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FAMILY SETTLEMENT AGREEMENT AND FINAL RELEASE
IN THE ESTATE OF MARGARET J. COSGROVE
KNOW ALL MEN BY THESE PRESENTS, that, WHEREAS, Margaret J. Cosgrove, late
of Cumberland County, Pennsylvania, died testate on March 10, 2011, having first made her last will
and testament duly executed on February 11, 1998;
WHEREAS, the said Margaret J. Cosgrove, by the aforesaid last will and testament, named
Patrick M. Cosgrove, Executor of said last will;
WHEREAS, letters testamentary on the estate of the said decedent were duly issued by the
Register of Wills of Cumberland County, Pennsylvania, to the said Executor, Patrick M. Cosgrove,
hereinafter called the personal representative.
WHEREAS, the personal representative has gathered the assets of the estate of the said
decedent and the assets consist of personal and real property, to a total value as set forth in Exhibit
"A", a copy of the Pennsylvania Inheritance Tax Return filed by said personal representative, and
which has been provided to each heir and as additionally referenced on Exhibit "A";
WHEREAS, the debts and deductions, including the payment of inheritance tax in the said
estate as referenced in Exhibit "B";
WHEREAS, a balance for distribution of $67,036.71 exists;
WHEREAS, the balance for distribution has been reduced to cash and is available for
distribution in accordance with the terms of the last will and testament of the said decedent.
NOW, THEREFORE, KNOW YE, that we, being all of the named beneficiaries of the will
and the said decedent, do hereby each of us, acknowledge that we have this day had and received
from the aforesaid personal representative, in full satisfaction and payment of all sum or sums of
money, legacies, bequests, and devised as are given, devised and bequeathed to each of us
respectively by the said will of Margaret J. Cosgrove in the amounts due us under said will, which
amounts we have received this day, in the respective amounts of five thousand dollars ($5,000.00)
to each of us with the remaining balance equally divided between Patrick M. Cosgrove and Mic,~ael
n
C ~:: : z~
L. Heishman. ~ ~ =~~' ~ '~'
Wiz`
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AND, each of us does hereby stipulate that in order to avoid the expense and time involved
in the filing of a formal account and schedule of distribution, we each agree that no account is
necessary and we do hereby agree that we do consent to distribution being made without the filing
of an account and schedule of distribution, the same to be with the same force and effect as if they
had been tiled and confirmed by the Orphans' Court Division of the Court of Cumberland County.
THEREFORE,, we and each of us, do hereby remise, release, quitclaim and forever discharge
the said personal representative, heirs, executrix, and administrators and assigns of and from the said
estate and from all actions, suits, payments, accounts, reckonings, claims and demands whatsoever
for or by reason thereof, or for any other use, matter, cause or thing whatsoever, touching upon the
estate of the said decedent, and each of us do further hereby covenant and agree with each other and
the aforesaid personal representative, that we will contribute pro-rata, our share of the estate to
satisfy any and all claims, demands, suits, or causes of action which maybe successfully prosecuted
against the said estate or aforesaid personal representative after the signing, sealing and delivery of
this family settlement agreement and final release.
By order dated October 10, 2011, the Orphans' Court Division of the Court of Common Pleas
of Cumberland County authorized Patrick M. Cosgrove to execute any and all documents pertaining
to this estate on behalf of his minor children, Hannah Cosgrove, Grace Cosgrove and Jack Cosgrove.
IN WITNESS WHEREOF, and intending to be legally bound hereby, we have hereunto set
our hands and seals on the dates below indicated.
WI"CNESS:
/~ `
Michael L. Heishman
~~~~~
r~~~
~~
~G%f~
Patrick M. Cosgrove
~~ ~~~
Hannah Cosgrove
by Patrick M. Cosgrove
Grace Cosgrove
by Patrick M. Cosgrove
~4
~- Jack Cosgrove
by Patrick M. Cosgrove
r /~
!~
Michelle andalls
~~ p
C ris Heishman
1505610105
REV- ~ 5OO ~ OFFICIAL USE ONLY
PA Department of Revenue pennsylvania
~E..,,.,~~~o.~r~~~~E County Code Year File Number
Bureau of Indtvtduat Taxes INHERITANCE TAX RETURN '
PO BOX X80601
Harrisburg PA >_'71z8-oliol RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY
172-26-7600 03/10/2011 ' 09/18/1933
Decedent's Last Name Suffix Decedent's First Name MI
Cosgrove 'Margaret J
(If Applicable) Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix Spouse's First Name MI
Spouse's Social Security Number
FILL IN APPROPRIATE OVALS BELOW
OD 1. Original Return
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
O 2. Supplemental Return O 3. Remainder Return (Date of Death
Prior to 12-13-82)
O 4. Limited Estate O 4a. Future Interest Compromise (date of O 5. Federal Estate Tax Return Required
death after 12-12-82)
~ 6. Decedent Died Testate O 7. Decedent Maintained a Living Trust ~ 8. Total Number of Safe Deposit Boxes
(Attach Copy of Will) (Attach Copy of Trust.)
