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HomeMy WebLinkAbout11-16-12 (3)1505610140 1500 Ex t°'-'°' REV - OFFICIAL USE ONLY PA Department of Revenue Bureau of Individual Taxes County Code Year File Number Po Box 260601 INHERITANCE TAX RETURN 2 1 1 2 0 7 8 4 Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 1 9 1 2 8 1 0 1 0 0 7 0 7 2 0 1 2 0 2 2 3 1 9 3 5 Decedent's Last Name Suffix Decedent's First Name MI L A B O D A M I L D R E D B (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 IN APPROPRIATE OVALS BELOW 1. Original Return ~ 2. Supplemental Return ~ 3. Remainder Return (date of death prior to 12-13-82) 4. Limited Estate ~ 4a. Future Interest Compromise (date of ~ 5. Federal Estate Tax Return Required death after 12-12-82) ^X 6. Decedent Died Testate ~ 7. Decedent Maintained a Living Trust 0 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust) 9. Litigation Proceeds Received ~ 10. Spousal Poverty Credit (date of death ~ 11. Election to tax under Sec. 9113(A) between 12-31.91 and 1-1-95) (Attach Sch. O) CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL Name D A V I D W R E A L E R First line of address 2 3 3 1 M A R K E T S T R E E T Second line of address City or Post Office C A M P H I L L AND CONFIDENTU\L TAX INFORMATION SHOULD BE DIRECTED T0: Daytime Telephone Number 7 1 7 7 6 3 1 3 8 3 State ZIP Code i P A 1 7 0 1 1 REGISTER OF WILLS US~_gNLY ~, C7 c-: ~J ;, ~ - m .=~ ~ ~.~ ~ _' ..,a = , !~ , `, DA~~~61LED ~,,7 `~ '~ ~-= -r- --- -0 ~7 ~ Correspondent's a-mail address: DWREAGERaREAGERADLERPC • COM 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, correct and complete. Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge. SIGNATURE OF P,ERSON.RESPONSIBLE FOB FILING RETURN nGTF~ 325 EAST MEADOW~IVF,I / MECHANICSBURG PA 17055 SIGNATURE OF P PARER TbFAN RESENTATIVE .DATE. 2331 MARKET STREET ~ CAMP HILL PA 17011 PLEASE USE ORIGINAL FORM ONLY Side 1 L 1505610140 1505610140 J J 1505610240 REV-1500 EX oecedent'sName: MILDRED B• LABQDA Decedent's Social Security Number 1 9 1 2 8 1 Q 1 0 RECAPITULATION 1 9 5 0 0 0 ' 0 0 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. 1 9 5 3 8 7 8 5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E).... ... 5. , 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested .... ... 6. 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) ^ Separate Billing Requested .... ... 7. 8. Total Gross Assets (total Lines 1 through 7) ........................ ... 8. 1 1 4 5 3 8 , 7 8 9. Funeral Expenses and Administrative Costs (Schedule H) .... ..... ....... .. 9. 1 3 0 1 9 . 8 2 10. Debts of Decedent, Mortgage Liabilities, and Liens (Schedule I) .... ....... .. 10. 6 3 6 4 7 . 5 3 11. Total Deductions (total Lines 9 and 10) ................. ..... ....... .. 11. 7 6 6 6 7. 3 5 12. Net Value of Estate (Line 8 minus Line 11) .............. .... ........ .. 12. 3 7 B 7 1 . 4 3 13. Charitable and Governmental BequestslSec 9113 Trusts for wh ich an election to tax has not been made (Schedule J) .. ........ .. 13. 14. Net Value Subject to Tax (Line 12 minus Line 13) ........ .... ........ .. 14. ~ 7 8 7 1 • 4 3 TAX CALCULATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(t2)x.o _ 0. 0 0 ts. 0. 0 0 16. Amount of Line 14 taxable at lineal rate x .045 3 7 8 7 1. 4 3 16. 1 7 0 4. 2 1 17. Amount of Line 14 taxable 0 0 0 17 0 0 0 at sibling rate X .12 . . . 18. Amounl of Line 14 taxable at collateral rate X .15 0 0 0 18. 0• 0 0 19. TAX DUE ......................................................19. 1 7 0 4. 2 1 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT 0 Side 2 1505610240 1505610240 J REV-1500 EX Page 3 Decedent's Complete Address: File Number 21 12 0784 DECEDENT'S NAME MILDRED B. LABODA STREETADDRESS - - 634 CEDAR RIDGE LANE -- - -- CITY STATE 1 ZIP MECHANICSBURG PA 17055 Tax Payments and Credits: t Tax Due (Page 2, Line 19) 2. CreditslPayments A. Prior Payments 1, 583.77 B. Discount 83.35 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. (1) 1,704.21 TotalCredits(A+g) (2) 1,66?. 12 (3) (4) 0.00 5. If Line 1 +Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) 37.09 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 : ......................................... ^ Q ........................ b. retain the right to designate who shall use the property transferred or its income; ......................... ..... ..... ^ ^X c. retain a reversionary interest; or ......................................................... ^ X^ .................................. d. receive the promise for life of either payments, benefits or care? .................................................. ..... ..... ^ Q 2. If death occurred after December 12,1982, did decedent transfer property within one year of death without receiving adequate consideration? .................................................................................. ..... ^ ^X 3. Did decedent own an "in trust for" orpayable-upon-death bank account or security at his or her death? .... ..... ^ X^ 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 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 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 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(1.2) [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 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. REV-1502 EX+ (Ot-10) pennsylvania ~ SCHEDULE A DEPARTMENT OF REVENUE I INHERITANCE TAX RETURN REAL ESTATE RESIDENT DECEDENT ESTATE OF: FILE NUMBER: MILDRED 8. LABODA 21 12 0784 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 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 