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HomeMy WebLinkAbout02-04-10 (2)15056051058 REV-15 0 0 EX (06-05) OFFICIAL USE ONLY PA Department of Revenue Coun Code Year File Number Bureau of Individual Taxes INHERITANCE TAX RETURN tY PO BOX 280601 21 09 0502 Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 405-56-0541 05/20/2009 10/13/1942 Decedent's Last Name Suffix Decedent's First Name MI EMRICH JOHN C (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) 4. Limited Estate 4a. Future Interest Compromise (date of 5. Federal Estate Tax Return Required death after 12-12-82) • 6. Decedent Died Testate • 7. Decedent Maintained a Living Trust 1 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust) 9. Litigation Proceeds Received 10. Spousal Poverty Credit (date of death ,.~ 11. Election to tax under Sec. 9113(A) between 12-31-91 and 1-1-95) (Attach Sch. O) CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number DAVID W. REAGER (717) 763-1383 Firm Name (If Applicable) r-a REGISTER SWILLS USE O~' ~_ REAGER & ADLER P.C. CC-,-~~~ ~ -~ ~~ r ~ ~ ~ -~ ~ z ~ r ~ First line of address - _ ~ , ,~ r~; , r~ - 2331 MARKET STREET ,~ r~r-. ` ~ -~~' ~~ . ,~- ~ a ~,'~~ Second line of address f,.. V7~ ~.-~ ~' l 1 ~ ~.. J ~ ... ( ..M ,., =~, ~ ; :: - ~ - ~ •; Cit or Post Office Y State ZIP Code DA~FiL~D CrJ f;,,~~ , CAMP HILL PA 17011 '~ Correspondent's a-mail address: DREAGER@REAGERADLERPC.COM Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief it is true, correct and complete. Declaration of preparer other than the personal representative is based on all information of which preparer has any k nowledge. , SIGNATURE OF PERSON RESPONSIBLE FOR FILING RETURN DATE ___ 'fir.-,~~~-~- ~~~ ~ ~X c c ~ ~~- p ADDRESS --- 104 JOSHUA COURT, NORTH WALES, PA 19454 SIGN - RE F PREPARE~HER AN REPRESE~ ATI ~ /~ DATE - ~~-- ~.- ~ -~a ADDRESS KERN AND COMPANY P.C., 2331 MARKET STREET, CAMP HILL, PA 17011 PLEASE USE ORIGINAL FORM ONLY Side 1 15056051058 15056051058 J 15056052059 REV-1500 EX JOHN C EMRICH Decedent's Name: RECAPITULATION 1. Real estate (Schedule A) ............................................. 1. 2. Stocks and Bonds (Schedule B) ....................................... 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ..... 3. 4. Mortgages 8~ Notes Receivable (Schedule D) ............................. 4. 5. Cash, Bank Deposits ~ Miscellaneous Personal Property (Schedule E) ........ 5. 6. Jointly Owned Property (Schedule F) ::~ Separate Billing Requested ....... 6. 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) ~:~' Separate Billing Requested........ 7. 8. Total Gross Assets (total Lines 1-7) .................................... 8. 9. Funeral Expenses & Administrative Costs (Schedule H) ..................... 9. 10. Debts of Decedent, Mortgage Liabilities, 8~ Liens (Schedule I) ................ 10. 11. Total Deductions (total Lines 9 & 10) ................................... 11. 12. Net Value of Estate (Line 8 minus Line 11) .............................. 12. 13. Charitable and Governmental 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. TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X .0_ 0.00 15. 16. Amount of Line 14~axable 5 1,292,096.23 at lineal rate x .0 16. 17. Amount of Line 14 taxable at sibling rate X .12 0.00 17 18. Amount of Line 14 taxable 0 00 . at collateral rate X .15 18 19. TAX DUE .........................................................19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT 15056052059 Side 2 Decedent's Social Security Number 405-56-0541 200,000.00 0.00 0.00 0.00 152,695.94 0.00 957, 545.51 1,310,241.45 18,145.22 0.00 18,145.22 1,292,096.23 0.00 1,292,096.23 0.00 58,144.33 0.00 0.00 58,144.33 15056052059 REV-1500 EX Page 3 Decedent's Complete Address: Ftle Number 21 09 0502 DECEDENTS NAME DECEDENTS SOCIAL SECURITY NUMBER JOHN C EMRICH _4__05-56-054__1__ _ __ _ __ - --- STREETADDRESS 96 LONGWOOD DRIVE CITY STATE ZIP MECHANICSBURG ~ PA 17050 Tax Payments and Credits: 1. Tax Due (Page 2 Line 19) (1) 58,144.33 2. Credits/Payments A. Spousal Poverty Credit B. Prior Payments 57,000.00 C. Discount 2,907.22 Total Credits (A + B + C) (2) 59, 907.22 3. Interest/Penalty if applicable D. 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. Fill in oval on Page 2, Line 20 to request a refund. (4) 1,762.89 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) A. Enter the interest on the tax due. (5A) B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (5B) Make Check Payable to: REGISTER OF WILLS, AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred :.......................................................................................... ^ ^Q 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? ...................................................................... ^ Q 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)J. The statute does not exemot 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)J. The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent, except as noted in 72 P.S. §9116(1.2) [72 P.S. §9116(a)(1)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent [72 P.S. §9116(a)(1.3)]. A sibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. REV-1502 EX+ (11-08) ~ Pennsylvania SCHEDULE A DEPARTMENT OF REVENUE INHERITANCE TAX RETURN REAL ESTATE RESIDENT DECEDENT ESTATE OF FILE NUMBER JOHN C. EMRICH 21-09-0502 All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts. Real property that is jointly-owned with right of survivorship must be disclosed on Schedule F. it more space is needed, insert additional sheets of the same size. REV-1508 EX+ (6-98) SCHEDULE E COMMONWEALTH OF PENNSYLVANIA CASH, BANK DEPOSITS & MISC. INHERITANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER JOHN C. EMRICH 21-09-0502 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. METRO BANK 3801 PAXTON ST. HARRISBURG, PA 17111 CHECKING ACCOUNT -ACCOUNT # 0032001927 34,992.67 2. EVERBANK 11 OVAL DRIVE SUITE 107 ISLANDIA, NY 11749 MONEY MARKET ACCOUNT -ACCOUNT # 300158742 91,459.94 3. PNC BANK 249 5TH AVE. SUITE 30 PITTSBURGH, PA 15222 CHECKING ACCOUNT -ACCOUNT # 50-0094-3191 8,400.33 4. (MISCELLANEOUS PERSONAL PROPERTY I 3,390.00 5. 