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07-19-11 (2)
1505610143 J REV-1500 EX (01-10) ~ OFFICIAL USE ONLY PA Department of Revenue Pennsylvania Count~~ Code Year File Number Bureau of Individual Taxes DEPARTMENT OF REVENUE PO 60X.280601 INHERITANCE TAX RETURN 21 10 0110 5 Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 181 24 8823 10 27 2010 03 21 1932 Decedent's Last Name Suffix Decedent's First Name MI SISTO SR. JOSEPH M (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number FILL IN APPROPRIATE OVALS BELOW THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS ® 1. Original Return ^ 2. Supplemental Return ^ 4. Limited Estate ^ qa. Future Interest Compromise (date of death after 12-12-82) ® 6 Decedent Died Testate ^ ~. Decedent Maintained a Living Trust (Attach Copy of Trust) (Attach Copy of Will) ^ 9. Litigation Proceeds Received ^ 1 p. Spousal Poverty Credit (date of death between 12-31-91 and 1-1-95) ^ 3. Remainder Return (date of death prior to 12-13-82) ^ 5. Federal Estate Tax Return Required 8. Total Number of Safe Deposit Boxes ^ 11. Election to tax under Sec. 9113(A) (Attach Sch. O) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL T,AX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number RICHARD E CONNELL ESQ 717 232 8731 First line of address 2303 MARKET STREET Second line of address City or Post Office State ZIP Code CAMP HILL PA 17011 Correspondent's a-mail address: C o n n e l l@ b m c- l a W. n e t ,«.,.y REGISTER OS USE OMLY ~~ ~ l ~ i~ r~ ~+,~.~, 4, '~ ~." . ..v i. ., '....~~0 r. .` ~O~n ~ ~ ~,. , DATE FILED N `- ~-i I ._.., ... _., -~ t -~ Under penalties of 'ury, 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 nd mplete. Declaration of preparer other than the personal representative Is based on all information of which preparer has any knowledge. SIG ATU OF SO RESPONSIBLE FOR FILING RETURN DATE 'WI . . _ _ _ ~ Mark T. Duran '~ • I ~ -"~~ 412 ler Street 'csburg, PA 17055 NATUR OFP PARER ER R ESENT T DATE Richard E Connell Esq ~~- ~~~~?s/~ ,-- ADDRESS 2303 Market Street, Camp Hill, PA 17011 1505610143 Side 1 1505610143 JQ ti _.~~, J 1505610243 REV-1500 EX Decedent's Social Security Number Decedent's Name.: $ I$ T O, JOSEPH M. S R. 181 2 4 8 8 2 3 RECAPITULATION 26,731.26 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. 4 6 , 2 7 8 4 9 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ................ 5. 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested ............. 6. 7 Inter-Vivos Transfers 8~ Miscellaneous Non-Probate Property . (Schedule G) ^ Separate Billing Requested ............. 7. g. Total Gross Assets (total Lines 1-7) ....................................................................... 8. 7 3, 0 0 9. 7 5 28,022.94 9. Funeral Expenses 8~ Administrative Costs (Schedule H) ......................................... 9. 1,946.31 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) ................................ 10. 11. Total Deductions (total Lines 9 & 10) ...................................................................... 11. 2 9 , 9 6 9 . 2 5 12. Net Value of Estate (Line 8 minus Line 11) ............................................................. 12. 4 3 , 0 4 0 5 0 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which 3 4 4 3 2 4 0 an election to tax has not been made (Schedule J) ................................................. 13. r 14. Net Value Subject to Tax (Line 12 minus Line 13) ................................................. 14. 8 , 6 0 8 . 1 0 TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 15. (a)(1.2) X .00 16. Amount of Line 14 taxable 6 0 8.10 045 8 16. 3 8 7 . 3 6 , at lineal rate X . 17. Amount of Line 14 taxable 17 at sibling rate X .12 . 18. Amount of Line 14 taxable 18 at collateral rate X .15 . 19. Tax Due ..................................................................................................................... 19. 3 8 7. 3 6 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYM ENT. Side 2 L 1505610243 1505610243 J REV-1500 EX Page 3 no~orlant's (:mm~lpte Address: File Number 21 - 10 - 01105 D N ' NA E Sisto, Joseph M. Sr. STREET ADDRESS 410 West Keller Street CITY STATE ZIP Mechanicsburg PA 17055 Tax Payments and Credits: 1. Tax Due (Page 2, Line 19) (1) 3 8 7.3 6 2. Credits/Payments A. Prior Payments 4 3 0.0 0 B. Discount 19.37 Total Credits (A + a) (2) 449.37 3. Interest (3) 0.0 0 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. (4) 6 2.01 Check box on Page 2 Line 20 to request a refund 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) Make Check Payable to: REGISTER OF WILLS, AGENT. .:.::. 