HomeMy WebLinkAbout12-16-14 (2) � 1505610143
REV-1500 EX`°z_„> �
OFFICIAL USE ONLY
PA Department of Revenue pennsylvania County Code Year File Number
Bureau of Individual Taxes DEPA1tTMEMOFREVENUE
Po BOx.28oso� INHERITANCE TAX RETURN 21 14 0366
Harrisburg,PA 17128-0601 RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death Date of Birth
03 09 2014 12 21 1928
DecedenYs Last Name Suffix DecedenYs First Name MI
BROWN PIL SAENG
(If Applicable)Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix Spouse's First Name MI
Spouse's Social Security Number
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
� 1. Original Retum � 2. Supplemental Return � 3. Remainder Retum(Date of Death
Prior to 12-13-82)
� 4. Limited Estate � qa.Future Incerest Compromise � 5. Federat Estate Tax Return Required
(date of death after 12-12-82)
� g Decedent Died Testate � �. Decedept Maintained a Living 7rust 1 8. Total Number of Safe Deposit Boxes
(Attach Copy of Will) (Attach Gopy of Trust)
� 9. Litigation Proceeds Received � �� belweenP2V31�J1 ndit�(Da95�(Death � 11.Election to tax under Sec.9113(A)
(Attach Schedule O)
CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
LAUREN E KAYS 717 737 8761
REGISTER OF WILLS USE ONLY
�
First Line of Address �
C � �
ONE WEST MAIN STREET � � � �
� .,
Second Line of Address rn � n � �
� � r�n ~ rnrn
'> � � :� e�
-�-'D�E:�ILED
City or Post Office State ZIP Code � �j -� --n
SHIREMANSTOWN PA 17011 ;.� ��„�-„ �'�T � :� �
. . �7 Cp !'=' t'��l
--t
� � � d
CorrespondenYs e-mail address: Ikays a[abogarlaw com N �
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 knowl dge.
�C�NAT RE OF PERSO ESPONSI L OR FILING RETURN DATE /� �rS / —
l
..� Chong Hui Knab /
ADDRESS
2212 Sprinq Run Drive, Mechanicsburq, PA 17055
SIGNA E OF PREPA R OTHER THAN REPRESENTATIVE DATE
Lauren E. Kays �. /�"j /
AD RESS
One West Main Street, Shiremanstown, PA 17011
� Side 1 � .
1505610143 1505610143 �
�,
� 1505610243
REV-1500 EX Decedent's Social Security Number
DecedenPsName: B�OWfI� Pil Sae11g
RECAPITULATION
1. Real Estate(Schedule A)..........................................................................
.. ........ � 20 , 164 . 52
2. Stocks and Bonds(Schedule B)............................................................................. 2.
3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C)......... 3.
4. Mortgages&Notes Receivable(Schedule D)........................................................ 4.
5. Cash,Bank Deposits&Miscellaneous Personal Property(Schedule E)............... 5. 6, 0 3 6 . �0
6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested............ 6. 1�0 , 858 . 8�J
7. Inter-Vivos Transfers&Miscellaneous lynn;Probate Property
(Schedule G) U Separate Billing Requested............ 7.
g. Total Gross Assets(total Lines 1 through 7)........................................................ 8. 127 , 059 . 37
9. Funeral Expenses and Administrative Costs(Schedule H).................................... 9. 16,274 . 52
10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule I)............................ 10.
11. Total Deductions(total Lines 9 and 10)................................................................ ��. 16,274 . 52
12. Net Value of Estate(Line 8 minus Line 11).......................................................... �2. 110 � 7 H4 . 85
�3, 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(�ine 12 minus Line 13)............................................... �4. 11 O , 7 84 . 8 rJ
TAX COMPUTATION-SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate,or
transfers under Sec.9116 �5 O . 0 0
(a)(1.2)X.00
16. Amount of Line 14 taxable 110 , 784 . 85 16. 4 , 985 . 32
at lineal rate X .045
17. Amount of Line 14 taxable 0 . 0 0 17. 0 . 0 0
at sibling rate X.12
18. Amount of Line 14 taxable � . 0� 1 S. 0 . 0 0
at collateral rate X.15
19. TAX DUE................................................................................................................ 19.
4 , 985 . 32
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. �
Slde 2
� 1505610243 1505610243 ...J
REV-1500 EX Page 3 File Number 21-14-0366
Decedent's Complete Address:
DECEpENT'S NAME
Brown, Pil Saeng
STREET ADDRESS
2212 Spring Run Drive
CITY STATE ZIP
Mechanicsburg PA 17055
Tax Payments and Credits:
1. Tax Due(Page 2, Line 19)
��� 4,985.32
2. Credits/Payments
A. Prior Payments 1,025.01
B. Discount 53.95
Total Credits(A +B) (2) 1,078.96
3. Interest (3) 2.21
q, If Line 2 is greater than Line 1 +Line 3,enter the difference. This is the OVERPAYMENT. (4)
Check box on Page 2,Line 20 to request a refund
5, If Line 1 +Line 3 is greater than Line 2,enter the difference. This is the TAX DUE. (5) 3,9�$.rJ7
Make Check Payable to REGISTER OF WILLS, AGENT r
, �,�,'° "� ,� t , '�,� �p r�S�u >�a'�„��������E"'"��rr �'�'t�`a'' *� �°�`�'
, , p� . , , _. .. .,�.<.p'�•,`� .� .4��:.,.-, , . `�". r _<, ... . ,.ak:,s��.. .�.., :�a» a. +u,. s.� 'r r�'�a�rr, , . . x . ..
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:............................................................................... ❑ 0
b. retain the right to designate who shall use the property transferred or its income:.................................. � �
c. retain a reversio�ary interest;or............................................................................................................... x
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 death without
receiving adequate consideration?.................................................................................................................... ❑ �
3. Did decedent own an"in trust for" or payable upon death bank account or security at his or her death?....... ❑ ❑X
4. Did decedent own an individual retirement account,annuity,or other non-probate property which ❑ ❑
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.
rm � wt' r r,sa, a�, �,a�s��:.�'�',t>4,�_ ;:,,«����,�sr. "s��.r#,. �.:.R�";°, ,.r�"r�.��."..x.r;�-z���`.�,u?� .�s#'.,�M.ax..� ... p ., ..
�. .� ,_ ,., , , ,. �.. ,�'". . .„
For dates of death on or after July 1,1994 and before Jan. 1,1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse
is 3 percent[72 P.S.§9116(a)(1.1)(i)].
For dates of death on or after January 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)J. 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 applicabie even if the surviving spouse is the only beneficiary.
For dates of death on or after July t,2000:
• The tax rale 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 naturai parent,an
adoptive parent,or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1.2)J.
• 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 decedenPs siblings is 12 percent[72 P.S.§9116(a)(1.3)J. A sibiing is defined,
under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption.
�
J 48500�41046
REV-485 EX(05-04)
SAFE DEPOSIT
BOX lNVENTORY
PA Department of Revenue PLEASE USE ORIGINAL FORM ONLY
Social Security or Death Certificate Number Date of Death County Code Year File Number
195-50-1208 03/09/2014 , 21 ' ; 14 0366
DecedenYs Last Name Suffix First Name MI
_ . _.._
Brown ; Pil Saeng
�ADDRESS OF DECEDENT STREET: CITY: STATE: ZIP CODE:
2212 Sprin Run Drive Mechanicsbur PA 17055
NAME AND ADDRESS OF PERSON REQUESTING THE OPENING OF THE SAFE DEPOSIT BOX
"AME: Chonq Hui Knab
' STREET ADDRESS: CITY: STATE: ZIP CODE:
' 2212 S rin Run Drive Mechanicsbur PA 17055
� NAME ADDRESS AND RELATIONSHIP(IF ANY)TO DECEDENT,OF PERSON(S)PRESENT AT THE BOX OPENING
I a. NAME: RELATIONSMIP:
', Chonq Hui Knab DaughtedExecutrix _ ;
' STREET ADDRESS: CITY: STATE: ZIP CODE:
' 2212 Sprinq Run Drive Mechanicsburq PA 17055
i b. NAME RELATIONSHIP:
' Lauren E Kays, Esquire Attomey
STREET ADDRESS: CITY: STATE: ZIP CODE:
' One West Main Street Shiremanstown PA 17011
c. NAME: RELATIONSHIP:
S�it¢.+n L.m,ubc�cl�. , A�rP 2��a.a�,c.� Mfv'tet�►,e.r
STREET ADDRESS: CITY: STATE: ZIP CODE:
: '-�11. 2 GA�t I iSie.Pik�. Cew► I�i)i PA )�-o/l
NAME AND ADDRESS OP FINANCIAL INSTITUTION WHERE THE SAFE DEPOSIT BOX IS LOCATED
' NAME: '
PNC Bank Hampden Branch
STREET ADDRESS: CITY: STATE: ZIP CODE:
4242 Carlisle Pike Cam Hill PA 17011
. NAME OF PERSON MAKING LAST ENTRY DATE AND TIME OF LAST ENTRY
Gh I�u i kn� � 5I 1 I 2oi y 3'�Io ,rv� .
: D��q�ONTRACT TO RENT BOX ' NUMBER OF BOX 1 TITLE UNDER WHICH BOX IS REQUESTED
Z. �A� il S� �vr1W
NAME AND ADDRESS OP PERSON(S)HAVING ACCESS TO BOX
a. NAME: b. NAME: �m� �u, ��
i`�►� �J+�vW�
STREET ADDRESS: STREET ADDRESS:
'L�t,i'L S�ri��`�� Z'�L�Z 3prjrKti �uv� �riYe
C�7y_ STATE: ZIP CODE: CITY: STATE: ZIP CODE:
�+LC1�S�.st►CCS p'� 1 �c N14�1��,s�iCSh ��1 ��OS .
NAME AND TITLE OF EMPLOi_E TAKING THE INVENT,O,yR�Y
� (�: ����e..�i Av P �, r�'1l'.�\ ��h Q..� �.
WAS A WILL IN THE BOX7 � YES ❑ NO If yes, a. Date of will: �'+ �, �Q(` �
b. Name and address of personal representative,ii named in the will
NAME:
' � i�wr !C ak�
STREETA RESS: ,/� \ CITY� TATE: iZIP CCO�DE:
�2�2 S ✓1l'!- V'�lAn/1 1l�1' �hk��1L2.y11C.�� �� l�¢W
c. Name and address of a rney,ii any
NAME: � '
STREETADDRESS: CITY: STATE: ZIP CODE:
� 4850��41046 48500041046 J
� Page�of�
REV-485EX SAFE DEPOSIT BOX INVENTORY
INSTRUCTIONS
(1) Cash: RepoR total only.
(2) Stocks: List in detail every common or preferred certificate,warrant or other rights found in box.Stocks are to be designated by
name of company,certificate number,date of certificate,name in which stock is registered,and number of shares and class of stock.
(3) Obligations of U.S.Government:Number of items,date of issue,face value,names in which registered and type of ownership,
i.e.,jointly held,payable on death,etc.
(4) Bonds: Designate by name,amount,serial number,or other designation.(Bearer Bonds)
(5) Bank and Savings and Loan Passbooks: State name of depositor,number of book,last date appearing in book,name of bank
and branch,and balance.
(6) Jeweiry,Coins,Stamps,Manuscripts,etc:List and describe as fully as possible.
(7) Deeds, Mortgages,Current Insurance Policies or other evidences of indebtedness: List and describe as fully as possible.
(8) All other contents.
(9) Return completed form to: DEPARTMENT OF REVENUE
INHERITANCE TAX DIVISION
DEPT.280601
HARRISBURG,PA 17128-0601
ITEM ITEM DESCRIPTION
NO.
� ►r�n Le.;+r-F�ca+r -f�r C11�f�ar ti' ($ A CNa �� I
`Z t�{��SSA L�r, }a � S,lbY4w►'�. I(�3 (o�
3 Mam r�. - 1� � 4�1-. Cc1iCFa�rd �, row�� pi1 sQc� �ak)
�(� Cazd �' Pi! Sq�.vi p�+nrn.. FN 'Lso 3N
5 eke ��c. la 9 � ct1.�.� �
� t, Arm ust `a- A� - c�u.s �w�► t b
� � aY� �S � !L— z`�-�� d�� Z3 l9 -f� r-F'�fav�1 ,
�C � - oti5o�(o c � �� 3�-a
°' M��� � l� ��... b 5 �tc �I► � . �
13 �I I c (f ��. 5' C i ' �'
�i �-. �-ka 1+� - " Se m" " �"rm 0 2
12 d. - U• S. �' �I S �3 ZO a�
+3 ���,i�.-c �.u���- C�d - � k�a.b
1`I - 20'L�- 5�. C �' `t ��,
l S �i-a.v� 'i r� t�n � � �i � 0 2�- _ i
i �fo�. �,d .�— � J� .tn
��- �, Ar m � rt.� v I A� 4r ��s -
I - ei��n'd i'1 Y�, Nlc�r �2� 1� �il C'�
i�I r0.t�s. mr-i-�t - Tri �i etf-� — P�1 S a _ S�. . 1 �► �0
Z� MA�C.�'Yau�+�� ��-ce�m Aruth�i u�+� - `pil S� d�vr�nrv�,- � 1°►�O
1 CERTIFY UNDER PENALTY O PERJURY THAT THE ABOVE RECORD IS PERSON R EIVING COPY
CORRECT AND COMPLETE TO THE BEST OF MY KNOWLEDGE AND BELIEF. SAFE DEPOSIT BO RY:
S TU SIGNA
PRINT NAME PRI RO IA OX OW:
� " �� 1'� Gl /f��'� ,
PRINT TITLE DATE CHECK APPR PRIATE BOX: -
�n�u�'" CJ j�11(1, xecutor(trix) �Administrator(trix) �
C �c �
�Estate Representative ❑Joint owner of safe deposit box
NOTE:Attach additional 8'/�'x 11"sheet(s)if necessary or use duplicates of this page of form.
The Department is authorized by law,42 U.S.C.§405(c)(2)(C)(i),to require disclosure of Social Security numbers in connection with administering state tax laws.The Department uses the
Social Security number to identify the decedent and personal representaGves of the estate.The Commonwealth may also use the informafion in exchange of tax information agreements
with Federai and local taxing authorities.The state law prohibits the Commonweaith's ersonnel from disclosin conflden6ai tax information exce t for official urposes.
Page � of �
REV-485EX SAFE DEPOSIT BOX INVENTORY
INSTRUCTIONS
(1) Cash: RepoRtotal only.
(2) Stocks:List in detail every common or preferred certificate,warrant or other rights found in box.Stocks are to be designated by
name of company,certificate number,date of certificate,name in which stock is registered,and number of shares and class of stock.
(3) Obligations of U.S.Government: Number of items,date of issue,face value,names in which registered and type of ownership,
i.e.,jointly held,payable on death,etc.
(4) Bonds: Designate by name,amount,serial number,or other designation.(Bearer Bonds)
(5) Bank and Savings and Loan Passbooks:State name of depositor,number of book,last date appearing in book,name of bank
and branch,and balance.
(6) Jewelry,Coins,Stamps,Manuscripts,etc: List and describe as fully as possible.
(7) Deeds,Mortgages,Current Insurance Policies or other evidences of indebtedness: List and describe as fully as possible.
(8) Ail other contents.
(9) Retum completed form to: DEPARTMENT OF REVENUE
INHERITANCE TAX DIVISION
DEPT.280601
HARRISBURG,PA 17128-0601
ITEM ITEM DESCRIPTION
NO.
`�- c�m'S c� ` ��c Y pe� .� Z� Nov. 1S t 4 '
�. - �. 1 ��
�-3 ��, � �'t,— -�s i- 2 t a C�l o �Ol� : Z
U. — -- �c► A
�vs �+ �n — �'2!�. � A�a� )� �
2� �C.� u V�-v►H=i . 'ctv� 3(l� 2c�o�- lv cm� o, � 00 0
'L� i� �� � �lA oo- �, i�C� Ji�1 DDi Q ��6$�
L c hcra �tr ►?�nl� osi t � �o P i 1 sq R�n�v1 � 1 - wlflj l�a�
2 �- -t� �m — l.� �- t,lr� fi S , llQ 141n `
3, �C, � . lb 0 00 I 21
3 ��cu� 'hrri t�e � � (�a�k. os�t �30�, �. t�I�i i 1q4�'r� d� t�"ca-}e..
�z., ��' � s'rt Sii � �a,� to]oil �
33 , . tli � (b�d ��2aerS E� � �'64 055 z�. �s� ov 5l4 ��a-•, w,+t� a�-
i ��ia�r� � fil� °tiav� tJ I' U� � A
35 d �tc�c.@:• " ve�. ' S �� C(;� ' I I d ,
3�: � h I-k r �r' d ur� Cv q q - dt�k.n
3�- �!-A � - °�i c � — +a c A,� soe�. rov�,�
3� l� S �Tre cLs►,u, C S i � . � i� l�►i af..� �aw1.(d i.�e td� 7�-n��
I CERTIFY UNDER PENALTY OF PERJURY THAT THE ABOVE RECORD IS PERSON RECEIVING OPY
CORRECT AND COMP ETE TO THE BEST OF MY KNOWLEDGE AND BELIEF. SAFE D OSI OX Y:
NA RE � SIGNAT
�
i
N � PRINT CHECK PP PRIATE BO �ELOW:
PRINT TITLE � DATE CHECK A ROPRIATE BOX:
{J�e��i� �(I/�(� ecutor(trix) ❑Administrator(trix)
1
�Estate Representative ❑Joint owner of safe deposit box
NOTE:Attach additional 8'/:'x 11"sheet(s)if necessary or use duplicates of this page of form.
The Department is authorized by law,42 U.S.C.§405(c)(2)(C)(i),to require disclosure of Sociat Security numbers in connection with administering sfate tax laws.The Department uses lhe
Social Security number to identify the decedent and personal representatives of the estate.The Commonwealth may also use the information in exchange of tax information agreements
with Federal and local taxing authorities.The state law rohibiis the Commonwealth's personnel from disclosing confidential tax infortnation except fa official u ses.
Page__6�__of�
REV-485EX SAFE DEPOSIT BOX INVENTORY
INSTRUCTIONS
(1) Cash: Report total only.
(2) Stocks: List in detaii every common or preferred certificate,warrant or other rights found in box.Stocks are to be designated by
name of company,certificate number,date of certificate,name in which stock is registered,and number of shares and class of stock.
(3) Obligations of U.S.Government: Number of items,date of issue,face value,names in which registered and type of ownership,
i.e.,jointly held,payable on death,etc.
(4) Bonds: Designate by name,amount, serial number,or other designation.(Bearer Bonds)
(5) Bank and Savings and Loan Passbooks:State name of depositor,number of book,last date appearing in book,name of bank
and branch,and balance.
(6) Jewelry,Coins,Stamps,Manuscripts,etc: List and describe as fully as possible.
(7) Deeds,Mortgages,Current Insurance Policies or other evidences of indebtedness: List and describe as fully as possible.
(8) Ali other contents.
(9) Return completed form to: DEPARTMENT OF REVENUE
INHERITANCE TAX DIVISION
DEPT.280601
HARRISBURG,PA 17128-0601
ITEM ITEM DESCRIPTION
NO. y�
� l.J Q, �D� U!' U� - � `` U/ 1
p � - `�,,�' � l l�f lZ1GU
�t
` 6� (� o � lC Q ��f3-
„
�2 � �
� aj' t((.� -- ._. Q.fY ��-
� �occ � ��� -- �'� c
y5 % ` (�, ." � ��- --
h p `- �S �34
��- ," � l --�/r�rt ��c � 4
�i 'Q,f' �6�- �D
�1 i Cr1 �-- �13
5� — — ! SQP.I"� �11u1�1 C(II �. �(.C�11
5 � -- _. �n �Jirl
52 � e� ���17 � �' i
��� C C �CDt�lt�" ��l'j , .a� _ � �•a.�i ��ul �-'3�04111�
�y C 'C� � `- SQ �,�1/t— QCL�
5s -- / , /�
5 , -- .�- � � ��;�� � r i �'
�-�rn��r i � � 1 � �
� � .
�6g' � ` `d/1 Gt j� �.'
I CERTIFY UNDER PENALTY OF PERJURY THAT THE ABOVE RECORD IS PERS RECEIVIN COPY F
COR EC ND COMPLETE T THE BEST O MY KNOWLEDGE AND BELIEF. SAFE DEPOSIT BO RY:
SI SIGN
�
PRINT NAME P CH RIATE B�X BELO :
' /
PRINT TITLE � DATE CHECK RIA E OX:
��D��i`' ��( I ,(,� xecutor(trix) �AdministratoQtrix)
� /.
�Estate Representative �Joint owner of sate deposit box
NOTE:Attach additional 8'/='x 11"sheet(s)if necessary or use duplicates of this page of form.
The Department is authorized by law,42 U.S.C.§405(c)(2j(C)(i),to require disclosure of Social Security numbers in connection with administering state tax laws.The Deparlment uses the
Social Securiry numtier to idenGfy the decedent and personal representatives of ihe estate.The Commonweaith may also use the information in exchange of tax information agreements
with Federal and local taxin authori6es.The siate law rohibits ihe Commonwealth's ersonnel from disclosin confidential tax infortnadon exce t for official urposes.
.
Page�of�
REV-485EX SAFE DEPOSIT BOX INVENTORY
INSTRUCTIONS
(1) Cash:Report total only.
(2) Stocks:List in detail every common or preferred certificate,warrant or other rights found in box.Stocks are to be designated by
name of company,certificate number,date of certificate,name in which stock is registered,and number of shares and class of stock.
(3) Obligations of U.S.Government:Number of items,date of issue,face value,names in which registered and type of ownership,
i.e.,jointly heid,payable on death,etc.
(4) Bonds: Designate by name,amount,serial number,or other designation.(Bearer Bonds)
(5) Bank and Savings and Loan Passbooks: State name of depositor,number of book,last date appearing in book,name of bank
and branch,and balance.
(6) Jewelry,Coins,Stamps,Manuscripts,etc: List and describe as fully as possible.
(7) Deeds,Mortgages,Current Insurance Policies or other evidences of indebtedness:List and describe as fully as possible.
(8) All other contents.
(9) Return completed form to: DEPARTMENT OF REVENUE
INHERITANCE TAX DIVISION
DEPT.280601
HARRISBURG,PA 17128-0601
ITEM ITEM DESCRIPTION
NO.
�q �3 sc�uj stC. �r�� - . ., ,�' 3
e�� �S cS'Q '� S "�'° —' _ %�J �.�
t;S — �' � �cl/I �-- !7 `� �.�
�2 ` a-y'� tC' ' � �8���
�� ' (�'f t � �� �� ^ � S
� , �� - , .� � ��� — � l��;q� -- j �Sa� ��
c�s � C S� � � �Y -- �� � �d �
� ,�, � _ �, �
(�(� c , .,
I CERTIFY UNDER PENALTY OF PERJURY THAT THE ABOVE RECORD IS PERSON RECEIVING P
CORRECT AND COMPLETE TO THE BEST OF MY KNOWLEDGE AND BELIEF. SAFE DEPOS T OX E Y:
S N RE SIGNAT
�
. PRINT NAM � �� PRIN CHE� AP IAT OX ELO �
/'
PRINT TITLE OATE CHECK PP O RIATE BOX:
/'_ .�CL1.�^'� r�' �'� xecutor(vix) ❑Administrator(trix)
`�� ', J
�Estate Representative ❑Joinl owner of safe deposit box
NOTE:Attach additional 8'/:"x 11"sheet(s)if necessary or use dupiicates of this page of form.
