HomeMy WebLinkAbout06-23-15 (3) � 1505610140
REV-1500 �` �°Z_,,,�F',
OFFICIAL USE ONLY
PA Department of Revenue Coun Code Year File Number
Bureau of Individual Taxes �
Po Box zsoso� INHERITANCE TAX RETURN 2 1 1 4 1 0 8 3
Harrisbur9,PA 1712&0601 RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death MMDDYYYY Date of Birth MrnDDYYYY
0 9 2 7 2 0 1 4 1 0 0 5 1 9 3 9
DecedenPs Last Name Suffix DecedenYs First Name MI
MARSHALL CARLA A
(if Applicable)Enter Surviving Spouse's infortnation Below
Spouse's Last Name Suffx 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)
Q 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 � 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 T0:
Name Daytime Telephone Number
S U S A N H . C O N F A I R 7 1 7 7 6 3 1 3 8 3
� REGISTER OF WILLS USE ONLY
"'J
First Line of Address ;`� �
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2331 MARKET STREET �-
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Second Line of Address ; ; 1 � :�`� �-�-�
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City or Post O�ce State ZIP Code __ DATE FlLED? _
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C A M P H I L L P A 1 7 0 1 1 � � => �; � - �_'-'
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correspondent's e-mail address: SCONFAIR@REAGERADLERPC.COM �''-' � _.r_ c� Q
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Under penalties of pe�jury,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,corcect and complete.Declaration of preparer other than the personal representative is based on all informetion of which preparer has any knowledge.
SIGNATURE OF PERSON RESPONSIBLE FOR FILING RETURN �,, " DATE
� �����/��- ,..... ���8 ZO l,j
ADDRESS
51 YOSEMITE CIRCLE WEST HENRIETTA NY 14586
SIGNATURE OF PREPARER OTHER THAN REPRESENTATN y D TE/
�--�-�L.,���� - D( �Z D(�
ADDRESS
2331 MARKET STREET CAMP HILL PA 17011
PLEASE USE ORIGINAL FORM ONLY
Side 1
� 1505610140 1505610140 �
V'
�
� 1505610240
REV-1500 EX(FI) DecedenYs Social Security Number
o�de�eg Name: CARLA A. MARSHALL
RECAPITULATION
1. Real Estate(Schedule A) ....... ... .......... ........ ............... 1. � 1 6 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. � 8 3 5 � 5 3
6. Jointly Owned PropeRy(Schedule F) ❑ Separate Billing Requested ....... 6. •
7. Inter-Vivos Transfers 8 Miscellaneous N Probate Property
(Schedule G) � Separate Billing Requested .... ... 7. .
8. Total Gross Assets(total Lines 1 through 7) ................ ........... 8. � 1 7 8 3 5 , 5 3
9. Funeral Expenses and Administrative Costs(Schedule H) ...... ....... ..... 9• 6 H 7 8 . 6 4'
10. Debts of Decedent,Mortgage Liabilities,and Liens(Schedule I) .. 1p. � 0 2 6 7 � . 4 $
��. Total Deductions(total Lines 9 and 10) .... ............. .... . .... ..... 11. � 0 9 5 4 9 . � 2
12. Net Value of Estate(Line 8 minus Line 11) .. ....... ........ .... ..... .. 12• S 2 H 6 . 4 1
13. 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. $ 2 8 6 . 4 �
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 15. 0 . � �
16. Amount of Line 14 taxable
at�inea�rate x.oa5 8 2 8 6 . 4 1 16. 3 7 2 . 8 9
17. Amount of Line 14 taxable
at sibling rate X.12 � . � 0 17, 0 . 0 �
18. Amount of Line 14 taxable
at collateral rate X.15 � • � � 1 g, � • � �
19. TAX DUE .... ........... .... ....... ... ..... ......... ..... ...... 19. 3 7 2 . $ 9
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT �
Side 2
L 1505610240 1505610290 J
REV-1500 EX(FI) Page 3 File Number
Decedent's Complete Address: 2� 14 1083
DECEDENTS NAME
CARLA A. MARSHALL _
STREET ADDRESS
219 ENOLA STREET _ ______._
CITY - -STATE - ZIP —_
ENOLA PA 17025
Tax Payments and Credits:
1• Tax Due(Page 2,Line 19) (1) 372.89
2. CreditslPayments
A.Prior Payments
B.Discount
Total Credits(A+B) (2) 0.00
3. Interest
. (3)
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) 372.89
Make check payable to REGISTER OF WILLS, AGENT
. , . ,..`�.`.39,.;",?�;P>.�a. �r��is��;�,..a�.{4 �e.�:tEi�r��±�i�����"' �"t-at-�ss�w?a i�._.`_��?'�u+a�p�..."a,xw�s��ura,?,
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a Uansfer and: Yes No
a. retain the use or income of the propeRy transferred ...................................................................... ❑ �
b. retain the right to designate who shall use the property transferred or its income ............................... ❑ �
c. retain a reversionary interest ..................................................................................................... ❑ 0
d. receive the promise for life of either payments,benefits or care? ....................................................... ❑ �
2. if death occurred after December 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 deathl ......... ❑ ❑X
4. Did decedent own an individual retirement account,annuity or other non-probate property,which
contains a beneficiary designation?.................................................................................................. ❑ �
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
r . _
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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 sunriving spouse is
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"
p2 P.S.§9116(a)(1.1)(ii)].The statute does not exempt a Vansfer to a surviving spouse from tax,and the statutory requirements for disclosure of assets and
filing a tax return are sGll applicable even if the surviving spouse is the only beneficiary.
For dates of death on or after July 1,2000:
• The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent,an
adoptive parent or a stepparent of the child is 0 percent(72 P.S.§9116(a)(1.2)�.
• The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent,except as noted in(�2 P.s.§s��s�a�(tp.
• The tax rate imposed on the net value of transfers to or for the use of the decedenPs siblings is 12 percent[72 P.S.§9116(a)(1.3)].A sibling is defined,
under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption.
REV-1502 EX+(12-12)
pennsylvania SCHEDULE A
DEPARTMENT OF REVENUE
REAL ESTATE
�NHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
CARLA A. MARSHALL 21 14 1083
All real property ovmed solely or as a tenant in common must be reported at fair martcet 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 jointiy-0wned with right of survivorship must be disclosed on Schedule F.
Attach a copy of the settiement sheet if the property has been sold.
ITEM Include a copy of the deed showing decedenYs interest if owned as tenant in common. VALUE AT DATE
NUMBER OF DEATH
DESCRIPTION
219 ENOLA STREET, ENOLA, PA 17025 116,000.00
TOTAL(Also enter on Line 1,Recapitulation.) S 116 000.00
If more space is needed,use additional sheets of paper of the same size.
REV-1508 EX+(08-12)
pennsylvania SCHEDULE E
DEPARTMENT OF REVENUE CASH, BANK DEPOSITS � MISC.
INHERITANCE TAX RETURN
RESIDENT DECEDENT PERSONAL PROPERTY
ESTATE OF: FILE NUMBER:
CARLA A. MARSHALL 21 14 1083
Inciude the proceeds of litigation and the date the proceeds were received by the estate.
All propeRy jointly owned with right of survivorship must be disciosed on Schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1. MEMBERS 1ST FEDERAL CREDIT UNION-ACCT. N0. 110969-00 56.05
SAVINGS ACCOUNT
5000 LOUISE DRIVE, MECHANICSBURG, PA 17055
2. MEMBERS 1ST FEDERAL CREDIT UNION -ACCT. NO. 110969-11 1,233.80
CHECKING ACCOUNT
5000 LOUISE DRIVE, MECHANICSBURG, PA 17055
3. PERSONAL PROPERTY 300.00
4. UNUSED BALANCE OF MEDICAL INSURANCE 204.29
5. COMCAST REFUND 2829
6. AARP REFUND 13.10
TOTAL(Also enter on Line 5,Recapitulation) S 1 835.53
If more space is needed,use additional sheets of paper of the same size.
REV-1511 EX+(08-13)
pennsylvania SCHEDULE H
DEPARTMENTOF REVENUE FUNERAL EXPENSES AND
INHERITANCETAXRETURN ADMINISTRATIVE COSTS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
CARLA A. MARSHALL 21 14 1083
Decedent's debts must be reported on Schedule i.
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
1. ROLLING GREEN CEMETERY FOR OPENING OF BURIAL PLOT 225.00
2. OUR LADY OF LOURDES-FUNERAL DINNER 125.00
B. ADMINISTRATIVE COSTS:
1. Personal Representative Commissians:
Name(s)of Personal Representative(s) BOBBY V. MARSHALL 2,500.00
SveetAddress 51 YOSEMITE CIRCLE
�ity WEST HENRIETTA State NY z�P 14586
Year(s)Commission Paid: 2015
2. AttomeyFees: REAGER&ADLER, PC
3, Family Exemption:(If decedenYs address is not the same as claimanYs,attach explanation.) 2,500.00
Claimant
Street Address
City State ZIP
Relationship of Claimant to Decedent
4. ProbateFees: CUMBERLAND COUNTY REGISTER OF WILLS 365.50
5 Aocountant Fees:
6. Ta�c Retum Preparer Fees:
7, EXECUTOR EXPENSES FOR LODGING IN PENNSYLVANIA FOR
EXECUTOR DUTIES 316.20
8. EXECUTOR EXPENSES FOR MILEAGE TO PERFORM EXECUTOR DUTIES 846.94
TOTAL(Also enter on Line 9,Recapitulation) S 6 878.64
If more space is needed,use additional sheets of paper of the same size.
REV-1512 EX+(12-12)
pennsylvania SCHEDULE I
DEPARTMENTOFREVENUE DEBTS OF DECEDENT�
INHEWTANCETAXRETURN MORTGAGE LIABILITIES 8 LIENS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
CARLA A. MARSHALL 21 14 1083
RepoR debts incurred by the decedent prior to death that remained unpaid at the date of death,including unreimbursed medical expenses.
ITEM VAIUE AT DATE
NUMBER DESCRIPTION OF DEATH
1. MORTGAGE FOR REAL ESTATE AT 219 ENOLA STREET, ENOLA, PA WITH 100,154.74
ONEWEST BANK N.A.
2. ALLSTATE INSURANCE-HOUSE INSURANCE-PAID 27g.p7
3. THE APOTHECARY-PHARMACY BILL-PAID 369.60
4. EAST PENNSBORO TOWNSHIP-SEWER-UNPAID 343.95
5. ALLSTATE INSURANCE-HOUSE INSURANCE-UNPAID 716.50
6. PPL-ELECTRIC FOR HOUSE-UNPAID 274.73
7. UGI-GAS FOR HOUSE-UNPAID 46.40
8. PENNSYLVANIA AMERICAN WATER-WATER TO HOUSE-UNPAID 55.89
9. DEBBIE LUPOLD, TREASURER-2015 COUNTY/TOWNSHIP TAXES FOR HOUSE- 429.60
UNPAID
TOTAL(Also enter on Line 10,Recapitulation) 3 102 670.48
If more space is needed,insert additional sheets of the same size.
REV-1513 EX+(Ot-10)
pennsylvania SCHEDULE J
DEPARTMENT OF REVENUE BENEFICIARIES
1NHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF: fILE NUMBER:
CARLA A. MARSHALL 21 14 1083
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 pndude ouuight s usal distributions and transfers under
Sec.9116(a�1.2).�
t. BOBBY V. MARSHALL Lineal 4,143.20
51 YOSEMITE CIRCLE
WEST HENRIETTA, NY 14586
2. DAVID E. MARSHALL Lineal 4,143.21
1127 DERRY STREET
HARRISBURG, PA 17104
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET,AS APPROPRIATE.
