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HomeMy WebLinkAbout01-04-111505610143 REV-1500 Ex (D,-'°' ~, OFFICIAL USE ONLY PA Department of Revenue pennsylvania County Code Year File Number Bureau of Individual Taxes DEPARTMENt OF REVENUE PO 80X.280601 INHERITANCE TAX RETURN 21 10 05 67 Harrisburg, PA 17128-06Q1 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 176 14 3719 04 09 2010 09 19 1921 Decedent's Last Name Suffix Decedent's First Name MI CORL BARBARA V (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 ~ 5. Federal Estate Tax Return Required (date of death after 12-12-82) g Decedent Died Testate ^ ~ Decedent Maintained a Living Trust _ 0 8. Total Number of Safe De osit Boxes (Attach Copy of Will) (Attach Copy of Trust) p 9. Litigation Proceeds Received ~ 1 p. Spousal Povert Credit (date of death 11. Election to tax under Sec. 9113(A) between 12-31 ~1 and 7-1-95) ~ (Attach SCh. O) CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION ~OULD BE DI~~STED TO: Name Daytime Telephonec_ er ~: -~ PATRI C IA R BROWN E S 717 2 4 9 `- - '~ ~ REGISTER OF W1LL6'~1~ ONIsY" , ; -`-~ First line of address ~,:w-~..- -., . -, _::._ .. 354 ALEXANDER SPRING RO •~ Second line of address ~`~ ' ~ DATE FILED City or Post Office State ZIP Code CARLISLE PA Correspondent's a-mail address: Pbrown@salzmannhughes.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 persona( representative is based on ail information of which preparer has any knowledge. SIGNATURE OF P ON RESPO B E F ILING RETURN DATE Ro er W. Corl ADDRESS 19 Me!-Ro Court ,Carlisle, PA 17015 SIGNAT OF PREPARER OTHER THAN REPRESENTATIVE DATE Patricia R. Brown Esq. ADDRESS - 354 Alexander Spring Road, Suite 1, Carlisle, PA Side 1 1505610143 1505610143 J J 1505610243 REV-1500 EX Decedent's Name: COr~, Barbara V. Decedent's Social Security Number 17 6 14 3 719 RECAPITULATION 1. Real Estate (Schedule A) ....................................................................................... 1. 2. Stocks and Bonds (Schedule B) ............................................................................. 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C}......... 3. 4. Mortgages & Notes Receivable (Schedule D) ........................................................ 4. 5• Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ............... 5. 6,362.58 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested............ 6. 55 , 0 65.0 0 7. Inter-Vivos Transfers & Miscellaneous Ikon-Probate Property ^~ Se arate Billin Re uested Sch l d G 22 252.67 r p g q ............ ( e u ) e 7. 8. Total Gross Assets (total Lines 1-7) ..................................................................... g, 8 3, 6 8 0. 2 5 9. Funeral Expenses & Administrative Costs (Schedule H) ....................................... 9. 11,848.34 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) .............................. 10. 24,180.69 11. Total Deductions (total Lines 9 8~ 10) ................................................................... 11. 3 6 , 02 9.03 12. Net Value of Estate (Line 8 minus Line 11) .......................................................... 12. 4 7 , 651.2 2 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. 47,651.22 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X .00 15. 16. Amount of Line 14 taxable 47 651 22 16 at lineal rate X .045 . ~ . 17. Amount of Line 14 taxable at sibling rate X .12 0 . 0 0 17. 18. Amount of Line 14 taxable at collateral rate X .15 0 . 0 0 18. 19. Tax Due ................................................... .............................................................. . 