HomeMy WebLinkAbout12-22-14 J 1505610105
REV-1500 EX(oz-ii)(fI)��
PA Department of Revenue pennsylvania OFFICIAL USE ONLY
Bureau of Individual Taxes �""pT"`"��`p`�`"�` County Code Year File Number
Po BOXz8o6oi INHERITANCE TAX RETURN � �7 � _ ��) � ������
Harrisburg,PA i'7128-0601 RESIDENT DECEDENT � '
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY
' 03/30/2014 ' 03/24/1930
Decedent's Last Name Suffix Decedent's First Name MI
' BITTNER ', ' B. JOYCE ' '
(If Applicable)Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix Spouse's First Name MI
'N/A ' '
_ _ _ _, _:
Spouse's Social Security Number
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
__ _ _ REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
� 1.Originai Return O 2.Supplemental Return O 3. Remainder Return(Date of Death
Prior to 12-13-82)
O 4.Limited Estate O 4a. Future Interest Compromise(date of O 5. Federal Estate Tax Return Required
death after 12-12-82)
C� 6. Decedent Died Testate O 7. Decedent Maintained a Living Trust � 8. Total Number of Safe Deposit Boxes
(Attach Copy of Wili) (Attach Copy of Trust.)
O 9.Litigation Proceeds Received O 10.Spousal Poverty Credit(Date of Death O 11. Election to Tax under Sec.9113(A)
Between 12-31-91 and 1-1-95) (Attach Schedule O)
CORRESPONDENT- THIS SECTION MUST BE COMPIETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED T0:
Name Daytime Telephone Number
JAMES D. CAMERON, ESQ. ' (717) 236-3755
REGISTER OF WILLS USE ONLY
First Line of Address
1325 NORTH FRONT STREET , � �
s � �
Second Line of Address � O �T� n
_ . � � 1::7 �� �
� � � Crn7 �r� �1
":`JbAT,E RtCED N . t�
City or Post Office State ZIP Code ; � N { "�
HARRISBURG _ PA 17102 �," C z _� ;-� c�
. , ::� �
__ _ ,.a ��' � � -;� -r► .
� � C�3 -rl _,_ `rt
Correspondent's e-mail address:jdCesq@loCalnet.Com " ' � � r`"`� �'
rn
Under penalties of perjury,I deciare that I have examined this retum,including accompanying schedules and statements,and to the:,4est my knowi e an li�
it is true,correct and complete.Dec ration of preparer other than the personal representative is base all informa i f whic�reparer has an wled�e. -n
SIGNA OF PERS PO ILING RETURN - � -� n . DATEQ
�7'i'1'� � L ��
ADD
Co etown Road illsburg, PA 17019
SIGNAT O R OTH THAN REPRESENTATIVE / DATE
/.Z� ��� - �
AO E
13 North Front Street, Harrisburg, PA 17102
PLEASE USE ORIGINAL FORM ONLY
Side 1
L 1505610105 150561�105 �
� 1505610205
REV-1500 EX(FI)
DecedenYs Social Security Number
oecedent's Name: B. JOYCE BITTNER ', ',
RECAPITULATION .
1. Real Estate(Schedule A). ..... .. ............ ... ... .............. ... .. L ' 78,250.00 '
2. Stocks and Bonds(Schedule B) ... ... ..... ......... ................... 2. ;'; 4,420.42 '
3. Closely Held Corporation, Partnership or Sole-Proprietorship(Schedule C) ... .. 3. ; 0.00 ';
4. Mort a es and Notes Receivable Schedule D 4. ' 0.00 ;
9 9 � ) ............ ..... ......... .
5. Cash,Bank Deposits and Miscellaneous Personal Property(Schedule E)....... 5. ' 26,314.27 ',
6. Jointly Owned Property(Schedule F) O Separate Billing Requested .. ..... 6. " 10,021.76 ',
7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property
(Schedule G) O Separate Billing Requested........ 7. 88,203.60 ',
8. Total Gross Assets(total Lines 1 through 7)........ ... ................. . 8. ' 207,210.05 '
9. Funeral Expenses and Administrative Costs(Schedule H)................... 9. '', 9,810.76 '
10. Debts of Decedent, Mortgage Liabilities and Liens(Schedule I)........ ... ... . 10. ''� 30,917.05 '
11. Total Deductions(total Lines 9 and 10)...... ........ ...... ...... ..... .. 11. 40,727.81 '
12. Net Value of Estate(Line 8 minus Line 11) .............. ... ... ...... .... 12. '!, 166,482.24 '
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which �
an election to tax has not been made(Schedule J) ... ........... ... ... .... 13. 0.00 '
14. Net Value Subject to Tax(Line 12 minus Line 13) ... ... .................. 14. :; 166,482.24 ,
TAX CALCULATION-SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate,or
transfers under Sec.9116
(a)(1.2)X.0_ ' 15. 0.00
16. Amount of Line 14 taxable . ,
at lineal rate X.0 45 ; 166,482.24 ' �g, ' 7,491.70
.. __ _ .. _ .
17. Amount of Line 14 taxable
at sibling rate X.12 ' 17. �.�� '
18. Amount of Line 14 taxable
at collateral rate X.15 �g. 0.00 '
19. TAX DUE ..... ........... ...... .................... ... ............ 19.', 7,491.70 '
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT �
Side 2
� 1505610205 1505610205 �
REV-1500 EX(FI) Page 3 File Number
Decedent's Complete Address:
DECEDENT'S NAME
B. JOYCE BITTNER
STREET ADDRESS
1906 LETCHWORTH DRIVE
CITY ' STATE ' ZIP -----
CAMP HILL PA ' 17011
Tax Payments and Credits:
1. Tax Due(Page 2,Line 19) (1) 7,491.70
2. CreditslPayments
A.Prior Payments
B.Discount
Total Credits(A+B) (2) 0
3. Interest
(3) 0
4. If Line 2 is greater than Line 1 +Line 3,enter the difference. This is the OVERPAYMENT.
Fill in oval on Page 2,Line 20 to request a refund. (4)
5. If Line 1 +Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 7,491.70
Make check payable to: REGISTER OF WILLS, AGENT.
�t� &��i���; '� �tus)' i � �� 'la �" u i i' �� GJ� '� �� r� ,�i
. -.. . a;�... `��..�„�..�v �r����i"���n�,Vf�.�9�,�.,.s., , . , . , .. ..�._..._n w •rvA�i un s q..„h��V c:NIJ j�d�4 v� �i!_o .� . . . . . . . . , , ,-sz . ��
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.......................................................................................... ❑ �
b. retain the right to designate who shall use the property transferred or its income ............................................ ❑ �
c. retain a reversionary interest .............................................................................................................................. ❑ �
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 payabie-upon-death bank account or security at his or her death?.............. � ❑
4. Did decedent own an individual retirement account,annuity or other non-probate property,which
contains a beneficiary designation? ........................................................................................................................ � ❑
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
I'.�a�i.�'", v ;. ... - �"� 4a����164 �7i�"d �i19L i��� ��upi .. .:
t . _ . . f_. .,. _.... _.m . .o.._� , ....+�P�.�PP�I �f�'�Ji.�,yur, .�c �,N �i u�l'v�.,,, ... . _. . . . . � . . . . . . , . .l �tT�"F4: ,
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)j.
For dates of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent
[72 P.S.§9116(a)(1.1)(ii)].The statute does not exempt a transfer to a surviving spouse from tax,and the statutory requirements for disclosure of assets and
filing a tax return are still applicable even if the surviving spouse is the only beneficiary.
For dates of death on or after July 1,2000:
. The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent,an
adoptive parent or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1.2)],
. The tax rate imposed on the net value of transfers to or for the use of the decedenYs 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 decedenYs siblings is 12 percent[72 P.S.§9116(a)(1.3)].A sibling is defined,
untler Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption.
REV-1502 EX+(12-12)
� pennsylvania SCHEDULE A
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN REAL ESTATE
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
B. Joyce Bittner, deceased 21-14-0398
All real property owned solely or as a tenant in common must be reported at fair market value.Fair market value is defined as the price at which property
would be exchanged between a willing buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts.
Real property that is jointly-owned with right of survivorship must be disclosed on Schedule F,
Attach a copy of the settlement sheet if the property has been sold.
ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE
NUMBER OF DEATH
DESCRIPTION
1• One-half interest as tenant-in-common in real estate located at 1906 Letchworth Drive, 78,250.00
Lower Allen Township,Cumberland County,Pennsylvania
(one-half of average of appraised values--please see attached)
TOTAL(Also enter on Line 1, Recapitulation.) $ �8,250.00
If more space is needed,use additional sheets of paper of the same size.
REV-i5o3 EX+(8-ii)
� pennsylvania SCHEDULE B
DEPARTMENT OF REVENUE
INHERITANCETAXRETURN STOCKS & BONDS
RESIDENT DECEDENT
ESTATE OF FIIE NUMBER
B. Joyce Bittner, deceased 21-14-0398
All property jointly owned with right of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION Of DEATH
1' 30 shares common stock,The Walt Disney Company 2,383.80
2. $50.00 United States Savings Bonds,Series EE(please see attached) 2,036.62
TOTAL(Also enter on Line 2, Recapitulation) $ 4,420.42
If more space is needed,insert additional sheets of the same size
REV-iso8 EX+(08-12)
� pennsylvania SCFIEDIJLE E
DEPARTMENTOFREVENUE CASH, BANK DEPOSITS & MISC.
INHERITANCE TAX RETURN PERSONAL PROPERTY
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
B. Joyce Bittner, deceased 21-14-0398
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly owned with right of survivorship must be disclosed on Schedule P.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
�. Good Housekeeping(refuntl on subscription) 5.25
2. Miscellaneous tangible personal property(appraised value--please see attached) 5,570.00
3. Cash from wallet 15.00
4. PSECU savings account(S1)(please see attached) 11,794.56
5. Accrued interest,PSECU savings account(S1) 1.45
g, PSECU checking account(S4) 354.57
7. Accrued interest,PSECU checking account(S4) .05
g. PSECU Christmas shares(S3) 501.12
g, Accrued interest,PSECU Christmas shares(S3) .06
10. PSECU Vacation shares(S2) 603.09
11. Accrued interest,PSECU Vacation shares(S2) .07
�Z, State Employees'Retirement System(final pension payment) 998.44
13. Professional Insurance Services,Inc.(refund of unearned premium--vision plan) 2g,75
14. United States Treasury(refund due per Form 1040,tax year 2013) 1,305.00
15. Pennsylvania TAP Guaranteed Savings Plan account number 556433455-01 2,093.35
16. Pennsylvania TAP Guaranteed Savings Plan account number 556433455-02 3,043.51
TOTAL(Also enter on Line 5, Recapitulation) $ 26,314.27
If more space is needed,use additionai sheets of paper of the same size.
REV-15o9 EX+(oi-io)
� pennsylvania SCI�IEDULE F
DEPARTMENTOFREVENUE ,70INTLY-OWNED PROPERTY
INHERITANCE TAX REfURN
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
B.Joyce Bittner,deceased 21-14-0398
If an asset became jointly owned within one year of the decedent's date of death,it must be reported on Schedule G.
SURVIVING JOINT TENANT(S)NAME(S) ADDRESS RELATIONSHIP TO DECEDENT
A�Austin R. Bittner 230 Bailey Street, New Cumberland, PA 17070 grandchild
B' Eric F. Bittner 1906 Letchworth Drive, Camp Hill, PA 17011 grandchild
C�Sandra L. Bittner 80 Coffeetown Road, Dillsburg, PA 17019 child
JOINTLY OWNED PROPERTY:
LEfTER DAiE DESCRIPTION OF PROPERIY %OF DATE OF DEATH
IfEM FOR JOINT MADE INCLUDE NAME OF FINANCIAI INSTIfUTION AND BANK ACCOUNT NUMBER OR SIMILAR DATE OF DEATH DECEDENT'S VALUE OF
NUMBER TENANT JOINT IDENTIFYING NUMBER.ATTACH DEED FOR]OINTLY HELD REAL ESTATE. VALUE OF ASSET INTEREST DECEDENT'S IMTEREST
1' A' various United States Savings Bonds,Series EE(please see attached) 577.24 50% 288.62
2 B various United States Savings Bonds,Series EE(please see attached) 573.96 50% 286.98
3 C PNC Bank checking account number 51-4000-4807 2,044.92 50% 1,022.46
4 C PNC Bank money market account number 50-0098-7186 12,507.83 50% 6,253.92
5 C 06/02/1981 Santander Bank checking account number 571119654 1,730.01 50% 865.01
6 C 12/02/1999 Santander Bank savings account number 2331042845 2,609.54 50% 1,304.77
TOTAL(Also enter on Line 6, Recapitulation) $ 10,021.76
If more space is needed,use additionai sheets of paper of the same size.
REV-I510 EX+ (08-d9}
� pennsylvania SCHEDULE G
� DEPARTMENTOFREVENUE INTER-VIVOS TRANSFERS AND
INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
B. Joyce Bittner, deceased 21-14-0398
This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes.
DESCRIPTION OF PROPERTY
ITEM IN0.UDE THE NAME OF THE iRANSFEREE,TFiEfR RELA7IONSHIP TO DECEDEM AND DATE OF DEATH %OF DECD�S EXCLUSION TAXABLE
NUMBER THE DATE Of TR4NSFER. ATfACH A COPY OF 7HE DEED fOR REAL ESTAiE. VALUE OF ASSET INTEREST (If PPPLiCABLE) VALUE
1. Dougias E. Bittner,child,30 shares U.S.Steel Corporation common stock g2�.40 100 821.40
titled"B.Joyce Bittner TOD Douglas E.Bittner"
2 Jeffrey D.Bittner,child,456 shares Marathon Petroleum Coporation common 39,986.64 100 39,986.64
stock titled"B Joyce Bittner TOD Jeffrey D.Bittner"
3 PNC Bank certificate of deposit number 31300292939,"in trust for" Austin R. 1,230.00 100 1,230.00
Bittner,grandchild
4 PNC Bank certificate of deposit number 31200292488,"in trust for" Eric F. 1,230.00 100 1,230.00
Bittner,grandchild
5 ING annuity contract number C104058-OX;beneficiaries--Jeffrey D.Bittner, 35,296.35 100 35,296.35
Douglas E.Bittner,and Sandra L.Bittner,children
6 Allstate Life Insurance Company annuity contract number GA16881781; 9,639.21 100 9,639.21
beneficiaries Jeffrey D.Bittner, Douglas E. Bittner&Sandra L.Bittner children
TOTAL(Also enter on Line 7, Recapitulation) $ 88,203.60
If more space is needed,use additional sheets of paper of the same size.
REV-1511 EX+(08-13)
� pennsylvania SCHEDULE H
DEPARTMENTOFREVENUE FUNERAL EXPENSES AND
INHERITANCETAXRETURN ADMINISTRATIVE COSTS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
B. Joyce Bittner, deceased 21-14-0398
DecedenYs debts must be reported on Schedule I.
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
1' Auer Cremation Services of Pennsylvania, Inc.(balance due) 372.00
2. Royer's Flowers 100.58
3. The Tribune Democrat(obituary notice) 204.90
a. The Patriot-News(obituary notice) 322.53
s. Sandra L. Bittner(reimbursement for funeral dinner) 786.25
s. Rolling Green Cemetery(inscription on marker) 145.00
B. ADMINISTRATIVE COSTS:
1. Personal Representative Commissions:
Name(s)of Personal Representative(s)
Street Address
City State ZIP
Year(s)Commission Paid:
2• Attorney Fees:
6,000.00
3. Family Exemption; (If decedent's address is not the same as claimant's,attach explanation.)
Claimant
Street Address
City State ZIP
Relationship of Claimant to Decedent
4, Probate Fees: 298.50
5. Accountant Fees:
6, Tax Return Preparer fees:
�• Cumberland Law Journal(legal advertising) 75.00
s. The Patriot-News(legal advertising) 196.82
s. PPL Electric Utilities(electric service--1906 Letchworth Drive) 198.00
�o. James D.Cameron,Esq. (reimbursement--certified mail fee) 7.40
(please see attached continuation sheet)
TOTAL(Aiso enter on Line 9, Recapitulation) $ 9,810.76
If more space is needed,use additional sheets of paper of the same size.
Estate of B.Joyce Bittner,deceased
No. 21-14-0398
SCHEDULE H(continued)
11. James D. Cameron, Esq. 7.19
(reimbursement for certified mail fee)
12. Erica S. Taylor 150.00
(appraisal fee—tangible personal property)
13. Stover Appraisals 375.00
(appraisal fee—Letchworth Road)
14. Register of Wills 10.00
(purchase additional short certificates)
15. James D. Cameron, Esq. 7.61
(reimbursement for certified mail fee)
16. Santander Bank 20.00
(fee for date of death valuation letter)
17. S.W. Barrett Real Estate &Appraisal Services 375.00
(appraisal fee—Letchworth Road)
18. Jeffrey D. Bittner 158.98
(reimbursement for repair to decedent's automobile)
REV-1512 EX+(12-12)
� pennsylvania SCHEDULE I
DEPARTMENT OF REVENUE DEBTS OF DECEDENT,
INHERITANCE TAX RETURN MORTGAGE LIABILITIES & LIENS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
B. Joyce Bittner, deceased 21-14-0398
Report debts incurred by the decedent prior to death that remained unpaid at the date of death,including unreimbursed medical expenses,
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1• UGI(gas service--Letchworth Drive) 138.39
2. Verizon(phone/cablelinternet--Letchworth Drive) 505.26
3. Pennsylvania American Water(water service--Letchworth Drive) 139.35
4. PPL Electric Utilities(electric service--Letchworth Drive) 303.45
5. Woman Within(balance due on account) 54.94
6. Best Buy Mastercard(balance due on account) 725.99
7. PSECU Visa(balance due on account) 86.38
8. Saye,Gette&Diamond Dermatology Associates(medical expense not covered by insurance) 56.80
9. Mutual of Omaha(automatic debit from decedent's bank account) 4.95
10. Somerset Daily America(automatic debit from decedenYs bank account) 7.00
11. Chase Bank(principal mortgage balance--1906 Letchworth Drive)(please see attached) 28,894.54
TOTAL(Also enter on Line 10, Recapitulation) $ 30,917.05
If more space is needed,insert additional sheets of the same size.
REV-1513 EX+(01-10)
� i �pennsylvania SCHEDULE �
DEPARTMENT OFREVENUE
INHERITANCE TAX REfURN BENEFICIARIES
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
B. Joyce Bittner, deceased 21-14-0398
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE
I TAXABLE DISTRIBUTIONS[Include outright spousal distributions and transfers under
Sec.9116(a)(1.2).]
1• Please see attached.
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET,AS APPROPRIATE.
II NON-TAXABLE DISTRIBUTIONS
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN:
1.
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS:
L
TOTAL OF PART II— ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $
If more space is needed,use additional sheets of paper of the same size.
Estate of B.Joyce Bittner, deceased
No. 21-14-0398
SCHEDULE J(continued)
Name and Address Relationship Share of Estate
Jeffrey D. Bittner child 31.5%residue
1854 Ravenridge Street 100% Schedule G Item 2
Wesley Chapel, FL 33543 1/3 Schedule G Item 5
1/3 Schedule G Item 6
Douglas Bittner child 17.5%residue
4208 Nantucket Drive 100% Schedule G Item 1
Mechanicsburg, PA 17050 1/3 Schedule G Item 5
1/3 Schedule G Item 6
Sandra L. Bittner child 30% residue
80 Coffeetown Road tangible personal property
Dillsburg, PA 17019 100% Schedule F Items 3-6
1/3 Schedule G Item 5
1/3 Schedule G Item 6
Desiree Anderson Payne step-grandchild 3.5%residue
1854 Ravenridge Street
Wesley Chapel, FL 33543
Austin R. Bittner grandchild 8.75%residue
230 Bailey Street 100% Schedule F Item 1
New Cumberland, PA 17070 100% Schedule G Item 3
Eric F. Bittner grandchild 8.75%residue
1906 Letchworth Drive 100% Schedule F Item 2
Camp Hill, PA 17011 100 % Schedule G Item 4
Sandra L. Bittner and daughter and
Martin A. Essig son-in-law $10,000.00 per Item II of
80 Coffeetown Road the Will
Dillsburg, PA 17019
� n � �
�.J �C�
LAST WILL AND TESTAMENT
OF
B. JOYCE BITTNER,
ALSO KNOWNAS BETTYJOYCE BITTNER
I, B. JOYCE BITTNER, ALSO KNOWN AS BETTY JOYCE BITTNER,
presently residing and domiciled in Lower Allen Township, Cumberland County,
Pennsylvania, hereby declare this to be my Last Will and Testament, and I hereby revoke
any and all prior wills and codicils previously made by me.
