HomeMy WebLinkAbout06-05-15 (2) .I1505610140
REV-1500 EX (02-11)(FI)
OFFICIAL USE ONLY
PA Department of Revenue CountyCade Year File Number
Bureau of Individual Taxes
PO BOX 280601 INHERITANCE TAX RETURN 2 1 1 5 0 0 2 1
Harrisburg, PA 17128-0601 RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY
1 2 1 0 2 0 1 4 0 7 1 5 1 9 3 0
Decedent's Last Name Suffix Decedent's First Name MI
ZIMMER DARLENE M
(If Applicable)Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix Spouse's First Name Mi
Spouse's Social Security Number
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
Q 1.Original Return 2.Supplemental Return 3.Remainder Return(Date of Death
Prior to 12-13-82)
4.Limited Estate 4a.Future Interest Compromise(date of 5. Federal Estate Tax Return Required
death after 12-12-82)
6.Decedent Died Testate 7.Decedent Maintained a Living Trust - 8.Total Number of Safe Deposit Boxes
(Attach Copy of Will) (Attach Copy of Trust.)
9. Litigation Proceeds Received 10.Spousal Poverty Credit(Date of Death n 11.Election to Tax under Sec.9113(A)
Between 12-31-91 and 1-1-95) (Attach Schedule O)
CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
DAV I D W . READER 7 1 7 7 6 3 1 3 8 3
REGISTER OF WILLS USE ONLY
ry
C=
First Line of Address c.rl
r�
2331 MARKET STREET a
Second Line of Address mY 3 t
City or Post Office State ZIP Code DATE FILED
CAMP HI L L PA 1 7 0 1 1
} ry I"r1
ry CO CD
Correspondent's e-mail address: DWREAGEROREAGERADLERPC.COM '
Under penalties of perjury,I declare that I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief,
it is true,correct and complete.Declaration of prepay r other than the personal representative is based on all information of which prepay r hasany knowledge.
RE PER S BLE FOR FILI G URN D
/07
A RESS
EAST RED GOLD C 7 LE CAMP HILL PA 17011
SIGNATURE OF PREPARE T R AN EPR NTATIVE D TE
l
ADDRESS
2331 MARKET A 'EET CAMP HILL PA 17011
PLEASE USE ORIGINAL FORM ONLY
Side 1
1505610140 1505610140 J
1505610240
REV-1500 EX(FI) Decedents Social Security Number
Decedent's Name: DARLENE M. ZIMMER
RECAPITULATION
1, Real Estate(Schedule A) .... . ... .. ............. .... . . . . .. . ...... ... 1. 2 4 8 0 0 0 . 0 0
2. Stocks and Bonds(Schedule B) ... ......... ........... .... . . . . .. 2.
3. Closely Held Corporation, Partnership or Sole-Proprietorship(Schedule C) . . . . . 3.
4. Mortgages and Notes Receivable(Schedule D) . . . . . . . . . . . . . . . . . . . . . . . . . . 4.
5. Cash,Bank Deposits and Miscellaneous Personal Property(Schedule E). 5. 5 2 9 1 0 3 . 9 3
6. Jointly Owned Property(Schedule F) EJ Separate Billing Requested 6.
7. Inter-Vivos Transfers&Miscellaneous N Probate Property
(Schedule G) t Separate Billing Requested . . . . . . . 7. 1 5 4 1 0 9 . 5 9
8. Total Gross Assets(total Lines 1 through 7) . . . . . . . . . . . . . . . . . . . . . . . . . . . 8. 9 3 1 2 1 3 . 5 2
9. Funeral Expenses and Administrative Costs(Schedule H) . . . . . . . . . . . . . . . . . . 9. 1 3 2 1 2 . 7 0
10. Debts of Decedent,Mortgage Liabilities,and Liens(Schedule 1) ... ........ 10. 1 3 9 6 . 3 1
11. Total Deductions(total Lines 9 and 10) . ....... . . . .. . .. . . . 11. 1 4 6 0 9 . 0 1
12. Net Value of Estate(Line 8 minus Line 11) . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12. 9 1 6 6 0 4 . 5 1
11 Charitable and Governmental Bequests/Sec 9113 Trusts for which
an election to tax has not been made(Schedule J) . . . . . . . . . . . . . . . . . . . . . . 13.
14, Net Value Subject to Tax(Line 12 minus Line 13) . .. . ...... ...... .. . . .. 14. 9 1 6 6 0 4 • 5 1
TAX CALCULATION-SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate,or
transfers under Sec.9116
(a)(1.2)X.0 0 . 0 0 15. 0 . 0 0
16. Amount of Line 14 taxable
at lineal rate X-045_ 9 1 6 6 0 4 . 5 1 16. 4 1 2 4 7 . 2 0
17. Amount of Line 14 taxable
at sibling rate X.12 0 . 0 0 17. 0 . 0 0
18. Amount of Line 14 taxable
at collateral rate X.15 0 . 0 0 18, 0 . 0 0
19. TAX DUE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . ... . . . . . . . . . . 19. 4 1 2 4 7 . 2 0
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT IR
Side 2
1505610240 1505610240
nEVwmmsx(Fl) Page o File Number
�1 15 DD21
Deceden�s ����00ple�nAdd�ss:
DECEDENT'S NAME
STREET ADDRESS
3804 OXBOW DRIVE
CITY STATE ZIP
CAMP HILL PA 117011
Tax Payments and Credits:
1. Tax Due(Page 2.Line 18) (1) 41,247.20
l Credits/Payments
A.Prior Payments 39,217.48
B.Discount 2,062.36
Total Credits(A+B) (2) 41,279.84
I Interest
4. |fLine 2imgreater than Line i +Line 3.enter the difference.This iathe OVERPAYMENT.
Fill|noval onPage 8.Line 2O10request mrefund. (4) 32.64
5. 8Line 1+Line 3iugreater than Line 2.enter the difference.This iothe TAX DUE. (5) 0.00
Make check payable to: REGISTER <lFWILLS, AGENT
-
PLEASE ANSWER ANSWER THE FOLLOWING QUESTIONS BY PLACING AN °X° IN THE APPROPRIATE BLOCKS
1. Did decedent make utransfer and: Yes No
a, retain the use nrincome of the property transferred --------.----------''---'
El 191
b retain the right bdesignate who shall use the property transferred mits income ...............................
El nX
c. retain areversionary interest ---------------------------------' LJ n
[� [X
d. receive the promise for life ofeither payments,benefits mcare? ------------------.
2. If death occurred after December 12,1982,did decedent transfer property within one year of death
without moa�ngodequ�emm�de�hon? ----------------------------- LJ 171[�
3. Did decedent own am'in trust for"or bank account or security athis mher death? --- �[�
�
4. Did decedent own onindividual retirement account,annuity orother non-probate property,which
[� [�
contains abeneficiary designation? ....... ........... — ....... .................... ....................... ........ ...........
IF THE ANSWER TOANY OpTHE ABOVE QUESTIONS|SYES,YOU MUST COMPLETE SCHEDULE GAND FILE|TAGPART OFTHE 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
ia3percent[72P.S.§9118(a)(11)UD.
For dates ofdeath onovafter 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
[72P.G.§8118(o)(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 no 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 mxastepparent ofthe child isOpercent[72P.G.§8118(a)(1.0l
* The tax rate imposed onthe net value uftransfers boorfor the use ofthe decedents lineal beneficiaries io4.Gpercent,except oonoted inF2P.S.8g11V(a)(1)].
* The tax rate imposed on thenet value o/transfers hoorfor the use nfthe dems enfnsiblingais12porcent 172P G9110(a)M.3)].Asibling iodefined,
under Section 81O2.aoanindividual who has atleast one parent incommon with the decedent,whether byblood oradoption.
REV-1502 EX+(12-12)
pennsylvania SCHEDULE A
DEPARTMENT OF REVENUE
REAL ESTATE
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
DARLENE M. ZIMMER 21 15 0021
All real property awned 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
3804 OXBOW DRIVE, CAMP HILL, PA 17011 -SEE ATTACHED 248,000.00
DATE OF DEATH APPRAISAL
TOTAL(Also enter on Line 1,Recapitulation.) $ 248,000.00
If more space is needed,use additional sheets of paper of the same size.
REV-1508 EX+(08-12)
pennsylvania SCHEDULE
DEPARTMENT OF REVENUE CASH, BANK DEPOSITS & MISC.
