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HomeMy WebLinkAbout09-16-08 (2)15056051058 REV-1500 EX (06-OS) OFFICIAL USE ONLY PA Department of Revenue County Code Year File Number Bureau of Individual Taxes ~ INHERITANCE TAX RETURN ' PO BOX 280601 21 08 0532 Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth _. 152-30-9220 ' 05!11/2008 ! 10/03/1940 _.. Decedent's Last Name Suffix Decedent's First Name MI PENNY JOAN L; _. _ _. (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 .:~;:a 1. Original Return ,. 2. Supplemental Return 3. Remainder Return (date of death prior to 12-13-82} 4. Limited Estate 4a. Future Interest Compromise (date of s~ 5. Federal Estate Tax Return Required deaih after 12-12-82) !: 6. Decedent Died Testate ~ ;- 7. Decedent Maintained a Living Trust 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust) 9. Litigation Proceeds Received 10. Spousal Poverty Credit (date of death ~ 11. Election to tax under Sec. 9113(A) between 12-31-91 and 1-1-95) (Attach Sch. O) CORRESPONDENT - THIS SECTION MUST B E COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD f3ErDI~ECTED T0: Name Daytime Tele~one Number . ~.._. -1. __. . THOMAS E. FLOWER ~. , (717) 737 n t Firm Name (If Applicable) ,--r~_ ~, .-., ~ ......_ ._~ --r-~'~- - --3 - f .7 i REGISTER Q~F LS USE ONLY ' ~ SAIDIS, FLOWER, LINDSAY ~. - ~~7 ' ' ' ` csr ;:_~ ' rr~ ~: , First line of address ~ - ~ I ~ - 2109 MARKET ST '=- _~ ~ ; ; , , ~ Second line of address i I --I .. ,. i ~ t~ ± '', ~- _. i ~~ i City or Post Office _ State ZIP Code ...... . _.: ~ DATE FILED _.__ _. _ .._.___ _ .__...._._ _ ........._. .._ . . .. __ . _. 'CAMP HILL PA ' 17011 Correspondent's e-mail address: tflower@sfl-Iaw.COm Under penalties of perjury, I declare that {have examined this return, Including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete eclaratio 'preparer other than the personal representative is based on all information of which preparer has any knowledge. aIGNAT~ P / SP SIB F IN - ~~_,- ~. ~~T ADD SS - -- -- RE _ DATE A UR SCOTT PENNY, PO BOX 13, ATLANTIC, NC 28511 - - _. __ _. :iIG ATU E OF PREPA THAN REPRESENTATIVE ~ ~ DAT ~ ~ J ADDR S SAIDIS, FLOWER & LINDSAY, 2109 MARKET ST, CAMP HILL, PA 17011 PLEASE USE ORIGINAL FORM ONLY Side 1 L 15056051058 15056051058 ~~ 15056052059 REV-1500 EX Decedent's Social Security Number _. _ _.._ Decedent's Name: JOAN L PENNY '~ 152-30-9220 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. 3 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) ~" : = Separate Billing Requested...... .. 7. 8. Total Gross Assets (total Lines 1-7) .................................. .. 8. 9. Funeral Expenses & Administrative Costs (Schedule H) ................... .. 9. 19,591.65 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) ........ ........ 10. 54.91 11. Total Deductions (total Lines 9 & 10) ........................... ........ 11. 19,646.56 12. Net Value of Estate (Line 8 minus Line 11) .............................. 12. - 177,354.60 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which " ~~ ~ .._.'..... -' - _.. _.__. an election to tax has not been made (Schedule J) ........................ 13.:. 0.00 14. Net Value Subject to Tax (Line 12 minus Line 13) ........................ 14. ' 177,354.60 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 _ _ ....... _.. (a)(1.2) X .0_ ' 15. 16. Amount of Line 14 taxable _.._..._..._ _~_..,.~ at lineal rate X .0 45 177,354.60 '' 16, 7,980.96 17. Amount of Line 14 taxable ~ _. ...._ .,~~._.~-_ .. .,_.._..._„ , . _._ _..._ ..._... at sibling rate X .12 ~ 17. j . ., . . ._m ~ . 18. Amount of Line 14 taxable .... ... . .. _._.~ ..... ,.. __ ____ .,_ at collateral rate X .15 18. 19. TAX DUE ........................... .............................. 19. ~, 7,980.96 20. FILL 1N THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT 7,154.61 197,001.16 15056052059 Side 2 15056052059 10,846.55 REV-1500 EX Page 3 Decedent's Complete Address: JOAN L PENNY _ . __ __ _ __ STREET ADDRESS 3 CURTIS AVE HOPEWELL TOWNSHIP CITY NEWBURG Tax Payments and Credits: STATE PA ZIP 17240 1. Tax Due (Page 2 Line 19) (1) 7,980.96 2. Credits/Payments A. Spousal Poverty Credit - __ B. Prior Payments C. Discount - Total Credits (A + B + C) {2) 0.00 3. lnterestlPenalty If applicable D. Interest _ . __ __ __ E. Penalty Total Interest/Penalty (D + E) (3) 0.00 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Fill in oval on Page 2, Line 20 to request a refund. (4) 5. If Llne 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) A. Enter the interest on the tax due. (5A) B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (56) 7,980.96 Make Check Payable to: REGISTER OF WILLS, AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPR OPRIATE 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 : .............................. .............. ^ ^X c. retain a reversionary interest; or ............................................................................................................ .............. ^ 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 for" or payable upon death bank account or security at his or her death? .............. ^ ^X 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? .......................................................................................................... .............. ^ 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. §:3116 (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)j. 