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Home My WebLink About10-04-12 (2)1505611188 _J REV-1500 Exloz-tt)lFp ~ OI'FICIAL USE ONLY pennsytvania PA Department of Revenue ""'"°"""""" County Cotle Vaar File Number apreap pf lndividualraxes INHERITANCE TAX RETURN Po sox zeaeot 21 12 014 8 Harrisburg,PA 1rt28-BBBI RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Secunty Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 189 34 5482 Q1 09 2014. 05 D4 1945 Deceden's Last Name Novosat (11 Applicable) Enter Surviving Spouse's Informadon Below Suffix Decedent's Rrst Name Carol MI L Spouse's Last Name Suffix Spouse's Rrst Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW ~ 1. Original Return D 2. Supplemental Return O 3. Remainder Return (Date of Death Prior to 12-13-82) I~ a. Limited Estate [~ 4a Future Irnerest Compromise (date of O 5. Federal Estate Tax Return Required tleath after 12-12-82) ~ 6. Decedent Died Testate l~ 7. Decedern Maintained a Uving Trust 3. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy o} 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 sectlon must t1e completed. All Correspondence and Confldenflal Tmt Information Should be Directed to: Name Daytime Telephone Number Elyse E• Rogers, Esquire i'17 612 5801 Rrst Line of Address Saidis, Sullivan & Rogers Second Line of Address 635 North 12th Street, Suite 40~ City or Post Office State ZIP Code Lemoyne PA 17043 ~3 OF WILLS UBE f7NLV REGI9 0 _m rMY J ~ j v ~ p 1=J ... ~~f'-, t_r r2; , .u t .c- r~ ~n ~.~ s< C O ~t i~ ~ -o -*'~ T C-1 G T1 ~ a, f y r 1 •• r. TE FILEO (`J J Correspondents a-mall address: efOQefs .SSr-attOrneyS.COm Un der pane Ries of perjury, I tleclare that I have examined this return, inc lading aanompanying sc hatlules and s W Cements, antl to the best of my knowled Be and belies, iYis true, correct antl complete. Declaration of the preparer other than personal representative is based on all information of which praparer has any knowletl Be. Enola BA 17025 SIGNATU OF PREPARE E T NI ADDRES 5 orth 12th S f Lemoyne, PA 17043 PLEASE USE ORIGINAL FORM ONLY Sltle t 15U5611188 :L505611188 Rev-1500IX (FI) 15D5611288 Decedent's Nama: Caro 1 L N o v o s a t RECAPITULATION 1. Real Estate (Schedule A) ......................................... 1. 2. Stocks and Bonds (Schedule B) ................................. ... 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) ~ ~ ~ ~ • ~ 3. A. Mortgages and Notes Receivable (Schedule D) ...................... ... a. 5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E) .... ... 5. 6. Joirnly Owned Property (Schedule F) D Separate Billing Requested ~ .. ... 6. 7. In[er-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) O Separate Billing Requested ~ ~ ~ ... 7. B. Total Gross Assets (total Lines 1 through 7)~ ........................ ... 8. 9. Funeral Expenses and Administrative Cosls (Schedule H) ~ ~ ............. ... 9. 10. Debts of Decedent, Mortgage Liabilities, and Liens (Schedule I) .......... ... 10. 11. Total Deductlons (total Lines 9 and 10) ........................... ... 1 i. 12. Net Value of Estate (Line B minus Line 11) ................... ......... . 12. 13. Charitable and Governmental 8equestslSec 9113 Trusts for which an election to tax has not been made (Schedule J) ~ ~ ........... ......... . 13. 14. Net Value Subject to Tax (Line 12 minus Line 13) ~ ............ ......... . 14. TAX CALCULATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amourn of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 D ' D D (aN1.2) X .00 15. 16. Amourn of Line 14 taxable 2 4 , 2 61 •4 8 at lineal rate X .045 1 s. 17. Amount of Line t4 taxable D • D D at sibling rate X .12 17. 18. Amourn of Line 14 taxable D • D D at collateral rate X .15 18. 19. TAX DUE .................................................... 19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVEflPAYMENT Decedent's Social Security Number 189 34 5482 104,900.00 1,875.50 D•DD D•DD 7,274.72 D•Do D•DD 114,050.22 23,951.26 65,837.48 89,788.74 24,261.48 0.00 24,261.48 0.00 1,091.77 0.00 0.00 1,091.77 D Side 2 1505611288 1.505611288 ,~ Rev-1500 EX (FI) Page 3 Decedent's Complete Address: Flle Number 21 12 0148 DECEDENTS NAME Carol L. Novosat STREET ADDRESS 220 Brian Drive CITY Enola STATE PA ZIP 17025 Tax Payments and Credits: 1. Tax Due (Page 2 Line 19) 2. Credits/Payments A. Prior Payments 0.00 B. Discount 0.00 (1) 1.091.77 Total Credits (A + B) (2) 3. Interest 4. I} Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. FIII in Oval on Page 2, Llne 20 to request a refund. 