The Department is authorized by law,42 U.S.C.§405(c)(2)(C)(i),to require disclosure of Social Security numbers in connedion with administeririg state tax laws.The Department uses the
Social Security number to identify the decedent and personal representatives of the estate.The Commonwealth may also use ihe information in exchange of tax information agreements
with Federal and local taxin auihori6es.The state law rohibits Ne Commonwealth's ersonnel from disdosin confidential tax information exce t for official urposes.
Rev1502 EX+�01-10)
SCHEDULE A
pennsylvania REAL ESTATE
DEPARTMENT OFREVENUE
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Brown, Pil Saeng 21-14-0366
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 oT survivorship must be disclosed on schedule F.
Attach a copy of the settlement sheet ii the property has been sold
Include a copy oi the deed showing decedenYs interest if owned as tenant in common.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 Reai Estate-All that certain piece or parcel of real estate being known and�umbered as 20,164.52
2027 Lenox Street, Harrisburg, PA 17104. The property was acquired by Pil Saeng Brown by
Deed dated September 29,1970 and recorded September 29, 1970 in the Dauphin County
Recorder of Deeds Office,a copy of which is attached hereto and incorporated herein. The
property was sold pursuant to an Agreement of Sale dated November 4,2014,a copy of
which is attached hereto and incorporated herein. Final settlement took place on December
12,2014. Copies of the Deed conveying the real estate,as well as the Settlement Sheet,are
attached hereto and incorporated herein.
TOTAL(Also enter on Line 1, Recapitulation) 20,164.52
(If more space is needed,additional pages of the same size)
Copyright(c)2010 form software only The Lackner Group, Inc. Form PA-1500 Schedule A(Rev.01-10)
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�• �� STANDARD AGREEMENT FOR THE SALE OF REAL ESTATE ASR
This form recommended and approved for,but nor restric�ed to use by,the members of t6e Pennsylvania Association of Realtors�(PAR).
PARTIES � �J
BUYER(S): 8219 Ventures. LLC SELLER(S): �SS Brown�
BUYER'S MAILING ADDRESS: SELLER'S MAILING ADDRESS:
6059 Allentown Blvd 2212 S rin Run Drive
Harrisburg, Pa 17112 Mechanics urg. Pa 1055-5577
PROPERTY
ADDRESS (including postal city) 2027 LeIIOX Sti'@8t
Harrisburg Pa zrp 17104 ,
in the municipality of Harrisbura , counry of Dauphin ,
;n the School District of HarriSburg , in the Commonwealth of Pennsylvania.
Tax 1D#(s): 01-001-098-000-0000 and/or
Identification (e.g., Parcel #; Lot, Block; Deed Book, Page,Recording Date):
BUYER'S RELATIONSHIP WITH PA LICENSED BROKER
� No Business Relationship{Buyer is not represented by a broker)
Broker(Company) Licensee(s)(Name)
Company Address Direct Phone(s)
Cell Phone(s)
Company Phone Fax
Company Fax Email
Broker is(check only one): Licensee(s)is(check only one):
❑ Buyer Agent(Broker represents Buyer only) � Buyer Agent
❑ Dual Agent(See Dual and/or Designated Agent box below) ❑ Buyer Agent with Designated Agency
❑ Dual Agent(See Dual and/or Designated Agent box below)
❑ Transaction Licensee(Broker and Licensee(s)provide real estate services but do not represent Buyer)
SELLER'S RELATIONSHIP WITH PA LICENSED BROKER
� No Business Relations6ip(Seller is not represented by a broker)
Broker(Company) Licensee(s)(Name)
Company Address Direct Phone(s)
Cell Phone(s)
Company Phone_ Fax
Company Fax Email
Broker is(check only one): Licensee(s)is(check only one):
❑ Seller Agent(Broker represents Seller only) ❑ Seller Agent
❑ Dual Agent(See Dual and/or Designated Agent box below) ❑ Seller Agent with Designated Agency
❑ Dual Agent(See Dual and/or Designated Agent box below)
❑ Transaction Licensee (Broker and Licensee(s)provide real estate services but do not represent Seller)
DUAL AND/OR DESIGNATED AGENCY
A Broker is a Dual Agent when a Broker represents both Buyer and Seller in the same transaction. A Licensee is a Dual Agent when a
Licensee represents Buyer and Seller in the same transaction.All of Broker's licensees are also Dual Agents UNLESS there are separate
Designated Agents for Buyer and Seller. If the same Licensee is designated for Buyer and Seller,the Licensee is a Dual Agent.
By signing this Agreement, Buyer and SeUer each acknowledge having been previously informed of,and consented to,dual agency,
if applicable. ps
Buyer Initial ��/ ASR Page 1 of 13 Seller Initials:�/
�/ I Pe1111S�/IVclClla ASSOCIdtI011 OI R@dltOrS� COPYRIGHTPENN51'LVANIAAS50CIATIONO�REACtO1�S�4014
�
�. By this Agreement,aatea 1��2Q�4_—___ ________ ___— �— ,
Seller hereby agrees to sell and convey to Buyer,who agrees to purchase,the identified Property.
2. PURCHASE PRICE AND DEPOSITS(4-14)
(A)Purchase Price$ 20 000
(Twen� Thousand
U.S. Dollars),to be paid by Buyer as follows:
1. lnitial Deposit, within�_days of Execution Date, if not included
with this Agreement: $ 5��
2. Additiona] Deposit within days of the Execution Date: $
,,; 3. $
. Remaining balance will be paid at settlement.
.- (B) All funds paid by Buyer,including deposits,will be paid by check,cashier's check or wired funds.All funds paid by Buyer
Y within 30 days of settlement,including funds paid at settlement,will be by cashier's check or wired funds, but not by per-
� sonal check.
(C) Deposits,regardless of the form of payment,will be paid in U.S. Dollars to Broker for Seller(unless otherwise stated here:
Independent Settlement Services >>
+� who will retain deposits in an escrow account in conformity with all applicable laws and regulations until consummation or ter-
mination of this Agreement. Only rea] estate brokers are required to hold deposits in accordance with the rules and regulations of
the State Real Estate Commission. Checks tendered as deposit monies may be held uncashed pending the execution of this
Agreement.
3. SELLER ASSIST(If Applicable)(1-10)
Seller will pay $ 0 or °/a of Purchase Price (0 if not specified) toward
Buyer's costs, as permitted by the mortgage lender, if any. Seller is only obligated to pay up to the amount or percentage which is
approved by mortgage lender.
�. 4. SETTLEMEI�IT AND POSSESSION (4-14)
(A) Settlement Date is 11/28/2014 - See Add'ItiOtlal T2t't11S ,or before if Buyer and Seller agree.
(B) Settle►nent will occur in the county where the Property is located or in an adjacent county, during norma] business hours,unless
� Buyer and Seller agree otherwise.
(C) At time of settlement,the following will be pro-rated on a daily basis between Buyer and Seller,reimbursing where applicable:
current taxes; rents; interest on mortgage assumptions; condominium fees and homeowner association fees; water and/or sewer
fees,together with any other lienable municipal service fees.All charges will be prorated for the period(s)covered. Seller will pay
up to and including the date of settlement and Buyer will pay for all days following settlement,unless otherwise stated here:
(D) For purposes of prorating real estate taxes, the"periods covered" aze as follows:
l. Municipal ta�c bills for all counties and municipalities in Pennsylvania are for the period from January 1 to December 31.
2. School ta�c bills for the Philadelphia,Pittsburgh and Scranton School Districts are for the period from January I to December 3 l.
School tax bills for all other school districts are for the period from July 1 to June 30.
• (E) Conveyance from Seller will be by fee simple deed of special warranty unless otherwise stated here:
- (F) Payment of transfer taxes will be divided equally between Buyer and Seller unless otherwise stated here:
�. (G) Possession is to be delivered by deed,existing keys and physical possession to a vacant Property free of debris,with all struchues
broom-clean,at day and time of settlement,unless Seller,before signing this Agreement,has identified in writing that the Property
a is subject to a lease.
� (H) If Seller has identified in writing that the Property is subject to a lease, possession is to be delivered by deed, existing keys and
�� assignment of existing leases for the Property,together with security deposits and interest,if any,at day and time of settlement.Seller
will not enter into any new leases, nor extend existing leases, for the Properiy without the written consent of Buyer. Buyer will
acknowledge existing lease(s)by initialing the lease(s)at the execution of this Agreement,unless otherwise stated in this Agreement.
❑Tenant-Occupied Property Addendum (PAR Form TOP)is attached and roade part of this Agreement.
5. DATES/TIME IS OF THE ESSENCE(1-10)
(A) Written acceptance of all parties will be on or before: 11/06/2014
(B) The Settlement Date and all other dates and times identified for the performance of any obligations of this Agreement are of the
essence and are binding.
(C) The Execution Date of this Agreement is the date when Buyer and Seller have indicated full acceptance of this Agreement by sign-
ing and/or initialing it. For purposes of this Agreement,the number of days will be counted from the Execution Date,excluding
the day this Agreement was executed and including the last day of the time period.All changes to this Agreement should be ini-
tiated and dated.
(D) The Settlement Date is not extended by any other provision of this Agreement and may only be extended by mutual written agree-
ment of the parties.
- (E) Certain terms and time periods are pre-printed in this Agreement as a convenience to the Buyer and Seller.All pre-printed terms
and time periods are negotiable and may be changed by striking out the pre-printed text and inserting different terms acceptable
to all parties, except where restricted by law.
os �/
Buyer Initials: � / ASR Page 2 of 13 Seller lnitials: G/7 1t /
6. ZONING(4-14)
Failure of thrs Agreement to contain the zoning classification (except in cases where the property {and each parcel thereof, if subdi-
vidable} is zoned solely or primarily to permit single-family dwellings)will render this Agreement voidable at Buyer's option,and,
if voided, any deposits tendered by the Buyer will be returned to the Buyer without any requirement far court action.
Zoning Classification, as set forth in the local zoning ordinance: R@Sldetltlal
7. FIXTURES AND PERSONAL PROPERTY(4-14)
(A) INCLUDED in this sale, unless otherwise stated, are all existing items permanently installed in the Property, free of liens, and
other items including plumbing; heating; radiator covers; lighting fixtures (including chandeliers and ceiling fans); pools, spas
and hot tubs (including covers and cleaning equipment); electric animal fencing systems (excluding collars);garage door open-
ers and transmitters; television antennas; mounting brackets and hardware for television and sound equipment; unpotted shrub-
. bery, plantings and trees; smoke detectors and carbon monoxide detectors; sump pumps; storage sheds; fences;mailboxes;wall
to wall carpeting;existing window screens, storm windows and screen/storm doors; window covering nardware(including rods
and brackets), shades and blinds; awnings; built-in air conditioners; built-in appliances;the range/oven; any remaining heating
and cooking fuels stored on the Property at the time of settlement; and, if owned, water treatment systems,propane tanks,satel-
lite dishes and security systems.Also included:
(B) The following items are LEASED(not owned by Seller).Contact the provider/vendor for more information(e.g.,water treatment
, systems,propane tanks, satellite dishes and security systems):
(C) EXCLUDED fixtures and items:
8. MORTGAGE CONTINGENCY(4-14)
� WAIVED. This sale is NOT contingent on mortgage financing, although Buyer may obtain mortgage fmancing and/or the par-
ties may include an appraisal,contingency.
� ELECTED.
(A) T'his sale is contingent upon Buyer obtaining mortgage financing according to the following terms:
First Mortgage on the Property Second Mortgage on the Property
� Loan Amount$ Loan Amount$
Minimum Term years Minimum Term years
Type of mortgage Type of mortgage
For conventional loans, the Loan-To-Uatue (LT'V) ratio is not to For conventional loans, the Loan-To-Value (LTV) ratio is not to
exceed % exceed %
Mortgage lender Mortgage lender
Interest rate %;however,Buyer agrees to accept the Interest rate %;however, Buyer agrees to accept the
interest rate as may be committed by the mortgage lender,not interest rate as may be committed by the mortgage lender,not
to exceed a maximum interest rate of %. to exceed a maximum interest rate of %.
+� Discount points, loan origination, loan placement and other fees Discount points, loan origination, loan placement and other fees
��- charged by the lender as a percentage of the mortgage]oan(exclud- charged by the lender as a percentage of the mortgage loan(exclud-
ing any mortgage insurance premiums or VA funding fee)not to ing any mortgage insw�ance premiums or VA funding fee) not to
- exceed %(0%if not specified)of the mortgage loan. exceed %(0%if not specified)of the mortgage loan.
��� (B) Mortgage Commitment Date
�� Upon receiving a mortgage commitment(s), Buyer will promptly deliver a copy of the commitment(s)to Seller.
��'� (C) The Loan-To-Value ratio(LTV) is used by lenders as one tool to help assess their potential risk of a mortgage loan. A particular
��' I_TV may be necessary to qualify for certain loans, or buyers might be required to pay additional fees if the LTV exceeds a spe-
+ � cific level. The appraised value of the Property is used by lenders to determine the ma�cimum amount of a mortgage loan. The
�� appraised value is determined by an independent appraiser, subject to the mortgage lender's underwriter review,and may be high-
• er or lower than the Purchase Price and/or market price of the property.
� (D) The interest rate(s)and fee(s)provisions in Paragraph 8(A)are satisfied if the mortgage lender(s)gives Buyer the right to guar-
antee the interest rate(s)and fee(s)at or below the maximum levels stated. If lender{s)gives Buyer the right to lock in the inter-
est rate(s), Buyer will do so at least 15 days before Settlement Date.Buyer gives Seller the right, at Seller's sole option and
= as permitted by law and the mortgage lender(s),to contribute financially,without promise of reimbursement,to Buyer and/or the
mortgage lender(s)to make the above mortgage term(s)available to Buyer.
(E) Within days(7 if not specified) from the Execution Date of this Agreement,Buyer will make a completed, written mort-
gage application (including payment for and ordering of appraisal and credit reports without delay, at fhe time required by
lender(s)) for the mortgage terms and to the mortgage lender(s) identified in Paragraph 8(A), if any, otherwise to a responsible
mortgage lender(s)of Buyer's choice. Broker for Buyer, if any, otherwise Broker for Seller, is aufhorized to communicate with
the rnortgage lender(s)to assist in the mortgage loan process.
(F) Buyer will be in default of this Agreement if Buyer furnishes false information to anyone concerning Buyer's financial and/or
employment status,fails to cooperate in good faith with processing the mortgage loan application(including delay of the apprais-
al), fails to lock in interest rate(s) as stated in Paragraph 8(D), or otherwise causes the lender to reject, or refuse to approve or
issue, a mortgage loan commitment.
D5
Buyer Initials: / ASR Page 3 01'13 Seller Initials:���/
� . (G) 1. If Seller does not receive a copy of the mortgage commitment(s)by the Mortgage Commitment Date, Seller may terminate
this Agreement by written notice to Buyer. Seller's right to terminate continues until Buyer delivers a mortgage commitment
to Seller.
2. Seller may terminate this Agreement by written notice to Buyer after the Mortgage Commitment Date if the mortgage commitment:
a. Does not satisfy the terms of Paragraph 8(A), OR
b. Contains any condition not specified in this Agreement(e.g.,Buyer must settle on another property,an appraisal must be
. received by the lender, or the mortgage commitment is not valid through the Settlement Date)that is not satisfied and/or
removed in writing by the mortgage lender(s)within�DAYS after the Mortgage Commitment Date in Paragraph 8(B),
or any extension thereof, other than those conditions that are customarily satisfied at or near settlement (e.g., obtaining
insurance, confirming employment).
, 3. lf this Agreement is terminated pursuant to Paragraphs 8(G)(1)ar(2), or the mortgage loan(s)is not obtained for settlement,
, . all deposit monies will be returned to Buyer according to the terms of Paragraph 26 and this Agreement will be VOID. Buyer
.. will be responsible for any costs incurred by Buyer for any inspections or certifications obtained according to the terms of
this Agreement,and any costs incurred by Buyer for:(1)Title search,title insurance and/or mechanics'lien insurance,or any
fee for cancellation; (2)Flood insurance, fire insurance,hazard insurance, mine subsidence insurance,or any fee for cancel-
�� lation; {3)Appraisal fees and charges paid in advance to mortgage lender(s).
�. (H) If the mortgage lender(s), or a property and casualty insurer providing insurance required by the mortgage lender(s), requ'ves
�t repairs to the Property, Buyer will,upon receiving the requirements,deliver a copy of the requirements to Seller. Within 5
. DAYS of receiving the copy of the requirements,Seller will notify Buyer whether Seller will make the required repairs at Seller's
� expense.
1. If Seller makes the required repairs to the satisfaction of the mortgage lender and/or insurer, Buyer accepts the Property and
agrees to the RELEASE in Paragraph 28 of this Agreement.
�, 2. If Seller will not make the required repairs,or if Seller fails to respond within the stated time,Buyer will,within 5
DAYS,notify Seller of Buyer's choice to:
a. Make the repairs/improvements at Buyer's expense, with permission and access to the Property given by Seller, which
will not be unreasonably withheld,OR
- b. Terminate this Agreement by written notice to Seller,with al] deposit monies returned to Buyer according to the terms of
� Paragraph 26 of this Agreemeni.
. If Buyer fails to respond within the time stated in Paragraph 8(H)(2)or fails to terminate this Agreement by written notice to
Seller within that time,Buyer will accept the Property,make the required repairs/improvements at Buyer's expense and agree
to the RELEASE in Paragraph 28 of this Agreement.
FHANA,IF APPLICABLE
� (I) It is expressly agreed that notwithstanding any other provisions of this contract,Buyer will not be obligated to complete the pur-
chase of the Property described herein or to incur any penalty by forfeiture of earnest money deposits or otherwise unless Buyer
, has been given, in accordance with Hi1D/FHA or VA requirements,a written statement by the Federal Housing Commissioner,
, . Veterans Administration, or a Direct Endorsement Lender setting forkh the appraised value of the Property of not less than
$ (the Purchase Price as stated in tnis Agreement). Buyer will have the privilege and option of
..,, proceeding with consummation of the contract without regard to the amount of the appraised valuation.The appraised valuation
�� � is arrived at to determine the maximum mortgage the Deparhnent of Housing and Urban Development will insure. HUD does
��� not warrant the value nor the condition of the Property. Buyer should satisfy himself/herself that the price and condition of the
!_,�. Property are acceptable.
<- Warning: Section 1010 of Title 18, U.S.C., Department of Housing and Urban Development and Federal Housing
+�:a; Administration Transactions,provides,"Whoever for the purpose of. . . influencing in any way the action of such Department,
,, makes,passes, utters or pubGshes any statement,knowing the same to be false shall be fined under this title or imprisoned not
� ,, more than two years, or both."
� � (J) U.S. Department of Housing and Urban Development(HUD)NOTICE TO PURCHASERS: Buyer's Acknowledgement
❑ Buyer has received the L-TUD Notice"For Your Protection: Get a Home Inspection."Buyer understands the importance of
�-' getting an independent home inspection and has thought about this before signing this Agreement. Buyer understands that
{- FHA will not perform a home inspection nor guarantee the price or condition of the Property.
(K) Certification We the undersigned, Seller(s)and Buyer(s)party to this transaction each certify that the terms of this contract
for purchase are true to the best of our knowledge and belief, and that any other agreement entered into by any of these parties
in connection with this transaction is attached to this Agreement.
� : 9. CHANGE IN BUYER'S FINANCIAL STATUS(4-14)
In the event of a change in Buyer's financial status affecting Buyer's ability to purchase, Buyer shall promptly notify Seller and
lender(s)to whom the Buyer submitted a mortgage application,if any,in writing.A change in financial status includes,but is not lim-
� ited to, loss or a change in employment; failure or loss of sale of Buyer's home; Buyer's having incurred a new fnancial obligation;
entry of a judgment against Buyer.Buyer understands that applying for and/or incurring an additional financial obligation may
affect Buyer's ability to purchase.
� 10. SELLER REPRESENTATIONS(414)
(A) Status of Water
Seller represents that the Property is served by:
� Publi r ❑ Community Water ❑ On-site Water ❑ None O
- Buyer Initiais: L�-�/ ASR Page 4 of 13 Seller lnitials:�/
(B) Status of Sewer
i. Seller represents that the Properiy is served by:
� Public Sewer O Community Sewage Disposa] System ❑ Ten-Acre Permit Exemption(see Sewage Notice 2)
❑ Individual On-lot Sewage Disposal System (see Sewage Notice 1) ❑ Holding Tank(see Sewage Notice 3)
❑ Individual On-lot Sewage Disposal System in Proximity to Well (see Sewage Norice 1;see Sewage Notice 4,if applicable)
, � ❑ None(see Sewage Notice 1) ❑ None Available/Permit Limitations in Effect(see Sewage Notice 5)
O
, . 2. Notices Pursuant to the Pennsylvania Sewage Facilities Act
,. Notice 1: There is no currently existing community sewage system available for the subject property. Section 7 ofthe
� �, Pennsylvania Sewage Facilities Act provides that no person shall install, construct, request bid proposals for construction,
alter,repair or occupy any building or structure for which an individual sewage system is to be installed,without first obtain-
� ing a permit. Buyer is advised by this notice that, before signing this Agreement, Buyer should contact the local agency
charged with administering the Act to determi�e the procedure and requirements for obtaining a permit for an individual
sewage system. The local agency charged with administering the Act will be the municipality where the Properly is located
or that municipality working cooperatively with others.
Notice 2:This Property is serviced by an individual sewage system installed under the ten-acre permit exemption provisions
�� of Section 7 of the Pennsylvania Sewage Facilities Act.(Section 7 provides that a permit may not be required before installing,
consiructing,awarding a contract for construction,altering,repairing or connecting to an individua(sewage system where a ten-acre
parcel or lot is subdivided from a parent tract after January 10, 1987).Buyer is advised that soils and site testing were not conduct-
ed and that, should the system malfunction, the owner of the Properiy or properties serviced by the system at the time of a mal-
. function may be held liable for any contamination,pollution,public health hazard or nuisance which occurs as a result.
., Notice 3: This Property is serviced by a holding tank (permanent or temporary) to which sewage is conveyed by a
water carrying system and which is designed and constructed to facilitate ultimate disposal of the sewage at another
site. Pursuant to the Pennsylvania Sewage Facilities Act, Seller must provide a history of the annual cost of maintaining the
� tank from the date of its installation or December 14, 1995, whichever is later.
�. Notice 4: An individual sewage system has been installed at an isolation distance from a well that is less than the dis-
.�� tance specified by regulation. T'he regulations at 25 Pa. Code §73.13 pertaining to minimum horizontal isolation distances
+ provide guidance. Subsection(b)of§73.13 states that the minimum horizontal isolation distance between an individual water
supply or water supply system suction line and treatment tanks shall be 50 feet. Subsection(c)of§73.13 states that the hori-
zontal isolation distance between the individual water supply or water supply system suction line and the perimeter of the
absorption area shall be ]00 feet. •
Notice 5:This lot is within an area in which permit limitations are in ett'ect and is subject to those limitations. Sewage facili-
ties are not available for this lot and construction of a structure to be served by sewage facilities may not begin until the municipality
completes a major planning requirement pursuant to the Pennsylvania Sewage Facilities Act and regulations promulgated thereunder.