O 9. Litigation Proceeds Received O 10. Spousal Poverty Credit (Date of Death O 11. Election to Tax under Sec. 9113(A)
Between 12-31-91 and 1-1-95) (Attach Schedule O)
CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
David A. Baric, Esquire (717) 249-6873
First Line of Address
Baric Scherer LLC
Second Line of Address
19 West South Street
City or Post Office State ZIP Code
Carlisle ~ A 1701
REGISTER OF WII.kS~USE ONLY
- - '~
_ _ J `~
--- i
_ -- - ,
-,-'
- _;
DATE FILER
Correspondent's a-mail address: dbarlC baflCSCherer.COm
Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my xnowleage ana oeiiei,
. .. _,_ __..__ _. _____-.._ ,..~.,.. ....,., ae ..o.~.,.,~i ~o~.o~o.,rarl~~P i~ hacPri nn all information of which oreoarer has anV knowledge.
1505610185
Side 1
1505610105
EXHIBIT "A"
ADDRESS
19 West South Street, Carlisle, Pennsylvania 17013
PLEASE USE ORIGINAL FORM ONLY
i
150561205
REV-1500 EX (FI) Decedent's Social Security Number
172-26-7600
Decedent's Name: Mafgaf2t ~. COS9fOVe
RECAPITULATION - - -
L
74,752.00
1. Real Estate (Schedule A) ........................................... ..
2. Stocks and Bonds (Schedule B) ..................................... . 2.
3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ... .. 3.
4. Mortgages and Notes Receivable (Schedule D) ......................... .. 4.
5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E)..... .. 5.
4,521.00
6. Jointly Owned Property (Schedule F) O Separate Billing Requested ..... .. 6. ' _
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property '
7 $$,900.00
(Schedule G) O Separate Billing Requested...... .
..
,
s 168,173.00
8.
............
Total Gross Assets (total Lines 1 through 7) .............. .
.
..
9.
.........
Funeral Expenses and Administrative Costs (Schedule H) .....
9
19,027.00
10. Debts of Decedent, Mortgage Liabilities and Liens (Schedule I) ........ .... . 10.
11 19,027.00
11. Total Deductions (total Lines 9 and 10) ................
.
12 149,146.00
12.
................
Net Value of Estate (Line 8 minus Line 11) .......... .
.
..
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which
13
an election to tax has not been made (Schedule J) ................. .... ..
14 149,146.00
14.
..........
Net Value Subject to Tax (Line 12 minus Line 13) ......... .
.
..
TAX CALCULATION • SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate, or _
transfers under Sec. 9116 15.
(a)(1.2) X .0 _ __
16. Amount of Line 14 taxable 149,146.00 '
at lineal rate X .0 45 16. 6,711.00
17. Amount of Line 14 taxable ' 17
at sibling rate X .12
18. Amount of Line 14 taxable ' 18
at collateral rate X .15
6,711.00
19.
..........................................
TAX DUE 19. _
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT ~
Side 2
150561205 15~561~2~5
REV-1500 EX (FI) Page 3 File Number
Decedent's Complete Address:
Margaret J. Cosgrove
STREET ADDRESS
58 Partridge Circle
STATE ZIP
CITY PA 17013
Carlisle
Tax Payments and Credits: (1) 6,711.00
1. Tax Due (Page 2, Line 19)
2. CreditslPayments 7,446.00
A. Prior Payments
B. Discount 372.00 7,818.00
Total Credits (A+ B) (2)
3. Interest (3)
4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. (4) 1,107.00
Fill in oval on Page 2, Line 20 to request a refund.
5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5)
Make check payable to: REGISTER OF WILLS, AGENT.
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
Yes No
1. Did decedent make a transfer and:
a. retain the use or income of the property transferred ................................... ^ ^
b. retain the right to designate who shall use the property transferred or its income ..............................:..:..:::.:.:. ^ ^
c. retain a reversionary interest ...........................................................................................................
d. receive the promise for life of either payments, benefits or care? ................................................
2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death
without receiving adequate consideration? ............................................................................................................. ^
3. Did decedent own an "in trust for" or payable-upon-death bank account or security at his or her death? .............. ^ ^
4. Did decedent own an individual retirement account, annuity or other non-probate property, which
contains a beneficiary designation.
IF THE ANSWER TO ANY OF THE ABOVE QUESTfONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
For dates of death on or after July 1, 1994, and before Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse
is 3 percent [72 P.S. §9116 (a) (1.1) (i)].
For dates of death on or after 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. §9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and
filing a tax return are still applicable even if the surviving spouse is the only beneficiary.
For dates of death on or after July 1, 2000:
• The tax rate in Porsa sten tarent of the ch Idr s Ofpercenm[72 P.S §91d16(a)(1?2)]years of age or younger at death to or for the use of a natural parent, an
adoptive pare pp
The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent, except as noted in [72 P.S. §9116(a)(1)].
• The tax rate imposed s anhndividuall who has ateleast oneoparent in ommon wth thesdeibeident, whetherobytblood or doptio(n)(1.3)]. Asibling is defined,
under Section 9102, a
R°~V-1502 EX+ (OL-10)
~ ~~ pennsylvania SCHEDULE A
` DEPARTMENT OF REVENUE REAL ESTATE
INHERITANCE TAX RETURN
RESIDENT DECEDENT
FILE NUMBER:
ESTATE OF: 21-11-0389
Margaret J. Cosgrove
All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property
would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts.
