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Home My WebLink About11-15-12 (2) 1505610105 REV-1500EX (oz- ~ ss)(FI) PA Department of Revenue fd7 Y7 OFFICIAL USE ONLY Pennsylvania Bureau of Individual Taxes County Code Year File Number INHERITANCE TAX RETURN PO BOX 28o6ot Harrisburg, pA t72a8-0601 i RESIDENT DECEDENT 7,~~ ~ (] ~Q~ j ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYri Date of Birth MMDDYYYY 174-20-4442 01 /16/2009 12/05/ 1927 Decedent's Last Name Suffix Decedent's First Nalne MI KNISEEY RICHARD R (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL INAPPROPRIATE OVALS BELOW Op 1. Oriyinal Return 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 :i. Federal Estate Tax Return Required death after 12-12-82) ~ 6. Decedent Died Testate O 7. Decedent Maintained a Living Trust 73. 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 1'I. Election to Tax under Sec. 9113(A) Between 12-31-91 and 1-1-95) (Attach Schedule 0) CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE ANO CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED T0: Name Daytime Telephone Number JOSEPH D. BUCKLEY, ESOUIR- (717) 249-2448 r• First Line of Address LAW OFFICES OF JOSEPH D Second Line of Address 1237 HOLLY PIKE City or Post Office CARLISLE State ZIP Code PA 17013 REGISTER O ILLS USE ONhY ..~/1 - ?) ~, ~ - - c,t c ,-. ~J i -' DAT~#ILED C .'1 T),1 r1' 1 ~_ -z; I ~; r ~n~ '~~ c ~ z`'> r r, i~ -Tl L~ Correspondent's a-mail address: Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge and belief it is true, corcect and complete. Declaration of preparer other than the personal representative is basetl on all information of which preparer has any knowledge. SIG RE OF PE SON RESPONSIBLE F9R~NG R RN / DATE AA ~Aw a / w~ // / ~ ~Oi ~. D I n.//_.~ Imo, .. A... / 1 I/ L ~ t -r NAT O7 AN E A71VE DATE ADD PLEASE USE ORIGINAL FORM ONLY Side 1 1505618105 1505610105 REV-1500 EX (FI) 1505610205 Decedent's Name: RECAPITULATION 1. Real Estate (Schedule A) ............................................. 1 2. Stocks antl 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. 6. Jointly Owned Property (Schedule F) O Separete Billing Requested ..... .. 6. 7. Inter-Vivos Transfers $ Miscellaneous Non-Probate Property (Schedule G) O Separate Billing Requested...... .. 7. 8. Total Gross Assets (total Lines 1 through 7) ........................... .. 8. 9. Funeral Expenses and Administrative Costs (Schedule H) ................. .. 9. 10. Debts of Decedent, Mortgage Liabilities and Liens (Schedule I) ............. .. 10. 11. Total Deductions (total Lines 9 and 10) ............................... .. 11. 12. Net Value of Estate (Line 8 minus Line 11) ............................ .. 12. 13. Charitable and Governmental Bequests/Sec 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. Amount of Line 14 taxable at the spousal tax fate, or transfers under Sec. 9116 (a)(1.2) X .0_ 0.00 15. 16. Amount of Line 14 taxable at lineal rate x .0 45 188,192.00 1g, 17. Amount of Line 14 taxable at sibling rate X .12 0.00 17, 18. Amount of Line 14 taxable at collateral rate X .15 0.00 18 19. TAX DUE ......................................................... 19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT Decedent's Social Security Number 174-20-4442 310, 900.00 0.00 0.00 0.00 6,607.15 4,832.77 0.00 322,339.92 127.766.00 6, 382.45 134,148.00 188,192.00 0.00 188,192.00 0.00 8,468.64 0.00 0.00 8,468.64 Side 2 L 1505610205 1505610205 REV-1500 EX (Fl) Page 3 File Numbe~.r Decedent's Complete Address: RICHARD R. KNISLEY STREET ADDRESS _._ _. _. _. _- _... _. _ _._ _. _.. 330 FULTON ROAD CITY _.. _._ _.. _. _. .... _..._. .. iSTATE __. (..ZIP _.. ENOLA ~ PA 17025 Tax Payments and Credits: 1. Tax Due (Page'2, line 19) 2. CreditslPaymenls A. Prior Payments __ 8,_000 00 8, Discount 400.00 3, Interest 4, If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. 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. Total Credits (A + 13) (2) (3) (4) (5) (1) 8, 469.00 400.00 69.00 '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 right to designate who shall use the property transferred or its income ...................................... ...... ^ c. retain a reversionary interest ........................................................................................................................ ...... ^ d. receive the pro(nise for life of either payments, benefts 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 pan "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 benefciary designation? .................................................................................................................. ...... ^ IF THE ANSWER TO ANY OF THE (ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994, and before Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent [72 P.S. §9116 (a) (1.1) (i)]. For dates of death on or after 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 fling a tax return are still applicable even if the surviving spouse is the only benefciary. For dates of death on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent, an adoptive parent or a stepparent of the child is 0 percent [72 P.S. §9116(a)(1.2)]. 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 on the net value of transfers to or for the use of the decedent's siblings is 12 percent (72 P.S. §9116(a)(1.3)]. Asibling is defined, under Section 91(12, as an individual who has at (east one parent in common with the decedent, whether by blood or adoption. REV-i502 Ex. (11-OFS) Pennsylvania SCHEDULE A DEPARTMENT OF REVENUE fNHEaITANCE TAx aETURN REAL ESTATE RESIDENT DECEDENT ESTATE OF FILE NUMBER /~i K,dalf a/-u9- Oio,3 All real property owned solely or as a t ant in common must be reported at fair market value. Fair market value is defined as the price at which property would be e:cchanged 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 ~on Schedule F. Attach a copy of the settlement sheet if the property has been sold, ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common, VALUE AT DATE NUMBER OF DEATH DESCRIPTION 1 330 Fulton'Street, Enola, PA 17025 (residence) 104,000.00 2. 