HomeMy WebLinkAbout04-28-08 (2)
BRANCH OFFICE:
3 WEST MONUMENT SQUARE, SUITE 304
lEWISTOWN, PA 17044
(717) 248-6909
STACEY L. NACE
Paralegal/Office Manager
TRACI L. SEPKOVIC
Paralegal
VALERIE LONG
Paralegal
TRACI L. SHERIDAN
Paralegal
LAW OFFICES OF
GATES, HALBRUNER &- HATCH, P.C.
LOWELL R. GATES, LL. M.
ll. M. in Taxation
Also Admitted to Massachusetts Bar
MARK E. HALBRUNER
CRAIGA.HATCH,CELA
Certified as an Elder law Attorney by
the National Elder law Foundation
CUFTON R. GUISE
Also Admitted to practice before the
U.S. Patent & Trademark Office
SARAH E. McCARROLL
1013 MUMMA ROAD . SUITE 100 . LEMOYNE, PENNSYLVANIA 17043
(717) 731-9600 . FAX; (717) 731-9627
CORRESPONDENCE ADDRESS:
Lemoyne Office
WEB SITE:
www.GatesLawFirm.com
April 25, 2008
Cumberland County Courthouse
Office of the Register of Wills
One Courthouse Square
Carlisle, P A 17013
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RE: Estate of Joseph P. BeD
Estate No. 21-07-0753
Dear Register of Wills:
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Enclosed for filing are the Pennsylvania inheritance tax return (in duplicate) and Inventory
for the Estate of Joseph P. Beil. There is no tax liability due on the return.
Please time-stamp the photocopy of each document and return them to our office in the
enclosed envelope.
Please also find enclosed a check in the amount of$30.00 as payment for the filing fee of the
Pennsylvania inheritance tax return and Inventory.
Please notify Attorney Lowell R. Gates or myself if you need any additional information.
Thank you for your assistance in this matter.
Sincerely,
~;~
Traci L. Sheridan
Paralegal
Enclosures
cc: LeAnne E. Beil, Executrix
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REV -1500 EX (06-05)
P A Department of Revenue
Bureau of Individual Taxes
PO BOX 280601
Harrisburg, PA 17128-0601
15056041158
INHERITANCE TAX RETURN
RESIDENT DECEDENT
OFFICIAL USE ONLY
County Code Year
21 07
File Number
0753
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death
Date of Birth
202-46-5176
07262007
01191958
Decedent's Last Name
Suffix
Decedent's First Name
BElL
JOSEPH
MI
P
(If Applicable) Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix
Spouse's First Name
MI
Spouse's Social Security Number
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE BOXES BELOW
[K] 1. Original Return
o 4. Limited Estate
[]] 6. Decedent Died Testate
(Attach Copy of Will)
o 9. Litigation Proceeds Received
Future Interest Compromise (date of
death after 12-12-82)
Decedent Maintained a Living Trust
(Attach Copy of Trust)
Spousal Poverty Credit (date of death
between 12-31-91 and 1-1-95) (Attach 5ch. 0)
CORRESPONDENT - THIS SECna. MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
02.
04a.
D 7.
010.
5. Federal Estate Tax Return Required
Supplemental Return
o
D
3. Remainder Return (date of death
prior to 12-13-82)
II- 8. Total Number of Safe Deposit Boxes
D 11. Election to tax under Sec. 9113(A)
LOWELL R. GATES, ESQ.
717-731-9b~ ~
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REGISTER. S USE ONW
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Firm Name (If Applicable)
GATES, HALBRUNER & HATCH, p.C.
First line of address
1013 MUMMA ROAD, SUITE 100
Second line of address
.,' ( ~
City or Post Office
State
ZIP Code
DATE FILED
f\;)
I;
LEMOYNE
PA
17043
Correspondent's e-mail address: L. R · GAT E S il GAT E S LAW FIR M . COM
Under enalties 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 t ,orrect and complete. Declaration 0 rep\l'er oth han the personal representative is based on all information of which preparer has any knowledge.
D III RN D
MECHANICSBURG, PA
100 LEMOYNE, PA 17043
PLEASE USE ORIGINAL FORM ONLY
Side 1
L
15056041158
6M4647 3.000
15056041158
---I
~
Estate of
.
.
202-46-5176
Executors (Page 1)
Name
Address
Tax ID
LeAnne E. Beil
22 Royal Palm Drive
Mechanicsburg, PA 17050-
209-48-9061
.
..J
15056042159
REV.1500 EX
Decedent's NameB ElL
RECAPITULATION
JOSEPH
1. Real estate (Schedule A) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.
2. Stocks and Bonds (Schedule B). . . . . . . . . . . . . . . . . . . . . . . . . . 2.
3. Closely Held Corporation, Partnership or SoIe.Proprietorship (Schedule C). . . . . . ~.
4. Mortgages & Notes Receivable (Schedule D). . . . . . . . . . . . . . . . . . . . 4.
5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E). .
6. Jointly Owned Property (Schedule F) D Separate Billing Requested
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property
(Schedule G) D Separate Billing Requested
. . .5.
.6.
.7.
8. Total Gross Assets (total Lines 1.7). . . . . . . . . . . . . . . . . .
.8.
9. Funeral Expenses & Administrative Costs (Schedule H). . . . . . . . . . . . . . . 9.
10. Debts of Decedent, Mortgage Liabilities. & Liens (Schedule I). . . . . . . .
11. Total Deductions (total Lines 9 & 10). . . . . . . . . . . . . . . . . . .
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 ta>lable
at the spousal tax rate, or
transfers u~er See. 9116
(a)(1.2) X .0_ 0 · 00
16. Amount of Line 141a>lable
at lineal rate X .O~ 0 · 00
17. Amount of Line 14 ta>lable
at sibling rate X .12 0 . 0 0
18. Amount of Line 14 ta>lable
at collateral rate X .15 0 . 0 0
19 . TAX DUE . . . . . . . . .
. . . . . . . . . . .. 19.
20. FILL IN THE BOX IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT
Side 2
L
15056042159
6M4648 2.000
.
Decedent's Social Security Number
202-46-5176
P
187000.00
0.00
0.00
0.00
21302.72
0.00
10.
0.00
208302.72
28092.20
330727.54
358819.74
-150517.02
0.00
-150517.02
11.
15.
0.00
16.
0.00
0.00
0.00
17.
18.
0.00
D
15056042159
.-J
.
Ale Number
0753
.
REV.1500 EX Page 3
Decedent's Complete Address:
DECEDENrS NAME
BElL JOSEPH P
STREET ADDRESS
4 BRlARGATE ROAD
CUMBERLAND
CITY IISTATE I: ZIP
MECHANICSBURG PA 17050-
Tax Payments and Credits:
1. Tax Due (Page 2 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 + B + C) (2)
0.00
3. InteresUPenalty if applicable
D. Interest
E. Penalty
0.00
0.00
0.00
TotallnterestlPenalty (0 + E) (3)
4. If line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT.
Fill in box on Page 2. 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
0.00
A. Enter the interest on the tax due. (SA)
0.00
B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (58)
Make Check Payable to: REGlSTEROFWlLLS,AGENT
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
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 rewrsionary 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
without receiving adequate consideration? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? .
4. Did decedent own an Individual Retirement Account. annuity, or other non-probate property which
contains a beneficiary designation? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Yes
B
B
o
o
o
No
00
~
00
00
[Xl
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
F or 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.
F or 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 use of a natural parent, an
adoptive parent. or a stepparent of the child is zero (0) percent [72 P.S. 99116(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. 99116(1.2) [72 P.S. 99116(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. 99116(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.
6M4671 1.000
REV-1502 EX + (&.98)
.
SCHEDULE A
REAL ESTATE
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
FILE NUMBER
Jose~h P. Beil 21 07 0753
All real property owned sofely or as. tenant In common must be reported at fair market value. Fair market value is defined as the price at W\ich property would be
exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both h8\ling reasonable knOlMedge of the relevant facts.
Real property which Is jolntly-owned with right of survivorship must be disclosed on Schedule F.
ITEM DESCRIPllON
NUMBER
1. 4 Briarqate Road, Mechancisburq, PA (house owned by
deceden t)
VAlUE AT DATE
OF DEATH
187,000.00
3W4695 1.000
TOTAL (Also enter on line 1, Recapitulation)
(If more space is needed. insert additional sheets of the same size)
$
187,000.00
REV-1503 EX ... (6-98)
.
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESlDEl'lT" DECEDENT
ESTATE OF
SCHEDULE B
STOCKS & BONDS
FILE NUMBER
Joseph P. Beil
21 07 0753
All property Jointly-owned with right of survivorship must be disclosed on Schedule F.
ITEM
NlMBER
1. None
t:ESCRIPTION
VALUE AT DATE
OF DEATH
3W46961.oo0
TOTAL (Also enter on line 2, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
0.00
REV.1504 EX + (6-98)
.
.
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
SCHEDULE C
CLOSEL V-HELD CORPORATION,
PARTNERSHIP OR SOLE-PROPRIETORSHIP
ESTATE OF
FILE NUMBER
Joseph P. Beil
2107 0753
Schedule C-1 or C-2 (including all supporting information) must be attached for each closely-held corporation/partnership interest of the decedent, other than a
sole-proprietorship. See instructions for the supporting information to be submitted for sole-proprietorships.
ITEM
NlfJIBER
1.
DESCRIPTION
VALUE AT
DATE OF DEATH
None
3W46971.000
TOTAL (Also enter on line 3, Recapitulation)
(If more space is needed, insert additional sheets of the same size)
$
0.00
REV-1505 EX + (6-98)
.
.
COMMONWEAL lH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
SCHEDULE C-1
CLOSELY-HELD CORPORATE
STOCK INFORMATION REPORT
FILE NUMBER
Joseph P. Beil
21 07 0753
1. Name of Corporation
Address
City State
2. Federal Employer 1.0. Number
3. Type of Business
Zip Code
State of Incorporation
Date of Incorporation
Total Number of Shareholders
o
Business Reporting Year
Product/Service
4.
STOCK
TYPE
Voting/Non-Voting
TOT AL NUMBER OF
SHARES oursr ANDING
PAR VALUE
NUMBER OF SHAReS
OWNED BY THE DECEDENT
Common
Preferred
Provide all rights and restrictions pertaining to each class of stock.
5. Was the decedent employed by the Corporation~ . . . . . . . . . . . . . . . . . . . . . . .. 0 Yes
o No
If yes, Position
Annual Salary $
0.00 Time Devoted to Business
6. Was the Corporation indebted to the decedent? .
If yes, provide amount of indebtedness $
. .. 0 Yes
o No
0.00
7. Was there life insurance payable to the corporation upon the death of the decedent? .
.. 0 Yes 0 No
If yes, Cash Surrender Value $
Owner of the pOlicy
o . 00 Net proceeds payable $
0.00
8. Did the decedent sell or transfer any stock in this company within one year prior to death or within two years if the date of death was prior to 12-31-82?
o Yes 0 No If yes, 0 Transfer 0 Sale Number of Shares 0
Transferee or Purchaser Consideration $ 0.00 Date
Attach a separate sheet for additional transfers and/or sales.
9. Was there a written shareholder's agreement in effect at the time of the decedent's death?. DYes
If yes, provide a copy of the agreement.
ONo
10. Was the decedent's stock sold? . . . . .
If yes, provide a copy of the agreement of sale, etc.
11. Was the corporation dissolved or liquidated after the decedent's death? . . . . . . . . . . .. 0 Yes D No
. . . . . . . . . . . . . . . . . . . . . .. 0 Yes
ONo
If yes, provide a breakdown of distributions received by the estate, including dates and amounts received.
12. Did the corporation have an interest in other corporations or partnerships? . . . . . . . . . . .0 Yes 0 No
If yes, report the necessary information on a separate sheet, including a Schedule C-1 or C-2 for each interest.
THE: FOLLOWING INFORMATION MUST BE SUBMITTED WITH THIS SCHEDULE
A. Detailed calculations used in the valuation of the decedent's stock.
B. Complete copies of financial statements or Federal Corporate Income Tax returns (Form 1120) for the year of death and 4 preceding years.
C. If the corporation owned real estate, submit a list showing the complete address/es and estimated fair market value/s. If real estate appraisals have been
secured, attach copies.
D. List of principal stockholders at the date of death, number of shares held and their relationship to the decedent.
E List of officers, their salaries, bonuses and any other benefits received from the corporation.
F. Statement of dividends paid each year. List those declared and unpaid.
G Any other information relating to the valuation of the decedent's stock.
(If more space is needed, insert additional sheets of the same size)
4W4698 1.000
REV-15Q6 EX + (9-00)
.
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE C-2
PARTNERSHIP
INFORMATION REPORT
ESTATE OF
FILE NUMBER
Joseph P. Beil
1. Name of Partnership
Address
21 07 0753
Date Business Commenced
Business Reporting Year
State Zip Code
City
2. Federal Employer I.D. Number
3. Type of Business
Product/Service
4. Decedent was a D General 0 limited partner. If decedent was a limited partner, provide initial investment $
0.00
5.
PARTNER NAME
PERCENT OF
INCOME
A.
B.
C.
D.
6. Value of the decedent's interest $
7. Was the Partnership indebted to the decedent? .
If yes, provide amount of indebtedness $
0.00
. . . . . . . . . . . 0 Yes
D No
0.00
8. Was there life insurance payable to the partnership upon the death of the decedent? . 0 Yes D No
If yes, Cash Surrender Value $
Owner of the policy
9. Did the decedent sell or transfer an interest in this partnership within one year prior to death or within two years if the date of death was
prior to 12-31-82?
DYes 0 No If yes, D Transfer 0 Sale Percentage transferred/sold 0.0000
0.00 Net proceeds payable $
0.00
Transferee or Purchaser
Attach a separate sheet for additional transfers and/or sales.
Consideration $
o . 00 Date
10. Was there a written partnership agreement in effect at the time of the decedent's death?
If yes, provide a copy of the agreement.
o Yes 0 No
11. Was the decedent's partnership interest sold?
If yes, provide a copy of the agreement of sale, etc.
DYes 0 No
12. Was the partnership dissolved or liquidated after the decedent's death? . . . . . . . . . . . . . . . 0 Yes 0 No
If yes, provide a breakdown of distributions received by the estate, including dates and amounts received.
13. Was the decedent related to any of the partners? . . . . . . . . . . . . . .
If yes, explain
14. Did the partnership have an interest in other corporations or partnerships? . . . . . . . . . . . . . . 0 Yes 0 No
If yes, report the necessary information on a separate sheet. including a Schedule C-1 or C-2 for each interest
DYes
o No
THE FOLLOWING INFORMATION MUST BE SUBMITTED WITH
A. Detailed calculations used in the valuation of the decedent's partnership interest.
B. Complete copies of financial statements or Federal Partnership Income Tax retums (Form 1065) for the year of death and 4 preceding years.
C. If the partnership owned real estate, submit a list showing the complete address/es and estimated fair market value/s. If real estate appraisalS have been
secured, attach copies.
D. Any other information relating to the valuation of the decedent's partnership interest.
4W4699 1.000
REV-1507 EX + (6-98)
.
COMMONWEALTH OF PENNSYLVANIA
INH:RITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Joseph P. Beil
SCHEDULE D
MORTGAGES & NOTES
RECEIVABLE
FILE NUMBER
21 07 0753
AI property jolntly-owned with right of survivorship must be disclosed on Schedule F.
ITEM
NUMBER
DESCRIPTION
VALUE AT DATE
OF DEATH
None
TOTAL (Also enter on line 4, Recapitulation) $
0.00
3W46AC 1.000
(If more space is needed, insert additional sheets of same size)
REV-1508 EX + (6-98)
.
COMMONWEALTH OF PENNSYlVANIA
1f\HERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
ESTATE OF
Joseph P. Beil
FILE NUMBER
21 07 0753
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jolnUy-owned with the right of survivorship must be disclosed on Schedule F.
ITEM
NUMBER DESCRIPTION
1 M&T Bank Checking account number 14648148
2 M&T Bank savings account number 15004208558013
3 2001 Jeep Grand Cherokee
4 2004 Jeep Grand Cherokee
VALUE AT DATE
OF DEATH
5,264.57
1,018.15
4,975.00
10,045.00
3W46AD 1.000
TOTAL (Also enter on line 5, RecaDitulation) $
(If more space is needed, insert additional sheets of the same size)
21,302.72
.
.
REV-1509 EX+ (6-98)
SCHEDULE F
JOINTLY-OWNED PROPERTY
COWMONVVEAL TH OF FeNSY LV ANIA
~ANCE TAX RET\.R'II
RESI:91T DECEDENT
ESTATE OF FILE NUMBER
JoseDh P. Beil 21 07 0753
If an asset was made joint within one year of the decedent's date of death,lt must be reported on Schedule G.
SLRVIVNG JONT TENA NT(S) Nl\WE
ADDRESS
RB.A TIONSI-F TO CEC8J8'IIT
JOINTL Y-OWNED PROPERTY:
LETTER DATE DESCRPTION OF PROPERTY %OF [)\ TE OF [)fA TH
ITEM FOR JOINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT DA lE OF DEATH DECO'S VALLE OF
NUMBER OR SIMll.AR IDENTIFYING NUMBER. ATTACH DEED FOR
NLM3ffi TENANT JOINT JOINTLY.HELD REAl ESTATE. VALUE OF ASSET NTffiEST DECBJENT'S ~T
None
TOTAL lAl!:l.n --.-- -- 1:-- R - .. ~ 0.00
(If rrore space is needed, insert additional sheets of the serre size)
3W46AE 1.000
REV-151D EX + (6-98)
.
COMMON'NEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Joseph P. Beil
SCHEDULE G
INTER-VIVOS TRANSFERS &
MISC. NON-PROBATE PROPERTY
FILE NUMBER
21 07 0753
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.
DESCRIPTlON OF PROPERTY
ITEM 1tQ.Lll; TIE NAME OF TIE TRANSFEREE, TI-EIR RELATlONSHP TO DECEDENT PHJ DATE OF DEATH % OF DECO'S EXCLUSION TAXABLE
NUMBER TIE OATE OF TRAtI!iFER. ATT!>CHACOPI' OF TI-E oeED FOR REAL ESTATE. VALUE OF ASSET INTEREST (IF APPlICABLEl VALUE
1. None
TOTAL (Also enter on line 7, Recapitulation) $ 0.00
(If more space is needed. insert additional sheets of the same size)
3W46AF 1.000
REV-1511 EX + (12-99)
.
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
COMMONWEALTH OF PENNSYLVANIA
INkERITANCETAX RETURN
RESIDENT DECEDENT
ESTATE OF
Joseph P. Beil
ITEM
NUMBER
A.
B.
4.
FILE NUMBER
21 07 0753
Debts of decedent must be reported on Schedule I.
DESCRIPTION
1.
FUNERAL EXPENSES:
Cremation Society of Maryland, Inc. (Cremation bill)
1.
ADMINISTRATIVE COSTS:
Personal Representative's Commissions
Name of Personal Representative(s) LeAnne E. Beil
Social Security Number(s) I EIN Number of Personal Representative(s) 209-48-9061
Street Address 22 Roval Palm Drive
City Mechanicsburg
Year(s) Commission Paid: 2008
State PA
Zip 17050
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
Probate Fees
5. Accountant's Fees
7.
6. Tax Return Preparer's Fees
1
2
3
3W46AG 1.000
Cumberland Law Journal (publication fee)
The Patriot News (publication fee , obituary notice)
Verizon (land line)
Total from continuation schedules
TOTAL (Also enter on line 9, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
AMOUNT
1,310.00
10,400.00
10,400.00
360.00
75.00
597.56
133.00
4,816.64
28,092.20
.
Estate of: Joseph P. Beil
Schedule H Part 7 (Page 2)
4
United Water (water bills for 4 Briargate Road)
5
Silver Spring Township (Sewer payment for 4
Briargate Road)
6
PP&L (Electric bills for 4 Briargate Road)
7
Comcast (cable bill for 4 Briargate Road)
8
Penn Waste, Inc. (trash bill for 4 Briargate Road)
9
Premier Appraisals (appraisal fee for 4 Briargate
Road)
10
Fulton Bank (2004 Jeep Cherokee car payments)
Total (Carry forward to main schedule)
.
202-46-5176
165.36
228.20
1,195.13
95.90
87.70
300.00
2,744.35
4,816.64
REV-1512 EX + (12-03)
.
SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES, & LIENS
COMMON'M:AL TH OF PENNSYLVANIA
lNt-ERlTANCE TAX REnJRN
RESIDENT DECEDENT
ESTATE OF
Joseph P. Beil
FILE NUMBER
21 07 0753
Report debts incurred by the decedent prior to death which remained unpaid as of the date of death, including unreimbunMKI medical expenses.
ITEM
NlMBER
EESCRIPTION
VALUE AT DATE
OF DEATH
1.
HSBC Mortgage Services
Conventional Loan
Account No. 11945052
Obligor: Joseph P. Beil
Date of Loan: 10/24/2005
Date of Maturity: 11/2035
Balance at Date of Death:
$185,209.66
185,209.66
2
Sovereign Bank
Second Mortgage
Account No. 0067552749
Obligor: Joseph P. Beil
Original Loan Amount: $35,250.00
Date of Loan: 11/1/2005
Maturity: 11/1/2020
Balance at Date of Death:
34,868.13
34,868.13
3
Holy Spirit Hospital
43.32
4
M&T Bank Line of Credit Account Number 4258074505111969
125.47
5
Verizon Wireless (cell phone)
101.92
6
Quest Diagnostics (Medical bill)
78.55
7
West Shore Pathology (medical bill)
12.58
8
Allied Interstate, Inc. (DirecTV satellite bill for 4
Briargate Road)
50.98
9
Verizon land line (July bill)
60.70
10 United Water (July bill)
61.30
11 PP&L Electric (July Bill)
199.00
Total from continuation schedules
109,915.93
3W46AH 2.000
TOTAL (Also enter on line 10, Recaoitulation) $
(If more space is needed, insert additional sheets of the same size)
330,727.54
.
.
Estate of: Joseph P. Beil
202-46-5176
Schedule I (Page 2)
Item
No. Description
Amount
12 Fulton Bank
Automobile Loan
Installment Loan No. 2161112323
Obligor: Joseph P. Beil
Date of Loan: 6/16/2006
Maturity Date: 6/16/2011
Balance at Date of Death:
$8,727.41
8,727.41
13 PRAMCO III, LLC
Line of Crecli t
Account No. 54230078
Obligor: Joseph P. Beil
Date of Loan: 3/31/2004
Date of Maturity: 1/25/2008
Balance at Date of Death:
$60,907.09
60,907.09
14 PRAMCO III, LLC
Commercial Loan
Account No. 54230079
Obligor: Joseph P. Beil
Date of Loan: 3/6/2003
Date of Maturity: 3/10/2008
Balance at Date of Death:
$40,187.16
40,187.16
15 Silver Spring Township
Sewer for period 3/3/07-6/4/07
94.27
Total (Carry forward to main schedule)
109,915.93
REV-1513 EX+ (9-00)
.
SCHEDULE J
BENEFICIARIES
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
JoseDh P. Beil
1
NAME AND ADDRESS OF PERSON(S) RECEMNG PROPERTY
TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers
under Sec. 9116 (a) (1.2)]
LeAnne E. Beil
22 Royal Palm Drive
Mechanicsburg, PA 17050
FILE NUMBER
21 07 0753
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
Do Not List Trustee(s) OF ESTATE
NUMBER
I
None
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
3W46AI 1.000
TOTAL OF PART II- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET
(If more space is needed, insert additional sheets of the same size)
$
0.00
REV-1514 EX+ (12-03)
. SCHEDULE K
LIFE ESTATE, ANNUITY
& TERM CERTAIN
COMMONWEAL 1H OF PENNSYLVANIA
INl-ERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
Check Box 4 on REV-1500 Cover Sheet
FILE NUMBER
Joseph P. Beil 21 07 0753
This schedule is to be used for all single life, joint or successive life estate and term certain calculations. For dates of death prior to 5-1-89,
actuarial factors for single life calculations can be obtained from the Department of Revenue, Specialty Tax Unit.
Actuarial factors can be found in IRS Publication 1457, Actuarial Values, Alpha Volume for dates of death from 5-1-89 to 4-30-99,
and in Aleph Volume for dates of death from 5-1-99 and thereafter.
Indicate the type of instrument which created the future interest below and attach a copy to the tax return.
o Will D Intervivos Deed of Trust D Other
LIFE ESTATE INTEREST CALCULATION
NAME(S) OF LIFE TENANT(S)
DATE OF BIRTH NEAREST AGE AT
DATE OF DEATH
TERM OF YEARS
LIFE ESTATE IS PAYABLE
Life or
1. Value of fund from which life estate is payable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $
2. Actuarial factor per ap~riate table . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Interest table rate - U 3 1/2% 0 6% 0 10% D Variable Rate 0.00000%
3. Value of life estate (Line 1 multiplied by Line 2) ............................. $
Term of Years
Term of Years
Term of Years
Term of Years
Term of Years
0.00
0.00000
0.00
ANNUITY INTEREST CALCULATION
NAME(S) OF LIFE ANNUITANT(S)
DATE OF BIRTH NEAREST AGE AT
DATE OF DEATH
TERM OF YEARS
ANNUITY IS PAYABLE
Term of Years
Term of Years
Term of Years
D life or
1. Value of fund from which annuity is payable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $
2. Check appropriate block below and enter corresponding (number) . . . . . . . . . . . . . . . . . . .
Frequency of payout -0 Weekly (52) 0 Bi-weekly (2U Monthly (12)
o Quarterly (4) D Semi-annually (2) D Annually (1) OOther () 0
3. Amount of payout per period ....................................... $
4. Aggregate annual payment. Line 2 multiplied by Line 3 . . . . . . . . . . . . . . . . . . . . . . . . .
5. Annuity Factor (see instructions)
Interest table rate -0 3 1/2% D 6% D 10% D Variable Rate 0.00000%
6. Adjustment Factor (see instructions) ...................................
7. Value of annuity -If using 3 1/2%, 6%, 10%, or if variable rate and periOd
payout is at end of period, calculation is: Line 4 x Line 5 x Line 6 . . . . . . . . . . . . . . . . . . . . $
If using variable rate and periOd payout is at beginning of period, calculation is:
(Line 4 x Line 5 x Line 6) + Line 3. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $
o Term of Years
0.00
0.000
0.00
0.00
0.00000
0.00000
0.00
0.00
NOTE: The values of the funds which create the above future interests must be reported as part of the estate assets on Schedules A through
G of this tax return. The resulting life or annuity interest(s) should be reported at the appropriate tax rate on lines 13 and 15 through 18.
(If more space is needed, insert additional sheets of the same size)
3W46AJ 3.000
REV-1647 EX+ (9-00)
.
.
SCHEDULE M
FUTURE INTEREST COMPROMISE
COMMON\NEAL TH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
Check Box 4a on Rev-1500 Cover Sheet
ESTATE OF
FILE NUMBER
Joseph P. Beil 21 07 0753
This schedule Is appropriate only for estates of decedents dying after December 12.1982.
This schedule is to be used for all future interests where the rate of tax which will be applicable when the future interest vests in possession
and enjoyment cannot be established with certainty.
Indicate below the type of instrument which created the future interest and attach a copy to the tax return.
D Will D Trust D Other
I. Beneficiaries
N3ETO
NAME OF BENEFICIARY RELAl10NSHIP DAlE OF BIRTH NEAREST BIRTHDAY
1.
2.
3.
4.
5.
II. For decendents dying on or after July 1, 1994, if a surviving spouse exercised or intends to exercise a right of withdrawal within 9 months
of the decedent's death, check the appropriate block and attach a copy of the document in which the surviving spouse exercises such
withdrawal right. n limited right of withdrawal
n Unlimited riaht of withdrawal
III. Explanation of Compromise Offer:
IV. Summary of Compromise Offer:
1. Amount of Future Interest . . . . . " " " " " " " " " " " " " " " . . . . . " " " " " " " " " " " " " " " " $ 0.00
2. Value of Line 1 exempt from tax as amount passing to charities, etc.
(also include as part of total shown on Line 13 of Cover Sheet) . . . . . . $ 0.00
3. Value of line OSSing ~use [jpropriate tax rate
Check One 6%, 3%, 0010 . . . . . . . . . . " " " " . $ 0.00
(also include as part of total shown on Line 15 of Cover Sheet)
4. Value of Line 1 taxable at lineal rate
Check one 06% D 4.5% . . . . . . . . . . . . . . . . $ 0.00
(also include as part of total shown on Line 16 of Cover Sheet)
5. Value of Line 1 taxable at sibling rate (120.10)
(also include as part of total shown on Line 17 of Cover Sheet) . " " " " " $ 0.00
6. Value of Line 1 taxable at collateral rate (15%)
(also include as part of total shown on Line 18 of Cover Sheet) . . . . $ 0.00
7. Total value of Future Interest (sum of Lines 2 thru 6 must equal Line 1) . . . . " " " " " " " " " . . . . . . . $ 0.00
3W46AN 1.000
(If more space is needed, insert additional sheets of the same size)
WUtl
.SSED
. DATE ISSUED:
JUl3 I_ZQG7
=CU~~~~COMS
/ . STATE GISTRA OFVITALRECORDS
Please Type or Print In Black Indelible Ink. Ensure All Copies Are Legible.
State of Maryland I Department of Health and Mental Hygiene
Certificate of Death
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4 Briargate Road
11. M8rttaI Slalull
1 o Never Married 20 Married
3oWIdOwed 430M1nled
12. W.. Decedent E.....-In U.S.
Annlld Forces?
