HomeMy WebLinkAbout04-26-13 Y
15056041125
REY
- 1 500 EX (06-05)
PA Department of Revenue AA OFFICIAL USE ONLY
Bureau of Individual Taxes County Code Year File Number
PO BOX 280601 INHERITANCE TAX RETURN 2 1 1 3 0 0 3 5
Harrisburg,PA 17128-0601 RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death Date of Birth
0 1 0 6 2 0 1 3 0 5 0 7 1 9 4 1
Decedent's Last Name Suffix Decedent's First Name MI
H I N K E L M A R I E T
(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
FILL IN APPROPRIATE OVALS BELOW REGISTER OF WILLS
❑X 1.Original Return 2.Supplemental Return 3.Remainder Return(date of death
prior to 12-13-82)
Q 4. Limited Estate Q 4a.Future Interest Compromise(date of 5. Federal Estate Tax Return Required
death after 12-12-82)
0 6. Decedent Died Testate Q 7.Decedent Maintained a Living Trust 8.Total Number of Safe Deposit Boxes
(Attach Copy of Will) (Attach Copy of Trust)
U 9. Litigation Proceeds Received 10.Spousal Poverty Credit(date of death E] 11. Election to tax under Sec.9113(A)
between 12-31-91 and 1-1-95) (Attach Sch.O)
"CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name
Daytime Telephone Number
W I L L I A M P D 0 U G L A S 7 1 7 2 4,--,3 - 1 7 9 0
Firm Name(if Applicable) �-
c3TE
v R OF u�LS u
D 0 U G L A S L A W 0 F F I C E
First line of address r.) X
-,j r--
4 3 W S 0 U T H S T ? ~
Second line of address
City or Post Office State ZIP Code D i:� ILE
C A R L I S L E P A 1 7 0 1 3
Correspondent's e-mail address:4ouglaslaw@earthlink.net
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
ADDRESS
SIGNA URE OF PREPARER OTHER ZHAN REP ENT TIVE DATE
ADDRESSI OA
7 3.13
PLEASE USE ORIGINAL FORM ONLY
Side 1
15056041125 15056041125
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N
I5056042126
REv'1500 EX
Decedent's social Security Number
MARIE T }{Z0I<BL
RECAPITULATION
1. Real estate(Schedule x) . . . . . . . . . � . . . . . . .. . . . . . . .. . . . . . . . . . 1. I 2 2 G I 8 4 B
z. Stocks and Bonds(Schedule B) . . . . . . . . . . . . . . . .. � . . . . .. . . . .. . .. . . n.
o. Closely Held CorporaUon, Partnership or Sole-Proprietorship(Schedule O) . . . . . o.
4. Mortgages&Notes Receivable(Schedule D) . . . . .. . . . . . .. . . . . . . .. . . . 4.
o. Cash,Bank Deposits&Miscellaneous Personal Property(Schedule E) .. . .. .. 5. l 5 5 8 5 G O
m. Jointly Owned Property(Schedule F) | / Separate Billing Requested . . ... .. e.
z Inter-Vwo Transfers Miscellaneous Property
(Schedule G) F� separate eoxno Requested . . .. . . . 7.
m.Total Gross Assets(total Lines 1-7) . . .. . . . . . . . . . . . ... . ... .. 8 I 3 B 2 O 4 O 9
e. Funeral Expenses&Administrative Costs(Schedule H) ..... ... .. . ..... o' 2 3 9 3 O I O
10. Debts ofDecedent, Mortgage Liabilities,&Liens(Schedule 0 .� . . . . . .. . . 10. B I I I 7 3 2
M. Total Deductions(total Lines Ba 10) .... . .. . . .. .. .. . . . ...... . . . 11. I O 5 O 4 7 4 2
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12, Net Value of Estate(Line 8 minus Line 1U .......... ..... . ...^.. ... 12. 3 3 I 5 6 6 7
` 13, Charitable and Governmental Bequests/Sec 811nTrusts for which
� an election to:m has not been mode(Schedule x) '. . . .... . . ... ... .. 13.
14.Net Value Subject
TAX COMPUTATION-SEE INSTRUCTIONS FOR APPLICABLE RATES
15, Amount of Line 14 taxable
en the spousal tax rate,or
transfers under Sec.e11G
(a)(1.2)X� ����'�n O � �
' ' 15. O O 0
16. Amount of Line 14taxable
at lineal rate X.045 L_ O 0 D 16. O O O
17. Amount o,Line 14taxable
at sibling rate x]2 3 3 I 5 G 6 7 17, 3 9 7 8 8 O
18. Amount ox Line 1*taxable
at collateral rate X �u O O O
' 18. O O O
la Tax Due .. . .. . .. . . . . ...... .......... . .... ........ . ..... . 19. 3 9 7 8 8 O
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT
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N I5056042I26 N
I5056042I26 U
REV-15, 0 EX Page 3 File Number
Decedent's Complete Address: 0035
DECEDENT'S NAME
MARIE T. HINKEL.
STREET ADDRESS
CITY STATE ZIP
Tax Payments and Credits:
1, Tax Due(Page 2 Line 19) (1) $3,978.80
2, Credits/Payments
A,Spousal Poverty Credit
B,Prior Payments
C.Discount
3. Interest/Penalty if applicable Total Credits(A+B+C) (2) $0.40
D.Interest
E,Penalty
4, If Line 2 is greater than Line 1+Line 3,enter the difference,This is the OVERPAYMENT.Total Interest/Penalty(D+E) (3) $0.00
Fill in oval on Page 2,Line 20 to request a refund. (4) $0.00
5. If Line 1 +Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) $3,978.80
A.Enter the interest on the tax due, (5A)
B.Enter the total of Line 5+5A,This is the BALANCE DUE. (513) $3,978.80
Make Cheek PcVc7ble 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; ...................................................................... ❑ [X]
b, retain the right to designate who shall use the property transferred or its income; ...................I........... ❑ X❑
c, retain a reversionary interest;or ................................................................................................ ❑ 0
d, receive the promise for life of either payments,benefits or care? ....................................................... ❑ Q
2. If death occurred after December 12, 1982,did decedent transfer property within one year of death
without receiving adequate consideration? ....................................................................................... ❑ ❑X
3. Did decedent own an"in trust for"or payable upon death bank account or security at his or her death? ......... ❑ 0
4. Did decedent own an Individual Retirement Account,annuity,or other non-probate property which
contains a beneficiary designation?.................................................................................................. ❑ Q
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
For dates of death on or after July 1 199 and before January 1,1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse
is three(3)percent[72 P,S,§9116(a)(11)(i)l,
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 zero(0)percent
[72 P.S.§9116(a)(11)(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 twenty-one 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 zero(0)percent[72 P.S.§9116(a)(1.2)J.
The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half(4.5)percent,except as noted in
72 P.S.§9116(1,2)[72 P.S.§9116(a)(1)}.
The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve(12)percent[72 PS,§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.
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C"�
.Y 1
Last Will and Testament
of
Marie T. Hinkel
I, Marie T. Hinkel, of the South Middleton Township, Cumberland
County, Pennsylvania, being of sound and disposing mind, memory and
understanding, declare the following to be my last will and testament, hereby
revoking any and all wills heretofore made by me.
Item 1. I direct my executor hereinafter named to pay all my just debts,
funeral expenses and any inheritance tax which may be due as the result of
my death.
Item 11. I hereby give, devise and bequeath the rest, residue and
remainder of my estate to my brother Clair D. Rice and my sister Violet M.
Lebo, in equal shares. If either should fail to survive me their share shall go
to the surivor.
Item 111. I hereby nominate and appoint my brother, Clair D. Rice and/or
my sister, Violet M. Lebo to serve as executor(trix), and direct that said
individual(s) be permitted to serve without bond.
IN WITNESS WHEREOF, I hereunto set my hand and seal this 10th day of
April 2012.
Marie T.Hinkel
CI�MMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
I, Marie T. Hinkel, whose name is signed to the attached or foregoing
instrument, having been duly qualified according to law, do hereby
acknowledge that I signed and executed the instrument as my last will, that I
signed it willingly, and that, I signed it as my free and voluntary act for the
purposes therein expressed.
Marie T.Hinkel
Sworn to and subscribed before
me this 10th day of April, 2012.
Notary
HobtMed ltE
Healhir A.Owbour,*61 puWia
Carlisle 00""h,Cun wh"County
My Commisslon Expires 11/1811013
Signed, sealed, published and declared by the above named testator, as and
for their last will and testament, who at their request, in their presence, in
our presence, and in the presence of each other have hereunto subscribed our
names as attesting witnesses:
...;
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
We, and the
witnesses whose names e signed to the attache or foregoing instrument,
being.duly qualified acco; g to law, do depose and say that we were present
and saw the testator sign nd execute the instrument as their last will, and
that it was signed willingly and executed as their last will, and that it was
done freely and voluntarily for the purposes therein contained, that each of
us in the hearing and sight of the testator signed the will as witnesses;. and
that to the best of our knowledge, the testator was, at that time, 18 or more
years of age, of sound mind and under no constraint or undue influence.
yam.,
Sworn to and subscribed before
me this 10th day of April, 2012.
Notary
FHeather A.8arbbur,I�rY Pubma
Borough,Cmission Expks:11/1013
Now
nev'1,50 ex~(6-90
SCHEDULE A
COMMONWEALTH OF PENNSYLVANIA REAL ESTATE
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF L
FILE NUMBER
MARIE T. HINKEL 0035
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.
ITEM Real property which is jointly-owned with right of survivorship must be disclosed on Schedule F.
NUMBER DESCRIPTION VALUE AT DATE
OF DEATH
16 Wiltshire East, South Middleton Township, Cum�erland County, PA $122,618.49-
Credits for payment of county/township, school and homeowners association dues
TOTAL(Also enter on rine 1,Recapitulatio 122,618.49
(If more space Is needed,insert additiona[sheets of the same size)
,
Inst. # 201307936 - Page 1 of 5
CERTIFIED PROPERTY IDENTIFICATION NUMBERS
40-09-0533-127 -U16 SOUTH MIDDLETON
CCGIS REGISTRY 03/12/2013 BY TB
Parcel#: 40-09-0533-127 U16
EXECUTORS'DEED
MADE the 11 M day of March, 2013,
BETWEEN VIOLET M, LEBO,Executrix of The ESTATE OF MARIE T. H[N-KEL,
and CLAIR D. RICE,Executor of The ESTATE OF MARIE T.BINKEL, late of South
Middleton Township, Carlisle, Cumberland County,Pennsylvania, hereinafter referred to
as
GRANTOR
and
JOHN W. NEIL, II and HELEN M.NEIL, husband and wife, of South Middleton
Township, Cumberland County,Pennsylvania, hereinafter referred to as
GRANTEES
WHEREAS, THE SAID Marie T.Hinkel,became in her lifetime seized as of fee
of and in a certain tract of land together with the improvements thereon erected, situate in
the South Middleton Township, Cumberland County,Pennsylvania, more particularly
described hereinafter;and being so thereof seized, departed this life on January 6,2013,
and in Office of the Register of Wills of Cumberland County,to No. 21-13-0035,
wherein and whereby the said Violet M.Lebo and Clair D.Rice were appointed
Executors,,to whom Letters Administration were duly issued by the said Register of Wills
on January 10,2013, and wherein and whereby said premises hereinafter described were
not specifically devised, all as in and by said Will and the records of said Register of
Wills,recourse thereunto being had appears:
NOW THIS INDENTURE WITNESSETH,that the Grantor,for and in
consideration of the sum of One Hundred Twenty-Two Thousand($122,000.00)Dollars
the receipt of which is hereby acknowledged, has granted, bargained, sold, aliened,
released and confirmed, and by these presents does grant bargain, sell, alien,release and
confirm unto the,said Grantees, their heirs and assigns:
ALL that certain Unit, being Unit No. E16(the"Unit"), of Meadowridge at
Mayapple Village Condominium(the"Condominium"),located in South Middleton
Township, Cumberland County,Pennsylvania,which Unit is designated in the
Declaration of Condominium of Meadowridge at Mayapple Village Condominium(the
Now
Inst. # 201307936 Page 2 of 5
"Declaration of Condominium") and Declaration Plats and Plans as recorded in the
Office of The Recorder of Deeds of Cumberland County in Miscellaneous Book 518,
Page 333 and in Right of Way Plan Book 11,Page 19,respectively, together with any
and all amendments thereto.
TOGETHER with an undivided percentage interest in the Common Elements as more
particularly set forth in the aforesaid Declaration of'Condominium and Declaration Plats
and Plans, as last amended.
TOGETHER with the right to use the Limited Common Elements applicable to the Unit
being conveyed herein, pursuant to the Declaration of Condominium and Declaration
Plats and Plans, as amended.
UNDER AND SUBJECT to any and all covenants, conditions, restrictions, rights of
way, easements and agreements of record' in the aforesaid Office.' the aforesaid
Declaration of Condominium, and matters which a physical inspection and survey of the
Unit and Common Elements would disclose.
THE Grantees, for and on behalf of the Grantees and the Grantees' heirs, personal
representatives, successors and assigns, by the acceptance of this deed, covenants and
agrees to pay such charges for maintenance, repairs, replacements and other expenses in
connection with the common elements, and the.limited common elements appurtenant to
said unit, as may be assessed against him, her, them, it or said unit, from time to time by
the executive board of the Meadowridge Mayapple Condominium Association in
accordance with the Uniform Condominium Act of Pennsylvania, and further covenants
and agrees that the unit conveyed by this deed shall be subject to a lien for all amounts so
assessed except insofar as section 3407(c) of said Uniform Condominium Act may
relieve a subsequent unit owner of liability for prior or unpaid assessments. This covenant
shall ran with and bind the unit hereby conveyed and all subsequent owners thereof.
BEING the same premises which Jeffrey R. Ernst and Jann M. Ernst, husband and wife,
by deed dated December 12, 2003, and recorded December 15, 2003, granted and
conveyed to Marie I 13inkel, single person,in Deed Book 260,Page 4046.
TOGETHER with.,all the singular the buildings,.improvements,ways, streets, alleys,
passages,waters,water-courses,rights,.liberties, privileges, hereditaments and
appurtenances whatsoever,thereunto belonging or in any wise appertaining and the
reversions and remainders, rents issues and profits thereof, and all the estate,right title,
interest, property, claim and demand whatsoever of her,the said Marie T.Hinkel, at and
immediately before the time of his decease,in law, equity,
or otherwise howsoever, of,
in,to or out of the same.