(C) Historic Preservation
<.� Seller is not aware of historic preservation restrictions regarding the Property unless otherwise stated here:
,,.
�_-t, (D) Land Use Restrictions
�... 1.❑ Property,or a portion of it,is subject to land use restrictions and may be preferentially assessed for tax purposes under the
<� following Act(s)(see Notices Regarding Land Use Restrictions below):
❑Agricultural Area Security Law(Right-to-Farm Act;Act 43 of 1981;3 P.S. § 901 et seq.)
_ ❑Farmland and Forest Land Assessment Act(Clean and Green Program;Act 319 of 1974; 72 P.S. § 5490.1 et seq.)
. . ❑ Open Space Act(Act 442 of 1967;32 P.S. § 500] et seq.)
� ❑Conservation Reserve Program(16 U.S.C. §3831 et seq.)
❑ Other
2. Notices Regarding Land Use Restrictions
a. Pennsylvania Right-To-Farm Act: The property you are buying may be located in an area where agricultural operations
take place. Pennsylvania protects agricultural resources for the production of food and agricultural products.The law lim-
its circumstances where normal agricultural operations may be subject to nuisance lawsuits or restrictive ordinances.
b. Clean and Green Program:Properties enrolled in the Clean and Green Program receive preferential property tax assess-
ment. Buyer and Seller have been advised of the need to contact the County Tax Assessment Office before the execution
of this Agreement to determine the property ta�c implications that will or may result from the sale of the Property,or that
_ may result in the future as a result of any change in use of the Property or the land from which it is being separated.
-•. c. Open Space Act: This Act enables counties to enter into covenants with owners of land designated as farm,forest,water
supply, or open space land on an adopted municipal, county or regional plan for the purpose of preserving the (and as
. open space. A covenant between the owner and county is binding upon any Buyer of the Property during the period of
-. : time that the covenant is in effect(5 or 10 years).Covenants automatically renew at the end of the covenant period unless
specific termination notice procedures are followed.Buyer has been advised of the need to determine the restrictions that
will apply from the sale of the Property to Buyer and the property tax nnplications that will or may result from a change
in use of the Property, or any portion of it. Buyer is further advised to determine the term of any covenant now in effect.
DS
Buyer Initials: �� / ASR Page 5 of 13 Scller Initials�_/
d. Conservation Reserve(Enhancement)Program: Properties enrolled in the Conservation Reserve Program or CREP are
environmentally-sensitive areas,the owners of which receive compensation in exchange for an agreement to maintain the
- - land in its natural state.Contracts last from 10 to 15 years and cany penalties to Seller if terminated early by Buyer.Buyer
� has been advised of the need to determine the restrictions on development of the Property and the term of any contract now
- in effect. Seller is advised to determine the financial implications that will or may result from the sale of the Property.
(E) Real Estate Seller Disclosure Law
Generally,the Real Estate Seller Discloswe Law requires that before an agreement of sale is signed,the seller in a residential real
estate transfer must make certain disclosures regarding the property to potential buyers in a form defined by the law. A residen-
tial real estate transfer is defined as a sale, exchange, installment sales contract, lease with an option to buy,grant ar other trans-
fer of an interest in real property where NOT LESS THAN ONE AND NOT MORE THAN FOUR RESIDENTIAL
DWELLING UNITS are involved. Disclosures for condominiums and cooperatives are limited to the seller's particular unit(s).
Disclosures regarding common areas or facilities are not required,as those elements are already addressed in the laws that gov-
em the resale of condominium and cooperative interests.
(F) Public and/or Private Assessments
1. Seller represents that,as of fhe date Seller signed this Agreement,no public improvement,condominium or homeowner asso-
� ciation assessments have been made against the Property which remain unpaid, and that no notice by any government or pub-
� lic authority (excluding assessed value)has been served upon Seller or anyone on Seller's behalf, including notices relating
to violations of zoning,housing,building,safety or fire ordinances that remain uncorrected, and that Seller knows of no con-
- dition that would constitute a violation of any such ordinances that remain uncorrected,unless otherwise specified here: _
2. Seller knows of no other potential notices(including violations)and/or assessments except as follows:
- (G) Highway Occupancy Permit
Access to a public road may require issuance of a highway occupancy permit from the Department of Transportation.
11. WAIVER OF CONTINGENCIES(9-OS)
lf this Agreement is contingent on Buyer's right to inspect and/or repair the Property, or to verify insurability, environmental condi-
tions,boundaries,certifications,zoning classification or use,or any other information regarding the Property,Buyer's failure to exer-
cise any of Buyer's options within the times set forth in this Agreement is a WAIVER of that contingency and Buyer accepts
the Property and agrees to the RELEASE in Paragraph 28 of this Agreement.
12. BUYER'S DUE DILIGENCE/INSPECTIONS(4-14)
(A) Rights and Responsibilities
1. Seller will provide access to insurers'representatives and, as may be required by this Agreement or by mortgage lender(s),to
surveyors,municipal o�cials,appraisers and inspectors.All parties and their real estate licensee(s)may attend any inspections.
, 2. Buyer may make a pre-settlement walk-through inspection of the Property. Buyer's right to this inspection is not waived by
}� any other provision of this Agreement.
_ 3. Seller will have heating and all utilities(including fuel(s))on for all inspections/appraisals.
-� 4, All inspectors,including home inspectors,are authorized by Buyer to provide a copy of any inspection Report to Broker for Buyer.
5. Seller has the right,upon request,to receive a free copy of any inspection Report from the party for whom it was prepared.
(B) Buyer waives or elects at Buyer's expense to have the following inspections, certifications, and investigations (referred to as
"Inspection"or"Inspections") performed by professional contractors,home inspectors, engineers, architects and other properly
licensed or otherwise qualified professionals. All inspections shall be performed in a non-invasive manner, unless otherwise
agreed in writing. lf the same inspector is inspecting more than one system,the inspector must comply with the Home Inspection
Law. (See Paragraph 12(D)for Notices Regarding Property and Environmental Inspections)
(C) For elected [nspection(s),Buyer will,within the Contingency Period stated in Paragraph 13(A),complete Inspections,obtain any
Inspectio� Reports or results (referred to as"Report" or"Reports"), and accept the Property,terminate this Agreement, or submit a
written con•ective proposal to Seller,according to the terms of Paragraph 13(B).
Home/Property Inspections and Environmental Hazards(mold,etc.)
Elected Buyer may conduct an inspection of the Property's structural components; roof; exterior windows and exterior V1���ved
� doors; exterior building material, fascia, gutters and downspouts; swimming pools, hot tubs and spas; appliances_ L.L�
electrical systems; interior and exterior plumbing;public sewer systems;heating and cooling systems;water pene
�� tration;electromagnetic fields;wetlands and flood plain delineation;structure square footage;mold and other envi-
ronmental hazards (e.g., fungi, indoor air quality, asbestos, underground storage tanks, etc.); and any other items
Buyer may select. If Buyer elects to have a home inspection of the Property,as defined in the Home Inspection Law,
� the home inspection must be performed by a full member in good standing of a national home inspection associa-
tion,or a person supervised by a full member of a national home inspection association,in accordance with the eth-
��: ical standards and code of conduct or practice of that association,or by a properly licensed or registered engineer or
architect. (See Notices Regarding Property& Environmental Inspections)
Wood Infestation
Elected Buyer may obtain a written"Wood-Destroying Insect Infestation Inspection Report"from an inspector certified as �ved
- / a wood-destroying pests pesticide applicator and will deliver it and all supporting documents and drawings prov d-��/
ed by the inspector to Seller.The Report is to be made satisfactory to and in compliance with applicable laws,m -
gage psnder requirements,and/or Federal Insuring and Guaranteeing Agency requirements.The Inspection is to be
Buyer Initi�s:�/ ASR Page G of 13 Seller Initials:�_/
limited to all readily-visible and accessible areas of all structures on the Property, except fences. If the ]nspection
.- reveals active infestation(s),Buyer, at Buyer's expense,may obtain a Proposal from a wood-destroying pests pesti-
, cide applicator to treat the Property. If the Inspection reveals damage from active or previous infestation(s), Buyer
� may obtain a written Report from a professional contractor,home inspector or structural engineer that is limited to
_! structural damage to the Property caused by wood-destroying organisms and a Proposal to repair the Property.
Deeds, Restrictions and Zoning os
.. Elected Buyer may investigate easements,deed and use restrictions(including any historic preservation restrictions or or i- �a'�ed
� :� / nances)that apply to the Property and review local zoning ordinances.Buyer may verify that the present use of e /
Property (such as in-law quarters, aparhnents, home office, day care) is permitted and may elect to make the
Agreement contingent upon an anticipated use. Present use:
. Water Service
Elected Buyer may obtain an Inspection of the quality and quantity of the water system from a properly licensed or othe 1�`�iued
/ wise qualified water/well testing company. If and as required by the inspection company, Seller, at Seller [7�
expense,will locate and provide access to the on-site(or individual)water system. Seller will restore the Prope
to its previous condition, at Seller's expense,prior to settlement.
Radon
Elected Buyer may obtain a radon test of the Property from a certified inspector. The U.S. Environmental Protect' n rved
/ Agency (EPA) advises corrective action if the average annual exposure to radon is eyual to or higher than 0 2�
+ , working levels or 4 picoCuries/liter(4pCi/L).Radon is a natural,radioactive gas that is produced in the ground
the normal decay of uranium and radium. Studies indicate that extended exposure to high levels of radon gas can
.- increase the risk of lung cancer.Radon can find its way into any air-space and can permeate a structure. If a house
. has a radon problem, it usually can be cured by increased ventilation and/or by preventing radon entry.Any per-
son who tests,mitigates or safeguards a building for radon in Pennsylvania must be certified by the Department of
..- Environmental Protection. Information about radon and about certified testing or mitigation firms is available
through Department of Environmental Protection,Bureau of Radiation Protection, 13th Floor,Rachel Carson State
� Office Building, P.O. Box 8469,Harrisburg, PA 17105-8469,(800)23RADON or(717)783-3594.www.epa.gov
On-lot Sewage(If Applicable) os
Elected Buyer may obtain an Inspection of the individual on-lot sewage disposal system from a Gualified, profession 1 L�ed
/ inspector. If and as required by the inspection company, Seller, at Seller's expense, will locate, provide access t ,
and empty the individual on-lot sewage disposal system. Seller will restore the Property to its previous condition,
at Seller's expense, prior to settlement. See Paragraph 13(C)for more information regarding the Individual On-lot
Sewage Inspection Contingency.
Property and Flood Insurance
Elected Buyer may determine the insurability of the Properly by making application for properiy and casualty insurance or ° rved
� / the Property to a responsible insurer. Broker for Buyer, if any, otherwise Broker for Seller, may communicate th��
the insurer to assist in the insurance process. lf the Property is located in a flood plain, Buyer may be required
� cany flood insurance at Buyer's expense,which may need to be ordered 14 days or more prior to Settlement Date.
, Revised flood maps and changes to Federal law may substantially increase future flood insurance premiums or
��: require insurance for formerly exempt properties. Buyer should consult with one or more flood insurance agents
regarding the need for flood insurance and possible premium increases.
Property Boundaries
�, Elected Buyer may engage the services of a surveyor, title abstractor, or other qualified professional to assess the le ved
/ description, certainty and location of boundaries and/or yuantum of land. Most sellers have not had the Prope �
surveyed as it is not a requirement of property transfer in Pennsylvania.Any fences,hedges,walls and other natu 1
or constructed barriers may or may not represent the true boundary lines of the Property.Any numerica]represen-
tations of size of property are approximations only and may be inaccurate.
Lead-Based Paint Hazards(For Properties built prior to 1978 only)
Elected Before Buyer is obligated to purchase a residential dwelling built prior to 1978,Buyer has the option to conduct �' ed
_ / risk assessment and/or inspection of the Property for the presence of lead-based paint and/or lead-based paint h �j
ards. Regardless of whether this inspection is elected or waived, the Residential Lead-Based Paint Hazar
Reduction Act requires a seller of property built prior to 1978 to provide the Buyer with an EPA-approved
lead hazards information pamphlet titled"Protect Your Family from Lead in Your Home,"along with a sep-
- arate form, attached to this Agreement, disclosing Seller's knowtedge of lead-based paint hazards and any
lead-based paint records regarding the Property.
�-�> Other
� � Elected Waived
��:�� � /
The Inspections elected above do not apply to the following existing conditions andlor items:
� (D) Notices Regarding Property & Environmental Inspections
1. Exterior Building Materials: Poor or improper installation of exterior building materials may result in moisture penetrating
the su�ace of a structure where it may cause mold and damage to the building's frame.
Buyer(nitials �� / ASR Page 7 of 13 Seller Initials���/
2. Asbestos: Asbestos is linked with several adverse health effects, including various forms of cancer.
3. Environmental Hazards: The U.S. Environmental Protection Agency has a list of hazardous substances,the use and dispos-
al of which are restricted by law. Generally,if hazardous substances are found on a properiy, it is the property owner's respon-
>� sibility to dispose of them properly.
- 3. Wetlands: Wetlands are protected by the federal and state governments. Buyer may wish to hire an environmental engineer
to investigate whether the Property is located in a wetlands area to determine if permits for plans to build,improve ar develop
- the property would be affected or denied because of its location in a wetlands area.
,. 4. Mold, Fungi and Indoor Air Quality: lndoor mold contamination and the inhalation of bioaerosois(bacteria, mold spores,
pollen and viruses)have been associated with allergic responses.
5. Additional Information: Inquiries or requests for more information about asbestos and other hazardous substances can be
directed to the U.S. Environmental Protection Agency,Ariel Rios Building, 1200 Pennsylvania Ave.,N.W.,Washington,D.C.
20460,(202)272-0167,and/or the Department of Health,Commonwealth of Pennsylvania,Division of Environmental Health,
Harrisburg,PA 17120. Information about indoor air quality issues is available through the Pennsylvania Department of Health
� and may be obtained by contacting Health& Welfare Building, 8th Floor West, 625 Forster St., Harrisburg, PA 17120, or by
calling 1-877-724-325$.
13. INSPECTION CONTINGENCY(4-14)
(A) The Contingency Period is days(l0 if not specified)from the Execution Date of this Agreement for each Inspection elect-
ed in Paragraph 12(C).
(B) Except as stated in Paragraph ]3(C), if the result of any Inspection elected in Paragraph 12(C) is unsatisfactory to Buyer, Buyer
will, within the stated Contingency Period:
1. Accept the Property with the information stated in the Report(s)and agree to the RELEASE in Paragraph 28 of this Agreement,OR
� . 2. Terminate this Agreement by written notice to Seller, with all deposit monies returned to Buyer according to the terms of
Paragraph 26 of this Agreement, OR
3. Present the Report(s)to Seller with a Written Cornective Propc�sal(°`Propc�sal")listing corrections and/or credits desired by Buyer.
T'he Proposal may,but is not required to,include the name(s)of a properly licensed or qualified professional(s)to perform the cor-
� rections requested in the Proposal, provisions for payment, including retests, and a projected date for completion of the correc-
• tions. Buyer agrees that Seller will not be held liable for corrections that do not comply with mortgage lender or governmental
requirements if performed in a workmanlike manner according to the terms of Buyer's Proposal.
a. Following the end of tt�e Contingency Period, Buyer and Seller will have days (5 if not specified) far a Negotiation
Period.
(1)During the Negotiation Period, Seller will either agree to satisfy all the terms of Buyer's Proposal or negotiate,by writ-
ten or verbal communication,another mutually acceptable written agreement,providing for any repairs or improvements
to the Property and/or any credit to Buyer at settlement,as acceptable to the mortgage lender,if any.
�� (2)If Seller agrees to satisfy all the terms of Buyer's Proposal, or Buyer and Seller enter into another mutually acceptable
� written agreement, Buyer accepts the Property and agrees to the RELEASE in Paragraph 28 of this Agreement and the
� � Negotiation Period ends.
�+. b. If no mutually acceptable written agreement is reached, or if Seller fails to respond,during the Negotiation Period,with-
�` in days(2 if not specified)following the end of the Negotiation Period,Buyer will:
���� (1)Accept the Property with the information stated in the Report(s)and agree to the RELEASE in Paragraph 28 ofthis
. Agreement, OR
� (2)Terminate this Agreement by written notice to Seller,with all deposit monies retumed to Buyer according to the terms
' of Paragraph 26 of this Agreement.
If Buyer and Seller do not reach a mutually acceptable written agreement, and Buyer does not terminate this
Agreement by written notice to Seller within the time allotted in Paragraph 13(B)(3)(b),Buyer will accept the Property
and agree to the RELEASE in Paragraph 28 of this Agreement.Ongoing negotiations do not automatically extend the
Negotiation Period.
(C)If a Report reveals the need to expand or replace the existing individual on-lot sewage disposal system, Seller may,within
days(25 if not specified)of receiving the Report,submit a Proposal to Buyer.The Proposal will include,but not be limited to,the
name of the company to perform the expansion or replacement;provisions for payment, including retests; and a projected com-
- pletion date for corrective measures. Within 5 DAYS of receiving Seller's Proposal,or if no Proposal is provided within the
� stated time,Buyer will notify Seller in writing of Buyer's choice to:
1. Agree to the terms of the Proposal,accept the Property and agree to the RELEASE in Paragraph 28 of this Agreement, OR
� 2. Terminate this Agreement by written notice to Seiler, with all deposit monies returned to Buyer according to the terms of
Paragraph 26 of this Agreement, OR
� - 3. Accept the Property and the existing system and agree to the RELEASE in Paragraph 28 of this Agreement. If required by any
�- mortgage lender and/or any governmental authority,Buyer will correct the defects before settlement or within the time required
� + by the mortgage lender and/or governmental authority,at Buyer's sole expense,with permission and access to the Property given
j by Seller,which may not be unreasonably withheld.If Seller denies Buyer permission and/or access to conect the defects,Buyer
may,within 5 DAYS of Seller's denial,terminate this Agreement by written notice to Seller,with all deposit monies retumed
to Buyer according to the terms of Paragraph 26 of this Agreement.
If Buyer fails to respond within the time stated in Paragraph 13(C) or fails to terminate this Agreement by written notice to
Seller within that time, Buyer will accept the Property and agree to the RELEASE in Paragraph 28 of this Agreement.
DS
Buyer[nitials: / ASR Page 8 of 13 Seller Initials:��,t�/
14.REAL ESTATE TAXES AND ASSESSED VALUE(4-14)
�� In Pennsylvania,taxing authorities(school districts and municipalities)and property owners may appeal the assessed value of a prop-
��� erty at the time of sale, or at any time thereafter.A successful appeal by a taxing authority may result in a higher assessed value for
>; the property and an increase in property taxes.Also,periodic county-wide property reassessments may change the assessed value of
�� the property and result in a change in property tax.
�{: 15. NOTICES,ASSESSIVIENTS AND MUNICIPAL REQUIREMENTS(4-14)
.. (A) In the event any notices of public and/or private assessments as described in Paragraph 10(F) (excluding assessed value) are
. received after Seller has signed this Agreement and before settlement, Seller will within 5 DAYS of receiving the notices
- and/or assessments provide a copy of the notices and/or assessments to Buyer and will notify Buyer in writing that Seller will:
l. Fully comply with the notices and/or assessments, at Seller's expense, befare settlement. If Seller fully complies with the
notices and/or assessments, Buyer accepts the Property and agrees to the RELEASE in Paragraph 28 of this Agreement,OR
.. 2. Not comply with the notices and/or assessments. If Seller chooses not to comply with the notices and/or assessments,or fails
within the stated time to notify Buyer whether Seller will comply, Buyer will notify Seller in writing within 5 DAYS
that Buyer will:
a. Comply with the notices and/or assessments at Buyer's expense, accept the Property, and agree to the RELEASE in
Paragraph 28 of this Agreement,OR
b. Terminate this Agreement by written notice to Seller,with all deposit monies returned to Buyer according to the terms of
- Paragraph 26 of this Agreement.
If Buyer fails to respond within the time stated in Paragaph 15(A)(2)or fails to terminate this Agreement by written notice to
;� Seller within that time, Buyer will accept the Property and agree to the RELEASE in Paragraph 28 of this Agreement.
� , (B) if required by law,within�DAYS from the Execution Date of this Agreement,but in no case later than 15 DAYS prior to
- Settiement Date, Seller will order at Seller's expense a certification from the appropriate municipal department(s)disclosing notice
of any uncorrected violations of zoning,housing,building,safety or fire ordinances and/or a certificate permitting occupancy of the
�.+ Property. If Buyer receives a notice of any required repairs/improvements,Buyer will promptly deliver a copy of the notice to Seller.
- i. Within 5 DAYS of receiving notice from the municipality that repairs/improvements are required, Seller will deliver a
� copy of the notice to Buyer and notify Buyer in writing that Seller will:
a. Make the required repairs/irnprovements to the satisfaction of the municipality. If Seller makes tt�e required repairs/improve-
ments,Buyer accepts the Property and agrees to the RELEASE in Paragraph 28 of this Agreement,OR
b. Not make the required repairs/improvements.If Seller chooses not to make the reGuired repairs/improvements,Buyer will
notify Seller in writing within 5 DAYS that Buyer will:
(1) Make the repairs/improvements at Buyer's expense,with permission and access to the Property given by Seller,which
will not be unreasonably withheld,OR
- (2) Terminate this Agreement by written notice to Seller,with all deposit monies returned to Buyer according to the terms
, of Paragraph 26 of this Agreement.
N Buyer fails to respond within the time stated in Paragraph 15(B)(1)(b)or fails to terminate this Agreement by writ-
• ten notice to Seller within that time,Buyer will accept the Property and agree to the RELEASE in Paragraph 28 of this
� Agreement,and Buyer accepts the responsibility to perform the repairs/improvements according to the terms of the
�'j notice provided by the municipality.
�-> 2. If Seller denies Buyer permission to make the required repairs/improvements, or does not provide Buyer access before
��� Settlement Date to make the required repairs/improvements, Buyer may, within 5 DAYS, terminate this Agreement by
� written notice to Seller, with all deposit monies returned to Buyer according to the terms of Paragraph 26 of this Agreement.
��� 3. If repairs/improvements are required and Seller fails to provide a copy of the notice to Buyer as reyuired in this Paragraph,Seller
!�� will perform all repairs/improvements as required by the notice at Seller's expense.Paragraph 15(B)(3)will survive settlement.
.� 16.CONDOM.INIUM/PLANNED COMMUNITY(HOMEOWNER ASSOCIATIONS)RESALE NOTICE(i-10)
(A) Properiy is NOT a Condominium or part of a Planned Community unless checked below.
O CONDOMINIUM.The Property is a unit of a condominium that is primarily run by a unit owners'association. Section 3407 of
the Uniform Condominium Act of Pennsylvania requires Seller to furnish Buyer with a Certificate of Resale and copies of the
- condominium declaration(other than plats and plans),the bylaws and the rules and regulations of the association.
❑ PLANNED COMMUNITY(HOMEOWNER ASSOCIATION). The Property is part of a planned community as defined by
the Uniform Planned Community Act.Section 5407(a)of the Act requires Seller to furnish Buyer with a copy of the declara-
tion(other than plats and plans),the bylaws,the rules and regulations of the association,and a Certificate containing the pro-
visions set forth in Section 5407(a)of the Act.