634 CEDAR RIDGE LANE, MECHANICSBURG, PENNSYVLANIA 17055 I 95,000.00 (SETTLEMENT 10/16/12, SETTLEMENT SHEET ATTACHED) TOTAL (Also enter on Line 1, Recapitulation.) I $ 95 , 000 •0 If more space is needed, use additional sheets of paper of the same size. REV-1508 EX+ (11-10) pennsylvania SCHEDULE E DEPARTMENT OF REVENUE CASH, BANK DEPOSITS, 8r MISC. INHERITANCE TAX RETURN RESIDENT DECEDENT PERSONAL PROPERTY ESTATE OF: FILE NUMBER: MILDRED B• LABODA 21 12 0784 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. MEMBERS 1ST FEDERAL CREDIT UNION - SAVINGS ACCOUNT X17490-00 11,252.69 2• MEMBERS 1ST FEDERAL CREDIT UNION - CHECKING ACCOUNT X17490-11 1,997.54 3• BURIAL PLOTS AT ROLLING GREEN 600.00 4• REFUND FROM GASTRO 8.13 5• 2000 HY UNDAI PROCEEDS FROM SALE 3,000.00 6• REFUND FROM COMCAST 43.35 7• REFUND FROM GEICO 18.79 8• REFUND FROM SUNTRUST - REAL ESTATE TAX ESCROW 911.18 9• PERSONAL PROPERTY 10• TAX PRO RATION FROM SETTLEMENT (SEE ATTACHED SETTLEMENT SHEET) TOTAL (Also enter on Line 5, Recapitulation) I S If more space is needed, insert additional sheets of paper of the same size 500.00 1,207.10 REV-1511 EX+ (10-09) pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS MILDRED B• LABODA 21 12 0784 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. FUNERAL - MUSSELMAN FUNERAL HOME 8 CREMEATION SERVICES, INC• 2,684.82 2• MEMORIAL - ROLLING GREEN 3,034.00 B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s) of Personal Representative(s) JANE L• H A W B E C K E R 4, 5 0 0.0 0 Street Address 325 EAST MEADOW DRIVE City MECHANICSBURG State PA ZIP 17055 Yearys) Commission Paid: 2 D 13 z, AttomeyFees: REAGER 8 ADLER, PC 2,500.00 3, Family Exemption: (If decedent's address is not the same as claimant's, attach explanation.) Claimant SVeet Address City State ZIP Relationship of Claimant to Decedent 4. Probate Fees: CUMBERLAND COUNTY REGISTER OF WILLS 277.00 5 Accountant Fees: 6. Tax Retum Preparer Fees: 7. SHORT CERTIFICATES - CUMBERLAND COUNTY REGISTER OF WILLS 24.00 TOTAL (Also enter on Line 9, Recapitulation) I = , ~ ,,, o ~ , If more space is needed, use additional sheets of paper of the same size. REV-1512 EX+ (12-06) pennsylvania SCHEDULE I DEPARTMENT OF REVENUE DEBTS OF DECEDENT, INHERITANCE TAX RETURN MORTGAGE LIABILITIES, & LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER MILDRED B• LABODA 21 12 0784 Repoli debts incurred by the decedent prior to death that remained unpaid at the date of death, including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. RESIDENTIAL CARE - HOSPICE 1,110.00 2• PAINTING - BOB STARE 2,250.00 3• TRASH REMOVAL - WASTE MANAGEMENT GAGSTER 330.00 4• REPAIR AIRCONDITIONING - LEGGETT 93.00 5• SKYLIGHT REPAIR - CONSERVATION CONCEPTS 929.36 6• SHOWER HEADS, LIGHT BULBS, SMOKE ALARM, FLOOR LIGHTS, CHANGE LOCKS 543.74 FIREPLACE CLEANER, PAINTING SUPPLIES, DISHWASHER HOUSE REPAIR- LOWES 7• MOVING TRUCK - BROCK HARTSTOCK 100.00 8• INSTALL DISHWASHER, CARPENTRY - ^ANYTHING^ ADAM KEYES 235.00 9• SEWER - UPPER ALLEN TOWNSHIP 112.00 10• AMBULANCE - EAST PENNS80R0 AMBULANCE SERVICES, INC• 105.00 11• CONDO• DUES - KATHY KRIEDER 180.00 12• SPACKLE FOR HOUSE REPAIR AND ADDITIONAL SEALANT, SKYLIGHT SEALANT 91.36 RITTER TRUE VALUE 13• CARPET FOR HOUSE - ABBEY CARPET AND FLOOR 3,000.00 14• MORTGAGE PAYMENTS - SUNTRUST MORTGAGE 1,822.32 15• MORTGAGE PAYOFF - SUNTRUST MORTGAGE (SEE SETTLEMENT SHEET 42,925.37 ATTACHED) TOTAL (Also enter on Line 10, Recapitulation) ~ S If more space is needed, insert additional sheets of the same size. Continuation of REV-1500 Inheritance Tax Return Resident Decedent MILDRED B. LABODA 21 12 0784 Decedent's Name Page t File Number Schedule I -Debts of Decedent, Mortgage Liabilities, & Liens ITEM NUMBER DESCRIPTION AMOUNT 16• ELECTRIC - PPL 169.25 17. REPAIR BACK ROOM CARPENT - ADAM KIESS CARPENTRY 140.00 18• HOUSE CLEANING - MELISSA HERBEIN 200.00 19. REPLACE AND PAINT BASEBOARDS ON BACK PORCH ROOM - ANDY HAWBECKER 266.82 AND ADAMY KEYES 20. CAR SERVICE FOR SALE - AMERILUBE 30.00 21• CAR GAS FOR SALE - RUTTERS 27.61 22. FIREPLACE CERTIFICATION - DONNIE EARNER 100.00 23. CLEAN BACK PORCH - RUG DOCTOR 31.79 24. INSTALL SKYLIGHT - DONNIE EARNER 550.00 25• DELIVER SKYLIGHT - UHAUL 33.16 26. WATER BILL - UNITED WATER 50.77 27• ESTATE CHECK REORDER - DELUXE.COM 35.75 28• PHONE- VERIZON 12 05 29• DONATIONS TO WEST SHORE EVANGELICAL CHURCH 500.00 WHEEL CHAIR, SHOWER CHAIR, WALKER, CANE AND CLOTHING 30- EXPENSES FROM SALE OF HOUSE (SEE ATTACHED SETTLEMENT SHEET 7,673.18 FOR BREAKDOWN) SUBTOTALSCHEDULEI 9,820.38 GRAND TOTALSCHEDULEI $ 63,647.53 REV-1513 EX+ (01-10) pennsylvania ~ SCHEDULE J DEPARTMENT OF REVENUE I BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: MILDRED B. LABODA ~,. ,.~ n~ni~ RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS [Include outs' ht spousal distributions and transfers under Sec. 91 f6 (a) (1.2).] 1. MAXWELL SCOTT HAWBECKER - GRANDSON C/0 Lineal 12,623.81 JANE HAWBECKER 325 EAST MEADOW DR. ,MECHANICSBURG, PA 17055 2. MEGAN RAE HAWBECKER -GRANDAUGHTER C/0 Lineal 12,623.81 JANE HAWBECKER 325 EAST MEADOW DR•,MECHANICSBURG, PA 17055 3• NICOLE DEPSKY - GRANDAUGHTER Lineal 12,623.81 85 MULLIGAN DRIVE ETTERS, PA 17319 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 T HROUGH 18 OF REV-1500 COVER S HEET, AS APPROPRIATE. II. NON-TAXABLE DISTRIBUTIONS: 1. A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAXIS NOT TAKEN: 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $ it more space Is neeaea, use addlnonal sheets of paper of the same size. Y:\Clients\Laboda, Mildred B\Wi11.2009.doc January 5, 2010 ~~ ~~ ~ rn LAST WILL AND TESTAMENT ~ ~ ~ ~'- r r"°'~ c= ~~; ! ~!' ~v<,, co _ OF n~j- ~ _ ._ -„ pc _ ~_ ~ . 