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HomeMy WebLinkAbout05-28-15 r"C IfTI J 'pennsytvania 1505618288 °"`n'•'r"`o'""^':c EX(03-14)(FI) AL REV-1500 County l Code Year File Number Bureau of Individual Taxes INHERITANCE TAX RETURN PO BOX 280601 21 15 0035 Harrisburg,PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 12 31 2014 10 29 1922 Decedent's Last Name Suffix Decedent's First Name MI Smith Frances L (If Applicable)Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW 1.Original Return Q 2. Supplemental Return Q 3. Remainder Return(date of death prior to 12-13-82) Q 4.Agriculture Exemption(date of Q 5. Future Interest Compromise(date of Q 6. Federal Estate Tax Return Required death on or after 7-1-2012) death after 12-12-82) 7.Decedent Died Testate Q 8. Decedent Maintained a Living Trust 9. Total Number of Safe Deposit Boxes (Attach copy of will.) (Attach copy of trust.) Q 10.Litigation Proceeds Received Q 11. Non-Probate Transferee Return Q 12. Deferral/Election of Spousal Trusts (Schedule F and G Assets Only) Q 13.Business Assets Q 14. Spouse is Sole Beneficiary (No trust involved) CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number Elyse E . Rogers 717 612 5801 First Line of Address 635 North 12th Street Second Line of Address C= Y, 0 City or Post Office State ZIP Code C_rn 171j Lemoyne PA 17043 Correspondent's email address: erogerS@Ssr-attorneyS.COf11 rTj M r 177,7 REGISTER OF WILL-S-USE ONLY - 4� �-, n _71 REGISTER OF WILLS USE ONLY } G7 '7,7 3 :a-_- DATE FILED MMDDYYYY C> r'- w I Cn CD CJ'1 ham* DATE FILED STAMP PLEASE USE ORIGINAL FORM ONLY Side 1 L 1111111 IIIII IIIII IIIII IIIII IIIII IIIII IIIII IIIII IIIII 1111 IIII J 1505618288 1505618288 1505618296 REV-1500 EX(FI) Decedent's Social Security Number Decedent's Name: Frances L Smith RECAPITULATION 1. Real Estate(Schedule A).. ... . .. .. .... ... ... . . . ... . . .. . . . . . . . . . . . 1. 210 -,000 . 00 2. Stocks and Bonds(Schedule B) . . . . . . . . . . . . . . . . . . . . . .... . . .. . . . .. . 2. 4 17 ,16 6 - 2 2 3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C) . . . . 3. 0 - 00 4. Mortgages and Notes Receivable Schedule D 4. 0 - 00 5. Cash, Bank Deposits and Miscellaneous Personal Property(Schedule E) . . . . . 5. 501143 • 2? 6. Jointly Owned Property(Schedule F) O Separate Billing Requested . . . . . 6. 0 - 00 7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property 123 ,486 • 4 6 (Schedule G) O Separate Billing Requested . . . . . 7. 8. Total Gross Assets(total Lines 1 through 7) . . . .. . . . . . .... ... . . .. .. . .. 8. 800 ,7 9 5 • 9 5 9. Funeral Expenses and Administrative Costs(Schedule H) . .. .. . . .. .... . . . 9. 21 -,865 - 28 10. Debts of Decedent, Mortgage Liabilities and Liens(Schedule 1) . . . ... .. .. . . . 10. 1 ,049 - 00 11, Total Deductions(total Lines 9 and 10) . . . . .. . .. . .. . . . . . . . ..... . . . . . 11. 22 ,914 - 28 12. Net Value of Estate(Line 8 minus Line 11) . . . . . . . . . . . . . . . . . . . . . .. . . . . 12. 7 7 7 A81 81 - 6? 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. 7 7 7 ,8 81 - 6? TAX CALCULATION-SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate,or transfers under Sec. 9116 (a)(1.2)X.0 0 0 . 00 15. 0 . 00 16. Amount of Line 14 taxable at lineal rate x.045 7771881 - 67 16. 35,004 - 68 17. Amount of Line 14 taxable at sibling rate X.12 0 . 00 17. 0 . 00 18. Amount of Line 14 taxable at collateral rate X.15 0 . 00 18. 0 . 00 19. TAX DUE .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19. 35 -,004 . 68 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT O Under penalties of perjury,I declare I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief, it is true,correct and complete. Declaration of preparer other than the person responsible for filing the return is based on all information of which preparer has any knowledge. SIGNATURE OF PETN R PONSI E F F LING ETURN DATE ADDRESS 254 Green Lane rive Camp Hill 17011 SIGNATUREF EPARER ER N PERSON RESPONSIBLE FOR FILING THE RETURN QATF ADDRESS 635 North 12th S r -Lemoyne, PAI 17043 I��I�I II��I�IIII��I�I�III��II�I IIT�I�I�IIT ILII��II I��I Side 2 1505618296 1505618296 J REV-1500 EX (FI) Page 3 File Number Decedent's Complete Address: 21 15 0035 DECEDENT'S NAME Frances L. Smith STREET ADDRESS 67 Old Pioneer Road CITY STATE ZIP Camp Hill PA 17011 Tax Payments and Credits: 1. Tax Due(Page 2,Line 19) (1) 35,004.68 2. Credits/Payments A.Prior Payments 32,500.00 B. Discount 1,710.52 (See instructions.) Total Credits(A+B) (2) 34,210.52 3. Interest (3) 0.00 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) 794.16 Make check payable to: REGISTER OF WILLS, AGENT. PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred . ...... ... ... . . . . . .. . . . .. . . . . . . . . . . . . . ❑ b. retain the right to designate who shall use the property transferred or its income .. .. . . . . . . . I . . . . . . ❑ c. retain a reversionary interest. . . . . . .. . ....... . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ❑ d. receive the promise for life of either payments,benefits or care? . . . . . . . . . . . . . . . . . .. . . . . . . . . . . ❑ IXI 2. If death occurred after Dec.12,1982,did decedent transfer property within one year of death without receiving adequate consideration? . . . . . . . . . . . . . . . . . . . .. .... . . . . . . . . . . .. . . .. . . . . . ❑ 3. Did decedent own an"in trust for"or payable-upon-death bank account or security at his or her death?. . . . . . ❑ 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. For dates of death on or after July 1,1994,and before Jan.1,1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent[72 P.S.§9116(a)(1.1)(i)]. For dates of death on or after Jan.1,1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [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 step-parent of the child is 0 percent[72 P.S.§9116(a)(1.2)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent,except as noted in[72 P.S.§91 16(a)(1 • The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent[72 P.S.§9116(a)(1.3)].A sibling is defined, under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption. REV-1502 EX+ (12-12) pennsylvania S NUE C H E D U L E A INHERITANCE TAX RETURN REAL ESTATE RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Frances L. Smith 21 150035 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 DATE NUMBER DESCRIPTION OF DEATH 1 67 Old Pioneer Road, Camp Hill, PA 210,000.00 Per appraisal TOTAL (Also enter on Line 1, Recapitulation.) 