HomeMy WebLinkAbout06-08-06
COMMONWEALTH OF PENNSYLVANIA
DEPARTMENT OF REVENUE
BUREAU OF INDIVIDUAL TAXES
DEPT 280601
HARRISBURG, PA 17128-0601
REV-1162 EX(11-96)
RECEIVED FROM:
PENNSYLVANIA
INHERITANCE AND ESTATE TAX
OFFICIAL RECEIPT
BANGS MICHAEL L
429 S 18TH STREET
CAMP HILL, PA 17011
__u_u_ fold
ESTATE INFORMATION: SSN: 174-20-4587
FILE NUMBER: 2105-1114
DECEDENT NAME: FREAM JACQUELINE H
DA TE OF PAYMENT: 06/08/2006
POSTMARK DATE: 06/08/2006
COUNTY: CUMBERLAND
DATE OF DEATH: 12/19/2005
NO. CD 006810
ACN
ASSESSMENT
CONTROL
NUMBER
AMOUNT
101 I $66,054.11
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TOTAL AMOUNT PAID:
$66,054.11
REMARKS: EST OF JACQUELINE FREAM
CHECK# 108
SEAL
INITIALS: WZ
RECEIVED BY:
REGISTER OF WILLS
GLENDA FARNER STRASBAUGH
REGISTER OF WILLS
Register of Wills, Cumberland County, Pennsylvania
INVENTORY
Estate of
Jacqueline H. Fream
No.
21-05-1114
also known as
Date of Death
12/19/2005
, Deceased
Social Security No. 174-20-4587
Kathy J. Powell
The Personal Representative(s) of the above Estate, deceased, verify that the items appearing in the -following Inventory
include all of the personal assets wherever situate and all of the real estate located in the Commonwealth of Pennsylvania
of said Decedent, that the valuation placed opposite each item of said Inventory represents its fair value as of the date of
the Decedent's death, and that the Decedent owned no real estate outside of the Commonwealth of Pennsylvania except
that which appears in a memorandum at the end of this Inventory. I/We verify that the statements made in this Inventory
are true and correct. I/We understand that false statements herein are made subject to the penalties of 18 Pa. C. S.
Section 4904 relating to unsworn falsification to authorities.
Attorney:
Michael L. Bangs
Personal Repr?iltesentative~
Signature: ~
Kathy J II
Signature:
I.D. No.:
41263
Signature:
Firm:
Address: 24 West Coover Street
Mechanicsburg, PA 17055
Telephone: 717 -697 -8978
Lt/~1J(P
Dated:
Address: 429 South 18th Street
Camp Hill, PA 17011
Telephone: 717/730-7310
Personal Property
Cas h...............................................................................................
Personal Property.........................................................................
Stocks/Listed................................................................................ .
Stocks/Closely Held......................................................................
Bonds.............................................................................................
Partnerships and Sole Proprietorships .....................................
Mortgages and Notes Receivable...............................................
All Other Property.........................................................................
106,077 .51
Total Personal Property .........................................
106,077.51
Total Real Property ......... .......................................
110,000.00
216,077.511
Total Personal and Real Property.........................
Total Out-of-State Real Property..........................
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Register of Wills, Cumberland County, Pennsylvania
INVENTORY
Estate of
Jacqueline H. Fream
No.
21-05-1114
, Deceased
Date of Death 12/19/2005
Social Security No. 174-204587
also known as
Cash
Baltimore Life Insurance Company - Death Benefit; Policy #03421438
790.00
Baltimore Life Insurance Company - Death benefit; policy #50110138
470.00
CUNA Life Insurance Company - Death Benefit
2.594.36
M&T Bank - Checking Account #1288296
29.196.96
M& T Bank - Market Advantage Account #15004205865312
32.805.13
M&T Bank - Certificate of Deposit #31003914999635
40.000.00
Refund from Blue Cross/Blue Shield - Unearned premium
209.46
Refund from Comcast Cable
11.60
Total Cash
106.077.51
Real Estate
Real Estate -121 Easterly Drive, Mechanicsburg (see copy of appraisal
attached)
110.000.00
Total Real Estate
110.000.00
(Attach additional sheets if necessary)
Total Personal Property and Real Estate
216.077.51
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REV-1500 EX + (6-00)
*
OFFICIAL USE ONLY
COMMONWEALTH OF
PENNSYLVANIA
DEPARTMENT OF REVENUE
DEPT. 280601
HARRISBURG, PA 17128-0601
REV-1500
INHERITANCE TAX RETURN
RESIDENT DECEDENT
FILE NUMBER
COUNTY CODE YEAR _ NUMBER
_~ - SOCIAL SECURITY NUMBER
174-20-4587
-~--- ~~--~---~-~
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
+SOCIAL S:~~~~~;~R qE-'NILL~___
.__._---_.__._-_._-~-~--_._--~_.~._----------_..-
I-l 3. Remainder Return (date of death prior to 12-13-82)
II
05
1114
-i---c-------- --
Ul . I XJ 1. Original Return
l-
ll: ~ fi:1 4. limited Estate 4a. Future Interest Compromise (date of death after
(J 12-12-82)
~ ~ 9 [X] 6 Decedent Died Testate (Attach 7. Decedent Maintained a living Trust (Attach
ll: lXl . copy of Will) copy of Trust)
<( 1- 1 9. litigation Proceeds Received ' 10. Spousal Poverty: Credit (date of death between 11. Election to tax under Sec. 9113(A) (Attach Sch 0)
----l ...J 12-31-91 and 1-1-95}
---- Imls SECTION NlUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAXINFORMATlOt.l.$HOULD BE DIRECTED TO:
!Z . NAME I COMPLETE MAILING ADDRESS
~ Michael L. Bangs ________ ____
~ -FIRM NAME (If applicable)
UI
Ul
~ . ---------------_.__.__.~
8 I T~L;PHONE NUMBER
~7J730-7310
1. Real Estate (Schedule A)
13. Charitable and Governmental Bequests/See 9113 Trusts for which an election to tax has
not been made (Schedule J)
14. Net Value Subjectto Tax (Line 12 minus Line 13) (14) 439,860.74
--l5~~~ SEE INSTRUCTIONS ON REVERSE SIDE FOR APPLICABLE RATES -------
15. Amount of Line 14 taxable at the spousal tax rate, - 5 0 0 .00 x .00 (15)
I or transfers under Sec. 9116(a)(1.2) - ----
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, DECEDENT'S NAME (LAST, FIRST, AND MIDDLE INITIAL)
Fream, Jacqueline H.
-bATE OF DEATH (MM-DD-YEAR) I DATE OF BIRTH (MM-DD-YEAR)
12-19-2005 i 01-23-1928
(IF APPLICABLE) SURVIVING SPOUSE'S NAME ( LAST, FIRST AND MIDDLE INITIAL)
5. Federal Estate Tax Return Required
8. Total Number of Safe Deposit Boxes
429 South 18th Street
Camp Hill, PA 17011
(1 )
OFFICfAl USE ONLY
"J ,..'
II 2. Supplemental Return
2. Stocks and Bonds (Schedule B)
3. Closely Held Corporation, Partnership or Sole-Proprietorship
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4. Mortgages & Notes Receivable (Schedule D)
5. Cash, Bank Deposits & Miscellaneous Personal Property
(Schedule E)
6. Jointly Owned Property (Schedule F)
Separate Billing Requested
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property
(Schedule G or L) [J Separate Billing Requested
8. Total Gross Assets (total Lines 1-7)
9. Funeral Expenses & Administrative Costs (Schedule H)
10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I)
110,000.00
_..~
(2) None
(3) None
(4) None
(5) 103,483.15
(6) None
(7) 243,022.47
(8)
i--'
11. Total Deductions (total Lines 9 & 10)
12. Net Value of Estate (Line 8 minus Line 11)
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
\.....\.)
OJ
456,505.62
(9)
(10)
15,255.49
1,389.39
(11 )
16,644.88
439,860.74
(12)
(13)
0.00
0.00
0.00
x .045 (16)
0.00
0.00
x .12
(17)
0.00
440,360.74
(18)
66,054.11
66,054.11
x .15
(19)
20. D
CHECK HERE IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT.
>> BE SURE TO ANSWER ALL QUESTIONS ON REVERSE SIDE AND RECHECK MATH<<
Copyright 2002 form software only The Lackner Group, Inc.