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)]. Asibling is defined, under Section 9102, as an individual who has at {east one parent in common with the decedent, whether by blood or adoption. 08 ;10532 DECEDENTS 50C1AL SECURITY NUMBER 152-30-9220 21 REV-1502 EX+ (6-98) ~ SCHEDULE A COMMONWEALTH OF PENNSYLVANIA REAL ESTATE INHERITANCE TAX RETURN RESIDENT DECEDENT ES1•ATE OF FILE NUMBER JOAN L. PENNY 21-08-0532 All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts. Real property which is jointlyowned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH t. DWELLING HOUSE, 3 CURTIS AVE, HOPEWELL TWP. CUMBERLAND COUNTY, PA NOMINAL GROSS SALE PRICE LESS $4,000 SELLER HELP 179,000.00 (SEE HUD-1 SETTLEMENT SHEET ATTACHED BEHIND SCHEDULE H) TOTAL (Also enter on line 1, Recapitulation) $;, 179,000.00 (If more space is needed, insert additional sheets of the same size) Ii LID - I UNIF'OIiNI SETTLEMENT STATEMENT OMB Approval No. 2502-0265 A. U.S. DEP,ARTNIENT OF HOUSING AND URBAN DEVELOPMENT SETTLEMENT STATEMENT B TYPE OF LOAN 6. File Number: 7. Loan Number. 1. FHA 2. FmHA 0192-2008-21 3. X Conv. Unins. 4. VA 5. Conv. ins. 8. Mortgage Insurance Case Number C NOTE: This form is furnished to give you a sr,te,nent of ach,al settlement costs. Amounts paid to and by the settlement agent are shown. Items marked "(p.o.c.)" were paid outside the closing, they are shown here for informational purposes and are not included in the Cotals. NOTE: TIN ='taxpayer's Identification Number D. NAME AVD ADDRESS OF BORROWER: E. NAME. ADDRESS .AND TIN OF SELLER: F. NAME AND ADDRESS OF LENDER: Stephanie L. Boothe Estate of Joan D. Penny USDA - Rural Development 401 E. Louther St., Ste. 304 30 Short Lane P.O. Box 13 Carlisle, PA 17013 Newville, PA 17241 Atlantic, NC 28511 G. PROPER"TY LOCATION: H. SETTLEMENT AGENT NAME, ADDRESS AND TIN 3 Curtis Avenue TURD LAW OFFICES 25-1616709 Newburg, PA 17240 28 South Pitt Street„ Carlisle, PA 17013 PLACE OF SETTLEMENT I. SETTLEMENT DATE 24-21-0390-144 28 South Pitt Street 08/20/2008 Carlisle, PA 17013 J. SUMMARY OF BORROWER'S TRANSACTION K. SUMMARY OF SELLER'S TRANSACTION 100. GROSS AMOUNT DUE FROM BORROWER: 400. GROSS AMOUNT DUE TO SELLER: 10 I . Contract sales price 18 3 , 0 0 0 . 0 0 401. Contract sales price 18 3 , 0 0 0 . 0 0 102. Personal property 402. Personal property 103. Settlement charges to borrower (Line 1400) 5 , 93 0 . 8 3 403. 104. 404. 10~. 405. Adjustments for items paid by seller in advance Adjustments for items paid by seller in advance 106. City/town taxes 406. City/town taxes 107.Counrytaxes 08/20/2008-12/31/2002 131.89 407. County taxes 08/20/2008-12/31/2008 131.89 108, Assessments 408. Assessments I09. 409. 110 School Tax 08/20/08-06/30/09 1,184.33 410. School Tax 08/20/08-06/30/09 1,184.33 III. 411. 112. 412. 1Z0. GROSS P,MOUNT DUE FROM BORROWER 190 , 2 4 7.05 420. GROSS AMOUNT DUE TO SELLER 18 4 , 316.2 2 200. AMOUNTS P.41D BY OR IN BEHALF OF BORROWER: 500. REDUCTIONS 1N AMOUNT DUE TO SELLER: 201. Deposit or earnest money 5 0 0 . 0 0 501. Excess deposit 202. Principal amount of new loan(s) 18 3 , 0 0 0 . 0 0 502. Settlement charges to seller (Line 1400) 14 , 6 3 8 . 6 9 203. Existing loans} taken subject to 503. Existing loan(s) taken subject to 204. Afford Housing Trust Fund 2, 747.05 504. Payoff of first mortgage loan 205. 505. Payoff of second mortgage loan 206 Sel Assist w/ Cost & Repairs 4,000.00 5o6.Sel Assist w/ Cost & Repairs 4,000.00 207. 507. 208. 508. 209. 509. Adjustments for items unpaid by seller Adjustments for items unpaid by seller 210. City/town taxes 510. City/town taxes 21 1. County taxes 511. County taxes 212. Assessments 512. Assessments 213. 513. 2I4. 514. 215. 515. 216. 516. 217. 517. 218. 518. 219, 519. 220. TOTAL PA]D BY/FOR BORROWER 190, 247.05 520. TOTAL REDUCTION AMOUNT DUE SELLER 18, 638.69 300. CASH r1T SETTLEMENT FROM/TO BORROWER 600. CASH AT SETTLEMENT FROM/TO SELLER 30 t .Gross amount due from borrower (Line 120) 19 0 , 2 4 7 . 0 5 601. Gross amount due to seller (Line 420) 18 4 , 316.2 2 302. Less amount paid by/for borrower (Line ZZO} 1 9 0 , 2 4 7 . 