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Home My WebLink About01-08-08 .....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 Number Date of Death INHERITANCE TAX RETURN RESIDENT DECEDENT OFFICIAL USE ONLY County Code Year File Number Date of Birth 10/28/2007 06/12/1925 Decedent's Last Name Decedent's First Name MI McCarty ise M (If Applicable) Enter Surviving Spouse's Information Below Last Name Suffix First Name MI Social THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW ~ 1. Original Return c::J 2. Supplemental Return c::J 3. Remainder Return (date of death prior to 12-13-82) 5. Federal Estate Tax Return Required t::::) 4. Limited Estate "'~ ~ ca; c::J 4a. Future Interest Compromise (date of death after 12-12-82) C.:::::J 7. Decedent Maintained a Living Trust (Attach Copy of Trust) c::J 10. Spousal Poverty Credit (date of death c::J 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 Number 6. Decedent Died Testate (Attach Copy of Will) 9. Litigation Proceeds Received "OW 8. Total Number of Safe Deposit Boxes c::J Firm Name (If Applicable) REGISTER OF WILLS USE ONLY o :;;:0 :':j ~ HI ... () '~'~~ C''''-::...n : en;,;>;.: ) r........"> = => = <- :Po> Z First line of address 5609 Pinehurst Way Second line of address I CX) 17050 or Post Office State ZIP Code Mechanicsburg Correspondent's e-mail address:kmbratic@yahoo.com N 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 representative is based on all information of which preparer has any knowledge. SIGNATU F PERSON RESPONSIB OR FILING RETURN DATE 01/08/08 ADDRE S 5609 Pinehurst Way Mechanicsburg, PA 17050 SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE DATE ADDRESS PLEASE USE ORIGINAL FORM ONLY L 15056051058 Side 1 15056051058 --' REV-1500 EX Page 3 Decedent's Complete Address: DECEDENT'S NAME Elise M McCarty STREET ADDRESS 331 E Lisburn Road DECEDENT'S SOCIAL SECURITY NUMBER 273-20-3896 CITY Mechanicsburg STATE PA ZIP 17055 Tax Payments and Credits: 1. Tax Due (Page 2 Line 19) 2. Credits/Payments A. Spousal Poverty Credit 8. Prior Payments C. Discount .' Q,5"".;t/, 3 (1) 19,699.96 1,036.81 Total Credits (A + 8 + C ) (2) 1,036.81 3. Interest/Penalty if applicable D. Interest E. Penalty Total Interest/Penalty ( D + E ) (3) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Fill in oval on Page 2, Line 20 to request a refund. (4) 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. 8. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (5) (5A) (58) 18,663.15 A. Enter the interest on the tax due. 18,663.15 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 transfer and: Yes No a. retain the use or income of the property transferred;.......................................................................................... 0 00 b. retain the right to designate who shall use the property transferred or its income; ............................................ 0 00 c. retain a reversionary interest; or.......................................................................................................................... 0 [iJ d. receive the promise for life of either payments, benefits or care? ...................................................................... 0 00 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? .............................................................................................................. 0 00 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? .............. 0 00 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? ........................................................................................................................ 0 00 IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. 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) percent [72 P.S. ~9116 (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 zero (0) percent [72 P.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 return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [72 P.