TO HAVE AND TO HOLD the said unit above described,with the buildings and
improvements thereon erected, hereditaments and premises hereby granted-or mentioned,.
and intended so to be, with the appurtenances,unto the said Grantees,their heirs.and
now
• Inst. # 201307936 - Page 3 of 5
assigns, to and for the only proper use and behoof of the said Grantees,their heirs and
assigns forever.
AND, the said Grantor/Executor(trix), do severally, and not jointly, nor the one for the
other,nor for the act or deed of the other,but each for his/her own acts, only, covenant,
promise and agree to and with the said Grantees,their heirs and assigns, that the said
Grantor/Executor(trix)have not heretofore done or committed any act matter or thing
whatsoever whereby the premises hereby granted, or any part thereof, is, are shall, or
may be impeached, charged or encumbered in title charge, estate or otherwise howsoever.
IN WITNESS WHEREOF, the said Grantors have hereunto set their hands and
seals the day and year first above written.
SIGNED, SEALED AND DELIVERED
IN THE PRESENCE OF:
J - 7
(SEAL)
Violet M. Lebo,Executrix of The
Estate of Marie T.Hinkel
(SEAL)
Clair D. Rice,Executor of The
Estate of Marie T.Hinkel
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
On'this, the I I�'day of March,2013,before me the undersigned officer,
personally appeared Violet M.Lebo,Executrix of the Estate of Marie T. Hinkel, known
to me or satisfactorily proven to be the person whose name is subscribed to the within
instrument,.and acknowledged that she executed the same for the purposes therein
contained.
CO MOW F, ere nto y nd d official- seal.
.1
Notarial Seat �!Jtn
Tammie L.Petersr Hoory Public
cou
Carlisle 50m,
e nty 9.201 Notary
MY cornm
mission expires
MEMHEI,MIN ANIA
COMMONWEALTH OF PENNSYLVANIA
SS:
COUNTY OF CUMBERLAND
• Inst. # 201307936 - Page 4 of 5
On this,the 11'h day of March, 2013, before me the undersigned officer,
personally appeared Clair D. Rice,Executor of the Estate of Marie T, Hinkel, known to
me or satisfactorily proven to be the person whose name is subscribed to the within
instrument, and acknowledged that he executed-the same for the purposes therein
contained,
IN WITNESS WHEREOF, r to se y h an official seal.
COMMONWEALTH OF PENNSYVANTA
Notary
notarial Seal
Tammle L,paters,Notary Public
r�arjjs
.le uoro,cum6dand county
My cornmiwion rvres gept 9,209.5
MEMBER,oltNNSYLVANIAA' *,iL,,,,,"-jrNOTARIES
Certificate of Residence
I hereby certify that the precise residence and complete post office address of the
within Grantee, A 14'&hik 6�[, 6ai k, A� 1-7015
Dated: March 11, 2013
Attorney for Grantees
a
Now
a Inst. # 201307936 - Page 5 of 5
ROBERT P. ZIEGLER
RECORDER OF DEEDS
CUMBERLAND COUNTY
1 CO�THOUSE SQUARE
CARLISLE, PA 17413
717-240-6370 :r
Instrument Number-201307936
Recorded On 3/12/2013 At 10:10:29 AM *Total Pages-5
•Instrument Type-DEED
Invoice Number- 131371 User ID- SW
•Grantor-HINKEL,MARIE T
•Grantee-NEIL,JOHN W II
•Customer- SIMPLIFILE LC&RECORDING
FEES
STATE TRANSFER TAX $1,220.00 Certification Page
STATE WRIT TAX $0.50
STATE JCS/ACCESS TO $23.50
JUSTICE DO NOT DETACH
RECORDING FEES — $11.50
RECORDER OF DEEDS This page is now part
PARCEL CERTIFICATION $10.00
FEES of this legal document.
AFFORDABLE HOUSING $11.50
COUNTY ARCHIVES FEE $2.00
ROD ARCHIVES FEE $3.00
SOUTH MIDDLETON SCHOOL $510.00
DISTRICT
SOUTH MIDDLETON $510.00
TOWNSHIP
TOTAL PAID $2,502.00
I Certify this to be recorded
in Cumberland County PA
U �
RECORDER OF DEEDS
Irso
-Information denoted by an asterisk may change during
the veriflcation process and may not be reflected on this page.
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OMB Approval No.2502-0265
A. Settlement Statement (HUD-1)
1,F�FHA 2.n RHS 3.[g]Conv.Unins. 6.File Number: 7.Loan Number: 8.Mortgage Insurance Case Number:
PY013-7 6044966
C.Note:This form is lumished 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 dosing;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:
John W.Neil,11,Helen M.Neil Estate of Made T,Hinkel Cole Taylor Bank
14 Norlh Pin Oak Drive,Boiling Springs,PA 17007 2350 Green Road Suite 100,Ann Arbor,MI
G.Property Location: H.Settlement Agent: 1.Settlement Date:03/11/2013
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Parcel 40-09-0533-127-Ul 6,South Middleton
Township
(717)960-1122
Place of Settlement: TitleExpress
26 West High Street,Cadisle,PA 17013 Printed 03/0812013 at 4:09 pm
by TP
100. Gross Arnount Due from 86rroWer,, A00. Grot i Amount Due W.W!6,
101. Contract sales price 122,000.00 401. Contract sales price 122,000,00
102. Personal property 402. Personal property
103, Settlement charges to borrower(line 1400) 7,692.21 403.
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, City/town taxes to
107. County taxes 03/11/203 to 1213112013 233.66 407, County taxes 03111/2013 to 12/3112013 233.66
108. SchoolTaxes 03/il/2013 to 0613012013 286.60 408. SchoolTaxes 03/1112013 to 06/30/2013 .286.60
109, March HOA Dues 0311112013 to 03131/2013 98.23 409. March HOA Dues 0311112013 to 0313112013 98.23
110. 410.
ill. 411.
112. 412.
120. Gross Amount Due from Borrower, 130,310.70 420, Gross Amount Due to Seller 122,618.49
201, Deposit or earnest money 1,01XI-00. .501. Excess depc6I(see Insbuclions)
202. Principal amoun(of new loan(s) 97,600.00 602. Settlemen(charges to seller(line 1400) 9,296M
203, Existing loan(s)taken suNed to 503. ExisUng loan(s)taken suNect to
204. 504. Payoff of first mortgage loan to Greentree or Bank of 61,117.32.
America,NA.
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` 205. 505. Payoff of second mortgage loan |
206. 506.
560.00 507. Credit by Seller
207. Credit by Seller __�60.00
208. 508. Misc,Closing Charge 1,000.00
Ad ustments for items unpaid by seller Adjustments for items unpaid by seller
2 10. Cityltown taxes to
10. Cityltown taxes to 510.
211. County taxes to 511. County taxes to
W. SchoolTaxes to 5Q. SchoolTaxes to
214. 514.
215. 515.
216. 516.
219. 519,
220. Total Paid bLifor Borrower 99,160TO 520 Total Reduction Amount Due Seller 91.974.251
300. Cash at Settlement fr6m'Ito Botirowei 600. Caih i(Seftlemirit td1fr6ifi Sell0i
nt due from borravver(line 120). 122,618.49
301, Gross amou 130,310.70 601, Gross amwnt due to seller(line 420)
.302. Less am I ourils paid by/for borrower(line 220) 99,160.DD 602. Less reductions In amount due seller(line 520) 91,974.25
303, Cash From E]To Borrower 31,150.70 603, Cash To From Seller 30,644.24
MrT=am 1101 to Complete
lot CONCOV41 Att -NY
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$7,545.00 '
700. ,Total Real Estate 8rdheri=ees: .., .... .. ...: .::: Paid FCQr>i Paid From
Division of commission Tine 700 69.to0bws: Borrowet s ' Seller's
701. $3,680,00 to Help USell Funds at Funds at
702. $3,885.00 to Prudential Homesale Settlement. Settlement
703. Commission paid at settlement 7,545.00
800. Items Payable in Connection v7M Loan
801. Our origination charge (includes Origination Point 0.000%or$0.00) $3,434,00 (from GFE#1)
802. Your credit or charge(points)for the specific interest rate chosen $146.40 (from GFE#2)
803. Your adjusted origination charges (from GFE A) 3,580.40
804. Appraisal fee to Dart Appraisal $600.00 P.O.C.B`(from GFE#3)
805, Credit report to Cody Financial Mortgall e Services (from GFE#3) 50,00
806. Tax service to (from GFE#3) j
807, Flood certification to Cole Taylor Bank (from GFE#3) 10.00
808, Condo Cert to Cody financial Mortgage Services (iron GFE#3) 130.00
900. tterni RecIuired by Lendet.to be Paid lit Advahce
901. Daily interest charges from from 03111/2013 to 0410112013 @$11.0301/day (from GFE#10) 231.63
902. Modl a e insurance premium months to from GFE#3
903. Homeowner's insurance for f years to Horace Mann Insurance Cam $194.00 P.O,C.B'(from GFE#ii)
904, months to from GFE#11 {
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1009,Reserves Deposited with Lender
1001,Initial deposit for your escrow account (from GFE#9) 734.83
1002.Homeowner's insurance months $ 16.17/month $ {
1003.Mortgage insurance months @$ /month
1004.Property taxes months @$ 0.001month $
1005.County taxes 2 months @$ 21.761month $43.52
1006,School Taxes 10 months @$ 77,83imonih $778.34
1007.Aggregate Adjustment $-86.99
1100.Title Char'es
1101.Title services and lender's title insurance to Pyramid Land Transfer,LLC from GFE#4 1,261.35
1102,Settlement or closing fee to $
1103.Owner's title insurance from GFE#5 121.00
1104.Lender s title insurance p Land Transfer, LLC $1,089.00
1105.Lender's title policy limit$97,600.00 Lender's Policy
1106.Owner's title policy limit$122,000.00 Owner's Policy
1107,Agent's portion of the total title insurance premium $1,058.50
1108.Underwriter's portion of the total title insurance premium $151,50
1109.Closing Service Letter to Pyramid Land Transfer,LLC$75.00
1200.Govertiinent Recordin g and TiingW...Cbar es..-.• _,: - . •t.:m:= :,.
1201.Government recording charges $ (from GFE#7) 173.00
1202.Deed$52.00 Mori a$92.00 Release$
1203.Transfer taxes $ (from GFE#8) 1,220.00
1204.City/County taxistamps Deed$1220.00 Mortgage$
1205.State Taxlslamps Deed$1,220.00 Mortgage$ 1,220.00f
1206. Deed$ Mortgage$
1207.Parcel Certification Fee $20.00
1208.Electronic ding Fee $9.00
.1300.Addidonal 5ettlemerit Chir'i#s ....'. a
1301.Required services that you can shop for (from GFE#6)
1302. to
1303.Home Inspection to Inspection Center $250.00 P,O,C.B'
1304.Initiation Fee to Meadowdd a at Mayapple Village 180.00
1305.Resale Cen to PMI 150.00 ;
1306.Final Water/Sewer Reading to SMTMA 93'80 "
1307,2013 County Taxes to Robert C.Calms,Tax Collector 288.13
r r 1111 . t 1111 lic 1 + 7,692.21 9,296.93
"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.- '
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Previous editions are obsolete Page 2 of 4 HUD.1 i
S
Com arison of Gaod Faith Estimate(GF and HUD•1 Char es
`.Good:Fa7E Eslinia(e':
Char es That Canno(Increase ..:. . tiUO-1
Our ofigirielrari chargs.. HUD.1 lme Number.
Your-credit or.ctiarge'(poinls)for the specrfc•inlerest,rale chosen` # $01 •
Your adjusted ongmalion charges:.
iU. 802 ;
#.803
00
Trahsfettaxes:
3,434 00
6.40 146 40
:. . ..•....... ._:#•.1203:::;: •. 3,580.40 �
. 1,220.00
Cha :es Tha(.(ii Total Cannot increase Mope Than 4041
Governmehl recording charges
# 1201
Appralsatfee (tm 190.04
,G
•804
.. ood FaiftiEs
..HUD 1
17300
Credit report .:. .805
Flood certdicalion
0 q0
..#.807. 50.
600 00
.Condo Ger1
10 00
#.:8.08-
0
Title sernces aril lender's.Ulle.ihsurance
#:1101
00
Ownets tal16 irisuranoe : .
1,314
:11x73
... :_,
121.00
Oq
35
12100
2,415.00 2,345.35
Guar'es Thal Can Cliaii"e
-69.65 or
Initial 0eposll for yourescrow•accounl Giiod'Eafth Estimate
Da�ly.ihtetesl.charges.from'
001
#. 1
1,4$1.48 :
Homeowner s insurance: 511.0301W
734.83
# 903 165,45
163
300.00 194 00
Loan Terms
Your imliai loap�amaunt is: '" °�
$97,600.00
Your.loan term Is
30.years
Your�m(iat interest rate is 4.1250%
Your 1nll(a! y
rnonih! amount owed Jor pf�n4�pal,Era rest,an any IN gage $473.02 includes
insurance is r��t
z nX Principal ,
X❑Interest l
i;
❑Mortgage Insurance
Can yoGr mteresf ratense2' :
XX No. ❑Yes,it can rise to a maximum of °�.The first change
will be on t t and can change again every years after 1 1 Every
change date,your interest rate can increase or decrease by %.Over the life of
the I y interest loan, aur.i res rate is guaranteed to never be lower Ihan 3'°or higher
than %.
Even tf yoU Ina ko payments on lints Cali�oiiFloan balance nse? X No.
Yes,if can rise to a maximum of$ ,
Even jf.yau trick:paymeri(s on Ume, apypGh.mOnihiy amount owed for; No. [�Yes,the first increase can be on / I and the monthly
PH.; irileresl,and`mortgage insuranci risQ? amount owed can rise to$
The maximum ii can ever rise to is$
Does your loan hfiVe a pr'epaymen(pehWty2 X No.
,.