Real property that is jointly-owned with right of survivorship must be disclosed an Schedule F.
Attach a copy of the settlement sheet if the property has been sold. VALUE AT DATE
ITEM Include a copy of the deed showing decedent`s interest if owned as tenant in common, OF DEATH
NUMBER DESCRIPTION
74,752.00
TOTAL (Also enter on Line 1, Recapitulation,) $
If more space is needed, use additional sheets of paper of the same size.
REV-i5o8 EX+ (SI-io)
SCHEDULE E
~ Pennsylvania
DEPARTMENT OF REVENUE CASH, BANK DEPOSITS & MISC.
[NHER[TANCE TAX RETURN PERSONAL PROPERTY
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
Margaret J. Cosgrove _ 21-11-0389
Include the proceeds of litigation and the date the proceeds were received by the estate.
oii aronertv iointly owned with right of survivorship must be disclosed on Schedule F.
If more space is needed, use aaa¢ionai sneer ~~ NaN~~ ~~ ~~~_ ~~~~~~ ~~<_•
REV-1510 EX+ (Oi3-09)
~- SCHEDULE G
~ ; ~ Pennsylvania
:` DEPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND
INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Margaret J. Cosgrove 21-11-0389
This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes.
ITEM
NUMBER DESCRIPTION OF PROPERTY
INCLUDE THE NAME OF THE TRANSFEREE, THE[R RELATIDNSHIP TO DECEDENT AND
THE DATE OF TRANSFER. ATTACH A COPY OF THE DEED FOR REAL ESTATE. DATE OF DEATH
VALUE OF ASSET % OF DECD'S
INTEREST EXCLUSION
(IF APPLIrAeLE) TAXABLE
VALUE
1. DWS Balanced Fund-A IRA 25,430.00 100 25,430.00
DWS High Income Fund-A IRA 232.00.
12 100 12,232.00
2 ,
Zurich American Life Insurance Annuity 238.00
51 51,238.00
3 ,
TOTAL (Also enter on Line 7, Recapitulation) $ 88,900.00
If more space is needed, use additional sheets of paper of the same size.
EV-1511 EX+ (10-09)
.~ SCHEDULE H
~~ ~~, Pennsylvania
~~~~G ~IINFR01 EXPENSES AND
ESTATE OF FILE NUMBER
Margaret J. Cosgrove 21-11-0389
Decedent's debts must be reported on Schedule I.
ITEM
NUMBER DESCRIPTION
A. FUNERAL EXPENSES;_
1. _ __
B, ADMINISTRATIVE COSTS:
I, Personal Representative Commissions:
Name(s) of Personal Representative(s) PatrlCk M Cosgrove
Street Address 112 East Count side Drive
city Boiling Springs State PA zIP 17007
Year(s) Commission Paid: 2011
2. Attorney Fees:
3, Family Exemption: (If decedent's address is not the same as claimant's, attach explanation,)
Claimant None ------- ----------------- ------
StreetAddress - - -- ----- ---- -
City State ZIP
Relationship of Claimant to Decedent _-_ -----
4. Prohate Fees:
S. Accountant Fees:
6. Tax Return Preparer Fees:
8,824.00
8,824.00
331.00
67.00
~. Comcast
27.00
B. Century Link
60.00
s. UGI
100.00
~ o. PPL
162.00
t ~ . Vascular Associates
309.00
12. Travelers Insurance
TOTAL (Also enter on Line 9, Recapitulation) $ 19,027.00
If more space is needed, use additional sheets of paper of the same size.
Estate of Margaret J. Cosgrove
File No. 21-11-0389
SCHEDULE H CONTINUED
12. North Middleton Authority $ 82.00
13. The Sentinel $166.00
14. Cumberland Law Journal $ 75.00
REV-1513 EX+ (01-10)
pennsylvania
~~' DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN
aFStDENT DECEDENT
SCHEDULE
BENEFICIARIES
ESTA ET OF
Margaret
NUMBER
I
1. I
II
J. Cosgrove
NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY
TAXABLE DISTRIBUTIONS [IncluSec 9116t(a) (152) jistributions and transfers under
Patrick M. Cosgrove, 112 E. Countryside Dr., Boiling Springs, PA 17007
Michael L.Heishman,108 Burnthouse Rd., Carlisle, PA 17015
Michelle Randalls, 424 Mumper Lane, Dillsburg, PA 17019
Christopher Heishman, 116 Willow View Dr., Carlisle, PA 17013
Hannah Cosgrove, 112 E. Countryside Dr., Boiling Springs, PA 17007
Grace Cosgrove, 112 E. Countryside Dr., Boiling Springs PA 17007
Jack Cosgrove, 112 E. Countryside Dr., Boiling Springs, PA 17007
RELATIONSHIP TO DECEDENT
Do Not List Trustee(s)
on
on
Iranddaughter
)randson
3randdaughter
3randdaughter
grandson
FILE NUMBER:
21-11-0389
AMOUNT OR SHARE
OF ESTATE
50°/D
50%
5000.00
5000.00
5000.00
5000.00
5000.00
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV•150D COVER SHEET, AS APPROPRIATE.