100-102 Center Street, Enola, PA 17025 (double house) 100 Center Street 101, 900.00 102 Center Street 105,000.00 All properties were in poor condition and need extensive work as detailed in Administrative Expense Schedule. All properties sold after repairs and restoration and HUD-1 Fonns attached TOTAL (Also enter on Line 1, Recapitulation.) I $ 310,900.00 If more space is needed, insert additional sheets of the same size. HEVa5o8 EX+ (o8az) i pennsylvania S oEnARrr~ENTOEaEVENUE CASH, B INHERITANCE TAX RETURN PER RESIUEN'r DECEDENT CHEDULE E ANK DEPOSITS & MISC. SONALPROPERTY ESTATE OF: FILE NUMBER: Richard R. Knis~ 21-09-0103 Include the proceeds of litigation and the date the proceeds were received by the estate. Ali property jointly owned with right of survivorship must be disclosed on Schedule F. u more space is needetl, use additional sheets of paper of the same size. REV-iWg E%+ (oi-lo) i~ Pennsylvania CEPARTMENT DP REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE F JOINTLY-OWNED PROPERTY ESTATE OF. FILE NUMBER: Richard R. Knislf{y 21-09-0103 If an asset became jointly owned within one year of the decedent's date of death, it must be reported on Schedule G. SURVIVIN6170INT TENANT(S) NAME(S) ADDRESS RELATIONSHIP TO DECEDENT A~Jelinda Bender B. C. IOINTLY OWNED PROPERTY: RR 1, Box 16 E. Metz Road, Thompsontown, P/117094 ~ Daughter ITEM NUMBER LETTER FOR ]DINT TENANT DATE MADE ]DINT DESCRIPTION OF PROPERTY INCLUDE NAME OF FINANCIAL INSTIMION AND BANK ACCOUNT NUMBER OR SIMILAR IDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY HELD REAL ESTATE. DPl'E OF DEATH VALUE OF ASSET % Of DECEDEM'B INTEREST DATE of DEATH VALVE OF DECEDENT5 INTEREST I. A. 01115/05 Wachovia Bank NA Acct. No. 464 9,666.00 50 4,832.77 TOTAL (Also enter on Line 6, Recapitulation) I $ 4,832.77 If more space is needed, use additional sheetr of paper of the same si::e. pennsylvania SCHEDULE H °sa"Arne"T Or nsvs"us FUNERAL EXPENSES AND iruH_RirnNCE rnx REruan ADMINISTRATIVE CO5TS RESIDENT DECEDENT ESTATE OF FILE NUMBER Richard R. KnisB/y 21-09-0103 Decedent's debts must be reported on Schedule I. ITEM _ NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: ~~ I. Conklin's Funeral Home 3,870.62 2 Head Stone Engraving 500.00 3 Funeral Luncheon 432.14 B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: 10,000.00 Name(s) or Personal Representaeive(s) Jeneen K. Miller and Jelinda R. Bender__ _ Street Address RR1 Box 16 E. Metz Road _. __.__ __ ___ _ . . City Thorrtpsontown _ state PA ztP 17094 Year(s) Commission Paid: 2011 Z, Attorney Fees. 23,500.00 3• Family Exemption, (If decedent's address is not the same as claimant's, attach explanation.) Claimant Street Address __ _.... __ _.. _.. _.. _.. _.. City _._ __. ._.. __. __ State __. ZIP Relationship of Claimant to Decedent 4. Probate Fees: 855.02 5. Accountant Fees: 6. Tax Return Preparer Fees: ~ Repairs, subdivision and expenses for real estate (see attached list) 49,589.52 e. Travle and misc. expenses Executrices 600.00 9. Casts for sale of realestate (see attached lists) 38,418.20 __ - TOTAL (Also enter on Line 9, Recapitulation) $ 127,766.00 If more space is needed, use additional sheets of paper of the same size. ESTATE OF RICHARD R. KNISEUf FILE N0. 21-09-0103 COSTS ASSOCIATED WITH SALE OF REAL ESTATE 330 Fulton Street, Enola (personal residence 1. Real Estate Commissions ReMax 7,124.00 2. PA Realty Transfer tax 1,040.00 3. 3. Seller Assistance (see HUD -1) 5,261.52 Total 13,425.52 la, PA (rental after subdivisi 1. Real Estate Commissions ReMax 7,148.00 2. PA Realty Transfer tax 1,019.00 3. Seller As$istance (see HUD -1) 6,114.00 4. Tax Certification 5.00 5. Recordingfees 108.00 6. Tax & Sevl/er Proration 973.55 Tota I 13,420.45 1. Real Esta~e Commissions ReMax 4,355.00 2. PA Realtyl,Transfertai 1,050.00 3. Seller Assistance (see HUD -1) 6,147.23 4. Notary fees 20.00 Total 11,572.23 TOTAL COST ASSOCIATED WITH SALE OF REAL ESTATE 38,418.20 Estate of Richard R. Knisely File No. 21-09-0103 Expenses for 100-102 Center Street Subdivision and Repairs Nationwide Insurance 969.00 Electric - PPI;, 285.24 Pennsylvania'iAmerican Water 344.64 All American'',Termite 1,123.60 Debbie Lupoltl (Tax Collector) 3,264.39 B & L Engineering 5,947.96 Blue Ridge Painting 4,250.00 Robin Hogan (Cleaning) 400.00 D&M Wagnet Enterprises 1,044.34 Fast Pennsbono Twp. (Trash & Sewer) 1,173.00 Sandra Fiegle~l (Trash Removal) 425.00 Cireg Shields Yardwork) 300.00 Andre Branof, (Electrical Repair) 300.00 F. J. Flooring' 1,750.00 Carpet Mart ', 1,712.47 Cropf Brotherly (Sewer Line Repair) 828.80 Kennedy Entelrprises Co. (New Sewer) 11,035.40 Keystone Oil 1,327.09 E'.ast Pennsboi{o Twp. (Zoning Hearing) 300.00 East Pennsbotjo Twp. (Subdivision Fee) 850.00 Cumberland Clo. Planning Comm. (Fee) 120.00 East Pennsboro Twp. (Sewer Permit) 1,150.00 Jelinda Bende~ (Refrigerator) 449.39 ReMax Furna e Repair 360.70 ~ Kohler Remo eling (Roof Repair) 9,800.00 Orkin (Bat Issue) 78.50 TOTAL $49,589.52 REV-1512 EX+ (t2~08) ~ Pennsylvania SCHEDULE I De"naTmENroEaEVE"uE DEBTS OF DECEDENT, ~NHEn~TnNCE Tnx nErunN MORTGAGE LIABILITIES & LIENS FESIDENT DECEDENT ESTATE OF FILE NUMBER Richard R. Knisl~y 21-09-0103 Report debts incurred by the decedent prior to death that remained unpaid at the date of death, Including unreimbursed medical expenses. ITEM VALUE AT DATF 1 HSBC Card Services 2. Verizon 3. PPL 4. ATT 5. American Water 6. Holy Spirit Hospital 7. The Verterans Adr)tinistration 8. West Shore Oil 9. Kennedy Plumbing 10. JJ Getz Mechanical 11. Hospice of Central, PA 12. Jolinda Bender (R~imburse for paint removal) 13. Oebbie Dupold Tat Collector TOTAL (Also enter on Line 10, Recapitulation) ¢ If more space is needed, insert additional sheets of the same size. 54.98 1.92 92.14 3.19 68.66 50.00 48.00 255.00 200.00 169.95 5,150.00 45.18 243.43 6,382.45 ER: 03 OR SHARE STATE 331 /3 331 /3 331/3 REV-1513 E%+ (O1-10) ~:'~ : Pennsylvania SCHEDULE J DEPBRTMENi OF PE VENUE INNERITHNCE TH% RETURN BENEFICIARIES RESIDENT DECEDENT ESTATE OF: FILE NUMB Richard R. Knisl~y 21-09-01 RELATIONSHIP TO DECEDENT AMOUNT NUMBER NAME AND ADDRESS Of PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF E I TAXABLE DISTRIBUTIONS [Include outright spousal distributions and transfers under Sec. 9116 (a) (1.2).] 