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HomeMy WebLinkAbout04-05-13 J 1505610143 J REV-1500 Ex(02-11) ' OFFICIAL USE ONLY PA Department of Revenue pennsylvania County Code Year File Number Bureau of Individual Taxes DEPARTMENT OF REVENUE Po 60x.280601 INHERITANCE TAX RETURN 21 12 0906 Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 179 12 3405 08 03 2012 03 23 1913 Decedent's Last Name Suffix Decedent's First Name MI EVINGER RUTH E (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 5. Federal Estate Tax Return Required (date of death after 12-12-82) 8 Decedent Died Testate 7 e e deGOMaintained a Living Trust 1 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) pY 9. Litigation Proceeds Received 10.b ou enP2�er% andt(Datgso f Death 11,Election to tax under Sec.9113(A) (Attach Schedule O) CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number JAMES D BOGAR (717) 737 8761 REGISTER OF WILLS USE ONLY First Line of Address C� w rn n ONE WEST MAIN STREET w M Second Line of Address D r- f"l M City r Post Office 17 E FILM 0 tY State ZIP Code , —r; ._3 -ter SHIREMANSTOWN PA 17011 :o CIO t=- M a o ..� Correspondent's e-mail address: 1 bo ar g @ b 9 arlaw.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 PERSON RESPONSIBLE FOR FILING RETURN DATE James D. Bogar ADDRESS One West Main Street, Shiremanstown, PA 17011 SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE DATE James D. Bogar ADDRESS One West Main Street, Shiremanstown, PA 17011 Side 1 1505610143 1505610143 J 1505610243 REV-1500 EX Decedent's Social Security Number Decedent's Name: Evinger, Ruth E. 179 12 3405 RECAPITULATION 1. Real Estate(Schedule A)....................................................................................... 1 152f187 . 00 2. Stocks and Bonds(Schedule B)............................................................................. 2. 327 , 632 . 08 3. Closely Held Corporation, Partnership or Sole-Proprietorship(Schedule C)......... 3. 4. Mortgages&Notes Receivable(Schedule D)........................................................ 4. 5. Cash,Bank Deposits&Miscellaneous Personal Property(Schedule E)............... 5. 2f252f726. 26 6. Jointly Owned Property(Schedule F) 1:1 Separate Billing Requested............ 6. 7. 1 nter-Vivos Transfers&Miscellaneous Non-Probate Property (Schedule G) [_1 Separate Billing Requested............ 7. 80 , 357 . 27 8. Total Gross Assets(total Lines 1 through 7)........................................................ 8. 2 , 812 , 902 . 61 9. Funeral Expenses and Administrative Costs(Schedule H).................................... 9. 155, 370 . 99 10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule 1)............................ 10. 11. Total Deductions(total Lines 9 and 10)..... ....... .................................................. 11. 155 , 370 99 12. Net Value of Estate(Line 8 minus Line 11).......................................................... 12. 2 , 657 , 531 62 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made(Schedule J)............................................... 13. 897 , 330 59 14. Net Value Subject to Tax(Line 12 minus Line 13)............................................... 14. 1 , 760 ,201 03 TAX COMPUTATION-SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate,or transfers under See.9116 0 . 00 (a)(1.2)X.00 15. 16. Amount of Line 14 taxable 0 . 00 16. 0 . 00 at lineal rate X .045 17. Amount of Line 14 taxable at sibling rate X.12 0 . 00 17. 0 . 00 18. Amount of Line 14 taxable at collateral rate X.15 1 , 760 ,201 . 03 18. 264 , 030 . 15 19. TAX DUE................................................................................................................ 19. 264 , 030 . 15 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. FRI Side 2 1505610243 1505610243 REV-1500 EX Page 3 File Number 21-12-0906 Decedent's Complete Address: DECEDENT'S NAME Evinger, Ruth E. STREET ADDRESS 1802 Anna Street CITY STATE ZIP New Cumberland PA 17070 Tax Payments and Credits: 1. Tax Due(Page 2,Line 19) (1) 264,030.15 2. Credits/Payments A. Prior Payments 268,850.00 B. Discount 13,201.51 Total Credits(A +B) (2) 282,051.51 3. Interest (3) 4. If Line 2 is greater than Line 1 +Line 3,enter the difference. This is the OVERPAYMENT. (4) 18,021.36 Check box on Page 2,Line 20 to request a refund 5. If Line 1 +Line 3 is greater than Line 2,enter the difference. This is the TAX DUE. (5) Make Check Pa able 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;........................................................................... 11 b. retain the right to designate who shall use the property transferred or its income;................................. ❑ ❑0 c. retain a reversionary interest;or..,............................................................................................................ ❑ _I d. receive the promise for life of either payments,benefits or care?............................................................ ❑ LX_j 2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death without receivingadequate consideration?.................................................................................................................... ❑ 3. Did decedent own an"in trust for" or payable 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 containsa beneficiary designation?..................................................................-.............................................. R ❑ 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 January 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(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)]. A sibling is defined under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption. 48500041046 REV-485 EX(05-04) SAFE DEPOSIT - BOX INVENTORY PA Department of Revenue PLEASE USE ORIGINAL FORM ONLY Social Security or Death Certificate Number Date of Death County Code Year File Number 179-12-3405 08/03/2012 21 12 0906 Decedent's Last Name Suffix First Name MI Evinger Ruth E ©ADDRESS OF DECEDENT STREET: CITY: STATE: ZIP CODE: 1802 Anna Street New Cumberland PA 17070 NAME AND ADDRESS OF PERSON REQUESTING THE OPENING OF THE SAFE DEPOSIT BOX NAME: James D. Bogar STREETADDRESS: CITY: STATE: ZIP CODE: 1 West Main Street Shiremanstown PA 17011 NAME,ADDRESS AND RELATIONSHIP(IF ANY)TO DECEDENT,OF PERSON(S)PRESENT AT THE BOX OPENING a. NAME: RELATIONSHIP: Names D. Bogar Executor STREETADDRESS: CITY: STATE: ZIP CODE: 1 West Main Street Shiremanstown PA 17011 b. NAME: RELATIONSHIP: STREETADDRESS: CITY: STATE: ZIP CODE: e, NAME: RELATIONSHIP: STREETADDRESS: CITY: STATE: ZIP CODE: NAME AND ADDRESS OF FINANCIAL INSTITUTION WHERE THE SAFE DEPOSIT BOX IS LOCATED NAME: PNC Bank - Cedar Cliff Branch STREETADDRESS: CITY: STATE: ZIP CODE: 1104 Carlisle Road Camp Hill PA 17011 13NAME OF PERSO MAKING LAST ENTRY DATE AND TIME OF LAST ENTRY DATE OF CONTRACT TO RENT BOX 0 UMBER OF BOX I TITLE UNDER WHICH BOX IS REQUESTED 1 10Z 366 . av�% NAME AND ADD1ReE'SS OF PERSON(S){HA�VIN)G ACCESS TO BOX )�c7, a. NAME:.i tC- - ul/Csy Qf Jii �IL k�11' b. NAME: STREETADDRESS: 1 r� r' STREETADDRESS: CITY ) ^ J ST �ZI ZIP t�E: CITY: STATE: ZIP CODE: l ( I C NAME AND TITLE dF EMPLOYEE TAKING THE INVENTORY WAS A WILL IN THE BOX? ❑ YES Q'NO If yes, a. Date of will: b. Name and address of personal representative,if named in the will NAME: STREET ADDRESS: CITY: STATE: ZIP CODE: c. Name and address of attorney,if any NAME: STREET ADDRESS: CITY: STATE: ZIP CODE: 48500041046 48500041046 REV-485 EX SAFE DEPOSIT BOX INVENTORY Page of J INSTRUCTIONS (1) Cash:Report total only. (2) Stocks:List in detail every common or preferred certificate,warrant or other rights found in box.Stocks are to be designated by name of company,certificate number,date of certificate,name in which stock is registered,and number of shares and class of stock. (3) Obligations of U.S. Government: Number of items,date of issue,face value,names in which registered and type of ownership, i.e.,jointly held,payable on death,etc. (4) Bonds:Designate by name,amount,serial number,or other designation.(Bearer Bonds) (5) Bank and Savings and Loan Passbooks: State name of depositor,number of book,last date appearing in book,name of bank and branch,and balance. (6) Jewelry,Coins,Stamps,Manuscripts,etc:List and describe as fully as possible. (7) Deeds,Mortgages,Current Insurance Policies or other evidences of indebtedness: List and describe as fully as possible. (8) All other contents. (9) Return completed form to: DEPARTMENT OF REVENUE INHERITANCE TAX DIVISION DEPT.280601 HARRISBURG,PA 17128-0601 ITEM NO. ITEM DESCRIPTION PSG '3t Z.� 1 3 t ZCIO 7 C?��" ; " ' 4. 311C9-07I4 -7 (.!-b_ spy 0 14 0-7 Z3� > I)I- of 08 a 4ti7 i (LEA S r I CERTIFY UNDER PENALTY OF PERJURY THAT THE ABOVE RECORD IS PERSON RECEIVING COPY OF CORRECT AND COMPLETE TO THE BEST OF MY KNOWLEDGE AND BELIEF. SAFE D POSIT OX INVENTORY- SIGN SIGNAT RE PRINT AME dd��q�.� //`` PRINT NAME AND APPROPRIATE BO Y BELOW: PRINT TITLE DATE CHECK APPROPRIATE BOX: ❑Executor(trix) Adminssi ator(i x) 5` ' Estate Representative 7 Joint owner of safe deposit box P NOTE:Attach additional 8112"x 11"sheet(s) if necessary or use duplicates of this page of form. The Department is authorized by law,42 U.S.C.W5(c)(2)(C)(i),to require disclosure of Social Security numbers in connection with administering state tax laws,The Department uses the Social Security number to identify the decedent and personal representatives of the estate.The Commonwealth may also use the information in exchange of tax information agreements with Federal and local taxing authorities.The state law prohibits the Commonwealth's personnel from disclosing confidential tax information except for ofrlcial purposes. Rev-1502 EX+(01-10) SCHEDULE A pennsylvania REAL ESTATE DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Evinger, Ruth E. 21-12-0906 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 Include a copy of the deed showing decedent's interest if owned as tenant in common. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Real Estate-All that certain piece or parcel of real estate having thereon erected a dwelling 152,187.00 house being known and numbered as 1802 Anna Street, New Cumberland, Pennsylvania 17070. The property was acquired by Ruth E.Evinger and Elmer L. Evinger, by Deed dated May 31, 1979 and recorded June 8, 1979 in the Cumberland County Recorder of Deeds Office,a copy of which is attached hereto and incorporated herein. The said Elmer L. Evinger died March 16, 1998,whereupon full and complete title to the within described property became vested solely in Ruth E. Evinger,the decedent herein. The above- described real estate was sold pursuant to an Agreement of Sale for Real Estate dated September 9, 12012,a copy of which is attached hereto and incorporated herein. Final settlement took place on August OCtober 25,2012. A copy of the Deed conveying said real estate, along with a copy of the Settlement Sheet, are attached hereto and incorporated herein. The sale price of the real estate was$152,187.00. TOTAL(Also enter on Line 1, Recapitulation) 152,187.00 (If more space is needed,additional pages of the same size) Copyright(c)2010 form software only The Lackner Group, Inc. Form PA-1500 Schedule A(Rev.01-10) 201-CT—Warranty Deed—Short Form--Act 1809—Double Sheet Henry Hall, Inc., Indiana, Pa. MADE THE day of ", in the year of our Lord one thousand nine hundred and seventy-nine (1979) BETWEEN RUTH E. EVINGER, formerly Ruth E. Seibert, of the Borough of New Cumberland, County of Cumberland and State of Pennsylvania, Party of the first part, Grantor , and RUTH E. EVINGER and ELMER L. EVINGER, her husband, parties of the second part, as tenants by the entireties, Grantees WITNESSETH,that in consideration of ---------------------- One Dollar ($1.00) ------------------ V499", in hand paid,the receipt whereof is hereby acknowledged, the said grantor does hereby grant and convey to the said grantees, their heirs and assigns, ALL that certain lot or piece of ground with buildings and improvements thereon erected, situate in the Borough of New Cumberland, County of Cumberland, and State of Pennsylvania, being known as 1802 Anna Street and also known as Lot No. 64 of the Haldeman Plot, recorded in Cumber- land County Records, in Plan Book 2, Page 48, and being more fully bounded and described according to a plan of survey made by D. P. Raffensperger, Registered Surveyor, dated June 16, 1958, as follows: BEGINNING at a point on the Southwestern side of Anna Street fifty (50) feet wide) , said point being 75.59 feet northwardly of the intersection of the southwesterly side of Anna Street with the northwesterly side of Haldeman Avenue, also at the dividing line between Lots Nos. 64 and 65 on the hereinbefore mentioned Plan of Lots; thence along said dividing line south 55 degrees 16 minutes west 150 feet to a point on the northeastern side of a 20 foot wide alley; thence along the same north 34 degrees 44 minutes west 50 feet to a point at the dividing line between Lots Nos. 63 and 64 on said Plan; thence along the same north 55 degrees 16 minutes east 150 feet to a point on the southwestern side of An Street; thence along the same south 34 degrees 44 minutes east 50 feet to a point, the place of Beginning. BEING the same premises which Ruth E. Seibert, formerly Ruth E. Smith, by deed dated December 5, 1964, recorded in Deed Book L, Vol. 21, Page 66, Cumberland County Records, granted and conveyed unto Herbert C. Seibert and Ruth E. Seibert, husband and wife. The said Herbert C. Seibert having died, Ruth E. Seibert, now Ruth E. Evinger, intermarried with Elmer. E. Evinger. This deed is for the purpose of vesting title in Ruth E. Evinger and Elmer L. Evinger as tenants by the entireties. rn _ STERED 6Y THE JREGGI UH O F NEW CUMBERLAND 19'� 4; 0 c G C= 1 r C'= uG' SECRETARY �- Rr 28 876 And the said grantor hereby covenants and agree s that they will warrant generally the property hereby conveyed. IN WITNESS WHEREOF, said grantor hs hereunto set her hand and seal the day and year first above written. 7CUL-c SEAL in t4v Frtanwe of RUTH EVINGER .......... ASE L _.._._----ir_ _.._-_____.....�_. _ SEAS. State of PENNSYLVANIA ss. County of CUMBERLAND On this, the 3!-t day of V i 6 119 , before me, the undersigned officer,personally appeared Ruth E. Evinger; formerly Ruth E. Seibert, known to me (or satisfactorily proven) to be the person whose name is subscribed to the within instrument,and acknowledged that she executed same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and oy'ieial seal. s M NOTARII UB C = ! --- •--- =. op�p,ku. Gsnxinnd Caun'Title Of O•fjicer. State of ss. County of On this,the day of 119 before me, the undersigned officer,personally appeared known to me (or satisfactorily proven) to be the person whose name subscribed to the within instrument,and acknowledged that executed same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and offceial seal. --------------------------- SEA Title of Offleer. do hereby certify that the pree' e residence and complete post ogee address of the within named grantee is {}�, ,%',v-� • �, � ir~- �y��.���'I �� !'�� ,-,�� z9 Ii----- ' -------------- Boo Y 28 PACE 871 — Attorne y for -----•-°/ ----------------------------- u9pcooag °-------------------------------------------------------------------------- •u,d4y , aaogv ay aup `a5 pxro p fo` grog `s��,Vg--pxav puv?i Am tapun uaaa0 vv •-- - —----------- a6vd ----------(;�------ .pod zr goog paaa up`/quno0 ppvs ayp{o aa2go snap-toaag auk ua `-�6T 'Q �/ -------- -------------- ��� o vp ----�� sxzTg uo QffQg00g2I VINVA'l MOI1 MOD o z '.m Ly' .yam. m 0 m 0 A t+] C 1 L�7 t o d �Y m U1 L J �o N �' C m < n z m z d\ bi Q rt 0 y� a 0 Q' Z n z �C r STANDARD AGREEMENT FOR THE SALE OF REAL ESTATE ASR This form recommended and approved for,but not restricted to use by,the members of the Pennsylvania Association or IZEALTORSV(PAR). PARTIES BUYER(S):Natelle M Nebingex SELLER(S): Estate of Elmer & Ruth Evinger BUYER'S MAILING ADDRESS: SELLER'S MAILING ADDRESS: 317 11th Street, New Cumberland PA 17070 PROPERTY PROPERTY ADDRESS 1802 Anna Street, New Cumberland PA ZIP 17070 in the municipality of New Cumberland Borough County of Cumberland in the School District of West Shore School District ,in the Commonwealth of Pennsylvania. Identification(e.g.,Tax ID#;Parcel#;Lot,Block;Deed Book,Page,Recording Date):Parcel #26230543063 , Deed Book 0028L, page 00876 BUYER'S RELATIONSHIP WITH PA LICENSED BROKER ❑No Business Relationship(Buyer is not represented by a broker) Broker(Company) Prudential Romesale Services Licensees)(Name)Nicole Long-McCoy Group Company Address 3435 Market Street, Camp Hill, PA DirectPhone(s) (717)307-3137 17011 Cell Phone(s) (717)503-4316 Company Phone (717)761-7900 Fax - Company Fax (717)761-8837 Email along @prudentialhomesale.com Broker is: Licensee(s)is: Buyer Agent(Broker represents Buyer only) Buyer Agent with Designated Agency Dual Agent(See Dual and/or Designated Agent box below) ❑Buyer Agent without Designated Agency ❑Dual Agent(See Dual and/or Designated Agent box below) ❑Transaction Licensee(Broker and Licensee(s)provide Teal estate services but do not represent Buyer) SELLER'S RELATIONSHIP WITH PA LICENSED BROKER El No Business Relationship(Seller is not represented by a broker) Broker(Company)MC Walker Realty Licensee(s)(Name)Christine Walker Company Address 24 N Walnut Street, Mechanicsburg, PA DirectPhone(s) (717) 697-9487 17055 Cell Phone(s) (717)579-8554 Company Phone Fax Company Fax Email markwalkerrealty@gmail.com Broker is: Licensee(s)is: 91 Seller Agent(Broker represents Seller only) JZ]Seller Agent with Designated Agency ❑Dual Agent(See Dual and/or Designated Agent box below) ❑Seller Agent without Designated Agency ❑Dual Agent(See Dual and/or Designated Agent box below) Transaction Licensee(Broker and Licensee(s)provide Teal estate services but do not represent Seller) DUAL AND/OR DESIGNATED AGENCY A Broker is a Dual Agent when a Broker represents both Buyer and Seller in the same transaction.A Licensee is a Dual Agent when a Licensee represents Buyer and Seller in the same transaction.All of Broker's licensees are also Dual Agents UNLESS there are separate Designated Agents for Buyer and Seller.If the same Licensee is designated for Buyer and Seller,the Licensee is a Dual Agent. By signing this Agreement,Buyer and Seller each acknowledge having been previously informed of,and consented to,dual agency,if applicable. Buyer Initials: ASR Page I of 11 Seller Initials:_M/ Revised 1/12 COPYRIGHT PENNSYLVANIA ASSOCIATION OF REALTORS@ 2012 Pennsylvania Association of REALTORS* 1110 Prudential llomcsalc/Camp Hill 3435 flarkct Street Camp Hill,PA 17011 Pbonc;717-761-7900 3137 Fax: 717-761-8837 Transaction Sales Nicole Long-McCoy Produced with zipFormt byzipLogix 18070 Fifteen Mile Road,Fraser,Michigan 48026 wwwzipLoclix.com l 1. By this Agreement, dated September 9, 2012 , 2 Seller hereby agrees to sell and convey to Buyer,who agrees to purchase,the identified Property. PURCHASE PRICE AND DEPOSITS (1-10) f 4 A) Purchase Price$ $153 S-00 . 00 6 U.S.DoIlars),to be paid by Buyer as follows: 7 (I„1. Deposit at signin oft is Agreement: 8 2. Deposit within If -.days of the Execution Date of this Agreement: �! 4. Remaining balance will be paid at settlement. 11 (B) All funds paid by Buyer,including deposits,will be paid by check, cashier's check or vired funds. All funds paid by Buyer 12 within 30 DAYS of settlement, including funds paid at settlement, will be by cashier's check or wired funds,but not by per- 13 sonaIcheck. 14 (C) Deposits, regardless of the form of payment and the person designated as payee, will be paid in U.S. Dollars to Broker for Seller 15 (unless otherwise stated here: ), 16 who will retain deposits in an escrow account in conformity with all applicable laws and regulations until consummation or ter- 17 urination of this Agreement. Only real estate brokers are required to hold deposits in accordance with the rules and regulations of 18 the State Real Estate Commission. Checks tendered as deposit monies may be held uncashed pending the execution of this 19 Agreement. 20 3. SELLER ASSIST(If Applicable)(1-10) 21 Seller will pay$ or %of Purchase Price(0 if not specified)toward 22 Buyer's costs, as permitted by the mortgage lender, if any. Seller is only obligated to pay up to the amount or percentage which is 23 approved by mortgage lender. 24 4. SETTLEMENT AND POSSESSION(1-10) 2�5� t )(A} Settlement Date is October 25, 2012 ,or before if Buyer and Seller agree. 2A ) Settlement will occur i A� MAO SH12�Ai -a -70 11 during normal business hours, unless Buyer and Seiler agree otherwise. t 28 (C) At time of settlement, the following will be pro-rated on a daily basis between Buyer and Seiler, reimbursing where applicable: 29 current taxes (see Notice Regarding Real Estate Taxes); rents; interest on mortgage assumptions; condominium fees and home- 30 owner association fees; water and/or sewer fees, together with any other lienable municipal service fees. All charges will be pro- 31 rated for the period(s) covered. Seller will pay up to and including the date of settlement and Buyer will pay for all days follow- 32 ing settlement,unless otherwise stated here: 33 34 (D) Conveyance from Seller will be by fee simple deed of special warranty unless otherwise stated here: 35 36 (E) Payment of transfer taxes will be divided equally between Buyer and Seller unless otherwise stated here: 37 38 (F) Possession is to be delivered by deed, existing keys and physical possession to a vacant Property free of debris,with all structures 39 broom-clean, at day and time of settlement,unless Seller, before signing this Agreement, has identified in writing that the Property 40 is subject to a lease. 41 (G) If Seller has identified in writing that the Property is subject to a lease, possession is to be delivered by deed, existing keys and 42 assignment of existing leases for the Property,together with security deposits and interest,if any,at day and time of settlement.Seller 43 will not enter into any new leases, nor extend existing leases, for the Property without the written consent of Buyer. Buyer will 44 acknowledge existing lease(s)by initialing the lease(s) at the execution of this Agreement,unless otherwise stated in this Agreement. 45 ❑Tenant-Occupied Property Addendum(PAR Form TOP)is attached. 4b1 'DATES/TIME IS OF THE ESSENCE(1-10) 12,,. g ] A) Written acceptance of all parties will be on or before:September--�Y, 2012 Spur EST $ (B) The Settlement Date and all other dates and times identified for the performance of any obligations of this Agreement are of the 49 essence and are binding. S0 (C) The Execution Date of this Agreement is the date when Buyer and Seller have indicated full acceptance of this Agreement by sign- 51 ing and/or initialing it For purposes of this Agreement, the number of days will be counted from the Execution Date, excluding 52 the day this Agreement was executed and including the last day of the time period. All changes to this Agreement should be ini- 53 tialed and dated. 54 (D) The Settlement Date is not extended by any other provision of this Agreement and may only be extended by mutual written agree- 55 meat of the parties. 56 (E) Certain terns and time periods are pre-printed in this Agreement as a convenience to the Buyer and Seller. All pre-printed terms 57 and time periods are negotiable and may be changed by striking out the pre-printed text and inserting different terms acceptable 58 to all parties. 59 6. ZONING(1-10) 60 Failure of this Agreement to contain the zoning classification (except in cases where the property {and each parcel thereof, if subdi- 61 vidable) is zoned solely or primarily to pennit single=family dwellings) will render this Agreement voidable at Buyer's option, and, if 62 voided,any deposits tendered by the Buyer will be returned to the Buyer without any requirement for court action. 63 Zoning Classification: Residential 64 Buyer Initials:^frv,-/ ASR Page 2 of 11 Seiler Initials:e116 1 Revised 1112 Produced with zipForrnt by zipLcglx 18076 Fifteen Mile Road,Fraier,Michigan 49028 www.zioLc ix.com Transaction Sales 65 7. FIXTURES AND PERSONAL PROPERTY(1-10) 66 (A) INCLUDED in this sale are all existing items permanently installed in the Property, free of liens, and other items including 67 plumbing; heating; radiator covers; lighting fixtures (including chandeliers and ceiling fans); pool and spa equipment (including 68 covers and cleaning equipment); electric animal fencing systems (excluding collars); garage door openers and transmitters; tele- 69 vision antennas; unpotted shrubbery, plantings and trees; any remaining heating and cooking fuels stored on the Property at the 70 time of settlement; smoke detectors and carbon monoxide detectors; sump pumps; storage sheds; fences; mailboxes; wall to wall 71 carpeting; existing window screens, storm windows and screen/storm doors; window covering hardware, shades and blinds; 72 awnings; built-in air conditioners; built-in appliances; the range/oven, unless otherwise stated; and, if owned, water treatment Sys- 73 tems,propane tanks,satellite dishes and security systems.Also included: Rance, Refrigerator, Washer, Drper 74 75 (B) The following items are LEASED (not owned by Seller). Contact the provider{vendor for more information (e.g., water treatment 76 systems,propane tanks,satellite dishes and security systems): 77 (C) EXCLUDED fixtures and items: 78 79 8. MORTGAGE CONTINGENCY(1-10) 80 © WAIVED. This sale is NOT contingent on mortgage financing, although Buyer may obtain mortgage financing and/or the par- 81 ties may include an appraisal contingency. 82 ® ELECTED. 83 (A) This sale is contingent upon Buyer obtaining mortgage financing according to the following terms; 84 First Mortgage on the Property Second Mortgage on the Property 85 LoanAmount$120,000.0 0 LoanAmaunt$ 86 Minimum Term 30 years Minimum Tenn years 87 Type of mortgage conventional Type of mortgage 88 Loan-To-Value(LTV)ratio: Loan-To-Value(LTV)ratio: 89 For non-FHANA loans LTV ratio not to exceed % For non-FHANA loans LTV ratio not to exceed % 90 Mortgage lender Wells Fargo Mortgage lender 91 92 Interest rate 3.600 %;however,Buyer agrees to accept the Interest rate %;however,Buyer agrees to accept the 93 interest rate as may be committed by the mortgage lender,not tc interest rate as may be committed by the mortgage lender,not to 94 exceed a maximum interest rate of 4.000 %. exceed a maximum interest rate of %. 95 Discount points, loan origination, loan placement and other fees Discount points, loan origination, loan placement and other fees 96 charged by the lender as a percentage of the mortgage loan(exclud- charged by the lender as a percentage of the mortgage loan(exclud- 97 in-,any mortgage insurance premiums or VA funding fee) not to ing any mortgage insurance premiums or VA funding fee) not to 98 exceed %(0%if not specified)of the mortgage loan. exceed V10(0%if not specified)of the mortgage loan. 99 (B) The interest rate(s) and fee(s) provisions in Paragraph 8(A) are satisfied if the mortgage lender(s) gives Buyer the right to guar- 100 antee the interest rate(s) and fee(s) at or below the maximum levels stated. If lender(s) gives Buyer the right to lock in the inter- 101 est rate(s),Buyer will do so at least 15 days before Settlement Date.Buyer gives Seller the right,at Seller's sole option and 102 as permitted by law and the mortgage lender(s), to contribute financially, without promise of reimbursement, to the Buyer and/or 103 the mortgage lender(s)to make the above mortgage term(s)available to Buyer. 104 (C) Within days (7 if not specified) from the Execution Date of this Agreement, Buyer will make a completed, written mort- 105 gage application (including payment for and ordering of appraisal and credit reports without delay, at the time required by 106 lender(s)) for the mortgage terms and to the mortgage lender(s) identified in Paragraph 8(A), if any, otherwise to a responsible 107 mortgage lender(s) of Buyer's choice. Broker for Buyer, if any, othenvise Broker for Seller, is authorized to communicate with 108 the mortgage lender(s)to assist in the mortgage loan process. 109 (D) Buyer will be in default of this Agreement if Buyer furnishes false information to anyone concerning Buyer's financial 110 and/or employment status, fails to cooperate in good faith with processing the mortgage loan application (including delay I I I of the appraisal), fails to lock in interest rate(s) as stated in Paragraph 8(B), or otherwise causes the lender to reject, refuse 112 to approve or issue a mortgage loan commitment. 113 (E) 1. Mortgage Commitment Date: October 10, 2012 Upon receiving a mortgage commitment,Buyer will 114 promptly deliver a copy of the commitment to Seller. 115 2. If Seller does not receive a copy of the mortgage commitment(s) by the Mortgage Commitment Date, Seller may terminate 116 this Agreement by written notice to Buyer. Seller's right to terminate continues until Buyer delivers a mortgage commitment 117 to Seller.Until Seller terminates this Agreement,Buyer is obligated to make a good-faith effort to obtain mortgage financing. 118 3. Seller may terminate this Agreement by written notice to Buyer after the Mortgage Commitment Date if the mortgage commitment: 119 a. Does not satisfy the terns of Paragraph 8(A),OR 120 b. Contains any condition not specified in this Agreement (e.g., the Buyer must settle on another property, an appraisal must 121 be received by the lender,or the mortgage commitment is not valid through the Settlement Date)that is not satisfied and/or 122 removed in writing by the mortgage lender(s)within 7 DAYS afler the Mortgage Corr nitment Date in Paragraph 123 8(E)(1), or any extension thereof, other than those conditions that are customarily satisfied at or near settlement (e.g., 124 obtaining insurance,confirming employment). 