ITEM I: All my personal effects, clothing, furniture, furnishings,jewelry,
automobiles, other tangible personal property of every kind, and insurance thereon, I give
to my daughter, SANDRA L. BITTNER, if she shall survive me for a period of thirty
(30) days. If she shall not so survive me, then I give the same in equal shares to my
children who survive me for a period of thirty (30) days, to be divided between them as
they may agree, or, if they are unable to agree, as my Executor shall decide.
Notwithstanding any statutory provision to the contrary, I specifically intend
that each beneficiary under this Item I shall be responsible for any packing, shipping, or
other moving costs incurred with regard to any item of tangible personal property which
he or she receives hereunder.
ITEM II: I hereby give and bequeath the sum of Ten Thousand Dollars
($10,000.00) to my daughter and son-in-law, SANDRA L. BITTNER AND MARTIN A.
ESSIG, or their survivor, which sum shall be paid to them from the gross settlement
proceeds of the sale of my real estate situate at 1906 Letchworth Drive, Lower Allen
Township, Camp Hill, Pennsylvania, in repayment to them of funds advanced to me at a
real estate se�tlement.
� ITEM III: All the rest, residue, and remainder of my estate I give, devise, and
bequeath as follows:
A, Thirty-five percent (35°/o) to my son, JEFFREY D. BITTNER, to be held and
distributed as follows:
1. If my son, Jeffrey, shall survive me for thirty (30) days, and if he shall be
married to Kathleen Bittner at the time of my death, then I direct ten percent (10%) of his
share shall be paid, instead, to his step-daughter, DESIREE ANDERSON PAYNE, with
the remainin� ninety percent (90%) of Jeffrey's share to be paid to him outright.
2. If my son, Jeffrey, shall survive me for thirty (30) days, but shall not be
married to Kathleen Bittner at the time of my death, then I direct that his entire share
shall be paid to him outright.
3. If my son, Jeffrey, fails to survive me for a period of thirty (30) days, then I
direct that the gift to him (including the conditional gift to Desiree contained in III.A.1.,
above) sha111;apse, and shall be distributed to my surviving issue, in accordance with this
Item III of this my Last Will and Testament.
B. Thirty-five percent (35%) to my son, DOUGLAS BITTNER, to be distributed
as follows:
1. If my son, Douglas, shall be living at the time of my death, then:
a. Fifty percent (50%)to Douglas, outright;
b. Twenty-five percent (25%) to his son, AUSTIN R. BITTNER, if he shall be
living at the time of my death; and
c. Twenty-five percent (25%) to his son, ERIC F. BITTNER, if he shall be living
at the time of my death.
If either Austin R. Bittner or Eric F. Bittner shall fail to survive me, then I direct that any
share payable to him under this Item III.B.1. shall be paid, instead, to his surviving
sibling. If bath Austin and Eric shall fail to survive me, then their shares shall be paid,
instead, to their father, Douglas Bittner.
2. If my son, Douglas, shall predecease me, then I direct that his share be paid in
equal shares to his sons, Austin R. Bittner and Eric F. Bittner, or their survivor. If neither
Douglas, Au�tin, nor Eric shall survive me, then this gift shall lapse, and shall be
distributed ta my surviving issue, in accordance with this Item III of this my Last Will
and Testament.
C. Thirty percent (30%) to my daughter, SANDRA L.BITTNER, if she shall be
living at the time of my death. If my daughter, Sandra, shall not so survive me, then I
direct that this gift to her shall lapse, and shall be distributed to my surviving issue, in
accordance with this Item III of this my Last Will and Testament.
ITEM IV: All estate, inheritance, and other death taxes, together with interest
and penalties thereon, with respect to any interest passing under this my Last Will and
Testament, any codicil thereto, or any non-probate asset, shall be paid out of the principal
of my residu�ry estate without apportionment.
2
ITEM V: I appoint my daughter, SANDRA L. BITTNER, as Executrix of this
my Last Will and Testament. I direct that my Executrix shall not be required to furnish
security in ariy jurisdiction.
If my;daughter, Sandra, is unwilling or unable to serve, then I appoint my son,
DOUGLAS 13ITTNER, as my Executor, to serve without bond.
ITEM VI: In addition to all other powers granted by law, my daughter, Sandra
L. Bittner, acting as Executrix, shall be empowered to select—in her sole and absolute
discretion—a licensed appraiser or appraisers to determine the value of the real property
known and numbered as 1906 Letchworth Drive, Camp Hill, Pennsylvania.
This �ower shall be for the express purpose of facilitating the sale by Sandra, as
Executrix, to herself, in her personal capacity, of any interest I may hold in this property
at the time of my death. The appraised value selected by Sandra—selected by her, in her
sole and absolute discretion, amongst any licensed appraisals received—shall be deemed
to'be the correct value of my said real property for the purpose of any sale she may enter
into with her'self(individually, or jointly with her husband).
The powers granted by this Item VI shall be personal to Sandra, and shall not be
possessed by any other fiduciary hereunder.
IN WITNESS WHEREOF, I have hereun jset hand and seal, 's 15�'day of
November, 2012. -`�, � ,
�� �« �
- B,� C. � TNER i
� L ��..�-{-fi��L)
B J CE BITTNER
WITNESSETH: The foregoing instrument was, on the date stated above, signed,
published, and declared by B. JOYCE BITTNER, ALSO KNOWN AS BETTY JOYCE
BITTNER, the Testatrix named therein, as and for her Last Will and Testament, in the
presence of us, who at her request, in her presence and in the presence of one another,
have subscri ed our as witnesses thereto.
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3
ACKNOWLEDGEMENT
Commonwealth of Pennsylvania :
. ss.
County of Dauphin :
AND NOW, this 15th day of November, 2012, I, the Testatrix whose name is
signed to the attached or foregoing instrument, having been duly qualified according to
law, do hereby acknowledge that I signed the instrument as my Last Will and Testament,
that 1 signed it willingly and as my free and voluntary act for the purposes expressed
therein. �
,
/ �
' C�;,�,
J Y B TNER
������
ff' J� CE BITTNER
Sworn to, subscribed, and acknowledged before me by B. JOYCE BITTNER,
ALSO KNOWN AS BETTY JOYCE BIT'TNER, the Testatrix, known to me, this 15th
day of November, 2012.
��
Notary Public
My Commission Expires:
COMMONWEALTH OF PENNSYWANIA
Notarlal Seal
Shana R.GeYer,Nota►`1�b���
Gty of Harrisburg,Dauphln County
My Commisslon ExPires July 20,2014
Member.Pennsvlvanla Association of Notarles
AFFIDAVIT
Commonwealth of Pennsylvania .
. ss.
County of Dauphin :
AND NOW, this 15th day of November, 2012, we, JAMES D. CAMERON and
CYNTHIA L. CAMERON, the witnesses whose names are signed to the attached or
foregoing instrument, being duly qualified according to law, do depose a.nd say that we
were present and saw the Testatrix sign and execute the instrument as her Last VJill and
Testament; tl�at she signed it willingly and executed it as her free and voluntary act for
the purposes therein expressed; that each of us in the hearing and sight of the Testatrix
signed the Will as a witness; and that, to the best of our knowledge, the Testatrix was at
that time at least eighteen (18) years of age, of sound mind, and under no constraint or
undue influence.
Wit ess
��i .1/C. ��---.
Wi ess
Sworn to and subscribed before me by JAMES D. CAMERON and CYNTHIA L.
CAMERON, the witnesses, known to me, this 15th day of November, 2012.
,,,,,�
Notary Public
My Commission Expires:
COMMONWEALTH OF FENWSYL�AN1�
Notarlal Seai
Shana R,Geyer,Notary Public
Gty of Harrisburg,Dauphin County
My Commission Expires]uly 20,2014
Member,Pennsvlvrn!?Associatlan of Notarfes
S. W. Barrett Real Estate & Appraisal Services
File No. 14•0223
APPRAISAL OF
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LOCATED AT:
1908 Letchworth Drive
Camp Hill, PA 17011
CLIENT:
James D Cameron, Esquire
1325 North Front Street
Harrfsburg, PA 17'102
AS OF:
March 30, 2014
BY:
Cassandra J. Crockett
PA Certified Residential Real Estate Appraiser
S. W. Barrett Real Estate 8, Appraisal Services
File No. 14-0223
12/01/2014
James D Cameron, Esquire
1325 North Front Street
Harrfsburg, PA 17102
File Number: 14-0223
In accordance with your request, I have appraised the real property at:
1906 Letchworth Drive
Camp Hill, PA 17011
The purpose of this appraisal is to develop an opinion of the defined value of the subject property, as improved.
The property rights appraised are the fee simple interest in the site and improvements.
In my opinion, the defined value of the property as of March 30, 2014 is:
$155,000
One Hundred Fifty•Ffve Thousand Dollars
The attached report contains the description, analysis and supportive data for the conclusions,
final opinion of value, descriptive photographs, assignment conditions and appropriate certifications.
Respectfully submitted,
L C2,�.%t,ti�'2� �
Cassandra J. Crock tt
PA Certified Residential Real Estate Appraiser
' Summary
Residential Appraisal Report FileNo. 14-0223
The purpose of this appreisal report is ro provide the client with e credible opinion of the defined value of the subject property,given the intended use of the appraisal.
CllentNamellntendedUser J811188 D Ceme�On Es uire E-mail '
ClientAddress 1325 North Front Street ci� Harrisbur siace PA zi 17102
� Additional�ntendetl User s The intended user of thts re ort is the Client. No addittonal Intended Users are erm itted without the
erm isslon of the a raiser s .
. intended use The Intended Use is to evaluate the ro ert that is the sub ect of this a raisal to rovide the Client with an
accurate and ade uatel su orted o Inion of value.
Pro er Address 1908 Letchworth Drive Cit Cam HIII State PA Zi 17011
OwnetofPublicRecordBlttnB� B�ett Jo ce 8 Sandra L coun� Cumberland
Le alDescri tion Deed Book 247' Pa e 2142• Lower Allen Tw
Assessor's Parcel s 1 3-23-0547-202 Tax Year 201 3 R.E_Taxes S 2 075.00
Nei hborhood Name Hi hland Estat9S Ma Reference 23-0547 CensusTract 0110.00
Pro er RI hts A raised X Fee Sim le Leasehold Other descrihe
M reseaich ditl X did not�eveal an rior sales or trensfers of lhe sub'ect ro ert Por the three eers rior ro Ihe effective date o�Ihis a raisal.
PriorSalel7ransfer: Date 07/16/2001 Price 1 sources Courthouse RecordE
-Analysisofpriorsaleortransferhistoryof[hesubjectproperry(andcompara6lesales,ifepplicahlej NO further recent recorded transfers were found.
Offerings,options and contracts as of the ef(ective date of the appraisal N O�8 kn0 W n
�° .. , :':�:� � .,,:v... � .,w.,".� ;��41�x:�'.' � ':.,',� '.. :.': . � , .. o:ry�Wnit� :a.a�sin(f"T,►�rtds Qn��Un,{.t;lip�rilh0 11�tls+n'4Lin`d�:.�ll �96.�.',t:�
Localion Urban X Suburban Rural Pro ert Values Increesin Stable Declinin PRICE AGE One•Unit 75 %
Buill-U Over 75% 25-75% Under 25% DemandlSu I Shorta e X In Balance Over Su I E 000 rs 2-4 Unit 4 %
Growth Ra id Stable Slow Marketin Time Under 3 mihs X 3•6 mths Over 6 mlhs 85 Low 0 Mulli•Famil 1 %
� Neigh6orhood Boundaries Sub ect is bounded on the north b Harrisbur Ex resswa • on the 225 Hi n 100+ commerciai 15 w
� east b I-83 corridor• on the south b Pa.Turn ike• and on the west b Rt.15. 150 Pred. 60 omer Indstrl 5 %
� NelghborhoodDescriptlon Sub ect ro ert is located in an establlahed nei hborhood of homes both detached and attached
' between Cam Hfll and New Cumberland with a mix of reaidential and commercial/industrial usa e. Sho in and other
amertities are within walkln or short drivin distance. School s stem is West Shore District and school com lex is withfn .75
m ile.
MarketConditions(includingsupporttortheaboveconclusions) Pro ert values are currentl stable in the sub ect ro ert 's marketarea. Local
multi-list data indicates an avera e marketin time of 90-180 da s. Lendin rates have rema(ned favorable althou h sales
concessions are occurin more fre uentl . There are new homes undsr construction in surroundM develo ments as well as
re-sales available in the nei hborhood.
Dimensions 80x183.41x65.88x210.43 Area 12394 S .Ft. +I. sha e Irre ular view Resfdentlal
S ecific Zonin Classification R1 Zonin Descri tion Sin le Fam il ESteblished Residentfal
Zonin Com liance Le el Le al Nonconfarmin Grandtathered Use No Zonin Ille al describe
Is the highest and best use of the subJect property as Improved(or as propased per plans and specifications)the present usel X Yes No If No,describe.
Utllitl�s Public Other deacrlba Publlc Other tlescrlbe Off-sltalm rov�menta—T • Public Prlvate
Electricit X 200 am Water Street AS halt
Gas Sanitar Sewer Alie NOtI@
si�ecomments There are no a arent adverse easements encroachments or other adverse cond(tions.
GENBRAC DESCRIP710N FOUNDA710N EXTERIOR DESCRIPTION materlals INTERIOR amatertels
Units X One OnewlAcc.unit X ConcreteSlab X CrawlS ace FoundationWalls BIOCk/AV Floors Hrdwd/Tile/A-G
Hotstories One X FullBasemenl PartialBasemenl ExteriorWalls Aluminum/Av Walls Plstf/Panel/Av
T e X Det. Att. S-Del./EntlUnit BasemenlArea 1040 5 .ft. RoofSurface Shifl le/A-G Trim/Finish WOOd/AV
X Existin Pro osed UnderConst. BasemenlFinish 50% Gutters&Downs outsAluminumlAv BathFlaor Tfle/A-G
Desi n st �e One Stor OutsideEntr /Exit Sum Pum windowT e DbIHn /A-G BathWainscot Tile/Fb� Is/A-G
YearBuilt 1950 Storm Seshllnsuleted Insulated/A-G CarStora e None
Effeclive A e Yrs 18-20 Screens Yes/A-G Drivewa q of Cars 2
Attic None Healin X FWA HW Radiant Amenities WoodStove s k0 Drivewa Surface AS h81t
X Dro Stair Stairs Other Fuel G dS X Fire lace s # 1 X Fence W OOdBO Gere e k of Cars 0
X Floor Scuttle Coolin X CentralAirConditionin X PatiolDeck BOlh Porch NOtl6 Car ort qofCars 0
Finished Heated Individual Other X Pool In round Other NOt18 Att. Det. Built-in
�A liances Refri eramr Ran elOven X Dishwasher X Dis osal Microwave WashedDr er Other describe
� Finished area above rade contains: 6 Rooms 3 Bedrooms 2 Beth s 1 643 S uare Feet of Gross Livin Area Above Grade
� AdditionalFeatures See Attached Addendum
Commentson the Improvements Im rovem ents are in avera e- ood condition with no h sical or functional inade uacies a arertt.
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ADDENDUM
Client• James D Cameron Esquire File No.: 140223
Property Address 1906 Letchworth Drive Case No.:
City: Camp Hill State: PA Zip: 17011
Additional Features
Home has been remodeled/up-dated over time; roofing,windows,appliances replaced; rear addition,sun room,
master bedroom/bath added in 2003; skylights,ceiling fans, pocket doors; hardwood 8 tile floors; lower level finish
not recently up-dated,currently used as storage; rear deck, brick patio,frame shed,covered potting area[earth
floor]to side of dwelling,fenced yard, inground pool [14 x 36].
Addendum Page 1 of 1
' Summary
Residential Appraisal Report FileNo. 74-0223
FEATURE SUBJECT COMPARABLESALEN0.1 COMPARABLESALEN0.2 COMPARABLESALEN0.3
1906 Letchworth Drive 3000 Morningside Drive 1397 Lowther Road 201 Norman Road
nddress Cam Hill Pa 17011 Cam Hill Pa 17011 Cam Hill Pa 17011 Cam Hill Pa 17011
Pioximit to Sub'ect ` 0.96 m Iles S W 0.59 m Iles N E 0.72 m fles N E
saie Price E S 145 000 ' ' E 135 000 �' ' - ` S 155 000
Sale PricelGross Liv.Area S 0.00 s .tt. S 11 2.7 5 s .ft. S 90.91 s .tt. ' ' E 110.95 s ft. l
oaia source s M ulti-list M ulti-list M ultl-Itat
veriricaiion source s <; Courthouse Records Courthouse Records Courthouse Records
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION � EAd�ustment DESCRIPTION � SAa�ustmeni DESCRIPTION � S�tl�ustment
saleorFinancing '. ClsgCsts/Conv ClsgCsts/Conv ClsgCstsIFHA
Concessions 4000IDOM 31 0 40501DOM 27 0 SOOOIDOM 64 0
Date otSalel7ime =' 7/2014 9/2013 1212013
�ocauon Suburban Suburban Suburban Suburban
Leasehold/Fee Sim ie Fee Sim le Fee Sim le Fee Sim le Fee Sim le
Site 12394 sf 9148 sf 0 8712 sf 0 9148 sf 0
view Residential Resfdential Residential Residential
oesi n s� ie One Stor One Stor One Stor One Stor
uaiic orconsuuc�ion Avera e Avera e Avera e Avera e
� ActualA e 64 Yrs BO Yrs 0 63 Yrs 0 58 Yrs 0
condition Av /Good Av /Good Av /Good Good -10 000
AbOVB GfBdB Total Bdrms. Bal�s Tolel BOrms. Bat�s Tolel Bdrms. Beths Tolel Btlrms. Beths
� Room Count 8 3 2 5 2 1 4 000 8 3 1 4 000 6 3 2 0
_ Gross livin Area35.00 1 643 s .tt. 1 286 s .t�. 12 495 1 485 s .ft. 5 530 7 397 s .ft. 8 610
easement&Finished Full Bsmt/ Full Bsmt/ Full Bsmt/ Crawl Space 7,500
' RoomsBelowGrade Partiall Finshd. Famil Room -2 500 Partiall Finshd 0
FunctionalUtilit Avera e 2 Bdrm/Inferior 4 000 Similar 0 Simitar 0
- Heatin ICoo�in GFHA/CA OFHA/CA 0 GFHA/None 2 000 GFHA/CA
ener Eflicientltems T Ical T ical T ical T ical
cara e/car ori OSP 1 Car Gara e -5 000 1 Car Gara e -5 000 1 Car Gara e •5 000
PorchlPaliolDeck Deck/Patio/ Porch/Patfo/ 0 Deck/Patio 0 Porches/FP/ •2 000
Shed/FP Shed/BBQ 0 None 1 500 Shed 0
Amenities IG Pool/Fnc IG Pool/Fnc None 5 000 None 5 000
NetAd'ustment Total - X + S 12 995 X + S 13 030 X + E 4 110
AdjustedSalePrice ' � NetAdj. 9.0% NetAdj. 9.7% NetAdj. 2.7%
oiCom arables �'' ti .�', ` crossnd. 19.3% 157 995 GrossAd. 17.1% 3 148 030 GrossAd'. 24.8% S 159 110
summar otsaiescom erisonA roach All com arables are similar in utilit and location to the sub ect ro ert are verified closed
sales and are the best currentl available. Limited sales of homes in sub ect's value ran e have recentl occurred re uirfn
an ex anded search and exceedin t ical ad ustments. Closin costs are deducted onl for the amount the inflated the
sellin r(ce above the Iisted rice. Sale #1 was included with an in round ool and althou h tt transferred after the effective
date of this re ort there would have been no chan e in value. Sale #3 had been recentl rem odeled/u -dated and was in
su erior condttion. Bedrooms 8 full baths were ad usted at 4 000/each.
Ad usted ran e of value is 148 000 to 159 000 sa 155 000.
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sicevamecommencs Site value from recent local land sales and current assessment data.
ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE........................................= E . 45 OOO
Source ot cost data Dwellin S .Ft. E ............= E
,' ualit ratln from cost service Effective dare of cost data S .FL S ............= S
Commenis on CostA roech ross livin area calculations de reciation etc.
Cost A roach from Marahall/Swift Valuation Service cere e�car ore s .Fi. E ..........= S
• handbook and local cost anal sis was considered but TotalEstimateofCost-New = 5
deemed not credible due to the a e of the im rovements. �ess Ph sicai Funciional Ex�ernal
Site value from Market Data. De reciation based on a e/Iife oe reciacion = 3
observed condition and Market Data Anal sis. Estimated oe reciatedCosto(Im rovements................................ = S
rem ainin ECOnOrt11C Llfe Is 40 ea�s. 'As-is"Value ofSite Im rovements................................ = S
INDICATED VALUE BY COST APPROACH...................... = 0
,�C� 6'� �x -s 4, �!d�W"�
Estimated Monthl Marke4Rent S 0.0�0 X Gross Rent Multi lier 0.00 =E 0 Indicated Value b Income A roach
• SummaryoflncomeApproach(includingsupportformarketrentandGRM) N/A
Indicated Valus b : Sales Com erison A roech t�55 OUO CostA roech Ildevslo ad 3 � Incom e A roach 1}davalo ed 3 0
Market Anal sis consistentl su orts the o inion of market value. Cost A roach and GRM were found ina ro riate for
this anal sis. Greatest wel ht is a Ifed to the Market Data Anal sis. Su ortin ffle information substantiates these
� est(m ates.
This appraisal is made X 'as is; subject m completion per plans and specitications on the besis ol a hypothetical condition that the improvements have heen completed,
❑su6ject to the�tollowing repairs or alterations on the basis of a hypothetical condition that the repairs or alteretions have been completed ❑subject to the fallowing:
� A raisal is for client onl nontransferable.
Based an the scope ofwork,asaumptlons,limiting conditiona and appraiser'a certification,my(our)opinion ofthe defined value ofthe real property
thst is the aubject ofthis repartis S 155,000 as of 03/30/2014 [DO D] ,which ia the effective date ofthis appraisal.
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' Summary
Residential Appraisal Report FileNo. 14-0223
Scope of Work,Assum ptions and Lim iting Conditions
Scope oiwork ia defined in the Uniform Standards of Profesaional Appraisal Practice as"the type and extent of research and anaiyses in an
asslgnment." Inshort,acopeofworklasimply whattheappraiserdidanddidnotdoduringthecourseoftheasslgnment. Itlncludes,butisnot
Ilmited ta: the extentto which the property is identified and inspected, the type and extentof data researched, the type and extent ofanalyses applied
to arrive at opinlons or concluslons.
The scope ofthis appraisal and ensuing discussion in this report are specific to the needs of the cllent,other ldentified intended users and to the
�intended use of the report. This reportwas prepared for the sole and exclusive use ofthe clientand other ldentified intended usera for the identified
intended use and its use by any other parties is prohibited. The appraiser is not responsible for unauthorized use of[he report.
The eppraiser's certiflcation appearing in this appraisal report is subJectto the following conditions and to such other specific conditlons as are
setforth by the apprafser in the report. All extraordinary assum ptions and hypotheticalconditlons are stated in the reportand mighthave affected the
assignmentresults.
1. The eppraiser assumes no responsibility for matters of e legal nature affecting the property appraised or[itle Ihereto,nor does[he appraiser rendet any opinion as to ihe title,which is
assumed ta be good and marketable. The property is appreised as though under responsible ownership.
2. Any sketch In this report may show approximate dimensions and is included only to assist the reader in visualizing the property. The appraiser has made no survey of lhe properry.
3. The appraiseris not required to give testimony or appeer in courl because of having made the appraisal with reference to the properly in question,unless arrengements have been
previously made Ihereto.
4. Neither ail,nor any part of the content of this report,copy or other medie ihereof(including conclusions as[o the property value,the identlty of the appraiser,professionel deslgnations,
or the firm with which the appraiser is connected),shall be used for any purposes by anyone but the client and o[her intended users as identified in this report,nor sheil it be conveyed by
anyone to the public thwugh advertising,pu6lic relations,news,sales,or other media,without the written consent of the appraiser.
5. The appraiser will not disclose the contents of this appralsal report un�ess required by applicable law or as specified in the Uniform Standards of Professional Appraisal Practice.
6. Information,estimates,and opinions furnished to the appraiser,and conteined in ihe report,were oblained from sources considered relieble and believed to be true and correct.
However,no responsibllity for accuracy of such items furnished to the appraiser is assumed by the appraiser.
7. The appraiser assumes thafthere are no hidden or unepparenl conditions ot the property,subsoil,or slructures,which would render it more or less valuable. The appraiser essumes
no responsibiliry for such conditions,or for engineering ortesting,which might be required to discover such factors. This appraisat is nat an environmental essessment of the property and
should not be considered as such.
8. The appraiser specializes in the valuation of real properry and is not e home inspector,building contractor,structural engineer,or similar expert,unless otherwise noted. The appraiser
did not conduct tbe Intensive rype of fieid observations of the kind intended ro seek and discover properry defects. The viewing o(the property and any improvements Is for purposes ot
developing an opinion otthe defined vaiue otthe properry,given the intended use oRhis assignment. Statements regarding condition are based on surtace observations only.Jhe
appraiser claims no special expertise regarding issues including,Eut not limited to:foundation settlement,basement moisture prohlems,wood destroying(or other)insects,pest infestation,
radon gas,lead based paint,mold or environmental issues. Unless otherwise indicated,mechanical systems were not activated or tested.
This appraisal reporl should nat be used to disclose the condition of the properry as it reletes to the presencelabsence of defects. The client is invi[ed and encoureged to empioy qualified
experts to inspect and eddress areas af concern. If negative conditions are discovered,Ihe opinion of value may be affected.
Unless otherwise noted,the appraiser assum es the com ponents that constitute the subJecf property Im provem ent(s)are fundam entally sound and in
working order.
Any viewing ot the properry by the appraiser wes limited ro readily observab�e areas. Unless otherwise noted,attics and crawi space areas were not accessed. The appraiser did not move
furniture,tloor coverings or other items that may restrict the viewing of the property.
9. Appraisals involving hypo[hellcal conditions related ro completion ot new construction,repairs or elteralian are hased on the assumption that such completion,alterelion or repairs wiil
� be campetently performed.
10. Unless the intended use ot this appraisal specifically includes issues of property insurance coverege,this appraisal shaultl not be used tor such purposes. Reproduction or
Replacementcost figures used in the cost approach are for valuation purposes onty,given the intended use of the assignment. The Definition of Value used in this assignment is unlikely
ro be consistent with the tlefinition of Insurable Value for property insurance coverageluse.
11. The ACI General Purpose Appraisal Report(GPARTM)�s not intended for use in transactions thatrequire a Fannle Mae 30041Freddie Mac 70 form,
aiso known as the Uniform Residential Appraisal Report(URAR).
AdditionalCommentsRelated ToScopeOfWork,Assumptionsand Llmiting Conditions
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" Summary
Residentiat Appraisal Report FileNo. 14-0223
Appraiser's Certification
The appralser(s)certifies that,to the best of the appralser's knowledge and belief:
1. The s�atements of fact con�ained In tbis report are true and correct.
2. The reported anaryses,opinions,and conclusions are limited only by ihe reported assumptions and limiting conditians and are the appraiser's persona�,imparlial,and unbiased
professionel analyses;opinions,and conclusions.
3. Unless otherwise slated,the appreiser has no present or prospective inleres[in the properry that is ihe suhject of this report and hes no personal interest with respect to the parties
involved.
4. The appreiser has no bias with respect to the properry that is the subject of this report or ro the perties involved with this assignment.
5. The appraiser's engagement in this assignmentwas not contingenl upon developing or reporting predelermined results.
6. The appraiser's compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value ihat favors the cause of
the client,the amount of the value opinion,the attainment ot a stipulated result,or the occurrence of a subsequent event directly related to the intended use of this appraisal.
7. The eppraiser's enalyses,opinions,and canclusions were developed,and this report has been prepared;in contormity with ihe Uniform Stendards of Professionel Appraisal Prec[Ice.
8. Unless otherwise noted,the appreiser has made a personal inspection ot the property that is the subject of this report.
9. Unless noted below,no one provided significent real property appraisal assistance to the appraiser signing this certification. Significant real property appraisa�assistance provided by:
A d d itional C ertification s:
DeflnitionofValue: XQMarketValue ❑OtherValue:
sourceolDetinition: USPAP
The most probable prfce in terms of money which a property should bring in a competitive and open market under all
conditions requfsite to a fair sale, the buyer and seller, each acting prudently, knowledgeabiy and assuming the price is not
affected by undue stim ulus.
ADDRESS OF THE PRtlPERTY APPRAISED:
1908 Letchworth Drive
Cama Hill, PA 17011
EFFECTIVE DATE OF THE APPRAISAL: 03I30/2014 [DO D]
APPRAISED VALUE OF THE SUB.]ECT PROPERTY E 155,000
APPRAISER SUPERVISORYAPPR ER
� % ���---� �
Signatute: Signature: �
Name: Cassandra J. Crockett Name: Steven W. Barrett, SRA. SRPA
State Certitication# RL001348L State Certitication# G A000298L
or License# or License q
or Other(describe): state#: State: PA
State: PA Expiretion Date o(Certitication or License: 06I30/2075
Expiration Date of Certltication or License: 06/30/2015 Date of Signature: 12/01/2014
Date of Signamre and ReporC 12101/2014 Date of Properry Viewing:
Date ot Pro'perry Viewing: 11/14/2014 Degree of property viewing:
Degreeofpropertyviewing: ❑InteriorandExterior ❑ExteriorOnly XODidnotpersonallyview
�Interior and Exterior ❑Exterior Only ❑Did not personatly view
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Paqe 1 0l 4 (qPAR"')Generel Purpose Appralsel Repmt 05@OS
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` - Summary
USPAP ADDENDUM Fi�eNo. 14-0223
Borrower: B Jo ce BITTNER Estate
PropertyAddress: 1906 Letchworth Drive
City: Cam p Hill County: Cum berland State: PA Zip Code: 17011
Lender: James D Cameron Es utre
APPRAISAL AND REPORT IDENTIFICATION
This report was prepared under the following USPAP reporting option:
� Appraisal Report A written report prepared under Standards Rule 2-2(a).
❑ Restricted Appraisal Report A written report prepared under Standards Rule 2•2(b).
Reasonable Exposure Time
My opinion of a reasonable exposure time for the subject property at the market value statetl in this report is: 90-180 davs.
Additional Certifications
X�I have performed NO services,as an appraiser or in any other capacity,regarding the property that is the subject of this report within the three-year
period immediately preceding acceptance of this assignment.
�I HAVE performetl services,as an appraiser or in another capacity,regarding the property that is the subject of this report within the three-year
period immediately preceding acceptance of this assignment.Those services are described in the comments below.
Additional Comments
APPRAISER: SUPERVISORY APPR ER(only if req�red •
V✓
Signature: � Signature: �"—
Name: Cassandra J. Crockett Name: Steven W. Barrett, SRA. SRPA
Date Signed: 12/01/2014 Date Signed: �2�01/2014
State Certification #: RL001348L State Certification #: GA000298L
or State License#: or State License#:
or Other(describe): State#: State: PA
State: PA Expiration Date of Certification or License: 06/30/2015
Expiration Date of Certification or License: 06/30/2015 Supervisory Appraiser inspection of Subject Property:
Effective Date of Appraisal:M arch 30, 2014 ❑ Did Not ❑ Exterior-only from street ❑ Interior and Exterior
VroCucetl usinp ACI sollwere,800.231.877T www.eciweb.cam � USPAP_14 0/07201/
� ' FLOORPLAN SKETCH
Client' James D Cameron Esqulre FIIB NO,; 14-0223
Propertv Address�7906 Letchworth Orive Case No.:
Cit : Cam Hill State: PA ZI : 17011
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Pan[ry W.I. �
Sun Room Mstr.
(d Mstr. E
_ I 4�o.y Bath gedroom t_
O' �
o�
��, ,�e° Bath
Ze ���
— Clst.
Clst.
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Living Room a�o°� BeGroom
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sks�en ny�o•z M.mn.�
Comments:
ARE:A GALCUtATIONS S�U`MMARY LIV�ING, A-REA HR�EIIKQO.iNN',
+�adp" ::. ,Dpa�tlPtion � Ns3_Slze Nat7o.tals Bnak�own . 8ubtatals `
OL1►1 liraL Tloor: 16�7.5 16{4.5 Firat floor .
p/P � �Mood�D�-ek � � � 1]7.0 � O.S �c 0.3 x ]6.0 {�.0
ltocd Daak. 136.0 1�.0 x 39:8 3.57.3
ariok- natio �56.0 L0.0 x ]6.A 1040.0
sEaoD 34.0 9�0 x 70.0 40,0
Cvrd. Pottdaq 1►z�a 65.0 90@.0 0..5 x 0,9 x 1�.0 1.4
-0.S : 0.0 x 9.0 0.0
, Net LIVABLE Area (rounded) 1643 6 Items (rounded) 1642
Client' James D Cameron Esquire File NO.: 14-0223 _
ProDertvAddress�1906 Letchworfh Drive Case No.:
Cit : Cam Htll S[dte: PA Zi : 17011
` FRONT VIEW OF
SUBJECTPROPERTY
Appraised Date:M arch 30, 2014
E:. Appraised Value:$ 155,000
: i:� -
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REAR VIEW OF
SUBJECTPROPERTY
f
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STREETSCENE
Client James D Cameron Esqufre File No.: 14-0223
Pro�ertV Address�1908 Letchworth Drive Case No,: _
Cit : Cam Hill State: PA Zi : 17017
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left front
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Praduced uainp ACI aaliwere,BOO.Y3d.8727 wrw.eciwt6.cam PHTJ 05414013
Client' James D Cameron Esquire File No.: 14•0223
Prooertv Address�1908 Letchworth Drive Case No.:
Cit : Cam H11F State: PA ZI : 1�011
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ProtluCeO uSing qCl aoliwere,800.13/.87]7 WWw.aciweC.cam PHTJ 05Y11013
. _ _.... --------
Client James D Cameron Esquire File No.: 14_-0223
PropertV Address�1908 Letchworth Drive CaSe NO.:
Cit : Cam Hill State: PA Zi . 17017
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��`� �f - � � !'`�� ��`� � �� � COMPARABLE SALE #1
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3000 Morningside Drive
Camp Hill, Pa 17011
l`:< Sale Date: 7/2014
- ��``�� ��-+7`�[' Sale Price:$ 145,000
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COMPARABLE SALE #2
1397 Lowther Road
, . , . � Camp Hill, Pa 17011
� Sale Date: 9/2013
Sale Price:$ 135,000
�;
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COMPARABLE SALE #3
�"
201 Norman Road
Camp Hill, Pa 17011
Sale Date: 12/2013
Shce PfiCe: $ 155,000
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- LOCATION MAP
Client' James D Cameron Esqutre File No.: 14-0223
Pro ert Address:1906 Letchworth Drive Case No.:
Cit : Cam Hill State: PA Zi : 17017
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File No. 14-0223
********* Q U A L I F IC A T 10 N S *********
The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this apprafser during the
inspection of the subJect property, the comparables sales, and their neighborhoods and Iocations. Unless otherwise
noted, the condttions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET
VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. Thfs is not a home
inspection service. This is an appraisal to estimate market value.
____1. The subject is located in a rural area and is less than 25% built-up.
x 2. Commercialllndustrial uses are located within the subJect's neighborhood. These uses are typical of si.milar
neighborhoods.
3. Vacant and undeveloped land uses are located within the subJect's neighborhood. These uses are typical for
the area.
4. The predominant value in the neighborhood is less than that of the market value of the subJect property. This
(s due to the very wide range of value of properties in the area and superior quality of the subject property.
____5. The subject property is located in a F.E.M.A. Identlfied Flood Zone. Flood insurance coverage is required and
suggested.
__6. Dampness is noted in the basement of the subject. Standing or running water was not present on basement
floor. This conditfon is considered typical in dwellings of this style.
____7. The subJect property is serviced by private well and/or septic systems which is common for the area.
_x__8. The subject is older than five(5) years. All mechanical systems including the heating, electrical and plumbing
systems appear upon a visual exterior Inspection to be in working order. No warranties are implied in this statement.
__9. Repair items were noted in the comments section of the report. These comments on repair items are for
descrtptive purposes only and are not required repairs. The items listed are cosmetic in nature.
10. The basement floor is a dfrt floor. This condition is common and typical for the area. and does not pose a
health or safety hazard.
___11. The subJect property does contain functional obsolescence as noted In the report. This condition is
considered typical and common for the area and this style dwelling.
12, The land value exceeds 30% of total value due to the high dem and for vacant land in this neighborhood. This
condition is considered com m on and typical for the neighborhood.
13. The land value exceeds 30% of total value. This is due to the large size of the site. This condition is
considered to be typical and common.
14. Individual ad)ustments were required that exceed 15%. These adjustments were required due to lack of more
similar comparables on that individual rating. All comparables used are the best avaflable.
_ 15. Total adjustments exceed 25%. This fs due to the lack of comparable sales that were more similar in the
subject's market area. All comparables used are the best available.
_ 16. One or more comparable sales are older than six(6) months. Although there are comparable properties fn the
subject's area, none have sold recently; therefore, sales in excess of stx(6) months have to be used. All comparables
used are the best available.
___17. One or more comparables used were in excess of one (1) mfle from the subJect property. Although there are
comparable properties in the tmmediate a�ea, none have sold recently. Therefore, it was necessary to use comparable
sales outside of the immediate area. All comparables used are located in similar neighborhoods and within the same
marketing area. All comparables used are the best available.
___78. The electrical system was not connected during inspection.
___19. The water service was not connected during inspection.
___20. The heatfng system was shut down during inspection.
___21. Roofing____Plumbing____Electrical____Heating____certification(s) islare suggested.
___22. Inground swimming pool____, out buildings_____are included_____,not included____according to lender's
guidelines.
___23. According to lender's guidelines a maxtmum of____acres were considered for thfs valuat(on. Remaining
acreage was given no value.
File No. 14-0223
*********Q U A LIFIC A TIO N S *********
___24. The subject property is located on a private road.
25. Wood infestation inspection is suggested.
x 28. Last recorded deed transfer: Date__7/16/2001______, Consideratfon: 51.00__________.
___27. Proposed construction/renovatfon in accordance to plans and specificatfons to be completed in a workman-like
manner.
___28. Seller is paying part or all of closing costs.
_x_29. All comparable sales are verified closed sales.
x 30. There are no special conditfons or other requirements that would affect market value or future marketability in
the Appraisal Report.
___31. AMC fee was required in order to accept this appraisal request.
File No. 14-0223
********* Q U A L I F IC A T 10 N S *********
Confidentiality and Security
We consider privacy to be fundamental to our relationship with clients. We are committed to maintaining the
confidentiality, integrity and security of clients' personal information. Internal policies have been developed to protect
this confidentiality, while allowing clfent needs to be served.
We restrict access to peraonal information to authorized individuals who need to know this information to comply with
federal standards to protect your nonpublic personal informatfon. We do not disclose this information about you or
any former consumers or customers to anyone, except as permitted by law. The law permits us to share this
information with our affiliates. The law also permits us to share this Information with companies that perform
marketing.
When we share nonpublic information referred to above, the information is made available for Ifmited purposes and
under controlled circumstances. We require third parties to comply with our standards for security and confientiality.
We do not permit use of consumer/customer tnformatton for any other purpose nor do we permit third partfes to rent,
sell, trade or otherwise release or disclose information to any other party.
Education
As of the date of this report, I and/or Steven W. Barrett, SRPA, SRA have completed the requfrements under the
continuing education program of the Appraisal Institute.
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APPRAISAL OF REAL PROPERTY
LOCATEO AT:
1908 Letchworth Dr
Deed Book 247 Page 2142
Camp Htll,PA 17011
FOR:
James D.Cameron,Eaq.
1325 N.Front St.
Hartisburg,PA 77102
AS OF:
o�aono,a
BY:
Dennis L.Stover
PA CeNfied ResidenUal Real Estate Appraiser
CertiflceUon Number RL 138908
Stover Appreisals
825 Adella St.
Middletown,PA 17057-2802
Fortn GA1—'WInTOTAL'apprafsal soflware by a la mode,inc.—1•800-ALAMODE
James D.Cameron,Esq.
