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HomeMy WebLinkAbout02-06-09 (2) 15056051058 REV-1500 EX (os-05) PA. Department of Revenue OFFICIAL USE ONLY Bureau of Individual Taxes PCI BOX 280601 County Code Year File Number INHERITANCE TAX RETURN Hanistxrrg, PA 17128-0601 RESIDENT DECEDENT p~ ~ ~ ~ ~ j ~ 3c~ ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 197-78-8451 11 /30/2007 01 /14/1951 Decedent's Last Name Suffix Decedent's First Name MI SMAJIC ISMET (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 INAPPROPRIATE OVALS BELOW • 1. Original Return 2. Supplemental Return 3. Remainder Return (date of death 4. Limited Estate prior to 12-13-82) 4a. Future Interest Compromise (date of 5. Federal Estate Tax Return Required death after 12-12-82) B. Decedent Dled Testate (Attach Copy of Will) 7. Decedent Maintained a Living Trust 8. Total Number of Safe Deposit Boxes (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 BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED T0 Name : Daytime Telephone Number SANELA ESLINGER (717) 703-2626 Firm Name (If Applicable) REGISTER OF WILLS USE ONLY First line of address ~-~ N 37 JOHNS DR. . _ ~ ' n --i "' ~~ ~ ~ t-n Second line of address _ I '~' ~ ~ _r1 r--- ~ _': ~ I ~ +~ _- w`7 .:.~~ ~-; ^ City or Post Office State ZIP Code DATE FtIL~IDCi t ~ i _ r r 1 ENOLA PA 17025 -° - . _~ ~ „ _ ~ Correspondent's a-mail address: SHAURDIC@VERIZON.NET ~ Under penaltles of penury, I deGare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, It Is true, correct and complete. Declaration of preparer other than the personal representative i b s ased on all SIGNATURE OF P ON RE PONSIBLE~OR FILING RETURN InfonnaUon of which preparer has any kno wledge. (,~ ~ ~ ~ ~ G// ~/ f"" DATE ADDRESS • 37 JOHNS DR. ENOLA, PA 17025 SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE DATE ADDRESS PLEA8E U8E ORIQINAL FORM ONLY 1 505605 1 058 Side 1 L 15056051058 J 15056052059 REV-1500 EX Decedent's Social Security Number Decedent's mama: ISMET SMAJIC 197-78-8451 RECAPITULATION 1. Real estate (Schedule A) ............................................ . 1. 2. Stocks and Bonds (Schedule B) ...................................... . 2. 3. Closely Herd Corporation, Partnership or Sole-Proprietorship (Schedule C} .... . 3. 4. Mortgages J3 Notes Receivable (Schedule D) ............................ . 4. 5. Cash, Bank Deposits & Miscellaneous Personal Properly (Schedule E) ....... . 5. 6. Jointly Owned Property (Schedule F} Separate Billing Requested ...... . 6. 81,450.00 7. Inter-Vivos "transfers & Miscellaneous Non-Probate Property (Schedule Gi) Separate Billing Requested....... . 7. 8. Total Gross Assets (total Lines 1-7) .................................... 8. 81,450.00 9. Funeral Expenses & Administratlve Costs (Schedule H) ..................... 9. 10. Debts of Decedent, Mortgage Liabilities, 8 Liens (Schedule I) ................ 10. 64,000.00 11. Total Deductions (total Lines 9 & 10) ................................... 11. 64,000.00 12. Net Value of Estate (Line 8 minus Line 11) .............................. 12. 17 450.00 13. Charitable and Governmental Bequests/Sec 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. 17,450.00 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 .045 17,450.00 ig. 785.25 17. Amount of Lune 14 taxable at sibling rate X .12 17 18. Amount of Lime 14 taxable at collateral rate X .15 .., 19. TAX DUE ......................................................... 19. 785.25 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT 15056052059 Side 2 L 15056052059 REV-1500 EX Page 3 Decedent's Complete Address: File Number DECEDENTS NAME DECEDENTS SOCIAL SECURITY NUMBER ISMET SMAJIC 197-78-8451 STREETADDRESS 37 JOHNS DR. CITY ENOLA STATE ZIP PA 17025 Tax Payments and Credits: 1. Tax Due (Page 2 Line 19) (1) 2. CreditslPayments A. Spousal Poverty Credit B. Prior Payments C. Discount Total Credits (A + B + C) (2) 3. InteresUPenalty if applicable; D. Interest E. Penalty Total InteresUPenalty (D + E) (3) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Fill in oval on Page 2, Line 20 to request a refund. (4) 5. If Line 1 + Line 3 is greater Ihan 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. (5B) 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 :............................................................. b. retain the right to designate who shall use the property transferred or its income :....................... c. retain a reversbnary interest; or ..................................... . . ......................................................................... . d. receive the promise for life of either payments, benefits or care? .............................................. ........................ ^ 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? ...................... 3. Did decedent own an "in trust for• or payable upon death bank account ar security at his or her death? .............. ^ 4. bid decedent own an Individual Retirement Account, annuity, or other non-protrate property which contains a t~eneficiary designation7 .......................................................................................................... IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE R 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 decedents 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)]. Asibling is defined, under Section 9102, as an individual whip has at least one parent in common with the decedent, whether by blood or adoption. REV-1509 EX+ (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF SCHEDULE F JOINTLY OWNED PROPERTY FILE NUMBER If an asset wee made Joint wkhln one year of the decedenNs data of death, k must be reported on Schedule G. SURVIVING JOINT TENANT(S) NAME ADDRESS RELATIONSHIP TO DECEDENT A• SANELA ESLINGER; 37 JOHNS DR. DAUGHTER ENOLA, PA 17025 B. C. JOINTLY-OWNED PROPERTY: ITEM NUMBER LETTER FOR JOINT TENANT DATE MADE JOINT INSCRIPTION 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 °S OF DECD'S INTEREST DATE OF DEATH VALUE OF DECEDENT'S INTEREST ~ ~ A 09/24/04 162,900.00 50% 81,450.00 TOTAL (Also enter on line 6, Recapitulation) I >! 81,450.00 (If more space Is needed, Insert additional sheets of the same size) REV-1512 EX+ (12-OB) Pennsylvania DEPARTMENT OF REVENUE INNERffANCE'TAX RETURN RESIDENT DECEDENT ESTATE OF SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES & LIENS FILE NUMBER Report debts incurred by the decedent prior to death that remained unsaid ar rti. daF. nF da~~M ~_..~..~~__ ..___._...-___, _ .. _. _._.' -r'_' ,,, ,,,,,,,,,,,,~ ...,~.