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Home My WebLink About09-08-08 15056041147 REV-1500 EX (06-05) OFFICIAL USE ONLY PA Department of Revenue Bureau of individual Taxes County Code Year File Number Po BOx.2sosol INHERITANCE TAX RETURN Harrisburg, PA 17728-0601 RESIDENT DECEDENT 2 1 0 8 0 5 0 8 ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 174 20 3267 04 24 2008 02 18 1925 Decedent's Last Name Suffix Decedent's First Name MI ROBERTS MARY E (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW ~~ 1. Original Return ~ 2. Supplemental Retum ~ 3. Remainder Return (date of death prior to 12-13-82) 4. Limited Estate ~ 4a. Future Interest Compromise ~ 5. Federal Estate Tax Retum Required L (A~1n r.f Ac~14. ~ffn. ~7_17A7\ X g Decedent Died Testate ~ 7. Decedent Maintained a Living Trust 8. Total Number of Safe Deposit Boxes --J (Attach Copy of Will) (Attach Copy of Trust) o 9. Litigation Proceeds Received 10. Spousal Poverty Credit ((date of death 11. Election to tax under Sec. 9113(A) r between 12-31.91 and i-1-95) (Attach Sch. O) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number JAMES D. FLOWER, JR. ESQ 717 243 6222 Firm Name (If Applicable) S A I D I S , FLOWER & LINDSAY REGISTER OF WILLS USE ONLY n~ C"~ ~`? First line of address 2 6 WEST SIGH STREET - ~ ''~ r ~ ~''~ ...n -=~ Second line of address ~ ~ - _ t ; _: _. iDA`f~ FED :-:, L~:i Ci or Post Office h/ State ZIP Code : ~:_ - CARLISLE PA 17013 _ ~ - ~~ Correspondent's a-mail address: Under penalties of perjury, I declare thaYl}~ve examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is yWe, correct and complete. Declar ion d( preparer other than the personal representative is based on all information of which preparer has any knowledge. Jay W. McBride Jr. ~'j . ~' 45 SummerField Drive, PA 17015 SIGNATURE OF PREPARER OTHER THAN REPRES TIVE DATE ~~~~ ~~`~.~~ James D Flower Es ~ .. ~,..~ 26 West High Street, Carlisle, P'~C 17013 Side 1 15056041147 15056041147 J 15056042148 REV-1500 EX Decedent's IJame: Mary Ellen Robert s RECAPITULATION 1. Real Estate (Schedule A) .......................................................................................... 1. 2. Stocks and Bonds (Schedule B) ............................................................................... 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C).......... 3. 4. Mortgages & Notes Receivable (Schedule D) .......................................................... 4. 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ................ 5. 6. Jointly Owned Property (Schedule F) ~ Separate Billing Requested ............. 6. 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) ~ Separate Billing Requested ............. 7, 8. Total Gross Assets (total Lines 1-7) ....................................................................... g. 9. Funeral Expenses & Administrative Costs (Schedule H) ......................................... 9. 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) ................................ 10. 11. Total Deductions (total Lines 9 & 10) ...................................................................... 11. 12. Net Value of Estate (Line 8 minus Line 11) ............................................................. 12. 13. Charitable and Governmental BequestslSec 9113 Trusts for which an election to tax has not been made (Schedule J) ................................................. 13, 14. Net Value Subject to Tax (Line 12 minus Line 13) . ................................................ 14. TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, of transfers under Sec. 9116 (a)(1.2) X .00 0 . 0 0 15. 16. Amount of Line 14 taxable at lineal rate X .045 2, 0 0 0. 0 0 16. 17. Amount of Line 14 taxable at sibling rate X .12 3 5 5, 6 0 6. 5 2 17. 18. Amount of Line 14 taxable at collateral rate X .15 3 3, 4 3 1. 4 6 18. 19. Tax Due ..................................................................................................................... 19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. Decedent's Social Security Number 174 20 3267 100,000.00 13,500.00 70,833.98 224,037.19 408,371.17 16,370.45 562.74 16,933.19 391,437.98 400.00 391,037.98 0.00 90.00 42,672.78 5,014.72 47,777.50 Side 2 15056042148 15056042148 REV-1500 EX Page 3 File Number 21-08-0508 Decedent's Complete Address: DECEDENT'S NAME Mary Ellen Roberts _ STREET ADDRESS 634 N. Bedford Street CITY STATE ZIP --- Carlisle PA 17013 Tax Payments and Credits: 1. Tax Due (Page 1 Line 19) 2. Credits/Payments A. Spousal Poverty Credit g, Prior Payments C. Discount 3. InteresUPenalty if applicable p, Interest E. Penalty 45,000.00 2,368.42 Total Credits (A + B + C) Total Interest/Penalty (D + E) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Check box on Page 2 Line 20 to request a refund 5, If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. A, Enter the interest on the tax due. B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (1) 47,777.50 (2) 47,368.42 (3) (4) (5) (5A) (56) 409.08 409.08 Make Check Payable to: REGISTER OF WILLS, AGENT ~~ PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred :.................................................................................. ^ [x~ b. retain the right to designate who shall use the property transferred or its income :.................................... ^ [~ c. retain a reversionary interest; or .................................................................................................................. ^ ~ x ~ d. receive the promise for life of either payments, benefits or care? .............................................................. ^ [x~ 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 foP' or payable upon death bank account or security at his or her death?......... ^ L~ 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? ...................................................................................................................... 0 ^^ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is three (3) percent [72 P.S. §9116 (a) (1.1) (i)]. For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero (0) percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [72 P.S. §9116 (a) (1.2)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent, except as noted in 72 P.S. §9116 1.2) [72 P.S. §9116 (a) (1 )]. The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent [72 P.S. §9116 (a) (1.3)]. A sibling is defined under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. Rev-1502 EX+(6.98) SCHEDULE A REAL ESTATE COhAAONWEALTH OF PENNSYLVANIA INHERRANCE TAX RETURN RESIDENT DECEDENT ESTATE OF (FILE NUMBER Roberts, Mary Ellen 21-08-0508 All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts. Real property wfilcfi Is jointtyowned with right of survlvorshlp must be disclosed on schedule F. Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule A (Rev. 6-98) (If more space is needed, additional pages of the same size) Rev1503 EX+ (6-9ti) SCHEDULE B STOCKS & BONDS COMMONWEALTH OF PENNSYLVANIA I I INHERRANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Roberts, Mary Ellen 21-08-0508 All property jointtyawned with right of survivorship must be disclosed on Schedule F ITEM NUMBER CUSIP NUMBER DESCRIPTION UNIT VALUE VALUE AT DATE OF DEATH 1 United States Savings Bonds -See listing attached 13,500.00 TOTAL (Also enter on Line 2, Recapitulation) 13,500.00 (If more space is needed, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule B (Rev. 6-98) Rev1508 EX+ (8.88) SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Roberts, Mary Ellen 21-08-0508 Include the proceeds of litigation and the date the proceeds were received by the estate. All property Jolnttyowned with the right of survivorship must be disclosed on schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 2007 Property Tax/Rent Rebate 300.00 2 Carlisle-The Sentenel -Subscriber Refund 14.00 3 Cumberland County Employee Retirement Plan 3.99 4 Cumberland County Employee Retirement Plan -Retirement distribution 32.77 5 Economic Stimulus Payment 300.00 6 River Source -Long Term Care Insurance 85.00 Reimbursement for 4/1 and 4/2 care assistance. 