HomeMy WebLinkAbout09-07-06
REV-l500 E"'~ (&-00)
REV-1500
INHERITANCE TAX RETURN
RESIDENT DECEDENT
COMMONWEALTH OF
PENNSYLVANIA
DEPARTMENT OF REVENUE
DEPT. 280601
HARRISBURG, PA 17128-0601
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DECEDENT'S NAME (LAST. FIRST, AND MIDDLE INITIAL)
Mundorff H. Ra aJkJa Mundorff Har Ra
DATE OF DEATH (MM-DD-Year) DATE OF BIRTH (MM-DD-Year)
04/25/2006 06/18/1912
(IF APPLICABLE) SURVIVING SPOUSE'S NAME (LAST, FIRST, AND MIDDLE INITIAL)
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[X] 1. Original Return
o 4. Limited Estate
[X] 6. Decedent Died Testate (Attach copy of Will)
o 9. Litigation Proceeds Received
o 2. Supplemental Return
o 4a. Future Interest Compromise (date of death after 12-12-82)
D 7. Decedent Maintained a Living Trust (Attach copy afTrust)
o 10. Spousal Poverty Credit (date of death between 12-31-91 and 1-1-95)
OFFICIAL USE ONLY
FILE NUMBER
2 1 -0 6 0 4 0 2
COUNTYcooe -YEAR- - - NuMaER--
SOCIAL SECURITY NUMBER
1 6 2 - 0 7 - 6 7 9 4
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
SOCIAL SECURITY NUMBER
o 3. Remainder Return (date of death prior to 12-13-82)
o 5. Federal Estate Tax Return Required
Q.. 8. Total Number of Safe Deposit Boxes
o 11. Election to tax under Sec. 9113(A) (Attach Sch 0)
NAME
Joel R. Zullin er
FIRM NAME (If Applicable)
Zullin er Davis P.C.
TELEPHONE NUMBER
717 264-6029
COMPLETE MAILING ADDRESS
14 North Main Street, Suite 200
Chambersbur
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1. Real Estate (Schedule A) (1)
2. Stocks and Bonds (Schedule B) (2)
3. Closely Held Corporation, Partnership or Sole-Proprietorship (3)
4. Mortgages & Notes Receivable (Schedule D) (4)
5. Cash, Bank Deposits & Miscellaneous Personal Property (5)
(Schedule E)
6. Jointly Owned Property (Schedule F) (6)
o Separate Billing Requested
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (7)
(Schedule G or L)
8. Total Gross Assets (total lines 1-7)
9. Funeral Expenses & Administrative Costs (Schedule H) (9)
10. Debts of Decedent, Mortgage liabilities, & Liens (Schedule I) (10)
11. Total Deductions (total lines 9 & 10)
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)
SEE INSTRUCTIONS ON REVERSE SIDE FOR APPLICABLE RATES
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15. Amount of Line 14 taxable at the spousal tax
rate, or transfers under Sec. 9116 (a)(1.2)
0.00 X _ (15)
241.677.93 X .045 (16)
0.00 X .12 (17)
0.00 X .15 (18)
(19)
16. Amount of line 14 taxable at lineal rate
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17. Amount of Line 14 taxable at sibling rate
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18. Amount of Line 14 taxable at collateral rate
19. Tax Due
20. [R}
CHECK HERE IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT
17201
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225,407.831 \.0 -'1
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(8) 360.352.33
18,436.40
238.00
(11)
(12)
(13)
18.674.40
341.677.93
100,000.00
(14)
241,677.93
Decedent's Complete Address:
ST~ET AOORrSS
. 13 East Orange Street
CITY
Shippensburg
Tax Payments and Credits:
1. Tax Due (Page 1 Line 19)
2. Credits/Payments
A. Spousal Poverty Credit
S. Prior Payments
C. Discount
I STATE
PA
I ZIP
17257
(1 )
10,875.5
10.473.75
551.25
Total Credits (A + B + C)
(2)
11,025.00
3. Interest/Penalty if applicable
D. Interest
E. Penalty
Total Interest/Penalty ( D + E) (3)
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)
5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5)
A. Enter the interest on the tax due. (SA)
B. Enter the total of Line 5 + SA. This is the BALANCE DUE. (58)
Make Check Payable to: REGISTER OF WILLS, AGENT
0.00
149.4~
0.00
0.00
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes No
a. retain the use or income of the property transferred; ........................................................................... 0 00
b. retain the right to designate who shall use the property transferred or its income; ........................................ 0 00
c. retain a reversionary interest; or ...................................................................................................... 0 [Z]
d. receive the promise fOf life of either payments, benefits or care? ............................................................. 0 00
2. If death occurred after December 12, 1982, did decedent transfer property within one year of death
without receiving adequate consideration?.............................................................................................. 0 00
3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? ................. 0 [Z]
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which
contains a beneficiary designation? ....................................................................................................... 0 00
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
PA 17257
DATE
-3/-0
PA 17201
or dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value, _t '-~~~f"re tl"l nr for the use of the surviving spouse is 3%
72 P.S. 99116 (a) (1.1) (i)l. 1 '. - f'
or dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the 0(., 0 ~A cI i9116 (a) (1.1) (ii)J.
he statute does not exemot a transfer to a surviving spouse from tax, and the statutory requirements for dis till applicable even if
Ie surviving spouse is the only beneficiary. ) le i \ "T') /)
::If dates of death on or after July 1, 2000: V ~
Ie tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younge It, an adoptive parent,
a stepparent of the child is 0% [72 P.S. ~9116(a)(1.2)J. ~ ;).D
,e tax rate imposed on the net value of transfers to or forthe use of the decedent's lineal beneficiaries is , N I C /72 P.S. ~116(a)( 1)l.
Ie tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12% [72 P.S. ~9116(a)(1.3)J. A SJDrrng-~=t:::.__. Section 9102, as an
iividual who has at least one parent in common with the decedent, whether by blood or adoption.
REV-1503 EX + (6-98)
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SCHEDULE B
STOCKS & BONDS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Mundorff H. Ray. a/k1a Mundorff Harrv Rav 21 06 0402
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
ITEM
NUMBER
1.
DESCRIPTION
Treasury Direct Account #1300-053-0576, consisting
of the following:
CUSIP #912828CMO, 2-3/4 note, par value of
$20,000.00, maturity date 6/30/06, d/o/d value
99.60, see attached valuation
CUSIP #912828EZ9, 4-5/8 note, par value of
$45,000.00, maturity date 3/31/08, date of
death value 99.50, see attached valuation
CUSIP #912818EV8, 4-1/2 note, par value of
$17,000.00, maturity date 2/15/09, d/o/d value
98.65, see attached valuation
CUSIP #9128277 J5, 3-3/8 TRIN, par value of
$50,000.00, maturity date 1/15/1912, d/o/d
value 105.30, see attached valuation
VALUE AT DATE
OF DEATH
19,920.00
44,775.00
16,770.50
52,650.00
TOTAL (Also enter on line 2, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
134115.50
REV-1508 EX + (6-98)
law
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SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Mundorff H. Ray a/kfa Mundorff Harry Ray 21 06
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
0402
ITEM
NUMBER
1.
DESCRIPTION
1986 Oldsmobile Cutlass Supreme Brougham
with 77,000 miles in good condition
VALUE AT DATE
OF DEATH
800.00
2.
Refund of car insurance
29.00
TOTAL (Also enter on line 5, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
829.00
REV-1509 EX + (6-98)
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SCHEDULE F
JOINTLY-OWNED PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Mundorff H Ray alkla Mundorff Harrv Rav 21 06 0402
If an asset was made joint within one year of the decedent's date of death, it must be reported on Schedule G.