NON-TAXABLE DISTRIBUTIONS
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN;
1
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS:
1
rnrni of PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $
If more space is needed, use additional sheets or paper ui ~~~c ~a~~~~ ~~~_•
LAST WILL AND TESTAMENT
OF
MARGARET J. COSGROVE
I, Margaret J. Cosgrove of Cumberland Cour>ty, Pennsylvania, being of sound mind,
memory and understanding, do hereby make, publish and declare this as and for my Last Will and
Testament, hereby revolving all other wills and codicils heretofore made by me.
FIRST
i direct the payment of my debts and the expenses of my lam illness and funeral from my
estate as soon after my death as conveniently may be done. ft there be no cemetery lot available fa- my
interment, owned by me at the time of my death, I authorize my personal representative to purchase
such cemetery lot with a contract for perpetual care, using therefor funds from my estate, and I authorize
my personal representative to cause title to or ownership of such lot so purchased to be vested in such
person as my personal representative shall designate. It is my wish that a grave side service only be
held in my honor.
Further, in this connection, I authorize my personal representative to emend funds from
my estate, in such amount as my personal representative shall consider necessary and desirable, for the
purchase, erection and insaiption of a suitable marker for my grave.
SECOND
give, devise and bequeath my entire estate of whatever nature and wherever situate to
my sons, Patrick M. Cosgrove and Michael L. Heishman, in equal shares. I, give devise and bequeath
the sum of five thousand 05,000.00) dollars to each of my grandchildren, the money to be taken from
their respective fathers porticn of my estate. In the event I am predeceased by my son, Michael L.
Heishman, my entire estate shall pass to my son, Patrick M. Cosgrove except for five thousand
($5,000.00) dollars which shall be paid to each of the then IMng children of Michael L. Heishman. In the
event I am predeceased by my son, Patrick M. Cosgrove, his one-half share of my estate shall) pass to
his children in equal shares who are alive at the time of my death.
THIRD
In the event I am not so survived by my said sons, Patrid< M. Cosgrove and Michael L.
Heishman, and a portion of my estate passes to an heir under the age of twenty~ve (25), then that
portion of my estate passing to the heir shall be placed with Patrick M. Cosgrove, as TRUSTEE. In the
event Patrick M. Cosgrove is unable or unwilling to serve as Trustee, ! nominate and appoint Midiael t_.
Heishman as alternate Trustee under the following conditions::
1. My Trustee shall pay principal and income to or for the benefit of the heir during his or
her life as my Trustee, from time to time, shall deem advisable for the health, maintenance, support and
complete education of such heir and the members of his or her immediate family. In addition, my
Trustee in his sole discretion may advance principal to said beneficary against the fractional shares to
be advanced hereunder for the costs of manage, or the purchasing of a home or costs of entering a
business or profession if my said Trustee shall deem such expense reasonably prudent
2. IUotwithstandingthe foregoing provisions, after attainment of twenty-one (21) years,
each heir may withdraw one-half (1/2) of the principal of his or her trust valued as of said birthday or the
date of division into shares, if later; and after attaining age twenty~ive (25) years, each heir may withdraw
the remainder of said princpal and undistributed income.
3. In the event of the death of a trust beneficiary prior to age twentyfive (25) then my
Trustee shall distribute any remaining principal and interest as such beneficiary shall appoir>t by specific
reference to this power in his or her will, or if such power is not exercised in full, the unappointed principal
shall be distributed to his or her issue, per stirpes, or in defiault of such issue, to my issue, per stirpes;
provided, however, any portion of such principal, which would be distributed to any beneficiary for whom
a trust is then held hereunder, shall be added to such trust
4. Should the principal of any trust herein provided for be or become too small in my
Trustee's discretion to make establishments or continuance of the trust advisable, my Trustee may
distribute the remaining principal and any accumulated or undistributed income outright to the
beneficiaries in the proportions to which they are then entitled to. The receipts and releases of the
distributees will terminate absolutely the rights of all persons who might otherwise have future interest in
the trust, whether vested or corriing~;rt, without notice to thzrn and without the necessity of filing an
account with the court
FOURTH
I direct that no trustee, executor, guardian or other fiduciary named, nominated, or
appointed by this my Last Will and Testament shall be required to post any bond or give any security of
any type for any purpose whatsoever, any law or rule of the court of the Commonwealth of Pennsylvania
or any other jurisdiction to the contrary notvuithstanding. I direct that the law of the Commonwealth of
Pennsylvania shall apply to any interpretation or application of the validly of Phis instrument
FIFTH
My executor and trustee shall have the following powers in addition to those vested in
them by law and by other provisions of this Will, applicable to all property, real, personal or mixed and
wheresoever situate, inducting property held for minors, whether principal or income, exerasable without
court approval, and effective, with respect to each item of said property until ac~uual distribution thereof.
A) To retain, as investrnents of my estate or trust, any or all assets of my estate, real,
personal, or mixed, without regard to any principal of diversfication, and to purchase and acquire real or
personal property and to hold any or all of such real and personal property retained or acquired without
making the same productive of income.
B) To permit the children, or any of them, to oaupy any real estate retained or acquired
upon such terms and conditions as my executor or trustee shall deem proper:
C) To pay all taxes, charges and expenses of maintenance, upkeep, improvements,
development, protection, preservation and investment of any retained or acquired real or personal
property, such payments to be made from either prinapal or income as my executor or tnistee shall
determine.
