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Home My WebLink About09-23-09 (3)J 1505607120 REV- ^ SOO EX (06-05) OFFICIAL USE ONLY PA Department of Revenue County Code Year File Number Bureau of Individual Taxes INHERITANCE TAX RETURN 2 1 0 9 3 7 3 PO 60X.280601 Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 201 16 2813 12 27 2008 12 18 1925 Decedent's Last Name Suffix Decedent's First Name MI SNYDER NORMA R (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW ~, 1. Original Return ~ 2. Supplemental Return ^ 3, Remainder Return (date of death prior to 12-13-82) '~_J 4. Limited Estate ~ qg. Future Interest Compromise ~ 5. Federal Estate Tax Return Required (date of death after 12-12-82) I v I 6 Decedent Died Testate ~ Decedent Maintained a Living Trust L^~ (Attach Copy of Will) ^ (Attach Copy of Trusq 8. Total Number of Safe Deposit Boxes 9. Litigation Proceeds Received 1 p. Spousal Poverty Credit (date of death '~'~ ^ between 12-31-91 and 1-1-95) ^ 11. Election to tax under Sec. 9113(A) (Attach Sch. O) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number MICHAEL L. BANGS 717 730,E 7310 ^' .~ -.-, Firm Name (If Applicable) First line of address 429 SOUTH 18TH STREET Second line of address City or Post Office CAMP HILL Correspondent's a-mail address: State ZIP Code PA 17011 ~ .-.., _. REGISTER OF WIL~I~S~LISE ~Y " ._ , 'gin °~~ _ , ? ~,~ - ':. _~ ; ,~ ::, ~ s '~' c.J C.' i DATE FILED _. -, ,, i ~iiuai penames or pequry, I declare tnat I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, cgrre ~t and cRmplete. Declaration of preparer other than the personal represerttatlve Is based on all information of which preparer has any knowledge SIGNATUR ~T~. ~ r nruaai ~ rno ru i r ~„~~„~~ ____ ADDR Matthew D. Snyder 5 Cornell Drive, Camp Hill, PA 17011 SIGNA RE OF PR PARE O ER THA vflEPRESENTATIVE DATE ~"~:,-~~~ ^- ~ Michael L. Bangs ~' ADDRESS ~ ~ ~ n 429 South 18th Street, C mp Hill, PA 17011 Side 1 L 1505607120 1505607120 J ~~ 1505607220 REV-1500 EX Decedent's Social Security Number oecede~t~s Name: Norma R. Snyder 2 0 1 1 6 2 8 1 3 RE CAPITULATION 1. Real Estate (Schedule A) ......................................................................................... 1. 140,000.00 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. 1 6 , 5 5 7 9 4 6. Jointly Owned Property (Schedule F) ~ Separate Billing Requested ............. 6. 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) ~ Separate Billing Requested ............. 7. 8. Total Gross Assets (total Lines 1-7) ....................................................................... g. 1 5 6, 5 5 7 9 4 9. Funeral Expenses & Administrative Costs (Schedule H) ......................................... 9. 4,663.06 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) ................................ 10. 7,801.92 11. Total Deductions (total Lines 9& 10) ...................................................................... 11. 1 2, 4 6 4 9 8 12. Net Value of Estate (Line 8 minus Line 11) ............................................................. 12. 1 4 4 , 0 9 2 . 9 6 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, 1 4 4 , 0 9 2 9 6 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 .00 0 0 0 15. 0 0 0 16. Amount of Line 14 taxable 14 4 , 0 9 2 9 6 at lineal rate X .045 16. 6 , 4 8 4.18 17. Amount of Line 14 taxable at sibling rate X .12 0. 0 0 17. 0. 0 0 18. Amount of Line 14 taxable at collateral rate X .15 0 0 0 18. 0 0 0 19. Tax Due ..................................................................................................................... 19. 6, 4 8 4 1 8 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. ^ Side 2 1505607220 1505607220 J REV-1500 EX Page 3 Decedent's Complete Address: File Number 21-09-373 DECEDENT'S NAME Norma R. Snyder STREET ADDRESS 5 Cornell Drive CITY STATE ZIP Camp Hill PA 17011 Tax Payments and Credits: 1. Tax Due (Page 1 Line 19) (1) 6,484.18 2. Credits/Payments A. Spousal Poverty Credit B. Prior Payments C. Discount 0.00 3. Total Credits (A + g + C,l Interest/Penalty if applicable (2) 0.00 p. Interest E. Penalty Total Interest/Penalty (D + E) (3) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. (4) Check box on Page 2 Line 20 to request a refund 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) 6, 484.18 A. Enter the interest on the tax due. (5A) B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (5B) 6, 484.18 Make Check Payable to: REGISTER OF WILLS, AGENT .._._ _, ~~'~.. <_ „..T -._ "~ 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 reversionary interest; or .................................................................................................................. ^ ~~ d. receive the promise for life of either payments, benefits or care? .............................................................. 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? ....................................................................................................................... ^ ^ 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death?......... ^ ^ 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? ...................................................................................................................... ^ ^ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is three (3) percent [72 P.S. §9116 (a) (1.1) (i)]. For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero (0) percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [72 P.S. §9116 (a) (1.2)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent, except as noted in 72 P.S. §9116 1.2) [72 P.S. §9116 (a) (1)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent [72 P.S. §9116 (a) (1.3)]. A sibling is defined under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. Rev-1502 El(+ (6-98) scHEOV~E a REAL ESTATE COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Snyder, Norma R. 21-09-373 ^•• •u-• r•~r=• •~ ~~•~_~ ~~•=~r ~~ a~ a •=~~a~~. u~ co~mn~n muse ue reporcea ac ralr manta[ vame. ralr 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 jointly-owned with right of survivorship must be disclosed on schedule F. tlr more space Is