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COMMONWEALTH OF PENNSYLVANIA
DEPARTMENT OF REVENUE
BUREAU OF INDIVIDUAL TAXES
DEPT. 280601
HARRISBURG, PA 17128-0601
REV-lld~ EX(11-96)
RECEIVED FROM:
PENNSYLVANIA
INHERITANCE AND ESTATE TAX
OFFICIAL RECEIPT
I
NO. CD OO~936
SHIELDS CHARLES E III
6 CLOUSER ROAD
MECHANICSBURG, PA 17055
ACN
ASSESSMENT AMO ~T
CONTROL
NUMBER !
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_____n_ fold I
101 $2,74 90
ESTATE INFORMATION: SSN: 170-16-1528
FILE NUMBER: 2105-0600
DECEDENT NAME: BAILEY RALPH S
DA TE OF PAYMENT: 10/26/2005
POSTMARK DATE: 10/25/2005
COUNTY: CUMBERLAND
DATE OF DEATH: 12/29/2001
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TOTAL AMOUNT PAID:
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$2,741190
REMARKS:
CHECK# 1162
SEAL
INITIALS: JA
RECEIVED BY:
GLENDA FARNER STRASBA~iLH
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REGISTER OF WILLS ' :
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REGISTER OF WILLS
REV.1500 EX (6-00)
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COMMONWEALTH OF
PENNSYLVANIA
DEPARTMENT OF REVENUE
DEPT. 280601
HARRISBURG, PA 17128-0601
INHERITANCE TAX RETURN
RESIDENT DECEDENT
DECEDENT'S NAME (LAST, FIR~AND MIDDLE INITIAL)
13A I LEYI f~,fLPH s.
DATE OF DEATH (MM-DD-YEAR) DATE OF BIRTH (MM-DD-YEAR)
I :L - Q. q - 200 I 0" - / 1 - 19 z. z
(IF APPLICABLE) SURVIVING SPOUSE'S NAME (LAST, FIRST, AND MIDDLE INITIAL)
/31}/ LEY" (!/t~L k
[Z] 1. Original Return
o 4. Limited Estate
!ZI 6. Decedent Died Testate (Attach copy of Willi
o 9. Litigation Proceeds Received
REV-1500
OF;:"lCiAL USE Iqi\!lf
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FILE NUMBER
2/ - &S
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COUNTY CODE YEAR
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SOCIAL SECURITY NUMBER
17{) -fro
i~ 52, F'
THIS RETURN MUST BE FILED IN p~PLlCATE WITH THE
REGISTER OF I""ILLS
SOCIAL SECURITY NUMBER
/1(0 - If'/- ~7~S-
o 2. Supplemental Return
o 4a. Future Interest Compromise (date of death afier 12-12-82)
o 7. Decedent Maintained a Living Trust (Attach copy of Trust)
o 10. Spousal Poverty Credit (date of death between 12-31-91 and 1-1-95)
o 3. Remainder Return (date Of1djalh pnor 1012-13-82)
o 5. Federal Estate Tax Returr Required
Q 8. Total Number of Safe De~, sit Boxes
o 11. Election to tax under sep 9113(A) (AlIach Sch 0)
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1. Real Estate (Schedule A)
2. Stocks and Bonds (Schedule B)
3. Closely Held Corporation, Partnership or Sole-Proprietorship
4. Mortgages & Notes Receivable (Schedule D)
5. Cash, Bank Deposits & Miscellaneous Personal Property
(Schedule E)
6. Jointly Owned Property (Schedule F)
o Separate-Billing Requested
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property
(Schedule G or L)
8. Total Gross Assets (total Lines 1-7)
9. Funeral Expenses & Administrative Costs (Schedule H)
10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I)
11. Total Deductions (total Lines 9 & 10)
12. Net Value of Estate (Line 8 minus Line 11)
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been
made (Schedule J)
SEE INSTRUCTIONS ON REVERSE SIDE FOR APPLICABLE RATES
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Cfllfl2LES E.
FIRM NAME (lfApplicablel /lJIA
\ ;ELEPHONE NUMBER 7/1- 7 ~ G - 0 ~o 9
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!YJEeff/J/f//C s 131.{~6-/ ;711 /70 ~S
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(5)
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OFFICIA USE ONLY:'~I
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14. Net Value Subject to Tax (Line 12 minus Line 13)
15. Amount of Line 14 taxable at the spousal tax
rate, or transfers under Sec. 9116 (a)(1.2)
16. Amount of Line 14 taxable at lineal rate
17. Amount of Line 14 taxable at sibling rate
18. Amount of Line 14 taxable at collateral rate
19. Tax Due
20.::]
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.15 (18)
(19)
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Decedent's Complete Address:
STREET ADDRESS Lf So E: LIS /3 tI IJ/fJ ~.
CITY mEC!l/A/!//eS 6tt ~6- I STATE /1,4 I ZIP 17tJSS
Tax Payments and Credits:
1. Tax Due (Page 1 Line 19)
2. Credits/Payments
A. Spousal Poverty Credit
8. Prior Payments
C. Discount
(1)
1-
:2/53i'. 90
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Total Credits ( A + 8 + C ) (2)
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3.
Interest/Penalty if applicable
D. Interest
E. Penalty
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4.
Total Interest/Penalty ( D + E )
If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT.
Check box on Page 1 Line 20 to request a refund
5.
If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE.
(3)
(4)
(5)
(SA)
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A. Enter the interest on the tax due.
8. Enter the total of Line 5 + SA. This is the BALANCE DUE. (58)
Make Check Payable to: REGISTER OF WILLS, AGENT
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PLEASE ANSWER THE FOllOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes
a. retain the use or income of the property transferred;.......................................................................................... D
b. retain the right to designate who shall use the property transferred or its income; ............................................ D
G. retain a reversionary interest; or.......................................................................................................................... D
d. receive the promise for life of either payments, benefits or care? ...................................................................... D
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 death? .............. D
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which
contains a beneficiary designation? ........................................................................................................................ ~
Under penalties of pe~ury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete.
Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge.
SIGNATURE OF PE S
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DATE
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DATE
ADDRESS C!.JI/f/l.LGS. IfF: 5H/L~Ds :zo:
~ c.LtJuS/8!2 ai), I /1!E<!,,(I,f.ItI/CS8U/l6-/ PA /7DS!;"
:,';J3:;\ii.\~.~~~(F....i'i,:.;:.;;;..... ..;,';;i~~i<~J:'\f.~~~~J]! _......_.~~.:;j~~!
For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3%
[72 P.S. 39116 (a) (1.1) (i)].
For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0% [72 P.S. 39116 (a) (1.1) (i1)].
The statute does not exemot a transfer to a surviving spouse from tax, and the statutory reqUirements for disclosure of assets and filing a tax return are still applicable even if
the surviving spouse is the only beneficiary.
For dates of death on or after July 1, 2000:
The tax rate imposed on the net value of transfers from a deceased child twenty-one 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% [72 PS. 39116(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%, except as noted in 72 P.S. 39116(1.2) [72 P.S. 39116(a)(1)].
The tax rate Imposed on the net value of transfers to or for the use of the decedent's siblings is 12% [72 P.S. 39116(a)(1.3)]. A sibling is defined, under Section 9102. as an
.ndivldual who has at least one parent in common with the decedent, whether by blood or adoption.
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. INliER. TII-X ... CA:LCyL,If TitJlII.
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FILE NUMBER .
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All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which prope~ 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 which is joIntly-owned with right of
survivorshil'l must be disclosed on Schedule F. I
ITEM I ! VALUE AT DATE
NUMBER DESCRIPTION : : OF DEATH
1.
REV-1502EX + 11-971
SCHEDULE A
REAL ESTATE
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
B /1-.r t..~ ~ RHt./?fI S_
u/Jdi vt'dld onl-half (Y:L) interest as a. re..nal1t in CcMmDJ'}
w;rft Uc.or1e S.. Da..v;s ,(} a certain pdrce./ of !a..V1d
des ":fYJa.tto/ as Lot f\lo. 2- VI'! 11t1J.i+ cer/-ttil'l PIA/Iff..
Su ~t5IV 1St oN {JUl-1J RJt<. /(l1-lPH S. I3At Ley 4-Ivn (;.eoR6~
:5. '])A-VI-5 prepared by 1).. P. J~ a.lfensp€ITje.r ItssoC ia:tc.S~
&o..Jlol .:TAn. lie} 1~7q , ,-e{!orded ~n ~ O{'.(,,'c.e e>f flu.
i~eeDrder Df DeeJ-$ IYl IU1d for CLunbe.rl4YlJ C~lo(,n~,
re.nna ~n -PI ~n 800k 3 5', iPa.~ S. ~~I'(J a. ~a.rt Dr
--rY-ac..t lVtJ.2 Dr ---MoSt Ce.rta.il1 ptemlS€$ wh.c.h
DOYla.lol N. ~OI<'5.1 E'teeuJvr of ~ Es+aJe t'xt l-IeJ~11
F: BOJ a..r~ner, e.+ ~IJ by i-k,'r deed, d~ m~ ..3,}
1 'f 7 3 J CWL J Y'eCD r d e.o! ,,1 -Ilk R ~rd er:s. of{, ce a..;;IIf!S~ ;ei.,
;,., De~e/ 8~pK C(~,I' v'b!. ,;J~ pa.~ 3blf} a-:=4t11te~ an.d
Con veyed fz> -tf.e ~fv~s~J(d 134"~ ClMd :Va..v,s.
Apfl('IJ,'.s4/ ./;y ~ feve/J j,;, i3arre:tt- /I-~tflrn/sak li1IICa.~
,to
a d t7, t/, Yt:l/K~ IP/ /Sl?/ ,,,1/, "p
- t9nt -hI-If (Y.J) inftrejf 1it~;/1 ::: r 7.5; /lC/1l1 Jt'/)
(.s~e tJarreffs /!t;fJrl//sa/ al/acka' here1P)
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find,' v,.decl otte-A..lf (\/t-J /rderest AS a. t-ru,ttYlt In
Cornmon /J;-Ht &.orse S. 1:h\rIS ,." a ce.rto.i n pa.ra.} of
lM1d ,'(1 LA.n1a.r 'kwt1sh;p, CI;Y\toVl CDIAr\~ J Penna. as ,s
more fu fly ele set/hul I n --Hid Ce.t-ttt;n deed d ~J
mo.r301 1~13 ~7 w],;,J,., I'<e.noeth E. HecJ(.m&4.I1/~t&tJI
~rC<<.I'l1e.e/ aMJ Ct>t1V~ h, 'Ra-ll'h s. 1Sa..,'It:.-'1 C1.Md UeOrqe
s. Dew-IS, lNh,',J, Sa.;r,/ deed IS rec.0rded 'VI ~ oPhGt..
" f2 ~ R e.c..t:>r olu 0 f 1>t:.e.oIs ; n flMd fo r C Ii n f7J 11
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TOTAL (Also enter on line 1, Recapitulation) $ II 6-, t)OO. #0
(If more space is needed, insert additional sheets of the same size)
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: (eft!. Snytltri#fI/'If/S4! IlI!ltt;k/jLI'l~) '\' ~~ ~OO. .0
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S. W. BARRETT REAL ESTATE
& APPRAISAL SERVICES
Fie No. 05-O4~ 6
,
,
APPRAISAL OF
Vacant Land
'.
LOCATED AT:
Valley Road
Enola, PA, 17055
FOR:
Charlie E. Shields, Jr., Esquire
6 Clouser Road
Mechanicsburg, PA 17055
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BORROWER:
Estate of Ralph S. Bailey
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AS OF:
December 29,2001
,
BY:
:
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Cassandra J. Crockett
Certified Residential Appraiser
:
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,
124-126 NORTH HANOVER STREET, CARLISLE, PA 17013 717-243-6646 AND FAX 717-243-8627 ,
II
STEVEN W. BARRETT REAL ESTATE & APPRAISAL SERVICES
& APPRAISAL SERVICES
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File No. 05-~t16
CHARLES E. SHIELDS, III
ATTORNEY-AT-LAW
6 CLOUSER ROAD
Corner ofTrindle and Clouser Roads
MECHANICSBURG, PA 17055
II
GEORGE M. HOUCK
(1912-1991)
TELEPHONE (717) 766-0209
FAX (,717) 795-7473
October 24,2005
Register of Wills
Cumberland County Court House
1 Court Square
Carlisle, P A 17013
Re: Estate of Ralph S. Bailey
No. 21-05-00600
Dear Register of Wills:
Please find enclosed for filing 2 copies of the Inheritance Tax Return for the Ralph S.
Bailey Estate as well as Check No. 1162, in the amount of $2,744.90 for Inheritance Tax due~
Check No. 1161, in the amount of $200.00 for additional probate and Check No. 1160 in the
amount of$15.00 for the filing fee.