~ a,,,,~~~„~~o~ anacw u~ me same size. REV-1513 EX+ (11-08) penns~rlvania SCHEDULE ~ DEPARTMENT OF REVENUE INHERITAN[E l'AX RETURN BENEFICIARIES RESIDENT DECIEDENT ESTATE OF FILE NUMBER RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS [Include outright spousal distributions and transfers under Sec. 2116 (a) (1.2).) 1. SANELA ESI_INGER - 37 JOHNS DR. ENOLA, PA 17025 DAUGHTER 50% ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET, AS APPROPRIATE. II NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 2113 FOR WH1CH AN ELECTION TO TAX IS NOT TAKEN 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS 1 TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET I ~ If more space is needed, Insert additional sheets of the same site. SOVEREIGN BANK 10-6438-CS5 601 PENN STREET READING PA 19601 -617 PAGE 1 DATE 11/24/08 HISTORY FOR ACCOUNT 356114231 --------- MAIL -------------------- --------- PROPERTY ---------------- SANELA ]3AURDIC ISMET SIKAJIC 37 JOHNS DRIVE 37 JOHNS DRIVE ENOLA PA 17025 ENOLA PA 17025 ------ DATES ------ ---- CURRENT BALANCES ----- ------- UNCOLLECTED ------- PAID TO 03/01/08 PRINCIPAL 0.00 LATE CHARGES 0.00 NEXT DUE 04/01/08 ESCROW 0.00 OPTIONAL INS 0.00 LAST PMT 03/07/08 UNAPPLIED FUND 0.00 INTEREST 0.00 AUDIT DT 02/11/05 UNAPPLIED CODES FEES 0.00 BUYDOWN FUND 0.00 ------ YEAR TO DATE ------- LAST ACTIVITY BUYDOWN CODE INTEREST 2410.06 ----- 04/09/08 -------------- ------------------ ------------ TAXES --------------- 0.00 ------------- POST TRN DUE TRANSACTION PRINCIPAL INTEREST ESCROW DATE CDE DATE AMOUNT PAID PAID PAID ------ 100306 --- AP ------ -- 100106 ------------- ---- 980.97 --------- -- 148.66 ----------- --- 648.75 ---------- 183.56 110206 AP 110106 983.41 149.41 648.00 186.00 120606 AP 120106 983.41 150.15 647.26 186.00 010507 AP 010107 983.41 150.90 646.51 186.00 020507 AP 020107 983.41 151.66 645.75 186.00 030207 AP 030107 983.41 152.42 644.99 186.00 032607 E96 030107 -465.86 PAYEE = 0021.00005 .00 -465.86 040407 PA 040107 983.41 153.18 644.23 186.00 050207 AP 050107 983.41 153.95 643.46 186.00 060407 AP 060107 983.41 154.71 642.70 186.00 070507 AP 070107 983.41 155.49 641.92 186.00 080307 AP 080107 983.41 156.27 641.14 186.00 081507 E92 080107 -1605.31 PAYEE = 0021.06005 .00 -1605.31 090407 PA 090107 983.41 157.05 640.36 186.00 090507 E20 090107 -279.00 PAYEE = 2452.02719 .00 -279.00 092007 SR 090107 140.59 .00 .00 140.59 100507 AP 100107 983.41 157.83 639.58 186.00 110607 AP 110107 991.41 158.62 638.79 194.00 120707 AP 120107 991.41 159.41 638.00 194.00 011008 AP 010108 991.41 160.21 637.20 194.00 020508 AP 020108 991.41 161.01 636.40 194.00 030708 PA 030108 991.41 161.82 635.59 194.00 032508 PF 030108 127520.09 126956.61 500.87 62.61 032508 FP 030108 27.00 5 RELEASE FEE 032508 FP 030108 25.00 75 P/O PROCESSING FEE 040708 UFS 030108 UNAPPLIED FUNDS (5) 27.00 BALANCE 27.00 040708 SR 030108 27.00 .00 .00 .00 INQ 20 HISTORY FOR F~CCOUNT 356114231 PAGE 2 DATE 11/24/08 --------- MAIL -------------------- -------- - PROPERTY - --------------- SANELA HAURDIC ISMET SMAJIC 37 JOHrfS DRIVE 37 JOHNS DRIVE ENOLA PA 17025 ENOLA PA 17025 POST ---------------------------------------------------- TRN DUCE TRANSACTION PRINCIPAL INTEREST ------------ ESCROW DATE CDE DATE ----- ---- AMOUNT PAID ----------- PAID PAID 040708 ------------- ---- OF 030108 UNAPPLIED FUNDS (5) --------- ------------- -27.00 BALANCE 0.00 040708 M70 030108 -27.00 PAYEE = 6041.00039 .00 .00 040908 E02 030108 -1592.69 .00 .00 -1592.69 END OF HISTORY INQ 20 ~ov+ereign Bank 11 /24/08 SANELA HAURDIC ISMET SMAJIC 37 JOHNS DRIVE ENOLA PA 17025 Understandine Yonr Payment Histor,.y The columns at the top of the history are defined as follows: Mortgage Loan Servicing Customer Service MC: 10-6438-CSS PO Box 12646 Reading, PA 19612 1-800-232-5200 Fax: 800-881-9334 mortserv sovereit;nbank.com POST DATE: This is the date a payment is actually received or a disbursement is actually made. TRN CODE: These are Transaction Codes; the most common are as follows: ~ - Administrative Adjustment A1VtC - Adjustable Rate Change ~ - Payment Applied Electronically L"I' - Additional Principal Payment CWP - Additional Principal with Regular Payment EoI - Escrow Refund as result of escrow Analysis E4o - PMI Payment from Escrow E or M 20-26 - Insurance Payment from Escrow E ar M 90-99 - Real Estate Tax Payment from Escrow FB - Fees Billed FE - Fee Paid FR - Reversal of Paid Fee ~~ - Fees Waived LC'W - Late Charge Waived PA - Payment Applied PF - Payoff Funds Applied PR - Payment Reversal SV - Loan Transferred to another Company OF - Unapplied Funds UI - Uncollected Interest/Fee DUE DATE: This represents the due date for which a payment was applied. TRANSACTION AMOUNT: The total amount of payment, principal curtailment, disbursement, etc. PRINCIPAL PAID: The amount of payment applied to principal. INTEREST PAID: The amount of payment applied to escrow. Late Charges: If there are transaction involving late charges they are displayed on a separate line labeled LAT E CHARGE PYMNT as follows: temple Description F.xamole Description 2g„64 Late Charge Paid -23.64* Amount moved to Unpaid Late Charges ag„64~ late Charge Waived -28.64 Refund of Late Charge Paid Member FDIC. Sovereign Bank and its logo are registered trademarks of Sovereign Bank or its affiliates or subsidiaries in the United States and other countries. I.tr3-3-C1 Re: (13 56 1 1 423 1 OMB NO. 2502-0265 7r A. B. TYPE OF LOAN: U.S. DEPARTMENT OF HOUSING 8 URBAN DEVELOPMENT 1. X~FHA 2.QFmHA 3. ~CONV. UNINS. 4. QVA 5. ~CONV. INS. SETTLEMENT STATEMENT 6. FILE NUMBER: ESLINGER ~ 7. LOAN NUMBER: 189947797 8. MORTGAGE INS CASE NUMBER: C. NOTE: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked '(POCJ" were paid outside the closing; they are shown here for informational purposes and are not included in the totals. 1.0 3198 (ESLINGER.PFD/ESLINGER/18) D. NAME AND ADDRESS OF BOIRROWER: JAMES G. ESLINGER and SANELA ESLINGER E. NAME AND ADDRESS OF SELLER: F. NAME AND ADDRESS OF LENDER: COUNTRYWIDE BANK, FSB 2512 EASTERN BLVD YORK, PA 17402 G. PROPERTY LOCATION: 37 JOHNS DRIVE ENOLA, PA 17025 H. SETTLEMENT AGENT: 23-2402316 PURITY ABSTRACT COMPANY I. SETTLEMENT DATE: March 19 2008 CUMBERLAND County, Pennsylvania PLACE OF SETTLEMENT 3329 Market Street Camp Hill, PA 17011 , Disburse:03124/O8 J. SUMMARY OF BORROWER'S TRANSACTION K. SUMMARY OF SELLER'S TRANSACTION 100. GROSS AMOUNT DUE FROM BORROWER: 400. GROSS AMOUNT DUE TO SELLER 101. Contract Sales Price 401. Contract Sales Price 102. Personal Pro ert 402. Personal Pro ert 103. Settlement Char es to Borrower Line 1400 15,189.60 403. 104. Payoff first mortgage to SOVEREIGN BANK 127,572.09 404. 105. 405. Adjustments For Items Paid By Seller in advance Adjustments For Items Paid 8 Se!!er in advance 106. Count /Tw Taxes to ~ 406. Coun R Taxes to 107. Ci Tax to 407. Ci Tax to 108. School Tax to 408. School Tax to 109. 