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Home My WebLink About08-02-06 (2) 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 NUMBEI~ 21 COUNTY CO DE ~L YEAR 1023 ----- NUMBER I- Z W C W U w C DECEDENTS NAME (LAST, FIRST, AND MIDDLE INITIAL) ADAMS JOYCE DATE OF DEATH (MM-DD-YEAR) DATE OF BIRTH (MM-DD-YEAR) 11/5/2005 11/21/1932 (IF APPLICABLE) SURVIVING SPOUSE'S NAME (LAST, FIRST, AND MIDDLE INITIAL) u SOCIAL SECURITY NUMBER 204-26-9366 THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS SOCIAL SECURITY NUMBER w t- ~~CIl UO::~ wll.U J:OO uO::..J ll.al 11. <( W1 04 W6 09 Lim ited Estate Litigation Proceeds Received o 2. Supplemental Return 0 3. RElmainder Return (date of death prior to 12-13-82) o 4a. Future Interest Compromise (date of death after 12-12-82) 0 5. FElderal Estate Tax Return Required o 7. Decedent Maintained a Living Trust (Attach copy ofTrust) L 8. Total Number of Safe Deposit Boxes o 10. Spousal Poverty Credit (dale of dealh belweee 12-31-91 am 1-1-951 0 11. Election to tax under Sec. 9113(A) (Altach SchOI Original Return Decedent Died Testate (Attach copy of Will) THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: NAME COMPLETE MAILING ADDRESS I- Z w o z o 0- en w 0:: 0:: o U LINDA J. LUNDBERG, A.V.P. FIRM NAME (If Applicable) P.O. BOX 308 PNC BANK, N.A. TELEPHONE NUMBER CAMP HILL, PA 17001-0308 717-730-2265 3. Closely Held Corporation, Partnership or Sole-Proprietorship (3) 4. Mortgages & Notes Receivable (Schedule D) (4) 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) (5) Z 6. Jointly Owned Property (Schedule F) (6) 0 D Separate Billing Requested i= <( Inter-Vivos Transfers & Miscellaneous Non-Probate Property (7) ...J 7. :::) (Schedule G or L) l- ii: 8. Total Gross Assets (total Lines 1-7) <( U W 9. Funeral Expenses & Administrative Costs (Schedule H) (9) 0:: 10. Debts of Decedent, Mortgage Liabil~ies, & Liens (Schedule I) (10) 11. Total Deductions (total Lines 9 & 10) 108,900 219,989 o OFFICIAL USE ONLY 1. Real Estate (Schedule A) (1) 2 Stocks and Bonds (Schedule B) (2) o 22,164 o 121,035 472,088 (8) 37,826 3,903 (11) (12) (13) (14) 41,729 430,359 o 12 Net Value of Estate (Line 8 minus Line 11) 13. Charitable and Governmental Bequests/See 9113 Trusts for which an election to tax has not been made (Schedule J) 14. Net Value Subject to Tax (Line 12 minus Line 13) 430,359 SEE INSTRUCTIONS ON REVERSE SIDE FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) 18. Amount of Line 14 taxable at collateral rate o o x .0 ~(15) x .0 ~(16) x .12 (17) x .15 (18) (19) o o z o f= <( t- ::J 11. :;; o U X <( t- 17. Amount of Line 14 taxable at sibling rate 19,366 o 16. Amount of Line 14 taxable at lineal rate 430,359 19. Tax Due o 19,366 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 < < 3W4645 1.000 Decedent's Complete Address: S1REET ADDRESS 205 SCHUYLKILL AVENUE CUMBERLAND CITY CAMP HILL Tax Payments and Credits: 1. Tax Due (Page 1 Line 19) 2. Credits/Payments A. Spousal Poverty Credit B. Prior Payments C. Discount I STATE PA I ZIP 17011- (1) 19,366 o 8,550 450 Total Credits (A + B + C) (2) 9,000 3. Interest/Penalty if applicable D. Interest E. Penalty o o TotallnterestiPenalty (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) 10,366 A. Enter the interest on the tax due. (SA) o B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (5B) Make Check Payable to: REGISTER OF WILLS, AGENT 10,366 PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 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 Decem ber 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? . . . . . . . . . . . . . . . . . . . . . . . . . . .. D 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? D 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. [i] 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. Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowjed~le 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. Yes No [j] [j] D D D D [j [j ~ ~ OlC() - , Assistant Vice President DATE ~ , \. \ 010 , ~Ur?~ THER THAN REPRESENTATIVE \ U) ... E:::-'6-- ~\...\, \"'C> ~ DATE ADDRESS 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 PS 89916 (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 PS 89116 (a) (1.1) (ii)] The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death 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 89116(a)(12)]. 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 7'2 P.S, 8 9116(1 .2) [72 P,S, 89116(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. 8 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 COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE A REAL ESTATE REV-1502 EX + (6-98) ESTATE OF FILE NUMBER JOYCE U. ADAMS 21 05 1023 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 knowledge of the relevant facts. Real property which is jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM DESCRIPTION NUMBER 1. 205 SCHUYLKILL AVENUE CAMP HILL, PA 17011 LOWER ALLEN TOWNSHIP CUMBERLAND COUNTY (SEE APPRAISAL ATTACHED) VALUE AT DATE OF DEATH 108,900 TOTAL (Also enter on line 1, Recapitulation) $ 108,900 3W4695 1.000 (If more space is needed, insert additional sheets of the same size) REV-1503 EX + (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE B STOCKS & BONDS ESTATE OF FILE NUMBER JOYCE u. ADAMS 21 05 1023 All property jointly-owned with right of survivorship must be disclosed on Scheduh~ F. ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH 219,989 1.SEE STATEMENT ATTACHED TOTAL (Also enter on line 2, Recapitulation) $ 219,989 3W46961.000 (If more space is needed, insert additional sheets of the same size) JOYCE U ADAMS 27-27-004-3796482 SCHEDULE B COMMON STOCKS 322 SHS METLIFE INC COMMON @ 50.0915 DIVIDEND PAYABLE 12/15/05 16.129.46 167.44 MISCELLANEOUS PNC BANK. NATIONAL ASSOCIATION TRUSTEE UNDER AGREEMENT OF TRUST OF JOYCE U ADAMS DATED 1/14/04 ASSETS HELD AS OF 11/5/05 (DATE OF DEATH) BONDS 25 PAR USA SAVINGS BOND SERIES E ISSUED 01/01/78 DUE 01/01/08 @ 465.3600 116.34 25 PAR USA SAVINGS BOND SERIES E ISSUED 03/01/78 DUE 03/01/08 @ 395.6400 98.91 25 PAR USA SAVINGS BOND SERIES E ISSUED 04/01/78 DUE 04/01/08 @ 395.6400 98.91 25 PAR USA SAVINGS BOND SERIES E ISSUED 05/01/78 DUE 05/01/08 @ 386.4800 96.62 25 PAR USA SAVINGS BOND SERIES E ISSUED 07/01/78 DUE 07/01/08 @ 379.9200 94.98 25 PAR USA SAVINGS BOND SERIES E ISSUED 08/01/78 DUE 08/01/08 @ 379.9200 94.98 25 PAR USA SAVINGS BOND SERIES E ISSUED 09/01/78 DUE 09/01/08 @ 379.9200 94.98 25 PAR USA SAVINGS BOND SERIES E ISSUED 11/01/78 DUE 11/01/08 @ 383.5200 95.88 -1- JOYCE ti ADAMS SCHEDULE B 27-27-004-3796482 CONTINUED: BONDS 25 PAR USA SAVINGS BOND SERIES E ISSUED 12/01/78 DUE 12/01/08 @ 377.0400 94.26 25 PAR USA SAVINGS BOND SERIES E ISSUED 02/01/79 DUE 02/01/09 @ 377.0800 94.27 25 PAR USA SAVINGS BOND SERIES E ISSUED 03/01/79 DUE 03/01/09 @ 377.0800 94.27 25 PAR USA SAVINGS BOND SERIES E ISSUED 04/01/79 DUE 04/01/09 @ 377.0800 94.27 25 PAR USA SAVINGS BOND SERIES E ISSUED 06/01/79 DUE 06/01/09 @ 374.1200 93.53 25 PAR USA SAVINGS BOND SERIES E ISSUED 07/01/79 DUE 07/01/09 @ 374.1200 93.53 25 PAR USA SAVINGS BOND SERIES E ISSUED 08/01/79 DUE 08/01/09 @ 374.1200 93.53 25 PAR USA SAVINGS BOND SERIES E ISSUED 10/01/79 DUE 10/01/09 @ 374.1200 93.53 25 PAR USA SAVINGS BOND SERIES E ISSUED 11/01/79 DUE 11/01/09 @ 377 . 6800 94.42 25 PAR USA SAVINGS BOND SERIES E ISSUED 01/01/80 DUE 01/01/10 @ 370.2800 92.57 25 PAR USA SAVINGS BOND SERIES E ISSUED 02/01/80 DUE 02/01/10 @ 370.2800 92.57 50 PAR USA SAVINGS BOND SERIES EE ISSUED 04/01/80 DUE 04/01/10 @ 277 . 3600 138.68 50 PAR USA SAVINGS BOND SERIES EE ISSUED 06/01/80 DUE 06/01/10 @ 274.6400 137.32 50 PAR USA SAVINGS BOND SERIES EE ISSUED 07/01/80 DUE 07/01/10 @ 274.6400 137.32 -2- JOYCE U ADAMS SCHEDULE B 27-27-004-3796482 CONTINUED: BONDS 50 PAR USA SAVINGS BOND SERIES EE ISSUED 09/01/80 DUE 09/01/10 @ 274.6400 137.32 50 PAR USA SAVINGS BOND SERIES EE ISSUED 11/01/80 DUE 11/01/10 @ 251.7600 125.88 5 0 pAR USA SAVINGS BOND SERIES EE ISSUED 01/01/81 DUE 01/01/11 @ 246.8000 123.40 50 PAR USA SAVINGS BOND SERIES EE ISSUED 03/01/81 DUE 03/01/11 @ 246.8000 123.40 50 PAR USA SAVINGS BOND SERIES EE ISSUED 05/01/81 DUE 05/01/11 @ 236.2800 118.14 50 PAR USA SAVINGS BOND SERIES EE ISSUED 07/01/81 DUE 07/01/11 @ 231.6400 115.82 50 PAR USA SAVINGS BOND SERIES EE ISSUED 08/01/81 DUE 08/01/11 @ 231.6400 50 PAR USA SAVINGS BOND SERIES EE ISSUED 10/01/81 DUE 10/01/11 @ 231. 6400 50 PAR USA SAVINGS BOND SERIES EE ISSUED 12/01/81 DUE 12/01/11 @ 227.1200 50 PAR USA SAVINGS BOND SERIES EE ISSUED 02/01/82 DUE 02/01/12 @ 227.1200 50 PAR USA SAVINGS BOND SERIES EE ISSUED 04/01/82 DUE 04/01/12 @ 227.1200 50 PAR USA SAVINGS BOND SERIES EE ISSUED 06/01/82 DUE 06/01/12 @ 222.6400 50 PAR USA SAVINGS BOND SERIES EE ISSUED 07/01/82 DUE 07/01/12 @ 222.6400 50 PAR USA SAVINGS BOND SERIES EE ISSUED 09/01/82 DUE 09/01/12 @ 222.6400 115.82 115.82 113.56 113.56 113.56 111. 32 111. 32 111.32 -3- jOYCE U ADAMS SCHEDULE B 27-27-004-3796482 CONTINUED: BONDS 50 PAR USA SAVINGS BOND SERIES EE ISSUED 11/01/82 DUE 11/01/12 @ 212.4400 106.22 50 PAR USA SAVINGS BOND SERIES EE ISSUED 01/01/83 DUE 01/01/13 @ 208.2800 104.14 50 PAR USA SAVINGS BOND SERIES EE ISSUED 03/01/83 DUE 03/01/13 @ 186.6400 93.32 50 PAR USA SAVINGS BOND SERIES EE ISSUED 05/01/83 DUE 05/01/13 @ 179.4400 89.72 50 PAR USA SAVINGS BOND SERIES EE ISSUED 07/01/83 DUE 07/01/13 @ 176.6800 88.34 50 PAR USA SAVINGS BOND SERIES EE ISSUED 08/01/83 DUE 08/01/13 @ 176.6800 88.34 50 PAR USA SAVINGS BOND SERIES EE ISSUED 10/01/83 DUE 10/01/13 @ 176.6800 88.34 50 PAR USA SAVINGS BOND SERIES EE ISSUED 12/01/83 DUE 12/01/13 @ 169.5200 84.76 50 PAR USA SAVINGS BOND SERIES EE ISSUED 02/01/84 DUE 02/01/14 @ 169.5200 84.76 50 PAR USA SAVINGS BOND SERIES EE ISSUED 04/01/84 DUE 04/01/14 @ 169.5200 84.76 50 PAR USA SAVINGS BOND SERIES EE ISSUED 05/01/84 DUE 05/01/14 @ 164.7200 82.36 50 PAR USA SAVINGS BOND SERIES EE ISSUED 07/01/84 DUE 07/01/14 @ 161.8000 80.90 50 PAR USA SAVINGS BOND SERIES EE ISSUED 09/01/84 DUE 09/01/14 @ 161.8000 80.90 50 PAR USA SAVINGS BOND SERIES EE ISSUED 11/01/84 DUE 11/01/14 @ 161. 