HomeMy WebLinkAbout04-02-13 i
t 1505610105
_••1 REV-1500 Ex(o�v)(FI)
PA Department of Revenue pennsylvarda OFFICIAL USE ONLY
Bureau of Individual Taxes —" I—NHERITANCE TAX RETURN County Code Year FileNumeer
PO BOX 28o6o1
Harrisburg,PA 17128-0601 RESIDENT DECEDENT , J
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death MMOOYYYY Date of Birth MMODYYYY
01107/2013 06/11/1929
Decedent's Last Name Suffix Decedent's First Name MI
Fry Ann H
(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
GID 1.Original Return Q 2.Supplemental Return O 3. Remainder Return(Date of Death
Prior to 12-13-82)
C) 4,Limited Estate G= 4a.Future interest Compromise(date W O 5. Federal Estate Tax Return Required
death after 12-12-82)
Ci 6.Decedent Died Testate q 7.Decedent Maintained a Living Trust 8. Total Number of Safe Deposit Boxes
(Attach Copy of Will) (Attach Copy of Trust.)
O 9.Litigation Proceeds Received C= 10.Spousal Poverty Credit(Date of Death O 11. Election to Tax under Sec,9113(A)
Between 12-3191 and 1-1-95) (Attach Schedule O)
CORRESPONDENT- THIS SECTION MUST Of COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX IWORMM SHOULD 11"IRECTED T
Name DaytinETftigphone 1461116er m M
Leslie M Dolan (717 6'b3465
*Gl5TEYS OF K4.8 U OP
First Line of Address
414 Blacklatch Lane 7 ci
.ry
Second Line of Address ? v n
ii> 'r1
City or Post Office State ZIP Code DATE FILED
Camp Hill Pe 17011
Correspondent's e-mail address:dOlansnpa(QBGl.com
Under penalties of perjury,i declare thad i have examined axs retum,including acDompanyi g schedules and statameNS,and to the best of my knowiedge and beliefw,
it is true,correct and complete.Deciaraaon of preparer other man the personal representative is based on aft information of which preparw has any kmwkAge.
SIGNATU " PERSON RE�PONSIBLE FDR'FI ING RETURN DATE
Ab RESS
6LAe<LA7(2r-f L.n1- dtqp 141U. P/4 1-7,90 i
SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE GATE
ADDRESS
PLEASE USE ORIGINAL FORM ONLY
Side 1
1505610105 1505610105 J
R
1505610205
REV-1500 EX(Fl)
Decedent's Social Security Number
Decedent's Name:
RECAPITULATION
t Real Estate(Schedule A). . . ... . .. . . . ... _. .. ... ._. ....... . _.... ...... 1. 220,000.00
2. Stocks and Bonds(Schedule B) ... . . . ., . 0.00
3. Closely Held Corporation,Partnership or Sole-Propriatorship(Schedule C) ..... 3. 0.00
4. Mortgages and Notes Receivable(Schedule D). . ....... . . . .. . .. .. . . .. .. . . 4. 0.00
5. Cash,Bank Deposits and Miscellaneous Personal Property(Schedule E).. .. . .. S. 83,688.80
6, Jointly Owned Property(Schedule F) C) Separate Billing Requested .. .. . .. 6. 0.00
7. Inter-Vivos Transfers 8 Miscellaneous Non-Probate Property
(Schedule G) C) Separate Billing Requested.... ,... 7. 0.00
6. Total Gross Assets(total Lines 1 through 7)... . . . .. . .. ... ............... 8. 383,666.80
9, Funeral Expenses and Administrative Costs(Schedule H). ........ . . .... .. .. 9. 6,994.82
% Debts of Decedent,Mortgage Liabilities and Liens(Schedule 1)......•...... .. 10. 43,852.33
11. Total Deductions(total Lines 9 and 10).... .. . . ... . _ ... . . . ... .. ... ..... 11. 60,847.15
12. Net Value of Estate(Line 8 minus Lire 11) ... . ... ... ... .. ...... ... .. 12. 252,841.65
13, Charitable and Governmental Bequests/Sec 9113 Trusts for which
an election to tax has not been made(Schedule J) . . .. ... .. ... .. ... ....... 13. 0.00
14. Net Value Subject to Tax(Line 12 minus Line 13) .... .. .. ... .. 14. 252,841.65
TAX CALCULATION•SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate,or
transfers under Sec.9116
(a)(1.2)X.0- 15.
16. Amount of Line 14 taxable
at lineal rate X.0 45 11,377.87 16, 11,377.87
17. Amount of Line 14 taxable
at sibling rate X 12 17,
18. Amount of Line 14 taxable
at collateral rate X .15 16.
19, TAX DUE .. . . . .. . .. ... ..... .............. ...... .......... ........ 19.
11,377.87
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT C7
Side 2
1505610205 1505610205 J
REV-150'EX+ (12-12)
pennsytvania SCHEDULE A
DEPARTMENT OF REVENUE �+r�
INHERITANCE TAX RETURN REAL ESTATE
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
Ann H. Fry 2013-00131
All real property owned solely or as a tenant in common must be reported at fair market value.Pair 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,bath having reasonable knowledge of the relevant facts.
Real property that Is jointly-ovmed with right of survivorship must be disclosed on Schedule P.
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 awned as tenant in common. VALUE AT DATE
NUMBER OF DEATH
DESCRIPTION
1 785 Country Club Road Camp Hil,PA 17011 220,000.00
TOTAL(Also enter on Line 1, Recapitulation.) ; 220,000.00
If more space is needed, use additional sheets of paper of the same size.
REV-f5o8 Ex+(oe-ia)
pennsytvania SCHEDULE E
DEPARTMENTOF REVENUE CASH, BANK DEPOSITS & MISC.