1. Melinda R. Bender, RR 1, Box 16E Metr Road, Thompsontown, PA 17094 daughter 2. Jeneen K. Miller 916 Susan Circle, Enola, Pa 17025 daughter 3. Richard R. Knisley~, II, 3015 Stanford Drive, Billings, MT 59102 son ENTER DOLLAR AMOU TS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET, AS APPROPRIATE. II NON-TAXABLE DISTRI UTIONS A. SPOUSAL DISTRI UTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. TOTAL OF DART )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. 0.00 A. B. TYPE OF LOAN: , U.S. DEPARTMENT GF HOUSING 8 URBAN DEVELOPMENT 1.QFHA 2.~FmHA 3. ~CONV. UNINS. 4. ~VA 5. ~CONV. INS. SETTL.EMENTSTATEMENT 6. FILE NUMBER: TROUrzo1-solos 7. LOAN NUMBER: 1964349771 8. MORTGAGE INS CASE NUMBER: C. NOTE: This form is lumished to give you a statement of actual settlement costs. Amounts paid to and by Cher setNement agent are shown. Items marlred 7POC]" were paid outside the closing; they are shown here Ior informational purposes and are not included in the totals. 10 3188 (TROUT P07~90P09.PFOnR0UT 201-9029/37) D. NAME AND ADDRESS OF BORROWER: Edc Trout and Shannon Trout 330 Fulton Street Enola, PA 17025 E. NAME AND ADDRESS OF SELLER: Estate of Richard R. Knisely F. PJAME AND ADDRESS OF LENDER: Storiewater Mortgage 603 N. Wilmot Tuscon, AZ 85711 G. PROPERTY LOCATION: 330 Fulton Street Enola, PA 17025 H. SETTLEMENT AGENT: 25-1590084 Riverrront Settlement Services, Inc. I. SETTLEMENT DATE: March 25, 2009 Cumberland County, Pennsylvania PLACE OF SETTLEMENT 305 Nodh Front Street, 6th Floor Harrisburg, PA 17101 J. SUMMARY OF BORRO ER'S TRAN SACTION K. SUMMARY OF SELLER'S TRANSACTION 100. GRO83 AMOUNT DUE FROM BO ROWER: 400. GROSS AMOUNT DUE TO SELLER: 101. Contrail Sales Price ' 104,000.00 401. Contrail Sales Price 104,000.00 102. Personal Pro a 402. Personal Pro ert 103. Settlement Char es to Borrower Li a 1400 1,913.11 403. 104. 404. 105. 405. Ad~uslmenfs For Items Paid B S Iler in advance Ad'ustments For Item;r Paid 8 Seller in advance 106. Ci Tax ~ to 406. Cit Tax to 107. Coun Taxes ~~to 407. Coun Taxes to 108. School Tax 03/25/09 '. to 07/01109 235.01 408. School Tax 03/25109 to 07/01/09 235.01 109. Sewer/Trash 03/25109 to 04/01/09 8.94 409. Sewedfrash 03/25/09 to 04/01109 8.94 110. 410. 111. 411. 112. ' 412. 120. GROSS AMOUNT DUE FROM BO ROWER 106,157.06 420. GROSS AMOUNT DUE TO SELLER 104,243.95 200. AMOUNTS PAID BY OR IN BEHA F OF BORROWER: 500. REDUCTIONS IN AMOUNT DUE TO SELLER: 201. De osit or earnest mono 1,000.00 501. Excass De osit See Instructions 202. Princi al Amount of New Loans 102,116.00 502. Settlement Char es to Seller Line 1400 13,668.95 203. Existin loans taken sub'ect to 503. Existin loans taken sub'ect to 204. 504. Payoff of first Mortgage 205. 505. Pa off of second Mort a e zos. sos. 207. 507. De osit disb. as roceeds 208. 508. 209. 509. Ad'ustmenfs For Items Un ai 8 Seller Ad'ustments For hams Un aid B Seller 210. Ci Tax '. to 510. Cif Tax to 211. Coun Taxes 01101/09 ' l0 03/25/09 66.52 511. Coun Taxes 01101/09 to 03/25/09 66.52 212. School Tax to 512. School Tax to 213. 513. 214. 514. 215. 515. 216. 516. 21 Z 517. 218. 518. 219. 519. 220. TOTAL PAID BY/FOR BORROWERR 103,182.52 520. TOTAL REDUCTION AMOUNT DUE SELLER 13,735.47 900. CASH AT SETTLEMENT FROMlT BORROWER: 800. CASH AT SETTLEMENT' TO/FROM SELLER: 301. Gross Amount Due From Borrower Line 120 106,157.06 601. Gross Amount Due To Seller Line 420 104,243.95 302. Less Amount Paid B /For Borrower (Line 220) ( 103,182.52) 602. Less Reductions Due Seller (Line 520) ( 13,735.4 303. CASH (X FROM) ( TO) BORROWER 2,974.54 603. CASH (X TO) ( FROM) SELLER 90,508.48 The undersigned hereby acknowledge rt:ceipt of a completed copy of pages 182 of this statement 8 any attachments referred to herein. r'y i Borrower ~ (~ i~_ Seller c' j Estate of 'chard R. Kni Iy 1 Edc Trout h ~--~ j ,{/,i// n iwl <J ~~' L. SETTLEMENT CHARGES 700. TOTAL COMMISSION Basal on PNce $ % 6,979.00 PAID FROM PAID FROM Division Of CDmmission (Ilse 7OO) a5 FOIIOWS: BORROWER'S SELLER'S 701.$2.966.00 fo ReMax Realty Associates FUNDS AT FUNDS AT 702. $ 4,013.00 t0 ReMax Realty Select SETTLEMENT SETTLEMENT 703. Commission Paid at Settlement 704. Transaction Fee to ReMax Realty Select 6,979.00 145.00 800. ITEMS PAYABLE IN CONNECTIOW WITH LOAN 801. Loan Ort ination Fee /° to 802. Loan Dismount % to 803. Processing Fee to Integdy Bank 350.00 804. Tax Service Fee to Stonewater Mortgage Corporation 75.00 805. Administration Fee; to Stonewater Mortgage Corporation 550.00 806. Flood Certification to Stonewater Mortgage Corporation 15.00 807. Appraisal Fee to Capital Property Appraisers 350.00 808. Broker Fee paid by lender Integrity Bank POf: $1,611.39 809. Credit Report to Integrity Bank 30.74 810. 811. 900. ITEMS REQUIRED BY LENDER T BE PAID IN ADVANCE _ 901. Interest From 03/25/09 to 04/ 1/09 (a3 $ 15.387000/day ( 7 days %) 107.71 902. Mort a e Insurance Premium for ~ months to Miller 8 Miller Insurance Services 1,756.30 903. Hazard Insurance Premium for 1.0 ears to 904. 905. 