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HomeMy WebLinkAbout07-29-11 (2)1505610105 EX (02-11) (FI} 1; OFFICIAL USE ONLY REV- ~ ~ OO ennsylvania County Cade Year File Number PA Department of Revenue P,,,~,;TN,,,,,,,,,;,,.„~~ ~~ Bureau of Individual Taxes INHERITANCE TAX RETURN (~ ' / rj PO BOX 280601 RESIDENT DECEDENT p~ (,~ Harrisbur , PA 17128-0601 ENTER DECEDENT INFORMATION BELOW MMDDYYYY Date of Birth MMDDYYYY Social Security Number Date of Death 07/17/2010 11 /29/1926 180-22-5323 MI Suffix Decedent's First Name Decedent's Last Name ~ CHARLOTTE RAMAGE (If Applicable) Enter Surviving Spouse's Information Below Suffix Spouse's First Name MI Spouse's Last Name Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW O 3. Remainder Return (Date of Death ~ 1. Original Return O 2. Supplemental Return prior to 12-13-82) O 4a. Future Interest Compromise (date of O 5. Federal Estate Tax Return Required O 4. Limited Estate death after 12-12-82) Total Number of Safe Deposit Boxes 8 +~ 6. Decedent Died Testate O 7. Decedent Maintained a Living Trust (Attach Copy of Trust.) . (Attach Copy of Will) ation Proceeds Received O Liti 9 10. Spousal Poverty Credit (Date of Death 95 O '11. Election to Tax under Sec. 9113(A (Attach Schedule O) g O . ) Between 12-31-91 and 1-1- CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX ~aQRmeTTe ephone NumbeECTED TO: Name (215) 258-2889 ROBERT RAMAGE ~`~' First Line of Address 208 DORCHESTER DRIVE Second Line of Address City or Post Office SELLERSVILLE Correspondent's a-mail address: rama 2208 mSn.COm Under penalties of perjury, I declare that I have ee areeother thaun the persogal representatge Is based on alit ntfonnaton otlwhich prapa err has any knowledge lief, it is true, correct and complete. Declaration ~f p p DATE ci[,NAT~l1RE OF PER~N RESPONSIBLE FOR FILING RETl~1~RN ~~ .~ ~ / ~ , State ZIP Code PA .18960 REGISTER O ~S USE ONLYY`- ~ ' 1 ~. ~,1 ~. ~ ,.- . ~ f'r...I ~ J ~ r i~ C.f> :..C7 ~J " ~' m n~ , ,~ r ~~ .. -= ~ ~ , , f ~ ~ ` ' ~:'7 rrC~ ~ ~~ ~~ ~ ~ y ~: ~ Dp~ FILED t./7 ~ ~, -'r1 ADDRESS 208 DORCHESTER DRIVE, SELLERSVILLE, PA. 18960-2893 DATE SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE ADDRESS PLEASE USE ORIGINAL FORM ONLY L 150561015 Side 1 1505610105 J 1505610205 REV-1500 EX (FI) Decedent's Social Security Number 180-22-5323 Decedent's Name: CHARLOTTE J. RAMAGE RECAPITULATION 117,519.00 ...... . 1. ....... 1. Real Estate (Schedule A) ............................... 109 920.00 ........................... 2. Stocks and Bonds (Schedule B) .. • • .. ~ • • . 2 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) .... 3. • . .. 4. Mortgages and Notes Receivable (Schedule D) ....................... . . 4. 1,908.00 Bank Deposits and Miscellaneous Personal Property (Schedule E)...... Cash 5 5. . .. , . 45,008.00 Jointly Owned Property (Schedule F} O Separate Billing Requested ...... 6 . 6. . 7. Inter-Vivos Transfers & Miscellaneous Noon-PS paraterBiing Requested....... . 7• (Schedule G) 274,355.00 ........... 8. Total Gross Assets (total Lines 1 through 7} .............. • • .. 8. 3,643.00 ........... Funeral Expenses and Administrative Costs (Schedule H) ..... . 9 .. 9. . 105.00 10. Debts of Decedent, Mortgage Liabilities and Liens (Schedule I} ............. .. 10. 3,748.00 ........................ Total Deductions (total Lines 9 and 10) .... • 11 .. 11. . 270,607.00 .......... Net Value of Estate (Line 8 minus Line 11) ............. • .. • • 12 ..12. - - . Charitab{e and Governmental Bequests/Sec 9113 Trusts for which 13 13. . an election to tax has not been made (Schedule J) ........... . 270,607.00 .......... 14. Net Value Subject to Tax (Line 12 minus Line 13) ... • • ~ ~ ~ • • • ...14. TAX CALCULATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 15. 16. Amount of Line 14 taxable 16. at lineal rate X .0 - 472.84 32 17. Amount of Line 14 taxable 270,607.00 17. , at sibling rate X .12 18. Amount of Line 14 taxable 18 at collateral rate X .15 0.00 ........ ....19. 19. TAX DUE ............................................ . 