~ ~~:'G"':0Q'I0
Ya... or Dalea:
14. ~ - AmerIcan Indian,
Black. WhIle. elc.
15. Deoedenra Edul:alion
(SpscIfy only hIghIISt gt'8da compI8lfH1)
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17. FlIIlWs Name (FIIst. MJddIa, Last)
Robert G. Beil
Appolloni~ Andel
1!lb. M8IIng Addr-. (SIrHt and Number (K RunI1 RoutlI Number. CIly or Town, Slats. ZIp Code)
22 Royal Palm Drive, Mechanicsburg,PA 17050
2011. ~ ~~pIlICaJ. Date 2Oc. LocaIIon - CIty orTown, s-
Metro Crematory, Incl7/28/2007 Baltimore, MD
22..lIBme and ~otfacllly
~rematlon ~ocletyof ~land,
2 Frederick Road 1 t1.l1lOre
19a. InIDnnanI's NamelR8lallOnlhlp (TYpe. Print)
LeAnne Beil - ex-wife
23L Part1. Entef \he diseMe. or compllcaIIona lhIII ceusecllhlI de8Ih; Do not _lhll mode 01 dylng, such .. canliIIc or I8llPiraIorY -est.
8hock.. or hawt fdure. list 0II'tf one cause on ~ line. .
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23b. w. ~ pregnant
In lhll jMQ 12 mont/Is1
loy.. 2oNo
90Ui1lmown
23c. ~O'LMt ~ ~ ~deaIh 3C&top1cpragnency
40Pnlgnant at timlI aI death 50 0Ihar (BpM:JIy)
9olk1lcnown .
23d. Dale aI delivery
Uonlh Day
Year
PaIt II. ou- sIgnlIIcant condIIIons conlrIIluIIng to deaIh but not I8lIUIIng In lhll undetlylngC8llSe gillen in PaIt I.
t-~A=l\T\S ~ L\"~ C.-\~~~S
238. Old tobaalo we alIIlJlbuIe lD Ihe causa of death?
30 PJobably 4oUnlmown
24b. :::~~caa::':'
de8Ih?
lOVes 20 No
25. Was case I818mK1 to medIc8I
.........1
1 DYes
27. Manner of Oealh
~
30 SuIcIde
. 4oHomlcide
20No
281. localion (SI18@t and Number 01 Rural Route Number.
City or Town, S1/IIe) . '
To 1h8 best 01 my knowledge, death oc:curred at the Ume, d8Ie and place, and due '" 1h8 causa(s) and ""'Mar as staled.
, nd ~ S:~ and/or lrNwllgalion, In my opinion. death - at the lime, dale and place, and due lD the Cllll88(s)
29c. I..ll:aMe oomber
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.
.
LAST WILL AND TESTAMENT
OF
JOSEPH P. BElL
.
.
LAST WILL AND TESTA~fENT
OF
JOSEPH P. BElL
I, Joseph P. Beil, of Mechanics burg, Pennsylvania, revoke my former Wills and Codicils
and declare this to be my Last Will and Testament.
ARTICLE I
IDENTIFICATION OF FAMILY
I am not married.
The names of my children are Andrew Joseph Beil, Rebecca Erris Beil and Alexander
Joseph Beil. All references in this Will to "my children" are references to the above-
named children and any children born to me or adopted by me after the signing of this
Will.
ARTICLE n
DISPOSITION OF PROPERTY
A. Specific Bequests.' I direct that the following specific bequests be made from my
estate.
1. shall be distributed to
. If this beneficiary does not survive me,
this bequest shall be distributed with my residuary estate.
2. My remaining tangible personal property shall be distributed to
. If this beneficiary does not survive me.,
this bequest shall be distributed with my residuary estate.
B. Residuary Estate. I direct that my residuary estate be distributed to my ex-spouse,
LeAnne Ems Beil. If my ex-spouse does not survive me, my residuary estate shall be
distributed to my children in equal shares. If a child of mine does not survive me, such
deceased child's share shall be distributed in equal shares to the children of such deceased
child who survive me:> by right of representation. If a child of mine does not survive me
and has no children who survive me, such deceased child's share shall be distributed in
equal shares to my other children, if any:> or to their respective children by right of
representation. If no child of mine survives me, and if none of my deceased children are
survived by children, my residuary estate shall be distributed to Suzanne Lee Smith of
3001 Lark Drive, York, Pa 17404. Ifsuch beneficiary does not survive me:> my residuary
estate shall be distributed to my heirs-at-Iaw, their identities and respective shares to be
4r\
.
.
determined under the laws of the State of Pennsylvania, then in effect, as if I had died
intestate at the time fixed for distribution under this provision.
ARTICLE III
NOMINA nON OF EXECUTOR
I nominate LeAnne Ems Beil, of 41 Westfield Drive, Mechanicsburg, Pa 17050, as the
Executor, without bond or security. If such person or entity does not serve for any
reason, I nominate Andrew Joseph Beil, to be the Executor, without bond or security.
ARTICLE IV
NOMJNA nON OF GUARDIAN
Should it become necessary to appoint a guardian of the person of a minor child, I
nominate LeAnne Erris Beil., of 41 Westfield Drive, Mechanicsburg, Pa, 17050,., to serve
as the Guardian of my surviving children who are minors at the time of my death. If such
person is unable to serve as Guardian, I nominate Linda and Larry Eslinger of 4060
Mountain View Road, Mechanicsburg, Pa, 17050, to serve as the Guardian.
ARTICLE V
EXECUTOR POWERS
My Executor, in addition to other powers and authority granted by law or necessary or
appropriate for proper administratio~ shall have the right and power to lease, sell,
mortgage, or otherwise encumber any real or personal property that may be included in
my estate, without order of court and without notice to anyone.
My Executor shall have the right to administer my estate using "informal",
"unsupervised", or "independent" probate or equivalent legislation designed to operate
without unnecessary intervention by the probate court.
ARTICLE VI
MlSCELLANEOUS PROVISIONS
A. Paragraph Titles and Gender. The titles given to the paragraphs of this Will are
inserted for reference purposes only and are not to be considered as forming a part of this
Will in interpreting its provisions. All words used in this Will in any gender shall extend
to and include all genders, and any singular words shall include the plural expression, and
vice versa, specifically including "child" and "children", when the context or facts so
require, and any pronouns shall be taken to refer to the person or persons intended
regardless of gender or number.
~
'd.-
.
.
B. Thirty Day Survival Requirement. For the purposes of determining the appropriate
distributions under this Will. no person shall be deemed to have survived me unless such
person is also surviving on the thirtieth day after the date of my death.
C. Liability of Fiduciary. No fiduciary who is a natural person shall, in the absence of
fraudulent conduct or bad faith, be liable individually to any beneficiary of my estate, and
my estate shall indemnify such natural person from any and all claims or expenses in
connection with or arising out of that fiduciary's good faith actions or nonactions of the
fiduciary, except for such actions or nonactions which constitute fraudulent conduct or
bad faith. No successor trustee shall be obliged to inquire into or be in any way
accountable for the previous administration of the trust property.
D. Beneficiary Disputes. If any bequest requires that the bequest be distributed between
or among two or more beneficiaries, the specific items of property comprising the
respective shares shall be determined by such beneficiaries if they can agree, and if not,
by my Executor.
IN NSS. WHEREOF, I CiYJ;bscribed my name below, this ~day of
~~ d. .
Testator Signature:
We, the undersigned, hereby certify that the above instrument, which consists of -7
-
pages, including the page(s) which contain the witness signatures, was signed in our sight
and presence by Joseph P. Beil (the "Testator"), who declared this instrument to be
hislher Last Will and Testament and we, at the Testator's request and in tbe Testator's
sight and presence, and in the sight and presence of each other, do hereby subscribe our
names as witnesses on the date shown above.
Witness Signature:
Name:
City:
State:
~~~f!
/Q)d J..../JU{ sf! U/1Je:
M~CH#NtLS&,dE-~ fJA- /7UStJ
~
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.
Witness Signature:
Name:
City:
State:
Witness Signature:
Name:
City:
State:
.
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.
PENNSYLVANIA
Self-Proving Clause
COMMONWE~ ~~S~V ANlA
COUNTY OF . '~ \ct0D
I" Joseph P. Beil, the Testator, whose name is signed to the attached or foregoing
instrument, having been duly qualified according to law, do hereby acknowledge that I
signed and executed the instrument as my Last Will; that I signed it willingly and as my
free and voluntary act fOT the purposes expressed in the instrument.
Sworn to or affi~and acknowledged b~OITfF by Joseph P - Beil, the Testator, this
...3.Cl- day of ~ ' -
Testator Signature
apaCl rSEAl . !
SUZANNE M. DEDERER. Notary Public I
Camp Hill Bora, Cumberland County I
My Commission Expires Aug. 20, 20051
(Seal)
4Js
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!5
.
.
AFFIDA VIT
and
and
the witnesses whose names are signed to the
attached or foregoing instrume oeing duly qualified according to law) do depose and
say that we were present and saw the Testator sign and execute the instrument as the
Testator's Last Will; that the Testator signed willingly and executed it as the Testator's
free and voluntary act for the purposes expressed in it; that each of us in the hearing and
sight of the Testator signed the Will as a witness; and that to the best of our knowledge
the Testator was at that time 18 or more years of age, of sound mind and under no
constraint or undue influence.
and ~ubscribed to before me by
and
and
witnesses, this ~ day of
Name:
City:
State:
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j/ft ~ C /1-11-1. 11(: 116tLlUi .,.tJrI- /7051)
Witness Signature:
Witness Signature:
.,.
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~
Name:
City:
State:
t~ h ~'uJ ,'l L'\I\I~~ N
.s "" ~ wb\" v ~
p~
Name:
City:
State:
Witness
~
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.
~-
i NOTARIAL SEAL
! SUZANNE M. DEDERER, Notary Public
! Camp Hill Bore, Cumberland County
I My Com~ission Expires Aug. 20, 2005
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Seal and official capacity of officer
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.
.
CERTIFICA TE
GRANT OF LETTERS
TESTAMENTARY
.
.
STATE OF PENNSYLVANIA
COUNTY OF CUMBERLAND
SHORT CERTIFICATE
I,
GLENDA FARNER STRASBAUGH
Register for the Probate of Wills and Granting
Letters of Administration in and for
CUMBERLAND County, do hereby certify that on
the 9th day of August, Two Thousand and Seven,
Letters TESTAMENTARY
in common form were granted by the Register of
said County, on the
, late of SIL VER SPRING TOWNSHIP
estate of JOSEPH P BElL
(First. Middle. Last}
in said county, deceased, to LEANNE E BElL
(Fi,st. Middle. Last)
and that same has not since been revoked.
IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed the
seal of said office at CARLISLE, PENNSYLVANIA, this 9th day of August
Two Thousand and Seven.
File No. 2007-00753
FA File No. 21-07-0753
Date of Death 7/26/2007
S _ S _ # 202-46-5176
tJun~ J{f!r!b#))~J/;y)j!f
' eglster f Wills I
~ J1J101S!inf a ~/M/J1J
eputy
NOT VALID WITHOUT ORIGINAL SIGNATURE AND IMPRESSED SEAL
.
PA REV-1500
SCHEDULE A
REAL ESTATE
.
.
APPRAISAL REPORT
OF
4 BriaIgale Road
Mechanlcsburg, PA 17050
PREPARED FOR
Beil Eslale
22 Royal Palm Oriw
Mech8nicsbuIg. PA 17050
AS OF
1()..Q2~7
PREPARED BY
PnlmiIr ~
3015 HarvanI Aile.
~HII.PA17011
.
Page Title
ResidenlIaI AppraislII Page 1
RBldenIi8I AppraIuI Page 2
Residential AppaisaI Page 3
CeI1iIic:aIIon Page ,
CeI1iIic:aIIon Page 2
CertifIcaIIon Page3
Skelch
locaIlon Map
Phcto Subject
Phcto CanplnbIes '-2-3
Premier Appl'lllsals
Table of Contents
OickFORMS Appraisal Software 800-622-8n7
File No. 709011
Case No.
Page II
10
Case No
Residential ADDrais Oft
~~~ . is 10 IlIOIIide the client wiIh an accumte and ........... of the market value ~ the
Addnlss 4 _ Road r.IIv SIaIe PI. liD Code 17050
Owner Beil .- Intended User BeiI E~ CllIInIv CumbeIland
. . 0-1 Book 246 PaM 424
Asses.1;a's Patel. 38-23-0571-1)31 TlIll YeaI 2006-07 RE. T_ $ 2.118.00
~ Name Silver !':nrinn TllOIIIIShin Mall R8fel8nl;e 38-23-0511-1131 c-mTIlItt 0118.02
~ '" 1 Owner r x-I Tenant r 1 vacant SllllCla AssessmenlS S NlA r I PUD HOA SNlA I 1__1 '-monlI1
. . [xl Fee SimnIe I 1 leasehold I I .fllesctll8\
fnleRIed Use The inlended use cllhis """'" is 10 CCIII1l'lIUIIic lie """""""'s .....-.w. cI cutnWIt IIl8fIcet wIue or lhI 10 the ranee! cienl nnIv.
CIent B8iI es_ Addnlss 22 _ PlIIm On.... ~Ilum PA 17050
Ish oIfen!d for _ or has R been offenld for sale in 1he twelve rnonlhs lIIlor 10 the eIfecIive daI8 oftllis aornisaI1 I I Yes r xl No
R;W;IdalamtJlalls\ used ......- """"5\ and daI8Is\. Tolhe """'*""s ~ and _lhe muI .... - has not been a1fllflld fa sale il
lhe tMlIIe monlhs Drier 10 the sIfeclMt dale d this .....,."..",
I Udid U did nat an<J.p.e the oonlIact for sale for the Uject purchase lIanSaClIm. ExplaIn the rvsUts of !he arBysis oflhe ccDJacl for sale or why the mysis was not
~. HlA
CancI Price S Nil. Date of Coroacl N/A IS \lie IlItlIlllItv seier the Il'MIlIl' of lIIilIic l1lcoRI? 11Yes I 1 No 0al8 Soun:ets\ N/A
Is lheIe any 1inandaI assistance Iklan chaIges. SlIIe concesslons. gill or downpaymenI aSsislanl:e,lllC.) to be paid by any party OIIbehalfolthe plIldIaseI? . Dyes DNa
"Yes. reoort the IolaI doIar amwnl and delltlIIe the iIBmS to be llaid. Nil.
... Raceandlberadalccmiiii~fIdors. n...-..
LocaIion Ultlen f xlSlmllllll RunlI I "'-Iv Values X~" Sf8ble PRICE A~ Qne.UriI 65 "
~ 0-15" I X 125-75% 1 Under25% ~ x In BaIlIlce Do..; SbooIt S IIlM\ 1Yr.s) 2-4 Unl 1 "
. Growlh I RaMI I X I Stable 1 SIoIr rul.r1.elino TIIIl8 r 1 \lnder3.... X 3-6 mlhs 0.6.... <125 low New MtA-fanilv 1 "
.
NeWlbor IlOOd Ilooodarles The sulliolcl's -bOrflood is muahIv bllunded bv Old Slone House Road IOlhe-- >400 ttiI"90 Commercial 3 "
Route 111D !he nDI1h Route 114 to !he _I and lisbum Road to !he souII\. 1]s''IM PnId. S-3O Olher Vacant 30 "
. . The .... is ......... resId8nlIaIln fllIIUIe with a shCld commulIIlo.~ -~ . and dasinld -aI8&. u..ior
_I cerurs include The CommonwIIaIlh at PA. Hir:lhmark Blue ShllIId The d
and con&lrUCtion. An.- to market is.-l- No lIdwrse- -- f8ctllrs nal8d Bllnll-
Martst CondIIions for the llIIcIft t:lllICUIIon5\ GenerlllIIl8IIa!l condlllons _ cansldered sIIIbl8. as mar1lIme irDf8s1_ hlMt been lMIiIallle in the
5.5-8% ..-- far s-a montlls. FHA and VA __ is lMIiIabI8 and SlIlIer CllflC*S1onI .. sarneIIrMs Mid in cantributiM t.-ds ......,.,....... cIosinn 00515.
Maolr8lina time from 30 10 120 dlMl. Demand and in line wilh similow In 1his mMcel area.
Dimensions As Per Public ReconIs Area Annmr .61 N:te ShaIlllM Y_ RasidentiaIIAvo
,,,..........,....... 08ssificati00 R1 R1 ResidenlIII
I X ILeaall Il Ute\ I INo 7MiM I hlNllldeserlle\
Is the hi!Plsl and best use ~ as iIMmved lor as II1lIlIIIlldIc8IIonslll1elllRSllllt use? 'X Ives I I No If No describe.
UllIIties Public ou..r ldesc:rlbel PubliI: Oller ~ I 0Ik1le ImIlrOlMllNfts- TVOIl Public PriwtlI
B8dndtv I X I I I Circuilllrll8kers w. Ixl Tl J S1reel~- Ixl f1
Gas r 1 r 1 ~Sewer fxl r 1 I AIAv Non8 TT fl
fEUASoeciaIFIoodHazaRlAlea rlYes Ix INo FEMAAoodZ0n8 C fEMA MaD, 420370 FEMA MIlD DalIl 03-03-92
he the IAlIltiBs aOOIor oIkIle forthellllPel.lIlI? h~ I Yes T lNo "No d8Scribe.
hetllereanvad'lllrsesileconcltionsaexlem8llactlllsl~ lll1CIOICIwnenl envlnIlmenIaIcondllIons lInd_ elc.1? I IYes I X IHo "Yes eIesaibe.
~ rxlOneJ 1000with leooowSllb I ~.- FotnIdDn Wall ConcnIla BIockIA"" Floors WW .HW.VrlJAva
, of Slories Two If 1 FtM Basement r X......1lIIIeIMnl Ex/lIria WaIs VvM1Avo WlIIls nn-IIA-
rVIlIl 1 X I Det.\ I All 1 I s-DeUEnd Unit Basement AIea 128 SII. t. Roof soo- _A"" TIlm/Firi5h Wood/Avo
if xlExislilar 1 pl'llM!Oldf llblerConsl Basement Fnsh 25% Frished 'lIo Gu8s & ~ IoIelaIIAvo Balli Floor TiIB YofflIIAva
[Desigl (Style) 2 StoMA"" 1 ()Jslde Eli IM'ExII ISurmPunn WIndow T- Wood DbIW.mnIA.... BaIh WaInsmI Plastic/A....
Veal Built 1984 Evidin;e oll InilslaIion Slam SashlInsIAled Il18u1alad WIndowIIAVIl Car SIMIm r 1 None
EIfecliye - NISI 14- f6 V'- lllooNlrw:.t: I SeltIemenl Sa8en& V_A I Ix 1 0rivM8v . of Cars 2+
Attic None lllllnal IFWA II IIIWIIAI .IR.- AmenIillS ~.o i nm-v SuIface A._
1 Droo Stair Stairs X Ohr BB IFuel EIedric IFnaB:e!sl J 0 X FlIllCll Pool II X I Ga..- . dCars 2
TFIoa X ScuIlIe ~ INI r 1 CenlraI}.i Cordlionino X lPllb'Dlct Rw X Pcrdl Gov. front I CaIDort . of Cars 0
T Finished Heeled Indlviduall r 1 Oller None X lPool AbtNe Gml Other II xl AlL r 1 Del r 1 BuI-it
AooIIancesI pl ReIrlasr8IIJ" r Xl RllIlI1AKlvM X ~ llllsoasalf plMir:monvBr p lOtherldesalle) ~
Finished _ above crade COI1llms: 1 Ibms 3 Bedrooms 2.50 IlalhIsl 1.840 Souln Feet of Gross lMllI Area Abow Grade
MditionaI fesmns eIficienlllems. etc.1 C8Iina F_' G EIeclril: Doornn-.... Covered F.....t Pordl R.- Deck and Patio: Finished
Den in the ~ Insulated W"1IIdowI. The aI:IoloI atlUnd DlICl wIlh c:h8in.. fence is c:cnaidenId _hi wiIh no ....... nhMn.
Desaile the cordIion of the needlId- .;-...:............:...:...:..;:... ............. eCc.\ The wweln -- 0lIWlllI ccndlIion
81 the time 01 the lDlrllisal~. There is .ome minor cIarnme such as hales In Ih8 b8semenl door - - c:nEks and ~. ~ that do I1llI
substanlially affecllhe .-.aII1lllIIIult value clthe ntnnlIIrlv. Th.. went no items of';;;"';:icaI functional or -..aI obscJIescenc8 other than MIicaI nhvsical
d8Drecialion due to ...... noted at Ihe time or lhis -.
he there """ ohvsiceI deIiciencies a adverse c:ondilions thal BIfect lI1eiv.lbtitv" ~ a sIIIlclunII WIIcIitv of the~? r lYes r X 1 No If Yes desaile
!The aollllliser is not a home _ or......ineer and does not WWI1Inl- IlIIIf or wI10Ie d the s
Does the conIorm to Ihe ....- ---""- use conslIUclion elc.l? I X Iyes I -, No If No describe
NL - Residenlial 512007
This form may be lellIlllU:ed Innodllied wIIhoul wrIIen permission, however, l!fadfoRI Tedlnologies.1nc. must be acknowledged and credited.
ClickFORMS Appraisal Soflware 800-622-8727 Page 1 of 10
Case No
Residential ADDraisal
are 4 oIfeIl!d lor sale in the Irlllllat from' 174 SOlI to S 253 000
are 17 COlIlIl8I1IbIe 5_ in the wtil the o....t IwlM in seIe Drice fJom S 119 900 III S 1<<1 000
FEAl\lRE I SUBJECT COMPARABLE SAtE II 1 COMPARABLE SAlE' 2 COMPAIWlLE SALE # 3
Addresa 4 Briarga\ll Road 1113 CocIdin SlrtleI 1203 Apple DriYll 906 E. Coouer Slr881
qPA17050 PA 17055 Mechanicsburo. PA 17055 PA 17055
PmxiriIv \0 SubI!rl 2.89 mIel; E 2.98 mIlea E 2.58 ..- E
Sale Pdce $ NlA S 179.900 181.700 S 219000
Sale I'liI:IIGIIIA Uv. A1P4I 0.00 ft.S 97.45 sn.ft. llI\.58 1lO..ft._S 118.25 sa. 11.-
08Ia-~51 PublIc RecadsIExt. ",n PublIc RecordsIExL IMn PubIc ReoonlsIElcL Insn
VerIIcalion --51 MullIl.islIRe8Ior Mull UslIR8IIIlor Mull LiIlIRelIIIDr
VALUE ADJUSTMENTS DESCRIPllON +1-\ $M.S.n.n DE5CRIPllON DESCRIPTION ~-\S-~,
Sale or"'",- ConY8nlion8I c-.tIonaI ~
COnaIsSlons 4 0- MlcI 56n.-MId 6!l1wlrJ; MId
Dale of S8leff1ll1e 05-31-07 07-03-07 04-05-07
location SuburblwlIA.... Suburb8nlAw SuIutllWA"" SuburblInIA-
LeasehokIIFee Simple fee SImnIA Fee Slmnle Fee~ FeeS-
Site .61 As;JAvo .24 AdAvo .23 As;JAvo .27 As;JAvo
Vl8W ResidenlialIA- ResidentiallAw RlIlIk*IIiaIIA..... Residen1i8IIAvo
r 0esicJI1StYIe1 2 ~rwvJA"" 2 StorYtAIlQ 2 SlorvIAvo 2 !&<vIAVtJ
~ at CoIlstJUction VonvVA"" VlIWI.BricklAw -15lll AJum.BricIcIAVtJ -1 ~N AL BridclAvo -1501
l>DJJ?A ---pmn 23 YIS Est 39 VIS Est 45 YIS Est 30YIS Est
Condlion A-- A__ A__ Avwane+ .5.001
Above Grade TolaI IllIbnsl Balls ToIIII IMmsI IlaIbs ToIIIIlBmnsJ 8alhs ToIIIIlMmsl Balls
Room Con 71312.50 71312.50 6 I 4 I 1.50 +2.QQ[ 81412.50
Gross livlno Iwa 1/W0 ...11 1 B46 ...Il. 1904 so.ll 1652 sa.1l. C
Basemenl & finisIled PactiaII728 sf Full Basement Fu' Basement FulI8asemenl
Rooms Belew Gnlde Den Unfinished +1.501 Rec Room Ul1finIshed +1.500
FIIldionaItllb A- A.......... A- A--
I=ElficieN IIems EIeclric BBINo CA OIIICA -2.50( O. HWB8ICA -2.5Ol ElB<:lric.BIlICA -2.5Dl
InsuIaWd Windows Storm Windows S1Iorm Windows InsuIBIed Windows
2 Car Gar All 1 C.. Gar M +2.50( 1 C. Ga- All +2.5Ol 2 Car Gar All
. PoR:hIPalioIDeck Icov. Pon;h n.rk P16 Porch .;w Porch +!';Ill 2 Pardles
FireDI8ces None None 1 "...-.. -1.501 1 Fir_e .1.501
· NO ~o>> iIiIt- iIiIt.~
Ad;IslBd Sale Price
at r.Mllllll>lblM 180 400 187.200 210000
I r Xldil r ldldllOll8S8lldlthesaleorlnnfer atlhe endCM1lllllllble....~ Tlne_~tistortes_
~foral1--
MY nlSIlIIlth ldil r X did IlOII8Y1ll11_1lIIor sales or IIlInsfers of the for the line _ or\or kllhll elfecIMt dII1e of Ilis 1IlIlIIisaI.
0aIa SOIItll/s Public ReconIs
1.4v -m X I dill I dkf not RM8I..w. sales orlran5fers of lh8 ~ sales forlhe _ Prior 10 l/l8 dale at sale at lie ~ sale.
0818 SllUIt8(s Public RecoIUs
~ the ~ oI1he JllSesn:h and a....... of the nrirlr sale or ___ hi5IllIY of the end mmnAIlIhIA sales 1- addilianlII Prior sales on DlIlIIl 3l.
ITEM SUBJECT tnAPARAIllE SALE 111 COMPARABlE SAI..E II 2 CQMPARAIl.E SALE j ~
0aIIl at Pricf SalelTllIIlSflIr No Knoom SaleIIln The No Known SaIeIIn The 07-31-06 No Known SaIeIln The
Price of Prior SalefTransfer Past Three Y.-s. PiI5lThtee Ye.s. SI79.1IDO P.t Thtee y~.
Dalll Soun:lIf51 Scuce: PubIc Records. Source: Public Records. Source: PubIc Reconla. Saurce: Public Rec:crds.
E\f8dIIle OllIe 01 [)ala Snm-1!I5\ 10-02-07 10-02-07 10-02-07 10-02-07
AnaIvsis at or\or sale or Innif8r hismrY at l1li Subi8cl1llllllllllv am ClIIlllI8rlIbIe sales The Ilrior..... 01 """""""two had no - 8Ifect on it's _I sale Ilrica.
Summary d Sales Comparison Appro8ch All sales are d8l8ched -- IDcaI8d In the subi8ct's IIIIWkeI ... end are c;ooslder8d lhe blIIt 8\IlIiIalIl8 for """""'"'" as
lIIIIu8lndic8tors. The seIeclBd............... are closed tnnacIions. The lIDIlCiIi8d dBl8S at sale for 1he utiI2Bd -~ _\he aclUaI ~ daIIls or da!IIs of
deecl1Ja'I5fer. VerllicalIon Is will lhe CumbeIland ('.nllnlv CouIthouse. See lhe IIltal:hed oommenI-*rl for WI ~ at the -_.
Indicated V_ bv Sales $ 187000
IncIcatId Value bw: Sales ComaariIOll AaoraKh S 187 000 Co6t NlA Income S NlA
Three ........."".,... III Ylllue.... COO6idenld i\- the nninion of value. Due to the teli8bllllvof!he dB'" -- _ ol8clI1 on lhe sales ~
. aooroadl. The cost and income annr08Clles __ considlnd as not 8DDIir.abIA due to tile _ at the home and the lack 01 r8IiabIe r8lIlaI db. AlSnAdiwW.
This ~ is made W "as is," . 0 UIjed 10 completim per planS and specIficalions on the basis of a hypolheIIcaI anIlIon lhatthe ~'Il!mIIIIs hllvelleen
alR1pIeIBd. 0 stJlject to the IoIowing repairs or allBr.ltions on the basis of a hypoIlIlllcaI CllIllIlb1Ihat the repais or aI1enItions hllve been CllIlIpIelad, or 0 SlJIijecl tllhe
; . . based 0II1he - . IIIat the anliIbI or dlIficienc:y doas noll1lOdrll aIIBretion orlllll8ir:
I Based on a c:omp'" vlIuaIlnspeclIon fllIte IntIrIor IIICI ul8rIor ..- fl1he aullject pnIp8rtJ, deftIIId scope fI ~ aIIl8nlInt oIassuntplians IItd limiting
canclltions, and appraiaer'5 certlIIe.IICIII, my (ourl OPInloR 0I1he mamt value, . dIIined, oIlhe real property 1haI1.1he aubject 01 this report Is
$ 187000 . at 10-02-07 whic:IIls lite ... of InaDKllon .nd 1he.trIdIYe dale fI this a--*al
NJ... Residential 512007
This form may be IIpIIICiJced lJl/IlOdiIied wIhott wrIIen penrisslon. '-er. Bradbd T lll:in*IgIes. Inc. must be actnowIedged end CI8dited.