1325 N.Front St.
Hartisburg,PA 17102
Re: Property: 1908 Letchworth Dr
Camp Hill,PA 17011
Clienl James D.Cameron,Esq.
File No.: 14-0830 R-1
In accordance with your request,we have apprafaed the above reterenced property. The report of that appraisal fs attached.
The purpose of this appraisal is to esUmate the market value of the property described in this apprafsal report,as improved,in
unencumbered fee simple UGe of ownershlp.
This report is based on a physical analysis af 1he sile and improvemenls,a locational a�alysis of the neighborhood and Gty,and an
economic analysis of the market for propeAfes such as the subject. The appraisal was developed and the report was prepared in
accordance with the UnHorm Standards of Professional Appraisal PracGce.
The value conGusions reported are as of the eifedive date stated in the body of the report and contingent upon the certification and
Ilmtting condttions ariached.
It has been a pleasure to assist you. Please do not hesitate to contad me or any of my statf iT we can be of additional service to you.
Sincerely,
� � �
Denn(s L.Stover
PA State Certified Residenlial Real Estate Appralser.
CertiflcaUon Number RL 738908
unam nro�ru.iy-uoov n-�i rauu asoi
Owner ms ewre a e.ao BlthwdSUWra L.BIWprIMWn E FlIB N . 14-0830 R-1
Pro e Address 1908 Letchworth Dr
C� Cam Hill COun Cumberland St2tC PA 2i COdB 17011
CIIBnt Jamea D.Cameron E .
TABLE OF CONTENTS
CaverPage ....................................................................................................................................................................................................................... 1
Letterof Transmittal .......................................................................................................................................................................................................... 2
Tableof Cor�ems .............................................................................................................................................................................................................. 3
Summaryof SalieM features.............................................................................................................................................................................................. 4
USPAPIdentlflcatlon ................................................................................................................................................................................:......................... 5
GPResidentlal ................................................................................................................................................................................................................... 6
AppraisalAddendum-Special CondiUans.......................................................................................................................................................................... 9
GPResidemial CertlflcaUons Addendum ............................................................................................................................................................................ 10
ExpandedSCape of Work................................................................................................................................................................................................... 12
SubfectPhotos................................................................................................................................................................................................................... 13
IMeriorPhotos .................................................................................................................................................................................................................. 14
BuildinpSketch(Page-1).................................................................................................................................................................................................. 15
PlatMap............................................................................................................................................................................................................................. 16
ComparablePhotos 1-3...................................................................................................................................................................................................... 17
LocadonMap..................................................................................................................................................................................................................... 18
Statementoi Limi�ng Condftlons ....................................................................................................................................................................................... 19
Qual�catlons..................................................................................................................................................................................................................... 21
Qualmcatlons..................................................................................................................................................................................................................... 22
ElectranicSignature Compliance........................................................................................................................................................................................ 23
Certlficate........................................................................................................................................................................................................................... 24
InvoiCe .............................................................................................................................................................................................................................. 25
Form TOCNP—"WinTOTAL'appraisal soflware by a la mode,inc.—1-800-ALAMODE
unan nio�r�.iY-uoo�n-ii rauo xYi
SUMMARY OF SALIENT FEATURES
Subject Address 1908 Letchworth Dr
Legal Descriptlon Deed Book 247 Page 2142
Clly Camp Hill
COUflty Cumberland
$f2tC PA
Zip Code t�Ot t
CensusTract a2oa1-o�io.oz
Map Reference zsazo
Sale Price S �
Date of Sale r�n
Owner Tha Eatate of B.Joyce Bklne�ISenMa L.BitlnerlMertln Essip
ClfeM James D.Cameron,Esq.
Size(Square Feet) �,838
Price per Square foot S
Locatlon subur�an
Ape ea
ContliUon Avg
Total Rooms �
Bedrooms 3
Baths 2
App�alser Dennis L.Stover
Date of Appraised Value o7n 8no14
Fnal Estimate of Value S �58,000
Form SSD—"WinTOTAL'appraisal soflware by a la mode,inc.—1-800-ALAMODE
Owner The Eelata W B. BlttnedSarMra L.BltlnxlMWn E ' FlIB N0.14-0630 R-1
Pro e Address 1908 Letchworth Dr
C Cam HIII COU� Cumbedand St2tB PA ZI COdO 17011
CIieM James D.Cameron Es .
APPRAISAL AND REPORT IDENTIFICATION
This Report is�of the followinp types:
�Appralsal Report (A written report prepared under Standards Rule p�p�y) ,pursuant to the Scope ot Wark,as disclosed elsewhere in this report.)
� RBSU1Cted (A written report prepared under Standards Rule 2-p�b) ,pursuant to the Scope of Work,as disclased elsewhere in lhis report,
App�eisel Report restricted to the stated irrtanded use by the speciFled cYent or IrKended user.)
Comments on Standards Rule 2-3
I ceAify tha�to fhe best of my knowledge and belief:
—ihe statemems of fact coMalned in this report are We and correct
—The reported analyses,opinions,and conclusions are limfted anry by me reported assumptlons and umitlnp cond'Nons and are my personal,impartlal,and unbiased professianal
anatyses,opinions,and conclusions.
—Unless olherwise indicated,I have no present or prospective imerest in the property ihat is the subject af this report and no persanal interest with respect to the partles invoNed.
—Unless otherwise indicated,I have performed no services,as an appraiser or in any other capacfry,regardinp me properry ihat is the subJect of thfs report within the three-year
perlod immediatety preced(np acceptance of ihis assipnmem.
—I have no bias wilh respect to the property that is The subJect oi this report or the partles involved with ihis assipnment.
—My enpapamem in this assipnmeM was not contlnpem upon developinp or repoNnp predetermined resutts.
—My compensation for completinp this assipnment is not conUnpem upon the devebpmeM or reportinp of a predetermined value or directlon in value that favors ihe cause af ine
client,the amount of the value opinion,ihe attainment of a stlpulated resutt,ar ihe occurrence of a subsequem event directly related to the intended use af this appraisal.
—My analyses,opinions,and conclusions were developed,and ihis repoR has been prepared,in cor�ormtty wifh the Uniform Standards of Professional Appraisai Practice that were in
effect at the tlme this report was p�epared.
—Unless otherwise Indicated,I have matle a personal inspection of the property ihat is the subject of this report.
—Unless atherwisa indicatad,no one provided sipnificam real property appraisal assistance W ihe person(s)signinp mis certlficatlon(if inere are exceptlans,the name af each
indivfdual providinp sipniflcant real property appraisal assistance is statad elsewhere in this repart).
Reasonable Exposure Time (USPAP defines Exposure Time as the estimated length of time that the property interest being
appraised would have been ofiered on the maricet prior to the hypotheUcal consummation of a sale at market value on the effecUve date of the appraisal.)
My Op(nion of Reasonable Exposure Time for the subject property at the market value stated in this report is: �-3 nnonms
Comments on Appraisal and Report Identification
Note any USPAP-related issues requiring disclosure and any state mandated requiremer�s:
SCOPE OF WORK
The sco e of work for this a raisal is defined b lhe com lexi oT this a raisal assi nmenl and the re ortin re uirements of this a raisal fortn inGudin the
deflnitlon of market value a statement of assum tions and Iimiti condidons and certiflcaUons. The a raiser has at a minimum: 1 rfortned a com lete
visual ins on oi the intertor and exterior areas oi the sub ed ro e 2 Ins cted the nef hborhaod 3 Ins ected each of the com arable sales(rom at
least the street 4 reaearched ve�fied and anal ed data from reliable ublic end/or Avate sources and 5 has re orteG his anal sls o Inions and
conGuslons in this a reisal re ort
The a raisal is based on the informatfon athered b ttie a raiser from ublic records other identified sources ins ction oi the sub ed ro and
nef hborhood and selection oi com arable salea xrithin tlie sub ecl market area. The ori inal source of the com arables is shown In the Data source section of
the market rid alon with the source oT conflrmadon if available. The o inal source is resented first. The sources and data are conaidered reliable. When
conflldin informaUon was rovided the source deemed most reliable has been used. Dala believed to be unreliable was not induded in the re ort nor used as
a basis for the valuaUon condusion.
"THERE WERE NO SERVICES REGARDING THE SUBJECT PROPERTY PERFORMED BY THE APPRAISER WITHIN THE PRIOR THREE YEARS AS AN
APPRAISER OR IN ANY OTHER CAPACITY"
pPPRAISER: SUPERVISORY or CO-APPRAISER(if applicabls):
S(gnature: � � �d"" Signature:
Nei1�e: Dennis L.Stover Name:
$12tB CBftlflC3tI0f1#: RL 138908 ST8t8 CBfUfIC8U0f1#:
or State License#: or State ucense#:
State: Pn Expiratlon Date of Certlficatlon or License: osi3orto�5 State: Expiratian Date of Certlfication or License:
Date of Signature and Repart: duiy 3o zo�a Date of Signawre:
Effective Date of Appraisal: o3i3ono14
Inspectlon ot SubJect: ❑ None Irrterior and 6Rerior Fxteriar-0nly Inspec�on of Sub�ect: ❑ None ❑ Interiar and Fxterior ❑ Exterior-Only
Date of Inspectlon(K applicable): o�n enota Date of Inspectlon(if applicable):
Form ID14E—"WinTOTAL'appraisal soriware by a la mode,inc.—1-800-ALAMODE
v�����nyy��u�w�
Summary Report
RESIDENTIAL APPRAISAL SUMMARY REPORT FlIBNo.: 14-0830R-1
Pro Address: 19oe�etchworth Or C :Cam Hill St2t8:PA ZI COdB:17011
COu : Cumberland LB 21 DBSCfi ti0n: Deed Book 247 Pa e 2142
Assessor's Pazcal#: t 3-2s-o5a�-2o2
Tax Year:zo�4 R.E.Taxes:S 2 2at S cial Assessmems:S rrn Borrower if Iicable: ru
CurreM Owner of ReCord: me ew�a e. em�5.�wn�.aim,�n,�dw,e Occu ant Owner Tenant Vacant Manufactured Housin
Pro ect T e: PUD Condominium Coo erative Other describe HOA:$ r ear r momh
MarketAreaName: Lowerwienr . M Reference: z5a2o CensusTract azo4t-ot�o.oz
The u of this raisal is ro develo an o inion of: Market Value as defined,or olher of value desctlbe
Thts re rt reAects the followin value if not Current,see commeMs: Currem the Ins ectlon Date is the Effective Date Retros ecUve Pros ecUve
aches develo far this ralsal: S�es Com arison roach Cost A roach Income A roach See Reconciliatlon Comments and Sco e of Work
Pro e W hts raised: Fee Sim le Leasehold Leased Fee Oiher describe
IfltBfldBd USB: The intended use of this appraisal repoA ie for the GIeM to evaluate ttie Droperty that ie the subiect of thie aDDraisal to establish a fair market value.
Intended User s b name or B: The intended user of this a raisal re oA fs the dient and no other users are Intended.
CIIBM: Jamea D.Cameron Es . AddfBSS: 1325 N.Front St. Hartisbu PA 17102
A f81SBf: Dennis L.Stover AddfBSS: 825 Adelia St. Middletown PA 17057-2802
Locatlon: Urban Suburban Rural P edominent One-Unk Housing Preaent Land Use Change in Lend Uae
Buitt up: �Over 75% ❑25-75% ❑Under 25% ��� PRICE AGE One-UnR 85% �Not Likely
Growth rate: ❑Rapid �Stable ❑Slow �Owner S(000) (yrs) 2-4 Unft s% ❑Likely' ❑In Process'
Property values: ❑Increasing �Stable ❑Declininp ❑Tenant �o Low o Muitl-Unit 5% •To:
Demandlsupply: ❑Shortage �In Balance ❑Over Supply �Vacant(0-5%) t o0o Hi h z5o Comm'I 5%
MarkeBn time: Under 3 Mas. 3-6 Mos. Over 6 Mos. Vacarrt >5% ts5 Pred 35 %
Market Area Boundaries,Descriptlon,and Market Conditlons(Includinp support for ihe above characteristics and trends): Tne subfect neignborhood is tne Lower
Allen Twp. Shopping,schools,and churches are located wtthin 5-10 minutes of the property. Full service shopping is available at the CamD Hill and Capitol
Cfty malls aporoximately 10-75 minutes. Public school students attend the West Shore School OfsMd.Employment centers are located in Hartisburg Camp
Hill York end Mechanicsburg.Market condiGons in the subled neighborhood are cansidered moderetely adive with low mortgage Interest rates being the
primary catalyst Sales In recent weeka have been moderately adive.Typical flnancing for residential DroDerties inGudes 80%to 90%loan,13 pointa,4-5%
mortaege Interest retes fOr up l0 30 yeaB.
Dimensians: Per Plat Ma SItC Af68: .28 Acres
2oning Classificatlon: R-� DBSCfIptiOfl: Single Family Established Residenlial Distrid
Zonin Cam liance: Le al Le al nonconformfn randfathered Ille al No zonin
Are CC&Rs a Ifcable? Yes No Unknawn Have ihe documents been reviewed7 Yes No Ground Rent ff licable S /
Hiphest&Best Use as improved: �Present use,or ❑Olher use(explain)
Acqial Use as of Effec�ve Date: Residenuai Use as appraised in ihis report: Residential
SUrtlrtl2ry Of Hlgh@St&BBSt USe: The highest and best use of the subied Is the present use.
UdliGea Public Other Provider/Descripdon O(f-sRe Improvemenb Type Public Private Topopraphy nv
EIBCViCKy � ❑ PPL ShCBt Macadam � ❑ SIZB Av
sas � ❑ uci Curb/Gutter co�creta � ❑ shape iRe �ie�
Water � ❑ Publlc Sidewalk concrete � ❑ Dralnage n�
Sannary Sewer � ❑ Public Sveet ughts ve$ � ❑ wew A�
Storm Sewer Alle None
Other sfte elemems: Inside LM Comer Lot Cul de Sac Unde round Utlli�es Olher describe
FEMA S ec'I Flood Hazard Area Yes No FEMA Flood Zone x FEMA M �42041CO281 E FEMA M Date o��snoos
SItB COmrtIBfdS: There are no aDDarent easements encroachments speGal assessmeMs,alide areas or illegal or legal nonconforming uses known.
Generei peeaiptlon ExEeria Deecriptlan Foundetlon Basement None Heatlny
�of Untts One ❑Acc.Unit Foundatlon Concre�e eiock Slab o Area Sq.Ft. �s3s Type Fwa,
#of Stories � Exterior Walis auminum Crawl Space o %Flnished 32% Fuel Gas
Type �Det. �Att. ❑ Roof Surtace shin te Basemem Partial Ceiling O nrriie
Design(Style) t Sto Gutters&Dwnspts.wum�num Sump Pump❑ Pn Walis PaNBIk Cooilny
�EzisUnp❑Proposed ❑Und.Cons. Window Type DbIHn icasemc Dampness ❑No evidence Floor Conue�e Central Central Air
Actual Ape(Yrs.) ea StomVScreens Extsnn Settlemem No evidence Outside Entry r�q Other
Eitective A e rs. 2o IMestatlon No Evidence
IMalw Daalptlon Appllancee Attlo ❑None M�Ntlea Car Staege ❑None
Aaors Hardwood/Ceremfc Refrigerator ❑ S[airs ❑Freplace(s)# t Woodstove(s)#None Garage #of cars ( � Tot.)
Walls D IUPanelin RangNWen � Orop Stair �Patlo Rear Atpch. o
TriMFinish wood nv Dfsposal � Scuttle ❑Deck Rear Detach. o
Bath Floor Ceramic Dishwashet � Doorway ❑Porch None Bft:In 0
Bath WainscM Flbe iass FaNHood ❑ Floor ❑fance Rear Carport o
Doors wood Microwave � Heated ❑Poal Inground Dr(veway t
Washer/D er Flnished Surface Macadam
Rnished area above ratle contains: � Rooms 3 Bedraoms 2 Bath s t ssa S uare feet of Gross LJvin Area Above Gratle
Addftl0021 f88dif8S: The subied is In average condition
Describe the conditlon of the properry(includinq physical,functlonal and�ctemal obsolescence): sub�ea is a one ston dweuing in averege wndition. Pnystcac
DepredaGon due to age and condiUon Functional•None Exlemal• No adverae locational features noted. Thls report is NOT a home InsvecGon and the
apprefaer only performed a visual Inspedlon oi accesalble area and that the aDDraisal cannot be rel(ed upon to disclose condRions and/or defeds in lhe property.
�PY�W��'2007 by a la mode,Inc.This fam maY be reproduced WunoNfied witlbut wdl0an Dertniasion,favrever,a la mode,inc.muat be aclmowledGetl aM credlteC.
m RES I DENTIAL Fortn GPRES2—'WInTOTAL'appraisal software by a la mode,inc.—1-800-ALAMODE 3/2007
RESIDENTIAL APPRAISAL SUMMARY REPORT �,�.No: ;:�3 RReport
My research did did not reveal any prWr sales or transfers of the sub�ect propeAy for the three years prior m the effective date M this appraisal.
D2hd SOUroB S: Cumberland Coun Tax Assessme�t Offlce
1 st Prior Sub ect Sal�fransfer Analysis of sale/transfer history anNor any curtent apreemem of sale/listlng: we,
D2IB: Not in ihe last
PfiCB: three ea�s.
SOUfCB S:CCTAO
2nd Prior Sub ect Sale✓Transfer
Da[e:
Pdce:
Source s:
SALES COMPARISON APPROACH TO VALUE f develo The Sales Com arison roach was not develo ed for this a raisal.
FEANRE SU&lECT COMPARABLE SALE#1 COMPARABLE SALE�2 COMPARABLE SALE#3
AddfBSS 1906 Letchworth Dr 1928 Chatham Dr 1925 Chatham Dr 201 Norman Rd
Cam Hill PA 17011 Cam Hill PA 17011 Cam Hill PA 17011 Cam Hill PA 17011
Pro�dm W SUb CCI 0.14 miles NW 0.10 miles W 0.72 miles E
S218 PdCB a NA Z 738 000 -''� $ 130 000 S 155 000
S218 PdCC/GLA S /S .R.S 100.52/S.ft. S 98.08/S .ft.-.:�-� Z 110.95/S.ft.
D2q SOufCB S Ins eclfon CPML Courthouse Reakor CPML Courthouse Realtor CPML Courthouse Realtor
VBfIfIC3U0�SOUfCe S NA Tax Assesamenl Records Tax Assessment Recorda Tex Assessment Records
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION +- $Ad'ust. DESCRIPTION +- S Ad ust. DESCRIPTION +- S Ad ust.
Sales or Flnancing r�w F►�w F►w Fwn
C011CBSSI011S NA Seller Assist -5 000 Seller Assist -5 000 Seller Assist -5 000
Date of Sale/fime NA 7/22/13 MT 135 5/8/13 MT 4 12/13/13 MT 84
RI htS t�ISBd Fee Sim le Fee Sim le Fee Sim le Fee Sim le
LOC2tl0(I Suburban Suburban Suburban Suburban
SltB .28 Acres .23 Acres .17 Acrea .19 Acres
VfBW Av E ual E ual E ual
Desi n le t sto 1 sto t sto t sto
Qual' of ConsWc�on Av Av Av Av
A e sa s5 sa sa
Candition nv Av nv nv
AbOVe Gtade Total Bdrms BaNs Total Bdrtns Baths Total 8drms BaNs Total Bdrms Baths
R00111 COUI1t 7 3 2 5 3 1 *5 000 8 3 1 +5 000 8 3 2
Gross Livin Af02 1 838 S .ft. 1 353 S .ft. +4 275 1 353 S .ft. +4 275 1 397 S .ft. +3 615
8asement&Flnishetl Partial Part Finlah NA NA Partial Unflnfshed
ROOrtIS BBIOw Gf2dB RR/Store e/Mech NA +8 000 NA +8 000 NA +2 000
FunCtlanal Utll Av Av Av Av
Heatin CO011fl GFWA/CA GHW/No CA +3 000 GHW/CA GFWA/CA
En8 Efficient ttems Insulation Insuletion Insulation Insulation
Gara e/Ca rt �on streec �orr svee� �on streec i car oe�acr,ed -2 000
PorctVPatlo/Deck Pa�iaoec�c Porcn +�o0o Porcn +�o0o Pano +�ooa
Fire lace 1 FP 1 FP NA +2 000 1 FP
In round Pool In round Pool NA +7 50o NA +7 500 NA +7 5oa
NBf Ad11SVfI80t TOt�I R`"�. " t - $ 23 775 t - $ 22 775 t - $ 7 115
Adjusted Sale Pdce �,L �- �'� A. : �`' I�',;�,9� :` �" `.
of Com arables #' -�� � S 159 775' k`� - $ 152 775?:- � 162 115
Summary of Sales Comparison Approach Sales used were all reasonably simllar elyle dwellings in the same neighborhood and sublecl to reasonably similar
ameniUes Adlustments were made for seller assist bathrooms sq ft.(S15/R) basements/flnish central air wndiGoning,exterior amenities,and swfmming
pools Due to ihe addiUon to the subled there were no sales available that were as large Adlustments were based on market extraction and/or judpment. For
the Sales used In lhis reDort the corMiUon oi the exterfor Is based upo�an Inspection from the sVeet and the condfUon of the interior is based upon lhe interior
photos provWed bv the MLS (when available) The indicated value range on the above g�id extends from 5152 775 to 5782,115. The indicated market value is
estimetetl to be less than the upper end of tF�e value range and at 5158 000 with lhe greatest wei9ht on sale three.