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Side 2 1505610205 1505610205 File Number REV-1500 EX (FI) Page 3 Decedent's Complete Address: DECEDENT'S NAME CHARLOTTE J. RAMAGE STREET ADDRESS 482 BRIGHTON PLACE STATE ZIP ciTY pA 18960 MECHANICSBURG Tax Payments and Credits: (1} 32,472.84 1. Tax Due (Page 2, Line 19) 2. Credits(Payments 337,500.00 A. Prior Payments 1,623.64 B. Discount Total Credits (A+ B) (2} 35,373.64 3. Interest (3) ____ 0.00 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. (4} 2,900.80 Fill in oval on Page 2, Line 20 to request a refund. (5} ^ 0.00 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. Make check payable to: REGISTER OF WILLS, AGENT. WING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS PLEASE ANSWER THE FOLLO Yes No 1. Did decedent make a transfer and: a. retain the use or income of the property transferred ............... b. retain the right to designate who shall use the property transferred or its income ............................................ ~ . c. retain a reversionary interest .................................................................................................... d. receive the promise for life of either payments, benefits or care? ...................................................................... 2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death ^ without receiving adequate considerapoy? ......•p•••~•~~~~••~••••••••~•~ • . Y ;r death? .............. ^ 3. Did decedent own an "in trust for" or a able-u on-death bank accaunt or securlt at his or hf 4. Did decedent own an individual retirement account, annuity or other non-probate property, which . contains a beneficiary designation? ............................•••.••.••.•.••••••~•• ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. IF THE ANSWER TO rafter Jul 1, 1994, and before Jan. 1, 1995, the tax rate imposed an the net value o1` transfers to or for the use of the surviving spouse For dates of death ono Y is 3 percent [72 P.S. §9116 (a) (1.1} (i}~. es of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent For dat 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 an [72 § ( ) filing a tax return are still applicable even if the surviving spouse is the only beneflaary. 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)]. he tax rate im osed 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(a)(1)]. • T p A slbtm Is defined, The tax rate imposed on the net value of transfers to or for the use of the d w th thtesdelbeldent, hetphercbytblood or adoptio(n)(1.3)]. g under Section 9102, as an individual who has at least one parent In common 1 REV-? 5i;2 EX+ (,11-0~} ~ ennsytvania SCHEDULE A DEPARTMENT OF REVENUE p REAL ESTATE INHERITANCE TAX RETURN RESIDENT DECEDENT FILE NUMBER ESTATE OF 21-10-0756 CHARLOTTE J. RAMAGE d solel or as a tenant in common must be reported at fair maorbet oraseell, both hav ng relasonablelknowledge ofJtheare evlantpacps. y All real property owns Y would be exchanged between a willing buyer and a willing seller, neither being compelle Y Real property that is jointly-owned with right of survivorship must beodasclosed on Schedule F. of the settlement sheet if the property has been s VALUE AT DATE Attach a copy of the deed showing decedent`s interest if owned as tenant in common, OF DEATH ITEM Include a copy NUMBER DESCRIPTION 139,900.00 1 • Home at 482 Brighton Place,Mechanicsburg,Pa. Settlement Statement (Exhibit I) -14,732.00 2. Settlement Costs (Exhibit II) 3, Expenses incurred from 711712010 to 7/18/2011 necessary to maintain, replace appliances, -7,649.00 or repair property (Exhibit III) 117,519.00 TOTAL (Also enter on Line 1, Recapitulation.) $ If more space is needed, insert additional sheets of the same size. REV-1503 EX+ (6-98~ ~ COM NO ER TANCEOTAX RETURNANIA RESIDENT DECEDENT ESTATE OF CHARLOTTE J. RAMAGE SCHEDULE B STOCKS & BONDS .---~__-~ .,., Ghnr~nla F- FILE NUMBER 21-0-07561 REV-15o8 EX+ (11-10) pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN rr.ir nC!'Ff1FNT SCNEDI~ILE E CASH, BANK DEPOSITS & MISC. PERSONAL PROPERTY ~~~..-~••• --- - FILE NUMBER: ESTATE OF: 21-10-0756 CHARLOTTE J. RAMAGE r..,-i~ ~aa rha nr~rPeds of liti4ation and the date the proceeds were j eceived~by tf~rhpdule F. Lt nwic ~Na~c. ~~ ........