ClickFORMS Appraisal SOftware 800-622-8727 Page 2 of 10
Case No
Residential AoDraisal
was lhf was . The use d the Ietm inso8ctian in \his
refe<s anIy 10 lI\e.,."..-- d - cIala -10 lhe camDlelion d . III for 85timRlinn an 0Dini0n d mark81 value. This "'""""~ Is
onIv a lIisual abs8rvation d I9lIdiIY visible and accessIJIe _ d Ihe sub"'" ............. The ......raiser is Nt a home _ and does not warranl anv Oliff or
whole d", s
he lnIInded U- d this is the Il8mlId ClIent. The fnI8nded Use Is 10 ~ the _thai is \he .ubiBct d this """"'""" and convnunic8le Ihe
IIIlIX1Iiser's ClIlin/on d rtIBfUl WIlUe III Ihe rwned e&.nI. ..- to \he sIBlIId Sc:cIpe d Weill<. """""'" d the ir8lIBlIs d this
lrnn MlII Definition d MIOaI Value. No addIlonlIIlntended Users nldllllllfild bv lhe 8DDIlIiser. The.CODA d watt Dllfformed in lhe --. d this -*Ill
mav be Jur\ha" _ wilIlin the
Due III lhe lack d - nnsfemId......1lcn.- in lhe sublects inwnediaIe NOinhhtvtvvvI _ _ _sanr to BXCeed ~ed disIanal ou_.
TIIonfoAl the _ __ tMIIected from IimIIlIr com_ 10caIes from wtIhIn Ihe subiect's mlII1cat...
II. condiliIln lIlIIustm4lnt was lItlIlIied III saIIl "- becauoe this home was IYl8WM18d or uodaBIlO a DIBlII8r _ than the subiecl.
A QUlIIIIy d !:llnSIrUC\Ion acluslmlllll_ _led 10 aI sales due 10 the """'8nCe d brick on Iheir lIXI8riclr walls.
The -"lmenIs _e caIculeIed for lhe merkel's reec:lion to the dlfllrino amenIlies and condltions.
.
.
.
.
5uDDoIt utili aai1IoR of lie VlIlue lsunmaN of ~ I8nd ... or DlhlIr III8Ilods far esli'natino sile valuel
ESTIMATED r 1 REPRODUCTION OR r 1 RfPlACEMENT COST NEW OPlNON OF SITE VH.UE =$
SouIce t:I cost dIIla DwlIIino 1840 Sq. Flft$ =$
. 1nn0lSl..w:. EIIIIdi'II dill II. QIS\ cilia Bsml 728 5o.Fl"$ =$
CommenlB on Cost _ -a........ _ ....... eb:.l
. D_1n the _ t:I fill SIIbIect. \he CIIS\ ___ was considered as not 480 SQ. Fl 11$ 0.00 =$ 0
IIIDIllicabIe and _ not 1lllIIlDIetood. TollII Esimale of Co&t_ =$ 0
Less PhnicaI 25 IFunctional I ElllomaI
0eIlIeciali0n 0 I I =$ I 0
~ Cost of IrnorolIllmenb: =$ 0
"As-is" Vuof5ae IIntlltMImenIs =$
IF~~~"""UfllHW_VA~40-50 Iii Indicaled ValueBv Cost APProach =$ 0
EtIImaIedIb1lHvu.tretRlllllS NtA XGrou~ Nil'. =S Nil'. IndicaIed V.... ~ InI:ane Aooruach
I SIInnBy 01 Income fer III8IlleI RlIIlInI GRM) Due to lhe lack d reliIble rental dala Ihe income -"""'*'" _ considered as not
- tWit tvIllI/sl I 1 Delached I IAIIad18d
Iallle lnc:onfldofllle~AssolWonIHOo\)? r IVesl INo
PIlIwIde lIle flIIowm InfonnaIlan fer PUOs ONlY rile is in axMoI of the HOA lDllhe is llIl alIached dweIna 00it
i t-J NlIne of PmlIIcI
ToIBI /lIJIIberof ol-. TIlIaIIUIIber oItds T ollII nunber 01 Ids sold
. T olaIl1lIIlber of unlls IllIIted TDlBI runberof unIs 1<< saI8 Data 5IlImllsl
w. lhe DRIied a8IIl8d bv lhe lDMlISion 01 slintoaPUD?f lves r INo If Yes. dale of IXlIlVeIliicn
Does lhe IlIdect conaln 1IlI&? r 1 Yes r 1 No Data SIUC8.
· Anllhe IIlIIs. amnon elements atd IllaIllIlIon facDies CDlllIllele? I I Yes I I No If No, deSaIle tile SIatus of COI11IlleIioIl_
.
AnlIhe common eIlImIlnls leased 10 or bv lhe HoII-ws AssocialIon? I I Yes I I No It Yes. describe \he l1!lIIallllmls and~.
Oesaibe ClOIIIlI1Ql\ elements lDl reaeaIionaI facilies.
NL - Re5iden1ia15I2OO1
ThIs bm may be I8pIlllb:ed unmodified MhoU written pemission, '-er, IIradbd Tecf1noIogies,lnc. must be acknowledged and crded.
ClickFQRMS Appraisal Software 800-622-8727 Page 3 of 10
Casa No.
This appraisal report is subject to the scope of worlt. Intended use. illt . definition of market value. statement of assumptions
and limiting conditions. and certifications. The Appraiser may expand tile SCOCIe of work to include any additional research or analysis
necessary based on the complexity of this appraisal assignment.
SCOPE OF WORK: The scope of work for this appraisal is defined by the complexily of this appraisal assignment and the
reporting requirements d this appraisal report form. including the following definition d malket value, _tement of
assumptions and limiting condilions. and certifications. The appraiser must, at a minimum: (1) perform a complete visual
inspection of the subject property, (2) inspect the nelgt\bortloocl. (3) insll8d each of the comparable sales from at Jeast the street.
(4) research. verify. and analyze data from reliable public lIlldIor private sources. and (5) report his or her analysis. opinions. and
CXlnCIusions in this eppraisal report.
DEFINITION OF MARKET VALUE: As per Fannie Mae the definition of market value is the most probable price..mid!
a property shOlAd bring in a competitive and open market under aI condltions requisite to a fair sale. the buyer and seller. each
acting prudently. knowledgeably and assuming the price Is not affected by undue stimulus. Impllcit in this defll1ition is the
oonsummation of a sale as of a specified date and the passing of tiDe from seller to buyer under conditions whereby: (1) buyer and
seller are typically motivated; (2) both parties 81'll-" informed or well advised, and each acting in what he or &he considers his
or her own best interest (3) a reasonable time is allowed for uposure in the open market; (4) payment is made in lerms of cash
in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price IllpI'llSel\ls the normal consideration for
the property sold unaffected by special or CI'll8tive financing or sales conce68ions" gran1ed by anyone associated with the sale.
"Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments 8I'll
necessary f(l( those costs which are normaay paid by sellers as a result d tradition or law in a markel area; these costs are
I'll8diIy identifiable since the seller pays these costs in virtually all sales lrlInsaCtions. Special or crealille financing
adjustments can be made to the compaf'llble property by comparisons to financing tBnns offered by a third party institulional
lender that is no! a/1ll8dy involved in the property or transaction. Any adjustment should no! be calculated on a mechanical
dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's
reaction to the financing Of concessions based on the appraiser's judgment
STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appIBiser's certification in this report is
subject to the following assumptions and limiting conditions:
1. The appraiser will not be responsible for maUers of a legal nature that affect either the property being appraised (I( the title
to it, except for infOfmatlon that he or she became aware of during the research involved in performing this appraisal. The
appraiser assumas that the title is good and marketable and win not render any opinions about the title.
2. The apprcIiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements.
The sketch is Included only to assist the reader In visIlaIIzlng the property and undarstanding the appl'lliser's determination
of its size.
3. The appraiser has examined the lIVBiIabIe flood maps that are proYided by the Federal Emergency Management /!v;Jery;y
(or other data sources) and has noted in this appraisal r&p(l(l whether arry portion of the subject site is located in an
identified Special Flood Hazard Area. Because the appraiser is not a surveyor. he or she makes no guarantees. express or
implied, regarding this determination.
4. The appraiser will not give testimony (I( appear in COUJt because he or she made an appraisal of the property in question.
unless specific arrangements to do so have been made befonlhand, or as otherwise requll'lld by law.
5. The appraiser has noted in this appraisal report any adverse conc:Iitions (such as needed repairs, deterioration. the
presence of hazardous wastes. toxic substances. etc.) observed during the inspection of the subject PfDP8Ity or that he or
she became aware of during the resMrOO inwlved in performing this appraisal. Unless otherwise stated in this appraisal
report, the appraiser has no knowledge d any hidden or unapparent physical deficiencies or adverse conditions of the
property (such as. but not limited to. needed repairs. deIerior8lion. the pr...-.ce of hazardous wastes, toxic substances,
adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such
conditions and makes no guarantees or warranties. express or impHed. The appraiser will not be responsible for any such
conditions that do exist or for any engineering or testing that might be l'llqlJired to discover whether such conditions exist.
Because the appraiser is not an expert in the field of environmental hazards. this appraisal report must not be considered as
an environmental assessment of the property.
6. The appraiser has based his or her appr8isal report and valuation conclusion for an appraiSal that is subject to satisfactory
complelion, repairs, or alterations on the assumption that the cornplelion, repainl. or alterations of the subject property will
be performed in a professional manner.
Nt- General Cel1ifalion 512001
lliI bm IIlIIt be nprodllted UIIIlGdliod wiIIooA ....... p&IIilIIsIon. '-.1lrlIIIllnI Tec:hnI*lgies.lnc. _ be eclIrowIedged lIId aedIlod.
C1iCkFORMS Appraisal Software 800-622-8727 Page 4 of 10
PRAISER'S CERTIFICATION: The Appraiser certifies and .t
1. I have. at a minimum. developed anc:l reported this appraisal in accords th$ scope of work requirements slllted in
this appraisal report.
2. I perfonned a visual inspection of the interior allll exterior areas of the subject property. I reported the condition
of the improvements in factual. specific terms. I identified and reported the physical deficiencies that could affect the
livability. soundness. or structurallntegrity of the property.
3. I performed this appraisal in accordance with the requirements of the Unlform Standards of Professional Appraisal
Practice that were adopted and promulgated by tile Appraisal SIandards Board of The Appraisal Foundation and lhat were In
place at the time this appraisal report was prepared.
4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales
comparison approach to value. I have adequate comparable rnarj(et data to dewIIop a reliable eaIes comparison approach
for this appraisal assignment I further certify that I considered the cost and income approactIea to value but did not develop
them. unless othelwise indicated in this report.
5. I researched. verified, analyzed, and reported on any current agreement for sale foe the subject property, 8lTj offering for
sale of the subject property in the IweIve months prior to the effective date of this appraisal, and the prior sales of the subject
property for a minimum of Ihree years prior to the effective date of this appraisal, unless otherwise Indicated in this report.
6. I researched, verified. analyzed. and reported on the prior sales of the comparable sales for a minimum of one year prior
to the date of sale of the comparable sale, unless olherwise indicated in this I'lIpOIt.
7. I selected and used comparable sales that are Iocalionally, physically, and funclIonally the most simlar 10 the subject property.
8. I have not used comparable sales that were the result of combining a land sale wlIh the contract purchase price 01 a home thal
has been built or will be built on th$ land.
9. I have reported adjustments to the comparable sales that relied the marItet's reaction to the differences between the subject
property and the comparable sales.
10. I verified, from a disinterested source. all information in this I8(lOrt that was provided by parties who have a financial interest in
the sale or financing of the subject property.
11. I have knowledge and experience in appraising this type of property in this market area.
12. I am aware of, and have access 10. the necessary and appropriate public and private data sources, such as multiple listing
services. tax assessment reron:!s, public land records and other such data souroes for the aree In which the property is Iocaled.
13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from
reliable sources that I believe to be true and correct.
14. I have taken into consideration the factors !hat have en impact on value with respect 10 the subject /IIIighbofhood, subject
property, and the proximity of the subject property to adverse influences in the development of my opinion of mlllltel value. I
have noted in this appraisal report any adverse conditions (such as. but not limited to. r-*ll1lp8irs, deIarIoration, the
presenat of hazardous wastes. toxic substances. adverse environmental condItIon8, 8Ic.) observed during the inspectlon of the
subject property or that I became _are of during the reseen:h involved In perbmlng this epprai8al. I hlMI considered these
adverse conditions in my analysis of the property value. and have reported on the eIfecl of tha conditions on the value and
marketability of the subject property.
15. I have not knowingly withheld any significant Information from this appraisal report and, to the best of my knowledge, aN
statements and information in thili appraisal report are true and correct.
16. I stated in this appraisal report my own personal. unbiased. and professional analysis, opinions. and conclusions. which
are subject only to the assumptions and limiting conditions In this appraisal report.
17. I have no present or prospective interest in the property that is the subject of this report, and I have no present or
prospective personal interest or bias wlIh respect to the perticipants in the 1ransaction. I did nol base. either partially or
completely. my analysis and/or opinion of market value In this appraisal report on the race, color. religion. sex. age. marital
status. handicap, familial status, or nationaJ origin of either the prospective owners or occupants of the subject property or of the
prlIS8I1t owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law.
18. My employment and/or compensation for performing this appraisal or any future or anIicIpated appraisals was not conditioned
on any agreement or understanding, written or otheIwise. that I would report (or preMnt analysis supporting) a predetermined specific
value. a predetermined minimum \IlIIue, a range or direction In value. a value that favors the ca.e of any party. or the attainment of a
specific result or occurrence of a specific subsequent event
19. I personally prepared all conclusions and opinions about the real estate that wen! sat forth in this appraisal report. If I relied on
significant real property appralsa'asslstance from any individual or individuals in the performance of this appraisa/ or the
preparation of this appraisal report, I have named such Indlvidual(s) and di&dosed the specific tasks performed In this appraisal report.
I certify that any individual so named is qualified to perform the tasks. I have not autt\oliz8d anyone to make a change to any item
in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it.
20. I identified the client in this appraisal report who is the individual, organization, or agent foe the organization that
ordered and will raceive this isal rt.
Nt. Genllral Certification 512001 TIis km ..., be"""""'" ~ wiIJoIA wrilIn pennisIlDn, '-.Ilrdanf TIl:Mobgios. Inc. nul be..........".,.... aediIod.
ClickFORMS Appraisal Software 800-622-a727 Page 5 of 10
21. I am aware that any diSdc:l8Ure or distribution of this appraisal report by the dient may be subject to certain
laws and regulations. Further. I am also subject to lhe provisions of the Uniform Standards of Professional Appraisal Practice
thaI pertain to disclosure or distribution by me.
22. K this appraisal report was transmllled as an "electronic recortl" containing my "electronic signature." as those terms are
defined in applicable federal and/or s1ate laws (excluding audio and video reconIings). or a facsimile transmission of this
appraisal report containing a copy or representation of my signature. the appraisal report shall be as effective. enforceable and
valid lIS if a paper version of this appraisal report were delivered containing my OIiginal hand written signalure.
SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that
1. I directly supenri$ad the appraiser for this appraisal assignment. have read the appraisal report. and aglll8 with the appraiser's
analysis. opinions. statements. condll5ions. and the appraiser's cer1ificalion.
2. I accept full responsibility for the contents of this appraisal report including. but not ~mited to. the appraiser's analysis. Opinions.
statements. condllSions. and the appraiser's certification.
3. The appraiser iden1iIied in this appraisal report is either a sulH:ontracfor or an employee of the superviSOly appraiser (or the
appraisal firm). is qualified 10 perform this appraisal. and is acceptable to perform this appraisal under the applicable state law.
4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and
promulgated by the AppnIisaI Standards Board of The Appraisal Foundation and thaI W81l in place at the lime this appraisal
report was prapenld.
5. If this appraisal report was transmitted as an "eIedmnic record" containing my 'eIeclronic signalure.' as those terms are
defined in applicable federal and/or state IlIws (lllldudlng audio and video recordings). or a facsimile transmission of this
appraisal report con1ainlng a copy or I~_ .llstion of my signature. the appraisal reporl shaH be as effec1ive. enforceable and
valid as if a paper vlII'Sion of this appraisal report _ delivered containing my original hand wrillen signalure.
APPRAISER
SUPERVISORY APPRAISER (ONLY IF REQUIRED)
Signatul1l /I4It-- M. L1,....
Name WIl8m No Da'Iia. PA centIlId ReeIdInIIaI R.E. ~
Company NamePl8mler~
Company Address 3015 HlnBI1I Ave.
C8mD HIS p" 17011
Telephone Number 717-7>>9588
Emal Address wdlIvt&~."""-' c:om
Date of SignaIunJ and Report 10-05-07
Effective Date or Appraisal1B-02-47
Slate CerIIficatloo # RL.00341l1-l
or Stale Ucense #
or Other (descme) Slate #
Slate PA
Elcpiration Date of Certification or Licerse 06-30-09
Slgnatul1l
Name
Company Name
Company Address
Telephone Number
EmaiI Address
Date of Signalura
State Cel1ification #
or State licen911 #
State
ExpinItion Date or Cartilicallon or license
SUBJECT PROPERlY
ADDRESS OF PROPERlY APPRAISED
. 8tI8ralIle Ro8d
Mec:lIanicsbura PA 17050
APPRAISED VALUE OF SUBJECT PROPERlY $ 187000
CLIENT
Name
Company Name Bell EaIale
Company Address 22 RlMI Palm Drive
Mec:h8nicl5bura PA 170511
B Did not inspect subject property
Did inspect exterior of subject property from street
Dale of Inspection
o Did inspect interior and exterior of subject property
Date of Inspection
Email Address
COMPARABlE SALES
aDid not in5pect exterior of comparable sales from
Did inspect exterior of comparable sales from street
Date of Inspection
Nl. GeneIaI CertiIication 5f2007
TIio form may be 19\1IOlb:ed lnIIOdiIiId witxd ....... pormiIsion. '-. llradIonI T~. Inc. lllIISl be ecIIl-'edged 111II a1Illiled.
ClickFORMS Appraisal Software 800-622-8727
Page 6 of 10
.
Borrower
PmoeJty Address 4 ~ RoOld
Cily MechenicsburD County
lender/Client BeiI Eslale
SKETCH ADDENDUM
.
CurnberIand
Address
File No. 709011
Case No.
Slate PI\. Zip Code 17D5O
22 RovaI Palm ome Mechanil:Sllwll PA 17D5O
~ -- 1
24.0'
I Deck Patio
I 28-0' 5.0'
Famly Room 16.0'
Dining Klchen DlnlnQ
Room Area I
26.0' Pwdr I
Stains
Room I
LJv ing I
Room 2 Car Garage 20.0' I
FOyer I
28.0' I
Covered Porch I
24.1)"
I
28.0' !
Bathroom
Bedroom
Bathroom
I 26.0' 26.0'
Bedroom Bedroom Stairs
28.0-
SKETCH CALCULATIONS P_et_ A... I
I
e AI: 24.0.5.0 = 120.0 I
"2: 52.0.11.0 = 572.0
A3: 28.0.,5.0 = 420.0
firot Aoar 1112.0
D A4: 28.0 .2Ii.D = 128.0 I
Second FI_ 728.0
T_ UvlllIII_ 1840.0
D AS: 24.0 .20.0 = 430.0
Abched GIorsge 480.0
I tot.. 68__ _.0
~
L
ClickFORMS Appraisal Software 800-622-8721
Page 7 or 10
Case No.
~
AdInss
..
. == AddtesS ~ BriarQale Road
City Mech<WlicsburQ CounIv
lenderICIient s.iI Eslale
PA ZioCode 17050
22 RoIIaI Palm Driw Mec:hancsburv PA 17050
ClickFORMS Apprais81 Software 80()..622-8727
Page 8 01 10
. = Address 4 Brilwoate Road
City UechdnicsbunI CountY
LenderfOienl B4IiI EsIIte
SUBJEcTPHO'rO ADDENDUM
.
Cumberland
Address
File No. 709011
Case No.
S\aI& PA ZiP Code 17050
22 RoYal Palm Dnve Mechanicsbura PA 17050
CIickFORMS Appraisal Software 800-622-8727
FRONT OF
SUBJECT PROPERTY
4 BrWgate Road
Mechanicaburg. PA 17ll5O
REAR OF
SUBJECT PROPERTY
STREET SCENE
Page 9 of 10
. = AddnlsS 4 BriaIOaIe RaM
Cilv MechanicsbuIJl CounIv
LenderlClient BeiI Estate
COlI PARABLES .
File No. 709011
Case No.
CuImerl8nd
AddrBSS
State PA ZiP Code 17050
22 RDiaI Palm Drive Mechanicsbun:I PA 11050
COMPARABLE SALE # 1
1113 Cocklin SIJ8et
MechllnicsbUIg. PA 17055
COMPARABLE SALE" 2
1203 Apple 0rMt
Mechanicsburg. PA 17055
COMPARABLE SALE" 3
906 E. ColMlr SIreeI
MechanicsbUIg. PA 17056
Page 10 01 10
.
.
PA REV-1500
SCHEDULE E
CASH, BANK DEPOSITS &
MISCELLANEOUS PERSONAL
PROPERTY
.
.
rl:1 M&fBank
499 Mitchell Street) Millsboro) DE 19966
August 28) 2007
Law Offices of
Gates, Halbruner & Hatch, P.C.
1013 Mumma Road
Suite 100
Lemoyne, PA 17043
RE: Estate of Joseph Ben
Date of Death: July 26, 2007
Social Security Number: 202-46-5176
Dear Ms. Sheridan:
In response to your request, please be advised that at the time of death, the above-
named decedent had on deposit with this bank the following accounts.
1. Account Type........................... Line of Credit
Account Number....................... 4258074505111969
Ownership {Names of}.............. Joseph Bell
Opening Date.... . .. .,. . ... .,. .. .... .. . .11 /03/06
Balance on Date ofDeath..........$125.47
2. Account Type......... .., .. . .. . .., .. . ... Checking Account
Accouni Number.............. ..... .... 14648148
Ownership {Names of}.............. Joseph Bell
Opening Date.............. ............ .08/28/81
Balance on Date ofDeath..........$5,264.57
Accrued Interest
$
0.00
Total.... .., .... ..... .......... ...... ... ....$5)264.57
. Page 2
.
.
August28,2007
3. Account Type. . ...... . .. . ... ., . ..... .... Savings Account
Account Number....................... 15004208558013
Ownership (Names of).............. Joseph Bell
Opening Date..... .., ................. ..10/07/82
Balance on Date ofDeath..........$1,018.08
Acaued Interest
$
0.07
Total. . . . . . . . . . . . . . . . . . . . . . . . . . .. . . . . . . . . . . . $1 ,0 18. 15
The above named decedent did not have a safe deposit box.
* If upon reviewing the information above, you believe there are additional accounts not
referenced, please provide us with an account number and/ or the name of any possible
joint account holder. For any additional information on the above accounts, including
ownership and any changes, closures and/ or reimbursement of funds, please contact
our Mechanicsburg branch at 5219 Simpson Ferry Road, Mechanicsburg, PA 17050, or
# 717-255-2031.
Sincerely, . /)7'.J'~ /
Oto~ V{I/vIiJ'J '-
Charlene Warrington, Records Management
1-888-502-4349
.
....-:.....
J
IeleJBIIIe Boot
THE TRUSTED RESOURQ.
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Home> Used Cars > 2001 > ~ > Grand Cherokee> Laredo Soort Utility 40 > Equipment
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2001 Jeep Grand Cherokee Laredo Sport Utility 40
Trade-In Value
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BLUE BOOKe TRADE-IN YALUE <i1jH~f''; fH,P
Condition <U'fHH'~ THIS?' Value
Excellent
$5,475
$4,975
$4,100
Good
Fair
Specifications
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Vehicle Highlights
Mileage: 95,732
Engine: 6-Cyl. 4.0 Liter
Transmission: Automatic
Drivetrain: 4WD
Selected Equipment
Change Equipment
Standard
Air Conditioning
Power Steering
Power Windows
Power Door locks
Tilt Wheel
Cruise Control
AM/FM Stereo
Cassette
Dual Front Air Bags
ABS (4-Wheel)
Roof Rack
Privacy Glass
Alloy Wheels
Blue Book Trade-In Value
Trade-in Value is what consumers can expect to receive from a dealer for a
trade-in vehicle assuming an accurate appraisal of condition. This value will
likely be less than the Private Party Value because the reselling dealer incurs
the cost of safety inspections, reconditioning and other costs of doing
business.
Vehicle Condition Ratings
Check Vehicle Title History
Excellent
OCOOr:..
$5,475
"Excellent" condition means that tile vehicle looks new, is in excel/ent
mechanical condition and needs no reconditioning. This vehicle has never
had any paint or body work and is free of rust, The vehicle has a clean title
history and will Dass a smog and safety inspection. The engine
compartment is clean, with no fluid leaks and is free of any wear or visible
defects. The vehicle also has complete and verifiable service records. Less
than 5% of all used vehicles fall into this category.
1ttp://www.kbb.com/KBB/UsedCarslPricingReport.aspx?ManufacturerId=24& Y earId=200 1& V ehic1eCI... 10/12/2007
GOOd. .
OOOtl $4,975
"Good" condition means that the vehicle is free of any major defects. This
vehicle has a clean title history, the paint, body and interior have only
minor (if any) blemishes, and there are no major mechanical problems.
There should be little or no rust on this vehicle. The tires match and have
substantial tread wear left. A "good" vehicle will need some reconditioning
to be sold at retail. Most consumer owned vehicles fall into this category.
Fair
~i"'''.:.~~.. ..
t..:ft...R.f.
"Fair" condition means that the vehicle has some mechanical or cosmetic
defects and needs servicing but is stili in reasonable running condition. This
vehicle has a clean title history, the paint, bOdy and/or interior need work
performed by a professional. The tires may need to be replaced. There may
be some repairable rust damage.
$4,100
Poor
C'
N/A
"Poor" condition means that the vehicle has severe mechanical and/or
cosmetic defects and is in poor running condition. The vehicle may have
problems that cannot be readily fixed such as a damaged frame or a
rusted-through body. A vehicle with a branded title (salvage, flood, ete.) or
unsubstantiated mileage is considered upoor. n A vehicle in poor condition
may require an independent appraisal to determine its value. Kelley Blue
Book does not attempt to report a value on a "poor" vehicle because the
value of cars in this category varies greatly.
* Pennsylvania 10/12/2007
Accurate Condition Appraisal
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determining its Blue Book value. Taking our 16 question condition Quiz will
ensure you know the correct condition rating.
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<9 2007 Kelley Blue Book Co., Inc. All rights reserved. Sep-Oct 2007 Edition. The
speciFIC information required to determine the value for this particular vehicle was
supplied by the person generating this report. Vehicle valuations are opinions and may
vary from vehicle to vehicle. Actual valuations will vary based upon market conditions,
specifications, vehicle condition or other particular circumstances pertinent to this
particular vehicle or the transaction or the parties to the transaction. This report is
intended for the individual use of the person generating this report only and shall not be
sold or transmitted to another party. KeJ/ey Blue Book assumes no responsibility for
errors or omissions. (v.0709B)
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2004 Jeep Grand Cherokee Laredo Sport Utilitv 4D
BLUE BOOKI$ TRADE-IN VALUE
- advertisement -
Condition
Value
Excellent
$10,775
./ Good
$10,045
(Selected)
Fair
$8,755
Average Consumer Rating (224 Reviews)
Read Reviews
1r;r~~tJ 4.2 out of 5
Review This Vehicle
Vehicle Highlights
Mileage:
Engine:
Transmission:
Drivetrain:
54,777
6-Cyl. 4.0 Liter
Automatic
4WO
Selected Equipment
Standard
Air Conditioning
Power Steering
Power Windows
Power Door Locks
Tilt Wheel
Cruise Control
AM/FM Stereo
Single Compact Disc
Dual Front Air Bags
ABS (4-Wheel)
Power Seat
Roof Rack
Privacy Glass
Blue Book Trade-In Value
Close Window
Trade-in Value is what consumers can expect to receive from a dealer for a trade-in
vehicle assuming an accurate appraisal of condition. This value will likely be less
than the Private Party Value because the reselling dealer incurs the cost of safety
inspections, reconditioning and other costs of doing business.
Vehicle Condition Ratings
1ttp://www.kbb.com/KBB/UsedCars/PricingReport.aspx?ManufacturerId=24&YearId=2004&VehicleCL.10Il 2/2007
Excellent. .
OOOt..."'1C $10,775
"Excellent" condition means that the vehicle looks new, is in excellent
mechanical condition and needs no reconditioning. This vehicle has never had
any paint or body work and is free of rust. The vehicle has a clean title history
and will pass a smog and safety inspection. The engine compartment is clean,
with no fluid leaks and is free of any wear or visible defects. The vehicle also
has complete and verifiable service records. less than SOlo of all used vehicles
fall into this category.
../ Good (Selected)
0000 $10,045
"Good" condition-means that the vehicle is free of any major defects. This
vehicle has a clean title history, the paint, body and interior have only minor (if
any) blemishes, and there are no major mechanical problems. There should be
little or no rust on this vehicle. The tires match and have substantial tread wear
left. A "good" vehicle will need some reconditioning to be sold at retail. Most
consumer owned vehicles fall into this category.
Fair
or..x:r - $8,755
"Fair" condition means that the vehicle has some mechanical or cosmetic
defects and needs servidng but is still in reasonable running condition. This
vehicle has a clean title history, the paint, bOdy and/or interior need work
performed by a professional. The tires may need to be replaced. There may be
some repairable rust damage.
