Loading...
The URL can be used to link to this page
Your browser does not support the video tag.
Home
My WebLink
About
06-08-15 (2)
®l 1505614105 pennsytvania Y7 OEPAfl MEMOF REVENUE EX(03-14)(FI) REV-1500 OFFICIAL USE ONLY Bureau of Individual Taxes County Code Year File Number PO BOX 280601 INHERITANCE TAX RETURNI l I t `C Harrisburg, PA 17128-0601 RESIDENT DECEDENT - ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY. Date of Birth MMDDYYYY [04182014 F02261929 Decedent's Last Name Suffix Decedent's First Name MI ALLEN MARTHA ❑ (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 CID 1.Original Return p 2.Supplemental Return p 3. Remainder Return(date of death prior to 12-13-82) O 4.Agriculture Exemption(date of O 5. Future Interest Compromise(date of p 6. Federal Estate Tax Return Required death on or after 7-1-2012) death after 12-12-82) 7.Decedent Died Testate p 8.Decedent Maintained a Living Trust 0 9. Total Number of Safe Deposit Boxes (Attach copy of will.) (Attach copy of trust.) O 10. Litigation Proceeds Received p 11.Non-Probate Transferee.Return p 12. Deferral/Election of Spousal Trusts (Schedule F and G Assets Only) O 13. Business Assets O 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 [MARIANNE ALLEN First Line of Address 18 SHERWOOD CIRCLE Second Line of Address City or Post Office State ZIP Code ENOLA PA [17025 cs-k Correspondent's email address: REGISTER O(=Vy14L lS ONW t.> REGISTER OF WILLS USE ONLY "' t i co 7 DATE FILED STAMP U) '. PLEASE USE ORIGINAL FORM ONLY Side 1 111111IIIIIIIIIIitIIt111111411�1��1IIIII111111111IIII 1505614105 _,J J 1505614205 REV-1500 EX(FI) Decedent's Social Security Number Decedent's Name: [ RECAPITULATION 1 1. Real Estate(Schedule A). . .......... . . ................ .......... .... . 1. 62,000.00 2. Stocks and Bonds(Schedule B) ... ............................. ....... 2. 0.00 3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C) . .... 3. 0.00 4. Mortgages and Notes Receivable(Schedule D). .. ....... .. . .... .. ... ..... 4. 0.00 5. Cash, Bank Deposits and Miscellaneous Personal Property(Schedule E).. .. ... 5. 2,565.63 6. Jointly Owned Property(Schedule F) O Separate Billing Requested .. . .... 6. 0.00 7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property (Schedule G) O Separate Billing Requested........ 7. 0.00 8. Total Gross Assets(total Lines 1 through 7)............. . ... ... ......... 8. 64,565.63 9. Funeral Expenses and Administrative Costs(Schedule H).......... ... ...... 9. 15,349.97 10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule 1)... ............ 10. 9,997.60 11. Total Deductions(total Lines 9 and 10). ............... ........... .... .. 11. 25,347.57 12. Net Value of Estate(Line 8 minus Line 11) ............... .. ... ....... ... 12. 39,218.06 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. 39,218.06 TAX CALCULATION-SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate,or transfers under Sec.9116 0.00 (a)(1.2)X.0_ 15. 0.00 16. Amount of Line 14 taxable at lineal rate X.0 45 39,218.06 16. 1,764.81 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. 1,764.81 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 PERSON RESPONSIBLE FO�2 FILING RETURN DATEADD R S 7 't�P SIGNATURE OF PREP RER OTHER THAN PERSON RESPONSIBLE FOR FILING THE RETURN TE ADDR CRY T- TT CPA 110 BERGNER ST HARRISBURG PA 17110 1111111111a111111111Nil[1i11 111ppI1111111111111111111 Side 4 1505614205 REV-1500 EX (FI) Page 3 File Number Decedent's Complete Address: DECEDENT'S NAME MARTHA ALLEN STREETADDRESS 218 SUSQUEHANNA AVENUE CITY STATE ZIP ENOLA PA 17025 Tax Payments and Credits: 1. Tax Due(Page 2,Line 19) (1) 1,764.81 2. Credits/Payments A.Prior Payments 0.00 B.Discount 0.00 (See instructions.) Total Credits(A+B) (2) 0.00 3. Interest (3) 19.82 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) 0.00 5. If Line 1 +Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 1,784.63 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.......................................................................................... ❑ N b. retain the right to designate who shall use the property transferred or its income............................................ ❑ 0 c. retain a reversionary interest .............................................................................................................................. ❑ 0 d. receive the promise for life of either payments,benefits or care?..................................................................... ❑ E 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? ........................................................................................................................ ❑ 0 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.§9116(a)(1)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent[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+(02-15) pennsylvania SCHEDULE A DEPARTMENT OF REVENUE REAL ESTATE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: MARTHA ALLEN 2114-0405 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' PERSONAL RESIDENCE-218 SUSQUEHANNA AVENUE ENOLA, PA 17025 APPRAISAL ATTACHED 62,000.00 . I t TOTAL(Also enter on Line 1,Recapitulation.) $ 62,000.00 If more space is needed,use additional sheets of paper of the same size. REV-1508 EX+(02.15) pennsylvania SCHEDULE E DEPARTMENT OF REVENUE CASH, BANK DEPOSITS & MISC. INHERITANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT ESTATE OF: FILE NUMBER: MARTHA ALLEN 2014-0405 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 'PNC CHECKING ACCOUNT#51-4010-9334 1,506.70 2. .PA STATE EMPLOYEES RETIREMENT ANNUITY PAYMENT RECEIVABLE 558.93 3. PA PROPERTY TAX REBATE RECEIVABLE 500.00 TOTAL(Also enter on Line 5, Recapitulation) $ 2,565.63 If more space is needed,use additional sheets of paper of the same size. REV-1511 EX+(02-15) pennsytvania SCHEDULE H DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER MARTHA ALLEN 2014-0405 Decedent's debts must be reported on Schedule 1. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1' '.ZIMMERMAN AUER FUNERAL HOME 8,890.52 2.1, FUNERAL REPAST 143.06 3. ,EVANS CEMETERY MEMORIALS-ENGRAVING ON STONE 150.00 B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s)of Personal Representative(s) Street Address City State ZIP Year(s)Commission Paid: Z. Attorney Fees: 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: 178.50 5. Accountant Fees: 6. Tax Return Preparer Fees: 700.00 7• BANK FEES 10.00 8.: LEGAL NOTICES 127.48 9., UTILITIES PAID FOR HOUSE DURING ADMINISTRATION' 1,545.90 10.' :HOUSE REPAIRS FOR SALE PREPARATION-WINDOW WORLD 3,198.17 ............... .. ....... ..... .. .. .. �. :DONEGAL INSURANCE COMPANY-HOUSE INSURANCE 396.34 12. REAL ESTATE TAX APPEAL 10.00 TOTAL(Also enteron Line 9, Recapitulation) $ 15,349.97 If more space is needed,use additional sheets of paper of the same size. REV-1512 EX+(02-15) 10 pennsylvania SCHEDULE I DEPARTMENT OF REVENUE DEBTS OF DECEDENTr INHERITANCE TAX RETURN MORTGAGE LIABILITIES & LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER MARTHA ALLEN 2014-0405 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. 2014 COUNTY REAL ESTATE TAXES PAID TO DEBBIE LUPOLD AT SETTLEMENT(NET) 955.07 2. BANK OF AMERICA CREDIT CARD 3,177.10 3. CAPITAL ONE CREDIT CARD 5,641.86 4. REPAYMENT OF EXCESS ANNUITY PAID 223.57 i TOTAL(Also enter on Line 10, Recapitulation) $ 9,997.60 If more space is needed,insert additional sheets of the same size. REV-1513 EX+(02-15) 0 pennsytvania SCHEDULE DEPARTMENT OF REVENUE BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: MARTHA ALLEN 2014-0405 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• MARIANNE ALLEN 18 SHERWOOD CIRCLE ENOLA PA 17025 DAUGHTER 66% 2. 'LARISSA ALLEN 18 SHERWOOD CIRCLE ENOLA PA 17025 GRANDDAUGHTER 17% 3. LYDIA ALLEN COOPER 170 FLINTLOCK RD PARSIPPANY NJ GRANDDAUGHTER 17% z 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. COMMONWEALTH OF PENNSYLVANIA SHORT CERTIFICATE COUNTY OF CUMBERLAND I, LISA M. GRAYSON, ESQ. Register for the Probate of Wills and Granting Letters of Administration in and for CUMBERLAND County, do hereby certify that on the 25th day of April, Two Thousand and Fourteen, (D Letters TESTAMENTARY in common form were granted by the Register of said County, on the estate of MARTHA ALLEN late of EAST PENNSBORO TOWNSHIP (First,Middle,Last) in said county, deceased, to MARIANNEALLEN (First,Middle,Last) and that same has not since been revoked. IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed the seal of said office at CARLISLE, PENNSYLVANIA, this 25th day of April Two Thousand and Fourteen. File No. 2014- 00405 PA File No. 21- 14- 0405 Date of Death 411812014 S. S. # Register f . . '! Deputy NOT VALID WITHOUT ORIGINAL SIGNATURE AND IMPRESSED SEAL - 1. LAST WILL AND TESTAMENT OF- MARTHA SASS ALLEN I,Martha Sass Allen,a resident of Enola, Pennsylvania declare this to be my Last Will and revoke all former Wills and Codicils. ARTICLE I Identification of Family At the present time I am unmarried. In making this Will I have in mind my children,Marianne Allen, born 1953,and Gregory Wendell Allen, born 1958, but does not include any children hereafter born to or adopted by me. Any reference to a "child of mine" or"my children" shall include the persons named or referred to in this Article. ARTICLE II Appointment of Fiduciaries A. Appointment of Personal Representative. i appoint my daughter, Marianne Allen, as Executor of my estate. If Marianne Allen is or becomes unable or unwilling to serve,I appoint my son. Gregory Wendell Allen as alternate Executor. B. BoA; Court Supervision. My Executor shall have the right to serve without bond and to administer and settle my estate without the intervention or supervision of any court,except to the extent required by law. Nothing herein shall prevent my Executor from seeking the assistance of the court in any situation where my Executor deems it appropriate. ARTICLE III Specific Gifts A. Gifts of Specified Items of Property. I give all my interest in certain items of tangible personal property to the beneficiaries designated in this section as follows: 1. Specific Gift One. l give all household possessions to my son, Gregory Wendell Allen if he survives me. If Gregory Wendell Allen does not survive me, I give this gift to my daughter, Marianne Allen. B. Insurance. I give to each recipient of an item of tangible personal property my interest in any insurance covering the item.. My purpose in making this gift is to give each recipient the benefit of insurance coverage for which I have already paid. Will of Martha Sass Allen Page I of 6 Initials: A, Date: It is not my intention to give any recipient the proceeds of an insurance claim that exists but is unpaid at my death. ARTICLE IV Disposition of Residue A. Provision for Descendants. I give 66%of the rest and residue of my estate,wherever located(hereafter referred to in this Article as "residue"), to my daughter,Marianne Allen if she survives me. If my daughter,Marianne Alien does not survive me then I give 50%of her 66%of the residue to my son, Gregory Wendell Allen. 1. Provision for Others. 1 give 17%of the residue to my granddaughter, Larissa Catherine Allen. I give 17% of the residue to my granddaug hter, Lydia Allen Greasy. If my daughter, Marianne Allen does not survive me then I aive 25%of her 66%of the residue to my granddaughter, Larissa Catherine Allen,and 25%of the residue to my granddaughter,Lydia Allen Creasy. If my granddaughter, Larissa Catherine Allen does not survive me then I give all of her 17%of the residue to my granddaughter, Lydia Allen Creasy. If my granddaughter, Lydia Allen Creasy does not survive me then I give all of her 17%of the residue to my granddaughter, Larissa Catherine Allen. If I am not survived by any of my descendants, or by any party named in this provision, I give the entire residue to my heirs. ARTICLE V Alternative Methods of Distribution A. Purpose of Article. Recognizing that under certain circumstances the terms of this Will may direct that property be distributed outright to a person who is under age twenty-one(2 1)or under a legal disability; I make the following provisions to facilitate the distribution of property to such persons. B. Alternative Methods. Whenever the terms of this Will direct my personal representative(referred to in this Article as the "fiduciary")to distribute property outright to a person who is then under age twenty-one(21)or under a legal disability,the fiduciary may retain pursuant to Paragraph C.of this Article or distribute al or any portion of that property in any one or more of the following ways: 1. Delivery directly to the beneficiary; 2. Delivery to the parent or stepparent of the beneficiary, 3. Delivery to the guardian of the beneficiary's person or property; 4. Delivery to any Custodian for the beneficiary under the Uniform Gifts to Minors Act; Will of Martha Sass Allen Page 2 of 6 Dater 11 5. Delivery to any then existing trust created for the beneficiary: 6. Deposit in a financial institution in an account established in the name of the beneficiary alone pursuant to the laws of the State of Pennsylvania; 7. Storage of any tangible personal property in safekeeping with the costs of storage to be borne by the beneficiary; or 8. Sale of any tangible personal property and delivery of the proceeds in any manner permitted by this Article. Provided the fiduciary acts in good faith, upon delivery of any property in accordance with the provisions of this Article, the fiduciary shall be discharged from all responsibilities in connection with the property. C. Discretionary Trust. Any property not distributed as provided in Paragraph B.of this Article shall be retained by the fiduciary in trust for the beneficiary on the following terms and conditions: During any period in which the beneficiary is under a legal disability or under twenty-one (2 1)years of age, the fiduciary shall pay to or apply for the benefit of the beneficiary so much of the income and principal of the trust as the fiduciary, in its sole and absolute discretion,determines is advisable for the beneficiary's health, support,education and general welfare. At such time as the beneficiary is neither under a legal disability nor under age twenty-one(21), the fiduciary shall distribute any-iemaining trust assets to the beneficiary. if the beneficiary dies before all of the trust assets have been distributed,the fiduciary shall distribute any remaining trust assets to the beneficiary's estate. ARTICLE VI Administrative Provisions A. Powers and Duties of Personal Representative. My personal representative shall have all of the powers and duties granted to or imposed upon personal representatives serving with non-intervention powers pursuant to the laws of the State of Pennsylvania. B. Debts and Expenses. All expenses of administration chargeable to principal,the expenses of the disposition of my remains,and all my legitimate debts. if and when paid, shall be paid from the principal of my residuary estate. No debt need be paid prior to its maturity in-due course and except as otherwise provided in this Will no interest in any property passing under this Will need be exonerated. C. Taxes. All estate,inheritance or other similar death taxes, together with any interest or penalties thereon,arising by reason of my death with respect to any Will of Martha Sass Allen Page 3 of 6 Initials: Date:Date: property includable in my taxable estate, and any adjusted taxable gifts. whether passing under or outside of this Will, shall be paid from the principal of my residuary estate without reimbursement from the recipients or beneficiaries of such property, provided, however,that in the event any proceeds of insurance upon my life or any property over which I held a power of appointment are included in my estate for purposes of determining the federal estate tax liability of my estate,then the residue of my estate shall be entitled to receive from the recipients of any such proceeds or property the portion of such federal estate tax liability attributable to such proceeds or property determined in accordance with IRC §§ 2206 and 2207. ARTICLE VII Miscellaneous A. Number and Gender. Unless the context indicates a contrary intent, the plural and singular forms of words shall each include the other, and every noun and pronoun shall have a meaning that includes the masculine, feminine and neuter genders. B. Survival. To "survive" me,as that term is used in this Will, a person must continue to live for thirty(30) days after my death. C. Descendants. The "descendants" of an individual include only the following: 1. All such individual's biological descendants,except any person not born in lawful wedlock and his descendants, unless the biological parent who would otherwise cause him or her to be a descendant has acknowledged paternity or maternity in legitimation proceedings, or in an unambiguous signed writing identifying such person by name,or by raising such person in the same household: and 2. Persons adopted by such individual or one of his or her descendants, and their descendants. If the parent,who would cause a person to be a descendant as defined above, is replaced in an adoption proceeding, such person shall remain a descendant unless such parent voluntarily consents to the relinquishment of his or her status as parent in connection with such adoption proceedings. D. Heirs. The term "heirs" shall mean those persons entitled to inherit tinder the then-applicable laws of the State of Pennsylvania governing the descent of an intestate's separate estate. They shall inherit in their statutory proportions. E. Exclusion of Pretermitted Heirs. Other than as set forth in this Will, I make no provision for any child of mine or descendant of a deceased child of mine. I Will of Martha Sass Allen Page 4 of 6 Initials:-__N•Q-. Date: Ll—IJ e specifically make no provision for any person (whether now living or hereafter born), other than a child named or referred to in Article 1 or a descendant of mine as defined in this Will, who may be entitled to claim an interest in my estate under the laws of the State of Pennsylvania. F. Legal Disability. A person is under a legal disability if my personal representative determines, in good faith, that the person is incapable of managing her property or of caring for herself, or both, or is in need of protection or assistance by reason of physical injury or illness, mental illness, developmental disability, senility, alcoholism,excessive use of drugs, or other physical or mental incapacity. G. Title to Real Property. Upon my death,title to any real property passing under this Will shall vest in my personal representative in his fiduciary capacity and shall remain so vested until my personal representative distributes or sells that property, at which time title shall vest in the distributee or purchaser. H. Disclaimer. Except as may be otherwise specifically provided in this Will, in the event that any beneficiary disclaims an interest arising out of this Will or any trust created herein it is my intention that the interest disclaimed shall be distributed in the same manner and at the same time as if the disclaiming beneficiary had died immediately preceding the event pursuant to the laws of the State of Pennsylvania. I. Governing Law. The provisions of this Will shall be interpreted in accordance with and in light of the laws of the State of Pennsylvania. J. Corporate Successors. Whenever a corporation or other business entity is referred to herein,the reference shall include any successor organization. K. References to Statutes. In this Will, the abbreviation "IRC" shall refer to the Internal Revenue Code of 1986 as amended. Will of Martha Sass Allen Page 5 of 6 Initials: / V.1 . Date: —L/ I have initialed and dated for identification purposes all pages of thi , my Last Will,and have executed the entire instrument by signing this page on the day of 31VU.,�,20 K ,at (MO, Pennsylvania. Martha Sass Allen Attestation and Statement of Witnesses Each of us declares under penalty of perjury under the laws of Pennsylvania that Martha Sass Allen, the Testator, signed this instrument as her Last Will in our presence, all of us being present at the same time, and we now, at the Testator's request, in the Testator's presence, and in the presence of each other, sign below as the witnesses. declaring that the Testator appears to be of sound mind and under no duress, fraud. or undue influence. 