neeaeo, aaditlonal pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule A (Rev. 6-98) Rev1608 EX+ (6.98) SCHEDULE E CASH, BANK DEPOSITS, 8~ MISC. PERSONAL PROPERTY COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF (FILE NUMBER Snyder, Norma R. 21-09-373 Include the proceeds of litigation and the date the proceeds were received by the estate. All property Jointly-owned with the right of survivorship must be disclosed on schedule F. to more space Is neeaea, aaamonal pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule E (Rev. 6-98) REV-1151 EX+ (12.99) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHED~JLE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER Snyder, Norma R. 21-09-373 ITEM DESCRIPTION NUMBER AMOUNT A. FUNERAL EXPENSES: See continuation schedule(s) attached ~ 1,095.00 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Social Security Number(s) / EIN Number of Personal Representative(s): Street Address City State Zip Year(s) Commission paid 2. Attorney's Fees Michael L. Bangs 2,750.00 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Claimant Street Address City State Zip Relationship of Claimant to Decedent 4. Probate Fees 248.00 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. Other Administrative Costs 570.06 See continuation schedule(s) attached TOTAL (Also enter on line 9, Recapitulation) 4,663.06 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H (Rev. 6-98) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Snyder, Norma R. 21-09-373 ITEM NUMBER DESCRIPTION AMOUNT Funeral Expenses 1 Veterans Cremation Society 1,070.00 2 Veterans Cremation Society 25.00 H-A Subtotal 1,095.00 Other Administrative Costs 3 Cumberland Law Journal -estate advertising 75.00 4 Pamela M. Reitenbach, Inc. -real estate appraisal 350.00 5 The Sentinel -estate advertising 145.06 H-B7 Subtotal 570.06 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H (Rev. 6-98) Rev-1512 EX+ (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS ESTATE OF (FILE NUMBER Snyder, Norma R. 21-09-373 Include unrelmbursed medical expenses. (n more space Is needed, aooitional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule I (Rev. 6-98) REV-1513 EX+ (9-00) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE J BENEFICIARIES ESTATE OF FILE NUMBER Snyder, Norma R. ~~_no_~~z NUMBER NAME AND ADDRESS OF RELATIONSHIP TO DECEDENT SHARE OF ESTATE AMOUNT OF ESTATE PERSON(S) RECEIVING PROPERTY (Words) ($$$) Do Not list Trustees I. TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under Sec. 9116(a)(1.2)] Mark D. Snyder Son 407 Avenue G #32 Redondo Beach, CA 90277 Matthew D. Snyder Son 5 Cornell Drive Camp Hill, PA 17011 Total Enter dollar amounts for distributions shown above on lines 1 5 through 18, as appropri ate, on Rev 1500 cove r sheet II. NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET 0 00 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule J (Rev. 6-98) fil ~ T /~ gin! 1, ~~ , Y. 1 ~t (i s{~ _ ,,, f Gt _ f ~~ .~~ . r. «`a..~ d_ i (. r Y1 .. ~ '~. jilt-..~~~'.-k} u, ~~.'-.~t.:_ . APPRAISAL OF REAL PROPERTY LOCATED AT: 5 Cornell Drive Deed Book 23A, Page 572 Camp Hill, PA 17011 FOR: Michael Bangs, Esquire 429 South 18th Street Camp Hill, PA 17011 AS OF: December 27, 2008; Date of Death of Norma R. Snyder BY: Pamela M. Reitenbach Pa Certifed General Real Estate Appraiser Pamela M. Reitenbach, INC. 5113 Circle Drive Harrisburg, PA 17112 Form GAS - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE a Rle No 09-D26 Paae #2 May 7, 2009 Mr. Michael Bangs, Esquire Bangs Law Office 429 South 18th Street Camp Hill, PA 17011 RE: Estate of Norma R. Snyder 5 Cornell Drive, Lower Allen Township Cumberland County, Camp Hill, PA 17011 Dear Mr. Bangs: Pursuant to your request, I have prepared a Summary Appraisal Report for the property captioned in the "Summary of Salient Features" which follows. The accompanying report is based on a site inspection of improvements, investigation of the subject neighborhood area of influence, and review of sales, cost and income data for similar properties. This appraisal has been made with particular attention paid to the applicable value influencing economic conditions and has been processed in accordance with nationally recognized appraisal guidelines. The retrospective market value conclusion stated herein is as of the date of death of Norma R. Snyder, on December 27, 2008; as stated in the body of the appraisal and contingent upon the certifications and limiting conditions attached. The date of inspection was April 27, 2009. Please do not hesitate to contact me if I can be of add'Rional service to you. R/es~pectfully, ~^ Pamela M. Reitenbach PA Certified General Real Estate Appraiser Form DCVR - "WinTOTAL" appraisal software by a la mode, inc. -1-600-ALAMODE SUMMARY OF SALIENT FEATURES Subject Address 5 Cornell Drive Legal Description Deed Book 23A, Page 572 City Camp Hill County Cumberland State PA Zp Code 17011 Census Tract 25420.0109.00 Map Reference PI Bk 7, Pg 13, Lt 29 Sale Price $ NA Date of Sale NA Borrower NA Lender/Client Michael Bangs, Esquire Size (Square Feet) 1,075 Price per Square foot $ Location Suburban Age 53 years Condition Average Total Rooms 5 Bedrooms 3 Baths 1 Appraiser Pamela M. Reitenbach; PA Certified General Real Estate Appraise• Date of Appraised Value December 27, 2008; Date of Death of Norma R. Snyder Opinion of Value $ 140,000 Form SSD2 - "WinTOTAL" appraisal sotlware by a la made, inc. -1-800-ALAMODE Pamela Reitenbach File No 09-026 Paae #4 UNIFORM RESIDENTIAL APPRAISAL REPORT FileNO 09-026 Pro a Address 5 Cornell Drive Ci Cam Hill State PA Zio Code 17011 Le al Descri lion Deed Book 23A Pa a 572 Coun Cumberland Assessor's Parcel No. 13-23-0547-549 Tax Year 08!09 R E Taxes $ 1 660.36 S ecial Assessments None Borrower NA Current Owner Estate of Norma R. Sn der Occu ant: Owner Tenant Vacant Pro a ri Ms a raised Fee Sim le Leasehold Project T e PUD Condominium HUD A onl HOA NA o. Nei hborhood or Project Name Cedar Cliff Manor /Lower Allen Tw Ma Reference PI Bk 7 P 13 Lt 29 Census Tract 25420.0109.00 Sale Price NA Date of Sale NA Des ri 6on and mo nt of loan char a oncession t be aid b