7 RiverSource Life Claims -Long Term Care Rebate 367.38 8 RiverSource Life Claims -Nursing Home Care Rebate 61.52 9 RiverSource Life Claims -Long Term Care Insurance Division 495.00 Payment for 3/3/2008 to 3/31/2008 10 Travelers Checks - D6387-164-318 80.00 DD535-566-157 DD535-566-158 DD535-566-159 11 Group Insurance Administrators -Refund of unearned premium 5.87 12 M & T Bank 1st Saving Account-Holiday Club -Account #025004920036868 120.07 13 M & T Bank 2nd Saving Account-Holiday Club -Account #025004920096713 120.07 Total of Continuation Schedule See attached page TOTAL (Also enter on Line 5, Recapitulation) 70,833.98 (If more space is needed, additional pages of the same size) Copyright (c} 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule E (Rev. 6-98) Rev-1508 EX+ (8.98) COMMONWEALTH OF PENNSYLVANIA INHERRMlCE TAX RETURN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, ~ MISC. PERSONAL PROPERTY continued ESTATE OF FILE NUMBER Roberts, Mary Ellen 21-08-0508 ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH 14 M 8~ T Bank 3rd Saving Account-Holiday Club -Account #025004920124085 120.07 15 M ~ T Bank Account 15004200907276 -Saving Account 17,403.02 Accrued interest on Item 15 through date of death 2.05 16 M 8~ T Bank Account #15004200933718 -Savings Account 23,147.25 Accrued interest on Item 16 through date of death 2.2g 17 M ~ T Bank Checking Account #9833002174 8,378.76 Accrued interest on Item 17 through date of death 0.19 18 Penn National Insurance -Refund of Automobile Insurance 179.00 19 Reimbursement for 2008 Real Estate Taxes -Paid to Stephen Hietsch, Tax Collector 1,200.13 20 1997 Ford Escort Sedan -Sale price-see Bill of Sale 2,200.00 21 Personal Property -Per appraisal by Ibis Appraisal Services (attached) 1,160.00 22 Nationwide Life and Annuity -Contract #07-1095692 15,055.56 - - TOTAL (Also enter on Line 5, Recapitulation) I 70,833.98 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule E (Rev. 6-98) Rev-1510 EX+ (6-98) SCHEDULE G INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY COMMONWEALTH OF PENNSYLVANIA UJHERRANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Roberts, Mary Ellen 21-08-0508 This schedule must be completed and filed 'rf the answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes. ITEM NUMBER D IP I R INCLUDE NAME OF TRANSFEREE, THEIR RELATIONSHIP TO DECEDENT AND THE DATE OF TRANSFER. ATTACH A COPY OF THE DEED FOR REAL ESTATE. DATE OF DEATH VALUE OF ASSET % OF DECD'S INTEREST EXCLUSION (IF APPLICABLE) TAXABLE VALUE 1 Ameriprise Annuity -Account #93007027957 3 128,950.90 100.000 0.00 128,950.90 004 Beneficiary: Jay W. McBride, Sr., Brother 1913 Esther Drive Carlisle, PA 17013 2 Ameriprise Annuity -Account #93007710895 7 48,820.27 100.000 0.00 48,820.27 004 Beneficiary: Jay W. McBride, Sr., Brother 1913 Esther Drive Carlisle, PA 17013 3 Ameriprise Brokerage Account -Account 34,103.00 100.000 0.00 34,103.00 #00019599760 6 021 Beneficiary: Jay W. McBride, Sr., Brother 1913 Esther Drive Carlisle, PA 17013 4 Ameriprise IRA -Account #93107372055 5 004 12,163.02 100.000 0.00 12,163.02 Beneficiary: Jay W. McBride, Sr., Brother 1913 Esther Drive Carlisle, PA 17013 TOTAL (Also enter on Line 7, Recapitulation) 224,037.19 (If more space is needed, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule G (Rev. 6-98) REV-1151 EX+(12.99) gCHEDULE H FUNERAL EXPENSES & COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN ApMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER Roberts, Mary Ellen 21-08-0508 Debts of decedent must be reported on Schedule I. ITEM DESCRIPTION AMOUNT NUMBER q. FUNERAL EXPENSES: B. 1 See continuation schedule(s) attached ADMINISTRATIVE COSTS: Personal Representative's Commissions Social Security Number(s) / EIN Number of Personal Representative(s): Street Address City State Zip Year(s) Commission paid 456.48 2. Attorneys Fees Saidis, Flower & Lindsay 13,500.00 3, Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Claimant Street Address City State Zip Relationship of Claimant to Decedent 4. Probate Fees Register of Wills 417.00 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. Other Administrative Costs 1,996.97 See continuation schedule(s) attached TOTAL (Also enter on line 9, Recapitulation) 16,370.45 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H (Rev. 6-98) Rev-1502 EX+ (6.98) SCHEDULE H-A FUNERAL EXPENSES continued COMMONWEALTH OF PENNSYLVANIA INHERRANCETAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Roberts, Mary Ellen 21-08-0508 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H-A (Rev. 6-98) Rev-1502 EX+ (g.98) COMMONWEALTH OF PENNSYLVANIA WHERRANCE TAX RETURN RESIDENT DECEDENT SCHEDULE H-B7 OTHER ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Roberts, Mary Ellen 21-08-0508 ITEM NUMBER DESCRIPTION AMOUNT 1 634 North Bedford Street, Carlisle, Pennsylvania -Closing costs: Realty Transfer 1,000.00 Taxes $1,000.00 2 Borough of Carlisle -Final water/sewer bill 62.25 3 Cumberland Law Journal -Advertise Estate Notice 75.00 4 Embarq -Telephone bill 51.16 5 Embarq -Telephone bill 51.02 6 Embarq -Telephone bill 51.03 7 Ibis Appraisal Services 120.00 8 PPL Electric Utilities 24.53 9 PPL Electric Utilities 21.44 10 The Sentinel -Advertisement for the Estate Notice Ad #349602 190.54 11 Wolfe & Shearer Appraisal Services -Appraisal for 634 N. Bedford Street 350.00 Subtotal I 1,996.97 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H-87 (Rev. 6-98) Rev-1512 EX+ (6-98) SCHEDULE 1 DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS COMMONWEALTH OF PENNSYLVANIA INHERRANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Roberts, Mary Ellen 21-08-0508 Include unrelmbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Borough of Carlisle -Water/Sewer 62.25 2 Carlisle Regional Medical Center -Emergency room services 50.00 3 Carlisle Regional Medical Center -Patient Account No. 9398302 date of service 250.00 04/06/2008 4 Celtic Living Assistance Services -Caregiver Services 4/1 and 4/2/2008 85.00 5 Comcast Cable 12.91 6 Embarq -Telephone bill 51.04 7 PPL Electric Utilities 21.54 8 Vickery Neurodiagnostics Group, Ltd. -Account #11382 30.00 TOTAL (Also enter on Line 10, Recapitulation) ~ 562.74 (if more space is needed, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule I (Rev. 6-98) REV-1573 EX+ (9-00) SCHEDULE J COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN BE N E F I C 114RI E S RESIDENT DECEDENT ESTATE OF FILE NUMBER rtoaerts, unary then 21-08-05 08 NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY RELATIONSHIP TO DECEDENT SHARE OF ESTATE (Words) AMOUNT OF ESTATE ($$$) Do Not List Trustee s I~ TAXABLE DISTRIBUTIONS [include outright spousal di t ib ti d t f s r u ons an rans ers under Sec. ~116(a)(1.2)] 1 Donna Lee Boyd Friend Four floor 1 Barnity Road lamps Carlisle, PA 17015 2 Donald Brehm Brother-in-Law Bed room suite 4405 Carlisle Road Gardners, PA 17324 3 Terry Hockenberry Daughter-in-Law Music boxes, 2,000.00 513 Sand Park Ridge cedar chest Mount Holly Springs, PA 17065 and $2000 4 Carolyn Lackey Friend Old doll 30 Carter Piace Carlisle, PA 17013 5 Jay W. McBride Jr. Nephew Fifty percent 32,431.46 45 Summerfiled Drive (50%) of the Carlisle, PA 17013 residue. See continuation schedule attached Continuation 356,606.52 Total 391,037.98 Enter dollar amounts for distributions shown above on lines 1 5 through 18, as appropr iate, on Rev 1500 cove r sheet III NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS See continuation schedule(s) attached 400.00 TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET I 400.00 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule J (Rev. 6-98) SCHEDULE J BENEFICIARIES (Part I, Taxable Distributions) ESTATE OF: Mary Ellen Roberts 04/24/2008 174-20-3267 Item Name and Address of Person(s) Share of Estate Amount of Estate Number Receiving Property Relationship (Words) ($$$) 6 Jay W. McBride Sr. 1913 Esther Drive Carlisle, PA 17013 7 Earl F. Reitz 824 Forge Road Carlisle, PA 17013 Brother Residence at 634 355,606.52 North Bedford Street and fifty percent (50%0 of the residue Friend One Thousand Dollars 1,000.00 Total 356,606.52 Rev-7502 EX+(8.98) SCHEDULE .1-IIB CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS COMMONWEALTH OF PENNSYLVANIA continued INHERRANCETAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Roberts, Mary Ellen 21-08-0508 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule J-IIB (Rev. 6-98) .L'AST WILL ANll 'TESTAMENT OF ~ ~ ; . - MARY ELLEN ROBERTS _ ?a ~ ~'~_~ `-' " ~ l7 ],1~ t t r ! - is ~- (~+'1 1 ' i t' ~_ ~. •- , 7 ~Jl ~-1 #,_ I, MARY ELhEN ROBERTS, of the Borough o~^ ~ ~rli~le, `~:c J ~ Cumber? and County, Pennsylvania, being of sound arrc~`-~iispo~ing~'J~ c mind, memory al;d understanding, do hereby make, publisk~.,.,anc~ 1~~~ declare this as a nd for ;ny Last Will and Testament, hereby ravoking all ether ~rlills and Codicils heretofore made, by me. FIRST I direct the payment of my just debts and expenses from my "~ estate as soon after my death as conveniently may be done. SECOND ,;;` ? make the following specific bequests: ~'~--, ?~. All my ;nusi_c~ boxes ~~and the one: cedar chest r!:u.-;,~ by ;:Tiy c';,~~~~a~N;~ j~!