__, --- REV-i5og EX+ (oi-io) ~ pennsylvania DEPARTMENT OF REVENUE NHERITANCE TAX RETURN SCHEDULE F )OINTLY-OWNED PROPERTY I - RESIDENT DECEDENT FILE NUMBER: ESTATE OF: 21-10-0756 CHARLOTTE J. RAMAGE asset became jointly owned within one year of the decedent's date of death, it must be reported on TSIONSHIP TO DECEDENT If an RELA ADDRESS SURVIVING JOINT TENANT(S) NAME(S) Brother A• ROBERT RAMAGE 208 Dorchester Drive, Sellersville, Pa. 18960-2893 B. C. JOINTLY OWNED PROPERTY: Rio of DATE OF DEATH E OF LETTER DATE DESCRIPTION OF PROPERTY NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR TATE DATE OF DEATH VALUE OF ASSET DECEDENT'S INTEREST VALU DECEDENT'S INTEREST ITEM NUMBER FOR JOINT TENANT MADE JOINT . INCLUDE IDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY HELD REAL ES 00 5 957 50 2'978.00 Account # 1681709007, Sovereign Bank t , . 1 • A. 11109100 , Checking Accoun 047.00 4 50 2,024.00 A 07121198 Prime Money Market, Acct. # 9920883492,Vanguard Group , 2. 20,000.00 50 10,000.00 3 A 04113110 *More Bank-Cd# 30009721 . 10,000.00 50 5,000.00 A 04106110 *More Bank-CD# 30009532 20,000.00 50 10,000.00 A 09105109 '`National Penn Bank-CD# 3000027613 4. 20,013.00 50 10,006.00 A 10105109 * National Penn Bank-CD#-3000276134 10,000.00 50 5,000.00 5. A 02126109 1ST Niagra Bank-CD#-7001511625 *See Exhibit IV for Source of Funds 45,008.00 TOTAL (Also enter on Line 6, Recapitulation) $ If more space is needed, use additional sheets of paper of the same size. REV-1511 EX+ ' 1C1-09} pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN ~~crncnrr nFr'F~FNT SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS •~----- FILE NUMBER ESTATE OF 21-10-0756 CHARLOTTE J. RAMAGE Decedent's debts must be reported on Schedule I. ITEM DESCRIPTION NUMBER A• FUNERAL EXPENSES: 1~ Funeral Director,Parthemore Funeral Home 1303 Bridgestreet P.O.Box431 New Cumberland, Pa.1700 2. Mount Carmel Cemetery Co., Mount Carmel, Pa. (Opening of Grave) 3. Fantini Monuments.,16 E. 7th St. Mount Carmel, Pa. 17851 (Engraving of Tombstone) a. Fredricks flowers, Bethlehem Pike, Souderton, Pa. (Flowers) g, I ADMINISTRATIVE COSTS: nMnl IAIT 2,320.00 400.00 80.00 19.00 1• Personal Representative Commissions: Names} of Persona! Representative(s) Street Address _ State ZIP City Years} Commission Paid: 2. Attorney Fees: 3, Family Exemption: (If decedent's address is not the same as claimant`s, attach explanation.) Claimant Street Atldress __ State ZIP City Relationship of Claimant to Decedent __ 4, Probate Fees: 5, Accountant Fees: 6. Tax Return Preparer Fees: ~. Appraisal-Property Michael Hednnigan Appraisals, 400 Beacon Hill Rd., New Cumberland, Pa. 17070 s. Mailings,transportation & Photocopying TOTAL (Also enter on Line 9, Recapitulation) $ 0.00 394.00 0.00 0.00 350.00 80.00 3,643.00 If more space is needed, use additional sheets of paper of the same size. REV-1512 EX+ s;l'-OF; pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN _ __ cr~chC~IT ttCJi v~.~. ~ ..~...--- ESTATE OF -_ ~.rrr ~ nn~AArG SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES & LIENS FILE NUMBER 21-10-0756 __ .. .,_ .__~..a:..,, ~~hrpimhursed medical expenses. • ` ` REV-1513 EX+ l01-10} ennsylvania SCHEDULE DEPARTMENT OF REVENUE p BENEFICIARIES INHERITANCE TAX RETURN _ ___ r.cr~cnCIJT - n~aav~... ..__--- ESTATE OF: CHARLOTTE J. RAMAGE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY I TAXABLE DISTRIBUTIONS [IncluSec. 9116t(a) (ls2) jistributions and transfers under 1. John Ramage, 335 Date St., Warminster, Pa. 18974 2. Herbert F. Ramage, 1831 Miller Rd. Extended, Dauphin, Pa. 17018-9459 3. Eleanor J. Yocum, 705 Linwood St., New Cumberland, Pa. 17070-9459 4. Robert Ramage, 208 Dorchester Drive, Sellersville, Pa. 18960-2893 5, James A. Ramage, 28 Round Ridge Rd., Mechanicsburg,Pa.17055-9200 6. Mary Angeli, C~0 36 Lauren Lane, Halifax, Pa. 17032-9652 *Eleanor's,Robert's,James', and Mary's share of the inheritance will be calculated after the $300 is disbursed to JOHN & HERBERT. II RELATIONSHIP TO DECEDENT Do Not List Trustee(s) Brother Brother Sister Brother Brother it Sister OLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET, AS APPROPRIATE. ENTER D NON-TAXABLE DISTRIBUTIONS A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. $150 150 45% 45% 5% TnTeL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. I$ FILE NUMBER: 21-10-0756 AMOUNT OR SHARE OF ESTATE If more space is needed, use additional sheets or paper or uie ~a~~~~ ~~~~~ r ~ i- ~~/J ~ ~t ~ QY ~ t.