INHERITANCE TAX RETURN
RESIDENT DECEDENT PERSONAL PROPERTY I
ESTATE OF: FILE NUMBER:
DARLENE M. ZIMMER 21 15 0021
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. M &T BANK-CHECKING ACCOUNT ENDING IN#6262 2,629.68
499 MITCHELL ROAD
MILLSBORO, DE 19966
2. M&T BANK-CHECKING ACOCUNT ENDING IN#0675 36,443.39
499 MITCHELL ROAD
MILLSBORO, DE 19966
3. HAVERFORD INVESTMENT ACCOUNT ENDING IN#34 476,657.00
THREE RADNOR CORPORATE CENTER, SUITE 450
RADNOR, PA 19087
4. PERSONAL PROPERTY 1,000.00
5. MANOR CARE REFUND 1,603.00
6. MANOR CARE REFUND 2,422.55
7. GENWORTH LTC 811.15
8. GENWORTH LTC 1,600.00
9. GENWORTH LTC 4,100.00
10. 2014 FEDERAL INCOME TAX REFUND 1,134.00
11. HOLY SPIRIT REFUND 215.37
12. METROPOLITAN LIFE DIVIDEND 15.05
13. MANOR CARE REFUND 472.74
TOTAL(Also enter on Line 5,Recapitulation) $ 529,103.93
If more space is needed,use additional sheets of paper of the same size.
REV-1510 EX+(08-09)
pennsylvania SCHEDULE G
DEPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND
INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
DARLENE M. ZIMMER 21 15 0021
This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes.
DESCRIPTION OF PROPERTY
ITEM INCLUDE THE NAME OF THE TRANSFEREE,THEIR RELATIONSHIP TO DECEDENT AND DATE OF DEATH %OF DECID S EXCLUSION TAXABLE
NUMBER THE DATE OF TRANSFER.ATTACH ACOPY OF THE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST (IFAPPLICABLE) VALUE
1. AMERICAN GENERAL ANNUITY- 1/3 TO 50,373.48 33.333 0.00 16,790.99
LINDA J. PATERSON - DAUGHTER
PO BOX 871,AMARILLO, TX 79105-0871
2. AMERICAN GENERAL ANNUTY- 1/3 TO 50,373.48 33.33 0.00 16,789.48
KERRY W. ZIMMER-SON
PO BOX 871, AMARILLO,TX 79105-0871
3. AMERICAN GENREAL ANNUITY- 1/3 TO 50,373.48 33.33 0.00 16,789.48
LORI A. ZIMMER-DAUGHTER
PO BOX 871, AMARILLO, TX 79105-0871
4. HAVERFORD-IRA- 1/3 TO 103,750.00 33.33 0.00 34,579.88
LINDA J. PATERSON - DAUGTHER
THREE RADNOR CORP. CENTER, RADNOR, PA 19087
5. HAVERFORD-IRA- 1/3 TO 103,750.00 33.33 0.00 34,579.88
KERRY W. ZIMMER -SON
THREE RADNOR CORP. CENTER, RADNOR, PA 19087
6. HAVERFORD- IRA- 1/3 TO 103,750.00 33.33 0.00 34,579.88
LORI A. ZIMMER-DAUGHTER
THREE RADNOR CORP. CENTER, RADNOR, PA 19087
TOTAL (Also enter on Line 7,Recapitulation) $ 154 109.59
If more space is needed,use additional sheets of paper of the same size.
REV-1511 EX+(08-13)
pennsylvania SCHEDULE H
DEPARTMENT OF REVENUE FUNERAL EXPENSES AND
INHERITANCE TAX RETURN ADMINISTRATIVE COSTS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
DARLENE M. ZIMMER 21 15 0021
Decedents debts must be reported on Schedule I.
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
1. MYERS-HARNER FUNERAL HOME 1,448.00
Z FUNERAL RECEPTION -VISAGGIO'S RESTAURANT 3,824.20
B. ADMINISTRATIVE COSTS:
1. Personal Representative Commissions:
Name(s)of Personal Representative(s)
Street Address
City state ZIP
Year(s)Commission Paid:
2. Attorney Fees: REAGER &ADLER, PC 7,000.00
3, Family Exemption:(It decedents address is not the same as claimants,attach explanation.)
Claimant
Street Address
City state ZIP
Relationship of Claimant to Decedent
4. Probate Fees: CUMBERLAND COUNTY REGISTER OF WILLS 690.50
5. Accountant Fees: JIM HOLLAND, CPA 250.00
6. Tax Return Preparer Fees:
7.
TOTAL(Also enter on Line 9,Recapitulation) $ 13,212.70
If more space is needed,use additional sheets of paper of the same size.
REV-1512 EX+(12-12)
pennsyivania SCHEDULE I
DEPARTMENT OF REVENUE DEBTS OF DECEDENT,
INHERITANCE TAX RETURN MORTGAGE LIABILITIES& LIENS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
DARLENE M. ZIMMER 21 15 0021
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. EAST PENNSBORO AMBULANCE SERVICES 155.00
2. CAMP HILL EMERGENCY PHYSICIANS 6.89
3. HEARTLAND PHARMACY 244.30
4. HOLY SPIRIT EMS 134.05
5. REAL ESTATE APPRAISAL-3804 OXBOW DRIVE, CAMP HILL, PA 17011 400.00
6. METRO BANK ESTATE CHECKING ACCOUNT CHECKS 32.30
7. STAPLES-COPIES AND SUPPLIES 16.19
8. USP CERTIFIED MAIL 23.88
9. STAMPS 14.70
10. 2014 PENNSYLVANIA INCOME TAX 369.00
TOTAL(Also enter on Line 10,Recapitulation) $ 1,396.31
If more space is needed,insert additional sheets of the same size.
REV-1513 EX+(01-10)
pennsylvania SCHEDULE
DEPARTMENT OF REVENUE BENEFICIARIES
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
DARLENE M. ZIMMER 21 15 0021
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE
1.
TAXABLE DISTRIBUTIONS [Include outright spousal distributions and transfers under See.9116(a)(1.2).]
1 LINDA J. PATERSON Lineal 296,117.33
8 EAST RED GOLD CIRCLE
CAMP HILL, PA 17011
2. KERRY W. ZIMMER Lineal 296,117.32
149 MILLERS GAP RAOD
ENOLA, PS 17025
3. LORI A. ZIMMER Lineal 299,369.86
3804 OXBOW DRIVE
CAMP HILL, PA 17011
4. KARISSA ZIMMER Lineal 10,000.00
4140 KITTATINNY DRIVE
MECHANICSBURG, PA 17050
5. ASHLEY MACHADO Lineal 10,000.00
232 E. LAKE RIM LANE
BOISE, ID 83716
6. MADALYN MACCONNELL, C/O KARISSA ZIMMER Lineal 5,000.00
4140 KITTATINNY DRIVE
MECHANICSBURG, PA 17050
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET,AS APPROPRIATE.
NON-TAXABLE DISTRIBUTIONS:
A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN:
1.
B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS:
TOTAL OF PART 11-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $
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Kurt Eby Real Estate Appraisals
File No.
Case No.
- Uniform Residential Appraisal Report
The purpose of this summary appraisal report is to provide the lenderlclient with an accurate and adequately supported, inion of the market value of the sub'ect property.
Property Address 3804 Oxbow Drive city Camp Hill State PA Zip Code 17011-1447
Borrower Zimmer,Darlene,Estate Owner of Public Record Zimmer,Harold A.&Darlene County Cumberland
Legal Description Attached
Assessor's Parcel# 10-20-1848-083 Tax Year 2014 R.E.Taxes$ 2,482.32
Neighborhood Name Plnebrook Map Reference Metro 2847-FS Census Tract 0113.04
Occupant Owner I X Tenant Vacant S eclat Assessments S n/a PUD HOA$ n/a per year month
Property Rights ARPraised X I Fee Sim le Leasehold Other describe
Assignment T Purchase Transaction Refinance Transaction X Other describe Appraisal for marketing and settlement of the Estate
Lender/Client Linda J.Paterson,Executrix Address 8 E.Red Gold Circle,Camp Hill,PA 17011
Is the sub'ect property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? Yes I X I No
Report data sources used offerings ices and date(s). Central Penn Multi-list
I 0 did X 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. This Is not a sale transaction
Contract Price$ Date of Contract Is the property seller the owner of oublic record? Yes No Data Source(s)
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? Yes LJ No
If Yes report the total dollar amount and describe the items to be paid.
Note:Race and the racial composition of the neighborhood are not appraisal factors.
NeighbalaodChuactetistics -..r,. "One Unittiaisi' Trends, t)tte UtatHousbrg ;,PresetkUndt)"%
Location Urban X Suburban Rural Pro rtValues IncreasingX Stable Declininq PRICE AGE One-Unit 100%
•
Built-Up X Over 75%1 125-75% 1 1 Under 25% Demand/Supply Demand/SupplyShortage LJ In Balance over $ 000 (yrs) 2-4 Unit 0 %
Growth Rapid I X I Stable Slow Marketin Time I X I I1nds3rtAts 13.6mths Over6rtdts 150 Low 28 Multi-Family 0 %
Neighborhood Boundaries I consider the neighborhood to encompass the residential development known as'Plnebrook.' 350 High 52 Commercial 0 %
• The extremities of the market value range were omltted from the neighborhood value range. 240 Pred. 40 1 Other %
Neighborhood Description The neighborhood Is located approximately two miles west,northwest of the center square of Camp Hill. Private transportation Is necessary to reach
most amenities,which Is typical In this marketplace. The neighborhood offers typical suburban living with pleasant residential views.
