?
This
report Is not a h ome.inspection. N the client has a concern then 1 stronglY recommend the etlem::Mact an expert In the riM
environmental and/or home ins :tion field.
Does the' ene corlorm to the ne'hbahootl iundmnal uti' a condition use construction etc.?
The ro conforms to the surround! ne' hborhood. Yes No ONO,describe
Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2065
Form 1004—9NinTOTAI'appraisal software by a la mode,inc.—i-800•ALAMODE
Mn file No.1 - il
Uniform Residential Appraisal Report File#14-Gilson
There are NA comparable properties cu offered for see in the subject neighborhood ranging in price from$ NA to$ NA
There are NAcan rable sales in the subect neighborhood'hborhood within the twelve months ranging in sale price from$ NA to$ NA
tTATURE SUBJECT COMPARABLE SALE#1 COMPARABLE SAIF#2 COMPARABLE SAIF#3
Address 11 W Winding Hill Rd 707 S Broad St 2815 Fairview Rd 501 S Broad St
Mechanicsbu PA 17055 Mechanicsburg,PA 17055 Camp Hill PA 17011 Mechanicsburg,PA 17055
Proximity to Subject 1.31 miles NW 5.49 miles NE 1.49 miles NW
Sale Price $ N $ 222,000 $ 229,900 -- $ 310,000
Sale PdcatGross Liv.Area $ _.fl.$ 69.29 5.11.1 76.33 s.ff.I. $ 109.66 .ft
Data Sources Multi-Listing Service Muhi-Listi Service Mulfi-Listinq Service
Verification Sources Tax Records Tax Records Tax Records
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION +• $Adjustment DESCRIPTION I +- $Ad'stment DESCRIPTION +- $Adjustment
Sales or Financing Conventional Conventional Conventional
Concessions Costs-12,000 -12,0 Costs-9.561 -9.561 Costs-1,600 _11,500
Date of Saleffime 11/113 218 DOM 03/13 9 DOM 03/14 8 DOM
Location Avera a Average Superior -10,00 Average
Leasehold/fee Sime Fee Simple Fee Simple Fee Simple Fee Sim le
Site 1.32 ac 0.30 ac +10.200 1.25 ac +700Vua
+9.500
View Good Good Good
Duesin n S Contemporary ColoniaVinferior +30.0 Cape Cod
QualityoT Construction Good Equal Equal,Actual A e 52 Years 53 Years 57 Years COndition Avera a Avera a inferior +20 000 -40 000
Move Grade Total 8drms. Baths Total 8drms. 8aths Total Brims. Balbs
Roan Count 101 4 1 2.3 9 1 5 131 -2,000 8 4 3.0 +3.000 7 3 2.1 +4,000
Gross Living Area 4,053 s.fL 3,204 s.fL +16,9 3.012 sqA +20,820 2,827 s.tt +24.520
Basement 8 Finished 2,552 Sq.Ft. Equivalent Equivalent Equivalent
Rooms Below Grade Office Den Unfinished +3,000 Den +2.00 Rec Rm Den
Functiohal iffility Averacre Average Avera a Averacre
Heat' ocin BBD/CA HtWtr/CA FWA/CA BB HtWtr/CA
*
Energy Efficient Items Average Equivalent Equivalent Equivalent
Garage/CGarage/CwTort 2 Car Garage 2 Car Garage 2 Car Gara e 2 Car Garage
POrchlPatio/Deck Porch Patio EncPorch Patio -2.00 Porch Patio Porch Patio
* Other 3FPs Gmhouse FP Fnce Outbid 0 2 FP Fence +2,00 FP Awn Fnc Irr 0
• Net Adjustment + - $ 44.18 + - $ 28 959 + $ -3,480
Adjusted Sale Price Nei Adj. 19.9% Net Adj. 12.6% JNetAdj. 1.1%1
ori C ragsI Gross Ad'. 34.3%$ 266180 Gross Ad'. 29.6%$ 258,8591 Gross Ad'. 25,7%1$ 306.520
I did did not research the sate or transfer blistory of the subject property and comparable sales.ti not,explaM
114 research 0 did 0 did not reveal any prior sales Or transfers of the subject for the threw rs to the effective date of this raisal.
Data Sources Tax Records
My research F1 did 0 did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sate of the comparable sate.
Data Source(s) Tax Records
Report the results of the research and ane is of the prior sale or transfer h oryofibe subject and con retie sales re additional sales on e 3).
ITEM SUBJECT COMPARABLE SALE#1 1 COMPARABLE SALE#2 COMPARABLE SAIF#3
Date of Prig Sale/Transter
Price of Prior Sale/Transter
Data Sources Tax Records Tax Records Tax Records Tax Records
Effective Data of Data Sources 08129/2014 08/29/20114 08/29/2014 08/29/2014
AnaVis M pnor sale or transfer history of the subject property and compbie sales The subject has not transferred within the past three The
e
comparable sales have not transferred more than once within the past year. The effective date of the data is the date information was reviewed on
the tax assessment ontine.