409. 110. 410. 111. 411. 112• 412. 120. GROSS AMOUNT DUE FROh4 BORROWER 142,761.69 420. GROSS AMOUNT DUE TO SELLER 200. AMOUNTS PAID BY OR IN BEHALF OF BORROWER: 500. REDUCTIONS IN AMOUNT DUE TO SELLER 201. De osit or earnest mone 501. Excess De osit See Instructions 202. Princi al Amount of New Loani s 157,076.00 502. Settlement Char es to Seller Line 1400 203. Epsting loan(s) taken subject to 503. Ebstin loans taken subject to 204• 504. Payoff of first Mortgage 205. 505. Pa off of second Mort a e 206. 506. i 207. _ 507. ; 208. __ 508. i 209. 509. Adjustments For Items Unpaid By Seller Adjustments For Items Un aid 8 Seller 210. Count !Tw Taxes to ~ 510. Count /Tw Taxes to 211. Cit Tax to 511. Cit Tax to 212. School Tax to 512. School Tax to 213. 513. 214. 514. 215. 515. 216. 516. 217. 517. i 218. 518. 219. 519. 220. TOTAL PAID BY/FOR BORROWER 157,076.00 520. TOTAL REDUCTION AMOUNT DUE SELLER 300. CASH AT SETTLEMENT FROM/TO BORROWER: 600. CASH AT SETTLEMENT TOIFROM SELLER: 301. Gross Amount Due From Borrower Line 120 142,761.69 601. Gross Amount Due To Seller Line 420 302. Less Amount Paid B /For Borrower (Line 220) ( 157,076.00) 602. Less Reductions Due Seller (Line 520) 303. CASH ( FROM) (X TO) BOF~?OWER 14,314.31 603. CASH ( TO) ( FRAM) SELLER 0.00 The undersigned hereby acknowledlge receipt of a completed copy of pages 1&2 of this statement & any attachments referred to herein. i Borrower ~, ~ Seller t r G!: wvv~ JAM //„G. ESLINGER ./~ f /~C"~~1 >~sC. ~ ~ ja'r'. SANELA ESLINGER Pa°e 2 L. SETTLEMENT CHARGES 700. TOTAL COMMISSION Based on Price $ % PAID FROM PAID FROM Division of Commission (line 7010 aS FOIIOWS: BORROWER'S SELLER'S 701. $ _ t0 FUNDS AT FUNDS AT 702. $ t0 SETTLEMENT SETTLEMENT 703. Commission Paid at Settlement 704. to 800. ITEMS PAYABLE IN CONNECTION WITH LOAN 801. Loan Ori ination Fee % to 802. Loan Discount 2.0000 % to COUNTRYWIDE BANK, FSB 3,141.52 803. Appraisal Fee to LANDSAFE APPRAISAL SERVICES, INC. POC $415.00 804. Credit Report to LANDSAFE CREDIT, INC. POC $35.00 805. Lender Fee to COUNTRYWIDE BANK, FSB 100.00 806. Flood Cert Fee to LANDSAFE FLOOD DETERMINATION, INC. 26.00 807. Tax Service Fee to 808. Document Prep Fee 809. APPLICATION FEE to COUNTRYWIDE BANK, FSB 524.00 810. FHA MIP (UPFRONT) to COUNTRYWIDE BANK, FSB 2,321.33 811. 900. ITEMS REQUIRED BY LENDER; TO BE PAID IN ADVANCE 901. Interest From 03/24/08 to 04!01108 @ $ 25.820000Iday ( 8 days 6.0000%) 206.56 902. Mort a e Insurance Premium for months to 903. Hazard Insurance Premium for 1.0 ears to NATIONWIDE INS. POC 904. 905. 1000. RESERVES DEPOSITED WITH LENDER 1001. Hazard Insurance 3.000 months $ 24.67 er month 74.01 1002. Mort a e Insurance months $ er month 1003. Count /Tw Taxes 3.000 months $ 38.83 er month 116.49 1004. Cit Tax months $ er month 1005. School Tax 11.000 months @ $ 133.78 per month 1,471.58 1006. _ months $ er month 1007. months er month 1008. AGGREGATE ADJUSTMENT months $ er month -254.05 1100. TITLE CHARGES 1101. Settlement or Closin Fee to 1102. E-Mail Document Retrieval to PURITY ABSTRACT COMPANY 40.00 1103. Title Examination to 1104. Insured Ciosin Letter to First American Title Insurance Co. 35.00 1105. Document Pr aration to PURITY ABSTRACT COMPANY DEED 100.00 1106. Nota Fees to CASH 20.00 1107. Attorney's Fees to includes above item numbers: 110 . Title Insurance to PURITY ABSTRACT COMPANY P.08-068 834.30 includes above item numbe'rs.1101, 1103 80% REISSUE RATE 1109. Lender's Coverage $ 157,076.00 106687442PAL 1 ~ 10. Owner's Coverage $ 1111. PA ENDORSEMENTS:100,300,900 to PURITY ABSTRACT COMPANY 150.00 1112. Overnight Fee/package to PURITY ABSTRACT COMPANY 12.00 1113. Overnight Fee/payoff to PURITY ABSTRACT COMPANY 9.00 1200. GOVERNMENT RECORDING AND TRANSFER CHARGES 1201. Recording Fees: Deed $ 38.50; Mortgage $ 52.50; Releases $ 91.00 1202. Ci /Count Tax/Stam s: Deed • Mort a e 1203. State Tax/Stam s: Revenue Stam s ; Mort a e 1204. RECORDER OF DEEDS 1205. RECORDER OF DEEDS 1300. ADDITIONAL SETTLEMENT CHARGES 1301. Surve to 1302. Pest Ins ection to 1303. TAX CERT FEE to PURITY ABSTRACT COMPANY 5.00 1304. 2008 COUNTY/TWP TAX to DEBBIE LUPOLD, TC 465.86 1305. INHERITANCE TAX ESCROW to PURITY ABSTRACT COMPANY 5,700.00 1400. TOTAL SETTLEMENT CHARGES Enter on Lines 103, Section J and 502, Section 15,189.60 _ _ . _ _._ _. a.._._..__ -_....-...__e_ ........v ..~ ...,,,i. w~o,o.. avYY .., yoyo c ~, vna 1wv yelgo a~elm nnn~. PURITY ABST T A Y Settlement Ag nt Certified to be a true copy. ( ESLINGER /ESLINGER / 19 ) E.J. Koppenhaver F Summary Appraisal Report Uniform Residential A raisal Retort 8737426 / 441-8218710 PP P File# 080228Bk The purpose of this summary appraisal report is to prowde the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property Property Address 37 Johns Drive _ City Enola State PA Zip Code 17025 Borrower Eslinger, James &Sanela Owner of Public Record Sanela Haurdic & Ismet Smaiic County Cumberland Legal Description Deed Book 00265, Page 02499 Assessor's Parcel # 09-15-1288-373 Tax Year 2008 R.E. Taxes $ 2 113.44 Neighborhood Name Laurel Hills North _ Map Reference 6 CoMetro 2471/G 5 Census Tract 0102 02 Occupant ®Owner ^ Tenant ^ Vacant Special Assessments $ N/A ^ PUD HOA $ N/A ^ per year ^ per month Property Rights Appraised ®Fee Simple ^ Leasehold ^ Other (describe) Assignment Type ^ Purchase Transaction ®Refinance Transaction ^ Other (describe) Lender/Client Countrywide Bank FSB / LANDSAFE Address 7105 Corporate Circle Plano TX 15024 Is the subject property currency offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisals ^Yes ®No Report data source(s) used, offering p~nce(s), and date(s). Per MLS the sublect has not been offered for sale within the prior 12 months I ®did ^ did not analyze the contract for sale for the subject purchase transaction, Explain the results of the analysis of the contract for sale or why the analysis was not .performed. There is currently no agreement of sale pending on the sublect property Contract Price $ n/a Date of Contract n/a Is the properly seller the owner of public records ®Yes ^ No Data Source(s) County Records Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? ^Yes ^ No If Yes, report the total dollar amount and describe the terns to be paid. n/a Note: Race and the racial composition of the neighborhood are not aooralsal factors. Nei hbofiood Chgracteiistics One-Unit lious(tt Trends Location ^ Urban ®Suburban ^ Rural Pro a Values ^ Increasin ®Stable ^ Declinin Built-Up ^ Over 75% ®25-75% ^Under 25% Demand/Su I ^ Shorts a ®In Balance ^ Over Su I Growth ^ Rapid ®Stable ^ Slow Markecn Time ®Under 3 mths ^ 3-6 mths ^ Over 