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10-22-09 (2)
15056041125 REV-1500 E>< (os-D5) PA Departrrlerlt ~ Revenue Bureau of lnd'nlidual Taxes INHERITANCE TAX RETURN ~~ Cade Year File Number Po Box 2110601 2 1 0 9 0 3 2 7 Harri~wp, PA n12s-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 1 8 4 1 2 3 4 5 7 0 3 2 8 2 0 0 9 0 8 1 2 1 9 2 2 Decedent's Last Name Suffix Decedent's First Name MI K R A M E R CAR R O L L E (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW 1.Originat Return ~ 2. Supplemental Return ~ 3. Remainder Return (date of death pnor to 12-13-82) 4. Limited Estate ~ 4a. Future Interest Compromise (date of ~ 5. Federal Estate Tax Return Required death after 12-12-82) ^X 6. Decedent Died Testate ~ 7. Decedent Maintained a Living Trust 1 8. Total Number of Safe Deposit Boxes (Attach Copy of Wilq (Attach Copy of Trust) 9. Litigation Proceeds Received ~ 10. Spousal Poverty Credit (date of death ~ 11. Elec:tian to tax under Sec. 9113(Aj between 12-31-91 and 1-1-95) (Attach Sch. O) CORRESPONDENT -TINS SECTION ~iST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTULL TAX MFORfIMAT10N SHOULD BE DIRECTED TO: Name Daytime Telephone Number W I L L I A M A D U N CAN 7 1 7 2 4 9 '~ 7 8 O,r.3 Firm Name (If Applicable) D U N C A N & H A R T M A N, P C First line of address 1 I R V I N E R O W Second line of address City or Post Office C A R L I S L E State ZIP Code C7 ;rs ~ t ; -~- REGISTEI!tJO, LLS US NLY (..+ -; ~ ~--~ ...~ v ~ ' - ~ N z: ,r " ~ ~~ t... - ... ~lrj ."_ .. ,~ ~ _ ._?,_ , ~ W ' _ `~-, tJt DATE FILED -:~-~ ;CJ tri r"? T.~ Tl ,. .Ai :. a'r P A 1 7 0 1 3 Correspondent's e-mail address: billdunCan(C3)DB.net U-xler penalties of per~rry,1 declare that I nave examined tnis return, including accompanying schedules and sfetemenls, and >n the hest of rmy knowledge and belief, it's true, correct and oomplaie. Dedaratlorl of preparer other than the personal represerdative 's based on aM information of which preparer has any knowledge. SIG RE OF PERSON RE + SI LE FOR FILING RETURN T DATE ADDRESS / / /~ ' a ~ .. Q 230 CANDLELITE DRIVE CARLISLE pp, SIG E OF P A~`R OTHER THA RESENTATNE `~'' ry /~~ ~,, ~~ ADDRE~~Yi /~ ~t'~ilY~fli4 !-1~~'~1~~M ` Kr".1'r~!' ~6~:1 ~ G ~1 1727 FULTON STREET _HARRISBURG PA 17102 PLEASE USE ORIGINAL FORM ONLY Side 1 L 15056041125 15056041125 REV-1500 EX Page 3 Decedent's Complete Address: -~~ File Number 21 09 0327 DECEDENTS NAME CARROLL E. KRAMER STREET ADDRESS 13 MIDLAND DRIVE CITY NEVWILLE STATE PA ZIP 17241 Tax Payments and Credits: 1 • Tax Due (Page 2 Line 19) 2. CreditslPayments A. Spousal Poverty Credit B. Prior Payments 4,000.00 C. Discount 210.40 3. Interest/Penafty if applicable D. Interest E. Penalty 4. 5. H 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. ff Line 1 + Line 3 is greater than Line 2, enter the differ~ce. This is the TAX DUE A. Enter the interest on the tax due. (1) 5,356.15 Total Credits (A + B + C) (2) 4,210.40 Total InteresUPenalty (D + E) {3) 0.00 (4) 0.00 (5) 1,145.75 (5A) B. Enter the total of Line 5 +5A. This is the BALANCE DUE. (5B} _ 1,145.75 Make Check Payable to: REGISTER OF WILLS, AGFNT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. rdain the use or inoorne of the property transferred; .................. ^ 0 ................................................... b. retain the right to designate who shall use the property transferred or its income; ............................... ^ Q c. retain a reversionary interest; or ................................................................................................ ^ 0 d. receive the pronrise for life of either payments, benefits or care? ....................................................... ^ X^ 2. ff death oaxrned after December 12,1982, did decedent transfer property within one year of death without receiving adequate consideration? .................... Q 3. Did decedent awn an 'in trust for' or payable upon death bank account or security at his or her death? ......... ^X 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which contains a benefiaary 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 (I2 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 stiA applicable even ff the surviving spouse is the only benefiaary. 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-0ne 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) p2 P.S. §9116(a)(1)J. The tax rate imposed on the net value of transfers to or for the use of the decedents siblings is twelve (12) percent (72 P.S. §9116(a)(1.3)J. Asibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. 15056042126 REV-1500 EX Decedents Soaal Security Number Decedents Name: CARROLL E. KRAMER 1 8 4 1 2 3 4 5 7 RECAPITULATION 1. Real estate (Schedule A) ........................................ 1. • 2. Stocks and Bonds (Schedule B) ..................... ............. 2. 1 9 7 8 4, 2 2 3. Closely Heki Corporation, Partnership or Sole-Proprietorship (Schedule C) ..... 3. 4. Mortgages & Notes Receivable (Schedule D) ........................ 4. 4 5 0 0 ~ 0 0 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ....... 5. 1 2 6 8 1 1 ~ $ 5 6. Jointy Owned Property (Schedule F) ^ Separate Billing Requested ....... 6. • 7. Inter-V'rvos Transfers 8 Miscellaneous N n-Probate Property (Schedule G) ~ S Billi t R epara e ng equested ....... 7. 8. Total Gress Assets (total Lines 1-7) ........................... 8. 1 5 1 0 9 6, 0 7 9. Funeral Expenses 8~ Administrative Costs (Schedule H) ...... .. ........ 9. 2 9 1 4 7 , 3 0 10. Debts of Decedent, Mortgage Liabilities, 8~ Liens (Schedule I) .. .. ........ 10. 2 9 2 3 . 1 9 11. Total Deductions (total Lines 9 810) ................. .. ........ 11. 3 2 0 7 0 4 9 12. Net Value of Estate (Line 8 minus Line 11) ............... .. ........ 12. 1 1 9 O 2 5 ~ 5 8 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 1 9 O 2 5 ~ 5 8 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 16. Amount of Line 14 taxable at lineal rate x .045 1 1 9 0 2 5. 5 8 18 5 3 5 6. 1 5 17. Amount of Line 14 taxable at sibling rate X .12 O. O O 17. 0. O O 18. Amount of Line 14 taxable at collateral rate X .15 0. O O 18 0. O O 1 s. Tax Due ....................................... . . ....... 1 s. 5 3 5 6. 1 5 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT ^ Side 2 15056042126 15056042126 J REV-1503 EX + (8-98) SCHEDULE B COMMONWEALTH OF PENNSYLVANIA STOCKS & BONDS INHERRANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FlLE NUMBER CARROLL E. KRAMER 21 09 0327 All property jointly-owned with right of sunrivorahip must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. PRUDENTIAL FINANCIAL, INC. - 43 SHARES @ $22.18 953.74 2. 