1, -i ~ rn ~- MILDRED B. LABODA ~ a o `n I, MILDRED B. LABODA, of Mechanicsburg, Cumberland County, Pennsylvania, being of sound and disposing mind, memory and understanding, do hereby make, publish and declare this my Last Will and Testament, hereby revoking any and all prior Wills and Codicils thereto by me at anytime heretofore made. 1. IDENTIFICATION OF FAMILY. I declare that I have two (2) children whose names are JANE L. HAWBECKER and JANET K. DEPSKY, and as used in this Will, the term "my children" refers to JANE L. HAWBECKER and JANET K. DEPSKY. As used in this Will, the term "issue" refers to all lineal descendants of the indicated person of all generations, with the relationship of parent and child at each generation determined by the definition of "child/children" set forth in this paragraph. 2. PAYMENT OF BURIAL EXPENSES AND DEBTS. I authorize my executor to pay all the expenses of (1) a funeral or memorial service; (2) the interment of my remains, including the costs of a grave site, if necessary; and (3) the installation and inscription of a suitable marker at, and perpetual care of, the grave site. I further direct my executor to pay all of my debts that my executor in his or her sole discretion may allow as claims against my estate. 3. DISPOSITION OF TANGIBLE PERSONAL PROPERTY. I give all of my tangible personal property of every kind and description, including, but not limited to, books, pictures, clothing, articles of household or personal use or adornment, household furnishings and effects, and automotive vehicles and their accessories, but excluding any money, evidences of indebtedness, documents of title, and securities and property used in connection with the operation of any trade or business, in equal shares, to my children, as follows: I direct my executor to divide my tangible personal property into two parts. The first part shall contain all items that my executor determines, to be of no present or future value or use to my children. The second part shall contain the balance of the property. My executor shall dispose of the first part by sale, abandonment, destruction, or gift to any charity or person. The proceeds of any sale shall be added to my residuary estate. All property in the second part I give to my daughter, JANE L. HAWBECKER. If JANE L. HAWBECKER shall not be living at the time of my death, I give all property in the second part to my grandchildren, MAXWELL SCOTT HAWBECKER, MEGAN RAE HAWBECKER and NICOLE DEPSKY, per stirpes. MILDRED B. LABODA Y:\ClientslL.aboda, Mildred B\Wi11.2009.doc January 5, 2010 Any item of personalty passing to a minor under this section maybe delivered to the minor or to any person to hold for the minor, as my Executor thinks advisable, and the receipt of any such persons, including the minor, shall constitute a full and complete discharge to my Executor. 4. DISPOSITION OF RESIDUARY ESTATE. 4.1. Disposition. All of the rest, residue and remainder of the property that I own at the time of my death, both real and personal, and of every kind and description, wherever situated, to which I may be legally or equitably entitled at the time of my death (my "residuary estate"), to be divided and distributed in equal shares to my grandchildren, MAXWELL SCOTT HAWBECKER, MEGAN RAE HAWBECKER and NICOLE DEPSKI', per stirpes; PROVIDED THAT, if any of the beneficiaries shall predecease me leaving issue, then I leave the share of that deceased beneficiary to his or her issue, per stirpes; PROVIDED, however, that if such beneficiary or issue shall then be under the age of twenty-one (21), my trustee shall hold that beneficiary's or issue's share in a separate trust for the benefit of that beneficiary or issue, to be administered and distributed as provided in Article 4.2 of this Will. 4.2. Trust for Beneficiary or Issue. In the event that any of the beneficiaries or issue of the beneficiaries who are entitled to a share pursuant to Section 4.1 above are under the age of twenty-one (21) years, his or her share shall be held IN TRUST. My Trustee shall invest and manage any such share as a separate trust and make distribution as follows: i. Until such beneficiary or issue reaches the age of twenty-one (21), my trustee shall pay to or apply for the benefit of that issue so much of the net income of the trust as my trustee shall deem necessary or advisable to provide for that issue's support, maintenance, health and education (including higher or special education). My trustee shall accumulate any income not so distributed and shall add the same to principal at least annually. ii. I authorize my trustee to pay or apply principal of the trust, at any time, to or for the benefit of such beneficiary or issue, even to the point of exhausting trust principal, in such amounts as my trustee, in her absolute discretion, deems necessary or advisable to provide for the support, maintenance, education and health of such beneficiary or issue. For example, but not by way of limitation, my trustee may pay or apply trust principal, in my trustee's absolute discretion, for basic maintenance and support; elementary or secondary education; post-secondary technical or vocational training; college, postgraduate, and professional study; and assistance in connection with marriage, acquisition and furnishing of a home, and commencing a business or profession. In determining the amount of principal to be disbursed, my trustee shall take into consideration any other resources available to such beneficiary or issue. 