After an extensive search of available dala bases all threa comoareble sales used w9re deemed"BEST AVAILABLE"
Ex osure Time
The deflniGon of market value employed for this assignment indudes a component of exposure time Exposure time is the estimated length oi time that the
prppo�,�^•�roe�b�^^=^^ro�n�d wouW have been of(ered on the market prior to the hypolheAcal consummation oi a sale at market value on the etfective date
of the apDreisal Based on staGsUcal analysis and the examination of relevant salea history of comparable proDertiea the reasonable exposure time for tFie
sublect propeAY tYPe and value range is 1-3 months _
The occupant is marked tenant The tenant Is a family member end there fs no renlal associated with the subiect. _
Indicated Value b Saies Com dson A roach f 158 000
mRESIDENTIAL FormGC�P ES2�'WInTOTAL'�o���ab�mod'"'�'�o�M DE ��e��'��'����°��3�
Summary Report
RESIDENTIAL APPRAISAL SUMMARY REPORT FIIeNo.: t4-083oR-t
COST APPROACH TO VALUE H deveb The Cost roach was not devel ed Tor this raisal.
Provide ade uate irrformatlon for re IicaUon of the followin cost fi ures and calculatlons.
Support for me opinbn of site value(summary of comparable land sales w other melhods for estlmating site value): CC7noiMa�ket
ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE................................................................=S 38 000
Source of Cost dare: rw DWELLING S .Ft. E _.=S
(lual ratln from cost serv�e: ru� Effecdve date of cost data: r�n S .Ft. S =S
CommeMs on Cost Approach(pross Ilving area ca�ulatlons,depreciatlon,etc.): S .Ft. t =E
No, s .Ft. a .......=a
s.Ft. a ... =a
......=s
Gara e!C ort S.Ft.Q$ ......_$
Total EsUmate of Cost-New ..._$
Less Ph ical funcdanal Extemal
De reciatlon =$
De reciated Cost of Im rovements ............................................. =S
��As-Is"Value of Site Im rovemems ............................................. =S
=S
=S
Estlmated Remainin Econamic Life 'rf r uired: Years INDICATED VALUE 8Y COST APPROACH..................................... =3
INCOME APPROACH TO VALUE if develo fie Income A roach was not develo ed for ihis raisal.
Estlmated Momh Market Rem E NA X Gross Rent Multl Iler rrn =E Indicated Value b Income A roach
Summary oi Income Approach(including support for market rent and GRM):
PROJECT INFOHMATION FOR PUDs if a Icahle The Sub ct is ait af a Planned Unft Develo me�.
Le al Name of Pro ect:
Describe common elemems and recreaUonal facilitles:
Indiceted Value b:Sales Com son A roach S 158 000 Coat A roech il develo S Income A roech if develo S
Flnal Reconcllfatlon The Sales Comparison Approach Is deemed most reliable arW aiven preatest weight.
Thfs appraisal Is made�"as is", ❑ subJect to compleUon per plans and speciflcatlons on the basis ot a Hypothetical Condition mat ihe improvemeMs have been
completed, ❑sub�ect to the following repalrs or atteratlons on the basis of a HypatheUcal Condition that ihe repairs or alteraUons have been completed,�sub�ect W
the follow(np required Inspectlon based on the Extraordinary Assumptlon that the condiUon or deffclency does not require alteratlon or repair:
This re ort is also sub ect to other H otlietical Canditlons ancVor Exhaardin Assum ons as s ecified in the aUached addenda.
Bated on the degree of Inspectlon of the wbJect properry,as(ndfcated below,deflned Scope of Work,Stetement of Aesumptlans and Limidng CondiUons,
and Appreiser'a Certfficadons,my(our)OpiNon of the Merket Value(or other apeciHed value iype),as deflned herein,of the real propeKy that la the subJect
of thia report la: i �5a,000 a50f: 03/30l2014 ,which is the eHecdve date of th(r appraisal.
If Indicated ebove,this Opinion of Value is subject W Hypothetical Condidons and/or ExVaordinary AssumpUons fncluded in this report See attached addenda
A true and complete copy of thfs report co�ains 25 papes,including ezhibtts which are considered an integr�part of ine report.This appr�sal report may not be
properly understaod without reference to the imormatlon comained in me complete report.
AttaChed E#dbf4S:
�SCope of Work �Limitlng CondJCertlfications ❑Nartative Addendum �Photograph Addenda �Sketch Addendum
�Map Addenda ❑Additlonal Sales �Cost Addendum ❑Flood Addendum ❑Manuf.House Addentlum
otlietical CondiGons Fxtraordin Assum tions
CIIeM Coritact: Client Name: James D.Cameron Esa.
E-M3il: AtldfBSS: 1325 N.Front St. Hartisbu PA 17102
APPRAISER SUPERVISORY APPRAISER(if required)
or CO-APPRAISER(if applicable)
� � �� Supervisory or
Appraiser Name: oennis L.stover CaAppraiser Name:
Comp2ny: Stover Agora�sals Company:
PhOne: (717)579-8185 Fax: (717)944-3815 PhOnB: Fax:
E-Mall: datovermax�comcast.net E-Mall:
Date of Report(Signature): Juy 30 2ot4 Date of Report(Sipnawre):
License or Certlficatlan�Y: rt�t 3seoe StetB: PA License or Certlficatlon#: State:
Designatlon: Designatlon:
Ezpiratlon Date of License or CeNfication: oeisortot 5 Expiratlon Date of lJcense or Certificatlon:
Inspectlon of Subject �Interior&Exterior ❑Exterfor Only ❑None Inspectlon of Sub�ect: ❑Interior&Exterior ❑Exterior Only ❑None
Date of Ins ecUon: 07n8rtota Date af Ins ectlon:
�PY�W��'2007 by a la mode�irc.This tam may he reproduced irrmdifled wiCnW vrtit�DertNssion.however,a la mode.Nc.mut he acknowled0ed ard credted.
m RESI DENTIAL Form GPRES2—'WInTOTAL'aDDraisal soflware by a la mode,inc.—1-800-ALAMODE 3/2007
...._....,...._...____.. .,..__.._,
Special Conditions fll8 N0.14-0830 R-1
Ths Estab d B.Jo Bitlrer/Sntlra L.&tlnx/MaUn E
Pra e Ad r s �9oe�eccnwonn or
Cam Hill COUn Cumberland SMdtB PA Zi COdB 17011
James D.Cameron Es .
SPECIAL CONDITIONS ADDENDUM
The followinp checked items are spedflc speGal conditlons ttiat were identifled by the appraiser during tlie inspection of the subJec[
property,the incomparable sales,and their neighborhootls and locations.
_1. The subJed is located in a rural area and is less lhan 25%built-up. The condition fs
rypical and common for the area and DOES NOT affect the market value.
_X_2. CommerGal uses are located within the subjecl's neighborhood. These uses are typical
ot simllar nelghborhoods and DO NOT atfed the market value.
_X_3. IndusVial uses are located wllhin the subjecCs neighborhood. The presence of
IndusMal uses,is typical for the neighborhood and DOES NOT affect the market value.
_X_4. Vacant and underdeveloped land uses are located within the subJecPs neighborhood.
These uses are lypical for the area and DO NOT affect the market value.
_X_5. The predominant value in the neighborhood is greater than that of the market value of the
subject property. This condiUon DOES NOT have an adverae affed on the market value.
_8. The subject property is located in a F.I.A.Identlfied Flood Zone.
_7. Dampness Is noted in ihe basement oi the subject. Standing or running water was not
present on basement floor.
_X_8. The subjed fs older than flve(5)years old. All mechanical systems inGuding the
heating,electrical and plumbing system appears upon a visual exterior inspection to
be in working order. No wananUes are Implied in this statement.
_9. The elecVical system was not connected du�inp Inapection.
_10.The water servlce was not connected durfng inspedion.
_11.The heaUng system was shut down during inspection.
_12. Well and on site sewage systems are common and lypical to the area and have no affecl on marketability.
Public water and sewer are not available to the site.
_13.Repair items were noted in the comments section of the report. These comments on
repair items are for descripUve purposes only and are nol required repairs. The
repair items are cosmetic in nature and DO NOT aifect the market value.
_14.Subjed Is new consWction and was 90%completed on dale oi inspection. Complfance
and completfon inspecUons suggested prior to settlement.
_15.Should property be sold,tertnile and redon certiftcations are suggeated,with appraised
value based on Gear results.
18.The land value exceeds 30%of total value due to the high demand for vacant land in
this neighborhood. This condition is considered common and rypical for the
nefghborhood and DOES NOT affed the market value.
17.The land value exceeds 30%of total value. This is due to lhe large size of the site.
this condition Is considered to be typical and common and DOES NOT atfed there market
value.
_18.Individual adjustments were required that exceed 10%.These adjustments were required
due to the lack of more aimilar comparebles on that individual raUng.All three
wmparables are the BEST AVAILABLE.
_19.Total adjustments exceed 15%. This is due to the leck of comparables on that individual
rating. All three comparebles are the BEST AVAILABLE.
_X_20.One or more comparable sales are older than six(6)moMha old. There xrere insufficient
comparable propeRies in the subject area,that have sold recenGy,therefore,sales
fn excess of six(8)months old had to be used.
_21.One or more oi the comparables used were in excess oi one(1)mile from the subjed
property. There were InsufflGent comparables in the immediate area,that have sold
recenUy. Therefore,il was necessary lo use comparable sales outsfde of the
Immediate area. All comparables used are located in similar neiphborhoode and within
the same marketing area. All tFrcee comparables used were the BEST AVAILABLE.
_22.Rooflng certification fa sugaeated.
_23.Plumbing certificaUon is suggested.
24.Electrical certiflcetion is sugpested.
_25.HeaUng certiftcaUon Is suggested.
28.Flood Hazard Insurance is suggested.
_27.Seller is paying paA or all of closing cost. This DOES NOT aHed the market value.
_X_28.All compareble sales are dosed sales.
_X_29.The subJed property has not transferted in the past three years..
_X_30.This'appraisal is a Summary RepoR with complete data retained in appraisal file.
_X_31.This appraisal was prepared in accoMance with the Unffortn Standards of Appraisal PracUce(USPAP),Tide XI of!he Financial
InstRutlons Reform,Recovery Enforcement Acl of 1989(FIRREA)as amended and Dodd-Frank Act 2010.
fortn SUP-'WinTOTAL"appraisal software by a la mode,inc.-i-800-ALAMODE
Summary Report
Assum tions Limitin Conditions & Sco e of Work FlIeNo.: 14-0630R-1
Pf0 8 AddfBSS: 1908 Letchworth Dr C :Cam Hill St2iC:PA ZI COdB:17011
CIIBM: Jamea D.Cameron E . AddfBSS: 1325 N.Front St. Harrisbu PA 17102
A f21SBf: Dennis L.Stover AddfBSS: 825 Adelia St. Middletown PA 17057-2802
STATEMENT OF ASSUMP'IIONS&LIMITING CONDITTONS
—The appraiser will not be responsible for matters of a Iegal nature that affect either the property being appraised or the title to it.The appraiser assumes that
the title is good and mazketable and,therefore,will not render any opinions atwut the UUe.The property is appraised on the basis
of it being under responsible ownership.
—The appraiser may have provided a sketch in the appraisal report to show approximate dimensions of the improvements,and any such sketch
is included only to assist the rcader of the report in visualizing the property and understanding the appraisers determination of its size.Unless otherwise
indicated,a Land Sucvey was not performed.
—If so indicated,the appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency(or other
date sources)and has noted in the appraisal report whether the subject site is located in en identified Special Flood Hazard Area.Because the appraiser is not
a surveyor,he or she makes no guarantees,express or implied,regarding this determination.
—The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question,unless specific arrangements to do
so have been made beforehand.
—If the cost approach is included in this appraisal,the appraiser has estimated the value of the land in the cost approach at its highest end best
use,and the improvements at their contributory value.These separatc valuations of the land and improvements must not be used in conjunction
with any other appraisal and are invalid if t6ey are so used.Unless otherwise specifically indicated,the cost approach value is not en insurance
value,and should not be used as such.
—The appraiser has no[ed in the appraisal report any adverse conditions(including,but not limited to,needed repairs,depreciatioq the presence
of hazerdous westes,toxic substances,etc J observed during the inspection of the subject property,or that he or she became aware of during the
nortnal research involved in perfocming the appraisal.Unless otherwise stated in the appraisal report,the appraiser has no Imowledge of any
hidden or unapparent conditions of the property,or adverse environmental wndiUons(including,but not limited to,the presence of hazardous
wastes,toxic substances,etcJ that would make the property more or less valuable,and has assumed that there are no such condidons and
makes no guarantees or warranties,express or implied,regarding the condition of the property.The appraiser will not be responsible for any
such conditions that do exist or for any engineering or tesdng that might be roquired to discover whether such conditions exist. Because the
appraiser is not an expert in the field of environmental hazerds,the appraisal report must not be considered as an environmental assessment of
the property.
—The appraiser obtained the informadon,estimates,and opinions that were expressed in the appraisal report from sources that he or she
considers to be reliable and believes them to be we and correct. The appraiser dces not assume responsibility for the accuracy of such items
that were furnished by other parties.
—7'he appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional Appraisal Practice,and
eny applicable federel,state or local laws.
—If this appraisal is indicated as subject to sapsfactory completion,repairs,or altera[ions,the appraiser has based his or her appraisal report
and valuation conclusion on the assumption that comple6on of the improvements will be performed in a workmanlike manner.
—M appraiser's client is the party(or paRies)who engage an appraiser in a specific assi�unent.Any other party acquiring Ihis report from the
client does not become a party co the appraiser-client relationship.My persons receiving this appreisal report because of disclosure requirements
applicable to the appraiser's client do not become intended users of this report unless specifically identified by the client at the time of the
assignment.
—The appraiser's written consent and approval must be obtained before this appraisal repoR can be conveyed by anyone to the public,through advertising,
public reladons,news,sales,or by means of any other media,or by its inclusion in a private or public database.
—An appraisal of real property is not a'home inspection'and should not be conswed as such.As part of the valuation process,the appraiser perfortns a
aon-invasive visual inventory that is not intended to reveal defects or deVimental conditions that are not readily apparent.The presence
of such condidons or defects could adversely affect the appreiser's opinion of value.Clients with concerns about such potential negative Factors
are encouraged to engage the appropriate type of expert to invesUgate.
The Scope of Work is the type and extent of research and analyses pedormed in an appraisal assignment that is required to produce credible assignment
results,given the neture of the appreisal problem,the specific requiroments of the intended user(s)and the intended use of the appraisal report.Reliance upon
this report,regardless of how acquired,by any pazty or for any use,other than those specified in this report by
the Appraiser,is prohibited.The Opinion of Value that is the conclusion of this report is credible only within the context of the Scope of Work,Effective
Date,the Date of Report,the Intended User(s),the[ntended llse,the stated Assumptions and Limiting Conditions,any Hypothetical Conditions and/or
Extraordinary Assurrtptions,and the Type of Value,as defined herein.The eppmise�,appraisal firtn,and related parties assume no obligation,liability,or
accountability,end will not be responsible for any unauthorized use of this report or its conclusions.
Additional Comments(Scope of Work,Extraordinary Assumptions,Hypothetical Conditions,etc.):
�DY�W�2007 by a la mode,inc.ilYs tartn may he repraduced umadlfied witlaut wAtten perMsabn�however,a la mode,inc.must be�cknowledqed and credl0ed.
� RESI DENTIAL �Ortn GPRES2AD—"WInTOTAL'appraisal sotlware by a la mode,inc.—1-S00-ALAMODE 3/2007
Summary Report
Certifications Flle No.: 14-0830 R-1
Pro e Addtess: 19oe�etchworth Dr C' :Cam Hnl S13tB:PA U COde:t�01 t
CIIB�k James D.Cameron E . AddfBSS: 1325 N.Front St. HaMsbu PA 17102
181SBf: Dennis L.Stover AddfBSS: 825 Adelia St. Middletown PA 17057-2802
APPRAISER'S CERTIFICATION
I certify that,to the best of my Imowledge and belief:
—The statements of fact contained in this repoR are We end correct.
—The credibility of tttis report,for the stated use by the stated user(s),of the reported analyses,opinions,and conclusions are limited only by
the reported assumptions and limiting condidons,and are my personal,impartial,and unbiased professional analyses,opinions,and conclusions.
—I heve no present or prospective interest in the property that is the subject of this repoR and no personal interest with respect to the parties involved.
—Unless othenvise indicateA,I have performed no services,as an appmiser or in eny other capacity,regazding the propeRy that is the subject of this report
within the ttvee-year period immediately preceding acceptance of this assignment.
—I have no bias with respect to the property that is the subject of this report or to the parties involved wi[h[his assignment.
—My engagement in this assignment was not contingent upon developing or reporting predetermined results.
—My compensation for completing this essignment is not con6ngent upon the development or reporting of a predetermined value or direction
in value that favors the cause of the client,the amount of the value opinion,the ettaincnent 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 confortnity with the Uniform Standards of Professional
Appraisal Prectice that were in effect at the dme this repoR wac prepared.
—I did not base,either partially or completely,my analysis and/or the opinion of value in the appraisal report on the race,color,religion,
sex,handicap,familial status,or nadonal origin of either the prospective owners or occupants of the subject property,or of the present
owners or occupants of the pmperties in the vicinity of the subject propecty.
—Unless otherwise indicated,I have made a personal inspection of the property that is the subject of this report.
—Unless othenvise indicated,no one provided significant roal property appraisal assistance to the person(s)signing this certification.
Additional CertificaUons:
DEFINIT'ION OF MARKET VALUE:
Market value means the most probable price which a property should bring in a wmpetitive and open market under all conditions requisite
to a fair sale,the buyer and seller each acting prudently and knowledgeably,and assuming the price is not affected by undue stimulus.
Lnplicit in this definition is the consummaGon of a sale as of a specified dete and the passing of title from seller to buyer under conditions
whereby:
1.Buyer and seller are typically motivated;
2.Both pazties are well informed or well advised and acting in what they consider their own best interests;
3.A reasonable time is allowed for exposure in the open market
4.Payment is made in terms of cash in U.S.dollars or in terms of financial arrangements comparable thereto;and
5.The price represents the normal consideration for the property sold unaffected by special or creative finencing or sales concessions
�anted by anyone associated with the sale.
•This definition is from reguladons published by federel regutatory agrncies pursuant to Title XI of the Financial Insdtutions
Refortn,Recovery,end Enforcement Act(FIRREA)of 1989 between]uly 5,1990,and August 24,1990,by the Federsl Reserve System
(FRS),Nadonal Credit Union Administration(NCUA),Federal Deposit Insurance Cocporation(FDIC),the Office of 71vift Supervision(OTS),
and the O�ce of Comptroller of the Currency(OCC).This definition is also referenced in regulations_joindy published by the OCC,OTS,
FRS,end FDIC on June 7,1994,and in the Interagency Appraisal and Evaluadon Guidelines,dated October 27,1994.
Client COMaCt CIIeM Nart18: James D.Cameron Esq.