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (3) 0.00 (<) (s) 1, 091.77 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 ~~~•~~~~~•~~~~•~•~~••~~~•••~~••~~~~•~ ^ b. retain the dght 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? ........................... Q 2. N death occurred after Dec. 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? ....................................... Q 3. Did decedent own an "intrust for" or payable-upon-death bank account or security az his or her death? .. ^ 4. Did decedent own an individual retirement account, annuity or other non-probate property, which contains a beneficiary designation? ............................................. Q IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS VES, 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 «ansfers to or for the use of the surviving spouse is 3 peroent [72 P.S. Sect. 9116(a)(1.1)(i)]. For dates of death on or after Jan. 1, 1995, the taz rate imposed on the net value of transfers to or for the use of the surviving Spouse is 0 percent [7z P.S. Sect. 311 s(a)(t1)(ii)]. The statue does not exempt a transfer to a surviving spouse from tax, and the statutory requiremerns for disclosure of assets and tiling 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 raze 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 peroern [72 P.S. Sect. 9116(a)(1.2)]. • The tax raze imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.:i percent, except as noted in [72 P.S. Sect. 9116(a)(1 )]. • The tax raze imposed on the net value of traiuiers to or for the use of the decedern's siblings is 12 percent [72 P.S. Sect 9116(a)(1.3)]. A sibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, evhether by blood or adoption, REV-1502 EXa101-10) pennsytvania SCHEDULE A p4 VA0.1 M~'N'r OF aPYrW JP INH ERITANCE TAX RETURN REAL ESTATE RESIn ENT ^ECEOENT ESTATE OF: FILE NUMBER: Carol L. Novosat 21 12 0148 All real DroDerty owned solely or as a tenant in tom mon must be reported at fair market value. Fair market value is defined as the price at whit h DrcDerty would be If more space is needed, insert additional sheets of the same size. REV -1503 E%r (8-98) SCHEDULE B COMMONWEALTH OF PENNSYLVANIA STOCKS & BONDS INH ERITANCE TAX HETl1RN RESIDENTDECEDENT ESTATE OF FILE NUMBER Carol L. Novosat 21 12 0148 _ (If more space is needed, insert additional sheets of the same size REV-1508 EX*111-101 Pennsylvania SCHEDULE E UE VAPIM4 Nf CII N y'iNUt CASH, BANK DEPOSITS, & MISC. INH ERITANCE TAX RETU RN pERSONAI. PROPERTY RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Carol L. Novosat 21 12 0148 Include the proceeds of litigation and the date the proceeds were received by the estate. All property lolntly owned with right of suMvorshlp must be disclosed on Schedule F. 1 PSECU Checking Account 683.24 Per 2/21 /12 letter Interest on above item accrued as of decedent's death 0.02 2 PSECU Savings Account 174.52 Per 2/21/12 letter Interest on above item accrued as of decedent's death 0.11 3 PSECU Vacation Account 0.03 Per 2/21 /12 letter 4 Susquehanna Bank Savings Account 203300000734 185.19 Per 02115!12 letter Interest on above item accrued as of decedent's death 0.01 5 PSECU Money Market Account " 188.52 Per 2/21 /12 letter 6 Misc. Household Items 1,740.00 Per appraisal 7 Erie Insurance Refund 32.00 8 2003 Chevrolet Impala 3,000.00 Sale price 9 Card Club Reimbursement 93.00 10 Misc. Wrapped Change From House 61.50 11 Gold 566.58 Per deposit 12 Alimony Payment 550.00 TOTAL (Also erner on line s, Recapitulation) 7,274.72 If more space is needed, insert additional sheets of the same size REV-1511 EXrl ID-09) Pennsylvania pFYAP1 MENi dY {R YFMUk INM ERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER Carol L. Novosat 21 12 0148 Decedent a debts must 6e reported on Schedule I. A. B. 1. FUNERAL EXPENSES: See schedule attached ADMINISTRATIVE COSTS: Personal Representative Commissions'. Name(s) of Personal Representative(s) _ Street Address _ _ 4,516.43 City State _ Zip Year(s) Commission Paid: z. Anomey Fees 3,500.00 3. Family F~cemption: (If decedent's address is not the same as claimant's, attach explanation.) Claimant Street Address City State! Zip Relationship of Claimant to Decedern A. Probate Fees: 279.50 5. Accountant Fees: 6. Tax Retum Preparer Fees: See schedule attached 15,655.33 TOTAL (Also