9: 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 :.................................................................................. ^ ^x b. retain the right to designate who shall use the property transferred or its income :.................................... ^ 0 c. retain a reversionary interest; or ..................................................~.............................................................. x d. receive the promise for life of either payments, benefits or care ............................................................... ^ 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? ....................................................................................................................... ^ ^x 3. Did decedent own 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 pn~perty which contains a beneficiary designation? ...................................................................................................................... ^ ^x 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 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) (u)]. 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 refurn 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 ears 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) (~.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 bloodd or adoption. SCHEDULE A ,. REAL ESTATE COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF SIStO, Joseph M. Sr. FILE NUMBER ;?1-10-01105 All real property owned sole)y 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 wilting seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts. Real property which is jointly-owned with right of survivorship must be disclosed on schedule F. Attach a copy of the settlement sheet if the property has been sold. Include a copy of the deed showing decedent's interest if owned as tenant in common. ITEM DESCRIPTION VALUE AT DATE OF NUMBER DEATH 1 410 West Keller Street, Mechanicsburg, PA 17055 26,731.26 Parcel Number 20-24-0785-179 (Contract Price $134,900.00; net $24,931.26 -see HUD-1 attached) (Additional $1800.00 added. that amount is held by title company in escrow pending proof that inheritance tqx return accepted and that no potential lien against real property.) TOTAL (Also enter on Line 1, Recapitulation) I 26,731.26 COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY FILE NUMBER ESTATE OF SIStO, Joseph M. Sr. ;z1 - 10 - 01105 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the right of survivorship must be disclosed on schedule F. ITEM DESCRIPTION VALUE AT DATE OF DEATH NUMBER 1 Personal Possessions 2,896.40 2 Auction Proceeds - Mt. Royal Auction 965.86 3 Direct TV Refund 44.09 4 ADT Security Refund 30.88 5 Verizon Refund 252.59 6 State Farm Auto Insurance Refund 51.40 7 State Farm Homeowner's Insurance Refund 365.54 8 Chase Card Refund 36.95 9 2008 Chevrolet Impala 13,700.00 VIN 2G1 WD58C589145703 18,534 miles with damage to both rear quarter panels and roof band of doors on passenger side 10 PNC Bank 6,509.62 Money Market Account #5030092922 11 PNC Bank 19,493.28 Personal Checking Account #5070065566 12 PNC Bank -Escrow return for mortgage. 554.32 13 Sony Vio (lap top computer) Model #PCG-71312E and HP Photosmart 65280 300.00 TOTAL (Also enter on Line 5, Recapitulation) 46,278.49 SCHEDULE E CASH, BANK DEPOSITS, & MISC. COMMONWEALTH OF PENNSYLVANIA PERSONAL PROPERTY INHERITANCE TAX RETURN RESIDENT DECEDENT continued FILE NUMBER ESTATE ©F SIStO, Joseph M. Sr. 21 - 10 - 01105 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the right of survivorship must be disclosed on schedule F. ITEM VALUE AT DATE OF NUMBER DESCRIPTION DEATH 14 Escrow Adjustment 1,077.56 Page 2 of Schedule E COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN SCHEDULE H FUNERAL. E)CCF'ENSES & eI.r11U~NLSTRa-lT/E C~6T5 FILE NUMBER ESTATE OF Sisto, Joseph M. Sr. 21 - 10 - 01105 Debts of decedent must be reported on Schedule I. ITEM DESCRIPTION AMOUNT NUMBER FUNERAL EXPENSES: A. 1 Malpezzi Funeral Home 10,041.17 B. ADMINISTRATIVE COSTS: ~ . Personal Representative's Commissions Name of Personal Representative(s) Mark T. Juran 7,700.00 Street Address 412 West Keller Street city Mechanicsburg state PA zip 17055 Year(s) Commission