41avL� [Witness Signa e] [Witness Signature] Stoaau-e �,"% AKM A' -n C EZ--C [Print Name} (Print Name] Residing at W3—"4 Residing at 12-Sa 6 ce• &S1-7t VR 4 e--r, Ent& PA k-1024 W 0 _D 6 if 124 e-- ' Will of Martha Sass Allen Page 6 of 6 Initials`Q- Date: SELF-PROVING AFFIDAVIT STATE OF PENNSYLVANIA } ss. COUNTY OF CLIAbAAU ; 1, the undersigned, an officer authorized to administer oaths, certify that Martha Sass Allen, the Testator, and # , tit!'t� �i✓i�\ and 4sj)j A m C, W5 L e- N , the witnesses,whose names are signed to the attached or foregoing instrument and whose signatures appear below, having appeared together before me and having been first duly sworn, each then declared to me that: 1)the attached or foregoing instrument is the last will of the Testator;2) the Testator willingly and voluntarily declared, signed and executed the will in the presence of the witnesses; 3) the witnesses signed the will upon request by the Testator, in the presence and hearing of the Testator, and in the presence of each other; 4)to the best knowledge of each witness the Testator was,at that time of the signing, of the age of majority (or otherwise legally competent to make a will),of sound mind and memory,and under no constraint or undue influence;and 5)each witness was and is competent and of the proper age to witness a will. Martha Sass Allen v [Witness Signat e] [Witness Signature] S4co u�qie Vie;��/-\ //.y-.vr G . W 67-L c/-f [Print Nam [Print Name] Residing at 6�1 [,(h!►J`��lli�k?A'U G;�'�-� Residing at 1,2- p cam- Ssy�,��� c7'. PSR no _ �a -P&!�<:l25-c:� v� Zai:F-2- Section for Notary Public: Subscribed, swornCind acknowledged before me by the said Martha Sass Allen, Testator, and by the said ;7 the P) , and witnesses,this L1 day of JVY\k . 20 l NOTARIAL SEAL [Signature of Notary] kl STEPHANIE BEIGH ] Notary Public E.PENNSBORO TVP.,CUMBERLAND COUNT [print or stamp name of Not •1 �1 My Commission Expires Nov 18,2012 Mority 50 Plus Statement p1VC13ANK PNC'Batik Primary account number:51-4010-9334 Page 1 of 4 For the period 04/15/2014 to 05/14/2014 Number of enclosures:0 000728 r3 For 24-hour banking,and transaction or EST OF MARTHA ALLEN DECD intoroot rate information,sign on tQ MARIANNE ALLEN EXTRX PNC Bank Online Banking at pnc.com. 18 SHERWOOD CIR � j a' For customer service call 1-888-PNC-BANK ENOLA PA 17025-1840 . Monday-Friday:7 AM-10 PM ET !Y)i� Saturday 8r Sunday: 8 AM-5 PM ET - Para servicio en espaflol,1-866-HOLA-PNC Moving? Please contact us at 1-888-PNC-BANK ®Write to:Customer Service PO Box 609 - - -- ----- -� Fki sbt:rgh-PA 15230-3738:- 8 Visit us at PNC.com TDD terminal:1-800-531-16,48 For hearing impaired clients only Prlorlty so Plus MariiannneAhen Exit Decd Interest Checlong Account Summary Account number: 51-4010-9334 Overdraft(Protection has not been established for this account. Please contact us if you would like to set up this service. Overdraft Coverage-.Your account is currentlyopted-out. You or your ioint owner may revoke your opt-in or opt-out choice at any time. To learn more about PNC Overdraft Solutions visit us online at pnc.com/overdraftsolutions. Call 1-877-588-3605,visit any branch,or Sign onto PNC Online Banking,and select the'Overdraft Solutions"link under the Account Services section to manage both your Overdraft Coverage and Overdraft Protection settings. Balance Summary Beginning Deposits and Checks and other Ending balance other additions deductions balance 1,506.70 558.94 768.92 1,296.72 Average monthly Charges . balance and fees 1,492.42 UO Transaction Summary Checks paid/ Check Card POS Check Card/Bankcard withdrawals signed.transactions POS PIN transactions 5 0 0 Total ATM PNC Bank Other Bank transactions ATM transactions ATM transactions 0 0 0 Interest Summary As of 05/14,a total of$A3 in interest was paid this year. Annual P---ta8o Numbor of days Avoraoe collected Interest Paid Yield Eamod(APYE) in interest period balance for APYE thls period U.U17. JO 1r�9Z•4:: _01 PNDMLT01-JOB 18214-140-NNNNNN-002-002176 Priority 50 Plus Statement For the period 04/15/2014 to 05/14/2014 For 24-hour information,sign on to PNC Bank Online Banking EST OF MARTHA ALLEN DECD on pnc.eom.- Primary account number.51-4010-9334 Account number:51.4010-9334-continued - Page 2 of 4 Activity Detail Deposits and Other Additions There were 2 Deposits and Other Additions Date Amount Description totaling$558.94. 04/30 558.93 Direct Deposit-Annuitant PA Treasury Dept XXXXXXXXXXX7552 05/14 01 Interest Payment Checks and Substitute Checks Check Date Reference Check Date Reference number Amount paid number number Amount paid number 4105 11.27 05/05 084477302 4108 128.70 05/09 084099622 4106 4733 05/05 084868680 4109 546.56 05/02 083301894 4107 33.06 05/05 084124';63 *Gap in check sequence - . .. there were 5 checks listed totaling $766.92. Online and Bectronic Banking Deductions There was 1 Online or Electronic Banking Date Amount Description Deduction totaling$2AO. 05/06 2.00 Direct Payment-XXXXXX8007 Priority 50 Plu 1006164 Daily Balance Detail Date Balance Date Balance' Date Balance Date Balance 04/15 1,506.70 05/02 1,519.07 05/06 1,425.41 .. 05/14 1,296.72 04/30 2,065.63 05/05 1,427.41 05/09 1,2901 Get ready for your retirement.Open a PNC Investments IRA today. . Are you investing enough for the lifestyle you want in retirement?Open a PNC Investments Individual Retirement Account.('IRA')today for a smart way to help stay on track toward your retirement goals.Whether you need help with retirement.planning,setting up a PNC Investments IRA or discussing distribution options for a 401(k)from a previous employer,a PNC Investments Financial Advisor can help.Stop by any PNC branch or call 1-855-PNC-INVEST today. Important Investor Information:Brokerage and insurance products are: Not FDIC Insured—Not Bank Guaranteed—Not a Deposit Not Insured By Any Federal Government Agency—May Lose Value Securities and brokerage services are provided by PNC Investments LLC,a registered broker-dealer and investment adviser and member FINRA and SIPC.Annuities and other insurance products are offered by PNC Insurance Services,LLC a licensed insurance agency. If.Wu have a 401(k)from a former job,you may have several options to consider,•each may have different costs,payment options and other features. Consult ynur legal or lax adviser for more information. Priority 50 Plus Statement PNCBANK For the period 04/15/2014 to 05/14/2014 Ip For 24-hour information,sign on to PNC Bank Online Banking EST OF MARTHA ALLEN DECD on pnc.com. Primary account number.51-4010-9334 Page 3 of 4 Check images. MAMMA ALIEN 4105 YARnIA ALLEN 4108 Itl SUSMEHAWAAVE s0.ir137e1 x111�pU2W,%"AAVE- _ pyryna ENOLA,FA10o�z y,J aey �/Y OMtA.wetrvpnm�¢� It/so.2.4y 0"Yalr a e U G X U�.l-/+e t elL�- I Ti$..f¢/!.�-Y o,acr _-L_�L 2e�1�- Lis/1r�c �1�7$q'7-33 QPVCBANK QPNCBANK - 1ur1.+.1u oe �j�tq-.-[arses Leel/a���Atc A� nsaa n� ua ,�„�,.p 1:033312?381: 5&40&093341' 4305 1:03L3L27381: 5140&09334-n'�3ti�LOG o 4105 $1127 05/05/2014 4106 $47.33 05/05/2014 MWUUM_ Al^CY 4lb7•-- -- --MAMWA-ALLM- --^---— --•- 4108 21e SY503FrIMNAAYE MYq,)q z13SUSOUE1weo1AAW n..w0 ■ EnaA yr nmsaasa Q{rr/3e ?,dY 100 BOLA.?A li0361A21 �a`-4 30 2e?� ✓ Iti.b Re to<hc Pn to the Urder ofesLeH 'y'D ,7.t.. _J $ ordcyr�ot '-P�1gs�lVti,l.t.� U/dl7.C.r i � 33_oG0 /' �7 ' �JVic, a�.-�.1�cs o•..iC- ----"�{0 nolmro !3 gamy— / 1+r"AC Dollars 8 �= QPNCBANK QPNCBANK � nr-.0 m �yifl T.e+'ti'J^'Ir sri..e�ws7.., v[.Lcw, Qllarr Ekec.,+-.y Yor/a�rY-a/On3sr454e85' �cl'�^ff�����r •• For��^/�-s?l!� _ f��`�3 7./xe+-/T-�Ct�!(�-. 40313127381: 511.0109339.11 4107 #:03L3L273a-: SL1.040933t.- 1610a ' 4107 $33.06 05/05/2014 4108 $128.70 05/09/2014 MARTHA ALLEN 4109 aie p{1gplpfAN1AAV1' wvO7fl - e:11u.w _d1-rtsz.�aeG.uwl+.s/-y—S::tiv-G?�-usxsd'91"A�pylla.s � �:=- QPNCBANK tom. n> s r ri avwv.�f r0 Exd /7P-so r team+•e'az �" 1:03L3�ae:5Vy1,0109331.11 L.L09 4109 $546.56 05/02/2014 With PNC Online Banking,you can view,print and save up to the most recent 90 days of your canceled checks-front and back-FREE of charge.Please contact us for additional options. PNDMLT01-JOB 18214-140-NNNNNN-002-002177 Reviewing Your Statement Please review this statement carefully and reconcile it with your records. Call the telephone number on the upper right side of the first page Of this statement if: you have any questions regarding your account(s); your name or address is incorrect; you have any questions regarding interest paid to an interest-bearing account. Balancing Your Account Update Your Account Register Compare: The activity detail section of your statement to your account register. Check Off: All items in your account register that also appear on your statement. Remember to begin with the ending date of your last statement. (An asterisk(*)will appear in the Checks section if there is a gap in the listing of consecutive check numbers.) Add to Your Account Register Any deposits or additions including interest payments and ATM or electronic deposits Balance: listed on the statement that are not already entered in your register. Subtract From Your Account Any account deductions including fees and ATM or electronic deductions listed on the Register Balance: statement that are not already entered in your register. Update Your Statei ient'lnformation Step 1: Step 2: oiech Mund er or Add together Date of Deposit Amount Add together Deduetks DeseripUes Amount deposits and checks and other other additions deductions listed listed in your in your account account register register but not on but not on your your statement. statement. Total A Step 3: Enter the ending balance recorded on your statement $ Add deposits and other additions not recorded Total A+ $ Subtotal= $ Subtract checks and other deductions not recorded Total B- $ The result should equal your account register balance = $ Total B- - Verification of Direct Deposits To verify whether a direct deposit or other transfer to your account has occurred,call us Monday-Friday:7 AM-10 PM ET and Saturday &Sunday:8 AM-5 PM ET at the customer service number listed on the upper right side of the first page of this statement. In Case of Errors or Questions About Your Electronic Transfers 1 elephone us at the customer service number listed on the upper right side of the first page of this statement or write us at PNC Bank Check Card Services,500 First Avenue,4th Floor,Mailstop P7-PFSC-04-M,Pittsburgh,PA 15214 as soon as you can,if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt.We must hear from you no later than 60 lays after we sent you the FIRST statement on which the error or problem appeared. (1)Tell us your name and-account number(if any). (2)Describe the error or the transfer you are unsure about,and explain as clearly as you can why you believe it is an error or why you need more information. (3)Teti us the dollar amount of the suspected error. We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this,we will ?rovisionally credit your account for the amount you think is in error,so that you will have use of the money during the time it akes us to complete our investigation. Member FDIC LJ Equal Housing Lender �•� 4462263764703 Uniform Residential Appraisal Report File No. 18936814 The purpose or this summary appraisal report Is to 2rovide the tendericlient with an accurate,and adequately supported,opinion of the market value of the subject property, Property Address 218 Sus uehanna Ave city Enola State PA Zip Code 17025 Borrower Lisa Allen Owner or Public Record Oliver W.&Martha S.Allen county Cumberland Le at Description As Described In Deed Book:16C No-523 Assessors Parcel d 0914083219 Tax Year 2014 R.E.Taxes S 1,439 Neighborhood Name East PennsboroTownshiD Map Reference 09140832129 Census Tract 0101.00 Occupant Owner JTenant UVacant S ecialAssessments S 0 PUD HOA S 0 er ear Operate Pro an Rights Appraised Fee Sim Leasehold Other describe Assl nment T— I X I Purchase Trar.section Refinance Transaction Other describe Lender/Client CU Members Mortgage,a div of Colonial Savings Address 2626 West Freeway Bldg A Fort Worth TX 76102 Is the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this a raiser? LJYes WNo Report data source(s)used,offering price(s),and date(s). There Was no listing history for the subject property within the past 12 monthsper CPML Multi List. I Wald EJ did not analyze the contract for sale for the subject purchase transaction.Explain the results of the analysis of the contract for sale or why the analysis was not performed. Estate sale'The subject property Is currently under contract as of 11105/1014. Contract Price S 60,100 Date of contract 1110512014 Is the property seller the owner at public record? W Yes EJ No Data Sources Courthouse Is there any financial assistance(loan charges,sale concessions,glfl or downpayment assistance,etc.)to be paid by any perry on behalf of the borrower? WYes UNo If Yes,report the total dollar amount and describe the Items to be paid. 2000"Sellers Payino a portion Of the buyers closina cost is considered to be common and typical for the sub ecrs market ara up to 6%.This has no affect on the sub ect's current value or future marketability. Note:Raceand the racial composition of the rrol hborhood are notappraisal factors. ' Neighborhood Charectertstier.•r.'";.' Y, s-,:', Ona-UnitHousing trends`, --a `:One-Unit Housing a : 'Present LamfUsc% location Urban Suburban Rural Propert Values Increasin Stable DecliningPRICE AGE One-Unit 80% Built-U Over 75% 25-75% Under 25% Demand/Su I Shona In Balance Over Su S 000 ( s 2-4 Unit 5% Growth Ra lo Stable Slow Marketin Time Under 3 mths 3.6 mths Over 6 milts 20 Low 0 Multi-Family5% Neighborhood Boundaries North:Cumberland Count Line South:Cam Hill Borou h East:Susquehanna 875 High 187 Commercial 6% River West:Hampden Township. 147 Pred. 37 other EdMr 5% Neighborhood Description The subject is located in East Pennsboro Townshipand East Pannsboro School District. Employment is stable in the count and is one of the hi hest in the state.The"Other" resent land uses of Education and Worshipare common and typical and have no adverse affect on the subject's marketability. Market Condivans(xtudtrg support for trio above conclusions) The average time of a listing is 80 days and has a median sales rice Of$164,95p,within the est 12 months as per MLS. The market appears to be stable in activitywith no major increasingor decreasingvalues based on the sales histo of ALL sales within the sub act's neighborhood within the past 12 months. Dimensions Deed not supplied Area 6970 sf Shape Irregular view N'Ras' S edrM Zor n Ch' RHD ZoningDescription Residential Hi h Density Zonin Com fiance La al U Legal Nonconforming Grandrathered Use) UNoZoninq Ullleqald Is the highest and best use of the subject property as Improved(or as proposed per plans and specifications)the present use?escribe WYes UNo If No.describe. Utilities Public Other describe Public Other dascdbe Ott-site Improvements—Type Public Private ElectricityWater Street Asphalt GasOil Sanita Sewer Ane None U LJ- FEMA Special Flood Hazard Aroa Yes No FEMA Flood Zone X FEMA map! 42041CO116E FEMA map Date 03/16/2009 Are the utilities and on-site improvements typical for the market area? WYes Na If No,describe. Are there any adverse site conditions or external factors(easements,encroachments,environmental conditions,land uses,etc,)? UYes WNo if Yes,describe. '4!4':'-'-�GENERALDESCRIPTIONr.= M' ':1 :'A4",.,FOUNDATION :; :' EXTERIOR DESCRIPTION .materialslcondltion INTERIM" x.. materiaWcondition Units Vne LJ One with Accessory Unit Concrete Slab Crawl Space Foundation Walls Cone Stone/Avo Floors HWMn I/AY I or stories 2 WFuuBasement U Partial Basement Exterior Walls Frame/Av Walls Plaster/AV T e Dim. Art S-DetJEnd Unft Basement Area 491 sq.h. Roof Surface Shinflle/Avg Trim/Finrsh Wd/Pnt/AV Existing Pro osetl UUnderConst. Basement Finish 0% Gutters&Downspouts Alum/Avg Bath Floor Vin I/Av Design 5 Semi Detached U Outside£n ]Exit USumpPump widow Type Dble Hung/Avg Bath Wainscot Plaster/Avg Year Built 1900 Evidence of LlInfestation Storm SastVlnsulated Thermo/Avg Car Storage None Effective A e Yrs 18 Dampness n Settlement Screens Existina/Avo U Driveway #of Cars 0 Ault: None ealino X FWA1WHwaB1LJRadiaru Amenhdes WcadStave s d0 Driveway Surface Dro Stair JStairs L J Omer I Fuel Oil Fireplace(s)/0 Fence None Gera e !of Cars 0 EI Floor X Scuttle Cooling Central Air Conditioning Patiomeck COv Parch COV Car ort !of Cars 0 finished Heated individual Otheer Pool None other Nona ACL Dei. Built-in fiances WRefirlae4alor WRa---- Dishwasher UDisposall UN11crowave LJWasherlDryer Omer describe Finished area above grade contains: 5 Rooms 2 Bedrooms 1.0 Baths 869 Square Feet of Gross Living Area Above Grade Additional features(special energy efficient items,etc,), None Noted. Describe the condition of the property(including needed repairs,deterioration,renovations,remodeling,etc.), C3'No updates In the prior 15 yearsoThe subject appeared to be in overall averalae condition with normal wear and tear for this age of home.Per homeowner.Roof 2 years old 2008 now gas hot water heater,2009 new windows 2011 now surrill,pump. The roof appears to be In average condition with no apparent leaks.The subject has no Functional inall2guacles. No external Inadequacies were observed. Are there any physical deficiencies or adverse conditions that affect the livability,soundness,or structural integrity of the property? OYes WN. B Yes,describe. Does the property generally conform to the neighborhood(functional utility.style,condition,use,construction,etc.)? WYes UNo If No,describe. FmdLW Mar Fen]a Mamh=5 UAn Yersbn 9!2011 P-Mal u,n;Aa wa»ac.aoonr.et:t—,o..= Farwa M.nom,low Maar zoos Page 1 d6 laelJaUADattiiet/ 4462263764703 Uniform Residential Appraisal Report File No. 18936814 There are 1 comparable properties currently offered for sale In the subject neighborhood ranging in price from S 54,900 to s 54,900 There are 5 com arable sales in the subject nei hborhood within the past twelve months ra in in sale rice from S 44,000 to s 78,000 FEATURE SUBJECT COMPARABLE SALE NO.1 COMPARABLE SALE NO.2 COMPARABLE SALE NO.3 218 Susquehanna Ave 211 Clay Ave 1437 3rd St 209 Abolition Sl Address Enola PA 17025 Enola PA 17025 Enola PA 17025 Enola PA 17025 Proximu to Subject , a . 