E•M211: AddtBSS: 1325 N.Front St. Hartisbu PA 17102
APPRAISER SUPERVISORY APPRAISER(if required)
or CO-APPRAISER(if applicable)
� � � Supervisory or
Appralser Name: Dennis l.Stover CaAppr�ser Name:
Company: Stover naoraisais Company:
Phone: ��17)5�9-8te5 F2X: (717)944-3815 Phone: F��
E-M2fl: dstovertnax�comcast net E-M211:
Date RepoR Sipned: �uiy 30 2o�a Date RepoR Sipned:
License ar Certificatlon#�: rt�t 3eaos St2t8: PA License or Certlficatlon#: State:
Designatlon: DeslgnaGon:
Expiratlon Date of Lfcense or Certlficatlon: oer�ono�5 Expiradon Date of License or Certlficatlon:
Inspectlon of Subject: �IMe�ior&Exterior ❑Extedor Only ❑None InspecUon of Subject: ❑Imerior 8 Exterior ❑Fxterior Only ❑None
Dato of Ins ectlon: o7nartota Date of Ins ectlon:
' RE51 D E NTIAL Form G�P ES2AD��'WfnTOTAI��r�sal soflware�by a la m�nc.�-1�-80-ALAM�ODE��e p�'I�.��x���3 001
Expanded Scope of Work Fle No.�a-osso R-�
DYVflBf Ths Eetab of B. Bittrier5mbra L.BlltrbrlMWn Ea
Pro e Address 1908 Letchworth Dr
C Cam Hill COun Cumberland St2t8 PA Zi Code 17011
Cllent James D.Cameron Es .
Expanded Scope of work:
1. I certify that,ro the best of my knowledge ac�d belief,the reported analyses,opinions,and conclusions were developed,and this repoR
has been prepared,in conformiry with the requirements of the Code of Professional Ethics and the Standards of Professional Appraisal
Practice.
2. This appraisal conforms to the Uniform Standazds of Professional Appraisal Practice issued by the Appraisal Standards Board of the
Appraisal Foundation,to the applicable provisions of Title XI of the Federal Financial Institutions Refortn,Recovery and Enforcement Act of
1989,12 U.S.C.3310,3331-3351,and to the applicab(e regulations ofthe Federal Reserve System,12 CRF Parts 208 and 225.
3. The reported analyses,opinions,and conclusions are limited only by the reported assumptions and limiting conditions,and are my
personal unbiased professional analyses,opinions,and conclusions.
4. T'he assignment of this appraisal was not based upon a requested minimum valuation,a specific valuation,a value within a given range,
or the approval of a loan.
5. My compensation is not contingent upon the reporting of a predetermined value or direction in value that favors the cause of the client,
the amount of the value estimate,the attainment of a stipulated result,or the occurrence of e subsequent event.
6. I have made a personal inspection of the property that is the subject of this report.(If more than one person signs the report,this
certification must clearly specify which individuals did and which individuals did not make a personal inspection of the appraised property.)
7. No one provided significant professional assistance to the person signing this report.(If there are exceptions,the name of each
individual providing significant professional assistance must be stated.)
8. Unless noted in the appraisal report,all mechanical systems including,but not limited to,the heating,air-conditioning,electrical and
plumbing systems appear upon a visual exterior inspection to be in working order.No warranties are implied in this staiement.
9. Unless otherwise stated in this report,the existence of hazardous substances or pollutant(any solid,liquid,gaseous or thermal irritant or
contacninant,including but not limited to asbestos,polychlorinated biphenyl's,petroleum leakage,radon gas,lead paint,agricultural
chemicals,smoke,vapor,soot,fumes,acids,alkalis,chemicals and waste),which may or may not be present on the property;or other
environmental conditions,were not called to the attention of nor did the appraiser become aware of such during the appraiser's inspection.
The appraiser has no knowledge of the existence of such materials on or in the property unless otherwise stated.The appraiser,however,is
not qualified to test for such substances or conditions.If the presence of such substances,such as asbestos,urea formaldehyde foam
insulation,lead paink ar other hazardous substances or environmental conditions,is found,the value of the properry may be adversely
affected.The value stated in this report is predicated on the assumption that there is no such condition on or in the property or in such
proximity thereto that it would cause a loss in value.No responsibility is assumed for any such conditions,nor for any expertise or
engineering knowledge required to discover them.
10. This report was prepared at the request of and for the exclusive use of the client listed on page one of the appraisal.Neither all,nor any
part of the content of the report,or wpy thereof(including conclusions as to the property value,the identiry of the Appraiser,professional
designations,reference to any professional appraisal organizations,or the firtn with which the appraiser is associated),shall be used for any
purposes by anyone but the client specified in the report.Further,the appraiser,or firm,assumes no obligation;liability,or accountability to
any third party.
11. This appraisal is for no purpose other than property valuation,and the appraisers are neither qualified nor attempting to go beyond that
narrow scope.
12. T'his appraisal should not be considered a report on the physical items that are a part of this property.Although the appraisal may contain
information about the physical items being appraised(including their adequacy and/or condition),it should be clearly understood that this
information is only to be used as a general guide for property valuation and not as a complete or detailed physical report.The appraisers are
not construc[ion,engineering,environmental,or legal experts,and any statement given on these matters should be considered preliminary in
nature.
13. Due to the confidentialiry requirement within the Ethics Provision of the Uniform Standards of Professional Appraisal Practice,
confidenGal fectual data or the results of this assignment will not be discussed with anyone except the client,or persons specifically
authorized by the client.I will consult with persons specifically authorized,provided I receive a written suthorization from the client,and
provided that a prearrenged consulting fee is paid,in advance.
Form TADD—"WinTOTAL"appraisal soflware by a la mode,inc.—1-800-ALAMODE
Sub)ect Photo Page
Owner m.ewu a e. enm«rsa,aa�.enmerm�arm e
Pro e Address t sos�eccnvrortn Dr
C Cam Hill COU CumbeAand St2tC PA ZI COdC 17011
Cllem James D.Cameron Es .
��°�,� �� � Subject Front
1908 Letchworth Dr
•; o,.;, Salas Pdce ru�
Gross Livinp Area �,836
Tot�Rooms �
Total Bedrooms 3
Total Bathrooms z
LOC2tlon Suburban
V(BW Avg
SItB .28 Acres
�U21fty Avg
Age sa
SubJect Rear
Subject Street
�;,:,, �;.;.
��
!� IIIII!!!RI
Porm PICPUCSR—'WInTOTAL'appraisal soitware by a la mode,inc.—1-800-ALAMODE
Interior Photos
OWIIQf Tlw E�tata d B.Jo BltlrNrlSaMra L.BqtrwlMertln E
Pro Address �soa�etchwortn or
C� Cam Hill COu Cumberland St2t8 PA Zi Code 17011
Cllent Jamea D.Cameron E .
�-; � �;
+} �
LIVING ROOM DINING ROOM KITCHEN
�.
i
SUN ROOM MASTER BEDROOM MASTER BATH
'�
T �
.�"`� �a'.:
BEDROOM BEDROOM BATH
RR LL HVAC
Porm PICINTI5—"WinTOTAL'appraisal soriware by a la mode,inc.—1•800-ALAMODE
� Buildtng Sketch
Owner TM Eqate of 8. BllUie�ISanN�L.&UnxlMartln E
Pro Address 1906 Letchworth Dr
C Cam HIII CWn Cumbeda�d St8t8 PA D Code 17011
CIiBM James D.Cameron Es .
1906 LETCHWORTH DR.
First Floor Basement
19' 19'
21' N 21�
MacGr BaN 4bb a a
Sun Roan Vu�qry
Master Betlroom �0'
�'
N A
g om�np Roan ��+ Mechanicals
m
0.ac Room
uvin7 R� gap'ppm BaOroom
�' ��
Not Exact an0 NM W S�ele
roru aeo�n W.r mmc nc. Arw Gkulatlon�Summery
. . . . . .,�. :?�iea_ . �
Rrst Hoor 1638 SQ R 40 x 40= 1600
2x19 = 38
Tafal Livinp Arw(RowM�d): 1638 Sq tt ...,
,,.� ..�.,,. ,����>» :.- . . .
�y � 518 Sq R 14 x 19= 266
21 x 12= 252
Basement 1120 Sq R 90 x 26= 1120
frorm SKT.BIdSkI—'WinTOTAL'appr�sal soitware by a la mode,inc.—1-800-ALAMODE
Plat Map
Owner Ths Estate of B. BldnxSarWn L.BltlnxlMartln E '
Pro Address �soe�eecnwortn or
C Cam HIII COu Cumbedand St2te PA Ti COde 17011
Glleflt James D.Cameron E .
a'�b �'6 4i 203 100.
a �p (8) �o.o0 208
�' ��
223 0.1iAc. M ( 207 � � (24) �
'� {3 22) '� �f' 0.15Ac
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d�' 224 'i¢, (8) aPry N R.
� 0.18Ac. p° � At.i�
°�' 201 (te� '� g (�)
(10) ti. (20) 0.15Ac.
�5 d>�,cA (��� 0.25 0.32
200 �• Ac. -P� 233
�� (��) 025Ac.
�� 234
87 198-EX o.zac.
00
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"1to G 235 (22)
198 e000 357 A� ; (21) �
g 0.19Ac.
�'�� g 9p•� �_ �� � . S
OJ6Ac.
Form MAP.PLAT—`WinTOTAI'appraisal saftware by a la mode,inc.—1-800-ALAMODE
Comparable Photo Page
Owner The Eatete af 8.J &tlnerlSantln L.&tlnxlMeNn Ee
Pro Address 7906 Letchworth Dr
C Cam Hill COU Cumbedand STBtB PA Zi COdB 17011
CIIeM James D.Cameron Es .
}�;� Comparable 1
�_
;� 1928 Chatham Dr
.�.' Prox.to Subject o.1a miies NW
Sa�e Price 136,000
Gross Livinp Area t,s53
Total Rooms 5
Total Bedrooms s
Total BaThrooms t
LOCBtlOn Suburban
VIBW Equal
$itC .23 Acres
�U211ty Avg
Ag8 85
,.,;*
Comparable 2
1825 Chatham Dr
'a'',� � Prox.to Subject 0.10 miles W
� �� SalePrice �30,000
�. Gross Living Area �,353
: `'� Total Roams e
To�l Bedrooms 3
To�l Batlirooms �
Locabon subur�an
Vew Equa1
'''1 SItC .17 Acres
�U211ty Avg
Age ea
Comparable 3
201 Norman Rd
Prox.to Subject o.72 mlles E
S�18 PfICB 155,000
�� �t: Gross Lfving Area t,387
Total Rooms e
Total Bedrooms s
Total Bathrooms 2
LOCBdOn Suburban
VIBW Equal
SItB .19 Acres
QU211ty Avg
Age sa
frorm PICPU(.CR—"WinTOTAL'appraisal soitware by a la mode,inc.—1-800-ALAMODE
Location Map
Owner iM Ettats of B. BIIUisr/SaiWq L.BlltrierlMuOn E
Pro e Address 1908 Letchworth Dr
C Cam Hill COUII CumbeAand St2tB PA ZI COdB 17011
CIIBnt James D.Cameron Es .
,�!�'p°� � �.
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Form MAP.LOC—WinTOTAI'appraisal soflware by a la mode,inc.—1-B00-ALAMODE
DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competiYtive and open market under all condilions
requisite to a fair sale, the buyer and seller, each actlnp pNdently, knowtedpeabry and assuming the price is not affected by undue stlmulus. Implicft in this
definitlan is the consummatlon of a sale as of a specifled date and the passing of tltle from seller to buyer under conditlons whereby: (1) buyer and seller are
rypically motivated;(2)both partles are well ir�ormed or well advised,and each acdnp in what he considers his own best imerest(3)a reasonable Ume is allowed
for exposure In ihe open market;(4)paymeM Is made in terms of cash In U.S.dollars w In terms of 8nancial arrangemems comparable ihereto;and(5)the price
represents the nortnal consideration for the property sold unaftected by special or creative flnancinp or sales concessfons• graMed by anyone assoclated witl�
me sale.
*Ad�ustrnents to ffie comparables must be made tor special or creative financinp or sales concessions. No adJustmeMs are necassary
for those cosis wh�h are normalry paid by sellers as a resutt of traditlon or law in a market area; these cosls are readily idemfflable
since the seller pays these costs in virtually all sales transactlons. Special or crea�ve financing adJustrneMs can be made to the
comparable property by comparisons ro financing terms offered by a fhird party instld�onal lender that is not already InvoNed in the
properry or transac�on. My adjustrnem should not be calculated on a mechanical dollar for dollar cost of ihe financing or concession
but ihe dollar amount of any ad�ustrnem should appro�dmate the markeYs reactlon to the flnancing ar concessians based on the
appralser's JudpemeM.
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICqTION
CONTINIiENT AND LIMITINIi CONDITIONS: The appraiser's certificatlon ihat appears in me appraisal report is subject w the followinp
canditlons:
1. The appr�ser will not be respansible for matters of a legal naWre that affect eftlier the property being appraised or me Vtle to it. The apprafser assumes that
the tltle is gaod and marketable and,merefore,will not render any opinlons about the tltle. The property is appr�sed an tha basis of ft baing under responsfble
ownership.
2. The appraiser has prov(ded a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is included only to ass(st
the reader of the report In visual�lnq me property and undersTanding the appr�ser's detertninatlon of tts size.
3. The appraiser has examined the available flaod maps that are provided by ihe Federal Emerpency Manageme�Agency (or other data sources) and has noted
in the appr�sal report whether ihe subJect site is located In an identlfied Special Flood Hazard Area. Because ihe appraiser is not a surveyor, he or she makes
no guarantees,eupress or implied,regarding this determinatlon.
4. The appraiser will not give testimony or appear in court because he or she made an appr�sal of the property in quesdon,unless specHic arrangements to do
so have been made beforehand.
5. The appraiser has estlmated the value of the land in the cost approach ffi i4s highest and best use and the improvements at their conVibutory value. These
separate valuatlons M me land and improvemeMs must not be used in con�unctlon witli any other appraisal and are invalid if They are so used.
6. The appraiser has noted in me appraisal report any adverse conditlons (such as, needed repairs, depreciaUon, ihe presence of hazardaus wastes, toxic
substances, etc.) observed dudng the inspectlon af the subJect propeAy or that he or she became aware ot dudng the normal reseazch involved in performing
the appr�sal. Unless otherv�ise stated in ihe apprafsal repoR, the appr�ser has no knowledge ot any hidden or unapparent condiUons of the properry or
adverse env(ronmenW cond'Nons (includinp the presence of hazardous wastes,to�dc substances, etc.) that would make the properry more or less valuable, and
has assumed that there are no such conditlons and makes no guaramees or warrantles, express or implied, repardinp the conditlon of the property. The
appr�ser will not be responsible for any such condftlons ihat do exist or for any engineering or testing that might be required to discover whetlier such
contlitlons e�dst. Because the appraiser Is not an expert in the field of environmental hazards, the appraisal report must not be considered as an
anvironmantal assessment of fhe property.
7. The appraiser obTained ihe infortnatlon, estlmffies, and opinions thffi were expressed in the appraisal repoA irom sources ihat he or she considers to ba
reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such ftems thffi were furnfshed hy ather
parUes.
8. The appraiser will not disclose the contenls of the appraisal report except as pravided for in Ne Un'rform Standards of Professfonal Appraisal Practice.
9. The appr�ser has based his or her appraisal repaR and valuatlon conclusion for an appraisal that is subject to saUsfactory completlon, repairs, or
a�erations on the assumption that Completion of the improvemenls will be perfortned in a workmanlike manner.
10. The appr�ser must provide his or her prior written consem before ihe lenderlclier�spec'rfied in the appraisal repart can disUibute the appraisal report
(including conclusions about the property value, ihe appraiser's identity and professional designa�ons, and references to any professional appraisal
organizaUons or the firm wtth which the appraiser is associated)to anyone other than the borrower,the moRgagee or its successors and assigns;the moRpage
insurer, consultants; protessianal appraisal orpanfzatlons; any state or federally approved financial institutlon; or any departrnent, agency, or ins6umer�tality
of the United States or any shdte or the DisVict of Calumb(a;except that the lendedcliem may dfstribute the property descriptlon sectlon of ihe repoR only to data
collectlon or repoNng service(s) without having to ob�in the appr�ser's ptlor written consent The appraiser's written consent and approval must also
be obtained befare the appraisal can be conveyed by anyone to the public through adveNsing, public relations, news, sales, or other media.
Freddie Mac Form 439 6•93 Page i af 2 Fannie Mae Form 10048 6-93
Stover Appraisals
Form ACR—"WinTOTAL"appraisal sattware by a la mode,inc.—1-800-ALAMODE
APPRAISER'S CERTIFICATION: The Appraiser certlfies and agrees that:
1. I have reseazched the subject market area and have selected a minimum of three recent sales of properUes most similar and proximate to the subject property
for consideratlon in tlie sales comparlson analysis and have made a dollar adJustrnent when appropdate to reBact the market reactlon to those items ot signmcant
variatlon. If a significant Rem in a comparable properry is supedor to,or more favorable than,the subject property,I have made a negative adJustrneM to reduce
the adJusted sales price M the comparable and,if a sfpnificam item in a comparable properry Is IMer(or to,or less favorable than ihe subJect propeAy,I have made
a posftive adjusbnent to increase the adJusted sales price of the comparable.
2. I have taken into considera�on ihe factors that have an impact on value in my developmeM of ihe estlmate of market value in the appraisal report. I have not
knawingty wilhheld any significaM ir�ortnatlon from the appreisal report and I believe, to the best of my knowledge,that all statements and information in ffie
appr�sal repoR are W e and correct.
3. I stated in me appraisal report only my own personal,unbiased,and professional analysis,opinions,and conclusions,which are subject only to the co�ingent
and Ilmidng canditlons speci�ed in ihis form.
4. I have no present or prospective interest fn the properry that is The subject to lhis report,and I have no preseM or prospective persanal Interest or bias with
respect to fhe participants in ihe transacdon. I did not base,eitlier parUatly ar campletely,my analysis and/or me estimate of market value in me appraisal report
an the race,colar,relipion,sex,handicap,fam�ial status,or natlonal adgin of either the prospective owners ar occupants of the sub�ect property or af ihe present
owners or occupaMs of the properties In tl�e vicinity of the subJect property.
5. I have no preseM or co�emplated fuWre imerest in the subJect property,and neBher my current ar future emplayment nor my compensaUon for performing this
appr�sal is contlngem on the appraised value of ffie property.
6. I was nat required to report a predetermined value or directlon in value ihat favars the cause of the cliem or any related party,ihe amount of the value estimate,
the attainmem of a specKic resutt,or the occurrence of a subsequem event in oMer to recehre my compensaUon and/or employment far performing the appr�sal.I
did not base the appraisal report on a requested minimum valuaUon,a spec'rfic valuatlon,or the need to approve a specffic mortgage loan.
7. I performed ihis appraisal in confortnity with ihe Uniform Standazds of Professional Appraisal Practice mat were adopted and promulgated by the Appraisal
Standards Board of The Appr�sal Foundatlon and ihat were in place as at ffie effective date of thfs appraisal,with ihe exception of the depaRure provfsion af those
Standards,which daes not apply.I acknowledga that an estlmate of a reasonable tlme tor exposure in the open market is a conditlon in the definftlan of market value
and me estlmate I developed is cons(ste� with ihe marketlng tlme noted in the neiphborhood secUon of this repoR, unless I have otherwise stated in ihe
reconciliatlon sectlon.
8. I have personaily inspected the intedor and extedor azeas of ihe sub�ect property and ihe exterior of all propeNes listed as comparables in The appraisal repoR.
I further ceNfy that I have noted any apparem or known adverse conditlons in me subject ImprovemeMs,an the subject stte,or on any site w�hin ihe immediate
vicinity of Ne subject property of which I am aware and have made adjushnems far these adverse conditions in my analysis of ihe property value to the extem that
I had market evidence to support ihem. I have also commented aboul the eitect of the adverse condi�ons on the marketabfliry of the subJect property.
9. I personally prepazed all conclusions and opinions about the real estate that were set forth in the appraisal repoR. If I relied on sign�cant professionai
asslstance from any individual or indfviduals in the performance of the appraisal or the preparatlon of fhe appraisal report, I have named such indh�dual(s) and
disclosed the specfFic tasks performed by them in ihe reconciliatlon sectlon of this appr�sal report. I ceNiy ihat any individual so named is qualifled to peAorm
ihe tasks.I have not authorized anyone to make a change to any item in the report;therefore,K an unautlio�Zed change is made to the appr�sal repoR,I w(il take
no responsibility for tt.