210,000.00 If more space is needed, use additional sheets of paper of the same size. REV-1503 EX+ (8-12) ispennsylvania SCHEDULE B DEPARTMENT OF REVENUE INHERITANCE TAX RETURN STOCKS & BONDS RESIDENT DECEDENT ESTATE OF FILE NUMBER Frances L. Smith 21 150035 All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM DESCRIPTION VALUE AT DATE NUMBER OF DEATH 1 Morgan Stanley Cap TRVII Capital Securities 10/15/2066, dated 10/12/2006 10,118.80 Per Estate Val Dividend on above stock declared prior to decedent's death 165.00 2 Deutsche Bank Cap Funding 2/1/2049, dated 7/20/2007 10,202.00 Per Estate Val 3 Smead Value Fund 11,847.33 Per Estate Val 4 Columbia Dividend Income Fund 47,140.55 Per Estate Val 5 Metropolitan West Total Return Bond Fund 43,534.91 Per Estate Val 6 Cullen High Dividend Equity Fund 43,602.19 Per Estate Val 7 Lord Abbett Short Duration Income Fund 40,584.52 Per Estate Val 8 Virtus Multi Sector Short Term Bond Fund 39,640.63 Per Estate Val 9 Thornburg Ltd Term Inc. 30,268.24 Per Estate Val 10 Templeton Global Bond Fund 31,564.26 Per Estate Val 11 Loomis Sayles Strategic Inc Fund Cl Y 28,678.02 Per Estate Val 12 Blackrock Equity Dividend Fund 43,868.13 Per Estate Val 13 Blackrock Global Allocation Fund 35,951.64 Per Estate Val TOTAL (Also enter on Line 2, Recapitulation) 417,166.22 If more space is needed, insert additional sheets of the same size REV-1508 EX+ (08-12) pennsylvania SCHEDULE E DEPARTMENT OF REVENUE CASH, BANK DEPOSITS & MISC. INHERITANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Frances L. Smith 21 150035 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM DESCRIPTION VALUE AT DATE NUMBER OF DEATH 1 Santander Checking Account 351063048 1,750.16 Per statement 2 Merill Lynch Money Market Account 872-53059 18,092.09 Per Estate Val 3 Santander Money Market Account 2331030804 23,445.02 Per statement 4 Misc. Household Items 3,860.00 Per appraisal 5 United Healthcare Insurance Company Refund 2,271.00 6 US Treasury, 2014 1040 Refund 725.00 TOTAL (Also enter on Line 5, Recapitulation), 50,143.27 If more space is needed, use additional sheets of paper of the same size. REV-1510 EX+ (08-09) pennsylvania SCHEDULE G ' k DEPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND INHERITANCE TAX RETURN RESIDENT DECEDENT MISC. NON-PROBATE PROPERTY ESTATE OF FILE NUMBER Frances L. Smith 21 150035 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. ITEM DESCRIPTION OF PROPERTY DATE OF DEATH %OF DECO'S EXCLUSION TAXABLE NUMBEP INCLUDETHE NAMEOF THETRANSFEREE,THEIR RELATIONSHIPTO DECEDENT VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE AND THE DATE OF TRANSFER,ATTACH COPY OF THE DEED FOR REAL ESATE. 1 Merrill Lynch IRA 119,178.83 100 119,178.83 Beneficiary: Decedent's daughter, Vickie J. Rawlings Per Estate Val 2 Massachusetts Mutual Policy 6843 4,307.63 100 4,307.63 Decedent was the owner of this policy on the life of her daughter, Vickie J. Rawlings TOTAL (Also enter on Line 7, Recapitulation) 123,486.46 If more space is needed, use additional sheets of paper of the same size. REV-1511 EX+ (08-13) pennsylvania SCHEDULE H DEPARTMENT OF REVENUE FUNERAL EXPENSES AND TAX RESID NTNCE DECEDENTTURN ADMINSTRATIVE COSTS ESTATE OF FILE NUMBER Frances L. Smith 21 15 0035 Decedent's debts must be reported on Schedule I. ITEM DESCRIPTION AMOUNT NUMBER A. FUNERAL EXPENSES: 1 Neill Funeral Home Inc. 11,289.52 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: 605.50 5. Accountant Fees: 6. Tax Return Preparer Fees: See schedule attached 3,970.26 TOTAL (Also enter on Line 9, Recapitulation) 21,865.28 If more space is needed, use additional sheets of paper of the same size. Page 2 Estate of: Frances L. Smith 21 150035 Schedule H, Part B - Administrative Costs Miscellaneous Expenses Item Number Description Amount 7 PPL 300.65 8 PA American Water 75.94 9 Verizon Financial 43.25 10 Hampden Township 160.75 11 Comcast 84.92 12 Harrisburg Pharmacy 187.33 13 PA American Water 65.73 14 Chuck Bricker Auctioneer 190.00 15 PPL 277.66 16 Verizon Financial 40.66 17 Comcast 84.92 18 Central Penn Appraisal 400.00 19 USPS, postage for mailing 2014 income tax returns 14.31 20 PPL 365.18 21 Cropf Bros Inc. 224.75 22 Comcast 84.92 23 PA American Water 74.92 24 Verizon Financial 40.66 25 Brown Schultz Sheridan & Fritz 390.00 26 Hampden Township 160.75 27 Saidis, Sullivan & Rogers, out of pocket expenses 225.00 28 PA American Water 66.89 29 Comcast 84.92 TOTAL. (Carry forward to main schedule) . . . . . . 3,644.11 Page 3 Estate of: Frances L. Smith 21 150035 Schedule H, Part B - Administrative Costs Miscellaneous Expenses Item Number Description Amount 30 PPL 185.35 31 Verizon Financial 40.80 32 Saidis, Sullivan & Rogers, out of pocket expenses (reserve) 100.00 TOTAL. (Carry forward to main schedule) . . . . . . 326.15 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 Frances L. Smith 21 150035 Report debts incurred by the decedent prior to death that remained unpaid at the date of death,including unreimbursed medical expenses. ITEM DESCRIPTION VALUE AT DATE NUMBER OF DEATH 1 Bayada Home Health Care 242.00 2 Bayada Home Health Care 141.00 3 Bayada Home Health Care 71.50 4 Bayada Home Health Care 203.50 5 East Pennsboro Ambulance Service 78.00 6 PA Department of Revenue, PA-40 313.00 TOTAL (Also enter on Line 10, Recapitulation) 1,049.00 If more space is needed, insert additional sheets of the same size REV-1513 EX+ (01-10) Pennsylvania SCHEDULE J .DEPARTMENT OF REVENGE INHERITANCE TAX RETURN BENEFICIARIES RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Frances L. Smith 21 150035 NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY RELATIONSHIP T r DECEDENT AMOUNT SHARE Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS[Include outright spousal distributions and transfers under Sec.9116(a)(1.2).] 1 Vickie J. Rawlings Daughter 450,684.07 254 Green Lane Drive Camp Hill , PA 17011 2 Edward P. Rawlings Son-in-law 327,197.60 254 Green Lane Drive Camp Hill, PA 17011 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: B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 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 Frances L. Smith Date of Death: December 31, 2014 Pennsylvania Inheritance Tax Return Schedule J - Shares of Beneficiaries Total Probate Non-Probate - Assets: Vickie Schedule A $ 210,000.00 $ 210,000.00 Schedule B $ 417,166.22 $ 417,166.22 Schedule E $ 50,143.27 $ 50,143.27 Schedule G $ 123,486.46 $ 123,486.46 Total Assets $ 800,795.95 $ 677,309.49 $ 123,486.46 Deductions: Schedule H $ 21,865.28 $ 21,865.28 Schedule 1 $ 1,049.00 $ 1,049.00 Total Deductions $ 22,914.28 $ 22,914.28 Net Assets $ 777,881.67 $ 654,395.21 $ 123,486.46 Shares of Beneficiaries: Vickie $ 450,684.07 Ed $ 327,197.61 $ 777,881.67 Main File No.OLDPIONEEW Pa a#1 APPRAISAL OF REAL PROPERTY .z; LOCATED AT 67 Old Pioneer Rd Camp Hill,PA 17011 deed book 0026T page 00381 FOR Ed and Vickie Rawlings OPINION OF VALUE 210,000 AS OF 02/16/2015 BY Robert K.Banzhoff Central Penn Appraisals 24 W.Main Street Shiremanstown,PA 17011 (717)737-4600 bob@paa ppra ise rs.co m- Form GA1V—'WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE Central Penn Appraisals,Inc.(717)737A600 IMain File No.OLDPIONEER67 Pa a#2 Private RESTRICTED APPRAISAL REPORT FileNo.: OLDPIONEER67 Proa Address: 67 Old Pioneer Rd City:Camp Hill State:PA Zip Code:17011 t- County: Cumberland Legal Description: deed book 0026T page 00381 w Assessor's Parcel#: 10-20-1848-391 Tax Year.2014 R.E.Taxes:$2,644 Special Assessments:$0 Borrower If applicable): N/A Current Owner of Record: Estate:Frances L.Smith Occupant: Ej Owner 0 Tenant M Vacant Ej Manufactured Housing rn Pro'ect T e: PUD D Condominium 0 Cooperative Other describe HOA:$n/a El per yearper month Market Area Name: Country Club Park Map Reference: metro 2847 -1 Census Tract 0113.04 The purpose of this appraisal is to develop an opinion of: Market Value as defined),or other i7pe of value describe This report reflects the following value d not Current,see comments): Current the inspection Date is the Effective Date Retrospective Prospective Approaches developed forthisappraisal: ®Sales Comparison Approach El Cost Approach Ej Income Approach See Reconciliation Comments and Scope of Work Property Rights Appraised: Z Fee Simple Leasehold D Leased Fee D Other describe o<Intended Use: Estate purposes H= Intended Users name or type): Ed and Vickie Rawlings Client: Ed and Vickie Rawlins Address: Appraiser. Robert K.Eanzhoff Address: 24 W.Main Street,Shiremanstown,PA 17011 Location: L Urban X1 Suburban Lj Rural Predominant One-Unit Housing Present Land Use Change in Land Use Built up: ®Over 75% ❑25-75% ❑Under 25% Occupancy PRICE AGE One-Unit 83% ®Not Likely Growth rate: ❑Rapid ®Stable ❑Slow ®Owner $(000) (yrs) 2-4 Unit 1% ❑Likely' ❑In Process Property values: ❑Increasing ®Stable ❑Declining ❑Tenant 80 Low 0 Multi-Unft 1% 'To: a Demand/supply: ❑Shortage ®In Balance ❑Over Supply ®Vacant(D-5%) 650 High 100 Comm'I 5 4b N Marketing time: ❑Under 3 Mos.