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Home My WebLink About05-17-06 \. t, REV.1500 EX (6-00) OFFICIAL USE ONLY COMMONWEAL TH OF PENNSYLVANIA DEPARTMENT OF REVENUE DEPT. 280601 HARRISBURG. PA 17128-0601 REV -1500 INHERITANCE TAX RETURN RESIDENT DECEDENT FILE NUMBER ~L COUNlY CODE -9~ 0804 ___ YEAR NUMBER DECEDENTS NAME (LAST, FIRST. AND MIDDLE INITIAL) ~ ZEIDERS JOYCE ~ DATE OF DEATH (MM-DD-YEAR) DATE OF BIRTH (MM-DD-YEAR) ~ 9/5/2005 5/5/1933 W (IF APPLICABLE) SURVIVING SPOUSE'S NAME (LAST, FIRST, AND MIDDLE INITIAL) o c SOCIAL SECURITY NUMBER 210-26-7329 THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS SOCIAL SECURITY NUMBER ~ [XJ 1. Original Retum ~:!(/) D o O::~ 4. Limited Estate wo..(J %: 00 r::l 00::...1 LAJ 6. Decedent Died Testate (Attach copy of Will) o..a:l ~ D 9. Litigation Proceeds Received D 2. Supplemental Retum D 3. Remainder Retum (date of death prior to 12-13-82) D 4a. Future Interest Compromise (date ot death after 12-12-82) D 5. Federal Estate Tax Retum Required D 7. Decedent Maintained a Living Trust (Attach copy ot Trust) _ 8. Total Number of Safe Deposit Boxes D 10. Spousal Poverty Credit (date of death between 12-31-91 and 1-1-95) D 11. Election to tax under Sec. 9113(A) (Attach Sch 0) ....... ..... ...........'.... .."" ." .... "'.- '.' .. "-.' . ." '.... .'...., "... " '-.. -..' ....'. . .... ....................-.-. ....... ..", ... '. -.............. '. ........-. ".-'. ..'.' ........... ......... "..... '. . .... ,- -... ....... '.. ..... .......-..... ....-.'. ..,.,-.,...-. .. ..' .. '. .'................. ..'. .....'........... .' ..'.... ',' ........ -..'....... ..... ................... ................. -......'..........:-.:......... THIS...SEC,.I()N<MUST..fJECpMpt.E.TED....~i....:~QRRES.PDNQjNCEI\NDCQN,t;~DENl'tAL;T~INFC)_TIQN$HOUt;;O.BEPJjeCteD1Q: NAME COMPLETE MAILING ADDRESS .... Z ~ Z o Q. U) W 0::: 0::: 8 GREGG HAMM FIRM NAME (If Applicable) BOYER & RITTER TELEPHONE NUMBER 717-761-7210 P.O. BOX 8300 CAMP HILL, PA 17001-8300 1. Real Estate (Schedule A) 80,000 229,038 o o 73,332 3,588 ~n (1 ) OFFICIAL USE ONtV3 I .;-"-:) t,....:-" 2. Stocks and Bonds (Schedule B) (2) 3. Closely Held Corporation, Partnership or Sole-Proprietorship (3) (4) . -""'.......,i 4. Mortgages & Notes Receivable (Schedule D) 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) (5) z o i= :5 ~ a: oc( o u.... 0::: 6. J~ O'Mled Property (Schedule F) LJ Separate Billing Requested 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (7) (Schedule G or L) (6) ("0 (.Ii 140,692 8. Total Gross Assets (total Lines 1-7) 526,650 9. Funeral Expenses & Administrative Costs (Schedule H) (9) 1 O. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) (10) 11. Total Oeductlons (total Lines 9 & 10) 39,514 487,136 o 12. Net Value of Estate (Line 8 minus Line 11) 13. Charitable and Governmental Bequests/See 9113 Trusts for W1ich an election to tax has not been made (Schedule J) 14. Net Value Subject to Tax (Line 12 minus Line 13) 487,136 SEE INSTRUCTIONS ON REVERSE SlOE FOR APPLICABLE RATES z o i= c( ~ :;) 0.. ::E o (J >< c( ~ 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) o o o o 146,416 340,718 x.O ~ (15) X.O 45 (16) 16. Amount of Line 14 taxable at lineal rate 17,570 17. Amount of Line 14 taxable at sibling rate x .12 (17) 18. Amount of Line 14 taxable at collateral rate x.15 (18) 51,108 68,678 19. Tax Due 20. D (19) CHECK HERE IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT >.> ..'E/$URI,..Q~~WiR.Al4tQQ~j;tIO~SQN~~e"'~$.jge.~g.BECI":'lt;~tJ_...........<i<....... 3W4645 1.000 D dd t' C I t Add ece n s ample e ress: STREET ADDRESS 109 MARKET STREET CllY I STA 1E I ~P WEST FAIRVIEW PA 17025 Tax Payments and Credits: 1. Tax Due (Page 1 Line 19) 2. Credits/Payments A. Spousal Poverty Credit B. Prior Payments C. Discount (1 ) 68,678 o 60.000 3,158 3. Interest/Penalty if applicable D. Interest E. Penalty Total Credits (A + B + C) (2) 63,158 o o TotallnterestlPenalty (D + E) (3) o 4. 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 (4) o 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) 5,520 A. Enter the interest on the tax due. (SA) o B. Enter the total of Line 5 + SA. This is the BALANCE DUE. Make Check Pa able to: REGISTEROFWlLLS,AGENT (58) 5,520 PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS Yes No D~ D~ D~ D~ without receiving adequate consideration? . . . . . . . . . . . . . . . . . . . . . . . . . . .. D [Jg 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? D []g 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. IX] D IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. nder penalties of perjury, I declare that I have exami ed this return, induding accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete. D aration of preparer other th the pe nal rap entatiw is based on all information of which preparer has any knowledge. IG TtRE OF PERSON RE NSIBL F R LING RElU N 1. Did decedent make a transfer and: a. retain the use or income of the property transferred;. . . . . . . . . . . . . . . . b. retain the right to designate who shall use the property transferred or its income; . c. retain a reversionary interest; or . . . . . . . . . . . . . . . . . . . . . . . . . . d. receive the promise for life of either payments, benefits or care? . . . . . . . . . 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death VI U SIGNATURE OF P P RER OTI-fER lHAN REPRESENT A llVE ~,Grf!,~ori ~~ ADD SS f.o. SOl' 8$00 I ~~ [U ~ 1 1 \l11n! millE. 1_~ 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.s 9916 (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. S 9116 (a) (1.1) (ii)) The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disdosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. /70J5 DATE r;f't 101:, (A~P 111(" L PA , 700 I - B 300. 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 P .S. S 9116(a)( 1.2)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5%, except as noted in 72 P.S. 9 9116(1.2) [72 P.S. g9116(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. S 9116(a)(1.3)]. A sibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. 3W4646 1.000 I, I, LAST WILL AND TESTAMENT OF JOYCE C. ZEIDERS BE IT KNOWN THIS DAY THAT, I, JOYCE C. ZEIDERS, of Cumberland County, PENNSYLVANIA, being of legal age and of sound and disposing mind and memory, and not acting under duress, menace, fraud, or undue influence of any person, do make, declare and publish this to be my Will and hereby revoke any Will or COdicill.may have made. ARTICLE ONE Marriage and Children I am single and have no children. ARTICLE TWO Debts and Expenses I direct my Personal Representative to pay all costs and expenses of my last illness and funeral expenses. I further direct my Personal Representative to pay all of my just debts that may be probated, registered and allowed against my estate. However, this provision shall not extend the statute of limitations for the payment of debts, or enlarge upon my legal obligation or any statutory duty of my Personal Representative to pay debts. ARTICLE THREE Residuary of Estate I will, devise, bequeath and give all the rest and remainder of my property and estate of every kind and charader, including, but not limited to, real and personal property in which I may have an interest at the date of my death and which is not otherwise effectively disposed of, to: PAUL E. MYERS, SR. (brother) KENNETH E. MYERS (brother) DEAN E. MYERS (brother) VICKIE SHAFFER (niece) KENNETH J. MYERS (nephew) DOREEN WINCHELL (niece) DANNY T. MYERS (nephew) 10.000/0 10.000,.'0 10.000/0 17.500/0 17.500/0 17.500/0 17.50% If I name more than one person under this Article, such persons are to receive such property per stirpes. with the following exceptions: If Kenneth E. Myers predeceases me, his 100/0 share shall be distributed equally, per stirpes, to Vickie Shaffer and Kenneth J. Myers. If Dean E. Myers, predeceases me, his 100/0 share shall be distributed to my nephew Tim Myers, per stirpes. Signed by TestatorlTestatrix: - I - , , I, ARTICLE FOUR Appointment of Personal Representative, Executor or Executrix I hereby appoint DOREEN WINCHELL and DANNY MYERS, as Personal Representatives of my estate and this Will. In the event my Personal Representatives shall predecease me, or, for any reason, shall fail to qualify or cease to act as my Personal Representatives, then I hereby appoint PAUL E. MYERS, SR. to serve as successor Personal Representative of my estate and Will. The term "Personal Representative", as used in this Will, shall be deemed to mean and include "Personal Representative", "Executor" or "Executrix". ARTICLE FIVE Waiver of Bond, Inventory, Accounting, Reporting and Approval My Personal Representative and successor Personal Representative shall serve without any bond, and I hereby waive the necessity of preparing or filing any inventory, accounting, appraisal, reporting, approvals or final appraisement of my estate. ARTICLE SIX Powers of Personal Representative, Executor and Executrix I direct that my Personal Representative shall have broad discretion in the administration of my Estate, without the necessity of Court approval. I grant unto my Personal Representative, all powers that are allowed to be exercised by Personal Representatives by the laws of the State of PENNSYLVANIA and to the extent not prohibited by the laws of PENNSYLVANIA, the following additional powers: 1. To exercise all of the powers, rights and discretions granted by virtue of any "Uniform Trustees' Powers Law," and/or "Probate Code" adopted by the State of PENNSYLVANIA. 2. To compromise claims and to abandon property which, in my Executor's opinion is of little or no value. 