4800 80.74 -4- .)OYCE U ADAMS SCHEDULE B 27-27-004-3796482 CONTINUED: BONDS 50 PAR USA SAVINGS BOND SERIES EE ISSUED 12/01/84 DUE 12/01/14 @ 158.3200 79.16 50 PAR USA SAVINGS BONDS SERIES EE ISSUED 02/01/85 DUE 02/01/15 @ 158.3200 79.16 50 PAR USA SAVINGS BOND SERIES EE ISSUED 04/01/85 DUE 04/01/15 @ 158.3200 79.16 800 PAR USA SAVINGS BOND SERIES EE ISSUED 05/01/85 DUE 05/01/15 @ 158.3200 1,266.56 50 PAR USA SAVINGS BOND SERIES EE ISSUED 06/01/85 DUE 06/01/15 @ 155.2000 77 .60 50 PAR USA SAVINGS BOND SERIES EE ISSUED 08/01/85 DUE 08/01/15 @ 155.2000 77 .60 50 PAR USA SAVINGS BOND SERIES EE ISSUED 10/01/85 DUE 10/01/15 @ 155.2000 77 .60 50 PAR USA SAVINGS BOND SERIES EE ISSUED 11/01/85 DUE 11/01/15 @ 155.2000 77 .60 50 PAR USA SAVINGS BOND SERIES EE ISSUED 01/01/86 DUE 01/01/16 @ 152.1600 76.08 50 PAR USA SAVINGS BOND SERIES EE ISSUED 03/01/86 DUE 03/01/16 @ 152.1600 76.08 50 PAR USA SAVINGS BOND SERIES EE ISSUED 05/01/86 DUE 05/01/16 @ 152.1600 76.08 50 PAR USA SAVINGS BOND SERIES EE ISSUED 07/01/86 DUE 07/01/16 @ 149.2000 74.60 50 PAR USA SAVINGS BOND SERIES EE ISSUED 09/01/86 DUE 09/01/16 @ 149.2000 74.60 50 PAR USA SAVINGS BOND SERIES EE ISSUED 10/01/86 DUE 10/01/16 @ 149.2000 74.60 -5- ~OYCE U ADAMS SCHEDULE B 27-27-004-3796482 CONTINUED: BONDS 50 PAR USA SAVINGS BOND SERIES BE ISSUED 12/01/86 DUE 12/01/16 @ 131.5200 65.76 50 PAR USA SAVINGS BOND SERIES EE ISSUED 02/01/87 DUE 02/01/17 @ 131. 5200 65.76 50 PAR USA SAVINGS BOND SERIES EE ISSUED 04/01/87 DUE 04/01/17 @ 131.5200 65.76 50 PAR USA SAVINGS BOND SERIES EE ISSUED 06/01/87 DUE 06/01/17 @ 128.9200 64.46 50 PAR USA SAVINGS BOND SERIES EE ISSUED 08/01/87 DUE 08/01/17 @ 128.9200 64.46 50 PAR USA SAVINGS BOND SERIES EE ISSUED 10/01/87 DUE 10/01/17 @ 128.9200 64.46 50 PAR USA SAVINGS BOND SERIES EE ISSUED 11/01/87 DUE 11/01/17 @ 128.9200 64.46 50 PAR USA SAVINGS BOND SERIES EE ISSUED 01/01/88 DUE 01/01/18 @ 126.4000 63.20 50 PAR USA SAVINGS BOND SERIES EE ISSUED 03/01/88 DUE 03/01/18 @ 126.4000 63.20 50 PAR USA SAVINGS BOND SERIES EE ISSUED 05/01/88 DUE 05/01/18 @ 126.4000 63.20 50 PAR USA SAVINGS BOND SERIES EE ISSUED 07/01/88 DUE 07/01/18 @ 123.9200 61. 96 50 PAR USA SAVINGS BOND SERIES EE ISSUED 09/01/88 DUE 09/01/18 @ 123.9200 61. 96 50 PAR USA SAVINGS BOND SERIES EE ISSUED 10/18/88 DUE 10/18/18 @ 123.9200 61. 96 50 PAR USA SAVINGS BOND SERIES EE ISSUED 12/01/88 DUE 12/01/18 @ 121. 4800 60.74 -6- .!OYCE U ADAMS SCHEDULE B 27-27-004-3796482 CONTINUED: BONDS 50 PAR USA SAVINGS BOND SERIES EE ISSUED 02/01/89 DUE 02/01/19 @ 121.4800 60.74 50 PAR USA SAVINGS BOND SERIES BE ISSUED 04/01/89 DUE 04/01/19 @ 121.4800 60.74 50 PAR USA SAVINGS BOND SERIES EE ISSUED 06/01/89 DUE 06/01/19 @ 119.1200 59.56 50 PAR USA SAVINGS BOND SERIES EE ISSUED 08/01/89 DUE 08/01/19 @ 119.1200 59.56 50 PAR USA SAVINGS BOND SERIES EE ISSUED 09/01/89 DUE 09/01/19 @ 119.1200 59.56 50 PAR USA SAVINGS BOND SERIES EE ISSUED 11/01/89 DUE 11/01/19 @ 119.1200 59.56 50 PAR USA SAVINGS BOND SERIES EE ISSUED 01/01/90 DUE 01/01/20 @ 116.7600 58.38 50 PAR USA SAVINGS BOND SERIES EE ISSUED 03/01/90 DUE 03/01/20 @ 116.7600 58.38 50 PAR USA SAVINGS BOND SERIES EE ISSUED 05/01/90 DUE 05/01/20 @ 116.7600 58.38 50 PAR USA SAVINGS BOND SERIES EE ISSUED 07/01/90 DUE 07/01/20 @ 114.4800 57.24 50 PAR USA SAVINGS BOND SERIES EE ISSUED 08/01/90 DUE 08/01/20 @ 114.4800 57.24 100 PAR USA SAVINGS BOND SERIES EE ISSUED 09/01/90 DUE 09/01/20 @ 114.4800 114.48 100 PAR USA SAVINGS BOND SERIES EE ISSUED 10/01/90 DUE 10/01/20 @ 114.4800 114.48 100 PAR USA SAVINGS BOND SERIES EE ISSUED 11/01/90 DUE 11/01/20 @ 114.4800 114.48 -7- J'OYCE U ADAMS SCHEDULE B 27-27-004-3796482 CONTINUED: BONDS 100 PAR USA SAVINGS BOND SERIES EE ISSUED 12/01/90 DUE 12/01/20 @ 112.2400 112.24 100 PAR USA SAVINGS BOND SERIES EE ISSUED 01/01/91 DUE 01/01/21 @ 112.2400 112.24 100 PAR USA SAVINGS BOND SERIES EE ISSUED 02/01/91 DUE 02/01/21 @ 112.2400 112.24 100 PAR USA SAVINGS BOND SERIES EE ISSUED 03/01/91 DUE 03/01/21 @ 112.2400 112.24 100 PAR USA SAVINGS BOND SERIES EE ISSUED 04/01/91 DUE 04/01/21 @ 112.2400 112.24 100 PAR USA SAVINGS BOND SERIES EE ISSUED 05/01/91 DUE 05/01/21 @ 112.2400 112.24 100 PAR USA SAVINGS BOND SERIES EE ISSUED 06/01/91 DUE 06/01/21 @ 110.0400 110.04 100 PAR USA SAVINGS BOND SERIES BE ISSUED 07/01/91 DUE 07/01/21 @ 110.0400 110.04 200 PAR USA SAVINGS BOND SERIES EE ISSUED 08/01/91 DUE 08/01/21 @ 110.0400 220.08 100 PAR USA SAVINGS BOND SERIES EE ISSUED 09/01/91 DUE 09/01/21 @ 110.0400 110.04 100 PAR USA SAVINGS BOND SERIES EE ISSUED 10/01/91 DUE 10/01/21 @ 110.0400 110.04 100 PAR USA SAVINGS BOND SERIES EE ISSUED 11/01/91 DUE 11/01/21 @ 110.0400 110.04 100 PAR USA SAVINGS BOND SERIES EE ISSUED 12/01/91 DUE 12/01/21 @ 107.8800 107.88 100 PAR USA SAVINGS BOND SERIES EE ISSUED 01/01/92 DUE 01/01/22 @ 107.8800 107.88 -8- JOYCE 'Ii ADAMS SCHEDULE B 27-27-004-3796482 CONTINUED: BONDS 100 PAR USA SAVINGS BOND SERIES BE ISSUED 02/01/92 DUE 02/01/22 @ 107.8800 107.88 100 PAR USA SAVINGS BOND SERIES EE ISSUED 03/01/92 DUE 03/01/22 @ 107.8800 107.88 100 PAR USA SAVINGS BOND SERIES EE ISSUED 04/01/92 DUE 04/01/22 @ 107.8800 107.88 FUNDS 4.816.117 UTS BLACKROCK FUNDS LOW DURATION BOND PORTFOLIO FUND 87 INSTITUTIONAL CLASS @ 9.8800 INCOME TO 11/05/05 47.583.24 23.50 4 . 874 . 371 UTS BLACKROCK FUNDS ENHANCED INCOME PORTFOLIO FUND #170 @ 9.8300 INCOME TO 11/05/05 47.915.07 24.56 611 UTS ISHARES TR S&P 500 INDEX FD @ 122.1250 74.618.38 390 UTS ISHARES TR MSCI EAFE INDEX FD @ 57.1025 22.269.98 TOTAL SCHEDULE B 219,988.86 -9- REV-1508 EX + (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY ESTATE OF JOYCE u. ADAMS FILE NUMBER 21 05 1023 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 NUMBER DESCRIPTION VALUE AT DATE OF DEATH 1 SEE ATTACHMENT 22,164 3W46AD 1.000 TOTAL (Also enter on line 5, Recapitulation) $ (If more space is needed, insert additional sheets of the same size) 22,164 27-27-004-3796482 .tOYCE U ADAMS SCHEDULE "E" CASK " CASH FOUND IN DECEDENT'S PURSE 3.63 :BEVERLY ENTERPRISES REFUND OF :BALANCE IN PATIENT PERSONAL FUNDS ACCOUNT 125.80 BEVERLY ENTERPRISES REFUND RE OVERPAYMENT OF NURSING HOME :BILL 62.30 COMMONWEALTH OF pENNA PSERS PRoRATED pAYMENT 11/1/05-11/5/05 76.53 DONEGAL INSURANCE COMPANIES REFUND OF HOMEOWNERS INSURANCE COMMoNWEALTH OF PENNA PROCEEDS ON CLAIM FOR ABANDONED PROPERTY 370.00 1,345.69 COMMONWEALTH OF PENNA REFUND 2005 PA INDIVIDUAL INCOME TAX 511.00 PNC BANK. NATIONAL ASSOCIATION TRUSTEE UNDER AGREEMENT OF TRUST OF JOYCE U ADAMS DATED 1/14/04 CASH PRINCIPAL CASH INCOME TO 11/05/05 18.070.78 8.61 18,079.39 MISCELLANEOUS JEWELRY 125.00 PERSONAL PROPERTY 1,465.00 TOTAL SCHEDULE "E" 22,164.34 -1- REV-1510 EX + (6-98) SCHEDULE G INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF JOYCE U. ADAMS FILE NUMBER 21 05 1023 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 NUMBER 1. DESCRIPTION OF PROPERTY INClLOE THE NAME OF THE TRANSFEREE, THEIR RELATIONSHIP TO DECEDENT AND THE DATE OF TRANSFER ATTACH A COPY OF THE DEED FOR REAL ESTATE % OF DECD'S INTEREST DATE OF DEATH VALUE OF ASSET AMERICAN ENTERPRISE INSURANCE COMPANY RIVERSOURCE CONTRACT OWNER: ANNUITANT: CONTRACT NO.: BALANCE AS OF LIFE JOYCE U. ADAMS JOYCE U. ADAMS 9920-5865707 DATE OF DEATH 3,678 100.0000 2 AN AGREEMENT OF TRUST EXECUTED ON FEBRUARY 25, 1992, BETWEEN ALVIN A. ADAMS [DECEASED 07-25-03], JOYCE U. ADAMS, HIS WIFE [DECEASED 11-05-2005], LARRY E. ADAMS, THEIR SON, AS SETTLORS AND DAUPHIN DEPOSIT BANK AND TRUST COMPANY, NOW M & T BANK, TRUSTEE. THE ASSETS HAVE BEEN REVALUED AS OF THE DATE OF DEATH OF JOYCE U. ADAMS. INCLUDED HEREIN IS HER ONE-HALF (1/2) SHARE. 109,993 50.0000 3 METLIFE TOTAL CONTROL ACCOUNT NO.: 4030068349 BALANCE AS OF DATE OF DEATH BENEFICIARY: LARRY E. ADAMS 4,258 100.0000 4 RIVERSOURCE AMERICAN ENTERPRISE LIFE INSURANCE COMPANY CONTRACT OWNER: JOYCE U. ADAMS ANNUITANT: JOYCE U. ADAMS CONTRACT NO.: 9920-5947043 BALANCE AS OF DATE OF DEATH 58,103 100.0000 TOTAL (Also enter on line 7, Recapitulation) $ (If more space is needed, insert additional sheets of the same size) 3W46AF 1.000 EXCLUSION (IF APPLICABLE' TAXABLE VALUE o 3,678 o 54,996 o 4,258 o 58,103 121,035 ........,-'...-.:;"""0 .Lq. ~ ~ I:lANK E$tate ~Ilultion Dlte of Death: 11/05/2005 Valult~on Date: 11/05/2005 Proela.inq Date: 01/2312006 Shues or per &tCU1:1ty Description Riqh/~sk Low/B~d 1) 21 13S2.3~ caeh lCASHI 81S.(!( "18 GROUP res (55376t601) tQ'1'Y INQf II .!utllal fund lat quoted ~l NASDAQ) 11/04/2005 ~.9COOO Mkt 3) 2656.037 ~rs GROef FDS ISSJ76T6921 J..CP S'rl( 1 I Hucual Fund laa quoted by ~\SDAQ) 11/04/2005 a.13000 Mkt 41 363.372 kt& GROUP ros (5S31EtSl01 HIP ell GPo" I I Mut~al FunQ (as quote~ by ~CAO\ 11/C4/200S 16.34000 /1i:t s) 1115.S2S MTB GAOUe ros (SS376teSSJ :INCOME I % Mutual runcl (u q\loted by Ni\SO~1 1l/W200S 9.70000 Wl:t 61 2615.063 MT2 GROUP rDS (SS31ETS17) IN1\l.M BD J: 1 MUtual !'und (a! quoted by N.\SOAQJ 11/0412005 S. 75000 ~kt 71 1157.612 MrS ~OUF ros (55376:1891 St\l.M CORP SO I I Mutual FUnd (as quoted by AASCAQl 11/0(/2005 9.12000 Hkt 51 :956.775 MTS ~~p ros (S:J16Vl0S) OSG'lS~rI Mutual Fund las quoted DY NASCAQ) 11/04/2005 9.22000 Ml;t Total Value Total. Aeexual Total $109,993.39 LESS: 50% SHARE OWNED BY LARRY E. ADAMS 54,997.39 TAXABLE SHARE IN ESTATE OF JOYCE U. ADAMS 717 730 2254 P.03/03 Estate of: Joyoe ~aros "aport. Type; llat.e of Death ~er ot Slcu:ltitr: 8 Fll~ U: ;~dU\. ~ean and/~: ,iv and Int Sec~rity Mj\:!ltIllnt.$ Aecruah ValuQ 1,3S2.3~ 9.9000(0 e.013.39 e.1300tc 23.lS1.20 16. 3400CO 5.937.S0 9.'700000 10,620.62 9. ~'SOOCO 25. 49E. 86 9ncoc~ ~7,Ot3.99 9.22COOO 15,041. U S10~, S93. H ~O.CO (54,997.39 ) 54,996.00 Page 1 This report was prodUe@d with EStatQVa1, a product of Estate valcations , prlcinq Sy~t~l,,2nc. If you have qUQSeions, please contact EVP Systems at \B1Sl ;13-6300 or ~~4.evp5~5.~. (~svis~cn 1,0,31 TOTAL P.03 REV-1511 EX + (12-99) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS ESTATE OF JOYCE U. ADAMS FILE NUMBER 21 05 1023 Debts of decedent must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT 1. FUNERAL EXPENSES: AUER MEMORIAL HOME & CREATION 1,549 A 1. ADMINISTRATIVE COSTS: Personal Representative's Commissions 15,482 B. Name of Personal Representative(s) PNC BANK, N. A. Social Security Number(s) I EIN Number of Personal Representative(s) Street Address City State Zip Year(s) Commission Paid: 3. Attorney Fees CHARLES E. SHIELDS, ESQUIRE 10,321.00 ANDREW SHEELEY, ESQUIRE 5,161.00 Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) 15,482 3,500 2 Claimant LARRY E. ADAMS Street Address 205 SCHUYLKILL AVENUE City CAMP HILL State PA Zip 17011 Relationship of Claimant to Decedent SON 4. Probate Fees 5. Accountant's Fees 6. Tax Return Pre parer's Fees 7. 1 SEE STATEMENT ATTACHED 1,813 3W46AG 1.000 TOTAL (Also enter on line 9, Recapitulation) (If more space is needed, insert additional sheets of the same size) $ 37,826 JOYCE U ADAMS 27-27-004-3796482 SCHEDULE "H" ADMINISTRATIVE EXPENSES 11/23/05 CHARLES E SHIELDS III ESQUIRE REIMBURSEMENT FOR PROBATE COSTS 264.00- 11/30/05 LG CONNOR REAL ESTATE APPRAISERS APPRAISAL FEE RE REAL ESTATE 300.00- 12/21/05 ROSE MARIE'S ANTIQUES APpRAISAL FEE RE JEWELRY 25.00- 12/22/05 REGISTER OF WILLS SHORT CERTIFICATES 20.00- 1/10/06 S E S INSURANCE SERVICES INC INSURANCE PREMIUM 54.00- 2/14/06 S E S INSURANCE SERVICES INC INSURANCE PREMIUM 378.00- 2/17/06 CLAUDE C WOLFE & ASSOC APPRAISAL FEE RE PERSONAL PROPERTY 225.00- 4/10/06 BONNIE K MILLER TREASURER 2006 REAL ESTATE TAX 349.81- 6/06/06 CHARLES E SHIELDS III ESQUIRE REIMBURSEMENT FOR LEGAL ADVERTISING 197.51- TOTAL ADMINISTRATIVE EXPENSES 1,813.32- -1- REV-1512 EX + (12-03) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF JOYCE U. ADAMS SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS FILE NUMBER 21 05 1023 Report debts incurred by the decedent prior to death which remained unpaid as of the date of death, includin!