SURVIVING JOINT TENANT(S) NAME
ADDRESS
RELATIONSHIP TO DECEDENT
A. Harry Ray Mundorff, Jr.
13 East Orange Street
Shippensburg, PA 17257
son
B
c
JOINTLY-OWNED PROPERTY:
LETTER DATE DESCRIPTION OF PROPERTY %OF DATE OF DEATH
ITEM FOR JOINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR DATE OF DEATH DECD'S VALUE OF
NUMBER TENANT JOINT IDENTIFYING NUMBER. ATTACH DEED FOR JOINTL Y.HELD REAL ESTATE. VALUE OF ASSET INTEREST DECEDENT'S INTEREST
1. A. 7/1991 Vanguard Account consisting of assets as shown on 233,789.54 50. 116,894.77
attached valuation, including interest accrued to date of
death
2. A 11/96 Checking Account #6933008, Orrstown Bank, including 8,614.82 50. 4,307.41
interest accrued to date of death
3. A 9/03 Certificate of Deposit #4000002146, Orrstown Bank, 45,339.71 50. 22,669.86
including interest accrued to date of death
4. A 1/05 Certificate of Deposit #4000005258, Orrstown Bank, 15,060.64 50. 7,530.32
including interest accrued to date of death
5. A 1/05 Certificate of Deposit #4000008376, Orrstown Bank, 19,005.47 100. 19,005.47
including interest accrued to date of death
6. A 8/91 Tract of real estate, with improvements thereon, situate at
13 East Orange Street, Shippensburg, Cumberland
County, PA, appraised by Tim L. Ausherman, with
copy attached 110,000.00 50. 55,000.00
1>
TOTAL (Also enter on line 6, Recapitulation) $ 225.407.83
(If more space is needed. insert additional sheets of the same size)
REV-1511 EX + (12-99)
. ...
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Mundorff H. Rav a/kJa Mundorff Harry Ray
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
Debts of decedent must be reported on Schedule I.
FILE NUMBER
21
06
0402
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
1. Fogelsanger Bricker Funeral Home, funeral expenses 9,186.40
2. Spring Hill Cemetery Association, funeral expenses 550.00
3. Tim Wyrick, funeral expenses 100.00
B. ADMINISTRATIVE COSTS:
1. Personal Representative's Commissions
Name of Personal Representative (s) 0.00
Social Security Number(s)/EIN Number of Personal Representative(s)
Street Address
City State Zip
Year(s) Commission Paid:
2. Attorney Fees Joel R. Zullinger 4,500.00
3. Family Exemption: (If decedenfs address is not the same as c1aimanfs, attach explanation) 3,500.00
Claimant Harry Ray Mundorff, Jr.
Street Address 13 East Orange Street
City Shippensburg State P A Zip 17257
Relationship of Claimant to Decedent son
4. Probate Fees Probate petition 260.00; will 15.00; short certificates 20.00; JCP fee 10.00; 325.00
automation fee 5.00; filing return 15.00
5. Accountanfs Fees
6. Tax Retum Prepare(s Fees
7. Tim L. Ausherman, appraisal of real estate 275.00
TOTAL (Also enter on line 9, Recapitulation) $ 18 436.40
(If more space is needed. Insert additional sheets of the same size)
REV.1512 EX.. (6-98)
.
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SCHEDULE.
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES & LIENS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Mundorff H. Ray. a/k1a Mundorff. Harrv Ray
FILE NUMBER
21 06
0402
Include unreimbursed medical expenses.
ITEM
NUMBER DESCRIPTION
1. Treasury Direct, fee on decedent's account
VALUE AT DATE
OF DEATH
25.00
2. Garage rental due at decedent's death
70.00
3. Dr. Davis, medical services due at death
43.70
4. Cumberland Valley Medical, services
99.30
TOTAL (Also enter on line 10, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
238.00
REV-1513 EX + (!il-Mw' ..
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.
.
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE J
BENEFICIARIES
FilE NUMBER
21
RELATIONSHIP TO DECEDENT
Do Not list Trustee(s)
NUMBER
I.
NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY
TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under
Sec. 9116 (a) (1.2)]
Harry Ray Mundorff, Jr.
13 East Orange Street
Shippensburg, PA 17257
Lineal
1.
entire residue
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
1. 0.00
1.
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
Orrstown Bank, Trustee of Trust Under Will for the benefit of Memorial Lutheran Church
34 East Orange Street, Shippensburg, PA 17257
TOTAL OF PART II - ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET
(If more space is needed, insert additional sheets of the same size)
100,000.00
$
100000.00
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JRZ - 5.1 mundorff.l
October 14, 2005
LAST WILL AND TESTAMENT
I, H. RAY MUNDORFF, of 13 East Orange Street, Shippensburg,
Pennsylvania, being of sound and disposing mind, memory and
understanding, do hereby declare this to be my will, hereby
revoking any and all former wills and codicils thereto by me
heretofore made.
I.
I direct that all my just debts and funeral expenses,
including all expenses of my last illness, shall be paid from my
estate as soon as practicable after my decease as a part of the
expense of the administration of my estate.
II.
I give, devise and bequeath the sum of One Hundred Thousand
($100, 000.00) Dollars cash to Orrstown Bank, IN TRUST, nevertheless
for the benefit of Memorial Lutheran Church, Shippensburg,
Pennsylvania. Distribution amount as hereinafter defined shall be
used by Memorial Lutheran Church for use of the Children's
Department, Youth Department or for those children, ';.:Ln nE;!eo. of
financial aid to attend Camp Nawakwa, the National Lutheran Youth
r 7 ,,"'7 : ~ j (' _ ~ ..,,:~. .~:.1".:.'::7
Conference, as well as other child and youttrr:" 'Felated :, chtfrch
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activities.
This bequest shall be made in memory of H. Ray and
Kathleen S. Mundorff, with the church to provide a suitable plaque
recognizing the gift.
III.
A. My trustee shall pay the distribution amount set forth
below to or for the benefit of Memorial Lutheran Church,
Shippensburg,
Pennsylvania,
quarter-annual
in
installments.
B. The trustee shall pay to Memorial Lutheran Church,
Shippensburg, Pennsylvania, in each tax year of this
trust an amount (herein the "Distribution Amount") equal
to four (4%) percent of the average of the fair market
values of the assets of the trust as of the close of the
last business day of the trust's three previous tax years
(or such lesser number of tax years as are available for
the first three tax years of the trust). In the case of
a short tax year, the distribution shall be calculated as
set forth in subparagraph C. below.
In the case of
contributions to or distributions from the trust,
including initial funding, the Distribution Amount shall
be determined as set forth in subparagraph D. below.
C. For a short tax year, the Distribution Amount shall be
based upon a prorated portion of the Distribution Amount
set forth above comparing the number of days in the short
Page 2
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tax year to the number of days in the calendar year in
which the short tax year is a part.
D. In a tax year in which assets are added to or distributed
from the trust (other than the Distribution Amount)
(hereinafter "Adjustment Yearll), the Distribution Amount
shall be increased (in the case of a contribution) or
decreased (in the case of a distribution) by an amount
equal to four (4%) percent times the fair market value of
the assets contributed or distributed (as of the date or
dates of the contribution or distribution), multiplied by
a fraction, the numerator of which is the number of days
from the contribution or distribution to the end of the
tax year and the denominator of which is the days in the
tax year. Further, the year-end values for the two tax
years preceding the Adjustment Year shall be increased by
the amount of such addition, or decreased by the amount
of such distribution, for purposes of computing the
average values used in determining the Distribution
Amount for years following the Adjustment Year.