INHERITANCE TAX RETURN PERSONAL PROPERTY
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
Ann H Fry 2013-00131
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. 2008 Ford Focus SE 10,000.00
2. Bank Account: PSECU PO Box 67013 Haftisbur,PA.17106 AccW050.24-5095 Savings 48,879.55
3. Bank Account PSECU PO Box 67013 Harfisbur,PA 17106 Acrt#050.24-5095 Checking 5,515.63
4. Household Goods and Furnishing 4,000.00
5_ Debts due Estate-Forest Park Rehabilitation Center 6,500.00
6, Debts Due Estate-Jan Brown and Associates 4,890,00
7, Debts Due Estes-tNtisceilaneous Health Insurance Refunds 298.62
8, Debts Due Estate-Mortage Escrow Refund 2,201.00
g. Debts due Estate-Guardian Life Insurance 1,404.00
TOTAL (Also enter on Line 5, Recapitulation) $ 83,688.80
If more space is needed,use additional sheets of paper of the same size.
l
REV-1511 Fx+(0-09)
fit pennsylvania SCHEDULE H
DEPARTMENT OF REVENUE FUNERAL EXPENSES AND
INHERITANCE TAX RETURN ADMINISTRATIVE COSTS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Ann H. Fry 2013-00131
Decedent's debts mast be reported on Schedule I.
ITEM
_NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
Myers-Hamer Funeral Home-Camp Hil.PA 3,851.00
7. Trinity Luthem Church-Camp Hill,PA 1,100.00
3 Premier Catering-Camp Hill,PA 985.80
4. Wsician 200.00
5. Flowers—Blooms by Vickery 235,00
B. ADMINISTRATIVE COSTS:
1. Personal Representative Commissions:
Name(s)of Personal Representative(s)
Street Address
City - - . ._. . State_.. _ ZIP
Year(s)Commission Paid: ._
2 Attorney Fees:
25.00
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: 413.50
S, Accountant Fees:
6. Tax Return Preparer fees:
7 Cumbertana County BarAssociatian—Estate Notice 75.00
8 Patriot News-Estate Pty 109.52
TOTAL(Also enter on Line 9, Recapitulation) $ 6,994.82
If more space is needed,use additional sheets of paper of the same size.
REV-:512 EX+(12-12)
5 pennsytvania SCHEDULE I
DEPARTMENT OF REVENUE DEBTS OF DECEDENT,
INHERITANCE TAX RETURN MORTGAGE LIABILITIES & LIENS
RESIDENT DECEDENT
ESTATE Of FILE NUMBER
Ann H Fry 2013-00131
Report debts incurred by the decedent prior to death that remained unpaid at the date of death,including unreimbursed medical expenses.
STEM VALUE AT DATE
HUMBER DESCRIMON OF DEATH
1 PSECU PO Box 67013 Harrisburg,PA 17106—Mortgage 37,145.52
2 PSECU PO Box 67013 Harrisburg,PA 17106—Car loan 2,686.67
3. UGI(Gas Bill) 133.12
4. ATT(Phone DID 34.34
5. Verizon (Phone bill) 71.88
6. PA American Water 115.96
7 PP&L 628.55
8. Penn National Insurance (Car) 169.00
9. Borough of Camp Hill (Sewer) 165.00
10 Penn Waste(Trash) 41,55
11 Guardian LTC Pharmacy 40,42
12. Janet Miller-Camp Hill Tax Collector (Tax Receipt,Per Capita and Real Esate) 1,39039
13. Sate Wide Tax Reocvsry-{School Tax) 41.50
14. Rescinded January Retirement Payment--Defense Finance and Accounting Service(DFAS) 1,208,03
Cleveland Center PO Box 98017 Cleveland,OH 44199-8017
TOTAL(Also enter on Line 10,Recapitulation) $ 43,852.33
If more space is needed,insert additional sheets of the same size.
REV 1513 EX+ (01-10)
Pennsylvania SCHEDULE J
DEPARTMENT Of REVENUE ,�+
INHERITANCE TAX RETURN BENEFICIARIES
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
Ann H Fry 2013-00131
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE
1 TAXABLE DISTRIBUTIONS[Include outright spousal distributions and transfers under
Sec.9116(a)(1.2).)
I. Cynthia H Rife—213 Kennebec CL Lexington,SC.29072 Daughter 25%
2. Leslie M Dolan—414 Blacklatch Lane Camp Hill,Pa. 17011 Daughter 25%
3. Christopher M Fry —711 E.Ameka St Orlando,FL.32803 Son 25%
4. Kimberly A Fry--200 McKendree Ave Annapolis,MD.21401 Daughter 25%
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV•1500 COVER SHEET,AS APPROPRIATE,
II NON-TAXABLE DISTRIBUTIONS
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN:
1.
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS:
i.
TOTAL OF PART II- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ONLINE 13 OF REV-1500 COVER SHEET. $
If more space is needed,use additional sheets of paper of the same size.
REGISTERED BY THE
BOROUGH F CAMP HILL
Secretary
jJL IL; J. Gu
WARRANTY DEED
THIS DEED, made the 7th day of July, 1992 ,
BETWEEN Peter M. Fry and Ann H. Fry, Husband and Wife,
Grantors,
AND
Ann H. Fry, of Camp Hill, Cumberland County,
Pennsylvania, Grantee.
WITNESSETH, That in consideration of One ($1. 00) Dollar, in hand
paid, the receipt whereof is hereby acknowledged, the said grantors
do hereby grant and convey to the said grantee,
ALL THAT CERTAIN lot of ground situated in the Borough of Camp
Hill, Cumberland County, Pennsylvania, bounded and described as
follows, to wit:
BEGINNING at a stake on the eastern side of Country Club Road, also
known as the Camp Hill-Oyster Mill Road, said stake being located
North 31 1/2 degrees West, 107 feet from the corner of property now
or formerly of John L. Lanshe and Joanne M. Lanshe, his wife;
THENCE along the eastern side of said Country Club Road North 31
1/2 degrees West 110 feet to a stake on the eastern side of said
road: THENCE North 68 degrees 30 minutes East along lands now or
formerly of Earl L. Wolf, at a right angle with said Country Club
Road, in a northeastward direction 200 feet to a stake; THENCE by
lands now or formerly of Earl L. Wolf, South 31 degrees 30 minutes
East and parallel with said Country Club Road in a southeastward
direction 110 feet to a stake at the northeast corner of lands now
or formerly of Earle L. Wolf; THENCE South 68 degrees 30 minutes
West by said lands now or formerly of Earle L. Wolf; at a right
angle with Country Club Road, in a southwestward direction 200 feet
to a stake on the east side of said Country Club Road, the Place of
BEGINNING.