1.50 miles SSE 1.38 miles SSE 1.41 miles SSE Sale Price s 6010057 000 S 61,500 s 78 000 Sale Price/Gross Liv.Area S 69.16 sq.ft. s 56.55 s.R, s s 59.13 s.ft, $ 69.15 sq.n. a Data Source s CPML#10245138;DOM 52 CPML#10240471•DOM 101 CPML#10245084*DOM 121 Verification Source(s) Cumberland Count Tax Records Cumberland Count Tax Records Cumberland County Tax Records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION )SAd' n DESCRIPTION .(.)sAd a DESCRIPTION s aem Sale or Financing ArmLlh ArmLth Arml-th Concessions FHA•3420 0 ConvO Conv2340 0 Date of Salerl ime s02/14•c12/13 s01/14•c10/13 s04114•c02114 Location N•Res• N•Res• N•Res' N•Res• Leasehold/Fee Simple Fee Simple Fee Simple Fee Simple Fee Simple Site 6970 sf 1742 sf 0 1742 sf 0 5227 sf 0 View N;Res; N•Res• N•Res• N•Res• Desl St a SDUemi Detached SD2•Semi Detached SD2•Semi Detached SD2•Semi Detached Quality of Construction 04 Q4 Q4 04 Actual Age 114 114 94 0 114 Condition C3 C3 C3 I C3 Above Grade Taal Bdmrs eetlrs Taml 18d—I Badrs Tatl 18dmlTatBoars 0 Taal Bmms Bears 0 Room Count 5 1 2 1 1.0 5T2 F 1.0 6 1 3 1 1.0 0—6-5 1.0 0 Gross U*q U' Area 15 869 sq.it. 1,008 sq.rt. -2,085 1,040 sq.h. -2,565 1,128 sq.n. -3.8115 Basement&Finished 491sfOsfin 372sMsfin 0 429sfOsfin 0 564sfOsftn 0 Rooms Below Grade Functional Utility Average Average Average Average Healin Cooli Ad /Central Ad Mone 2000 Ad Mone 2000 Ad Mone 2,000 Energy Efficient Items None None None None Garage/Carport None None None None PorcWPalio/Deck Coy Frt Porch Front Porch 1.000 Gov Frt Porch Coy Frt Porch Other Gov Patio Patio 1000 Patio 1000 Patio 1,000 Other None None None None Other None None None None Net Adjustment otap 1915 s 435 1 L1 $ 865 Adjusted Sale Price 'f'S:'i., Net Adj. 3.4% Net Adj. 0.7% Net Adj. -1.1% of Com arables Gross Adj. 10.7% s 58,915 GrossA . 9.0% S' 61935 Gross Ad. 8.8% f 77.115 1 did did not research the sale or transfer history of the subject property and comparable sales,If not,explain M research LJdid W did not reveal any prior sales or transfers of the subject property for theJhree years prior to the effective date of this appraisal. Data sources Cumberland Cunt Tax Records M research did an r sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale. Data sources Cumberland County Tax Records Report the results of the research and analysis of the prior sale or transfer lory of the subject Property and cam arable sales(report additional prior sales on page 3). ITEM SUBJECT COMPARABLE SALE NO.1 COMPARABLE SALE NO.2 COMPARABLE SALE NO.3 Date of Prior Selerfransfer Price of Prior Salerriansfer Data Sources Cumberland Co Tax Records Cumberland Co Tax Records Cumberland Co Tax Records Cumberland Co Tax Records Effective Date of Data Sources 11/14/2014 11/14/2014 11/1412014 1 11/1412014 Analysis of prior sale or transfer history of the subject property and comparable sales Search criteria for the subject did not reveal any prior sales for the subject In the past three Years. Search criteria did not reveal any prior sales for the comparables for the past 12 months. Summary of Sales Comparison Approach. The appraiser relied upon CPML Multi List to provided comparable sales and active listings from within the subject's market area. The appraiser performed a search focusing on sales and activelpendina listings from within the subject's immediate neighborhood boundaries where the appraiser found several properties considered relevant to the subject property and the appraisal report.Detailed searches including parameters A e Style,GLA Site etc from within the mentioned Multi List would result in a lack of data due to said information not bein reported accurately by local agents. The appraiser must perform more broad searches in order to be assured that all relevant data is found and reported. Most weight was alven to comparable#2 as it is considered the most probable value of the subject property,as of the effective data of the appraisal report. Indicated Value by Sales Comparison Approach$62,000 Indicated Value by: Sales Comparison Aroach s62000 Cost Approach if developed)$64000 Income Approach if develo d)$0 Subject is an owner occupied type dwelling,therefore there is no correlation between the sub ect's current market value and the Income Approach.The cost approach is considered to be misleading when used for homes of this age,as new construction properties would have no Impact on the subject's current market value. This appraisal is made 'as is; U subject to completion per plans and specifications on the basis of a hypothetical condilfDn that the improvements have been completed, ®subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed,or p subject to the following required . Inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: At the time of the Inspection,due to the following repairs,the subject property did not meet minimal FHA/HUD guidelines per HUD Handbook 4905.18 41502, SEE ATTACHED ADDENDUM. ' Based on a complete visual Inspection of the interior and exterior areas of the subject property,defined scope of work,statement of assumptions and limiting conditions,and appraiser's certification,my(our)opinion of the market value,as defined,of the real property that is the subject of this report is$ 62,DOD .sof 1 1/1 412 01 4 which is the data of Inspection and the effective date of this appraisal. Fndde Ma Form 70 Manic 2005 UADVanimr92011 PraducedusMq Aamm„m.r00121,a727.w,,aamb— Fark Mae Fam 1001 Marco 2005 Page 206 1004JKUAD07222014 Real Estate Valuations Advisors 4462263764703 Uniform Residential Appraisal Report File No. 18936814 Clarification of Intended Use and intended User: The Intended User of this appraisal report is the Lender/Client and FHAMUD.The Intended Use is to evaluate the property that is the subject of this appraisal for a mortgage finance transaction subject to the stated Scope of Work purpose of the appraisal,reporting requirements of this appraisal report form and Definition of Market Value.No additional intended Users are identified by the appraiser. The extent of the services rendered in this assignment encompass all the activities considered necessary to fulfill the common sense and ethical responsibilities in developing a report that Is accurate ob ective and an unbiased o inion of value for the subject property.These activities include: collecting data regarding the physical sub ect property,the comparables,the general neighborhood and market area trends and influences. The appraiser made reasonable efforts to review the relevant multiple listing service and courthouse records for the subject and the comparables used in this appraisal report.In the case of conflicting information every effort was made to Identify and use the most accurate information.ff a reasonable degree of Integrity could not be Implied,It is possible that a comparable could be disregarded.This potential for disregard of a comparable based on insufficient conflicting or missing data could understandably cause an otherwise very ood relevant comparable not to be used. The appraiser assumes that there are no structural defects hidden by floor or wall coverings,or any other hidden or unapparent conditions of the roe •that all mechanical equipment and appliances are in good working condition;and that all etectdcal components and the roof are in satisfactory condition. If the Client has questions refiarding these items it the Client's responsibility to order the appropriate Inspections. The appraiser does not have the skills or expertise needed to make such inspections. The appraiser assumes no responsibility for these items. The sub act's appraised value is less then the predominate neighborhood range. The sub ect is not considered an under4m rovement and the redominate neighborhood range has no adverse affect on the subject's marketability, The subject property is over twenty ears old and has been maintained and/or updated over the years. It Is marketable in it's present condition. The effective age is not within 5 years due to regular maintenance and/or updates of the property. The appraiser has prepared this appraisal in full compliance with applicable Appraiser Independence Requirements and has not performed,padicipated in or been associated with any activity in violation of those requirements, Tracy Sammons has performed appraisal assistance Including data entry on the appraisal report, as well as verified through courthouse records and/or ants involved the comparables ultimately provided by the appraiser.This assistance is subject to final reconciliation by the principala raiser signing the appraisal report. '.x--t;',rc:.d1.;..._s' c;'COST APPROACH TOVALUE'(notre ulredb FannfeMae .'i'`+:'.t:s"5+•.•..• "-''*'T:ytu�,s'?',°.+ Provide adequate information for the tender/client to replicate the below cost figures and calculations. Support for the opinion of site value(summary of comparable land sales or other methods for estimating she value) Opinion of site value is based on the allocation method as there was a lack of viable market data to determine an opinion of site value.Estimated land value exceeds 30%of the total property value.The land to value ratio is!Xpical of the neighborhood and is consistent with other properties in the subject's market area The higher land value does not have an adverse affect on the subject's resent value or future marketability. ESTIMATED Lj REPRODUCTION OR W REPLACEMENT COST NEW OPINION OFSITE VALUE........................................=E 21.080 Source of cost data Will Construction Cost Dwelling 869 Sq.Ft.d8 s 59...........=$ 51,271 Quality rating from cost service New Effective date of cost data 2014 Bsmt:491 Sq,FL Cm S 1Q..,........=$ 4,910 Comments on Cost Approach mss living area calculations,depreciation,etc. Appliances/Porches 3,000 32 YEARS OF REMAINING ECONOMIC LIFE Garacie/Carport 0 Sq,FL 0 S 17............=s 0 SEE ATTACHED SKETCH ADDENDUM FOR SKETCH AND SQUARE AND Total Estimate or Cost-New ............=$ 59,181 FOOTAGE CALCULATIONS. Less 50 Physical Functional External DEPRECIATION-AGEA.IFE METHOD.IF THE COST APPROACH WAS Depreciation $21305 =S 21305 APPLICABLE THE MARSHAL AND SWiFT COST HANDBOOK OR LOCAL Depreciated Cost of improvements................................=$ 37,876 CONSTRUCTION COST AS A GUIDE FOR THE ESTIMATED "As-is'Value of Site Improvements................................=S 5 000 REPRODUCTION COST. Estimated Remaining Economic Life HUD and VA ons 32 Years INDICATED VALUE 6Y COST APPROACH...................... -S 64,000 t'u•-'""'';"'INCOME APPROACH TOVALUE(notr�uireib FannieMae) - _ •''f':"i?+:tom'.,",iA;+``'"*'.c...;': Estimated Monthly Market Rent S 0 X Gross Rent Multiplier 0 =S 0 Indicated Value by income Approach Summary of Income Approach(including support for market rent and GRM) -n--PROJECT INFORMATION FOR PUD, Is the develo eribullderincontroloftheHomeowners'Association HOA? Yes No Unitt es Detached Attachod Provide the following information for PUDs ONLY If the developerlbuilder Is in control of the HOA and the subject property Is an attached dwelling unit. Legal name of project Total number of phases Total number of units Total number of units sold Total number of units rented Total number of units for sale Data source(s) Was the eroject created by the conversion of an exists bulldin s into a PUD? Yes No If Yes,date of conversion. Does the ea contain a multi4welli units? YesI NoData source s Are the units,common elements,and recreation facilities complete? Yes No If No,describe the status of completion. Are the common elements leased to or by the Homeowners Associallon? Uyes UNo if Yes,describe the rental terms and options. Describe common elements and recreational facilities. FmMe Mae Form 70 Maus 2005 UAD Verson 912011 Pmka 4Weg A7 u*—eooMAnrww.arnmmm F-*Alan Form toot Mamh 2005 Page tun i 1004 MUAD07222014 4462263764703 Uniform Residential Appraisal Report File No.16936614 This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit;including a unit in a planned unit development(PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work,Intended use,intended user,definition of market value,statement of assumptions and limiting conditions,and certifications. Modifications,additions,or deletions to the intended use,intended user, definition of market value,or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certifications are also not permitted. However,additional certifications that do not constitute material alterations to this appraisal report,such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization,are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form,including the following definition of market value,statement of assumptions and limiting conditions,and certifications. The appraiser must,at a minimum:(1)perform a complete visual inspection of the interior and exterior areas of the subject property,(2)inspect the neighborhood,(3)inspect each of the comparable sales from at feast the street,(4)research,verify,and analyze data from reliable public and/or private sources,and(5)report his or her analysis, opinions,and conclusions in this appraisal report. y INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the tender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale,the buyer and seller,each acting prudently,knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby:(1)buyer and seller are typically motivated;(2)both parties are well informed or well advised,and each acting in what he or she considers his or her own best interest;(3)a reasonable time is allowed for exposure in the open market;(4)payment is made in terms of cash in U.S.dollars or in terms of financial arrangements comparable thereto;and(5)the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions'granted by anyone associated with the sale. 'Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area;these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third 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 ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it,except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency(or other data sources)and has Emoted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser Is not a surveyor,he or she makes no guarantees,express or implied,regarding this determination, 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand,or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions(such as needed repairs,deterioration,the presence of hazardous wastes,toxic substances,etc.)observed during the inspection of the subject property or that he or she became aware of during the research involved in performing this appraisal, Unless otherwise stated in this appraisal report,the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property(such as,but not limited to, needed repairs,deterioration,the presence of hazardous wastes,toxic substances,adverse environmental conditions,etc.)that would make the property less valuable,and has assumed that there are no such conditions and makes no guarantees or warranties,express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards,this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion,repairs,or alterations on the assumption that the completion,repairs,or alterations of the subject property will be performed in a professional manner, Fns Mac Forth 70 Mmh ZM .UADVe bn9re011 Am t9lAFa,e7V wa Ad.a — Fattie Mas Fpm 1904 Mmpr2005 Paye 4 d6 1001 059AD072=4 4462263764703 Uniform Residential Appraisal Report' File No. 18936614 22. i am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further,I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower,another lender at the request of the borrower,the mortgagee or its successors and assigns,mortgage insurers, government sponsored enterprises,and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any 06 or more of these parties. 24. If this appraisal report was transmitted as an'electronic record"containing my"electronic signature,"as those terms are defined in applicable federal and/or state laws(excluding audio and video recordings),or a facsimile transmission of this appraisal report containing a copy or representation of my signature,the appraisal report shall be as effective,enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s)contained in this appraisal report may result in civil liability and/or criminal penalties including,but not limited to,fine or imprisonment or both under the provisions of Title 16,United States Code,Section 1001,et seq.,or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment,have read the appraisal report,and agree with the appraiser's analysis,opinions,statements,conclusions,and the appraiser's certification. 2. i accept full responsibility for the contents of this appraisal report including,but not limited to,the appraiser's analysis, opinions,statements,conclusions,and the appraiser's certification. 3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser(or the appraisal firm),is qualified to perform this appraisal,and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an'electronic record'containing my"electronic signature,"as those terms are defined in applicable federal and/or state laws(excluding audio and video recordings),or a facsimile transmission of this appraisal report containing a copy or representation of my signature,the appraisal report shall be as effective,enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER SUPERVISORY APPRAISER(ONLY IF REQUIRED) Signature Signature Name Michael P.McCauley Name Company Name Real Estate Valuation Advisors Company Name Company Address 1424 Wellgate Lane Company Address Mechanicsburg,PA 17050 Telephone Number 717-790-1501 Telephone Number Email Address reva.accounts(a)comcast.net Email Address Date of Signature and Report 1112012014 Date of Signature Effective Date of Appraisal 11/14/2014 State Certification# State Certification#RL003411L or State License# or State License# State or Other(describe) State# Expiration Date of Certification or License State PA Expiration Date of Certification or License 46i30015 ADDRESS OF PROPERTY APPRAISED SUBJECT PROPERTY 216 Susquehanna Ave Q Did not inspect subject property Enol'PA 17025 0 Did inspect exterior of subject property from street Date of Inspection APPRAISED VALUE OF SUBJECT PROPERTY$62,000 0 Did inspect interior and exterior of subject property Date of inspection LENDER/CLIENT Name ServlceUnk COMPARABLE SALES Company Name CU Members Mortgage,a div of Cglonlal Savings ❑Did not inspect exterior of comp§irabie sates from street Company Address 2626 West freeway Bldg A 0 Did inspect exterior of comparable sales from street Fort Worth TX 76102 Date of Inspection Email Address NIA FM*i7 Mae F-70V—h2005 UADV.r*.9r2011 ft*od.*VA0 wawpe,a 19D1.91i2.rrwx2,ee,am Ferre Mee Farm 1091 Martfi 2005 PMM 6d0 1001_OSUAD0722201+ Real Estate Valuations Advisors 4462263764703 Uniform Residential Appraisal Report File No. 18936814 i URE SUBJECT COMPARABLE SALE NO.4 COMPARABLE SALE NO.5 COMPARABLE SALE NO.6 21ehanna Ave 507 State St 24 E Columbia Rd 319 Market St Addola PA 17025 Enola,PA 17025 Enola,PA 17025 New Cumberland PA 17070 Proubject e:?'d. 4 " 1.19 miles SSE 0.07 miles N 5.82 miles SE SalS 60100 :. S 88 500 `� a.i1 ` E 54 900 : _ ' E 86599 Saless Liv.Area 5 69.16 s.ft. E 80.90 s.ft. F-s;�a��$�;a?