~ YICI,~' D ` ~° ~ OMB Approval No. 2502-0265 aTA,W,RNr ~yO~ ~ QW ~. tP ~ ~ * ~ p. Settlement Statement (HUD-1 9'F~ ~4 8. Mortgage Insurance Case Number: ogatN os J~,O Type of Loan g, File Number: 7. Loan Number: • 1233001977 FHA 2. ^ RHS 3. ^X Conv. Unins. EW092-11 VA 5. ^Conv. Ins. rnished to give you a statement of actualtse ttlement costs. Amounts paid to and by the settlement agen ofrl e o are shown here for informational purposes and are not included Indee totals. Note: This form is fu F. Name and Address !tams marked "(P•o.c.)" were paid outside the closing, Y E. Name and Address of Seller: Name and Address of Borrower: AGE GATEWAY FUNDING DIVERSIFIED TRICE R. EWOLDT 6 112 JACKSON STREET _LLA,IA 50219 Property Location: 32 BRIGHTON PLACE ECHANICSBURG, PA 17055 JMBERLAND County, Pennsylvania ESTATE OF CHARLOTTE J• RAM 482 BRIGHTON PLACE MECHANICSBURG, PA 17055 25-1619811 H. Settlement Agent: TRI-COUNTY ABSTRACT SERVICE 48 CENTRAL BLVD. CAMP HILL, PA 17011 Place of Settlement: 48 CENTRAL BLVD. CAMP HILL, PA 17011 RummarY Of MORTGAGE SERVICES, L.P. 300 WELSH ROAD BUILDING 5 HORSHAM, PA 19044 I I. Settlement Date: July 18, 2011 ph. (717)761-88'70 _._.---- rr's transaction le to Seller: - ~ sl i. SEWER 07118/11 to 10101111 I . t. 0. Gross Amount Due to Seller 3. 142,1 602. Less reductions due 5ener une ;+~~ 125,187.98 603. Cash X^ To ^ From Seller ;ment & any attachments referred to herein >c undersigned hereby acknowledge receipt of a cv,,,r,.-•.. LJ~''/ Seller ESTATE OF CHARLOTTE J. RAMAGE -' ~ ~ ,. Borrower ~`'~ PATRICE R. EWOLD BY: OF THE F D ~ THE BEST OF MY KNOWLEDGE, THE HUD- ~L'LfTLEMENT STATEMENT WHICH 1 HAVE PREPARED IS A T E AND ACCURATE BE DISBURSED BY THE UNDERSIGNED AS PART OFT S CEMENT OF THIS TRA SA N iICH WERE RECEIVED AND HAVE BEEN OR ETTLEMENT AGENT, Settlement Agent N OWINGLY MAKE FALSE STATEMENTS 18 USECODE SECTAONS 001 &HSECOTON 10110.ILAR FORM. PENALTIES UPON CONY >,RNING: IT IS A CRIME TO KN N INCLUDE A FINE AND IMPRISONMENT. FOR DETAILS SEE: TITLE r response for collecting. reviewing, and reporting the data. This agency may not collect this information, and you are not require o collection of inlomtalion is estimated at 35minutes pe This is designed to provide the parties to a RESPA covered transaction with inlomtation public Reporting aurden for ttxs HUD-1 seta this form, unless It displays a currengy valid OMB control number. No confidenllality Is assured; this disclosure Is mends ory. l the settlement process. page 1 Of 3 (EW092-11.PFD/EW092-11 /15 t ' t Paid From Peid From Charges $ 8,394.00 #lement 9 senors Borrowers Funds at Funds at 700. Total Real Estate Broker Fees n of commission (line 700) as follows: i Settlement Settlement 8 394.00 0 o Divis 701. 4 197.00 to ERA-NRT L LC KELLER WILLIAMS KEYSTONE 195.0 00 185 702 4 187 00 to 703. Commission aid at settlement to ERq-NRT LLC ER WILLIAMS KEYSTONE KERAGE COMMISSION . to KELL 704. AppITIONAL BRO '705. BROKER FEE $ 1,280.00 s Pa able in Connection with Loan from GFE #1 (from GFE #2) ~ ~~ 1 290.00 $ 800. Item 801. Our on ination char a Dints) for the specific interest rate chosen credit or charge (p from GFE #A om GFE # C 350.00 BUYE f , 85 ~ ~~~` 15 802. Your PRAISAL SERVICE, INC• 803. Your adjusted origination charges MANAGED t r from GFE #3 . 85.00 ' ' tAS o aisal fee 804. A r to CREDITPL GATEWAY FUNDING DIVERSIFIED MORTc Credit Re ort 805 (from GFE #3) (from GFE #3) 10 00 , r 225 00 `" . to 806. Tax service to CORELOGIC FLOOD SERVICES ANAGED APPRAISAL SERVICE, INC. Flood certificatio 807 (from GFE #3) (from G . SPECTI~ to M APPRAISER IN 808 FE #3) (from . 808 (from GFE #3) 810. 248.50 .~~ << 811. dvp8101111 14 @ $17.7503401day Items Re uired b Lender to Be Paid in A 900 from GFE #10) (from GFE #3 '. 362 00 ~` o . 07/18111 901. Daily interest charges from months to STATE FARM INSURANCE COMPANY rt a e insurance remium f 1 t M from GFE #11 from GFE #11' o o 802. .0 ears 903. omeowner's insurance for (from GFE #11) 904. ' 454.12 905. Reserves De osited with Lender 1000 (from GFE #9) 90.5 ~~ ~ . p, per mont our escrow account mon s 1001. Initial deposit for y p month $ ~ . 74.20 er omeowne s insurance p,p00 months $ $ 1003. Mort a e insurance Pef month 1004. Property taxes months @ $ er month City/Town Taxes months $ $ Assessments @ $ 48'22 Per h $ 289,32 s 1005. gXES 6.000 mont month 148.65 per COUNTYROWNSHIP T months @ $ 1006 297.30 $ . 2.000 1007. SCHOOL TAXES $ $ -223.01 1008. 1009. AGGREGATE ESCROW ADJUSTMEi (from 1100. Title Char es $ 1101. Title services and lender's title insurance from 1102. Settlement or closin fee $ Owner's title insurance to FIRST AMERIICAN T TLEIINSURANCE CO. 1103. 