(B) THE FOLLOWING APPLIES TO PROPERTIES THAT ARE PART OFA CONDOMINIUM OR A PLANNED COMMUNITY:
`� = 1. Within 15 DAYS from the Execution Date of this Agreement, Seller, at Seller's expense,will request from the associa-
+,�°• tion a Certificate of Resale and any other documents necessary to enable Seller to comply with the relevant Act.The Act pro-
,- • vides that the association is required to provide these documents within 10 days of Seller's request.
� - 2. Seller will promptly deliver to Buyer all documents received from the association.Under the Act,Seller is not liable to Buyer
for the failure of the association to provide the Certificate in a timely manner ar for any incorrect information provided by the
association in the Certificate.
3. The Act provides that Buyer may declare this Agreement VO1D at any time before Buyer receives the association documents and for
5 days after receipt,OR until settlement,whichever occurs first. Buyer's notice to Seller must be in writing;upon Buyer declaring
this Agreement void,all deposit monies will be retumed to Buyer according to the terms of Paragraph 26 of this Agreement.
DS
Buyer Initials: C / ASR Page 9 of 13 Seller Initials�/
. 4. If the association has the right to buy the Property(right of first refusal), and the association exercises that right, Seller will
rei.mburse Buyer for any costs incurred by Buyer for any inspections or certifications obtained according to the terms of the
� , Agreement, and any costs incurred by Buyer for: (1)Title search, title insurance and/or mechanics' lien insurance, or any fee
for cancellation;(2)Flood insurance,fire insurance,hazard insurance,mine subsidence insurance,or any fee for cancellation;
��,•: (3)Appraisal fees and charges paid in advance to mortgage lender.
+ i�.TITLES,SURVEYS AND COSTS(4-14)
� (A) T'he Property will be conveyed with good and marketable title that is inswable by a reputable title insurance company at the reg-
ular rates, free and clear of all liens, encumbrances,and easements,excepting however the following: existing deed restrictions;
historic preservation restrictions or ordinances;building restrictions;ordinances;easements of roads; easements visible upon the
ground; easements of record;and privileges or rights of public service companies,if any.
. (B) Buyer will pay for the following: (1)Title search, title insurance and/or mechanics' lien inswance, or any fee for cancellation;
(2) Flood insurance, fire insurance, hazard insurance,mine subsidence insurance, or any fee for cancellation; (3)Appraisal fees
and charges paid in advance to mortgage lender; (4)Buyer's customary settlement costs and accruals.
(C) Seller has the right,upon request,to receive a free copy of any title abstract for the Properiy from the party for whom it was prepared.
(D) Any survey or surveys required by the title insurance company or the abstracting company for preparing an adequate legal
description of the Properiy (or the correction thereo�will be obtained and paid for by Seller.Any survey or surveys desired by
_ Buyer or required by the mortgage lender will be obtained and paid for by Buyer.
(E) In the event of a change in Seller's financial status affecting Seller's ability to convey title to the Property on or before the
_ Settlement Date, or any extension thereof, Seller shall promptly notify Buyer in writing. A change in financial status includes,
but is not limited to, Seller filing bankruptcy; filing of a foreclosure lawsuit against the Property; entry of a monetary judgment
. against Seller;notice of public tax sale affecting the Property; and Seller learning that the sale price of the Property is no longer
sufficient to satisfy all liens and encumbrances against the Property.
_. (F) If Seller is unable to give good and marketable title that is insurable by a reputable title insurance company at the regular rates, as
specified in Paragraph 17(A),Buyer may terminate this Agreement by written notice to Seller,with all deposit monies returned to
Buyer according to the terms of Paragraph 26 of this Agreement. Upon termination, Seller will reimburse Buyer for any costs
incurred by Buyer for any inspections or certifications obtained according to the terms of this Agreement,and for those items spec-
ified in Paragraph 17(B)items(1),(2),(3)and in Paragraph 17(D).
(G) Oil,gas, mineral,or other rights of this Properiy may have been previously conveyed or leased, and Sellers make no representa-
tion about the status of those rights unless indicated elsewhere in this Agreement.
, � Oil, Gas and Mineral Rights Addendum (PAR Form OG]VI) is attached to and made part of this Agreement.
(H) COAL NOTICE(Where Applicable)
TH[S DOCUML-NT MAY NOT SELL,CONVEY,TRANSFER, fNCLUDE OR INSURE THE TITLE TO THE COAL AND RiGHTS OF SUPPORT UNDERNEATH
THE SURFACE LAND DESCRIBED OR REFERRED TO HEREIN,AND THE OWNER OR OWNERS OF SUCH COAL MAY HAVE THE COMPLETE LEGAL
RIGHT TO REMOVE ALL SUCH COAL AND IN THAT CONNECTION, DAMAGE MAY RESULT TO THE SURFACE OF THE LAND AND ANY HOUSE,
- BUILDING OR OTHER STRUCTURE ON OR IN StJCH LAND. (TIl1S 170t1CC 1S Set f01'tI] lll tI1C 1113ririC1'pl'OVIdOd lll S6CtlOri 1 Of the ACt Of
July 17, 1957,P.L. 984.)`Buyer acknowledges that he may not be obtaining the right of protection against subsidence resulting
:!: from coal mining operations,and that the property described herein may be protected from damage due to mine subsidence by a
_�� private contract with the owners of the economic interests in the coal. This acknowledgement is made for the purpose of com-
-+- plying with the provisions of Section 14 of the Bituminous Mine Subsidence and the Land Conservation Act of April 27, 1966."
Buyer agrees to sign the deed from Seller which deed will contain the aforesaid provision.
>.�� (1) The Property is not a"recreational cabin"as defined in the Pennsylvania Construction Code Act unless otherwise stated here:
. (J) 1. This property is not subject to a Private Transfer Fee Obligation unless otherwise stated here:
O Private Transfer Fee Addendum (PAR Form PTF)is attached to and made part of this Agreement.
. 2. Notices Regarding Private Transfer Fees: In Pennsylvania,Private Transfer Fees are defined and regulated in the Private Transfer
Fee Obligation Act(Act 1 of 2011;68 Pa.C.S. §§8101,et,seq.),which defines a Private Transfer Fee as"a fee that is payable upon
the transfer of an interest in real properry,or payable for the right to make or accept the transfer,if the obligarion to pay the fee or charge
runs with title to the properiy or otherwise binds subsequent owners of property,regardless of whether the fee or chazge is a fixed
amount or is determined as a percentage of the value of the property,the purchase price or other consideration given for the transfer."
� A Private Transfer Fee must be properly recorded to be binding,and sellers must disclose the existence of the fees to prospective buy-
• ers.Where a Private Transfer Fee is not properly recorded or disclosed,the Act gives certain rights and protections to buyers.
-= l8. MA[NTENANCE AND RISK OF LOSS(1-14)
� c (A) Seller will maintain the Property (including, but not limited to, structures, grounds, fixtures, appliances, and personal property)
- specifically listed in this Agreement in its present condition,normal wear and tear excepted.
� (B) If any part of the Property included in the sale fails before settlement, Seller will:
-. 1. Repair or replace that part of the Property before settlement, OR
. 2. Provide prompt written notice to Buyer of Seller's decision to:
a. Credit Buyer at settlement for the fair market value of the failed part of the Property,as acceptable to the mortgage lender,
- _ if any, OR
b. Not repair or replace the failed part of the Property, and not credit Buyer at settlement for the fair market value of the
failed part of the Property.
3. If Seller does not repair or replace the failed part of the Property or agree to credit Buyer for its fair market value,or if Seller
fails to notify Buyer of Seiler's choice, Buyer will notify Seller in writing within�_DAYS or before Settlement Date,
whichever is earlier,that Buyer will:
DS
Buyer Initials: �� / ASR Page 10 of l3 Seller Initials:�_/
- �- a. Accept the Property and agree to the RELEASE in Paragraph 28 of this Agreement, OR
b. Terminate this Agreement by written notice to Seller,with all deposit monies returned to Buyer according to the terms of
�' Paragraph 26 of this Agreement.
If Buyer fails to respond within the time stated in Paragraph 18(B)(3)or fails to terminate this Agreement by written notice
� to Seller within that time, Buyer wiil accept the Property and agree to the RELEASE in Paragraph 28 of this Agreement.
- (C) Seller bears the risk of loss from fire or other casualties until settlement. If any property included in this sale is destroyed and not
replaced prior to settlement,Buyer will:
1. Accept the Property in its then current condition together with the proceeds of any insurance recovery obtainable by Seller,OR
2. Terminate this Agreement by written notice to Seller, with all deposit monies returned to Buyer according to the terms of
Paragraph 26 of this Agreement.
� 19.HOME WARRANTIES(1-10)
� At or before settlement,either party may purchase a home warranty for the Property from a third-party vendor.Buyer and Seller under-
� stand that a home warranty for the Property does not alter any disclosure requirements of Seller, will not cover or warrant any pre-
existing defects of the Property, and will not alter,waive or extend any provisions of this Agreement regarding inspections or certifi-
cations that Buyer has elected or waived as part of this Agreement.Buyer and Seller understand that a broker who recommends a home
warranty may have a business relationship with the home warranty company that provides a financial benefit to the broker.
20.RECORDING(9-05)
This Agreement will not be recorded in the Office of the Recorder of Deeds or in any other office or place of public record. If Buyer
causes or permits this Agreement to be recorded, Seller may elect to treat such act as a default of this Agreement.
�' 21.ASSIGNMENT(1-10)
This Agreement is binding upon the parties,their heirs,personal representatives,guardians and successors,and to the extent assigna-
ble,on the assigns of the parties hereto. Buyer will not transfer or assign this Agreement without the written consent of Seller unless
� otherwise stated in this Agreement.Assignment of this Agreement may result in additional transfer taxes.
22.GOVERNING LAW,VENUE AND PERSONAL JURISDICTION(9-05)
(A) The validity and construction of this Agreement,and the rights and duties of the parties,will be governed in accordance with the
laws of the Commonwealth of Pennsylvania.
� (B) 'i'he parties agree that any dispute,controversy or claim arising under or in connection with this Agreement or iu performance by either
party submitted to a court shall be filed exclusively by and in the state or federal courts sitting in the Commonwealth of Pennsylvania.
� 23.FOREIGN INVESTMENT IN REAL PROPERTY TAX ACT OF 1980(FIRPTA)(4-14)
� The disposition of a U.S.real property interest by a foreign person(the transferor)is subject to the Foreign Investment in Real Property
Tax Act of 1980 (FIRPTA) income tax withholding. FIRPTA authorized the United States to tax foreign persons on dispositions of
U.S.real property interests.This includes but is not limited to a sale or exchange,liquidation,redemption,gift,transfers,etc. Persons
purchasing U.S. real property interests (transferee) from foreign persons, certain purchasers' agents, and settlement officers are
required to withhold 10 percent of the amount reali.zed(special rules for foreign corporations).Withholding is intended to ensure U.S.
��� ta�cation of gains realized on disposition of such interests. 'The transfereeBuyer is the withholding agent. If you are the
transfereeBuyer you must find out if the transferor is a foreign person as defined by the Act. If the transferor is a foreign person and
:� � you fail to withhold,you may be held liable for the ta�c.
��{� 24. NOTICE REGARDING CONVICTED SEX OFFENDERS(MEGAN'S LAW)(4-14)
� The Pennsylvania General Assembly has passed legislation(often referred to as"Megan's Law,"42 Pa.C.S. � 9791 et seq.)providing
for community notification of the presence of certain convicted sex offenders. Buyers are encouraged to contact the municipal
� police department or the Pennsylvania State Police for information relating to the presence of sex offenders near a particular prop-
� erty, or to check the information on the Pennsylvania State Police Web site at www.pameganslaw.state.pa:us.
� 25. REPRESENTATIONS(1-10)
��- (A) All representations, claims, advertising, promotional activities, brochures or plans of any kind made by Seller, Brokers, their
licensees, employees, officers or partners are not a part of this Agreement unless expressly incorporated or stated in this
Ageement. This Agreement contains the whole agreement between Seller and Buyer, and there are no other terms, obligations,
� covenants, representations, statements or conditions, oral or otherwise, of any kind whatsoever concerning this sale. This
Agreement will�ot be altered,amended,changed or modified except in writing executed by the parties.
� (B) Unless otherwise stated in this Agreement, Buyer has inspected the Property (including fixtures and any personal property
specifically listed herein) before signing this Agreement or has waived the right to do so, and agrees to purehase the
Property IN ITS PRESENT CONDITION,subject to inspection contingencies elected in this Agreement.Buyer acknowledges
= that Brokers,their licensees,employees, of�icers or parmers have not made an independent examination or determination of the
� structural soundness of the Property, the age or condition of the components, environmental conditions,the permitted uses,nor
of conditions existing in the locale where the Property is situated;nor have they made a mechanical inspection of any of the sys-
�- tems contained therein.
� (C) Any repairs required by this Agreement will be completed in a workmanlike manner.
(D) Broker(s)have provided or may provide services to assist unrepresented parties in complying with this Agreement.
26.DEFAULT,TERMINATION AND RETURN OF DEPOSITS(4-14)
(A) Where Buyer terminates this Agreement pursuant to any right granted by this Agreement,Buyer will be entitled to a return of alt
deposit monies paid on account of Purchase Price pursuant to the terms of Paragraph 26(B), and this Agreement will be VOID.
Termination of this Agreement may occur for other reasons giving rise to claims by Buyer and/ar Seller for the deposit monies.
(B) Regardless of the apparent entitlement to deposit monies, Pennsylvania law does not allow a Broker holding deposit monies to
determine who is entitled to the deposit monies when settlement does not occur. Broker can only release the deposit monies:
1. If this Agreement is terminated prior to settlement and there is no dispute over entitiement to the deposit monies.A written
agr signed by both parties is evidence that there is no dispute regarding deposit monies.
Buyer Initials: C� / ASR Page l l of 13 Seller Initials�_/
2. lf, after Broker has received deposit monies, Broker receives a written agreement that is signed by Buyer and Seller,
directing Broker how to distribute some or all of the deposit monies.
� 3. According to the terms of a final order of court.
� . 4. According to the terms of a prior written agreement between Buyer and Seller that directs the Broker how to distribute
� - the deposit monies if there is a dispute between the parties that is not resolved. (See Paragraph 26(C))
� (C) Buyer and Seller agree that if there is a dispute over the entitlement to deposit monies that is unresolved days(180 if
- not specified) after the Settlement Date stated in Paragraph 4(A), or any written e�ensions thereof, the Broker holding the
deposit monies will, within 30 days of receipt of Buyer's written request, distribute the deposit monies to Buyer unless the
��� Broker is in receipt of verifiable written notice that the dispute is the subject of litigation ar mediation. If Broker has received
+' verifiable written notice of litigation prior to the receipt of Buyer's request for distribution, Broker will continue to hold the
deposit monies untii receipt of a written distribution agreement between Buyer and Seller or a final court order.Buyer and Seller
are advised to initiate]itigation for any portion of the deposit monies prior to any distribution made by Broker pursuant to this
paragraph. Buyer and Seller agree that the distribution of deposit monies based upon the passage of time does not legally deter-
rnine entitlement to deposit monies, and that the parties maintain their legal rights to pursue litigation even after a distribution
� - is made.
(D) Buyer and Seller agree that a Broker who holds or distributes deposit monies pursuant to the terms of Paragraph 26 or
� Pennsylvania law will not be liable. Buyer and Seller agree that if any Broker or affiliated licensee is named in litigation
- regarding deposit monies,the attorneys'fees and costs of the Broker(s)and licensee(s)will be paid by the party naming
them in litigation.
« (E) Seller has the option of retaining all sums paid by Buyer,including the deposit monies,should Buyer:
- 1. Fail to make any additional payments as specified in Paragraph 2, OR
2. Furnish false or incomplete information to Seller, Broker(s), or any other party identified in this Agreement concerning
Buyer's legal or financial status, OR
3. Violate or fail to fulfill and perform any other terms or conditions of this Agreement.
(F) Unless otherwise checked in Paragrap6 26(G), Seller may elect to retain those sums paid by Buyer, including deposit
monies:
� 1. On account of purchase price, OR
2. As monies to be applied to Seller's damages, OR
� 3. As liquidated damages for such default.
(G)� SELLER [S LIMITED TO RETAINING SUMS PAID BY BUYER, INCLUDING DEPOSIT MONIES, AS LIQUI-
DATED DAMAGES.
(H) If Seller retains all sums paid by Buyer,including deposit monies,as liquidated damages pursuant to Paragraph 26(F)or(G),
Buyer and Seller are released from further liability or obligation and this Agreement is VOID.
� (1) Brokers and licensees are not responsible for unpaid deposits.
� 27.MEDIATION(1-10)
Buyer and Seller will submit all disputes or claims that arise from this Agreement, including disputes and claims over deposit
-� monies,to mediation.Mediation will be conducted in accordance with the Rules and Procedures of the Home Sellers/Home Buyers
Dispute Resolution System, unless it is not available, in which case Buyer and Seller will mediate according to the terms of the
mediation system offered or endorsed by the local Association of Realtors�. Mediation fees,contained in the mediator's fee sched-
ule,will be divided equally among the parties and will be paid before the mediation conference. T'his mediation process must be
� concluded before any pariy to the dispute may initiate legal proceedings in any coumoom,with the exception of filing a summons
if it is necessary to stop any statute of limitations from expiring.Any agreement reached through mediation and signed by the par-
ties will be binding.Any agreement to mediate disputes or claims arising from this Agreement will survive settlement.
- 28. RELEASE(9-OS)
Buyer releases, quit claims and forever discharges SELLER,ALL BROKERS, their LICENSEES,EMPLOYEES and any
� OFFICER or PARTNER of any one of them and any other PERSON, FIRIVI or CORPORATION who may be liable by or
, through them, from any and all claims, losses or demands, including,but not limited to, personal injury and properiy damage
• and all of the consequences thereof, whether known or not,which may arise from the presence of termites ar other wood-boring
insects,radon, lead-based paint hazards,mold, fungi or indoor air quality, environmental hazards,any defects in the individual on-
lot sewage disposal system or deficiencies in the on-site water service system, or any defects or conditions on the Property. Should
� Seller be in default under the terms of this Agreement or in violation of any Seller disclosure law or regulation,this release does not
r � deprive Buyer of any righi to pursue any remedies that may be available under law or eguity.This release will survive settlement.
� 29. REAL ESTATE RECOVERY FUND(9-05)
A Real Estate Recovery Fund exists to reimburse any persons who have obtained a final civil judgment against a Pennsylvania
��' rea]estate licensee(or a licensee's affiliates)owing to fraud,misrepresentation,or deceit in a real estate transaction and who have
� been unable to collect the judgment after exhausting all legal and equitable remedies. For complete details about the Fund, call
� (717)783-3658 or(800)822-2113 (within Pennsylvania)and(7t7)783-4854(outside Pennsylvania).
�" 30.COMMUNICATIONS WITH BUYER AND/OR SELLER(1-10)
� Wherever this Agreement contains a provision that requires or allows communication/delivery to a Buyer, that provision shall be
' satisfied by communication/delivery to the Broker for Buyer,if any,except for documeots required to be delivered pursuant to
Paragraph 16. lf there is no Broker for Buyer, those provisions may be satisfied only by communication/delivery being made
directly to the Buyer,unless otherwise agreed to by the parties.Wherever this Agreement contains a provision that requires or allows
DS
Buyer Initiais:�_/ ASR Page 12 of 13 Seller lnitials���/
l ��__
� , commu�ication/delivery to a Seller,that provision shall be satisfied by communication/delivery to the Broker far Seller,if any.If
there is no Broker for Seller,those provisions may be satisfied only by communication/delivery being made directly to the Seller,
� � unless otherwise agreed to by the parties.
31.HEADINGS(414)
The section and paragraph headings in this Agreement are for convenience only and are not intended to indicate all of the mat-
ter in the sections which follow them. They shall have no effect whatsoever in determining the rights, obiigations or intent of
the parties.
� 32.SPECIAL CLAUSES(1-10)
� (A) The following are attached to and made part of this Agreement if checked:
❑ Sale& Settlement of Other Properiy Contingency Addendum (PAR Fonn SSP)
❑ Sale& Settlement of Other Properiy Contingency with Right to Continue Marketing Addendum (PAR Form SSPCM)
❑ Sale& Settlement of Other Property Contingency with Timed Kickout Addendum (PAR Form SSPTKO)
O Settlement of Other Property Contingency Addendum (PAR Form SOP)
� ❑ Appraisal Contingency Addendum (PAR Form ACA)
❑ Short Sale Addendum(PAR Form SHS)
. ❑
, ❑
, ❑
(B)Additional Terms:
{ Seller Agrees to convey property free of tenant and vacant by time of closing. If seller is unable to convey
vacant property both parties may agree to extend contract for an additional 14 days.
`=� Buyer and Seller acknowledge receipt of a copy of this Agreement at the time of signing.
This Agreement may be executed in one or more counterparts,each of which shall be deemed to be an original and which coun-
- terparts together shall constitute one and the same Agreement of the Parties.
N�TICE TO PARTIES: WHEN SIGNED,THIS AGREEMENT IS A BINDING CONTRACT. Parties to this transaction are
- advised to consult a Pennsylvania real estate attorney before signing if they desire legal advice.
Return of this Agreement, and any addenda and amendments, including return by electronic transmission, bearing the signatures
�5�� of all parties, constitutes acceptance by the parties.
� / Buyer has received the Consumer Notice as adopted by the State Real Estate Commission at 49 Pa.Code§35.336.
/ Buyer has received a statement of Buyer's estimated closing costs before signing this Agreement.
/ Buyer has received the Deposit Money Notice (for cooperative sales when Broker for Seller is holding deposit
� money)befare signing this Agreement.
+ / Buyer has received the Lead-Based Paint Hazards Disclosure,which is attached to this Agreement of Sale.Buyer
has received the pamphlet P�o�e��9 d��u,r Family from Lead in Your Home(for properties built prior to 1978).
;`����,i�- Member 11/4/2014
BUYER =21 V ft 1'C , DATE
BUYER DATE
> BUYER DATE
� Seller has received the Consumer Notice as adopted by the State Real Estate Commission at 49 Pa. Code § 35.336.
Seller has received a statement of Seller's estimated closing costs before signing this Ageement.
� SELLER r DATE I��
SELLER � ��� �� DATE
•/�Jj'6wY�
SELLER DATE
ASR Page 13 of 13
�Q�A,NEW��yo` OAIIB ApProval No.2502-0265
_�`���= A. Settlement Statement (HUD-1)
�aRN GE�Eb
B. Type of Loan
1.❑FHA 2.�RHS 3.�X Conv.Unins. 6. File Number: 7. Loan Number: 8. Mortgage Insurance Case Number:
4.Q VA 5.Q Conv.Ins. ISLSt4317
C. Note: This form is furnished to gNe you a statemenf of adual sett/emenf cosfs. Amounts paid to and by fha setdemenf aqent are shown.
Items marked"(p.o.c.)"were paid outside the cbsing:fheY eie shown here/or informationa/purposes and are nof induded in fhe tota/s
D. Name and Address of Borrower: E. Name and Address of Seller: F. Name and Address of Lender:
8219�kntures,LLC Chong Hui Knab Exeatruc of Ryan C.Hess
6059Allenlown Blvd the Estate of Pil Saeng Brown 1409 Hammomdc Way
Harrisburg,PA 17112 2212 Spring Run Drive Lancaster,PA 17601
Mechanicsburg,PA 17055
G. Praperty Loptbn: H. SettlementAgent: I. Seltlement Date:
2027 Lenox Street Independent Settlement&Land Services,Inc.
Harrisburg,PA 17104 4230 Jonestown Road December 12,2014
Dauphin Counry,Pennsylvania Harrisburg,PA 17109 Ph. (71�6953641
Place of Settlement:
4230 Jonestown Road
Harrisbur ,PA 17109
J. Summary of Borrowera transaetion K. Summary of Sellefs transaction
100. GrossAmount Due from Borrower: 400. GrossAmouM Due to Seller:
101. Contred sales rice
20,000.00 401. Contract sales rioe 20,000.00
102. Personal ro 402. Personal ro
103. Settlement Char es to Borrower Line 1400 1,080.00 403.
404.