+E 58.16 s.tt 4 'Y' r}?? S 95.48 s.ft.Dat °i CPML#10252525'DOM 31 CPML#10261303;DOM 17 CPML#10257156'DOM 108 Veriources) r" u =- Cumberland Count Tax Records Cumberland Count Tax Records Cumberland Count Tax Records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION ()5Ad ab„an DESCRIPTION ()SAd m DESCRIPTION f-)SAd'us77nen1 Sale or Financing 6 -� Arml-th Listing Listing Concessions Conv'5310 0 Date of Sale/Time WAMV 's08/14•cO6/14 Active -1098 Active -1731 Location N•Res' N;Res; N'Res' N•Res• Leasehold/Fee Simple Fee Simple Fee Simple Fee Simple Fee Simple Site 6970 sf 4356 sf 0 3485 sf 0 871 sf 0 View N•Res• N•Res N•Res• N•Res• Design(Style) SD2•Semi Detached SD2'Semi Detached SD2•Semi Detached SD2•Semi Detached Quality of Construction Q4 Q4 04 04 Actual Age 114 88 0 94 0 114 Condition C3 C3 C3 C3 Above Grade Total Illd—I Baths To1e1 I lid—I Baths 0 Tmal I Bdmrs. Ba7hs Tidal IBdmrs Ba9rs 0 Room Count 5 1 2 1 1.0 6 1 3 1 1.1 -500 5 1 2 1 1.0 4 1 2 1 1.0 0 Gross Living Area 15 869 sq.ft. 1,094 sq.ft. -3,375 944 sq.ft. -1,125 907 sq.It. 0 Basement&Finished 4910sfin 600sfOsffn 0 392sfOsftn 0 Osf 4,329 Rooms Below Grade Functional Utility Averwe Average Average Average Heating/Cooling Ad /Central Ad /Central Ad Mone 2,000 Ad Mone 2,000 Energy Efficient Items None None None None Garage/Carport None None None None Porch/Patio/Deck Cov Frt Porch Cov Frt Porch Front Porch 1,000 Front Porch 1,000 Other Cov Patio Patio 1,000 Deck 1,000 Deck 1,000 Other None None None None Other None None None None Net Adjustment Total e a «c--r t.= s 2,875 E 1777 Is 6,598 • Adjusted Sate Price �� T Net Adj. 3.2% NetAdj. 3.2% NetAdj. 7.6% ofComarables � :.-. "' Gross Ad. 5.5% E 85,625 Gross Ad. 11.3% E 56,677 GrossAdj 11.6% S 93,197 ITEM SUBJECT COMPARABLE SALE NO.4 COMPARABLE SALE NO.5 COMPARABLE SALE NO.6 • Date of Prior SeleRransfer Price of Prior Safe/Transfer Data Sources Cumberland Co Tax Records Cumberland Co Tax Records I Cumberland Co Tax Records Cumberland Co Tax Records • Effective Date of Data Sources 11/14/2014 11/14/2014 11/14/2014 11/14/2014 Summary of Sales Comparison Approach Frwkrm Mac Fmm 70 Mamh 2005 UAO Verson 912011 PmWced WN Act wft—BO0134.0721 wme.anAtbmm Famla Mea Farm 1004 Wrch 2005 ,.05UA007222014 4462263764703 Uniform Residential Appraisal Report File No. 18936814 The purpose of this summary appraisal report Is to provide the tender/client with an accurate,and adequately supported,opinion of the market value of the subject property. Property Address 218 Susquehanna Ave city Enola State PA Zip Code 17025 Borrower Lisa Allen Owner or Public Record Oliver W.&Martha S.Allen County Cumberland Legal Description As Described in Dead Book:16C Page:523 Assessor's Parcel a 0914083219 Tax Year 2014 R.E.Taxes S 1,439 Nei hborhood Name East Pennsboro TownshipMa Reference 09140832129 Census Tract 0101.00 rx Occu Owner LJTenam HVacant Special Assessments S 0 PUD HOA S 0 per Year per month F o ert Ri hts A raised Fee Sim le Leasehold Other describesi nmem T e Purchase Transaction Refinance Transaction Other describender/Client CU Members Mortgage,a div of Colonial Savings Address 2626 West Freeway Bldg A Fort Worth TX 76102 Is the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraiser? OYe, MNo Report data source(s)used,offering price(s),and date(s). There was no listing history for the subject property within the past 12 monthsper CPML Multi List. I Wdid LJ did not analyze the contract for sale for the subject purchase transaction.Explain the results of the analysis of the contract for sale or why the analysis was not performed. Estate sale•The subject property is currently under contract as of 11/0512014. Contract Price S 60,100 Date of Contract 11/05/2014 Is the property seller the owner of public record?- Yes No Data Sources Courthouse Is there any financial assistance(loan charges,sale concessions,gift or downpayment assistance,etc.)to be paid by any party on behalf of the borrower? WYes LJNo If Yes,report the total dollar amount and describe the Items to be paid. 2000"Sellers paying a portion of the buyers closing cost is considered to be common and typical for the subject's market area up to 6%.This has no affect on the subject's current value or future marketability. Note:Race and the racial composition of the neighborhood ere not appraisal factors. ;l ^-:Neighborhood Cherecierlatics^' r >i ` .< - One-Unit HousingTrends:.. :Nzvi,.' 'One-Unit Housing� 11,1-Present Land Use% Location Urban Suburban Rural Propen Values Ulncreasinq Slable LJ Declining PRICE AGE One-Unit 80% Built-UOver 75% 25-75% Under 25% Demand/Su Shona In Balance Over Su S(000) s 2-4 Unit 5% Growth Rapid W Stable I ISlow Marketin Time WUnder3mths LJ 3.6 mths LJ Over 6 mths 20 Low 0 Muhi-Famil5% Neighborhood Boundaries North:Cumberland County Line South:Camp Hill Borough,East:Susquehanna 875 High 187 Commercial 5% River West:Hampden Township. 147 Pied. 37 Omer EdMr 5% Neighborhood Description The sub eat is located in East Pennsboro Township and East Pennsboro School District. Employment is stable in the count and is one of the hi hest In the state.The"Other"presentland uses of Education and Worship are common andtypicaland have no adverse affect on the sub ect's marketability. Market Conditions[including support for the above conclusions) The averagetimeof a listing is 80 da s and has a median sales price of$154,950,within the past 12 months as per MLS. The market appears to be stable in activity with no major increasing or decreasing values based on the sales history of ALL sales within the sub act's net hborhood within the past 12 months. Dimensions Deed not supplied Area 6970 sf Shape Irregular View N•Res' Specific tonin ClassIII cation RHD Zoni Descri tion Residential Hi h Densit ZoningCompliance Le al Legal NonconformingGrandlathered Use) No Zoni Ill!al describe Is the highest and best use of the subject property as improved(or as proposed per plans and specifications)the present use? WYes LJNo If No,describe. Utilities Public Other(describe) Public Other describe Off-site lm provernents—Type Private Electricity Water Street Asphalt _ Gas U W Oil SanitarySewer LJ Alley None Li H FEMA Special Flood Hazard Area UYes WNo FEMA Flood Zone X FEMA Map d 42041C0116E FEMA Map Date 03/16=9 Are the utilities and off-site improvements typical for the market areal WYes No If No,describe. Are there arty adverse site conditions or external factors(easements,encroachments,environmental conditions,land uses,etc.)? OYes WNo If Yes,describe. t.3 ice GENERAL DESCRIPTION FOUNDATION s EXTERIOR DESCRIPTIONVinateralslcondition INTERIOR".'.i vmaterialik6ndilior Units X One LJ One with Acce. Unit Concrete Slab Crawl Space Foundation Walls Cone Stone/Avg Floors Hw/Vin I/AV i of Stories 2 WFullBasement LJPardal Basement Exterior Walls Frame/Avg Wants Plaster/Avg Type Det. LJAIt. S-DeldEnd Unit Basement Area 491 sq.n. Roof Surface Shin Ie/Av Trim/Finish Wd/Pnt/AY Existing Pro osed UUnderConst. Basement Finish 0% Gutters b Downs uts Alum/Avg Bath Fluor Vin I/AV Desi n(Style)Semi Detached U Outside Ent /Exit U Sump Pump Window Type Oble Hung/Avg Bath Wainscot Plaster/AV Year Built 1900 Evidence of UlnIestation Storm Sesh/Insulated Thermo/Ava Car Storage W None Effective Age Yrs 18 Dem ness Settlement Screens Exis!no/Ava LJ Driveway f of Cars 0 Attic I lNone Hearing X FWA HWBB Radiant Amenities WoodStove s x0 Driveway Surface Drop Stair LJ Stairs Other I Fuel Oil A Fireplace(s)10 J Fence None Garage 0 of Cars 0 LJ Floor X 1 Scuttle Conlin Central Air Condkionin ralDeck PaCOY Porch COV Carport I of Cars 0 Finished Heated Individual Other Pool None Other None AIL Det. Built-in A liances Refd erator Ra cloven Dishwasher Dls osal Microwave Washer/D er Other describe Finished area above grade contains: 5 Rooms 2 Bedrooms 1.0 Bath 5 869 Square Feet of Gross LivingArea Above Grade Additional features(special energy efficient items,etc.). None Noted. Describe the condition of the property(including needed repairs,deterioration,renovations,remodeling,etc.). C3'No Updates in the prior 15 ears'The subject Ba*t0 be In overall aver a condition with normal wear and tear for this a of home.Per homeowner:Roof 2 ears old 2008 new as hot water heater,2009 new windows 2011 new sump pump.The roof appears to be In average condition with no apparent leaks.The subject has no Functional Inadequacies. No external Inadequacies were observed. Are there any physical deficiencies or adverse conditions that affect the livability,soundness,or structural Integrity of the property? UYes No If Yes,describe. Does the property generally conform to the neighborhood(functional utility,style,condition,use,construction,etc.)? LMYes oNo If No,describe. Frtdit Mac Fame 70 Mann 200S UAO Version 971011 PM6d V ACn mtw e001N.aRt waw.enneemm Far&Mee F-100/Muh 2005 Page 1 of 1004 OSUAD07222014 4462263764703 Uniform Residential Appraisal Report File No. 18936$14 There are 1 comparable properties currently offered for sale in the subject nel hborhood ranging in price from S 54,900 to S 54,900 There are 5 comparable sales in the subject net hborhood within the past twelve months ran q no in sale price from z 44 00D to z 78,000 FEATURE SUBJECT COMPARABLE SALE NO.1 COMPARABLE SALE NO.2 COMPARABLE SALE NO,3 216 Susquehanna Ave 211 Clay Ave 1437 3rd St 209 Abolition St Address Enote PA 17025 Enota PA 17025 Enoia PA 17025 Enota PA 17025 Proximity to Subject - r+ L; 1.50 miles SSE 1.38 miles SSE 1.41 miles SSE Sale Price z 60,100 ,''r c z 67,000 _ Is 61,600 Y'4*,-`Jl�r. ';:'.- z 78,000 Sale PricetGross Liv.Area z 69,16 sq.n, z i 56.55 sq.fl.I"' t S 59.13 sq.ft.1 69.15 SQ,rL I :1!"e'' Data Source(s) CPML#10245138;DOM 52 4 CPML#10240471•DOM 101 CPML#10245084•DOM 121 Verification Sources ,' _;.a Cumberland County Tax Records Cumberland County Tax Records Cumberland Count Tax Records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION S A4WAmsV DESCRIPTION (-}5 DESCRIPTION 4)sA n Sale or Financing }�'' r,' "' ArmLth Arml-th Arml.th Concessions I�' ._" �'F FHA;3420 0 ConvO Conr2344 0 Date of SatelTime r`.':.s. -,: `.V: s02114•e12/13 s01/14•c10113 s04114•c02114 Location N•Res• N•Res• N•Res• N•Res• Leasehold/Fee Simple Fee Sim le Fee Sim ple Fee Simple Fee Simple Site 6970 sf 1742 sf 0 1742 sf 0 5227 sf 0 View N•Res• N•Res• N'Res• N•Res• Design(Style) SD2Beml Detached SD2•Semi Detached SD2•Semi Detached SD2•Semi Detached Quality of Construction 04 04 04 04 Actual Age 114 114 94 0 114 Condition C3 C3 C3 C3 Above Grede Total adm s snots Toml likkerri east rdd tans aamt 0 Taar laaaaal auras 0 Room Count 5 1 2 1 1.0 5 1 2 1 1.0 6-13 1 1.0 0 6 1 3 1 1.0 0 Gross Livinci Area 15 869 sq.fl. 1,008 sq,ft. -21085 1,040 sq.ft. -2.565 1,128 sq,ft. -3,885 Basement&Finished 491sfOsfin 37200sfin 0 429sfDsfin 0 564sfOsffn 0 Rooms Below Grade Functional Lititty Averaqe AveraQ9 Average Average HeatinglCooling AclegirCentral AdegNono 2,000 Ad /None 2,000 AdephiNone OQ0 Energy Efficient Items None None None None Gars elCar on None None None None PorcilPadodDeck Coy Frt Porch Front Porch 1,000 Cov Frt Porch Coy Frt Porch Other Coy Patio Patio 1,000 Patio 1,000 Patio t 000 Other None None None None Other None None None None Net Adjustment otai ts,+:'; '.r?<x:i•=:? + Is 1,915 s al U. S 885 Sale Net j. Net 0. oECuomdarablesiCe1 ItirsoGossdAd'. 10.7% z 58915 Gross 9.0% z 61935 Gossdj . $.$% f 77115 i did U did not research the sate or transfer history of the subject property and comparable sates,If riot.explain M research did did not reveal any prior sates or transfers or the sub"ea property for the three years prior to the effective date of this appraisal. Data sources Cumberland County Tax Records M research did did not reveal an for sales or iransr--s of the comparable sates for the year Prfor to the date of sale of the comparable sale. Data sources Cumberland County Tax Records Report the results of the research and analysis of the offer sale or transfer h tory of the subject property and cam arable sales(report additional prior sales on a e 3. ITEM SUBJECT COMPARABLE SALE NO.1 1 COMPARABLE SALE NO.2 COMPARABLE SALE NO.3 Date of Prior Sale/Transfer Price of Prior Salerriansfer Data Sources Cumberland Co Tax Records Cumberland Cc Taut Records Cumberland Co Tax Records Cumberland Co Tax Records Effective Date of Data Sources 1111412014 11/1412014 11/1412014 1111412014 Analysis of prior sale or transfer history of the subject property and comparable sales Search criteria for the subject did not reveal any prior sales for the subject in the past three years. Search criteria did not reveal any prior sales for the comparables for the past 12 months. Summary of Sales Comparison Approach. The appraiser relied upon CPML Multi List to provided comparable sales and active listings from within the sub ect's market area,The appraiser performed a search focusing on sales and active/pending active/pendinglistings from within the subject's immediate neighborhood boundaries where the appraiser found several properties considered relevant to the subject property and the appraisal report.Detailed searches Includingi parameters Age,Style,Cat.A Site etc from within the mentioned Multi List would result in a lack of dais due to said Information not being reported accurately by local agents, The appraiser must perform more broad searches in order to be assured that all relevant data is found and reported. Most weight was given to comparable#2 as it is considered the most probable value of the subject property,as of the effective date of the appraisal report. Indicated Value by Sales Comparison Approach S 62,00D Indicated Value by: Sates Comparison Aoath$62000 CostA roachpfdeveio ed)S 64,000 Income Approach if developed)$0 Subject is an owner occupied type dwelling,therefore there is no correlation between the subject's current market value and the Income Approach,The cost approach Is considered to be misleading when used for homes of this age,as now construction properties would have no Impact on the sub•act's current market value. This appraisal is made "as is' 0 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,of ❑subject to the following required inspectian based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: At the time of the inspection,due to the following repairs,the subject property did not meet minimal FHA/HUD guidelines per HUD Handbook 4905.1&4150.2. SEE ATTACHED ADDENDUM, • Based on a complete visual inspection of the Interior and exterior areas of the subject property,defined scope otwork,statement of assumptions and limiting conditions,and appraiser's certification,my(our)opinion of the market value.as defined,of the mat property that is the subject of this report is S 62,000 .sof 11114QO14 which is the date of inspection and the effective date orthisappraisal. Freddie Marc 1-70 M.02905 UADV-'-9/2011 Pmaxedv*V tip ra9rrare,9992NA72)nwaAo b= Femb M.Fwm 1004 Much ZOOS v PV 2 d 6 1001 DSaMo7iII014 Real Estate Valuations Advisors 4462263764703 Uniform Residential Appraisal Report File No. 18936814 Clarification of Intended Use and Intended User: The intended User of this appraisal report is the Lender/Client and FHA/HUD.The Intended Use is to evaluate the property that Is the subject of this appraisal for a mortgage finance transaction subject to the stated Scope of Work purpose of the appraisal,reporting requirements of this appraisal report form and Definition of Market Value.No additional Intended Users are identified by the appraiser. The extent of the services rendered in this assignment encompass all the activities considered necessary to fulfill the common sense and ethical responsibilities in developing areort that is accurate objective and an unbiased opinion of value for the sub'ect property.These activities include: collecting data regarding the physical subject property,the comparables,the general neighborhood and market area trends and influences, The appraiser made reasonable efforts to review the relevant multiple listing service and courthouse records for the subject and the comparables used in this appraisal report.In the case of conflicting information every effort was made to identify and use the most accurate information.If a reasonable degree of Integrity could not be implied,it is possible that a comparable could be dis arded.This potential for distrenard of a comparable based on insufficient conflicting or missing data could understandably cause an otherwise very good relevant comparable not to be used. The appraiser assumes that there are no structural defects hidden by floor or wall coverings,or any other hidden or unapparent conditions of the Property;that all mechanical equipment and appliances are in good working condition•and that all electrical components and the roof are in satisfactory condition. If the Client has questions regarding these items it the Client's responsibility to order the appropriate inspections. The appraiser does not • have the skills or expertise needed to make such Inspections. The appraiser assumes no responsibility for these items. The subject's appraised value is less then the predominate neighborhood range. The subject is not considered an under-improvement and the • redominate neighborhood range has no adverse affect on the sub ect's marketability. The subject property Is over twenty ears old and has been maintained and/or updated over the years. It is marketable in it's present condition. The effective age is not within 5 years due to regular maintenance and/or updates of the property. The appraiser has prepared this appraisal in full compliance with applicable Appraiser Independence Requirements and has not performed,participated in or been associated with any activity in violation of those requirements. Tracy Sammons has performed appraisal assistance Including data entry on the appraisal report, as well as verified through courthouse records and/or ants involved the comparables ultimately provided by the appraiser. This assistance is subject to final reconciliation by the principala raiser signing the appraisal report. .'�.'rt't•-".1--�COST APPROACH TOVALUE(notre uiredb yFannieMae):'' Provide adequate information for the lender/client to replicate the below cost figures and calculations. Support for the opinion of site value(summary of comparable land sales or other methods for estimating site value) Opinion of site value is based on the allocation method as there was a lack of viable market data to determine an opinion of site value.Estimated land value exceeds 30%of the total property value.The land to value ratio is typical of the neighborhood and is consistent with other properties in the subject's market area.The higher land value does not have an adverse affect on the sub ecl's resent value or future marketability. ESTIMATED REPRODUCTION OR W REPLACEMENT COST NEW OPINION OF SITE VALUE.........................................$ 21,080 Source of cost data Local Construction Cost Dwelling 869 Sq.Ft.@$ 59............=S 51,271 Quality ratim from cost service New Effective dale of cost data 2014 Bsmt:491 Sq.Ft.@ S 10...........=$ 4,910 Comments on Cost Approach(gross living area calculations,depreciation,etc. Appliances/Porches 3,000 32 YEARS OF REMAINING ECONONAC LIFE Gara /Car at 0 Sq.Ft.@ S 17............=$ 0 • SEE ATTACHED SKETCH ADDENDUM FOR SKETCH AND SQUARE AND Total Estimate of Cost-New ............=$ 59,181 FOOTAGE CALCULATIONS. Less 50 Physical FunctgnalExternal DEPRECIATION-AGE/LIFE METHOD.IF THE COST APPROACH WAS Depreciation $21305 1 =$ 21305 APPLICABLE THE MARSHAL AND SWIFT COST HANDBOOK OR LOCAL Depreciated Cost of Improvements................................=$ 37,876 CONSTRUCTION COST AS A GUIDE FOR THE ESTIMATED 'As-is•Value of Site improvements................................