1000. RESERVES DEPOSITED WITH L NDER 1001. Hazard Insurance 3.000 months $ 27.67 er month 83.01 1002. Mort a e Insurance ~ months $ er month 1003. Cit Tax ~ months @ $ per month 1004. Count Taxes ' 2.000 months L $ 22.99 per month 45.98 1005. School Tax ~' 10.000 months lid $ 72.94 per month 729.40 1006. months $ er month 1002 months $ er month 1008. AGGREGATE ADJUSTMENT months $ er month -184.31 1100. TRLE CHARGES 1101. WIRE FEE ' to Riverfront Settlement Services Inc. 10.00 1102. ELECTRONIC FEE to Riverfront Settlement Services, Inc. 35.00 1103. OVERNIGHT PKG/PAY ' to Riverfront Settlement Services, Inc. 16.00 1104. Transaction Fee to ReMax Realt Associates 295.00 1105. Document Pre oration ' to Rivertront Settlement Services, Inc. 1106. Note Fees ~ to Kimberry Hain 30.00 1107. Tax Cerl ' to Debbie Lupold 10.00 includes above item numbers: 1108. Title Insurance to Rivertront Settlement Services Inc. 878.75 includes above item numbers: 1109. Lender's Coverage ' $ 102,116.00 1110. Owner's Coverage ' $ 104,000.00 878.75 1111. Endorsements ~ to Riverfront Settlement Services, Inc. 150.00 1112. Insured Closing Letter ' to Riverfront Settlement Services, Inc. 35.00 1113. Tax Cerl ~ to ReMax Realty Select 5.00 1114. Home Warranty i to First American 435.00 1115. Electrical ~ to JJ Getz Mechanicals ~ 169.95 1116. 1117. 1118. 1200. GOVERNMENT RECORDING AN TRANSFER CHARGES 1201. Rewrding Fees: Deed $ 8.50; Mortgage $ 58.50; Releases $ 107.00 1202. Ci /Coun Tax/Stam s: S 1,040.00 Mort a e 1,040.00 1203. Stale Tax/Slam s: Revenue lams 1,040.00; Mort a e 1,040.00 1204. 1205. 1300. ADDITIONAL SETTLEMENT CHA GES 1301. Surve ~ to 1302. Pest Ins ection ~ to 1303. 2009 Coun Taxes to Debbie Lu old 49.10 243.43 1304. 1305. 1400. TOTAL SETTLEMENT CHARGES Enter on Llnes 103, SecSon J and 502 on K 1,913.11 13,668.95 ey si9nmg page i m mis sa,emem, m° signa,onaa ecKgnxieage racoipr m e wmpietag copy of page Z of iMS page ;ebmenl. '. ont Se ement Service, Inc. Certified to be a true copy. Clement Agent ';~ A. Settlement Statement (HUD-1) OMB Approval No. 2502-0265 \_ FINAL .-. 1. ^X FHA 2. ^ FIHS 3. ^Conv. Unins. 6. File Number: 7. Loan Number: 8. Mortgage Insurance Case Number: SL10061 1024117 446-0181554-703 4. ^ VA 5. ^Conv. Ins. C. Note:This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agents are shown. Items marked "(p.o.c)" were paid outside the closing; they are shown here for informational purposes and are not included in the totals. D. Name & Address of Borrower: Maude E. Cupp 102 Center Street, Enola, PA 17025 E. Name & Address of Seller: Eslale of Richard R. Knisely by Jelinda R. Bender and Jeneen K. Miller, Co-Executrix F. Name & Address of Lender: Susquehanna Bank 4185 W. Market SL, York, PA 17408 G. Property Location: 102 Center Street Enola, PA 17025 H. Settlement Agent: Select Land Transfers, LLC Phone: 717-612-9366 Fax: 717-730-9665 I. Settlement Date: 06/15/2010 Disbursement Date: 06/15/2010 East Pennsboro Township Place of Settlement: 801 E. Park Drive, Harrisburg, PA 17050 TitleExpress Printed 06/15/2010 at 11:37 am by JG . :. . 100. Gross Amount Due from Borro 400. Gross Amount Due to Seller 101. Contract sales price 105,000.00 401. Contract sales price 105,000.00 102. Personal ro ert~ ! 402. Personal ro ert 103. Settlement charges to borrower (tin 1400) 8,526.23 403. 104. 404. 105. 405. Ad'ustments for items aid b seller in dvance Ad'ustments for items aid b seller in advance 106. City/town taxes @c 406. Cityllown taxes to 107. County taxes to 407. County taxes to 108. Assessments tto 408. Assessments to 109. 409. 110. 410. 11 L 411. 112. 412. 120. Gross Amount Due from Borrowe 113,526.23 420. Gross Amount Due to Seller 105,000.00 200. Amounts Paid b or in Behalf of orrower 500. Reductions In Amount Due to Seller 201. Deposit or earnest money 100.00 501. Excess deposit (see instructions) 202. Principal amount of new loan(s) 103,604.00 502. Settlement charges to seller (line 1400) 16,742.90 203. Existin loo s taken sub'ecl to 503. Existin loo s taken sub'ect to 204. ' 504. Payoff of first mortgage loan 205. 505. Payoff of second mortgage loan 206. PHFA Assistance! 3,000.00 506. 207. Sellers Assistance 6,147.23 507. Sellers Assistance 6,147.23 208. 508. 209. 509. Ad'ustments for items un aid b seller ! Ad'ustments for items un aid b seller 210. City/town taxes o 510. Cityllown taxes to 211. County taxes l0 511. County taxes to 212. Assessments 0 512. Assessments to 213. 513. 214. 514. 215. ' 515. 216. 516. 21 Z 517. 218. 518, 219. 519. 220. Total Paid byltor Borrower ' 112,851.23 520. Total Reduction Amount Due Seller 22,890.13 300. Cash at Settlement fromlto Borro er 600. Cash at Settlement tolfrom Seller $4,200,00 ___ 700. Total ReallstateBrokerFees Paid From Paid From _ Dlvlsionofcornmission 6re7G1 sfollows: --- - -----L- -- - -- Borrower's Seller's 7L $4,200.C0 _ to RelMax Really Select _ Funds at Funds ::Y __ __ 7G:1. g0,0~ ~ _ to RelMax RealtySelest ~ ~ Settlement Settlerrn-,nC 7%3. Gommisslon pa.c atat settlernenl 4,:- ;O.CO 7G'-. Broker Fee ~ to RelMax Realty Select 155.00 I c5.LJ 800. Items Payable it Connection wN':- Loan ______ 8'J'. Our originaUOn charge (Includes -agination Point %or $O.OOj $325.00 (from GFE#1) 80~--: Your credit or charge (points) for h ~. specific interest rate chosen $_ (from GFE #2) 803 Your adjusted origination charges (from GFE A) 325.00 ~0-. Appraisal fee to ALS. Inc/Appraisal Logistic Solutions, Inc. (from GFE #3) 325.00 __ _._. 