Market Conditions(including support for the above conclusions According to the Home Price Index,of Freddie Mac,the Metropolitan Statistical Area of Harrisburg-Cadisle,had
0.4 percent appreciation from October 1 of 2013 through September 30 of 2014.More recent statistics have not been published.
Dimensions 100'x 130' Area 0.30 acres Shape Rectangular View Residential/Park
Specific Zoning Classification R-S Zoning Descri tion Residential Suburban District
ZoningX Compliance Le al Legal NoZi-iformin Grandfathered Use No Zonin llle al describe
Is the highest and best use of sub ect property as improved or as proposed per plans andspecifications)the present use? FX Yes n No If No describe.
Utilities Public Other describe Public Other describe Off-site Improvements--Type Public Private
Electricity LXlWater I X Street Asphalt I X
Gas I X I I I Sanitary Sewer I X Alley None
FEMA Special Flood Hazard Area Flyes X No FEMA Flood Zone X FEMA Ma # 42041CO277E FEMA Ma Date 03/16/2009
Are the utilities and/or off-site improvements typical for the market area? X Yes No If No describe.
Are there an adverse site conditions or external factors easements encroachments environmental conditions land uses etc.)? X Yes No If Yes descr be.
The site Is maintained Ina lawn and has mature trees and shrubbery.The garage Is accessed via a steep driveway. The existing use as a single-family house conformsto the
existing zoning ordinance.It was built as a single-family house and has been used as such since It was constructed.There are no known market trends In the area Indicating a
conversion to a different property use.
General.Despf Uon « 4ourdation, kztetior,Descri tion =`matefi,�s(o0nditioriInterior, :; yinateriaL condition
Units X One One with Accessory Unit Concrete Slab Crawl Space Foundation Walls Concrete Block-Avg. Floors Hdwd/Cpt/Vin-Fair
#of Stories 2 X I Full Basement Panial Basement Exterior Walls Vinyl&Stone-Average Walls Drywall-Average
Type I X I Det.1 I Att.I I S-Det./End Unit Basement Area 1,007 sq.ft. Roof Surface Composite Shingle-Good Trim/Finish Wood-Average
X Existin ProDose Under Const. Basement Finish 30 % Gutters&Downs Aluminum-Good Bath Floor Vinyl Tile-Average
Desi n(Style I Outside Entry/Exitl JSumpPump Window Type Wood Casement-Avg/Fair Bath Wainscot Corfan/Tlle-Gd/Av
Year Built 1968 Evidence of n Infestation Storm Sash/Insulated Thermo pane-Average Car Storage I I None
Effective A e(Yrs) 30 Dam ness Settlement Screens Yes-Avera e x I Driveway #of Cars 2
Attic I I None Heatin X FWA HWB Radiant Amenities I Woodstove s # DrivewaySurface Asphalt-Average
FX_1 Droo Stair Stairs Other lFuel Gas X Fire laces# 1 Fence X Gara e #of Cars 2
Floor Scuttle CoolingX Central Air ConditioningPatio/Deck X Porch Enclosed Ca #of Cars 0
Finished Heated Individual Other Pod Other X - I IDet. I IBuilt-in
ADDliancesl I Refrigerator I X I Range/Oven X Dishwasher X h--' X Microwave1 Washer/D er X Other describe Integral hood-fan
Finished area above rade contains: 8 Rooms 4 Bedrooms 2.5 Baths 2,107 Square Feet of Gross Living Area Above Grade
• Additional features(special energy efficient items etc. Slate floor In foyer,central humidifier&electronic air cleaner,water softener,electric garage door
Describe the condition of the property(includingneeded repairs,deterioration,renovations remodeling,etc.. In general,the subject has been maintained In average
condition.The roof was recently replaced,the chimney was repaired and both baths were remodeled 8 years ago,per occupant.
Are there any physical deficiencies or adverse conditions that affect the livability,soundness or structural integrity of the o rt7 Yes I X I No If Yes,describe
Does the oroperty ggnerallyconform to the neighborhood functional ufilhv.style,condition use construction etc. X Yes I I No If No describe
Freddie Mac Form 70 March 20)5 Fannie Mae Form 1004 March 2005
Produced by ClickFORMS Software 800-622-8727 Page 1 of 22
Kurt Eby Real Estate Appraisals
File No.
Case No.
Uniform Residential Appraisal Report
There are 1 comparable properties currently offered for sale in the subject neighborhood ranging in price from$ 150,000 to$ 350,000
There are 11 com arable sales in the subject n6iihborhood within the past twelve months rdn*q in sale price from$ 150,000 to$ 350,000
FEATURE SUBJECT COMPARABLE SALE#1 COMPARABLE SALE#2 COMPARABLE SALE#3
Address 3804 Oxbow Drive 3808 Copper Kettle Road 512 Orrs Bridge Road 50 Gale Road
Camp Hill,PA 17011-1447 Camp Hili,PA 17011 Camp Hill,PA 17011 Camp Hill,PA 17011
Proximity to Subject - 0.08 miles SE 0.62 miles N 0.45 miles E
Sale Price $ 254,000 .;.`» $ 219,000 _:. MES R$ 239,900
Sale Price/Gross Liv.Area $ 0.00 sq.ft$ 119.36 sq.ft. '$ 101.67 s fl€�� . .; 8 128.15 sq.ft.I
Data Source(s) MLS/Cumberland Tax Data MLS/Cumberland Tax Data MLS/Cumberland Tax Data
'
Verification Sources Ustin Agent Usting Agent Ustln A nt
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION +-$Adjustment DESCRIPTION +• $Ad`ustment DESCRIPTION +- $Ad`ustment
Sale or Financing ks Conventional VA Conventional
Concessions Sales Concessions -5,OOC Sales Concessions -8,919 No Concessions
Date of SalelTime �, `g :=� 12/05/2014 4/29/2014 6/20/2014
Location Suburban/Avg Suburban/Avg Suburban/Inferior +10,000 Suburban/Avg
Leasehold/Fee Sime Fee Simple Fee Simple Fee Simple Fee Simple
Site 0.30 acres 0.28 acres 0.26 acres 0.22 acres
View Residential/Park Residential +1,000 Residential
+1'OOC Residential +1,00
Desian(Style) Colonial Colonial Colonial Colonial
Quality of Construction Avg/Fram&Stone Avg/Frame&Brick Avg/Frame&Brick Avg/Frame&Brick
Actual Acte 47 yrs 47 yrs 42 yrs 1 51 yrs
Condition Average/Fair Avg/Good .5,50C Average -3,50 Avg/Good -5,50
Above Grade Total lBdrmsl Baths Total Bdrms Baths Total Bdrms Baths Total Bdrms Baths
Room Count 8 1 4 1 2.5 8 1 4 1 2.5 8 4 1 2.5 8 4 2.5
Gross Living Area 2,107 sq.ft 2,128 sq,ft. C 2,154 s ,ft. C 1,872 s .R. +5,87
Basement&Finished Full Basement Full Basement Full Basement Full Basement
Rooms Below Grade 30%Fin-Rec Rot Unfinished +2,OOC Unfinished +2,00 100%Fln-FR,.5 Bth -5,00
Functional Utility Average Average I Average Average
Heating/Cooling Gas FWA/Central Gas FWA/Central Ht Pmp/Central +3,00q Gas HWBB/Central
Ener_qy Efficient Items Standard Standard Standard Standard
Garage/Carport 2Car Attached 2Car Attached 2Car Attached 2Car Attached
Porch/Patio/Deck Enclosed Porch Sm Coy Pch;Patio +2,OOC Sm Cov Pch;Patlo +2,ODC Patio +3,00
e Fireplaces 1 Fireplace 1 Fireplace 1 Fireplace 1 Fireplace
Remod Baths Remod Baths Remod Baths Remod Baths
Updated Kitchen -5,00
e Net Ad'ustmen[(Total) , ' + 1$ -5,500 1 FXJ+F 5,581 1 + X IS -5,625
Adjusted Sale Price ro� NetAdj:-2% NetAdj:3% NetAdj:-2%
of Com rabies ^Gross Ad`:6% $ 248,500 Gross Ad`:14% $ 224,581 Gross Ad`:11°h I$ 234,275
I I X I did did not research the sale or transfer history of the subject property and comparable sales.If not,explain
M research F1601 did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal.
Data sources Cumberland County Tax Assessment Database
My research I Ididix I did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale.