seller NA Lender lient Michael Ban s Es uire Address 429 South 18th Street Cam Hill PA 17011 A raiser Pamela M. Reitenbach Address 5113 Cir cle Drive Harrisbur PA 17112 Location Urban Suburban Rural Built u ^ ver 75% ®25-75% ^ Under 25% P 0 Growth rate ^; Rapid ®Stable ^ Slow Predominant occupancy ~ Owner pSin k family housing $(OC10 (yrs) 118 Law new present land use % One Tamil 80 Y _ 2-4 family 5 Land use change ~ Not likely ^ Likely ^ In process Property values ^ Increasing ®Stable ^ Declining ^ Tenant 750+ Hi h 100+ _ Multi-family 3 To: Demand/supply '] Shortage ®In balance ^ Over supply ®Vacant (0-5%) Predominant " _ 12 Commercial Marketin time Under 3 mos. 3-6 mos. Over 6 mos. V c. over 5% 220 35-40 _ Other Note: Haco and the racial composition of tha neighhorhood ara not appraisal factors. Naghborhood boundaries and characteristics: The subject property is located south of Route 581 west of Route 83 east of Lisburn Road and North of York Coun in the residential develo ment of Cedar Cliff Manor. Area is redominatel residential intermixed with commercial uses. Factors that affect the marketability of the properties in the neighborhood (proximity to employment and amenities, employment stability, appeal to market, etc.): The nei hborhood consists of a com atible mix of most! 50 to 65 ear old detached homes of va in ualit .All amenities and ma'or traffic ' arteries are convenient to the subject roe . Avera a Economic social and h sisal area. Distance to amenities and necessities is ood. The are no known detrimental nei hborhood influences that would affect the sub'ects value or marketabilit avera a mix ands le of residential dwellin s located in an avera a sized suburban townshi See Addenda Market conditions in the subject neighborhood (including support for the above conclusions related to the trend of property values, demtind/supply, and marketing time -- such as data on competitive properties for sale in the neighborhood, description of the prevalence of sales and financing concessions, etc.): Local market conditions are moderate! stable with ro erties usual! sellin within 120 da s if ro erl riced and marketed. Financin acka es are varied with most) conventional and VA/FHA with few cash sales sellers are t icall a 'n oints in the 1-3 or more ran e. Mort a e mone is available to creditable bu ers with rates ran in from 6 to 7 ercent. Project Information for PUDs (If applicable) - - Is the developer/builder in control of the Home Owners' Association (HOA)? Yes No Approximate total number of units in the subject project Approximate total number of units for sale in the subject project Describe common elements and recreational facilities: Dimensions 70' x 125'; per legal descri lion Topography Generalhi level Site area 8,750 sf / 0.20 Acre Corner Lot ^ Yes ~ No Specific zoning classification and description R-1 Sin le Famil Residential Zoning compliance ®Legal ^ Legal nonconforming (Grandfathered use) ^ Illegal ^ No zoning Hi hest 8 best use as im roved: Present USe Other use ex lain Size Average for area Shape Rectangular Drainage A ears Ade uate View Residential Utilities Public Other Off-site Improvements Type Public Private Electricity ~ Street Macadam ® ^ Gas ~ Curb/gutter Concrete ® ^ Water ~ Sidewalk Concrete ^ ® Sanitary sewer ® Street lights None ^ ^ Storm sewer Alle None Comments (apparent adverse easements, encroachments, special assessments, slide areas, illegal or legal nonconfor easements for electric and fete hone etc. There were no known adverse easements encroa Landscaping T ical for the area Driveway Surface Concrete Apparent easements Standard utilit easements FEMA Special Flood Hazard Area ^ Yes ®No FEMA Zone X Map Date 3-16-2009 FEMA Ma No. 42041 C0282E ming zoning use, etc.): Standard chments or conditions noted. GENERAL DESCRIPTION No. of Units One EXTERIOR DESCRIPTION Foundation Concrete Block FOUNDATION Slab Partial BASEMENT Area Sq. Ft. 625 INSULATION Roof ^ No. of Stories One Exterior Walls Vin !Brick Crawl Space N!A % Finished 60% +/- Ceiling ^ Type (Del./Att.) Detached Roof Surface As halt Shin le Basement Partial Ceiling S. TilelUnf __ Walls ^ Design (Style) Ranch Gutters & Dwnspis. Alum/Alum Sump Pump Floor Drain Walls P. DWlUnf Floor E>asting/Proposed Existin Window Type Dble Hun !Slide Dampness None observed Floor Per o/Concr None ^ Age (Yrs.) 53 ears StorMScreens Thermo/Yes Settlement None observed Outside Entry Yes I WO Unknown Effective A e rs. 20-25 rs Manufactured House NA Infestation None observed ROOMS Fo er Livin Dinin Kitchen Den Famil Rm. Rec. Rm. Bedrooms # Baths Larind Ot her Area S . Ft. Basement 1 X 625 Level ! 1 Area 1 3 1 1 075 - Level2 Hnished area above rode contains: 5 Rooms 3 Bedroom s ~ 1 Bath s 1 075 S ware Feet of Gross Livin Area INTERIOR Materials/Condition fbors Wd,Vinyl CTlavg HEATING Type FWA KITCHEN EQUIP. Refrigerator ^ ATTIC None ^ AMENITIES Fireplace(s) # 1 (~i CAR STORAGE: None ^ Walls Plasterlav Fuel Gas Range/Oven ® Stairs ^ _ Patio Frt Stp/Rear ~ Garage # of cars TrirryFnish Wood/av Condition av Dis osal p ® Drop Stair ^ Deck [] Attached Bath Floor Ceramic Tile/avg Bath Wainscot Ceramic Tile/av COOLING Central None Dishwasher ® Fan/Hood ® Scuttle ® Fbpr ^ _ Porch _ ^ Fence Chain Link ~ Detached Buih-In Doors wood/Avg Other Wall Unit Condition av Microwave ^ Washer r er Heated ^ Fnished _ Pool _ ^ Sheds/ x 2 Carport 1 Car Drivewa 1 Car Additional features (special energy efficient items, etc.): The home has newer vinyl clad thermopane windows Condition of the improvements, depreciation (physical, functional, and external), repairs needed, quality of construction, remodeling/additions, etc.: Home is considered to be in avera a condition. No functional or economic obsolescence noted. Ph ical de reciation due to age and normal wear and tear. See Addenda Adverse environmental conditions (such as, but not limited to, hazardous wastes, toxic substances, etc.) preserd in the improvements, on the site, or in the immediate vicinity of the subject property.: There are no known or apparent adverse environmental conditions that would negatively impact on the sale of the ro ert . See Addenda Freddie Mac Form 70 