Summary of Sales Comparison Approach See comments on additional comparables 4-6 page.
Indicated Value by Sales Comparison Approach$ 286,000
Indicated Value by:Sales Comparison Approach$ 286,000 Cost Approach it developed)$ Income Approach develo $
Due to the lack of rental data the Income Approach is not appropriate. The Cost Approach is not considered valid due to the actual and effective
*
ages. Greatest weight is given to the Sales Comparison Approach as it reflects the typical actions of buyers and sellers in the marketplace.
This appraisal is made ®•as iS, ❑ subject to completion per pians and specifications on the basis of a hypothetical cond'it'ion that the improvements have been
completed, ❑subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed,or❑subject to the
•
following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair. See Statement of Unniting
Conditions and raisers Certification. This report is retrospective as of date of death.
Based on a complete visual insppection of the Interior and exterior areas of the subject property,defined scope of work,statement of assumptions and limiting
conditions,and appralser's certification,my(our)opinion of the market value,as defined,of fhe real property that Is the subject of this report is
$ 286,000 as of 08/0512014 which Is the data of inspection and the effective date of this appraisal.
Freddie Mac Form 70 March 2005 Page 2 of 6 Fannie Mae Form 1004 March 2005
Form 1004—VmTOTAI!appraisal software by a la mode,Inc.—1.800-ALAMODE
Main Hie No.1 - ii n #6
Uniform Residential Appraisal Report Rte#14-Gilson
Description of the Appraisal Process/Scope of Work
The appraisal process is intended to"describe the extent of the process of collecting,confirming.and reporting data." In order to prepare an
appraisal report on the subject property,the follows steps were involved:
The subject site and neighborhood were personally inspected by the appraiser. The inspection considered the various local economic indicators
with respect to their potential impact on the subject site. The strep the and weaknesses of the general economy were weilthed as they affect the
value of the subject.
All relevant facts related to the subject were collected and verged including but not limited to zoni utilities land and building area restrictions
encumbrances easements environmental factors and other items of a similar nature deemed applicable:
No building laps were available. The buildi s uare foots a was derived from actual measurement and the exists assessment records in order
to determinesquare footage,
A highest and best use analysis was completed.
The Cost Sales Comparison,and Income Approaches to value were considered and the Sales Comparison Approach was used in the valuation of
the subject orooerty.
Data was collected during this process from various sources. This information is believed to be reliable and verification of sales data included
reliance on county deed records and/or third-party confirmations. The appraiser has no reason to suspect inaccuracies in any information provided
and the analysis and conclusions are based on the reliability of this information.
The appraiser is not an expert In identifying mold mildew,toad base paint nor asbestos. If the client has a concernthen I Strongly
recommend the client contact an expert in the environmental and/or home Inspection field(s).
If an estimated value or sales price was included either on the appraisal request form or verbally from another party involved in the transaction the
value provided had no influence on my final estimate of value.
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 precedingacceptance of this assignment.
I viewed the comparables from satellite images that allowed me tc rotate the full radius of each comparable and see and adjoining uses that may
influence value. I also viewed the interior and exterior images of the comparables from the Central Penn MLS. I have driven by the comparables in
the past but did not drive by each comparable for this assignment.
I agree to develop all the applicable approaches to value deemed necessary to produce a creditable fair market value in accordance with Uniform
Standards of Professional Appraisal Practice USPAP and Title Xt of the Financial institutions Reform Recove and Enforcement Act of 1989
FIRREA. This report was prepared in accordance with each of the aforementioned regulations,
COST APPROACH TO VALUE eat aired Y Fannie Alae
Pmvloe adequate information for the lender/ciienl to replicate the below cost figures and calculations.
SupW for the o0nion of site value(summary of comparable land sales or other methods for eslimating sfte value NA
ESTIMATED REPRODUCTION OR Ej REPLACEMENT COST NEW OPIMON OF SiTE VALUE................._—............... _$
Source of cost data DWELLING 4,053 Sq,R.@$ _$
Ouaft rating from cost service Effective date of cost data 2,552 S%Ft.e$ . _$
Comments on Cost ch(gross living area calculations,depreciatim,etc. _$
The Cost Approach is not considered a valid indicator of value due to the Garage/Ca"-- 792 ScITI.@$ _$
actual and effective ages of the subject. Total Estimate of Cost-New _$
Less Physical lFunctional Extemal
Depreciation 1 1 =$
Depreciated Cost of Improvements .....:..----_.._.-•-----......_....._--_--_$
'AsV Value of Site Im ements ......_............................__............_$
Estimated Remaining Economic Life HUD and VA or 25 Years INDICATED VALUE EY COST APPROACH..__.........._._.............._.._=$
INCOME APPROACHTOVALUE(not r uimd hrmleAtae
Estimated Montltly Market Rent$ NA X Cross Rent WOW NA =$ Indicated Value by Income Approach
Summary of Income Approach(including support for market rent and GRM
PROJECT INFORMATION FOR PUDs(114010*
Is the der /builder in control of the Homeowners'Association(HOA)? El Yes El No Unit s Detached El Attached
Pmvida the followina information for PUDs ONLY If the deve /builder is in control of the HGA and the sub'et preperly is an attached dwelling unit
Leal Name of Project
Total number of phases Total number of units Total number of units sold
Total number of units rented Total number of units for sale Data source(s)
Was the projKt created by the conversion of existing building(s) do a PUD? D Yes 0 No U Yes,date of conversion.