Datasources Cumberland County Tax Assessment Database
Re ortthe results of the research and analysis of the Drior sale or transfer history of the subject Drooerty and comparable sales(reDon additional prior sales on page 3).
ITEM SUBJECT COMPARABLE SALE#1 COMPARABLE SALE#2 COMPARABLE SALE#3
Date of NorSale/Transfer 4/08/1968 12/23/2013 4/29/1977 5/01/2006
Price of Prior Salerrransfer $4,750 $240,573 $57,500 $235,901
Data Sources Deed Cumberland CountyTax Data Cumberland County Tax Data Cumberland County Tax Data
Effective Date of Data Sources 1/11/2015 1/11/2015 1/11/2015 1/11/2015
Analysis of prior sale or transfer history of the subject property and comparable sales n/a
Summary of Sales Comparison Approach All comparables are located within the same political subdivision as the subject property. I have favored comparable sale#1,in
estimating the most probable selling price of the subject property,as it appears to be the most similar and is located within the same residential development as the subject
property.
Indicated Value by Sales Comparison Approach 248,000
II
Indicated Value b :Sales Com arison A roach$ 248,000 Cost A oach if develo ed $ 0 Income A roach if develo e $ n/a
have favored the Sales Comparison Analysis only,in estimatingthe most probable selling price ofthe subject property,as K Is the most reliable method In estimatlngthe market
value.
XThis appraisal is made "as is," subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been
completed,❑subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed,or Elsubject to the
following re ulred Inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair:
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 appraisef's certification,my(our)opinion of the market value,as defined,of the real property that is the subject of this report is
248,000 as of 12/10/2014 which is the date of inspection and the effective date of this appraisal.
Freddie Mac Form 70 March 2005 Fannie Mae Form 1004 March 2005
Produced by ClickFORMS Software 800-622-8727 Page 2 of 22
Kurt Eby Real Estate Appraisals
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' Uniform Residential Appraisal Report Case No.
1. The Intended User of this appraisal report Is the Lender/Client If the borrower obtains a copy of this report,it should not be relied upon for any purpose as the borrower IS
NOT an Intended user.The Intended Use Is to evaluate the property that is the subjectofthis 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.
PRIVATE INFORMATION ABOUTTHE CLIENT OR BORROWER CONTAINED IN THIS REPORT MAY NOT BE DISTRIBUTED TO ANY OTHER INDIVIDUAL OR ENTITY.THIS INFORMATION
IS SUBIECTTOTHE FEDERAL TRADE COMMISSION,PRIVACY OF CONSUMER FINANCIAL INFORMATION;FINAL RULE,16 CFR PART 313.
2. Scope of the Appraisal:1 have Inspected the Interior and extedorof the subject property and have measured the finished living areas from the extedorof the Improvements,
based upon ANSI(American National Standards Institute)guidelines.l have not Inspected the attic,if not a walk-up,or any crawl spaces.I have not moved any personal
property or furniture to Inspect the house or gain access to blocked areas.I did not test the water quality or water pressure.I did not verify that building permits were Issued
pdor to construction of the structure or any structural additions,or any structural conversions.Mineral,timber and or sub-surface gas rights are not Included or considered In
this appralsal.The primary source of data used In the collection of sales was obtained from the local Multiple Usting Service,unless I have previously Inspected the property.I
have Inspected and photographed the sales used as comparables,from the public street(when possible).I have verified the sales data of the comparables(Including the
square footage,age,site size,consideration and date of recordlnio via the Internet on a website of the appropriate county tax assessment database.If the basement sizes are
not available in the tax assessment database that is available via the Internet,their sizes were estimated.I reviewed the interior photographs of the sales in the MLS,to
determine thelr condition and degree of personalization of the Interior decor at the time of the sale;and any featured Improvements such as updated kitchens,baths and
finished basements.Sales used as comparables are voluntary,"arms-length"transactions,similar physically and In type of location,and areas recent as possible.Data from
numerous sales Is obtained for comparison to the subject property.The sales selected as comparables are considered to be the most representative ofthe subject property.
Dollar adjustments are made for differences between the subject property and the comparables,to reflect market reaction to items of significant variation.
3. Although there is a gas space heater in the enclosed porch,I consider itto be a porch and not finished living area.
4. Adjustments In the Sales Comparison Analysis:Adjustments were made to comparables 1 and 2 for the sales concessions paid by the sellers on behalf of the buyers.This
adjustment Is necessary to convertthe selling prices to cash equivalency.A location adjustment was made to comparable 2 as Itfronts along Orrs Bridge Road,which Is a major
collector street and has more traffic than the location of the subject and the other comparables.The condition adjustments are to account for the curable physical depreciation.
I believe the balance of the adjustments are self-explanatory.
S. This appraisal Is a correction of the appraisal.The labels of the bathrooms have been changed on the photo pages and the note pertaining to the condition of the house,at
• the bottom of the first page has been modified.Date of chan a 01/11/2015.
COST APPROACH TO VALUE(not required by Fannie Maea '.
Provide ad � � h
uate information for the lenderlclient to replicate your cost Ti ores and Ealculations.
Su ort for the opinion of site value(surnmary of comparable land sales or other methods for estimating site value
ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE =$
Source of cost data Dwellinci 2,107 Sq.Ft.@$ 0.00 =$ 0
Quality rating from cost service Effective date of cost data Bsmt. 1,007 Sq.Ft.@$ 0.00 =$ 0
Comments on Cost Approach(cross living area calculations depreciation,etc.
Due to the age of the structural improvements,the physical depreciation is difficult to GaraqeJCarDOrt 528 Sq.Ft.@ S 0.00 =$ 0
• determine.The Cost Approach Is not required If the house Is over one year old. Total Estimate of Cost-new =$ 0
Less Ph sical Functional External
De reciation 0 =$ 0
Depreciated Cost of Improvements =$ 0
"As-is'Value of Site Improvements =$
Estimated Btmaiuiqg Economic Life HUD and VA only) Years Indicated Value By Cost Approach =$ 0
INCO E APPROACH'TOVALUE not---U b Fannie Mae.
Estimated Monthly Market Rent$ n/a X Gross Multiplier n/a =$ n/a Indicated Value b Income Approach
Summa of Income Approach(including support far market rent and GRM I do not have Information pertaining to rents of similar pe properties to complete the Income
Approach.
ti PROJECTINFORMATIONFORPUOs rfa licable
Is the develo r/builder in control of the Homeowner's Association HOA 7 Yes No Unitt s Detached Attached
Provide the followin information for PUDs ONLY if the developer/builder is in control of the HOA and the sub'ect propertyis an attached dwellingunit.
L al 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 project created b the conversion of existingbuilding(s)into a PUD? Yes No If Yes date of conversion.
Does the o'ect contain an multi dwelli units? Yes No Data source.
Are the units common elements and recreation facilities complete? Yes No If No describe the status of completion.
Are the common elements leased to orb the Homeowners Association? Yes No If Yes describe the rental terms and tions.
Describe common elements and recreational facilities.
Freddie Mac Form 70 March 2005 Fannie Mae Form 1004 March 2005
Produced by CIIckFORMS Software 800-622-8727 Page 3 of 22
Kurt Eby Real Estate Appraisals
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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 specked 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 speck 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.
S.The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that Is subject to satisfactory
completion,repairs,or alterations on the assumption that the completion,repairs,or alterations of the subject property will
be performed In a professional manner,
Freddie Mac Form 70 March 2005 Fannie Mae Form 1004 March 2005
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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,speck 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 sates 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,verged,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 taaka.1 have not authorized anyone to make a change to any Item
In this appraisal report;therefore,any change made to this appraisal Is unauthorized and I will take no responsibility far It.
20.I identified the lender/client in this appraisal report who is the individual,organization,or agent for the organization that
ordered and will receive this appraisal report.
Freddie Mac Form 70 March 2005 Fannie Mae Form 1004 March 2005
Produced by ClickFORMS Software 800-622-8727 Page 5 of 22
Kurt Eby Real Estate Appraisals File No.
Case No.
Uniform Residential Appraisal Report
21.The lender/client may disclose or distribute this appraisal report to:the borrower;another lender at the request of the
borrower,the mortgagee or its successors and assigns;mortgage insurers;government sponsored enterprises;other
secondary market participants;data collection or reporting services;professional appraisal organizations;any department,
agency,or instrumentality of the United States;and any state,the District of Columbia,or other jurisdictions;without having to
obtain the appraiser's or supervisory appraiser's(f applicable)consent.Such consent must be obtained before this appraisal
report may be disclosed or distributed to any other party(including,but not limited to,the public through advertising,public
relations,news,sales,or other media).
22.1 am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain
laws and regulations.Further,I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice
that pertain to disclosure or distribution by me.