erner on Line 9, Recapitulation) I 23,951.26 If more space is needed, use additional sheets of paper of the same size. Page 2 Estate of: Carol L. Novosat 21 12 0148 Schedule H, Part A -Funeral Expenses Item Number Description Amount 1 William B. Novosat, reimbursement for payment to Hoffman Roth 2,263.47 2 William B. Novosat, reimbursement for payment for musicians and alter 220.00 boys for funeral service 3 Kimberly Smith, reimbursement for payment to church and for flowers 960.00 4 Brett Novosat, reimbursement for funeral luncheon 137.96 5 Brett Novosat, reimbursement for memorial stone 735.00 6 Lou Perry, burial 200.00 TOTAL. (Carry forward to main schedule) ...... 4,516.43 Estate of: Carol L. Novosat Schedule H, Part B -Administrative Costs Miscellaneous Expenses Item Number 7 PPL 8 PA Dept of Transportation, car registration 9 Sewer 10 Water 11 Saidis, Sullivan & Rogers, out of pocket expenses 12 Terminex 13 Beth Novosat, reimbursement for payment 14 Westwood Village, community fees 15 PPL 16 Westwood Village, community fees 17 East Penn Township, sewer 18 PA American Water 19 Westwood Village, community fees 20 PPL 21 PA American Water 22 PPL 23 Westwood Village, community fees 24 Erie Insurance, vehicle insurance 25 Erie Insurance, home insurance ($141 - $130 refund) 26 PA American Water 27 PPL 28 East Penn Township, sewer 29 PPL TOTAL. (Carry forward to main schedule) ..... , Page 3 21 12 0148 Amount 112.00 36.00 112.00 15.57 243.30 150.00 86.32 142.00 112.00 132.00 151.80 31.45 132.00 112.00 13.79 81.99 132.00 6.00 11.00 14.78 81.99 138.00 81.98 2,129.97 Page 4 Estate of: Carol L. Novosat Schedule H, Part B -Administrative Costs Miscellaneous Expenses Item Number 30 PA American Water 31 Expenses associated with sale of 220 Brian Drive, Enola, PA $ 8,696.76 Settlement charges 5 574.18 Seller's assistance (price reduction) $14,270.94 Minus $ 93.62 County taxes 8/31/12-12/31/12 $710.40 School taxes 8/31/12-6/30/13 46.50 Sewer - J/A/S 8/31/12-9130/12 $850.52 Total adjustments for items paid by seller in advance 32 PA American Water 33 Cumberland County Register of Wills, filing fees 34 Cumberland County Register of Wills, additional probate fee 21 12 0148 Amount 14.78 13,420.42 10.16 30.00 50.00 TOTAL. (Carry forward to main schedule) ...... 13,525.36 REV-1514 E%t (14-OB) Pennsylvania 1)k VANIMFNI O'NFVENUE INH ERITANCE TAX RETURN RESID ENT DECEDENT SCHEDULEI DEBTS OF DECEDENT, MORTGAGE LIABILITIES & LIENS ESTATE OF FILE NUMBER Carol L. Novosat 21 12 0148 Report tlebts incurretl by decedent prior to death that remained unpaid at the tlate of death, including unrelmbursed medical expenses. 1 I Bank of America Mortgage 59,847.17 Per 7/24!12 letter 2 PSECU Visa 479 97 3 PPL 112.00 4 HSBC 43.16 5 Check written prior to, but clearing after decedent's date of death 99.70 6 PSECU, Visa -late fee and finance charge 27.81 7 PPL 112.00 8 PA American Water 42.44 9 ChaseJAmazon.com, credit card 46.22 10 West Shore EMS 1,010.90 11 East Penn Township, sewer 151.80 12 Comcast ($358.66 - $74.83 refund) 283.83 13 Kimberly Smith, reimbursement for gift for Christie ($100 minus $50 50.00 proceeds from books and clothes) 14 Westwood Village 284.00 15 QVC, credit card 87.51 16 Westwood Village, community fees 132.00 17 QVC 26.87 18 Loan from Brett and Tara Novosat for Decedent to buy vehicle 3,000.00 TOTAL (Also emer on Line 10, Recapiitulation) 65, 837.48 If nwre space is needed, insertadditional sheets of the same size REV -153 EXt101-10) pennsylvania SCHEDULE J pVPAP1 MLN! p( HY VLNIlf INH ERITANCE TAX RETURN BENEFICIARIES RESIDENTDECEO ENT ESTATE OF: FILE NUMBER: Carol L. Novosat 21 12 0148 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NuMeE NAME AND ADDRESS OF PERSONS RECEIVING PROPERTY DO Not List Trustees OF ESTATE x TAXABLE DISTRIBUTIONS [Include outdgM spousal distributions, and transfers under Sec. 9t 16(a)(1.2).] William B. Novosat Son 8,087.16 351 Sample Bridge Road Enola, PA 17025 Beth A. Novosat Daughter 8,087.16 110 Walden Way Mt. Airy, MD 21771 Kimberly Ann Hammaker-Smith Daughter 8,087.16 607 Iron Spring Road Hummelstown, PA 17036 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES I5 TH ROUG H 180E REV-1500 COVER SH EET, AS APPROPRIATE. xx NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX I:I NOT TAKEN: B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. If more space is needed, use additional sheets of paper of the same size. ~1rif51' ~tX~ Mlt~ ~P$~EililEYT~ ~~f ni n_ i_ ~~ r~sr-ai 1., CnGI:J.. L. 