Form REV-1500 EX (Rev. 6-00;
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Decedent's Complete Address:
STREET ADDRESS
121 Easterly Drive
- \ ST~~- P A---\ZIP17 05 5
CITY
Mechanicsburg
Tax Payments and Credits:
1. Tax Due (Page 1 Line 19)
2. Credits/Payments
A. Spousal Poverty Credit
8. Prior Payments
C. Discount
(1 )
0.00
Total Credits (A + 8 + C)
(2)
3. InteresUPenalty if applicable
D. Interest
E. Penalty
TotallnteresUPenalty (D + E) (3)
4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is theOVERPA YMENT. (4)
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 theTAX DUE (5)
A. Enter the interest on the tax due. (5A)
8. Enter the total of Line 5 + 5A. This is theBAlANCE DUE (58)
Make Check Payable to: REGISTER OF WILLS, AGENT
66,054.11
0.00
66,054.11
66,054.11
PLEASE ANSWER THE FOllOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes No
a. retain the use or income of the property transferred;............................................................................. !~
b. retain the right to designate who shall use the property transferred or its income;............................__.. L-:J
c. retain a reversionary interest; or............................. ............................................................. u................ [J
d. receive the promise for life of either payments, benefits or care?.......................................................... [J
2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without
receiving adequate consideration?........................................................... u............................ u..................... 1
3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death?......... Il
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which_
contains a beneficiary designation?...........................................................u............................u.................... I. _I _J
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
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 PERSON RESPONSIBLE FOR FILING RETURN ADDRESS DATE
Kathy J. Powell 24 West Coover Street
Mechanicsburg, PA 17055
1-]
___&j~/ 0 ~_
DATE
------------~~~ iTE -
ADDRESS
t~ (,,-
SIGNATURE OF PREPARER OTHER THA
Michael L. Bangs
ADDRESS
429 South 18th Street
Camp Hill, PA 17011
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. S9116 (a) (1.1) (ii)]. The statutecloes not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure
of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary.
For dates of death on or after July 1, 2000:
The tax rate imposed on the net value of transfers from a deceased child 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. 99116 (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 individual who has at least one parent in common with the decedent, whether by blood or adoption.
""
Rev-1502 EX+ (6-98)
*'
SCHEDULE A
REAL ESTATE
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
Fream, Jacqueline H.
FILE NUMBER
21-05-1114
ESTATE OF
All real property awned solely or as a tenant in cammon must be reported at fair market value. Fair market value is defined as the price at which property would be
exchanged between a willing buyer and a willing seller. neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts,
Real property which is jointly-owned with right of survivorship must be disclosed an schedule F.
ITEM
NUMBER DESCRIPTION
1 Real Estate -121 Easterly Drive, Mechanicsburg (see copy of appraisal attached)
VALUE AT DATE
OF DEATH
110,000.00
TOTAL (Also enter on Line 1, Recapitulation)
110.000.00
(If more space is needed, additional pages of the same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 ScheduleA (Rev. 6-98)
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APPRAISAL OF REAL PROPERTY
LOCATED AT:
121 Easterly Drive
Silver Spring Township, Cumberland County
Mechanicsburg, PA 17050
FOR:
Michael Bangs, Esquire
429 S. 18th Street, Camp Hil" PA 17011
AS OF:
December 19, 2005; Date of Death of JaCQueline H. Fream
BY:
Pamela M. Reitenbach
Pennsylvania Certiifed General Real Estate Appraiser
RSR Appraiser & Analyists
3lemoyne Drive, Suite 100
lemoyne, PA 17043
Pamela Reitenbach
Form GA2 - "TOTAL for Windows" appraisal software by a la mode, inc. - 1-800-ALAMODE
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[File Ng=o6~o6jliig~J]
File No. 06-006
March 27, 2005
RSR Appraisers & Analysts
3 Lemoyne Drive
Suite 100
Lemoyne, PA 17043
Bangs Law Office
A TTN: Michael Bangs, Esquire
429 S. 18th Street
Camp Hill, PA 17011
RE: Estate of Jacqueline H. Fream
121 Easterly Drive
Mechanicsburg, PA 17050
Dear Mr. Bangs:
Pursuant to your request, I have prepared Cl Complete Appraisal,
Summary Report for the property captioned in the "Summary of Salient
Features" which follows.
The accompanying report is based on a site inspection of
improvements, investigation of the subject neighborllOod area of influence,
and review of sales, cost and income data for similar properties.
This appraisal has been made with particular attention paid to the
applicable value influencing economic conditions and has been processed
in accordance with nationally recognized appraisal guidelines.
The value conclusions stated herein are as of the date of death of
Jacqueline H. Fream, on December 1 g, 2005; as stated in the body of the
appraisal and contingent upon the certifications and limiting conditLons
attached.
Please do not hesitate to contact me, if I can be CIf additional service to
you.
Respectfully,
/.) .....
( C:=-:'\rn(" -"")__ ':. '\,
"-. -~Cl.J'M L r ---_ .(;)J..'--'-\.;~.~.l
Pamela M. Reitenbach
PA Certified General Real Estate ApPl8.iser
Form DCVR - "TOTAL for Windows" appraisal software trv a la moor.. 1I1e. 1-8110-/\LAMODE
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SUMMARY OF SALIENT FEAIIJnES
Subject Address
Legal Description
City
:. County
State
Zip Code
Census Tract
Map Reference
Saie Price
Date of Sale
Borrower / Client
Lemler
Size (Square Feet)
Price per Square fool
Localion
Age
Condition
Total Rooms
Bedrooms
Baths
Appraiser
Date of Appraised Value
121 Easterly Drive
Deed Book 355, Page 926
Mechanicsburg
Cumberland
PA
17050
25420.0118.02
ADC 3116, E7
$ NA
NA
Michael Bangs, Esquire
NA
954
Average
14 years
Average
5
2
Pamela M. Reitenbach, PA Certified General Pml Estate Appraiser
December 19, 2005
Final Estimate at Value
$ 110,000
Form SSD - "TOTAL for Windows" appraisal software lJy a In mode.. ine 1-801l-I\LAMODE
[FileNlJjlli:Q.Q6! paoe #3J
_____.___. File No. .06..0.06
Pr0Illi1.Y~JI!lli_J1Jj:ilgEillY DrjYJl~__ GijyJv1e.r,baDicsbur9. u ~tatePA. __ ZinIodeE05D___ ....____
Legal Descrjll!iillLQeed Book 35~.E.age 922.._ .___.__GQI1JJ!LCumberland Unit No. 1.1 __ __..__ .____~_
Assessor's parcel N..!1, 38-23-D571-19D-U 1 L_~_____.___._J;g1.e.aJJ)5jD6. RE. T:Jxesll,1 DJU.1._.. S~eQi<IIA.s~llil]ent~J_ A!llieeded _
Pro'ecUialTiejl'hase No. Westfields .__~_ __MEP_Reill[el1c~ADc.3116, El .. __ _J:en.su5_T[aQ.tJ5.420.D118.02 _
.. Borrower NA Current DwnerJacgtJ~!ir~tLfre<lt11_ ___UcCullant \ J_Dw.neL. _ I_JJ.enanL_t><JjlacEnL_
Pro e ri hts a raised Fee Sim Ie Leasehold Westfielc!~_.. rl'LoOLhjytlor(le DwmJlS~As.sociation UnitQ1argeLf>5 _. .. ..___
Sales I'.~l.l'll\_____. __D]l~.J)LgillL~_"""""""'~cripJLoll:JlldlillllQlJfltQf loall charge.slcollC.ession.s to be paidby senel~.NA_ _ . __.___
Lender/CI~nt Micb9!11 Bangs~~!?~_..__.__.Addr~4?\l_S~18.1~$!re_et.. C<ltTiP t1iIlL1'A.. 17.011.______
A raiser Pamela M. Reitenbach Address 3 Le,:no ne Drive, Suite 1.0.0, L(~~:ti!e, PA 11.043
Location \..1 Urban 1Xl..... Suburban 1...........\ Rural ~.i.r..ne.:I~~~~'ri..p ~.I~..~...lefamitY hO\l.Si.~.RE.1~6~~~W,il~f~~
Built up I. I .over 75% t><J 25-75% 1_] Under 25% occupancy $ (11110) (YIS) occupancy
Growth rate I] Rapid t><J Stable 1-] Slow IXl .owner 7Cl. Low. NHW I>(J Owner
Property values I (Increasing 1><1 Stable I. \ Declining [\ Tenant 035(H Higll 100+ II I Tenant
Demand../suPPIY I I Shortage 1><1 In balance . [I .over supply IXl vaca.r.l.t (005.%). . ... ........ ... ....1.. prmlomina.nt .1...... [y~ V. acant (0.5.%).
bl.MleUn.!l.1imL...LltJo..der 3_mos~JlL....ilDver 61]QL l.l'@ca_n1JQ'i!'15'X,L J60tl- 40+1- LJ Va~antlo~llr 5%) I~D+l~
Present land use %: .one Family ...82_. 2-4 Family _~, Apartments __1._ ,Condominium I ,Comll1erci;J\ C, \nd\I~Mia\ 1 Vacant 5
Land use change: [><J Not likely Likely [-I In process to _______.._
Note: Race and the racial composition 01 the neighborhood are nol appraisal factm..