23.The borrower,another lender at the request of the borrower,the mortgagee or its successors and assigns,mortgage
insurers,government sponsored enterprises,and other secondary market participants may rely on this appraisal report as part
of any mortgage finance transaction that involves any one or more of these parties.
24.If this appraisal report was transmitted as an"electronic record"containing my"electronic signature,"as those terms are
defined in applicable federal and/or state laws(excluding audio and video recordings),or a facsimile transmission of this
appraisal report containing a copy or representation of my signature,the appraisal report shall be as effective,enforceable and
valid as if a paper version of this appraisal report were delivered containing my original hand written signature.
25.Any intentional or negligent misrepresentation(s)contained in this appraisal report may result in civil liability and/or
criminal penalties including,but not limited to,fine or imprisonment or both under the provisions of Title 18,United States
Code,Section 1001,at 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 Kurt A.Eby,RAA Name
Company Name Kurt Eby Real Estate Appraisals Company Name
Company Address 1061 Pennsylvania Avenue Company Address
Harrisburg,PA 17111-3019
Telephone Number 717-939-5222 Telephone Number
Email Address keby@comcast.net Email Address
Date of Signature and Report 1/11/2015 Date of Signature
Effective Date of Appraisal 12/10/2014 State Certification#
State Certification# RL000040L Certified Residential Appraiser or State License#
or State License# State
or Other(describe) State# Expiration Date of Certification or License
State PA
Expiration Date of Certification or License 06/30/2015
SUBJECT PROPERTY
ADDRESS OF PROPERTY APPRAISED
3804 Oxbow Drive eDid not inspect subject property
Camp Hill,PA 17011-1447 Did inspect exterior of subject property from street
Date of Inspection
APPRAISED VALUE OF SUBJECT PROPERTY$ 248,000 Did inspect interior and exterior of subject property
LENDER/CLIENT Date of Inspection
Name Unda Paterson
Company Name Unda J.Paterson,Executrix COMPARABLE SALES
Company Address 8 E.Red Gold Circle BDid not inspect exterior of comparable sales from street
Camp Hill,PA 17011 Did inspect exterior of comparable sales from street
Email Address Llmachado3@aol.com Date of Inspection
Freddie Mac Form 70 March 2005 Fannie Mae Form 1014 March 2005
Produced by CIlckFORMS Software 800-622-8727 _ Page 6 of 22
Kurt Eby Real Estate Appraisals
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APPRAISAL COMPLIANCE ADDENDUM Case No.
Borrower/Client 2lmmer,Darlene,Estate
Address 3804 Oxbow Drive Unit No.
City Camp Hill County Cumberland Slate PA Zip Code 17011-1447
Lender/Client Linda J.Paterson,Executrix
This Aopraisal Com fiance Addendum is included to ensure this aDDraisal re rt meets all USPAP 2014 re uirements.
APPRAISAL AND REPORT IDENTIFICATION
This Appraisal Report is one of the following types:
BAppraisal Report This report was prepared in accordance with the requirements of the Appraisal Report option of USPAP Standards Rule 2-2(a).
Restricted Appraisal Report This report was prepared in accordance with the requirements of the Restricted Appraisal Report option of USPAP Standards Rule 2.2(b).The
intended user of this report is limited to the identified client.This is a Restricted Appraisal Report and the rationale for how the appraiser arrived
at the opinions and conclusions set forth in the report may not be understood properly without the additional information in the appraiser's workfile.
ADDITIONAL CER11FICATIONS
I certify that,to the best of my knowledge and belief:
The statements of fact contained in this report are true and correct.
The reported analyses,opinions,and conclusions are limited only by the reported assumptions and are my personal,impartial,and unbiased professional analyses,
opinions,and conclusions.
Unless otherwise indicated,I have no present or prospective interest in the property that is the subject of this report and no personal interest with respect to parties involved
Unless otherwise indicated,I have performed no services,as an appraiser or in any other capacity,regarding the property that is the subject of this report within the three-year
period immediately preceding acceptance of this assignment.
I have no bias with respect to the property that is the subject of this report or the parties involved with this assignment.
My engagement in this assignment was not contingent upon developing or reporting predetermined results.
My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause
of the client,the amount of the value opinion,the attainment of a stipulated result,or the occurrence of a subsequent event directly related to the intended use of
this appraisal.
My analyses,opinions,and conclusions were developed and this report has been prepared,in conformity with the Uniform Standards of Professional Appraisal Practice that
were in effect at the time this report was prepared.
Unless otherwise indicated,I have made a personal inspection of the property that is the subject of this report.
Unless otherwise indicated,no one provided significant real property appraisal assistance to the person(s)signing this certification(if there are exceptions,the name of each
individual providing significant real property appraisal assistance is stated elsewhere in this report).
This re=has been re red in accordance with Title XI of FIRREA as amended,and aa int lementin re nulations.
.. •_SERVICES
X I have NOT performed services,as an appraiser or in another other capacity,regarding the property that is the subject of the report within the three-year period
immediately preceding acceptance of this assignment.
I 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
recedin
acce9jance of this assi nment.Those services are described in the comments below.
PROPERTY INSPECTION
I x HAVE made a personal inspection of the property that is the subject of this report.
I have NOT made a oersonal ins ection of the Wan that is the sub'ect of this re rt.
APPRAISAL ASSISTANCE
Unless otherwise noted,no one provided significant real property appraisal assistance to the person signing this certification.If anyone did provide significant assistance,they
are hereby identified along with a summary of the extent of the assistance provided in the report.
n/a
ADDITIONAL COMMENTS
Additional USPAP related issues requiring disclosure and/or any state mandated requirements: n/a
XX A reasonable marketing time for the subject property is 90-120 day(s)utilizing market conditions pertinent to the appraisal assignment.
X A reasonable exposure time for the subject property is 30.120 day(s).
• •
Signature Signature
Name Kurt A.Eby,RAA Name
Date of Signature 1/11/2015 Date of Signature
State Certification d RL000040L Cert fled Residen al Appraiser Slate Certification/
or State License N or State License S
state PA State
Expiration Date of Certification or License 06/30/2015 Expiration Date of Certification or License
Su ervisory Appraiser Inspection of Subject Propert:
Effective Date of Appraisal 12/10/2014 Did Not Q Exterior Only from street Interior and Exterior
USPAP compliance Addendum 2014 Page 7 Of 22
Produced by ClickFORMS Software 600-622-6727
First Page of Deed File No.
Case No.
Borrower Zimmer,Darlene,Estate
Property Address 38040xbow Drive
City Camp HIII County Cumberland State PA Zip Code 17011-1447
Lender/Client Unda l Paterson,Executrix Address 8 E.Red Gold Circle,Camp Hill,PA 17011
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rraJ'coJj'rrt, rv!ieuaget sxxid rttu% by t1a-'3ar,prexenwt:e JoC;� �ratrtt, �Irrsgv3re,
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heirs rirrrd.4;trstIMar.,
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BEG11MINIr: at a p:itit on In sout"ha:rt side of Oxbow Orive'which poLnt i 2iC.65':eet11 j
in an easterly dire�r:ioo fro_- thu Goutimast corner of O 7rx '11ridge. Road and 0cl,i�u
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eaCloaeci Flan: thence by the uouchr-.rn sUe of i7r cx a ive No cb 74 ae;xeka Z9,
minutes :,:tat 103 .fr. to a yolrt at tha dividing line beweea Lists 46 sad 7, d"sack K.,
I of the flan-;thence by said d.ivid.ing 11sca South 15 degteea 31 piia�l?tEa Let. f30-gc.
to a point at tAa 4 .idi.:8 isre tsetvaem Lots64, ,'lark X. Plnu 6, atsd Lot. 7, Jlotk
K, of O%e Platt; thenca by pnid 41uiding litia and tate vine of trot 3, BIOC4 X, Flaa a ,
i¢ Sa;z h 74 4cgmti;22i3 minutes best lora fent to a point at the dividing 11". bela:aen
Lots 47 and 8 Block K, of the Flaaa, thence by said alvldiiag line 1Foi•th 15 .degieea
31 nimlce4 Vest 11Z fptt to a paint on itte souttasrn Tina of tlxbtrs Drive, thQ pl"O
of BMT-NN NG.
ISBlln P11 of ",.at P7. BlocR K, Plan, 9, Pine Brook, which 71asc 10 r4tord0d In the
" cmberian&covuty Recorder's Offico In 111a.ti Hoak
t; 73&T:*'G Pt+rt of the saran, preruieea whit^t ROY E- Stara card Xii ti, Scare. bis atiE'c,
by their dead drired March 30, 1955, rzzu3 recorded .in ttrr: CumlMrI t.1d Corrraty Ra ordaz'a
yCrfEiec !s Dee-d Bonk "`A", 7olua,o 14, psaa 37, granted aitrl Imnvoyed unto Fine Tree
yA Poi-t, Inc., Gramtor harein.