12006 TOYOTA RAV 4 I 14,453.00 6. I SAFE DEPOSIT BOX ~ 0.00 TOTAL (Also enter on line 5, Recapitulation) S I 152,695.94 (If more space is needed, insert additional sheets of the same size) REV-1510 EX+ (08-09) ~ Pennsylvania SCHEDULE G DEPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER JOHN C. EMRICH 21-09-0502 This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes. ITEM NUMBER DESCRIPTION OF PROPERTY INCLUDE THE NAME OF THE TRANSFEREE, THEIR RELATIONSHIP TO DECEDENT AND THE DATE OF TRANSFER. ATTACH A COPY OF THE DEED FOR REAL ESTATE. DATE OF DEATH VALUE OF ASSET % OF DECD'S INTEREST EXCLUSION (!F APPLICABLE) TAXABLE VALUE 1• FIDELITY INVESTMENTS A/C # 219-246344 TRADITIONAL IRA 18,388.72 100 18,388.7 2 FIDELITY INVESTMENTS A/C # 219-246336 ROTH IRA 53,375.35 100 53,375.3 3 AMERIPRISE FINANCIAL A/C # 93108140077 8 044 TRADITIONAL IRA 22,990.64 100 22,990.64 4 THRIFT SAVINGS PLAN A/C # 0605136684081 42,894.11. 100 42,894.11 5 FIDELITY INVESTMENTS A/C # 323123066 ANNUITY 119,898.54 100 119,898.54 6 ALLIANZ LIFE INSURANCE CO. A/C # DAN02837 ANNUITY 24,387.75 100 24,387.75 7 ALLIANZ LIFE INSURANCE CO. A/C # DAN 02584 213,244.33 100 213,244.33 8 JACKSON NATIONAL LIFE INSURANCE CO. A/C # 009244160A ANNUITY 61,908.03 100 61,908.03 9 MINNESOTA LIFE INSU RANCE CO. A/C # 1700163 ROTH IRA 4,743.17 100 4,743.17 10 JOHN C. EMRICH MARITAL TRUST - PNC BANK . A/C # 27-27-001-3842524 395,714.87 100 395,714.87 TOTAL (Also enter on Line 7, Recapitulation) $ I 957,545.51 If more space is needed, use additional sheets of paper of the same size. REV-1511 EX+ (12-99) ~ SCNEDI~ILE H COMMONWEALTH OF PENNSYLVANIA FUNERAL EXPENSES & INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER JOHN C. EMRICH 21-09-0502 Debts of decedent must be reported on Schedule L ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1 ~ PARTHEMORE FUNERAL HOME & CREMATION SERVICES INC. 4,293.36 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Social Security Number(s)/EIN Number of Personal Representative(s) Street Address City ,State Zip Year(s) Commission Paid: 2. Attorney Fees 8,000.00 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 602.00 5. Accountant's Fees 6. Tax Return Preparer's Fees 3,750.00 ~. UTILITIES 402.86 s. APPRAISAL FEES 500.00 s. INSURANCE 422.00 10. MEDICAL BILL -QUANTUM IMAGING 175.00 TOTAL (Also enter on line 9, Recapitulation) I $ 18,145.22 (If more space is needed, insert additional sheets of the same size) REV-1513 EX+ (11-08) ~ Pennsylvania SCHEDULE ] DEPARTMENT OF REVENUE INHERITANCE TAX RETURN BENEFICIARIES RESIDENT DECEDENT ESTATE OF FILE NUMBER JOHN C. EMRICH 21-09-0502 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS [Include outright spousal distributions and transfers under Sec. 9116 (a) (1.2).] 1. MATTHEW J. EMRICH SON 33.34% 104 JOSHUA COURT NORTH WALES, PA 19454 2. KARA E. EMRICH DAUGHTER 33.33% 96 LONGWOOD DRIVE MECHANICSBURG, PA 17050 3. KRISTEN E. WYCHA DAUGHTER 33.33% 453 DELANCEY COURT MECHANICSBURG, PA 17055 II 1. 1. ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET, AS APPROPRIATE. NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART A -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. I $ If more space is needed, insert additional sheets of the same size. J REV-485 EX (1-07) SAFE DEPOSIT BOX INVENTORY PA Department of Revenue 48500041046 PLEASE USE ORIGINAL FORM ONLY Social Security or Death Certificate Number Date of Death County Code Year File Number 4 0; 5 5 6 0 5 4 1 0 5 2 0 2 0 0 9 2 1 0 9 0 5 0 2 Decedent's Last Name Suffix First Name MI E M'R I C H ~ J© H N C © ADDRESS OF DECEDENT STREET: ..._ .._._... CIT Y: STATE: ZIP CODE: 96 Lon wood Drive Mechanicsbur , PA 17050 NAME AND ADDRESS OF PERSON REQUESTING THE OPENING OF THE SAFE DEPOSIT BOX NAME. Matthew J. Emrich, Executor STREET ADDRESS: 104 Joshua Court CITY: PA STATE: North Wales, 19414 CODE: NAME, ADDRESS AND RELATIONSHIP (IF ANY) TO DECEDENT, OF PERSON(S) PRESENT AT THE BOX OPENING a. NAME: RELATIONSHIP: _ Kara E. Emrich Daughter of Decedent STREETADDRESS: ___ ___ CITY: STATE: __ ZIP CODE: -- _6.4.9_ S~ al~riY~.---- - - - F ~ - P A- 7~1~ 1 ' b. NAME: .---- RELATIONSHIP: --- _ -- Susan H_. ___Confair~_Esquire _____ _ __ Attorne~_for th_e Estate STREET ADDRESS: __ CITY: STATE: _ _ ZIP CODE: --233-i--Macke-t-~-t~e~ __ __-_ __ -_ Camp Hill , _____ P A 1 7 O 1 1 c. NAME: _ _ ___ RELATIONSHIP: _ . _ _ ___ _ STREET ADDRESS: CITY: STATE: ZIP CODE: NAME AND ADDRESS OF FINANCIAL INSTITUTION WHERE THE SAFE DEPOSIT BOX IS LOCATED NAME: ____ Metro Bank ___ STREET ADDRESS: CITY: STATE: ZIP CODE: 2 Sim son Ferr Road Mechanicsbur PA 17055 NAME OF PERSON MAKING LAST ENTRY DATE AND TIME OF LAST ENTRY Susan H. Confair, Esquire 7/14/09 at 1:00 pm DATE OF CONTRACT TO RENT BOX • NUMBER OF BOX 1 TITLE UNDER WHICH BOX IS REGISTERED 1 14 05 4 John C. Emrich NAME AND ADDRESS OF PERSON(S) HAVING ACCESS TO BOX a. NAME: b. NAME: STREET ADDRESS: STREET ADDRESS: CITY: STATE: ZIP CODE: ~ CITY: STATE: ZIP CODE: NAME AND TITLE OF EMPLOYEE TAKING THE INVENTORY Estate authority took the inventory. WAS A WILL IN THE BOX? ^ YES ® NO If yes, a. Date of will: b. Name and address of personal representative, if named in the will - - - NAME: _ Matthew J. Emrich, Executor STREET ADDRESS: CITY: STATE: ZIP CODE: -___]_Q4 .To~hua ourt- __ North Wales, PA 19454 c. Name and address of attorney, if any NAME: Susan H. Confair, Esquire STREET ADDRESS: CITY: STATE: ZIP CODE: .....23.31 Market Street, Camp Hill, PA 17011 L 48500041046 48500041046 J IT BOX INVENTORY Page- of - REV-485 EX SAFE DEPOS 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 - -- - N - ----- - --- ---- - - _ __ SAFE DEPOSIT BOX WAS EMPTY I CERTIFY UNDER PENALTY OF PERJURY THAT THE ABOVE RECORD IS PERSON RECEIVING COPY OF CORRECT AND COMPLET O THE BEST OF MY KNOWLEDGE AND BELIEF. SAFE DEPOSIT BOX INVENTORY: SIGNATURE SIGNATURE -- --- - -- -- -- -- -- - PRINT NAME AND CHECK APPROPRIATE BOX BELO PRINT NAME -_ -- - _--- 5~ ~c-~..~ 1-~--r~~e~r- _ -- _ -- -- _ -_ _- - - -- - - -- - -- -- PRINT TITLE DATE CHECK APPROPRIATE BOX: S (2,~-~, ~4..JF,"t"~~"~'`~^'~ ^ Executor(trix) ^ Administrator(trix) J l ~ ^ Estate Representative ^ Joint owner of safe deposit box NOTE: Attach additional 8'/z" x 11" sheet(s) if ne essa 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. she\wills\emrichpourover.wi- Novernber 1, 2000 LAST WILL AND TESTAMENT `~' i__ 4 C;:.:_::r ~ -~'!"' 1 JOHN C. ENRICH ~ -~~ r l,. --, _ ...