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15056041147
REV-1500 EX (06-05)
PA Department of Revenue
Bureau of Individual Taxes
PO BOX.280601
Harrisburg, PA 17128-0601
ENTER D::CEDENT INFORMATION BELOW
Social See urity Number Date of Death
OFFICIAL USE ONLY
County Code Year
File Number
INHERITANCE TAX RETURN
RESIDENT DECEDENT
21 08
00033
Date of Birth
01 05 2008
01 09 1921
Decedent' 3 Last Name
Suffix
Decedent's First Name
MI
MYERS
RUTH
B
(If Applic.lble) Enter Surviving Spouse's Information Below
Spouse's ~ast Name
Suffix
Spouse's First Name
MI
Spouse's Social Security Number
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
[!] 1. ::>riginal Return 0 2. Supplemental Return
0 4. _imited Estate 0 4a. Future Interest Compromise
(date of death after 12-12.82)
[K] 6. Jecedent Died Testate 0 7. Decedent Maintained a LivinQ Trust
(Attach Copy of Will) (Attach Copy of Trust)
0 9. Litigation Proceeds Received 0 10 Spousal Poverty Credit ~date of death
. between 12-31.Q1 and -1-95)
[J
[J
3. Remainder Return (date of death
prior to 12-13-82)
5. Federal Estate Tax Return Required
8. Total Number of Safe Deposit Boxes
o
11.Election 10 tax under Sec. 9113(A)
(Attach Sch. 0)
CORRES"ONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
MIC3AEL L. BANGS 717 73~ 7310
)
Firm Name (If Applicable)
--,
REGISTER oF.WlJ,.I.,S USEQNL Y
First lin" of address
,.")
429 SOUTH 18TH STREET
Second line of address
r....:,;.
--i
"....,)
(,'
DATE FILED
City or Post Office
CAMP HILL
State
PA
ZIP Code
17011
Corresr on dent's e-mail address:
Under pSlalties 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, ;orrect and complete. Declaration of her than the personal representative is based on all information of which preparer has any knowledge.
SIGNATUfE OF PERSON RESPONSIBLE FOR FILING RETURN DATE
.:;:::::;~ KurtJ. Myers ~,p/~?
ADDRES~
Michael L. Bangs
429 ~ outh 18th Street, Camp Hill, PA 17011
Side 1
L
15056041147
15056041147
.-I
1"
--.J
15D5bD42148
REV-1500 EX
Q,cedenl'sName Ruth B. Myers
Decedent's Social Security Number
RECA.3ITULATION
1. f'eal Estate (Schedule A).
2. Stocks and Bonds (Schedule B)................................................................................. 2.
3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C).............. 3.
4 f\lortgages & Notes Receivable (Schedule D)............................................................ 4.
5. C ash, Bank Deposits & Miscellaneous Personal Properly (Schedule E).................... 5.
6. .Jointly Owned Property (Schedule F) D Separate Billing Requested.............. 6.
7. I,lter-Vivos Transfers & Miscellaneous Non-Probate Property
(3chedule G) D Separate Billing Requested.............. 7.
8. lotal Gross Assets (total Lines 1-7)........................................................................
1.
12,314.22
231,383.39
8.
243,697.61
21,390.33
5,530.03
26,920.36
216,777.25
9. r uneral Expenses & Administrative Costs (Schedule H)............................................
9.
10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I)...................................
10.
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
en election to tax has not been made (Schedule J)....................................................
12.
13.
14. Net Value Subject to Tax (Line 12 minus Line 13)...................................................
TAX (~OMPUTATION - SEE INSTRUCTIONS FOR APPLICABLE RATES
15. "mount of Line 14 taxable
, t the spousal tax rate, of
t 'ansfers under Sec. 9116
(3)(1.2) X ~ 0 . 0 0
16. "mount of Line 14 taxable
ct lineal rate X .045 21 6 , 777 . 25
17. IImount of Line 14 taxable
, t sibling rate X .12 0 . 0 0
18. "mount of Line 14 taxable
ct collateral rate X .15 0 . 0 0
14.
15.
16.
17.
18.
19. '-ax Due.........................................................
19.
20. ::ILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT.
Side 2
L
1SDSbD42148
216,777.25
0.00
9,754.98
0.00
0.00
9,754.98
D
1SDSbD42148
--.J
REV-l500 EX Page 3
Decedent's Complete Address:
File Number 21-08-00033
DECEDENT'S NAME
Ruth B. Myers
STREET ADDRESS
Country Meadows
4837 E. Trindle Road
- . STATE iZIP
CITY
Mechanicsburg PA 17055
Tax Payments and Credits:
1. Tax Due (Page 1 Line 19)
2. Credits/Payments
A. Spousal Poverty Credit
B. Prior Payments
C. Discount
(1)
9,754.98
9,267.23
487.75
3. Interest/Penalty if applicable
D. Interest
E. Penalty
Total Credits (A + B + C)
(2)
9,754.98
Total Interest/Penalty (0 + E)
4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT.