II. NON-TAXABLE DISTRIBUTIONS:
A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN:
1.
B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS:
1.
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.
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LLP1CIienu\Marshall
March 26,2010
LAST WILL AND TESTAMENT � o
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OF � -�'o � �' o
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�'� y�, rn F,�, -,_d rr-,
� CARLA A. MARSHALL �:.: c�, �. -� -:;: ;�,
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I, CARLA A. MARSHALL, of Enola, Cumberland County, PennsYlvanla,:�eing �sound �d
disposing mind, memory and understanding, do hereby make, publis e�o b clmem,atl anyti�hereto�'o e
Testament, hereby revoking any and all prior Wills and Codicils th y
made.
1. FAMILY.
1,1 Identification of Family. I declare that I am marri ed t�o.R�O�BBB1TV•MARSHALL and
that there are two (2) children of this marriage whose nam
DAVID E. MARSHALL.
1.2 Definition of Family Terms. As used in this Will,the'term 'hmy��sp�oum'� Child en"�refers
ROBERT V. MARSHALL. As used in this Will, the terms my Y
to all my natural children and adopted 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 aut ent of my rem ins, in luding the
expenses of (1) a funeral or memorial service; (2) the internm Y
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, DISPOSITION OF TANGIBLE PERSONAL PROPERTY.
3.1. Snecific Devise. I hereby specifically devise the following items:
3.1.1. My hand built Grandfather clock to DAVID E. MARSHALL.
3.12. My antique Tiffany style lamp to ANN MARSHALL.
Dis osition to S ouse. I give all of my tangible personal property of every kind and
3.2. n p
, description, including, but not limited to, books, d effectscand auomotive v hicl ssandithe r
personal use or adornment, household furnishmgs an ' documents of tit e, and
accessories, but excluding any money, evidences of indebtedness,
� � �
� Carla A. Marshall
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LLP�Clients\Marshall
March 26,2010
securities and property used in connection with the operation of any trade or business, to my
spouse.
3.3. Alternative Disnosition. If my spouse does not survive me by more than sixty (60) days
after the date of my death, and any of my children survive me, 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 tl�e second part I give to my children, in
substantially equal shares, to be divided among them as they shall agree. If no agreement is
reached within (60) days after mymeaexecutorrshal d recheThe dec pion ofamy e e ut�o rshall be
all my children in such manner as y
conclusive and binding on all persons interested in my estate.
Any item of personalty passing to a minor under this Section 3.2 may be delivered to the minor
or to any person to hold for the minor, as my Executor thinks advisable, and the receipt by any
such persons, including the minor, shall constitute a full and complete discharge to my Executor.
4, DISPOSITION OF RESIDUARY ESTATE.
4.1. Disnosition to Spouse. 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 outright and absolutely to my spouse,if he survives me.
4,2. In the event my spouse is not living on the sixtieth (60) day after the date of my death, I
leave all 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 situate, to which I may be legally
or equitably entitled at the time of my death (my "residuary estate") in equal shares to my
children, BOBBY V. MARSHALL and DAVID E. MARSI�ALL; PROVIDED THAT, if
gpggy V. MARSHALL shall predecease me,
then I leave his share to DAVID E.
MARSHALL, and PROVIDED THAT, if DAVID E. MARSHALL shall predecease me, then I
leave his stare to DAVID E.MARSHALL.
5, pOWERS OF ADMINISTRATION. ,
5.1. Grant of Powers. My executor, in the administration of my estate, (my "fiduciaries")
shall have the powers and authorities set forth in this Article 5•absolute d�scretion,�withouttthe
may be exercised by my executor and trustee in their sole and
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. ,
z � �.
Carla A. Marshall '
• --.,
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LLP1CIientsUvlarshall
March 26,2010
5,2, Ret�ntion of Assets. My fiduciaries shall have the power to retain any or all property of
my estate, 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.
5.3. 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 after my death. The sale, transfer, or
conveyance may be by public or private sale,eat and forl ane� eas n th t mys f du�c a�e�sl deem
including selling price and credrt, in such mann , Y
appropriate, including, but not limited to, the purpose of obtaining net proceeds to be distributed
to my residuary beneficiaries.
5.4. Investment. My fiduciaries shall have the power to invest and reinvest any property in
my estate in preferred and common stocks rests an nnvestments, trustsstmutual(fund sl leases,
managed by any corporate fiduciary), inte
mortgages on property wherever located, and, generally, in any property and in proportions of
property as my fiduciaries deem advilebaw for t e nve stment of the fundsre not of the character
or proportions authorized by applicab
5.5. Power to Borrow. My fiduciaries shall have the power to bonow 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 to secure repayment of any loan, as well as the
power to renew existing loans either as maker or endorser.
5.6. Power to Hold Propertv in Nominee Form. My fiduciaries shall have the power to
hold any property in the name of a nommee or in bearer form. '
5.7. 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 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.
5,8, Distribution to Minors and Persons Under DisabilitY. My
fidticiaries 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: (]) directly to thrybenef�o t e
(2) directly to the creditor in payment of the debts or expeons�e y°ustod al palrent of3a minor
guardian of the person or estate of the beneficiary; (4)
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 sh 11 be no duty to see to the application of
3 ^•, -�� �
Carla A. Marshall
. � �
.-..
LLP�Clienu\Marshall •
Mazch 26,2010
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.
5.9. 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 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 anangements in regard to any business as my
fiduciaries shall deem proper.
5.10. Emqloyment of A�ents. 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.
5.1 l. Commissions. My fiduciaries shall have the power to take reasoriable commissions on
account at any time during the administration of my estate 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.
5.12. Third Partv 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.
5.13, Charitable Donations. In the event that any of my tangible persorial 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.
6. PAYMENT OF DEATH TAXES.
6.1. 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.
4 ��/:�(/l�-r�l��v� ' `
Carla A. Marshall '
• �
._
LLP1C1 ientsUvlarshall
March 26,2010
6.2. 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.
7. EXECUTOR.
7.]. Appointment. I name, constitute, and appoint my son,
BOBBY.V. MARSHALL, as
executor of my estate. If my named Fxecutor shall not survive me, shall not serve as executor for
any reason, or shall cease to serve as executor for any reason after appointment DAVID E.
MARSHALL shall act as executor in his place.
7.2. Bond Not Re uq ired. None of the indivi or her du ea as executor. �1 shall be required to
furnish a bond for the faithful performance of his
g, PRESUMPTION IN CASE OF SIMULTANEOUS DEATH. For the Puouseeshall ble deemed
determining whether a person has survived me or another person, (1) my p
to have predeceased me unless it unmistakably apave urvi ped me�or anotherlper�soneif he or she
all other cases, a person shall not be deemed to h
dies within sixty (60) days of my death or of the death of the other person.
9, LIABILITY OF EXECUTOR. My executor shall not at an anime�b col�ng to any beneficiary
or of fact, or both law and fact, or errors of judgment, nor for y
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, 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.
10. INTERPRETATION.
10.1. Successors of Fiduciaries. All pe�son act ng as mytexecutor,ecotexecu or, pe so a
"executor" shall be construed to mean any p
representative, or administrator, as the case may be.
10.3. Number and Gender. If required by the s��ed asf s ngu ari,and t eagender of personal
construed as plural, plural language shall be con
pronouns shall be construed as either masculine, feminine, or neuter.
10.4. Headin s. All headings used in this Wnien�e onl rjandtshall not be con trued to be a
paragraph, or other division are provided for conv Y
part of this Will.
s l.i '�`-'
Carla A. Marshall
10.5. Governin� Law. This Will shall be construed in conformity with the law of the
Commonwealth of Pennsylvania.
IN WITNESS WHEREOF, I have hereunto set my hand and seal to this, my Last Will and
Testament, consisting of six (6) typewritten pa es�the first five (5) of which bear my signature in the
margin for the purpose of identification,this �C� �ay of March, 2010.
�, ,�,, Q,r,�� �j� , �,
CARLA A. MARSHALL,TESTATRIX
Signed, sealed, published and declared by the above-named Testatrix, CARLA A.MARSHALL,
as and for her Last Will and Testament, in the sight andother have hereunto subscr bed ournnamesgas
and presence and in the sight and presence of each ,
witnesses.
' 23 �� �.��- � .
Witness Address/� _ ���1 +
C L il7i� 1.-
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,( %� `C�- .�;)3�3/ � ��.�
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Wi�Yness �,�. l�C1�l
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1
6
° .�.
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LLP1Cl ients\M arshal l
March 26,2010
COMMONWEALTH OF PENNSYLVANIA )
. SS.
COUNTY OF CUMBERLAND )
I, CARLA A. MARSHALL, THE TESTATRIX WHOSE NAME IS SIGNED TO THE FOREGOING
INSTRUMENT,
HAVING BEEN DULY QUALIFIED ACCORDING TO LAW, DO HEREBY
ACKNOWLEDGE THAT I SIGNEDT WIL,LINGLYEDND THAT RUSIG ED IT ASLMY FREE AND
TESTAMENT; THAT I SIGNED
VOLUNTARY ACT FOR THE PURPOSES THEREIN EXPRESSED.
SWORN OR AFFI ED TO AND ACKNOWLEDGED BEFORE ME BY CARLA A. MARSHALL,
THE TESTATRIX,THIS]S2�t`DAY OF MARCH,2010.
COMMOrIW�I�L7H C�F Pf�NNSYLVANiA � /Q�;,�'1,�Q,P�/ (./L/' C;Y �1
Notarlal Seal TESTATRIX
Deborah L.Brenneman,Notary Public CA L�.MARS�IAL �
Camp Hill Boro,Cumberland County
My Commission Expires June 18,2010
Member,Pennsylvania AssociaGon of Notaries
OTARY PUBL C
COMMONWEALTH OF PENNSYLVANIA � SS.
COUNTY OF CUMBERLAND �
/ /�; �L.
W E, „�
�, AND � �l�C / • F' �/j-�C
THE WITNESSES WHOSE NAMES ARE SIGNED TO THE FOREGOING TNSTRUMENT, BEING DUL
QUALIFIED ACCORDING TO LAW, DEPOSE AND SAY THAT WE WEItE PRESENT AND SAW THE
AFORESAID TESTATRIX SIGN AND EXECUTE THE INSTRUMENT AS HER LAST WILL AND
TESTAMENT; THAT SHE SYGNED 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 AT THEI TIME EIGI�TEEN (18 OR MO ETY�EARS
BEST OF OUR KNOWLEDGE THE TESTATRIX WAS
OF AGE,OF SOUND MIND AND UNDER NO CONSTRAINT OR UNDUE 1NFLUENCE. G�
SWORN OR AFFIRMED TO AND SUBSCRIBED TO BEFORE ME, THIS
pC Cs� DAY OF
MARCH, 2010.
�
WITNESS �
COMAAONWEALTH q�'P�NP191K.V`ANlA �� %`l, � /'L!Ci'f�—'�
Notarial 3eal
• ='� �
Deborah L.Brenneman,Notary Public WIT
Camp Hfll Boro,Cumbedand County �
My Commission Expires June 18,2010 •�
Member,Pennsylvania Association of Notaries
N TARY PUBLIC
. �
Colestock Appraisal Services
300 Glenn Road Camp Hill,PA 17011
3000147616
File No.18848117
- ..___ i
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APPRAISAL OF
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SINGLE FAMILY APPRAISAL
LOCATED AT:
219 Enola St
Enola,PA 17025 I
FOR: I
Financial Freedom-Maturity Dept
2900 Esparanza Crossing I
Austin,TX 78758
i
BORROWER: �
Carla Marshall �
�
AS OF:
October 24,2014 ''
I
I
BY: I
Christopher M.Colestock
RL139151
li
300 Glenn Road,Camp Hill,PA 17011
Colestock Appraisal Services
300 Glenn Road Camp Hill,PA 17011
3000147616
File No.18848117
--_—_... --�
II
I
ServiceLink
,I
Financial Freedom-Maturity Dept I
2900 Esparanza Crossing
Austin,TX 78758
File Number: 18848117 I
il
In accordance with your request, I have appraised the real property at:
219 Enola St
Enola,PA 17025 I'
I
The purpose of this appraisal is to develop an opinion of the market value of the subject property,as improved.