Thank you for your kind attention to this matter.
Very truly yours,
-.
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Charles E. Shields, III
Attorney-At-Law
CES/mjj
Enclosures
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124-126 NORTH HANOVER STREET, CARLISLE, PA 17013 717-243-6646 AND FAX 717-243-8627
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LIMITED APPRAISAL RESTRICTED USE FORMAT
LAND APPRAISAL REPORT
File No 05-0416
Property Address Valley Road
City Enola Countv Cumberland
LeQal DesaiptionSee leoal descrintion/tax man
Owner/Occuoant Davls/Bailev Ma Reference 13-0995
.. Sale Price $ N/A Date of Sale N/A Property Rights Appraised
Loan charQeslconcessions to be oaid bv seller $ N/A 00 Fee Simple
R.E. Taxes $ 384.00 TaxVear 00-01 HOA$/Mo. N/A 0 Leashold
Lender/Client Charlie E. Shields. Jr. Esouire 0 Condominium (HUDNA)
6 Clouser Road Mechanicsburo. PA 17055 l PUD Source
LOCATION U Urban 1&J Suburban [ Rural NEIGHBORHOOD ANALYSIS
BUILT UP 0 Over 75% 00 25-75% 0 Under 25% Employment Stability
GROWTH RATE 0 Rapid 00 Stable 0 Slow Convenience to Employment
PROPERTY VALUES 00 Inaeasing 0 Stable 0 Declining Convenience to Shopping
DEMAND/SUPPLY 0 Shortage ~ In Balance 0 Over Supply Convenience to Schools
MARKETING TIME n Under 3 Mos. I X I 3-6 Mos. n Over 6 Mos. Adequacy of Public Transportation
. PRESENT LAND USE % LAND USE CHANGE PREDOMINANT StG..EFAMILYHOUSING Reaeation Facilities
· Single Family ~ Not Likely 0 OCCUPANCY PRICE AGE Adequacy of Facilities
~ 2-4 Family ~ Likely 0 Owner 00 $(000) (yrs) Property Compatibility
.. Multi-Family ~ In process 00 Tenant 0 80 Low New Protection from Detrimental Condo
Commercial ~ To: Residentiall Vacant (0-5%) 00 200+ High 100 Police & Fire Protection
Industrial 00/. Commercial Vacant (over 5%) 0 Predominant General Appearance of Properties
Vacant 250/. 100 . 30 Aooealto Market i
Note: Race or the racial composition of the neighborhood are not considered reliable appraisal factors. COMMENTSSubiect site is located an
expanding area of sinale familv homes. both detached and attached. with a mix of residential and commercial usa! ~ adjacent
to the 1-81 corridor. Shonnlna and other amenities are within a short drivina distance. Newlv develooinc Business ark across
the street. SMSA 42-3240
Census Tract 0113.00
State PA Zip Code 17055
LENDER DISCRETIONAR~ USE
Sale Price $ i
Date !
Mortgage Amount $
Mortgage Type
Discount Points and Other Concessions
I
Paid by Seller $ ,
!
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Avg. Fair Poor
000
000
'0000
0000
0000
0000
!0000
.0000
0000
0000
~RR
Dimensions See lecal descriotion/tax man Topography Slooino to le~l I
Site Area 1.66 Acres MIL Corner Lot No Size Tvnical for ar~ a
Zoning Classification C-P-L Commercial Park Lmtd Zoning Compliance Yes Shape Irreaular
HIGHEST & BEST USE: Present Use Yes Other Use None Drainage Aooears adeQ ate
UTILITIES Public Other SITE IMPROVEMENTS Type Public Private View ResidentiallC mmercial
Electricity 0 @ street Street Asphalt 00 0 Landscaping Wooded
Gas 0 Curb/Gutter None 0 0 Driveway N/A
Water 0 TB on site Sidewalk None 0 0 - Apparent Easements None Aooare~
Sanitary Sewer 0 TB on site Street Lights None Q 0 FEMA Flood Hazard Ves' ~ X
Storm Sewer rxl Allev To side I I rxi FEMA'Mao/Zone 420360AlZon C
Comments (Apparent adverse easements, enaoachments, special assessments, slide areas, etc.): There are no aooarent adverse easeme ts.
encroachments or other adverse conditions. Site adjacent to Tessie lane which is a orivate R-O-W. i
,
The undersigned ha, recited three recent sale, of properties most similiar and proximate to subject and has considered these in the market analysis. The descripti~ includes a dollar
adjustment, reflecting market reaction to those items of significant variation betwe.n the subject and comparable properti.s. If a significant item in the comparable Ip operty is superior
to. or more favorable than, the subject properly, a minus C-) adjustment is made, thus reducing the indicated valu. of subject; if a significant item in the compar~ Ie is inferior to,
or less favorable than, the subject properly, a plus (+) adjustment is made. thus increasing the indicated value of the subject. : I
ITEM SUBJECT COMPARABLE NO.1 COMPARABLE NO.2 COMPARABL NO.3
Valley Road Valley Road Woodland Drive Good Hope Road
Address Enola Mechanicsbura Mechanicsbura Enola i I
Proximity to Subiect .5 Mile 1 Mile 2 Miles I
Sales Price $ N/A . ....... $ 312.300Ii.i. x) .;i)'i~ $ 175.000 i .... $ 58.000
Price/ $ N/A ill $ 100096/Acrillir )i'.,,)X $ 168108/Acrilli. 'X' $ 42 336/Acre ill
. Data Source Insoection AooDatalCourthseRecords AppDatalCourthseRecords AonDatalCourths Records
. VALUE ADJUSTMENTS DESCRlPT~ DESCRIPTION I +(-)$ Adjustment DESCRIPTION I +(-)$ Adiustment DESCRIPTION I +(-)$ Adjustment
· Sales or Financing 'WE.i None, Cash ; None, Cash , None, Cash 'i:
, ,
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. Concessions I I ','
. Date of SalelTime N/A 1/99 , 10,000 12/00 , 12/97 I.: 20.000
. , ,
. Location Averaae Averaae/Good : -31 230 Averaae/Good ~ -17.500 Averaae/Good I' -5.800
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SiteMew 1.66 Acre+l- 3.12 Acres+/- I -146,000 1.04 Acres+l- , 62.000 1.37 Acres+l. I: 29 000
, ,
Toooarachv Rollina Rollina , Basicallv Level , Basicallv level ':1
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. Access Paved Street Paved Street : Paved Street , Paved Street
Zonina Comm.Park Office Park , Office Park I Office Park ,
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Comments of Sales Comparison: All comoarables are similar in utility to the subiect orooertv. are verified closed sales and
currentlv available. Ranae of value is. $101.000 to $273 000. Fourth comoarable added as additional data. Land adjus
5100 OOO/acre.Minimallocation adiustment taken ((j) 10% for sliahtlv sunerior location of comoarables sales. I
Comments and Conditions of Appraisal:Pronertv has been anoraised in "as is" condition. No imnrovements were considered in value
reoorted. Aooraiser assumes all necessarv oermits for future buildina on site are available. ' I
Final Reconciliation: Market Analvsls consistentlv suooorts mv estimated market value. Cost and GRM analvsis were foun d
· inaoorooriate for this analvsis. Greatest weiaht is anolied to the Market Data Analvsis. Sunnortina file information Su stantiates
. these estimates.
I (WE) ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE SUBJECT PROPERTY AS oRlecember 29, 2001 to be $ 150 000
. I (We) certify: that to the best of my (our) knowledge and belief, the facts and data used herein are true and correct; that I (we) personally inspected the subject proper y
. and inspected a.II,)mparable sales c.,~ted~in this rep/;rd th~ I. (we) have no undiSclo,sed:~st~pr:sentorrosTcti~herein. ._
Appraiser(s) /;?..1 i ".lit' /-/u2- -( :~("' )e ~eviewAPpraiser---- -,. ....-(.j /~7-1 [X) Did (J Did Not
Cassandra J. Crocket (if applicable) Steven W. Barrett GA-000298-l Insp. t Property
43 200
101 200
e the best
d at
P'''I''ielary Land Form 04188 Certified Residential Appraiser
PrtWced uairG ACI so1tw.., 8l)l234.8727 W'AW.aciwetl.com
Certified General Appraiser
Steven W. Barrett R.E. Appr. Svc.
LIMITED APPRAISAL RESTRICTED USE FORMAT
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LAND APPRAISAL REPORT Fie No. 01-0925G: I
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Th.. undersigne'd has recited three recent sales of proper lies mosl similiar and proximale 10 subject and has considered Ihese in the markel analysis. The deSC~iron includes a doliar
adJustmenl. reflecting market reaction 10 Ihose items of SlgOlficant varialion belween the subjecl and comparable properties. If a significant item in the comparab e property is superior
to. or more favorable than, the subject property, a minus (-) adjustment is made, thus reducing the indicated value of subject; If a significant item in the camp rable is inferior to,
Cl It:~::; r;;;lVu: ;;:!':It:: 111<:111, I!J~ ::;;ul:jt:d p:vlJtid}'. ~ plu::,: (+j ~:Jj:J~i:::t:i:1 i::;; ll:;::\.h:, lhu::; illl;It:;;S::;;illlj the 1I11.iit;at~d \i<iiu~ UI Hl~ ~\jbjt:l;\
ITEM SUBJECT COMPARABLE NO.4 COMPARABLE NO.5 COMPARA BlE NO.6
Valley Road 2020 Blust Lane
Address Enola Mechanicsbura
Proxirrilv to Subiect 0.57 MI SW
. Sales Price $ N/A $ 400,000 $ $
. Pricel $ N1A ltl $ 152,091/Acrltl $ ltl $ lli
Data Source Inspection AppDatalCourthseRecords
. I I
VALUE AruUSTMENTS DESCRiPTiON DESCRIPTiON ,,-)$ A<ljus\mer~ DESCRIPTiON +(-)$ Adjustm..-~ DESCRiPTION I ".)$ Adiuslm..,l
. Sales or Financing None, Cash I r , I
. I I I
. I I . I
Concessions I I I
. N/A 11/99 I +10000 I I
Dale of Salemme I I I
locatian Averaae Averaae/Good I -40 000 I I
S~eNiew 1.66 Acre+/- 2.63 Acres+/- I -97 000 I I
. I I I
ToooaraDhv Rollina Rollina I I ,
I I I
Access Paved Street Paved Street : I , I
Zonina Comm.Park Office Park I I I
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Net Adi. llotal\ I 1 + [xl- '$ 127 000 fxl+ [ 1- 1$ 0 lJ+ f 1- :$
Indicated Value Gross: 36.~1 Gross: 1$ Gross: I~
of Sublect Net: -31.8 $ 273,000 Net: Net:
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Propielay Lam FO'm 04/00 Prodlad using AO sofhlefe, 800.234.8727 www.aciweb.com
'Borrower: Estate of Ralph S. Bailey
Property Address: Valley Road
City; Enola .
Lender: Charlie E. Shields Jr. Es uire
File No.: 05-0416
Case No.:
State: PA
Zip: 17055
~
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Case ~o,:
---------=
state', pA
le E. Sh\e\dS Jr. Es U\re
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Borrower: Client: Carol Bailey
Property Address: Valley Road
City: Enola
Lender: Mrs.Carol Baile
File No.: 01-0925C
Case No.:
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Zip: 170551 I
State: PA
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MAP (C) 1 9jl-'F- -!.
Prepared by: Steven W Barrett RE Appr Svc. (717)243-6646
R/A
1/99
12/00
12/97
11/99
Price
R/A
312300
175000
58000
400000
RM BR Bath SqFt Proximity
0.00 Ml: S
0.40 MI SW
o .69 Ml: wsw
0.93 Ml: SW
0.57 Ml: SW
lID
S
1
2
3
4
Address
ValleyMECHAHICSBURG
ValleyHECHAHICSBURG
VoodlaVdWOODLAHD DR
Good GOOD HOPE RD
2020 BLUST LN
Date
124-126 NORTH HANOVER STREET, CARLISLE, PA 17013 717-243-6646 AND FAX 717-243-8627 .'