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Kurt Eby Real Estate Appraisals
SKETCH ADDENDUM File No.
Case No.
Borrower Zimmer,Darlene,Estate
Property Address 3804 Oxbow Drive
City Camp Hili County Cumberland Stale PA Zip Code 17011-1447
Lender/Client Unda 1.Paterson,Executrix Address 8 E.Red Gold Circle,Camp Hill,PA 17011
I
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24ft First Floor
[Area:1007 ftj
27ft
Closed Porch 13h
[Area:300 ftj
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24ft Kitchen Dining
Family
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[Area:528 ftq
Foyer
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24ft
40ft
Owner's Family
Closet Bath Bath
Bedroom
Second Floor
IQ
[Area:1100 ftj
Owner's w
Bedroom i Bedroom Bedroom
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Kurt Eby Real Estate Appraisals
FLOOD MAP ADDENDUM File No.
Case No.
Borrower Zimmer,Darlene,Estate
Property Address 3804 Oxbow Drive
City Camp Hill County Cumberland State PA Zip Code 17011-1447
Lender/Client Linda).Paterson,Executrix Address 8 E.Red Gold Circle,Camp Hill,PA 17011
IA
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Aron immadadby6wyearbr*Wag Within 250 ft.of multiple flood zones? No
Arm o&jdeoftheimand 5W yeariood Community: 420360
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� Community Name: HAh1P:DEtq,TOWNSHIP F
Areas inunaatoabyimyearb-11ing Zone:X Panek4ZG41COZ77:E Panel Date: 03/16/2009
Aram inundated byiDDyaarboodirtg ftt FIPS Code:4ZO41 Census.Tract: 0113.03
vaiockyr nazara This Reno-tis for the sole benefit of the Cus�t#-3•ordwed arra void fx tF e
Fa110 wq areaa Remit and is'based on tivee Droaeaty irribMatiDn=vided by that Custorrae=.
FyOatl'€tray araaa%jilt very hazard That Custorrmes use of this React is subject to the teams ear ed to bv that
C rstorror vv hayn eccessi-m this oraimt. No thud oa v-s rsthas to arse or
Areastalundatamined but possiblebood reh,on this Rettyt for anv mroose.THE SELLER OF THIS REPORT MAKES
hazard NO REPRESENTA71ONS OR WARRANTIES TO ANY PARTY
Aron MAMa 110 1,-Y P rrb"h d FUM CONCERNING THE CONTENT,ACCURACY OR COMPI.ETENESS OF
PP+d THIS REPORT INCLUDING ANY WARRANTY OF MERCH'A.NTABI TY OR
FITNESS FOR A PARTICLX R PURPQSE,The sellar of"Remort 1 11
nthis ot have any taabrrty to any third party fraarr any usa cr inlam of
Produced by ClickFORMS Software 800-622-8727 Page 11 of 22
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Kurt Eby Real Estate Appraisals
LOCATION MAP ADDENDUM File No.
Casa No.
Borrower Zimmer,Darlene,Estate
Property Address 3804 Oxbow Drive
City Camp Hill County Cumberland State PA Zip Code 17011-1447
Lender/Client Linda 1.Paterson,Executrix Address 8 E.Red Gold Circle,Camp Hill,PA 17011
O_ GoRyiew CM
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Kurt Eby Real Estate Appraisals
SUBJECT PHOTO ADDENDUM File No.
Case No.
Borrower Zimmer,Darlene,Estate
Property Address 3804 Oxbow Drive
City Camp HIII County Cumberland State PA Zip Code 17011-1447
Lender/Cliere Unda J.Paterson,Executrix Address 8 E.Red Gold Circle,Camp Hill,PA 17011
FRONT OF
Y SUBJECT PROPERTY
3804 Oxbow Drive
f
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Kurt Eby Real Estate Appraisals
SUBJECT PHOTO ADDENDUM File No.
Case No.
Borrower Zimmer,Darlene,Estate
Property Address 3804 Oxbow Drive
City Camp Hill Comely Cumberland state PA Zip Code 17011.1447
Lender/Client UndaL Paterson,Executrix Address 8 E.Red Gold Circle,Camp Hill,PA 17011
. -- - View of park across street
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Produced by ClickFORMS Software 800-622-8727 Page 15 of 22
Kurt Eby Real Estate Appraisals
SUBJECT PHOTO ADDENDUM File No.
Case No.
Borrower IJmmer,Darlene,Estate
Property Address 3804 Oxbow Drive
City Camp HIII County Cumberland Slate PA Zip Code 17011-1447
LenderlClienl Unda.l.Paterson,Executrix Address 8 E.Red Gold Circle,Camp Hill,PA 17011
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Kurt Eby Real Estate Appraisals
SUBJECT PHOTO ADDENDUM File No.
Borrower Zimmer,Darlene,Estate Case No. '
Property Address 3804 Oxbow Drive
CIN Camp Hili County Cumberland State PA Zip Code 17011-1447
LenderlDent tlndaI.Paterson,Executrix Address 8 E.Red Gold Circle,Camp Hill,PA 17011
Powder Room
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Produced by ClickFORMS Software 800-622-8727 Page 17 of 22
Kurt Eby Real Estate Appraisals
SUBJECT PHOTO ADDENDUM File No.
Case No.
Borrower Zimmer,Darlene,Estate
Property Address 3804 Oxbow Drive
City Camp Hill County Cumberland State PA Zip Code 17011-1447
LenderlCliem Linda J.Paterson,Executrix Address 8 E.Red Gold Circle,Camp Hili,PA 17011
.- -
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Produced by ClickFORMS Software 800-622-8727 Page 18 .of 2
Kurt Eby Real Estate Appraisals
SUBJECT PHOTO ADDENDUM File No.
Case No.
Borrower Zimmer,Darlene,Estate
Property Address 3804 Oxbow Drive
City Camp Hill County Cumberland Stale PA Zip Code 17011-1447
Lender/Client Unda J.Paterson,Executrix Address 8 E.Red Gold Circle,Camp Hill,PA 17011
Bedroom
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SUBJECT PHOTO ADDENDUM Fite No.
Borrower Zimmer,Darlene,Estate
Case No.
Property Address 3804 Oxbow Drive
City Camp Hill County Cumbedand State PA Zip Code 17011-1447
Lender/Client Linda!Paterson,Executrix Address 8 E.Red Gold Circle,Camp III%PA 27012
Basement
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Produced by ClickFORMS Software 800-622-8727 Page 20 of 22
Kurt Eby Real Estate Appraisals
COMPARABLES 1-2-3 Fite No.
Case No.
Borrower Rimmer,Darlene,Estate
Property Address 3804 Oxbow Drive
City Camp HILI County Cumberland State PA
Zip Code 17011-1447
Lender/Client Linda J.Paterson,Executrix Address 8 E.Red Gold Circle,Camp Hili,PA 17011
COMPARABLE SALE# i
3808 Copper Kettle Road
Camp Hill,PA 17011
�. t
l� &
COMPARABLE SALE# 2
> x s A 512 Orrs Bridge Road
Camp HBI,PA 17011
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" 50 Gale Road
Camp Hill,PA 17011
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Produced by ClickFORMS Software BOD-622-8727 Page 2t of 22
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» : Kurt Eby Real Estate Appraisals
COMMENT ADDENDUM
File No.
Case No.
Borrower Ammer,Darlene,Estate
Property Address 3804 Oxbow Drive
City Camp Hili County Cumberland State PA Zip Code 17011-1447
Lender/Client Unda1.Paterson,Executrix Address 8 E.Red Gold Circle,Camp Hill,PA 17011
By signature of this form 1 certify that,to the best of my knowledge and belief.
1.1 certify that,to the best of my knowledge and belief,the reported analyses,opinions,and conclusions were developed,and this report has been
prepared,In conformity with the requirements of the Code of Professional Ethics and the Standards of Professional Appraisal Practice.
2.This appraisal conforms to the Uniform Standards of Professional Appraisal Practice issued by the Appraisal Standards Board of the Appraisal
Foundation,to the applicable provisions of Me XI of the Federal RnandaI Institutions Reform,Recovery and Enforcement Act of 1989,12 U.S.C.3310,
3331-3351,and to the applicable regulations ofthe Federal Reserve System,12 CRF Parts 208 and 225.
3.The reported analyses,opinions,and conclusions are limited only by the reported assumptions and limiting conditions,and are my personal unbiased
professional analyses,opinions,and conclusions.
4.The assignment of this appraisal was not based upon a requested minimum valuation,a specific valuation,a value within a given range,or the
approval of a loan.
S.My compensation Is not contingent upon the reporfingof a predetermined value or direction In value that favors the cause of the client,the amount of
the value estimate,the attainment of a stipulated result,or the occurrence of a subsequent event.