0 5 602. Less reduction in amount due seller (Line 520) 1 8 , 6 3 8 . 6 9 303. CASH FROM BORROWER 603. CASH TO SELLER 165, 677.53 SELLER'S STATEMENT 1'he information contained in Blocks E, G, H, and I and on line 401 (or, iF line 40 i is asterisked., line 403 and 404) is important tax information and is being furnished to the Internal Revenue Service (see Seller Certification), !f you are required to file a return, a negligence penalty or other sanction will be imposed on you if this item is required to be reported and the [RS determines that it has not been reported, You are required to provide the Settlement Agent with your correct taxpayer identification number. If you do not provide the Settlement Agent with your correct taxpayer identification number, you may be subject to civil or criminal penalties imposed by law. Under penalties of perjury, I certify that the number shown on this statement is my correct taxpayer identification number. (Seller's Signature) Estate of Joan D. Penny (Seller's Signature) EASY SOFT, lne. 2001 Previous editions are obsolete Page 1 form HUD-l (3/86) ref Handbook 4305.2 L. SETTLEMENT CHARGES 700. TOTAL. SALES/BROKER'S COMMISSION based on price $ 18 3, 000 . 0 C ~ 0 O ' PAID FRO\t ~ P.aID FRO~1 i Division of Commission (line 700) as follows: BORROWER'S SELLER'S 701. $ 5, 515.00 to George L. Ebener & Assoc. Realtors FUI~'DS AT FL1DS AT ~ 702. $ 5, 4'05.00 to Kimberly Realty SETTLEMENT j SETTLEMENT 703. Commission paid at Settlement - ~ ~ % 8:~ • 0 704. _ 800. ITEMS PAYABLE IN CONNECTION WITH LOAN _ 801. Loan Origination Fee $ _ 802. Loan Discount $ _ 803. Appraisal Fee to Rural Housing Service ~ %~ . 00 804. Credit report to _ 805. Lender's Inspection Fee 806. Tax Service Fee to Rural Housin Service 807. Initial Escrow Deposit to Rural Housing Service _ 808.Excrow for Repairs to Property - - -~ - 809. ~ ~ _ 810. ~ _ 811. _-} _ 812. I 813. 900. ITEMS REQUIRED BY LENDER TO BE PAID 1N ADVANCE 901. Interest from 902. Mortgage Insurance Premium for _ 903. Hazard.. insurance Premium for 1 year (s) to State Farm $ 4 6 . 00 POC 904. 905. 1000. RESERVES DEPOSITED WITH LENDER 1001. Hazard insurance (002. Mortgage insurance 1003. City Property Taxes 1004. County Property Taxes 1005. Annual assessments 1006. 1007. 1008. Aggregate Accounting Adjustment I C • C 1100. T1TL:E CHARGES - ] 101. Settlerent or closing fee to 1102. Abstta.ct or title search to 1103. Title E'.xamination to 1104. Title insurance binder to 1105. Docunnent preparation to 1 106. Notary fees to 1107. Attorney's fees to Saidis, Flower & Lindsay 300.OC (includes line numbers: 1105 - 1107 II08.TitlelnsurancetoTuro Law Off, Agt for Conestoga Title 1,273. ' (includes line numbers: 1101 - 1110 _ 1109. Lender's coverage $ 18 3 0 0 0. 0 0 1110. Owner's coverage $ 18 3 0 0 0. 0 0 It11.Lender's Endorsements 100, 300, 8.1 15C.00 1112. Closing Protection Letter to Conestoga Title Ins~~~a^-~e Co. 35.00 It13.Overnight Courier/Postage to Ron Turo, Esquire 30.00 GOVERNMENT RECORDING AND TRANSFER CHARGES 1200 . 1201. Recording fees: Deed $ 3 8. 5 0 Mortgage $ 4 4. 5 0 Releas e S 2 7. C C 8 3. 0 0 2 7. 0 0 1202. City/cnty tax/stamps: Deed $ 1, 8 3 0. 0 0 Mortgage $ 1, 8 3 0. 0 0 1203. State t:ax/stamps: Deed $ 1, 8 3 0. 0 0 Mortgage $ 1, 8 3 0. 0 0 1204. 1205. 1300. ADDIlTIONAL SETTLEMENT CHARGES _ 1301. Survey to 1302. Pest inspection to Inspection Fee to Miller's Stove 75.00 1303. Home Inspection to Ron Smith Construction 150.00 1304. Wood Destroying Insect & Water Inspection to Llc~d's No~.e L.so. 1305. Septic Inspection to Chamberlin & Wingert Sanitar}~ Svcs. t3o6.2G08-09 School Tax to Richard L. Hockenberry, Tax Collector 145.00 ''=25•UC 1,376.69 1400. TOT,~L SETTLEMENT CHARGES (enter on lines 103, Section J and 502, Section K) 5 , 9 3 0 . 8 3 14 , 6 3 8 . 6 9 CERTIFICATION: I have carefully reviewed the HUD-1 Settlement Statement ano to the best or my Knowieage gnu ucnci, ~~ ~~ a ~~ ~~ a~~u a~~~~a,~ „a,~~~~..~, ~• ~~~ ~~~~~~~~ ~~~~ disbursements made on my acco t or by me in this transaction. I further certify that I received a cope of the HUD-I Settlement Statement. Seller Estate of Joan D. Penny Borrower Stec-.^.an.e -. ?c^~-•~ Seller Borrower The HUD-1 Settlement Statement which I have prepared is a true and accurate account of the funds disbursed or to be disbursed b} the undersigned as pan of the settlement of this tran action. 08i 2C%~~_~ Se le entAgent URO LAW OFFICES Date W ING: It is a crime o knowingly make false statements to the United States on this or and oth~.r similar form. Penalties upon com fiction can include a tine and itnprisonme:nt. For detai see: Title 18 U.S. Code Section 1001 and Section 1010. © EASY SOFT, Inc. 2001 Previous editions are obsolete Page 2 form HUD-I (3/86) ref Handhook 430? L. SE'T"1'LE~9EN'1' CHARGES 700. TO"TAL SALLS/BROKEK's COl•'IMISSION Uased un price $ 18 3, 000.00 @ 6.000$ PAID FROM PAiD FROM ~- - _ Division ufCammission (lino 700) as follows. - BORRCIWER'S SELLER'S _ 701-$ 5, 515.00 to George L.. Ebener & Assoc Realtors ~ FIIrIDSAT FUNDS AT 702.5 5, 465.00 to Kimberly Realty _ SETTLEMENT SETTLEMENT 703. Commission paid at Settlement 10 , 9 8 0 ' 0 0 704. 