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File No. 051Q416
DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive' ,nd open market
under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming Ithe price is not
affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the pa~~ing of title from
seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informe~ or well advised,
and each acting in what he considers his own best interest; (3) a reasonable time is allowed for exposure in the open maf~et; (4) payment
is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and (5) the price repr~~ents the normal
consideration for the property sold unaffected by special or creative financing or sales concessions. granted by anyone aS~.ociated with the
sale. ; i
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. Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments ~l' e 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 ide~ ifiable since the
seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the conj arable property
by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or ~r\ansaction. Any
adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the doll~f amount of any
adjustment should approximate the markers reaction to the financing or concessions based on the Appraiser's judgment. ! :
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STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
The appraiser's certification that appears in the appraisal repo~tl is subject to the
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1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or th~ title to it. The
appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The proPftty is appraised
on the basis of it being under responsible ownership. .. i
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CONTINGENT AND LIMITING CONDITIONS:
following conditions:
2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements ~+ the sketch is
included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size. ! i
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3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agen9~ (or other data
sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Ar~. Because the
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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~ ~nless specific
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arrangements to do so have been made beforehand. , '
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5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improv~rlnents at their
contributory value. These separate valuations of the land and improvements must not be used in conjunction with any oth~J1 appraisal and
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are invalid if they are so used. : '.
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6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, the presen~e of hazardous
wastes, toxic substances, etc. ) observed during the inspection of the subject property or that he or she became aware of d~r ng the normal
research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowled~ of any hidden
or unapparent conditions of the property or adverse environmental conditions (including the presence of hazardou~ wastes, toxic
substances, etc. ) that would make the property more or less valuable, and has assumed that there are no such condition$ and makes no
guarantees or warranties, express or implied, regarding the condition of the property. The appraiser will not be responsi~ e for any such
conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exis~l Because the
appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmerit~1 assessment
of the property. . .
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7. The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from source~ that he or she
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considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the ae~uracy of such
items that were furnished by other parties. 1
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8. The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards !~f Professional
Appraisal Practice. . :
9. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfact~~y completion,
repairs, or alterations on the assumption that completion of the improvements will be performed in a workmanlike manner. .. i,
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10. The appraiser must provide his or her prior written consent before the lender/client specified in the appraisal report canldistribute the
appraisal report (including conclusions about the property value, the appraiser's identity and professional designations, an~!references to
any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the! orrower; the
mortgagee or its successors and assigns; the mortgage insurer; consultants; professional appraisal organizations; any st~ e or federally
approved financial institution; or any department, agency, or instrumentality of the United States or any state or the Distri~ of Columbia;
except that the lender/client may distribute the property description section of the report only to data collection or repo~t ng service(s)
without having to obtain the appraiser's prior written consent. The appraiser's written consent and approval must also be ob ained before
the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media.
Vacant Land
Page 1 of2
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File No. 05-O~16
APPRAISERS CERTIFICATION: The Appraiser certifies and agrees that:
1. I have researched the subject market area and have selected a minimum of three recent sales of properties most simIlar and proximate
to the subject property for consideration in the sales comparison analysis and have made a dollar adjustment when appropriate to reflect the
market reaction to those items of significant variation. If a significant item in a comparable property is superior to , or mqre favorable than,
the subject property, I have made a negative adjustment to reduce the adjusted sales price of the comparable and, if a ~ignificant item in a
comparable property is inferior to, or less favorable than the subject property, I have made a positive adjustment to inct~ase the adjusted
sales price of the comparable.::
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2. I have taken into consideration the factors that have an impact on value in my development of the estimate of rrj~rket value in the
appraisal report. I have not knowingly withheld any significant information from the appraisal report and I believe,l ~o the best of my
knowledge, that all statements and information in the appraisal report are true and correct. I I
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3. I stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions) ~hiCh are subject
only to the contingent and Limiting Conditions specified in this form. I :
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4. I have no present or prospective interest in the property that is the subject to this report, and I have no present or prijPective personal
interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my . alysis and/or the
estimate of market value in the appraisal report on the race, color, religion, sex, handicap, familial status, or national rigin of either the
prospective owners or occupants of the subject property or of the present owners or occupants of the properties in ~~e vicinity of the
subject property. . :
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5. I have no present or contemplated future interest in the subject property, and neither my current or future em~loyment nor my
compensation for performing this appraisal is contingent on the appraised value ofthe property. ' I
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6. I was not required to report a predetermined value or direction in value that favors the cause of the client or ~E related party,
the amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event in odi r to receive my
compensation and/or employment for performing the appraisal. I did not base the appraisal report on a requested mi~i um valuation, a
specific valuation, or the need to approve a specific mortgage loan. II
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7. I performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that ~'~' re adopted and
promulgated by the Appraisal Standards Board of The Appraisal Foundation and th.at were in place as of the effective dat:. of this appraisal,
with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estima of a reasonable
time for exposure in the open market is a condition in the definition of market v~lue and the estimate I developed is . nsistent with the
marketing time noted in the neighborhood section of this report, unless I have otherwise stated in the reconciliation section. I. I
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8 _ I have personally inspected the subject property and the exterior of all properties listed a~:comparables
in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject imp~ vements, on the
subject site, or on any site within the immediate vicinity of the subject property of which I am aware and have made adj~ tments for these
adverse conditions in my analysis of the property value to the extent that I had market evidence to support them. I hav~ lalso commented
about the effect of the adverse conditions on the marketability of the subject property. . I
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9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal repprt. If I relied on
significant professional assistance from any individual or individuals in the performance of the appraisal or the preparati91 of the appraisal
report, I have named such individual(s) and disclosed the specific tasks performed by them in the reconciliation sectio~\of this appraisal
report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a cha~~e to any item in
the report; therefore, if an unauthorized change is made to the appraisal report, I will take no responsibility for it. . :
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SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, ~~ or she certifies
and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal rep9. ,agree with the
statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 aboy ,and am taking
full responsibility for the appraisal and the appraisal report. I,
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ADDRESS OF PROPERTY APPRAISED: Valley Road, Enola, PA, 17055
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SUPERVISORY APPRAISER (only If requlited)
~~fL,-L ~
Signature: ~ '"-:::: ~
Name: Steven W. Barrett, SRPA, SRA \ :
Date Signed: 7/13/2005 II
State Certification #: GA-000298-L '
or State License #:
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State: PA ! I
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Expiration Date of Certification or License: 6/30/2007 II
00 Did 00 Did Not Inspect Property I
Certified General Appraiser \
Page20f2 \
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APPRAISER:
Signature: ~~dd ~/J Q ?~~aJ)e;l
Name: Cassandra J. Crockett 7
Date Signed: 7/13/2005
State Certification #: RL-001348-L
or State License #:
State: PA
Expiration Date of Certification or License: 6/30/2007
Certified Residential Appraiser
Vacant land
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BaileyR.
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SN't12"ER ~PR^-!Si\l, SERVlCf,S
1'1'151
LOC1\'flO~
: Lamar 'Tovm;;hip
Mill "Hall
pp.
CLl"EN'f
: Charles f,. Sbields, p.ttorney at LaW
6 Clouser Road Mechanicsburg pP.11055
.t\S 0 V 1).t\ 'f"E
: \21291200\ DOD
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1\ Y Y R 1\ 1 S "E R : Mar)' C. Snyder
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SN'lDER p.ppfWSP.L SER\I\CES
II
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Bailey E$(ate
Bo,rrower Bllilev. Ralnh S. Estate File No. BailevR '! \
Property Address Lamar Township i!
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~_MiIlHall County Clinton State PA Zio Code 17751 !,
--......--.--.------ . !
Lender Charles E. Shields Attorney at Law
,
---_..~------_...__._---_..+--".
This Appraisal confonns to one of the following definitions:
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[oK] Complete Appraisal i
(The act or process of estimating value, or an estimate of value, perfonned without invoking the Departure Rule.)
D Limited Appraisal
(The act or process of estimating value, or an estimation of value, performed under and resulting from invoking the Departure Rul )
----- . ~--~--."-----_._~---._~~~.-
~--_._~-'_..
This Report is one of the following types:
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[] Self Contained
(A written report prepared under Standards Rule 2-2(a) of a complete or limited appraisal performed under STANDARD 1.)
[K:J Summary
(A written report prepared under Standards Rule 2-2(b) of a complete or limited appraisal performed under STANDARD 1.) !
[J Restricted
(A written report prepared under Standards Rule 2-2(c) of a complete or limited appraisal performed under STANDARD 1 ,
for client use only.) \
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Comments on Standards Rule 2-3 I!
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I certify that, to the best of my knowledge and belief: !
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* The statements of fact contained in this report are true and correct. '!
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* The '"ported aoalyses, op;ni,," and =tus;oo$ ~ ,mited '"~ by 1he "'''''''"'' -mptions and '- ",",,"'os, "'" "'e my r"
impartial and professional analyses, opinions and conclusions. :
* I ha~ "' p'eoent " P'_~ in_ in 1he property tItat ~ 1he s""joct of Ih" """,<1; and no pecsonal inte",,, """ ,aspect to t ~ pa-
involved. !
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* I have no bias with respect to the property that is the subject of this report or the parties involved with this assignment.
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* My engagement in this assignment was not contingent upon developing or reporting predetermined results. I
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* My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or I
I rection
in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurence a
subsequent event directly related to tj1e intended use of !his appraisal.
. My analyses, opinions and conclusions were developed and this report has been prepared, in conformity with the Uniform Standar ~ of
Professional Appraisal Practice.
* I [i] have o have not made a personal inspection of the property that is the subject of this report. II
-.------.---.- ----_._----~_.
r..-~___~_~~___~_____.._
Comments on Appraisal and Report Identification !
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Note any departures from Standards Rules 1-2,1-3, 1-4, plus any US PAP-related issues requiring disclosure: I
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APPRAISER: SUPERVISORY APPRAISER (only if required): \
APPRAISAL AND REPORT IDENTIFICATION
Signature: AI ;~ Signature:
Name: Mary C. Snyder , Name: !
Date Signed: 06/22/2005 Date Signed:
State Certification #: CRA#886 State Certification #:
or State License #: RL-000886-L or State License #:
State: PA State: I
Expiration Date of Certification or License: 06/30/2005 Expiration Date of Certification or License: !
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o Did o Did Not Inspect Property !
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SNYDER APPRAISAL SERVICES
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USPAPCOMPL~NCEADDENDUM
File No. Baile)\R
B<,mower B~iley, Ralph S. Estate
Property Address Lamar Township
City Mill Hall County Clinton
Lender/Client Charles E. Shields Attomev at Law
Order #
State PA Zip Code 17751
Client Reference # Bailev Estate
OI1~V those items checked X below apply to this rep011.
,
[K] The purpose of the appraisal is to prm.ide an opinion of market yalue of tbe sub.iect property is defined in tbis report. on behalf of the app+,sal
<.:ompanY tacilitating the assignment tix the reterenced clieut as the intended user of the rept)I1. The l'IlIy fuuction of the appraisal is tl) as:':!>t the
client llI~ntioned in Ihis fept)J1 in eyaluating the subject property ti)r lending purposes. The use of this appJ'aisal by anyone other than the .~ted
intended user. llf ti.r any other use than the stated intended use. is prohibited. '
D The purpose of the appraisal is to pflwide an opinion of market value (If the snbject property. as defined in this report. ClJI behalf of the ap '~isal
com pan" t:lcilitating the assignment Il)r the referenced client as the intended user of this rept)rt. The only function of the appraisal is tl) as ikt the
client m~ntioned in this report in evaluating tbe subject property for Real Estate Owned (REO) purpClses. The use of this appraisal by any ile
other than the stated intended user. OJ" ti)r any other use than the stated intended use, is prohibited. I .
OThe purpose of/his appraisal is to . on behalf of the appraisal company fucilitating the aSSig1l11Jnt ti)r
the reterenced client as tbe inten.ded user of/his repol1. The only hmction ofthe appraisal i:~ to assist tbe client mentioned in this repClrt in I
evaluallng the subject property tor . The use ot thiS appralsal by anyone other than the stated Ijtended
user. or ti)r anv other use than the stated intended Use. is prohibited. '
~lWDngf~.,.
.'f'fN9f W~At4QM1~.~l' !
[K] This is a COlllplete Appraisal written in a SUlllmary
DThis is a Limited Appraisal \\Tilten in a, Report tl)nllat and the USPAP Departure Rule has been enwked as disc ~sed in
the be"" Of addenda l)f the rept)ft. The dient has agreed that a Limited Appraisal is sufticient f(lr its purpose.
[K]The appraisal is based l'n the intl)rmation gathered by the appraiser tiom public records. other identified sources. inspectil)n of the subject
property and neighbl,rhood. and selectil)n of comparable saks. listings aud or rentals withiu the sUlliect market area. The original source l) 'r1e
comparables is shown in the Data Source section of the market grid ~llong with the S(lurce of confirmation. if ayailable. The original source i~
presented first. Tile sources and data are considered reliable. When conflicting informtltion was proyided. the source deemed most reliabl has
been used. Data belieyed to be nnreliabk \\'as uot included in the repol1nor used as a basis ti)r the yulue conclusion. The extent of analysi'\
applied to this assignment may be further imparted within the reptlrt. the Appraiser's Certification bel,)w and or any other Statement of Lin . ~ing
Conditions and Appraiser's Certification such as Illay be utilized within the Freddie Mac 1i)rm 439 or Fannie Mae torm lO04b (dated 6 93). ,\'hen
applicable
UUA reasonable marketing time ti)r the subject property is
[K] A reasl>llable exposure time tilr the sUlliect property is
180 dans) utilizing market conditions pertinent to the appraisal assignment.