Check box on Page 2 Line 20 to request a refund
5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE.
A. Enter the interest on the tax due.
B. Enter the total of Line 5 + SA. This is the BALANCE DUE.
(3)
(4)
(S)
(SA)
(SB)
0.00
0.00
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;.......... .......................................................................... DO ,CRJ
b. retain the right to designate who shall use the property transferred or its income;......................................... i2:t
c. retain a reversionary interest; or................................................................................................................... r ~
d. receive the promise for life of either payments, benefits or care?.................................................................. 'I ~
2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without
receiving adequate consideration?............................................................................................................... .......... 0 ~
3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death?............... 0 i5(I
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which
contains a beneficiary designation?............................ ................ ............................................. ............................ I' ~
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)l. 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)J. 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.
Rev-1507 EX+ (6-9! )
'.
' I
., Q. " .
SCHEDULE D
MORTGAGES & NOTES
RECEIVABLE
COM' IONWEAl TH OF PENNSYLVANIA
NHERITANCE TAX RETURN
RESIDENT DECEDENT
Myers, Ruth B.
IFILE NUMBER
21-08-00033
ESTATE OF
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 Promissory Note - Promissory Note from Lisa Ann Sweeney to Decedent. Original 4.500.00
amount borrowed was $4,500.00 (see Note dated July 18, 2007). The note required
interest to be paid only and Borrower made all interest payments up until the time of
Decedent's death. The outstanding balance due and owing is $4,500.00. Attached
hereto is a copy of the Promissory Note and amortization schedule.
2 Promissory Note - Promissory Note from Lisa M. Sweeney to Decedent. The original 7.814.22
principal balance borrowed was $7,821.50. This was an interest only Note. The
monthly payment paid by Borrower also reflected a small payment towards principal.
The outstanding balance owed by Borrower to Decedent at the time of Decedent's
death was $7,814.22. See attached Promissory Note and amortization schedule.
TOTAL (Also enter on Line 4, Recapitulation)
12.314.22
(If more space is needed, additional pages of the same size)
Copyright (c) ::002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule 0 (Rev. 6-98)
Rev-1508 EX+ (6-93)
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
COM ~ONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETIJRN
RESIDENT DECEDENT
Myers, Ruth B.
IFILE NUMBER
21-08-00033
ESTATE OF
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly-owned with the right of survivorship must be disclosed on schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 Citizens Bank - Account No. 6203981412 93.266.70
2 Fulton Bank - Account No. 1218-27759 8,686.96
3 Fulton Bank - Certificate of Deposit No. 022-0220849 60,944.04
4 Fulton Bank - Certificate of Deposit No. 022-0220853 59,914.85
5 PNC Bank - Account No. 50-0497-8121 4.160.34
6 Refund from Country Meadows Resident Account 4.092.04
7 Refund from Fanners Insurance Group 60.18
8 Refund from Highmark Blue Shield 258.28
TOTAL (Also enter on Line 5, Recapitulation)
231.383.39
(If more space is needed, additional pages of the same size)
Copyright (c) :~002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule E (Rev. 6-98)
REV-1151 EX+ (12 99)
'.
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
COMM }NWEAL TH OF PENNSYLVANIA
I~ HERITANCE TAX RETURN
RESIDENT DECEDENT
Myers, Ruth B.
Debts of decedent must be reported on Schedule I.
I FILE NUMBER
21-08-00033
ESTATE OF
ITEM
NUMBER
A. FUNERAL EXPENSES:
DESCRIPTION
AMOUNT
See continuation schedule(s) attached
15,524.63
B.
1.
ADMINISTRATIVE COSTS:
Personal Representative's Commissions
Social Security Number(s) I EIN Number of Personal Representative(s):
Street Address
City
Year(s) Commission paid
State Zip
2.
Attorney's Fees
Michael L. Bangs
5,000.00
3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation)
Claimant
Street Address
City
Relationship of Claimant to Decedent
State
Zip
4.
Probate Fees
364.00
5.
Accountant's Fees
300.00
6. Tax Return Preparer's Fees
7.
Other Administrative Costs
See continuation schedule(s) attached
201.70
TOTAL (Also enter on line 9, Recapitulation)
21,390.33
Copyright (c) :~002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule H (Rev. 6-98)
Rev-1502 EX+ (6-S 3)
SCHEDULE H-A
FUNERAL EXPENSES
continued
COM; AONWEAlTH OF PENNSYLVANIA
NHERITANCE TAX REl1JRN
RESIDENT DECEDENT
Myers, Ruth B.
