HomeMy WebLinkAbout10-31-07
REV-1500 EX (~)
OFFICIAl USE ONLY
COMMONWEALTH OF
PENNSYLVANIA
DEPARTMENT OF REVENUE
DEPT. 280601
HARRISBURG, PA 17128-0601
REV-1500
INHERITANCE TAX RETURN
RESIDENT DECEDENT
FILE NUMBER
DECEDENT'S NAME (LAST, FIRST, AND MIDDLE INITIAL)
~ Ma aro Susan
~ DATE OF DEATH (MM-DD- YEAR) DATE OF BIRTH (MM-DD-YEAR)
~ 7/11/2004 1/12/1912
W (IF APPLICABLE) SURVIVING SPOUSE'S NAME (LAST, FIRST, AND MIDDLE INITIAL)
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..aL - ~;l Jl:l~ 'd_
COUNTY CODE YEAR NU~ER
SOCIAL SECURITY NUMBER
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
M
REGISTER OF WILLS
SOCIAL SECURITY NUMBER
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[i] 1. Original Return
D 4. Limned Estate
D 6. Decedent Died Testate (Attach copy of Will)
D 9. Liti9ation Proceeds Received
D 2. Supplemental Return 0 3. Remainder Return (date of death prior to 12-13-82)
D 4a. Future Interest Compromise (date of death after 12-12-82) 0 5. Federal Estate Tax Return Required
[U 7. Decedent Maintained a Living Trust (Attach copy of Trust) _ 8. Total Number of Safe Deposn Boxes
D 10. Spousal Poverty Credit (date of death between 12-31-91 ar<! 1-1-95) 0 11. Election to tax under Sec. 9113(A)(AttachSchO)
THfSSECTION MUST BE COMPLETED. All CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
NAME COMPLETE MAILING ADDRESS
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Mark E. Ha1bruner, Es ire
FIRM NAME (If Applicable)
Gates, Halbruner & Hatch, P.C.
TELEPHONE NUMBER
717-731-9600
1013 Mumma Road, Suite 100
Lemoyne, PA 17043
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6. J~ Owned Property (Schedule F)
U Separate Billing Requested
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (7)
(Sched ule G or L)
(6)
$0.00
$0.00
$0.00
$0.00
$711.80
$0.00
OFFICIAl USE ONLY
1. Real Estate (Schedule A)
(1 )
(2)
f'" ..1
2. Stocks and Bonds (Schedule B)
3. Closely Held Corporation, Partnership or Sole-Proprietorship (3)
r---
4. Mortgages & Notes Receivable (Schedule D)
5. Cash, Bank Deposits & Miscellaneous Personal Property
(Schedule E)
(4)
(5)
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$91,946.00
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$92,~57 .80
8. Total Gross Assets (total Lines 1-7)
(8)
$110,617.65
$0.00
9. Funeral Expenses & Administrative Costs (Schedule H) (9)
10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) (10)
(13)
$110,617.65
($17,959.85)
$0.00
11. Total Deductions (total Lines 9 & 10)
(11)
12. Net Value of Estate (Line 8 minus Line 11)
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been
made (Schedule J)
(12)
14. Net Value Subjectto Tax (Line 12 minus Line 13)
SEE INSTRUCTIONS ON REVERSE SIDE FOR APPLICABlE RATES
(14)
($l7,959.85)
15. Amount of Line 14 taxable at the spousal tax
rate, or transfers under Sec. 9116 (aXl.2)
18. Amount of Line 14 taxable at collateral rate
$0.00
$0.00
$0.00
$0.00
x .0 L(15)
x.o ~(16)
x .12 (17)
x .15 (18)
(19)
$0.00
$0.00
$0.00
$0.00
$0.00
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16. Amount of Line 14 taxable at lineal rate
17. Amount of Line 14 taxable at sibling rate
19. Tax Due
20.0
CHECK HERE IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT
> > B~ SURE TO ANSWER ALL QUESTIONS ON REVERSE SIDE AND RECHECK MATH. <..;
3W4645 1.000
1)
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ece en s ample e ress:
STREET ADDRESS
1 Chester Road
Cumberland
CIlY 1 STATE I ZIP
Enola PA 17025-
Tax Payments and Credits:
1. Tax Due (Page 1 Line 19)
2. Credits/Payments
A. Spousal Poverty Credit
8. Prior Payments
C. Discount
(1)
$0.00
$0.00
$0.00
$0.00
Total Credits (A + 8 + C) (2)
$0.00
3. Interest/Penalty if applicable
D. Interest
E. Penalty
$0.00
$0.00
Total Interest/Penalty (0 + E) (3)
$0.00
4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT.
Check box on Page 1 Line 20 to request a refund
(4)
$0.00
5. If line 1 + line 3 is greater than Line 2, enter the difference. This is the TAX DUE.
(5)
$0.00
A. Enter the interest on the tax due.
(SA)
$0.00
B. Enter the total of Line 5 + SA. This is the BALANCE DUE.
Make Check Pa able to: REGISTER OF WILLS, AGENT
(58)
$0.00
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
Yes
[j]
D
D
D
without receiving adequate consideration? . . . . . . . . . . . . . . . . . . . . . . . . . . .. D
3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? D
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which
contains a beneficiary designation? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. [U D
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
Under penalties of perjury. I declare that I have examined this return. including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete.
Declaration of preparer other than the personal repnesentative is based on all information of which preparer has any knowledge.
1. Did decedent make a transfer and:
a. retain the use or income of the property transferred:. . . . . . . . . . . . . . .
b. retain the right to designate who shall use the property transferred or its income; .
c. retain a reversionary interest; or . . . . . . . . . . . . . . . . . . . . . . . .
d. receive the promise for life of either payments, benefits or care? . . . . . . . . .
2. If death occurred after December 12, 1982, did decedent transfer property within one year of death
No
D
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SIGNATURE OF PERSON RESPONSIBLE FOR F
Anthony R. Magaro
ADDRESS
P.O. Box 61
SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE;?
Mark E. Halbruner, Esg. ~~l1.,. c::.
ADDRESS
1013 Mumma Road, Suite 100
DATE
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Enola, PA 17025
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DATE
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Lemoyne, PA 17043
For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3%
[72 P.S. S 9916 (a) (1.1) (i)].
For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0% [72 P.S. S 9116 (a) (1.1) (Ii)]
The statute does not exempt a transfer to a surviving spouse from tax. and the statutory requirements for disclosure of assets and filing a tax retum are still applicable even if
the surviving spouse is the only beneficiary.
For dates of death on or after July 1, 2000:
The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent,
or a stepparent of the child is 0% [72 P.S. S 9116(a)(1.2)].
The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5%, except as noted in 72 P .S. S 9116(1.2) \72 P.S. S 9116(a)(1)].
The tax rate imposed on the net value of transfers to or for the use ofthe decedent's siblings is 12% (72 P.S. S 9116(a)(1.3)]. A sibling is defined, under Section 9102, as an
individual who has at least one parent in common with the decedent, whether by blood or adoption.
3W4646 1.000
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE A
REAL ESTATE
REV-1502 EX + (6-98)
ESTATE OF
FILE NUMBER
Susan M. Magaro
All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be
exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts.
Real property which is jointly-owned with right of survivorship must be disclosed on Schedule F.
ITEM
NUMBER
1. None
DESCRIPTION
VALUE AT DATE
OF DEATH
3W4695 1.000
TOTAL (Also enter on line 1, Recapitulation)
(If more space is needed, insert additional sheets of the same size)
$
$0.00
REV. 1503 EX + (0.98)
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
SCHEDULE B
STOCKS & BONDS
FILE NUMBER
Susan M. Maqaro
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
ITEM
NUMBER
1. None
DESCRIPTION
VALUE AT DATE
OF DEATH
3W46961.000
TOTAL (Also enter on line 2, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
$0.00
REV.1508 EX + (6-98)
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
ESTATE OF
Susan M. Magaro
FILE NUMBER
Include the proceeds of litigation and the date the proceeds were recei-.ed by the estate.
All property jointly-owned with the right of survivorship must be disclosed on Schedule F.
ITEM
NUMBER
DESCRIPTION
VALUE AT DATE
OF DEATH
1
MetLife, Inc., common stock
(pending Unclaimed Property claim
for cash value of stock and
accrued dividends)
$695.00
2
MetLife, Inc., common stock
(pending Unclaimed Property claim
for cash value of stock and
accrued dividends)
$16.80
3W46AD 1.000
TOTAL {Also enter on line 5 Recaoitulationl $
(If more space is needed, insert additional sheets ofthe same size)
$711.80
REV-1509 EX + (6-98)
COMMONlNEAL TH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Susan M. Magaro
If an asset was made joint within one year of the decedent's date of death, it must be reported on Schedule G.
SCHEDULE F
JOINTL V-OWNED PROPERTY
FILE NUMBER
SURVIVING JOINT TENANT(S) NAME
ADDRESS
RELATIONSHIP TO DECEDENT
A.
B.
c.
JOINTL V-OWNED PROPERTY:
lETTER DATE DESCRIPTION OF PROPERTY %01' DATE OF DEATH
ITEM FOR JOINT MADE I NCLUDE NAME OF FINANC:IAL INSTITUTION AND BANK ACCOUNT DATE OF DEATH DECO'S VALUE OF
N..f.A8EROR SIMILAR IDENTIFYING NUMBER ATTACH DEED FOR
NUMBER TENANT JOINT JOINTLY-l-ELD REAL ESTATE. V AWE OF ASSET INTEREST DECEDENT'S INTEREST
1. A.
Nonl
TOTAL (Also enter on line 6 Recapitulation) $ $0.00
3W46AE 1.000
(If more space is needed, insert add~ional sheets of the same size)
REV-1510 EX + (6-98)
SCHEDULE G
INTER-VIVOS TRANSFERS &
MISC. NON-PROBATE PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Susan M. Magaro
FILE NUMBER
This schedule must be completed and filed if the answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes.
ITEM
NUMBER
1.
3W46AF 1.000
DESCRIPTION OF PROPERTY
II>.ClLOE TfiO Nl\ME OF TfiO TRANSFEREE. THEIR RELATIONSHIP TO DECEDENT AND
TfiO DATE OF TRANSFER ATTACHAOOPY OF THE DEED FOR REAL ESTATE.
DATE OF DEATH
VALUE OF ASSET
% OF DECO'S
INTEREST
Single-family residence located
at 1 Chester Road, Enola, East
pennsboro Township, Cumberland
County, pennsylvania; being Tax
Parcel No. 09-14-0834-224;
transferred to Anthony R.
Magaro, Trustee of the Susan M.
Magaro Family Irrevocable Trust
dated January 15, 1997, by
Susan M. Magaro, by her deed
dated January 15, 1997, and
recorded on January 22, 1997,
in the Office of the Recorder
of Deeds in and for Cumberland
County, pennsylvania, in Deed
Book 152, Page 439. Value is
gross sales price.
$91,946.00 100.0000
TOTAL (Also enter on line 7, Recapitulation) $
(If more space is needed, insert add~iDnal sheets of the same size)
EXCLUSION
(IF APPliCABLE)
TAXABLE
VALUE
$0.00
$91,946.00
S91,946.00
REV.1511 EX + (12-99)
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Susan M. Magaro
ITEM
NUMBER
A.
B.
3W46AG 1.000
FILE NUMBER
Debts of decedent must be reported on Schedule I.
DESCRIPTION
FUNERAL EXPENSES:
1.
Richardson Funeral Home, Inc.
funeral goods & services
1.
ADMINISTRATIVE COSTS:
Personal Representative's Commissions
Name of Personal Representative(s}
Social Security Number(s} I EIN Number of Personal Representative(s}
Street Address
City
State
Zip
Year(s} Commission Paid:
2.
Attorney Fees
3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation)
Claimant
Street Address
City
State
Zip
Relationship of Claimant to Decedent
4. Probate Fees
5. Accountant's Fees
6. Tax Return Preparer's Fees
7.