The properry rights appraised are the fee simple interest in the site and improvements. I
In my opinion,the market value of the property as of october 24,20�4 is:
$116,000
One Hundred Sixteen Thousand Dollars
The attached report contains the description, analysis and supportive data for the conclusions,
final opinion of value, descriptive phorographs, limiting conditions and appropriate certifications.
i
��tit�
Christopher M.Colestock
IRL139151 �I
�
I
_--------- --------- ..._I.
300 Glenn Road,Camp Hill,PA 17011
Colestock Appraisal Services
3000147616
Uniform Residentiai Appraisal Report FileNo. 18848117
The ur ose o(this summar a raisal re ort is to rovide the lenderlclient with an accurate,and ade uatel su orted,o inion of the market value of the sub ect ro ert.
Pr ert Address 219 Enola St G Enola Sute PA Zi Code 17025
eorrower Carla Marshall Ownero(PuWic Record Carla 8 Robert Marshall Coun Cumbefland
�e I�euri tion Deed Book 20K Pa e 1138
Assessors Parcel t 09151291259 Taz Year 2014 R.E.Tazes f 1 714
Nei hborhood Name East Pennsboro Townshi Ma Reterence METRO 2742 A5 Census 7raa 0101.00
Occu rt X Owner Tenarrt VacaN S ecial AssessmeMs f 0 PU� HOA S 0 er ear er month
Pro ert Ri hts raised Fee Sim le LeasehWd Other describe
Assi nmentT PurchaseTransaction RefinanceTransadion Olher describe DBfault
lenderlClienc Financial Freedom-Maturit De t Address 2900 Es aranza Crossin Austin TX 78758
Is the suh'ecl r ert currentl oHered fa sale or has il been olfered fa sale in tlie twelve monihs 'ar lo the effective date af Ihis a raisal? Yes X No
Repon data wurce(s)used,o((ering price(s),and date(s). Central Penn Multi-List
I did did nol analyze the contract for saie fw the subject purchase transacGon.Ezplain the resuhs of the analysis of the conUact for sale or why the analysis was rat perfamed.
. Cawact Pnce S Date of Coruract Is the seller lhe owner of blic recad? Yes No Oata Source s
Is Ihere any financial assistance(loan charges,sale corcessions,gift w downpayment asvstance,etc.)to be paid by any parry on behalf ol lhe borroweR Yes No
I(Yes,repon tl�e total dollar amourx and describe Ihe items to he paid.
Note:Raceand[herecialcom osiUonofthenei hborhoodarenota raisalfactors .
�� .NeighborhoodCharac[eristics :I One,UMtHousingTrends �'� '�One�UM[Fbusing ` ` `PresentLendUse%
Loca6on Urban X Suburban Rural Pr� e Values� Increasin Stable Declinin PRICE A6E One-Unit 75%
� Built-U X Over 75% 25•75% Under 25% DemandlSu Slarta In Balance Over Su I S 000 2-I Unit 5%
� Growth Ra id X Stable Slow MaAcetln Time Under 3 mths 3-6 mths Over 6 mths 40 Low 0 Muld-Fami 5%
, Neighbortaodeoundaries To the North b Valle Rd'To the South b Conod uinet Creek'To the 275 Hi 200 Commercial 10%
' East b Sus uehanna River To the West b E Penn Dr. 140 Pred. 60 aher Vacant 5%
Neignbataod Descrip�ion This suburban nei hborhood has most ublic utilities available relativel eas access to em lo ment and services
and is com etitive with other nei hbofioods in the eneral area. Most have similar ammenities.Market acitivi indicates avera e or
better acce tance in the market lace. No unfavorable factors were observed that would adversel affect market value.
Market Ca�ditions(including wpport lor ihe above conclusia�s) See Attached Addendum
Dimensions See Plat Ma Area 14375 sf Sha e Rectan ular View N'Res'
5 ecific Zonin Classification R1 Zoryn Descri tion Residential Sin le Famil
Zonin Com liance Le al Le al Noncrnformi Grandfathered Use No Zonin Ille I describe �
Is tlie Nghest and best use of the suhjed property as improved(a as proposed per plans and specifica6ons)the presern use? X Yes No If No,describe.
U[ili[ies Public Other(describe) PuClic Other(describe) OfF-•sitelm rovemen[s—T e Public Priva[e
Electrick 200 AMPS water X Sveet As halt
Gas Sarn[a Sewer Alle As halt
FEMA S ial Flood Hazard Area Yes No FEMA Flood Zone X FEMA Ma A 42041 C0116E FEMA Ma Date 0 311 6/2 0 0 9
Are ihe utilitles and o8-sile im rovemen[s ical for the market area? X Yes No If No,desaibe.
!ve there any adverse sde conditlons a external(actas(easemeMs,enuoachrtceMs,environmental canditbns,land uses,etc.)? Yes X No It Yes,describe.
'�GENERALDESCRIPTION '�FOUNDATION ' EXTERIORDESCRIPTION`.materialslcondi6on INTERIOR ��"materialslcordition
Units X One One with Accesso Unrt Concrete Siab Crawl 5 ace Foundatian Walls Stone/Ave Floors C UHWNin-Ave
d o(Stories 2 Full Basement Partial Basemenl Ezteria Walls AIumlStotlEAVe Walls D Wall-AVe
T e Det Att. S-Det.lEnd Urit Basement Area 1317 .R. Roof Sudace AS halt Sh-Ave TnmlFinish WOod-Ave
X Ezisu Pro osed UnderConst. BasementFinish 0% Gutters&Down outsAluminum-Ave Bathfloor Vin 1-Ave
Oesi S e Ca e Cod Ou[sitleEnt IExR Su Pum WindowT e Dbl Hun -Ave BachWainuot FG-Ave
Year Built 1900 Evidence of Infestatlon Storm SasNlnsuWted Yes-Ave Car Staa e None
EBecUve A rs 18 Da ness Settlement Screens Yes-Ave Drivewa t o(Cars 2
pn�� None Heati X FWA HWBB Radiarx AmeniUes WoodStoves i'0 Drivewa SurfaceAB h81t
Dro Stair X Stairs Other Fuel Gas Fire ace s�I 0 Fence None Gara Y of Cars 0
X Floor Scuttle Cooli CeriVal Air Conditionin X PatiolDeck 2Rear X Porcfi Front Ca rt N of Cars 0
Finished X Heated Individual X 0[her None Pod NOf1e Other Notl2 Att. Det. Buih-i� .
A liances Refri eraror X Ran e/Oven Dishwasher Dis sal Microwave WasherlD er Other descri6e
Finished area above rade coMains: 5 Rooms 2 Bedrooms 1.0 Bath s 1,421 S uare Feet ot Gross Livin Area Above Grade
Addrtianalteatures(specialenergyeRdernrtems,e�c.). No s �al ener efficient items observed. The sub'ect features are ical of similar
' imrovements in the area.
� Destribe the condition o(the property G�ludi�g needed repairs,deterioration,rerwvauons,remodeling,etc.). C3'No u ates in the �or 15 ears'The s�b�ed home
is well maintained and in overall avera e condition. There was an oil tank located in the front left corner of the basement. It showed no
si ns of leaka e or see a e and no odor associated with the tank.
Are there any physical deficiendes a adverse condi6ons that aflecl ihe livability,soundness,a sVucWrai iMe9rily of ihe property? Yes No If Yes,desuihe.
Dces tlie property generally con(wm to the neighborhood(furctlonal uulity,style,condition,use,consUuctian,etc.)? Yes No If No,descnbe.
� faric A�6e Form IOD/Marth 2(IPS
FrMA2M3CFOfIn70MxfU120f15 UADV21510119R011 Pmau�7us.yM7sanwere.eoo.Dlen7w�M.ecN�M/.un 1WIOSUAU07t2701/
page 1 d 6
.,�r�2wi n�in.�,irn nrrnr ,
Colestock Appraisal Services
3000147616
Uniform Residential Appraisal Report FileNo. 18848117
7here are 4 com arable erties wrrernl oBered mr sale inthe su'ect nei hbort�ood ran in c@ Gbm S 84 000 to 4 265 000
There are 12 com arable sales in�he su'ect nei h6ahood witltin the ast twelve mornhs ra i in sale rice from S 80 000 to S 195 000 .
FEATURE $UBIECT COMPARABLESALE N0.1 COMPARABLESALE N0.2 COMPARABLESALE N0.3
219 Enola St 40 Creekside Dr 240 W Columbia Rd 318 3rd St
nddress Enola PA 17025 Enola PA 17025 Enola PA 17025 Summerdale PA 17093
prozimi to Sub'ect 0.43 miles SW 0.94 miles NW 1.91 miles NW
Sa�e Price E : S 97 850 ' S 118 900 " S 120 000
salee RicdGross Ln�.nrea S 0.00 .n. S 84.94 .n. ' S 88.07 .rt. s 116.73 s.n.
Data Source s CPMLS#10256529'DOM 3 CPMLS#10258057'DOM 10 CPMLS#10243355'DOM 4
venficauon source s ' ' CPML Tax Records CPML Tax Recorcls CPML Tax Records
VALUEADIUSTMENTS DESCRIPTION � DESCRIPTION .(-s ' DESCRIPTION .I-0s �usm�n DESCRIPTION .��)sae' mKr+
SalewFinancing ArmLth 0 ArmLth 0 ArmLth �
Concesvons FHA•2850 -2 850 FHA•6300 -6 300 Conv2537 -2 537
DateafSaleliime s08/14•c07/14 s10/14'c08/14 s11/13'c09/13
Loca6on N'Res' N'Res' MRes' N'Res'
LeasenoldlFee Si le Fee Sim le Fee Sim le Fee Sim le Fee Sim le
Site 14375 sf 1.18 ac -4 250 4792 sf 0 9583 sf �
view N'Res' N'Res' N'Res' N•Res•
oesi s le DT2�Ca e Cod DT2•Colonial 0 DT2�Ca e Cod DT1•Ranch �
Qual' of Conswction Q4 �4 Q4 Q4
Aaual A e 114 114 68 0 74 0
condiuon C3 C3 C3 C3
AbOVC Gf2d¢ Tolal Bdrms Batl�s Tolal Bdrms Batl�t Tdal Bdrm�. Batln Total Bdrms BaM�s
RoomCount 5 2 1.0 5 2 1.1 -1500 5 2 1.0 5 2 1.0
cross u nrea 15 1 421 s.rt. 1 152 s.rt. 4 000 1 350 .e. 7 100 1 028 s.n. 5 900
easemeix&Finst�ed 1317sfOsfwo 576sfOsfwo 0 945sfOsfin � ��rpbr0 ObaOo� -4 000
Rooms Below Grade
Func[ional umi Avera e Avera e Avera e Avera e
- Heaun Cooli FWA None FWA None FWA None FWA C/Air -3 000
• Ener ErficieM nems None Noted None Noted None Noted None Noted
' Gara elCar wt 2dw 2dw 2dw 2dw
PortNPatiolDetk Porch 2Patio Porch Patio 2 000 Porch Patio 2 000 Porch Deck z 000
None None None � F�P
� Net Ad ustment 7aa� . - S 2 600 + - Y 3 200 + X- S 3 637
AdjustedSaleRice � NetAdj. -2.7% NetAdj. -27% NetAtlj. -3.0%
- otCom arables GrossA'. 14.9% S 95250 Gross '. 7.9% S 115700 Gross '. 16.2% Y 116363
I X did did not research the sale or Var�sfer histay of the subject property and comparaMe sales.I(rat.explain
M research did X did not reveal an 'a sales or translers of the su'ect ert lor ihe tlxee ears 'or to the ettective date o(Nis a raisal.