~_ -, . _ - _..,.. I, JOHN C. ENRICH, ofMechanicsburg, Cumberland County, Pennsy~'vania, w~"iich ; I declare to be my domicile, do hereby make, publish, and declare this to be my LAST WILL AND TESTAMENT, hereby revoking all wills and codicils at any time heretofore made by me. FIRST: IDENTIFICATION OF AMT V. I am married to LINDA R. ENRICH (my "spouse" or "wife"), and we have three (3) children: MATTHEW J. ENRICH, KARA E. ENRICH and KRISTEN L. ENRICH (each my "child" and collectively my "children"). As used in this Will, the terms "my spouse" or "my wife" shall mean only LINDA R. ENRICH. As used in this Wiil, the term "my child" or "my children" refers to my natural children and any adopted children. As used in this Will, the term "issue" refers to all lineal descendants of the indicated person of all generations, with the relationship of parent and child at each generation determined by the definition of "child" and "children" set forth in this paragraph. Applicable to this Will are such other definitions as set forth in Article EIGHTH. SECOND: PAYMENT OF i~ ,RTS A XFS. Except as otherwise provided in this Will, I direct that all my legally enforceable debts, funeral expenses, expenses of the administration of my estate, and federal estate and state death taxes, including interest and penalties thereon, becoming payable because of my death (except any generation-skipping transfer tax imposed by Section 2601 of the Code or any recapture tax imposed by Section 2032A of the Code) be paid out of my Residue. Notwithstanding the foregoing, if any tax, including interest and penalties thereon is imposed on property includible in my gross estate by reason of Section 2044 of the Code or a similar provision of state law, I direct my executor to recover the tax attributable to that property from the person or entity in possession of or receiving the property as provided in Section 2207A of the Code or a similar state law. THIRD: DI PO IT ONE A. General. Except as otherwise expressly provided in this Section, I intend to dispose of all of my separate property. B. Personal and Hon ehold ,ffe t~. I give to my spouse all of my Personal and Household Effects, or if she shall fail to survive me, then to those of my children who shall survive me, in substantially equal shares, to be divided among them as my executors shall determine, which determination shall be conclusive and binding upon all persons interested in my estate. Notwithstanding the foregoing sentence, my executor in its sole and absolute discretion may include r 1 she\wi l l s\e m ri ch po u rove r. w i l November 1, 2000 my Personal and Household Effects directly in my Residue or sell any property and include the proceeds in my Residue. I direct that any expenses incurred in obtaining possession, appraising, safeguarding, delivering, or selling such property be paid from my estate as an administration expense. If neither my spouse -nor any of my children survives me, my Personal and Household Effects. shall be added to my Residue. Any division or distribution made by my executor shall be binding upon all persons, including my children. C. Residue. All the rest, residue and remainder of my property, of every kind and nature and wheresoever situated, whether real or personal (my "Residue"), I give to the trustee named in a Living Trust Agreement created on ~~ . '1 , 2000, between myself and my spouse as grantors and myself and my spouse as co-trustees, to be held, administered and distributed according to the provisions contained therein. I confirm and ratify the Living Trust Agreement in every respect, including and amendments that may be made thereto from time to time. D. Failure of Trust. If my Living Trust Agreement is revoked prior to my death or if the distribution of any property pursuant to this Will to the Trustee of my said Living Trust Agreement is invalid under the governing rules of law, any property otherwise devised or bequeathed to the said Trustee shall be bequeathed to my spouse, if my spouse survives me, or if my spouse fails to survive me, to my issue who survive me, per stirpes. E. Method of Payment to Certain B .nefi~iariPs. If any beneficiary to whom my executor is authorized by this instrument to make distributions is under a legal disability or is, in the opinion of my executor, incapable of properly managing his or her affairs, my executor may make such distribution in any one or more of the following ways: 1. To such beneficiary directly; of such beneficiary; 2. To the guardian, committee, conservator, or other similar official 3. To a relative of such beneficiary to be expended by such relative for the benefit of such beneficiary; 4. To a custodian selected by my executor under an applicable Uniform Transfers to Minors Act; ~ 5. By my executor expending the same directly for the benefit of such beneficiary. . Any person (other than. the beneficiary) who receives a distribution for the benefit of the beneficiary pursuant to the preceding sentences is authorized to give a valid receipt and discharge 2 she\wills\emrichpourover.wil November 1, 2000 for the distribution. The distribution to such beneficiary or other person to whom payment is made or entrusted shall be a complete discharge to my executor, and my executor shall be without obligation to see to the further application of such distribution. FOURTH: POWERS OF A M NTSTRATT(1N, I confer upon my executor all powers granted to fiduciaries under the laws of the Commonwealth of Pennsylvania, whether my estate is administered in Pennsylvania or elsewhere. In addition to the powers granted by law, I authorize my executor or other legal representatives of my estate: A. To accept additions to my estate from any source. B. To acquire the remaining undivided interest in property of my estate in which my executor, in fiduciary capacity, holds an undivided interest. C. To invest and reinvest the assets of my estate in securities or in real or personal property, whether within or outside of Pennsylvania or the United States, without the need for diversification as to kind or amount and without being limited to investments authorized by law for fiduciaries. More specifically, but not by way of limitation, I authorize and empower my executor to: 1. Invest in discretionary common trust funds, mutual funds, investment trusts, unsecured obligations, stocks, bonds, and real estate. Z. Retain as long as my executor deems proper any real or personal property or any stocks, bonds, notes or other securities (including securities issued by a corporate executor) which I own at my death or which are subsequently acquired. D. To effect and keep in force fire, rent, title, liability, casualty or other insurance to protect the property of the estate and to protect the executor. . E. With respect to any property, real or personal, or any estate therein owned by my estate, except where such property or any estate therein is specifically disposed of: 1. To take possession of, collect the rents from and manage the same. 2. To sell the same at public or private sale, and upon such terms and conditions, including credit, as to my executor shall deem advisable. 