Poor
o N/A
"Poor" condition means that the vehicle has severe mechanical and/or cosmetic
defects and is in poor running condition. The vehicle may have problems that
cannot be readily fixed such as a damaged frame or a rusted-through body. A
vehicle with a branded title (salvage, flood, etc.) or unsubstantiated mileage is
considered Hpoor.- A vehicle in poor condition may require an independent
appraisal to determine Its value. Kelley Blue Book does not attempt to report a
value on a "poor" vehicle because the value of cars in this category varies
greatly.
* Pennsylvania 10/12/2007
lttp:/lwww.kbb.comIKBBlUsedCars/PricingReport.aspx?ManufacturerId=24& Y earId=2004& V ehic1eCl... 10/12/2007
.
.
PA REV-1500
SCHEDULE H
FUNERAL EXPENSES and
ADMINISTRATIVE COSTS
O~FLOFLOOO LL;LL
'1."::l~t:)/:J1
L"
.
Cremation Society of Maryland, Inc.
299 Frederick Road
Baltimore, UD 21228
PHONE: (410)788-1800
No. 07-133
DECEASED Jo_l)h P. Bell
DATE OF DEATH July 28, 200'7
PlACE OF DEATH Joh... HoDkIn. Ho*pltal Baltimore. MO
DAn: OF STATEMENT July 26.11007
A.. CHARGE FOR SERVICES SELECTED
7.1'rOIea/0IYI $~:
BMlc Servlc8a of Funeral OIreotor. Staff..__..........
EmbOlmIng.. _....__........ ....__.. ._......... .___. .......
Other prep8nItlon of body................ ......_..........
.00
.00
.00
.00
%. FecI1ItIu, Equ/plnrJt & swr:
UlI8 or F8CIIliea & std fDr 'JIewIngMdation.... ''''''
Uae of FIdIIIH & Statr for FunetaJ CeremonY.....u...
Use of FacIIIIIM I Statf for MernoriaI ServIce.. ,'....no
Ute of Equipment & Slafffor GraY8llide ServIce......__
Use of Equipment & Staff for Chureh SeJ\Iic........u..
.00
.00
.00
.00
.00
.00
3. TrMspotflltlon
Tnlnsfer ofRem1li1\5 to Funeral Home....m.mno......
H88rse.__........._ ...... ...... ._.... "'''''' .... ..uu.......
UrnOUltine.......... '"'''' ...............u _ __. u... ..... ......
Seclarl-...............__..... ....~... ....... ..... ... .....__..~
SeNk:e I Utility v.hicIe.....................__.........._...
.00
.00
.00
00
lID
4. 0Ihet
....._....... ........0. .............._. ........ ....... ._....... .00
......... .... ...... ...... ........ .........__..... ...... .....__.... 00
... ............ ___.. .......n......... .... ""_' ..... ........... .00
mAL OF SERVICES SeLECTED......................................... S
B. CHARGE FOR MERCHANDISE SELECTED
CaI*8l (or ofIBr r&eeJKada) ...h.__..u.......u..____....u.._..........._...
Neme/No.Caaket
MlMWtal
Coler
0uI8r BuTIaI COntaIn8r UUh...__....'u..__........._............__............
NtJme/No. ~r CanbJiner
Malena!
AdcnowIedOement CardS........... ...... .... u.....o...... ..... ...... .........
Prayer Cards-Sox of 100 "'u...u..'"'' 'Oou..'" ..__......... ...............
~ter 900k............. ...... ....... 'u.. ...... h... ...... ..n......... ........
Clwnallon Urn Mac:K8nZI8 Navy ...n..........__........._.._..............
lOTAL OF ~CHANOISE saECTS>>..nom...................m..... $
C. SPECIAL CHARGES
o FoIwarding rernaInS to:
o Receiving remains from:
Ill'lI1I8dlate Burial. ......._ "'" . n'_ _..... ,hh _ _ .... _____...... ....... .........
.DInlCl Cremation. no. n.... _ .n.......... n...... h ""n.' ..n...... .............
Other......._. no. ......_. ..._.... ..n. ....... .n.' .......n... ,.nh ......_........
TOTAL OF SPECIAL CHARGES.......................__........._.....__... S
TOTAL FUNERAL. MOUE CHARGES........... __... ....m...... .__........ $
(ThIa toIa1 does m)r incIud8 Caah AdvenOO.$)
1.190.00
~lG MEQi PAGE 81
FUNERAL GO.ND'S'ER~CES SELECTED
Ch~ .,. only for Ihoae Items that you aIeded or lIJat 818
rJqUiied. II we IIIe reqult8d by,1aw at 151. c.,.,41hNY or ctemBroty
to II>> any /lems, WIt WII flxpIIJII) ~ In wrtflng below.
If you 8MOMlJ . flI'IeIIII met fF!tlY Mgun ~8UI2h 1M.
~::. ~'G'~fO~"'bIJlmIng.lf YOU
~ ~1Udr .dC~""::r~
buIfeL If=== for~ we wiIIexpfltln why beIDW-
C4ll1IIIIcS COpIes of Death ~
---.!L @ S 12.00 each
$
1ilO.OO
.00
DO
00
00
00
DO
00
00
QC
or
Ol
TOTAL CASH AOVANI:esS 12001:
we ~)Ou rot o..-lIllNiCM In llbIIIn_/IPdJ calll ___ iletM).
.00
CIerav
MuaIcIllt1
P3id NllwKmtDM Nolice
Cam&tarv .
Other
SUMMARY
Total Fun'" Home Ctlarg8a___........__...........__ $
LcalSIll6s Tu (f appIIcabIa) .....___n............_ $
SlIle SaIII& Tax (If appIIC8bIa) ..m_h.._..___...... .
Total Caah ACSY8IICl8I ........._._..........____..... S
GRAND TOT,lL C
1.1900
.0
o
120.(
1.310.0
.00 Leas Credb and PrtP'Yl&Ms
mIc tw LaAnne B8I/ rac'd 7128107 $
'-
TobI/ CredIts._....__.....__.......___.._...... .
BALANCE DUI! .. rs-
.00 BIln9TQ~.1L 8ei/
q D...u.I ~ ~
1.310.00
.00
U10.oo
0.001
MliOhlmlcalua. PA 17060
DISCLOSURES
.00 R8aoIIIbr~NlA
ao :::=;::::r::t:1I1~~~b*w.
NfA
.00 ACKNOWLIDGEIIENT AND AGREEMENT
I hMby dnowledge tMt I 111M lie IBga.I rtaht III ami. the tin
IeIVIca for the d.ceaMd. and I authCll1B tam funerII MtabIIthm
to perfonn tefVk:as, furnish goodr;. and inclUr outside charges
specified on thl& St8t8menl 1 aclCnOwl8dge Ihat I have ~\ve(I1
Ge,**' PrIat uat and the Cuket Pr1c>> LIlt find the OUter SuJlil
~r PrIce Li5l
.00
.00
.00
.00
.00
196.00
.00
.00
195.00
Terms of Payment Uoon nICH:It oIlh1s It1Iement
Full payment Is due no I8t8r lhaft July 26. )J07
If. payment Isl\ot pIllS WhIIn due. an unri:iplled LATE CHAF
of~ per monIh. (ANNUAL PERCENTAGe RAIEll.t y.
on the unplIld ~ wi be due. I 8111'" kl PlY the eiiIiCi D
IIIled on IhIJ Statement. pu all)' ~ 0Il8rna. In the event I dE
in paymenllO "II f\Inld eltatlllhment. II{'" to PflY fUIONl'
BItCfM1a .... and QHIrt com In afdlion tD My l.atB Chili
appbIbIe. '1 undl!ll'8tand 8tId agrM that I anI _mlnsJ J*tCIII
lablllly for IhI dlargw set forth In thS StatII1lellt BIId that tlll8 is
aclcltion to 1M 1IablI1y Impoeed by IJW upon tilt ..tate of
~n::r~~.~...
and teeelpt of thls.
l
&lrJII SecurtIY N\lmber
.00
.00
995.00
.00
995.00
By
1 t:lf t:l:J1 Lt:lt:l IlL: :Jt:l
11'/":1t:lt:lt:Jt
~t4H.> Mc.l.H
.
.
t-'AtJc. t:ll
RECEIPT FOR PAYMENT
======--~~~-~--====
GLENDA FARNER STRASBAUGH
Cumberland County - Register Of Wills
One Courthouse Square
Carlisle, PA 17IT13
ReceiPt Date;
Rece.+Pt Time;
Rece.lpt No.:
8/09{2007
13:j3;25
1049475
BEIL JOSEPH P
Estate File No.:
Paid By Remarks:
2007-00753
LEANNE E BBlL
CJ
Pee/Tax Description
PBTITION LTRSTEST
WILL
SHORT CERTIFICATE
JCP FEE
AUTOMATION FEE
Check# 594
Total Received.. .......
Receipt Distribution ------------------------
Payment Amount Payee Name
310.00
15.00
20.00
10.00
5.00
----------------
$360.00
$360.00
CUMBERLAND COUNTY GENERA:~ FUN
CUMBERLAND COUNTY GENERA::" FUN
CUMBERLAND COUNTY GENERA:J FUN
BUREAU OF RECEIPTS & CNTR M.D
CUMBERLAND COUNTY GENERK~ FUN
.
.
CUMBERLAND LAW JOURNAL
32 SOUTH BEDFORD STREET
CARLISLE, P A 17013
September 14, 2007
Cumberland Law Journal is published every Friday by the Cumberland County Bar
Association and is designated by the Court of Common Pleas as the official legal publication for
Cumberland County and the legal newspaper for publication of legal notices.
TO:
Lowell R. Gates, Esquire
Joseph P. Beil, Estate
RE:
Legal advertisements must be received by Friday Noon. All legal advertising must be
paid in advance. Make all checks payable to: Cumberland Law Journal.
Advertisement inserted on following dates:
August 31, September 7, and September 14, 2007
Advertising Cost
75.00
Proof of Publication
$ 0.00
Second Proof Request
$ 0.00
Payment received
$ 75.00
Total Amount Due
$
0.00
Becky H. Morgenthal, Executive Director
.
.
PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No. 587, approved May 16, 1929), P. L.1784
COMMONWEALTH OF PENNSYLVANIA
ss.
COUNTY OF CUMBERLAND
Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and
State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law
Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid,
was established January 2, 1952, and designated by the local courts as the official legal
periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly
issued weekly in the said County, and that the printed notice or publication attached hereto is
exactly the same as was printed in the regular editions and issues of the said Cumberland Law
Journal on the following dates,
VIZ:
August 31 ~ September 7 ~ and September 14 2007
Affiant further deposes that he is authorized to verify this statement by the Cumberland
Law Journal, a legal periodical of general circulation, and that he is not interested in the subject
matter of the aforesaid notice or advertisement, and that all allegations in the foregoing
statements as to time, place and character of publication are true.
'- ~
~arie Coyne, Ed' or
SWORN TO AND SUBSCRIBED before me this
-H-dayof September. 2007
Q/~4~~d~
Notary
Bell. Joseph P.. dee'd.
Lat~ of the Township of Silver
Spnng.
Executrix: Leanne E. Beil, 22
Royal Palm Drive, Mechanicsburg
PA 17050. '
At~orneys: Lowell R. Gates, Es-
qwre, Gates, Halbruner & Hatch
P.C., 1013 Mumma Road, Suit~
100, Lemoyne, PA 17043.
NOTARIAl SEAl
DEBORAH A COUINS
Notory Public
CARLISlE BORO, CUMBERLAND COUNTY
MV Commission Expires Apr 28,2010
([be patriot -NL4IUs
Now you know
Order Conttmation
Customer
GATES, HALBRUNER & HATCH, P.C.
Orderer Account Number
41052
Paver
Paver Account Number
41052
GATES, HALBRUNER & HATCH, P.C.
A TIN: TRACI SHERIDAN, PARALEGAL, 1 013
MUMMA ROAD,SUITE 100
Lemoyne PA 17043 USA
II For Any Questions, Please Call 717-255-8459 II
Ad Order Number 0001737246
Sales Rep. rholton
Order Taker rholton
Order Source Fax
Special PricinQ None
PO Number ESTATE OF BElL
Ordered Bv TRACI
Customer Fax
Customer EMail
Customer Phone 717-731-9600
Payer Phone 717 -731-9600
Blind Box
Promo Type
Tear Sheets
o
Proofs
o
Affidavits
1
Invoice Text
Materials
Total Ad Cost
$279.90
Payment Amount
$0.00
Payment Method
Amount Due
$279.90
Ad Number Ad Type
0001737246-0. Legal Liners
Ad Size
: 1.0 X 20 Li
Color
<NONE>
Production Method Production Notes
Ad Booker
Product Information
Classification
# Inserts
PNCO::Full Run
806-Estate Notices
Run Dates
3
8/24/2007, 8/31/2007, 9/7/2007
Run Schedule Invoice Text
ESTATE NOTICE LETTERS TESTAMENTARY for the Estate of JOSEPH P. B~JJ
9/7/20077:53:00AM
.
.
THE PATRIOT NEWS
THE SUNDAY PATRIOT NEWS
Proof of Publication
Under Act No. 587, Approved May 16, 1929
Commonwealth of Pennsylvania, County of Dauphin} ss
Joseph A. Dennison, being duly sworn according to law, deposes and says:
That he is the Assistant Controller of The Patriot News Co., a corporation organized and existing under the
laws of the Commonwealth of Pennsylvania, with its principal office and place of business at 812 to 818 Market
Street, in the City of Harrisburg, County of Dauphin, State of Pennsylvania, owner and publisher of The Patriot-
News and The Sunday Patriot-News newspapers of general circulation, printed and published at 812 to 818 Market
Street, in the City, County and State aforesaid; that The Patriot-News and The Sunday Patriot-News were
established March 4th, 1854, and September 18th, 1949, respectively, and all have been continuously published ever
smce;
That the printed notice or publication which is securely attached hereto is exactly as printed and published
in their regular daily and/or Sunday/ Metro editions which appeared in the 24th and 31st day(s) of August and the
7th day(s) of September 2007. That neither he nor said Company is interested in the subject matter of said printed
notice or advertising, and that all of the allegations of this statement as to the time, place and character of
publication are true; and
That he has personal knowledge of the facts aforesaid and is duly authorized and empowered to verify this
statement on behalf of The Patriot-News Co. aforesaid by virtue and pursuant to a resolution unanimously passed
and adopted severally by the stockholders and board of directors of the said Company and subsequently duly
recorded in the office for the Recording of Deeds in and for said County of Dauphin in Miscellaneous Book "M",
Volume 14, Page 317.
PUBLICATION
COPY
~~
.. ,. ~
s~~~.;~.:~.~~~~...~e.. ..;:~~~~~~;~!:~i~:~..~~..
ESTATE NOTICE
LETTERS. TESTAMENTARY for the
Estate of JOSEPHP.8EIL.. deceased.
. late of the Township of $lIverSpnI1D,
Cumberland. CounIY" P.en~YIv.Pnl~Ji~.
1119 been grantectto t~u~sme<I' on
August 9, 2007, all. persoJ\~~I.J'idebti!9 to
ttie Estate ore recwe$te4to. make .Imme-
dJate payment and fh!)$e I1ciVtng .clalms
against the Estate arereque~ to pres-
_ e-rit them for settlement without delay
to:
LEANNE E.BEIL,Executrlx
22 Royal Palm Drive _
MechanlCSbUrv, PA 17051
Or to:
LOWELL R. GATES, ESQ.
Gates, Halbruner & H~, P .C.
1113 Mum...a-RllQCI, SUItaUO
Lemoyne, PA 17M3
GATES, HALBRUNER & HATCH, P.C.
ATTN: TRACI SHERIDAN, PARALEGAL
1013 MUMMA ROAD, SUITE 100
LEMOYNE, PA. 17043
Order Confirmation
Ad Order Number Customer Pavor Customer
0001725265 BElL BElL
Sales Rep. Customer Account Pavor Account
ghartman 166427 166427
Order Taker Customer Address Pavor Address
ghartman 22 Royal Palm Drive 22 Royal Palm Drive
Order Source Mechanicsburg PA 17050 USA Mechanicsburg PA 17050 USA
Fax Customer Phone Pavor Phone
717-795-8826 717-795-8826
PO Number
Special PricinQ
None
Ordered Bv
email
Customer Fax
Customer EMail
LEANNE.E.BEIL@saic.com
Tear Sheets
o
Proofs
o
Affidavits
o
Blind Box
Promo Tvpe
Invoice Text
Materials
Net Amount
$300.41
Tax Amount
$0.00
Total Amount
$300.41
Pavment Method
Credit Card - VISA:7191
Payment Amount
$300.41
Amount Due
$0.00
Ad Number ~
0001725265-01 Obits Paid
Ad Size
: 1.0 X 85 Li
Color
<NONE>
Production Method
Ad Booker
Production Notes
External Ad Number
Ad Attributes
Ad Released
No
Pick Up
7/30/20074:52:20PM
-~~~~,~~~~~_. -"--en.. 'r7,u~,_~_~____~~~:,_6~',_~~~r'~'"
- ,i:"
, " I ... . _ . r -.. . ': , ",~: (' if '::
.. ...st..tatsn::P'e8#T:: .. .... ;.. jiAii,d ..: .':1
AUG.17-SEP.l~I~001 1 OF 2
02/28/2008 13:56
~'M&TBank
7177906.
- . :. . - -.-: . -: ..... ..... ~.. . ~ .. .
00
o 06117H NH 017
54484
JOSEPH P BElL
4 BRIAR GATE in
MECHANICSBURG PA 17050-3178
L ::
. . ... ......
. . . ... ....,....
.. . .
ACCOUNT
TYPE
ACCOUNT
NUHBER
lNTEREST EARNED
yEAR-YO-DATE
"llURITY
DAre
! :< ~:~ ':<:: >~:.:~~<~>+ <':SELE:ctE~D'~ AC:C:O'[jNT':::StJ;M,KAR'Y:~:"T':<' ;;\::~ ::::':::':~ ~:~~ ~ C ~~ T .::!: :: ':; .;~ :~: ;:1
ERODI;
n.l!.AHCE
RELATIOMS"I~ CHECKING
NIT PERSONAL SAVINGS
00&ODD8146431.48
Ol!iOO(f2085st013
0.0.
2:.28
0.00
0.00
r ~~::;~:=== L .JOSEPH P 8EIL
: '1':a't:e::: :
RELATXONSH1P CHECKING
ACCOUNT NO.
14648148
MECHANJ:Cs.lJU
ACCOUNT SUMMARY
L':;;'~:~.U:-}'.>T ,~>~;oi:.~~~' ~< :.//n~H~ ,'~~A~ri~~<;) );'.>~t.D~~/~;::;:'~ ;':.:
NO . AJtOUtIT NO. AIIOUNT J<<) . /41'1DUNT
llc.lO.74 t) 0.10 6 132.08 676.66
08.11-0 BEGIMNlHG BALANCE
08~11-07 CHECK ~eR OlSZ
08-17-07 CHECK HUMBER 1150
08-17-07 CHECK MUHBER .,148
08-20-0 PATRIot MEWS CHECK PYKT 0000000000001S1
0$-21-07 CHeCK tM"IB~R o14CJ
08-24-0 CHECK NUttBER olS4 '~
0&-27-0 CHECK NUMaER 01!i~ (tltll~ Spvit)
08-28-0 ERIE lIFE INSUR PREH
0'-04-0 VERllON ARC CHECK PYHT 00000000000015S
09-04-07VZ WIRELESS ARt ARC 00000000D000156
0'-06-07 CLOSEOUf
atDIHG BALANCE
$1,ftlD.74
837.62
820.37
8410.&3
704.73
661.41
642.28
460 .12
0.00
~D.OO
l/VIllll fAln7\
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USAGE HISTORY
Monthly usage in thousand gallons
:::T
.-:1
I:tJ
'-:J
n
o
Oct Nov Jan Jan Mar Api' May JUn JLJl Aug Aug Oc;t Nov
Nl!Xt meter reoC1ding date: on or about 12/0112007
Previous Balance
Payments Through 11/02107 Thank rl>U
Balance Forward - PAST DUE*
Current Charges Due 11/2212007
11102107
00200999492654
$48.45
$24.04C
$24.41
$24.51
Billing Date:
Account Number:
srRVICE TO~ JOSEPH P BElL
"'"Past f)lJ@ Balance may be subject to late charge$, collection
and/or termination.
*PAY BY 11127/07 TO AVOID A 1.5% LATE PAYMENT CHARGE
SERVICE ADDRESS: 4 BRIARGATE RD MECHAN1CSBURG PA
64810615
1 Of 0 1/07 11101/07
31 3 MGL ACTUAL
[(lV/VAI.ENT ro 3,000 GALLONS
$8.50 W-STAS SURCHARGE
$15.41 W-PEN DB
$0.27 r'fOTAl CURRENT CHARGES
SEE REVERSE SIDE FOR IMPORTANT ACCOUNT INfORMATION
$0.03 CR
$0.36
$24.51 I
SERVICE CHARGES
WATER CHARGES
W-OSIC SURCHARGE
Several Western Union Locations are now available for United Water Pennsylvania Customers who prefer to pay their bill in-person.
Interested customers may call us at 717-564-3662 or toll free at 888-299.8972 for further information. If you would like to pay
yout bill online, please VIsit our website at www.unitedwater.com and click on the Western Union's S~dpay icon.
Approximate state tax included on this bill $1.16.
DODOAE PLEAS!> DgACH HER!> ^ND RETlIRN THE BOTTOM PORTION WITH YOU~ PAYMENT IN THE RETURN ENVELOPE PROVIDED. I~OCTOT looe2OOT
___.---------..-------------------..-----------.-----.._---------.----------~..-------------------.--------.------------------.-----------..-----.-1~-oc;:ii7rOoi2007
D
Account Number:
Balance Forward - PAST DUEIt
Current Charges Due 11/2212007
fIfD~'f" ~ "":':' .....
. I .!~~;:~~:~::;;~:...'... . . . . -
Please check this box if you have made any p' fL' / { i~rac /. Payment Amount Enclosed $'
changes to the information on the rever~ side. ,! I' C;:'fd~( I
,J. J
V (C( tin' I ::JElH 0
. f, r - ~llltflll.ltll.I'dllll'IIl,III,lllllllh.IIUI,'IJI.I..II.11I11
11'11'11,11"1 It II1I II lilt ,I,. n.. III 111.11 n ,111111111,1' 1111'11
UHAUTOH5-DIGIT 17050 68 T1~1
JOSEPH P BEll
4 BRIAR GATE RD
MECHANICSBURG PA 17050.3178
u~/'( United Water
-> ..s~z.
8189 Adams Drive
Hummelstown, PA 17036
SERV1CE ADORESS:4 BRIARGATE RD
MECHANICSBURG PA
0020099~J492654
$24.41
$24.51
~
~"
~~
UNITED WATER PENNSYLVANIA
PAYMENT CENTER
PO BOX 311804
PllTSBURGH PA 15250-7804
0020099949265400000004&92000000003
'.;]Bi~l~~~f~itb~~~;~\~~~F',..
USAGE HISTORY
Monthly usagE! in thousand gallons
:r
...,
co
\.!)
r\
Cl
Aug Oct Oct Nov Jan Jan M.lr Apr May Jun Jul ^ug Allg
Next mE!ter reading date: on or about 1010312007
S~R\lICE TO: JOSEPH P SEll
SERVICE CHARGES
WATER CHARGES
W-DSIC SURCHARGE
W-STAS SURCHARGE
TOTALCURRENTCHARGES
$8.50
$15.41
$0.16
$0.03 CR
$24.04 I
iJi:~~~;'::::.:,;~,~~~~~~1~;;i~;i~1i~~~~jii;~1~~~t~::t~t~~f~~;i~~0;~~j~~~i~t~1~~g~~1~;STI!fS~~:~~~~t~;~~;~i~~;~~@tI~.~Ii,~$:',:.:~~~:
Several Western Union Locations are now available for United Water Penn
Interested customers may call us at 717-564-3662 or toll free at 888-29
,our bill online. please vISit our website at www.unitedwater.com and click
~pproximate state tax incloded on this bill $1.16.
..); ;~1ft7KiCkrl.:;.~f:.:1
. .v<'.'-"'( u~DItt:u'~;II;a.F~" ~ '. ,
.. . .~~~~.,....:<//.,.::;:., "\(~~~~;; /<:"':.'
09,u4107
00200999492654
Balance $78.04
ts Through 09/04/07 Th.,,,k Y!)u $78.04C
Forward $0.00
Charges Due 09/2412007 $24.04
:'~MQQ~II~fjq~~~3.~;~~1.i~:~;~~~sf!.i~.~~~<~f~Z~ft1i~~~;~~~f~\~}
9/29/07 TO AVOID A 1.5% LATE PAYMENT CHARGE
: 4 BRIARGATE RD MECHANICS8U~G PA
^CTUAL
Customers who prefer to pay their bill in-person.
for further information. If you would like to pay
Western Unionls Speedpay icon.
Goall~
PLEASE [IElI\CIi H(R[ MiD AtTUR~ nlE BOTTOM PORTION Wl'rH yOu!; PAY
I TIlE ~CTI)RI\I (NVUOPI:PROVIOED. '300.AJlDf1ll\.~7
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~r~.:' United Water
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8189 Adams Drive
Hummelstown. PA 17036
SERVICE ADDRESS: 4 8RIARGATE RD .~ ,ki' (j- ~f\
MECHANICSBURG PA Ol}..~r~~\ 0, eJo\.
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4 BRIAR GATE RD
MECHANICSBURG PA 11050-3178
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371804
URGH PA 15250-7804
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PAGE 01
SILVER SPRING TOWNSHIP AUTHORIT"V
February 14,2008
Certified #:7007 0220 0002 4763 7483
Joseph Beil
4 Briargate Road
Mechanicsburg, Pa 17050
RE: Sewer Account #816-821
Dear Mr. BeiI:
Our records indicated that your sewer rental account has entered into a delinquent status. The
present balance due to the Silver Spring Township Authority is $228.20.
Authority policy requires that the summary of coUection charges be sent along with a.l1
delinquent account notifications, which is enclosed with this letter.
Please pay the full amount due by 2:00 PM on Ma~h 14, 2008. Accounts not paid in full by
.March 14, 2008 are required to be turned over to the Authority Solicitor for coIlections~ as per
Resolution A-2006-03.
If you have any questions~ regarding this matter, please contact the Authority office at 591"1370.
pd-- i~/Og
\I'~ ~'tl ~
Sincerely,
b-t1~
Susan Hostetler
Office Administrator
Enclosure
SFH/sfh
:". .
cc: File
:" F. MlIin Stl.CCt. P.o. Bo;'\ lOOt. New Kingstowl1. PA 17072-J001 . (717) ;~1-1370. (717) 591-1373 PAX
02/28/2088 11:22
PPL Electric
Utilities
Electric
Service
Fat:
JOSf.PH BBtL
4 BRIAR. GATE R.D
MECRANICSBURG PA ) 7050
QuestiODI about
this biD'? Please
contact 'OS by Feh 25
at 1-800-342-5775
(1-800-DIAL-PPL)
or write to:
-CD5~ Seniee-
p;J,7 R1msman Rd.
ADEDto~ P A
18104-9392
www.pPlelectric.oom
71779B67.
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.
Page J
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08450-81003
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Summary Page
Ba)anceas ofFeb 4,2008 $37&35
Cha-mes:
Totar.PPL ELECTRIC UTILITIES Chmge5 $188.00
Total Ch2~ $566.35
__.~~"1~~<mr~
Account Balance $566.35
Electric
Use
This graph,shows
you( eJ ectn.c use
over the last 13
months.
:Jypcs of
Meta' Readings:
Actual .
~.stimated ~~~a
C.avomer 0
KWH - Average Per Day Meier Readill1; liaf0nD8iloB
144 Meier fIfr1467486
Feb 4 Actual 3.5]]7
120 Jan 7 Actoal 32528
28l)ays KWH BiDed 25i9
96
A YeJ'BIC .. Fcb 2807 ZM8
12 kmmre 34F }3F
Per Day 117 92
4S Yearly lJRu: foCal AY~
24 .. UlIe Mo~
II Mar 2006 - Feb 2007 27480
Mar 2007 - Feb 2008 24969 208J
0 I
FMAMIJASONDJF
2007 MonthR 2008
Other important joConnadon on back. +
R~lwn ;}ns part to address below witb.a dla.k payable to PPL Electric Utilities Corponttiou
i:~~. .'
08450-81003
, ....:,*~l
~ Feb-;~. ~~ ~,. r=1
ITeroo 00.00
AV 01 014285 71496B 73 ^..5DGT
JOSEJ'H BF..IL
4 BRIAR GATE RD
MFoTANICSBURG P A. 110:50-3 t 78
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2 NORnl9TR STREET RPCGRNNl
AJ...l.nNTOWN PA 18101-1175
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PAGE 02
6 .
PPL EleCtric
Utilities
Electric
Servic~
For:
JOSEPR SElL
4 BRIAR GATE 1lO
MEC:HANJCSBURa PA 17050
Qaesti"UolIt
this bill? Please
contact us by NoV 26
at l"'34}.S77S
(l.....DtAL-PPL)
or ~ to:
Cu.-tomer Servb
82 7 RaIl8lD8li Rd..
Allentown, P A
18104-9392
www-ppldectric.com
Electric
Use
This gfcIph shows
your electric use
over the last J 3
months.
l)rpcs of
Miter Readings:
Actual .