6/93 PAGE 1 OF 2 Fannie Mae Form 1004 6/93 farm UA2 - "WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE Fil # ,,.,.._.:__~__.:__ IIIt11FfIRM RFC1111P61TIe1 ADDDAICAri DeDnDT _.... __ ___ ESTIMATED SITE VALUE .. _ _ _ _ _ _ _ _ _ _ ..... _ _ ... _ _ _ $ ESTIMATED REPRODUCTION COST-NEW-OF IMPROVEMENTS: Dwelling 1,075 Sq. Ft. @$ _ _ $ 625 Sq. Ft. @$ _ = Comments on Cost Approach (such as, source of cost estimate, site value, square foot calculation and for HUD, b'A and FmHA, the estimated remaining economic life of the property): The Cost Approach will general) result in an excellent estimate of value if the buildin is new or = • reasonabl new and the im rovements reflect the hi hest and Garage/Carport 251 Sq. Ft. @$ = • best use of the land. However when items of h sical Total Estimated Cost New_ _ _ _ .. _. _ _.... _ $ de reciation must be estimated an area of ud ement is . Less Physical Functional External involved which is sub'ect to error. The Cost A roach was not Depreciation ~ ~ _$ utilized due to the a e of the subject. Depreciated Value of improvements _ _ _ ....... _ _ _ _$ "As-is"Valueoi Sitelmprovements_ __ ...... .. . ............ _$ INDICATED VALUE BY COST APPROACH ... _._________........_ _ ITEM SUBJECT COMPARABLE N0.1 COMPARABLE N0.2 COMPARABLE N0.3 5 Cornell Drive Address Cam Hill PA 17011 1521 Carlisle Rd Cam Hill PA 17011 1295 Strafford Rd Cam Hill PA 17011 1823 Willow Rd Cam Hill PA 17011 Pro>ami to Subect 0.08 miles NW 0.47 miles E 0.36 miles SW Sales Price NA 140 000 143 000 169 900 Price Grass Livin Area ~ 124.44 ~ 152.29 ~' 140.88 ~ Data and/or Verification Source MLS 10160760, agent Ext. Ins ection & Public Records MLS 10169699, agent Ext. Ins ection 8 Public Records MLS 10166229, agent Exl. Ins ection & Public Records VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad'ust. DESCRIPTION + - $ Ad'ust. DESCRIPTION + - $ Ad'usl. Sales or Financing Concessions ConWDOM 73 Closin CsVRe Conv/DOM 31 Closin CsURe -5 500 Conv/DOM 10 Closin CsURe -5 097 Date of Sale ime 06-24-2008 11-14-2008 09-12-2008 Location Suburban Suburban Suburban Suburban Leasehold ee Sim le Fee Sim le Fee Sim le Fee Sim le Fee Sim le Site 0.20 Acre 0.18 acre 0.14 acre 0.21 acre View Residential Residential Residential Residential Desi n and A eat Ranch/Av Ranch/Av Ranch/Av Ranch/Av Ouali of Construction Avera a Avera a Avera a Avera e A e 53 ears 58 ears 55 ears 51 ears Condition Avera a Avera a Avera a Su Kit & Bath -10 000 Above Grade Total Bdrms' Baths Total'Bdrms~ Baths ' Total'Bdrms' Baths Total~Bdrms Baths Room Count 5 3 1 5 2~ 1 5 3 1 6! 3 1 Grass Livin Area 1 075 S . Ft. 1 125 S . Ft. ~ 0 939 S . Ft. ' +2 000 1 206 S . Ft. ~ -2 000 - Basement & Flnished - Rooms Below Grade Partial Bsmt/WO Rec Room Full Bsmt. -2,000 Half Bath +1 000 Full Bsmt. -2,000 Rec Room Full Bsmt. -2,000 FR Full Bath -4 000 • Functional Utili Avera a Avera a Avera a Avera e ' Heatin Conlin FWAM/all Unts FWA oiVCAC -2 500 FWA as/CAC -2 500 FWA aslCAC -2 500 Ener Efficient Items T ical T ical T ical T ical Gara a Car ort 1 car car ort Off Street +3 000 1 car car ort 1 car car ort Patch, Patio, Deck, Fire laces etc. Frt Stp, Patio Fire lace Frt. Stp, Porch -1,500 None +1 500 Frt Stp, Patio None +1 500 Frt Stp, Deck Fire lace Fence Pool etc. Fence Sheds Fence Shed Shed +1 000 Fence Shed Net Ad . total + iR - I -500 ~ + - -5 500 ~ + - -25 597 Adjusted Sales Price Net 0.4 % Net 3$' % Net t5.1 % of Com arable Gr05S 8.2 % 139 500 GrOSS 10.1 % 137 500 Gross 15.1 % 144 303 Comments on Sales Comparison (including the subject property's compatibility to the neighborhood, etc.): All sales are located within the sub'ects marketin area. Ad'ustments were made to reflect substantial differences between the com arable ro erties and the sub'ect. The ad'ustments that were made reflect the t ical actions of buyers and seller in the marketplace. Gross living area lot size year built were obtained from Cumberland Count tax assessment records and deemed as accurate. In the event it is determined that an of the information from ublic records is inaccurate I reserve the ri ht to review and or revise this re ort and conclusion of value stated within. Sale #3 condition ad'ustment reflects u dated kitchen and bath. All sa les considered a uall . ITEM SUBJECT COMPARABLE N0.1 COMPARABLE N0.2 COMPARABLE N0.3 Date, Price and Data 12-10-1968 11-30-2004 12-11-1985 9-30-2003 Source, for prior sales $20,900 $135,000 $1.00 $122,900 within ear of a raisal Le al Descri lion Courthouse Records/MLS Courthouse Records Courthouse RecordslMLS Analysis of any current agreement of sale, option, or listing of subject property and analysis of any prior sales of subject and comparables within one year of the date of appraisal: The sub'ect is not current) offered for sale on the o en market or under a contract of sale. Neither the sub'ect or com arables have transferred within the ast three ears. INDICATEDYALUEBYSALESCOMPARISONAPPROACH __...... ______..... ___ _ _ _ _... __ _..._ _.... $ 140000 _...__ INDICATED VALUE BY INCOME APPROACH if A liable Estimated Market Rent o. x Gross Rent Mufti tier - Thisappraisal is made "as is" subject to the repairs, alterations, inspections or conditions listed below subject to completion per plans & specifications. Conditions of Appraisal: No warranty of this appraisal is given or implied. No liability is assumed for the structural and/or mechanical elements of the sub'ect ro ert . Hnal Reconciliation: Due to the lack of quality and quantity of rental data the Income Approach was considered inn ro riate and not utilized. Greatest wei ht is iven to the Sales Com orison A roach since it reflects the t ical actions of bu ers and sellers in the market lace. Cost A roach not utilized due to the age of the subject's improvements. "Date of Death of Norma R Snyder Tl~e purpose of this appraisal is to estimate the market value of the real property that is the subject of this report, based on the above conditions and the certification, contingent and limiting conditions, and market value definition that are stated in the attaclx;d Freddie Mac Form 439/FNMA form 10048 (Revised - 06193 1. I (WE) ESTIMATE THE MARKET