3. To lease, mortgage, partition, or subdivide the same, even where the terms of such lease or mortgage shall extend beyond the administration of my estate. she\wills\emrichpourover.wil November 1, 2000 4. To abandon property which does not have sufficient economic value, in my executors' judgment, to make it worth protecting. 5. To repair or improve the same. six (6) months. 6. To grant options for the sale of same for a period not exceeding F. With respect to any mortgage held by my estate, to continue the same upon and after maturity, with or without renewal extension, upon such terms as my executor deems advisable, or to foreclose, as an incident to collection of any bond or note, any mortgage securing such bond or note, and to purchase the mortgaged property or acquire the property by deed from the mortgagor in lieu of foreclosure. G. To employ any bank or trust company incorporated in the state of my domicile, any national bank located in the state of my domicile or any private banker duly authorized to engage in business in the state of my domicile as custodian of any stock or other securities held as fiduciary, and the cost thereof, except in the case of a corporate fiduciary, shall be a charge upon the estate. H. To cause any stock or other securities to be registered and held in the name of a nominee. I. In the case of the survivor of two or more fiduciaries, and except as otherwise provided in this will, to continue to administer the property of the estate without the appointment of a successor fiduciary. J. As substitute or successor executor, to succeed to all of the powers, duties and discretion of the original executor, with respect to the estate, as were given to the original executor. K. To contest, .compromise or otherwise settle any claim in favor of the estate or executor or in favor of third persons and against the estate or executor, or to submit the same to arbitration, without judicial approval. L. With respect to any shares of stock or other securities owned by my estate or executor: i i 1. To vote or refrain from voting, in person or by proxy, ! discretionary or otherwise, such shares of stock or other securities. ! 4 she\wills\emrichpourover.wil November 1, 2000 2. To pay calls, assessments and any other sums chargeable or accruing against or on account of shares of stock, bonds, debentures or other corporate securities, whenever such payments may be legally enforceable against my executor or any property of the estate or the executor deems payment expedient and for the best interests of the estate. 3. To sell or exercise stock subscription or conversion rights, participate in foreclosures, reorganizations, consolidations, mergers, or liquidations and to consent to corporate sales, leases and encumbrances. M. To execute and deliver agreements, assignments, bills of sale, contracts, deeds, notes, receipts and any other instruments necessary or appropriate for the administration of the estate. N. To make distribution in cash, in kind valued at fair market value of the property at the date of distribution, or partly in each, without being required to make pro rata distributions of such property. O. To pay all reasonable and proper expenses of administration from the property of the estate, including the reasonable expense of obtaining and continuing the fiduciary's bond and any reasonable counsel fees which the fiduciary may incur. P. To employ and remunerate agents to perform necessary services for the estate such as, but not limited to: accountants, attorneys, investment advisors, actuaries, appraisers and custodians. Q. To borrow in the name of my estate from themselves or others and secure such loans by mortgage, note, or pledge, at prevailing rates of interest. R. With regard to any business enterprise which I may own or possess an interest in at the time of my death, whether incorporated, unincorporated, or operated as a sole proprietorship or partnership: 1. To retain all or -any portion of the business and continue to operate the same for so-long as my executor shall deem advisable. ~ 2. To sell all or any portion of the business, at such time and on such terms and conditions (including credit), as my executor shall deem advisable. My executor may sell the business to any person, .including a person interested in my estate or a fiduciary serving hereunder. 5 s h e\wi I t s\e m ri ch you rove r.wi I November 1, 2000 3. To control, direct or manage the business; vote any corporate shares; select, hire and compensate, or discharge employees, directors and officers of the business; serve on the board of directors of the business; retain and compensate experts to advise my executor concerning the management or disposition of the business. 4. To recapitalize or reorganize the business; invest additional sums of money in the business. 5. To participate in or consent to any merger, consolidation, reorganization, dissolution or liquidation of the business. 6. To account for the business as an entity separate from my estate. In this regard, my executor shall be authorized to retain earnings in the business in conformity with sound business practice. 