2 ,~ ~~~- MILDRED B. LABODA Y:\Clients\Laboda, Mildred B\Wi1L2009.doc January 5, 2010 iii. Upon such beneficiary or issue reaching age twenty-one (21), the trust for such beneficiary or issue terminates and my trustee shall distribute to such beneficiary or issue all of the trust assets remaining on hand. iv. If a beneficiary dies before reaching age of twenty-one (21), and is survived by issue, my trustee shall distribute the trust principal to such deceased beneficiary's then living children, per stirpes. vi. If a beneficiary dies before reaching age twenty-one (21), and is not survived by issue, my trustee shall distribute the trust of that beneficiary in equal shares to my surviving grandchildren. vii. If at any time my trustee in her discretion determines that the size of such beneficiary's trust share does not warrant holding such share in trust, my trustee may, in full discharge of her duties herein, without formal court accounting, pay the remaining principal and income to the Guardian of the person of such beneficiary who is a minor or may deposit it in an interest bearing or investment account in the name of such beneficiary, payable to the beneficiary upon obtaining the age of twenty-one (21), or such earlier age as my trustee deems appropriate, and upon such payment or deposit the trustee shall be relieved of all liability in connection with such fund. 4.3. Trustee's Judement Final. The judgment of the trustee as to the amount of payments or applications of principal or income pursuant to this Article shall be final and conclusive on all persons interested, or who may become interested, in the trust estate. On making any payments or applications of principal, the trustee shall be fully released and discharged from all further liability or accountability. 4.4. Spendthrift Provisions. No beneficiary of this trust shall have any right or power to sell, assign, convey, mortgage, pledge, anticipate, hypothecate, or otherwise dispose of any right, title, or interest that the beneficiary may acquire in the income or principal of the trust estate until the income or principal has actually been paid over to the beneficiary by the trustee. Nor shall the income or principal of the trust estate, or any part of it, or any interest of any beneficiary under this Will be liable for, or to any extent subject to, any debts of any kind or nature incurred or contracted by any beneficiary, either before or after my death. Any right granted to a beneficiary to receive or withdraw assets of the trust estate, either principal or income, for the beneficiary's own use and benefit shall not be available for the satisfaction of any claims of the creditors of the beneficiary. Any right of receipt or withdrawal shall be suspended and may not be exercised by any beneficiary on the filing of a proceeding in bankruptcy in which the beneficiary is debtor. The suspension shall be continued during bankruptcy proceedings and shall be restored only after the entry of a final order of discharge of the beneficiary as debtor. 3 MILDRED B. LABODA Y:\Clients\L,aboda, Mildred B\Wi11.2009.doc January 5, 2010 4.5. Rule Against Perpetuities. If any provision of this Will should be void on account of the rule against perpetuities or any other rule of law pertaining to such trusts, as applicable, then the trust herein provided shall continue in force for the full period permitted by law and on the day prior to the expiration of such full period, my trustee shall make distribution of any remainder of the trust estate to the persons herein named who would be entitled to take distribution upon termination of the trust. 5. POWERS OF ADMINISTRATION. 5.1. Grant of Powers. My executor, in the administration of my estate, (my "fiduciaries") shall have the powers and authorities set forth in this Article 5. These powers and authorities may be exercised by my executor and trustee in their sole and absolute discretion, without the permission or order of any court. These powers shall be supplementary to those conferred by law, including, but not limited to, those set forth in Title 20, Chapter 33, of the Pennsylvania Consolidated Statutes. 5.2. Retention of Assets. My fiduciaries shall have the power to retain any or all property of my estate, however received and acquired, for so long as they deem appropriate. This power may be exercised even though the property may not be of the type authorized by law for investment, and even though the retention may leave a disproportionately large amount of the value of my estate invested in one type of property. 5.3. Transfer of Assets. My fiduciaries shall have the power to sell, transfer, and convey any property, of whatever nature, including real property, and wherever situated, that I may own at the time of my death, or that may come into my estate or after my death. The sale, transfer, or conveyance may be by public or private sale, at such time, on such terms and conditions, including selling price and credit, in such manner, and for any reason that my fiduciaries deem appropriate, including, but not limited to, the purpose of obtaining net proceeds to be distributed to my residuary beneficiaries. 5.4. Investment. My fiduciaries shall have the power to invest and reinvest any property in my estate in preferred and common stocks, bonds, notes, common trust funds (including any managed by any corporate fiduciary), interests in investments, trusts, mutual funds, leases, mortgages on property wherever located, and, generally, in any property and in proportions of property as my fiduciaries deem advisable, even though the investments are not of the character or proportions authorized by applicable law for the investment of the funds. 