6 mths Neighborhood Boundaries Bounded on the east b East Penn Drive on the west b Johns Drive on the north by Wertzville Road and on the south b To Circle. Neighborhood Description The sublect is located in East Pennsboro Townshi Cumberland Coun PA. T One-Unit Housln PRICE AGE $ 000 rs 108 Low New 280 Hi h 20 150 Pred. 12 he nei hborhood cons Present Land Use % One-Unit 95 % 2-4 Unit % Mulg-Famil % Commercial 5 % Other % ists of sin le famil attached and detached homes and commercial ro erties. The sublect is convenient to the arteries and amenities of the rester area. Market Conditions (including support for the above conclusions General marketin conditions in the area are rated as ood as the date of this a raisal. Typical loan discounts in the area are one to three oints and are enerall aid b the bu er with no artici ation from the seller. Dimensions 141.84 x 73.22 x 120.16 x 20.80 Area 0.13 Acre Sha a Rectan ular View Avers e Specific Zoning Classification R2 Zonin Descri tion Residential Zonin Com liance ®Le al Le al Nonconformin Grandfathered Use No Zonin ^ Ille al describe Is the highest and best use of subject pro a as im roved or as ro osed er ions ands ecifications the resent use? ®Yes ^ No If No, describe U1ilNies Public Other (describe;) Public Other (describe) Off-site Im rovemeMs - T Public Private Electricity ® ^ 200 am, Water ® ^ Street As halUAv ® ^ Gas ® ^ Sanita Sewer ® ^ Alle None ^ ^ FEMA Special Flood Hazard Area ^Yes No FEMA Flood Zone C FEMA Ma # 42035900038 FEMA Ma Date 4/15/1977 Are the utilities and off-site improvements ical for the market area? ®Yes ^ No c No, describe Are there any adverse site conditions or external factors easements, encroachments, environmental conditions, land uses, etc. ? ^Yes No If Yes, describe General[?escrlptlon Units ®One ^ One with Accessory Unit # of Stories Two Type ^ Det. ^ Att. ®S-Det./End Unit ~ Exiscng ^ Proposed ^ Under Const. Design (Style) EndUnit/Good Year Built 2003 Effective Age (Yrs) 1 Attic None ^_ Drop Stair ^ Stairs ^ Floor ~ Scuttle ^ Rnished ^ Heated _ Foundation ^ Concrete Slab ^ Crawl S ace Full Basement Partial Basement Basement Area 1 008 s .tt. Basement Finish 0 % ^ Outside E /Exit ^ Sum Pum Evidence of Infestation ^ Dam Hess ^ Settlement Heacn FWA HWBB Radiant Other Fuel Gas Coolln Central Air Condiconin ^ Individual ~ ^ Other ExterforDescrl lion materials/condition (rl)erlor materials/condition Foundation Walls Concrete/Av Floors C Win/Av Exterior Walls Vin I/Brick/Av Walls D all/Av Roof Surface As haltShin !Av TriMFlnish ColoniaUAv Gutters & Downs outs Aluminum/Av Bath Floor Vin I/Av Window T e Doublehun /Av Bath Wainscot Fiber lass/Av Storm Sash/Insulated Thermo aneslAv Car Stora a None Screens N/A Drivewa # of Cars 2 Amenices Woodstove s # Drivewa Surface As halbAv ^ Fire laces # ^ Fence ^ Gara e # of Cars Paco/Deck Porch Ca ort # of Cars ^ Pool ®Other Stoop ^ Att. I-l Det. f-I Built-in ^eNnau~oo U ncniya awl u nanur;,~uven u ursnwasner U uisposal U Microwave U Washer/Dryer ^ Other (describe) _Finished area above grade contains: 6 Rooms 3 Bedrooms 2 Bath(s) 1,872 Square Feet of Gross Livin Area Above Grade Addiconal features (special ener y efficient items, etc.). Shed thermopane windows rear deck front stoop offstreet parking Describe the condition of the property (including needed repairs deterioration renovations remodeling etc) The sublect is average quality in very good condition There is no economic or functional obsolescence. There are no physical inadequacies and no repairs are required The roof appears to be in good condition with no evidence of leaks on the interior. Are there any physical deficiencies or adverse conditions that affect the livability soundness or structural integrity of the property ^Yes ®No If Yes describe Does the property enerally conform to the nei hborhood functional util' , s le, condition, use, construction, etc. ? Yes ^ No If No, describe Freddie Mac Form 70 March 2005 Page 1 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE i Bk rt 8737426/441-8218710 Uniform Residential Appraisal Re o p There are 0 comparable pro erties current! offered for sale in the subject nei hborhood ran in in rice from $ File ~ 080228Bk There are 7 com arable sales in the subject nei hborhood within the ~- 150 000 to $ 170 000 ast twelve months ran in in sale rice from $ 15 _ FEATURE 0 000 to $ 170 000 SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 Address 37 Johns Drive 43 Johns Drive COMPARABLE SALE # 3 Enola PA 17025 Enola PA 17025 124 Tory Circle 175 Tory Circle Proximit to Sub'ect _ 0 01 miles S Enola PA 17025 Enola PA 17025 Sale Price _ . $ ~- 0.20 miles NE 0 17 miles NE _ n; a $ Sale Price/Gross Liv. Area $ a7 0~ ~ tt~$ 98.04 s .ft. 160.000 ~ ~ 152 000 $ 159,000 Data Source(s) ~ MLS 95.00 s .tt. $ 120.09 s .ft. Verification Sources Coun Records MLS Coun Record MLS VALUE ADJUSTMENTS Sales or Rnancing s Coun Records DESCRIPTION DESCRIPTION + - $ Adjustment DESCRIPTION + - $ Adjustment DESCRIPTION + - $ Adjustment Concessions FHA/46 DOM I FHA/17 DOM Conv/21 DOM Date of Sale/Time None 112/28/2007 $1000 None Location Avera a Avera a 11/16/2007 2/22/2008 Leasehold/Fee Sim le Fee Sim le Fee Sim le Avera a Avera e Site 0.13 Acre 0 09 Acre Fee Sim le Fee Sim le View . Avera a Avera a 0.07 Acre 0.07 Acre Desi n S le EnciUnit/Good Twnhse/Good Avera a +1 000 EndUnit/Good Avera e Quali of Constriction Vin UBrick/Av Vin UBrick/Av Vin UBrick/Av Twnhse/Good +1 000 Actual Age 5 5 Vin I/Brick/Av Condition Avera a Avera a 9 Avera a 10 Above Grade Total Bdrms. Baths Total Bdrms. Baths Total Bdrms Baths Avera e Room Count 6 3 2 6 3 2 . Total Bdrms. Baths Gross Livin Area Basement & Finished 1 872 s .ft. 1 632 s .ft. 6 3 2 + 1 900 1 600 s .ft. 6 3 1.1 + 1 500 +2 200 1 324 s ft + 4 400 Rooms Belaw Grade 100%/0% 100%/0% Nor ° ° 100 /°!0 /° . . 100%/50% Functional Utlli se None Avera a Avera a None Famil Room Heatin Coolin GFWA/Cent GFWA/Cent Avera e GFWA/Cent Avera e Ener Efficient ttems Thermo anes Thermo anes Thermo an GFWA/Cent Gara e/Car ort Offstreet Offstreet es Thermo anes PorclUPatio/Deck Deck Deck Offstreet 1 Car Att -2 500 Deck/Patio -500 Deck/Stoo Net Adjustment (Totaq Adjusted Sale Price i ®+ ^ - $ i 2 900 ®+ ^ - $ 1 700 ®+ ^ - $ 4 400 of Com arables ,Net Adj. 1.8 % ~ Gro Ad' Net Ad'. 1.1 % ~ Net Adj. 2.8 % ss . 1.8 % $ 162 900 Gross Ad'. 1.8 % $ I did did not research the sale or transfer histo of the subje t 153 700 Gross Ad'. 