19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. Side 2 1505610243 1505610243 0.00 2,144.30 0.00 0.00 2,144.30 a J REV-1500 EX Page 3 Decedent's Complete Address: File Number 21-10-0567 DECEDENT'S NAME Corl, Barbara V. STREET ADDRESS 19 Mel-Ron Court CITY Carlisle STATE PA ZIP 17015 Tax Payments and Credits: 1. Tax Due (Page 2, Line 19) 2. Credits/Payments A. Prior Payments B. Discount 3. Interest 2,069.93 107.96 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Check box on Page 2 Line 20 to request a refund 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. Total Credits (A + B) (1) 2,144.30 (2) 2,177.89 (3} (4) 33.59 (5) ,Make Check Payable to: REGISTER OF WILLS, AGENT. PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOGKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred :............................................................................... _[] [x] b. retain the right to designate who shall use the property transferred or its income :.................................. [] ^x c. retain a reversionary interest; or ............................................................................................................... [] d. receive the promise for life of either payments, benefits or care? ............................................................ [] n 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? .................................................................................................................. x IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS tS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after Juty 1, 1994 and before Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 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 0 percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: • The tax rate imposed on the net value of transfers from a deceased child 21 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 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 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 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-1508 EX+ (6-98) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY ESTATE OF FILE NUMBER Corl, Barbara V. 21-10-0567 Include the proceeds of Iltlgation and the date the proceeds were received by the estate. All property jointly-owned with the right of survivorship must be disclosed on schedule F. (If more space is needed, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule E (Rev. 6-98) Rev-1509 EX+ (6-98) SCHEDULE F COMMONWEALTH OFPENNSYIVANIA JOINTLY-OWNED PROPERTY INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Corl, Barbara V. 21-10-0567 If an asset was made joint within one year of the decedent's date of death, it must be reported on schedule G. SURVIVING JOINT TENANT(S) NAME ADDRESS RELATIONSHIP TO DECEDENT A. Roger W. Corl 19 Mel-Ron Court Son Carlisle, PA 17015 B. C. JOINTLY OWNED PROPERTY: ITEM NUMBER LETTER FOR JOINT TENANT DATE MADE JOINT DESCRIPTION OF PROPERTY INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR IDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY-HELD REAL ESTATE. DATE OF DEATH VALUE OF ASSE % OF DECD'S INTEREST DATE OF DEATH VALUE OF DECEDENT'S INTEREST 1 A 06/13/2000 Real Estate situate at 19 Mel Ron Court, - 110,130.00 50.000% 55,065.00 Carlisle, Cumberland County, PA, owned joint with the right of survivorship (valued as 112 0 the assessed value of $110,130.00) TOTAL (Also enter on Line 6, Recapitulation) i 55,065.00 (If more space is needed, additional pages of the same size) I Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule F (Rev. 6-98) Rev-75'!0 EX+ (6-98) ., COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE G INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY ESTATE OF FILE NUMBER Corl, Barbara