6.1 have made a personal Inspection of the property that Is the subject of this report(if more than one person signs the report,this certification must
clearly specify which individuals did and which Individuals did not make a personal inspection of the appraised property.)
T.No one provided significant professional assistance to the person signing this report(H there are exceptions,the name of each Individual providing
significant professional assistance must be stated.)
8.Unless noted In the appraisal report,all mechanical systems Including,but not limited to,the heating,air-conditioning,electrical and plumbing
systems appear upon a visual exterior inspection to be in working order.No warranties are Implied In this statement
S.Unless otherwise stated to this report,the existence of hazardous substances or pollutants(any solid,liquid,gaseous or thermal Irritant or
contaminant,including but not limited to asbestos,polychlorinated biphenyl's,petroleum leakage,radon gas,lead paint,agricultural chemicals,smoke,
vapor,soot,fumes,acids,alkalis,chemicals and waste),which may or may not be present on the property;or other environmental conditions,were not
called to the attention of nor did the appraiser become aware of such during the appraiser's Inspection.The appraiser has no knowledge of the existence
of such materials on or In the property unless otherwise stated.The appraiser,however,Is not qualified to test forsuch substances or conditions.lithe
presence of such substances,such as asbestos,urea formaldehyde foam Insulation,lead paint,or other hazardous substances or environmental
conditions,is found,the value of the property may be adversely affected.The value stated in this report Is predicated on the assumption that there Is no
such condition on or in the property or in such proximity thereto that it would cause a loss in value.No responsibility Is assumed for any such conditions,
nor for any expertise or engineering knowledge required to discover them.
10.This report was prepared at the request of and for the exclusive use of the client listed on page one of the appraisal.Neither all,nor any partofthe
content of the report,or copy thereof(including conclusion as to the property value,the identity of the Appraiser,professional designations,reference to
any professional appraisal organizations,or the firm with which the appraiser is associated),shall be used for any purposes by anyone but the client
specified in the report.Further,the appraiser,or firm,assumes no obligation,Ilabiiity,or accountability to any third party.
11.This appraisal is for no purpose other than property valuation,and the appraisers are neither qualified not attempting to go beyond that narrow
scope.
12.This appraisal should not be considered a report on the physical items that are a part ofthis property.Although the appraisal may contain
information about the physical hems being appraised(Including their adequacy and/or condition),it should be clearly understood that this Information Is
only to be used as a general guide for property valuation and not as a complete or detailed physical report.The appraisers are notconstruction,
engineering,environmental,or legal experts,and any statement given on these matters should be considered preliminary In nature.
13.Due to the confidentiality requirement within the Ethics Provision of the Uniform Standards of Professional Appraisal Practice,confidential factual
data or the results of this assignment will not be discussed with anyone except the client,or persons specifically authorized by the client l will consult with
persons specifically authorized,provided I receive a written authorization from the client,and provided that a prearranged consulting fee Is paid,In
advance,
Produced by ClickFORMS Software 800-622-8727 Page 22 of 22
G:\lifeplanportfolio\clients\zimmer,darleneWILdoc
April 14,2014
-M rri
M
LAST WILL AND TESTAMENT � -0Co
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(7)OF
CTJ
(„+")
DARLENE M. ZIMMER . ;;i C-)
I, DARLENE M. ZIMMER, of Camp Hill, Cumberland County, Pennsylvania, being of sound
and disposing mind, memory and understanding, do hereby make, publish and declare this my Last Will
and Testament, hereby revoking any and all prior Wills and Codicils thereto by me at anytime heretofore
made.
1. IDENTIFICATION OF FAMILY. I declare that I have three (3) children whose names are
LINDA J. PATERSON, KERRY W. ZIMMER and LORI A. ZIMMER. As used in this
Will, the term "my children" refers to all of my natural children. As used in this Will, the term
"issue” refers to all lineal descendants of the indicated person of all generations, with the
relationship of parent and child at each generation determined by the definition of
"child/children" set forth in this paragraph.
2. PAYMENT OF BURIAL EXPENSES AND DEBTS. I authorize my executor to pay all the
expenses of(1) a funeral or memorial.service; (2) the interment of my remains at Rolling Green
Cemetery beside my husband including the costs of a gravesite, if necessary; and (3) the
installation and inscription of a suitable marker at, and perpetual care of, the gravesite. I further
direct my executor to pay all of my debts that my executor in his or her sole discretion may allow
as claims against my estate.
3. SPECIFIC BEQUESTS. I hereby devise and bequeath the following items of personal
property:
3.1 I specifically devise my personal residence at 3804 Oxbow Drive, Hampden Township,
Camp Hill, Cumberland County, Pennsylvania, to my daughter, LORI A. ZIMMER, of
Camp Hill, Pennsylvania. The share of LORI A. ZIMMER'S residuary estate set forth
in Article 5 below shall be reduced by the value of this bequest as determined by an
appraisal of this real estate at the time of my death. It being my intention that my children
shall be treated equally with regard to the value of my estate. In any case,
notwithstanding the above, my daughter, LORI A. ZIMMER, is to receive no less than
Twenty Thousand Dollars($20,000.00) as her share of my residuary estate.
3.2 I give the sum of Ten Thousand Dollars ($10,000.00) to my granddaughter, KARISSA
ZIMMER.
V �
Darlene M. Zimmer
u:\lifeplanportfolio\clients\zimmer,darlene\will.doc
April 14,2014
3.3 I give the sum of Ten Thousand Dollars ($10,000.00) to my granddaughter, .ASHLEY
MACHADO.
3.4 I give the sum of Five Thousand Dollars ($5,000.00) to my great-granddaughter,
MADALYN MACCONNELL; provided that if MADALYN MACCONNELL shall be
under the age of eighteen (18) at the time of my death, these funds shall be managed by
her mother, KARISSA ZIMMER,until she reaches the age of eighteen(18).
4. DISPOSITION OF TANGIBLE PERSONAL PROPERTY. I give all of my tangible
personal property of every kind and description, including, but not limited to, books, pictures,
clothing, articles of household or personal use or adornment, household furnishings and effects,
and automotive vehicles and their accessories, but excluding any money, evidences of
indebtedness, documents of title, and securities and property used in connection with the
operation of any trade or business, in accordance with any signed memorandum which my
executor may find at the time of my death. If no memorandum is found among my personal
effects, or if such memorandum does not wholly dispose of my tangible personal property, I
direct my executor to divide my tangible personal property into two parts. The first part shall
contain all items that my executor determines, to be of no present or future value or use to my
children. The second part shall contain the balance of the property. My executor shall dispose of
the first part by sale, abandonment, destruction, or gift to any charity or person. The proceeds of
any sale shall be added to my residuary estate. All property in the second part I give, in
substantially equal shares to my children. The decision of my executor shall be conclusive and
binding on all persons interested in my estate.
Any item of personalty passing to a minor under this Article 4 may be delivered to the minor or
to any person to hold for the minor, as my Executor thinks advisable, and the receipt of any such
persons, including the minor, shall constitute a full and complete discharge to my Executor.
5. DISPOSITION OF RESIDUARY ESTATE. All of the rest,residue and remainder of the
property that I own at the time of my death, both real and personal, and of every kind and
description, wherever situated, to which I may be legally or equitably entitled at the time of my
death (my "residuary estate"), I give and bequeath to my children in equal shares subject to the
adjustment for the specific bequest of my personal residence to my daughter, LORI A.
ZIMMER, as set forth at Article 3.1 above. Also, should I have previously gifted my personal
residence to LORI A. ZIMMER, her share of this residuary estate shall be adjusted accordingly.
PROVIDED THAT in the event any of my children is not living on the sixtieth(60) day after the
date of my death, I leave his or her share to that child's living issue, per stirpes. If a child dies
without any issue,the child's share shall be distributed to my surviving children.
Darlene M. Zimmer
u:\Iifeplanportfolio\clients\zimmer,darlene\will.doc
April 14,2014
6. POWERS OF ADMINISTRATION.
6.1 Grant of Powers. My executor, in the administration of my estate (my "fiduciaries")
shall have the powers and authorities set forth in this Article 6. These powers and
authorities may be exercised by my executor in their sole and absolute discretion, without
the permission or order of any court. These powers shall be supplementary to those
conferred by law, including, but not limited to, those set forth in Title 20, Chapter 33, of
the Pennsylvania Consolidated Statutes.
6.2 Retention of Assets. My fiduciaries shall have the power to retain any or all property of
my estate or trust, however received and acquired, for so long as they deem appropriate.
This power may be exercised even though the property may not be of the type authorized
by law for investment, and even though the retention may leave a disproportionately large
amount of the value of my estate invested in one type of property.