Does the pmject cadain any multrdvreft'n units? Yes M No Data Source
Are the units cornrnon elements,and recreation facilities c e? Yes El No If No describe the status of completion.
Are the common elements leased to or by the Homewners'Association? El Yes El No U Yes describe the rental terns and o ' s.
Describe common elements and recreational facilities.
Freddie Mac Form 70 March 2005 Page 3 of 6 Fannie Mae Form 1004 March 2005
Form 1004—•W'mTOTAI'appraisal software by a to mode,Inc.—1-8OO-ALAMOOE
[Maig File No.14-Gilsoni Pace#7
Uniform Residential Appraisal Report File#14-Gilson
This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit;
including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a
manufactured home or a unit in a condominium or cooperative project.
This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,
statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended
use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may
expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal
assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do
not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's
continuing education or membership in an appraisal organization, are permitted.
SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the
reporting requirements of this appraisal report form, including the following definition of market value, statement of
assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual
inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the
comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources,
and (5) report his or her analysis, opinions, and conclusions in this appraisal report.
INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the
subject of this appraisal for a mortgage finance transaction.
INTENDED USER: The intended user of this appraisal report is the lender/client.
DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open
market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming
the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and
the passing of title from seller to buyer under conditions whereby: (1) buyer and seller 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) 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 parry institutional
lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical
dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's
reaction to the financing or concessions based on the appraiser's judgment.
STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is
subject to the following assumptions and limiting conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title
to it, except for information that he or she became aware of during the research involved in performing this appraisal. The
appraiser assumes that the title is good and marketable and will not render any opinions about the title.
2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements.
The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination
of its size.
3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency
(or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an
identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or
implied, regarding this determination.
4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question,
unless specific arrangements to do so have been made beforehand, or as otherwise required by law.
5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the
presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or
she became aware of during the research involved in performing 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 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.
Freddie Mac Form 70 March 2005 Page 4 of 6 Fannie Mae Form 1004 March 2005
Form 1004—WinTOTAL'appraisal software by a la mode,Inc.—1-80D-ALAMODE
Wain File .1 itn Pa a#8
Uniform Residential Appraisal Report File#14-Gilson
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 adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in
place at the time this appraisal report was prepared.
4. 1 developed my opinion of the market value of the real property that is the subject of this report based on the sales
comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach
for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop
them, unless otherwise indicated in this report.
5. 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.
6. 1 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. 1 selected and used comparable sales that are locationally,physically,and functionally the most similar to the subject property.
8. 1 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. 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,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. 1 obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from
reliable sources that I believe to be true and correct.
14. 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 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, I have named such individual(s) and disclosed the specific tasks performed in this
appraisal report. I 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.
Freddie Mac Form 70 March 2005 Page 5 of 6 Fannie Mae Form 1004 March 2005
Form 1004—WinTOTAV appraisal software by a la mode,ine.—1-800-AIAMODE
` Main File No.14-011soni Pacie#9
Uniform Residential Appraisal Report File#14-Gilson
21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the
borrower, the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other
secondary market participants; data collection or reporting services; professional appraisal organizations; any department,
agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to
obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal
report may be disclosed or distributed to any other party(including,but not limited to,the public through advertising, public
relations, news, sales, or other media).
22. 1 am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain
laws and regulations. Further, 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 applicable federal and/or state laws(excluding audio and video recordings), or a facsimile transmission of this
appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and
valid as if a paper version of this appraisal report were delivered containing my original hand written signature.
25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or
criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States
Code, Section 1001, et seq., or similar state laws.
SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that:
1. 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 appraiser's 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 appraiser's certification.