: Neighborhood boundaries and characteristics: Jll~ ~jgt1tJQ.fhood qQund.<l.ci~!lJlf!,!Ir1.di~atedon 1t~neigiltlorllood map e.nclosed jnth_e I'Igd_el1cJum oUlliL
repQ.rt~~lJ~EsI9cate.cJ in the development of Westfielc!s, whici}js_priI1lElriIYJ~identialir1.natllre~ . _.. ___._._~
.. Factors that attect the marketability ot the properties in the neighborhood (proximity to p,mployment anf) ilmenltles, employment stability, appeal to market, etc.):
_~I:li~ct has .<l.C~~..\<J..a1LDeCessarULJll2Q!!i nQ facilities incl~di ng_~lr()oJ~Jl.~t>1 ic.pa rks Ltr"nsjJclliati(jrl ,_sllOPpiilQ..af1c:1 .h_o.Y!l!'!sQL"YQ.f:>l1ilL.......~
E.tTiPloY.fnent s",-biillY is good dlJ_H to~~ate Capital a.Ll:@rrisbllrg..Jh.e.~()llrljy.J3e.atatl:iarri.~bur9LandJt1e s.LJrrOUntllngyve~t ~hore. are<lc........~
Av~<lge_IJ.fo.Re.rty..t11aintenanCH programs observed. El11pl21111.l!f1!.i~.will1in...L?~30_minlJtecJriveoSteady pr\<& i.nc~ase.!l..(SeE! MdendlJ!i1L___~
INDIVIDUAL CONDOMINIUM UNIT APPRAISAL REPORT
Condominium housing
PRICE AGE
$ (000) (yrs)
85 _.New
....J.5-2D
Other
Market conditions in the subject neighborhood (inclUding support for the above conclusions related to the tlend of pruperty values, demand/supply, and marketing time
- - suclr as data on competitive properties for sale in tire project and neighborhood, description oj the prevalence 01 sale, amllinancing concessions, etc.):
The s.eilrch of.CClllil!Y tax recQl:ds and ttr~MLS service._sho'!!J>ricesst<llJlecMo.r:t9,me fuOcJ~. aJE'-re<ldily avililaQle.f[Qma..vilrje;tv..of!?o.u.rr:E'..!l.,jVl!1L..
con~entiQ[1.<l!lo.<3.n.!l..~irrg~ClliJ9 7. .0.0% ifrterest, fixecjJQ.year tTl()Jtgilge,.lIPtcJ 3 pOUlts, Sellers_are not requirecJto_offer..!l.ales..o.r.fillancing__~
c.(mce~()I1.s, how~\I~_~ll!1r..<lssist<l.fl,,-eJ.'Ulc::.curring.---_..-~---. --....----
Specilic zoning classification and description B~LBeside.ntiaLl:1igb"pen_sitY.. -------......7l Topog~plry LE'-vel.ati'treeJ.<3rar1.8....
Zoning compliance [><J Legai I] Legal nonconforming (Grandfathered use) I Illegal No wnil\ll , Size Av_erag',- .______
.!jrglr~t ill1(Lbe.illJS.!l_~.lTDpr9v~~tJ!~ ilillw.use.illPLalnL __ Deusily TypicEll.for arE!a ... ___.._
Utilili~s Publrc .other jjlf-SltelmprovemenlS TyP" PIJhlic Private View Averag~ __~_.._
ElectriCity [:xl __... ______.. Street M<lcad.<3.m_ _ ! Drainage ApP!,!ar~Mequil!.e.._.__
Gas I I NI\___ -~ - - Curb/gutter Concrete..._ ~. - I APIJiI..If.Hlt e.as. e.r.lI.ent.s..Sta....'.ldilfdL.'t..L.litY.._e..a..setTI.e_nts
Water [:xl __m____ Sidewalk Con<er.e.te.__ I FEMA Specialllood Hazard Area !] Yes txJ No
Samtary sewer [:xl ___ _ ___0 Street lights Adeguate __ _ I FEMA Zone C Map Date D}:Q3-9~
Storm s~l'o'e.L.._..Ii<L________ .Al@y__---.1'!o.f18_ I FEMA MEIJ.No. _42Q370 QD01:0020_________~
Comments (apparent adverse easements, encroachments, special assessments, slide areas, Illegal or legal nonconforming zoning use, etc.): S!andard_ea~efl1E!Il!~___
utilities._There.13.~U1.Cl. knowo. or apparent adverse easements,_e.ncr()ac.h[T1~n.!?_o.r concl.itiol1:3 nQted, . ..___~
No. of Stories 1__ Exterior Walls Vin/Brk If Proiect Completed: II Project Incomplete
No. of Elevator(s) 0 Roof Surtace .Shingk Total No. uf Phases .L_.. Total No. of Planned Phases
Existing/Proposed !=.xisl Total No. 01 Parking.J1.5.. Total No. of Units 5.6_. Total No. uf Planneilllnits
~ conversion, orig. use NA Ratio (spaces/units)2.23 Totai No. of Units for Sale 1 Total No. ulUllits 101 Sale
Date of Conversion ..N.I\_ Type _Assi n Total No. of Units Sold 56 Total No of Units Sol,l
Age (Vrs.) .11.._ Guest Parking 1. Total No. ot Un'lts Rented 3__ Totai No. uf Units Rented
Effecti\'.e_i\nt.LY~J_._~1:... Data Source Jennifer ReediTr. Data Source
Project Type: [Xl Primary Residence r I Second Home or Recre'ational'-- -t>-<rR~;';;Tu~lIh~;ls'e-u T'I Garden
Condition of the project, quality 01 construction, unit mix, appeal to market, etc.: _~v!1@9.eJo.r"rHa,.
Subject Phase:
Total No. of Units .96_
Total No. of Units Completed_5!L~
Total No. of Units lor Sale 1
Total No. of Units Sold;;.6_
Total No. of Units Rented J_
Data SOllfce Jennifer ReediTr.
TMirJ~ise -TTHigh~s-;;---11 _._=
- Are the heating and cooling for the individual units separately metered? No Ii nu, descrilJe allll cOlllment Oil compatihility to olher projects in market area
and market acceptance:. ____.______.__.__ __. ._.___
Common elements and recreatlonallacilities: Thi'~JE miili[n.Jllsoi1lI]QI1.<"reasDlo_!lLii1..9rassallda sll1allcletention !)OfldoProject11as n(uecreati.Qnal ~
-~~.:_--_._----_._-_._-.~-----_..._--.._--~-_._---_.._---..--------
Are the common elements completed? [X] Yes II No Is the Builder/Developer in cuntrul 01 the I\ome Dwners' Association?
Are an common elements leased to or b the Home .owners' AssociatiOn?. . I I Yes No ~~uacll adclendurn descrrtiil11 rental terms and 0 tlons
~:~:~~_ F:r~==_=~~7== Di:~~. Ki:hen - ..I)en -- .t!mily Rm - Rec Rm I ReQ,:omsr Baths _~:I:~~:- other ~e~~~54
Level 2 .
==-=-_____._ ==~=~=- I _ -=-.-==--:=
Finished area ab~v...!!r~de contain~____ __~..B~ ... _.2~d!~()In(s); u 1 _RatI1(s); .. 954. Sguare Fr,et ~fGross Uving..A.re.alQr.Unit_
GENERAL DESCRIPTIDN HEATING KITCHEN EQUIP AMENITIES CAR SIDRAG~ INSIILATIDN
Floor No. .first.~..___u_._u Type tLE'.lJmp. Refrigerator Fireplace(s) if Nune Ruol
No. 01 Levels .Qn_e_.__._____._ Fuel .~c.lrif.... Range/Dven Patio Sidr~lStoop__ GalClqe Ceiling
INTERIDR Materials/Condition ConrjitiQTLfu'R.._. Disposal Balcony No. ot Cirrs u Walls
Flooring .'<::rpY\t'inyi/;\v.9__ CDDLiNG Dishwasher Deck Open Floor
Walls .{)Ti..waIl/Avg______ Central ~<l_._.. Fan/Hood Porch jOront No. uLCals __ 1 None
Bath Floor -"in"y'~.!\;:g~__.._ .other NA__ Microwave Fence SnlPrivacy_ Parking Space No. 12J Unknown
Bath Wainscot Fiber lass I Av Condition Av Washer Dr er Assil flerf/Ownerl Ass n
Condition of the unit depreciation, repairs needed, quality of construction, remodellnolmodernizatlon, additional features (special energy efficient ilems, etc)
~e...Ad9i'ncjll'nLm._ ._.__..__~._____.