805. Credit repot to Kroll Factual Data Corp (from GFE #3) 24.84 SC6. Tax service to (from GFE #3) 8'~('. Flood certification to First American Flood Data Sewices (from GFE #3) 18.00 _ SGB. Appraisal Management Company ee to ALS, Inc. (from GFE #3) 110.00 809. Automated Underwriting Pee to Susquehanna Bank (from GFE #3) 21.20 ___ 810. Property Reinspsction FeFee to Appia lser to Susquehanna Bank (from GFE #3) 100.00 900. Items Required by Lender to be Paid in Advance _- 901. Daily interest charges from `om 06/1512010 to 07101/2010 @ $14.0504iday (from GFE #10) 224.81 902. Mortgage Ins. Premium ~r months to FHA (from GFE #3) 2,279.81 903. Homeowner's insurance ?r months to MMG Insurance (from GFE #11) 414.00 904. months to (from GFE #11 1000. Reserves De osited vdth Lender __~ 1001. Initial deposit for your escrow accc. nt (from GFE #9) 2,266.26 1002. Homeowner's insurance 3 months ,$ 34.50/month $103.50 ___ _ ,_ 1003. Mortgage Insurance months @ $ 46.13/month $0.00 __ _ 1004. City Property Tai months @ $ O.OOlmonth $0.00 _ 1005. County Property Tax 5 months $ 49.O61month $245.30 _ _ _ 1006. Assessments 13 months @ $ 167.90/month $2,182.70 __ 1007. Aggregate Adjustment $-265.24 _ 1100. Title Char es _ ~ 1101. Title services and lender's title insu once (from GFE #4) 954.06 --~ 1102, Settlement or closing fee to $ ____ 1103. Owner's title insurance (from GFE #5) 3.75 1104. Lender's title insurance $884.06 _ _ 1105. Lender's title policycy limit 5103,604 i 0 __ _ 1106. Owner's title polity limit $105,000.(1 J _ 1107. Agent's portion of the total title insu once premium $690.89 1108. Underwriter's portion of the total titL: insurance premium $196.92 1109. Notary Fee to Notary Public $25.00 1110. Courier Fee to Select Land Transfers agent for Fh $20.00 ___ 1 1111. Electronic Document Fee to Cornerstone Land Transfer Agent f $25.00 ~ ~ ` ~ 1112. Notary Fee to RelMax Realty Select $ _ JO': l~ _ 1200. Government Recordin and Transfer Charges _ 1201. Government recording charges (from GFE #7) 254.50 1202. Deed $62.00 Mortgage $78.00 Release $0.00 ____ 1203. Transfer taxes (from GFE #8) 1,050.00 1204. City/County laxlslamps Deed $1,050.00 Mortgage $0.00 1205. Stale Tax/stamp; Deed $1 050.00 Mortgage $0.00 1; fi0 ~: l i 206. Deed $0.00 Mortgage $62.00 Release $0.00 ~_ _ 1207. Assignment of Mortgage $ 52.50 _ _ 1300. Additional Settlement Char es __ 1301. Required services that you can shop for (from GFE #6) 1302. Survey (p $ __ _ 1303. to _ 1304. Sewer Installment to Kenned Enter rises Com an 10, a89.~10 1305. Inspection for Bals to Orkin 78.Ei) 1306. Painting to Blue Rid a Painlin i;'S0.(f) r r .. ~ • r - ~ ~ r 8,526.23 1G,l:?.9(?.9(] d HUD•1 Charges GFE Good Faith Estimate HUD-^. ) an Comparison of Good Faith Estimate ( HUD-1 Line Number Char es That Cannot Iecrease 325 00 325.00 # 801 . Our origination charge 00 0 0.00 Your cicdit or charge (points) for the specific interest rate chosen # 602 . 325 00 # 803 h 325.00 . arges Your adjusted origination c 050 00 1 1,050.00 Transfer taxes # 1203 . , Char es That in Total Cannot Increase More Than 10% # 1201 Good Faiith Estimate 290.00 HUD•1 254.5D Government recording charges 00 325 325.00 # 804 . Appraisal fee # 805 25.84 2484 Credit repod # 807 16.00 18.00 Flood certification 00 85 110 00 Appraisal Management Company Fee # 808 # 809 . 21 20 . 21.20 Automated Underovriling Fee 125 00 100.00 # 810 . Propert Reinspeclion Fee to Appraiser # 902 2 279 81 2 279 81 Mortgage Ins. Premium 3,169.85 3,133.35 r , .•u• $ -36.50 o r -1.1515% Goad Faith Estimate _ HUD-1 ~ 1,504.76 2,266.26 224.81 224.81 480.00 414.00 658.00 954.06 7.00 3.75 27.00 25,00 Loan Terms Your initial loan amount is $103,604.00 Your loan term is 30 years Your initial interest rate is 4.9500% Your initial monthly amount owed for princi~at, interest, and any mortgage $599.14 includes insurance is ^X Principal ^X Interest ^X Mongage Insurance 0 No. ^ Yes, it can rise to a maximum of %. The first change Can your interest rate rise? will be on 1 I and can change again every years after 1 I .Every change ' dale, your interest rate can increase or decrease by %. Over the life of the loan, your interest rate is guaranteed to never be lower than % or higher than %. Even if you make payments on time, can yjour loan balance rise? ^X No. ^ Yes, it can rise to a maximum of $ Even if you make payments on lime, can your monthly amount owed for ^X No. ^ Yes, the first increase can be on 1 I and the monthly principal, interest, and mortgage insuranc$ rise? amount owed can rise to $ The maximum it can ever rise to is $ Does your loan have a prepayment penalty? ^X No. ^ Yes, your maximum prepayment penalty is $ Does your loan have a balloon payment?' 0 No. ^ Yes, you have a balloon payment of $ due in years on 1 1 Total monthly amount owed including escrow account payments ^ You do not have a monthly escrow payment for items, such as propedy taxes and homeowner's insurance. You must pay these items directly yourself. ^X You have an additional monthly escrow payment of $297.59 that results in a total initial monthly amount awed of $850.60. This includes principal, interest, any mortgage insurance and any items checked below: Q Property taxes 0 Homeowner's insurance ^ Flood insurance ^X School taxes ^ ^ cu-1 ~~~ .iii HUD CERTIFICATION OF BUYER AND SELLER I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all receipts and disbursements made on my account or by!i me in this transaction. I further certify that I have received a copy of the HUD-t Settlement Statement. Maude'~E. Cupp ~ -~ ~, "L~ ice,; Estate of Ric Co-Executrix ,„ .~.~GCc~z~- by Jelinda R. B~nder and Jeneen K. Miller, have prepared is a true and accurate account of this transaction. I have caused or will cause the funds to be ~o -~s.~h DATE The HUD-1 Settlement Statement disbursed in accordance with this OMB Approval No. 25G2-0265 . 'iiiuiii~,~ A. Settlement Statement (HUD-1) 1. X FHA 2. RHS 3. Conv. Unins. 