800. I"I'EMS PAYAfILE IN CONNECTION WITI1 LOAN 801. Loan Origination Fee $ ___ 802. Loan Discount $ ,. 803. Appraisal f=ee to Rural Housing Service _ 325.00 80=1. Credit repast to _._ _ 80~. Lender's Inspection Fee 806. Tax Service Fee to Rural Housin Service 116.00 BozIni_ial Escrow Deposit to Rural Housing Service 368.08 808 Escrow for Repairs to Property 1,350.00 809. _ 810. __ 811. _ 8 12. ---~ 813. --- -- 900. ITEM1IS REQUIRED BY LENDER TO I3E P,4ID IN ADVANCE 90 L Interest from 902. Mortgage Insurance Premium for 903, Hazard insurance Premiwn for 1 year (s) to State Farm $ 9 67.00 POC 90-4. _ __ _ 905. _ 1000. RESERVES DEPOSITED ~N'YI'11 LENDER _ 1001. Hurd insurance __ _ 1002. Mortgage insurance 1003. City Property Taxes 1004. County Property 'T'axes _ 1005. Annual assessments 1006. ` _ 1007. _ 1008. Aggregate .Accounting Adjustment 0 • 00 1100. 'TITLE CHARGES 1 101. Settlement ur closing fee to 1 102. Abstract or title searet~ to _ 1 103. Title Examination to 4. Title insurance binder to l 10 _ __ _ 1 10~. Document proparation to 1106. Notary tees to - ~- -- 1107. Attorneys fees to Saidis, Flower & Lindsay _ 300.00 , (lnClLLddB Rile l1UmbCCJ'. 1105 - 1107 _ ~ ' - _ _.. -_ -_ - 1 _,~ 1108, "fide Insurance to Tutu Law Off, Agt for Conestoga Title Ins . I ~ ~ _ _ _,~ (includes line numbers: 1101 - 1110 " „-'_ ~ _ _ _ ~~ 1 109. Lender's coverage ~ 18 3 0 0 0. 0 0 1110. Owner's coverage $ 18 3 0 0 0. 0 0 _ _ ~ 4111. Lender's Endorsements 100, 300, 8.1 15_0.0.0 _ _ _ 1112. Closing Protection Letter to Conestoga Title Tnsurance Co. -- 35_00 - - 1113.Ove-night Courier/Postage to Ron 'Faro, Lsc~uire 30.00 . Ll1U. GOVI;RNMENI' 12ECORll[NC AND TRANSFER CHARGES - _ 1201 Recordiugfees. Deeds 38.50 Ntuttgage$ 94.50 Release$ 27.00 83..00 - - - -- 27 00 - - ~,_`^ 1202 city/cnty tax%stamps: Deed $ 1 , 8 3 0 . 0 0 Mortgage $ _ 1, 8 3 0 . 0 0 _ - - - - - 1203. State tax stamps'. Deed $ 1 , 8 3 0 . 0 0 Nlatgage $ _ ~_ _ _ _ ~ _ 1 , 8 3 0 0 0 - -- 120-1. ~ _ 120. _~_ (30U. ADllI'T10NAL SETTLEMENT CHARGES 1301. Survey to _ __ ___ 1302. Pest inspection toInspeetion Fee to Miller's Stove 75.00 1303- Home Inspection to Ron Smittt Construct_i_on 150.00 _ _ _ 1304.6~ood Destroying Insect & Water Inspe~lion to Lloyd's Home Insp._ _ 145.0 0 -- - 1305 Sapt~ic Inspection to Chamk~erlin & tnlnyart Sanitary Svcs. 1306.2008-09 School Tax to Richard L. Hockenberry, Tax Collector _ ~ ~__ 125._00 1,376 69 - - 1400.'TO'T.AL SETTLEMENT CHARGES (enter on lines 103, Section J and 502, Section K) _ _ 5, 930.8 - 3__14, 638.69 CEKTIFIGA"C10N~ i have carefully reviewed the HUD-I Settlement Statement anti to the best of my knowledgeand belief, it is a true and accurate statement of all receipts and disbursements made ou my actor t ur by me in this transaction. l further certlty that 1 received a copy of the HUD-1 Settlement Statement. ~~ Seller Estate of Joan D. Penny Borrower Step ante L. Boothe Seller Borrower The HUD-1 Settlerrrent Statement which l have prepared is a true and accurate account of the funds disbursed or to be disbursed by the undersigned as part of the settlement of this trap action Y ~ 08/20/2008 --~__ Se let ent Agent 'ORO LA6V OFFICES Date WA[ ING: It is a crime o knowingly make false statements to the Unitdd States ou this or any other similar form. Penalties upon conviction can include a fine and imprisonment. For detai see'. `Citle 18 U.S. Code Section {001 and Section 1010, _ - v EASY' SOFT, Inc. 2001 Previous editions are obsolete Page 2 form HUD-1 (3/86) ref Handbook 4305.2 REV-1508 EX+ (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY ESTATE OF FILE NUMBER JOAN L. PENNY 21-08-0532 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointlyowned with right of survivorship must be disclosed on Schedule F. (If more space is needed, insert additional sheets of the same size) REV-1509 EX+ (6-98) (:OMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE F JOINTLY-OWNED PROPERTY ESTATE OF FILE NUMBER JOAPJ L. PENNY 21-08-0532 If an asset was made joint within one year of the decedent's date of death, it must be reported on Schedule G. SURVIVING JOINT TENANT(S) NAME ADDRESS RELATIONSHIP TO DECEDENT A. ARTHUR SCOTT PENNY PO BOX 13 'SON ATLANTIC, NC 28511 B. C JOIN-IfLY-OWNED PROPERTY: ITEM NUMBER LETTER FOR JOINT TENANT DATE MADE JOINT DESCRIPTION OF PROPERTY INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR IDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY-HELD REAL ESTATE. DATE OF DEATH