125 4. If this Agreement is terminated pursuant to Paragraphs 8(E)(2) or (3), or the mortgage loan(s) is not obtained for settlement, 126 all deposit monies will be returned to Buyer according to the terms of Paragraph 23 and this Agreement will be VOID. Buyer 127 will be responsible for any costs incurred by Buyer for any inspections or certifications obtained according to the terms of 128 this Agreement, and any costs incurred by Buyer for: (1) Title search, title insurance and/or mechanics' lien insurance, or any 129 fee for cancellation; (2) Flood insurance, fire insurance, hazard insurance, mine subsidence insurance, or any fee for cancel- 130 lation;(3)Appraisal fees and charges paid in advance to mortgage lender(s). 131 Buyer Initials:,-N(l\k i ASR Page 3 of 11 Seller Initials: t Revised 1/12 Produced with zipFormfl by zipLogix t B070 Fifteen Mile Road,Fraser,Michigan 48026 xtiwa.zioLooix.com Transaction Sales 132 (F) If the mortgage lender(s), or a property and casualty insurer providing insurance required by the mortgage lender(s), requires 133 repairs to the Property,Buyer will,upon receiving the requirements,deliver a copy of the requirements to Seller.Within 5 I34 DAYS of receiving the copy of the requirements, Seller will notify Buyer whether Seller will make the required repairs at Seller's 135 expense. 136 1. If Seller makes the required repairs to the satisfaction of the mortgage lender and/or insurer, Buyer accepts the Property and 137 agrees to the RELEASE in Paragraph 25 of this Agreement. 13S 2. If Seller will not make the required repairs,or if Seller fails to respond within the stated time,Buyer will,within 5 139 DAYS,notify Seller of Buyer's choice to: 140 a. Make the repairs/improvements at Buyer's expense, with permission and access to the Property given by Seiler, which 141 will not be unreasonably withheld,OR 142 b. Terminate this Agreement by written notice to Seller, with all deposit monies returned to Buyer according to the terms of 143 Paragraph 23 of this Agreement. 144 If Buyer fails to respond within the time stated in Paragraph 8(F)(2) or fails to terminate this Agreement by written notice 145 to Seller within that time,Buyer will accept the Property and agree to the RELEASE in Paragraph 25 of this Agreement. 146 FHA/VA,IF APPLICABLE 147 (G) It is expressly agreed that notwithstanding any other provisions of this contract, Buyer will not be obligated to complete the pur- 148 chase of the Property described herein or to incur any penalty by forfeiture of earnest money deposits or otherwise unless Buyer 149 has been given, in accordance with HUD/FHA or VA requirements, a written statement by the Federal Housing Commissioner, 150 Veterans Administration, or a Direct Endorsement Lender setting forth the appraised value of the Property of not less than 151 S (the Purchase Price as stated in this Agreement).Buyer will have the privilege and option of 152 proceeding with consummation of the contract without regard to the amount of the appraised valuation. The appraised valuation 153 is arrived at to determine the maximum mortgage the Department of Housing and Urban Development will insure. HUD does 154 not warrant the value nor the condition of the Property. Buyer should satisfy himself/herself that the price and condition of the 155 Property are acceptable. 156 Warning: Section 1010 of Title 18, U.S.C., Department of Housing and Urban Development and Federal Housing 157 Administration Transactions, provides, "Whoever for the purpose of . . . influencing in any way the action of such Department, 158 makes, passes, utters or publishes any statement, knowing the same to be false shall be fined under this title or imprisoned not 159 more than two years,or both." 160 (H) U.S. Department of Housing and Urban Development (HUD) NOTICE TO PURCHASERS: Buyer's Acknowledgement 161 ❑ Buyer has received the HUD Notice "For Your Protection: Get a Home Inspection." Buyer understands the importance of 162 getting an independent home inspection and has thought about this before signing this Agreement. Buyer understands that 163 FHA will not perform a home inspection nor guarantee the price or condition of the Property. 164 (I) Certification We the undersigned, Seller(s) and Buyer(s) party to this transaction each certify that the terms of this contract 165 for purchase are true to the best of our knowledge and belief, and that any other agreement entered into by any of these parties 166 in connection with this transaction is attached to this Agreement. 167 9. CHANGE IN BUYER'S FINANCIAL STATUS(3-11) 168 In the event of a change in Buyer's financial status affecting Buyer's ability to purchase, Buyer shall promptly notify Seller and 169 lender(s) to whom the Buyer submitted mortgage application, if any. A change in financial status includes, but is not limited to, loss 170 or a change in employment; failure or loss of sale of Buyer's home; Buyer's having incurred a new financial obligation; entry of a 171 judgment against Buyer. Buyer understands that applying for and/or incurring an additional financial obligation may affect 172 Buyer's ability to purchase. 173 10.SELLER REPRESENTATIONS(1-10) 174 (A) Radon Testing and Remediation(See Notice Regarding Radon) 175 Seller has no knowledge about the presence or absence of radon unless checked below: 176 ❑ 1. Seller has knowledge that the Property was tested on the dates and by the methods (e.g. charcoal canister, alpha track, I77 etc.),which produced the results indicated below: 178 Date Type of Test Results(picoCuries/liter or working levels) Name of Testing Service 179 180 181 ❑ 2. Seller has knowledge that the Property had radon removal system(s)installed as indicated below: 182 Date Installed Type of System Provider 183 184 185 Copies of all available test reports will be delivered to Buyer with this Agreement.Seller does not warrant the meth- 186 ods or the results of radon tests. 187 (B) Status of Water 188 Seller represents that the Property is served by: 189 ® Public Water ❑ Community Water ❑ On-site Water ❑ None ❑ 190 (C) Status of Sewer 191 Seller represents that the Property is served by: 192 ® Public Sewer ❑ Community Sewage Disposal System ❑ Ten-Acre Permit Exemption(see Sewage Notice 2) 193 ❑ Individual On-lot Sewage Disposal System(see Sewage Notice 1) ❑ Holding Tank(see Sewage Notice 3) 194 ❑ Individual On-lot Sewage Disposal System in Proximity to Well(see Sewage Notice 1;see Sewage Notice 4, if applicable) 195 ❑ None(see Sewage Notice 1) ❑ None Available/Permit Limitations in Effect(see Sewage Notice 5) 196 ❑ 197 Buyer Initials:., ASR Page 4 of 11 Seller Initials: / Revised 1/12 Produced with zipForTn(D by zipLogiz 18070 Fifteen Mile Road,Fraser,Michigan 48026 w ,zioLoaiz.com Transaction Sales 198 (D) Historic Preservation 199 Seller is not aware of historic preservation restrictions regarding the Property unless othenvise stated here: 200 201 (E) ❑ Property, or a portion of it, is preferentially assessed for tax purposes under the following Act(s) (see Notices Regarding Land 202 Use Restrictions): 203 ❑ Farmland and Forest Land Assessment Act(Clean and Green Program;Act 319 of 1974;72 P.S. §5490.1 et seq.) 204 ❑ Open Space Act(Act 442 of 1967;32 P.S. § 5001 et seq.) 205 ❑ Agricultural Area Security Law(Act 43 of 1951;3 P.S. §901 et seq.) 206 ❑ Other 207 (F) Seller represents that, as of the date Seller signed this Agreement, no public improvement, condominium or homeowner associa- 208 tion assessments have been made against the Property which remain unpaid, and that no notice by any government or public 209 authority has been served upon Seller or anyone on Seller's behalf,. including notices relating to violations of zoning, housing, 210 building, safety or fire ordinances that remain uncorrected, and that Seller knows of no condition that would constitute a viola- 211 tion of an),such ordinances that remain uncorrected,unless othenvise specified here: 212 213 (G) Seller knows of no other potential notices(including violations)and/or assessments except as follows: 214 215 (H) Access to a public road may require issuance of a highway occupancy permit from the Department of Transportation. 216 11.WAIVER OF CONTINGENCIES(9-05) 217 If this Agreement is contingent on Buyer's right to inspect and/or repair the Property, or to verify insurability, environmental 218 conditions, boundaries, certifications, zoning classification or use, or any other information regarding the Property, Buyer's 219 failure to exercise any of Buyer's options within the times set forth in this Agreement is a WAIVER of that contingency and 220 Buyer accepts the Property and agrees to the RELEASE in Paragraph 25 of this Agreement. 221 12. INSPECTIONS(1-10)(See Notices Regarding Property and Environmental Inspections) 222 (A) Rights and Responsibilities 223 1. Seller will provide access to insurers' representatives and, as may be required by this Agreement or by mortgage lender(s), to 224 surveyors,municipal officials,appraisers and inspectors.All parties and their real estate licensee(s)may attend any inspections. 225 2. Buyer may make a pre-settlement walk-through inspection of the Property. Buyer's right to this inspection is not waived by 226 any other provision of this Agreement. 227 3. Seller will have heating and all utilities(including fuel(s))on for all inspections/appraisals. 228 4. All inspectors,including home inspectors,are authorized by Buyer to provide a copy of any inspection Report to Broker for Buyer. 229 5. Seller has the right,upon request,to receive a free copy of any inspection Report from the party for whom it was prepared. 230 (B) Buyer waives or elects at Buyer's expense to have the following Inspections, certifications, and investigations (referred to as 231 "Inspection" or "Inspections") performed by professional contractors, home inspectors, engineers; architects and other properly 232 licensed or otherwise qualified professionals. If the same inspector is inspecting more than one system, the inspector must com- 233 ply with the Home Inspection Law.(See Notice Regarding the Home Inspection Law) 234 (C) For elected Inspection(s), Buyer will, within the Contingency Period(s) stated in Paragraph 13(A), complete Inspections, obtain any 235 Inspection Reports or results (referred to as '`Report" or "Reports"), and accept the Property, terminate this Agreement, or submit a 236 Written Corrective Proposal(s)to Seller,according to the terms of Paragraph 13(B). 237 Home/Property Inspections and Environmental Hazards(mold,etc.) 238 Elected Buyer may conduct an inspection of the Property's structural components; roof. exterior windows and exterior Waived 239 _1 '/ doors;exterior siding,Exterior Insulation and Finish Systems,fascia,gutters and downspouts;swimming pools,hot / 240 tubs and spas;appliances;electrical systems;interior and exterior plumbing;public sewer systems;heating and cool- 241 ing systems; water penetration; electromagnetic fields; wetlands and flood plain delineation- structure square 242 footage;mold and other environmental hazards(e.g.,fungi, indoor air quality, asbestos,underground storage tanks, 243 etc.);and any other items Buyer may select.If Buyer elects to have a home inspection of the Property,as defined in 244 the Home Inspection Law,the home inspection must be performed by a full member in good standing of a national 245 home inspection association,or a person supervised by a full member of a national home inspection association, in 246 accordance with the ethical standards and code of conduct or practice of that association,or by a properly licensed 247 or registered engineer or architect.(See Notice Regarding the Home Inspection Law) 248 Wood Infestation 249 Elected Buyer may obtain a written"Wood-Destroying Insect Infestation Inspection Report" from an inspector certified as Waived 250 11� / a wood-destroying pests pesticide applicator and will deliver it and all supporting documents and drawings provid- / 251 7— ed by the inspector to Seller.The Report is to be made satisfactory to and in compliance with applicable laws,mort- 252 gage lender requirements,and/or Federal Insuring and Guaranteeing Agency requirements. The Inspection is to be 253 limited to all readily-visible and accessible areas of all structures on the Property, except fences. If the Inspection 254 reveals active infestation(s),Buyer; at Buyer's Expense, may obtain a Proposal from a wood-destroying pests pes 255 ticide applicator to treat the Property.If the Inspection reveals damage from active or previous infestation(s),Buyer 256 may obtain a written Report from a professional contractor, home inspector or structural engineer that is limited to 257 structural damage to the Property caused by wood-destroying organisms and a Proposal to repair the Property. 258 Water Service 259 Elected Buyer may obtain an Inspection of the quality and quantity of the water system from a properly licensed or othenvise Waived 260 / qualified water/well testing company.If and as required by the inspection company, Seller,at Seller's expense,wilh/ r 7 261 locate and provide access to the on-site(or individual)water system. Seller will restore the Property to its previous 262 condition,at Seller's expense,prior to settlement. 263 Buyer ASR Page 5 of 11 Seller Initials: Revised 1/12 Produced with zipForme by zipl.ogix 1 8070 Fifteen Mile Road,Fraser,Michigan 48026 w .zioLoaix.com Transaction Sales 264 Radon 265 Elected Buyer may obtain a radon test of the Property from a certified inspector. The U.S. Environmental Protection Waived 266 Aeency (EPA) advises corrective action if the average annual exposure to radon is equal to or higher than 0.02 I 267 working levels or 4 picoCuries/liter(4pCi/L). 268 On-lot Sewage(If Applicable) 269 Elected Buyer may obtain an Inspection of the individual on-lot sewage disposal system from a qualified, professional Waived 270 ! inspector.If and as required by the inspection company, Seller, at Seller's expense, will locate,provide access 271 and empty the individual on-lot sewage disposal system.Seller will restore the Property to its previous condition, 272 at Seller's expense, prior to settlement. See paragraph 13(C) for more infonnation regarding the Individual On-lot 273 Sewage Inspection Contingency. 274 Property Insurance 275 Elected Buyer may determine the insurability of the Property by making application for property and casualty insurance for Waived 276 ! the Property to a responsible insurer.Broker for Buyer, if any,otherwise Broker for Seller,may communicate with` N f v / 277 the insurer to assist in the insurance process. If the Property is located in a flood plain,Buyer may be required to 278 carry flood insurance at Buyer's expense,which may need to be ordered 14 days or more prior to Settlement Date. 279 Property Boundaries 280 Elected Buyer may engage the services of a surveyor, title abstractor, or other qualified professional to assess the Iegal Waived 281 / description,certainty and location of boundaries and/or quantum of land. Most Sellers have not had the Property' v / 282 surveyed as it is not a requirement of property transfer in Pennsylvania.Any fences,hedges,walls and other natural 283 or constructed barriers may or may not represent the true boundary lines of the Property.Any numerical represen- 284 tations of size of property are approximations only and may be inaccurate. 285 Deeds,Restrictions and Zoning 286 Elected Buyer may investigate easements,deed and use restrictions(including any historic preservation restrictions or ordi- Waived 287 1 nances)that apply to the Property and review local zoning ordinances.Buyer may verify that the present use of the`VX\/ 288 Property (such as in-law quarters, apartments, home office, day care) is permitted and may elect to make the 289 Agreement contingent upon an anticipated use.Present use: 290 Lead-Based Paint Hazards(For Properties prior to 1978 only) 291 Elected Before Buyer is obligated to purchase a residential dwelling built prior to 1978,Buyer has the option to conduct a �)Yaived 292 / risk assessment and/or inspection of the Property for the presence of lead-based paint and/or lead-based paint haz S t, / 293 ards unless Buyer waives that right.Regardless of whether this inspection is elected or waived,the Residential 294 Lead-Based Paint Hazard Reduction Act requires a Seller of property built prior to 1978 to provide the 295 Buyer with an EPA-approved lead hazards information pamphlet titled Protect Your Family from Lead in 296 Your Home, along with.a separate form,attached to this Agreement, disclosing Seller's lmowledge of lead- 297 based paint hazards and any lead-based paint records regarding the Property. (See Notices Regarding 298 Residential Lead-Based Paint Hazard Reduction Act) 299 Other 300 Elected Waived 301 J / 302 303 The Inspections elected above do not apply to the following existing conditions and/or items: 304 305 306 13.INSPECTION CONTINGENCY(1-10) 307 (A) The Contingency Period is days(10 if not specified)from the Execution Date of this Agreement for each Inspection elect- 308 ed in Paragraph 12(C),except the following: 309 Inspection(s) Contingency Period 310 days 311 days 312 days 313 days 314 (B) Except as stated in Paragraph 13(C), if the result of any Inspection elected in Paragraph 12(C) is unsatisfactory to Buyer, Buyer 315 will,within the stated Contingency Period: 316 1. Accept the Property with the information stated in the Report(s)and agree to the RELEASE in Paragraph 25 of this Agreement,OR 317 2. Terminate this Agreement by written notice to Seller, with all deposit monies returned to Buyer according to the terms of 318 Paragraph 23 of this Agreement,OR 319 3. Present the Report(s)to Seller with a Written Corrective Proposal("Proposal")listing corrections and/or credits desired by Buyer. 320 The Proposal may,but is not required to,include the name(s)of a properly licensed or qualified professional(s)to perform the cor- 321 rections requested in the Proposal,provisions for payment, including retests, and a projected date for completion of the correc- 322 tions.Buyer agrees that Seller will not be held liable for corrections that do not comply with mortgage lender or governmental 323 requirements if performed in a workmanlike manner according to the terms of Buyer's Proposal. 324 a. No later than days(5 if not specified)from the end of the Contingency Period(s),Seller will inform Buyer in writ- 325 ing that Seller will: 326 (1) Satisfy all the terms of Buyer's Proposal(s),OR 327 (2) Not satisfy all the terms of Buyer's Proposal(s). 328 b. If Seller agrees to satisfy the terms of Buyer's Proposal, Buyer accepts the Property and agrees to the RELEASE in 329 Paragraph 25 of this Agreement. 330 c. Within days(2 if not specified) of the receipt of written notification that Seller will not satisfy all terms f Buyer's 331 Buyer Initials 21"? / ASR Page 6 of 11 Seller Initials:, Revised 1/12 Produced with zippormS by zipLogix 18070 Fifteen Mile Road,Fraser,Michigan 48026 www.zipLooix.com Transaction Sales 332 Proposal, or the time stated in paragraph 13(B)(3)(a) if Seller fails to choose either option in writing, whichever occurs 333 first,Buyer will: 334 (1) Accept the Property with the information stated in the Report(s) and agree to the RELEASE in Paragraph 25 of this 335 Agreement,OR 336 (2) Terminate this Agreement by written notice to Seller,with all deposit monies returned to Buyer according to the teens 337 of Paragraph 23 of this Agreement,OR 338 (3) Enter into a mutually acceptable written agreement with Seller, providing for any repairs or improvements to the 339 Property and/or any credit to Buyer at settlement,as acceptable to the mortgage Iender,if any. 340 If Buyer fails to respond within the time stated in Paragraph 13(B)(3)(c) or fails to terminate this Agreement by 341 written notice to Seller}within that time, Buyer will accept the Property and agree to the RELEASE in Paragraph 342 25 of this Agreement. 343 (C) If Report reveals the need to expand or replace the existing individual on-lot sewage disposal system,Seller may,within 344 days (25 if not specified)of receiving the Report, submit a Proposal to Buyer. The Proposal will include, but not be limited to, the 345 name of the company to perform the expansion or replacement; provisions for payment, including retests; and a projected com- 346 pletion date for corrective measures.Within 5 DAYS of receiving Seller's Proposal,or if no Proposal is provided within the 347 stated time,Buyer will notify Seller in writing of Buyer's choice to: 348 1. Agree to the terns of the Proposal,accept the Property and agree to the RELEASE in Paragraph 25 of this Agreement,OR 349 1 Terminate this Agreement by written notice to Seller, with all deposit monies returned to Buyer according to the terms of 350 Paragraph 23 of this Agreement,OR 351 3. Accept the Property and the existing system and agree to the RELEASE in Paragraph 25 of this Agreement. If required by any 352 mortgage lender and/or any governmental authority,Buyer will correct the defects before settlement or within the time required 353 by the mortgage lender and/or governmental authority, at Buyer's sole expense,with permission and access to the Property given 354 by Seller,which may not be unreasonably withheld.If Seller denies Buyer permission and/or access to correct the defects, Buyer 355 may,within 5 BAYS of Seller's denial,terminate this Agreement by written notice to Seller,with all deposit monies returned 356 to Buyer according to the terms of Paragraph 23 of this Agreement. 357 If Buyer fails to respond within the time stated in Paragraph 13(C) or fails to terminate this Agreement by written notice 358 to Seller within that time,Buyer will accept the Property and agree to the RELEASE in Paragraph 25 of this Agreement. 359 14.NOTICES,ASSESSMENTS AND MUNICIPAL REQUIREMENTS(1-10) 360 (A) In the event any notices, including violations, and/or assessments are received after Seller has signed this Agreement and before 361 settlement,Seller will within 5 DAYS of receiving the notices and/or assessments provide a copy of the notices and/or assess- 362 ments to Buyer and will notify Buyer in writing that Seller will: 363 1. Fully comply with the notices and/or assessments, at Seller's expense, before settlement. If Seller fully complies with the 364 notices and/or assessments, Buyer accepts the Property and agrees to the RELEASE in Paragraph 25 of this Agreement, OR 365 2, Not comply with the notices and/or assessments. If Seller chooses not to comply with the notices and/or assessments, or fails 366 within the stated time to notify Buyer whether Seller will comply,Buyer will notify Seller in writing within 5 DAYS 367 that Buyer will.: 368 a. Comply with the notices and/or assessments at Buyer's expense, accept the Property, and agree to the RELEASE in 369 Paragraph 25 of this Agreement,OR 370 b. Terminate this Agreement by written notice to Seller, with all deposit monies returned to Buyer according to the terns of 371 Paragraph 23 of this Agreement. 372 If Buyer fails to respond within the time stated in Paragraph 14(A)(2)or fails to terminate this Agreement by written notice 373 to Seller within that time,Buyer will accept the Property and agree to the RELEASE in Paragraph 25 of this Agreement. 374 (B) If required by law,within 30 DAYS from the Execution Date of this Agreement,but in no case later than 15 DAYS prior 375 to Settlement Date, Seller will order at Seller's expense a certification from the appropriate municipal department(s)disclosing notice 376 of any uncorrected violations of zoning, housing, building, safety or fire ordinances and/or a certificate permitting occupancy of the 377 Property.If Buyer receives a notice of any required repairs/improvements,Buyer will promptly deliver a copy of the notice to Seller. 378 I. Within 5 DAYS of receiving notice from the municipality that repairs/improvements are required, Seller will deliver a 379 copy of the notice to Buyer and notify Buyer in writing that Seller will: 380 a. Make the required repairs/improvements to the satisfaction of the municipality. If Seller makes the required 381 repairs/improvements,Buyer accepts the Property and agrees to the RELEASE in Paragraph 24 of this Agreement,OR 382 b. Not make the required repairs/improvements. If Seller chooses not to make the required repairs/improvements, Buyer will 383 notify Seller in writing within 5 DAYS that Buyer will: 384 (1) Make the repairs/improvements at Buyer's expense,with permission and access to the Property given by Seller, which 385 will not be unreasonably withheld,OR 386 (2) Terminate this Agreement by written notice to Seller,with all deposit monies returned to Buyer according to the terms 387 of Paragraph 23 of this Agreement. 388 If Buyer fails to respond: within the time stated in Paragraph 14(B)(1)(b) or fails to terminate this Agreement by 389 written notice to Seller within that time, Buyer will accept the Property and agree to the RELEASE in Paragraph 390 25 of this Agreement, and Buyer accepts the responsibility to perform the repairs/improvements according to the 391 terms of the notice provided by the municipality. 392 2. If Seller denies Buyer permission to make the required repairs/improvements, or does not provide Buyer access before 393 Settlement Date to make the required repairs/irnprovements,Buyer may,within 5 DAYS,terminate this Agreement by 394 written notice to Seller,with all deposit monies returned to Buyer according to the terms of Paragraph 23 of this Agreement. 395 3. If repairs/improvements are required and Seller fails to provide a copy of the notice to Buyer as required in this Paragraph, Seller 396 will perform all repairs/improvements as required by the notice at Seller's expense. Paragraph 14(B)(3) will survive settlement. 397 Buyer 1ni#lots V Lk 1 ASR Page 7 of 11 Seller Initials: Remised 1/12 Produced with zipFormO by zipLogiz 18070 Fifteen Mile Road,Fraser,Michigan 48026 VwW ZiP!ooix.Com Transaction Sales 399 15. CONDOMINIUM/PLANNED COMMUNITY(HOMEOWNER ASSOCIATIONS)RESALE NOTICE(1-10) 399 Property is NOT a Condominium or part of a Planned Community unless checked below. 400 ❑ CONDOMINIUM. The Property is a unit of a condominium that is primarily run by a unit owners' association. Section 3407 of the 401 Uniform Condominium Act of Pennsylvania (see Notice Regarding Condominiums and Planned Communities) requires SeIIer to 402 furnish Buyer with a Certificate of Resale and copies of the condominium declaration (other than plats and plans), the bylaws and 403 the rules and regulations of the association. 404 ❑ PLANNED COMMUNITY (I30MEOWNER ASSOCIATION). The Property is part of a planned community as defined by the 405 Uniform Planned Community Act (see Notice Regarding Condominiums and Planned Communities). Section 5407(a) of the Act 406 requires Seller to furnish Buyer with a copy of the Declaration (other than plats and plans), the bylaws, the rules and regulations 407 of the association,and a Certificate containing the provisions set forth in section 5407(x)of the Act. 408 THE FOLLOWING APPLIES TO PROPERTIES THAT ARE PART OF A CONDOMINIUM OR A PLANNED COMMUNITY. 409 (A) Within 15 DAYS from the Execution Date of this Agreement,Seller,at Seller's expense, will request from the association a 410 Certificate of Resale and any other documents necessary to enable Seller to comply with the relevant Act. The Act provides that 411 the association is required to provide these documents within 10 days of Seller's request. 412 (B) Seller will promptly deliver to Buyer all documents received from the association. Under the Act, Seller is not Iiable to Buyer for 413 the failure of the association to provide the Certificate in a timely manner or for any incorrect information provided by the asso- 414 ciation in the Certificate. 415 (C) The Act provides that Buyer may declare this Agreement VOID at any time before Buyer receives the association documents and 416 for 5 days after receipt, OR until settlement, whichever occurs first. Buyer's notice to Seller must be in writing; upon Buyer 417 declaring this Agreement void, all deposit monies will be returned to Buyer according to the terms of Paragraph 23 of this 418 Agreement. 414 (D) If the association has the right to buy the Property(right of first refusal), and the association exercises that right, Seller will reim- 420 burse Buyer for any costs incurred by Buyer for any 'inspection or certifications obtained according to the terms of the Agreement, 421 and any costs incurred by Buyer for: (1) Title search, title insurance and/or mechanics' lien insurance, or any fee for cancellation; 422 (2) Flood insurance, fire insurance, hazard insurance, mine subsidence insurance, or any fee for cancellation; (3) Appraisal fees 423 and charges paid in advance to mortgage lender. 424 26.TITLES,SURVEYS AND COSTS(1-12) 425 (A) The Property will be conveyed with good and marketable title that is insurable by a reputable title insurance company at the reg- 426 ular rates, free and clear of all liens, encumbrances, and easements, excepting however the following: existing deed restrictions; 427 historic preservation restrictions or ordinances; building restrictions; ordinances; easements of roads; easements visible upon the 428 ground;easements of record;and privileges or rights of public service companies,if any. 429 (B) Buyer will pay for the following: (1) Title search, title insurance and/or mechanics' lien insurance, or any fee for cancellation; 30 (2) Flood insurance, fire insurance, hazard insurance, mine subsidence insurance, or any fee for cancellation; (3) Appraisal fees 4131 and charges paid in advance to mortgage lender-,(4)Buyer's customary settlement costs and accruals. 2 C) a ct e a 3 a 4 e 5 (D) If Seller is unable to give good and marketable title that is insurable by a reputable title insurance company at the regular rates, as 436 specified in Paragraph 16(A), Buyer may terminate this Agreement by written notice to Seller,with all deposit monies returned to 437 Buyer according to the terms of Paragraph 23 of this Agreement. Upon termination, Seller will reimburse Buyer for any costs 438 incurred by Buyer for any inspections or certifications obtained according to the terms of this Agreement, and for those items spec- 439 ified in Paragraph 16(B)items(1),(2),(3)and in Paragraph 16(C). 