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'lo h i -n, ~c9 i r v ,~I~:eF ~:a f. 1 - iUi ~^f; !+ L7zni~1. ~ ar'u-. i IiaC 1 rli r, I:I i; :- oar y.nrf li i ~ v,.., ~+_ eni r I a py_ f ".es tl r v=in e to ,rerp, '~ t' ..cl ~. AJ ,aP Ei ,a -n or ri. r"med ~ ;a~"I rj < I i ~v. I r~r1 t Ilr~fo n.:. a d1,1 .;.,.,,. I is l ':AI°~tll. L.. I`I^4~c f\'f„ 1-.1i III F.=-I i.,;, ~~77\... _ il. ,~ September, +. `?;a `~' , I" 1 TIII~S p ~ 13 u,• N9f AD1A1 51N PiAIEE IE I~ IJO yf blm My La E ,~b w :0 1990 IiP'I f; ll: yf it III ^f I f HI I eYl l _ I , i 'll !fµl-', II :L. :4 N IOiJ ~ rl,':nat ~ s„3i - tmr-.- ,~,+~ ~Clrbarci ,~. /Tfr/Cn~~1 tnF i.i I neF. t a~l'tfa i tmeS 11 r ~ f. rfnr rl i_i'r 1 I d;_1 rl a Sri #t G~~~:inrl I uql FLI IL PII7. bB rlrl f~ll].'/ f L t1. E' l ! -i~1 1 U I_D 1 JrJ (jc-t 1 n ._lr r tF ~_ Ise ~c'F In i~41~11 I <ri ;I „u. 1 It. "I'i.-I_ Ii;Cf •ru ~iiJ _ 'lyr-~ 'i_n Ir un~lrl: ha'r ?. ~ I I,y;1 I ~1 +sli ,~n~r^ ~ I lino ..nc! II„it sslu nreul ~rl 1- ~. ~I r~l =m ral iii ~rA- I en- 1hr- I' ' I"`_ I I~r -F: i ~- I i~_ ,.1 I hs+I r h of r= ir; ~ I a~'; i ~1 .aPLL :Fie 7 r, I, ix a"~d !'I~I Ili.] I. - 1 _:~ r, -:~.n[' tr,. ale-I r l Sul Il u•tv'['Y iA~- I,. C"-;. .~ ,'C hr I n;e ~li r?r: ~.~ ~~, , l`I! a mn-c~ y i- ~ rlr,. 1 _ nti rri r, l-1 ~I~•l r, _r.,i-I ;hf rind l']. ~. ~. I.n, ..\ ~~~~ ~~~, ~.~a ~ ~ n.r~• i ~e' fl l'k•; f9 Eii rII all .-I i~jb4i'~1 kr' 'n vir, ~, I~.ir r, c_ I 1. i''[ I _f y. h. ~_ l I. r y ~ yrh ti..lir~ttly ,C. /7 1~[jllny~f/ , i ~ rs h _.. I +; n~ I I nmh4 l I "V'9 .. v ,t..l4 c:,~oae~_ I°I_ ~~mnu. F~. nirl P•.pires.. NOTARIAE SEAL GAII E LESSEP,. IJOfary Public Lock Flauen. OL~tu~ County, Pe. My Commizsian Expires Av S. 2n, 7990 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION IN RE: ESTATE OF CAROL L DECEASED NOVOSAT NO. DISCLAIMER The undersigned, WILLIAM J. NOVOSAT, being the former husband of CAROL L. NOVOSAT, intending to be legally bound, makc;s the following disclaimer: Disclaimant hereby disclaims all right, title and interest he may have in the Estate of Carol L. Novosat. This Disclaimer is irrevocable and unqualified. IN WITNESS WHEREOF, the undersigned has set his hand and seal this day of , 2012. Witne s WILLIAM J. NOVO AT n ~. ~ o ~, ~.. ~~ ~ ~ ~ ~ ( ~ G p N n~ GG O1 c~G ~ r l O C ~ -n _ ~ T .. ~ 1 ~ L~ Q ~ ~ COMMONWEALTH OF PENNSI~VANIA COUNTI' OF CL ~ n ~Fon SS On this, the ,~ day of F ~b ' , 2012, before mte, a Notary Public, the undersigned officer, personally appeared WILLIAM J. NOVOSAT, known to me (or satisfactorily proven) to be the person whose name is subscrik>ed to the within instrument, and acknowledged that he executed same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and notarial seal. Notary ublic My Commission Expires: ~ ~ ~~ 2 /'~~ ~ 1 (SEAL) COMMONWEALTH OF PENNSYLVANIA Notarial Sael Margaret L Johnson, Notary Public Beltl Eagle Twp., Clinton County My Commission ExPlres Oct 12, 2012 Memear, Pennaylvanlo AYaaalatlon n}Notaries ~~fq. , OMB Approval Ne. 2502-0265 iVidu A. Settlement Statement (HUD-1 )I FINAL 1 ^ FHA 2. ^ RHS 3. ^X Conv. Unms 6 File Number 7 Loan Number. B. Mortgage Insurance Case Number 12-1016GC 1258295 4. ^ VA 5. ^Conv. Ins. C. Note. This form is furnishetl to give you a seatement o! actual settlement costs Amounts paid to and by the settlement agents are shown. Items marked "(po c)" were paid oulsitle the Gosmg- they ere shown here for inforrnalional purposes and are not in<luded In Ue totals. D. Name 8 Address of Borrower'. E. Name & Address of Selfer F. Name & Address of Lender: Jeffrey M. Anderson William S. Novosat, Executor of the Eslale of Carol Susquohanna Bank 99 Beacon Drive, Hartisbmg, PA 17710 Novosat 3501 Concord Road, Suite 350, Vork, PA 220 Bnan Drive, Enola, PA 17025 17402 G. Property Locallon: H. Seltlemenl AgenC I. Selllemenl Dale: 08/3Y2012 220 Brian Drive Guardian Transfer Corporallprl piebursement Date: 0 813 12 0 1 2 Enola, PA 17025 4075 Market SL, Carnp HIII, PA 77017 East Pennsborc Township 717-809-0700 Place of Batllemenf. Ti0eExpress 4775 Lingleslown Road, Harrisburg, PA 17112 Printed 08/31/2012 of Safi pm by JMG 100. Gross Amount OUe from Borrower 400. Gross Amount Due to Seller 101 Contract sales price 104,900.00 407. Conlracl sales price 104,900.00 102. Personal ro ed~ 402. Personal ro en 103. Selllemanl charges to borrower tune 1400) q,723.66 403. 164. 404. 105. 