1104. Lender's title insurance to FIRST AME $ 132 800.00 1105. Lender's title olic limit $ 139,900.00 1106. Owner's title olic limiotal title insurance remium to TRI-COUNTY~A RIC~` T~TLERNSUE 1107. A ent's onion of the t 8. Underwriter's onion of the total title insuranc CASHium to FIRST 110 to 1109. NOTARY FEES to TRI-COUNTY ABSTRACT SERVICE 1110. DEED PREP__.^~,T ono TAX CERT to TRI-COUNTY ABSTRACT SERVICE ~-i -J. and Transfer Charges 1200. Government Recording RECORDER OF DEEDS from GFE #7 Other $ to 1201. Government recordin char es 92.00 Releases $ Mortgage $ (from GFE #8) 62.00 1202. Deed $ to RECORDER OF DEEDS $ 1203. Transfer taxes $ 1,398.00 $ 1204. CitylCounty taxlstamps $ 1 399,00 1205. State tax/stain s 1206. 1207. Additional Settlement Char es 1300 from GFE #6 . 1301. Re uired services that ou can sho for to UPPER ALLEN TOWNSHIP AMERICAN HOME SHIELD EWER APRIL - SEPT 2441394 BILL #k48C to 1302. S to DENNIS ZERBE, TAX COLLECTOR 1303. HOME WS C 00 TAXES 1304. 2011 12 J and 502; Section K MBURSEMENT FOR RE-SALE CEn O o Sect on 1305. RE-I 103 es Total Settlement Char es enter on Ir thi ree pa 1400 to ent. . coin toted copy of page 2 & 3 of e receipt of a p ning page 1 of this statement, the signatories acknowledg i UU ~ NT CattlPmPnt Anent g By s CGTTI ItAFNT L1r;F 154.00 1,399.00 1,3` .. ~. Comparison of Good Faith Estimate (GFE) and HUD-1 Charge Charges That Cannot Increase Our origination charge Your credit or charge (points) for the specific interest rate chosen Your adjusted origination charges Transfer taxes Charges That in Total Cannot Increase More than 10% Government recording charges Appraisal fee Credit report Tax service Flood certification APPRAISER INSPECTION FEE Title services and lender's title insurance Owner's title insurance to FIRST AMERICAN TITLE INSURANC HUD-1 Line Number # 801 # 802 # 803 #1203 #1201 # 804 # 805 # 806 # 807 # 808 #1101 #1103 Good Faith Estimate 1,290.00 1,290.00 ~ 2,798.00 Good Faith Estimate 165.00 425.00 95.00 95.00 10.00 350.00 1,598.75 Total 2,738.7 -500.65 or Increase between GFE and HUD-1 Charges $ Good Faith Estimate 2,398.37 Charges That Can Change #1001 Initial deposit for your escrow account ~ 17.750340/day 248.50 # 901 200.00 Daily interest charges # g03 Homeowner's insurance Loan Terms Your initial loan amount is Your loan term is Your initial interest rate is Your initial monthly amount owed for principal, interest and any mortgage insurance is Can your interest rate rise? Even if you make payments on time, can your loan balance rise? Even if you make payments on time, can your moe misurance rise? ~ amount owed for principal, interest, and mortgag Does your loan have a prepayment penalty? Does your loan have a balloon payment? $ 132,900.00 30 years 4.8750 $ 777.52 includes Q Principal Interest Q Mortgage Insurance HUD-1 1.290.00 1,399.00 HUD-1 154.00 350.00 15.85 95.00 10.00 225.00 1,353.25 35.00 2,238.10 -18.28 HUD-1 454.12 248.50 362.00 %. The first ^X No ^ Yes, it can rise to a maximum of _.__. months after change will be on _. and can change again every ._.._ . Every change date, your interest rate can increase or decrease b %. Over the life of the loan, your interest rate is guaranteed y % or higher than %• to never be lower than [X] No ^ Yes, it can rise to a maximum of $~- ^ .and the monthly [X] No Yes, the first increase can be on _..,_______ amount owed can rise to $ The maximum it can ever rise to is $ ^ Yes, your maximum prepayment penalty is $ ^X No [] No ^ Yes, you have a balloon payment of $______..--- due in __._ years on _ nt a ments ^ You do not have a monthly escrow payment for items, such as property taxes and homeowner's insurance. You must pay these items directly Total monthly amount owed including escrow accou p Y yourself. 