��' 405.
105.
Ad ustments for Rems aid b Saller in advance Ad ustmenta for items aid b Seller in advance
106. C' /TownTaxes 12/13/14 to Otl01/15 23.77 406. C' /TownTaxes 12/13H4 to 01/01/15 23.77
707. Coun Taxes 12/13/14 to 01/01/15 15.04 407.Coun Taxes 12/13H4 to 01/01/15 �5��
108. SchoolTaxes 12/13/14 to 07/01/15 611.61 408. SchoolTaxes 12/13/14 to 07/01/15 611.61
109. 409.
110. 410.
111. 411.
112. 412.
720. Gross Amount Due from Bortower
21,730.42 420.Grosa Amount Due to Seller 20,650.42
200. Amounts Paid b or in Behalf of Borrower 500. Reductions in Amount Due Seller.
201. De it or earnest mon 501. F�ccess de ' see instrud'ans
202. Prin' al amount of new ban s
24,000.00 502. SettlemeM char es to Seller Line 1400 ��90
203. Ebstin ban s taken sub' d to 503. 6asstin ban s taken su " to
Z� Sp4, Payoff First MoAgage
205. 505. P ofl Secand Mort a
206. �.
207. �7.
208. 5�.
2� 509.
Ad ustments for items un aid b Seller Ad ustments for Items un aid b Seller
to 5'10.C /Town Taxes ��
210. C' /Town Taxes 511. Coun Taxes �a
211. Coun Taxes to
212. SchoolTaxes to 512. SchoolTaxes to
213. 513.
214. 514.
215. 515.
216. 516.
217. 517.
218. 518.
219. 519.
220. Total Paid b Ifor Borrower
24,000.00 520. Total ReducNon Amount Due Seller 485.90
300. Cash at Settlement fromko Borrower 600. Cash at settlement tolfrom Seller ZO 650.42
301. Gross amouM due from Borrower Gne 120 21.730.42 601. Gross amount due to SeHer line 420 � �5�
302. Less amount paid b/for Borrower(Nne 220) ( 24,000.00) 602. Less redud'ans due Seller(Gne 520
� ❑X To Borrower 2,269.58 603. Cash �To � From Seiler 20,164.52
303. Cash From
'P8E alsitle rf tlaing q haroxa(B).eeiler(S),lendar(L),a Ihifbprly(T)
71e P�tllc Repntlrg ErCm/ur Cis cdlectim d irlarmatlm ia estimeted g J5 mintec per resporoefor cdlectlng�eriednB.antl repvtlrg Nie dela TNs aperoY ma/�nl cdleclltie IKamatlal�ya+ge nq reqJretl b campeie
tYla farm.W ees it 6spaya e arrently vali00M8 carbd runber.No carlltlen6aliry Is neired�e Aatlave la matlHay.TFie is Eesigetl ro R���7°�e°t°e RESil4cwaeC tremacbai`Mth IK°rt"eb°�Qrl"➢�°aetllem erd
process.
Page 1 of 3 HUD-1
(I SLS14317.PF D/I SLS14317/9)
L.Settlement Cha es
700.ToWI ReaPEstate Broker Fees Pad From Peid From
Qhnsbn olcommissian(line 700)as folbws: Banvarefs Sellels
Funds at Furds el
701.$ to
Settlement SettlemeM
702.$ to
703.Commissan aid at settlement
704.
705.
500.Rems Payable in Conneetfon wkh Losn
801.Our or' inatbn char e $ from GFE#1
802.Your aedit or char e oints for the afic interest rate chosen from GFE#2
803.Your ad'usted or' inatan char es to R n C.Hess from GFE#A ���
804. reisal fee to ftom GFE#3
805.Credk Re rt ta from GFE#3
806.Tax service to from GFE#3
807.Flood certificatan to from GFE#3
808.Document Pre aration F to Johnna J.Ko E . from GFE#3 ��•�
B09 from GFE#3
81 p from GFE#3
909.kems Required by Lender to 8e Paid in Advance
901.Dai interest char es from to $/da hom GFE#10
902.Mortgage insurance premium for months to (from GFE#3)
903.Homeowner's insurance for years to (from GFE#11)
9� (from GFE#11)
905. (from GFE#11)
100U.Reserves Deposited wtth Lender
1001.Indial deposil for your escrow acoount (from GFE#9)
1002.Homeowner's insurance months @ $ per moMh S
1003.Mort a e insurance months S r month $
1004.Property ta�s $
1005.
10� months @ $ per month $
��� months � $ per month $
1008. $
1009. $
1100.Title Charges
1701. Tkle services and lender's tRle insurance (from GFE ri4)
1102. Settlement or dosin fee $
1103. Owner's title insurance to Okf Republic Natbnal Title Insurance Compan (from GFE#5) 500.00
1104. Lender's tRle insurance to Old Republic Nal'anal Title Insurance Comparry 3
1105. Lender's title poli�y lim� S
1106. Owner's litle pol'wy limd $ 20,000.00
��p�, AgenYs portbn of the total title insu�ance premium to Independent Settlement&Land Servioes,Inc. S 425.00
1108. Underwriter's portion of the total title insurance premium to Old RepubFc Natbnal Tdle Insurance Company $ �5•�
1109. $
1110. $
1111. $
1112. $
1713. $
1200.Govemment Ftewrdin antl TransferCh es 180�
1201.Government recordin char es to Dau hin Coun Recorder of Deeds from GFE#
1202.Dced $ 79.00 MoR a $ 101.00 Releases$ Other 3
1203.Transfer t�ces to Dauphin County Recorder of Deeds (from GFE#8) 2�•�
1204.C' /Coun tax/stam s Deed $ 200•00 Mort a e$
1205.State tax/stam s Deed $ 200•00 Mort e 3 Z�'�
1z� Dauphin County Recorder of Deads
120Z
130�.Addkional3ettlement Cheeges
1301.Required services that you pn shop for (from GFE p6)
1302.WaterTerminatbn Fee to CapRal Region Water $ Z5.00
1303. Final Utility Fees to Capdal Regbn Water S 180.90
1304. Reimbursement Crty Sheet to 8219 Uentures,LLC 3 80.00
1305.Transad'an Fae to Dorshan MiNhause $ 100.00
1400.Total Settlement Charges(enter on lines 103,Sectlon J and 502,Section K) 1,08�.00 485,90
•aae a,aloe a uosiro M tanw.er(9).sd�er(Sl.�a,ex(U,ar wraoen'i(r)
Cerlified to be a lrue copy.
Page 2 of 3 HUD-1
(ISLS14317.PFD/IS1S14317/9)
, , HUD-1 Attachment
Bort�ower(s):8219 Ventures, LLC Selle(s): Chong Hui Knab Executrix of the Estate
of Pil Saeng Brown
6059 Allentown Blvd 2212 Spring Run Drive
Harrisburg, PA 17112 Mechanicsburg,PA 17055
�ender:Ryan C. Hess
Settiement Agent:Independent Setttement&Land Services, Inc.
(717)695-3641
Piace of Settlement:4230 Jonestown Road
Harrisburg,PA 17109
Settiement�ate:December 12,2014
Property Location:2027 Lenox Street
Harrisburg,PA 17104
Dauphin County, Pennsylvania
Owner's Title Insurance BORROWER SELLER
Owner's Policy Premium 500.00
to Old Republic National Title Insurance Company
Total $ 500.00 S 0.00
I have carefully reviewed the HUD-1 Settiement Statement and to the best of my knowledge and belief,it is a true and
accurate statement of all receipts and disbursements made on my account or by me in this transaction. I further
certify that I have received a copy f the HUD-1 Settlement Statement.
8219 Ventures, LLC / Estate of Pil Saeng Brown
U � / .•� �-�P(',
BY: BY � �
Leo A. o ,Jr., e r ong ui Knab Executrix
To the best of my knowledge,the HUD-1 Settlement Statement which I have prepared is a true and accurate accouM
of the funds which were received and have been or will be disbursed by the undersigned as part of the settlement of
this transaction.
Ind ndent S ment ervices, Inc.
9
WARNING: It is a crime to knowingly make false statements to the United States on this or any similar form. Penalties upon conviction can
include a fine and imprisonment. For deWils see: Title 18 U.S.Code Section 1001 and Seetion 1010.
(ISLS 14317.PF D!I S1S1437 7/9)
Tax Parcel No. O1-001-098-000-0000
THIS INDENTURE,
MA.DE THE J d-+n day of ��GP.vv4b�,,r�' in the year two
thousand fourteen (2014)
BETWEEN CHONG HUI KNAB, Executrix of the Estate of PIL
SAENG BROWN, late of Mechanicsburg, Cumberland
County, Pennsylvania, party of the first part,
and 8219 VENTURES, LLC, a Pennsylvania Limited
Liability Company, of Harrisburg, Dauphin County,
Pennsylvania, party of the second part:
WHEREAS, the said PIL SAENG BROWN by her Last Will and Testament,
duly proved and recorded in the Cumberland County Register of
Wills Office, Pennsylvania, in Docket Book 21-14-0366, Letters
Testamentary being issued on April 16, 2014, provided, in
pertinent part, as follows :
SIXTH: I appoint CHONG HUI KNAB to be my Executor.
WHEREAS, the within sale is made pursuant to Section 3532 of the
Probate, Estates and Fiduciaries Code (20 Pa.C.S .A. § 3532) .
NOW THIS INDENTURE WITNESSETH, that the said parties of the first
part, by virtue of the power and authority aforesaid, in said
Last Will and Testament contained, and in consideration of the
sum of Twenty Thousand and 00/100 Dollars ($20, 000 . 00) to her
paid by the said party of the second part, at and before the
ensealing and delivery of these presents, the receipt whereof is
hereby acknowledged, have granted, bargained, sold and conveyed,
and does hereby grant, bargain, sell and convey to the said party ,
of the second part, its heirs and assigns forever: .
ALL THAT CERTAIN tract or parcel of ground situate in the City of
Harrisburg, County of Dauphin, Commonwealth of Pennsylvania, more
particularly bounded and described according to survey of William
E. Sees, Jr. , Professional Engineer, dated September 30, 1957, as
follows, to wit:
BEGINNING at a point on the Southwest corner of the intersection
of wister Street and Lenox Street; thence Southwardly along the
West side of Wister Street, one hundred ten and thirty one-
hundredths (110 . 30) feet to the North side of twelve (12) feet
wide unnamed alley; thence Westwardly along the same three and
twenty one-hundredths (3 . 20) feet to a point at the dividing line
between Lots Nos . 118 and 119 on the hereinafter mentioned Plan
of Lots; thence North eight (08) degrees forty-three (43) minutes
West along the same, one hundred (100) feet to a point on the
South side of Lenox Street; thence Eastwardly along the same,
forty-nine and seventy one-hundredths (49 . 70) feet to a point,
the place of BEGINNING.
BEING Lot No. 119 on Plan "I" , of Cloverly Heights, Section "B" ,
recorded in Plan Book "G" , Page 18, Dauphin County records .
HAVING thereon erected a two story brick dwelling house, known
and numbered as 2027 Lenox Street.
BEING the same premises which Shearer Real Estate, Inc. , a
Pennsylvania Corporation, by deed dated September 29, 1970 and
recorded September 29, 1970, in the Dauphin County Recorder of
Deeds Office at Deed Book F, Volume 56, Page 97, granted and
co.nveyed unto Pil Saeng Brown. The said Pil Saeng Brown died
March 9, 2014 .
UNDER AND SUBJECT to the easements and restrictions of
instruments of prior record.
TOGETHER with all and singular ways, waters, water-courses,
rights, liberties, privileges, hereditaments and appurtenances
whatsoever thereunto belonging, or in anywise appertaining, and
tYie reversions and remainders, rents, issues and profits thereof;
and all the estate, right, title, interest, property, claim and
demand whatsoever of the said Pil Saeng Brown, in law or equity
or otherwise howsoever, of, in, to or out of the same :
TO HAVE AND TO HOLD the said granted premises to the said party
of the second part, its heirs and assigns forever.
AN� the said party of the first part, does covenant, promise,
grant and agree, to and with the said party of the second part,
its heirs and assigns, by these presents, that the said party of
the first part, have not done, committed, or knowingly or
willingly suffered to be done, any act, matter or thing what-
soever, whereby the .premises aforesaid, or any part thereof, is,
are, shall or may be charged or encumbered, in title, charge or
estate, or otherwise howsoever.
IN WITNESS WHEREOF, said party of the first part has hereunto set
her hand and seal the day and year first above written.
Signed, Sealed and Delivered
in the Presence of
a��,� � , �JC e��
'(S EAL)
CHONG KN , Execu rix of the
Estate of PIL SAENG BROWN
COMMONWEALTH OF PENNSYLVANIA .
/� . SS .
COUNTY OF l.,t.�r�-�c�s- I r=..r•c� .
�?-
On this, the ( z day of � ���r•-.b�c^ , 20I4, before me,
the undersigned officer, personally appeared CHONG HUI KNAB,
Executrix of the Estate of Pil Saeng Brown, known to me (or
satisfactorily proven) to be the person whose name is subscribed
to the within instrument, and acknowledged that she executed the
same for the purposes therein contained.
IN WITNESS WHEREOF, I hereunto set my hand and official
seal .
, .
� (SEAL)
,, Notary Public
� . �
� � NOTARIAISEAI
" ' " OIANE MONTGOMERI;NOTARY PUBLJC
� � SHIREMANSTOWN BOROUGH,q1MBERUWD COUMY
- MY COMMISSION EXPIRES AUGUST 3,2017
I do hereby certify that the precise residence and comple��� ��J�.
post office address of the within named grantee is (n4��1 �b���, ��;,liZ
J�J�cr�.�,be�- I2 , a o 14
A Q � tee
Rev-1508 EX+(�7-10)
SCHEDULE E
pennsylvania CASH, BANK DEPOSITS, & MISC.
DEPARTMENT OFREVENUE p E RSO NAL P RO P E RTY
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Brown, Pil Saeng 21-14-0366
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly-owned with the right of survivorship must be disclosed on schedule F.
ITEM VALUE AT pATE
NUMBER DESCRIPTION OF DEATH
1 2005 Toyota Corolla -VIN#2T1 BR32E85C501918; Kelley Blue Book Value$5,536.00. 5,536.00
2 Personal Property-sold at private sale 500.00
TOTAL(Also enter on Line 5, Recapitulation) 6,036.00
(If more space is needed,additional pages of the same size)
Copyright(c)2010 form software only The Lackner Group, Inc. Form PA-1500 Schedule E(Rev. 11-10)
' Kelley Blue Book Page 1 of 2
� ,i�„*+��
�� � K@���1 B�U@ BOOK Tfie Trusted ResourcE"
� t
� ��- � } ��� ��� � � �'"" °�`-'��,����� C�TOYOTA
r€ .�� s, f � �a�..» r �-�����. , �'�: tartyOoPirca .
�t� , r � �,�t � �� ° ,+ a �=.
s��w�;���t*�,��`6i�`�.y�� t � r s.� . � �.� +�� ,�.� �
�„ . s'� � `� �
•:'�` �,.,�::_ �.i'h"�� F �r��e..�'a;,4�``�;;` .i�" ;;��;_
pd4ero�� Why ads7
Sell To Private Party
2005 Toyota Corolta ,
Pricing Report " ��
�r Cond'n;«t very cood
Cvndition �r7.�8� Condtion
$5,535 $5,341
E[CeldmtS
-'`�'' �� $�/l8:CE SEdan 4D Condition
Mileage:ioo,000 $6,586
,.,,
�
.�-��-•-�-R-
Vehicle Highlights �'
Fuel Economy: Max Seating:5 P����Y�alues valid for your area through 4/17/2014
City 26/Hwy 35/Comb 29 MPG
Doors:4 Engine:4-Cyl,1.8 Liter
Drivetrain:FW D Trensmission:Automatic
EPA Class:Compact Cars Body Style:Sedan
Country of Origin:Japan Country of Assembly:United States
Your Configured Options
Our pre-selected options,based on tyqcal equipment for this car.
�Options that you added while configuring this car.
Engine Comfort and Convenience Safety and Security
4-Cyl,1.8 Llter Alr Conditioning Dual Nr Bags
Transmission Steering Wheels and Tires :
Automatic Power Steering Steel Wheels
Drivetrain 7ilt Wheel
�p I Entertainment and Instrumentation
AM/FM Stereo
CD(Single Disc)
Glossary of Terms
Tip:
Kelley Blue Book�Trade-in Value-This Is the amount you can expect to recelve when you trade In
your nr to a dealer.This value Is debermined based on the sryle,condition,mileage and options �t's crucial to know your car's
�rw��ced. true condition when you sell it,
Trade-In Range-The Trade-In Range is Kelley Blue Book's estimate of what you can reasonably expect so that you can price it
to recelve this week based on the m�le,condition,mileage and options of your vehlcle when you trade tt appropriately.Consider having
in to a dealer.However,every dealer is dlfferent and values are not guaranteed. yOUC fTl@CI1d111C 91V2 y0U 8C1
objective report.
Kelley Blue Book�Private Party Value-ThIs is the s�rting polnt for negotiation of a used-car sale
between a private buyer and seller.This is an"as is"value that dces not Include arry warrantles.The final
price depends on the pYs actual condition and laal market factors.
Private Party Range-The Private Parly Range is Kelley Blue Book's esdmate of what you can
reasonably expect ro receive this week for a vehlde with stated mlleage In the selected condltion and
mnfigured with your selected options,exduding taxes,dtle and fees when selling to a private party.
http://www.kbb.com/toyota/corolla/2005-toyota-corolla/ce-sedan-4d/?condition=good&ve... 4/14/2014
, Kelley Blue Book Page 2 of 2
Excellent Condition-3%of all cars we value.This wr looks new and is in excellent mechaniol
condition.It has never had paint or bodywork and has an(nterior and body free of wear and visible
defects.The car is rust-free and does not need reconditioning.Its clean engine compartment is free of
fluid leaks.It alw has a clean Utle history,has complete and verifiable service records and will pass
safety and smog inspection.
Very Good Condition-23%of all cars we value.This car has minor wear or visible defects on the body
and interior but fs in excelleM mechanical condi0on,requiring only minimal reconditioning.It has little to
ra paint and bodywork and is free of rust.Its clean engine compartment is free of fluid leaks.The tlres
match and have 75%or more of tread.It also has a clean title history,with rrrost service rernrds
available,and will pass safery and srtwg inspection.
Good Condition-54%of all cars we value.This car is free of ma�or mechaniql problems but may need
some reconditloning.Its paint and bodywork may require minor tnuch-ups,with repairable cosmetic
defects,and its engine wmpartment may have mina leaks.There are minor body scratches or dings and
minor interior blemishes,but no rust.The tires matrh and have 50°h or more of tread.It alw has a dean
title history,wfth some servke records available,and will pass safety and smog{nspecUon.
Pair Condidon-18%of all cars we value.This car has some mechanical or cosmetic defects and needs
servicing,but is still in ufe running condifion and has a clean title history.The paiM,body and/or iMerior
may need professional servidng.The tlres may need repladng and there may be some repairaMe rust
damage.
�O 1995-2014 Keliey Blue Book Co.�,Inc.All rights reserved.
�2014 Kelky Blue Book Co.,Inc.AD rYghts reserved.4/1 t/2014-4/17/2019 EditJon/or➢enn5y7vaNa]7031.The spe[I/Ic informatlon requireO to determfne the value Po�this part/cular veh/cle was supO��eE
by Ne person generating this report.Vehlck valuations are oplNons antl may vary irom vehlcle to veh/Ue.Actual valuatlans wql vary based upon market candRtons,speclflcaHons,vMicle condltlon or other
varticular ctrcumstantes pert/nenl to thls particu(ar vehlcle or[he bansactlon or Ne parnes to Ne transa[tlon.This report 8 lntentled for[he!ndlvfdua!use o/the person generatlng Mis repart only and shall
nol be sol0 or transmittetl M anoMer party.Kelley Blue Book assumes no re5pons7D!lIry for enors or ominlons.(v.14042)
http://www.kbb.com/toyotalcorolla/2005-toyota-corolla/ce-sedan-4d/?condition=good&ve... 4/14/2014
Rev-1509 EXi(01-10)
pennsylvania SCHEDULE F
DEPARTMENTOFREVENUE JOINTLY-OWNED PROPERTY
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Brown, Pil Saeng 21-14-0366
IT an asset was made joint within one year of the decedenPs date oi death,it must be reported on schedule G.
SURVIV�NG JOINT TENANT(S)NAME ADDRESS RELATIONSHIP TO DECEDENT
A. Chong Hui Brown 2212 Spring Run Drive Daughter
Mechanicsburg, PA 17055
g, Chun H. Brown 786 Fire Break Drive Son
Clarksville,TN 37040
C.
JOINTLY OWNED PROPERTY:
DESCRIPTION OF PROPERTY %OF DATE OF DEATH
ITEM LETTER DATE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANKACCOUNT DATE OF DEATH DECD�S DECED NT'S NTEREST
NUMBER FOR JOINT MADE NUMBER OR SIMILAR IDENTIFYING NUMBER.ATTACH DEED FOR VALUE OF ASSE �NTEREST
TENANT JOINT JOINTLY-HELD REAL ESTATE.
1 A 12/03/2007 PNC Bank-Checking Account No. 27,860.75 50.000% 13,930.38
5005706523. Principal balance at date of
death$27,860.75. This account is non-
interest bearing.
2 A, B 03/08/2011 PNC Bank-Money Market Account No. 4,285.42 33.333% 1,428.47
5112690168. Principal balance at date of
death$4,285.41;accrued interest$0.01.
3 B 04/15/1991 Real Estate-All that certain piece or parcel 0 171,000.00 50.000% 85,500.00
real estate being known and numbered as 23
Wild Rose Lane, Mechanicsburg, PA 17050.
The property was acquired by Pil Saeng
Brown and Chun Hyong Brown by Deed
dated April 15, 1991 and recorded April 25,
1991 in the Cumberland County Recorder of
Deeds Office,a copy of which is attached
hereto and incorporated herein. The
appraised value of this property is$171,000.
TOTAL (Also enter on Line 6,Recapitulation) 100,858.85
(If more space is needed,additional pages of the same size)
Copyright(c)2010 form software only The Lackner Group, Inc. Form PA-1500 Schedule F(Rev.01-10)
May. 6. 2014 12: 22PM PNC Bank No, 2019 P, 1/2
��.�.�
� � ��W�.'�H:�?ii���' ..