405. Ad'ustmenls for Items eld b seller In advance Ad ustmenis fnr Items paid by seller In advance 106. Gilyllown taxes l0 107. County taxes 06/3112012 to 1213112012 83.62 406. City/lows lazes to 407. County luxes 081311201210 12/37/2012 93.62 108. School taxes 0813112012 to 06130/2013 109 Sewer - JIA/5 08131/201210 09/3012012 710.40 46.50 408. School trues 0 613 112 01 2 to 06130/2013 409. Sewer ~ ,IIA/5 08/311201210 09/30/2012 710 40 46.50 110 410. 111. 471. 112. 412. 120. Gross Amaunl Due Irom Borrower 110,474.18 700. Amounts Paltl b or in Behellof Borrower 201. peposil or earnest money - 1,00000 470. Grass Amount Due to Seller 105,750.52 500. Reductlcna In Amount Due to Seller 501. Excess deposll (see inslrucliens) ~~~ 202. Principal amount of new loan(s) 101,753,00 502. Setllemenl charges to seller (IIne 1A00) 6,696.76 203. Exlstln loo s taken subed to 503. Exislln loo sl taken sub~ecl le 204. 504. Pa off of first mon a e loan 205 505. Paye0 0l second mongage loan 206. Sellers Assistance 5,574.16 506. Sellars Assistance 5,574 78 2W 507. 208. 508. 20° 509. Ad'ustments for Items un aitl b seller Ad uslmenls for Items unpaid by seller 270 Cllyltown lazes l0 510. Cllyllown taxes to 211 County taxes to 511. County lazes to 212 School taxes l0 572 School races to 213. 513. 214. 514. 215. 515. 216. 516. 217 517. 218. 518. 219. 519. 220. Total Paid b Itor Borrower 108,327.18 300. Cash at Settlement fromlto Borrower 301 Gross amount due Irom borrower Qine 120) 110,474.18 520. Total Raeiucdon Amount Due Seller 14,270.94 600. Cash a<Settlement toflrom Seller gp1. Gress amnunl tlue to seller (IIne 420) 105,750.52 302 Less amounts pall byllor borrower (IIne 220) 108,327.1H 602. Less ieduc0ons in amoum due seller (line 520) 14,270.94 303. Cash ^X From ^ To Borrower ,.~,.~..m,~s..,, o, ,..~e~~o„~~„ate. „,,,. a, gym... m.~~~o.. 2,147.00 ,.ma,,.~a,a.. ~~LL~.~..ma.. . 603. Cash ^% To ^ From Seller ,~,no ~.. ,,ram v,~~arm-r.m..,,,.... .,.,,_ .. ........ 91,479.56 .......r~,- See attached addendum for additional information Previous etlitions are obsolete Page 3 of 4 NUD1 799. Total Real Estate Broker Gees 55,916.36 ~ ~ Paid From Paid From ' Division of commission linene 700 ass follows. Borrower's Seller s 701. $2,956.18 to Joy Daniels Real Estate LTD FlJndS at Funds aC 702 $2,950.18 to Coldwell Banker Seled Pro(esslonals 7D3 Cornmissien paid a1 settlement ~~ Settlement Settlement 5,91fi.3fi 800. Items Pe able In Connection vdth Loan A01. Our orlglnafien charge (Inclutlas Orlginahon POin10.000% or $0-00J $895.00 Prom GFE#1J 802. Your cradll or charge (points) for the speclflc inlemm rate chosen $ (from GFE #2) 803 Your adjusted origination charges Qrom GFE A) 895-00 904. Appraisal tse to ALS IndA ralsal La islic Solutions Inc (from GFE q3) 460.00 805 Gredll report to Krell Factual Data Gor (from GFE #3) 1548 806 lax service to Frsl Art+etican Real Estate Tax Svc Thom GFE#3) 93.00 807. Flood cedilication to Corelo is Flootl Services (from GFE #3) 12.50 808. to 900. Items Re uiredb Lender to be Paid in Atlvance 901. Daily Interest charges fmm from 08!3112012 to 0910112012@$10.24601day (Tram GFE #10) 902. Mortgage insurance premium far months to (from GFE #3) 10.25 903 Homeowner's insurance for 1 years to Saleco Insurance. Urom GFE #11) 250.00 gpq months 1o prom GFE #11 1000. Reserves Deoosiled with Lender 1001 Initial tleposlt for your escrow account (from GFE p9) 34643 1D02. Homeowner's insurance 3 months Cu7 $ 20.831monlh $EZ 49 1 D03- Mortgage Insurance months (d $ 0-p0lrnonlh $ 1004. Property taxes months $ OOOlmonth $ 1085. County taxes 7 months $ 23.2?Jmonth $16254 1006. School taxes 3 months $ 71.OBImonth $27324 1007. Aggregate Adjustment $-92.84 1100. Title Char es 1101. TI11e services and lenders tills insurance Irom GFE #4 1,2720P 10.00 7102. Selllemenl or closing lee to $ M1103. Owner's tltlainsurance- Tflle Resources Guaremy Company from GFE #5 15.00 1104 Lenders lltle Insurance-Tllle Resources Guaranty Company $1,105-00 1105 Lender's 4itle policy limit $101,75300 Lender's Policy 1106. Owne's 911e policy Ilmil $104,900,00 Owners Policy 1107. Age,d's Aonion o14he total line insurarue premium $98615 to Guardian Transler Car oration 1108. Underwriter's portion of the local title insurance premium 5213.75 to Title Resources Guarani Com an 110g 1200. dovermnent RecoNing and Transfer Charyes 1201. Government reco~ng charges $ ftrom GFE#7j 1fi4A0 1202. Deed $62.00 Moncage $10200 Release$ 1203. Transfer laxas $ Qmni GFE pB) 1,04900 1204. CilylGounly laxlslamps Deed $1,049.00 Mon a e$ 1205. Slate Taxlstamps Deed $1,049.00 Mod a e $ 7,049.00 7206. Deed $ Mon a e $ 120E $ 1300. Addltlonal Settlement Charges 7301. Reguired services that you can shop for Qrom GFE #6) 1302. School Taxes to Debbie Lupold 852.95 1303. 