E. All computations of the trust's assets' fair market
value, or the value of any contributions or distributions
as set forth above, shall include accounting income and
principal, but no accruals shall be required.
I f the
trust includes assets for which there is not a ready
market, the trustee shall adopt such method of valuation
as trustee deems reasonable in trustee's discretion under
Page 3
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the circumstances.
F. In addition to the Distribution Amount as determined
above, the net accounting income earned in my estate and
allocable to the residue shall be paid to the trust, and
distributed to Memorial Lutheran Church, Shippensburg,
Pennsylvania, in addition to the Distribution Amount set
forth above.
G. The Distribution Amounts from the trust shall be paid
first from net accounting income, next from net realized
short term capital gains, then from net realized long
term capital gains, and as necessary from the principal
of the trust.
H.
Should
Memorial
Church,
Shippensburg,
Lutheran
Pennsylvania, cease to exist, the distribution amount
shall be distributed to Shippensburg School District
Foundation and Keystone Council, Boy Scouts of America
with the funds to be used to help financially needy
students and Boy Scouts, as the case may be, participate
in school or boy scout activities.
IV.
I give, devise and bequeath the residue of my estate of every
nature and wherever situate to my son, Harry Ray Mundorff, Jr.,
provided however, should my said son predecease me or die on or
before the thirtieth day following my death, the residue of my
Page 4
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estate shall be distributed as follows:
A. Fifty (50%) percent thereof to Orrstown Bank to be added
to the aforementioned trust for the benefit of Memorial
Lutheran Church, Shippensburg, Pennsylvania.
B.
Fifty
(50%)
percent thereof to the Borough of
Shippensburg with twenty-five (25%) percent to be used
for the benefit of the Shippensburg Fire Department and
twenty-five (25%) percent thereof to be used for the
benefit of the Shippensburg Police Department.
v.
Any fiduciary under this will shall have the following powers
in addition to those vested in them by law and by other provisions
of my will applicable to all property whether principal or income,
including property held for minors, exercisable without Court
approval, and effective until actual distribution of all property:
A. To retain any and all of the assets of my estate, real or
personal,
without
principle
of
regard
to
any
diversification of risk.
B. To invest in all forms of property including stock,
common trust funds and mortgage investment funds without
restriction to investments authorized for Pennsylvania
fiduciaries as they deem proper, without regard to any
principle of diversification of risk.
c. To sell at public or private sale, to exchange or to
Page 5
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lease for any period of time. any real or personal
property and to give options for sales, exchanges or
leases, for such prices and upon such terms or conditions
as they deem proper.
D. To allocate receipts and expenses to principal or income
or partly to each as they from time to time think proper.
E. To compromise any claim or controversy.
F. To distribute in cash or in kind or partly in each.
G. To hold property in their names without designation of
any fiduciary capacity or in the name of a nominee or
unregistered.
VI.
I direct that all taxes that may be assessed in consequence of
my death of whatever nature and by whatever jurisdiction imposed,
shall be paid from my residuary estate as a part of the expense of
the administration of my estate.
VII.
The interest of the beneficiaries hereunder shall not be
subject to anticipation or to voluntary or involuntary alienation;
and the principal and income shall be paid by the trustee or
guardian directly to or for the use of the beneficiary entitled
thereto, without regard to any assignment, order, attachment or
Page 6
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claim whatever.
VIII.
I appoint my son, Harry Ray Mundorff, Jr. as executor of this
my will.
Should my son, Harry Ray Mundorff, Jr. predecease me,
fail to qualify or cease to act, I appoint Orrstown Bank as
executor of this my will.
IX.
No bond shall be required of any fiduciary hereunder in any
jurisdiction.
IN WITNESS WHEREOF, I hereunto set my hand and seal to this my
last will and testament, consisting of eight typewritten pages, the
first six of which bear my signature in the margin for the purpose
of identification this ~day of ?1V1~~~ , 2~o.s:
Signed,
sealed,
x ~ 1)}7..- J .J) (SEAL)
.7~
published and declared by the above-named
testator as and for his last will and testament in our presence,
who in his presence, at his request and in the presence of each
other have hereunto set our hands as attesting witnesses.
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Page 7
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We, H. RAY MUNDORFF I and
~~ L ~~ the testator and the
whose names are signed to the attached or foregoing instrument,
being first duly sworn, do hereby declare to the undersigned
authority that the testator signed and executed the instrument as
his last will and testament and that he executed it as his free and
voluntary act for the purposes therein expressed and that each of
the witnesses, in the presence and hearing of the said testator
signed the will as witnesses and to the best of their knowledge
said signer was at that time eighteen years of age or older, of
sound mind and under no constraint or undue influence.
~ ;JJl~!11L~
;restatoIJ
z,!!es~ {~ll~r
~~rf~4r-
Witness (
Subscribed, sworn to and acknowledged
before me by the above-named signer and
subscribed an.d sworn to bef~r e by the
above-name~nes~ this day of
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Notary ~ublic -
~otarial Seal
Carin L. Walter, Notary Public
Chambersburg Boro. Franklin County
My Commission Expires May 13, 2009
Page 8
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Merk D8mron
<~,lI'Oft@aewsf8.COI1P
08I28l2OO6 02:12 PM
TO Chris Jadcson <cj8ekson@orrs1o.com>
CC
bee
Subject re: Hey Mark
The value of the folloWing securities as of 4/25/06=
lq,1J.O
'14,11'
IlJr110. ~o
5P, C1~
20m #312828CMO-$99.60
45m #912828EZ9-$99.S0
17m #912818EV8-"$98.65
SOm #9128277J5--$105.30
Mark Damron
Crews 8& Associates, Inc.
First Security Center
521 President Ofnton Avenue
Suite 800
little ROCk, AR 72201
501.978.7992/800.766.2000
501.907.4192 Fax
mdamrnneDcrewsfs.com
*******~*****.****.**.*****.*********..****..***...**********************************-
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Services or products Offered .... this e-mail are available in the United states only. Please note that not aU
of the Investments and services mentioned are available in every statE.
. ..
. ..
August 3, 2006
Zullinger and Davis
Attn: Joel R. Zullinger
20 East Surd St., Ste 6
Shippensburg, PA 17257
. Vanguard"
Vanguard~ Voyager Service@
p.o. Box 1120
Valley Forge, PA 19482-1120
www.vanguard.com
Re: The Estate of H. Ray Mundorff
Dear Mr. Zullinger:
We are responding to your letter requesting the value of the following account. Please convey
our sincere condolences to the family of Mr. H. Ray Mundorff for their loss. As of April 25, 2006,
the number of shares, the price per share, and the value of the account were as follows:
H. Ray Mundorff, Harry R. Mundorff Jr.-Joint Account
Name Fund # Shares Price Value Accrued
Dividends
anguard High-Yield 029-
orporate Fund Investor 9873665356 8,086.351 $6.14 $49,650.20 $241 .19
hares
anguard Prime Money 030-
arket Fund 9873665356 108,015.73
anguard Short-Term
Investment-Grade Fund
Investor Shares
anguard Total Stock
Market Index Fund
Investor Shares
$1.00 $108,015.73
$332.60
039-
9873665356
4,989.598 $10.45 $52,141.30
$150.96
734.604 $31.66 $23,257.56
Please note that the above r~ferenced joint account was established on July 25, 1991.
VSLH 122005
. .
. ..
If you have any questions, please contact your Voyager Service Team at 800-284-7245.