5.9 % $ 163 400 c roe a nd com arable sales. If not, ex lain My research ^did ®did not reveal an rior sales or transfers of the subject Dat S roe for the three ears rior to the effective date of this a rais l a ource(s) County Records a . My research ^did ® Data S did not rew:al an rior sales or transfers of the com arable sales for the ear rior to the date of sale of the com arable s l ource(s) County Records a e. Report the results of the research and anal sis of the rior sale or transfer histo of the b' t ITEM su ec SUBJECT COMPARABLE Date of Prior Sale/Transfer 09/30/2004 9/24/2003 None in Last Price of Prior Sale/Transfer 1.00 131900.00 36 Months Data Sources Coun Records Coun Records Effective Date of Data Sources 3/4/2008 3/4/2008 Anal sis of prior sale or transfer histnrv of the s~~niarr ~.,,°ofi, ~.,d ..............~.i,. -_i__ _ a of Sales Cos ion as the roe and com arable sales re ort additional r ior sales on a e 3 . SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3 None in Last None in Last 36 Months 36 Months Coun Records Coun Records 3!412008 3/4/2008 for or Indicated Value b Sales Com arison A roach $ 162 900 Indicated Value by: Sales Comparison Approach $ 162 900 Cost Approach (If developed) $ Na Income Approach (if developed) $ n/a The direct sale comparison appn~ach is considered to be the most accurate method of achievin fair market value. Insufficient data was available to develop the income approach Any unauthorized changes to this appraisal after it has been signed will void the appraisal This appraisal is made ®"as is", ^ subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed, ^ subject to the following repairs or alterations on the basis of a hypothetical condition that the re airs or alterations have been com leted, or following required inspection based on tfN; extraordinary assumption that the condition or deficiency does not requi a alteration or repair This appraisal is based one thte the _subiect in "as is" condition Based on a complete visual Inspection of the lnter(or and exterior areas of the subject property, defined scope of work, statement of assumptions and limiting conditions, and appraiser's certification, my (our) opinion of the market value, as defined, of fhe real ro S 162,900 , as of 3/3/2008 which is the date of ins Ion and the effective date of this ahe reisaej,ct of this report is Freddie Mac Form 70 March 2005 Page 2 of 6 Fannie Mae Form 1004 March 2005 Form 1004 - "WinTOTAL" appraisal software by a la mode, Inc. -1-800-ALAMODE 8737426/441-8218710 Uniform Residential Appraisal Report File# 0802286k 21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; govemment sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). 22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. , SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that: 1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law. 4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. ~~5~: ` If this appraisal report ~Nas transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. APPRAISER - Signature Name Ed en ate Cert. RE Appraiser ' Company N e `~ Koppenhaver Appraisals Company Address 2116 Sauthpoint Drive, Suite B, Hummelstown, PA 17036 Telephone Number (717) 583-0306 'Email Address ed@bestappraisers.com ~~ gte;'~f Signature and Report. March 04, 2008 t~'~ive Date Of Appraisal 3/312008 _-(~8-tl , C8tI0n # RL001154L k''~. State # fi' ~1 ;piration Date of Certification or License s/3o/2oos )DRESS OF PROPERTY APPRAISED RAISED VALUE OF SUBJECT PROPERTY $ 162,900 ~~ ° Atlantic South Division ~~78ny ~Vam6 ' Countrywide Bank FSB / LANDSAFE npany Address 7105 Corporate Circle, Plano, TX 15024 Address SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name Company Address Telephone Number Email Address Date of Signature State Certification # or State License # State Expiration Date of Certification or License SUBJECT PROPERTY ^ Did not inspect subject property ^ Did inspect exterior of subject property from street Date of Inspection ^ Did inspect interior and exterior of subject property Date of Inspection COMPARABLE SALES ^ Did not inspect exterior of comparable sales from street ^ Did inspect exterior of comparable sales from street Date of Inspection Frt~ddle Mac Fdrrri'~O March 2005 ;~ Page 6 of 6 Form 1004 - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMOOE Fannie Mae Form 1004 March 2005 THIS DEED ~~-~ ~ TAX PARCEL NO. 09-15-1288-373 Made the ~__ day of MARCH, 2008, BETWEEN SANELA ESLINGER, a married woman, formerly known as SANELA HAURDIC, herein designated as the Grantors, AND JAMES G. ESLINGER and SANELA ESLINGER, husband and wife, herein designated as the Grantees, V6'ITNESSETH, that the Grantor, for and in consideration of ONE ($1.00) DOLLAR lawful money of the United States of America, to the Grantors in hand well and truly paid by the Grantees, at or before the sealing and delivery of these presents, the receipt whereof is hereby acknowledged ;and the Grantors being therewith fully satisfied, do by these presents grant, bargain, sell and convey unto the Grantees forever, their heirs and assigns, ALL THAT CERTAIN piece or parcel of land situate in the Township of East Pennsboro, County of Cumberland and Commonwealth of Pennsylvania, bounded and described as follows, to wit: BEGINNING at: a point on the western right-of--way line of Johns Drive, at the northernmost corner of Lot No. 230 on the hereinafter Final Subdivision Plan; thence along the northern line of said Lot No. 230 South forty-one (41) degrees forty-eight (48) minutes two (02) seconds West, a distance of one Hundred forty-one and eighty-four one-hundredths (141.84) feet to a point on the eastern line of Lot No. 19 of Sherwood Park; thence along the eastern line of said Lot No. 19, North eighteen (18) degrees twenty-six (26) minutes zero (00) seconds West, a distance of seventy-three and twenty-two one-hundredths (73.22) feet to a point at the southwest corner of Lot No. 232 on the hereinafter described Final Subdivision Plan; thence along the southern line of said Lot No. 2:32, North sixty-three (63) degrees ten (10) minutes sixteen (16) seconds East, a distance of one hundred twenty and sixteen one-hundredths (120.16) feet to a point on the western right-of--way line of Johns Drive; thence along the western right-of--way line of Johns Drive, by a curves to the left, having a radius of one hundred seventy-five and zero one- hundredths (175.00) feet, an arc length of twenty and eighty one-hundredths (20.80) feet, to a paint at the northernmost corner of Lot No. 230 on the hereinafter described Final Subdivision Plan, the point anal place of BEGINNING. BEING Lot No. 231, Final Subdivision Plan of Laurel Hills North, Phase 5, dated June 5, 2001 last revised July 12, 2001, recorded in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, in Plan Book 83, Page 113. HAVING THEREON ERECTED a dwelling known and numbered as 37 Johns Drive UNDER