1985.98 -WELLS FARGO ADVANTAGE MUNICIPAL BOND FUND CLASS A 16,562.88 ACCOUNT # 3317-10008920 [SEE DATE OF DEATH LETTER ATTACHED] TOTAL (Also enter on line 2, Regpitulation) I ; 17, 516.62 REV-7507 EX + (6-98) scHEOV~E v COMMONWEALTH OF PENNSYLVANIA MORTGAGES ~ NOTES INHERRANCE TAX RETURN RECEIVABLE RESIDENT DECEDENT ESTATE OF FILE NUMBE CARROLL E. KRAMER 21 09 0327 Ad properly jointly-owned with the right of swvivorahip must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. NOTE -MORTGAGE BALANCE -FROM CURTIS KRAMER 4,500.00 [NOTE PAYABLE BALANCE] TOTAL (Also enter on line 4, Recapitulation) ~ S 4, 500.00 ~T_ REV-1508 EX + (8-98) SCHED~/LE E COMdONWEALTH OF PENNSYLVANIA CASH, BANK DEPOSITS, & MISC. INHERRANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUII~ER CARROLL E. KRAMER 21 09 0327 Include the proceeds of litlgafion and the date the pnxeeds were received by the estate. All properly jokHy-owned wkh right of survMorship must be disclosed on Schaduk F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. M8~T BANK CHECKING ACCOUNT # 715980 25,769.50 [SEE DOD LETTER ATTACHED] 2. M&T BANK SAVINGS ACCOUNT # 15004200919198 88,822.45 [SEE DOD LETTER ATTACHED] 3. MEMBERS FIRST ACCOUNT# 50059-00 1,584.98 [SEE DOD LETTER ATTACHED] 4. VERNEDA KRAMER MEDICAL REIMBURSEMENT CHECK 230.00 5. CURTIS E. KRAMER -MORTGAGE NOTE PAYMENT 1,000.00 6. REFUND THRIVENT FINANCIAL 211.75 7. VEHICLE -1997 MERCURY GRAND MARQUIS LS SEDAN 3,200.00 (KELLEY BLUE BOOK VALUATION ATTACHED] 8. PROCEEDS FROM SALE OF VEHICLE -1969 FORD THUNDERBIRD 1,500.00 [SEE ATTACHED GROSS PRICE] 9. ALLIANCE CAPITAL MGMT. DIST .FUND REFUND ~ 21.30 10. VA DEATH BENEFIT 600.00 11. PROCEEDS FROM SALE OF SAVINGS BONDS 2,271.87 12. AMERICAN LEGION DEATH BENEFIT 200.00 13. DEPARTMENT OF VETERAN'S AFFAIRS DEATH BENEFIT 1,400.00 TOTAL (Also enter on line 5, Recapitulation) I S 17a R 11 RA REV-1511 EX + (12-99) SCHEDI/LiE H COpNiAONWEALTH OF PENNSYLVANIA FUNERAL EXPENSES Sr INHERffANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER CARROLL E. KRAMER 21 09 0327 Debts of decedarrt must be reported on Schedub I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. HOFFMAN-ROTH FUNERAL HOME 11,603.29 2. DRY CLEANING SUIT FOR FUNERAL 9.50 3. CLOTHING FOR FUNERAL 27.99 4. FUNERAL LUNCHEON - ST. PETER'S LUTHERAN CHURCH 1,000.00 5. W. PENNSBORO VOL. FIRE CO. HALL RENTAL FEE 200.00 6. HEADSTONE CARVING 185.00 B. ADMINISTRATIVE COSTS: ~, Personal Representative's Commissials Name of PersonalRrtive(s) ANITA MC COY & FRANKLIN KRAMER-2 1/2 % EA 7,554.80 Social Security Number(syE1N Number of Personal Represerriative(s) 209-36-3950 8 209-36-3526 street Address 230 CANDLELITE DRIVE & 1727 FULTON STREET city CARLISLE 8 HARRISBURG State PA Z;p 17013 Year(s) Conrrnission Paid: 2009 2, AUomeyFees DUNCAN 8~ HARTMAN PC 7,554.80 3. Family Exemption: (If deoaderrCs address is not the same as daimarKs, attach explanation) Claimant Street Address City Sate ~ Relationship of Claimant fA Decedent 4• Probate Fees REGISTER OF WILLS 345.00 5 AccarrrtanCs Fees 6. Tax Retum Preparer's Fees 7. CUMBERLAND LAW JOURNAL -LEGAL NOTICE 8. THE SENTINEL -LEGAL NOTICE 9. REGISTER OF WILLS -FILING FEE 10. HELD IN RESERVE 75.00 176.92 15.00 400.00 TOTAL (Also enter on line 9, Regpitulati©n) ~ s 29.147 REV-1512 EX + (12-03) SCHEDl~LE / CONMONYVFALTH OF PENNSYLVANIA DEBTS OF DECEDENT, INHERITANCE TAX RETURN MORTGAGE LIABILITIES & LIENS RESIDENT DECEDENT r ESTATE OF FILE NUMBER CARROLL E. KRAMER 21 09 0327 Report debts incurred by the decedent prior to death which remained unpaW as of the date of death, including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. STOTT 8 STOTT -TAX PREP 2008 TAXES 190.00 2. MST BANK -CREDIT CARD PAYMENT 230.00 3. MARCH VA PENSION CHECK RETURNED 974.00 4. CERTIFIED MAILINGS POSTAGE 12.20 5. APRIL VA PENSION CHECK REVERSED OUT OF CHECKING ACCOUNT 974.00 6. SENTINEL AD FOR THUNDERBIRD SALE 21 99 7. GAS FOR THUNDERBIRD TO AUCTION 21.00 8. SALES BROKER FEE FOR THUNDERBIRD [SEE ATTACHMENT] 500.00 TOTAL (Also enter on line 10, Recapitulation) I E 2 923 19 (tf more space s needed. insert addfional sheets of the same size) REV-1513 EX + (9-00) SCHEDULE J CON~IAONWEALTH OF PENNSYLVANIA BENEFICIARIES INHERRANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER CARROLL E. KRAMER ~~ no nzh~ RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Tnntee(s) OF ESTATE I TAXABLE DISTRIBUTIONS [rlckrde outrigh t spousal distrilwtions, and transfers under S 911 1 l ) ec. . 6 fa 1. ANITA M. MC COY Lineal 230 CANDLELITE DRIVE 20% SHARE CARLISLE, PA 17013 2. FRANKLIN C. KRAMER Lineal 1727 FULTON STREET 20% SHARE HARRISBURG, PA 17102 3. DEBORAH A. FRYSINGER Lineal 5 MOUNTAIN VIEW DRIVE 20% SHARE CARLISLE, PA 17013-1098 4. CURTIS E. KRAMER Lineal 628 DEVONSHIRE DRIVE 20% SHARE CARLISLE, PA 17013 5. NANCY C. MC CAUSLAND Lineal 135 N. 17TH STREET 20% SHARE CAMP HILL, PA 17011 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 T HROUGH 18, AS APPROPRUITE, ON REV-1500 COVER SHEET II. NON-TAXABLE DISTRIBUTIONS: 1. A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS 1. TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET ; ~~~ mwr spdc,~e is neeaea, insert aaamonal sneers oT the same size) ~rrv~r ~. ~r~m~er I, Carroll E. Kramer, of 43 West South Street, Carlisle,. Cumberland County, Pennsylv~.nia, being of sound mind, memory and distrilaution, do hereby make, publish and declare this to be my Last Will and Testament, hereby revoking and making void any and all Wills or Codicils at any time heretofore made by me. .. I dix+ect that ~ expenses of my last illness and funeral be paid from my estate as soon as may be convenient after my death. a 1 $t~1t1~ I give, devise and bequeath all the rests residue and winder of mfr estate, , pe~sos~ and mixed, of whatsoever nature and wheresoever situate, to my children, ANITA M. McCGY, FRANKLIN C. KRA1~iER, DEBORAH A. FRYSINGER, CURTIS E. I~:]EtAMER and NANCY C. McCAUSLANDs in equal shares. In the event that any of my chhildren predecease me, I then direct said deceased child's share be given to his or her surviving children. In the event Anita M. McCoy predeceases me, it is rnp wish that her equal share go to her husband, Jay A. McCoy, so long as they ate not legally separated or divorced at the time of Anita M. McCoy's death ~frlx .All federal, state, and other death taxes payable because of my death on the property formiflg my gxoss estate for tax purposes, whether or not it passes under this any Last Will and Testament shall be paid out of the principal of my general estate just as if they were my debts, and none of these tales shall be cbasged. against-any beneficiazy. .