~ unreimbursed medical expenses. ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH 1. SEE STATEMENT ATTACHED 3,903 3W46AH 2.000 TOTAL (Also enter on line 10, Recapitulation) $ (If more space is needed, insert additional sheets of the same size) 3,903 JOYCE U ADAMS SCHEDULE "I" DEBTS OF DECEDENT 11/10/05 PNC BANK. NATIONAL ASSOCIATION ~USTEES COMPENSATION DONEGAL INSURANCE COMPANIES INSURANCE PREMIUM 11/16/05 11/23/05 PHILHAVEN SERVICE 11/23/05 PHARMERICA PRESCRIPTION COSTS 11/29/05 VERIZON SERVICE 11/29/05 METZGER WICKERSHAM PROFESSIONAL SERVICES RENDERED DURING DECEDENT'S LIFETIME 1,452.00 + 135.50 MISCELLANEOUS EXPENSES 42.54 12/01/05 EDWARD A ROSBOSCHIL MEDICAL SERVICES 12/06/05 PHARMERICA PRESCRIPTION COSTS 12/09/05 PHILHA VEN SERVICE 2/17/06 CUMBERLAND COUNTY TAX CLAIM BUREAU 2005 DELINQUENT COUNTY TOWNSHIP REAL ESTATE TAXES 7/24/06 CHARLES E SHIELDS, III, ESQUIRE PROFESSIONAL SERVICES RENDERED DURING DECEDENT'S LIFETIME TOTAL SCHEDULE "I" -1- 27-27-004-3796482 183.16- 418.00- 61. 66- 222.36- 7.33- 1,630.04 7.58- 10.51- 61. 66- 381.47- 918.75 3,902.52 REV-1513 EX+ (9-00) SCHEDULE J BENEFICIARIES COMMONWEAL TH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF JOYCE U. ADAMS NUMBER I NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under Sec. 9116 (a) (1.2)] LARRY E. ADAMS 205 SCHUYLKILL AVENUE CAMP HILL, PA 17011-7322 RELATIONSHIP TO DECEDENT Do Not List Trustee(s) FILE NUMBER 21 05 1023 AMOUNT OR SHARE OF ESTATE 1 100% of Residue: 430,359 Son 430,359 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 3W46AI 1.000 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 LAST WILL AND TESTAMENT OF .JOYCE {J. ADAMS 1, JOYCE U. ADAMS, an unremarried widow, currently of Lower Allen Towship, Cumberland County, Pennsylvania being of sound and disposing mind" memory and understanding, do make, publish and declare this my Last Will and Testament, hereby revoking and making void any and all prior Wills by me at any time heretofore made. 1 I direct the payment of all my just debts and funeral expenses as soon after my decease as the same ean conveniently be done. 2. There is currently in existence a Funded Revocable Trust Agreement made byme, my late husband, and my son Larry E. Adams, with Dauphin Deposit Bank and Trust company for the benefit of my said son, dated February 25, 1992. Dauphin Deposit Bank and Trust Company has, through various takeovers and mergers now been succeeded by Manufacturers and Traders Trust Company, more commonly called M & T Bank. It is currently being considered as to whether or not this Trust needs to be revoked in an effort to order my affairs in a bctter and more productive fashion. In the event this Trust is revoked or amended or in the event before the date of my death a new and similar trust is established, I hereby give, devise, and bequeath all the rest, residue and remainder of my estate, real, personal and mixed, whatsoever and wheresoever situate to the Trustee of such Trust or Trusts, as the case may be. I am currently contemplating naming PNC Bank, National Association as such Trustee, but this grant and gift shall be considered to go to any Trustee or Successor Trustee of such Trust or Trusts, as the case may be. My Trustee shall add the property given, bequeathed and devised by this Item to the principal of such Trust or Trusts, as the case may be, and shall hold, administer and distribute the property in accordance with the provisions ofthe said Trust or Trusts, as the case may be 3. I nominate, constitute and appoint my son, LARRY E. ADAMS and PNC BANK, NATIONAL ASSOCIA TION, to be the Co-Executors of this my Last Will and Testament. I further direct that they shall not be required to file bond or other security in the Office of the Register of Wills for the purpose of administering my Estate. 1: WITNESS WHEREOF, I have h...unto set my hand and goal this ''At/-{7 -, A.D. 2004. Jiol day of ~t~-p-- ~~ JOY~D~ (SEAL) '1'I..I~~;'h~ Signed, sealed, published and declared by the above-named JOYCE U. ADAMS, as and for her Last Will and Testament, in the presence of us, who at her request and in her presence, and in the presence of each other, have hereunto subscribed our names as witnesses. ~I!~~ ~4 ';1 ,1 ~j I -! . ~ .! 1 ~ ~ 1 .1 1 . :1 APPRAISAL OF REAL PROPERTY LOCATED AT: 205 SCllUylkill Avenue Lower Allen Township, Cumberland County, Camp Hill, PA 17011 FOR: ESTATE OF JOYCE U ADAMS cia PNC Bank NA PO Box 308 Camp Hill, PA 17001-0308 AS Of: November 5, 20050. (Retrospective as of the Date of Death) BY: Karen Darney PA State Certified General Real Estate Appraiser L. G, CONNOR REAL EST ATE APPRAISERS L TO 2159 Market Street, Camp Hill, PA 17011 LG. Connor Real Estate Appraisers Form GA2 - "TOTALfor Windows" appraisal software by a la mode, inG. - 1-800-ALAMODE File No. 05-155 November 28, 2005 L. G. Connor Real Estate Appraisers, Ltd. 2159 Market Street Camp Hill, PA 17011 PNC Bank, Trust Department A TIN: Linda Lundberg PO Box 308 Camp Hili, PA 17001-0308 RE: 205 Schuylkill Avenue, Camp Hill, PA 17011 Estate of Joyce U. Adams Dear Linda: Pursuant to your request, I have prepared a 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 neighborhood 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 as stated in ttle body of the appraisal and contingent upon the certifications and limiting conditions attached. Please clo not hesitate to contact me or any of my staff if we can be of additional service to you. Respectfully. If,{ '('/ '\ !)lllic ( ;' I<.aren;barney Pennsylvania State Cer1ifiedGeneral Real Estate f\ppraiser Form OCVR - "TOTAL for Windows" appraisal soltware bV ala maae, inc. - 1-500-ALAMODE SUMMARY OF SALIENT FEATURES sublect Mdress 205 Schuylkill Avenue Legal Description Deed Book. Page City Camp Hill County Cumberland Stale PA Zip Code 17011 Census Tract 25420-0110.0 Map Relerence ADC 20 C4 Sale Price S NA Date of Sale NA NA PNC Bank, Trust Department 807 S Average 48 years Average 4 2 Karen Darney, Certified General Real Estate Appraiser November 5,2005" (Retrospective Value as of the date of death) Final Estimate 01 Value $ 10B,9DO Form SSD - "TOTAL for Windows" appraisal software by a la mode, inc - 1-800-ALAMOOE lOpertv Addr ess _-._____... .~_ r1l1 . ......"...... 111;;'''- U..-II City Camp Hill 126 LInd u" ching. [8J Not <<kely 0 Ukely o In process To: 'olectlnformation for PUDs (If applicable) . . Is the de~eloper/builder in control 01 the Home Owners' Associalion (HOA)? Yes U No Jproximate total number of units in the subject project ____~_ Approximate total number of units tor sale in the subiect proiect _____ lscribe common elements and recreational facilities: mellsions .!l~.9.5'.l<.!l.1.~5':"'x 159.~~nclosed de.EJL___~__ Topography ~"ellQ.e.nll.El.r~a.r:..~clinL_~ te area_018_a~Jlr:-'.,IJ<..(jffice _ Corner Lot I] Yes [J No Size Averag'Uor area lecific zoning classification and description B::..L.. Singl~amily E.stablished Residellliat Shape J:ri<ll1!lulaI___.____ 'ning compliance [..] Legal [J Legal nonconforming (Grandtathered use) [J Illegal II No zoning Drainage ..6!l~e..ar~ Ad_eqtJ~__ )hesL&nbest ususin]j)(9.wLL:JJ'r:es.~glJJ~ ___Ll.9llieL~tXjJlai~_____._____.~_ Vi,w .6verage ~tre.et.. ___.__. ilities Public Diller Oil-site Impro~ements Type Public Private Landscaping TyfJical for lhe.area._ _~__ ~ctllcily Street.Mac~.?I1l._____.__ .] II Driyeway Surtace C:;erneflt& f'.altMa<:..adil.rT1___ s ClIIb/guller .!'Jon_L______ ! I I Apparent easements .:3tand.arct. Utility _ ll~r _.~.___._____ Sidewalk _t-l<J.n",. .____._~_~ I 1.1 FEMA Special Flood Hazard Area ! 'I Y~-ITNo-' III!ary sower _~_._~______ Street lights _Ad.!'!gy~t",---______ Ii. I lEMA Zone S._ n . .__ Map Date3.:}()::Z? Allel'_._t-.lo~___ ___~U__~U FErvLAMapt'io.n421016.J:l____. _ _ .___ _ ___ IIII11enls I,pp;;rent ad~erse easements. encroactllnents. special assessments. slide areas, illegal OIlegalnonconlornling lonlllg IIse. ete ) Sta~dard____.._ IS e ment s .for:.ele clri cel eler 11Ql2eLelc.. Tiler", ilr.e l1.o.kn.Q.Wl1..()LajJ!l.arllflt.a<:lv.e rseeas.llf11JlI1~,-"ncr2..a.ch-,n.Ell1ts. _or.c()~ditialls-'h_at"'-o..lJld__ .gativeIYJl.n act on ttle value of the sUb'eet ro ert . NERM OrSCIIIPlION EXTERIOR OESCHIPTlON FOUNDATION olllnits 1. FOllndation COflcrete,.E310ck Slab 01 Stolies 1 .. Exterior Walls i\lulT1inul11_. __. Crawl Space Je 10e\ At\ 1 Detac_hed Root SUliace~hir1gle _. Basement sign IStlle) Rarlch. Gultels & Ownspts Alul1l&.i\lul1l____ SUlllp Pump stlng.Propl)~'ed .Existing_ __. WlndiJw Type Vinyl.DH. _._ Dampness e (Yes) 48.. '1ears_ S\OIfP;Screens ThermQlYes _. Settlement 'ctlye Aoe u~ 10 ea~s Man..lJla. ctlfred HOlls.e. ... No [n...t.0..5!.".'.'on OMS Foyer LIYllfq. _ DlnirLQ _. Kitchen. Den Family Rln, ~PPloqt _ _ _ ,pl1 _ n i area rei 2 _ 2I!erl <llea al~;lde conlains 4 11001115 2 8edluuIlJ s I 8~\liI ~ '111011 MilIPliills/CulJdltifln, IItA liNG KII CIIEN fllIJIP. ^ TlIC f,~;IINIII[S )IS CarpetIAv.\L...u_ . ..~! lype FHA.._.... l1elliqc:riltur NOlie Fllrplace(sl # Is [)rywallePilneVAv9. . fuel {)il_._ l1angeiOven Stalls Pallo l/Finr511 .'{\Io()dE_ainte.cJI!-,,-g__ C2ndl\loni\vg~__ Disposal Drop Stair Oeck 1 floOl Carp"tli\v9_.. _..n...'iCOOUNG Yes Dlsnwasher Scutlle [orr:h Front 1 Wainscot FJbergfassIAvg...___;Celltral _Ye.s..___ fan/Hood I Floor [PIKe ns .VVood.JIL!.sh~AX!L..~ ;OlherVVall Microwave Healed Pool 'Condition Av Washer/D er finished Small Stled [Jrlvewa 2.3 itionatleatlJ!es (special energy eHicient Items, etc.) _YJ.nylf.hl''.l11opal1",-,e.flla.c;elTl.eflLwifl(jOWSttllO_U9t1.tlutTtlr.uwali air conditioningynrt.rn living ITljJpdat~clJ<itc:b..e~OlIJ!fl.EJls_.E31JiIHIlI'I<li!.storag" in dirling_flr.f'.aI()f.<ll<O<1.Qv.El.' b~elTlel1lstep",.C()nc.r.ele (Se~.I'dd~dulT1)n dition of tile irllproyements, deprecia\lonlphyslcal, lunctionai, and external) repairs needed. quality at construction. !prnodeling/addltlons etc T_he h2..n1et~as ~~I11<lirlt.<li.n ~ nd i~.~ er<I geG(jllc!itiQI1'-.Ih.erfl.-"".l'r_e_n2. aJJ2.a re.lll.flJll_ctiQ~lir1ild..e.<1U<lci<3 ~ ..l'tl.e GOIlS' rucliOI1 qu<liity J.s.._\ypi~a lIar \ he_ ~..he estimated effecti""'_"Q.fl...is_~IOw ttJ.e!_ilc;.tuat age...cJl!~to.J11.ainten~nc:e, conditi<Jl1.jlnct..cofjlj'lolris.ol1JQ.c()rnpefir1!l. neigh..bori}(jo<1L.