HAVING THEREON ERECTED a single brick and frame dwelling house,
known and numbered as 785 Country Club Road.
BEING the same premises which Glenn Emanuel Ressler and Sandra
Clemm Ressler, by their deed dated October 10, 1975 and recorded in
Cumberland County Deed Book H, Volume 26, Page 88, granted and
conveyed unto Peter M. Fry and Ann H. Fry, husband and wife, the
Grantors herein.
THIS instrument represents a transfer from Husband and Wife to
Wife, and is therefore exempt from the payment of Pennsylvania
Realty Transfer Taxes.
AND the said grantors will GENERALLY WARRANT AND FOREVER DEFEND the
property hereby conveyed.
IN WITNESS WHEREOF, said grantors have hereunto set their hands and
seals the day and year first above-written.
Sealed and delivered in /
the presence of: �.
Peter M. Fry
t ,
„77 Ann H. Fry
Certificate of Residence
I hereby certify, that the precise residence of the grantee herein
is as follows:
785 Country Club Road
Camp Hill, Pennsylvania 17011 �.
Jam s pade,
A orney or Grantee
Commonwealth of Pennsylvania
ss:
County of Dauphin
On this, the day of G , 1992, before me, a
notary public, the undersigned officer, personally appeared Peter
M. Fry, known to me (or satisfactorily proven) to be the person
whose name is subscribed to the within instrument, and acknowledged
that he executed the same for the purpose therein contained.
IN WITNESS WHEREOF, I have hereunto set my hand
My Commission Expires: c. •, .'t' �i,
NOTARIAL SEAL •,•�,�• .•} �.;;.-'.� +
SUSAN M. LeVIA, Notary Public ;.,+
City of Harrisburg. Dauphin Ctuoty "' ,,.,,,,,,...
My Commission Expires July 11. 1994 r s Phu
Commonwealth of Pennsylvania
SS:
County of Dauphin
On this, the day of G• 1992 , before me, a
notary public, the undersigned fiver, personally appeared Ann H.
Fry known to me (or satisfactorily proven) to be the person whose
name is subscribed to the within instrument, and acknowledged that
she executed the same for the purpose therein contained.
IN WITNESS WHEREOF, I have hereunto set my hand a#icj`� 1a�
My Commission Expires: NOTARIAL SEAL `°r•`� "" ,i ' s s=
SUSAN M. LaV1A. Notary Public ":'� `"_••••"" (�' `•�
City of Harrisburg, Dauphin County
My Commission Expires July 11, 1994 » ^'"
Commonwealth of Pennsylvania
ss:
County of Cumberland
RECORDED in the Office for Recording of Deeds, etc. , in and for
said County, in Deed Book volume, Page .-
WITNESS my Hand and Official Seal this day of
f�j , 1992 .
x {�
a,•;���ca` � O
Recorder of Deed
M
�tr Corr
v
III I
Prepared By: 002W
Annette Chewning QS
Post Office Box 67013
Harrisburg, PA 17106-7013
1-800-237-7328 X3815
Return To:
PSECU
Real Estate Servicing
Post Office Box 67013
Harrisburg, PA 17106-7013
Parcel 11)* 01-19-1594-154
LOAN NUMBER - 5
MCIRTGAGE SA T IISFACTION PIECE
Made this day cf February 27, 2013
NAME OF MORTGAGOR(S): ANN H FRY
DATE OF MORTGAGE: September 09, 1998
ORIGINAL MORTGAGE AMOUNT: $50,000.00
NAME OF MORTGAGEE; PENNSYLVANIA STATE EMPLOYEES CREDIT UNION
Mortgage recorded on January 12, 1999, in the office of the Recorder of Deeds of CUMBERLAND
County, Commonwealth of Pennsylvania, Mortgage, Book 1512, Page 680
There have been no assignments of this Mortgage. Premises situate 785 COUNTRY CLUB ROAD,
CAMP HILL BOROUGH, County of CUMBERLAND.
The undersigned hereby certifies that the debi secured by the above mentioned Mortgage has been
fully paid and discharged and that upon the record, g hereof said Mortgage shall be and is hereby fully
and forever satisfied and discharged.
IN WITNESS WHEREOF, the undersigned being d / authorized has caused this instrument to be
executed and sealed this day of February 27, 2013.
�A/TyjtJEST: ,' q PEN,ii 'SYLVANIA STATE EMPLOYEES CREDIT UNION
L`t, ift�} tau jj 'tJ� 1 y -{�-i ILP
Shaw, A. Blurt
Ma,a, r, Real Estate Servicing
Commonwealth of Pennsytvania: SS
County of Dauphin
On this day of February 27, 2013, before me, Notary Public, the undersigned officer, personally
appeared Shelia A. Blurt, who acknowledged hers to be the Manager, Real Estate Servicing of
Pennsylvania State Employees Credit Union, and l r:a as such being authorized to do so, executed the
foregoing instrument for the purposes herein contc r :d by signing the name of the Credit Union by herself
as Manager, Real Estate Servicing.
IN WITNESS WHEREOF, I hereunto set my t,;rd and official seat.