IFILE NUMBER
21-08-00033
ESTATE or
ITEM
NUMBER DESCRIPTION
1 Creative Catering - funeral luncheon
AMOUNT
507.74
2 Neill Funeral Home, Inc.
14.670.89
3 Pastor Laurie Charles Roberts - graveside honorarium
100.00
4 Rolling Green Cemetery
246.00
Subtotal
15.524.63
Copyright (c) :~002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule H-A (Rev. 6-98)
Rev-1502 EX+ (6-9l)
SCHEDULE H-B7
OTHER
ADMINISTRATIVE COSTS
continued
COM ~ONWEALTH OF PENNSYLVANIA
,NHERITANCE TAX. RETURN
RESIDENT DECEDENT
Myers, Ruth B.
IFILE NUMBER
21-08-00033
ESTATE OF
ITEM
NUMBER
DESCRIPTION
AMOUNT
1
Cumberland Law Journal - estate advertising
75.00
2
The Sentinel - estate advertising
126.70
Subtotal
201.70
Copyright (c).~002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule H-B7 (Rev. 6-98)
Rev-1512 EX+ (6-91)
SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES, & LIENS
COM '"ONWEAlTH OF PENNSYLVANIA
NHERITANCE TAX RETURN
RESIDENT DECEDENT
Myers, Ruth B.
IFILE NUMBER
21-08-00033
ESTATE OF'
Include unreimbursed medical expenses.
ITEM
NUMBER DESCRIPTION
1 BonTon - Credit card payment
VALUE AT DATE
OF DEATH
156.74
2 Country Meadow Associates
5,051.97
3 PA Department of Revenue - Tax due on decedent's 2007 individual income tax
return.
320.00
4 Verizon
1.32
TOTAL (Also enter on Line 10, Recapitulation)
5,530.03
(If more space is needed, additional pages of the same size)
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule J (Rev. 6-98)
REV 1513 EX+ (9-0)
'.
SCHEDULE ..
BENEFICIARIES
COM AONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
NUMBER
Myers, Ruth B.
NAME AND ADDRESS OF
PERSON(S) RECEIVING PROPERTY
TAXABLE DISTRIBUTIONS [include outright spousal
distributions, and transfers
under Sec. 9116(a)(1.2)]
FILE NUMBER
21-08-00033
ESTATE Oi=
RELATIONSHIP TO
DECEDENT
Do Not List Trustee/sl
SHARE OF ESTATE AMOUNT OF ESTATE
(Words) ($$$)
I.
Eric R. Myers
76 Graenest Ridge Road
Wilton, CT 06897
Son
Five percent of
residue
Gary R. Myers
78 Clarke Mill Road
Weare, NH 03281
Son
Five percent of
residue
Kurt J. Myers
111 Bramblewood Lane
Lewisberry, PA 17339
Son
Thirty percent
of residue
Lisa M. Sweeney
307 First Street
Mount Gretna, PA 17064
Daughter
Sixty percent of
residue
Total
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
TOTAL OF PART 11- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET
0.00
Copyright (c) 2002 form software only The Lackner Group, Inc.
Form PA-1500 Schedule J (Rev. 6-98)
~
---.a
Promissory Note
I Amou.,t $ 9,012.13 priucips! aDd iuterest
FOR V ALUE RECEIVED, the undersigned, Lisa Ann Sweeney (Borrower), maintaining an address at
P.O. Box 124. Mt. Gretna. Pa.. 17064 (Borrower's Address) promises to pay to the order of Ruth B. Myers
(Lende"), whose address is 4837 Trindle Road. Apt. 205. Mechanicsburg. Pa.. 17050 (Lender's Address), the
principal sum of$7.821.50 (principal), together with interest of3% (Interest Rate) per year thereon from the date
herein.
Date September 27,-2006
The unpaid Principal and accrued interest shall be paid in monthly installments of $20.00 each, with the first
paymellt due on October 27.2006 and the same amount due on the same day of each month thereafter for the next
60 con~,ecutive months. The remaining balance with the accrued but unpaid interest shall be fully paid on or
before :Jctober 27. 2011.
All or my part of the Principal may be prepaid at any time and from time to time without penalty. Payments shall
be appl ied first to accrued interest and the balance to the Principal.
In the event of any default by the Borrower in the payment of Principal or interest after demand is made, the
unpaid balance of the Principal of this promissory note shall, at the option of the holder, become immediately due
and payable. Any amount due at the time of default, shall accrue interest until payment at the rate of fifteen
percent (15%) per year or the highest rate permitted by law, whichever is less.