Data wurce s CPMLS and Coun Records
M research did X did nd reveal an 'a sales w transfers of the com arable sales for tlie ear 'a to tlie date of sale of lhe com araWe sale.
Data source s CPMLS and Coun ReCords
Re ort the rewl[s ol tlie research and anal 's of the ria sale w Vansfer hist of the su'ecl and co arable sales r n atldiuonal 'or sales on 3.
ITEM SUBJECT COMPARABLE SALE N0.1 COMPARABLE SALE N0.2 COMPARABLE SALE N0.3
Date of Prior Sale/Transfer
Pnce af Priw SaleRransfer
Daia sa,rce s Coun Records Count Records Count Records Count Records
Etlective Date ot Data Source s 10/24/2014 10I24I2014 10/24l2014 10/24I2014
AnalysisofpriasaleoraanslerMstoryofthewbjectpropertyandcomparaWesales No sales listed in the last3 ears otherthan listed above.
SummaryotSalesComparisonApproach. SeeAttachedAddendum
Indicated Value b Sales Com ariwn A oach E 116 000
Indica[edValueb: SalesCom risonA roachE116O00 CostA roach ifdevelo )E�
IncomeA roach ifdevelo 5
See Attached Addendum
.
' This appraisal is made 'as is' subject to comple6on per plans aM specifkations on lhe basis ol a hypothetical condition that the improvemeMs have been completed,
❑subject to the following repairs or alterations on the basis o(a hypaU�eUcal condNon lhat ihe repairs a allerations have been completed,a ❑wbjecl to the tollowing required
. inspection based on the exvaordinary aswmption that the condition or defkiency dces rat require aReration a repair: See Attached Addendum
• Besetlonacomple[e�Isuellnspectlonoflhel�terlorentlaxterlorereesofthesubJectproperty.tleflnedscopeotwark.statamentofessumptloosantlllmlUng
contll[lona,and epprelser's carllllcellon.my(our)opinlan of the markel velus,as da/inad,of lha reel proparty lhet Is lhe subJect of this report Is f ��6,0��
esot 1 4/ 14 �c n saeonn� cion arr w mi• ��� �
nm�r.a w5�a+on�.eaotxut�ww.xiwe.cem ame Mae F tmi_o�suwantm i
Freddie Mnc Fam 70 AMdi Z005 � UAD Veisim 4'2011 pay¢2 d 6
CHRIS COLESTOCK
���n u�in v•u rn7nr
Colestock Appraisal Services
3000147616
Uniform Residential Appraisal Report FileNo. 18848117
�:COSTAPPROACHTOVALUE(notre�uiredb�fannieMae) �' ��� �
Provide ade uate informatian for the lenderlclient to re licate ihe belaw cast fi res and calculations.
Support(orthe opiruon of srte value(summary ot comparable Iand sales or other methods fa esUmatlng site value) The site value was estimated based on information
from the MLS service and the Coun tax assessment records.
=s 25 000
ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW OPINION OF SITE VALUE...... s S O
. Source of cosl data Dwellin 1 421 S.Ft.@ 4
• Ef(ecCrve date of cost data BSrt1t:1317 S.Ft.Cd S 'f Q
. Qual' ratl 6om cost service
� CommeMs an Cost A roach ss livin area calculauons,de reciation,etc.
GaraelCaratO S.Ft,cE ����•�������=t �
Total Esumate ol CosFNew ............=S 0
Less 50 Ph ical Furxtional E�emal
D reciaUon =S 0
De ecia[ed Cos[of I ovements................................=S 0
'As-is"Value of Site Im rovemen[s................................=S
32 Years INDICATED VALUE BY COST APPROACH...... ......... =S 0
EsUmated Remairnn Economic Life HUD and VA or� . � � �
r'INCOMEAPPROACHTOVAI.UE(no[r uiredb FannieMae
� EsOma[ed Monthl Marke[Rent i X Gross Rent Multi ier =S Indicated Value 6 income roach
. Summary of Income Approach(inGuding suppat for marke[rent and GRM)
PROJEGTINFORMATIONFOR�PUDs(ifa� licable � � �
� Is tlie devel erlbuilder in conVol of the Homeowners'Assaiation HOA? Yes No Unilt s Detached Anached
Provide ihe follovnn mformation for PUDs ONLY if the develo edbuilder is in control of the HOA and the su6'ect ro e is an attached dwellin unit.
Le al name of to'ect
Total number o( ses Tatal number of units Total number of units sold
Tolal number of unts rented
Total num6er of units for sale Dala sourcr.s
Was the ro'ecl created b the cornersion oi an exis6n buildi s into a PUD? Yes No It Yes,dare ol cornersion.
. Dces the ro'ecl conlain an mul�-dwellin units? Yes No Data source s
Are Ihe units,common elements,and recreatlan ladlities complete? Yes No It No,deuribe the staNs of compleVon
• Are the common elements leased ro a by the Homeowners'Assaia6on? Ves No If Yes,describe ihe rental lerms and options.
Describe common elemenls and recreational IeciliUes.
Fane Mae Fam 1001 Ma�cM1 ri105
UPOVe15on9R011 Raacmuvgntlsdiwerceoo.z]I.Blnxwwx�meoxan 100/.OSUADORR011
ired0ie Mx fam 70 Marc1�2W5 Pa¢3 d 6 �
Colestock Appraisal Services
3000147616
Uniform Residential Appraisal Report FileNo. 18848117
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�se,intended user,defnition 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 appraisers continuing education or membership in an
appraisal orga�ization,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 a�d 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 anaiyze data from reliable public andlor 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 lendedclient 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 lenderlclient.
DEFINITION OF MARKET VALUE: The most probable price which a properly 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 ihe 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 aliowed for
exposure in the open market;(4)payment is made in terms of cash in U.S.dollars or in terms of financial arcangements
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 Vansactions. 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 markePs 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 subjec!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 othervaise 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 othervvise stated in[his aPppr�aisma/I(eport,the appraiser has no
knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the ro e such as,but not limited lo,
needed repairs,deterioration,the presence of hazardous wastes,toxic substances,adverse e�vironmental conditions,etc.)that
would make the properly 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.
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Colestock Appraisal Services
3000147616
Uniform Residential Appraisal Report FiieNo. 18848117
APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:
1. I have,at a minimum,developed and reported this appraisal in accordance with the scope of work requirements stated in ihis
appraisal report.
2. I 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 tivability,
soundness,or structural integrity of the property.
3. I 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. I 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. I 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. I researched,verified,analyzed,and repoAed on the prior sales of the comparable sales for a minimum of one year prior to the
date of sale of the comparable sale,unless otherwise indicated in this report.
7. I selected and used comparable sales that are locationally,physically,and functionally the most similar to the subject property.
8. i have not used comparable 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. I have reported adjustments to the comparable sales that reflect the markeYs reaction to the differences between the subject
property and the comparable sales.
10. I verified,from a disinterested source,ail information in this report that was provided by parties who have a financial interest in
the sale or financing of the subject property.
11. I have knowledge and experience in appraising this type of property in this market area.
12. I am aware of,and have access to,the necessary and appropriate public and private data sources,such as multiple listing
services,tax assessment records,public land records and other such data sources for the area in which the property is located.
13. I obtained the information,estimates,and opinions furnished by other parties and expressed in this appraisal report from
reliable sources that I believe to be true and correct.
14. I have taken into consideration the factors that have an impact on value with respect to the subject 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. I have not knowingly withheld any significant information from this appraisal report and,to the best of my knowledge,all
statements and infortnation in this appraisal report are true and correct.
16. I 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 ihis 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. 1 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 subjeci property or of the present owners or
occupants of the properties in the vicinity of the subject properry 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 predefermined 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. I 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 I will take no responsibility for it.
20. I identified the lendedclient in this appraisal report who is the individual,organization,or agent for the organization that ordered
and will receive this appraisal report.
21. The lender/client may disciose 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
oi the UMted 3tater,and�ny�t�te,the pi�trbt of Columb�s,or oth�r Jurlsdlqtlon�;wlthaut h�ving to obtsln th�epprai�ar's of
supervisory appraiser's(if applicable)consent. Such consent must be obtained before this appraisal report may be disclosed or
distribufed to any other party(including,but not limited to,the public through advertising,public relations,news,sales,or other
media).
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Colestock Appraisal Services
3000147616
Uniform Residential Appraisal Report FileNo. 18848117
22. I am aware that any disclosure or distribution of this appraisal report by me or the lenderlclient 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 transacUon 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 a�d 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. I directly supervised the appraiser for this appraisal assignment,have read the appraisal report,and agree with the appraisers
analysis,opinions,statements,conclusions,and the appraisers 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 repoR 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(ONL Y IF REQUIRED)
Signature �- Signature
Name Christopher M.Colestock Name
Company Name Colestock Appraisal Services Company Name
Company Address 300 Glenn Rd Company Address
Camp Hill PA 17011
Telephone Number 7177325515 Telephone Number
Email Address cole96(a�comcast.net Email Address
Date of Signature and Report 10I24I2014 Date of Signature
Effective Date of Appraisal 10/24/2014 State Certification#
State Certification#RL139151 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 O6/30/2015
ADDRESS OF PROPERTY APPRAISED SUBJECT PROPERTY
219 Enola St ❑Did not inspect subject property
Enola PA 17025 ❑Did inspect exterior of subject property from street
Date of Inspection
APPRAISED VALUE OF SUBJECT PROPERTY$116 000 ❑Did inspect interior and exterior of subject property
Date of Inspection
LENDER/CUENT
Name ServiceLink COMPARABLE SALES
Company Name Financial Freedom-Maturitv De�t ❑Did not inspect exterior of comparable sales from street
Compeny Address 2800 Es�aranze Crosalna Q Dld Inspect exleHor of compereble sebs from�troet
Auatin TX 78758 Date of Inspectlon
Email Address
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Page fi d 6 t001_OSUho ORRoI�
CHRIS COLESTOCK
Colestock Appraisal Services
3000147616
Uniform Residential Appraisal Report F��eNo. �aaaa„�
FEATURE SUBJECT COMPARABLE SALE N0.4 COMPARABLE SALE N0.5 COMPARABLESALEN0.6
219 Enola St 504 N 2nd St 920 Wertzville Rd 109 South St
nddress Enola PA 17025 Wormle sbur PA 17043 Enola PA 17025 Enola PA 17025
Prozimi �o5ubect 1.97 miles SE 1.46 miles NW 1.05 miles SE
Sale Pnce E r S 137 000 ' " S 150 000 ` r' S 103 900
Sale PricelGross uv.lvea Y 0.00 s.ft S 101.63 .ft. : ` Y 91.91 .R. S 122.52 .h.