� May 6,2014
Lauren E Kays Esq_
One w lV�ain St
Shiremanstown,PA 17011 �
RE: Pil Saeng Brown
SSN: 195-50-1208
DOD: 03-09-2014
Dear Ms:Kays:
In response to your request for Date of Death(DOD)balances for the customer noted above,our
reeords show the following:
Checldng Account � �
Account#5005706523 Established: 12-03-2007
PIL SAENG BROWN
CHONG H I�NAB
JOINT'CHECKING
DOD balaz�,ce: $27,860.75 non interest bearing
Savings Account
Account#5112690168 Esta.blished: 03-08-2011
PIL SAENG BROWN
CHONG HUT KNAB
CHUN HI'ONG BROWN
DOD balance: �4,285.41 +0_O1 acciued interest
Interest paid 01-01-2014 thru 03-09-2014 $ 0.54 YTD
,
Please note tb,at thxs v£�ice provide5 date of death balances for deposit accounts(IRAs,CDs,Checking and
Savings). We do not process any financial transactioue or provide staEements. If you need assistamce with
any of these items,please call 1-888-PNC-B,ANK(1-588-762-2Z65) or stop by your local PNC Bank branch
office.
Sincerely,
National Financxal Sezvices Cez�ter
PNC Bank,N.A.
Member FDIC
Page 1 of 2
May, 6. 2014 12:22PM PNC Bank No. 2019 P, 2/2
This message is intended for the use of the individual or entity to which it is addressed and may
�contain info�mation that is privileged, confrdential and exempt fram disclosure under applrcable law_
If the reader of this message is not the intended recipienf or ehe employee or agent responsible for
delivering rhis message to the intended recipient, you are hereby notified that any dissemination, �
distribution or copying of this communications zs strictly prahibited. If you have received this
communication in error,please notify me immediately by reply or by t�elephone ut 800-7G2-1775 and
immediately destroy this faxed document
Page 2 of 2
�
• .
T 8 I S D S E D
MADE THE �S day of April in the year of our Lord one thousand
nine hundred ninety-one (1991)
BHTWEEN PTL SAENG BROWN of Silver Sprinq Township, Cumberland
County, Ggp�NTOR
! and PIL SAENG BROWN AND CHUN HYONG BROWN, ae joint tenants with
� right of aurvivora and not as tenanta in common, �
' GRANTEES
WITTISSSETB, that in consideration of One Dollar ($1.00), in hand
paid, the receipt whereof ia hereby acknowledged, the said
qrantor. doee hereby grant and convey to the said granteea.
ALL THAT CERTAIN tract of land situate in Silver Spring Township,
Cumberland County, Pennsylvania, bounded and described as
follwos� to wit:
BBGINNING at a Qoint alonq the souther aide of Wild Rose Lane,
eaid point being the dividing line of I,ots 11 and 12 on the
� hereinafter mentioned plan of lots. THENCE, along the dividinq
line of Lots 11 and 22 South 06 deqrees West, a distance of
272.64 feet to a point; THENCE North 82 degrees 39 minutes 50
seconds West, a distance of 110.03 feet to a point; THENCE, North
06 degrees East aloncj the dividing line of Lots 12 and 13, a
distance of 270.07, to a point on the Southern side of Wild Rosa
Lane; THENCE, alonq eaid Wild Roae Lane South 84 degrees 00
minutes 00 seaonds East, a distance of 110 feet to a point, the
place of BEGTNNTNG.
BEING Lot No. 12 on the Final Plan, Section 3 of Samples Bridge
Estates, said Plan being recorded in the Recorder of Deeds Office
in and for Cwaherland County in Plan Book 32, Page 33.
SUBJECT TO conditiona, restrictions, reservations and easements
contained in said pian.
HEING the same premiaes which Chun Ayonq Hrown and Yuran 8rown,
husband and wiEe by deed dated April 12,.1991 and recorded on
April 15, 1991 in Deed Hook in the Recorder of Deeds
Office, granted and conveyed unto Pil Saeng Brown.
This is a conveyance from son to mother, end is therefore exempt
from realty transEer taxes.
• 800'!(� PAGE ��S -
.
t
IN WITNESS WHEREOF, said qzantor has hereunto set her hand and .
� seal the dny aad year first above written.
Siq d, Sealed and Delivered �.�,t'�������/'L'�"'✓,�- LS
` he P sence o£ Pil Saeng own
` �
State of Pennsylvania •
: es
County of Cumberland
i
On this, the �� day of April, 1991, before me, the
undersigned officer, peraonally appeared PIL SAENG BROWN known
to me (or satisfactorily proven) to be the person whose aame is`�,'��.,,;•
subacribed to the withinq inatrument, and acknowledged that ahQ,.;.:,
executed same for the ur oses therei.a contained. :,1��•I;;�1�l�'••���.
P P ,� � s;. :�
• � `+L:-:1�=,
IN WITNESS WHEREOF, I hereunto set my hand and offi�?a�d��ri:i�;p_
seal. , ,i '• .�rQ�`^,
`��.�. � �/.� ��
"�1���:0�.��;.
ticianrR.s;�i �1F/l%�-•..
� BOfl KGF f.Ap.B1E�S.17G�AFY/"J�l;C �r�r��,,• .
StE.CUM � "'nm���`'�,
MY CDAIIAIS$ION E)(p�g�$�M CH,8��NTY .
I do hereby certi y precise residence and complet�€ post
office address of the within named rantee ' 3 Wild Roae Lane, .
Mechaniscburg, PA 17055, Cumberland o nty�
L
Att rney for antee
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Summary Appraisal Report • Residential
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of
23 Wild Rose Ln
Mechanicsburg,PA 17050
As Of:
04/29/2014
Prepared For:
Chong Hui Knab
Chong Hui Knab
2212 Spring Run Drive
Mechanicsburg,PA 17055
Prepared By:
RJ Fried
R.J.Fried&Associates
2323 Patton Road
Harrisburg,PA 17112
R.J.F�fed&Associates
Chon Hui Knab 23 Wild Rose Lane
23 Wild Rose Ln 23 Wild Rose Lane
Table of Contents
Page Title Page#
URAR Page 1 �
URAR Page 2 2
URAR Page 3 3
URAR Page 4 4
URAR Page 5 5
URAR Page 6 6
Extra Comps 45-6 7
Comments 8
Comments 9
Comments 10
Location Map ��
Sketch 12
Photo Subject 13
Photo Subject 14
Photo Subject Extra 15
Photo SubJect Extra �s
Photo Subject Extra ��
Photo Subject Extra �8
Photo Comparables 1-2-3 19
Photo Comparebles 4-5-6 20
Apprafser License Certificate 21
UAD Definition of Terms Zz
UAD Definition of Terms p2 23
UAD Definition of Terms p3 24
Exhibit 25
UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727
� R.J.Fried&Associates
' � File No. 23 Wild Rose Lane
Case No. 23 Wild Rose Lane
Uniform Residential A raisal Re ort
The u ose of is umma a raisal re o is o rovid fh lenderldi n witli an accu e and ad uatel su rted o inion ot e m value f he sub'e ro e .
Pro rt Address 23 Wild Rose Ln C' Mechanicsbu State PA Zi Code 17050
go�� Chon Hui Knab Owner of Public Record Brown Pil Saen 8 Chun H on Coun Cumberland
Le al Descri lion Deed Book 358 Pa e 745
Assessor's Parcel# 38-15-1275-035 Tax Year 2014 R.E.Taxes 2 419
Nei hboihood Name Ma Reference ADC:3004/F-7 CensusTrad 0118.01
Occu ant r Tenant X Vacant S ecialAssessments 0 PUD HOA 0 er ear ermonth
�' Pro rt Ri hfs A raised X Fee Sim le Leasehold Other describe
Assi nment T Purchase Transadion Refinance Transaction X Other desaibe MARKET VALUATION
LendedClient Chon Hui Knab Address 2212 S rin Run Drive Mechanicsbu PA 17055
Is the sub'ect ro rt currentt offered for sale or has it been offered for sale in the lwelve months rior to the effective date of this a raisal7 Yes X No
Re oR data source s used oi(erin s rice s and date s. CPML
I did did not analyze the contract fo(sale for the subject purchase Uansaction.Explain the results of ihe analysis o(the conUad for sale or why the analysis was not
erformed.
. Contract Price Date of Contract Is fhe ro e seller the owner of blic record7 X Yes No Data Source s Tax Records
Is there any financial assistance(loan charges,sale concessions,gift or downpayment assistance,etc.)lo be paid by any party on behaH of the borrowe(7 Yes No
' If Yes re oR the total dollar amount and describe the items to be aid.
Note:Race and the racial com awon oi the nel hbofiood are not a raisal facton.
Locafion Urban X Suburban Rural Pro Values Inaeasin X Stable Declinin PRICE AGE One-Unit 75 %
� Built-U X Over75% 25-75�o Under25°h DemandlSu I ShoA e X InBalance 000 2�Unil 3 %
. Growlh Ra id X Stable Slow Markelin Time Under3mlhs X 3-6mths Uer6mlhs 20 Low 1 Multi-Famil 2 %
, Nei hborhoodBo ndaries The nei hborhood boundaries are Wertr.viile Road to the North the Carlisle Pike 1 500 Hi h 140 Comme 'I 8 �
• to the South the Ham den T .Line to the East and Rt 714 to the W est 150 Pred. 60 Other 12 %
�� Nei hborhood Descri tion This ne hborhood contains o rties reflecUn similar ual' maintenance desi n and marketabA' to the su 'ect ro
The sub'ect ro is readil available to all necessa facilities includin schools em lo ent sho i and houses of worshi . Avera e
ro e maintenance r rams observed.Em lo ent is within 15-30 minute drive from sub ect ro rt .
Market CondiGons includ'n su or the a ve conciusions The search of coun tax records and the MLS service show rices stable. The MlS service
indicates that the ical ro selis i�3-6 months. Mo a e funds are readi available from a varie of sources with conventional loans bei
3.0%to 5.0°Io interest fixed 30 ear mo a e u to 3 oints.Sellers are not re uired to offer sales or financin concessions.
Dimensions No L al Descri tion Provided Area 30056 sf Sha Rectan ular View N•Res•
S cificZonin Classification R-1 Zonin Desrxi Uon Residential
Zonin Com liance X L al Le al Nonconformin Grandfathered Use No Zonin I� al describe
Is the hi hest and best use of sub'ect ro as im roved or as ro sed er lans and s '�ca6ons the resent use? X Yes No Ii No describe.
Utilities Public Other desc�ibe Public Other deacribe Offoite Im rovements—T Pubiic Private
Electricit X Water X Well Street Macadam X
Gas None Sanita Sewer X Se tic Tank Alle None
FEMA S eaai Flood Hazard Area Yes X No FEMA Flood Zone X FEMA Ma # 42041 C0094E FEMA Ma Date 03/16/2009
Are the utilities andlor off-site im rovements ical for ihe market area? X Yes No If No describe.
Are ihere an adverse site condi6ons or extemal factors easements encr achments environmental cond'ons land uses et.7 Yes X N If Ye describe.
Units X One One with Accesso Unit Concrete Slab Crawl S ace Foundation Walls Block/Av Floors Ca Ceramic/Av
#of Stories 1.00 X Full Basement arUa�easement Exterior Walls Aluminum Brick/Av Walls D II/Av
T e X Det. Att. S-Det.lEndUnit BasementRrea 1176 .ft. RoofSurface Shin Ies/Av TrimlFinish wood,PnUAv
X Existin Pro se UnderConst. BasementFinish 49 � GuriersBDowns uts Aluminum/Av BathFloor CeramidAv
Desi n S le Bi-Level Outside Ent /Exit Sum Pum Window T Doubie Hun /Av W in Fibe Iass/Av
YearBuilt 1985 Evidenceof Infestation StortnSashllnsulatedYes/Av CarSlorae None
Effedive A e rs 20 Dam ness Settlement Screens Yes/Av X Drivewa #o(Cars 3
qQic None Heatln FwA HVVB X Radiant Ameni6es X Woodstove s# 1 Drivewa Surface As halt
Dro Stair Stairs Uther Fuel Elec. Fir lace s# 0 Fence None X Ga e #of Cars 2
Floor X ScuHle Coolin CentralAirConditionin X PatiolDecic Wd X Porch Covered Ca ort #ofCars 0
Finished Heated Individual Other None Pool None Other None X AH. Det. Built-in
A liances X Refri erator X Ran e/Oven X Dishwasher Dis sal Microwave X WashedD er ane�de��
Finished area above rade contains: 6 Rooms 3 Bedrooms 1.0 Bath s 1 260 uare Feet of Gross uvin Area Above Grade
� Addifional features s ecial ener efficien items etc. T ical for nei hbofiood.
� Describe ihe condition of the ro e indudin needed re airs deterioration renovations remodelin etc.. C4�Kitchen-not u ated�Bathrooms-not u ated•The
construction ual' is ical for a e in com arison to com tin nei hborhoods. Based on maintenance condition and com arison to com etin
nei hborhoods the estimated a e is below the actual a e. No economic or functional obsolescence noted.
Are there an h sical deficiencies or adverse conditions ihat affect the livabili soundness or structural inte ri of the ro ert Yes X No If Yes describe
Does the ro ert enerall conform to the nei hborhood functional utilit s e condition use construction etc.? X Yes No If No describe
Freddie Mac Fortn 70 Maroh 2005 Fannie Mae Form 1004 March 2a
UAD Version 8/2011 Produced by ClickFORMS Software 800-622-8727 Page 1 of 25
' ' R.J.Fried&Associates
. File No. 23 W ild Rose Lane
Case No. 23 W ild Rose Lane
Uniform Residential A raisal Re ort
There are 3 com arable ro erties curtentl offered for sale in the sub'ect nei hborhood ran in in 'ce from 165 000 to 209 900
There are $ com arable sales in the s b'ect n i hborhood ' in he ast lw Ive months ran in in I ri from 166 900 208 300
FEATURE SUBJECT COMPARABLE SALE�1 COMPARABLE SALE#Z COMPARABLE SALE#3
,o,��� 23 Wild Rose Ln 4 Shoemaker Ln 9 S Locust Ln 84 Bali Hai Rd
Mechanicsbur PA 17050 Mechanicsbur PA 17050 Mechanicsbu PA:17050 Mechanicsbu PA 17050
Proximit to Sub'ecl 0.79 mfles NW 0.33 miles NW 0.46 miles SE
Sale Price 174 900 174 900 178 000
Sale PricelGross Liv.Area 0.00 .fl. 120.12 .ft. 134.85 .ft. 138.52 .ft.
Data Source s CPML-10241019•DOM 43 CPML-10238803•DOM 6 CPML-10245256•DOM 83
Verificaiion Source s Tax Assessment Records Tax Assessment Records Tax Assessment Records
VALUEADJUSTMENTS DESCRIPTION DESCRIPTION - Ad'ustment DESCRIPTION - Ad'ustment DESCRIPTION - Ad'ustmen
Sale or Financin ArmLth ArmLth ArmLth
Concessions Cash•0 Conv0 Conv2300 -2 30
Date of Saie/Time s10/13•cA9/13 s07/13•c06/13 s03/14•c01/14
Loca6on N•Res• N•Res• N•Res• N•Res
LeaseholdlFeeSim le Fee Sim le Fee Sim le Fee Sim le Fee Sim le
��8 30056 sf 25700 sf 1.19 ac -5 00 20038 sf
�eW MRes• MRes N•Res• N•Res•
Desi n Si le DT1.00�Bi-Level DT1.00�Ranch DT1.00�Ranch DT1.00•Ra�ch
Qualit of Construction Q4 Q4 Q4 Q4
ActualA e 29 30 15 -3 50 51 +5 50
Condition C4 C3 -10 00 C4 C3 -10 00
Above Grade Total Bdrm Baths Total Bdrms Baths Total Bdrms Bafhs 7otal Bdrms Baths
Room Count 6 3 1.0 6 3 2.0 -4 00 5 2 1.0 6 3 1.1 -2 000
Gross Livin Area 1 260 s .ft 1 456 ,ft. -4 80 1 296 s .ft. 1 285 s .ft. 0
Basement&Finished 1176sf576sfin 1456sfOsfin 1296sfOsfin 1285sfOsfin 0
Rooms Below Grade 1 rrObrl.ObaOo +4 00 +4 0 +4 000
Functional U61it Avera e Avera e Avera e A�ere B
Heatin 1Coolin RadianUNone FWA/Central -3 50 Geo/Central -3 50 HWBBlCenUal -3 500
' Ene Efficient Items Standard Standard Standard Standard
' Gara elCa A 2 a3dw 2 a4dw 1 a2dw +3 00 1 a2dw +3 OOC
. PorchlPa6olDeck Cov Porch Deck Stoo Deck Stoo Patio Stoo Patio C
Fire laces Wood Stove None +1 50 None ' +1 50 None +1 50f
• NetAd'ustment Total + X - -16 900 + X - .-3 500 X - -3 800
Adjusted Sale PriCe �1@t�4dj:-14°/n Net Adj:-2% Net Adj:-2%
of Com arabies Gross Ad':1fi% 158 000 Grpss Ad's 12% 171 400 Gross Ad':18% 174 200
' I X did did not research the sale or transfer histo of the sub' ro and com arable sales.If n t e lain
M research did X did not reveal an rior sales or Vansfers of the sub'ect ro rt for the three ears rior to the effective date of ihis a raisal.
Datasource s MLS/Tax Records
M research did X did not reveal an rior sales or transfers of the com arable sales for the ear rior fo the date of sale of the com arable sale.
Datasou s MLSffau Records �
Re rt the resuNs of the research and anai sis of the rior sale or Vansfer histo of the sub' ct ro e and com arable s les re R additional rior sales on a e 3.
ITEM SUBJECT COMPARABLE SALE#1 COMPARABLE SALE#2 COMPARABLE SALE#3
Date of Prior Sale/iransfer
Price of Prior SalefTransfer
DataSource s Public Records Public Records Public Records Pubiic Records
EffectiveDateofDataSources 05/01/2014 05/01/2014 05/01/2014 05/01/2014
Mal sis of rior sale or transfer histo of the sub'ect ro e a d com arable sales The sub'ect r has not transferred in the ast three ar as noted I�
the above rid and the com arable sales 11ave not transferred in the ast ear as noted in the above rid.
SummaryofSalesComparisonApproach ***SEE FIRST COMMENTS PAGE**"`
Ind'ated aiue Sal s om ari n A h 171 000
Indicated Value b :Sales Com ariaon A roach 171 000 Cost A roach if develo ed 0 Income A roach if develo
Due to the lack of rental data the Income A roach is not a r riate. Due to the a e of the sub'ect the Cost roach is not considered valid.
Greatest wei ht is iven to the Sales Com arison A roach as it reflects the ical actions of bu ers and sellers in the marke lace.
• This appraisal is made X 'as is,' subject to completbn per plans and specificaGons on the basis of a hypothetical condflion that the improvements have been
completed,Q subject to the Tollowing repairs or allerations on the basis of a hypotheGcal condition that the repairs or alterations have been completed,or❑subject to fhe
� followin re uired ins ectbn based on the extraordina assum tion that the condition or defiaenc does not re uire atteraCron or re air: No warran of the a raised i
iven or im lied. No liabili is assumed for the structural or mechanical elements of the ro e .
. Based on a comp�ete visual inspectlon of the interior and exterlor areas of the subJect property,deflned scope of work,statement of assumptiona and Iimiting
conditiona,and apprelser'e certiflcation,my(our)opinlon of the market value,as deflned,of the real property that ia the subJect of thia report is
171 000 04/29/2014 which la e date of i s lon an the ff ve d e+of hla a rai aL
Freddie Mac Form 70 March 2005 Fennle Mae form 1004 March 2a
i icn var���r,qnM 1 PrMiucaci hv Clir.kFORMS Soflware 800-622-8727 Page 2 of 25
- • R.J.Fried&Associates
File No. 23 Wild Rose Lane
Case No. 23 Wild Rose Lane
Uniform Residential A raisal Re ort
The Intended Use is to evaluate the ro U�at is the sub'ect of this a raisal for MARKET VALUATION PURPOSES ONLY su 'ect to the sco
of work u ose of the a raisal re ortin re uirements of this a raisal re ort form and Definifion of Market Value. No additional users are
identified b the a raiser. Descri tion of the A raisal Process/Sco e of Work
The a raisal rocess is intended to"describe the extent of the rocess of collecUn confirtnin and re ortin data" In order to re are an
a reisal re ort on the sub'ect ro e the followin ste s were involved:
The sub'ect site and nei hborhood were ersonall ins ected b the a raiser. The ins ection considered the various local economic indicators
with res ect to their otential im act on the sub ect site. The stren s and weaknesses of the enerai econom were wei hed as the afFect
the value of the sub'ect.
All relevant facts related to the sub'ect were collected and verified includin but not limited to zonin utilities land and buildin area restrictions
encumbrances easements environmental factors and other items of a similar nature deemed a licabie•
No buildin la�s were available. The buildin s uare foota e was derived from actual measurement and the existin assessment records in
order to determine s uare foota e.
� Basement s uare foota e measurements for the com arable sales were derived from tax assessment sketches and are not actual
measurements. The are a ciose a rox(mation needed for UAD com liance and are not to be deemed as 100%accurate.
� A hi hest and best use anal sis was com leted.
' The Cost Sales Com arison and Income A roaches to value were considered and ihe Sales Com arison A roach was used in the valuatlon
� of the sub'ect ro eR .
Data was collected durin this rocess from various sources. This information is believed to be reliable and verificatlon of sales data inciuded
reliance on coun deed records and/or third- a confirtnations. The a reiser has no reason to.sus ect inaccuracies in an informaUon
rovided and the anal sis and conclusion's are based on the reliabil of this information.
The a raiser is not an e rt in iden' ' mold mildew lead base aint nor asbestos. If Uie client has a concem then I stron I recommend the
client contact an ex eR in the environmental and/or home ins ecGon field s.
If an estimated value or sales rice was included either on the a raisal re uest fortn or verball from another a involved in the transac6on
the value rovided had no influenc on m final estimate of value.
Provide ad uate informatlon for the lendedclient to re licate our cost fi ures and calculations.
Su rt for the inion of site value summa of com arable land sales or other methods fw esbmatin site value Site value obtained from recent land sales in
the area and tax assessment.
ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE _
• Source of cosi data Dwellin 1 260 S .Ft. _
. Qual' rati irom cwst service Eflactive date of cost data Bsmt. 1 176 � .Ft. _
: Comments on Cost A roach ross livin area calculalions de reciaGon elc.
The Cost A roach will enerall result in an exceilent estimate of value Gar e/Ca 624 S .Ft. _
• if the buildin'is new or reasonab new and the im rovements reflect Total Estimate of Cost�ew = 0
the hi hest and best use of the of the lend. However when items of Less Ph sfcal Functional Extemal
h sical de reciation and obsotescence must be estimated an area of De ecia6on 0 = �
'ud ment is involved which is sub'ect to error. The Cost A roach was De redated Cost of Im rovements = �
not utilized due to the a e of the sub ect. 'As-is'Value of Site Im rovements =
Estim ed Remainin E mi Lif H D a d V onl Year Indi a ed Valu Cos roach = �
� Estimated Monthl Market Rent X Gross Multi Iler = Indicated Value b income A ach
Summa of income A roach includin su at for market rent and GRM
Is the develo dbuilder in contrd of the Homeowners Assocfation HOA 7 Yes No Unit s Detached A ed
Provide the foliowin infortnation for PUDs ONLY'rf the develo rPouilder is in control of the HOA and the sub'ect ro rt is an ariached dwellin unit.
L al Name of Pro'ect
Totai number of hases Total number of units 7otal number of units sdd
� Total number of units rented Total number of units far sale Data source s
' Was the ro'ed created b the conversion of exisGn buildin s into a PUD7 Yes No If Yes date of conversion.