__ ~~I~Freci alia_illS a!lrib utecJjo.<l9.e....~ct. def~rre(jJTlaJr1tenancec_Uill~ ~th erwi s."-.flle.nti<l..l1.ech.tll,Elre w_er.e....l1.oj~e"'.i\dde nd u m) me enYironrnental conditions (slIch as, but not limited to, hazardous wastes, toxic substances. etc.) present in the impcovemenls. on the site. or in the 'ediate vicinity of the subject property . .l~rQ~e..rty. is...<lL~I1.a.9..e.l'I.here _1~ilc1Jlas",cf p_ail1t.ll1ilYJ:l.e..pr",s..e_nL Th", .nl.arkeLdo.esflP.tp_ellaNz..ej.!1.EJ_ perty, but the eNent should be advised of it's possible existence. It is assumed that it is not present. Your See Addendum ac fonn 70 6/93 PAGE 1 Of 2 Fannie Mae Form 1004 6/93 Form lIA2 - "TOTAL far Windows" appraisal sollware by a la mode, inc. - 1.800.ALAMODE NA Nil, Full Fioor Drain tJone noted See Comments _ .'_"_" no.__ _ _ NOlle noted . Rec.Hrn Bedrooms B/ISEMENf Alea Sq Ft 807 % Finished 0 Ceiling Unfrni"lled .Wrtlls Ulllrnlslled. . filar Cement OutSide EntlY Yes. Ir,SlJfA liON 11001 .. Ceiling \\'dils fluor iJfJnp !Jnknmvll Ii Berths 2 5 1 f""ldIY X OU'P! Alea Sq fl_ 807 807 S07 ~;qll.!lr' I~!,t at r.;IU" LrvillQ Alc:l eMI SllJRAi;t i I Nunr Galooe M"chpil # 01 cals J arage/Carpo!t _ Sq. Ft @$ olal Estimated Cost New ...........'" $ ess Physical Functional External >epr8cllillon I I .. $ ~preCIBted Value of Improvements .................................. =$ '1.ls' Value of Site Improvements ..... ............................... ..$ I CATEDVALUEBYCOSTAPPROAClI ............................... ITEM SUBJECT COMPARABlE NO. 1 205 Schuylkill Avenue 2130 Wentworth Drive dd se Cam Hill PA Cam Hill PA roxlml 10 b 0.28 miles aI s Pllc Hj;l .~.'.'1i'I'; .1\: c G OSI ala and/or eritlcatlon Source ALUE ADJUSTMENTS ales or financing oncessions ate of Sale me ocation easehold Fee 8im Ie ite 0.18 acre ~~ Avg. Street ~.2Smanl1.APp~aL_ Ran,c:h I Avg. ~.?Ii!Y JlfC.Qrl~tru_gLo1L-'" ve~<!9. e ge___ ...4.8_3EJ<l~S~ onuilion ....6.veraJlEJ__ ____ Jove Glaue .Iotal~~u!fT1$.:......~a.tlls... oom CIllllli...!.. .~~_~__1....... lOSS Lrvillr!l\rPn .. ._8D7_5g It.. lSP!11Pllt p~ rlnish~d Full basement 101llS nel""'.1 bloUp Toilet & Sink Jflctiof1:J1 U!ilty Average o;illIl'lrCrri!llI.q FHA & Cenl Air Ir'lIli f 11"'11'.11111'11" Aver8ge !ldW':f:l!)lllll G3rc1.~Jc .x1 Will, I'p,;i< Srn. Porel1 None Siled SIIMA1EU SIIE VALlJE ....'" $ STlMA 1 EO REPROOUCTlON COST .NEW.OF IMPROVEMENTS: 'welllng 807 @$ = $ 807 ~ . . (, @$ COMPARABLE 110. 2 1908 Carlisle Drlve Cam Hili PA 0.82 miles +1 500 COMPARABlE NO.3 85 Oneida Road Cam Hill PA 1.29 miles %:!(.i,,1;6O' /'" 1 09 900 105.47 rt:J ;o~~"'~~.\"I; MLS; Exterlor Inspect. Courthouse Records OESCR\P1ION + - $ M' st. Conventional Costs 7-22-05200M Avera e Fee ~Ie 0.17 acre. Av~treet 8<lI1.c...h) A~Q... />,~~~~ ~5'y~ar~..___~__ __ !'..verage... ----~---~- TllIal; Burms~J3aths... .~.L2..~u1__, .._._1Jl42....SuL~_. None NA -3 297 +500 ..=~l()Q +5.000 +500 n___+2,()OQ + 1.UOO Average FHA 8. CentAir I\vcrage G"r"t]c x 1 E'ncl. Porch "one SI\ed .1.000 Air . ~~Q()D _ .2.000 .500 'IHI .L:L_..._ 8UO 3A97 IjI!c;tn(j r'!ICR 0.7 % 1'- .Cr"\;I,,,,!lI.I!'__~_ _~n___" ...J'1Q;;~1.?nlL. 110.800 1I11I!l!'I:l'; 1"1 (~f!I1I~I(lI(SU(1 (u1c1l1dillg \lIP, SUlliflc\ plopr,lty's (DIl1j1ntibi\ily to the !)pighLI{)!\1oo(l, plCl S<l.les. of hOfllPS of simi!ar_ size with bZ1sel11ents ere lirlllll"l NIA! a 1I1010Ugl1 sealch of all available data.H1e com~8ral)lescilosen were consldereclllle best available I\ctj\ls\l1\ei1ls were ,ade 10 ,pl\pel suhslanli;iI diHerences IJelween tilecol1lrarabte rroperties8nd tI1e subJect 11,,; adlustlllPllls Ih"t 1"'81 e I"ade rellecllile pic~l c1l.'ti'H15 of_ buyers anel sell~rs in th~ rn~\_rt~,~tp\8_ce~_Sd}e_ tt?Jo~dtio1_1__ddjust!1len_\ reflects:11fellor Icc.Jtion C111 hi~J!H?r lrCifflcked rOdd ;-\11 ,Ips C'-'I\srcl~recl equally Consideration given to factthal tllere is 8 linllled supply of homes fo. sale ill IIlls prrc;e range IIU.I SUBJECT COMPI\RABLE NO.1 COMPI\RI\81.E 110 ? CIH,IF!\fL\fJI.E lin :1 ,In rll!;n ""I! 1),,1;1 N.I\ $8~.900 $65,000 $100 (!! $8l1.1100 IIrr:r, kli fllirll N^' 2-5-97 10-28-98 7/'?rl,'/8c) 9i2G/()3 1II!Il_Vr:;t1 ul ,;'fH'I;II~::J1 ~~_A Courthouse Records Coulthol1s~ F~cr::md~, Cou!'lh0tJ~;8 Records IJI r'I';i('llf ~1f11"Pllll:ll~ ()j :;;lIp, upllrJil, IH li~!in9 uf C;IIIJjPr,! prcpr::r!y rlWJ ~!1;tlYSIS nf 211Y lJllrlf rd ;jf1(j VP'l[ !III' III ulJjer:t 1\8" not transferrecj rn tire pasttllreeyears Camps #1. &.#2.didnol transferred rn ~ast 12 mOlrllls ~3ale 113 trcnslerred from husband wile for 1; 100 as paltolclivorce selllement Subject is notlisledontl1eopenfj1arKe\nor unller eonlact for purctl8se W:^ IFf) VM IIF BY S^LES COMr.~nISON ^rrnO^Cll 10Gcl(l() )IC^lEtl..~^LUF. RY INCQME M2PJjO~c:t1j~.^.I'J!~~~~:L..t;~III;JtI'Ul1.0!.I\I'II:l'lIt __~_____~_U.2'-"~J.I::~L.I\I~01';1!"- ...u____ __... .. _._____ s ;1\'(\1;1\<.;;11 i',; 111;HIe I ';l" is" I S.U\lWC.\ to t\\l': I Pjli1i\ 5, ?l\h:\il\iI._ms, \\\sj\r\~\i\Jns 01 Cl)1HJtt\I)llS ll<.;~rd t'l CUI1IpH:r111 \1"1 plllIS? "rrl 'II(' 1("I:h lrliti'm~ 1,1\ ~\l t~o W<lrr_C3_nty of thfs arPT3isaL is"_g_ilJ~ll_ or irTlpli~~__ No_ ]j8_~ility _is. a_ssurned Jar the shucl,ur2t1 (meliOr !IF;r' hanteal elements of !'! S~_hle(l _I\JO}E:_ F'_rop~rty i? 8p~r~ise9ur1d~r the _a~?_urnpt!O!~ th_9tth_~r_e al'eno! a_dve_rse _structur8! conditions rfl~:::,efl! n[;'lwli>'1UPII Due 10. tile .Iack ofqualily._8nd _quanUly..of rent8Idata.(he_lncomeApproacil was conslder~dln8ppl oprrate alld n:)t I illllced rea!es! weigllt was givenlo!ile Sal,;s Comparison.Ap~.roach as .itreflect,; tile lyrical actions ofbrryer sand sellers rn tile open nlal ket u'" Petros~ecUvel\i18fketValue as ofU1e Date of Deatil of Joyce UAdallls ; plJrpus(' uf 1I1is apprrlisal is to rstimale the 1ll3Jket YrI!ue uf tile u:dl propPlty tllat is the subif2ct 01 tllis lepmt. 11?iSf:\1 011 the i1buvp cOllol1iullS ;lllrj tlw c"IIIlICilliUI1, (_~()llllflGi?llf Ilrlllil!llg CDIIUllion\ allll malkrt vclue nellllllilJl1 tilR! are slaled il1 tilr, atiadleu fredui~ I'ilac 1'01111 439;11J1'il^ IUllnlUO,W (l1r:VlSI'd June 1993 ! IE\ ESilMA1ElHE ~MRKE1 V^LUE, AS DEFINED, OF1HE REAL pnOPEnTYTHAT IS THE SUBJECT OF THIS REPORT, AS Of November 5. 2005" tiCH IS THE DATE OF INSPECTION AND THE EFFECTIVE DATE OF THIS REPORT] TO BE S 108.900 ~~\~I:~E: L \ ' r Z ~ I(~(\...J (1) ;t!lJ (<:/ _ __ ___ ~~:~t~~;~OR~:_RAIS: IONL Y~ REQUI:OI 11' _ _ f<.<l!e.n ...o.'l'.'18Y .PCI_c;~rtlfted C3f:ne.rJ_R E ."'Jl.pral~e!_ ~Rl11e.._ _ _ .._ _ _ .eRepOlt~IQI1r;d _.t':I<J.\{f~rnb~L;?~200t;___ ~______ [)dt~J1eQQI1_~LqrJeL.___._ te Cel\ili\:.<l\\Q!tjI. 96.0U126()l,_ ___~.. . __.~t.e. PA_ ~ta!U:.r:r:tiJl@tIQnJi'_.___.. State License # State Or State License # Mae form 7;J 6/93 PAGE 2 OF 2 fDlm lJA2 - "TOTAL 101 Windows" appraisal software by ala ITlOde, ine - 1.t:OO.ALAMODE Old · D,d I'DI Inspecl Property 5Iate_...__ Stale Fannie MRe form 1004 6.93 . -. . ."'-"."""'''. ~ :::"_~._..___.~.._.n._.._~ ___ .!!9MrltMdJess 205 Schuylkill Avenue City Camp HIU County Cumberland Le e PNC Bani it Department SIa' ~t.. ZlD Code 17011 . URAR: Nelahborhood Characteristics Cont'd: west of Route 83; and north of Lisbum Road. The Camp Hill State Correctlonlallnstitution is immediately south of th.e subject but npt within view. This should not affect marketability. . URAR: Additional Features Cont'd: ramplwalk to rear stoop. Exterior rear steps to basement. Elevated toilet and utility sink next to laundry hook-ups. Toilet and sink are unpartitioned. Detached 12'x20' frame garage. Detached flrame, two sided shed with shed roof. . URAR: Condition of the Imorovementa Cont'd: significant items observed that require immediate repair, No functional or economic obsolescence was observed. NOTE: Several cracks noted In the exterior and basement concrete block foundation. It Is assumed for Boor.l.al DUrDo.ea that no adveree structural Droblems exist. Your aporalser Is not an exoert In this are.. If vou have a concern. I recommend you obtain a bulldlna Inaoectlon from an aooroDrJate Drofes.lonal. . URAR: Adverse Environmental Conditions Cont'd: appraiser is not an expert in environmental conditions. If the client has a concern, then a qualified expert in this area should be contacted. There are no known or apparent adverse environmental conditions that would negatively impact on the sale of the property. . URAR: Sales Comparison Approach Cont'd: Estimated indicated value can also be determined by using the Gross Adjustment of sale price for each comparable (comp) as a measure of relative quality of the comp, A lower adjustment indicates a beller comp, and vice versa. The ratio of gross dollar adjustment to sale price for each of the comps is used to calculate the weight each comp should have in a weighted calculation. This weighted calculation is used to also indicate the estimated value of the subject As with any method this technique is not perfect. However it does do a very goOd job of giving more weight to the most similar comps while at the same time minimizing values near the extremes of the indicated value range. The estimated weighted value is: $108,900. 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), Federai 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 the OCC, OTS, FRS. and FDIC on June 7,1994, and in the Interagency Appraisal and Evaluation Guidelines, dated October 27,1994. SCOPE OF WORK: Observation of the exterior and walk through observation of the interior of the 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 Use of Marshall Valuation Service data for completion of the Cost Approach, if approach is warranted. Land sale search data obtained from REDS online data service and Central Penn Multi-List, Inc. SPECIAL LIMITING CONDITIONS: This appraisal is not a home inspection and the appraiser is not acting as a home inspector wilen preparing the report The borrower has the right to have the home inspected by a professional home Inspector 'il/hen performing the inspection of this property, the appraiser visually observed areas that were readily acceSSible Tile arpraiser is not required to disturb or move anything tllat obstructs access or visibility Tile inspection is not teclmically exhau.stive The inspection does not offer warranties or guarantees of any kind The arpraiser is not a home or environmental inspector The appraiser provides an opinion at value The appraisal does nol guarantee that the property is free of defects or erwlronrnental problems The 'lppraiser performs an inspection of visible and accessible areas only Mold may be present in areas tile appl aiser cannot see A professional home inspection or environmentai Inspection is recommended IF the property is sold. this appraisal is subject to satisfactory inspection reports including. but not limited to wood infestation, water test(s), radoll, building inspections, etc . URAR: Supplemental Certifications I certify that. This COMPLETE APPRAISAL- SUMMARY APPRAISAL REPORT was prepared by Karen Damey for the exclusive use of PNC Bank, Trust Department for estate settlement purposes Estimated market value is the most probable price in terms of castl or in terms of financial arrangements equivalent to cash. PNC Bank. Trust Department is considered to be my client. The information and opinions contained in this appraisal set forth the appraiser's best judgment in light of the information available at the time of the preparation of this report /I,ny use of this appraisal by any other person or entity, or any reliance or decisions based on this appraisal are at the sole Form rAlfu"lYJv-rmAl! fOi Win~af)gwWlbl'a!'ilnHreIWP<i\\\tl'no~~mHIiUP\ .1lIJtPALAMtI6t?'8Jld 111101 pmpeily i\ddless_l05l?.!'J:I~!'