paid 2011 2. Attorney's Fees Ball, Murren & Connell 3,500.00 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 Register of Wills, Cumberland County 323.50 5. Accountant's Fees 6. Tax Return Preparer's Fees 7, Other Administrative Costs 1 Verizon Wireless 564.40 TOTAL (Also enter on line 9, Recapitulation) 28,022.94 Schedule H Funeral E~er~ses & COMMONWEALTH OF PENNSYLVANIA ~~~~~ N ^~ ~M. „~ INHERITANCE TAX RETURN ~ II,YQY~IC VIAL ' I~C~ RESIDENT DECEDENT FILE NUMBER ESTATE OF Sisto, Joseph M. Sr. c:1 - 10 - 01105 2 United Water 88.38 3 PPL 212.11 4 UGI 532.78 5 Borough of Mechanicsburg (Sewer/Refuse) 118.32 6 Barry L. Heckard -Real Estate Tax 554.32 7 Barry L. Heckard -Tax Report for Realtor 10.00 8 Reimbursement to Mark Juran for costs advanced: locks, house cleaning, supplies, 278.44 paint, U-Haul for auction items 9 Cumberland Law Journal -legal advertising 75.00 10 The Sentinel -legal advertising 166.30 11 PNC Mortgage -December 741.70 12 State Farm Insurance Direct Pay 74.72 13 PNC Mortgage -January 741.70 14 PNC Mortgage -February 741.70 15 PNC Mortgage -March 741.70 16 PNC Mortgage -April 741.70 17 Filing Fee -Inheritance Tax Return 15.00 18 Filing Fee -Inventory 15.00 19 Reserve for costs of estate distribution and closeout 25.00 20 PNC -Bank Service Charge 20.00 Page 2 of Schedule H SCHEDULE I DEBTS OF DECEDENT, MORTGAGE COMMONWEALTH OF PENNSYLVANIA LIABILITIES, & LIENS INHERITANCE TAX RETURN RESIDENT DECEDENT FILE NUMBER ESTATE OF SIStO, Joseph M. Sr. 21 - 10 - 01105 Report debts incurred by the decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expenses. ITEM DESCRIPTION AMOUNT NUMBER 1 Hartzell Eye MDS 30.00 2 United States Treasury - 2010 Taxes 799.00 3 PNC Mortgage Payment 725.44 4 PNC Account Services Charges 80.00 5 Direct TV 110.21 E Home Service Charges 191.76 7 Direct Pay 9.90 TOTAL (Also enter on Line 10, Recapitulation) I 1,946.31 REV-1513 EX+ (11-08) COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE) BENEFICIARIES ESTATE OF Sisto, Joseph M. Sr. NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY I TAXABLE DISTRIBUTIONS[include outright spousal f • ers distributions, and trans under Sec. 9116 (a) (1.2)] 1 2 Heather Marie Johnson 50 Fox Run Dr. York, PA 17043 3 Joseph Sisto, III 701 Cassel Rd. Manchester, PA 17345 4 Elizabeth Maber Stowell 117 Raven Dr. Clovis, NM 81001 FILE NUMBER 21 - 10 - 01105 RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE DECEDENT (Vl/ords) (~$$) Do Not List Trustee(s) Granddaughter ~ 4% Grandson ~ 4°ro Granddaughter ~ 4°~0 Enter dollar amounts for distributions shown above on lines 15 through 18 on Rev 1500 cover sheet, as appropriate. II• NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS 1 St. Joseph Roman Catholic Church, clo Very Rev. Chester P. Snyder 34,432.40 400 E. Simpson St., Mechanicsburg, PA 17055 TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEETI 34,432.40 REV-1513 EX+ (9-00} COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN aFCinFNT nECEDENT SCHEDULE) BENEFICIARIES continued ESTATE OF Sisto, Joseph M. Sr. NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY I TAXABLE DISTRIBUTIONS[include outright spousal • distributions, and transfers under Sec. 9116 (a) (1.2)] 5 Nicole Majeed 443 W. Sycamore St. Vernon Hills, IL 60061 6 Michael Maber 33 S. Main Street, 3rd Floor Red Lion, PA 17356 FILE NUMBER 21 -10 - 01105 RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE DECEDENT (Words) ($$$) Do Not List Trustee(s) Granddaughter ~ 4°l0 Grandson ~ 4a/o Page 2 of Schedule J `~ *I~'~i~l* ~' ~. S~tt~ement Statement ~huu ~ ~ ., :. ~~~ Ny D-'"DF ~ ~ - ~ ~ I 1. [~ FHA 2. [~ RHS 3. XL~ Conv. Unins. 6. File Number: 7. Loan Number: 8. Mortgage Insurance Case Number: 11072 3710600163 4. [] VA 5. ~ Conv. Ins. C. Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agents are shown. Items marked "(p.o.c)" were paid outside the closing; they are shown here for informational purposes and are not included in the totals. D. Name & Address of Barrower: E. Name & Address of Seller: F. Name & Address of Lender: Tammie J. Mauck Estate of Joseph Sisto PrimeLending, A PlainsCapital Company 1441 Crums Mill Road, Harrisburg, PA 17110 410 West Keller Street, Mechanicsburg, Pa 17055 18111 Preston Rd., Ste #900, Dallas, TX 7525 G. Property Location: H. Settlement Agent: I. Settlement Date: 04/29/2011 410 West Keller Street 1st Advantage Settlement Services Inc. Disbursement Date: 04/29/2011 Mechanicsburg, PA 17055 6375 Mercury Drive, Suite 102, Mechanicsburg, PA 17050 Mechanicsburg Borough Telephone: 717-591-7755 Fax: 717-591-7756 Place of Settlement: TitleExpress 6375 Mercury Drive, Suite 102, Mechanicsburg, PA 17050 Printed 04/29/2011 at 11:30 am by KS 100. . :. • Gross Amount D'u'e from Borrower 101. Contract sales price 134,900.00 102. Personal ro ert 103. Settlement charges to borrower (line 1400) 18,553.34 104. 