3. To purchase or otherwise acquire and to retain any and all stocks, bonds, notes or other securities, or shares or interests in investment trusts and common trust funds, or in any other property, real, personal or mixed, as my Personal Representative may deem advisable, whether or not such investments or property be of the character permissible by fiduciaries, without being liable to any person for such retention or investment. 4. To settle, adjust, dissolve, windup or continue any partnership or other entity in which I may own a partnership or equity interest at the time of my death, subject, however, to the terms of any partnership or other agreement to which I am a party at the time of my death. I authorize my Personal Representative to continue in any partnership or other entity for such periods and upon such terms as they shall determine. My Personal Representative shall not be disqualified by reason of being a partner, equity owner or title holder in such firm from Signed by TestatorlTestatrix: - 2 - \., participating on behalf of my estate in any dealings herein authorized to be carried on between my Personal Representative and the partners or equity owners of any such partnership or other entity. 5. To lease, sale, or offer on a lease purchase, any real or personal property for I such time and upon such terms and conditions in such manner as may be deemed advisable by my Personal Representative, all without court approval. 6. To sell, exchange, assign, transfer and convey any security or property, real or personal, held in my estate, or in any trust, at public or private sale, at such ti111e and price and upon such terms and conditions (including credit) as m'y Personal Representative may deenl advisable and for the best interest of my estate, or any trust. I hereby waive any requirelnellt of issuing summons, giving notice of any hearing, conducting or holding any such hearing, filing bond or other security, or in any way obtaining court authority or approval for any such sale, exchange, assignment, transfer or conveyance of any real or personal property. ~ 7 . To pay all necessary expenses of administering the estate and any trust -/"" including taxes, trustees' fees, fees for the services of accountants, agents and attorneys, and to reimburse said parties for expenses incurred on behalf of the estate or any trust hereunder. 8. Unless otherwise specifically provided, to make distributions (including the satisfaction of any pecuniary bequest) in cash or in specific property, real or personal, or in an undivided interest therein, or partly in cash and partly in other property, and to do so with or without regard to the income tax basis of specific property allocated to any beneficiary and without making pro rata distributions of specific assets. 9. To determine what is principal and what is income with respect to all receipts and disbursements; to establish and maintain reserves for depreciation, depletion, obsolescence, taxes, insurance premiums, and any other purpose deemed necessary and proper by them and to partite and to distribute property of the estate or trust in kind or in undivided interests, and to determine the value of such property. 10. To participate in any plan of reorganization, consolidation, dissolution, redemption, or similar proceedings involving assets comprising my estate or any trust created hereunder, and to deposit or withdraw securities under any such proceedings. 11. To perform such acts, to participate in such proceedings and to exercise such other rights and privileges in respect to any property, as if she or he were the absolute owner thereof, and in connection therewith to enter into and execute any and all agreements binding my estate and any trust created hereunder. 12. To compromise, settle or adjust any claim or demand by or against my estate, or any trust, to litigate any such claims, including, without limitation, any claims relating to estate or income taxes, or agree to rescind or modify any contract or agreement. 13. To borrow money from such source or sources and upon such terms and conditions as my Personal Representative shall determine, and to give such security therefore as my Personal Representative may determine. All authorities and powers hereinabove granted unto my Personal Representative shall be exercised from time to time in her or his sole and absolute discretion and without prior Signed 'by Testatorrrestatrix: - 3 - \ , authority or approval of any Court, and I intend that such powers be construed in the broadest possible extent. ARTICLE SEVEN Construction Intentions It is my intent that this Will be interpreted according to the following provisions: 1 . The masculine gender shall be deemed to include the feminine as well as the neuter, and vice versa, as to each of them; the singular shall be deemed to include the plural, and vice versa. 2. Testatrix. The term "testator" as used herein is deemed to include me as Testator or 3. This Will is not a result of a contract between myself and any beneficiary. fiduciary or third party and I may revoke this Will at any time. 4. If any part of this Will shall be declared invalid, illegal, or inoperative for any reason, it is my expressed intent that the remaining parts shall be effective and fully operative and it is my intent that any Court so interpreting same construct this Will and any provision in favor of survival. ARTICLE EIGHT Misc. Provisions I direct that this Will and the construction thereof shall be governed by the Laws of the State of PENNSYLVANIA. it in the presence of who attested , 2004 at (address), declare O~4! t2 Cly ~j~~4.l ~Yc;g C. ZEIDEW T estatorrr estatrix ' Will of JOYCE C. ZEIDERS was declared by our view and gr sence to be his/her Will and was .bed by the said u..... e- in our view and re~ . as and in e view and presence of ., · . (' and in the vie nd presence of each other, we, the undersign d, witnessed jJ~e due execution of the Will of JOYCE C. ZEIDERS on this the J. I AJ: day of ~ ' 200)1 / cr}'m.hl~. ~ d/~ T estatorlT estatrix: - 4 - ~ , Signed b Testator/Testatrix: !Zd~~~- Witness Signature Print Name: ~LIM //)hJhU.lJ.i;, , Address: "1.1.1 Lh.".(9/",1~ ~. City, State, Zip: /Jl~A., ~1. /-7~rb - 5 - PENNSYLVANIA SELF AUTHENTICATING AFFIDAVIT common~ia County of ~ I, JOYCE C. ZEIDERS, the testator/testatrix whose name is signed to the attached or foregoing instrument, having been duly qualified according to law, do hereby acknowledge that I signed and executed the instrument as my Last Will; and that I signed it willingly and as my free and voluntary act for the purposes therein expressed. Sworn to or affirmed and acknoWled~ me by JOYCE C. ZEIDERS, the testator/testatrix, this ..:1'.A:t:aay of ~ ,2004. \ TestatorlTestatriJ rl. ..A. r2... Typed Name JO . C. EIDERS Signature of officer or attorney Seal and official capacity of officer or state of admission of attorney NoIariaI Seal Jean M. Sn)QM', Notary Pubic ty My Co........... Expns Apr. 25. 2007 Member. Pennsytvania Association Of Notaries common~a County of We, gUA. >-J'YJ . ~h,~ and att- /IJ~,b~ , the witnesse . whose names are igned to the attached or foregoing instrument, being duly qualified according to law, do depose and say that we were present and saw the testator sign and execute the instrument as his Last Will; that the testator signed willingly and executed it as his free and voluntary act for the purposes therein expressed; that each subscribing witness in the hearing and sight of the testator signed the will as a witness; and that to the best of our knowledge the testator was at that time 18 or more years of age, of sound mind, and under no constraint or undue influence. and 20D ubscribed ~efore me by ~ tvo- ~} .~ . , Witnesses, thiS ~day of , Seal and official capacity of officer or state of admission of attorney Signature of officer or attorney NoIariaI Seal e.t ~18bu.o Twp..'Qmbertand County My Ca...Wo,. , Expires Apr. 25. 2007 Member, Pemaytvania Association Of Notaries ~ , ADDENDUM TO WILL I, Joyce C. Zeiders, request that the following items listed be distributed to the individuals designated at the time of my death. Paul E. Myers - Vehicle I currently own & picture in dining room of Myers children Danny T. Myers - Two snow blowers Doreen E. Winchell - Antique cherry drop leaf table & antique sewing machine Victoria F. Myers - Diamond ring - 4 diamonds in square plus 1 diamond on each side Victorious D. Shaffer - Ladies engagement ring and wedding band that I currently wear Kenny D. Myers - Son of Danny T. Myers - Sears riding lawnmower & lawn boy mower Jaclyn E. Winchell - My dog, Princess and $1,000.00 r'? ~ 7/'1It'B Date ~t~Ar Witness 7 - 1('~()6-' Date a0~ ~L~~ ./ . ~ ~ ' l-tr"(./ !/ 7/~'J,I WItness Date J . , I, Joyce C. Zeiders, gave the following persons, Ken & Becky Myers, the item listed below, upon their request on June 30, 2005. Ken & Becky Myers - Radio GE Model No. 7-4100JA, Serial Nun1ber 444695, Date Code 1013, which was given to me for Christmas approximately fifteen years ago ) .' 7 !c;/os- Jo Date ~J!Jr Witness 1- Lf- {/ :? Date I, REV-1502 EX + (6-98) SCHEDULE A REAL ESTATE COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER JOYCE ZEIDERS 21 05 0804 All real property owned solely or as a tenant In common must be reported at fair market value. Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller. neither being compelled to buy or sell, both having reasonable knOlMedge of the relevant facts. Real property which Is Jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM NUMBER 1. DESCRIPTION VALUE AT DATE OF DEATH 80,000 RESIDENCE 109 ~T STREET WEST FAIRVIEW, PA 17025 SEE ATTACHED APPRAISAL 3W46951.000 TOTAL (Also enter on line 1, Recapitulation) (If more space is needed, insert additional sheets of the same size) $ 80,000 , , S. W. Barrett Real Estate & Appraisal Services Fit No. 05-0736 APPRAISAL OF LOCATED AT: 108 Market Street West Falrview, PA 17025 FOR: Doreen Winchell 27 WHt Main street Mechanlcsburg, PA 17055 BORROWER: Estllte of Joyce C. ZEIDERS AS OF: December 19, 2005 I . I BY: Ca..andr. J. Crockett l , S. W. Barrett Real Estate & Appraisal ServicC!s File No. 05-0736 01/0312006 Doreen Winchell 27 W..t Main Street Mechanlcsburg. PA 17055 File Number: 05..0736 In accordance with your request. I have personally inspected and appraised the real property at: 109 Market Street West Falrvlew. PA 17025 The purpose of this appraisal is to estimate the market value of the subject property. as improved. The property rights appraised are the fee simple interest in the site and improvements. In my opinion, the estimated market value of the property as of December 19. 2005 is: $80.000 Eighty Thousand Dollars The attached report contains the description, analysis and supportive data for the conclusions. final estimate of value. descriptive photographs. limiting conditions and appropriate certifications. Respectfully submitted, ~ 9 .tJ~cCJLII- j/ Cassandra J. Crockett Certified Residential Appraiser j, p o I tl SUMMARY APPRAISAL REPORT UNIFORM RESIDENTIAL APPRAISAL REPORT FiI N 05-G736 rop.rtv .SCrlDI on e o. I Property Address 109 Market Street City West Falrview State PA Zip Code 17025 I Leaal Description Deed Book 22-Z: Paae 921: Borouah County Cumberland , ',ssor's Parcel No. 45-17-1044-247 Tax Year 05106 R.E. Taxes $ 1 396.00 SD8Ci81 Assessments $ N/A ,'ower Estate of Jovce C. ZEIDERS Current Owner Jovce C. Zeiders Occuoant: I ] Owner [ ] Tenant Ix] Vacant ~ rinhts aopraised r xl Fee Simole Leasehold I Proiect Tvoe T T PUD Condominium (HUON A only) HOAS N/A /Mo. Neighborhood or Project Name East Pennsboro Two MaD Reference 17-1044 Census Tract 0103.00 Sale Price S N/A Date of Sale N/A Desaiotion and $ amount of loan charaeslconC8SSions to be paid by seier NI A Lender/Client Doreen Winchell Address 27 West Main Street Mechanlcsbura, PA 17055 Aopraiser Cassandra J. Crockett Address 126 North Hanover Street Carlisle. PA 17013 location ~ l.Jrban ~ SublJ'ban - Rural Pr.dominant Slngl. family housing Praent land UN % Land us. chang. Built up ~ Over 75~ 25-75% Under 25% occupancy PRICE AGE One family ~ B Not likely 00 Ukely :- - --- S (OlIO) (~) Growth rate _ Rapid ~ Stable - Slow !. Owner ~Low~ 2-4 family --'!!. In process Property values JS. Increasing :- Stable _ Declining i- Tenant 126 Hiah 100 ~~ To: Residentiall Demand/supply _ Shortage JS. n bBIIn:e _CNersWf ~ VPrt(O-6%} Predominant Commercial 15-1. Commercial Marketino time Under 3 mos. X 3-6 mos. OVer 6 mos. v... 1_ 5%\ 80 70 Indstrl ) 50/. Not.: Race and the racial composition of the neighborhood are not appraisal factors. Neighborhood boundaries and characteristics: On the north bv 1-81' on the east bv Susauehanna River' on the south by Wormlevsbura7 and on the west by Rts.11/15. Factors that affect the marketability of the properties in the neighborhood (proximity to employment and amenities. employment stability. appeal to market. etc.): Sublect property is located In an estabUshed nelahborhood of homes both detached and attached, within the Borouoh of · West Fairvlew and adjacent to the Susauehanna River. ShoDDlna and other amenities are within walklna or short drlvino distance. School sYStem Is East Pennsboro District and students are bused. SMSA 42-3240. Market conditions in the subject neighborhood (including support for the above conclusions related to the trend of property values. demand/supply. and rnarlteting time - - such as data on competitive properties for sale in the neighborhood, description of the prevalence of sales and financing concessions, etc.): Prooerty values are currentlv stable with an averaae marketlna time of 80-100 daw. Economic trends and lendlna rat.s have remained favorable. Sales concessions occur InfreauentlY. There are new homes under construction In surroundlna develoDments as well as resales available within the nelahborhood. Project Information for PUD. (If applicable) - -Is the developer/builder in control of the Home Owners' Association (HOA)? UYES DNO Approximate total number of units in the subject project N1A Approximate total number of units for sale in the subject project N/A Describe common elements and recreational facilities: N1A Dimensions See leaal description/tax maD Topography Level to sloDlna Site area .16 Acre MIL Comer Lot 00 Yes 0 No Size Typical for area specmc zoning dasslltcation an~IPlion R-1 Residential Slnole FamilY Shape Irreaular Zoning oompllance 00 Legat LegalIlClIc...m.tillQ (Gfalldfathered U81) 0 Illegal o No zoning Drainage ADD8IIrs adeauate Highest & best use as improved: X Present use n Other use (exolain\ View Resldentlal/Rlver Utilities Public Other Off-slte Improvements Type P~ ~te Landscaping TYDlcal Electricity :! 150 AmD Street Asohalt !. - Driveway Surlace Asohalt Gas X Curb/gutter Concrete !. - Apparent easements None Apoarent Water Sidewalk Concrete !. - FEMA Special Flood Hazard Alea ~ Yes U No Sanitary sewer X Street lights Adeauate !. - FEMA Zone B Map Date 2/1611977 Storm sewer X AIlev To side X FEMA Map No. 420373 B Comments (apparent adverse easements. encroachments. special assessments. slide areas, illegal or legal nonconforming zoning, use, etc.): There are no aooarent adverse easements encroachments or other adverse conditions. Site overlooks the SUSQuehanna River boat ramp. GENERAl DESCRIPTION EXTERIOR DESCRIPTION FOUNDATION BASEMENT INSULATION No. of Units One Foundation Block Slab None Ales Sq.Ft. 1440 ~~~ No. of Stories One Exterior Walls Aluminum 0aW~ None " Finished 0% Type (Del.lAtt.) Detached Roof Surface Shlnalersno", Basement Full Ceiling Unfinished Walls _ X Design (Style) Mobile Hm Gutters & Dwnspts. Aluminum $urJ'1) ~ None. Walls Block Floor _ Existing/Proposed Existlna Window Type Sliders Dampness None Obs. FIoa' Concrete None _ Age (Y~.) 37 Yrs Storm/Screens Thermal. Settlement None Obs. 0utQ Entry Ve. · ~- -"",ctive Aae (Y~.) 15-20 Manufactured House Yes Infestation None Obs. · Throuah Garaae JMS Fover livina Dining Kitchen Den FamilY Rm. Rec. Rm. Bedrooms # Baths Laundrv Other Area SQ.Ft. . Baaement Level 1 1 1 1 3 2 Area 1440 level 2 Finished area above oralie contains: 6 Rooms' 3 Bedroom s\: 2 Bathis): 1 440 SQuare Feet of Gross livina Nel INTERIOR Materials/Condition HEATING KITCHEN EQUIP;- ATTIC - AMENITIES CAR STORAGE: Cal'))etIVJ nvl FHA - None 0 Floors Type Refrigerator ~ None - Fireplace(s} # _ - Walls Panel Fuel 011 Range/Oven ~ Stairs - Patio - Garage tI of cars Trim/Finish Comoosltlon CondIIonAveraae Disposal ~ Drop Stair i Deck - Attached Bath Floor Caroet COOLING Dishwasher - Scuttle ~ Porch Two ~ Detached Bath Wainscot Panel/Fbrals Central Yes FanlHood ~ Floor - Fence Chain Link ~ Buil-ln 1 Doors Wooden/Metal Other None Microwave ~ Heated - Pool ... Carport Averaae Condition CondIIonAveraae WasherlOrver Finished Drivewav 1/Pvd 'ltIonal features (special energy efficient items, etc.): · Some reDlacement windows Installed: kitchen ha been recentlv uD-dated .Jollances replaced: coal furnace ducted Into he.tlna sYStem as sUDDlemental heatlna. Condition of the improvements, depreciation (physical, functional, and external), repairs needed, quality of construction remodeling/additions, etc.: Sublect Drooertv Is In averaae condition with no Dhvslcal or functlonallnadeauacles aDDarent. Adverse environmental conditions (such as, but not limited to, hazardous wastes, toxic substances. etc.) present in the improvements. on the site, or in the immediate vicinity of the SUbject property: No adverse environmental conditions are aDDarent/dlsclosed. PAGE 1 OF 2 ~ ....ACI.....1lIll.23U727 _....._ F.... .... Farm 1004 ~1I3 l__FteddIe MIc Farm 10 6-113 . , Valuation Section SUMMARY APPRAISAL REPORT UNIFORM RESIDENTIAL APPRAISAL REPORT File No. 05-0736 I ESTIMATED SITE VALUE. . . . . . . . . . . . . . . . . . . . . . . . . . . · S 35.000 Comments on Cost Approach (such as, source of cost estimate. ESTIMATED REPRODUCTION COST-NEW OF IMPROVEMENTS; site value, square foot calculation and for HUD, VA and FmHA, the 'lling Sq.Ft. @$_ = $ estimated remaining economic life of the property): Sq.Ft. @$_ = Cost ADoroach rfrom Marshall/Swift Valuation Service = handbook and local cost analvals1 was considered but GngeICarport _Sq.Ft. @$_ = deemed not credible due to the aae of the Total Estimated Cost New .. . . . . . . . . . . . . . . = $ Imorovementa. Site value from Market Data. ~ ~I Funct~all External Est. Remaining Econ. life: DeDreclatlon baaed on aaelllfe observed condition and = $ Market Data Analvals. estimated remalnlna Economic Depreciated Value of Improvements . . . . . . . . . . . . . . . . . . . = $ Ufe Is 30-35 vears. "A$-js" Value of Site Improvements. . . . . . . . . . . . . . . . . . . = $ INDICATED VALUE BY COST APPROACH. . . . . . . . . . . = $ N/A ITEM SUBJECT COMPARABlE NO.1 COMPARABLE NO.2 COMPARABLE NO.3 109 Market Street 106 Wayne Avenue 708 Wertzvme Road 230 Pennsylvania Avenue Address West Falrvlew Enola Enola West Falrvlew Proximity to Subject 2.5 MI NNW 1.3 MI NW 0.65 MI WNW Salts Price S N/A S 65.000 $ 80 000 $ 40 000 Price1Gross liv. AIea S 0.00 ltJ S 67.71 ltJ $ 47.62 ctJ $ 51.28 ltJ Cata and/or Inspection Verfication Sources Deed/erths.Rec. Courthouse Records Courthouse Records Courthouse Records VALlE AO.AJSTM:NTS DESCRIPTION DESCRIPTION I + (.