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 four and one-half (4.5) percent, except as noted in 72 P.S. ~9116(1.2) [72 P.S. ~9116(a)(1)]. The tax 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. ~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. -.J 15056052059 REV-1500 EX Decedent's Social Number Decedent's Name: Elise M McCarty 273-20-3896 RECAPITULATION 1. Real estate (Schedule A). .............. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 1. 2. Stocks and Bonds (Schedule B) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 2. 83,304.40 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) . . . .. 3. 4. Mortgages & Notes Receivable (Schedule D) . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 4. 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) . . . . . . .. 5. 76,324.40 283,314.92 6. Jointly Owned Property (Schedule F) c::::::> Separate Billing Requested. . . . . " 6. 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) c::::::> Separate Billing Requested. . . . . . .. 7. 8. Total Gross Assets (total Lines 1-7). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 8. 442,943.72 4,404.00 762.81 9. Funeral Expenses & Administrative Costs (Schedule H). . . . . . . . . . . . . . . . . . . " 9. 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I). . . . . . . . . . . . . . . . 10. 11. Total Deductions (total Lines 9 & 10). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 11. 5,166. 437,776.91 12. Net Value of Estate (Line 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 Value Subject to Tax (Line 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 Sec. 9116 (a)(1.2) X .0_ 16. Amount of Line 14 taxable at lineal rate X.O 45 437,776.91 17. Amount of Line 14 taxable at sibling rate X .12 18. Amount of Line 14 taxable at collateral rate X .15 15. 16. 19,699.96 17. 18. 19. TAX DUE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19. 19,699.96 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT c:::::::> L 15056052059 Side 2 15056052059 --.J REV-1503 EX+ (6-98) ~~ COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE B STOCKS & BONDS ESTATE OF Elise M McCarty FILE NUMBER 2007-01008 ITEM NUMBER 1. All property jointly-owned with right of survivorship must be disclosed on Schedule F. DESCRIPTION Series HH Bonds M7079443 through M7079450 and 04965989 VALUE AT DATE OF DEATH 2 Federal National Mtg Securities ( See Merrill Lynch statement) 8,500.00 54,656.40 20,148.00 3 NM Boeing Capital CRP BE (See Merrill Lynch statement) TOTAL (Also enter on line 2, Recapitulation) $ (If more space is needed, insert additional sheets of the same size) 83,304.40 REV.1507 EX+ (6-98) ~~ COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE D MORTGAGES & NOTES RECEIVABLE ESTATE OF Elise M McCarty FILE NUMBER 2007 -01008 ITEM NUMBER 1. Mortgage to: All property jointly-owned with right of survivorship must be disclosed on Schedule F. DESCRIPTION Patricia McCarty VALUE AT DATE OF DEATH a 76,324.40 5500 B Gloucester Dr Mechanicsburg, PA 17055 Mortgage is on this property Face Value: 86,000.00 Mortgage dated 7-08-05 Maturity Date: 7-08-2020 Monthly payments of $647.39 4.26% interest TOTAL (Also enter on line 4, Recapitulation) $ (If more space is needed, insert additional sheets of the same size) 76,324.40 REV-1508 EX+ (6-98) ~ _9)iI~()_ Wtl COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY ESTATE OF Elise M McCarty FILE NUMBER 2007-01008 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM NUMBER DESCRIPTION 1 Refund from Standard Life Insurance #810127240 2 Refund from Conseco Long Term Insurance #EM15645 3 Refund from Erie Auto Insurance #Q060505610H 4 Refund from Forethought Prepaid Funerals #006127181 5 Refund from Malpezzi Funeral Home 6 Sovereign Bank CD #1685541631 7 PNC CD #000031200304149 VALUE AT DATE OF DEATH 876.28 1,004.60 366.00 1,804.63 100.00 21,247.14 14 Merrill Lynch accrued interest See Merrill Lynch statement attached 20,712.89 13,415.02 13,450.06 2,747.70 23,055.91 9,000.00 56,856.63 1,204.89 10,010.00 