Voyager's business hours are Monday through Friday from 8 a.m. to 10 p.m. and on
Saturday from 9 a.m. to 4 p.m., Eastern time. One of our dedicated Voyager associates will
be pleased to assist you.
Sincerely,
Lisa M. Ficklin
Register Representative
Correspondence Number 20049021
Kelley Blue Book - Private Party Pricing Report - Oldsmobile, Cutlass Supreme
Page 10f2
. ..
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BLUE BOOK'E! PRIVATE PARTY VALUE,
NO PHOTO
AVA.ILA.BlE
Condition
Value
Excellent
$925
Good
$800
(Selected)
Fair
$600
a
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Vehicle Details
Change Equipment
Engine:
Transmission:
Drivetrain:
Mileage:
V6 3.8 Liter
Automatic
RWD
77,000
Selected Standard Equipment
Air Conditioning Power Steering
AM/FM Stereo
Blue Book Private Party Value
Private Party Value is what a buyer can expect to pay when buying a used
car from a private party. The Private Party Value assumes the vehicle is sold
"As Is" and carries no warranty (other than the continuing factory warranty).
The final sale price may vary depending on the vehicle's actual condition and
local market conditions. This value may also be used to derive Fair Market
Value for insurance and vehicle donation purposes.
Vehicle Condition Ratings
Check Vehicle Title History
Excellent
$925
"Excellent" condition means that the vehicle looks new, is in excellent
mechanical condition and needs no reconditioning. This vehicle has never
http://www.kbb.comlKBB/Selection/Condition.aspx
8/28/2006
..
. .
June 15, 2006
TO: Law Offices of
Zullinger-Davis
20 East Burd Street Suite 6
Shippensburg, PA 17257
FROM: Todd L. Miller
Cust. Service Specialist
P.O. BOX 250
SHIPPENSBURG PA 17257-0250
RE: ESTATE OF H. Ray Mundorff
DATE OF DEATH: April 25,2006
IT IS HEREBY CERTIFIED THAT THE ABOVE NAMED DECEDENT HAD, ON THE ABOVE DATE, THE
FOLLOWING ACCOUNTS WITH ORRSTOWN BANK:
CHECKING ACCOUNTS
ACCOUNT NO. TITLE OF ACCOUNT DATE OPENED PRINCIPAL & ACCRUED INTEREST
693308 H. Ray Mundorff 11/06/96 $8,614.22 $.60
Harry R. Mundorff, Jr.
CERTIFICATES OF DEPOSIT
ACCOUNT NO. TITLE OF ACCOUNT DATE OPENED PRINCIPAL & ACCRUED INTEREST
4000002146 H. Ray Mundorff 09/15/03 $45,285.15 $54.56
Harry R. Mundorff, Jr.
4000005258 H. Ray Mundorff 01/05/05 $15,036.84 $23.80
Harry R. Mundorff, Jr.
4000005438 H. Ray Mundorff 01/27/05 $27,092.17 $72.52
Harry R. Mundorff, Jr.
4000008376 H. Ray Mundorff 12/30/05 $18,949.31 $56.16
Harry R. Mundorrf,Jr.
~.
. .
APPRAISAL AND REPORT IDENTIFICATION
This appraisal conforms to JlD.li of the following definitions:
~ Complete Appralsal (The act or process of estimating value, or an opinion of value, performed without invoking the Departure Rule.)
[J Limited Appraisal (The act or process of estimating value, or an opinion of value, performed under and resulting from invoking the
Departure Rule.)
This report Is one. of the following types:
Self Contained (A written report prepared under Standards Rule 2-2(a) of a Complete or Limited Appraisal performed under STANDARD 1.)
~ Summary (A written report prepared under Standards Rule 2-2(b) of a Complete or Limited Appraisal performed under STANDARD 1.)
D Restricted (A written report prepared under Standards Rule 2-2(c) of a Complete or Limited Appraisal performed under STANDARD 1,
restricted to the stated intended use by the specified client or intended user.)
Comments on Standards Rule 2-3
I certify that, to the best of my knowledge and belief:
[ ] The statements of fact contained in this report are true and correct.
L J The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and unbiased
professional analyses, opinions and conclusions.
lJ I have no (or the specified) present or prospective interest in the property that is the subject of this report, and no (or the specified) personal interest wnh respect to the
parties involved.
[' ] I have no bias wnh respect to the property that is the subject of this report or the parties involved with this assignment.
[J My engagement in this assignment was not contingent upon developing or reporting predetermined results.
II 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.
r I My analyses, opinions and conclusions were developed and this report has been prepared, in conformny with the Uniform Standards of Professional Appraisal Practice.
L! I have (or have not) made a personal inspection of the property that is the subject of this report.
II No one provided significant real property appraisal assistance to the person signing this certification. (If there are exceptions, the name of each individual providing signRicant
real property appraisal assistance must be stated.)
Comments on Appraisal and Report Identification
Note any departures from Standards Rules 1-3 and 1-4, plus any US PAP-related issues requiring disclosure:
--
/1
/
//
/:
/j'.
0" ,-
APPRAISER: /J i/ /./ SUPERVISORY APPRAISER (only If reqUired):
'i'~ Signature:
Signature: </ . i: ( .1---......
Name: Tim.LAus~erman GAA Name:
Date Signed: 5-26-2006 Date Signed:
State Certification #: Ga-000149-L State Certification #:
or State License #: or State License #:
State: Pa State:
Expiration Date of Certification or License: 6/30/2007 Expiration Date of Certification or License:
I o Did [J Did Not Inspect Property
Ausherman Bros. Real Estate Inc.
Form 105 - 'TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE
...
___ ,",VIIU.f"'l _............. V. . 1.1 ....Y ,.,,,,U ("'VI U - -- U\JlI \,r,t\ v'n,itit ._""~\.'\.i -'...., \,1 tUY n.\A1 '"",vt,, V\..t\iU"Qlll. '/.... vvvm::a . lvI/am 1 vCtvQlIl
.. prooertv riohts aooraised 'X Fee Simele Leasehold Proiect Tvee PUD : Condominium IHUDNA onlvl HOA $ NA IMo.
J!gjgOborhood or Project Name ShippensburQ Map Reference 34-34-2415-124 Census Tract 0132&9__________
Sale Price !I; Date of Sale NA Deseriotion and $ amount of loan charaes/concessions to be oaid bv seller N/ A ----
Lender/Client Joel Zullinaer Esauire Address
Aooraiser Tim L.Ausherman GAA Address 229 North Second Street Chambersbura. Pa 17201
Location l,,J Urban [X:J Suburban R Rural Predominant Sl~e family housing Present land use % Land use change
PRI AGE
Built up [] Over 75% ~ 25-75% Under 25% occupancy $(OOO) (yrs) One family ~ (2<;j Not likely L j Likely
Growth rate [] Rapid kX:J Stable Slow ~ Owner 95 50 Low~ 2-4 family _ 20__ [J In process
Property values ~ Increasing [] Stable ;Occ . IJ Tenant 275 Hioh 175 Multi-family 10 To:
:= Declimng -.--.--.-----
Demand/supply tN Shortage [J In balance Over supply t><J Vacant (0-5%) .1 Predominant f~ Commercial
c.cc=
Marketina time rx1 Under 3 mos. Fi 3-6 mos. Over 6 mos. ['I Vac.(over 5%\ 120 100 Vacant
Note: Race and the racial composition of the neighborhood are not appraisal factors.