2012 COITwp Taxes Io Debbie Lupold 30645 13D4 Resale Getlilication to Weslwpod Villa eCOndominium ASSOC. 100.00 1305. August HOA Dues la Weslwcod ViA CorMomiMUm Assoc. 132. 1306. September HOA Dues to Westwood Villa e Condominium Assoc. 1307. Electrical Repair to Sle hen Bnnk Conslrucliort 132.00 330 QO 7308. Sewer Service Fee to Easl Pennsboro Consumer Office 1000 ,rr .. .~ ..~.~ ~..:~_. .. r~ I ~ . .,• t . 4,723.66 8.696.16. 'Paitl outsltle of clwing by (Slorrower, (S)eller, (L)ender, (I)nvestor, Bro1K)er. "Credll by lender shown on page 7. ^'Credlt by seller shown on page 7. See attached addendum for additional information Prevloos editions are obsolete Page 2 of 4 HUD-1 - Com orison dLGOOdIF.alth EsOmete.IGFt1 and HU08,Charges - Gootl FalthEStlmale --- .HUG+1 Char ea,Thal Canndflif6rease NUp-t Llnd Number Ourorigmatloj!_chargg,;;r - ip ;841 - ass o0 895.00 Your credit or dlarge'(pdinls) for the specific mteresl'rate chosen q , 802 U 00 U.00 Youiadtusted ogglnallohcharges W..803 895.00 895.00 Transfer taxes 1203 1,04900 1,049.OU Charges That ln7atdl Cinn6t lncreaee;Mbre Than lO%:.. ~ .Good FellH Edlmate HUD+i GoverdmenlrernNi(lg chpfges $ 1201 160.00 ___ 1640D Appraisal lee N B04 460.00 460.00 Gretli~yepoq q_805 25.84 15.48 Tax service , 8..806. 93 00 93.017 Flood oenlfaatlon q 807 12.50 12.50 #, .k 75134 744 98 s $ -6 36 or U 8465% Chat es Thet Con-Chad e , ~ , ~..: `:.; :"_ , : .Good F51th Estimate HU0.f Initial deposit to yeur escrow account !. p,;1001 1,60500 345.43 Dail~iptere51 bh61ges hoig' # 901. $10.24611/de 153.69 10.25 Homeowners Insurance .., ,,, ,,, & 903 , 420.00 250.00 Tllleservices'and fende(s tltle,lnsurancec.;, 81101 1,416.OU 7,27200 Owneils title insurance ;Tale ResoUmes Gdaran(y Company _ ga103 15.00 15.OU k Loan Terms YourJnl~lel loop anioutlt ls'- $101,753.00 Yourloan term Is 30. years Your ieitial interest ralele. 3.625046 Your Initial monthly amouht owed for prlndlp2l Interest and any mortgage: $464.05 includes insurance is ^X Principal ~.; ^X Interest < ^ Mortgage Insurance Can yeur'inleresl rate nse7~ ^X No. ^ Yes, Il can rise to a maximum of %. The Ilral change will be on I / and can change again every years aher I / .Every change dale, your inleresl rate can increase or tlecrease by %. Over the life of the loan, your interest rate is guaranteed to never be lower Ihan % or higher Ihan %. Even if you make payments w lima can youf.loan balance nsB'7 ~ ^X No. ^ Yes, it can rise to a maximum of $ Even if you makzpeyrrieyr~{AOnlflmer een yousinonlhly,em6untrowed fort. ^X No. ^ Yes, the first Increase can be on 1 / and the monthly kn pnncipolPlnlarest and moligag~InsU(ende'}ise? amount owetl can rise to $ ~~ aye ~ The maximum it can ever rise to is$ Does your loan have a prepayment penalty7: ~ Q No. ^ Ves, your maximum prepayment penally is $ Dces your loan have a'fyalldoo paymehtT, '' ,, ^X No. ^ Yes, you have a balloon payment of $ due In ~ years on I I Tb1Al mdhthly amount owed mcluding escrow account paymenle ^ You do not have a monthly escrow payment for items, such as properly taxes end homeowner's insurance. You must pay these Items directly yourself. ^X You have an addillonal monthly escrow payment of $715.13 " that results in a total initial monthly amount owed of $579.70. This inclutles principal, inleresl. any - mortgage insurance and any items checked below. - X^ Properly taxes ^X Homeowner's insurance ^ Fleoo insurance ^X Schonl lazes ' ^ ^ Note: It you have any questions about fhe Selllement Charges and Loan Tenns listed on This form, please contact your lender. See attached addendum for additional information Previous editions are obsolete Page 3 of 9 HUO-1 I Itemization of Line 1101 Name of Borrower- Jelfrey M. Anderson Name of Seller Wllllam B. Novosal, Exaculor of the Eslale of Carol Novosal Flle Number 72-1016GC Prepared 08131/2012 al 3'.16 pm Note: This page displays an itemization of the charges shown online 1101 of the HUD-i Settlement Statement. This page accompanies but is not a part of the HUD-1 Settlement Statement. If a discrepancy exists, the information on the HUD-1 Settlement Sta[einent applies. 