3. The appraiser identified'in this 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 SUPERVISORY APPRAISER(ONLY IF REQUIRED)
Signatu Signature
Name Brett Lech haler. State Cert Gen Appr Name
Company Name Appraisal Solutions Company Name
Company Address 16 San Juan Drive,Mechanicsburg,PA 17055 Company Address
Telephone Number 717-697-1828 Telephone Number
Email Address blechthaterecomcast.net Email Address
Date of Signature and Report 09/09/2014 Date of Signature
Effective Date of Appraisal 08/05/2014 State Certification#
State Certification# GA003594 or State License#
or State License# State
or Other(describe) State# Expiration Date of Certification or License
State PA
Expiration Date of Certification or License 6/30/2015 SUBJECT PROPERTY
ADDRESS OF PROPERTY APPRAISED ❑ Did not inspect subject property
11 W Winding Hill Rd ❑ Did inspect exterior of subject property from street
Mechanicsburg,PA 17055 Date of Inspection
APPRAISED VALUE OF SUBJECT PROPERTY$ 286.000 ❑ Did inspect interior and exterior of subject property
LENDER/CLIENT Date of Inspection
Name COMPARABLE SALES
Company Name Estate of John I Gilson
Company Address 11 W Winding Hill Rd ❑ Did not inspect exterior of comparable sales from street
❑ 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—'WinTOTAV appraisal software by a k mode,inc.—1-800-ALAMODE
MainI :1 Ikon P 1
Uniform Residential Appraisal Report File#14-Gilson
FEATURE SUBJECT COMPARABLE SALE#4 COMPARABLE SALE#5 COMPARABLE SALE#6
Address 11 W Winding Hill Rd 848 Arlington Rd 200 Lamp Post Ln 118 Parkview Rd
Mechanicsbur PA 17055 Camp Hill PA 17011 Camp Hill PA 17011 New Cumberland PA 17070
Pmhfty to Subject 5.36 miles NE 4.28 miles NE 6_.26 miles E
5 000
Sale Price $ NA $ 32 $ 285,000 $ 279,900
Sale Pdce/Gross Liv.Area $ .fL$ 95.42 s-ft- $ 91.32 s.fl.I- $ 89.17 S0.11.
Data Sources Multi-Listing Service Multi-Listino Service Multi-Listina Service
Verification Sources Tax Records Tax Records Tax Records
VAWE ADJUSTMENTS DESCRIPTION DESCRIPTION +- $Adjustment DESCRIPTION +- $Adjustment DESCRIPTION +- $Adjustment
Sales or Financing Conventional Conventional VA
Concessions Costs-12,958 -12.95 Costs-10 000 -10.000 Costs-8.397 -8,397
Date of Sale/Trine 06/13 103 DOM 05/13 25 DOM 05/13 22 DOM
Location Avera a Superior -10,000 Average Aveia e
LeasehoWFee Simple Fee Sim pie I Fee Simple Fee Simple Fee Simple
Site 1.32 ac 0.45 ac +8.700 0.56 acre +7.600.0.50 ac +8,200
Yew Good Good Creek -25 ODO Good
DB'n S Contemporary Split Level Colonial Colonial
Oual of Constmaion Good Equal Equal Equal
Actual Age 52 Years 39 Years 51 Years 52 Years
Condition Avera a Su rior -00,000 Avera a Avera e
• Above Grade Total Bdrms. Baths Total Bdrms Baths Total Bdrms Baths Total Bdmrs. Baths
Room Count 10 4 2.3 9 4 2.1 +4 000 9 5 3.0 +3 000 91 4 2.1 +4,000
Gross Uving Area 4,053 5.ft. 3.406 s.tL +12,940 3,121 s.ft. +18.64 3,139 sq.ft. +18,280
Basement&Finished 2,552 Sq.Ft. Partial +5,000 Equivalent Equivalent
Rooms Below Grade Office Den Unfinished +3.000 BR Bath 0 FR Rec Rm -4,000
Functional Utility Avera a Average Avera a Average
Heating/Cooling BBD/CA FWA/CA FWA/CA HP/CA
Energy Efficient Items Average Equivalent Equivalent Equivalent
Garage/CGarage/Carpod 2 Car Garage 2 Car Gara e 2 Car Garage 2 Car Garage
Porch/Patio/Deck Porch Patio 2 Porches Porch Deck Porch 2 Patios -2,000
Other 3FPs Gmhouse 2 Fireplaces +4.00 Fireplace +6,00 2 Fireplaces +4.000
Net Adjustment ala + $ -25,3`181 + $ 240 + $ 20,083
Adjusted Sale Price Net Adj. 7.8 % Net Adj. 0.1 % Net Adj. 7.2 %
of Com bles Gross Ad'. 31.0 %$ 299 682 Gross Ad'. 24.6 %$ 285 240 Gross Ad'. 17.5 %$ 299.983
Report the results of the research and ana is of the prior sale or transfer histoiy,ol the subject property and cont parable sales(report additional prior sates on page 3).
ITEM SUBJECT I COMPARABLE SALE#4 COMPARABLE SALE#5 COMPARABLE SALE#6
Date of Prior Sale/Transfer
Price of Prior Sale/Transfer
Data Sources Tax Records ITaxRecords Tax Records Tax Records
Effective Date of Data Sources 08/29/2014 08/29/2014 03/18/2014 06/18/2014
Analysis of prior sale or transfer history of the subject property and comparable sales These additional comparables have not transferred within theyear prior
to the sales above.