D) To retain or invest any and all funds, whether principal or income, in any real or
personal property without restriction to legal investments; to purchase investments at premiums; to
v exercise all rights of a security holder or share holder in any corporation; and to lease, mortgage,
pledge, give options upon or sell at public or private sale and without approval of any court, any real or
personal property, or portion or portions thereof, irrespective of the manner or the means by which the
same was acquired by my said executor or trustee.
E) To make payment or distribution herein provided for in cash, kind or partly in cash
and partly in kind, at valuations fixed by my executor or trustee at the time of distribution.
SIXTH
Any and all payment or payments of any sum or sums, whether in cash or in kind and
whether for prinapal or income, payable to an heir, or any of them, shall be made upon the sole receipt
of the respective individual to whom the payment is made, and free from anticipation, alienation,
assignment, attac•,hment, and pledge, and free from control by the aed~ors of any suds benefiaary.
SEVENTH
I appoint my son, Patrick M. Cosgrove, Execrator of this my Last Will and Testament
Should my said Executor fail to survive me or for any reason fail to qualify as Exea.~tor, then I appoint my
son, Michael L. Heishman, Executor of this my Last V1(II and Testament
IN WITNESS WHEREOF, I have hereunto set my hand and seal to this, my Last Will
and Testament, consisting of five (5) typewritten pages, the first four (4) of whid~ bear my signature in the
margin for the purpose of identific~on, this ~ ~ f~ day of February, 1998.
MAR J. SGROVE
Signed, sealed, published and declared by the above named testatrix, Margaret J. Cosgrove,
as and for her Last Will and Testament, in the presence of us, who, at her request, in her sight and
presence, and in the sight and presence of each other, have hereunto subscribed our names as
witnesses.
~~ ,-,
,~'~~~~ ~~" 1, ; ~~ ~Yn~f~ ~ ~~ r~ ~- ~~~, j,~.%(/~ ;~, ~ ~~ ~~r~
~~~ ~'~~ ~''` ` ADDRESS `' ~ ~ l h
1
ADDRESS ~~ 7 ~~L°~°~.~ ~ Q-u°~ ~
~~72s~~
COMMONWEAL-TH OF PENNSYLUAIVIA
SS.
COUNTY OF CUMBERLAND ~ /'~
l,t ~ ~~~~~,(,~ and
We, Margaret J. Cosgrove,
~/~ C~ . Gh ~, ,the testatrix and the witnesses, respectively,
whose names are signed to the attached or foregoing instrument, being first duly swum, do hereby
declare to the undersigned authority that the testatrix signed and executed the instrument of her Last V1(II
and Testament, and that she signed willingly and that she executed as her free and voluntary act for the
purposes therein expressed, and that each of the withesses, in the preser>~ and hearing of the testatrv,
signed the Will as witr~esses, and that to the best of their knowledge, the testatrix was at the time
eighteen (18) years of age or older, of sound mind and under no constraint or undue influence.
1l day of C~+~~~~~ , 199 ~ .
Swom to and subscribed before me this
i
I~ J>vnnifiar S. Calamar, ~Joiary Public
Carlisle Doro, Cumberland Ccunt~ i
~4v Commission Expires I~loa 29.191)9
a --
( 11 t. FmHA
(NII ]. Conv. UNnr.
+. VA
Fels Number
RE3512
Loan Number
9. Alartaspe Insurance
Cox Nunmor
C. Ttria form u Nmiabed m taw you • atmmam ar artuat wmamom as W. Amounts paid is and by Ob wlNmam spent ale anawn. Items muhed'(p.o.el' were PaN outliCe of
Ma damn • ere aro ahvwn naro fer bfamutipttl Na and aro rtel'arrorde0h dte mtab.
~. Name and Addrora 4 Bonewer. E. Noma and Addreu d Suter. F. Nrma antl A4tlroN of fonder.