6. File Number: 7. Loan Number: 8. Mortgage Insurance Case Number: ^ ^ ^ 10073 0121219448 4. ^ VA 5. ^Conv. Ins. C. Note: This form is furnished to give ypu a statement of actual settlement vests. Amounts paid to and by the settlement agents are shown. Items marked "(p O.c)" were paid outside the', closing; they are shown here for informational purposes and are not Indudsd In the rotala D. Name & Address of Borrower: Rosalie L. Gagliano 39 Walnut Street, Carlisle, PA 17013 E. Name & Address of Seller: Estate of Richard R. Knisely 100 Cenfer Street, Enola, PA 17025 F. Name & Address of Lender: Wells Fargo Bank, N.A #708 P.C. Box 5708, Springfield, OH 45501-708 G. Property Location: ~ H. Settlement Ageni: I. Settlement Date: 04/23/2010 100 Center Slreel 1st Advantage Settlement Services Inc. Disbursement Date: 04/23/2010 Enola, PA 17025 Telephone: 717591-7755 Fax: 717-591-7756 East Pennsboro Township, Cumberland Co~pnty, East place of Settlement: TitleExpress Pennsboro Township 6375 Mercury Drive, Suite 102, Mechanicsburg, PA 17050 Printed 04/2 312 01 0 at 8:57 am by KS 100. Gross Amount Due from Borro r 400. Gross Amount Due to Seller 101. Contrail sales price 101,900.00 401. Contract sales price 101,900.00 102. Personal ro d 402. Personal ro ert 103. Settlement charges to borrower (tin 1400) 8,144.00 403. 104. 404. 105. 405. Ad ustments for items aid b seller In advance Ad ustments for items aid b seller in advance 106. Cityflowntaxes to 406. Cityltowntaxes to 107. County taxes 04/21/201 to 12/3112010 419.70 407. County taxes 04/21/2010 to 12/31/2010 419.70 108. School Taxes 04121/201 to 06130/2010 399.93 408. School Taxes 04121/2010 to 06130/2010 399.93 109. Sewer 04/23/201 to 06/30/2010 153.92 409. Sewer 04/2312010 to 06/30/2010 153.92 110. 410. 111. I 411. 112. 412. 120. Gross Amount Due from Borro r 111,017.55 420. Gross Amount Due to Seller 102,873.55 200. Amounts Paid b or In Behalf of orrrwer 500. Reductions In Amount Due to Seller 201. Deposit or earnest money 1,000.00 501. Excess deposit (see instructions) 202. Pdncipal amount of new loan(s) 100,053.00 502. Settlement charges to seller (line 1400) 26,026.93 203. Existin loa s taken sub'ect l0 503. Existin loa s taken sub'eil to 204. 504. Payoff of first mortgage loan 205. 505. Payoff of second mortgage loan 206. 506. P07. 507. Inheritance Tax Escrow 3,000.00 208. 508. 209. 509. Ad'ustments for items un aid b selle Ad ustments for Items un aid b seller 210. Cilyltown taxes to 510. Cityltown taxes to 211. County taxes to 511. County taxes to 212. School Taxes to 512. School Taxes to 213. ' 513. 214. 514. 215. Seller Assist 6,114.00 515. Seller Assist 6,114.00 216. 516. 217. 517. 218. 518. 219. 519. 220. Total Paid b Hot Borrower 107,167.00 520. Total Reduction Amount Due Seller 35,140.93 300. Cash at Settlement fromlto Bor veer 600. Cash at Setttement tolfrom Seller 700. Total Real Estate Broker Fees $ 6,993.00 Paid From ' Pald From ' Division ofconimission(Iine700)asfollows~ Borrower s Seller s 701. $2,972.00 to RelMax 1st Advantage FUndS at FUndS at 702. $4,021.00 to RelMaxRealtySelecl 703. Commission paid at settlement Settlement Settlement 6,993.00 704. Commission to RelMaxlstAdvantage 250.00 705. Broker Fee to Re/Max Realty Select 155.00 800. Items Pa able ini Connectlon with /Loan 801. Our origination charge (Includes O gination Point % or $0.00) $495.00 (from GFE #1) 802. Your credit or charge (points) for the'specific interest rate chosen $1,000.53 (from GFE #2) 803. Your adjusted origination charges (from GFE A) 1,495.53 804. Appraisal fee to RELS $450.00 P.O.C.(B") (from GFE #3) 805. Credit report to RELS $45.00 P.O.C.(B") (from GFE #3) 806. Tax service to (from GFE #3 807. Flood certifcaticn to (from GFE #3 808. to 900. hems Re aired b Lender to be P id in Advance 901. Daily interest charges from f m 04/23/2010 to 0 510112 01 0 @ $13.71001day (from GFE #10) 109.68 902. Mortgage Ins. Promium f r months to Wells Far o Bank, N.A #708 (from GFE #3) 1,720.83 903. Homeowners insurance f r months to State Farm (from GFE #11) 428.00 904. months to from GFE #11 1000. Reserves De osited with Lender'. 1001. Initial deposit for your escrow acco4nt (from GFE #9) 1,762.21 1002. Homeowners insurance 3 months $ 35.671month $107.01 1003. Mortgage Insurance months $ O.OOlmonth $0.00 1004. City Property Tax months $ O.OOlmonth $0.00 1005. County Property Tax 5 months $ 49.06/month $245.30 1006. School Taxes 12 months $ 167.90/month $2,014.80 1007. Aggregate Adjustment $-604.90 1100. Title Char es 1701. Title services and lenders title insurance (from GFE: #4) 1,185.75 1102. Settlement or closing fee to $ 1103. Owners title insurance (from GFE: #5) 18.00 1104. Lender's title insurance $990.75 1105. Lenders title policy limit $100,053. 0 1106. Owner's title policy limit $101,900. 0 1107. Agent's portion of the total title insu ante premium $857.44 1108. Underwriter's portion of the total till insurance premium $151.31 1109. 1111. Tax Certification Fee to 1st Advanta a Settlement Services 5.00 1112. to $ 1200. Government Recordin and Tra sfer Char es 1201. Govemmenl recording charges (from GFE? #7) 136.00 1202• Deed $62.00 Mort a e $74.00 Release $0.00 1203. Transfer taxes (from GFE #8) 1,019.00 1204. City/County taxlslamps Oeed $1,019.00 Mort a $0.00 1205. State Taxlslamps Deed $1,019.00 Mod a e $0.00 1,019.00 1206. Deed $0.00 Mort a e $0.00 1207. Record Memorandum 27.00 1300. AddiOonal SetBement Char es 1301. Required services that you can sh p for (from GFF_ #6) 19.00 1302. Survey to $ 1303. to 1304. Flood Llfe of Loan Fee to Wells Fargo Bank N.A #708 $19.00 1305. to 1306. to $ 1307. 2010 ColTownship Taxes to Debbie Lu old 588.73 1308. Sewer 111-6130 to East Pennsboro Townshi 483.00 1309. Reim for Furnace Repair to Re/Max Realt Select 360.70 1310. Reimb for Oil Delivery to Re/Max Realt Select 1,139.50 Com orison of Good Faith Estimate (GFE) and HUD•1 Charges Char es That Cannot hncrease HUD-1 Line Number Our origination charge # 801 Your credit or charge (points) for the specific interest rate chosen # 802 Your adjusted originalioit charges # 803 Transfer taxes # 1203 Char es That in Total Cannot Increase More Than 10% Government recording charges # 1201 Appraisal fee to # 804 Credit repod to # 805 Mongage insurance premium # 902 ~. r Cha es That Can Chan e Initial deposit for your escrow account Daily interest charges from # 1001 #901 $13.7100Iday Homeowners insurance # 903 Title services and lenders title insurance # 1101 Owners title insurance # 1103 Flood Life of Loan Fee # 1304 # Good Faith Estimate HUD•1 495.00 495.00 _ 1,000.53 1,000.53 1,495.53 1,495.53 2,199.00 1,019.00 Good Faith Estimate HU_D1 166.00 136.00 450.00 450. 