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Home My WebLink About02-15-07 (2) -.J 15056051058 REV.1500 EX (06-05) PA Department of Revenue *' Bureau of Individual Taxes PO BOX 280601 Harrisburg, PA 17128-0601 ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death OFFICIAL USE ONLY County Code Year Ale blwn.bek INHERITANCE TAX RETURN "11 at-. ~I I RESIDENT DECEDENT 0. \lIJ Date of Birth 206-36-9893 02113/2006 03/22/1907 Decedent's Last Name Suffix Decedent's First Name MI Perry Margaret K (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW . 1. Original Return 2. Supplemental Return 3. Remainder Return (date of death prior to 12-13-82) 5. Federal Estate Tax Return Required 4. Limited Estate 4a. Future Interest Compromise (date of death after 12-12-82) 7. Decedent Maintained a LMng Trust (Attach Copy of Trust) 10. Spousal Poverty Credit (date of death 11. Election to tax under Sec. 9113(A) between 12-31-91 and 1-1-95) (Attach Sch. 0) CORRESPONDENT - THIS SECTION MUST BE COMPLETED. All CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOUlD BE DIRECTED TO: Name Daytime Telephone Number . 6. Decedent Died Testate (Attach Copy of WID) 9. Litigation Proceeds Received . 8. Total Number of Safe Deposit Boxes John L. Perry Firm Name (If Applicable) (717) 334-7624 First line of address r-' REGISTER Of"LLS USE ONg ,-' -.I -,., f"T1 CO 12 Walnut Lane (J't Second One of address State ZIP Code ;:-j(') I~-Tl DAT!=,friJib -0 City or Post OffIce Camp Hill .J::'" -2'J ~ ~"'~'~~ -~.f'" _~100. ...J..-> o .::- PA 17011 Correspondent's e-mail address: jperry@midpenn.org ~ ~61"""t- ~Ne C;4I4-4J'CJ ~r/ OF PREPARER OTHER THAN REPRESENTATIVE /7(7/ / DATE ADDRESS PLEASE USE ORIGINAL FORM ONLY L 15056051058 Side 1 15056051058 ....J -.J 15056052059 REV-1500 EX Decedenfs Name: RECAPITULATION 1. Real estate (Schedule A). ...... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 1. 2. Stocks and Bonds (Schedule B) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 2. 3. Closely Held Corporation, Partnership or SoIe-ProprietorshIp (Schedule C) . . . .. 3. 4. Mortgages & Notes Receivable (Schedule D) . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 4. 5. Cash, Bank Deposits & M1sceUaneous Personal Property (Schedule E) . . . . . . .. 5. 6. Jointly OWned Property (Schedule F) Separate BlUing Requested . . . . . .. 6. 7. Inter-VIvos Transfers & MlsceUaneous Non-Probate Property (Schedule G) Separate Billing Requested... . . . .. 7. 8. ToIlIl Gross Assets (total Lines 1-7). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 8. 9. Funeral Expenses & Admlnls1ratlve Costs (Schedule H)...... .... .... ..... '. 9. 10. Debts of Decedent, Mortgage Uablltles, & Liens. (Schedule I). . . . . . . . . . . . . . . . 10. 11. ToIlIl Deductions (total Lines 9 & 10).. . . . , . . . .. . . . . . . . .. . . . . . . . . .. . . . .. 11. 12. Net VIII.. of Estate (Une 8 minus Line 11) . . . . . . . . . . . . . . . . . . . . . . . . . . . .. . 12. 13. Charitable and Governmental Bequests/See 9113 Trusts for which an election to tax has not been made (Schedule J) . .. . . . . . . . . .. . ... .. . . . . . 13. 14. Net VIII.. Subject to Tu (Une 12 minus Line 13) ..... . . . . . . . . . . . . .. . . . . . 14. TAX COMPUTATION - SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of line 14 taxable at the spousal tax rate, or transfers under See. 9116 (a)(1.2) X .0_ 16. Amount of line 14 taxable aUneal rate X.O ~ 1,785,692.00 17. Amount of Line 14 taxable at sibling rate X. 12 18. Amount of line 14 taxable at coIateral rate X .15 15. 16. 17. 18. 19. TAX DUE. . . . . . . . . . . . . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT L 15056052059 Side 2 206-36-9893 Decedent's SocIal Security Number 373,000.00 2,032.30 7,093.82 3,108.59 1,461,497.87 1,84&,732.58 57,876.75 3,123.83 61,000.58 1,785,723.00 40.00 1,785,692.00 80,356,14 15056052059 --I REV-1500 EX Page 3 Decedent's Complete Address: FIle Number NAME DECEDENT'S SOCIAL SECURITY NUMBER Margaret K Perry 206-36-9893 SlREET ADDRESS 922 Indiana Ave CITY I STATE I ZIP Lemoyne PA 17043 Tax Payments and Credits: 1. Tax Due (Page 2 Line 19) 2. CreditslPayments A. Spousal Poverty Credit B. Prior Payments C. Discount (1) 80,356.14 75,715.00 3,785.75 Total Credits (A + B + C ) (2) 3. Interest/Penalty if applicable D. Interest E. Penalty 79,500.75 TotallnterestlPenalty ( D + E) 4. If Line 2 is greater than line 1 + Line 3, enter the difference. This is the OVERPAYMENT. FIR In oval on Page 2, Une 20 to request a refund. (3) (4) (5) 856.14 (SA) 16.51 (58) 872.65 5. If Line 1 + Line 3 is greater than line 2, enter the difference. This is the TAX DUE. A. Enter the Interest on the tax due. B. Enter the total of Line 5 + SA. This is the BALANCE DUE. Make Check Payable to: REGISTER OF WILLS, AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a lransfer and: Yes No a. retain the use 01' income of the property lransferred;.......................................................................................... Ii] 0 b. retain the right to designate who shaD use the property transferred 01' its Income; ............................................ [l) 0 c. retain a reversionary interest; 01'.......................................................................................................................... [iJ 0 d. receive the promise for life of either payments, benefits or care? ...................................................................... [i) 0 2. If death occurred after December 12, 1982, did decedent lransfer property within one YeN of death without receiving adequate consideration? .................,............................................................................................ 0 [i] 3. Old decedent own an "in trust for" 01' payable upon death bank account 01' security at his 01' her death? .............. 0 [i] 4. Did decedent own an Individual Retirement Account, annuity, 01' other nan-probate property which contains a beneficiary designation? ........................................................................................................................ 0 Ii] IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLElE SCHEDULE G AND FILE IT AS PART OF THE RETURN. 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 three (3) percenl (72 P.S. ~9116 (a) (1.1) (i)). For dates of death on or after January 1, 1995. the tax rate imposed on the nel value of transfers 10 or for the use of the surviving spouse is zero (0) percent (72 P.S. ~9116 (a) (1.1) (ii)], The slatule does nol exempt a transfer to a surviving spouse from lax, and the slatutory requirements for disclosure of assets and filing a lax retum are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: The lax rate imposed on the nel value of transfers from a deceased child twenty-one years of age or younger al death to or for the use of a natural paren~ an adoptive parent, or a stepparent of the child is zero (0) percent (72 P.S. !9116(a)(1.2)J. The lax rate imposed on the net value of transfers to or for the use of the decedenfs tineal beneficiaries is four and one-half (4.5) percent, except as noted in 72 P.S. ~9116(1.2) (72 P.S. !9116(a)(1)]. The lax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent (72 P.S. S9116(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. R~-1502 EX+ (6-98. COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Margaret K. Perry 2006-00178 All N.I property owned IClIeIy or II . tenant In common mult be reported at fair martet value. Fair market value is defined as the price at which property would be exchanged between a wiling buyer and a wIIng saller, neither being compelled to buy or sal, both having reasonable knowledge of the relevant facts. Rell property which II jolntly-owntd with right of IUrvIvorIhlp mult be dllc:1oHcI on Schedule F. SCHEDULE A REAL ESTATE ITEM NUMBER 1. DESCRIPTION 2 story brick residence located at 922 Indiana Avenue, Lemoyne PA 17043 Furlher identified in Cumbeltand County Recorder of Deeds Book FVoIume 15 Page 125 Tax Parcel 12-21-0267-142 VALUE AT DATE OF DEATH 298,000.00 2. Unimproved lot located on Ohio Avenue. Lemoyne PA 17043 FlI1her identified in Cumberland County Recorder of Deeds Book F Volume 21 Page 905 Tax Parcel 12-21-0267-147 75.000.00 TOTAL (Also enter on line 1, Recapitulation) $ (If more space Is needed, insert addl1lonal sheets of the same size) 373.000.00 REV-1503 EX+ (6-98* COMMONW~THOFPENNSYLVAN~ INHERITANCE TAX RETURN RESIDENT DECEDENT leNIDULI B STOCKS & BONDS ESTATE OF Margaret K. Perry FILE NUMBER 2006-00178 AI JIl'OIIIflJ )oInIIy-oWllld wIIh r1ghl of IUrvIvorIhlp IlIUIt be dllcloud on SchIcIuII F. ITEM NUMBER 1. DESCRIPTION 2,032.3 shares T. Rowe Price Prime Reserve Food TOTAL (Also enter on Une 2, Recapitulation) $ (If more space 18 1181ded, Insert addltlon8l8heeta of the lIlIIIlIlIze) VALUE AT DATE OF DEATH 2,032.30 2,032.30 REV-1508 EX+ (6-98) '* COMMONWEALTH OF PENNSYlVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT leMIDUU I CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY ESTATE OF Margaret K. Perry FILE NUMBER 2006-00178 Include the proceeds of "ligation and the date the proceeds were received by the estate. All pRlpel1y Jolnu,-owntd wItIlltght of survlvorlhlp must be dllcloHcl on ScIItdule F. ITEM NUMBER 1. M & T Bank Checking Account # 68391889 2. Personal & Household effects appraised value DESCRIPTION VALUE AT DATE OF DEATH 3,553.82 3,540.00 TOTAL (Also enter on line 5, Recapitulation) $ (If more space Is needed, Insert additional sheets of the same size) 7,093.82 TOTAL (Also enter on line 6, Recapitulation) (If more space III needed, Insert acIdItIonal sheets of the same size) 3,108.59 REV-1510 EX+ (6-98. COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT leNIDULI G INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY ESTATE OF FILE NUMBER Margaret K, Perry 2006-00178 This sd1edu1e lllII8l be completed and 1IIed II the answerlD any ofquestlons 1 through 4 on the RlY8fS8 .lde of the REV.1500 COVER SHEET is yes. DESCRPTION OF PROPERTY IlEM INClIJDE THE IWIE OF 111! lRANlIFEllEE, THEIR REl.ATIONSHlP TO DECSlENT AND TAXABlE NUMB THE MT! OF TRAN8F!R. ,\mai,\ COI'Y OF 111! DEED FOIl REAl ESlAT!, VALUE 1. The following assets were held in a Revocable Trust Number 1104702509 originaHyentered into between Settlor LesterH. Peny and Trustee Dauphin Deposit Bank and Trust Co., rtr:1N Manufacturers and Traders Trust Co. on February 9. 1971 and amended and res1ated in its entierty by an .Agreement Amending Revocable TrustAgreemenr on December 14.1984 and further amended by an · Agreement ArnenOng. Revocable Trust Agreemenr on December 12, 1985. MTB Money Market Fund #420 88,389.54 100 88,389.54 25000 shares 24,871.50 100 24,871.50 US Treasury Bills 800 shares 59,392.00 100 59,392.00 T Rowe Price Group Inc 2500 shares 110,400.00 100 110,400.00 Allied Irish Banks 6443299 shares 51,224.23 100 51,224.23 American Century Equity Fund 1365.334 shares 26,036.92 100 26,036.92 Bridgeway Ultra Smal Market Fund 940.242 shares 25,095.06 100 25,095.06 Loomis Sayles Small Cap Value Fund 3226.828 shares 33,881.69 100 33,881.69 MTB Equity Index Fund 3756.574 shares 58,151.77 100 58,151.77 MTB Mid Cap Growth Fund 1158.472 shares 51,969.05 100 51,969.05 P'lOl'leer Fund Class A 1211.902 shares 34,999.73 100 34,999.73 T Rowe Price Growth Stock Fund 1138.883 shares 21,285.72 100 21,285.72 T Rowe Price Spectrum Growth Fund 1605.652 shares 72,206.17 100 72,206.17 Thompson Plumb Growth Fund 3509.593 shares 79,843.24 100 79,843.24 Vanguard Value Index Fund 1472.199 shares 76,672.12 100 76,672.12 Harbor Intemational Fund TOTAL (Also enter on line 7 Recapitulation) $ 814,418.74 (If IllDRl space Is needed, Insert addItlonal sheell of the same size) i f t'~ REV-1510 EX+ (6-98. COMMONWEALTH OF PENNSYlVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHIDUU G ~~. INTER-VIVOS TRANSfERS & MISC. NON-PROBATE PROPERTY ESTATE OF FILE NUMBER Margaret K. Perry 2006-00178 This schedule must be compIeIed and 1IIed If 1he answer 10 any of questions 1 through 4 on 1he I8't'8IS8 side of the REV.1500 COVER SHEET Is yes, DESCRFTION OF PROPERTY INCUJOE 1HE IWIf ~ TIE llIAH8FEREE, lHEIR RElATIONSHIP 10 OB:EDEHT AND lItE DATE DI'TRANSFEIl "'TTACH"'COPY~ TIE DEED FOR REAL eSTATE. ITEM NUMB 1. DATE OF DEATH % OF DECO'S EXCLUSION VALUE OF ASSET INTEREST F TAXABLE VALUE 2. 