Data Source s CPMLS#10252814'DOM 54 CPMLS#10231535'DOM 441 CPMLS#10250162•DOM 212
venficauon Source s CPML Tax Records CPML Tax Records CPML Tax Records
VALUEADJUSTMENTS DESCRIPTION� DESCRIPTION .6)s 'usunn+ DESCRIPTION .F)sna�owren DESCRIPTION .1�)s '
SaleorFinancing ArmLth 0 ArmLth 0 Listing �
Concessions Conv4110 -4110 Conv0 � '� �
Date of Sa�elTime " s09/14'c06/14 s04114'c02114 Active -2 078
LocaUon N'Res' N'Res' N'Res' N'Res'
� LeaseholdlfeeSim le Fee Sim le Fee S(m le Fee Sim le Fee Sim le
Site 14375 sf 6098 sf 0 25265 sf 0 4792 sf �
view MRes� MRes� MRes MRes
oesi n S e DT2�Ca e Cod DT2•Ca e Cod DT2•Colonial 0 DT1•Ranch 0
4ualit a�Conswction Q4 Q4 Q4 Q4
nctualA e 114 75 � ��4 ��4
Condi6on C3 C3 C3 C3
Above Grade rou� etrms aains roui edrms ead�s raai emns. aans Taai adrms eau�
Room Courn 5 2 1.0 5 2 1.0 7 4 2.1 -4 500 5 2 1.0
Gross'' /vea 15 1 421 s.ft. 1 348 .ft. 1 100 1 632 .R. -3 200 848 s.tt. 8 600
Basemer�aFiryshed 1317sfOsiwo 944sfOsfin 0 816sfOsfin 0 848sfOstwo �
Rooms Below Grade
Func�ionaluGli Avera e Avera e Avera e Avera e
HeaUn codin FWA None FWA CIAir -3 000 HWBB None 0 FWA None
Ener Etficiernnems None Noted None Noted None Noted None Noted
Gara elCar 2dw 2 d1c 4dw -7 500 1 d2dw -3 000 2dw
PacNPatiolDeck Porch 2Patio Porch Deck Pato 0 Porch Deck Pato 0 Porch Patio 2 000
None Fence -2 000 Fence Pool -6 000 1 FIP -2 000
Ne[Ad u5tmen[ otai + - E 15 510 + X- S 16 700 . - S 6 522
AdjustedSaleRice � NetAdj. -11.3% NetAdj. -17.1% NetAdj. 6.3%
� otCom arables ' Gross . 12.9% 5 121490 Gross ". 11.1% S 133300 GrossAd. 14.1% S 110422
ITEM � SUBIECT COMPARABLE SALE N0.4 COMPARABLf.SALE�.P10.5 COMPARABLE SALE N0.6
Date of Prior Sale/Transfer
. Price ol Priw SalelTrans(er
: Daia Source s Coun Records Coun Records Coun Records Coun Records
. Ettective Date of Data Source s 10/24l2014 10124/2014 10/24I2014 10/24/2014
Summary of Sales Comparison Approach
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Colestock Appraisal Services
3000147616
Uniform Residential Appraisal Report FiieNo. 18848117
fEATURE SUBJECT COMPARABLESALEN0.7 COMPARABLESAIE N0.8 COMPARABLE SALE N0.9
219 Enola St 403 Valley St
nddress Enola PA 17025 Enola PA 17025
Prozi ' wsuh'ect ' 1.63 miles NW
Sale Price S ; S 134 900 S S
Sa�e pricdGross lN.nrea f 0.00 s.R. S 108.09 s.ft. .�.. S .. ft �.'' t s.h. '�. ...
Data Sourw s CPMLS#10255502'DOM 117
Verificauon Source s ' : CPML Tax Records
VALUEADIUSTMENTS DESCRIPTION DESCRIPTION .(-s �usonen DESCRIPTION .1-)sna� an«w DESCRIPTION .(-)see�smcrw
Sale or Financing Listing �
Concessions ' '0 0
Uate of Sale/Time ��.� ACtive -2 698
LocaUon N'Res' N'Res'
Leasehold/Fee Si le Fee Sim le Fee Sim le
5i�e 14375 sf 7405 sf 0
yeW N•Res� N�Res�
oesi s le DT2�Ca e Cod DT2�Ca e Cod
quali of Conswctlon Q4 �4
Aauat A e 114 85 �
Condiaon C3 C3
AbovQGrade Tolal Bdrms BatM 7oWl BMms 8arta Tdal Bhms. Batls Tdal Bdms BaMs
rtoom Count 5 2 1.0 6 3 1 A �
Gmss Livi nrea 15 1 421 s.ft. 1 248 s.ft. 2 600 R. ft.
Basement a Fidshed 1317sfOs(wo 874sfOsfin 0
Rooms Below Grade
Functional uGli Avera e Avera e
Heatin Coali FWA None HWBB None 0
E Etficiern rtems None Noted None Noted
Gara elCar ort 2dw 2dw
PwchlPatlaoeck Porch 2Patio Porch Patio 2 000
None None
Net Ad'ustment olal + - S 1 902 + S ' S
• Adjusted Sate Price �Nel Adj. 1.4% Net Adj. % Net Adj. %
� of Com araWes � `Gross ' S.4% S 136 802 Gross % S Gross ' % S
ITEM SUBJECT COMPARABLE SALE N0.7 COMPARABLE SALE N0.8 COMPARABLE SALE N0.9
Date ol Prior Sale/Transfer
. Pdce of Prior SaleRransfer
: Daia Source s Coun Records Coun Records
. Eftecuve Date of Data Sarce s 10/24/2014 10/24/2014
Summary o(Sales Companson Approach
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Colestock Appraisal Services
3000147616
Uniform Appraisal Dataset Definitions F��eNo. �aeaa„�
Condition Ratings and Definitions
C1 The improvements have been very recently constructed aM have not previously been occupied.The entire sVucture and all components are new and the tlwelling features no
physical depreciation.'
'Note:Newly canslructed improvements that lealure recycled materials and/or components can be considered new dwellings provided that the dwelling is placed on a 100%new
loundation and the recytled materials and fhe recycled components have been rehabilitated/re-manulactured into like-new condilion.Recently conshucted improvemen(s lhat have
noI been previously occupied are not considered'new'il they have any signi�cant physical depreciation(i.e.,newly constructed dwellings tha(have 6een vacant!or an extended
period ol time witfwul adequate maintenar�ce or upkeep).
C2 The improvements feature no deferred maintenance,little or no physical depreciation,and require no repairs.Virtually all buildiny components are new a have been retenlly
repaired,refinished,or rehabi�dated.All outdated componeMs and finishes have been updated andla replaced with components that meet current standards.Dwellings in this category
eilher are almost�rew or have been recently completely renovated and are similar in condition to new construction.
'Note:The improvements represent a relalively r�ew property Ihat is well maintained wilh no de%ned mainlenance and litlle or no physical depreciation,or an older property Ihal has
been recently complelely renovated.
C3 The improvements are well maimained and feature limited physical depreciation due to normal wear and tear.Some components,but not every major building component,may
be updated a recently rehabililated.The struclure has been well maintained.
'Note:The improvement is in its�rst-cycle ol replacing sAort-lived building components(appNances,lbor coverings,HVAC,etc.)and is being well maintained.Its estimated eBective age
is less than its actual age.It also may rellect a property in which the majaity ol shat-lived building tomponents have been replaced bu(not to the level ol a canplete renovation.
C4 The improvements feature some minor deferred maintenance and physical dete�iaration due to namal wear and tear.The dwelling has been adequalely maintained and requires
only minimal repairs to building componentslmechanical systems and cosmetic repairs.All major buikling components have been adequalely maintained and are functionally adequate.
'Note:The estimated eflec[ive age may be close to or equal to iGs actual age.If reflects a property in which some o1 the short-lived building components have been replaced,and some
short-lived building components are at a near the end ollheir physical li/e expectanc}s however,they still lunction adequately.Mosi minor repairs have been addressed on an ongoing
basis resulting in an adequa�ety mainlained property.
C5 The imp�ovemems feature obvious deferred maintenance and are in need of some significarn repairs.Some builtling components need repairs,rehabilitation,a updating.The
functbnal utility and overall livabilily is somewhat diminished�e to conditbn,but the dwelling remairrs useable and functional as a residence.
'Nole:Some significant repairs are needed lo fhe improvemenls due to the lack o(adequa(e mainlenance.ll re0ects a property in which many ol its shal-lived building componenls aie
at the end oI a have exceeded Iheir physkal lile expectancy but remain lunctional.
C6 The improvements have substantiat damage a deferred maintenance wilh deficiencies a de(ects that are severe enough to alfect Ihe safety,sou�dness,or structural integrity
of the improvements.The improvements are in need of substantial repairs and rehabilitatbn,including many a most maja components.
'Note:Subsfantial repairs are needed to(he improvements due to the lack o/adequale maintenance a property damage.It re(lects a property with conditans severe enough to a8ect
. the satety,soundness,or structural in(egrity ol the improvements.
Quallty Ratings and Definitions
Q1 Dwellings with this quality rating are usually unique structures that are individually designed by an archilect fa a specified user.Such residences typicalty are constructed from
detailed arch�ecwral plans and specifications and feature an ezceptionally high level of xrorkmanship and exceptbnally high-grede meterials tMoughout the interior and exteria ot the
slructure.The design features exceptionally high-qualily exteria refinements and ornamentation,and exceptionally high-quality interia refinements.The wakmanship,materials,and
finishes throughout the dwelling are of exceptionally high qualily.
Q2 Dwellings with this quality ra�ing are oflen custam designed for construction on an individual property owner's site.However,dwellings in this quality grade are also found in
high-quality trac�developments featuring residences constructed from individual plans w from highly modified a upgraded plans.?he design(eatures delailed,high-quality ezteria
ornamentation,hgh-quality imeriar refinements,and detail.The workmanship,materials,and finishes Ihroughout the dwelling are genr,rally of high a very high qualfly.
Q3 Dwellings with this qualay rating are residences of higher quality built from individual or readily available designer plans in above-standard residential tract devebpments a on
an individual property owner's sue.The design includes significant exteriw ornamentation and interiors that are well finished.7he workmanship exceeds acceptable standards and
many materials and finishes throughout the dwetling have been upgraded Bom'stak'standards.
Q4 Dwellings with this qualay rating meet a ezceed the requirements of applicable building codes.Standard a modified slandard building plans are utilized and the design includes
adequate fenestration and some exteriw ornamentation and interior refinements.Materials,workmanship,finish,and equipment are of stock a builder grade and may feature some
upgrades.
QS Dwellings wah this quality ratirn�feature econany of conswctbn and bask functbnality as main considerations.Such dwellings feature a plain design using readily available a
basic floor plans featuring minimal fenestratan and basic finishes with minimal ezlerior anamernation and limited interior detail.These dwellirgs meet minimum building codes and are
conswcted with inexpensive,stock materials with limded refinemems and upgrades.
Q6 Dwellings with this quality rating are of basic quality and lower cost:some may not be suilable fa year-round occupancy.Such dwellings are oflen built with simple plans w
without plans,often utilizing the Iowest qualily buildinq materials.Such dwellings are often buifl or expanded by persons who are professionally unskilled a possess only minimal
consvuction skills.Electrical,plumbing,and other mechanical systems and equipment may be minimal or non-existent.Older dwellings may(eature one or more substandard or
non-conforming additions to the aiginal structure.
Definitions of Not Updated,Updated,and Remodeled
Not U pdated
Litde or no upda[ing or modemization.This descrip[ion includes,but is no[limited[o,new homes.
Residential properties o(fiheen years of age a less ohen reflect an original condilion with no updating,i(no major componenls have been replaced or updaled.Those over fifteen
years of age are also considered not updated if lhe appliances,fiz�ures,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 de(erted maintenance a physical I(unctbnal deterioration.