45.00 45.00 1,720.83 1,720.83 2,381.83 2,351.83 $ -30.00 or -1.2595% Good Frrith Estimate HUD•1 1,442.51 1,762.21 109.68 109.68 410.00 428.00 1,084.25 1,185.75 0.00 18.00 19.00 19.00 Loan rerms Your initial loan amount is $100,053.00 Your loan term is 30 years Your initial interest rate is 5.0000% Your initial monthly amount owed for principal, interest, and any mortgage $581.88 includes insurance is ^X Pdncipal ^X Interest ^X Mongage Insurance Can your interest rate dse? X^ No. ^ Yes, it can rise to a maximum of %. The first change will be on 1 I and can change again every years after I 1 .Every change date, your interest rate can increase or decrease by %. Over the life of the loan, your interest rate is guaranteed to never be lower than % or higher than %. Even if you make payments on time, can your loan balance rise? ^X No. ^ Yes, it can rise to a maximum of $ Even if you make payments on time, can your monthly amount owed for 0 No. ^ Yes, the first increase can be on I I and the monthly principal, interest, and mortgage insurance dse? amount owed can rise to $ The maximum it can ever rise to is $ Does your loan have a prepayment penalpy7 ^X No. ^ Yes, your maximum prepayment penally is $ Dces your loan have a balloon payment? X^ No. ^ Yes, you have a balloon payment of $ due in years on I I Total monthly amount owed including esctow account payments ^ You do not have a monthly escrow payment far items, such as property taxes and homeowners insurance. You must pay these items directly yourself. X^ You have an additional monthly escrow payment of $297.40 that results in a total initial monthly amount owed of $834.51. This includes pdncipal, interest, any mortgage insurance and any items checked below: ^X Properly taxes Q Homeowner's insurance ^ Flood insurance ^ ^ ^ Note: If you have any questions about the Settlement Charges and Loan Terms listed on this torn, please contact your lender. ~~- HUD CERTIFICATION OF BUYER AND SELLER I have carefully reviewe~.d the HU0.1 Settlement Statement and to the best of my knowledge and belief, it is a true and accurate statement of all receiF4e. and disbursements made on my account or try me in this transaction. I further certify that I have received a copy of the HU0.1 Battlement Statement. v-(.~ Rosalie L. Gagliano The HU61 Settlement Statement whicf• I have prepared is a true and acwrate disbursed in acwrdance with this staterent. SETTLEMEN AGENT transaction. I have caused or will cause the funds to be DATE r r r~ Name of Borrower: Rosalie L. Gagliane Name of Seller: Estate of Richard R. Knisely File Number 10073 TitleExpress Prepared 04/23/2010 at 8:53 am Note: This page is furnishes) to give you an itemization of the amounts shown nn Lines 1101, 1103 and ,11104 of the Settlement Statement (HUD-1 ). This page accompanies but is n~t a part of the settlement statement. If a discrepancy exists, the informations shown on the Settlement Statement (HUD-1) applies. Pafd From Borrower's Funds at Settlement Pald From Seller's Funds at Settlement Amounts Included 1100. Title Charges ' in Line 1101 1101. Title services and lender's title ins rance 1,185.75 a. Wire In Fee $ 10.00 b. Email\Doc Copy Fee 35.00 c. Overnight Delivery Fee-Packag 25.00 d. Wire Out Fee 15.00 e. Notary Fee 35.00 f. Closing Service Letter 75.00 i $ 195.00 ~ 1102. Settlement or closing fee 1103. Owner's title insurance (policy) $ 18.00 18.00 1104. Lender's title insurance (policy 840.75 $ 990.75 a. Survey (No Survey) 50.00 b. 900 EPL-Res 50.00 c. 300 Survey 50.00 ( ota11103 + 1104) $ 1 008 75 -- r- 1105. Lender's ti0e policy limit 5700,05 00 1036695251 PASLE 1106. Owner's title policy limit $101,90 .00 1071968520 PAO 1107. Agent's portion of the total title in urance premium $ 857.44 1108. Underwdler's portion of the total ti le insurance prem. 151.31 ( ota11107+1108) 1109. 1110. 1111. 1112. I •.. r 1700. Title Char es with Pa ee Total. Borrower Char a POC or Credit Borrower Line 1701 Seller Paid 1101. Title services and lender's title in urance $ a. Wire In Fee l01st Advantage eltlement Services Inc. 10.00 10.00 b. EmaillDoc Copy Fee to 1 st A vantage Settlement Services Inc. 35.00 35.00 c. Overnight Delivery Fee-Pack ge to 1st Advantage Settlement Services Inc. 25.00 25.00 d. Wire Out Fee (01st Advantag Settlement Services Inc. 15.00 15.00 e. Notary Fee to Kristen D. Shiv 35.00 35.00 f. Closing Service Letter to First American Title Insurance Company 75.00 75.00 1104. Lenders title insurance to 1st Ad antage Settlement Services Inc. 990.75 990.75 $ 1,185.75 t,18575 7 ESTAT~~}CHARD R. K~1S~i'S~ ~~ ~<7-~+iIA~L,,~~1 Harp an~no LAST WILL AND TESTAMENT BE IT REMEMBERED THAT I, RICHAi~D R. ICNISELY, a resident of Cumberland County, Pennsylvania, being of sound and disposing mind, memory and understanding, do make, publish and declare this to be my LAST WILL and ~'ESTAMENT, hereby revoking any and all Wills and Codicils previously made by me;. I declaze t~rat I am married to F. ARLENE I{NISELY, and that I have three (3) children, JELINDA BEND~R, JENEEN MILLER and RICHARD R. ICNISELY,1[I. II I direct th~t all my just debts and funeral expenses shall be paid from my residuary estate as soon as after my decease. III I direct all taxes that may be assessed in consequence of m}+ death, of whatever nature and by whatever) jurisdiction imposed, shall be paid from my residtuuy estate as a part of the expense of the addninistration of my estate. IV I give, devise and bequeath all my property, whether