_ Adverse environmental conditions (such as, but not limited to, hazardous wastes, toxic substances, etc.) present in lire implOvements, on tIle site, or in 1I1e immediate vicinity of the
subject property: . Thel"_ar:<'_il<J..kr1own o.!."llparHnt adverse environmental C.o.Dcfitiorlsl:l1at wQuld nH9ativelyimpact on thH ~ale_of the_proP.E!rty.~
Freddie Mac Form 465 t 0.94
Page 1 01 2
Pamela 11eitenbach
Form PU2 - "TDTAL for Windows" appraisal software by a la I\1I]<le, im'..-- I..B(J(J.I\\.AMDDE
Fannie Mae Form 1073 10-94
fFile-No,Q6:h
INDIVIDUAL CONDOMINIUM UNIT APPRAISAL REPORT
Unit Charge $ 55,00 per mo, X 12 ~ $ \wr yr, Annual Assessment charge per year/square leellll gross living area ~ $ _~6,~__._
Is the project subject to ground rent? ! Yes No It yes, $ n''._ per year.
Utilities included in unit charge: Nooe Heat I I Air Condltionino Electricity I I Gas I f Water II Sewer
Note any tees other than regular HOA charges, tor use at tacilifies None.
Compared to other competitive projects of similar quality aod rleslgn, the "ubject unit charoe appears:-~'-TfHIQh~~ l>fTyplcal--'I~rL;:;----
To properly maintain the projecl and provide the services anticipated, tile hudget appears: . I I Adequate I IlnadeQuate [Xl Unknown
Management Group G<I Home Owners' Association i I Developer f I Management Agent (Identity) .~.__. __.___~~__
- Qualify 01 mana'lement and its enlorcement of Rules and Re'lulations hase,1 on general appearance 01 project appears: ~.<J Adequate f' f Inadequate
Special or unusual characteristics in the Condominium OIlGuments or ollw information known to the appraiser that would affect marketability (if none, su state)
Non,,--. ._._______ __.._,,____._._______~__
ITEI! _L S.UB.lECT.__
121 Easterly Drive
Verification Sources
--~._._._~----_._~
VALUE ADJUSTMENTS
.__._____ .o.u_____
Sales or Financing
.gonc~s~I!~.~_._.
Dafe of S~e!Time
Location
------.---
Lease~Q1d/F~~~imp~_
HOA'-'I~A~~ssmen!._
Common Elements
and Re~:lacilities_ _ _
fr~~ize!Type__.
Floor Location
__u_____ ____
Vi~w
~~--_._..~--_._-----
[)e.sign..!n~. AJlpe al_ .
.<JU.~ity.Ql. Co~.s.tru~lion
A~__
Condition
- Above Gr.uie -
. Room Count
_GrQsslj\lini[A,rea...._
Basement & Finished
Rooms.~ol'l. Gra~e__
ft!nclio~~IUti~ty ___
Hea~QlliinR .
E.!!~!!l'.Ef~gentltems__
Car Sloragpc.___
Balcony, Patio,
Firepl~I8.(sLelG
!\y,,!rag~__ .___.
F,,!,,!Sirnpl,,!__
~1~5 per QUil.,!er
Minimal
Non,,__._
.56_LJnit/l\.tt/Avg
Eir~t
::;tr"etll'lvg
Ranch/Avg n .
!\yerage
14ye",!;_
Av"rag,,--.
Total Bdrms Bafhs
5
Slab
NA
Av,,@ge.
\:I"",tP~rrl[l
,Avl3.rage_.. .
OffStr",,,L
Porch/Patio
Nol1,,__.
_ COMPARMlLE NOL
135 Easteriy Drive
VII"stfield~Q()11doDl inilJrn
._._.~OMPARABLE NQ,l__.-'__
133 Easterly Drive
____ WestfieldsCondominJ~f!1
_ __._~~I'AR.ABLE ~CL_L-.
124 Easterly Drive
.Y'/es!!!elds Condominium
MLS, Agent, Ex!. Inspection
CJl.~.rthouse Records ___.QQ~rtho~s"--f3,,(;()rd~
_._ D!~CRII'TION __hil_!\mtJs!fI}efl __ -..!lESCRI~N._ Itl::.) $ Adjustment
Cash Conventional
_.__ .._ JjQn-"--_. _____ J.lJl.~__ __---;.,,_
__.__.___ __ .12.1!j-05 .4 DOI\.L;..___~. Jl.1-0!jE::;BQILJnl<r1l~~_
. _~_____ __ A-"e.r",ge._...._.~__.._~ -"_yerag'L ._._.---;-__
__._._ F.e.".9.fr:r1[l1E:~_'________ .fe.~U:ifr:r1PIL_~__n~_
_ ___ _n .i1~!S..2e.rJ)uarter..i._._.. jJQQ.Q~_Q!J<l.rte~.___
Minimal ' Minimal '
Non,,-~------,-..__ .~~ _N()n~__m__
._E:..Cjllill_____---.:....__ ~_ _E.<Lu",l....__ _.-'-~____
_____.FJi:5t__--.:....___. firsL__~_.~_~
._ _Avera9.e.__-.i.. ___.__f\..v:el.ag"--.___~__
. _ ~"'__nchll\,'ill~._..;_.______ "anch/Av.9.....____ .
____ Av"ra9.e.....~-.:.._ t'Yil@9l'!____
1!)'y"",~_.__._i.__._~__ J~P~ _ ._~.~____
. t\.';:€)ril9.e.__~ __._ _A\tera9.e.__.__~__
Total Brlrms Baths: T olal Bdrms Balhs:
"."--_.-.,-_._--~ ---------,~--_..--,--- ...---'
5.u: _L~...Q__2.....:._1~
____u . u.___l3:l~lL..._____ _____~~~CLfL..._
Slab Slab
l'L~__~_._~.__N~ .___.___
__ f\.v..erilg,"_-----.:.. __t\.';:€)@gL__~.~_
1-l""LE!Jfl1e..~-':'.___.__ !l-"P!.PUf11IJ__~_~__~
._f\"-er<l9.e.__~_~__~._~glg,,,-___.___.i...~~
9lf.2treeL__--.-:. ____ Qff Str.<J.E;L ..:____
Porch/Patio' Porch/Patio
__ N.()f1e~_u____. _N,,~_.__. _mu__.__.
6J7.Q5199M
Ayerage
Fe.e.Sirn[lI,,__
$165IJerQ.uarter
Minimal
None.
EquaL
First
A~era.g8__
Ranch/Avg,
. Average._ .
16. years_
Av"rage___
T olal 8dl'nls 8aths
5. :>. 1
g~fl SqR,
Slab
NA
t\verage._ .
Ijeptf'ur,,[l .
Ave.rage__
OfLS1,,,et
PorchlPatio
None.
Adjusled Price
[)IComParahle_ 000
Comments on Saies Cornparisol1 (including the suhjecl property's cnmpalibilify fo other condom'lnium units in the neighborhood, etc.): .Gr~~i'lliilrea.f9J:___
.99.fl11@r.<'iJle.~vvil!l.Qi:lt" irled ff()fl1. Cun1bmlafld Cou ntyT axAs s"s~~"nLF'~"Qrcls cf\l~illes selecl~-"r'UQcilte\Uf1tl1'~.~@ie.<:;r-" immediate
.neighborh.9.o.<l,c:;!:"ates.tvveig~~givent<Jthe. 1I10str"cent sal". H91l1,,!l.oHl1is 1YIJl3.!lf-" .in derT@.ncl....e.-"p-"Q~yJQr:.fir~til1J-".h.Qm_eJ>!lYilrS and for
!l-"QIJ"'-!I1ill"r" Qown.?I>:ing, d"",,- to "ffordablllty, lo""tlol\ a_nd 1!iT\lted. mal'l(<,nance ___ __ _ _ _ _ _ __.
_.._.lrEM. - SUBJECT r CDMI'ARA8IENOl -[ - ___..cQ.Mf'.AR~~~N~Z ---] - ___CO~PAAABLE.N()..3___
Date, Pnce and Data 6.5.1992 63 1991 12.15.1993 8-4-2004
Source for pnor sales $76,:,00 $79,900 1$73,100 $85,000
'!Ilfi]lnye~r 01 apRr~li>al Crihse R'~c;prds Coullholl!;" Hecords _ CQ~rtt1'!..u--"" Records __ _ __ iCQl1.rthQl1~e. .Recq~__
Analysis ot any CUffent agrnem\ln! 01 "11., opiion, or li\iino of 11m slIhjec1 property ond anoiysis of any prior soles at subject and comparables wilhin one year 01 llle date of appraisal:
Et:ior ~~IEl~.of c;of!1pari3i:llop!:()p"lii"';uoccurred mor"Jbi311 on" 'y"",.ag()cJ~h-"subj~,<;t j)roIJe...rty.k IlQL~~rre'ltl'i ~-"ted.Jor~al~T1()rJJnder an
a reement of sale. The sub'ect ro ert has nO!~'lE':!:i hands within the ast three ears.