Upon default in making payment within 7 days of demand, Borrower agrees to pay all reasonable legal fees and
costs 0' collection to the extent permitted by law.
- I
- Borrower and all other persons who may become liable for the payment hereof severally waive demand,
presentm.ent, protest, notice of dishonor or nonpayment, notice of protest, and any and all lack of diligence or
delays :n collection, which may occur.
All payments hereunder shall be made to such address as may from time to time be designated by any holder and
must be made in United States funds.
Borrower and all other parties to this note, whether as endorsers, guarantors or sureties, agree to remain fully
bound until this note shall be paid in full and waive demand, presentment and protest and all notices hereto.
Borrower further agrees to remain bound by this note notwithstanding any extension, modification, waiver, or
other ir.dulgence, failure, discharge or release of any obligation hereunder.
The ho der's failure to exercise any right or option hereunder does not constitute a waiver of any future right or
option.
No modification to this document or indulgence by any holder hereof shall be binding unless in writing.
If any provision of this Note is deemed unenforceable, in whole or in part, for any reason, the remaining
provisions shall still remain in full force and effect.
This nete shall take effect as a sealed instrument and is made and executed under, and is in all respects governed
by, the laws of: of the Commonwealth of Pennsylvania.
A~~
(~<Jre of Borrower)
Lisa Alm Sweeney
Page lof2
Page 2 of2
Loan Collateral: 1996 Volvo 850 GLT Sedan 4 door
VIN# YVILS5510T1288035
Titled ill the name of Lisa Ann Sweeney
Iff~
,.....------------.--
...ompoLnd Period ........: Monthly
Nominal Annual Rate .... :
EffectivE Annual Rate ... :
Periodic Rate ..................:
Daily Rate ....................... :
3.000 %
3.042 %
0.2500 %
0.00822 %
CASH FLOW DATA
10/24/2006 Page 1
Event
1 Lclan
2 Payment
3 Payment
-~_._-_._---
Start Date Amount Number Period End Date
--- -~-..__._-
09/27/2006 7,821.50 1
1 0/27/2006 20.00 60 Monthly 09/27/2011
10/27/2011 7,812.13 1
AMORT,ZA TION SCHEDULE - Normal Amortization
D;:!te Payment Interest Principal
----
Loan ml/27/2006
Vi 1 ClI27/2006 I tI, /1)1 20.00 19.55 0.45
V'2 1'/27/2006 Ill,!tJ6 20.00 19.55 0.45
l/3 1 ;:/27/2006 1/ /..; i (J-; 20.00 19.55 0.45
2006 Totals 60.00 58.65 1.35
l/"'- 0' /27i2007 1/1-(..' /1J7 20.00 19.55 0.45
vb 0:~/27 12007 j' / j I ,; '] 20.00 19.55 0.45
t./f) 0~,/27/2007 3/q/tJ] 20.00 19.55 0.45
Vr 01../27/2007 '//2...1/ "7 20.00 19.55 0.45
L./8 Ofi/27/2007 ~/l? In 20.00 19.55 0.45
1/9 0(i/27/2007 {! rl) (!7 20.00 19.54 0.46
00 0,'/27/2007.?/Ldf.:'? 20.00 19.54 0.46
,../11 OU27/2007.1/7.. r/I.:7' 20.00 19.54 0.46
02 ml/27 /2007 r~ I' n _/ c~ 20.00 19.54 0.46
V13 1 (1127/2007 /b/1-tlj (/7 20.00 19.54 0.46
a/14 1'/27/2007 It! J9/o7 20.00 19.54 0.46
~ 5 1 ~:/27/2007 iz.-/L./ / tl7 20.00 19.54 0.46
2007 TCJtals 240.00 234.53 5.47
16 0'/27/2008 20.00 19.54 0.46
17 0;:/27/2008 20.00 19.54 OA6
18 0~,/27 12008 20.00 19.53 0.47
1 9 OLI27/2008 20.00 19.53 0.47
20 Ofi/27/2008 20.00 19.53 0.47
21 06/2712008 20.00 19.53 0.47
22 0~'/27/2008 20.00 19.53 0.47
23 0fi/27/2008 20.00 19.53 0.47
24 m,/27/2008 20.00 19.53 0.47
25 1 CJ/27/2008 20.00 19.53 0.47
26 1 - /27/2008 20.00 19.53 0.47
Balance
7,821.50
7,821.05
7,820.60
7,820.15
7,819.70
7,819.25
7,818.80
7,818.35
7,817.90
7,817.44
7,816.98
7,816.52
7,816.06
7,815.60
7,815.14
7,814.68
7,814.22
7,813.76
7,813.29
7,812.82
7,812.35
7,811.88
7,811.41
7,810.94
7,810.47
7,810.00
7,809.53
'-
-"
~MMMMMMMMOOMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM
""""ftftftft""""ftn"ftn""""""""""""""""""""""""""""
PROMISSORY NOTE
Amount $5,872.50 principal and.interest
Date July 18th 2007
FOR VALUE RECEIVED, the undersigned, Lisa Ann Sweeney, (Borrower), maintaining an address at P.O.