BARBARA S. B. BARRY ESTATE OF MARGARET J. COSGROVE N!A
716 OLSON DRIVE PATRICK M. COSGROVE, EXECUTOR
CARLISLE, PA 17013
G. Proporty luaean N. Senbmsnl ApanC
58 PARTRIDGE CIRCLE, CARLISLE, PA 17013 Fiolrrer Law LLC
NORTH MIODLETON TOWNSHIP P4aeatsomstnnc
CUMBERLAND COUNTY 10 West Hlgh Straet
100 GroaaAmounet]wFromtbrtower +OO~OroasArrouiteQwTo~8a0ar
tot Cantntaaatapllce 131,900.00 +01 Conlnutsabaprke 131,800.00
102 ealaonalpreputlf +02 PatNtW aaPeM
lo]samamamWrpesham(Grs1400) 2,697,69 407
cw +a+
cos Stettlement charges from Addendum 555.00 cps
Atl/traanenb Rtrdentr paid 0y mlferh aWanoac Ad(uumertb Ibr(lellu pei! ay sa07fh advarta:
09 Cdylmwr faxes Taeln to tzrsuit 159.20 +99 cnyr~mwt IutrIR9ry1 m Iznutt 159.10
07 County taros 407 Oounty taros
oe AaNwnema +ae Aawwronta
oa ~
to 9dtoa taou~7178ftt mtlnartz 1,349.89 itO Sdtoal Lama 7/ze/tf In 9y3tY12 1,349.89
11 411
tz ASSOCIATION DUES PRORATION 10.82 +u ASSOCIATION DUES PRORATION 10.62
zo orwaAmaurrtt]rrFramBorrewsr 156,872.59
==ca~nc~~~o +ztl`tirossAmauMDrwto9tar 133,419.71
09 AmounuPaidayOrlna.hot-tNBorrawar
9t Oapsa0araamahmorlay
D2 PAndpal amaurd of now btn(y"'
03 tirdaMrp ban(at laken rublad tD
0+
JS
a7
118
os
AQwenartb larltrrrta apNd 6Y w0sr
10 CayRawttaru t/Vtt to 7ld5111
I t Cautyf Lava
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t5
t+ sdwat toss. ntm b rrmlt t
Is
Ia
tr
ce
ce
t0 Toot Paid BylFar tlonovwr
10,922.44
Foaar~clAt.Fl~oolrt~ 48,873.43
509 Settlement charges from Addendum
4rQrabinnfa farkama upaW DysaUar
St0 CdyROwn taros 111111 ~ ~ m 7rt9111
St 1 County taros
512 N.ewnmr
sts
Sf+ Sdmel tmua 7/U11 m 7fI&11
sti
ste
319
1,000.00 szo Tom wmlctlam ro amt t]w s.oar
=_====~s====
1,072.00
58,687.87
t0 Gah At 9aMsn+erd FrartYro aorrewtl: 900 Gah At 9atWrrwnt TelFrom 9a W r.
t2rroNa+nauntduo0omhortawar(Onetzal 136,672.59 901GroNantwutlbw0uhan(Ons+z0) 133,419.77
t2 laN amounu paid ttyROr bamlwar (ham Ma 2201 1 000.00 aaz- CON ramrNOru ut amount due aa0sr (from une szo- 58 667.87
u Cash pq From () To aorrowsr 135,872.59 9W Gah ( I From (It) To 8altar 74,751.84
oe=.==~oo_co=3o ~=c~__c~=co~~~
500 RadueOon~ N Amouet Otr To SsOrr
1,000.00 so) Enma~d~pnalt(aae6aeuptcnai
602 Saaterrlam chalpea b aetar(Erm 1+00)
50,7 Eda~0loan(q taken um{eA to
501 PnyaB m f6i1 mutpape loan
505 PsyoM o1 aeaond mwtpapa lout
509
507
505
1r10L1a Papa t af+ IM1NaIa
rnra bassd oo pAca: 131,900.00 @ 8%
rot `- --- 3,957,00 m ERA-NRT, INC.
roe 3,957.00 m RFJMAX DELTA GROUP
ro7 comm~+ronpWesetlteeent
ra TRANSACTION FEE TO REIMAX DELTA GROUPlBROKFJi
ADMINISTRATION FEE TO ERA NRT, INs
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_
,_
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_ _. ..
eao Items;payabia jn~Conrects'ori 1Mlhloan :: _ -_~ .....: _ . : - -..... _
(YottWCe A~ 0.00{ Taal ~ti ltnee 801 0~ouph 808: 0.00
8D1 OurmtBtnadar ha i - (ham cFE lt{
802 Youraadaar0.+e~(pe~+blmrOw~Pednommroctnled~oun 3~ thanGFEe2)
8W vaoe~uetedod~nstronduu9ee ltrcmoFEa{
BOd Aytpnlul hrr m them cFE N)
808 paddnpaRm tlMmaFEpt
BOe Tsi seMw b (!mm aFE dc1)
807 Food mr:8ke8an m (ham GFE sl)
800 _. ~ - r -_ ~• M^ -, -
aoo:;i6erna:Ra49~ladBjl~.nde~Tve~Petattrgdvahce . --.__ .. ,.. _.
.: - - - "-=--'- _._ .. --•--
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903 Naanrinsma~w 1 yearom jtrmn0FEh1{
808 .. _ ~,..
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_.
100+ tna4rdepsrnantroureeaawaoaem+t te«,;cFEw{
1002 ifomsaensh lns,uma mac. ® permeMh
tOW 8~B•0e w eras. @ Fer month
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1008 Ftttpedy tam. permantl~
f0osed~serlame maa ® pefnwnth
1008 mos. @ permerte
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1t01TiCoSmv6eaeindbndafs6lelnwamw thamcFE84-
t1m ~~~~ryeih,ohe FLOWER LAW, LLC S -
i 440.50 tm,m cFE 831
t 103 o~,,,mr. tlde mwrsnw
u i -
tneuronw
n of u,wds m
nrss Laadere e7Gs po0c7 mrdl i -
1108 OsmehtOrepsOryimd S 131,tt00.00
S 308.35
I for llasnte paNan of fatal t8fs inrursnae P+~ 13215
S
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1207 TmahrTsras
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t2od cynpanryl~ used E1,319.00 8rort0e0r.
t2os subt.,ruanps: oaaa 51,319.00 Mo~aOS: 5
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13a FINAL WATER AND SEWER; CHARGES TO NMTtUA • ACCT N0.1300003d
Funds er
300.00
0.00
0.00
hid Fram 7a1
9e0sta
Fuide er 701
.nmmom 702
7,914.00 ms
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I direct and authorize Frey & T1ley to make distributions indicated for my account on the attached HUD-1 Settlement Statement, approving the tax proraflons indirated
(herein, and understand that proretlons were based on flgures for the preceding year, or eat€mates for Ute current year, and in the avant o(eny change for the currant
year, all necessary adjustments must be made between Seller and Borrower aired; likewise any DEFICIT in delinquent taxes will be reimbursed to Fray 8 Trley by Seller.