INDICATED VALUE BY SALES COMPARISON APPROACH $ . __--.1.10,000
INDICATED VALUE BY INCOME APPROACH (If Applicahle) E,;timoted Markel R"nt $ ._ /Mo x Gross Rent Multiplier ~ $ ______~
INDICATED VALUE BY COST APPROACH (Attac~, il Applicable) $ _' NA
This appraisal is made [><i "os Is" I I slIblec\ to the repairs, alterations, inspections, or conditions listed beiow I I subject 10 completion per plans and specifications.
Condition 01 Appraisal: No warranty (lIthe arpraised i.sgiv"norirnpl",dNoJiabilityis.as~umed.!QrJh--"2t!ur::turill orrnlJ<:'h",nlcal elem..eJ:1l?.(~Bt"~_
.Ql.Oll"-rty.___ _.___.._.____._____._ _.. ___.__.__.
Final Reconciliation- DUE! ..toth,,_Ii3ckOf r"lltai .data, th"IncOfl1eI\QP!:()""his ,,-o!i3!lPrQ2r:!i3t~ Greates\'i/lIl'!lgbl.l"-gi}i-,,!1...!<J.Jh€)S...i31,,s.~ornj:>ariso'!...
- }\PPiQ8roh_slnce jtreflects the_tYPical .acti()ns (>li:l"y"rf;'lnd s"lI"r~IT1Jh"f11i3rk-"lj:Jlacec Due 19.1~ir1",.bllityJ().-"()J:1gr.tJrot-"-(2"l'!. Mcf,,--nQl,Jf1ll~
The purpose ot this appraisal is l(l estimata the mmket vahle 01 the real property thaI is the subject 01 this report, based on the above conditions and the cerli/icalion, contingent
and limiting condiNons, anrl market value definitionlhot ore stated in the attached Freddie Mac Form 439/Fannie Mae Form 10048 (Revised .1Qf!lL______.).
1 (WE) ESTtMATE THE MARKET VALUE, AS DEFINED, OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT, AS OF .Decernb"rJ9, 2005_.. __. ._...___
(WHICH IS THE DATE OF INSPECTION AND THE EFFECTIVE M TE OF THIS REPORT} TO BE $ .11(),.QQQ_______.______.
APPRAISER:. SUPERVISORY APPRAISER (ONLY IF REQUIRED):
~fl~lill~~__~__,__~_L_Ll, -'-J"_-"'_J'.~~~i_,__ _~~"',Si,,'_\L.:..,\ ~jgnatill~_ _ __"_H__...~__.__.. ___.
fRlT]~.Pi'.!rlElIi3.M.R"iten~achyA r::.ert 9"n PE Appraiser N.~I1}L..__..._ _ _n
Q~t~JWort_ii1gne~Mi3fch_ ;>7,2906 !li@.R~RQr1.ii1gl]!1d._ _ __ ________
Stat~~rtjtif~\i(m#_~I,O()1\\40 ~t'lte..f'L__ ~t~\"_~rtificaljoD~__.._.__,,.
Or Slate License # _____.__.__.5tate 0, Slate Ucense #
Freudie Mac Form 465 10.94 Page 2 of 2
Form PlI2 - "TOT^L tor Windnws" allpraisal sojtwar~ by a la mode, inc. -1.800.ALAMODE
I Did II Did Not
Inspect Property
n _ ,____ Statt____
State
Fannie Mae Form 1073 10-94
Supplemental Addendum
[Fjle N(}o[,QORPiM::!51
File No. 06.006
Jj.oJIIJ'IIerLgie.!1L..NtL..~__.~~~_~____..~..
.l'rojJl)~Y Address ..1Z1-E.a~!{lrly.Qrive ._~_. ___ . __.
CityME!cba.!:1ig~b.u!9....~~_~__ COUDILClJmJ)erl~d_~~
Lender Michael Ban s Es uire
State_ PA
~lp_G9d.U7050 _
NEIGHBORHOOD - FACTORS THAT AFFECT MARKETABILITY, Q:>r1l'd:
and MLS statistics demonstrate stable demand for the area. Subject is located in Sliver Spring Township, just west
of the Borough of Mechanicsburg. As of the effective date of this analysis (December 19, 2(05), Westfields
Condominium Home Owner Association's fee is $55 per month, billed quarterly at a rate of $165. Effective January
1, 2006 the quarterly fee will increase to $200. Association fee covers maintenance of buildings' extenors and the
common areas; lawn care; snow removal; and common area insurance. Special Assessments are charged only as
needed, Ie: replacement of roof(s).
CONDITION OF THE IMPROVEMENTS, Cont'd
Ranch style condominium unit having a vaulted ceiling in the living room and carpetin~L kitchen having a vaulted
ceiling, wood cabinets, Formica counter tops and a vinyl floor; dining room with carpeting, lighted ceiling fan, and
french doors to side patio having a privacy fence; two bedrooms each having carpeting and adequate closet space;
and a centrally located full bath with fiberglass tub/shower unit, vanity, commode and vinyl flooring. Storage room.
The home is considered to be in average condition needing cosmetic updating (interior paint and carpet cleaning).
The construction quality is typical for the area. The estimated effective age is below the actual age due to
maintenance, condition, and comparison to competing neighborhoocls. Physical depreciation is attributed to age and
deferred maintenance and normal wear and tear. No functional or economic obsolescence was noted.
FINAL RECONCILIATION, Conl'd:
inability to construct a single condominium, the Cost Approach is not appropriate.
FINAL RECONCILIATION, Cont'd:
single condominium unit, the Cost Approach is not appropriate.
DEFINITION OF MARKET VALUE:
The definition of Market Value is from regulations published by federal regulatory agencies pursuant to Title XI of the
Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) of 1989 between July 5, 1990, and August
24, 1990, by the Federal Reserve System (FRS), National Credit Union Administration (NCUA), Federal Deposit
Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS), and the Office of Comptroller of the Currency
(OCC). This definition is also referenced in regulations jointly published by ttle oce, OTS, FRS, and FDIC on June
7, 1994, and in the Interagency Appraisa/ and Evaluation Guidelines, dated October 27, 1994.
SCOPE OF WORK:
Observation of the exterior and walk through observation of the interior of tile property. Measuring the exterior of the
dwelling. RevieW of the REDS courthouse data and Central Penn Multi-List, Inc. records. Review the county tax map
online information, county tax map, zoning, and FEMA flood maps. Verifying, if possible, the comparable sales with
broker, agent, seller or buyer.
SPECIAL LIMITING CONDITIONS:
This appraisal is not a home inspection and the appraiser is not acting as a rlOllle inspector when preparing the
report. The borrower has the right to have the home inspected by a professional home inspector. When performing
the inspection of this property, the appraiser visually observed areas that were readily accessible. The appraiser is
not required to disturb or move anything that obstructs access or' visibility. The inspection is not technically
exhaustive. The inspection does not offer warranties or guarantees of <lilY Ilind.
The appraiser is not a home or environmental inspector. The appraiser provides an opinion of value. The appraisal
does not guarantee ttlat the property is free of defects or environmental problems. The appraiser performs an
inspection of visible and accessible areas only. Mold may be present in areas the appraiser cannot see. A
professional home inspection or environmental inspection is recommended.
If the property is sold, this appraisal is subject to satisfactory inspection Ieports including, but not limited to: wood
infestation, building inspections, etc.
Supplemental Certifications:
I certify tllat,
This COMPLETE APPRAISAL- SUMMARY APPRAISAL REPORT was prepared by Pamela M.
Reitenbach for the exclusive use of Michael Bangs, Esquire representing the estate of Jacqueline H. Fream
(intended user/client) The intended use of this appraisal report is for estate settlement purposes. Estimated market
value is the most probable price in terms of cash or in terms of financial arran[Jements equivalent to cash. The
information and opinions contained in this appraisal set forth the appraiser's best judgment in light of the information
form TADD - "TOTAL for Windows" appraisal software by a Iii llIode, IIlG. .-. 1.(100. ALAMODE
[Fil~-NQjJ~~~,_
File No. 06-006
Supplemental Addendum
JlQfrQw~rf~lienLNA _n___ _____ . ___ ____.____ ~
PfQP_e[lY.A<!<!~L1;>1.foasterl'l Drive
~;t~de~E!~~~~:lb~~~l s, Esquire ___. COIJn1Y=~~lberlancJ .~._-~=~==~~Lf~=-==-~=-i~~d~j~~===-
available at the time of the preparation of this report. Any use of this appraisal by any other person or entity, or any
reliance or decisions based on this appraisal are at the sole responsibility and at the sole risk of the third party. I
accept no responsibility for damages suffered by any third party, as a result of reliance on or decisions made or
actions taken based on this report.