105. Ad'ustments for items aid b seller in advance 106. City/town taxes to 107. County taxes 04/29/2011 to 12/31/2011 375.12 108. School Taxes 04/29/2011 to 06/30/2011 247.66 109. Sewer 04/29/2011 to 06/30/2011 51.92 110. Trash 04/29/2011 to 06/30/2011 2g.gg 111. 112. 120. Gross Amount Due from Borrower 154,158.03 200. Amounts Paid b or in Behalf of Borrower 201. Deposit or earnest money 202. Principal amount of new loan(s) 80,000.00 203. Existin loa s taken sub'ect to 204. 205. 206. 207. 208. 209. Seller Assist 4,500.00 Ad'ustments for items un aid b seller 210. City/town taxes to 211. County taxes to 212. School Taxes to 213. 214. 215. 216. 217. 218. 219. 220• Total Paid b /for Borrower 84,500.00 300.. Cash at.Settlemenf fromlto Borrower 301. Gross amount due from borrower (line 120) 154,158.03 302. Less amounts paid by/for borrower (line 220) 84,500.00 303. Cash ^X From ~ To Borrower e u c eoo Ifln u en or ~s rn er- nn n m nrma nn c ac .,,e o o ..,..... -...-. 69,658.03 .°"--- -- -- -- -- _-- _-_. -- -- K. Summary of Seller's Transaction 400. Gross:Amount Due to Seller 401. Contract sales price 134,900.00 402. Personal ro ert 403. 404. 405. Ad'ustments for items aid b seller in advance 406. City/town taxes to 407. County taxes 04/29/2011 to 12/31/2011 375.12 408. School Taxes 04/29/2011 to 06/30/2011 247.66 409. Sewer 04/29/2011 to 06/30/2011 51.92 410. Trash 04/29/2011 to 06130/2011 29,98 411. 412. 420. Gross Amount Due to Seller 135,604.69 .500.. .Reductions'In Amount Due to Seller 501. Excess deposit (see instructions) 502. Settlement charges to seller (line 1400) 9,821.32 503. Existin loa s taken sub'ect to 504. Payoff of first mortgage loan to PNC Mortgage 94,552.11 505. Payoff of second mortgage loan 506. 507. 508. Inheritance Tax Escrow 1,800.00 509. Seller Assist 4,500.00 Ad'ustments for items un aid b seller 510. City/town taxes to 511. County taxes to 512. School Taxes to 513. 514. 515. 516. 517. 518. 519. 520. Total Reduction Amount Due Seller 110,673.43 - 600. Cash afSettlement to/from Seller 601. Gross amount due to seller (line 420) 135,604.69 602. Less reductions in amount ciue seller (line 520) 110,673.43 603. Cash 0 To ^ From Seller repo ng e a a s agency may no co a is in or 24,931.26 ~~~~~ ~~~~~ti univsa n aispiays a currenny vans vMd control number. No confideMlaBty Is assured; this disGosure is mandatory. This Is designed to provide the parties to a RESPA coveired transaction with Inforrrnatton during the omp e e settlement process. Previous editions are obsolete Page 1 of 4 HUD-1 700. Total Real Estate Broker Fees $ 8,319.00 Paid From Paid From Division of commissiori Tine 700 as follows: Borrower's Seller's 701. $4,047.00 to Re/Max 1st Advantage Funds at Funds at 702• $4,272.00 to Howard Hanna Settlement Settlement . 703. Commission paid at settlement 8,319.00 705. Commission to Re/Max 1st Advantage 350.00 800: Items Pa able in Connectiorrwith~Loan 801. Our origination charge (Includes Origination Point 0.000% or $0.00) $1,355.00 (from GFE. #1) 802. Your credit or charge (points) for the specific interest rate chosen $ (from GFE= #2) 803. Your adjusted origination charges (from GFE: A) 1,355.00 804. Appraisal fee to PL FBO Colestock A sl Services (from GFE. #3) 350.00 805. Credit report to PL FBO Kroll Factual Data (from GFE_ #3) 11.01 806. Tax service to PrimeLendin A PlainsCa ital Com an (from GFE= #3) 90.00 807. Flood certification to PL FBO Corelo is (from GFE= #3) 9.50 808. to 900. Items Re aired b Lender to b~ -Paid in Advance 901. Daily interest charges from from 04/29/2011 to 05/01/2011 @ $10.9600/day (from GFE= #10) 21.92 902. Mortgage Ins. Premium for months to (from GFE_ #3) 903. Homeowner's insurance for 1 ears to Enders Insurance Assoc (from GFE= #11) 467.00 904. months to from GFE: #11 1000. Reserves De osited with Lender 1001. Initial deposit for your escrow account (from GFE_ #9) 1,230.16 1002. Homeowner's insurance 3 months $ 38.92/month $116.76 1003. Mortgage Insurance months $ 0.00/month $ 1004. City