7. I exonerate my executor from liability for any loss resulting from the retention and/or operation of any business enterprise unless such loss shall result from the executor's gross negligence or willful misconduct. S. To claim administrative expenses ofmy estate either as income tax deductions or as estate tax deductions, in my executor's sole discretion, without regard to whether such expenses are payable from income or principal, and without the necessity of making adjustments or reimbursements between principal and income or among the property interests of the various beneficiaries ofmy estate. I exonerate my executor from any liability arising from the claim of a beneficiary ofmy estate whose entitlement under the terms ofmy will has been diminished by my executor's elections. T. To execute, file and deliver proofs of claim or receipts required to collect all policies of life insurance on my Iife which name my estate as beneficiary; elect any optional modes of settlement available under such policies; receive, administer and distribute the proceeds of such policies in accordance with the dispositive provisions of this will. The receipt ofmy executor shall constitute full acquittance to any insurance company for .policy proceeds paid. U. To allocate, in their sole and absolute discretion, any amount of the exemption from generation skipping taxes allowed under Internal Revenue Code, Section 263.1(x), to property of which I am the transferor, including property transferred during my lifetime to which no allocation has previously been made, without the necessity of making adjustment or reimbursement to any person as a result of such allocation. V. To join with my surviving spouse in the execution and filing of: 6 she\wills\emrichpourover.wil November 1, 2000 1. a joint income tax return for any period prior to my death for which I have not filed a return and to agree as to the apportionment of any joint tax liability. 2. a gift tax return on gifts made by my surviving spouse and to consent to treat such gifts as being made one-half (%2) by me, for any period prior to my death. W. In the event that any of my tangible personal property is donated to a charitable organization(s) then my fiduciary is instructed to use the value of said donation(s) as an inheritance tax deduction for any inheritance tax return which maybe required to be filed as a consequence of my death. X. To disclaim any interest in property which would devolve to me or my estate by whatever means, including but not limited to the following means: as beneficiary under a will, as an appointee under the exercise of a power of appointment, as a person entitled to take by intestacy, as a donee of an inter vivos transfer, and as a donee under athird-party beneficiary contract. Y. To file the appropriate election in accordance with Section 2056(b)(7)(B)(v) of the Code to designate whatever portion of the assets comprising my federal gross estate that the executor, in the executor's sole discretion, determine should qualify for the marital deduction. In making this determination, the executor is directed to consider the present and projected financial requirements of my spouse, the expected period of survivorship of my spouse and the assets that have passed to my spouse other than under the provisions of this Will. Z. To do all other acts in the executor's judgment deemed necessary or desirable for the proper and advantageous management, investment and distribution of the estate. My executor may exercise these powers for any purpose and upon such terms,. conditions and limitations (whether or not to exist longer than the administration of my estate) which in the judgment of my executor shall be in the best interest of my estate and the beneficiaries thereof. FIFTH: PAY F,NT OF ,ATH TAXFfi. I direct that all estate, inheritance, succession, transfer or other death taxes assessed by any taxing authority, whether foreign or domestic, in respect of all property taxable by reason of my death or by inclusion of such property in my gross estate for estate tax purposes,. be paid, without apportionment, as directed in the pour over indenture of trust, the Living Trust Agreement, created 1~c~,t~- Z, 2000 between myself and my spouse as Grantors and myself and my spouse as co-trustees. However, the aforesaid ~ notwithstanding, if, at the time of my death, I am the beneficiary of a qualified terminable interest property (QTIP) trust, and the principal of that trust is includible in my gross estate for tax purposes,. i it is my direction, pursuant to the provisions of Internal Revenue Code, Section 2207A, that my executors or the trustee of the trust withhold from the shares of the remaindermen of the trust an 7 she\wills\emrichpourover.wil November 1, 2000 amount by which the estate tax in my estate exceeds the amount of the estate tax which would have been payable had the trust property not been included in my estate for tax purposes. SIXTH: PRF, i MPTION N ASF OF IMI TT T A NF (lT Tc nF ~ ~ru In determining whether a person who may be interested in my estate has survived me or another person, (1) my spouse shall be deemed to have survived me unless it unmistakably appears by proof that she predeceased me; and (2) in all other cases, a person shall not be deemed to have survived me or another person if he or she dies within thirty (30) days of my death or of the death of the other person. SEVENTH: EXEC" TOR. A. Anoointment. I nominate and appoint my wife as executor of this, my will. If my wife shall fail to survive me, shall decline to act, or having qualified shall, for any reason thereafter, cease to act, I nominate and appoint MATTHEW J. EMRICH as successor executor in her place. Any executor, original or successor, named herein may be referred to herein as my executor. B. AccoLnting to L .cPCCor Fxe~~tor. Any successor executor is authorized (but not directed) to accept the assets delivered by or for a predecessor executor on the basis of the accounting therefor without requiring any audit or other independent accounting of the acts of such predecessor executor. Any successor executor shall not be liable for, or liable for failure to rectify any act or omission of my predecessor executor. ' C. Time and Method of DiStrihntinn. Final distribution of my estate shall be made when my executor determines the time to be appropriate. Prior thereto, partial distributions maybe made whenever my executor shall deem it advisable. Distributions may be made in cash or in kind, or partly in each, and for this purpose, the determination of my executor as to the value of my property distributed in kind shall be conclusive. D. Selection of AcSPtS for Di~trib ~tion, My executor shall in its sole and absolute discretion select assets or property to be distributed in satisfaction of any devise or bequest in my Will without respect to the income tax basis of such assets or property. My executor specifically is excused from any duty of impartiality with respect to