\ $ AdIuIInwnI DESCRIPTION I + {-\ S AdiuIIrnd DESCRIPTION I +(-)$AIIuIlnM Sales or Financing NJA None,Conv I None,Conv None,Conv I Concessions Data of Sale/Time NJA 5104 5% : 5.146 8104 5% : 6000 2/04 5% : 3667 Location Averaae Averaae Averaae Averaae l.eBt'difee SiTDe Fee Slmole Fee Slmole : Fee SlmDle : Fee Slmole : Site lot/Ava r.161 lot/Ava r.351 : Lot/Ava r.241 : Lot/Ava r.291 : View Resld/Rlver Re.'dent'al : RealdlHlahwav I ResldlHlahway n"sian and Appeal MobUe Hm Double Wide MH : Doubl. Wide MH : Slnale Wid. MH : IN d 0:nlInd:ln Ava/Aluminum Ava/Frame : AvaMnvl : Ava/Aluminum : lAlle 37 Yrs 24 Yrs -5 000 15 Yrs -10.000 38 Yrs Condition Averaae Averaae : Averaae : Averaae : Above Grade TcMI I 8ctmI ' 8IlIII TCll8I ' BItn I 8IIha : TClIII I IlG'mI I BIIhI : TCll8I ' IIctmI ' 8.... : Room Count 30 6: 3: 2.00 6: 3: 1.00' 2,000 5: 3: 2.00: 5: 3: 1.50' 1,000 Gross livina Area 1 440 Sa.Ft. 960 So.Ft. : 14400 1 880 Sa.Ft. : -7.200 780 Sa.Ft. : 19 800 Basemant & Fnished Partial Bsmt/ Slab 7,000 Slab 7,000 Full Bamt/ Rooms Below Grade Unfinished Unfinished . Functional UtilitY Averaae Averaae : Averaa. Averaae : Heatina/COOting OFHAlCA HP/CA : OFHAlCA : OFHAlCA : Energy EIriciart Items Tvolcal Twlcal TVDlcal Twlcal G 1 C Intarl. Gar. OSP : 3.000 OSP : 3000 2 Car Garaae : -3 500 Porch, Patio. Deck, Porches! Patio/Shed 4,000 DeckslFP 2,000 Porch/Patio 2,000 F'I'tDlaC8l's). etc. Shed/Fencl no Fence Pool etc. None None : None : None : : : : Net Adi. (totaO fxl + f 1- 's 30.548 fx + fl. '$ 800 [xl + l J- '$ 22 987 Adjusted Sales Price Gross: 82.4% Gross: 44.0% Gross: 74.1% of Comparable Net: 47.0% $ 95 546 Net: 1.0% S 80 800 Net. 57~4:%. S 62 967 Comments on Sales Comparison (including the subject property's compatibility to the neighborhood. etc. ): All comDarables are similar In stvle utllltv. and location to the sublect Drooertv. are verified closed sales and are the best currentlv available. Limited sales of mobile hom.. on their own site have rec.ntlv occurred reaulrlna an exoanded search. Annual adlustm.nt taken at 5% for sales over one vear. Adjusted ranae of value Is $82 000 to $98 000 sav 180.000. ITEM SUBJECT COMPARABLE NO. 1 COMPARABLE NO.2 COMPARABLE NO.3 1, Price and Data ..rat fa' prU sales None None None None wIhi1 Y8II' d 8IXIaisaI Deed/Crths.Rec. Courthouse Records Courthouse Records Courthouse Records Analysis of any current al1"ment of salt. option, or listing of the subject property and analysis of any prU salas Ii subject and comprnbIes wtili1 one V- d the date ri appraisat No recent recorded sales were found. INDICATED VALUE BY SALES COMPARISON APPROACH. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 80 000 INDICATED VALUE BY INCOME APPROACH (If ArdcabIe) Estlmeted Ma1cst Rant S N/A 1\40. x Gnlss Rert Mulder lfl.A z S N1A This appraisal Is made 00 "as is" 0 subject to the I1IpIis. abnItiIna. ilIpections ex oondIiona IisI8d bebw 0 subjIa to ~ per plIns and specfIc:atilns. CondIlonsdAppraisal: The DrOD8rtv has been aDDralsed In current condition. This aDDralsalls for client only. nontransferable. Sae attached addendum. Final Reoonclliation: Market Analvals conslstentlv SUDDOrts mv estimated market value. Cost ADDroach and GRM analvsls were found InaDMoorlate for this analvals. Greatest welaht Is aoalled to the Market Data Analvsls. SUDDOrtlna flle Information substantiates these estimates. !h' purpose of this appraisal is to estimate the market value of the real property that is the subject of this report, baud on the above conditions and the CBtIicItion. oontilgent 4 limiting conditions, and market value definition th8t In stated in the attached Freddie Mac Form 439t'F1IrVlie ..... Form 10048 (RevIled ). ,-'IE) ESTIMATE THE MARKET VALUE. AS DEFINED. OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT. AS OF 12/19/2005 (WHICH IS ntE DATE OF INllPEC11<lN AND THE EFFECTIVE DATE OF1HIlI ~~ ~. (iJCld Not APPftAI~ ~ a iI= 8U cory '$ OOid SiQnature j <P~~.l.A./J gC~ s-:::::"'" Name Cassandra J. Crock Name Stev.n W. Barrett. SRPA. SRA Inspect Property Dete Report SiQned 01/0312006 Date ReDOrt Sianed 01/0312008 State Certification.. RL-001348-L State P A State CertIfIcation" GA-000298-L State PA Or State license .. State Or State license t RB-028921-A State PA FrwddIe WIc Farm 10 6-83 t;ertlfled ReSidential PAGE 2 OF 2 Cenlflea \janeral Appraiser F........ Farm 1004 8-llJ L~ralser _ _ ,.,.,.". ...... ACt....... loonum _......_ __~teven W. Barrett R.ELADDl".cSV~_ I, SKETCH/AREA TABLE ADDENDUM File No ~73& Pro Address 101 Market Street ''!Y w.t Fairview SorrO\Wf Estate of Joyce C. ZEIDERS L.anderlClent Doreen 'Mnchell Appraiser Name Caa..-uira J. Crockett County Cumbert8nd State PA Z' 17021 ~ Addr~27 ~!~n ~~~...lcsbu_rg, PA 1705& Appr Address Bedroom s..lIOOIl1 ----I r=-~ _=-J ~ Bath r~ POR:h I i b 01 i ~j ....'n.h~..'...._. D--l 0\ 8.0' Pore\'! ........----..-..... ~i ~ - Kitchen 1. - -- ..... 0-" 8.0' Living Room 24.0' Comments: Sca": 1-12 AREA CALCULATIONS SUMMARY LIVING AREA BREAKDOWN Cod4t DHc:rtptlon Size To.... llrulcdown SUbto.... CJLA1 rust rl.OOJ: lUO.OO U40.00 ri.rat. rloor PIP Pox'ch 128.00 24.0 x 150.0 1440.00 ~rch 128.00 256.00 I , I I I I TOTAL LIVABLE (rounded) 1440 11 Area Tolal (rounded) 1440 "'"Ell SOflWAIIl!....._ ......' QO.w ,.....11 Borrower: estate of Joyce C. ZEIDERS Prooertv Address: 109 Market Street City: West F.'rvlew Lender: Dor.... Winchell State: PA Zip: 17025 FRONT VIEW OF SUBJECT PROPERTY Appraised Date: December 19, 2005 Appraised Value: $ REAR VIEW OF SUBJECT PROPERTY STREET SCENE I, Borrower: Estate of JoyCe C. ZEIDERS Property Address: 109 Market Street City: West Falrvlew Lender: Doreen Winchell State: PA I' " '.... '-:--...::. - -.. -.~ ~ --" --, - ~-~" ~ -~..... ~. ...._~ '.: File No.: 05-0736 Case No.: Zip: 17025 ----- ~ a ~ ~ ~ i co ... ~ (:) ~ cD ~ Q) .... ~ ,. ~ .... CD !. -4 C (0 ~ D) ~ o ~ ..... CJJ 8 (J1 -0 -0 ~ -0 "2. I>> ~ 3t s>> - -"' (") \.~ "'" a S ~ \!! ~~e.e.(/) C/I ~. ;... (") ~;"'A)~~ or ~ ~ "2. s; "... 0- ~ :) g35~~ (O"::\'::\~." al (0 ~ ~ c; ~ 0 ....." ." C. ...J , \J I. LOCATION MAP Borrower: Estate of JOYce C. ZEIDERS . Prooertv Address: 109 Market Street ;ty: West Falrview L.ender: Doreen Winchell File No.: 05-0736 Case No.: State: PA Zip: 17025 f i ~R" \L l-tl Prepared by. Stevenw. BarrellR.E. Appr. s~. (717) 243-6646 liD Addr... Date Prlc. RM BR Bath SaFt Proxlrnlty S 109 MAIUCJ:'l" S'l' .fA 'II/A 6 3 2 14..0 0.00 MI 1 101 WAYJII: AV S/04 S:~ 6S000 6 3 1 960 2.5 N1 _ 2 708 IIDTZYXL1.B IU) 6104 5111 80000 5 3 2 1680 1.3 HI n 3 230 PEIOISnVAHIA AV 2/04 5:~ 40000 5 3 1.5 780 0.65 HI .... 'I pLAT MAP F\\e No:. 05..0136 Case No.: 13. : 17025 State.. PA '. \ I \--r-\~ \ '\ \. ~~ \ ~\ ~\ ~\ \\) \ ~i ~0\ \ ,~>"""\\ ___I 1./'\../\ \. ~ - \ '/' '\', ~~"" 'X~'" . ~. 'v..x.,",,- '~" ~ ' /5/~' ~ \~,~ ~ / :2:' \ \ \ \ , , , Flood....' Legend ftOOd zoc-.s - -- ~ "".,..,....... ,.. ~ fI- ".. ......,............ - _.........,.-..- ~ _.........,.-..----- .. ~... - .--...--- ,... "............-............--- - -...--" ..,,,-....... I I \ ) \ ~ \ /./ \ . " ' . ~'Col' ~ ~ vttfJ'Y &s. . ~.~\ \, ~ r \ '. \ ~ ,,'/ \, / I ~' \~ r Y -t:' \)1 '(~ . )X \ L/~- x:::.//....... \ . ,,- ~ /---^...., 'v" N~~ r' '-- "- \ -"-". / ",- ,J ~/ >- / ......./ \ /'..,/ / \ jY.... /'../ //', ~ ,../ .....'\A ^ ""'- ./)....~ ,/....... / '"'-. /' ~ / ".Y, ...... (,/ \/"'\\ ,/' /~ /\ J'''') I......' ".(.y , . / y' '" ,,)',,'''' ?' /"Y~ /' j::A / / \, r'- ,.// /" ~., flOOdlltf.....on .,.,...-' _TO....,esT f,.fMf!II, .OROUOH Of ~y is nGt in . f~speoiII ftoOd h.-d area. ........... is _ __ .. . f_....... ftOOd .-0 _. _ __ co:rn llIIO" - ...' 11"18,,011 .....' llIIO" flps: -' z--: B _--- floOd -" c.......-. (tf1tC)"'" JIIl'-- ~ '" --...., pIIlf -.,...-.... --, -- '" ~ ......l\aOlI.............-.., ~ of ~ '" _ for' ,__~' - TfHC "'" JIIlI...-.... -...... l\aOlI....... - __ _.,.ay to __ pIIlf ....- - '" - of .. iIoOd~' I, File No. 05..0736 ********* QUALIFICATIONS uuu.u :";. ! The following checked Items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the Inspection of the subject property, the com parables sales, and their neighborhoods and locations. Unless otherwise noted. the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET VALUE OR THE FUTURE MARKET ABIUTY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home Inspection servlc~. This is an appraisal to estimate market value. _1. The subject Is located In a rural area and Is less than 25% built-up. l~ .'Ii _x_2. Commercial/Industrial uses are located within the subject's neighborhood. These uses are typical of similar 1" neighborhoods. '.~' _3. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for the area. ~ ~ '4, i :1~ -I~ _4. The predominant value In the neighborhood Is Ie.. than that of the market value of the subject property. This Is due to the very wide range of value of propertle.ln the area and superior quality of the subject property. ":', ~ ,. l ~ ;:,. _x_5. The subject property Is located In a F.E.M.A. Identified Flood Zone. Flood Insurance coverage Is required and suggested. _8. Dampness Is noted In the basement of the subject. Standing or running water was not present on basement floor. This condition Is considered typical In dwellings of this style. _7. The subject property Is serviced by private well and/or septic systems which Is common for the area. , j~ ! ~, ~:- ? _x_B. The subject is older than five(5) years. All mechanical systems Including the heating, electrical and plumbing systems appear upon a visual exterior Inspection to be in working order. No warranties are Implied In this statement. _9. Repair Items were noted In the comments section of the report. These comments on repair items are for descriptive purposes only and are not required repairs. The Items listed are cosmetic In nature. _10. The b..ement floor Is a dirt floor. This condition Is common and typical for the area. and does not pose a health or safety hazard. i _11. The subject property does contain functional obsolescence as noted In the report. This condition Is considered typical and common for the area and this style dwelling. :, _x_12. The land value exceeds 30% of total value due to the high demand for vacant land In this neighborhood. This condition is considered common and typical for the neighborhood. _13. The land value exceeds 30% of total value. This Is due to the large size of the site. This condition Is considered to be typical and common. ~ _x_14. Individual adjustments were required that exceed 15%. These adjustments were required due to lack of more similar com parables on that Individual rating. All com parables used are the best available. _x_iS. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the subject's market area. All comparables used are the best available. _x_18. One or more comparable sales are older than six(6) months. Although there are comparable properties In the subject's area, none have sold recently; therefore, sales in excess of slx(8) months have to be used. All comparable. used are the best available. _x_17. One or more com parables used were In excess of one (1) mile from the subject property. Although there are comparable properties In the Immediate area, none have sold recently. Therefore, It was nec_ary to use comparable sales outside of the Immediate area. All com parables used are located In similar neighborhoods and within the same marketing area. All comparables used are the best available. _18. The electrical system was not connected during Inspection. _19. The water service was not connected during Inspection. _20. The heating system was shut down during Inspection. _21. Roofinsa-Plumbln9-Electrlcal_Heatln9-certlflcatlon(s) Islare suggested. _22. Inground swimming pool-, out buildings_are Included-,not Included_according to lender's guldeUn... _23. According to lender's guldeUnes a maximum of_acres were considered for this valuation. Remaining acreage was given no value. \, File No. 05-0736 ...uuuu QUALIFICATIONS UU4UU _24. The subject property is located on a private road. _25. Wood Infestation inspection is suggested. _x_26. Last recorded deed transfer: Date_11/1411968-, Consideration: $1.00_. _27. Proposed construction/renovation In accordance to plans and specifications to be completed In a workman-ilke manner. _28. Seller Is paying part or all of closing costs. _x_28. All comparable sale8 are verified closed sales. _ _x_30. There are no special conditions or other requirements that would affect market value or future marketability in the Appraisal Report. CHECKED ITEMS ARE SPECIFIC SPECIAL CONDITIONS THAT WERE IDENTIFIED BY THIS APPRAISER DURING INSPECTION. \. File No. OS.Q136 DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale. the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he considers his own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions. granted by anyone associated with the sale. . .Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the Appraiser's judgment. STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is subject to the following conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The __ appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of it being under responsible ownership. 2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and 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. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied. regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand. 5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other apprais," 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, the presence of hazardous wastes, toxic substances, etc. ) observed during the inspection of the subject property or that he or she became aware of during the normal research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden or unapparent conditions of the property or adverse environmental conditions (including the presence of hazardous wastes. toxic substances, etc. ) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied, regarding the condition of the property. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment of the property. 7. The appraiser obtained the information, estimates. and opinions that were expressed in the appraisal report from sources that he or she considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such items that were fu'nished by other parties. 8. The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional Appraisal Practice. 9. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repars, or alterations on the assumption that completion of the improvements will be performed in a workmanlike manner. 10. The appraiser must provide his or her prior written consent before the lender/client specified in the appraisal report can distribute the appraisal report (including conclusions about the property value, the appraiser's identity and professional designations, and references to any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the mortgagee or its successors and assigns; the mortgage insurer; consultants; professional appraisal organizations; any state or federally _ approved financial institution; or any department, agency, or instrumentality of the United States or any state or the District of Columbia; except that the lender/client may distribute the property description section of the report only to data collection or reporting service(s) without having to obtain the appraiser's prior written consent. The appraiser's written consent and approval must also be obtained before the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media. Freddie Mac Form 439 6-93 Page 1 of 2 Fannie Mae Form 1004B 6-93 File No. 05-0736 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 more favorable than. the subject property I I have made a negative adjustment to reduce the adjusted sales price of the comparable and, if a significant item in a comparable property is inferior to. or less favorable than the subject property, I have made a positive adjustment to increase the adjusted sales price of the comparable. 2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the appraisal report. I have not knowingly withheld any significant information from the appraisal report and I believe. to the best of my knowledge. that all statements and information in the appraisal report are true and correct. 3. I stated in the appraisal report only my own personal, unbiased. and professional analysis. opinions. and conclusions. which are subject only to the contingent and limiting conditions specified in this form. 4. I have no present or prospective interest in the property that is the subject to this report. and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base. either partially or completely, my analysis and/or 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 or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the subject property. 5. I have no present or contemplated future interest in the subject property. and neither my current or future employment nor my compensation for performing this appraisal is contingent on the appraised value of the property. 6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party, the amount of the value estimate. the attainment of a specific result, or the occurrence of a subsequent event in order to receive my compensation and/or employment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation, a specific valuation. or the need to approve a specific mortgage loan. 7. I performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the effective date of this appraisal, with the exception of the departure 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 the marketing time noted in the neighborhood section of this report, unless I have otherwise stated in the reconciliation section. 8. I have personally inspected the interior and exterior areas of the subject property and the exterior of all properties listed as comparables in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject improvements, on the subject site, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustments for these adverse conditions in my analysis of 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. 9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on significant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal report. I have named such individual(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 not authorized anyone to make a change to any item in the report; therefore, if an unauthorized change is made to the appraisal report, I will take no responsibility for it. SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report. he or she certifies and agrees that: I directly supervise the appraiser who prepared the appraisal report. have reviewed the appraisal report, agree with the statements and conclusions of the appraiser. agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking fuU responsibility for the appraisal and the appraisal report. ADDRESS OF PROPERTY APPRAISED: 109 Market Street. West Falrvle~. PA 17025 SUPERVISORY APPRAISER (only if required) ~: <~TLIJ Name: Steven W. Barrett. SRPA. 8RA Date Signed: 01/03/2006 State Certification #: GA-QOO298-L or State License #: RB..Q26921-A State: PA Expiration Date of Certification or License: 0613012007 o Did (X) Did Not Inspect Property APPRAISER: ~bn: t1u~<<--).r?