~ }sand, Fsi:a..l, a.nd 52, 00!) ~ OG in ca.;h to my daughter-in-law, TEi2RY ROBERTS. B. The bedroom suit (which includes~a chest of MIDIS, GUH)O, SHUFF & MASLAND 26 W. High Street Cazlisle, PA drawers, bedside stand, dresser, dressing table and bench) made by my husband, Bill, to DONALD BREHM. C. The old d:~ll in pos,~~essior, of C.AROLYN LACKEY to Cl-.RCLYN LACKEY . D. Dour (4) bl.a~:}; iron f:loor_ 1.ic~hts to DC?NNA LEE Ll V ~' jZ . '~. `i'he small jelly cupboard to m~* brother, JAY W. bicBR.IDE, SR. THIRD ' AIDIS, GUIDO, SNUFF & MASLAND 26 W. High Street Carlisle, PA I give, devise and bequeath all the rest, residue and remainder of my estate in equal shares unto my brother, JAY W. McBRIDE, SR., my nephew, JAY W. McBRIDE, JR. and my good friend, EARL REITZ, or the survivor of them. FOURTH I direct that any and all inheritance, estate, and transfer taxes imposed upon my estate passing under this Will ar otherwise shall be paid out of the principal of my residuary estate. FIFTH In addition to the powers conferred by law, I authorize any personal representative acting under this instrument, in their absolute discretion: A. To retain in the farm received, or to sell either at public or private sale any real. or personal property; ~. To PvercisA an.y options to subscribe for stocks, bonds, or other investments; C. To join in any plan of lease, mortgage, consolidation, exchange, reorganization or foreclosure of any corporation in which my estate or any trust may hold stocks, bonds or other securities; D. To sell, transfer, convey, mortgage, pledge, lease or exchange any property, real or personal, which at any time may form part of my estate, for the payment of. debts or taxes, or for any purpose of administration or distribution, for such prices and upon such terms as my personal 2 representative, in their sole discretion, may deem wise, and to execute and deliver deeds of conveyance or transfer thereof; E. To make settlements and compromises on such .terms as my personal representative in their sole discretion may deem wise without the necessity of obtaining, any court approval thereof; F. To make distribution hereunder either in cash or kizld, as my personal representative in their discretion may deem wise. SIXTH I do hereby nominate, constitute and appoint JAY W. McBRIDE, JR. and EARL REIT7, to act as co--Executors of this my Last Will and. Testament. SEVENTH I di r'e.^^. t. th.a.~t. nn rarsnnal representative, guardian, .trustee MIDIS, GUIDO, SHUFF & MASLAND 26 W. High Street Carlisle, PA or other fiduciary appointed under this instrument shall be required to give bond far the faithful performazice of their duties in any jurisdiction. IN WITNESS WHEREOF, T, MARY ELLEN ROBERTS, have hereunto set my hand and seal to this my Last Will and Testament, consisting of five (5) typewritten pages, the first two (2) of which bear my signature in the margin for identification, this ~'~~ day of Szptember, 1995. r.}Q ~+ ~/t.. .. ~j4`r 34.E-SJ .. Mari E len Roberts t. 3 - F .. . ,,_ ' ~~. ac ° Signed, sealed, published and declared by the above-named Mary Ellen Roberts, Testatrix, as and for her Last Will and Testament in the presence of us, who have here unto subscribed our names at her request as witnesses thereto, in the presence of said Te ~atrix and of each other. . ~ ~=~" C~, ---~- ~ ~ F~ ~G~x.~-9 ' i ADDRESS , ~4' J``.. } {1~' (` V ~~~Z~b~k~ ~) ~~~ L i~ ADDRE S S i f~ 1! ~ . ~ - ~L'i ~ } i .- ? ~ , , __ ~ , _., COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF CUMBERLAND We, Mary Ellen Roberts, Edward E. Guido and ~ri'~CiC'_. ~'dy~~~ , AIDIS, Gi1ID0, SHUFF & NIASLAND 26 W. High Street Cazlisle, PA the Testatrix and witnesses, respectively whose names are signed to the foregoing or attached instrument, being first duly sworn, do hereby declare to the undersigned authority that the Testatrix signed and executed the .instrument as her Last Will and Testament and t=hat she signed ~n~.i,1.1_i.ngly analthat she executed as her free and voluntary act for the purposes therein expressed, and that each of the witnesses, in the presence and hearing of the Testatrix signed the Will as witnesses and that to the best of their. knowledge the Test=atrix was at the time eighteen (18) or more years of age, of sound mind and under no constraint or undue influence. Marv ~ller~/Rob'~rts Edwa E. Guido, Witness -~n Witness 4 ~.- _ ~-,~~, Subscribed, sworn to and acknowledged before me by Mary Ellen Roberts, the Testatrix, and subscribed to and sworn or ~f affirmed to before me by Edward E. Guido and ~~~~iL. ~~t~~(~ ~.~_ witnesses, this ~~ day. of September, 1995. /~'"`, ~ C t f f i r ~" ~! ~f ~I`otary Pudic ~»~. . H(J7AtiikL ;aE~l, SCF+N L" S%~Il"N, r!G(Rf'ti' I~UA!_IC C~r.Ri"It~Lt: E~Q~iJUt~`f, ClIt1~'s"t'td! aN~ Cq., PA ~ 1ilY CClA~;iSSiCtr ~Pi~w~i itik41:}i 23, ilT98 AIDIS, GUIDO, SHUFF & MASLAND 26 W. High Street Carlisle, PA ~, ,~, CODICIL O F ~"~ ~-' <~ _~ ;=~~ ~ ~ ~. r~=i MARY ELLEN ROBERTS : ~~~ ° ~"'' ~'~ ~-' Mary Ellen Roberts, I the within named __ ~;. m Tes~~x t o i -~-, rri ~ , , ~ ~':i hereby make and publish this Codicil of my Last W'a~~'1 anc~ r`S;=~r°i :~ --~ Testament dated September 1, 1995. ~ FIRST I hereby amend the second provision of said Will to provide as follows: I make the following specific bequests: F. Any and all interest I have in my home at 634 North ,, },;., '°~_ `_~ _~ ww c,~'j~ t_,, '~ ,', ~~ SAIDIS HUFF, FLOWER & LINDSAY to w. [i[gn a[ree[ Carlisle, PA Bedford Street to my brot~ier, Jay W. McBride, Sr., and if he does not survive me by thirty 130) days then to my nephew Jl~r V~?.. McBride, Jr. G. The sum of One Thousand ($1,000.00) Dollars to my friend Earl Reitz. H. The sum of Four Hundred ($400.00) Dollars to the Union Fire Company. SECOND T_ hereby amend the third provision of said Will to provide as follows: I give, devise and bequeath all the rest, residue and remainder of my estate in equal share unto my brother, Jay W. 1 .. t .. ~ ., :.~~~. `~` McBride, Sr. and my nephew Jay W. McBride, Jr., or the survivor of them. THIRD I hereby amend the sixth provision of said Will to provide as follows: I hereby nominate, constitute and appoint Jay W. McBride, Jr. to act as Executor of this my Last Will and Testament. In the event that he is unable or unwilling to act, then I appoint my daughter in law, Terry Roberts as Executrix: I also direct that my friends June PIe11er and Pat Hummel be consulted to assist my Executor in going through my personal effects. FOURTH In all other respects I hereby ratify, confirm and republish my Last Will dated September 1, 1995, together with this sole Codicil as and for my Last Will. IN WITNESS WHEREOF, I, Mary Ellen Roberts, have hereunto SAIDIS HUFF, FLOWER .,.,nom ~.~ 26 W. High Street Carlisle, PA set my hand and seal to phis Codicil to my Last Will and ~j Testament this f ~~~'-"_ day of (~'~= ~irlre"n_. 201 M,ry Ellen Roberts 2 Signed, sealed, published and declared by the above-named Testatrix, as and for a Codicil to her Last Will and Testament in the presence of us, who have hereunto subscribed our names at her request as witnesses, thereto, in the presence of said Testatrix and of eac~i other. ~ lr `~' ' f -~-/ _., ~; ADDRESS .~~>> .~L~{7.5~ ~- l~r^C- r ~ .~ ~-' ///~ j,t ~ ~ i ,. ~`` ~'~~ ADDRESS -~ ? "~~'~- `~ l .r ~- ~r ~ c~r~ COMMONWEALTH OF PENNSYLVANIA COUi3TY ~ OF CUMBERLAND We, Mary Ell n Robe,-~ts, C.~1 ~~~r'~1'1C~. ~ - ~C~ t -:_t" and ) ~=;/-~~`;t 1.5. ~~--~f~~'~~'Cii, ~~_'~ Testatrix and witnesses, resp ctively whose names are signed to the foregoing or attached instrument, being first duly sworn, do Hereby declare to the undersigned aut~~ority that the Testatrix signed and executed the instrument as her Codicil and that she signed willingly and that she executed as her free and voluntary. act for the purposes therein expressed, and that each of the witnesses, in the presence and hearing of the Testatrix sigzled the Codicil as witness and that to the best of their knowledge the Testatrix. was at the time 18 or more years of age, of sound mind and under no constraint or undue influence. Ma y Ellen Roberts ~ ~"~ tness ,IDIS FLOWER [VDSAY iYS•AT•LAW {igh Street isle, PA Witness Subscribed, sworn to and acknowledged before me by Mary Ellen Roberts, the Testatrix, and subscribed to and savor or affirm to before me by __T>)lrtirir'~ ~)~ ~~; ~E'C''..i , and ~`GtC' ~ ~ „~?~ witnesses, this /`C=~~ day of ~" ~~~~'~~r~.~ 20 (~j1_, + r i k. 1 1 t' r(~ ... ~~ ~} l 1 J 1{ i~ s .5 i ~d ~U O t t p' ...._,.l~ h _.. .. ~'.t~~~ 'C; 'r z ;~_~, r ~,~, , 3 ,,, _~y,,u l~Y.Y4 ..r.. Y i.~.,..,.1 L... WWCW WOLFS & SHEARER APPRAISAL SERVICES Roberts " File No. 08-051 APPRAISAL OF ~ ,, -, , fi I .- , , , =~~ a , -iijQ.. ,'~' _ ~l___-_.-._-__-_-. ---_..___ -.__.___ ..-_______ SUMMARY APPRAISAL REPOR ~ LOCATED A7: 634 North Bedford Street Carlisle, PA '17013 FOR: Estate of Mary Ellen Roberts 45 Summertield Drive Carlisle, PA 17015 BORROWER: N/A AS OF: April 24, 2008 (Date of death) BY: Larry W. Slusser, Certified Residential Appraiser CertiFled Residential Appraiser WOLFE & SFIEARER APPRAISAL SERVICES Roberts June 27, 2008 Jay W. McBride, Jr. Mr. Jay W. McBride, Jr. Estate of Mary Ellen Roberts 45 Summerfield Drive Carlisle, PA 17015 File Number: 08-051 Dear Mr. McBride: In accordance with your request, I have appraised the real property at: 634 North Bedford Street Carlisle, PA 17013 The purpose of this appraisal is to develop an opinion of the defined value of the subject property, as improved. The property rights appraised are the fee simple interest in the site and improvements. in my opinion, the market value of the property as of April 24, 2008 Is: ~103,000 One Hundred Three Thousand Dollars The attached report contains khe description, analysis and supportive data for the concluslogs, fiaa! opinion of va{ue, descriptive photographs, assignment conJitions and appropriate certifications. Respectfully, i ~ .