the income-tax basis of such property. E. Conflict of TntPrPCt. I realize that, in the course of the administration of my estate, conflicts of interest may develop between beneficiaries of my estate, the Trustee of my Living Trust Agreement, the beneficiaries of my Living Trust Agreement, and possibly others. For example, conflicts may develop because of a choice of alternatives involved in valuing assets for various purposes. In the resolution of any conflict of interest, I request (but do not so direct) that my executor first make a reasonable effort to determine the overall effect of the conflict on the administration of my estate and in the distributions to be made to the Trustee of my Living Trust 8 shclwills\emrichpourover.wil November 1, 2000 Agreement and then make reasonable efforts to resolve the conflict by the mutual agreement of the respective beneficiaries or recipients. In the event that a mutual agreement cannot be reached after reasonable efforts, my executor shall resolve the conflict in its sole and absolute discretion. F. Election and nntinnc, I confer upon my executor the sole and absolute discretion to exercise any election or option given to my executor under the revenue Laws of the United States or any state in which this Will may be probated or in which property of which I own an interest at the time of my death may be located. 1VIy executor may exercise such discretion without regard to the relative interests of the beneficiaries of my estate without compensatin adjustments among the beneficiaries of my estate; and notwithstanding the possibility that such decisions may increase the amount of my taxable estate. Without limiting the generality of the foregoing sentence, my executor is authorized, in its sole discretion, to claim any ex ense of administration of my estate as an estate tax deduction or as an income tax .deduction; to elect to extend the payment of any tax over such period as may seem appropriate to my executor and available under law; to elect to value my estate under any alternative valuation formula which ma be permitted under the Code; to select the alternative valuation dates for the valuation of my estate• to make (or not make) in whole or in part the election under §2133(x) of the Pennsylvania Inheritance and Estate Tax Act, 72 Pa.C.S.A. §9113, to subject property to Pennsylvania Estate Tax on my death and thereby avoid any such tax on my Spouse's death; to disclaim or renounce, in whole or in part, any gift, inheritance, life insurance or employee benefit payable to or for the benefit of me or my estate; to join with my Spouse in the filing of any tax returns for any year or years for which I have not filed such return or returns prior to my death and pay all or such ratable share of any taxes (together with any interest and penalties thereon) as my executor shall deem proper; and to consent to any gifts made by my Spouse prior to my death being treated as made one-half (1/2 by me for the purpose of any gift tax laws and returns. ) G. Encumb .r d Dis ribu ion, My executor is authorized to distribute to any beneficiary of my estate or to the Trustee of my Living Trust Agreement or to the benefici of m Living Trust Agreement any asset of my estate subject to any and all indebtedness incurred b me or by my executor which indebtedness, iri the sole and absolute discretion or opinion of m exe utor need not be paid first, or to distribute any such property or asset subject to any and all mort a es~ deeds of trust, or the liens, encumbrances, or obligations created by me or by my executor. g g H. Special {-1 ion and Al)nr~tinn of T nPratinn Cirir. ~ZiIIg Trancf r Tax Ex.emp~`~n' I expressly confer upon my executor the sole and absolute discretion to elect unde Section 2652(a)(3) of the Code (which election permits me to be deemed the transferor of r property for the purposes of the federal generation-ski in transfer tax and the exercise of which may be advanta eous for Pp g g purposes of generation-skipping transfer tax planning) to treat me as the transferor of any qualified terminable interest property with respect to which my estate is allowed a deduction by reason of Section 2056(b)(7) of Code (which permits a "marital" deduction calculating the amount of my taxable estate for federal estate tax purposes). I authorize m execu in y for 9 sh clwi lls\emrichpourover.wil November 1, 2000 to allocate my generation-skipping transfer tax exemption to and among dispositions of property with respect to which I am the transferor, whether contained in this Will or otherwise, in such manner as my executor, in my executor's sole discretion, deems best calculated to secure the most effective utilization of such exemption, based on circumstances and events either known or reasonably foreseeable as of the expiration of the time within which such allocation is required to be made. While equality of treatment among different beneficiaries or beneficiary groups should be an important consideration in allocating such exemption, it should not be the sole or even the primary consideration. Any allocation so made by my executor shall be binding on all persons interested in the dispositions with respect to which I am the transferor and my executor shall have no liability if, as the result of or in light of subsequent events, the benefits of the exemption fall inequitably, or different allocation would have protected a higher value of assets from generation- skipping transfer tax. It is my desire (but not direction) that my generation-skipping transfer tax exemption be allocated, if my Spouse survives me, to property passing to the Family Trust under my Living Trust Agreement to the maximum extent possible and to the extent of the generation-skipping tax exemption in excess of the amount allocated to such Family Trust, to qualified terminable interest property with respect to which my executor has made an election under Section 2652(a)(3) of the Code or, if my Spouse fails to survive me, to my Residue or where appropriate to secure the most effective utilization of my generation-skipping transfer tax exemption, to property in a Marital Trust established for me by my Spouse. I. Executor's iii cretion on rnllina, ~y decision made under this Section or any other provision of this Will by my executor with respect to any matter shall bind each beneficiary of my estate, the