VALUE, AS DEFINED, OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT, AS OF December 27 2008 " (WHICH IS THE DATE OF INSPECTION AND THE EFFECTIVE DATE OF THIS REPORT) TO BE $ 140.000 • APPRAIS~~~ r~~ /-~ - - ~~ SUPERVISORY APPRAISER (ONLY IF REOUIREDI: Sianatur ~~~`s"`A} Signature ^ Did ^ Did Not Name Pamela M. Reitenbach PA Cert. Gen Real Estate Appraiser Name Inspect Property Date Report Sinned May 7 2009 Date Report Signed State Certification # GA001804 State PA State Certification # State Or State License # State Or State License # State '°°°~°'°°°' °~^' • ° •^~~ rna~ < yr ~ rannie Mae corm 1UU4 6-93 Form UA2 -'WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE Sunnlemental Addendum r~iou,,.,~.,~~ Borrower/Client NA Pro a Address 5 Cornell Drive Ci Cam Hill County Cumberland State PA Zip Code 17011 Lender Michael Ban s Es uire NtlCititiUKMUUU GVMMtN 15. COnfd The neighborhood shows an average mix and style of residential dwellings. Subject's appeal is it's convenient location to Harrisburg the State Capital, Camp Hill, Mechanicsburg and Carlisle. Employment is located in close proximity to the subject with the average travel time at or near 15 minutes. Grocery stores, schools and places of worship are all located in a short distance from the subject property. IMPROVEMENTS. Cont'd The subject property is improved with a detached, 1-story residential dwelling. First floor of the home contains a living room with brick fireplace and hardwood floors, kitchen with wood cabinets, Formica counter tops, range, hood, oven, dishwasher, disposal and vinyl flooring, dining area with wood floors, three bedrooms all having hardwood floors and adequate closet space, full bath with ceramic the Floor and wainscot, vanity, commode and tub/shower. Partial walkout basement with rec room, laundry and work area. Attached 1-car carport with attached shed, front stoop, rear patio, detached frame shed and chain link fence. The estimated effective age is below the actual age due to maintenance, condition, and comparison to competing neighborhoods. Physical depreciation is attributed to age, and normal wear and tear. No fimctional or economic obsolescence was noted. ADVERSE ENVIRONMENTAL CONDITIONS There are no known or apparent adverse environmental conditions that would negatively impact on the sale of the property. The appraiser has not been informed, nor has the appraiser any knowledge of the existence of any environmental or health impediment, which if known, could have a negative impact on the market value of the subject property. The valuation contained herein is not valid if any hazardous items are found in the subject property and stated within the appraisal report, including but not limited to: Ureaformaldehyde foam insulation, Radon Gas, Asbestos Products, Lead or Lead Based Products, Toxic Contaminants. The subject is of an age where lead based paint may be present. The market does not penalize the property, however, the client should be advised of its possible existence. It is assumed that lead based paint is not present. the client has a concern then a qualified expert in this field should be contacted to inspect the subject property. SCOPE OF WORK: Observation of the exterior and walk through observation of the interior of the property. Measuring the exterior of the dwelling. Neighborhood information was gathered by a visual inspection, and information obtained from the State Data Center, Cumberland County and Lower Allen Township. Review of the County Public Record data and Multi-List, Inc. records. Review the county tax assessment online information, county tax mapping, zoning was confirmed with Lower Allen Township officials and flood data was confirmed with FEMA flood maps. An exterior inspection was conducted for each comparable. All sales were confirmed with the listing agent for each property. DIGITAL SIGNATURE The digital signature used on this report is an exact replica of the appraiser's actual signature. The digital signature has not been altered and is downloaded from the program by the appraiser. The digital signature is password protected to avoid improper usage. The digital signature should be considered equal to an original signature of the appraiser. DEFINITION OF MARKET VALUE The definition of Market Value "is from regulations published by federal regulatory agencies pursuant to Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) of 1989 between July 5, 1990, and August 24, 1990, by the Federal Reserve System (FRS), National Credit Union Administration (NCUA), Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS), and the Office of Comptroller of the Currency (OCC). This definition is also referenced in regulations jointly published by the OCC, OTS, FRS, and FDIC on June 7, 1994, and in the Interagency Appraisal and Evaluation Guidelines, dated October 27, 1994. SPECIAL LIMITING CONDITIONS: This appraisal is not a home inspection and the appraiser is not acting as home inspector when preparing the report. The client has the right to have the home inspected by a professional home inspector. When performing the inspection of this property, the appraiser visually observed areas that were readily accessible. The appraiser is not required to disturb or move anything that obstructs access or visibility. The inspection is not technically exhaustive. The inspection does not offer warranties or guarantees of any kind. The appraiser is not a home or environmental inspector. The appraiser provides an opinion of value. The appraisal does not guarantee that the property is free of defects or environmental problems. The appraiser performs an inspection of visible and accessible areas only. Mold may be present in areas the appraisers cannot see. A professional home inspection or environmental inspection is recommended should the client have a concern. If the property is sold, this appraisal is subject to satisfactory inspection reports including, but not limited to: wood infestation, radon, building inspections, etc. Form TADD -'WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE File No 09-D26 a9 # Supplemental Addendum File No. o9-026 Borrower/Client NA Pro