6.3 Transfer of Assets. My fiduciaries shall have the power to sell,transfer, and convey any
property, of whatever nature, including real property, and wherever situated, that I may
own at the time of my death, or that may come into my estate or into the trust corpus at or
after my death. The sale,transfer, or conveyance may be by public or private sale, at such
time, on such terms and conditions, including selling price and credit, in such manner,
and for any reason that my fiduciaries deem appropriate, including, but not limited to, the
purpose of obtaining net proceeds to be distributed to my residuary beneficiaries.
6.4 Investment. My fiduciaries shall have the power to invest and reinvest any property in
my estate or in the trust corpus in preferred and common stocks, bonds, notes, common
trust funds (including any managed by any corporate fiduciary), interests in investments,
trusts, mutual funds, leases, mortgages on property wherever located, and, generally, in
any property and in proportions of property as my fiduciaries deem advisable, even
though the investments are not of the character or proportions authorized by applicable
law for the investment of the funds.
6.5 Power to Borrow. My fiduciaries shall have the power to borrow money for any
purpose, for any periods of time, and on any terms and conditions as they deem advisable
(including the power to borrow from any corporate fiduciary), and to pledge, mortgage, or
otherwise encumber any property in my estate or in the trust corpus to secure repayment
of any loan, as well as the power to renew existing loans either as maker or endorser.
6.6 Power to Hold Property in Nominee Form. My fiduciaries shall have the power to
hold any property in the name of a nominee or in bearer form.
6.7 Distribution in Cash or in Kind. My fiduciaries shall have the power to make
distributions in cash or in kind, or partly in cash, in divided or undivided interests, as
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amended, or other applicable law, and to determine which assets shall be sold and which
shall be distributed in kind,without notice to or consent by any beneficiary.
6.8 Distribution to Minors and Persons Under Disability. My fiduciaries shall have the
power to make distributions or payments to or for the benefit of any beneficiary who is a
minor, an incompetent, or who in the fiduciaries' judgment is incapacitated. The
distributions or payments shall be made in any one or more of the following ways: (1)
directly to the beneficiary; (2) directly to the creditor in payment of the debts or expenses
of the beneficiary; (3) to the guardian of the person or estate of the beneficiary; (4)to any
custodial parent of a minor beneficiary; (5) to a custodian for the beneficiary under any
law related to gifts to minors, including to my fiduciaries in that capacity; or (6) to any
other person who shall have the care and custody of the person of the beneficiary. There
shall be no duty to see to the application of funds so paid, provided due care was
exercised in the selection of the person to whom the funds were paid, and the receipt of
the person shall be full acquittance of the fiduciaries.
6.9 Continuation or Liquidation of Business. My fiduciaries shall have the power to
continue or to permit the continuation of any business, incorporated or unincorporated, in
which I may have any interest at the time of my death for any period of time, or to
liquidate the business on any terms as they deem appropriate. This power includes, but is
not limited to (1) the power to invest additional sums in any business, even to the extent
that my estate or the trust corpus may be invested largely or entirely in the business,
without liability for any loss resulting from lack of diversification; (2) the power to act as
or to select other persons to act as directors, officers, or employees of any business, to be
compensated without regard to being a fiduciary under this Will; and (3) the power to
make any other arrangements in regard to any business as my fiduciaries shall deem
proper.
6.10 Employment of Agents. My fiduciaries shall have the power to employ, and pay the
compensation of any and all attorneys, agents, custodians, attorneys-in-fact, experts,
investment counsel, accountants, bookkeepers, or other agents or providers of services as
my fiduciaries deem advisable in the administration of my estate.
6.11 Commissions. My fiduciaries shall have the power to take reasonable commissions on
account at. any time during the administration of my estate or of the trust without the
approval of any beneficiary or of the court, but subject to allowance or disallowance on
the settlement of the final accounts of my fiduciaries.
6.12 Third Party Reliance. No person or corporation dealing with my executor shall be
required to see to the application of any property paid or delivered to my executor, or to
inquire into either the authority of my executor to enter into any transaction or the
expediency or propriety of any transaction entered into by my executor.
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6.13 Charitable Donations. In the event that any of my tangible personal property is donated
to a charitable organization(s) then my fiduciary is instructed to use the value of said
donation(s) as an inheritance tax deduction for any inheritance tax return which may be
required to be filed as a consequence of my death.
7. PAYMENT OF DEATH TAXES.
7.1 Payment of Estate Taxes. I direct that all federal and Pennsylvania estate taxes payable
as a result of taxes assessed on property passing under this Will shall be paid from my
residuary estate as a part of the expenses of the administration of the estate.
7.2 Inheritance Tax. I direct that the Pennsylvania inheritance taxes payable as a result of
my death, limited to taxes assessed on property passing under this Will, shall be paid out
of my residuary estate and shall not be deducted or collected from any beneficiary under
this Will or other transferee.
8. PRESUMPTION IN CASE OF SIMULTANEOUS DEATH. For the purposes of this Will, in
determining whether a person has survived me or another person, a person shall not be deemed to
have survived me or another person if he or she dies within thirty (30) days of my death or of the
death of the other person.
9. EXECUTOR. I name, constitute and appoint my daughter, LINDA J. PATERSON, as
Executor of my estate. If LINDA J. PATERSON shall not survive me, shall not serve as
Executor for any reason, or shall cease to serve as executor for any reason after appointment, my
son, KERRY W. ZIMMER, shall act as Executor in her place.
10. LIABILITY OF EXECUTOR. My Executor shall not at any time be liable for mistake of law
or of fact, or both law and fact, or errors of judgment, nor for any loss coming to any beneficiary
under this Will, or to any other persons, except through actual fraud or willful misconduct on the
part of the Executor. My Executor may, from time to time, consult with counsel with respect to
the meaning, construction, and operation of this Will or any trusts created hereunder, particularly
with respect to the appointments, allocations, and disbursements, and may act on the advice of
counsel in all matters without incurring liability on account of his or her actions.
11. INTERPRETATION.
11.1 Number and Gender. If required by the context of this Will, singular language shall be
construed as plural, plural language shall be construed as singular, and the gender of
personal pronouns shall be construed as either masculine,.feminine, or neuter.
Darlene M. Zimmer
COMMONWEALTH OF PENNSYLVANIA )
SS:
COUNTY OF CUMBERLAND )
I, DARLENE M. ZIMMER, THE TESTATRIX, WHOSE NAME IS SIGNED TO THE
FOREGOING INSTRUMENT, HAVING BEEN DULY QUALIFIED ACCORDING TO LAW, DO HEREBY
ACKNOWLEDGE THAT I SIGNED AND EXECUTED THE INSTRUMENT AS MY LAST WILL AND
TESTAMENT; THAT I SIGNED IT WILLINGLY; AND THAT I SIGNED IT AS MY FREE AND
VOLUNTARY ACT FOR THE PURPOSES THEREIN EXPRESSED.
SWORN OR AFFIRMED TO AND ACKNOWLEDGED BEFORE ME BY DARLENE M.
ZIMMER, THE TESTATRIX THIS I qDAY OF APRIL,2014.
CGMMONWEA.LTH OF PENNSYLVANIA DA ENE M. ZIMMER,TESTATRIX
Notarial Seal
Deborah L.Brenneman,Notary Public
Camp Hill Boro,cumberiand county
My commission Expires June 18,2014 jNOTARY PUBLI
Member,Pennsylvania Association of Notaries
COMMONWEALTH OF PENNSYLVANIA )
SS:
COUNTY OF CUMBERLAND )
WE, -��� —e �►��L C�AND Q.n n T�`, S C
THE WITNESSES WHOSE NAMES ARE SIGNED TWE FOREGOING INSTRUMENT, BEING DULY
QUALIFIED ACCORDING TO LAW, DEPOSE AND SAY THAT WE WERE PRESENT AND SAW THE
AFORESAID TESTATRIX SIGN AND EXECUTE THE INSTRUMENT AS HER LAST WILL AND
TESTAMENT; THAT SHE SIGNED WILLINGLY AND THAT SHE EXECUTED IT AS HER FREE AND
VOLUNTARY ACT FOR THE PURPOSES THEREIN EXPRESSED; THAT EACH OF US IN THE
HEARING AND SIGHT OF THE TESTATRIX SIGNED THE WILL AS WITNESSES; AND THAT TO THE
BEST OF OUR KNOWLEDGE THE TESTATRIX WAS AT THE TIME EIGHTEEN (18) OR MORE YEARS
OF AGE,OF SOUND MIND AND UNDER NO CONSTRAINT OR UNDUE INFLUENCE.
SWORN OR AFFIRMED TO AND SUBSCRIBED TO BEFORE ME, THIS �`�'` DAY OF APRIL,
2014.
WITNESS
c–o–M 0- WEAALTH,OF PENNSYLVANIA
(—�– Notarial Seal
Deborah L.Brenneman,Notary Public WIT S
Camp HillBoro,Cumberland County
Wry Commission Expires June 18,2014
Member,Pennsylvania Associiatlon of Notaries
N15TARY PUBLI
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