5.5. Power to Borrow. My fiduciaries shall have the power to borrow money for any purpose, for any periods of time, and on any terms and conditions as they deem advisable (including the power to borrow from any corporate fiduciary), and to pledge, mortgage, or 4 MILDRED B. LABODA Y:\Clients\L,aboda, Mildred B\Wi11.2009.doc January 5, 2010 otherwise encumber any property in my estate to secure repayment of any loan, as well as the power to renew existing loans either as maker or endorser. 5.6. Power to Hold Property in Nominee Form. My fiduciaries shall have the power to hold any property in the name of a nominee or in bearer form. 5.7. Distribution in Cash or in Kind. My fiduciaries shall have the power to make distributions in cash or in kind, or partly in cash, in divided or undivided interests, as amended, or other applicable law, and to determine which assets shall be sold and which shall be distributed in kind, without notice to or consent by any beneficiary. 5.8. Distribution to Minors and Persons Under Disability. My fiduciaries shall have the power to make distributions or payments to or for the benefit of any beneficiary who is a minor, an incompetent, or who in the fiduciaries' judgment is incapacitated. The distributions or payments shall be made in any one or more of the following ways: (1) directly to the beneficiary; (2) directly to the creditor in payment of the debts or expenses of the beneficiary; (3) to the guardian of the person or estate of the beneficiary; (4) to any custodial parent of a minor beneficiary; (5) to a custodian for the beneficiary under any law related to gifts to minors, including to my fiduciaries in that capacity; or (6) to any other person who shall have the care and custody of the person of the beneficiary. There shall be no duty to see to the application of funds so paid, provided due care was exercised in the selection of the person to whom the funds were paid, and the receipt of the person shall be full acquittance of the fiduciaries. 5.9. Continuation or Liquidation of Business. My fiduciaries shall have the power to continue or to permit the continuation of any business, incorporated or unincorporated, in which I may have any interest at the time of my death for any period of time, or to liquidate the business on any terms as they deem appropriate. This power includes, but is not limited to (1) the power to invest additional sums in any business, even to the extent that my estate may be invested largely or entirely in the business, without liability for any loss resulting from lack of diversification; (2) the power to act as or to select other persons to act as directors, officers, or employees of any business, to be compensated without regard to being a fiduciary under this Will; and (3) the power to make any other arrangements in regard to any business as my fiduciaries shall deem proper. 5.10. Emaloyment of Agents. My fiduciaries shall have the power to employ and pay the compensation of any and all attorneys, agents, custodians, attomeys-in-fact, experts, investment counsel, accountants, bookkeepers, or other agents or providers of services as my fiduciaries deem advisable in the administration of my estate. 5.11. Commissions. My fiduciaries shall have the power to take reasonable commissions on account at any time during the administration of my estate without the approval of any 5 ~-,~B ~ MILDRED B. LABODA Y:\Clients\Laboda, Mildred B\Wi11.2009.doc January 5, 2010 beneficiary or of the court, but subject to allowance or disallowance on the settlement of the final accounts of my fiduciaries. S.12. Third Party Reliance. No person or corporation dealing with my executor shall be required to see to the application of any property paid or delivered to my executor, or to inquire into either the authority of my executor to enter into any transaction or the expediency or propriety of any transaction entered into by my executor. 5.13. Charitable Donations. In the event that any of my tangible personal property is donated to a charitable organization(s) then my fiduciary is instructed to use the value of said donation(s) as an inheritance tax deduction for any inheritance tax return which may be required to be filed as a consequence of my death. 6. PAYMENT OF DEATH TAXES. 6.1. Payment of Estate Taxes. I direct that all federal and Pennsylvania estate taxes payable as a result of taxes assessed on property passing under this Will shall be paid from my residuary estate as a part of the expenses of the administration of the estate. 6.2. Inheritance Tax. I direct that the Pennsylvania inheritance taxes payable as a result of my death, limited to taxes assessed on property passing under this Will, shall be paid out of my residuary estate and shall not be deducted or collected from any beneficiary under this Will or other transferee. 7. EXECUTOR. 7.1. Appointment. I name, constitute, and appoint my daughter, JANE L. HAWBECKER. of Mechanicsburg, Pennsylvania, as executor of my estate. If JANE L. HAWBECKER shall not survive me, shall not serve as executor for any reason, or shall cease to serve as executor for any reason after appointment, I appoint SCOTT ANDREW HAWBECKER, of Mechanicsburg, Pennsylvania, as successor executor. 7.2. Bond Not Required. None of the individuals named in Section 7.1 shall be required to furnish a bond for the faithful performance of his duties as executor. 8. APPOINTMENT OF TRUSTEE. 