=$ 5,000 REPRODUCTION COST. Estimated Remaining Economic Life HUD and VA only) 32 Years INDICATED VALUE BY COST APPROACH...................... =S 64,000 `Aur'_-7-k.1 :1%.�"r:. ;.;S% 5".,Tf• "3t`; INCOME APPROACH TOVALUE(not r uIred by Fannie Mae)'r'`?',s4.v'F�'f'M`:3=f_:`a'.•'"}-`\1.4�" l'+u�`•" 'L"r1'S!�"" • Estimated Monthly Market Rent S 0 x Gross Rent Multiplier 0 -S 0 Indicated Value by Income Approach Summary of Income Approach(including support for market rent and GRM) {,,'PROJECTINFORMATIONFOR PUDs(ife Iicable) Is the develo eribuilder in control of the Homeowners'Association(HOA)7 Yes No Unit t e s Detached Attached Provide the followinq information for PUDs ONLY if the develo erlbuilder is in control of the HOA and the subject property is an attached dwelling unit. Legal name of project Total number of phases .Total number of units Total number of units sold • Total number of units reined Total number of units for sale Data source(s) Was the project created by the conversion of an exist! build! )Into a PUD? Ljyes LjNo II Yes,date of conversion. Does the project contain any multl•dwellin units? Yes ONo Data sources Are the units,common elements,and recreation facilities complete? UYes No If No,describe the status of completion. Are the common elements leased to or by the Homeowners Association? LJ Yes Lj No If Yes,describe the rental terms and options. Describe common elements and recreational facilities. Frefte Mac Frohn 70 hU fi 200S UAD VeNgl812011 PM.U./ACI when.A001NdR7—..Wlb— Fame Alae Fpm 1001 Manfi 2005 PrF 3.16 W0/05UADD7772014 4462263764703 Uniform Residential Appraisal Report Fie No. 16936814 This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit;including a unit in a planned unit development(PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work,Intended use,intended user,definition of market value,statement of assumptions and limiting conditions,and certifications. Modifications,additions,or deletions to the intended use,intended user, definition of market value,or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to the certifications are also not permitted. However,additional certifications that do not constitute material alterations to this appraisal report,such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization,are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form,including the following definition of market value,statement of assumptions and limiting conditions,and certifications. The appraiser must,at a minimum:(1)perform a complete visual inspection of the interior and exterior areas of the subject property,(2)inspect the neighborhood,(3)inspect each of the comparable sales from at least the street,(4)research,verify,and analyze data from reliable public and/or private sources,and(5)report his or her analysis, opinions,and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal for a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale,the buyer and seller,each acting prudently,knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby:(1)buyer and seller are typically motivated;(2)both parties are well informed or well advised,and each acting in what he or she considers his or her own best Interest;(3)a reasonable time is allowed for exposure in the open market;(4)payment is made in terms of cash in U.S.dollars or in terms of financial arrangements comparable thereto;and(5)the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions*granted by anyone associated with the sale. *Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area;these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third 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 ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it,except for information that he or she became aware of during the research involved in performing this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency(or other data sources)and has noted in this appraisal report whether any portion of the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor,he or she makes no guarantees,express or implied,regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand,or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions(such as needed repairs,deterioration,the presence of hazardous wastes,toxic substances,etc.)observed during the inspection of the subject property or that he or she became aware of during the research involved in performing this appraisal. Unless otherwise stated in this appraisal report,the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property(such as,but not limited to, needed repairs,deterioration,the presence of hazardous wastes,toxic substances,adverse environmental conditions,etc.)that would make the property less valuable,and has assumed that there are no such conditions and makes no guarantees or warranties,express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards,this appraisal report must not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion,repairs,or alterations on the assumption that the completion,repairs,or alterations of the subject property will be performed in a professional manner. FmMie Mx Fpm 70 Menet 2D05 UAD Vefoon 82011 P duced N V ACI wt. K00274AW w d wb. F*Mee Fpm 10D1 MwO 2005 Pe0e<uf 6 1001 D5UA0o7II70N 4462263764703 Uniform Residential Appraisal Report Foe No. 16936814 APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. 1 have,at a minimum,developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. 1 performed a complete visual inspection of the interior and exterior areas of the subject property.I reported the condition of the improvements in factual,specific terms.I identified and reported the physical deficiencies that could affect the livability, soundness,or structural integrity of the property. 3. 1 performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. 1 developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them,unless otherwise indicated in this report. 5. 1 researched,verified,analyzed,and reported on any current agreement for sale for the subject property,any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal,and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal,unless otherwise indicated in this report. 6. 1 researched,verified,analyzed,and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale,unless otherwise indicated in this report. 7. 1 selected and used comparable sales that are locationally,physically,and functionally the most similar to the subject property. 8. 1 have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. 1 have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject property and the comparable sales. 10. 1 verified,from a disinterested source,all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. 11. 1 have knowledge and experience in appraising this type of property in this market area. 12. 1 am aware of,and have access to,the necessary and appropriate public and private data sources,such as multiple listing services,tax assessment records,public land records and other such data sources for the area in which the property is located. 13. 1 obtained the information,estimates,and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. 1 have taken into consideration the factors that have an impact on value with respect to the subject neighborhood,subject property,and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions(such as,but not limited to,needed repairs,deterioration,the presence of hazardous wastes,toxic substances,adverse environmental conditions,etc.)observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value,and have reported on the effect of the conditions on the value and marketability of the subject property. 15. 1 have not knowingly withheld any significant information from this appraisal report and,to the best of my knowledge,all statements and information in this appraisal report are true and correct. 16. 1 stated in this appraisal report my own personal,unbiased,and professional analysis,opinions,and conclusions,which are subject only to the assumptions and limiting conditions in this appraisal report. 17. 1 have no present or prospective interest in the property that is the subject of this report,and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base,either partially or completely,my analysis and/or opinion of market value in this appraisal report on the race,color,religion,sex,age,marital status,handicap, familial status,or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding,written or otherwise,that I would report(or present analysis supporting)a predetermined specific value,a predetermined minimum value,a range or direction in value,a value that favors the cause of any party,or the attainment of a specific result or occurrence of a specific subsequent event(such as approval of a pending mortgage loan application). 19. 1 personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the preparation of this appraisal report,I have named such individual(s)and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in this appraisal report;therefore,any change made to this appraisal is unauthorized and 1 will take no responsibility for it. 20. 1 identified the lender/client in this appraisal report who is the individual,organization,or agent for the organization that ordered and will receive this appraisal report. 21. The tender/client may disclose or distribute this appraisal report to:the borrower;another lender at the request of the borrower, the mortgagee or its successors and assigns;mortgage insurers;government sponsored enterprises;other secondary market participants;data collection or reporting services;professional appraisal organizations;any department,agency,or instrumentality of the United States;and any state,the District of Columbia,or other jurisdictions;without having to obtain the appraiser's or supervisory appraiser's(if applicable)consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party(including,but not limited to,the public through advertising,public relations,news,sales,or other media). Fmddia Mac Fmm 70 Mann 2005 UAD V-4.92011 Pm*-d An ACI.ft-500.251b727 Bane b— Fame Mn Fm 1001 Mamh 2005 Page 5 d6 1001_050007=11 4462263764703 Uniform Residential Appraisal Report File No. 18936814 22. 1 am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further,I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower,another lender at the request of the borrower,the mortgagee or its successors and assigns,mortgage insurers, government sponsored enterprises,and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an"electronic record"containing my"electronic signature,"as those terms are defined in applicable federal and/or state laws(excluding audio and video recordings),or a facsimile transmission of this appraisal report containing a copy or representation of my signature,the appraisal report shall be as effective,enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s)contained in this appraisal report may result in civil liability and/or criminal penalties including,but not limited to,fine or imprisonment or both under the provisions of Title 18,United States Code,Section 1001,et seq.,or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. 1 directly supervised the appraiser for this appraisal assignment,have read the appraisal report,and agree with the appraiser's analysis,opinions,statements,conclusions,and the appraiser's certification. 2. 1 accept full responsibility for the contents of this appraisal report including,but not limited to,the appraiser's analysis, opinions,statements,conclusions,and the appraiser's certification. 3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser(or the appraisal firm),is qualified to perform this appraisal,and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an"electronic record"containing my"electronic signature,"as those terms are defined in applicable federal and/or state laws(excluding audio and video recordings),or a facsimile transmission of this appraisal report containing a copy or representation of my signature,the appraisal report shall be as effective,enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER SUPERVISORY APPRAISER(ONLY IF REQUIRED) Signature Signature Name Michael P.McCauley Name Company Name Real Estate Valuation Advisors Company Name Company Address 1424 Wellgate Lane Company Address Mechanicsburg,PA 17050 Telephone Number 717-790-1501 Telephone Number Email Address revaaccountsLacomcast.net Email Address Date of Signature and Report 11/20/2014 Date of Signature Effective Date of Appraisal 11/1412014 State Certification# . State Certification#RL003411L or State License# or State License# State or Other(describe) State# Expiration Date of Certification or License State PA Expiration Date of Certification or License 061.102015 ADDRESS OF PROPERTY APPRAISED SUBJECT PROPERTY 218 Susquehanna Ave ❑Did not inspect subject property Enola,PA 17025 ❑Did inspect exterior of subject property from street Date of Inspection APPRAISED VALUE OF SUBJECT PROPERTY$62,000 ❑Did Inspect interior and exterior of subject property Date of Inspection LENDER/CLIENT Name ServiceLink COMPARABLE SALES Company Name CU Members Mortgage,a div of Colonlel Savings ❑Did not inspect exterior of comparable sales from street Company Address 2626 West Freeway Bldg A ❑Did inspect exterior of comparable sales from street Fort Worth,TX 76102 Date of Inspection Email Address WA FMO,Mac F-70 M-h 2005 UAD V ntb 92011 P,.0 x "ACl,Dh—.8002N.e727 vmwewebmm Fable Mee Foran 1001 Marts 2005 Pape 601 im 05UA00tt2IDu Real Estate Valuations Advisors 4462263764703 Uniform Residential Appraisal Report File No. 18936814 FEATURE SUBJECT COMPARABLE SALE NO.4 COMPARABLE SALE NO.5 COMPARABLE SALE NO.6 218 Susquehanna Ave 507 State St 24 E Columbia Rd 319 Market St Address Enola PA 17025 Enola PA 17025 Enola PA 17025 New Cumberland PA 17070 Proximity to Subject i-'L 3_' " 1.19 miles SSE 0.07 miles N 5.82 miles SE Sale Price f 60,100 :" S 88,500 s 54,9D0 S-x " f 86,599 Sale PricetGross Liv.Area S 69.16 sq.it. s 80.90 s.ft. : s 58.16 s.i •t S 95.48 s . •.er Data Sources l L� +_ "",a+tt CPML#10252525;DOM 31^ CPML#10261303'DOM 17 CPML#10257156;DOM 108 Verification Source(s) -"'•Ai :? Cumberland County Tax Records Cumberland County Tax Records Cumberland County Tax Records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION I•)sad DESCRIPTION .f-sAd n DESCRIPTION .I-srw Sate or Financing IArml-th Listing Listing t5 r. . Concessions Conv-5310 0 ' Date of Salerrlme 1+ !'"+; s08/14'06/14 Active -1098 Active -1731 Location N'Res' N'Res' N'Res' N'Res• Leasehold/Fee Simple Fee Simple Fee Simple Fee Simple Fee Sim le Site 6970 sf 4356 sf 0 3485 sf 0 871 sf 0 View N•Res• N•Res' N•Res' N'Res' Design(Style) SD2•Semi Detached SD2'Semi Detached SD21Semi Detached SD2'Semi Detached Quality of Construction Q4 04 04 Q4 Actual A 114 88 0 94 0 114 Condition C3 C3 C3 C3 Above Grade Towd I BdIrml Bears Tafel I Bd,ms Baths O Tad B Bears Tawd 8dmrs Bears 0 Room Count 5 1 2 1 1.0 6 F3 F 1.1 .500 5 1 2 1 1.0 4 2 1.0 0 Gross Living Area 15 869 sq.It. 1,094 sq.It. -3,375 944 sq.h. -1,125 907 sq.ft. 0 Basement&Finished 491sfOsfin 600sfOsftn 0 3920sfin 0 Osf 4,329 Rooms Below Grade Functional Utility Average Average Average Average Heat Cooll Ad /Central Ad /Central Ad Mone 2.000 Ad Mone Z000 Energy EfriciemItems None None None None Gera a/Car on None None None None Porch/PaUo/Deck Coy Frt Porch Cov Frt Porch Front Porch 1,000 Front Porch 1000 Other Cor Patio Patio 1,000 Deck 1,000 Deck 1,000 Other None None None None Other I None I None INone None Net Adjustment(Total) s 2,875 s 1777 + S 6,598 • Adjusted Sale Price Net Adj. 3.2% Net Adj. 3.2% Nei Adj. 7.6% of Com arames + >• y. Gross Ad'. 5.5% S 65 625 Gross Ad. 11.3% s 56,6771 Gross 11.6% S 93197 ITEM SUBJECT COMPARABLE SALE NO.4 COMPARABLE SALE NO.5 COMPARABLE SALE NO.6 • Date of Prior Sale/Transfer Price of Prior Sale/Transfer Data Sources Cumberland Co Tax Records Cumberland Co Tax Records Cumberland CO Tax Records I Cumberland Co Tax Records . Effective Date of Data Sources 11/142014 11/14/2014 11/14/2014 11/14/2014 Summary of Sales Comparison Approach Freddie Mx F..70 Merar 2005 UA0veMon8F1811 ft&Rd u¢yACr wlh.•e.M0271.8121 .—b— Farms Mee Fwa1004M,h MS 4462263764703 Uniform Appraisal Dataset Definitions File No. 18936614 Condition Ratings and Definitions C1 The improvements have been very recently constructed and have not previously been occupied.The entire structure and all components are new and the dwelling features no physical depreciation.' 'Note:Newly constructed improvements that feature recycled materials and/or components can be considered new dwellings provided that the dwelling Is placed on a 100%new foundation and the recycled materials and the recycled components have been rehabilitated/re-rnanufachrred into like-new condition.Recently constructed improvements that have not been previously occupied are not considered'new'if they have any significant physical depreciation(1.e.,newly constructed dwellings that have been vacant for an extended period of time without adequate maintenance or upkeep). C2 The Improvements feature no deferred maintenance,little or no physical depreciation,and require no repairs.Virtually all building components are new or have been recently repaired,refinished,or rehabilitated.All outdated components and finishes have been updated and/or replaced with components that meet current standards.Dwellings in this category either are almost new or have been recently completely renovated and are similar In condition to new construction. 'Note:The Improvements represent a relatively new property that is well maintained with no deferred maintenance and little or no physical depreciation,or an older properly that has been recently completely renovated. C3 The Improvements are well maintained and feature limited physical depreciation due to normal wear and tear.Some components,but not every major building component,may be updated or recently rehabilitated.The structure has been well maintained. 'Note:The improvement is in its first-cycle of replacing short-lived building components(appliances,floor coverings,HVAC.etc.)and is being well maintained.Its estimated effective age is less than its actual age.It also may reflect a property in which the majority of short-lived building components have been replaced but not to the level ofa complete renovation. C4 The Improvements feature some minor deferred maintenance and physical deterioration due to normal wear and tear.The dwelling has been adequately maintained and requires only minimal repairs to building components/mechanical systems and cosmetic repairs.All major building components have been adequately maintained and are functionally adequate. 'Note:The estimated effective age may be close to or equal to its actual age.It reflects a property in which some of the shondfved building components have been replaced,and some short-lived building components are at or near the end of their physical life expectancy:however,they still function adequately.Most minor repairs have been addressed on an ongoing basis resulting In an adequately maintained properly. C5 The Improvements feature obvious deferred maintenance and are in need of some significant repairs.Some building components need repairs,rehabilitation,or updating.The functional utility and overall livability is somewhat diminished due to condition,but the dwelling remains useable and functional as a residence. 