440 (E) Oil,gas,mineral,or other rights of this Property may have been previously conveyed or leased,and Sellers make no representation about 441 the status of those rights unless indicated elsewhere in this Agreement. 442 ❑ Oil,Gas and Mineral Rights Addendum(PAR Form OGM)is attached. 443 (F) COAL NOTICE(Where Applicable) 444 THIS DOCUMENT MAY NOT SELL,CONVEY,TRANSFER,INCLUDE OR INSURE THE TITLE TO THE COAL AND RIGHTS OF SUPPORT UNDERNEATH 445 THE SURFACE LAND DESCRIBED OR REFERRED TO HEREIN,AND THE OWNER OR OWNERS OF SUCH COAL MAY HAVE THE COMPLETE LEGAL 446 RIGHT TO REMOVE ALL SUCH COAL AND IN THAT CONNECTION, DAMAGE MAY RESULT TO THE SURFACE OF THE LAND AND ANY HOUSE, 447' BUILDING OR OTHER STRUCTURE ON OR IN SUCH LAND. (This notice is set forth in the manner provided in Section I of the Act of 448 3uly 17, 1957, P.L. 984.) `Buyer acknowledges that he may not be obtaining the right of protection against subsidence resulting 449 from coal mining operations, and that the property described herein may be protected from damage due to mine subsidence by a 450 private contract with the owners of the economic interests in the coal. This acknowledgement is made for the purpose of com- 451 plying with the provisions of Section 14 of the Bituminous Mine Subsidence and the Land Conservation Act of April 27, 1966." 452 Buyer agrees to sign the deed from Seller which deed will contain the aforesaid provision. 453 (G) The Property is not a "recreational cabin" as defined in the Pennsylvania Construction Code Act unless otherwise stated here (see 454 Notice Regarding Recreational Cabins): 455 ( This property is not subject to a Private Transfer Fee Obligation unless otherwise stated here(see Notice Regarding Private Transfer 456 Fees): 457 ❑ Private Transfer Fee Addendum(PAR Form PTF)is attached. 458 17.MAINTENANCE AND RISK OF LOSS(1-10) 459 (A) Seller will maintain the Property, grounds, fixtures and personal property specifically listed in this Agreement in its present con- 460 dition,normal wear and tear excepted. 461 (B) If any system or appliance included in the sale of Property fails before settlement,Seller will: 462 1. Repair or replace the failed system or appliance before settlement,OR 463 2. Provide prompt written notice to Buyer of Seller's decision to: 464 a. Credit Buyer at settlement for the fair market value of the failed system or appliance, as acceptable to the mortgage lender, 465 if any,OR 466 Buyer Initials-INK17 ASR Page 8 of 11 Seller Initials: � ! Revised 1112 Produced with z1pFcnn0 by zipLogix 18070 Fifteen Mile Road,Fraser,Michigan 48026 VMW.zloLogix.com Transaction Sales 467 b. Not repair or replace the failed system or appliance, and not credit Buyer it settlement for the fair market value of the 468 failed system or appliance. 469 3. If Seller does not repair or replace the failed system or appliance or agree to credit Buyer for its fair market value, or if Seller 470 fails to notify Buyer of Seller's choice,Buyer will notify Seller in writing within 5 DAYS or before Settlement Date, 471 whichever is earlier,that Buyer will: 472 a. Accept the Property and agree to the RELEASE in Paragraph 25 of this Agreement,OR 473 b. Terminate this Agreement by written notice to Seller, with all deposit monies returned to Buyer according to the terns of 474 Paragraph 23 of this Agreement. 475 If Buyer fails to respond within the time stated in Paragraph 17(B)(3) or fails to terminate this Agreement by written 476 notice to Seller within that time, Buyer will accept the Property and agree to the RELEASE in Paragraph 25 of this 477 Agreement. 478 (C) Seller bears the risk of loss from fire or other casualties until settlement. If any property included in this sale is destroyed and not 479 replaced prior to settlement,Buyer will: 480 1. Accept the Property in its then current condition together with the proceeds of any insurance recovery obtainable by Seller,OR 481 2. Terminate this Agreement by written notice to Seller, with all deposit monies returned to Buyer according to the terms of 482 Paragraph 23 of this Agreement. 483 18.HOME WARRANTIES(1-10) 484 At or before settlement, either party may purchase a home warranty for the Property from a third-party vendor. Buyer and Seller under- 485 stand that a home warranty for the Property does not alter any disclosure requirements of Seller, will not cover or warrant any pre- 486 existing defects of the Property, and will not alter, waive or extend any provisions of this Agreement regarding inspections or certifi- 487 cations that Buyer has elected or waived as part of this Agreement. Buyer and Seller understand that a broker who recommends a home 488 warranty may have a business relationship with the home warranty company that provides a financial benefit to the broker. 489 19.RECORDING(9-05) 490 This Agreement will not be recorded in the Office of the Recorder of Deeds or in any other office or place of public record. If Buyer 491 causes or permits this Agreement to be recorded,Seller may elect to treat such act as a default of this Agreement. 492 20.ASSIGNMENT(1-10) 493 This Agreement is binding upon the parties, their heirs, personal representatives, guardians and successors, and to the extent assigna- 494 ble, on the assigns of the parties hereto. Buyer will not transfer or assign this Agreement without the written consent of Seller unless 495 otherwise stated in this Agreement.Assignment of this Agreement may result in additional transfer taxes. 496 21.GOVERNING LAW,VENUE AND PERSONAL JURISDICTION(9-05) 497 (A) The validity and construction of this Agreement, and the rights and duties of the parties, will be governed in accordance with the 498 laws of the Commonwealth of Pennsylvania. 499 (B) The parties agree that any dispute, controversy or claim arising under or in connection with this Agreement or its performance by 500 either party submitted to a court shall be filed exclusively by and in the state or federal courts sitting in the Commonwealth of 501 Pennsylvania. 502 22.REPRESENTATIONS(1-10) 503 (A) All representations, claims, advertising, promotional activities, brochures or plans of any kind made by Seller, Brokers, their 504 licensees, employees, officers or partners are not a part of this Agreement unless expressly incorporated or stated in this 505 Agreement. This Agreement contains the whole agreement between Seller and Buyer, and there are no other terms, obligations, 506 covenants, representations, statements or conditions, oral or otherwise, of any kind whatsoever concerning this sale. This 507 Agreement will not be altered,amended,changed or modified except in writing executed by the parties. 508 (B) Unless otherwise stated in this Agreement, Buyer has inspected the Property (including fixtures and any personal prop- 509 erty specifically listed herein) before signing this Agreement or has waived the right to do so, and agrees to purchase the 510 Property IN ITS PRESENT CONDITION, subject to inspection contingencies elected in this Agreement. Buyer acknowl- 511 edges that Brokers, their licensees, employees, officers or partners have not made an independent examination or deter- 512 mination of the structural soundness of the Property, the age or condition of the components, environmental conditions, 513 the permitted uses, nor of conditions existing in the locale where the Property is situated; nor have they made a mechan- 514 ical inspection of any of the systems contained therein. 515 (C) Any repairs required by this Agreement will be completed in a workmanlike manner. 516 (D) Broker(s)have provided or may provide services to assist unrepresented parties in complying with this Agreement. 517 23.DEFAULT,TERMINATION AND RETURN OF DEPOSITS(1-10) 518 (A) Where Buyer terminates this Agreement pursuant to any right granted by this Agreement, Buyer will be entitled to a return of 519 all deposit monies paid on account of Purchase Price pursuant to the terms of Paragraph 23(B), and this Agreement will be 520 VOID. Termination of this Agreement may occur for other reasons giving rise to claims by Buyer and/or Seller for the deposit 521 monies. 522 (B) Regardless of the apparent entitlement to deposit monies, Pennsylvania law does not allow a Broker holding deposit monies to 523 determine who is entitled to the deposit monies when settlement does not occur.Broker can only release the deposit monies: 524 1. If this Agreement is terminated prior to settlement and there is no dispute over entitlement to the deposit monies. A written 525 agreement signed by both parties is evidence that there is no dispute regarding deposit monies. 526 2 If, after Broker has received deposit monies, Broker receives a written agreement that is signed by Buyer and Seller, direct- 527 ing Broker how to distribute some or all of the deposit monies. 528 3. According to the terms of a final order of court. 529 4. According to the terms of a prior written agreement between Buyer and Seller that directs the Broker how to distribute the 530 deposit monies if there is a dispute between the parties that is not resolved.(See Paragraph 23(C)) 531 Buyer Initials:.'\N*t\ I ASR Page 9 of 11 Seller Initials: Revised 1112 Produced with zipporm®by zipLogix 18070 Fifteen Mile Road,Fraser,Michigan 48026 �j.zioLogkcom Transaction Sales 532 (C) Buyer and Seller agree that if there is a dispute over the entitlement to deposit monies that is unresolved 365 days after 533 the Settlement Date stated in Paragraph 4(A), or any written extensions thereof, the Broker holding the deposit monies will, with- 534 in 30 days of receipt of Buyer's written request, distribute the deposit monies to Buyer unless the Broker is in receipt of verifi- 535 able written notice that the dispute is the subject of litigation, If Broker has received verifiable written notice of litigation prior 536 to the receipt of Buyer's request for distribution, Broker will continue to hold the deposit monies until receipt of a written distri- 537 bution agreement between Buyer and Seller or a final court order. Buyer and Seller are advised to initiate litigation for any por- 538 tion of the deposit monies prior to any distribution made by Broker pursuant to this paragraph. Buyer and Seller agree that the 539 distribution of deposit monies based upon the passage of time does not legally determine entitlement to deposit monies, and that 540 the parties maintain their legal rights to pursue Iitigation even after a distribution is made. 541 (D) Buyer and Seller agree that Broker who holds or distributes deposit monies pursuant to the terms of Paragraph 23 or Pennsylvania 542 law will not be liable. Buyer and Seller agree that if any Broker or affiliated licensee is named in litigation regarding deposit 543 monies,the attorneys'fees and costs of the Broker(s)and licensee(s)will be paid by the party naming them in litigation. 544 (E) Seller has the option of retaining all sums paid by Buyer,including the deposit monies,should Buyer: 545 1. Fail to make any additional payments as specified in Paragraph 2,OR 546 2. Furnish false or incomplete information to Seller, Broker(s), or any other party identified in this Agreement concerning 547 Buyer's legal or financial status,OR 548 3. Violate or fail to fulfill and perform any other terms or conditions of this Agreement. 549 (F) Unless otherwise checked in Paragraph 23(G),Seller may elect to retain those sutras paid by Buyer,including deposit monies: 550 L On account of purchase price,OR 551 2. As monies to be applied to Seller's damages,OR 552 3. As liquidated damages for such default. 553 (G) ® SELLER IS LIMITED TO RETAINING SUMS PAID BY BUYER,INCLUDING DEPOSIT MONIES,AS LIQUIDATED 554 DAMAGES, 555 (H) If Seller retains all sums paid by Buyer, including deposit monies, as liquidated damages pursuant to Paragraph 23(F) or (G), 556 Buyer and Seller are released from further liability or obligation and this Agreement is VOID. 557 (1) Brokers and licensees are not responsible for unpaid deposits. 558 24,MEDIATION(1-10) 559 Buyer and Seller will submit all disputes or claims that arise from this Agreement, including disputes and claims over deposit monies,. $60 to mediation. Mediation will be conducted in accordance with the Rules and Procedures of the Home Sellers/Home Buyers Dispute 561 Resolution System, unless it is not available, in which case Buyer and Seller will mediate according to the terms of the mediation sys- 562 tem offered or endorsed by the local Association of REALTORS©. Mediation fees, contained in the mediator's fee schedule, will be 563 divided equally among the parties and will be paid before the mediation conference. This mediation process must be concluded before 564 any party to the dispute may initiate legal proceedings in any courtroom, with the exception of fling a summons if it is necessary to 565 stop any statute of limitations from expiring. Any agreement reached through mediation and signed by the parties will be binding (see 566 Notice Regarding Mediation).Any agreement to mediate disputes or claims arising from this Agreement will survive settlement, 567 25.RELEASE(9-05) 568 Buyer releases, quit claims and forever discharges SELLER, ALL BROKERS, their LICENSEES, EMPLOYEES and any 569 OFFICER or PARTNER of any one of them and any other PERSON, FIRM or CORPORATION who may be liable by or 570 through them, from any and all claims, losses or demands, including, but not limited to, personal injury and property dam- 571 age and all of the consequences thereof, whether known or not, which may arise frorn the presence of termites or other wood- 572 boring insects, radon, lead-based paint hazards, mold, fungi or indoor air quality, environmental hazards, any defects in the 573 individual on-lot sewage disposal system or deficiencies in the on-site water service system, or any defects or conditions on the 574 Property. Should Seller be in default under the terms of this Agreement or in violation of any Seller disclosure law or regula- 575 tion, this release does not deprive Buyer of any right to pursue any remedies that tray be available under lawn or equity. This 576 release will survive settlement. 577 26.REAL ESTATE RECOVERY FUND(9-05) 578 A Real Estate Recovery Fund exists to reimburse any persons who have obtained a final civil judgment against a Pennsylvania real 579 estate licensee (or a licensee's affiliates) owing to fraud, misrepresentation, or deceit in a real estate transaction and who have been 580 unable to collect the judgment after exhausting all legal and equitable remedies. For complete details about the Fund, call (717) 783- 581 3658 or(800)822-2€13(within Pennsylvania)and(717)783-4854(outside Pennsylvania). 582 27. COMMUNICATIONS WITH BUYER AND/OR SELLER(1-10) 583 Wherever this Agreement contains a provision that requires or allows communication/delivery to a Buyer, that provision shall be satis- 584 fied by communication/delivery to the Broker for Buyer, if any, except for documents required to be delivered pursuant to 585 Paragraph 15. If there is no Broker for Buyer, those provisions may be satisfied only by communication/delivery being made direct- 586 ly to the Buyer, unless otherwise agreed to by the parties. Wherever this Agreement contains a provision that requires or allows com- 587 munication/delivery to a Seller, that provision shall be satisfied by communication/delivery to the Broker for Seller, if any. If there is 588 no Broker for Seller, those provisions may be satisfied only by communication/delivery being made directly to the Seller, unless other- 589 wise agreed to by the parties. 590 28. SPECIAL CLAUSES(1-10) 591 (A) The following are part of this Agreement if checked: 592 ❑ Sale&Settlement of Other Property Contingency Addendum(PAR Form SSP) 593 ❑ Sale&Settlement of Other Property Contingency with Right to Continue Marketing Addendum(PAR Form SSP-CM) 594 ❑ Settlement of Other Property Contingency Addendum(PAR Form SOP) 595 ❑ Short Sale Addendum to Agreement of Sale(PAR Form SHS) 596 ❑ Appraisal Contingency Addendum(PAR Form ACA) 597 ❑ 598 ❑ 599 ❑ 600 Buyer Tnifiats:� I / ASR Page 10 of Il Seller Initials:Aw/ Revised 1/12 Produced with zipFormr'?by zipLogiz 18070 Fifteen Mile Read,Fraser,Michigan 48026 w V zioLooix.com Transaction Sales 601 (B) Additional Terms: 602 603 604 605 606 607 608 609 610 611 612 613 614 615 616 617 618 Buyer and Seller acknowledge receipt of a copy of this Agreement at the time of signing. 619 This Agreement may be executed in one or more counterparts, each of which shall be deemed to be an original and which coun- 620 terparts together shall constitute one and the same Agreement of the Parties. 621 NOTICE TO PARTIES: WHEN SIGNED, THIS AGREEMENT IS A BINDING CONTRACT. Parties to this transaction are 622 advised to consult a Pennsylvania real estate attorney before signing if they desire legal advice. 623 Return of this Agreement, and any addenda and amendments, including return by electronic transmission, bearing the signatures 624 of all parties,constitutes acceptance by the parties. 625 / Buyer has received the Consumer Notice as adopted by the State Real Estate Commission at 49 Pa.Code 626 §35.336. 627'j A�/ Buyer has received a statement of Buyer's estimated closing costs before signing this Agreement. 628 N / Buyer has read and understands the notices and explanatory information in this Agreement. 629 / Buyer has received a Seller's Property Disclosure Statement before signing this Agreement, if required by law 630 (see Information Regarding the Real Estate Seller Disclosure Law). 631_V'I Buyer Iias received the Deposit Money Notice (for cooperative sales when Broker for Seller is holding deposit 632 money)before signing this Agreement. 633_�t*/ Buyer has received the Lead-Based Paint Hazards Disclosure, which is attached to this Agreement of Sale, and 634 the pamphlet Protect Your Family from Lead in Your Home(for properties built prior to 1978) 635 BUYERr Y V ` 5 /� �rl �l''� DATE �� t Natelle M Nebinger U 636 BUYER DATE 637 BUYER DATE 638 Scaler has received the Consumer Notice as adopted by the State Real Estate Commission at 49 Pa.Code§35.336. 639 Seller has received a statement of Seller's estimated closing costs before signing this Agreement. 640 Seller has rea ndersta s the notices and explanatory information in this Agreement. 641 SELLS DATE ► Z Es of Elmer uth Evinger 642 SELLER DATE 643 SELLER DATE ASR Page 11 of 11 Revised 1112 Produced with zapFoarD by zipZogix 18070 Fifteen Mile Road,Fraser.Michigan 46026 www.zlDtooir,"c0m Transaction Salcs NOTICE REGARDING CONVICTED SEX OFFENDERS(MEGAN'S LAW) The Pennsylvania General Assembly has passed legislation (often referred to as "Megan's Law,"42 Pa.C.S. y 9791 et seq.)providing for community notification of the presence of certain convicted sex offenders_ Buyers are encouraged to contact the municipal police department or the Pennsylvania State Police for information relating to the presence of set offenders near a particular property,or to check the information on the Pennsylvania State Police Web site at www.pameganslaw.statc.pa.us. FOREIGN INVESTMENT IN REAL PROPERTY TAX ACT OF 1980(FIRPTA) The disposition of a U.S.real property interest by a foreign person(the transferor)is subject to the Foreign Investment in Real Property Tax Act of 1980 (FIRPTA) income tax withholding. FIRPTA authorized the United States to tax foreign persons on dispositions of U.S. real property interests.This includes but is not limited to a sale or exchange,liquidation,redemption,gift,transfers,etc.Persons purchasing U.S. real property interests (transferee) from foreign persons, certain purchasers' agents, and settlement officers are required to withhold 10 percent of the amount realized(special rules for foreign corporations).Withholding is intended to ensure U.S.taxation of gains realized on disposition of such interests.The transferee/Buyer is the withholding agent.If you are the transfereeBuyer you must find out if the transferor is a foreign person.If the transferor is a foreign person and you fail to withhold,you may be held liable;for the taa.. NOTICE REGARDLNG REAL ESTATE TAXES(Paragraph-2 Purchase Price and Deposits) Real Estate Tax Proration-For purposes of prorating real estate taxes,the`.`periods covered"by the tax bills are as follows: Municipal Taxes: For all counties and municipalities in Pennsylvania,lax bills are forthe period January 1 to December 31. School Taxes: For all school districts,other than the'Philaclelphia,Pitisburgh anti Scranton school districts,the period covered by the tax bill is July I to June 30.For the Philadelphia Pitts'urgli.and Scranton school districts,tax bills are for the period January I to December 31 Real Estate Assessment: In Pennsylvania, taxing authorities (school districts and municipalities) and property owners may appeal the assessed value of a property at th e fine ofsale,or at any time thereafter. A successful appeal by a taxing authority may result in a higher assessed value for the property and an increase in prdperty taxes. Also, periodic county-wide property reassessments may change the assessed value of the property ant)result in a change iii property tax. NOTICE TO BUYER&SEEBUNG MORTGAGE FINANCING(Paragraph 8:Mortgage Contingency) The appraised value of the Property is used by Ienders to determine the maximum amount of a mortgage loan. The appraised value is determined by an independent appraiser,subject to the mortgage lender's underwriter review,and may be higher or lower than the Purchase Price and/or market price of the property, The Loan-To-Value Ratio(LTV) is used by lenders as one tool to help assess the potential risk of a mortgage loan.LTV is determined by dividing the requested loan amount by either the Purchase Price or the appraised value of the property,whichever is Iower.A particular LTV may be necessary to qualify for certain loans,or Buyers might be required to pay additional fees if the LTV exceeds a specific level. NOTICE REGARDING TRUTH IN LENDING(Paragraph 8:Mortgage Contingency) The Mortgage Disclosure Improvement Act requires mortgage lenders to provide Buyer with a Truth in Lending(TIL)statement at the time of mortgage application(early disclosure)and anytime thereafter(re-disclosure)if the annual percentage rate(APR)changes by more than .125 percent. Settlement cannot occur within 7 days of the early disclosure or within 3 days of re-disclosure. If a re-disclosure of a TIL statement is made within 3 days of the Settlement Date in the Agreement, settlement for the Property would have to occur after the Settlement Date stated.Buyer and Seller are advised that the APR may change by more than.125 percent based on factors including,but not limited to, Seller credits, changes in loan amount or duration, and Settlement Date change. If the Buyer and Seller agree to modify the Settlement Date in response to the TIL statement waiting period, or for any other reason,it should be done by mutual written agreement of the parties. G r— Back of Page I Buyer Initialsv� k / Revised 7/11 Seller Initials: Produced with zipForm&by zipLogix 18070 Fifteen Mile Road,Fraser,Michigan 48026 w vw.ziotooix.com Transaction Sales SEWAGE NOTICES(Paragraph 10:Seller Representations) NOTICES PURSUANT TO THE PENNSYLVANIA SEWAGE FACILITIES ACT NOTICE 1: THERE IS NO CURRENTLY EXISTING COMMUNITY SEWAGE SYSTEM AVAILABLE FOR THE SUBJECT PROPERTY. Section 7 of the Pennsylvania Sewage Facilities Act provides that no person shall install,construct,request bid proposals for construction,alter,repair or occupy any building or structure for which an individual sewage system is to be installed, without first obtaining a permit. Buyer is advised by this notice that,before signing this Agreement,Buyer should contact the local agency charged with administering the Act to determine the procedure and requirements for obtaining a permit for an individual sewage system. The local agency charged with administering the Act will be the municipality where the Property is located or that municipality working cooperatively with others. NOTICE 2: THIS PROPERTY IS SERVICED BY AN INDIVIDUAL SEWAGE SYSTEM INSTALLED UNDER THE TEN-ACRE PERMIT EXEMPTION PROVISIONS OF SECTION 7 OF THE PENNSYLVANIA SEWAGE FACILITIES ACT. (Section 7 provides that a permit may not be required before installing,constructing,awarding,a contract for construction, 0 - — 16 i's altering,repairing or connecting to an individual sewage system where t� subdivided from a parent ­ ` tract after January 10, 1987). Buyer is advised that soils and site testing were not conducted- iihd that, should the system the t- of al, ­ " malfunction,the owner of the Property or properties serviced by the system at,-- e ime malfunction may be held liable for any contamination,pollution,public health hazard or nuisance which as a result. NOTICE 3- THIS PROPERTY IS SERVICED BY A-HOLDING TANK PERMANENT OR TEMPORARY) TO WHICH SEWAGE IS CONVEYED BY A..WATER--,-CARRYING SV'STEM AND WHICH IS DESIGNED AND CONSTRUCTED TO FACILITATE'ULTIMATt DISPOSAL OF THE SEMIAGE AT ANOTHER SITE. Pursuant to the Pennsylvania Sewaai6 Fa ntics Act 'Seller-must provide a history of the annual cost of maintaining the tank-from the date of its installation,or Dec r 14, 1W.5..whichever is later. NOTICE 4: AN INDIVIDUAL SEWAGE SYSTEM HAS BEEN INSTALLED AT AN ISOLATION DISTANCE FROM A WELL THAT I,SIESiiiIAN TI&bISTANCE SPECIFIED BY REGULATION. The regulaiibns afi Pa."&de§73.4Y pertaining to minimum horizontal isolation distances provide guidance.Subsection (b) of§ 73 1-3`states�.Jl - flat the horizontal isolation distance between an individual water supply or water supply system subl''o-n line and.treatment tanks shall be 50 feet. Subsection (c) of§73.13 states that the horizontal isolation distance bet n tiie,- dual water supply or water supply system suction line and the perimeter of the absorption area shall be 100 fe�jL NOTICE 5: THIS LOT IS WITHIN AN AREA IN WHICH PERMIT LIMITATIONS ARE IN EFFECTAND IS SUBJECT TO THOSE LIMITATIONS. SEWAGE FACILITIES ARE NOT AVAILABLE FOR THIS LOT AND CONSTRUCTION OF A STRUCTURE TO BE SERVED BY SEWAGE FACILITIES MAY NOT BEGIN UNTIL THE MUNICIPALITY COMPLETES A MAJOR PLANNING REQUIREMENT PURSUANT TO THE PENNSYLVANIA SEWAGE FACILITIES ACT AND REGULATIONS PROMULGATED THEREUNDER. Buyer Initials:, /-kr� I Back of Page 2 Seller Initials: Revised 7/11 Produced with zipFornrO by zipLogix 18070 Fifteen Mile Road,Fraser,Michigan 48026 wvw.zioLoQixxom Transaction Sales NOTICES REGARDING LAND USE RESTRICTIONS(Paragraph 10:Seller Representations) NOTICE PURSUANT TO THE PENNSYLVANIA RIGHT-TO-FARM LAW(3.P.S.§951-957) The property you are buying may be located in an area where agricultural operations take place.Pennsylvania protects agricultural resources for the production of food and agricultural products. The law limits circumstances where nonnal agricultural operations may be subject to nuisance lawsuits or restrictive ordinances. FARMLAND AND FOREST LAND ASSESSMENT ACT(CLEAN AND GREEN PROGRAM)(72 P.S.§5490.1 et seq.) Properties enrolled in the Clean and Green Program receive preferential tax assessment. Notices Required by Seller:A Seller of Property enrolled in the Clean and Green Program must submit notice of the sale and any proposed changes in the use of Seller's remaining enrolled Property to the County Assessor 30 days before the transfer of title to Buyer. Notices Required by Buyer:A Buyer of Property enrolled in the Clean and Green Program must submit notice of any proposed changes Buyer intends to make in the use of the Property being purchased to the County Assessorat:leasf 30 day_spriorto undertaking any changes. Loss of Preferential Tax Assessment:The sale of the Property enrolled in the Clean and Green"Programl may result in the loss of program enrollment and the loss of preferential tax assessment for the Property,ai or_the land offwhich if is a part and from which it is being il' separated.Removal from enrollment in the Clean and Green Program may,,. in the charge ofroll=back taxes and interest.A mall-back tax is the difference in the amount of taxes paid under the program and the taxes that would have been paid in the absence of Clean and Green enrollment.The roll-back taxes are charged for each year the the Property was enrolled in the program,limited to the past 7 years. Buyer and Seller have been advised of the need.to determrne:.the taml 0' lieations that will or may result from the sale of the Property to Buyer or that may result in the future as a resuitin any change in use of the Property or the}and from which it is being separated by contacting the County Tax Assessmen O`ffice'befpre the execution of this Agreement of Sale. OPEN:SPACE ACT 32 P.S.