3246.307 shares MTB Income F\Ild 3279,647 shares MTB Intermediate T ann Bond Fund The following assets were held in a Revocable Trust NlITlber 1104702'05 entered into betweenSetllor Margaret K. Peny and Trustee Dauphin Deposit Bank and Trust Co. now Manufacturers and Traders Trust Co. on September 30.,1971 and, amended, ,. and restated in its entirety by an "Agreemen.t . .-', ',- .', . .', . - " -' .. ,'. -," ,..... Amending Revocable Trust Agreement" on December 7, 1984 and further amended by "Amended and Restated Revocable Trust Agreement" dated December 12, 1985 and subsequenUy amended by an "Agreement Amending Amended and Restated Revocable Trust Agreement" dated February 4, 1998. 32,042.15 100 32,042.15 31,489.18 100 31,489.18 Cash 100 35,298.18 1600 shares 100 118,784.00 T Rowe Price Group Ine 5000 shares 100 220,800.00 Allied Irish Banks 3533.842 shares 100 37,105.34 MTB Equity Index Fund 1466.822 shares 100 42,361.82 T Rowe Price Growth Stock Fund 1634.563 shares 100 54,267,49 T Rowe Price New Horizons Fund 1199.905 shares 62,491.05 100 62,491.05 Harbor FlI1d 816 shares 12,439.92 100 12,439.92 Salomon Bros. Fund 647.079,13 TOTAL (Also enter on line 7 Recapitulation) $ (If more space Is needed, insert additional sheets of the same size) " F~ 01 REV-1511 EX+ (12-99:' COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHIDULI H FUNERAL ~ES & ADMINISTRATIVE COSTS FILE NUMBER 2006-00178 ESTATE OF Margaret K. Perry ITEM NUMBER A. B. 1. Debts of decedtnt must be reported on SchlcluIt L DESCRIPTION AMOUNT 1. FUNERAl. exPENseS: Professional Services, Facilities, Autos Casket 'Intennent Fees Death Certificates Refreshments and Facilities Flowers 3,635.00 3.250.00 1,195.00 48.00 760.41 159.00 ADMINISTRATIVE COSTS: P8I'IOI1a1 Representative's Commlaalolll Name ofPel'lOll81 Repreaerttatlve(slJane Perry LeVan SocIal SecurIty Number(s)JEIN Number of PllISOIllIl Representallw(s) 186-28-6208 StnIelAddrell 106 North High Street CItyBiglerville. Stata PA ZIp 17307 Y8Ir(s) ConvnIssIon Paid: to be paid 2,500.00 2. Attorney Fees 5,000.00 3. Family Exemption: (If decedenfs addreIIls not the same as c\almanfs, attach explanlltlon) ClaImant StnIel Address City Srata . ZIp Relallonshlp of Claimant to Decedent 4. Probeta Fees 5. Accountanfs Fees 6. Tax Return Preparer's Fees 7. Newspaper Notices 8 Estate Notices q Short Certificate and Filing Fees \D Real Estate Appraisal ,\ Personal Property Appraisal .-/' 685.00 166.58 212.19 416.00 800.00 120.00 TOTAL (Also enter on line 9, Recapitulation) $ (If more apace is needed, Insert addIIlonaI sheets 01 the same size) 18,947.18 '. leMIDULI . --~. COMMONWEALTH OF PENNSYLVANIA INtERlTANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Margaret K. Perry 2006-00178 RIJIOIt ... Inc:urrwd by ChI dIClIdInt prior to dNItl which I'IIIIIInId UIIpIIcI . of ChI dItIt of dIIth, including utnImburIed RlIdIcaI upInIII. ITEM VALUE AT DATE NU~R DESCRIPTION OF DEATH ,,,, 13. 14. Real Estate Repairs - Duty's Locksmi1h Real Estate Repairs - Central State Distributors (Garage Door Repair) Real Estate Maintenance (to prepare property for sale) . World Paintilg 60.68 298.67 3,300.00 15, Real Estate Maintenance (Radon detection/mitigation to prepare property for sale) - American Radiation Solutions 750.00 16. Utilities 2,047.80 17. Landscaping (to prepare property for sale) - PA Landscape Group 4,235.36 18. Landscaping Maintenance - PA Landscape Group 4,621.76 19. Real Estate Sale Broker Fee for sale of both Indiana Avenue & Ohio Avenue properties 21,545.00 20. Real Estate Net Tax pursuant to settlement 2,070.30 TOTAL (Also enter on line 10, Recapitulation) $ (If IIIllIlI space is needed, Insert additional sheets of the same size) 38,929.57 REV.1512EX+(12-03) '* COMMONWEALTH OF PENNSYlVANIA INHERITANCE TAX REl\JRN RESIDENT DECEDENT SCHEDULE I DEBTS OF DECEDENT, MORTGAGE UABIUTIES, & UENS ESTATE Of FILE NUMBER Margaret K. Perry 2006-00178 Report debIB Inc:umd by the dICIdInt prior to dNth which remained IIIlplIId II of the datil of cInth,lncIudIng unJllmbuned 1lIIdIc:a11XplftMll. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 2 3 Messiah V.lage Home HeaJlhcare CVS Pharmacy 2005 Federallnc:ome Tax 1. 4 2005 PA Income Tax 1,280.00 51.83 0.00 1,792.00 TOTAL (Also enter on line 10, Recapitulation) $ (If more space is needed, Insert additional sheets of the same size) 3,123.83 . Rivo1513 EX+ (9-00) '* COMMONWEAlTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT seNIDULI J BENEFICIARIES ESTATE OF Margaret K. Perry FILE NUMBER 2006-00178 RBATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEMNG PROPERTY Do Not LIlt TIUltle(I) OF ESTATE I TAXABlE DISTRIBUTIONS [Include oulright spousal dls\Jlbu1lons, and transfers under Sec. 9116 (a) (1.2)) Jane Perry leVan 106 North High Street Biglervftle PA 17307 Daughter 50% John L. Perry 12 Walnut Lane Camp HiD PA 17011 Son 50% ENTER OOll.ARAMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON UNES 15 THROUGH 18. AS APPROPRIATE, ON REV-1500 COVER SHEET n NON- TAXABlE DISTRIBUTIONS: A. SPOUSAl. DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS West Shore BlA8u of Are 40.00 TOTAL OF PART 11- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET $ 40.00 (If more space Is needed, insert additional sheets of the same size) L/-/7 -Bq !~ 'I /; ,),/ ' l ,~./7. ,/", ,~)-I I LAST WILL AND TESTAMENT OF MARGARET K. PERRY I, MARGARET K. PERRY, of Lemoyne, Cumberland County, Pennsylvania, do hereby make, publish and declare this as and for my Last will and Testament, hereby revoking any wills and Codicils by me at anytime heretofore made. ITEM I. I order and direct that all my just debts and funeral expenses be paid out of my estate by my Co-Executors hereinafter named as soon as may conveniently be done after my death. ITEM II. If my husband, LESTER H. PERRY, survives me by as many as thirty (30) days, I give and bequeath to him all of my tangible personal property, including furniture, furnishings, jewelry and personal effects and also including any automobile or automobiles, together with the policies of insurance carried thereon. If my husband, LESTER H. PERRY, does not survive me by as many as thirty (30) days, then I give and bequeath all of the aforementioned tangible personal property to my daughter, JANE PERRY LEVAN, and my son, JOHN L. PERRY, who shall divide such tangible personal property between them in such equitable manner as they may agree upon. Any of this tangible personal property which cannot be divided between them by agreement shall be divided between them by lot. ~ If either of my children has predeceased my husband, then I give and bequeath all of the above-mentioned tangible personal property to the one who has survived him. If both of my children have predeceased my husband, then all of the aforesaid tangible personal property shall be treated as part of my residuary estate. ITEM III. If, at the time of my death, I am the sole owner of all or any part of the three lots of land on which my place of residence is presently located and which are described in deeds recorded in the Office of the recorder of Deeds of Cumberland County in Deed Book "F", Vol. 15, Page 125; in Deed Book "N", Vol. 12, Page 129; and Deed Book "F", Vol. 21, Page 905, then I give and devise all of such land and any buildings constructed thereon, to my daughter, JANE PERRY LEVAN, and my son, JOHN L. PERRY, in equal shares, as tenants in common. ITEM IV. I give, devise and bequeath all the rest, residue and remainder of my estate, whether real, personal or mixed, of whatsoever kind and wheresoever situate, to DAUPHIN DEPOSIT BANK AND TRUST COMPANY of Harrisburg, Dauphin County, Pennsylvania, as Trustee under a Revocable Trust Agreement which I entered into with it under date of December 17, 1984, my said residuary estate to be held and administered by such Trustee in accordance with the terms and conditions of that Revocable Trust Agreement, as it may be amended from time to time. -2- ~ / ' ITEM V. If my husband, LESTER H. PERRY, does not survive me, I elect not to exercise the power of appointment granted to me under Article IV of the Revocable Trust Agreement entered into December 14, 1984, between my husband, LESTER H. PERRY, and DAUPHIN DEPOSIT BANK AND TRUST COMPANY and variously amended thereafter. Rather, I prefer that any principal remaining at the time of my death in Trust A established for my benefit under that Agreement, shall be distributed as provided for in that Agreement in the event of a default in the exercise of the power of appointment. ITEM VI. My Executors shall make appropriate arrangements for the payment of all estate, inheritance or transfer taxes (including any interest and penalties thereon) imposed by reason of my death, such payments to be made either out of my testamentary estate or out of assets comprising Trust "A" provided for under my aforesaid Revocable Trust Agreement, in such manner as may be considered to be most advantageous to the Trust Estate; it being my wish, however, that any bequests under ITEM II of this Will shall be free of any such taxes. Any estate, inheritance or transfer taxes on future interests may be paid at such times as my Executors and the Trustee under my aforesaid Revocable Trust Agreement deem advisable. ITEM VII. I hereby nominate, constitute and appoint my daughter, JANE PERRY LEVAN, and my son, JOHN L. PERRY, as Co- Executors of this my Last Will and Testament. If either of them -3- should prove unable or unwilling to act as a Co-Executor hereunder, the other is hereby authorized to act alone as Executor in administering my estate. ITEM VIII. I expressly authorize and empower my Executors in their absolute discretion: (a) To invest and reinvest all or any part of my estate in such stocks, bonds, securities or other property, real or personal, as may be deemed proper, without being confined to the investments prescribed by statute as legal investments for fiduciaries. (b) To sell real and personal property at public or private sale, both for purposes of administration and distribution, for such prices and upon such terms as to cash and credit as may be deemed proper, without liability on the purchasers to see to the application of the purchase money. (c) To lease real property and to mortgage, develop, repair, improve, exchange or join in the partition of real property. (d) To exercise any subscription, purchase or conversion right in connection with any security held hereunder and to consent to or participate in any reorganization, consolidation, or merger in any corporation, company or association, the securities of which may be held hereunder. -4- (e) To compromise any claim, by or against my estate without the consent of any beneficiary. (f) To carry investments in the name of a nominee or nominees. (g) To borrow money from any lender, and to pledge any assets of my estate as security therefor. (h) To make any distribution hereunder, either in kind or in money, or partially in kind and partially in money. (i) Vote in person or by proxy, any securities held in my estate. (j) Keep reasonable amounts of cash in bank uninvested. (k) To do all other acts necessary or desirable for the proper management, investment or distribution of my estate. ITEM IX. If I and my husband should die simultaneously or under circumstances which would make it difficult to determine who died first, it is directed that my husband shall be deemed to have survived me for the purpose of this Will and the Trust herein provided. ITEM X. No interest of any beneficiary under this Will or any Codicil hereto shall be subject to anticipation or to voluntary or involuntary alienation. -5- IN WITNESS WHEREOF, I, MARGARET K. PERRY, Testatrix, have to this Last Will and Testament, written on six (6) sheets of paper, set my hand and seal this J 1 'i.