'Note:Some significant repairs are needed to the improvements due to the lack of adequate maintenance.It reflects a property in which many of its short-lived building components are at the end of or have exceeded their physical life expectancy but remain functional. C6 The improvements have substantial damage or deferred maintenance with deficiencies or defects that are severe enough to affect the safety,soundness,or structural integrity of the improvements.The Improvements are In need of substantial repairs and rehabilitation,Including many or most major components. 'Note:Substantial repairs are needed to the improvements due to the lack of adequate maintenance or property damage.It reflects a properly with conditions severe enough to affect the safety,soundness,or structural integrity of the Improvements. Quality Ratings and Definitions Q1 Dwellings with this quality rating are usually unique structures that are Individually designed by an architect for a specified user.Such residences typically are constructed from detailed architectural plans and Specifications and feature an exceptionally high level of workmanship and exceptionally high-grade materials throughout the interior and exterior of the structure.The design features exceptionally high-quality exterior refinements and ornamentation,and exceptionally high-quality Interior refinements.The workmanship,materials,and finishes throughout the dwelling are of exceptionally high quality. Q2 Dwellings with this quality rating are often custom designed for construction on an individual properly owner's site.However,dwellings In this quality grade are also found in high-quality tract developments featuring residences constructed from Individual plans or from highly modified or upgraded plans.The design features detailed,high-quality exterior ornamentation,high-quality Interior refinements,and detail.The workmanship,materials,and finishes throughout the dwelling are generally of high or very high quality, 03 Dwellings with this quality rating are residences of higher quality built from individual of readily available designer plans in above-standard residential tract developments or on an Individual property owner's site.The design includes significant exterior ornamentation and interiors that are well finished.The workmanship exceeds acceptable standards and many materials and finishes throughout the dwelling have been upgraded from"stock"standards. Q4 Dwellings with this quality rating meet or exceed the requirements of applicable building codes.Standard or modified standard building plans are utilized and the design includes adequate fenestration and some exterior ornamentation and interior refinements.Materials,workmanship,finish,and equipment are of stock or builder grade and may feature some upgrades. Q5 Dwellings with this quality rating feature economy of construction and bask functionality as main considerations.Such dwellings feature a plain design using readily available or bask floor plans featuring minimal fenestration and basic finishes with minimal exterior ornamentation and limited Interior detail.These dwellings meet minimum building codes and are constructed with inexpensive,stock materials with limited refinements and upgrades. Q6 Dwellings with this quality rating are of basic quality and lower cost;some may not be suitable for year-round occupancy.Such dwellings are often bullt with simple plans or without plans,often utilizing the lowest quality building materials.Such dwellings are often built or expanded by persons who are professionally unskilled or possess only minimal construction skills.Electrical,plumbing,and other mechanical systems and equipment may be minimal or non-existent.Older dwellings may feature one or more substandard or nonconforming additions to the original structure. Definitions of Not Updated,Updated,and Remodeled Not Updated Little or no updating or modernization.This description includes,but Is not limited to,new homes. Residential properties of fifteen years of age or less often reflect an original condition with no updating,If no major components have been replaced or updated.Those over fifteen years of age are also considered not updated If the appliances,fixtures,and finishes are predominantly dated.An area that Is'Not Updated'may still be well maintained and fully functional,and this rating does not necessarily Imply deferred maintenance or physical/functional deterioration. Updated The area of the home has been modified to meet current market expectations.These modifications are limited interms of both scope and cost. An updated area of the home should have an improved look and feel,or functional utility.Changes that constitute updates Include refurbishment and/or replacing components to meet existing market expectations.Updates do not Include significant alterations to the existing structure. Remodeled Significant finish and/or structural changes have been made that increase utility and appeal through complete replacement and/or expansion. A remodeled area reflects fundamental changes that Include multiple alterations.These alterations may Include some or all of the following: replacement of a major component (cabinet(s),bathtub,or bathroom tile),relocation of plumbing/gas fixtures/appliances,significant structural alterations(relocating walls,and/or the addition of square footage). This would Include a complete gutting and rebuild. Explanation of Bathroom Count The number of full and half baths Is reported by separating the two values by a period.The full bath Is represented to the left of the period.The half bath count Is represented to the right of the period.Three-quarter baths are to be counted as a full bath in all cases.Quarter baths(baths that feature only toilet)are not to be included in the bathroom count. UAD Vcrsbn 82011 woaucowyAn ,S.OW23l.6727 .«,.,m. 1W4.eUW0R220N UNrdm ApprakM Dmaw D.Rft. 4462263764703 Uniform Appraisal Dataset Definitions File No.18936814 Abbreviations Used in Data Standardization Text Abbrev. Full Name Appropriate Fields Abbrev. Full Name Appropriate Fields ac Acres Area,Site In Interior Only Stairs Basement&Finished Rooms Below Grade AdjPrk Adjacent to Park Location Lnd6 Landfill Location AdjPwr Adjacent to Power Lines Location LtdSghl Limited Sight View A Adverse Location&View Listing Listing Sale or Financing Concessions ArmLth Arms Length Sale Sale or Financing Concessions MR Mid-Rise Structure Design(Style) AT Attached Structure Design(Style) Mtn Mountain View View ba Bathroom(s) Basement&Finished Rooms Below Grade N Neutral Location&View or Bedroom Basement&Finished Rooms Below Grade NonArm Non-Arms Length Sale Sale or Financing Concessions B Beneficial Location&View op Open Garage/Carport BsyRd Busy Road Location o Other Basement&Finished Rooms Below Grade CP Carport Garage/Carport 0 Other Design(Style) Cash Cash Safe or Financing Concessions Prk Park View View CrySky City View Skyline View View Psta Pastoral View View Cou City Street View View PwfLn Power Lines View Comm Commercial Influence Location PubTrn Public Transportation Location c Contracted Date Date of Sale/Time n Recreational(Rec)Room Basement&Finished Rooms Below Grade Conv Conventional Sale or Financing Concessions Relo Relocation Safe Sale or Financing Concessions cv Covered Garage/Carport REO REO Sale Sale or Financing Concessions CrtOrd Court Ordered Safe Safe or Financing Concessions Res Residential Location&View DOM Days On Market Data Sources RT Row or Townhouse Design(Style) DT Detached Structure Design(Style) RH Rural Housing-USDA Sale or Financing Concessions dw Driveway Garage/Carport SD Semi-detached Structure Design(Style) Estate Estate Sale Sale or Financing Concessions s Settlement Date Date of Sale/Time e Expiration Date Date of Sale/Time Short Short Sale Sale or Financing Concessions FHA Federal Housing Authority Sale or Financing Concessions sf Square Feet Area,Site,Basement g Garage Garage/Carport sqm Square Meters Area,Site,Basement ga Garage-Attached Garage/Carport Unk Unknown Date of Sale/Time gbi Garage-Built-in Garage/Carport VA Veterans Administration Sale or Financing Concessions gd Garage-Detached Garage/Carport wo Walk Out Basement Basement&Finished Rooms Below Grade GR Garden Structure Design(Style) vnl Walk Up Basement Basement&Finished Rooms Below Grade GlfCse Golf Course Location Wtrfr Water Frontage Location Glfvw Goff Course View View WV Water View View HR High Rise Structure Design(Style) w Withdrawn Date Date of Salet ime Ind Industrial Location&View Woods Woods View View Other Appraiser-Defined Abbreviations Abbrev. Full Name Appropriate Fields Abbrev. Full Name Appropriate Fields UADVersMt9011 PMO0=ACI sdm 800.230721 mw.N b= 100/J1SUAo072M14 Unrb.App ikA Deteset DeMtb. ADDENDUM Borrower. Lisa Allen He No.: 18936814 Property Address: 218 Susquehanna Ave Case No.: 4462263764703 City: Enola State: PA Zip: 17025 Lender. CU Members Mortgage,a div of Colonial Savings SUBJECT SECTION The subject's address was verified and reported as shown on USPS.gov. CONTRACT SECTION No additional comments NEIGHBORHOOD SECTION It is important to remember that the days on market listed on page one is a representation of ALL sales found within the subject's neighborhood boundaries,not only those properties found to comparable to the subject or selected for inclusion on the appraisal report. This number represents every sale within the neighborhood consisting of all styles within the past 12 months;therefore,this number may not always reconcile with the comparables used on the appraisal report. Any comparable sales not located within the subject's neighborhood would be irrelevant to the subject's neighborhood information and would not necessarily reconcile with the information on page one. The neighborhood boundaries are as described on page one in the neighborhood section. The market trend has been determined through market research and was"based on the sales history of ALL sales within the subject's neighborhood within the past 12 months.",as stated on page one of the appraisal report. Itis important to remember that this information listed on page one is a representation of ALL sales found within the subject's neighborhood boundaries,not only those properties found to be comparable to the subject or selected for inclusion on the appraisal report.This information will NOT reconcile with the comparables used on the appraisal report,the top of page two or the 1004MC form. SITE SECTION No additional comments IMPROVEMENTS SECTION 100 AMP Service,Gas H/W,Copper Plumbing. SALES COMPARISON APPROACH SECTION The appraiser has adjusted fireplaces at$1500 per fireplace,wood/pellet stoves at$1000,attached/detached garages$2000 per bay and built In garages at$1000 per bay,porches,patios,decks at$500 and covered porches, patios,decks at$1500,enclosed patio/sun room at$5000. Comparables having sold over 6 months were not given a Time/Date Adjustment as market research did not reveal any significant increase or decline in property values over the past 12 months. Active listings were given a time/date adjustment of 2%,as market research revealed that the average sales to list price ratio in East Pennsboro Township,as of the effective date of the appraisal report was approximately 98%. In the subject's market place it is common not to adjust for any acreage difference less than 1/2 acre. The lack of this adjustment to the comparables would have no impact on the subject's marketability or future value. No age adjustment was given on comparables,as it is the appraiser's opinion and experience that homes built in this time frame,within the subject's market area,are considered to have been constructed with similar materials, amenities and construction methods. Any adjustments made to the Sellers Concessions,or lack of adjustment,was based on the affect the Sellers Concessions had on the final sales price of the comparable. If no adjustment was made there was no affect to the final sales price,per MLS Records. SUBJECT/COMPARABLE SALES HISTORY No additional comments SUMMARY OF SALES COMPARISON NOTE:Basement square footages are estimated based on MLS records and Courthouse records of the subject's total square footage,as the information required for this form is not always available to the appraiser through the normal course of business. Any finished areas below grade for the comparables was calculated based on the dimensions provided of these areas by the agent on the MLS records for the properties. Any MLS records not having dimensions of finished areas below grade Is an estimate based on market research of other similar type properties with similar finished basements,where the information was available in the local MLS records.Basement information for the comparables will not always be as accurate as the subject property,as the appraiser has not physically inspected and measured these properties,as he has the subject property.All of the information regarding below grade finishes for the comparables is considered estimated and the appraiser is not responsible for any misinformation or lack of information provided in the MLS by the local agents. The appraiser makes the extraordinary assumption that the basement egress of the comparable sales is interior only,unless otherwise noted in the MLS records for the comparable sales,as the appraiser has no way to verify this information through the normal course of business and the appraiser has not inspected the interior of these properties in order to accurately answer this question. All comparable sales were considered to be similar in design and appeal,lot size and overall amenities and the appraiser made reasonable adjustments for all value related differences. In an effort to provide the client with similar style dwellings that were considered similar in square footage,age,and amenities it was necessary for the appraiser to expand his search in such a way that it exceeded the client's Addend"Page 102 ADDENDUM Borrower. Lisa Allen File No• 18936814 Property Address: 218 Susquehanna Ave Case No• 4462263764703 City: Enola State: PA Zip• 17025 Lender. CU Members Mortgage,a div of Colonial Savings recommended time guidelines of 6 months and distance guidelines of one mile,due to the lack of comparable properties found within these guidelines.All comparables are located in East Pennsboro Township and East Pennsboro School District. Comparables#1 through#4 are closed sales and Comparables#5 through#6 are active listings being included in the appraisal report to show the current market conditions for homes considered to comparable to the subject that are on the open market,as of the effective date of the appraisal report. No weight was given to these comparables, as they may become expired and/or withdrawn from the market and not settle and become sold comparables. They are for the client's review only. Although some Comparables may be located on opposite sides of a heavily traveled artery/route,they are located in a neighborhood that is considered to be a competing area/location and/or neighborhood. The adjusted and unadjusted sales price ranges differs by more than 20%;however,this was necessary in order to show the client the actual value range of similar properties from within the subject's market area. RECONCILIATION COMMENTS No additional comments ADDITIONAL COMMENTS(PAGE 3) No additional comments COSTAPPROACH The Cost Approach is not required by Fannie Mae,however,has been developed,at the request of the client. There Is a general consensus among Real Estate Appraisers and professional appraisal organizations that the Cost Approach Method of valuation is rendered ineffective when attempting to value homes of this age. It is therefore, considered prudent for the appraiser not to include the Cost Approach in the report. Insofar as,it may actually be misleading to the client. The Cost Approach completed by the appraiser is not to be used for Insurance Purposes. MARKET CONDITIONS"1004MC' No additional comments - FHA COMMENTS FHA Appraisals are not a guarantee that the property is free from defects. The appraisal only establishes the values of the property for mortgage insurance purposes. Homeowners/Buyers need to secure their own home inspections through the services of a qualified inspector and satisfy themselves about the condition of the property. At the time of the inspection the appraiser inspected the ground level and did not note any evidence of wood destroying pest. However,the appraiser is not,nor in any way representing himself as a certified pest inspector. Should the client have any questions regarding this issue,the appraiser suggest a professional in this area be contacted. At the time of the inspection,the appraiser noted defective paint surfaces. According to HUD Handbook 4150.2 any house built prior to January 1,1978 is required to have all defective paint surfaces in or on structures and/or property or structures built prior to January 1,1978 to be corrected.The following are to be scraped,and area cleaned,primed and painted in accordance with 24 CFR Part 35:Interior door jams,interior door,steps,porch soffit, exterior soffits,shed,exterior window. Estimated cost to cure is$2172.These numbers are for illustrative purposes only and could vary depending on actual contractors used,if any,and/or the extend of the work completed. At the time of the appraiser attempted inspect the attic;however,the access was sealed and he was not able to inspect the attic.The appraise is not,nor in any way representing himself or claiming to be an:Engineer,Home Inspector,Surveyor,Building Contractor,Roofing Contractor,Electrician,Plumber,HVAC Contractor,or any other type of contractor or expert. Photos of the attic are for the client's visual evidence that the appraiser has inspected the attic of the subject property. The appraiser operated a representative number of outlets and flushed the toilets and operated faucets. The appraiser did not note any evidence of the utilities not functioning properly. At the time of the inspection the outside temperature would not allow for testing of the central air unit without the possibility of damaging the equipment. 11/20/2014 The non-residential influences located near the subject property have no impact on the subject's value and marketability. Addendum Page 2 of 2 4462263764703 Market Conditions Addendum to the Appraisal Report File No. 18936814 The purpose of this addendum is to provide the lender/client with a clear and accurate understanding of the market trends and conditions prevalent in the subject neighborhood.This is a required addendum for all appraisal reports with an effective date on or after April 1 2009. Property Address 218 Susquehanna Ave city Enola State PA Zip Code 17025 Borrower Lisa Allen Instructions: The appraiser must use the information required on this form as the basis for his/her conclusions,and must provide support for those conclusions,regarding housing trends and overall market conditions as reported in the Neighborhood section of the appraisal report form.The appraiser must fill in all the Information to the extent it is available and reliable and must provide analysis as Indicated below.If any required data is unavailable or is considered unreliable,the appraiser must provide an explanation.It is recognized that not all data sources will be able to provide data for the shaded areas below;If it is available,however,the appraiser must include the data in the analysis.If data sources provide the required information as an average instead of the median,the appraiser should report the available figure and identify it as an average.Sales and listings must be properties that compete with the subject property,determined by applying the criteria that would be used by a prospective buyer of the sub'ect cronert.The a falser must ex Iain anv anomalies in the data such as seasonal markets new construction foreclosures etc. Inventory'Analysis>'. ' Prior 7-12 Months Prior 4-6 Months Current-3 Months Overall Trend Total#of Comparable Sales(Settled) 4 0 1 Increasing X Stable Declining Absorption Rate(Total Sales/Months) 0.67 0.00 0.33 Increasing X Stable Declining Total#of Comparable Active Listings $ a 1 0 r;' 1 e Declining Stable rc Increasing,'i` Months of Housing Supply(Total Listings/Ab.Rale) :1;49_; ''. 