107,463.17 8 PNC Checking Account #5140211697 9 PNC Money Market #50-0115-570 10 Citizens Bank Checking Account #621631-280-8 11 Citizens Bank Money Market Account #621346-379-1 12 2002 Honda Accord 13 Merrill Lynch CMA Money Market See Merrill Lynch statement attached 15 Nicholas Applegate Mutual Fund See Merrill Lynch statement attached 16 CD's listed on Merrill Lynch statement attached TOTAL (Also enter on line 5, Recapitulation) $ (If more space is needed, insert additional sheets of the same size) 283,314.92 REV-1511 EX+ (12-99. COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS ESTATE OF Elise M McCarty FILE NUMBER 2007-01008 Debts of decedent must be reported on Schedule I. ITEM NUMBER A. FUNERAL EXPENSES: 1. DESCRIPTION B. ADMINISTRATIVE COSTS: 1 . Personal Representative's Commissions Name of Personal Representative(s) Social Security Number(s)/EIN Number of Personal Representative(s) Street Address City State Year(s) Commission Paid: 2. Attorney Fees 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Claimant Molly McCarty Street Address 331 E Lisburn Road City;Mechanicsburg Relationship of Claimant to Decedent Daughter StatePA Zip 17055 4. Probate Fees 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. Register of Wills 8. Reserve to close out estate - Accounting fees for tax preparation etc TOTAL (Also enter on line 9, Recapitulation) (If more space is needed, insert additional sheets of the same size) AMOUNT 3,500.00 REV-1512 EX+ (12-03) SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Elise M McCarty FILE NUMBER 2007-01008 Report debts incurred by the decedent prior to death which remained unpaid as of the date of death, including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. Aetna Direct Deposit to PNC checking account #51-4021-1697 reclaim on 11-14-07. o 762.81 TOTAL (Also enter on line 10, Recapitulation) $ (If more space is needed, insert additional sheets of the same size) 762.81 REV-1513 EX. (9-00) . SCHEDULE J BENEFICIARIES COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Elise M McCarty NUMBER I NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under Sec. 9116 (a) (1.2)J Kathleen Bratic 5609 Pinehurst Way RELATIONSHIP TO DECEDENT Do Not List Trustee(s) FILE NUMBER 2007-01008 AMOUNT OR SHARE OF ESTATE 1. D Daughter 25% Mechanicsburg, PA 17050 2. Patricia McCarty 5500 B Gloucester Street Daughter Mechanicsburg, PA 17055 3. Donald McCarty 229 Poplar Lane Son Elizabethtown, PA 17022 4. Molly McCarty 331 E Lisburn Road Daughter Mechanicsburg, PA 17055 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 (If more space is needed, insert additional sheets of the same size) TOTAL OF PART 11- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET REGISTER OF WILLS CUMBERLAND COUNTY PENN Y. NIA CERTIFICATE OF GRANT OF LETTERS No. 2007-01008 Es ta te Of: ELISE M MCCARTY PA No. 21-07- 1008 (Fi,st, Middle, Last) Late Of: UPPER ALLEN TOWNSHIP CUMBERLAND COUNTY Deceased Social Securi ty No: 273-20-3896 WHEREAS, on the 7th day of November 2007 an instrument dated September 17th 2007 was admitted to probate as the last will of ELISE M MCCARTY (First, Middle, Last) late of UPPER ALLEN TOWNSHIP, CUMBERLAND County, who died on the 28th day of October 2007 and, WHEREAS, a true copy of the will as probated lS annexed hereto. THEREFORE, I, GLENDA FARNER STRASBAUGH Register of Wills in and for CUMBERLAND County, in the Commonwealth of Pennsylvania, hereby certify that I have this day granted Letters TESTAMENTARY to: KA THLEEN MCCARTY BRA TIC and MOLL Y MCCARTY who have duly qualified as EXECUTOR(RIX) and have agreed to administer the estate according to law, all of which fully appears of record in my office at CUMBERLAND COUNTY COURT HOUSE, CARLISLE, PENNSYL VANIA. IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed the seal of my office on the 7th day of November 2007. AQ~.i\U\Q~,~ 1:1) ~gm'" 0 ill, ;~J.00--- Depu **NOTE** ALL NAMES ABOVE APPEAR (FIRST, MIDDLE, LAST) ~ \~~ 'v ..,j \~ "\\ ',~ " t '~ ~ " '-.;~' '. ~ LAST WILL AND TESTAMENT OF ELISE M. McCARTY I, ELISE M. McCARTY, of Upper Allen Township, Cumberland County, Pennsylvania, being of sound mind, memory and understanding, do hereby m~e, publi~~ ..., C~) -_J ~ ,. ... and declare this as and for my Last Will and Testament, hereby revoking all otheI'\v!lls mid_ I Codicils heretofore made by me. , -.'