ANI) SUBJECT, nevertheless, to all restrictions, reservations, conditions, covenants, easements and. rights of way of prior record. BEING THE SAME PREMISES which ALMIR HAURDIC and SANELA HAURDIC, husband and wife, by deed dated September 24, 2004 and recorded September 30, 2004 in the office of the Recorder of Deeds in Cumberland County in Deed Book 265 page 2499, granted and conveyed unto SANELA HAURDIC and ISMET SMAJIC, daughter and father, the Grantors herein. Reference is hereby made to the Decree in Divorce dated December 21, 2005 and recorded in the Municipal Court of Sarajevo, Federation of Bosnia and Herzegovina to No. P-2178/05 Said ISMET SMAJIC died November 30, 2007, vesting sole interest in the property to his daughter SANELA HAURDIC as surviving joint tenant. SANELA HAURDIC has since married and is now known as SANELA ESLINGER. IVANKA SMAJIC joins in the signing of this deed to release any marital interest she may have in the property as the widow of ISMET SMAJIC THIS DEED IS A TRANSFER FROM WIFE TO HUSBAND AND WIFE, AND IS THEREFORE EXEMPT FROM ANY REAL ESTATE TRANSFER TAX. TOGETHER. with all and singular the buildings, improvements, ways, woods, waters, watercourses; rights, liberties, privileges, hereditaments and appurtenances to the same belonging or in anywise appertaining; and the reversion and reversions, remainder and remainders, rents, issues and profits thereof, and of every part and parcel thereof; AND also all the estate, right, title, interest, uise, possession, property, claim and demand whatsoever of the Grantor both in law and in equity, of, in and to the premises herein described and every part and parcel thereof with the appurtenances. TO HAVE AND TO HOLD all and singular the premises herein described together with the hereditaments and appurtenances unto the Grantee and to Grantee's proper use and benefit forever. AND the Grantor covenants that, except as may be herein set forth, she does and will FOREVER SPECIALLY WARRANT AND DEFEND the lands and premises, hereditaments and appurtenances hereby conveyed, against the Grantor. In all rei-erences herein to any parties, persons, entities or corporations, the use of any particular gendex or the plural or singular number is intended to include the appropriate gender or number as the text of the within instrument may require. Wherever in this instrument any party shall be designated or referred to by name or general reference, such designation is intended to and shall have the same effect as if the word weirs, executor;;, administrators, personal or legal representatives, successors and assigns" had been inserted after each and every such designation. IN WITNESS WHEREOF, the Grantor has hereunto set her hand and seal, or if a corporation, it has caused these presents to be signed by its proper corporate officers and its corporate seal to be affixed hereto, the day and year first above written. SIGNED, SEALED AND DELIVERED in the presence of ~~ or ATTE 'TE by ~ WITNESS ~r'x'~~ ~ ~.r,~/~ r SAN//ELA HAURDIC WITNESS now known as SAN LA ESLINGER /~' ~~, ~~ WITNESS `/~~~~'~- "~'~ /t, IVANKA SMAJIC COMMONWEALTH OF PENNSYLVANIA, COUNTY OF :ss BE IT REMEMBERED, that on , 2008, before me, the subscriber, personally appeared, SANELA HAURDIC, now known as SANELA ESLINGER, and NANKA SMAJIC, known to me (or satisfactorily proven) to be the person whose name is subscribed to within deed and acknowled'.ged that she executed the same for the purposes therein contained. WITNESS my hand and seal the day and year aforesaid. NOTARY PUBLIC My Commission Expires: (SEAL) The undersigned certifies that the precise residence and complete post office address of the Grantee is: COMMONWEALTH OF PENNSYLVANIA COUNTY OF RECORDED on this __ day of Office of the said County, in Deed Book , 2008, in the Recorder's ____, Page --_• GNEN under my hand and the seal of the said Office, the date above written. Recorder OV/NERS AFFIDAVIT-PENNSYLVANIA FTPA-7 (REVISED 2/04) FIRST AMERICAN TITLE INSURANCE COMPANY COMMITMENT NO. P.08-068 PREMISES: 37 JOHNS DRIVE, ENOLA, PA COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND: ON THE ~~ DAY OF MARCH 2008, before me, the undersigned Officer, personally appeared JAMES G. ESLINGER and SANELA ESLINGER, husband and wife, ~=~~ ~~~ ~ initials who being duly sworn according to law and intending to be legally bound, depose(s) and say(s) that the following statements are true and correct to the best of my/our knowledge and belief: That the Grantor(s)/Mortgagor(s) herein is/are the owner(s) of premises being insured hereunder and the same Grantee(s) as named in the Deed Book recitals set forth in the above captioned commitment, and that the facts of identity relating to any other person(s) named in the Deed Book recital(s) are true and correct. That there are no mortgages, judgments, encumbrances, easements, bankruptcies, or pending suits adversely affecting the owner(s) and the premises which are known to the undersigned and not being properly provided for in this transaction. That there have been no repairs, additions or improvements made, ordered or contracted to be made on or to the premises, within four (4) months from the date hereof, nor are there any improvements or fixtures attached to the premises which have not been paid for in full; and that there are no outstanding or disputed claims for any such work or items. That there has been no work done, or notice received that work is to be done, by the Municipality (City, Borough or Township), or at its direction, in connection with the installation of sewer or water or for improvements such as paving or re-paving of streets or alleys, or the installation or repair of curbs or sidewalks. That no notice has been ;served by any governmental authority for the removal or abatement of any nuisance, for the violation of any zoning regulations or concerning the condemnation of any portion of said premises. That there has been no violation of any restrictions affecting the premises. That there are no purcha~;e money obligations being created in this transfer. That the Grantor(s)/Mortg;agor(s) in this transaction is/are in actual possession of the entire premises, and there are no leases or agreements affecting the premises or any part thereof outstanding, other than those that are presently being assigned. That the present transaction is not made for the purpose of hindering, delaying or defrauding any creditors of said owner(s) and does not come within the provisions of any Bankruptcy or Insolvency Acts. That the Grantor(s)/Mortgagor(s) in this transaction are over 18 years of age and in every respect competent to convey or encumber tlhe title to the premises in question That the Grantor(s)/Ls~ssor(s) has/have not received a notice of claim from any Real Estate Broker claiming a right to a lien in accordance with Act 34 of 1998. That all homeowner's association fees, if applicable, taxes, sewer and water rents, or other lienable municipal services .assessed, levied or filed against the said premises as of the date of this settlement are fully paid That as to each Grantor/Mortgagor who is an individual: A. That the Grantees in the last Deed of record, if identified therein as husband and wife (tenants by the entirety), have not been divorced from each other at any time since their acquisition of title. That any interest in the premises has never been awarded or distributed to or liened in favor of any current or former spouse nor is his/her interest in the premises subject to the continuing jurisdiction of any court fors port obligations or possible future awards or distributions to any current or former spouse. L- ~:. 