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HomeMy WebLinkAbout03-05-12 1505611.185 REV-1500 Ex coz-„> cFn PA Department of Revenue OFFICIAL USE ONLY County Code Ysar File Number Bureau of IndMdual Taxes Po sox zeoeo, INHERITANCE TAX RETURN /~ / ` Harrisburg, PA t~,za-0eo, ~ / ~ / ~ RESIDENT DECEDENT /~/ / ~p ENTER DECEDENT INFORMATION BELOW Social SeCUrfly Number Date Of Death MMDDYYYY Date Of Birth MMDDYYYY 176-34-9020 08312011 09111919 Decedent's Last Name Suffix Decedent's First Name M I EDMUNDS LAURA 0 (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name M I Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE - - REGISTER OF WILLS FILL IN APPROPRIATE BOXES BELOW ® 1. Original Return ^ 2. Supplemental Return ^ 3. Remainder Return (Date of Death Prior to 12-13-82) - ^ 4. Limited Estab ^ 4a. Future Interest Compromise (date of ^ 5. Federal Estate Tax Return Requirod death after 12-12-82) ® 8. Decedent Died Testate ® 7. Decedent Maintained a Living Trust ~. 8. Total Number of Safe Deposit Bolas (Attach Copy of Wim (Attach Copy of Trust) ^ 9 ^ ^ 11 9113 10 S . Litigation Prot~eds Received (A) . Election to Tax under ec. . Spousal Poverty Credft (Date of Death Between 12-31-91 and 1-1-95) (Attach Scheele O) CORRESPONDENT • THIS SECTIDN MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTUIL TAX INFORMATION SHOULD tiE DIRECTED TO: Name Daytime Telephone Number MARK E• HALBRUNER, ESQ• 717-731 00 REGIS USB Y ~7 :>Ey ; r~,~-. I ~ r• ~ First Line of Address ~fr7 C~ ~ ~ ~; 1013 MOMMA RD, STE 100 ~ ~ Second Line of Address ~•~ °~ City or Post Office State ZIP Code ~~ FILED LEMOYNE PA 17043 CornspondeM'se-ma8addrsss: M • HALBRUNERaGATESLAWFIRM • COM Under pen~itfea of perjury, 1 dsclaro that I have fined this rotum, induding accompanying schedules and statement, end to the tx»t of my knaMadge end bsdei. it is true, cottrct and complete. Deelarotion of p'roparor other then the personal ropreaartativs is based on all Information of which proparor has any knowledge. 150561/185 Side 1 OM4847 3.000 1505611185 J -fiev~ 1013 MOMMA ROAD, SUITE 100 LEMOYNE, PA 17043 15D5611285 REV-1500 EX (FI) Decedent's Social Security Number 176-34-9020 Decedent's Nane• EDMUNDS LAURA 0 RECAPITULATION 1. Real Estate (Schedule A) . .. .. .. .. 1. # O • 0 0 2. Stocks and Bonds (Schedule B) ......................... 2. # 0.0 0 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) , 3. # O • O O 4. Mortgages and Notes Receivable (Schedule D) 4, # 0 • 0 0 5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E) 5. # 9 , 916.8 6 8. Jointly Owned Property (Schedule F) ~ Separate Billing Requested g, # 8 9 , O O O.O O 7. Inter-Vivos Transfers 8 Miscellaneous Non-Probate Property (Schedule G) ~ Separate Biiflng Requested ~. # 5 6 , 6 3 9.0 7 8. Total Gross Assets (total Lines 1 through 7) g. #155, 555.93 9. Funeral Expenses and Administrative Coats (Schedule H). .. .. g. # 19 , 17 0 • 2 8 10. Debts of Decedent, Mortgage Liabilities, and Llens (Schedule I) . 10. # 13 , 0 7 8.9 6 11. Total Deductbns (total lines 9 and 10) , 11, # 3 2 , 2 4 9.2 4 12, Net Value of Estate (Line 8 minus Line 11) , , , , , , , , , , , , , , , , , 14, # 12 3 , 3 0 6.6 9 1'3. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made (Schedule J) , , 13, # O • 0 0 14. Nat Value 8ubJact to Tax (Line 12 minus Line 13) . 14. # 12 3 , 3 0 6.6 9 TAX CALCULATION - 8EE INSTRUCTION8 FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers unn~~ Sec. 9118 (a)(1.2)x.ol~ #0.00 15. #0.00 18. Amount of line 14 xable 4~ at lineal ratex.o #123, 306.70 18. #5, 548.80 17. Amount of Line 14 taxable at sibling rate X .12 * D • D D 17 # D • D 0 18. Amount of Line 14 taxable st collateral rate X .15 $ O • 0 0 18. # 0 • 0 0 19. TAX DUE ....... .. .. ........... ............. 19. 20. FILL IN THE BOX IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Side 2 1505611285 b505611285 OM4848 3.000 #5,548.80 J REV-1500 EX (FI) Pew 3 File Numbsr Tax Payments and Credits: 1. Tax Due (Pape 2, Line 19) 2. Credits/Payments A. Prior Payments ~ 5 , 5 0 0.0 0 g. Discount # 2 8 9.4 7 3. Interest (1) #5, 548.80 Total Credits (A + g) (z) ~ 5 , 7 8 9.4 7 (3> #0.00 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Fill in box on Page 2, Line 20 to request a refund. (4) * 2 4 0 • 6 7 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) * 0 • 0 0 Make check payable to: REGISTER OF WILLS, AGENT. PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or Income of the property transferred ........ ....... ......... X b. retain the right to designate who shall use the property transferred or its income ...... ... . c. retain a reversionary interest ....... .. .. . d. recehre 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 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 properly, which contains a beneficiary designation? ...... .................... ..... .. ® ^ IF THE AN8WER TO ANY OF THE ABOVE QUEBTIONB IS YES, YOU MUBT COMPLETE 8CHEDULE G AND FLE ry A8 PART OF THE RETURN. Far dates of death on or after July 1, 1994, and before Jan. 1, 1995, the tax rate imposed on the net value of trusters to or for the use of the survlving spouse is 3 percent [72 P.S. §8118 (a) (1.1) (i)]. For dates 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 [72 P.S.§9118 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for discbaure 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 Juy 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. §9118(a)(1.2)]. • The tax rate imposed orr the net value of transfers to or fa' the use of the decedent's lineal benefk:iaries is 4.5 perceent, except as noted in [72 P.S. §9118(a)(1)]. • The tax rats imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent (72 P.S. §9118(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. OM4871 2.000 REV-1502 EX+ (01-10) eivania OF REVENUE MrANCE TAX RETURN SCHEDULE A REAL ESTATE ESTATE OF: FILE NUMBER: T.'~~r~ ~ ~~L_*~l~S All nal properly owned soley o- as a burnt in common must be nporbd at fair market valor. FMr market wlue is defined as the prfoe at which propeRy would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sad, both hauinp reasonable knowledge d the rokvar-t facts. Real properly that is jdntly~ovrned wNh right of wrvivorehip moat be disckued on acheduls F. aw4ea5 2.00o If more space is needed, uae addigonal aheeta of paper of the same size. REV-1503 EX + (&99) SCHEDULE B COMMOhIWEALTH OF PENNSYWANIA STOCKS 8 BONDS INHERRANCE TAX RETURN RESDEMTDEGEDENT FILE NUMBER All property jointly-owned with right of survNorship must be disclosed on Schedule F. 3w+ses ~.ooo (If more space Is needed, insert addkional sheets of the same size) REV-1508 EX+ (11-10) pennaylv~lnia SCHEDULE E °~"'~"ENf °F1~°"'E CASH, BANK DEPOSITS, 8< MISC. AN~~RETURN PERSONAL. PROPERTY E8TATE OF: FILE NUMBER: Laura O. Edmunds Induds the proceeds or Iitipation end the date the proceeds vrsre recdved by the estate. All orooerty lolntly owned wNh right of survhrorshio must Ise dkclased on 8chsdule F. ITEM VALUE AT DATE NUMBER DESCRIP'TiON OF DEATH ~. Thrivent Financial. for Lutherans refund of overpaid premium $440.70 2 American Water refund $36.51 3 2003 Honda Civic LX $8,500.00 4 HELCO Community Credit Union Regular Savings Acct. No. S1 $46.02 5 Erie Insurance Group auto insurance refund $422.00 6 Conexis Health Insurance refund $183.63 7 PEERS Benefit $36.00 8 United States Treasury decedent's 2011 federal income tax refund $252.00 TOTAL (Also enter on line S, Rocapitulatbn) i ~ $9, 916.86 OW46AD 2.000 If mon space is needed, use edditional sheets of paper otthe stone size. pennyyvvania DEPNtTMEWTOF REVE/R!E INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: L~L:•"a O Edm++nds If an assettR-cama JDNrtIy owned wkhin one year of the decedent's dab of death, a must ba nportad an 8chsdule G 31,it1/NNG,lONf TBJ4NT(S) NANQS) AOOI~SS RB.ATIOtSFPTO OBC®B~If A Edmunds, Sandra O 2005 Harvard Avenue, Camp Hill, PA 17011 Daughter JOINTLY OWNED PROPERTY: R~ ~~ PIETTER TOWIT I ,~~ NCLUDE NALEQlRi11UfIDN ANDS EIMTMMT M/lER dIEMLAR RffiNTIIYD/DNIRgER. ATTACH DlED-DR JDNRLT HELD HEAL EETATF. QATE OF BATH VALLE OF ASSET ~ of ~Q ~ wTi: of 064TH VAUE OF '$ Mt~i T 1 A 10/25/20 Two-story, single-family _ dwelling, located at 2005 Harvard Avenue, Camp Hill (Borough of Camp Hill), Cumberland County, Pennsylvania; being Tax Parcel No. 01-22-0536-179; $178,000.00 50.0000 $89,000.00 transferred to Laura Olivia Edmunds and Sandra O. Edmunds, as joint tenants w/ right of survivorship, by Laura Olivia Edmunds' Deed dated October 25, 2005, end recorded in the Cumberland County Recorder of Deeds Office on October 27, 2005, at Book 271, Page 3115. Value is one-half (1/2) of total appraised value of $178,000. SCHEDULE F JOINTLY-OWNED PROPERTY TOTAL (Also enter on line e, Recapitulation) S $89 , 000.00 aw4eAE 2.000 H more space is needed, use additional sheets of paper of the same size. REV-1510 EX + (08.09) Pennsylvania DEPARTMENT OF REVENUE MIHERITANCE TAX RETURN RESIDENTtECEDENT SCHEDULE G INTER-VIVOS TRANSFERS AND MISC. NON-PROBATE PROPERTY Laura O. Edmunds This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes. ITEM NUMBE N MGLIAETIfN~MEOFTETIIANBGEREE,TYEIRREUTIONBMPTOOECEDENTAW 71E oaE aR TRARlFER. ATTACNACOPV OF TiE GEED FOR REAL ESTATE. DATE OF DEATH VALUE OF ASSET %OFDECDS MREREST EXCLUSbN TAXABLE VAL E ~• LAURA O. EDMUNDS LIVING TRUST BELCO Community Credit Union Whatever Club Acct. No. 303 $0.14 100.0000 $0.00 $0.14 2 BELCO Community Credit Union Chocking Acat. No. 84 $9,127.19 100.0000 $0.00 $9,127.19 3 BELCO Community Credit Union Certificate of D®posit No. 55786 $9,127.87 100.0000 $0.00 $9,127.87 Interrst aaaruaci to 8/31/2011 $7.10 100.0000 $7.10 4 BELCO Community Credit Union Trust Holiday Acct. No. 32 $2,609.86 100.0000 $0.00 $2,609.86 5 BELCO Community Credit Union Certificate of Dsposit No. 65824 $7,141.39 100.0000 $0.00 $7,141.39 Interest accrued to 8/31/2011 $1.31 100.0000 $1.31 6 BELCO Community Credit Union Rogular Savings Acct. No. 301 $5.57 100.0000 $0.00 $5.57 7 BELCO Community Credit Union Certificate of Deposit No. 67484 $28,604.63 100.0000 $0.00 $28,604.63 Interest aaarued to 8/31/2011 $14.01 100.0000 $14.01 TOTAL (Also enter on line 7, Recapitulation) S I $56, 639.07 If more apace is needed, uss addRbnal sheets oT paper of the same size. 9W46AF 2.000 REV-7517 EX+(~p.pp~ SCHEDULE H Pennsylvania DEPAR'nyENrOFREVENUE FUNERAL EXPENSES AND lI~ERITANCETAXRETURN ADMINISTRATIVE COSTS RESIDENrtJECEDENT ESTATE OF FILE NUMBER Laura O. Edmunds Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: ~, Myors-Harn@r lhinoral Homa fun@ral goods ~ services $7,605.00 Total from continuation schedules . B. ADtiAINISTRATNE COSTS: 1. Personal Representative Commissions: Name(s) of Personal Representative(s) Street Address City State ZIP Year(s) Commission Paid: 2. Attorney Fees: 3. Family Exemption: (If decedent's address'is not the same as Claimant's, attach explanation.) Claimant Sandra Edmunds Street Address 2005 Harvard Avanu@ Clty Cams Hill State PA ZIP 17011 Relationship of Claimant to Decedent DAUGHTER 4. Probate Fees: 5. Accountant Fees: 8. Tax Refum Preparer Fees: 7. 1 MisC@llaneous administrative exp@ns@a incurred in administ@rinq @state, i.@., postaq@, office suppli@s, fax Charges, @tC. Total from continuation sah@dul@s . 9W48AG 2.000 TOTAL (Also enter on Line 9, Recapfl If more space is needed, use additional sheets of paper of the sane size. $3,598.69 $3,500.00 $3,500.00 $118.52 $848.07 S Estate of: Laura O. Edmunds Schedule H Part 1 (Page 2) Item No. Description 2 Funeral Luncheon 3 Rolling Green Cemetery interment 4 Royer's flowers 5 George Wirt sound engineer for funeral service 6 Tim Koch organist 7 Rev. Glenn Ludwig funeral service Amount $476.69 s2,7a1.oo $106.00 $50.00 $100.00 $125.00 Total (Carry forward to main schedule) $3,598.69 Estate of: Laura O. Edmunds Schedule H Part 7 (Page 2) 2 George R. Ulsh - R6L Appraisal Associates real estate appraisal $300.00 3 Register of Wills filing fees $15.00 4 Mileage incurred by Executors - 1045.24 at $.51/mile. $533.07 Total (Carry forward to main schedule) $848.07 REV-1512 E%+ (12-OB) pennsylva~ia SCHEDULE oEPARTT~NlOF REVENUE DEBTS OF DECEDENT, N#RITANCfsTAXRETURN MORTGAGE LIABILITIES S LIENS ResnENroECEOEHr ESTATE OF FILE NUMBER Laura O. Edmunds Report debts incurred by the decedent prior to death that remained unpaid at the date of death, Including unrelmbureed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH ~• Messiah Village nursing home care 2 Alert Pharmacy prescriptions 3 Trinity Lutheran Church pledge for September-December 4 West Shore EM3 emergency medical transport 5 IAT6T cell phone bill 6 BELCO Community Credit Union Mortgage Loan No. 406650-L5 Mortgagors: Laura Olivia Edmunds and Sandra O. Edmunds (Amount .reported is one-half of balance owed at date of death.) 7 Gates, Halbruner, Hatch ~ Guise, P.C. pre-death legal fees 8 .Janet L. Miller, Tax Collector Decedent's half of prorated property tax for July-August 2011 paid after death. $1,299.40 $84.67 $348.00 $121.49 $26.12 $10,518.61 $504.00 $176.67 TOTAL (Also enter on Line 10, Re swasAH 2.000 If more space is needed, insert additional sheets of the same size. REV-1513 EX+(01-10) Pennsylvania DEPARrMENrOF REVENUE INHERITANCE TAX RETURN R~DEtJT DECEDENT SCHEDULE J BENEFICIARIES OF: Laura O. Edmunds FILE NUMBER: RELATIONSHIP TO OECEDEPTT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEMNG PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS (Indude outright spousal distributions and transfers under Sec. 9118 (a) (1.2).J 1. Sandra O. Edmunds 2005 Harvard Aveznue Camp Hill, PA 17011 Two-story, single-family dwelling, located at 2005 Harvard Avenue, Camp Hill (Borough of Csmp Hill), Cumberland County, Pennsylvania; being Tax Parcel No. 01-22-0536-179; Inventory Value: $89,000.00 One Half of Residue: $17,153.35 Daughter $106,153.35 ENIER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 1 8 OF REV-1500 COVER SHEET, AS APP ROPRIATE. II NONTAXABLE DISTRIBUTIONS A SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. B. CHARRABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. f 0.00 ew~snl 2.000 Ii more space is needed, use addltlohai sheets of paper of the same stze. Estate of: Laura O. Edmunds Schedule J Part 1 (Page 2) Item No. Description Relation Amount 2 Barbara E. Boyd 435 Ivy Trails Drive Cincinnati, OH 416244 One Half of Residue: $17,153.35 Daughter $17,153.35 DEATH CERTIFICATE LAST WILL AND TESTAMENT OF LAURA O. EDMUNDS LAST SPILL AND TESTAMENT OF LAURA OLIVIA EDMUNDS I, LAURA OLIVIA EDMUNDS, now of 2005 Harvard Avenue, Camp Hill, Cumberland County, Pennsylvania, do publish and declare this to be my Last Will and Testament, hereby revoking all other prior wills and codicils made by me. FIRST: Family Background and Appointment of Executor. (A) Family. and Background Information. I am a widow, my husband, EMORY EDMUNDS, having passed .away in November, .1987. My children are BARBARA E. BOYD and SANDRA 0. EDMUNDS. Throughout this Will, BARBARA E. BOYD and SANDRA 0. EDMUNDS will be referred to as °my children° or "my daughters", and the word "issue° will refer to my children as well as my other descendants. (B) Appointment of Executor. I appoint as my Executrix and Successor Executrix (all hereinafter referred to as Executor or Executors) under-this Will, the following named persons to serve without bond and without being required to account to any court: Executrix: My daughter, SANDRA 0. EDMUNDS. Successor Executrix: My daughter, BARBARA E. BOYD. (C) Inter Vivos Trust. The inter vivos trust agreement referred to in this Will is entitled "TAE LAURA OLiVIA BDMUNDS REVOCABLE TRUST", dated December 17, 1997, by .and between myself, as Settlor, and myself, as Trustee, as now in effect or as may hereafter be amended. S$COND: Funeral and Last Illness Expensess Taxes. (A) Expenses of Funeral and Last Illness. I direct my Executor to pay my funeral expenses, the expenses of my last illness and my church pledges, if any, from my estate. (B) Taxes.. I direct my Executor to pay any and all estate, inheritance, succession, legacy, transfer and other death taxes or duties, by whatever name called, including any and all interest and penalties thereon, imposed under the .laws of any jurisdiction by reason of my death upon or with respect to any and all property included in my gross estate for the purpose of such taxes, whether .such property passes under or outside of this Will. Without any apportionment otherwise required by law and without being prorated or apportioned among or charged against the respective devisees, 7MfS1- hm~ LAST WILL AND TESTAMENT OF LAURA OLIVIA EDMOND3 PAGE 2 legatees, beneficiaries, transferees or other recipients of any such property or charged against any property passing or which may have passed to any of them, I direct that any taxes so paid .shall be charged against my residuary estate. My Executor shall not be entitled to reimbursement for any portion of any such .taxes from any such person. The. foregoing provisions of this Article SECOND shall not apply to such portion(s) of said taxes,. interest and penalties which may be required to be paid, or are actually paid or reimbursed, by the Trustee of the Trust described in Paragraph FIRST (C), above. THIRD: Tangible Personal Property. Except for those items excluded- below and those items enumerated in the Letter of Instruction, I bequeath all my tangible personal property, including but not limited. to clothing, jewelry, heirlooms, furniture, household furnishings, personal effects, motor vehicles, and all other similar articles which I own, and the insurance thereon, to my children, per stirpes, to be divided among them as they may s-elect in as nearly equal shares as practical.. Tangible personal property shall not include: (1) any and all property used by me in any business, (2) cash on hand or on deposit in banks, (3) stock or securities, (4) any type of evidence of indebtedness and (5) any life, health or accident insurance policies. If there is any disagreement as to distribution, I direct my Executor to make such distribution, and the decision of my Executor shall be final and binding. Any items not selected or any items which my Executor considers unsuitable for my beneficiaries may be distributed or sold in the sole discretion of my Executor, and if sold, the net proceeds therefrom shall be added to the residue of my estate. Any such article allocated to a minor may, as my Executor deems advisable, either be.delivered to the minor or to any person to safeguard on behalf of the minor. Notwithstanding any other provisions in this Article THIRD, I may leave a separate, dated and unsigned Letter of Instruction, which I shall place with this Will, containing directions as to the ultimate disposition of certain of the property bequeathed under this Article THIRD, and such Letter of Instruction shall determine the distribution of such items. FOURTH: Residuary Estate. I devise and bequeath all of the rest, residue .and remainder of my estate, real, personal and mixed, of whatever nature and wherever situated to which I am legally or equitably entitled, to -the then-acting Trustee of the Trust ~_ LAST WILL AND TESTAMENT OF LAURA OLIVIA EDMUNDS .PAGE 3 described in Paragraph FIRST (C), above, to be held, administered and distributed pursuant to the terms thereof, as the same may be amended from time to time. By this devise and bequest of my residuary estate, I hereby exercise all powers of appointment I possess at the time of •my death except any powers of appointment which I possess under the Trust described in Paragraph FIRST (C), above. FIFTH: Powers of Executor. In addition to, such powers and duties as may have been granted elsewhere in this Will or by law, but subject to any limitations stated elsewhere in-this. Will, the Executor shall have and exercise exclusive management and control of the estate and shall be vested with the following specific powers and discretion: (A) In the management, care .and disposition of the estate, the Executor shall have the power to do all things and to execute such instruments, deeds or other documents as may be deemed necessary or proper, including the following powers, all of which may be exercised without order of or report to any court: (1) To sell, exchange or otherwise dispose of any property at any time held or acquired hereunder, at public or private sale, for cash or on terms, without advertisement, including the right to lease for any term notwithstanding the period of the estate, and to grant options, includinq_any option for a period beyond the duration of the estate. (2) To invest all monies in such stocks,. bonds, securities, mortgages, notes, chores in .action, real estate or improvements thereon, and any other property as the Executor may deem best,. without regard to any law now or hereafter enforced limiting investments of fiduciaries. (3) To retain for investment any property deposited with the Executor hereunder. (4) To vote in person or by proxy any corporate stock or other security and to agree to or take any other action in regard to any reorganization, merger, consolidation, liquidation, bankruptcy or other procedure or proceedings