Property Tax months $ O.OOlmonth $ 1005. County Property Tax 4 months $ 46.19/month $184.76 1006. School Taxes 11 months $ 119.57/month $1,315.27 1007. Aggregate Adjustment $-386.63 1100. Title Char es 1101. Title services and lender's title insurance from G1=E #4 1,083.75 1102. Settlement or closing fee to $ 1103. Owner's title insurance from GI=E #5 295.00 1104. Lender's title insurance $888.75 1105. Lender's title policy limit $80,000.00 Lender's Policy 1106. Owner's title policy limit $134,900.00 Owner's Policy 1107. Agent's portion of the total title insurance premium $1,006.19 1108. Underwriter's portion of the total title insurance premium $177.56 1109. 1110. Notary to Kristen D. Shive 10.00 1111. Tax Certification Fee to 1 st Advanta a Settlement S ~ 10.00 1112. Wire Out Fee-Payoff to 1 st Advanta a Settlement S 15.00 1200. Government Recordin and;Transfer.Char es~ 1201. Govemment recording charges $ (from GFE: #7) 146.00 1202. Deed $62.00 Mort a e $84.00 Release $ 1203. Transfer taxes $ (from GFE= #8) 1,349.00 1204. City/County tax/stamps Deed $1349.00 Mort a e $ 1205. State Tax/stamps Deed $1,349.00 Mort a e $ 1,349.00 1206. Deed $ Mort a e $ 1207. $ 1300. Additional Settlement Char es 1301. Required services that you can shop for (from GFE: #6) 1302. Survey to $ 1303. to 1304. to 1305. to 1306. Sewer 4/1-6130 to Mechanicsbur Borou h 75.00 1307. Trash 411-6130 to Mechanicsbur Borou h 43.32 1308. Payoff to PSECU ~ ~ 3,872.00 1309. Payoff to Fed Loan service 7,923.00 ' ~ ~ • ' ~ ~ 18,553.34 9,821.32 *Paid outside of closing by (B)orrower, (S)eller, (L)ender, (I)nvestor, Bro(K)er. **Credit by lender shown on page 1. 'k*"Credit by seller shown on page 1. Previous editions are obsolete Page 2 of 4 HUD-1 ~ ~ -mm~~r~cnn nr ~;nnn ~atrn F-STIm9TP Ihttl and t1UU•"I l.naraeS ~ ~ ~700a r'alin CSLlmaie ~ nUU• I Char es That Cannot Increase :HUD-1 Line Number Our origination charge # 801 Your credit or charge (points) for the specific interest rate chosen # 802 Your adjusted origination charges # 803 Transfer taxes # 1203 Char es That in Total Cannot Increase More Than 10°/a Government recording charges # 1201 Appraisal fee # 804 Credit report # 805 Tax service # 806 Flood certification # 807 ~• ~ ~ ~• Char es That Can Chan e Initial deposit for your escrow account # 1001- Daily interest charges from # 901 $10.96001day Homeowner's insurance # 903 Title services and lender's title insurance # 1101 Owner's title insurance # 1103 Loan Terms 1,355.00 1,355.00 0.00 0.00 1,355.00 1,355.00 1,349.00 1,349.00 Good Faith Estimate HUD-1 165.00 146.00 425.00 350.00 25.00 11.01 90.00 90.00 9.50 9.50 714.50 606.51 $ -107.99 or -15.1141 Good Faith Estimate HUD-1 2,104.00 1,230.16 273.97 21.92 600.00 467.00 1,173.75 1,083.75 295.00 295.00 Your initial loan amount is $80,000.00 Your loan term is 30. years Your initial interest rate is 5.0000% Your initial monthly amount owed forprincipal:interest, and any mortgage $429.46 includes insurance is X^ Principal X^ Interest ^ Mortgage Insurance Can your interest~rate rise? Q No. ^ Yes, it can rise to a maximum of %. The first change will be on I I and can change again every years after I I .Every change date, your interest rate can increase or decrease by %. Over the life of the loan, your interest rate is guaranteed to never be lower than % or higher than %. Even if you make payments on time, can your loan balance rise? 0 No. ^ Yes, it can rise to a maximum of $ Even if you make payments on time, can your monthly amount owed for. ^X No. ^ Yes, the first increase can be on / I and the monthly principal, interest, and mortgage insurance rise? amount owed can rise to $ The maximum it can ever rise to is $ Does your loan have a prepayment penalty? ^X No. ^ Yes, your maximum prepayment penalty is $ Does your loan have a balloon payment? X^ No. ^ Yes, you have a balloon payment of $ due in years on / / Total monthly amount owed including escrow account payments ^ You do not have a monthly escrow payment for items, such as property taxes and homeowner's insurance. You must pay i.hese items directly yourself. ^X You have an additional monthly escrow payment of $204.68 that results in a total initial monthly amount owed of $634.14. This includes principal, interest, any mortgage insurance and any items checked below: ^X Property taxes ^X Homeowner's insurance X^ Flood insurance X^ School Tax ^ ~ ^ Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form, please