ROBERT P. ZIEGLER
RECORDER OF DEEDS
CUMBERLAND COUNTY
1COURTHOUSESQUARE
CARLISLE, PA 17013 -
717-240-6370
Instrument Number- 201307265
Recorded On 316/2013 At 12:43:16 PM *Total Pages-2
•Instrument Type- SATISFACTION PIECE
Invoice Number- 130934 User ID-RZ
•Mortgagor-FRY,ANN H
•Mortgagee- PENNSYLVANIA STATE EMP CR UN
•Customer-PENNSYLVANIA STATE EMP CR UN
*FEES
STATE WRIT TAX $0.50 Certification Page
STATE JCS/ACCESS TO $23 .50
JUSTICE DO NOT DETACH
RECORDING FEES - $11.50
RECORDER OF DEEDS
PARCEL CERTIFICATION $10.00 This page is now part
FEES of this legal document.
COUNTY ARCHIVES FEE $2.00
ROD ARCHIVES FEE $3 .00
TOTAL PAID $50.50
I Certify this to be recorded
in Cumberland County PA
o °v
° RECORDER O D DS
ISO
*-Information denoted by an asterisk may change during
the verification process and may not be reflected on this page.
002W QS
r- } First Ammican Tide Insurawe Company
Commitment No. 98-6991
SCHEDULE C
ALL THAT CERTAIN lot of ground situate in the Borough of
Camp Hill, Cumberland County, Pennsylvania bounded and described
as follows, to wit:
BEGINNING at a stake on the Eastern side of Country Club
Road, also known as the Camp Hill-oyster Mill road, said stake
being located North 31 1/2 degrees West 107 feet from the corner
of property now or formerly of John L. Lanshe and Joanne M.
Lanshe, his wife; thence along the Eastern side of said Country
Club Road North 31 1/2 degrees West 110 feet to a stake on the
Eastern side of said Road; thence North 68 degrees 30 minutes
East along land now or formerly of Earl L. Wolf, at a right angle
with said Country Club Road , in a Northeastward direction 200
feet to a stake; thence by land now or formerly of Earl L. Wolf,
South 31 degrees 30 minutes East and parallel with said Country
Club Road in a Southeastward direction 110 feet to a stake at the
Northeast corner of lands now or formerly of Earl L. Wolf; thence
South 68 degrees 30 minutes West by said lands now or formerly of
Earl L. Wolf, at a right angle with Country Club Road, in a
Southwestward direction 200 feet to a stake on the East side of
said Country Club Road, the place of BEGINNING.
HAVING thereon erected a single brick and frame dwelling
house, known and numbered as 785 Country Club Road.
r3
66DKC�.`.�PAGE .Ei$6
5` .
AFTER RECORDING MAIL TO:
Pennsylvania State Employees Credit Union ^ t}
PO Box 67013
Harrisburg, PA 17106-7013
ATTN: Real Estate Closing
LOAN NO. 0502450955
)Space Above This Line For Recording Data]
MORTGAGE
THIS MORTGAGE("Security Instrument") is given on September 9, 1998 The mortgagor is
Ann H Fry
("Borrower"). This Security Instrument is given to
Pennsylvania State Employees Credit Union
which is organized and existing under the laws of Pennsylvania,
and whose address is P O Box 67013, Harrisburg, PA 17106-7013 ("Lender"),
Borrower owes Lender the principal sum of Fifty Thousand Dollars and no/100
Dollars(U.S.$ 50,000.00 ). This debt is evidenced by Borrower's note dated the same date as this
Security Instrument("Note"), which provides for monthly payments, with the full debt, if not paid earlier,due and
payable on October 1, 2028 . This Security Instrtmrent secures to Lender: (a)the repayment of the debt
evidenced by the Note, with interest,and all renewals, extensions and modifications of the Note; (b)the payment of all
other sums, with interest,advanced under paragraph 7 to protect the security of this Security Instrument;and(c)the
performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose,
Borrower does hereby mortgage,gram and convey to Lender the following described property located in
Cumberland County, Pennsylvania:
SEE ATTACHED LEGAL DESCRIPTION
which has the address of 785 Country Club Road Camp Hill
Istreetl [city)
Pennsylvania 17011 ("Property Address");
[Zip Code]
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
appurtenances,and fixtures now or hereafter apart of the property. All replacements and additions shall also be
covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the "Property."
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to
mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record.
Borrower warrants and will defend generally the title to the Property against all claims and demands,subject to any
encumbrances of record.
PENNSYLVANIA—SINGLE FAMILY—FNMA/FHLMC UNIFORM INSTRUMENT gpuK y�.t rM►PpG� C8� FOR*as 3oa99t90
3SCICMDTPAt10391t3039(9-90)-L PAGE t OF 6 1 .V
LOAN NO. 0502450955
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with
limited variations by jurisdiction to constitute a uniform security instrument covering real property.
UNIFORM COVENANTS. Borrower and Lender covenant and agree as follows:
1. Payment of Principal and Interest;Prepayment and Late Charges. Borrower shall promptly pay when due
the principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the
Note.
2. Funds for Taxes and Insurance. Subject to applicable law or to a written waiver by Lender, Borrower shall pay
to Lender on the day monthly payments are due under the Note, until the Note is paid in full, a sum("Funds")for: (a)
yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b)yearly
leasehold payments or ground rents on the Property, if any; (c)yearly hazard or property insurance premiums; (d)
yearly flood insurance premiums,if any; (e)yearly mortgage insurance premiums, if any; and (f)any sums payable by
Borrower to Lender, in accordance with the provisions of paragraph 8, in lieu of the payment of mortgage insurance
premiums. These items are called "Escrow Items." Lender may, at any time,collect and hold Funds in an amount not
to exceed the maximum amount a lender for a federally related mortgage loan may require for Borrower's escrow
account under the federal Real Estate Settlement Procedures Act of 1974 as amended from time to time, 12 U.S.C.