SUPERVISORY APPRAIBER'S CERTIFICATION: It a supervisory appraiser signed me appraisal report, he or she certlfies and agrees mat:
I directly supervise the appraiser who preparad ihe appralsal report,have reviewed the apprdsal report,agree with the statements and conclusions of the appraiser,
agree w be bound by the appraiser's certlficatlons numbered 4 through 7 above,and am taking full responsiblliry for the appraisal and the appr�sal report.
ADDRESS OF PROPERTY APPRAISED: 1908 Letchworth Dr Camp Hill PA 17011
APPRAISER: SUPERVISORY APPRAISER (only if required):
SignaNre: � L �-T Signature:
N2m8: Denn .Stover Nazne:
Date Signed: �uiy 30 2ota Date Signed:
State CertlflcetlOn�: RL 138906 State Certificatlon#:
or State License�: or State License#:
$G1t8: PA S13t8:
Fi�iration Date M Certlflca8on or Ucense: o6i3o�2o15 Expiradon Date of Certlfication or License:
❑Did ❑ Did Not Inspect Property
Freddie Mac Porm 439 6•93 Page 2 of 2 Fannie Mae Form 10046 6-93
Fortn ACR—"WInTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE
' Qualifications
�4VflBf Ths ENe�s d B.J &Th�x/SanOra l.&roierlMMln E
Pro e Address 1908 Letchworth Dr
C Cam Hill COu Cumbedand St7te PA 21 COde 17071
Cllent Jamee D.Cameron Es .
Dennis L.Stover,GRI,CSP
PA Certified Residential Raal Estate Appraiser
Certification Number RL 138906
STOVER APPRAISALS
625 Adolia St.
Middletown,PA 17057
717-944-3815 Office
717-579-8165 Cell
717-9443815 Fax
E-mail address:dstovermaxQa comcast.net
www.stoverappraisals.com
OUALIFICATION SHEET
EDUCATION:
Harrisburg Area community College
Associate in Business Admiaistration
Graduate Realtor lnslitute
GRI Designation
New Home Sales Professional Course
CSP Designadon
Institute of Real Estate Studies
USPAP-Mazch 1998
USPAP-January 2002
Basics of Residential Valuation&Sales Comparison Approach-Apri12002
Basic Income Property Valuatioa-Jenuary 2002
Advanced]ncome Property Valuatioa-Jenuary 2002
Residential Conshvction-September 2002
National USPAP-September 2003
All courses to complete Pennsytvania State Residendal Certification-
All continuing education courses to maintain current license
PROFESSIONAL MEMBERSHIP/DESIGNATTON:
Pennsylvania State Certified Residential Real Fstate Appraiser�{RL 138906
Pennsylvania Real Eststc Salesperson-License#RS 150605A
Narional Associetion of Realwrs�
Pennsylvania Associarion of Realtors�
C}reater Harrisburg Association of Realtors�
Fortn MAP.PLAT—'WinTOTAI'appraisal soflware by a la mode,inc.—1-800-ALAMODE
� Qualiftcations
Owner The EateU ot 8. BNhier/SanMa L.BlltrbrlMartln E
Pf0 8 AddfeSS 1908 Letchworth Dr
C Cam Hill COun CumbeAand State PA ZI CodC 17011
Cllerrt James D.Cameron E .
RF.A1 BSTATE ERIENGE:
2014Present Stover Appraisals
2003-2014 PA State Certified Re4idential Real Estate Appraiser,
Clauser Real Estate Appraisals LLC
2004-Present Realtot�ll,Union Realty,Inc.,Middletown,PA
199'7-2003 Assistant to t6e Appraiser,Clauser Real Estate Appraisals LLC
1991-2004 Realto�,RFJMAX Reelry Professionats,Harrisburg,PA
1986-1991 Realto�,The Homestead(3roup Realtor,Middletown/Harrisburg
TYPES OF APPRAISALS COMPLETED•
RESIDENTIAL-Single Family Residences,Muld-family 1-4 units,and land.
Appraisal samples upon request
APPRAISALS HAVE BEEN COMPLETED FOR:
Adams County National Bank Prudential Relocation
Allied Home Mortgage Capital Corp. PSP Financial
Centric Bank Sovereign Bank
Community First Fund Ste�iing Financial Corp.
First National Bank Susquehanna Ba�k
First National Bank af Marysville Vartan Benk
Futton Bank W�o�
Graystone Bank Wells Fargo
Harbortown Mortgage
Integrity Bank
Jonestown Bank
Legacy Bank
M&T Bank
Melbn Bank
Natiorrel Penn Bank
Northwest Savings Bank
Omepa Bank
Orrstoxm Bank
Pennsylvania Siate Bank
PNC
Province Bank
fortn MAP.PLAT—'WInTOTAI"appraisal soitware by a la mode,inc.—1-800-ALAMODE
,..._......_.._...----.. ...---••--�
� Signature Compliance File No.ta0830 R-�
The Ectals ol B.J BIW�xISaMra L.BlmierlMartM Ea
Pro Address 1908 Letchworth Dr
C Cam Hill COU Cumbe�land St3tC PA ZI COdB 17071
James D.Cameron Es .
ELECTRONIC SIGNATURE COMPLIANCE
Wintotal and Project 2000 are fully ASB(Appraisal Standards Board)compliant In thefr security. The signatures on this report have not
been altered in any way and the digital signatures are to be conaidered as orfginal.
Fortn SUP—"WInTOTAL"appraisal sottware by a la mode,inc.—1-800-ALAMODE
' Certificate
Owner TM E�rote of B.J &tlner/SenNa L.BitU�erlMaNn E '
Pro e Address 1908 Letchworth Dr
C Cam Hill COu Cumbedand StBtC PA Zi COdB 17011
Clle� James D.Cameron E .
• . ��
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12 01�.����� `
CommonwealtY h of Pennsylvania ��
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�ertifiie�te T,ype � t .� ' Certifis�#e a��p;��u
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DEI�NIS L STOVER Certi�cate '�`�
S�
82�-At}ELIA 8T Number �
M�1ppLE'ipWN PA 17057
RL138806 �X��r,g��4�'��
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Fortn MAP.PLAT—"WInTOTAL"appr�sal soflware by a la mode,inc.—1-800-ALAMODE
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Calculated Value of Your Paper Savings Bond(s) Page 1 of 1
Caiculated Value of Your Paper Savings Bond(s)
Calculator Results for Redemption Date 03/2014
Total Price Total Value Total Interest YTD Interest
600.00 2 036.62 1 436.62 16.76
Bonds: 1-24 of 24
Issue Next Final Issue Interest
Serial # Series Denam Date Accrua) Maturity Price xnterest Rate Value Note
L378754025EE EE $50;08/1988;08/2014 08/2018 __ $25.00 $61.76. 4.00%F „ „ $86.76 __
-
_
_L378762554EE EE $50 08/1988;08/2014 08�2018 $25.00 $61J6 4.00%; $86 76y
L378780021EE EE $50 q 09/1988 09/2014 09/2018� „$25.00� $61 J6 4.00% $86J6 „�
L378771310EE EE $50:09/1988 09/2014 09%2018 $25.00' $61.76 4.00%: $86J6,
L378804598EEo EE $50_10/1988'04/2014 10(2018 . $25.00 $60.06_ 4.00%0 $85.06
L378814146EE EE $50 11/1988`05%2014 r 11/2018, $25.00 $60.06� 4.00%� $85.06 _
L378789013EE EE $50 10/1988'04/2014 10/2018 $25.00 $60.06, 4.00% $85.06
L378805548EE EE � �50 11/198&05�2014 11/2018 $25.00 $60.06 4.00%; _�85.06
L378837983EE EE $50.12/1988;06/2014 12/2018; $25.00 $60.06. 4.00% $85.06
L378830782EE; EE $50�12/1988�06/2014 12/2018" � $25.00 $60.06 4.00% $85.06
_. _ _ _ _ _
L378822671EE` EE ___$50 12/1988;06/2014 12/2018._ $25.00 $60.06 4.00%� $85.06�
L378855413EE EE _ „$,50�01/1989;q07�2014�01�2019d_„_ $25.00 _ $60.06 4.00% $85.06
L378847178EE y EE $50�O1/1989-07/2014, 01/2019 r $25.00 $60.06 4.00% „$85.06
L404623887EE EE $50 02/1989i08/2014 02/2019 $25.00e $60.06 4.00%. _ $85.06
_ _ _.
L404615828EEp EE _ $50�02/1989�08�2014 02/2019y_ $25.00 �60.06 4.00%� _ $85.06µ _
L404632028EE EE � $50.03/1989��09/2014� 03/2019s $25.00 $60.06. 4.00% $8b.06:
L404640104EE EE $50.03/1989'09%2014 03/2019 $25.00 $60.06 4.00%. $85.06
L404648130EE __EE _$50 04�1989 r 04/2014 04/2019 $25.00 $58 40 4.00% $83.40 _
L404656039EE EE $50 04/1989;04/2014 04/2019 $25.00 $58.40. 4.00%, $83.40,
L404664081EE EE $50 05/1989'05/2014 05/2019. $25.00. $58.40 4.00%, $83.40
. _ _ _ _
L404671785EE EE ' $50 05/1989'�,05/2014 05/2019� $25.00 $58.40 4.00% $83.40
... __
L404679592EE EE $50;06/1989;06/2014 06/2019 $25.00; $58.40. 4.00% $83.40
L404695159EE EE �50 06/1989',06/2014 06/2019__ $25.00 _$58.40 4.00%� _ �83.40
L404687419EE EE $50'06/1989��06/2014 06/2019- $25.00 $58.40 p 4.00% $83 40
Totals for 24 Bonds; 600.00 1 436.62 ! 2 036.62
Notes
NI I Not Issued
NE 'Not eli�ible for payment _
... _, ._._ .
P5 ;Includes 3 month interest penalty
MA :Matured and not earnin interest
http://www.treasurydirect.gov/BC/SBCPrice 6/26/2014
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OS/02/2014
James Duryea Cameron
Attorney at Law
1325 North Front St.
Harrisburg,Pa 17102
Re:B J BITTNEI�Deceased. __ -____ _ >--- __ --. ____ _
_ _ ___ __ _ _--
-- .___ _
PSECU Reference#8922241493752
Dear Attorney James Cameron:
The above referenced person has an account with PSECU which was opened on February 15, 1972.
The Share accounts were individually held by B J BITTNER.T'he Visa Loan was also individually
held.
The following are the Date of Death Balances for B J BITTNER's account with PSECU:
Account Date of Death Balances Interest—March 1-30th
Savings (S1) $ 11,794.56 $ 1.45
Checking (S4) $ 354.57 $0.05
Christmas Shares (S3) $ 501.12 $0.06
Vacation Shares (S2) $ 603.09 $0.07
Loans:
Visa Loan (L9) $86.38
The account has been closed per your request,enclosed is a check totaling the share balance(s).
If the Estate has sufficient funds to payoff the decedent's Visa loan,please remit a check,made payable
to PSECU. If there are not sufficient funds to payoff these loans,please submit a letter of insolvency
along with supporting documentation such as a final inheritance ta�c return and financial accounting.
If you have any questions,please contact our department toll-free at(800)237-7328,press 6,extension
3120 or email accountservices(�a,psecu.com.
Sincerely,
w
.l ��,�-��
ana Willard
Member Service Representative
PSECU
P. O. BOX 67013 HARRISBURG, PA 1 7106-7013 800.SS7.73S8 »psecu.com
THIS CREDIT UNION IS FEDERALLY INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION.EQUAL OPPORTUNITY LENDER.
�
�'d.l�r�.
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O�`�
Estate of B. Joyce Bittner
Sandra L. Bittner,Executzix
I 906 Letchworth Dr'rve
Camp HiII,Pentisylvania
Prepared for:
James Cameron,Attorney.
1325 N. Frant Street
Harrisburg,Pennsylvania 17102
{717)236-3722
File#Bittner
Prepared by:
Erica Shea Taylax
Classic Edge Auctions
PO Bax 416
Hershey,Pennsylvania 17033
(�I7) 587-8000
Member: Certified Appraisers Guild of America
Table of Contents
Title Page 1
Table of Contents 2
Suinmary �
Analysis 4
Canditions of Appraisal 5
Certificatian 5
Purpose of Report 6
Method af Valuation 6
Definition of Value 6
Basis of Appraisal F
Descriptian b
Appraiser Qualifications 7
Value Listings Appendix A
Page: 2 af 10
Summary
On June 13,2p 14,at the request of James Cameron,I personally inspected the assets of the
Estate af B. Joyce Bittner, I90b Letchworth Drive,Carnp Hill,Pennsylvania.
Value
Fair Market Value
The Fair Market Va1ue for the praperty in total is:
$S,S�O.QO
This is not the appraisal report. The appraisal report mx�st be read in its entirety.
Page: 3 of l0
Analysis
Condition
All items are�ssurned to be in gaad condition,unless othervvise noted in Appendix A of this
report.
Page: 4 of 10
Conditions of Appraisal
The value stated in this Appraisal Repart is based on the best judgrnent of the appraiser given the
facts and conditions available at the date of the valuatian.
The use af the report is limited to the purpvse of determining the value of personal property for
Estate Tax purposes.
Any additional research or testimony required by the client or the court will be biiled at the
current rates.
Disclosure of the contents of the report is governed by the Standards and Practices of the
Certified Appraisers Guild of America.
Certification of Report
Neither Erica Shea Taylar,Classic Edge Auctions nor any of its employees have any present or
future interest in the subject property. Na prohibited fee was assessed for this report.
Erica Shea 1 ay�or of Classic Edge Auctions�aas successfully cornpleted the personal property
appraiser certif cation program with the Certified Appraisers Guild of America and is a member
in good standin�. This report was prepared in accardance with the Uniform Standards of
Professianal Appzaisal Pra.ctice and with the Standards and Practices nf the Certified Appraisers
Guild of America which has review authority of this report.
Eriea Shea Taylor has personally exarnined the subject property. The staxements of fact
contained in this report are true and correct to the best knowledge and beiief of the appraiser.
� .>
By:Er' Shea Taylor, C.A.G.A
Glassic Edge Auctions
Page: 5 af 10
Purpas�e of the Report
The purpose of this report is to determine the value£ar Estate Ta�c purpases for James�ameron,
Han:-isburg,Pennsylvania.
1Vlethod of Valuation
The method of valuatian used fo.r this appraisal is the Fair Market Value.
Definition of Value
Fair Marl€et Value
Under the United States Treasury regulation 1.170-1 c Fair Market value is defined as:
The price at which the property wauld change hands between a willing buyer and a willing seller,
neither being under compulsion to buy ar campulsion to sell and both having reasanable
knowledge.
Basis af Appraisal
Valua.tion Date
The date of valuation for determining the value estirnation is March 30, 2414.
Date Appraisal Condu�ted
This apgraisal was canducted an June 13,2014.
Limitations of Praaertv
There were no limitations on use or disposition of this property.
Descri�tion
An itemized list with descriptions is in Appendix A.
Page: 6 of 10
Erica Shea'Taylor
Classic Edge Au�tions
PO Box 416
Hershey, Pennsylvania 17033
(717) 5$7-8Q0�
Edacation& St�ecial Trainin�
Mrs. Taylor halds Bachelor's degrees in art history and business management from Lebanon
Valley College. She is a graduate of the Harrisburg Area Gommunity College Auctianeer's
Pragrarn and became a licensed Pennsylvania auctioneer in 2001. She worked as a personal
property appraiser and auctioneer for several auction compani.es where she gained experience
selling antiques,collectibies,fine art,vehicies,cammercial assets,reai estate and restaurant
equipment.
IVIrs.Tayior began working as a personal property appraiser in 2001 and successfully completed
the personal property certificataon pragram with the Certified Appraisers Guild of America
(C.A.G.A.}. She has taken classes in Appraisal Studies at New Yark University and eompleted
the Uniform Standards of Prafessional Appraisal Practices(IJSPAP)course in conjunction with
the Appraisers Assaciation of America. While working with Cordier Antiques &Fine Art fram
2Q01-2003,Mrs. Taylor was able to gain valuable experience appraising home furnishings,
antiques,art and callectibles far insuran.ce purposes,estate ta�ces and divarce settlements. -
Erica Taylor owned and operated Classic Edge Auctions&Appraisai Services in Hershey,PA
from ZQ43-2008. Mrs. Taylar oversaw the da.ily operations of the business and condueted
auctions and appraisals. The company specialized in stamp and coin,antique,and cataloged
specialty collection auctions. Mrs.Taylor continued to do appraisal work for banks,insurance
companies and attorneys.
In 2008,Mrs.Tay1Qr joined Kerry Pae Auc#ianeers as an auctioneer and personal property
appraiser. Kerry Pae Aucfioneers specializes in business liquidations,batikniptcies and
commercial liquidations. Her appraisal wprk has included business an�industrial appraisals for
attorneys,banks,insurance companies,US Middle District Banl�uptcy Court,Pennsylvania State
Treasury Bureau of Unclaimed Property,Commonwealth of Pennsylvania Attarney General
Office and individuals.
Profe$sianal Membership
Erica S.Taylor has been an actiue member of the American Business Women's Association,
Harrisburg Yaung Prafessionals,National Auctioneer's Association,Pennsylvania Auctioneers
Association and American Mensa.
Page: 7 of 10
Appendix A
Fair Market Valne
Living Room
1. $490.44 Contents of Living Roorn,Including:
-love seat,cream uphals#ery,cantemparary($45.00)
-sofa,plaid uphalstery,c.1964{$50.00}
-(2)maple end tables($45.00}
-glass and metal sofa table,contemporary{$35.OQ)
-Langaberger baskets($75.40)
-maple hutch{$75.OQ}
-storage bench wi#h waven drawer frants,wraught iron frame($25.00)
-pair brass lamps($20.00)
-(2)framed antique doilies{$40.00}
-Chinese gorcelain floor vase($2Q.00)
-{7}Department 56-style village hauses and accessories{$25.00)
-miscellaneous callectibtes: afghans, figurines,collectibles{$35.0�)
Bedraom#1
2. $155.Q0 Contents of Bedroam#l,Including:
-VHS tape calleetior►,ineluding Disney#itles($10.Q0)
-Dell computer with tower,Samsung flatscreen monitor and HF
Phatosmart Plus Printer,5 years old(�50.00)
-aak computer desk,contemporary($2U.�0)
-desk chair,burgundy($15.00}
-ciay bed with white tubular metal frame, single size($25.OQ)
-metro shelving unit{$25.00}
-2-drawer metal filing cabinet($10.00)
3. $1,75p.QC} Sterling Silver Flaiware Service
Complete service for(12}with(3)vegetable spoons and meat fork.
Wallace Steriing,Rose Paint pattern,introduced c.1935.
Bedraom#2
4. $150.00 Contents of Bedroom#2,Including:
-(2)hrass twin beds with mattresses($SO.OQ)
-maple dresser,chest and side table{$'75.00)
-(3)hooked rugs($Z5.00}
Page: 8 of 10
Master Bedraom
5. $765.00 Contents of Master Bedroom,Including:
-bedroom suite with cannonball bed,dresser with mirror,chest of
drawers and nightstand($254.00)
-maple lingerie chest with stencil decoration,contemporary($25.00)
-rnaple dry sink{$45.00}
-raund maple table with shelves{$20.04)
-maple rocker($45.00)
-VHS&DVD coliection($50.00)
-Samsung flatscreen television($150.00)
-Mickey&Minnie Mause at black grand piano,plastic,contemparary.
I�isney"Swi�g Time Piano". ($25,00)
-various Penn State coliectibies; stuffed ptush,Cat's Meow plaque,etc
t�2o.oa�
-wrought metal table base with glass top($35.00)
-(2}Longaberger baskets($25.QQ)
-12-drawer chest,pine,cantemparary($25.00)
-Pro-Form treadmill ($25.00}
-miscellaneous items,includin�: decorative items and household items
($25.00)
b. $75.a0 Turquaise Jewelry
Ineluding combinarinn of sterling and silver-colored rings,bracelets,
cuff bracelets and necklaces with turquoise stones. Some cosiume
jewelry and some hand-crafted.