Neighborhood boundaries and characteristics: Bounded by Hollar Ave to the east, Fayette St to the west, KinQ St to the north and bora line to the
south.
f. Factors that affect the marketability of the properties in the neighborhood (proximity to employment and amenities, employment stability, appeal to market, etc.):
Subiect orooertv is located within the downtown section of Shippensbura. Area is a mix of residential. multi familv and small commercical
:: I orooerties. Overall appeal to the market is considered as averaae. Emolovment stabilitv within the area is aood with the unemoloyment rate
under 4%.
Market conditions in the subject neighborhood (including support for the above conclusions related to the trend of property values, demand/supply, and marketing time
__ such as data on competitive properties for sale in the neighborhood, description of the prevalence of sales and financing concessions, etc.):
Current marketinQ time is under 3 months overall demand for homes within the area is aood. Demand is currentlv outoacina suoolv of homes
available.
.. Project Information for PUDs (If applicable) - - Is the developer/builder in control of the Home Owners' Association (HOA)? U Yes [Xl No
. Approximate total number of units in the subject project N/A Approximate total number of units for sale in the subject project ~~
Describe common elements and recreational facilities: N/A
Dimensions irreaular Topography Level
Site area .06 acre Corner Lot 0 Yes rg) No Size Tvolcal
Specffic zoning classification and description C-1 Shape rectanaular
Zoning compliance [Xl Legal D Legal nonconfr~ing (Grandfathered use) 0 Illegal o No zoning Drainage Adequate
Hinhp~t R. be~1 ,,~p. .. imoroved: r5<f Present use Other use (exnlainl View Averaae
Utilities Public Other Off-site Improvements Type Public Private Landscaping AveraQe
Electricity CXJ Street asphalt ~ 0 Driveway Surface None
Gas LZJ Curb/gutter Concrete ~ 0 Apparent easements None observed.
Water fZJ Sidewalk concrete ~ 0 FEMA Special Flood Hazard Area [J Yes C8J No
Sanitary sewer ~ Street lights Street ~ R FEMA Zone C Map Date 3/15/1979
Storm sewer AIIev asohalt FEMA Mao No. 4203680001 A
Comments (apparent adverse easements, encroachments, special assessments, slide areas, illegal or legal nonconforming zoning use, etc.): No adverse
easements or encroachments were observed.
GENERAL DESCRIPTION EXTERIOR DESCRIPTION FOUNDATION BASEMENT INSULATION
No. of Units 1 Foundation Stone Slab no Area Sq. Ft. 954 Roof -[]
No. of Stories 2 Exterior Walls Alumn sid Crawl Space none % Finished 30 Ceiling ~ rx:J
Type (Detl Att.) Detached Roof Surface Asohalt Basement full Ceiling tile Walls ~ C><J
Design (Style) 2 sl Gutters & Dwnspts. Alumn Sump Pump ves Walls panel Floor -DQ!!L D
Existing/Proposed ExistinQ Window Type Obi hunn Dampness ves Floor carpet None -[J
Age (Yrs.) 96 Storm/Screens Thermo wind Settlement No Outside Entry no Unknow~ [J
Effective Ane IYrs. \ 30 Manufactured House No Infestation No
ROOMS Fover Livina Dininn Kitchen Den Familv Rm. Rec. Rm. Bedrooms # Baths Laundrv Other Area Sn. Ft.
: Basement 1 954
Levell 1 1 1 954
Level 2 4 1 954
. Finished area above orade contains: 7 Rooms' 4 Bedroomls): 1 Bath's): 1,908 Scuare Feet of Gross Livina Area
INTERIOR MaterialS/Condition HEATING Steam KITCHEN EQUIP. ATTIC AMENITIES CAR STORAGE: None
- Floors Cot.vinlavQ Type Steam Refrigerator [f} None 0 Fireplace(s) # None D None ~
Walls plaster,panel/ava Fuel oil Range/Oven [f} Stairs fZJ Patio None 0 Garage # of cars
Trim/Finish wood/avQ Condition avn Disposal 0 Drop Stair 0 Deck None 0 Attached
Bath Floor vinvl/avo COOLING no Dishwasher 0 Scuttle 0 Porch Porch LZJ Detached
Bath Wainscot oanel/ava Central no FarVHood [g] Floor ~ Fence None 0 Built-In
Doors holle/ava Other Microwave 0 Heated R Pool None 0 Carport
Condition no Washer/Dryer n Finished n Drivewav none
Additional features (special energy efficient items, etc.): Front and rear Dorch thermo reolacement windows relativelv new roof older sMe kitchen.
Condition of the improvements. depreCiation (physical, functional, and external), repairs needed, quality of construction, remodeling/additions, etc.: No adverse
factors were observed normal ohvsical deoreciation associated with use subiect orooertv is in averaoe condition.
..
Adverse environmental conditions (such as, but not limited to, hazardous wastes, toxic substances, etc.) present in the improvements, on the site, or in the
immediate vicinity of the subject praperty.: No adverse environmental conditions were observed on the site or within the immediate neiahborhood.
. .
Freddie Mac Form 70 6/93
PAGE 1 OF 2
Form UA2 - 'TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE
Fannie Mae Form 1004 6/93
...
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Porches = 5,000 conditions. No weiaht is nlaced in this annroach due to the aae of
Garage/Carport _ SQ. Ft. @$ 0.00 = the imorovements.
Total Estimated Cost New = $ 172,904
- Less Physical Functional Extemal
Depreciation 86,4521 I =$ 86 452
Depreciated Value of Improvements . =$ 86 452
'As-Is' Value of Site Improvements =$ 5000
INDICATED VALUE BY COST APPROACH . -$ 121,452
ITEM I SUBJECT COMPARABLE NO.1 COMPARABLE NO.2 COMPARABLE NO.3
13 E Orange St 111 East Orange St 20 Richard Ave 112 North Earl St
Address Shiooensbura Shinnensbura Shiooensbura Shiooensbura Pa
Proximitv to Subject .. ~.,.,. .' 1 block 1 mile 1milA
,<,.
S I'.!;.~: ....iF.1 s 00 nnn '.". 104.000 = 118.000
Sales Price .....,'i.,..;....I:li
Price/Gross Livino Area $ ltJli 45.92 (N~ ........ cc-, ..... .... .'. l; 61.18 rj:J pi 'B"", $ 58.07 ell !......<)...io>>
Data and/or M Ls-Courthouse MLs-Courthouse MLS
Verification Source Courthouse
VALUE ADJUSTMENTS - DESCRIPTION +H$ Adiust. DESCRIPTION + H$ Adiust. DESCRIPTION : + H$ Adiust.