Box 124, Mt. Gretna, PA., 17064 promises to pay to the order of Ruth B. Myers (Lender), whose address is
4837 Trindle Road, Apt 205, Mecbanicsburg, PA, 17050, the principal sum of $4,500.00, together with
interest of 6% (Interest Rate) per year thereon from the date herein.
The unpaid principal and accrued interest shall be paid in monthly installments of $22.50 each, with the first
payment due on August 18, 2007 and the same amount due on the same day of each month thereafter for the
next 60 consecutive months. The remaining balance with the accrued but unpaid interest shall be fully paid
on or before August 18, 2012.
All or any part of the Principal may be prepaid at any time and from time to time without penalty. Payments
shall be applied first to accrued interest and the balance to the Principal.
In the event of any default by the Borrower in the payment of Principal or interest after demand is made, the
unpaid balance of the Principal of the promissory note shal~ at the option ofthe holder, become
innnediately due and payable. Any amount due at the time of default, shall accrue interest until payment at
the rate oftifteen percent (15%) per year or the highest rate permitted by law, whichever is less.
Upon default in making payment within 7 days of demand, Borrower agrees to pay all reasonable legal fees
and costs of collection to the extent pennitted by law.
-Bom>werandall other persons who maybec{)DlCJiable-for-ilie..payment hereofsevenilly~ve demand,
presentment, protest, notice of dishonor Ol'l1onpaylDetlt, notice of protest, and any and all lack of diligence
or delays in collection, which may occur.
All payments hereunder shall be made to such address as may,rom time to time be designated by any
holder and must be made in United States funds.
Borrower and all parties to this note, whether as endorsers, guarantors or sureties, agree to remain fully
bound until this note shall be paid in full and waive demand, presentment and protest and all notices hereto,
Borrower further agrees to remain bound by this note notwithstanding any extension, modification, waiver,
or other indulgence, failure, discharge or release of any obligation hereunder.
The holder's failure to exercise any right or option hereunder does not constitute a waiver of any future
right or option.
No modification to this document or indulgence by any holder hereof shall be binding unless in writing.
If any provision of this Note is deemed unenforceable, in whole or in part, for any reason, the remaining
provisions shall still remain in fun force and effect.
This note shall take effect as a sealed instrument and is made and executed under, and is in all respects
governed by, the laws of: the Commonwealth of Pennsylvania.
~~
Signature of Borrower
Lisa Ann Sweeney
ItJIY]MMMMMMMMDQMDQMM~MMMMMMMMMMMMMMMMMMMMDclDclMDclDclDclDclDcl
""ftn""""""""""ftn"""""""""""""""""""""""""""""
------
07/18/2007 Page 1
Compound Period ........: Monthly
Nominal Annual Rate .... :
Effective Annual Rate ... :
Periodic :~ate .................. :
Daily Rate ....................... :
6.000 %
6.168 %
0.5000 %
0.01644 %
CASH FLOW DATA
Number Period
End Date
EV'3nt
1 Lo.m
2 Pa {ment
3 Pa {ment
Start Date
07/18/2007
08/18/2007
08/18/2012
Amount
4,500.00
Interest Only
4,522.50
1
60 Monthly
1
AI',;ORTIZATlON SCHEDULE - Normal Amortization
Dace Payment Interest Principal
Loan 07,18/2007
'/1 08/18/2007 ;;- /:" - .-;" 11''''.- 22.50 22.50 0.00
t. .f -;. ' ~
/2 09/18/2007 .., . 22.50 22.50 0.00
" -- - -
V3 10/18/2007 /CIU-/ OJ 22.50 22.50 0.00
v1L11/18L2007-d1 g.kl- 22.50_ ~ _ _ -. .22.51>__ ..'_. .. - 0.00
v 5 12/18/2007 11-/2.J / f7 22.50 22.50 0.00
2007 T ot31s 112.50 112.50 0.00
6 01/18/2008 22.50 22.50 0.00
7 02118/2008 22.50 22.50 0.00
8 03/18/2008 22.50 22.50 0.00
9 04/18/2008 22.50 22.50 0.00
10 05/18/2008 22.50 22.50 0.00
11 06/18/2008 22.50 22.50 0.00
12 07/ 18/2008 22.50 22.50 0.00
13 08/18/2008 22.50 22.50 0.00
14 09/18/2008 22.50 22.50 0.00