contact your lender. Previous editions are obsolete Page 3 of 4 HUD-1 HUD CERTIFICATION OF BUYER AND SELLER I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction. I further certify that I have received a copy of the HUD-1 Settlement Statement. Tammie J. Mauck ~r J ~ o Estate of Joseph Sid - ~,. The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction. I have caused or will cause the funds to be disbursed in accordance with this statement. SETTLEMENT A DATE WARNING: IT IS A CRIME TO KNOWINGLY MAKE FALSE STATEMENTS TO THE UNITED STATES ON THIS OR ANY SIMILAR FORM. PENALTIES UPON CONVICTION CAN INCLUDE A FINE AND IMPRISONMENT. FOR DETAILS SEE TITLE 18: U.S. CODE SECTION 1001 AND SECTION 1010. Previous editions are obsolete Page 4 of 4 HUD-1 Itemization of Lines 1101, 1103 and 1104 ~ Name of Borrower; Name of Seller: File Number Tammie J. Mauck Estate of Joseph Sisto 11072 TitleExpress Prepared 04/27/2011 at 1:20 pm cote: This page is furnished to give you an itemization of the amounts shown on Paid From Paid From Lines 1101, 1103 and 1104 of the Settlement Statement (HUD-1 ). This page Borrower's Seller's accompanies but is not a part of the settlement statement. If a discrepancy Funds at Funds at exists, the information shown on the Settlement Statement (HUD-1) applies. Settlement Settlement 1100. Title Charges Amounts Included in Line 1101 1101. Title services and lender's title insurance 1,083.75 a. Wire In Fee $ 10.00 b. EmaillDoc Copy Fee ~ 35.00 c. Overnight Delivery Fee-Package 25.00 d. Notary Fee 50.00 e. Closing Service Letter 75.00 $ 195.00 1102. Settlement or closing fee 1103. Owner's title insurance (policy) $ 295.00 295.00 1104. Lender's title insurance (policy 738.75 $ 888.75 a. Endorsement 900 EPL-Residential 50.00 b. Endorsement 100 (No Violation) 50.00 c. Endorsement 300 Surve 50.00 (Total 1103 + 1104) 1105. Lender's title policy limit $80,000.00 103675015 PASLE 1106. Owner's title policy limit $134,900.00 5011442-15132 1107. Agent's portion of the total title insurance premium $ 1,006.19 1108. Underwriter's portion of the total title insurance prem: 177.56 (Total 1107 +1108) 1109. 1110. 1111. 1112. Additional Information for Line 1101 Items 1100. Title Char es with Pa ee Total Char a Borrower POC or Credit Borrower Line 1101 Seller Paid 1101. Title services and lender's title insurance $ a. Wire In Fee to 1 st Advantage Settlement Services Inc. 10.00 10.00 b. EmaillDoc Copy Fee to 1 st Advantage Settlement Services Inc. 35.00 35.00 c. Overnight Delivery Fee-Package to 1 st Advantage Settlement Services Inc. 25.00 25.00 d. Notary Fee to Kristen D. Shive 50.00 50.00 e. Closing Service Letter to First American Title Insurance Company 75.00 75.00 1104. Lender's title insurance to 1st Advantage Settlement Services Inc. 888.75 888.75 $ 1,083.75 1,083.75 ES' By 4/29/11 I Date 4/29/11 Tammie J. Mauck ~~Y LAST WILL AND TESTAMENT OF JOSEPH SISTO KNOW ALL MEN BY THESE PRESENTS, that I, JOSEPH SISTO, of Cumberland County, Pennsylvania, do hereby make, declare, and publish this as my Last Will and Testament, hereby revoking all former wills and codicils heretofore made by me at any time. PAYMENT OF EXPENSES FIRST: I direct that my Executor, hereinafter named, shall have the power, but not the duty, to pay all my just debts, expenses of my last illness and funeral expenses, from my estate as soon after my decease as shall be found convenient. GIFTS SECOND: I bequeath my automobile and personal effects, such household goods, if any, as may be my individual property and other tangible property of like nature, together with any existing insurance thereon, and the rest, residue and remainder of my estate in the following manner: a. Eighty (80%) percent of the net value of my estate (after payment of all taxes, expenses, debts and costs of administration), to St. Joseph Roman Catholic Church, Diocese of Harrisburg, Mechanicsburg, Cumberland County, Pennsylvania. b. Twenty (20%) percent of the net value of my estate to be divided equally among my following named grandchildren: 1) ELIZABETH MABER STOWELL; 2) MICHAEL MABER; 3) JOSEPH SISTO, III; and 4) HEATHER MARIE SISTO. Should any of the above-named individual beneficiaries predecease me, his or her share shall be equally divided among the other named individual beneficiaries who survive me. I specifically note that I have no provisions for any child of mine or for any descendants, if there are