\\ day of April, 1989. Signed, sealed, published and declared by the above- named, Margaret K. Perry, as and for her Last will and Testament, in the presence of us who have hereunto subscribed our names at her request as witnesses thereto, in the presence of the said Testatrix and of each other. 1jn/m 6- ~ ~ 1&>>1 A-t.. J f _:i.~ ) jji i Ai; ( - -, Il, _I ), ,,(/ ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) )n , /;~ mt-r(z--,d'- K {I t/l.rLl '-. -6- ACKNOWLEDGEMENT COMMONWEALTH OF PENNSYLVANIA o COUNTY OF '0--J. ""i...l... ~~-"'.~ . . . . SSe . . I, MARGARET K. PERRY, the Testatrix whose name is signed to the foregoing Last will and Testament, having been duly qualified according to law, do hereby acknowledge that I signed and executed that instrument as my Last Will and Testament; that I signed it willingly and as my free and voluntary act and for the purposes therein expressed. Jn~Y:?r!~,",- GARET K. PERRY U Sworn to and acknowledged before me by Margaret K. Perry, the Testatrix, this 11 ~\"\ day of April, 1989. s:J~"'-NO~ARY p~~~'V-J'~", My Commission Expires: NOTARIAL SEAl DIANNE LEXI&. IIOf^RY PUBLI C LOOM 80110. ClJ48ERlAND CO. If{ COI4ISSIOH EXPIRES DEC. 21. 19a9 -7- .'f'.:<' AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA COUNTY OF \.N,., ....-J.A,..!.--~_~ . . 55. . . We, ~y.,--'~ .~ and }(~ K, y-..,~../\..J ....) the witnesses whose names are signed to the foregoing will as witnesses, being duly qualified according to law, do depose and say that we were present and saw the Testatrix, Margaret K. Perry, sign and execute the will as her Last will and Testament; that she signed willingly and that she executed it as her free and voluntary act for the purposes therein expressed; that each of us in the hearing and sight of the Testatrix signed the Will as a witness; and that, to the best of our knowledge, the Testatrix was at that time of sound mind, and under no constraint or undue influence. ~b- ~_M~ --Jf dOni... ':iI. n~J}, ^) Sworn or affirmed to and subscribed to before me by V\ ~v-v-- Cs' ~""''Y'~ and '\.r~ I" Vy-~ this \ l ~ day of April, 1989. " . ".. ~.............--- ~"'"'^""- ' NOTARY PUBLIC ' \S' II a_ IIOTARIAL SEAl laG --~ LEIIS, IIOrARY PUIlIC If'( YNE 1OllO. Cl.l.nwo co ~ COIlISSIClfl EXPIRES He. 21, lUll My Commission Expires: -8- AGREEMENT AMENDING AMENDED AND RESTATED REVOCABLE TRUST AGREEMENT AGREEMENT MADE THIS ~~ day of January, 2006 between MARGARET K. PERRY of Lemoyne, Cumberland County, Pennsylvania, (hereinafter called the "Settlor'') and MANUFACTURERS AND TRADERS TRUST COMPANY, successor by merger to Allfirst Trust Company of Pennsylvania, N.A., formerly known as Allfirst Bank, formerly known as FMB Bank, Successor by merger to Dauphin Deposit Bank and Trust Company of Harrisburg, Dauphin County, Pennsylvania (hereinafter called the "Trustee"). WHEREAS, Settlor has established a Revocable Trust by a "Revocable Trust Agreement" dated September 30, 1971, entered into with the Trustee; and WHEREAS, the Settlor amended the Revocable Trust Agree- ment by an "Agreement Amending Revocable Trust Agreement" entered into between Settlor and Trustee on December 7, 1984 which agreement amended and restated the Trust in it's entirety; and WHEREAS, the Settlor subsequently amended this "Amended and Restated Revocable Trust Agreement" by an Agreement Amending Revocable Trust Agreement dated December 12, 1985; and WHEREAS, the Settlor further amended the "Agreement Amending Revocable Trust Agreement" by Agreement Amending Amended and Restated Revocable Trust Agreement, dated February 4, 1998; and WHEREAS, the right to amend further this Amended and Restated Revocable Trust Agreement is reserved to the Settlor by Article XIV thereof: NOW THEREFORE, it is mutually agreed between the Settlor and the Trustee as follows: 1. The Revocable Trust Agreement dated September 30, 1971, which has been variously amended as aforesaid, is restated in its entirety, so as to read as follows, effectively immediately: " :t:Jc.. THIS REVOCABLE TRUST AGREEMENT, made this !f!!!:. day of January, 2006, between MARGARET K. PERRY of Lemoyne, Cumberland County, Pennsylvania (hereinafter called the "Settlor"), and MANUFACTURERS AND TRADERS TRUST COMPANY, successor by merger to Allfirst Trust Company of Pennsylvania, N.A., formerly known as Allfirst Bank, formerly known as FMB Bank, Successor by merger to Dauphin Deposit Bank and Trust Company of Harrisburg, Dauphin County, Pennsylvania (hereinafter called the "Trustee") ; 1 WITNESSETH That Settlor and Trustee, intending to be legally bound, hereby agree as follows: I. TRUST PROPERTY. For good and valuable considerations, the Settlor hereby transfers and delivers to the Trustee the securities and other property presently held in Trust Account Number 104702705, to have and to hold the same, together with any cash, securities or other assets which the Trustee may, pursuant to any of the provisions of this Trust Agreement, at any time hereafter hold or acquire, all of such property being hereinafter referred to collectively as the "Trust Estate", which Trust Estate the Trustee shall hold, manage, invest and reinvest and shall collect the income therefrom and shall dispose of the net income and principal as hereinafter set forth. II. DURING SETTLOR'S LIFETIME. During the lifetime of the Settlor, Trustee shall pay to the Settlor all of the net income from the Trust Estate, in monthly or other convenient installments and as much of the principal as the Settlor may request. If, in the opinion of the Trustee, the Settlor at any time should be incompetent, or for any other reason be unable to act in her own behalf, Trustee may, in its absolute discretion, pay to or apply for the benefit of Settlor, in addition to the income payments to be made to her, such amounts from the principal of the Trust Estate (up to the whole thereof) as the Trustee determines, in its absolute discretion, to be appropriate for the Settlor's care, maintenance and support. III. UPON THE DEATH OF SETTLOR. Upon the death of Settlor, the remaining principal and any undistributed income of the Trust Estate shall then be divided into two equal parts and shall be paid over absolutely to Settlor's daughter, JANE PERRY LEVAN and Settlor's son, JOHN L. PERRY. Should Settlor's daughter or son predecease Settlor, then his or her share shall be paid to their spouses or, if they leave no living spouse, to their children and/or stepchildren in equal shares. 2 IV. TERMINATION OF CERTAIN TRUSTS BY TRUSTEE. If, in the absolute discretion of the Trustee, any Trust provided for hereunder is or becomes too small to warrant the continuation of such Trust, or the administration of the Trust becomes impractical for any other reason, the Trustee may pay the principal and any undistributed income of such Trust to or for the benefit of the beneficiary of that Trust. V. TRUSTEE'S POWERS DURING SETTLOR'S LIFETIME. In the administration of the Trust Estate, the Trustee shall have the following powers during the lifetime of the Settlor: (a) The Trustee shall retain as an investment, unless and until the Settlor by a writing delivered to the Trustee shall otherwise direct, all of the securities and other property originally assigned, transferred, or delivered to the Trustee hereunder or at any time forming a part of the Trust Estate, whether or not such securities or other property be of the character authorized by the laws of the Commonwealth of Pennsylvania for the investment of trust funds. (b) The Trustee shall purchase, sell, lease or alter any investment held under this Trust Agreement, only in accordance with written directions received by it from the Settlor, whether or not the Investment shall be the character authorized by the laws of the Commonwealth of Pennsylvania for investment of trust funds. Without intending in any way to limit the powers conferred upon the Trustee by this Section, the Trustee is specifically authorized and empowered to retain as investments of the Trust Estate, or, upon receiving a direction in writing from the Settlor so to do, to invest the whole or any part of the Trust Estate in common or preferred stocks, or both, of anyone or more corporations, or in any non-income producing securities or other property, or in any so-called wasting investments. (c) Provided that it shall have attempted in good faith to comply with the written directions received by it from the Settlor, the Trustee shall not be responsible or liable in any way for any action taken with respect to any investment of the Trust Estate, or for any loss or depreciation resulting from the purchase, retention, sale, exchange, lease or alteration of any investment, or from any want of diversification of the investment of the Trust Estate, and shall have no 3 duty to advise anyone with respect to the desirability of any such action. The Trustee shall be entitled to assume that the Settlor remains alive until it shall have received notice in writing of Settlor's death. (d) If, at any time during the Settlor's lifetime, the Settlor shall deliver to the Trustee a notice in writing signed by the Settlor stating in substance that Settlor relinquishes the powers reserved by her in the foregoing Subsections (a) and (b), or, if at any time during the Settlor's lifetime Settlor should be declared legally incompetent for any reason, then the aforesaid powers reserved to the Settlor will cease and terminate and, from and after the delivery of such notice or from and after such declaration of such incompetency, the Trustee shall have those powers with respect to the Trust Estate given to it under Section VI hereof. VI. TRUSTEE'S POWERS AFTER SETTLOR'S DEATH. In the administration of the Trust Estate and any Trust provided for hereunder, the Trustee shall have the following powers during the lifetime of the Settlor, to the extent not inconsistent with the provisions of Section V hereof, and shall have the following powers without restriction, either after the delivery of the notice referred to in Subsection (d) of Section V hereof, or after the declaration of incompetency referred to in that Subsection, or after the death of the Settlor: (a) To retain, whether originally a part of the Trust Estate or subsequently acquired, and to purchase or otherwise acquire and to retain any property, all without diversification as to kind and amount. (b) To transfer, sell, exchange, partition, lease, mortgage, pledge, give options upon, or otherwise dispose of any property at any time held by it, at public or private sale or otherwise, for cash or other consideration or on credit, and upon such terms and conditions, with or without security, and for such price, as it may determine. (c) To determine how all dividends or distributions made with respect to the ownership of shares in Mutual Funds or other similar organizations shall be credited, charged or apportioned between principal or income, without regard to the general rules of law with respect thereto. 