-6.I/!!1!\J~_.._---- yj\Y~~Il'!lP.)jiJL__ _.__~_.__ County Cumberland lender PNC Bar ust Department St-' oA Zip Code 17011 responsibility and at the sole risk of the third party, I accept no responsibilit~' 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 exposure time linked to the value opinion is up to 180 days. I further certify that, to the best of my knowledge and belief: _ The statements of fact contained In this report are true and corract. _ The reported analyses, opinions, and conclusions are limited only by t\he reported assumptions and limiting conditions, and are my personal, Impartial, and unbiased professlonel analYllas, opinions, and conclusions. _ I have no present 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 on November 23, 2005. - No one provided significant professional assistance to the person signing this report. - This appraisal has been prepared in conformity with the requirements of the Code of Professional Ethics and the Standards of Professional Appraisal Practice of the Appraisal Institute - The use of this report is subject to the requirements of the Appraisal Institute relating to review by its duly authorized representatives ~ ./, ) c" . \ '/''x) ".///" f7 x'; . t, .. etJ~/'-- LJC.A- I<aren Damey PA Stale Certified General eal Estate Appraiser GNJ012GOL I f1l111111,DO -1OTAL 1m Windows" appraisal soltware by a la mode, Inc. - 1.800.ALM','IODE DEFINITION OF lI. .KET VALUE: The most probable p1ice which a property should b""w In a '~ompetitive and open market under all conditions requisite to a lair sale. II1e buyer and seDer, each acting prudentiy. knowledgeably and assuming the p1ice Is 110t affected by undue stimulus. Imp/lcn In this leflnltion Is II1e consummation of a sale as of a specllled date and II1e passing of titie Iram seller to buyer uroer conditions whereby: (1) buyer and seDer ere :yplcally moUvated; (2) both parties are weD Informed Of well advtsed, B/ld eaoh acting In what he considers his awn best Interest (3) a reasonable time Is allowed lor exposure In the open marl<.et; (4) payment Is made In terms 01 cash In U.S. daDars or In terms 01 t1nB/lclal arrangements comparable thereto; B/ld (5) the p1ice represents the normal consideration lor the property sold unaffected by special or creative IInancll1Q or sales c:oncesslons. granted by snyane assOllIa\ed with 'Ileaale. . Adjustments to the comparables must be made lor special or creative IInanclng or Sal88 conosulonl. No sdlustments ars neoessary tor those costs which are normally paid by sellers as I result 01 tradltion or law In a market lIJ'ea; these costs are readily Identifiable slncs ths seller pays II1ese costs In virtually all sales trB/lSBCtianS. Special or creative flOBllclng ad}ustmente can be made to the comparllble property by compa/1lons to flnB/lclng terms offered by I third party Inetitutlonal lendllr that Is not a1reedy Involved In the property or tl1nsaollon. Alrf 8dluetment should not be calculated on a mechanical dollar for doll!~ cost of the flnanclng or concession but the dollar arnoum of sny sdjustment should approximate ths lT18I1<efs reaction to the IIrnU1Clng or c:ancesslons based on the appraiser's judgement STATEMENT OF LIMITING CONDITIONS AND APPRAll;ER'S CERTIFICATION CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears In the appraisal report Is subject to the following :ondltions: I. The appralser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appralser assumes that he title is good and marketable and, theretore, will not render any opinions about the titie. The property Is appralsed on the basis of It being under responsibie lwnershlp. The appraiser has provided a sketch In the appraisal report to show approximate dimensions of the improvements and the sketch is inciuded only to assist he reader of the report in visualiZing the property and understanding the appraiser's determination 01 its size. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted 1 tne appraisal report whether the subject site is located in an identitied Special Flood Hazard Area. Because tile appriliser is not a surveyor. he or she makes o guarantees, express or Implied, regarding this determination. The appraiser will not give testimony or appear in court because he or she made an appraisal of the properl)r in question, unless specific arrangements to do o tiave been made beforehand fhe appraiser has estimated the value of the land in the cost approach at its highest and best use and tn8 improvements at Ineir contributory value These eparate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if tlley are so used. The applaiser nas noted in tne appraisal report any adverse conditions (such as, needed repaJrs. depreciation, the presence of hazardous wastes, toxic Ibstancrs. etc) observed during the inspection of the subiect properly or that he or she became aware of during the normal research involved in performing Ie appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden or unapparent condifions of the properly or Iverse envilonmental conditions (Including the presence of hazardous wastes, toxic substances, etc.) that would make the prnperly mOle 01 less valuable, and IS assumed that there ale no such conditions and makes no guarantees or warranties, express or implied. regarding the condition 01 n,e properly Tile 'praiser will not be responSible for any such conditions tllat do exist 01 for any engineering or testing that might be required to discover wlletller slIch mditions exist Because \Ile appraiser is not an expert in the lield 01 environmental hazards. tile appraisal repOlt must not be conSidered as an rviromnental assessment of the properly lhe <1ppraiser obtained ,tire intonnation. estimates, and opinions that were expressp,d in IlIe appraisal ropol1 flOI11 snmee, thai lie III slip, cUl1sillels II] be li,ble and believes them to be true and cormct 11le appraiser does not assume responSibility lor the accur<1cy of such items tlrat were lurnished by oU,er \lli~s. The appraiser will not d'rsclose tile COil tents of tile appraisal repurt except as provllled tor in IlIe Ul1llonn Standalds 01 Prolesslonal Appraisal Practice Tile ilppliliser Iras basp,d IllS or lIel apPlaisai repurt alld vaiuatlun c/lnclusion IUI all apPl<lIsal tllat is slIllject to satlstactOlY cUII"dellon, lepillls. 01 erations on the assumplion tllat completion 01 tile improvements will be pertormedln a workmanlike manner The apprRlser must provide his or her prior written consent before tile lendel/client specilied in tile aplralsal leport COIl (Iistlibute tile appr""1 Irpol1 clllding cOllclusions about tile propelty villue. \lIe appraiser's Identity and prolessronal deSignations ,lllll lelrlences to any plolrsSlolI,,1 "ppr",sal Janizations 01 tile firm with whicll tile applaiser is associRted) to anyone otlm tllan tile bU/lower: the 11I0ltgagee or its SIlGCeSSOlS alld assiglls; tile mOltgage ',Uler; consultants; prolessional appraisal organizations; any state or federally approved fillancial institution. or any department. agellcy, 01 inslrlllnentalrly tile United Slates or any slate 01 the District of Columbia. except that tile lenderlclient may distlibute the plopelly description section 01 the lepol1 only to dala Ilection or repOlting service(s) without having to obtain the appraiser's plior written cOllsent Tile applalSer's writlen consent and approvai milst also obtained before the appraisai can be conveyed by anyone to the publiC tillough advertJsing. public relations. news, sales. or olllel mellla ddie Mac Form 439 6-93 Page 1 01 2 Fannie Mae Form 1004B 6.93 L.G. Connor Real Estate Appraisers Form ACR - "TOTAL lor Windows" apprilisal software by a ia mode, inc - 1-8C10-AlJ\MODE ( Plat Map) Illltl. Ny. U~;.I.:'>~J APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that 1 , I have researched the subject mar1<et area and have selected a minimum of tI1tee recent sales of properties most similar and proximate to the subject property lor consideration In the sales comparison analysis and have made a dollar adjustment when appropriate to rellel:t the mar1<et reaction to those Items of slgnlllcant var1ation, It a sl~lIcant Item In a comparable property Is superior to, or more favorable than, the subject property, I have made a negative ad/Ustment to reduce the adlusted sales price of the comparable and, It a significant Item In a comparable property Is Infenor to, or 1m favorable than the subject property, \ have made I positive ad/Ustment to Increase the ad/Usted sales plice of the comparable, 2, I have taken Into consideration the factors that have an Impact on value In my development of the estimate of mar1<et value In the 8IJIl!a1sal report, I have not Io1owlngly withheld any significant Information from the appraisal report and I believe, to the best of my Io1owledge, that all statements and Information In the appraisal report are true and correcl 3, I stated In the appraisal report only my own personal, unbIased, and professional analysis, opinions, and conclusions, which are sublect only to the contingent and limiting conditions specified In thls lorm, 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 at 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 01 the subject property. 