V. 21-10-0567 This schedule must be completed and filed if the answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes. ITEM NUMBER DESCRIPTION OF PROPERTY THE DATE OF TRANSFERSATTACH A COPY OF T~E OEIED ~OREREAL ESTATE. DATE OF DEATH VALUE OF ASSET °k OF DECD'S INTEREST EXCLUSION (IF APPLICABLE) TAXABLE VALUE 1 MetLife Annuity Account No. M9225938 -Beneficiary - 22,252.67 22,252.67 Roger W. Corl, son TOTAL (Also enter on Line 7. Recapitulation) ~ 22,252.67 (If more space is needed, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule G (Rev. 6-98) REV-1151 EX+ (10-06) SCHEDULE H ,. _ _ __...._..._ FUNERAL EXPENSES & ESTATE OF Corl. Barbara V. FILE NUMBER 21-10-0567 Debts of decedent must be reported on Schedule I. ITEM DESCRIPTION AMOUNT N MBER A, FUNERAL EXPENSES: See continuation schedule(s) attached 4,943.68 B. 1. ADMINISTRATIVE COSTS: Personal Representative's Commissions Name of Personal Representative(s) Street Address City State Zip Year(sl Commission raid 2. Attorney's Fees Salzmann Hughes, P.C. 2,500.00 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) 3,500.00 Claimant _Roger W. Corl Street Address 19 Mel-Ron Court city Carlisle state PA zip 17015 Relationship of Claimant to Decedent SOn 4. Probate Fees 101.50 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. Other Administrative Costs 803.16 See continuation schedule(s) attached TOTAL (Also enter on line 9, Recapitulation) 11,848.34 Copyright (c) 2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule H (Rev. 10-06) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Corl, Barbara V. 21-10-0567 ITEM NUMBER DESCRIPTION AMOUNT Funeral Ex enses 1 Barbara L. Daum -reimbursement for funeral luncheon 207.60 2 Hoffman-Roth Funeral Home 8 Crematory, Inc. -funeral services 4,736.08 H-A ~ 4,943.68 Other Administrative Costs 3 Register of Wills -filing fees 30.00 4 Salzmann Hughes -Reservation held for miscellaneous contingencies 500.00 5 Salzmann Hughes, P.C. -reimbursement for payment to Cumberland Law Journal for Legal 75.00 advertising 6 The Sentinel -Legal advertising 198.16 H-B7 $03.16 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H (Rev. 6-98) Rev-1512 EX+ (12.08) SCHEDULE 1 ,, DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Corl, Barbara V. 21-10-0567 Report debts incurred by the decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Bank of America -balance due on account 85.48 2 Bank of America Home Loans -Account No. 033563832, 112 balance due 23,309.66 3 Bankers Life -insurance premium 257.66 4 Cardiology Diagnostic, LLC -balance due on account ~ 35.00 5 Carlisle Regional Medical Center -balance due on account 284.80 6 Penny G. Davis, Tax Collector - 112 payment of 2010 Cumberland County real estate tax 208.09 TOTAL (Also enter on Line 10, Recapitulation) I 24,180.69 (If more space is needed, additional pages of the same size) Copyright (c) 2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule I (Rev. 12-08) . SCHEDULE J COMMNHEwTANCEOTFaaPC RETURNANIA RESIDENT DECEDENT BENEFICIARIES ESTATE OF FILE NUMBER Corl, Barbara V. 21-10-0567 NAME AND ADDRESS OF RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE NUMBER PERSON(Sl RECEIVING PROPERTY DECEDENT Nt itTrute (Words) ($$$) I TAXABLE DISTRIBUTIONS [include outright spousal • distributions, and transfers under Sec. 9116 a 1.2 1 Roger W. Corl Son Sch. F Item 1 48,151.22 19 Mel-Ron Court Sch. G Item1 Carlisle, PA 17015 1/2 Residue 2 Barbara L Daum Daughter 1/2 residue 12440 Haydon Ct. Fishers, IN 46038 Tota I 48,151.22 Enter dollar amounts for distributions shown above on lines 15 throu h 18 on Rev 15 00 cover sheet, as a ro riate. NON-TAXABLE DISTRIBUTIONS: II. A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS _ TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS yN LiNt 1 a Ur Ktv-~ 5uu Vtwtrc ~hct I I Copyright (c) 2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule J (Rev. 11-08) ACCOUNT N0. ACCOUNT TYPE 2679126694 CLASSIC CHECKING 00 0 04344M NM 017 BARBARA V CORL 19 MEL RON CT CARLISLE PA 17015 45068 ACCOUNT SUMMARY STATEMENT PERIOD PAGE APR.10-MAY.07,2010 1 OF 1 SPRING GARDEN BEGINNING BALANCE DEPOSITS 8 OTHER ADDITIONS CHECKS PAID OTHER SUBTRACTIONS CURRENT INTEREST PD ENDING BALANCE N0. AMOUNT N0. AMOUNT N0. AMOUNT 6,008.72 0 0.00 0 0.00 1 257.66 0.00 5,751.06 ACCOUNT ACTIVITY POSTING DATE TRANSACTION DESCRIPTION DEPOSITS,TNTEREST 8 OTHER ADDITIONS CHECKS 8 OTHER SUBTRACTIONS DAILY BALANCE 04-10-10 BEGINNING BALANCE 56,008.72 05-03-10 BANKERS LIFE 357 INS PREM 257.66 5,751.06 ENDING BALANCE 55,751.06 SAVE BIG ON GREAT GIFTS FOR MOTHER'S DAY WITH YOUR M8T CHECK CARD. USE YOUR CARD IN STORES, ON THE WEB AND OVER THE PHONE AT PARTICIPATING NATIONAL RETAILERS. JUST BE SURE TO SELECT tOR ASK TO USE YOUR CARD AS) "CREDIT". PICK UP A COUPON BOOK AT YOUR LOCAL M8T BRANCH OR VISIT WWW.MTB.COM/SHOPPING TO SEE ALL THE DEALS ON THE PERFECT GIFT FOR MOM. / Cumberland County Pennsylvania TAX COLLECTOR COPY -RETURN WITH PAYMENT FOR PROPER CREDIT Bill N©: 455 Bill Date: 3/1/10 CORL, BARBARA V & ROGER W 19 MEL-RON COURT Control No: 21002823 19 MEL RON CT Acres .000 Deed: 0022400914 CARLISLE, PA 17015-8406 HARMONY HALL COURT CONDOMINIUM MAP NO: 21-19-1637-036-U31 UNIT 31 PH II PB 84 PG 72 Residential Building Payable To: PENNY G DAVIS, TAX COLLECTOR 158 FIELDSTONE DRIVE CARLISLE, PA 17015 Phone: (717) 697-5740 Assessed Value: Land: 0 Improvement: 110,130 Total: 110,130 Discount Face Fenalty COUNTY RiE 2.39900 $258.92 $264.20 $290.62 COUNTY LIB .18000 $19.42 $19.82 $21.80 MUNIC. R1E 1 20000 $129.52 $132.16 $145.38 TAX AMOUNT DUE If Date Of Payment Is On $407.86 $416.18 311!10 thru 4/30110 511110 thru 6/30110 $457.80 711110 or Later Payable To: PENNY G DAVIS, TAX COLLECTOR Office Hours: MARCH-JUNE MON 10-1; THUR 47 Bill No: 455 158 FIELDSTONE DRIVE SEE JULY BILL FOR HOURS JULY-DEC Bill Date: 3/1/10 CARLISLE, PA 17015 EXTRA HRS APRIL 21 &30 10-12; CLOSED 6/10 Control No: 21002823 Phone: (717) 697-5740 PHONE (717) 697-5740 MAP NO: 21-19-1637-036-U31 Desc: 19 MEL-RON COURT Acres .000 Deed: 0022400914 HARMONY HALL COURT CONDOMI UNIT 31 PH II PB 8a PG 72 Residential Building I IIIII~ (IIII VIII VIII VIII VIII VIII VIII IIII III) $1.00 FEE FOR ADDITIONAL RECEIPTS T Assessed Value: Land: 0 Improvement: 110,130 Total: 110,130 Discount Face Penalty COUNTY R/E 2.39900 $258.92 $264.20 $290.62 COUNTY LIB .18000 $19.42 $19.82 $21.80 MUNIC. R/E 1.20000 $129.52 $132.16 $145.38 TAX AMOUNT DUE $407.86 $416.18 If Date Of Payment Is On 311 /10 thru 4130/10 5/1 /10 thru 6/30110 $457.80 711 /10 or Later ax Payer. CORL, BARBARA V 8 ROGER W 19 fv1EL RON CT CARLISLE, PA 17015-8406 TAXPAYER'S COPY -KEEP THIS PORTION FOR YOUR RECORDS • ~ ~ - ~ . • : • • PENNY G DAVIS, TAX COLLECTOR 158 FIELDSTONE DRIVE CARLISLE, PA 1715 RETURN SERVICE REQUESTED OFFICIAL BOUNTY MUNICIPAL TAX $ILL t3'1 10 - 4 ;b~2 CORL, 6AR6APA V & ROGER -.J h;~+."t 1!9 MEL RCN CT ;'~~ ~-ARLiSE._E, FAA L?01,5-8'106 ~. ~ - L-lli~i,l~ ..:,:~ rl _-/~,~c . ,.-m.:a~...~~: ~ ~ C. Smart_'une Cummunications Canter Col{ahoratiun Suite rcor119wi:comcast.net Fw: AO Corl Fri~ay, .April I b, 010 1 1:09:?6 Ati1 from mcfu.