~fi nMJ; ANP ~YM T!M'ff9'r{~JiIJM~lraQPt:ftTY
180 day\s).
^.~Ml'EJmfJff~mH
I <.:el1if:. that. to the best of my kuowledge and belief:
The statements of titct contained in this report are true and correct.
The rept,rted analyses. opinions and condusil)nS are limited only by the reported assumptions and limiting conditions' and are my persOI ~.
impaliial and unbiased protessional analyses. opinil)ns and conclusions.
I ha"e UlI present or prospecti\'e interest in the property tbat is tbe subject of this report. and no personal interest with respect to the parti ~
inwh'ed. unless otherwise stated within the report.
I ha\'e nl) bias with respect to the property that is the subject l)fthis report or to the parties invoh'ed with this assignment.
My engagement in this assignment was not <.:Ontingent upCln developing or reporting predetermined results.
My compensation tilT completing this assignment is not contingent upon the deYell)pment or rept)rting of a predeteonined yalue or directi II in
yalue that fuyors the cause of the client the alllount of the \'alue opinion. the attainment of a stipulated result or the occureuce of a subse 1\el1t
event directly related to the intended use of this appraisal.
My analyses. oplllions and conclusions Were de\'e1l>ped. and tIus report has been prepared. in con1onllity \"ith the Ullifo1111 Standards of
Protessional Appraisal Practice.
I haYe [KJ or haye 11010 made a personal inspection of the property that is the subject of this rept)rt. (If more than one person signs . ~ rept)rt.
this cel1iticalion musl clearly specif:.' which indhlduals did and which indiyiduals did nol make a personal inspectioll of tile appraisal pro'
No oue pwyided significant professional assistance to the person signing this repl)rt. (If there are exceptions. the name of each indi\'idual
proyiJing signiticant profussioanl assistance must be stated. )
XOTE: In (lie case (if WlY COI/!lict u"ifh " client provided certification (i.e., Emmie Jiae or Freddie Jiac), thi,y 1'I."l'ised cel1ijicafion .\'lIa ,(ake
precedence.
~~~l ""_,,,,f.Y"J\YlI9IY.!fftWUJrIJJi"\rU~._;.,,.. .
I
,
APPRAISER:
SUPERVISORY APPRAISER (only if required):
Signature: )11~ t! ~/r1~
Name: Mary C. Snyder
Date the Report was Sigued: 06 22 2005
State Certification "': CRA"886
01' State License "': RL-000886-L
State: PA
Expiration Date ofCertiticatioll or License: 06302005
I
: I
Signature: I, :
Name: I'
! I
Date the Repol1 was Signed: I I
-to
State Certilication 'i': I
or State License ;=: I
,
Slate: : \
~iration Date of Certification or License: i !
U Did ~spect sul~j.ect property 0 Inspected compar~~les
D Intenor & E:denor D Intenor & E:<..1erior II
D Exterior only D E:<..1erior only i
USPAP Compliance Addendwn - 4/99
SNYDER APPRAISAL SERVICES
IJl E
LAND APPRAISAL REPORT
FIN
n
BaileyR '
aI C) slale 1 e o. .1
BO[f(lWl:f Bailey. Ralph S. Estate Cen~us Tra<t 42-03-9708 t.L1p Relerell<e 3 I
!
Pr,'p"rt> .:..ddr""" Lamar T,)\\nsrnp i
Clt> Mill Hall Cl)Unty Clinton State PA Zip C\lJe 17751
I
Lc:g.11 [kSl,;f1PU(Ij] Parcel Number: 3-1-73A 73
Sale Pllee $ NA Date c,f Sale NA L(\M Term NA yrs p,,'perty Right. Appraised IxJFee o Leasehold UtJe MUIl1l11S PI'D
.""tl.la1 Real Estate Taxes $ .B4.70 ,yr) Lmll charges 1<' be: paId by seller $NA dther sales L:l'nCC:SSh.'l1.s NA
LenJe-r Client Charles E. Shields. Att"f\ley at Law .\dill""s 6 Clouser Road Mechanicsburl! PA 17055 I
, I
I h;cu )iUlt Land ..>.no"alse' Mary Snyder. CRAGM lnstru..:.ll\.'ns h\ ..),j1I"\mlSer Comnlete Land Anmaisal !
LIJCatjlln f--- Prbilll - Suburbilll X Rural l~ 'ff1 ~ ~
BmltP" ~ (I\.CI 75'-'... - :5~ 0> t\.... 75~ ti X lTnJd ~5~. Empl,'yment Stabil,ty ,X -r- f--- ~
drll\\th Rate DFIIU,De\' RapId .K Steady Sh.)\\' C\)I1\'eruence h) Empk'lyment ~ I
- - ~ ~
llwpc:rt) \ -aluc.s - In<reasllll? .K Stable - Dedmmg C\'Ul\'eJuen,,;:e b) Shoppmg '-- f-- ~
Demand Supply - Sh,,,t.1ge .K In Balonce - C'v'er Supply Con'-eruence to Schools f-- f-- ~
lIJ.ukdJJlg TUlle _ Fnder 311,,,, X -I-6l'd,'s _ (,'er 6 t.Jos ~-\dequa.:y to Pub he Trru15p0rtath)n f-- - -
PIl:Sent 15 ~ ~ J F,ulUly 0 "... ~-4 F.uUlly ~,.,.-\pts 0 u.C\mdo 15 ~'lJ C\.)mmt'CciaJ RecreatIOnal Focwlles .-- - -
-
LUld t 1S': I) , " Industnal oj" "<l.l.:iUll " 71/ Interstate .\dequac'y ,)1' FlJJrtles X. ~ - -
- WN"I Likely o Likdy LJ T.lkmg Place,' I
Chmlg< m Present Land Use Propert>. C\'JIlpal1blhty X. - -
,"")From 11 a To na Protel,,'1lOJ1 from Detnmental COnditi.)11S X. - -
PredoJUUliUlt IJ..:..:upan..:y [X](.w~ 0-5 u9' Yacant Poh<e and Fue Protecl1on X. ~I - -
SU1g1e Fanlll)' Pu<< Range $ 75.000 1,.$ 250.000 Pred,'mmHllt Yalu< $ 1411. OO(~ General ..l,ppeamllce of Properl1es X - -
Smgle F.uUlly Age ~yrstl' 100+- )TS Pred,)nllllant ..>,ge 45 yes .~"""ll<' t. fo..l-el X I
t_~(lmments UlduJulg th(~:s!: t(l~t0rs, favorable l.')r unfavorable:. aff~.;:t1I18 nlarkda~lhty \'c: g p\lbhc parks. scllOl..l5. VieW. no!S( t The subiect is located in Lamac T ownsh~r. ofl seryice
road. Reference plot maps for details. road and ooundaties. II
._----~--~--- i i
Ii
!Juuo;:nslollS II .179+- Acres = 11.179 Acres ~ UcomerHt
Ztmmg CJilsslf!t.:al1l.\Jl Residential Present Impf<wemellts X lA. Dt-' NQt Confl...rm to Zt..Illl1ii. .i~Jath''''i1S
HIghest [uld Best F.e UUPresent l'se \ '- >ther ,s,",cd,' , I!
PubJr< (.ther IDe,<nbel I)FF SITE ThIPRC'\ 'Et.JENTS Tt..l't.'l Leyel Slopjnl! ; I
~"~~,~",. o Pubhc DPn\'ate Abo.we Ayera!!.e ! !
Elec Street ..>,Jdress SIlt i I
- ~~ Surface Pal1ial Grayel sMp" Irregular I
: i
Mamlel1lll1<e UPubl1c UPr,,-ale "iew Good ! I
\\ ater II
San s('\\('( Ktorm Sewer wR~'urb Gutter Dram"!!,, Appears adequate II
& Tel SIdewall' Street Llcl1ts L, lh< p"'p"rty j,'cated In a HI.'D lJenlttied Special Fk".,J Hazard .-\rea" IlJN,' UYes
C('ll\m~nl'i. (hwt....rablt (.r WU;.l\\)[,.\blc uu::ludmg any app'.utnt .ldy([S( t:'aSement~. eucft.Y.lchments or other adyerse condltwns ~ The subiect is ,-ac:lnt raw land. the maiority i' wooded. No
encroachments llr conditions are anticinated and none were noted at Ihe time of the site insoeclion. T\'oical utilit\. easements are anticinated N timber yalue
I!i\'en or determined. a Qualified timber specialist would be needed to determine. ,
i'
i!
TIle underSigned has rel.ateJ three rC\:cnt sales of rn.")pertJes ml."\8t sIDular and pI\.....xuu.lte h.. the subJ':-ct and has to be considered thcse m the market analYSiS_ The des.;npuon Uldudes a ...,Har
aJJustmc:nt [d}(~bng mark..:-t reactl\.>n lo those items of Significant Y'iUlatlon bc-tween Ute ~'UbJt'Ct and comparable: propertIes U a slg.lllfi'i.U1t Item in the comparable property is
~,'Upt:nl\r tl!, or 11lt)(C fan)Iable th..m SUb,lC'd prl~pt:rty, a mutUS t -, ad.lusl.n1a1t is lUad~, thus reJuc:mg thr mdtcated \-alue t..f tht SU'-""J~ct_ 1f a s1gniftcant item U1 the cI..'lmparabk 18
mll:rll\[ tll llC ks.:; fah1cablc them the suh .:ct llCl)ns:ct\-o a' "Ius 1+' ad LLitmo;:nt IS 111aJ~_ thus lll~reaSUh" ths: illt.itcnteJ '\.\Jue (If tho;: sUP ed
ITEM Suh,ect P"'I)<"rt\. C11t.JP..>,R..>,BLE Nil I CI)UPAR..>,BLE Nt. ~ 1'(.t.IPAR..>,B N.) ,
_.>,Jilless Lamar Township PC~3-1-73A73 Lamar Twp.PC;:o3-1-51-CIA Porter T\\p. 2-1-26-3 Mifilin Twp 12-2-1 )
Mill Hall Mill Hall Mill Hall Miffiintown I'
P[(lX1lluho tl-j Sur-led .5mile 4miles 35miles
Si.k~ Pn<:c $ NA 1$ 61.900 1$ 113.500 350.000
Pn<e $ S,. Ft $ Price Per Acre 1$ 5,000 1$ HUlS ~I 25.925
I}Jta Stlur~e ~t.Hse. InsDeded CtHse Transters CtHse. Transfers CtHse. Tratlstl:rs i!
Date 01 Sale and VESI.:RIPTIUN DESI:RIP1l<:'N + 1-1 .\dlUslment DES~~RIPTION + '-I ..>,J ustUlent DES~'RIPTI<)N + H .\d uslment
I TIme Ad uslmelll NA ()() 89 0903 100
LOC<ltt(\Jl Rural Rural Rural Rural
Site V lew 11.179 Acres Good 12.38AcresGood II.Acres Good B.55Acres Gtxxl -27.000
Utilities rrvoical Tvoical Water -5.0IH) Water Sewer -15.000
Land Wooded Clear Wooded Cleared Wetlands -5.000 Cleared -10.000
T op\')llranhy eye!. Slones Le,-el.Sloninl! Slone.Level LeveLSloDe
Access 10,x! GOlxl 0 Good G,,<x1
Silks or FUlan'Ulg NA NA NA NA 1'1
(:\mt.:e:'lSldrLS 1/ !
Net .-,d, I Tuta.iJ __ r- -lpIIIS IUUlIIS $ (I r lPIIIS r X IUmus $ -10.000 I IPlus I X It.linus -52.000
Ind""led \-,,1I1e
llf Sub cd 61.900 $ 103.500 298.000
(_~I..)nuuc:nt.s lm J..Lukd Dilt.l The maJ-l:et data represents averajole 1I1ll1i:et data. . C olllparisoll 'T I was IDven the lU'eatest consideration. The orice per a Ie sUDoorted
vallie is estimated to be $13.500 per acre. I
I
--_..~~---_._--_..._-
Cl.nmlt:nts and C(lndttwlls tJf .-\pprrnsaJ This appraisal is based on an "as-is" c(.ndition. ,
i
---.------. -------~--~_._--- !
,
~~--~. I
,
- ,
I
Fuwl Rec\.)nClh;\til.))1 Market data sets the limit of yalue in this case. i
!
----_._------~-----_._~-,---~--
--.---...---- ....-.-.--.- !