affecting any stock,-bond, note or other security. (5) To use attorneys, real estate brokers, accountants and other agents if such employment is deemed necessary or v~s`- LAST WILL AND TESTAMENT OF LAURA OLIVIA EDMUNDS PAGE 4 desirable and to pay reasonable compensation for their services. (6) To compromise, settle or adjust any claim or demand by or against the estate and to agree to any rescission or modification of any contract or agreement affecting the estate. (7) To renew any indebtedness, as well as to borrow money, and to secure the same by mortgaging, pledging or conveying any property of the estate. (8) To retain and carry on any business in which the estate may acquire an interest, to acquire additional interest in any such business, to agree to the liquidation in-kind of any corporation in which the estate may have an interest and to carry on the business thereof, to join with other owners in adopting any form of management for any business or property in which the estate may have an interest, to become or remain a partner, general or limited, in regard to any such business or property and to hold the stock or other securities as an investment, and to employ agents and confer on them authority to manage and operate the business; property or corporation,. without liability for the acts of such agent or for any loss, liability or indebtedness of such .business if the management is selected or retained with reasonable care. (9) To register any stock, bond or other security in the name of a nominee, without. the addition of words indicating that such security is held in a fiduciary capacity, but accurate records shall be maintained showing that such security is an estate asset, and the Executor shall be responsible for the acts of such nominee. (B) Whenever the Executor is directed to distribute any estate assets in fee simple to a person who is then under twenty- one (21) years of age, the Executor shall be authorized to hold such property in trust for such person until he/she becomes twenty- one (21) years of age, and in the meantime shall use such part of the income and the principal of the trust estate as the Executor may deem necessary to provide for the proper support and education of such person. If such person should die before becoming twenty- one (21) years of age, the property then remaining in trust shall be distributed to the personal-representative of such persons estate. ~/~~ 7 ~~s-a~ ~- LAST WILL AND TESTAMENT OF LAURA OLIVIA EDMUNDS PAGE 5 (C) In making distributions from the estate to or for the .benefit of any minor or .other person under a legal disability, the Executor need not require the appointment of a guardian but shall be authorized to pay or deliver the same to the custodian of such person, to pay or deliver the same to such person without the intervention of a guardian, to pay or deliver the same to a legal guardian of such person if one has already been appointed, or to use the same for the benefit of such person. (D) In the disbursement of the estate and any division into separate trusts or shares, the Executor shall be authorized to make the distribution and division in money or in kind, or both, regardless of -the basis for income tax purposes of any property distributed or divided in kind, and the distribution and division made and the values established by the Executor shall be binding and conclusive on all persons taking hereunder. The Executor may in making. such distribution or division allot undivided interests in the same property to several trusts or shares. (E) The Executor shall be authorized to lend or borrow, including the right to lend to or borrow from any trusts which I may have established during life or by will at an adequate rate of interest and with adequate security, and upon such terms and conditions as the Executor shall deem fair and equitable. (F) The Executor shall be authorized to sell or purchase at the fair market value as determined by the Executor, any property to or from .any trust created by me during life or by will, even though the same person or corporation may be acting as Executor of my .estate or as trustee of-any of my other trusts. (G) The Executor shall have discretion to determine whether items should be charged or credited to income or principal or allocated between income and principal as the Executor may deem equitable and fair under all the circumstances, including the power to amortize or fail to amortize any part or all of any premium or discount, to treat any part or all of the profit resulting from the maturity or sale of any asset, whether purchased at a premium or at a discount, as income or principal or apportion the same between income and principal, to apportion the sales price of any asset between income and principal, to treat any dividend or other distribution of any investment as income or principal, or apportion the. same between income .and principal, to charge any expense against income or principal or apportion the same, and to provide or .fail to provide a reasonable reserve against depreciation or LAST WILL AND TESTAMENT OF LAURA OLIVIA EDMUNDS PAGE 6 obsolescence on any assets subject to depreciation or obsolescence, all as-the Executor may reasonably deem equitable and just under -all the circumstances. If the Executor does not exercise the above discretionary power, the cash or accrual allocation shall be in accordance with Chapter 81 of Title 20 of the Pennsylvania Consolidated Statutes, or the corresponding provisions of subsequent state law. SIXTH: Rights and Liabilities of Executor. (A) No bond or other security shall be required of the Executor. (B) This instrument always shall be construed in favor of the validity of any act or omission by the Executor, and the Executor shall not be liable for any act or omission except in the case of gross negligence, bad faith or fraud. Specifically, in assessing the .propriety of any investment, the overall performance of the entire estate shall be taken into account. (C) The Executor shall be entitled to receive reasonable compensation for services actually rendered to my estate in an amount the Executor normally and customarily charges for .performing similar services during the time in which the Executor performs the services. SEVENTH: Tax Elections. (A) In determining the estate, inheritance and income tax liability relating to the estate, the Executors decision as to all available tax elections shall be conclusive on all concerned. In .accordance with Internal Revenue Code §2632 (a) and without regard to whether a federal estate tax return is actually filed, the Executor shall allocate so much of the federal Generation Skipping Trans€er (GST) exemption amount as will fully exempt any generation skipping transfer which may occur under this Will. (B) The Executor may, in its discretion, determine the date as of which my gross estate shall be valued for the purpose of determining the applicable tax payable by reason of my death. (C) The Executor may, in his discretion, decide whether all or any part of certain deductions shall be taken as income tax deductions (even though they may equal or exceed the taxable income of my estate and whether or not claimed or of benefit on my LAST SILL AND TESTAMENT OF LAURA OLIVIA EDMUNDS PAGE 7 estate's income tax return) or as estate tax deductions when a choice is available; and in the event that all or any part of such deductions are taken as income tax deductions, no adjustment of income and principal accounts in my estate shall be made as a result of such decisions. EIGHTH: Sx~endthrift Provision. No beneficiary shall have the power to anticipate, encumber or transfer his interest in the estate in any manner other. than by the valid exercise of a power of appointment. No part of .the estate shall be liable for or charged with any debts, contracts, liabilities or torts of a beneficiary or subject to seizure or other process by any creditor of a beneficiary. NINTH: Definitions and General Provisions. (A) Survival. Any beneficiary who dies within sixty (60) days after my death shall be considered not to have survived me. (H) Cautions.. The captions set forth in this Wi11 at the beginning of the various articles hereof are for convenience of reference only and shall not be deemed to define or limit the provisions hereof or to affect in any way their construction and application. (C) Children. As used in this Will, the words "child" and "children" shall include persons who are legally adopted and the issue of said persons, whether born in or out of wedlock, so long as any person born out of wedlock is acknowledged in a written instrument .executed by the one of their natural parents who is a descendant of mine to be the child of said descendant. The word "issue" shall include descendants of all generations including adopted persons. A posthumous child shall be considered as living at the death of his parent. The birth to me or the adoption by me of a child or children subsequent to the execution of this Will shall not operate to revoke this Will. (D) Code. Unless otherwise stated, all references in this Will to section and chapter numbers are to those of the Internal Revenue Code of 1986, as amended, or the corresponding provisions of any subsequent federal tax laws applicable to my estate. (E) Other terms. The use of any gender includes the other genders, and the use of either the singular or the plural includes the other. LAST HILL AND TESTAMENT OF LAURA OLIVIA EDMUNDS PAGE 8 (F) Powers of Appointment are Facercised. By this will,- I exercise any and all powers of appointment which I possess at the time of my death except any powers of appointment which I possess under the Trust described in Paragraph FIRST (C), above. IN ~PITNE83 WHEREOF, I, LAURA OLIVIA EDMUNDS, .the Testatrix, have to .this my Last Will and Testament, typewritten on nine (9) pages, including the Acknowledgment and Affidavit, set my hand and seal this 17th day of December, 1997. LAURA OLIVIA EDMUNDS Signed, sealed, published and declared, by .the above-named Testatrix, as and for her Last will and Testament, in the presence of us, who have hereunto subscribed our names at her request, as witnesses hereto, in the presence of the said Testatrix, and in the presence of each other. Each of us further declares that he/she believes the Testatrix to be of sound mind and memory. The preceding instrument consists of this and eight (8) other consecu- tively numbered typewritten pages including the Acknowledgment and Affidavit. t 1...t j residing at 1 IPA.-i~c~,~;. ~.~v-~, ~~ (print name) residing at C' (print ame) ACI~TOWI+EDC~MENT AND AFFIDAVIT COMMONWEALTH. OF PENNSYLVANIA COUNTY OF CUMBERLAND SS: 'The Testatrix and the witnesses whose names are signed and subscribed to the attached or foregoing instrument, being first duly sworn and qualified according to law, do hereby acknowledge, depose and say to the undersigned authority, that the Testatrix signed and executed the instrument as her Last Will in the presence of the witnesses; that she signed- it willingly or willingly directed another to sign it for her; that she executed it as her free and voluntary act for the purposes therein expressed; that each of the witnesses were present and saw the Testatrix sign and execute the instrument as her Last Will; that each subscribing witness in the hearing and sight of the Testatrix signed the will as witnesses; and that to the best of their knowledge the Testatrix was at that time eighteen years of age or older, of sound mind and under no constraint or undue influence. Testatrix i witness ~" witness Sworn to or affirmed, subscribed to, and acknowledged, before me by the above-named Testatrix and witnesses, this 17th day of December, 1997. ~~ G2~ N tary Public Commission Expires: Notarial Seal Janet C. Naclerio, Notary PubAc Lemoyne Boro, Cumberland County My Commission Expires April 19,1999 Member, Pennsylvania Association of Notaries THE LAURA OLIVIA EDMUNDS REVOCABLE TRUST DATED DECEMBER 17,1997 THE LAURA OLIVIA EDMUNDS REVOCABLE TRUST THIS, TRUST AGREEMENT is executed in triplicate on this 17th day of December, 1997, by and between LAURA OLIVIA EDMUNDS, now of 2005 Harvard Avenue, Camp Hill, Cumberland County, Pennsylvania (herein called "Settlor"), and LAURA OLIVIA EDMUNDS, now of 2005 Harvard Avenue, Camp Hill, Cumberland County, Pennsylvania (herein called "Trustee"). ARTIGLE I. PARTIES, PERSONAL DATA AND TABLE OF CONTENTS 1.01. Parties aad Personal Data. The Settlor is a widow, her husband, EMORY EDMUNDS, having passed away in November, 1987. The Settlor's children are BARBARA E. BOYD and SANDRA 0. EDMtJNDB. Throughout this Will, BARBARA E. BOYD and SANDRA.0. EDMt7ND$ will be referred to as "the Settlor's children" or "the Settlor~s daughters", and the word "issue" will refer to the Settlor's children as well as her other descendants. 1.02. Table of Contents. PAGE ARTICLE I. ARTICLE II. PARTIES, PERSONAL DATA AND TABLE OF CONTENTS 1.01 Parties and Personal Data ............... .1 1.02 Table of Contents ..........................1 TRUST ESTATE 2.01 Transfer to Trust ..........................2 2.02 .Additional Transfers to Trust ..............2 ARTICLE III. LIFE INSURANCE POLICIES 3.01 Transfers of Life Insurance to Trust....... 3 3.02. Payment of Premiums ........................ 3 3.03 Rights in the Life Insurance Reserved to Settlor.............. ... ..... ........ 4 3.04 Duties of Trustee Regarding the Life Insurance .................................. 4 ARTICLE IV. .DISTRIBUTIONS FROM TRUST 4.01 Distributions During Settlor's Life........ 5 4.02 Settlor's Special Power of Appointment..... 5 4.03 Termination and Distribution of Trust...... 5 ARTICLE V. POWERS OF TRUSTEE 5.01 General Powers . ........................... 5 ARTICLE VI. SPENDTHRIFT PROVISION 6.01 General Provisions ......................... 9 ARTICLE VII. CONSTRUCTION OF TRUST 7.01 Choice of Law... ............... .9 7.02 Code ..... .................................9 7.03 Other Terms... ... ......................9 7.04 Captions and Table of Contents........... .9 7.05 5itus of Trust ............................10 ARTICLE VIII. COMPENSATION OF TRUSTEE AND APPOINTMENT OF SUCCESSOR TRUSTEE 8.01 Compensation.. .... .... ...... ......10 8.02 Removal or Resignation~of Trustee.........10 8.03 Successor Trustee .........................10 ARTICLE IX. PERPETUITIES CLAUSE 9.01 General Provisions. .....................10 ARTICLE X. REVOCATION AND AMENDMENTS 10.01 Reservation of Powers ...... .............11 10.02 Effect of Settlor~s Incapacity...........11 ARTICLE XI. PAYMENT OF TAXES, FUNERAL EXPENSES AND EXPENSES OF ADMINISTRATION 11.01 Payment of Death Taxes and Other Estate Settlement Costs ..................12 ARTICLE II. TRUST ESTATE 2.01. Traasfer to Trust. Settlor does hereby assign, transfer and deliver to the Trustee and her successors and assigns the property described in Schedule °A° attached hereto and made a part hereof, or as Schedule °A" may be amended. As further evidence of such assignment, the Settlor has executed or will execute or cause to be executed such other instruments as may be required for the purposes of completing the assignment or transfer of title to such property to the Trustee. The Trustee accepts such transfer and assignment to herself as Trustee, and the Trustee undertakes to hold, manage, invest and reinvest the assets of this Trust, and to distribute the income and principal of the Trust, in accordance with the provisions of this Agreement. 2.02. Additional Transfers to Trust. The Settlor, and any other person with the consent of the Trustee, shall have the right at any time to make additions to the corpus of this- Trust or any shares thereof hereby established. All such additions shall be held, controlled and distributed by the Trustee in accordance with the terms and conditions of this Agreement. 2 ARTICLE III. LIFE INSURANCE POLICIES 3.01. Transfers of Life 2asurance to Trust. If any insurance policies are transferred into this Trust, the Trustee shall be vested with all right, title and interest in and to the transferred policies of insurance, and-the Trustee is authorized and empowered to exercise and enjoy, for the purposes of the Trust herein created and as absolute owner of such policies of insurance,. all the options, benefits, rights and privileges under such policies, including the right to borrow upon and to pledge them for a loan or loans. The Trustee takes all rights, title and interest in and to such insurance policies subject to any prior split-dollar life insurance agreement which may be in effect at the time of the transfer. The insurance companies which have issued such policies are. hereby authorized and directed to recognize the Trustee as absolute owner of such policies of insurance and as fully entitled to all options, rights, privileges and interests under such. policies, and any receipts, releases and other instruments executed by the Trustee in connection with such policies shall be binding and conclusive upon the .insurance companies and upon all persons interested in this Trust. 3.02. Paxmeat of Premiums. It is the intention of the Settlor to pay any and all premiums, assessments or other charges necessary to keep each policy included in the Trust in force unless such premiums shall be paid by the insured thereunder (where the insured is someone other than the Settlor) or in some other manner, but the Settlor shall be under no duty in this respect and shall incur no liability to the beneficiaries of the Trust or to any other person if the Settlor shall permit any such policy to lapse for nonpayment of premiums, assessments or charges, or otherwise permit any such policy to become uncollectible. The Trustee shall be under no obligation to pay the premiums which may become due and payable-under the provisions of any policy of insurance which may be transferred or assigned to this Trust, or to make certain that such premiums are paid by the transferor of. -such policy, or to notify any persons of the nonpayment of such premiums, and the Trustee shall be under no responsibility or liability of any kind in case such premiums are not paid, except that the Trustee shall apply any dividends received by the Trustee on such policies to the payment of premiums thereon. .Upon notice at any time during the continuance of this Trust that the premiums due upon such policies are in default, or that premiums which will become due will not be paid, either by the transferor. or by any other person, the Trustee, within her sole discretion, may apply any cash values attributable to such policy 3 to the purchase of paid-up insurance or of extended insurance, or may borrow upon such policy for the payment of premiums due thereon, or may accept the .cash values of such policy upon its forfeiture. In the event that the Trustee receives the cash valve of such policy upon its forfeiture for nonpayment of premiums, the -amount received shall be added to the corpus of this Trust and shall be administered according to the terms of this Agreement. If the insured under such policies of insurance becomes .totally and permanently disab-led within the meaning of any policies and because thereof the payment of premiums, or any of them, shall be waived during the pendency of such disability, then upon receipt of such knowledge, the Trustee shall promptly notify the insurance company which has issued such policies and shall take any and all steps necessary to make such waiver of premium provision effective. 3.03. Rights in the Life Insurance Reserved to Settlor. The following rights, exercisable without the consent of the Trustee or the beneficiaries of the Trust, are expressly reserved by the Settlor during the Settlor's lifetime with respect to each policy included in the Trust insuring the Settlor~s life and owned by the Settlor and made payable to the Trustee hereunder: (i) to exercise all options, elections, rights and privileges accorded to the Settlor under the terms of any such policy, (ii) to obtain all or any part of the loan value of any such policy, (iii). to use any such policy as collateral for a loan, (iv) to sell, assign or pledge any such policy, (v) to receive any dividends, distributive shares of surplus earnings, disability benefits, surrender values or the proceeds of matured .endowments, (vi) to change the named beneficiary to whom the proceeds of such policy are payable on the insured's death and (vii) to convert any or all policies into other forms of insurance or annuities or to permit the same to lapse. The .Trustee agrees to execute any and all instruments that may be necessary to permit the exercise of any such rights by the Settlor, without liability to anyone for so doing. Upon the maturity of any life insurance policy included in the Trust, whether at the insu~ed's death or at any other time, the Trustee shall collect the proceeds thereof. 