8.1. I name, constitute, and appoint my daughter, JANE L. HAWBECKER, as the trustee of any trust under Article 4 of this Will. If the trustee shall not serve as trustee for any reason or 6 DL ~fi~-""d-c--- MILDRED B. LABODA Y:\Clients\Iaboda, Mildred B\Wi11.2009.doc January 5, 2010 shall cease to serve as trustee for any reason, then her successor trustee shall be SCOTT ANDREW HAWBECKER. 8.2. Resisnation of Trustee. Any individual trustee may resign from the position of trustee by executing a written resignation and delivering it to the successor trustee. The date of the delivery of the resignation shall be the effective date of the resignation. No court action or other proceeding shall be necessary for the resignation of an individual trustee. 8.3. Disqualification of Trustee. A person shall be disqualified from acting as a trustee (1) if found by a court of competent jurisdiction to be incompetent; or (2) if, on receipt of a written request from an adult beneficiary, guardian or a successor trustee of the trust for a written certification from a qualified physician that upon examination the physician finds the person mentally or physically capable of properly handling his or her business affairs, the person does not obtain a written certification within thirty days after receipt of the request. 8.4. No Bond Required. No bond shall be required of any trustee or successor trustee named in this Will. 8.5. RiEhts of Successor Trustee. Every title, estate, right, authority and discretion vested in or conferred on any initial trustee under this Will shall likewise become and be vested in and may be exercised by any successor trustee. 8.6. Trustee's Fees: My trustee shall be entitled to a reasonable and customary fee for serving in said capacity. 9. PRESUMPTION IN CASE OF SIMULTANEOUS DEATH. For the purposes of this Will, in determining whether a person has survived me or another person, a person shall not be deemed to have survived ine or another person if he or she dies within sixty (60) days of my death or of the death of the other person. 10. LIABILITY OF TRUSTEE AND EXECUTOR. My executor and trustee shall not at any time be liable for mistake of law or of fact, or both law and fact, or errors of judgment, nor for any loss coming to any beneficiary under this Will, or to any other persons, except through actual fraud or willful misconduct on the part of the executor or trustee. My executor or trustee may, from time to time, consult with counsel with respect to the meaning, construction, and operation of this Will, particularly with respect to the appointments, allocations, and disbursements, and may act on the advice of counsel in all matters without incurring liability on account of his or her actions. 7 /~ ~~~"~P""'` MILDRED B. LABODA Ipp\clienls\laboda\wi11.2010 January 5, 2010 11. INTERPRETATION. 11.1. Successors of Fiduciaries. All pronouns referring to an executor and the term "executor" shall be construed to mean any person acting as my executor, co-executor, personal representative, or administrator, as the case maybe. 11.2. Number and Gender. If required by the context of this Will, singular language shall be construed as plural, plural language shall be construed as singular, and the gender of personal pronouns shall be construed as either masculine, feminine, or neuter. 11.3. Headings. All headings used in this Will to describe the contents of each article, paragraph, or other division are provided for convenience only and shall not be construed to be a part of this Will. 11.4. Governing Law. This Will shall be construed in confonnity with the law of the Commonwealth of Pennsylvania. IN WITNESS WHEREOF, I have hereunto set my hand and seal to this, my Last Will and Testament, consisting of nine (9) pages which bear my signature for the purpose of identification, this day of January, 2010. Mh~LCD.~RED B. LABODA, Testatrix Signed, sealed, published and declared by the above-named Testatrix, MILDRED B. LABODA, as and for her Last Will and Testament, in the sight and 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. `-mil _ Witness Wi ess 2231 Market Street Cam Hill PA 17011 2231 Market Street Cam Hill PA 17011 8 I pplclientsllaboda1wi11.2010 January 5, 2D10 COMMONWEALTH OF PENNSYLVANIA ) COUNTY OF CUMBERLAND ) S S. I, MILDRED B. LABODA, THE TESTATOR, WHOSE NAME IS SIGNED TO THE FOREGOING INSTRUMENT, HAVING BEEN DULY QUALIFIED ACCORDING TO LAW, DO HEREBY ACKNOWLEDGE THAT I SIGNED AND EXECUTED THE INSTRUMENT AS MY LAST WILL AND TESTAMENT; THAT I SIGNED IT WILLINGLY; AND THAT I SIGNED IT AS MY FREE AND VOLUNTARY ACT FOR THE PURPOSES THEREIN EXPRESSED. SWORN OR AFFIRMED TO AND ACKNOWLEDGED BEFORE ME BY MILDRED B. LABODA, THE TESTATOR THIS ~ 'h DAY OF JANUARY, 2010. COMtu}OMWEA_LTH OF PENNSYL`<!AMA Notarial meal Mildred M. O'Donnell, Notary Public Camp Hill 6oro, Curtborland County M1 CommiSSion Expires Au1~30.~.`010 MentSpf, ~annaylvpn~a peneeiN4ir~n of Notaries // MILDRED B. LABODA, TESTATRIX J~1 U~~~. NOTARY PUBLIC COMMONWEALTH OF PENNSYLVANIA COUNTY OF CUMBERLAND SS. WE, (~FF.I.`~~. MEf~IS~ AND JEsslc!