Updated
The area of the home has been mod ified to meet current marke[expectations.These modifica[ions are limited i n terms of both scope and cos[.
An updated area of the home sfauld have an improved look and feel,a func[ional utility.Changes that constitute updates include refurbishment andlor replacing components to meet
existing market expectations.Updates do not inclutle significaM alteratbns to the existing sUuclue.
Remodeled
SigniFican[fin ish and/or struc[ural changes have been made[hat increase uti l iry 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 o(the following: replacement of a major component
(cabinet(s),bathtub,or bathroom tile),relocation of plumbinglgas fixtureslappliances,significant structural alteralions(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 o(the period.The half bath count is represenled to the
right M the perlod.Three•quarter baths are to be cauMed as e lull bath M all cases.Quarter beths(belhs thet(eatura only toileq are oot to be inchded in Ihe halMoom counl.
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Colestock Appraisal Services
3000147616
Uniform Appraisal Dataset Definitions FNeNo. 18848117
Abbreviations Used in Data Standardization Text
Abbrev. Full Name Appropriate Fields Abbrev. Full Name Appropriate Fields
a� Acres Area,Site in IMeria Only Stairs 8asemeM&Finished Rooms Below Grade
AdjPrk Adjacent to Park laation LndFl Land(ill Laation
AdjPwr Adjacent to Power Lines Location LtdSgM Limited Sight View
A Adverse Lotation&View Listing Listirg Sale a Financing Concessions
ArmLth Arms Length Sale Sale a Financing Concessions MR Mid-Rise Slructure Design(Style)
AT Attached Struaure Design(Sryle) Mln Mountain View View
ba Bathroom(s) Basemem&Finished Rooms Below Grade N NeuVal Location&View
br Bedroom Basemen�&Finished Rooms Below Grade NonArm Non-Arms Length Sale Sale or Financing Concessions
g Benef�cial Location&View op Open GaragelCarport
BsyRd Busy Road Location o Other Basemern&Finished Rooms Below Grade
�p Carpat GaragelCarpat 0 Other Design(Sryle)
Cash Cash Sale or Financing Concessions Prk Park View ��
CtySky City View Skyline View View Psvl Pastaal View View
CtySU City Street View View PvnLn Power Lines ��
Comm CommerciallnFluence Location PubTrn PublicTranspafalion Location
c Contracted Date Date o(Sale/Time rt Reueational(Rec)Room Basement&Finished Rooms Below Grade
Conv Cornemional Sale a Financing Concessions Reb Relaation Sale Sale a Financing Concessions
cv Covered GaragelCarport REO REO Sale Sale a financing Concessions
CrtOrd Court Ordered Sale Sale a Financing Concessions Res Residential Location&View
DOM Days On Market Data Sources RT Row or Townhouse Design(Style)
DT Detached SWcture Design(Style) RH Rural Housing-USDA Sale a Financing Concessions
dW prN�yyy GaragelCarport SD Semi-delached SVuctue Design(Syle)
Estate Estale Sale Sale a Financing Concessions s Settlemern Dale Date of SalelTime
e Expiratbn Date Date of SaleRime Short Shal Sale Sale or Financing Concessions
FHA Federal Housing Aulhority Sale or Financing Concessions sf Square Feet Area,Sue,Basemern
g Garage GaragdCarpat sqm Square Meters Area,Site,easemern
ga Garage-Attached GaragelCarport Unk Unkrawn Date of SaleRime
gbi Garage-Buift-in GaragelCarport VA Veterans Adminisiration Sale a Financing Concessions
gd Garage•Detached GaragelCarporl wo Walk Oul Basement Basement&Finished Rooms Below Grade
GR Garden Swcture Design(Style) wu Walk Up Basement Basement&Finished Rooms Below Grade
GtlCse Gdf Course Lowtion WIrFr Water Frontage Location
Glfvw GoH Course View View Wlr Water View View
HR High Rise Strudure Design(Sryle) w Wilhdrawn Date Date of SaleRime
Ind InciusVial Laation&View Woods Woods View ��+
Other Appraiser-Defined Abbreviations
Abbrev. FuIlName AppropriateFields Abbrev. FuIlName AppropriateFields
�,���
iao�osu�ooinm,.
UADV&SId19R011 RaW[C9uX9��e•��71s1itWrN.etMeo.wn
� . 111Y�am APP�iiSd Delesel OtlNYtl0115
3000147616
ADDENDUM File No. 18848117
Neighborhood Market Conditions
There are no foreseeable economic trends which might significantly influence market conditions in this area.The current
mortgage market offers a wide variety of conventional loans with competitive interest rates.As a result,the terms of financing
have little,if any,impact on sale prices.If interest rates remain reasonable,property values and marketability should be
stable.
Comments on Sales Comparison
After a thorough search of all available market data,the sales used are considered to be the best indicators of value.
Appropriate adjustments have been made for all differences.All sales are considered to be reliable indicators of value,and
are weighted similarly in the final reconciliation.Comparable sales used are all closed sales.A thorough search for
comparable sales has been made to find sales which bracket the final value estimate.Other comparables analyzed would
have required less desirable adjustments and were not used for that reason.All comparable sales are located in the same
market area as the subject and would be considered by the same prospective purchaser of all were on the market at the
same time as the subject.The appraiser has selected the best comparables available currently.
The borrower's last name is Marshall,not Marsdhall. This has been corrected on the appraisal.
The comp pictures used are from the MLS Service. An exterior inspection waS performed to ensure the accuracy of the
photos.
The subject home's value is less than the predominant value for the area. The subject home is not an underimprovement
and this has no negative effect on the marketability of the home.
There were no time adjustments made for homes that closed over 6 months ago. This market area is stable in values,and
there was not enough market data to wartant any time adjustments.
I certify,as the appraiser,that 1 have completed all aspects of this valuation,including reconciling my opinion of value,free of
influence from the client,clienYs representatives,bortower,or any other party to the transaction.
The MLS numbers were added to the sales/financing line item on the grid.
The sales used in this report are void of foreclosure or non-arms length sales. This was confirmed through the MLS and
county tax database.
The lot adjustments that were made were based on the value of excess land. These adjustments were based on the
assessment data for this area,as there were no current sales of excess land. The adjustments were made on the
conservative side of the value range. There were no adjustments made for differences of less than.50 acre. The
adjustments made were for size only. The adjustment was based on a$5,000 per acre adjustment.
It is noted that comparables#5 and#6 were on the market longer than normal for this report. This was due to the homes
being overpriced when initially listed for sale.
It is noted that the range of values for this report is larger than normal,or 15%adjusted and 25%unadjusted. This was due
to the lack of similar homes at this time. The homes that were used were the most similar to the subject home at this time.
These homes would appeal to similar buyers of the subject home and are considered reliable indicators of value.
It is noted that comparables#3,#4,#5,#6 and#7 are located outside the normal 1 mile radius from the subject home and
across major roadways. This was also due to the lack of similar sales at this time. These homes were located in similar
areas as the subject home and are appropriate at this time. There were no location adjustments made at this time,as the
market data did not show any negative impact on the marketability of the homes due to their locations.
It is noted that comparables#1.#3 and#6 are smaller than the subject home,by more than 300 square feet. These homes
were used due to the nature of the construction,amenities and condition of the homes. These homes have been adjusted
for differences and are considered appropriate at this time.
There were no age or condition adjustments made for this report as the homes that were selected were of similar effective
age of the homes provided..
It is noted that comparables#3 and#5 are outside the normal 6 months from closing. This was also due to the lack of
similar sales at this time in this area. The homes selected were from similar areas and of similar construction. There were
no time adjustments made as this area is relatively stable for homes of this value and customization.
These homes were the most comparable to the subject home at this time.
The utilities were on and functioning at the time of inspection.
Comparable Search Data Parameters.
The appraiser initiaily searched a radius of 1 mile from the subject home for homes that were ranch to 2 story homes.This
search was for homes built within 10 years of the subjecYs age and square footage of 800 to 1700.These homes were
between 2-3 bedrooms and closed within the last 6 months.The quality of materials and amount of amenities were to be
similar.Due to the limited number of sales,the appraiser had to extend the search parameters to a distance of 2 miles with
using homes that were outside the normal search guidelines.The closing dates had to be moved out to 12 months in order
to find homes to bracket all aspects of the subject home.The most comparable homes were selected based on the above
criteria,and adjustments were made for the differences. The homes were selected from similar areas as the subject home
and were the most comparable at this time. The sales in this area are very limited and even more limited for homes of the
qAOeMm Pa3e 1 d 3
3000147616
ADDENDUM F��e rio. �asaa�i�
subjecYs size and amenities. The search parameters had to be extended in order to find homes of the quality and condition
as the subject home. The appraiser selected the most appropriate homes at this time and has made adjustments for the
differences. There were simply very few sales of similar homes in this area,therefore the appraiser had to expand the
search parameters to other areas that are considered comparable. This was the best that could be done at this time. In the
expanded search the BEST available similar characteristic comparables were chosen to be reconciled and adjusted
accordingly.The comparable properties selected are considered the best available and most comparable,therefore
included and reconciled within this appraisal report.All adjustments made for comparable dissimilarities are market derived
according to FNMA guidelines.Comparable adjustments are made as warranted when market research deems verifiable,
justifiable and credible.Please note that AVM data may not be deemed as arms length reliable or verifiable subject similar
data and may or may not be included within sales range listed on the top of page#2 of the appraisal report.
The subject home is located in the FEMA disaster area for Hurcicane Sandy,Irene and Lee and the storms of 2014. There
was no damage to the subject home due to the high wind,heavy rains or flooding associated with Hurcicane Sandy,Irene
and Lee and the storms of 2014. The neighborhood appeared to be in good condition and no damage was visible at the
time of this inspection. There is no effect on the value or marketability of the subject home due to this storm or the FEMA
disaster area designation.
CPML stands for Central Penn Multi-Llst Service.
The exposure time for this property is estimated at 3-6 months based on the market data available. This would be the
estimated length of time that the property interest being appraised would have been offered on ihe market prior to the
hypothetical consummation of a sale at market value on the effective date of the appraisal.
The concessions reported in this appraisal were of either cash or credit towards the lender's fees and closing costs
associated with the loan. This is common and typicai for this market area and has no negative effect on the marketability of
the home.
There were no style adjustments made as the market data did not warcant them at this time.
There were no adjustments made for differences in bedroom count,as the market data did not warrant them at this time.
The site value for this home is$25,000. The cost approach was not completed as per the lender's instructions.
The plat map was added to the report for the site dimensions. The legal description was not available through the course of
normai business at this time.
The appraiser attempted to use paired data analysis for the adjustments i�this report. When the market data was not
available to be able to complete this,the appraiser relied on his experience in this market area and previous appraisals.
The appraiser attempted to bracket all aspects of the subject home in this appraisal.
The adjustments made for the finished basement area were based on a per room adjustment. The rec room area for these
homes were adjusted by$4,000,$3,000 for a bedroom/den,$3,000 for a full bathroom and$1,500 for a half bath. This was
based on the limited market data,as well as previous appraisals that were compieted for similar homes in this area. This
was the best that could be done at this time based on the current market data.
The vacant land for this report was comprised of undeveloped farmlandlwoodtands,parks,utility access and municipal land.
All adjustments made in this report were based on the market data available and the appraiser's experience and previous
appraisals in this market area. This was the best that could be done at this time.
The adjustment made for central air was set at$3,000. This was based on the limited market data,the appraiser's
experience in this market area and previous appraisals completed in this market area.
The adjustment made for extra fireplaces was set at$2,000. This was based on the limited market data,the appraiser's
experience in this market area and previous appraisals completed in this market area.