� Does the ro'ect contain an multi-dwellin units9 Yes No Data source.
� Are the units common elements and recreation facililies com lete7 Yes No If No describe the status of com letion.
Are the common elements leased to or b the Homeowner's Association? Yes No If Yes describe fhe rentel terms and o tions.
Describe common elements and recreational facilitfes.
Freddie Mac Form 70 March 2005 Fannie Mae form 1004 March 200;
��...�.""-'nu.n..n._�..__��..n�:..�.rnoe�e o..a........onn con o��� D�..n 9 nf 9F
. . R.J.Fried 8 Associates
. File No. 23 Wild Rose Lane
� Uniform Residential A raisal Re ort Case No. 23 Wild Rose Lane
This repor�form is designed to report an appraisai of a one-u�it 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 maricet 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 repoR,such as those required by law or those related to the appraiser's
continuing education or membership in an appraisal organization,are perrnitted.
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 IimiUng conditions,and certifications.The appraiser must,at a minimum:(1)perfortn a complete visual
inspection of the interior and exterior areas of the subject property,(2)inspect the neighbofiood,(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 inteniied use of this appraisal report is for the lender/ciient 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,knowledgeabiy and assuming
the price is not affected by undue stimulus.ImplicR in this definition is the consummation of a sale as of a specified date and
the passing of title from seiler to buyer under conditions whereby:(1)buyer and selier are typically motivated;(2)both
parties are well infortned or well advised,and each acting in what he or she considers his or her own best interest;(3)a
reasonable Gme is allowed for exposure in the open market;(4)payment is made in tertns of cash in U.S.dollars or in terms
of financial artangements comparable thereto;and(5)the price represents the nortnal 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 norrnally 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 transacGons.Special orcreative financing
adjustments can be made to the compareble 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 shouid not be calculated on a mechanical
dollar for dollar cost of the financing or concession but the dollar amount of any adjustment shouid approximate the markeYs
reaction to the financing or concessions based on the appraisers 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 perfortning this appraisal.The
appraiser assumes that the title is good and marketable and will not render any opinions about the tiUe.
2.The appraiser has provided a ske�ch in this appraisal report to show the approximate dimensions of the improvements.
The sketch is included only to assist the reader in visuatlzing the property and understanding the appraisers determinatlon
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 couR because he or she made an appraisai of the property in question,
unless specific arrangements to do so have been made beforehand,or as othervvise 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 invoived in performing this 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 warranUes,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 fieid of environmental hazards,this appraisal report must not be considered as
an environmental assessment of the'property.
t
6.The appraiser has based his or her appreisal 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.
Preddie Mac Form 70 March 2005 fannle Mae Form 1004 March 2005
...�.. . ........... � ...��_..r.�._�.�.�.'+��n n_a..___nnn n_nn n�sn� I�...... A ..i �fC
. . R.J.Fried 8 Associates File No. 23 Wild Rose Lane
� Uniform Residential A raisal Re ort Case Na. 23 WildRose Lane
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 repoR.
2.I performed a complete visual inspecUon of the interior and exterior areas of the subject property.I reported the condition
of the improvements in factual,specific tertns.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 Unifortn Standards of Professional Appraisal
Prac6ce that were adopted and promulgated by the Appraisal Standards Board of The Appraisal FoundaGon and that were in
place at the time this appraisal report was prepared.
4.I devetoped 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 othervvise indicated in this report.
5.I researched,verified,analyzed,and reported on any current agreement for sale for the subject properly,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 effecdve date of this appreisal,unless othervuise 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 sale5 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 ma�icet's reaction to the differences between the subject
property and the comparable sales.
10.I verified,from a disinterested source,all information in this repoR 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 fumished by other parties and expressed in this appraisal repoR 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 neighborfiood,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
subjed propeAy or that I became aware of during the research involved in performing this appraisal.I have considared 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.I have not knowingly withheld any significant infortnation from this appraisal repoR and,to the best of my knowledge,all
statements and information in this appraisal report are We and correct.
16.1 stated in this appraisal report my own personal,unbiased,and professional analysis,opinions,and conctusions,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 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,familiai status,or national origin of either the prospectfve 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 appreisals was not conditioned
on any agreement or understanding,written or othervvise,that I would repoR(or present analysis supporting)a predetermined specific
value,a p�edetermined 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 moRgage loan application).
19.I personally prepared ali 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
preparaUon of this appraisal report,I have named such individual(s)and disclosed the specific tasks perFormed in this appraisal repoR.
I certify thaf 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 appraisai is unauthorized and I will take no responsibility for it.
20.I identified the lender/clfent in this appraisal report who is the individual,organization,or agent for the organization that
ordered and will receive this a raisal re ort.
Freddie Mac Form 70 March 2005 Fannle Mae Form 1004 March 2005
��...�.---"-n�nn.. n._�..__a�.,nr..�.rno��c c..a.......Qnn aoo fl7�7 D�nn F nf 9F
R.J.Fried&Associates File No. 23 Wild Rose Lane
� ' Case No. 23 Wild Rose Lane
� � Uniform Residential A raisal Re ort
21.The lender/client may disclose or distribute this appraisai report to:the borrower;another lender at the request of the
borrower;the mortgagee or its successors and assigns;mortgage insurers;govemment 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 otherjurisdictions;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(inciuding,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 appreisal report by me or the lendedclient 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 disVibution by me.
23.The borrower,another lender at the request of the borrower,the mohgagee or its successors and assigns,moRgage
insurers,govemment sponsored enterprises,and other secondary market participants may rely on this appraisai report as part
of any moRgage finance Vansaction that invoives 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 appiicable federal and/or state laws(excluding audio and video recordings),or a facsimile Vansmission 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 originai hand written signature.
25.Any intentional or negligent misrepresentation(s)contained in this appraisal repoR 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 similer state laws.
SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that:
1.I direcUy supervised the appraisec 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.I 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-conVactor or an employee of the supervisory appraiser(or the
appraisal firm),is qualified to perform this appreisal,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 sighature,"as those terms are
defined in applfcable federal and/or�tate 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 appreisal report were delivered containing my original hand written signature.
APPRAISER ' SUPERVISORY APPRAiSER(ONLY IF REQUIRED)
�
Signature ��U��"�-1 / ��O-t Signature
Name RJFried Name
Company Name R.J.Fried&Associates Company Name
CompanyAddress 2323 Patton Road CompanyAddress
Harrisbum PA 17112
Telephone Number 717 652-5100 Teiephone Number
Email Address 1 rjfried comcast.net Email Address
Date of Signature and Report 05/02/2014 Date of Signature
Effective Date of Appraisal 04/29/?014 State Certification#
State CeRification# RL001271 L 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 06/30/2015 `
SUBJECT PROPERTY
ADDRESS OF PROPERTY APPRAISED `
23 Wild Rose Ln eDid not inspect subject property
Mechanicsburg PA 17050 __ Did inspect exterior of subject property from street
Date of Inspection
APPRAISED VALUE OF SUBJECT PROPERTY$ 171,000 ❑Did inspect interior and exterior of subject property
LENDER/CLIENT Date of Inspection
Name Chonq Hui Knab
Company Name Chonq Hui Knab COMPARABLE SALES
Company Addresa 2212 Sprina Run Drive eDid not inspect exterior of comparable sales from street
Mechanicsburq PA 17055 Did inspect exterior of comparable sales from street
Email Address Date of Inspection
Freddie Mac Fortn 70 March 2005 Fannle Mae Fam 1004 March 2005
��nn�i.....o....nien�a o...a��....a ti.,l�I��bCnD��C Cnfh.��ro NM�99_R797 Panra R nf 9.�i
R.J.Fried&Associates
EXTRA COMPARABLES 4-5-6
File No. 23 Wild Rose Lane
Case No. 23 Wild Rose Lane
Borrower Chonq Hui Knab
PropertyAddress 23 Wild Rose Ln
City Mechanicsburg County Cumberland State PA Zip Code 17050
Lender/Client Chonq Hui Knab Address 2212 Spring Run Drive,Mechanicsburg,PA 17055
FEATURE SUBJECT COMPARABLE SALE# 4 COMPARABLE SALE# 5 COMPARABLE SALE# 6
Address 23 W ild Rose Ln 75 Silver Crown Dr 66 Silver Crown Dr
Mechanicsbu PA 17050 Mechanicsbu PA 17050 Mechanicsbu PA 17050
Proxim" to Sub'ect 0.42 miles E 0.52 miles E
Sale Price 198 000 208 300
Sale PricelGross Uv.Area 0.00 .ft. 113.84 .ft. 157.09 .ft. .fl.
Data Source s CPML-10245018�DOM 14 CPML-10233485•DOM 21
Verification Source s Tax Assessment Records Tax Assessment Records
VALUEADJUSTMENTS DESCRIPTION DESCRIPTION - Ad'ustment DESCRIPTION - Ad'ustment DESCRIPTION - Ad'ustment
Safe or Financin ArmLth ArmLth
Concessions Conv8000 -8 OU Private•8300 -8 30
Date of Saleffime s12/13�c11/13 s05/13•c03/13
Location MRes MRes• MRes•
LeaseholdlFee Sim le Fee Sim le Fee Sim le Fee Sim le
Site 30056 sf 25700 sf 14810 sf
Y�ew N•Res• N'Res• N•Res•
Desi n St le DT1.00•Bi-Level DT1.00•Ranch DT1.00•Bi-Level
Qualit of Construclion Q4 Q4 Q4
Actual A e 29 38 38
Condition C4 C3 -4 00 C3 -10 00
Above Grade Total Bdrtns Baths Total Bdrtns Baths Total Bdrms Baths Total Bdrms Baths
Room Count 6 3 1.0 6 3 2.0 -4 00 6 3 1.0
Gross Livin Area 1 260 .fl. 1 748 .fl. -12 20 1 326 .ft. .ft.
Basement&Finished 1176sf576sfin 1748sfOsfin 764sf764sfin
Rooms Bebw Grade 1 rrObr1.Oba0o +3 00 1 rr1 brl.ObaOo -5 00
Functional UUlit Avera e Avera e Avera e
Heatin Coolin RadianUNone FWA/Centrai -3 50 HWBB/Central -3 50
Ene Efficient Items Standard Standard Standard
, Gara elCa rt 2 a3dw 2 a4dw 2 bi2dw
PorchlPatiolDeck Cov Porch Deck Stoo Patio Stoo Deck
� Fire laces Wood Stove Fire la Fire lace
.
; NetAd�ustment Total + X - -28 700 + X - -26 800 + - 0
Adjusted Sale Price Net Adj:-14% Net AdJ:-13% Net Adj:0%
� of Com arables Gross Ad':17% 170 300 Gross Ad':43% 181 500 Gross Ad':0% 0
Re rt the results of lhe research and anal sis of the rior sale or transfer histo of the sub'ect ro e and com arable sales
ITEM SUBJECT COMPARABLESALE# 4 COMPARABLESALE# 5 COMPARABLESALE# 6
Date of Prior Sale/Transfer
Price of Prior Saieffransfer
DataSource s Pubiic Records Public Records Public Records
p 05/01/2014 05/01/2014 05l01/2014
Anal is of rior sale or Vansfer histo of the sub'ect ro ert and com arable sales The sub'ect ro e has not transferred in the ast three ear as noted in
the above rid and the com arable sale and active listin s have not transferred in the ast ear as noted in the above rid.
Summa of Sal Com arison A roach"'NO DAMAGES WAS NOTED AS A RESULT OF HURRICANE SANDY""
The"other" resent land use includes munici al ro erties schools arks and recreation o en farm land and other non ical land uses.
The redominant value is above the ical area values but is within the ran e of value of similar s e homes sold and listed within the ma�lcet area.
The home is not over-im roved for the area.
UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 f'age 7 of 25
R.J.Fried 8 Associates
The purpose of this appraisal is for MARKET VALUATION only. This is
not intended to be used in any mortgage transaction.
Recent sales of homes in the subject's neighborhood were limited.
Expanding the search radius to a distance greater than one mile within
Silver Spring Township still produced a minimal number of comparable
sales in the subject's immediate market area. Due to a lack of Bi-Level
sales over the past year, sales of ranch style home (1 story)were also
considered as comparable sales. The five sales displayed are considered
to be the best indicators of value. The five sales show the typical range of
value for comparable sales within the local market area. Sales that
exceeded a six month transfer were used due to similarities and minimal
market change. Adjustments were made to reflect typical actions of
buyers in comparison to the subject. Acreage adjustments reflect
greatest value in homesite with residual land valued at lesser amounts
(Principle of Diminishing Returns). Age adjustments were applied to
comparable sales.#2 . The subject property is in average condition
and in need of modern updates, upgrades and amenities. Condition
adjustments were applied to comparable sales#1, #3, #4.
Comparable sales#1, #3  had updates to the kitchen, bathroom and
flooring while comparable sale#4 had bathroom and flooring updates.
Square footage difference adjustments reflect economies of scale. The
subject's basement finish is in average and functional condition.
Comparable sales without basement finished were applied a $3,000
adjustment. Comparable sale#5 has similar rooms, but the finish quality
far exceeded the subject property which resulted in a negative
adjustment. All comparable sales were weighted and considered. The
adjusted range of comparable values is $158,000 to $181,500.
All utilities were on and functioning at the time of the inspection.
This appraisal was developed in accordance with Uniform Standards of
Professional Appraisal Practice (USPAP), Title XI of the Financial
Institutions Reform, Recovery Enforcement Act of 1989(FIRREA) as
amended and Dodd-Frank Act 2010.
I have performed no (or the specified)services, as an appraiser or in any
other capacity, regarding the property that is the subject of this report
within the three year period immediately preceding acceptance of this
agreement.
UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727Page 8 of 25
R.J.Fried&Associates
URAR: Apparent Easements 8 Encroachments
Site-The subject is typical of the area.
The appraiser has been in business for over forty(40)years and understands the local market
area and conditfons.
A certifled plat was not provided to the appraiser. The site dimensions are estimated from public
tax maps. No adverse conditions are indicated by the site's size or shape.
The subjeat conforms to current zoning codes as recorded and take from public zoning records.
The appraiser has personally examined the most current information sources available,
HUD/FEMA flood hazard maps andlor local municipal documents for the subjeot vicinity in order
to estimate whether any portion of the subject site is located in a special flood hazard area as
defined by HUDIFEMA. Unless otherwise noted in the body of the report or the attached
addendum,the subject is considered by the appralser to be Zone C or X,which are not special
flood hazard areas requiring flood zone information on the survey report. The survey report
should denote any special flood huard line on the specific site and its relationship to any
improvements.
URAR:Environmental Conditions
To the best of the undersigned's knowledge,the presence of Radon has not been detected on
this property,or if Radon has been detected,it has been determined that Ehe level of Radon is
safe according to the standards established by the Environmental Protection Agency. The
undersigned does not,however,make any guarantees or warranties that the property has been
tested for the presence of Radon,�r if tested that the tests were conducted pursuant to EPA
approved procedures.
The appraiser has not been informed,nor has the appraiser any knowledge of the existence of
any environmental or health impediment,which If known,could have a negative impact on the
market value of the subject property. The valuation contained herein is not valid if any
hazardous items are found in the subject property and stated within the appraisal report,
including but not Ilmited to: Ureaformaldehyde foam insulation,Radon Gas,Asbestos Products,
Lead or Lead Based Products,Toxic Contaminants.
URAR: Digital Signatures
The digital signature used on this report is an exact replica of the appraiser's actual signature.
The digital signature has not been altered and is downloaded from the program by the appraiser.
The digital signature is password to avoid improper usage. The digital stgnature should be
considered equal to an original signature by the appraiser.
UAD Version 9/2011 Produced by ClickFORMS Soflware 800-622-8727Page 9 of 25
R.J.Fried 8 Associates
COMMENT ADDENDUM
File No. 23 Wild Rose Lane
Case No. 23 Wild Rose Lane
Borrower Chonq Hui Knab
PropertvAddress 23 Wild Rose Ln
Citv Mechanicsburq Countv Cumberland State PA Zio Code 17050
LendedClient Chonct Hui Knab Address 2212 Sprinq Run Drive Mechanicsbura,PA 17055
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 R.J. Fried&Associates for the exclusive use of Chong Hui
Knab, client,to estimate market value. THIS REPORT IS NOT INTENDED FOR USE IN ANY
MORTGAGE TRANSACTION. The information and opinions contained in this appraisal set forth the
appraiser's best judgment in light of the information available at the time of the preparation of this
report. Any use of this appraisal by any other person or entity, or any reliance or decisions based on
this a.ppraisal are the sole responsibility and at the sole risk of the third parry. Mr. Fried accepts no
responsibility for damages suffered by any third parly,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 120 days.
-In my opinion the reasonable market time linked to the value opinion is up to 120 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 personai 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 reporang
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 Elient,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.
-Lawrence Brian Hollister provided significant assistance to the appraiser signing this report.
UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 10 of 25
R.J.Fried 8 Associates
' Chon Hui Knab 23 Wild Rose Lane
23 Wild Rose Ln 23 Wild Rose Lane
qgft 24ft
Bath
Master Bedroom �{��'�� �ining
c
;; Garage N
Bedraom Bedroom �lv��'9
Foyer
7fi
2aft ��
Laundry
Baxh
Unfini5hed'
N
� Famiiy
Basem en t
4src
tk--�n'►
�kst Fiaor t280}t�Fk�t Fioor . :tA0,1,280
;;_ �e .,"�s ' . ��`�x 100��:
2 Car,4ttech W. 82A fY` ZR �
, , ,.__ .�,�.r+� s..�n, r-.rr��+-.�.x�,.-, .,:4Ap1 _ - .
p . t7tt , ., �4 H'
, _.^�p x,a r,;, . , . . , ,,, fi,,: { . y��C . „ _ },�'j:�'. � �'
UAD Version 9/2011 Produced by ClickFORMS Sofiware 800-622-8727 Page 12 of 25
R.J.Fried 8�Associates
' � SUBJECT PHOTO ADDENDUM File No. 23 Wild Rose Lane
Case No. 23 Wild Rose Lane
Borrower Chong Hui Knab
PropertvAddress 23 Wild Rose Ln
Citv Mechanicsburq Countv Cumberland State PA Zio Code 17050
LenderlClient Chonq Hui Knab Address 2212 Sprinp Run Drive,Mechanicsburg,PA 17055
� � � � � ,*- v���� � FRONT OF
'� � ��� � SUBJECT PROPERTY
23 Wild Rose Ln
���„ Mechanicsburg,PA 17050
::?.`t,,;`.
�:
'���
� REAR OF
� �`" ���"����� �- �v ,- SUBJECT PROPERTY
���§
° �, � �, ; � ����-
;r y �����`��
�- a' ux� E_ ,�
s i' . ;�
.T. Yi
{ ��
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A,.�..
p�
��
��. STREET SCENE
�, ;�-ti� � �
�„���.; � , �
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F`
UAD Version 912011 Produced by ClickFORMS Soflware 800-622-8727 Page 13 of 25
, R.J.Fried&Associates
SUBJECT PHOTO ADDENDUM File No. 23 Wiid Rose Lane
Case No. 23 Wild Rose Lane
Borzower Chong Hui Knab
PropertvAddress 23 Wild Rose Ln
Citv Mechanicsburg `Countv Cumbedand State PA Zip Code 17050
LendedClient Chong Hui Knab Address 2212 Spring Run Drive,Mechanicsburg,PA 17055
, ; FRONT OF
� x SUBJECT PROPERTY
23 Wiid Rose Ln
Mechanicsburg,PA 17050
a
i
';;t�r'�'� . ���;� >< REAR OF
. SUBJECT PROPERTY
��rz
'f.' {s � � .A �
&rd�"x= :j '� st �v d
.�'�r�l ..9f,R�- NfY "s�``b�. �P yy-t'.,
4 R,
• STREET SCENE
UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 14 of 25
. R.J.Fried&Associates
� SUBJECT PHOTO ADDENDUM File No. 23 Wild Rose La�e
Case No. 23 Wild Rose Lane
Borrower Chong Hui Knab
PropertvAddress 23 Wild Rose Ln
Citv Mechanicsburg Countv Cumberland State PA Zin Code 17050
LendedClient Chong Hui Knab Address 2212 Sprinq Run Drive,Mechanicsburq,PA 17055
p ��+ �� Subject Kitchen
���:
,, > � ,�. d
�� g
�. �
's
0
6:
Subject Living Room
,
�
#
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Subject Dining Room
.
� f
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� „�„���;., �g
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���:�
�' i
�
UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 15 of 25
. � R.J.Fried&Associates
� SUBJECT PHOTO ADDENDUM File No. 23 Wild Rose Lane
Case No. 23 Wild Rose Lane
Borrower Chonq Hui Knab
PropertvAddress 23 Wild Rose Ln
City Mechanicsburq Countv Cumberland Slate PA Zio Code 17050
LendedCiient Chonq Hui Knab Address 2212 Sprinq Run Drive,Mechanicsburg,PA 17055
Subject Master Bedroom
�
� ' . ,� �
�
�� � '. ` �
d s' � x
����i� �, �� �
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Subject Bedroom
��-
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Subject Bedroom
UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 16 of 25
. . f .
, R.J.Fried&Associates
� , SUBJECT PHOTO ADDENDUM File No. 23 Wild Rose Lane
Case No. 23 Wfld Rose Lane
Borrower Chonq Hui Knab
PropertvAddress 23 Wiid Rose Ln
Citv Mechanicsburg CountY Cumberiand State PA Zip Code 17050
LendedClient Chonq Hui Knab Address 2212 Sprinp Run Drive.Mechanicsburg,PA 17055
Subject Bathroom
.:
Basement Family Room
,
:.
� x��'� �
�
Basement Bathroom
:i,
�
3
UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 17 of 25
R.J.Fried 8 Associates
� SUBJECT PHOTO ADDENDUM File No. 23 Wild Rose Lane
Case No. 23 Wild Rose Lane
Borrower Chong Hui Knab
ProcertvAddress 23 Wild Rose Ln
Citv Mechanicsburg Countv Cumberland State PA Zio Code 17050
LendedClient Chonq Hui Knab Address 2212 Spring Run Drive,Mechanicsburg,PA 17055
Unfinished Basement
;: a
;;,%�-
,:_a��.
UAD Version 912011 Produced by ClickFORMS Software 800-622-8727 Page 18 of 25
, R.J.Fried&Associates
COMPARABLES 1-2-3 File No. 23 Wild Rose Lane
Case No. 23 Wild Rose Lane
Borrower Chong Hui Knab
PropertvAddress 23 Wild Rose Ln
Citv Mechanicsburg Countv Cumberland State PA Zio Code 17050
LendedClient Chong Hui Knab Address 2212 Spring Run Drive,Mechanicsburq,PA 17055
, :�, ��..,,.
,..,,M
� � �, � 1
3 � :�t > Fxf�' ��'� 4 Shoemaker Ln
' ��� � �� �`� ��"� Mechanicsburg,PA 17050
��.�.
+���1��y�4��1 ..