~' ~~f~~ Larry W. Slusser, Certified Residential Appraiser Certified Residential Appraiser RL 000802-L. PA 1:.!t-. ~ I ~, Sum rn ary Roberts Residential Appraisal Report FIIeNo. OS-051 The purpose of this' appraisal rapart is Io provide the clieN with a credible opinion of the defined value of the subject properly, ylven the Intended use of the appraisal. Clianl Name/Intended user Estate of Mary Ellen Roberts ___._._ _ E--mail _ ___ _,_ • Client Address c,'o J~W..McBride, Jr,45 Summerfield Drive __ ~ Carllale__ ,__. ___ state PA zl 17015 Additional Intended user(s) James D. Flower, Esquire, SAIDIS FLOWER 8 LINDSAY, 26 West Iii~Street_Carlisle Pennsylvania 17013 Intended use Estimate Retrospective Market Value as Df the date of death, A ril 24, 2008 __ Pro er Address 634 North Bedford Street _ City Carlisle __._ state PA zip Owner Gf Public Rewrd Mary Ellen Roberts _ ___ Coun Cumberland Legal Description Cumberland County Deed Book 33 Volume Y_ Page 492„ _ ___ __._ " Assessor's Parcel p 02-20-1800-053 Tax Year 2007-2008 RE. Taxes $ 2 124.33 Nei hborheod Name Carlisle borough First Ward ____Map R ternce ADC Map 16: A-7 CansusTract 3240-0121.00 PrOPaN Ri hts raised X Fce Sim le _ Leasehold_~Ofhar (describe) n/a _,~,__ ___ M research did X did not reveal an rior sales or Kansfers of the suh'ect mart far Ilia three years prior la the effective date Of this appral5al. Pnorsalaliransrer: Date May 17, 1989 Price $28,750__ ._ sourw(si Ctunbe,rland County Deed Book 33 Volume Y Pa 'e 492 A~,alys~s of prior sale er sanster history cr ma sahiecr propdrry (and conipdiadld sales, irappiicaule) The sub~ect ml )art last sold or transfered to Ma Ellen Roberts on Mrs 17, 199 for a consideration of $28,750.. _________ _______ Offerings, options and contracts as of the effective date of the appraisal None Known - ..,. :. `Nergl"ih'siiha'od-Chataderl5tics ~ti8t r'~"'r , _.q=. . One•Dnik Housing Trends -`` - .`. `f One~nft~'c,;„_ng . ~...: '...,. .. ... s°....._. ~.r... ae... f ors. ai Urban X ~ U Than Rural _ Propel ly Values X Inn easmr ~tahle Uai.liniil~_ PRICE AGE Onfl-UNt Fib % Hwlr U X Ovzr 7.i % 25 75°__ Under 25°l CemandlSu I shurta- e X I I Balance Over Su ~ I $ DOt) rs 2-0 Unit 10 % Growth Ra id __ X Stable Slow Markenn Tinle Under 3 nrihs X 3~6 ndhs Over 6 rnths 70 Low S MUIfI•Famll 10 % • Nalghhorhood Boundaries See Attached Addendum _ _ _ 200 Hi h 100+ commercial 10 % __ _ __ __ __ _ __ _ ! 80 Peed 75+ ether Misc. 2 % _ ' Pleiyhhorhocd Oesviplion See Attached Addendum _ _~_ - Marke[ Conditions (Including support far the above conclusions) County tax reGOYdS and MLS StatIStICS SNOW aces to be inoreasin .The MLS shows that the typical marketing time for the area is three to six months. Mortgage funds are reedit available with conventional loans bein 5.25°~o to 6.25°l. Interest, fixed 30 year, 95 % mortgage with up to three ~oinls. Sellers are not re wired to offer sales or financin _. -- - - uoncessions bu[ some seller assistance is occurring _ _ Dimensions 39' (f) X 110' X 39.9' X 102.5' Area 0.10 Acre shape_Rectanc ular Vlew Avera a Street s ecific 2onin Classiticafion R-5 zoning Description Traditlonaf Residential __ _ _ Zonln Com Rance X Le al Leyal Nonconforming (Grandfathered Ilse) _ No Zoniny Illegal (describe) n/a Is the highest and bast. use of the subject prope,ty as improved (or as proposed per plans and speciflcaliorts) Ilia present usu'7 X YeS No It NG, describe. n/a Utilltie5 Puhllc Other describe) _ Puhllc Other (descrlhe) Of(•slte Impravemnnts-T7/ a Puhlte Prlvatn Elecaici X wafer X _ street Paved macadam X Gas _ X Available Sanitary Sewer X ~ Alle Earth X ____ site comments The utilities and off-site improvements are typical far the market area. There are no adverse site conditions or external factors. ~'~ "GENERAC~D~ESCRIP7fON~'`t~~~ ~ ~~r-~FOUN~A71~pN~" '~' EXfERIORbESCRIPTIoN ''ma~erla~s~~~ ~fTER R,..,..,..~~,,...!neee ~:= Units ,_ X One Una wnh Access; Unlt Concrete Slab_ Gowl 5 gee ___ Fuundehon Wails _ Sl0_n8 Floors WOOd,C f.,lamin N of Stories I.5 S1Gf1eS H-SCOT - X Full Basement Partial Basement Exterior Walls E3rlck, Vln I, alumn watts ~ Plaster, aneiin T~ e X Dat. AIL S-DeLlEndlJnil BasementAtea 7285 ---- RoofSur(dce COm .Shan I@ TrIMFinish WOOd~5t81n, alnt X Exislin Pro posed tinder Const. ,_, Basement Finish 0 / _,_ Gutters ri DUwns,auts Yes -metal Bath Floor Laminate Design (style) 1 .5 Sto~__ _ Outside Entr IExi[ _ Sun, PwTr~_ _ Window Tye, DFI and casement Bath Wainscot Marlife 'tear Built 1922 __ _ _ ___ _ ~ Stonn sashlln sue(ed Storm sa9h Car Stwa a Nona Effective A e Yrs 30-40 ears __ _ _ Screens Yes X Drlvewa # of Cars 4 Attic _ None ~ Heath X FWA HWBB Radiant Amenities WoodStova s~# Drlvewa surface Macadam fro Stair ~ Stairs __ Other __ FuelOfl _ _ _ __ X Fire laces If 1 X Fence X Gara a #ofCars 1 Floor X Soule ___ Conlin Central Air CorWitionin Polio/Deck J X Porch TWO Car ort # of Cars Finished Heated Individual Ulher Pool Other Att. X Det. Built-In A liances X Re(ri erator X Ran elOven Dishwasher Dis osal Microwave WashedDl er Olher(descrlbe) None Finished -urea above grade contains- _ 6 Roams 3 Bedrooms __ 1.5 Bath(s) 1 342 Square Feet of Grass Lfvln Prea Above Gade ' Additional Fsawras Qetached garage is 10' X 23' (vinyl side with 1 overhead door, electric service is 100 AMP circuit breakers, 50 anon electric water heater craw space under first level powder room, screened front gorcft_enclosed rear orch and a 6' X 8' ortable wood - - - storage shed. comments on the Improvements The subject dwelling exterior condition is average and the interior condition is fair. The bathroom owder room and kitchen are dated and are in fair condition. The construction uq allty is_tyLcal,For the neighborhood. The estimated effective age is 30 to 40~ears due to deferred maintenance on the Interior of the subject. The Iivintt roam and dinin room floor are in need of repair. The floor t'a covered with carpet and this appraiser could nut see the actual dam ace. A structural certification is su ested. ~rar P,al„~d,~,m nci,.,m„a,amovaemw.w..~w.n~o„ n,ieiamcapnpmeaoassWCaciomamalso Wlmf Page I of 1 (GPARa) Ganaal Pwpoaa ADPralaal Reaorl 1711005 GPMI e904rTHge 9 , a ~ vl' ~+~ ~ ii. r. 1 , Summary Roberts Residential Appraisal Report FfYaNo. Ofi-051 SUBJECT , __ FEATURE ___ COMPARABLE SALE N0. 1 _ _ -_ _ COMPARABLE SALE N0.2 ~ COMPARABLE SALE N0.3 _ 634 North Bedford Street Address Carlisle, Penns Ivania 17013 840 North Pitt Street Carlisle, Pennsylvania 17013 __ 902 North West Street Carlisle, Penns I~vania 17013 617 North East Street Carlisle, Penns Ivania17013 Proximity m sadiact 0.42 miles NW ___.__- 0,53 miles WN 0.04 miles SSE salz Pncz __ Selz PricelCYOSS Lrv Area $.__ _----- $ 0.00 sq ft. 70.75 sq n 113 900 $ _ ~-- $ 141 900 $ 1 10.86 ~rl n ~y $~ - ~ 6 500 $ i6 $ 84.60 s . n. Daly source s) Court House Rea MLS, Exterior Inspection and _ N1LS, Exterior InS~]L'C(ion and MLS, Exterior !ns ection and _ yenncation source(s) - Ins ection Court House Records _ Court House. Records ~_ _- Court House Records VAIUEADdUS1MEPITS DESCRIPTION OESCR{PTION _ ~(~)3Adluslniem . _ DE9GRIPIION ._ y~)gAhluslmant DESCRIPTION +(-)SAAN~Imenl sale or Financing conceasians tJ/A ':N/A Conv. Financing Seller Assist _,_,_ -3,417 Conv. Financing No Concessions Conv. Financing No Concessions DataotSalzriime `N(A 4111I07.DOM6_ _ ___ 1,700 2126(08DOM120 _ 3/28/OSDOM189 Locauun ~ Av .-Suburban Av .-Suburban Avg.-Suburban _ Av :Suburban Leasehow/Fea simple Fee Sim le _ Fee Sim le ___ __ ____ Fee Sirn~_____ Fee Sim le site 0.10 Acre 0.21 Acre _ 2,000 0.15 Acre - -1,000 0.10 Acre ---- -- yiew _. _ Avers e Street Avera e Street ___` _Avera e Street _ _ Avera e Street Desi n 5 le 1_5 S tar Similar Similar Similar ouali or construction _ _ Avera e _ Avera e _^_ __ ____ ___ _ _ _ _ Average _ Avera e Actual Agz 86 Years 68 Years 86 Years 80 Years Condition Falr Fair Good -25,000 Good -25 D00 Above Grade Total e0 ma aaln9 I'ulal tla u _ gam _ I I I Btl i s t1 n Total Bdrm~. Belha Room Count 6 3 - 1.5 -- 6 4 2 -~ 1,000 _ 6 33 2 x1,000 7 3 2 -1000 GussLrvingArea __ __1,342 sg tt. _1,610 sg n . ___ 4,020 _ _ 1,280~n. - 1 968 s .n. -9,390 BasernentaFinishzd • RoomseelowGrade Basemen[ Unfinished Basement Unfinished _ _ Basement Unfinished ____ Basement Unfinished functional Utility Avera e _ Avera e ___ ____ ____ Average __ _ Avera e - rieatinlCoolin _ FWA/None FWA/None _ _ ~ FWA/Cent. Alr -3,000 HWICent.Air -3000 Ener ~ Efficient Itzrns T ical _ TYpit:al __ _ _ ~ical T ICeI Garayercarport 1- Car Gary e 2-Car Gary e ____ 4,000 2-Car Garage_ -4,000 2-Car Gara e -4 000 PorcnlPatiolDzck ----- Porch, E-Porch Porch, balcony _`___ _ __ 2-Porches, balco -1,000 2-Porches Fireplace 1-Fireplace None 2,000 1-Fire IL, ace __ None 2,000 _ Other None None _ _ None None Exterior _ Brick,Vln I, Alum - Brick Wood, Stuu.o 4,OOD Brick NatAdlustmznt(Totaq - r _ X - - -- $ ____ 10 737 r X -- y_ ___ 31,000 + X - $ 40 39D Adjus[zJ Sole Price ut Corn aromas - Net Adj. -9.4 % Gross FW . 