I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge end belle(, it is a true end accurate statement of all receipts and
disbursements made on my atxaunt or by me in this transaction. I further certify that I have received a copy of the HUD•1 Settlement Statement.
BARBARA S. B. BARRY
ESTATE OF MARGARET J. COSGROVE
PATRICK M. COSGROVE, EXECUTOR
To the best of my knawledge, the HUD-1 Sellement Statement which I have prepared is a True and accurate account of the funds which were received end have been
or will tre disbursed by the undersigned as part o} the settlement of this Uansadian.
Jub 26. 2011
Frey & Tlley, Settlement Agent Page: of ~ Date
Cohpar<aalra~GoadFplthiEs~1!?tate':It3FE).a;<dtiUD-l:Gflar6es _ : _.. - ,; Good.Filth.eepmate._...:...!!UO~1~---
Charges That Cannot Increase HUD-t Llne Number
Our originaBan charge • ear 0.00
Your credit ar charge (painesy for the spedfic Interest rate chos s eo: 0.00
Your adJusted origination charge s soa 0.00
Transfer taxes s t:a 1319.00
.w1.a['6t?!tl. ~.~ ~t1LT~~C~I{-CQC1ttCrB-dQ.B.jIAtItB,TF18n 10~i_:.'..:: ~- ~_.. _ _ ..~ OOOd Faith Eetlma~e ' ~_ trUD~t_,.~ ~,i
Gorvemment recording charges s tsar 62.00
Appraisal Fee sea
Credit Repoli few
Tax Service Fee sam
Flood Certlftwllon Reor
0
s
0.00 62.00
C[~a[gtii-?~hetCen:Charf9a_. ,-- °¢ - -- _._-; _ aoodF,StIM~Etit(nwte_-._-,HUQ•1..._.__,
Initial deposit for your escrow aooount s tool
Dally Interest charges seat ~ o.aaota lday
Homeowners Insurance + eon
True Services and Lenders T1Ua Ins. ntot
Owners Coverage n tos
s
~aan Terms
Your lnltlal Lean amount Es S
Your lean tantt Is ears
Your Inltlal Intsrest rate h
Your GUtlrd monthly amount owed for pdnctlpal, Isteresl, and Indudes
artymortgaselnaursncala ~ Principal
~_ Interest
Mon a e insurance
Can your Intarogt rtno Ass? _ No _ Yes, It Can rise to a maximum of _%. The first change will 6e
on and can change again every after
. Every change dale, your Interest rate Can increase or decrease
by _Ys. Over the life of the loan, your interest rate is guaranteed to never be
lower than °/a or hi her then %.
Evan H ou maks manta on Nmo can our loan balance rlast No Yes it can rise to a maximum of S
Evan lfyou moka payments on pme, wn your monthly _ No _ Yes, the first increase can ttt- on and the monthly amount
amount awed far nil Intersa and m Insurance rlas9 owed Can rise to S
The maximum it can ever rise t0 is S
peso ur lean have a art No Yes our maximum re e ment anal is 3
pees yourloan have it balloon psymontR _ No _ Yas, you have a balloon pahment of S due in
ears on
Total monthly amount owed Incrudinp aseraw acwum paymenea _ Yau do not have a monthly esuow payment far items, such as property
taxes and homeowners insurence. You must pay Ihesa items directly yourself.
You have an additional monthly escrow payment of 30.00
that reaulls in a total InlUal monthly amount awed of S .This inGudes
prindpal, interest, any mortgage insurence end any items checked below:
Progeny taxes _ Homeowners insurance
Ftcad Insurance _
Note: If you have arty questions about the Settlement Charges and Loan Terms listed on this form, please contact you lender.
vase ~ or• Huo-l
REGULAR SAVINGS ACCOUNT:
Account Number/Suffix 101155-00
Date Account Established 03/30/1988
Principal Balance at Date of Death $251.71
Accrued Interest to Date of Death $.02
Total Principal and Accrued 'rnterest $251.73
Name of Joint Owner None
CHECKING ACCOUNT:
Account Number/Suffix 101155-11
Date Account Established 03/30/1988
Principal Balance at Date of Death $3,770.55
Accrued Interest to Date of Death $.08
Total Principal and Accrued Interest $3,770.63
Name of Joint Owner None
M ERS 11STA1F QEDAER L T UNION
~~/~--
Danielle A. Kline
Lending Insurance Support Specialist
August 4, 2011
Estate of: Margaret J. Cosgrove
Date of Death: 03110/2011
Social Security Number: 172-26-7600
_ _
~= o~i ~-
5000 Louise Drive P.O. Box 40 Mechanicsburg, Pennsylvania 17055 ° (800) 283-2328 ° wwwmemberslst.org
Daniel W. Stott
157 South Hanover Street
Carlisle, Pennsylvania 17013
Phone (717) 243-8077
Fax (717) 243-1748
StottD(c~,HDvest. net
Baric and Scherer
C/O David A. Baric
19 West South Street
Carlisle, PA 17013
(717)249-6873
September 20, 2011
RE: Estate of Margaret J. Cosgrove
S.S. # 172-26-7600
Date of Death: March 10, 2011
Dear David:
As of March 10, 2011, Margaret J. Cosgrove had 3 accounts with my office.