VALUE OF ASSET % of DECD'S INTEREST DATE OF DEATH VALUE OF DECEDENT'S INTEREST ~ A. 02115/07 CITIZENS BANK ACCT #610079-700-7 3,806.82 .50 1,903.41 2, A 02/15/07 CITIZENS BANK ACCT #6140-233658 10,502.39 .50 ` 5,251-20 TOTAL (Also enter on line 6, Recapitulation) $ 7,154.61 (If more space is needed, insert additional sheets of the same size) ~' ~ ; Account Statement 1,tT88,91OW41U0 ® of 4 :all (.iLizen~ PhoneBank anytioia Fur accuunl: inFormalion, cu.nent rates and answers to your questions. .Beginning May 10, 2008 through June 10, 2008 US259 6R299 3 1 JOAN D PENNY Contents 3 C U R T I S A V E Checking Page 1 N E W B U R G P A 1 7 2 4 0 Savings Page 2 Check Images Page zt Checking sUhIMARY Balance Calculation Previous Balance Checks Withdrawals Deposits & ,Additions _ Interest Paid - Current Balance Balance 3,806.82 Average Daily Balance 2,284.20 - Interest 268.36 - 9,000.00 -r Current Ltterest Rnte 62 + Annual Percentage Yield Earned 10, 254.88 = Number of Days Interest Earned Interest Earned Interest Paid this Year JOAN D PENNY ARTHUR S PENNY Personal Checking witlT Interest 4,745.99 610079-700-7 .15% .15% 32 .62 3.25 - TRANSACTION DETAILS Cheeksx There is a break in check sequenw Check i1 Amount Date Clieck it Amount Date 1569 1,910.00 05/22 1573* 348.00 05/16 1570 26.20 05/27 Previous Balance 3,806.82 n Total Checks 2,284.20 'vv ithdrawais ATM/Purchases Date Amount 06/03 2.00 06/03 202.50 Other Withdrawals Date Amount 05/15 8.95 Description Non-Citizens ATM Fee - l_k4124 100 S. Reynolds Stalexandria V ATM Withdrawal - Lk4124 100 S. Reynolds Stalexandria VA Description Chase Check Pymt 080514 Check # U0oo0o1572 05/16 54.91 Embarq BiIL Pymt 080515 Check # 0000001571 Deposits & Additions Date Amount Description 05/30 9,000.00 Deposit Total Withdrawals 268.36 Total Deposits & Additions 9,000.00 iv,~,iiu..i 7'UI~, LJ'c.{u..i 'i ~U.~i~l~.~ LuiiJcl ~~ Citizens Bank 1-888-910-4100 Call Citizens' Phone6anl: anytime for account information, current ratES and answers to your questions, Checking continued from previous page Interest Date Amount Description 06/10 .62 Interest Daily Balance Date Balance Date Balance Date Balance v5/15 3,797.87 05/27 1,458.7 Ov!;)? 10~r;~ ?r 05/16 3,394.96 05f30 10,458.76 06f10 10,254.88 05j22 1,484.96 ia,+~c~;I_~t;t ~~~ .t4~,,. ;,I~, ~iP.Uli-.Illily +- _ _ JOd.t1 D PEtlN`i ,~.RTHUP 5 PENNY Persona! Checking viith lntere~t u1U;J74 ~ %OU-i Total Interest Paid .C2 Current Batanc~ 1U,25a.88 Savings SUMMARY Balance Calculation Previous Bal'.ance Withdrawals Deposits & Additions Interest Paid Current Balance TRANSACTION DETAILS Interest Date Amount Description 05/30 1.95 Interest Daily Balance Date Balance 05/30 10,504.34 Balance 10,502.39 Average Daily Balance 10,503.04 .00 - Interest .00 + 1.95 + Current Interest Rate . Z2"', 10,504.34 = Annual Percentage Yield Eaneri .225 Number of Days Interest Eamec` 30 Interest Earned 1.89 Interest Paid this Year 12.89 Date Batance Date Balance NEWS FROM CITIZEN5 --Important Information about Check Cashing Cashing a check can be a convenient way to get quick access to funds. We prrrnit rherl<. cashing in our branches for customers who have sufficient funds on deposit tc covFr the amount of tfle item. Occasionally a check that you cash may be returned to us unpaid. When that h ~prens, we debit. your account for the amount of the item. In some areas, we also charge a fee of :10.00. Beginning August 1, 2008 we will standardize this fee and apply it to all accounts r: PA, DE, RI, CT, and NH. This fee is the same as the current charge for a returned depe iterJ item. If you have giuestions about this change, please see a Banker or call us at the n~irnirer tilted on your statement. --Great news!' Beginning in May through June 2008, we're enhancing Ontine Bilt P ~r,i~nt to offer you faster payments. In most cases, you'll be able to pay your bills in a~ li i; _ , 24 hours. And with a new convenient payment calendar, you'll be able to detFrmiu the earliest day your payments will be received. It's just another way Citizens is ~r:~orb'.r c to Member FDIC Q Equal Housing Lender JOAN o PENrrr ARTHl1R S PENNY Tiered Rate Savings 6140-233058 Previous Balance 10,502.39 ~, 'total Interest Paid _Cunent Balance 10,504.34 1-~~s~~lo-100 Catt Ci~_i~_n: PhoneBank anytime for a¢cunt inForm~Cion, corn=ut rags anii answers to your questions, lh2diugcentinuel irnrn pievinus page Interest Date Amount Description 06/10 .6z Interest Account Statement OF 4 Beginning May 10, 2008 through June 10, 2008 JOAN D PENNY ARTHUR S PENNY Personal Checking with Interest 610079-1OD-7 Total Interest Paid ' .62 Current Balance ~` 10,254.88 Daily Balance Date Balance Date Balance Date Balance 05/15 .