15.9;6 $ 1D3 163 Net Adj. -21 .8'ih Gross Ad. 27.5% _ $ 110 900 Net AdJ. -24.3 Gross Pd, 26.7% $ 126 110 Suns tmary of Sales comparison Approacn After a [horouUh search ofi all available data, the_corrr~rables chosen were considered the best available. Adjustments were made to reflect substantial differences between the comparable pro ernes and the sub'eet. These line adjustments are not market-extracted due to a lack of adequatae market data and are largely sub'ective in nature herein. Size adjustment for Gross Living Area above grade made at $15 er sc uare foot of difference. The ad ustments that were made reflect the typical actions of buyers and sellers in the market Ip ace. All comparable sales are verified closed saes and are located within the same marketing area. T_he sales after adjustments establish a range of value for the subject._The ran e of value bein $103,000 to $126,000. The must weigh[ was placed on Comparable number 1_as It compares best in condition. - -- COSTAPPROACH70VALUE ~' ~`~ ~ ~ -- ~- v-+'~~y~. sits Value Comments n/a -' ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW - OPINION OF SITE VALUE..__ ..................................._ $ n(a - Source or cost date rile • Dwelling 1,342 Sq.F~$ ..........._ $ 0 Ouali ratio hom cost service _ n/a Effective data of cost data n/a _ BSmf: 7.28 ~.Ft._ _ _ Sq. Ft @ $ ... , , ....... _ $ D Comments on Cost Approach rosy living area calculations, depreciation etc.) The Cost Approach will generally result in an excellent estimate of -- Gera9elcarport s Ft $ ...,....... _ $ ---- • value if the building is new or reasonably new and the Total Estimate at Cast-New ....... _ $~ D improvements reflect the highest and best use of the land. Less Physical Functional External However, when items of physical depreciation muss be estimated, Dz faciation _ $ p an area of'ud ement is involved which is sublect to error. The _ _ - - _ __ _- DepreciatedCustotlm ravanlents..,,,, ......_ $ D --- Cost Approach was not utilized due to the age and condilion__ °As-is"velueof site hn rovements,. ...... _ $ ------ ---- --- --- -- INDICATED VALUE BY COST APPROACH ...................... _ $ rile INCOME APPROACH-fOVALUE ~ `" ~""'1a"~. .,,_ Eslimalzd Monthly tvlai ket Rznl $ n/a X Gmss Rent MulQplier rile ='5 n/a Lldlcalad Value by Income Approach • summary onncomz Approach (inauding support ror market renr and GRM) Due to the subject being a single farnilydwelling and the lack of rental data the Income Approach was considered inappropriate and not utilized. Indicated Value ~: Sales Comparison Approach E 1 O3 OOO _ Cast Approach developed) 5 n/a Income A roach It develo ed 5 n/a The Sales Comparison Approach to value generally indicates the best value for the subjet.~ro art The Cost A roach to Value and the Income Approach were considered but are not appropriate for this ap rp aisal.___ . __ _ _ This appraisal is made XQ"as is;' suhject to completion per plans and specifications on the basis Gf a hypothetical condition that the Improvements have been completed, ^suhject to the foNowing repairs or alterations on the basis of e hypothetical condition that the repairs or alterations have been completed ^sublect to the following: eased on the 5 opa o(work, assw»ptio 5, limitioy wndiuon~ and apprai er ertie.:attor>, my (o .r) opio,on of the defined value of the real property '.. c n ac r that is the subject of this report is $ 103,000 _._ _ as of April 24_ 2008 (Date. ofdeath~ _ _ _, which is the effective date or this appraisal. - ww~~mu ~m~~~nn,wwa~~. nuu la, erar www+~~.~u win mm iu,~, cuppi~w 7aa94ao9 nclcmlamdlso cLUn. servra Ma, ax npm~awn.a. spar M P°Ja [ ~I2 (GPAR^') Genmal Purpax Appralaal Report 17/4005 GPAR1001 0801117009 =,~.,aw,„~.~-~.~,.,.~.,~..~~.~.~,. Wolfe & Shearer Realtors Borrower. N/A ------- -- __-----__-_------_._--__-- _._-- File No.: 08-051 Property Address: 634 North Bedford Street ___, _____. ___. _____ _ _ _ Case No.: Roberts City: Carlisle __ _____-____-_____ ___ State: pA_ Zip: 97013 Lender. Estate of Mary Ellen Roberts Neighborhood Boundaries The subject neighborhood is bounded on the North by Henderson Street, on the East by Letort Spring, on the South by East North Street and on the West by North Bedford Street. The neighborhood is residential in nature. Neighborhood Description The subject is located in the First Ward of the Carlisle Borough. Schools, shopping, employment, recreation and houses of worship are all within walking ar a short driving distance of the subject property. Average property maintenance programs were observed. Employment stat~iliry is good due to the State Capitol in Harrisburg, the Army Supply Depot in New Cumberland and the Naval Supply Depot in Mechanicsburg. The single largest employer in Cumberland County is the Federal Government- Steady price increases and MLS statistics show a goad demand for the area. hauenaum rage ~ or i Roberts File No. OB-051 Scope of Work, Assumptions and Limiting Conditions Scope of work is defined in the Uniform Standards of Professional Appraisal Practice as "the type and extent of research and analyses in an assignment" In short, scope of work is simply what the appraiser did and did not do during the course of the assignment. It includes, but is not limited to: the extent to which the property is identified and inspected, the type and extent of data researched, the type and flxtent Gt analyses applied to arrive at opinions or conciu5ions. The scope of this appraisal and ensuing discussion in this report are specific to the needs of the client, other identified intended users and to the intended use o(the report. This report was prepared for the sole and exclusive use of the client and other identified intended users for the identified intended use and i[s use by any other parties is prohibited. The appraiser is nut repoo nsibie for un authorized use of the report. The appraiser's certification appearing in this appraisal report is subject to the following conditions and to such other specific eondltlon5 as are set forth by the appraiser in the report. All extraordinary assumptions and hypothetical condilimrs are stated in the report and might have affected the assignment results. 1. The appraiser assumes nG responsibility for matters of a legal nature affecting the property appraised Gr title thereto, nor does the appralser render any oplnlon es to the iltle, Which Is assumed to bz good and marketable. Tha property is appraised as (hough under responsible ownership 2. My sketch in tt~,is report may show approximate dimensions and is included only to assist the reader in visuaf¢ing the property. The appraiser has made no survey of the propefly. 3. The appraiser is na[ requred to give testimony or appear in court because nl having made the appraisal with reference to Ole property In question, unless arrangements have been prevloualy made thereto. 4. Neither all, nor any part of the content of this report, copy or other media thereof (Inciudiny conclusions as to the property value, the Identity of the appralser, professional designetlon9, or the firm with which the appraiser is connected), shall bz used for any purposes by anyonz but the client and other intended users as identified In flits report, nor shel4 It be conveyed by anyone to the public through advertising, public relatiaus, news, sales, or other media, without file written cunsznl of the appraiser. 5. The appraiser will not disclose the contents of this appraisal report unless required by apphcahle law or as specified In the Uniform Standards of Professlonel Appraisal Practlce. 6. Information, estimates, and opinions furnished to !ha appraiser, and contained in the report, ware obtained Gam sourczs considered reliable and believed to be Vue and correct. However, no responsihlliry for accuracy of such items furnished [e the appraiser is assumed by the appraiser. 