Trustee of my Living Trust Agreement, the beneficiaries of my Living Trust Agreement, and any other person however interested in my estate; and my executor shall not be required to make any compensating adjustments between income or principal or among any beneficiaries, trustee, or any other person as a result of my executor's action or inaction. J. Liabiii ~ of E.xec»tnr. The executor shall be liable only for its own negligence or willful misconduct. EIGHTH: D ~.F NTTION$. A. ~~. All references in this Will to the "Code" shall mean the Internal Revenue Code of 1986, as amended, and shall be deemed to refer to corresponding provisions of any subsequent federal tax law. B. Li_v, ing TrL~greement. By my "Living Trust Agreement," wherever used in this Will, I mean the Trust Agreement executed by me and my spouse on ~r+„~, ~- 2000 in which myself and my spouse are named co-trustees. Such reference also shall include any amendments to such Trust Agreement. 10 shclwills\emrichpourover.wil November 1, 2000 C. Personal and Household Effects. All references in this Will to my "Personal and Household Effects" shall mean my jewelry, closing, books, china, crystal and silverware, furniture and furnishings, objects of art, boats, automobiles, club memberships, and all other personal property of a nature, use, and classification similar to the foregoing, and includes all rights that I may have under any insurance policies relating thereto. Expressly excluded from this definition is any tangible personal property. regularly used in connection with any business in which I own any interest. D. Per Stir~es. All referenced in this Will to "per stirpes" shall mean a distribution in accordance with this Section. Except for discretionary distributions that may be made unequally among a group of beneficiaries, whenever a distribution is to be made to the issue of any person, the property to be distributed shall be divided into as many shares as there are (1) living children of the person, and (2) deceased children, who left beneficiaries who are then living, of the person. Each living child (if any) shall take one share and the share of each deceased child shall be divided among his or her then living issue in the same manner. E. Residue. All references in this Will to my "Residue" shall mean all the remainder of my property, of whatsoever kind (whether real, personal, or mixed, and whether tangible or intangible) and wheresoever situated (and including all lapsed bequests and devises which fail for any reason), not specifically disposed of herein. Should I possess one or more powers of appointment, however, I call attention to the fact that I do not desire to exercise any such power; neither such power nor any property subject to any such power shall be regarded as part of my Residue. NINTH: MISCF,T,T,ANE~OUS. A. Bond and Compensation. I direct that no executor or other legal representative of my estate shall be required to furnish any bond or other security in any jurisdiction. Any executor named herein or otherwise appointed shall be entitled to reasonable fees commensurate with its duties and responsibilities, taking into account the value and nature of my estate and the time and work involved, with regard to any statutory provisions as to fees, and if it is a corporation, then not less than its then current minimum fee for such services. If any licensed attorney or certified public account shall serve as executor, such person shall be compensated for services rendered on the basis of such person's customary charges for legal or accounting services. B. Will Not Contract~~al. My spouse and I are executing Wills at approximately the same time, in which each of us is the primary beneficiary of the Will of the other. These Wills are not being executed pursuant to any contract to make a Will or any contract not to revoke a Will. The Will of each of us is revocable at any time, whether before or after the death of the other spouse, at the sole discretion of the spouse making the Will. 11 she\wills\emrichpourover.wil November 1, 2000 C. Invalid Provisions. If any part of this Will or my Living Trust Agreement shall be invalid, illegal, or inoperative for any reason, it is my intention that the remaining parts, so far as possible and reasonable, shall be effective and fully operative. My Executor may seek and obtain court instruction for the purpose of carrying out as nearly as may be possible the intention of this Will as shown by the terms hereof, including any term held invalid, illegal, or inoperative. D. Number and Gender. If required by the context of this Will, singular language shall be construed as plural, plural language shall be construed as singular, and the gender of personal pronouns shall be construed as either masculine, feminine, or neuter. E. Terms• Throughout this Will I direct that the term "give" shall be deemed to include the term "bequeath" or "devise" when appropriate. F. )~~. All headings used in this Will to describe the contents of each article, paragraph, or other division are provided for convenience only and shall not be construed to be a part of this Will. G. Governing Law. This Will shall be construed in conformity with the law of the Commonwealth of Pennsylvania. IN WITNESS WHEREOF, I sign, seal, publish and declare this instrument as my Last Will and Testament on this ~ day of yle.,,,~.~ 2000. ~- J C. EMRICH Signed, sealed, published and declared by the above-named Testator, JOHN C. EMRICH, as and for his Last Will and Testament, in the sight and presence of us, who, at his request, in his sight and presence and in the sight and. presence of each other, have hereunto subscribed our names as witnesses. ,~ ~ ~ `G~ " Address ~ ~ ~~ .~~ Address~~~~ c w /~~~ G 12 she\willslemrichpourover.wil November 1, 2000 COMMONWEALTH OF PENNSYLVANIA ) COUNTY OF CUMBERLAND SS: I, JOHN C. EMRICH, THE TESTATOR, WHOSE NAME IS SIGNED TO THE FOREGOING INSTRUMENT, HAVING BEEN DULY QUALIFIED ACCORDING TO LAW, DO HEREBY ACKNOWLEDGE THAT ISIGNED-AND EXECUTED THE INSTRUMENT AS MY LAST WILL AND TESTAMENT; THAT I SIGNED IT WILLINGLY; AND THAT I SIGNED IT AS MY FREE AND VOLUNTARY ACT FOR THE PURPOSES THEREIN EXPRESSED. SWORN OR AFFIRMED TO AND ACKNOWLEDGED BEFORE ME BY JOHN C. EMRICH, THE TESTATOR, THIS ~ DAY OFT , 2000. C. EMRICH, Testator ~~~ frG~-~. `~~~~-~%--tom----~ f Notary u iC Notaria! Seal Deborah L. Brenneman, Notary Public COMMONWEALTH OF PENNSYLVANIA Camp Hu! Bono, Cumberland County ) My Commission Expires June 18, 2002 : SS: Mentbet, Penn$vlvania Association of Notaries COUNTY OF CUMBERLAND WE, ( .