4 (d) To extend, modify, or waive the terms of any bond and mortgage at any time forming part of any Trust; to foreclose any such mortgage or take title to the property securing it be deed in lieu of foreclosure or otherwise; to protect or redeem any such property from forfeiture for nonpayment of taxes or other liens; and generally to exercise as to such bond and mortgage or such property all powers that an absolute owner might exercise. (e) To exercise any option, right or privilege to convert bonds, notes, stocks, or other securities, or to subscribe for additional or other bonds, notes, stocks, or other securities; to make such conversions or subscriptions; to make payments thereof, and to advance or borrow money for the purpose of exercising any such option, right, or privilege; and to hold as investments such bonds, notes, stocks, and other securities so acquired, notwithstanding that they are not of a character authorized for investments by law or by other provisions of this Trust Agreement. (f) To vote any corporate stock held by it through its designees, or by proxy, with or without power of substitution, and to execute authority or proxies to one or more designees or nominees. (g) To borrow money from the Trustee's banking department or from any other lender for any Trust purpose and to pledge all or part of the Trust to secure such borrowing, without incurring any personal liability therefor. (h) To pay, extend, renew, modify, or compromise, upon such terms as it may determine, and upon such evidence as it may deem sufficient, any obligation or claim, including taxes, either in favor of Or against any Trust. (i) To hold or register any securities or other property of any Trust in the names of a nominee or in such form as to pass by delivery, with or without indicating the fiduciary character of such securities or other property. (j) To hold any separate parts or shares of any Trust wholly or partly in undivided form for convenience of investment and administration. (k) Consistent with the desires of the beneficiary or beneficiaries, to divide and distribute any Trust in kind or in money, 5 or partly in each, or by way of undivided interests, and for such purposes to value any property to be thus divided or distributed at fair market value at the date or dates of distribution. VII. ADDITIONAL PROPERTY. The Settlor reserves the right for herself, or any other person, to increase the Trust Estate by transferring or delivering assets to the Trustee, or by having the proceeds of insurance policies made payable to the Trustee, or by bequest or devise by Will. The Settlor will notify the Trustee in writing of any policies so made payable to it, or deliver such policies to the Trustee as custodian thereof. The duties and liabilities of the Trustee hereunder shall under no circumstances be subsequently increased, except with its written consent. VIII. MERGER OR CONSOLIDATION AFFECTING TRUSTEE. If the Trustee shall merge with or be consolidated with another corporation, said other corporation shall succeed to all the duties and all the powers, including discretionary powers herein granted to such Trustee. IX. ACCOUNTING BY TRUSTEE. The Trustee shall keep all the accounts and records of any Trusts created hereunder and quarterly, or more often, shall render to the Settlor during her lifetime statements showing all receipts, disbursements, and investment transactions. After the death of Settlor, the Trustee shall render, at least quarterly, to each beneficiary then entitled to income under the terms of any Trust created hereunder, a statement showing in detail receipts, disbursements, and distributions of both principal and income of the Trust involved. X. COMPENSATION OF TRUSTEE. The compensation of the Trustee for services performed hereunder shall be as agreed upon from time to time by the Settlor and the Trustee, and pursuant to published fee schedules as are then in effect. 6 . . XI. SPENDTHRIFT CLAUSE. No interest of any beneficiary under any Trust created hereunder, either in income or in principal, shall be subject to pledge, assignment, sale or transfer in any manner, nor shall any beneficiary have the power in any manner to anticipate, charge, or encumber his or her interest, either in income or principal, nor shall such interest of any beneficiary be liable or subject in any manner for the debts, contracts, liabilities, engagements or torts of such beneficiary. XII. TAX PROVISIONS. The Trust Estate shall not be charged with the payment of any Federal Estate Taxes, or any Inheritance Taxes, upon the Settlor's death, except to the extent that the assets in the Settlor's testamentary estate shall be insufficient to discharge such taxes. The Trustee may rely conclusively upon written advice from the Executor of the Settlor's testamentary estate, or upon any other evidence, as to the existence of such insufficiency and the amount thereof. XIII. SITUS. This Revocable Trust Agreement shall be construed in all respects according to the laws of the Commonwealth of Pennsylvania. The situs of any assets held in Trust hereunder shall be deemed to be in Cumberland County, Pennsylvania. XIV. AMENDMENT AND REVOCATION. The Settlor reserves the right at any time, and from time to time, by instrument in writing, signed and delivered to the Trustee, during her lifetime, to modify, amend or revoke, in whole or in part, this Revocable Trust Agreement or any of the Trusts hereby created. To the extent thus revoked, the Trustee shall deliver the principal of the Trust or Trusts involved to the Settlor upon receiving a property receipt, and shall execute and deliver any instruments required to release all interests of the Trustee in such property. No modification shall diminish the compensation of the Trustee or increase its obligation without its consent in writing. 7 .. . . . IN WITNESS WHEREOF, the Settlor has set her hand and seal and the Trustee, in acceptance of this Amended and Restated Revocable Trust Agreement, has caused these presents to be executed and attested by its proper officers and its corporate seal affixed, the day and year first above written. WITNESSES: ~ Chvn,d;;~ 'h{ F '3Cl\~cf ATTEST: -Tf7fV'-r 1'\- ~tl-EAL) Margaret . Perry .":- Settlor MANUFACTURERS AND TRADERS TRUST COMPANY dv..e J17tU(~ Secreta ry (Corporate Seal) Vice, .President and Trust OHicer BY:~ "~~ rustee 8 .., I . .\i< , ...,. 0, " AGREEMENT AMENDING "REVOCABLE TRUST AGREEMENT" AGREEMENT MADE This I~~L day of December, 1985, be- tween LESTER H. PERRY of Lemoyne, Cumberland County, Pennsylvania, (hereinafter called the "Settlor") and DAUPHIN DEPOSIT BANK AND TRUST COMPANY of Harrisburg, Dauphin County, Pennsylvania, (hereinafter called the "Trustee"); WHEREAS, the Settlor now finds it desirable to amend further the "Revocable Trust Agreement" originally entered into between Settlor and Trustee on February 9, 1971, and later amended and restated in its entirety by an "Agreement Amending Revocable Trust Agreement" el1tered into between Settlor and Trustee on December 14, 1984; and WHEREAS, the right to amend further this "Amended and Restated Revocable Trust Agreement" is reserved to the Settlor by Article ~~I thereof; NOW, THEREFORE, it is mutually agreed between the Settlor and Trustee as follows: 1. Article IV, Para~raph 5; Article VI, Section (bi, Paragraph 1; Article VI, Section (d), Paragraphs 5, 6 and 7; Article VII, Section (b), Paragraph 1; and Article VII, Section (d), Paragraphs 5, 6 and 7 shall be amended so as to read as follows: " ,. . , , ~. ARTICLE IV, Paragraph 5: In default of such appointment by Settlor's wife, the principal of Trust "A" remaining at the time of her death shall be distributed and paid over to DAUPHIN DEPOSIT BANK AND TRUST COMPANY, as Trustee under the Amended and Restated Revo- cable Trust Agreement which she entered into with it under date of December 14, 1984, said principal remaining in Trust "A" to be held and administered by the Trustee in accordance with the terms and conditions of that Revocable Trust Agreement, as it may be amended from time to time. ARTICLE VI, Section (b), Paragraph 1: (b) During the lifetime of Settlor's daughter, JANE, the Trustee shall, during any calendar year beginning with the first calendar year following the year of Settlor's death, pay to her from the principal of this Trust such amounts as she may request in writing, but not exceeding Twenty Thousand ($20,000) Dollars or twenty (20%) percent of the current market value of the assets of this Trust as of the beginning of the calendar year involved, whichever amount is greater. ARTICLE VI, Section (d), Paragraphs 5, 6 and 7: One-third (1/3) of the then remaining principal shall be paid over, absolutely, to the beneficiary involved at the end of five (5) years after the initial distribution from the separate Trust; -2- , I" , ~t' , , One-half (1/2) of the then remaining principal shall be paid over, absolutely, to the beneficiary involved at the end of ten (10) years after the initial distribution from the separate Trust; All of the then remaining principal and any undistri- buted income shall be paid over, absolutely, to the beneficiary involved at the end of fifteen (15) years after the initial distribution from the separate, Trust. ARTICLE VII, Section (b), Paragraph 1: (b) During the lifetime of Settlor's son, JOHN, the Trustee shall, during any calendar year beginning with the second calendar year after the year of Settlor's death, pay to him from the principal of this Trust such amounts as he may request in writing, but not to exceed Twenty Thousand ($20,000) Dollars, or twenty (20%) percent of the current market value of the assets of this Trust as of the beginning of the calendar year involved, whichever amount is greater. ARTICLE VII, Section (d), paragraphs 5, 6 and 7: One-third (1/3) of the then remaining principal shall be paid over, absolutely, to the beneficiary involved at the end of five (5) years after the initial distribution from the separate Trust; One-half (1/2) of the then remaining principal shall be paid over, absolutely, to the beneficiary involved at the end of ten (10) years after the initial distribution from the separate Trust; -3- , ,. .. ,~. . -* 1I 'j All of the then remaining principal and any undistri- buted income shall be paid over, absolutely, to the beneficiary involved at the end of fifteen (IS) years after the initial distribution from the separate Trust. 2. The foregoing amendments to the "Amended and Restated Revocable Trust Agreement" shall become effective immediately upon the execution hereof. IN WITNESS WHEREOF, the Settlor has set his hand and seal and the Trustee, in acceptance of these amendments to the "Amended and Restated Revocable Trust Agreement", has caused these presents to be execut~d and attested by its proper officers and its corporate seal affixed, the day and year first above written. WITNESSES: ~( c.. /11 ikC'~ (j I~'~( u,:, /:~t:-:), 0,") /{ 2v Perry (SEAL) Settlor ATTESV / I /\ retary DAUPHIN DEPOSIT BANK AND TRUST COMPANY By '?tN-a {Uti, fl ( I . 1 L',. ( . Trustee ':Corporate Seal) -4- r....: .' ~'. t~ ._'1 , 'I . . J-" I ' AGREEMENT AMENDING "REVOCABLE TRUST AGREEMENT" AGREEMENT MADE This /~tiaay of December, 1984, between LESTER H. PERRY of Lemoyne, Cumberland County, Pennsylvania, (hereinafter called the "Settlor") and DAUPHIN DEPOSIT BANK AND TRUST COMPANY of Harrisburg, Dauphin County, Pennsylvania, (herein- after called the "Trustee"); WHEREAS, Settlor has established a Revocable Trust by a "Revocable Trust Agreement" dated February 9, 1971, entered into with the Trustee; and WHEREAS, the Settlor subsequently amended the Revocable Trust Agreement by Amendatory Agreements dated December 16, 1974, October 31, 1978 and April 9, 1981; and WHEREAS, Settlor now finds it desirable to further amend that Revocable Trust Agreement and desired amendments are acceptable to the Trustee; and WHEREAS, the right to amend this "Revocable Trust Agree- ment" is reserved to the Settlor by ARTICLE XIII thereof; NOW, THEREFORE, it is mutually agreed between the Settlor and the Trustee as follows: 1. The Revocable Trust Agreement dated February 9; 1971, which has been variously amended as aforesaid, is restated in its entirety, so as to read as follows, effective immediately: '-. . . .. ..., , . , , - THIS REVOCABLE TRUST AGREEMENT, made this day of December, 1984, between LESTER H. PERRY of Lemoyne, Cumberland County, Pennsylvania (hereinafter called the "Settlor"), and DAUPHIN DEPOSIT BANK AND TRUST COMPANY of Harrisburg, Dauphin County, Pennsylvania (hereinafter called the "Trustee")' WIT N E SSE T H : That Settlor and Trustee, intending to be legally bound, hereby agree as follows: I. TRUST PROPERTY. For good and valuable considerations, the Settlor hereby transfers and delivers to the Trustee the securities and other property listed in the Schedule or Schedules attached hereto, to have and to hold the same, together with any cash, securities or other assets which the Trustee may, pursuant to any of the pro- visions of this Trust Agreement, at any time hereafter hold or acquire, all of such property being hereinafter referred to collectively as the "Trust Estate", which Trust Estate the Trustee shall hold, manage, invest and reinvest and shall collect the income therefrom and shall dispose of the net income and principal as hereinafter set forth. II. DURING SETTLOR'S LIFETIME. During the lifetime of the Settlor, Trustee shall pay to the Settlor all of the net income from the Trust Estate, in monthly or other convenient installments. If, in the opinion of the Trustee, the Settlor at any time should become incompetent, -2- L . . ". ~ .' , . I ,j , or for any other reason be unable to act in his own behalf, Trustee may, in its absolute discretion, pay to or apply for the benefit of Settlor, in addition to the income payments to be made to him, such amounts from the principal of the Trust Estate (up to the whole thereof) as the Trustee determines, in its absolute discretion, to be appropriate for the Settlor's care, maintenance and support. III. UPON DEATH OF SETTLOR WITH WIFE SURVIVING. Upon the death of the Settlor, if he is survived by his wife, MARGARET K. PERRY, the Trustee shall divide the Trust Estate (which shall include any property which may be added to it under the Settlor's Last Will and Testament) into two separate shares, hereinafter referred to as Trust "A" (the marital deduction share) and Trust "B" (the non-marital deduction share), each to be ascertained as follows: Trust "B" shall consist of assets from the Trust Estate having the following total values as of the date of Settlor's death: Year of Death Value 1983 1984 1985 1986 1987 and thereafter $275,000. 