~,~Lmetlite cum To rcurll9rcomcastnet Cc pneal; L.metlrfe cum roger -below is the official date of death valuation from annuity services - please feel free to print and provide to your attorney - michael Michael C. Fox, JD, CFP(R) CERTIFIED FINANCIAL PLANNER(TM) Professional Financial Services Representative Registered Representative Investment Adviser Representative 56L Central Penn Financial Group An Office of MetLife 101 Erford Rd, Suite 2C0 Camp Hill, PA 17011 PH 717-724-4356 (800 842.3357 / ext 2756) FX 717-737-1354 Metropolitan Life Insurance Company (MLIC), New York, NY 10166 Securities and investment advisory sernces offered by MetLife Securities, Inc. (MSI) (FINRA/SIPC), a registered investment adviser. MLIC and MSI are affiliates. 'tf you are trying to place any kind of investment trade, please do not send any instructions via email as we may not be able to place the trade for you. Please call me directly (717- 724-4356) OR call 717-724-4341 during normal business hours and someone will be able to help you. "You may ask to not receive future email advertisements from MetLife and its affiliates by sending an email back to me at the above email address. Please indicate in your message that you do not wish to receive future email solicitations and be sure to indicate any additional email addresses to which your request applies. Your request will be recorded upon receipt. This may take up to (10) ten business days. ._.- cr,rw:trn~~1 tr '.1~„I~a~-1 ~.: F~r!`.~a~1~~. nrli1.12l L~fz'~~:: un ~dl'. ~:I,?r.t~ 110' A41 ---- •- Rrta AndersenltndlMelUte/US Michael CFox/Sales/Ind/MetlileNS~QMetLife .... , 04/16/2010 11 O6 AM ' AO Corl M9225938/Barbara Corl - _ the date of death value 04/09/10 is $22,252 67/cost basis $10,000.00 ~` Rita Andersen Post Issue MetLife Annuity Operations and Services The infcrmatiori contained in this message may tae CODiFIGENTIAL and is for the intended addressee only. Any unauthorized use, disseminat:cn of the informs 1 crt Z ~,.% '~',~nN l.J•InS 001L023~~ta~a~~~r••auru )at~;yt~;~~~~:onre r.'jR Cl: ili OOOU 0 Z-'.1[;rd~i I"r 1 P i~C4J Rl)(;ER & EiAIiBAIiA COR(. ~ ~,~~ 19 Mel Ron Ct :fir Carlisle I'A 11015 dd06 ~~lil~~l~lll~~Inli~iil~~li~ll~ll~l~lll~,liltil~l~,.l~lillrl~l~ll Account Number 033563832 t,ei'y,,,:~i. ._. To contact Customer Service: 1.866.653.6183 www bankufamerica com To apply for a purchase, refinance or home equity loan: i .838.258.3633 You may be able to lower your interest rate and monthly payment by refinancing. Contact a Bank of America Nome Loans'"' mortgage loan officer today to learn how refinancing may allow you t~: • Lower your interest rate. . • Obtain a lower monthly mortgage payment.' • Consolidate multiple, higher-interest-rate debts into one monthly mortgage payt>1ent.' Ca(t our dedicated toll free number, 1.888.231.7056, today. 1. fieftnancing may increase the total number of monthly payments and/or the total amount patd whr:n compared to your current snuouun 'I Lhr: rt:lativr~ I,~~na~hts of a loan for debt consolydatron depr;nd on your individual cucumstances and your actual debt payments. Yuu will rrralitu (nterr;st paymr:nt savut~ts 4'Jhull yuu make monthly payments towards the new, lower interest rate loan in an amount equal to or greater than what you previously paid towards the Lui_lher t ern; rlr~htls- being consolidated. (his re5nancing opportunity from Bank of Amenca, N.A. was delivered//to~~you by its subsidiary and your loan servrcer, BAC Home Loans Jeivu:nut, l P Refinancing will ~e extended t;y Bank of Amenca, N.A., Member FDIC LJ BAC Home Loans Servicing, Lf', and Bank of Anrerrca, N.A. are Equal Ilous+ntt I t;nders Cc~ 2010 Bank of Amenca Corporation. Credit and collateral are subject to approval. rerrns and conthhons apply. Th+s rs not a commrtrnent to Ienrl f i nr~rams, t,rt~s, rc:rms and cundrtrons ar a suulect to change without non,. ~~. i~'%u lU N't'l ttiti4 Ali!l~ti23 H 0 M E L 0 A N Home loan overview as of 03/29/2010 Amount due on 05/01/2010 as of _0.3_/29/2__0_1.0__ _ __ -- - __.