....l _nc, FIRST LC) c.) I direct the payment of my debts and expenses of my last illness and funeral frobP my estate as soon after my death as conveniently may be done. If there be no cemetery lot available for my interment, owned by me at the time of my death, I authorize my personal representative to purchase such cemetery lot with a contract for perpetual care, using therefore funds from my estate, in such amount as my personal representative shall consider necessary and desirable and I authorize my personal representative to cause title to or ownership of such lot so purchased to be vested in such person as my personal. representative shall designate. Further in this connection, I authorize my personal representative to expend funds from my estate, in such amount as my personal representative shall consider necessary and desirable for the purchase, erection and inscription of a suitable marker for my grave. SECOND I give, devise and bequeath my entire estate, whether the same be real, personal or mixed and wheresoever situate unto my four children in as nearly equal shares as possible, } (J ~ ~ ~ ~ j \J namely Patricia McCarty, Donald J. McCarty, Kathleen McCarty Bratic and Molly McCarty, per stirpes, with the following conditions. The money due to me on a mortgage dated 7/8/05, that I provided to Patricia McCarty on her residence shall be added to the total value of my estate. The share given to my daughter Patricia McCarty shall be adjusted as follows: 1. If she wants my 2002 Honda Accord, she will be credited with receiving $9000.00 from my estate. If she does not want the car, I direct it to be sold and the proceeds . added to my estate. 2. $5,000 in cash will be distributed to her and treated and credited as part of her share of the estate. 3. (a) The balance of her share of the estate shall be applied to the remaining principal ofthe mortgage she owes me. (b) If the share of my estate allocated to Patricia exceeds the distributions to her set forth in paragraph 1, 2 and 3(a) of this will, she will receive the balance in cash. (c) If the share of my estate allocated to Patricia McCarty is not sufficient to pay off the mortgage referred to in paragraph 3(a), then I direet that the unpaid balance of the mortgage shall be an asset of my estate and shall be assigned to Kathleen McCarty Bratie as part of her share of my estate. The terms of the mortgage will be the same as I had. THIRD ill addition to the powers conferred by law, I authorize my personal representative, in his or her absolute discretion: +t ~, "'.J ~ ~ ~ ~ J \ " . '>-- \ o A. To retain in the fonn received and to sell either at public or private sale, any real or personal property; and B. To manage real estate; and C. To invest and reinvest in all fonns of property without being confined to legal investments and without regard to the principal of diversification; and D. To exercise any option or rights arising from ownership of investments; and E. To compromise claims without court approval and without the consent of any 'beneficiary, but not limited to claims by the Commonwealth of Pennsylvania with respect to inheritance taxes on any future interest passing under this will. F. To continue the operation of any business that I may own at the time of my death for the period of time and in the manner that he, she or it considers advisable and to be in the best interest of my estate, or to sell, or to liquidate the business at the time and on the tenns and conditions that he, she, or it considers advisable and in the best interests of my estate. FOURTH All shares of principal and income herein given shall be free from