-~ L• SH-ULL THE WITNESSES WHOSE NAMES ARE SIGNED TO THE FOREGOING INSTRUMENT, BEING DULY QUALIFIED ACCORDING TO LAW, DEPOSE AND SAY THAT WE WERE PRESENT AND SAW THE AFORESAID TESTATRDC SIGN AND .EXECUTE THE INSTRUMENT AS HER LAST WILL AND TESTAMENT; THAT SHE SIGNED WILLINGLY AND THAT SHE EXECUTED IT AS HER FREE AND VOLUNTARY ACT FOR THE PURPOSES THEREIN EXPRESSED; THAT EACH OF US IN THE HEARING AND SIGHT OF THE TESTATRD~ SIGNED THE WILL AS WITNESSES; AND THAT TO THE BEST OF OUR KNOWLEDGE THE TESTATRIX WAS AT THE TIME EIGHTEEN (18) OR MORE YEARS OF AGE, OF SOUND MIND AND UNDER NO CONSTRAINT OR UNDUE INFLUENCE. SWORN OR AFFIRMED TO AND SUBSCRIBED TO BEFORE ME, THIS ~~h DAY OF JANUARY, 2010. COMMONWE.ALTfi OF PENNSYL\'ANIA Iotarial 5e~1 Mildred M. O'Donnell, Notary Public, Camp Hill Faro, Cumberland ~o;mty My Commission Spires Au+x.30 ?01n Man~iUcr. Pennsylvania Aappoi~tian of luulsrss WITNESS ESS p NOTAR PUBLIC 9 d~` ome Approval Tfa 2502-0285 ~~ ~,= A. ~settlem~nfi ~fiatement (Hl1U-7) 4rM oll6 B. Tvoe of Loan 1 Q FHA 2 [~ Rfi3 3 X C l 6. FieNUmber. 7, Losnt4umber; B. Mortgagsln8uranxCaseNumber: . . O orn, Un rn. FiASS 0419274048 4.O VA 5. t] Conv, Ins. G. aob: This Iwm k aurdshed b give you a amtement of aduef settlarnantcoda. Amounts pskf ro end by Me ae(ggmerrt agent era dram . Items marktd Tp,ac.)' were paid oufsMe the ckuhg; dray ere drown here tw hrormabbnet puryoaea and are not hduded /n the totek, D. Name and Addrep of Borrower: E. Nerve and Address of Seller. F. Name ahd Add+ess of Lender: JESS E A HARK THE ESTATE OF MILDREO WELLS FARGO BANK NA 634 CEDAR RIDGE 1.4NE IABODA P O BOX 100515 MECHANfCSBURG, PA T7055 FLORENCE SC 29502.051 G_ PropertyLoraOon; H- SelAwneMAgent: i SeBbnrenlData: 634 CEDAR RfDOE LANE SEASONS SETTLEMENTS INC . MECHANICSBURQ PA 17055 2510 DERRY STREET CUMBERLAND Comity, PennsyNerria HARRISBURG:PA 17111 Ph. {717)558-0005 Odaber l6, 2012 Place of SetOamenl: WEICHERTREALTt7Rb FlRST CHOICE 4206 UNGIESTOWN RD HARRISBURG PA 1Ti 72 J. Summary ol8orcovrer'a iraraectlon K. Summery of SNlefs twnaectlon 100. GrosaAmasd Duetran Borrower: 40D. GroasAmount Due to Soler. 101. comractsal~ dce 95000,00 401. Conlrectseles w 95000.00 102. Personal 0 4112. Personal 103. SeHlemaM a tb Boaovrer Line (4001 5198.82 4173. 104. 404. toy. an6. A uatmarltaforitearn id Shcutnadvance A ustmeKaforRema idb SallerlnaWarrue t08. CI[yffown7exea 1D117/12 to OtA)t/13 • 100.11 406. Ci own Terms 10/77112 to OtN1713 100 11 107. Cwn Taxes to 407. Coun Taxes to 1178. Schooltex TOP17/12 tp 07!01/13 1,106.99 408.Sclrodtax 10lf7tT2 M 07f01/13 1106.99 109, 409• 110, _ 41D. 111. 411. 112. 412. 1Z0, Gross Amount Due from Borrower 101,405.92 420. Gross PmouM t?ue b 8elkr 96,207.10 200. AmourBa Paid ar inSelralf of Barrower 500. Reductlons In Amourrt Due Seller; 201. 9toreemestmon 20~.oD 501. Exc6asde ost eeehrstrudlons 202. Pdnd slamouMOfnewbane) 75000.00 502, Seltlemon[cha ato9efer LIne1400 7552,00 2D3. Exfslln loan s lalten sub d to 503. Exkt ban s taken su d to ~~ 504, Payoff First MOrlgape la SUNTRUST MORTGAGE 42,925.37 205. ~ 50.5. Pa eoond a 206. _ c~D6. 207. 507, De sil dkb. as roreeds 208. SEWER 1011.10116 21.16 5176, SEWER ff7%1-10/16 21.f8 209. r~ A ustmerrts for Rena un aid Seller A Datmerlf8 for items un std Seller ZfO. Gl own Taxes to 510. Ci ownTbms to 271. Coun Taxes to _ ~ 511. Coun Taxes b 212. School fax to 512, School twr to 2f3. 513. 214. 514. 215. 615. 216. ~_.. 518. ~7• 517. 216. 518. 219• 519. 220. Total patdb ttor Borrower 77,021.16 620. Total fteductlon Amaurt Dus Seller (10,598.5:1 300. Gash at SettlettreMTrornfto Borrower 301 or G e 8 d s i l 800. Cash at settirmarlt td(rom Ilex . ross ue m a rom arower yre 120 101,405.92 tR11. Grose amount due b Seller ins 420 9S 7 10 302. Less amourrt id b f1ar Borrower lire 220) { 77;021.16 602. Lela redudions due Seller lim 520 . ( ~ 50,596. 303. Cash ~X From ~ To Bortowar .• 24',384.76 803. Cash X^ To ~ From Seller 45,608.57 The undersigned ~adr ' H~glpt o(a mpleled c y of this statement 8 any a0sfiments alts herein. Borrmivar ~, 7 r /~ Seller THE F.STA LDRED B L. BettlemeM Charges 700.TatelltealFytateBrokerFeaa 58,095.00 PatlFron vavm, OiNslorrorcommfas e700)eslWows: eomwr• am•r• OT. 3 5.00 o L B ~ - Flea •r Pond•tl 702. CHER REAL FlR H ICE Seaart aea•m•p1 Co d n da a 8096 704. BROI4:R FEE to WEICHERTREALTCRS RRST CHgCE 250,00 705. 800. Nave 61e in Connection with Loan B01.Ourod halloo d1a a {ndudes O Inatlon Point 885.00 S 665.00 htrn OFE ski .: _: , B02. Your aedR or dlarge (pdnte) for the spx6lc Intereaf role droaen ~ S (Tnlifl GFE 1F2) ,t ;~, our adjus ine9on rge! (ram GFE 6ss.99 + ' 804. iai9al fee fo REL3 VALUATION 5380.OOPOG6 from OFE i9J ' ~+ 805. CredilRe to RELS CREOfT 311.68 POC from GFE Y3 10.34 ,~~r ;{}, 808. Tax serNOa to ran G .,4t 807. Good osr fpatbn [o (from G ) `. ~~,•.:; 808. ) •t 80 (from GfiE ) a . tom:. . ~; -~~ , 610. -_ l%r~ - :L _..+. ~';. ~_ 611. from FE :, r., ~. 900. Items aired Lender m Be Paid In Advsnoe 901. Daiyinterestdr a from 10/18/12 tc 11Poi112 16 57.4500001day (from GFE #10) 119.20 ~ °>'+ 'e ^+'• ~r ~"+'~ 8D2. Mor a plsirrance remlum for moo lhs to from GFE #3 _ ~. 903. Homaourners aurenae for 1.0 rs l0 BER M from #11 731.00 ., . ~,. + 904. (ran GFE #11 t:.t;,[ n , 906. (frornGFE#11} ..".- ,_;~ ~. 1000. Raservee Le aslEadtvt6l Lender ' 1001.Inilhldeooellfory0ureacrowsorounl (fromGF&tt9) 696,28~;~ ~~'~";''a meowne surano- .0 moo a per moo 8Z:7 - u _ .h~;j • r ~~., 1003. a surence moot r manih $ rr 1004. Ropedy to roes $ _ own mma moo s v month _ sseumenta monhs $ r month °r, 1005. $ 7006, CO TWP TAX 9.(X10 months ~ S 40.17 per manlh S 361.53 7007. SCHOOL TX 5.000 monlha ~ S t31.02 per month S 655.10 t000.AG(~tEGATEADJ1.iS1MENT $ -503.11 :.~;, 1009. $ ;; x' ~ ~ tt:;; 1100. TiBa Cho s ' 7101. T6Ie aervlcea and fender's 61fe hsuranca om 1,337.50 1102. Saltldnem or doai tae $ "..., . 'F, 1103. Owners a InanCa to iron OFE 1N5 1 04. Lender a tfde irsnrerKa (D W :~.... 7105. Lender's aUe 1 6mA $ 75 000,00 2 ~ + -t• 6~: 1106. OMners the k imK S 99 000.00 ~ , . ,_~,. 