In my opinion, the reasonable <'!xposul.e time linked to the value opinion is up to 180 days
I further certify that, to the best of my knowled[Je and belief:
- The statements of fact contained in this report are true and correct
- The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting
conditions, and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions.
- I have no presen t or prospective interest in the property that is the subject of this report or to the parties
involved with this assignment
- My engagement in this assignment was not contingent upon developing or reporting predetermined results.
- My compensation for completing this assignment is not contingent upon the development or reporting of a
predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the
attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this
appraisal.
- My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with
the Uniform Standard of Professional Appraisal Practice.
.. I have made a personal inspection of the property that is the subject of this report.
- No one provided significant professional assistance to the person signing this report.
.. Pamela M. Reitenbach has made a personal inspection of the property that is the subject of this report
Pamela M. Reitenbach
PA State Certified General Real Estate Appraiser
form TADD.- "TOTAL for Windows" appraisal sol\ware by a la mode, Inc. -1.800.ALAMODE
,./'
[rileJi()6~:606]}>~tilJ
DEFINITION OF MARKET VALUE: The most probable price which a property slloulri brinll in a competitive and open market under all conditions
requisite to a tair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price i~; not aHecled by undue stimulus. Impncit in this
definition is the consummation of a sale as of a specified date and the passing of title from [;elier tu buyer limier conditions whereby: (1) buyer and selier are
typically motivated; (2) both parties are well intormed or well advised, and each acting in what Ire considers bis own best internst; (3) a reasonable time is allowed
for exposure in the open market; (4) payment is made in terms ot casb In U.S. dollars or in terms oltinancial arr<Jngements comp<Jrallie tbereto; and (5) the price
represents the normal consideration for the property sold unaffected by special or mative financing or Silles 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
tor those costs which are normally paid by sellers as a result 01 tradition or law in a malket area, ttrese CllSts are readily identifiable
since the seller pays these costs in virtually all sales transactions. Special 01 creative financing adjustme.nts can be made to tbe
comparable property by comparisons to financing terms offered by a third party institutional iender that is nut already involved in the
property or transaction. Any adjustment should not be calculated on a mechanical doJlar tor dollar cast uf the financing or concession
but the doJlar amount of any adjustment should approximate thl1 market's rear:tion to tile finanr:lnq or concessions based on tile
appraiser's judgement
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification Illal appC<Hsln tile appraisal report is snbject 10 the following
conditions:
1. The appraiser will not be responsible lor matters of a legal nature tbat affect eit/ler the property being appraised or the title 10 it. fhe appraiser assumes that
the title is good and marketable and, therefore, will not render any opinions about the title. Tile llroperty is appraism1 on tbe basis of it being under responsible
ownership.
2. The appraiser has provided a sketch in the appraisal report to show approximate dimenSions of the il1lprovemenls and tile sketcb is inclnded only to assist
the reader of the report in visualizing the property and understanding the appraiser's determination ot lis size.
3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management AgllllCY (or other data sources) and has noted
in the appraisal report whether the subject site is iocated in an identified Special fiomJ Hazard Area. Because Ihe appraiser is not a surveyor, he or she makes
no guarantees, express or implied, regarding this determination.
4. The appraiser will not give test'rmony or appear in court because he or she made an appraisal 01 the propelty in question, unless specitic 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 nse ami tile improvements at their confributory vaiue. These
separate valuations of the iand and improvements must not be used in conjunction wilh any olller appraisai and are invaiid if they are so used.
6. The appraiser has noted in the appraisai report any adverse conditions (such as, needed lepairs, Ile(JlfJciatiolr, the presence u( hazardous wastes, toxic
substances, etc.) observed during the inspection of the sobject property or thilt he or she hecame aware of (luring Ihe norm;!1 research involved in performing
the appraisal. Unless otherwise stated in the appraisat report, the appraiser has no lInowle']rle ot any Iliclden or nnapparent conditions at tile property or
adverse environmental conditions (including the presence of hazardoos wastes, toxic suhstances, IltC.) tbat would make Ibe property more or less valuahie, and
has assumed that there are no such conditions and makes no guarantees or warranties, ',xpress or implied, mgarding the comfition Ilf the property. The
appraiser will not be responsible for any such conditions that do exist or tor any engineerill(l Ilr te~'ting that might he required fo discover whether such
conditions exist. Because the appraiser is not an expert in the field 01 environmental hazillris, lile crppraisal report must not be considered as an
environmentai assessment ot the property.
7. The appraiser obtained the information, estimates, and opinions that were expresserl in tile apprais;!1 lepurt 110m ~;O\lrces that he or she considers to be
retiable and beiieves them to be true and correct. The appraiser does not alisume responsibility fur tire accoracy 01 such iWms that were furnished by other
parties.
8. The appraiser will not disclose the contents of the appraisal report except as prOVided 101 in tllf] IJnilulIn SIandards of Protessiunal ~ppraisal Practic~.
9. The appraiser has based his or her appra'lsai report and valuation conclusion for an appraisal tlial is slIlliect 10 satisfactory completion, repairs, or
alterations on. the assumption that completion of the improvements will be performed in a workmaniike lTIilnner
10. The appraiser must provide his or her prior writlen consent before the lender/client specificd in Ille appraisal repolt can distribute the appraisal report
(Incloding conciusions about the property vaiue, the appraiser's identity and professional r1esiglliltions, and references to any professionai appraisal
organizations or the firm with which the appraiser is associated) to anyone other than tire boo ower; lire 1lI00Igagee <II Its sllccessors and assigns', Ihe mortgage
insurer; consultants; protessionai appraisal organizations; any state or fedcrally approved financial instifution; or any deparlmenl, agency, or instrumentality
of the United States or any state or the District of Coiumbia; except that the iender/client may t1islritlule tile pf!lperty description sectioo of tire report only to data
collection or reporting service(s) without having to obtain the appraiser's prior wrltlcn cunsent. Tire appraiser':; writlen cons en I and approvai must atso
be oblained belore the appraisal can be conveyed by anyone to the pUblic tllfOUglr advertisiny, PUlllic relatiolls, news, sales, or other media.
Freddie Mac Form 439 0-93
Page 1 of 2
Fannie Mae Form 10046 0-93
Pamela Heltenbaclr
Form ACH - "TOTAL tor Windows" appraisai software by a "'Illude, int:. .-- I-BOIl-ALAMODE
IFile N_lhQ6~;
APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:
1. I have researche(t the suhject market area an~ have selecte~ a minimum of three recent sales at properties most similar and proximate to the subject property
tor consideration in the sales comparison analysis ann liave mane a noHar adjustment when appropriate to reflect the market reaction to those items of significant
variation. It a significant item in a comparahle property is superior to, or more favorable than, the subject property, I have made a negative adjustment to reduce
the adjusted sales price of the cornparable al1~, if a Significant Item 111 a comparahle property is inferior to, or less favorahle than the suhject property, i have made
a positive adjustment to increase the adjusted ,;ales prlee at the comp,lr<lhle
2. I have taken into consirleration 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 rPpnrt and I believe, to the best ot 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 persor,,1. unhiased, ann professional analysis, opinions, and conclusions, which are subject only tD the contingent
and limiting conditions specitierl 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 prospeGtive personal interest Dr bias with
respect to the participants in the transaction I din not Ilase, either partially Dr completely, my analysis and/or the estimate of market value in the appraisal report
on the race, color, religion, sex, hamlicap, tamilial stallls, or national origin ot either the prospective owners or occupants ot the subject property or of the present
owners or occupants of the properties in the vicinity ot the subjecl property.
5. I have no present or contemplated lutme interesl in the subjed property, ami n~ither my current or tuMe employment nor my compensation for performing this
appraisal is contingent on the appraised value of the propr,rty.
6. I was not required to report a predetermlnen value or dlreclion In value that lavers the cause 01 the cilent or any related party, the amount 01 the value estimate,
the attainment of a specific result. or the occurrence of :1 subsequent event in order to receive my compensation and/or employment for performing the appraisal. I
did not base the appraisal report on a mquesle<l minimum valuation, a specitic valuation, or the need to approve a specific mortgage loan.
7. I pertormed this appraisal in conformity with the IJnilorm Stamlar<ls of Protessional Appraisal Praclice that were adopted and promulgated by the Appraisal
Standards Board ot The Appraisal fmmdation ann tl1al WHre in place, as ot the eftective nate of Ihis appraisal, with the exception of the departure provision of those
Standants, which does not apply. I acknowledge that an Hstimate of a reasonable time for exposure in the open market Is a condition In the detinition ot market value
and the estimate I (Jeveloped is consistenf with tile marketing time note(l in the nelghborhoon section of this report, unless I have otherwise stated In the
reconciliation section.
8. I have personally Inspected the interior alllt extm lor "reas III !tIe sllllject property and the exterior of all properties listed as comparahles in the appraisal report.