5 I have no present or contemplated luture inlerest In the subject property, and neither my current or future employment nor my compensation for pertonDing this appraisal is contingent on the appraised value 01 the property D I VI" not required to report a predetermined value or direction in value that favors the cause 01 the client or any related palty, the amount of the value estimate, II.e alt"inf11ent 01 a specific resull. or tile OCCUllence of a subsequenl event in Older 10 receive my compensatiun and/or employment lor performing the appraisal did oot base the appraisal report on a leq'Jesled minimum valuation, a specilic valuation, or the need fo approve a specific mortgage loan 7 I [>CllllIlJ"'" IIlis appfais,,1 in COfflof11fily with Ihe Unllorm Standards 01 Prolessional Appraisal Praclice thai were adopted and plomulg'lted by tire Applaisal SI'>lld""I, f',o",rI uf 1118 Appraisal foulldatioll alld that were in place as 01 tile effective dale ollhis appraisal, wilh the exception of the departure plOvislun ot those SI;""j""ls whICh rloes nllt apply! aC'fl\Jwlmlg' tllat all eslilffa!e 01 , reasoffable time fur expusure in the opeff 11\",ef is a conrlition III the rlelll1itiol1 ollll"ke! value "",I II," 0'1111,,,1,, I devellJpcrl is cOlls'slel1t with the rnalkehng lillle noted in tile l1elgl\tJort100d sectioll 01 \hls I'pllrt, "I\less I hove oll,erwise slated ill tile 1 rr~()I ",_,tli :i[,/)r1 C:PI;liUll I!I P"I'-i)!l;Jl!r iwprC!0rj tile il1t~'l(lf ;:!rI(l rxtrlirH nrras 01 thr: sl'bjec! proprrty rHld tl1\; pxteliur 0\ ~\I P\GI"o,ltins \\sh'.d as CDl11paldhle'S m tllP (lfipfi-liS~l rrpfJrt I 1'1'1111'1 r HI,!! I !J;1VP IlIJtf,rj ClIl'y' ;'[Jp:llrnt (J! kllrwm :iUVPfSP conditiorlS in tllP suhjrr;t illlrHovr.m~nls. 011 1~1'~ SII1'ir'st Sit!:, 01 Oil ;.JIlY sitl' \',:iHIIIl tl!r imlTwclii-llr IH(1pt'ily 1)( \\(lIiCI\ \ ;\\\1 ;WnIB (PHI h;1\'1; lll,ule rHlrll::;lll1PlltS lor 111esr (ldvrrsr. cOII(JillurJCi in '111' ;J'l,lIYSIS oj !l1I~ [1lrJ[JI'rty Vi-l!UP to tIle rxtent Hl(jt sUlforllhclII Itl"ve also COllflllClllcd "hout II,P elleet 01 the advelsc cu"dlti,,"S un tlie nrflk"\at"llly lIlllle 50\'l"el plopefl~ ;\11d \\pinl\J\1<; i-lbutlt '111; H~;ll rc;t;l\f; 111;11 WP.!P srI !mOl in tlln ,lPllf;ji;;dl r"[lud I! ! 1111 511111111C;1111 j'UJrfls-:IG:!:11 in 1I1P IV'II'Jrll1dr:r;r. uf Hlr r\lJPI;lisdl or tllf; prpp:u;ltiU!l of tll~ :Ip\nl:\i\( 1i',P'\~\, I n;1111('d '11th 1ll1\I"idll;\1j::;) ;llltl 111'lklllF'1I t!IPln in t11': Irr~IJl\CilirdiIJll spcliul1 oj !11is ;lrlpr;1I'~(l\ rel1ult I rf'rl:1y' IIl:\! 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I\dt!cnilurn of Illis re!)or1 k) hr; D.lJ! of thie; StalelllAflt of Lirlli!itlQ COllcliliot1s and l\pp!3iser's Cedi(i'.~a!ion "''''ll1'''~"q Y !\'T 'll\!,:;r:n ~: r;r:n IInCl\llOll: I:: :111 : ,1111, (\ll"~H~S !If 1'l1l1ITnll' j\fPl/1lSElJ: )05 :C;cllllv1flll C~'"f[lII'11 11 IUTnl\!sr:D: SIJPEHIfISOIl'i IWrnl\I:-f:n (uilly iIIC'I!li\l'!I): c!\OO 1 ~-:f.;m ur ;~ ~ 11 p [:.:pir:di');1 !);{j;l [Jf r;"ltdli 'l!icJII ')1 June 30, 2007 f:q)!!',l1IUI1 \.'\;1\1' iJl ",t Dlrj [)I(j fJIJ' 111Sp:-'ct 'rerldlP Mar, l'IInl ~39 6 9, Page 2 012 F;il1l1ir ~.,'~:lP rnr!1l1()n~R f),en location Map State .-- ~~- ~~s ..v':> Sc\'lul/lkm ,llNenue lli\'LS~Jrtim"---:-;:::----- countoJ cumberland \.endel PNC Bank, ,!\1St oeoartment q I ,'1~"f' \f'" 0: 1'<>- -;;~ -I." ~f",~ct; .1,'& ~-" ""'.::r~ 'l:" :l Sr~ <~ ~,- ,~ ':. 'I $' l~~ "~ ;~ ~ (fi .(~" "'i/ (" C _I~~\~('(' \'~\';..e MapPO\~t. H&m~t>utg Ql, ~. ,," "" ,~,"i. "1, .) >: ~~ (~ ~, """, <). Q ,. " 'l>(i. .. Q A \. ,0.1 '(), ~ <~ \\.._c 'It<_,O.... 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U~-l ~~ I Building Sketch (Page - 1) Borrower/CMnl.-1" !'!9~!!'iMdress_:'" ;chuylkill Avenue g!!'L, Ca~.t!m Lender PNC Bank Trust De artment CounlY Cumberland 32.50' BR State PA Zip Code 17011 (~ (511 " DA ~ ~ ~ ~ ~ ~ N N BR LR HE: Interior Sketch Not To Scale_ ""r~ [", "j,~, COlTlrTlenls (:) Porch 32.50' 0, "<;1- 7.00' Net Size Subtotals AREA CALCULATIONS SUMMARY 806.98 28.00 Code Description E'irst Floor Porch G tAl P!P Net LIVABLE Area ( Rounded) LIVING P.,REA BREAKDOWN Net Totals -- 806.98 28.00 8reakdown First .Floor 24.83 x 32.50 806.98 807 11lem 807 ( Rounded) form SKT.BlilSkl-- "TOTAL for Windows" appraisal software by a la mode, inc -1-800-ALAMODE SubJect Photo P;llle ~Qr!~'I{~fLQliffIL __ _____ erQP..QrjyAddJ]~L~ SC~kill Avenue Q~~I1JP_~_ Lender PNC Bank Trust De artment IFjieNo-b5:j~1] =~ State I"'A Zip Code 17011 Coul]!Lfumberland Subject Front 205 Schuylkill Avenue Sales Price NA Gross Living Area 807 T alai Rooms 4 Total Bedrooms 2 Total Bathrooms 1 Location Average View Avg. Street Site 018 acre Quality Average Age 48 years View of G\;~d r,; rear Yard Suhjecl nem' SU!!ject Slrcei Form PIC3x5SR - "TOTAL tor Windows" appraisal software by a la mode. inc. - 1-800-AlAMODE SUbject Photo Paqe e~mowerIClient' .____ I !'rQJ!~r!YM~~,,- Schuylkill Avenue Cjty----.f.ampJjL___ Lender PNC Bank, Trust Department ~iie No~'o5.T551 State P A Zip Code 17011 County Cumberland '.' ~~~~\: _1'!l1ll!!",,~"'"l1!~~';;1!f~1!~... ',; . " ...........>l' , ~ . J . \ 1.. \ ~ - \ - -......- ,f ~ 't J ~: ." ,,' . Foundation Crack(s) 205 Schuylkill Avenue Sales Price NA Gross Living Area 807 T olal Rooms 4 Total Bedrooms 2 Total Bathrooms 1 Location Average View A vg Street SlIe 0.18 acre UlJailty Averane Age 48 years Interior FOllndation Crac"s Gravel oU sheet parliing & Garage Form PIC3x5SR - "TOTAL lor Windows" appraisal sollware by a la mode, inc. _. 1-800AI AMODE Comparable Photo D~ge [File No, 05-1551 Borrower/Client r Prooertv Address 2uo Schuylkill Avenue City Camp Hill County Cumberland State P A lio Code 17011 lender PNC Bank Trust Deoartment Comparable 1 2130 Wentworth Drlve Prox. to Sublect 0.28 miles Sale Price 110,000 Gross Living Area 1,040 Total Rooms 5 Total Bedrooms 3 Total Bathrooms 1 loca~on Average View Avg. Street Site 0.19 acre Quality Average Age 51 years Comparable 2 1908 Carlisle Drive Prox to Sublect 0.62 miles Sale Price 116,000 Gross liVing Area 1,040 Total Rooms 4 Total Bedrooms 2 T o\al Batlllooms 2 Location AvgfTraffic Influ. View Avg. Slreet Site 0 17 acre Quality Average Age 49 years Comparable 3 85 Oneida Road Prox to Subiect 1.29 miles Sale Price 109,900 Gross Living Area 1,042 Total Rooms 5 Total Bedrooms 2 Total Bathrooms 1 Location Average View Avg. Street Silo 0.17 acre Quality Average Age 55 years Fornn PIC3x5CR - "TOTAL for Windows" appraisal software by a la mode, Inc. -1-800-ALAMODE r~ , "'t) .1..' ~~ ~ il~"\ ~ ~ ~. III C' oj ~ .~~~~<}.(~~\;I\"r~'J'~~~1 '" , ~17~-~.....' ,\\~~ ~~~~~....wtV~~V~~l'I~'t7~M;l~:v'/f~/'?..., ~h.-J:V~~)\ ,:' 4'\ '"" ::.:? ~, ;~H{ f '1 N ... ,. ., A ,) Ij ,~~ II 1("--': -'" ..I~" ~ ~' ~ ~ ~ 't ~1. " I , , ~ ~(~ \:-~~ ~ l~ ~~ ~) I~ !,~~ ~~) (~~\ r?)~ y..;", "" .~,~ I V; .~~. IlIl!!!lRfi To 1~CaJ/ 1-<<J0-225.e380 " ;~~ " ':;:::;:\. ~\~)1 .~: ~~ ~)l1fatsair NB~ ROSE MARIE'S ANTIQUES Jewelry, Estate liquidations, Appraisals 2136 Market Street CAMP HILL, PENNSYLVANIA 17011 (717) 763-8998 TO WHOM IT MAY CONCERN: This is to certify that we are engaged in the jewelry business, appraising diamonds, watches, jewelry and precious stones of all descriptions, We herewith certify that we have this day carefully examined the following listed and described articles, the property of: NA1\1E /(~ ~ -; /J /'1/1 -"- - //lMi-J AODREZ OJ! P rI c ~~ - .~~'" /L/ YO?,[).~ 36? #..... /.ut It::~ We estimate the value as list~a for insurance o~oth~urposes at the current retail value, excluding Federal and other taxes. In making this Appraisal, we DO NOT agree to purchase or replace the articles. DESCRIPTION APPRAISED VALUE (j) ~ I<<-~~ ~~ ~~~~;2,~0 pdb~. ~~.( /I /<>0.00 cf) ;{~;o;:.. ~ ~ ,,~ ~~/o~4J~. t;tdE~ : o ol~()o p O. * p 0.* 100. + 25. + 125- * I &e fore, oing Appraisal is made with the und( spect any ~~ 'on that may be taken on th( ~- J 'A~~:;:'d, / -r=-- . 7 l APPRAISER praiser assumes no liabilitv with al. . /~/o?&/o~ ;DATE ..., PRINTED IN US.A """r.i~ ~ ''''' ;::: ~I ......; ~ ;p ,'I' ~ .... "~ III ;:::;;; ~ ...';) ~\ ,,< f'.Fl ~ ~.) .... ~-r-"), , ,~' II .'\' , o \\.t '_ J.,' r~ i~ , II \ ~~ ! ~~ , ~~,\ 1~ ~ ~~ .... ~ ~A ~ ~\ Ii '"" ~ rrrJ. .~ ~ ." ~~.J.i ~ ~ I ~L'Yi ~ I !,~ [I '1~'9) , i Cia \JDE C. WOLFE & AS~ ~CJrATES AUCTIONEERS & APPRAISERS FAMILY OWNED SINCE 1910 2009 UNCOLN STREET · CAMP HILL, PA 170111 717 -737 -0734 RECEIVE ONe ADVise FIB 1 7 Zl January 12,2006 Appraisal for the Estate of Joyce U. Adams 205 Schuylkill Avenue, Camp Hill, PA 17011 LIVING ROOM 3 Green recliners - poor condition Small table/stand Brass lamp Regency scanner Gun cabinet Magazine stand - poor condition Remote telephone Walker End table1amp Sofa - soiled r r Zenith console TV - old Mitsubishi VCR Wall shelf Battery clock Wall mirror Misc. contents of living room '" DINING ROOM / KITCHEN .. '.:.'. -,~. . Step stool Trash can Hutch Telephone Appliance cart Showtime Rotisserie Electric roaster Spool legged stand Round table with 3 chairs Misc. everyday dishes 10.00'IL mcm J u 20.00 {Y\bM 3.00 Me"" 5.00 \..M~ 95.00 ciao 'oil',,} I~u~ l\-t-r 2.00 {'r\ b lY'\ 10.00 ffivnl 2.00 r^6W1 10.00 trlbw'l ' 5.00111-. r'r\bfft JlH 5.00 '/1.. tM'/VI \ 'h,I 15.00 fl\~lv\ 3.001nDtYl 1. 00 tw. yr.-\ 2.00 IY\ b)'Y'\ \ 15.00 )11.. (hl>lf1 \ 'h. \.. 2.00 mOM 1. 00 i 11- t(tLh 70.00 l11Vit1 4.00 'w,lrV\ 10.00 M tJ1Yl 8.00 \/1.. tllek 12.00 t'r\ off) 50.00 M {)rY} 20.00 I~l. .(ac:J, f 5.00 'J~ ecc.L/(\ cr IlUDE C. WOLFE & AS~1(:lATES AUCTIONEERS & APPRAISERS FA.MILY OJYNED SINCE 1910 2009 LINCOLN STREET · CAMP HILL, PA 170111 717-737-0734 Adams appraisal Page 2 of 5 DINING ROOM I KITCHEN - continUt~d Kenmore microwave Electric can opener Hamilton Beach food processor Waffie iron - old 4-Slice toaster Caloric refrigerator Blender Coffee maker Utensils Cookware Flatware Misc. contents of kitchen FRONT BEDROOM Pair of twin beds Maple desk Electric fan . . Chest and matching dresser Misc. jewelry Alarm clock Sweeper Cedar chest Wrought iron table on wheels - glass shelves Scales . . .,.'. ~.~, . Misc. contents of bedroom 15.00 lJl.. LQch 2.00 M l}1'V1 5.00 0'\1> rY) 1. 00 J()o rf\ 2.00 i)\bt'Y'\ 75.00 '/1--u.c.-h 2.00 I 11.. t.tt:.-~ 1.00lc$f\Y 2.00 ~{)rI\ a 8.~0 ft\DfY\ 2.00 t\1~rf) 15.00 'I'l. ~ 30.0011'1.. e..(I.~ 10.00 '" ~rY'\ 2.00 IJe- e (Len 125.00 fv1b rv'\ 5.00 ~O~ 1.00' I'L. fQcA 1. 00 ''r\ $ CI\ 25.00 j\'of{l 5.00 \"~by{\ 1.00\\1v~,", 15.00 '\1.. ~ i CL' ~JDE C. WOLFE & ASS - CIIATES AUCTIONEERS & APPRAISERS FAMILY OWNED SINCE /9/0 2009 LINCOLN STREET · CAMP HIll, PA 17011 717-737-0734 Adams appraisal Page 3 of 5 REAR BEDROOM Dresser with mirror Telephone Brass lamp Twin bed Desk and chair HALL Misc. linens Upright vacuum cleaner , ' BASEMENT Double wooden wardrobe Crock Misc. cookware Trestles Ironing board 2 Trash cans . 2 Dining room chairs Campbell-Hausfeld pressure washer - 6 HP Lawn chair Meat cleavers ., 'Mo .... Old scale Kenmore remgerator - old Frigidaire upright freezer Cast iron cook pot with tripod stand Dolly Misc. garden tools Dog cage Masonry tools Ice cream freezer Bissel carpet steamer 65.00 Mbrl\.. 2.00 \ \1.. t.\c~ 2.00 t'l\0f/\ 10.00 \\v~\.- 15.00 WI brr'\ 5.00 11'1- ~l- 18.00 '\1,. e,u,A-- 35.00 \\v~ 4.00 '\1-- " 5.00 \\1...-- \' 2.00 \ft.