0.00 . 3.03 Declining Stable' increasin':_ Median Sale&List Price,DOM,Sale/List%;'4 Prior 7.12 Months Prior 4.6 Months Current-3 Months Overall Trend Median Comparable Sale Price 62,500 0 59,900 Ll Increasing Stable gDechnind. g Median Comparable Sales Days on Market 76 0 111 Declining X Stable ng Median Comparable List Price " 56,950 59.000 54,900 Increasing.;' Stable, g',+'Median Comparable Listings Da s on Market 131 111`' 17 Dedinfng<3 i. Stable .,Y, n 't."Median Sale Price as%of List Price 95.86% 0.00% 101.53% Increasing Stable gSeller-(developer,builder,elc.)paid financial assistance revalent? YesX No Declinin Stable ngExplain in detall the seller concessions trends for the past 12 months(e.g.,seller contributions increased from 3%to 5%,increasing use of buydowns,closing costs,condo fee ,etc.).The seller a in u to 6%of the bu ers closin costs is common to the area u on a thorou h review of the com arables listin activit there clear indication of any Chan es, Are foreclosure sales(REO sales)a factor in the market? Yes X No If yes,explain(including the bends in listings and sales of foreclosed properties). REO's only make up 8%of the subject's local marketper the local MLS. Cite data sources for above information. Local MLS, Summarize the above information as support for your conclusions In the Neighborhood section of the appraisal report form.If you used any additional information,such as an analysis of pending sales and/or expired and withdrawn listings,to formulate your conclusions,provide both an explanation and support for your conclusions. The appraiser has considered the overall trends to be stable as only one sale is not considered enough information to determine a market trend.The appraiser has taken into consideration all sales from within the sub act's neighborhood,as described on page one which as included a greater population of sales and information.According to Fannie Mae ouldelines,the appraiser is not to expand the neighborhood boundaries to encompass the comparable sales found.Therefore the appraiser has NOT expanded the neighborhood boundaries to encompass the comparable sales found for those outside the neighborhood,in an attempt to arbitrarily provide sales and listin s to included in the 1004MC research. If the subject is a unit in a condominium or cooperative project,complete the following: Project Name: Subject Project Data Prior 7-12 Months Prior 4-6 Months Current-3 Months Overall Trend Total#of Comparable Sales(Settled) Increasing Stable Declining Absorption Rate(Total Sales/Months) Increasing Stable Declining Total#of Active Comparable ListingsL iJ Declining =StableW1=Increasing Months of Unit Supply(Total Listings/Ab.Rate) "xE --tti`; 4i s' U Declinln-s'ta- ., Stable .. Increasing,st: Are foreclosure sales(REO sales)a factor In the project? Yes LJ No If yes,indicate the number of REO listings and explain the trends in listings and safesofforeclosed properties. Summarize the above trends and address the Impact on the subject unit and project. APPRAISER SUPERVISORY APPRAISER(ONLY IF REQUIRED) Signature Signature Name Michael P.McCauley Name Company Name Real Estate Valuation Advisors Company Name Company Address 1424 Wellgate Lane Company Address Mechanicsburg,PA 17050 State License/Certification#RL003411L State PA State License/Certification# State Email Address reva.accounts(1ccomcast.net Email Address Freddie Mn Form 71 March 2009 Pnuced using Act wftwam.99g.234.B727 x-,rw..amb.wm FmwMae Fw WNW March Zaa9 Page ort t00/MC 2009090909 4462263764703 USPAP ADDENDUM Fite No. 18936814 Borrower: Lisa Allen Property Address:218 Susquehanna Ave City: Enola County: Cumberland State: PA Zip Code: 17025 Lender: CU Members Mortgage,a div of Colonial Savings 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 stated in this report is:less than 3 months. Additional Certifications 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. ❑1 HAVE performed 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 APPRAISER(only if required): Signature: /t� Signature: Name: Michael P.McCaufey Name: Date Signed: 11/2012014 Date Signed: State Certifications: RL003411L State Certification s: or State License s: or State License s: or Other(describe): State s: State: State: PA Expiration Date of Certification or License: Expiration Date of Certification or License: 06/30/1015 Supervisory Appraiser inspection of Subject Property: Effective Date of Appraisal:11/142014 ❑Did Not ❑Exterior-only from street 0 interior and Exterior SUBJECT PROPERTY PHOTO ADDENDUM Borrower:LlsaAllen File No.: 18936814 Property Address:218 Susquehanna Ave Case No•4462263764703 City:Enola State:PA Zip:17025 Lender:CU Members Mortgage,a div of Colonlal Savings FRONTVIEWOF SUBJECTPROPERTY Appraised Date:November 14,2014 r ! , Appraised Value:E 62,000 MIA �_ . r.a.�. r? REAR VIEW OF by; SUBJECTPROPERTY s 1, STREETSCENE .ss INTERIOR PHOTOS Borrower:Lisa Allen File No.: 18936814 Property Address:218 Susquehanna Ave Case No,:4462263764703 City:Enola State:PA Zip:17025 Lender.Cl!Members Mortgage,a dlv of Colonlel Savings Kitchen u Comment: f~ Living Area Description: A Comment: Bathroom Description: Comment: Pm&-du ng ACI mlMsm.80D234.1222 w.w.xixe0apa IMUMID0Y2013 INTERIOR PHOTOS Borrower:Lisa Allen File No.: 18936814 Property Address:218 Susquehanna Ave Case No.:4462263764703 City:Enola State:PA Zip:17025 Lender:CU Members Mortgage,a div of Colonial Savings Comment: sealed access to the attic — r1 Comment: N, w bedroom �.W Comment: bedroom i Borrower:Lisa Allen File No.: 18936814 Property Address:218 Susquehanna Ave Case No.:4462263764703 City:Enola State:PA Zip:17025 Lender:CU Members Mortgage,a div of Colonial Savings t i defective paint door jam defective paint door jam defective paint steps defective paint door y- dining area PicEiKM ufYp HCl wf m.rOD.774.1777wxw.xi OE PM Borrower:Lisa Allen File No.: 18936814 Property Address:218 Susquehanna Ave Case No.:4462263764703 City:Enola State:PA Zip:17025 Lender:Cu Members Mortgage,a div of Colonial Savings r Y defective paint defective paint f fy r j defective paint defective paint Z �V t ✓ k 9 }E� 1� defective paint defective paint rmduxd.0V ACI 80027/.8727 wew.adxUmm FNTB Borrower:Lisa Allen File No.: 18936814 Property Address:216 Susquehanna Ave Case No.:4462263764703 City:Enola State:PA Zip:17025 Lender:CU Members mortgage,a div of Colonial Savings r. t r defective paint defective paint Pm*."*q ACI 90o.M.9721 ....«r b— Pars Borrower:LisaAlien COMPARABLE PROPERTY PHOTO ADDENDUM Pro ert Address:218 Sus uehanna Ave file No.: 18936814 Cit:Enola Case NO,:4462263764703 Lender:CU Members Morl a e,n dlv of Colonlai Savin s State:PA ZiQ:17025 COMPARABLE SALE#1 i't r f ;'-- 211 Clay Ave " r ; Enola,PA 17025 to Sale Date:s02t14;02113 - _ Sale Price:$67,000 rix^��,5•���,Y ...,: t.£ .�.'. '�^.. - 4 COMPARABLE SALE#2 t � 14373rd St �+ Enola,PA 17025 _ 1 > Sale Date:01/14;00/13 r Sale Price:$61500 � r t i. yt R ACOMPARABLE SALE#3 a c L • _� 209 Abolition St Enola.PA 17025 ` Sale Date:s0411442C14 Sate Price:$78,000 t COMPARABLE PROPERTY PHOTO ADDENDUM Borrower:Lisa Allen File No• 18936814 Property Address:218 Susquehanna Ave Case No.:4462263764703 City:Enola State:PA Zip'17025 Lender:CU Members Mortgage,a div of Colonial Savings COMPARABLE SALE#4 i 507 State St Enola,PA 17025 Sale Date:s08114;c06/14 —-- Sale Price:$88,500 -� COMPARABLE SALE#5 24 E Columbia Rd Enola,PA 17025 Sale Date:Active Sale Price:$54,900 .h COMPARABLE SALE#6 319 Market St New Cumberland,PA 17070 Sale Date:Active Sale Price:$86,599 FLOORPLAN SKETCH Borrower:Lisa Allen File No.: 18936814 Property Address:218 Susquehanna Ave Case No.:4462263764703 City:Enola State:PA Zip:17025 Lender:CU Members Mortgage,a div of Colonial Savings 9.5' 9.5' in in r; Mtchen 4.5' 14.0' Bath Dining in Bedroom Lo Area M M O Unfinished O O tM N Uving Room Bedroom 14.0' 14.0' 14.0' Comments: AREA CALCULATIONS SUMMARY LIVING AREA BREAKDOWN Code Desodption Net Size Net Totals Breakdown Subtotals GLA1 First Floor 491.2 491.2 First Floor GLA2 Second Floor 378.0 378.0 9.5 x 37.5 356.3 RSHT Basement 491.3 491.3 4.5 x 30.0 135.0 Second Floor 14.0 x 27.0 378.0 Net LIVABLE Area (Rounded) 869 3 Items (Rounded) 869 I _ :���"'�►ern • Y'j�-.'. Fre::,;..:.•..:vr:;::, `--•,.., '�' `' tiy,+;.i � ..1.`;� 'ufY�iv'3+vnatl � � •. -�+ .� • - Y-+ y' ''' �`�:�. �ULy1y !'�trt�ur t,j' - " �c i�7M r$. .� !'t� s• 4 Y f � M y' � � -y+r. �.r .7 A.>, 3rJ �: i' y :.• .'� k a'.�Ct„i�',}}�, 'ei� rr !"`=.• ", .a - Jr ll t J. •.!�`4�. ti,, 1`` - uC � N '�`i;,� .. m l.�t '�' 1w r•, r,1_ .a,; � �} `h••�',`j,-.�{t ,!• ! r''T .,�-0. ..� ;'rr'r� • • ,�. �1�::, � o y' �a,Slt"%� �rh \°,�r�vim'' alt2 re ia.a'u��.l.:1r�L.)rr lcr�f '� 15'11.� s,,,.. '•- ! ! �Jiiwjstiq; --; .•,•}Yx++..,ti ,!" s "r l $ _ ill M,.t.' i •�! i ! `+1t-'d +. r '"T.' fj .A 'c� .S- �r.'ia � • a- � err.. .J'f!'-.Y t � • :F'�}fit t � 131. • ! � ,..a i t a.,�' ,�.r„�- �;2meY�t Arcr4'"-i W-2 - '�tr' ryati,'¢i ;Jy p�i'e "�l7 Fxn F [.t „h�..,t�p ✓� f 4 k;. �4��A _•S �,.-r. . t r F'`�"jry ;�r ? r 'L+'.` ,.?y v�''"• r 'S,•,�. >p ` G }�t(,ARtR .+•ys r 9 ' 4 y- b,,,,•f �, TT K ,� w`•�o ,'}t'xrLr S! x`t A S ' •K i"t'` ��•`s+.L.A .r :k`L.±t( �r ;' �p• T,f S "�xari? Fd9e.rrfpniS.e'fw�` -' - 'fr3f rs t U3,�}A. r t J I ,S�y3y-��� �-•f�a``���.R 3}' f f .r "t Q 3 "�.+t�f^ ,�+''r4 i`.'"s•�r "�1 C`j{q'''` 1i4:s {f 'Y�� (i',�i.ys} p. ,SM"'�.% _.f�r• _ �� � .,"i i •r� r'tfa,.,,'+f•.. y; J3 .}(7 "J j •s �W , - ! •y .',t R ♦ e C". -?f i Fdlt Jitr�i r[ !�"t ' • , :,;;xl �"� �?; � '� r=e � �t Ike ��,�yCem r ' ty-t' t .•."q {' y�:1� !f f r '�, r " ni a �r� +stir �j ��t�i0i►•"rw�`�'Jt.?� `-viii \r' p •� s'F -r,s`y.1 •. C cF•i;Qx J r,,,,,,,t Pt { - pQmetary s.+^• ""� ��"'i� `� i4 L� . �t i'=' :.� 7!` l V � Sr t a , j•Wl.. f('` 1 !A •`. -t !.!j, � .., „+ r ,t ;t Y F Y� ,� .tt � �.-• `...Jj•"tZ Lww � AtL23O!\tF it qAa ht SI ,.1 n} 'u.'"4 c a�j, .'.t�s ,*.✓ . �r t' ,'.Ar �-�.;�jt��t(3��J�)-;� `� �•.•'��jf t I .• r "7 e •t�5 1 ! 3- �`tt `/ r� �_`y".�� diC�'c;Y� .'"t ,{i rv'r s`?��'d'•Sl HtRRtSpu��.�<`r V JI� � v \ Jf4J � `t`} tri- `-1 f.�( r`1'4/x♦� .3yI!r+ J 4'� S 1 ,1l.'fj'r.'-'. �JA�4 F ^ .S� J 'F�" •�' . � �,/l�'�'tf.�'4f J�•fie 1 731.t�:a•��l�y'��'y. :,l ryrx i r F _ Jf 'rt - ,fi 45t4 ..s ,7/ to - 4'•' +.•In t .+`i[s •.4't. s r.l...•�'• h IAN sr F = r ^r t +r r- - N - � i � s s.Sl l 7�r y�ry �i,."''Srai�,� Nd• /firs' : 9f.M. rkOtatm 6� � az• s' 'l. y +. fp.,,,�" j+.,.:� !:t}trtS � / l � �v F ,4� `j'�� �'•w n'{ ,fit,�'*r hfrY 0, ^ •• 1i?' r ...•. r+ otVrl . : c1a - A�a,.. S�" - . y♦} i '( l .'..y .' �RJ 1T' s..• \�4 I �i- 'tapR t ?•s tyyyl� ry _ rj' .l{9 °, m r !"a 'tt....x {i�s�� �j .4Z to �:w-^�4 v y f�'r;rnt�b��i�/ '`Ca:r.e fia s Y i -li-y7� r '• :- �� ��♦.,:^ lfta/t.��t7 /NJ ti. tr+�F�Gftd J•- ,p "�.�;r Ar. r -. .tr �4„«' _ ! �f•°�774r.5. • Ot� � ,` ar r j% ' V✓fir AltOil E'1N r.r:trs r h?O, i�c��,."},} x t: �� Y '• 1/ ✓ s '� reds 3.. 5'�rc t� 6!cr,'-rr yP t�t � �w_ _ � r j s e '4ss t � ,s. r P. -k•. :.�yORL'+ . �' �mpy !fi n a s. r•;' 'Tf, t- fr. ! s `/S rt`.F,;,- p'Cr s 1' + F t s i ''T'*�r +, y iti }i .{'�`` el•,4�� fe- S� �+K4 �,r �� ,'C`• law VI y,,r.C.3 .� ,��+ty Ru ✓ i '' _; t�-rr + TS.. ,S r /V +r TA� L, ..}.. r..i R' «t� C. ! "f,�;-}•�."ti„��, C�'.� �.,��/,}r ` r� _C s `7� ,"�.� P yr e. *? .�` •s"r t,•C�ter�'a�' �rr13{:Olpwe '°.' 1"+ # ' _�-'t+y"1 r.,,�'• ' f :; �a .' '; k { •.,q r Ge°$raphicf'rar r riph. si, /C1 G-'CLC.s i �' rr.. FLOOD MAP Borrower:Lisa Allen File No.: 18936814 Property Address`218 Susquehanna Ave Case No.:4462263764703 City:Enola Stale:PA Zip:17025 Lender:Cu Members Mortgage,a div of Colonlal Savings ¢.a � nd u'� � �mrfii �. . 4, . y k r,01 ego W it Ftd .1,.. tib � r � • P nM,arPkry �ti 1 Fid _ --Y _ Subject r 4a°+ 218 Susquehanna Ave Qua Enola, PA 17025-2424 Ave t QYtBS` '�. 7S Oalfj Iry SF _ ..a :aydg4 P a o alp A ` c .9 � gym •\ Stewart Ln , 1 W mtnar vsFWey �e id�v`leu Ac s Flood Information FloodMap Legend FbodZones Community:420359-EAST PENNSBORO, TOWNSHIP OF rutastn bw-raoyyao-yvarnooding Property 15 not its ai t EMA Special flood hazard area. Anes adstdeoftnoloo'-aw500-wuftoodvWm Mop Number.42041COlt664aFlaete:.03/'1512009 ArtaswxvWsdbyMyoerfiooding Panel:0116E FJPS:42041 masims"sobywo-yearfloodingwtth%*Mdtyhrmrd zone:x mesa-ry 6,64, Neither Transamerica FlooU Hazard Cefilficauon(TFAC)Vtur Flt*o*entstwh Yeta(ky htriard Ad make a y representatlons or warranties to any party onceming1he content,accuracy&compteteness of this mm..aundnermirwo lad possbrrawdhowds flood report.Including any warranty of rnerchantabiify.•or Anas aw mall m"pt 4(h*d F1Ftm Rnm for a particular purpose,Nelther:711-1C nor ACI nor the - —`' �allnr ntthia.flnnd iwnnrtshall have any liatvtity In stay thin ,y# ,�' t 1. .•, �`�+'yt±�x� l k�r ti� �� it �,-�_�... �.r�l •�/yF�.. ,,� �'i`S� r.. 'r j_-. :',��. ./y° ! rJ I �/fe �t��. ��'�'�s � .'�Ot... "+t,�3`• `1+.'r ��'�' .• l r �r _ .�� ,� � � r 'Jt� '~:^'•r , t„'L��_ •�"��+;�`•+ ••,,,r, ! �r t ••1-^-•-._., 1`J l i l:r� ..! %!lrf!r 1 Si' i •J,�,1f- �! } y ".,;.''•,'^� "-^t.r: 't:I'.r..i '7.. -�fr f goe �, .5[{ � {1{,,j.� 5►t �t; , �eCti� R�. ,.>,.� •,,,,t�,i �� ,r/t��• r .u. r'�i'i 'tki'°r _'I�:`I'.'.'."F_� �1 X; •"• Y•i 1. .w' 7 �•- 'f t� }• ;'�; t ` •`' -',..• '-`-��'moi,jt�fll ��._.,�„ ` � `"t `; •4.>l��CJ�UNfj� �. �� � , f1{"',T p���?t• r �.,._I ... r t 'i��� j ;i 't< 54.,E if +t`� � �_ t,1 `!'+t,�'TM" .. ���.: _ Qt• .++•.y,r""'„� �`�j !!.` •r., 'R„I. t�t i>... . , f j �(./� �'1!r r rr �� • Vii' "".Sr �`, •� `" w' tow t�`'+5.� � •� �� � ?Ilk 0 '201414,j VAyo ,' — ' ° °rharat Borrower:Lisa Allen file No.: 18936814 Property Address:218 Susquehanna Ave Case No.:4462263764703 City:Enola State:PA Zip:17025 Lender:Cu Members Mortgage,a div of Colonial Savings R ;, 1 OMB Approval No.2502-0265 A. Settlement Statement (HUD-1) �4 ®FHA 2.❑RHS 3.❑Conv.Unins. 6•File Number: 7,Loan Number: 8.Mortgage insurance Case Number: 14288 30019696 446-2263764.703 4,❑.VA 5.❑Conv.Ins. i I C.Note:This form is furnished to glue you a statement of actual settlement costs.Amounts paid to and by the settlement agents are shown Items marked "(p.o.c)"were paid outside the closing;they are shown here for Informational purposes and are not included in the totals. D.Name&Address of Borrower: E.Name&Address of Seller: F.Name&Address of Lender: Gregory Wendell Allen,Lisa Ann Allen Estate of Martha Allen CLI Members Mortgage 360 Water Street,Goldsboro,PA 17319 218 Susquehanna Avenue,Enola,PA 17205 15455 Dallas Parkway Suite 900,Addison,TX 75001 G.Property Location: H.Settlement Agent: I.Settlement Date:12/3112014 218 Susquehanna Avenue Keystone Land Transfer,Ltd Disbursement Date:1913'/2014 Enola,PA 17205 3421 Market Street,Camp Hill,PA 17011 East Pennsboro Township 717-731 A200 Place of Settlement TitleExpress 3421 Market Street,Camp Hill,PA 17011 Printed 12/3V2014 at 8:45 am by KS J.Summary of Borrower's Transaction K.Summa of Seller's TTansaction 100. Gross Amount Due from Borrower 400. Gross Amount Due to Seller 101. Contract sales price 60,100,00 401. Contract sales price 60,100.00 102. Personal property 402. Personal property 103. Settlement charges to borrower(line 1400) 5,632.22 403, 104. 404. 105. 405. Adjustments for items paid by seller in advance Adjustments for items paid by seller in advance 106. Cityftown taxes to 406. Cityltown taxes to 107. County taxes 12/3112014 to 12/31/2014 0.90 407. County taxes 1213112014 to 125112014 0.90 108, School Tax 12012014 to 0613012015 488.58 408. School Tax 12/31/2014 to 0613012015 488.58 109, Sewer 1213112014 to 12131/2014 1.40 409. Sewer 12/31(2014 to 12/31/2014 1.40 110. 11410. 111. i 14111. 112. 412, 120• Gross Amount Due from Borrower 66,223.10 420, Gross Amount Due to Seller 60,590.88 200. Amounts Paid by or in Behalf of Borrower 500. Reductions In Amount Duo to Seller 201. Deposit or earnest money 100.00 501. Excess deposit Isee instructions) 100.00 202. Principal amount of new loan(s) 58,913.00 502. Settlement charges to seller(line 1400) 4,837.94 203. Existing foals)taken subect to 503. Existin loos taken subed to 204. 504. Payoff of first mortgage loan 205, Credit for Application Fee 63.00 505. Payoff of second mortgage loan 206. 506. 207. Seiler Assist 2,000.00 507. Seller Assist 2,000.00 208. 508. 209, 509. Adjustments for Items unpaid b setter Adjustments for Items unpaid b setter 210. City/town taxes to 510. Cityltown taxes to 211. County taxes to 511. County taxes to 212. School Tax to 512. School Tax to 213. 513, 2f4. 514, 215, 515, 216, 516. 217. 517, 218. 518, 219. 519. 220, Total Paid b!for Borrower 61.076.0(} 520. Total Reduction Amount Due Seller 6,037.94 300. Cash at Settlement fromito Borrower 600. Cash at Settlement tolfrom Seller 301, Gross amount due from borrower(line 120) 66,223.10 601. Gross amount due to seller(line 420) 60,590.88 302, Less amounts paid by/for borrower(line 220) 61,076.00 602. Less reductions in amount due seller(line 520) 6,937,94 303. Cash ❑X From ❑ To Borrower 5,147.10 603. Cash ❑X To ❑ From Seller p 53,652.94 tNaratm.eninsfi Qbpigsn ainatrt m"lltl OMatAntrd aumClr.Na emtnrnSF�,yh"es�n*ea;va°^/a"Wtcbrwc6 miMnary.7MSN0ariT WmOro+aae me c•nin laa ttESPA mvercotmnsectlwrwnli mmmnimssCNmp rcro" a@lwnarn P"ww. Previous editions are obsolete Page 1 of 4 UD-1 L.Settlernent Charges 700. Total Real Estate Broker Fees Paid From Paid From Division of commission line 700 as follows: Borrower's Seller's 701. $0,00 Io Funds at Funds at 70T $o.00 to Settlement Settlement 703. Commission paid at settlement 800. 'items Payable in Connection vdth Loan 801. Out origination charge (Incudes Origination Point 0.1100%or$0.00) $1,641.00 (from GFE#1) 802. Your credit or charge(points)for the specific interest rate chosen $-579, (from GFE#2) 803. Your adjusted origination charges (from GFE A) 1,062.00 804. Appraisal fee to Servicel.ink $400,00 P.O.C.B'(from GFE#3) 75. 