~otu~iy: I appoint ANITA M. McCOY and FRANKLIN C. k;ItA11IE.R, the F.xen=+~rs of this my I~st Will and Testament and daxect that they be permitted to serve without bond and without auy int+erventios~ of anp court except as required by law. I authorize my Executors to sell, eacu~mber, ~ ; mortgage, invest, distribute in kind, or retain aray item of property of my estate ~; including real property in such manner as they shall deem proper, limited only by thew owa disarms. ,~Xft~-: `1"he Prenuptial Agreement enter ratio by ~'erneda F. Brandt and I, is an integral,part of my Last Will and testament and is attached l~etcx as Exhibit "A." I direct my Executors to honor all pro~risions contained irl Exhibit "A" IN ~l "~"1Y~'SS ~HEltEC)F, I have, at Carlisle, Pennsylvania, this .~.- ~y dap of f'~r"u car 20(}5, set my hand and seal to this my bast ~~ and '~'est~nent. ~' CARROLL E. I~~RA~R r Signed, Sealed, Published and Declared by the above-named Testator, (CARROLL E. KR:.AMF~I~), as his Last WiII and Testament, in the presence of us, who, at his request, in his presence and in the presence of each other, have hereunto subscribed out Haines as witnesses. 3s-w. ~z~.~7ue, Carl sl.~ PA /7~~3 ~u~~~ BCD S no~~ r COY t ~ s ~~~~'~ 3 ~~ M:f~ll~i! AI 1 ~lif i Commom~vealth of Pennsylv~ia. Cousrty of Cumberland I, CARROLL E. Testator, whose name is sigxted to the attached instninlent, having been duly qualified according to law, do hereby acknowledge that I signed and ~ the instrument as my I1ast Will and Test that I signed it willingip; and that I signed it as my free and v~oluntaty act for the Purposes therein expressed ~~~ ~~. Sworn or affirmed to and subscribed before me by CAItItOI.L E. I~: ~~.,ANIER, the Testator, this ~~ day o£ 2005. xt~~aa n. F Gatli~te Boro, lulu ('nmmiecinn COMMONWEAL'T'H OF PENNSY~.VANIA ss: COUN'T'Y OF CUMBERLAND r ~~~~ We, era / /y~tt~i, and ~ ,the witnesses whose names are signed to the attached instnunent, being duly qualified according to law, depose and say that we were present and saw the Testator sign and execute the instnuneat as his Last Will and Testaanent; that he executed it as his flee and vohmtaty act far the purposes therein expressed; that each of us is the heating and sight of the Testator signed the Will as witnesses; and t~Iat, m the best of our knowledge, the Testatior was at that tune 18 years of age or older, of sound mind, and under no constraint or undue influence. f^ ~~ Sworn ai` affirmed to and subscribed to before me by `;~'~'~G~t.~.~.-e T ~~1~ and ~e2~ ~Lc~,G~~ ~i witnesses, thisl~I~}ay of 20Q~a. p~+l~~' ~~GrRF.F ~'',~~` is made this I y ~da of /~ ~r 2005, by and THIS AGREP~1dENT y .~ between VEKNEI3A F. B.AANDT, of Cumberland County, Pennsylvania, {hereinafter "Verneda'~, and CAKFi(~'.1.I1 ~. i~1~-ANiEB., of Cumberland County, Pennsylvania, (hereinafter "Carroll"}. I. ~ICSGRDFJ1Vl3 WHEREAS, the parties hereto are about to marry and in anticipation thereof, desire to keep their respective estates intact and desire to fix and determine this Prenuptial Agreement all present and future rights and claims that will accrue to each of them in the estate of the other by reason of the marriage, and all rights of inheritance and rights to act as executor or other personal representative arising from the marital relationship, and to accept the provisions of this Agreement in lieu of ~.~d in hill discharge, settlement and satisfaction of all such rights artd ~. WH~~EAS, the parties hereto ate ~cr~t~p~ting ~~ring ~~ a n relationship with one att~th~ and in anticipation thereof, desire to ~ and detetnzine by this P~~ ~l-grent certain of the rights anal c~la~ns that will accrue to each of them by virtue of their marriage. Further, it is the ir~ation of the parties to exclude said property from characterization as marital property, which would be subject to distribution in the event that the parties were to be divorced and to set forth in this Agreement a provision for distribution of said property and business ix: the event that their marriage should so terminate. .~l, ~ERSTANDIIITG NOW THERF.FC}RE, in consideration of the promises and of their forthcoming nom, and in further consideration of the mutual promises and undertakitngs hereinafter set forth, each intending to be legally bound hereby, the parties agree as follows: F,1~1 ~~Y~~L ~1~SGLOSURE ~'he parties hereby confirm that each has disclosed to the other the full extent of their respective present assets, income, expectancies and liabilities. Schedule "A," which is attached to this Agreement and hereby made part of this Agreement, is a listing of Verneda's assets as of the date of this Agreement Schedule "B," which is attached to this Agreement and hereby made part of this Agreement, is a listing of Carroll's assets as of the date of this Agreement IY. A13VIGE t~FL^~ITrVS~ A. The provisions of this Agreement have been fully explained to the parties by counsel, 11+Tichael T. Trader, Esquire. The parties have agireed to both be represented by Michael T. Trader and have waived any issues of con#lict that may arise from both parties being represented by Michael T, Trailer, B. Verneda has carefully reviewed provisions of the Pennsylvaniia Divorce Code of 1980 and its amendments with counsel and Verneda understands and acknowledges that in the event the parties become separated or divorced or an action for divorce is instituted by either party, Cattail's obligation to make payments to Verneda for her support, maintenance ox as alimony or alimony pendente life might, as a matter of law, exceed the amount provided for her under this Agreement Farther, Veda unders~~ds-and aclmo*~ledges that iri the event of a -divorce, ir3 the absence of any agreement respecting the parties' Property rights, she might be entitled to an equitable distribution or other division of marital property of the property of Carroll, which might, as a matter of law, exceed the provisions for her under this Agreement. Therefore, with full knowledge of the above, Verneda agrees to accept and be bound by the terms and provisions of this agreement in lieu of any tight to support, maintenance, alimony, alimony pendente life, equitable distribution or other division of property. C. Verneda has carefully reviewed the provisions of the Penrisyl!vania Probate Estates and Fiduciaries Code with counsel and Verneda understands and acknowledges that in the absence of an agreement, she would, as a matter of law, be entitled as the survivixig spouse of Carroll to a share of his real and personal estate and that the share to which Vetneda would be entitled might ea+ceed the amount provided for her under this Agreement. Therefore, with full knowledge of the above, Verneda agrees to accept and be bound by the teens and provisions of this Agreement in heu o~any its she might have as a survivisig spouse of Carroll. D. Caxroll has carefully reviewed provisions of the Pennsylvania Divorce Code of I980 and its amendments with counsel and Carroll understands and