3.04. Duties of Trustee Regarding the Life Insurance. The Trustee shall be under no obligation or duty whatsoever except with respect to the safekeeping of .such policies of insurance and the duty to receive such sums as may be paid to her, in accordance with the requirements of this Trust, by the companies issuing such policies, and to hold, manage and disburse such proceeds subject to the terms of this Agreement. Upon the death of the insured,.the Trustee shall make reasonable efforts to carry out the provisions of this .Agreement, including the maintenance or defense of any suit; provided, however, the Trustee shall be under no duty to maintain- or enter into .any litigation unless her expenses, 4 including counsel fees and costs, have been advanced or guaranteed in an amount and in a ~tianner reasonably satisfactory to her. .The Trustee may repay any advances made by her or reimburse herself for any such fees and costs from any corpus or income of this .Trust. .ARTICLE IV. DISTRIBUTIONS FROM TRUST 4.01. Distributions Durinc Settlor's Life. The Trustee shall pay to, or apply for the benefit of, the Settlor: (1) so much of or all of the income and so much of or all of the principal as the Trustee deems desirable for the most comfortable care, support, maintenance, welfare, education, happiness, luxuries and any needs arising from illness, accidents or other emergencies of the Settlor; and (2) so much of or all of the income and so much of or all of the principal as the Settlor shall. request. 4.Oa. Settlor's Special Power of AyDOintment. The Settlor shall have the power at any time, exercisable by instrument(s) in writing. delivered to the Trustee during the Settlor's -life specifically referring to this Subparagraph 4.02, to appoint all or any portion of the principal and any accumulated and accrued income of this Trust, except any policies of insurance on the life of the Settlor. Any appointment made under this Subparagraph 4.02 may be upon any terms and conditions (including further trusts) to or for the benefit of any one or more individuals as the Settlor deems advisable. However, no such appointment may be made to the Settlor's estate, the Settlor's creditors or the creditors of the Settlor's estate, nor may any general powers of appointment be created by the exercise of the special power of appointment created herein. 4.03.. Termination aad Distribution of Trust. Upon the Settlor's death, this Trust. shall terminate, and the remaining trust estate shall be distributed to Settlor's children in equal shares, per stirpes. ARTICLE v. POgPER$ OF TRUSTEE 5.0.1. General Powers. In addition to such other powers and duties as may have been granted elsewhere in this Trust or by law, but subject to any limitations contained elsewhere in this Trust, the Trustee shall have. the following powers and duties: A. In the management, care and disposition of this Trust, the Trustee shall have the power to do all things and to execute such deeds, instruments or other. documents, as may be deemed necessary and, proper, including the following powers, all of which may be 5 exercised without order of or report to any court: (1) To-sell, exchange or otherwise dispose of any property, real, personal or mixed, at any time held or acquired hereunder, at public or private sale, for cash or on terms, without advertisement, including the right to lease for any term notwithstanding the period of the Trust, and- to grant options, including an option for a period beyond the duration of the Trust. (2) To invest all monies in such stocks, bonds, securities, investment companies or trust shares, mortgages, notes, choses in action, real estate, improvements thereon, and other property as the Trustee may deem best, .without regard. to any law now or hereafter in force limiting investments of fiduciaries; except that a corporate Trustee may not invest in any stock or securities issued by such. corporate Trustee or issued by a parent or affiliate company of such corporate Trustee. (3) To retain-for investment any property deposited with the Trustee hereunder; except that a corporate Trustee may not retain for investment any stock or securities issued by such corporate Trustee or issued by a parent or affiliate company of such corporate Trustee. (4) To vote in person or by proxy any corporate stock or other security and to agree to take any other action in regard to any reorganization, merger, consolidation, liquidation,. bankruptcy or other procedure or proceedings affecting any stock, bond, note or other security held by this Trust. (5) To use lawyers, real estate brokers, accountants and other agents if such employment is deemed necessary or desirable, and to pay reasonable compensation -for their services. (6) To compromise, settle or adjust any claim or demand by or against the Trust. and to agree to any rescission or modification of any contract or agreement affecting the Trust. (7) To renew any indebtedness, as well as to borrow money, and to secure the same by mortgaging, pledging or conveying any property of the Trust, including the power to borrow from the Trustee (in the Trustee's individual capacity) at a reasonable rate of interest. (8) To retain and carry on any business in which the Trust may acquire any interest, to acquire additional 6 interests in any such business, to agree to the liquidation in kind of any corporation in which the Trust may ..have any interest and to carry on .the business thereof, to join with other owners in adopting any form of management for any business or property in which the Trust may have an interest, to become or remain a partner, general or limited, in regard to any such business or property and to hold the stock or other securities as an investment, and to employ agents and confer on them authority to manage and operate the business, property or corporation, without liability for the acts of any such agent or for any loss, liability or indebtedness of such business if the management is selected or retained with reasonable care. (9) To register any stock, bond or other security in the name of a nominee, without the addition of words indicating that such security is held in a fiduciary capacity, but accurate records shall be maintained showing that the stock, bond or other security is a trust asset, and the Trustee shall be responsible for the acts of the nominee. (10) To merge this Trust with any other trust created in Settlor's will or otherwise,. with similar provisions and purposes and the same beneficiary or beneficiaries, but only to the extent that the merger of the trusts will not cause the imposition of gift tax, estate tax or generation-skipping tax, federal or otherwise. B. whenever the Trustee is directed to distribute any trust principal. in fee simple to a person who is then under twenty-one (21) years of age, the Trustee shall be authorized to hold such property in separate trust for such person until he becomes twenty- one (21) years of age, .and in the meantime shall use such part of the income and principal of the separate trust as the Trustee .may deem necessary to provide for the proper support and education of such person in the standard of living to which he has become accustomed. If such person should die before becoming twenty-one (21) years of age, the property then remaining in separate trust shall be distributed to the personal representative of such person's estate. C. In making distributions from the Trust to or for the benefit of any minor or other person under a legal disability, the Trustee need not require the appointment of a guardian, but shall be authorized to pay or deliver the distribution to the custodian of-such person, to pay or deliver the distribution to such person without the intervention of a guardian, to pay or deliver the distribution to the legal guardian of such person if a guardian has already been appointed, or to use the distribution for the benefit 7 of such person. D. In the distribution of the Trust and any- division into. separate trusts and shares, the Trustee shall be authorized to make the distribution and division in money or in kind or in both, regardless of the basis for income tax purposes of any property distributed or divided in kind, and the distribution and division made and .the values established by the Trustee shall be binding and conclusive on all persons taking hereunder. The .Trustee may, in making such distribution or division, allot undivided interests in the same property to several trusts or shares. 8. If at any time after Settlor ~ s death the total fair market value of the assets of any trust established or to be established hereunder is so small that a corporate trustees annual fee for administering the trust would be equal to or less than the minimum annual fee set forth in the trustees regularly published fee schedule then in effect, the Trustee in its discretion shall be authorized to terminate such trust or. to decide not to establish such trust, and in such event the property then held in or to be distributed to such trust shall be distributed to the persons who are then or would be .entitled to the income of such trust. 'If the amount of income to be received by such persons is to be determined in the discretion of the Trustee, then the Trustee shall distribute the property among such of the persons to whom the- Trustee is authorized to distribute income, and in such proportions, as the Trustee in its discretion shall determine. F. The Trustee shall be authorized to lend or borrow, including the right to lend to or borrow from the Settlor ~ s estate, at an adequate rate of interest and with adequate security and upon such terms and conditions as the Trustee shall deem fair and equitable. G. The Trustee shall be authorized to sell or purchase, at the fair market value as determined by tl~e Trustee, any property including any property to or from 5ettlor~s estate, or any trust created by .Settlor during life or by will, even though the same .person or corporation may be acting as executor of Settlor~s estate or as trustee of any such other trusts and as the Trustee of this Trust. H. The Trustee shall have discretion to determine whether items should be charged or credited to income or .principal or allocated between income and principal as the Trustee may deem equitable and fair under all the circumstances, including the power to amortize or fail to amortize any part or all of any premium or discount, to treat any part or all of the profit resulting from the maturity or sale of any asset, whether purchased at a premium or at 8 a discount, as income or principal or apportion the same between income and principal, to apportion the sales price of any asset between income and principal, to treat any dividend or .other distribution on any investment as income or principal or to apportion the same between income and principal, to charge any expense against income or principal or apportion the same, and to provide or fail to provide a reasonable reserve against depreciation or obsolescence on any asset subject to depreciation or obsolescence, all as the Trustee may reasonably-deem equitable and-just under all of the circumstances. I. The Trustee is hereby authorized and empowered to purchase such insurance policies as the Trustee deems appropriate. ARTICLE VI. SPENDTHRIFT PROVISION 6..01. General Provisions. No beneficiary shall have .the power to anticipate, encumber or transfer his interest in the trust estate in any manner other than by the valid exercise of a power of appointment. No part of the trust estate shall be liable for or charged with any debts, contracts, liabilities or torts of a beneficiary or subject to seizure or other process by any creditor of a beneficiary. ARTICLE VII. CONSTRUCTION OF TRUST 7.01 Choice of Law. This- Trust shall be administered and interpreted in accordance with the laws of the Commonwealth of Pennsylvania. 7.Oa. Code. Unless otherwise stated, all references in this Trust Agreement to section and chapter .numbers are to those of the Internal Revenue Code of 1986, as amended, or corresponding provisions of any subsequent federal tax laws applicable to this Trust. 7.03. Other Terms. Unless the. context otherwise requires, the. use of one or more genders in the text includes all other genders, and the. use of either the singular or the plural in the text .includes both the singular and the plural. 7.04. Captions and Table of Contents. The underlined captions set forth in this Trust Agreement at the beginning of the various divisions hereof and the Table of Contents appearing at the beginning of this Trust Agreement are for convenience of reference only and shall not be deemed to define or limit the provisions hereof or to affect in any way their. construction and application. 9 7.05. Situs of Trust. The Trust shall have its legal situs at Cumberland County, Pennsylvania. ARTICLE VIII. COMPENSATION OF TRUSTEE AND APPOINTMENT OF SUCCESSOR TRUSTEE 8.01. Compensation. The Trustee shall receive as her compensation for the services performed hereunder that sum of money which the Trustee normally and customarily charges for performing similar services during the time iri which she performs these services. 8.02. Removal or Reaic~nation of Trustee. Settlor, during Settlor~s lifetime, may remove the Trustee at any time or times, with or without cause, upon thirty (30) days written notice given to the Trustee. After Settlor~s death, a majority of the current. beneficiaries may remove the Trustee at any time or times, with or without cause, upon thirty (30) days written notice given to the Trustee. The Trustee may resign at any time upon thirty (30) days written notice given to the Settlor, or after Settlor ~ s death, upon thirty (30) days written notice given to the current beneficiaries hereunder. Upon removal or resignation of the Trustee, a Successor Trustee shall be appointed in accordance with the terms set forth in Paragraph 8.03, below. 8.03. Successor- Trustee. Upon the death, resignation, removal or incapacity of the Trustee, then the Settlor~s daughter, SANDRA 0. EDMUNDS, is hereby appointed as Successor Trustee. Upon her death, incapacity, resignation or removal as Successor Trustee hereunder, the Settlor~s daughter, BARBARA E. BOYD, is hereby appointed as Successor. Trustee hereunder. Upon the death, resignation, removal or incapacity of the above-named Successor Trustees, then additional successor trustee(s) may be appointed by the Settlor during the Settlor~s lifetime, or after the Settlor~s death,. by a majority of the current beneficiaries hereunder. Any Successor Trustee shall succeed to all. the duties and. powers, including discretionary powers, herein granted to the Trustee. ARTICLE IX. PERPETUITI83 CLAUSE 9.01. General Provisions. Notwithstanding anything to .the .contrary in this Trust Agreement, each disposition Settlor has made. herein, legal or equitable, to the extent it can be referred in its postponement of becoming a vested interest to a duration measured by some life or lives in being at the time of Settlor~s death is definitely to vest in interest, although not necessarily in possession, not later than twenty-one (21) years after such lives 10 (and any period of gestation involved); or to the extent it cannot be referred in any such postponement to such lives, is to so vest not later than twenty-one (21) years from the time of Settlor~s death. ARTICLE X. REVOCATION AND AMENDMENTS 10.01. Reservation of Powers. Settlor expressly reserves the powers to: (i) revoke this Trust Agreement by an instrument in writing delivered to the Trustee while the Settlor is alive, (ii) to alter, amend or modify this Trust Agreement at any time. or from time to time by instrument(s) in writing delivered to the Trustee while the Settlor is alive, but no such alteration, amendment or .modification shall increase the duties nor change the basis for compensation of the Trustee without the Trustees written consent, and (iii) withdraw from this Trust any life insurance policy or other property forming a part of this Trust, which property or the proceeds therefrom was added to this Trust by Settlor. Any such withdrawal by the Settlor shall be considered a revocation of this Trust solely with respect to the policy or property withdrawn. 10.02. Effect of Settlor~s incavacitl-. A. If Settlor Incaflacitated. ~If at the time of any attempted exercise of (a) powers reserved to the Settlor or (b) any other powers to demand and receive the principal of this Trust, the Settlor is incapacitated (as defined below in subparagraph (C)), through illness, age or other cause, then the Trustee shall disregard any instructions from the Settlor which have the effect of remaking, altering, amending or modifying this Trust Agreement in whole or in part or enabling the Settlor to withdraw from the Trust any life insurance policy or any other property forming a part of this Trust. H. Settlor~s Retained General Power of A~flointment. Notwithstanding the above provisions, the Settlor shall always have the right to exercise a general power of appointment, by a will specifically referring to the reservation of the general power of appointment in this subparagraph (B), to appoint all of the Trust property to the Settlor~s estate, the Settlor~s creditors, or the creditors of the 5ettlor~s estate. C. Definition of Inca~acitY. For purposes of this Trust, the Settlor or Trustee shall be deemed to have become incapacitated upon the happening of either one of the following events: (1) Admission of Incapacity. Delivery, by hand or by mail, to the Trustee then serving, of a written 11 instrument from the Settlor or Trustee declaring that said person no longer considers that she should possess the power (as Settlor) to exercise any of the powers reserved by the Settlor in this Article X or any other powers to demand and receive the principal of this Trust, except the general power of appointment reserved above in subparagraph 10.02(B), above, or .the power (as Trustee) to continue to serve as Trustee, or (2) Medical Certification of Lack of Caflacity. Delivery,. by hand or by mail, to the Trustee then serving, of written instruments by two physicians licensed to practice medicine, one of whom must be a board certified psychiatrist and the other of whom must be a board certified internist, that the Settlor or Trustee no longer has the capacity, as a result of illness, age or other cause: (i) in the case of the Settlor, to exercise any powers reserved by the Settlor over the Trust under the terms of this Article X or any other powers to demand and receive the principal of-this Trust, except that notwithstanding any other provision to the contrary, the reserved general power of appointment of the Settlor, as set forth in subparagraph 10.02(B), above, shall always be exercisable by the Settlor or (ii) in the case of a Trustee, to continue to serve as a Trustee. (3) Powers Personal to Settlor. The powers reserved by and to the Settlor in .this Article X shall be personal to the Settlor and shall not be exercisable by any conservator, committee, guardian or like fiduciary, except a valid power of attorney, nor shall they be assignable to nor extend to the executor or administrator of the Settlor~s estate, nor to any beneficiary named herein. Upon the death of the Settlor, this Trust shall be deemed irrevocable. ARTICLE XI. PAYMENT OF TAXES, FUNERAL EXPENSES AND EXPENSES OF ADMINISTRATION 11.01. Payment of Death Taxes and Other Estate Settlement Costs. The Trustee shall ascertain from the legal representative of the Settlor~s estate whether the legal representative has sufficient assets to pay .the :legacy, succession, inheritance, transfer, estate and other death taxes or duties levied or assessed against the Settlor~s estate (including all interest and penalties thereon), all of which taxes, interest and penalties are hereinafter referred to as the death taxes, interest and penalties. 12 If the legal representative advises the Trustee that insufficient funds exist to pay all the death taxes, interest and penalties, the Trustee shall then pay to the legal representative from the trust property, an amount equal to all the death taxes, interest and penalties in excess of the funds available to the legal representative for this purpose, which payments are to be made without apportionment. In making the payments, the Trustee. shall use only those assets or their proceeds .which are includable in the Settlor~s gross estate for purposes of the United States estate tax. If the Settlor~s legal representative advises the Trustee that there are sufficient funds available to pay the death taxes, interest and penalties, then the Trustee may nonetheless pay to. the legal representative from the trust property, all or any portion, as the Trustee in her sole discretion deems advisable and in the best interests of the Settlor~s beneficiaries named in this Trust Agreement, of (a) any such death taxes, interest and penalties, whether or not on property held in or payable to the Trust, said payments to be made without apportionment, (b) the Settlor~s funeral expenses, (c) claims and other debts of the Settlor, whether allowed against the Settlor~s estate or not, (d) expenses of adminitstering the Settlor~s estate, and (e) bequests under any will or codicil executed by the Settlor. In making any such payments, other than to satisfy bequests under any will or codicil executed by the Settlor, the Trustee shall use only those assets or their proceeds which are includable in the Settlor~s gross estate for purposes of the United States estate tax. ITHIS SPACE HAS BEEN INTENTIONALLY LEFT BLANK.] 