0 You have an additional monthly escrow payment of $227.04 that results in a total initial monthly o~t ante assurance and any terns checked below: principal, interest, any m g 9 ^ Property taxes ^X Homeowner's insurance ^ Flood insurance ^X COUNTY TAXES ^X SCHOOL TAXES ^ n uestions about the Settlement Charges and Loan Terms listed on this form, please contact your lender. Note: If you have a y q (• t ~ • ~ ~ ~~ HUD-1 Attachment Borrower(s): PATRICE R. EWOLDT Seller(s): ESTATE OF CHARLOTTE J. RAMAGE 316 1/2 JACKSON STREET 482 BRIGHTON PLACE PELLA, IA 50219 MECHANICSBURG, PA 17055 Lender: GATEWAY FUNDING DIVERSIFIED MORTGAGE SERVICES, L.P. Settlement Agent: TRI-COUNTY ABSTRACT SERVICE (717)761-8870 Place of Settlement: 48 CENTRAL BLVD. CAMP HILL, PA 17011 Settlement Date: July 18, 2011 Property Location: 482 BRIGHTON PLACE MECHANICSBURG, PA 17055 CUMBERLAND County, Pennsylvania Additional Adjustments For Items Paid By Seller In Advance (Borrower Debit) Descri tion Amount FromlThrou h Prorated Amount SEWER 112.00 07/01/11 through 09/30/11 91.30 Total Line 1091409 91.30 JULY DUES 132.00 07/01/11. through 07/31/11 59.61 Total Line 110!414 59.61 Adjusted Origination Charge Details Origination Charge 395.00 PROCESSING FEE to GATEWAY FUNDING DIVERSIFIED MORTGAGE SERVICES, L.P 100.00 WAREHOUSE FEE to GATEWAY FUNDING DIVERSIFIED MORTGAGE SERVICES, L.P UNDERWRITING FEE 795.00 to GATEWAY FUNDING DIVERSIFIED MORTGAGE SERVICES, L.P Total $ 1,290.00 Origination CreditlCharge (points) for the specific interest rate chosen Total $ Adjusted Origination Charges $ 1,290.00 Reserves Deposited with Lender 90.51 Homeowner's Insurance 3.000 at 30.17 per month COUNTY/TOWNSHIPTRXES 6.000 at 48.22 per month SCHOOL TAXES 2.000 at148.65 per month AGGREGATE ESCROW ADJUSTMENT month Title Services and Lender's Title Insurance Details 289.32 297.30 -223.01 Total $ 454.12 BORROWER SELLER .t ` ~ HUD-1 Attachment - Continued _ 14.50 OVERNIGHT FEES to TRI-COUNTY ABSTRACT SERVICE ~ 15.00 NOTARY FEES to CASH 100 300 8.1 CONDO 1,223.75 Lender's title insurance to FIRST AMERICAN TITLE INSURANCE CO. 1,353.25 $ 0.00 Total $ - BORROWER SELLER Owner's Title Insurance 35.00 Owner's Policy Premium to FIRST AMERICAN TITLE INSURANCE CO. $ 35.00 $ 0.00 Total BORROWER SELLER Lender's Title Insurance *fees also shown above in Title Services and Lender's Title Insurance Details 1,023.75 Lender's Policy Premium to FIRST AMERICAN TITLE INSURANCE CO. 200.00 Lender's Endorsement Charges Endorsement Charge Endorsement 50.00 ALTA Endorsement Form 4 (Condominium) ALTA Endorsement Form 8.1 (Environmental Protection Lien) 50.00 ALTA Endorsement Form 9 (Restrictions, Encroachments, Min.) 50.00 PA ENDORSEMENT 300 MTG. SURVEY EXCEPTION 0.00 Total $ 1,223.75 $ EXHIBIT II ESTATE OF CHARLOTTE J. RAMAGE FILE # 21-10-0756 REAL ESTATE -SCHEDULE A Selling Price Settlement Expenses $ 139,900 $8'394 Commission 195 Additional Commission 10 Notary Fees 125 Deed Preparation 10 Reimbursement for Tax Certificate Tax Certificate 90 (265) City/Town Tax 89 School Taxes (1910-1821) 395 Home Warranty 1 399 City County Tax Stamps , 21 Sewer (112-91) 72 Association Dues (132-60) 14,732 197 4 Closing Cost Assistance __` _____. , Sub-Total $ 125,168_ Expenses Incurred from 7/10/10 to 7/18/11 to to maintain, replace appliances, or repair property at 482 Brighton Place, Mechanicsburg, Pa. 17055 REAL ESTATE VALUE EXHIBIT III ~ $ 7,649 $~ 117,519 EXHIBIT III Page 1OF 2 ESTATE OF CHARLOTTE J. RAMAGE FILE # 21-10-0706 REAL ESTATE -SCHEDULE A 10 UNTIL 7/18/11 to EXPENSES incurred from 7 es0or repair property at maintain, replace applianc , 482 Brighton Place, Mechanicsburg, Pa. 17055 WATER BILLS United Water. 8189 Adams Drive Hummelstown, P. 17036 717-564-3662 SEWER BILLS. Upper Allen Twp. 100 Gettysburg Pike Mechanicsburg, Pa. 17055 717-766-0756 ELECTIC SERVICE PPL Electric Utilities 827 Hausman Road Allentown, pa. 18104-9392 800-342-5775 BRIGHTON PLACE. ASSOCIATION DUES Brighton Place C/0 Penn Equity P.O. Box 223 Hummelstown, Pa. 17036 717-566-8550 Tnx CITY/COUNTY, SCHOOL UPPER Allen Collector #325 275 Cumberland Parkway Mechanicsburg, Pa. 17055 717-766-4238 $ 141 $ 448 $ 1,116 $ 1,584 $ 2,283 EXHIBIT III Page 2 of 2 PAIRS & NEW APPLIANCES CF ACRI & Son Inc. 3601N. Sixth Street (Rear) Harrisburg, Pa. 17110 717-234-1675 1. Check & Service Heat Pump $ 68 2. Replace heat pump blower motor 417 3. Replace Water Heater 806 Tru- Value Home Depot & 1im Abbritt 1. Supplies to Replace Garbage Disposal $ 203 DISH WASHER 1. Mumma's Appliances 3820 Trindle Road Camp Hill, Pa. 17011 717-761-4596 $ 583 TOTAL $ 7,649 -~. EXHIBIT IV ESTATE OF CHARLOTTE J. RAMAGE FILE # 21-10-0756 SUPPORT FOR SCHEDULE F The amounts used to fund the Bank Certificate of Deposits shown on Schedule F that were opened within the past year that were all obtained from other joint accounts. The previous account were opened anywhere from 2006 to 2009 as shown below. ANK MORE BANK CD # 30009532 CD# 30009721 DATE OPENED __SOURCE OF FU_ NDS. NATIONAL PENN BANK CD# 3000276131 CD# 3000276134 4/6/2010 CDs # 0260014964 & 26003024 4/13/2010 from Hatboro Federal Savings opened 4/3/07 ~& 4/13/06 10/5/2009 CDs # 91000095294759 & 91000095290504 at Bank of 10/5/2009 America and CD# 247402053637349 opened 1/26/2009 & 10/14/2008 and Wachovia Bank apened 7/25/20085 ..