any, of my daughter, NICOLE. t ~~ COMMONWEALTH OF PENNSYLVANIA SS: COUNTY OF CUMBERLAND I, JOSEPH SISTO, the person whose name is signed to the a1ttached or foregoing instrument, having been qualified according to law, do hereby acknowledge that I signed the instrument as my Will; and that I signed it willingly and as my free arld voluntary act for the purposes therein expressed. JOSEPH SISTO Sworn or affirmed to and acknowledged before me, by JOSEPH SISTO, the Testator, this /o~=' day of /1/o vein ~O~' , 2008. N ~ Public ~~~ ~~ 2, I~~$~t~Il'F~li f"i~t~df"~ PUba1C FIDUCIARIES THIRD: I hereby designate my friend and neighbor, MARK JURAN, as Executor. No Executor appointed hereunder shall be required to post bond or give other security for the performance of his duties in any jurisdiction. If MARK JURAN is unable or unwilling to serve as Executor, I hereby appoint, GREGORY KENSKI, currently of 113 South Walnut Street, Mechanicsburg, PA 17055, as Executor. ADMINISTRATIVE PROVISIONS FOURTH: My Executor shall have, in addition to the powers and authority conferred upon him by law, the following additional discretionary powers. and authority: (a) To retain any property received by him. (b) To sell at public or private sale, exchange, lease, mortgage or pledge any property, real or personal upon such terms and conditions as the Executor shall deem wise. (c) To invest any money at any time in such bonds, stocks, notes, real estate, mortgages, life insurance annuities or other securities, or such property, real or personal, as the Executor shall deem wise, without being limited by any statute or rule of law regarding investments by the Executor. (d) To retain, without incurring any liability, as investments, any property owned by me at the time of my death, as long as he deems it wise, and even though such property is not the kind of property an Executor would purchase as an investment; and even though to retain such property might violate sound diversification principles. (e) To cause any security or other property which may at any time constitute a portion of my estate to be issued, held or registered in his own name, or in the name of a nominee, or in such form that title will pass by delivery. (f) To consent to the reorganization, consolidation, readjustment of the financial structure, or sale of the assets of any corporation or other organization, the securities of which constitute a portion of my estate, and to take any action with reference to such securities which, in the opinion of the Executor, is necessary to obtain the benefit of any such reorganization, consolidation, readjustment or sale; to exercise any conversion privilege or subscription right given to him as the owner of any securities constituting a portion of rriy estate; to accept and hold as a portion of my estate securities resulting from any reorganization, consolidation, readjustment, sale, conversion or subscription. (g) To pay all costs, taxes, charges and expenses in connection with the administration of my estate, including compensation to the Executor. (h) To determine what is "Income" and what is "Principal" hereunder, and his decision thereon shall be final; and to purchase securities at a premium or discount, and to apply or charge said premium or discount against income or principal as the Executor may determine. (i) To transfer, sell, exchange, partition, lease, mortgage, pledge, give options upon, or otherwise dispose of any property at any time held by lum, at public c-r private sale or otherwise. (j) To borrow money from any person, firm or corporation for the purpose of protecting and preserving or improving my estate hereunder; to e:Kecute promissory notes or other obligations for amounts so borrowed. (k) To make distribution in cash or in kind. (1) To execute and deliver all documents necessary or appropriate for the exercise of his powers. (m) To do all other acts in his judgment necessary or desirable for the proper and advantageous management, investment and distribution of my estate. FIFTH: And I do further direct that: (a) No Executor shall be liable for any loss resulting to m;y estate from any investment or reinvestment made or retained in good faith. (b) No Executor shall be liable for any loss to my estate unless the same shall occur through his own gross neglect or willful malfeasance. TAXES SIXTH: Beneficiaries Under 21 or Disabled: If any beneficiary hereunder becomes