Analysis/Comments Sales of older structures with excess gross living area GLA similar to the subject were very limited. I was notable to identify
any similar sales that bracket the subject's GLA. The six comparables displayed are considered to be the best indicators of value. andi the
search radius for oom arables to a distance greater than one mile produced sales located in similar competing areas in the subject's immediate
market area. Adjustments were applied toreresent market reactions to differences between the subject and comparables. Sales that exceeded
a six month transfer from the subject's appraisal effective date were used due to minimal market change and limited comparables. Sales 2 and 4
superior location due to being in a desirable municipality. Site size difference adjustments reflect greatest value in the homesite with residual land
at a lesser value. Sale 1 inferior design due to lacking the sub'ect's architectural detail. No age difference adjustments applied as all properties are
considered equivalent in effective ages. The varying degrees of condition adjustments reflect updates and maintenance or lack thereof in
comparison to the subject. The square footage difference adjustments reflect economies of scale. The comparable sales exceed recommended
square footage difference guidelines but were the only identified similar comparables. All comparables were weighted and considered individually
based on their respective similarities and net/gross adjustment percentages. The ad'usted range of comparable values is$258,859 to$306,520.
Removing the high and low values for statistical analysis provides a tighter range of$266,180 to$299,983. Numerous line/net/gross difference
adjustments exceeded recommended guidelines but were considered neccessary to provide an opinion of the sub'ect's value.
Freddie Mac Form 70 March 2005 Fannie Mae Fenn 1004 March 2005
Form 1004.(AC)—WinTOTAV appraisal software by a la mode,Inc.—1-800-ALAMODE
[Main FileNo. 4 Ilson 11
Supplemental Addendum Re No.14-Gilson
Borrower/Client NA
Properly Address 11 W Winding Hill Rd
City Mechanicsburg County Cumberland State PA ZiCode 17055
Lender Estate of John I Gilson
SPECIAL LIMITING CONDITIONS:
This appraisal is not a home inspection and the appraiser is not acting as a home
inspector when preparing the report. When performing the inspection of this property, the
appraiser visually observed areas that were readily accessible. The appraiser is not
required to disturb or move anything that obstructs access or visibility. The inspection is
not technically exhaustive. The inspection does not offer warranties or guarantees of any
kind.
SUPPLEMENTAL CERTIFICATIONS:
I certify that:
-This appraisal was prepared by Brett Lechthaler for the exclusive use of the
Estate of John I Gilson, client,to estimate market value in terms of cash or financing
similar to cash for estate valuation purposes. The information and opinions contained in
this appraisal set forth the appraiser's best judgement in light of the information available
at the time of the preparation of this report. Any use of this appraisal by any other person
or entity,or any reliance or decisions based on this appraisal are the sole responsibility
and at the sole risk of the third party. Mr. Lechthaler accepts no responsibility for
damages suffered by any third party, as a result of reliance on or decisions made or
actions taken based on this report.
-In my opinion the reasonable exposure time linked to the value opinion is up to
150 days.
- In my opinion the reasonable market time linked to the value opinion is up to 180
days.
I further certify that, to the best of my knowledge and belief:
-The statements of fact contained in this report are true and correct.
-The reported analyses, opinion, and conclusions are limited only by the reported
assumptions and limiting conditions, and are my personal, impartial,and unbiased
professional analyses, opinions, and conclusions.
-I have no present or prospective interest in the property that is the subject of this
report,and no personal interest with respect to the parties involved.
- I have no bias with respect to the property that is the subject of this report or to
the parties involved with this assignment.
-My engagement in this assignment was not contingent upon developing or
reporting predetermined results.
-My compensation for completing this assignment is not contingent upon the
development or reporting of a predetermined value or direction in value that favors the
cause of the client, the amount of the value opinion,the attainment of a stipulated result,
or the occurrence of a subsequent event directly related to the intended use of this
appraisal.
-My analyses, opinions, and conclusions were developed, and this report has been
prepared, in conformity with the Uniform Standards of Professional Appraisal Practice.
-Linda Lechthaler provided significant professional assistance by confirming and
entering data selected by the appraiser.
-Brett Lechthaler personally inspected the property and prepared this report.