Sales or Rnancing Cony 6 DOm Cony Cony 29 DOm :
Concessions None None No concess
Date of SalefTime 5-31-2005 +5 000 6-30-2005 +5 500 6-3-2005 +6.000
Location Averaae Averaae : Averaae Averane
LeasehoWFee Simnle Fee Simole Fee simnle Fee Simole Fee Simole
Site .06 acre .07 acre .11 .17A/Ava -1 000
View Averaae Averane Averaae Averane
Desion and Anneal 2 st 2 st lava T 2 sUava 2 st
Qualilv of Construction Alumn/ava Alumn/ava -. Frame/ava +3 000 Alumn/ava
:
Ane 96 100+- -. 100+- 100+- :
Condition Averaae Averane Averaae Averane :
Above Grade Total: Bdrms: Baths Total : Bdrms : Baths: Total ; Bdrms : Baths : Total: Bdrms : Baths:
Room Count 7 : 4 1 7 : 4 : 2 : -3,000 7 : 4 : 1.5 -1,500 7 : 3 : 2 -3,000
- Gross Livino Area 1 908 So. Ft. 2 156 Sn. Ft. : -3 720 1 700 So. Ft. : +3120 2 032 So. Ft. : -1 860
- Basement & Finished Basement Full Basement Basement . :
Rooms Below Grade Fam rm Unfinished +2 000 Unfinished +2 000 Unfinished +2.000
Functional Utililv Averaae Averane : Averaae Averane
: HeatinolCoolino Steam/none Hw/none : Hw/none Hw/none
- Enernv Efficient Items Thermo wind Swsd : Swsd Sw
GaranpJCamort None None : 2 car -6 000 1 carnort -1 500
- Porch, Patio, Deck, Porches Porches Porches Porch
:
Rrenlacels\ etc. None None None None
Fence Pool etc. None None : None None
Kitchen 11I1 Std Kitchen : Std Kitchen Std Kitchen :
Net Adi. (totall 1'21+ f1-$ 280 1X1+ il-$ 6120 i'X .j. l-$ 640
Adjusted Sales Price {iit;"~;;~S~ifW3~ll S ,t;i,N~,,:~.~t~l. 1./' '..:NAt',.. &~o'~l t
",,c'''',;,,,
of Comoarable 99 280 . GrOsS:'2o.f%I$ 110120 118640
Comments on Sales Comparison (including the subject property's compatibility to the neighborhood, etc.): The comoarable sales are over six months old
however reoresent the best most recent comnarable sales of home like the subject orooertv within the boro of Shiooensbura.
ITEM SUBJECT COMPARABLE NO. 1 COMPARABLE NO.2 COMPARABLE NO.3
Date, Price and Data 3-5-98 N/A N/A N/A
Source, for prior sales Courthouse Steb-MLS Steb-MLS Steb-MLS
within year of aooraisal 1 No sale nrev vr No sale orev vr No sale orev vr
Analysis of any current agreement of sale, option, or listing of subject property and analysis of any prior sales of subject and comparables within one year of the date of appraisal:
Comoarable sales are closed sales. The subiect nronertv has not been listed for sale within the oast vear.
INDICATED VALUE BY SALES COMPARISON APPROACH ..... . . .... '/M~. .~ Gr~s~ R~~t M~lii~lie~" $ 110000
INDICATED VALUE BY INCOME APPROACH (if Annlicable\ Estimated Market Rent S N/A N/~ ...,l; N/A
This appraisal is made iLQ "as Is' U subject to the repairs, alterations, inspections or conditions listed below LJ subject to completion per plans & specifications.
Conditions of Appraisal: See attached Firrea add and Jimitino conditions.
Rnal Reconciliation: emohasis was olaced on the Sales Comoarison Aooroach to value which best reflects buvers within the marketolace. Cost
aooroach tends to suooort this estimate of value. Income Aooroach was not utilized due to lack of comnarable sale that were rented to
establish a Gross Rent Mulliolier.
The purpose of this appraisal is to estimate the market value of the real property that is the subject of this report, based on the above conditions and the certification, contingent
- and limiting conditions, and market value d_n that are stated in the attached Freddie Mac Form 439/FNMA form 1004B (Revised 6-93 ).
_ I (WE) ESnMATE nlE 1Wl~~DEANED' OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT, AS OF 4-25-2006
(WHICH IS THE DATE OF ~,...EPTI0 PTHE EFFECTIVE DATE OF THIS REPORT) TO BE $ 110,000
. APPRAISER: /~~/~/ / SUPERVISORY APPRAISER (ONLY IF REQUIRED):
Sinnature / 7>/ --- Sianature [J Did Did Not
Name Tim L.AlisMerJf1an GAA Name Inspect Property
Date ReDort Sianed 5~6-2006 Date Renort Sioned
State Certification # Ga-000149-L State Pa State Certification # State
Or State License # State Or State License # State
.. ,.
Freddie Mac Form 70 6/93
PAGE 2 OF 2
Form UA2 - 'TOTAL for Windows" appraisal software by a la mode, inc. - l-BOO-ALAMODE
Fannie Mae Form 1004 6-93
....
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State Pa
Zip Code 17257-1999
County Cumberland
This Multi-Purpose Supplemental Addendum for Federally Related Transactions was designed to provide the appraiser with a convenient way to comply with the current
appraisal standards and requirements of the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of Currency (OCC), The Office of Thrift
Supervision (OTS), the Resolution Trust Corporation (RTC), and the Federal Reserve.
This Multi-Purpose Supplemental Addendum Is for use with any appraisal. Only those
statements which have been checked by the appraiser apply to the property being appraised.
~ PURPOSE & FUNCTION OF APPRAISAL
The purpose of the appraisal is to estimate the market value of the subject property as defined herein. The function of the appraisal is to assist the above-named
Lender in evaluating the subject property for lending purposes. This is a Federally related transaction.
~ EXTENT OF APPRAISAL PROCESS
D3J The appraisal is based on the information gathered by the appraiser from public records, other identified sources, inspection of the subject property and
neighborhood, and selection of comparable sales within the subject market area. The original source of the comparables is shown in the Data Source section
of the market grid along with the source of confirmation, if available. The original source is presented first. The sources and data are considered reliable.
When conflicting information was provided, the source deemed most reliable has been used. Data believed to be unreliable was not included in the report nor
used as a basis for the value conclusion.
~ The Reproduction Cost is based on Marshall And Swift
supplemented by the appraiser's knowledge of the local market.
0 Physical depreciation is based on the estimated effective age of the subject property. Functional and/or external depreciation, if present, is specrtically
addressed in the appraisal report or other addenda. In estimating the site value, the appraiser has relied on personal knowledge of the local market. This
knowledge is based on prior and/or current analysis of site sales and/or abstraction of site values from sales of improved properties.
[XJ The subject property is located in an area of primarily owner -occupied single family residences and the Income Approach is not considered to be meaningful.
For this reason, the Income Approach was not used.
D The Estimated Market Rent and Gross Rent Multiplier utilized in the Income Approach are based on the appraiser's knowledge of the subject market area.
The rental knowledge is based on prior and/or current rental rate surveys of residential properties. The Gross Rent Multiplier is based on prior and/or current
analysis of prices and market rates for residential properties.
D For income producing properties, actual rents, vacancies and expenses have been reported and analyzed. They have been used to project future rents,
vacancies and expenses.
~ SUBJECT PROPERTY OFFERING INFORMATION
According to Owner & MLS the subject property:
~ has not been offered for sale in the past: D 30 days ~ 1 year D 3 years.
D is currently offered for sale for $
D ~ for sale within the past: D 30 days D 1 year [2J 3 years for $
D Offering information was considered in the final reconciliation of value.
~ Offering information was not considered in the final reconciliation of value.
D Offering information was not available. The reasons for unavailability and the steps taken by the appraiser are explained later in this addendum.
[:gJ SALES HISTORY OF SUBJECT PROPERTY
According to Franklin Co Courthouse the subject property:
D has not transferred in the past twelve months. ~ has not transferred in the past thirty-six months.
D has transferred in the past twelve months. ~ has transferred in the past thirty-six months.
D All prior sales which have occurred in the past twelve months are listed below and reconciled to the appraised value, either in the body of the report or
in the addenda.
Date Sales Price Document # Seller Buyer
C8J FEMA FLOOD HAZARD DATA
C8J Subject property is not located in a FEMA Special Flood Hazard Area.
D Subject property ~ in a FEMA Special Flood Hazard Area.
I Zone FEMA Map/Panel # Map Date Name of Community
C 4203680001 A 3/15/1979 Shiooensbura
D The community does not participate in the National Flood Insurance Program.