entitled to an outright distribution of income or principal and is (i) under the age of 21 years or (ii) in the Executor's opinion, disabled by illness or other cause and unable to properly manage the funds A. Payments: As much of such income or principal as the Executor may from time to time think desirable for that beneficiary either shall bE; paid to him/her or shall be applied for his or her benefit; and B. Balance: The balance of such income and principal -and the net income from those funds -shall be kept invested and managed as a separate account for that _;, :~ -3- beneficiary, with the funds paid to or for the beneficiary in accordance with the provisions of the preceding paragraph. When the beneficiary Y•eaches the age of 21 or, in the Executor's opinion, becomes free of disability, as the case: may be, the balance shall be paid to the beneficiary. If he/she dies before that time, the balance shall be paid to his/her personal representative. Any funds to be applied under this article either shall be applied directly by the Executor or shal f be paid to a parent or guardian of the beneficiary or to any person or orgamzation taking care o the beneficiary. Funds applied for minors may also include distribution to a custodian selected and appointed by my Executor under the Uniform Gifts or Transfers to Minors Act of any state. The Executor shall have no further responsibility for any funds so paid or applied. SEVENTH: I direct that all transfer and inheritance taxes, state or federal, assessed r ert or insurance roceeds to which such taxes are because of my death, whether the funds, p op y p attributable pass under this Will or not, shall be paid out of my residuary estate just as if they were my debts and none of these taxes shall be charged against an.y beneficiary; and that my Executor pay, or provide for payment of all such taxes at such time or times, and in such manner as my Executor deems best. IN TERROREM EIGHTH: If any beneficiary or remainderman under this Will in any manner, directly or indirectly, contests or attacks this Will or any of its provisions, oY• objects to the accounts or actions of my fiduciaries, without probable cause, such beneficiary shall pay all costs, including but not limited to attorneys' fees, arising in connection with such contest, attack or objection incurred by my estate, or such fiduciary personally. In the event that such beneficiary does not prevail in such action, any share or interest in my estate or such trust which would otherwise pass to such beneficiary or remainderman under this Will shall be revoked and the property consisting of such share shall be disposed of in the manner provided herein as i.f that contesting beneficiary or remainderman had predeceased me without surviving issue. IN WITNESS WHEREOF, I, JOSEPH SISTO, the Testator to this my Last Will and Testament, typewritten on five (5) sheets of paper which I have ideni:ified at the bottom of each page by my signature, hereunto set my hand and seal this ~ d day of /y ~ ~' , 2008. U ~~ ~ ~P--~-~ ~. (SEAL) JOSEPH SISTO ,.~ -4- The preceding instrument consisting of this and four (4) other typewritten pages, each identified by the signature of the Testator, JOSEPH SISTO, was on 1:his day and the date thereof signed, published, and declared by JOSEPH SISTO, the Testator therein named, as and for his Last Will, in the presence of us, who at his request, in his presence, ar~d in the presence of each other have subscribed our names as witnesses. /~ ~~~G~ ""~M ~ ~-- I -5- COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS: 7`t orhaa Q . u 2!' ,and K ~rfiarcl ~ . ~o~»e ~~ We, ~P the witnesses whose names are signed to the attached or foregoing instrument, being duly qualified according to law, do depose and say that we were present and saw JOSEPH SISTO, sign and execute the instrument as his Last Will; that he signed willir.~gly and that he executed it as his free and voluntary act for the purposes therein expressed; that f;ach 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 that time eighteen or more years of age, of sound mind and under no constraint or undue influence. ~ti ~~~ Sworn or affirmed to and subscribed to before me b and ~'c~iarc~I ~ . ~onne~~ ,witnesses, this is 7T,amQs ,4. ~aP~ei' Y day of ~t/ovemh¢!' 2008. Ndtarv~ublic B~TI4RE~+L SEAL GLORIA 7. C(~>~13~MI~i, ldufiary Public Gump Hill , ~~x~" ~~~~~-~ ~~unty My Comc~i~;~n ~a€~c ~~~~ 21, ~i1~.1