I ESTIH.>.TE THE },)1J1:9-'(}E(! D~;~~'TPR\)PERTl .'IS C>F 12292001 DOD to he$ 80000 I
I
. -wpra1S((I S! Man' C. Snyder ReVIew .~t\IalStr (If H""hcable I
UDld ODld N,'\ PhYS\<HUy Impe<t *r 'pert>.
Date Rep,'rt S,,,ned 06 22 2005 Date R"""rt SI<rned
StHt~ ('crtLflcat1011 ~ CRA"886 State P A State Ccrtdkahon :: State
or Stal( Ll~C11$t: = RL-000886-L StatePA I...I State LJC~l~e :::: . A:Msed Bj~"-
Fonn FW-68 12/82
SNYDER APPRAISAL SERVICES
rl
TEXT ADDENDUM
I
File No. ~' aileyR
Bdrrower: Bailey, Ralph S. Estate
Property Address: Lamar Township
City: Mill Hall State: PA
Lender: Charles E. Shields, Attorney at Law
County: Clinton
Zip Code: 17751
General comments:
Timber value was not included in this report or value.
Using sales after date of death has no significant affect on value.
The concept of plottage was used to detmine value. Plottage is the assembling of parcels to have a greater unit
than they would separately.
Reference deed for exceptions.
SUBJECT PHOTOGRAPH ADDENDUM
'fO~O\~~ ~'---~:ey, ~alph S. Estate
roperty Address Lamar Township
'lty Mill Hall
,ender Charles E. Shields, Attorney at Law
Cowty
Clinton
State PA
~--'::'7- ...,~~
':.,1,.,:',_ :,.~b';i',,-
'io; ." . ....:... '~ .c
;~';:'-:i: ", ' ~~. '
SNYDER APPRAISAL SERVICES
Bail.ey Estate
BaileyR
Zip Code
17751
FRONT OF
SUBJECT
REAR OF
SUBJECT
STREET SCENE
.tr
I
LOCATION MAP ADDENDUM
Bailey Estate
File No: BaileyRI
Bo~ower Bailey,Ralph S. Estate
Property Address Lamar Township
City Mill Hall County
Lender Charles E. Shields, Attorney at Law
Clinton
State P A
Zip Code
17751
~p(C)19a4-199a ETAK INC
ourtesyof Snyder AppraIsal Services (717) 748-1971
SNYDER APPRAISAL SERVICES
lJ''''''.''-. \
Baile.
S\1E PLAN ADDENDUM
, -- . -- -------------------~
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SNyOER APPRAiSAL SER\I\CES
LEGAL DESCRIPTION
Borrower / Client Bailey, Ralph S. Estate
Property Address Lamar Township
City Mill Hall County
Lender Charles E. Shields, Attorney at Law
, !
i I
BaileyRI I
;
Clinton
17751
State P A
Zip Code
; I
, i
i
i
!
MIG ftlllER
510 1~ ~u ~ .
w4la i1ttuf
JlIJ /J ,
I
Mailr tqc 8 (); '-t 4"11 of ,U 11. y" m fl., "'(If" of
Lord 0'11I 14owI.uJ ,Ii1I' AuRdrc(l amI lfilWnt.y -thrall
l,tWtfll X&NlilLm B. HtGbWf and CAJIOLnT t. HE~. lLi;ll ",H~, ~ n'.3NIlTH
JIl\'lliN atld LOU J, n,ySi. h18 wlf.. auli GlOIG'E 'c'- BLA<X, &ACllWIClt K. lLACIt. h~
wi'~1 h.r8j~.ft.r called G~ant4t.., Parties of tba l1rat Part. .
AND
llALrll D. MU.ST &ad GKOI.GI S. DlVI8 oC CUlnber1.and Councy. Pennsyl
VAIli&, beret.n.hel' odlaeJ Gl'.atlHW. P.l'tte. of tla. 8.~tI..d Pay:t.
.il'I~lIIWafr, l.htd tLr .aid parauo! Uu .fiflt /IlIrt~ ffir and itJ ~tmlticn. 'of ,Iu) .... c
011 (Ol,OD) ~~4A .~ Q~hBr Boed and v81u.bieccntidctation.
'ltnilw.J;.l4f1Jf1J.l flfmU:r at the Unie~d State" UtLto t.hell well cmd tf'~lll paid b]J ~lut ,Af
paI'Hcn. of Ua,s '800Nil part, flu ,,'~ipt rJJh,rs(lf i.t J.,r~b1 "ckM'lOkdgedJ do lItn',by g1'tl1l1
l1ArU41Iw.. .121~ Gl,'m "'fcoH~ r~. COH.~1I and confjr-r4 wdo tn" ..d pant.. of the MDCOU,
p4TtJ the1r A.in _4.AuIp,a. I
~l TRAT C&R~AIN ~~.cc or p.reel bf leod sit~e. in ~4"~ Tft~shfp. Clinton
Co~nty, raan.ylvan1a, gote parL!cul.rly b~un~~d aqd daacr1bed as tollQ~. to Wit
d~GtKhI~G &t a point Pn ~h~ $OutheT~ edge of a fi!Ly (SO) !QU~ wide
66fwtce r~&a aigna Lnt.ratate Baut. Mo. 80 (AS &hQ~ oQ reun5YL~an15 Dep~r~~nt
or T~~,~p~rt~tian Plan of Roues No. 1009, Section 4), ClincQn County, Shckt 17
of 82 sluulca), now k.nnwn .. Town.hI" Route 5S1. iI r t.hll VMtern lin. of IllTlds nO"
or l~tQ of Shr1ve~ W. ~v.~l,; ~b~n~~ ~laDa the said Xv.rly lands, s~utn itfty-
OUi! &l~g[L:e6 twenty-tbree. 1I1nuL~.Ii LhJ.ny'-&1x liU:lllldllll east (8 .51. 231 36" E) n
dlatanec of one thou.alOd thrlil8 n\llldr~ 1iI.VII~tY"Qine ~nd twilrlC::y-a1.x one hunaredtb
(l,31&.~6') feet ~o . plle Qf Itnne5 on ~h. nafth~rD line at otber lauds no~ or
lKt~ of ur.n~ors l~rel~: t~.ftee .1o~1 nt.~a~ land& of Grantors hereia ~"d alons
lands ~~ a~ late of Cl.1re W, Jane., south forty-five d*areaM ~walv~ minutes
twenLy-four tll!cuud>> wdt (5 45" lZ' 24" 111) a distance o( gUlt Lhu~&udthreehOJn<lTe'
r....nt:YT1oehr., And -r.w.nty-fDurolle 1umdredths n, 328.. 24'} fget to .a p.>1.u:: tben~tl
..lolllt the &-II!. no-rLb f"r&.Y"Qua degree. fLf ty.....ev~n llIinU't811 for~y 'I,;LRh;:. U;:ihlds
wer;1:. (~~ ..p 57' 4&" VI) tlilO hundred dlht1-ela1u and tD:'CY-Q1ae ofte hundnutl'.li
(26El, 49 I) f_t Lu a pull1lq I:nence alOD~ the .a~. south fDrtY-61~l\t dlill!rlilRli t.wo
Tll'ln'lloell ewel". IUlcaudlO "Rut (9 48- 2' 12" ..') three nundr~CI twenty-nlue anti nllUtl
rive ona hund"ti!dtn!ll (32..9~') tc_t t.o a point on the aastern l!Iid_ of l'Dtfuh1p
Ilnutt: ~IJ. 356; t.lumcl!I .lung ths &all tern side or .a1d TOIImsUp. Route ..he f (Jllgw;j.~
cC>tl"1''''eo'' anli diItUI'tCU: Aorta. fDTty-ftve detyus fiftY-Beven minutes fD"ttv-ei~bt
l5ecqJJdIil _Ii t (I 4S. HI 4S" W) twanty-thru ao.d ~:t8ht1-flnlr "ne hUMUiCh:hii
(23.84') feel tD . paint; th8D~e by Q curve to the r1Rht. hav1nA ~ ~.diu. af si~
htlndred n111ety-s1x 611d a~v~&\tv-.iAAt on~ bw.ac1nc1t:h8 (696. 78') r.liIt I the arc;: dill-
tODce of LvO huDdiM~ 11atYrn1u~ and f1rty-f~we one nundr.dt~ (26~.55') feet to
II. point; thance Dortl1 lJixt)'-si.w. tletCree5 twelve .inutes six seeondl lIa.~ (~ 66'
12' 6" E.) fi"ve (51) he' (0 a po1ntj thente b,- . curve to th~ Ti."bc, haVinG a
Y'11/HWI (l r .d.x huadl"ad nh\.ry~l'Ic IlDd !IIeV~~)I_1RllI: nna hundrllchlllo (691. )8') 1'6:lIt
dle: al'c. distllRC:tl DC Lbltty 11lliV~n a3,1 sixty-two ane hundTedlhs (l7.62') (oct 1;." 11
1l01l1L E'&d.al t.o th" LntlluactiClu Df TOVll3hip Route ,)5.5 Conll.'tiot'l, 'CO\JUsnip' Itoue,
356 ~nd ~Qwn5hip Route 551j th~nee continuinr, _lane .aid curve and nlonR the
"~l\tCTl\ E'l.r,ht-ot-w.1Y liDO ot TownShip lll)"'~c ):tl, an. DIId tvanty-ulID ane Imncln:dc)
0021') fllot t.o a point.; thenc.e alnnp; t:h. 8:\1Je, north t,...nty d.~n:l:1I thhty-gilVC
Il\fnlltolll (U"..-LIIII. wueond" ...oat (N :lOa 17' 14" W) two humlrtld t.w~pt.v-two "".I €J.fty
U". en. \1ul\llnCiltlle (2ZZ.~51) iceL S;g a pa1n~; t1l1:nl:ii: U? ~Ul"V. to the lcjt,
havillR A ....lId...... "..r ....~___ L...~ '_M." . .
Day One Forms for Windows, 1995 - 1 800-GET-DA Yl
SNYDER APPRAISAL SERVICES
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ADDITIONAL ATTACHMENT
Bailey
Bailey
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Borrower Bailey, Ralph S. Estate
Property Address Lamar Township
City Mill Hall County
Lender Charles E. Shields, Attorney at Law
Clinton
State
PA
Zip Code
17751
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"tll.LER
510 748 9389
P. 03
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5.221) fut to a point;' lban~" dol'll' the 4tlflle by thlll anuLh'lrfl s1da of l:1uI afar.u~(
r'\t1 re 1:'0.11, QOJ'th .:exceen .:tejl:'C6es ~nt.'Cr.Y-4.Ylln Idrll11;_ r:b1rty-o~\. .;aconda .~t 'I'
16G 37' :.11" I) 0Il.8 hLn1drcd .forCJ~thre. IInd two QII~ hundUld~h. 043.02r) rr..f."lt to I
p::.tnt:i thance by a c:\O~v. t:o the left. hl'lvinl a ndilll!ll of ninety-iou.1:' (i4t) rU'~t I:
I
a 1111:'~ .s1111r.~~\c. of "nn1:y-~hra8 and 111nety-1I6yen on6 hundrGdtl1& (23. !>7') fe..~ to 41
in:: i t:~ollee ~1 the ...... nos-tll a:hl'ca de"nea fifLy minutes t;h!rty-seVl!41 1!1t.'colld.:; ~
ii't (N J.. ~Ol 37" E) two hundred t:hirl;. y-tVD llnel f"~~Y-lIev.n (lee tn>>l<I'tcdtha (232.47,.
6~ to . peint j ch.Ile. 11:/ c:ha a&llhl ~J a cu~._tDthe r1zht. h4v1n~ _ ri'ld:iutI of thx ~
,~arad tuanty-a1ne and cwentY-S1S ODe hua4cadth. <329.26') f~.t. tb. arc dist.nc. f
.& ~llnch'~ fifly-fo\&t ...... f~H)" (Lv. I)ne nl.ln,dIedtbs (1:i4.451) fut co II po1ACi Ii
14n~enDl't.h th1.rty der.reu forty-threa Ilinutea eaY&n ail",nds east (:i 33. 4]' 7" X) ,
.snl: b.,qdrea! t:h:L,"EY-4Lu: iLnd C1i.hty-b"~ On6 htmclredt:hs (83g~821) i_t: to a point,
I' pJ..~e .of B1GINMIIlJG.
COHtADlUlG thll'tV-Uv. _I'll fOIll' bundud tlttrty-tour ClN3uulldrhll
~).434) .or.~ ~r. or 1~8..