325,000. 400,000. 500,000. 600,000. Trust "A" shall consist of the balance of the assets then comprising the Trust Estate. -3- '- . '. .' . . I Ii ; IV. TRUST "A" ESTABLISHED AT SETTLOR'S DEATH. After setting aside the assets that are to comprise Trust itA", Trustee shall hold and administer Trust "A", in trust, and shall pay the net income therefrom to Settlor's wife, in monthly or other convenient installments during the term of her life. If, in the' opinion of the Trustee, Settlor's wife should at any time become incompetent, or for any other reason should be unable to act in her own behalf, Trustee may, in its absolute discretion, pay to or apply for the benefit of Settlor's wife such amounts from the principal of Trust "AIt (up to the whole thereof) as the Trustee determines to be appropriate for her care, maintenance and support. In addition, the Trustee shall pay to Settlor's wife, from time to time, from the principal of Trust itA", such amounts as she shall request in writing, up to a total amount of Twenty Thousand ($20,000) Dollars during any calendar year, beginning with the calendar year succeeding the calendar year in which Settlor dies. Upon the death of Settlor's wife, Settlor's Trustee shall pay over and distribute any principal of Trust itA It then remaining, in such amounts or shares and upon such conditions, in trust or otherwise, as Settlor's wife shall have appointed by her Will, executed on or after the date of this Agreement, to -4- ... , , . . . her estate or to or for the benefit of one or more of that group of persons, which includes every person who is an issue of Settlor, the spouse of an issue of Settlor or the surviving spouse of an issue of Settlor, or any organization, the gifts to which are deductible for the purpose of determining Federal Estates taxes. No purported exercise of this power of appointment shall be valid unless it includes specific reference to this instrument. In default of such appointment by Settlor's wife, the principal of Trust "A" remaining at the time of Settlor's death shall be distributed and paid over to DAUPHIN DEPOSIT BANK AND TRUST COMPAJJY, as Trustee under the Amended and Restated Revocable Trust Agreement which Settlor entered into with it under date of December , 1984, said principal remaining in Trust "A" to be held and administered by the Trustee in accordance with the terms and conditions of that Revocable Trust Agreement, as it may be amended from time to time. v. TROST "B" ESTABLISHED OPON SETTLOR'S DEATH. After setting aside the assets that are to comprise Trust "B", the Trustee shall hold and administer Trust "B", in trust, and shall pay to Settlor's wife, MARGARET K. PERRY, during her lifetime, in monthly or other convenient installments, so much of the income of Trust "B" and, if the income is not suffi- cient, so much of the principal of Trust "B", after considering all other financial resources of Settlor's wife, (especially those available to her under Trust "A") as it may, in its absolute -5- , " " .' : . " " discretion, determine to be appropriate for her care, maintenance or support. In addition, the Trustee shall, during any calendar year, beginning with the calendar year following the year of Settlor's death, pay to her from the principal of Trust "B", such amounts as she may req~est in writing, but not to exceed Five Thousand ($5,000) Dollars or five (5%) percent of the current . . market value of the assets of Trust "B" as of the beginning of the calendar year involved, whichever is greater. Upon the death of Settlor's wife, the remaining prin- cipal and any undistributed income of Trust "B" shall be divided into two equal parts, one of which (hereinafter referred to as the "Trust for Jane") shall be held for the benefit of Settlor's daughter, JANE PERRY LEVAN, and administered and distributed as set forth in Section VI hereof, and one of which (hereinafter referred to as the "Trust fo~ John") shall be held for the benefit of Settlor's son, JOHN L. PERRY, and administered and distributed as set forth in Section VII hereof. VI. TRUST FOR JANE. (a) During the lifetime of Settlor's daughter, JANE, the Trustee shall pay to her in quarterly or other convenient installments all of the income from this Trust. Any capital gains distributions made with respect to shares of Mutual Funds held in this Trust shall not be considered as income for the purposes of this Trust. -6- . . . <' , ' , . I (b) During the lifetime of Settlor's daughter, JANE, the Trustee shall, during any calendar year beginning with the first calendar year following the year of Settlor's death, pay to her from the principal of this Trust such amounts as she may request in writing, but not exceeding Five Thousand ($5,000) Dollars or five (5%) percent of the current market value of the assets of this Trust as of the'beginning of the calendar year involved, whichever amount is greater. In addition, the Trustee shall have the power, in its absolute discretion, to pay to Settlor's daughter, or to apply for her benefit, such amount from the principal of this Trust as it may, from time to time, deem necessary or~visable to enable her to maintain a standard of living substantially equal to that which she is enjoying at the time of Settlor's death. (c) Upon the death of Settlor's daughter, JANE, or upon Settlor's death if Jane should not survive him, the principal and any undistributed income of this Trust for Jane shall be divided among her than living issue, per stirpes, but shall be retained in trust so that the share allocated to each such then living issue shall be held in a separate Trust for that issue. If there be no such living issue of Settlor's daughter, JANE, then the principal and any undistributed income of this Trust for Jane shall be divided among Settlor's then living issue, per stirpes, but shall be retained in trust so that the share allocated to each such then living issue will be held in a separate Trust for that issue. -6-A cf 11. t? - Du.. I 7, / q g 1- . " ; " . ~ . (d) The income from each such separate Trust shall be paid in quarterly or other convenient installments to or for the benefit of the beneficiary involved. My Trustee, in its absolute discretion, may pay, apply or use so much of the principal of each such separate Trust as it may deem advisable for the reasonable support, maintenance or welfare of the person for whom the separate Trust is established. The Trustee shall make distributions from each such separate Trust as follows: One-fourth (1/4) of the principal shall immediately be paid over, absolutely, to the beneficiary involved, provided that he or she is at least twenty-one (21) years of age at the time the separate Trust is established; if not, upon his or her attain- ment of the age of twenty-one (21) years; One-third (1/3) of the then remaining principal shall be paid over, absolutely, to the beneficiary involved at the end of five (5) years after the establishment of the separate Trust; One-half (1/2) of the then remaining principal shall be paid over, absolutely, to the beneficiary involved at the end of ten (10) years after the establishment of the separate Trust; All of the then remaining principal and any undistributed income shall be paid over, absolutely, to the beneficiary involved at the end of fifteen (lS) years after the establishment of the separate Trust. -7- " , . . ~ - (e) If any beneficiary of any separate Trust under this Section should die during the continuation of the Trust provided for hereunder, the principal and any undistributed income of that separate Trust shall be paid over, absolutely, to the deceased beneficiary's then living issue, per stirpes, and if there be no living issue of such deceased beneficiary then surviving, then to Settlor's then living issue, per stirpes. (f) If it should develop after the establishment of a Trust or Trusts under this Section VI that there are no longer any issue of the Settlor surviving, then the entire remaining principal of any such Trust or Trusts and any undistributed income shall be distributed, share and share alike among the following: Blanche Knowlson Gensler, my sister-in-law, if the surviving; Charles A. Perry, my brother, if then surviving; Elizabeth Perry Phillips, my sister, if then surviving; Wilma Knowlson Swanson, my sister-in-law, if thmsurviving; Trinity Lutheran Church of Lemoyne, Pennsylvania; and the Unitarian Church of Harrisburg, Pennsylvania. Any amounts received hereunder by either of the afore- mentioned two churches shall be used to the extent reasonably feasible, to provide for facilities for the elderly members of their respective congregations which will assist them in attending or participating in worship, educational or social activities of the Church, which are not readily available to such members from the members of their own families, from friends, from social service -8- ~ \ - ~ organizations or from governmental agencies. ITEM VII. TRUST FOR JOHN. (a) During the lifetime of Settlor's son, JOHN, the Trustees shall pay to him in quarterly or other convenient installments all the income from this Trust. Any capital gains distributions made with respect to the shares of Mutual Funds held in this Trust shall not be considered as income for the purposes of this Trust. (b) During the lifetime of Settlor's son, JOHN, the Trustee shall, during any calendar year beginning with the first calendar year after the year of Settlor's death, pay to him from the principal of this Trust such amounts as he may request in writing, but not to exceed Twenty Thousand ($20,000) Dollars, or twenty (20%) percent of the current market value of the assets of this Trust as of the beginning of the calendar year involved, whichever amount is greater. In addition, the Trustee shall have the power, in its absolute discretion, to pay to Settlor's son, or to apply for his benefit, such amount from the principal of this Trust as it may, from time to time, deem necessary or advisable to enable him to maintain a standard of living substantially equal to that which he is enjoying at the time of Settlor's death. (c) Upon the death of Settlor's son, JOHN, or upon Settlor's death, if John should not survive Settlor, the principal and any undistributed income of this Trust for John shall be -9- .' . . \ . divided among his then living issue, per stirpes, but shall be retained in trust so t~at the share allocated to each such then living issue sahlI be held in a separate Trust for that issue. If there be no such living issue of Settlor's