❑ Yes,your maximum prepayment penalty is$
Does your loan have a'balloon `a';meril7
p y X❑No. ❑Yes,you have a be payment of$ due in
.:...:
. ears an ! 1
z
y
7olal monthly arnaunt owed mcludfng esaaw account payments You do not have a monthly escrow payment for items,such as property taxes
t ❑ y
n ce. u mu these i yourself,
�d homeowners' insurance.You must pay th 'terns directly yours I
Q You have an additional monthly escrow payment of$99.59
that results in a total initial monthly amount owed o$ 2.61.This includes principal,inleresl,any
r t
i 57
mortgage Insurance and any items checked below:
Lai
Properly saxes ❑Homeowner's insurance
Flood insurance ❑
: . 0 Misc impound f--t
Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your lender.
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HUD-1
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 I have received a copy of the HUD-1 Settlement Statement.
John W.Neil,If Helen M.Neil
ESTATE OF MARIE T.HINKEL
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(his statement I
SETTLEMENT AGENT DATE j
R.
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WARNING:IT 1S 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. I
i
Previous editions are obsolete Page 4 of 4 HUD-1
Name of Borrower: Name of Seller: File Number.
John W.Neil,11 Estate of Marie T.Hinkel PY013-7
Helen M.Neil
Prepared 03108/2013 at 4:09 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$0.00)
Loan Origination Fee to Cody Financial Mortgage Servccr$ 2,684.00
Administration Fee to Cole Taylor Bank $ 750.00
802, Your credit or charge(points)for the specific interest rate chosen
Loan Discount Fee to Cole Taylor Bank $ 146,40 i
803. Your adjusted origination charges 3,580.40 0.00
Name of Borrower: Name of Seller: File Number:
John W,Neil,11 Estate of Marie T.Hinkel PY013-7
Helen M.Neil
Prepared 03/0812013 at 4:09 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;;, f.:ate.-..;: Borrower Setter
{i0i.Title services and tender's title insurance to Pyramid land Transfer,LLC
Notary Fees to Pyramid Land Transfer LLC $ 22.00 22.00
Document Retrieval Fee to Pyramid Land Transfer,LLC $ 50.00 50.00
Wire Transfer Fee to Pyramid Land Transfer,LLC $ 10.00 10.00
Overnight Package to Pyramid Land Transfer,LLC $ 15.35 '1535
1102.Settlement or closing fee to $ 0.00
1104.Lender's title insurance to Pyramid Land Transfer,LLC $ 1,089.00 1,089.00
1109,Closing Service Letter to Pyramid Land Transfer,LLC $ 75.04 75.70
Totals: $. 1,261.35 0.00 1,261.35 0.00 j
SellerlUndei•credits shown on page 1 POC=Pild Outside Glosind.CR=Lendii-Cf6dit.l ., ._..>;.,. :...
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Previous editions are obsolete {
O 1! 1 ! •
PYRAMID LAND TRANSFER, LLC RE ESCROW ACCOUNT TRO., 5563
26 W. HIGH STREET,STE 301 BANKI.,
CARLISLE,PA 17013
CARLISLE;PA,
_
60!-184/31'-:
3
03/11/13
1.1
%Y TO THE
3DER OF
Estate of Marie T. Hinkel
**$30,644.24**
*****THIRTY THOUSAND -SIX HUNDRED, FORTY FOUR':`..DOLLARS' and
24/1100' DOLLARS
VOID AFTER 94 DAYS
MO Estate -of Marie T. Hinkel auTHORIZ
ED,SIGNAT
PYO13-7RCS 16 Wiltshire East, Carlisle, PA 17015 SAE> ?
11'005S63111 1.03 13018461: 53 900 240 2118
'Y-RA.IVIID I—AND TRANSFER, LLC
Date: 03/11/13 Am 5563
Amount: 30,644.24 File Number: PY013-7RCS
Check #; 5563
Pay to: Estate of Marie T. Hinkel
Buyer: John W. Neil, II and Helen M. Neil
Seller: Estate of Marie T. Hinkel
'roperty: 16 Wiltshire East, Carlisle, PA 17015
30,644.24 Cash from Closing
'
, nsv1508ex~(6-98
SCHEDULE E
COMMONWEALTH OF PENNSYLVANIA CASH, BANK DEPOSITS, & MISC.
INHERITANCE TAX RETURN PERSONAL PROPERTY
ESTATE OF FILE NUMBER �� �---'---
Include MARIE T. HINKEL 0035
^ the proceeds of litigation and the date the proceeds were received by the estate,
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
''EM VALUE AT DATE
mumocn DESCRIPTION. OF DEATH
1, Sale of Personal Property by Stringfellows $1,100.00'
`
^ 2
�
3. Sale of Table to Kathy Holtry $50.00
4, Checking Account with Wells Fargo Bank, N.A.Account Number ending 4862 $3,418.17
'
5, Refund of Homeowners Insurance Payment from Erie Insurance $185.00
7. Reimbursement of Medicare Part B Insurance $138.00
8 Savings Account with Fulton Bank Account Number 1371-85913 $666.18
6. Refund from Comcast $8.33
'
�
9. Checking Account with Fulton Bank Account Number 3621-97928 $3,444.17
10, Prepaid Funeral Expenses $1,595.00
`
` 11
12. 2012 State Income Tax Refund $47.00
13. 2012 Federal Income Tax Refund $137,00
14. AT&T Refund $10.00
TOTAL(Also enter on line 5,Recapitulation) $ 15
(If more space is needed,insert additional sheets of the same size)
`
_ ,
MINIM
i
CHARLES STRINGFELLOW 60-8224/2313 4
PH.717-243-6747
I GOLF COURT y...
CARLISLE,PA 17015
DAT
PAY TO
THE ORDER OF
'MEMBERS 1St
FEDERAL CREDIT UMON
a Mechanicsburg,PA 17055 t y
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MEMO t I
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RICHARD E. HOLTRY
KATHY HOLTRY X13 1 fi 272
602 FORGE RD. :,3434 542
CARLISLE,PA 17013
DATE
PAY T
THE O D OF-
DOLLARS
Oouu:a aa.,
Freedom
First
TRUST
www.fmtrustontine.com
MEMO
1.03130 , 3061. 34 3453215 0 2 ? 2
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0068163 11-24
Office AU# 12;0{8; CASHIER'S CHECK j SERIAL.#:.as16300318
ACCOUNT#: 4861-009025
Purcnaser VIOLET LEBO POA •
Purchaser Account: 1009012524862
Operator I.D.: pa000491 pa000491
PAY TO THE ORDER OF ***ESTATE OF MARIE HINKEL
'January�Q,20'i
***Fight thousand one hundred fifty-five dollars and 93 cents*** -**091 55.93 `*
.
WELLS FARGO BANK,N.A. NOTICE TO PURCHASER—IF THIS INSTRUMENT IS LOST, VOID IF OVER US'$ 8,155.93'
604 E HIGH ST STOLEN OR DESTROYED,YOU MAY REQUEST CANCELLATION
CARLISLE,PA 17013 AND REISSUANCE.AS A CONDITION TO CANCELLATION AND NON-NEGOTIAE3�E
FOR INQUIRIES CALL{480}394-3122 REISSUANCE,WELLS FARGO&COMPANY MAY IMPOSE A
FEE AND REQUIRE AN INDEMNITY AGREEMENT AND BOND.
Purchaser Copy..:; .. �«
fficeA 0068163 •i10(8) CASHIER'S CHECK : '6816300318
Office AU# 1214{8} 4
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Operator I.D.: pa000491 pa000491
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PAY TO THE ORDER OF **`ESTATE OF MARIE HINKEL***: .' .January 109 20 3
***Eight thousand one hundred fifty-five dollars and 93 cents*** **$8; 55.93**
WELLS FARGO BANK,N.A. VOID.IFOVER US$ .8,155.93
604 E HIGH ST
CARLISLE,PA 17013
FOR INQUIRIES CALL{480}394-3122
"CONTROLLER .' ..
11468 16 300 3 18,11 o: 1 2 ►000 2 4130: 4A P i nn qn P zIIs
STATE STREET.
RETIREE SERVICES - IF YOU AREN'T ALREADY SIGNED UP FOR DIRECT DEPOSIT,WHY NOT
P.O. BOX 24,989 DO IT NOW AND SAVE A TRIP TOTHE BANK.YOUR MEDICARE PART 6
JACKSONVILLE, FL 32241-4989 REIMBURSEMENT CAN BE DIRECT DEPOSITED INTO YOUR CHECKING OR
SAVINGS ACCOUNT.TO SET UP YOUR DIRECT DEPOSIT,PLEASE
CONTACT THE AT&T BENEFITS CENTER AT 1.877.7'22-0020.YOU WILL
BE ASKED TO PROVIDE YOUR CHECKING OR SAVINGS ACCOUNT NUMBEP
AT 01 154734 87572E422 A**3DGT ROUTING NUMBER,BANK NAME AND ADDRESS.
BENEFITS CENTER REPRESENTATIVES ARE AVAILABLE
MONDAY-FRIDAY FROM 7 A.M.TO 7 P.M.CST.
MARIE T HINKEL
16 WILTSHIRE EAST
CARLISLE PA 1 701 5-6800
COUNT ID AT&T--T9W13Q PERIOD BEGINNING:
kN NAME AT&T COMMUNICATION INC CRP10AR002 PERIOD ENDING:
No
PAYMENT DATE CHECK NUMBER EE SOCIAL SECURITY NUMBER NET PAYMENT
JANUARY 01,2013 138.00
an I.
21 M.—m
AYMENT SOURCES Current Year-to-Date DEDUCTIONS Current Year-to-date
PART B 138.00 138.00
mom
mom
WE 01/01/2013 PLAN NAME. AT&T COMMUNICATION INC
ONE HUNDRED THIRTY-EIGHT DOLLARS NO CENTS
MARIE T HINKEL
16 WILTSHIRE EAST
CARLISLE PA 17015
00
ACCOUNT ID
STATE STREET.
BOSTON, MASSACHUSETTS 02101 AT&T--T9WBQ
ADVICE OF DEPOSIT NON-NEGOTIABLE
t
FultonBank
-�� LISTENING IS JUST THE BEGINNING,'
February 1, 2013
Douglas Law Office
43 W. South St.
Carlisle, PA 17013
Dear Ms. Barbour,
RE: Marie T. Hiifl<el, deceased January 6, 2013
In response to your recent inquiry concernin g the accoun s ma2ntalned in the dame of t
decedent,please be advised that the following accounts were he
open at the date of death.
Savings 41371-85913 Date of death balance$666.18 plus $0.00 accrued
interest,
opened 11/2/05,
titled in her name alone with Clair D. Rice and
Violet M. Lebo as Powers of Attorney
Checking 4,3621-97928 Date of death balance $3,444.17,
opened 2/20/01,
titled in her name alone with Clair D. Rice and
Violet M. Lebo as Powers of Attorney
If you have any other questions,please feel free to contact
me at(717) 327-2497.
Sincerely,
it MIMI
Lj
JOB '
J sphua A. Groff SS YY rr�g tY �+
Credit 1!u S iii I[t 1; S[ v h.rI. i-d i.ts t 3}s.R L+�0'bu ,4 s t, L,
Confirmation P R:r:r� ,:, �,, :;. _:ur}�ti�
Processor - , c n '
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of ra!ia ii¢ 0i the
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rz yS{tar t?t it �S?i: #i�r;fi 4 irfl.t'f}il :3% ,. ts. Ai,,v
h ereiitex[ "w t" vF{ Siep{ to change without r.:j ic`
1,800.FULTON.4 fultonbank.com
Fulton Bank,N.A.Member FDIC. Member of the Fulton Finanria!
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REV-15*1 EX+(12-99)
SCHEDULE H
COMMONWEALTH OF PENNSYLVANIA FUNERAL EXPENSES &
INHERITANCE TAX RETURN
RESIDENT DECEDENT ADMINISTRATIVE COSTS
ESTATE OF FILE NUMBER
MARIE T. HINKEL 0035
Debts of decedent must be reported on Schedule i.
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
1. AUER Cremation Services of Pennsylvania, Inc. $2,013.78
2. Centerville Memorial Park $200.00
B. ADMINISTRATIVE COSTS:
1 Personal Representative's Commissions
Name of Personal Representative(s) VIOLET LEBO &CLAIR RICE $2,853.84
Social Security Numbers)/EIN Number of Personal Representative(s) 171306098
Street Address Clair Rice: 208244976
City State Zip
Year(s)Commission Paid; 2013
2. Attorney Fees DOUGLAS LAW OFFICE $2,853.84
3, Family Exemption:(If decedent's address is not the same as claimant's,attach explanation)
Claimant
Street Address
City State Zip
Relationship of Claimant to Decedent
4. Probate Fees Register of Wills $148.50
Accountant's Fees
6. Tax Return Preparer's Fees
7. AT&T $20.00
8. Seller's Assistance to purchasers of Home, John & Helen Neil $560.00
9. Real Estate Sales Commission to Help U Sell and Prudential Homesale $7,545.00
10. Real Estate Transfer Fee to Recorder of Deeds $1,220.00
11. ReSale Certificate for Sale of Real Estate $150.00
12. Final Water& Sewer reading to S. Middleton Twp, Municipal Authority $93.80
13. UGI $127.22
14. Homeowners Insurance Payment to Erie Insurance $132.50
15. 2013 County Real Estate Taxes $288.13
16. South Middleton Township Utility Bills $126.30
17. Met Ed $103.13
18. Century Link $136.45
TOTAL(Also enter on line 9,Recapitulation) $ 23 930.10
(If more space Is needed,insert additional sheets of the same size)
• Continuation of REV-1500 Inheritance Tax Return Resident Decedent
MARIE T. HINKEL 21 13 0035
Decedent's Name Page 1 File Number
Schedule H -Funeral Expenses &Administrative Costs -137.
ITEM
NUMBER DESCRIPTION AMOUNT
19. Recapture of Social Security Payment(Include?) $1,727.00
20. Family Home Medical Supplies $26.01
21. Forest Park Health Center $3,080.00
22. Guardian LTC Pharmacy $143.35
23. Register of Wills $65.00
24. Pinnacle Health $19.85
25. Advertising to The Sentinel $221.40
26. Advertising to Cumberland Law Journal $75.00
SUBTOTAL SCHEDULE H-B7 $5,357.61
MAT)41y ft,
�S� �� AUER SERVICES OF PENNSYLVANIA �E.