2601 et seq. ("RESPA"),unless another law that applies to the Funds sets a lesser amount. If so, Lender may, at any
time,collect and hold Funds in an amount not to exceed the lesser amount. Lender may estimate the amount of Funds
due on the basis of current data and reasonable estimates of expenditures of future Escrow Items or otherwise in
accordance with applicable law.
The Funds shall he held in an institution whose deposits are insured by a federal agency, instrumentality, or entity
(including Lender,if Lender is such an institution)or in any Federal Home Loan Bank. Lender shall apply the Funds to
pay the Escrow Items. Lender may not charge Borrower for holding and applying the Funds,annually analyzing the
escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the Funds and applicable law
permits Lender to make such a charge. However, Lender may require Borrower to pay a one-time charge for an
independent real estate tax reporting service used by Lender in connection with this loan, unless applicable law
provides otherwise. Unless an agreement is made or applicable law requires interest to be paid,Lender shall not be
required to pay Borrower any interest or earnings on the Funds. Borrower and Lender may agree in writing,however,
that interest shall be paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the
Funds, showing credits and debits to the Funds and the purpose for which each debit to the Funds was made. The
Funds are pledged as additional security for all sums secured by this Security Instrument.
If the Funds held by Lender exceed the amounts permitted to be held by applicable law,Lender shall account to
Borrower for the excess Funds in accordance with die requirements of applicable law. If the amount of the Funds held
by Lender at any time is not sufficient to pay the Escrow Items when due, Lender may so notify Borrower in writing,and,
in such case Borrower shall pay to Lender the amount necessary to make up the deficiency. Borrower shall make up
the deficiency in no more than twelve monthly payments, at Lender's sole discretion.
Upon payment in full of all sums secured by this Security Instrument, Lender shall promptly refund to Borrower any
Funds held by Lender. If,under paragraph 21, Lender shall acquire or sell the Property, Lender, prior to the acquisition
or sale of the Property, shall apply any Funds held by Lender at the time of acquisition or sale as a credit against the
sums secured by this Security Instrument.
3. Application of Payments. Unless applicable law provides otherwise,all payments received by Lender under
paragraphs I and 2 shall be applied: first, to any prepayment charges due under the Note; second, to amounts payable
under paragraph 2;third, to interest due; fourth, to principal due; and last,to any late charges due under the Note.
4. Charges;Liens. Borrower shall pay all taxes, assessments, charges, fines and impositions attributable to the
Property which may attain priority over this Security Instrument,and leasehold payments or ground rents, if any.
Borrower shall pay these obligations in the manner provided in paragraph 2, or if not paid in that manner, Borrower
shall pay them on time directly to the person owed payment. Borrower shall promptly furnish to Lender all notices of
amounts to be paid under this paragraph. If Borrower makes these payments directly, Borrower shall promptly furnish
to Lender receipts evidencing the payments.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower: (a)
agrees in writing to the payment of the obligation secured by the lien in a manner acceptable to Lender; (b)contests in
good faith the lien by,or defends against enforcement of the lien in, legal proceedings which in the Lender's opinion
operate to prevent the enforcement of the lien;or(c)secures from the holder of the lien an agreement satisfactory to
Lender subordinating the lien to this Security Instrument. If Lender determines that any part of the Property is subject
to a lien which may attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien.
Borrower shall satisfy the lien or take one or more of the actions set forth above within 10 days of the giving of notice.
5. Hazard or Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on the
Property insured against loss by fire,hazards included within the terns "extended coverage" and any other hazards,
including floods or flooding, for which Lender requires insurance. This insurance shall be maintained in the amounts
and for the periods that Leader requires. The insurance carrier providing the insurance shall be chosen by Borrower
subject to Lender's approval which shall not be unreasonably withheld. If Borrower fails to maintain coverage described
above, Lender may,at Lender's option,obtain coverage to protect Lender's rights in the Property in accordance with
paragraph 7.
eocK 1512 PAGF. 6$1
PENNSYLVANIA-SINGLE FAMSt,Y-FNMNFftLMC IIMFY}RM INSTRUMENT FORM 31134 4194
ISC/CMDTPA//0391/3039(9-90)-L PAGE 2 OF 6
LOAN NO. 0502450955
All insurance policies and renewals shall be acceptable to Lender and shall include a standard mortgage clause.
Lender shall have the right to hold the policies and renewals. If Lender requires, Borrower shall promptly give to Lender
all receipts of paid premiums and renewal notices. In the event of loss, Borrower shall give prompt notice to the
insurance carrier and Lender. Lender may make proof of loss if not made promptly by Borrower.
Unless Lender and Borrower otherwise agree in writing,insurance proceeds shall be applied to restoration or repair
of the Property damaged, if the restoration or repair is economically feasible and Lender's security is not lessened. If
the restoration or repair is not economically feasible or Lender's security would be lessened, the insurance proceeds
shall be applied to the sums secured by this Security Instrument, whether or not then due, with any excess paid to
Borrower. If Borrower abandons the Property, or does not answer within 30 days a notice from Lender that the
insurance carrier has offered to settle a claim, then Lender may collect the insurance proceeds. Lender may use the
proceeds to repair or restore the Property or to pay sums secured by this Security Instrument,whether or not then due.
The 30-day period will begin when the notice is given.
Unless Lender and Borrower otherwise agree in writing, any application of proceeds to principal shall not extend or
postpone the due date of the monthly payments referred to in paragraphs I and 2 or change the amount of the
payments. If under paragraph 21 the Property is acquired by Lender, Borrower's right to any insurance policies and
proceeds resulting from damage to the Property prior to the acquisition shall pass to Lender to the extent of the sums
secured by this Security Instrument immediately prior to the acquisition.
6. Occupancy, Preservation,Maintenance and Protection of the Property;Borrower's Loan Application;
Leaseholds. Borrower shall occupy,establish,and use the Property as Borrower's principal residence within sixty
days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal
residence for at least one year after the date of occupancy,unless Lender otherwise agrees in writing, which consent
shall not be unreasonably withheld,or unless extenuating circumstances exist which are beyond Borrower's control.