7700. Ti0e Charges Total Charge Borrower Seller 1101. Tllle sarvlces and lender's Mlle Insurance to Wire In to Guardian Transler Corporation $ 12.00 12.00 Notary Fee- Purchasers to Guardian Transfer Cor oration 8 25.00 25,00 Courier Pee-Purchase to Guardian Transfer Co oration $ 15.00 15.00 Electronic Document Fee to Guardian Transler Car oralicn $ 35.00 35.00 Tax cetl Reimbursement to Guardian Transler Car oration $ 10.00 10.00 1102. Selllemenl or closing lee to $ 0.00 1104.Lender's title insurance-Title Resources Gto Tllle Resources Guarani Com IE 1,1BSD0 1,185.00 Totals; E 1,281,00 0.00 1,272.00 10.00 SellerlLender credits shown on ps0e1 _ _. POC=Paid Outside Closing CR=.Lender Credit See attached addendum for additional information Previous editions are obsolete Page 1 of 1 HUD-1 HUD CERTIFICATION OF BUYER AND SELLER I have careNlly reviewetl the HU61 Settlement Statement antl to the best of my knowledge and belief, it is a true and accurate slalement of all receipts antl disbursements metle on my account or by me in This transaction. I tudhei certify that I have receiuetl a copy of the HUD-1 Settlement slalement. (fir"".1~nv.~~Y ~ mi'l'%~ ~zl~,n, .. ; Je ~~M. Ande ~~ WlLLI i OV 5 T, EXECUTOR OF T _ TATE F CA ~ NOVO: 1 The HUD-1 Settlement slalement which I have prepared is a true and accurate account of this transaction. I have caused or will cause the funds to be disbursed in accordance with this slalement. ~-~ ~_ ,i _ ~~ ~~ 1 / ~~ 1 z SETTL~FE^!T DATE WARNING IT IS A CRIME TO KNOWINGLY MAKE FALSE STATEMENTS TO THE UNITED 5"rATES ON THIS OR ANV SIMILAR FORM. PENALTIES UPON CONVICTION CAN INCLUDE A FINE AND IMPRISONMENT. FOR DETAILS SEE TITLE 18'. U.'~i. CODE SECTION 1001 AND SECTION 1010. See attached addendum for additional information Previous editions are obsolete Page 9 0(4 HUD-1 Itemization of Line 1101 Name of Borrower Jeflrey M AntlersOn Name of Seller File Number Wlllam B. NOVe6dl, Execubr of the Eslale of Ger01 12-0O16GC NOVOSaI Prepared 08/3112012 al 3:16 pm Note: This page displays an Itemization of the charges shown on line 1101 of this. HUD-1 Settlement Statement. This page accompanies but is no[ a part of the HUD-1 Settlement Statement. If a discrepar:cy exists, the information on the HUD-1 Settlement Statement applies. 1100. Tltle Charges ___ Total Charge Borrower Seller 71p1, Title services and lender's line insurance f0 Wise In l0 Guardian Transler GO(p0la110n $ 1?.00 12.00 Notary Fee- Purchasers to Guardian Transler Cor oration $ Y,i 00 25.00 Courier Fee~Purchase to Guardian Transler COr oration $ 7'.1.00 1500 Electronic Dxumenl Fee to Guardian Transfer Cor oration $ 3!i.00 35.00 Tax cen Reimbursement to Guardian Transler Cor oration $ 1(100 10.00 1102- Setllemenl or closing fee l0 g ILDO 1104. Lender's Mlle Insurance ~ Title Resources Gto Title Resources Guarani Cam :$ 1,185.00 1,185.00 Totals: E 1,26:!.00 0.00 1,272.00 10.00 SellerlLender credits shown on a e 1 POC = Paltl Outaitle Closin Cft =Lentler Credit See attached addendum for additional information are Estate Valuation Date of Death: G1/05/2012 Estate of: Estate of Caro. Novosa[ Valuation Date: 01/05/2012 Report Type: Date Cf Death Proce ssina Date: 03/10/2012 Number of Securiiie s-. 2 F1 1e ID: Novosa t, Carol Estate Shares $ECUilCy Mean dntl/OI Di\' and In[ Security or Par Description High/Ash Low/Bid Adj ustmenis Accruals Value 11 66 COMCAST CORP NEW (20030N10I) CL A The NASDAQ Sto cl: Mai ket LLC 01/U5/2012 25.37000 24.85000 H/L 25. 1:000C 1, 60.26 Div: 0.1125 Er.: 12/30/2011 Rec: 01/09/2012 Pay: 01/25/2012 7.43 2) 7 AT6T INC 1002068102) COM New YCik. Si ocl: Ex.Change 01/U5/2012 29.65000 29.50000 H/L 25. 6'5000 Div: 0.490000 Ex; 01/06/2012 Rec : 01/10/2012 Pay : 02/01/2012 i 0. 990000 SU. 1'_5000 210.81 Total Value: Total Accrual: Total: 51, 475.50 57.43 $1,868.07 Page 1 This report was produced with Estate Val, a product of Estate Valuations 6 Pricing Systems, Inc. if you have questions, please contact EVP Systems at 1818) 313-6300 or www.evpsys.cort~. )Revision '.1.01 PSEC~k Saidis, Sullivan & Rogers Elyse Ii. Rogers, Attorney 635 N 12d' Street_ Suite 400 Lemoyne, PA 17043 Re: CAROL L NOVOSAT, Deceased. PSECU Reference # 5594379459050 Dear Attorney Rogers: 02/21/2012 The above referenced person has an account with PSECU which was opened on April 12, 1994. The Share accounts were individually held by CAROL L NOVOSAT. The VISA loan was individually held by CAROL L NOVOSAT. The following are the Date of Death Balances for CAROL L NOVOSAT's account