805. Credit report to CBC XML (from GFE#3) 17.00 806. Tax service to from GFE#3 807. Flood cerllflcatlon to LPS Flood (from GFE#3) 6.50 808. Final Inspection Fee to Servicel-ink (from GFE#3) 300.00 900, items RequireWby Lender to be Paid In Advance 901. Daily interest charges from from 12131/2014 to 01/01/2015 @$6.4600/day (from GFE#10) 6.46 902. Mortgage insurance premium for months to FHA (from GFE#3) 1,013.25 903. Homeowners insurance for 1 years to Progressive (from GFE#11) 717.00 904. months to from GFE#11 1000. Reserves Deposited with Lender 1001. Initial deposit for your escrow account (from GFE#9) 570.51 1002.Homeowner's insurance 3 months @$ 59.75/month $179,25 to CU Members Mortgage 1003.Mortgage insurance 1 months @$ 64.62/month $64.62 to CU Members Mortgage 1004.Pro rt taxes months @$ /month 1005.County taxes 12 months @$ 27.23/month $326.76 to CU Members Mort a e 1006.School Tax 7 months 81.65/month $571.55 to CU Members Morta e 1007.Aggregate Adjustment $-571.67 to 1100.Title Charges 1101.Title services and lenders title Insurance from GFE#4 1,066.50 1102. Settlement or closing fee to $ 1103.Owners title insurance-First American Title Insurance Company $ from GFE#5 11.00 1104.Lenders title Insurance-First American Title Insurance Company $949.50 1105.Lender's title policy limit$56,913.00 Lenders Policy 1106.Owners title policy limit$60,100.00 Owner's Policy 1107.Agent's portion of the total title insurance premium $710.17 to Keystone Land Transfer Ltd 1108. Underwriters portion of the total title insurance premium $250.33 to First American Title Insurance Company 1109. 1110.Notary Fee to Kristen D.Shive 10.00 1111.Tax Certification Fee to Keystone Land Transfer,Lh 10.00 1112.Deed Prep Fee to Keystone Land Transfer U( 150.00 1200.Government Recording and Transfer Charges 1201.Government recording charges $ (from GFE#7) 176.00 1202•Deed$79.00 Mortgage$97.00 Release$ to Cumberland County Recorder 1203.Transfer taxes $ (from GFE#8) 601.00 1204.City/County tax/stamps Deed$601.00 Mortgage$ to Cumberland County Recorder 1205.State Taxtstamps Deed$601.00 mortgage$ to Cumberland Count Recorder 501.00 1206. Deed$ mortgage$ to 1300.Additional Settlement Charges 1301.Required services that you can shop for (from GFE#6) 1302. to 1303. to 1304. to 1305. to 1306.Sewer Transfer Fee to East Pennsboro Township 10.00 1307.2014 County Taxes to Debbie Lu Id 366.71 1308.2014 School Taxes to Debbie Lu Id 1,077.84 1309.Inheritance Tax Escrow to Keystone Land Transfer,Ltd 2,622.39 r r _ t r 5,632.22 4,837.94 'Paid outside of closing by(B)orrower,(S)eller,(L)ender,(I)nvestor,Bro(K)er."Credit by lender shown on page 1.-Credit by seller shown on page 1. Previous editions are obsolete Page 2 of 4 HUD-.1 Comparison of Good Faith Estimate(GFE)and HUD-1 Charges Good Faith Estimate HUD-1 Charges That Cannot Increase HUD-1 Line Number Our origination charge # 801 1,641,00 1,641.00 Y our Farm or charge tpoints)tot the spedtic Interest rate chosen # 802 -579.00 -579.00 Your adjusted origination charges # 803 1,062.00 1,06200 Transfer taxes # 1203 1,300.00 601,00 Charges That in Total Cannot Increase More Than 10% Good Faith Estimate HUD-1 Government recording charges # 1201 200.00 176.00 Appraisal fee #804 450.00 475.00 Credit report #805 17.00 17.00 Flood certification # 807 6.50 6.50 Final Inspection Fee # 808 300.00 300.00 Mortgage insurance premium # 902 1,013.251 1,013.25 # # 1.986.751 1,987.75 Increase between GFE and HUD-1 $ 1.00 or 0.0503% Charges That Can Chane Good Faith Estimate HUD-1 Initial deposit for your escrow account # 1001 564.62 570.51 Daily interest charges from # 901 $6.46GO/day 109.82 _ 6.46 Homeowner's insurance # 903 600.00 717.00 Title services and lender's title insurance # 1101 1,600.00 1,066.50 Owner's title insurance-First American Title Insurance Company # 1103 0.00 11.00 . # Loan Terms Your initial loan amount is $58,913.00 Your loan term is 30.years Your initial interest rate is 4.0000% Your initial monthly amount owed for principal,interest,and any mortgage $345.88 includes insurance is Principal QX interest ❑X Mortgage Insurance Can your interest rate dse? Q No. ❑Yes,it can rise to a maximum of %,The first change Oil be on I / and can change again every years after I ! . Every change date,your interest rate can increase or decrease by %. Over the life of the loan,your Interest rate is guaranteed to never be lower than %or higher than %. Even if you make payments on time,can your loan balance rise? XQ No. ❑Yes,it can rise to a maximum of$ Even if you make payments on time,can your monthly amount owed for Q No. ❑Yes,the first increase can be on / / and the monthly principal,interest,and mortgage insurance rise? amount owed can rise to$ The maximum it can ever rise to is$ Does your loan have a prepayment penalty? QX No. ❑Yes,your maximum prepayment penalty is$ Does your loan have a balloon payment? XQ No. ❑Yes,you have a balloon payment of$ due in years on I I Total monthly amount owed including escrow account payments ❑You do not have a monthly escrow payment for items,such as property taxes and homeowners Insurance. You must pay these Items directly yourself. Q You have an additional monthly escrow payment of$168.63 that results in a total Initial monthly amount owed of$514.51. This Includes principal,interest,any mortgage insurance and any items checked below: IK Property taxesX❑Homeowner's insurance E]Flood insurance Q School taxes Q Mortgage Insurance ❑ Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your lender. Previous editions are obsolete Page 3 of 4 HUD-1 Signature Page HUD CERTIFICATION OF BUYER AND SELLER I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief,it is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction.I further certify that I have received a copy of the HUD-1 Settlement Statement.Gregoryyenf�ell Allen Lisa A n Ile ESTATE OF MARTHA ALLEN C-�Glan, ext 74-tie Settlement Agent The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction.I have caused or will cause the funds to be disbursed in accordance with this statement. SETTLEMENT AGENT DATE WARNING:IT IS A CRIME TO KNOWINGLY MAKE FALSE STATEMENTS TO THE UNITED STATES ON THIS OR ANY SIMILAR FORM.PENALTIES UPON CONVICTION CAN INCLUDE A FINE AND IMPRISONMENT.FOR DETAILS SEE TITLE 18:U.S.CODE SECTION 1001 AND SECTION 1010. Previous editions are obsolete Page 4 of 4 HUD-1 11 Credits Name of Borrower: Name of Seiler: File Number: Prepared 12/3112014 at 8:45 am Note:This page displays an itemization of the credits shown In section 200 of the HUD-1 Settlement Statement.This page accompanies but is not a part of the HUD-1 Settlement Statement.If a discrepancy exists,the information on the HUD-1 Settlement Statement applies. Credits Credit OriginationItemization of Your Loan Name of Borrower. Name of Seller: File Number: Gregory Wendell Allen Estate of Martha Allen 14288 Use Ann Allen Prepared 121302014 at 8:45 am Note:This page displays an itemization of the adjusted origination charges shown in section 800 of the HUD-1 Settlement Statemen This page accompanies but is not a part of the HUD-1 Settlement Statement.If a discrepancy exists,the information on the HUD-1 Settlement Statement applies. Your Loan Origination Charges Borrower Seller 801. Our origination charge (Includes Origination Point 0.000.or$0.00) Administrative Fee to CU Members Mortgage $ 999.00 Origination Fee to CU Members Mortgage $ 579.00 Application Fee to CU Members Mortgage $ 63.00 802. Your credit or charge(points)for the specific interest rate chosen Credit to CU Members Mortgage $ -578.00 803. Your adjusted origination charges 1,02.00 0.00 ltenrizaeion of-Line 1 Name of Borrower: Name of Seller: Fite Number. Gregory Wendell Allen Estate of Martha Allen 14288 Use Ann Allen Prepared 12131/2014 at 8:45 am Note:This page displays an itemization of the charges shown on line 1101 of the HUD-1 Settlement Statement.This page accompanies but is not a part of the HUD-1 Settlement Statement.If a discrepancy exists,the information on the HUD-1 Settlement Statement applies. 1100.Title Charges Total Charge Borrower Seller 1101,Title services and lender's title insurance to Wire In Fee to Keystone Land Transfer,Ltd $ 12.00 1200 Overnight Delivery Fee-Package to Keystone Land Transfer,Ltd $ 25.00 25.00 EmallkDoc Copy Fee to Keystone Land Transfer Ud $ 35.00 35.00 Notary Fee to Kristen 0.Shiva $ 45.00 45.00 1102.Settlement or closing fee to $ 0.00 1104.Lenders title insurance-First American Tit to First American Title Insurance Cc$ 949.50 949.50 Totals: $ 1,066.50 0.001 1,056.501 0.0 Seller/Lender credits shown on page 1 POC=Paid Outside Closing CR=Lender Credit 4 i I Previous editions are obsolete Page 1 of 1 HUD-1 Zimmerman r FUNERAL HVME, INC _ 4100 Jonestown Road (717) 5454001 Dale A.Auer, Supervisor Harrisburg, PA 17109 Fax(717)547-6970 Amanda J:Selders. Funeral Director 14023 AS Apr 21 , 2014. Ms. Marianne Allen 18 Sherwood Drive Enola, PA 17025 Martha Allen - Deceased SPECIAL CHARGES Direct Cremation Forwarding Remains Receivinq Remains Immediate Burial Nationwide Guarantee Program Worldwide Travel Pratecti-on , TOTAL SPECIAL CHARGES $0.00 PROFESSIONAL SERVICES X Services of Funeral Director & Staff $1,795.00 X Embalming $725.00 X Dressing/Cosmetizing/Casketing $245.00 Facilities & Staff for Viewing ($250/hour) Facilities & Staff for Funeral Service Facilities & Staff for Memorial Service X Staff & Equipment for Viewing ($250/hour) $250.00 X Staff & Equipment for Funeraj ._Service $615.00 .Staff & Equipment for Memorial Service 'Private Family Viewing Witnessinq the Cremation Packaging/Forwarding of Cremated Remains Personal Delivery of Cremated Remains Scattering of Cremated Remains TOTAL PROFESSIONAL SERVICES $3,630.00 AUTOMOTIVE EQUIPMENT X Removal Vehicle $250.00 X Casket Coach $250.00 Flower car X Lead �Car/Ciergy' Car $195.00 Service Vehicle Family Car TOTAL AUTOMOTIVE EQUIPMENT $695.00 MERCHANDISE Register Book Memorial Cards Thank You Cards Remembrance Package X Casket-Sutton B Brown non-gasketed steel $1,995.00 Cardboard Container Alternative Container X Evans Eagle Wilbert Monticello $1 ,570.00 Veterans Flag Case - Grave/Memortal Marker X Remembrance Package $155.00 TOTAL MERCHANDISE $3,720.00 —.--.,----.-CASii-ADVPiNCED-ITEMS_ X Grave Opening $675.00 Cemetery Equipment Vault Service Charge Xj Patriot News $266.32 Newspaper Notice XClergy $200.00 Church/Organist/Soloist X Flowers .-$148,;-40 Crematory Charge County Coroner Fee X Certified Copies of Death Certificate $24.00 X Satin Heart Pillow $31 .80 TOTAL CASH ADVANCED ITEMS $1 ,345.52 SUMMARYOF CHARGES Special Charges $0.00 Professional Services $3,630.00 Automotive Equipment $695.00 Merchandise - $3,720.00 .Cash Advanced Items $1 ,345. 52 SUB TOTAL S-9,390. 52 CREDITS -$500.00 AMOUNT PREPAID $0.00 TOTAL $8,890. 52 AMOUNT PAID Jan 14, 2015 -$8,890.52 BALANCE DUE $0.00 THIS STATEMENT MAY NOT REFLECT ALL NEWSPAPER CHARGES May 26,2015 Enclosed are the following Satisfaction and Release of Creditor's Claim Forms for the Estate of Martha Allen, Case Number 2014-00405: Bank of America PF Reference#CL576525 $3177.10 Capital One PF Reference#CL567171 $5,641.86 Please process the claim releases and send written acknowledgement to: Marianne Allen,Executrix Estate of Martha Allen 18 Sherwood Circle Enola, PA 17025. Thank you, Marianne Allen,Executrix Estate of Martha Allen BankofAmerica� ESTATE OF MARTHA ALLEN C/O MARY ANN ALLEN 18 SHERWOOD CIR ENOLA PA 17025-1840 April 30,2015 Account number ending in:0537 Estate of Martha Alien: The prior debt from the above charged off account of Martha Allen has been settled. Please accept our condolences for the loss of Martha Allen.We're here to help you through this process. What you need to know The following Satisfaction and Release of Claim statement regarding the account has been signed and is for your records of the Esfate of Martha Allen. Satisfaction and Release of Claim The undersigned creditor,Bank of America,whose Tax Identification Number(TIN)is 51-0331454, has either received full payment of the claim filed by the undersigned against the Estate of Martha Allen;or has otherwise settled or compromised the claim.This Satisfaction and Release of Claim serves to acknowledge the discharge of the claim and to release the Estate and the personal representative of the Estate from all further liability of the account. Date si :Ap(I* 0,2015 " By. Financial Institution Estate Account Manager 1 We're here to help If you have any questions or need assistance,please dont hesitate to call us at 1.888.221.4299 Monday through Thursday 8 a.m,to 6 p.m.and Friday 8 to 5 Eastern. This account is Issued and administered by Stank of America,N.A.Correspondence Can be mailed to Bank of America,PO Box 982238,El Paso,TX 79958-2238. MBM ESSR 1.1 US-EN XQUOWOW=-0000 NOTICE OF CLAIM (Filed Pursuant to 20 Pa.C.S. § 3532) COURT OF COMMON PLEAS OF CUMBERLAND COUN'T'Y,PENNSYLVANIA ORPHANS'-COURT DIVISION ESTATE OF MARTHA ALLEN - ,DECEASED No. 2014-00405 To the Clerk of the Orpb=r ' Court Division: Enter the claim of RANK OF AM MICA xkbnaat} in the.amount of$ 3177.10 ,against the above entitled Estate. -=.T"ire-Decedent;--tvho cd-at~-=-. .._ j3&ed Address} , died on 18/2014 Written notice of ak*efbearh} said claim was given to ,MARIANM ALLEN- (P—ond Jtepresenta w orh&lhw cowimp at 18 SHERWOOD CIRCLE ENO PA 17025 JUN 3 0 20% (Addres) JASON M.N UIS On AiliittO%MD R8WSEiV'fA7M (D�) BANK OF AMERICA N/A N/A P.o.Box 9=8 N/A EL PASO,TX 79"8-2238 (.address} (City;ware Vp) .NIA N/A. Case Number: PF Reference No: 2014-00405 CL576525 CLAIM DETAIL CL576525 IN RE ESTATE OF: MARTHA ALLEN Claim detail is as follows: ************0537 (ORIGINAL ACCOUNT NO: ************9037) BANK OF AMERICA $3,177.10 UNSECURED. THIS CLAIM IS BASED ON AN ACCOUNT FOR GOODS AND/OR SERVICES IN THE AMOUNT OF$3,177.10,EVIDENCED BY ACCOUNT NUMBER************0537. i Claim Balance:$3,177.10 i CWWL r.WA-824140214 rte_ w 7641 Penn Ave South,Suite A650 Ca Minneapolis,MN 55423-5007 .&Nr-M,- ,. Toll-Fme 855-234-1142 7c00 oar-7M pm GT{M Th} £e oe t4s�xt n�i��v Fax 877-326-5689 7:00 am-50. pm CI'(k) Claimant:See attached claim detail Case No.zoia,W" :Acxx�unt No:See attached claim detail AdARLANNE ALIEN 18 SHERWOOD CIRCLE ENOL-1k,PA 17025 FEBRUARY 03,2015 Dear MARIANNE ALLEN Please accept our sincere condolences.We understand this may be a difficult time for you. Enclosed.you:UflndaSatishmuon and.Reieaw of_Creditois-CiwnL Please.check.wlth-the.derk to-detemihw.____--.-- -- - whether you are to file this with the court.This is your copy to prove the estate no longer owes any money on this account Thank you for your help.If you have questions,please contact us toll-free at 1055)234-1142. Cordially, Capital One Estates Cam Tram NOTICE:-PLEME SIRE REVERSE SIDE FOR IWORTANT INFORMATION seuGU'2c�aou��E+o�r • t Page 2 of 2 1. Who.We Are.Capital One Services,LLC is the servicer of the referenced Account unless this letter or a separate communication-has informed the account holder of another current servicer.We are a subsidiary of Capital One, National Association,and service the following Capital-One afnitated companies: Capital One Bank(USA),National Association;and Capital One National Association The name of the creditor has been previously disclosed and is identified for purposes of this letter by the Account number. Z. State and Local Disclosures.If this letter is received in Connecticut.the District of Columbia,Iowa,New York City,or North Carolina,and the Account involves a debt owed primarily for personal,family,household,or other consumer purpose(s),or if this letter is received in Vermont irrespective of the nature of the debt associated with this account,the following disclosure is required by state or local law: This is an attempt to collect a(consumer)debt(claim).Any information obtained will be used for that purpose. The following disciosure is required by state law if the Account involves a debt primarily for personal,family, household,or other consumer purposes)and if this letter is received in Iowa: This communication is from a debt collector. The following disclosure is required by state law if the Account involves a debt primarily for personal,family, household,or other consumer purpose(s)and if this letter is received in Massachusetts: Notice of Important Rights:You have the right to make a written or oral request that telephone calls regarding your debt will not be made to you at your place of employment.Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request.You may terminate this request by writing to the creditor. This is not a complete list of the rights that the account holder might have.The terms above In this Section are defined by applicable state or local law.Pursuant 15 USC 1692a(6)(B)and(F)of the Fair Debt Collection Practices Act,Capital One Services,LLC is not a debt collector under federal law. 3. Electronic Check Conversion.When a check is provided as payment,we are authorized either to use information from the check to make a one-time electronic fund.transfer from your deposit account or to process the payment as a check transaction.When we use information from the check to snake an electronic fund transfer.funds may be withdrawn from the deposit account as soon as the same day we receive the payment,and the sender will not receive the check beck from their financial institution.This authorization is not limited by the date on the check. 4. IRS Reporting of Debt Forgiveness.If we cancel or forgive$600 or more of principal on a debt owed,we must provide a 1099-C tax form.Please consult a tax advisor-and the Instructions accompanying the tax forms for more information. 5. Debt Responsibility.Unless stated otherwise in this communication,the estate of the deceased is responsible for the debt on the account.The estate representative.attorney,or family member is not personally responsible for the debt. 6. Notice of Claim.This letter and any future communication will be used as a notice of claim. s� c �.F�•��or+am IN THE PROBATE COURT IN AND FOR CUMBEKkAND COUNTY IN RE: Estate of MARTHA ALLEN Claimant: See attached claim detail Case No: 2014-00405 Account No: See attached claim detail SATISFACTION AND RELEASE OF CREDITOR'S CLAIM The Claimant(s) listed on the attached claim detail has/have received the sum of$ 5.641,86 as payment in satisfaction of the Claim filed in the above-referenced matter and hereby releases the Estate and Personal Representative from any and all indebtedness relating to the Claim. Dated: FEB 2�1 Signature: Mane Arndt Aut(i6rizec3"Representative _. ...-- Printed Name; ti z Jumauo� Claim Detail CDR2rim IN RE 114Z ATF:OF: MARTHA ALLEN CASEi1VIF:..R 2014-00405 ER RMSENZ NO CL567171 Claim detail is as follows: **#**f******5816 • Capital One $3,641.86 UNSECURED. THE DECEDENT PURCHASED GOODS AND/OR SERVICES IN THE AMOUNT OF$5,641.86, EVIDENCED BY ACCOUNT NUMBER************5816. Claim Balance:$51,641.86 CAPITAL ONE REFERS TO EITHER CAPITAL ONE N.A.OR CAPITAL ONE BANK USA, N.A. om ueuv.cwwrie mouuz� u.Ny s NOTICE OF CLAIM (Filed Pursuant to 20 Pa,C.S. § 3532) COURT OF COMMON PLEAS OF _ CUMBERLAND COUNTY,PENNSYLVANIA ORPHANS'COURT DIVISION ESTATE OF MARTHA ALLEN ,DECEASED No. 2014-00405 To the Clerk of the Orphans' Court Division: Enter the:claim of CAPiTALONE (Claimant) in the amount of$ 5,641.86 ,against the above entitled Estate. The Decedent,who resided at - {SrieetAddressj died on V18/2014 Written notice of aweafDonh) said claim was given to MARIANNE ALLEN (Per and Reproentati a orh&lkw counsel) at IS SHERWOOT�i' CIRCLE ENOLA,PA 17025 (A ) on Nia T.Ij=EF CAPITAL ONE N/A N/A 7601 PENN AVE SOUTH,SUM A650 (Claimants Counsel) (supreme Cmal LD.No.) (SYieet Addr-s) NIA MQINEAPOIds,And 55423 (Addresr) (City,Stator Zip) "N/A N/A Form OC-07 rev.1.0.13.06 xmus .. . rn Hann Ka . �?yi{ Claim Detail j n.TTM E .'It' F;:-MARTHA ALLEN CASE 1 alk8 ;;?014-00405 CL567171 - *5816 C"IT ONE S5,641.86 UNSECURED. THE DECEDENT PURCHASED GOODS AND10R SERVICES IN THE AMOUNT OF$5,641.86, EVIDENCED BY ACCOUNT NUMBER************5816. !QWM BdWQC:$5,641.86 y`' ; CAPITAL ONE REFERS TO EITHER CAl"ITAL.ONE N.A.OR C"ITAL ONE BANK USA,