son, John, then the principal and any undistributed income of this Trust for John shall be divided among Settlor's then living issue, per stirpes, but shall be retained in trust so that the share allocated to each such then living issue will be held in a separate Trust for that issue. (d) The income from each such separate Trust shall be paid in quarterly or other convenient installments to or for the benefit of the beneficiary involved. My Trustee, in its absolute discretion, may pay, or apply or use so much of the principal of each such separate Trust as it may deem advisable for the reasonable support, maintenance or welfare of the person for whom the separate Trust is established. The Trustee shall make distributions from each such separate Trust as follows: One-fourth (1/4) of the principal shall immediately be paid over, absolutely, to the beneficiary involved, provided that he or she is at least twenty-one (21) years of age at the time the separate Trust is established; if not, upon his or her attainment of the age of twenty-one (21) years; One-third (1/3) of the then remaining principal shall be paid over, absolutely, to the beneficiary involved at the end -10- " t J " . . . of five (5) years after the establishment of the separate Trust; One-half (1/2) of the then remaining principal shall be paid over, absolutely, to the beneficiary involved at the end of ten (10) years after the establishment of the separate Trust; All of the then remaining principal and any undistributed income shall be paid over, absolutely, to the beneficiary involved at the end of fifteen (15) years after the establishment of the separate Trust. (e) If any beneficiary of any separate Trust under this Section should die during the continuation of the Trust provided for hereunder, the principal and any undistributed income of that separate Trust shall be paid over, absolutely, to the deceased beneficiary's then living issue, per stirpes, and if there be no living issue of such deceased beneficiary then surviving, then to my then living issue, per stirpes. (f) If it should develop, after the establishment of a Trust or Trusts under this Section VII, that there are no longer any issue of the Settlor surviving, then the entire remaining principal of any such Trust or Trusts and any undistributed income shall be distributed, share and share alike, among the following: Blanche Knowlson Gensler, my sister-in-law if then surviving; Charles A. Perry, my brother, if then surviving; Elizabeth Perry Phillips, my sister, if the surviving; Wilma Knowlson Swanson, my sister-in-law, if then surviving; Trinity Lutheran Church of Lemoyne, Pennsylvania; and the Unitarian Church of Harrisburg, Pennsylvania. -11- . . . J . . , - . Any amounts received hereunder by either of the afore- mentioned two churches shall be used to the extent reasonably feasible, to provide for facilities for the elderly members of their respective congregations which will assist them in attending or participating in worship, educational or social activities of the Church, which are not readily available to such members from the members of their own' families, from friends, from social service organizations or from governmental agencies. ITEM VIII. MINOR BENEFICIARIES UNBORN AT TIME OF SETTLOR'S DEATH. Notwithstanding anything herein contained to the con- trary, whenever, pursuant to the provisions of this Trust Agreement, all or any part of the principal of any Trust shall vest under Section VI or Section VII in absolute ownership in a person who was not yet born at the time of Settlor's death and who is a minor, the Trustee is authorized and empowered, in its absolute discretion, to hold the property so vested in such minor, or any part thereof, in a separate fund for the benefit of such minor, notwithstanding that such property may consist of investments not authorized by law for trust funds, and during the minority of such minor to accumulate the net income and, in its absolute discretion, to pay to or apply for the benefit of such minor, from time to time, such sums from the principal and such income as, in its absolute discretion, it may deem necessary or advisable to provide for the care, maintenance and support of such minor, irrespective of the other resources of such minor or his or her parents. When -12- - ~ ... - II such minor shall attain the age of eighteen (18) years, the Trustee shall pay the principal, together with all accumulated income, to such minor and, if such minor shall die before attaining such age, the principal and all accumulated income shall be paid over to the estate of such minor. The authority conferred upon the Trustee by this paragraph shall be construed as a power only, and shall not operate to suspend the absolute ownsership of such property by such minor or to prevent the absolute vesting thereof in such minor. With respect to the administration of any such property which shall vest in absolute ownership in a minor, and which shall be held by the Trustee as authorized in this para- graph, the Trustee shall have all the powers vested in it under the provisions of Section XII hereof. IX. TERMINATION OF CERTAIN TRUSTS BY TRUSTEE. If, in the absolute discretion of the Trustee, any Trust provided for hereunder is or becomes too small to warrant the continuation of such Trust, or the administration of the Trust becomes impractical for any other reason, the Trustee may pay the principal and any undistributed income of such Trust to or for the benefit of the beneficiary of that Trust. X. DISPOSITION OF TRUST ESTATE IF SETTLOR'S WIFE IS NOT SURVIVING. If Settlor's wife, MARGARET K. PERRY, does not survive Settlor, the entire Trust Estate and any undistributed income shall be administered and distributed as Trust "B" provided for in Section V hereof. -13- . . . ~ \' . . XI. TRUSTEE'S POWERS DURING SETTLOR'S LIFETI~~. In the administration of the Trust Estate, the Trustee shall have the following powers during the lifetime of the Settlor: (a) The Trustee shall retain as an investment, unless and until the Settlor by a writing delivered to the Trustee shall otherwise direct, all of the securities and other property originally assigned, transferred, or delivered to the Trustee hereunder or at any time forming a part of the Trust Estate, whether or not such securities or other property be of the charac- ter authorized by the laws of the Commonwealth of Pennsylvania for the investment of trust funds. (b) The Trustee shall purchase, sell, lease or alter any investment held under this Trust Agreement, only in accordance with written directions received by it from the Settlor, whether or not the investment shall be of the character authorized by the laws of the Commonwealth of Pennsylvania for investment of trust funds. without intending in any way to limit the powers conferred upon the Trustee by this Section, the Trustee is specifically authorized and empowered to retain as investments of the Trust Estate, or, upon receiving a direction in writing from the Settlor so to do, to invest the whole or any part of the Trust Estate in common or preferred stocks, or both, of any one or more corporations, or in any non-income producing securities or other property, or in any so-called wasting investments. -14- ../ I '. I ,,/ l' . ',J . , , / e ~ (c) Provided that it shall have attempted in good faith to comply with the written directions received by it from the Settlor, the Trustee shall not be responsible or liable in any way for any action taken with respect to any investment of the Trust Estate, or for any loss or depreciation resulting from the purchase, retention, sale, exchange, lease, or alteration of any investment, or from any want of diversification of the investments of the Trust Estate, and shall have no duty to advise anyone with respect to the desirability of any such action. The Trustee shall be entitled to assume that the Settlor remains alive until it shall have received notice in writing of the Settlor's death. (d) If, at any time during the Settlor's lifetime, the Settlor shall deliver to the Trustee a notice in writing signed by the Settlor stating in substance that the Settlor relinquishes the powers reserved by him in the foregoing Subsec- tions (a) and (b), or, if at any time during the Settlor's lifetime Settlor should be declared legally incompetent for any reason, then the aforesaid powers reserved to the Settlor will cease and terminate and, from and after the delivery of such notice or from and after such declaration of such incompetency, the Trus,tee shall have those powers with respect to the Trust Estate given to it under Section XII hereof. -15- ~ ~" I ~ \. ./ i . . XII. TRUSTEE'S POWERS AFTER SETTLOR'S DEATH. In the administration of the Trust Estate and any Trust provided for hereunder, the Trustee shall have the following powers during the lifetime of the Settlor, to the extent not inconsistent with the provisions of Section XI hereof, and shall have the following powers without restriction, either after the delivery of the notice referred to in Subsection (d) of Section XI hereof, or after the declaration of incompetency referred to in that Subsection or after the death of the Settlor: (a) To retain, whether originally a part of the Trust Estate or subsequently acquired, and to purchase or otherwise acquire and to retain, any property, whether or not such property is authorized by law for investment by fiduciaries, or is un- secured, unproductive, or of a wasting nature, all without diversification as to kind and amount. (b) To transfer, sell, exchange, partition, lease mortgage, pledge, give options upon, or otherwise dispose of any property at any time held by it, at public or private sale or otherwise, for cash or other consideration or on credit, and upon such terms and conditions, with or without security, and for such price, as it may determine. (c) To determine how all dividends or distributions made with respect to the ownership of shares in Mutual Funds or other similar organizations shall be credited, charged or -16- . /.. ~ . I, ,/ \ I / , / ./ /' '. ~ apportioned between principal or income, without regard to the general rules of law with respect thereto. (d) To extend, modify, or waive the terms of any bond and mortgage at any time forming part of any Trust; to foreclose any such mortgage or take title to the property securing it by deed in lieu of foreclosure or otherwise; to protect or redeem any such property from forfeiture for non- payment of taxes or other liens; and generally to exercise as to such bond and mortgage or such property all powers that an absolute owner might exercise. (e) To exercise any option, right or privilege to convert bonds, notes, stocks, or other securities, or to subscribe for additional or other bonds, notes, stocks, or other securities; to make such conversions or subscriptions; to make payments therefor, and to advance or borrow money for the purpose of exercising any such option, right, or privilege; and to hold as investments such bonds, notes, stocks, and other securities so acquired, notwithstanding that they are not of a character authorized for investments by law or by other provisions of this Trust Agreement. (f) To vote any corporate stock held by it through its designees, or by proxy, with or without power of substitution, and to execute author.ity or proxies to one or more designees or nominees. -17- . , . ;{. '. ~ (g) To borrow money from the Trustee's banking depart- ment or from any other lender for any Trust purpose and to pledge all or part of any Trust to secure such borrowing, without in- curring any personal liability therefor. (h) To pay, extend, renew, modify, or compromise, upon such terms as it may determine, and upon such evidence as it may deem sufficient, any obligation or claim, including taxes, either in favor of or against any Trust. (i) To hold or register any securities or other property of any Trust in the names of a nominee or in such form as to pass by delivery, with or without indicating the fiduciary character of such