Borrower shall not destroy,damage or impair the Property,allow the Property to deteriorate, or commit waste on the
Property. Borrower shall be in default if any forfeiture action or proceeding, whether civil or criminal, is begun that in
Lender's good faith judgment could result in forfeiture of the Property or otherwise materially impair the lien created by
this Security Instrument or Lender's security interest. Borrower may cure such a default and reinstate, as provided in
paragraph 18, by causing the action or proceeding to he dismissed with a ruling that,in Lender's good faith
determination, precludes forfeiture of the Borrower's interest in the Property or other material impairment of the lien
created by this Security Instrument or Lender's security interest. Borrower shall also be in default if Borrower,during the
loan application process, gave materially false or inaccurate information or statements to Lender(or failed to provide
Lender with any material information)in connection with the loan evidenced by the Note, including,but not limited to,
representations concerning Borrower's occupancy of the Property as a principal residence. If this Security Instrument
is on a leasehold, Borrower shall comply with all the provisions of the lease. If Borrower acquires fee title to the
Property, the leasehold and the fee title shall not merge unless Lender agrees to the merger in writing.
7. Protection of Lender's Rights in the Property. I£Borrower fails to perform the covenants and agreements
contained in this Security Instrument, or there is a legal proceeding that may significantly affect Lender's rights in the
Property(such as a proceeding in bankruptcy,probate, for condemnation or forfeiture or to enforce laws or
regulations), then Lender may do and pay for whatever is necessary to protect the value of the Property and Lender's
rights in the Property. Lender's actions may include paying any sums secured by a lien which has priority over this
Security Instrument, appearing in court,paying reasonable attorneys' fees and entering on the Property to make repairs.
Although Lender may take action under this paragraph 7, Lender does not have to do so.
Any amounts disbursed by Lender under this paragraph 7 shall become additional debt of Borrower secured by
this Security Instrument. Unless Borrower and Lender agree to other terms of payment, these amounts shall bear
interest from the date of disbursement at the Note rate and shall be payable, with interest,upon notice from Lender to
Borrower requesting payment.
8. Mortgage Insurance. If Lender required mortgage insurance as a condition of making the loan secured by this
Security Instrument, Borrower shall pay the premiums required to maintain the mortgage insurance in effect. If, for any
reason, the mortgage insurance coverage required by Leader lapses or ceases to be in effect, Borrower shall pay the
premiums required to obtain coverage substantially equivalent to the mortgage insurance previously in effect,at a cost
substantially equivalent to the cost to Borrower of the mortgage insurance previously in effect, from an alternate
mortgage insurer approved by Lender. If substantially equivalent mortgage insurance coverage is not available,
Borrower shall pay to Lender each month a sum equal to one-twelfth of the yearly mortgage insurance premium being
paid by Borrower when the insurance coverage lapsed or ceased to be in effect. Lender will accept,use and retain
these payments as a loss reserve in lieu of mortgage insurance. Loss reserve payments may no longer be required,at
the option of Lender, if mortgage insurance coverage(in the amount and for the period that Lender requires)provided
by an insurer approved by Lender again becomes available and is obtained. Borrower shall pay the premiums required
to maintain mortgage insurance in effect, or to provide a loss reserve,until the requirement for mortgage insurance ends
in accordance with any written agreement between Borrower and Lender or applicable law.
9. Inspection. Lender or its agent may make reasonable entries upon and inspections of the Property. Lender
shall give Borrower notice at the time of or prior to an inspection specifying reasonable cause for the inspection.
10. Condemnation. The proceeds of any award or claim for damages,direct or consequential, in connection with
any condemnation or other taking of any part of the Property,or for conveyance in lieu of condemnation,are hereby
assigned and shall be paid to Lender.
PENNSYLVANIA-SINGLE FAMILY--FNMA/FHLMC UNIFORM INSTRUMENT ...}} v+'�� ��+ppn FORM 3039 9146
ISC/CMDTPA//039U3039(9-90}L PAGE 3 OF 6 B0b'B ii)12 PAGI; 682
LOAN NO, 0502450955
In the event of a total taking of the Property, the proceeds shall be applied to the sums secured by this Security
Instrument, whether or not then due, with any excess paid to Borrower. In the event of a partial taking of the Property in
which the fair market value of the Property immediately before the taking is equal to or greater than the amount of the
suns secured by this Security Instrument immediately before the taking,unless Borrower and tender otherwise agree
in writing, the sums secured by this Security Instrument shall be reduced by the amount of the proceeds multiplied by
the following fraction: (a)the total amount of the sums secured immediately before the taking,divided by(b)the fair
market value of the Property immediately before the taking. Any balance shall be paid to Borrower. In the event of a
partial taking of the Property in which the fair market value of the Property immediately before the taking is less than the
amount of the sums secured immediately before the taking,unless Borrower and Lender otherwise agree in writing or
unless applicable law otherwise provides, the proceeds shall be applied to the sums secured by this Security Instrument
whether or not the sums are then due.
If the Property is abandoned by Borrower,or if,after notice by Lender to Borrower that the condemnor offers to
make an award or settle a claim for damages, Borrower fails to respond to Lender within 30 days after the date the
notice is given, Lender is authorized to collect and apply the proceeds, at its option, either to restoration or repair of the
Property or to the sums secured by this Security Instrument,whether or not then due.
Unless Lender and Borrower otherwise agree in writing,any application of proceeds to principal shall not extend or
postpone the due date of the monthly payments referred to in paragraphs 1 and 2 or change the amount of such
payments.
11. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the time for payment or
modification of amortization of the sutras secured by this Security Instrument granted by Lender to any successor in
interest of Borrower shall not operate to release the liability of the original Borrower or Borrower's successors in
interest. Lender shall not be required to commence proceedings against any successor in interest or refuse to extend
time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any
demand made by the original Borrower or Borrower's successors in interest. Any forbearance by Lender in exercising
any right or remedy shall not be a waiver of or preclude the exercise of any right or remedy.