I turther certily that I have noten any apparent or k~own anverse eomlltlons In Ihe SUbject improvements, on the subject site, or on any site within the immediate
vicinity of the subject property of which I am aware ann have marle adjustments for these anverse condlfions in my analysis of the property value to the extent that
I had market evidence tu sUPPlll1 them. I have also commented ahoul the ellect of the Ildverse conditions on the marketability of the subject property
9. I personally prepared all conclusions and opinions ahout tile reai estate that were set torth in the appraisal report. If I relied on significant protessional
assistance trom any individual or individuals in the performance of the appraisal or the preparation of the appraisal report, 1 have named such indlvidual(s) and
disclosed fhe specitic tasks performen by them in tile reconciliation secllon of this appraisal report. I certily that any individual so named is Qualified to perform
the tasks. I have not authorized anyone to make a challpe to any Item In thH report; therefore, if an unauthorized change is made to the appraisal report, I will take
no responsibility tor it
SUPERVISORY APPRAISER'S CERTlFICATIO~I: It a supervi,wry appraiser signed the appraisal report, he or she certifies and agrees that
I directly supervise the appraiser who prepamd the appraisal report, Ilave reviewed Ihe appraisal report, agree with the statements and conclusions of the appraiser,
agree to be hound by the appraiser's cHrtificatinns fllll1lhere(I4 Ihlflll[1h 7 ahove, ami am taking tull responsibility Jor the appraisal and the appraisal report.
ADDRESS OF PROPERTY APPiRAISED: 121 Easterly Qrive, N1Elc:rraniCsbL[rg,flL1J.!ltiQ_, ___,__,_,_._. ._,
APPRAISER: SUPERVISORY APPRAISER (only if required):
Signatllfe:/.=~:1j,\;~'~~"\<c_~~'.\ .\.::\.J,. .'u,__
Name: .PamEli"fII1_R~i~nilac:h,~A ~tate c;ertifle(Lc;p.rH~ralJ\)J[lrflisE!"_,._
Date SlgnenM<lIc:h n 20g@ _
State Certification #: QAOO 1 ~40 .
or State License #:
Stafe: F'Elf1f1sYIv<lnia,._
Expiration Date of Certification or License: June 30, 200L.
Signafure: .._._ ___,_._..,~.__._,_.. . _~___
Name: .,__,~__' .__,_-. ____._._,__.~___~._
Date Signed: ____~___ _.. ___,__..__ _.___
State Certification #:
or State License #:
State: ____._____..,,__
Expiration Date ot Certification or License:
I I Did
I I Did Not Inspect Property
freddie Mac Form 439 6.93
Page 2 of 2
Fannie Mae Form 10048 6.93
Form AGn, "TOTAL for Winelows" appraisal sottware bV a la mode, inc. -1.800.ALAMDOE
Rev-1508 EX+ (6-98)
*'
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
Fream, Jacqueline H.
FILE NUMBER
21-05-1114
ESTATE OF
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly-owned with the right of survivorship must be disclosed on schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 Baltimore Life Insurance Company - Death Benefit; Policy #03421438 790.00
2 Baltimore Life Insurance Company - Death benefit; policy #50110138 470.00
3 Refund from Blue Cross/Blue Shield - Unearned premium 209.46
4 Refund from Comcast Cable 11.60
5 M& T Bank - Checking Account #1288296 29.196.96
6 M&T Bank - Market Advantage Account #15004205865312 32.805.13
7 M&T Bank - Certificate of Deposit #31003914999635 40.000.00
TOTAL {Also enter on Line 5, Recapitulation}
103.483.15
(If more space is needed, additional pages of the same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 ScheduleE (Rev. 6-98)
r:!M&rBank
499 Mitchell Street, Millsboro, DE 19966
January 11, 2006
Bangs Law Office
429 South 18th Street
Camp Hill, PA 17011
RE: Estate of Jacqueline Fream
Date of Death: December 19,2005
Social Security Number: 174-20-4587
Dear Mr. Bangs:
In response to your request, please be advised that at the time of death, the above-
named decedent had on deposit with this bank the following accounts.
1. Account TYpe........................... Certificate of Deposit
Account Number..... ........... ...... .31003914999635
Ownership (Names of}.............. Jacqueline Fream
Opening Date.......................... .03/18/05
Year to Date Interest.............. ...$902.39
Balance on Date of Death........ .$40,000.00
Accrued Interest
$
74.59
Total.................................. .....$40,074.59
2. Account TYpe................. .... ......Checking Account
Account Number.......... .......... " .1288296
Ownership (Names of).............. Jacqueline Fream
Opening Date....................... ... .12/05/95
Year to Date Interest.............. ...$29.90
Balance on Date of Death. ...... ..$29, 196.96
Accrued Interest
$
0.80
Total................................... ....$29, 197.76
. .
...
. Page 2
January 11, 2006
3. Account TYpe...........................Savings Account
Account Number..................... ..15004205865312
Ownership (Names of).............. Jacqueline Fream
Opening Date.. ........................ .08/02/04
Year to Date Interest................ .$580.08
Balance on Date ofDeath.........$32,805.13
Accrued Interest
$
30.27
Total................................... ....$32,835.30
The above named decedent had a safe deposit box.
For any additional information on the above accounts, including ownership,
statements and closures please contact our Carlisle Pike branch at 717-795-1710.
Sincerely,
~!1f/ /Jaf'/u~
Charlene Warrington, Records Management
1-888-502-4349
Rev-1510 EX+ {6-9BI
*'
SCHEDULE G
INTER-VIVOS TRANSFERS &
MISC. NON-PROBATE PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
Fream, Jacqueline H.
FILE NUMBER
21-05-1114
ESTATE OF
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.
ITEM DESCRIPTION OF PROPERTY DATE OF DEATH % OF DECD'S EXCLUSION TAXABLE
NUMBER INCLUDE NAME OF TRANSFEREE, THEIR RELATIONSHIP TO DECEDENT AND VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE
THE DATE OF TRANSFER. ATTACH A COpy OF THE DEED FOR REAL ESTATE.
1 Putnam IRA - 243.022.47 100.000 0.00 243.022.47
Putnam Equity Income Fund (5,571.885 shares @
$16.87 per share = $93,997)
Putnam Growth & Income Fund (3,471.986
shares @ $19.80 per share = $68,745)
Putnam High Yield Advantage Fund (13,492.344
shares @ $5.95 per share = $80,279)
TOTAL (Also enter on Line 7, Recapitulation) 243.022.47
(If more space is needed, additional pages of the same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule G (Rev. 6-98)
-----Original Message-----
From: Howarth, Danette
Sent: Tuesday, March 21, 2006 4:29 PM
To: Crouse, Michael
Subject: J. Fream
Closing Prices for December 19, 2005
Putnam Equity Income - A..... PEY AX, NA V S 16.87 (5,571. 885 shares)
Putnam Growth a Income A.....PGRWX, NAV $19.80 (3,471.986 shares)
Putnam High Yield Advantage A.....PHYIX, NAV $5.95 (13,492.344 shares)
To Change from Jackie Fream to Kathy:
* Short Certificate dated within 120 days of Putnam receiving the cert.
* Original Death Certificate
* Letter of Instruction (Signature Guaranteed)
Kathy's full name
Kathy's social security number
Kathy's legal mailing address
Kathy's date of birth -
· Required Minimum Distribution request may be in the same letter....Please calculate my RMD annually
withholding XX percentage for taxes. Please pay this distribution on a (monthly, quarterly or annually)
basis
Dmzctle II OIJ/afth
Branch: /109
717-76 }-8200
I~J
For more information about Oppenheimer's products and services,
visit our website at <http://www.opco.com> http://www.opco.com.
3/24/2006
. Nature
Page 2 of2
This communication is for informational purposes only and nothing
herein should be construed as a solicitation, recommendation or
an offer to buy or sell any securities or product. The information
contained herein has been obtained from sources believed to be
reliable but we do not guarantee accuracy or completeness.
Oppenheimer & Co. Inc and its affiliated companies, their officers,
directors and employees may have a position in or, make a market
in any securities mentioned above and, may act as an investment
banker or advisor to such companies. Client account information
or transaction details do not supersede mailed confirmations or
account statements which are the only official records containing
this information. As a matter of policy, orders are not accepted
via e-mail or voice mail and no responsibility shall accrue
relating to any orders placed in this manner. If this communication
has been received in error, please delete or destroy immediately.
3/24/2006
REV-1151 EX+ (12-99)
.
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
Fream, Jacqueline H.
Debts of decedent must be reported on Schedule I.