5 L initial. B. That there are no Overdue Support Obligations of record with the Domestic Relations Section of any Court through the date of recording the instrument(s) to be insured. This affidavit is made far the purpose of inducing First American Title Insurance Company or its duly authorized agent to hold settlement on the above premises, and to issue its title insurance policy, insuring the tip thereto and to make disbursement of funds arising out of said transaction. 1 ~7 WITNES ~, %' J~(MES G. ESLINGE ~ WITNESS SANELA ESLINGE SWORN TO AND SUBSCRIBED the day and year aforesaid. NOTARY PUBLIC U3/1l/'1008 QED 9:10 F.9~ 610 685 9033 So~ereig~ BaIlk f~U01/UU~ SOVEREIGN BANK RTTN: 10-6438-P05 601 PENN STREET READING, PA 19601 `wRESIDENTIAL MORTGAGE PAYOFF QUOTEww 03/12/08 LOAN :NILJI"IBER: 0356114231 PRIMARY BORROWER'S NAME: PROPERTY ADDRESS: SANEL;A FiAURDIC - 37 JOHNS DRIVE ENOLA PA 17025 SENT 7°O: PURITY ABSTRACT CO FAX 717-441-2534 RS OF 03/12/08 THE STATUS OF ?HIS LOAN IS AS FOLLOWS: TAXES YTD ESCROW gAI,p,N~ INTEREST PAID TO PER DIEM INTEREST --------- -------------- ---------------- ----------------- _00 1530.08 03/01/08 20.8696 INTEREST RATE CALCULATED TO _______________ INTEREST DUE ---------- --- ------------- 6.00000 03/24/08 480.00 w w w PAYOFF AMOUNT C}LT C(TI,p~TION W w w ---------------- ------------ PRINCIPAL BALANCE INTEREST CALCULATED TO 03/24/08 126956.61 ACCUMUZ,ATED LATE CHARGE BALANCE 480.00 LIFE/AH ZiVSiIRANCE CALCULATED TO 03/24/08 0.00 ESCROW/IMPOUND ADVANCE BALANCE 0.00 PAYOFF ;PROCESSING FEE AND/OR OTHER FEES 0.00 RECORDI]VG FEE 25.00 PREPAYhD-~7T PENALTY FEE 27.00 0.00 LESS UNRPPLIED FUNDS " TOTAI~ REQIIIRED TO PAY LOAN OFF** 0.00 127488,61 PMI/FT~iA TO BE DEDUCTED FROM ESCROW BALANCE 0.00 PAYOFF PREPARED BY: i91VY QUESTIONS, PLE S 03/12/08 -800-232-5200 PAGE 1 OF 2 ~© S ~, Fee ~'unple T,~eed: Individual or Corporate WPSS No. 00005141 THIS IS A CON`~EYANCE FROM HUSBAND AND WIFE TO WIFE AND WIFE'S FATHER; AND, THEREFORE, IS EXEMPT FROM TRANSFER TAXES. This Indenture made this 24th day of September, 2004 Between Almir~ Haurdic and Sanela Haurdic, husband and wife, of Cumberland County, Pennsylvania (hereinafter called the Grantor/s), of the one part AND Sanela Haurdic and Ismet Smajic of Cumberland County, Pennsylvania (hereinafter called the Grantee/s), of the other part, AS JOINT TEIIANTS WITH THE I'.IGIIT OF SURWI~,IORSHIP Witnesseth That in consideration of One an 00/1.00 ($1.00) Dollars, in hand paid, the receipt whereof is hereby acknowledged, the said Grantor/s do/does hereby grant and convey unto the said Grantee/s, their heirs and assigns, ALL THAT CERTAIN piece or parcel of land situate in the TOWNSHIP OF EAST PENNSBORO, County of Cumberland and Commonwealth of Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the western right-of--way line of Johns Drive, at the northernmost corner of Lot No. 230 on the hereinafter Final Subdivision Plan; thence along the northern line of said Lot No. 230, South forty-one (41) degrees forty-eight (48) minutes two (02) seconds West, a distance of one hundred forty-one and eighty-four one-hundredths (141.84) feet to a point on the eastern line of Lot No. 19 of Sherwood Park; thence along the eastern lien of said Lot No. 19, North eighteen (18) degrees twenty-six (26) minutes zero (00) seconds West, a distance of seventy-three and twenty-two one- hundredths (73.22) feet to a point at the southwest corner of Lot No. 232 on the hereinafter described Final Subdivsion Plan; thence along the southern line of said Lot No. 232, North sixty-three (63) degrees ter. (10 trainu~tes sixteen (161 seconds East, a distance of one hundred twenty and sixteen one-hundredths (120.16) feet to a point on the western right-of--way line of Johns Drive; thence along the western right- of-way line of Johns Drive, by a curve to the left, having a radius of one hundred seventy-five and zero one-hundredths (175.00) feet, an arc length of twenty and eighty one-hundredths (20.80) feet, to a point at the northernmost corner of Lot No. 230 on the hereinafter described Final Subdivision Plan, the point and place of BEGINNING. CONTAINING 5,75CI square feet, more or less. BEING Lot No. 231, Final Subdivision Plan of Laurel Hills North, Phase 5, dated June 5, 2001, last revised July 12, 2001, recorded in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, in Plan Book 83, Page 113. BEING the same premises which Laurel Hills Development Corp., a Pennsylvania Corporation, by Deed dated the 19th day of September, 2003, and recorded at Cumberland County in the Office of the Recorder of Deeds, in and for the County of Cumberland, on the 24th day of September, 2003, in Record Book 259, Page 2421, granted and conveyed unto Almir Haurdic and Sanela Haurdic, Husband and wife. UNDER AND SUBJ1<:CT TO restrictions and conditions as now appear of record. UPI NO. 09-15-1288-373 9~i Vision Form SDD0IPA Rev. 05/27/99 ~~o~ 265 rnc~24~~ ~, Cn -, rn ~-~ ~ ~ C..1 - d -, ~.. _:s -o - :_> ~ ; . _: ._. -,~ :rrc~-n N ~:~; C7J 1•~I1C~ thd' said Grantor/s do/does hereby covenant to and with the said Grantee/s that he/she/the /it the sai Grantor/s for themiselves/himself/herself/itself SHALL AND WILL by these presents, SPECIALLY, Warrant and forever Defend the herein above described premises, with the hereditaments and appurtenances, unto the said Grantee/s their/his/her heirs/its successors and assigns, against the said Grantor/s and against every other person lawfully cla~.iming or who shall hereafter claim the same or any part thereof, by, from or under him/her/it or any of them. IN WITNESS WHEREOF, the said Grantor/s has/have caused these presents to be duly executed, the day and year first above written. Sealed and Delivered in the presence o ~ ~ ~~ ~,~ ~ v' I ~ ~.