1
PNe Bank
Loan No. 48109202937
Payments made on loan during
period from date of death to
September 2005.
Total from continuation schedules . . . . . . . . .
TOTAL (Also enter on line 9, Recapitulation)
(If more space is needed, insert additional sheets of the same size)
$
AMOUNT
$4,533.00
$500.00
$13,212.09
$92,372.56
$110,617.65
Estate of: Susan M. Magaro
203-10-9666
Schedule H Part 7 (Page 2)
2
Register of Wills
filing fees
$15.00
3
Settlement charges on sale of 1
Chester Road property.
Credit for taxes paid by seller in
advance: +$411.56
Settlement Charges: ($4,271.72)
Payoff loan no. 48109202937 to PNC
Bank: ( $ 8 2 , 569 . 08)
Seller Assist: ($5,516.76)
$92,357.56
Total (Carry forward to main schedule)
$92,372.56
REV-1512 EX + (12-03)
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Susan M. Magaro
Report debts incurred by the decedent prior to death which remained unpaid as of the date of death, including unreimbursed medical expenses.
SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES, & LIENS
FILE NUMBER
ITEM
NUMBER
1.
DESCRIPTION
VALUE AT DATE
OF DEATH
3W46AH 2.000
TOTAL (Also enter on line 10, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
$0.00
REV-1513 EX+ (9-00)
SCHEDULE J
BENEFICIARIES
COMMONWEALTH OF PENNSYL VANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Susan M. Maaaro
NUMBER
I
1
NAME AND ADDRESS OF PERSON(S) RECEIVING PROPER1Y
TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers
under Sec. 9116 (a) (1.2)]
Anthony R. Magaro
P.O. Box 61
106 Pine Rill Road
Eno1a, PA 17025
RELATIONSHIP TO DECEDENT
Do Not List Trustee(s)
Son
FILE NUMBER
AMOUNT OR SHARE
OF ESTATE
$0.00
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET
II NON-TAXABLE DISTRIBUTIONS:
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
3W 46A1 1.000
TOT AL OF PART II - ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET
(If more space IS needed, Insert additional sheets of the same size)
$
$0.00
11U~ l~ I..U L.CIlJlY Ulcil 111l~ 1:::' ct UUt: L.UpY Ul UIe H::I..UlU WlllLll I:} Vll HIe 111 Ule l-Cl111~YlYalUa LJIYl~IU11 Ul VllCU I\.CLUiU~ 111 CiLl.UIUaULC
with Act 66, P.L. 304, approved by the General Assembly, June 29, 1953.
WARNING: It is illegal to duplicate this copy by photostat or photograph.
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No.
Charles Hardester
State Registrar
Calvin B. Johnson, M.D., M.P.H.
Secretary of Health
MAR 2 9 200S
Date
H105.143 Rw. '2l87
COMMONWEALTH OF PENNSYLVANIA' DEPARTMENT OF HEALTH' VITAL RECORDS
lYPEJPRlNT
IN
PERMANENT
SLACK INK
CERTIFICATE OF DEATH
070774
NAME OF DECEDENT (F.... MiddI..l.asl)
~ Susan M. Magaro
. AGE (lasI BIr1Ilday)
STAlE FILl. NlJMBER
SEX SOCIAL SECURITY NUMBER
2. Female.. 203-
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5-
COUNTY OF DEATH
92 YIS.
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RACE - American locIWl, Black, W1/le. et
(Spedfy)
White
... Cumberland
DECEDENTS USUAL OCCUPA TlON
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ClerlCal
C:.
TO (OR M ACONSEOUENCE Of):
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17b. CotrJty Cumberland ~~? 17d.D ~~=ot
MOTHER'S NAME (FIrSt. Mickle, Maiden S...-neme)
... Agnes McConnell
INFORUANT'S MAILING ADDRESS (Straet. CilylTaom, Stale, Zlp Code)
2Ilb. P.O. Box 2]5 New Bloomfield PA 17068
PlACE OF OIsPOsmQN.. Name at Cemetery, CI8maIory LQCATJQN . CitylTown, Stata, Zip Code
or 0"* PIllC8
210. Holy Cross Cemeter
NAUE AND ADDRESS OF FACILITY
22c.Richardson F.H. 29 S.Enola Dr. Enola PAI7025
LICENSE NUMBER OA.TE SIGNED
VV/. 1> ' 0 6 4- 9- do. <1-1.- (MonIh, Day, Yea-) '1 II 1\ 0 if-
23b. 23c.
WAS CASE REFERRED TO A MEDICAl EXAMINER ICORONE~
21. Yes 0 No 111
: ApproJ(im81e PART II: Other significanI: condtions contribUifYll! to death. but
. inIetvaf not re~ In Ihe underlying cause t;;v... in PART I.
: onael. and de8lh
I)rP\ t<11'f I~N
MARITAL Sf ATUS - Married,
-~S:=ed,
14. Widowed
17c. eg Yes, deCedent IiYed In
SURVlvtNG SPOUSE
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WAS AN AVTOPSY \fIof:RE AUTOPSY FINDINGS
PERFORMED? AVAIlABLE PRIOR TO
COMPlETION OF CAUSE
OF DEATH?
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DATE OF INJURY
(Month, o.y, Yew)
TIME OF INJURY
INJURY AT WRK? DESCRIBE HOW INJURY OCCURRED.
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34.
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THE SUSAN M. MAGARO
IRREVOCABLE TRUST
dated January 15, 1997
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THE
SUSAN M. MAGARO
FAMILY IRREVOCABLE TRUST
f'f.~rfj GGilYlti - 0GC~~f:ient St.3lliF
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David I Ha-3ee, Rel::0T;-j~f"'
Date 08/24/2(jOO Ti~~~ lG;5i}; L9 1 Dr } 1 p~:
No: ~0QO-00027091 GEN 8eok i291 rase 120
THIS TRUST AGREEMENT is executed in triplicate on this \'C)-~ h..
day of r-yC'I'\\/_"--'---., , 1997, by and between SUSAN M. MAGARO, now Ofl
Chester Road;J East pennsboro Township, Cumberland County,
Pennsylvania (herein called "Settlor"), and ANTHONY R.MAGARO, now
of 106 pine Hill Road, East pennsboro Township, Cumberland County,
Pennsylvania (herein called "Trustee").
ARTICLE I. TRUST ESTATE
1.01. Initial Principal. Settlor, desiring to establish
an irrevocable trust, does hereby irrevocably transfer, assign and
deliver to the Trustee, and his successors and assigns, the assets
listed on Schedule "A" attached hereto and made a part hereof. As
further evidence of such assignment, Settlor has executed or will
execute or cause to be executed such other instruments as may be
required for the purpose of completing the assignment or transfer
of title to such property to the Trustee. The Trustee accepts such
transfer and assignment to himself as Trustee, and the Trustee
undertakes to hold, manage, invest and reinvest the assets of this
Trust and to distribute the income and principal of the Trust in
accordance with the provisions of this Agreement.
1.02. Additional Principal. Settlor and any other
person(s), with the consent of the Trustee, shall have the right at
any time to make additions to the corpus of this Trust or any share
thereof hereby established. All such additions shall be held,
governed and distributed by the Trustee in accordance with the
terms and conditions of this Agreement.
ARTICLE II. IRREVOCABILITY OF TRUST
2.01. Irrevocabili ty. Settlor has been advised of the
consequences of an irrevocable trust and hereby declares that this
Trust shall be irrevocable and shall not be altered, amended,
revoked or terminated by Settlor or any other person(s) .
~~TICLE III. TRUST DISTRIBUTIONS
3.01. Trust Principal. The entire corpus of this Trust,
including the assets initially transferred to this Trust,
subsequent additions to this Trust and the proceeds of any sale,
exchange or investment of such Trust assets, shall be used for the
purposes herein contained.
3.02. Distributions During Settlor's Lifetime. During
Settlor'S lifetime, the Trustee shall distribute all of the net
income of the Trust to, or for the benefit of, Settlor. The
Trustee shall make no distributions of principal to, or for the
benefit of, Settlor.
bOOK 68<<1 I".. ,/.)d
t t.. 0,.. i_i__ V
Date 08/24/2000 Ti~e 10=50:19 2 of 11 Pss
No: 2000-00021(!91 ~JEr~ BDG~~ 1291 P3se 111
3.03. General Power of Appointment. Settlor's child,
ANTHONY R. MAGARO, is hereby granted the general power to appoint
some or all of the principal of this Trust to himself, his estate,
his creditors or the creditors of his estate, in such proportions
and upon such terms (in trust, outright gifts or in any other
manner) as he deems advisable. This power shall not be exercisable
under his will. If Settlor's child fails, either in whole or in
part, to exercise the general power of appointment herein granted,
then the unappointed principal shall continue in trust and shall be
administered according to the terms of this Trust.
3.04. Termination and Distribution. The Trust shall
terminate upon Settlor's death. Upon termination, the remaining
trust estate shall be distributed in fee simple to Settlor's son,
ANTHONY R. MAGARO, or his surviving issue, per stirpes.
ARTICLE IV. POWERS OF TRUSTEE
4.01. General Powers. In addition to such other powers
and duties as may have been granted elsewhere in this Trust or by
law, but subject to any limitations contained elsewhere in this
Trust, the Trustee shall have the following powers and duties:
(A) In the management, care and disposition of this Trust,
the Trustee shall have the power to do all things and to execute
such deeds, instruments and other documents as may be deemed
necessary and proper, inCluding the fOllowing powers, all of which
may be exercised without order of or report to any court:
(1) To sell, exchange or otherwise dispose of any
property, real, personal or mixed, wheresoever located,
at any time held or acquired hereunder, at public or
private sale, for cash or on terms as may be determined
by the Trustee, without advertisement, including the
right to lease for any term notwithstanding the periOd of
the Trust, and to grant options, including an option for
a period beyond the duration of the Trust.
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(2) To invest all monies in such stocks, bonds,
securities, investment companies or trust shares,
mortgages, notes, choses in action, real estate,
improvements thereon, and other property as the Trustee
may deem bes t, wi thou t regard to any law now or hereaf ter
in force limiting investments of fiduciaries.
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(3) To retain for investment any property deposited
with the Trustee hereunder.
(4) To vote in person or by proxy any corporate
stock or other security and to agree to or take any other
action in regard to any reorganization, merger,
consolidation, liquidation, bankruptcy or other procedure
2
BOQK {)8.i ~i_ :~3U
D.;te G8!24/2rJQO Time IO;50~ 9 3 of 11 p~.~
No: 2vjO-00027091 GEN B(~k 2~1 P~3e 122
or proceedings affecting any stock, bond, note or other
security held by this Trust.
(5) To use lawyers, real estate brokers,
accountants and any other agents if such employment is
deemed necessary or desirable, and to pay reasonable
compensation for their services.
(6) To compromise, settle or adjust any claim or
demand by or against the Trust and to agree to any
rescission or modification of any contract or agreement
affecting the Trust.
(7) To renew any indebtedness, as well as to borrow
money, and to secure the same by mortgaging, pledging or
conveying any property of the Trust, including the power
to borrow from the Trustee (in the Trustee's individual
capacity) at a reasonable rate of interest.
(8) To retain and carry on any business in which
the Trust may acquire any interest, to acquire addi tional
interests in any such business, to agree to the
liquidation in kind of any corporation in which the Trust
may have any interest and to carryon the business
thereof, to join with other owners in adopting any form
of management for any business or property in which the
Trust may have an interest, to become or remain a
partner, general or limited, in regard to any such
business or property and to hold the stock or other
securities as an investment, and to employ agents and
confer on them authority to manage and operate the
business, property or corporation without liability for
the acts of any such agent for any loss, liability or
indebtedness of such business if the management is
selected or retained with reasonable care.
(9) To register any stock, bond or other security
in the name of a nominee without the addition of words
indicating that such security is held in a fiduciary
capacity, but accurate records shall be maintained
showing tha t the stock, bond or other s ecur i ty is a trus t
asset, and the Trustee shall be responsible for the acts
of the nominee.