1::..._.-.1 ~.:~'~~
~u.u.MJ&aJ. .*..:;:
Customer D
. ,.::.
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Page I
fJ^'
~t~
N~tY
Balance as or Nov 5, 2007 ~ '-1-
Cb~'
TotafPPL ELECTRIC UTILITIES Charges
Total C:larges
Summary Page
$0.00
$76.05
$76.05
144
KWH - Average P<%" Day
120
96
72
48
2006
52F
61
Total
Use
290J6
25378
24
o
NDJFMAMJJASON
2006 Months 2001
Return dUs part to address below with a check payable to PPL Electric
Other important in
08450-81003
.:~~~~::~. . _hut ,... ,,, :. ~W;:~~~:
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$76.05
265J9
25333
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..
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^V 01 017031 426778 82 A.~5DGT
JOSEPH BEll..
4 BRlAR GATE RD
MEClJANlCSBURG Ph 170~3J78
.ODD.DO
C UTILITIES
H STREET RPC-GENNI
PA 1810l-IJ75
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PPL Electric .,. .. ",. :;*~::::~~~:::;~,.
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.._-.,,~~:~s.~:.
Electric Summary Page
Servi~e
Balance as or Oct 4, :2007 $(>>'00
For: ?~L ELECTRIC UTILITIES Charges
JOSEPH BBJL $180.00
4 BIUA.R GAIE RJ)
MECHANICSBt,JRG PA J7DSO Total ChafP!' $180_00
Account Balance $ J SO.OO
Qaesticas about
this biD'! Please
con~Oct 25
at 1 5715
(l-8Ol-DJAL.PPL)
or 1V'I'ite to: ..
Cast.mer Setviec
827 Hausman Rd.
A))ent~PA
18)04-9392
www.pple1ectric.a:ml
Electric KWH - Average PC'1" Day
Use. 144
25333
120 24223
1bis~ shows lTIO
vour eleCtric use 96
ovetthe last J 3 2096 200'7
months. 72 64F 69F
Upesof 38 38
eter Reading5: 48 To'" A~
Actual . 24 Use 1\10 241
28929
Estimated ~ 25960 2JG3
0
C.u..~ome:r D ONDJFMAMJ JASO
2006 Months 2007
Other important in
Retu:m this part to addres-~ below with a check payable to PPL Eledri
::~;:~~::~~;y:~: ...... .... . ~~:~~~~
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~ \ () Amount
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2NO
ALL
08450-81003
AV 01 014600 336318 82 A..5DGT
JOSEPH BElL
4 BRIM GATE RD
M'ECRANICSJnJRG PA 17050-3)78
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Electric Summary Page
Service
BaJam:e as of Sep 5, 2007 SO_DO
For: ~L ELECTRIC UTILITIES Charg
JOSEPH BElL $180.00
4 BJUAlt GATE RD
MECHAl'OCSBtJllG PA )7050 Total Chargn $180.00
Account Balance $1.80.00
QDestiGa....boat
this biB? Please
CODtId~26
at 1-881-; . 5
(l"O-DIAIrPPL)
or write to:
C~.Set"riee
827 HmIsman'Rd
Al~A
18) ()4..9. ",
www.pple1edric..com i
Electric KWH - Average Per Day din~ Tnformauoa
Use 144 467486
Actual 24223
120 Actual 23128
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your eleCtric use 96
over the bIst ]3 2006 2001
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Actual . 24 UIe MOIItII
29646 24
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... 0
Customer D SOND J FMAMJ J AS
2006 Mombs 2007
Other important i formstion on back ..
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08450-81003
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JOSEPH BEn..
4 BlUAll GATE RD
MECllANICSBlJRG PA 11050-3178
DODD 0 D.D 0
PPliEI.ECTRlC UTlUTIES
2 NpRTH 9TH STREET RPC-GENNl
AllENTOWN PA J8101-1175
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Service Ch..ges Detail
Date
Oesaiption
,amount
Previous Balance
Payments
07/25
f;"191.80
Payment-Thank _ ~ ou
Total Payments
191.80 Q"
!ijfi]ij cr
Corncast Cabfe TeleVision
08124 -09123 Basic Cable
Umited Basic
08l24..Q9fl3 BasIc Cable
BcpandQd Basic
08124 -09123 Add'1 Outlet
Total Comcs.sl C8ble Television
8.90
38.10
0.00
$47.00
Comcasl High Speed Internet
OM4 -09123 Internet Service
PedonnarJGE'
OM4 -09123 Modem Rental
Total Corneast High Speed Intern.'
T... Surc~ -It FeN
08124 -09123 Sales Tax
08124 -o9fl3 Franchise Fee
08124 -09129 FCC Reg Fee
TOIaI Taxes, Surcharges. I: Fees
Total Due
42.95
3.00
$45.95
0.18
2.70
0.07
$2.15
$95.90
,,-~..
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Penn Waste J Inc.
p 0 aax. 3066
York, PA 17402
www .pc!ntlwaste. CQII\
Phone (117) 7'7-4456
Pax (117) 767-4285
Current
44.35
1...III...llIllnl.I.II'1I 1111....111...11. .1.11"..1111.1 nil
BEll. JOSEPH P 3
4 Briar Gate Rd
Mechanicsburg PA 17050-3178
Note:
Please Ylsrt our wabsfte at www.pennwaste.com
for service and coItect1Dn informatiOn.
Code
Desaiption
(0001 )
BElL. JOSEPH P
.. BRIARGATE ROAD MECHANICSBURG. PA
01 Curbside Tl8$h & Recycling
32.00GA
10/0112001.12131 f2007
01 Uuncipal Fee
32.00GA
1010112007-1213112007
PAYMENT COUPON
Make Chec:Jts PayablE!! '1'o~Penn Waste, Inc.
PAYMENT IS DOE BY 10/20/2007
APTER THIS DATE A LATE CHARGB WILL BE ASSESSED
Pleaga Do Rot Enclose
~ 1fri.t.ten ~'"~ C*tion
"it~ 'rour Bill
Please C~tact CUstOder Service At (717) 7G7-.4S6
Penn Waste inc.
PO Box 6.910
8a.ltimore, lID 21264-49
Ii\. ~
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Site Number.
~,
1
09I2DI2Q07
013031
??oo
30 - 60 Days
0.00
Over 1II1 Days I
0.00
60 - 90 Days
0.00
I_Tam:
TofBr Due~
$44.~
$44.~
Reference
Quanfi'Y
Amount
1.00
1.00
ON wrm PA'DtERT
013D31nODDa3b~37DonDDO~~35
Comoanv Code=
Invoice Number.
PSQ9 Number:
Date:
Custcmer Number:
Site Number:
Customer Name
RS
8M437
1
09f20/2007
013031
??oo
BElL, JOSEPH P
Remittance Amount $44.35
Check Number:
. .
DUI Payer Check #101002
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INVOICE
Date: 10-05-07
Prepared for:
Bell Estate
22 Royal Palm Drive
MechaniC9burg, PA 17050
property Appraised:
4 8riargate R08d
Med'\anlcsburg. PA 17050
Work Perfonned:
Full APDrGisaI Report ~ 1004 URAR
Please make checks payable to:
Premier Apprai9a1s
3015 Ha~rd Ave.
Callop Hill, PA 170'1
.
File No. 709011
Case No.
$ 300.00
$
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SCHEDULE I
DEBTS OF DECEDENT,
MORTGAGE LIABILITIES
and LIENS
.
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HSBC m-
HSBC Morlg,agc Services
P O. Box 9068
Brandon. FL ~3509
03121/08
Re: EST A IT OF JOSEPH? BElL
GATES., HALBRUNER & HATCH, P.C.
10J3 MUMMA RD, STE 100
LEMOYNE P A 11043
Dear Sir or Madam~
Thank you for your recent inquiry.
We arc in receipt of the Death Certificate and authorization to release financial information. Below please
find the infonnation requested:
1. Type of Joan:
2. Account Number:
3. Obligor
4 Date loan was made
5. Principal amount of Loan
6. Maturity Date
7- Balance at Date of Death
8. Security
ConventionaJ
I ] 945052
Estate of Joseph P Bell
10/2412005
$184.881.65
November 2035
S185,209.66
HSBC Mortgage Services
If you have any questions, please contact Customer Care at (800) 333-7023 Monday through Friday
between 8:00 a.m. and 8:00 pm. Eastern time.
Sincerely,
HSBC Mortgage Services
GJRl12785
4.68
OlE-~ ZOO/ZOO"d 19S-1
-rlO~~ VfV61: II BOOZ-I Z-d~}i
'1 Sovereign ~
.
March 21, 2008
RE:
Traci Sheridan-
Gates, Halbruner & Hatch, PC
1013 Mumma Road, Suite 100
Lemoyne P A 17043
Dear Traci Sheridan:
Thank you for choosing Sovereign Bank and allowing us to assist you with your financial
needs.
This letter is in response to your inquiry on a loan held by Joseph P. Beil. This loan was
a second mortgage, account #0067552749. There was one individual signer, Joseph P.
Beil. The original loan amount was $35,250.00 originated on November I, 2005 and
maturing November I, 2020. The balance on the account as of July 26, 2007 was
$34,868.13. The loan is secured by real property at the address of 4 Briargate Road,
Mechanicsburg, P A 17050.
If you have any questions or are interested in other products and services we offer, please
contact our Customer Service Center at 1-877-S0V-BANK (1-877-768-2265) from 7:00
a.m. to 11 :00 p.m., 7 days a week. Hearing impaired customers may call 1-800-428-9121
(TIYITDD). Our Team Members look forward to assisting you.
Sincer~y, ~
1/ (j
/;A{~ ~tx:f~
I{iin M Shote-
CONSUMER LOAN SERVICING
10-421-CX2
PO BOX 12646, READING, PA 19612
Phone: 1-800-935-0438 ext. 601572
Sovereign Bank. its logo and lantern are service marks of Sovereign Bank or its affiliates or subsidiaries in the United States and other counrries
';2;;~~ 7177~~e:.._.........
SAle MECH
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PAGE 81
. :stAT:Ett~::~:Elt~:: ':~': :: :
AUG.17-SEP.1412007
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JOSEPH P BElL
4 BRIAR GATE RD
HECHANICSBURG PA 17050-3178
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V~.'~:::L JO$EPH P BEll
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RELATIOHSHXP CHECKING
ACCOUNT NO.
14648148
HECH.lHICsalJRG
ACCOUNT SUMMARY
.:;'~'&.W::~::.~~:;'~: ~::'~\~T::.~~~~' ~> :.:<Y~~H~,'~~Atti~~.<) '):'.>~tu~~>~;::~:-~ ~:.:
MO . AItOUtIT ltO _ AttOUMT rtD. ,ll'tOUMT
11~J.O.74 0 O.AO 6 nZ.oa S 67a.66
...
CIloN:. D~SC
08-17-0 8ESINNtH$ 8ALAMCE
08-11-07 CHECK ~ER 0152
08-11-07 CHECK NUMBER 1150
08-17-07 CHECK ~ER 0148
08-20-0 PATRIot MEWS CHECK P~T IDD0000000001Sl
08-Z1-07 CHECK tu'lBER 014CJ
08-~-O CHECK NUI18(R 0lS4 .
08-27-0 CHECK NlI18ER Ol!i3 {tI~l~ Sp"..t~
06-28-D ER1E LIFE IHSUR PR~
09-0~-O VERIZONARC CHECK PYMT 6000D0000000155
D?-04-01VZ WIRELESS ~RC ARC ooooooD00000166
.'~06-8 CLOSEDUT
ENDING BAlANCE
$1,410.74
837.62
820.37
800.63
704.73
661.41
&42.2$
460 .12
0.00
n.DO
I ""R.. tAl"TI
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.(1- --;
.
.
m M&fBank
499 Mitchell Street, Millsboro, DE 19966
August 28, 2007
Law Offices of
Gates, Halbruner & Hatch, P. C.
1013 Mumma Road
Suite 100
Lemoyne, PA 17043
RE: Estate of Joseph Bell
Date of Death: July 26, 2007
Social Security Number: 202-46-5176
Dear Ms. Sheridan:
In response to your request, please be advised that at the time of death, the above-
named decedent had on deposit with this bank the following accounts.
1. Account Type........................... Line of Credit
Account Number....................... 4258074505111969
Oum.ership (Names oj)........... ... Joseph Bell
Opening Date..... .. . .. . .. . .. ... . ., . .. . .11 / 03/06
Balance on Date ofDeath.........$125.47
2. Account Type........................... Checking Account
Accouni Number........... ...... .. .... 14648148
Ownership (Names of).............. Joseph Bell
Opening Date....................... ... .08/28/81
Balance on Date ofDeath.........$5,264.57
Accrued Interest
$
0.00
Total.. ... ...... ...... ........ ... ... .... ....$5,264.57
.
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18/05/2087 12:06
71779B8757
.
...~ Quest
fa} Diagnosti~
--
-
-
170111150003242 46293584.55 R 843.5
JOSEPH P BEll
4 BRIAR GATE RD
MECHANICsaURG, PA 17050-3178
11II1ll'1l1U,. ul.I.1111I1I 1I..ulll,"II. J 1.11 IIlIln"llIlI
LAaoltATORY SERVICE
HEMOGLOBL..... Gl YCOSYlATED
THROMBO TlME, PAPJ1AL
TSH
CBC, PLT, DIFF
PROTHROM81N llMf
'. PAiD BY MfOICARE
DISALLOWANCE
CPT CODe I
DAlE RECEIVED
83036
85730
8.u.c3
8502$
85610
071'3107
07/14/01
AMOUNT
S69 .:1()
548.65
$1l1.40
$34.20
S29.90
$47.89 _
$167.0l -
.' .. ~~.~r~~~I/
~~J!~~.':t~ .. . .~: ..i"'.,lmi~;fl:I~f'f:i!~ '". " l~... " .. '~~eh~~'~J ...... ".,...;l
lCD-9 Codes: 250.00 780.19
Tax 10. 38-2084239
5eYi1;8l f'ariortMd by: oom DJdII')$11CS HOR:IttH.l HOR&HoW.. ~
SAlC MECH
PAGE 01
.
Page 1
Laboratc)ry Invoice
For services not Included In your phY5ician's bill.
'nvoice Number 4629358455
Lab Code KOP
Patient Name
Date of Service
Amount Due
Payment Due Date
. RespoOSible Party
Requested by:
Invoice Date
JOSEPK P eell
. -.-. --. . - June"1'9; 2007 .
$78.55
10/0912007
JOSEPH P BElL
H69661CHAi~N.MEENA G
Septeml:lef 18. 2007
The CPT cod- ptcMdlKl orv bMed 00 AIM guidttlinDs ond without regard
to .pvcilie payor r.qui~.
.. PIea8v fold ~ tear ~ coupol\ along perfordon and remit wlIh puymom In 1he on~cpo ~dtJd ~
..'-'" Que5t
fS} Dla.gn05tic..~
Payment Coupon
Please make check payitble to: Quest Diagnostics. Please include
invoice number on your check. Quest Diagnostics also accepts
MasterCard, Viga & American Express. Please complete credit card
Information on reverse or vtsit our website at
\IlIWW. qu~tdlagnoaties. comlbitJ.
y..7 t/
.~<
'\'y~
\
MAL PAnAENTS ONL V TO:
Cl Check h.re If address has changed. Indicate change on back.
Qusst 0ieIgn08til;5 I'O$8f1I88 Iho t1ght '0 B$$Ign this 1900Mb!. 10 *,y of its lIlfIIllatea.
Amount Due $78.55
Payment Due Date 10109/2001
Invoice Number 4629358455 I Lab Code KOP
Patient Name JOSEPH P BElL
Amount Enclosed
R11 N
:J04
QUEST DIAGNOSTICS TNCORPORATED
PO BOX 41652
PHILADELPHIA PA 19JO\-1652
1...111.1''''1111111 ....11...11.11...1.1.. .1.1.1.111.1.1111111
01KOP~8014b2935a4S5D0007~S51D~lall?0191D1358900DDOD3
PAllENT NAME
.
INSURANCE PAID THEIR PORqaoN THIS ACCOUNT. YOU ARE
RESPONSIBLE FOR THE BALA~ PLEASE MAIL PAVltSVT IN FllLL
TODAY.
JOSEPH P BElL
BILLING HOURS ARE lOAM TO 4PM
A $25.00 FEE WILL BE CHARGED FOR ALL RETURNED CHECKS.
-"---
iiiiii;iiii
Place of Service: HOLY SPIRIT HOSP CP
Referring Doctor: LEWIS LEITE
---
-
1&1
"'-
---
---
~
MAKE CHECKS PAYABLE TO:
WEST SHORE PATHOLOGY
PO BOX 750
SCRANTON PA 1B501..Q750
800/238-3614
Date Doctor
02J28l2OO7 HENRY J VENBRUX, MD
0212812007 HENRY J VENBRUX, MD
09l2Ol2OO7
0912012007
08flOl2007
08J20J2007
SEE REVERSE SIDE FOR IMPORTANT BILLING INFORMATION
Code Description
88312 SPi:--.CIAL STAINS GROUP r
88305 SURG PATH SINGlE COM?
1199 MEDiCARE CONTRACTUAL ADJUSTMEN
1100 MEDIC".ARE PAYMENT
BLUE SHIELD OF PA
"'**
Page 1 011
Amount
40.00
130.00
-107.06
-50.36
For questions call, 8001238-3614 and when prompted enter your Identif'lC8tion number .. foIloWIS 2129-zg.~
THESE SERVICES WERE PERFORMED BY THE PATtiOLOGIST AT HOlY SPIRIT HOSPITAL
PLEASE DETACH AND RETURN THE BOTTOM ['ORTION WITH PAYMENT
ft. ..' "JNl Nl)MBEFt
PAllEN't ~ r;
S: ",-(r..tr,l':i DAre
AMOUNT DUE
JOSEP~I P BEll
Mt:JUNT eNCLOSE
WEST SHORE PATHOLOGY
PO BOX 750
SCRANTON PA 18501
26"29424967
Place of Service: HOLY SPIRIT HOSP OP
PHL~9424961
2129
09/2612007 $12.58
(,-\_,01
\u' v
t;(}---. ,o~'\rr-
\ \l ~.[}-. P'
Temp.---Retum Service Requested
MED511.A28T3l0005l7.JOOCCH.019S80 019578
JOSEPH BElL
4 BRIAR GATE RD
MECHANICSBURG PA 17050
WfSTSHOREPATHOlOGY
PO BOX 750
SCRANTONPA1mm1~~
It H II i. .1..1,1.II.uullIlI...lull.I.I.llllul.l.llllllul.1
11111111111111111111.111.11111111111111
~_IIJN_'
on Reverse Side
~ I
--
('(lll:tumcr Sl.-rvil~ Ikl"nrtm~n':
1'0 HOX. 34.1"'77
C,)lumh~ OIl J;l.J.-:;C.
M - F ~:nn HI'n 10 $:(1) pn1 l)~T
(1'4.....) ~21..;\~~1
IIII~I.III
4 BRIAR vA TE RD
MECHANICSBURG. PA J7USO 3.17X
I,., 11'.ulll II" J.I.II... ..II. ...111,"11"1.11.. ..1,1', 1..1 r
00$938/0021
011 484686669
- - - ,. --- .........., ....,.
Inc..
'IREClV
$50.98
16746066
O~1~(l11:!2()
(X77)350-9745
Notice Dated: I1J3f1l)17
Allied In~ lac. is a oollcction aeency. W
AIry, information obtafned will be
attempt to collect a debt.
that purpose.
DIRECIV has placed your account with Allied Inte
referenced Amount Due. Tn avoid further c:oUectio
number listed above to trulke payment arrangements
Amount Due to the addres..~ provided on the remitta
to recover the above
rts, please contact us at the
mit the balance of the
upon below.
On behalf of DIRECfV, we report debts to one or
However, prior to reporting jf the above-referenced
report this debt.
credit-reporting agencies.
t due is paid we win not
Send your check or money ordeT, payable to our die
contact our oftice at the telephone number listed ab
telephone.
Allied Interstate, Inc.
'Hero
Dctllor Name:
Amount Due:
Client Ref. No:
JOSEPH BElL
S50SI
16746066
PAY THIS AMOUNT $50.98
the full Amount Due, or
initiate a payment via the
DIRECfV
PO Box 7R626
Phoenix. AZ SS062
DDODDDDDDDDDDDDDDlb74bDbb b 0028 00
98 OOODSD9a 1
02/28/2068 13:56 71779067.
~ M&T-Bam<-...._. --.
SAle MECH
e.----.
PAGE 02
. ---.....-.....-- '1i."-._.--".-:~.. .:-"\-~'
::::: :~!:+tE"~W:.~~~~:.~
L.,~.. . ..'
JUL.17-AU;r16,2DD7
:<'PAC~'E:".~:::: :.;:::::::
.. ::.,.:: ::..:.::':::.,.,;:. ..
2 Of ~
JOSEPH P BElL
07-27-01 CHECK ~ER Dl34
08-01-D THE PATRIOT-NEWS "ACTI717-2S5-8~37
08~ll-D ERIE FAnILY LIFE EFL
08-03-0 CHECK HUttBER D1~4
08-03-17 CHECK NUHDER D133
08-03-07 VERIZDN ARC CHECK PVKT 00DI80800000147
D8-03-0 VZ WIRELESS ARC A.RC 001080000000146
08-06-0 AJt:tl1Al HOUSE I CD DIC tfERCHAltICSIlUR
08-07-0 CHECK NUKbER .145
08-10-0 CMkwCAREKARK RX 800-ft41-~5SD
08-1.5-0 ~_dpay UNITED WTR
08-16-0 CftKMCAREnARk RX 800-841.5~SO
13.'6
300r~1
59.75
1,S05.~O
1,505.~D
68.70
52.71&
....0.28
9ft . ~7
90.00
61.30
7D.OD
atDIMC BALANCE
!it~O.61
',,89D .45
],,7&6.59
1.,726.31
l.,632.04
J.,Yt2.04
J. ,4aD .74
1.,411.74
h. .::::.
: .':. ~ ~:. ;: :':.~.>; ;<:: '.: r::: e"Eej$)~ri(~ltr...: 'H:
t:L ,410 .14
-. ... ... ... ... .... .- ... ........ ....1
. ~... . .. - -.. . -' . . -. ... . .. . . . .. .. .
:::.: ::::::H::::::::..:~: '.":: ::::;::" ::: ~:...::""::::
130 07-17-07
134 _ 07-27-07
136tt 07-25-07
143 07-25-07
258.50
13 . "
274.12
.315.88
131 07-17-07
135 07-25-07
139 07-~&-07
144 08-03-07
199 . Got
41.85
191.80
1.505.20
133111 D8-03-07
136 D7-2&-07
1't2.~ U7-2S-D7
141>> 08-07-07
1,505.2.
1>>1.00
201.4'
9~.2.7
l
MaT PERSONAL SAVINGS
r;~~:;~..J JOSEPH P JlEIL
.:: -TltLE:::--: '
ACC~T NO. lS004208SS8D13
INttREST EARN~D FOR STATEI1EHT PEAIOD
I1ECHANICSBURIi
0.21
1,,018.08
ACCOUNT SUKHARV
: :::: tri~~::>>r:t~ :-T~.> ~ .\'~; :)=::~t;~It. ~~ <'
NO. AIO.ItIT NO. AHOUNT
o 0.00 102r3'
:::.:,ctJ ~ ,~:::__::<<.:: ':?:~~:;;:.\.::.:' ..: ~.::.:::<,: ....:~.
::.n<<.:ItEST::P-A~r:~~:: -.::..:.::-::::~~>>~ ':.~1 :;:
lOO6A (6/tl7)
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JOS~PH P BElL
Billing Date: 07/19107 Page 1 of 6
Telephone Number: 717697-6300
Account Number: 717 697 ~300 395 31 Y
~
vetI7JIO
Accpunt Summary
Pre"jO~ ~g~ _'_"'" ....
No P9.~~~~~v,!~ .. _ ._ . '''_....' ___..
p~ Due Charges (please pay now)
<>.+.
<>
f\bw ~~~ ... " . .___.... . '__ _. _.'__00
Ve~;t~(~~..~ >. ____... . __._...'" .._ _. ___ .
6th r Provide~ (page 5) 17.
f1 '.. ..... ..... ._.... _ __._ . __._. _ _._.._' __. _
Tota,.~~~~g~~~.~g_14_. .__.____.__-- ~GO.
T ~t,1 Due: (Past Due + New) S 116
Get sup~t InIvnHtr And
UnHm/ted Calling For $6t.9t1Mo
Do everything quicker with Verizon
FJOS Internet and talk all you want
with unHmited calling. All 'or $69. 99
9 month (plus taxes & fellS) with 8
24-month agreement. Can
1-888-563-4055 to sign up.
Subj to 8\1t1IJabilify & fS$trlctlon.$.
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1-B1i1-flZ4f1lVES
Moving? 1,.fi6-VZ-MOVES
Across the street or across the
nation, one call can c/o it all.
e ~ff us for Intemet. phone and
enrertalnment in yOUr
new home.
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S~RVICE 10: JOSEPH P BElL
BtJiH,g Date:
Account Number:
07131107
0020099!J492654
ArF?drs Amount Due 08/1312007
. .~. -. . .::'..:.'. y"'..:.:.....::. :.:...::,.:.: ::...:';- .,<... :'; .:::,:,., ~.:"'.:~".,~:,:::~-:::"~:-::~:;":,:;~:,::~.:::;:.;:;;.,:,;".,:_" """ " ...;: .':"'.':.;:..: .:
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SERVICEapDRESS; 4 BRIARGATt RO MECHANICSBURG PA
SEE REVERSE SIDE FOR IMPORTANT AUt r. T H\lFORMATION
lO-DAY SHUTOFF NOTICE
Our records indicate that your bill. for the amount stated below, is past due ~H\d therefore we a,e
providing you with this ID--day shutoff notke.
To prevent shutoff, please do the followiRJ immediately:
1. ff you believe you received this notice In error. please contact our ClJstom~i' Service Department
at 717-564-3662 or 888-299-8972.
2. Pay the total overdue amount. We recommend that you call Customer Service to confirm that we
have received your piiJIIH!IIt and credited it to your account.
3. If you aR unable to pay the total amount dller please call Customer ServIce to make a payment
riff:::::e in your home is seriously ill, we will not shut off your water sI"f'Vice during this
illness if ~ following two conditions are met:
a. Your physician ceitifaes in writing that the illness exists and that the J>P.r~lln'!> health wilt
will be adver2Iy affected without water service.
b. You make anangements to pay your overdue and current bills.
Please note that if we terminate your water service, we will assess a $50.00 turn-on charge to
to restore service.
If you haVe questions or need more information, please call us. If you are not satisfied after you
talk to us, ~ may fife a complaint with the Public Utility Commission (PUe) by calling
800-692-7380 toIl~freeJ,. or by writinc to P.O. Box 3265. Harrisburg, fA 17105-3265. The PUC will
delay the shutoff if you nle the complaint before the shutoff date.
PREVIOUS BAlANCE- $57.43
tNTEREST - $0.87
( 1, l' Accou," Number: .
~~.
'!? Arre;- c~ Amount Due 0811312007
\i.. ~ ~~~~!:~.~.~j
f J'tr
(j~
_~~.~~~_ ._____.....~__._.~u._~_L_~.~~~~.~~.~~~~.~~~~~~_~_~~~~~ _~~~~~~_~~~~i_~~~~F f'
~~;(' United Water
..' ...s~
8189 Adams Drive
Hummelstown, PA 17036
SERVICE ADDRESS: 4 BRfARGATE RD
MECHANICS90RG PA
o
Please eheck this box if you have made any
ctlanges to the information on the reverse side.
1'11111...111.".1.1.11. ....11.. ..111...11..1.11....1. .1.1..11
u*u+AUTO*"'3-DIGIT 1702525 T8:13
JOSEPH P BElL
4 BRIAR GATE RD
MECHAN1CS8URG PA 17050..3178
002009~'49265400aooa0583000000000S
<;, tHt RrTURI\; ENVnOPE: PROVIDED, 130UPROe03t32GG1
. . - --- -------- --------.~.--.~.-------.------iiiiiiAPFIOG-~
00200999492654
Payment Amount Enclosed
$
-.------
ill .111.,.1111....11..11..1..1..11... .111.1.1.1..1.1.11111.1.1
UN !TED WATER PENNSYLVANIA
CUSTOMER SERVICE CENTER
8189 ADAMS DR
HUMMElSTOWN PA 17036-8625
.rayment lntertace
.
.
Pag,: 1 of 1
Your payment will post within two (2) business d
(888) 299-8972 if you require further assistance
payment.
. Please contact United Water at
have questions regarding your
Thank you for your payment!
Your payment made on 8/14/2007 for the amount of $58.30 plu~ ? convenience fee for the amount of ~~3.00
from banking account number ******8148 has been successful;:' ':.ubmitted.
The Western Union Speedpay TM confirmation number for this tran$~ction is: 40161
Please print this page for your records.
L.,:B~~fQ.~ ;.~pm~. .;J
L.~~ .-i.Make .a~~~ ~Y.m.!m~;:"f~~;I
o~~ United Water
. ~~.
https~llpavnow7 .soeednav .comlunitedwater/Ach~vmpT\t....r.n ".,; ;.." ::l':-n
o J1 If ''''1\1\'''
PPL Electric
Utilities
Electric.
Service
For:' .
10SfPB BE1L
4 BlWJl GATBRD
MF.aIANICSBURG PA 17050
.