13 IN WITNESS WHEREOF, the Settlor and Trustee have hereunto set their hands and seals as of the day and year first written above. WITNE$s: URA OLIVIA BDMUND$, SBTTLOR COMMONWEALTH OF PENNSYLVANIA SS: COUNTY OF CUMBERLAND . On this, the 17th .day of December, 1997, before me, a Notary Public, the undersigned officer, personally appeared LAURA OLIVIA EDM[7ND$, known to me (or satisfactorily proven) to be the person whose name is subscribed to the within Trust Agreement, and acknowledged that she executed the same for the purposes therein contained. IN WITNE$$ WHEREOF, I hereunto set my hand and official Seal. _ ~1 •~!,( •~ f. ~ ~ f ~ ~A~~ _ ary Public ~ ~_ My Commission Expires.,, ,~;~ . - v Notarial Seal ' i' ', Janet C. Naclerio, Notary Public', r ~, ~~' ` ~~~~ Lemoyne Boro, Cumberland Countyx ~" , ~ :- MyCommission Expires April 19, T9~9`- ~'~ Member, PennsylvariaAssoaaiionotN~s~i~irs~'' ~ " The foregoing-Trust Agreement was delivered, and is hereby accepted, at Lemoyne, Pennsylvania, on December 17, 1997. WITNE$$: a ~~~~ LAURA OLIVIA EDM[JND$, TRU$TBE 14 AMENDMENT TO THE LAURA OLIVIA EDMUNDS REVOCABLE TRUST i THIS TRUST AMENDMENT is executed on the ~~ day of July, 2011, by and between LAURA OLIVIA EDMUNDS, a resident of Cumberland County, Pennsylvania (herein called "Settlor"), and LAURA OLIVIA EDMUNDS, the same person (herein called "Trustee"). WHEREAS, the Settlor and Trustee created the Laura Olivia Edmunds Revocable Trust by written agreement dated December 17, 1997 (herein called the "Trust"); WHEREAS, the Trust is revocable and subject to amendment by the Settlor; and WHEREAS, the Settlor now desires to amend, and revise the Trust as more fully stated hereinbelow. NOW, THEREFORE, the parties hereto, in consideration of the mutual covenants herein stated, agree as follows: The Trust is hereby amended as follows: Effective immediately, the Settlor and her daughters, BARBARA E. BOYD and SANDRA O. EDMUNDS, shall serve jointly or individually as Trustees, so that they may act together in any combination or any one of them may act independently without proving the death, incapacity or unavailability of the others. " 2. The terms provided herein shall prevail over the terms of the Trust, and ali terms of the Trust which are inconsistent with the amendments made herein shall be deemed~stricken. In all otherregards, the Trust shall remain in full force and effect and is not amended unless specifically provided herein. IN WITNESS WHEREOF, the Settlor has hereunto set her hand and seal as ofthe date first written above. .~ rc,c..n./~o WITNES AURA OLIVIA EDMUNDS, SETTLOR 7L, w ss ,• COMMONWEALTH OF PENNSYLVANIA SS: COUNTY OF CUMBERLAND On this, the day of July, 2011, before me, a Notary Public, the undersigned officer, personally appeared LAURA OLIVIA EDM[TNDS, known tome (or satisfactorily proven) to be the person whose name is subscribed to the within document, and acknowledged that she executed the same for the purposes therein contained. IN WITNESS WHEREOF, I have set my hand. and official seal. No Public ao~,,Tx of r~snvnrun NOrrARTAL 3BAL B~stPT~ amobalm~dCo~ty Nmmia~ion expires Noveanba 19,2013 The foregoing Trust Amendment was delivered and accepted. on July ~~2011. ~~~~• WITNESS LAURA OLIVIA EDMUNDS, TRUSTEE TNESS 2 PA REV-1500 SCHEDULE E CASH, BANK DEPOSITS MISCELLANEOUS PERSONAL PROPERTY -+. DECEDENT ESTATE INFORMATION ' 1. Name(s) in which the account was held: LAURA O EDMUNDS (PRIMARY OWNER) 2. Account number: 592090 3. Balance as of Date of Death: $46.02 Balance Accrued Dividends YTD Dividends Opened Regular Savings: S1 $46.02 $0.00 $0.00 1/30/1998 Christmas Club: S2 Money Market: S16 Checking: S4 Money Market: S16 S5 Certificates: Balance Accrued Dividends Certficate Number YTD Dividends N/A 4. Date the account was initiated: N/A 5. Name(s) in which Safe Deposit Box was held: N/A 6. Date the box was initially rented: N/A 7. Branch address at which the box is located: N/A 8. Loan Information: A. Unsecured Loans: L14 Classic Vsa Card Balance .Accrued Interest Per Diem Int N/A N/A C. Mortgage Loans: N/A $ $ $ $ $ $ $__ $ 9. Miscellaneous: w • 3 S f ~~ ~~~Z11 ~~5 Slide past your next loan payment! It's-easy with our skip-a-payment option. Great for unexpeoted expenses. Learn more at beleo.org. JONYT OIA~11ER5 LAURA 0. EDI[UNDS 2005 HARVARD AVE CA1M' HII.L PA .17011-5428 8011108311 7MN w-es7erE DESCRIPTION AMINOI~NT E F ~ BALAN~ DATG ~~ 0801 PREVIOUS BALANCE S1 -SAYINGS 4 0 0831 NEiT BALANCE ~ 0 RAFT AND RETURNED ITEM FEES S - S1 - GS S 1 ~ TOTAL FOR ~ 0 AL ~ THIS PERIOD ~ T -DA TOT RAFT FEES ~ $ 0.00 ~ $ 0.0 TO i RE ITEM FEES ( $ 0.00 ~ $ 0.0 , i i ~ ~i' OATe - T 00 0 + ~ irevs 0.00 . ,~t~'ti~~ .rraa la'N~71wf~Y~Y,6 American Water P'0 Bvx 5600 C#~erry Hi11, NJ 08Q34 INVOICE NO. 0633719 `.090111 .063-3719. 090.111 Call Center Fhone 1-800-652-6987 COMPA~PY Nd:/N~ RE114ARI{S 24 Penrlsylv8n3.~. AWW .CREDIT REFUNb 24 PennsylvaAia AWW ~ CREDIT RE$tJND Check No. -74028146 Check Date - 09/21/11 Stub 1 of 1 INVOICE'AMQiJI~['I' 25;'52 10.99 3b.51 50608956 Laura 0 Edmunds Camp Hill, PA 17011 u'74028i46i~' x:031202??0~: 802623?49iu' J V 0 ti 0 w ~ ~. .~ . :: ,, .~ r , ~~rt .fir ;{. * ~~* ,~. ~ b , ..~`. ~, ~~ ;.;~ f. r r + f r ~ ~` ~,~ ~ { ~ r x ' o ~" ~ t ,r ~ h ~ r F }4 Pi ' ~ ~~ ` J ,IJ Y T ~ ~ ~ ._ ~~a~b f *' ti .V E -_ P~ pR ~~ ~'~ate of 7~ ~ _ WgRNlN _ __ _ G ~ FED ~ ~ s~nrea w~-xn -- FA~(~jgE ~ READINGS N G TATE ~wS u~ue~ ~ ~~~ ~8 a _ FINES AND/©R IMpR,S pN R ROVIDIN~ W~ HuTRH~ THar YOV STq E ^°~--g u-e „~,~ ~ MENT, A FALSE STgT EMENT q~q OVyNERSH~EA~E PI~~ be ~MPp~T Y RESULT IN sign~~ b ~u n~ fn 11~ ~ noi~ NT NOTI~ . s ~ a ~ of Vehfcle a9rent who i~ ry ~On on thts f emp ~ The stgn$~ e~~~actu"e~~ cent as a ye~, veriNcation of ~~ nu ate of ~rtf nd P+tnta~ n~iers and ~ e d~t~' by ~ f Personls note ntber lDIN won. the i me of ate / Persons, a, ~nsyhania ~~ don. yehlct,Q ~ bustr~ss ~ uln9 agen~~ utn9 ags~ a' ~ ~~~ 1s shtP's wehed tO admini~~~a"a lts ~~~~rmust ~ 11~~ ~" l~nt~ a9~-nt~s ap ado f9-n oMy t Space lder~ttf~ ~r-t ~ ~cte~nggPr°~nof $" °~er ~ -~.~, r .o ti m O -r r r n~ •i W f1J Q~ r r •-~ ~~~~ g AfJN-~ ~~ 0 I O = 1- 8 S • T Q T ~ ~~~~ ~ N ~ S n^ ~J ~ m ~ D~ r ~ ~ rrii . ~ ~ ~. >v c .o u°~8 ~ _o~ N ~ ~ a~ ~; -.~ ,, pC ~ a ~ ~, ~ ~ OO , m v J r" v D D O~ T ~ D ~ zz Q n ~ ~ D v ~ A y, r •c ~ r ~ >f * o v w ~ ° m ~ N r ~ ~ 'r $~9. 8 ~ : ~ ,~ _~ ,~ m ~ o ~ ~ , ~ o o t ~ N n P t=7 N O~ H O v a ~n o~ ~I ~ a 'SN381j 319151/1 H11M HtldWd3ldM d S3tJf11~N1 H3ddd SIH1 _/ '~ ~ ~ T4!'115411 Tama (1 Tiei~mineia (18131 /9 01 1 ~ 1 t~0 oep~rsnent of eve Troa*ev_tMe,~et Reve~e.e Sarvk. ~ ~ 011 ~ ~ U.S. 111dividUAl InCOme Tax Return oMS Nto. ~ sas-oo~a ~s uss or+y-oo ~ ~ a s~ r. + . ev.~. Far tiw ~.-,~.1-Dec. ~, 2al ~. ~ a6~er tax yeerbe~nnig . 2ott, «~ . 20 see separate irrsiructions. Your fast name and initial Last nerve Yar soolei arora~Ry raasber Laura O Edmunds 176-34-9020 ff a joint return, spouse's first trams and initial Last name Spoua's soot seouilgr rwrrber Honor address (number and strwt). ff you haw a P.O. box, sss instructions. ~ nO• . Males curs tM SSN(s) above 2 0 0 5 Harvard Avenue a"d O" ~"' ~ a"' CO""~' sty, }avert or poet orate, and aP cods. ~ you hsw a foreign address, abo oornpMteapaces wow ts.. PrseiderMlel BssYon Carfpdpr Camp Hill PA 17011 a"drl"'''xy°Y'0'y01fp°r"'~N"a Foreign ca+~'Y name Foreign Provkrcdcourrty Forei~ poelal Dods j°~' want fs b go tothi werd Clied3g a box bebw wi not drenpsyaur to ar reherd. ^. Ya,r ^ ~». Filing Status 1 ®single a ^ Head of household (wRh Quaifyirrg person). (SM irietructiona.) If 2 ^ Nettled flung Joints seven it ony «-e h~ Irlcome> the q person is a ~ but not year deP~ne. «ner this Check ores one S ^ Nettled flung aeparartely. Enter spouse's SSN above ds7d's name hen. - box. and Ar9 name here. - 5 ^ QuegyfrlQ wklaw(erl with depertdsrrt child Exemptions ea ®Yottrseli: If someone can dim you as a dependent. do trot check box 6a . B ~ ~ ~ '~ 1 b ^ No. of efiiiriran It more than four dependents, see Instructbns and check here - ^ ~ ~ (t) ~~ ~~ (~ tieperrdenrs nodal aea.i4r rsasber (3) oeperrderd's reletlorreiip is yea to I K alild ruder a0e f 7 ~°) eneerMtta: • iw.a «ret tf~ • did not ~. vela, you dras to dhroroe (iee~ttiawq Deperrdenrs an Qe ~~,~ Add msnbers an d Total number of exemptions dadmed Nrees ~~ - 7 etc. Attach Form(s) W-2 Wages ~ 7 Income ea . , ~ Taxable hrterest. Attach Sdtedtrle B H recFtired 8a 581. b Tax~xanpt Interest. Do not include on the 8a 8b ,.._ ~.:~~y W~Oh ~~ tie Ordrtary dNidends. Attach Schedule B ff rec~ed Yn b QuaNfled ~vidertds 91- attach Fonts W-ZO and- 10 credits, or otrsets of state and bcal Income taoces Taxable reftxtds 10 10fip-R if tax 11 , Alimony received 11 was ~~' 12 Business income or (loss). Attach Schedule C a GEZ 12 13 Capital gain or (kiss). Attach Schedule D K requinjd. H not required, check here - ^ 18 If you did not 14 Other gains or (losses). Attach Form 4797. 14 get s W-2, iris 'IRA dBtr~UtfOrls 15a b Taxable amount ieb see instructbns. lea Pertsbrta and amuities lee b Talrableanwtrnt 18b 5 691. 17 toys{ties, partnerships, S corporatbr-s, trusts, etc. Attach Schedule E Rental reel estate 17 Enobee. but do 18 , Farm income or (bss). Attach Schedule F . 18 not attach. any 19 Unerr>pbymerit compensation _ _ 19 ~~ 20a Soc9al security benefits ~ 20a ~ 9 , 7 7 2 . ~ ~ b Taxable amount tab 0 . P use Form 100-V. 21 Other Inoorrre. Ust type arm amourd LTC 21 2 842 . 2Z _ _ ___ _ Combine the amounts h ttte far right oolurm for 7 through 21. This b yowtoW fnosme - 22 9 114 . 2S Educator expenses ~ . rt Adjusted Gross u cetm~r a teeerris~, periorrrirtg artists, orb fee•6eab gownrnent otlid~s. /~ctt Form 2t06 «2~aft-¢ 24 Income ~ Health savings acooturt deduction. Attadt Form seas 25 26 Movk'1g expenses. Attach Form 390;1 2a Z7 DedtrcUble part of self~mployrrterrt tax. AtOtclt Schedule SE 27 28 Self-errq~loyed SEP, SIMPLE. and gt>.alifled piarts 26 2e eyed heattft instuartce deduction 30 Penalty on early withdrawal of savings . 30 ,~: _-: S1a Airrlorry paid b Reciphfnt's SSN - 81a S2 IRA deduction . 32 33 Student ban Interest deduction . 33 34 Tuitbn and fees. Attach Form 8917. 34 36 Domestb productioh actlvifles deductlorl. Attach Form 89Q3 3ti 36 Add lines 23 through 35 38 S7 Subtract lkte 36 from fine 22. ThIs k your adJustod Income - 37 9 114 . For Discbwro, Privacy Aot, and Paperwork RedtuKlon Aar (Vlotioe~ see separate iftstnwKions. Bpp Rev ~zAtm TTMac Form 1040 (2011) PA REV-1500 SCHEDULE F JOINTLY OV~VNED PROPERTY .. . .. .N _.......,.._., ....... ....... `~~ ~} . r` 4•t~E~~GpS '~ ~ 1153 .,5 p, ~ ~~ P,~ J Tax Parcel No. 0122-0536-179 Camp Hill Borough Tffi3 DEED is made the 25'" day of October, in the year two thousand five (2005). BETWEEN LAURA OLIVIA EDMUNDS, party of the first part, GRANTOR, AND LAURA OLIVIA EDMUNDS and SANDRA O. EDMUNDS, as joint tenants a-ith the right of survivorship, parties of the second part, GB;A. WITNESSETH that acid pally of the first pmt, for and in consideration of the snap of ONE AND OaligO DOLLAR (S1.A0), lawful mo~yofd~e Unital States ofAmaics, well sad trntypvd ~y. the said partioe of the second to the said party of the first at or before the sealing end del~'~a~- there gresa~tb, receipt wheroof ~ hereby ackrwwle has hereby gcanbed, sod, aliened, eafeoffed, released, conveyed sad confirmed, and bythese praants does gcautb~~~un' ,sell, alien, enfeoff, rdeasq convey and confirm unto the said parties of the sa~ond part, their heirs, auotxasors and. assigns, ALL THAT CERTAIN piece or parcel of land, situate in the Borough of Camp Hill, County of Cumberland and State of Pe~nnsylvenia, mare particularly bounded and desedbed as fellows, t0 wit: BEGINNIIVG at a point on the south side of Harvard Avenue (60 fat wide) at the div line between Lots Nos. l S9 and 160, Section "D", as shown on the ha+einatter mentioned plea o lofts; thence South ? degree 12 minutes East aIloag Lot No. 1 S9, Section "D", one hundred fnartyfive (145) feet tD Lot No. l S3, Sa~ion "D"; thence Smith 82 degrees 48 minutes West along said Lot No. I53, Bodice "D", siaty- (60) feet to Lot No. 161, Section "D"; thence North 7 degroes 12 West along said Lot No. 161, Sadion "D", one himdi+ed fort~five (145) feet to the south aide of Harvard Aveove; thm~ve North 82 degroes 48 minutes Bast along the south aide of Harvard Avenue, sixty (60) feet to Lot No. l 59, Sa~ion "D", ffie place of BEGINNING. BEING Lot No. 160, Section "D", in the Plan of College Park as recorded in the Cumberland County Reootdea's Office in Plan Book 4, page 108. HAVII~TG THEREON ERECTED a one and ono-half story bride dwelling house, known as No. 2005 Harvard Avenue, Camp Hill, Pennsylvania. BEING the same which Laura Olivia Edmunds, Trustee of the Laura Olivia Edmunds Revocable Trust ~al~soanber 17, 1997, by her deed of even date ha+eovith sad intended to be recorded immodiatdy prior heroto in the Cumberland County Recorder of Deeds Ot1YOe, granted and oaaveyed unto Laura Olivia Edmunds, the Crrantor het~ein. This decd b ezcauded from realty treader taz #s s trsnsfer from mortar to molder sad daag6ter. 7Z P.S. X8102-C.3(6}. 900K ;Z~'j, PAGE3~~ _..... ....r,._...._,~,....~._..._ ti TOGETHER with all end singular ffiebm'ldings and improvanerrts, ways, streets, alleys, driveways, P~sges, wata'a, waterooursGS, rights, h'berties, privileges, 6a+editaments and ap~urteaanves, whatsoever unto the ley granted Premises belonging, or in any. wise appectaiwng, aad..the reversions sad remainders, rents, issues sad ~oSts tharooi; sad all the estntie, right, title, interest, p~n~pd~ty, claim and demand whatsoever of the said Grantor, as weU at law as inequity, of, in and to thhee same. TO HAVE AND TO HOLD the said lot or piece of ground abovadescxr'bed, with aU and singular the buildings and 'm~r+ vanents tharoon erected, hereditarnmts and promises ha+eby granted, or mentioned .and u~do~ed so to be, with the ~prttteo~oes, unto the said Grantees, their bars and f, to sad for the only proper use, and behoof of the said Clraatees, their heirs and assigns AND the said Grantor, for herself, her heirs, exaxrtors sad administrators, does covenant, premise and agroe, to and vrith the said Graateas, their bars sad by these p~eeats, that they, the said C3rantor and her heirs, all a~ singular the ~pranises heroby graded or mentioned and intended sotobq withthe untothesaidGrantees, thenhdrssad therm, the. said Gnmtor and her and against all and person sad lawfully claiming on to Maim the same or arry Patc thareo~ by or under ~, them or say of , ahau and will, subject as aforesaid, SPECIALLY WARRANT AND FOREVER DEFEND. TBE LAW FIRM OF GATES, HALBRUNER d~E HATCH, P.C. HAS ALTED AS BQtIVE1~tER ONLY AND HAS NOT SEARCHED THE TITLE TO THE P7QEM>(SES HEREIN CONVEYED. eaaK 271 Pac~311fi IN WITNE53 WHEREOF, the said party of the first part has heT+amto set her hand and seal, the day a~ year Brat vvsittai above. SIGNED, SEALED AND DELIVERED IN THE PRESENCE OF OLIVIA EDIVIUNDS COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS: On this, the 25P' day of October, 2005, before.me, a Notary Public for the Comanonwr~th of Pemnss-lvania, the undersigned officer, personally appeared LAURA OLIVIA BDMUNDB, known to n~ (or satiafacborily Govan) to be the person whose name is su~aCrtbed to the vvitbin inatrtimem, and admowled®od that ahe ezecarbed the same for the parpoat ther+ran contained. IN WTI'NESS WHEREOF, I herosmto set my hand and official seal. • Notary tc~ C M T PENN VA LeMoyne HorS~G~anbe ~dPnbfic My Coaomieefon Expiroa Mar. 18. Member; PennevNenfe 0.ssn.~fetion ej Mcm+ries 900K 2~~, PAGf3~,~,'~ __... --,..._ _ . _ .~.w_.. ...._ ... .~ ....... _ . _.......,,....~.__...,.__<-. ,~ CERTIFICATE OF RESIDENCE I hereby cx~rtify that the present residence of the Grantees herein is as follows: Laura Olivia Edmunds and Sandra O. Edmunds 200S Harvard Avenue Camp Hill PA 17011 RETURN DEED TO: Mark E. Halbruner, Esquire GATES, HALBRUNER 8t HATCH, P.C. 10.13 Mumma Road, Suite 100 Lemoyne PA 17043 Attorney for Grantees ~ THE SPACE BELOW HAS BEEN RESERVED FOR RECORDING INFORMATION. c ~:~~`iiy this to be recorded ~, {~;uniberland County PA ,; t,; j, ,, ~{~,.r `~.;;~ recorder of Deeds goox 271 PAGE3118 t av.,peraty co+w.~a~wuux a rsi~nv~ ~. ~... ~n~ c ~ »~ a.d ~. ~ r>:~rr.~. wt b w~rsrk baudar• (1)~~islrlNaa~iM ~-C~iwl~ A COR ~•~ NarN 'Y N:!/R TAX o~ rAUa ...~o..i ~ 1i 1Mfri s.Mr.ratrtr ~ is dlrlaad. A ~1~1s~o~ of Vdro i 1013 Mumma,Road, Suite 100 s T~AN~lRR oATA Laura Olivia Edmunds Revocable 2005 Harvard Avenue Camp HiII PA . ~C PROl~RTY LOCATION 2005 Harvard Avenue ey ` Cumberland Q YAWATION oATA L00 E a.. ~ '3r~ P, Laura Olivia Edmunds ~t v:a oNtr wli°y ~ bay we 717 ~ 731-9600 17043 2005 Harvard Avenue 17011 Hill ~ PA Borou of Hill as ~P Hai 01-22-0536-179 + 0• :1.00 x ~ 1.00 ~ 5133,380.00 1701.1 100% ~ ( 100% ~ 2. Ciroek A/'wMfab ~ Mbw bar ClaM~od ^• VVI! or irMul~ailo weassfen ^ Tramhr b InduMrid DawkpiMne A9srrey. . ^ Trorofsr b a trwf. (AMadr ~P~ oar of Inal aposarsr~ Idoaaylp d bonsaciortss.) ^ Tronsfit bMwwn prUrcipd and aooat. ~h °°wP~ ~Pl! ~ ~ Pah~ aYr»~«K•I ^ Trams to rho C~aaMr.oNh, dN IhiMod Sraos sad 6wrowonl~lAss by 9iA, dsdios~iea, aendanaoNen or to Aw of aondsranetiea. (IF oondsranoNon a it IMa of ~, apadr ~iT of rowhAfoa,) Trams boar werloa~w to o belds~ aF a n~orl0a~s •M dsfa.M. Mal~ooo ioek NowbM , ~P WOK ^ Coeneltvo a ma~irina~ory dsod. (AModr ao% aF Nw peior dMd bdnY aonrelad er a°rArraod.( ^ 31aaMery aaporoh o°ruokdaNon, w~ryor ar dMstia. (Atlodr oepp of arNdrrsa ors.. (riw~e agrloia .ucnipAon damn(, a aAar Ihan w.d abaw.i Transfer for nominal consideration from the lrusbee of a living trust to the setflor of the living tn~st. I72 P.S. Section 8102-0.3(9.2)] tl~~l*s of Irw.1 ~a Nr~ 1 iw aa~a.i~rd rli f~.~.r.~. twrlrri,a.w.'.rrrl~ra i~si«,r~Mo.,, ark to NN Mwaf wf- Iw~wMrN ..d Wsi,1F it trw, ~M and Nar~1a ... r ; ~. - • FNL118t A0 OOAI/L~R'INK liO~M /80~NCY OR ATTAt31 AMIICAMS OOWMr1irAT10N MAY aKW.T N t'N! a~00~0!'f tltAiAL TO R10DRp 11110MO. . ...... BOOK 27~. PAGE3~„i. i ~ nemq, wu. uew ya h. uimi Edmunds Un'rform Residential Appraisal Report. Flw. Loo35o The u e d this summ ' al fs to vide the lender/ctlent with an accurate, and s ion of the merlcet value of the su ecf Address 2005 Harvard Avenue C' Cam Hill State PA Code 17011 Borrower Client: San Edmunds Owner of Public Record Edmunds Cou Cumberland L Descri n Referenced in Record Book 271 P 3115 Assessor's Parcel ~ 01=22-0538-179 Tax Year 2011 R.E. Taxes S 3022 hborhood Name Cam Hill Boro Ma Reference 01-22-0536-179 Census Tract 0105.00 flCCty M Owner Tenant Vacam tort Assessmerds S N/A PUD OA t WA ar ar march ' Pro R his 'sad Fee Si a Leasehold OArer describe eld T e Purchase Transxtlorr Refinance Trarrsacdon Other describe Establish the market value of the su act " AS IS" Lender Kent Client: Sa Edmunds Address 2005 Harv b Avenue Cam Hill PA 1 011 Is tlIe s 'act offered for sale or has A been offered for sae m the twelve mordhs to the effectlve date of this sisal? Yes No doh source s used olfe ' e s and dates . Public Record and Area MLS Verified 09/12/2011. Su 'ect has not beery offered sad in the last 12 months. I ~ ®dkl not analyze the contract for sale fa the subject purchase iransac8on. Explain the resuhs of the analysis. of the contract far sale or why the analysis was not ed. Public Record and Area MLS Verified 09/122011. Su 'ect has not been offered for sale in the last 12 months. Contract Price $ MarketValue Date of CoMyact A Is the seller ~ nor of record? Yes No Data s Public Record b thane any tkranclal assistance poan charges, sale concessions, gNt a dowrrpaymerd assistance, e~J to be paid by any pady on behalf ofthe borrows? ^ Yes ®No A Yes the total dollar amourd and describe th Items M be paid- _ _ NJA_ . _-- -------Public Rec rid and---- MLS VerMl 0911 011. Sub has rat offered for ale In the last 1 months. _.__ _.._ . -._ ....-__._.