anticipation, assignment, pledge or obligation of any beneficiary and shall not be subject to any execution or attachment. FIFTH I direct that any and all inheritance, estate and transfer taxes imposed upon my estate passing under my Will or otherwise, shall be paid out of the principal of my residuary estate. SIXTH I nominate, constitute and appoint my daughters, Molly McCarty and Kathleen McCarty Bratic, as personal co-representatives of this my Last Will and Testament. In the event of the renunciation, death, resignation or inability to act for any reason whatsoever of one of my said daughters, I nominate, constitute and appoint the survivor thereof as personal representative of tlus my Last Will and Testament. I hereby relieve my personal representative from the necessity of posting security in connection with duties as such in any jurisdiction in which my personal representative shall be called upon to act insofar as I am able by law to do so. IN WITNESS WHEREOF, I, ELISE M. McCARTY, have hereunto set my hand . and seal to this my Last Will and Testament, consisting of five typewritten pages, the first three of which bear my signature in the margin for the purpose of identification this fi. J 7 day of J~~.I-.c. ,.... b v ,2007. f ~ ~)) 47'k 07 ELISE M. McCARTY SIGNED, SEALED, PUBLISHED AND DECLARED BY THE ABOVE NAMED ELISE M. McCARTY as and for her Last Will and Testament, in the presence of us, who at her request, in her presence and in the sight and presence of each other, have hereunto subscribed our names as witnesses. of Vt--UsbVj 7 d?I\ of f1 e (; t,A'1/L- r bvr~ J PA- . COMMONWEALTH OF PENNSYLVANIA: COUNTY OF Y'i) 1- k ss Elise M. McCarty, the Testatrix, whose name is signed to the foregoing instrument, having been duly qualified according to law, do hereby acknowledge that I signed and executed this instrument as my Last Will and Testament; that I signed it willingly and that I signed it as my fi:ee and voluntary act for the purposes therein expressed. . Sworn or affimled to and acknowledged before me by Elise M. McCarty, the Testatrix, this hfi- day of S'~ rh ..-' b t/ , 2007. ,/ ( ~ rj;). COMMONWEALTH OF PENNSYLVANI);':lise M. McCarty, Testatrix Notarial Seal Romella S. Rider, NotaJy Public e DUlsburg 801'0, Y OIl< ColI'Ity My CommIssion Expires Feb. 12,2009 . Member, Pennsylvania Association 01 NotariW'otary PublIc o "- C/~ COMMONWEALTH OF PENNSYLVANIA: COUNTY OF Y t; .-4 SS We, Ko..i!.tV\ C. Wla.c..~ -. and C J,ArJe- S <;;~ L.~v"~;:;~ , the witnesses whose names are signed ~ the foregoing instrument, being duly qualified according to law, depose and say that we were present and saw the aforesaid Testatrix sign and execute the instrument 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 witnesses; and that to the best of our knowledge, the Testatrix was at the time eighteen (18) or more years of age, of SOlUld mind and under no constraint or undue influence. Sworn or affi nned to and subscribed to before me, this 17;r.. Sc ..A-...... bv ,2007. I day of u. ~~_. Witn~sF d ~~ ~ Witness . \) COMMONWEALTH OF PENNSYLVANIA _ --)' Notarial Seal Romella S. Rider, No!aIy Public Dil/sburg Boro, York CoLl'lty My ConmissiOn ExpIres Feb. 12, 2009 Memba.. PennsylVA'lill Association ot Notaries MORTGAGE NOTE (C(0)f)f ~ I I I ! . i D n ~ ;) " ::J ~ m ;0 ~/ ~), ~4 ~"..'C.'.!, ....' ,~ ~, i': m ;0 Dated: July cj ,2005 4 5 FOR VALUE RECEIVED, PATRICIA KAY MCCARTY alk/a pATRICIA MCCARTY SPRATLEY (the "Maker"), promise to pay to the order of '~LISE M. MCCARTY (the "Payee"), the principal sum of Eighty. Six Thousand pollars ($86,000) as hereinafter provided. 