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Page 1
....,. .. .:,:::;y~itiB.iR~~;#~
08450-81003
s 0.00
$ 199.00
$199.00
..."'" .
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Summary Page
Balanee as of Aog 3~ 2807
~~J... ELECTRlC UTJLIDES Charges
Total Cba~
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Coidad tIS ~ 24
at 1411-3 5
(l......DJAL..PPL)
or write to:
C....Senke
827lJausma1l Rd.
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18104-9392
W\VW.w1~com
Electric
Use 144
Tbi5 Ii shows 120
~.
YOUJ" edQe; use 96
over the last 13
months. 72
Types of
Miter- a-liags: 48
Actual .. 24
Estimated IiII 0
Customer CJ
Accomrt Ba1a:nce
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$ 199~OO
K.WH - Average Per Day
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2006 MOIlths 2007
Meter ~lIdi.~ IBfonutioa
Actual
~ctual
RWHBilled
23128
~~i
2081
75F
30
Av<~i
M :
24 ~
2233 ;
Other important information on back ...
Average ~ ..\Bg
T~~I3tu~
KWH Per D..y
YcarJy Use:
Sep2005 - Au~ 2006
Sep 2006 - .Aug 2007
2006
79F
65
ToCaI
u.
29846
26796
fW.ton~
LISTENING.
March 28, 2008
Gates, Halbruner & Hatch, P .C.
1013 Mumma Road
Suite 100
Lemoyne, Pennsylvania 17043
Dear Ms Sheridan:
RE: Joseph P. Beil, deceased July 26,2007
In 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:
Installment Loan # 2161112323, open 6/16/2006, date of death balance
$11,471.76,60 payments @ $274.12, secured by automobile, in his
name only. ( no breakdown of principal and interest provided)
If you should have any further questions, please do not hesitate to contact me at (717)
291-2437.
Very truly yours
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Credit Inquiry Processor
~ Oi\"r~~ r-r "-;!;'IAL
C ( I~ r i U t. \~ I . \
T~iis b-tfcrmat;on is flifi~~he.~~ .7~S a rr:~tt-er {if b~!sffiess courtesy
in answer to your fn(1}_:"~.rJi 8;L~j ~:;. ~\}( y(~~..~ C~}frf}\i-snt~3! use ordy.
No re5pcnsibHft~( ~s {~S~~~jrnf1~1 t~~l lhf~~ ~}Jjn~ Dr any of it"s ofHcers.
f\ny opinton h~rein EXP:-Gs~{;-d t~~ sub~~(:t t-c: ehange viitnout n(~t~ce.
/
c..E-\..E.BRAlING '25 "'EARS
POBox 4887
La ncaster, PA 17604
F'ul1nnBank
12~YlJ<,II~ANC'Sll~t LISTE NING
fultonbank.com
1-80Q-FULTON-4
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PRAMCO I I I, LLC
230 Crosskeys Office Park
Fairport, NY 14450
(585) 377-2810
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LOAN WORKSHEET
JOSEPH BElL
4 Briargate Road
Mechanicsburg, PA 17050
LOANLEDGER loan number
Payoff date
Prepayment penalty
Demand fee
54230078
02/06/08
01/25/08
12.5000%
0.0342%
$ 16.30
$ 47,592.31
$ 16,493.28
$ 2,379.62
$
$
$
$
$
$
$
$
Maturity date
Annual interest rate
Daily interest rate
Daily interest amount
Principal balance
Accrued interest
Accrued late charges
Returned check fee
Reserve
Impound
Recording fee
Forwarding fee
Reconveyamce fee
Foreclosure fee
Other fees
Legal fee
$
$
$ 2,657.31
- ------------ --- ---- ------. - ------ ------------------ ---------------------..
TOTAL DUE
$
69,122.51
PlEASE MAKE CHECKS PAYABLE TO
PRAMCO III, lLC
AND FORWARD TO: PRAMCO 1fI, SOS-12-2500
P.O. BOX 86
MINNEAPOUS, MN 55486-2500
.DOES NOT INCLUDE LEGAL
FEES OR COSTS NOT ADVANCED
TO DATE, OR ANY OTHER
THIS LOA"! ~-fAS AN ADJUSTMENTS.
ADJUSTABLE RATE
AND THUS 7~-f~ PAYOFF
AMOUN-r ;'.~ ~ .... .h.'.!:~ ~~'2,:=
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.
IN THE ORPHANS' COURT of CUMBERLAND COUNTY, P A
In the matter of :
JOSEPH PAK BElL
Estate No.
o
2l2001QW
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NOTICEofCLA~ofPRAMCOln,LLC
TO THE CLERK OF THE ORPHANS' COURT:
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PRAMeo III, LLC, a creditor of the above-named decedent, hereby presents the
following claim against the Estate of Joseph Pak BeiI, deceased, to the Executor thereof for
approval, as follows:
1. On or about March 31, 2004, Manufacturers and Traders Trust company ("M&T")
granted to the Defendant a line of credit in the maximum principal amount of $50,000.00 (the
Line"), and the Defendant, made, executed and delivered to M&T a Business Access Line of
Credit Note (the "Line Note"), in like amount, to evidence the indebtedness.
2. A true and correct copy of the Line Note is attached hereto, made a part hereof,
and marked Exhibit It A" .
3. AIlfirst was merged with, and into, M&T effective Aprill, 2003.
4. On October 27, 2005, M&T, as successor by merger to the Lender, sold and
assigned the Term Loan to the Plaintiff.
5. A true and correct copy of a Lost Note Affidavit, which contains the assignment
to the Claimant at Paragraph 5 thereof, is attached hereto as Exhibit "B".
6. The Note has not been further assigned, and the Plaintiff is the current holder
thereof.
7. As of February 6, 2008, the amount due under the terms of the Note (which
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matured on January 25. 2008) is as follows :
Principal Balance
Interest to February 6. 2008
Accrued Late Charges
TOTAL
$ 47,592.31
16,493.28
2.379.62
$ 69,122.51
8. No payments have been made, nor do offsets of any type exist, that have not been
B .
TER & STEIN, P.C.
credited.
Date : February 11, 2008
.
.
....
.~ M&rBank
ManU/2Clurers and fraders Trusl COO1oany. 52'9 Simpson Fe:ry Road. Me-c:-cnicsburg. PA 17055
717 6971515 f.x]\? 6913197
B~iJ, Joseph dba B~il Consultants ("Applic.1nt")
3901 Handak Drive Suite 110
LllOp Hill, pa t 70 I r
Mar::h 31, 2004
De:u- Applicant:
Congnrulationsl We are pleased to inform you that your loan appliC3Iion has been approved for a Business Access
Line of Credit. as foUows:
Amount:
lnreresl Rate:
R.cpaymeDt:
S50,000.00
Prime + 1.50%
on demand; absent demand, monthly pa)"'lDcms as per Slate~ots
In addition 10 the: basic terms outlined above. enclosed is me BusiDess ."'-ccess Line of Credit Agree-mt=Ot (CRB-047
(to/03)) rAgreerocm"), which further descnbes the stmdard tenDs and conditions for yow loan..
Read the agreement carefully. Please indicate your acceptanc~ of this offer and all the terms and conditions
contained in me. Agreement by (i) signing below on behalf of the Applicant, and (ii) returning me orig~ counter-
signed letter (0 me at the address above.
This offer shall remain open to the Applic3D1 for 14 days from dIe <Ian: of this lener, at which time: if you I1Ave not
3ccepted the offer (by signing and remming lhis lerter, as descnbed above), this oua shall be ckemed wlthdn'Nn
md ibis Je!teT shall serve as notice that ~ Applicant's original credit :r:ppucauon has been denied
If )'ou have any questions, please call me prior to your acceplAnCe or tho: terJILination of this. offer.
Vt;ry uuly yours,
~~5LiL
ReInionship ~hnagef
9'1 nsning below on bthalio(rhc Appllc.slion, Applic:UJt iCmowledgcs thal il hu rQd u:d undcmands and bcn:by 19= [I) be iound bV
the lLt1T:S U'ld c:ondlrioa5 ~o\sre-emenl, u.d Tor vallie ~~ivcd. aDd intending 10 Oe ~ bound. AppUCIll1t promises to 03Y [I) the order
or ~hnuli.clUmS 2NYTradc:J ]Just Company("'Ban~j all :tmowus du( and owing frccJ dxn: :0 rime tlUTSlIlUlt to l.'1e len"r.5 o~diucd abovc
1!\cI tJ COI'".wll~ !he "~l. .-.pplicnt unlkrslar.d.s tb~t acc:c:.pWlCt of the ~ ,3D.er is not complClt until d;is \en= (PJ1'pCf'y
=oun~-Si~'bel73i.s ofiva~e5C(1Ded above.
//ecil.J dbaBeilOJNU~ ~
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AUto Deduct ACCOUDt ~-UlI:ba:
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Oa:e:
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Business Access Line of Credit Agreement
Pursuant ~o lh~ Business Express Crooll Application (or Olher similar app:icatlon signed by lhe Borrower), Borrower and Manufacturers and Tradecs
Tr~SI CJmpany agree 10 !he lerms ana condlllons of !hIs Agreement.
1. Definitions. E3ch capitatlzed term shall have lhe meaning specified herein and lhe lo!lowing terms shall have the indicated meanings:
a. "ACCOunC means.the buSlness.putpOsa line ot credll established in Borrower's name, as described In lhe Approval Laner.
b. .. Accounl eaJanC9- means the tolal of Loans, Annual Fees. late charges. over-lhlHlmll charges, Slop payment charges. Interesl. finance
dlarges and any olher amounlS posl!~d to and owing under :be Accovnl or !hIs Agreement.
c. - Agreemern"' means. co"ettivety. this 9uslness AcceSS Une of Credt .A.greement. as it may be amended or replaceo from lime :0 time. together
wi1h Ihe temlS ar.o condtions iIllhe AppRcaoon and Approval Letter.
d. -.lcclicable Rate~ means the rate equal 10 Ihe BanI<'s prime rate .)t interest rprtme.). plus the applicable number of percentage polnrs set
!cM in the Approval Letter. AtrI change in the Bank's prime rale Shall be e"ec1lve on the nISI day of your SiRing PeriOd ocaming In !he
calendar ~aI1er after such d1an~e occurs.
e. - A~li<:aIicn" means the Business Express Creoit Application (or ot"ler similar appflCation) you submitted 10 us in connecnon with your request
tor a bl.:siness"9urpose line of creal The text ot the Applic3tion is incorporated herein by reference. AI capitalized terms not otnel\.nse defined
herein have :ne meanings specified in Ihe Application.
t. -p..pprovat ~ner" means the lelter we send 10 you notifying you \ha your Applicaiion has been approved. in whole or in pan, ana serong fonh
ll1e basic terms of :he Account and any other approved financial acccmmodations. The lerms of the Approval Letter are inccrporated herein
by reference. .
g. "eilling Period' means any period ot approxim21e4y one moni:h. at :he end of which we compute Ihe amount to be billed under your Account.
h. "C'led<ing Att.::>un( means the commercia! Ched<ing or NOW account YOJ:J maintain Wllh ~4Nhich you requested. in your AppIic3ticn. !::e linked
to the Ac::cum for overdraft prolec-.ion. ~. .
l "Crecitline" means :he maximum principal amount available under your Account. which 'Nil inlllally be the amount set !orth in :he ApprOVal
Lgr.er with respect 10 the Account. but which may lherealter be aqusled by :he Bank in its sole dlscreUon. without prior notice to Borrower.
j. '"Line 01 Credit Check" means any direct loan check Ihat Is issued by the Bank for use with your Account.
I<. "loan. means any amount ot crOOil obtained under your Account "JY any authorized means. including, without timilalion, by a Une of Cracil
Ched< or by any olher means desc.,bed below in the section entltlad 't.oans"'. and posted to and awing under your Account
I. "Minimum Repayment Fraction. means 1136 01 the outstanding principal amount 01 all Loans at the end of Ihe lasl day any Loan was posted
to your Account beiore lhe end ot a Billing Period.
m_ "Periodic Rale. means the Appllc3ble RaJa in elfect on the day oi calcutation. divided by 365.
n. ....Ne.. "Us.. .ou(. .ours. aM ~ means ManufactUrers and Tradars Trust Company. a New yoti( banking corporation 'MUt its principal bank-
ir:g oif.ce at On~ M -& T Pfaza. Buffalo. NY t4240. Attention: Ctfice of Genera! Counsel.
o. ~ou'. "your ana "Borrower" means the party ioentified as lI1e Applic.a.nt in the Application.
2. C~it Une. Subjec :0 the terms and conditfons of this Agreament. tt;e Bank may make l.Dans 10 you al any time and trom lime to lime on anC
after the date you accept !his Agreement in the a~gregate principal amounl up to but not exceeding the Crealt Une. The Bat".k Snall notify :he
Harrower as to the amount of ~e Creal line from lime to time.
3. Promise to Pay. 9orrower prorrjses 10 repay to the Bank the A~nt BaJance UPON DEMAND. You can pay your Ac::ount Balance in iul1 at 3IlY
lime 'Nithout penafty. All payments muSi be in United Slales fiJods. ~.bsenl demand. Borrower may borrow. repay ana re-borrow up 10 !he maximum
amoUll af:he C:-eoil Une. all In acccrct!nCe '.'11th \he terms and conditions of lhis A~reement
4.. Loans.. eorrower may request. a Ulan by using a Une of Cleail Check. using an M& T Bank ATM card or Business Check card linked :0 your
Ac;oun.. together with youl P!N. at any Bank electronic facilities. using M& T Web C3ar.kfng for Business or by usir.g any olher elec:rcnic means_ An
Loans are disc!elior.ary. lithe Checking Account is tied to your Account lor overdraft protection. you auttlorize us to make a Loan ana deposit it inic
!he ChedOng Ac:aunL wilhoul notice to you or YOUI' consent. if (I) an Item is presented against !he Cheddng Account Pndudfng. without IImilatfon.
Checks. lees or seMce5 charges) or you withdraw funds or make a lransfer :rom soc." Cheddng Accounl and {ill !he availabte tunas in such
Checking Ac::oun are not sufficient to pay such ilem or make the withdrawal or transfer. The amount of such overdraft Loan shaJI not be less than
!he tiiflerence be~n ~} the amount at avaUable tunas in the Ched<ing Account and (ii) !he amount neceS6afy 10 pay the item presented againSt
the CheclOn<j ACCOUll or to elfectuate Ihe withdrawal or transfer. You waive prol~, presentment and nOlfce of any Idnd in COM~lon wilh !his
ft.greemem. A Loan is considered made on the dale 'He post it to the Accovnl. You agree not to request a loan: (i) which would cause YOur Account'
Balance to exceetl :he C~e<Jir Una; or {ill as a payment on what you owe 10 the Bank on \he Account or on aTrf other indebtedness from you to the
Bank or any 01 our 3ffi11ates exlstlng now or coming Into existence in the fulUr9. If the Bank should make any Loan in excess of the Credilline. SUCl
excess loan shall not be oeemed to constllute an Increase in the Credit line and such excess loan shaH be due and payable UPCN DEMAND.
6. ~ments. 8orrower may repay the AccounlBalance without prerniUf'r. Or penalty in whole or in part Irom lime to lime. Absent demand lor ;epl3Y-
ment in lull. you shall pay, by the due dale Shown on any statement ior your Account. at leaslthe minimum payment shown en the statement
("Minimum ?ayment1. The MInimum Payment will be the IOlal of:
a. The graaler cl (i) (he Minimum Repayment Frac!icn. or ~i) the lesser of (a) S t 0 or (b) the OUlstanding princ:pal amount 01 all Loans at the 9nd
of :he Billing ?~riod:
to 2003 lA.1s>ulac.vrelS ana T raoers fluS! C;:,mpany
C~B'{u; (:c.o:ll
.
.
b. All cha/~as ler annual tees. lale C"'l~l Jver-1he-limit charges. stop payment ch~ges. ~ar~ .or unpald checks. dishonored chee\(
charges, E,,<penses. and Intarest finance d'larges poslCd to your Account During lhe Billing Penod; and
c. ThB Minimum Payment shown on the preceding statemenllor ,our Acccunllo Ihe eXlenllhal it remalns un~aid at the end ollhe Saling ?eriod_
Indusion in tne Minimum Paymenl 01 :his item (c) \IIdl not give 'IOU aNI aOd/lional bme :0 make suc."l paymern, and it wUl remain immeOlalsly
duB. Paying fl'.ore lhalllhe Minimum Payment will nel .-elieve you 01 the Obligation 10 pay aJ'Iy Minimum paymem shown on any tuQJre S1ale-
mentS lor yeur Account.
Borrower hereby authorizes and dirac:.s \he Bank 10 aUlcmatic3l1y charge and aeduct. Irom Ihe Checking Account or any olher such accounl of
Borrower malntaineo at any office of the Bank ("'Aulo.Oedue: Accounr'), the Minimum Payment and other charges Que from lime 10 lime under :he
terms 01 this A<;reemenl. SOrrowsl acknowledges ana unoerstands that the act 0' charging, paying and/or deducting lhe Minimum Payment each
monlh does nOI1o 2l\'f way compromise me demand nature of the Accounl Balance, nor any other rights of the Bank.under this Agreement
6. DefaUlt Rate. If you fail to pay any emounr under this Agreement when due, we may in OUt sole dlSCferion. increase tI1e Applicable Rate 10 an
annual rale ~ual to 5 percentage pams ~er yeal abOve the Applicable Rale, nolwilllslandlng any olhetWise applicable Rare RedlDcn (oefined
below) (Ihe "'efa~it Rale1, and any judgment entered her~on or otherwise in connectJon wlltl any stillO coIeet amountS due hereunder sIlaII bear
inrerest at sucn Default Rats. The ma;dmum imeresl rate charged under your Account shall in no event exceed !he maximum rate pennilted by app/i-
cable law (the "Maximum Legal Ratej, Solely 10 the IDdent necessary 10 ptsvenr inlerest under ltlis Agreemenl from &xceedlng the Maximum Legal
Rale, any amounllhal would be trealed as excessive under a final judldaJ inlerpretallon of applicable law shall be deemed to have been a mistake
ana auloma1icalfy cancated. and, If receiVed by us. shaJl tJe refunded 10 you.
i. Finance Charges.
a. Accrual of Rnance Chalges. Finance dlarges wltl begin 10 accrue OIl any amount incfu6ed in your Account Balance on the day il is posted
to your Ac:t:ount.
b. ComputatiOn of Finance Charges. The Rnanea charge willl>e calculated as {oflows:
i. Each day in ;he Billing PenCd. we will start .NittI your Account Balanca al lhe beginning 0; thaI day. We wiD add 10 il an loans pos~eO 10
your Ac=our.t !hat day and subtraCt from it an payments and credits posted to your Account thai day and all d'1arges for .~e1 rees, Ia,e
d'larges. over.the..Jimll charges. ~es .for unpl!id Une of Creoil ChackS. dishonored d1ed< char<<;e! and finance dl~es Induceo in your
Account 8&1ance after the application oi Ihe payments ana credits 10 your Account Balance. The result 'Hill he the 10lal 01 Loans Inc!Uded
in yoor Account 3aJance lor that day.
it Each day in !he e.'Iing Peri~. we wiR mulliply lhe 10lal of loans Indu:1ed in your Account Balance lor thaI day by the Periodic RaJe in eifeet
on that day for Loans. The resull will be Ihe rinance charge lor Loans lor ,\tIal day. . ,
iii, We wiB add up the finance charges for Loans for all Ihe days in lhe Billing Period. " your ac:ouOl also acts as an overarah line of ~t for
a Cheddng Accounl included among \he finance charges win be a Loan seNice charge for advances made to prevent overdtaWing your
d1eddng ec:::ounJ'Nhich wm be 51.00 ~or each such overcraft loan posted 10 your Ac::oum. We may cnange !he overdralt c.~e Ircm time
~o time in our sole disc:elion.
c. Inrerest Rate Re<:iudon. After !he six month anniversary of the creation 01 the Account, the Applicable Rase shaI be redJced by 0.5 peICeOtage
points ("Rate Aeducllon"), unlil the oc::urrence of one or more of Ihe following events (eac.'1; a "'Termination Event"): (i) the average avUable daily
balance in :he Auto-Deduct Ac:::ount during the RrsI six CTl()I'l(hs of the Account. or Guring any stx monlh period :hereailer, falls below $;0,000;
(Ii) automaJic deouc:ion of Minimum Payments /rom the AUlo-Oeduc1 Account is lerminaled. SU:Spended or modified for any reason wr.alSOever.
including, ',Yithcut limitatioo, !he casing oIlhe AlJtO-{)edua Account or Ihe revocation of your au1horization lor ;he automalic deduc:icn; (ii) you
fail 10 ~ when ChJe (Whe!h&r upon demand. by ac::eIefalion or olher>.o,1se) any amount due under lhIs Agreement. or you otherwise default on
yotA' obIgalions under ltIis Agreement or any other agreement with us or any of our aIfiIiales: or (tv) you 0Jrnmence. cr have commenceci against
you. any ;>toeeeoing or request lor reliel lKlder 0I'rf bankruptcy, insolvency or similar Jaws now or hereafter in effect in !he Urited States at
America. or any state or lenllory !hereof. or any foreign jurisdiclion. or BIT'{ lOOTIal or informal proceeding lor the dfssoIution or Ilquldalion d, set.
IIernen1 of c!aims against or wnang up -of yoor affairs. Upon \he occurrence of any Termination E'Jen~ the Rate Reduction shaI atJOmallcaJly
lenomte wilhcut further notlce to you, and ~terest shalllhereafter accrue at the Applicable Rae. As described above. -any OefaUl Rate slWI be
calculated be.sed on Ihe Applicable Rate. without tt'le benefit of Ihe Rale AedlJClion. Ors failure ;0 immediale!)' terminate !he Rate Aecu:Xln upon
:he ~rrerce of any Termination e;....ent snail not be de-emed a waiver of our righllo do so. nor of your obtgalion to p;q intereSt at \he AppIicaDIe
Rate Cor-Default Rate, it applicable) from the date of It'.e TelJTlinalion Even!, even if paymems ~ted using lhe Rale RedUction ate accepteo
by us after :he Teamioation Event..
8. Fees. Charges and Expenses. You agree 10 pay ON DE.~AND (i) all applcable lees and charges as sel forth befOW and as may be amended
from lime to time at ovr sole discretion. and (ii) the E..xpenses as defined below:
a. Annual F~ You will pay a non-r:lundable Annual Fee of S2S0.00. This is a fee lor the convenience oi having your Accoum anci ~ t\(){
entitle yoo !O "any assurance of having a spedfiea amount of credit available under your Acccunt for a spediiEd oeriod of time, ilis fee wiD
be billed :0 your AcCount upon the creation of the ~unt, and each year thereafter. as ~ong as 'fOOl Accounf remains open, '.Wtelher or ~ot
credit is octeinea unaer your ACCXlUOL
b. Late Charges. If the minimum payment shown on any statement for your Account is overdue for to or more days. you mJSt pay a lale charge
which shall oe either ot the loIlowing as we may s/!Iect in our discrerioo 0) 520 Of (II) ;.;:!~ oj sUCh minimum payrnem shown on a stalemenl
for your Account.
c. Over-lhe-limit Char!;es. If your Accounl 3alance exceecs your Credit Line al any time during atly 8h1ing Period. you must pay an over-lhe-limil
cnar~e ot $20 for the SDllng PeriOl1. .
d. Stop ?aym!!fli C~arges. You wih pay at 5,OP payment charse at $20 fer each stop paymeni ortier we piocess 2l youl request, as describeti
belo'N in a laler ;eC1ioo or Ihis Agree~ent _
e. tha~es ro~ Unpaid Una of Credit Checks. For eaCh Una 01 Credit Check thaI we do not pay because you are in violation of, or our paying
:hal Une 01 Creall Check woul" cause you 10 Ce in violalion 01. any provision 01 this AgreemenJ. you mUSI psy a. Charge of 520 for lhal Une
ot Cie<iit Check..
~'200:) J.la.'1Ulac:ur'!!lS allO Tr,)(JlItS Tn:sl Ccmpany
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.
.
I. Dishonored Check Charges. If you use a ChedC to pay any amount owing unCler your Accounl and the check is nol paid, you must pay a
d1Sl'lonored Cleek charge not in excess of the amount pefTTlil1ed by applicable law.
g. E'(pe~s. You shall pay on demand. all costs and expenses incurred by llS /rom lima 10 ~me wllh regard 10 Ihis Agreemenl (inducing wilheM
limitation a~ome'/s' fees and d1soutSemenls whelher 10, Internal or oulslcle counsel), negoliadng or documenting a worKout or restructuring, or
preseMnc; its rights or realizing upon any guaranty or ulher security lor the paymenl due under !his Agreement ("Expenses1.
9. Application and Crediting 01 Payments.
a. Application at Payments. Paymenls may be applie<J In any order In our sole dIscretion but. prior 10 demand. we will apply any paymenl post.
ed :0 your AccounC duI:lng any SiDIng PeriOd 10 your Account 8al~ at Ihe beginning 01. lhe Billing Period in the loIIowIng order. (1) lInallCe
charges lor Loans, (2) charges lor unpaid Une of CredlC Checks and dJshooored check charges. (3) annual fees, (4) lala chatges. oveNhe
lImit charges, ana stop payment chalges. (5) Loans.lnduded in Ihe MInImum Payment shown on the sIatement ror your Account tOllhe pre-
ceoing SUing Penoo, (6) 10laJ Loans shown on the stalement for your Account for the preceding ailing Period. and (7) new loans.
b.. Croo11fng. Except to the ex1ent required by applk:aole law, any payment we receive tor application 10 your Actounr Balance need not be po5(-
ed 10 your Account or considered 10 have been made until the fifth day aner the da te we receive it unless it is (1) made in United StaleS funds,
In cash or by aceount-specillc check or money order payable 10 the oroer 0' :he Bank and delivered In person, (2) accompaniea by a pay-
ment stub for your Accounl and (3) received by US althe payment address set forth on your statement or at any branch office of the 8atlk.
'0. Proceeds ot LOan. Thll proceeds ollhe Loans shall be used solefy for buslness or commertial purposes at Bonower and specifically nol ~or invest.
ing in 0( ManCn9 !he purchase of "maJ1;in stcc~ as such leon or terms 01 similar purport and effect shall be defined in Regufalfon U promulgated by
the 20ar0 of Governors of the Federal Reserve Sys:em. as may now anc from lime fO lime hereafter be in effect. Borrower specifically represents
and warrarns :0 the Bank that it is not engaged prindpaIIy, or as one of ilS important actMtles. the business of extenaing credit lor the purpose 01
~ng or canying margin slcx::X and thai no part oIlJ'le proceeds of any Loan wiU be used for any purpose whiCh violales or which is inconsIsienr
with the provisions of Regulation X promulgated by said Board of Govelt1():'s,. It requested by the Bank. Borrower will fumish to the Bark a stalemeni
in conformity with lhe requirements 01 Feoeral Reserve Form U- f referred 10 in said Regulation U anti 10 the foregoing eifect
11. ReprennuUons, WarrantIes and Covenants. You ~by represent, walTant and covenant. so long as your Account remains in eftec: and there
remains outs".anding ana unpaid 3nf Accounl BaJance. as follows: The loan pr~s shaJI be used only for a business or commercial purpose
and I\Ot lor any perscnaJ. family or household purpose. Borrower is an amity or a sote proprietor (i) duly organized and existing and in Sood SW'Io-
ing under ;he laws of the jurisdiction in which it was fonneo, Qi} duly qualified and authorized to do business in every jurisdicUon in which failure
10 be so qualified might have a material adverse effect on its business Cf' assets and (iiit haS.lrIe power and authority to own each of il3 assets
and 10 use .hem as contemplaled now or in the future. The acts of applying (or and accepting Ihe Account (i) are ;n furtherance of eonower's
purposes and within its power ana aUlhority; (II) dO not violate fA) any law or judgment or order ot CQlJrt or olher govemmenlal aUlhOrity or of any
artilTalor or (6) Borrower's 90veming documents; (iii) dO nOI conslltute a default unoer any agreemenf binding on Borrower, Of resutt in a lien on
any assets 0# 90rr0wer: and [IV) have been duly authorized by aU necessary corporate, pannership or limiled liability company or pannership
actions. Borrower conducts lis business and operations and Ihe ownership of its assels in compliance with each applicable slatute, regulation and
other law. induoing, without Iimilatlon, environmentaj laws. All approvals. including withoullimilalion, pennits. Bcenses. regislrations and notices
(the a;\pprovals") necessary to the condud of Borrower's business and lor Borrower's acceptance of the Account have been duty obtained and
are in full fOiCe and effect without default by Borrower. Borrower shall proYide to lhe Bank upon ,eQuest. in lonn and number of copies salislac;'.ory
to me Bank. within 90 oays atter the end of each fiscal year 01 Botrower, c:lpies of Borrower's year-end tax relums and statemenlS of inoome, cash
/lows and the linanda! position and balance sheet of Botrower as ot'the flSC3l year end. each prepared and reviewed in acc:oroance willl generally
accepted accounting principles by an independent cenified public accounant acceptable 10 the Bank. ancr each in reasonable detail and certffied
by an officer or member 01 BOfTower to present falrty the results of Borrower's operalions and cash ftows and its financial posiUOn. and to be correct,
compfete and In ac::ordance with Borrower's records. Promplly upon !he request oIlhe Bank from lime to lime. Borrower shall supply all additional
infOlmation r~es:ed ar.d shall pennit lhe Bank and its agents to (A) visit and inspect <!ach of 9orrower's premises. (8) examine. audit. copy and
extrac from Borrower's records and (C) discuss Borrower's or its affiliates' business. operations. assets or c:ondi~on (financial or other) with its
lespoosible officers and independent accountants. BotroWef will maintair! a system of ac:couming and reserves in ac.coroance wiltt generaUy accept-
ed ac::ounting prir:ciples. I\as tited and Wllllile eadl tax rerum required oi it and, excepl as disdosed in an attached schedute. has paid and will pay
when due ~ lax. assessment. ree ancJ pen~ty imposed hy 81Iy ~ax.inCJ authority upon Borrower Or any of its assets or income, as welt as all
amountS owed to me<::lanics. materialmen, tandlords, suppliers and the like in U'\e ordinary course of business. There is no pending or lhreateneo
c'.aIrn. investiqaticn or OIhet legal proceeding or judgment or order 01 any c:lurt or other governmental authority or amitr.nor (each an -Action1 wrjc.'1
involves Sonower or its assets and might have a materiaJ adVerse effect upon Borrower or threaten the validity of Borrower's ac:x:eptance of :he
Ac::;ourn and any Loans pursuanllhereto, and the terms thereof. Borrower will immedlalely notify the Bank in writing upon a~uiring knowiedge of
any Sldl Action. Barrower .,vill imme<lialety notify the BanI( in writlng (I) 01 any change -in its name. organizational stnJCture or address. (i) of the
~rrence at atrt Event of Default. (iii) of any material c::hange in Borrower's ownership or management and flV) of any material adverse change in
Borrower's abUiIy to repay !he loans. UntJIlhe ObiIgations are paid in lull. Borrower shall not wnhout the prior written consent of :he Bank (i) salt or
otherv.ise cispose Of Submntially all of its assets. (iI) acquire substantially all of Ihe assets 01 another entity. (Ii) participate In MY merger, c0nsoli-
dation or Ofher absorptlon or (Iv) agree to do any of these things. .