§5001 et seq. This Act enables counties to enter tntocovenants with owners of land designated as farm, forest, water supply, or open space land on an adopted municipal,county or regional plan for the purpose of preserving the land as open space.A covenant between the owner and county is binding upon any Buyer of the=Property during the period of time that the covenant is in effect(5 or 10 years).Covenants automatically renew at the end of the covenant`penod unless specific termination notice procedures are followed. Buyer acknowledges that the purchase of Property for which there is a covenant will not extinguish the covenant and that a change in the use of the land to any other use other than that designated in the covenant will constitute a breach.When a breach of the covenant occurs,the then-owner is required to pay roll-back taxes and interest. A roll-back tax is the difference in the amount of taxes paid and the taxes that would have been paid in the absence of the covenant. The roll-back taxes are charged for each year that the Property was subject to the covenant,limited to the past 5 years. Buyer has been advised of the need to determine the restrictions that will apply from the sale of the Property to Buyer and the tax implications that will or may result from a change in use of the Property,or any portion of it Buyer is further advised to determine the term of any covenant now in effect. t^r Back of Page 3 1 Buyer Initials: 1 Revised 7111 Seller Initials: Produced with zipFormJ by zipLogix 18070 Fifteen Mile Road,Fraser,Michigan 48026 w wzioLooir.com Transaction Sales NOTICES REGARDING PROPERTY&ENVIRONMENTAL INSPECTIONS (Paragraph 12:Inspections) Exterior Insulation and Finish Systems(EIFS):Exterior Insulation and Finish Systems—sometimes referred to as synthetic stucco—are multi-layered wall systems applied to the exterior of some homes. Poor or improper installation of EIFS may result in moisture penetrating the surface of a structure where it may cause damage to the building's frame. Leakage most frequently occurs near doors and windows, gutters,the roof connection and at the lowermost edge of the exterior surface.Vulnerability to Lakage depends on structure design as well as the expertise and application skills of the contractor.Damage caused by water intrusion may be both extensive and expensive to repair but may go undetected in the absence of an adequate inspection. Buyers purchasing homes with EIFS construction may seek to engage an inspector experienced in testing for EIFS-related problems who can determine the moisture content of the building's frame. Asbestos: The heat-resistant and durable nature of asbestos makes it useful in construction.The physical properties that give asbestos its resistance to heat and decay are linked with several adverse health effects. Asbestos can easily break into microscopic fibers that remain suspended in the air for long periods of time.When inhaled,these fibers easily penetrate body tissue.Asbestos is known to cause Asbestosis and various forms of cancer.Inquiries or requests for more information about asbestos can be directed tto4he-U.S.Environmental Protection Agency,Ariel Rios Building, 1200 Pennsylvania Ave.,N.W.,Washington,D.C.20460,and/or the Department of Health,Commonwealth of Pennsylvania,Division of Environmental Health,Harrisburg,PA 17120. Electromagnetic Fields: Electromagnetic Fields(EMFs)occur around all electrical appliances and power lines."'Conclusive evidence that EMFs pose health risks does not exist at present,and Pennsylvania has no laws regarding this issue. Environmental Hazards:The U.S. Environmental Protection Agency has a list of hazardaus;substances,the use and disposal of which are restricted by law. Generally, if hazardous substances are found on a property, it is tlie.property owner's responsibility to dispose of them properly.For more information and a list of hazardous substances,'contact the U S Environmental Protection Agency,Ariel Rios Building, 1200 Pennsylvania Ave.,N.W.,Washington,D.C.20460, 202 260-2090 Wetlands: Wetlands are protected by the,federal and state governments:Buyer may wish to hire an environmental engineer to investigate whether the Property is located in a wetlands area to,aetemmne mf pemdts for plans to build, improve or develop the property would be affected or denied because of its location izi awetlands area. Mold, Fungi and Indoor'" Qpahty Indoor mold contamination and the inhalation of bioaerosols (bacteria, mold spores,pollen and viruses) have been assoctafed with allergic responses including upper respiratory congestion, cough, mucous membrane irritation, fever, chills, muscle ache or other transient inflammation or allergy. Claims have been asserted that exposure to mold contamination and bioaerosols has led to serious infection,immunosuppression and illnesses of neuro or systemic toxicity. Sampling of indoor air quality and other methods exist to detemune-<tlie presence and scope of indoor contamination.Because individuals may be affected differently, or not affected at all,by the presence of mold or other bioaerosols,Buyer may wish to engage the services of a qualified professional to undertake an assessment and/or sampling of the Property.Assessments and samplings for the presence of mold and bioaerosols can be performed by qualified industrial hygienists,engineers,laboratories and home inspection companies that offer these services. Information about indoor air quality issues is available through the U:S. Environmental Protection Agency and may be obtained by contacting IAQ INFO, P.O. Box 37133,Washington,D.C.20013-7133, 1-800-438-4318. Radon:Radon is a natural,radioactive gas that is produced in the ground by the normal decay of uranium and radium.Studies indicate that extended exposure to high Ievels of radon gas can increase the risk of lung cancer. Radon can find its way into any air-space and can permeate a structure.If a house has a radon problem,it usually can be cured by increased ventilation and/or by preventing radon entry.Any person who tests, mitigates or safeguards a building for radon in Pennsylvania must be certified by the Department of Environmental Protection. Information about radon and about certified testing or mitigation firms is available through Department of Environmental Protection, Bureau of Radiation Protection, 13th Floor,Rachel Carson State Office Building,P.O.Box 8469,Harrisburg,PA 17105-8469, (800)23RADON or(717)783-3594.www.epa.gov NOTICES REGARDING RESIDENTIAL LEAD-BASED PAINT HAZARD REDUCTION ACT (Paragraph 12:Inspections) Lead-Based Paint hazards Disclosure Requirements (for properties built before 19'78): The Residential Lead-Based Paint Hazard Reduction Act requires any Seller of property built before 1978 to provide the Buyer with an EPA-approved lead hazards information pamphlet titled Protect Your• Family front Lead in lour Horrne and to disclose to the Buyer and the brokers)the known presence of lead-based paint and/or lead-based paint hazards in or on the property being sold,along with the basis used for determining that the hazards exist,the location of the hazards,and the condition of painted surfaces.Any Seller of a pre-1978 structure must also provide the Buyer with any records or reports available to the Seller regarding lead-based paint and/or lead-based paint hazards in or about the property being sold, the common areas,or other residential dwellings in multi-family housing.Before a Buyer is obligated to purchase any housing constructed prior to 1978, the Act requires the Seller to give the Buyer 10 days (unless Buyer and Seller agree in writing to another time period) to conduct a risk assessment or inspection for the presence of lead-based paint and/or lead-based paint hazards.The opportunity to conduct a risk assessment or inspection may be waived by the Buyer,in writing.Neither testing nor abatement is required of the Seller.Housing built in 1978 or later is not subject to the Act. Buyer luitials./ i C� 't Back of Page 4 Seller Initials: Revised 7/11 Produced with zipFornY&by zipLogiz 16070 Fifteen Mile Road,Fraser,Michigan 48026 www.zioloaiz corn Transaction Sales LEAD WARNING STATEMENT (FOR PROPERTIES BUILT BEFORE 1978) Every purchaser of any interest in residential real property on which a residential dwelling-was built prior to 1978 is notified that such property may present exposure to lead from lead-based paint that may place young children at risk of developing lead poisoning. Lead poisoning in young children may produce permanent neurological damage, including learning disabilities, reduced intelligence quotient, behavioral problems, and impaired memory. Lead poisoning also poses a particular risk to pregnant women. The Seller of any interest in residential real property is required to provide the Buyer with any information on lead-based paint hazards from risk assessments or inspections in the Seller's possession and notify the Buyer of any known lead-based paint hazards. A risk assessment or inspection for possible lead-based paint hazards is recommended prior to purchase. NOTICE REGARDING THE HOME INSPECTION LAW(68 Pa.C.S.A.§7501,et seq.) (Paragraph 12:Inspections) Applicability:The Horne Inspection Law applies to"residential real estate transfers,"defined as a sale,exchange, installment sales contract, lease with an option to buy,grant or other transfer of an interest in real property where NOT LESS THAN ONE AND NOT MORE THAN FOUR RESIDENTIAL DWELLING UNITS are involved.(See Notice Regarding The Real Estate Seller Disclosure Law(exceptions 1-8) for a list of exceptions to this general rule.) The following definitions are taken from the text of the Home Inspection Law Home Inspection: A non-invasive, visual examination of some combination of_the mechanical, electrical or plumbing systems or the structural and essential components of a residential dwelling designed to identify mate dtdefects.in'those systems and components, and performed for a fee in connection with or preparation for a proposed_or possible residential real.estate transfer.The term also includes any consultation regarding the property that is represented to be.a:home inspection or that is described by any confusingly similar term.The term does not include an examination of a single system or component of a residential-dwelling such as,for example, its electrical or plumbing system or its roof.The tern also does not include an examination that is limited`to inspection for, or of, one or more of the following: wood-destroying insects,underground tanks,and wells,septresystems,swimming pools and spas, alarm systems,air and water quality,tennis courts and playground equipment,pollutants,toxic chemicals and'-environmental hazards.The scope of a home inspection,the services to be performed and the systems and conditions to be inspected or excluded from inspection may be defined by a contract between the home inspector and 8re client. Home inspection Report:A written report on the results of a home inspection. •home inspection report shall,include (1) A description of the scope of the inspection,including without limitation an identification of the structural elements,systems and subsystems covered bythe report. (2) A description of any material defects noted during the inspection,along with any recornmendation that certain experts be retained to determine the extent of the defects and any corrective action that should be taken. A "material defect" that poses an unreasonable risk to people on the property shall be conspicuously identified as such. • home inspector shall not express either orally or in writing an estimate of the cost to repair any defect found during a home inspection, except that such an estimate may be included in a home inspection report i£ (1) the report identifies the source of the estimate; (2) the estimate is stated as a range of costs;and (3) the report states that the parties should consider obtaining an estimate from a contractor who performs the type of repair involved. Seller shall have the right,upon request,to receive without charge a copy of any inspection report from the party for whom it was prepared. Home inspector:An individual who performs a home inspection. National home inspectors association:Any national association of home inspectors that: (1) Is operated on a not-for-profit basis and is not operated as a franchise. (2) Has members in more than ten states. (3) Requires that a person may not become a full member unless the person has performed or participated in more than 100 home inspections and has passed a recognized or accredited examination testing knowledge of the proper procedures for conducting a home inspection. (4) Requires that its members comply with a code of conduct and attend continuing professional education classes as an ongoing condition of membership. A Buyer shall be entitled to rely in good faith,without independent investigation, on a written representation by a home inspector that the home inspector is a full member in good standing of a national home inspection association. Material defect: A problem with a residential real property or any portion of it that would have a significant adverse impact on the value of the property or that involves an unreasonable risk to people on the property.The fact that a structural element,system or subsystem is near,at or beyond the end of the normal useful life of such a structural element,system or subsystem is not by itself a material defect. Buyer Initials: �f'W/ Back of Page 5 , r Revised 7111 Seller Initials:<)V Produced with zipFormO by ziplogix 18070 Fifteen Mile Road,Fraser,Michigan 48026 ww.w.zioLooix.eom Transaction Sales NOTICES REGARDING CONDOMINIUMS AND PLANNED COMMUNITIES (Paragraph 15:Condominium/Planned Community(Homeowner Association)Resale Notice) Definition of a Condominium The Uniform Condominium Act defines a"condominium"as real estate,portions of which are designated for separate ownership and the remainder of which is designated for common ownership solely by the owners of those portions.Real estate is not a condominium unless the undivided interests in the common elements are vested in the unit owners. Definition of a Planned Community The Uniform Planned Community Act defines a"planned community"as real estate with respect to which a person,by virtue of ownership of an interest in any portion of the real estate,is or may become obligated by covenant,easement or agreement imposed on the owner's interest to pay any amount for real property taxes,insurance,maintenance,repair,improvement,management,administration or regulation of any part of the real estate other than the portion or interest owned solely by the person. The term excludes a cooperative and a condominium, but a cooperative or condominium may be part of a planned community. For the purposes of this definition,"ownership"includes holding a leasehold interest of more than 20 years,including renewal options,in real estate.The term includes non-residential campground communities. Exemptions from the Uniform Planned Community Act and the Uniform Condominium Act: When a Certificate of Resale Is Not Required,. The owner of a property located within a planned community is not required to furnish the Buyer with•a certificate of resale under the following circumstances: (1) The Planned Community contains no more than 12 units,provided there is no possibility of adding real estate or subdividing units to increase the size of the Planned Community. (2) The Planned Community/Condominium is one in which all of the units:are restricted exclusively to non-residential use,unless the declaration provides that the resale provisions are nevertheless to be followed:.,, (3) The Planned Community/Condominium or units are located outside the Commonwealth of Pennsylvania. (4) The transfer of the unit is a gratuitous transfer. (5) The transfer of the unit is required by court order. (6) The transfer of the unit is by the government or a,govemmenta!agency (7) The transfer of the unit is the result of f6f eaosurq�gr in lieu of foreclosure. Notices Regardin g lPublic Offering Statements and Right to Rescission If Seller is a Declarant of the condominium or planned community,Seller is required to furnish Buyer with a copy of the Public Offering Statement and its amendments. For condominiums"4he delivery of the Public-Offering Statement must be made no later than the date the Buyer executes this Agreement. Buyer may cancel this Agreement within 15 days after receiving the Public Offering Statement and any amendments that materially and adversely affect Buyer.For planned communities,the Declarant must provide the Buyer with a copy of the Public Offering Statement and its amendments no later than the date the Buyer executes this Agreement.Buyer may cancel this Agreement within 7 days after receiving the Public Offering Statement and any amendments that materially and adversely affect Buyer._ NOTICES REGARDING RECREATIONAL CABINS(Paragraph 16: Title,Surveys&Costs) The following definitions and requirements are taken from the Pennsylvania Constructions Code Act(35 P.S.§7210.101 et.seq.) A Recreational Cabin is a structure which is: (1) Utilized principally for recreational activity; (2) Not utilized as a domicile or residence for any individual for any time period; (3) Not utilized for commercial purposes; (4) Not greater than two stories in height,excluding basement; (5) Not utilized by the owner or any other person as a place of employment; (6) Not a mailing address for bills and correspondence;and (7) Not listed as an individual's place of residence on a tax return,driver's license,car registration or voter registration. A recreational cabin may be exempt from the provisions of the Pennsylvania Construction Code Act if: (1) The cabin is equipped with at least one smoke detector,one fire extinguisher and one carbon monoxide detector in both the kitchen and sleeping quarters;and (2) The owner of the cabin files with the municipality either: (a) An affidavit on a form prescribed by the Pennsylvania Department of Labor and Industry attesting to the fact that the cabin meets the definition of a"recreational cabin"in Section 103 of the Act;or (b) A valid proof of insurance for the recreational cabin, written and issued by an insurer authorized to do business in this Commonwealth, stating that the structure meets the definition of a"recreational cabin"as defined in Section 103 of the Act. If a recreational cabin is subject to exclusion from the Pennsylvania Construction Code Act,upon transfer of ownership of the recreational cabin, written notice must be provided in the sales agreement and the deed that the recreational cabin: (1) Is exempt from this Act; (2) May not be in conformance with the uniform construction code;and (3) Is not subject to municipal regulation. Failure to comply with this notice requirement shall render the sale void at the option of the purchaser. Back of Pa e b Seller Initials:Initials: Revised 7(11 Produced with zipForm a0 by zipLogix 18070 Fifteen Mile Road,Fraser,Michigan 48026 www.zipLooix.com Transaction Sales NOTICES REGARDING PRIVATE TRANSFER FEES(Paragraph 16:Title,Surveys&Costs) In Pennsylvania,Private Transfer Fees are defined and regulated in the Private Transfer Fee Obligation Act(Act I of 2011;68 Pa.C.S, 5 5101,et.seq.), Which defines a Private Transfer Fee as"a fee that is payable upon the transfer of an interest in real property,or payable for the right to make or accept the transfer,if the obligation to pay the fee or charge runs with title to the property or otherwise binds subsequent owners of property,regardless of whether the fee or charge is a fixed amount or is determined as a percentage of the value of the property, the purchase price or other consideration given for the transfer." A Private Transfer Fee must be properly recorded to be binding, and sellers must disclose the existence of the fees to prospective buyers.Where a Private Transfer Fee is not properly recorded or disclosed,the Act gives certain rights and protections to buyers. NOTICES REGARDING MEDIATION(Paragraph 24:Mediation) HOME SELLERS/HOME BUYERS DISPUTE RESOLUTION SYSTEM RULES AND PROCEDURES 1. Agreement of Parties: The Rules and Procedures of the Dispute Resolution System(DRS) apply when the parties have agreed in writing to mediate under DRS.The written agreement can be achieved by a standard clause in an agreement of sale, an addendum to an agreement of sale, or through a separate written agreement. 2. Initiation of Mediation: If a dispute exists, any party may start the mediation process by submitting a completed Request to Initiate Mediation DRS Transmittal Form(Transmittal Form)to the local Association of REALTORS&(hereafter"Administrator"). The Transmittal Form should be available through the Administrator's office.The initiating party should try to include the following information when sending the completed Transmittal Form to the Administrator. a. A copy of the written agreement to mediate if there is one,OR a request by the initiating patty"to have the Administrator contact the other parties to the dispute to invite them to join the mediation process. b. The names,addresses and telephone numbers of the parties involved in the dispute,including the name of'e!ery insurance company known to have received notice of the dispute or claim and the corresponding file or claim number. c. A brief statement of the facts of the dispute and the damages or relief sought..; _ 3. Selection of Mediator: Within five days of receiving the completed Transmittal Form,'the Adtninistratorwill send each party to the dispute a copy of the Transmittal Form and a list of qualified mediators and their fee schedules ;Each party then, a, to review the list of mediators, cross off the name of any mediator to whom the party objects,and return the list to IheAdtuinistrator.The Adiimnistrator will appoint the fast available mediator who is acceptable to all parties involved. A mediator who has any financial or personal interest in the'dispute or the xesuits of the mediation cannot serve as mediator to that dispute,unless all parties are informed and give their written consent 4. Mediation Fees:Mediation fees will be divided equally among the p` ies and will be paid before the mediation conference.The parties will follow the ,payment terms contained in the med'iator's fee`.schedule. Jz 5. Time and Place of Mediation Conference:Within ten days_bf being appointed to the dispute,the mediator will contact the parties and set the date,time and place of the mediation conference 'I"e,draformust ve at least twenty days'advance notice to all parties.The mediation conference should not be more than sixty days from the mediator s appointr 6idto the dispute. 6. Conduct of Mediation Conferenccii'. 6 parties-attending the mediation conference will be expected to: a. Have the authority to enter into and sign a binding settlement to the dispute. b. Produce all information required for the mediator to understand the issues of the dispute. The information may include relevant written materials, descriptions of witnesses and the content of their testimony. The mediator can require the parties to deliver written materials and information before the date of the mediation conference. The mediator presiding over the conference: a. Will impartially conduct an orderly settlement negotiation. b. Will help the parties define the matters in dispute and reach a mutually agreeable solution. c. Will have no authority to render an opinion,to bind the parties to his or her decision,or to force the parties to reach a settlement. Formal rules of evidence will not apply to the mediation conference. 7. Representation by Counsel:Any party who intends to be accompanied to the mediation conference by legal counsel will notify the mediator and the other parties of the intent at least ten days before the conference. &. Confidentiality:No aspect of the mediation can be relied upon or introduced as evidence in any arbitration,judicial or other proceeding.This includes, but is not limited to, any opinions or suggestions made by any party regarding a possible settlement; any admissions made during the course of the mediation;any proposals or opinions expressed by the mediator;and any responses given by any party to opinions,suggestions,or proposals. No privilege will be affected by disclosures made in the course of the mediation. Transcripts or recordings of the mediation will not be allowed without the prior,written consent of all parties and the mediator. Records,reports,and other documents received or prepared by the mediator or Administrator cannot be compelled by an arbitration,judicial, or other proceeding,with the exception of an agreement that was reached in the course of mediation and signed by all the parties. Neither the mediator nor the Administrator can be compelled to testify in any proceeding regarding information given or representations made either in the course of the mediation or in any confidential communication. 9. Mediated Settlement:When a dispute is resolved through mediation,the mediator will put the complete agreement in writing and all parties will sign the written agreement within ten days of the conclusion of the mediation conference.Every reasonable effort will be made to sign the written agreement at the end of the conference. 10. Judicial Proceedings and Immunity: NEITHER THE ADMINISTRATOR, THE MEDIATOR,THE NATIONAL ASSOCIATION OF REALTORS®, THE PENNSYLVANIA ASSOCIATION OF REALTORS@, NOR ANY OF ITS MEMBER BOARDS, WILL BE DEEMED NECESSARY OR INDISPENSABLE PARTIES IN ANY JUDICIAL PROCEEDINGS RELATING TO MEDIATION UNDER THESE RULES AND PROCEDURES,NOR WILL ANY OF THEM SERVING UNDER THESE PROCEDURES BE LIABLE TO ANY PARTY FOR ANY ACT,ERROR OR OMISSION IN CONNECTION WITH ANY SERVICE OR THE OPERATION OF THE HOME SELLERS/HOME BUYERS DISPUTE RESOLUTION SYSTEM. Buyer Initials:,,,,4�-1 Back of Page 7 Seller lnitials:jez 1 ` Revised 7/11 Produced with zipFormO by ziplogix 18070 Fifteen Mile Road.Fraser,Michigan 48026 www.zioLpoix.com Transaction Sales - NOTICES REGARDING THE REAL ESTATE SELLER DISCLOSURE LAW (Page 11:Signature Page) The Real Estate Seller Disclosure Law requires that before an agreement of sale is signed,the Seller in a residential real estate transfer must make certain disclosures regarding the property to potential Buyers in a form defined by the law. A residential real estate transfer is defined as a sale, exchange, installment sales contract, lease with an option to buy, grant or other transfer of an interest in real property where NOT LESS THAN ONE AND NOT MORE THAN FOUR RESIDENTIAL D«'ELLING UNITS are involved. The Law defines a number of exceptions where the disclosures do not have to be made: 1. Transfers that are the result of a court order. 2. Transfers to a mortgage lender that result from a Buyer's default and subsequent foreclosure sales that result from default. 3. Transfers from a co-owner to one or more other co-owners. 4. Transfers made to a spouse or direct descendant. 5. Transfers between spouses that result from divorce,legal separation or property settlement. 6. Transfers by a corporation,partnership or other association to its shareholders,partners or other equity owners as part of a plan of liquidation. 7. Transfer of a property to be demolished or converted to non-residential use. 8. Transfer of unimproved real property. 9. Transfers by a fiduciary during the administration of a decedent estate,guardianship,conservatorship or trust. 10. Transfers of new construction that has never been occupied when: a. The Buyer has received a one-year warranty covering the construction; b. The building has been inspected for compliance with the applicable building code or, tnone,anationally recognized model building code; and c. A certificate of occupancy or a certificate of code compliance has been issued for the dwelling:` In addition to these exceptions, disclosures for condominiums and cooperatives are limited to the Sell er's particular unit(s). Disclosures regarding common areas or facilities are not required,as those elements are already addressed in the laws that govem the resale of condominium and cooperative interests. Buyer Initials:--, Back of Page 8 Seller Initials: Revised 7/11 Produced with zipFormO by zipLogix 18070 Fifteen Mile Road,Fraser,Michigan 48026 —.zioLooix.com Transaction Sales REPLY TO j:NWCTTOK SMUOIM 4bt]hK 11-1,I4 't; A'A1YFV OFSAI.F s.b 5.�, Y`av, ", a..:� t.,;Fytfa„;„, ..1.,a:eNG .r.,cL xx,�.•W r '�'x.,.t.a .,,,ie. f. '.a.;z .a:zua,nx.s;.a,Ls,,r.,..,w:a.,.,.�.,a1�'.n.a�s. 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Settlement Statement HUD-1 11 Type of Loan 1.❑FHA 2.❑RHS 3.0 Conv.Unins. 6.File Number: 7.Loan Number: 8.Mortgage Insurance Case Number: 12-642 0349732925 4,❑VA 5.❑Conv.Ins. C.Note:This form is furnished to give you a statement of actual settlement costs.Amounts paid to and by the settlement agents are shown Items marked "(p.o.c)"were paid outside the closing;they are shown here for informational purposes and are not included in the totals, D.Name&Address of Borrower: E.Name&Address of Seller: F.Name&Address of Lender: NATELLE M,NEBINGER THE ESTATE OF RUTH E.EVINGER HOMESALE LENDING,LLC 317 11th St.,New Cumberland,PA 17070 13675 TECHNOLOGY DRIVE,EDEN PRAIRIE,MN 553440000 G.Property Location: H.Settlement Agent: #.Settlement Date:10/2512012 1802 ANNA STREET,BOROUGH OF NEW Homesale Settlement Services Disbursement Date: 10/2512012 CUMBERLAND 4309 Unglestown Road,717-671-9876 Fax 717-671-9676, NEW CUMBERLAND,PA 17070 Harrisburg,PA 17112 New Cumberland Borough Place of Settlement: Tit#eExpress 4309 Linglestown Road,717-671-9876 Fax 717.671-9676, Printed 10/23/2012 at 2:30 pm Harrisburg,PA 17112 by KAC J.Summary of Borrowees Transaction K.Summary of Seller's Transaction 100. Gross Amount Due from Borrower 400. Gross Amount Due to Seller 101. Contract sales price 152,187.00 401. Contract sales price 152,187.00 102. Personal property 402. Personal property 103. Settlement charges to borrower(line 1400) 6,07935 403. 104. 404. 105. 405. Adjustments for items paid by seller in advance Adjustments for Items paid by seller in advance 106. City/town taxes to 406. Cityltown taxes to 107. County taxes 10/25/2012 to 12/3112012 204.37 407. County taxes 1012512012 to 12/31/2012 204.37 108. Assessments 10/25/2012 to 06/3012013 1,120.49 408. Assessments 10125/2012 to 0613012013 1,120.49 109. Trash Bill Proration 10/25/2012 to 12131/2012 28.53 409, Trash Bill Proration 1012512012 to 12/31/2012 28.53 110. 410. 111_ 411. 112. 412. 120. Gross Amount Due from Borrower 159,620.24 420. Gross Amount Due to Seller 153,540.39 200, Amounts Paid by or in Behalf of Borrower 500."Reductions In Amount Due to Seller 201. Deposit or earnest money 4,000.00 501. Excess deposit(see instructions) 202. Principal amount of new loan(s) 121,750.00 502. Settlement charges to seller(line 1400) 10,78833 203. Existing loans taken subject to 503. Existing loans taken subject to 204. 504. Payoff of fir.t mortgage loan 205, 505. Payoff of second mortgage loan 206. 506. 207, Sewer Credit from 1011-10/25 31.00 507, Sewer Credit from 10/1-10125 31.00 208. 508. 249. 509. Adjustments for items unpaid by seller Adjustments for items unpaid by seller 210. City/town taxes to 510. City/town taxes to 211. County taxes to 511. County takes to 212. Assessments to 512. Assessments to 213. 513, 214. 514, 215. 515. 216. 516. 217. 517. 218. 