- °~- L X ~ ~ ~ e REGISTER OF WILLS CUMBERLAND COUNTY PENNSYLVANIA CERTIE1CATt OE GRANT OF LETTERS No. 200- 00756 PA No. 27- ~U- v/56 Estate Of : CHARLOTTE J RAMAGE (First, Middle, Last1 Late Of : CUMBE LAND CDUNTYIP Deceased Social Securi ty No : 780-22-5323 WHEREAS, on the 27th day of July 2010 an instrument dated September 15th 2008 was admitted to probate as the _l.ast will of CHARLOTTE J RAMAGE (First, Midd/e, Last) late of UPPER ALLEN TOWNSH/P, CUMBERLAND County, who died on the 17th day of July 2 010 and, WHEREAS, a true copy of the will as probated is annexed hereto. THEREFORE, I , GLENDA EARNER STRASBAUGH Register of Wi 11 s in and for CUMBERLAND County, in the Commonwealth of Pennsylvania, hereby certify that I have this day granted Letters TESTAMENTARY to: ROBERT RAMAGE who has duly qualified as EXECUTOR(R/X) and has agreed to administer the estate according to law, all of which fully appears of record in my office at CUMBERLAND COUNTY COURT HOUSE, CA RL lSL E, PENNS YL VA NlA . IN TESTIMONY WHEREOF, I have hereunto set my hG~nd and affixed the seal of my office on the 27th day of July 2070. Regls er of Wills { i~._. Deputy * *NOTE* * ALL NAMES ABOVE APPEAR (FIRST, MIDDLE, LAST) .., LAST WILL AND TESTAMENT ~o ~ ~-7~ .::. .~ . OF ~-~ ~° ^ry r._ ~.)`1 j` ~.._. CHARLOTTE J. RAMAGE ~ ; I _ ~ _:. -.__. "t.. ~ U I CHARLOTTE J. R.AMAGE, unmarried, of 482 Brighton erstandin , ~~reby d~clare~ ~~~: z- ~•: erns lvania, being of sound and disposing mind, memory and ands and codg is previously P y this as and for my Last Will and Testament hereby revoking all w made by me. FI- eral be conducted in a manner corresponding with my estate and tate I direct that my fun that all my just debts and expenses of my last illness be paid from my es situation in life and as soon after my death as conveniently may be done. SECOND estate t an and all Inheritance, Estate and Transfer Taxes imposed uuan estate. I direct the y resid ry er m ;will or oxherwise, shall be paid out of the principal of my passing and y estate as it bath pleased God to entrust .to me, I dispose of the same as AND to such follows, viz: TH_ I give, devise and bequeath as follows: 300.00 Dollars to MARGARET K-AMAGE SOKOL, of 1. Three Hundred ($ • )ed she survives me. Susquehanna, Pennsylvania, proved i $150.00) Dollars to JOHN H. R.AMAGE, of Warminster, 2. One Hundred F fty Pennsylvania, provided he survives me. 150.00 Dollars to HERBERT F. RAMAGE, of Dauphin, 3. One Hundred Fifty ($ ) Pennsylvania, provided he survives me. have redeceased me or has not survived me by thirty (30) If any of the above individuals hall la se into my remainder estate. days I hereby state that there bequests ,t ~ p ~; ~ ~~~.~?~. (SEAL) ~.~,~,~; 1 FOURTH ave been disbursed, the remainder of the estate of After the above specific bequest e both real and personal thereof I give, devise and whatsoever kind and wheresoever srtuat , bequeath as follows: sister, devise and bequeath to my ercent of the estate thereof I give, 1. Five (5% p ur Pennsylvania, provided she survives me. If my 30) MARY RAMAGE ANGELI, of Harrisb g' edecease me or should not survive me by th rty ( sister, MARY RAMAGE ANGELI should pr brother, ROBERT ual shares between my da s I then direct that her share be divide MAGE YOCUM. y sister, ELEANOR RA RAMAGE and my brother, o f the estate thereof I give, devise and bequeath s me If my 2. Five (5 /o) percent o rovided he survive Pennsylvania, p thi 30 AMES A. R-AMAGE, of Mechanicsburg, ase me or should not survive me by ~y ~ ) J MAGE should predece brother, JAMES A• R-~' in a ual shares between my brother, ROBERT da s I then direct that his share be divided AGE YOCUM. y sister, ELEANOR RAM RAMAGE and my ueath to my brother, ° ° ercent of the estate thereof, I devise and b eq me. If my brother, 3. Forty-five (45 /) p lvania, rovided he survi BERT RAMAGE, of Sellersville, Pennsy p thi 30 da s I theEnRT RO ase me or should not survive me by ~' ( ) ive