12. Bank Records Conduslve. We wiB maintain on computer. the date and original principaJ amounl of each Loan and your Account Balance. The
Account Balance so maintained shall be presumptive evidence of the Account Balance unoer this Agreement. No lailure by the Bank 10 make. and
no error by the Bank in making, any annotation on arry such computer shall affect your obligation :0 pay the Account Balance or any other ohIIgalion
hereunaer.
13. Setotf. In aooilioo 10 the right 10 charge the AulO-OedUC! Account/or !he amount of lhe Minimum Payment as set :orth above, !he Bank shall
have tl'le ~ght IO.seC 011 againstlhe amoun.ts owin~ under your ~cc:ount an! propeny hela In a deposil or other account with us or any of our affiliales
or omelwlse OWl/1g by US or any 01 our afflllales In any capaaly 10 you. :xJch sel"1Jif shall be deeme<1IO have been exerciSed immediately -al the
tima !he aank or such affillale elec:s to do so.
~4. c~ncellanon. -MOdinCi1.llon. Sus~nsion or Other UmilaUon. You may cancel your .A.ccount al any lime t:Jy nolilyiog us I~ writing. The C3lIcella-
Iton ~ll\ not take 9tf~ unol w~ recClve the notice and have a. re.~nable time .10 ac. on it. The Ac:::ount Is available subject 10 our corninuing review
ano..nghl. 01 cancel/ali~. ;nodir.C3U~, suspension or olh~r Ilml~lJon al any ilme and lor any reason wi[tlOut arry nolice 10 you. The cancellation.
mcollicabon, suspeOSlon or I)lher Umllanon wIll take effec; Immedialely unless we ()ecide olflerNise in Our sole aiscreoon. It yotJ canCel your Accounl
tl?C03 -'..Q.1VIac:uren ;lr.(I ,raaers Tl\.lS1 Comcany
Cl;~7 11~031
.
.
or leam lhat we have canceled II. you must stop uslng it. prohlblllurttler Lse of It and ralum to US all unused Una of Credit Cheoo: lI.you ream lhel
we have suspeneeo your Aocount. you must slOp using il and prohiblllurther \.lSe of il. If you.leam lhat wo ~ve p1a~C1,an~ other hJl\ltad~ on your
A you must use it omy In accordance with that llmilation and prohlbll its :JSe excaplln accordance Wllh thai .llT)IlallOn. Cancellation 01 your
A~~~' by you or canceUallon, modificalion. suspension or other IImilaUoo of your Account by us will not a~ect any 0( yo~r obligallons under ~s
Agreement. All agreements. covenaOls. representations and warrantles maoe in !he Agreement shaH SUf'Vlve the executIon ~d delivery 01 tl1JS
Agreement. and the making and renewal of Ihe Loans. and shall conllrue in tvll lorce ana effect unlll Account has been lermlnated and all the
ACCOlOllt 6a1ances are been palo In full. .
15. Une at CredH Che-<:I<s Our Property. :ach Una of Cre<S1I Check is and wHI remain our property and. upon our reQuest, musl be returned 10 us.
16_ Statements~ u>>t Una 01 Credll Checks. Any slatement lor your AC::OUOI will be sent to your current mailing address Shown In ou( records
concerning your Account. Any notice you send us concerning any loss. theft or possible unauthorized use Of any Une at Gtedll Chad< must be sam
10 M& T aanl<. P,O. aox 1303 Buffalo, New Yone. 14240-4091.
17. Hollces. ATr'/ demand or notice hereunder or under My applicable law pertaining hereto shall be in writing and ouly given If delvered 10 Borrower
(at ils aOdress on the Bank's records) or 10 Ihe Bank (al its address on Ihe Approval 18tter and separalely to the Bank officer responsible for
Borrower's relationship with !he Bank). Such nonce or demand shall be deemed suflidenlly given lor all purposes when deflYered (i) by personal
delivery and shall be deemed effective when delivered. or (I) by mail or courier and shall be deemed elfedive Ihree (3) business oays alter deposit
in an officiaJ depository maintained by Ihe Unileo Slales Post Olfice for l1e collection of mail or one (1) business oay alter delivery to a nationally
recognized ovem~h1 couner service (e.g., ~eraJ Express). Notice bye-maills nol valid notice under \his or any other agreemem belWeen
Borrower and the Bank. No notice proviaed 10 Borrower shall entitle Sorrower to any other or further nollce in other or slmilar circ'.JffiS"'.ances unless
expressly provided lor herein.
18. Stopping Payment ot Une ot CreOIt Check. You can order us not \0 pay any Une of Credit Check even if the Line 01 Credit Check was signlr-
by someone elSe. We will not have to follow the oreer unless i1lndudes (i) your Ac::ount number, (iI) the exac: arr.ounl, date and number Crt any} of
!he Une of Crecit Check (iii) the name, exa~ly as it appealS on the Une 01 Credit Chedc. of everyone 10 ....hose oreIer !he una 0' Credit Chedc is
payable and (Iv) the name. exactly as it appears 00 the Une of Creoil Ct'.eck. of the person who signed the Une of Credit ChecK. We 'NIl nol have
10 follow !he olOer nl we have a reasonable time to record it against yos ACC:Oura You WIll be charged a lee, as described above. for eacn order
that we process. We can, bur we wi" not have to. \reat more lhan three orders not to pay a Une 01 Credil Check as effective at any time. You can
caflCel any ort1er not to pay a Une of Credit Check even if the order 'Has given by someone else. We will not have to fOllOw the cancellation unless
it is in writing and until we have had a reasonable lime 10 record it against your A~nt. We ~1I in good faith try (i) nOI 10 pay any Une of Credit
Check It1at we have ~en property ordered nollo pay and (ii) to pay any Une at Credit Check for,which an artier not to pay has been property can-
celed. We may be responsible only if we fail 10 exercise ordinary care 10 (i) avoid' paying any Une of Credit Check :hat we have been property ordered
not to pay or (ii) folrow the proper cancellallon of an( order nOllo pay a line of Credit Check.. We 'Nill have exercised that ordJnaly care if (i) we aC1
in gOOd faith. (ii) \Ve have a reasonable system lor communlcaling orders of thai type and canceftallon of O1ders at thai type to our employees ana
agents who would be likely 10 receive Ihe Une of CrOOI Check and (ili) we reasooably follow tile syslem as a matter of routine.
19. Changes. Except as set forth below. no change in this Agreement or waiver of any right or remedy hereunder C3n be made excepl irI a wrtllng
signed by us. No course of dealing or other condUct. no oral agreemenl Of representalion made by us. Bank. and no usage of lrade, shall operale
as a waiver of any righr or remedy of Ihe Bank. No waiver of ar1f right or remedy of the Bank shall be declive unless made specificaJly in writir1g
bV Ihe Bank. c'Ccept to !he extent prohibited by applicable law. from lime to lime In our sole dscrelion we can change f1} any term of ;his Agreemenl.
(ii) any aspect of your Account and (ii) any fee or other charge appllcaDle to your Account inctuding. withoul limitation, the Amual Fee. the Lale
ChaIges. She OJer-the limit Charges. Ltle Slop Payment Charges and Ih8 Dishonored Check Charges. In connedon wilh any Changes due 10
operaJiOO2l and technotoglC31 changes or changes in law, sudl change shall be elfedive immediately. Any other changes shall be effective ten (to)
days after notice is given_ YOUt use ot the Credit Une after being provided with notice of any change shaJI be deemed acceptance of the terms and
conOitions ot such c-"1ange.
20. Ml$ceIlaneous. This Agreemenl (together with any related OOCJmerns) ccmains \he entire agreement between you and the Sank with respea
to ltIe Agreement. and supersedes every course of dealing. other conduct, oral agreement and representation previously made b'f us. Afl rights ana
remedies of lhe Bank under applicable law ana this Agreemenl or amenanent of atr( provislort ollhis Agreemem are cumulative ano not exdusNe.
No single. partial or oefayed exerdse ~ the Bank of any right Q{ remedy shall predLlde the subsequent exercise by the Bank at any time of w!
right or remedy of the Bank "Nilho~ nclice. You agree that in any legal proceedng. a copy 0' this Agreement kepI in the Bank's OOU1Se at business
may be adminea into evidence as an original. This A~reement Is a bindi~ obIfgation enforceable against Borrower and its successors and assi~
and shall inure 10 the benefit 0' the Bank and ils succes.sors ana assigns. except IhaI80rrower may nor Iransfer or assign any of its rightS or interesl
hereuneer with the prior 'Nritteo consent of the Bank. If a court deems ~ prmision of !his Agreement invalid. the remainder of the Agreement shall
remain in effect Section heaoings are lor convenience only. Singular nunber induces plural and neuter gender indudeS masc:Aine and feminine
as appropriate. .
21. Joint and Several.. If there is more than one Sorrower. eac.~ of them si\al1 be foimly and severally Rabie lor all ,amounts which become due umer
this Agreement and the lenn "Borrowa('. '/00. ana "Your- shall indude each as well as aU at them.
22 GovernIng Law; Jurisdlct1on. This Agreement has been delivered \0 and accepted by the Bank and will be deeme<3 :0 be made in:he Stale of
New YOO<.. This Agreement Will be Interpreted in aocoroance with Ule laws of the Slate of New York excluding its conflict 01 laws roles. Borrower here-
~ rmMJC3bly consents lo the 8xduslve jurisdiction af any state or federal court In Hew Yori< Stale where the Bank mainlalns '3 braneh and con-
~ts IlHJt the Bank may effect any service of process In the manner and :It BolTOW1!r's address 58t tnrth above tor providing notice or demand: pro-
"Ided Ihilt nothing contaIned In this Agreement wUI prevant the BanI( from bringing arJy action, enforcing any award orludgmenl or exerclsing any
. righls against BOfTOW~ indIvidually, agaInst any security or ilqalnst any property 01 Borrower within any olher county, Slate or other foreign or
domestic lunsdll:1lon. Borrower ac:.I<nowledges and agrees !hat Ihe verne provided above is the most convenient forum lor both \he Bank ana
Borrower. 8orrower waives any objection to venue and any objection baSed on a more convenient lorum in any aC1lon inStitUled under this Agreement.
2.:1. Waiver ot Jury Trtal You and thl} Bank hereby knowingly, voluntarily, and Intentionally waive iIJ1'( right 10 trial by fury you and the Bank may have
In any actlon or proceedIng. In law or In equity, In connectton With lhls Ag-eement or the transactlons retated h9ntto. You represent and warrant Ihat
no ~pre:senlattve or agent ot the Bank has represented. exprKSly or olheJWIse. that the Bank will nol. In 1118 everrt of 1"19Dllon. seek 10 enlorce l1\ls
jury lrial waiver. You Admowfedge that the Sank has been Induced to enter IllIo thl, Agreement by, among other thln~. the provisions ot this Sec'Jon.
102C031Aa.,ufdC1l.\Jers ano Tr.la.~ frost Comt>arrl
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This insu.umcnt prepared hy
and :\fter recurding: return to:
Pramco Ill. LLC
6894 Pitts ford-Palmyra Rond
200 CrossKeys Office Park, Suite 230
Fairport. NY 14450
200~ fEB 23 Prl12 09
ASSIGN~IENT OF NOTE. t\'IORTGAGE AND
OTHER LO..-\~ DOCU~(E:'\TS
THIS ASSIGi'.~1ENT OF NOTE, MORTGAGE AND OTHER LOAN
DOCUNIE1'ilS (this >~ssignmenl') is made by ~k\~l.t.F.-\CTURERS ...\:'= 0 TRADERS
TRUST CO~1PA~';Y~ for itself and its predecessors in inlerest, whose address is One
Fountain Plaza. ButTalo, New York 14203-1495 ("Assignor"), to PR.A:vICO HI, LLC.
whose address is 6894 Piusford-PaJmyra Road. 200 CrossKeys Office Park, Suite 230,
Fairport. ~ew York 14450 ("'Assignee"). pursuant to the terms of that certain Asset Sale
Agreement dated October 19. 2005 (the "Sale Agreement") between Assignor and
Assignee, Capitalized terms used herein and not _ot~envise defined shall have the
meanings ascribed to [hem in me Sale Agreement.
THIS ASSIGNMENT \VITNESSES THAT. in consideration of Ten Dollars
(510.00) and other good and \'aluable consideration paid by Assignee, Assignor hereby
assigns. transfers. sets over and conveys. effective as of October 27. 2005, to Assignee
and its successors and assigns, without recourse and without representation or warranty.
whether express, implied or created by operation of law. except as expressly set fortb in
the Sale Agreement. the foJ lowing:
Th~t certain Open-End Mortgage dated wfarch 3. 200S~ by Joseph P. Beil, to
and for the benefit of assignor. recorded ~larch 7, 2005~ in Book 1899: Page
1420, of the public records of Cumberland County, Pennsylvania (the
..ylortgage.'), which Mortgage secures that certain obligation, naming Joseph
P. Bei1. as Obligor" together with any and aU assignments thereto and
moditications thereof (the "Note"). together with. such other docwnenlS,
agreements, instruments and other collateral that evidence. secure or
olherwise relate to Assignor's righl. title or interest in and to the Mortgage
and/or the Note. including without limitation the title insurance policies and
h:\zard insurance policies that might presently be in etTect.
The Real Property or its address is commonly known as 4 Briargate Road.
Mechanicsburg. Silve~ Spring Township. Cumbtrland COllnty,Pennsylvania and has a
Parcel Identiiic3[ion Number of 38-23-0571-037. -
~ao~ 72.5 p,llet 128
S:\LOASS-.cOfl'lfl3I1Y ~\.:':lJOO79V,ssil:nrneM tliNotc, Mon~i\tte and Olher LOim Documc:n15.do.:
.
.
THIS ASSJGNMENT FURTHER \VITNESSES THAT Assignor hereby con\;'eys
and quitcbims to Assignee my and all right and interest it might have in the Nlortgage.
Note and other loan documents referenced above. and in the underlying loan and he.rcby
joins in th~ conveyance of the Mortgage. Note. loan documents and loan to Assignee.
without recourse and without representation or warranty. whether express. implied or
created by operation of law, except as expressly set forth in the Sale Agreement.
l); \VITNESS W1-IEREOF, Assignor has caused this Assignment to be executed
and delivered by its duly authorized agent as of the 27th day of October7 2005.
~~ ~
Witness~ ~
iVlANUFACTljRERS Ai\;D TR..l\DERS TRUST
COi\IPANY. as Assignor
~*~~
7Z-M-
By:
Timothy P. Sheehan
Lts Authorized Agent
ACKNO\VLEDG~'IENT
COUNTY OF MONROE
)
)SS. :
)
STATE OF NEW YORK
On the ~ay of February, 2006. before me. the unde~igned. personally appeared
Timothy P. Sheehan. personaUy known to me or proved to me on the basis of satisfactory
c\';dence to be the individual wbose name is subscribed to the within instrument and
acknowledged to me that he executed the same in his capacity. and that by his signatUre
on the instrument. the individual: or the person upon behalf of which the individual acted.
execured [he instrument.
t LLLlf} II., ~(h~~
Notary Public LAURA A. SeDMAN
Notary Public, State of New York
. fi f R Qualified in Monroe County
CertJ Jcate 0 esidence Commission Expires: 1..1I~1 t!:JGa
I hereby certify. that the precise address of the Assignee. Pramco III. LLC. herein is as
follows: 6894 Pittsford-Palmyra Road. 200 CrossKeys Office Park. Suite 230. Fairport.
NewYo~14450. ~ ~
J C,:nH)' this to he recorded By: \LL----.
1n Lumberland County P A 'Timothy P. Sheehan
Its Authorized Representative
f/;w...'<~-;clZ- ,'-~,- /" 5';;,,-i.~'_
;\12f}P 3~O~ 725 P11,GE .l29
.... Recorder 0 f Deeds
S;\LDAi'iS\Comp:1llY :J\5":2l0079'Assignlnl:nl or" ~Ole. :-'lorlg:t:C::1Ild Dlher L03n Doc:UITL"l\ts.doc
02/12/2009 lB:48
.
5853772901
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MIDWEST
PAGE 02/03
IN THE ORPHANS' COURT of CUMBERLAND COUNTY, PA
In the matter of :
.JOSEPH P AK BEn..
Estate No. 2120070753
VERIFICATION
TIMOTHY P. SHEEHAN, deposes and says, under penalty of 18 P.S. ~904~ that be is
an Autb.orized Representative of the Claimant, that he is therefore authorized to execute this
Affidavit on its behalf, that to the best of his knowledge, information and belief, the facU set forth
in the foregoing Claim arc true and correct, and that this verification is being given subject to the
penalties of 18 P .S. ~904.. pertaining to unsworn falsification to authorities.
The Affiant further states that to the best of his knowledge. information and belief, based
upon a review of the Claimant r s business records, there are no paymentS or offsets for which the
decedent is entitled to credit that have not already been applied against this indebtedness.
PRAM~
TIMOTHY P. SBEEBAN, Authorized Repre&entative
By:
Date: February 11. 2008
.
.
IN THE ORPHANS' COURT of CUMBERLAND COUNTY, PA
In the matter of :
JOSEPH PAK BElL
Estate No. 2120070753
CERTIFICATE of SERVICE
I, William J. Levant, do hereby certify under penalty of 18 P .S. ~4904, that I caused a true
and correct copy of the foregoing Notice of Claim, with exhibits, to be sent to :
Lowell Gates, Esquire
1013 Mumma Road, Suite 100
Lemoyne, PA 17043
and
Leanne Beil
22 Royal Palm Drive
Mechanicsburg, PA 17050
ON TillS DATE: 2((~/ce
.
.
P RAM C 0 I I I, L L C
230 Crosskeys Office Park
Fairport, NY 14450
(585) 277-2810
LOAN WORKSHEET
JOSEPH BElL
4 Briargate Road
Mechanicsburg, PA 17050
LOANLEDGER loan number
Payoff date
Prepayment penalty
Demand fee
54230079
02/06/08
03/10/08
8.7400%
0.0243%
$ 8.21
$ 33,809.89
$ 7,978.22
$ 1,242.92
$
$
$
$
$
$
$
$
Maturity date
Annual interest rate
Daily interest rate
Daily interest amount
Principal balance
Accrued interest
Accrued late charges
Returned check fee
Reserve
Impound
Recording fee
Forwarding fee
Reconveyamce fee
Foreclosure fee
Other fees
Legal fee
$
$
$
-------._---- .--- ------------------------- ----------- ----------------------
TOTAL DUE
$
43,031.03
PlEASE MAKE CHECKS PAYABLE TO
PRAMCO III, LlC
AND FORWARD TO: PRAMCO III, 505-12-2500
P.O. BOX 86
MlNNEAPOUS, MN 5548&-2500
*DOES NOT INCLUDE LEGAL
FEES OR COSTS NOT ADVANCED
TO DATE, OR ANY OTHER
ADJUSTMENTS.
.
.
In the matter of :
JOSEPH PAK BElL
(")
S;o
.. "- :IJ
IN THE ORPHANS' COURT of CUMBERLAND COUNTY,:P~(:J
~ ~: ?'~ ~:~~
- (/) ;.';":
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Estate No. 21200701Sf-n
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NOTICE of CLAIM of PRAMCO III, LLC
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TO THE CLERK OF THE ORPHANS' COURT:
PRAMCO ill, LLC, a creditor of the above-named decedent) hereby presents the
following claim against the Estate of Joseph Pak Beil, deceased, to the Executor thereof for
approval, as follows :
1. On March 6) 2003, AIlfIrst Bank (" Allfirst") extended a term loan to the decedent
in the original principal amount of $45,OOO.OO(the "Term Loan").
2. To evidence the Term Loan, the decedent made, executed and delivered to Allfirst
a Term Small Commercial Promissory Note (the "Term Note"), of even date and in like amount.
3. A true and correct copy of the Term Note is attached hereto, made a part hereof,
and marked Exhibit "A II .
4. Allfrrst was merged with) and into, Manufacturers and Traders Trust Company
(hereinafter "M&T") effective April I, 2003.
5. M&T thus succeeded to the interest of Allfrrst in the Term Loan.
6. On October 27, 2005, M&T, as successor by merger to the Lender, sold and
assigned the Term Loan to the Plaintiff.
7. A true and correct copy of a Lost Note Affidavit, containing the assignment to the
Plaintiff at Paragraph 5 thereof, is attached hereto as Exhibit "B".
8. The Loan has not been further assigned, and the Plaintiff is the current bolder
thereo f.
.
.
9. As of February 6) 2008, the amount due under the terms of the Note (which
matures on March 10, 2008) is as follows:
Principal Balance
Interest to February 6, 2008
Accrued Late Charges
TOTAL
$ 33,809.89
7,978.22
1.242.92
$ 43)031.03
10. No payments have been made, nor do offsets of any type exist, that have not been
credited.
Date : February 11, 2008
i ~5.000.00
~ - '. ,~ OHLGR" ~'I. Ll.'-\-L.) 1..;):;) ~ \.=>
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DA TL (;:3, cJf.7, .Ao0.3
(oSlolc)
....,,-. CI .Jl...,.A....r. I
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PIWf\"lJSSOIl~
, .- . U ~1If1rst
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fOIl. V A\.UE RECEIVED. !he ......rerligne... i"Eh"'oW\'....) prom'JtS hI p.'> to It..: <\Ide, l)( A lIlin. 11,,0k. . ....hr).,."J 5Ial,-ck,"I,,.,, '~"'III(f,i.1 b...k ("Il:u't"l. :II I1M!:'S
OITlttS:II II!) 14. Cc.,,:. SIre... Y~rk. t'c""sr'.,"i. I H04 0' al Sl...h nll",r pl""c "J Bonk .1'I.1Y floln lime 10 limc desi@IlIt~, U>o: pru'(Ipal ,um of F'~rlv I;i~t '.hl......nll
.n. 011111)11 Oull.vs (SH.llOO.OO). or SUI;" Dlher ~1,,,,,"\1 :IS may II.: 3dva,,,,:d ("-.,, I.."" 10 III'" III ailrrn..-". 1000clher "'lib IllI...rOSI Ih"'.....' at II\( rat. Dr 1'.",. hernller
spcQliell :100 ;my end III OlhCf S111lU ",hid. nl:l)' bo: owinj: ;0 8:lnk hy OorWW<f plPW;lnIIO Ih,. rrOIRISSC\1)I Nllle. l1lt rollo....,.& lefllI' shall 'Pl'ly llllhis ~run\issory NOl....
f. .t,-rKlU:::ST. From lhc: dalt hc:~of unlit :lII Stuns "ut' hcrc\I",kr. mdllJu'l pltnt:lp3I. ....I\~rcsl. c:.h;'Ut(.i. kcs :m,1 t:\pcnsti :arr: pnad In ;uJl, Ihe pr,nclpaJ ;111",,-,"1( outslantli"c.
riOll'llinlC h,) l.n\C purs'.'lI to th.S Promisso" NOle shan bcur in(~,,$( ItS (OlkJ1\.'S
Fin" no... ".'he li"e'" pcr ""UlIon rille .'1 (;. 7~ftOll"/.
!. CAI.CUI..\ '1101'1 01: INTf.IlF-S-r. lIudesl sl~~ll II< ~akuL"L,j on lho: b.si. 0;" Ih.." h,If\ll,," S.~l~ (lOll) d"15 PC' y,~r ""'lilt JIlphc:clla lhe ..111.1 d.!'S "" ,vhich U"'~
CliiIU "" uII\l>id alii"""" ~"f'tunder.
). 11(1',\ Yf.I"tfT. Borrowl:r sh.~1I mak" pa}RIl:nlS ill flllI)(:'p..!:rn.:I .nlen:sl :IS follows:
Prilleil,.1 A.., I"......., 8c>t'rO\\IU mall. IMke pay~enlS or principal nud inltreSI h'oll!h1r. ,,"'... S\l<h p;ly'''elll in Ihe llIYlounl or.fan.u, GI'lhe 10.lh "~y of exl. ."..n'h.
""&in..il\~ 011 April It. 1003. 3IId conumll"l unlll M..eh. 10, 1808. whiclt .s lhe '.\lIll! end absolu'e dill: dll" of Ihls Prumls~ N{l\e. 011 wllleh 11m... all sums title
,,"ellnde,. i..dllllingllrineipal. inluesl. charg($. retS and .xpenses slr.l1I be pai(! i.. full ./
All ./1IOU'.S Il\~ 10 Bank ~l'CI.IrIder m311 be pa)'Ub1c in immC;dialcly i1Y1libbl" funds by pro:ou(/1llIi7.td tlcbi. of Account I'l\lII\bu . BorroW(r
acre.s 10 mllinulln ~ blllllCt ....,he ;abo",,-dcscrib..d aceounl wh..:h 1$ ac least cquallO IIIe POYlllcnl 3II\0Itl\11ln cueh paymclll due dillC. .
~. rIlEl'A YM E/fT. 801~r In;JY prepoy litis PlOtmssory ~/e in whole or in.PIl/1 ~11!lY lime or frolllli.me 10 li.~nc without pn:mium or oddilioaal inlctcsl Any pr~Y"'en'
pf lht pooo..... blIIl\I"'. of Ih,sl'roInlsSOty NOle <hall be lIpllIltd (0 Ihe OUISbndIR& prlnc;'nal b.liIJItc: or III/S P,omlsSOfy NOfC In the Inyerse order of $Chtdt....d "'~\lnU"s.
5. L'TE I'A YMUn CHARGE. Ir....Y pIIJIIIt:nlllllC ho:rcunclcr (indlldinC any ".yn'ltlll in whole or It' p"'l of princip:lI) is nolreui.elI by::": holder wilhi" lil'l"en (H)
dCftlb, rktys al\cc its d\IC dalc.llorro\lltr sh311 pey IIlllle paymellldtllC" tquallO live pereelll (S%) oflhe IIfllOUnl !hen due
,. AI'PUC:\TtO/'l Of PA \'MtNTS. AU plyrn""ls m:tde ,",rStranllO lI\ls Promissory Note shall ~ IIpplielllirst 10 IlUrucd and unpaid illlmst.lhcR III unp:lid CXJlCnses
and ~es payable huet.,de,. IIIId lhen 10 principal. or in sud. 0II\u \ll\le1' or proporllOll as lite holder, III ,h. hold....s sole arrJ absololt discrtliocl. may elect rlOllllinic 10
lime.
1. SECUnrrV. Sunil due undu this Promissory Note lie SCCIRd by. wi BolTOwer plcd&<s Ind grDlllS 10 8ant II sccoril)' inItn:S1 in, all dl:posil aeeounts and dqlosilS Of
propclt). or 8orrowe.. now or alany lime herc3lie.. in /he possession of or OIl deposil wim 8l1f1t wllelht, ~s "UlodiM or tkposilory or in any Dlhu apocily. In addiliOll. Ihis
Pl'Ollliuory Note is scccwcd by :tRy propertY deSCClhaf ;l$ .:oI1..'1leraI.n ",.y steority :l(lramtnl. mortp&.. dlxd or 1f...1. pkd&c aerco:m<:ttl Of Ollie.. dllC\l_ pmria".ly.
:simull:lnc:ousl)'. Of hereafter ...nklcd inlll by Borrower in connctlion wilh ilr'f oblla_non 0" liabililY or Borrow,,, '0 Bank \II ;my Cllfpllrille olfilialt 0( 8:Ink. under or In
_lion with this Promissory tfOI~. and all rme.....tls. r.flft;lllCin~. Ulttllions. Sub'liluIions. .mendm~nls Ind mooifi""'ions thttt:of. suc\\ olhcf security dOQlfltent(s)
inchlllin, bulnollimiltd 10 the IOIlowin&; .