(B) Whenever the Trustee is directed to distribute any trust
principal in fee simple to a person who is then under twenty~one
(21) years of age, the Trustee shall be authorized to hold such
property in trust for such person until he becomes twenty-one (21)
years of age, and in the meantime the Trustee shall use such part
of the income and principal of the trust as the Trustee may deem
necessary to provide for the proper support and education of such
person in the standard of living to which he has become accustomed.
3
BOOK 68-1 rLL ;..;31
Date iJ8l24l200i'J Tim2 10;50: 9 4 of 11 pg:
ND; 2000-00027091 GfN Bc~k 291 Pa~2 12J
'erS0n should die before becoming twenty-one (21) years of
:)n::perty then remaining in trust shall be distributed to
)~al representative of such person's estate.
In making distributions from the Trust to or for the
, ;, ClY minor or other person under a legal disability, the
)2ed not require the appointment of a guardian, but shall
:ized to payor deliver the distribution to the custodian
}2r~On, to payor deliver the distribution to such person
che intervention of a guardian, to payor deliver the
:.Lon to the legal guardian of such person if a guardian has
JeeD appointed, or to use the distribution for the benefit
)erson.
In the distribution of the Trust and any division into
trusts and shares, the Trustee shall be authorized to make
ribution and division in money or in kind or in both,
:"3 of the basis for income tax purposes of any property
i:.2d or divided in kind, and the distribution and division
the values established by the Trustee shall be binding and
l~ on all persons taking hereunder. The Trustee may in
:.i:h distribution or division allot undivided interests in
property to several trusts or shares~
The Trustee shall have discretion to determine whether
(mId be charged or credited to income or principal or
1 between income and principal as the Trus tee may deem
.:;! and fair under all the circumstances, including the power
ize or fail to amortize any part or all of any premium or
I to treat any part or all of the profit resulting from the
or sale of any asset, whether purchased at a premium or at
,lt, as income or principal or apportion the same between
ld principal, to apportion the sales price of any asset
income and principal, to treat any dividend or other
:.ion on any investment as income or principal or to
:1 the same between income or principal, to charge any
a!]ainst income or principal or apportion the same, and to
or fail to provide a reasonable reserve against
~ion or obsolescence on any asset subject to depreciation
0scence, all as the Trustee may reasonably deem equitable
. under all of the circumstances.
ARTICLE V. SPENDTHRIFT PROVISION
1. General Provision. No beneficiary shall have the
anticipate, encumber or transfer his interest in the trust
_.1 any manner other than by the valid exercise of a power of
.ant. No part of the trust estate shall be liable for or
wi th any debts, contracts, liabi Ii ties or torts of a
,ary or subject to seizure or other process by any creditor
eficiary.
4
BOOK Gtl-l t'f,o:' ~32
Date 08/24/2000 Time lu~5v: 9 5 Df .Ii Fs~
No: 20QO-<}{j()27091 GEH BfjQ~~ 291 P.jse 124
ARTICLE VI. CONSTRUCTION OF TRUST
6.01. Choice of Law. This Trust shall be administered and
interpreted in accordance with the laws of the Commonwealth of
Pennsylvania.
6.02. Code. Unless otherwise stated, all references in
this Trust to section and chapter numbers are to those of the
Internal Revenue Code of 1986, as amended, or corresponding
provisions of any subsequent federal tax laws applicable to this
Trust.
6.03. Other Terms. Unless the context otherwise requires,
the use of one or more genders in the text includes all other
genders, and the use of either the singular or the plural in the
text includes both the singular and the plural.
6.04. Captions. The captions set forth in this Agreement
at the beginning of the various divisions hereof are for
convenience of reference only and shall not be deemed to define or
limit the provisions hereof or to affect in any way their
construction and application.
6.05. Situs of Trust. The Trust shall have its legal
situs in Cumberland County, Pennsylvania.
ARTICLE VII.
COMPENSATION OF TRUSTEE AND
APPOINTMENT OF SUCCESSOR TRUSTEE
7.01. Compensation. The Trustee shall receive as his
compensation for the services performed hereunder that sum of
money, based on an hourly charge or percentage rate, which the
Trustee normally and customarily charges for performing similar
services during the time in which he performs these services.
7.02. Removal or Resignation of Trustee. Settlor may
remove the Trustee at any time or times, with or without cause,
upon thirty (30) days written notice given to the Trustee. After
the Settlor's death, a majority of the current income beneficiaries
may remove the Trustee at any time or times, with or wi thout cause,
upon thirty (30) days written notice given to the Trustee. The
Trustee may resign at any time upon thirty (30) days written notice
given to Settlor or, after Settlor's death, upon thirty (30) days
written notice given to the current income beneficiaries. Upon the
removal or resignation of the Trustee, a successor trustee shall be
appointed in accordance with the terms set forth in Paragraph 7.03,
below.
7.03. APpointment of Successor Trustee. Upon the death,
resignation or incapacity of the Trustee, Settlor'S niece, NANCY
STAHLEY, is hereby appointed Successor Trustee hereunder. upon the
5
'"'v cu" ... ..)....23
BOur, oo.,t th.'~ ,_u
Date 08/24/2000 Time 10:50;19 6 oT 11 Pss
No: 2000-00021091 GEN B'JUK 1291 Page 125
death, resignation, removal or incapacity of the Trustee and
Successor Trustee, a successor trustee shall be appointed by
Settlor or, after Settlor's death, by a majority of the current
income beneficiaries. Any successor trustee thus appointed shall
be a financially sound and competent corporate trus tee. The
Successor Trustee and any further successor trustee shall succeed
to all the duties and powers, including discretionary powers,
herein granted to the Trustee.
ARTICLE VIII. PERPETUITIES CLAUSE
8.01. General Provision. Notwithstanding anything to the
contrary in this Trust, each disposition Settlor has made herein,
legal or equitable, to the extent it can be referred in its
postponement of becoming a vested interest to a duration measured
by some life or lives in being at the time of Settlor's death, is
definitely to vest in interest, although not necessarily in
possession, not later than twenty-one (21) years after such lives
(and any period of gestation involved), or to the extent it cannot
be referred in any such postponement to such lives, is to so vest
not later than twenty-one (21) years from the time of Settlor's
death.
ARTICLE IX.
PAYMENT OF TAXES, FUNERAL
EXPENSES AND EXPENSES OF ADMINISTRATION
9.01. Payment of Death Taxes and Other Estate Settlement
Costs. The Trustee shall ascertain from the legal representative
of Settlor's estate whether the legal representative has sufficient
assets to pay the remaining legacy, succession, inheritance,
transfer, estate and other death taxes or duties levied or assessed
against the Settlor's estate (including all interest and penalties
thereon), all of which taxes, interest and penalties are hereafter
referred to as the death taxes, interest and penalties. If the
legal representative advises the Trustee that insufficient funds
exist to pay all the death taxes, interest and penalties, the
Trustee shall then pay to the legal representative from the trust
property, an amount equal to all the death taxes, interest and
penalties in excess of the funds available to the legal
representative for these purposes, which payments are to be made
without apportionment.
If the personal representative of Settlor's estate, in such
his sole discretion, shall determine that appropriate assets of
Settlor's estate are not available in sufficient amount to pay (I)
Settlor's funeral expenses and (2) expenses of administering
Settlor's estate, the Trustee shall, upon the request of the
personal representative, contribute from the principal of the trust
estate the amount of such deficiency, and in connection with any
such action the Trustee shall rely upon the written statement of
the personal representative as to the validity and correctness of
6
BOOr. G81 r'L'- ~3~1
Date tt8!24!2000 Tillie IG~50:19 7 of 11 pgS
NG; 20'00-00027091 GfN Book 1291 P.;se 126
the amounts of any such expenses, and shall furnish funds to the
personal representative so as to enable him to discharge the same,
or to discharge any part or all thereof himself by making paYment
directly to the person entitled or claiming to be entitled to
receive paYment thereof. No consideration need be required by the
Trustee from the personal representative for any disbursement made
by the Trustee pursuant hereto, nor shall there be any obligation
upon the personal representative to repay to the Trustee any of the
funds disbursed by him hereunder, and all amounts disbursed by the
Trustee pursuant to the authority hereby conferred upon him shall
be disbursed without any right in or duty upon the Trustee to seek
or obtain contribution or reimbursement from any person or property
on account of such paYment. The Trustee shall not be responsible
for the application of any funds delivered by him to the personal
representative pursuant to the authority herein granted, nor shall
the Trustee be subj ect to liabili ty to any beneficiary hereunder on
account of any payment made by him pursuant to the provisions
hereof.
IN WITNESS WHEREOF, Settlor and Trustee have hereunto set
their hands and seals as of the day and year first written above.
WITNESS:
L ~i22
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SUSAN M. MAGARO U
(SEAL)
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF Q It ~ ~E-e.Lf+ 1J D
! /,/f I'
On this, the ~ day of l\ ct v 1997, before me, a
Notary Public, the undersigned officer, p sonally appeared SUSAN
M. MAGARO, known to me (or satisfactorily proven) to be the person
whose name is subscribed to the within Trust Agreement, and
acknowledged that she executed the same for the pUl~oses therein
contained.
55:
7
and officia. 1 seal'~~H.f.t.~'........
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. j.e ~. < I I{ e..--LQ /LL~."lj) G~~."-" "-1~~..~
, ~ ~;"~J.~~- 6o_e~,,-:.'1t,I/~o.~ JJ;'P.
.0 t a ry Pub II c !;!~t..'l' ~ - "';:,\.\ \;"~~
My Commission Expires :~F>i:%: . .~~~~.{~
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I Notarial Seai..... p,;..~w.~~;'\~t~~.t
I Janel C. Naclerio, NotarfPut'\1i2~~ l ~~;;/.,'
I Lemayne Bora, Cumberland CoUnty.......
l My Commission Expires April 19, 1999
t.,,1E;11DeL PennsylvantaAssOL.;C:iiioll of No[aries
IN WITNESS WHEREOF, I have
3~
BOD~, 681 t'p,,:' ~ J
Date 08/24/2000 ri~e 10;5v;19 g of 11 Pss
No: 2(:()O-i}f}i)27091 GEr~ HQ\'1K 1291 P:;32 127
The foregoing Trust Agreement was~elivered, and is hereby
accepted, at Lemoyne, Pennsylvania, on ....lGV!l>\A<'"'-'\ i'C) , 1997.
'-..J -
WITNESS:
1
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J1n! f"t~ ;I C
jI _ - /V V "\_. .
a~, ,..( Mr
ANTHONY R&7MAGARO, TRUSTEE
(SEAL)
8
F~UO~-;..'Ij,'''' .,,~.4""'.,-'
~ - \.;01 I r i.. r':'0b
PA REV-1500
SCHEDULE E
CASH, BANK DEPOSITS &
MISCELLANEOUS PERSONAL
PROPERTY
201l1-09-10G8:24
>> 1111319621
P5/8
PROPERTY DESCRIPTION
. .... ....... ,.
. .,~ ......--.1..... . . .