15 1 on 8/2008 22.50 22.50 0.00
16 11r!8/2008 22.50 22.50 0.00
17 12n 8/2008 22.50 22.50 0.00
2008 Totals 270.00 270.00 0.00
18 01/'18/2009 22.50 22.50 0.00
19 02/'; 8/2009 22.50 22.50 0.00
20 03/',8/2009 22.50 22.50 0.00
21 04/'18/2009 22.50 22.50 0.00
22 05t' 8/2009 22.50 22.50 0.00
23 06/" 8/2009 22.50 22.50 0.00
24 07 t. 8/2009 22.50 22.50 0.00
25 08/' 8/2009 22.50 22.50 0.00
26 09/' 8/2009 22.50 22.50 0.00
07/18/2012
Balance
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
4,500.00
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o PNCBAN<
The ThinkIng Behind The Money
March 7, 2008
Micbael L Bangs
Attorney at Law
429 S 18th St
Camp Hill, PA 17011
RE: Ruth B Myers (Deceased)
SSN:
DaD: Ol~05@2008
Dear Mr. Bangs;
In response to your request for Date of Death balances for the customer noted above, our
records show the following:
Savings Account
Account # 5004978121
Established 08-14-2006
RUTH B MYERS
DOD balance: $4,160.34 + .5.92 accrued interest
Please note that this office only provides date of death balances for deposit accounts
(IRAs, CDs, Checking and Savings accounts). We db Dbt proeea any fi.~
traD88etiODJ or provide statements. If you need assistance with any of these items,
please call 1-888-PNC-BANK (1-888-762-2265) or stop by your local PNC Bank: branch
office.
Sirl~A ,~.
co~
1-800-762-1775
P7-PFSC-04-F
500 First Ave
Pittsburgh, PA 15219
Member FDIC
Page I ofl
Fulton Bank
LISTENING.
.h nuary 25, 2008
B mgs Law Office
4:~9 South 18th Street
C Imp Hill, Pennsylvania 17011
O.::ar Mr. Bangs:
RE: Ruth B. Myers, deceased January 5, 2008
1n response to your recent inquiry concerning the accounts maintained in the name of
the decedent, please be advised that the following accounts were open at the date of death:
Visa # 47562119 19003419, open December 1985, credit limit $9,700.00,
date of death balance owing $-0-, in her name only.
Checking # 1218-27759, open 1/7/1983, date of death balance $8,686.96
(any accrued interest ($ .56) would not have been payable had the account
been closed on the date of death) Kurt 1. Myers as Power of Attorney.
Interest paid year to date of death $-0-.
DATE OF DEATH ACC
C'I># BALANCE INT RATE OPEN
0:22-0220849 $60,944.04 $300. 11 4.17% 5/23/2005
* ill her name only. Interest paid year to date of death $-0-.
022-0220853 $59,914.85 $1,888.40 4.99% 5/23/2005
* III her name only. Interest paid year to date of death $-0-.
ROLL OVER
11/23/2007
IVlA TURITY
11/23/2008
5/23/2007
5/23/2008
If you should have any further questions, please do not hesitate to contact me at (717)
2(' 1-2437.
':Ft blJ;s1n<;ss cnurt0'sy
Very truly yours,
~ bd).GGonc..a.J
Karen D. Hille;n
Credit Inquiry Processor
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FultoLBank
POBox 4887
Lancaster, PA 17604
125YMt<SANllSllLL _ISTENING.
fultonbank.com
1-800-FULTON-4
~I Citizens Bank-
525 William Penn Place
Suite 153-2618
Pittsburgh, PA 15219
February 14, 2008
BANGS LAW OFFICE
429 SOUTH 18TH STREET
CAIviPHILL PA 17011
Est~ te of RUTH B MYERS
Dat,~ of Death: Jan 05, 2008
SSN:
Dear Sir/Madam:
In a;;cordance with your request, attached please find the corrected date of death values and year to date
interest information sheet for the above decedent's name as of his/her date of death.
For IL or LC accounts, contact our Loan Department at 1-800-708-6680. For all other inquiries, please
call 1-888-999-6884
Sincerely,
ChlIyl EI-Walker
Operations Services
. .
~~ Citizens Bank'"
Account Number 6203981412
Account Title RUTH B MYERS
Datt Opened 6/17/2003
Account Type Checking
Prin::ipal Balance as ofDOD $93266.70
I Interest from Last Posting to DOD $.00
Acc.mnt Balance as of DOD $93266.70
YTD Interest to DOD $.00
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WILL OF RUTH B. MYERS
I, RUTH B. MYERS, of Hampden Township, Cumberland County,
Pennsylvania, declare this to be my Will and revoke all prior Wills and Codicils.
FIRST: Tangible Personal Property.