~ The community does oarticinate in the National Flood Insurance Program.
D It is covered by a regula[ program.
D It is covered by an ~ program.
Page 1 of 2
Form MPA2 - "TOTAL for Windows' appraisal software by a la mode, inc. - 1-800-ALAMODE
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The contract and/or escrow instructions were reviewed. The following summarizes the contract:
Contract Date Amendment Date Contract Price Seller
Estate of H.Rav Mundorff
[J The contract indicated that personal property was not included in the sale.
[] The contract indicated that personal property was included. It consisted of
Estimated contributory value is $
Personal property was not included in the final value estimate.
Personal property was included in the final value estimate.
The contract indicated no financino concessions or other incentives.
The contract indicated the followinQ concessions or incentives:
If concessions or incentives exist, the comparables were checked for similar concessions and appropriate adjustments were made, if applicable, so
that the final value conclusion is in compliance with the Market Value defined herein.
~ MARKET OVERVIEW Include an explanation of current market conditions and trends.
3 months is considered a reasonable marketing period for the subject property based on Stats from MLS
~ ADDITIONAL CERTIFICATION
The Appraiser certifies and agrees that:
(1) The analyses, opinions and conclusions were developed, and this report was prepared, in conformity with the Uniform Standards of Professional
Appraisal Practice ('USPAP"), except that the Departure Provision of the USPAP does not apply.
(2) Their compensation is not contingent upon the reporting of predetermined value or direction in value that favors the cause of the client, the amount
of the value estimate, the attainment of a stipulated result, or the occurrence of a subsequent event.
(3) This appraisal assignment was not based on a requested minimum valuation, a specific valuation, or the approval of a loan.
~ ADDITIONAL (ENVIRONMENTAL) LIMITING CONDITIONS
The value estimated is based on the assumption that the property is not negatively affected by the existence of hazardous substances or detrimental
environmental conditions unless otherwise stated in this report. The appraiser is not an expert in the identification of hazardous substances or detrimental
environmental conditions. The appraiser's routine inspection of and inquiries about the subject property did not develop any information that indicated
any apparent significant hazardous substances or detrimental environmental conditions which would affect the property negatively unless otherwise stated
in this report. It is possible that tests and inspections made by a qualified hazardous substance and environmental expert would reveal the existence of
hazardous substances or detrimental environmental conditions on or around the property that would negatively affect its value.
D ADDITIONAL COMMENTS
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~ APPRAISER'S SIGNATUR~,.I,ICENSE/CERTIFICATION
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Appraiser's Signature /ff4// Effective Date 4-25-2006 Date Prepared 5-26-2006
Appraiser's Name (printf /TW'.L~herman ~____ Phone # V"17 ) 264-6715
State Pa'/ / R'J license ~ Certification # Ga-000149-L Tax 10 # 25-1552788
D CO-SIGNING APPRAISER'S CERTIFICATION
D The co-signing appraiser has personally inspected the sUbject property, both inside and out, and has made an exterior inspection of all comparable sales
listed in the report. The report was prepared by the appraiser under direct supervision of the co-signing appraiser. The co-signing appraiser accepts
responsibility for the contents of the report including the value conclusions and the limiting conditions, and confirms that the certifications apply
fully to the co-signing appraiser.
0 The co-signing appraiser has not personally inspected the interior of the sUbject property and:
0 has not insoected the exterior of the subject property and all comparable sales listed in the report.
D has inspected the exterior of the subject property and all comparable sales listed in the report.
D The report was prepared by the appraiser under direct superviSion of the co-signing appraiser. The co-signing appraiser accepts responsibility for the
contents of the report, including the value conclusions and the limiting conditions, and confirms that the certifications apply fully to the co-signing
appraiser with the exception of the certification regarding physical inspections. The above describes the level of inspection performed by the
co-signing appraiser.
0 The co-signing appraiser's level of inspection, involvement in the appraisal process and certification are covered elsewhere in the addenda section
of this appraisal.
U CO-SIGNING APPRAISER'S SIGNATURE & LICENSE/CERTIFICATION
Co-Si9ning Effective Date
Appraiser's Signature Date Prepared
Co-Signing Appraiser's Name (print) Phone # ( )
Stale o License o Certification # Tax 10 #
Page 2 of 2
Form MPA2 - "TOTAL for Windows' appraisal software by a la mode, inc. -1-800-ALAMODE
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Subject Front
13 E Orange St
Sales Price
GLA 1,908
Total Rooms 7
Total Bedrms 4
Total Bathrms 1
Loca~on Average
View Average
Site .06 acre
Quality AJumn/avg
Age 96
Subject Rear
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Subject Street
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Comparable 1
111 East Orange St
Proximity 1 block
Sale Price 99,000
GLA 2,156
Total Rooms 7
Total Bedrms 4
Total Bathrms 2
Location Average
View Average
Site .07 acre
Quality Alumn/avg
Age 100+-
Comparable 2
20 Richard Ave
Proximity 1 mile
Sale Price 104,000
GLA 1,700
Total Rooms 7
Total Bedrms 4
Total Bathrms 1.5
Location Average
View Average
Site .11
Quality Frame/avg
Age 100+-
Comparable 3
112 North Earl St
Proximity 1 mile
Sale Price 118,000
GLA 2,032
Total Rooms 7
Total Bedrms 3
Total Bathrms 2
Location Average
View Average
Site .17 NAvg
Quality Alumn/avg
Age 100+-
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requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the pnce is not affected by undue stimulus. Implicit in this
definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are
typically motivated; (2) both parties are well informed or well advised, and each acting in what he considers his own best interest; (3) a reasonable time is allowed
for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto: and (5) the price
represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions. granted by anyone associated with
the sale.
· Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary
for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable
since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the
comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the
property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession
but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the
appraiser's judgement.
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is subject to the following
conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes that
the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of it being under responsible
ownership.
2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is included only to assist
the reader of the report in visualizing the property and understanding the appraiser's determination of its size.
3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted
in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes
no guarantees, express or implied, regarding this determination.
4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do
so have been made beforehand.
5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their contnbu1ory value. These
separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if they are so used.
6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, the presence of hazardous wastes, toxic
substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the normal research involved in performing
the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden or unapparent conditions of the property or
adverse environmental conditions (including the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable, and
has assumed that there are no such conditions and makes no guarantees or warranties, express or implied, regarding the condition of the property. The
appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such
conditions exist. Because the appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an
environmental assessment of the property.
7. The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that he or she considers to be
reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such items that were fumished by other
parties.
8. The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional Appraisal Practice.
9. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or
atterations on the assumption that completion of the improvements will be performed in a workmanlike manner.
10. The appraiser must provide his or her pnor wntten consent before the lender/client specified in the appraisal report can distnbute the appraisal report
(including conclusions about the property value, the appraiser's identity and professional designations, and references to any professional appraisal
organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the mortgagee or its successors and assigns; the mortgage
insurer; consuttants; professional appraisal organizations; any state or federally approved financial institution; or any department, agency, or instrumentality
of the United States or any state or the District of Columbia; except that the lender/Client may distribute the property description section of the report only to data
collection or reporting service(s) without having to obtain the appraiser's prior written consent. The appraiser's written consent and approval must also
be obtained before the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media.
Freddie Mac Form 439 6.93
Page 1 of 2
Fannie Mae Form 1004B 6-93
Ausherman Bros. Real Estate Inc.