(A) Originsl Owner's Name
MAGARO SUSAN
(8) Original Owner'$ Addr86S as Reportad
MOUNTED ROUTE ENOLA PA 17025-0000
(C) Holder Reporting Funds
METLlFE INC DEMUTUALlZA TION (PA)
IE) Holder Address and Contact
OFFICE OF THE CORPORATE SECRETARY ONE MADIS
NEW YORK NY 10123
ABANDONED PROPERTY UNIT
(800)638-5852
(P) LllSI Transact/on Oat6
12115/2003
(f) Type of Funlb RClpOrted
MAGARO-SUSA-O
(0) Certlllcale. PoIiq or Check Number
Demutuallzation Cash
(H) Amount Reported
$16.80
La~:'J 'j. ,I,' \ ~f. '" ..s:.J.i!J.:arii 0ii'(C l! dJ -, ',-'" . " ' - , - .. ." ...... "'T. ". ~5'l,
'c' , .~- .. ru}'.,: ' ....:_,....,;
(A) Original Owner's Name (B) Ori\llnlll Owners Address as RClpOrted
MAGARO SUSAN MOUNTED ROUTE ENOLA PA 17025-0000
(e) Holder Reporting Funds (0) Lasl Tran$aClIon Dale
METLiFE iNC DEMUTUALiZATiON (pAj 04/05/2000
(E) Holder Address lInd Contact (F) T ypll of Funds Reported
OFFICE OF THE CORPORATE SECRETARY ONE MADIS MAGARO--SUSA-O
NEW YORK NY 10123 (G) Certificate, Policy or Check Number
ABANDONED PROPERTY UNIT Demutualization Stock
(800)638-5852 (H) Amoun\ Report&d $695.00
Total Shares Claimed
0.0000
Total Cash Claimed
$711.80
RETURN CLAIM FORM AND DOCUMENTATION TO:
Bureau of Unclaimed Property P.O. Box 1837, Harrisburg, PA 17105-1837
I Page 5
1000148661
8/23/2007
PA REV-1500
SCHEDULE G
INTER-VIVOS TRANSFERS and
MISCELLANEOUS NON-PROBATE
PROPERTY
~1bS
\ LP5c-~
DEE D
Tax Parcel No. 9-14-0834-224
THIS DEED is made the j-c:;~ day of :ro.II\U(A.~
nineteen hundred ninety-seven (1997).
, in the year
BETWEEN SUSAN M. MAGARO, a widow, now of 1 Chester Road, East
pennsboro Township, Cumberland County, Pennsylvania, party of the
first part, GRANTOR,
AND
ANTHONY R. MAGARO, Trus tee of the SUSAN M. MAGARO FAMILY
IRREVOCABLE TRUST dated '1""'a. V1 Vu...--- rc;- , 1997, now of 106 pine
Hill Road, East Pennsboro -'Township, Cumberland County,
Pennsylvania, party of the second part, GRANTEE. .
WITNESSETH, that said party of the first part, for and in
consideration of the sum of One Dollar ($1.00), lawful money of the
United States of America, well and truly paid by the said party of
the second part to the said party of the first part, at or before
the sealing and delivery of these presents, the receipt whereof is
hereby acknowledged, has hereby granted, bargained, sold, aliened,
enfeoffed, released, conveyed and confirmed, and by these presents
does grant, bargain, sell, alien, enfeoff, release, convey and
confirm unto the said party of the second part, his heirs,
successors and assigns, in fee simple,
ALL THAT CERTAIN piece or parcel of land situate in the Township of
East Pennsboro, County of Cumberland and State of Pennsylvania,
bounded and described as follows, to wit:
BEGINNING at a point in the southwest corner of the inLen,e(;L.lUIl or
Chester Avenue with a fifteen (15) feet wide alley; thence
westwardly along the southern line of said alley one hundred sixty-
seven and five-tenths (167.5) feet to the eastern line of another
fifteen feet wide alley; thence southwardly along the eastern line
of said alley ninety-five (95) feet to the line of Lot No. 10,
Section "A ", on the hereinafter mentioned plan of lots; thence
eas twardly along the line of said Lot No. 10, Section "A", one
hundred sixty-seven and five-tenths (167.5) feet to the western
line of Chester Avenue ninety-five (95) feet to a point, the place
of BEGINNING.
BEING Lots Nos. 8 and 9, Section "A", on the Plan of Lots of West
Enola, said plan being recorded in the Office for Recording of
Deeds in and for Cumberland County in Plan Book 1, Page 29.
BEING the same premises which Maude H. Brinton and Martin A.
Brinton, her husband, by their deed dated March 18, 1948, and
recorded in the Office of the Recorder of Deeds in and for
Cumberland County on March 31, 1948, in Deed Book 13-T, Page 312,
granted and conveyed unto Anthony P. Magaro and Susan M. Magaro,
BOO!': 152 PAGE 439
~~s
\lrS'6
DEE D
Tax Parcel No. 9-14-0834-224
THIS DEED is made the jt:; ~ day of ~ 0.11\ LlGl.~
nineteen hundred ninety-seven (1997).
, in the year
BETWEEN SUSAN M. MAGARO, a widow, now of 1 Chester Road, East
Pennsboro Township, Cumberland County, Pennsylvania, party of the
first part, GRANTOR,
AND
ANTHONY R. MAGARO, Trus tee of the SUSAN M. MAGARO FAMILY
IRREVOCABLE TRUST dated ~c, v1 vCl........--. {c:;- , 1997, now of 106 Pine
Hill Road, East pennsboro -'Township, Cumberland County,
Pennsylvania, party of the second part, GRANTEE.
WITNESSETH, that said party of the first part, for and in
consideration of the sum of One Dollar ($1.0Q), lawful money of the
United States of America, well and truly paid by the said party of
the second part to the said party of the first part, at or before
the sealing and delivery of these presents, the receipt whereof is
hereby acknowledged, has hereby granted, bargained, sold, aliened,
enfeoff ed, released, conveyed and confirmed, and by these presents
does grant, bargain, sell, alien, enfeoff, release, convey and
confirm unto the said party of the second part, his heirs,
successors and assigns, in fee simple,
ALL THAT CERTAIN piece or parcel of land situate in the TownShip of
East Pennsboro, County of Cumberland and State of Pennsylvania,
bounded and described as follows, to wit:
BEGINNING at a PO.Lllt in the southwest corner ot the intersection of
Chester Avenue with a fifteen (15) feet wide alley; thence
westwardly along the southern line of said alley one hundred sixty-
seven and five-tenths (167.5) feet to the eastern line of another
fifteen feet wide alley; thence southwardly along the eastern line
of said alley ninety-five (95) feet to the line of Lot No. 10,
Section "A", on the hereinafter mentioned plan of lots; thence
eastwardly along the line of said Lot No. 10, Section "A", one
hundred sixty-seven and five-tenths (167.5) feet to the western
line of Chester Avenue ninety-five (95) feet to a point, the place
of BEGINNING.
BEING Lots Nos. 8 and 9, Section "A", on the Plan of Lots of West
Enola, said plan being recorded in the Office for Recording of
Deeds in and for Cumberland County in Plan Book 1, Page 29.
BEING the same premises which Maude H. Brinton and Martin A.
Brinton, her husband, by their deed dated March 18, 1948, and
recorded in the Office of the Recorder of Deeds in and for
Cumberland County on March 31, 1948, in Deed Book 13-T, Page 312,
granted and conveyed unto Anthony P. Magaro and Susan M. Magaro,
f100~ 152 PAGE 439
his wife. Anthony P. Magaro passed away on July 27, 1958, thereby
vesting sole title to the premises in Susan M. Magaro, Grantor
herein.
EXCEPTING AND RESERVING THE FOLLOWING:
ALL THAT CERTAIN piece or parcel of land situate in East
Pennsboro Township, Cumberland County, Pennsylvania,
bounded and described as follows, to wit:
BEGINNING at a point on the northern line of Lot No.8,
Section "A", on the hereinafter mentioned plan of lots,
one hundred seventeen and five-tenths (117.5) feet west
of the western line of Chester Road, which point is also
on the southern line of a fifteen (is) foot alley; thence
westwardly along the northern line of Lot No.8, Section
"A", and the southern line of said fifteen (is) foot
alley, fifty (50) feet to a point on the southeast corner
of said fifteen (15) foot alley and a second fifteen (15)
foot alley; thence southwardly along the eastern line of
the second fifteen (15) foot alley ninety-five (95) feet
to a point on the northern line of Lot No. 10, Section
"A"; thence eas twardly along the northern line of Lot No.
10, Section "A", fifty (50) feet to a point; thence
northwardly, parallel with the eastern line of the second
fifteen (15) foot alley, ninety-five (95) feet to a
point, the place of BEGINNING.
BEING the western fifty (50) feet of Lots Nos. 8 and 9,
Section "A", on the Plan of West Enola, said plan being
recorded in the Office for the Recording of Deeds in and
for Cumberland County in Plan Book 1, Page 29.
HAVING THEREON ERECTED a three-story frame apartment
building known as No. 1 Chester Road rear.
BEING the same premises which Susan M. Magaro, widow, by
her deed dated April 9, 1970, and recorded in the Office
of the Recorder of Deeds Office in and for Cumberland
County on May 19, 1970, in Deed Book 23-Q, Page 210,
granted and conveyed unto Donald T. Orris and Elizabeth
L. Orris, his wife.
THIS is a transfer for nominal consideration to the trustee of an
ordinary trust where the transfer of the same property would be
exempt if the transfer was made directly from the Grantor to all of
the possible beneficiaries of the trust, whether or not such
beneficiaries are contingent or specifically named. The
beneficiaries under the Trust are the Grantor and her children and
grandchildren.
TOGETHER with all and singular the buildings and improvements,
ways, streets, alleys, driveways, passages, waters, watercourses,
rights, liberties, privileges, hereditaments and appurtenances,
BOOt( 152 rAGE 440
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whatsoever unto the hereby granted premises belonging, or in any
wise appertaining, and the reversions and remainders, rents, issues
and profits thereof; and all the estate, right, title, interest,
property, claim and demand whatsoever of the said Grantor, as well
at law as in equity, of, in and to the same.
TO HAVE AND TO HOLD the said lot or piece of ground above-
described, with all and singular the buildings and improvements
thereon erected, hereditaments and premises hereby granted, or
mentioned and intended so to be, with the appurtenances, unto the
said Grantee, his heirs and assigns, to and for the only proper use
and behoof of the said Grantee, his heirs and assigns forever.
AND the said Grantor, for herself, her heirs, executors and
administrators, does covenant, promise and agree, to and with the
said Grantee, his heirs and assigns, by these presents, that they,
the said Grantor and her heirs, all and singular the hereditaments
and premises hereby granted or mentioned and intended so to be,
wi th the appurtenances, unto the said Grantee, hi s heirs and
assigns, against them, the said Grantor and her heirs, and against
all and every person and persons whomsoever lawfully claiming or to
claim the same or any part thereof, by, from or under him, her,
them or any of them, shall and will, subj ect as aforesaid,
SPECIALLY WARRANT AND FOREVER DEFEND.
IN WITNESS WHEREOF, the said party of the first part has hereunto
set her hand and seal, the day and year first written above.
SIGNED, SEALED AND DELIVERED
IN THE PRESENCE OF
(JIi//1 l' f. 7J,jJ2 -
A.k..,a-n /;7 _ mt?4@E
SUSAN M. MAGARg'
(SEAL)
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF du m6f.-eUJtJ ()
A ..............
On this, the / $I day of J {!/ /Uf CJ ,r y-. ' 1997, before me,
a Notary Public for the Commonwealth of Pennsylvanla, the
undersigned officer, personally appeared SUSAN M. MAGARO, known to
me (or satisfactorily proven) to be the person whose name is
subscribed to the within instrument, and acknowledged that she
executed the same for the purpose therein contained.
ss:
BUO~' 152 P~GE 441
hand and nO.Jarial seal... ,.t..~JlfI ..'
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tary Pu llc ::-:~ii.J.'~;;;.;1-~~\ V' ~
My Commission Expires: ::' !f;~"'~ 'f.,~:: ~
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Janel C. Naclerio, Notary Public I~ ....0.. >.....,,\,' .
Lemoyne Bora, Cumberland County'" \' __ .,.,.
~y ~ommission ExpfresA.pnl 19. 19,,0 "~!!~~~r:;.~
M"moer, Pennsylvania fl"sn,::ic.::;:;" __. I',. fa. I"f-"
IN WITNESS WHEREOF, I have set
COMMONWEALTH OF PENNSYLVANIA :
S5:
COUNTY OF CUMBERLAND
RECORDED in the Office for Recording of Deeds etc., in and
for said County, in Deed Book No.