with PSECU: Account Shares: (S 1) -Savings (S2) -Vacation (S4) -Checking (S7) -Money Market Date of Death Balances $174.52 $ 0.03 $683.24 $ 188.52 Interest -January 1-9 $ 0..11 $ 0..00 $ 0,02 $ 0..00 Loans: (L9) -VISA $479.97 The VISA has been paid in full and the account has been closed. If you have any questions, please contact me at (717) 234-8484 or toll-free at (800) 237- 7328, press 6, extension 3120. Sincerely, i , Sandy Fa ley ~9 l Member Service Representative PSECU Pennsylvania State Employees Credit Union P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.234.8484 • 800.237.731:8 • » psecu.com THIS CREDIT UNION IS FEDERALLY INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION. EQUAL OPPORTUNITY LENDER. February 15,2012 SA1DlS, SULLIVAN & ROGERS 635 NORTH 121H STREET SU[TE 400 LEMOYNE PA 17043 RE: Carol L. Novosat Estate DOD: Ol /09/20] 2 SS#: XXX-XX-5482 Tracking # 260943 To Whom It May Concern: Susquehanna Susquehanna Bancshares, Inc. 26 North Cedar Street P.O. Box 1000 Lititz, PA 17543-7000 Tel 1.800.311.3182 Fax 717.625 4478 In response to your letter of February 15, 2012, here is the above customer account information as of January 9, 2012. Account # 1 Account #2 Account #3 • Account Title: Carol L Novosat • Account Type/# Savings 203300000734 • Date Opened /Maturity 9/] 4/06 • Interest Raise: 10% • Account Balance*: $7 85.19 • Accrued Interest: $.Ol • YTD Interest: $0.00 *Account balance does not include accrued interest. ® There is no safe deposit box in the name of the decedent. ^ There is a safe deposit box # 0 in the name of the decedent located at the branch name. Personal Property of C .a-}LG ~ ~ , i~c ~'~;? S a7~ .:'_ ? ~ h r~ I %'-1~' D ~, ~ /~ Z ~.%~ f~HFr~~~: Annraised by Chuck E. Bricker AU054-L Date ~ - ~ G' -/,~ ITEM VALUE ITEM VALUE !! S t. 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Box 5170 Simi Val/ey, CA 93062-5170 Saidis, Sullivan & Rogers 635 North 12`h Street Suite 400 Lemoyne, PA 17043 INFORMATION ABOUT THE LOAN C3 378 CSSTFI 13025/14524 03/10/201'1 Notice 'Date: July 24, 2012 Account No.: 871667168 Properly Address: 220 Brian Dr Enola, f'A 17025 We recently received an authorization from William Novosat granting you, Saidis, Sullivan & Rogers access to the above referenced loan information. WHAT THIS MEANS Our Customer Service Representatives will now be able to discuss the loan with Saidis, Sullivan & Rogers, unless otherwise notified. Please note that only the party named in the Note is authorized to make any changes to the loan. The principal balance of this loan was $59,847.17 as of January 6, 2012. A Loan History Transaction Statement has been mailed in a separate cover. Please allow 7 to 10 business days for receipt. K YOU FOR YOUR BUSINESS If you have any questions, please contact our Customer Service Department at 1-800-669-6607. We appreciate the opportunity to serve your home loan needs. This communication is from Bank of America, N.A., the servicer of your .home loan. Please write your account number on all correspondence. PSEf~ Saidis, Sullivan & Rogers Elyse E. Rogers, Attorney 635 N 12"' Street. Suite 400 Lemoyne, PA 17043 Re: CAROL L NOVOSAT, Deceased. PSECU Reference # 5594379459050 Dear Attorney Rogers: 02,21,2012 The above referenced person has an account with PSECU which was opened on April 12, 1994. The Share accounts were individually held by CAROL L NOVOSAT. 1'he VISA loan was individually held by CAROL L NOVOSAT. The following are the Date of Death Balances for CAROL L NOVOSAT's account with PSECU: Account Shares: (S1) -Savings (S2) -- Vacation (S4) -Checking (S7) -Money Market Date of Death Balances $174.52 $ 0.03 $683.24 $188.52 Interest-January 1-9 $ 0.11 $ O.GO $ 0.02 $ 0.00 Loans: (L9) --VISA $479.97 The VISA has been paid in full and the account has been closed. If you have any questions, please contact me at (717) 234-8484 or toll-free at (800) 237- 7328, press 6, extension 3120. Sincerely, ' i Sandy Fabley ~ (~ Member Service Representative PSECU Pennsylvania State Employees Credit Union P.O. Box 67013, Harrisburg, PA 17106-7013 • 717.234.8484 • 800.237.732EI • » psecu.com TNIS CREDIT UNIDN IS FEDERALLY INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION. EQUAL OPPORTUNITY LENDER. o, ,~ g ~ O ~ N r O a ~ Na ~ d a ~ ~ N y N • ^h r p ~ 10 ~ _ ~ Q O U r/, ~~ i. a~i U ~g ~~ ~~yy cf Q p ~ O J g W N r. Q °~' d ~ ~ ~ M N 4~ r O cJi 'y ~ ~ p v. m N r' ^o O ~ ~~ ~ ~ ~ ~; ~ ~ 0 ~ _~ T M11 r r c-