-JidI- Name: Cassandra . Crock. Date SIgned: 01/0312008 State Certification #: RL-001348-L or State License #: State: PA Expi'ation Date of Certification or license: 06130/2007 Certified Residential Appraiser Freddie Mac Form 439 6-93 Certified General Appraiser Page 2 of 2 Fannie Mae Form 100486-93 I, I REV-1503 EX + (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF SCHEDULE B STOCKS & BONDS FILE NUMBER JOYCE ZEIDERS 21 05 0804 All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM NUMBER 2 , 013 . 84 Shares DESCRIPTION 1. AXP DIVIDEND OPPORTUNITY FUND CLASS A (INUTX) 2 3,050.99 Shares AXP MANAGED ALLOCATION FUND CLASS A (IMRFX) VALUE AT DATE OF DEATH 15,185 30,342 3 7,933.5 Shares AXP TAX EXEMPT BOND FUND CLASS A ( INTAX) 31,099 4 34,058.523 Shares AXTP HIGH YIELD TAX EXEMPT FUND CLASS A ( INHYX) 152,412 3W4696 1.000 TOTAL (Also enter on line 2, Recapitulation) $ (If more space is needed, insert additional sheets of the same size) 229,038 \, Pl . c... Q M 5 I .... ,.. c:a.. 0 ""=g .... . t Ii lID. ~ ... ... .. ! . I u ... I p I ~ 2: 10 ~6 ~ ~ I !l I 2: !I II I II i J i ~ ! J , J I c w w I!! ~ ~ z I f ~ ~ S Ii Q. i: i i i i ! ~ ! i ~ i i w au w d a a t i I I I c ... a 00 . = lI'J = c 1 0 0 0 II Ii . lI'J a: II IiI .. CL 13 I c Iii oat II ~E; ~; c ii: II. :I c ft CD ~ .e i I g i I ., lilt ~ .a ~ ~ .!t l! ~ .! ~ Ii ~~ ~! I · z V') 8 ~ ~ 1 1 I t!t j ~ i IJ I ~ ! fa j ~ I U I! 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Dow +0.090/0 Nasdaq +0.2' To track stocks & Quotes & Info Enter Symbol(s): e.g. YHOO, ^DJ! AXP Dividend Opportunity A (INUTX) I Flat Rate $10.99 f Ilntemet equity trades ~k I ODen an Account Now at Ameritrade [gQ,1 Symbol Lookup I Finance Sear< On Jan 6: 7.68 .1' , , -s! Start now Historical Prices Get Historical Prices for: . n ... .....I~9f SET DATE RANGE Start Date: @ Daily Weekly o Monthly o Dividends Only Eg. Jan 1, 2003 End Date: {.. '~~~>...E? ri,~~ .....1 .);,n".. ..' .....,............... . J First I Prev I Next I Last PRICES Date Open High Low Close Volume Adj Close* 6-Sep-05 7.57 7.57 7.57 7.57 0 7.51 2-Sep-05 7.51 7.51 7.51 7.51 0 7.45 * Close price adjusted for dividends and splits. First I Prev I Next I Last ~ Download To Spreadsheet A "-J (ttQ ~ ~ P(t.1 t g. ( I. <;7+ 7. S I) / Z 1,S'i 2013. f,Lf SHAltlS .--- I ~ )C;~ http://finance. yahoo .com! q/hp ?s= INUTX&a=08& b=2~c=200 5&d=08&e=6&f=2005 & g=d 1/9/2006 IMRFX: Historical Prices for RIVERSOURCE STRATEGIC ALLOCATI - Yahoo! Fina... Page 1 of2 Yahoo! My Yahoo! Mail Search the Web bHootFINANCE .Slg.llnl_o New User?SignUQ Fimm_c..e.nHQmne - Help Monday, January 9, 2006, 10:41AM ET - U.S. Markets close in 5 hours and 19 minutes. Dow +0.090/0 Nasdaq +0.2 To track stocks & Quotes & Info Enter Svmbol{s): e.g. YHOO/ ^DJ! AXP Managed Allocation A (IMRFX) $$0 CASH Il()II1US + DIN FftEE TRADES .'. -A7 aDen an Accou nt Ameritrade Apex™ Historical Prices [(3<:).1 Symbol Lookup I Finance Sear< On Jan 6: 10.46 ... < ~v": ~~^ ~ >; 'V; ]- ,j;IF.w".;: Start now I,~~j SET DATE RANGE Get Historical Prices for: ADVERTISEMENT Start Date: End Date: @Daily Weekly Monthly Dividends Only Eg. Jan 1, 2003 r<ae~Rf'ices.. .'.' .Li........,.....,........ '.',C." ;c...;. .,. ,.,.... '>...... .. J First I Prev I Next I Last PRICES Date Open High Low Close Volume Adj Close* 6-Sep-05 9.99 9.99 9.99 9.99 0 9.95 2-Sep-05 9.90 9.90 9.90 9.90 0 9.86 * Close price adjusted for dividends and splits. First I Prev I Next I Last ~ Download To Spreadsheet A-,fIlAC,l;' Plutr l ').'1'1. + 990)JZ )H~Q.e~ q .94~ 3D <)o.<1C) '30 3Y L - http://finance . yahoo. com! q/hp ?s= IMRFX&a=08& b=2&c=2005&d=08&e=6&f=200 5&g=d 1/9/2006 INIAX: Historical Prices for RIVERSOURCE TAX EXEMPT BOND FUN - Yahoo! Fi... Page 1 of2 Yahoo! Mv Yahoo! Mail Search the Web ~HootFINANCE SlgJlmln New User? SjgOuUp f1oan<;;.e_JtQ!ne - Help Monday, January 9, 2006, 10:39AM ET - U.S. Markets close in 5 hours and 21 minutes. Dow +0.070/0 Nasdaq +0.3 To track stocks & Quotes & Info Enter Symbol(s): e.g. YHOO, ^DJI AXP Tax-Exempt Bond A (INTAX) ~ '\ .... ;..;" ~y SiFlllall" Open an Account Sta rt now Historical Prices f.Q~J Symbol Lookup I Finance Searc On Jan 6: 3.85 ! Flat Rate $'10.99 /lnternet equity trades -1\.7; Now at Ameritrade l~pl SET DATE RANGE Get Historical Prices for: . ADVERTISEMENT Start Date: End Date: @ Daily o Weekly o Monthly o Dividends Only Eg. Jan 1, 2003 (.............,&1!t~.~,~~~~~......... First I Prev I Next I Last PRICES Date Open High Low Close Volume Adj Close* 6-Sep-05 3.92 3.92 3.92 3.92 0 3.88 2-Sep-05 3.92 3.92 3.92 3.92 0 3.88 * Close price adjusted for dividends and splits. First I Prev I Next I Last ~ Download To Spreadsheet A" e (lAc;. go PIZ.. ,eg L392 of 3_93) Jz 3.~Z S HAiles 7q 33. S' ....- 3l oG'1 ---. --- http://finance . yahoo. com! q/hp ?s= INT AX&a=08&b=2&c=2005 &d=08&e=6&f=200 5&g=d 1/9/2006 INliYX: Historical Prices for AXP HIGH YIELD TAX EXEMPT FUND - Yahoo! Finance Page 1 of2 Yahoo! My Yahoo! Mail Search the Web "'YA.HOOt FI NANCE 51.91L1o New User? SlgnJJp f.i.o.an.c..e_H.QJD.e - Help Monday, January 9, 2006, 10:40AM ET - U.S. Markets close in 5 hours and 20 minutes. Dow +0.070/0 Nasdaq +0.3' To track stocks & Quotes & Info Enter SVmbol(s): e.g. YHOO, ^DJI AXP High Yield Tax-Exempt A (INHYX) $50 WH BONUS + DIN FltEE TRADES "I" -A: Doen an Account Ameritrade Apex™ Historical Prices r~~J Svmbol Lookup I Finance Sean On Jan 6: 4.39 " " ',.,$\ :,-"~:;' 'Sl Start now SET DATE RANGE Get Historical Prices for: I~~I .qq ........ ........ ..... ..... .... Start Date: @Daily Weekly Monthly o Dividends Only Eg. Jan 1, 2003 End Date: li,i.~~l....~f:j~llti.i..~ First I Prev I Next I Last PRICES Date Open High Low Close Volume Adj Close* 6-Sep-OS 4.47 4.47 4.47 4.47 0 4.43 2-Sep-OS 4.48 4.48 4.48 4.48 0 4.44 * Close price adjusted for dividends and splits. First I Prev I Next I Last ~ Download To Spreadsheet A" ill. P, (;;, l l' a. , c. ~ ('1.47 + l/. 'i $) J 2 7 SI-1Afte.s t-/'Y7S '3Y 0 ) S. <) 2 ") --- I~l. LflL -----.---...-- ----. http://finance . yahoo. com! q/hp ?s= INHYX&a=08& b=2&c=200 5 &d=08&e=6&f=2005 &g=d 1/9/2006 REV.1508 EX + (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY ESTATE OF JOYCE ZEIDERS FILE NUMBER 21 05 0804 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jolntfy-owned with the right of survivorship must be disclosed on Schedule F. ITEM NUMBER ceSCRIPTION VALUE AT DATE OF DEATH 1 1998 MERCURY SABLE SW BLUE BOOK VALUE 3,925 2 2 SNOW BLOWERS 1,000 3 ANTIQUE CHERRY DROP LEAF TABLE 600 4 ANTIQUE SEWING MACHINE 100 5 DIAMOND RING 500 6 ENGAGEMENT RING AND WEDDING BAND 350 7 FIRST NATIONAL BANK OF MARYSVILLE CERTIFICATE OF DEPOSIT 3062013 23,940 8 FIRST NATIONAL BANK OF MARYSVILLE CERTIFICATE OF DEPOSIT 3063001 16,956 9 FIRST NATIONAL BANK OF MARYSVILLE MONEY MARKET ACCOUNT #907383 2,701 10 FIRST NATIONAL BANK OF MARYSVILLE CHECKING ACCOUNT #387339 22,060 11 RIDING LAWN MOWER AND LAWN BOY MOWER 1,200 3W46AD 1.000 TOTAL (Also enter on line 5 Recaoitulation) $ (If more space is needed, insert additional sheets of the same size) 73,332 , FNB'()2 JOYCE C ZEIDERS 109 MARKET ST WEST FAIRVIEW PA 17025-3228 MAT DATE TERM 04/16/2004 12 MONTHS (NOe) 03252004 17053-0017 PO, MAIN OFFICE '01 LIncoln SHeet Phone (7 1 7) 95 7 - 2 1 96 Fax (111) 957.4578 "RIDGE VIEW OFFICE: 500 S. State Road Phone: (717) 957-2114 Fax (717) 957-4678 24 MONTHS CERTIFICATE OF DEPOSIT DISCLOSURE RA TE INFORMATION The interest rate for your account is ,. ~ " % with an annual percentage yield of ~~~%. You will be paid this rate until the maturity date of the certificate. Your certificate will mature on Lf.. I (, -..1 It' t> .L . The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue on the business day you make a deposit. MINIMUM BALANCE REQUIREMENT v ou must deposit $10,000.00 to open this account. You must maintain a minimum balance of$IO,ooO.OO in your account every day to obtain the annual percentage yield listed above. BALANCE COMPUTATION MEllIOD We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. TRANSACTION LIMITATIONS After the account is opened, you may not make deposits into the account. EARL Y WITHDRA W AL PENAL TV If you make a withdrawal before the maturity date. a forfeiture of one (I) month's interest will be charged to your account. I f the amount withdrawn has been on deposit for less than three months. all interest is forfeited and a reduction of the principal will occur. A cenificate of deposit is limited to three (3) partial withdrawals per tenn of the certificate. Partial funds cannot be withdrawn if the remaining certificate balance would be less than the minimum for the tenn as originally wrinen. Should this occur. the certificate must be closed Penalty for partial withdrawal will apply to the amount withdrawn. Should you make a panial withdrawal on your certlllGltt' and the balanCt: llf Ihe ccnificat~ goes helow Ih~ flHllll1llarn required for your interest option. II \\ l,uld he necessary to '\l:k(l (I Jiffcrent 1I1lcrcst uption based on the certificate balance remaining. RENEWAL POLICY This account will NOT be automatically renewed at maturity. Interest will be paid only to the the date of maturity. EXCEPTION Upon the death of any owner of a certificate of deposit, or if depositor has been judicially declared mentally incompetent, we can pay the certificate before maturity without forfeiture of interest. August 29, 2005 Joyce C Zeiders 109 Market Street West Fairview PA 17025-3228 Re: Certificate of Deposit Interest Dear Joyce C Zeiders, Interest in the amount of $138.33 will be paid on your certificate of deposit account number 3063001 effective August 28, 2005. According to your instructions, we will add $138.33 to the balance of the deposit making the new balance $16,956.18. If you have any questions or feel that we can assist you in any way, please do not hesitate to contact us. Sincerely yours, The First National Bank of Marysville 101 Lincoln St P.O. Box B Marysville, PA 17053-0017 717-957-2196 17053-0017 MAIN OFFICE: 101 Lincoln Street Phone: (717) 957-2196 Fax: (717) 957-4578 Certificate of Deposit Disclosure 18 months/30 months/48 months/5-IO years RIDGEVIEW OFFICE: 500 S. State Road Phone: (717) 957-2114 Fax: (717) 957-4678 Rate Information The interest rate for your account is :3. 