-. ,\ 1.00 .. \ 'L,.; \" 2.00 'I \.- ,\ 2.00 \\ \....- " 75. 00 \..~ 1"YV\, 1.00 '11- ~.~ 5.00 'l,-, ~i..,h 2.00 \\'\; ~\-. 5.00 '\v tw,.\.... 100.00 \\ \, Wh 60.00 '\v~~ 20.00 ~\}"fYV\t 10.00 \ ~,}. d.e r- 10.00 \\\.\J<<\ 5.00 \ \ '\..- wi"'- 1. 00 \ \""-' ~ \--- 20.00 \ v..~,,~ , , I CL .. ~DE C. WOLFE & AS~ )CIATES AUCTIONEERS & APPRAISERS FAMILY OWNED SINCE 1910 2009 LINCOLN STREET · CAMP HILL, PA 17011 717-737-0734 Adams appraisal Page 4 of 5 BASEMENT - continued Large workbench Halogen lamp Maytag washer Whirlpool dryer Sausage press 20.00 t<\tv"'\ 4. 00 ~ \ 1" uu.:L- 150.00 ,\t. QuvV 60.00 \\.., . v e.o..'-",- 30.00~\ 1>v.l\L-o.{~5.00 \\'"" ~ 25.00 \1.. ew:h Old Mill wood burning stove Misc. contents of basement r ~ White Snnw "850" snow thrower - 24" U~ \) Echo leaf blower \ - Craftsman 5hp 25gal. air compressor ~ Battery charger Pneumatic socket gun & sockets Pneumatic grinder Old motor Craftsman 7 'l4" circular saw . Collapsible trestles Echo GT -2000 weed whacker 225.00 t~lv%\ 45,00ar", 75.00~. 1).c\'S?'r 5.00' ~) 100.00 '\'L~L.. 30.00 M~ '\) ~1O. 00 'il$jVV\ 3.00 \\1-~~ 10.00 lCJ~ 30,00 \ \ 1..- e1.t \r-. Kero heater . "'\ Weber propane grill ',) Craftsman rechargeable drill Homelite chain saw Grass seed spreader 1.00 .;"\\.{} lY\ ''b~\ \u,~ 50.00 lA '('i'V " ,,~ 25. OOM \e\ 'v-.A ~ \, \' 30.00 \C\,1 ~A 5.00 1,000.00 \\A.~ \ 5. 00 ~\'\GW'\ ~ $04 \.0.. ~ ~ 95.00 \t-v'iYl-\... 5.00~Ar~\ 10,000000\;"'1 ' Kubota T1560 tractor w/mower deck, auto throttle Small vacuum Hitachi C8FB 8 ~" sliding compound saw Come-a-Iong New Holland LX465 Super Boom #9595 loader - excellent condition , ," ClaUDE C. WOLFE & ASf~CIATES AUcnONEERS & APPRAISERS FAMILY OWNED SINCE 1910 2009 UNCOLN STREET · CAMP HILL, PA 17011 717-737-0734 Adams appraisal Page 5 of 5 GARAGE - continued Small wooden step ladder Misc. hand tools Trailer - 10' long by 6' wide ~~ \ \~M7~::\~~r . ~ 350.00 mO'rV\~ SHED 3 Ladders Troy-Bilt Pony tiller - excellent condition Dolly &O~\~VVV) 10.00 \ h... ~v 350.00'4v'~ 8.00 \..Q.y.- ~ 11997 Pequea Model 1014 trailer- 6' wide by 14' long 1.750.00 ~ J APPRAISAL TOTAL $ 15,828.00 This Fair Market Value appraisal is true and correct to the best of my ability as an auctioneer and appraiser with 35 years experience. Member: Certified Appraisers Guild of America . CLAUDE C. WOLFE & ASSOCIATES 'w,~ .~.~~~"'- W. K. Dusty Chapman, CAGA REVOCABLE TRUST OF JOYCE U. ADAMS THIS TRUST AGREEMENT is entered III to by and between JOYCE U. ADAMS, unremarned widow, currently of the TO\\I1ship of Lower Allen, of the County of Cumberbnd, Commonwealth of Pennsylvania, hereinafter called "Trustor,"and PNC BANK, National Association, hereinafter referred to as "Trustee" Reference in this Trust to the "Trustee" shall be deemed a reference to originally named Trustee or to whomever is serving as Trustee or Co-Trustees, whether original, alternate, 0 r successor. The initial primary Beneficiaries of this Trust Estate shall be JOYCE U. ADAMS The effective date of this Trust shall be the date of signing of this Trust Agreement. I. TRUST PROPERTY A. Original Trust Property The Trustor grants, assigns, and sees, over to trustee and its successors, all the property described in Schedule "A", annexed hereto and said property shall be considered the original corpus of the Trust Estate. II. PAYMENTS OF INCOME AND PRINCIPAL A. During the lifetime ofthe Trustor, the Trustee shall pay all net income to her in quarterly or other convenient installments. If in the discretion of the trustee the Trustor is not capable of managing her own affairs, the income of the trust may be used in the Trustee's discretion for the health, maintenance and support of the Trustor. Income: not expanded may be added to the principal of the Trust, in the Trustee's discretion. B. Trustee may payor apply principal for the benefit of the Trustor in the Trustee's discretion for her health, maintenance and support. Principal may be paid directly to the Trustor or applied for the Trustor's benefit, in the discretion of the Trustee. C. At the death of th e Trustor, the undistributed principal and income of the Trust shall be paid directly over to the Executor of the Estate of the Trustor, and this trust shall cease assignment by a beneficiary, or available to anyone having a claim against a beneficiary, before actual payment to the beneficiary . III. I direct that the interests of all beneficiaries in the Trust hereby created, whether in the principal or income thereof, shall be free from liability to attachment or other legal process issued at the instance of any creditor or assignee of such beneficiary, and I direct that no payment shall be made by way of anticipation of sums which may thereafter accrue to any beneficiary. IV. TRUSTEE"S POWERS: In addition to the powers granted to Trustee by law, Trustee shall have the power to retain any property it shall receive hereunder; to invest as it sees fit in all forms of property including mutual fund operated by Trustee or an affiliate of the Trustee; to make distributions in cash or kind; to borrow or pledge assets at my request; to settle disputes; to exchange or sell real or personal property publicly or privately for such prices as it deems proper and to hold investments in nominee name. V. DEATH TAXES: Unless my Will provides otherwise, any death taxes on my estate, including interest and penalties, attributable to the principal of this trust shall be paid from that portion of such principal subject to the particular tax. VI. ADDITIONS: With the approval of Trustee, property may be added to this trust. VII. REVOCATION & AMENDMENT: I may amend or revoke this Agreement by letter delivered to the Trustee during my lifetime. Trustee may resign by giving me 30 days written notice. If Trustee decides that it is impractical to administer this trust, it may pay the fund to me, or to any person or persons entitled to the income or to have the income applied for their benefit. VIII. FEES: Trustee shall receive compensation at its schedule of rates in effect from time to time. When services are rendered to the trust. IX. LAW: The situs of the trust is Cumberland County, Pennsylvania and it shall be governed by Pennsylvania law. X: CONCERNING SELF-DEALING ET AL: No rule of law against self-dealing, divided loyalty, or conflict of interest shall be applied to render any transaction effected by the fiduciaries void, voidable, or otherwise subject to attack solely for violation of such rule, nor shall the fiduciaries incur any liability, nor shall any fiduciary commissions for acting hereunder be reduced, solely for violation of such rule. Any transaction which involves self- dealing, divided loyalty, or conflict of interest by the fiduciaries shall be judged by the rules of law which would apply to the same transaction at arm's length between strangers free of any element of self-dealing, divided loyalty, or conflict of interest. a' IN W~~:Em', Tm"'" h" hmllnlo '" hoc h,nd,""d "", Ihi, m _ d" of. aM/) , A.D. 2004 and Trustee has executed this instrument and caused its coq ate seal to e affixed hereto. 't~~ t; ~ ~~ " .(\10. ).... \j (~ JOY{1E(U. ADAMS (Seal) ATTEST: ~_pQ~ [~-~ ,NATIONAL ASSOCIATION ~- (Seal) (CORPORATE SEAL) COMMONWEALTH OF PENNSYL VANIA COUNTY OF ~lAl-U1-AW : SS. On this, the IL.J1t day of ~~ ' A.D. 2004, before me the undersigned officer, personally appeared JOYCE U. DAMS known to me, (or satisfactorily proven) to be the person whose name is subscribed to the within instrument, and acknowledged that she executed the same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. c%/lb ~~- Notary Public NOTARIAL SEAL C~larlas E. Sl1i€ld~, Ill, NOlary Public Monroe Twp. CU!11beri~:\J County My Commisc.tnn Expires Juno 20. 2004 COMMONWEALTH OF PENNSYLVANIA COUNTY OF C t< II! 1Jf3Z-J,;r,{j) On thi', th, / IJI!--- day of ~ ' A.D. 2004, bet"" m, the undersigned officer: personally appeared D/f-YI . /3,ep/;/ft/' who acknowledged himself to be fully authorized to act on behalf of P Bank, NatIOnal AssociatIOn: known to me, (or satisfactorily proven) to be the person whose name is subscribed to the within instmment, and acknowledged that he executed the same for the purposes therein contained, I, as notary, hereby state that I am not an officer of said PNC Bank, National Association: : ss. IN WITNESS WHEREOF, I hereunto set my hand and official seal. ~f~ Notary Public -----=:;;..---,~ =;:p;('~',;~.'~'~!:~~~,~~{,~:~;~:,~ ~'."C'''VV' cure.G'Y" "'JG4 \ ',,;;c~ -~.:;?' ';'.o.c jur,c 20, '- v "...' ..,~"! )E:f.p\<v~ P'I COG'\~;I\~..;;,OI '~'1_____ r' FUNDED REVOCABLE TRUST AGREEMENT BY ALVIN A. ADAMS. JOYCE U. ADAMS. HIS WIFE. AND LARRY E. ADAMS. THEIR SON. WITH DA UPHIN DEPOSIT BANK AND TRUST COMPANY FOR THE BENEFIT OF LARRY ADAMS THIS AGREEMENT OF TRUST executed in duplicate tllis~day of ~ . 1992, between ALVIN A. ADAMS, JOYCE U. ADAMS, his wife, LARRY E. ADAMS, their son, of Camp Hill, Cumberland County, Pennsylvania (hereinafter called Settlors) and DAUPHIN DEPOSIT BANK AND TRUST COMPANY (hereinafter called Trustee). WITNESSEfH: FIRST: Settlors grant, assign, and set over to Trustee and its successors all the property desclibed in Schedule A annexed hereto and said property, together with all other property, real or personal, that may be added to the trust (such property and additions being hereinafter called principal), shall be held by Trustee, IN TRUST, upon the following terms: SECOND: Trustee shall manage all property comprising the principal of this trust and shall collectthc income thercCrom and accretions thereto and shall pay the net income and hold and dIstribute the principal of said trust in the manner and fOITn provided for below and shall have the following duties and responsibilities by way of itemiwtion which is not meant to be lIor should it be considered to be a restnctiun of any kind on those inherent and customary dutlcs and res(Xlllsibilities of trustees: A. Trustec shall pay monthly bills for Lany Adams for: electricity, tel cphone, water. scwer and rcruse, cable TV, fuel, i nsurancc and othcr Ii kc things as they come due for Larry's residential premises. B. Trustee shall pay other recurring bills for Liul). Adams from time to tIme as they also come due, for example, personal and property taxes and the like; and Trustee sball further hereby be enabled to invade principJI JS is necded to maintain the residential premises. C. Additionally, any income ovcr and alxlVe that required for the alxwc-mcnlioneu periodiC payments emd the likc, as \Veil as so much of the principal as is needed accOlding to the discretion of the Trustee, may bc used and expended for any additional cosls of comfml, SUP[XH"( and maintenance for Larry Adams, including