acknowledges that in the event the parties become separated or divorced or an action for divorce is instituted by either Party, Verneda's obligation to miake payments to Carroll for his support, maintenance or as alimony or alimony pendente life might, as a matter of law, exceed the amount provided for him under this Agreeament. Further, Carroll understands and acknowledges that iu the event of a divorce, in the absence of any agreement respecting the .parties' property rights, he might be entitled to an equitable distribution or other division of marital property of the property of Verneda, which might, as a matter of law, exceed the provisions for him under this Agreement, 'T'herefore, with full knowledge of the above, Carroll agrees to accept and be bound by the terms and provisions of this agreement in lieu of any right to support, maintenance, alimony, alimony pendente life, equitable distribution or other division of property. ~, Farroll has carefully reviewed the provisions of the Pennsylvania Probate Estates acid Fiduciaries Code with counsel and Carroll understands and acknowledges that in the absence of an agreement, he would, as a matter of law, be entitled as the surviving spouse of Verneda to a share of her real and personal estate and that the share to which Carroll would be entitled might exceed the amount provided for him under this Agreement. Therefore, with full knowledge of the above, Carroll agrees to accept and be bound by the terms and provisions of this Agreement in lieu of any rights he might have as a surviving spouse of Verneda. v. o~~rts~ o~ ~~v pROpr~~ To the extent that no written agreement is entered into by the patties as to any property acquired after the date of the marriage, the parries will indicate their intentions as to ownership by title: if the properly is held in joint title, the property is intended to be owned equally by both and so divided in the event of divorce; if title is held individually in the name of one of the parties, that person shall be the only owner and the property shall not be subject to any Maim or control of the other. As to all such property acquired after the marriage, the parties hereby waive any and all right to equitable distribution thereof, or to any increase in the vatue thereof, and they hereby r _i r confirm their intention that in lieu of any property rights conferred by statute or common law in such property by virtue of their marriage, ownership of the property and all rights therein and claims thereto shall be controlled by the provisions of this Agreement Y~ DWNERSl~ll' ~.+FNUN-7"1fiLE.D PROP~R'TY The provisions of this Ag~ceement as to titled property shall not apply to non- tit~ personal property (such as furniture} which the parries may acquire after the marriage: such non-titled personal property shall be presumed to be joint marital property unless made the subject of a separate written agreement signed by both patties. The garties intead, with respect to the non titled personal property which they. have accutn~ilated prior to their marriage, that each shall retain separate ownership and control of all such items, including any appreciation in value thereof, flee of ail claims by the other; and that neither the same items nor their appreciation in value are to be considered marital property subject to equitable distribution, pursuant to the Pennsylvania Divorce Code of 1984, as amended, or any sssnilar law of any jurisdiction which may be applicable now or in the future. l~l. SPdUSAL SfIFPf~R~; AI1MiDNY, ALIMONY PEND.EN?F.'LlTE The parties hereby agree that in the event of a separation or divorce, each hereby waives any and all right to receive payments on account of spousal support, maintenance, alimony pendente life, alimony, counsel fees or costs or any other payments of a similar naxure to which he or she, in the absence of this Agreement, might be entitled by statute, including rights arisiag pursuant to the Divorce Code of 1980, as amended, or any similar laws of any jurisdiction which may be applicable now or at any future time. Yl1I..R~,~GEASL~' DFRIGH~"S A. A.rsa#s: Except as otherwise spec~tfically set forth in this Agreement, each Party shall retain sole ownership, control and enjoyment of all property transferred ~ him or her, or agreed to be his or her separate property Pursuant to this Agreement, P~~y paragraPhs, V, VI, whichever would apply: Each party releases his or her rights to such separate property, including any appreciatian and increments in value thereon, free and clear of easy claim, right or interest by the other party, including, without ]imitation, any claim or right to equitable distribution or other allocation or division of such property under the laws of the Commonwealth of Pennsylvania or any other state upon separation or divorce. Each party shall. have the exclusive right to dispose of such property without interference, oat restraint by the other, as if the relationship, including nom, had not taken place. B. Mir~sllmrao~rcEst,~1r l~bts Except as otherwise specifically set ~~ ~ this Agreement and each parties' Last Will and Tesnement, each party hereby waives, renounces and releases any and all rights, title, interest, election and demand winch he or she may have acquired by reason of their relationship, their ~ or otherwise, including but not limited to, the right tc~: tape against any Will of the other and any conveyance of assets by the other, to share in the estate of the other under the Intestate Laws of the Conunonwealth of Pennsylvania; to administer the estate or qualify as an Executor of the Will of the other; or m claim the widow's or widower's rights, family exemption or homestead allowance; or to claim aay comxnuni ,dower tq or courtesy interest in the property of the other; or to cLvm any right to equitable distribution ar other allocation or division, upon separation or divorce, of the property of the relationship, including marriage; to make any other claims, inchoate or otherwise, to any property or right of the other, whether or not arising out of their i _r relationship including niaraage. The provisions hereof shall not affect the right of either party to provide for the other as she or he may see fit by Will or other bequest (whether hereaofore or hereafter executed), or to appoint him or her as executor, nor bar either party from serving as executor in the event of such appointment, nor shall they operate to bar any survivorship rights of either party in jointly held property. IX. GIF.7~ P ~s,Ir1 Nothing herein shall be construed as preventing either of the parties from giving any of his or her property or estate to the other by deed, gift, or otherwise. ~ DEBTS Each of the parties agrees to keep the other indemnified and saved