ROB ROBERT RAMAGE should predece SUZANNE ' e DOROTHY J• RAMAGE. If his wife fails GEurv bequeath his share unto his wif , ' share unto his children, ROBERT M• RAMA RA1VIAGE, I then bequeath his ER in equal shares, to share and share alike. MARY RAMAGE TURN e ueath to my sister, I devise and b q -five (45%) percent of the estate thereof, erns lvania, provided she survives me. 4, Forty thi 30 RAMAGE YOCUM, of New Cmnberland,me or should not survive me by ~Y ( ) ELEANOR redecease If m sister, ELEANOR RAMAGE should CHARLES MARTIN YOCUM~ III. y days I then bequeath her share unto her son, FI_E- GE and I die in a common disaster or if it i s f ROBERT R-AMAGE, DOROTHY RAMA re uest that thi I redeceased the other, I hereby q ossible to determine which of the three of h ROBERT RAIvIAGF; and DOROTHY J. imp robated as thoug Last Will and Testament be p RAMAGE predeceased me• ~' ~ ~~ ~.~~'` --(SEAL) ~~ 2 ossible to • on disaster or if it is imp E yOCUM sand I die in a coinm AG hereby request that this Last Will an If ELEANOR two o f us predeceased the other, IyOCUM predeceased me. determine which of the t s though ELEANOR R~,MAGE Testament be probated a SIXTH Last Will ERT gp,MAGE, Executor of t ecu or I then oint ROB ,Killing to act as my ex I nominate, constitute and app ent. f ROBERT IMAGE is unabu~r X of this my Last Will and Testam and Testament. OR IMAGE YOCUM, Exec appoint ELEAN VENTH SE used from posting bond in connection ct that my Executor/Executrix be exc I hereby dire v~~ith his/her duties. GSTH EI law, the power owers granted by trix/Executor, in addition to tho al property and to eXercise all the I confer of my Execu erson p blic or private sale, all real and p ro erty to retain and sell at pu d and to fix the value of p p -- da ~~ y distributions in cash or in kin , m hand this ItEOF, I have hereunto affixed y IN WITNESS WHF 2008. ~', ~, , ~~~ ~~ of (SEAL) . 1 , _ ~, ~,~'~' ~~~ ? CHA~OTTE J . RAM.,AGE 3 her ages, each identified by the onsisting of this and three (3) si ned, published and declare D y The preceding lnstrumerit c and date thereof g was on the day ed as and for her LAST WILL Aesence of signature of the testatM~GE' the testatrix herein n e nest, in her presence and in the p CHA~oTTE' J RA who, at her r q resenCe of us, TESTAMENT in the P ribed our names as "Witnesses here o• each other have subsc WITNESS: 1.~~/y Q _~ y ~s~/ 7 ~r ~ • //// 1~ / , •~ ~ ~ ~,1 f. i f LTH OF PENNSYLVANIA .. COMMONwEA public, the Y OF NORTHUMgE~,AND Notary COST before n1e, a -~: ~~, ,~,~~~ ~ 2008, > of .~~ this, the / ;~ day eared ~ ~~'- . On ersonally app ~~~ ~ ersi ned officer, p ~~ ~ ~/ es are subscribed to the within and g. ~ J/~. r ~~ `'' ~' Ito be the persons whose nam ~ ~ ~ ven he urposes therein contained. •~~ ~ r~ isfactorily pro the same fort P mown to me or sat owledged that they executed instrument, and ackn o set my hand and official seal. TNESS y~'gEREUF' I hereunt G~ .~ otary Public ' P~~~~~~jAN~A COMA©~~~~ ~F al ~otarlal Se public gotzeu1eeki, Notary 3 anet L, ro, Northumberland ~0 0~ i Nit. Carmel BD E ices May 13, ~ ~v Comrniss~on X? 4 v ~ nM~Or1WEALTH OF PENNSYLVANIA ~ ~~ COUNTY OF NORTHUMBERLAND ;A ,~ ~ ~~ r :~ ~ and TTE J . R.AMAGE, ~ ~ ~ 1 We, CHA the testatrix and the witnesses respectively, whose -: ~ sworn-and qualified ~~, ~ f• f ~..~ :~ ~ ~ ~~ b first dul i ed to the attached or foregoing instrument, eing that we wwere present and saw names are s gp in to lav. ' ~ hereby declare to the undersigned aand t at she had signed willingly (or accord g ~t f estatrix sign axlci ,..Xecute the instrument as her wielexecuted it as her free voluntary a.. for the t willingly directed ano;.ne~ to sign for her), an of the witnesses, in the presence and hearing of the the urposes therein expressed, and that each p sofa e or older, of sound mind and under no const da ~~e r testatrix was at that time eighteen yep x do hereby acknowledge that I signed and execute undue influence; and I, the said testa it willingly, and that I signed it as my free and voluntary instrument as my last will, that I signed act for the purposes therein expressed. s ~l ,/ r~~ ~i Sworn and subscribed t before me 2008. this ~-~ F PENNSYLVANIA / i' ,~~, ~ ~~ ary Public COIviMONWEALT:H ~ Notarial Seal Janet L. Korzeniecki, Notary Public Mt. Carmel Boro, .i~orthurnberland County My Commission Expires May 13, 2010 5