___._. Noce: Rees end the recta of the a-e not hcten. fdiOthDOd Chlrso6lrlstke One-WYt ,Trstrde 0[Ie=Ur11t - l:etrd We % Lacatlorr Urban Suburban Rural P e Values Increasin Stable DecGM PRICE AGE Orle•Udt 80 % Bunk-U Over 75% 25-75% Under 25% Dem Sho a In Balance Over i 000 2.4 Unit 5 % Growtlt Stable Slow Marke6 Time Under 3 mtlls 3.8 mlhs Over 8 mArs 120 Low 40 MuAF % Boundaries South is Route 581 NNorth is Market Street West is 31st Street East is 18th 230 100+ Corretrerciai 5 % gent, 175 Prod. 70 OArar 10 % Nei boyhood Descd See Su emental Adden um with comments. The inapt si le famil twusi value to better in a of 150 000 to 75 000. Predominant is er re rted as 30 ears to 90 ears. Other ants vacant round. Market Conditions Includi su for the above conclusiars See attached Su emerrtal Addendum with comments. DimensiDns 80' x 145' ub c record Area .20 Acres Recta ular View rberr Ale ZaM Classi8c~fon R identlal Zon D on R 2 / allowi si a farm units Zod C lance L Le Noncord GrandF~herod Use No Zon IU describe b the est and best use d su as roved or as sad r ens ands iflcations the resent use? Yes No M No descdbe I Prbik Odrer(deeaibe Publb Otlrer(deecribe OR-efle - PldrOe f9lvets Elecbic' 200 am Water Street Paved As haR Gas San' Sewa AAe None FEAtA Rood Hazard Area Yes No FEAtA Food Zone X Fl:MA #r 420357-0281 E Fl7dA M Date 16/2009 Aro the tdAAks and off-site i cal fa the market area? Yes No AND describe Are there an adverse site cotlditlars a external factors resemems encroachmerds environmental cotrditlons land uses etc. ? Yes No A Yes d~crbe were no noted adverse or unfavorable easemerrts or encroachments noted. Urdb One One with Acces UnA i of Stodes 2 `Faurrdatlon Exterior' oPrriNtlon Corrode Slab .........,Crawl S e fvundatlon WaAs CorxxeteBlk/Av Fbors W Fuq Basemant P~ Basemant Exterior WaNs Bride Vi A WaOs T DaL Att. S-D UnA ad Under Const. Baaemerd Area 722 s .fL Rod Surface Com hi Ie/Good T tdsh Good Basement finish 80 % Gutters & AI um/ Bath Hoe Des a 1.5 Sto Y~ BuIA 1950 Outside E /Exit Sum Pum Window T DoubleH Bath Wa6ecaf Evidence d Irdestatlon Storm SeshAnsulated Ins rxU Nam Effectlve rs 15 Attlc None Settlemerd Scroens Yes/Good Drivewa . • d Cars 1 H FWA HWBB Radford Amerddes Woodslove s Ar Orivew Surface Poured Concrete Stale Stales Other Fuel .Gas Rye e s ~ 1 Fence A of Cars 1 Roor Scuttle CaoNn Cerdral Air CoyrdiAoM PatlolDecit 1 Parch 3 #r of Cars RNshed Hanted Individual Other Pool Other Att Dd. BuIA-in es R orator Ran an .Dishwasher al n Microwave Washar/D ar OBrer describe Rnistred area Ware rode cordains: 8 Rooms 3 Bedrooms 1.1 Ba1h(sl 1 811 Feet of Gross Area Above Grade Additlonal features s fat en efActerrt items etc.. Front rear Io side rch fire ce in sun room 1 Carr ins . Describe the condfAon of the mcNdi needed deterlDrdion, renoooratlonaLrernodelin~aJ. The aubieat exterior is in aver~a a nditlon wffh im ements. No adveree cwnditlorrs were rioted during the_suyJectproperty_sx.~erior viewing. The Interior of the s t i d condition. Floor an and flies are feat o(Uris_plvle home end should fecelve normal aoceWenoe wi1M the market . No conditions rroted. The basement of the su is 8196 oft 1st Moor GLA at went finished with recreation room tau and s e. Are there an feat daficiancies ar adverse canditrorrs that affect the kvabi soundness a strucblral ird of the Yes No A Yes descdbe Does them anerall conform to the ne' hborhood funetronal ub' s e condition, use construction etc. ? Yes No A No describe Freddie Mac Fonn 70 March 2005 Page 1 of 6 Fannie Mae Fo-m 1004 March 2005 Form 1004 - "WInTOTAL` appraisal software by a la mode, Inc. -1-800-ALAMODE Uniform Residential Appraisal Report FlMdF Ldoo350 These are 6 com There are 13 com FEATURE a rtles cu offered fa sale k the s hbolh a sales N the su ed n ' wiBin the t twelve SUBJECT C ARABLE SALE M i ood Nr hom $ 149 900 to 21 000 Made ' e-from $ 141 000 to $ 500 COMPARABLE SALE N 2 COMP SALE ~ 3 Address 2005 Harvard Avenue Ca Hill PA 17011 207 N. 24th 3lreet Camp Hill, PA 17011 _ . _ . _ _ ___.. 3105 Yale Street Camp Hfll PA.17011. 218 N. 2981 Street Hill PA 17 11 Ptmdm m S 0.59 mi NW _ _ _ _ _ 0.81 miles W 0.85 miles NW Sale Price $ MarketValue $ 160 000 $ 168 000 i 177 500 Sale PrIce/Gioss Uv. Area S 98.29 s .h $ 94.79 s .fi . $ 89.46 s .h. $ 104.11 .fL Data Sources MLS PuGR reisersFiles MLS PubRec reisersFlles MLS P bRec Files Verigcetbn Sources Data Bank Data Bank Data Bank VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad'usfinent DESCRIPTION + - $ Ad usimant DESCRIPTION + - Ad ustment Sales or Rnancing .Concessions Conv 54 DOM Conv $8,000. 44 DOM Cash 17 Date of SaleRime 06/01/2011 08J211/2011 0212011 La~tlon Subburban Surburban Subburban S LeasehokVFee Sim a Fee Sim a Fee Sim a Fee Sim le Fee Sim Ske .20 Axes .18 Acres .t4 Acres .2 View Suburban Suburban Suburban S Da n e 1.5 Sto 2 Sto 2 St 2 S ~I of Consbuctlon Brk&Vi UA Freme/Av Brk&Alum/Av Brk6Alum/A Adual A e 81 Yrs Est 81 Yrs Est 68 Yrs t 71 Yrs Est Conditlon Good Good Good Good Above Grade Total Btkms. Badts Taal Bdmts. Baths Tdai Bdnns. Bathe Total Bdma. Batla Room Coutd 8 3 1.1 8 4 1 +3 000 8 3 1.1 8 3 1.1 Gross Area 1 811 s .it 1 688 s .fL +1 200 1 878 s .iL 1 705 .fi. +1 100 Basement & finished Rooms Bebw Grade RecRoom 61 % / 80% Unfinished 100% ! 0% +3,000 Unfinished 100% ! 0% +3,000 RecRoom 1 / 0% Functional U81 Av Av a Av Av Heath B CMrIHUCrrtrtCl CntrlHtlNoCntCl +3 000 CMrIHUWaIIUnit +2 000 HUC E78cierd Items T icai for InferlodWndws +5 000 Inferbr/Wndws +5 000 T e Goa 1 Car Gar e 2 l;ar Ga a -3 000 1 r G 1 Car PaclVPatio~Deck Porches Ratio Porch Patio . Porch Patio Porch Patio Amenitlas Fir lace R ace Fir Fl ace Amenitles None None None • Amentbs None None None None Net Ad ushnent otal + $ 12 200 + - $ 10000 + 1 100 Adjusted Sale Price of s Net Adj. 7.8 % Gross Ad'. 11.4 % 172 200 Net Adj. 8.0 % Gross Ad . 8.0 % $ 178 000 Net Adj. 0.8 % Gross 0.6 % $ 178 800 I did did riot research the sale a transfer of the sub act and l e sales. fl bkt research did dd not reveal an dot sales a transfers of the subject fa dre three ears a to the effectlve date of this al. Data Bootees Public Record rosearch did did not reveal an 'or sales ortransfers of the com table sates fa the to the date of sale of the c sale. ~ Source s Public Record R the resuhs of the research and an is of the " r sale a transfer hi ct the sub and co sobs additional sales on 3 . ITEM SUBJECT COMPARABLE SALE #tt COMP LE SALE et2 COMPARABLE SALE #3 Date of Pdor Sale/frsnsfer No transfer of the sub No transfer of the sale No transfer of the sale No the sale PtMs of Prbr rsnster the last 36 nths in the last 12 marths in_the last 12 oMhs in Bye l st 12 rtanlh s D~a Souroe s Public Record PuWk Record _ Public R~,ca, d _ _ Publ c R o EfiecdveDateofDataSources 09H2/2011 _,-__-__,09/12/2011_._____.__..__09/12/2011 09/ 11 is of sae a transfer his al the sub s ctrl canpsr>bie. nabs _ _ No transfer o(the su~iject In the last 36 rtwMhs. No transfer of the sale in the last 12 months. -- ---.-.-~- - Sum of Sales C 'son roach See attached addendum with additional sale and comments on the Sales Co roach to Value. indicated Value Saks C (ttdlgled Value .Sales The Sal Com 'son son roach $ 178 000 $ 178 000 ~ M S WA Income $ WA mach to Value is the best for deterrnini the Market Value of a residential .The Cost V ue and The Income A roach to Value were considered but are trot a riate for the isal. leer viewed the s 09l'12/2011 but is nested to d the 'sal as of 08/31/2011. Thk appraisal is made ®°as is', ^ subject to completion per plans and spec'rficatlons on the basis of a hypotltetical condNott the tite knprovatrerrfs have been completed, ^ subject ib the following repairs a atkrations on the basis ct a hypothetical conditlon that the repak or alterations have been twntp~, a ^ augect to the totiowi r u'yed ins edton based on the extrao ' assum that the cottditlort a defldenc does not ke alkr~on or . S attach I adder um with sub'ed and sal comments rroted. This a ' al is valid witlw all Baeed on a coplpkle vbuelp~~ of the Inferior and eetteriw areas of the nrbbct properly, delimd scope d work tstsMment of aearstptlorK and Ihnitlng eorrdidons, end appnieer's , my (off apinbn of the market value, a red, of eie rat propeAy tlat Is the subject of ffik roport b $ 178 000 a of 08/31/2011 whbh b the date of end the efhctlve date of tlds Freddie Mac Form 70 March 2005 Page 2 of 6 Fannb Mae Form 1004 March 2005 Form 1004 - "WinTOTAL' appraisal software by a la mode, Inc. -1.800•ALAMODE Uniform Residential Aaaraisal Report Fll.x Ed FEATURE SUBJECT COMPARABLE SALE ~4 COMPARABLE SALE #r5 COMPARABLE SALE #6 Address 2005 Harvard Avenue Cam Hill PA 17011 335 N. 24th SUeet Cam Hiii PA 17011 Prmd to Sub act 0.77 miles NW _____ Sale Price $ MarketValue $ 199 000 S ' S Sale Pdce/Gross Uv. Area $ 98.29 s .ft $ 10916 sg.R, _ S_ _ _, __._ sg.fi. V $ .ft Data Sources MLS Pubkiec, ApQraiseroFges __ VedBcatlon Sources Data B _ ___ VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION + - $ Ad'ustmeM DESCRIPTION + • $ Ad uskrrerd DESCRIPTION + - $ Ad stmem Sales or Rnancing Concessions Other 0 DOM Date of Saie/fime 08/17/2011 Location Surburban Subburban LeasehokVFee Si le Fee Sim le Fee Sim e SRe .20 Acres .20 Acres • Yuvr Suburban Suburban Des n 1.5 Sto 1.5 St of Constructlon Brk&Vi A Brk&Frame/Av AcWal a 61 Yre Est 91 Yrs Est Condtifon Good Good Above Grade Ta41 Bdnrrs. Baths Trial Bdrms. Baths Total Bdrms. Baths Td~ Bdrms. Baths Room Court 8 3 1.1 6 `3 1.1 Gross Livi Area 1 811 s .tt. 1 823 s .tt. s .fL s .ft Basemerd & Finished Rooms Below Grade RecRoom 61%! 80% Unfinished 100 / 0% +3,000 Fulclional A e Av CntrIHUCntrl I CnMHt/WallUnit +2 000 EfMderd Itmu T 'cal for e T for rt 1 Car Ga 1 Car G e PaclyPatlo/Deck Porches Patio Porch Pate es Fi lace Fi ace Amenities None None Amenlies None None Net Ad ustment plat + - $ s 000 + - $ + - $ Ad(usted Sale Price of C R the results of the research and Is of tits REM SU Net AdJ. 2.5 % Gross Ad'. 2.5 % S 204 000 sale or transfer of ttre sub act BJECT COMPARABLESA Net AdJ. % Gross % i and com sales additlo LE ~4 COMPARABLE SALE#r5 Net Ad Gross ral J. % Ad . % sabs on COMPAR S 3 . ABLE SALE AB Oats of Prior Sale/franster No transfer o f the su eca No Uansfer of the sale Brice of Prfor Sale/ftarrsfer the last 36 months in the last 12 months Dale Sources Public Record Public Record Effective Data of Data Sources 09/12/2011 09/12/2011 L4 of riot sale a transfer M of the sub act and co aWe sales No transfer of the sub' in the last 36 mont hs. No of the ale in the last 12 months. is/Commems All of the sales are located within same suburban m ~ area sub .All in al of construction to the su .Provided sal et th su in value and GLA. This is a fired ition the ishi the fair market value of the su 'ed.. The su 'eCt is in Ilion _ 8 DDOAi a value estabflshed from the sales. Most wei h of the ub ed ival is iven t0 sale 1R2. Sale #3 and ff4 to su the value indicated in sale A'2.3etier concessbns t ir~ll 2 - 6 er'cent of the sales rice in the su act market area a are not a relevant corxiitfon In the yalue! of the ProP_eRies. Far this reason. seller concessions are indicated but o not s rt a reduction in value of the sale. Freddie Mac Form 70 Mazch 2005 Fannie Mae Form 1004 March 2005 form 1004.(AC) - "WinTOTAI' appraisal software by a la mode, inc. -1.600-ALAMODE Uniform Residential Appraisal Report l,kX ~doo35o The su act is estimated at 61 ears. The su act use has been si le Tamil residential which rs to be the H ro - use for Unless otherwise noted within the 'sal rt ALL rovided bolos are on final and were the a Set duri of the teal. AILof the sales indicated have been extemall and or interio view b the a raiser as aired the i a sisals. i for hen stable within the a sisal rt it is assumed unless noted in Ure that the roof umbi iUonin s tam -wells s c tanks or case I are in saUsfact condition at the builds is r e ' and free of termite dam e. The leers eats that ere lenders and oth interested ea n fled essionals for their rotedion. front has not been a title search or sure oan lettd on the su that would confirm or deed resMcUons on or alnst the su 'ect . n addition information develo from availabl ed is less noted. Please be seed that blic record is at times slaw a Into . At time of I ~su unless otherwis ed in the sisal none of the items ment' in this' were vial seal is made considers the it rwt t or havin rro effect on the ovesll cal use of the su act as valued in is of Ure or t. The rt. ff of these items are ant Market Value es determined this rt m be adverse) off ed. Sub'ect Photos as 'final taken at the time of the 'ect views and have not been altered. Tire d' slat s nature used on the 'sal is the s' of the a set and used seals. Di i a res the er of Use sal EDI EFT or a-mail. The sofMrare uUliz the a 'set to state the sisal r~ s' seta rtreans of a 'n numt~ that is in the sde control of the The fear researched a row of sales IisU under conVad 'es in the su 'ect area for oom ris n to s one is is ed on the xim to the s act location ve market size verM1 the al resonel know) of the sales and most imilar a sties to the su The sales under and or IIsU in Com rison to Value are the best verifiable sales under act and or IisU similar to s 'ed from d reviewed. This a al is a Summ sal "The I User of this reseal is the Client. The Intended Use ' b ev a the Drat is the sub' of this a to establish the market lue s act to the stated of W of the uirements of this 'sal r form and DefirdUon of Market Value. No add' ' IM or Unintended Users i set." The llne 'ustment when in on the Sal Com son to Value room count area is for he bathroorne i the area of s . Ovesll room court Is considered in Use ad ~ ment for the su 'est. It is im to i or reduce value :This if used wo Id a situation of { i slue or reduci value for the sense situation. count grid Personal was not included in the final value of the su 'est. Value ad'ustmeMts within the a sal are based t on one s~iflo market derived_a,~ tmerrt or I sales ~a is. M t ase ed ai eel tfwusand over a of ZO ears with afro infl f e cost cure for 'r d The raiser is not a essional txxne ins and does rgt warrant t e absenceencx of defects in Use sub' B ement size and finished area of the sales sales, and oa adiv_e I~Gngs is estimated from ~ record re ortin wh n a sleds MLS irrfarmatfon-when avalable and the a 'ears energl knowledgq of the subject-design,Actual verifiable IMormation is not available throw h credible named sources. COST APpI~OACH TO VALUE loot nAul~d by Fmnie Mrs) Provide Gdartn~on fa the IerMer dierd ~ bate the bebw cost and calculations. for the 'pion of site value sum of so eland sales or other mathads for estimati site value ESTIMATED REPRODUC710N OR REPLACEMENT COST NEW OPINION OF SITE VALUE...--- ........................._........:..........................: =S Scarce of cost data DWELLING .R. S _........... _$ Oval' from cost servlce Effective data of cost data .R S ..:...:...... =S Comments on Cost ch s ti area calculations de reciation eft. ........:..: =S attached twildi sketch with dimensions and su 'ect drawls .See Gera .k $ ............. =S ed s emental addendum with comments on the su Total Estlmate of Cret-New ..._........ =S t roach. - Less Ph lcal fvnctlonal External De elation =S eciated Cost of Im vemerd's ........................._.........._............. =S 'As•is' Value d Site Im ants ....~ ............................................... _$ Esfimffied Rertrakri Economic Life HUD and VA 45 Years BIDICATEDVALUEBYCOSTAPPROACH ............................................. _$ APPROACH TO Vq-l~E (not ra~utrstlsbin>'rsmfe.Mtre) _ . Estimated Market Retd S WA X Grose Rent er WA = S WA Indicated Vahle Income h of Insane h Includ'm su rt fa market rat and GRM See attached su addendum for comments on the 1 Value. ash to PROJEC'PINFORMA .: F4R PUDs', is the level er in control of the Homeowners' Associatbn A ? Yes No Unft e s Detached Attached Provide the fdbwi trrformation for PUDs ONLY b the devef rAxdWer is in control of the HOA and the sub act is an attached dweNi unit L Name of Pro'ect Toial number of sees Total number ~ units Total number of units add Total number of antis rented Total number of cobs for sale Data sauce s Was the created the convasion of s krto a PUD? Yes No N Y~ date of conversion. Does the act contain mdtl-dwebi units? Yes No Data Source Are the antis common elemerds and recreation facbities tom ate? Yes No ti No describe the status d tom elion. Are the cannon elements leased to orb the Homeowners' Association? Yes No It Yes descdbe the rental tams and o one. Descdbe comnwn elements and recreational facilities. Freddie Mac Form 70 March 2005 Page 3 of 6 Tennis Mae Form 1004 March 2005 form 1004 -'WinTOTAL" appraisal software by a la mode, inc. -1-800-ALAMODE GA.r......M Uniform Residential Appraisal Report ~i.~ t.oos5o This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a condominium or cooperative project. This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexlty of thin appraisal assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization, are permitted. SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting requirements of this appraisal report form, including .the following definition of market value, statement of assumptions and limiting conditions, and certifications. The appraiser must, at a minimum; (1) pertorm a complete visual inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the comparable sales from at least the street, (4) research, verify,. and analyze data from reliable public and/or private sources, and (5) report his or her analysis, opinions, and conclusions in this appraisal report. INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this appraisal far a mortgage finance transaction. INTENDED USER: The intended user of this appraisal report is the lender/client. DEFINITION OF MARKET VALUE: The most probable price which a property should, bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller, each acting .prudently, knowledgeably and assuming the price is not affected by undue stimulus. Impliclt in this deflnition is the consummation of a sale as of a specltied date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she cpnsiders his or her own best Interest; (3) a reasonable time is allowed for exposurs in the open market; (4) .payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions*. granted by anyone associated with the safe. *Adjustments to the comparables must be made for special or creative financing or sales concessions, No adjustments are necessary for those costs which are normally paid by sellers as a result of tradition or law in a market aroa; these costs are readily identifiable since the seller pays these costs in virtually ail sales transactions. Special or creative flnancing adjustments can be made to the comparable property by comparisons to financing terms offered by a thiN party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the. appraiser's judgment. STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the following assumptions and limiting conditions: 1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised. or the titre to k, except for information that he or she became aware of during the research involved in performing.. this appraisal. The appraiser assumes that the title is good and marketable and will not render any opinions about the title. 2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. 3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an Identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or Implied, regarding this determination. 4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, .unless specific arrangements to do so have been made beforehand, or as otherwise required by law. 5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse condtions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees. or warranties, exprsss: or implied. The appraiser will not be responsible for any such condttions that do exist or for any engineering or testing that might be required to discover whether such, conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must -not be considered as an environmental assessment of the property. 6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be pertormed in a professional manner. Freddie Mac Form 70 March 2005 Page 4 of 6 Fannie Mae Fonn 1004 March 2005 Form 1004 - "WinTOTAL' appr~sal software by a la mode, Inc. -1.800•ALAMODE Uniform. Residential APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that: 1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. 2. I performed a complete visual inspection of the Interior and exterior areas of the subject property. I reported the condttion of the improvements in factual, specific terms. I identified and reported the physical deficiencies that could offset the livability, soundness, or structural integrity of the property. 3. I performed this appraisal in accordance with- the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal -Standards Board of The. Appraisal Foundation and that were in place at the time this appraisal report was prepared. 4. 1 developed my opinion of the market value of the real property that is the subject of this report based on the sales comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them, unless otherwise indicated in this report. 5. i researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months .prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. 6. i researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale, unless otherwise indicated . in .this report. 7. I selected and used comparable sales that are focatonally, physically, and functionally the most similar to the subject property. 8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. 9. I have reported adjustments to the comparable sales that reflect the markets reaction to the differences between the subject property and the comparable sales. 10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing. of the subject property. 11. I have knowledge and experience in appraising this type of property in this market area: 12. I am aware of, and have. access to, the necessary and appropriate public and private data. sources, such as muttlple listing services, tax assessment records, public land records and other such data sources for the area in which the property is bcated. 