harmless from all debts or liabilities incurred by him or her prior do the date of this Agreement and from all actions, claims and demands whatsoever with respect thereto, and from all costs, legal or otherwise, and any counsel fees whatsoever Pig to such actions, claims and demands. Furthermore, neither party shall contract or incur any debt or liability for which, the other might be responsible without the knowledge and consent of the other, and each party .shall keep the other indemnified and save the other hamatess from all such debts ar liabilities incurred by him r her subsequent to the date of this Agreement and from all actions, claims and demands whatsoever with respect thereto, and from all costs, legal or otherwise, and counsel fees whatsoever pertaining to such actions, claims and demands. Xl: EFF.I'G7'fJF`D1VO~GEDECRFF If the parties marry, and should later divorce, any divorce decree shall not affect the terms of this Agreement and this agreement shall continue in fiill force and effect after such decree. The provisions of this agreement may be incgrporated in and become part of any decree of divorce for the purpose of enforcing the terms of the Agreement; however, it shall riot be merged with any such decree nor shall it be incorporated to enable a Court to modify the Agreement upon a showing of changed circumstances. The parties agree that, notwithstanding any changes in the value of each party's income and assets or other economic circumstances, this Agreement is a reasonable settlement of their respective marital rights and theyr waive any rights which they may now or hereafter have to seek modification of thee.. Agreement in any court xlr. co~szn.ERATroly The consideration for this A.g~eement is the mutual promises and waivers herein contained and the marriage about to be solemnized. If the marriage does not take place, this Agreement shall be in all respects and for aIl purposes null and void. .Klll: NO WAIVER OFDFsFAULT The failure of either party to insist upon stdct performance of any of the provisions of this Agreement shall not affect the right of such party thereafter to enforce same, nor shall the waiver. of any breach of any of the provisions be construed as a waiver of any subsequent default of same or similar nature, nor shall it be construed as a waiver of strict performance of any other provisions. XIS: sEYERABLT.I'I"Y If any part of this Agreement shall be declared void or invaliid by operation of law or otherwise, only such part shall be void and the other provisionns shall remain valid and enforceable. .M4DIFIGAT7f)N This Agreement may be modified by the parties at any time after such modification shall only valid if in writing and executed with ~e s nl~' but this Agreement. ame formaltty ~ ~= ~~lD,INGS 'Z~e headings preceding the text of the P~agtaphs in this .Agreement are inserted for convenience of reference only and shall not affect the me . . of this Agreement, a~g or scope Xfrl1: EN~IREAGI~E~MEN.~' This Agreement contains the entire understanding of the parries. The representations re are no ,warranties, promises, or unde~~ oral or otherwise, other than, those expressly set forth herein, xvrrr. Ac~~.~.iv~'~rN.~-.tNC aN.~.r.~s This Agreement shall be binding upon acid shall inure to the benefi pies herein and their res ective t of the p heirs, execytors, a~tustrators, successors and assigns. ~YIX: GOT~ERNIINGLA ~ 'Phis ~ent is entered ~~ ~ the Commonth of P shall ~ construed under and in accordance with the laws of lv and the CQmmanweatth of Pennsylvarna and this shall is no way be affected by any ~ ~ d of the parties. onuccle of esther xx. colv°r~crnv~,~~rAxroly For purposes of contract interpretation and for the purpose of resolving any ambiguity herein, the parties agree that this Agreement was prepared jointly by their attorney. Each of the parties has carefully read and fiilly considered this Agreement and all of the sta~nents, terms, conditions and provisions thereof prior to signing below. IN WITNESS WHEREOF, the parties hereto have set their hands and seals the day and year first written above. r--.--- Witness Verneda F. Brandt ,f Witness Carroll E. I~'samer Sworn or affirmed to and subscribed before me by VERNEDA F. BRANDY and CARROLL E. KR.AMER, _ this j.~y of ~~~ 2005. N ARY PUBLIC COMMONWEALTH OF PENNSYLV Notarial Sea! Rhonda D. Rudy, Notary Public Carlisle Boro, Cumberland My Commission lrxpiros Aug. 1 Member, Pennsylvenie Assocfetbn of NOterfes Schedule A Verneda Brandt Assets Amount Onstown Bank GD $18,000.00 House Ystue and Farm $150,000.00 2 bfis Vehicles '1895 Chrysler $4,000.00 Bank Staiier»ents $45,000.00 {Ct)} Bank Storks Unknown Amount knottsse Food`s Stock Unknown Amount Savings $T,1 T5.13 Checking $480.38 Tots) $225,56b.51 Schedule B ~l~rrall E. Krasner amount M&T Bank Checking Account $13,500.00 Savings Account $25,000.00 C}rrstown Bank Certifleate of t7eAostt 53,900.Ot1 Members 1st Federal Cr+edr~ Unlon Savings Account $1,300.00 Certificate of Deposit $53,000.00 (as of November 28 this v~ revert back tQ $3,000} Thnvent Finandal ibr Lutherans Urtiver'sai 1»ife $35,500.00 Strong investments, !nc jMet-tile) Strong Advisory Munidpsl Bond B Fund 515,800.00 Pnrdendal Life insurance Policy No. 11235042 $1,500.00 Life insurance Pdicy No. 17373060 $2,000.00 Residence & shop 43 VVast Soutlt Street S Chapel Avenue 5140,000.OD Carlisle, PA Vehudds 1987 Mercury Marquis 53,000.00 1969 Ford Thunderbird $2,000.00 Shop Toots 8 Equlprrr~-nt 52,OOfl.00 Total 5304,500.00 J 48500041046 REV-485 EX (1-07) SAFE DEPOSIT BOX INVENTORY PA Department of Revenue PLEASE USE ORIGINAL FORM ONLY Social Security or Death Cert~cate Number Date of Death County Code Year File Number 1 8,4 ..,~: & 1'- ~`X 3'4 ~ 5`7 0 --3 2.;~8~ ~~ .Oa~:9 .