a Address 5 Cornell Drive Ci Cam Hill County Cumberland State PA Zip Cade 17011 Lender Michael Ban s Es uire Suoolemental Certifications: I certify that, This SUMMARY APPRAISAL REPORT was prepared by Pamela M. Reitenbach, PA Certified General Real Estate Appraiser, for the exclusive use of Michael Bangs, Esquire (intended user/client). The intended use of this appraisal report is for estate settlement purposes. Estimated market value is the most probable price in terms of cash or in terms of financial arrangements equivalent to cash. The information and opinions contained in this appraisal set forth the appraiser's best judgment in light of the information available at the time of the preparation of this report. Any use of this appraisal by any other person or entity, or any reliance or decisions based on this appraisal are at the sole responsibility and at the sole risk of the third party. I accept no responsibility for damages suffered by any third party, as a result of reliance on or decisions made or actions taken based on this report. In my opinion, the reasonable exposure time linked to the value opinion is up to 180 days. I further certify that, to the best of my knowledge and belief: -The statements of fact contained in this report are true and correct. -The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. - I have no present or prospective interest in the property that is the subject of this report or to the parties involved with this assignment. - My engagement in this assignment was not contingent upon developing or reporting predetermined results. - My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. - My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standard of Professional Appraisal Practice. - Pamela M. Reitenbach has made a personal inspection of the property that is the subject of this report. Q~-~~`m CAL-,.~-. Signature: Pamela M. Reitenbach PA Certified General Real Estate Appraiser Certification # GA001804 Expiration June 30, 2009 Date: 5/07/2009 Form TADD -'WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE ile No 09-026 P g DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he considers his own best interest; (3) a reasonable time is allowed tar exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of financial arrangements corparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. * Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for those costs which are normalty paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the seller pays these casts in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Arty adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should appro>mate the market's reaction to the financing or concessions based on the appraiser's judgement. STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is subject to the following conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of it being under responsible ownership. 2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements tc do so have been made beforehand. 5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if they are so used. 6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the normal research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of arty hidden or unapparent conditions of the property or adverse environmental conditions (including the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied, regarding the condition of the property. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment of the property. 7. The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that he or she considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such items that were furnished by other parties. 8. The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional Appraisal Practice. 9. Tire appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that completion of the improvements will be performed in a workmanlike manner. 10. The appraiser must provide his or her prior written consent before the finder/client specified in the appraisal report can dishibute the appraisal report (including conclusions about the property value, the appraiser's identity and processional designations, and references to any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the mortgagee or its successors and assigns; the mortgage insurer; consultants; processional appraisal organizations; any state or federally approved financial instttulion; or any department, agency, or instrumerdality of the United States or any state or the District of Columbia; except that the lender/client may distribute the property description section of the report only to data collection or reporting service(s) without having to obtain the appraiser's prior written consent. The appraiser's written consent and approval must also be obtained before the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media. Freddie Mac Farm 439 6-93 Page t of 2 Fannie Mae Form 7004B 6-93 Pamela Reitenbach Form ACR -'WinTOTAL' appraisal software by a la mode, inc. -1-800-ALAMODE Rte No 09-026 a9 # APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that 1. I have researched tfre subject market area and have selected a minimum of three recent sales of properties mast similar and proximate to the subject property for consideration in the sales comparison analysis and have made a dollar adjustment when appropriate to reflect the market reaction to those items of significant variation. I a significant item in a comparable property is superior to, or more favorable than, the subject property, I have made a negative adjustment to reduce the adjusted sales price of the comparable and, if a significant item in a comparable property is inferior to, or less favorable than the subject property, I have made a positive adjustment to increase the adjusted sales price of the comparable. 2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the appraisal report. I have not knowingly withheld any sign'rficant information from the appraisal report and I believe, to the best of my knowledge, that all statements and information in the appraisal report are true and correct. 