WITNESS my hand and official seal
, 1997.
day of
CERTIFICATE OF RESIDENCE
I hereby certify that the present residence of the Grantee herein
is as follows:
Anthony R. Maqaro, Trustee
106 pine Hill Road
East pennsboro Twp., Pennsylvania
RETURN DEED TO:
The Susan M. Maqaro Family Irrevocable Trust
c/o Anthony R. Magaro, Trustee
P.O. Box 61
Enola, PA 17025
71'(//1, ~( .Ik ~
Attorney for Grantee ~
)~
c-'-;np.Sy!\lsnia 1 sr,
',' ':umberli:!nd. d' of Oee~s
-' " ,. _,;' C'" tor tne recor log
--, "'1''' "\T! '"
":'.'i~ '-.:~~f(ibarland count'Vtr~.
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" ,'~',;; (, L day of ,
. '0 t,~ 11....
, (!
- ,19, - 7' RM: rder-(,aJ::' '---'
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BOOt( 152 PAGE 442
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NO. 2502-0265 '11
A. B. TYPE OF LOAN:
U.!::. DE?ARTiotE'rrr OF HOUSING & URBAN DEVELOPMENT 1.QFH/\ 2.0FrnHA 3.0CONV. UN1NS. 4-OVA 5.00CONV./NS.
6. FILE NUMBER: 17. WAN NUMBER:
SETTLEMENT STATEMENT P-06025 0001125836
8. MORTGAGE INS CASE NUMBER:
C. NOTE: This form is furnished to g;\/lI you a statement of acws/ seltlement costs. Amounts paid to and by the se/IJement agent are shown.
Items marked 7POCr we", paid outside the closing; they am shown here tor informationat purposes and are not included in the totals.
'.0 - (P-06Q2S.PFOIP.OOO?5124)
D. NAME AND ADDRESS OF BORROWER: E. NAME AND ADDRESS OF SELLER: F. NAME AND ADDRESS OF lENDER:
BRIAN M. FLORY ANTHONY R. MAGARO CONCORDEACCEPTANCE CORP.
245 Seneca Street 1 Chester Road 7929 BrookriverDrive, #500
Harrisburg, PA 17108 Enola, PA 17025 Oallas, TX 75247
G. PROPERTY LOCATION: H. SETTLEMENT AGENT: 25-1722090 L SETTLEMENT DATE:
1 Chester Road Barristers Land Abstract Co.
Enola, PA 17025 April 28, 2006
Cumberland County, Pennsylvania PLACE OF SETTLEMENT
Township of East Pennsboro 3310 Markel Street
Camp Hili, PA 17011
J. SUMMARY OF BORROWER'S TRANSACTION K. SUMMARY OF SELLER'S TRANSACTION
100. GROSS AMOUNT DUE FROM BORROWER: 400. GROSS AMOUNT OUE TO SELLER:
101. Contract Sales Price 91,946.00 401. Contract Sales Price 91,946.00
102. Personal prooertv 402. Personal Prooortv
103. Selllement Charnes to Borrower Line 1400 6003.45 403.
104. 404.
105. 405.
Adiustments For Items Paid By SeDer in advance Atfustments For Items Peid By Seller in advance
106. CIl. Texes 10 406. Citv Taxes to
107. Counlv Taxes 04/28t06 to 01/01/07 185.41 407. CounlvTaxes 04/28106 to 01/01/07 185.41
10B. School TaxAS 04/28/06 to 07/01106 177.97 408. School Taxes 04/28/06 to 07/01106 177.97
109. Sewer 04/28106 to 07101106 48.18 409. Sewer 04/28106 to 07/01/06 48.18
110. 410. -.--
111. 4'ii.
112. 412.
120. GROSS AMOUNT DUE FROM BORROWER 98,361.01 420. GROSS AMOUNT DUE TO SELLER 9<1,357,56
200. AMOUNTS PAID BY OR IN BEHALF OF BORROWER: 500. REDUCTIONS IN AMOUNT DUE TO SELLER:
201. Deoosit or earnest moo"" 501. Excess DeDostt (See Instructions)
202. Prlncioal Amount of New Loan s 91 946.00 502. Settlemenl Charges to Seller <Line 1400\ 4,271.72
203. Existioo loanlsllaken subiecllo 503. Existino !oanls laken subiect to
204. 504. Payoff of first Mortgage to PNC Bank 82,569.08
205. 505. POVoff of second Morleaee
206. 506.
207. 507.
208. 508.
209. Seller Assist 5.516.76 509. Seiler Assist 5,516.76
Ad.'ustments For Items Unpaid By Seller Ad;ustments For llems Unosid By Seller
210. City Taxes 10 510. ciiV Taxes 10
211. Countv Taxes to 511. Counlv Taxes 10
212. ~r:hnnl TAYA~ .. 51<'. ~cnool I axes to
213. 513. ,.
214. 514.
215. 515.
216. 516.
217. 517. I
218. 510.
219. 519.
220. TOTAL PAID BYIFOR BORROWER 97,462.76 520. TOTAL REDUCTION AMOUNT DUE SELLER 92,357.56
300. CASH AT SETTLEMENT FROMITO BORROWER: 600. CASH AT SETTLEMENT TO/FROM SELLER:
301. Gross Amount Due From BorrowerlLine 120\ 98,361.01 601. Gross Amounl Due To Seller IUne 420\ 92357.56
302. Less Amount Paid BvlFor Borrower (Une 220) ( 97,462.76) 602. Less Reductions Due Seller (Line 520) ( 92,357.56
303. CASH ( X FROM) ( TO) BORROWER 898.25 603. CASH ( TO)( FROM) SELLER 0.00
OMB
A'o.
The undersigned hereby acknowledge receipt of a completed copy of pages 1 &2 of this statemenl & any attachments referred to IIerein.
'-' ~'l&~
BRIAN M. FLORY
Seller <<:~~~~
ANTHO Y . ;<>,GARO
L SETTLEMENT CHARGES
700. TOTAL COMMISSION Based on Price $ (jj) % PAIOFROIvi PAIU fHOM
Division of Commission. line 700) as Follows: BORROWER'S SELLER'S
701. $ to HOWARD HANNA REAL ESTATES SERVICES ~
Fl1NOSAr FUNDS AT
702. $ to SE'ITLEMENT SETnEMENT
703. Commission Paid at Solllemant
704. to
800. ITEMS PAYABLE IN CONNECTION WITH LOAN
801. Loan OnoinaUon Fee 3.0453 % 10 CONCOROE ACCEPTANCE CORP. 2,800.00
802. Loan Oi.counl % to
803. Apprai.al Fee 10 Don Paul Shearer A5sociates $350.00 POC B
804. Credit Reporl to
805. Lender's Inspection Fee 10 CONCOROEACCEPTANCE CORP.
806. Administralion lee la CONCORDE ACCEPTANCE CORP. 1,025.00
807. Assumption Fee la CONCORDEACCEPTANCE CORP.
808. Document Prep.Fee
809.
810.
811.
900. ITEMS REQUIRED BY LENDER TO BE PAlO IN ADVANCE
901.lnteresl from 04128106 10 05101106 @ $ 22.603392/day ( 3 days %) 67.81
902. Mortgage Insurance Premium for months 10
903. Hazard Insurance Premium for '1.0 vears 10 Enders Insurance Assoc 388.00 OOC
904.
905.
1000. RESERVES DEPOSITED WITH LENDER
1001. Hazard Insurance months $ oer month
1002. Mortgaoe Insurance months ~ $ oer monlh
1003. City Ta><es months S per month
1004. County Taxes months $ D'" monlh
10m; SchoolT axes monll.s @ $ per month
1006. months !ill $ per month
1007. months @ $ pAr month
1008. Aoareaate Adiustment months !ill $ rer month
1100. TITLE CHARGES
1101. Settlement or Closino Fee to
1102. Abslracl or liUe Search to ~
""'("1"\ 'T,..... . ,- to
,.......- 'lilt: cxillfllnHllon
1104. Title Insurance Binder to
1105. Document PreoaratiOn 10 .
1106. Notary Fees 10 Joyce Ehrich 25.00 10.00
1107. Attorney's Fees to Gales, Halbruner & Hatcll, P.C. 1,845.98
(inclUdes abov9 item numb8rs: )
1108. nle Insurance 10 Ba[risters Land Abstract Co. re-issue 729.68
(includ9s above it"'" numbers:
1109. Lender'. Coverage $ 91,946.00
1110. Owner's Coverag9 $ 91,946.00
1111. Ends. 100,300,8.1,710 to Banisters Land Abstract Co. 200.00
1112. Deed Preparation Barristers Land Abslracl Co.
1113. Overnight 10 Barristers Land Abstract Co. pkgJpayoff 15.50 15.50
1114. Closing Prolectlon LelIeI to Commonwealth Land Tdle Insurance Company 35.00
1115. Electronic DocumenlTrans. 10 Barristers Land Abstract Co. 35.00
1116. 2005 Delinquent Taxes 10 Cumberland County Tall Claim Bureau 1,166.90
1117. 2006 CounlyfT owns hip Taxes to Debbie lupoid, Treasurer ~7? RR
-
~11{~. TiCi&n O!N'OilOu..ool.3Qi06 \0 t::.asl Vennsboro lown.hip 31.00
1200. GOVERNMENT RECORDING AND TRANSFER CHARGES
1201. Recording Fees: Deed $ 38.50; Mortgage $ 66.50; Releases S 105.00
1202. C~v/Countv Tax/Stamps: Deed 919.46' Mortoaoe 919.46
1203. Slale TilxfSlamps: Deed 919.46; MortDaDe 919.46
1204. Recorder 01 Deeds
1200.
1300. ADDrTlONAL SETTLEMENT CHARGES
1301. Survey to
1302. Pest Insoeclion to
1303. Pavoff Fee to Barristers Land Abslract Co. 40.00
1304. Wire Fee to Barristers land Abstract Co. 15.00
1305 Tax Cert. 10 Barristers Land Abstract Co. 1.00
1400. TOTAL SETTLEMENT CHARGES (Enlaron Linas 103, Section J and 502, Section Kl ./) 6,003.45 4,271.72
By Ji9f1lng page 1 ollhis slalemenl. the signalorieJ acknowtoOge receipt of If, CQlnp\6\ed copy of pagR 2 01 Ulill: two pDge slafml8nl " .'7 , //
jk~
page 2
( P-Cl60251 P-00025/24 )
PA REV-1500
SCHEDULE H
FUNERAL EXPENSES and
ADMINISTRATIVE COSTS
I\.U~ I.-V V, I V.V",""CA
,.... .
[Richardson guneral rJiome, dnc.
29 SOUTH ENOLA DRIVE
ENOLA. P." 171125
17l71'1:J2.Oii6'7
MlCHAEL G. MURRA Y
STATEMENT OF FUNERAL GOODS AND SERVICES SELECTED SUPERVISOR
Ch:Jrses a~ only fo, thost items tbal you .eJected or mat _ RqoiJcd. If we are ",qulred by 11lW or by a celOeln} or cr<m:llory to ...c any items. ,.-.: will
explain In wririog bdow.
If fOO sel<<te.J . funet:lltb:u may req.ire onb2lmlng. web", a funenllllltb mwing. JOu m:lY mye 10 p'Y for rmtmrniog. Yoa do nO( baYe to pay for embalming
you did Ollt approve If}'<lu sdeaed ~1llS _11 as a direct tmIIXlion or immedl:uc burl.1. If we chxrgc:d for emb2&ninc. ..-e will i:J<PIxIn wby below.
For the: Ser.jce of .s <..;:, ......" -7'-'7. ,P> ~ y ~ r c:> Date of Ikath J <. it 1" I ~ ",.0 ~
Cbat'g<:"" /V"" Ql1k, tJ<>~ ~,./. fA 7C.~G ~
N. Address State
It.. CHARGE FO. SIllVICJ!S SEl.ECTI!D,
L PROTE5S.IONAl. SI:llVICIiS /'1:25, <I
kNicc:s of FUIlCnl Di,worfSt:lft . . .. $ _ ' "
Emb:llnllng . .. .. . _ . ... .. .. ... .... $.il.I:. "J
Ol~r prtporallon of bod)' J.
g:r:>.-,~~ r;;:"T'~]
aJ .A.~~ . ~... _
. ... ... .... ... .~.. . -'" I~~
SUJI. TOT AI. OP PROFESSIONAL SERV'CES.