The adjustments made for fences,porches,patios,decks and balconies was set at$2,000. This was based on the limited
market data,the appraiser's experience in this market area and previous appraisals completed in this market area.
The adjustments made for garages was based on$3,000 per car storage and$1,500 per car for carports. This was based
on the limited market data,the appraiser's experience in this market area and previous appraisals completed fn this market
area.
For the final value,comparables#1,#2,#3,#4 and#5 were given more weight due to their closed status. Of these homes,
comparables#1,#2 and#4 were given more weight due to their closing dates and amenities. Of these homes,
comparables#2 and#4 were given the most weight due to their styles and amenities. The final value was bracketed by the
adjusted and unadjusted sales prices of the homes provided.
It is noted that the subject home is in close proximity to commercial areas,major roadways,industrial areas,railroad Vacks
and vacant land. The market data did not show any negative impact on the marketability of the homes in this report due to
these areas. There were no adjustments made for these areas as the homes selected were all from the same market area
and would be inFluenced in the same manner from these areas. There is no negative extemal influences for this home.
Sales concessions are common and typical in this market area and range from 0-6%on average. The concessions were
adjusted for in this report as the market data that this is customary for this market area.
nmanam�je z a s
3000147616
ADDENDUM Fi�er+o. issaai»
There were no adjustments made for difference in bedroom count of 25%or more as the market data did not warrant them
at this time.
There were no adjustments made for difference in basement square footage of 25%or more as ihe market data did not
warrant them at this time.
It is noted that comparable#5 has 2 more bedrooms than the subject home. This home was used in order to bracket the
size of the subject home. There were no adjustments made for bedroom count as the market data did not warrant them at
this time.
Final Reconciliation
This appraisal assumes a reasonable marketing period for the subject property of four months.The Sales Comparison
Analysis reFlects recent activity in the market place and is given the most weight.All comparable properties are of similar
construction and located in like geographical and demographic areas.The Appraiser has chosen the best comparables
available.Location and property are acceptable.
Refer to the attached Commonwealth of Pennsylvania State Board of Certified Real Estate Appraisers"Approved checklist
for assistants'for a detailed description of assistance provided to the state certified appraiser. This checklist is an integral
part of this report,and its inclusion in this report is mandated by regulation of the State Board of Real Estate Appraisers.
Assistance as described on checklist was provided by Jason S Gossard.
I have no current or prospective interest in the subject property or the parties involved;and no services were performed by
the appraiser within the 3 year period immediately preceding the acceptance of this assignment,as an appraiser or in any
capacity.
Conditions of Appraisal
This appraisal report has been prepared with the property in"as is'condition.No repairs are needed or required.No
personal property has been included in this valuation.The appraiser considered only those items that were permanently
attached to the property as realty.Any items not so a�xed,such as refrigerators,washers,dryers,above ground swimming
pools,etc.,were not included in the estimate of the market value.According to records provided by the county assessment
o�ce,the subject property has not transferred in the past year.The electronic signature on this report has a security feature
maintained by a password that allows no person to alter this report with the exception of the original signing appraiser."This
summary appraisal report is intended for use by the lender/client and its"successor and/or its assigns'for a mortgage
finance transaction only. This report is not intended for any other use."
The intended user of this appraisal is the Lender/Client. The intended use is to evaluate the property that is the subject of
the 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.
qddentlim Page 3 of 3
Colestock Appraisal Services
3000147616
Market Conditions Addendum to the Appraisal Report FileNo. 18848117
The purpose of this addendum is to provide the IenderldieM with a clear and accurate understanding of the market Vends and conditions prevalen[in the su6ject neighbataod.TNs is a required
addendum fw all a isal r rts with an eBeclive date on a after ril t 2009.
Pro en Address 219 Enola St Ci Enola State PA Zi Cotle 17025
Borrower Carla Marshall
Insvuctions: The appraiser must use the inlarmation required an U�is lam as the basis lor hisAier canclusions,and must provide support for Ihose conGusians,regarding hauvng trends and
overall markel conditims as reported in the Neighborhood sec6on of Ihe appraisal report(orm.The appraiser must fiA in atl the information to the eMent it is availaWe and reliaMe ard musl provide
analysis as indicated beiow.If any required data is unavailab�e ar is considered unreliable,the appraiser must provide an ezplanation.II is recognized ihat not ali dala sources will be able to
provide data fa tlie shaded areas below;N it is availade,however,the appraiser must indude Ihe data in Me analysis.l(dala sources provide the required infamaUon as an average instead of the
median,tlie appraiser slwuld report Uie availaWe figure and ideritlfy R as an average.Sales and Gstlngs must be properties ihat compete with the subject property,dMermined by applyirg[he crheria
Ihat would be used b a ro ective bu er o(the sub'ect r e .The a aiser must ex lain an arwmalies in the data such as seasonal markets new consVuction faeclosures etc.
Invent Mal sis '��� �'i Prior 7-12 MomM Pnw 4-6 MonU�s Curtent-3 Months Overall Trend
Totall'ot Com arable Sales(Settled) 4 6 2 Increasin X Stable Declinin
Abs tion Rate(Total SaleslMonlM) 0.67 2.00 0.67 Increasin X S�able Declini
Total►of Com araMe Active Listi 2�'�. � 5 4 DecGnin �Stable� �" Increasin
Manths of Housin Su I (Total Lis6n 9Ab.Rate) �2.99' °�2.50 5.97 '� Declinl �� Stabk����- �� Increasin �
MedianSale&ListPrice.bOM,SaIelList% ' Prior7-12Months Prior4-6Months Cunent-3Months OverallTrend
Median Com arabte Sale Price 134 500 92 500 115 175 Increasin X Stabk Declinin
Median Com arable Sales Da on Market 29 10 101 �eclinin X Stable Increasin
Median Com arable Lisl Pnce `94 400 124 900 ' 112 250 Ir�creasin Stable Declini
Median Co arable Listin s Da on Market ��� 240 � 139 44 Declinin Sta61e��� � Increasin � �
Median Sale Pnce as%of ust Price 98.00% 97.00% 98.00% Increasin X Stable Declinin
. Seller-(developer,6uilder,ett.)aid financial assistance evalent? Yes X No Declinin X Stahle Increasin
Explain in detail the seller concessions Vends tor lhe past 12 manths(e.g.,seller contributions increased(rom 3%l0 5%,increasing use of buydowns,closing costs,condo(ees,optiorn,etc.).
: Seller concessions are common for this market area. The market data does not show an abnormal increase or decrease in seller
concessions.
. Are IaeGosure sales(REO sales)a factor in Ihe market? Yes Na If yes,explain(including the vends in listings and sales oi foreclosed properties).
Citedatasourcesforaboveinlama6on. MLSandCount TaxDatabase
Summarize Ihe above intormatlon as support(ar your conclusions in Ihe Neigh6arhood sectlon of the appraisal report form.lt you used any additional information,such as an analysis o(
pending sales andla expired and wilhdrawn IisUngs,to famulate your conclusions,provide b�h an explanatlm and suppon for your conclusions.
The sub'ecYs market area is currentl stable for home values. This area has not shown an abnormal increase or decrease in ro ert
values at this time.
Ifthesub�ectisaunitinacondominiumorcoo rative ro'ect.com letethefollowin : ProectName:
Sub�ect Ro'ect Data Prior 1-12 Months Pnor 4-6 Months Current-3 Months Overall Trend
Total R of Co arable Sales(Settled) Is�creasin Stable Declinin
A6sor tion Rate(Total SaleSlMonthS) Increasin Stable Declinin
Tolal i o(Active Com arable Listin Dedinin �� Sta61e � Increasin
MoMhs of Unit Su I (Total Lisu s1Ab.Rate) � ��� "'�� Declinin �-�. � ' �Slable�.� "�� Increasin -
Are foreclowre sales(REO sales)a lactor in Ihe project? Yes No If yes,intlica[e the numher o(REO listings antl explain the trends in listirgs and sales ol loreclosed properoes.
� Summarize the above trends and address the impac[on the wbjecl unit and praject. �
APPRAISER SUPERVISORY APPRAISER(ONLY IF REQUIRED)
Signature /��'^'�����.-�i'�� Signature
Name Christopher M Cole�tock Name
Company Name Colestock Appraisal Services _ Company Name
Company Address 300 Glenn Rd Company Addreas
Cem HIII PA 17011 State
State License/Certification#RL139151 StatePA State License/Certification#
Email Address cole96na comcast net Email Address
pmO�teC uvny qCj san�aie.80017/8tt7 wwacMM.can Famie Mae Falm IOMMC March 2D09
FreAdie Mac Fam 71 March 2a09 page 7 d 1 IOW�10U909a909
DIMENSION LIST ADDENDUM
BorroweC Carla Marshall File No.: 18848117
Propertv Address•219 Enoia St Case No.:3000147616
Ciry�Enola $t2te:PA Zip:17025
Lender:Fin n i I Fr m- ri
GROSSBUILDINGAREA(GBA) 1,421
GROSS LIVING AREA(GLA) �.42�
Area(s) Area %of GLA %of GBA
Living 1,421 100.00
Levell 987 69.46 69.46
Level2 434 30.54 30.54
Level3 0 0.00 0.00
a�� o o.00 o.ao
GBA
Basemenl ❑ ��3��
Garege ❑ �
❑
Area Measurements Area Type
Measurements Factor Total Levell Level2 Level3 Other Bsmt. Garage
21.00 z 2.30 z 1.00 = 48.30 QX Q ❑ ❑ ❑ ❑
2.30 x 2.00 x 0.50 = 2.30 QX ❑ ❑ ❑ ❑ ❑
2.30 x 2.00 x 0.50 = 2.30 �X ❑ Q � ❑ ❑
32.00 x _�2S?Q x �Q4 = 384.00 ❑X ❑ Q ❑ ❑ 0
25.00 x 22.00 x 1.00 = 550.00 QX ❑ ❑ ❑ ❑ ❑
8.00 x 7.00 x 1.00 = 56.00 ❑ Q ❑ � ❑ ❑
27.00 z �9..QQ z �.44 = 378.00 ❑ �X 0 ❑ ❑ ❑
�QQ x �3.42 x �.44 = 1.100.00 ❑ Q ❑ ❑ � ❑
12.00 x 7.00 x 1.00 = 84.00 ❑ ❑ ❑ ❑ � ❑
19.00 x 7.00 X 1.00 = 133.00 ❑ ❑ ❑ ❑ � ❑
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SUBJECTPROPERTYPHOTO ADDENDUM
Borrower Caria Marshall File No.: 18848117
PropertV Address•219 Enola St Case No.:3000147616
��Enola State:PA Zlp:17025
Lendef:Financial Freedom-Maturf De t
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Appraised Value:$1�s,000
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INTERIOR PHOTOS
Bot�ower:Carla Marshall File No.: 18848117
Property Address•219 Enola St Case No.;3000147616
Ci[y�Enola State:PA Zlp:17025
Lendef:Financial Freedom-Maturi De t
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INTERIOR PHOTOS
Bofrower:Carla Marshall File No.: 18848117
PropertY Address•219 Enola St Case NU.:3000147616
Clty'Enola $t2lC:PA Zlp:17025
LCndef:Financial Freedom-Maturi De t
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Borrower.Carla Marshau File No.: 18848117
PropertyAddress•2�9 enoia St Case No.:3000�476�6
Clty'Enola $[ale:PA Zlp:17025
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��,�, ���fi� & , "� Sale Date:s08114;c07/14
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BoffOweC Carla Marshall File No.: 18848117
Pro ert Address:2�9 enoia st Case No.:300o1a�616
City Enola Slale�PA Zip:17025
Lendef:Financial Freedom-Maturit De t
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Borrower:Car1a Marshau File No.: 18548117
Pro ert Address:219 Eno1a St Case No.:3000147616
C�It Enola Slete' PA Zlp:17025
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Pro rt Address:219 Enoia st Case No.:300014�si6
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BOf�OwOf•Carla Marshall Fi�e NO.: 18848117
Proper[Y Address•219 Enola St Case No.:3000147616
City'Enola St2tC:PA Zlp:17025
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Bor�ower:Carla Marshall File No.: 18848117
Pro ert Address:2ls Enola St Case No,:30001476�6
Clty Enola $tale:PA Zlp:17025
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Boftowe�:Carla Marshall File No.: 18848117
Pro ert Address:219 Enola st Case No.:300014�616
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BOffowef:Car1a Marshall File No.: 18848117
Pro ert Address:219 Enola St Case No.:3000�476�6
Clty Enola Stet@'PA Zlp:__7_7025
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Boffowef:Carla Marshall File NO.: 18848117
Pro ert Address:219 Enoia St Case No.:3o0o1a�616
� Enola Stete'PA Zlp:17025
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Borrower:Carla Marshall File No.: 18848117
Pro ert Addres5:219 Enola St Case No.:3000147616
Ci Enola S[2te�PA Zlp:17025
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Boffowef:Carla Marshall File No.: 18848117
PropertyAddress2�9 Enoia St _ Case No.:30oo�4�s�s
Ciry Enola St2[e PA Zip:17025 _
Lendef:Financial Freedom-Maturi De t
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T!ta ass9siant to the 3taNt GCrCilied raal a:ctata Appra{ser for thia rapoR has assistad i�x ihe tollowYng:
1/ Srl up the ttle wlth atl tOlms attd genarat€�rlrirtrnatlon!or ih►s ra�arL �
� 4rd6Mmatin and map r 6n��o��+and ma0�.laar�Aiah m�p anti atmflnr Iniixmadonp�FEaod Ftazatd �
�/ Aeeamprnled and az�si�lad in ltse#�sDeclion o�iha nuhjecf D�pPenY.