12. Successors and Assigns Bound;Joint and Several Liability;Co-signers. The covenants and agreements
of this Security Instrument shall bind and benefit the successors and assigns of Lender and Borrower,subject to the
provisions of paragraph 17. Borrower's covenants and agreements shall be joint and several. Any Borrower who
co-signs this Security Instrument but does not execute the Note: (a)is co-signing this Security Instrument only to
mortgage, grant and convey that Borrower's interest in the Property under the terms of this Security Instrument;(b)is
not personally obligated to pay the sums secured by this Security instrument;and(c)agrees that Lender and any other
Borrower may agree to extend,modify,forbear or make any accommodations with regard to the terms of this Security
Instrument or the Note without that Borrower's consent.
13. Loan Charges. If the loan secured by this Security Instrument is subject to a law which sets maximum loan
charges, and that law is finally interpreted so that the interest or other loan charges collected or to be collected in
connection with the loan exceed the permitted limits,then: (a)any such loan charge shall be reduced by the amount
necessary to reduce the charge to the permitted limit;and(b)any sums already collected from Borrower which
exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refund by reducing the
principal owed under the Note or by making a direct payment to Borrower. If a refund reduces principal, the reduction
will be treated as a partial prepayment without any prepayment charge under the Note.
14. Notices. Any notice to Borrower provided for in this Security Instrument shall be given by delivering it or by
mailing it by first class mail unless applicable law requires use of another method. The notice shall be directed to the
Property Address or any other address Borrower designates by notice to Lender. Any notice to Lender shall be given
by first class mail to Lender's address stated herein or any other address Lender designates by notice to Borrower.
Any notice provided for in this Security Instrument shall be deemed to have been given to Borrower or Lender when
given as provided in this paragraph.
15. Governing Law;Severability. This Security Instrument shall be governed by federal law and the law of the
jurisdiction in which the Property is located. In the event that any provision or clause of this Security Instrument or the
Note conflicts with applicable law, such conflict shall not affect other provisions of this Security Instrument or the Note
which can be given effect without the conflicting provision. To this end the provisions of this Security Instrument and
the Note are declared to be severable.
16. Borrower's Copy. Borrower shall be given one conformed copy of the Note and of this Security Instrument.
17. Transfer of the Property or a Beneficial Interest in Borrower. If all or any part of the Property or any interest
in it is sold or transferred(or if a beneficial interest in Borrower is sold or transferred and Borrower is not a natural
person)without Lender's prior written consent, Lender may, at its option, require immediate payment in hull of all sums
secured by this Security Instrument. However, this option shall not be exercised by Lender if exercise is prohibited by
federal law as of the date of this Security Instrument.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall provide a period
of not less than 30 days from the date the notice is delivered or mailed within which Borrower must pay all sums secured
by this Security Instrument. If Borrower fails to pay these sums prior to the expiration of this period, Lender may invoke
any remedies permitted by this Security Instrument without further notice or demand on Borrower.
BOUKiJ-LtiFAUFp j�
PENNSYLVANIA-SINGLE FAMILY--FNMAlFRLMC UNIFORM INSTRUMENT Y `� FORM 3039 9190
1SC/CMDIPAl/039173039(9.90)-L PAGE 4 OF 6
LOAN NO. 0502450955
18. Borrower's Right to Reinstate. If Borrower meets certain conditions, Borrower shall have the right to have
enforcement of this Security Instrument discontinued at any time prior to the earlier of: (a) 5 days(or such other period
as applicable law may specify for reinstatement)before sale of the Property pursuant to any power of sale contained in
this Security Instrument•, or(b)entry of a judgment enforcing this Security Instrument. Those conditions are that
Borrower: (a)pays Lender all sums which then would be due under this Security Instrument and the Note as if no
acceleration had occurred; (b)cures any default of any other covenants or agreements; (c)pays all expenses incurred
in enforcing this Security Instrument, including,but not limited to, reasonable attorneys' fees; and(d)takes such action
as Lender may reasonably require to assure that the lien of this Security Instrument, Lender's rights in the Property and
Borrower's obligation to pay the sums secured by this Security Instrument shall continue unchanged. Upon
reinstatement by Borrower, this Security Instrument and the obligations secured hereby shall remain fully effective as if
no acceleration had occurred. However, this right to reinstate shall not apply in the case of acceleration under
paragraph 17.
19. Sale of Note; Change of Loam Servicer.
The Note or a partial interest in the Note(together with this Security Instrument)may be sold one or more times
without prior notice to Borrower. A sale may result in a change in the entity(known as the "Loan Servicer")that collects
monthly payments due under the Note and this Security Instrument. There also may be one or more changes of the
Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer,Borrower will be given written
notice of the change in accordance with paragraph 14 above and applicable law. The notice will state the name and
address of the new Loan Servicer and the address to which payments should be made. The notice will also contain any
other information required by applicable law.
20. Hazardous Substances. Borrower shall not cause or permit the presence, use, disposal, storage,or release
of any Hazardous Substances on or in the Property. Borrower shall not do,nor allow anyone else to do,anything
affecting the Property that is in violation of any Environmental Law. The preceding two sentences shall not apply to the
presence,use, or storage on the Property of small quantities of Hazardous Substances that are generally recognized to
be appropriate to normal residential uses and to maintenance of the Property.
Borrower shall promptly give Lender written notice of any investigation, claim, demand, lawsuit or other action by
any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or
Environmental Law of which Borrower has actual knowledge. If Borrower learns,or is notified by any governmental or
regulatory authority, that any removal or other remediation of any Hazardous Substance affecting the Property is
necessary,Borrower shall promptly take all necessary remedial actions in accordance with Environmental Law.