securities or other property. (j) To hold any separate parts or shares of any Trust wholly or partly in undivided form for convenience of investment and administration. (k) Consistent with the desires of the beneficiary or beneficiaries, to divide and distribute any Trust in kind or in money, or partly in each, or by way of undivided interests, and for such purposes to value any property to be thus divided or distributed at fair market values at the date or dates of dis- tribution. XIII. ADDITIONAL PROPERTY. The Settlor reserves the right for himself, or any other person, to increase the Trust Estate by transferring or -18- . I; ;' . . delivering assets to the Trustee, or by having the proceeds of insurance policies made payable to the Trustee, or by bequest or devise by Will. The Settlor will notify the Trustee in writing of any policies so made payable to it, or deliver such policies to the Trustee as custodian thereof. The duties and liabilities of the Trustee hereunder shall under no circumstances be substantially increased, except with' its written consent. XIV. MERGER OR CONSOLIDATION AFFECTING TRUSTEE. If the Trustee shall merge with or be consolidated with another corporation, said other corporation shall succeed to all the duties and all the powers, including discretionary powers herein granted to such Trustee. XV. PRESUMPTION OF SURVIVAL. If the Settlor and his wife shall die simultaneously or under circumstances which would make it difficult to determine which of them died first, it is directed that Settlor's wife shall be deemed to have survived him, for the purposes of this Trust Agreement and the Trusts herein provided for. It is further directed that the provisions of this Trust Agreement shall be construed upon that assumption, irrespective of any provisions of law establishing a contrary presumption. XVI. ACCOUNTING BY TRUSTEE. The Trustee shall keep all the accounts and records of any Trusts created hereunder and quarterly, or oftener, shall -19- . " . render to the Settlor during his lifetime statements showing all receipts, disbursements, and investment transactions. After the death of the Settlor, the Trustee shall render, at least quarterly, to each beneficiary then entitled to income under the terms of any Trust created hereunder, a statement showing in detail receipts, disbursements and distributions of both prin- cipal and income of the Trust involved. XVII. COMPENSATION OF TRUSTEE. The compensation of the Trustee for services performed hereunder shall be as agreed upon from time to time by the Settlor and the Trustee and set forth in a written Fee Agreement which shall be attached hereto. XVIII. SPENDTHRIFT CLAUSE. No interest of any beneficiary under any Trust created hereunder, either in income or in principal, shall be SUbject to pledge, assignment, sale, or transfer in any manner, nor shall any beneficiary have the power in any manner to anticipate, charge, or encumber his interest, either in income or principal, nor shall such interest of any beneficiary be liable or subject in any manner for the debts, contracts, liabilities, engagements or torts of such beneficiary. XIX. TAX PROVISION. The Trust Estate shall not be charged with the payment of any Federal Estate Taxes, or any Inheritance Taxes, upon -20- . .h ~ -'( ,. / 0; - ill the Settlor's death, except to the extent that the assets in the Settlor's testamentary estate shall be insufficient to discharge such taxes. The Trustee may rely conclusively upon written advice from the Executor of the Settlorrs testamentary estate, or upon any other evidence, as to the existence of such in- sufficiency and the amount thereof. If the Trustee shall be required to pay any such taxes, they shall be charged against the corpus of Trust "A" to the extent assets in that Trust are available. xx. SITUS. This Revocable Trust Agreement shall be construed in all respects according to the laws of the Commonwealth of Pennsylvania. The situs of any assets held in Trust hereunder shall be deemed to be in Cumberland County, Pennsylvania. XXI. AMENDMENT AND REVOCATION. The Settlor reserves the right at any time, and from time to time, by instrument in writing, signed and delivered to the Trustee, during his lifetime, to modify, amend or revoke, in whole or in part, this Revocable Trust Agreement or any of the Trusts hereby created. To the extent thus revoked, the Trustee shall deliver the principal of the Trust or Trusts in- volved to the Settlor upon receiving a proper receipt, and shall execute and deliver any instruments required to release all -21- . '. , .1 ~J " e e interests of the Trustee in such property. No modification shall diminish the compensation of the Trustee or increase its obligation without its consent in writing. XXII. REPLACEMENT OF TRUSTEE. In the event this Revocable Trust Agreement shall become irrevocable by reason of Settlor's death while it is in effect, the adult beneficiary or beneficiaries entitled to receive income from any Trust hereby established, shall have authority, at any time and by instrument in writing delivered to the Trustee, to discharge such Trustee and appoint a new and legally qualified Corporate Trustee for such Trust, in which event the Trustee so discharged shall immediately transfer the assets held in trust to the new Trustee. IN WITNESS WHEREOF, the Settlor has set his hand and seal and the Trustee, in acceptance of this Amended and Restated Revocable Trust Agreement, has caused these presents to be executed and attested by its proper officers and its corporate seal affixed, the day and year first above written. ATTEST: .&A. P~rry (SEAL) WITNESSES: Settlor - ~AUPHIN DEPOSIT BANK AND TRUST COMPANY j By ?;tlkd (. t/r,'/1 ,/ cI. / Trustee , (Corporate Seal) -22- ;?:'. A. Settlement Statement U,S. Department of Housing and Urban Development * lr OMS No, 2502-0265 (Page I) B. Type of Loan ~: ;u;-~~A ~: n-~:~~~Ins.. 3, ,_[~~o~v, unln,~~f:~~::~:~~~~~-~-~__~~=~r~~'-N~be~----'--..-~~i:-Morlgage Insurance Case Num~er C. Note: Thll rorlD .. rurullhcd to live you. . "llew.al ur utu.) u.Ueulent COl... Amounts plld to and by the seulement alcnt Irl sbown. It.m. n..rkcd "(p.o. c.)" were paid oUlllde tbe closloC; ch.), lire sllo\om hen 10ror..oUoool pur.-o oud ore oot loeluded 10 ciao co..... D, Name ~;;d"Add~;~~I;B~rr~\V~;----'>---IE,->N~'.:ne, Address, andT;xpay~;'id-;~fication # of Seller Ann L. McGill i Estate of Margaret K. Perry 1365 Jerusalem Road ! John L. Perry, Co-Executor Mechanicsburg, PA 17050 I Jane Perry Levan, Co-Executor ,.. F, Name and Address of Lender 120. Gross Amount Due From Borrower - -.--TH:S~uj;~nt Ag~nlN;;~~-Add~e;~a';d T~xpayerldenlilic~lion Number I Debra K. Wallct, Esq. 24 North 32nd Strcct Camp Hill, PA 17011 -~-."-.___.________.___ _-0- Place of Settlement 24 N. 32nd SI., Camp Hill, PA J. Summarr of Borrower's 'fra~~~~~~~'!.~ '" ..,.. _ ~~,~~II.1~~ry, ~~_~e.!!e!.~.!~~nsa~!!on 100. Gross Amount Due From Borrower 400. Gross Amount Due To Seller -__._____... ........_. .""__"4_' .... ...._._._ ...__....____..___. 101, Contract sales pricc : 75,O~0.00 , _~o I. _ ~ont~~c.t salc~J~~ice ! ~r ~;~::::.~:~:; 00 b"~~~~;'~400)_J ;l~~~O_ ~j<~no":IP'-~~~~=-_- . . Adjustments for Items paid by seller In advance Adjustments for Items paid by seller In advance 106, cjty/to~n taxes -----'-to-------r---.------- 406~ City/town taxes to.." - -- : ~~: ~~:e:;~:~~: ,,':-g}~~~[~f~~~~t~r==~I=~-~=~Jf.~~ :~~~'--~~::S~~:~:ss--~=~---1t: ~~~~-:f-{~~1~~~~ 109, School Tax----- '-'~_~~o_=-_, '~~ fn_...______ >, _ _n_n~ _4,O~~~-~~?JJ~,~=-~~~~'~_~~~'~'_:_n ..to : :; Q,ro.g' Foen_ .. uJ-:: _ . _ ... n 11-!.g~~~~F~'~u~--=.~_ . I Amounts Paid By Or In_~ehalf O!,~!>>_rrower 500, Reductions in Amount Due To Seller ~~~;~~~I ~~e:~~;;f:~:~foan(~)~=~- un _ ~_~_ _r~~ -=:,-~~~:O~~.-O-O~~ {~{~-l;~I:~~~~~~~ietT~~~ft*~~~-i460) Existing loan(s) takcn subJ~~to r 75,572.50 503, Existing loan(s) taken subjcct to - ! 504. P.a.r?t~~(first.~?rtia!~_~oa~ _, r '-f' _ 505. _~~r~ff ()fs~cond_ ~!t~~~e loan I 506, t 507, 508. _._.______ _...._....u 509. __ __ _.._.______.___.' ...._.....__ _ _____..___._m_.. _ _ J\.d)~stlDell!~!~~_~te!'1s ~~paid by seller ~,IO. ,<;!!~!_o':':~_!~)(>~>_ __ _.>__ __ 10 511. C~u~~y' t~e~q_ to 512. Assessments to 513. School Tax to 514. 515. 516. 517> -- ...-----.. .----.---.----- .---.--- - ---..--- --.-- ----.--..-- ..--..---.----- 518. 519. Ohio Avenue Lemoyne, PA 17043 Tax Parccl No. 12-21-0267-147 L Selllement Dale 11/13/2006 ocalion 75,000,00 19.70 213,05 76,459,75 420, Gross Amount Due To Seller 75,232,75 200. 201. 202, 203, 204, 205, 206, 207, 20!L 209, Adjustments for items unpai~ b~ s~lIer 210, City/town taxes ,__t~h_ 211, County taxes to 212, Assessments to 213, School Tax to 214, 215, 216, 217, 218, 219, 4,465,00 -I L___. _ 220. Total Paid By/For Borrower 300. Cash At Settlement Fromffo Borrower . -..- ._- .. ... .-.-. .-- JO I, Gross Amount due from borrower (line 120) _"...__ .___.____u .. 302, Less amounts paid by/for borro~~r.(I~lle 220)..., 303. Cash ~ From Iii To Borrower 76,572.50 520. Total Reduction Amount Due Seller 600. Cash At Settlement TolFrom Seller _ ___ __n______..____..__.....___._..._ __".__. _~,~.: ,_qro~~~~~_u_"~~~~t~~~~~~9i~~ 420) _ 602. Le~s!~~~ction~ in ~":1t:j_uc sellcr (line 520) 4,465.00 je I 76,459.75 - .un ... _ __.... 76,572.50 S 112.75 603. Casla [iJ To !_. From Seller i - ( I. _, I I 75,232.75 4,465.00) S 70,767,75 I hav~ carefully reviewell die BUD-I Sclllemcnl Scalemenl anll \0 IIIe beal of my know1edlle Ind beller. it il..a lnIe and IC rale '1IIemenl.oflll receiptslnd disburscnlents made on my accounlor by me inlhi~ l;,~n~clion, I further certify Ihlll have received I completed copy of pall II I Ind 2 .flhi. HU Sclllemcnl SII~' B"'~'~~~ Li21J( a. ..... - .. .... b'1-.,;eo-F.;::::1 , ,. --F~-~~~ Borrower ane erry Levan-;- ~Executor . SETTLEMENT AGENT CElnlFICATION Sellcl"s Taxpayer Identification Number Solicitation and Cerllncatlon Tht: Ifun-I Scultn1l:111 SIAlenk:nl which J have ~ is a lrue and DCCUI1llC account or Ihis transaction. I have You arc ~uired by law (0 PrOvide the Settlement A,ent I1l1"lltd above with your COITCcllaxpaycr idenlilicllion t:ilus(d the funds 10 be- disbursed illllccordance wuh this statement number. If you do not PfOVlde the Settlement Alent with YQur cOITCCllaxpa~r idcntificalion number. you Olay be .ubjecll,! ciyil or crifllinol penohies impose~ by ,low, ,Under p'onohies oT pcljury. I cenify thot the nUlObe, shown on thiS statement IS my COITeet taxpayer Idcnllficlllon number. 'JIJJJ.... Selllcment Agent Dale WARNING" II j~ D t:1;mc: III L:nowinlly mak~ false SUlIClnents 10 the Unil~d SIDl~ on this or any other similar fonn. ~:~~~~~8r;r' cunviclion can inclu ~ it fine lU'Id imprisonment. Fordelails see: Tule II U.S. COde seclion 1001 ond \.0.... ". -.J~, Seller's Signa lure Dale RESPA, HB 4305,2 HUD - I 3/91 "ment Charges ~O!:r!I::~~tt;~~~~~~~:~~~~ a~a:~1o:~~~:~~-:~~-:-::-- 7-5,OOO:OO-@- 6 %~-- -- - 4'5OO~J-r- ~~~:~~~ $ to '" -- - - - '- - - _n__ - -- Funds at Settlement $ to Com-miss!on paid at Settl~~~~!----'_J.:ioward-H~~~a ~eal ~~a~"s.-eri!~_Q~~~:~~~E~_ep)' -- +~_-=-- JI. 702. 703. 704, 800. !t~ms~~y~ble ~n <::on!lec.!i_~_~th_Lo~n ____.',_____ __.., __ 80 l:__~~~~.9.rig!~~!i?n Fee n..___' ____,_, % '__'_n n__ _,__, _______,___.. 802, Loan Discount % -_.._.~. ...~ ....--- .._..-. 803. APP!~is~1 F~e 804. Credit Report .. . -----....--.. -.. -'. - - ..----.----. .._--. 805. Lender's Inspection Fee . . - ..---...--- 806, Mor~a~e Insurance AppH~~!~~~~e.: ' 807, Ass~~ption Fee 808, Flood Certification Fee to: 809. 810. 811. 900. }tems-'~e.quired Br}J!~~e.~.!o Be ~~~ In Advance 901. Interest from to @ $ .. .....-.- . .. --.-..... ... _. .-. .... ...--" .-.- 90~,_ _Mo~~~~e!!1surance Pr~m.iu'!l.!or 903. Hazard Insurance Premium for 904, 905, 1 OO~~__,~e.~e.!:ve~ _.'?e.p~~ited Wi~h _L.e.n.~~~_,__ 100 I. Hazard Insurance -..-. '.-..._-.- I 002. ~ort~a~e Insurance 1 O~~.:.._ C~ty pr~p~!_tr taxes I 004, ~~~~~u~operty taxes 1005, Annual assessments 1006. School Taxes 1007, 1008. 1100. 1101. 1102, 1103. 1104, 1105, 1106, 1107, .-- '---'-'.