2. FAClLrnES !.NO SERVICES
Use of bclli:ies :IDd servlcc:s fDr
vieWIng (Vi.il2lionlWake). . . . . . . . . $_
Use of r:.d1iIies Xlld .elYka
for funcnl cercmony "'" .... _.. ,_
Use of ladlilies 2nd sc:rvicc:s [or
M<:morialSenice .............. ,_
1Jsc 01 cquipmelll and """ice>
lor ~r:lvesidc stn'io: .
Othe, UM: of f~litlts
(' I( t- /c;Sj Serv'<-~'"
'-
'-
..'-
CrclII'llioo 1U'D . . . . . . . .
(Descriptioo)
011lER
I-
I-
,-
oo . .. .. . .. .. .. . . B $_
AI 1;)0 Y.j.'G>O
- TOTAL MnCHANDISE SEUCl1!D.
Co SPECIAL CHARGES:
Forwarding or r~2iD5 10
'-
(FDne~ Home)
Rccrivilll! of mn2lns from
'-
,-
IFunenl Home)
lalmcdial. B"ri.1 . . . oo . . . . .. . .
Dir<a Cremation. . .. . .. . . .. . .
1-
'-
S_
SUB-TOTAL or SPEOio.L CHAI.GES ............
.> D. CASH ADVANCED
... ....... ........_....... $.1'7'<," OptniagGrave.... .............. s/c)(J' oJ":>
SUlHOTAL or F!.OLITIESIEQUIPYI!NT . . . .. . .. .. . A2 ~.Q" Cenomry l'A1ulpment .......... ..'_
}.AmOMOTlVEEQUIPNENI ~'::s~~~~'::::::.:: :~
VdJjc!<: 10 b2r1Sfer rema,," 10 Funeral Home. Newspaper NotlC:CS--OUI-of.lown S
L0C2I. . . __ __ oo.......... _ ..... w;l S. "C'/ Telepbonc &: Telegmos .......::: '=:=-
HulSt (<::uket Co~<ll) .. . 1 '" &; ~'. ,.;>:> Airfm: ..... ............. __ .... S
Local. ClerllylMm OfferiJIll_ . .... . . .. . . S/tlC... -
timOlll\lne Pallbarcrs . . . . . . . . . . . . . . . . . . . . .. S
Local. . . .'" ,_ Certified Copies 0( the Deatb -
Family cat CertJtlnlC ...................... ,_
Lou!. ...... 1_ Police E5<on ...... _........ __... 1_
Flcw<:rcaror na~d;.positlon Flowcrs .................... _... '_
loc:II............... $_ Vault ServitcChxrge.. ...... s_
Lad arfclcrgr car '\ ,./ .>,,.1) ::,.,L l-Z..L:...::::.~';
LoCli.. .. ... ..... '_ ,_
Car for p:lilb.,.rel> 1_
locd.. ............. '_ ,-
Out of t<lWn trallSJlll(l.tiOn .. .. . .. .. '_ I-
._ '-
'_ SUB.TOTAl. OF ADVANCES.. .. . . . . .
SOB-TOTAL or !.urOMOTlVE EQVIPMENT.. . .. A3 . -;1) () ,o"'We chars' yoo for our services in obtaining:
TOTAl. OF PROFESSIONAL SERVICES, (specJfy cam a4J!4nM 11Hz! ""c m<ri:m'IIp)
fAClUnES AND AutOMOTIVE
EQlI1PME~ ... .. . .. .. . __. ......
..C'_
r.) )
Q"-JO>
...D'~
..AJ~.t.')'\
B. CHARGE 1'Oa NI!ItCIlAND~$l! SELl!CrEf), .
~Q."e.., / --<-- ,/~;ff.""
C:lsk~tJz: ....,.. ... ./}....... _
(De!;a.~on) CL" /- <-'</,,,.00"'- . .
.....(~.... oq.~,.c ,.,~r<;;.r
Olher R we. '._ ..... ........_
(Descriplion)
O t ,-' I c,la- er':"'u A 1 .r~ I" 700. .H'
11 tr vwlla ID ~.i:i.-; ,,......... t.
fDescription) ...l. () .. /.. - 6....~."./.lI< '/
--;r;;..- -' ,. _ - /
AckIIo",kdgemenl cards ...... . . . ,_
R~'c' b<>ot(~) . - . . . . . - . . IJ77'-
Mcrn0l'1 roi(lrn ..... .... - .. .' ...~
J>rarer C2J'ds .. . .. ._
Temporary gl':J.ve markn . .. '_
Bum) dotbing _ .. '_
SUMMARY OF CHARGES
A. Professional 5erYIcrs, PodIldcs and
Equipment. md .~ulol\)(l(i...,
B. :u=~:::::::::::::::::::: :7;9.;::.,:
c. S~Cha'1les ...... ..........1_ _"
O. Cash AcMnttS........ ......oo.. ....u.s:, tJ v C....-3.J
TOTAl. or AU. SECrJONS... . .C/~ -v... , ,...S'y.~. sLL .1- ()r
PAlD .lT TIME OP RR ~R Tq. _ .Fe. .. (, .
AUANGI!Ml!NTS,r.:"l..... :. .7/.IJ./Y .'t. . _ ... . . . .. $<.~'I.~l.(1G1
BAlANCE DUE. _ . .. .. .., -(~-i.';o:.'O ./3 ),s-: .. ... S5S-";>.~. C' '
~N FOR. IlMJlALMII'fG /' /JJt~~.:F..11 - I>
......... ,'Ii /~_t.""~../f"'. ,1J<tlatf -
If aD)' bw. ceme <y. or C lOry reqniremenu h:lVC n:qo;;red the pwcbase
of any of the: it<m~ IiSlcd above the' 12,.. or requi,cmeru is ~Iaincd below
ce ~e;'/'<~7 /.'jP.....v''''''"' 6are",/ C"'.",/(;.?e.....
I .gree Ib:It I h. ve ex>mined the ilems of good5 and service. selected above and found them 10 be correct and :aa:onIing 10 lhe arnugonaus' have reqle5lCd. ( admo...lcdge
1tC(ip! of. COJ1T or rhls Sa:lt<:menr of Funenl Goads and Scrvitts Srkrud. .1 r~t IbJ I In.. oufficIrlll [unds ;m~b!e for fl'IYIIlClU 0( ~ casb prior for tbe 8O"ds
'00 S<rYicrs 5Ckmd.lllsoagree lotn:lke p21~1Il of J /' 1i/ub,. L doys.) agree 10 be 1.....ly and l<:...-xflylSlble...i1I.....yoncd.c who
signs bclo.... .\ luc cba~e 01 _ - per month :uuountlnl 10 _ - per yar will be ~1Icd to lbe 'Inpaid b:abnct b~ _ d.!.
from tho due of tlUs agreClll<:Dt. r wm also PlY '0 the FUlle",1 Dlrcclor.1 ~e COSlS poid by die fttnr:r1l Diia:tor 10 colkct amounts I OWe unde, lbi5 .gn:ernau
Th~ cnsu mxy iDclude xtlomt)'s' fees. court tOSlS lnd or~ casts. Any a<lditi0021 ,",;as or llICrchandisc ordered 0' requested aftc' the da\~uf tbI. '8rtcmml will
be: ~d~ put of IlJi> ~ the co:ll lhereof will be rclkctel1 on the final bill 0' 51:arallOl'. .
(Soil' ~:T\(\\.\J ~~D\(j,~ :0" ~
(hre,) - _,~ (e)
(Sol) ~- ~ ~
(PurelJ25e'f (UteJlS<:d Fwraal
() r.rn.Jrlvanl~ rune..,! OIrCCC<<J AI6OCIatJOO WHITE fUf\Cf'ti rnU:~lur YE!LLO~ I"
form - 600 ReVL.cd 4/94
....l...Ut
I"..L I L.:J.L.tJ.LL.Y-
lUNNl At::::'
PAGE 03
fndo3
n-End Mortgage
Is Opl!"",End Mortgage Secure3 Obligatory Future Advence.9)
Vo--o3-o V?/-()/~~~ 9..1 7
tJ!.t
OtIACS NlUllinIr ~
o PNCBAN<
THIS MORTGA~ is mode on OtttlllZClllZ . TIll MarIpp is armtONl II UAGARD. mTEE OfSUfAN M MACARD FAMILY. Ir.cv Trt
If dlers is man tInn lIllI. tba ward "MonpQor" !.-GiIl.5 tG lI8Ch and 81111f them. The Muno..I!I PIC hill. Iatlonal Auadatioll.
The word 'Borrower" mew. AN'J1tOllY R MAGAlO .
If there is ~r8 1h8n 0'" rbI word -8Drmwer' heteill re1Irs to 88th and aI of thlm.
Mortt8l11 hllll grwrtetl to 8urrowwr II homt RqIIity w.8Nll/e rate rme of crtdit pro'Iid~ fur i Muilllll1\ Cr!lllt Limit It/llf is. a rrmtlllllJm al1llll:fllof indRIIt!ednassl at
lIigtltr flYlt tt1DUJalId dDlln end zn cenu (U.s.. S 8&,ODO.CO :.
ul1ller tl18 firms of 8lltr11Wt1r't ...ritttIt IlgfItlnII'It {referrBd 1lt I1ef8m IS tIIlI . Aar"rwrt"). dzlted ItI%9/2OOt . Marttll1M ia ~ll,. undllr tllfIl'lS ~.8trorth hl tl1e AIIf8ll!IWIIt. 111
mab fuMe alfvBttteS llurillD 111II DI1IW PIriad ,Of thlI.ACCGUIIt. whlcllendi.lI!1 thllut d8v Df 1IIB memtlly IiBinu Cydl in whir:h dMI dIrv.. ~J fmn tllll1lJlrilO 01 ths
I\Q;III/Ilf Dean. MDnv.. i~ not obllpted to IIIllllI ..... ." Wl\IJ. ~ 1he prillcpsl bal.lH:, outst...... to IlXl:8lld tll8 Maximum Credit Limit. tIIIlS'moot obligltBd 10 meIaI
edvemts tftor the Aee.1Il1t is tarmiRallHl Of lblJlg an., pulDd wilen ftlnh8r txllnlionl Dr ere. _ prohlflil8d Of t1lIlJendtd 8& ~ In 1"~. By till AIZf8IlI'I9I1t. 80rl1lW9r
ha$ avrUll to Iepay 1118 llIhPtlm 1n ....mbIy iDJtllmlnu. witll ifl8tllt 1bI tImIs of h A.glllGlll8l\t Bilow lor chqes iI the _l'8St 'lite and t1J8 montllIy payrMlIt.