Srtu..ily ...cr..m...,s)
This ProJnissoty Nolo: spccilic~lIy ineorporalc:.s by re(elCllCe. OS il fully RI 10M huein, ~Jl or lire Isnguaee and pro.isions of II\c: se(;ll{ily doeIImtlllS dcscribIO~ ~I/y or
spetilicll)' :Jbovc.. Bsnk sh:IlI hsoc: Ihe ri~ 10 ~'OIJ nnd apply. .,.'\iMt ~he obJiplions or DOITO\\'e1 lllll,"", ".ide~...d by Ihis Promissoly NolIO IU1)' $\11I\, ofBorro\1lU iII;,ny
lime 011 deposit \lIitII Oanlr ,~ s...-h dC(lOSlIS ~r... ~'31. lime. SOVIlIBS. passbook or dl:mond. pro.,slonnl or "rQl. :lnd Borro",.. hutby pkdges allCl :n/lU 10 Bant a
seeuril\' inleres! in III such d.:posils. .
3. COtiffSSlON OF JlIDGMEHT. BOlT",,"'" irrc.oubly .MI ul>condilionally luthorize' ."d ....p.w.... ...y uC/lmer Jlhnin.tS 10 p..;,lit. bdl~ .ny coul'l or
rtea,. io Ih. Uni'." SI...J '0 ippeor "n bd..ll of Il~rro,..tr i. "IIJ cou..1 i.. 0.. ... mnrt proctedin,s. or be fare any derk Iher..f or 1'1011101\01.1')' or olhe.. '''''rl
ollici.l ."d I. "I'PCor for. .unrcss :\l.d en'er j"dtme"l .pin.1 n............ .. a1ty lim. "p.n snd .nte Ihe ac.u....e..ee of "'y der.,,11 Iocr....llcr, will> ......mcn. .r
d.r..I.. ...ilk '1' wilh.ul eanlploin' filed. .nd wi.hout p..i.... ...iet I. ., opporluoity ot Borr.,.... ror prio.. h...i"c. i. f...~ .f 11..1. i. lh. roll...oonl at ,he
indebl<docss ..ideat... by Ihis '...aniuor, 1"1.,. (incln,jinc I'..i""i"..'. .cerutd ilHereSl3"d ."y ."d .11 chrll<l. r.es .nd CSPtl\Su) ph'J 'oorl ,aslS, pips alla..neYJ'
r.tS ...pollO /if.ce. pe..celll 115%) or Ih. ."p.i.. bnlo.u of p""t'p:ol. IItlcrrsl. t\lor!:,.. uti oCher ....". d... .... whiell """Y bteuII" dut Iltnn.d,r. ",illl rel..se ~r
,n cr..rs .." ,..ilh.,,1 ol:bl .r "'PC"1. I. .dllllion 10 .11 olb... eOltl'lS i. whic" j""C''''OI mAY bt .."r.>>ed .\:.inSI 1J0m,....r "pap Ibi.P......isso..y HOI<. Ihrrolrcr
'C"cu'h.' .Cope .n" jPrisdicti.n slnll be p...pe.. in 'hc eOvrts.f auy tOUllty 0" dly ar lb. e.II..II.",...III. or relt"syly..i.. or io Ih. U_il,rI Sb'(J Dislri.. Copr.
for rltt f-.Jidd'c District DC rUU5YWD.ia. B.ln"oW"cr w~Wts lbe be-Refrt or ,ny iJlUJ c.,rry Jr:tlnlr. "rdina'.(~ or r"'e: a( c....n. whtlhtr ..,.... in f.rn or herdftRnrr
tJl~trt&l. w.irb n'.l ht law(ulty "ilivrtJ (ou{c:rnn.: upo.. BonowC'r Iny 0:11. Of priyjfc~C' or rn"'pl;o,,~ tloRlc.Ucad ti~Ms.,:lpp,.,inmc..r. Jby .r fJeruri... Dr
UI.tplltl'fnt.ll")' procudhlGI, ur arlter rd;tf (ro... rhi{" c..(onuntWr .r ilaftltdialt tnll)rtcu)cnt of ;l jud~Ut('" or rd..te:rl prot.c:cdiap .tt 11 j..dc,Jltr:nt rr. the c.dCQ'
prohibil~d by .I'pliublc 10'.. ..7 j""~'l\eol obtai"ed bJ tnf..m.n sh.lI not conSI,lul, . lie. .n ;tny rt""up.rry 10t;t1ttS iu Pt..syly...i, ..hicb is Ibt residence
.f ..y Borr.IY....) Tile .,,'hori'y ...d po..e.. III .ppear Co.. and ta.e.. jurl;nlCn' .Ca;,..' n.rro,.... sh.n nof be ubauslcd by ant a.. more aercises Ih....o~ or by
..y ...perf,,, ..creis. (be.....f. aDd sh~1I 1101 he tSlint,,;sbrd by "y jud!:Hlu, eOlertd PhrsVOllllhcrcl.; .ueh 'hlhoriry 1",1 pO"'''' may lit uutised 0_ OPe or
rn.re IItc.sio", rI'D'" Iim, 10 liDlc. in Ihe san.. or dilTt.."I !IIri!dit'io.s, .. .fleo OJ R,,_I; ,h.lI d..,n '."e.....'1 .r .d~ls.bk. I'ORROWER HEREB\'
~CK.o'lOWlEDGE5 THA T TltE CONFESSION OF IlIDGME/'IT PIIOVIS1ONS MF.REIN CONTAINl:D WHICH AfFECT AMI) W"IVE e~RT AI'" I..EC..\L
luc;ms Or DORROWEll tl,\vl BEEN READ. UNDERSTOOD ~"'D VOLUNTAfW.Y AGREED TO BY BORROWER.
,. NO SAl.E 011 TR.~SF'ER OF ASSETS. Bono...c JhIIIl MI ~n, tr.III$ter. !-..asc or oIherwise dispose of 01' 0' any malerial PI\" of Borro>....s ISSCI$ 'VI\hau'lhe prior
"';1... COt\$UlI of flonI;. ::xtcpt in 111< ardinlty tClUCtt of Elorrowe(s busiflCSS. .
10. DEFAU1.. T. Any of 'he 1OIlowillC will 1M: ~ defaull under Ihis PltlInWory 1'I00e: Ca) loillllt 10 p:1y any prinei",,'. expense, o:h~. (e" III iNcttsl ~ elk. Of r:.a....t 10
=:s:.~~~~~ =:;i~c:ai~.:::~i:y"'~:r~r":: o:r;~ :~~;t~':: ~~~~~':: ~~-:::. ~=~ ~~';'(~:=e':'..~~ ~;;'::
bend'. of Bank 10 secure ....y of the ""Ii~,ion$ of:lnY 80rro\_ 10 Bank r"0II1.r OltIieOf"). Ppt>R 'R)' .Ilf lhe exisling 01' NIUrc: oblicn<iOlU of a.., Olhcr ObIipr 10 Bant; (Il)
3 lIel':rull in allY OIlier acn:cmcnl. inSINmc:n1 or doeumc:/Il be~,. 0ITf 8onowcr or OI/1c:r Oblip:and 8;>nk. or any COlpOr..e :>tli.ioI.$ of Bank. irduolinc. withotlllimilllliOll.
tII)' see,,"l)' documtlll refc:ncd to 1IIboYe. whether prcvioU$ly. simuh~ly. 01 hueal\er .ntered iIllO: (c). a """coal adverse eltance in lht rllWlC;Jal cond~ion or :Iny
8ono_ or Othu Obligor fl1ltn dial t>:p...."." III ..,., /i""""ial SlI\Wm1\lIllOSl ,ccClllly wbmint. 10 Bank prlOf 10 rhc dalC of lhis Promissory Note. lIS det"""ined in tood
failh by 8""k in its sole .JiselClio..; (I) illSlillllion of boutklupIey. insoNtnCy. n:orpnit:Jlion or receivership proc;ccdinp by or llpinsl :tny 8orrowu or 0lIIcr Obligor in DIll'
Sl:tlc llI' fed.ral CIlIJfl; (g) lhc .ppoinmc:tlllJf 3 rttciva-. asslg-.. tZlOdi:tn. 1rIl5I.., 0' limil", officio! under IIIl)' ftdtcaI or Slalt insol.ency III crnlitors' richts law for M1Y
'=C~:::~:=:~~~~"'." ~fB~=~~~f~ir~~~:~~~c:.~~~~f.,~o~~~~~i:.::== =;.:
anade wliJfnishd; (j) Ihe OCXllC~ of arty e_ wIIi"'. is. or Ilr<JIJId "" wilh the passage of lime 01' d1C giving of nolice or both. 3 clef.lulllll\dtr ...y inddlu:dness or arty
==~~~~i~i~or~~':'::S~::= ::C~b=::"'~is~~.:.s;:n~~~~~~f~~f~~~~~~~~
in Ihe ardi""'7 COlI'" of bus_ss or Borrot~r tII Ocher Obligor, (I) Ihe trIUy of ill\)' filtill judgmenl against i1nY Borro_r 01' Olh.. Obli&or for Ihc poyIIICIII 0( _y in
tlCCCSS of S5.000; (m) lilt icY)' upon 01 ollodllJlClll of ""y Usels or ony 80rr0wu or Olhcr Oblil!or. (n) lhe rcc:orlblion of any 1i:dcnI. Slote or 10Ql b1. Iitn apinsl any
=:O~ =~~J: ~~~:ri;,r(~)7~;S:~:ot~S;;;:'o.=:ro:~:~ti~~::r; :;;:n/:~u~: ::rn~B:ro~OIOt~~:~ ":~~~s=
to Bani; such linancial iIlfor.....iOll ... Bank -I' requir" '-rOln li_1O bnte; or (r) IlIt dClermin",i"" in gOOlJ 13ilh by BanI;. ill its :IOIc di5aclian. ..... IlIt .biliry of :lfly
B..."""" or Other OItficor Co pay Of perform ~Iry or IIltir rtSpttli~ obli"olions 10 Bunk is impaired for llCIy reason
. II. Rf;MEDlltS. Upon a deliatll. in aIIdiliCrn lo:ill otller rit,hls'McI rcnllOdies _ilable 10 8ank nndCf ""y olhcr <locum"'" or oyr:cmCRI bctwun Ilon_ iIIId Bani.: or unakr
:'e':;:(i) ~~;'::'~~:;:C:';:::i:~~ Ill'::': :::':~~~:::'r ~~::r~::s:,~:fc:c~lc ":':~:~~~ ~..:~~=
such 4<f""lI; """ (b) cled"", !he ellli" unpail1 prinr;i1l31 boI3..... p1u. ':I\.'UUed inlelCSI and all omt( ,ums due hereunder immahalely due .~d peyablc. BOIT01fO' av= lNC a
t1cr.llk undet Ihi, Promissory Note is a dcfaull by Borro<vcr undu .11 olher liabilnits ana Obligallons of Borrower to Bank, an<lIMI B;mk mall toallE IlJc .jthllO da:I:trC
immcdialtl). due:lltd P'IY.t"e 01' of sllCh ,,'her li~b.lili"" ..-.I obliytlions. 80nDwcr \\I;tives any riCh' or claim 10 c.use a marshollint D( lilt assCIS of Borrower '" any OUltr
ObIip.
!!. !IrrEREST RA. Tt ,~ITER JUDGi\-: "NT. jfjud"m.:II! is cnIcrcO lI/l"insr tlorro""" on thIS hotnissory Mole. the amolll\l oflhe jooJl1lC/l\ CI1Icm1 I,""id: rnq iocIUlIe
pri.....-;p:tI. in~. char&es. fees. IIIlI1 expenses) ,;hall be", inlcteJl .. lhe higher of lI\e ablJYt described defl,,11 trllcr...n rM" <IS dell:.mincd on Ihe dob: of lht cnlty Dr I/le
jutS"""", or the Icpl rare of inleresc !kn 3pplicb'" 10 judgments in lhe jlKisdiction in which judgmUll w:>s en"".d.
:i~i;~~2~f~~~~,~:-'.~;:O~; :::~~:s ~~J=~~y~~ ~X~lI::;;~i~::Sj~:IS~~~~"':~ir:~~~:
coIlto:1ion. whethtr or tIOlludcrncm has bo:cn CO\lfcsscd III suillw been liled. BOfTOWU sholl pay iii of lI\e hold."..s costs. r.es (including. but /101 limil.a 10. rhe hollkr's
~~~~ ~~ll:E',J. ~:::~~~~;=-u: ~~~~~7's:., ~(='be deCfllC(/ 10 twc . n<&Oliablc inslcum.nr. eYCll lhough this Promissory NOIt m.y nol
qualify IIIlIc:r ~pliclble r_, aItknl litis ~ as a nc:;oliable inslrumenl .
15. W"'I'lUs. 1lotr0\llU. IlIId all pilltics 10 this Pr<llIIissory tIok. whclhcr mllkcr. endorser, or cuurunror, Wli.,., prescnlmem, demand. notiec of disltonor Ind jlIOItSl
U. EXTErlSrONS OF MA TURIl'V. "II partie,; 10 lhis proroissory No'1:. wbclhcr ",""r. endorser. or gUlllInIoC. 3&~ \hot the III:lIIlrity 01 rhis Promissory NOle" or:ll'lY
paymCRI due ht:reundtr. may bt: exlended It ""y lime or from lirnc to lime withoul releasing, discbartif>c. or alfecling the li"bility of such parly.
17. /'IOTlCl!:S. Ally notice or demand required or pcrmillcd by or in _clion ,,;Ib this Promisso", Note. wilhoot impIyi"C /he obligalion 10 pro.,;. IIll)' noIitt: or dtmorlel.
sllall be in wnlinc .. Ihc :lddr_ SOl rorth below or 10 suc/I other aIIdltSS as mllY be heraft.r specified by wriltCll notlct 10 BanI; by Ilonowet. AAy such AOlice or demand
shall be ~Ctmcd !O be elrcai"" as oCllle dat... of hand deli..ry or f:ICSi..il, Inlftsmi:rsion, ane (I) day ~lIer displllth if senl by telegram. rnadgl'Ml. ovemiChl ddiYcly. express
mail Of federal Exp<as. or IItrt~(3) days after rnailu,g if senl by Iirs. .1m m;til WIth paSIIlI:. prepaid.
U. JOINT .I,NO SEViRAL UABll.ITV. If more !hit" one pcrsOll Of entity is txtallint lhit Pmmissory NOIe as 3 Borrowt:C. III h~Dililies URdu ,his' PIOflliSSOl)' Noc. shall
be joint ~ sellall willi rcspeellO c;dt of suo:h persons or .nliIits. .
19. BINDING NATlIl\E;ASSICi'lADILO'r. This ProlRis.silry NOlc shill inure to tile bentlil of and be enforceable by Bank.oo Bant'. S\ltuS1ors iIIIII aui~ 1100 ...y
Olher pellGR 10 whon\ BM!; may CClllll :tn inleresl ;n Borrowcr's ob/iC.lions 10 lhll~, and shall be bin.ling 3JId C/lrC\ltcablc: .gains! Bono,""" lIIId 80rT0wt(t persona'
represerlllli.,cs. S\ltUSStn Md :.ssitns. This Proonissory NOI. "lay be :lS$i~ by Bon!: or ""y holder aI "'1 lime. Bo,rower ,hall nol have: rhe r\chIlO assi&n ilS rith!s
Itcrwndu or any ;nr.resls he,ein wilhoullht prior wOrt"" torueDI oi Bank.
10. [NV),LlDITY OF .~tfY PAnT. If:lllY provisiOll or part of any pIOvi.ion of lhis Promissory NOIe shall wr any rOlson be held invalid, ;/J'Cal or vncnlbrte:\blt in ;wIy
::~: i:,,:'~i:~~Z~~~~~~~=~~r~:~b:::'~c~~~~ "':e:~~e~n~O:~fc:cr~~:~~f:~; ~~~i~~~I~~:~~~~.~id~I:.r?t~:~ :~~:~~b;l~rylSlC\ltd ;s if such
YS-olO". ....CI:.... ,
. '.
n M,IXIMl:lIl l~An: OF INTt:IlEST; COMMf.nCI.-\I. o"..d..ll.>dillC an, 1',0.i"UI' of Ihis P'omissory Nc.lt to Ihe Io.>nlr,<)'. Borrower bt
ObloillCO 10 P~r inltrCSI hereunder .11 e.<U.. ol.lhe 'I\;&.,ill\~ ".b:.. >I. ""nn.ned by the 13..s of Jny .IMe .Jc:lenlli!l<d lo.ll:oYCrn Ihis. P,on..s.<<>ry N"., or Ihe of Ih(.
U'"kd $13lc. IpplieJblc 10 10;1/>. In s""h SiAl'. II ."y provISion 01 IhlS PromiSSory Note shall <Vcr be oonsrrucd 1(> rcquICc the paymcnl 01 allY ("nounl 01 \"Icr~l '" "Cc.s 01
tl\>1 """"iRed by oppl;.,.I'I< low. lhen Ihe ll\IelClllO be paJd h""under shall be h<ld subjeel 10 lC.lt,u.,n 10 'he ","",all allo",,,II under '\lIlhe_bk law. and any 'UOIS 1)~ld '"
,-"." of Ihe '''I<ft.l ralC :lJlO"'."d t:Jy Ia", sh-.>II be applied .n ,cducuon O(lhe pti'lCipal balance I)IJtSlant!int unlkr Ihis Pronllssory Nule 8N,QW", lClO(>wlcd~"s 11"'1 il II.,
been <onlcu"".IN al ;&If III"es by Borrower thlll lhe bW5 of Ihc CO"II\,o",'eolllt 0' Penosy'v."i" ""II govern !he 'lllIJlimurn me Of inltreSt that 1111 permISsible (or Ihc
ht,lcIc:, ur ,hi. Promissory NUlc 10 ch3'ge Borrower uRdu Ihis t'rcmissury NOte Borrower "'~rtilnlS 1h:Jt lhi, Promissory NOI< c.ilk",... . k"., In;"'e snlely 1(1 o"'l'l1Ie ;u,
"'ftrul 'II or 10 corry on tl hustn....'U or ,;omlftC.rciDl cnttf1)rise.
l!. CflOICE OF LAW; CONS'.NT TO VEN\JF. ANU JURfSUl(.rrON; .\CnONS AGAINS-r DANK. .!"his P,nn,im"y NOle shall be ~Ov.med, eonsuuccl "''''
_.preled in ..eo..l3n<:e with lhe I~",s orllle ('0"""011"''''''' uf re""sy!..."i., ....11 iflhc I'cnusy'v."i. ""cs ~ovemio~ Illn/liclS onnws "'0<.111 Olhcrwlse reGlli" lIlOlllll.
b.., \If .""Iher luns<.lieliuIl GOv,," .his "ro,",ssO<). N..... O,\jlOwcr conseNS 1(1 !he jurisdictllln ;lnd ,.enu. of lhe .:.J\.ro of ~ny ccllncy or eicy \II .h( C.",,,,nnw.nllb .,
re....".."i. ..'" la..he juci>1liclion .nd VCf\UC of lhe United $1:>1.. Oislrl(l C"llrl /or lilt Middle Dbh'iel If I'.uosy'vlhi. in any tlClion or judici., procceding br\luch' h>
en lor':'. "OMI"", a' .0Icrpr<:llhis Plomissor)" Nole. Any 3I:lion brOU~N b). 801T0"'I:' acainsl D3Illl which is bued., din:edy 01 illllirccU~., or .n wh<>le 0' .n p.rt, "pon Ih,.
humiuory Note lIr an... <MRu 11;101<11 10 this PromilSOry NDle sholl be bClluCh' onl). in IIlr: C<lUClS of Ilk: CORlnu.wClllh 0/ J'tuoly/vaui"
D. UNCONDIT,ON;\L OlJlIG.\l.IONS. lIurro,yer's \ll>lic.,ions ondc, Ihis Promissory ""'Ie s"al' be die alltolllte IlI\d UIl!:Onllilioll.ll Juty af\\l ollhg:>lioll or 8orruw<:, ;11'"
51>.11 be indcpc1l<lclll of ;loI'y ri~"\ts ,,/ Stl-olf, reCOUpmell1 or C\lUntelCloim Which BOITll\\'C' mighl olherwise Ita... Jeftinst !he holdct of Ibis I"O/\I",""} NOlt. "lid Dorlo\Vl:'
~~I.~~l'.~~~~I~~ k^J'~~~~~~Ft:'~'{i':i;~:~='~~~ ~~:":~~':'~ ~~~'::;,~~t ;:!e~~~~::~ri:{el~~:~;II~~8;~ s~~'::~ of
lbe pruvisions \lflhis Prornismry NOte or;uty nf!he riebu or "m.:dies ofllank Wilh O:Spco:l herelo sll~' be elfecciv" or cnfor.:c"b1e U/Ilcss in writint No inUl~CCI\CC or dc',,;-
Oft !he pM! "r BM" in .::tcIC'SinC OIly pllwer, p<;vikCe or riglll herellllller or und.:r DIIY othet Dcreemenr cxeculed by Borrower 10 Bank in tonnecl;on hercwilll shllll operOle as
· ,,,,,ivCI t1""COr: No sinelc: or portial "'Clt:lst: ofony IJI)\-. pt;v.legc or right shall pret:1urIc: o!hec or IUnhcr cxcn:ise lhereof. 01 the exercise of ;any.olher power. priv.lege ur
",hI. No conduct, CUSlom or co..-se ol dealing wll be e"eClive 10 wni"". an\CI\d, rnoJify 0' rel"lISe Ihis Promissory Nule or any 1)( Ihe lem,s :IRcI ~...,"'iuo"" hcrctJf. TIlis
::;:: ~o:::r~::'c:~~':::,~==:s =:n~~(~~~":;~a~~~D=i~r~=~~::.ts~ryrcsJ: 10 lhe subjcel mllller 5el IOrm herein, aOt1
2i. On/ER WAJV!:JlS, ETC. In !he eYelll Bank has bee'l &fBI\led a lien 0' _iry il\l<rCSl:1S eoll_al (or lhc lImOtUlIS owed under lhis PrOOllSsory Nole by ~ porl)' OIh"
lhaIl BorlO\O<:r rOlher Co"..cr.."). Borro<MCr ;ao;ltnowlcdgu ond ",rces 1h.1I Ihu documents evidencinc sudllien or sCo:lIrily int.resl may modi/)> csisl.ng law llnd modify,
~:~,~~~O: ~~ (~~~o~~s~~s ~~7~0~ C:::I:I ~~":'j,'i~~.: ~~ll~~I~:I~:r~,:\~~~I~~~~=o~O;;"oc~t ;o:~t~~~
COIIrers :III)' righu 01> B~r or imposes allY cIulies on 8(1/\1;; willi respccllo Bonowcc. 8_r narces Ihal svell liel'lS and dUlies haue been modified. "",ived 0<
uplaincd lO.he.....e e.'ClCnl. and in rhe same mllJV>C'. lIlallhe party ptOuidin/: tile OIh... Colllleral has agreed 10 mollify, waive, or explain iu comsponr/int riChu and/or...y
~~~':~1 ~';M~~;:Arz. ~~r~\Yer (by cscclllio_ of .his ProD'iuory 1'1.,.) ud Dallk (by .e<<pr.nce 0/ Ibis I'romiuory N.'e) "1:"" Ihl."y ..11, ><1;0", or
I"ftct<di,,~, wbe.ber c1.i", Dr (lIuortrcloi",. btllllgllr 0' inSlilal<d by Dorrow" or n".k "" Ir ,.ilb nSptd to Ibis Pro,nluory NOI. or wbieh io .IIY \voy rcllllu,
Ilirtelly or i"di..clly. 10 rb. ohliJ:.lion.s Of])llfTOwtt 10 Duk uode, ,.;, Promissory 1'10'0, orllle "..1101:' .f lb. p.rJiu ,.ilb ,cspeerllltrrlo, sb," be lritd ..11' by
· jude. ~lId "01 by jury, Burrow", all'" 0.111; hettby csprus'y ..aive OilY riChl 10 . lri,,1 by jllry io ."y sveh ,uil. "C1illll, or pronedinl:. Dorrow.r ."tI D...k
~dattan'tt'd.tt :1_0 Aerr:e thai litis provision is . Sflttllk :aDd tnalcreal Isprcl .f the il~rcC:lQtnr hrr\f'~tll .be p:trliu "ad .hOlI O.,.k wouh' >>toot tPter iltlD .he
InllucriOIl wir. )Jorru\Ytr ifrbis pr.woulo.. w[n JU" iI parr ,rrbc:irat.rtc.n,ent.
IN WrrNESS WHEREOF, "".I 'nlending 10) be leplly boot>d hereby. the und~icncd eXtcule this PromISSOry NDle "ndcr sCill. as Bortower, :IS oj lbe dale firsl ,",inen
obo",,-
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dO~
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t/ ::r~~ 4,. Y4....1:;
(prinl N~rne)
Address: 3901 Uarnd.'e Oriv.. Suil. 110
C''''p Hill, \'...nsylnni" I~O"
Te'evhon( ,,",limber
Soc:ia. Sccur;ry No:
t7 (1) 76J.,815
lO!-~'-51i'
y$.I1...... '~tlt' "'4. J
5131
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Th is insu"u ment prepared by
and ~f[er recurding~ return to:
Pramco III. LLC
6894 Pins ford-Palmyra Road
200 CrossKeys Office Park, Suite 230
Fairpoll, NY 14450
2066 FE8 23 Prl12 09
ASSIGNi\'IENT OF NOTE. MORTGAGE AND
OTHER lO.-\~ DOCUi\(E~TS
THIS ASSIGi'.IfvIENT Of NOTE, MORTGAGE AND OTHER LOAN
DOCUMENTS (this ~'Assignmentn) is made by i"~.:\~tt.FACTURERS A:'iD TRADERS
TRuST COl\'IPAKY~ for itself and its prcdecessoJ"S in interest. whose address is One
Fountain Plaza. Butlalo. New York 14203-1495 ("'Assignor"), to PR.-\:\'ICO III, LLC.
whose address is 6894 Pitlsford-Pa)myra Road. 200 CrossKeys Office Park, Suite 230,
Fairpon. ~ew York 14450 C'Assignee"). pursuant to the terms of that certain Asset Sale
Agreement dated October 19. 2005 (the "Sale Agreement'") between Assignor and
Assignee. Capitalized terms used herein and not .otJ:aenvise defined shall have the
meanings ascribed 10 [hem in me Sale Agreement.
THIS ASSIGNMENT \VlTN"ESSES THAT, in consideration of Ten Dollars
(SI0.oo) and other good and \'aluable consideration paid by Assignee, Assignor hereby
assigns, transters. sets over and conveys, elleclive as of October 27, 2005, to Assignee
and its succ~sors and assigns, without recourse and without representation or warranty_
whether express, implied or created by operation of law. except as expressly set forth in
the Sale Agreement. the following:
ThL:t certain Open-End Mongage dared iVlarch 3. 2005, by Joseph P. Beil, to
and for the benefit of assignor. recorded tvfarch 7. 2005~ in Book 1899, Page
1420. of the public records of Cumberland County, Pennsylvania (the
"Ylortgage"). which Mortgage secures that certain Obligation, naming Joseph
P. BeiL as Obligor, together with any and all assignments thereto and
moditications thereof ([he '.Note"), together with such other documents.
agreements. instruments and other collateral that evidence, secure or
othenvise relate to Assignor's right, title or interest in and to the Mortgage
and/or the Note. including without limitation the title insurance policies and
h:'lZard insurance policies that might presently be in effect.
The Real Property or its address is commonly known as 4 Briargale Road,
~lechanicsburg, Silver Spring Township. Cumb~rland County~.Pennsylvanja and has a
Parcel Identiticarion Number of 38-23-0571-037. .
~ao~ 72.5 r:,G( 12 b
S:\LO..~SS..company 5-l'.;~H007l)'^ssignmenl oiNolC. Mort!,!:l~e and Olhcr Loan Doeun.....nts..I!OI:
82/12/2009 16:40
585377.1
MIDWEST
.
PAGE 83/133
IN THE ORPHANS' COURT of CUMBERLAND COUNTYt PA
In the matter of:
JOSEPH PAK BElL
Estate No. 2120070753
VERIF1CATION
TIMOTHY P. SHEEHAN, deposes and says. under penalty of 18 P.S. 64904, that he is
an Authorized Representative of the Claimant. mat he is therefore authorized to execute this
Affidavit on its behalf. that to the best of his knowledge, information and belief. the facts set forth
in the foregoing Claim are troe and eorrect, and that this verification is being given subject to the
penalties of 18 P.S. ~4904t pertaining to unsworn falsification to authorities.
The Affiant further states that to the best of his knowledge, information and belief~ based
upon a review of the Claimant' 5 business records. there are no payments or offsets for which the
decedent is entitled to credit that have not already been applied against this indebtedness.
By:
PR~_
TIMOTHY P. SHEEHAN, Authorized Representative
Date : February 11, 2008
.
.
IN THE ORPHANS' COURT of CUMBERLAND COUNTY, PA
In the matter of :
JOSEPH PAK BElL
Estate No. 2120070753
CERTIFICATE of SERVICE
I, William J. Levant, do hereby certify under penalty of 18 P .S. S4904, that I caused a true
and correct copy of the foregoing Notice of Claim. with exhibits. to be sent to :
Lowell Gates, Esquire
1013 Mumma Road, Suite 100
Lemoyne, PA 17043
and
~REITER & SI'EIN, P .c.
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