___ _ U M M A R Y Princi )al balance t $46,619.31 Home loan payment due 05%01/2010 $l,y,).;;11 Late Charge if payment received after U5/11%1UlU $14.97 fsee next page far account df~tailsl Dare Payments receit,~ed 03x'29/2010 $299.34 DID YOU KNOW? Your account ..HOW YOU WANT IT, WHEN YOU WANT IT !Next trn)c; you want to confirm a payment for Even make a payment), Iny in to www.ba;tk.otatnenca com. !`Aanage your account nnlme vvit powerful tools. t og u) today! Restnctrons apply. Want more llexrbrbty? BAC Honre Loaus 5urvrcinq, 1 L' ~trrlurc payment service, MurtrlagaNay on the V'Jr:h, allows yuu to nt,tk~: h your payments around the clockl,'rsn ~wvv~N hankuf.+mwrc,r conr and chr:ck out thr: demo to st:e lust haw e,rsy rt rs C;~IIs may be munitured r.r recur~ie~J Iu en;uie rr~..,thty >erVict: VVe may Charyr •~uu a fr'r luf up iu $411 VIII ft,r any payrt,ent returned ur rrtlecter) ty your fm.,ncrtl ur ~titut,on, ~ublect to .~pphc;+ble I:t4v 2of2 H 0 M E L 0 A N _Monthly payment breakdown as of 03/29/2010 __ Loan tyke and term _ DETAILS Principal and/or interest payment $299.34 Luan type 30 Yr Conventional Total monthly home loan payment 5299.34 Contractual remaining term 23 Years, 4 r~nontr~s Interest rate 5.625% Escrow account expenses 4Ve are responsible for the payment of the following escrow items with the excepNurr of the items marked with an asterisk l"). The payment of the items marked with an asterisk j `) is the responsrbiGty of the hvrneowner. f7escription Payee Policy number,-Tax lD Frequency Next due date Arnvunt due * Hazard insurance PJauonwide Group 5tJ37UU254G32 Annual 071201?.010 221.00 Home loan activity since your last statement Date Descnptron Prrncrpal Interest Total Oai29/2010 Apnl payment 580.43 218.91 299.34 **Ending balance 546,619.31 ~~ ••fVU ~ E The enduig balance a picbably not the same as the amount to payoff your Juan. For payoff mformanon, you may _ . _ -- -- - --- ----- --- - use vur c4-hour auWmated rnformanon system at 1.500.669.5833. u~r~r ~~~ r ~~~ T 0 CREDIT REPORTING NOTICE `~ C 0 N 7 A C T We may report information about your account to credit bureaus. Late pay ments, missed payments or other defaults on your account maybe reflected in your credit report. °" U S . For up-to-the-minute information about the account, use our 24-hour Tax Dept CA6.913-LB-O1, PO Box 10211, Van PJuys, CA 91410-0211 ~~ autornate~ rnforrnation system. To ask us about thrs statement or account Insurance Dept., TX2-977-D 1-03, PO Box 961206, Fort Worth, TX •:•••: information, call 1.tl66.653.6163,Mnn - Fri, Bam to 9pm Eastern Time. Calls 76161-0206 ~~ may be monitored anti/or recorded for service quality purposes. Se habla Payments, Attn: Remittance Processing PO Box 15222, Wilmington, DE ...~,. espanol. 1 800.295.0025.- 19886-5222 ~`' TDD 1.800.300.6407 Overnight deliveries Retail Payment Services, DE5-023-03-01, Christiana Please_have the account number available when you call_ _^__ _ - III, 900 Samoset Drive, Newark, DE 19713-6002 Or write to us at: ~ Uur website www.bankofainerica.coin ~ `^ i he adrirt;ss for general inquiries aril ail RESPA Guaiified ~driiten tour account information is avaiiaole in ~panisn on the site mentioned above. ~,~,.. ! Requests is: BAC Home Loans Servicing, LP, Attn: Custcrner Service CA6-919-U1-41, ~0 Box 5110, Simi Valley, CA i ~~ ~ 93062-5110 --- -- --- --- --- ----- ------_-_ ------- ---. _~ 1 ..~~ ~~ Rank of Amenr,a, N.Q. Member FDIC Benk of Amenca, N.A and 6AC Hume Loans Servicing, LP, a subsidiary of Bank of America, N.A. ,are Equal Housing Lenders. ;D 2UlU bank Cel~>rlt of Amenca Ccrpuratiur, Trademarks are the proFerry of Bark of America Corpci at~cn. All rights re:.erved