518, 219 519, 220. Total Paid b ffor Borrower 125,761.00 520. Total Reduction Amount Due Seller 10,819.33 300. Cash at Settlement fromito Borrower 600. Cash at Settlement tolfrom Seller 301. Gross amount due from borrower(line 120) 159,620.24 601, Gross amount due to seller(line 420) 153,540.39 302. Less amounts paid by/for borrower(line 220) 125,781,00 602. Less reductions in amount due seller(line 520) 10,81933 303, Cash Q From ❑ To Borrower 33,839.24 603, Cash X❑ To ❑ From Seller 142,721.06 epo fng pr en dr rs to ec ono e,arms mn fs e5 ma e a mm es per respansa w co mg,rerewrrg a repo mg e a a. fs agency may no to a s m orma ron,a you are repmr o cwn{ue e fnl6 form,unle ss it displays a cunonlly valitl OM@ canlrol number,No conadenliaihy is assured;IM1is Oistlasure is mandatory.This is designed 1p provide the parties fo a RESP0.covered transaction with inform»frod Qufing Iha Ratllemenl proceae, Previous editions are obsolete Page 1 of 4 HUD-1 A.Settlement Cha es 700. Total Real Estate Broker Fees $9,13122 Paid From Paid From Division of commission line 700 as follows: Borrower's Seller's 701. $4,565.61 to Prudential Homesale Services Group Funds at Funds at 702. $4,565.61 to MC Walker realty Settlement Settlement 703. Commission paid at settlement 9,131.22 704, 8roker Fee to Prudential Homesale Services Group 225.00 800. Items Payable in Connection with Loan 801. Our origination charge (Includes Origination Point 0.000%or$0.00) $665.00 (from GFE#1) 802. Your credit or charge(points)for the specific interest rate chosen $ (from GFE#2) 803. Your adjusted origination charges (from GFE A) 665.00 804. Appraisal fee to RELS Valuation (from GFE#3) 380.00 805. Credit report to RELS Credit (from GFE#3) 11.66 806. Tax service to from GFE#3 807. Flood certification to from GFE#3 808. to 900. Items Required by Lender to be Paid in Advance 901. Daily interest charges from from 10/25/2012 to 11/01/2012 @$12.0900/day (from GFE#10) 84.63 902 Mort a e insurance premium months to from GFE 43 903. Homeowner's insurance for 1 ears to Erie Insurance (from GFE#11) 559.00 904. months to from GFE#11 1000. Reserves Deposited with Lender 1001. Initial deposit for your escrow account (from GFE#9) 881.59 1002.Homeowner's insurance 4 months $ $6.58/month $186.32 1003. Mort a e insurance months @$ /month 1004. Property taxes months @$ /month 1005.County taxes 9 months @$ 101.87/month $916.83 1006.School Taxes 5 months @$ 139.671month $698.35 1007.Aggregate Adjustment $-919.91 1100.Title Charges 1101. Title services and lender's title insurance ifrom GFE#4 1,368.00 1102. Settlement or closing fee to $ 1103. Owners title insurance from GFE#5 102.10 1104. Lenders title insurance $1,010.00 1105. Lender's title policy limit$121,750.00 Lender's Policy 1106. Owner's title policy limit$152,187.00 Owners Policy 1107.Agent's portion of the total title insurance premium $98977 1108. Underwriter's portion of the total title insurance premium $122.33 1109. 1200. Government Recording and Transfer Charges 1201. Government recording charges $ (from GFE#7) 162.00 1202 Deed$62.00 Mort $100.00 Release$ 1203. Transfer taxes $ (from GFE#8) 1,521.87 1204.City/County tax/stamps Deed$1,521.87 Mortgage$ 1205.Slate Tax/stamps Deed$1,521.87 Mortgage$ 1,521.87 1206. Deed$ Mortgage$ 1300.Additional Settlement Charges 1301.Required services that you can shop for (from GFE#6) 119.00 1302. Tax Service Fee to WFRETS $100.00 1303. Flood Cent Fee-Life of Loan to WF Flood Svcs $19.00 1304. Prepaid Tax Cert Fee to MC Walker Realty 10.00 1305. Notary Fee to Notary Public 10.00 1306. Sewer Bill 711-9130 to New Cumberland Borough 76.64 1307.Trash Bill 1011-12/31 to New Cumberland Borough 38.60 t t t t 6,079.85 10,788.33 'Paid outside of closing by(B)orrower,(S)eller,(L)ender,(I)nvestor,Bro(K)er."Credit by lender shown on page 1."'Credit by seller shown on page 1. Previous editions are obsolete Page 2 of 4 HUD-1 Comparison of Good Faith Estimate(GFE)and HUD-1 Charges Good'Faith Estimate HUD-1 Charges That Cannot Increase HUD-1 Line Number Our origination charge # 801 665.00 665.00 Your credit or charge(points)for the specific interest rate chosen # 802 0.00 0.00 Your adjusted origination charges # 803 665.00 665.00 Transfer taxes # 1203 ^' 7,070.00 1,521.87 Charges That in Total Cannot Increase More Than 101% Good Faith Estimate HUM rGovernment recording charges #,1201 230.50 V 162.00 Appraisal fee #804 380.00 380.00 Credit report #805 11.66 11.66 Tax Service Fee # 1302 100.00 100.00 Flood Cert Fee-Life of Loan # 1303 19.00 19.00 741,161 672.66 I Increase between GFE and HUD-1 Charges $ -68.50 or -9,2423% Charges That Can Change Good Faith Estimate HUM Initial deposit for your escrow account # 1001 2,150.04 881.59 Daily interest charges from #901 $12090014 244.00 84.63 Homeowner's insurance - # 903 600.00 559.00 Title services and lender's title insurance # 1101 1,795.10 1,368.00 Owner's title insurance # 1103 10.00 102.10 # # Loan Terms Your initial loan amount is $121,750.00 Your loan term is 30.years Your initial interest rate is 3.6250% Your initial monthly amount owed for principal,interest,and any mortgage $555.24 includes insurance is f-X1 Principal X❑Interest ❑Mortgage Insurance Can your interest rate rise? Q No. ❑Yes,it can rise to a maximum of %. The first change will be on I / and can change again every years after I I Every change date,your interest rate can increase or decrease by °Iff. Over the life of the loan,your interest rate is guaranteed to never be lower than %or higher than %. Even if you make payments on time,can your loan balance rise? nX No. ❑Yes,it can rise to a maximum of$ Even if you make payments on time,can your monthly amount owed for ❑X No. ❑Yes,the first increase can be on I i and the monthly principal,interest,and mortgage insurance rise? amount owed can rise to$ The maximum it can ever rise to is$ Does your loan have a prepayment penalty? 0 No. ❑Yes,your maximum prepayment penalty is$ Does your loan have a balloon payment? Q No. ❑Yes,you have a balloon payment of$ due in years on 1 1 Total monthly amount owed including escrow account payments ❑You do not have a monthly escrow payment for items,such as property taxes and homeowner's insurance. You must pay these items directly yourself, ,X❑You have an additional monthly escrow payment of$288.12 that results in a total initial monthly amount owed of$843.36. This includes principal,interest,any mortgage insurance and any items checked below: Xn Property taxes El Homeowner's insurance F]Flood insurance 0 School Taxes Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your lender. Previous editions are obsolete Page 3 of 4 HUD-1 $46ature Page HUD CERTIFICATION OF BUYER AND SELLER I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief,it is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction.I further certify that 1 have received a copy of the HUD-1 Settlement Statement. NATELLE M.NEBINGER tF RUT E. I GER The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction.I have caused or will cause the funds to be disbursed in accordance with this statement. SETTLEMENT AGENT DATE WARNING:IT IS A CRIME TO KNOWINGLY MAKE FALSE STATEMENTS TO THE UNITED STATES ON THIS OR ANY SIMILAR FORM.PENALTIES UPON CONVICTION CAN INCLUDE A FINE AND IMPRISONMENT.FOR DETAILS SEE TITLE 18:U.S.CODE SECTION 1001 AND SECTION 1010. Previous editions are obsolete Page 4 of 4 HUD-1 Name of Borrower: Name of Seller File Number: NATELLE M.NEBINGER THE ESTATE OF RUTH E.EVINGER 12-642 Prepared 10/2312012 at 2:30 pm Note:This page displays an itemization of the adjusted origination charges shown in section 800 of the HUD-1 Settlement Statemen This page accompanies but is not a part of the HUD-1 Settlement Statement.If a discrepancy exists,the information on the HUD-1 Settlement Statement applies. Your Loan Origination Charges Borrower Seller 801. Our origination charge (Includes Origination Point 0.000%or$0.00) Loan Origination Fee to Homesale Lending,LLC $ 665.00 802. Your credit or charge(points)for the specific interest rate chosen to $ 0.00 803. Your adjusted origination charges 665.00 0.00 Itemization of Line r Name of Borrower: Name of Seller: File Number: NATELLE M.NEBINGER THE ESTATE OF RUTH E.EVINGER 12-642 Prepared 10123/2012 at 2:30 pm Note:This page displays an itemization of the charges shown on line 1101 of the HUD-1 Settlement Statement.This page accompanies but is not a part of the HUD-1 Settlement Statement.If a discrepancy exists,the information on the HUD-1 Settlement Statement applies. 1100.Title Charges Total Charge Borrower Seller 1101.Title services and lender's title insurance to Notary Fee to Notary Public $ 50.00 50.00 Overnight Fee to Homesale Settlement Services,I$ 18.00 18.00 Wire Fee to Homesale Settlement Services,1$ 15.00 15.00 Doc Download Fee to Homesale Settlement Services,1$ 50.00 50.00 End 100110000 to Old Republic Title $ 50.00 50.00 300130000 to Old Republic Title $ 50.00 50.00 900181000 to Old Republic Title $ 50.00 50.00 ClosingSvcl-trICSL to Old Republic Title $ 75.00 75.00 1102.Settlement or closing fee to $ 0.00 1104.Lender's title insurance to Old Republic Title $ 1,010.00 1,010.00 Totals: $ 1,368.00 0.00 1,368.00 100 Seller/Lender credits shown on page 1 POC Paid Outside Closing CR=Lender Credit Previous editions are obsolete Page 1 of 1 HUD-1 f 002SZ4 3 Tax Parcel No. 26-23-0543-063 THIS INDENTURE, MADE THE o2q t'- day of C)e�-ober two thousand twelve (2012) BETWEEN JAMES D. BOGAR, Executor of the Last Will and Testament of RUTH E. EVINGER, late of New Cumberland Borough, Cumberland County, Pennsylvania, party of the first part, and NATELLE M. NEBINGER, of New Cumberland, Pennsylvania, party of the second part: WHEREAS, the said RUTH E. EVINGER, by her Last Will and Testament, duly proved and recorded in the Cumberland County Register of Wills Office, Pennsylvania, in Docket Book 21-12- 0906, Letters Testamentary being issued on August 17, 2012, provided, in pertinent part, as follows : SEVENTH: In addition to all powers granted to them by law and by other provisions of this Will, I give the fiduciaries acting hereunder the following powers, .applicable to all property, exercisable without court approval and effective until actual distribution of all property: (A) To sell at public or private sale, or to lease, for any period of time, any real or personal property and to give options for sales, exchanges or leases, for such prices and upon such terms (including credit, with or without security) or conditions as are deemed proper. . . NINTH: I nominate and appoint JAMES D. BOGAR, as Executor of this, my Last Will and Testament. NOW THIS INDENTURE WITNESSETH, that the said party of the first part, by virtue of the power and authority aforesaid, in said Will contained, and in consideration of the sum of One Hundred Fifty-Two Thousand One Hundred Eighty-Seven and 00/100 Dollars ($152, 187 . 00) to him paid by the said party of the second part, at and before the ensealing and delivery of these presents, the receipt whereof is hereby acknowledged, has granted, bargained, sold and conveyed, and does hereby grant, bargain, sell and convey to the said party of the second part, her heirs and assigns forever: ALL THAT CERTAIN lot or piece of ground with buildings and improvements thereon erected, situate in the Borough of New Cumberland, Cumberland County, Pennsylvania, being Lot No. 64 of the Haldeman Plot, recorded in Cumberland County Records, in Plan Book 2, Page 48, and being more fully bounded and described according to a plan of survey made by D. P. Raffensperger, Registered Surveyor, dated June 16, 1958, as follows: BEGINNING at a point on the Southwestern side of Anna Street fifty (50) feet wide, said point being 75 . 59 feet northwardly of the intersection of the southwesterly side of Anna Street with the northwesterly side of Haldeman Avenue, also at the dividing line between Lots Nos. 64 and 65 on the hereinbefore mentioned Plan of Lots; thence along said dividing line south 55 degrees 16 minutes west 150 feet to a point on the northeastern side of a 20 foot wide alley; thence along the same north 34 degrees 44 minutes west 50 feet to a point at the dividing line between Lots Nos . 63 and 64 on said Plan; thence along the same north 55 degrees 16 minutes east 150 feet to a point on the southwestern side of Anna Street; thence along the same south 34 degrees 44 minutes east 50 feet to a point, the place of BEGINNING. HAVING ERECTED THEREON a dwelling house being known and numbered as 1802 Anna Street, New Cumberland, Pennsylvania. BEING the same premises which Ruth E. Evinger, formerly Ruth E. Seibert, by deed dated May 31, 1979 and recorded June S, 1979 in the Cumberland County Recorder of Deeds office in Deed Book L, Volume 28, Page 876, granted and conveyed unto Ruth E. Evinger and Elmer L. Evinger, her husband. The said Elmer L. Evinger died March 16, 1998, whereupon full and complete title to the within described real estate became vested solely in fee simple to Ruth E. Evinger. The said Ruth E. Evinger died August 3, 2012 . TOGETHER with all and singular the rights, liberties, privileges, hereditaments and appurtenances whatsoever thereunto belonging or in anywise appertaining, and the reversions and remainders, rents, issues and profits thereof, and all the estate, right, title, interest, property, claim and demand whatsoever of the said Ruth E. Evinger at and immediately before the time of her decease, in law or equity or otherwise howsoever, of, in, to or out of the same: TO HAVE AND TO HOLD the said granted premises to the said party of the second part, her heirs and assigns forever. AND the said party of the first part, does covenant, promise, grant and agree, to and with the said party of the second part, her heirs and assigns, by these presents, that the said party of the first part has not done, committed, or knowingly or willingly suffered to be done, any act, matter or thing whatsoever, whereby the premises aforesaid, or any part thereof, is, are, shall or may be charged or encumbered, in title, charge or estate, or otherwise howsoever. IN WITNESS WHEREOF, the said party of the first part has hereunto set his hand and seal the day and year above written. Signed, Sealed and Delivered in the Presence of r/ (SEAL) JAME D. BOGAR,Utxecutor of the Esta e of Ruth E. Evinger . .r COMMONWEALTH OF PENNSYLVANIA SS. COUNTY OF CUMBERLAND / On this, the C yt/ day of oebe" 2012, before me, the undersigned officer, personally appeared JAMES D. BOGAR, Executor of the Estate of Ruth E. Evinger, known to me (or satisfactorily proven) to be the person described in the foregoing instrument, and acknowledged that he executed the- same in the capacity therein stated and for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and official seal . (SEAL) Notary Public ., C�' +'dry•� =SVH1REMANSr0WN EAL NOTARY PUBLICMBERLANO COUNTY S AUGUST 3,2013 JT j�0 �. CERTIFICATE OF RESIDENCE I do hereby certify that the precise residence and complete post office address of the within named grantee is 1802 Anna Street, New Cumberland, PA 17070 . 2012 Attorney/Agent for Grantee ROBERT P. ZIEGLER RECORDER OF DEEDS ., zy. CUMBERLAND COUNTY 1. 1 COURTHOUSE SQUARE=. CARLISLE, PA 17013 - - 717-240-6370 ° Instrument Number-201233515 Recorded On 10/31/2012 At 10:03:13 AM *Total Pages-4 •Instrument Type-DEED Invoice Number-120911 User ED-SW •Grantor-EVINGER,RUTH E •Grantee-NEBINGER,NATELLE M •Customer-HOMESALE SETTLEMENT SERVICES ESCROW ACCOUNT *FEES STATE TRANSFER TAX $1,521.87 Certification Page STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $23.50 DO NOT DETACH JUSTICE RECORDING FEES — $12.50 This page is now part RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 of this legal document. FEES AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 WEST SHORE SCHOOL $760.94 DISTRICT NEW CUMBERLAND BOROUGH $760.93 TOTAL PAID $3,106.74 I Certify this to be recorded in Cumberland County PA ° RECORDER O �DDS t�ao *-Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 002SZ4 III 11111111111111111 illll 111 Rev-1503 EX+(6-98) SCHEDULE STOCKS & BONDS COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Evinger, Ruth E. 21-12-0906 All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM CUSIP VALUE AT DATE NUMBER NUMBER DESCRIPTION UNIT VALUE OF DEATH 1 7,289.452 shares of Aberdeen Stock 10.81 78,798.98 2 55 shares of Century Link(Qwest)Stock-The decedent 41.96 2,307.80 held 333 Certificate Shares of Qwest Stock as of the date of her passing. Qwest was bought out by Century Link. The 333 shares of Qwest were converted to 55 shares of Century Link. The date of death value listed is for 55 shares of Century Link. 3 3,091.558 shares of Dreyfus -Account No.0058-xxxx7357. 16.84 52,061.84 4 159 shares of Frontier Communications Corporation Stock 4.42 702.78 5 34 shares of LSI Corporation Stock 7.14 242.76 6 950 shares of PNC Financial Services Group,Inc.Stock 59.82 56,829.00 7 10,362.382 shares of Pyxis Government Securities Fund Cl 8.92 92,432.45 A 8 1,037 shares of Vanguard Windsor Fund Stock 14.03 14,549.11 9 664 shares of Verizon Communications,Inc.Stock 44.74 29,707.36 TOTAL(Also enter on Line 2,Recapitulation) 327,632.08 (if more space is needed,additional pages of the same size) Copyright(c)2002 form software only The Lackner Group,Inc. Form PA-1500 Schedule B(Rev.6-98) New Use;? Sign In ta,, M Ike Y[My Hor vv,asts M S e 3,r•; Search Web H."1iiE SNl=ES73NG N�4SS PERSONAL FINANCE I MY PORTFOLIOS I �::'�.�L SIVIES Get Quotes Finance Search AL;-: 2 � Dow 4-0.081 Nasdaq 1-0.25% Free independent j.Arneritrade '0', {' research Aberdeen Tax-Free Income D(NATFX) Add to Portfolio 10.81 4 0.01(0.09°10) Aug 8 Historical Prices Get Historical Prices for: i GO AdChoi es Set Date Range _ rm Daily . '.. Start Date: Aug fill' 3 2012 Eg.Jan 1,2010 Weekly End Date: Aug 3 2012 Monthly Dividends Only Get Prices 1 I cirst I Previous Next Last LIVE UNITED j Prices Date Open High Low Close Volume Adj Close* Aug 3,2012 10.84 10.84 10.84 10.84, 0 10.84 1 itVE Utt1 *Close price adjusted for dividends and splits. First I Previous I Next(Last i i 1 ,Download to Spreadsheet GIVE. Currency in USD. ( VOLUNTEER. 7.289.452 Shares j LIVE UNITED,v X 10_81 $ 78,798 Date of Dearth Value j Visit LiveLirtitetLorg to Darn how I i f + I. 2:.:.f F.i Ai­,,01,r .1, 7.r,< .5.,m­­ P;,, _ani Yain3o'-ABC News Net,&-,'k Quotes for NYSE,Nasdaq and NYSEAmex are Real-time and sourced?ram Nasdaq Last a ar aUe.If n„t a.aiia;ve fron.NLS. .il,ua eac cela;8a i,cnn p'_=a.y i �:no_.a:.:rce.. See a'a:.0..-..y times for of^e• xnanr,e&auo,_5 and other irrrore at.,,,s'.L4u o cy ttdeperde It o'oviG_ ioe e:0d on the Yat.,,o, nan-e paoe clu tes ara jp=tec,au.. _iiC,.:r.brtill turned o',after_5 rnmWes of::act,lft t a te:?a,e.,..a it _7t .inr�;c­All inro.rrafian^roviJcd > y_„. �. as i.."`-., i-.a�mato,_,.-Purposes on iv,nv.M ..,_,.­.,.hehar Yahoo'nor any of.no„ encent o i:e>a i,lianle an,it mal:onal:rational_.,ors.: -orn le;=ne.,or:!-'?vs.st c,c:as-on,:taker--n tdi3,ce or.nfe r i on won«in,,^,n„„,.: E o -.In ;d .le ou ;r._rol,1c red ssdc-., t.,,r.r ,or, the r, Fundy en.a com-anv ca.a tJf „J_�aj Sa__�; ;Q.!ia...,.-i;al u.ar,..ata and ca'y�,,,dalas pr--vded ty c nrn ra4;S,. e --�.Irc lC 5l;.h-te ,a.o.a nrvo ..a..:a.° .ao _af ca-le._ _i y..1 c pe „e.a, nd date a c Mnr,) ,stc Index ua by t,1..rninoat_r,Inc. lzttp://finance.yahoo.com/q/hp?a=07&b=3&c=2012&d=07&e=3&f=2012&g=d&s=NATFX... 8/9/2012 t-1tJt�1 EAt l it PO Box 55930 Boston,MA 02205-5930 Account Statement 01/01/12 throUgh 12/31/12 Page 1 of 1 AB 02 005380 91 381 B 34 A Contt�Ctl IIC US INVESTOR SERVICES � (II��Il 1' '1Il I�J1t1 �II1111�111� 111� ll�,� �l �ll�ll �� 1-8e6-667.9231 RUTH EVINGER J ON THE INTERNET AND ELMER EVINGER (7 JTWROS re www.aberdeen-asset.us 1802 ANNA ST BY MAIL NEW CUMBERL.ND PA `{7070-1205 M Aberdeen Funds F'0 Box 55930 ¢ Boston,MA02205-5930 YOUR FINANCIAL PROFESSIONAL Nationwide Securities LLC 232 Market ST Apt i Newport PA 17074-1537 REP NAME/REP NUMBER ANDREW R GROVE/50067 DEALER BRANCil 10605-50067 Account Review Market Value as of 12/31/12 $0.00 Aberdeen Tax-Free Income Fund Class D SUMMARY INCOME INFORMATION _ Shares owned 0.000 This Account number; 9030011796 Share price $10.76 period Year-to-date Fundnumber 5020 Market Value as of 12/31/12 $0.00 Dividend/interest $1,778.58 $1,778.58 CUS1Pnumber: 003020112 Long term capital gain 0.00 0.00 Ticker symbol., NATFX ACTIVITY _ Trade Share Shares this Total shares date Description Dollaramount price transaction owned NON-RETIREMENT ACCOUNTS} _ Beginning Balance as of 12/30/11 $76,830.82 $10.54 7,289.452 01/31/12 Income Div Cash 223.09 0.00 0.000 7,289.452 02/29/12 Income Div Cash 225.68 0.00 0.000 7,289.452 03/30/12 Income Div Cash 225.29 0.00 0.000 7,289.452 04/30/12 Income Div Cash 224.30 0.00 0.000 7,289.452 05/31/12 Income Div Cash 220.48 0.00 0.000 7,289.452 06/29/12 Income Div Cash 222.07 0.00 0,000 7,289.452 07/31/12 Income Div Cash 218.86 0.00 0.000 7,289.452 08/31/12 Income Div Cash 218.81 0.00 0.000 7,289.452 09/04112 Transfer To 6001242 0.00 0.00 -7,289.452 0.000 Ending Balance as of 12/31/12 $0.00 $10.76 0.000 005380 1/2 16 r New Usar" _ Sign in, -.. Macke Y:My He r:.P. Search Web For the most captivating daily read, T Makg Yahoo!your Homeoage Fi0i'AlE !NVESTING f hctt'c t a�fi�.ttit�:^. rFtu=<!^.- F111170 ;0v?^�' _'10 L U SIVES I i Get Quotes Finance Search Dow T0.18%Nasdaq t0.24% DPrN Ant ACC:t)t3M Amentraae o • ExiRRDF z[cURin[S CtC CenturyLink,Inc.(CTL)-NYSE Add to Portfolio Like 72 39.19 40.39(0.99%) 12:27PM EDT-Nasdaq Real Time Price Historical Prices Get Historical Prices for: _ GO ' Set Date Range c Daily Which of these Start Date: Aug 3 2012 M Eg.Jan 1,2010 Weekly stock are Warren End Date: Aug 3 2012 Monthly Buffett and Blill ` Dividends Only Gates Are Paring (<Get Prices; More Than S3 Firs?.C Previous f Next Gast Billion Into? j i Prices - Date Open High Low Close Volume Adj Close` z Aug 3,2012 42.02 42.29 41.63 41.74 4,709,400 41.04 tf Close price adjusted for dividends and splits. rust f Previous l Next l Lust }}�/� jj t� Download to Spreadsheet A7 A P P l e Currency in USD. B) Goog l e' tJ 1 S41.96 Median Price 0 al-Mart 55.00 NuMber of Shares Cstco $2.30'7.80 Date of Death Value QjQ Click here to enter Vour answer now._. f .i'-._Yah.. i-..,l.s_h-....bf.aJ P.5ir ".uz 0.,Aci.: Ter,re, ��a,..� ., ..=':P?rv.� ,._,,�-e'ah:'., ABC Nq'o'F'N e"livosk Quotes ar=real-time for Nfi,SDAQ.NYSE and tdYS'c Mh? See aisa delay tin?ei or atnt er-har(ryos n4'„ro,-=aiiaa p,,,:a.,o'ac >'for in=3rs:a;.col ury P,.ir,no:I,:.,n.,edor trail"-G purposes or advice.Neither Yahoo!r or any o nde nen,,or;7srs is 112-cle for am .,-raiicna er,'";. nerein By,accessing t. Yap o` te L!aq­enol to re v n;:o R __cti.g turn strew rv)_q,.:.es on o,cfi. rL;., i" NCO"'ganyuae+prn,ci.,....i c..:.3 (,. ,..:,w .,vri�aa z...: aL; -.,.o,.,,,� 0...i -..., 'r b' ,.. a,.._ 7,M, http://finance.yahoo.com/q/hp?s=CTL&a=07&b=3&c=2012&d=07&e=3&f-2012&g=d 10/11/2012 ��►j (ornputershare `�- �,* Computershare Trust Company,N.A. 250 Royall Street CenturyLink- Canton Massachusetts 02021 009004 Within USA,US territories&Canada 800 969 6718 Outside USA,US territories&Canada 781 575 2765 www.computershare.com RUTH E EVINGER 1802 ANNA STREET NEW CUMBERLND PA 17070-1205 02000950800 IND - liilll!lEEIIl11lLltllll 111l IILIIIIIittt,I1IJ1l1!!!I!IlLIlI Tax ID certification on file:Yes TOTAL SHARES: 333 Exchange Form -Action Required YOUR ACTION IS REQUIRED-PLEASE FOLLOW THESE INSTRUCTIONS Our records indicate you currently hold Qwest Communications International Inc.common stock certificates that have not been converted to CenturyLink,Inc.common stock at a ratio of 0.1664 to 1,effective April 1,2011,In order to receive your CenturyLink Inc.common stock,cash-in-lieu of a fractional share,and any future dividend or distributions the Board of Directors may declare, you MUST return these certificates.If you also hold shares of Qwest Communications International Inc.common stock in uncertificated form,these will be automatically exchanged upon the presentation of your below listed certificate(s).To receive the new CenturyLink,Inc.uncertificated common shares for your certificated shares,please follow the instructions below. F1 Sell All My Shares-1,the undersigned,owning fewer than 100 shares of CenturyLink,Inc.common stock,do hereby Purchase Additional Shares -1b purchase authorize the sale of such shares as indicated.I also agree to the terms of the program described in the FAQ,and I ❑ additional shares please call 800-969-6718. remove any previous stops I may have placed on such share(s). Lost certificates: If you cannot locate some or all of your certificates,read and complete Box A-Lost Certificate(s)on the back of this form and mark the boxes below with an X corresponding to the certificate numbers you cannot locate.You must also sign this form in Box A.You must have your signature(s)notarized if you have lost more than 3,756 shares.All registered holders MUST sign exactly as the name is printed above.If your lost certificates)is(are)part of an estate or trust,or are valued at more than$250,000,please contact Computershare for additional instructions. Step 1. Your Owest Communications international Inc.common stock certificates: Locate the listed certificates. Lost Certificate Numbers Shares Lost Certificate Numbers Shares ❑ QW128516 333 Other Certificate Total Total Certificated Shares Above Shares Held By Us Total Shares 4 333 0 333 Step 2. Signatures:Sign and date this form.The names of the registered holders are listed in the Name and Address at the top of this form, All registered holders MUST sign exactly as your name(s)appears above. Signature of Owner and U.S.Person for Tax Certification Signature of Go-Owner(if more than one registered holder listed) Date(mm/ddlyyyy) 333 EXOTFBO C T L T 0 6 + 01B5AH 113788_CTL_PRODBCT 1_DOMESTIC_3t009004f036073 D- reyfus A BNryY Mellon Company''" September 10,2012 JAMES D BOGAR ATTORNEY AT LAW ONE W MAIN ST SHIREMANSTOWN PA 17011-6327 RE: Dreyfus Accounts): 0058-XXXXXX7357 Registration: RUTH E EVINGER Reference Number: 9593263180/2892928 Dear Attorney Bogar: Thank you for contacting Dreyfus Shareholder Services. We would like to confirm that a full redemption was processed from the above account on September 4, 2012. The check was sent to you at the address listed above. The above referenced account was established as of May 18,2011. As of the close of business on August 3,2012,the above referenced account was valued at$52,061.84. This value is based on a balance of 3,091.558 shares at the Net Asset Value(NAV)price of$16.84 per share. Changing market conditions may cause the NAV price to fluctuate on a daily basis. Therefore,the account value is subject to change. At Dreyfus,we appreciate the opportunity to assist you. If you have any further questions,please contact one of our Service Representatives at 1-800-645-6561,Monday through Friday,9 a.m. to 6 p.m. Eastern time. Sincerely, Jo-Anne Morse Shareholder Services Specialist III rim,Use;?: ,:e,` Sinn.in M1§'we Y!"I"Ho �qle Search Wet? { (lihic IN` s:;NG NEWS PERSONAL.FINAN c. � i M P 0 R 0 L EC- �—�Y L,S,v�S Get Quotes Finance Search T^ 4"... .. Dow 4.0.14%Nasdaq 4r0,08°% PYI plattlfb lTl It ", ;- GET MORE ON T id,.ftt;,e 1 ��.. Fiafily. * FTF2 AnwrArade Cs I k7 E*Ti.RAL}c" . Frontier Communications Corporation(FTR)-N.as.dagGS Add to Portfolio Like 149 4.863" 40.04(0.82%) 4:OOPM EDT I After Hours:4.86 0.00(0.00%)4:16PM EDT-Nasdaq Real Time Price Historical Prices Get Historical Prices for:i Set Date Range Start Date: Aug 3 2012_ Eg.Jan 1,2010 Daily VOTE FOR Weekly End Date: Aug 3 2012 Monthly YOUR ' �" Dividends Only Get Prices f ,a ri sl Previous l Next(Last Prices Date Open High Low Close Volume Adj Close While Politicians are Aug 3,2012 4.47 4.48 4.36 4.40 7,868,700 4.31 distracted with the Close price adjusted for dividends and splits. election,we discov- ered a critical First l Previous(Next l Last mineral that has quietly fallen under Download to Spreadsheet China's control.It will power every- Currency in USD. thing from your iPhone to electric cars.America has had no mines and zero reserves-until $4.42 median Price now!We found a x 159 Number of Shares new US mine with an est. million tonne $702.78 Date of Death Value deposit) Find out Wtlfl-lCnQl!`#Eng could make you rich. CLtCr H;ET.E To READ THE FULL REPORT Nicr�capMarke[piace.ccrn ,oPyr 7. ...112 Y.f%<,-,i inc. t. 1i la,,Ruicy-Ab,,tlrc Al, T i,i::-.for me r,r. V:r lo f .;.n: Nit..News Ne.vvork Ov^Jes a; real-time,,,,fvF;SDA%2.NYSE,a id N'.'Sr MKT See a'so c.a,y f...+v5^or;[lie,e..or,Ies-4. ..��iU:., c., "a_ f,.r:„...aF:,.:a pu _� ,r „:i,t ended f...t-tiny PurTos ,o adree Ne:the Ya o.a:, .nJ ras a, ...re. ti fo_a7v ,s. .,,�,t pl_.._.......o:oe, ., m-gin,_ -- �.._,__.. ..�..;,, i.. „Em.B,RW-.,e..singt ,.o�”vlie.y3l� - _ tt•_ .J the..,r 1.,�.�-i-u _ .,,,_ ..,ii,'ic M, -.r,.�,w. .�_-.. - o , t.. Y_ :o'r, Gire!TrnC ouc'es cn o,0u .,D', 7 ., .ua!3w.-ice..,,i. ..art^a"?' s p ...... ; w .,fvin nr: _ oe�' cv http://finance.yahoo.com/q/hp?s=FTR&a=07&b=3&c=2012&d=07&e=3&f 2012&g=d 10/11/2012 Transfer Wizard for Authorized Representatives r - 1 ralisler Sharos Tra,—;fer Help Contact Us >1. Type of Transfer >2. Transfer Instructions 1. New Account Instructions>4. Review And Finalize>5. Confirmation Current Account{assets to be transferred out to new owner(s)or account(s) Company Name FRONTIER COMMUNICATIONS CORPORATION Holder Name(s) RUTH E EVINGER Address 1802 ANNA STREET NEW CUMBERLND PA Account Number C0006752705 Zip Code 17070-1205 entail Address Not on file Country UNITED STATES New Holder/Recipient What's this? Please indicate the number of new holders/recipients to whom shares will be transferred: Shares Available for Transfer What's this? Please select the TOTAL number of shares that you wish to transfer, * When transferring all shares,please note that the printed form will only reflect whole shares but any fractional shares will be processed accordingly. Note to Investment Plan participants: If you are electing to transfer all shares from an account currently enrolled in an Investment Plan, when you print the form that will generate once the steps of the wizard are completed,an Investment Plan Enrollment section will appear on the form for any new account. If this section is not completed for the new account or if the transfer is submitted using another method, then typically any remaining fractional share will be sold. Sales fees and commissions will be deducted from the fractional shares sold according to the terms in the Plan Prospectus. Description Register Balance Shares To Transfer All available shares COMMON STOCK 159.000000 Specific Amount None Total Shares Selected for Transfer 159 li Cancel Logout < Previous 11 Next> Copyright(0 2012 Computershare Limited. All rights reserved. Terms and Conditions I Privacir https://www-us.computershare.com/TransferWizard/Transferinstructions.aspx 10/11/2012 LSI Historical Prices I LSI Corporation Common Mock Stock- Yahoo! finance � rage i'oz i New User?Register Sign In Help Preview Mail wJ YE Toolbar Mail My 1" Yahoo''' Search Search Web i HOME INVESTING NEWS PERSONAL FINANCE MY PORTFOLIOS EXCLUSiVE� S_---I� ELECTION 2012 Get Quotes Finance Search Tue,Nov 6,2012,12.35pm EST-US Markets close in 2 his and 25 nn'nn8 Dow t1.231 Nasdaq t0.69% yak E+,y f r •r ' d�� TR DE Amerittrade Y r • OPEN AN ACCOUNT [kTkHDL SFCUMrtK2 ttG LSI Corporation(LSI)-NYSE Add to Portfolio Like 37 7.07 10.10(l.43%) 12:34PM EST-Nasdaq Real Time Price Historical Prices Get Historical Prices for: r GO, Set Date Range r i 4 Daily Start Date: Aug.