The first account titled in her name only, with the fund name: DWS Balanced Fund-A was an IRA.
The NAV (Net Asset Value) was $9.23 a share and she held 2755.16 shares, equaling a $25,430.13
DOD value.
The second account titled in her name only, with the fund name: DWS High Income Fund-A was an
IRA. The NAV was $4.90 a share and she held 2496.526 shares, equaling a $12,232.98 DOD value.
The third account titled in her name only, was a Non Qualified Annuity through Zurich American
Life Insurance Company. The DOD cash value was $ 36,274.81. The DOD Death Benefit value was
$51,238.43.
If you have any further questions please contact me by phone or in writing at (717) 243-8077 or
157 S. Hanover St. Carlisle, PA 17013.
Thank you.
Sincerely,
i~
Daniel W. Stott
Securities offered through H.D. Vest Investment Services,
6333 North State Highway 161, Fourth Floor
Irving, TX 75038, (972) 870-6000
PROOF OF PUBLICATION OF NOTICE
IN CUMBERLAND LAW JOURNAL
(Under Act No. 587, approved May 16, 1929), P. L.1784
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
ss.
Lisa Marie Coyne, Esquire, Editor of the Cumberland Law Journal, of the County and
State aforesaid, being duly sworn, according to law, deposes and says that the Cumberland Law
Journal, a legal periodical published in the Borough of Carlisle in the County and State aforesaid,
was established January 2, 1952, and designated by the local courts as the official legal
periodical for the publication of all legal notices, and has, since January 2, 1952, been regularly
issued weekly in the said County, and that the printed notice or publication attached hereto is
exactly the same as was printed in the regular editions and issues of the said Cumberland Law
Journal on the following dates,
vlz:
Apri18 April 15, and April 22, 2011 _
Affiant further deposes that he is authorized to verify this statement by the Cumberland
Law Journal, a legal periodical of general circulation, and that he is not interested in the subject
matter of the aforesaid notice or advertisement, and that all allegations in the foregoing
statements as to time, place and character of publication are true.
/~
Cosgrove, Margaret J. a/k/a Mar-
garet Cosgrove, deed.
Late of Cumberland County.
Executor: Patrick M. Cosgrove.
Attorneys: David A. Baric, Es-
quire, Baric Scherer, 19 West
South Street, Carlisle, PA 17013,
(717) 249-6873.
~,is Marie Coyne, Edi~or
SWORN TO AND SUBSCRIBED before me this
22 of April, 2011
~•
Notary
~~~ NOTA.RIN.L ~ERL
DEBGRAH A COLLINS
Notary Public
CARLISLE BOROUGH, CUMBERLAND COUP~TY
My Commission Expires Apr 28, 2014
PROOF OF PUBLICATION
State of Pennsylvania, County of Cumberland
Taclcie Cox, Retail Sales Manager, of The Sentinel, of the County and State aforesaid,
being duly sworn, deposes and says that THE SENTINEL, a newspaper of general
circulation in the Borough of Carlisle, County and State aforesaid, was established
December 13,1881, since which date THE SENTINEL has been regularly issued in said
County, and that the printed notice or publication attached hereto is exactly the same as
was printed and published in the regular editions and issues of
THE SENTINEL on the following day(s):
April 1, April 8 and April 15, 2011
COPY OF NOTICE OF PUBLICATION
` ESTATE NOTICE .
` Letters Testamentary m the Estate of MARGARET J. COSGROVE a/k/a
MARGARET COSGROVE, late of Cumberland County we~e`granted to
Patrick Nl. Cosgrove on March 24, 2011':' -
All persons knowing themselvesto be indebted to said Estate are requested to
make immediate payment and those having claimswill present them,
without delay, to the untle~signed:
David A.'Banc Esquire:
:Banc Sctie~er
79 West South Street
Carlisle PA 120:43
(717) 249-6873:
Affiant further deposes that he/she is not
interested in the subject matter of the
aforesaid notice or advertisement, and that
all allegations in the foregoing statement as
to time, place and character of publication
are true.
and subscribed before me this
Notary Public
My commission expires:
NOTARIAL SEAL
BAMBI ANN HECKENDORN
Notary Public
CARLISLE BOROUGH, CUMBERLAND CNTY
ivly Commission Expires Jan 27, 2014
$77,860.71 balance of account
$-2,000.00 remaining attorney fees/costs
$75,860.71 balance for distribution
$5,000.00 distribution to Hannah Cosgrove
$5,000.00 distribution to Grace Cosgrove
$5,000.00 distribution to Jack Cosgrove
$5,000.00 distribution to Michelle Randalls
$5,000.00 distribution to Chris Heishman
$5,000.00 per grandchild out of each son's share
($15,000.00) for Patrick
($10,000.00) for Michael
$22,930.35 to Patrick Cosgrove
$27,930.35 to Michael Heishman
EXHIBIT "B"