~ 2~1 J ~ 7~ ~ ~ . Decedent 's Last Name Suffix First Name MI R M E f ~ ~ ~ ~ C A~ R ~ R fl`i L ~L n ~ s/ ' E ADDRESS OF DECEDENT STREET: CITY: STATE: ZIP CODE: Newville PA 17241 NAME AND ADDRESS OF PERSON REQUESTING THE OPENING OF THE SAFE DEPOSIT BOX NAME: William A. Duncan, Esq. ' ' STREET ADDRESS: CITY: STATE: P ~~~~ ~ 1 Irvine Row Carlisle PA NAME, ADDRESS AND RELATIONSHIP (IF ANY) TO DECEDENT, OF PERSON(S) PRESENT AT THE BOX OPENING a. NAME: Anita M. Mc Coy RELATIONSHIP: Daughter STREET ADDRESS: CITY: STATE:A C l l Z1P~ODE: _ 230 Candlelite Drive e YY ar is 17111.1 b. NAME: RELATIONSHIP: ( STREET ADDRESS: I CITY: STATE: ZIP CODE: I c. NAME: i RELATIONSHIP: STREET ADDRESS: CITY: STATE: ZIP CODE: NAME AND ADDRESS OF FINANCIAL INSTITUTION WHERE THE SAFE DEPOSIT BOX IS LOCATED NAME: ~ I Orrstown Bank STREET ADDRESS: CITY: STATE: ZIP CODE: 22 S. Hanover St. Carlisle PA 17013 NAME OF PERSON MAKING LAST ENTRY DATE AND TIME OF LAST ENTRY Anita M Mc DATE OF CONTRACT TO RENT BOX ' NUMBER OF BOX 1 TITLE UNDER WHICH BOX IS REGISTERED ( 05/07/1998 30 . NAME AND ADDRESS OF PERSON(S) HAVING ACCESS TO BOX a. NAME: b. NAME: Carroll E. Kramer STREET ADDRESS: STREET ADDRESS: 13 Midland Road, Newville, PA 1724 CITY: STATE: ZIP CODE: CITY: STATE: ZIP CODE: NAME AND TITLE OF EMPLOYE TAKI THE INVENTORY ~ I e v ~~ d~-c. r WAS A WILL IN THE BOX? ^ YES u NO If yes, a. Date of wlll: b. Name and address of personal representative, if named m the will NAME: i STREET ADDRESS: CITY: STATE: ZIP CODE: c. Name and address of attorney, if any NAME: i STREET ADDRESS: CITY: STATE: ZIP CODE: 48500041046 48500p41046 J ~ _ REV-485 EX SAFE DEPOSIT BOX INVENTORY Page_____of INSTRUCTIONS _ (1) Cash: Report total only. (2) Stocks: List in detail every common or preferred certificate, warrant or other rights found in box. Stocks are to be designated by name of company, certificate number, date of certificate, name in which stock is registered, and number of shares and class of stock. (3) Obligations of U.S. Government: Number of items, date of issue, face value, names in which registered and type of ownership, i.e., jointly held, payable on death, etc. (4) Bonds: Designate by name, amount, serial number, or other designation. (Bearer Bonds) (5) Bank and Savings and Loan Passbooks: State name of depositor, number of book, last date appearing in book, name of bank and branch, and balance. (6) Jewelry, Coins, Stamps, Manuscripts, etc: List and describe as fully as possible. (7) Deeds, Mortgages, Current Insurance Policies or other evidences of indebtedness: List and describe as fully as possible. (8) All other contents. (9) Return completed form to: DEPARTMENT OF REVENUE INHERITANCE TAX DIVISION PO BOX 280601 HARRISBURG, PA 17128-0601 ITEM ITEM DESCRIPTION .. L~ ~~~. o ~ r~~~~~L ~ ~ 1~~~ -~ ~'~c_~ ~~~ ~t~oO c7 d ~~ ~ ~ ~ ~' ~ U ~L ~. S3~ G !~ ~. _~~ t~ r tr1~-~ ~ - t t-~ `~ ~ l ~~'~'i~_ ~~~ ~~ - ig~vV . L -- ~ ~_ ~ t t~J' ~1 t ~ ~. t.2. _ I CERTIFY UNDER PENALTY OF PERJURY THAT THE ABOVE RECORD IS CORRECT AND COMPL TE TO THE BEST OF MY KNOWLEDGE AND BELIEF. PERSON RECEIVING COPY OF SAFE DEPOSIT BOX INVENTORY: SIGNAT RE ~ PRINT ~ A ~~- , A SIGNAT E ~~~ /~(~ PRI NA E AND CHECK APPROPRIATE BOX 8 W: PRINT TITLE- DATE , / , ,~ ~ ~V ~ ~~ "]~ CHECK APPROPRIATE BOX: ~Executor(tdx) ^ Administrator(trix) y i ~/ ~~ ~/~ / f(~ ~^ ` "~/{,~ ~ ! ~ ` 1 ^ Estate Representative ^ Joint owner of safe deposit box NOTE: Attach additional 8'/:" x 11" sheet(s) if necessary or use duplicates of this page of form. The Department is authorized by law, 42 U.S.C. §405 (c)(2)(C)(i), to require disclosure of Social Security numbers in connection with administering state tax laws. The Department uses the Social Security number to identify the decedent and personal representatives of the estate. The Commonwealth may also use the information in exchange of tax information agreements with Federal and local taxing authorities. The state law prohibits the Commonwealth's personnel from disclosing confidential tax information except for official purposes. Z ~~ 2 P 3/ ~ 7I~2 n~ °~ ~~~ Ru _czo-' PRUDENTIAL FINL INC Classic Chart Quote Details Option Chains PRU :Daily (3127/09 -3/28/09) High-Lw-Open-Close _ __ Historical Prices ~ - _ -_ _- 32 Dividends & Splits - _ . __ - _- __ -- - _ _ _- ~ Average Monthty Returns _.._ - - ...__._. _ _ .._.._ _... _ _- - _ __ _ _ _ _. _ 2$ classic Chart -- ._.__ ___._-- -- ~ "~'® Advanced Chart - -_ _ _ ._ __-- _._ _ __ __ _ - _ ~ ~f!v1 ~ ts~ Technical Charts . _ _ __-- _ --.-- , Reat-Time Headlines _ . __ _ - - __ _ - _ - - - __ _.. - - - 20 -., News 8 Anatysis ._. ~ --- -. -- _- ._. _. _. _.- _ _ __ _.-- -_ ~ TradePublicatlons - _ --- ~_ ___ __ _.. _- _-- ~ I Regional - _ _- _ _ 14 Press Releases __ _-. _----- -_-- 4 Blogs Message Boards tc> 2009 nOL LLC Profile Intraday 1 Mo 2 Mo 3 Mo 6 Mo 9 Mo YTD 1 Yr 2 Yr 3 Yr 5 Yr 10 Yr Company Description f~utDW: CfiMt: Key Executives ~ SaYetaolrRt~Aan~~orCusMmDates Ys~tw Awra Top Competitors ~--'~ .~t~/p~p /~ r Insider Transactions Insider Trends .~ a .I. Compatson: (Op6oneq r~~ on: r sa+~ Short Interest _ r alu+ r r • saP soo t~9OO''0011~~ r DtMtlpr,ds + Institutional(hvnership ~dlwraytbo1s11xpRU C~ 8'~~ ~ {~ Index Membership SEC Pilings Clwt6alar: Show Chart Doh t~IdptE ~~ ~ barliCtl ~ Earnings Analysis Iuerul ' Aduals & Estimates Fisbriul Dale Pro~dtled ~ Earnings Releases s ~ ~~ Scoitrade~ S7 Online Trades & Powerful Trading Tools. Open an Account Online Today! r ~ a~ .. ~. D~~~ ~vri~~ ~- ,- '~~~- ~') ~'~ ~ ,.+a ...~ .~. ~_z ~, d`~ ~ r V ~,~ ~an~~ ,~~~~~~ ~T `:;~lrrc?~~~ e'r~.e~~ r~S~?Jcl ~lY:'x fj2 tEei {~5'' P.O. Box 5266 Boston, ~biassachusetts 0~26G ~~~::~w~.~;veilsfargo.com advantac,~efunds June 24, 2009 William A. Duncan Duncan & Hartman, P.C. One Irvine Row Cazlislem PA 17013 Reference: 01409955 Dear Mr. Duncan: COPY Thank you for informing us of the death of the late Carroll Kramer and for requesting a date-of--death account value. Carroll Kramer held individually registered Wells Fargo Advantage Municipal Bond Fund Class A account #3317-10008920. The account value is provided in the following table as of the date that Carroll Kramer passed away, March 28, 2009: Share Balance Share Price Account Value Dividends* 1,985.957 $8.34 .. $16,562.88 $65.81 Drvrdettds accrued March I through March 28, 2009 Please note that, because Mazch 28, 2009, fell on a weekend, the date-of--death value is for the previous mazket close, which was March 27, 2009. Information in this letter is historical and may not reflect the current balance in the account. Please refer to statements for actual holdings and detailed information. Investment values may fluctuate. Wells Fargo Funds Management, LLC, a wholly awned subsidiary of Wells Fargo & Company, provides investment advisory and administrative services for Wells Fargo Advantage Funds. Other affiliates of Wells Fargo & Comparry provide subadvisory and other services for the Funds. The Funds are distributed by Wetls Fargo Funds Distributor, LLC, Member FINRA/SIPC, an affiliate of Wells Fargo & Company. Calculated Value of Your Paper Savings Bond(s) Calculated Value of Your Paper Savings Bond(s) Calculator Results for Redemption Date 05/2009 Page 1 of 1 Total Price Total Value Total Interest YTD Interest $362.50 $2,267.60 $1,905.10 $9.80 Bonds: i-19 of 19 Seriaf # Issue Next Fina! Series Denom Date Accrual Maturity Issue Price Interest Intierest Rate Value Note L4163831EE EE $50 04/1983 10/2009 04/2013 $25.00 $80.64 2..99% $105.64 Q6345444792E E $25 12/1979 06/2009 12/2009 $18.75 $87.58 4,.00% $106.33 Q6345444520E E $25 10/1979 10/2009 10/2009 $18.75 $88.69 4.00% $107.44 Q6345444215E E $25 08/1979 08/2009 08/2009 $18.75 $88.69 4.00% $107.44 Q6309679913E E $25 06/1979 06/2009 06/2009 $18.75 $88.69 4.00% $107.44 Q6309679589E