-'A �C1r"� 4100.Jonestown Road « }3arrisburg, PA 17109 • 1-800-720-8221 �
NSYI<,vANY�� Fax 7I7-541-9943 *Shawn E. Carper,Supervisor
130024 SVPS
Jan 7 , 2013
Mrs . Violet Lebo
113 Springview Road
Carlisle, PA 17015
Marie T. Hinkel - Deceased -
SPECIAL, CHARGES
X Direct Cremation
Nationwide Guarantee Program $1 ,695. 00
Worldwide Travel Protection Program
TOTAL SPECIAL CHARGES
PROFESSIONAL ES
SERVIC $1 ,695. 00
X Services of Funeral. Director &Staff
Dressing/Cosmetizing Included
Facilities & Staff for Memorial Service
Staff & .Equipment for Memorial Service
Private ID Family Viewing
Witnessing the Cremation
Packaging/Forwarding of Cremated Remain
X Personal Delivery- of Cremated Remain s
Scattering of Cremated Remains s $95 . 00
TOTAL PROFESSIONAL SERVICES
AUTOMOTIVE EQUIPMENT $95 .00
X Removal Vehicle
Lead Car/Clergy Car Included
Family Car
Service Vehicle
TOTAL AUTOMOTIVE EQUIPMENT
$0. 00
t t
Centerville Memorial Park
Billing Statement
January 20, 2013
Grave opening for Marie Hinkle
$200.00
Balance I Due $200.00
Please make check payable to Centerville Memorial Park
Mail payment to
Robert Lloyd II
233 Southside Dr
Newville PA 17241
t
RECEIPT FOR PAYMENT
GLENDA FARNER STRASBAUGH Receipt Date : 1/10/2013
Cumberland County - Register Of Wills Receipt Time ; 11 : 38 ; 21
One Courthouse S care Receipt No. ; 10'72644
Carlisle, PA 177 13
HINKEL MARIE T
Estate File No.' : 2013-00035 _ - -
Paid By Remarks : DOUGLAS LAW OFFICE
DMB
--- _ _________ ____ Receipt Distribution --- ----------- ---- - - -- - - -
Fee/Tax Description Payment Amount Payee: Name
PETITION LTRS TEST 45 . 00 CUMBERLAND COUNTY GENERAL FUN
WILL 15 . 00 CUMBERLAND COUNTY GENERAL FUN
SHORT CERTIFICATE 30 . 00 CUMBERLAND COUNTY GENERAL FUN
INVENTORY 15 . 00 CUMBERLAND COUNTY GENERAL FUN
INH TAX_ RETURN
`ICS FED 15 . 00 CUMBERLAND COUNTY GENERAL FUN
23 . 50 BUREAU OF RECEIPTS & CNTR M. D
AUTOMATION FEE ________ 5 , 00 CUMBERLAND COUNTY GENERAL FUN
Check# 1624 148 . 50i-
Total Received. . . . . . . . . 148 . 50
4
The Sentinel
DOUGLAS LAW OFFICE AD NUMBER PAGE NO.
www.cu.mberlink.com 43 W.SOUTH ST; 41$$37 1 of 1
CARLISLE,PA 17013 BILL DATE SALESPERSON
r 717-243-1790 03/20/13 w01fc.
CARMSIE 5!•iPPEPt.WURC; PERRY(.'aJN?Y
START DATE STOP DATE
03/06/13 03/20/13
AD NUMBER AD DESCRIPTION CLASS I LINES
418837 EXECUTOR'S NOTICE LETTERS TESTAMEN 10 PUBLIC NOTICES 1 48 * 2 cols
Publication Insertions Rate Net Amount Gross Amount
3 THE SENTINEL-LEGAL 3 LGL $254.88
TOTAL AD CHARGE $254.88
3 MOBILE SITE MOB2 $2.00
3 PROOF OF PUBLICATION 01 PRF $7.00
'Purchase Order Est.MadeHinkelLewis PAY THIS AMOUNT $263.88 $316.66*
*AFTER 04114/1.3.
THE SETINEL
Thank you for advertising with The Sentinell Deadline for c!o LEE NEWSPAPERS
in-column legal ads is 4:00 p.m.two business days prior to Pt?BQC 540
date of insertion. For questions,call(717)240-7130. WATERLOO.IA 50704-0540
Return this portion with your payment Legal
THE SENTINEL
❑ Check# ❑Credit Card Ad Number 418837
c/o LEE NEWSPAPERS ❑ ® ❑ ❑ ❑ Billing Date 03/20/13
PO BOX 540
WATERLOO IA 50704-0540 Acct M. r Amount Due $ 263.88.
Ew Date:�❑ l i J ,
Name on credit card
Signature
Please make checks payable to: THE SENTINEL
000217 THE SENTINEL
DOUGLAS LAW OFFICE c/o LEE NEWSPAPERS
43 W.SOUTH ST. PO BOX 742548
CARLISLE, PA 17013 CINCINNATI OH 45274-2548]] t
215402000000041883700000000000000031666000;00263889
CUMBERLAND LAW JOURNAL
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
Tele: (717)249-3166 Fax:(717)249-2663
March 29, 2013
Cumberland Law Journal is published-every Friday by the Cumberland County
Bar Association and is designated by the Court of Common Pleas as the official legal
publication for Cumberland County and the legal newspaper for publication of legal
notices.
TO: William P. Douglas, Esquire
RE: Marie T. Hinkel Estate
Legal advertisements must be received by Friday Noon. All legal advertising
must be paid in advance. Make all checks payable to: Cumberland Law Journal.
Advertisement inserted on the following dates:
March 15, March 22, and March 29, 2013
Advertising Cost $ 75.00
Proof of Publication $ 0.00
Second Proof Request $ 0.00
Payment received $ 0 .00
Total Amount Due $ 75.00
Payment received by
at&t
Statement Date: January 9, 2013 0 AT&T Benefits Center Web site
w Y �'r through http://resources.liewitt.com/att
vo7os�z
MARIE T. HINKEL AT&T Benefits Center
16 WILTSHIRE EAST 1-877-722-0020
CARLISLE PA 17015 7 a.m. to 7 p.m. Central Time, Monday
through Friday.
Billing Notice
Account Number 400320093
This bill is for your benefit coverage.
Previous - Payments + Current Billing + Account = Total
Balance Received Period Charges Adjustments Amount Due
$10.00 $0.00 $10.00 $0.00 $20.00
Immediate action is required. Your full payment of$10.00 must be received by
03-01-2013, or these benefits will be canceled retroactive to 12-31-2012 and you may not
be able tore-enroll.
Convenient Payment Options
Consider making electronic payments-it's fast and easy. See the back of this notice for details.
Please include your account number on your check or money order. Do not include any
additional correspondence with your bill. Any correspondence returned with your bill will be
discarded.
Total Amcun. Dui.,"$20;00.
MARIE T. HINKEL
• Make your check or money order payable to AT&T Inc. (do NOT send cash).
• Tear off and enclose this portion of the bill with your payment in the envelope provided.
• See the For More Information section on the back of this bill for address or coverage changes.
3349 000678 400320093 002000 03012013 1 8
AT&T INC.
P.O. BOX 0678
CAROL STREAM IL 60132-0678
I�II11� �1111� 1111� �1111111111111
400320093 03349-VO76312 ;
Heather Barbour<hbarbour @earthlink.net>g
Re:Hinkel to Neil
<` March 8,2013 10:22:53 AM EST
Tammie Peters<ipeters@ssr-attorneys.com>
William Douglas<douglaslaw@earthlink.net>
Bill- Please review the attached email listed beneath the final meter reading.
Tamrnie: Attached is the final meter reading. Please contact Bill at the addresses I sent to you yesterday as I will be leaving at noon today. Please confir m you
received it as there seems to be some contusion on that end.
Thank You,
Heather
_ 9
�i Q
Ado '7 Admmistration of:
P.O.Box 8
345 J&l~UtXxx Lear Lane Seaver System
Boiling Springs: PA 1700'7-0009 Water System
Telephone:717-258.6471;
Rabsii L Kissinger,Operations Manager Fax:717.258-3599
Website:www.srnlrna.oru
erriail:rkissinger@sttitma,org
March 5, 2013
Douglas Law Office
Attn: Heather
RE: Final Water and Sewer Billing (Seller)
Marie Hinkle
16 Wiltshire East
Carlisle, PA 17015
Acct, #01700132
AMOUnt: $93,80 (Water& Sewer)
To Whom It May Concern.
The above listed amount is the FlInal Bill for water and/or sewer service for the seller to
cover service from January 1, 2013 to March 11, 2013. Payment of this arnount will
clear all charges owed against the property for the seller listed above,
Please make check payable to SIVITMAI P.O. Box 8, BOilin S rin s PA 17007 and
reference the account number on the payment.
Thank you,
lamia IIAaffPrt
.._ ;
345 Lear Lane
PO Box 8
Oiling Springs, PA 17007-0008
P111. 01700132 I 03/04/2013
��
126.30
MARIE HINKEL 0 Check Box for •
16 WILTSHIRE EAST correspondence on back
CARLISLE PA 17015- of this Stub.
SERVICE ADDRESS 16 WILTSHIRE EAST F .n1o.
--- 01700132
BILLING PERIOD COVERED KEEP THIS PORTION
OF THE BILL FOR
FROM YOUR RECORDS.
02/04/2013
TO
02/04/2013
SERVICE REMINDER • TOTAL
WATER 33.55
FIRE
SEWER 92.75
• 03/04/2013 •' •
--- - Will ' ' PLEASE SEE ADCITIONA'
IMPORTANT INFORMA T ION
126.30 ON THE BACK OF THIS BILL
REMINDER NOTICE***"********
We have not received your 4th Quarter Water/Sewer PAYMENT IN FULL. Fourth quarter
net charges were due by February 4, 2013. Please remit the total amount shown by the
final due date of March 4, 2013 to avoid additional charges. If you have already et your
payment, PLEASE ACCEPT OUR THANKS. y y
+++++++++++++++++ADDITIONAL NOTICE+++++++++++++++++
THIS NOTICE MAY INCLUDE AMOUNTS OLDER THAN 60 DAYS. Amounts more than 60
days past due are due IMMEDIATELY or may be processed for collection and can result in
I
ermination of service at any time.
IL '-ist tilt[Information-UGI Utility
The account balance on your last bill wr;s
SAS Srnl,lct Payments '116.00 V
u{ri?E;
Adjustments..................................................................... 0.00
Billing Summary for Service ta: '
MARIE HINKEL EST
Your balance as of 03/.14/2013(due now 27.41 214,787623043
16 WILTSHIRE EAST ST ) F,37 1
CARLISLE PA 17015
Rate Classification: Current Bill Information-UGI Utility
Residential Heating Customer Charge................ . .. . . ....•••
Billing Period: ...................... 5.42
Commodity Charge(22 CCF at$0.53727)
11 02/20/2013 to 03/11/2013(19 days) Distribution Charges
82.......................
Final Read PA State Tax Surcharge "'"'"'""'""""" ° 9.11
harge........•.......I........—.....•..... 0.12
Questions? PA Sales Tax
Call 800-276-2722 or write to UGI at Total Current Charges-IJGI Utility.................................... 1.58
PO BOX 13009 UGI Utility charges owed this bill 27.81
Reading,PA 19612-3009
...............•....................................................... $
Total
Your current UGI charges include 91.
Amount Due,Please Pay by Due Date(04/04/2013).............
` ............ '
State taxes totaling about$2.42. ............ �91.
2.10 Average CCF Per Day Meter Reading Information
1.89
Meter Number Previous Reading Present Reading CCF Used
1.68 1270531 5105(company) 5127(final)
22
1'47 Messages from UGI
1.26 0 Your
1.05 5 current price to compare is$0.55048/CCF.
'
0.84 'Your total annual usage is 316 CCF. Your average monthly usage is 26 CCF.
0.63 'Thank you for your business. You have maintained an excellent payment histor y
0.42 This bill may be used as a credit reference for obtaining future utility service. with UGI.
0.21
0.00 ®Help prevent pipeline damage,accidents and service disruptions.Call 811 before you dig,
MAMJJ A50NDJ FM
2012 Months 2013
Last This
Average Year Year
CCF/day 1.47 1.16
Daily temperature 47°F 38°F If You Pay at a payment agent please take your entire bill. Make.check payable to UGI.
Keep this part for your records. Important information is on the back of this bill.
PO Utilities,Inc. CuStOMer Number Please pay by the due d�
PO Box 15523 WE- 214787623043 to avoid the late charge.
Wilmington,DE 19886-5523 Please return this portioi
SAS SfflI? f
with your payment
. r t• i�• r{�}*LLyt,,�",t �t.�'hr'
�JH1.R �S^R
AT'.01: Oi.5475 27470B-54 Ax•*3DGT ` , April 4, 2013
4
i'li".'�i.illr?illl Am
ount I
MARIE T :H IN'K E L' EST
$ 91.22
43
W.
C . '
— a SOUTH ST.