Brett Lechthaler,
PA Certified General Appraiser
form TADD—WinTOTAV appraisal software by a la mode,inc.—1-800-ALAMODE
[Main Rleit
Location Map
Bonower/CBent NA
Address 11 W Winding Hill Rd
city Mechanicsburg County Cumberland State PA Zip Code 17055
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Pro Address 11 W Winding Hill Rd
CO Mechanicsburg County Cumberland State PA Zip Code 17055
Under Estate of John I Gilson
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BaseIneM 2552 5t1 ft 44 x S8=2552
Form SU B101—WinTOTAV appraisal software by a la mode,inc.—1.800-ALAMODE
Main File No. 1/I 5
Borrower/ClientSubject Photo Page
Property Address 11 W Winding Hill Rd
city Mechanicsburg COUnty Cumberland State PA ZipCode 17055
Lender Estate of John I Gilson
Subject Front
Sales Price NA
Gross LMng Area 4,053
Total Roorns 10
Total
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SRO 1.32 ac
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Subject Photo Page
Borrower/Client NA
Property Address 11 W Winding Hill Rd
city Mechanicsburg COUnty Cumberland State PA ZiCode 17055
Lender Estate of John I Gilson
Interior
} 11 W Winding Hill Rd
Sales Price NA
Gross Living Area 4,053
,} 7
Total Rooms 10
Total Bedrooms 4
Total Bathrooms 2.3
Location Average
" View Good
Site 1.32 ac
Ouafity Good
t" Age 52 Years
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Main I114-GllsoffEEEE
Subject Photo Page
BOMY Client NA
PropertyAddress 11WWindinqHiIIRd
city Mechanicsburci County Cumberland State PA Zip Code 17055
Lender Estate of John I Gilson
Interior
11 W Winding Hill Rd
Sates Price NA
?fl Gross Living Area 4,053
Total Rooms 10
Total Bedrooms 4
Total Bathrooms 2.3
Location Average
Yew Good
Site 1.32 ac
Ouafrty Good
Age 52 Years
T
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Form PIC3x5.SR—VinTOTAV appraisal software by a la mode,Inc.—1-800•ALAMODE
IMain
Comparable Photo Page
Borrower Cgeni NA
Property Address 11 W Winding Hill Rd
City Mechanicsburg County Cumberland State PA Zip Code 17055
Lender Estate of John I Gilson
Comparable 1
707 S Broad St
Prox.to Subject 1.31 miles NW
Sale Price 222,000
Gross Living Area 3,204
Total Rooms 9
Total Bedrooms 5
Total Bathrooms 3.1
Location Average
View Good
Site 0.30 ac
f Quality Equal
Age 53 Years
Comparable 2
2815 Fairview Rd
Prox.to Subject 5.49 miles NE
Sale Price 229,900
Gross Living Area 3,012
Total Rooms 8
Total Bedrooms 4
Total Bathrooms 3.0
Location Superior
View Good
Site 1.25 ac
OuaMy Equal
Age 57 Years
Comparable 3
501 S Broad St
Pant.to Subject 1.49 miles NW
5.k _•-` ;` r.r _ _ Sale Price 310,000
t ?,. Gross Living Area 2,827
Total Rooms 7
Total Bedrooms 3
Total Bathrooms 2.1
- Location Average
View Good
Site 0.37 ac
Quality Equal
Age 59 Years
Form PIC3x5.CR—WnTOTAL'appraisal software by a la mode,inc.—1-MALAMODE
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[Main File No.14-GilsoM-a—U-N
Comparable Photo Page
Borrower lent NA
Address 11 W Winding Hill Rd
City Mechanicsburg County Cumberland State PA Zip Code 17055
Lender Estate of John I Gilson
R• " Comparable 4
848 Arlington Rd
r orb Prox.to Subject 5.36 miles NE
Sales Price 325,000
Gross Living Area 3,406
�y Total Rooms 9
Total Bedrooms 4
Total Bathrooms 2.1
Location Superior
View Good
Site 0.45 ac
Quarry Equal
Age 39 Years
Comparable 5
200 Lamp Post Ln
Prox.to Subject 4.28 miles NE
1. Sales Price 285,000
Gross living Area 3,121
Total Rooms 9
Total Bedrooms 5
Total Bathrooms 3.0
Location Average
View Creek
- - i Site 0.56 acre
Ouaray Equal
Age 51 Years
Comparable 6
118 Parkview Rd
Prox.to Subject 6.26 miles E
Sales Price 279,900
Gross Living Area 3,139
Total Rooms 9
Total Bedrooms 4
Total Bathrooms 2.1
Location Average
View Good
Site 0.50 ac
Guarty Equal
Age 52 Years
Form PIC3x5.CR—WinTOTAI:appraisal software by a la mode,Inc.—1-BWALAMODE
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qu, 21, 2014: 2:411 ------f'NC Bank .. .. ... ;.....:-i :hj�. 1214 . .p 1i 2 .. ..... ... .
a
August 25,2014
Marlin R McCaleb
Attorney At Law
219 East Main Street
PO Box 230
Mechanicsburg,PA 17055
RB: John I Gilson
SSN:
DOD:08-05-2414
Dear Mr.McCaleb:
In response to your request for Date of Death(DOD)balances for the customer noted above,our
records shove the following:
Checking Account
Account#5070091406 Established: 08-21-1984
JESSIE S GILSON
JOHN I GILSON
DOD balance: $8,230.30+0.03 accrued interest
Interest paid 01-01-2014 thni 08-05-2..014$0.47 YTD
Loan Account
The decedent rnaints,ined Loan account#4003048111974468. For further information and
assistance,please contact 1-888-762-2265. This is a voice activated system._ Please state the word
"operator" and foll6w,the prompts to speak to a.Loan Financial Service Consultant.