Laundry Raom
7. $130.0� Contents of Laundry Rnom,Including:
-upright freezer($35.00)
-Kenmore refrigerator,white($50.00}
-Longaberger basket($20.00)
-miscellaneaus items,including:kitchen wares,household items,
bakeware,pots and pans,ete($25.00)
Sunroom
$, $325.04 Contents of Sunrooxri,Including:
-Longaberger hamper($100.OQ)
-papazon chair{$20.00)
-pub table,xattan and wrought iron($20.00)
-maple side table($IO.dO)
-Sany flatscreen television($150.04)
-Aiwa stereo($10.04)
-Panasanic VHS/DVD player($S.UO)
-miscellaneous items,including lamps,deeorative items, etc($10.00)
Page: 9 of 10
Kitchen
9. $620.04 Cor�tents of Kitchen,including:
-frarned print($1 O.Oa)
-aak curio cabinet($SO.QO}
-contents of curia cabinet,including:porcelain,crystal, syrup pitchers,
pewter,figurines,etc($150.00)
-�6�x��ls�$i�a.00�
-dining room suite:maple table,(6}chairs. Nate:matches hutch in
living room($15Q.00)
-Fiesta dinner service,contemporary($I5.0�)
-everyday glassvvare,dishes,utensils,pots and gans($24.00}
-I�eUrig caffee maker($25.00)
-Longaberger baskets($50.40)
Basement
10. $210.00 Contents ofBasement,Including:
-Guardian Ware pots and pans{$50.00)
-miscellaneous contents,including:holiday decoratians,household
iterns,decorative items,eoolers,baskets,plastic starage totes,
Toastrnastez electric roaster,cc�okboaks,etc(�50.00)
-stoneu�are croek with"#5" ($50.�0}
-plastic ware and kitchen items($10.40}
-2-door metal starage cabinet($10.00}�
-NordicTrack Walk-Fit($10.4Q)
-{2}shop-vacs($10.00}
-variaus small pieces of furniture($15.00)
-exercise bike($5.00)
Vehicle
l l. $90Q.00 I9$7 Toyvta Corolia
61,439 miles
�5.57Q.00 Tota1
Page: IO of 10
Calculated Value of Your Paper Savings Bond(s) Page 1 of 1
Calculated Value of Your Paper Savings Bond(s)
Calculator Results for Redemption Date 03/2014
Total Price To#a! Value Total Interest YTD Interest
$175.00 $577.24 $402.24 $6.52
Bonds: 1-7 of 7
Issue Next Final Issue Interest
Serial # Series Denom Date Accrual Maturity Price Interest Rate Vatue Note
L426531254EE':: EE ' $50':10/1989`04/2014' 10/2019 $25.00 $56.76' 4.00%; $81J6'
_ __ _ ._ __, . , __ _ _ . _
L426545780EE EE $50 11J1989 05/2014�� 1„1/2019 _$25.00 $56J6 4.00%� $81 76_
L404710039EE EE . �50 07%1989 07/2014 07/2019 $25.00 $58.40 4.00%0 $83.40
L404739729EE` EE _ $50_09%1989 09/2014 09/2019 $25.00 $58.40 4,00%: $83.40a
L426560305EE: EE $50 12/1989 06/2014 12%2019 $25.00 $56.76 4.00% $81.76;
L426574727EE EE $50 01/1990 07/2014 01/2020 $25.00 $56.76 4.00% . $81.76,
L404724818EE EE _ $50 08/1989,08/2014� 08/2019. $25.00,__ $58.40� 4.00% $83.40 _„__
Totals for 7 Bonds: 175.00I 402.24 577.24
Notes
NI '`Not Issued
. ._ _ ___ _ __
NE �Not eligible for payment
P5 Includes 3 month interest.penalty
. �_ �....... ..... . ... _ . _
MA Matured and not earnin interest
http:Uwww.treasurydirect.gov/BC/SBCPrice 6/26/2014
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Calculated Value of Your Paper Savings Bond(s) Page 1 of 1
Calculated Value of Your Paper Savings Bond(s)
Calculator Results for Redemption Date 03/2014
Total Price Total Value Total Interest YTD Interest
$175.00 $573.96 $398.96 $6.44
Bonds: 1-7 of 7
Issue Next Final Issue Interest
Serial # Series Denom Date Accrual Maturity Price Interest Rate value Note
L426553024EE' EE ' $50:12/1989"06/2014': 12/2019 f $25.00' $56.76", 4.00%i $81J6'
, _ __ _ _ _ __ __
L404732516EE EE $50 Y09/1989 09�2014�_09/2019 $25.00 $58.40 4.00% _�83.40
L436030005EE- EE $50 02/1990 08/2014 02/2020 $25.00 $56.76 4.00% __$81J6� „
L426522811EE EE _ $50;10/1989 04/2014 10/2019. $25.00 $56.76' 4.00% �81 76
L426567923EE EE $50 01%1990q07/2014; O1/2020_ $25.00 $56.76; _ 4.00%y �81.76,
L426538624EE EE $50 11/1989 05/2014p 11/2019 $25.00 $56J6 4.00% . �81J6'
L436044091„EE EE $50.03/1990 09/2014 03/2020 $25.00s _ $56.76 4.00%. $81.76
Totals for 7 Bonds 175.00. 398.96 i 573.96
Notes
NI Not Issued
; _ . _ _
NE �Not eli�ible for payment
P5 "Includes 3 month interestpenalty
MA �Matured and not earnin interest �
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Total B anking Statement
PNC Bank ��C�/��K
_ . ....,, ....,._ .. . .. .., _ ._... ... Primaryacxount-number.51-4000-4807 _ .. , .
_: : .. Paye 1 of 6 _ .
. .......... ..._.... . .� ,.,...,-For�p�riod.0��0:6�0A4��ta�01L/03J3044, _, . , Number-of enelasuces;0 .., , .. . ..,:
.. , . ,._ .,., ,,.�.
„ : .Q001Q1,, . For�24hour bankinq,ar�d=transaction or .; ..
����SAMDRA�LBBITT�R � � �
interest rata��info�rnaE�on;�sig�on to �-
,�. NER
PNC Bank�nline>.Banking-at pnFs:eom. _
19a6 L ETCMWORTH DR - - '!!'For eustomersA�iae calwr'F-888=RNG-BANK -
_ CAMP_HfiLL PA 17011-5936 _ .Monda.y._�rida�:7-AN4-1.&-F�ET-� .. _.
, Saturday&,SundaY: 8.AM.-5.PM ET.
,_ . , _ _ Pa�a servicia-en-espaf�o1,1-866-MQL,A.FN�....
__: _ _ _ , . .,. ,�
� Mo�t Please contact us,�t�,888 PNC BANK �
.., . , �Write Eo:CustamectService
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,.,PO B.ox 6Q9 ,... .��_.. .
_
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— -}, _ PA`1�8230"��39-
�Visit us at PNC.com
. ,._. _ ._ .. _ _ . , _ �..tDb'terrtlinaL•"1"=800-531=1648 _..
Eor hearing iaip2iretl Ciimts'brilj�
Refatid�sfiip-4ve�rvt�w _
Bank:D.eposi!A�counls _
Descciption Account Number Deposit.Balance
Free Checking 51-4000-4807 2,167.94
Premium Money IVfarket 50-009&7186 - 12;5U8:42
CertifiC�te(s)Of Deposit _ Total csf 2 _ 2'�460:0(�:.:..� .,%.._
Tof�l ITe�o`sits::. .T7,I36.36.. , _
, , . .
RE'MI1�7DER F'O�R�RE�"�HECKYNG A1r1D FIt�E�H�CKII�TG'+CtiAS�I�CtTS'TOIVIE�.S` . _
tWitk`y�ttr ba��k+sea2�ti�e�t�'��Jt1�e or July,2.01`3;we ihformEd�'qou that�ce�Cl�ecking and Free Checking'Cla�sic accouats Will Cian�fer to
Sta�dard Checkingin°June 2U14:Beginning with yoar statement period that�ends in Ju1y2014,the follot�ri�g��ic'd��ti'����ing`mbr�thlq�ees°
and canditio�s:wi11 aPPly to your accauat: , _ _ .
,.
T1Yere�i11 be namon�tWy ser�ice-�h�rge if�ou-meet any one of#he follow'tng: -
>$504::averag�'-mo�ch�y-balaace-in�lus account , _ _
>.$.�QO.c��I��*,aa�at►t�l�cda.rect.d�po:sit,� _ ,
__..
,.., ._. ... ._ .,�_ ., ..., . .,.
_ .___ .. .. _ _�.. ... >.
>Any account.hol�er is age 6l ar over "
O.th�rwise,_the Imou�y:�t'Vice.c.harg�;for:�tandard Checking will be$7
. . ; _.
There will be a$2 fee,for a paper,statement(cancelled checks and,images are not retumed with the statement)per„statement period if none of„
the above requireFnents are mEt.�nline statements continue to be available at no charge.
Servicerp�ne num�ier�Ii�ed a6ove,local P1�C branch office,visit our website at pnc.com/mycheckingoptions or call us at the Customer
*A qualifyirig"di'rec7 deposit is d recurring elecfronic depasit made by an emploJer or an oufsfde agency: Trdnsfers inaafe from"one account lo anolher or ` "
depositsmade via u°brnnch, ATM online transfer;mobtle device or the matl are not�ligcble•to meet thts requtrement: -
.,_ ., _ . _
�
_ ., . ,,. , ' ,
.
.,_:._.__�.::..�..-�-----�-_-�-=------='�.- - -
Total Banking Statement �h1�B�N1C
. ���
_- _ ' For�n.p.�oa aaiasna�a eo o�uo3rlo�.a_.
�For 24houc infarmakion,sign on to-PNC Bank Online Bankinq B JOYCE BITTNER
on pnc.com. Primaryaccountnumhec:51-4000-48QZ
. . . , ontinued Pag.e 3 of 6 �. _
Daily:Balance Detail , _ ,.,. , ..,.,,. ,�..,._,�,
Date Balance g Balance Date Balance
08/06 2,586.56 „��;�.�R�'`����.'Y;�" 04/0� 2,167.94
03/12 2,569.92 04/Ol 2,1`]0.94
Are you making the most of yaur retirement planQing opportunittes?
Make the most of your opportuuities with our help.Start by funding an individual retirement account("IRA").Each year contribution fimits
may allow you to contribute$5,500 a year or,if you're over the age of 50,you may be abie to contribute$6,SU0 and potentiakly reduce your
tax liability as well.Talk with a PNC Investments Financial Advisor about opening a new PNC Investments IRA or about how you can get the
most from your existing IRA.Stop by any PNC branch or call l-855-PNGINVEST today.
��ii�uin"M��ey lilll�i�l��t Accou��t S�um�n�ry e�oy�eiccne� _
��� Sandra�-L Bittner , . - -- — -
�,
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_ � �.. ,
Qvordraft Cov*r�y�-Your accc►unt is currently0ptod-4ut.
You or your joint owner may revoke your opt-in or opt-out choice at any time.
To learn more about PNC.Overdraft Solutlona visit us onlina at pnc.comloverdcafcaolutiona. _
Call 1-877-58&3805,visit any branch,or Sign on to PNC Online Banking,and aelect the"Overdraft
Solutiona"link underthe AccouM Servicea eectfon to manage both your Overdreft Coverage and bverdraft
Protection aettinga. " "
_
Balance Summary
Beginning Deposits and Checks and other Endiny
belance other additlons deduations baiance
����� .59 .UO 12,508.42 :
_
Averafle moMhly Charyes
b8lance and fees _ _ ,
12,507:85. .00
_ ..
Interest Summa�y As of 04p3,a total of�2.61 in interest was ,
Annual Percentaye Number of days Ave2ye collected IntereSY Pald pald thlSyAdL
Yleld Eamed(APYE) in Interest perlod balance for APYE this period
0.06% 29 12,507.85 .59
ACal1'�� ���� _ _.
Deposits'and'OH1er'Addltiolts Fhere was 1 Deposit orOther Addition=
Date AmouM Descriptlon totalittg$s69.
04/03.____.-- ,59 InterestPayment _ .. . �,„ . .
Daily`Balancs De�il
�? �: Date Balance _
��, �����"�; . 04/OS 12,508.42
Certificates o�n:l�eposit" _ .
�,���w���
� _ _...
�;�5
Investmenf Descripfion Maturity d�te Intere�t Otl�l�81"or' " ' Current`
number raEe -raoawal-Valua . lue,
��'+�I�����_:"����������kb :�' . 10/25/2U14 0.15% 1;2$9:20 3 '
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To,ta�:��� Statement . .
, . For tl�s p�riod 08/08/2014 to 04/0�/Z014 "'
�For 24hour ipfiormation,sign on to PNC`Bank OnlineBanking B JOYCE BITTNER
on pnc.com. . , ' Primaty account number.51-4U60-4�07 "
;. ,
"~ t - Page4of6
��.:�id�li�ed :
Ce�dficates of-Deposit
-continued . .
,�,�,.V�.�, '�
,�.
. . ���si� '
Investmqnt Description Maturity.date , Interest Or(yinalor`. Curnent
number ' rate renewai value value
31�00292939 12 Month(s)Fixed Rate 10/25/2014 0.15 % 1;229.20 . ;- ���i�`�
Tots1 ourr,�nt vaW� 2,460.00
_ ;..,.,..� . . :;, ._,.; - ._:. �._.. :. . ...:.� ,�, ,�.. . -...� ., , ..- , ,..r
_ �._ � ,:., ._ ..�. :m.._M . .� .., _. ,_�r�..::.:*
• .�...""�:"",`
�
Santander
ESTATE OF: B JOYCE BITTNER
SOCIAL SECURITY#: 175-24-1213
DATE OF DEATH:03/30/2014
Account#:Q571119654 Type: CHECKING (INTERESTOpen date: 06/02/1981
BEARING)
In the name of: B JOYCE BITTNER or SANDRA L BITTNER
Date of death balance: $1,730.01
Int.(YTD)from: 01/01/2014 To: 03/23/2014 $0.03
Accrued interest to date of death: $0.00
Other info: Closed 6/23/14
Account#: 2331042845 Type: SAVINGS Open date: 12/02/1999
In the name of:���OYCE BITTNER or SANDRA L BITTNER -
Date of death balance: $2,609.54
Int.(YTD)from: 01/01/2014 To:03/25/2014 $0.21
Accrued interest to date of death: $0.00
Other info:CLOSED 6/20/14
Page 2/2
MPC Historical Stock Quotes - Marathon Petroleum Corp. Historical Stock Quotes - Mar... Page 1 of 1
.�---
II � . ( ( I Enter Symbols or Keywords SEARCH
Latest News viewan� ( The Trading Deck � �
2:59p Oil ends below$106;natural-gas prices drop �.._„�:�.
2 53p Stock market live:S&P 500,Dow trim losses in Market talk,ideas 8�opinion
aflernoon trade •What if Yellen is wrong?Nyaradf
' June 28,2014 2:59 PM EDT 2:a8p Appie,Google don't make Goldman Sachs's list of •6�9 p�us for speculators:Marder
•Don't panic and buy gold:Gunderson
New York London Tokyo DOW -20.52 NASOA� -4.50 S&P 500 -2.63 •Set up for a 2011-type crash:Gliburt
Open Closed Closed 16,846.99 -0.12% 4,37526 -0.10% 1,956.90 -0.13h
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EXPAND EXPAND EXPAND EXPAND EXPAND EXPAND
Marathon Petroleum Corp. Setae� Fineeeroker EnterSymbolsorKeywords GO
� Atl0 to Watchl�sl.� Trade at E'TRADE
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. . .. .... .
OVERVIEW PROFILE NEWS CHARTS FINANCIALS rHISTORICAL�UOTES ANALYST ESTIMATES OPTIONS SEC FIIINGS HULBERT INSIDERS
Market open—Reel Ume quotes ` � �� Jun 28,2ot4 3:07 p.m. Previous close Day low Day high 52 week low 52 week high
--QQ Q +o.st.o.ss^� �M��,ear�_.... � 5 80.97 �Eao.os sa�.sa�581.32 ss�.�o
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Historical quote for: MPC ,/� �'
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By us�ng t�is site,you a8��to the Term�of 8srvlu,PrW�ey Volky,and Cookb Polky. Dow Jvnes 8 Company,Inc SEHK intradey daie is provitled by SUC Financiel Inforrcation entl ie at leeet 60-minttles CeYayed.All quotes are in
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Counttlown to cbse•-Reai tlme quotes Jun 28,2014 3.72 p,m.� Previous Gose (Day IOw Day high 52 week low 52 week high
$I'�C 0 w +0.19+0.72% ���,�, ; a 25.85 �S26.88 j26.31 516.86 531.15
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Intratlay Oata Drovided�y SIX Financial Information and eubject to brm�of use.Histoncal end curteM endol.lay dete provitletl by SIX
Financial Informetlon.IntmGey tleta delayea per excnenye requirementa 68P/Dow Jones Indkea(SM)from Dow Jones 8 Company,Inc.iLl
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By using this sil�,you aqree to the T�rms of S�rviq,pdvuy Polky,and CookN PoUcy. Oow Jonas 8 Company,Inc.SEHK intratlay tleta is provitled by SIX Financiai Inhrmatlon and is al Wsat 80.rturi�tes dalayetl.All quoles are in y
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ING.USA Annutty and Life Insurance Company Quarterly Statement As Of March 31, 2014
P.O."Box 9271
Des"Moines;IA 5030&9271 All displayed end of quarter values are as of the close of business of
Phone:1-800-366-0066 the New York Stock Exchange on the last busfness day of the quarter.
Fax:1-515-698-2034
Intemet:www.ingannuities.com
Your Financial Representative
DEREK LEE GOSS
LPL FINANCIAL CORPORATION
235 N 2ND ST
023644 HARRISBURG, PA 17101-1420
717-221-3813
BETTY JOYCE BITTNER
1906 LETCHWORTH DR
CAMP HILI,PA 17011
Contract Information Contract Number: C104058-OX
Product: ING GoldenSelect ESII Owner: Betty Joyce Bittner
,��_ __. __ -__��� _ ::.._ _ .._, _- . ; __ ._ - -- ,.-:toint-Owner: - . No��-- - -- --
Contract Date: March 15, 2006 Annuitant1: Betty Joyce Bittner
Qualified Type: Traditional IRA Annuitant2: None
Death Benefit: Max 7% Solution Quarterly Death Contingent Annuitant: None
Benefit I�rlmary Beneficiary(ies): Jeffery D Bittner
Living Benefit: Minimum Guaranteed Income Douglas E Bittner
Benefit
Periodic Payment Plan: Not Elected Sandra L Bittner-Essig
Investment Summary
Current Quarter Year-To-Date Since Contract Date
' ' 01/01/2014-03/31/2014 01/01/2014-03/31/2014 b3/1'512006=03/3112014
Beginning Accumulation $35,098.64 $35,098.64 $0.00
- ' Value: . _
Premium Payments: $0.00 $0.00 $47,825;62
Nef Withdrawals: $0.00 $0.00 $14,548.1.4
Net Investment Results:� $197.71 $197.71 $2,018.87
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�The amount by which your Accumulation Value has changed is due to investment results during the period,including any market value adjustment,if
applicable,and adjusted by certain charges,including any surrender charges,as outlined in your contract and prospectus.
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Chase Online - Account Details Page 1 of 1
CHASE�,i
Account Details
MORTGAGE LOAN(...63541 . _ _ W�91$C��iihti4 i . .
:Print ������
��
Payment InformaY"ron
Next payment due date OS/01/2014 Automatic payments o�s
Next payment amount due $711J1
Next auYomatic payment date 05!07,•'Z014
Impvrtani:To avoid a$23.07 late fee,we must receive your payment no later than 15 days after iYs due.
Recent Payment Activity YTD Account Summary
Date of fast payment Q4J07/2U14 Interest paid YTD $745.88
Amount of last payment $711.71 Principai paid YTD 51,SOOA4
Principai balance $28,894.54 Property tax paid YTD $753.24
Escrow balance $1,496.27
See transaction history
Mortgage Summary
Loan type Fixed Rate�oan
In:eresk rate 7.5%
Last escrow analysis 09/17/2013
Monthiy payments rnade 245 of 360
Loan origination date 07/30/2Q01
Original loan amount $66,000.00
briginai appraisal amount $114,OOO.UO
Originai maturity date 08/01/2032
ProRertY address i906 LETCHWORTN DR
CAMP HILL,PA 17Q11-OOQO
1PN;or'gan Ci'�a5e B<?nk,C:,A.:'•1emL'er Fu....
Eq�a:Ot•Gertur;:tY Le:-�der
https://servicing.chase.com/homefinance/MortgageAccountDetails/AccountDetails?AI=21... 4/17/2014
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