13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. 14. I have taken into consideration the factors that have an impact on value with respect to the subject neighbofiood, subject property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limtted to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the subject property or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and marketability of the subject property. 15. t have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and Information in this appraisal report are true and correct. 16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject only to the assumptions and limiting conditions In this appraisal report. 17. I have no present or prospective interest in the property that is the subject of this report, and 1 have no present or prospective personal interest or bias with respect to the participants in the. transaction. I did not base, either partlally or completely, my analysis and/or opinion of market value in this appraisal report. on the race, color, ~ religion, sex, age, marital status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject. property or of the present owners or occupants of the properties in the vicinity of the subject property ar on any other basis prohibtted by law. 18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, Ghat I would report (or present analysts supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that. favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). 19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any ttem in this appraisal report; therefore, any change made to this appraisal is unauthorized and l will take no responsibility for it. 20. I idenWied the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. Freddie Mac Form 70 March 2005. Page 5 of 6 Fannie Mae Forrn 1004 March 2005 Fwm 1004 - "WinTOTAL" appraisal software by a la mode, Inc. -1.800-AlJ1MODE C-I.w.....in Uniform Residential 21. The lender/client may disclose. or distribute this appraisal report to: the borrower, another lender at the request'oF the borrower; the mortgagee or its successors and assigns; mortgage insurers; govemment sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser's or supervisory appraiser's (if applicable). consent. Such consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other. media). 22. I am aware that any disclosure or disVibution of this. appraisal report by me or the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. 23. The borrower, another lender at the request of the borrower, the. mortgagee or its successors and assigns, mortgage insurers, govemment sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. 24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, .enforceable and valid as if a paper version of this appraisal report were delivered containing my original hand written signature. 25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Titie 18, United. States Gode, Section 1001, et seq., or similar state laws. SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and .agrees that: 1. I directly supervised the .appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analysis, opinions, statements, conclusions, and the appraiser's certification. 2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions, statements, conclusions, and the .appraiser's certification. 3. The appraiser identified in this appraisal report is either asub-contractor or an employee of the supervisory appraiser (or the' appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the. applicable state- law. 4. This appraisal report complies with the Unfform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was prepared. 5. If this appraisal report was transmitted as an "electronic record" containing my "electronic signabtre," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this appraisal report containing a copy or representation of my signature, the .appraisal report- shall be as effective, enforceable and valid as if a paperversion of this appraisal report were delivered cohtaining my original hand written signature.. APPRAISER cy~rge R. ulsn Signature Name s state Cert Res R~1 Estate Aoor Company Name T ealN Inc. Company Address 801 East Park Drive, Sufte 106. Harrisburo, PA Telephone Number (717) 441-27x4 Email Address rulsh~lcomcast net Date of Signature and Report O9H5/2n11 _ Effective Date of Appraisal 08/31/2011 __ State Certffication # RL000409L __.___. ___ _ or State license # _. _____ _ ..__ or Other (describe) ~ State # ___ State PA Expiration Date of Certification or License 06/30/2013 ADDRESS OF PROPERTY APPRAISED 2005 Harvard Avenue Camp Hill PA 17011 APPRAISED VALUE OF SUBJECT PROPERTY $ 178.000 LENDER/CLIENT Name Company Name Client: Sandv Edmunds Company Address 2005 Harvard Avenue. Coma Hill, PA 17011 Email Address SUPERVISORY APPRAISER (ONLY IF REQUIRED) Signature Name Company Name Company Address Telephone Number Email Addreas Date of Signature _ State Certification # or State Ucense # _ State Expiration Date of Certification or License SUBJECT PROPERTY ^ Did not inspect subject property ^ Did inspect exterior of subject property from street Date of Inspection ^ Did inspect interior and exterior of subject property Date of Inspection COMPARABLE SALES ^ Did not inspect exterior of comparable sales from sVeet ^ Did inspect exterior of comparable sales from street Date of Inspection Freddie Mac Form 70 March 2005 Page 6 of 6 Form 1004 - "WinTOTAI"appraisal software by a la mode, inc. -1-800-ALAMODE Fannie Mae Form 1004 March 2005 Supplemental Addendum FlIeNo.LOOaso Borrower Client Client: Sand Edmunds Pro a Address 2005 Harvard Avenue C' Cam Hill Cau Cumberland State PA ~ Code 17011 Lender Client: San Edmunds COST AND INCOME APPROACH COMMENTS The Cost Approach to Value for homes with an age greater then a maximum of 5 years, the lack of available verifiable land sales or having good available dosed sales for comparison to the subject creates a condition that causes the CoM Approach to Value to be considered inappropriate for use in this appraisal report. This is based on the fact that a cost analysis for a subject property is generally subjective, based on the appraiser estimate of depreciation, cost manuals general analysis for an area, subjective statements from area contractors. The generel analysis of all supports the statement that this generally leads to the inaccuracy of the Cost Approach to Values and leads the dient to improper conclusions. For this reason, although considered, The Cost Approach to Value is inappropriate for use in this appraisal report. The Income Approach to Value is considered inappropriate for use in this appraisal report. This is based on the fad that a typical purchaser for the subject property has an interest in the purchase for their primary residence opposed to the concam of the value generated, through investment, from the possible income produced value. In addition, the veritable information available is not a matter of public record and accuracy is at best considered limited in nature. For this reason, although considered, the Income Approach to Value is considered inappropriate for use in this appraisal report. Neighborhood -Description The subject is located in a residential neighbofiood. Major routes of travel ere located within a reasonable distance of the subject. Employment for the area is rated as good. Major empkryere in the Camp Hill Area include large manufacturing companies; local government facilities and many smaller service companies. The subject neighbofiood Is in a primarily stable phase of its' life cycle with properties in the neighborhood having good appeal with proof of regular maintenance. Supply and demand appears in balance. Property values are stabb and have been for a time period exceeding one year. This,is after e sustained increase for several prior years. Buyer demand appears typical for this time of year in the neighbofioad and is supported by continued low interest rates. Multi-use properties are typical of the neighbofiood and suppoR residential use. No adverse affects on value or marketability of the subject are indicated from their presence. A small amount of vacant ground exist primarily for residential devebpment. Information is supported through public record and Central Penn Multi-list system. Neighborhood -Market Conditions There are no foreseeable economic trends which might significantly influence market conditions in this area. The current mortgage market offers a wide variety of conventional loans with competitive rates. As a result, the terms of financing have little, if any, impact on sales prices. ff interest rates remain reasonable, property values and marketablilily should be good. .Current supply arxi demand are in balance. Marketing time is typically 0 - 90 days for reasonably priced properties. Interest rates are ranging from 4% to 8°k with- Q-3 points typically being paid for origination or discount. Seller concessions, although evident, are not typical of all transactions. APPRAISAL COMMENTS The appraiser has NO current or prospective interest in the subject property or parties involved; and has NOT completed any services regarding the subject property within the three year period immediately preceding acceptance of the assignment, as an appraiser or in any other capacity. ' The subject is over 30 years old but had been modernized as necessary and is marketable in its present condition. The effective age is significantly less than 30 years. frorm TADD - "WinTOTAI' appraisal software by a la mode, Inc. -1.800-ALAMODE Borrower Ilerd Client: San Edmunds a No. L00350 e r s 2005 Harvard Avenue C~ Cam Hill C Cum nand State PA a 17011 Lender Client: Sand Edmunds APPRAISAL AND REPORT IDENTIFICATION This Appraisal Report is ~ of the folbwing types: ^ SeH Corrtained (A written report prepared under Standards Rule 2-2(a) , pereuant to the Scope of Work, as disclosed elsewhere in this report.) ®Summary (A wrttten report prepared under Standards Rule 2.2(b) , pereuarrt to the Scope of Work, as disclosed elsewhere in this report.) ^ Restricted Use (A written report prepared under Standards Rule 2-2 c) , pereuaM to the Scope of Work, as disclosed elsewhere in this report, restricted to the stated intended use by the specified client or intended user.) Comments on Standards Rule 2-3 i certHy that, to the best of my knowledge and belief: -The statemems of fact contakred in this report are true and correct. -The reported analyses, opinions, and cxmckrsiers are limited ony by the reported assump8ons and Ilmitlrrg carditbns and are my pereonal, impartld, and unbiased professional analyses, opinions, and conclusions. - I have no (or the specified) preserd or prospec8ve interest in the property that is the subject of this report and no (a the specified) personal irderest with respect to the partles involved. . - I have no bias wiGr respect to the property that is the subject of this report a the partles Involved with ffds assignment - My ergagemeM in this assignment was not corrtlngent upon devebpmg a reportlrg predetermined results. - My compensatlon for completlng this assignment is not cardingent upon the devebpmerd a reportlrq of a predetemrined value a directbn in value that favors the cause of the client, the amours of the value opiNon, the auainmerd of a stipulated resufi, a the acwmerrce of a subsegrrerd event dkectly reed b the intended me of uris appraisal. - MY analyses, opinions, and conclusions were developed, and tlds repel has fuen prepared, in rrorlfonrely with the Unibrm Standards of Pretessraral Appraisal Prectlce that w in effect at the time this report was prepared. - Unless otherwise indicated, I have made a personal inapecgon of the property plat is the srdrject of tlris report -Unless otherwise irdcated, no one provided slgrli8cant real properly eppreleal assblerce b the person(s) slgnkp thb certltMatlon (K there are excep8ons, the name of each individual providklg slpnMicard real Property appraisal assistance is stated ebewhare m thb repel). - Unless otherwise instated, I have performed no services rog~dng the subject property within the prla three years, as an appraiser a in any other capacity. Comments on Appraisal and Report Identification Note any USPAP related issues requiring disclosure and any State mandated requirements: APPRAISER: 8UPERVISORY APPRAISER (only U rogWrod): Signature: Signaure: Name: Geo . lNsh State Cert. Res. Real Estate A r Name: Desipnatbn: Designa8on: Data Signed: 09/15/2011 Date Signed: State Cer8fica8on #: RL000409L State Certlficafion #: a State Ucense #: or Slate Dense #; State: PA State: Expiraton Date of CerBficatlon or License: 05/30!2013 _ Expiration Date of Cerdficatlon a Ucense: Supervisory Appraiser Inspec8on at Subject PropeAy: Effective Date of Appraisal: 013/3112011 _ __. __ . _ _ . ( !Did Not I'; Exlvrioronly from street ^ Itdeda and Exteda Form ID10 -'WInTOTAL° appraisal soffware by a lv mode, inc. -1-800-ALAMODE Subject Photo Page Borrower Iierd Client: Sa Edmunds Pro a Address. 2005 Harvard Avenue C' Cam Hill Cou Cumberland State PA Zf Code 17011 Lender. Client: Sand Edmunds Subject Front 2005 Harvard Avenue Sales Price MarketValue Gross Lhring Area 1,811. Total Rooms 8 Total Bedrooms 3 Tofaf Bathrooms 1.1 Location Subburban New Suburban Site .20 Acres Qualify Brk&VInyUAvg Age 61 Yni Est Subjt»ct Rear Subject Street Form PICPIX.SR - "4VInTOTAI"appraisal software by a B mode, Inc. -1•BOO~ALAMODE Comparable Photo Page Bonower Client Client: Sand Edmunds e 2005 Harvard Avenue C' Cam Hill Cou Cumberland PA L C 17011 Lender Client:'San Edmunds Comparable 1 207 N. 24th Street Prox to Subject 0.59 miles NW Sales Price 180,000 cross Uving Area 1,688 Toth Rooms 8 Tofal Bedrooms 4 Total Bathrooms 1 Location Subburban View Suburban Site .16 Acres Quality FrameJAvg Age 81 Yrs Est Comparable 2 3105 Yale Street Prox. to Subject 0.81 miles W Sales Price 168,000 Gross Living Area 1,878 ..Total Rooms 6 Total Bedrooms 3 Total Batirooms 1.1 Location Subburban View Suburban Site .14 Acres Quality Brk&Alum/Avg Age 66 Yrs Est Comparable 8 218 N. 29th Street Prox. to Subject 0.85 miles NW Sales Price 177.500 Grass Livk~g Area 1,705 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1.1 Location Subburban Yew Suburban Site .25 Acres Quality Brk8AlumlAvg Age 71 Yrs Est fromn PICPIX.CR - "WInTOTAL" appraisal software by a la mode, inc. -1.800-ALAMODE Comparable Photo Pags Borrower lient Client: Sand Edmunds P Addr s 2005 Harvard Avenue C' Cam Hill Cou Cumberland a PA II od 17011 Lender Client: San Edmunds Comparable 4 335 N. 24th Street Prox to Subject 0.77 miles NW Sales Price 189,000 Gross Living Area 1,823 Total Rooms 6 Total Bedrooms 3 Total Bathrooms 1.1 Location Subburban View Suburban Site .20 Acres Ouably BrkB~Frame/Avg Age 91 Yrs Est Commparable 5 Prox. to Subject Sales Pdce Gross Living Area Total Rooms Total Bedrooms Total Bathrooms Lacalbn VIBW Site ~allty Age Comparable 6 Prox. to Subject Sales Price Gross Living Area Total Roans Total Bedrooms Tonal Bathrooms Locaion View Site tk~agty Age frorm PICPO(.CR - "WInTOTAI"appraisal software by a la mode, Inc. -1-800-ALAMODE Building Sketch Borrower IieM Client: Sand Edmunds Pro Address 2005 Harvard Avenue C' Cam Hill Coun Cumberland State PA Code 17011 Lender Client: Sand Edmunds les Path 19.5' 16.5' F 16' Bedroom Sun Room 27.5 Bath 23.5' ll• s 't .lea '6 f~ q Den h 6' ~ N (~ K1f,Ct1ln Or eedroom Bedroom 'laj 65rntArea ~ r i ~ a y VVIIIgtr00m 6' ll' DInWn 17•$' ~. ~' >v ~ 15.5' 15.5 p~ S.S 17 lz 6, DriYp!/a b nnb• k Ane Ce1Q1~0118 SIIIBIIIe^/ Flrst Boor 1259.8 Sq R Secad Fbor 551 Sq ft Total liWnp Area (ROUrM~d): 1611 s4 R PWnaWkq Area i (Ar Garage -27t Sp R Path - 20).5 Sq R Porctr - 22 Sq R PorCtl 2 JII Sq R easement 721.8 Sq ft Fonn SKf.BIdSkI -'WInTOTAI° appraisal software by a la mode, Inc. -1.800-AIAMODE Building Sketch Borrower Client Client: San Edmunds Pro Address 2005 Harvard Avenue C Cam Hitl Cou Cumberland State PA D Cade 17011 Lender Client: San Edmunds ow"a a"r mma k Arw Celadetloro Summa LFvIrq~Aree Cakuration DetsMs firs[ floor 1259.6 Sq ft 16.5 x 7 = 115.5 32.5 x 13 422.5 27S x 245 = 673.75 4x12 = 48 Second Floor 551 Sq R 23.$ x 4 = 94 6 x 12 72 27.5 x 14 = 365 Total 1rWny Ante (Rounded): 1811 94 R Non-Ilvinp Arne 1 Car Garage 231 Sq ft 11 x 21 = 231 Path - 203.5 Sq ft ~ 18.5 x 11 ~ = 203.5 Porch 22 5Q R 4 x 5.5 = 22 Porch 2 30 Sq ft 6 x $ = 30 Basement ~ 721.8 Sq ft 27.5 x M.5 = 673.75 4 x 12 48 form SKT.BIdSkI - "~nTOTAL"appraisal software by a la mode, inc. -1-800-ALAMODE Appraisers 2011-2013 Certification ~; ~ ti~ ` ~ ~ '~ ~ ° 0 0 ~ ~ ~ $ 3 ~ ~ ~t ' z f ~ '~ ;~ ; , ~ Common . , . weal t~etinsylvania , g ~w ~~ ~,,. ~ : ^ti = D ~ to ~ ,. $ureAU of Pr tlopal Affairs - - f'• PO Bo ~ a urg ~ -2649 ~ ar ~ ~ .~ _ ~ , ~ ~ ~CertiSci-te ~ryPe ~ ~~ d ~ --~ _ Certificate Stat~s~! r. < a .GBrtffietl,ljQ§idetitial Appraiser O ~~, Active ~; t ~ ~ ,,~ V ~ ' L ln '~~ ~ '~ ~~ rt .v nf ~efcati~ ate 8 g ~., 5 ,,~ GEOR~ERANDALLULSH Certl[icate u 1 A t~1.~ - -,` 4~~ ~'~` ti *: ~,. ' `^ _ ,; z - RL000409L' ' ~xpiraflpp T~a;te ' , , ,~ ,. +,. _ 9ti/30/201~ ~,:~ ril ,,, , ~ - r - // ~. ~ ` f.1 - Sipear -: ndilut.Ctld7(ili6S14tIR gfJ'fufcstinrmLatW Skivutiuul.AlTaifs ., ". -, - _ Fonn MAP.Tra(fic -'IMnTOTAL" appraisal software by a la nrode, inc. -1-SQtl-ALAMODE `''_ AlpM00E sy~saitw~ebYalarrwde'Mc.-~'~ ~~Mpp.IOC-'"W'mt~tAl ~P~ PA REV-1500 SCHEDULE G INTER-VIVOS TRANSFERS and MISCELLANEOUS NON-PROBATE PROPERTY DECEDENT ESTATE INFORMATION 1. Name(s) in which the account was held: LAURA O. EDMUNDS LIVING TRUST Joint Owners: Barbara E Boyd Sandra O Edmunds 2. Account number: 123510 3. Balance as of Date of Death: 8/31/2011 $56,616.65 Balance Accrued Dividends YTD Dividends Opened Regular Savings: S1 $5.57 $0.00 $0.00 7/7/1983 Trust Holiday S2 $2,609.86 $1.34 .$5.04 7R/1983 Whatever cub S03 $0.14 $0.00 $0.00 10/2/2000 Checking: S4 $9,127.19 $28.54 $59.32 6/23/2008 Money Market: S16 S5 Certificates: Balance Accrued Dividends Certficate Number YTD Dividends $9,127.87 $7.10 55786 $149.64 $7,141.39 $1.31 65824 $64.70 $28,604.63 $14.01 67484 $296.18 4. Date the account was initiated: N/A 5. Name(s) in which Safe Deposit Box was held: N/A 6. Date the box was initially rented: N/A 7. Branch address at which the box is located: N/A 8. Loan Information: Balance Accrued Interest Per Diem Int A. Unsecured Loans: L14 Classic Visa Card N/A N/A C. Mortgage Loans: N/A $ $ $ $ $ $ $ $ 9. Miscellaneous: f PA REV-1500 SCHEDULE H .FUNERAL EXPENSES and ADMINISTRATIVE COSTS tiTl'ERS-E-I:AR~ER ]~UNERr1[_ I-IU~9E. I:\C. , r : ~. , ~ . ~~!~i;: ~_f°'~,a, ~~.~~ ~ - t90(i M~1RI~T S7REE( C:\.~IP HILL, P&'~'NSYLVA,\la 17011 ~ ~ ~. ~.-~ I ~~~I:~'~ w ~~ ~ ~ '- "~~~~ ~-t ~s~'~~w~. 717-737-9961 717-737x618` PHO~'E Fr1.\ A~ rrs-Ha r nu m xOUEx'(H. ItAR:~ER Slil'P.xVISGR v ln r co rutncl I/l'1l'11 k 1t~liER September 10, 2011: Ms..Sandra Edm<mds . :;..., ~ 2005~Harvard; A'vent~-.. -. _ . .. Camp Hit]:. PA~ 17011 " Services for Laura` 0.. Edmtmds . ,September 3, 2011 . Graveside Package. - $ 220.0.0... 4, - . Charges for Merchandise Selected Ca$ket $:1,690:00 Yau1t 1,380.00 _. : 3,07000 Cash ~. _ . :Newspaper Notice/LflcaY $ 225.00 . Certified..Copies 90.00 Total due within thirty:days, please: $ $ . 315..00. 7, ,. ,. :; . .. _. -Qei~~ ~k.~a8so ~t3g°~ C~1~~~~~ P~~,, ~C;~,t,~suruat~ -' a.77 O° - (s ~F at~ ~t~d' l e irk ~' . _' T~~~~ ~' ~a~~.~~ ~P auyn.~i,,,iz~cc.uuuauanac7~0i9[C-Old/121188eJg1CC~ge ~p•ayP Check # 2933 ~~ a. ~tU• L[Y3~IC TR[TS7' ~ 9 ~ 3 f ~ARYARQ.AYE ~?/' ~~ ~~ C11MP f ill,L, ~A nnl-Std ~/y~~~a D f ~~ .~.,~..,___ -r ~ .co na~~ad -.. ._..~_. ~:~'3L3$a9~i7~; Qb~~~~5ifla+r'2933 .a ... ~.:~ ~ . '_ . ..'r ~~ ~ . ~ F. •~ ~ N p f T ~~ ~ ~~ ~ ~ _ ;~~ w ~ ~-~ :- .,, .. ~ ! s I :. 4 W 't ~ _ --~ ~ ____-_~ Print ' Close ,~,-, 9/14/116:2A AM .The Restaurant Store-Harrisburg 3435 Siapson Ferry Road CaMp Hill, PA 17011 (717) 635--2016 Fax (717) 635-2019 nuoice: 3305782 09!01!2011 11:26 alas Order Iluaber: 2674444 tew NuAber/Description Utv/UN Price Awount 997PUF LATE 7" HI IMPACT 125 1 PK 8.49 8.49 9910CPNF : LAZE 10.25" CMP HI IM125 1 PK 21.99 21.99 999C . 1P 9az TALL UNDREAK 50 1 PK 4.59 4.59 ID-301 L 10C 10HFCL100 HTK HVY YOHT CLEAR 100 1 PK 3.99 3.99 ~.._. 1 ~s2cs . IP 12-14ot CLEAR 50 1 PK 4.79 4.19 :D662TP/TS,OL662,LHCDPET ~M838 DCESSED fiY D SMITH I EA -0.00 0.00 70263 :YH HON 8I8 NO POCKETS YHTE 2 EA 1.84 3.68 went Tvpe: ,' ~,r ID: CA5H16 iH SALES - PEST SHOAE TN: Subtotal 47.53 Disc 0,00 iax 6~ 0,24 TutaT X8.77 Pavxent i 88.77 A~amt Ike ~ 0. i' CK 2833 ~eclc Image hops:/iimages.midatlanfic~coipozate.cug/image/chockimage wasp Check # 2935 rnvs~ o. Ea~uivns~usr ~~~~g~ CM~lPl~[.FA ~7~6 rwtrra~ ~,l . .o-~eo~~ ~ ~~~5 r _ v ~ CP~~o Lrn~ ~~~ ~~~ ~:2~J 3~8dg9?~: OOQ i.'3S iQ~~' 2935 ~- .. .. - ~ ~ ~ ~' - r. :, C ~ }-i L+l A ..c • ... ~M 1 ~ ~ r-. :r 3•~~ '~ J a ~L~ ~ ~r c ~ !s T ~ }: - G. ~ ~ ~ N L?oak K-Y~~ ~ a7 ~ cr- trs ~ ~ It ~ ` .r:_ _ 7 K? '~ !F • ~' L: - 1C 8 __ ~ {t ' L7 r ~ ii C C u . ~~ i.