3. I stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and contusions, which are subject onry to the contingent and limiting conditions specified in this form. 4. I have no present or prospective interest in the property that is the subject to this report, and I have no present or prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or the estimate of market value in the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants ei the properties in the vicinity of the subject property. 5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my compensation for pertorming this appraisal is contingent on the appraised value of the property. 6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related parry, the amount of the value estimate, the attainment of a specific resuh, or the occurrence of a subsequent event in order to receive my compensation and/or employment for pertorming the appraisal. I did not base the appraisal report on a requested minimum valuation, a spec'rfic valuation, or the need to approve a specific mortgage loan. 7. I performed this appraisal in conlormity 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 as of the effective date of ttus appraisal, with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable time for exposure in the open market is a condition in the definition of market value and the estimate I developed is consistent with the marketing time noted in the neighborhood section of this report, unless I have otherwise stated in the reconciliation section. 8. I have personally inspected the interior and exterior areas of the subject property and the exterior of all properties listed as comparables in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject improvements, pn the subject site, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustments for these adverse conditions in my analysis of the property value to the extent that I had market evidence to support them. I have also commented about the effect of the adverse conditions on the marketability of the subject property. 9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on significant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal report, I h:3ve named such individual(s) and disclosed the specific tasks performed by them in the reconciliation section of this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in the report; therefore, if an unauthorized change is made to the appraisal report, I will take no responsibility for it. SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he or she certifies and agrees that: I directy supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the statements and conclusions of the appraiser, agree to be bound by the appraiser's cert'rfications numbered 4 through 7 above, and am tatting full responsibility for the appraisal and the appraisal report. ADDRESS OF PROPERTY APPRAISED: 5 Cornel l Drive. Camp Hill PA 17011 APPRAISER: SUPERVISORY APPRAISER (only if required): i Q`~'^"'~ ~ ~~ gnature: S Signature: Name: Pamela M. Reitenbach PA Cert. General R. E. App raiser Name: Date Signed: May 7, 2009 Date Signed: State Certification #: GA001804 State Certification #: or State License #: or State License #: State: PA State: Expiration Date of Certification or License: June 30, 2009 Expiration Date of Certification or License: ^ Did ^ Did Natlnspect Property Freddie Mac Form 439 6-93 Page 2 of 2 Fannie Mae Form 10048 6-93 Form ACR - "WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE PSEC~ April 24, 2009 Account # 0201 XXXXXX MICHAEL L. BANGS C/O BANGS LAW OFFICE 429 SOUTH 18TH ST CAMP HILL, PA 17011 Dear MR. BANGS: The following is the status of NORMA R. SNYDER's account with PSECU as of the date of death. Joint Owner's Name NONE Date of Death 12.27.2003 llate of Birth 12.18.1925 Share Description Open date Balance Accrued Dividend S O1 Regular Shares 07.31.1985 $ 159.46 $0.99 S 02 Vacation Shares 09.20.2005 4,317.53 4.66 S 03 Christmas Shares 09.20.2005 395.07 6.30 S 04 Checking 07.31.1985 10,671.37 0.43 Loan Description L 09 VISA Open Date Balance Accrued Interest 07.29.2005 $ 0.00 $0.00 The dividend earned from January 1, 2008 through the date of death was $583.05. We do not have safe deposit boxes for our members. If you have any questions, please ca11234-8484 in Harrisburg or our toll-free number, (800) 237-7328. At the menu prompt, enter 6 and then extension 2227. Sincerely, n~ ~--~ ~ a~ ~~ Meacie Fairfa Member Service Representative Finance Support Unit Cc: Matthew D. Snyder Pennsylvania State Employees Credit Union Main Address: 1 Credit Union Place, Harrisburg, PA 171 10-2990 717.234.8484 800.237.7328 • Mailing Address: PO. Box 67013, Harrisburg, PA 17106-7013 717.777.2100 (TDD) 800.472.1967 (TDD) This credit union is federolly insured by the National Credit Union Administration. Equal Opportunity Lender www.pseCU.tOm c--:_ ..--~. ~. 9f.' ~"~~` I, NORMA R. S]vYDER, of Cumberland County, Pennsylv~,n:ia, declare this to be my last will and revoke any •will previously made by me. ITEM L I direct that all my just debts and funeral expens::~, including my gravemarker and all expenses of my last illness, and any and all taxes and asses~.ments imposed by any governmental body as a result of my death, whether on property passing under this will or ~ otherwise, shall be paid from my residuary estate as soon as practic-a'ole after my decease as a part of the expense of the administration of my estate. ITEM II. I give and bequeath all of my household goods, automobiles, jewelry, and all other articles of household and personal use, equipment and ornarr~ent, together with all insurance thereon and relating thereto, to my husband GILBERT I:. SNYDER provided he survives my death by thirty (30) days. Should my husband predecease me or be deceased on the thirty-first day after my death, I give and bequeath my house locat..d at 5 Cornell Drive, Camp Hill, and all its contents to my son, MATTHEW D. SNYDER pro :~ided he survives my death by thirty (30) days. '` ITEM III. I give, devise, and bequeath all the rest, residua, and remainder of my ,:. ,,.`~ possessions and estate of every nature and wherever situate to my husband GILBERT K. SNDYER provided he survives my death by thirty (30) days. She?.