2 ~ - % with an annual percentage yield of "3> 3-d %. You will be paid this rate until the maturity date of the certificate. Your certificate will mature on ~ J LBt ' 2(JCJ&. The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Interest begins to accrue on the business day you make a deposit. Minimum Balance Requirement You must deposit $1,000.00 to open this account. You must maintain a minimum balance of $1 ,000.00 in your account every day to obtain the annual percentage yield listed above. Balance Computation Method We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rat to the principal in the account each day. Transaction Limitations After the account is opened, you may not make deposits into the account. Early Withdrawal Penalty If you make a withdrawal before the maturity date, a forfeiture of three (3) month's interest will be charged to your account. If the amount withdrawn has been on deposit for less than three (3) months, all interest is forfeited and a reduction of principal will occur. A certificate of deposit is limited to three (3) partial withdrawals per term of the certificate. Partial funds cannot be withdrawn if the remaining certificate balance would be less than the minimum for the term as originally written. Should this occur, the certificate must be closed. Penalty for partial withdrawal will apply to the amount withdrawn. Should you make a partial withdrawal on your certificate and the balance of the certificate goes below the minimum required for your interest option, it will be necessary to select a different interest option based on the certificate balance remaining. Renewal Policy This account will be automatically renewed at maturity. You will have a grace period often (10) calendar days after the maturity date to withdraw funds without being charged a penalty. Exceptions Upon the death of any owner of a certificate of deposit, or if the depositor has been judicially declared mentally incompetent, we can pay the certificate before maturity without forfeiture of interest or penalty. Revised: January 2, 2002 BAH P.O. BOX B MARYSVILLE, PA 17053 TELEPHONE (717) 957-2196 Joyce C Zeiders 109 Market Street West Fairview PA 17025-3228 Accoun t N1.UDber statement Date Page TYPE OF ACCOUNT--Money Market Account Statement Summary o Beginning Balance Deposits/Credits CheckS/Debits Interest Paid Ending Balance 8/31/05 Other Debits Date Amoun t Description 9/12 2,701.28 o 1 Credits Debits 907383 9/30/05 1 2,701.28 .00 2,701.28 .81 .00 Daily Balance Info~tion Date Beginning Balance 9/12 Balance 2,701.28 .00 Date Balance Date Balance _.~ P.O. BOX B MARYSVILLE, PA 17053 TELEPHONE (717) 957-2196 Account Number 387339 Joyce C Zeiders 109 Market street West Fairview PA 17025-3228 statement Date 9/26/05 Page 1 TYPE OF ACCOUNT--NOW Account Statement Summary Beginning Balance Deposits/Credits Checks/Debits Interest Paid Ending Balance 8/22/05 2 7 Credits Debits 23,160.26 1,513.50 24,673.76 7.34 .00 5 Credits/Deposits JJate Amount Description 8/31 9/02 647.50 866.00 Deposit Soc See From Us Treasury 303210267329A Ssa Other Debi ts Date Amount Description 9/02 9/12 500.00 ~,059..?V Atm Terminal Id - Xe1851 500 South state Rd Marysville Pa Checks/Withdrawals Check# Date Amount Check' Date Amount Check# Date Amoun t 2048 8/24 1,126.62 2052 8/30 184.94 2055* 9/08 339.71 2051* 8/24 25.70 2053 9/06 437.00 * Indicates break in sequence Daily Balance Information Date Balance Date Balance Date Balance 'Beginning Balance 23,160.26 3/24 22,007.94 9/02 22,836.50 9/12 .00 8/30 21,823.00 9/06 22,399.50 8/31 22,470.50 9/08 22,059.79 R EV-1509 EX + (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF JOYCE ZEIDERS SCHEDULE F JOINTLY-OWNED PROPERTY FilE NUMBER 21 05 0804 If an asset was made joint within one year of the decedent's date of death, it must be reported on Schedule G. SURVIVING JOINT TENANT(S) NAME AOORESS RELA TlONSHIP TO DECEDENT A. MYERS, KENNETH D 4155 WERTZVILLE ROAD, ENOLA, PA 17025 Nephew B. c. JOINTLY-OWNED PROPERTY: LETTER DATE DE~PTlON OF PROPERTY %OF DATE OF DEATH ITEM FOR JOINT MADE INCLUDE NAME OF FIWW:::IAL INSTITUTION AtoD BMI< ACCOUNT DATE OF DEATH DECD'S VALUE OF /lLMElER OR SIMILAR IDENTIFYING tlUMBER ATTACH DEED FOR NUMBER TENANT JOINT JOINTLY-rElDREAL ESTATE. VALUE OF ASSET INTEREST DECEDENrS INTEREST 1. A. 1 A 5/11/2005 COMMUNITY BANK CERTIFICATE OF DEPOSIT #346160555 5,088 50.0000 2,544 2 A 4/17/2005 COMMUNITY BANK CERTIFICATE OF DEPOSIT #346160554 2,088 50.0000 1,044 TOTAL (Also enter on line 6 Recaoitulation) $ 3 588 3W46AE 1.000 (If more space is needed, insert additional sheets of the same size) COMMONWEALTH OF PENNSVLVANIA DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES DEPT. 280601 HARRISBURG, PA 17128-0601 '* INFORMAT%ON NOT%CE AND TAXPAYER RESPONSE FILE NO. 21 05-0804 ACN 06108726 DATE 03-01-2006 TYPE OF ACCOUNT EST. OF JOYCE C ZEIDERS D SAVINGS s.s. NO. 210-26-7329 0 CHECKING DATE OF DEATH 09-05-2005 D TRUST COmITY CUMBERLAND [Xl CERTIf. REMIT PAYMENT AND fORMS TO: REGISTER OF WILLS CUMBERLAND CO COURT HOUSE CARLISLEI PA 17013 1E'-1&4I EX II1P (D-II) ~. KENNETH D MYERS 4155 WERTZVILLE RD ENOLA PA 17025 COfttIIIrIITY BANKS h.s provided the Dep.rtllent with the info.....Uon list.d b.low which h.. b_n u.ed in CIIlcul.ting the potenti.l tax dU.. Their record. indic.te th.t .t the de.th of the above deced...t, you w.r. a joint owner/beneficiary of thl. account. If YOU f..1 thl. Infor88tian i. incorrect, pl.... obtain written corr.ction fr~ the finenclal In.tltutlon6 .ttach . copy to this fore -.cI r.turn it to the above "dres.. Thi. account Is taxabl. In accord8nc. with the Inherlbnce Tu Law. of the C..-onw..lth of PennsYlvenla. Que.tion. _y be en....red by calling (717) 787-8327. COMPLETE PART 1 BELOW . . . SEE REVERSE SIDE FOR FILING AND PAYMENT INSTRUCTIONS Account No. 346160554 Date 04-07-2005 Est_l 1 shecI Account Balance Percent Tex_le AIIow\t Subject to Tax Tex Rate PotentIal Tex Due x 21088.01 100.00 21088.01 .15 313.20 TAXPAYER RESPONSE To insure prop.r cradi t to your IICcaunt6 two (2) copl.s of thl. notice .u.t .CC08P8nY your paYllent to the Register of lUll.. MIlk. check paYllble to: "Reglst.r of .,Ul., Agen~. x NOTE: If tax paYllent. are lied. within thr.. (3) IIOnth. of the dec.dent.s dat. of d_th6 YOU _y d.duct a 5% discount of the tax du.. Any Inher.itance tax due wUI bec~ dellnquent nine (9) ~ths after the dat. of death. PART [!] .:: ..'.~. ~~; ~.:::.'.\ r;-: ~~. '.:. . ~.~~~. ~.,.:. - - ~.. '-'~.". "..c ~ . ~~. '~'- - ..' - ~__ ~2_.~~' .: -}T. -~-_'._ -~:: :~~~--~ __.:.~(~-'~'~:..-; ~.~ir-~.~.;~:~.~~~ ~-~-) ~ -,','- ..;',_~_._J~~ [CHECK ] ONE BLOCK ONLY A. D The ..va infa....Uon end tBx m.. is correct. 1. You _y chao.. to r_1 t p."..nt to the Regl.t.r of .,U1. ..i th 'bIo cepie. of this notice to obtaln . dlscoW'lt or avoid lnt:er.st6 or YOU _y check box "Aw end return this notlctl to the R.gist.r of Wills end an official .......ant will be i.sued by the PA Depart.ant of Revenue. B. ~he above .ss.t h.. been or will be reported end tax paid with the PennsYlvania Inheritance Tu r.turn ~ ~~ be filed by the dticedent.. repr.sentatlv.. C. 0 Th. abav. Infa....Uon is 1ncorrect and/or debts end deductions war. paid by you. You BU.t cOIIPI.t. PART [!] end/or PART [!] b.IOM. If you indicate . different tax ratel pI.... st.te your r.lationah!p to decadent: PART ~ TAX RETURN - COMPUTATION OF TAX ON JOINT'TRUST ACCOUNTS LINE 1. Dat. Established 1 2. Account Balance 2 3. Percent Tex_le 3 X ~. AIIount Subject to lex ~ 5. ~ts and Deductions .5 ,. AIIount Tax_Ie 6 7. Tex Rate 7 X 8. Tax Due 8 PART [!J DATE PAID DEBTS AND DEDUCTIONS CLAIMED PAYEE DESCRIPTION AMOUNT PAID I I TOTAL (Enter on LIne S of Tax Co.putatlon) . Under penalties of perjury" I declare that the facts I have reported _ove are truel correct and ~l.t.t~t~ n~t of JOY _1...... ..... baU.f. HOME (7/1) '..n.J -t?a~ __.~.",--Y-1._ ~~_ 15<( __ WORK ( ) COtItONWEAL TH OF PEtlCSYLVANIA DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES DEPT. 280601 HARRISBURG, PA 17128-0601 '* INFORMATION NOTICE AND TAXPAYER RESPONSE FILE NO. 21 05-0804 ACN 06108725 DATE 03-01-2006 TYPE OF ACCOUNT EST. OF JOYCE C ZEIDERS D SAVIN8S s. S. NO. 210-26-7329 0 CHECKING DATE OF DEATH 09-05-2005 0 TRUST COUNTY CUMJ)ERLAND 00 CERTIF. RE~IT PAYMENT AND FORMS TO: REGISTER OF WILLS CUMBERLAND CO COURT HOUSE CARLISLE1 PA 17013 IEV-154S EX AF' lit- 81) KENNETH D MYERS 4155 WERTZVILLE RD ENOLA PA 17025 ~ITY BANKS ha. provided tha Departllent with the Infa....tian listed b.1ow which ha. ~n used in calculating tha potential tax due. Thair record. indic.ta that at tha daath of the ebav. decadent, you ..er. a joint owner/beneficiary of this account. If YOU f_l this infar_tion is incorrect, pl.... obtain "ritt... corractian frOll the financial in.titution, .ttach a capy to thi. fa,.. and raturn'it to the IIbov. addr.... Thi. account i. taxebla in .ccardenca ..ith tha Inh.ritanc. Tax L.... of the COIIlIOnw_lth of Pennsylvania. Qua.tion. _y be an....r.d by celUng (717) 787-8327. COMPLETE PART 1 BELOW . . . SEE REVERSE SIDE FOR FILING AND PAYMENT INSTRUCTIONS ACCO\8\t No. 346160555 Oat. 04-07-2005 Est.a>>1ishH x 5,088.01 100.00 5,088.01 .15 763.20 TAXPAYER. RESPONSE To in.ur. proper cradi t to your eccount, two (2) copias of thi. notic. ....t acCCJllpllny your paYllent to the Regist.r of Will.. Milk. check p.yable to: "Ragi.tar of Will., Agent". Account Bal-.,c. P.rc..,t Taxab1. Mount Subj.ct to Tax Tax Rat. Pot..,tia1 Tax au. x NOTE: If tax paYllent. are aada "ithin thr_ (3) IIOnths of the decedent-s ata of d.ath, you _y dedupt a S::C discount of the tax du.. Any Inheritanca tax due will b.coaa delinquent nln. (9) ..onths aft.r the data of death. . PART [!] ~~ : =~~~:~~~~T~~.::~:~:~:_~:!