real or ;personal, wherever situate, including any property over which I may have a power of appointment to my wife, F. ARLENE KNISELY providied that she survives me by thirty (30) days. VI 1'R I T If I have arty grandchildren who inherit property under the terms of this Will who are under the age of eighteen (18) yeazs, I appoint JELINDA BENDER and JIiNEEN MILLER as Co- Trustees of the pro~erty that I have given to my grandchildren. If either is unable or unwilling to act in that capacity th~ other may act alone as Trustee. A. The a~sets that aze transferred to the Trust shall be divided into approximately equal shares for each of ~ny grandchildren under the age of eighteen (18) years of age. B. The T~ust estate shall be administered until each grandchild reaches the age of eighteen (18) yeazs. Until hat time, the Trustee shall apply all net income and principal of the Trust estate as follows: I' 1) ~o long as my grandchild is under the age of eighteen (18) years f age, the net income of the Trust shall be paid to, or applied for e benefit of my grandchild at such times and in such amounts as t e Trustee shall in his discretion deem necessary for his support, elfaze, maintenance and education. Education shall be defined roadly to include not only that available in college, but also trade chool and other similar training. In the event that the income hall be insufficient to provide my .child with adequate aintenance, support, welfare or education, the Trustee may 'nvade the principal of this Trust for this purpose. 2) he Trustee in exercising his discretionary authority with respect o the payment of income or principal of the Trust Estate to my eneficiary, shall take into consideration any income or other esources available to my grandchild from sources outside of this rust that may be known to the Trustee. The determination of the rustee with respect to the necessity of making payments out of ncome or principal to my beneficiary shall be conclusive on alt ersons howsoever interested in the Trust. 3) e Trustee shall accumulate and add to principal any net income f the Trust not paid out in accordance with the discretion ereinabove conferred on the Trustee. 4) n the event my grandchild predeceases me or dies prior to the ermination of this Trust, the interest of my grandchild in the Trust hall cease, except that, if he is survived by any children, then t e D. My grandchild, as beneficiary of this Trust, shall not have any right to alienate, encumber, or hyp¢thecate his interest in the principal or income of the Trust in any manner, nor shall any interest be subject to claims of his creditors or liable to attachment, execution or other process of law. E. In ord~r to carry out the purposes of this Trust established b;y this Will, the Trustee, in addition to all oth~r powers granted by this Will, or by law, shall have the following powers over the Trust estate, subje~t to any limitation specified elsewhere in this Will: 1) ~ To retain any property received by the Trust estate for as long as the Trustee considers it advisable. 2) To spend funds for the maintenance and repair of real property. 3) To sell at public or private sale, exchange or lease for a period of time, any real or personal property and give i options for sale of the lease. 4) ~,I To execute and deliver any deeds, leases, assignments or other instruments as may be necessary to carry gout the provisions of this Tmst. 5) ail To borrow money and to mortgage or pledge any real or personal property. 6) The Trustee shall maintain accurate records and accounts and shall render statements to my beneficiary hereunder showing receipts and disbursements of principal and income no less frequently than annually. The Trustee shall serve without bond and shall receive fair and reasonable compensation for administration of this Trust, not to exceed five (5%) percent of annual income. 7) 'i To distribute property in kind. 8) I To do all other acts that are in his judgment necessary or desirable for the proper management, investment and distribution of the Trust estate. VII IN WITNESS WHEREOF, I, RICHARD R. KNISELY, have set my hand to this LAST WILL this ~Q day of te~~'~ary , 200( RICHARD R. KNISELY Signed, and f'or his Last and in the preset led, published and declared by the above-named RICHARD R. KNISELY, as Il and Testament, in the presence of us, who, at his request and in his presence, of each other, have hereunto subscribed our names as witnesses. ~~ ACKNOWLEDGEMENT COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF CIJ~;MBERLAND I, RICI$ARD R. KNISELY, Testator, whose name is signed to the attached or foregoing instnrment, havin~ been duly qualified according to law, do hereby acknowledge that I signed and executed the instalment as my LAST WILL; that I signed it as my fret; and voluntary act for the purposes therein pressed. p _ ,~~~ ~ i RIC A R.I{I~IISELY Swom or affirme to and acknowledged before me by RICHARD R. KNISELY, Testator, this /9~-day o ~~ , 20~ C~~ Notary Public !, I, Anne CarrrcJ c ry ~ubllc I~'i AFFIDAVIT ~ I'~'"' nc burg BOfO Cumberland •mty 'd'/ Cc, m,,,.: ion Erpir_s rxpir~; Mar. 17, 2:~3 COMMONWEALTH OF PENNSYLVANIA ss. COI7NTY OF C~JMBERLAND We, - ~r~L-ThO~S andJ~~th' l7 - ~l (~~~$~ , the witnesses w ose names are signed to the attached or foregoing instmlment being duly qualified according to la , do depose and say that we were present and saw Testator sign and execute the instrument as his LAST WILL; that RICHARD R. KNISELY signed willingly and that he executed it as his free and voluntary act for the purposes therein expressed; that each of us in the hearing and sight of the Tes for signed the Will as witnesses; and that to the best of our knowledge, the Testator was at the time 1 years of age or more, of sound mind and under no constraint or undue influence. ~sr~ ~~' ~~ ~-