-ra'a~ - ~ J ti7 '~ C a_c *„ ~ ; - it ry x7 y- ~V. i ~ 'G? • f ~ -~ _ _. , _ -.a ~ ~ Q r ~ ~1 O ?G '~ r_ ~ 7 ~ . ~' JJ m C ~? f ~ -: u ~ C q m -1 inti O "~ / ~ ~ C " ~{ .,d ~, i ~ (, T '.s b W ~ ~ r c•. Z Q Print L'.' Close ~f 1 ~ 9!14/116:19 AM ~~ 6416 CARLISLE PIKE MECHANICSBURG. PR 17050 (717) 791-4500 09/02/1 1 OP# 99515 TRANSACTION RETRIEVED: RETRIEVAL NUMBER: 21./62. WG WHITE SLIDER R0 1.99 F 2 @.1.99 WG WHEAT SLIDER RO 3.98 F 2 @ 2/6.00 TSTK BTRSCH KRMPTS 6,00 F 2 @ 2/6.00 TSTK CHC CUPS 6.00 F KRAFT CREAM CHEESE ~- 2:29 F 4 2 @ 1.59 WEG FRESH 1/2&1/2 3.18 F STNYFLD YGT NF PlA 0.75 F STONYFLD N/F BLUE 0.75 F STNYFLD YGT NF LEM 0.75 F CABOT X-SHARP CHED 2.49 F SC TH LEMONADE 2.49 B SC TH LEMONADE 0.50-B EGGLAND LARGE EGGS 2.29 F WAN OG ORIG WAFFLE 2.99 F EDYS MULTI PK BARS 3.49 F STOUF FH MACICH 4,:99 F STF.•FS MEAT LRSAGN 7.99 F STOUFFER'S LASAGNA 9..88 F STF VEG LASAGNA 9.88 F • 2 @ 2/5.00 _ DEER PARK WATER 5.00 F PA DUTCH BIRCH 4.29 B 1 @ 3/12.00 COCA COLA 12PK 4.00 B CAMP TOM JUICE LS ~ 2.69 F CHRM UlT STAG BIG 4.49 BOUNTY VALUE 2 ROL 4.29 T ANNIES BBQ SAUCE 3.29 F • WCH 100x GR JCE 3.69 F GREY POUPON SQUEEZ 2.49 F GHIR ~DBL CHOC BROW 2.29 F 2 @ 1.65 KLNX ULTRA SOFT. CU 3.30 T BRAGG OG VINAGRETT 4.49 F ~, ". SESMARK SAVORY THN 2.79 F~ 3 @ 3.79 tlHKtll LHY'J KtbULH tl.Jr r WEG SWEET RELISH 1,29 F ' ZIPL EASY ZIP STOR 3.99 T ZIP SANDWICH BAGS 3.19 T BL DMND NUTTHIN AL 2.49 F 2 @ 7.22 WEG OR TRK OFF BON 14.44 F WEG OF HAM OFF BON 8.15 F WEG OF HAM. OFF BON 8.07 F WEG OR TRK OFF BON 7.36 F WEG SEAS AN RST BF 8.49 F WEG SEAS AN RST BF 9.00 F WEG OF HAM OFF BON 8.31 F WEG OR TRK OFF BON 7,44 F WEG OF HAM OFF BON 7,99 F WEG IC PROVOLONE 14.54 F WEG SWISS CHEESE 8.49 F WEG SWLSS CHEESE 8.62 F WEG SEAS RN RST BF 8.74 F KOSHER PICKLED EGG 3,00 F 2 @ 4.00 2PK BATARD 8.00 F GRAPE TOMATOES 2.99 F CARROT MATCHSTICK 1,79 F 2 @ 2/3.00 SWT PETITE CRRROTS 3.00.E 2 e 2/3.00 WEG COLE SLAW 3.00. F MARZ RANCH VEGGIE 3.69 F 2 @ 4.99 ORG SPINAC/SPRING 9.98 F MARZ SLAW DRESSING 3.79 F 2.20 lb @ 1.99 /lb WT RED SDLS GRAPES 4.38 F 3 LB PAULA RED 3.49 F 1.53 ib @ 2.49 /lb WT TOMATO W/THE VINE 3.81 F 2.32 !b @ 1.99 /Ib WT GREEN SDLS GRAPES 4.62 F SMALL CELERY 1..69 F -------------- COUPONS -------------- NC NFR COUPON SAVINGS 1.00-F MC MFR COUPON SAVINGS 1.00-T TAX 1.44 **** BALANCE 317.92 MO PERSONAL CHECK. 317.92 CHANGE 0.00 ---------- SAVINGS. SUMMARY ---------- . NFR COUPON SAVINGS f 2.00 ~ SFNlPPERS CLUB SAVINGS f 0.50 TOTAL f 2.50 09/02/11 01:36pm 45 44 13.99515 .~ RdLI:INQ ~tRLkN eEMET~RY COMPANY ~'~'~ 8~ x397 1811 CAg61tLE 146MD • CAIAP NILL, PA 17014 • (y1T) 7614066 ~•--. CEMETERY INTERMENT RIGHTS, MERCHANDISE, AN Contract 8r~ File Folder Name/Number D SERVICES PURCHASE/SECURITYRGREEMENT THI5 AGREEMENT PROVIDES FOIL PERPETUALENDOWMENT DARE. The undersigned, referred to ^a 'Perchuer', hereby agrees to purchua the Interment RIghU, Merchandlas and Serrias destsibad herot^, atibJiet to aecepbtxa aM ary,ronl of the abort named cemeterjr, bare.fret referred to sa'Seller'. Purchaxr: Loxt Nome: ~ m ~1 ~) N (1 .G I I 1 ( 1 1 -I 1' ( I I ~'"" .~ A N~~ 1R 11 I I 1' I S I Mesta' ) 1 1 1 1 1 1 Telephone:: 7,J~ Q'C _~~ SSN: _ _ ~ - IK)B: _ J`~. BmniL• Atlarcxx:, D(`SY)Utcui-~iu~w.rwa and ~ IA-uf=1 I i I 1 1 I I 1 I Ciry: tf A-NIC~I' Mt IL LI I I I smta ~~.i. zlp: ITi-OI.I -. - Co•Purchaaar: Luxe Name: 1 1 1 1 1 1 1 I' I I I I I I I I 1 1 Flrn` ~ .I I I I i l 1. 1 1 1 1 1 1 MFWIe: - I I I I I 1 1 Telephone: ~`) _ SSN: _ DOB: ~__ /,/ Bmail: Address: j l I I 1 1 1 1 1 I l l l l l l l l l l l l l l l _I City: 1 1 1 I L i l 1 1 1 1 1 1 Stara: L~ Zip: Deta^sed: Last Name: ~~ ~ N )~ p C I 1 I I I~ t I 1 I I I Flrst: I. ~ `i R Eg I_ I I I I I 1 I I Middb: Q I I ~ I l 1• I Burial Date: _ 9 r DOB: ~ J ~ 1 / 19 19 .DOD: _ g /. 3 ~ / ~,1 /, ~ / ao ~~ Veteron: a 1 ' Description of Interment Rights to he used: ~I G~.C C's ' '-+ SZf `n2 Memori^Ils.llon Rights: Isxue Certificate of Interment Rightx to: ~ - Addrcxx: ~ City: State: Zip:: - • Interment Rights S "" (Includes Perpetual/EndowmeN Care of S ) • Interment and Rernrding Fees ~ 3G S', CO ~. Outer Bnriai Container Supplier Model/Design MateriuVColor • Outer Burtal Container Inatailation -' MEMORIAL1ZATfON • Memoriai t'sny# . ~(c~l [p,t r (Fd.~ll Supplier Qom)., •N,.d . ~ S Type/Color- C'h~eU t Design/Size .JU ' .~. I.>'~ • Memorial Base t~r:'6. t.,.~P I q ~ .~ Suppticr C•x r .~ ~ ~ ~ rM 2 Type/Color Srhv-. Design/Size `,~ k° ar I (nt~ • Memorial Pcrpetusl/Endmrment Care • Memoriai installation Fee Z q 1 • ~ • Memorial Inspection Fec - • Nameplate/Scroll - • Lettering • Ftower Vase "" Supplier ,Type/Color ~: Design/Size • • Vase Base ~ ~ ~ - Size/Material Notes & Payment Terms (where applice6le): • Urn Supplier Type/Color Design/Size • AdminfProeossingFea • Other y~n.~- . ~ V Lc J~:~, P a~ . lT • Other • Other ; ~ , r • Other f • Other • Other TOTAI:S, ALLOWANCES & TAXES • Interment Rights....i_ ........................................................ ( ) Rewon • Merchandise%Service ..................................:...........:......... ( - ) Repson Applyto ' • Merchandise/Servlce .:...................:....................:..:.........r ( - ) Rwson Apply to oZ ~l_. Sub Total Tohl Taxable ' • Sales Ttlx (if applicable) ......... ............................ TOTAL CASH PRICE t E Less: Down Payment ~~ 4 1 • ~ ~ ~ 4 (..~ 11P"" Other Total Down Payment (~ ) Unpaid Bstance of Totat Gab P>'ice S The Tolel Cash Price is due and payable as of the date of this Agreement. A delinquency charge of percem will be assessed monthly on any balance not ptlid within 30 days of the date of this Agrcamenl. If less than full payment is, fpceived, Seiler shall deduct [he accrued delinquency charge from the amount received end credit the remainder of the payment to the Unpaid Balance. 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E~tJ~ uVII1G ~Rt~ST ~~utv~m~-v~ heck image hops://images.midatlantic~corporate.o~g/image/checkimage wasp Check # 2938 LAURA C3 En-MLJNDS L~IG TRUST '~ 2 9 3 S 71'.uNAR~ 1~tD AuE~, "~` AEti 8 ~,~ ~l~~+a' ~„w.. ~... Rw..N irMwy~•prj ~~iit ~; ~ 3 i 3809~17~: Ot}D i 23 5 ilrl0~' ~9 38 o ~ ~~ ~ ~ x r ~ a - _ ~ ~, ~ X00 $~£ QO'S~i~ i •~1 NaI',~t3 iZ.E~ ~I=L t~ r r ~ ~ ~ _ ~s-- - - - --- -' '~' •=~ e~~' o - e } - .~ { -. i~_ o ~` ~~ . Print Close~f f 1 9/14/116:19AM .CAMP HILL, Pennsylvania 170119998 4134870011 -0097 10/21/2011 (800)275-8777. 05:21:56 PM its ece pt Product Sale Unit Final Description Qty Price Price DONf~RS GROVE IL 60515 $0.44 Zone-4 Ficst-Class Letter 1.00 oz. Expected Delivery: Tue 10/25/11 t (Green Card) R ~ 5 $2 ified Cert .8 Label. ~: 70102780000278416335 Issue PVI: --$8.59 Total. ~ 9 Pa~idh by. $5.60 Change Due: -$0.01 xxxxxxxxx~rxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxzx~rxxxxxxxxxxxxxxxxxxxxxrrxx BRIGHTEN SOMEONE'S MAILBOX. Greeting cards available for purchase at select Post Offices. xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxsxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx Order steeps at usps.com/shop or call 1-800-St 24. Go to usps.com/clicknship to print shimming labels with postage. For other'lrrtormation call 1-800-ASK-LISPS. xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxxxxxaxxxxxxxxxxxxxxxxxx Get your mail .when and where you want it with a sec~e Post Office Box. Sign up for a box online at usps.com/poboxes. xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxx~xxxxxxx~xxxxxxxxxxxxxxxxxxxxxxxxxx Billii: 1000304549420 Clerk: os All sales final on stamps and postage Refunds for ~^antsed services only Thank you for your business xxx>,rxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx xxxxxxxxx*xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx F~LP US SERVE YOU BETTER Go to: https;//postatexperience.com/Pos TELL US ABOUT YOUR RECENT POSTAL EXPERIENCE YOUR OPINION COUNTS xxx~xx:xxxxxxxxxxxx~xxxxxxxxxxxxxxxxxxxx xxxxxxxxxxxxxxxxxxxxxxrcxxxxxxxxxxxxxxxxx i`.:L~~7~tF~~~=~ /domestic P.9,.3f1 .Jr nor delivEr;~ ~~,~~..._ _ ~ , . ti P $ 0 Certiq~ F~ ~ l~oR~me"t ~-~} ~aeM~ ~ Tote! Pc~~ ~ F~ ent c w soxlva ~~+~Q -A~llP~c / X2.85 0$ `~ ~ i~2.30 ~ ,,~ i~0.4D Ii1'~2I12t~11 v ., :,. '~ MS`S SYI ~ S. S 9 1 alal/l( ~~bo~n ~.~~e- ~nsura~~e~ ~p~ ~,~2lrtSU~Q~1ee~, CCa[ ~ Customer Copy no d- ~' f6 T6 T 4 r--. d O Q O. 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U U O +-+ +' LL is is G7 3 m is is ~1 U is is is 4 #,, FAOY: George R Ubh Jadt Gauphen Reabor dba R si L Appraisal A~a:iates 4089 DertyStreet Hartiebrrg PA 17111 Ta11'hare Nraber. 717 5~ 2037 For NanMr. 717 56'I 8775 T0: Sandy Edmllrldc 2005 Harvard Averxre, Camp HiA, PA 17011 Tabpirorr Nuabar. Fax Nrea6ar. AlYmab Number. E-Ibt INVOICE L00350 rD~IE osn2rzo11 b(amalOrdor~: LargerCaaa ~: Gent llla vf: WaF#efooleoe: alnarrisaafaaa: FidrYTax~ LD0350 L00350 r~n,rr,da 23 2157098 ~. __.:_ LNMkI: Cbent Sandy Edrrxrnde Cfi~C Cfierd: Sandy Edmunds Pdolaav/Barraeer. (3iert: Sandy Edmunds Properly Addreea: 2005 Harvard Avenue CNy: Camp Hi Count': Ctrnbertand Slab: PA Zip: 17011 Legal Deeaiplial: Referenced in Record Book 271 Page 3115 FEES _ AMOUNT 5umamry Appraisal Report ~ 300.00 SUBTOTAL 300.00 PAYMENTS ___. __ AIrtOUNT Check/: Deb: 09/12/2011. DaalpUon: Pad in full-GRU 300.00 Cheak/: Dab: Deaaripden: Cheotr/: Dale: Deaoripiion: SUBTOTAL .300.00 PLEASE PAY PROMPTLY. THANK YOU -GEORGE R. ULSH TOTAL DUE ; 0 fwm NN5 -'4Vin10TAL• appralsel SoNware by a b mode, lac. -1-800 ALAMODE T C Really, Inc. Gaapa R. Usb CheckFinage k'> ~ hops://images.midadanticoorporate.org/image%i~image wasp Check # 3445 'jLY7(tit~ nw~cr•_ sa- o s ~~~~ ~,. ~ »,~ ,~ ~~~~ ~- r ~~1 ~ ~ ~~R~a 00 . ~BELC~ ._~ ~.,~ . ,ri-~- • ~. x.23 38Q947~: D004C?66~Q 2~'3titi 5 i .---'"`~ >431301846< . Metro Bank Hub X01 2Q11-~9-13 01751774 ~ `~3 a Print ~ :Close ~'' of 1 9/3W117:23 PM Laura O. Edmunds Mileage Post 8/31/2011 Date Place Reason Miles 8/31/11 Myers Hamer Plan Funeral 0.5 9/1/11: Rolling Green Cemetery 2.22 9/1/ii Myers Harner Funeral Changes 0.5 Royers Flowers 3.68 Wegman's Food for funeral 10.1 The Restaurant Store Funeral-Paper Goods - 4.76 9/12/11 Mark Halbuner Estate 4.12 9/12/11 BELCO Acct work 3.02 9/??/2011 BELCO Death Certificate 3.02 9/??J2011 AAA Cancel LOE AAA 2.78 9/12/11 AAA Researchcartransfer 2.78 See Exp tab Staples 3 trips Fax 7.44 See Exp tab CH Post Office (3 trips Cert mail 12 10/1/11 AAA Car Transfer from Ohi 988.32. 1045.24 PA REV-1500 SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES and LIENS ~ss~iah 100 MOUNT ALLEN DRIVE, MECHANICSBURG, PA 17055 SANDRA EDMUNDS 2005 HARVARD AVENUE CAMP HILL, PA 17011 Form PB-01 RESIDENT # UNIT STMT. DATE 81117 032 P 09/30/2011 RESIDENT S Mrs. LAURA O. EDMUNDS TOTAL AMOUNT DUE 50.00 DATE DUE 10/31/2011 DATE -DESCRIPTION __ RATE .Days/ Units . , :CHARGES CREDITS BALANCE Balance Forward 1,613.40 09/30/2011 PAYMENT RECEIVED -THANK YOUli'. 1,299.40 314.00 ** Nursing Care *** 08/29/2011 RM/ BRD -NURSING -SEMI-PVT 314.00 4.00 1,256.00 -942.00 Q8/26-08/29 08/29/2011 RM/ BRD -NURSING -SEMI-PVT 314.00 3.00 942.00 0.00 ~. i 08/27-08/29 RESIDENT # CURRENT OVER 30 OVER 60 OVER 90 OVER 120 TOTAL AMOUNT DUE 81117 0.00 0.00 0.00 0.00 0.00 $0.00 ~IDENT NAME Mrs. LAURA O. EDMUNDS F~^^ ~~ wa 'tease make check payable to Messiah Village. -1 % finance charge raay be assessed on accounts for which payment has not been received by the due date. Thank you! If you have any questions or concerns about your bill, please address them directly to Fiscal Services st 790-8220. Thank You! LAURA.O. EDMUNDS LNING TRUST X13 2 9 4 3 2005 HARVARD AVE. . CAMP HILL, PA 17011-5428 3 0 a~~ ' DATE PAY TO THE $ ~a q o~~ _ g. r~ """~O~ ARS LI ••••••••~ ~ d ~ ... ~ / G ~ ~~~~~tu~x 0• ~dntun dJ -NEMO ~~ g/I/ 7 .!~ ~o~~u.~C ~: 2 3 L 380997: 000 L 2 3 5 LOON' 294 3 H~.~.~1 PfIARMACY Slis'LtVICES INC. c 219 North Beltimone Ave s Mt Holly Springs, PA 17065 ~`u00-266-9914 (717)486-8606 www.alertpLarmacycom ~~~~'EMENT_ OF ACCOUNT A FINANCE CHARGE OF 1.50 ~ PER MONTH (AN ANNUAL PERCENTAGE RATE OF 18.00 OR A MINIMIIM SERVICE CHARGE OF $ 1.00 WILL BE. CHARGED ON ALL AMOUNTS 30 DAYS OR MORE PAST DUE TH A COPY. ~~ 08/31/2011 ~ .EDMUNDS, LAURA O EDMUL SANDRA EDMUNDS GRP-7W 2 0 0 5 HARVARD AVE PAGE 1 ~$ y~~ 7 CAMP HILL PA 17 Ol l Amourrt Paid PLEASE DETACH AND RETURN TOP PORTION WITH YOUR PAYMENT ~~~ 2 941 LAURA O. EDMUNDS LIVING TRUST 2005 HARVARD AVE. CAMP H1LL, PA 17011-5428 /`~~ ~ /~ DAlE NJCi!! !~ ~Ol~ ~ 5~.~7 DOLLARS 8 f•, B ~:23L3809971: ''1 ~~~a ~X- ~iiL~G~'cp'~ 000 1 2 3 5 L00~' 2 9 4 L IF YOII R$C13IV8 ANEW INSURANCE CARD FOR YOUR ~_ PRESCRIPTIONS BE SURE TO SUPPLY IIS WI n4s~o Enrn~~. GRP-7(.c) k~*~<- ~ k' °~~EDMUNDS, : LPICTRA, O _ -EDMLTL - -081117 :. 08.% '~ 11 7,8;6~8~04' 14 -: ACETAMINOPHEN 325, O1 * 1.59 ~~~'<-d 6y j1oS~auC, 00 ,: 1.59 08/~Z7/11 ~ 78648fl6 3 PLAVIX7S MG 01 24.06 ~.00 ," 24.06c 08/'7/11 786480,7 3 .: DTLTIAZEM•CD 240M 01 8.65 .00 8.650. G !7J11 7864806` 3 LIDODERM 5~ PATCH O1 26.75 _00. 26..75 Oa~27/1T 7864809- 3 PANTOPRAZOLE 40MG O1 13.25 .00 13.25c 08f27/11 7864810 2 FLORASTOR 250 MG O1 * 3.70 .00 3.70 08/28/IT 2043718 30 MORPHINE SULFATE O1 15.00 COVtrtd~ ffOSP~c(..00 15.OOc 08/30/11 7867126 _4 FUROSEMIDE 10 MG/ O1 4.54 .00 4.54c 08./31/11 786830.9: 4 FUROSEMIDE 10 MG/ O1 3.72 .00 3.72c ~~, ~9 .oo - 9.5:. 97 5:.29 I LEGEND NON-.LEGEND swious Balaneo ,thls~month" Finance Ch TOTAL"CHARt3ES Totem ~y~nt a er•d1t. ~~uNT DUE + + _ - . 0 0 101 ..2 6 . 0 0 - 101.2 6 . 0 0 „~„p"1-;-~ =0R ALL PHARMACY RELATED INQUIRES PLEASE CALL Alert Pharmacy Services, inc at 1-800-266-9954 ~1~, ~ 7 SfatemenfTerminolopY on reverse ~: .~ v~ .,~+ ~ ~ ~ C 1 ~ ~ ~`'' N "' ~. ~ ~ ~ ~ ~.. ~. ~ ~ . ~ .~ ~. ..~ ~ ~ ~. ~ ~ ~ .~ ~ ~ ~ ~~ ~~ ~ .~ _~ ~ ~ f .~ ~ v ~ ~ ~.,.. ~ ~. ~ ~ ~, ~ ~ ~~ ~ ~ - ~ ~ ~~~ ~ ~ c- ~ ~ ~ ~~ __ - Stretrker One Way Trans Member T2005 1.0 96.06 g6,p6 Transport Van Mileage S0209 6.8 3.74 25.43 ~ ,d ~ ~a a~~' ~~a~. ~~ ~~ ~ /~ Total Cha es 121.49 rg DESCRIPTION OF PAYMENT RECEIPT PAYMENT DATE AMOUNT Total Credits . 0.00 PLEASE PAY THIS AMOUNT -INVOICE DUE UPON RECEIPT ~ 3121.49 R~TI IRIUFr1 RLIR~_K FF~ _ $Ri nn PATIENT NAME: EDMUNDS, LAURA P CALL NUMBER: Z2124OW AMOUNT PAID: 08/29/2011 ~.._ IMPORTANT MESSAGES: THIS SERVICE IS NOT COVERED BY MEDICARE OR MEDICAL ASSISTANCE. WEST SHORE EMS -BLS 205 GRANDVIEW AVE SUITE 211 CAMP. HILL, PA 17011-1708 £~" >, Image.., Check # 2916 LAURA Q. EUM[J1~IDS LttliNG TRU~f _+ -: GSMPEHL[,.PA ]7~i7-Sim s .. -. 5 reYmn~ ~~ w~ ~, ~ ~ 1 !l d ~l B ~ ~ i:v.r TS hops:!/images.midstlantiooosporate.cng/imag~elcmage wasp ~ X916 o~. ~ ~~/! LARS BF ~ ~:23L38D997~: QOQi~'35i00r29i6 ~'1~I7~~OL2L~.9.~' r2 • ~ T . ' ` ~ ~ ~ ' . _ '~'~ ~ :... { _ .~ L7"t ~ ~ y ~ +t7 .. , .. _ ~~3 i+~~?4~5~+! O 1~1 V =i m f ~ = _ - ~ r ; ~ = _ Print ~- ~ Close ~`. 1 9/14/11 6:22 AM rs;~ at8(t Psge: 3 of 12 ,~`~ " Billing Cycle Date: 08/27/11 - 09/OI/I i Account Number: A64079382546 ~~ Prior Activity 464079382546 Previous Balance o.oo ,. ,::::. n.,,:t.=.~,:.~.r.~. a .r. _...,..~>~~~~.. _ - ,~..... .:-.;.,., ... ~ ':: Wireless Detail 464079382546 Credits, Government Non-Comm Wireless Minutes Msg/KB/ Monthly Usage Adj & Other Fees & Related Number Used MB Used Service Cha es Cha es Taxes Cha es Total II7-309-5333 I15 112 40.83 0.00 2.50 1.84 0.00 45.17 SANDRA EDMUNDS (See e 4 for Detailed Cha es) 717-329-5333 146 89 11.66 0.00 2.50 1.84 0.00 16.00 SANDRA EDMUNDS See P 6 for Detailed Cha 717-439-9066 1,059 210 11.66 0.00 2.50 1.84 0.00 16.00 SANDRA EDMUNDS (See P e 7 for Detailed Ch es) 717-805-838i 3 0 11.66 0.00 2.50 1.84 0.00 46.00 SANDRA EDMUNDS (See e 9 For Detailed Cha 717-979-4673 .238 48 15750 0.00 12.20 9.40 0.00 179.10 SANDRA EDMUNDS (Sex Pa 10 for Detailed Cha '~o~'~ ~~ ~.:u-~ ~:: ~~ k ~~i <, ~.t1fD _ ...r. ......... . 16'7& O;D6 , *.: ~72.2Z. ' ~ ~.-~ Group Details Note: The folbvi!irrg inforntstion summarizes only the shared plan services for your account. For additiorwl information snd details relating to sll other services for a su6seriher, please refer to the arbscn'ber's individual paces. FamilyTalk Nation 1400 with Rollover Shared Minutes Used Wireless Period Monthly Rollover Other Shared Billed Billed Number Service Minutes Minutes Minutes Cha es 717-309-533;1 OB/27-09/i01 11.66 2 0 0 0.00 717-325-5533 06/27-09101 11.66 13 1 0 0.00 717-43&9066 08/27-09/01 11.66 65 5 0 0.00 717-soy-8381 oe/27-o9rot 1t.ss o 0 0 0.00 717 -s7s-4673 osr2 7 o 9~ot 93.3 s ss 2 0 0.00 y y. ~ .~ ~y g ~~?+~ ~ . ~Y~!T! .. ~ i-s...:.2:_ ~i.'r~is~.'t}I5~ .~+. ~ . ~.3L~ _ _fx, .~£: ~.~..1Z...i..: r_eE 3 __ ~.... t ,. ~ p._ a94 Shared Data Used Shared Shared Billed Billed Wirteles~ Monthly Text MMS Shared Text MMS Billed B€Ued Number Servke Msgs Msgs KB , Msg Msg KB Charges 717-309-5333 0.00 109 0 0 0 0 0 0.00 Period 08/27-09/Ot 717-329-5533 0.00 89 0 0 0 0 0 0.00 Period 08127-09/01 717-439-9066 0.00 204 6 0 0 0 0 0.00 Period 08/27-09/01 I,aur•a s p ~.orc~- - CC t~ ^ Page: 3 of 8 Billing C)•clc Uate: 08/06/l l -09/05/11 Accouat Number: ~G~tU12739099 Wireless Detail 464012739099 Credits, Government Non-Comm Wireless Minutes MsglKB/ Monthly Usage Adj & Other Fees & Related. Number Used MB Used Service Charges Charges Taxes Charges Total 7-439-91K~Ci I,G51 I,~SG 7 ~J9 2.(1(1 0.72 0.52 0.00 11.23 );GRAN BARR (See Page 4 for Detailed Char~c~s) ,7-SOi-8381 160 I G.99 2.00 O.Gl 0.4G U.00 10.12 AURA kDMl1NDS (Sx Pa e 5 t'or Ihtailed Cha ~'s1 17-979-4G73 1,024 2G2 9.50 O.UO -5.33 a•44 0.00 93.59 ANDRA GDMUNDS (Sx i'a ~e G fin iktailCCl Cha es) bt>il .::: `' 2,835 :, 1,819 109.A8 - ' 4:00 -3.96' 5.42. 0.00 114.94 COTAL ~AMO~[,fiNT' I)UE ' _ $114:94 croup Details tde: The following infomution wnittmrius only Ilte Shand plan services for your attount. Tor additional in1'onttation ,nd Mails trhuiag to all othersertices for a stducriber, please refer to the sulucriher's individwl pag~5. FamllyTalk Nation 1400 with Rollover Shared Minutes Used -- - Wireless Period Num b er Monthly Rollover _Service A~inutes __ Other Shared _ Minutes Billed _.. 11~linutes __ Billed ._Charges__ _ _ 717-439-9066 08106-09!05 6.99 266 698 0 0.00 717-805-8381 08!06-09/05 6.99 63 96 0 0.00 717-979-4673 08!06-09/05 56.00 468 457 0 0.00 :Total _ >:69 98 '::797. .. _ .:1`;251 0 0:00 _> _ _ Shared Data Used. Wireless Monthly Shared Shared Text MhtS Shared Billed Teat Billed 1411415 Billed Billed Number Setwice Msgs 14lsgs KB 111sg IMlsg KB Charges 717-439-9066 1.00 1532 23 0 0 0, 0 0.00 Period 08/06-09/05 717-805-8381 0.00 0 0 0 0 0 9 2.00 Period 08106-09!05 717-979-4673 21.00 218 9 0 0 0 0 0.001 Period 08/06-09/05 ..Vint .. ....::22:00 :': :. 1750 32 `; 0. .:: 0 0 ;: ; . 9 ,': 2,00 . ~- " ~nci BELCO COMMUNITY CREDIT UNION 449 EISENHOWER BLVD HARRISBURG PA 17111 SANDRA O. EDMUNDS 2005 HARVARD AVE CAMIP kll.L.FA 17011 Dabs. Totals fees charged: 50.00 Totals Merest Charged: 50.00 We figure the interest charge on yotu account by applying the p please call the credit anion at XXXX50 08/'31 /i 1 31 221.46 0.00 10.00 09/25H 1 4399167545689539 Late Payment If we do not receive your minimum payment by the date listed above, you may have to pay a Wamingr late fee of: $25.00 Minimum Payment ff you make only the rrunimum payment each month, you will pay more in interest and it will Wartdnn: take you kmaer to lay off v~our balance Foc example::. ~unly me rrnrnmum~pavment I 2 veers ~ For information on consumer credit counseling services, Cdll S : 1 08!06 -tf t J-331-1135. `. O6/OS SA PURCHASE --~ PATRIOR=NEWS EZ PAY 717-255-8150 3q, 08109 - Oti/09 A PURCHASE CAST OF CENTRAL PA 800-COMCASf 119 08112 08112 fall 151. 08116 OB11S PURCHASE com AMZN.COMIBII.L lg 08119 OB/18 PURCHASE BEAN MAII.ORDER 800-3414341 ISZ 08119 06118 PURCHASE RICAN WA1ER 866-2692837 48, 08119 06!18 SA PURCHASE RC*PAYMENT FEE 800-8'L074% 1. to of Fees obM tees for bhls m Totals Yea Mo- ., ~ P~„ 3~ ti ~ ~ 3i l Zo1 i ~ a.~ a n e,e.. a-, o 37. a to information ~ this method, ~ IHICMCIV I VC' Hl,IrVVIV 1 ~ ayc v v~ -r BECCO COMMUNITY CREDIT UNION Slide pasfyour next loan payment! It's easy with our 449 EISENHOWER BLVD skip-a-payment option. Great for. unexpected expenses. HARRISBURG PA 17111 Loam more at belco.or . SANDRA O: EDMUN[)S 2005 HARVARD AVE XXXX50° 1,, ~:. CAMP HILL. PA 17011 lion: PA LIQUOR CONTROL BOARD LEMOYNE A .1111 t /07/11 WITHDRAWAL *001 1522 -74.7 313'7. 'on: GIANT 6269 CAMP HQ.L PA /09/ 11 UTHORIZID WITHDRAWAL 5540596414 -51. 0. 3085. lion: GLAIC INSPAYME!~1T 12/ 11 IRECT DEPOSIT 1236003133 2 16. 0. 502. 'an: PA TREASURY DEPT PAYROLL 12111 ELCO@NET TRANSFER TO L14 -151. 5150.2 'on: in full / 12/ 11 EBTT/CEO CA1tD TRANSACT *01799-668 -7. 5143.2 'o~n: ONE GOOD WOMAN CAMP HILL PA 13/11 WITHIDRAWAL *IN390-055 -145. 4 'an:: BON-TON CAMP HI 3525 GE CAMP HQ I; PA 13/ 11 WITHDRAWAL *001 9882 -29.5 4 7. 'on: GIANT 6269 CAMP HQ~, PA 13111 W1TfIDRAWAL *IN303-732 -52. 4 15. 'on: TALBOTS ~i0 3214 TRIM CAMP HILI, PA 13111 EBTT/C~C~ CARD TRANSACT *022606393 -35. 4 .5 'on: HAPPY NA)LS CAMPHIL,L PA / 13! 11 EBTT/CHE(~ CARD TRANSACT * 03225 -19.41 4861.1 'on: CAPITAL C[TY CAR WASH CAMP HILL PA / 1M 11 WITHDRAWAL *001 1720 -42.4 4 18.7 lion: GIANT 6269 CAMP HILL PA /13111 UTHORIZED WITHDRAWAL 9991500010 -167. 0, .4651. 'on: ATB~T . PAYM>~1T 13/ 11 EBTT/CTTTECK CARD TRANSACT *001 2217 -29. 4 621 Sl lion: HOSCOVS 00000125 CAMP HILL PA 18/11 WITHIDRAWAL *000003488 -13. 4607.7 '~: PA LIQUOR CONTROL BOARD LEMOYNE A /21/ 11 EBTT/CHECK CARD TRANSACT * 21250 -70. 4 7.7 'on: CARRABBAS #8909 MECHANICSBURG PA 2A/ 11 WITHDRAWAL *251468182 ~3. 