SAVING AND !XC;6P'TIHG tllenfl'OlII tWt> (2) C'(Il"t..dn traet:l c:~nv.'';IJ this
lY bf fkll/llonl hat.!.. I Lh- f~I'.;' t:~.ee cC'>J'lealn:tu.a Ne...r:y and t.hree. lumd",ad liJcty-
~'A. onD tbou$~tha (20. 34g) acxes IIOre 01' 1~1I to HMI"~ .JahlUiion CGll~any by
..~ of ~vwa 4ate ~ intended to be recor4a' contemport~~lv bar.with. and the
!eond conta1n1n,; H ftY-1ilI6'Ven c:bO~bd ....~ h~nd .at ["!iT .6Hi) square feet IIOra
: leu conWl.Yd to '1ax.aco. lac. ~ Deed of &Ve\\ date aad. bhlUiH to ho n~oTde4
.~ten.poran.oy.l1 I~~.wi'h. .
~r. IzelPTntG LtlCMSB 1II1Jr.h ~rt:fOfl (:If add tnct al> _,. hava bl!6n
u: ludad 1n lM DIed a f I-lal".u.t A. lteekNn, W1ele",". dAted, A~Uli I; 4. 196.6. and
eeordad in ~bM OffLG8 of ~b. ~tord.T 6f Ua~ ip _pd for ClLn~on County i~
aed RoQk. 218 at. paae , EO Man E. X~.ldl.l'. er. 'liT, and-was eaQvl)fad by M3ry ll:.
l'eU tar I et. viI'. to r,Tlmlaea 1l."f1ill by need d~tlUl AllgU"t. ).J, 19)1. an4 re.cor404
E:. the Offiu Df dw lAaorclel' ot. Dud. 1a ant for CUatall Cawt,. ia De."d look. 233
.t Plll. 264.
J.HI) UVlllG IJiD I\rmPTING It' ADDITION II trac:~ c:~nveyad thi. day by
;J~Ptor.. heuin c:'oQ~atlltnB 0111 .~d "YIIIlty-Din. one thguund~u Cl.fl7~) Aerea
lPte 91' le.1 to GJ.ea HUlet ~ .De.d.ot ".Il Ill.C' toy 1aUoded /:0. be recoC'''ed.
:6AtC:JilpGtmeoualy h*l'Mt1r, '..- q- .- .,. " '. .. .
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.~ der -load l.y th. J(a'.'Zl'l' P......" . 1
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pl D!et~lot B&~l tstat~ ~rann~o~
tax ~loJyt\on' of th~ y, 1 t
... .... .. at,;,
tn.n8.f8n'ticl by tr.ls D.Eld 1a $.lCr?d$.~"
ana t)I~a:li tile +.. . ........ .n......,
7J ~a.JI~Gl" t.~ 1~ the aa:1Ut1t
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.....................i~.. 4. ,~Pltd..
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SNYDER APPRAISAL SERVICES
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Statement of Limiting Conditions
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Bailey Estate
File #: BaileyR ,
DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and ~en market
under all conditions requisite to ~ ~air sale, the b.u~er ~d seller, each. acting prudently, knowledgeably and assuming th~ rice is not
affected by undo stimulus. bnplIclt m this defmltlon IS the consumatIOn of a sale as of a specIfied date and the passmg q I tItle
from seller to buyer under conditions whereb~: (I) ~uyer and se~ler are typically motivate~; (2 ~ both parties are well ~~rned or
well advised, and each acting in what he conSIders his own best mterest; (3) a reasonable tlllle IS allowed for exposure ithe open
market; (4) payment is made in terms of cash in U.S. dollars or in terms offmancial arrangements comparable thereto; '(5) the
price represents the no~al co~ideration for the property sold unaffected by special or creative fmancing or sales conce ions*
granted by anyone aSSOCIated With the sale. i I
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* Adjustments to the comparables must be made for special or creative fmancing or sales concessions. No adjustments e
necessary for those costs which are nOffilally paid by sellers as a result of tradition or law in the market area; these costs ~e
readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative fmancing adj dnents
can be made to the comparable property by comparisons to fmancing terms offered by a third party institutional lender ~t is
not already involved in the property or transaction. Any adjusl1nent should not be calculated on a mechanical dollar cost qf
the financing or concession but the dollar amount of any adjusl1nent should approximate the market's reaction to the fm ping
or concessions based on the appraiser's judgement. II
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STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION I,
CONTINGENT AND UMITING CONDITIONS: The appraiser's certification that appears in the appraisal report i~ Lbject to
the following conditions: I i
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I. The appraiser will not be responsible for matters of legal nature that affect either the property being appraised or the ti~,le to it.
The appraiser assumes fuat fue title is good and marketable and, fuerefore, will not render any opinions about the title. We
property is appraised on fue basis of it being under responsible ownership. I :
2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions offue improvements anwe
"':'t'h" included onty tn .",,, the""""" nf the report in v'''''''izing the property .nd """",_ding the .ppm',"", "'" ': ,notion
ot ItS SIZe. I
3. The appraiser has examined fue available flood maps fuat are provided by the Federal Emergency Management Agen~j, (or other
data sources) and has noted in fue appraisal report whefuer fue subject site is located in an identified Special Flood Haz ~ Area.
Because the appraiser is not a surveyor, he or she makes no guarantee, express orjmplied, regarding fue determination. "
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4. TIle appraiser will not give testinlOny or appear in court because he or she made an appraisal of the property in questitk unless
specitic arrangements to do so have been made beforehand. Ii
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5. The appraiser has estimated fue value of fua land in fue cost approach at its highest and best use and the improvemen sl at fueir
contributOlY value. These separate valuations of the land and improvements must not be used in conjunction with any ot ~r
appraisal and are invalid if they are so used. :
6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, fue pres ~ce of
hazardous wastes, toxic substances, etc.) observed during fue inspection of the subject property or that he or she became fare
of during the normal research involved in performing fue appraisal. Unless ofuerwise stated in the appraisal report, tlle a raiser
has no knowledge of any hidden or unapparent conditions offue property or adverse environmental conditions (including e
presense of hazardous waste, toxic substances, etc.) fuat would make fue property more or less valuable, and has assunle at
there are llO such conditions and makes no guarantees or warranties, express or implied, regarding the condition of the pr perty.
The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be i
required to discover whether such conditions exist. Because the appraiser is not an expert in fue field of environmental
the appraisal report must not be considered as an environmental assessment offue property.
7. The appraiser obtained fue information, estimates, and opinions that were expressed in fue appraisal report from sour ~s that he
or she considers to be reliable and believes fuem to be true and correct. The appraiser does not assume responsibility for e
accuracy of such items that were furnished by ofuer parties.
8. 1he appraiser will not disclose the contents offue appraisal report except as provided for in fue Uniform Standards of
Protessional Appraisal Practice.
9. The ~ppraiser has based his or her appraisal r~port and valuation conclu~ion for an apprai.sal that is subjec~ to satisfactbb,
completIOll, repans, or alteratIOns on fue assumptIon fuat completIOn of the nnprovements Will be performed m a workm#ike
maImer. I
10. The appraiser must provide his or her prior written consent before fue lenderlclient specified in fue appraisal report c
distribute fue appraisal report (including conclusions about the property value, the appraiser's identity and professional I
designations, and references to any professional appraisal organizations or fue fmn wifu which fue appraiser is associated ~o
anyone other than the borrower; the mortgagee or its successors and assigns; fue mortgage insurer; consultants; profession ~
appraisal organizations; any state or federally approved financial institution; or any department agency, or instrumentality qfthe
United States or any state or the. District of ~olumbia; excep~ fuat fue l.ender/clie~t may distri.bute fu~ property descriptio ~ ~ection
of the report only to data collectIon or reportmg servlce(s) Without havmg to obtam the appraIser's pnor written consent. TPe
appraiser's written consent and approval must also be obtained before the appraisal can be conveyed by anyone to the publf
through advertising, public relations, news, sales, or other media. .
Freddie Mac Fonn 439 6-93
Page I 0[2
Fannie Mae Fonn lOO4B d- 3
SNYDER APPRAISAL SERVICES
Bailey Estate
BaileyR
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APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:
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I, I have researched the subject market area and have selected a minimum of three recent sales of properties most similar a~~
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proximate to the subject property for consideration in the sales comparison analysis and have made a dollar adjustment whe1\. 'i
appropriate to reflect the market reaction to those items of significant variation. If a signitlcant item in a comparable prope1)\'
is superior to, or more favorable than, the subject property, I have ma~e.a ne~ative adjustment to reduce the adju~ted sales pH,ce
of the comparable and, if a significant Item ill a comparable property IS infenor to, or less favorable than, the subject prope1'f
I have made a positive adjustment to increase the adjusted sales price of the comparable. i i
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2. I have taken into consideration the factors. that have an. im?act o~ value in my development ?fthe estimate ofm~ket val~, in
the appraisal report. I have not knowingly WIthheld any sIgnIficant 1llformatiOn from the appraisal report and I beheve, to thfl
best of my knowledge, that all statements and information in the appraisal report are true and correct. cl' :,
3. I stated in the appraisal report only my own personal, unbiased, and professional analyses, opinions, and conclusions, . 9h
me ",bj"" only 10 the rootingen. ""d Inniting cond;bon, 'pedfi<>l rn tbi, fonn. l<ertify lhnt, to the best of my knowledge ,~
belief The statements off act conta1lled III this report are true and correct. The reported analyses, oprnIOns, and conclUSIOns 4re
limited only.b~ the reported assumptions and limited conditions, and are my personal, impartial, and unbiased professional I i
analyses, Op1ll1OnS, and conclusIOns. I :
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4. I have no present or prospective interest in the property that is the subject of this report, and no personal interest with res ~t
to the parties involved. I did not base, either partially or completely, my analysis and/or the estimate of market value in the \
appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the prospective owners <jr
occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject prope .1
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5. I have no present or contemplated future interest in the subject property, and neither my current or future employment no my
compensation for performing this appraisal is contingent on the appraised value of the property. I "
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6. My engagement in this assignment was not contingent upon developing or reporting predetermined results. My compens~tfon
for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in I :
value that tavors the cause of the client, the amoWlt of the value opinion, the attainment of a stipulated result, or the occurrerlde
of a subsequent event directly related to the intended use of this appraisal. i "
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7. My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Unifo I
Sto,,,,,"d, ofhofe"ioonl API'"""" h",tire rn 1'1= ~ of the eff"'bve date ofthi, oppmi",I, w;th the exrepbon of the depa iue
provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable time for exposure in the , :
open market is a condition in the definition of market value and the estimate I developed is consistent with file marketing tim/9
noted in the neighborhood section of this report, un1ass I have otherwise stated in the reconciliation section. i "
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8. I have made a personal inspection of the property that is the subject of this report. I further certify that I have noted any \ i
apparent or known adverse conditions in the subject improvements, on the subject site, or on any site within the immediate ,
vicinity of (he subject property of which I am aware and have made adjustments for these adverse conditions in my analysis ot I
the property value to the extent that I had market evidence to support them. I have also commented about the effect of the "
adverse conditions on the marketability of the subject property. , '
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9. No one provided significant professional assistance to the person signing this report.
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If! relied on significant ~rofessional assistance from a~y i~~ividual or individuals in the p~rformance of the appraisal or the {',
preparatiOn of the appraisal report, I have named such mdlVldual(s) and dIsclosed the speCIfic tasks performed by them in the :
reconciliation section of this appraisal report. I certifY that any individual so named is qualified to perform the tasks. I have ~t
authorized anyone to make a change to any item in the report; therefore, if an Wlauthorized change is made to the appraisal I
report, I will take no responsibility for it. :
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SUPERVISORY APPRAISER'S CERTIFICATION: !fa supervisory appraiser signed the appraisal report, he or Sh~!'
certitIes and agrees that: I directly su~ervise the appra~ser who prepared the appraisal report, have ~evie,:ed the appraisal re " '
agree WIth the statements and conclusIOns of the appraIser, agree to be bolffid by the appraIsers certIficatIOns numbered 4 thr ~gh
7 above, and am taking full responsibility for the appraisal and the appraisal report. .
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PA 17751 i \
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ADDRESSOFPROPERTYAPPRAISED:Um~To~smp
Mill Hall
APPRAISER:
SUPERVISORY APPRAISER
Signature: 7J1tlMj' C ~/J~
Name: Mary C. Suyder -
Date Signed: 6/22/2005
State Certification #: CRA#886 PA
or State License #: RL-000886-L PA
Expiration Date of Certification or License: 06/30/2005
Signature:
Name:
Date Signed:
State Certification #:
or State License #:
Expiration Date of Certification or License:
Page 2 of2
SNYDER APPRAISAL SERVICES
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COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF -0
DAIL.E"Y, RI'rLPH S
SCHEDULE B
STOCKS & BONDS
FILE NUMBER
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.21-0S-lDoo
All property jointlyoowned with right of sUlVivorship must be disclosed on Schedule F.