I give all tangible personal property owned by me at my death and all
insurance policies on such property as follows:
(a) To those individuals who survive me by thirty days who are designated on
a list or memorandum signed by me which refers to this Will or is found with a copy
tl' ereof, the items listed beside their names; provided that no such list or
memorandum shall be valid unless it is received by my Executor within sixty days of
my Executor's qualification.
(b) The balance (including any item under subparagraph (a) the bequest of
w 1ich has lapsed) to my daughter, LISA M. SWEENEY, of Mt. Gretna,
Pennsylvania, provided she survives my by thirty days, and if she does not so survive
me, in as nearly equal shares as possible to such of my remaining children as survive
me by thirty days, to be divided among them as they may agree. Any items not
selected by my children shall be sold and the net proceeds used to equalize shares.
A1Y disputes concerning this or any other method of allocation shall be resolved by
my Executor, in my Executor's discretion.
(c) My Executor shall pay, as an expense of settling my estate, all costs of
delivering such tangible personal property, including the costs of packaging, delivery
al ld insurance.
SECOND: Residue.
I give the residue of my estate to the following persons and in the following
sl' ares:
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(a) My daughter, LISA M. SWEENEY, sixty (60%) percent thereof, provided
she sUlvives me by thirty days, and in default thereof, to my granddaughter, ERIN C.
S\VEENEY, of Mt. Gretna, Pennsylvania, provided she survives me by thirty days.
In the event neither my daughter or granddaughter survive me by thirty days, such
sh lre shall pass instead to those of my sons who survive me by thirty days in the
sa:ne relative percentages as hereinafter set forth;
(b) My son, KURT 1. MYERS, of Lewisberry, Pennsylvania, thirty (30%)
percent thereof, provided he survives me by thirty days, and in default thereof, such
share shall pass in accordance with Item Second (a) of my Will;
(c) My son, GARY R.MYERS, of Weare, New Hampshire, five (5%) percent
th~reof, provided he survives me by thirty days, and in default thereof, such share
shall pass in accordance with Item Second (a) of my Will;
(d) My son, ERIC R. MYERS, of Wilton, Connecticut, five (5%) percent
thereof, provided he survives me by thirty days, and in default thereof, such share
shall pass in accordance wit.h Item Second (a) of my Will.
THIRD: Trust. for Erin C. Sweeney.
Provided she has not attained the age of twenty-five at the time for
distribution to her, any share of my estate which passes to my granddaughter, ERIN
C SWEENEY, shall be held by my hereinafter named Trustee, IN TRUST, for the
following uses and purposes:
(a) To pay to my granddaughter on each quarterly or more frequent
distribution date so much of the net income as my Trustee, in Trustee's absolute
discretion, deems advisable. The distribution of income on any distribution date
sf.all not establish a pattern for any other distribution date. All net income not so
p;,id shall be accumulated and added to principal.
(b) To pay to or apply for t.he benefit of my granddaughter as much of the
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principal as my Trustee deems advisable for her maintenance, education, health and
su~port after first considering funds available to her from other sources;
(b) Upon my granddaughter having attained the age of twenty-five, this trust
sh 111 terminate, and my Trustee shall distribute the remaining principal and any
accumulated or undistributed income to my granddaughter. Should my
granddaughter die prior to attaining the age of twenty-five, this trust shall terminate,
and my Trustee shall distribute the remaining principal and any accumulated or
uLdistributed income to the persons and in the shares set forth in Item Second of my
Yvill.
FOURTH: Spendthrift Provision.
Until distributed, no gift or beneficial interest shall be subject to anticipation
OJ to voluntary or involuntary alienation.
FIFTH: Death Taxes.
All death taxes (and interest and penalties thereon) imposed upon any
p.operty passing under my Will or otherwise shall be paid out of my residuary estate.
SIXTH: Administrative Powers.
My Executor shall have the following powers in addition to those conferred by
lcw until all property is distributed:
(a) To retain any real or personal property in the form received and to sell it at
public or private sale.
(b) To manage real estate.
(c) To purchase all forms of property without being confined to so-called legal
iwestments and without regard for the principle of diversification.
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(d) To exercise any option or rights arising from ownership of investments.
(e) To compromise claims without order of court or consent of any legatee.
(f) To distribute in cash or in kind.
(g) To employ accountants, agents, investment counsel, brokers, bank or trust
company to perform services for and at the expense of my estate and to carry or
register investments in the name of the nominee of such agent, broker, bank or trust
company. The expenses and charges for such services shall be charged against
prillcipal or income or partly against each as my Executor may determine. My
Executor is expressly relieved of any liability or responsibility whatsoever for any act
or iailure to act by, or for following the advice of, such accountants, agents,
inv~stment counsel, brokers, bank or trust company, so long as my Executor exercises
dUt, care in their selection. The fact that an Executor may be a member, shareholder
or (~mployee of any accounting, investment or brokerage firm, agent, or bank or trust
conpany so employed shall not be deemed a conflict of interest. Any compensation
pad pursuant to this subparagraph shall not affect in any manner the amount of or
the right of my Executor to receive commissions as a fiduciary.