medIcal, surgical and hospital cue, and any fonn of further education Of vocational-technical training or the ltke which would enhance Larry's capacity to take care of himself or possibly lead to a higher paying job or position. D. Additionally, should it be necessary, in the discretion of the Trustee, Trustee may invade principal for any of the above:-mentioned purposes and the like. THIRD: Should Larry Adams have predeceased either or both of his parents, then they, or the survivor of them, shall be considered the beneficiaries of this trust for and during their natural lives, and the Trustee shall continue to manage all the property comprising this trust and shall collect the income therefrom and accretions thereto and shall pay the net income to Larry's parents, or the survivor of them, for and during their natural lives in such pericxlic installments as Trustee shall find convenient, but at least as often as quarter-annually. Upon the death of the survivor of Larry's parents, the balance remaining in the trust shall be distributed as is provided for below. FOURTH: UlXlI1 the death of Larry, or the survivor of his parents, whichever comes last, Trustee shall distlibute the remaining principal and any accumulated or undistributed income, as follows: A. One-third (1/3) thereof to the Grace United Methcxlist Church, 313 Herman A venue, Lemoyne, Pennsylvania. This gift to be strictly for the use of its building fund and for general maintenance of the buildings and grounds. B. One-third (1/3) thereof to the Lincoln Chapel, L.aurclton, PA 17835-9998, strictly for the use of its building fund and for general maintenance of the buildings ,md grounds. C. One-third (1/3) thereof to Temple Beth Shalom of West Shore Jewish Community, 913 Allemlale Road, Mcchanicsburg, Pennsylvania, strictly for the use 01 its building lund and for general maintenance 01 the builJings anJ grounds. Flf'iH: The principal and income of this trust shall be free from anticipation, ;Lssignment, pledge or obligatiun of Settlors and shall not bc subJcct to any executiun or attachmcnl or to \uluntary or involuntary alIenation. SIXTI I: Trustee shall have the folIOl\'lng powers in addllionto those vested In it by law and by othcr prOVisions of this trust, applicable to all properly, whether prinCIpal or income, exelClsable withollt court approval, and efTcctlve until actual distribution of all properly: A. To retain any or all of the assets of this trust, real or personal, including stock of Trustee, without reg,u-d to any principle or diversification or risk. 2 B. To invest in all fonus of property, including stock, common trust funds and mortgage investment funds, without restriction to investments authorized for Pennsylvania fiduciaries, as it deems proper, without regard to any principle of diversification or risk. C. 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 tenus or conditions as it deems proper. D. To allocate receipts and expenses to principal or income or partly to each as Trustee from time to time thinks proper in its sole discretion. E. To hold property in the name of Settlor, or in his name without designation of any fiduciary capacity, or in the name of a nominee or unregistered. SEVENTH: Subject to the approval of Trustee, anyone may add property, real or personal, to the principal of this trust by deed, will or otherwise. EIGHTH: Trustee may receive reasonable compensation at prevailing rates for fiduciaries. Such payments shall be made from time to time during the period over which iLs services are performed. NINTH: If at anytime hereafter, a proceeding is initiated in any jUlisdlction to have a guardian appointed for Larry Adams, it is the express intention of the SettIors herein, that the court making such a detennination, appoint Dauphin Deposit Bank and Trust Company, or its successor, as the guardian of the eslate of Lan)' Adams. TENTH: Selllars reserve to themselves the right, by the unanimous consent of those \\ho lJlay then'be living, by an instrument in writing intended to take effect during the lifetimes of Selllors or the survivors oj thelJl, signed by all the Settlors then liVing or their guanJians or attollleys-in-fact should they be then incapacitated, and delivered to Trustee to revoke or amend this Agreement in whole or in part. PlOviJed that the duties, lXl\\ers ami liabilities of Tlustec shall nol be subslantially changed without his written consent. ELEVENTH: The situs of this trust tor administrative and accounting purposes shall be in the County of Cumberland and COIllmonwealth of Pennsylvania, and all quesl10ns pertallling to the construction or validity of the provisions of this instrument shall be governed by the la\\s of that Common weal tho 3 IN WITNESS WHEREOF, Settlors and Trustee have hereunto set their hands the day and year first above written. Witness: 4~Q~ .. ( ALVIN A. ADAMS. SeW", GMw r~s ".~" U.o.J.- C4J 'IE" alP " r JOYCE U. ADAMS, Settlor k ~&~ LARRY E. ADAMS, Settlor (SEAL) . (SEAL) (SEAL) .:z:~t!{~'iJfie'// DAUPHIN DEPOSIT BANK AND TRUST COMPANY ~~ ;~ ;:;J~l~/ (SEAL) BY Trustee Senior Vice P;:,,::J::~~ ard Trust OW'81 COMMONWEALTH OF PENNSYLVANIA: : SS. COUNTY OF CUMBERLAND On this OjS~ day of kt~ ' A.D. 1992, personally appeared before me, a Notary Public in and for said County and tate, ALVIN A. ADAMS and JOYCE U. ADAMS, his wife, Setllors, known to me (or satisfactorily proven) to be the persons whose names arc subscribed to the within FUNDED REVOCABLE TRUST AGREEMENT, and acknowledged that they executed the same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. &it/i;) ;:~~.~_~ :IE- Notaly Public -~ ~-- -~-- , .1 ~. L~I.:u' 4 COMMONWEALTH OF PENNSYLVANIA: : SS. COUNTYOFCUMBBliAND On this J..S'1t, day of ~ . ,A.D. 1992, personally appeared before me, a Notary Public in and for said County and te, LARRY E. ADAMS, Settlor, known to me (or satisfactorily proven) to be the person whose name is subscribed to the within FUNDED . REVOCABLE UVINO TRUST AGREEMENT, and acknowledgl::d that he executed the same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal. rMwlA1~ '~~~~1!r Notary Public R=~:~'iJ ,'."-----1 .l-' '" ", ,;'!' . I fiI' :; [:c"q' , : --'" . .. ! COMMONWEALTH OF PENNSYLVANIA: : SS. COUNTY OFetlMBERbANDVI;tJ'oJ/ / U ; 00 lhl'. ()X d day or(t/ht/0 . 4.1).!99}, pe,,)''J1'yapP''"J0 l~[o" me. " Notary Public m and for smd CountY1nd ~ta~e, . /~/ {' /'!~ /" r,///,/ J7 . who acknowledged himself to be the 0j~ I' V'-"I',/f'.' ,,'" I ,.i/.' /./ of D;,U ,HIN 99P9,SIT /CA.!))' AND TRUST COMPANY ,d;Corporation; that he, as such ,f, f/ L '/j);-' /Y/i (' ('t' . , beIng authonzed to do so, executed the f6,,~olog FUNDED RE~" ABLE LIVING TRUST '0tll"'~''51''Y'"'~.J~. i ~: by . slgrung the name of the Corporation, by hImself, as /.;J 1"<2<.-//,/-:(:(.2' //L //''/;?/ IN WITNESS WHEREOF, I hereunto set my hand and official seaL ''2 . /'.' / / 7 // /. / ,/ / ,/. / / /, / '.' , / C// Vp (/t"'i't,/;(;#;4f;t,/ '/ Notary Public ~ NGt3iial SGJJ MaJy Ann And$c;on, Notary f'ublic HarrJ[hlrg, DdUI~lIi1 COlJllly My eollmllSS'Oi] EXI.rcs Cd 30, 1994 !\,lRfllbm, Pf~~ ~QOd.:lOOn of otaries 5 , .' Dated: FUNDED REVOCABLE TRUST AGREEMENT BY ALVIN A. ADAMS. JOYCE U. ADAMS. HIS WIFE. AND LARRY E. ADAMS. THEIR SON. WITH DAUPHIN DEPOSIT BANK AND TRUST COMPANY FOR THE BENEFIT OF LARRY E. Al~ SCHEDULE A ~. 'LS- / ,1992 ITEMS: 1) A lump sum deposit of One Hundred Thousand ($100,000.00) Dollars. MetLife and Affiliates Total Control Account 485-E US Highway 1 South 4th Floor Iselin, NJ 08830 RECEIVED PNC ADVISOBS JAN 1 0 2005 MetLife@ Family of Companies Tel: 1-800-638-7283 January 5, 2006 Linda J Lundberg PO Box 308 Camp Hill, PA 17001-0308 RE: Joyce Adams TOTAL CONTROJ.- ACCOUNTql) 4030068346 Dear Ms. Lundberg: I am responding to your request for the date of death balance regarding the above account. The balance in the above account was $4,257.50 on 11/0512005, which includes interest earned of$ 1.75. If you have any further question, you may call our Customer Service Representatives Monday through Friday 8:00 a.m. to 6:00 p.m. Eastern Time. Sincerely, Pal mcqowan Pat McGowan 18000056236 - - RiverSource __ PNC Advisors Attn Linda Lundberg PO Box 308 Camp Hill P A 17001-0308 PN~~C~/V~D ... DV1SORS DtC 7 3 2005 American Enterprise Life Insurance Company 829 Ameriprise Financial Center Minneapolis, MN 55474 December 8, 2005 Ameripnse Financial Services, Inc. (Distributor), Member NASD. RiverSource'" insurance and annuity products issued i:", American Enterprise Life Insurance Company, an Ameriprise Financial compa'" Contract Owner: Joyce Adams Contract Annuitant: Joyce Adams Contract Number: 9920-5947043,9920-5865707 Dear Linda Lundberg: Please accept our condolences for your loss. Thank you for contacting us regarding this annuity contract, issued by American Enterprise Life Insurance Company (AEL). Contract 9920-5947043 was opened on July 24,2003 and had a balance of$58,102.64 on November 5, 2005. Contract 9920-5865707 was opened on July 24,2003 and had a balance of$3,677.81 as of November 5,2005. In order to initiate a claim on the contract, please submit the following requirements: . AEL Death Claim Statement form completed by Larry Adams, the named beneficiary. Please provide complete information and fill in all sections of the enclosed form, paying particular attention to the Taxpayer Identification Number and Certification section. Each beneficiary must complete an enclosed form. Please note that the beneficiary signature will need to be notarized. . One Certified Death Certificate with a raised or color-coded. court seal. . IRS W-9 Taxpayer Identification Number and Certification Form completed by you as beneficiary. . The annuity contract, if available. If the contract has been lost or destroyed, please note this on the AEL Death Claim Statement Form. Please note: If you would like to have the original death certificate returned, please write the name and address of the recipient on the back of the certificate. If this information is not included, we cannot return the death certificate. We appreciate your assistance and will settle the claim upon receipt of all completed requirements. If you have any further questions or service needs, please contact AEL Client Services at 800-333-3437, Monday through Friday from 8:00 a.m. to 7:00 p.m., CST. - - RiverSource ti.. Sincerely, American Enterprise Ufe Insurance Company 829 Ameriprise Financial Center Minneapolis, MN 55474 J ~Yv 'Rue4v't Joseph Ruekert Senior Service Representative Ameriprise Financial Services. Inc. (Distributor), Member NASD. RiverSource"" insurance and annuity products issued by American Enterprise Life Insurance Company, an Ameriprise Financial comparr