°i,797.07 05/2/ i,45iJ.JV 06/03 10,254.26 05/16 3,394.9( 05J30 10,458.76 06/10 10,254.88 05/22 1,484.96 Savings SUFIMARY Balance Calculation Previous Balance 10,502.39 Withdrawals .00 - Deposits & Additions .00 ~ Interest Paid 1.95 + Current Balance 10,504.34 = JOAN D PENNY Balance ARTHUR S PENNY Tiered Rate Savings Averar(e Daily Balance 10,503.04 6140-233658 Interest Current Interest Rate .22°I° Annual Percentage Yield Earned .22% Number of Days Interest Earned 30 Interest Famed 1.89 Lrterest Paid this Year 12.89 Previous Balance TRANSAC1fI0N DETAIL5 Interest Date Amount Desniption 05/30 1.95 Interest Daily Balance Date Balance Date 05/30 10,504.34 Balance Date Balance ~ NEWS FROM CITIZENS --Important Information about Check Cashing Cashing a check can be a convenient way to get quick access to funds. We permit check cashing in cw branches for customers who have sufficient funds on deposit to cover the amount of tl'le item. Gccasionatty a check that you cash may be returned to us unpaid. When that happens, we debit your account for the amount of the item. In some areas, we also charye a fee of $10.00. Beginning August 1, 2008 we wilt standardize this fee and apply it to all accounts in PA, DE, RI, CT, and NH. This fee is the same as the current charye for a returned deposited item. If you have questions about this change, please see a Banker or call us at the number listed nn your statement. --Great news! Beginning in May through June 2008, we're enhancing Online Bill Payment to offer you faster payments. In mast cases, you'll be able to pay your bills in as little as 24 hours. And with a new convenient payment calendar, you'll be able to determine the earliest day your payments wilt be received. It's just another way Citizens is working to PflemUer F61c 1=l Equal Houalny Lender 10,502.39 Total Interest Paid 1.95 Current Balance 10,504.34 REV-1511 EX+ (12-99) SCHEDULE H COMMONWEALTH OF PENNSYLVANIA FUNERAL EXPENSES & 1NHERfTANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESl'ATE OF F{LE NUMBER JOAN L PENNY 21-08-0532 Debts of decedent must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT F~. FUNERAL EXPENSES: ~' EGGER FUNERAL HOME, PROFESSIONAL SERVICES 1,919.00 2. MEMORIAL LUNCHEON 177.26 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) ,. Social Security Number(s)lEIN Number of Personal Representative(s) Street Address City 'State Zip Year(s) Commission Paid: 2. Attorney Fees 2,500.00 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 ~I. Probate Fees 430.00 `. Accountant's Fees 6. Tax Return Preparer's Fees ' 7. Real estate agent's commission ($10,980), r/e transfer tax ($1,830) and other settlement costs 13,322.47 s. Tim Rime, Mowing 250.00 s. Homeowners Insurance 105.00 ' 10. Electric Service (345.07) and Phone Service (66.80) 411.87 11. Gasoline purchased for executor's trips from NC to PA to probate will and sell house 314.15 12 Repairs to 3 Curtis Avenue prior to sale 161.90 -- TOTAL (Also enter on line 9, Recapitulation) $ ' 19,591.65 ' (If more space is needed, insert additional sheets of the same size) REV-1512 EX+ (12-03) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE i DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS ESTATE OF FILE NUMBER JOAN L PENNY 21-08-0532 Report debts incurred by the decedent prior to death which remained unpaid as of the date of death, inc{udina unreimbursed medical eYnancoc (If more space is needed, insert additional sheets of the same size) RE'J-1513 EX+ (9-00) SCHEDULE J COMMONWEALTH OF PENNSYLVANIA BENEFICIAR{ES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER JOAN L. PENNY 21-08-0532 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NIJMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE f TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under Sec. 9116 (a) (1.2)] 1 WILLIAM J. PENNY; 483 REGINALD LN., COLLEGEVILLE, PA 18426 SON 1/3 2 DAVID E. PENNY; 4341 SALEM BOTTOM RD, WESTMINSTER, MD SON 1/3 3 RRTHUR SCOTT PENNY, PO BOX 13, ATLANTIC, NC 28511 SON 1/3 '. ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET tl NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART 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) :~-. '~ ~ - 'l ! I ~~ f ~ LAST WILL AND TESTAMENT OF 2j~~ ~ f' ~~ ~ ~ ~~ ~'~ ~ ~ ~ ~ ~ JOAN LOUISE PENNY % ~~;i~',. ~i1- {w,! ;:,,.