-' -..,-..----.- --_.- --. -. - ..._----------------1-- to to .--..--..---"--------t. to T'-- ,------,--- +-'-- --'---------,-i-- ------ --------,-,-1-, 159.00 88.00 750_00 175.00 25_00 30.00 1,227.00 Page 2 Paid From Sellers Funds at Settlement 3,500,00 5,00 85,00 750,00 115,00 4,465.00 Initial Elerow Account Stat.m.at Required by Section to (c) (I) oft"e Real E.tate Settlement Procedures Act (RESPA) II" checked ','the terms of your loan require you to liave an escrow account to assure mal the cerlllin obliplions relaling 10 Ihe mortgaged propeny, such as laxes, fnsurance premiums and other charges are paid. The amount specified below will be collected, along with your mortpge principal and interest payments, during the lirst 12 months aner your account is opened to pay these anticipated expenses: -' /day __ ___.____u._., ._.. months to ---- .-...--.--. years to ,----,---,..,---..-..-- 'T ,-' - ,,'..' ____,__ ____n' !_ _,_ ..... :~:::~_==::l. . . . months @ $ month_s._@,~ _ mon~~s @ $ _ _ __ n months @~,_ !TIo~ths @_~,__,__,.. mon~hs. @,~_.._,. mont~s @_~,_..____n' -permoiith------~-------- r-n -- _::P.~r'm~n~~~_~-~,~~_::~---- -- -". -"'" -- J~!._m~!lt~..,,_,_ n _,_ -, r ,p.er.'!'~~~~_____,______..,'_,__ ! _p:r~~nth ____,_____,____ "'" ,_~.._ , p_er_rn.on!~___,__,n,___.__,___..,__.L ,_ _~~r ~~.!l~__,____ ______u__ __ ,I, -, 1108, Aggregate Reserve Adjustment Ti~I,! <:ha~Jes Se!lIement or closin8. fee Abstract or title search Title examination Title insurance binder Document preparation Notary's fees Attorney's fees (includes above items numbers: Title insurance (includes above items numbers: Lender's coverage Owner's covera~e __,_,___,__,__, Deed preparation to Debr~~._ V!~~let , , ! _I. 'f.---n I '! - _n_ to to ~o~l_~~~!~,~ettlement~,L~c: to to to to to La~rie W~8._ner .. ) I to ) ! $ $ 1109, 1110, 1111. 1112, 1113, 1200, 1201, 1202, 1203, 1204, 1205, 1300. 1301, 1302, 1303. 1304. 1305. 1400, Government Rccordin!~!l.~ Tr~!1sr~r Chu~~!sn m_'__"._n__" ,,__...,______ ___,,___ Recording fees: Deed $ 39.50;__~ort8.a~e.~_ 48.50; Releases $ City/county tax/stamps: De~d $ ,750.00 __,__!_~ort~a~~ ,~, State tax/stamps: Deed~__ 750,00 _ ,_ _____n__; t\.1o!'l~a8.~ ~___ Additional Settlement C~~!~c:.s_ Transaction processing fe,: to_ Ho~~!~ ~ann~ R~~I~s~!:~~rvices , Mary Sultzaberger (titlesearc~_ f<:,~_13.65 Jeru~~I~l Rd.) , Overnight mail I 1-, I .. - ,-,-,-- -..------,------ .1-" - -- .-........-....----.-----.~----..-.-.. --1. I Total Settlement Charges (enter on lines 103, Section J and 502, Section K) Escrow Aaoont Beginning Date: I'ayce Your escrow account payment will be S Purpose Anticipated Due Date per BUD - I 3/91 RESPA, HB 4305.2 Estimated Amount , . ~ A. Settlement Statement U.S. Department of Housing and Urban Development ~ 1r OMB No, 2502-0265 (Page I) B. Type of Loan ~:;~'~'~;A '~:' i_:: ~;~~I:S~ 3~~~?~~::~._~n~~~1~~li~~N~~b~I~_~~=_:~-- "-J-7~-L~~;;-N~~b~-;:-'----- ,8, Mortgage Insurance Case Number _d ___,__ __u ~~~~~6__ ________ L _ C. Note: l1ab: rarm b: Curnlsbed to Ilye you. Jllt.mlU' or actual,le.de.uent cosl.. AlnOUIII. paid to and by tbe settlcm.nt Icen. an shown. lien.. marked "(p.D.C.)" were 1.lld outside the c1oiJna:; the)' are ihown btre' h.rormallouMlllurpolCl Iud are not Included lu tbe tOlall. ,- ,-----,--.,-,-, -liEf:~~~~~~K!~;~';;fi;;";" ;rS;lI~;--~ ~~IF ~;iE::~,E;~;:::' S"';m I Jane Perry Levan, Co-Executor I Pittsburgh, PA 15238 ,-- - ---- - - -, n_ ------ ------- ------Fi.s~iilemc;;-t A-g~;;-i Na;c, Addr;s~-;'d-T~~p~ycr Identification Number Debra K. Wallet, Esq. ' 24 North 32nd Street Camp Hill, PA 17011 ..--.- --.._--- .--.-- - ----..----- ---------- Place ofSclllemcnt 24 N. 32nd St., Camp Hill, PA J. Summarr of Borrower's.T!~.!'~~~ti~~s__, ___....__,_______.,___'., L1l1lma~y of Seller s ransac lon, 100. Cross Amount Due From Borrower ross mount ue 0 el1er : ~~: ~:r~;~:f~~Jftjl~~'.: -~~~.,-~_~~_...___,_._-~~~_~_r,:-_-=~~~~~~~~= l~I=~t;;~~f-~~:;~::====, -, : ~~: Sett!~~~nt~h.~r~es _t~_ b:~~=~(~~~~I~~~-~-~__=-'t~' .,-_~::.-,-.~!~~=~7_6_ _;~~ _==--=~===_~==~::..,~:::~ ' 105, ___,._________,__._____1... ______m___.' 40~._____ Adjustments foritern~ pai,! by s~!~~r _i!ladval~~~__ -T __ ___~dj~~~l!!en~~ for Item!paidby se!l~r!n advance 106, City/town taxes to I 406. City/town taxes to Ill7, Countytaxes li/13i06to 12/31/06 ,[ 1~2,~~_ :4<>"7. ~~untr_!~x:e~:-"'--'- 11/13/06to 12/31/06 : ~~: ~:~::~n~:ts I i713i66~~ -'06130/07 - '---j I .5P'5:"7~. ::~:~- '~:~~:fa~~' - '~~~":TPi-3/ri6~~ 06/30/07 110, 410. .._.____n...______.._._ .... _.__.___._. _.___..___ _''''____''_' -. + III. 411. ... '. .__._._,_~.._ __..__.____ w_.____ _.u_____ ____ ~._._. ". _.-,.., ..____.__._.__.__'__ --- II::!, 412. D, Nume and Address of Borrower Wayne C. Loper, II Mary M. Loper 230 Fawn Ridge North Harrisburg, PA 17110 L Settlemenl Dale 11/1 3/2006 298,000,00 139,22 1,505,74 120. Cross Amount Due From Borrower 309,450.72 420, Cross Amount Due To Sel1er 299,644,96 I .L.._____ .. 500, Reductions in Amount Due To Sel1er .______. .._.....u. .___._ ..__ e_ .___. _ __..__... _ ___ ._._. _ .. , ... ,__4!OOO~0~_ ~~I :~~_~.e~~~~pos~~~~ ~nst~uct!?~~), , 23I,OOO.00?_~2.,_ ~~~~e!1.~~~~!es ~o_ ~el~~r (line 1400) ,__ _____ ~~~~ _~!~~~!,~O~~~~:~~"-.s.ubJec~~o 30,OOO.0~, ,?04~_~~()ff,~!~~~~_m()rt!~~e loan__ ~~5. ..~~~off_().!:.~~~"-~~o~~~!~ loan 325.00 506, _.._...__._._ ____...___..e. _ ___.___ ______ 507. ...-.- -- ...--.--.------- -.-.- - 508. _____._ ___.___.__._.._______.__._____._._e 509. ..-- .--.....-- -.--.--.-..-.----------.. .- ~~J~~!~~~~~~o~i!ems. Ilnpaid by seller 510. City/town taxes to 5 11, County taxes to 512. Assessments to 513, School Tax to 45,91 514. SewcrlTrash 515. 516. 517. 518. 519, 17,080,00 200. 201. 202, 203, ::!04, 205, 206, Upfront money credit 207, 208, 209, Adjustments for items unp~id br seller 210, City/town taxes to 211, County taxes to 212. Assessments to 213, School Tax to 214, ScwcrlTrash 215, 216, 217 218, 219 Amounts Paid Br Or in ~ehalf O_f Borrow!r Deposits or earnest monet.., ' Principal amount of new I()a~(s~ Existin$ loan(s~ taken subj.~c!to Advanced Equity Loan --" i ..,I 45,91 , I "'1' 220. Total Paid By/For Borrower 265,370.91 520. Total Reduction Amount Due Seller 17,125,9\ 300. Cash At Settlement FromlTo Borrower 600. Cash At Settlement To/From Seller 301, Gross Amount due f~o;;;-~~r~~\\f~r~H~e 120) _- L _--_-_)~2~~~-:?~' -6~1:-:=_~~?~s~"0o~~!~~e to ~e!f~-Qln~'4-20) . 302, Less amounts paid by/for borro~~~line 2~0) __. ~ C _2~~3?o.'?L ~O~~_~e.s~ ~eduction~~ am~:. d~~ ~_el~~E(line 520) 303. Cash X From f. J To Borrower I $ 44,079,81 603. Cash lKJ To 1 _; From Seller tl menl Stalemenl and 10 lhe best or illY knowlcdllC Dnd belicf. il is a trUC and ac ralc slalement orl~~iPlS and disbursclllcnlS made on my cr certify thai t have received a completed copy of palles I and 2 of lhis HU ";Inita:'i-:2. ."'OW,, W. Lop"" m ofo . . u . . ..., L P'"~E"'~ ~ Borrower Mary M, L~ ~ ane P. LeVan,~tor SETTLEMENT AGENT CERTIFICATION Seller's Taxpayer Identification Number Soliellation and Certification 'rhe fIU().1 Sculcmcnl StOUClIlCnI which I h.lVC p:c:~cd is D (rue and accurate account or Ihis tronsOC:lion. I have You we rc~uircd by law to PfOvide the Selllcmchl Alcnt named above with your cOITccllaxpaycr identification caujcd the fundli 10 be djsbursed in pCCONanCI: wnh this statement. number. If r:: do nut PfOvldc the Sculcmenl ~cnt whh W' correct taxpaJCI' idcnlification number. you may ~o~~j=llhylc~I~llc~c~~~u~~ ~:::c:.~~~r id~iW~lio~~c:.r~~lies 0 ~rjul)'. I (cniry thaa the number ( 299,644,96 17,125,91 ) $ 282,519,05 \QA.w.Il. W~- SeiiTemenl Agent Date \YARNING: II i!li.il ClinlC III knowin~I'f n\01kc f.aJse statements to the Uniled States (H1 this or any olher similar (onn. ~~~~~:~s,8rgn COtl\'iClioo can indu c a fine and imprisonment For details see: Title 18 U.S. COde scction IOOlllUd ula3Jo~ ' , Seller's Signalure Dale RESPA. fiB ~3052 IIUD-13/91 ~.~.':i;~~k";;c.n;mJ..iODba;'d .n $-- -- .-'9foOO:OO@6 - . %;-----."..-00 ,vision of Commission '(lfne700)8s"foll~ws:-'. ---.--. -- --- _n.__n - .-.- _._n . - ~___n.~_ n_. ... ___u~._._____ - -- . ..-.-.-._-- --- $ to ___"__ __'4____ .. $ to J3. Co~rnission paid a(Sett~e~~~L_~~H~~~r~-Ea.~n~~ R~,~~_E_s!~e.~~~vFiiJI~ss ~$~~~O ~ip2__===~- 704. 800. ,)t!.ms Par~~le in ~~nn~~ion ~!!~_~~an..._,_________, 80 I. , Lo~n Ori~in~tion Fee 802. Loan Discount 803, Appraisal Fee 804. Credit Report 80S. Lender's Inspection Fee - __ '_'-0 806. Mort~~~e Insurance App~!~~~~~n _~_e~_ 807, Tax service fee 808: DoculTlentprep. fe,e. 809, Underwritjn~ fee , 81 O. Advanc~d e9uity fee _ ,______.,..__. 811. Flood certification to F .D.S.! 900. Items Req~,ired Br. Le~~~~. To.!J~.!_aJ~I~ ,~~!a~c,~____,_._,_____________.___,__._______ __, 901. Interes~ from ".I_I/~3!~~_t?_.~II~~/~6, _@.~ _,.~?-2?,_!~_~'t__..___.__._._ -.,-.-I- m. ~2:~~::;:"~;~:,;;r.;~"~:~. $5''--.- .._._._.-]~~~~Ohi~c..ua]'~0~"!''':=.pc -. -.--",-. ,".-, ,-,---,------ ---I-- 9M. I 1000. 1001. 1002. 1003, 1004, 100S. 1006. 1007. 1008, Aggregate Reserve Adjustment II O~~__ !~~!~~~_~~s. , '" _. ._. , ._._," 1101. 1102, 1103, 1104, IIOS. 1106, 1107, % ,7S % - ,.-, '''''."_''h'''~'-r-- _._._~.__.__.w~_____ _ ._._~__ Paid From Borrowers Funds at Settlement -- t ,732.50 300,00 14,00 POC 90,00 200,00 395.00 SOO.OO 13.00 683.46 13S,99 882,20 1,000,00 (894,39) 1.232,00 216,00 2,980.00 17S,OO 2S,OO 30.00 96.00 Page 2 Paid From Sellers Funds at Settlement 13,880,00 10,00 85.00 2,980,00 125,00 Total Settlement Charges (enter on lines 103, Section J and 502. Section K) 9,805.76 ' Initial Escrow Account Statement Required by Section 10 (c) (I) orthe Real Estate Settlement Procedure. Act (RESPA) Fscrow Aanmt I'ayee Your escrow account payment will be S Purpose Anticipated Due Date to , ~~pe!1.~~v~EA'pp~~isals to CBC Innovis .- ---.-.- -- --.---_____.._... --_.-.. . ._~-___.._. .__._ __ '_u' ___ ____..__ ___ Attorney, revie\V.to HHMS($275,POC by lende~L_ , to ~!~~~_e_s!?ep~s~t~d~~t!J,~~I~~!.._._ _. ._.__'n _n_.... _, _,____ __. ,,_ -------.,, ___. ",'. Hazard Insurance 3 ~~~~~ @,~. _., _. __4~.H.e~~,~~~t~, ' Mortga~e Insurance '"h._,._~?n.~,,!_@$..,u,__,_,_ . "". ,pe!,~~n,t~. ,.~~~,.~=~--=~~.'~~",=i~~ City property taxes. mon.!~~ @,~ per month i County property ta.xes, W mon.t~~ @ ~ s&:ziper month" "n ,.... . ..----- n_ -- ur- Annual assessments rnont~~@$,. '" ,Je.~,-~?n.~~~ .'...,~.~..:':',~:,~~-"-":T School Taxes S rno..nths.@..S, 200..0~,P:~_~~~,t~.._.._....___n.'.h_._+ mont~~!ts. _, ._.. ,p':rrtlonth .. _, , I _.. I 1108, Set~lement or closin.g fe~ Abstract or title search Title examination Title insurance binder Document preparation Notary's fees Attorney's fees (includes above items numbers: - .. Title insurance . --_... .-----. (includes above items nU":1~~rs:_ Lender's coverage Owner's coverage Deed preparation to Debra_J(~ W~}I:t ...... ."'.-' ,+-- -i--- ____,h_....__. - C_. I '1--- I J -. I ,_.,___._ .L.. 17,080.00 If checked I ,; the temll of your loan require you to have an escrow account 10 assure that the cerrain obligations relating to the mortgaged property, such as taxes, insurance premiums and other charges are paid. The amount specified below will be collected, along with your mortgaae principal and interest payments, during the first 12 months alier your accoullt is opened to pay these anticipated expenses: to to to to to to L.~~rie . W~~~e~ to f .1, ..4 ' I , . ;-n , i-- :1. ) . .- - -. ~ to Community~c:tt!e~~~~t~ LLC 1109, 1110. 1111. 1112, 1113.. 1200. 1201, 1202, 1203, 1204. 120S, 1300. 1301. 1302, 1303, 1304, 1305. 1400. $ $ Government Recordin~and Tra~s~er Char,~es. ",. , Recording fees: Deed S 39.50; ~ortga~e $,. 176.50; Releases $ City/county tax/stamps:.~e:d $ 2!980.00 ,,~fo.:1o~t~a~e ,~, State tax/stamps: Deed~... u..~!~~O.OO _; _M~r~~~~e$ Additional Settlement.c;~ar~~~._ __ . , _ '" . Transaction Processin~ Fee to Howard Hann~,~~al Est~t.:Servjces.. Mary Suhzaberger (title search for 2.30 Fawn Ridge North) Overnight mail Borough of Lemoyne (qu~!.Crly~~er ~ tras~L._,____.._n_....._,__ .. --.-n-.:-:. --r.'" Beginning Date: HUD. I 3/91 per RESPA, HB 4305,2 Month EsJinlll/ed Amount ~