®3-6 Mos. ❑Over 6 Mos. ❑Vacant >5% 200 Pred 40 vacant 10% oMarket Area Boundaries,Description,and Market Conditions(including support for the above characteristics and trends): The home is located North of Market I, Street,West of Route 581,West of Country Club Road and South of Route 944 in Hampden Township. This suburban neighbor hood has W relatively easy access to employment and services,and is competitive with other neighborhoods in the qeneral area. Most have similar aamenities. Y; Dimensions: see plot plan Site Area: .21 acres Zoning Classification: rs suburban residential Description: Single Family homes permitted Zoning Compliance: ®Legal ❑Legal nonconforming grandfathered ❑Illegal ❑No zoning Are CC&Rs applicable? ❑Yes ❑No ®Unknown Have the documents been reviewed? Lj Yes ❑No Ground Rent(if applicable) $ / r Highest&Best Use as improved: ®Present use,or ❑Other use(explain) Actual Use as of Effective Date: single family home Use as appraised in this report: residential y Summary of Highest&Best Use: Highest and best use is for a single familv home. O; t= a_ �.Utilities Public Other Provider/Description Off-site Improvements Type Public Private Topography slight slope W'Electricity ® ❑ Street asphalt ® ❑ Sae typical for area e-Gas ❑ ❑ Curb/Gutter concrete ® ❑ Shape rectangular N Water ® ❑ Sidewalk none ❑ ❑ Drainage appears good !n Sanitary Sewer ® ❑ Street Lights none ❑ ❑ View average Storm Sewer ® ❑ Alley none ❑ ❑ Other site elements: ®Inside Lot ❑Comer Lot ❑Cul de Sac ❑Underground Utilities ❑Other describe FEMA S ec'I Flood Hazard Area ❑Yes ®No FEMA Flood Zone X FEMA Map#42041 CO277E FEMA Map Date 03/16/2009 Site Comments: Site has average site improvements,above average landscaping and typical maintenance. There are no apparent adverse easement,encroachments,or other adverse conditions on this site. General Description Exterior Description Foundation Basement ❑None' Heating #of Units 1 ❑Acc.Unit Foundation concrete block Slab Area Sq.Ft 1 648 Type heat Pum #of Stories 1 Exterior Walls aluminum Crawl Space %Finished 80 Fuel electric Type®Det.❑Aft ❑ Roof Surface shingle Basement full Ceiling drop annet " Design(Style) ranch Gutters&Dwnspts.aluminum Sump Pump❑ Walls dry walVwd p Cooling ®Existing ❑Proposed Q Und.Cons.Window Type double hum Dampness ❑ Floor carpettvinyl carpet/vinylCentral yes Actual Age(Yrs.) 39 Storn/Screens storm/screens Settlement Outside Entry yes Other z Effective Age rs. 19 Infestation Mi Interior Description Appliances Attic❑None Amenities CarStorage ❑None W' �,Floors carpet Refrigerator L] Stairs ❑ Fireplace(s)# 1 Woodstove(s)# Garage #of ears ( 4 Tot.) �"Walls drywalVwood panel Range/Oven ®Drop Stair ❑ Patio rear Attach. 2 Trim/Finish wood Disposal ® Scuttle ® Deck Detach.— ; !Bath Floor carpet Dishwasher ® Doorway Q Porch BIL-In — Bath Wainscot fiberglass Fan/Hood ❑ Floor ❑ Fence Carport _ Doors hollow Microwave ❑ Heated ❑ Pool Driveway 2 y; Washer/Dryer ❑Finished ❑ Surface asphalt Finished area above grade contains: 7 Rooms 3 Bedrooms 2 Bath(s) 1,684 Square Feet of Gross Living Area Above Grade ai Additional features: rec room,den kitchenette and full bath in the basement W;Describe the condition of the property(including physical,functional and external obsolescence): The home is dated and is in need of updating,Overall the 01 home is in average condition The heat pump is newer. Copyright©2007 by a la mode,inc.This form may be reproduced unmodified wtthoul written permission,however,a W mode,Inc.must be achowledged and cradled. M RESIDENTIAL Forth GPRES2—"WinTOTAV appraisal software by a la mode,inc.—1-800-ALAMODE 3/2007 Main File No.OLDPIDNEER67 Pa a#3 Private RESTRICTED APPRAISAL REPORT File No.: OLDPIONEER67 My research LJ did N did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal. Data Source(s): tax records 1 st Prior Subject Sale/Transfer I Analysis of saleAransfer history and/or any current agreement of sale/listing: r~n;Date: !Price: w,:Source(s): 2nd Prior Subject Sale/Transfer z<.Date: Price: Source(s): SALES COMPARISON APPROACH TO VALUE if develo ed The Sales Comparison Approach was not developed for this appraisal. v FEATURE SUBJECT COMPARABLE SALE#1 COMPARABLE SALE 412 COMPARABLE SALE#3 Address 67 Old Pioneer Rd 3812 Carriage House Dr 1022 Crystal Creek Dr 410 Spring House Rd Camp Hill PA 17011 Camp Hill PA 17011 Mechanicsburg,PA 17050 Camp Hill PA 17011 Proodmitv to subject ` L 0.58 miles S 2.50 miles NW 0.36 miles W F Sale Price $ s t Is 265,00 " s Fi$ 240,000 $ 269,900 Sale Price/GLA $ /s.ff.$ 160.90/s ft . -- $ 130.43/s .ft.y `a'm ;",._$ 181.87/s ft - = Data Sources mis/a ent mis/a ent misla ent Verification Sources tax records tax records tax records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION +-$Adjust. DESCRIPTION +- $Adjust. DESCRIPTION +- $Adjust. Sales or Financing conventional conventional cash '.Concessions seller help$5,000 seller help$6,670 none known Date of Sale/rime 07/31/2014 09/12/2014 05/19/2014 Rights Appraised Fee Simple Fee Simple Fee Simple Fee Simple 'Location average average average average Site .21 acres .36 acres ,44 acres .24 acres View average average average average w_ Design(Style) ranch ranch ranch ranch Yr. Quality of Construction average average average average Age 39 52 28 0 39 Condition avera a better than avera a -20,000 averacie, qood -30,000 Above Grade Total Bdrms Baths Total Bdnsl Baths Total Bdnns Baths Total Bdrms Baths Room Count 7 1 3 1 2 6 3 1 2 7 1 3 1 2 6 1 3 1 2 Gross Living Area 1,684 s .ft. 1,647 s .ft. 1,840 s .ft.m2carqarage 1 484 S .ft. +5,000 Basement&Finished full basement wo full basement wo full basement ement wo Rooms Below Grade rec room den bath rec room den r rec room m den, r Functional Utilityavera a average averageHeating/Cooling h /ca fa/ca h /caEnerg Efficient hems ical for area ical for area ical for areaor areaGars a/Ca ort 2 car arae 2 car arae 2 car araeara e Porch/Patio/Deck patioporch/sun room -4,000porch/sun room -4,000 porch/deck/patio -2000 tZ 1 fireplace 1 fireplace 1 fireplace 1 fireplace n:. none none none none N. none none none none O` »' none none none none �- q; none none none none Net Adjustment(Total) 9 El+ ®- $ -24 000 + ®- $ -900 El+ N- $ -27,000 Adjusted Sale Price � ���Net � 1_% W X 0` Net- ux of Comparables _.�3.Grosse,r91:%$ 241,000 Gross, b Al.'.B2%$ 239,100 Grosses 13:7%$ 242,900 CE Summary of Sales Comparison Approach All five sales are considered to be reliable indicators of value,and are weighted similarly in the final N! reconciliation. Insufficient sales in close pro>amity to the subject property require the appraiser to extend search parameters. All five comparable sales are located in the same market area as the subject property and would be considered by the same perspective purchaser if all were on the market at the same time as the subject. Comparables sales used are all closed sales. I went towards the lower end of the adjusted range of value due to comparables four and five being on the same street and also being dated homes. i= Indicated Value by Sales Comparison Approach$ 210,000 RDE! ©���� � Copyright©2007 by a la mode,inc.This form may be reproduced unmodified without written permission,however,a la mode,inc.must be acknowledged and credited. .