E $25 03/1979 03/2009 $18.75 $89.53 $108.28 MA Q6309679244E E $25 01/1979 01/2009 $18.75 $89.53 $108.28 MA Q6253214876E E $25 11/1978 11/2008 $18.75 $89.23 $107.98 MA Q6253214492E E $25 08/1978 08/2008 $18.75 $88.22 $106.97 MA Q6253214116E E $25 06/1978 06/2008 $18.75 $88.19 $106.94 MA Q6201744736E E $25 04/1978 04/2008 $18.75 $89.79 $108.54 MA Q6201744342E E $Z5 01/1978 01/2008 $18.75 $109.70 $128.45 MA Q6149673944E E $25 11/1977 11/2007 $18.75 $109.34 $128.09 MA Q6149673553E E $25 09/1977 09/2007 $18.75 $120.92 $139.67 MA Q6149673154E E $25 07/1977 07/2007 $18.75 $120.92 $139.67 MA Q6117745758E E $25 04/1977 04/2007 $18.75 $119.29 $138.04 MA Q6117745353E E $25 02/1977 02/2007 $18.75 $119.29 $138.04 MA Q6089924934E E $25 12/1976 12/2006 $18.75 $119.29 $138.04 MA Q6089924546E E $25 09/1976 09/2006 $18.75 $117.57 $136.32 MA Tofta~ for 19 Bonds 62.50 1905.10 2 267.60 Notes NI Not Issued NE Not eligible for payment P5 Includes 3 month interest penalty MA Matured and not earnin interest http://www.treasurydirect.gov/BC/SBCPrice 5/27f2009 Dated: December 29, 2006 NOTE $18,000.00 (Amount) 45 W. Chapel Allev (Property Address) Carlisle, Pennsylva~nial (City) (State) 1. BORROWER'S PROMISE TO PAY In return for a loan that I have received, I promise to pay U.S. $18.000.00 (this amount is called "principal"), to the order of the Lender. The Lender is Carroll E. Kramer . I understand that the Lender may transfer this Note. The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the "Nate Holder." 2. INTEREST Interest will be charged on unpaid principal until the full amount of principal has been paid. I will pay interest at a yearly rate of zero percent (0.000%). The interest rate required by this Section 2 is the rate 'I will pay both before and after any default described in Section 6 (B) of this Note. 3. PAYMENTS (A) Time and Place of Payments. I will pay principal and interest by making payments every month. I will make my monthly payments on the 1~` day of each consecutive month beginning on February 1, 2007. I will make these payments every month until I have paid all of the principal and any other charges described below that I may owe under this Note. My monthly payments will be applied to interest before principal. If, on January 1, 2010, I still owe amounts under this Note, I will pay those amounts in full on January 1, 2010, that date, which is called the "maturity date." I will make my monthly payments will at 13 Midland Road, Newville PA 17 41, or at a different place if required by the Note Holder. (B) Amount of monthly payments My monthly payment will be in the amount of U.S. 500.00. 4. BORROWER'S RIGHT TO PREPAY I have the right to make payments of principal at any time before they are due. Any payment of principal only is known as a "prepayment." When I make a prepayment, I will tell the Note Holder in writing that I am doing so. I may make a full prepayment or partial prepayments without paying any prepayment.charge. The Note Holder will use all of my prepayments to reduce the amount of principal that I owe under this Note. If I make a partial prepayment, there will be no changes in the due date or in the amount of my monthly payment unless the Note Holder agrees in writing to those changes. 5. LOAN CHARGES If a law, which applies to this loan and which sets maximum loan charges, is finall~+ interpreted so that the interest or other loan chazges collected or to be collected in connection with this loan exceed the permitted limits, then: (i) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limits; and (ii) any sums already collected from me which exceeded permitted limits will be refunded to me. The Note Holder may choose to make this refund by reducing the principal I owe under this Note or by making a direct payment to me. If a refund reduces principal, the reduction will be treated as a partial prepayment. 6. BORROWER'S FAILURE TO PAY AS REQUIRED (A) Late Charge for Overdue Payments If the Note Holder has not received the full amount of any monthly payment by the end of fifteen (15) calendar days after the date it is due, I will pay a late charge to the Note Holder. The amount of the chazge will be five (5%) percent of my overdue payment of principal and interest. T will pay this late charge promptly but only once on each late payment. (B) Default If I do not pay the full amount of each monthly payment on the date it is due, I will be in default. (C) Notice of Default If I am in default, the Note Holder may send me a written notice telling me that if I do not pay the overdue amount by a certain date, the Note Holder may require me to pay immediately the full amount of principal which has not been paid and all of the interest that I owe on that amount. That date must be at least thirty (30) days after the date on which the notice is delivered or mailed to me. (D) No Waiver by Note Holder Even if, at a time when I am in default, the Note Holder does not require mg to pay immediately in full as described above, the Note Holder will have the right to do so if I am in default at a later time. (E) Payment of Note Holder's Costs and Expenses If the Note Holder has required me to pay immediately in full as described above, the Note Holder will have the right to be paid back by me for all of its costs and expenses in enforcing this Note to the extent not prohibited by applicable law, those expenses include, for example, reasanable attorneys' fees. 7. GIVING OF NOTICES Unless applicable law requires a different method, any notice that must be given to me under this Note will be given by delivering it or by mailing it by first class mail to me at 628 Devonshire Drive Cazlisle, PA 17013 or at a different address if I give the Note Holder a notice of my'different address. Any notice that must be given to the Note Holder under this Note will be gi~+en by mailing it by first class mail to the Note Holder at the address stated in Section 3(A) above or at a different address if I am given a notice of that different address. 