7. Tha appraiser assumes that (hare are na hiddzn or dnepparant condiilons of the property, subsoil, or structures, which would render it mare or lees valuable. Tha appralser assumes no rasponsiuiliy for such conditions, or for engineering or testing, which might he required !u disraver such feulors'- 1 his appraisal is noI an environmental assessment of the property and should nut he considered ea such. tl. The appraiser specializes in the valuation of real property and Is not a home inspector, building contractor, structural engineer, or similar expert, unless otherwise noted. The appralser did not wnduct the intensive Iype of field observations of the kind intended to seek and discover property defects. The viewing of the property and any Improvements Is for purposes of daveloping an opinion of the defined value of Ilse property, given the intended use of this assigmnent 5latdmenls regarding condition are teased on surface ohsarvatlons only. The appraiser claims no special expertise regarding issues including, bu! nut Ilmited lo. foundation seltlenlenl, hasarnent moiehue problems, wood destroying (or other) Insects, pest Infastatlon, radon gas, lead based paint, mold cr environmental issues. Unless otherwise Indlcatud, mechadmal systems wore out achvafed or tested This appraisal report should not ire used !o disclose the condition of the property as it relates to lha preseucelabsence of defects, The dlent iS invited and encouraged to employ qualified experts to inspect and address areas of concern. If negative conditions are discovered, lha opinion of value miry be ehected- Unless otherwise noted, the appraiser assumes the components that constitute the subject property improvement(s) are fundamentally sound and In working order. Any weaving of lha property by the appraiser was limited to readily ohservehle areas Unless otherwise noted, attics and crawl space areas were not accessed. The appralser did not move furniture, floor coverings or other items that may restrict the viewing of the property. 9. Appraisals Involving hypo(hetlcal conditions related to completion of new construction, repairs or alteration are based on the assumption that such complatlon, aitaratlon or repairs will be campetzntly performed. t0. Unless the intended use of Ihls appraisal specifically includes issues of property hfsurance coverage, this appraisal should not be used for such purposes. Raproducdon or Replacement cast figures used in the cost approach are for valuation purposes only, given Ilia inlcnded use of the assiynrnenl. The Defnition of Value used in this assignmentls unlikely !o ba consistent wdh the Uefinilion of hrsurahle Value far property Insuranw cuverayeluse. 11. The ACI General Purpose Appraisal Report (GPAR'"j is not intended for use in transactions that require a Fannie Mae 10g41Freddla Mac TO form, also known as the Uniform Residential Appraisal Report (URAR). Additional Comments Related To Scope Ot Work, Assumptions and Limiting Condi4ons produced uslnV ACI software. 990.134 9111 www aclwah w,n TIAY lam Cnpyr19h1 a 700S700B ACI Dlvhlm N 190 Chlms 9arvrus, Inc, NI Rlphle Reewed. c~par (GPAR^') General Pwpaae Apprelaal Report 1712005 oPARLI Ob 0rI1aw9 Roberts File No. 08-051 Appraiser's Certification The appraiser(si certifies that, to the best of the appraiser's knowledge and belief: 1. Tha statements of fact contained in this rapor! are hue and covet!. 2. The reported analyses, opinions, and conclusions are limited only by the reported assumptions' and limiting conditions and are the personal, lmpartlal, and unblasad ptolasslonel analyses, opinions, and conclusions. 3. Unless otherwise stated, the eppralsar has no present or prospective interest in the property the! is the subject of this report and has no personal Interest Wlth fespact to the parties involved 4. The appraiser has no bias with respect to the property that is the subject of this rapor! or tG the parties involved with this assignment. 5. The appraiser's engagement In ihls assignment was net contingent upon developing or reporting predetermined results'. 6. The appraiser's compensation for completing this assignment is not contingent upon the daveloprnent or reporting of a predefermined value or direction In value thatfavG[s the cause of Ina client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subseyuenl event directly related to the Intended use of this appraisal. 7. The appraiser's analyses, opinions, and conclusions were developed, and !fits report has been prepared, in confonnlfy with the Uniform Standards of Professional Appraisal Practice. 8. Unless otnarwisa noted, the appraiser has made a personal inspection of the property that is the subject of Ihls report. 9. Unless noted GaIGw, no one provided significant real property appraisal assistance to the appraiser signing this certlticalion. Significant reel property appraisal assistance prGYlded hy; Additional Certifications: Definition of Value: ^X Market Value Other Value: source of Definiuon: Fannie Mae Form 1004 March 2005 _ _ _ _ _ The most probable price which a property should bring in a competitive and open market under air conditions requlslte to a fair sale, the buyer and seller, each acting prudently, knowledgeable and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and passln~ of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated, (2) both parties are well inronned or welt advised, and each acting in what he or she consideres his or her own hest Interest; (3) a reasonable time is allowed far exposure in the open market; (4) payment is made in terms of cash In U.S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions granted by anyone associated with the sale. ADDRESS OF THE PROPERTY APPRAISED. 634 North Bedford Street __ _ Carlisle PA 17013 _ EFFECTIVE DATE OF THE APPRAISAL: April 24 2008 __ APPRAISED VALUE DF THE SUHJEC7 PROPERTY $ 103, 000 APPRAISER SUPERVISORY APPRAISER l ~r /f~/ Signature:, J~~~ /f~ -~ `-4~ _JJ Signaure: _ Name: Larru-Vrl. Slusser~Certified Residential Appraisef _,-_ Namz ,._____,.___ _ __-- Stale Car tincation N RL-000802-L PA Stale Cerlilicatiun # or License # ar Llcznse li or Other (describe): Slate N: Sia[e. _ _ _ _ Stale: PEMSyIVanla Exp7ra Gan Date of Gerllhcation ar License: Expiration Date of Certification or License. June 30, 2409 Uate ul Signature: _, Date of Signature and Report: June 27 2008 _ __ _ _ _____~___ Date of Property Viewing. ____ Date of Properly Viewing: April 24 2008 (Date of doath) Oagrae or property ~iewiny Degree of property Vlerving: (~ ^ Interior and Exterior ^ Exterior Only ^ Did not personally view a Interior and Exterior ^Exterior Only U Did not personally view ~Parn ww~aa~elnyAa~vnw~ramaxsnsrzrwww~:f»ns~~„ Tmsi«m cvprngmososo-2aaacionlrianolisocum.,s.n1a.,Irw alRpnaAarerv~a. (GPAA"'}Ganorel Purpa~e Appralaal fteyyat 17/POaS aPARLIM_Ob Od1i~W9 a~,,.r~h;,~~,.~ ~,~, ,.., ~ Wolfe & Shearer Realtors FLOORPLAN File No.: 08-051 --_ -- --- pRAWING NOT TO SCALE rH Furth SN7.flIUSk - °TaiAL fur WinpaW~" ~ppmisof 3ullWale ~y d W Vl~ude, Iflu, - 1-B00-ALAMOOE SUBJECT PROPERTY PHOTO ADDENDUM ~~„~..~,. ~~~~ FileNo.: OS-051 Property Address: 634 North Bedford Street -- - --- --- . ---- _ Case No.: Roberts City: Carlisle Sfafe PA Zlp' 17013 ----- Lender: Estate of Mary Ellen Roberts FRONT VIEW OF SUBJECT PROPERTY Appraised Date:April 24, 2008 Appraised Value: $103,000 REAR VIEW OF SUBJECT PROPERTY STREET SCENE Property Address: 634 North Bedford Street _ . __ __ __ Case No.: Roberts --- City: Carlisle Stale: PA Zlp' 17013 Lender; Estate of Mary Ellen Roberts _-` SUBJECT FRONT Showing detached Garage SUBJECT DETACHED GARAGE FRONT LOCATION MAP Borrower: N!A File No.: 08-051 ~ Property Address: 634 North Bedford Street Case No.: Roberts -- -------- ----------- City: Carlisle _ State: PA Zlp: 17013 Lender: Estate of Ma' Ellen Roberts Wtuoa mie~omn coq ®2iJU ,'NiviEp I ona(ur role Gms, In< i ~ COMPARABLE SALE #1 840 North Pitt Street Carlisle, Pennsylvania 17013 Sale Date: 4111/07-DOM 6 Sale Price: $ 113,900 COMPARABLE SALE #2 902 North West Street Carlisle, Pennsylvania 17013 Sale Date: 2/26/08DOM120 Sale Price: $ 141,900 COMPARABLE SALE #3 617 North East Street Carlisle, Pennsylvania 17013 Sale Date: 3/28/OSDOM189 Sale Price: $ 166,500 COMPARABLE PROPERTY PHOTO ADDENDUM " Y Settlement Statement ~tl~ U.S. DeLlartlTlent of Housing and Urban Development OPAL Apt,roval No. 2502-0265 (expires 11/30/2009) .. r- -• -- --- - _.- - - -. ^FHA 2 0"frIHA 3 []Conv Un1ns 6, Flle Number ! Loan rlund cr 8. Mortgage Insurance Cese Numher ^VA 5. n ~onv Ins. MT2008 102GFD _ "" -Tors mfm I5 urns Ie ~rve you a sralemenror ac ua se emen cos s, o ~ p it -and by h Ilfinenl 9 I are shown rl r: Iles r a rp r r e pawn I ~w2 u,a ems g a ey ara I„ nere m I I r n, i~~ I 1 a~, I I I I I ~~I n n,e mlale, TIIIeExpress Selllement System N/AR11FI( '. I is a Lrllne Anaflil Jly ilahe lake s I ~ cols Il'1 I u led tile/ I ~ I I Iai i_illu' ~]nn _ ~onr ~i~u r cur liclude a line and Imp Isonlnznl hard rails see. Tlllz IB rl. S. ~ ids o.