`3 Form GPRES2—'WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE 3/2007 Main File No.OLDPIONEER67 Pae#4 Private RESTRICTED APPRAISAL REPORT FileNo.: OLDPIONEER67 01 COST APPROACH TO VALUE If developed) The Cost Approach was not developed for this appraisal. Provide adequate information for replication of the following cost figures and calculations. Support for the opinion of site value(summary of comparable land sales or other methods for estimating site value): x; ESTIMATED REPRODUCTION OR F1 REPLACEMENT COST NEW OPINION OF SITE VALUE_._-.-.....__..__..........................................._$ Source of cost data- DWEWNG S .Ft.@$ _.=$ C/ Quality rating from cost service: Effective date of cost data: S.Ft @$ __$ d.Comments on Cost Approach(gross living area calculations,depreciation,etc.): S.Ft.@$ =$ �- S.Ft.@$ -_$ " S.Ft.@$ _$ C _=$ Garage/Carport S .Ft.@$ _$ Total Estimate of Cost-New __$ Less Physical lFunctional I External Depreciation =$ _z De reclated Cosl of Im rovements ............. — "As-is"Value of Site Improvements .........................................._.=$ =$ Estimated Remaining Economic Life d required): Years INDICATED VALUE BY COST APPROACH........................_....._.... =S =f INCOME APPROACH TO VALUE if developed) The Income Approach was not developed for this appraisal. a d Estimated Monthly Market Rent$ X Gross Rent Multiplier =$ Indicated Value by Income Approach X Summary of Income Approach(including support for market rent and GRM): d- a a oi PROJECT INFORMATION FOR PUDs if applicable) The Subject is part of a Planned Unit Development. Legal Name of Project e Describe common elements and recreational facilities: Indicated Value by:Sales Comparison Approach$ 210,000 Cost Approach if develo ed $ Income Approach if developed)$ Foal Reconciliation This appraisal assumes a reasonable marketing period for the subject property of three months. The Market Approach reflects recent activity in the market place. The Income Approach is inappropriate because few single family houses are rented in this market. Inview of the age of these improvements. C F; aj This appraisal Is made®"as is", ❑ subject to completion per plans and specifications on the basis of a Hypothetical Condition that the improvements have been completed, ❑subject to the following repairs or alterations on the basis of a Hypothetical Condition that the repairs or alterations have been completed, ❑subject to zI the following required inspection based on the Extraordinary Assumption that the condition or deficiency does not require alteration or repair: O LU o:- ❑This report is also subject to other Hypothetical Conditions and/or Extraordinary Assumptions as specified in the attached addenda. Based on the degree ofinspection of the subject property,as indicated below,defined Scope of Work,Statement of Assumptions and Limiting Conditions, and Appraiser's Certifications,my(our)Opinion of the Market Value(or other specified value type),as defined herein,of the real property that is the subject s of this report is: $ 210,000as of: 02/16/2015 ,which is the effective date of this appraisal. If indicated above,this Opinion of Value is subject to Hypothetical Conditions and/or Extraordinary Assumptions included in this report. See attached addenda. F-A true and complete copy of this report contains_pages, including exhibits which are considered an integral part of the report.This appraisal report may not be property understood without reference to the information contained in the complete report. x; Attached Exhibits: o. ®Scope of Work ®Limiting CondlCertifications ®Naralive Addendum ®Photograph Addenda Sketch Addendum ®Map Addenda ®Additional Sales ❑Cost Addendum ❑Flood Addendum ❑Manuf.House Addendum ❑HvDothetical Conditions ❑Extraordinary Assumptions plot plan ❑ ❑ Client Contact: Client Name: Ed and Vickie Rawlings E-Mail: Address: APPRAISER SUPERVISORY APPRAISER(if required) or CO-APPRAISER(if applicable) PZ' Supervisory or a?Appr r Name: Robe anzhoff Co-Appraiser Name: Zv,'Co any: Central Pe ppraisals Company: Phone: (717)7374600 Fax: (717)737-9123 Phone: Fax: E-Mail: bob(a)paappraisers coin E-Mail: - Dale of Report(Signature): 02/23/2015 Date of Report(Signature): }License or Certificat on#: RL001231 L State: PA License or Certification#: State: ff g Designation: Designation: Expiration Date of License or Certification:. 06/30/2015 Expiration Date of License or Certification: Inspection of Subject: ®Interior&Exterior EJ Exterior Only El None Inspection of Subject: E]Interior&Exterior E)Exterior Only El None '= Date of Inspection: Date of Inspection: 02/16/2015 RESIDENTIAL Copyright©2007 by a la made,inc.This tome may be reproduced unmodilied wAhout written permission,however,a la mode,inc.must be acFmowledged and 3/2007 Form GPRES2—"WinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE Main File No.OLDPIONEER67 Pa a#5 Private ADDITIONAL COMPARABLE SALES HeNo.: OLDPIONEER67 FEATURE I SUBJECT COMPARABLE SALE#4 COMPARABLE SALE#5 COMPARABLE SALE#6 Address 67 Old Pioneer Rd 61 Old Pioneer Rd 74 Old Pioneer Rd Camp Hill PA 17011 Cam Hill PA 17011 Camp Hill PA 17011 Pro)dmfty to Subject s :'0.05 miles E 0.07 miles W Sale Price $ s 'NOWN, $ 189,900%T 0Vu =;$ 196000 �r ..-, $ Sale Price/GLA $ /s.ft.$ 102.21 $ 109.62/s ft ;r=ice ,_:$ /s ft .. Data Sources mis/a ent mis/a ent . Verification Sources tax records tax records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION +- $Adjust. DESCRIPTION +- $Adjust. DESCRIPTION +- $Ad ust. �.Sales or Financing fha conventional Concessions none known seller help$5 B00 Date of Sale/Time 05/16/2014 01/28/2015 Rights Appraised Fee Simple Fee Simple Fee Simple Location averse averse average Site .21 acres .23 acres .22 acres View averse averse average Desi n(Style) ranch 2 sto 2 story Qualily of Construction averse avera a average Y Age 39 39 35 -Condition averse averse avers e Above Grade Total Bdnns Baths Total Bdrms Baths TotalI Bdrms Baths Total Bdrms Baths Room Count 7 1 3 1 2 7 1 3 2.1 -1,000 7 3 2.1 -1,000 Gross Living Area 1,684 s .ft. 1,858 s .ft. -5,000 1,788 s.ft. -3,500 s .ft. Basement&Finished full basement wo full basement +2,000 full basement +2,000 Rooms Below Grade rec room den bath rec room den +2,0001 unfinished +8,000 Functional Utility averse averse average Heating/Conlin hp/ca fa/ca fa/ca Energy Efficient Items typical for area typical for area typical for area Garage/Carport 2 car aaraqe 2 car garage 2 car garage Porch/Patio/Deck atio deck porch/patio -1,000 1 fireplace 1 fireplace 1 fireplace none none none none none none X; none none none a? none none none Net Adjustment otalrt� ❑+ ® - $ 2,000 ®+ ❑ - $ 4,500 ❑+ ❑- $ aE Adjusted Sale Price13:% CNet a of Comparables . .� Gross 5 8=%$ 187,900 Gross_Y r 7.9:%$ 200,500 O:Summary of Sales Comparison Approach flJi a Gi cs H� W- J_ Q. H` > ; {{ p�g /► Copyright©2001 by a la mode,inc.Thistarm may be reproduced unmodeied without waren permission,however,a la mode,inc.must be acAmox1edged and credited. RES E D E E�!E IAL Form GPRES2.(AC)—°WinTOTAV appraisal software by a la mode,inc.