+ 3 2012 Eg.Jan 1,2010 C,Weekly End Date: Aug +. 3 2012 m Monthly 5r; WA Dividends Only ESTAGet Prices r First 1 Previous i Next Last AQUI Prices i I Date Open High Low Close Volume Adj Close' Aug 3,2012 7.12 7.33 6.96 7.29 12,411,800 7.29 'Close price adjusted for dividends and splits. QUE First 1 Previous(Next Last i M • ,Download to Spreadsheet Currency in USD. $7.14 Median 34 NUMber of Shares $242.76 Date of Death Value t Capyrigh*,v,2Q12'x anc�t to.i.9 rights reserved-Privacy Pakcy-'bout our Ads-Terms of Service-Copyrig iMP Policy-Send r'eedtraa-Yahoo!-/-BC News Network Quotes are real-time for NASDAQ 14YSE and NYSE Il See also delay times for other exchanges.All infor!118hon provided"as is"for infonnanonal purposes only,slot intended for trading purposes or advice,Neither Yahoo'nor any of independent providers is liable for any informa:ion8!errors,incompletenes.or delays.or for any actions taken in reliance on information contained herein,By accessing the Yahoo,site you agree not to.edsrlrbute the information found therein.Peal-Time continuous streaming quotes are,available through our p,enSum t>ervipe.YgLi maV Turn strearnung quotes on or ef`,- Fundamentai company data provided by Capital 11.Historical than data and daily updates provided by Gommocify Systems,inc.fCSij Inrematfanak histgnoa!char€data,daily updates,fs.nnd sumonary,fund petlonnance dividend data and tAorninastar l,ldex date provided by 04omingstar,hnc. http://finance.yahoo.com/q/hp?s=LSI&a=07&b=3&c=2012&d=07&e=3kf=201.2&g=d H/6/2012 �jI TM Computershare L /� Computershare Trust Company,N.A. (� PO Box 43078 t/ Providence,R!02940-3078 Within USA, US territories 8 Canada 866-243-7347 Outside USA,US territories&Canada 312 5884147 —' 004030 www.computershare.com/isi �!lill)1!!1!,ll,u LSI Corporation is incorporated under the e o laws Dft� RUTH E EVINGER 1 W MAIN ST CAMP HILL PA 17011-6327 Holder Account Number 03001148817 Company ID LSI SSNITIN Certified Yes L;S� Corporation aarect Registratcon`(DRS)Advice Transaction(s) Total Class Date Transaction Description CUSIP Shares/Units Description 02 Apr 2007 Push Out Credit Transaction 34.000000 502161102 Common Stock Account Information: Date: 05 Nov 2012(Excludes transactions pending settlement) Current Total Direct Shares/ Price Value($) CUSIP Class Registration Units Per Share Description Balance 34.000000 34.000000 6.970000 236.98 502161102 Common Stock IMPORTANT INFORMATION—RETAIN FOR YOUR RECORDS. This advice is your record of the share transaction in your account on the books of the Company as part of the Direct Registration System. This advice is neither a negotiable instrument nor a security,and delivery of it does not of itself confer any rights to the recipient It should be kept with your important documents as a record of your ownership of these shares.No action on your part is required. The IRS requires that we report the cost basis Of certain shares acquired after January 1,2011. If your shares were covered by the iegislation and you have sold or transferred the shares and requested a specific cost basis calculation method,we have processed as requested. If you did not specify a cost basis calculation method,we have defaulted to the first in,first out(FIFO)method. Please visit our website or consult your tax advisor if you need additional information about cost basis. Upon request,the Company will famish to any shareholder,without charge,a full statement of the designations,rights(including rights under any Company's Rights Agreement,if any),preferences and limitations of the shares of each class and series authorized to be issued,and the authority of the Board of Directors to divide the shares into series and to determine and change rights,preferences and limitations of any class or series. Assets are not deposits of Computershare and are not insured by the Federal Deposit Insurance Corporation,the Securities Investor Protection Corporation;or any other federal or state agency. If you do not keep in contact with us or do not have any activity in your account for the time periods specified by state law,your property could become subject to state unclaimed prop"laws and transferred to the appropriate state. 4 0 U D R L S I + 001-15AB(Rrcv.1/11) Please see important PRIVACY NOTICE on reverse side of statement o°ICS0003.d.mix.04220o_3791/004030r004030PP Ncv°U Lr-, Srl t in - ;duo,,ado to Sae:;E,; V-,. `Y+ Search Web :i0£V:E IN STIN .� NEYv'S � .ERSQN _r�!AINIC4 � rr`:Y P x-�-Oi_CCS �" tt'ES Get Quotes Finance Seams Dow t0,61%Nasdaq te.77 r FREE t..M 200TwwES ;tti AZ"K :a.� . p,i Rrl1GrlLt'Hdll' uc PNC Financial Services Group Inc.(PNC)-N,,,sE Add to Portfolio DFe 32 65.11 -t 0.56(0.8x6%) 11:03AM EDT-Nasdaq Real Time Price Historical Prices Get Historical Prices for: GO' AdCnoices Set Date Range _ s Daily Start pate: Aug 3 2012A Eg,Jan 1,2010 Weekly i+j INTRODUCING End pate: Aug 3 2012 ?Monthly . 'z E NEW Dividends Only I Get Prices,:, ; First I Previous I bier[ Last Prices Date Open High Low Close Volume Adj Close` Aug 3,2012 59.40 60.46 59.18 60.25 3,080,200 60.25 Close price adjusted for dividends and splits. First I Previous I Next f Last ADawnioad to Spreadsheet �,jU , 1 Current y in USD. Y imaih usin 4,`tiletr,.gacal m �fg4,/7 help d stlppn e x 'vtW[[F�IaS$resCe7'tfie $59.82 Median Price X950 NUMber of Shares $56,829.00 Date of Death Value No t r � . T LP,TO catch r il'. h:r....atw d.-,iv=,, rA y soli=.^.,w Ae. 'rrn:.;;_ervarz r lu .�,- F ,_, o.di—„«:..Yahoo! 3'..NeV:y INetWorK Quotes Pre real-time to-NASDA:,2 NYSE and NYSE MIKi See also :elav t::”e,,.,;otner exchanoes A! i-,,,n_,ation r,.,:!,:.,d'as k- ,for:nror.raticna;pt.:p_scS o.,r,;:i-ii:_ndec for,rzdi^,4 pu-poses or adv;cc Ne�thei taro-r ror an,,„ nct,;,, scent„ "wr,is:a„'.:fo an,.,, n:ati„na-.,r..;.s t..ornple;egess.3, c:for aril actoris taker, ref"an.e o.t voa ma.+c. .,c.:_ar- ,.,tr rn &,asoessmg t.a Yaho„ i _nc,, .,_a s.-._ute m`0 fra,or ...r..,m.ng dr_. �at:l,,hr, _u'c�re,, _....... .... rnsamino ry rn ,cr}a cff. Fur-_a rnema ,.o..;pa't;,:at, .....:..z I L. i atc i..n _han da,r�. .,.:mac"�:,,,:aye.,^ .t„�;;. ",.. __P, „, �5 .� .,._ ,_._,_a C.nr .. .urns: ,u, ,-”o ..noe „, _r,._..,_,. ...:. ,nu a ..mss v� c, .,��_ http://finance.yahoo.com/q/hp?a=07&b=3&c=2012&d=07&e=3&f 2012&g=d&s=PNC... 10/11/2012 ® PN C Computershare The PNC Financial Services Group PO Box 43078 Providence, RI 02940-3078 IMPORTANT TAX RETURN DOCUMENT ENCLOSED Within USA,US territories 5 Canada 800 982 7652 Outside USA,US territories 8 Canada 312 360 5235 014123 =_ 1111IrnIlillrlllllnilrnilrrrlrrlrllnluiilrllllllllrtllnlrlr Recipient RUTH E EVINGER 1802 ANNA ST Holder Account Number NEW CUMBERLND PA 17070 C00109238559 I N D Record Date 19 Oct 2011 Check Number 0000204025 SSNITIN Certified Yes (IOIC'S0005.1))MI,N(1 l'(il.I'NC,I 1214241315/01-4123/014123/i The PNC Financial Services Group, Inc. - Combined Dividend Payment 12011 Tax Form,1099-DIV F1 Corrected(if checked) Account Number C0010923859 Form 1099-DIV-Dividends and Distributions 2011 Copy B- For Recipient Recipient's ID No.ending in —'-3405 Payer's Federal ID No. 25-1435979 This is important tax information and is being furnished to the Internal Revenue Service. If you are required to file a return,a negligence OMB No. 1545-0110 penalty or other sanction may be imposed on you if this income is taxable and the IRS determines that it has not been reported. Deoartment of the Treasury-lntemal Revenue Service Recipient RUTH E EVINGER 1802 ANNA ST NEW CUMBERLND PA 17070 1a Total Ordinary 1b Qualified 3 Nondividend 14 FEDERAL INCOME e Foreign Tax u Foreign Country a Cash Liquidation Dividends($) Dividends($) Distributions($) TAX WITHHELD($) Paid($) I or U.S.Possesson I Distn.($) Payer's Details 332.50 332.50 0.00 0.00 0.00 THE PNC FINANCIAL SERVICES GROUP C/O COMPUTERSHARE PO BOX 43010 PROVIDENCE RI 02940-3010 Form 1099-DIV (Keep for your records) Dividend Confirmation Payment Date Class Description Participating Dividend Gross Deduction Deduction Net Shares/Units Rate Dividend ($) Amount($) Type Dividend ($) 05 Nov 2011 COMMON STOCK 950 $0.35000 332.50 0.00 N/A 332.50 Year-To-Date Paid 332.50 0.00 332.50 4 6 U T X P N C + -101CD70006 OORX6A-PP-(F2) HGPAX Historical Fund Quotes - Pyxis Government Securities Fund Cl A Historical Fun... Page 1 of 1 I---"= . --i E^terSynnnoisaiKeywords Ea.Rf:H I� Latest News Vie,vAtI C ormnerawy: Writing On The Wall f shone vie tv to i:.come=-xes^ I ,in t t Ire,. Sr tr ci,ld v i In r-nr DAVID WEINER 19 ,,,,hw t> inn .rat t rain Europe, For a moment,Wall Street on edge .fe t.ends.,v& .ISts sr a .: f-fo E about hur_k -� eg,t;at 'at kept t�e Ni-TdrrK n5tnr okJO (7O1 `S t)A4 SKh' r ..i ;, it rac d Strr,r., a .,'j 148 ,�.ieo u_ds ^.6,. .4 460 NEW YORK MARKETS CLOSE IN:0:34:16 BULLETIN Charles Schwab,TD Amentrade closing some European businesses dltter i-'cuCrs?review VUinner>arrtl Losers lbday's Schedule Home News Viewer Markets investing Personal Finance industries Economy/Politics Trading Deck f Log In T Portfol i o A;er;s Gaines Stocks Funds ETFs Options Bonds Commodities Currencies Futures Getting Started MarketWatch Adviser Premium)Newsletters Hulbert Interactive Research Tools ..... 3 rvp itmerttrado No platform fees. TRADE Set Alerts Find a S oker t Enr:;r S-inat.i al'Keyword G� Pyxis Government Securities Fund CI A Add to Portfolio MFD:HGP>AX OVERVIEW HOLDINGS NEWS CHARTS Iii fORIC,,LQUUTES uE � Oct 3,2012 YTD return hla 52 week low 52 week high $8.92 0,00 0.001 5 yr avg return nta $8.63 F $9.42 Total net assets 82.30M A S O Enter Date 08(03/2012 Set Historical quote for: HGPAX Tuesday.October 04.2011 - - 9.50 Closing price. 9.41 10,362.382 Shares Open: 9.4 t 9A0 X 8.92 High: 9.41 92,432. Date of Death Value Low: 9.41 Volume: 0 '-9.20 -- P.10 _ O N. MarketWatch.com �£mer Symbols or Keywords SEARCH Site Index Company info MarketWatch on Facebook WSJ.com Financial News Online Topics Code of Conduct Barron's Online ! WSJ.com Small Business Help Corrections 6igCharts MarketWatch on Twitter Feedback Advertising Media Kit Virtual Stock Exchange - Newsroom Roster Advertise Locally r All Things Digital Media Archive License our Content RSS Premium Products Broker Center podcasts Mobil. Your Ad Choices F a http://www.marketwatch.com/investing/fund/HGPAX/historical 10/4/2012 PYXIS FUNDS Year-To-Date Statement January 01 through September 30,2012 Page 2 of 2 Transaction Detail. by Fund Registration Fund Name Fund Number Account Number RUTH E EVINGER Pyxis Government Securities Fd A 026 0001866128 Current Cost Basis Method:Average Cost Single Category Transaction Transaction Number of Share Dollar Total Date Description Shares Price Amount Shares 01/01/12 Beginning Balance $8.82 $91,271.68 10 348.263 01/,31/12 Dividend-Reinvest 2.253 $8.83 $19.89 10 350.516 02/29/12 Dividend-Reinvest 2.883 $8.78 $25.31 10 353.399 03/M/12 Dividend-Reinvest 2.991 $8.70 $26.02 10 356.390 04/30/12 Dividend-Reinvest 2.126 $8.80 $18.71 10 358..516 05/31/12 Dividend-Reinvest 2.166 $8.96 $19.41 10 360.682 �... 06/29/12 Dividend-Reinvest 1.032 $8.93 $9.22 10 361.714 07/31/12 Dividend-Reinvest 0.668 $9.00 $6.01 10 362.382 09/04/12 Transfer Out 10,362.382-. $8.97 $92,950.57- 0.000 --•• 026-0002062933 09130/12 Ending Balance $8.92 $0.00 0.000 V WNDX Historical Prices VANGUARD WINDSOR FUND Stock- Yahoo! Finance Page 1 of 1 Now User?2 =3ter Sign In ...., Preview Mail w,Y'Toolbar A'v;d M, S e.:.1 Search Web HOME INVESTING NEWS PERSONAL FINANCE MY PORTFOLIOS EXCLUSIVES Get Quotes Finance Search T A ci B._ ,pn ED T-;'S x:_s a*e =oszd Dow X0.08%Nasdaq t0.25°!° f Amerrtrade Free Independent �+ research Vanguard Windsor Investor(VWNDX) Add to Portfolio 14.26t 0.02(0.14%) Aug 8 Historical Prices Get Historical Prices for. GO, AdChoiges Set Date Range 6 Daily Start Date: Aug 3 w 2012 ^m Eg.Jan 1,2010 Weekly End Date: Aug 3 2012 Monthly P Dividends Only Get Prices l i First Previous I Next I Last ! LIVE UNITED Prices fr Date Open High Low Close Volume Adj Close` Aug 3,2012 14.03 14.03 14.03 14.03 0 14.03 LIVE UNI `Close price adjusted for dividends and splits. First I Previous Next Last Download to Spreadsheet GIVE. Currency in USD. VOLUNTEER. 1,037 Shares X 14.03 LIVE UNITED,. $14,549.11 Date of Death Value �VisitliveUliited.Drg j to learn hour I C:cpyng t 1012 Yahoo.Ir>u.Aft �h.;r�srsJ.-n,.—y Puimy Al­ Our Ads-T,,,i,s Yahoo!-ABC Ne'w's Network Quotes for NYSE,Nasdaq and NYSEAmex are Real-time and sourced from Nasdaq Last Sale when available.If not available from NLS.quotes will appear delayed from onrn,ary IsT:nq source. See also delay times for other eg.han:-.. ;.O.iotes and„the-information supplied by ndeoe:de it orwo.,s iden:..ad on the Yaroo!Finance partner page.Juotes are updated au tomatical':y,but wiiI be turned off after 25 minates or ina tii;y.Quotes are do ayed at least 15 minu...,> All in,=?tior provide.: as is"for informational purposes only,rot in„ded tir,radn pumo�,e_or Nether Yahoo!ror any of done men , .,oo,s is u.ble f.,. I com,.Iizr.-ne>,,orde'awz o ioi,o.s taken in re,anc.,on .tUrmat u. c,; :a_-.c 71ei.;:f1.By ac,.esnq the ah^e! .r you agree not to Ied,strtbute the inforr on found th re.n. Furda.enral C07T,pany data pro :dec by Ca itai!Q.His;o i;al chart data and oaiiy updates pr;,v ded by Comrnodit y S,..e :s..mc,-;CSI;,Ire -.,o na: sro.cal.,ha?d a..aoir updates,fi-nd summary. no.rer .;ance.a v cerd data anC M.,e n t3, lruex c v.,tided by Manin_ gar.Irc. http://finance.yahoo.com/q/hp?a=07&b=3&c=2012&d=07&e=3&f=2012&g=d&s=VWND... 8/9/2012 y O y �y o ao� ^� 4 mss n °a m n ca !T n C� C c r„ 7 2a (n ~ ` f_ -4 c ! 4 a r7 m � o � 'ti17 c o - z � o � o YH m Lo .L4 r` b n �m co z ? : ro'> p r; s b Z O �t �rU x x er R- . revwe .aP sa' Search Web I DME fiat -r,-#h= N'INS � PEF,::ON'S:..FINANCE kI P 7 D-1; Get Quotes p DowFinance�;cprj�pti .. ....-.. - _ :... .. -. .. :J{Sw i 0.6()%. Nasdaq tO.70%o r'7777777777 r16�E'61P�/ za: :.e'.'u.e �.; FRMT «rr j j Rmrattitrade C .C':a"a E*MAK SECURnW LLC Verizon Communications Inc.(VZ)-1,'S, Add to Portfolio UJ e ace 45.35 10.43(0.95%) 11:02AM EDT-Nasdaq Real Time Price Historical Prices Get Historical Prices for i GO I 1iC hplCeS - Set Date Range s Daily A JAW-DROPPING start Date: Aug:,- 3 2012 Eg..lan 1,2010 Weekly End Date: Aug 3 2012 Monthly Dividends Only FGet Prices I Firs:(Previous I Next(t.aet Prices '`Yrlty ssr Date Open High Low Close Volume Adj Close I Was stunned.A Aug 3,2012 45.13 45.14 44.34 44.46 12,997,600 43.98 stock that's poised Close price adjusted for dividends and splits. to accumulate perhaps the most First I PreviOLIS I Next 11_ast valuable mineral in the world. It's used .Download to Spreadsheet in Phones,lithium batteries,laptops, Currency in LSD. electric cars,solar power,cells phones and more. China secretly grabbed $44.74 Median Price 691/6 of the market. X 664 Number of Shares It's more valuable than oil.The race is $29,707.36 Date of Death Value pa It's too good to pass up, it could lead to outstanding profits. CLICK Ham:TO TKA6 717E FULL.Ytc"F'OnT Mi crocapMarketplate.com -,F..C:..._. eiv-,Tk Quotes are real-time fa,NASQnQ NYSE.and IIUSE MKT.S_. ,o r lav tine, .other exc a.ges.A!'.,.,u lion nr �,.-ed'a i_ no,,I:,:_ ded ic,uariing rrroses ar ad:rce.Newt he at;c,!n ,a..,o _ _., n,,.':oarz is i ._for ar,, ., .,,_r�..�ra«:r-,,..s u�i.,.ic,.� o d,:,i4 .o.:o ..��}c-z ten.,.�,kr.t I�a.-;i..nc_.or a.,r. 3o. ,.a:ted ne.'eir.B a.::_,;,..,:.a irze �r.:,... t_.t,.._..,. _.,5. _�._.:.�,..,..,>:.rs;:pn ,,.. Real T. ,.. -;.r-.w ?_,1;,: u.=__,r..-: stream^ que?cs.cr or cn. http://finance,yahoo.com/q/hp?a=07&b=3&c=2012&d=07&e=3&f=2012&g=d&s=VZ&... 10/11/2012 Transfer Wizard for Authorized Representatives Tra aster Snares Transfer Ht1 1p Contact L s >1. Type of Transfer >2. Transfer Instructions >3. New Account Instructions>4. Review And Finalize>5. Confin-natiorn Current Account (assets to be transferred out to new owner(s)or account(s) Company Name VERIZON COMMUNICATIONS INC. Holder Name(s) RUTH E EVINGER Address 1802 ANNA STREET NEW CUMBERLND PA Account Number C0010683751 Zip Code 17070-1205 eMail Address Not on file Country UNITED STATES New Holder/Recipient What's this? Please indicate the number of new holders/recipients to whom shares will be transferred: ®.P Shares Available for Transfer What's this? Please select the TOTAL number of shares that you wish to transfer. * When transferring all shares,please note that the printed formm will only reflect whole shares but any fractional shares will be processed accordingly. Note to Investment Plan participants: If you are electing to transfer all shares from an account currently enrolled in an Investment Plan, when you print the form that will generate once the steps of the wizard are completed, an Investment Plan Enrollment section will appear on the form for any new account. If this section is not completed for the new account or if the transfer is submitted using another method,then typically any remaining fractional share will be sold. Sales fees and commissions will be deducted from the fractional shares sold according to the terms in the PIan Prospectus. Description Register Balance Shares To Transfer All available shares COMMON Y Specific Amount STOCK 664.000000:, None *Original certificate(s) must be submitted for your transfer to be processed. Total Shares Selected for Transfer 664 j Cancel/Logout 1 { Previous I { Next> I Copyright O 2012 Computersliare Limited. All rights reserved. Terms and Conditions f Privacy https://www-us.computershare.com/TransferWizard/Transferinstructions.aspx 10/11/2012 Rev-1508 EX+(11-10) SCHEDULE E Pennsylvania CASH, BANK DEPOSITS, & MISC. DEPARTMENT OF REVENUE INHERITANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER Evinger, Ruth E. 21-12-0906 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the right of survivorship must be disclosed on schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Citizen's Bank-CD#6140728029. Date of death balance$25,000.00;accrued interest$18.82 25,018.82 2 Fulton Bank-CD#052-0224793. Date of death balance$38,500.00;accrued interest$2.64 38,502.64 3 Fulton Bank-CD#052-0224797. Date of death balance$54,500.00;accrued interest$4.73 54,503.73 4 Fulton Bank-CD#052-02224801. Date of death balance$40,000.00;accrued interest$2.74 40,002,74 5 M&T Bank-Checking Account No.9852321711. Date of death balance$25.02; accrued 25.02 interest$0.00 6 M&T Bank-Savings Account No.15004222179168. Date of death balance $30,300.88; 30,303.04 accrued interest$2.16 7 M&T Bank-CD#31003913918826. Date of death balance$55,000.00;accrued interest$3.17 55,003.17 8 M&T Bank-CD#31003913918181. Date of death balance$25,000.00;accrued interest$4.28 25,004.28 9 Metro Bank-Savings Account No. 626041032. Date of death balance$320,796.60 320,796.60 10 Metro Bank-CD#120000550. Date of death balance$40,000.00;accrued interest$13.75 40,013.75 11 PNC Bank-CD#31500212116; date of death balance$50,000.00;accrued interest$0.97 50,000.97 12 PNC Bank-CD#31200257684. Date of death balance$40,000.00;accrued interest$2.87 40,002.87 13 PNC Bank-CD#31700289885. Date of death balance$45,360.89;accrued interest$1.87 35,362.76 14 PNC Bank-CD#31100314173. Date of death balance$33,635.27;accrued interest$1.67 33,636.94 15 PNC Bank-CD#31700330046. Date of death balance$78,083.75;accrued interest$0.00 78,083.75 Total of Continuation Schedules See attached pages TOTAL(Also enter on Line 5, Recapitulation) 2,252,726.26 (if more space is needed,additional pages of the same size) Copyright(c)2010 form software only The Lackner Group, Inc. Form PA-1500 Schedule E(Rev. 11-10) Rev-1508 EX+(11-10) SCHEDULE E pennsylvania CASH, BANK DEPOSITS, & MISC. DEPARTMENT OF REVENUE INHERITANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT continued ESTATE OF FILE NUMBER Evinger, Ruth E. 21-12-0906 ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 16 PNC Bank-Checking Account No.5140161693. Date of death balance 184,960.04;accrued 184,961.29 interest$1.25 17 Sovereign Bank-CD#1685265082. Date of death balance$65,000.00;accrued interest$8.44 65,008.44 18 Sovereign Bank-CD#1685410969. Date of death balance$50,000.00;accrued interest$2.88 50,002.88 19 TD Ameritrade -Account No.757617023. 678,905.87 20 Wells Fargo-CD#XXXXXXXX0447. Date of death balance$30,001.35;accrued interest$9.53 30,010.88 21 1995 Pontiac Bonneville-per attached appraisal 3,100.00 22 Personal Property-per appraisal 5,160.00 23 Personal Property-sold at auction 9,699.00 24 Nationwide Insurance -car insurance refund 106.80 25 Nationwide Insurance-Refund 19.00 26 PA American Water-Refund 56.07 27 PNC Bank-refund from close of safe deposit box 37.50 28 UGI-Refund 144.83 29 MetLife-Annuity Contract No.A2073198. 302,036.53 30 Western National Life Insurance Company-Annuity No. 6X202902. 57,216.09 Copyright(c)2010 form software only The Lackner Group,Inc. Form PA-1500 Schedule E(Rev. 11-10) at" i izens Bank4, One Citizens Drive ROP112 Riverside, R102915 September 7,2012 James D Bogar Attorney at Law One West Main Street Shiremanstown PA 17011 Estate of RUTH E EVINGER Date of Death: Aug 03, 2012 SSN: 179-12-3405 Dear Sir/Madam: In accordance with your request,the attached information sheet has been provided in the above decedent's name as of his/her date of death. Per your request the decedent's account was not a roll-over type of account. For Installment Loans or Line of Credit accounts, contact our Loan Department at 1-800-708-6680. For all other inquiries,please call 877-579-2667 Sincerely, Kim A. Botelho Decedent Account Processing REF#: 559117 cm i izens Bank , Account Number 6140728029 Account Title RUTH E EVINGER Date Opened 5/22/1998 Account Type Time Deposits Principal Balance as of DOD $25000.00 Interest from Last Posting to DOD $18.82 Account Balance as of DOD $25018.82 YTD Interest to DOD $445.22 FultonBank LISTENING IS JUST THE BEGINNING.' August 24, 2012 James D. Bogar One West Main Street Shiremanstown, Pennsylvania Dear Mr. Bogar: RE: Ruth E. Evinger, deceased August 3, 2012 In response to your recent inquiry concerning the accounts maintained in the name of the decedent, please be advised that the following accounts were open at the date of death: DATE OF DEATH ACC CD# BALANCE INT RATE OPEN ROLL OVER MATURITY 052-0224793 $38,500.00 $2.64 0.25% 5/24/2012 5/24/2013 052-0224797 $54,500.00 $3.73 0.25% f/24/2005 /24/2005 5/24/2012 5/24/2013 052-0224801 $40,000.00 $2.74 0.25% 5/24/2005 5/24/2012 5/24/2013 * all above CD's are in her name only. If you should have any further questions, please do not hesitate to contact me at (717) 291- 243 7. Very truly yours, ,j Karen D. Hillegas Credit Inquiry Processor ii�0In t F I .. ;,31te 04 business cujgesy This ii—ii • 111 aCtal:`�;to f}i ;iilui f,*^ S^i5 fQr your con4iiet'ntl i ilSu�n4y �f fc iregeni or _ (� / .,i`-.i•i ,G ifi�r(r?lat;tir dDe-s 501 �f ja hie tangy, tl ni h!'1� t• �, ::;Gls�cu il' f� ll di �iF gualante es,� ul�t;yGG;, ': [ii,. c {`1 r i"Z�Ea `J �,..t j.�.� i'L\•.+il lli Y4K'•if Si1� I�' Cit:J.}�A i€iomnl4'IC Lixi}V li V. _ F agents. °Fe°ly1 1opi)`�on •u Fy�r E., Its.Ili iEvew'O ar f..�f l•JI'.�•'��i)O�Qi ge •. P f2 ba4sr� fv1 0? ai�h�'�t rctic. 1.800.FULT0N. tl6+ ' "ialtont5an�.com Fulton Bank,N.A.Member FDIC. Member of the Fulton Financial Family. MM&TBank 499 Mitchell Road,Millsboro,DE 19966 Adjustment Services Phone 888-5024349 Fax (302)934-29.55 August 23,2012 James D.Bogar One West Main Street Shiremanstown,PA 17011 Re: Estate of Ruth E. Evinger Social Security: 179-12-3405 Date of Death:August 3,2012 Dear Sir or Madam: Per your inquiry on August 17,2012,please be advised that at the time of death, the above-named decedent had on deposit with this bank the following: 1. Type of Account Checking Account Account Number 9852321711 Ownership(Names of) Ruth E Evinger Opening Date 02232010 Balance on Date of Death $25.02 Accrued Interest $ .00 Total $25,02 2. TypeofAccount Savings Account Account Number 15004222179168 Ownership(Names of) Ruth E. Evinger Opening Date 02232010 Balance on Date of Death $30,300.88 Accmed Interest $ 2.16 Total $30,303.04 3. Type of Account Certificate of Deposit Account Number 31003913918826 Ownership(Nantes c fl Ruth E. Evinger Opening Date 05262000 Balance on Date of Death $55,000.00 Accrued Interest $ 3.17 .........._.................. Total $55,003.17 4. Type of Account Certificate of Deposit Account Number 31003913918181 Ownership(Names of) Ruth E. Evinger Opening Date 0710711999 Balance on Date of Death $25,000.00 Accrued Interest $ 4.28 Total $25,004.28 For any additional information on the above accounts,including ownership and any changes,closures and/or reimbursement of funds, please call the Highland Park at 717-737-3322. We were unable to locate any safe deposit box for the above-mentioned decedent. This letter does not include any accounts in which the deceased may have been listed as Power of Attorney,Custodian of Uniform Transfers, Representative Payee,or Trustee under a Written Agreement. Sincerely, Valarie Mercer Adjustment Services METRO BANK 3801 Paxton Street 888.937.0004 Harrisburg, PA 17111 mymetrobank.com August 23, 2012 James D. Bogar, Jennifer B. Hipp& Lauren E. Bogar One West Main Street Shiremanstown, PA 17011 RE: Estate of: Ruth E. Evinger Tax Identification Number: 179-12-3405 Date of Death: August 3, 2012 To Whom It May Concern: This letter is in reference to decedent account information you requested for the individual listed above. We are able to provide the following: Account Type:Savings Account Number: 626041032 Date Opened: 7/11/2002 Primary Owner: Ruth E. Evinger Date of Death Balance: $320,796.60 Account Type:CD Account Number: 120000550 Date Opened: 1/9/2004 Primary Owner:Ruth E. Evinger Principal Balance: $ 40,000.00 Accrued Interest: $13.75 Date of Death Balance: $40,013.75 Please feel free to contact me at (717) 412-6127 if I may be of further assistance. Sincerely, —� v 1. Jennifer Jacobs Research Associate Metro Bank P . L DINCi E',ft-Y August 24, 2012 James D Bogar Esq, One West Main St Shirenianstourn,PA 17011 RE: Ruth F Evinger SSN: 179-12-3405 DOD: 08-03-2012 Dear Mr.Bogar: In response to vour request for Date of Death(DOD) balances for the customer noted above, our records show the folloAdng: Certificate of Deposit Account#31500212116 Established: 06-29-2001 RUTH E EVINGER DOD balance: 3 50,000.00+0.97 accrued interest Interest paid 01-01-2012 thru 09-03-2012$42.03 YTD Account#31200257684 Established: 03-11-2005 RUTH E EVINGER DOD balance. $40,000.00+2.87 accrued interest Interest paid 01-01-2012 thru 08-03-2012$36.64 YTD Account#31700289885 Established: 04-21-2006 RUTH E EVINGER DOD balance: $ 45,360.89+ 1.87 accrued interest Interest paid 01-01-2012 thru 08-03-2012 $ 34.1i YTD Account#31100314173 Established: 05-18-2007 RUTH E EVINGER DOD balance: $ 33,635.27+ 1.67 accrued interest Interest paid 01-01-2012 thru 08-03-2012 $ 25.32 YTD Account# 31700330046 Established: 08-05-2008 RUTH E EVINGER DOD balance: S 78,083.75 +0.00 accrued interest Interest paid 01-01-2012 thru 08-03-2012 $ 78.38 YTD Page 1 of 2 Checking Account Account# 5140161693 Established: 04-01-1979 RUTH E EVINGER DOD balance: S 184,960.04+ 1.25 accrued interest hiterestpaid 01-01-2012 thru 08-03-2012$ 10.03 YTD Investment Account The decedent maintained Investment Account# 1934542 . For iin-ther h- ori-'3+, i,you ay call the Brokerage Department at 1-800-762-6111. Safe Deposit Boa The decedent maintained safe deposit box#366 RUTH E EVINGER Located at: Cedar Cliff Mall Branch 1104 Carlisle Camp Hill,PA 17011 (717) 761-3180 Please note that this office provides date of death balances for deposit accounts(TRAs, CDs, Checking slid Savings). we do not process any financial transactions or provide statements- If you need assistance with any of these items,please call 1-888-PNC-BANK(1-888-762-2265)or stop by your local PNC Bank branch office. Sincerely, National Financial Services Center PNC Bank,N.A. Member FDIC This message is intended for the use of the individual or entity to m,hich it is addressed and may contain information that is privileged, confidential and exempt from disclosure under applicable law. Ifthe reader of this message is not the intended recipient or the employee or agent responsible for delivering this message to the intended recipient,you are hereby notified that any dissemination, distribution or copying of this eonznzunieations is strictly prohibited. If you have received this communication in error,please notify me immediately by reply or by telephone at 800-762-1775 and immediately destroy this faxed document. Page 2 of 2 Sovereigil Court Ordered Processing\Decedents- NMI-MB3-02-10 - P. 0.Box 841005 - Boston,MA 02284 August 24, 2012 James D. Bogar Attorney at Law One West Main Street Shiremanstown, PA 17011 RE: Estate of Ruth E. Evinger Date of Death: August 3, 2012 z Dear Mr. Bogar: Per your request, enclosed please find the account information as of the date of death forthe above-named decedent. For your information, accrued interest is not included in the date of death balance. Please feel free to contact me if I can be of any further assistance. = Very truly yours, Linda Spavento Team Leader 517-514-5189 Sovereign Bank ESTATE OF Ruth E Evinger SOCIAL SECURITY #: 179-12-3405 DATE OF DEATH: August 3, 2012 Account#: 1685265082 Type: CD Open date: 7/22/1996 In the name of. Ruth E Evinger Date of Death Balance: $65,000.00 Int.