~d~ I Ifn I dl I ~:i.ll~ n lu I 1 1. NAME OF BORROWER: Nathan B. Stoner ADDRESS: _. NAME OF SELLER; The Estate of Mary Ellen Roberts ADDRESS: _. NAME OF LENDER: Cornerstone Federal Credit Union 5 East Gate Drive Carlisle PA 17015 _ ADDRESS: _ 3. PROPERTY ADDRESS: 634 North Bedford Street, Carlisle, PA 17013 Carlisle Borough H SETTLEMENT AC ENT: Abstract Company of Central PA, Inc., Telephone: 717-243-6227_ Fax: 717.243.6486 _ PLACE OF SEfTLEMEN f: _ 26 West High Street_Carlisle, PA 17013 _ LSET_TLEMENTDATE: 08/29/2008 __ _ J. SUMMARY OF BORROWER'S TRANSACTION: K, SUMMARY OF SELLER'S TRANSACTION: 100. GROSS AMOUNT DUE FROM BORROWER 400. GROSS ANlOUfU DUE TO SELLER lu I Contract stiles rp ice . _._ IOO,D00 00 10 L t;anll II I s duo Lee 100 000.00 -- --- - 102. Personal Pr~acerty _ _. __-- --_ 102. Nersmlal Prosy - ------- 103. Seillemen( charges to borrower (line 1400) 2 590.88 403. 104. 404. .105. --- ---- -_ -------- - -- d05. __ _ ______ Adjustments for items old b~ seller In advance _ _ _ _ __ Adustments for Items old b seller In advance toe SchaalTdxes __081291081006130109 1 200.13 408, Sl:haullaxes 08/29108(006130/09 1 20D.13 _1U9 ______-- ______ _ _ 4u9, 110. -- --------~--- -- -_ _ - -- 4 111. - i (I. _ 411 112T 412. 120. GROSS AM_GUNT DUE FROM BORROWER _ 103,_791.01_ _ _420. GROSS AMOUfdT DUE TO SELLER 101 200.13 _200. AMOUNTS PAID BY OR ON BEHALF OF BORROWER 500. REDUCTIONS IhJ AMOUNT DUE TO 5ELLER _ 2U I. Deposit or earnest money ____ ___ _ _ 1 000.00 _ _501. E!zre I IL~gsll (see inslruclions ~ ~ 1 000.00 202 _Pnncipal amount of new loans 95,000.00_ _502. Selllerr~enl chelrycs to seller IIne,1400 1 062.25 203 Exisllno loan(s) taken sublecl to _ ___ _ __ _ -- 5(13. Lxis(I~loan~sJ /alien sub'ecl to - z04 --- - ---------------- ___ - - - . _ 504,- Pa~rull ul 1 irsl Muria e Loan - -- 205 5os, 206. - - -- 207. - ------- 507, 208. -- --- -- ----- - 508. 209. 509, -.._- ______Adjustments for items unpaid seller Ad ustments for Items un old b seller 213 -- ---- - ._. _ 513, -- - - 2 14. ----- -.. _ - 514, 215. ----- ---------.---- 515, 216, --- --- ----- -- -- 516. _217. ----- ---------- _ - ----- -- -- 517 - 218. -------- -- -- ------ __ . --- 518, -. _ 219- _._ - - 519. 220. TOTAL PAID BYIFOR BORROWER _ .96000.00 520. TOTAL REDUCTION AMOUNT DUE SELLER 2 062.25 300. CASH AT SETTLEMENT FROM OR TO BORROWER 600. CASH AT SETTLEMENT TO OR FROM SELLER _ Sul Gres; emoun; due Iron borrower (line 120) _ __ 103 791.01 - -- - --- d01 __ Gras amount ~1ua to seller (Ilne 420) - 101 200.13 302 Less amounts paid bvlbr borrower line 220 - 11--_ -- __96,000.00 n02_ _Less IL~lu~uon amount due seller line 520 2 062.25 303. CASH FROM BORROWER _ _ 7 791.01 603. CASH TO SELLER 99137.88 SUBS rl fuTE FORM 1098 SELLER STATEMENT. Tne Inlonr~allon coulelned herein Is Ilnpo r nl Izx lulonn li I ~ nd a bzl rd I Irni>Iwd to the Internal Revenue 9ervlce. Ir you are required to Ule a velum, a n gll~ nee panelb/ or clhar sancllan vdll he Imposed un you If Ihls Item Is rear Ired lu be rep I le J and the 1135 d iermines Thal ll has nor keen reported. The Conlrect Sales Prlee descdhed op aria 401 a~o~e cunsl~lules Ina Gross Pincaatls or Ibis IiansacllCn- SELLEH IRS fHUG nONS: II IMs seal eslale vres your pn~elpPal leswenca, Ilse Funn [ 119, Sale u. E:,enonuu ul r'i lnclpal 1luslden~~z, lur any gala, wUl your Income lax ralum; ror other lranseellona, camplele the applicable pans ar Furm 4797, farm 6252 and7or Schedule D (Form logo). You ara requlreu by law la provme Inc seulelnent ayenl (Yed. fax 10 nu, ) u y cu e 1 r F fur I I all II n number. Ir you do not provlda your correct lexpeyef IdanUflcarlon number. you may hz sub, eel to civil or criminal penallles Imposed by la•.r. lJnde~ pertullles nl pp 7 ~, I ~erlily II al the n. - ih~r sn -i.i i in Ihls slalemenl Is my correct lexpayef Idenlltlcelldn number. nN._ __-_ ____/_____.._ SELLER(S) SIGr1A 1l1HL-(SI, SELLER(S) HEW MAILIrIG ADI7HE55: 's ~°'°°°' a`e °°'°'~1e Rla Number, MT2008.102 us, D€PARTMERJT OF HOUSING AND URBAN DEVELOPMENT cGTTI i=MFNT STATEMENT _--____ .- _--1iu~E.xpr_5 s~ul~mEnl sv~ St I I LtMCIV I ~.ntin~ara _ ------------- - 10. TOTAL SALES/BROKER'S COMMISSIOPJ used on price $100 000.00 @ 0.000 _. _ Division of commission (line 700) as lullows: - -__ __ -. -- 11. $ _- to .----- -- 13. Commission paid at Setllemenl _ --------- YHlit PAID FROM PAID FROM BORROWER'S SELLER'S FUNDS AT FUNDS AT SETTLEMENT SETTLEMENT 10. ITEMS PAYABLE IN CUNNtI, truly vvu n Lunlr ________ _._ --.--_ - )I Loan Origination Fee %~ _- )2. Loan Discount -- -------- - - -- _- -- - -- 03 Appraisal Fee _-_- ---- --------- - - -_ --- 04 Credit Reuort - ---__ _. _____-- --_ ___ -_ 05 Lender's Insoec(ion Fee - - ------ 06 Mgrlgage APPhcellon Fee ---------------------- ____ to Cornerstone Federal Cred'It Union ,07. Review Fee 50.OD _ __ (o Cornerstone Federal Credit Union __ _______ _____ IOB, Property Search 36.00 _ erstone Federal Credit Union C 20.00 _ _ ___ ___._ orn toe. Flood CedilicalinnlPenn St to ---- 110. Flood CertdicalionlBedlord SI _ ro Cornerstone Federal Credit Union 20.00 „~ -_ 100. ITEMS REQUIRED BY LENDER 70 BE PAID IN ADVANCE __ - .___. 901. Interest Front to ____ ~~ _.__- -Ida' --__-_-- 902 Mortgage Insurance Premiwn for to _. _____ 903. Hazard Insurance Premium Igr to --- -- - 9t)a, - 1000. RESERVES DEPOSITED WITH LENDER FOR 100LHazardlnsuranre __ nto.~e~__-,. Imo__.______ -_- 1002. Mortgage Insurance mo. ~ $ _ _ Imo _ 100_ 3, Ci(V Property Tax _. __ mo. ~! $ __ ____Imo --- -- - - 1004. Counly Propert Tj ax __ mo. ~ $ ___.__ hllu 1005. School Taxes ina~______i 19.29 /nw 1009.AggregaleAnalysisAdlus'Imen! _____ 1100. TITLE CHARGES _________.__________________ 1101. Setllemen! ar closing lee 1102. A6stracl or line search ___ ________ _ 1103. Title examination 1 104. Title insurance binder 1105. Document PreparallenMlaiver -- -- __ __ to Saidis Flower & Lindsay __ _ _ _ - I 106. Notary FEas to Saidis Flower & Lindsay _____ _ 11oz Auurnay's leas -- (includes shove hems No'. , _ _ _lo Saidis Flower & Lindsay POC __ _ _ . _ _-.~._ _ - ~ -- __ 1108. Titre Insurance (includes above dams Mo: __ _ __ _ lo_Ahstract Compan~Central PAllnc_ ____ _____ /__ _ 1109. Lender's Palicy 95 000.00 - I I t 0. Owner's Policy _ 100 000.00 - 772.88 _ _ _ ___ -_ _ _1111. END 100 300 81 _ _to Abstract Company of Central PA Inc._ ___ 1112 - _ 1113. Closin SveLtr ___ _ _ _ _. -_ to Abstract Company of Central PAylnc. _ _ 9F.NT RECORDING AND TRANSFER CHARGES eas Deed $ 38.50 Nlurigege 5 44.50 __L(i~leasc ~___ _._ _ _ _ (ax/slamus Deed $1 000.00 -_,,Mar~e_~ _____- 205. __ _ _ _ __ _ _ 300. ADDITIONAL SETTLEMENT CHARGES 301. Survev _ _ _.. 00 - --- -- - -- 1305. 1306. --- -- 1307. 1306. 1400. TOTAL SETTLEMENT CHARGES _(enler on lines 103, Section J end 502 Section I<L____ _ 2 590.88 7 0 IIDII ^EIt rIF ICATI0~101- al~l'Eµ gULI eELI LI! I na~ic ~drclillly revlewc~ Ilse f IUD-I eelllcll ncni ui141o III ~ sl of iny IyryhwleJ9e ~II.I Lvll ~I, II I~ v IIIIL' ~rl~l ~~~iii~l.~ slu lei rlenl or all recelpls and el56unernGnf9 metla on my account of sy me I~ Ih 51fdI15d Cian. lurlhel~ va !lCClv¢E 2 CapY Of IU0~1 S~Ildfilel~l $ulellt:lll. ~I rn WAHN11~1G'.I rISACRIME TO hiJONIIPIIiI.Y (NAf;E FALSE 9TA 1'~hIENTS TD TVI~ ~I lie 111111-I 6eIIILI'IlL`Ill ~lalellle~lt WhLlI IrIBVC Prepaled lse WSand occurs l0 eecpunl Of ~ill!(renaaClan. UMITEn STATES ON THIS OR AMY SIP~IILAR FORP.I. PENALTIES tIPOPI CONVICT IDPI have cw.lsed ~r vAll ~.,~Ise the hll~ds to be dlshursed in accordance wflh 1h15 SlalerrlenL. CAtI INCLUDE A FINE APID I(vIPRI50rIMENT. FOR DETAIr S SE[ 1'I rLE Ie'. u.S CODE SECTION 1001 APID SECTION 1010. ~- Savings Bonds Summary Bond Number Amount of Bond issue. Date V1240074HH 5,000.00 Mar-97 V1240075HH 5,000.00 Mar-97 M6213823HH 1,000.00 Mar-97 M6213824HH 1,000.00 Mar-97 M6213822HH 1,000.00 Mar-97 M4367893HH 500.00 Mar-97 Total Value $ 13,500.00 HH .~ ~ _ , I ~, _ - _- ` ~~jj 7 ~A tJ1JRI~S r~~~~l~]A'~fE~ka~~~~t'fiJP~1~`~.~{~l~lr'~1.a~~~~,1`i~ro~t_5~~[`~~~ \'~ ~ I * ~~~'~. '1`f'li\fl ,'1~1:1(~)l~~ll1~\U~k~~('1 ~1 tl~..+a.L.S~ynl~fL.'-a.~ .I SEREST CEASES 20 '. 9'.,, -.. YEARS FROM ISSUE DATE OF ,. _ I r. r ~ r9 . .f ~~ ~ i - ~. y I I ~ _ _ r,,: L '. F ~I?~- II II ILI ~ - °_ v •_ s-a~ LiEr~RhEU ir~rt~EST s 3.444.45 ~t~4~~c~97~5~4fl4'~ L 6 r,_ _ <<,,. ,,, . ~ I~r~ ~'.~ V1240D~i'tNH S'..,.~n.y a IA. ?rnv~.y 50001 2400?4n~ ~_ - ~~ - __ __ _ q ~~ SERIES RR •_~~~~~ ~~r~~iESa~~~~~ ~~~~~~ ~' ,~~?..,:~ -- ~ ,P, p T+~;- I rI~'~'I 7'I,11)`lc~'~~~:\dD ,I~(~`JSI~~~`ItS~ -^-~'~~~~_i - /::. ~~.c~&\. "'I'°`t~"~"r~~^"{.~'~'../~r.~-3.~5..~,i INTEREST CEA ' r~ ,( _ `_ Q1=Ftt rI -= SES 20 YEARS - FROM ISSUE DATE OF p ~~ ~ di i ~ ~ 1~ ~ ~ ~RL ~ 3i-t~yi Ls~ yL~,iC. ~}~y a7 r 7- { n a •~ I r. ~, r. E ~! I RR `sA G6 I I -~ ~ ~ 1( 41rIJ 4~tP °VH~ - ~ I. ~ I I i ;°~, - - _ - fia' _- I L -. - ~~_~ - -. _ --- - --- SER lES HH - _~~~~~~ ~~~~~~ ~~.~~~.~~~ ttII _ ® ~ ~ r -. - I(~~l~ll.", 411~~~1J/~=~'~~V/~~~G~~~ - - -_ {NTERFST ~€ASES 20 YEAR;; < - - ~~ - FROM ISSU€ DATE OF._: ` - -_ I -.---..4 ~~ ~ ~~~~ , ;_ { _` _ - ~ _ o_ = ..~ ~~ ~ _ -~ '~1~r~LISILEr iPA 1 ~C~'~3 aao ~~pp ~~.~, ' I ~ , ,1 I ~J_'~ ~ ~~ 7~ ~ri ~ - _ ' - ~i ~~ - _ - ___ ~ _ u - _. - .... _ -. _.;:. _.. _ -_ _ _- J - J .i rATiN - _ ~ __ -:4~tiL~ ~ O~ ~ i =-IIE~ERRED INTEREST $___ ~ J ~~ ~ ~~y ~ ~ ~~ ~ ~ ~~~-~ -a s~..,, y ~,.,.