—1-800-ALAMODE 3/2007 Main File No.OLDPIONEER67 Pae#6 Private File No.OLDPIONEER67 DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale,the buyer and seller,each acting prudently,knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby:(1)buyer and seller are typically motivated;(2)both parties are well informed or well advised,and each acting in what he considers his own best interest;(3)a reasonable time is allowed for exposure in the open market;(4)payment is made in terms of cash in U.S,dollars or in terms of financial arrangements comparable thereto;and(5)the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions"granted by anyone associated with the sale. (Source:FDIC Interagency Appraisal and Evaluation Guidelines,October 27,1994.) Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area;these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. STATEMENT OF LIMITING CONDITIONS AND CERTIFICATION CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is subject to the following conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes that the title is good and marketable and,therefore,will not render any opinions about the title. The property is valued on the basis of it being under responsible ownership. 2. Any sketch provided in the appraisal report may show approximate dimensions of the improvements and is included only to assist the reader of the report in visualizing the property. The appraiser has made no survey of the property. 3. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question,unless specific arrangements to do so have been made beforehand,or as otherwise required by law. 4. Any distribution of valuation between land and improvements in the report applies only under the existing program of utilization.These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if they are so used. 5. The appraiser has no knowledge of any hidden or unapparent conditions of the property or adverse environmental conditions(including the presence of hazardous waste,toxic substances,etc.)that would make the property more or less valuable,and has assumed that there are no such conditions 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 testing that might be required to discover whether such conditions exist. This appraisal report must not be considered an environmental assessment of the subject property. 6. The appraiser obtained the information,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 true and correct. The appraiser does not assume responsibility for the accuracy of such items that were furnished by other parties. 7. The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional Appraisal Practice,and any applicable federal,state or local laws. 8. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs,or alterations on the assumption that completion of the improvements will be performed in a workmanlike manner. 9. The appraiser must provide his or her prior written consent before the lender/client specified in the appraisal report can distribute the appraisal report(including conclusions about the property value,the appraiser's identity and professional designations,and references to any professional appraisal organizations or the firm with which the appraiser is associated)to anyone other than the borrower;the mortgagee or its successors and assigns;the mortgage insurer,consultants;professional appraisal organizations;any state or federally approved financial institution;or any department,agency,or instrumentality of the United States or any state or the District of Columbia; except that the lender/client may distribute the property description section of the report only to data collection or reporting service(s) without having to obtain the appraiser's prior written consent. The appraiser's written consent and approval must also be obtained before the appraisal can be conveyed by anyone to the public through advertising,public relations,news,sales,or other media. 10. The appraiser is not an employee of the company or individual(s)ordering this report and compensation is not contingent upon the reporting of a predetermined value or direction of value or upon an action or event resulting from the analysis,opinions,conclusions,or the use of this report. This assignment is riot based on a required minimum,specific valuation,or the approval of a loan, Page1 of 2 Form ACR2 DEFD—WnTOTAL"appraisal software by a la mode,ine—1-800-ALAMODE Main File No.OLDPIONEER67 Pa a#7 Private File No.OLDPIONEER67 CERTIFICATION: The appraiser certifies and agrees that: 1. The statements of fact contained in this report are true and correct. 2. The reported analyses,opinions,and conclusions are limited only by the reported assumptions and limiting conditions and are my personal,impartial,and unbiased professional analyses,opinions,and conclusions. 3. Unless otherwise indicated,I have no present or prospective interest in the property that is the subject of this report and no personal interest with respect to the parties involved. 4. Unless otherwise indicated,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. 5. 1 have no bias with respect to the property that is the subject of this report or the parties involved with this assignment. 6. My engagement in this assignment was not contingent upon developing or reporting predetermined results. 7. My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client,the amount of the value opinion,the attainment of a stipulated result,or the occurrence of a subsequent event directly related to the intended use of this appraisal. 8. My analyses,opinions,and conclusions were developed,and this report has been prepared,in conformity with the Uniform Standards of Professional Appraisal Practice that were in effect at the time this report was prepared. 9. Unless otherwise indicated,I have made a personal inspection of the interior and exterior areas of the property that is the subject of this report. 10. Unless otherwise indicated,no one provided significant real property appraisal assistance to the person(s)signing this certification(if there are exceptions,the name of each individual providing significant real property appraisal assistance is stated elsewhere in this report). ADDRESS OF PROPERTY ANALYZED: 67 Old Pioneer Rd,Camp Hill,PA 17011 APPRApertK. SUPERVISORY or CO-APPRAISER (if applicable): Signature: Signature: Name: hoff I Z Name: Idle: Tdle: State Certification#: RLOO1231 L State Certification#: or State License#: or State License#: State: PA Expiration Date of Certification or License: 06/30/2015 State: _ Expiration Date of Certification or License: Date Signed: 02/23/2015 Date Signed: El Did ❑ Did Not Inspect Property Page 2 of 2 Form A0112 DEFD—'1NinTOTAL"appraisal software by a la mode,inc.—1-800-ALAMODE Main File No.OLDPIDNEER67 Pae 8 Subject Photo Page Borrower N/A Properly Address 67 Old Pioneer Rd City Camp Hill County Cumberland State PA Zip Code 17011 Lender/Client Ed and Vickie Rawlin s ` a• Subject Front 67 Old Pioneer Rd Sales Price Grass Living Area 1,664 i+'>+ ,,�, - ars_ Total Rooms 7 a Total Bedrooms 3 Total Bathrooms 2 Location average a View average Site .21 acres Quality average Age 39 - Subject Rear e p X42 NN Subject Street Form PICPD(.SR—WinTOTAU appraisal software by a is mode,inc.—1-800-ALAMODE 1 � �•� IZL :1 1' r �-y f. a .alr+m £ r e a _ a taF t�•[.�� i - � rte. � g i� gro Yg,y �` 5S _ f 540 r lu } ( qt F ,�Ty.�n'n •� �.tea.,,,. � , ���` z- i•�a Y �!�.+�`fix� _ 6 '<st. 'y � ���1 Im.MA mw ti a � ai a .ilii s3 � \d id'tE d'Ed 4] .Z t .Stiy 1' J TS, '1 \�•�.' �� 1Il'_� sem' r `` :tri y fi � 1 .s.. t 4 �.