(YTD) from 1/1/2012 to 7/31/2012 $299.74 Accrued interest to date of death: $8.44 Other Info: Account#: 1685410969 Type: CD Open date: 5/25/2000 In the name of: Ruth E Evinger Date of Death Balance: $50,000.00 Int.(YTD) from 1/1/2012 to 7/31/2012 $102.17 Accrued interest to date of death: $2.88 Otherinfo: Page 1 of 1 r Amer itrade September 12, 2012 James Bogar 1 West Main St Shiremanstown, PA 17055 RE: Your request for Information Dear James Bogar, We recently received your request for the valuation of Ruth Evinger's account ending in 7023. Please accept my sincere sympathies for your loss. The valuation for this account was $678,905.87 as of 08/03/2012. This amount is a total of cash and cash equivalents, stocks, mutual funds and fixed-income securities. Please keep this letter for your records. If you have any questions, or if we can be of any further assistance, please do not hesitate to contact the Estate Department at 800-858-0387 extension 209112. We're available Monday through Friday from 9 a.m. to 5 p.m. ET (excluding market holidays). Sincerely, Estate Department TDAmeritrade TD Ameritrade understands the importance of protecting your privacyIVe are sending you this notification to inform you of important information regarding your account.If you've elected to opt out of receiving marketing communications from us,we will honor your request. This information is furnished as part of a general information service and TD Ameritrade shall not be liable for any damages arising out of any inaccuracy in the information.Because this information may differ from your TD Ameritrade monthly statement,you should rely only on the TD Ameritrade monthly statement as the official record of your TD Ameritrade account. TD Ameritrade does not provide legal or tax advice. Please consult your legal or tax advisor regarding tax consequences of your transactions. Distributed by:TD Ameritrade, Inc., 1005 North Ameritrade Place, Bellevue, NE 68005. TD Ameritrade, Inc.,member FINRA/SIPC/NFA.TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank.©2011 TD Ameritrade IP Company, Inc.All rights reserved.Used with permission. TDA 2827 L 08/11 1005 North Ameritrade Place,Bellevue,NE 68005 1 www,tdameritrade.com v 69 �, N h O gq j M o h N N s3 Q1 •�• D � O O QO N Aa fig v+ h w O O Cc f _O b h O b9 O. 6C O CC coc � CO `y Q O q h o a � � w � v o U � ti �CQ {° v L5 u z z o "3a �w q z ) § © Ln _ _ \ \ [ \ 6 ) is / ' \ 2 / \ ° ( \ t r j ) / \ / cl $\ / \ � C4 � \ d \ \) / � ) fie � / \\ / Uf . C4 . \\` . j a a { 5 :) y o . 3»<2 ° - t Z ƒ\ : \ \ \ \ \\ . d ® 9 . <\0 & 2 - ° ? ) ) \ 2 c u { S ( \ � \ � \ \ � 5 = , O w ? ) •\ / / 7 • g ; ® u m ct \ \ \ 5 \ § ) / j _,... ` .o,. 1 1 t. r -•--��ao.non..,*^,-rcm-*-*;-'^r�a-..m•.,,."..en-+-^; n��c,,m-,;m+r-,-,;?�>,nn ^',�. r ...r ,s„r r,... 1L� _... -. tis DEPARTMENT OF TRANSPORTATION r CERTIFICATE OF TITLE FORA VEHICLE I F L T y�3 ` GaVX52KqS4293864 I 951 PDiVTIAC 00832LD2 FV {� VEHICLE IDENTIFICATION NUMBER YEAR MAKE OF VEHICLE TITLE NUMBER BODY TYPE DUP SEAT CAP PRIOR TITLE STATE ODOM.PROCD,DATE ODOM MILES ODOM.STATUS DATE PA TITLED DATE OF ISSUE UNLADEN WEIGHT GVWR GCWR TITLE BRANDS }Y: ODOMETER STATUS - 0=ACTUAL MILEAGE 1=MILEAGE EXCEEDS THE MECHANICAL LIMITS;; `ter 2=NOTTHE ACTUAL MILEAGE 3=NOT THE ACTUAL MILEAGE-ODOMETER j - - - - -TAMPERING VERIFIED 4=EXEMPT FROM ODOMETER DISCLOSURE ( REGISTERED OWNERS) TITLE BRANDS c t j y A=ANTIQUE VEHICLE VEHICLE RU T H E E VT N V R D=COLLECTIBLE VEHICLE F OUT OF COUNTRY ' r• JA02 ANNE STREET G ORIGINALLY MFGD.FOR NON-U.S. ♦� DISTRIBUTION / IYEW, CUMBERLAND P 17070 H=LOGGING VEHIl VEHICLE 1''k L=LOGGING VEHICLE -= P.=IS/WAS A POLICE VEHICLE - fl=RECONSTRUCTED S=STREET ROD T=RECOVERED THEFT VEHICLE ` V=VEHICLE CDNTAINS REISSUED VIN W FLOOD VEHICLE FIRST LIEN FAVOR OF:. - SECOND LEN FAVOR OF: %=ISANAS A TAXI - { - 11 a second leinholder is listed upon.satisfaction of the first lien, the first' lienholder must forward this Till,to the Bureau of Motor Vehicles with the - FIRST LIEN RELEASED appropriate Corm and fee: DATE j BY - SECOND LIEN RELEASED AUTHORIZED REPRESENTATIVE DATE MAILING ADDRESS- .. .n..�. BY AUTHORIZED REPRESENTATIVE RUTH E EVINGER s 1802 ANISE STREET i s NEW CUMBERLAND P A 17079 BRAD -.3 i I certify as of the date of issue,the official records of the Pennsylvania Department BRA✓LEY L MALLORY -. of Transportation reflect that the persons)or company named herein is the lawful owner - �2C of the said vehicle. Z Secretary of Transportation SUBSCRIBED AND SWORN When applying for title with a co-owner,oth:, an your spouse,check one of - these blocks.If no block Is checked,title will be issued as"Tenants in Common'. T TO BEFORE ME' A❑ joint Tenants with Right o1 Survivorship(on death of one owner,title goes MO DAY YEAR to the surviving owner). B❑ Tenants in Common(on death of one owner,interest of deceased owner tf. goes to his or her heirs or estate). c SIGNATURE OF PERSON ADMINISTERING OATH ❑ 1ST LIEN DATE: ♦ IF NO LIEN,CHECK 1ST LIENHOLDER N-51 I - Q STREET CITY STATE ZIP FINANCIAL INSTITUTION NUMBER - 2ND LIEN DATE ♦ IF NO LIEN,CHECK r The undersigned hereby makes application for Cenificale of Trie to the vehicle descrioed above,subject to the encumbrances and other legal claims set forth here. 2ND LIENHOLDER STREET ; SIGNATURE OF APPLICANT OR AUTH OR!ZED Slu'NER CITY STATE ZIP ` SIGNATURE OF CO-APPLICANT/TITLE OF AUTHORIZED SIGNER FINANCIAL INSTITUTION NUMBER , b li r1FPm- e�,� /t..\r✓,-u.:: ,.,1 ...,.Y .,:_J -.;ti!LT ROWE'S AUCTION SERVICE 2505 RITNER HIGHWAY CARLISLE,PA 17015 717-249-1978 To: James D. Bogar, Esquire One West Main Street Shiremanstown, PA 17011 From: William G. Rowe,Appraiser Rowe's Auction Service 2505 Ritner Highway Carlisle,PA 17015 Re: Personal Property Appraisal Estate of Ruth Evinger 1802 Anna Street New Cumberland,PA 17070 Date: September 6,2012 AUTOMOBILE 1995 Pontiac Bonneville-fair condition-44,630 miles $3,100.00 FURNITURE Blanket chest $110.00 Upholstered chair $65.00 Grandfather clock $650.00' Bookcases $30.00 Bedroom furniture: 4 dressers-night stand-lingerie chest-vanity $450.00 Set metal stands $20.00 COLLECTIBLES Earl Blust painting $110.00 4 wall hangings-(3)needlepoint, (1)photo $65.00 Watering can $10.00 Brown pitcher $40.00 Stoneware jug-5 gal. $150.00 Stoneware crock-5 gal.-F.H.Cowden-decorated $350.00 Goebel figuirines(2) $50.00 Christmas glasses/dishes/manger scene $30.00 Walnut lift-lid box $45.00 Whales teeth(2)-Alaska Inuit Art $750.00 Poison bottle-small/blown-in case $90.00 JEWELRY(was appraised individually and in lots as found) Diamond ring/wedding band-2 pc set $200.00 Ladies gold watch $250.00 Small wedding bands(2) $115.00 Pocket watch $25.00 Opal ring $100.00 Tokens(2) $30.00 Rings-3 diamond/1 pearl/2 earring $750,00 Sand dollar necklace $125.00 Class ring $75.00 Evinger Appraisal 1 09/06/2012 Pins-fraternal/masonic(2) $65.00 Light gold chains $70.00 Wedding band (scrap)-gold value $75.00 Large engraved pin $40.00 Lot beads/pins/watch $25.00 Miscellaneous jewelry: Lot 1 $125.00 Lot 2 $50.00 Lot 3 $25.00 TOTAL $8,260.00 LWilliam G. Rowe Evinger Appraisal 2 09/06/2012 Rowe's Auction Service 2505 Ritner Highway Carlisle, PA 17015 717-249-1978 215-1044 574-1008 Oct. 9,2012 To: James D. Bogar,Attorney 1 W. Main St. Shiremanstown,PA 17011 From: Rowe's Auction Service 2505 Ritner Highway Carlisle,PA 17015 Re: Personal Property Auction Estate of Ruth Evinger 1802 Anna St New Cumberland,PA Total Sales $9699.00 Less 35% Commission -3394.65 Less Hauling Fee -65.00 Total Due $6239.35 William G.Rowe AYE wncTk pain V _... .t 3- Yaw t "rSS5 .'Y >k ... . .. _ wvr"arE OL OL tiz c Milo' s ', s Empire wKnA Marble-top ,:re . . i : caned . . . . : ;_.: < 30-.. ..'..' -.. f, J England 4 vVira vet .. Englisn tea .-. A fo. 07 11 t - _ 1 ..._ s. .. .. .. ... 4.:=.3. _. .. a ., r. ...� _ s. ... ,- Net due to sellers MY Tnany YCU For your busl7ess 0 - ,. ,., 0 P "+ . _, t .... DL __.. .board W m._.. , n. .+ b 1 aid... ..... ... DL sewing 10[-.. .... .v. ."•) .... h:.i i d is p-. _4 3L hasket M21 ) BL. — Fenton birc! .,... .W ..._ ?:E i -_. ... 1' .. v. �awe` s �urt � u� Ser* � cp 25�� Ritra/ r�'v! Cari � sl*, zA �7�1� 717-249-2�77` 245- l��8, E�� 4 ��4 w�w. rc�asa�ction�e.`vi.� e. com �ement Evin2er �a�e : 2 e� : 2 Item Description ori�+ Qty �ntaI �.....�����������������������`��� ����������������`����������������� oId Eooks cutters7grin� 1 12. 50 top - BL - kitchen 1 4. �Q lot/Anniversary - BL - fan/basket uIi) 1 15. 00 1. 0O - BL - buttons � BL - records 1 20. 00 sewing basket 1 17. 5r,.� - BL - Holy Bib2e/x-mas � 40. �� - E)�L 02, - FAL - hoUs en,� old/set of 1 22. 50 dishes blankets (all ) 1 12. 50 - BL - bathroom/kitzhen lot - BL - x-mas & Easter lot - BL - jar opener 1 4. 00 ' - BL - compute 1 12. 50 sterem system cups/misc i 30. 00 - B. - set of cc�hina 1 2 00 - 3 8L - linens . - BL - old quilt 1 ��9. 00 - BL - 1 12. 50 matches/Tupperware/toaste� - BL - oId frames/poker ci�ips 1 1. 00 - BL - offize lot/stuffe @ animals �lankets - BL - �alloween lot/�aoI lot houst oms ^ 14 00 bathroom/�itchen/wic�er - B� ` - BL - Qots/pan s r! h o ld,/c ff1 C,e � 18. 00 7. 00 mm� ei Auction 2505 Ritner Hwy w end 4'ii. r owe ,_a}_'.F.,`t i o n`.;,e:'v.€ .... ,..,. .._.o},,! lerN item Description Price Oty Tgtal. ...., BL _,.. copper s I E yr}e s r b.f o o k e'n d s 00 - BL - scanner 310 - BL - slides 2000 - BL - office/Penn State 400 5 knives — SL -- radios/phones/sheets — BL -k collector plates I i o. WO BL --' brit' an;. Lion/Willow i .z 5¢ 001 Trees _. BL -- Teddy b e.e.r" i. 00 — ',,if_ -.. household/slag glass tai. 017I mp spoons — ``L purses 1 ...« BL .-` tit m', o t-`t e, . h_ 'i= 1 - 4 c 0 h-D i Mahogany Double ladder 5. 0 0 ..., 7 s,cat i. ,� _... 00 ..._ Pick/rakes 6_ 0 it Sol I Sy Cart 5 ... _. Aluminum y. 0 v-6 leaf C✓'JL+'ate t +°h paint ladders OCK) 4. K.Iooden s Y ..'i .. i n.p _ qyigh quiTt/ppnn . watercolarE Walnut foRme W/Man..... Table 1 k P base .. f ?t; .i DE POP55inn coke Candlywian pmbe- pipe .._ :i t"3 L. ... local Rd.'' 20 Sao i DrInwale polio ;0' item Description Price Uty _._ Cherry btibia 1 90. 00 -- Antique caiiti. ,:. ba k t•7.,;-I'(?_�f 1 40.: 0 I1; Oak ext. table w/boards 120. 00; Light S. 0117D, H i g h a e i r..0 Ira.;':§ Mahogany 1-dr. stand 1 25. 00 Metal 2-dr. cabinet 1 30. 02'.j B a r r e 1 b%N(:`.k chair 1 30. 00 i r= Fan 1 35. 00 Blanket c i e s; - . s, 120. 01D _.. Caned chair/2 chairs _ _ _ - 1 20. 00 X7�� __ Metal wardrobe 1 1 8u 0;7.l __. Mission—style b e .a`µo 4.'m 1 6.. 00 — :)t o is l 1 3. 00 _ Magazine _:C r _w- x i _ ` s 4. 00 Stool ...,. C..._o .i a Ui - Marble-top coffee table 1 12. 00 quilt r'ctck 1 5. §' ... Cherry Tilt-top table 1 candle stand' 0 1*21*; 1-dr. _. -._. d_ - r n .. glass - Metal stand 0 7teTs ; ....,__. . _. : 3, 03 a. 0::-"!- d ' le,E onjusumnItA 1 , 2E A, �owe' s Auction Service 2��5 9itner �wy CarIisle, PA 17�� 5 r17-249-2677, 24�- 1978, 697-4794 www. rowesauctio�servi�e. csm ett �ement eIl*r: 2 | � Thank y u for your business Powps Auotion! � � i | | \ � . ! � . ^ ` | \ / ^ ' ' � � | ■ ■ WILile Inve.9tors USA ■ P.O.Box 14,93 Des Moines IA 5106-3f B3 Meftif I August 15, 2012 HOLLY OHARA FAX.717-730-2241 RE: METLIFE INVESTORS USA INSURANCE COMPANY CONTRACT A2073196 DECEASED RUTH E EVINGER Ocar Ms. Qhera: Thank you for your recent Inquiry regarding the contract referenced above. Our reoords indicate that the data of death and the account value on that date :ire: Date of Death. 08/03/2012 Account Value:$302,038.53 If you have any Questions, please contact your representative or call our Customer Service Center at 1.600.284-4536 Monday through Friday between 8:30 a.m. and 6:30 p.m., ET, Sincerely, Nicole Lee Annuity Representative -Post laaue Prace&Ning MetLife Annuity Operations aired Services WESTERN lr_JW NATIONAL L i f e I n s u r a n c e C o m p a n y P.O.Box 871 October 1, 2012 arr,ai 11o,Teaas79105-0871 .800.4 AACPO JAMES D BOGAR I W MAIN ST SHIREMANSTOWN PA 17011 Re: Annuity Contract BX202902 Contract Owner Ruth E. Evinger, Deceased Dear Mr. Bogar: The Internal Revenue Service (IRS) requires reporting of all death benefits for federal estate tax purposes. Please note that Form 712 is only prepared for regular life insurance contracts. Since this contract is an annuity held with Western National Life Insurance Company,the Form 712 is not applicable consequently we are unable to issue it for this annuity. As such we are providing the requested information in an alternative format. Listed below is the relevant death benefit information for the above-referenced annuity contract. Caiitrac#Number, `, `_ . = 13X202902 . Type of Annuity Contract: (Single Premium Non-Qualified Tax Deferred Annuity Date of Issue: 11/09/01 Contract Owner's Name(s): Ruth E. Evinger Cost Basis $40,000.00 Accumulated Value as of $57,216.09 Date of Death on 08/03/12: Total Payment for the Death $57,490.12 Benefit as of 10/01/12: Proceeds made payable to Ruth E. Evinger Estate Benefici (ies): Mr. Bogar, we appreciate the opportunity to assist you. Should you have any questions, please contact our Client Care Center at 1-800-424-4990. Sincerely, Debra Hackett Annuity Claims Department Rev-1510 EX+(08-09) SCHEDULE G pennsylvania INTER-VIVOS TRANSFERS AND DEPARTMENT OF REVENUE INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER Evinger, Ruth E. 21-12-0906 This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes. ITEM DESCRIPTION OF PROPERTY DATE OF DEATH %OF DECD'S EXCLUSION TAXABLE NUMBER THE ATE OF TRANSFERS ATTACH A COPY OF RELATIONSHIP DEIED FOR REAL ESTATE. VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE 1 Central Penn College Education Foundation- 29,804.69 29,804.69 Charitable Gift Annuity 2 Evangelical Lutheran Church in America-This 17.784.66 17,784.66 charitable gift annuity was payable to Diakon Lutheran Social Ministries. 3 Pennsylvania State University-Charitable Gift 32,767.92 32,767.92 Annuity TOTAL(Also enter on Line 7, Recapitulation) 80,357.27 (If more space is needed,additional pages of the same size) Copyright(c)2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule G(Rev.08-09) EDUCATION FOUNDATION A U (C)P)0n GA 1112 A i l ml August 22, 2012 James D. Bogar Attorney at Law One West Main Street Shiremanstown, PA 17011 Dear Mr. Bogar: As per your request, I am providing you a copy of the Gift Annuity Agreement signed by Ruth Evinger and Central Penn College representatives in 2004. My understanding is that the referenced document relates to the second of two annuity contributions Ms. Evinger made through the Central Penn College Education Foundation (the first being in 2002).I assume there was a signed agreement relating to the first annuity contribution;however,we do not have a copy of that agreement on file. You'll see that I included schedules for both"Annuity 1" (in the amount of$50,000) and "Annuity 2" (in the amount of$50,000)with the agreement. The end of contract value for the total Evinger annuity account, as of August 3,was$29,804.69. Should you need any additional information at this time or in the future regarding Ruth Evinger's support of the Central Penn College Education Foundation,please don't hesitate to contact me at: Matt Lane 717-728-2263 mattlane r(r�,centralnenn.edu Central Perui College Education Foundation P.O. Box 309 Summerdale, PA 17093 Many Blessings! Matt Lane, Foundation Director - 611 Valley Road, '• Box 309,sunnnerdale, � ' 717-728-2263 > www.centmlpenn.edu/foundation .v � r CENTRAL PENNSYLVANIA BUSINESS COLLEGE EDUCATIONAL FOUNDATION GIFT.ANNUITY AGREEMENT TINS AGREEMENT is made this 1st day of July 2004 between Ruth Wierman Evinger, of New Cumberland, Pennsylvania, hereafter referred to as"Donor", and CENTRAL PENNSYLVANIA BUSINESS COLLEGE EDUCATIONAL FOUNDATION, a Pennsylvania Charitable Trust located at Summerdale,Pennsylvania, hereafter referred to as the"Foundation". 1. Transfer of Property by Donor. The Donor hereby transfers to the Foundation and the Foundation hereby acknowledges receipt of,the sum of$50,000.00 in cash for the Foundation or as otherwise designated in writing by the Donor. 2. Payment ofArmuity. In consideration of the sum transferred by the Donor,the Foundation agrees to pay to the Donor for her life, an annual annuity in the amount of$5,650.00 from the date hereof;which is to be paid in equal installments of$1,412.50 on the first day of January, April, July and October. The first installment shall be payable on October 1,2004, and shall be prorated on the basis of the number of days from the date hereof through September 30, 2004. 3. Gift to the Foundation. The parties acknowledge that, as of the date hereof,the amount transferred to the Foundation is substantially in excess of the fair market value of the annuity and that the difference between those values constitutes a gift by the Donor to the Foundation for its charitable purposes. 4. Not Primarily an Investment. The Foundation has advised the Donor that a charitable gift annuity is not designed primarily as an investment but rather as a charitable gift. 6. Gift Annuity is not Insurance. The promise to pay the annuity is not insurance under the laws of Pennsylvania, is not subject to regulation by the Insurance Department and is not protected by the Pennsylvania Life and Health Insurance Guaranty Association under Article XVII of the Act of May 17, I921 (P.L.682,No. 284),known as The Insurance Company Law of 1921, or other protective device. 6. Non-assignability of Annuity. The annuity specified in Paragraph 2 hereof shall be non-assignable except to the Foundation. 7. Termination of Annuity. The obligation of the Foundation under this Agreement shall terminate with the regular payment next preceding the death of the Donor. 8. Applicable Law. This annuity shall be governed by the laws of the Commonwealth of Pennsylvania. 9. Qualified Charity. Only Qualified Charities are authorized to issue charitable gift annuities in the Commonwealth of Pennsylvania. Qualified Charities must meet certain criteria including the fact that they must have been in existence at least three years prior to the issuance of a Qualified Charitable Gift Annuity, The Foundation qualifies as a Qualified Charity in that. A) The Foundation supports Central Pennsylvania College,an educational institution,the curricula of which has been accredited by the Department of Education; B). The Foundation is a charitable organization which files a registration statement with the Department of State under the Solicitation of Funds for Charitable Purposes Act[Act of December 19, 1990,P.L. 1200,No.202]; C. The Foundation is an organization described in Section 170(c) of the Internal Revenue Code of 1985[Public Law 99-514,26 U.S.C.§170(c)]; D. The Foundation has been in continuous existence since 1983; and E. The Foundation has unrestricted and unencumbered assets of cash, cash equivalents or publicly traded securities of at least$100,000 plus one-half of the principal value of any annuities issued by the Foundation and currently in effect. 10. Additional Information. The Foundation would be pleased to answer any questions the Donor has with regard to this Agreement and to provide any additional information that the Donor may require. Copies of specific information concerning the Foundation's status as an organization described in 170(c) of the Internal Revenue Code and of financial statements showing that the Foundation has the required unrestricted and unencumbered assets described in Paragraph 9-E above can be obtained by contacting the Director,Finance,Summerdale, PA IN WITNESS WHEREOF,the parties hereto have executed this Agreement with the intent to be legally bound hereby. WITNESS: f 47 Ruth Wierman Evinger✓ ATTEST: CENTRAL PENNSYLVANIA COLLEGE FOUNDATION Todd A. Milano, President 3 DISCLOSURE STATEMENT Prepared for delivery to Ruth Wierman Evinger The Foundation is required to provide you with written information about the charitable gift annuity agreement you plan to enter into with the Foundation. Should you have any questions,we urge you, as always, to discuss this with your advisor before signing any documents. A charitable gift annuity is a contract between you and the Foundation. Such a gift may be funded with cash or publicly traded securities. You have elected to use cash. You make a gift, and you retain the right for up to two beneficiaries to receive an income for life. You may name yourself as a beneficiary. The income will be paid to you and/or your designated beneficiary(ies) on a quarterly basis. The amount of payment is based upon the age(s) of the beneficiary(ies). Because you are making a gift,the annuity rates offered by the Foundation are lower than those available through commercial annuities offered by insurance companies and other financial institutions. The American Council on Gift Annuities establishes a schedule of suggested rates for charities. The Foundation uses the rates that are recommended by the Council. A charitable gift annuity is a general obligation of the Foundation. The Foundation administers gift annuity assets with counsel from its Investment Committee,which is a committee comprised of the Foundation's senior financial officers. The custodian of the funds is PNC Bank,N.A. The assets you contribute are separately accounted for, but are pooled for investment purposes with other contributions. The gift annuity fund is exempt from registration under the Federal Securities Laws. At the death of the named beneficiaries,the principal amount of your account will be used by the Foundation for the purpose you designate. Your gift to the Foundation may entitle you to income,gift and estate tax deductions. The Foundation will provide you with information about some of the tax consequences of your gift by separate letter. A federal discount rate that is used to calculate the charitable deduction is subject to change each month. Called the Applicable Federal Mid-term Rate (AFMR),this rate also affects the amount of the annuity payments that will be tax-free income. In lieu of the rate for the month in which you make your gift,you may elect the rate for either of the two previous months depending upon which rate produces results that are most compatible with your objectives. If you elect an earlier rate in order to have a larger income tax deduction, there will be a trade-off in that you will receive a lesser amount of non-taxable income. Conversely, a rate that results in a smaller income tax deduction will also produce a larger amount of non-taxable income. The chart which follows summarizes the results which are available for a gift of $50,000.00 cash made in September 2004. MONTH AFMR CONTRIBUTION Non-TAXABLE TAXABLE DEDUCTION INCOME INCOME June 4.6% $29,584.85 $4,438.08 1 $1,201.92 Non-taxable income, which is a return of your investment in the contract, will be paid for your actuarial life expectancy of 4.6 years. Thereafter, all income will be fully taxable. If annuity payments stop before the investment in the contract has been fully recovered,your estate will be permitted an income tax deduction on your final income tax return for the un-recovered portion of the investment in the contract. You should consult with your own advisor regarding the risk,tax treatment and other aspects of contributing to the Foundation through a Charitable Gift Annuity. Ruth E. Evinger SS# 179-12-3405 1802 Anna Street Tele 774-6563 New Cumberland, PA 17070 $50,000 Charitable Gift Annuity-Annuity 1 Quarterly Payment-$1,462.50 Annual $5,850.00 Taxable Tax-Free Total Year Income Income Distribution 2002 111.76 337.00 448.76 2003 1,431.79 4,418.21 5,850.00 2004 1,431.79 4,418.21 5,850.00 2005 1,431.79 4,418.21 5,850.00 2006 1,431.79 4,418.21 5,850.00 2007 1,431.79 4,418.21 5,850.00 2008 5,303.34 546.66 5,850.00 2009 5,850.00 5,850.00 Full Taxable after 2008 Ruth E. Evinger SS# 179-12-3405 1802 Anna Street Tele 774-6563 New Cumberland, PA 17070 $50,000 Charitable Gift Annuity-Annuity 2 Quarterly Payment-$1,462.50 Annual $5,850.00 Taxable Tax-Free Total Year Income Income Distribution 2004 302.98 1,109.52 1,412.50 2005 1,211.92 4,438.08 5,650.00 2006 1,211.92 4,438.08 5,650.00 2007 1,211.92 4,438.08 5,650.00 2008 1,211.92 4,438.08 5,650.00 Evangelical Lutheran -` ' ~- 8765vesfmoom Rood ' cmcono Illinois 60631-4101 ` wwwolcq,mo n�80.ueoormm63o3522 ^ Fax r�.380.2906 Office m men°="re' September 3. 2012 To the estate of: RuthEvingsn c/o Beth Lenoo[ Asst bo James O. Boomr 1 W. Main Street Shiremanstown, R417D11 Re: Charitable Gift Annuity (306163 "F7 /amour*thatneither deabt..Vor anything else in a#creation will beable to separate mgfrom the love ofGod in Christ Jesus our Lmd" -Romans 8:38-39- On behalf of the Evangelical Lutheran Church of America, please accept my heartfelt condolences.This gift to support the ministries of the ELCA or other charitable organizations is received with deep appreciation and gratitude. |t will serve aea lasting testament ayit goes ontobenefit this church, our communities,and the world. The following tax information related to this gift is important tothe estate. Please retain for your tax records. 1. The current Federal Income Tax law allows mportion of the annual annuity payment to be excluded from the annuitant's gross income until the investment in the contract has been recovered. If the first annuity payment began after 198G and if the annuitant dies before the entire investment in the contract is recovered, a deduction is allowed on the decedent's final tax return. The deduction for unreoovened principal is available as a net operation loss ("above the line" deduction)treated as if it were attributable toa trade o,business of the annuitant (CODE 72 (B) (3)\. ' The unnaoovored investment in(3OG163 available for deduction in2O12is $0.00. 2. The form 1O89-R for the 2012 tax year will show the following: (Box 1) (Box 2a) (Box 3) GROSS TAXABLE CAPITAL GAIN RECIPIENT DISTRIBUTION AMOUNT (included in box 2a) HuthEvinger $2.825.00 $2.825.00 $0.00 Re: Charitable Gift Annuity G06163 Page 2 3. The charitable remainder portion of the contract was $17,784.66. Below is a list of the designated recipient(s): Diakon Lutheran Social Ministries $17,784.66 Office of Advancement 798 Hausman Road Suite 300 Allentown, PA 1 81 04-91 08 The funds were remitted on August 29,2012. Sincerely yours, Abiola Bankole-Hameed Controller No. 06163 EVANGELICAL LUTHERAN CHURCH IN AMERICA ELCA FOUNDATION ■ 8765 WEST HIGGINS ROAD ■ CHICAGO, ILLINOIS 60631 ■ 773-380-2700 Charitable Gift Annuity Agreement - One L fife This Agreement establishes a charitable gift annuity created by, Ruth Evinger The Evangelical Lutheran Church in America (the 'Church' ) , a Minnesota nonprofit corporation with headquarters at Chicago, Illinois, hereby agrees to pay to Ruth Evinger (the `Beneficiary' ) , of 1802 Anna Street, New Cumberland, Pennsylvania for her life an 11.30° annuity in the annual sum of $5,650.00 from the date hereof in four installments of $ 1, 412.50 on or about the last day of March, June, September and December. The first such installment shall be payable on or about December 30, 2003 and will be $ 1,283.92. This annuity shall not be assignable. The age of the Beneficiary at the date of this Agreement is 91 years. This Agreement and the obligation of the Church to make annuity payments shall terminate with the payment preceding the death of the Beneficiary. The Church hereby certifies that the Donor, desiring to support the work of the Church, has this day donated to the Church the following described property: CASH IN THE AMOUNT OF FIFTY THOUSAND DOLLARS and no cents_ The value of the annuity created by this Agreement is $ 20,543.97; the charitable gift value is $ 29,455.03. The promise to pay the annuity is not insurance under the laws of Pennsylvania, is not subject to regulation by the Insurance Department, and is not protected by The Pennsylvania Life & Health Insurance Guaranty Association. The charitable remainder shall be used for the general purposes of the Church unless a specific designation is set forth on the reverse side of this Agreement in which event the charitable remainder shall be used for that designated purpose. IN WITNESS WHEREOF, the Church has caused this agreement to be executed this 9th day of October, 2003. E GELIC L LUT' ERAN CHURCH IN ERICA Do Hallbe T e Fou d ion Christi Jackson-Skelton, Treasurer Certificate of Charitable Gift Annuity Agreement issued by Evangelical Lutheran Church in America in the name of Ruth Evinger Certificate: 06163 Date of issue: October 9, 2003 Principal sum $ 50, 000. 00 Annual payment $ 5, 650 .00 Annuity percent 11 . 304 This gift is to be used for the ultimate benefit of: 100. 