1107. ant's orBal otthe talal ti6e lrrsuran oa ium $ 1108. Underurriler's of the tool ti8e insurance um $ +~` 1109. TAXCERT to SEASONS SETTLEMENTSINC 10,00 t110. WD1E PAYO to S S MENT INC 25.rX1 1 11. L NOTARY to JUO PP1 15,00 2. 5 7 to UPP AL 1WP EW R A NO 4 03 ~ ~ 2.00 1113. SE R1 1112 to U ER N PS ACCT 108 ' 1t2A)0 1300. Goverrxnant Rewrding and Transfer' Charges 1201. Govemmant re~rdl cf+ es to Remrdars Offos from GFE 163.50 ~:^;..:,ci~:°(: •. 1202. Deed $ 83.56 MafgaOe S 120.D0 Refesses $ Other Y .~x,4 ~~ 1203. Transfer tunas (from GFE #8) _~ '.. - 7204. CltylCorm lardstamps S $ _ . 975.00 1206. Slate 1 S $ $ ~ 1 D8_ F !o en's oe 875. 7207. t3p0.0.ddNlonalSettfemeniChar s 1301. R trod services Bret cons for from GFE #8 _r rF ' ~z 1302. HOME WARRANTY td AHS 420.00 1303. TAX SERVICE FEE to WELLS FARGO RE TAX SERV 100 00 ]304. FLOOD CERT to WELLS FARGO FL1~00 SEV (g,pp t 305. TODD. Total Settlement Cher as (enter on tines 103, Secdan J and b02 Baclton K 5 198.82 7652.00 e+i ba++v vw t or w• nr•mxt, nera+.wrr w•nwarw r®br d. m,Per•omrv Draw x a a mnbwm pfl• wr.mrc SEASONS SETTLEMENTS INC, SeUkmenl Agent ~omparrson or Good Faltn Esdmafe (GFE) and HU0.1 Chsrgea Ch ea ThatCannotlncreaee HUD-i Lhle Number Oaod FNth [-ettmate HUA1 OOrodgtralbnah #801 fi85.00 665.00 Ycur crodit a m e (polnte) is the apecaic Intoreat.ate chosen # ao2 Your a wled or' 'netlon charges ~ #003 866.00 665.00 Tra na6artaxes #1203 975.00 875.00 Ghargae Tltatln Total Cannotlncreeaa fNorrthan 19x Gaod Faith Esthnate HUD-1 Go~.errrnentrc merges #iZOi raffialtee #804 150.00 380.00 183.50 380.00 Credit report #805 lax seMce # 80B 11.88 100.00 10.34 100.00 Food ter8fica6on #807 10.00 10.00 7atd 681,66 88384 ~_ _ _ _ _ Ingeeee between GFE and MUD-] Charges S 218 or 0.92 Charges That Can Change Gaud Fanll Estimate HU0.1 INtyldep~sitforyourescrow account #1001 649.91 896.28 Ually Interest ttrargea ` # 901 S ~ 7.450000/day 123.20 119.20 Haneowner's hvurenoe #903 500.00 731.00 Ttia se rvkas and lender's Idle twurance #1101 1,337.90 1,337.50 Wan Terms Your in 18at loan amolnf is j 75,1100.00 Your loan term is 30 yeah Your Mldal interest rak la 3.6250 X Your htgial monthly amwncowed for pdnIXpal, Iola rest and 5342,041ndudes any nntt9age irrstxara:e K ~ Prlndpal Q Interest ^ Mortgagelnauranca Can your hrterest ra0e rye? © No ^ Yea, II wn flm ro a maximum of %. The fiml change will be on and ran change again every _„ months attar Erery change date, your Intcresl rate can lrlarease ar decrease try %. aver the IBe of the loan, your Inheres! rate f4 puawnMed to never be lower then % a Idgher than %. Fven ii you make paymerCa on 8me, un your Ivan balance dse9 © No ^ Yes, it nn rise to a maxlmnm d S Coven if you males payments an Ogre, can yourmonthly ^X No ^ Yes, Ura fleet inaeaee can be at ~, and the monthy amourt owed Tor prlrrclpal, inkrest, and mortgage Irmtrance dse4 amount owed can rise to ~_ The maximum t aan ever dse to b S Oaee your loan havaaprepayment penally? ® No ^ Yes,ywr maximumprepeyment penaty ia5 Does yasr loan have a balloon payment? [~ {Jo ^ Yes, you haw a balloon payment of i due it ~ y~eers on Total mornhly amount owed including escrowaccount payments ^ You do not have a monNy escrow payment for dana, such as property lazes and homeovm ors Insurance. You must pay these kertle dlradty yourae8. © You have a n addltbnal monthly eacrar paytnant d 3232.11 that rasuNs to a local kdllal monthly amount owed of 5574.15. Tll6 indudu prindpal, Intasat, arty nrorigage inatrrance and any items chsdred below: ^X Propenylaxas ^X Hameovmar'einaurenoe ^ Fbod lqurance ^ ^ ^ Note: If you have am/ quea0ons about the Settlement Charges end Loan Tome Asted on ttda form, pl~o eantad: W ur)ender. NUD-4 Attachment -.e..~..®..~... d~ Borrower(s~:JESSE A HARR Sellet(s~: TkE ESTATE OF MItDRED and LABODA 634 CEDAR RIDGE LANE MECHANICSBURG, PA 17055 Lender: WELLS FARGO BANK NA Satttement Apant: SEASONS SETTLEMENTS INO (717)558-0006 Place oF9ettlement WEICHERT REALTORS FIRST.CHOICE 4206 tINGtESTOWN RD HARRISBURG PA 17112 Settlement Data: October 16, 2012 PropartyLvcation:634 CEDAR RIDGE LANE MECHANICSBURG, PA 17055 CUMBERLAND County, Pennsylvanle Seller Loan PayofF Details Payoff First MoRgage to SUNTRUST MORTGAGE Loah Payoff As af~ Total Additional Interest days ~ Total Loan Payoff 42,826.37 Adjusted Origination Charge Details Origination Charge ORIGINATION FEE to WELLS FARGO BANK NA Per Diem 685.00 Total S 685,00 Origination CrediUChatge (points) for the specific interest rate chosen Total S AdJusted Origination Charges S fifi5.00 Reserves Deposited with Lender HomeowneYS Insurance 3.000 at 60.92 per month CO TWP TAX 9.000 at 40.17 per month ~CHODL TX 5.000 atf 31.02 per month AGGREGATE ADJUSTMENT at per month 182.76 361.53 655.10 -503.11 Total $ 688.28 Title SeNlces and Lender's Tine Insurance Details BORROWER SELLER CPL 75.00 to STEWARTTITLEGUARANTEE TITLE UNDERWRITER PORTION 130.88 to SEASONS SETTLEMENTSINC TITLE-AGENT PORTION 741,62 to SEASONS SETTLEMENTS INC WARNING: Il is a cr'une b kna+vmgry make false etatemert, to the United Statea on iris or airy similar bmt. Penalties upon oonvlctbn een include a Ane and Impdaatment For A9laila see: Title 18 U.S. Code 9actten 7061 and Seotlon 7010. END 30D 100 8.1 CONDO to SEASONS SETTLEMENTS iNC DOC DOWNLOAD COPIES WIRE FEDX tv SEASONS SETTLEMENTS lNC NOTARY tv SEASONS SETTLEMENT8 LNG Attachment - Continued 200.00 150.00 40.00 Total E 1,,337.50 E o.oo WARNM(k It b a er(ms W knowingly make Ta lse Etatemante to the Unigd Sias on ttia or any similar loan. Penalties upm eonNctlon can fnduds a nna and Imprlsonmvnt For details else: Title 18 U.B. Coda Bedlon 9001 and 8aerlnn ~n+n