Form ACR - 'TOTAL for Windows' appraisal software by a la mode, inc. - 1-800-ALAMODE
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1. I have researched the subject market area and have selected a minimum of three recent sales of properties most similar and proximate to the subject property
for consideration in the sales comparison analysis and have made a dollar adjustment when appropriate to reflect the market reaction to those items at significant
variation. If a significant nem in a comparable property is superior to, or more favorable than, the subject property, I have made a negative adjustment to reduce
the adjusted sales price of the comparable and, if a significant item in a comparable property is Inferior to, or less favorable than the subject property, I have made
a positive adjustment to Increase the adjusted sales price of the comparable.
",..
2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the appraisal report. I have not
knowingly withheld any significant information from the appraisal report and I believe, to the best of my knowledge, that all statements and information in the
appraisal report are true and correct.
3. f stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the contingent
and limiting conditions specified in this form.
4. I have no present or prospective interest in the property that is the subject to this report, and I have no present or prospective personal interest or bias with
respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or the estimate of market value in the appraisal report
on the race, color, religion, sex, handicap, familial status, or national origin of either the prospective owners or occupants of the SUbject property or of the present
owners or occupants of the properties in the vicinity of the subject property.
5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my compensation for performing this
appraisal is contingent on the appraised value of the property.
6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party, the amount of the value estimate,
the attainment of a specific res un, or the occurrence of a subsequent event in order to receive my compensation and/or employment for performing the appraisal. I
did not base the appraisal report on a requested minimum valuation, a speCific valuation, or the need to approve a specific mortgage loan.
7. I performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal
Standards Board of The Appraisal Foundation and that were in place as of the effective date of this appraisal, with the exception of the departure provision of those
Standards, which does not apply. I acknowledge that an estimate of a reasonable time for exposure in the open market is a condition in the definition of market value
and the estimate I developed is consistent with the marketing time noted in the neighborhood section of this report, unless I have otherwise stated in the
reconciliation section.
8. I have personally inspected the interior and exterior areas of the subject property and the exterior of all properties listed as comparables in the appraisal report.
I further certify that I have noted any apparent or known adverse conditions in the SUbject improvements, on the subject site, or on any site within the immediate
vicinity of the subject property of which 1 am aware and have made adjustments for these adverse conditions in my analysis of the property value to the extent that
1 had market evidence to support them. I have also commented about the effect of the adverse conditions on the marketability of the subject property.
9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on significant professional
assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal report, I have named such individual(s) and
disclosed the specific tasks performed by them in the reconciliation section of this appraisal report. I certify that any individual so named is Qualified to perform
the tasks. I have not authorized anyone to make a change to any item in the report; therefore. if an unauthorized change is made to the appraisal report, I will take
no responsibility for it.
SUPERVISORY APPRAISER'S CERTIFICATION: If a superviSOry appraiser signed the appraisal report, he or she certifies and agrees that:
I directly supervise the appraiser who prepared the ~prnf~1 report, have reviewed the appraisal report, agree wnh the statements and conclusions of the appraiser,
agree to be bound by the appraiser's certificati,o~s ~bered 4 through 7 above, and am taking full responsibility for the appraisal and the appraisal report.
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ADDRESS OF PROPERty!APPRAISED: J~;:__Qr~r1gli!$t,$l:IiQPElI1l?l:lurg, fa 1 125]..J~09 ___
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APPRAISER: /, ,.
~:;'~i.~ilft;==__
State Certifi ion #:(3a-()Q()J49~b_
or State license #:
State: J'? ____________
Expiration Date of Certification or license: 6/3QfgQ07
SUPERVISORY APPRAISER (only if reqUired):
Signature:
Name:
Date Signed:
State Certification #:
or State License #:
State:
Expiration Date of Certification or license:
o Did
o Did Not Inspect Property
Freddie Mac Form 439 6-93
Page 2 of 2
Fannie Mae Form 1004B 6-93
Form ACR - "TOTAL for Windows' appraisal software by a la mode, inc. - 1-800-ALAMODE
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August 5, 1991
THIS DEED
MADE this .J.l!: day of
AUfiu<;i:
I
, 19 91 ,
Between
H. RAY MUNDORFF of the Borough of Shippensburg, Cumberland
County, Pennsylvania, hereinafter whether one or more referred to
as "GRANTOR,"
And
H. RAY MUNDORFF and HARRY R. MUNDORFF, JR., of Shippensburg,
Cumberland County, Pennsylvania, hereinafter whether one or more
referred to as "GRANTEE,"
WITNESSETH, that in consideration of the sum of One ($1.00)
Dollar, in hand paid, the receipt whereof is hereby acknowledged,
the said Grantor does hereby grant and convey in fee simple to said
Grantee as joint tenants with the right of survivorship and not as
tenants in common,
ALL the following described real estate lying and being
situate in the Borough of Shippensburg, Cumberland County,
Pennsylvania, more particularly described as follows:
ON the South by East Orange street; on the West by
property now or formerly of the Estate of Oren
Clippinger; on the North by property now or formerly of
Mike Rosenberry; and on the East by property now or
formerly of Laura Rolar; containing in front on East
Orange Street 40 feet, more or less, and extending in
depth 64 feet, more or less.
THE above-described real estate is the same which Gordon
H. Baker and Elsie R. Baker, his wife, by deed dated July
15, 1948, recorded in Cumberland County, Pa., Deed Book
, Vol. , Page , conveyed to H. Ray
Mundorff and Kathleen s. Mundorffj his wife. The said
Kathleen S. Mundorff died uly 6, 1991 ,thus
vesting full title in H. Ray Mundorff, the Grantor
herein.
THIS is a transfer between parent and child and thus
exempt from realty transfer tax.
~oo~ 35 fACE 447
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AND the said Grantor hereby warrants generally the property
herein conveyed.
IN WITNESS WHEREOF, the said Grantor does hereby set his hand
and seal the day and year first above written.
witness:
9vL K'Jj~Ar
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tl~;<c' . ) l./~!I-
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(Seal)
STATE OF PENNSYLVANIA:
.
COUNTY OF C ~W\J,el"{~k~;
On this the ("f:.t.. day of Ii 1#l;U rf- ,19n, before me
the undersigned officer, personally a eared H. Ray Mundorff, known
to me (or satisfactorily proven) to be the person whose name i,~ .....
subscribed to the within instrument, and acknowledged the foregQ,i.f1gd".~";""""f~
deed to be his act and deed and desired the same to be recor~,e3i>~a..$;t~:;~'~:<'O\
such. .r%~~t ,. ;,,)f:;~
witness my hand and official seal the day and year flrst'abeve · r;'. ."
written. (Job l?,. ~ \il$it~,~~:~~~~;~~i'
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Notary Public . ...,.., ",'
My commission expires:
I maintain my office in:
,- , NOTI\R;A~ SEAL
f vtdJA. M, SE.I."SE Nr'....:y P'fb"
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I hereby certify that Grantee's precise residence and post
office address is:
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h,' "Af ~ /7i r'7
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Dated: J/" ~Jf/
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~oo1(~' 35 rAtE 448
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State of Pennsvlvania:::j~f'~';i~''''~~'
Co unty of Cu mberla nd;'li~,;:::"!;;;'~:.~~flf~:J,:.~,l~1>.,
Recorded in the office for the r~~~i~pg,'i1f"oeeds
e$,C::, .inand for Cumber!a. nd County",' Pa...
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In' v\l'o. Book ~ VOI.~..b.__ P?lge'~1\ f j
',",itness mY' hand gnd.t-;t~i3\ o~ oHlce of " ("'"
:Carlisle, PA this ,~-=_ of f1('\i,~~;l 19~
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