00% Diakon Lutheran Social Ministries 798 Hausmann Road #300, Allentown, PA 18104 Tressler Care Wilderness Center Cap. Campaign The contents of the current Evangelical Lutheran Church in America Charitable Gift Annuity Disclosure Statement are hereby incorporated by reference and made a part of this agreement . Evangelical Lutheran Church in America u«5 West Higgins Road ^ om000n Illinois 60631-4101 ^ °ww.elcomo 773,380.2900 or 800A38.3522 ^ Fax 773.380.2906 Office of the Treasurer September 3' 2O12 To the estate of, RuthEvnger c/o Beth Langa[Asst ho James O. Bogar 1 W. Main Street Shiremanstown, PA17O11 Re: Charitable Gift Annuity G064E5 "For/am sure that neither death...nor anything else in all creation will beable to separate uafrom the love ofGod in Christ Jesus our Lord." -Romans 8:38-39- On behalf of the Evangelical Lutheran Church of America, please accept my heartfelt condolences.This gift to support the ministries of the ELCA or other charitable organizations is received with deep appreciation and gratitude. |t will serve aa aiasUng testament as it goes on to benefit this church, our communities, and the world. The following tax information related ho this gift ia important tothe estate. Please retain for your tax neoonda' 1. The current Federal Income Tax law allows mportion of the annual annuity payment to be excluded from the annuitant's gross income until the investment in the contract has been recovered. If the first annuity payment began after 198Gand if the annuitant dies before the entire investment in the contract is recovered, o deduction is allowed mn the decedent's final tax return. The deduction for unrecovered principal is available as a net operation loss ("above the line" deduction)treated as if it were attributable toe trade o/business nf the annuitant {CODE 72 (B)(3)}. The unnaooveomd investment inGO849G available for deduction |n2O12|s$[iOO' 2. The form 1OBg-R for the 2O12 tax year will show the following: (Box 1) (Box 2a) (Box 3) GROSS TAXABLE CAPITAL GAIN RECIPIENT DISTRIBUTION AMOUNT (included in box 2a) Ruth Evngar $2.825.00 $2.826.00 $0.00 Fie: Charitable Gift Annuity G06495 Page 2 3. The charitable remainder portion of the contract was $21,147.39. Below is a list of the designated recipient(s): Diakon Lutheran Social Ministries $21,147.39 Office of Advancement 798 Hausman Road Suite 300 Allentown, PA 18104-9108 The funds were remitted on August 29,2012. Sincerely yours, Abioia Bankole-Hameed Controller 4 No. 06495 EVANGELICAL LUTHERAN CHURCH IN AMERICA ELCA FOUNDATION ■ 8765 WEST HIGGINS ROAD ■ CHICAGO, ILLINOIS 60631 ■ 773-380-2700 Charitable Gift Annuity Agreement - One Life This Agreement establishes a charitable gift annuity created by, Ruth E. Evinger The Evangelical Lutheran Church in America (the 'Church' ) , a Minnesota nonprofit corporation with headquarters at Chicago, Illinois, hereby agrees to pay to Ruth E. Evinger (the 'Beneficiary') , of 1802 Anna Street, New Cumberland, Pennsylvania for her life an 11.30% annuity in the annual sum of $5, 650.00 from the date hereof in four installments of $ 1,412.50 on or about the last day of March, June, September and December. The first such installment shall be payable on or about September 30, 2004 and will be $ 1, 660.00. This annuity shall not be assignable. The age of the Beneficiary at the date of this Agreement is 91 years. This Agreement and the obligation of the Church to make annuity payments shall terminate with the payment preceding the death of the Beneficiary. The Church hereby certifies that the Donor, desiring to support the work of the Church, has this day donated to the Church the following described property: CASH IN THE AMOUNT OF FIFTY THOUSAND DOLLARS and no cents. _ The value of the annuity created by this Agreement is $ 20,416.28; the charitable gift value is $ 29,583':72. The promise to pay the annuity is not insurance under the laws of Pennsylvania, is not subject to regulation by the Insurance Department, and is not protected by The Pennsylvania Life & Health Insurance Guaranty Association. The charitable remainder shall be used for the general purposes of the Church unless a specific designation is set forth on the reverse side of this Agreement in which event the charitable remainder shall be used for that designated purpose. IN WITNESS WHEREOF, the Church has caused this agreement to be executed this 15th day of June, 2004 . E GELIC UT ERAN CHURCH I AMERICA Do 1 allberg, T e Fou tion Christina Jackson-Skelton, Treasurer Certificate of Charitable Gift Annuity Agreement issued by Evangelical Lutheran Church in America in the name of Ruth E. Evinger Certificate: 06495 Date of issue: June 15, 2004 Principal sum $ 50, 000.00 Annual payment $ 5, 650 .00 Annuity percent 11.30% This gift is to be used for the ultimate benefit of: 100 . 00% Diakon Lutheran Social Ministries 798 Hausmann Road #300, Allentown, PA 18104 for the benefit of the Wilderness Center The contents of the current Evangelical Lutheran Church in America Charitable Gift Annuity Disclosure Statement are hereby incorporated by reference and made a part of this agreement. Y P E N NSTr.TF August 28, 2012 James D. Bogar, Esq. Bogar &Hipp Attorneys at Law One West Main Street Shiremanstown, PA 17011 Re: Ruth Wierman Evinger Charitable Gift Annuity Dear Attorney Bogar: I am writing regarding the charitable gift annuity that was established by Ruth Wierman Evinger, with The Pennsylvania State University on May 2, 2002. A copy of the agreement is enclosed for the Estate's file. Under the terms of the Gift Annuity Agreement,the obligation of the University to pay the annuity terminates with the regular payment next preceding the death of the Ruth Wierman Evinger. You will find this provision under Item 7, "Termination of Annuity"of the agreement enclosed. Our records indicate that Ruth Wierman Evinger, deceased on August 3,2012. Her final payment was, therefore,made July 1, 2012. At the time of her death the market value of the annuity was $32,767.92. A portion of each gift annuity payment received by Ruth Wierman Evinger was excludable from her gross income as a tax-free return of the "investment in the contract_" The return of investment was to occur ratably over her actuarial life expectancy and any unrecovered investment claimed as a deduction on the decedent's final income tax return. According to our records, the investment in the contract has been distributed in full so that nothing remains to be deducted on the final income tax return. Lastly, in order to fully tenninate the annuity contract, our auditors require that we obtain a copy of the Certificate of Death. I have provided a postage pre-paid envelope for your convenience in providing this certificate to us. Should you have any questions, do not hesitate to contact me toll-free at 1-888-800-9170. I will certainly be happy to be of assistance to you. Sincerely, Michael J. Degenhar Executive Director, Office of Gift Planning The Perim !Ivanid S-a.L . li(ll`e s . ty P ?.cne: 814-S65-H72 214 The 103 Bu:!la'iny -oil free. 1-81 88 8v ! 17r' Ijn;vers4 Purl, Fe, 1680'-7001 X14-8b5 v�9� VW THE PENNSYLVANIA STATE UNIVERSITY GIFT ANNUITY AGREEMENT THIS AGREEMENT is made this 2nd day of May, 2002, between Ruth Wierman Evinger, of New Cumberland, Pennsylvania,hereafter referred to as the "Donor," and THE PENNSYLVANIA STATE UNIVERSITY, a Pennsylvania non-profit educational corporation located at University Park, Pennsylvania, hereafter referred to as the "University." 1. Transfer of Property by Donor. The Donor hereby transfers to the University, and the University hereby acknowledges receipt of, the sum of$100,000.00 in cash for Penn State Harrisburg or as otherwise designated in writing by the Donor. 2. Payment of Annuity. In consideration of the sum transferred by the Donor, the University agrees to pay to the Donor for her life, an annual annuity in the amount of$11,700.00,from the date hereof, which is to be paid in equal installments of$2,925.00 on the first day of January,April, July and October. The first installment shall be payable on July 1, 2002, and shall be prorated on the basis of the number of days from the date hereof through June 30,2002. 3. Gift to the University. The parties acknowledge that, as of the date hereof, the amount transferred to the University is substantially in excess of the fair market value of the annuity and that the difference between those values constitutes a gift by the Donor to the University for its charitable purposes. 4. Not Primarily an Investment. The University has advised the Donor that a charitable gift annuity is not designed primarily as an investment but rather as a charitable gift. Ruth Wierman Evinger Gift Annuity Agreement Page 2 5. Gift Annuity is not Insurance. The promise to pay the annuity is not insurance under the laws of Pennsylvania, is not subject to regulation by the Insurance Department and is not protected by The Pennsylvania Life and Health Insurance Guaranty Association under Article XVH of the Act of May 17, 1921 (P_L. 682,No. 284), known as The Insurance Company Law of 1921, or other protective device. 6. Nonassi ability of Annuity.-The annuity specified in Paragraph 2 hereof shall be nonassignable except to the University. 7. Termination of Annuity. The obligation of the University under this Agreement shall terminate with the regular payment next preceding the death of the Donor. 8. Applicable Law. This annuity shall be governed by the laws of the Commonwealth of Pennsylvania. 9. Oualified Charity Only Qualified Charities are authorized to issue charitable gift annuities in the Commonwealth of Pennsylvania. Qualified Charities must meet certain criteria including the fact that they must have been in existence at least three years phor to the issuance of a Qualified Charitable Gift Annuity. The University qualifies as a Qualified Charity in that: A) The University is an educational institution, the curricula of which have been accredited by the Department of Education; B) The University is an organization described in Section 170 (c) of the Internal Revenue Code of 1986 [Public Law 99-514, 26 U.S.C. § 170(c)]; C) The University has been in continuous existence since 1855; and Ruth Wierman Evinger Gift Annuity Agreement Page 3 D) The University has unrestricted and unencumbered assets of cash, cash equivalents or publicly traded securities of at least$100,000 plus one-half of the principal value of any annuities issued by the University and currently in effect. 10, Additional Information. The University would be pleased to answer any questions the Donor has with regard to this Agreement and to provide any additional information that the Donor may require. Copies of specific information concerning the University's status as an organization described in 170 (c) of the Internal Revenue Code and of financial statements filed with a governmental agency or of audited financial statements showing that the University has the required unrestricted and unencumbered assets described in Paragraph 9-D above can be obtained by contacting the Corporate Controller's office, 408 Old Main, University Park, PA. IN WITNESS WHEREOF, the parties hereto have executed this Agreement with the intent to be legally bound hereby. WITNESS: Witness Signature Ruth Wierman Evinger j ATTEST: THE PENNSYLVANIA STATE UNIVERSITY By: David E. Branigan, Executive Director Office of Investment Management PENNSTATE ZZIL Office of Planned Giving The PennsyMniia Stole University (814)163-0911 _ and Endowments Seven Old Main Toll tree: 1 (988)X00-9170 Universily Park.PA 161(1?-150'_ Fax: (S 14)565-0893 W W�%_development.psa.edu May 31, 2002 Mrs. Ruth Wierman Evinger 1802 Anna Street New Cumberland, PA 17070-1205 Dear Mrs. Evinger: On behalf of The Pennsylvania State University, we would like to thank you for your contribution in the amount of$100,000.00, which was transferred to the University on May 2, 2002, in the form of a Charitable Gift Annuity. The annuity is for the benefit of yourself for your lifetime. After your lifetime,the remaining amount in the annuity will be designated to Penn State Harrisburg or as otherwise designated in writing by you. A copy of your Gift Annuity Agreement is enclosed for your personal records. As required by the Internal Revenue Code,this is to inform you that, aside from the annuity payments you receive under the terms of the Gift Annuity Agreement,no goods or services were provided to you by Penn State in return for your gift. Your Annual Annuity Payments As the Gift Annuity Agreement states, you will receive quarterly payments of$2,925.00 from the University on the first day of January, April, July and October, for your lifetime. Your first annuity payment will be prorated based on the number of days remaining in the quarter ending June 30, 2002, and beginning with the execution of your Gift Annuity Agreement. This payment will be made on July 1, 2002, and will be in the amount of $1,928.57. Income Tax Effects A portion of each annuity payment will be taxable income to you and will be reportable on your federal income tax return. The other portion will be treated as a tax-free "return of original investment" and will be non-reportable. IS THE PENN STATE CAMPAIGN r1n Equal Opporiunny lhriver.itp Ruth Wierman Evinger Page 2 As a further explanation of this, the tax-free portion of the annuity payment is the "investment in the contract" divided by the total expected payments for the period of the annuity. Your actuarial life expectancy (determined from Treasury tables) is used to compute the total expected payments. The Tax Reform Act of 1986 limits the total amount you may count as non-taxable income to this investment in the contract. Thus if you outlive your actuarial life expectancy of 5.2 years, the tax-free portion will cease at the end of your life expectancy. Thereafter, your full annuity payments will be taxed entirely as ordinary income. By the same token, if your annuity payments cease before your total investment in the contract has been recovered, the amount of unrecovered investment will be allowed as a deduction on your final income tax return. In 2002, you will not receive a full year's annuity payment. However, the taxable/non- taxable ratio will remain constant. For your records, your annuity payments are characterized for income tax purposes as follows: Year Tax-free Portion Ordinary Income Total Annuity 2002 $3,615.91 $1,237.66 4,853.57 2003 to 2006 8,716.50 2,983.50 11,700.00 2007 6X0.09 4)829.91 11,700.00 2008 onward 0.00 11,700.00 11,700.00 Each year, you will receive a 1099R form from the University. This form will restate the above information for the current tax year and will assist you or your tax preparer in completing your tax return. Under current Pennsylvania law, income from a charitable gift annuity need not be reported on the Pennsylvania income tax return. However, you or your advisor should check each year to determine whether state reporting requirements have changed. Your Federal Income Tax Deduction For the purpose of your 2002 federal income tax return, the charitable contribution from your gift annuity is $54,648.00. You may deduct this contribution up to 50 percent of your adjusted gross income. If your contribution exceeds this amount, you may deduct the excess over the five following years until exhausted, up to 50 percent of your adjusted gross income each year. You should attach a statement to your federal income tax return to explain how the charitable contribution was determined. For your convenience, we have enclosed a sample statement. The tax consequences of your gift and how it should be reported on your tax return depend upon your particular circumstances. As in all cases, you are urged to consult your own advisors. Ruth Wierman Evinger Page 3 Gift Tax Effects Because the charitable gift element of your gift annuity is greater than $10,000, you must file a federal gift tax return for your gift to the University. However, your gift qualifies for a federal gift tax deduction which will offset any gift tax liability. We hope this information is helpful to you. You should consult your tax advisor for more 4 specific information about how your gift annuity will impact your particular tax situation. If we can assist you or your advisor, or answer any questions about the material in this letter, please feel free to contact us. Once again, thank you for your generous gift to Penn State. Sincerely, Kenneth S. Babe Corpor Controller Peter B. Weiler, Associate Vice-President for Development and Alumni Relations KSB:TLC/baw Enclosure xc: David E. Branigan, Executive Director, Office of Investment Management Marie-Louise Abram,Director of Development, Capital College Janet Stafford, Planned Giving Officer, Office of Planned Giving and Endowments NAME: Ruth Wierman Evinger ADDRESS: 1802 Anna Street, New Cumberland, PA 17070-1205 SOCIAL SECURITY NUMBER: 179-12-3405 Statement Attached to Schedule A (Form 1040), "Contributions" On May 2, 2002, I entered into a Charitable Gift Annuity Agreement with The Pennsylvania State University. Copy of Agreement attached. Amount contributed: $100,000.00 Less: Actuarial Value $ 45,352.00 Annuitant Name Date of Birth Social Security Number .uth Wierman Evinger 3/23/1923 Charitable contribution $ 54,648.00 7520(a)Election 1. An election is not being made under section 7520(a) of the Internal Revenue Code. 2. The interest to be valued is a Charitable Gift Annuity(see attached agreement.) 3. The applicable valuation date would be May 2002. 4. In accordance with Internal Revenue Code Sect. 7520(a), the charitable contribution was determined using Internal Revenue Service valuation tables based on an applicable interest rate of six (6%)percent which is one hundred twenty(120%) percent of the Applicable Federal Midterm Rate for the month of May 2002, rounded to the nearest two-tenths (2/10ths) of one (1%) percent. *The tax consequences of your gift and how it should be reported on your tax return depend upon your particular circumstances. As in all cases, you are urged to consult your own advisors. REV-1511 EX+(10.09) pennsylvania SCHEDULE H DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERITANCE TAX RESIDENT DECEDENT RETURN ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER Evinger, Ruth E. 21-12-0906 Decedent's debts must be reported on Schedule I. ITEM DESCRIPTION AMOUNT NUMBER A. FUNERAL EXPENSES: See continuation schedule(s) attached 2,566.69 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Street Address City State ZiD Year(s)Commission Paid 2. Attornev's Fees Bogar& Hipp Law Offices 125,000.00 3. Family Exemption: (If decedent's address is not the same as claimant's,attach explanation) Claimant Street Address City State Zio Relationship of Claimant to Decedent 4. Probate Fees 1,483.50 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. Other Administrative Costs 26,320.80 See continuation schedule(s) attached TOTAL(Also enter on line 9,Recapitulation) 155,370.99 Copyright(c)2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev. 10-09) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Evinger, Ruth E. 21-12-0906 ITEM NUMBER DESCRIPTION AMOUNT Funeral Expenses 1 Musselman's Funeral Home-balance of funeral bill 1,985.22 2 Rolling Green Cemetery 285.00 3 Trinity Lutheran Church-funeral luncheon 296.47 H-A 2,566.69 Other Administrative Costs 4 Comcast 263.41 5 Cumberland Law Journal-Executor's Notice 75.00 6 Duty's Lock Safe Security-fee to change locks at 1802 Anna Street, New Cumberland, PA 103.50 7 Fay Bishop-home care services 80.00 8 Homesale Settlement Services-tax certification fee 10.00 9 Homesale Settlement Services-notary fee 10.00 10 Homesale Settlement Services-sewer credit to buyer at real estate settlement 31.00 11 Louis M. Bobish-Reimbursement for lawncare payment to Eric Lyden 60.00 12 MC Walker Realty-realtor's commission 4,565,61 13 Metro Bank-stop payment fee 12.00 14 Metro Bank-stop payment fee 12,00 Copyright(c)2002 form software only The Lackner Group,Inc. Form PA-1500 Schedule H(Rev.6-98) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Evinger, Ruth E. 21-12-0906 ITEM NUMBER DESCRIPTION AMOUNT 15 New Cumberland Borough-sewer bill 76.64 16 New Cumberland Borough-trash bill 38.60 17 New Cumberland Borough-sewer and trash bill 121.00 18 PA American Water 55.11 19 PA American Water 88.81 20 PA Dept.of Revenue-2011 taxes 28.12 21 PPL 124.31 22 PPL 70.35 23 PPL 19.95 24 Prudential Home Services Group-realtor's commission 4,565.61 25 Recorder of Deeds -Realty Transfer Tax 1,521.87 26 RESERVES-Costs to conclude administration of Estate, including filing PA Inheritance Tax 3,500.00 Return and Inventory, 2012 Personal Income Tax Returns and Fiduciary Income Tax Returns 27 Richard S.Simpson,CPA-accountant's fees 1,071.90 28 Robin Gasperetti,Tax Collector-2012 Per Capita Tax 9.80 29 Robin Gasperetti,Tax Collector-2012 Real Estate Taxes 1,642.48 30 Shane K. Bouder-trash removal 750.00 Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6-98) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Evinger, Ruth E. 21-12-0906 ITEM NUMBER DESCRIPTION AMOUNT 31 Sovereign Bank-fee to obtain date of death valuation 20.00 32 The Sentinel -Executor's Notice 147.06 33 U.S. Postal Service-certified mail to PNC and Dept. of Revenue 11.50 34 U.S. Postal Service-certified mail to Vanguard and Register of Wills 12.55 35 U.S. Postal Service-certified mail to Computershare 13.00 36 U.S. Treasury-reclamation of pension payment 3,153.16 37 U.S. Treasury-reclamation of pension 244.00 38 UGI 175.09 39 Verizon 34.79 40 Verizon 25.55 41 West Shore EMS 117.38 42 William G. Rowe-auctioneer's commission and fees for sale of personal property 3,459.65 H-B7 26,320.80 Copyright(c)2002 form software only The Lackner Group,Inc. Form PA-1500 Schedule H(Rev.6-98) REV-1513 EX+(01-10) pennsylvania SCHEDULE J DEPARTMENT OF REVENUE INHERITANCE TAX RETURN BENEFICIARIES RESIDENT DECEDENT ESTATE OF FILE NUMBER Evin er, Ruth E. 21-12-0906 NAME AND ADDRESS OF RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE NUMBER PERSON(S)RECEIVING PROPERTY DECEDENT (Words) ($$$) Do Not List Trustee(s) I TAXABLE DISTRIBUTIONS [include outright spousal distributions,and transfers under Sec.9116(a)(1.2)] See attached schedule Total Enter dollar amounts for distributions shown above on lines 15 through 18 on Rev 1500 cover sheet,as appropriate. NON-TAXABLE DISTRIBUTIONS: II. A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS 1 Diakon Luterhan Social Ministries 17,784.66 2 Pennsylvania State University 32,767.92 3 Central Penn College Education Fund 29,804.69 4 Trinity Evangelical Lutheran Church 546,509.06 5 New Cumberland Library&Cultural Foundation 270,464.26 TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET 897,330.59 Copyright(c)2010 form software only The Lackner Group, Inc. Form PA-1500 Schedule J(Rev. 01-10) SCHEDULE J BENEFICIARIES (Part I, Taxable Distributions) ESTATE OF: Ruth E. Evinger 08/03/2012 179-12-3405 Item Name and Address of Person(s) Share of Estate Amount of Estate Number Receiving Property Relationship (Words) ($$$) 1 Fay and Robert Bishop Friend Thirty-five percent of 445 E.Siddonsburg Road rest,residue and Mechanicsburg, PA 17055 remainder, plus vehicle 2 Louis and Jeanne Bobish Niece Thirty-five percent of 1018 Teakwood Lane rest,residue and Enola, PA 17025 remainder,plus grandfather's clock and choice of jewelry and furniture 3 Kathe R. Curry Friend $10,000 specific 3057 Amherst Way bequest The Villages, FL 32163 4 Margaret J. Dankosky Friend $10,000 specific 5225 Wilson Lane bequest Apt.3133 Mechanicsburg, PA 17055 5 Exely J. Heiges Friend $10,000 specific 2042 State Road bequest Camp Hill, PA 17011 6 Florence O. Kirschbaum Friend $10,000 specific 28 Butternut Hill Drive bequest Worcester, MA 01609 7 Lois McKeon Friend $10,000 specific 633 Allen Street bequest New Cumberland, PA 17070 8 David R. Rhoads Friend $10,000 specific 1171 Shoreham Road bequest Camp Hill, PA 17011 1 SCHEDULE J BENEFICIARIES (Part I, Taxable Distributions) ESTATE OF: Ruth E. Evinger 08103/2012 179-12-3405 Item Name and Address of Person(s) Share of Estate Amount of Estate Number Receiving Property Relationship (Words) ($$$) 9 Margaret E. Rissinger Friend $10,000 specific 1805 Anna Street bequest New Cumberland, PA 17070 10 Marie B. Roth Friend $10,000 specific 401 Haldeman Avenue bequest New Cumberland, PA 17070 11 Elizabeth Sager Friend $10,000 specific 2 N. 1st Street bequest Danville, IL 61832 12 Darla K.Schorr Friend $10,000 specific 711 Union School Road bequest Mount Joy, PA 17552 2 LAST WILL AND TESTAMENT OF RUTH E. EVINGER I, RUTH E. EVINGER, of New Cumberland, Cumberland County, Pennsylvania, make, publish and declare this as and for my Last Will and Testament, hereby revoking all other Wills and Codicils heretofore made by me. FIRST: I give and bequeath to LOUIS BOBISH, my nephew by marriage, my Grandfathers Clock. SECOND: I give and bequeath to JEANNE K. BOBISH, my niece by marriage, her choice of my jewelry and furniture. THIRD: I give and bequeath any motor vehicle that I own at the time of my death, to my friends, FAY BISHOP and ROBERT BISHOP, her husband, or the survivor as between the two of them. FOURTH: I give and bequeath the sum of Ten Thousand and No/100 ($10, 000 . 00) Dollars to the following named individuals : KATHE R. CURRY, my godchild; ELIZABETH SAGER, my deceased husband' s half-sister; LOIS A. McKEON, my friend; JEAN DANKOSKY, my friend; DARLA K. SCHORR, my friend; EXELY J. HEIGES, my friend; FLORENCE KIRSCHBAUM, my friend; MARGARET RISSINGER, my friend; DAVID R. RHOADS, my friend; and, MARIE ROTH, my friend. FIFTH: Should any of the individuals named in Clause FIRST, SECOND, THIRD, and FOURTH hereinabove predecease me, I direct that the specific bequests made for said individuals be and become a part of my residuary estate to be distributed as set forth hereinbelow. SIXTH: I devise and bequeath all the rest, residue and remainder of my estate of whatever nature and wherever situate, including any property over which I hold power of appointment and together with any insurance policies thereon, as follows : (A) Thirty-Five (350) percent thereof to JEANNE K. BOBISH and LOUIS BOBISH, her husband, or the survivor as between the two of them, provided, however, that should both JEANNE K. BOBISH and LOUIS BOBISH predecease me, then I direct that their share be divided equally between THE TRINITY EVANGELICAL LUTHERAN CHURCH, of Lemoyne, Pennsylvania, and to THE NEW CUMBERLAND LIBRARY AND CULTURAL FOUNDATION, of New Cumberland, Pennsylvania, both for the purposes set forth more fully herein. (B) Thirty-Five (350) percent thereof to FAYE BISHOP and ROBERT BISHOP, her husband, or the survivor as between the two of them, provided however, that should both FAYE BISHOP and ROBERT BISHOP predecease me, then I direct that their share be divided equally between THE TRINITY EVANGELICAL LUTHERAN CHURCH, of Lemoyne, Pennsylvania, and to THE NEW CUMBERLAND LIBRARY AND CULTURAL FOUNDATION, of New Cumberland, Pennsylvania, both for the purposes set forth more fully herein. (C) Twenty (20%) percent thereof to the TRINITY EVANGELICAL LUTHERAN CHURCH, of Lemoyne, Pennsylvania, to be used for general Church purposes, as the governing body of the TRINITY EVANGELICAL LUTHERAN CHURCH deems appropriate. (D) Ten (10%) percent thereof to THE NEW CUMBERLAND LIBRARY AND CULTURAL FOUNDATION, of New Cumberland, Pennsylvania, to be used for general purposes, as the governing body of that organization deems appropriate . SEVENTH: In addition to all powers granted to them by law and by other provisions of this Will, I give the fiduciaries acting hereunder the following powers, applicable to all proper- ty, exercisable without court approval and effective until actual distribution of all property: (A) To sell at public or private sale , or to lease, for any period of time , any real or personal property and to give 2 options for sales, exchanges or leases, for such prices and upon such terms (including credit, with or without security) or conditions as are deemed proper. This includes the power to give legally sufficient instruments for transfer of the property and to receive the proceeds of any disposition of it. Notwithstanding the provisions of this subsection to the contrary, I specifically direct that there be no on-site auctions of any items of personal property. (B) To partition, subdivide, or improve real estate and to enter into agreements concerning the partition, subdivi- sion, improvement, zoning or management of real estate and to impose or extinguish restrictions on real estate. (C) To compromise any claim or controversy and to abandon any property which is of little or no value. (D) To invest in all forms of property, including stocks, common trust funds and mortgage investment funds, without restriction to investments authorized for Pennsylvania fiduci- aries, as are deemed proper, without regard to any principle of diversification, risk or productivity. (E) To exercise any option, right or privilege granted in insurance policies or in other investments . (F) To exercise any election or privilege given by the Federal and other tax laws, including, but not necessarily being limited to, personal income, gift and estate or inheritance tax laws . (G) To make distributions to my herein named benefici- aries in cash or in kind or partly in each. (H) To borrow money from themselves or others in order to pay debts, taxes, or estate or trust administration expenses, to protect or improve any property held under my will, and for investment purposes . 3 (I) To select a mode of payment under any qualified retirement plan (pension plan, profit sharing plan, employee stock ownership plan, or any other type of qualified plan) to the extent the plan or the law permits them to do so, and to exercise any other rights which they may have under the plan, in whatever manner they consider advisable. EIGHTH: I direct that all inheritance, estate, transfer, succession and death taxes, of any kind whatsoever, which may be payable by reason of my death, whether or not with respect to property passing under this Will, shall be paid out of the principal of my residuary estate. Notwithstanding the provisions of this Clause EIGHTH, I specifically direct that there be no allocation of inheritance, estate, transfer, succession and death taxes, of any kind, whatsoever, as to any charitable beneficiary designated by me herein. NINTH: I nominate and appoint JAMES D. BOGAR, as Executor of this, my Last Will and Testament . In the event of the death, resignation or inability to serve for any reason whatsoever of the said JAMES D. BOGAR, I nominate and appoint, JENNIFER B. HIPP, Executrix of this, my Last Will and Testament. I direct that my Executor or Executrix, and their successors, shall not be required to post security or a bond for the performance of their duties in any jurisdiction . IN WITNESS WHEREOF, I have hereunto set my hand and seal to this, my Last Will and Testament, this ;" day of 2010 . (SEAL) RUTH E. EVINGER 4 Signed, sealed, published and declared by the above-- named Testatrix as and for her Last Will and Testament in our presence, who, at her request, in her presence and in the presence of each other, have hereunto subscribed our names as attesting witnesses . Address r Address 1 5