~„y 40006 2 1 38 ~3PI~ _ - _ ---- lh/PAAAiWrxwxn.s..u.i.e.c,~,.,,.~.- - - - ~-3 s~~~~IF~ RR '~~Id~1~ d~I~r~I~dil~~J ~~~~tl~ ~(~A~It~I~~y~(,.,.s~, -- - ~ ~ p ~ (~ k ld)'~': ~i AEI;1(u)lC'1~~~~i~Y~l~l~;(~1I~;{.11d];~i~i _"1~-----f.s - iYTERFST CEg5E5 dO,YEgRS -' - - - _ FRCM-ISSUE OgTE OF -~- ~ ~~ ~~ ~~ ~ ~~~~ '~yy ,..,~. E.~ _ irlOrtti ha~~~¢!~'.a~ 433E ___ ` - --_ -_ - B'I ~ " i ; I .-.~ ~. y,:4 DEFERRED INTEREST $ ~~~+~ ~~ s ~~Rlrs RR l5 - ~ 50006 2 L38 24ii'- tL JN'NNNNYNVNNN.ONNNAW IA ~~iti^^llb UaatAhAtANbHblA V.0.~maat y a yp,~ p~v - VN ~~~.~~ _- DEFERRED INTEREST 5.__ _ _ ~ _ M ~~_ ~~y~~~ _ -- ~ ~ ~ -LS~J - _--~ _ _:_ ~~694L397~9443 ~ 5 ~ 30006 2 L 38 2fr -- -- - --- - - ---- 1~!11'~jl ~' I~1d1A'il~lli~~lLll~l)Il~~s'~5'~ ~~~ - -~~rs~ESr_cEq I ~•-~ _._ SES 20 YEARS - _ _. _ FROM ISSUE DATE OF_ ~3AR~l ~i_L~di ~`Rt~r3tR~5 ~T~ ,~~~ _ ~r~.,~ ~ R FP L I ~ L E .'I~ p ~_ ~ 7~ i~k:~iJ y,~~~ + ~'_',__t_{.,_u~t"~ "_ _„ ~. fT~ ~~~ re s---may ~. ~ _ ~ I - '~~ ' ii ~ _ _ ~~j 7pp~,q~ i - _ ~ _~ ?llt~~Ya'Jf'~54J Ib ~ _ - DEFERRED INTEREST $ ~ 44 ,~ ~ ~ - - TM. .'..r.. _~ _ _- - ~G~r4t~~~'~94`;;~"9 ~,~, ~ ~ 5000,36 ~ 893~i - _ _ ~IhVNNNN.G ao al luA bl~+~liltn l~li l of - _ - - - SERIFS RR r M~TBank ~~,,~` 499 Mitchell Road, Millsboro, DE 19966 Mai! Code DE-MB-12 Phone (888) 502-4349 Fax (302) 934-2955 May 29, 2008 Saidis Flower & Lindsay Attorneys At Law 2109 Market Street Camp Hill, Pennsylvania 17011 Re: Estate of Itilary Ellen 1~ober•ts Social Security: 17-~-20-267 bate o Dectth: A~~ril 2~ 2008 Dear Sir or Madam: Per your inquiry dated May 20, 2008, please be advised that at the time of death, the above-named decedent had on deposit with this bank the following: 1. Type ofAccoatnt Checking Account Account Number 9b'33002174 Ownership (Names of) Mary Ellen Roberts Opening Date 12/30/0 2 Balance on Date of Death .$8,378.76 Accrued interest $' 0. l9 Total $8, 378.9 „ " 2. Type of Account Savings Account Account Number 015004200907276 Ownership (Karnes o~ Mary Ellen Roberts Opening Date / U/0 2190 Balance on Date of Death $ l7, 403.02 Accrued Interest $ 2.05 Total ------ $ 17, 405.07 3. Type ofAccount Savings Accozznt Account Number 01 X004200933718 Otivnership (Names of) Mary Ellen Roberts Opening Date !D/DZi90 Balance on Date of Death $ 23, l-17.25 Accrued Interest $ 2.28 Total --_.... $23,149.53 4. Type ofAccount Scn~ings Account/Holiday Club Account Number OZSD0492D036868 Otivnership (Names o~ Iti9azy Ellen .Roberts Opening Date 1I/17/b'9 Balance on Date of Death $ 120.07 Accrued Interest $' 0.01 Total $ 120.08 5. Type of Account SczvingsAccount/HolidayClub Account Number D2~OD4920096713 Ownership (Names of) Mary Ellen Roberts Opening Date l 1/1 ?/b'9 Balance on Date of Death $ 120.07 Accrued Interest $ 0.01 Total $ 12D.08 6. Type ofAccount Account Number Ownership (Names of} Opening Date Balance on Date of Death Accrued Interest Total Savings Account/Holiday Club ~250~=1920121085 Mary Ellen Roberts 1 I /17/89 ~' 120.06 ,$ 0.01 ............................ $ 120.07 Please be advised, there was no safe deposit box found for the above decedent. * If upon reviewing the information above, you beiieve there are additional accounts not referenced, please provide us with an account number and/or 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, etc., please contact our LYorth Middleton Office # 717-2~f0-=1521. Sincerely, .~~~ ~~~ Nancy lagett Records Management BILL OF SALE I, Jay W. McBride, Jr., Executor of the Estate of Mary Ellen Roberts, deceased, hereby sell and transfer all right, title and interest in and to the following vehicle: 1997 Ford Escort Sedan Vehicle I.D. No. 1FALP13P9VW267154 to Patricia Hummel of 102 Hill Drive, Carlisle, Cumberland County, Pennsylvania, Buyer, for the stun of Two Thousand Two Hundred and No/100 ($2,200.00). The vehicle is sold "AS IS" with no warranties express or implied, except as to title. SELLER: THE ESTATE OF MARY ELLEN ROBERTS By: BUYER: Patricia Hummel Date: __ ~ --~L~ - ~ ~ j ;: r „. . ,: PATRICIA M. HUMMEL 1$50 ~ 102 HILL DR. CARLISLE, PA 17013-8473 Q 3-.7615/360 PH. 717-258-4025 Date 28s .Pay to the..... , ~ ~ _ /1 '. .> order of cr-'[y~~~~~~{-1'-~~ l ,~_-~_.~ ~ ~ ~,~J/J~~/' ~(f ~~ T i' k.l''vr f r -- ~ f i to fl,~-~'~lG.a~~r.C~{4~ ~-~. '4~ Dollars ~ ~,..w~d~, I, ' ~~ Citizens Bank ~ citizens cirde!>ecount ~P//enyn~sylvania // ~ for "/ / ~ ,1' tr ~~ / / ~~1.~ - - ~:^36^76 i5^~: 61^^73365iii' 185^ oew~xza.,~~n~.„ 0 m 0 0 0 0 0 0 0 0 0 0 0 0 0 0 SAIDIS FLOWER & LINDSAY LAW OFFICES ATTN: JO ANN SEKER 2109 MARKET ST. CAMP HILL, PA 17011 Contract Number: 071095692 Nationwide Financial Individual Annuity Account Services P.O. Box 182021 Columbus, OH 43218-2021 www. bestofame rica. com JUNE 03, 2008 Thank you for your recent correspondence regarding the aforementioned contract. Enclosed is a Beneficiary Ciaim Form. As a Beneficiary there are several claim options that you may select. Please take a moment to read the "Additional Detaiis" section of the claim form for a- more detailed explanation of the benefits and possible limitations your selection may incur. In order to expedite your request please make sure that all required sections of the form are completed. Once the claim form and all necessary supporting documents have been received we will complete your request. If a response to this letter is not received within 60 days we will consider the matter closed. The value of the above annuity, as of April 24, 2008 was $15,055.56. The Estate of Mary Ellen Roberts is the Primary beneficiary on this account. Should you need further assistance you may contact our Annuity Service Center at (800) 848-6331, Monday through Friday from 8:00 am to 8:00 pm. If a response is not received within 6 days, we will consider the matter closed. Sincerely, Nationwide Financial CC: KIMBERLY HEAVNER M & T SECURITIES 1 MTPLZRM3 BUFFALO NY 14203-2301 Page 2 of 9 RiverSource Life Insurance Company RiverSource Funds Ameriprise Certificate Company Ameriprise Brokerage Ameriprise Financial Center 70100 Minneapolis, MN 55474 May 5, 2008 DAVID W KIDD STE 604 214 SENATE AVE CAMP HILL, PA 17011-2382 Dear DAVID W KIDD: We have received notification of MARY E ROBERT'S"s death. The deceased"s name appears on the following accounts. Account values as of 04/24/2008 are listed below. At the end of this letter, you will find a list of beneficiaries shown in our initial review of the accounts Account Information Annuities -Post 1985 Account Number Ownership 93007027957 3 004 Individual 93007710895 7 004 Individual 93107372055 5 004 IRA -beneficiary designated Life Insurance Account Number Ownership 90002668375 6 004 Individual LTC Premium Return 5/23/200 Page 3 of 9 Account Ntunber Ownership 91002354087 5 004 Individual 91006365103 8 004 Individual Ameriprise Brokerage Account Account Number Ownership 00019599760 6 021 IRA -beneficiary designated Annuities -Post 1985 Account Number 93007027957 3 004 93007710895 7 004 93107372055 5 004 Life Insurance Total Value $128,950.90 $48,820.27 $12,163.18 Account Number Total Value 90002668375 6 004 $65,000.00 Ameriprise Brokerage Account Account Number Total Value 00019599760 6 021 $34,103.00 (Embedded image moved to file: pic20215.jpg) The date of death values provided are for estate tax purposes and are not a value to be paid. Accounts may be subject to market fluctuation as governed by each product. Please note that the values indicated for any Life Insurance products with the insured deceased reflect the gross death benefit at date of death and not the cash value. Values indicated for Life Insurance products with only the owner deceased reflect the cash value as of the date of death. Values for any proprietary mutual funds include accrued dividends as applicable. Values provided for brokerage products are manually calculated, and should be used as estimates only. The prices used to provide values are estimates obtained from outside sources believed to be reliable. Ameriprise Financial provides these values as a service to its clients. Actual values used in preparation of tax returns or for planning purposes should be verified by your legal and accounting advisors. Account Disposition Account disposition is based on how an account is owned (the ownership type). 5/23/200 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES DEPT. 280601 HARRISBURG, PA 17128-0601 RECEIVED FROM: MCBRIDE JAY W JR 45 SUMMERFIELD DRIVE CARLISLE, PA 17013 PENNSYLVANIA INHERITANCE AND ESTATE TAX OFFICIAL RECEIPT ACN ASSESSMENT CONTROL NUMBER fold ESTATE INFORMATION: ssN: i74-2o-3267 FILE NUMBER: 2108-0508 DECEDENT NAME: ROBERTS MARY ELLEN DATE OF PAYMENT: 09/08/2008 POSTMARK DATE: 09/08/2008 COUNTY: CUMBERLAND DATE OF DEATH: 04/24/2008 REV-1162 EX(11-96) NO. CD 010232 AMOUNT 101 ~ 5409.08 TOTAL AMOUNT PAID: REMARKS: RECEIPT TO ATTORNEY SEAL CHECK#116 INITIALS: AJW RECEIVED BY: 5409.08 GLENDA EARNER STRASBAUGH REGISTER OF WILLS REGISTER OF WILLS