ITEM
NUMBER
1.
DESCRIPTION
rno~Gt+rJ S7A-NLEY A-e+;ve Ig<;,.f!t~ !tf.e:t-o No. J.fIO-0I73'1S- 09/
Tifal ASSd Valu.e (AS. Dt a.l).d.
(see lYIor~().n .sfAnley ~tQ-rement aff-Q.c-hed)
VALUE AT DATE
I: OF DEATH
;. Lf Lf. Itj
TOTAL (Also enter on line 2, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
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REV-'S'OEX.(1-97) ~
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COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATEOF 'BA-IL-EY, ~A-l..Pf../
ITEM
NUMBER
1.
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SCHEDULE G
INTER-VIVOS TRANSFERS &
MISC. NON-PROBATE PROPERTY
s.
FILE NUMBER
This schedule must be completed and filed if the answer to any of questions 1 through 4 on the reverse side of the REV -1500 COVER SHEET is yes.
DESCRIPTION OF PROPERTY
INCLUDE THE NAME OF THE TRANSFEREE. THEIR RELATIONSHIP TO DECEDENT AND THE DATE OF TRANSFER
ATTACH A COPY OF THE DEED FOR REAL ESTATE.
%OF ! I
DATE OF DEATH DECO'S EXCLUSIC ~ TAXABLE VALUE
VALUE OF ASSET INTEREST IF APPLlCABL I
~ /0010 ,
7, lro'!. 29 -0- -Z /t~<;.29
T,eA A-U:( -#' 03S'OD'f2oolfD74-5"f-oJ
d.{ IY1 $. T rtJANJ<'.
C ,see va/uahp/J lelfer alfac.-hed)
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II1-p,.tl>IPtlSAI l-rP.n~rU5 /11cule. f)/I 'Ht/n tJ/Je
(t) ytar cf "p~ ,,/ /(1(# by I?alfll, S,
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(sa. m or~an &tA.n/~ ~u-. 6hi.J-ement
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TOTAL (Also enter on line 7, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
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Date of Death: December%2001 11
.:1.1 II
Dear Sir or Madam: iJ
P:r yo~ inquiry dated J~e 14,2005, please be advised that at the time of death, the above-named decedent had on Meposit
WIth this bank the followmg: ' I
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Please be advised, there was no safe deposit box found for the above decedent. I I i
* For further account information, regarding ownership, closures and/or reimbursement of funds, etc., PIJ1, call
the Highland Park Office # 717-737-3322. Tr
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. rl=1 M&rBank
499 Mitchell Road, Millsboro, DE 19966 Mail Code DE-MB-12
Phone (888) 502-4349
Fax (302) 934-2955
July 21, 2005
Charles E Shields, III
Attorney At Law
6 Clouser Road
Mechanicsburg, P A 17055
Re: Estate of' Ralvh S Bailev
Social Security: 170-16-1528
1.
Type of Account
IRA
Account Number
035004200167458-01
Ownership (Names oj)
Ralph S Bailey *
Opening Date
03/31/99 Closed 01/06/03
Balance on Date of Death
$7,058.64
Accrued Interest
$ 110.65
Total
$7,169.29
Sincerely,
.~7t7~.
Nancy Clagett
Records Management
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II
REV-1511 EX+ (12-99) .
. . ~.':~'.
"\ :>
~t:_ ;
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
BA-l LEY, RItLfJ/./
FILE NUMBER
i
;2[- 0 S"i-t- t:. 00
" I
, ,
5.
Debts of decedent must be reported on Schedule I.
ITEM
NUMBER
A.
DESCRIPTION
i~MOUNT
,c 4\ 7J". DO
f\7l> 7. 2~
~ZS"Il>O
,,',
I) 'I 11/. 70
1.
FUNERAL EXPENSES;
fhye-~ ri<neral ff/)h1t of MeeJJltn;~sbur8
t:UMra/ I1IM/ Itt L' KDS!e Y///11 l?e.sfllJlrAftt
flzesfJ1at Mil felllehl''y /!-S/1.
:J1t1Ht:.s ~. r;;l1jr" c./' lJ1emor/als
1.
3.
if.
1.
\
B. ADMINISTRATIVE COSTS:
2.
3.
4.
5.
6.
7.
f.
r.
II).
d.
Personal Representative's Commissions
Name of Personal Representative(s) e AI2.~l K. 8,401 L€ Y
Social Security Number(s)/EIN Number of Personal Representative(s) /7 b - If" - 07" S-
Street Address J.fSf) E. LIStJllttd /lJ).
City 1J1/;"{J"f/IfA/1 ~S ~tl ~G- State jJ,f Zip 11D SS:-
Year(s) Commission Paid: AliA
IM/J-IV i!f1) .
Attorney Fees ell A-II.L 1:.5 If: SIll Ifl-OS .1li'
;II
4000. co
Family Exemption: (If decedent's address is not the same as claimant's, attach explanation)
Claimant C/f1loL K. gAllEY
Street Address 'IS[) E. LI.J 8 tI /tlf) R./).
City Nt:=(!.H/fAl / t!,.~ 8t1/l (;..
Relationship of Claimant to Decedent tc)/l);JP)
,
4,.~.. ()o
State j/I'f Zip
/lPSS-
Probate Fees ~ ori~inJ j~,u.e Elf shDrt c:.e..rtit;'co.:tes
~'.
111.00
~ \\
3i$0 .DO
, i
I
,
i
I
Accountant's Fees j (
J a mtS 'BV'ue~ClI c. f. IT. D\"
Tax Return Preparer's Fees
HCA.rr;:;"ou.ll
(e~r.tn.)
iltlI/hpII4/ 17/"t164f~ -fees
In (}'UK wla"J ~w JUurna I
I/} earl,'<5/e cS'elJt/ne /
Ji~O'OO
~ 7 S. ~o
1J
I 7.99
fil'
If. 00
I
I
13~. :>0
, I
$.:11 9S::l. Lf L.j
,
IJ.drert/s (lti
hltltfbs/1j
Ft'/J'1 Fa
PhpM~pi~,
:;J;, her,' 'Ill Ace
~
J?elurl1
~,..
fJPs.~ I tlG. (~sh1r')
TOTAL (Also enter on line 9, Recapitulation)
(If more space is needed, insert additional sheets of the same size)
! I
SC-NE"D. H., ~dd.
Ef;T oE BA-LLJ?''f.;__~It?fJH S.~/__PS-/~()(}_
1:<,: /JfD,,,lo/- CrIlll- .f!... {J!t.llec. ..tl4R~k/J4YMI&!~rf,'tIeselltt:i1 1 ~
r/1l1ltth1~f' 7'JeI!I.2l//l-j1~/lt!'f/-~~~ ~.tYt:n."'hEn5 ._.~. ~rresrpl!f1dRA#. ~ 7 s: 0-0
/3~_; 1Ylt1-~~yderr eP Jnyde/./h?Rf'aisal aety/(..:~!;,Loek'H~/Pt4d "600.00
/1' s: Iv, &rr~f tft4/ E9f~ f ApfJ;a/Sa/. Sery,~c., pf (!ClJ-/;s Ie-I 171\ ..~so. DO
ISr fliRt ft1mdlel; ZUcjpU/~~r (eshrl,.) \ 1/ t)tJtJ.~o
I
I
I
I'
REV. 15.'2 EX. (1.97)
SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES, & LIENS
BA / LE y~ l</it/JfI S~
FILE NUMBER
~/-~S- "00
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Include unreimbursed medical expenses,
ITEM
NUMBER
1.
13 0.\ llna d.u.t 16
lV1.e S';;al1
DESCRIPTION
V,'II ct~e
AMOUNT
t '-I, 1ot!. fo
2.
West Shore E /l1S -hr /-r.wsifJcrta f,'t?n
Brt1.r1~ Townsencl 1,; A!ur.s,'I1/ ~,.t/lces
'9~.1S-
ist .
2t9.co
3.
\
!\
. I
TOTAL (Also enter on line 10, Recapitulationl $ "I, if ~ 5": 55'
I If more space IS needea, ,nsert additional sneets ot the same Slle)
REV.1S13 EX '(1.97)
ESTATE OF
II
SCHEDULE J
BENEFICIARIES
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
'BAILeY,
R.ALPH S_
FilE NUMBER
d. 1- ds -(000
AMq,UNT OR SHARE
IOF ESTATE
I
~;~~..~~: ; :fa
,:fe i na.nt t)f a..
C ~,+- she I +-er t-ncd-.
i
NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY
I. TAXABLE DISTRIBUTIONS (include outright spousal distributions)
RELATIONSHIP TO DECEDENT
Do Not list Trustee(s)
II.
1. C!4t<..OL. 1<. $A-I Lf:?j
Spt>lLse .
dau~hter
Ys ,{Jell1Q.I'nd~r
i
I
!
;;;..
Bec.ty &;I~ I 2[;~J J<yW~ H,'lI Rd. YorJ<J
PA /7403
scott /<. ~a.l'l€tfl ~ Peo.cePtA/ Ltlvrle, West
Che.ster I Pit jq 380
/II. .Iia'y PQ//e,t/ J ~//I IPx hre /Jr. I mec.-h-
tln;Csbury... ///!- /7/}s-~
Pal g. I3oWl7ftlH / SSlJ E. L/.stJlrn /I~ J
tJ1ecJranJeSbUr!1 fY/f 17()S~
~h10S /(/. ~/~J 7/9 ~if5btlrth St.... Son
.5eot/scla/~1 ,e74- /Stlt!'3 :
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 17, AS APPROPRIA TE, ON REV 1 ~( 0 COVER SHEET
NON-TAXABLE DISTRIBUTIONS:
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE
3.
son
IRernaind~".
I
! t?ef'rla.,'lJder
y~
t.f.
\
dauah~r
Ys
s:
d~h~
y~ :~elY)a.I't1de".
I
6.
I
y&"" ~e h1Gl ,'nde,.-
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, insert additional sheets of the same size)
II
. REV.1514 !X+ (3.92)
.C}...Jb~
~
SCHEDULE K
LIFE ESTATE/ANNUITY/
TERM CERTAIN
COMMONWEALTH Of PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
FILE NUMBER
This schedule is to be used for all single life, joint or successive life estates and term certain calculations. For dat~ of death after
12-31-61 and before 5- 1-89, actuarial factors for single life calculations can be found in Revenue Booklet (REV- 1 ~l 1 B). For dates
of death on or after 5-1-89 actuarial fadors can be found in IRS Publication # 1457 Actuarial Values, Alpha Volvme.
The instrument creating the life interest is a: (Please attach a copy of instrument)
00 Will 0 Intervivos Deed of Trust 0 Other
(JA/C,oL. X. fPlfflEY
Present Age
(Nearest Birthday)
fl-/-ZZ/I9'lS' 7' (ils;t"
o life or 0 Term of Years j'
o Life or 0 Term of Years
o life or 0 Term of Years
1. Value of Fund from which Life Estate(s) is payable: ......................................................... S
f ..
$'8', }f~' U>
6). 36;1 poS-
, 31, 7q~. 21"
2. ~~:~::~a~ :~=~:t~e~ dP;~~ate~ a~~~ . "0"1 o~i~'" o"V~;i~'bi~' R~;~"'"'' 4:iO(~7SUJ o/~
Value of Life Estate (Line 1 x Line 2) ... .... ....... .................. ..........................................
o Life or 0 Term of Years
o Life or 0 Term of Years
o Life or 0 Term of Years
o Lif~ or 0 Term of Years
1. Value of Fund from which annuity is payable ................................................................. S
2. Frequency of payout - 0 Weekly 0 Bi-weekly 0 Monthly
o Quarterly 0 Semi-Annually 0 Annually 0 Other
3. Amount of payout per period....................... ....................... .................. .......................
4. Annual payment.........................................................................................................
5. Annuity Factor (see instructions)
Interest Table rate - 0 3Y2% 0 6% 0 10% 0 Variable Rate %
6. Adjustment Factor (see instructions) ., ............................... ..... .........................................
7. Value of Annuity - If using 3Y2%, 6%, 10% or if variable rate and period payout is at end
of period, calculation is: Line 4 x Line 5 x Line 6........................................................
If using variable rate and period payout is at beginning of period, calculation is:
(Line 4 x Line 5 x Line 6) + Line 3.
NOTE: The values of the funds which create the above future interests must be reported as part of the Estate Assets, ~lne 1 through
Line 7. The Resulting life/Annuity Interest(s) should be reported at the appropriate tax rate on Lines 13, 15 and 16 as required.
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LAST WILL AND TESTAMENT OF RALPH S. BAILEY
I, RALPH S. BAILEY, of the Township of Upper Allen, Cumberland County,
Pennsylvania, being of sound and disposing mind, memory and understanding, do make, p\IJblish
and declare this to be my Last Will and Testament, hereby revoking and making void all form~r
Wills by me at any time heretofore made.