~i""-:-~~:~~~:.. ~~~~~~~___~ :._' ~_~ ;::-". '.", ~~ -;"~~.~;-~__--_ =~_~:_~--,:.~ :....~~-:.-_:_ ~ - ~ ~;~~- -~ . .;:- ~~ ~;~- :". - .--:~'~. ~~~~~3}~: ,:~.~ ~~~j:I;~~~~!.::~:i~~~l~__:~~~-'..:~~::~-. ~.~~L~~~~:=~i A. D TIW IIbove infa....t1on and tax due i. corract. .. . 1. You _y choosa to r_1 t pey...,t to the Reglstar of Wlllswl th two copia. of this notice to obtain . discOWlt or avoid Intar.st, or you _y check box "A" and return this notice to the R.gistar of Wills and an official ass.s..ant "ill ba i.sued by the PA Dep.rtaant of R.venue. 8. 'tv( The above ...t hes b_n or ..Ul b. reported and tax paid "ith the P......sylvani. Inharitanca Tax raturn ~ to ba filed by tha decadent-. reprasentativa. C. 0 The abov. infa,..tion is incorrect .,d/or debts and deductions wera paid by you. You ...st coaplate PART 0 and/or PART [!] below. [CHECK ] ONE BLOCK ONLY If you indicat. a diff.r.nt tax rat., pleas. stat. your r.1ationship to ~t: PART [!] TAX RETURN - COMPUTATION OF TAX ON JOINT,TRUST ACCOUNTS LINE 1. Oat. Established 1 2. AccCM.nt Balanc. 2 3. Percent Taxabl. 3 X It. AiIowIt Subj~t to Tax It 5. Debts and Deductions 5 6. AIIoW1t Taxabl. 6 7. Tax Rat. 7 X 8. Tax Du. 8 PART [!] DATE PAID DEBTS AND DEDUCTIONS CLAIMED PAYEE DESCRIPTION AMOUNT PAID I TOTAL (Ent.r on Li.. 5 of Tax CoIIput.tion) I . Under panalti.s of parjurYI I .-clare that tt. facts I haY. rllPOrt. abov. aN tMM, corr.ct and cOllPlet. to thll best of .Y knowl'" and _ll.f. HOME (7/7) 7Jtl-O~/1'J _.~~...tl:.~ ~P/ W~~~ __~._.._ ..~_____ - - - REV-1510 EX + (6-98) SCHEDULE G INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT EST ATE OF JOYCE ZEIDERS FILE NUMBER 21 05 0804 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 PROPERlY ITEM Ir-cu..oe TH: NlWE OF M TRANSFEREE, Tl-EIR RELATIONSHP TO DECEDENT N>D DATE OF DEATH % OF DECO'S EXCLUSION TAXABLE NUMBER MDATEOFTRAN;FER ATT}IO-t A COPV OF Tl-E DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST (IF APPUCABLEl VALUE 1. IDS LIFE ANNUITY 0000 0930 0217 0614 6 004 CONTRACT DATE 01/26/1996 24,859 100.0000 0 24,859 2 IDS LIFE ANNUITY 0000 0930 0244 4585 8 004 CONTRACT DATE 07/19/1990 10,850 100.0000 0 10,850 3 IDS LIFE ANNUITY 0000 0930 0254 6989 9 004 CONTRACT DATE 01/11/1991 32,141 100.0000 0 32,141 4 IDS LIFE ANNUITY 0000 0930 0341 1600 2 004 CONTRACT DATE 08/06/1993 26,644 100.0000 0 26,644 5 IRA 0000 0010 5358 4961 5 002 3639.541 SHARES AXP SELECTIVE FUND CLASS A (INSEX) 31,591 100.0000 0 31,591 6 IRA 0000 0022 5358 4961 0 002 5011.135 SHARES AXP HIGH YIELD BOND FUND CLASS A ( lNEAX) 14,607 100.0000 0 14,607 TOT AL (Also enter on line 7, Recapitulation) $ 140.692 (If more space is needed. insert additional sheets of the same size) 3W46AF 1.000 ;;8 111 i ! ' 11 ..:. I ~ ;;8 \ 11 11 I II \ ~ t CM ~ ~ , 11 ~ \ 1 I I II II i ~ . i i i ( ~ ~ ~ "6 ~ 1 ~ \ J; ! \ , \ \ <<"" -a ! \,<11 \":'. ~ \ ~ ~ \ ! \4\ \ fill " 1; ." :r \'f\\ \ i i \ !~~ Q ~I " " tD. q \ i 'I. t t ~I ii' ,i "i 5- II , , ~ " 11 \ \ , I I ! 1 ~ ! Ii 5. ~ 1 'll', \\\\1 \ ~ ~ ~ 1 i I s i i 1 , "e \ I .9 \ , , . 1 I .. \ J "I \\ \~ .. ~~ , . -a , .-. ~ \ . ~ 1, \ \ '1\ \ 1 \ \\ . \ \ \ ~ \ \ \ \ \\\\ \\ '0' \ \\ \ \ \ \--, 1 .1 \ l , l \. "\l \ J \ ~\ Il J l' \ 1 \ ~ (,) ~ ~ , . t , \ \ \ I \ INSEX: Historical Prices for RIVERSOURCE SELECTIVE FUND INC - Yahoo! Finance Page 1 of2 Yahoo! Mv Yahoo! Mail Search the Web "'Y'AHOO!FINANCE SJgJl.ln New User? SignJJ.J2 fio.anceJ:!.Qme - Help Monday, January 9, 2006, 10:41AM ET - U.S. Markets close in 5 hours and 19 minutes. Dow +0.090/0 Nasdaq +0.2 To track stocks & Quotes & Info AXP Selective A (INSEX) Enter Symbol(s): e.g. YHOO, ^DJI ::, ^' '; ~ ........ >. 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This combined with a one click, Executable Streaming Price feed linked with our STP feature brings you the closest to the ultimate trading experience. www.ac-markets.com http://finance. yahoo .com! q/hp ?s= INSEX&a=08& b=2&c=2005&d=08&e=6&f=200 5 &g=d 1/9/2006 IN~AX: Historical Prices for RIVERSOURCE HIGH YIELD BOND CL - Yahoo! Finance Page 1 of2 Yahoo! My Yahoo! Mail Search the Web ~HOOlFINANCE 5.1.9.0..10 New User? SiQ..o.J.J.j2 FjDao'-.eJ::l.Q.me - HelD Monday, January 9, 2006, 10:42AM ET - U.S. Markets close in 5 hours and 18 minutes. Dow +0.090/0 Nasdaq +0.2 To track stocks & Quotes & Info AXP High Yield A (INEAX) Enter SVmbol(s): e.g. YHOO, ^DJI ;-V {^< .... ' :t)F~ $50 CASH BOIiIIUS + OBI FREE TUDES -~: Start now Ameritrade Apex™ Historical Prices t~~1 Symbol Lookup I Finance Sear( On Jan 6: 2.89 .. Open an Account SET DATE RANGE Get Historical Prices for: : l~QJ , , '" ,,' ',' ."i"" .. Start Date: @ Daily Weekly o Monthly o Dividends Only Eg. Jan 1, 2003 End Date: ~,~!~E!:~~!~..il First I Prev I Next I Last PRICES Date Open High Low Close Volume Adj Close* 6-Sep-05 2.91 2.91 2.91 2.91 0 2.86 2-Sep-05 2.92 2.92 2.92 2.92 0 2.87 * Close price adjusted for dividends and splits. First I Prev I Next I Last rI1 Download To Spreadsheet Ii 'i e<< %f ?ll.. <.. ~ (Z .9 Ii- 2. C; l ') J l SHAlLe~ -'0 2. crJ5" ~Ol/. ,3) I 'i ~o 7 http://finance . yahoo .com! q/hp ?s= INEAX&a=08&b=2&c=2005 &d=08&e=6&f=200 5& g=d 1/9/2006 - . REV-1511 EX + (12-99) SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF JOYCE ZEIDERS ITEM NUMBER A. B. 2 3 3W46AG 1.000 Debts of decedent must be reported on Schedule I. DESCRIPTION 1. FUNERAL EXPENSES: FUNERAL MEAL 2 ROTHERMELS Total from continuation schedules 1. ADMINISTRATIVE COSTS: Personal Representative's Commissions Name of Personal Representative(s) DOREEN WINCHELL & DANNY T. MYERS Social Security Number(s) I EIN Number of Personal Representative(s) Street Address 4115 WERTZVILLE ROAD City ENOLA State P A Zip 17025 Year(s) Commission Paid: 2006 2. Attorney Fees 3. Family Exemption: (If decedent's address is not the same as daimant's, attach explanation) Claimant Street Address City State Zip Relationship of Claimant to Decedent 4. Probate Fees 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. 1 BARRETT REAL ESTATE BRIAN GRANT CUMBERLAND COUNTY LAW JOURNAL Total from continuation schedules FILE NUMBER 21 05 0804 TOTAL (Also enter on line 9, Recapitulation) (If more space is needed. insert additional sheets of the same size) $ AMOUNT 226 219 7,401 26,200 380 300 25 75 2,165 36,991 Estate of: JOYCE ZEIDERS 210-26-7329 Schedule H Part 1 (Page 2) Item No. Description Amount 3 SULLIVAN FUNERAL HOME 7,401 Total (Carry forward to main schedule) 7,401 Estate of: JOYCE ZEIDERS 210-26-7329 Schedule H Part 7 (Page 2) 4 EAST PENNSBORO TOWNSHIP 345 5 HARRISBURG PATRIOT NEWS 156 6 KENNY MYERS LAWN CARE 25 7 KENNY MYERS LAWN CARE 50 8 KENNY MYERS LAWN CARE 125 9 KENNY MYERS LAWN CARE AND SNOW REMOVAL 100 10 KENNY MYERS YARD WORK 25 11 KENNY MYERS SNOW REMOVAL 50 12 L.B. SMITH FORD 97 13 MCI 16 14 NATIONAL FLOOD INSURANCE 355 15 PA AMERICAN WATER 166 16 POSTMASTER 15 1 7 PPL 179 18 RITTERS HARDWARE 56 19 TERMlNEX 41 20 WEST SHORE OIL COMPANY 364 Total (Carry forward to main schedule) 2,165 REV-1512 EX + (12-03) COMMON\NEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF JOYCE ZEIDERS SCHEDULE I DEBTS OF DECEDENT, MORTGAGE liABiliTIES, & liENS FILE NUMBER 21 05 0804 Report debts incurred by the decedent prior to death which remained unpaid as of the date of death, including unreimbursed medical expenses. ITEM NLNBER 1. DESCRIPTION VALUE AT DATE OF DEATH ALICIA STINE, TREASURER TAXE S 11 2 DEBBIE LUPOLD, TREASURER 303 3 HARRISBURG PHARMACY 299 4 HOSPICE OF CENTRAL PA 1,500 5 MCI 57 6 PA AMERICAN WATER 27 7 PA DEPT OF REVENUE 49 8 PPL 128 9 WEST SHORE OIL COMPANY 149 3W46AH 2.000 TOTAL (Also enter on line 10, Recapitulation) $ (If more space is needed, insert additional sheets of the same size) 2,523 REV-1513 EX+ (9-00) SCHEDULE J BENEFICIARIES COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF JOYCE ZEIDERS NUMBER I NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under Sec. 9116 (a) (1.2)] DANNY T. MYERS 4155 WERTZVILLE ROAD ENOLA, PA 17025 1 General Bequests: 1,000 17.5% of Residue: 83,120 2 DEAN E. MYERS 4800 PRIMROSE LANE MIDDLETOWN, OH 45044 10% of Residue: 47,497 3 KENNE TH D. MYERS 4155 WERTZVILLE ROAD ENOLA, PA 17025 General Bequests: 4,788 RELATIONSHIP TO DECEDENT Do Not List Trustee(s) FILE NUMBER 21 05 0804 AMOUNT OR SHARE OF ESTATE Nephew Brother Nephew 84,120 47,497 4,788 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET II NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS 3W46A11.000 TOTAL OF PART 11- 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) $ o Estate of: JOYCE ZEIDERS Item No. Description 4 KENNETH E. MYERS 311 LOCUST STREET MARYSVILLE, PA 17053 10% of Residue: 47,497 5 KENNETH J. MYERS 665 NEWPORT ROAD DUNCANNON, PA 17020 17.5% of Residue: 83,120 6 PAUL E. MYERS, SR 4155 WERTZVILLE ROAD ENOLA, PA 17025 General Bequests: 3,925 10% of Residue: 47,497 7 VICTORIA F. MYERS General Bequests: 500 8 VICKY SHAFFER R.D. *3, FAIRWAY DRIVE ETTERS, PA 17319 General Bequests: 350 17.5% of Residue: 83,120 9 DOREEN E. WINCHELL 27 WEST MAIN STREET MECHANICSBURG, PA 17055 General Bequests: 600 17.5% of Residue: 83,120 10 JACLYN WINCHELL 27 WEST MAIN STREET MECHANICSBURG, PA 17055 General Bequests: 1,000 210-26-7329 Schedule J Part 1 (Page 2) Relation Amount Brother 47,497 Nephew 83,120 Brother 51,422 Niece 500 Niece 83,470 Niece 83,720 Niece 1,000 /' J L" .).~- ?..,f-. , ,...a~ t> ~- , '- ,-' "~,.)cJ (.. H~i ,() c) ~ C> b :S(), ()() #8'11