As used in this paragraph 20, "Hazardous Substances" are those substances defined as toxic or hazardous
substances by Environmental Law and the following substances: gasoline,kerosene, other flammable or toxic
petroleum products, toxic pesticides and herbicides,volatile solvents,materials containing asbestos or formaldehyde,
and radioactive materials. As used in this paragraph 20, "Environmental Law"means federal laws and laws of the
jurisdiction where the Property is located that relate to health,safety or environmental protection.
NON-UNIFORM COVENANTS. Borrower and Lender further covenant and agree as follows:
21. Acceleration;Remedies. Lender shall give notice to Borrower prior to acceleration following Borrower's
breach of any covenant or agreement in this Security Instrument(but not prior to acceleration under paragraph
1.7 unless applicable law provides otherwise). Lender shall notify Borrower of,among other things: (a)the
default; (b)the action required to cure the default; (c)when the default must be cured;and(d)that failure to cure
the default as specified may result in acceleration of the sums secured by this Security Instrument,foreclosure
by judicial proceeding and sale of the Property. Lender shall further inform Borrower of the right to reinstate
after acceleration and the right to assert in the foreclosure proceeding the non-existence of a default or any other
defense of Borrower to acceleration and foreclosure. If the default Is not cured as specified, Lender at its option
may require immediate payment in full of all sums secured by this Security Instrument without further demand
and may foreclose this Security Instrument by judicial proceeding. Lender shall be entitled to collect all
expenses incurred in pursuing the remedies provided in this paragraph 21,including, but not limited to,
attorneys'fees and costs of title evidence to the extent permitted by applicable law.
22. Release. Upon payment of all sums secured by this Security Instrument, this Security Instrument and the
estate conveyed shall terminate and become void. After such occurrence, Lender shall discharge and satisfy this
Security Instrument without charge to Borrower. Borrower shall pay any recordation costs.
23. Waivers. Borrower, to the extent permitted by applicable law, waives and releases any error or defects in
proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or future Laws providing
for stay of execution, extension of time, exemption from attachment, levy and sale, and homestead exemption.
80UX1,512PAGE, 684
PENNSYLVM7A--SINGLE FAMILY-FN'MA/FHLMC UN1F0R'1t INSTRIMENT FORM 36399190
,or,r,mmo♦"AID,IIMOro..mvi PArr.5 OF 6
LOAN NO. 0502450955
24. Reinstatement Period. Borrower's time to reinstate provided in paragraph 18 shall extend to one hour prior to
die commencement of bidding at a sheriffs sale or other sale pursuant to this Security Instrument.
25. Purchase Money Mortgage. If any of the debt secured by this Security Instrument is lent to Borrower to
acquire title to the Property, this Security Instrument shall be a purchase money mortgage.
26. Interest Rate After Judgment. Borrower agrees that the interest rate payable after a judgment is entered on
the Note or in an action of mortgage foreclosure shall he the rate payable from time to time under the Note.
27. Riders to this Security Instrument.
If one or more riders are executed by Borrower and recorded together with this Security Instrument,the covenants and
agreements of each such rider shall be incorporated into and shall amend and supplement the covenants and
agreements of this Security Instrument as if the rider(s)were a part of this Security Instrument. [Check applicable
box(es)]
El Adjustable Rate Rider ❑Condominium Rider ❑1--4 Family Rider
❑Graduated Payment Rider ❑Planned Unit Development Rider ❑Biweekly Payment Rider
❑Balloon Rider El Rate Improvement Rider El Second Home Rider
®Other(s) [specify] Legal Description
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security
Instrument and in any rider(s)executed by Borrower and recorded with it.
Witnesses>7
Ann H Fry a°
Social Security Number 050-24-5095
(Seal) (Seat)
Social Security Number Social Security Number
(Seal)
-Bo u
Social Security Number
[Space Below This Line For Admowledgmentl
Certificate of Residence
I, i TS f //r J� jtr c i f do hereby certify that the correct address of the within-named
Mortgtfgee is 1 Credit Union Place, Harrisburg, PA 117110. [ L
Witness my hand this y Pt- day of
` Agent of Mortgagee
COMMONWEALTH OF PENNSYLVANIA,J County ss:
On this,the �?/ I( day of me, the undersigned officer,personally appeared
Ann H Fry
known to me(or satisfactorily proven)to be the person whose name /s subscribed to the within instrument and
acknowledged that iw/she executed the same for the purposes herein contained.
IN WITNESS WHEREOF, I hereunto set my hand and official seal. ;-f
My Commission expires. NOTARIAL SEAL !
RACHELLE R.SCHREIBER,Notary Public r
Derry I".,Dauphin County
My Commission Expires March 5 2401
Title of offices ,. .
BOOK 4 :i4 GF, 685
PENNSYLVANIA—SINGLE.FAMILY—FNMA/FHLMC UNIFORM INSTRUMENT FORM 3$39 9196
ISC 1CMDTPA//039113039(9-90)-L PAGE,6 OF 6 '
3/27113 Please reuewthe enclosed proposal for nw1osting}our pxopertytkrat ym requested
From:bob.foster<bob.foster @jgr.com>
To:dolansnpa<dolansnpa @aol.com>
Subject: Please review the enclosed proposal for marketing your propenythat you requested
Date: Nbn, Mar 25,2013 5:14 pm
Reviewed the market in the Country Club Hills development with ranch style homes. One home sold and two homes
are presently waiting to be settled between March 29th-April 18, 2011 The subject has already gone through many
up-dates and lam aware that more improvements are being finished.
I believe that the Ann Fry home should be now be Marketed between $220,000 and $229,000
To view my presentation, Click He . If the PDF does not open, Right Click Here and choose Open. (This proposal
will expire on 4/2412013 and will not be viewable after that date.)
Sincerely,
Bob Foster, Associate Broker, GRI
Agent, REALTOR®
rrad.ad.cmV37605-it 1tad-6A�ustrrdl/Prirtmessage.aspx 1/1