• :11 11 r umUMN t€ s w 3 � im Im A A O F Mu wR s A_ i b � t ape lolv NMI— .,. r €��r{ 4f.ire�r't -yam '•y - - "F y�T - Y PWR�i� f nF�,S s"y�I 2u. ..y �-1� s��'•eP NF.•:�rr�� �_- '- 31��± 4L n i pg 1 .i�. bb �i• :11 11 Main File No.OLDPIONEER671 Pae#12 Comparable Photo Page Borrower N/A Property Address 67 Old Pioneer Rd city Camp Hill County Cumberland State PA Zi Code 17011 Lender/Client Ed and Vickie Rawlings I19 Comparable i 4i 3812 Carriage House Dr Prox.to Subject 0.56 miles S Sales Price 265,000 . � Gross Living Area 1,647 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 2 Location average View average Site .36 acres Quality average Age 52 01 Comparable 2 fir-1 ll -t— __ 1022 Crystal Creek Dr } _ Prox.to Subject 2.50 miles NW Sales Price 240,000 Gross Living Area 1,840 Total Rooms 7 Total Bedrooms 3 f Total Bathrooms 2 Location average View average Site .44 acres Quality average Age 28 Comparable 3 410 Spring House Rd Prox.to Subject 0.36 miles W Sales Price 269,900. Gross Living Area 1,484 Total Rooms 6 Total Bedrooms 3 r jar Total Bathrooms 2 Location average View average Site .24 acres Quality average Age 39 Form PICPD(.CR—WnTOTAL°appraisal software by a la mode,inc.—1-800-ALAMODE Main file No.0 OPIONEE fi Pae 13 Comparable Photo Page Borrower N/A Propafty Address 67 Old Pioneer Rd . city Camp Hill Uounty,.Cumbedand St ato PA Zip Code 17011 Lender/Client Ed and Vickie Rawlings Comparable 4 r 61 Old Pioneer Rd r Prox.to Subject 0.05 miles E .. ay Sales Price 189,900 Gross Living Area 1,656 4 -r x. Total Rooms 7 Total Bedrooms 3 Total Bathrooms 2.1 a; '= Location average View average Site .23 acres Quality average ,-t Age 39 *: ; ( Comparable 5 74 Old Pioneer Rd k. Prox.to Subject 0.07 miles W •Y Sales Price 196,000 rr - Gross Laving Area 1,788 Total Rooms 7 Total Bedrooms 3 Total Bathrooms 2.1 Location average View average Site .22 acres Quality average Age 35 Comparable 6 Prox.to Subject Sales Price Gross Living Area Total Rooms Total Bedrooms Total Bathrooms-. Location View Site Quality Age Form PICPIX.CR—'WinTOTAL"appraisal software by a la made,inc.—1-800-ALAMODE Main File No.OLDPIONEER67 Pa a#14 Building Sketch Borrower NIA Property Address 67 Old Pioneer Rd city Camp Hill - County Cumberland State PA Zip Code 17011 Lender/Client Ed and Vickie Rawlings 45' 18 F, .gym 16' moem !N'Fvn �M^9 FmM 34' BFM 20' 14, 27' 22' SMIMbJAparz Sket SteMe Comments: Ex dMt 1 4 ONS SUMMARYBREAKDOWNS Code��Deseri on, N�Sue-.� Net Totals,•= : :�v�"_r-Breakdow,n..,� ..a r=�-M. - GLAl First.Floor `1684.00'. '.1684.00 ! First Floor. GAR -:,� ..Garage_', 440.00:' ._"_ 2•41:0.--a - 18.0 738.00 0 x 14:0 - ..- 28.00 .. - " .0 18.0 36.00 "� >'36:00 . 14.0 is 63.0 - 882.00 Net LIVABLE Area (rounded) 1684 4 Items (rounded) 1694 Form SKT.BldSkI—"WinTOTAL°appraisal software by a la mode,inc.—1-800-ALAMODE Main File No.OLDPIONEER67 Pa a#15 Location Map Borrower N/A Propeq Address 67 Old Pioneer Rd City - Camp Hill County Cumberland State PA Zi Code 17011 Lender/Ciient Ed and Vickie Rawlings a la mode,mc. Mico—.uz Mond - .a '-anpa✓�� ,��,s _dill . z pki Rd " ice FOI `{ jl �n➢# sm{ : JJ - may 4 V. SF xx Lr !_ g_"�` vg aye g r _ �\ �- -:--• ��: ,-� C t VI�Of,I lej/SE�U X7 -�'"+�`:� (. r �� �zl.a..':{� t s E f I ✓'� � � '' �iii &_ V-, f f� icayh�� fit'1 ira 4R I ITT - 's..�• 5q - °�'°2 s4`P t�rj `�. -�I ---r'•--c.—�.: -1 yip�'"�r_ Y- nau' ,,aP i Il € - TTaiwutvp➢ad�+'s ':. '� .- �. ;i -[�pj t �. FeLiti."�A' �F'/ .. 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I a i d > m Z fn 'D U L CO d = r- 0 N Q ill i p I I � > a ff c e L ai 0 � co m L .c Q v m a W �" R d o i ! r L-O m a�roi ro E a o ao S ran > c J Zd p o i t }' c i wOr- a) E N ao o c V > o c a Q.I +- j at c m a o o w f° p Q G3 a s ()— u U E L m c a W a l m U O v 0 1 o c E °� E o ui .2 c` rn o y as Q, i O 0 T 'O C C ro ro O1 O c � � to Q U I ro Y� z > m w o ro ut � m v o I E y E O ro yr O U U Q Q _. N I I t0 cut o . m C v > G"i -o E o 0 0 ° u ISL. c.0 U cn F� 12 H i FQ H H c_ E of O a ran c f0 L N �' can a E Y r a d r 0 L a1 = O O C ro ut a rya o Q Q � E Q d SANTANDER PREMIER CHECKING Statement Period 12/22/14-0112111' FRANCIS Z SMITH-_ Account#351063048 VICKIEJ RAWLINGSATTY IFF Balances -- Deposits/Credits +$2,982.68 Average Daily Balance $1,972.22 Interest Earned this Period $0.01 Paid Last Year $0.23 ....._....-._....w... .-w..---=.,:... _���.,=-�-s.. :_nom -�._.: - _.___��;,si?��-::��:�:_�'es>.�--_'-mss.._'...,y •,cr_���;....1-�-�--=z�'?=�=_�:_:::e;-_::»>w„ *The interest earned and the interest paid may differ depending on when interest is credited to your account. Checks Posted Check# Date Paid Amount • Referent Check# pate Paid Amount Reference •� � 1.� :�_`�=�'�! " _ � E 4957 12!26 $40.55 VERIZON FINANCIA P `14 4955* 12/24 $438.00— 0990368470 = x _-_ - _ -�."' F 4959 01/02- $242.00 0991784900 6 Check(s)Posted=$1,306.45 -An asterisk N indicates a skip in sequential check numbers, An(E)indicates check was converted to an electronic item. Account Activity Date Description Additions Subtractions Balance 12-22 Beginning Balance $1,514.60 12-23 CHECK 000000004953 $427.00 -$1,087.61 +.�:. ._ :.:.:._-_-.. •_ - • - i�A85�-�.._-.�..-_-•.:-��.,.:.:.,:,.,:.T-:::.�_ _�,:, :lit:-_;, ��-_-���- = - � ;= - ---- .,,�,�2-:.:�..._...�1$1�Ek�Ot'f0�€Ofl. . —_ - _ .>, = �-_ :.;�x;_=:_h_�=_. =:..�-�.:�;�:.._ ..��-4 :#3E��-:>•:�z�•>;'='=�;'� 12-26',::'-:.VERIZON„F1h2 ,I&PAY.MENTS-141224 4957- m $40.55 $609.06 z 12-26 CHECK 000000004958 $79.87 $450.16 m2mmw - 01-02 )MSATREAS 310 XXSOC SEC 010215*********D SSA ”" $1,493.00 $3, 01-02 CHECK 000000004959 $242.00 $3,190.82= _ u 01-21 INTEREST CREDIT FROM 12/202014 TO 01/19/2015 $0.01 $1,697.83 - MONEYA• .d 12/22114 01/21/15 FRANCES t S]Ill Account#2331030804 VICKIEJ R4 MINGSATTY IFF Balances :�_. �nirF :: ::.::-�-,_-'-__,.,:T.—�•-�,...,.A�:::..�..::_;:. 3�� :--- _::Einer:�t-�a1���—�-...,�=�:�.t:: . m. Deposits/Credits +$9.79 Avera2e Dat Balance $23,445.18 '+u' e --ay.-:.-:--: �z:,u::-_=-::_ ..i___-y a.-- iva..-e.-'L• 1/,:ii - —=>n.2:�_='::it- _ __ -_ _ _ —_ _—_ _—_ Interest �r�'` -.Yz�:=_-_�:=;;y: �.>�:,,�:�=;•1.1� -�:.�> _...........Is..e........._....._f.__.-._.�_..._.,»..:A...... .. ._.>__ ._ . .�, ..fir_. ...... ... .. .. Earned this Period $4,97 Paid Last Year, $58.36 - ,.,. *The interest earned and the interest paid may differ depending on when interest is credited to your account.=A (O. N Cl) � to r' 0f3 N a T aU) > M N (D 00 � O LTf7 V3 ( p CD 00 D O T cli M N { C N C � � U > U 0 Q O a a o o y o o a o 0 -o E 00 CO T N O c M CN N � u� oa O a a O a O O O O L. Ln 00 T O O as ch N rn co (Yi E o �-- Z O X O p O O Q O O O a O O O O O O O Q Q M CT1 Z O p. CD 00 O LLQ Ln O N LO co O a aD M � OM LO 00 ' m F � 00 It +S 00^ 010 LO L� N — 00 U 0 U O O Z O C'} W Ln 0 O z �H 0 0CCL D Q 1_ � m 1= O AJC U 1 m 0 1 U) a LU �D t1 O ,J W (D Lt W z 0 �t 0 rt FJ- 00 Yz Y m F- T (n J r O C� ` �t ' a z z— �� �v o W o wtQ c� O N Y V (V .` 'u m 0 CLO e`- LL T Y— U a U VU! J �� M 2> M 0o. (h Qz M 00 M 0 0.