~'~ ~+.:11...41 r. ~~ .; I, Joan Louise Penny, a resident of Newburg, Pennsylvania, being of sound and disposing mind and memory and over the age of eighteen (1$) years and not being actuated by any duress, menace, fraud, mistake, or undue influence, do make, publish, and declare this to be my last Will, hereby expressly revoking all Wills and Codicils previously made by me. I. EXECUTOR: I appoint Arthur Scott Penny as Executor of this my Last Will and Testament and provide if this Executor is unable or unwilling to serve then I appoint William John Penny as alternate Executor. My Executor shall be authorized to carry out all provisions of this Will and pay my just debts, obligations and funeral expenses. II. ACKNOWLEDGMENT OF CHILDREN I have the following children, and all references to "children" in my Last Will and Testament refer to the named following: Name: William John Penny Date of Birth: 26 September 1962 Name: Arthur Scott Penny Date of Birth: 3 January 1965 Name: David Earle Penny Date of Birth: 12 September 1967 III. SIMULTANEOUS DEATH OF BENEFICIARY: If any beneficiary of this Will, including any beneficiary of any trust established by this Will shall die within 60 days of my death or prior to the distribution of my estate, I hereby declare that I shall be deemed to have survived such person. IV. BEQUESTS: I will, give, and bequeath unto the persons named below, if he or she survives me, the Property described below: Name: William John Penny Address: Collegeville, Pennsylvania Relationship: Son Property: One third of the rest, residue and remainder of my estate of whatsoever nature or kind, and wheresoever situate, which I now own or may have the right to dispose of at that time of my decease. Name: Arthur Scott Penny Address: Atlantic, North Carolina Relationship: Son Property: One third of the rest, residue and remainder of my estate of whatsoever nature or kind, and wheresoever situate, which I now own or may have the right to dispose of at that time of my decease. ~~~a Name: David Earle fenny Address: Westminster, Maryland Relationship: Son Property: One third of the rest, residue and remainder of my estate of whatsoever nature or kind, and wheresoever situate, which I now own or may have the right to dispose of at that time of my decease. If a named beneficiary to this Will predeceases me, the bequest to such person shall lapse, and the property shall pass under the other provisions of this Will. If I do not possess or own any property listed above on the date of my death, the bequest of that property shall lapse. V. ALL REMAINING PROPERTY; RESIDUARY CLAUSE: I give, devise, and bequeath all of the rest, residue, and remainder of my estate, of whatever kind and character, and wherever located, to my children per share, but if any child predeceases me, then his or her share will pass, per share, to his or her lineal descendants, natural or adopted, if any, who survive me; but if there are none, then his or her share will lapse and pass equally as part of the shares of my other named children. VI. WAIVER OF BOND, INVENTORY, ACCOUNTING, REPORTING AND APPROVAL: My Executor and alternate Executor shall serve without any bond, and I hereby waive the necessity of preparing or filing any inventory, accounting, appraisal, reporting, approvals or final appraisement of my estate. I direct that no expert appraisal be made of my estate unless required by law. VIi. OPTIONAL PROVISIONS: I have placed my initials next to the provisions below that I adopt as part of this Will. Any unmarked provision is not adopted by me and is not a part of this Will. Any and all debts of my estate shall first be paid from my residuary estate. Any debts on any real t'~ property bequeathed in this Will shall be assumed by the person to receive such real property and not paid by my Executor. r~~_ ~~ ' I direct that my remains be cremated and that the ashes be disposed of according to the wishes of __ my Executor. I direct that my remains be cremated and that the ashes be disposed of in the following manner: I desire to be buried in the cemetery in County, Pennsylvania. `~ , L~J VIII. CONSTRUCTION: The term "testator" as used in this Will is deemed to include me as Testator or Testatrix. The pronouns used in this Will shall include, where appropriate, either gender or both, singular and plural. IX. SEVERABiLITY AND SURVIVAL: If any part of this Will is declared invalid, illegal, or inoperative for any reason, it is my intent that the remaining parts shall be effective and fully operative, azld that any Court so interpreting this Will and any provision in it construe in favor of survival. IN WITNESS WHEREOF, I, Joan Louise Penny, hereby set my hand to this last Will, on each page of which I have placed my initials, on this first day of May, 2008 at 3 Curtis Avenue, Newburg, Cumberland County, Commonwealth of Pennsylvania. -~~:- ~~.~~~~c-~~;~~a `~` s~~ ~,~-.