~~ ~ ~ ` Cl l ~-u r'c~.~ ~ (Seal) Almir Haurdic ,~~ ~j ./ Sanela Haurdic (Seal) Commonwealth of Pennsylvania: County of Cumberland: On this, the 24th day of September, 2004, before me, the undersigned officer, personally appeared Almir Haurdic and Sanela Haurdic known to me (or satisfactorily proven) to be the persons whose name/s is/are subscribed to the within instrument and acknowledged that he/she/they executed the same for the purposes therein contained. COMMONWEALTH OF PENNSYLVANIA ~ Notarial Seal Notary Public ~Aeiissa C. Miller, Notary Public West Manchester Twp., York County My Cornrriissian Expires May 11, X008 P~dernhet ~ .`'enns,viv~n ^.ssoria+~nn Of Notaries I here'vy certify that the p,-Poise address of the Grantee is 37 Johns Drive, Enola, PA 17025 Agent for Grante ,t , ti,,,1 .~ V y P"...v l /~ }~ , ~ per. '~~OOf( ,~' °~AG~~ ~ Vislon Fonn SDD01 PA Rev. 05/27/99 e ~5~ ~ ~~, ~~~~~~~ ~-~ ~_ ;,~ ~.- ~3 SAP 2`f P(~ 3 2~f ~~~~ Tax Parcel No. THIS DEED, made this f ~~ day of ~ ~~~ ~~ ~~`- in the year of our Lord two thousand three (2003) BETWEEN LAUREL HILLS DEVELOPMENT CORP., a Pennsylvania corporation, with its principal place of business located at 220 Tory Circle, Enola, (East Pennsboro} Cumberland County, Pennsylvania, Grantor, AND ALMIR HAURDIC and SANELA HAURDIC, husband and wife, WITNESSETH Grantees, In consideration of the sum of ONE HUNDRED THIRTY-ONE THOUSAND NINE HUNDRED DOLLARS ($131,900.00) in hand paid, receipt whereof is hereby acknowledged, the said Grantor does hereby grant and convey unto the said Grantees: ALL THAT CERTAIN piece or parcel of land situate in the Township of East Pennsboro, County of Cumberland and Commonwealth of Pennsylvania, bounded and described as follows, to wit: BEGINNING at a point on the western right-of-way line of Johns Drive, at the northernmost corner of Lot No. 230 on the hereinafter described Final Subdivision Plan; THENCE along the northern line of said Lot No. 230, South 41 degrees 48 minutes 02 seconds West, a distance of 141.84 feet to a point on the eastern line of Lot No. 19 of Sherwood Park; THENCE along the eastern line of said Lot No. 19, North 18 degrees 26 minutes 00 seconds West, a distance of 73.22 feet to a point at the southwest corner of Lot No. 232 on the hereinafter described Final Subdivision Plan; THENCE along the southern line of said Lot No. 232, North 63 degrees 10 minutes 16 seconds East, a distance of 120.16 feet to a point on the western right-of-way line of Johns Drive; THENCE along the western right-of- way line of Johns Drive, by a curve to the left, having a radius of 175.00 feet, an arc length of 20.80 feet, to a point at the northernmost corner of Lot No. 230 on the hereinafter described F=inal Subdivision Plan, the point and place of BEGINNING. CONTAINING 5,750 square feet, more or less. BEING Lot No. 231, Final Subdivision Plan of Laurel Hills North, Phase 5, dated June 5, 2001, last revised July 12, 2001, recorded in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, in Plan Book 83, Page 113. BEING improved with a townhouse dwelling known as 37 Johns Drive. SUBJECT TO an Easement for utility installation and maintenance which is reserved on all lots and such other easements, as may be shown in recorded documents, granted to Public Utility Companies for utility purposes. Electric service will be supplied only from the underground distribution system in accordance with then current PP&L Company Tariff provisions. UNDER AND SUBJECT, NEVERTHELESS to restrictions, easements, set-back lines and conditions as now appear of record including, but not limited to, Declaration of Covenants and Restriction:> applicable to Final Subdivision Plan for Laurel Hills North, Phase 5, East Pennsboro Township, Cumberland County, Pennsylvania, dated September 14, 2001, and recorded iri the Office of the Recorder of Deeds of Cumberland County, in Miscellaneous Book 681, Page 601. FURTHER UNDER AND SUBJECT to a thirty (30) foot wide drainage easement, and ten (10) foot wide pedestrian easement, across the western portion of the premises, as shown on the above-referenced Final Subdivision Plan. BEING PART OF THE SAME PREMISES WHICH Mid State Development, Inc., by its deed dated December 22, 1986 and recorded in the Office of the Recorder of Deeds of Cumberland County, Pennsylvania, in Deed Book J, Volume 32, Page 967, granted and conveyed unto Laurel Hills Development Corp., the Grantor herein. And the said Grantor hereby covenants and agrees that it will warrant specially the property hereby conveyed. _..i ' i a • ry~ 'L :la. f"+'.t Y'~'1 YTY ,. c-.i ::"r -..r t g l ;._.. rfJ ~a ,~..~ °t- 17'_+ rC, [-':, r`J n-t f:f7 C,rJ 1"+"1 f"~l Pry ~=* u, - iu 3 ~ ~ +-+• r•~~ H-~ : is ~ rs? --i r1} Y J i i .T' :a ~ =- [..fi fL .-h TM -,~ .,1;, r,-, ,~. 'r: ~~ ~ :~, " S. .~ T~ C'7 '~ ..~- -r't jT Ory rLv -2'Ts CJ ~ -• ..^~ ra w rr o -., us y:F •iriF ~d~' rF C-.~ i-.r. f.~. ca ~: a 4.~ _ ,_~ rr tr. rig ~ ~ . _ _ _ .rj ~-~;~nc:.~.="-~r;rr(%n c7 =nrrf w, r•.el IN WITNESS WHEREOF, the said Grantor has hereunto caused the execution of these presents by its proper officers and its corporate seal affixed the day and year first above-written. 7~a ~r ,~,"~~ ~;~. ~..''" .. ti's". _ - ~~.~~~,~ ~~ Yi~~~ ~~EST g4~ X ~ ; ;ti,~ f~,: ~?~ ~~- Secretary LAUREL HILLS DEVELOPMENT CORP. r';- (Vice) President COMMONWEALTH OF PENNSYLVANIA : ss. COUNTY OF ~.,~>t l~~ (a,l~~ , On this the ~~ ' ~ day Of ` ~/~C~/L 2nC1~ F-afnra me ~ .,,,+~r.. .,~ ~4.r,. +w,. ..~, .. ~ wow y h+uu~w, a is un ersigne~~ ~of~fs ~e~r, personally appeared c - ~ ,who acknowledged himself by being the ~lcx rx~Sicl'tr.U of LAUREL HILLS DEVELOPMENT CORP., a Pennsylvania corporation, and that he as such officer, being authorized to do so, executed the foregoing instrument for the purposes therein contained, by signing the name of the corporation by him as President. IN WITNESS WHEREOF, I have set my hand and official seal. J. ~ Q Nota Public ~ ~ - -~ ~... ,,s~;;,, ' Notari l S Q~`s -~ 5 ~$~~ ~,,:. ~ . 4 _ r a eal Krisiee K. Myers, Notary public LerTlpy~e ~n ~ ~44 ~*' ~~~ ~,,,,. - ~ ~ ~ ~ R7 ~eC. ~~ . Me-nber, Pennsylvania Associ ti a on Of Notaries -3- IIODi( 259 ~~cE242~ I hereby certify that the precise residence and complete post office address of the within named Grantees is: 37 Johns Drive, Enola, PA 17025 ~~ ~ At ey for Gra ~ es COMMONWEALTH OF PENNSYLVANIA . . ss. COUNTY OF CUMBERLAND RECORDED on this day of the said County, ini Deed Book ,Volume ,Page A. D. 2003, in the Recorder's office of Given under my hand and the seal of the said office, the date above written. :216839 -4- Recorder ~: I't'_ C t31'C~LI.~ ., r+.Qilll~.y ~r'~ ~~ :~.~:~~ of Deeds