�, �i Q w�x�
acsise.a ir,sneey:ing ma�a��t,�.e�.�w nese uw or te*4 s� eet r
ta xerifiad urael art�vlqzed the comparabfe
toemation fot aom�arabie land sa6tes da .
�' Assksked Ln 9adtari�9 fn I
� land salaa date. I
y� Assistad'rn gath�n9 fnfornwiian fw tHa Cosi Appraath tla�a,analyzed arsd uateK:ted�aos4 amaunes. I
y� Asst�ted iao qathehng inEvrmatian ior�ira Inaatna APProsch data.verified 0nd xn�ly;t[+Dd Rfis rental data.
, � A�Rertad Fn OaNterinp la�tormatmn!ar wmparabFa m�rkat sales data.var+ti,�d and ar,e�yr.,a tna i
r,ompare6le rnerkat sal�e date. �I
�I Ass�st+�d in yeritylnq data al tha Tax Aszessment C31'lis�,Recorder ot t3�edz CMfice�County S7�B nwnihly I
� r�.port,County rtiaralEohe service antllor k�at t111S Servtco.
�r"' Nsststad M the�ealwiv��iilspaclian�t'N+e Y61es,r�ntals,iand a�ad ethwr caanpara6los,
�! Aaz�ISi�t!in�k@tcttdta��rq. '
�i �l' Rssfated!rt Gttka�tri9 gu�act arrd comynrad�ls dal,n on ths iwm and uw data fh kho caommeflt aroas.
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�/ /W+SIGlPd in.f{rwl faCiiltetl39tiOn and TH'!il e6tlmaCw�'vwltu�n(IhC wlsJQct AfQP��Y�� I
�( Asslsitd irt tite t�naE roviaw of thia repvrt. �I
�/ Acsistad rn puuing lagalhw�nd packapisg che t�rwl repust. I,
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slGP9ATUR��F A��iSYANTfYRA1NEE; ���qws.�_.---.— ..°,
w M watk dana by the assistenlltralnee and vatitG�s I
7'ho suP��+*isi��sut+cartif+ed eaatl e+�te appr�lser did r�wlo t I
#tfo ass'tsfanVtrain�0 ditl a4siaS wlih tha itams sheckad�wave.
SIGTlAT13t2E !l�RViSENG S'1' 1 E C�TIFlEQ REAL E31 AT�APPRAISGR:
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300 Glenn Road,Camp Hill,PA 17011
Borrower:Carta Marshall File NO.: 18848117
Pro ert Address:zl9 Enoia St Case No.:3oo0�a�616
Ciry Enola Stete:PA Zip:17025
LendeC Financial Freedom-Maturi De t ______._ -
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300 Glenn Road,Camp Hill,PA 17011
BoffOwef:Carla Marshall File No.: 18848117
Pro er Address:219 Enoia St Case No.:3000147616
� Enola State'PA Zlp:17025
LendeC Financial Freedom-Maturit De t ____-___ --- —
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LEXIN�Tt�N INSURAt+lGE CC�MP'AiJY �
�l�L�iL`+G:TU�.DEL�R:�RE i
h�.rnuu,.a.o t:iQC�...t t�-.tium..re�:%aew,f�.w.+.:%t»sr.at, .uv��,t��:��.
CYR{FIGd�!HQ11t{rer: �!$39$3�6-0�
Thas Certificatr€otms a part atlAaster Policy Mumber. �t8385876-U?
Reaewal of Master PaCiey Num6er: Ot83696t6 �'
YtIUTt Ri3K PtlRCNASINCs�'.,ROUP MASTER PflL1CY IS At CLAi1�tS MADE POLFCY.
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�tFJ4U T}fE 11T7A�H£d 1dASTER PdL�Y GAREFt3lLY
TH=+��'<ER�C�4k��AL�Eh+!V�s-�TAT=�ERT;F§Ei�F�.?a'!=va';�E-;5
CEftTIFCGRTE(?E�L-4?3+A'1C�w:� I
I 1. Flamrand Rd�rss o[Certificatr Halder �ot�rsta�cic ApPra sai 5e��dt�b4ra
31Pt5 Q1aen Road
Camp Wiq PA 17lIt t I
2. Certsfcau Period� �ftcctive�au�' O6+G8d1d to Enprcstion Date: 06lD8ti5 il
I •�.�i a,m,t.mca:Tnne acme rowema cArsr a,wree,
28� REtrtreotsY2€}dt2: G°6.Kt8JliS
°�_:��a.++,.=s�ecr�s�,•_at U.e�affrsu e':-ic bns•rea:_
3� Limtit af Li�iliry: S t,tIO�.Ot�t! �ach r:lairn
f 4,900�,Q8Q aggregate lim8t
d, dedc�cRbFe: S 1,IIG� each ciaim
� c cII �
5. Prrs€essiona#Car�rer!Se[+tices'tnsured�y this policy ar�; t ` -�T������ ��``y R'�
I6. Advancz GerEificake Ha€tlef Fr�etium: 5 1.003
7. Minimum Eamed Prrm"s�n; 2596 ur � 251 II
Fsrrms a,nd Endorseene�rts: r �:a.e�Estaze�a r�sers �
PR63�`tJ{R�Ti:�;Ft�.aiEzrateJ,ppra:�ersFsd�ss�aiL:aa�i(ity�Jeclarations.PR�351�,d '; , PF
Prc`�si�aa LiabiS�syCo��,ge F�m.,571 a;tiTtt:y Rdd�ura m tite flectarazians
Add�fions!Endatsmeezts appRcable to titis CertiE�cate onty: �
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PFi`�?�8;�.��13 j Csrtt�r�nt R�1 Egzate.'�Ppra;sai htaz��em?4at Cr.mpany E#ens.on
A�ency Hame and Address: 1tCTERCORi',tl�2�C.
td38-F West klain Sireet
� Epdarata.PA.17522-13d5
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A.3�hOT k'vAta}5?E�i�R YOUR 43 +C Pa!RC�t14u1t3G s.;RCU3, .
sf`y�1,,,,, 4i)�.x�ti,(v� C.ourly:Ge:m�es`Aand I
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voun�rc-�,�oa�e 4in s:ate�w�r��aiic��e i 4ate:Nayr 2.2171� I�
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300 Glenn Road,Camp Hill,PA 17011
�..e.�.inuni�•n�nnnr ,
Borrower:Carla Marshall File No.: 18848117
Pro ert Address:219 Enola St Case No.:3000147616
Clt:Enola State:PA Zi :77025
LendeC Fi�ancial Freedom-Maturi De t ___.______
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Flaod Information
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FtnndhAap Legend Ct�mmu�ity:420359-EAST Pf_NN5C34R0,TOwNNStt?P OF
FCOOd ZOn45 Fropefly is not ir.a FEh�A spe�uial fluod hazard area.
h�1a��Numher.�i7.U+3iCdtiG� �P��,�2041�t1Gr2f:p!�
Axess aa�acdafea DY SCO'Yaarlwoaing {�aRel:6116E �
Nras adfsAe of 1M�100..md 500-yau�1� 2�nR'X
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� AttK�6d py 10Dy0W fl09ding wlHt Wbtily h�datd . I�
NBl?UIP.f Tffl�RA Ilt A �f�<;art t+��r+�.�.cr.r.m�:atK+n[irh'1 n+u w�I nthKrt:9ny.
F1Weodr+6y afrlbs � �presencatlans es xarrsn�-es�o any Rattv cos�cem++tig t�a cuntant accuraty or '�., .
FMQ/PNAY#f4if Y�FI WIOC7FJ 118idfd KAl1:P3ElBfIRFS DF hes"ov,,r«�tor..mc:i dm8 anY warran y Qf mArt9?.ansat�i5:y�r �
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BoRower:Carla Marshall File No.: t8848117
Pro ert Address:219 Enola St Case No.:3oo01a7616
CII Enola Stale:PA Zlp:17025
LendCr:Financial Freedom-Maturi De t
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Colestock Appraisal Services
3000147616
USPAP ADDENDUM FileNo. 15848117
Borrower. Carla Marshall
Propeny Address:219 Enola St
City: Enola County: Cumberland State: PA Zip Code: 17025
Lender: Financial Freedom-Maturi De t
APPRAISALAND REPORT IDENTIFICATION
This reportwas prepared under the following USPAP reporting option:
Q Appraisal Report A written reporl prepared under Standards Rule 2•2(a).
❑ Restricted Appraisal Report A written reporl 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 i�this report is:3-6 manths
The exposure time for this properly is estimated at 3-6 months based on the market data available. This would be the estimated length of
time that the property interest being appraised would have been offered on the market prior to the hypothetical consummation of a sale at
market value on the effective date of the appraisal.
Additional Certifications
�I have peAormed NO services,as an appraiser or in any other capaciry,regarding lhe property lhat is the subject of this report within lhe three-year
period immedialely preceding acceptance of this assignment.
�I HAVE performed services,as an appraiser a in another capaciry,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 Ihe comments below.
None
Additional Comments
None
APPRAISER: SUPERVISORY APPRAISER(only if required):
Signature: �.����� Signature:
Name: Christo her M.Colestock Name:
Date Signed: 10/24I2014 Date Sgned:
State Certification#: RL139151 State Certificalbn#:
a Slate License+Y:
or State License N: State:
or Other(describe): State ri:
State: PA ExpiraGon Date of CerGficaGon or License:
Expiration Oate of CerGficatlon or License: OB/30/2015 Su isory Appraiser inspecGon of Subject Property:
Effective Date of Appraisal:�0/24/2014 Did Nol 0 Exteria-only from sUeel ❑Inleria and Exterla
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