8. OBLIGATIONS OF PERSONS UNDER THIS NOTE If more than one person signs this Note, each person is fully and personally obligated to keep all of the promises made in this Note, including the promise to pay the full amount owed. Any person who is a guarantor, surety or endorser of this Note is also obligated to do these things. Any person who takes over these obligations, including the obligations of a guarantor, surety or endorser of this Note, is also obligated to keep all of the promises made in this Note. The Note Holder may enforce its rights under this Note against each person individually or against all of us together. This means any one of us may be required to pay all of the amounts owed under this Note. 9. WAIVERS I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. "Presentment" means the right to require the Note Holder to demand payment of amounts due. "Notice of Dishonor" means the right to require the Note Holder to give notice to other persons that amounts due have not been paid. 10. UNIFORM SECURED NOTE This Note is a uniform instrument with limited variations in same jurisdictions... In addition to the protections given to the Note Holder under this Note, a Mortgage, Deed of Trust or Security Deed (the "Security Instrument"), dated the same date as this Note, protects the Note Holder from possible loss which might result if I do not keep the promises which I make in this Note. That Security Instrument describes how and under what conditions I may be required to make immediate payment in full of all amounts I owe under this Note. Some of those conditions are described as follows: Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the property or any interest in it is sold or transferred (or if a beneficial interest in borrower is sold or transferred and borrower is not a natural person) without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise if prohibited by federal law as of the date of this Security Instrument. If Lender exercises this option, Lender shall give borrower notice of acceleratian. The Notice shall provide a period of not less than 30 days from the date the notice is delivered or mailed within which borrower must pay all sums secured by this Security Agreement. If borrower fails to pay these sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. WITNESS THE HAND (S) AND SEALS) OF THE UNDERSIGNED. Wifiess: .j _.~ ~. Curtis E. Kramer \ c•.,ti eresa L. Kramer a~~ 499 Mitchell Road, Millsboro, DE 19966 Mail Code DE-MB-12 Phone (888) 502-4349 Fax (302) 934-2955 April 23, 2009 Duncan & Hartman, P.C. Attorneys at Law One Irvine Row Carlisle, Pennsylvania 17013 Re: Estate of Carroll E. Kramer Social Security: 184-12-3457 Changed to 806-10-1743 Date of Death: March 28, 2009 Dear Sir or Madam: Per your inquiry dated April 16, 2009, please be advised that at the time of death, the above-named decedent had on deposit with this bank the following: 1. Type ofAccount Checking Account Account Number 715980 Ownership (Names o~ Carroll E Kramer* Opening Date 9/I/67Closed 4/13/09 Balance on Date of Death $ 25, 769.50 Accrued Interest $ 0.71 Total $ 25, 770.21 2. Type ofAccount Savings Account Account Number 15004200919198 Ownership (Names o. f} Carroll EKramer* Opening Date 3/1/77Closed 4/13/09 Balance on Date of Death $ 88, 822.45 Accrued Interest $ 9.74 Total $ 88, 832.19 Please be advised, there was no safe deposit box found for the above decedent. * If upon revi~widg the information above, you believe there are additional accounts not referenced, please provide us with an aacotitnt number and/or name of any possible joint account holder. For any additional information on the above accounts, including ownership and any changes, closures and/or reimbursement of funds, etc., please contact our High Street Carlisle Office # 717-240-4536. Since ly, ''^ ~l~ Lce ~~ ~--. Tracie Hare Adjustment Services MEMBERS 1st FEDERAL CREDIT iJNION SAVINGS ACCOUNT: Account Number/Suffix Date Account Established Principal Balance at Date of Death Accrued Interest to Date of Death Total Principal and Accrued Interest Name of Joint Owner Estate of: CARROLL KRAMER Date of Death: 03/28/2009 Social Security Number: 184-12-3457 50059-00 11 /16/1972 $1, 584.98 $.88 $1, 585.86 None MBERS 1ST FEDERAL DREDIT UNION ~-1~ ~-- Danielle A. Kline Insurance Services Specialist April 22, 2009 5000 Louise Drive P.O. Box 40 Mechanicsburg, Pennsylvania 17055 (800) 283-2328. wwwmemberslst.org - _ _ _ 997_ Mercury Grand Marquis -Private Party Pricing Report -Official ... http:!/www.kbb.coin/K~3B/UsedCars/Pricin~Report.aspx?WebCabego ~~~ ~~~ ~ ~ KAY Bite Book THE TRUSTED RESOURCE ~ _/ ~~~~ ~~ ~ ~ ~/ S bG~'s~5~!,Yloic~~'t ~ /~/~~i yfl ice, . _ .. • ' ~ ' Don't Buy a Used Car carfax.com 1A/ithOUt CARFAX• r~~V ~/ Home New Cars Used Cars Research >3< Explore News il< Reviews Ready To Buy CMSSifieds Loans 8i Insuranc Used Car Prices ~ Search Used Car Listings ~ Certified Pre-Owned ~ Compare Vehicles ~ Perfect Car Finder 1 Most Researched Vehkles ~ CARt ~ Sign Out ~ My KBB ~ Sign In ~ Create Account ~ My KBB ZiP Code: Recently Viewed You Might Also like dome > Used Cars > 5~1~ > lAercurv > Grand M~auis > 1 7 > 1S Sedan 4D 1997 Mercury Grand Marquis LS Sedan 4D Trade-In Value private Party value BLUE BOOK PRiYATE PARTY VAIUE Suggested Retail Value Photo Gallery ' ( Condition Value Compare Vehicles ~;E" ,' Blue Book Review ~~~~ $3,660 Consumer Ratings Good $3,285 Find Your Next Car Specifications Fair $2,860 More Photos •~, Shopping Tools ~ E XT STEP • SEARCH LOCAL LISTINGS Free CARFAX Record Check Auto loan From 6.75% APR Get Your Credit Score Now Free CARFAX Record Check POD by Get a Free Insurance Quote Payment Cakuiator -- -- -- -- ~N' Extended Warranty Quote -- Print For Sale Sign No VIN? No Problem! B;IY A USEt} CAR Average Consumer Rating (85 Reviews) Read Reviews 011 Blue Book CTM _ _. ~ 4.4 out of 5 Review this Vehicle Powered By AutaTt'aaier•,;z . Similar New Vehicles Mercury - 2010 Me rtury Grand Marquis 2010 Ford Taurus Grand Marquis - _ _ Photos I>hotos 25 Mlles or less Pricing P~-~~n-9 Z>P Code ' 17013 ~` _ To view Ads, Cidc More Results tiST YOUR (AR fOR SAIL Vehicle Highlights Special Package 01Terl For one bw price you Mileage: 83,800 can reach miens of ~ V8 4.6 Lter used car shoppers. Tralwnlissbn: Automatic Drivetrain: RWD Consumers Car & T'ruC 3805 Bear Rd. 1(ork, PA 17406 ~~one 717-846-4538 To the Estate of Carroll E l~ramew= 1969 Ford T-Bird Vin # 9Y87N130004 Selling Price $2000.00 (Transport, Registration, Sale Fee, and Title fee) -500.OQ Balance $1500.00 Enclosed is a check rror $1500.00 and a copy of the sale reciept. _ - __ .,_ _. WILLIAM M. OLCUS 5 0 2 E DBA CONSUMERS CAR AND TRUCK '~ 3805 BEAR ROAD YORK, PA 17406 PH. 846-4538 FAX 845-8193 } -~J ''') rJ ~G/ 60-295-313 DATE. - I - -.. t ! G ~ V / -- ~, --- j ,,mot ; • r, _ _ - - --- - --- .. --- ----- _ _ ------- - - -- -- _ ---- -- - - -- - - _ _ _ _ --- Do~~a 8 ~~ ~1~8tT83111C YarkNkiaHVa Dice •~~. ~'i. 1- i e ~ `, ~~i005026n' ~:D3L302955~: 984L93958Lui JAY A. MCCOY o~-71 eon ANRA M. McCOY ~ ~ 5 919 Phl. 717-24!}6ggg € 230 CJ4NDLELITE DRIVE DATE ! $ CARLISLE, PA 17013 PAYTO ~~ ~ '~./n/ ~, ORD~tOg_- NOALS 1l~ l][ /i~~~ ~ ., '-,- _,,..~.__.._~: _.-_. _ E ~0/L~~ -. _ ~.p .._. Tg1~B~ DOLL-AARS u ~;~' aRo. Ai~K /l~ilt.ic..~ . --~:03i302955~: M 58748539w5919 JAY A. MCCOY o~-71 ANiTA M. MarCOY PH. 717 249~89Bg CARLISSLE, pAPA 1 PAYTDTH& ~d ~M~~l~lc orr alto. s~'~ 5920 DATB1 ~~~ -DOLLt4RS u ~~ luD3-f0.7//ill ii/% / ~~ ~:03i302955~; /(~ r 58748539~'S920