FILE NUMBER
21-05-1114
ESTATE OF
ITEM DESCRIPTION AMOUNT
NUMBER
A. FUNERAL EXPENSES:
See continuation schedule(s) attached 7,850.50
B. ADMINISTRATIVE COSTS:
1. Personal Representative's Commissions
Social Security Number(s) I EIN Number of Personal Representative(s):
Street Address
City State Zip
-
Year(s) Commission paid
2. Attorney's Fees Michael L. Bangs 6,000.00
3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation)
Claimant
Street Address
City State Zip
Relationship of Claimant to Decedent
4. Probate Fees 422.00
5. Accountant's Fees 500.00
6. Tax Return Preparer's Fees
7. Other Administrative Costs 482.99
TOTAL (Also enter on line 9, Recapitulation) 15,255.49
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 ScheduleH (Rev. 6-98)
Rev-1502 EX+ (6-98)
*'
SCHEDULE H-B7
OTHER
ADMINISTRATIVE COSTS
continued
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
Fream, Jacqueline H.
FILE NUMBER
21-05-1114
ESTATE OF
ITEM
NUMBER
DESCRIPTION
AMOUNT
1
Cumberland Law Journal - Estate Advertising
75.00
2
RSR Appraisers and Analysist - Real estate appraisal
300.00
3
The Sentinel - Estate Advertising
107.99
Subtotal
482.99
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule H-B7 (Rev. 6-98)
Rev-1512 EX+ (6-98)
.
SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES, & LIENS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
Fream, Jacqueline H.
FILE NUMBER
21-05-1114
ESTATE OF
Include unreimbursed medical expenses.
ITEM
NUMBER DESCRIPTION
VALUE AT DATE
OF DEATH
1 AT&T -11/14/05 to 12/13/05
46.75
2 AT&T -11/14/05 to 1/13/06
93.50
3 AT&T -1/14/06 to 2/13/06
47.79
4 AT&T - 3/13/06 to 4/12/06
46.75
5 Capital Blue Cross - Insurance Premium due
209.46
6 Comcast Cable
44.81
7 Penn Waste, Inc. - April, May and June
39.18
8 PP&L Electric
104.11
9 PP&L Electric - 1/6/06 to 2/3/06
69.89
10 PP&L Electric - 2/3/06 to 3/7/06
94.00
11 PP&L Electric
100.58
12 PP&L Electric Utilities -11/4/05 to 12/6/05
100.58
13 Silver Spring Township - Sewer 10/2/05 to 1/4/06
83.20
14 United Water Company -11/1/05 to 12/1/05
11.08
15 United Water Company -11/1/05 to 2/1/06
17.84
16 United Water - 2/1/06 to 3/1/06
6.76
17 United Water
11.08
Total of Continuation Schedule(s)
See attached page
TOTAL (Also enter on Line 10, Recapitulation)
1,389.39
(If more space is needed, additional pages of the same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule I (Rev. 6-98)
Rev-1512 EX+ (6-98)
*'
SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES, & LIENS
continued
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
Fream, Jacqueline H.
FILE NUMBER
21-05-1114
ESTATE OF
ITEM
NUMBER
DESCRIPTION
VALUE AT DATE
OF DEATH
18
West Shore EMS
97.03
19
Westfields Condo. Association - January - March 2006 Dues
165.00
TOTAL (Also enter on Line 10, Recapitulation)
1.389.39
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule I (Rev. 6-98)
REV-1513 EX+ (9-00)
.
SCHEDULE J
BENEFICIARIES
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
NUMBER
Fream, Jacqueline H.
NAME AND ADDRESS OF
PERSON(S) RECEIVING PROPERTY
TAXABLE DISTRIBUTIONS [include outright spousal
distributions, and transfers
under Sec. 9116(a)(1.2)]
FILE NUMBER
21-05-1114
ESTATE OF
RELATIONSHIP TO
DECEDENT
Do Not list Trustee(s)
SHARE OF ESTATE AMOUNT OF ESTATE
(Words) ($$$)
I.
Kathy J. Powell
24 West Coover Street
Mechanicsburg, PA 17055
Cousin
Entire
Total
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
TOTAL OF PART 11- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET
0.00
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 ScheduleJ (Rev. 6-98)
6)ff$
!!/
J~f$!!r~
I, JACQUELINE H. FREAM, of Monroe Township, Cumberland County,
Pennsylvania, declare this to be my last will and revoke any will previously made by me.
ITEM I. I direct that all my just debts and funeral expenses, including my gravemarker
and all expenses of my last illness, and any and all taxes and assessments imposed by any
governmental body as a result of my death, whether on property passing under this will or
otherwise, shall be paid from my residuary estate as soon as practicable after my decease as a
part of the expense of the administration of my estate.
ITEM II. I give and bequeath all of my household goods, automobiles, jewelry, and all
other articles of household and personal use, equipment and ornament, together with all
insurance thereon and relating thereto, to my cousin, KATHY J. POWELL, provided she
survives my death by thirty (30) days.
ITEM III. I give, devise, and bequeath all the rest, residue, and remainder of my
possessions and estate of every nature and wherever situate to my cousin KATHY J. POWELL
provided she survives my death by thirty (30) days.
ITEM IV. All of the interests of the beneficiaries hereunder shall not be subject to
anticipation or to voluntary or involuntary alienation nor shall they be subject to any execution or
attachment.
1
.
ITEM V. I appoint my cousin KATHY J. POWELL executrix of this my last will.
Should she predecease me or otherwise fail to qualify or cease to serve as executrix of this my
last will, I appoint ALBERT Z. BOGERT executor of this my last will.
ITEM VI. In addition to the other powers and authorities granted to my personal
representatives by Pennsylvania law and by the other terms and provisions of this will, I hereby
give to my personal representatives the following powers and authorities effective without court
approval and until actual distribution of all property: to compromise any claim or controversy;
to make distribution in cash or in kind, or partly in cash and partly in kind, and in such manner as
my personal representatives may determine and at valuations finally to be fixed by them; to
invest in all forms of property, including any stock or other securities in any corporate fiduciary
or its successor without restriction to investments authorized for Pennsylvania fiduciaries, as my
personal representatives deem proper, without regard to any principle of risk or diversification;
to retain any or all assets of my estate, real or personal, without regard to any principle of risk or
diversification; to sell at public or private sale, to exchange, or to lease for any period of time,
any real or personal property and to give options for sales, exchanges, or leases, for such prices
and upon such terms or conditions as my personal representatives deem proper; and to allocate
receipts and expenses to principal or income or partly to each as my personal representatives
deem proper in their sole discretion.
ITEM VII. I direct that my personal representatives and fiduciaries shall not be required
to give bond for the faithful performance of their duties in any jurisdiction.
2
IN WITNESS WHEREOF, I have hereunto set my hand this
Octb belL
.
,2005.
7rA
j I/:I--ItV.J-vfl-V )1/$4-"""
J1\CQUELINE H. FREAM
3
day of
..
The preceding instrument, consisting of this and THREE other typewritten pages, each
identified by the signature of the testatrix was on the date thereof signed, published, and declared
by JACQUELINE H. FREAM, the testatrix therein named, as and for her last will, in the
presence of us, who at her request, in her presence, and in the presence of each other, have
subscribed our names as witnesses hereto.
t
~-B
4
..
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
)
( SS:
)
The undersigned, being the testatrix whose name is signed to the attached or foregoing
instrument, having been duly qualified according to law, does hereby acknowledge that I signed and
executed the foregoing instrument as my last will, that I signed it willingly; and that I signed it as my free
and voluntary act for the purposes therein expressed.
/i<"fn"dV1"'A jT~
JA~QUE INE H. FREAM
Sworn or affirmed to and acknowledged
berD r~,'. me by the t tr~,' n, ~m, ed above
1I11,. '!/ ~y ~f I, -1 u, ,,' u~r ' 2005.
'. ,', I' f1:' 7\
! ,V" II U
. .' TARli\L SEl'..l
"'JENDY S. CHESBRO, Notal)' =
Lower Allen T\\'D., Cumber'l3l1do. 2007
My Commissicli Expires ~I8Y 10,
C H OF PENNSYLVANIA
COUNTY OF CUMBERLAND
WE, !1,~...1 L. ~N or and W \ \ , the
witnesses whose names are signed to the attached or foregoing in strum nt, being duly qualified according
to law, do depose and say that we were present and saw the testatrix sign and execute the instrument as
her last will; that she signed it willingly and that she executed it as her free and voluntary act for the
purposes therein expressed; that each of us in the hearing and sight of the testatrix signed the will as
witnesses; and that to the best of our knowledge, the testatrix was at that time 18 or more years of age, of
sound mind, and under no constraint or undue influence.
,r affirmed to and acknowledged
t day of
,2005.
1&
h~ 0\^~
(
()
NOTARW. SEAl
WENDY S. CHESBRO, Notary POOflc
Lower Allen Twp., Cumberland County
My Commission Expires May 10,2007
5
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