~ld my husband predecease me or be deceased on the thirty-first day after my death, I give, devise, and. bequeath all the rest, residue, and remainder of my possessions and estate of every nature and wherever situate, in 1 equal shares, to my sons MATTHEW D. SNYDER and MARK D. SNYDER, provided they survive my death by thirty (30) days. Should Matthew D. Snyder predecease me or not survive my death by thirty (30) days, then his share shall go to Mark D. Sn~dcr. Should Mark D. Snyder predecease me or not survive my death by thirty (30) days, then hi~'share shall go to Matthew D. Snyder. ITEM IV. I am specifically not providing any bequest to r_s.y daughter Linda K. Brown ~, and my omission of her in this Will is made knowingly and intellig~nay O N ITEM V. All of the interests of the beneficiaries hereunde:'slzall not be subject to anticipation or to voluntary or involuntary alienation nor shall they oe subject to any execution or ITEM VI. I appoint my husband GILBERT K. SNYDER ~.xecutor of this my last will. Should my husband predecease me or otherwise fail to qualify or c-rase to serve as executor of this my last will, I appoint my son MATTHEW D. SNYDER executor of this my last will. ITEM VII. In addition to the other powers and authorities'~ran.ted to my personal ~,,,` representatives by Pennsylvania law and by the other terms and prc;visions of this will, I hereby ,~ give to my personal representatives the following powers and authc;rities effective without court approval and until actual distribution of all property: to compromi:,e any claim or controversy; ~~ ~ to make distribution in cash or in kind, or partly in cash and partly 'n kind, and in such manner as my personal representatives may determine and at valuations finally to be fixed by them; to invest in all forms of property, including any stock or other securi:zs in any corporate fiduciary or its successor without restriction to investments authorized for Pennsylvania fiduciaries, as my personal representatives deem proper, without regard to any princi,~le of risk or diversification; to retain any or all assets of my estate, real or personal, without regard to any principle of risk or 2 diversification; to sell at public or private sale, to exchange, or to lease for any period of tune, any real or personal property and to give options for sales, exchanges, or leases, for such prices and upon such terms or conditions as my personal representatives cdeem proper; and to allocate receipts and expenses to principal or income or partly to each as m;- personal representatives deem proper in their sole discretion. ITEM VIII. I direct that my personal representatives and ' `duciaries shall not be required to give bond for the faithful performance of their duties it any jurisdiction. IN WITNESS WHEREOF, I have hereunto set my hand i i its _ 2~ _ day of ~t`` ~ .2005. NORMA R. SNYDE` 3 The preceding instrument, consisting of this and THREE other typewritten pages, each identified by the signature of the testatrix was on the date thereof signed, published, and declared by NORMA R. SNYDER, the testatrix therein named, as and for her last will, in the presence of us, who at her request, in her presence, and in the presence of each ether, have subscribed our names as witnesses hereto. ~' ~/' >>f~~~f~ ~ . ~,~ ~~~ 4 COMMONWEALTH OF PENNSYLVANIA ) ( SS: COUNTY OF CUMBERLAND } The undersigned, being the testatrix whose name is signed to the attached or foregoing instrument, having been duly qualified according to law, does hereby acknowledge that I signed and executed the foregoing instrument as my last will, that I signed it willingly; and that I signed it as my free and voluntary act for the purposes therein expressed. NORMA R. SNYDER Sworn or affirmed to and acknowledged before e by the to a i a e above this~~ day f , 2005. ,^ nuc ~ NOTARiALSEAI. WEND S. Cl`IESBRA~~~~ RrbNc Lcr Allot Twp., Cry My Corttmis~ion E~-]rea May 10, 20@7 COMMONWEALTH OF PENNSYLVANIA ) ( SS: COUNTY OF CUMBERLAND ) WE, ~~ • c.,ho,e ~ L Q~Q rJ G j and {~ l s ~ ~ ,the witnesses whose names are signed to the attached or foregoing instrument, being dul qualified according to law, do depose and say that we were present and saw the testatrix sign and execute the instrument as her last will; that she signed it willingly and that she executed it as her free and voluntary act for the purposes therein expressed; that each of us in the hearing and sight of the testatrix signed the wi 11 as witnesses; and that to the best of our knowledge, the testatrix was at that time 18 or more years of age, of sound mind, and under no constraint or undue inf Swore? or aifirme red acknowledged before r, 't day of 2005. ~~ o aiy Publ~ t ~~ y ~,lb ~;~ u ~~,1~~~~ M~°~~v~" ~_ ~~` wrlmai ~C"j~~t~i, ~ Q~b~.e 54~a'~ 6:5, ~'A~Oa ; $~NCS I.~~ O~IC~ 429 SOUTH 18TH STREET CAMP HILL, PA 17011 E-mail: mikebanes((.~verizon.net MICHAEL L. BANGS, Attorney-at-Law WENDY K. STRAUB, Paralegal September 22, 2009 Glenda Farner Strasbaugh, Register of Wills Cumberland County Courthouse One Courthouse Square Carlisle, PA 17013 RE: Estate of Norma R. Snyder File No. 21-09-0373 Dear Mrs. Strasbaugh: Enclosed you will find the following: 1. The original and one copy of the Pennsylvania inheritance tax return; 2. The original inventory; 3. A check in the amount of $6,484.18 to pay the tax due; and 4. A check in the amount of $30.00 to pay the filing fee. N n o ~ -- _ _ _~ _ ~ _ _ ~ ~ ~ < v ' r tv ' .,~ ;~_; 'j s `:- ._ ` ; -~ - -~ Zb LJ Kindly file the return accordingly and return a paid receipt to me in the enclosed, stamped, pre- addressed envelope. Thank you. ! Very truly yours, Michael L. Bangs wks Enclosures PHONE: 717-730-7310 FAX: 717-730-7374 WILLIAM E. MILLER, JR. Of Counsel cc: Mr. Matthew D. Snyder c`~ ~,- r f- ~:: . ~- - ,~ ~z ~ -:~ ,~ M • J (Y'~ _ N _ ~.~.a ~ ~ _. W ,2;. Cn L .. Q\ O J ~7 / U ~~ ~ ~ ~ ~ ~ ~ p O ~ ~ '-d ~ ~ ~ Q.. ~~ C~~ J ~ o ~ o~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ va ~ ~. 0 .+; o~ ?m 0 o mN O Ap 1 ° ~ m J m '^ v o ~ W ("') (n D C fT1 3 o~ 3~"'~~'n o^ ' ON~12D J~ Z' ^r00 00 /"r\ O D L7 o T 00 G7 n~ ~ ~ ~ ~ ~c~ I~ ~~ ~ O n