S LA R E P 7 013 3
' $ 92.36
27.0
21478762304304040200009122000114000
OOOODOOOOOQOD000001,
14ltlL
-fA W4
019'E9211 UOt :19'E051 'EtE0:1 all 2'00.11
UOMML
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1 0 aft
3 HJ
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£� -4;lee9 £LOLL Vd`31Snad0
'1S Hlnoi M£tr
iNn000d vrioi
Sow:jo 111 vi svionoa
6L1L3
UGI Utilities,Inc. Customer Number Please pay by the
PO Box 15523 214787623043 to avoid the late c
Wilmington,DE 19886-5523 Please return this
OAS SINVICE with your paymen
h r <j_?:'°'i�K':jr>�•+.'yv'•}rt�•�}��?.i'i S}r r ailq; 4{:! s� rr+t�.�r �3 '�` (}.P��,ti`'ru;S,
q, F tt<�{t�17 ., a 4.f t�f�i�j,�,t"L'tu�•�{r� R l rt n t�'f, t?� ,�4iCP'
It;��
} s<{r`r' r ihn r n}yyr� Ir p{ +�. mY(�
I� w.' i!' t'+, atY�'j?s February V
#' y � . ( r r Pk 5
AV`Oi 003902 03987 16 A *5DG`r }4 { 1}FiY�@JJr��t4 Sre,i4�lii i`S}i J t
• {i t�; i }f�!}rr j+ 1! � 9"^i��•i tW
Y { Amount
� ��.�1:��t��rl� �fiff.1-i
K $ 36.00
11 M �5 '.rrf ii f'S! Sint�.tb�Y3 4 k i1i Lt
-11 x r
I6' WILTS.IIRE Pill
. r;. a5 #r t d+t t?i m i}l +z 3z'`r f R '�f i +r ? �' i ��
CARL ISLE Pa I7�I5 68.00 }, t =t,t4,�t=�r� ,, r; r{;4� � � n
$ 36.45
4 }
: t
2147876230430213010000360000004500000000000000000000o
E-nE! Insurance Insured Copy
Exchange
g
Member Erie Insurance Group Mail Date: 01/22/2013
00 Erie Ins.PI. • Erie,PA 16530
Premium Invoice
Named Insured
MARIE HINKEL Policyholder: MARIE HINKEL
16 WILTSHIRE EAST Policy Number:
CARLISLE PA 17015-6800,:!'} Q601206621
�'� Policy Type:e: Home Protector
24871007 Policy Period: 12/12/2012 - 12/12/2013
AA8488 Previous Minimum.Due: $68.75
Payment: Thank You! $63.75 CR
Net Adjustments: $0.00
Past Due Amount: $5.00
Current Installment: $0.00
ERIE Agent Billing Fees Due: $0.00
Agent Number AA8488 To pay in full $132-50
CHARLES G LEON INS AGCY LLC Mmirpurpue.
PO BOX 309 r
OTTSVILLE, PA 18942-0309 Due Datum 02/12%2013
(610) 847-5364 Thank you for choosing Erie Insurance for your
insurance needs!
See Summary Page for important policy messages.
Nant to pay this bill online? Go to www.erieinsurance.com, Pay My Bill and make a convenient,,secure online payment.
ether bill paying options are also available on our Web site. Contact your Agent with questions or coverage changes.
Fees will be added for any returned payments and included on future invoices.
Detach here PC0004 Keep top portion for your records/Return bottom portion with your payment
�...----•-----•----- --- ------------- Detach here
'C0004
Page 3 of 3
Met-Ed Bill Based On Eslimaled Meter Reading Page 1 of 2
"'' a` February 12, 2013 M68
Billing Period: Jan 11 to Feb 08,2013 for 29 days Account Number: 100 055 545 337
Bill For: MARIE T HINKEL
16 WILTSHIRE EAST Amount Due $103 93
CARLISLE PA 17013 Due Date: March 04, 2013
To report an emergency or an outage,call 24 hours a day 1-888-544-4877. For Customer Service call 1-800-545-77 4 1 For Payment Options,call
1.800-962-4848 Pay your bill online at www.firslenergycorp.com
Bill issued by:Met-Ed,PO Box 16001,Reading PA 19612-6001
!:Mesa es
nmiry
Amount Dui
REMINDER NOTICE*" Previous Balance
When this bill was prepared,your account had an unpaid balance. If Payments/Adjustments 48
you have already made This payment, thank you. If not, please 0C
promptly pay the overdue amount. Call us if you have questions or for Balance at Billing on Feb 12,2013 48.5
information on payment arrangements. Met-Ed -Consumption 539
To avoid a 1.50% Late Payment Charge being added to our bill, Late Payment Charges 0.7
please pay the Amount Due by the Due Date. y Total Current Charges 54.
Your current PRICE TO COMPARE for generation and transmission Amount Due b Mar 04,2013 $103.1
from Met-Ed is listed below. For ou to save,a su liers rice must
'Usa anformafro for;IN:eter:°Nuinber.G9954T54
be lower. y Pp p Feb 08,2013 KWH Reading(Estimate) 53,92
Standard Residential-0003214140-8.88 cents per KWH Jan 11,2013 KWH Reading(Actual) 53,55:
Customer reserves the right to shop for an electric supplier. KWH used 361
Your next meter reading is scheduled to occur on or abouth1 es From....NE
...
Mar 11,2013. When contacting an Electric Generation Supplier,please provide the following.
Your bill includes $3.28 in PA taxes, of which $2.03 is PA ross Customer Number:0804072483 0003214140
receipts tax. 9 Rate:Standard Residential ME-RSD
Price to Compafe Generation prices and charges are set by the electric generation Customer Charge Default Service 366 KWH x 0.089110 32.61
supplier you have chosen, The Public Utilities Commission regulates Distribution 8.1
9 366 KWH x 0.034180 12.5
distribution prices and services. The Federal Energy Regulatory Consumer Education.Charge 366 KWH x 0.000210 O.Of
Commission regulates transmission prices and services. Solar Requirements Charge 366 KWH x 0.000160 0.0E
Avoid the seasonal highs and lows in your electric bills by signing up Default Service Support Charge 366 KWH x-0.003290 -1.2(
for the Equal Payment Plan(EPP). While in this plan,each month you Non-Uhlily Generation Charge 366 KWH x 0.002580 0.91
are billed one-Twelfth of your estimated annual usage. Your account is Smart Meter Charge 0.9E
reviewed periodically and adjusted, if necessary, to ensure your State Tax Surcharge -0 1 i
payment amount reflects your actual usage. To participate in EPP, Current Consumption Bill Charges 53.90
call our toll-free Customer Service Number, or go online to Late payment charge 0.73
www.firstenergycorp.com. Total Charges $54.63
Return this part with a check or money order
payable to Met-Ed
Me__ t��E.N Re Bin ,PA 16001 Account Number: 100 055 545 337
Reading,PA 19612-6001
A FNstEmW crenr"v
IIII"III'II'II"II'III�IIIIIII'I'II"'I"IIII'IIIIIIII'I'rllrl�l Amount Paid •
00000690 01 AV 0.357 Amount Due $103.13
MARIE T HINKEL
16 WILTSHIRE EAST ST Due Date Mar 04, 2013
CARLISLE PA 17015-6800
MET-ED
PO BOX 3687
AKRON OH 44309-3687
IIIII'II'I'II�III�IIIIIIIII'��IIII'llll���ll��l��l��l������l�l��l
02100055545337000000000000000000000000546300001031 32
• ',enturyLink
P.O. Box 1319
Charlotte, NC 28201-1319
Account Name: MARIE HINKEL
Account Number: 313404139 Page: 1 of 5
Bill Date: Feb. 01, 2013
Contact Numbers __ Current Charges Summary Detail Page
Product,Services and Billing '
1-800-201-4099 CenturyLink Packages
3 30.95
Repair Service Package Taxes
1-800-788-3600 — 3 _ 1 .54
Payment or Account Balance 24/7 ® CenturyLink Local Services 3 `
13.41
1-800-201-4099
QHigh Speed Internet Tech Support 24/7 CenturyLink Long Distance Services 5 21 .90
1-800-788-3600
Late Fees
Dial-up Internet 24/7 Tech Support 0.85
1-888-872-7313 Total Current Charges 68.65
Financial Services/Payment Arrangements
1-888-646-0004
Visit us online
www.centurylink.com
Previous Balance Payments&Adjs Past Due
Current Charges Amount Due Date Due
67.80 I 0.00 I
L
67,80 I 68.65 I 136.45 I Feb.28,2013
1
Just a friendly reminder that your account is past due.
If you have already made your payment, thank you for bringing your account up to date.
The Due Date On This Bill Applies to Current Charges Only 1 2 4 5 6
***PLEASE FOLD,TEAR HERE AND RETURN THIS PORTION WITH YOUR PAYMENT**
FOR CHANGE OF ADDRESS OR PAYMENT AUTHORIZATION: D
Please check here and complete reverse.Thank You.
Account Number: 313404139
Amount Due By Feb. 28, 2013 136.45
AV 02 045667 75444E177 A**5DGT
MARIE HINKEL CenturyLink
16 WILTSHIRE EAST ST P.O.Box 1319
CARLISLE,PA 17015-6800 Charlotte, NC 28201-1319
II�III�IIIII�I�II,III1I fill I1��II�IIIIII�I�III��III�III1I1IIIill
IIIIII'IIIIIIIIIIl IIIIIIIII"I'1'I"Il"Illlll'lllIIIIIIIIIII111'
000031,3404139600000000678020000000000201 13000001364595000000
Uuardian LTC Pharmacy
(814)503-7400
123 Brubaker Road i CUSTOMER NO.;
7634
Brockway, PA 15824 I PAGE: j
United States l I
i DATE: 1 3/3/2013 I
SOLD HINKLE,MARIE REMIT TO ADDRESS:
16 WILTSHIRE EAST
CARLISLE, PA 17015 ! Guardian LTC Pharmacy
123 Brubaker Road
Brockway,PA 15824
USA
I N 000015474 12/3 412012 I IN
CN000004466 1/31/2013 1/30/2013 434.16
IIN000016433 j CR 1/31/2013 -330.29
I 1/31/2013 I IN I 3/2/2013 39.48
I
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IN�Invoicce PY-Applied Receipt UC-Unapplied Cash Payment overdue. Please a
0' B-Debit Note ED-Earned Discount RF-R pay promptly.
Refund Total: 143.35
I CR-Credit Note AD-Adjustment
IT-Interest Payable PI-Prepayment Credit Limit: 0.00 i
—__—_ Credit Available:
— ---- --- 0.00
1 -30 DAYS 0/DUE 31 -60 DAYS O/DUE 61 -90 DAYS O/DUE I OVER 90 DAYS O/DUE
39.48 434.16 i
0.00 0.00
STATEMENT
Forest Park Health Center Resident: Hinkel, Marie (23551)
700 Walnut Bottom Road Location: -
Carlisle, PA 17013-3699 Statement Date: 3/1/2013
(888).880-7090
ALL TRANSACTIONS PROCESSED AFTER Feb 28, 2013
WILL APPEAR ON YOUR NEXT STATEMENT
William Douglas
43 West Stout Street
Carlisle, PA 17013
Amount Due $3,080.00
PLEASE DETACH AND RETURN WITH YOUR PAYMENT Amount Enclosed $
Forest Park Health Center Resident: Hinkel, Marie (23551)
700 Walnut Bottom Road Location: -
Carlisle, PA 17013-3699 Statement Date: 3/1/2013
(888) 880-7090
Effective
Date Description Units Unit Amount Amount
BALANCE FORWARD $3,080.00
BALANCE DUE $3,080.00
PAYMENT IS DUE ON RECEIPT
QUESTIONS REGARDING BILL?
PLEASE CALL 888-880-7090/NICOLE M. EXT 807
Nicole.mocik@guardianeldercare.net
WE ACCEPT
VISA/MASTERCARD/DISCOVER/AMERICAN EXPRESS
(SEE BACK OF BILL)
PAST DUE: This balance is room and board for December 26-31 and Jan 1-5. If this bill is to be paid by an estate
please forward the bill to the attorney and provide us with attorney contact information.
Guardian LTC Pharmacy
(814)503-7400
123 Brubaker Road CUSTOMER NO.: 7634
Brockway,PA 15824 PAGE: 1
United States
DATE: 3/3/2013
SOLD HINKLE,MARIE REMIT TO ADDRESS:
TO: 16 WILTSHIRE EAST
CARLISLE,PA 17015 Guardian LTC Pharmacy
23 Brubaker Road
r1EBrockway,PA 15824
USA
• • =gal • 4•w w
I N000015474 12/31/2012 TIN
CN000004466 1/30/2013 434.16
1/31/2013 CR -330.29
IINO00016433 1/31/2013 I N 3/1/31/2013
! 39.48
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IN-Invoice PY-Applied Receipt UC-Unapplied Cash Payment overdue.Please pay promptly.
DB-Debit Note ED-Earned Discount RF-Refund Total: 143.35
CR-Credit Note AD-Adjustment
IT-Interest Payable PI-Prepayment Credit Limit: 0.00
Credit Available: 0.00
1 -30 DAYS O/DUE 31-60 DAYS O/DUE 61 -90 DAYS O/DUE OVER 90 DAYS O/DUE
39.48 434.16 0.00 0.00
S.TA.TEMENT OF-MEDICAL SER VICES
LAST STATEMENT DATE: 05/03/12
''tiA(,"i...#-.'ii-A NEW CHARGES: $287.02
Prover NEW PAYMENTS: $152.87
NEW ADJUSTMENTS: $120.75
INSURANCE BALANCE: $33.25
Any Questions, Please Contact: PHNS AT 717-231-8960 OR 1-800-565-6229 YOUR BALANCE: $19.85
t ..
.. t - 1,^.f� 1 to "° :t;'Y'�%f' •t' t
t.y#1 !X'p SS:�!•, 4ij1 >.x"i1"i� t,W�'. �� T t , � �'� .� .� A 7 yi n6 j
"'� '%rx �e rn4ti, ': {•,r. r:r q�;r-fij'S rrt�' "77ti f � t�l ;�'a" aka t. � c r� rN t r
`� rd r"v°1: 5,".651 •r fctp i� '; .,�,; '�,y' �i.';�.,� `�.�9 an y: �,u�ti N�.t: 5 � r
;t.;H. . ;f�rr.i', ,����3t,�rz7. :{,.eJ:.n' �;i.'�t�'',•���J~"s�!r,. � � :+ �'><.,�, };i•i ! 4t
... ;._.:-•- ' r .c,r,.ri, s�>r',;;3;.e,t�. ... '' t. ��t� ':kpr!r-wl"�'�l�,p-� f�*`+�^.�c`Y
..i��A"Pi,... rY•'�N.�r,SClW }�/�1 S>'t waL
FED TAX ID B 251709054
INSURANCE YOUR
PATIENT: MARIE HINKEL CHARGE PAYMENTS ADJUSTMENTS BALANCE BALANCE
OP RECUR MED
PERFORMED AT: FAMILY CARE OF DILLSBURG
PERFORMED BY: PHFC OF DILLSBURG
1,/22/12 OFFICE VISIT EST PT LVL 4
PROCEDURE: 99214 DIAGNOSIS: 401.9 130.00 79.40— 30.75— 19�8ur
•/04/12 OFFICE VISIT EST PT LYL 4
PROCEDURE: 99214 DIAGNOSIS: 276.1 130.00 94.25- 30.75- 0.00
`!13112 OFFICE VISIT EST PT LVL 3
PROCEDURE: , 99213 DIAGNOSIS: 6%.2 86.00 53.62- 18.9h6- 13.40
+/13/12 ONE RX,E-PRSCR GENR SENT
0.01 0.01- 0.00
.PROCEDURE: 88553 DIAGNOSIS: 698.2
V15/12 OFFICE VISIT EST PT LVL 4
PROCEDURE: 99214 DIAGNOSIS: 33,5.20 201.00 79.40— 101.75— 19.85
;/15/12 FALLS POC DOCUMENTED
0.01 0.01— 0.00
PROCEDURE: XiOOiX DIAGNOSIS; V15.88
BALANCE: MARIE HINKEL
$19.85
--------'--------------------_____ Pleaso detach and return with PAGE I OF 2
_ _ Your DaYrrerK
For dtfiiee Use On1Y Amount Number. ---��---
Amount Duc:
HI2 REP: PRPY 13055234 $19.85
PINNACLE HEALTH MED SVCS Guarantor Name: Due By:
PQ BOX 1286 MARIE HINKEL 03/25/13
HARRISBURG PA 17108-1286 0.