4 493.7 Lion: HFSS 38256 LEMOYNE PA 26/11 IRE(.'I' DEPOSIT 1236003133 2 12.5 0. 6 706. lion: PA TREASURY DEPT PAYROLL 25/ 11 RAFT PAID 3435 -150. 6 2911 L EBIT/CEEIECCK CARD TRANSACT * 21266 -50. 6 'on: CARRABBAS x'8909 MECHANICSBURG PA 31/11 1VIDII~ID 2.2 0. 6 .4 ANNUAL PI32C~NTAGE RATE IS 0.65 ANNUAL PIItCENi'AGE YIEIID IS 0.75 ANNUAL PFItCENTAGE YIELD EARNID IS OSS 11 4 lf~l120I~ l+u~ I3/E eriod'ic Rate .01943°6 Annnal Rate 5.600°k, ext Doe Date 09/01/11 Amount 71.20 Ol/11 balance 21 93. 0111 I UI'HORIZED AUTO TRANSF FROM S 4 369.5 101. 0. 21024.1 lion: XFR FROMS 4 a7 1H1 CIVICIV" 1 Vt' "HlrI~VVIV I ~ aye < <+~ '* BELCO COMMUNITY CREDIT UNION Slide past your next loan payment! Ids easy with our 449 EISENHOWER BLVD slap-a-payment option. Great for unexpected expenses. HARRISBURG PA 17111. Loam more at~co:or . SANDRA O. EDMUNDS 2005 HARVARD AVE xxYY~n CAMP HILL PA 17011 1-S I - SII.ZI~VG SAVIIVG ' ' 08A1/11 1 1 Ol/11 vious balance 9136.61 08/ 11 AYMENT VIA OFFICE/MAIL 150. 9 .61 / 12111.. ELCO~NET MBR ~ MBR 300. 8 .61 'on: Have a hi /23/11 ELCO~NET MBR TO MBR -1000. 7 .61 /30/11 EI:Cd~NET MBR'ID MBR -250. 7?36.61 1111 END. 4. 0. 7 741.5 ANNUAL PERCENTAGE RAIE IS 0.30 ANNUAL PERCENTAGE YIII D IS 030 ANNUAL PERCENTAGE YIELD EARNED IS 0.67 /31/11 7 741 2-S - ~LIDAY CLUB Ol/ 11 "ous :balance 0. 3/11 ;, -0. 3-53 - WHA1LfirER CLUB Ol/11 'mss balance 115.1 1/11 IVIDEND 0. 0. 1.15.1 ANNUAL PERCII~TAGE RATE IS 0.25 ANNUAL PERCENTAGE YIELD IS 0.25 r ANNUAL PERCENTAGE YIQ U EARNID IS 0.20 1111 115:1 -SAVVY SR Ol/11 'vns balance 3 5.1 /31/11 WITHDRAWAL *001 -657 -86: 3 .2 flan:"GIANT 6269. CAMP HILL PA /OI/ 11 UTHORTZI~D AUTO TRANSF T1~ L 5 -471.2 0. 3437. lion: X>~RR T1D L 5 04/11 RAFT PAID 3431 _}50, g 08/11 II2ECT DEPOSIT 1236003133 ~ 100. 0. 38'7 'vn: PA TREASURY DEPT TRAVEL /013/11 EBTT/CEIECKCARD'IRANSACT * .03118 ~5. 3 23 'an: IIVFINIIY A HAIR SALON LEMOYNE PA OS/ 11 WITHDRAWAL *001 31?3 -78.1 364.1 'on: QrIANT 6269 CAMP HILL PA . OS/ 11 WITHDRAWAL *Il~T3041092 31. 3 2.4 'on: CVS 01622 01622- LEMOYNE PA 05/ 11 WTITIDRAWAL *000005065 -20.1 3 12 -- ;. c~i ~~ a7 IHIGMCIV 1 Vt' Hl~l/VUtV l ~ ayc -+ v~ -r BELCO COMMUNITY CREDIT UNION Slide past your next loan payment! It's easy with our 449 EISENHOWER BLVD skip-a-payment option. Great for unexpected expenses. Se~tlemeat Statement tiTransactions without Sellers U.S. Department of Housing ' and Urban Development OMB Approval No. 2502-049T Name ~'Addres3 of Borrower: ,AURA OLIVLA EDMi]NDS 7DRA 0 EDMQNDS _ _~29 LOGAN ST HARRISBURG PA 17102-1852 Property Location: (if different 2005 HARVARD AVENUE Camp Hill, PA 17011 Name 6 Address of Lender: Helco Co~nutlity Credit Uaioa 403 N. 2nd Street Harrisburg, PA 17101 :Settlement Agent: BELCO CCU Place of Settlement: 403 N SECOND STREET, HARRISBURG, PA 17101 Loan Number: Settlement Date: 406.650-L5 NOVEMBER 9, 2005 L . Sattlsa<ant Charges 80.0. Itwms Payablo in Couuectioa 1Pith Loan o ~ ~ . Loan ~rig>.nauon r•ee $ to 802. Loan Discount $ to: 803. Appraisal Fee t0: Belco/Paid b Belco 125.00 804. Credit Report to: Belco/Paid b Belco 5.00 605. Lender's Inspection. Fee to: 806. Mortgage. Insurance Application Fee to: 807. Assumption Fee 808. Mortgage Broker Fee to: 809. • 810. 811. 813. 900 Flood Determination Fee It to: Belco/Paid b Belco 11.00 ssis • roquirad B7f Lauder To He Paid in Advance 'm' Interest from to ~~ at $ per day ~~~. izur~yage insurance rremlum ror months to yus. xazard Insurance Premium for year(s) to 1000. Reaerws Daposit®d ~a.th Lender 1001. :Hazard Insurance months at $ per month 1002. Mortgage Insurance months at $ per month 1003. City Property Taxes months at $ per month 1004. County Property Taxes months at $ per month 1005. Annual Assessments months at $ per month 1006. months at $ per month • wont s at per mon • ~ ~ n m. ~ ~ '~_- wont s at per mont 11U1. Settlement Or Closing Fee to: 1102. Abstract or Title Search to: Belco/Paid by Belco 51.00 1103. Title Examination to: 1104. Title Insurance Binder to: 1105. Document Preparation to: . 1106. Notary Fees to: 1107. Attorney's Fees (includes. above item numbers: to: ) 1108. Title Insurance .(includes above item numbers: to: ) 9. Lender's .Coverage 1110. Owner's Coverage L111. L112. 1113.. Copyright Oak Traa Huaiaeaa Syataaia, Inc., 1996-2004. ]111 Rights Reserved. Page 1 at 2 OTBS 022EL (1/96) Prepared By: Belco Community Crsdit Union 403 N 2nd St, Harrisburg, PA 17108 Return To: Belco Community Credit Union Post Office Box 82, Harrisburg, PA 17108-0082 (717) 232-3526. Ext 6251 ~RUf qNp E~gCjCOPY Premises: 2005 Harvard Avenue Carnp HIII,PA-17011 PARCEL #01-22-0536-179 ;~ [Space Above This Line For Recordin Data] MORTGAGE THIS MORTGAGE ("Security Instrument") is given on 11/09/200b The mortgagor is Laura Olivia Edmunds and Sandra O Edmunds ('Borrower"). This Security Instrument is given to Belco Community Credit Union ,which is organized and existing under t)te laws of Commonwealth of Pennsylvania ,and whose address is 40$ N. 2nd Street Harrisburg, PA 17101 ("Lender"). Borrower owes Lender the principal sum of FORTY -TWO THOUSAND and 00/100 Dollars (LI.S:;42,000.00 ). This debt is evidenced by Borrower's note dated the same date as this Security Instrument ('T1ote"), which provides for monthly payments, with the full debt, if not paid earlier, due and payable on 11/01/2015 .This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with interest, and all, renewals,. extensions and modifications of the Note; (b) the payment of all other sums, with interest, advanced under paragraph 7 to protect the security of .this Security Instrument; and (c) the performance of Borrower's covenants and agreements under this Security Instrument and the Note: For this. purpose, Borrower does hereby mortgage, grant and convey to Lender the following described property located in Cumberland County, Pennsylvania: ALL 'THAT CERTAIN piece or parcel of land, situate in the Borough of Camp Hill, Counttyy of Cumbeti~d and State of Pennsylvania, more particularly bounded and described as fofiows, to wit:. Deed dated October 25, 2005 and recorded October 27, 005.in Book 271, Page 31.15. Tax Parcel No. 01-22-0538-179. (ease 1 of ~ pagea) , the Property which may. attain priority over this Security Instrument, and leasehold payments or ground rents, if any. Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that meaner, Borrower shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to. Lender all notices of amounts to be paid under this paragraph, If Borrower makes these payments directly, Borrower shall promptly furnish to Lender receipts evidencing the payments. Borrower shall promptly discharge any lien which has priority over this Security Instrument. unless Borrower. (a) ,agrees in writing to the payment of the obligation secured by the lien. in a manner acceptable to Lender, (b) contests in.. good faith the lien by, or defends against enforcement of the lien in, legal proceedings which in the Lenders opinion operate to prevent the enforcement of the lien; ar (c) secures from the holder of the lion' an agreement satisfactory to Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lien which may attain o over this Security Instrvnnent,. Lender may give Borrower 'a notice idea ' ~ ~ ttfying the lien. Borrower shall satisfy the lien or take one. or more of the actions set forth above within 10 days of the giving of notice. 5. Hazard . or Property Insurance. Borrower shall keep the improvements now existing or heaeafter erected on the Property insured against loss by fire, hazards included within the term "extended coverage" and any other hazards, including floods or flooding, for which Lender requires insurance. This. insurance shall be maintained in the amounts. and for the periods that Lender requires. The insurance carrier .providing the instnance.shall be chosen by Borrower subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Properly in accordance with paragraph 7. All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause. Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the insurance carrier and. Lender, Lender may make proof of loss if not made promptly. by Borrower. Unless Lender and Borrower otherwise agree in writing, insurance .proceeds shall be applied to restoration or repair of the Property damaged, if the restoration or repair is economically feasible and bender's secirtity is not lessened If the restoration or repair is not economically feasible or Lender's security would be lessened, die insurance proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice.. from Lender that the .insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the proceeds to repair or restore the Property or to pay sums secured by this Security hnstrument, whether or not then .due. The 30-day period will begin when the notice .is given. Unless Leader and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or postpone the due date of the monthly payments .refenrd to in paragraphs 1 and 2 or change the amount of the payments. If under paragraph Z 1 the Property is acquired by Lender, Boaower s right to any insurance policies and proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums secured by this Security Instrument immediately prior to tine acquisition. 6. Occupancy, Preservation, Maintenance and Protection- of the Property; Borrower's 'Loan Application; Leaseholds. Borrower shall occupy, establish, and use the Property as Borrower's principal residence within sixty days. after the execution of this Security Instrument and shall continue . to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy, unless L~der otherwise agrees in writing, -which consent shall not be unreasonably withheld, or unless extenuating circumstances exist which, are beyond Borrower's control. Borrower shall not destroy, damage or impair the Property, allow the Property to deteriorate, or commit waste on the Property. Borrower shall be in default if arty forfeiture action or proceeding, whether civil or criminal, is begun that in Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by this Security Instrument or Lenders security interest. Borrower may cure such a default and reinstate, as provided in paragraph. 18, by causing rho action or proceeding to be dismissed with a ruling that, in Lenders good faith determination, precludes forfeiture of the Borrowers interest in the Property or other material impairment of the lien created by this Security :Instrument or Lenders security interest. Borrower shall. also be in default. if Borrower, during the loan application process, gave materially false or inaccurate information or statements to Lender (or failed to provide Lender with any material information) in connection with the loan evidenced by the Note, including, but.. not limited to, representations concerning Borrowers occupancy of the Property as a principal. residence. If this Security Instrument is on a leasehold, Borrower shall comply. with all the provisions of the lease. If Borrower acquires fee-title to the Property, the leasehold and the fee title shall not merge unless Lender agrees . to the merger in writing. 7. Protectfion of Lender's RigLts in the Property. If Borrower fails to perform the covenants and agreements contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lenders rights in the Property (such as a proceeding in ~ bankruptcy, probate, for condemnation or forfeiture or to enforce laws or regulations), then Lender may. do and pay for whatever is necessary to protect the value of the Property and Lenders rights in the Property. Lenders actions may include paying any sums secured by a lien which has priority over this Security Instrument,. appearing in court, paying reasonable attorneys' ~ fees and (page 3 of 7 pages) 13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan ,charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the loan exceed the pemritted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and (b) any sums, already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, -the reduction will be treated as a partial prepayment without any prepayment charge .under the Note. 14. Notices. Any notice m Borrower provided for in this Security Instrument shall be given by delivering it or by mailing it by first class mail unless applicable law requires use of another method.. The notice shall be directed to the Property Address or any other address .Borrower designates by notice to Lender. Any notice to Lender shall be given by first class mail to Lender's address stated herein or any. other address Lender designates by notice to Borrower. Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when given as provided in this paragraph. 15.. Governing Law; Severability This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the. Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or 'the Note which can be given effect without the conflicting provision. To this end the .provisions of this Security Instrument and the Note are declared to be severable. 16. Borrower's Copy. Bon ewer shall be given one conformed copy of the -Note and of this Security Instrument 17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest in it is sold or transferred (or if a beneficial interest in Borrower is sold or transfemd and Borrower is not a natural person). without Lender's prior written consent, Lender may, at its option, require immediate payment in full of all sums secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by federal law as of the date of this Security Instrume~. If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period of not less than 30 days from the 'date the notice is delivered or mailed within -which Borrower must pay all sums secured by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender. may invoke any remedies . perniiteed by this Security Instrument without further notice or demand on Borrower.. - 1& Borrower`s Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have. enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days (or such other period as applicable law may specify .for reinstatement) before sale of the Properly pursuant to any power of sale contained in this Security Instrument; or (b) entry of a judgment enforcing this Security Instrument Those .conditions are that Borrower: (a) pays Lender all sums which then would be due under this Security Instrument and the Note as if no acceleration had occurred; (b) cures any default of any other covenants or agre~nents; (c) pays all expenses incurred in enforcing; this Security Instrument, including, but not limited to, reasonable attorneys' fees; and (d) takes such. action as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and Borrower's obligation to pay the- sums secured by -this Security Instrument shall continue unchanged. Upon reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if no acceleration had occurred: However, this right to reinstate shall not apply in the case of acceleration under paragraph 17. 19. Sale of Note; Change of Loan Servicer. The Note or a partial interest in the Note (together .with this Security Instrument) may be sold one or.more times without prior notice to Borrower.. A sale may result in a change in the entity (lmown as the "Loan Servicer'~ that collects monthly payments due under the Note and this . Security Instrument There also may be one or more changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the- Loan Servicer, Borrower will be given written notice of the change. in accordance with paragraph 14 above and applicable law. The notice will state the name and address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any other information required by applicable law. 20. 13azardoas Substances. Borrower shall not cause or permit the presence, use, disposal, storage, or release of airy Hazardous Substances on or in the Property. Borrower shall not do, nor allow anyone else to do, anything ,:affecting the . Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property. Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by any governmental or regulatory agency. or private party involving the Property -and any Hazardous' Substance or Enviromnental Law of which Borrower has achral knowledge. ff Borrower learns, or. is notified by any governmental or regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is necessary; Borrower shall promptly take all necessary .remedial actions in accordance with Environmental Law. As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous (Page 5 of 7 Page) (S~q _ LAURA OLIVIA EDMUNDS -Borrower (Seal) SANDRA OEDMUNDS -Borrower (Seep -Borrower (Seep -Borrower COMMONWEALTH OF PENNSYLVAriIA, Cumberland County ss: ~ ~, the 9th day of November , 2005 before me, notary public 8 being the undersigned officer, personally appeared Laura Olivia Edmunds and Sandra O Edmunds lmown to me (or satisfactorily proven) to be the person ~ whose name subscribed to the within instrument and acldiowledged that executed the same for the purpose~herein contained IN WITNESS WHEREOF, I hereunto set my hand and official seal. My Commission expires NOTARY PUBLIC Title of Officer I certify that the precise. address of the within named mortgagee is: 2005 Harvard Avenue ~ Camn Hill, PA-17011 OTBS 093A PA (5/96) ~ (page 7 ~' 7 pages) ~.. Gates, Halbruner, Hatch ~ Guise, PC 1013 Mumma Road Suite #180 Lemoyne, PA 17043 {717) 731-9600 Federal iA, 20-4304745 t~tVO1CE Laura Olivia Edmunds 2005 Harvard Ar~nue Camp Hill, PA 17011 Estate Planning lnwice Date August 22; 2011 Period Ending August 15, 2011 ~nroice No. 60941 PAYMENT t)LtE UPON RECEIPT OF STATEMt=N'C Atl overdue accounts wttt be messed f nonce charges of 1.5°/a per month, We now accept the #otlowing credit cards frx payment: DiscoUer, Mastercard 8 Visa. '~c9. ~~ , Q 15 ~ a2~ ~ ~+ $I o~,oo ~~ Current O+~r 3 504.00 C.0 0.20 @ 210.00/hr 42.00 0.80 @ 210.OOlhr 168.00 0.20 @ 210.{x!/hr 42.00 1.00 @ 210.OOlhr 210. flfl 0.00 @ 210.OOlhr 0.00 0.20 @ 210.00/hr 42.00 Sub-rota! Fees: 504.00 Tota! Current 8illi-'ty: --5 Q Previous balance true: 0.00 Finance Charge: O.Ofl Tots! l~tov+r Rue: 544,44 Over 60 Over 90 0.00 0 0 0.00 Professional Fees 6!45/2011 MEH Reviewed fife in preparation for conference with Sandra Edmunds. 611 6120 1 1 MEH Office conference with Sandra Edmunds and Barbara Boyd. 6129!2011 MEH Re~sevved and replied to e-mail from Sandra Edmunds. 7!12/2011 MEH Drafted Tn.:st Amendment. E-mail repty t© daughters vuifh Trust Amendment and answers to questions. 8/5/2011 MEH Received the signed Trust Amendment and placed original in fireproof storage.- Reviewed most recent e-mail with family and organized fife. 8111!2011 MEH Telephone calf from Sandy Edmunds. PLEASE VIBiT OUR WEBSITE AT 1(-i+N11L~.GATESLA`~ttFIRM.CQM ~~: iec7c Image ,~ https://images.midatlanticcoiporate.org/imaSe/checkimage-wasp Check # 2915 I.A~.IKA O_ EC~VlUNDS LIVING TitUS'7' ca-raear~a 2 915 amp Hh1iVAR~1 Rvr f:hMl' 191LL,1'A 77i!'l 1~~.6 ., VATG !R^~. Y ~f S ' 1 moo. ~ iC taQ._Ui1LLAk!i B ~~ a~ww~.~r.~.~,w~ew 81~f ~ ~ ~d~-~-7~~ M(h!p ~C7~-if`~~~. ~ ~ ~ 77l ~P ~r: 2 3~ 38099 ?r; QQ©L 2 3 S LOQr 29 L 5 ~ 3 ®0~~~~7 ~=2"2 f 5 9 r> 9 3 1 3 3$ 7 8~i -~ o, 8 9 9 4 ~ ~ ~ ~ E~ G ©9 ~ 3 .~ 9 ~t3 1 t t ~ G ~~ a ~ im~t . ~ , ~ - F o'9+k ' A f ~ •~ m n ~~ ~G~E x .+c f~S.~ 2+ r Y yzQ i a $ -i [ NUP;~~~.i~ a4i 4r ^'s ` ~ ~' ~ tAp 5~~tl: ~ V C~1 to w~ .] • @~:oasn ~"~ - _ ~~ __ I ~ -~I fs ~ ~ a Gi'Y L^ U NC`Oa Zip ~ ~ "inug~ ~ E ~~ }~ '~'~ y 8.~7 _ i3C S ~. ~ ~ T ~•y ' ' ~ ~@ ~ i.S r .yY .Y ~ ..~ , ~~ 3 ~ a ry I• ~ Ch1 r[! - n p .~ c'~ ~ ~ g~aa . G ~~E m-fi • ~ c7 ' * ~ ~ t • ~ Q 6 1 ~ E iii f ~~ , ~ ~~~ w ~ u n -~ ~-. ~ ~.~ ~ .w-._I ~L { , e Print ~`~ Close 1 9/14/116:23 AM -xES ARE N ESCROW FORwARO TO kgRTAaE COMPANY H OWkY AFTER 1?1f/IIMi ~BL.E JANET L. MILLER, TAX COLLECTOR 1939 WALNUT STREET J..._. CAMP HILL PA 17011 •ASSESS.NO -01002919 MAP NO: 01-22-0536-179 2005 HARVARD AVENUE ACRES .200 DEED 00271/ 031 1 5 LOT 160 SEC D PB 4 PG 108 2011 StatemenYof Real Estate Taxes Cnrliml Nn' (M]i -002919 Bill No: 769 wn nsre• Tim ~~n~ i Assessed Land rovOYSat 14ineral Total Values 45,900 Homestead 8xcluaion 1x3,800 0 169,700 8 7al- CAMP HILL S.D. Discount Face Pen Rates .oia9s77o SCHOOL R 8 .olass77o a $ x io s Homestead Credit 113.00- `T- TAX AMOUNT DUE -----> $2, 52,085. X2,294.51 If Paid On or After If Paid OA or Before 7/ /x011 8 x011 9/Ol/x011 10 31 x011 11/Oi%x011 RESIDENTIAL ~~~ .. c ED ~1N N IytA J ~ ~A L 1 011 ~ TAX~CULLEM'CT~ ce WED 11-2 AND 4~6 JULY-OCTOBER 14 Rs: SPECIAL FURS: . AUG 22,2912-2 AUG 23,30 4-6 PHONE (717) 763-0177 FfE 1 URN tlILL w11F1 PAYMENT. FOR A REC LOSE SELF-ADDRESSED STAMPED ENVELOPE AND IES OF BILL. .v._ _._ ~ NOT PAID BY 12/15/11 TNIS BILL WILL BE RErU CLAIM FOR COLLECTION AND FILING A LIEN AGAINST YOUR PROPERTY NOTICE OF PROPERTY TAX RELIEF Your enclosed tax bill includes a tax reduction for your homestead and/or farmstead property. As an etigiWe homestead and/or farmstead properly owner, you have received tax reBef through a homestead. and/or farmstead exclusion which has been provided under the Pennsylvania Taxpayer Refief Act, a law passed by the Pennsyivarna General Assembly designed to reduce your property taxes. ~, ~~~~.~~ ~ * * END OF ATTACHMENTS * ~ ~