`- ti) a 2 F-u. � F-Q � �Z � m Lei. � �d T F=-I O (D i O v O O O CN G. O N Lfl m N (h W `t (Q N `7 JO–j OCli C14 CV) 06 N LV O O Cl) 00 W Q J tT0 N N e- U0� T T z015 9 LL (.C)D CC) Q T V cv r crs i c i M x c m > � � oo h o 0 m N LO ! c � L L I r i co LL CN! v i ct > o 64 m C O m CD O y a 4 <n y p 7 O @y c U L •� �, m m c C m (!! oa} _ cQ. i i I p C N U) G U >z O O C as C x c c 0 m n 3 V i o o m0. ° o m c° °c U) ? I o aai a y. y(D N N Q 0 N a j OM m r� n °' � L W I N c m _ t2 I g m _c E V p U cc a c gE co p 6} O o b 3 m m cc)i Z VQO O Ql > m C as p C n U = .L-• C > va > x I I _� c E N °' � cr m c eu di U g U p a '' R N Q L m y ° Q a) m > > m C.r v cm c o x om �t t 5 0 o ci m m E 4 a rnm x a cLi = vi 6a E _> � m o c ° pc cmi c _c o > v p a a s N o m C m -CD'O 7, 5 c YU aj A rn > 5N E '� :3m OL c cm, a C) ! °a o p 5 C t- 'm m vO ch ai y v o` 0 3.2 cV i icc c0) M N m .a c an d txo i do y c m b > m m e C m N aN. O (D. p m a) o E c '2 M c N c ° o a m = E ' �' m N o U (D n O w- C O N . O •o 2 O r- 0 cOis p Q - m Em i i 3 0 m o a 2., -c m as w e c 5 E a c U c a 5 w E m - c U c o i O 7� d O O V m •` 5'- i m `p m '� @ c N E a3 Q a N m a a c3 m 3 m > a' x y, L c v 'W.2 v o c m a cf u o m �m t!3 D t!) D U cC C UO V y a1 aN o V E O .a Q m Q' -00 C: O o c d L O 7 as a).9 m m a c - o t Y c r m m CnUJ Q c L O N'DL ac cumi > ON a ` c w 0 o� = c m ZX U) p m m Y ° c L a _ _iC?.1 I sn NaLo 'U ami `m E v' v a ro N 5o Cn d =� i t .= a C CD E m C3 N > ar o m fl `� N c LLJ -0 0 cmo UoE ui o co Em�� n 10 Q x >N a> m.3 T O a) M a c c m 2 `—" ar c N� LL- Co C? cyQ ' o v N O - .m E w `mo H o = cm'a o c _ 0 5 jc� E m o N c v > U - E a cn " u t y " o o cn ,Q'E w m . D 4. Account Activity Date Description Additions Subtractions Balance 12-22 Beginning Balance $2344021 01-21 INTEREST CREDIT FROM 12/20/2014 TO 01/192015 $4.98 $23,450.00 What You Need to Know about Overdrafts and Overdraft Fees Overview An overdraft occurs when you do not have enough money in your account to cover a transaction,but we pay it anyway.We can cover your overdrafts in two different ways: 1. We have standard overdraft practices that come with your account 2. We also offer an overdraft protection plan which allows you to link other accounts such as a savings account or an Easy Access Line of Credit to cover overdrafts in your checking account.This plan-may be less expensive than our standard overdraft practices.To learn more,ask us about this plan. This notice explains our standard overdraft practices. What are the standard overdraft practices that come with my account? Santander currently authorizes and pays overdrafts for the following types of transactions: • Checks and other transactions made using your checking account number • Automatic bill payments • Online Banking payments and transfers • Recurring debit card transactions Santander will not authorize and pay overdrafts on the following types of transactions,UNLESS you authorize us to do so: • ATM withdrawals and transfers • One-time debit card transactions We pay overdrafts at our discretion,which means we do notguarantee that we will always authorize and pay any type of transaction.If we do not authorize and pay an overdraft,your transaction will be declined. What fees will 1 be charged if Santander pays an overdraft caused by my ATM or one-time debit transaction? Under our standard overdraftpractices:. • We will charge you a fee of up to$35 each time we pay an overdraft.There is a limit of 6 fees per day we can charge you for ` overdrawing your account. • An additional one-time fee of$35 will be charged on the 6th consecutive business day your account is overdrawn.This charge applies to checking accounts(other than any Premier Checking and Santander Select Checking Accounts),savings and money market savings accounts(other than any Santander Select Money Market Saving Accounts). What if I want Santander to authorize and pay overdrafts on my ATM and one-time debit card transactions? If you want us to authorize and pay overdrafts on ATM and one-time debit card transactions,the easiest way to do so is to enroll online in Santander Account Protector by visiting www.santanderba_n.k.com/accounivrotector.You can also call us at 1-877-768-4721,visit your nearest branch or opt-in at any Santander ATM. Can I change my mind later? If you tell us that we are permitted to pay any overdrafts caused by ATM or one-time debit transactions,you can always change your mind and tell us you no longer want us to do this.You can visit any branch or call us at 1-877-768-4721 and tell us you no longer want us to pay these types of overdrafts. ry �. APP : Dam -'U094J -- 1, 1w Cbu*E.Bddw V - VAS . Iv AR() Ski r 4 cc (-, - LS S1rLtr t�S U to c, LV L.mur E) EA-11 o 'C- W x L-f --5C-T' " cL E FA C� Ci C-5 T b z C G d S r=c-r, s of �L L1~S 36,bo CV(v^ c , in 'Or 4, S T- `7 0,be -5 H EL )= L>U11: 3o,c S _ 3Q-ars rDY us — C-ss M Uct�s 1C�a{e Pc, hov t-LlfN g < 1 Qty GU��a 0FFtC�ct-VFILI z` R,��'s r. .1�'c (� e- ct s i is ,. `ot3�Co .eFcf-to rp tR6. - .AL v lk b o 't3 bo &0440• I fr` p -3t Q c Wr /-(Cw C-,o r E� SSTr I t r%VE5cf Dem= Uti� 5d t c> R I 'dt0. - �T ffAjo Lf_6,0 Liv. L-j e is 7 C Pc 14b,to G-f,[ DE-SSt-K c s-- 35 ? v A-s,57-rt EZ � _ IA,p L .�M� A D,00 s5i, PAF s-- 4 s 5i4- 2p PWtZ Sr=tarRty' J--,,G S b,W D yC-6oc s 4.G S R) Qq 4 3 B C - M S U ITE uI Cu �- UnitedHealthcare Insurance Company PO Box 105133 Atlanta, GA 30304 DATE: 01/21/2015 MEMBERSHIP#: 018310038-1 CHECK NUMBER: 391827 021AARP-TRt0010D1-00m-01 CHECK AMOUNT: .$2,271.00 ESTATE OF FRANCES L SMITH 67 OLD PIONEER RD CAMP HILL PA 17011-2050 THIS REFUND IS FOR THE AMOUNT RECEIVED WITH YOUR ENROLLMENT FORM BECAUSE COVERAGE WAS NOT ISSUED. IF YOU HAVE ANY QUESTIONS, PLEASE CALL TOLL FREE 1-800-523-5800. 1-4J n � - Supplemental and Personal Health I Plans insured nyUnitedHealthcaze Insurance Company `. 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Fa is t� ' ( F� F¢ F� _c E t° _a v c `o ami m 0 F w O D MassMutual Annual Statement of Values o our [® FINANCIAL GROUP° on y , o m Permanent Life Policy 0 � o o � 00 0 0 FRANCES L SMITH *001199* POLICY NUMBER: 1726843 67 OLD PIONEER RD DATE PREPARED: 05/15/14 CAMP HILL PA 17011-2050 ANNIVERSARY DATE: 06/20/14 INSURED'S NAME: VICKIE JO RAWLINGS OWNER'S NAME: FRANCES L SMITH This annual statement provides you with important information about your MassMutual Permanent Life policy. It shows the current status of the insurance coverage, dividends and cash values. The insurance benefit on this policy is the total coverage amount plus dividend accumulations, if any, minus the outstanding loan balance and loan interest, if any. INSURANCE COVERAGE Basic Policy Coverage $1,000.00 FINANCIAL INFORMATION Policy Cash Values: Basic Policy Cash Value $724.58 This Year's Dividend Accumulations + 16.89 Prior Accumulated Dividends + 3,566.16 Net Cash Value = $4,307.63 This Annual Statement does not change the policy values, and where different, the terms of the contract apply. Please see the reverse side for additional information. THIS IS NOT A PREMIUM PAYMENT NOTICE. Srt Grp- 120 ANNFRNTI S10�,Sa 1103 _ -- .. - - f� I LAST WILL AND TESTAMENT OF FRANCES L. SMITH 5 I, FRANCES L. SMITH, of Hampden Township, Cumberland County, u Pennsylvania, being of sound mind and disposing memory, do hereby make this Will, hereby revoking all my former Wills and Codicils: . Article One: Provision for Debts and Expenses: i; §1.1 1 direct that any of my legally enforceable debts, any expenses of my last +I illness,funeral and burial,and any of the administrative expenses of my estate shall be paid from the #' principal of that portion of my estate disposed of by Article Three of this Will. Article Two: Tangible Personal Property: §2.11 bequeath all my tangible personal property in accordance with the terms of a Personal Property Memorandum I may prepare. If no such memorandum is located or received by the Executor within 60 days after being appointed as such, after conducting a