® 0 El -
HC: I2HO Card Number.
CW Code: Exp.Datc:
ADDRESS SERVICE REQUESTED
Cardholder Name: Amount Paid:
:.heck pox and enter any address or Minimum 711;nt: Si
nsurance corrections on back �'xture:
19 85
Make Check Payable To PINNACLE HEALTH MED SVCS
00009923 01
MARIE HINKEL PINNACLE HEALTH MED SVCS
16 WILTSHIRE EAST PO BOX 1286
CARLISLE PA 17015-6800 HARRISBURG PA 17108-1286
REV-1512 EX+(12-03)
SCHEDULE
COMMONWEALTH OF PENNSYLVANIA DEBTS OF DECEDENT,
INHERITANCE TAX RETURN MORTGAGE LIABILITIES, & LIENS
RESIDENT DECEDENT L
ESTATE OF FILE NUMBER
MARIE T. HINKEL 0035
Report debts incurred by the decedent prior to death which remained unpaid as of the date of death,including unreimbursed medical expenses.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
Mortgage Payoff to Greentree by Assignment from Bank of America $81,117.32
this may need changed when payoff is settled
TOTAL(Also enter on line 10,Recapitulation) $ 81,117.32
(If more space is needed,insert additional sheets of the same size)
:�kJDcRT P. ZIEGLER
f 1f'r0ORDER OF DEEDS
i 3 tjL 15 12 55
[Space Above This Line For Recording Data]
MORTGAGE
MIN: 100070210040011304
DEFINITIONS
Words used in multiple sections of this document are defined below and other words are defined in Sections
3, 11, 13, 18,20 and 21. Certain rules regarding the usage of words used in this document are also provided
in Section 16.
(A) "Security Instrument"means this document,which is dated December 12,2003 , together with
all Riders to this document.
(B) "Borrower"is Marie T Hlnkel
Borrower is the mortgagor under this Security Instrument.
(C) "MERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is
acting solely as a nominee for Lender and Lender's successors and assigns. MERS is the mortgagee under
this Security Instrument. MERS is organized and existing under the laws of Delaware, and has an address
and telephone number of P.O.Box 2026,Flint,MI 48501-2026,tel.(888)679-MERS.
(D) "Lender"is Gateway Funding Diversified Mortgage Services,L.P.
Lender is a Limited Partnership organized and existing under
the laws of PENNSYLVANIA .Lender's address is
500 Office Center Drive,Suite 325, Fort Washington, PENNSYLVANIA 19034
(E) "Note"means the promissory note signed by Borrower and dated December 12,2003 The Note
states that Borrower owes Lender Ninety Thousand Nine Hundred and no/100
Dollars(U.S.$ 90,900.00
plus interest.Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full
not later than January 01,2034
(F) "Property"means the property that is described below under the heading"Transfer of Rights in the
Property•"
(G) "Loan"means the debt evidenced by the Note,plus interest, any prepayment charges and late charges
due under the Note,and all sums due under this Security Instrument,plus interest,
PENNSYLVANIA--mingle Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391/01
ITEM 2760L1(0011)--MERS GREATLAND■
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OR I848PG1978
(H) "Riders" means all Riders to this Security Instrument that are executed by Borrower. The following
Riders are to be executed by Borrower[check box as applicable):
❑Adjustable Rate Rider F-1 Condominium Rider ❑Second Home Rider
❑Balloon Rider ❑ Planned Unit Development Rider ❑Other(s)[specify)
❑ 1-4 Family Rider ❑ Biweekly Payment Rider
M "Applicable Law" means all controlling applicable federal, state and local statutes, regulations,
ordinances and administrative rules and orders (that have the effect of law) as well as all applicable final,
non-appealable judicial opinions.
(J) "Community Association Dues,Fees,and Assessments"means all dues,fees,assessments and other
charges that are imposed on Borrower or the Property by a condominium association, homeowners
association or similar organization.
(K) "Electronic Funds Transfer" means any transfer of funds, other than a transaction originated by
check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic
instrument,computer,or magnetic tape so as to order,instruct,or authorize a financial institution to debit or
credit an account.Such term includes,but is not limited to,point-of-sale transfers,automated teller machine
transactions,transfers initiated by telephone,wire transfers,and automated clearinghouse transfers.
(L) "Escrow Items"means those items that are described in Section 3.
(M) "Miscellane*ous Proceeds" means any compensation,settlement,award of damages, or proceeds paid
by any third party(other than insurance proceeds paid'under the coverages described in Section 5) for: (i)
damage to,or destruction of,the Property;(ii)condemnation or other taking of all or any part of the Property;
(iii)conveyance in lieu of condemnation; or(iv)misrepresentations of, or omissions as to, the value and/or
condition of the Property.
(N) "Mortgage Insurance"means insurance protecting Lender against the nonpayment of,or default on,
the Loan.
(0) "Periodic Payment!.means the regularly scheduled amount due for(i)principal and interest under the
Note,plus(ii)any amounts under Section 3 of this Security Instrument.
(P) "RESPA" means the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.) and its
implementing regulation,Regulation X(24 C.F.R. Part 3500),as they might be amended from tune to time,
or any additional or successor legislation or regulation that governs the same subject matter.As used in this
Security Instrument, "RESPA" refers to all requirements and restrictions that are imposed in regard to a
PENNSYLVANIA—Single Family—Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 30391/01
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"federally related mortgage loan" even if the Loan does not qualify as a"federally related mortgage loan"
under RESPA.
(Q) "Successor in Interest of Borrower"means any party that has taken title to the Property, whether or
not that party has assumed Borrower's obligations under the Note and/or this Security Instrument.
TRANSFER OF RIGHTS IN THE PROPERTY
This Security Instrument secures to Lender: (i)the repayment of the Loan, and all renewals,extensions and
modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this
Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to
MERS(solely as nominee for Lender and Lender's successors and assigns)and to the successors and assigns
of MERS the following described property located in the Count
[Type of Recording Jurisdiction]
of Lancaster
[Name of Recording Jurisdiction]
See Legal Description attached hereto and made a part hereof.
which currently has the address of 16 Wiltshire East
[Stn�et]
Carlisle ,Pennsylvania 17013 ("Property Address"):
(city) [Zip code]
TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
appurtenances,and fixtures now or hereafter a part of the property.All replacements and additions shall also
be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the
"Property." Borrower understands and agrees that MERS holds only legal title to the interests granted by
Borrower in this Security Instrument,but,if necessary to comply with law or custom,MERS(as nominee for
Lender and Lender's,successors and assigns)has the right: to exercise any or all of those interests,including,
but not limited to, the right to foreclose and sell the Property; and to take any action required of Lender
including,but not limited to,releasing and canceling this Security Instrument.
PENNSYLVANIA—Single Family--Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 30391!01
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M .l 848PG 19.75
s
BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has
the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for
encumbrances of record. Borrower warrants and will defend generally the title to the Property against all
claims and demands,subject to any encumbrances of record.
THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform
covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real
Property.
UNIFORM COVENANTS.Borrower and Lender covenant and agree as follows:
1. Payment of Principal, Interest, Escrow Items, Prepayment Charges, and Late Charges.
Borrower shall pay when due the principal of, and interest on, the debt evidenced by the Note and any
prepayment charges and late charges due under the Note, Borrower shall also pay funds for Escrow Items
pursuant to Section 3. Payments due under the Note and this Security Instrument shall be made in U.S.
currency. However, if any check or other instrument received by Lender as payment under the Note or this
Security Instrument is returned to Lender unpaid, Lender may require that any or all subsequent payments
due under the Note and this Security Instrument be made in one or more of the following forms,as selected
by Lender: (a) cash; (b) money order; (c)certified check, bank check, treasurer's check or cashier's check,
provided any such check is drawn upon an institution whose deposits are insured by a federal agency,
instrumentality,or entity;or(d)Electronic Funds Transfer.
Payments are deemed received by Lender when received at the location designated in the Note or at
such other location as may be designated by Lender in accordance with the notice provisions in Section 1S.
Lender may return any payment or partial payment if the payment or partial payments are insufficient to
bring the Loan current. Lender may accept any payment.or partial payment insufficient to bring the Loan
current, without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial
payments in the future, but Lender is not obligated to-apply such payments at the time such payments are
accepted. If each Periodic Payment is applied as of its scheduled due date,then Lender need not pay interest
on unapplied funds.Lender may hold such unapplied funds until Borrower makes payment to bring the Loan
current. If Borrower does not do so within a reasonable'period of time,Lender shall either apply such funds
or return them to Borrower. If not applied earlier, such funds will be applied to the outstanding principal
balance under the Note immediately prior to foreclosure.No offset or claim which Borrower might have now
or in the future against Lender shall relieve Borrower from making payments due under the Note and this
Security Instrument or performing the covenants and agreements secured by this Security Instrument..
2. Application of Payments or Proceeds. Except as otherwise described in this Section 2, all
payments accepted and applied by Lender shall be applied in the following order of priority: (a)interest due
under the Note; (b)principal due under the Note; (c)amounts due under Section 3. Such payments shall be
applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be
applied first to late charges, second to any other amounts due under this Security Instrument, and then to
reduce the principal balance of the Note.
If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a
sufficient amount to pay any late charge due,the payment may be applied to the delinquent payment and the
late charge.If more than one Periodic Payment is outstanding,Lender may apply any payment received from
Borrower to the repayment of the Periodic Payments if,and to the extent that,each payment can be paid in
full. To the extent that any excess exists after the payment is applied to the full payment of one or more
PENNSYLVANIA—Single Family—Fannic Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391/01
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BK 1848PG 1976
Periodic Payments, such excess may be applied to any late charges due. Voluntary prepayments shall be
applied first to any prepayment charges and then as described in the Note.
Any application of payments,insurance proceeds,or Miscellaneous Proceeds to principal due under the
Note shall not extend or postpone the due date,or change'the amount,of the Periodic Payments.
3. Funds for Escrow Items. Borrower shall pay to Lender on the day Periodic Payments are due
under the Note,until the Note is paid in full,a sum(the"Funds")to provide for payment of amounts due for:
(a)taxes and assessments and other items which can attain priority over this Security Instrument as a lien or
encumbrance on the Property; (b)leasehold payments or ground rents on the Property,if any;(c)premiums
for any and all insurance required by tender under Section 5;and(d)Mortgage Insurance premiums,if any,
or any sums payable by Borrower to Lender in lieu of-the payment of Mortgage Insurance premiums in
accordance with the provisions of Section 10.These items are called"Escrow Items."At origination or at any
time during the term of the Loan, Lender may require that Community Association Dues, Fees, and
Assessments,if any,be esirowcd by Borrower,and such dues,fees and assessments shall be an Escrow Item.
Borrower shall promptly furnish to Lender all notices of amounts to be paid under this Section. Borrower
shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds
for any or all Escrow Items.Lender may waive Borrower's obligation to pay to Lender Funds for any or all
Escrow Items at any time. Any such waiver may only be in writing. In the event of such waiver, Borrower
shall pay directly, when and where payable, the amounts due for any Escrow Items for which payment of
Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such
payment within such time period as Lender may require.Borrower's obligation to make such payments and
to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this
Security Instrument,as the phrase"covenant and agreement!'is used in Section 9.If Borrower is obligated to
pay Escrow Items directly, pursuant to a waiver, and Borrower fails to pay the amount due for an Escrow
Item, Lender may exercise its rights under Section 9 and pay such amount and Borrower shalt then be
obligated under Section 9 to repay to Lender any such amount.Lender may revoke the waiver as to any or all
Escrow Items at any time by a notice given in accordance with Section 15 and, upon such revocation,
Borrower shall pay to Lender all Funds,and in such amounts,that are then required under this Section 3.
Lender may,at any time,collect and hold Funds in an amount(a)sufficient to permit Lender to apply
the Funds at the time specified under RESPA, and (b) not to exceed the maximum amount a lender can
require under RESPA. Lender shall estimate the amount of Funds due on the basis of current data and
reasonable estimates of expenditures of future Escrow items or otherwise in accordance with Applicable
Law.
The Funds shall be held in an institution whose deposits are insured by a federal agency,
instrumentality,or entity (including Lender, if Lender is an institution whose deposits are so insured)or in
any Federal Home Loan Bank.Lender shall apply the Funds to pay the Escrow Items no later than the time
specified under RESPA. Lender shall not charge Borrower for holding and applying the Funds, annually
analyzing the escrow account, or verifying the Escrow Items, unless Lender pays Borrower interest on the
Funds and Applicable Law permits Lender to make such a charge.Unless an agreement is made in writing or
Applicable Law requires interest to be paid on the Funds,Lender shall not be required to pay Borrower any
interest or earnings on the Funds.Borrower and Lender can agree in writing, however,that interest shall be
paid on the Funds. Lender shall give to Borrower, without charge, an annual accounting of the Funds as
required by RESPA.
If there is a surplus of Funds held in escrow, as defined under RESPA, Lender shall account to
Borrower for the excess funds in accordance with RESPA. If there is a shortage of Funds held in escrow,as
defined under RESPA, Lender shall notify Borrower as required by RESPA, and Borrower shall pay to
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Lender the amount necessary to make up the shortage in accordance with RESPA, but in no more than 12
monthly payments. If there is a deficiency of Funds held in escrow, as defined under RESPA, Lender shall
notify Borrower as required by RESPA,and Borrower shall pay to Lender the amount necessary to make up
the deficiency in accordance with RESPA,but in no more than 12 monthly payments.