�}
.�
��;� � ��I I I�' � �� COMPARABLE SALE# 2
�:'~; � , n � „;� 9 S Locust Ln
� ' �:� �` � Mechanicsburg,PA 17050
� , IM1w
�`
�
��
COMPARABLE SALE# 3
84 Bali Hai Rd
Mechanicsburg,PA 17050
,���I
� ,_
�r
' UAD;Version 8/2011 Produced by CI(ckFORMS Software 800-822-8727 Page 19 oi 25
R.J.Fried&Associates
COMPARABLES 4-5-6 File No. 23 Wild Rose Lane
� Case No. 23 Wild Rose Lane
Borzower Chong Hui Knab
PropertvAddress 23 Wild Rose Ln
Citv Mechanicsburg Countv Cumberland State PA Zio Code 17050
LendedClient Chong Hui Knab Address 2212 Spring Run Drive,Mecha�icsburq.PA 17055
COMPARABLE SALE# 4
75 Silver Crown Dr
Mechanicsburg,PA 17050
COMPARABLE SALE# 5
�"*"�- 66 Silver Crown Dr
��; I Mechanicsburg,PA 17050
� ����e���.� � �`,;:r� :��
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x: �.,i�7
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r�� �� �
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��;�*'
��'��,"
COMPARABLE SALE# 6
UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 20 of 25
File No. 23 Wild Rose Lane
� Appraiser License Certificate Case No. 23 Wild Rose Lane
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UNIFORM APPRAISAL DATASET(UAD)
Property Condition and Quality Rating Definitions
File No. 23 Wild Rose Lane
Case No. 23 Wild Rose Lane
Requirements-Condition and Quality Ratings Usage
Appraisers must utilize the following standardized conditions and quality ratings within the appraisal report.
Condition Ratings and Definitions
C1
7he improvements have been very recently constructed and have not previously been occupied.7he entire structure and all components are new and the dwelling features
no physical depreciation.
Note: Newly consfructed improvements that feature recycled or previously used materials and/or components can be considered new dwellings provided that the dwelling
is placed on a 100 percent new foundation and recycled materials and the recycled wmponer�s have been rehabil'rfatedlremanufactured into like-new condition.Improvemenfs
that have not 6een previously occupied are not considered'new'if they have signiBcant physical depreciation(that is,newly conshucted dwellings that have bsen vacant for an
exfended period of fime withouf adequate maintenance or upkeep).
C2
The improvements feature no deferred maintenance,litUe or no physical depreciation,and require no repairs.�rtually all building canponents are new or have been recently
repaired,refinished,or rehabilitated.All outdated components and finishes have been updaled andla replaced with components that meet curtent standards.Dwellings in this
category either almost new or have been recenUy completely renovated and are similar in condition to new consWction.
Note:The improvements represent a relatively new property that is well maintained with no de%ned maintenance and little or no physical depreciation,or an older propeRy
that has been recently completely renovated.
C3
The improvemeNs are well maintained and feature limited physical depreciation due to normal wear and tear.Some components,but not every major building component,
may be updated w recently rehabilitated.The structure has been well maintained.
Note: The improvemenf is in its firsf-cycle ofreplacing shorf-lived building components(appliances,floorcoverings,HVAC,etc.)and is being well mainfained.Ifs estimated
effective ege is less than its actual age.lf elso may reflect a property in which the majoriry of shorf-lived 6uilding components have 6een replaced but nof to the level o
complete renovation.
C4
The improvements feature some minor deferred maintenance and physical deterioration due to nortnal wear and tear.The dwelling has been adequately maintained and
requires only minimal repairs to building components/mechanical systems and cosmetic repairs.All major building componenis have been adequately maintafned and are
functionally adequate.
Note: The estimated effective age may be close to or equal to its actual age.lt re8ects a property in which some of the short-lived building components have 6een replaced,
and some short-lived components are at or nearthe end of theirphysical life expectancy;however,they still funcfion adequatety.Most minorrepairs have been addressed on
an ongoing basis resulting in an adequately maintained property.
C5
The improvements feature obvious deferred maintenance and are in need of some significant repairs.Some building components need repairs,rehabilitation,or updating.
The functional u61ity and overall livability is somewhat diminished due to condition,but the dwelling remains useable and functional as a residence.
Note: Some significant repairs are nesded to the improvements due to the lack of adequate mainfenance.It reflects a property in which many of its shorf-lived building
components are at the end of or have exceeded their physical U/e expectancy 6�t remain functional.
C6
The improvements have substantial damage or deferred maintenance with defiaencies or defects that are severe enough to affect the safety,soundness,or sWctural integrity
of the improvements.The improvemenis are in need of substantial repairs and rehabilitation,including many or most major components.
Note: Substantial repairs are needed to the improvements due to the lack of adequafe maintenance or properry damage.it reflects a propeRy with condition severe enough
to affect the safety,soundness,or shucfural integrity of the improvements.
UAD Version 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 22 of 25
R.J.Fried 8 Associates
UNIFORM APPRAISAL DATASET(UAD)
Property Condition and Quality Ratirrg Definitions
File No. 23 Wild Rose Lane
Case No. 23 Wild Rose Lane
Quality Ratings and Definitions
Q1
Dwellings with this qualiry rating are usually unique sWctures that are individually designed by an architecl for a specified user.Such residences typicaily are consWcted
from detailed architectural pians and specifications and feature an exceptionally high level of workmanship and exceptionally high-grade materials throughout the fnterior and
exterior of the structure.The design features exceptionally high-quality exterior refinements and ornamentation,and exceptionally high-quality interior refinements.The
workmanship,materials,and finishes throughout the dwelling are exceptionally high quality.
Q2
Dweliings with this quality rating are often custom designed for construction on an individual property owner's site.However,dwellings in this quality grade are also found
in high-quality tract developments featuring residences consWcted from individual plans or from highiy modified or upgraded plans.The design features detafled,high-quality
exterior omamenta6on,high-quality interior refinements,and detail.The wakmanship,materials,and finishes throughout the dwelling are generally of high or very high�uality.
Q3
Dwellings with ihis quality rating are residences of higher quality built from individual or readily available designer plans in above-standard residenlial tracl developments
or on an individual property owner's site.The design includes significant exterior omamentation and interiors that are weil finished.The workmanship exceeds acceptable
standards and many materials and finishes throughout lhe dwelling have been upgraded from'stock'standards.
a4
Dwellings with this quality rating meet or exceed the requirements of applicable building codes.Standard or modified standard building plans are uGlized and ihe design includes
adequate fenesiration and some exterior omamentation and interior refinements.Materials,workmanship,finish,and equipment are of stock or builder grade and may feffiure
some upgrades.
Q5
Dwellings with this quality rating feature economy of constNction and basic functionality as mairtconsiderations.Such dwellings feature a plafn design using readily available
or basic floor plans featuring minimal fenestration and basic finishes with minimal exterior omamentation and limited interior detail.These dwellings meet minimum building codes
and are construded with inexpensive,stock materials wilh limited refinements and upgrades.
Q6
Dwellings with this quality rating are of basic quality and lower cost;some may not be suitable for year-round occupancy.Such dwellings are often built with simpie plans or
without plans,often utilizing the lowest quality building materials.Such dwellings are often buift a expanded by persons who are professionally unskilled w possess only minimal
construction skilis.ElecUical,plumbing,and othec mechanical systems and equipment may be minimal or non�xistent.Older dwellings may feature one or more substandard
non�onfortning additions to the original strudure.,
Requfrements-Definition of Not Updated,Updated and Remodeled
Not Updated
LitNe or no updaUng or modemization.This descriptlon includes,but Is not limfted to,new homes.
Residential properUes of fifteen years of age or less often reflect an original condiiion wiih no updating,if no major componenis have been replaced or updated.Those over
fifteen years of age are also considered not updated if the appliances,fiMures,and finishes are predominately dated.An area that is'Not Updated'may stilt be well
maintained and fully functional,and this rating dces not necessarily imply deferred maintenance a physicaUtunctional deterioration.
Updated
The area of the home has been modifled to meet current market expectatlon.These modiflcatlons are limited in tertns of both scope and cost
An updated area of the home should have an improved look and feel,or functional utility.Changes that constitute updates include refurbishment andlor replacing meet
euisGng market expectations.Updates do not include significant alterations to the exis6ng siructure.
Remodeled
Slgniflcant flnish andlor sWctural changes have been made fhat increase utllity and appeai through complete replacement andlor expansion.
A remodeled area reflects fundamental changes that include multiple alterations.These alterations may include some or all ot the following:replacement of a major
component(cabinet(s),bathtub,or bathroom tile),relocation of plumbing/gas fixtures/appliances,significant structural alterations(relocating walls,andlor the addilion
of square footage).This would include a complete gutting and rebuild.
Explanation of Bathroom Count
Three�uarter baths are counted as a fuil bath in all cases.Quarter baths(baths that feature only a toilet)are not included in the bathroom count.The number of fuli and
half baths is reported by separating the two values using a period,where the full bath count is represented to the left of the period and the half bath count is represented to
lhe right of the period.
Example:
3.2 indicates three fuil baths and two half baths.
UAD Ve�sion 9/2011 Produced by ClickFORMS Software 800-622-8727 Page 23 of 25
• • R.J.Fried&Associates
' UNIFORM APPRAISAL DATASET(UAD)
Property Description Abbreviations Used in This Report File No. 23 Wild Rose Lane
Case No. 23 Wild Rose Lane
q Adverse Location 8 View
ac Acres Area Site
Ad'Prk Ad'acent to Park Location
Ad'Pwr Ad'acent to Power Lines Location
ArmLth Artns Len th Sale Sales or Financin Concessions
AT Attached Structure Desi n S le
g Beneficial Location 8 View
ba Bathroom s Basement�Finished Rooms Below Grade
br Bedroom Basement&Finished Rooms Beiow Grade
Bs Rd �us Road Location
� Contracted Date Date of Sale�me
Cash Cash Sale or Financin Concessions
Comm Commercial Influence LocaGon
Conv Conventional Sale or Financin Concessions
� �a a�{ Gara e/Ca ort
CrtOrd Court Ordered Sale Sale or Financin Concessions
C Sk CI View Sk line View �eW
C Str Ci Street�ew �eW
cv Covered Gara e/Ca ort
DOM Da s On Market Data Sources
DT Detached Structure Desi n S le
dw Drivewa Gare e/Ca rt
8 E iration Date Date of Salemme
Estate Estate Sale Sale or Financin Concessions
FHA Federal Housin Administration Sale or Financin Concessions
Gara e Gara e/Ca oR
a Attached Gara e Gara e/Ca ort
bi Built-In Gara es Gara e/Ca ort
d Detached Gara e Gara eLCa ort
GlfCse Golf Course Location
G�{W,r Golf Course View �eW
GR Garden Desin S le
HR . Hi h Rise Desi n S e
in Interior Oni Stairs Basement&Finished Rooms Below Grade
Ind Industrial Location&View
Listin Listin Sales or Financin Concessions
Lndfl Landfill Location
LtdS ht Limited Si ht �eW
MR Mid Rise Desi n S e
Mtn Mountain�ew View
N Neutral LocaUon 8�View
NonArtn Non-Arms Len th Sale Sale or Financin Concessions
o Other Basement 8�Finished Rooms Below Grede
p Other Desi n S le
o O en Gara e/Ca ort
p� Park View View
Pstrl Pastoral View View
PwrLn Power Lines Vie`N
PubTm Public Trans ortation Location
Relo Relocation Sale Sale or Financin Concessions
REO REO Sale Sale or Financin Concessions
Res Residential Location 8�ew
RH USDA-Rural Housin Sale or Financin Concessions
R Recreational Rec Room Basement 8 Finished Rooms Below Grede
RT Row or Townhouse Desi n S le
S Settlement Date Dete of Sale(fime
SD Semi-detached Structure Desi n S le
ShoR Short Sale Sale or Financin Concessions
Sf S uare Feet Area Site Basement
s m S uare Meters Area Site
Unk Unknown Date of SalefTime
VA Veterans Administration Sale or Financin Concessions
W Withdrawn Date Date of Sale/Time
Wo Walk Out Basement Basement 8�Finished Rooms Below Grade
Woods Woods View View
Wtr Water View View
WtrFr WaterFronta e Location
wu Walk U Basement Basement&Finished Rooms Below Grade
� ...�.. . ......... .+ � .._.�_..n��_�.�i+..•.n n_a..."'nnn n_'nn o�n� D...... 7A nf �G
REV-1511 EX+(10-09) gCHEDULE H
pennsylvania
DEPARTMENTOFREVENUE FUNERAL EXPENSES AND
RESIDENTDECEDENTTURN ADMINISTRATIVE COSTS
ESTATE OF FILE NUMBER
Brown, Pil Saeng 21-14-0366
DecedenYs debts must be reported on Schedule I.
ITEM pESCRIPTION AMOUNT
N MBER
q, FUNERAL EXPENSES:
See continuation schedule(s) attached 5,302.80
B. ADMINISTRATIVE COSTS:
1. Personal Representative's Commissions
Name of Personal Representative(s)
Street Address
City State Zi�
Year(s)Commission Paid
2. Attorney's Fees Bogar& Hipp Law Offices 4,429.47
3. Family Exemption: (If decedenYs address is not the same as claimanYs,attach explanation)
Claimant
Street Address
City State Zio
Relationshio of Claimant to Decedent
4. Probate Fees 188.50
5. Accountant's Fees
6. Tax Return Preparer's Fees
7. Other Administrative Costs 6,353.75
See continuation schedule(s) attached
TOTAL(Also enter on line 9, Recapitulation) 16,274.52
Copyright(c)2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev. 10-09)
SCHEDULE H
FUNERAL EXPENSES AND ADMINISTRATIVE COSTS
continued
ESTATE OF FILE NUMBER
Brown, Pil Saeng 21-14-0366
ITEM
NUMBER DESCRIPTION AMOUNT
Funeral Ex�enses
1 California Korean Church -Pastor's honorarium 1,000.00
2 Country and Town Baptist Chu�ch -funeral service 200.00
3 Country and Town Baptist Church -bulletins for funeral service 200.00
4 Hyun Jin-pianist for funeral 75.00
5 Jumbo Restaurant-funeral luncheon 804.00
6 McReynolds-Nave&Larson Funeral Home-funeral bill 2,811.72
7 McReynolds-Nave&Larson Funeral Home-death certificates 49.00
8 Office Max-supplies for funeral 26.14
9 Ziegler&Sons, Inc.-flowers for funeral service 136.94
H-A 5,302.80
Qther Administrative Costs
10 Chun H. Brown-personal care for Pil Saeng Brown 500.00
11 Chun H. Brown -personal care for Pil Saeng Brown 680.00
12 City of Harrisburg -City Real Estate Taxes -check written 3/5/14, but cleqared 4/3/14 456.72
13 Dauphin County Treasurer-County Real Estate Taxes-check written 315/14, but cleared 288.92
3/10/14
Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6-98)
SCHEDULE H
FUNERAL EXPENSES AND ADMINISTRATIVE COSTS
continued
ESTATE OF FILE NUMBER
Brown, Pil Saeng 21-14-0366
ITEM
NUMBER DESCRIPTION AMOUNT
14 Debra Basehore Wiest-County/Township Taxes-check written 3/5/14, but cleared 3/11/14 631.63
15 Penn Waste-check written 2128/14, but cleared 3/10l14 38.14
16 PNC Bank-safe deposit box fee 30.00
17 PPL-electric bill 187.75
18 R.J. Fried -appraisal fee 350.00
19 RESERVES: -Costs to conclude administration of Estate, including preparation and filing of 850.00
final personal income tax returns and fiduciary income tax returns
20 State Farm Insurance-check written 2/11/14, but cleared 3/14/14 572.00
21 State Farm Insurance-check written 2/19/14, but cleared 3/14/14 522.38
22 U.S. Postal Service-certified mail to Dept.of Revenue and PNC Bank 12.98
23 U.S.Treasury-Social Security reclamation 1,233.23
H-B7 6,353.75
Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6-98)
REV-1513 EX+(01-70)
pennsylvania SCHEDULE J
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN BENEFICIARIES
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Brown, Pil Saen 21-14-0366
NAME AND ADDRESS OF RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE
NUMBER PERSON(Sl RECEIVING PROPERTY DECEDENT (Words) ($$$)
Nt 'g u
I� TAXABLE DISTRIBUTIONS [include outright spousal
distributions,and transfers
under Sec.9116 a 1.2
Chun H. Brown Son 1/2 of rest,
786 Fire Break Drive residue and
Clarksvilie,TN 37040 remainder
Chong Hui Knab Daughter 1/2 of rest,
2212 Spring Run Drive residue and
Mechanicsburg, PA 17055 remainder
Total
Enter dollar amounts for distributions shown above on lines 15 throu h 18 on Rev 1500 cover sheet,as a ro riate.
NON-TAXABLE DISTRIBUTIONS:
II. A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN
B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET
Copyright(c)2010 form software only The Lackner Group, Inc. Form PA-1500 Schedule J(Rev. 01-10)
LAST WILL AND TESTAlVIENT
OF
PILSAENG BROWN
Dated: May 19, 2008
Prepared by:
Michael J. Gennett, Esquire
22 Ashburn Drive Room 105
Carlisle,PA 17013
(717) 245-4940
'
p .
.
MILITARY TESTAMENTARY PREAMBL�: This is a MILITARY TESTAMENTARY
INSTRUMENT prepared pursuant to Title 10 United States Code, Section 1044d, and executed
by a person authorized to receive legal assistance from the military services. Federal law
exempts this document from any requirement of forn7, formality, or recording that is prescribed
for testamentary instruments under the laws of a state, the District of Columbia, or a territory,
conunonwealth or possession of the United States. Federal law specifies that this document shall
be given the same legal effect as a testamentary instrument prepared and executed in accordance
with the laws of the jurisdiction in which it is presented for probate. It shal�r•e�nain valid unless
and until the Testatrix revokes it.
LAST WILL AND TESTAMENT
OF
� PILSAENG BROWN
I, PILSAENG BROWN, a resident of the Commonwealth of Pennsylvania,
make, publish and declare this to be my Last Will and Testament, revoking all wills and codicils
at any time heretofore made by me. I am a dependent of a person who is retired from the
military service of the United States.
FIRST: I direct that the expenses of my last illness and funeral, the expenses of
the administration of my estate, and all estate, inheritance and similar taxes payable with respect
to property included in my estate, whether or not passing under this will, and any interest or
penalties thereon, shall be paid out of my residuary estate, without apportionment and with no
right of reimbursement from any recipient of any such property.
SECOND: It is my desire that, upon my death, my body be interred at Fort
Indiantown Gap Cemetary. I have not contracted for or paid for any funeral arrangements.
THIRD: I give all my real estate, and all rights that I have under any related
insurance policies,to CH[JN H. BROWN, if he survives me.
FOURTH: I give all the rest, residue and remainder of my property and estate,
both real and personal, of whatever kind and �vherever located, that I own or to which I shall be
in any manner entitled at the time of my death (collectively referred to as my "residuary estate"),
as follows:
(a) To those of my children CHONG HUI KNAIB and CHAN H. BROWN who
survive me and to the issue who survive me of those of my children who shall not
survive me,per stirpes.
�E�
�,�c,l � �'�''l�'Lt/'°C�
,�
/
(b) If no issue of mine survives me, I give my residuary estate to those who
would take froin me as if I were then to die without a will, unmairied and the
absolute owner of my residuary estate, and a resident of the Commonwealth of
Pennsylvania.
FIFTH: If any property of my estate vests in absolute ownership in a minor or
incompetent, my Executor, at any time and without court authorization, may: distribute the
whole or any part of such property to the beneficiary; or use the whole or any part for the health,
education, maintenance and support of the beneficiary; or distribute the whole or any part to a
guardian, committee or other legal representative of the beneficiary, or to a custodian for the
bei�eficiary under any gifts to minors or transfers to minors act, or to the person or persons witl�
whom the beneficiary resides. Evidence of any such distribution or the receipt therefor executed
by the person to whom the distribution is made shall be a full discharge of my Executor from any
liability with respect thereto, even though my Executor may be such person. If such beneficiary
is a minor,my Executor may defer the distribution of the whole or any part of such property until
the beneficiary attains the age of eighteen (18) years, and may hold the same as a separate fund
for the beneficiary with all of the powers described in Article SEVENTH hereof. If the
beneficiary dies before attaining said age, any balance shall be paid and distributed to the estate
of the beneficiary.
SIXTH: I appoint CHONG HLTI KNAB to be my Executor. I direct that no
Executor shall be required to file or furnish any bond, surety or other security in any jurisdiction.
SEVENTH: I grant to my Executor all powers conferred on executors under the
Pennsylvania Probate, Estates and Fiduciaries Code, as amended, or any successor thereto, and
all powers conferred upon executors wherever my Executor may act. I also grant to my Executor
power to retain, sell at public or private sale, exchange, grant options on, invest and reinvest, and
otherwise deal with any kind of property, real or personal, for cash or on credit; to hold,manage,
insure,repair, improve;demolish, divide, and otherwise deal with and dispose of any property;to
borrow rnor�ey and mortgage, encumber or pledge any property to secure loans; to exercise all
powers of an absolute owner of property; to compromise and release claims with or without
consideration; and to employ attorneys, accountants and other persons for services or advice.
The term "Executor" wherever used herein shall mean the executors, executor, executrix or
administrator in office from tirne to time.
EIGHTH: I direct that for purposes of this will a beneficiary shall be deemed to
predecease me unless such beneficiary survives me by more than thirty days.
IN WITNESS WHEREOF, I, PILSAENG BROWN, sign my narne and publish
and declare this instrument as my last will and testament this 19th day of May, 2008.
PILSAE BROWN
2
%
The foregoing instrument was signed, published and declared by PILSAENG
BROWN, the above-named Testatrix, to be her last will and testament in our presence, all being
presei�t at the same time, and we, at iier request and in her presence and in the presence of each
other, have subscribed our names as witnesses on the date above written.
�
N-a�'^O`� £ �'`�'"`� havirig an address at
Co.� I�s12 , P�
�
1?a�3
�'I �� �u� having an address at
�ar)isle , PA 1 �-01�
3
0
9
MILITARY TESTAMENTARY INSTRUMENT SELF-PROVING AFFIDAVIT
COMMONWEALTH OF PENNSYLVANIA, COUNT.Y OF CUMBERLAND, ss.
We, the Testatrix and the witnesses, whose names are signed to the attached or
foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that
in the presence of the military legal counsel and the witnesses the Testatrix, PILSAENG
BROWN, signed and executed the instrument as her military testanzentary instrument, that she
had signed willingly, and that she executed it as her free and voluntary act and deed for the
purposes therein expressed. It is further declared that each of the witnesses, at the request of the
Testatrix, in the presence and hearing of the Testatrix, the military legal assistance counsel and
each other, signed the military testamentary instrument as witness, and that to the best of his or
her knowledge the Testatrix was at the time at least eighteen years of age or emancipated, of
sound mind, and under no constraint, duress, fraud or undue influence.
�
PILS G BROWN
Tes atrix
�
• pnnt: (-�-an�al� 'f �4n a n
Witness
prin : E1j�qI � OUY1gS
Witness
Subscribed, sworn to and acknowledged before me by the said PILSAENG
BROWN, Testatrix, and subscribed and sworn to before me by the above-named witnesses, this
19th day of May, 2008.
I, the undersigned officer, do hereby certify that I am, on the date of this
certificate, a person with the power described in Title 10 U.S.C. 1044a of the grade, branch of
service, and organization stated below in the active service of the United States Armed Forces, or
an authorized civilian attorney under Title 10 U.S.C. 1044a, and that by statute no seal is
required on this certificate,under authority gr ted t by Ti 10 U.S.C. 1044a.
Name of Officer and Position: Michael J. Gennett, E
Grade and Branch of Service: O-3,USAR
Command or Organization: 153rd LSO, 99th RRC