(h) With respect to the interest vesting in a beneficiary who, in the opinion of
111y Executor, is incapacitated by reason of age (other than minority) or illness
(m~ntal or physical) when such interest vests in him or her: to hold the interest
du:ing his or her incapacity and to invest the interest and all accumulations thereon;
to apply so much of the income and principal as my Executor deems advisable for
such beneficiary's benefit for any reason without considering other funds available to
him or her; and to deliver the balance of principal and income to the beneficiary at
sud1 time as he or she gains capacity. In addition, at any time to pay the entire
in1 erest to the guardian of the estate of the incapacitated beneficiary to hold for his
or her benefit. The receipt of a guardian or such other person as may be selected by
m)' Executor to receive a distribution under this subparagraph shall be a full and
co 11plete discharge to my Executor.
F:\I.W'0RK\\'ill LLS\G090903C, W'PD
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SEVENTH: Definitions.
(a) The words "Executor" and "Guardian" when used herein shall include all
gecders and the singular and plural as the context may require,
(b) Paragraph headings in this Will are for reference only and shall not affect
the meaning, construction or effect of this Will.
EIGHTH: Trustee.
I appoint my son, KURT J. MYERS, Trustee of the trust, if any, created by my
Will. In the event my son, KURT J. MYERS, fails to qualify or ceases to act for any
reason, I appoint my daughter-in-law, ANN H. MYERS, of Leewisberry,
Pennsylvania, Trustee.
NINTH: Executor.
I appoint my son, KURT J. MYERS, Executor. If my son fails to qualify or
ce2ses to act for any reason, I appoint my daughter, LISA M. SWEENEY, Executor in
his place. My Executor shall not be required to post security in any jurisdiction.
IN WITNESS WHEREOF, I have hereunto set my hand this J 7 day of
--2L-z'J 2 ' , 2003.
/
'1:?-A~ t3.Y11~
RUTH B. MYERS
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The preceding instrument, consisting of this and four other typewritten pages,
elch identified by the signature of the testatrix was on the date thereof signed,
published, and declared by RUTH B. MYERS, the testatrix therein named, as and for
her last Will, in the presence of us, who at her request, in her presence, and in the
presence of each other, have subscribed our names as witnesses hereto.
~at/~
. G RGE A. V GHN, III
"-1 (~, ~ ~TL..~
NANCY L. B STLINE
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COMMONWEALTH OF PENNSYLVANIA )
( 55.:
COUNTY OF CUMBERLAND )
, ',' 'C""'''''~:'='''~""'''''":_<'' ,,,-...J
I, RUTH B. MYERS, being the testatrix whose name is signed to the foregoing
in:ltrument, having been duly qualified according to law, do hereby acknowledge that
I ~igned and executed the foregoing instrument as my last Will; that I signed it
willingly; and that I signed it as my free and voluntary act for the purposes therein
expressed.
SHorn or affirmed to and acknowledged
before me by the testatrix named above
this'7I/dayof -:5}e;J.lr?n~/C ,2003.
2. ~
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N.)tary Public~
~~"$. M~
RUTH B. MYERS
Notarial Seal
Diane B. Jenkins, Notary Public
Hampden Twp., Cumberland County
My Commission Expires May 22, 2004
Member, Pen"~'<Ilv"- ,':"i:\2:,'C'::iation of Notaries
COMMONWEALTH OF PENNSYLVANIA )
( 55.:
COUNTY OF CUMBERLAND )
WE, GEORGE A. VAUGHN, III, and DIANE B. JENKINS, the witnesses
whose names are signed to the foregoing instrument, being duly qualified according
to law, do depose and say that we were present and saw the testatrix sign and execute
th~ instrument as her last Will; that she signed it willingly; that she executed it as her
fn e 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
Ollr knowledge, the testatrix was at the time eighteen or more years or age, of sound
mmd, and under no constraint or undue influence.
~t?~~~
GE GE A. V GHN, III
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NANCY L. B TUNE
Sworn or affirmed to and
ac;,nowledged before me this /7"5 day
of ('){;/J~l7P6C- ,2003.
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Nc,tary Publi /
Notarial Seal
Diane B. Jenkins, Notary Public
Hampden Twp., Cumberland County
My Commission Expires May 22, 2004
Member, PennSVlvante ,.o,ssociation ot Notaries
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