Piease note that this office provides date of death balances for deposit accounts(IRAs,CUs,C"heeking and
Sa.vings). We do not process any 8naneial transactions or provide statements. If you teed as%stanc a with
= any of these items,please call 1-888-PNC-BANK(1-888-762-2265)or stop by your local P..A''C Bank branch
office.
Sincerely,
National F~=cial.Services Center
PNC Bank.N.A.
Member FDIC
Mage 1 of 2
Page 1 of 4
GPNCComputershare Trust Company,N.A.
The PNC Financial Services Group PO Box 43078
Providence,RI 02940-3078
Within USA,US territories&Canada 800 982 7652
Outside USA,US territories&Canada 312 360 5235
002943 www.computershare.com<nvestor
The PNC Financial Services Group,Inc.is
incorporated under the laws of the State of PA.
JOHN I GILSON
&JESSIE S GILSON JT TEN
11 WEST WINDING HILL ROAD Holder Account Number
MECHANICSBURG PA 17055-5173
C0000307769
Ticker Symbol PNC
CUSIP 6933475105
PLEASE READ THE IMPORTANT PRIVACY NOTICE AT BACK OF STATEMENT
€`f�e' IC �tnar;I `tal 5ei�ces Groep, n . I1� estmen# RONNE=
Summary of Account Holdings as of 05 Aug 2014
Opening Share/Unit Closing Price per Market Value as of
Type of Holding Balance as of Balance as of Share/Unit 05 Aug 2014
01 Jan 2014 Activity 05 Aug 2014 (USD) (USD)
Drip-Common Stock 146.396516 8.071433 156.467949 81.85 12,806.90
Common Stock 320.000000 0.000000 320.000000 81.85 26,192.00
Certificated Shares 320.000000 0.000000 320.000000 81.85 26,192.00
Total Holdings 466.396516 8.071433 476.467949 81.85 38,998.90
Dividend Reinvestment Activity
Dividend
Record Payment Class Shares/Units Gross Taxes Fees/Other Net
Description Reinvested
Date Date
Rate I I I Dividend I Withheld I Deducted I Dividend
(USD) (USD) (USD) (USD) Reinvested
15 Jul 2014 05 Aug 2014 0.480000 Common 473.700254 227.38 227.38
Year-to-Date Investment Plan Summary
Type of Activity Gross Amount
yp ty TaxeShares/Unitss/FeeslOther Net Amount
I (USD) I (USD) I (USD) I
Drip-Common Stock
Dividends 659.56 0.00 659.56 8.071433
For online services to assist you in taking an active role in managing your investment,visit our website at www.pnc.com/shareholderservices or
Computershare Investor Centre at www.computershare.com/pnc.
STAY ACTIVE! Keeping your account active helps to.prevent your assets from being turned over to state governments as abandoned property.Normal
activities such as cashing a check,updating your address or voting your proxy will keep your account active.Accessing your account online,using our
automated phone system,or speaking to a customer service representative may also keep your account active for purposes of state abandoned property laws.
251 U D R P N C +
01At1A_EN_01(Rev.3/14) TA 00 ICRA 12I.A.PNQI30457 R394/002943RR1S912
1
&mpntefshare
Computershare
PO Box 43078
® Providence,RI 02940-3078
Within USA,US territories 6 Canada 1-800-621-7825 .
--= Outside USA,US territories 6 Canada 1-312-360-5129
016602 TDD 1-312-588-4110
— 111111"�"'li'lll'1111'llli11rr111111r11r11111111111"'�IIIIIII www.computershare.coMmcdonalds
JOHN I GILSON
&JESSIE S GILSON JT TEN
11 W WINDING HILL RD Holder Account Number
MECHANICSBURG PA 17055 C0004152654 J N T
Record Date 02 Sep 2014
Check Number 0002386122
i SSNIFMI Certified Yes
001CS0005Donk-PO INCD.221609 71529/016602/016602/i
McDonald's Corporation- Dividend Payment -
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Dividend Confirmation
Payment Date Class Description Participating Dividend Gross Deduction Deduction Net
...... I p I Shares/Units Rate I Dividend(a) I Amount($) I Type ( Dividend($)
17 Mar 2014 COMMON 12 $0.81000 9.72 0.00 NIA 9.72
16 Jun 2014 COMMON 12 $0.81000 9.72 0.00 NIA •9.72
16 Sep 2014 COMMON 12 $0.81000 9.72 0.00 NIA 9.72
Year-To-Date Paid 29.16 0.00 29.16
C-
1 UDC MCD +
001CD70003/R OOHXDA-PP
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07%07/2014 07/07/2014 463.97 $67.656.63 64600 (DDWACH MENT TRMJS
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03/07/2014 03/07/2014 463.78 $68,423.64 61600 DOWACH PAYMENT Tr MSS
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t;ontrac3ty llieAmount:l'irianced'And PltaanCe 1Qhafgein fJ.8,fLftds according to the payment schedule below.We will ffgore y9yr fmance charge on
&daiq pisclosures below are part of this contrast
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PERCENTAGE CHARGE Financed Payments Price req choose who is aro i a to us You are not
HATE The dollar The amount of 'the amount The total cost of requiredto tins any other ichedwd to obtain credit.