~_ [Signature] Joan Louise Penny [Printed or typed name of Testator] -,,1-l-: ~ ;~:,~~.,z~-~ [Address of Testator, Line 1] ~~~•~~=,~,,,i~ t:~,,} i) 2_.'r c: [Address of Testator, Line 2] WITNESSES The foregoing instrument, consisting of~_~~ pages, including this page, was signed in our presence by Joan Louise Penny and declared by her to be her last Will. We, at the request and in the presence of her and in the presence of each other, have subscribed our names below as witnesses. We declare that we are of sound mind and of the proper age to witness a will, that to the best of our knowledge the testator is of the age of majority, or is otherwise legally competent to make a will, and appears of sound mind and under no undue influence or constraint. Under penalty of perjury, we declare these statements are true and correct on this first day of May, 2008 at 3 Curtis Avenue, Newburg, Cumberland County, Conunonwealth of Pennsylvania. ~,l ~ i t~~Q (r~1 1~ . ~ u-~. [Signature of Witness #1] [Printed or typed name of Witness # 1 ] [Address of Witness #l, Line 1] [Address of Witness #l, Line 2] .:..:~ i"~~~-~/~-~--~--- C_~~tL -~~~-- [Signature of Witness #2] `~-~-~~~~~~~ ~.,~ "~ ~ [Printed ar typed name of Witness #2] ~% ;2~~'Y plc [Address of Witness #2, Line 1] f,3 -7 -~ ~ [Address of Witness #2, Line 2] ~L,>>' _ ("' : ,~;'`.{- [Signature of Witness #3] ~'~~1 ~ 1 ~~. ~,~~ ~',,~~/];~~,i f- . [Printed or typed name of Witness #3] t [Address of Witness #3, Line 1 ] ('p~ (~~ , ~~ ~ ~~ ~.~, ~,~ [Address of Witness #3, Line 2] SFL,F-PROVING AFFIDAVIT Commonwealth of Pennsylvania County of Cumberland testator ana the witnesses respectively, whose names are signed to the attached instrument in those capacities, personally appearing before the undersigned authority and first being duly sworn, do hereby declare to the undersigned authority under penalty of perj try that the testator declared, signed, and executed the instrument as his/her last will; he/she signed it willingly or willingly directed another to sign for him/her; he/she executed it as his/her free and voluntary act for the purposes therein expressed; and each of the witnesses, at the request of the testator, in his or her hearing and presence, and in the presence of each other, signed the will as witness and that to the best of his or her knowledge the testator was at that time eighteen (18) years of age or older, of sound mind and under no constraint or undue influence. `-"~ sZ~ . ~`J-~=~ ~.,:-~::~~~ ~~.- ~ -,~~.,: ~ [Signature of Testator] Joan Louise Penny_ [Printed or typed name of Testator] _ 3 ~ -~ ~T ~ ~ ~~~ ~ : ~.-~-~ << . [Address of Testator, Line 1 ] ,Z~z ~~ "'S~--.~ ~ d~ -`'~ ~ ~ Z ~ c~ [Address of Testator, Line 2) [Signature of Witness #1] [Printed or typed name of Witness #1] [Address of Witness # 1, Line 1 ] [Address of Witness #l, Line 2] •r /.. r _ ~~~~~~~"~~- - ~~-' ~'L f [Signature of Witness #2] 'r-~T ~i`k>>r ~G:~° `.f~ [Printed or typed name of Witness #2] 1 c~~ f ,~ ~ ~i,,c~~ h ~ , ~, ~ -~ [Address of Witness #2, Line 1 ~-~~ ~=- c su '%~' c/ ~ ~n, i ~" ^ [Address of Witness #2, Line 2] ,1 ~ %~"~~-~~'~ i ;f~~°~~ .-7 r~~ .~~-~~ t~_ ~` • [Signature of Witness #3] ~~~ /,~ J ire r `iv' L C"~ilf~z- r [Printed or typed /~%~-; ~~,~, ~~~,t j;~~., /~~~' L ~r~ ,~~ ,z__ [Address of Witne _~~',~~~ f ~~~ r `r' 1 ~~'~~° r'f~ [Address of Witne rr ~ G~% Subs,~ribed, sworn, and acknowledged before me, ~~' ..~ ~~-~ C' ~~ day of - , 20 ~,,~ . [NOTARIAL SEAL.,] r~ /"~. Notary Pub;~~'s Signature ~~'> ~-~' ~"" ~//~~ <` My Commission Expires: .;~}~u~,a.U,~w~~~ QF PYL.1t6D11A, Notarial Seat Beverly D. S~ntiers, Notary PubgC St. ~omas'fwp., FrankM County My Cornmisslon Explras Jan. 7, 2009 name of Witness #3] ss #3, Line 1] ss #3, Line 2] ~ ~; ~ ~~ ~f~%1~CJ Cz~r~.~ a notary public, by r the testator, and by ,and the witnesses, this r A~1e~nber Pennsylvania Associa[ton of Notarte~ JOHN E. SLIKE ROBERT C. SAIDIS JAMES D. FLOWER, JR CAROL J. LINDSAY JOHN B. LAMPI MICHAEL L.. SOLOMON GEORGE F.:DOUGLAS, III DEAN E. REYNOSA THOMAS E. FLOWER MARYLOU 1vIATAS September 15, 2008 Office of the Register of Wills (:umberland County Courthouse One Courthouse Square Carlisle, PA 17013 Re: Estate of Joan L. Penny File No. 21-08-0532 Dear Sir or Madam: Enclosed are the original and one copy of the Inheritance Tax Return for the above- referenced decedent along with a check in the amount of $7980.96. Also enclosed is a $15.00 check in payment of the filing fee. Please contact me if you have any questions regarding this matter. Very truly yours, LAW OFFICES SAIDIS, FLOWER & LINDSAY A PROFESSIONAL CORPORATION 2109 MARKET STREET CAMP HILL, PENNSYLVANIA 17011 TELEPHONE: (717) 737-3405 -FACSIMILE: (717) 737-3407 EMAIL: tflowerC~sf1-law.com www.sfl-law.com CARLISLE OFFICE: 26 WEST HIGH STREET CARLISLE, PA 17013 TELEPHONE: (717)243-6222 FACSIMILE: (717)243-6486 REPLY TO CAMP HILL SAIDIS, FLOWER & LINDSAY TEF/kar Enclosures Thomas E. Flower ~ , -_ ~ ~ ~ ~ ~~ ~~ ,r ? ~ _. . : -o _;; ~ .r l . ~~'yy ' ~+\s. ~ C., !~ .. ~ ~~•• ~ A z ~ o ~~ ~ ~o ~ oo~ ~ U cv "' ; ~ ~ CfAM a o Q~ ~x o~ a ° "a~~~ N O O O w¢ ~ ~U~~ N U ~ O ~ ~ L A L O ~ O ~ ~ ~.~U ~, ~ V ~ O i ~ ~ G (B OUOU O H ~° ~'` ~~ ~ ~ ~~~ r~ Q ' ~ ~ F < -_ ~ ~,:. ~~ ~ Q, ~~.._ a , ;ss ;~ ~ ~. ~-; -s ~ •'° ~ 3 V