Upon payment in full of all sums secured by this Security Instrument,Lender shall promptly refund to
Borrower any Funds held by Lender.
4. Charges; Liens. Borrower shall pay. all taxes, assessments, charges, fines, and impositions
attributable to the Property which can attain priority over this Security Instrument Imehold payments or
ground rents on the Property,if any, and Community Association Dues, Fees, and Assessments, if any.To
the extent that these items are Escrow Items,Borrower shall pay them in the manner provided in Section 3.
Borrower shall promptly discharge any lien which has priority over this Security Instrument unless
Borrower:(a)agrees in writing to the payment of the obligation secured by the lion in a manner acceptable to
Lender,but only so long as Borrower is performing such agreement;(b)contests the lien in good faith by,or
defends against enforcement of the lien in,legal proceeding's which in Lender's opinion operate to prevent
the enforcement of the lion while those proceedings are pending, but only until such proceedings are
concluded;or(c)secures from the hold"of the lien an agreement satisfactory to Lender subordinating the
lien to this Security Instrument. If Lender determines that any part of the Property is subject to a lion which
can attain priority over this Security Instrument, Lender may give Borrower a notice identifying the lien.
Within 10 days of the date on which that notice isgiveD,Borrower shall satisfy the lien or take one or more
of the actions set forth above in this Section 4.
Lender may require Borrower to pay a one-time charge for a real estate tax verification and/or reporting
service used by Lender in connection with this Loan.
S. Property Insurance. Borrower shall keep the improvements now existing or hereafter erected on
the Property insured against loss by fire, hazards included within the term "extended coverage," and any
.other hazards including,but not limited to,earthquakes and floods,for which Lender requires insurance.This
insurance shall be maintained in the amounts (including deductible levels) and for the periods that Lender
requires.What Lender requires pursuant to the preceding sentences can change during the term of the Loan.
The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's light to
disapprove Borrower's choice, which right shall not be exercised unreasonably. Lender may require
Borrower to pay, in connection with this Loan,either: (a)a one-time charge for flood zone,determination,
certification and tracking services; or (b) a one-time charge for flood zone determination and certification
services and subsequent charges each time,remappings or similar changes occur which reasonably might
affect such dcterrrdnation or certification. Borrower shall also be responsible for the payment of any fees
imposed by the Federal Emergency Management Agency in connection with the review of any flood zone
determination resulting from an objection by Borrower,
If Borrower fails to maintain any of the coverages described above, Lender may obtain insurance
coverage, at Lender's option and Borrower's expense. Lender is under no obligation to purchase any
particular type or amount of coverage,Therefore,such coverage shall cover Lender,but might or might not
protect Borrower,Borrower's equity in the Property,or the contents of the Property,against any risk,hazard
or liability and might provide greater or lesser coverage than was previously in effect. Borrower
acknowledges that the cost of the, insurance coverage so obtained might significantly exceed the cost of
insurance that Borrower could have obtained.Any amounts disbursed by Lender under this Section 5 shall
become additional debt of Borrower secured by this Security Instrument.These amounts shall bear interest at
the Note rate from the date of disbursement and shall be payable.,with such interest,upon notice from Lender
to Borrower requesting payment,
PENNSYLVANIA—Single Farnfly—Fannie MarWreddle Mac UNIFORM INSTRUMENT Form 34391/41
GRATLAND 0
ITEM 27601.6(001 I)—MERS (Page 6 of 16 pages) To Order Call:1-800-530-9393 0 Fax:6E16-791-1131
646PG 1978
All insurance policies required by Lender and renewals of such policies shall be subject to Lender's
right to disapprove such policies, shall include a standard mortgage clause, and shall name Lender as
mortgagee and/or as an additional loss payee. Lender shall have the right to hold the policies and renewal
certificates. If Lender requires, Borrower shall promptly give to Lender all receipts of paid premiums and
renewal notices. If Borrower obtains any form of insurance coverage, not otherwise required by Lender, for
damage to, or destruction of, the Property, such policy shall include a standard mortgage clause and shall
name Lender as mortgagee and/or as an additional loss payee.
In the event of loss,Borrower shall give prompt notice to the insurance carrier and Lender.Lender may
make proof of loss if not made promptly by Borrower. Unless Lender and Borrower otherwise agree in
writing,any insurance proceeds, whether or not the underlying insurance was required by Lender,shall be
applied to restoration or repair of the Property, if the restoration or repair is economically feasible and
Lender's security is not lessened. During such repair and restoration period, Lender shall have the right to
hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work
has been completed to Lender's satisfaction, provided that such inspection shall be undertaken promptly.
Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress
payments as the work is completed. Unless an agreement is made in writing or Applicable Law requires
interest to be paid on such insurance proceeds,Lender shall not be required to pay Borrower any interest or
earnings on such proceeds.Fees for public adjusters,or other third parties,retained by Borrower shall not be
paid out of the insurance proceeds and shall be the sole obligation of Borrower.If the restoration or repair is
not economically feasible or Lender's security would be lessened,the insurance proceeds shall be applied to
the sums secured by this Security Instrument, whether or not then duo, with the excess, if any, paid to
Borrower.Such insurance proceeds shall be applied in the order provided for in Section 2.
If Borrower abandons the Property,Lender may file,negotiate and settle any available insurance claim
and related matters.If Borrower does not respond within 30 days to a notice from Lender that the insurance
carrier has offered to settle a claim,then Lender may negotiate and settle the claim.The 30-day period will
begin when the notice is given. In either event, or if Lender acquires the Property under Section 22 or
otherwise,Borrower hereby assigns to Lender(a)Borrower's rights to any insurance proceeds in an amount
not to exceed the amounts unpaid under the Note or this'Security Instrument,and(b)any other of Borrower's
rights (other than the right to any refund of untamed premiums paid by Borrower) under all insurance
policies coveting the Property,insofar as such rights arc applicable to the coverage of the Property. Lender
may use the insurance proceeds either to repair or restore the Property or to pay amounts unpaid under the
Note or this Security Instrument,whether or not then due,
6. Occupancy. Borrower shall occupy, establish, and use the Property as Borrower's principal
residence within 60 days after the execution of this Security Instrument and shall continue to o I ccupy the
Prop"as Borrower's principal residence for at least one year after the date of occupancy,unless Lender
otherwise agrees in writing, which consent shall not be unreasonably withhold, or unless extenuating
circumstances exist which are beyond Borrower's control.
7. Preservation, Maintenance and Protection-of the Property; Inspections. Borrower shall not
destroy,damage or impair the Property, allow the Property to deteriorate or commit waste on the Property.
Whether or not Borrower is residing in the Property,Borrower shall maintain the Property in order to prevent
the Prop"from deteriorating or decreasing in value due to its condition.Unless it is determined pursuant to
Section 5 that repair or restoration is not economically feasible,Borrower shall promptly repair the Property
if damaged to avoid further deterioration or damage. If insurance or condemnation proceeds are paid in
connection with damage to, or the taking of, the Property, Borrower shall be responsible for repairing or
restoring the Property only if Lender has released proceeds for such purposes. Lender may disburse proceeds
for the repairs and restoration in a single payment or in a series of progress payments as the work is
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completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property,
Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration.
Lender or its agent may make reasonable entries upon and inspections of the Property. If it has
reasonable cause, Lender may inspect the interior of the improvements on the Property. Lender shall give
Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause.
8. Borrower's Loan Application, Borrower shall be in default if, during the Loan application
process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's
knowledge or consent gave materially false, misleading, or inaccurate information or statements to Lender
(or failed to provide Lender with material information)in connection with the Loan.Material representations
include, but are not limited to, representations concerning Borrower's occupancy of the Property as
Borrower's principal residence.
9. Protection of Lender's Interest In the Property and Rights Under this Security Instrument.
If(a)Borrower fails to perform the covenants and agreements contained in this Security Instrument,(b)there
is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this
Security Instrument (such as a proceeding in bankruptcy, probate, for condemnation or forfeiture, for
enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or
regulations), or (c) Borrower has abandoned the Property, then Lender may do and pay for whatever is
reasonable or appropriate to protect Lender's interest in the Property and rights under this Security
Instrument,including protecting and/or assessing the value of the Property,and securing and/or repairing the
Property. Lender's actions can include,but are not limited to: (a)paying any sums secured by alien which
has priority over this Security Instrument; (b)appearing in court; and(c)paying reasonable attorneys' fees to
protect its interest in the Property and/or rights under this Security Instrument,'including its secured position
in a bankruptcy proceeding. Securing the Property includes, but is not limited to, entering the Property to
make repairs, change locks, replace or board up doors and windows, drain water from pipes, eliminate
building or other code violations or dangerous conditions, and have utilities turned on or off. Although
Lender may take action under this Section 9, Lender does not have to do so and is not under any duty or
obligation to do so. It is agreed that Lender incurs no liability for not taking any or all actions authorized
under this Section 9.
Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower
secured by this Security Instrument. These amounts shall bear interest at the Note rate from the date of
disbursement and shall be payable, with such interest, upon notice from Lender to Borrower requesting
payment.
If this Security Instrument is on a leasehold,Borrower shall comply with all the provisions of the lease.
If Borrower acquires fee title to the Property, the leasehold and the fee title shall not merge unless Lender
agrees to the merger in writing.
10. Mortgage Insurance. If Lender required Mortgage Insurance as a condition of making the Loan,
Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect. If, for any reason,
the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that
previously provided such insurance and Borrower was required to make separately designated payments
toward the premiums for Mortgage Insurance,Borrower shall pay the premiums required to obtain coverage
substantially equivalent to the Mortgage Insurance previously in effect, at a cost substantially equivalent to
the cost to Borrower of the Mortgage Insurance previously in effect, from an alternate mortgage insurer
selected by Lender. If substantially equivalent Mortgage Insurance coverage is not available,Borrower shall
continue to pay to Lender the amount of the separately designated payments that were due when the
insurance coverage ceased to be in effect. Lender will accept, use and retain these payments as a non-
refundable loss reserve in lieu of Mortgage Insurance. Such loss reserve shall be non-refundable,
PENNSYLVANIA--Singk Family---Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391/01
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notwithstanding the fact that the Loan is ultimately paid in full, and Lender shall not be required to pay
Borrower any interest or earnings on such loss reserve,Lender can no longer require loss reserve payments if
Mortgage Insurance coverage(in the amount and for the period that Lender requires)provided by an insurer
selected by Lender again becomes available,is obtained,and Lender requires separately designated payments
toward the premiums for Mortgage Insurance. If Lender required Mortgage Insurance as a condition of
making the Loan and Borrower was required to make separately designated payments toward the premiums
for Mortgage Insurance,Borrower shall pay the promiums required to maintain Mortgage Insurance in effect,
or to provide a non-refundable loss reserve, until Lender's requirement for Mortgage Insurance ends in
accordance with any written agreement between Borrower and Lender providing for such termination or until
termination is required by Applicable Law.Nothing in this Section 10 affects Borrower's obligation to pay
interest at the rate provided in the Note.
Mortgage Insurance reimburses Lender(or any entity that purchases the Note)for certain losses it may
incur if Borrower does not repay the Loan as agreed.Borrower is not a party to the Mortgage Insurance.
Mortgage insurers evaluate their total risk on all such insurance in force from time to time, and may
enter into agreements with other parties that share or modify their risk, or reduce losses.These agreements
are on terms and conditions that are satisfactory to the mortgage insurer and the other party (or parties) to
these agreements.These agreements may require the mortgage insurer to make payments using any source of
funds that the mortgage insurer may have available (which may. include funds obtained from Mortgage
Insurance premiums).
As a result of these agreements,Lender,any purchaser of the Note,another insurer,any reinsurer,any
zother entity,or any affiliate of any of the foregoing,may receive(directly or indirectly)-amounts that derive
from(or might be characterized as)a portion of Borrower's payments for Mortgage Insurance, in exchange
,for sharing or modifying the mortgage insurer's risk,or reducing losses.If such agreement provides that an
.affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the
,insurer,the arrangement is often termed"captive reinsurance."Further:
(a) Any such agreements will not affect the amounts that Borrower has agreed to pay for
Mortgage Insurance,or any other terms of the Loan. Such agreements will not Increase the amount
Borrower will owe for Mortgage Insurance,and they will not entitle Borrower to any refund.
(b) Any such agreements will not affect the rights Borrower has—if any—with respect to the
Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law.These rights may
include the right to receive certain disclosures, to request and obtain cancellation of the Mortgage
Insurance,to have the Mortgage Insurance terminated automatically,and/or to receive a refund of any
Mortgage Insurance premiums that were unearned at the time of such cancellation or termination.
11. Assignment of Miscellaneous Proceeds; Forfeiture. All Miscellaneous Proceeds are hereby
assigned to and shall be paid to Lender.
If the Property is damaged,such Miscellaneous Proceeds shall be applied to restoration or repair of the
Property, if the restoration or repair is economically feasible and Lender's security is not lessened. During
such repair and restoration period, Lender shall have the right to hold such Miscellaneous Proceeds until
Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's
satisfaction,provided that such inspection shall be undertaken promptly.Lender may pay for the repairs and
restoration in a single disbursement or in a series of progress payments as the work is completed. Unless an
agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds?
Lender shall not be-required to pay Borrower any interest or earnings on such Miscellaneous Proceeds,If the
restoration or repair is not economically feasible or Lender's security would be lessened,the Miscellaneous
Proceeds shall be applied to the sums secured by this Security Instrument, whether or not then due,with the
PENNSYLVANIA--Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form-30391/01
EATLAD 8
ITEM 27601.9(001 I)—MERS (Page 9 of 16 pages) To Order Call.1-800-530-093 0 FaGx;R 616-701-N1131
RG 19 6,1
ENNNNM�
excess, if any, paid to Borrower. Such Miscellaneous Proceeds shall be applied in the order provided for in
Section 2.
In the event of a total taking,destruction,or loss in value of the Property,the Miscellaneous Proceeds
shall be applied to the sums secured by this Security Instrument,whether or not then due,with the excess,if
any,paid'to Borrower,
In the event of a partial taking, destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking,destruction,or loss in value is equal to or greater
than the amount of the sums secured by this Security Instrument immediately before the partial taking,
destruction,or loss in value,unless Borrower and Lender otherwise agree in writing,the sums secured by this
Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the
following fraction: (a) the total amount of the sums secured immediately before the partial taking,
destruction, or loss in value divided by (b) the fair market value of the Property immediately before the
partial taking,destruction,or loss in value.Any balance shall be paid to Borrower.