reasonable search for such memorandum,the Executor shall be held harmless for distributing such property as hereinafter provided. §2.2 1 bequeath such assets not disposed of by such memorandum, or all of such property if no such memorandum is so located or received, to my daughter,Vickie Jo Rawlings, and her husband,Edward P. Rawlings. §2.3 To the extent practicable in the Executor's sole discretion, I bequeath any policies of insurance on such property to the beneficiary entitled to such property. §2.41 direct that the expenses of storing, packing,shipping, insuring and delivering 3 an such y property to the beneficiary entitled thereto shall be paid by the Executor as an !' administrative expense of my estate. Article Three: Residue: §3.11 devise and bequeath all the residue of my estate of whatever nature and where t 1 � i ever situated to be divided and distributed as follows: §3.1.1 One Hundred percent (100%) to my daughter and son-in-law, Vickie Jo Rawlings and Edward P.Rawlings,of Camp Hill,PA, or the survivor of them,per capita. If neither of them survives me,this share shall lapse and the residue shall pass under §3.1.2 hereinafter; and §3.1.2 If neither Vickie Jo Rawlings or Edward P.Rawlings survives me,then One Hundred percent(100%)is bequeathed as a charitable bequest to the Ortenzio Heart Center at Holy Spirit Hospital, 503 N. 21st Street, Camp Hill, PA 17011-2188, as a memorial gift in memory of my late, dear husband, Gerald W. Smith, and our family. Article Four: Appointment of Fiduciaries: §4.1 I appoint my daughter,Vickie Jo Rawlings, as Executrix of this Will. If Vickie Jo Rawlings is unable or unwilling to act or continue to act,for any reason whatsoever,I appoint my son-in-law,Edward P.Rawlings, as first, contingent, successor Executor. All references herein to the"Executor" shall mean my originally appointed Executrix or my successor Executor, as the case may be. Article Five: Powers of Fiduciaries: §5.1 No fiduciary under this Will shall be required to give bond or other security for the faithful performance of the fiduciary's duties. §5.2 Any such fiduciary shall have the following powers, in addition to those given by law: §5.2.1 To invest in,accept and retain any real or personal property, including stock of a corporate fiduciary or its holding company, without restriction to legal investments; §5.2.2 To sell, exchange,partition or lease for any period of time any real or personal property and to give options therefor for cash or credit,,with or without security; §5.2.3 To borrow money from any person including any fiduciary acting hereunder, and to mortgage or pledge any real or personal property; §5.2.4 To hold shares of stock or other securities in nominee registration form, including that of a clearing corporation or depository,or in book entry form or unregistered or in such other form as will pass by delivery; 2 §5.2.5 To engage in litigation and compromise, arbitrate:or abandon claims; §5.2.6 To make distributions in cash, or in kind at current values, or partly in each, allocating specific assets to particular distributes on a non-pro rata basis, and for such purposes to make reasonable determinations of current values; §5.2.7 To make elections, decisions, concessions and settlements in connection with all income, estate, inheritance, gift or other tax returns and the payment of such taxes,without obligation to adjust the distributive share of income or principal of any person affected thereby; and §5.2.8 To disclaim any interest I may have in any estate if the Executor deems such disclaimer to be in the best interests of my estate and the beneficiaries thereof. Article Sig: Provision for Taxes: §6.1 .All estate taxes, inheritance taxes, transfer taxes and other taxes of a similar nature payable by reason of my death to any government or subdivision thereof upon or with respect to any property subject to any such tax ("Death Taxes"), and any penalties thereon, shall be paid by the Executor out of the principal of that portion of my estate disposed of by Article Three of this Will, and all interest with respect to any.such taxes shall be paid by the Executor out of the income or principal or partly out of the income and partly out of the principal of such portion of my estate, in the absolute discretion of the Executor, without reimbursement from or apportionment among the beneficiaries,recipients or owners of such property for any such taxes, penalties or interest. Article Seven: Miscellaneous Provisions: §7.1 As used in this Will,the term"Internal Revenue Code" shall mean the Internal Revenue Code of 1986,as amended from time to time,or the corresponding provision of subsequent law. §7.2 If any beneficiary hereunder should die within thirty(3 0) days after me,then such beneficiary shall be deemed to have predeceased me for all purposes hereunder IN WITNESS WHEREOF,I,FRANCES L. SMITH,have hereunto set my hand and seal to this, my last Will, typewritten on five (5) sheets of paper, including the self-proving 3 s . attestation clause and signatures of witnesses,this day of �2 ' �- , 2004. (SEAL) FRANCES L. SMITH Signed, sealed,published and declared by the above named FRANCES L. SMITH as and for her last Will, in the presence of us and each of us, who, at her request and in her presence and in the presence of each other,have hereunto subscribed our names as witnesses thereto the day and year last above written. i Residing at Id -7 Z �r-- /qn.P Residing at n �, JV 4i l-1-� g 7 ---- siding at. r3 nn COMMONWEALTH OF PENNSYLVANIA: SS. COUNTY OF CUMBERLAND : We, FRANCES L. SMITH, the testatrix, and 113 CAN t'7 '% �F y (�6 Y'i b%�a �/'!, - ✓�, 'o r nJ and t C u i N �Jd srr�ra-�y A,' the witnesses,whose names are signed to the attached k or foregoing instrument,being first duly sworn, do hereby declare to the undersigned authority that the testatrix signed and executed the instrument as her last Will;that the testatrix signed willingly and executed it as her free and voluntary act for the purposes therein expressed; that each 4 i subscribing witness in the hearing and sight of the testatrix signed the Will as a witness and that to the best of his or her knowledge the testatrix was at that time eighteen(18)years of age or older,.of sound mind and under no constraint or undue influence. o FRANCES L. SMITH Witness v Witness Witness Subscribed, sworn to and acknowledged before me by FRANCES L. SMITH,the testatrix, and subscribed and sworn to before me by .� �C n N �-� �� �� o,� :y y - 1 ���✓ and the witnesses, this day of IPA i '2004. Notary Public My Commission expires: SEAL c_oMMONWEALTH OF PENNSYLVANIA Notarial Seal Laure E Kane,Notary Public CwP Hs Bcro,C.umberiand county My G&Tgrasew Ex ices Nov.15,2007 Nleiflber,pel)r+s�tmja Association Of Notaries 5 COMMONWEALTH OF PENNSYLVANIA - /''� REV-'1162 EX111-961 DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES ljll�ly� (ff(J,,, ff DEPT.280601 ' HARRISBURG,PA 17126-0601 , PENNSYLVANIA s RECEIVED FROM: INHERITANCE AND ESTATE TAX OFFICIAL RECEIPT NO. CD 020366 RAWLINGS VICKIE JO 254 GREEN LANE DRIVE CAMP HILL, PA 17011 ACN ASSESSMENT AMOUNT CONTROL NUMBER told -- 101 $32,500.00 ESTATE INFORMATION: SSN: FILE NUMBER: 2115-0035 DECEDENT NAME: SMITH FRANCES L DATE OF PAYMENT: 63/1-8/2015 POSTMARK DATE: 03/18/2015 COUNTY: CUMBERLAND } DATE OF DEATH: 12/31/2014 TOTAL AMOUNT PAID: $32,500.00 REMARKS: CHECK# 270 INITIALS:' HMW SEAL RECEIVED BY: LISA M. GRAYSON, ESQ. REGISTER OF WILLS TAXPAYER