~hR ~ ~~~=- >u ~, A~ • S~ihf ~~. AND /?/~=c G ~~ ~ _ ~,~C~~ fi~~T~ THE WITNESSES WHOSE NAMES ARE SIGNED TO THE FOREGOING INSTRUMENT, BEING DULY QUALIFIED ACCORDING TO LAW, DEPOSE AND SAY THAT WE WERE PRESENT AND SAW THE AFORESAID TESTATOR SIGN AND EXECUTE THE INSTRUMENT AS HIS LAST WILL AND TESTAMENT; THAT HE SIGNED WILLINGLY AND THAT HE EXECUTED IT AS HIS FREE AND VOLUNTARY ACT FOR THE PURPOSES THEREIN EXPRESSED; THAT EACH OF US IN THE HEARING AND SIGHT OF THE TESTATOR SIGNED THE WILL AS WITNESSES; AND THAT TO THE BEST OF OUR KNOWLEDGE THE TESTATOR WAS AT THE TIME EIGHTEEN (18) OR MORE YEARS OF AGE, OF SOUND MIND AND UNDER NO CONSTRAINT OR UNDUE INFLUENCE. SWORN OR AFFIRMED TO AND SUBSCRIBED TO BEFORE ME, THIS ~ DAY OF ~~~ , 2000. S ~u~ C OG~--~Tr~L~/ WITNESS ., C~ F OTARY PUBLI Notaria! Seai t)sborah t_. Erenneman, Notary Public Camp Hill eoro, Cumberland County My Commission Expires June 18, 2002 I~t~ri;:~ar, ~ar~r~syiva^ia Association of Nntdries A~AQ WA ~ln~ neee !~ A• B. TYPE OF LOAN: U.S. DEPARTMENT OF HOUSING S URBAN DEVELOPMENT t.QFHA 2.[~FmHA 3. QCONV. UNINS. 4.[~VA 5.(]CONV. INS. SETTLEMENT STATEMENT 6. FILE NUMBER: 99~276.ooz 7. LOAN NUMBER: 8. MORTGAGE INS CASE NUMBER: C. NOTE: TMs kxm is furnished b pMs you a atatemsrrt d acted setMerr-errt costs. Amotmts geld to end by fire aetfkenent apsrrt ere shown. ife-ns marked ')'POCJ" ware paid outside the eAo~+inp; they aro shown here for infarmetiorral ptppoaes and ero not included in t/fe totals. ~.o ysa c~~+.r~ausazra.oa~xnsl D. NAME AND ADDRESS OF BORROWER: Kara E. Emrich 88 Lorrpwood Dfire Meehsnic~burp, PA 17050 E. NAME AND ADDRESS OF SELLER: Estate of John C. Emrich F. NAME AND ADDRESS OF LENDER: G. PROPERTY LOCATION: 98 Lorpwood Drhro Mechanicsburg, PA 17050 H. SETTLEMENT AGENT: 25.1867112 Mkfstate Abstract Company i. SETTLEMENT DATE: J I Cumberland County, Pennaylvaraa PLACE OF SETTLEMENT 2331 Market Street Camp Hill, PA 17011 Y 20, 2009 u J. BUMMARY OF BORROWER'S TRANSACTION K. SUMMARY OF SELLER'8 TRANSACTION 100. GROSS AMOUNT DUE FROM BORROWER: 400. GROSS AMOUNT DUE TO SELLER: 101. Contract Salsa Price 102. Persons! Pro 200,000.00 401. Contrail Ssles Price 402. Personal Pro 200 000.00 103. Settlement CM s to Borrower s 1 1 71.38 403. 104. 404. 105. 4~r. Forltiams Peld 8 Selkrin advance 108. oMm Taxes >b Forifams Peld B Sefllerin advance 406. /Town Taxes ~ 107. Co Taxes 07/20/08 to 01/01/10 108. School Taxes 07/20/09 to 07/01!10 108. 270.18 1484.41 407. Co Taxes 07/20/09 m 01/01/10 408. School Taxes 07/20/09 to 07/01/10 ,~. 270.18 1484.41 110. 410. 111. 411. 112. 412. 120. GROSS AMOUNT DUE FROM BORRO WER 203,005.85 200. AMOUNTS PAID BY OR IN BEHALF OF BORROWER: 420. GROSS AMOUNT DUE TO SELLER 600. REDUCTIONS IN AMOUNT DUE TO SELLER: 201,734.57 201. De or sanest moos 50t . Excress a Sae Instructlons 202. Pri 1 Amount of New Loans 203. Ex ban a taken il b 502. Sattk+mert Cha s to Sather ne 1400 503. Existln ban s taken a to f 758.84 ~• 304. Pa of Brat Mo e 2~'• 506. Pa of second Mo e 206. 506. 207. 507. 208. Credit Kara Emrich 508. CredB Kara Emrich 208. 1 /3 share d BB 868.86 A ' Forltarrrs Un B SaA-sr 508. 1 /3 share of 86 898.86 ForlMrr-s Un B Ss1er 210. own Tames to 510. own Taxes ~ 211. Co Taxes to 511. Co Taxes to 212. School Taxes tD 512. School Taxes ~ 213. 513. 214. 514. 215. 515. 218• 518. 217. 517. 218. 518. 219. 519. 220. TOTAL PAID BY/FOR BORROWER 66,866.86 500. CASH AT SETTLEMENT FROMITO BORROWER: 301. Gross Amount Due From Borrower a 120 203,005.95 302. Less Amount Paid /For Borrower Ina 22 ( 88,888.88) 320. TOTAL REDUCTION AMOUNT DUE SELLER 88,425.50 800. CASH AT SETTLEMENT TO/FROM SELLER: 801. Gross Amourd Due To Seller Line 420 201,734.57 802. Less Reductions Due Solver 520 88,425, 303. CASH (X FROM) ( TO) BORROWER 136,339.28 803. CASH (X TO) ( FROM) SELLER 133,309,07 me uraerspnea hereby aclmowledpe receipt of a completed copy of papas 1tk2 of this statement & any attachments referred to herein. B°mower` '~i7 r~ ~-i-~' 1 SeAer Estebe of John C. E. Emrich ;;~~yy Emrich ~c ~.d,. 1. SETTLEMENT CHARGES 700. TOTAL COMMISSION Based on Prtce : % PNO FROM PND FROM DNWQI! OrCOnlnljddlOn Nne 700 a3 FOIOW3: BoRROwEk'S SELLER'8 701'; tD FUN08AT FUNDSAT 702. ~ t0 8ET11EMd~1T SETREMEM 703. COmmtssiort Pald at Settlement 704. ~ 800. ITEMS PAYABLE IN CONNECTION WITH LOAN 801. Loan traction Fee % bo 802. Loan Discount % to 803. A isal Fee ~ 804. Credit R ~ 805. Lerxisr's Ins ctlor- Fee to ~• Ins. .Fee to 807. Assum on Fee b 808. 809. 810. 811. 900. ITEMS REQUIRED BY LENDER TO BE PAID IN ADVANCE 901. IrrEsrest From to S !da da % 902. MIP Tottns. for UIeOtLwn for mortlha to 903. Hazard Irtsuwrta Premium for 1.0 to 904. 905. 1000. RESERVES DEPOSITED WITH LENDER 1001 • Heard Insurance months S r morHtt 1002. Insurance nwnfhs ; r month 1003. own Taxes months ; r month 1004. Co Taxes months ; r month 1005• School Taxss months ; r month 1008. months r morrth ~ ~~• months ; r month 1~• months r morrtlt 1100. TITLE CHARGER 1101. Settlsmsrtt or Fae to 1102. Abstract or Tltle Search to 1103. m n to 1104. Title Insurance Binder to 1105. Eleatron~ Document Pre , to 1106. SeMce Caller tp 1107. A s Fess ~ xrclE~dea strove Clem rwmbera: 1 to MI TAT A T CT above 4em numbers:1102 1103 & 1104 1 1109. Lender's ; 1110.Owner's Coverage S 200,000.00 1.222.88 reissue 1111. Endorsements 100, 300, 8.1 1112, tVotie Fee Midstate Abstract Com n . 1113. Notrrry Fae Midstate Abstred Comparry 1200.OOVERNMENT RECORDING AND TRANSFER CHARGES 1201. Rsco Fees: Deed i 48.50 ~ : Releases ; 1202. Tax/Stam :Deed • Mo 48.50 1203. State Tax/Stam Deed ; M 1204. 1205. 1800. ADDITIONAL SETTLEMENT CHARGES 1301. S try 1302. Pest I ctlon ~ 130:1. Tax Certlfirxtion to Debra Wbst, Tax CoAacOor 1304. FMaI Sewer Rea to Silver S Towns Aulho ' #12448-2428 1305. 2009 Sctaol Taxes to Reayer 3 Adler, PC 1400. TOTAL SETTLEMENT CHARGES Enter on Lines 105, Section J and ti02, Section K By sipninp peps 1 d tlde ehtement. the elmelales edmerAedee rwcMnf et. ,w.,..r,.w ,........r ...... ~ ... r~...._ ,271,98 10.00 100.89 1,648.15 1,75884 Certlfled to be a true copy. :: ~•• {' yJ~ Midstate Abstract Company Settlement Agent c ss-rre.txn i ear~e.ooz i is S~ ~v~e ~1.ep . Do ~cl 3c9 o cx~ ~~