6 7 . The interest rate on the unpaid balance shall be four and twenty.six ne hundredths (4.26%) percent per annum. Interest and principal shall be yable in regular monthly installments of Six Hundred Forty.Seven Dollars and . y-Nine Cents ($647.39) Dollars. The first payment shall be due August 8, 905 and payments shall continue until all amounts due under this Note are paid , full. 8 Upon the occurrence of an event of default as defined in the age (hereinafter "Event of Default"), Payee, at its option, may declare "ately due and payable the entire unpaid balance of principal and all other ue by Maker under the Mortgage or this Note, anything in the Mortgage , ontrary notwithstanding; and payments thereof may be enforced and Maker shall have the right to pay the principal in whole or in part ny time without premium or penalty. Payment of this note is secured by a Mortgage, from Maker to ,~e, intended to be dated and recorded together with this Note, secured upon 'ises located in Lower Allen Township, Cumberland County, Pennsylvania, ,.~ particularly described in the Mortgage. All of the conditions, covenants, :Osions, and stipulations contained in the Mortgage, which are to be kept and :rmed by Maker are incorporated by reference in this Note. Maker covenants grees to keep and perform all such covenants. At Payee's option (but after any required notice contained in the age), Payee may pay any tax, assessment or water, rent, or insurance 'um or any sums which under the terms of the Mortgage the Maker is ted to pay but fails to pay. The amount(s), if any, paid by Payee shall be \. to and become part of the principal sum payable under this Note and shall ed by the Mortgage. Such amounts shall be payable on demand. Page 1 0 Anlc-rtization Calculator You may want to find out more about this calculator, or read the Frequently Asked Questions (F AQ). This calculator VI'- ~ written by Bret Whissel. Almost any data field on this form may be calculated. Enter the appropriate data in each slot, leaving blank (or zero) th value that you wish to calculate, and then activate "Calculate" to update the page. [. Calculate I D Show Amortization Schedule Principal: 86000.00 Payments per Year: Annual Interest 4.2600 Rate: Number of Regular 180 Payments: Payment 647.39 Amount: I~ tw-J Balloon P 1.20 ayment: Principal borrowed: $86000.00 Annual Payments: 12 Total Payments: 181 Annual interest rate: 4.26% Periodic interest rate: 0.3550% Rp~lt1ar Payment amount: $647.39 Final Balloon Payment: $1.20 The following results are estimates which do not account for values being rounded to the nearest cent. See the amortization schedule for more accurate values. Total Repaid: $116531.40 Total Interest Paid: $30531.40 Interest as percentage of Principal: 35.502% J ~/"-' . '~./' .' . . . Pmt Principal Interest, .,>: Cqm Prin Cum Int Prin Bal <t- (" -- o.s 1 342.09 oj -y 305.30 85657.91 305. 3~/,J;.j ;342.09 D . 2 343.30 304.09" ..../. 685.39 609.39 85314.61 3 344.52 302.87 ) 1029.91 912.26 84970.09 l' 4 345.75 301.64 1375.66 1213.90 84624.34 r .- 5 346.97 300.421' 1722 .63 1514.32 84277.37 "L--U'-' ,) ---b 83929.16 348.21 299.1~",~ _2070.84 1813.50 7 349.44 .k1'" 2111.45 83579.72 297.95 \ 2420.28 8 350.68 296.71 2770.96 2408.16 83229.04 9 351.93 295.46 ,-1 3122.89 2703.62 82877.11 10 353.18 294.21':,' 3476.07 2997.83 82523.93 11 354.43 292.96 "., 3830.50 3290.79 82169.50 6 ''I - {,. ~ vf.- 12 355.69 291.70 ~! 4186.19 3582.49 81813.81 ! ,/ ? 81456.86 q-I..-- ol:., 13 356.95 290.44 4543.14 3872.93 14 358.22 289.17 4901.36 4162.10 81098.64 15 359.49 287.90 ! 5260.85 4450.00 80739.15 16 360.77 286'1 5621.62 4736.62 80378.38 r f _ If ' .. 1_, lttp:f fray .met. fsu.edulcgi-bin/ amortize 6/21/2005 r /<-"'. - r.?~age L. or f t!,~ ,v ...,/ - - 1 ~ -.', ;t.t/~, -.oJ"",'/" l' S>vf ;;;. vt/'- ;" ",- - I _ '../ ;)_I-o~ 17 362.05 _:?_~~-'-,},~~._.._.._2.9. ~~..:...rr,-_.,--- 5021. 96 80016.33 18 363.33 284.06 6347.00 5306.02 79653.00 19 364 . 62 282.77 6711.62 5588.79 79288.38 20 365.92 281. 47 7077.54 5870.26 78922.46 21 367.22 280.17 7444.76 6150.43 78555.24 22 368.52 278.87 7813.28 6429.30 78186.72 23 369.83 277 .56 8183.11 6706.86 77816.89 rJ - {, - <:> 7 24 371.14 276.25 8554.25 6983.11 77445.75 25 372.46 274.93 8926.71 7258.04 d- ;-r IN_aJ 26 D J u Li-' f' IV' tl--.' .;;..i...-I 373.78 273.61 9300.49 7531. 65 . 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