Thi& MottO. SteInS to Mortpplr. lal thll'8Jlaym&lIt of tha dsbt.wJanc:ad ... tlta AgrnmilIlt witII inllFlSt 8Ild otI$r clJIrOU as providad lf1eTIin: (hi tfIa pavtt1DIlt of ,R 01'*
SlmI, with intlImt tbereoII. sdv8IlC8d hllreuIlIW lor iha paymIItt uf flDS, assatS1/lIRU. msinnnnca ettarvu. InsurllllCll Pl811l!tlrm end ~ illCllm1l to prot8tt tlll SlCU,ity of this
Mottqege; (~ the peVlM'\tt of &II wf MortgB\1l11'S eosu ll1. tlllllcriDn. inIlllllina COltS IJf suit SIIlI, if \IIfd1Id by Isw, rt8lOl1IID IlttIIm8yS' fees 8Ild UIIBISUo it suit Is filM or othet
attllm is tJbn tIl collatt the all1llt evM~ or to I/fOt6ct 1he SllCurity Ilf 1Iis MortpgI: (d) paynlIC1t of tny rtfinIntillfl, subs1iIution. 81temian. .,.,difiQIIcIn. <<ndIGf Illnawel of 8Ily of said
iIldgln1tlnBSS, intOrest, cIIlll1l1t. CIIS1S lIIIl.plIiIIISj lit "" ~ llf MGnQaIGT's ud/Or BDmIW8I"s crmllMt9 8lld Bgl'tIlmmt& IAldar this t.Iongqe 8Rd tile AammMIt: 8I1d If!
lhe tlIfl8Vl11el1J of tIIft: cIeit 8,lQenud by any tlJrIGl1lMt whlctllIIllS repIItIIII ~ till ~ to thl emm tftlIt 8IlIh .. II owed to Monpgall and .. not II8lIn paid. FOf thi&
o\!Jllllse, Mort'llauor daIS \WI'" mortglGt. gr.. CCIIWeY 10 r-fDrtfllljft tll81b/Jaw11lQ denrfbed propaMy. IO\lether witb 8l1l1qJrllV8llllltlS now IJI' hlrnfIIr lII'6ttId. alii 1111811Sl111111lU.
r_ 1ll1l1lllPurtllnm:e1 dMnolf. I<<Ited at and known as:
y:ItESTEII RD
~ording Date
Deed Book Nunber
Tlllr Parcel NIlIIIb8r
illaLA
01/22/1997
152 paga Nunber
89.144134-120\
PA
\102&-18tt
cUJillBERlAMD
439
EcX-\- l:tnV\:s ~ <I
Tn. ward "Propllty' nl!l'lIiII shalrfllllm air of till for._ RIlftPl86}1111PeftV.
To h8Vf and ta hold till Property lIIltll tI1t Manpvu. itl SUCalS!ort &!tit usi1Ih. furlrm. Pmidra!. bowlMIr. thln if 1hll Maf'tVqllr mUoc Borrower _ ,., tD Mortg/lplI the
sllid debt. immst. .... all ather .. lR1 parfGnn III a\1tIllIIM;nd JI'........." MCII8d 1Inby. aad if BornIwIr h8llllll furtIIM r\l;lt 10 obtlill adv8l1l:8S of ~r8dlt IlIIIfBr IhI Agmmmrr.
111m IIIUi from tllem:af1lrd\ as WIlL !lis Jl/IMIlt MDltGlllIIIII the alale bmby arsmed 8Illt C0MY8d by it shlR C88S8. dltlllmil1l aDd bIcoIM will and of no IH.:t. AllYtIlIl'l!l
hereil1\Jefor8 Cll/ItlIined tb tile contm'( theteof. in ~ ItI1WithIIRiRg.
WM1II\tY of nu.. Mo11g8QGr wantlS 8Ild I'I\IlUIBllI tit Mmtpp _ ,. _lllIIIr il tbI lot. OWIW IIf tfliI Pro1*1Y. 8l1I.I II. t/JI riV\IC 10 f\IlII'IDItl8 anti tlInqy tho
I'roptl't\': lltl tI1a PrGI*lY is IDIItUl'lllleced ... for .....,....:m. now I'ftlIIIlIa4' end lel MDrtll8lJOl' will deflllld till ,!tit to tile PnIDer1Y aaIirm 81 claims ane domands ercllP'
enclJIlIbrllllCG aaw f8ClIrIiIcl
Default. MortIlIQlll' willlt in tIef8uIt umIer Ihia MartgavB l/PIln e def. under tilt terms oftlla Agrll8m8l11.
MOTl:llIQ.... ftemeII.. U,,1uI pralliblt. by law, if MonQl1Qtlf if in dllfadt undIlr,1flis Mortgep. MartDB,,' mrv at Its lJIltIOII, uftsr naticI ,-,red by Isw. dee/Be due ItllJf
p&yllble the entire unp8ld !lalallct .f the .1UIl1S \V/1lctl .. Ul:IIIllllly 11111 NartQIoIlIIId 6Wina .... tI8 Avrunm. If MDrrgugee so 48cllo. _ lIIIlite blIlll11Ce dut aid payatJla,
MortqaQIII mllV UQ peHIISIoft Df 11\9 f'to\m1't, cd1ect any MllI all rem. apply ., I1llItS to till im/IIJUldIlIs: Mtur811lsy tllis Mort!lllJlt. mClDla tile Mof1vaIe. Dr ta}e ot1ler acoo.
lI\lOlJ the McrtpDl. pmnitttd fit IlfO!Iidllt by Jaw to ClIhd tbl b.1.-o 1lIVinI.
ftIrn8dI. C:llJAlIIItIve. If 8IIY t:irl:~ uias wlIidIlMluId pemit Nan;u.vw tll tccaltnltt ,. b8l8llcu, MoItGIlI8I III8y tab 11ICh .mOll :lit lIIl'f tm. during wIIIclI ~
circumstilllCll Cllntimlt& to eDIt. MIlrtQJPl'5 rIR*Iu.... thla MottaIP ~1taII be l:lIIDIIIstlYJ llI1IIlIlll ahImItIYe.
IIanllflt ami ....0. The promlatL BQI'll8lIII!Ita Bill rii1t1 ill tllls MlIrtQagB Bball lit binding lIIJDll ami bnJil _Ill to lIIbom tI'8 ~ Qf tttls MontI8ut it t\'llllSlerretl. If
more Ihllone ~.tl1ia MGrttll\ll.18dl1lld IlIDftlllrn".lIolWl~ IIldtOgllt,..,
Delay ill Enforcem8nt. MDnQ8llll8 C8II daIay in lIIIfIln:ing lIlY of its riohts lIIfIer tbis Morql\ll or 1m ~l1JaI1t wltlltJlI1 IoMlI thlllt ri;tIf. My waher by MortGllGllt of iNl'Y
\IflJVision of tllls MDTllPlP Dr tlJI Ail-t wi mt be 8 tv_ ff the .... or 8llV atller ~on on eny ot!ler m:catIon.
Asslgnllllnt. MDrtualJl' I1'IIIV .11. trlMfll lIf -91 this ~ whbout MoItD8Vtll" & COIIAIIt.
S8VII'llIIIIlty. If 8V prOIIisiIln of this Mortgll8ls MId to bs inwalid or \lIIIntOfC:Ublt. such d111IrninIt/GII sllllllUlt lIffec:t tt. IItlIllity Dr ~ of thll remaining prOYisioJu
of thi& MlII'tllLIQQ.
WITN!SS the JiGnIaV llf tills ~ lItIllIe di18 set fIII1tI ~O'IJ, illtll\diDt V. be 'uglllly bound.
W'lttmS
Mclt1paor
a~ .If p1r -,~~
W'1tmIIS
BK' 748PG47 rs
~I
~A
EFORMTOS!I!:B.'T91
............'L4.U'-''-'.&.....&.''-''.&. .L~tJ""'-J.&. J
Page 3
Date Prepared 04/07/06
Account Number 40 3 48109202937
-
-
o PNCBAN<
DATE DESCRIPTION TRANSACTION DETAIL BALANCE
PRINCIPAL BALANCE CR ADJ 349.59
08/22/03 CHECK ADVANCE 1,000.00 84,552.18
08/25/03 PAYMENT REC'D - THANK YOU 632.40 84,204.05
FINANCE CHARGE CR ADJ 284.27
PRINCIPAL BALANCE CR ADJ 348.13
09/03/03 CHECK ADVANCE 700.00 84,904.05
09/12/03 EXTENSION 0.00 0.00
09/19/03 CHECK ADVANCE 95.00 84,999.05
11/05/03 PAYMENT REC'D - THANK YOU 633.52 84,921. 74
FINANCE CHARGE CR ADJ 556.21
PRINCIPAL BALANCE CR ADJ 77.31
11/18/03 CHECK ADVANCE 70.00 8'1 , 991. 711
12/08/03 PAYMENT REC'D - THANK YOU 642.55 84,637.90
FINANCE CHARGE CR ADJ 288. 71
PRINCIPAL BALANCE CR ADJ 353.84
12/18/03 PAYMENT REC'D - THANK YOU 641.18 84,285.25
FINANCE CHARGE CR ADJ 288.53
PRINCIPAL BALANCE CR ADJ 352.65
12/23/03 CHECK ADVANCE 700.00 84,985.25
01/16/04 PAYMENT REC'D - THANK YOU 623.35 84,631.15
FINANCE CHARGE CR ADJ 269.25
PRINCIPAL BALANCE CR ADJ 354.10
01/23/04 CHECK ADVANCE 350.00 84, 981.15
03/22/04 PAYMENT REC'D - THANK YOU 1,283.73 84,272.99
FINANCE CHARGE CR ADJ 575.57
PRINCIPAL BALANCE CR ADJ 708.16
04/30/04 CHECK ADVANCE 700.00 84,972.99
05120/04 LATE CHARGE ASSESSED 30.95 84,972.99
06/07/04 PAYMENT REC'D - THANK YOU 1.268.69 84, 298 .76
FINANCE CHARGE CR ADJ 563.51
LATE CHARGE CR ADJ 30.95
PRINCIPAL BALANCE CR ADJ 674.23
06/24/04 CHECK ADVANCE D()~ llltlOLf 700.00 84,998.76
07/20/04 LATE CHARGE ASSESSED 31.47 84,998.76
08/11/04 INTEREST RATE CHANGE
FROM .04000
TO .04250
08/20/04 LATE CHARGE ASSESSED 31.12 84,998.76
09/10/04 INTEREST RATE CHANGE
FROM .04250
TO .04500
09/14/04 PAYMENT REC'D - THANK YOU 1.252.10 84,958.61
FINANCE CHARGE CR ADJ 1, 149 .36
LATE CHARGE CR ADJ 62.59
PRINCIPAL BALANCE CR ADJ 40.15
09/20/04 LATE CHARGE ASSESSED 33.03 84,958.61
09/27/04 PAYMENT REC'D - THANK YOU 700.00 84 , 291. 64
LATE CHARGE CR ADJ 33.03
PRINCIPAL BALANCE CR ADJ 627.69
PRINCIPAL BALANCE CR ADJ 39.28
10/06/04 PAYMENT REC'D - THANK YOU 650.26 83,641. 38
PRINCIPAL BALANCE CR ADJ 644.01
PRINCIPAL BALANCE CR ADJ 6.25
~ustomer HIstory
Page 4
Date Prepared 04/07/06
Account Number 40 3 48109202937
-
o PNCBAN<
DATE DESCRIPTION TRANSACTION DETAIL BALANCE
OVERAGE 6.25
10/08/04 INTEREST RATE CHANGE
FROM .04500
TO .04750
10/25/04 PAYMENT REC'D - THANK YOU 639.77 83,292.88
FINANCE CHARGE CR ADJ 291.27
PRINCIPAL BALANCE CR ADJ 348.50
11/19/04 LIMIT ADVANCE 700.00 83,992.88
11/24/04 PAYMENT REC'D - THANK YOU 704.50 83,645.83
FINANCE CHARGE CR ADJ 357.45
PRINCIPAL BALANCE CR ADJ 347.05
12107/04 LIMIT ADVANCE 500.00 84,145.83
12/10/04 INTEREST RATE CHANGE
FROM .04750
TO .05000
01/03/05 PAYMENT REC'D - THANK YOU 676.39 83,795.23
FINANCE CHARGE CR ADJ 325.79
PRINCIPAL BALANCE CR ADJ 350.60
01/11/05 INTEREST RATE CHANGE
FROM .05000
TO .05250
02/22/05 LATE CHARGE ASSESSED 35.84 83,795.23
03/11/05 INTEREST RATE CHANGE
FROM .05250
TO .05500
03/21/05 LATE CHARGE ASSESSED 34.33 83,795 . 23
04/04/05 PAYMENT REC'D - THANK YOU 2,126.30 82,817.98
FINANCE CHARGE CR ADJ 1,078.88
LATE CHARGE CR ADJ 70.17
PRINCIPAL BALANCE CR ADJ 977.25
04/08/05 INTEREST RATE CHANGE
FROM .05500
TO .05750
04/20/05 PAYMENT REC'D - THANK YOU 3,000.00 80, 170 .79
FINANCE CHARGE CR ADJ 352.81
PRINCIPAL BALANCE CR ADJ 345.07
PRINCIPAL BALANCE CR ADJ 2,302.12
OVERAGE 2,302.12
06/06/05 PAYMENT REC'D - THANK YOU 1,000.00 79,592.15
FINANCE CHARGE CR ADJ 421.36
PRINCIPAL BALANCE CR ADJ 334.04
PRINCIPAL BALANCE CR ADJ 244.60
OVERAGE 244.60
06/10/05 INTEREST RATE CHANGE
FROM .05750
TO .06000
06/27/05 PAYMENT REC'D - THANK YOU 1,000.00 78,970.59
FINANCE CHARGE CR ADJ 378.44
PRINCIPAL BALANCE CR ADJ 331.63
PRINCIPAL BALANCE CR ADJ 289.93
OVERAGE 289.93
08/03/05 PAYMENT REC'D - THANK YOU 733.10 78,641. 55
FINANCE CHARGE CR ADJ 404.06
Customer History
Page 5
Date Prepared 04/07/06
Account Number 40 3 48109202937
o PNCBAN<
DATE DESCRIPTION TRANSACTION DETAIL BALANCE
PRINCIPAL BALANCE CR ADJ 329.04
08/11/05 INTEREST RATE CHANGE
FROM .06000
TO .06250
09/02/05 PAYMENT REC'D - THANK YOU 729.60 78,313.88
FINANCE CHARGE CR ADJ 401.93
PRINCIPAL BALANCE CR ADJ 327.67
09/09/05 INTEREST RATE CHANGE
FROM .06250
TO .06500
10/11/05 INTEREST RATE CHANGE
FROM .06500
TO .06750
10120/05 LATE CHARGE ASSESSED 35.81 78,313.88
11121/05 LATE CHARGE ASSESSED 38.62 78,313.88
12/09/05 INTEREST RATE CHANGE
FROM .06750
TO .07000
12120/05 LATE CHARGE ASSESSED 38.03 78.313.88
01/11/06 INTEREST RATE CHANGE
FROM .07000
TO .07250
01120/06 LATE CHARGE ASSESSED 37.31 78,313.88
02121/06 LATE CHARGE ASSESSED 41.09 78,313.88
03/10/06 INTEREST RATE CHANGE
FROM .07250
TO .07500
03120/06 LATE CHARGE ASSESSED 38.09 78,313.88
OMS NO. 2502-0265 ~'r
A B. TYPE OF LOAN:
u.~. DJ;OPARTMI:NT OF HOUSING & URBAN DEVELOPMENT 1.0fHA 2.0FmHA 3. DCONv. UNtNS. 4. OVA 5.00CONV.INS.