FIRST
The expenses of my last illness and funeral shall be paid from my estate.
SECOND
I hereby give and bequeath, absolutely and in fee simple, to my spouse, CAROL K.
BAILEY, all my household furniture and furnishings, books, pictures, jewelry, silverware,
automobiles, wearing apparel and all other articles of household or personal use or adornme~~,
provided that if my spouse dies before the thirtieth (30th) day following the day of my death~ ithis
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gift shall lapse or be divested and I make said bequest to my issue, per stirpes, living at the t~$e of
my death, to be divided among them as they shall agree. If they cannot agree for any reason~ lthcn
these items shall be sbld at public auction, my issue being permitted to bid upon such items.
My Executor shall represent any minor child in any division of such property and sh&I!1
deliver to the person standing in the place of a parent to such minor, without bond, such portlion of
the minor's share as my Executor, after considering the minor's wishes, deems appropriate ~d
shall sell the balance and pay the proceeds to my Trustees to be retained or distributed as
circumstances may dictate as provided for below.
THIRD
Should I so desire, I will make a series of specific bequests to specific individuals on:;!l
plain piece of paper to be signed and dated by me and to be inserted with this, my Last Will and
Testament.
FOURTH
The gift to my spouse in this Item is intended to give my estate the marital deduction
effective under the Internal Revenue Code to reduce Federal estate tax. Any provisions in thi~l Will
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which conflict with or fail of this intention shall be so reconciled or amplified as to accomplis~ this
objective.
If my spouse, CAROL K. BAILEY, survives me, I direct that my Trustees, hereinaf~r
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named, hold, IN TRUST, an amount free of all taxes equal to the maximum marital deductio~
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allowable to my estate for Federal estate tax purposes, reduced by an amount, if any, needed to
increase my taxable estate to the largest amount that after allowing for the unified credit and any
other credits available to my estate, will result in no Federal estate tax, and pay the net incom~
therefrom not less frequently than quarterly to my spouse for life. My spouse shall have pow~r to
appoint all or any part or parts of the principal of this Trust to herself or a class composed of tHe
issue of myself and my spouse. This power shall be exercised by her alone and in all events lI:>r
specific reference thereto in her Will, or by delivery at any time or times during her lifetime ofi~
written direction to my Trustees who shall thereupon make payment as she directs.
My Trustee shall pay to her personal representatives from any unappointed principal tlt~
difference between all taxes, interest and penalties which they must pay by reason of her deat~land
those which would be payable by them if such unappointed principal were not taxable in her ~tate
and shall add the balance of such unappointed principal to my residuary Trust.
FIFfH
I give and devise the residue of my estate, real and personal, to my Trustee hereinafte~
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named, IN TRUST, as follows:
A. The net income therefrom shall be paid to my spouse, CAROL K. BAILEY, f<!>f
life.
B. My spouse shall have the power to appoint to herself up to the greater amount pf
five percent (5%) or $5,000 annually from the principal of the residuary trust ~~der
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this Item. This power of appointment shall be noncumulative and may be exe~4ised
during my spouse's lifetime only by her giving the Trustee written direction otHer
than by her Will.
C. Upon the death of my spouse, or in the event my spouse predeceases me, my ~~tate
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shall be distributed as follows: All the rest, residue and remainder of my estattl:j
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real, personal and mixed, whatsoever and wheresoever situate, shall be liquid~tjed
as need be, in the sole discretion of my trustee, and shall then be divided and
distributed in equal shares unto my children, per stirpes, as follows: Becky Battey,
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Scott Kennedy Bailey, Patricia Bailey Bowman, Judy Bailey, and Thomas Wi~l~am
Bailey, excepting, however, that I and my spouse have currently advanced fiftM
thousand ($50,000) dollars to our daughter, Becky, which is to be considered ~
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mortgage against her house and which, in the event there is any balance of prinRipal
and/or interest due and owing at the time of the death of both me and my spou~t,
then such principal and/or interest shall be counted against the share to be even~ally
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distributed to our daughter or her issue, as the case may be. However, should,'he
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balance of my estate be depleted before said distribution to an amount which w~uld
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result in a said equal share being less than any balance of principal and/or interest
then due and owing, then in such case my said daughter, Becky, shall not be
required to repay such amount to my estate for the purpose of equalizing the shares
to be distributed, rather, such amount shall be considered forgiven.
SIXTH
B. For maintenance, and support
Trustee may use principal of the trust under Item FOURTH hereof (Marital Deduction
Trust) only for the benefit of my spouse. With the foregoing exception my Trustee may use
principal from the trust under Item FIFTH hereof (Residue Trust) for the benefit of my spoustt
that Trustee deems necessary:
A. To meet the expense of any accident, illness or other emergency befalling her;
C. To pay funeral expenses, including the cost of a grave marker and perpetual cat~ of
the grave.
Notwithstanding the foregoing, the power to consume, invade or appropriate property for
the benefit of my spouse and issue shall be limited by ascertainable standard relating to health, !
education, support or maintenance within the meaning of subparagraph (a) of Section 2041(b)~1)
of the Internal Revenue Code of 1954 or any similar provision which may be in effect at the ti~e of
my death so that such power will not constitute a general powerof appointment.
SEVENTH
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I hereby nominate, constitute and appoint my hereinafter named Trustee, Guardian of alny
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property which passes otherwise than under this will to a minor and with respect to which I ami
authorized to appoint a Guardian and have otherwise not specifically done so. Such Guardiaq shall
have the power to use principal as well as income from time to time for the minor's educationj i
support and welfare, or to make payment for these purposes without further responsibility to tl)e
minor or to any person taking care of the minor.
EIGHTH
No provision of this Will is intended to exercise any power of appointment, including i<lny
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power of appointment granted to me by my spouse's estate planning or other documents.
NINTH
All taxes, interest and penalties thereon payable by reason of my death with respect to
property comprising my gross estate, whether or not passing under this Will, shall be paid frqrb
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the principal of my residuary estate under Item FIFTH provided however, that funds of my TtiJst
created herein may be used to pay taxes, interest and penalties attributed to such trust assets.
TENTH
No interest of any beneficiary under this Will or any codicil hereto shall be subject to
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anticipation or voluntary or involuntary alienation, and the personal receipt of such beneficiary
shall be the sufficient and only discharge of my Executor and Trustee unless otherwise provided
herein.
ElEVENTH
In addition to powers given them by law, my Executor and Trustee and their successtts
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and any guardian acting hereunder shall have the following discretionary powers applicable t0iall
real and personal property held by them, effective without court order and until actual
distribution: (except as more particulary stated and provided in Item FIFfH above):
A. To retain all property received by them including the stock of any corpomte
fiduciary acting hereunder, provided such property remains productive;
B. To invest in all forms of property without restriction to investments authorized ~o
fiduciaries, so long as such investments are productive;
c. To join in any incorpomtion, partnership, recapitalization, merger, reorganizati~:m or
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voting trust plan; to delegate authority with respect thereto; to deposit investmtt,ts
under agreements and pay assessments; and generally to exercise all rights of
investors;
1. To compromise controversies;
2. To exchange or sell for cash, property or credit, publicly or privately, o~ to
lease, even for a term exceeding five (5) years or the duration of the tru~ts
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hereunder, without liability on the purchasers or lessees to see to appli~tion
of the considemtion, and to give options for these purposes without
obligation to repudiate them in favor of a higher offer;
3. With respect to my residuary trust under Item FIFfH hereof, to alloca~ I,
items of receipt or disbursement between income and principal as they d~m
equitable regardless of the chamcter given such items by law;
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4. To apply income or principal to which any beneficiary is entitled directlylfor
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his or her maintenance and support should they deem such beneficiary i
incapable of receiving the same by reason of age, illness or any infirmity\ or
incapacity, or to pay the same to such person as they select to disburse it~
whose receipt shall be a complete acquittance therefor, without the
intervention of any guardian;
5. To borrow money, including the right to borrow from any corpomte
fiduciary acting hereunder, and mortgage or pledge as security;
6. To hold investments in the name of a nominee;
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7. To distribute in cash or kind or partly in each at valuations fixed by them;1
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8. To assume continuance of the status of any beneficiary with reference to
marriage, divorce, illness, incapacity or other change in the absence of
information deemed
9. To elect to value my gross estate for Federal estate tax purposes as of the
date of my death or as of the alternate valuation date as allowed for $fch
purposes, and to claim as income tax deductions expenses that woul~
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otheIWise qualify as estate tax deduction and other elections allowabl~ under
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Revenue Code, it shall not be necessary to segregate investments as
belonging to a particular trust or share therein and all interests may ~I held
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in undivided form in a single fund from which proportionate distrib~~ons
are made based on current reappraisals;
11.
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To merge any similar trust established by my spouse where the term$ iof the
same are identical;
12. To make income or principal distributions during the course of
administration of my estate or trust created hereunder;
13. In the event that I am the beneficiary of a qualified terminal interest t~st and
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the same is taxable in my estate, I direct that my Executor shall seek .. '!
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reimbursement from said trust for all taxes due by my estate because qf the
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inclusion of such trust in my estate, said computation of taxes due to l:le
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computed by taking taxes owed by my estate and such property inclu~Fd
therein as compared to the taxes my estate would owe in the event sai~
property were not taxable in my estate; and
14. To undertake any and all acts deemed necessary and proper by it for t~~
proper and advantageous management of any trust and the settlement a- my
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estate.
TWELFfH
In the event that for any reason whatsoever, any of my named beneficiaries should bffome
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a successor fiduciary, then No fiduciary who is a beneficiary of my residuary trust created ini~tem
RFfH hereof shall participate in the exercise of any discretionary power to use the principal .
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thereof for the benefit of any person or to apportion or allocate items of charge or credit betw-*n
principal and income of such trust. Additionally, no fiduciary named herein shall participate!i~
any discretionary decision to invade or use the principal of any trust hereby created for his/herl
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benefit or for the benefit of his/her issue and in addition no fiduciary named hereunder shall enter
into any reciprocal arrangement with any other fiduciary to make such discretionary distributions.
No fiduciary named herein shall have any power with regard to the administration of a trust created
hereunder if such power would cause the trust to be includible in his or her estate for federal estate
tax purposes.
THIRTEENTH
Any person, other than my spouse, who shall have died within thirty (30) days of my
death, shall be deemed to have predeceased me. If my spouse and I die simultaneously, or under
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such circumstances that the order of our deaths cannot be established by proof, my spouse shaU, pe
deemed to have survived me. Any person (other than myself) who shall have died at the same ti~e
as any then recipient of income or in a common disaster with such beneficiary, or under such
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circumstances that it is difficult Of impossible to determine who died first, shall be deemed to haMe
predeceased me.
FOURTEENTH
I nominate, constitute and appoint my spouse, CAROL K. BAILEY and my son Scott
Kennedy Bailey and my daughter, Becky Bailey and Farmer's Trust Company, also known as
Keystone Financial, as co-executors and co-trustees under this my will. However, in the event
that for any reason any of the above-named co-executors or co-trustees are unable or unwilling tol
act in such capacity, then I nominate, constitute and appoint my daughter, Patricia Bailey Bowmafi
as first alternate and my ,daughter, Judy Bailey as second alternate. Such authority to act as an
alternate shall extend to permanent successor status as well as ad hoc status in the event of a
conflict of interest regarding decisions on distribution and the like as mentioned above. No
fiduciary acting hereunder shall be required to post bond or enter security in any jurisdiction.
FIFfEENTH
My Corporate Fiduciary, if any shall be later appointed or shall otherwise become an
executor or trustee, shall receive compensation for the performance of its functions hereunder in
accordance with its Schedule of Fees in effect from time to time during the period over which its
services are performed.
SIXTEENTH
Trustees, if they so desire, shall be compensated in accordance with the compensation
schedules from time to time established by banking institutions in the Cumberland County,
Pennsylvania area. No Trustee acting hereunder shall be compelled to post bond or enter security.!
The Situs of the Trusts administered hereunder shall be considered to be in Cumberland County,
Pennsyl vania.
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IN WITNESS WHEREOF, I have hereunto set my hand and seal this I tJ ~ day of
tJu.
1997, to this and the preceding
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have also placed my initials on each preceding page for better identification and greater security.
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RALPH S. BAILEY
(S~L)
SIGNED, SEALED, PUBLISHED and DECLARED by the above-named Testator,
RALPH S. BAILEY, as and for his Last Will and Testament, in the presence of us, who at tii~
request, in his presence and in the presence of each other, have hereunto subscribed our n~~s as
witnesses.
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rt"-7t/. ~
tY
May 18.1997
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