you ft any insurance is cher:icad below, policies or
The cost of .arrfourit the credit provided will have paid after your purchase on certificates from the named Insurance companies will
your credit as , , credit will _ to you or you have made all credit,Including describe the terms,and CoM*04s. ,
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scheduled. it Check.the insurance you want and efgn.Moui
- • '- ? $ 2 } ' b Optional Credit insWrance
% d,�fes .7 $-!S S• i` $_ ! �• ; , - �i � -7-
?� Groot*—, QBier U GD-84or 'Q Both
Your Pa*ertt Schedide Will Be: El CreditAisaed•tavyar only) '
Number of Amount of When Payments RaemluRt: r ''� r� ' ,
ntents en Are nue Crt4dflt*$'-� ` _ Ki f, _ -
c_. Z. .Mg�uit�tf°bp9op�ng r rZVI Credit f�sabitNy s - _=r_ t'
Or As Follows: InsumneaCompany Name
Home Office Address
Lute Charge.It payment IS not.paid in full within to days after n is due, you Of pay a late charge.if the
vehicle is a heavy commercial motor vehicle,the charge will be 4% of the part of the payment that is late. Credit Life insurance and creello disaMity insurance are not
Otherwise,the charge will be 2%per month of the part of the payment that is late,figpred based on a full required to obtain crad-t Your decOon to buy or rat buy credt'
calendar month for any pact of a month that is more than tQ days. 16 ftmar>ce and credit dtsatir14 insurance will not be afactor
Prepayment If you pay off all-your debt early,you will not have to pay a penalty. in the eredd approval process.They will not be provided unless
Security Iriterest.You are goring a security interest in the vehicle beim purchased. You sign and agw to pay the adra cost.If you.choose this
Additional Intomurtlon: See this contract for more information in�udlryg information about nonpayment, ansuranoe,the cos(is.Mtown in Item 4A of ttfe itemization of
ol
default,any required repayment IrrfUll'betbre the•sdteduled date and security interest. 1 edli f fie rd a utnpaid pat
the Amouot Financed rl you de.This insurWW pep only the
i .. 71ON OFAMOUNT FINANCED - amount �dura d you paid ached'W �
Credit d�I' insttramce pays the scheduled due
t $ 7 �, urtdertlns comuact wtrle ycu are dts&ed.This insurance does
t Cash Prix(including$ , . -- satestax) $ (t) not cover any increase in your paymsrA or iii the Inurrd>er of
2• Totai'Downpayment= `r'f` 3 ` �i• Payments The pofitdes or cnrtifrcato$issued bythe,wmed
WL r s insurance wmganles furrier limit the that credt
_ z may de
�'�� ��'•���
Ile insurance or sredl dsab7ily insurance provides.See the
�? z�- _ policies OF certittcafes for owerdW iinrr'ts or other•terms and
Tirade-In_,-�_ -= — --- _--- ---- -T--
-Gross.TWO In Allowaili e «. t _ $ 1 13U ,(i r} 60l td l{orts.
Less Pay Off Made By Setter
t'E40als Net'Trade in- It at ', r. tq i ,r"is ,.. _ ri: ., _ .r Y°{• s
++oCathseh F-) f Xj
2_"
(ft total downpayment is rfegative,enter V- and see 4H below) $_ i y (g) �r, ' . . -e; ;•v- ^=ti.
3 Unl aid Balance-of Cash Priee(t nlinus2) $, 4 •(3} �:. 2 �:.7 rJ°,•
4 OftrChargesfndudbgkwui*-Parb.toOftiersonYourBeMO Other Optional lnsufanCe
(Serer may keep Bart of these amoUnts)t r __ Q UA (_ A
A Cost of Optional Credit Insurance PaWtoinsurance r Type of Insurance Term
Company or Compamles Premium$
tiFa Temp. K%1' n Description of Coverage4 177
_
Dlsebillllt-- - - Tanta -- - - -- - - --- --- -- ---- - --
B maropfiorset III mmrse Paidto Insurance Company or Companies insurance Company Nam
(Describe) . A11• tl J Terra —
( ) - <�►; _- ---Term__ - _ $ __ _ Horne Off m Address _ • r i
C Official RmPatdtoGovernment Agoncies -- $ r i , `-�—
jo�7 77
_ _ Lt
`' -` _ ~ _--- fRr J� ---_--. $�_Y --f Typeoflnsnranca —Term
to - ------- •' _ Pierroum$ ��+�
D Ctptior+a►Fgp( ntr f - -
--- --- - - - $- Dom*110v1 Coverage
E &overrun tTaxse Not Included in Cash Price