6. FILE NUMBER: 17. LOAN NUMBER:
SETTLEMENT STATEMENT P-Q6025 0001125836
8. MORTGAGE INS CASE NUMBER:
C. NOTE: This tofm is furnished to give you a statement of actueJ settlement costs. Amounts paid to and by the settlement agent are shown.
Items marked "[POCr were paid outside the closing; they are shown here for intofmational purposes and are not included in the totals.
1.0 3108 cP.ooo25.PFOIP-CI6025124)
D. NAME AND ADDRESS OF BORROWER: E. NAME AND ADDRESS OF SELLER: F. NAME AND ADDRESS OF LENDER:
BRIAN M. FLORY ANTHONY R. MAGARO CONCORDE ACCEPTANCE CORP.
245 Seneca Street 1 Chester Road 7929 Brookrivsr'Drive, #500
Hanisburg, PA 17108 Enole, PA 17025 Dallas, 1X 75247
G. PROPERTY LOCATION: H. SETTLEMENTAGEN~ 25-1722090 I. SETTLEMENT DATE:
1 Chester Road Barristers Land Abstract Co.
Enola, PA 17025 April 28, 2006
Cumberland County, Pennsylvania PLACE OF SETTLEMENT
Township of East Pennsboro 3310 Marl<et Street
Camp HiD, PA 17011
J. SUMMARY OF BORROWER'S TRANSACTION K. SUMMARY OF SElLER'S TRANSACTION
100. GROSS AMOUNT DUE FROM BORROWER: 400. GROSS AMOUNT DUE TO SELLER:
101. Contract Sales Price 91 946.00 401. Contract Sales Price 91,946.00
102. Personal Prooertv 402. Personal Proo..rti
103. Settlement Charoes to Bonower tUne 1400l 6 003.45 403.
104. 404.
105. 405.
Adlustments For Items Paid Bv Seller in advance Ad'ustments For Items Paid Bv Seller in edVance
106. CII1t Taxes to 406. Cilv Taxes to
107. County Taxes 04128/06 to 01/01/117 185.41 407. CountvTaxes 04/28106 to 01/()1/()7 185.41
108. School Taxes 04/28106 to 07101106 177.97 408. School Taxes 04/28106 to 07/()1106 177.97
109. Sewer04l28/ll61007101106 48.18 409. Sewer 04128/06 to 07101106 48.18
110. 410.
111. 411.
112. 412.
120. GROSS AMOUNT DUE FROM BORROWER 98,361.01 420. GROSS AMOUNT DUE TO SELLER 92,357,56
200. AMOUNTS PAID BY OR IN BEHALF OF BORROWER: SOD. REDUCTIONS IN AMOUNT DUE TO SELLER:
201. Deoosit or earnest monev 501. Excess OeOOsillSee Instrudions
202. Prlndnal Amount of New Loanls 91 946.00 S02. Settlement Charnes \0 Seller IUne 1400\ 4271.72
203. ExistinG loan(s taken subiect to 503. ExlstinafoaiiiSliaken subiect to
204. 504. Payoff of first Mortgage to PNC Bank 82,569.08
205. 505. Pavoff of second Mortnane
206. 506.
207. 507.
208. 508.
209. Seller Assist 5,516.76 509. Seller Assist 5,516.76
Adiustments For Items Unnaid BY Seller Adiustments For Items Unoaid Bv Sel/er
210. City Taxes to 510. cTtV Taxes to
211. County Taxes to 511. CouliiVTaxes to
212_ Sr.hnnl T~.v:~q, .- ~1;l. BChOOl faxes to
213. 513. ,
214. 514.
215. 515.
216. 516.
217. 517.
218. 510.
219. 519.
220. TOTAL PAID BY/FOR BORROWER 97,462.76 520. TOTAL REDUCTION AMOUNT DUE SELLER 92,357.56
300. CASH AT SETTlEMENT FROMfTO BORROWER: 600. CASH AT SETTLEMENT TO/FROM SELLER:
301. Gross Amount Due From Borrower Line 120\ 98,361.01 601. Gross Amount Due To Seller IUne 4201 92 357.56
302. Less Amount Paid BvlFor BorroweiTUne 220) ( 97,462.76) 602. Less Reductions Due Seller (Line 520) ( 92,357.56
303. CASH ( X FROM){ TO) BORROWFER 898.25 603. CASH ( TO)( FROM) SELLER 0.00
...,.,
The undersigned hereby acknowledge receipt of a completed copy of pages 1 &2 of this statement & any attachments referred to herein.
""-, L It(j-'
BRIAN M. FLORY
Seller ~~~CV4
ANTHO Y. GARO
H105.905 .REV.(OllO.)
This is to certifY that this is a true copy of the record which is on file in the Pennsylvania Division of Vital Records III accordance
with Act 66, P.L. 304, approved by the General Assembly, June 29, 1953.
WARNING:. It is illegal to duplicate this copy by photostat or photograph.
~ GtJ.!I~
No.
Charles Hardester
State Registrar
Calvin B. Johnson, M.D., M.P.H.
Secretary of Health
MAR (2 9 2006
--,........, C")
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-
3738614
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H105.1043 Rev. 2187
COMMONWEALTH OF PENNSYLVANIA. DEPARTMENT OF HEALTH. VITAL RECORDS
CERTIFICATE OF DEATH
070774
TYPEJI'ftM'
IN
PERMANENT
Ill.ACK INK
Jtl
NAME OF DECEDENT (F'nt, -.l.aII)
~ Susan M. Magaro
AGE (last_)
SEX
2. Female ..
I.
- COUNTY OF DEATH
92 VB.
R_ 0 ;::.." 0
RACE . American Indian, Black., W'lite, et
(Specify)
White
SURVIVING SPOUSE
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l7b. CounIv Cumberland 17d.O ~='=of
MOTHER'S NAME (Fnt. MtdIje, Malden S...-name)
II. Agne s Me Conne 11
lNFORIIANT'S MAJUNG ADDRESS (s..... CitylTown. S..... Zip~)
2Gb. P.O. Box 215 New Bloomfield PA 17068
PlACE OF DISPOSITION- Name oICeme18ly. c...-y LOCATION -CilylTown. State. Zip~
'" Other Place
CityJboro
21e.
Hol
Cross Cemeter
NAME AND ADDRESS OF FACILITY
21d.Swatara Tw . PA
(:
..
C t.. r< If f3. RD V YrtS C lH-1) v.l..
TO (OR M A CONSEQUENCE OF):
Free \O~~,
29 S.Enola Dr. Enola PAI7025
UCENSE NUMBER DATE SIGNED
23b. jIV/.1> . 0 61{7~'l-L- :'"."". Day. Veer) ., I" \ 0 If-
WAS CASE REFERRED TO A MEDICAL EXAMINER ICORON~
21. Yes 0 No LlI
: Approximate PART n: Other significan: c:oncItions contributing to death, but
. interval not resutng in the undertying cause given in PART I
: onset and death
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Oft.
DUE TO
AS A CONSEQUENCE
MANNER OF DEATH
-vEl
Acddonl 0
Sulddo 0
~
Pending ,_
Could not be determined
DATE OF INJURY TIME OF INJURY INJURY AT IMJRK? DESCRIBE HOW INJURY OCCURRED.
(MontI. o.y. v..,
o
o -D~O
30L 3Gb. M. 3Oc.
o PlACE OF INJURV - AI home. farin. ...... fadory. ofIk:o
buNng. etc.. (SpecIfy)
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LAW OFFICES OF
GATES, HALBRUNER &-HATCH, P.C.
1013 MUMMA ROAD. SUITE 100 . LEMOYNE, PENNSYLVANIA 17043
(717) 731-9600 . FAX: (717) 731-9627
LOWELL R. GATES, LL. M.
LL. M. in Taxation
Also Admitted to Massachusetts Bar
MARK E. HALBRUNER
CRAIG A. HATCH, CELA
Certified as an Elder Law Attorney by
the National Elder Law Foundation
CLIFTON R. GUISE
Also Admitted to practice before the
U.S. Patent & Trademark Office
SARAH E. McCARROLL
October 30,2007
BRANCH OFFICE:
3 WEST MONUMENT SQUARE, SUITE 304
LEWISTOWN, PA 17044
(717) 248-6909
WEB SITE:
www.GatesLawFirm.com
CORRESPONDENCE ADDRESS:
Lemoyne Office
STACEY L. NACE
Paralegal/Office Manager
TRACI L. SEPKOVIC
Paralegal
VALERIE LONG
Paralegal
Cumberland County Courthouse
Office of the Register of Wills
One Courthouse Square
Carlisle, PA 17013
--..I
RE: Susan M. Magaro, deceased
Date of Death: July 11, 2004
Social Security No.: 203-10-9666
LA)
7"'"
Dear Register of Wills:
a
c
Please be advised that Susan M. Magaro, deceased, late of 1 Chester Road, Enola, East
Pennsboro Township, Cumberland County, Pennsylvania, died on July 11, 2004. Ms. Magaro died
owning no probate assets. I am enclosing an original death certificate your records.
Enclosed for filing (in duplicate) is the Pennsylvania inheritance tax return for Ms. Magaro
along with a check in the amount of $15.00 as the filing fee. Please time-stamp the additional
photocopy of the inheritance tax return and return it to our office in the enclosed envelope.
Please notify Attorney Mark E. Halbruner or myself if you need any additional information.
Thank you for your assistance in this matter.
Sincerely,
umj4ybv~
Traci L. Sepkovic
Paralegal
Enclosures
cc: Anthony R. Magaro