In the event of a partial taking,destruction, or loss in value of the Property in which the fair market
value of the Property immediately before the partial taking, destruction, or loss in value is less than the
amount of the sums secured immediately before the partial taking, destruction, or loss in value, unless
.;.Borrower and Lender otherwise agree in writing, the Miscellaneous Proceeds shall be applied to the sums
secured by this Security Instrument whether or not the sums are then due.
If the Property is abandoned by Borrower,or if,after notice by bender to Borrower that the Opposing
-Party(as defined in the next sentence)offers to make an award to settle a claim for damages,Borrower fails
,.,to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and
.apply the Miscellaneous Proceeds either to restoration or repair of the Prop"or to the sums secured by this
.,Security Instrument, whether or not then due. "Opposing Party" means the third party that owes Borrower
Miscellaneous Proceeds or the party against whom Borrower has a right of action in regard to Miscellaneous
,Proceeds.
Borrower shall be in default if any action or proceeding, whether civil or criminal, is begun that, in
Lender's judgment, could result in forfeiture of the Property or other material impairment of Lender's
interest in the Property or rights under this Security Instrument. Borrower can cure such a default and, if
acceleration has occurred, reinstate as provided in Section 19, by causing the action or proceeding to be
dismissed with a ruling that, in Lender's judgment, Precludes forfeiture of the Property or other material
impairment of Lender's interest in the Property or rights under this Security Instrument,The proceeds of any
award or claim for damages that are attributable to the.impairment of Lender's interest in the Property are
hereby assigned and shall be paid to Lender.
All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied
in the order provided for in Section 2.
12. Borrower Not Released; Forbearance By Lender Not a Waiver. Extension of the timo for
payment or modification of amortization of the sums secured by this Security Instrument granted by Lender
to Borrower or any Successor in Interest of Borrower shall not operate to release the liability of Borrower 0",
any Successors in Interest of Borrower, Lender shall not be required to commence proceedings against any
Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization
of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or
y
any Successors in Interest of Borrower. Any forbearance by Lender in exercising any right or remedy
including,without limitation,Lender's acceptance of payments from third persons,entities or Successors in
Interest of Borrower or in amounts less than the amount then due,shall not be a waiver of or preclude the
exercise of any right or remedy,
PENNSYLVANIA—Singic Faimily—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3039101
GREATLAND 5
ITEM 27801I 0(0011 -MERS (Page 10 of 16 pages) To Order UI*1-WD-530-9=1 0 Nx 616.791-1131
on 8.4 8 PG 19 82
13. Joint and Several Liability; Co-signers;Successors and Assigns Bound. Borrower covenants
and agrees that Borrower's obligations and liability shall be joint and several. However, any Borrower who
co-signs this Security Instrument but does not execute the Note(a"co-signer"): (a)is co-sighing this Security
Instrument only to mortgage,grant and convey the co-signer's interest in the Property under the terms of this
Security Instrument;(b) is not personally obligated to pay the sums secured by this Security Instrument;and
(c) agrees that Lender and any other Borrower can agree to extend, modify, forbear or make any
accommodations with regard.to the terms of this Security Instrument or the Note without the co-signer's
consent.
Subject to the provisions of Section 18,any Successor in Interest of Borrower who assumes Borrower's
obligations under this Security Instrument in writing, and is approved by Lender, shall obtain all of
Borrower's rights and.benefits under this Security Instrument. Borrower shall not be released from
Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in
writing.The covenants and agreements of this Security Instrument shall bind(except as provided in Section
20)and benefit the successors and assigns of Lender.
14. Loan Charges. Lender may charge Borrower fees for services performed in connection with
Borrower's default, for the purpose of protecting Lender's interest in the Property and rights under this
Security Instrument,including, but not limited to,attorneys' fees,property inspection and valuation fees.in
regard to any other fees,the absence of express authority in this Security Instrument to charge a specific fee
to Borrower shall not be construed as a prohibition on the charging of such fee.Lender may not charge fees
that are expressly prohibited by this Security Instrument or by Applicable Law.
If the Loan is subject to a law which sets maximum Ioan charges,and that law is finally interpreted so
-that the interest or other loan charges collected or to be collected in connection with the Loan exceed the
,permitted limits, then: (a) any such loan charge shall be reduced by the amount necessary to reduce the
charge to the permitted limit;and(b)any sums already collected from Borrower which exceeded permitted
limits will be refunded to Borrower.Lender may choose to make this refund by reducing the principal owed
under the Note or by making a direct payment to Borrower.If a refund reduces principal,the reduction will
be treated as a partial prepayment without any prepayment charge(whether or not a prepayment charge is
provided for under the Note).Borrower's acceptance of any such refund made by direct payment to Borrower
will constitute a waiver of any right of action Borrower might have arising out of such overcharge.
15. Nodees. All notices given by Borrower or Lender in connection with this Security Instrument
must be in writing. Any notice to Borrower in connection with this Security Instrument shall be deemed to
have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice
address if sent by other means. Notice to any one Borrower shall constitute notice to all Borrowers unless
Applicable Law expressly requires otherwise. The notice address shall be the Property Address unless
Borrower has designated a substitute notice address by notice to Lender. Borrower shall promptly notify
Lender of Borrower's change of address.If Lender specifies a procedure for reporting Borrower's change of
address,then Borrower shall only report a change of address through that specified procedure.There may be
only one designated notice address under this Security Instrument at any one time.Any notice to Lender shall
be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender
has designated another address by notice to Borrower.Any notice in connection with this Security Instrument
shall not be deemed to have been given to Lender until actually received by Lender.If any notice required by
this Security Instrument is also required under Applicable Law,the Applicable Law requirement will satisfy
the corresponding requirement under this Security Instrument.
16. Governing Law; Severability; Rules of'Construction. This Security Instrument shall be
governed by federal law and the law of the jurisdiction in which the Property is located. All rights and
obligations contained in this Security Instrument are subject to any requirements- and limitations of
PENNSYLVANIA—Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3091A1
ITEM 2760L11(0011}—MERS (Page 1I of 16 pager) To Order Call:1.800-530.93930�616-791,1131
' K1. 848 FIG 1983
Applicable Law. Applicable Law might explicitly or implicitly allow the parties to agree by contract or it
might be silent,but such silence shall not be construed as a prohibition against agreement by contract.In the
event that any provision or clause of this Security Instrument or the Note conflicts with Applicable Law,such
conflict shall not affect other provisions of this Security Instrument or the Note which can be given effect
without the conflicting provision.
As used in this Security Instrument: (a) words,of the masculine gender shall mean and include
corresponding neuter words or words of the feminine gender; (b) words in the singular shall mean and
include the plural and vice versa;and(c)the word"may"gives sole discretion without any obligation to take
any action.
17. Borrower's Copy.Borrower shall be given one copy of the Note,and of this Security Instrument.
18. Transfer of the Property or a Beneficial Interest In Borrower. As used in this Section 18,
"Interest in the Property"means any legal or beneficial interest in the Property,including,but not limited to,
those beneficial interests transferred in a bond for deed, contract for deed, installment sales contract or
escrow agreement,the intent of which is the transfer of title by Borrower at a future date to a purchaser.
If all or any part of the Property or any In*terest in the Property is sold or transferred(or if Borrower is
not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior
written consent, Lender may require immediate payment in full of all sums secured by this Security
Instrument. However, this option shall not be exercised by Lender if such exercise is prohibited by
Applicable Law.
If Lender exercises this option, Lender shall give Borrower notice of acceleration. The notice shall
provide a period of not less than 30 days from the date the notice is given in accordance with Section 15
within which Borrower must�pay all sums secured by this Security Instrument.If Borrower fails to pay these
sums prior to the expiration of this period, Lender may invoke any remedies permitted by this Security
Instrument without further notice or demand on Borrower.
19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions,
Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior
to the earliest of: (a)five days before sale of the Property pursuant to any power of sale contained in this
Security Instrument;(b)such other period as Applicable Law might specify for the termination of Borrower's
right to reinstate; or (c) entry of a judgment enforcing this Security Instrument, Those conditions are that
Borrower:(a)pays Lender all sums which then would be due under this Security Instrument and the Note as
if no acceleration had occurred; (b) cures any default of any other covenants or agreements; (c) pays all
expenses incurred in enforcing this Security Instrument, including, but not limited to,reasonable attorneys'
fees, property inspection and valuation fees,and other fees incurred for the purpose of protecting Lender's
interest in the Property and rights under this Security Instrument; and (d) takes such action as Lender may
reasonably require to assure that Lender's interest in the Property and rights under this Security Instrument,
and Borrower's obligation to pay the sums secured by this Security Instrument, shall continue unchanged.
Lender may require that Borrower pay such reinstatement sums and expenses in one or more of the following
forms,as selected by Lender:(a)cash;(b)money order;(c)certified check,bank check,treasurer's check or
cashier's check, provided any such check is drawn upon an institution whose deposits are insured by a
federal agency,instrumentality or entity;or(d)Electronic Funds Transfer, Upon reinstatement by Borrower,
this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration had
occurred.However,this right to reinstate shall not apply in the case of acceleration under Section 18.
20. Sale of Note; Change of Loan Servicer;Notice of Grievance. The Note or a partial interest in
the Note (together with this Security Instrument) can be sold one or more times without prior notice to
Borrower. A sale might result in a change in the entity(known as the"Loan Servicer")that collects Periodic
Payments due under the Note and this Security Instrument and performs other mortgage loan servicing
PENNSYLVANIA—Single Family—Fanide Mae/Freddie Mac UNIFORM INSTRUMENT Form 34!39 1/01
GREATIAND•
ITEM 276OL12(0011)-WRS (Page 12 of 16 pages) To Order W:1-800-530-09313 Pax 616-791-1131
48 PG 1 TO 4
obligations under the Note,this Security Instrument, and Applicable Law.There also might be one or more
changes of the Loan Servicer unrelated to a sale of the Note. If there is a change of the Loan Servicer,
Borrower will be given written notice of the change which will state the name and address of the new Loan
Servicer, the address to which payments should be made and any other information RESPA requires in
connection with a notice of transfer of servicing.If the Note is sold and there-after the Loan is serviced by a
Loan Servicer other than the purchaser of the Note,the mortgage loan servicing obligations to Borrower will
remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the
Note purchaser unless otherwise provided by the Note purchaser.
Neither Borrower nor Lender may commence,join, or be joined to any judicial action (as either an
individual litigant or the member of a class)that mists from the other party's actions pursuant to this Security
Instrument or that alleges that the other party has breached any provision of,or any duty owed by reason of,
this Security Instrument,until such Borrower or Lender has notified the other party (with such notice given
in compliance with the requirements of Section 15)of such alleged breach and afforded the other party hereto
a reasonable period after the giving of such'notice to take corrective action. If Applicable Law provides a
time period which must elapse before certain action can be taken, that time period will be deemed to be
reasonable for purposes of this paragraph. The notice of acceleration and opportunity to cure given to
Borrower pursuant to Section 22 and the notice of acceleration given to Borrower pursuant to Section 18
shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20.
21, Hazardous Substances. As used in this Section 21: (a) "Hazardous Substances" are those
substances defined as toxic or hazardous substances, pollutants, or wastes by Environmental Law and the
following substances: gasoline, kerosene,other flammable or toxic petroleum products, toxic pesticides and
herbicides, volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials;
(b)"Environmental Law"means federal laws and laws of the jurisdiction where the Property is located that
relate to health, safety or environmental protection; (c) "Environmental Cleanup" includes any response
action, remedial action, or removal action, as defined in Environmental Law; and (d) an "Environmental
Condition"means a condition that can cause,contribute to,or otherwise trigger an Environmental Cleanup.
Borrower shall not cause or permit the presence, use, disposal, storage, or release of any Hazardous
Substances, or threaten to release any Hazardous Substances,on or in the Property. Borrower shall not do,
nor allow anyone else to do, anything affecting the Property (a) that is in violation of any Environmental
Law, (b) which creates an Environmental Condition, or(c) which,due to the presence,use,or release of a
Hazardous Substance,creates a condition that adversely affects the value of the Property.The preceding two
sentences shall not apply to the presence, use, or storage on the Property of small quantities of Hazardous.
Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of
the Property(including,but not limited to,hazardous substances in consumer products).
Borrower shall promptly give Lender written notice of(a) any investigation, claim, demand, lawsuit
or other action by any governmental or regulatory agency or private party involving the Property and
any Hazardous Substance, or Environmental Law of which Borrower has actual knowledge, (b) any
Environmental Condition, including but not limited to, any spilling, leaking, discharge, release or threat of
release of any Hazardous Substance, and (c) any condition caused by the presence, use or release of a
Hazardous Substance which adversely affects the value of the Property.If Borrower learns, or is notified by
any governmental or regulatory authority,or any private party,that any removal or other remediation of any
Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all necessary
remedial actions in accordance with Environmental Law. Nothing herein shall create any obligation on
Lender for an Environmental Cleanup.
PENNSYLVANIA—Single Family—Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 30391/02
GREATtAND■
ITEM 276OLI 3(DOI 1}—QERS (Page 13 of 16 pages) To Order UI:1-800-M9323 0 Far.616-791.1131
848PG 19,85
NON-UNIFORM COVENANTS.Borrower and Lender further covenant and agree as follows:
22. Acceleration;Remedies.Lender shall give notice to Borrower prior to acceleration following
Borrower's breach of any covenant or agreement in this Security Instrument (but not prior to
acceleration under Section IS unless Applicable Law provides otherwise). Lender shall notify
Borrower of,among other things: (a)the default;(b)the action required to cure the default;(c)when
the default must be cured; and (d) that failure to cure the default as specified may result in
acceleration of the sums secured by this Security Instrument,foreclosure by judicial proceeding and
sale of the Property. Lender shall further inform Borrower of the right to reinstate after acceleration
and the right to assert in the foreclosure proceeding the non-existence of a default or any other defense
of Borrower to acceleration and foreclosure. If the default is not cured as specified, Lender at Its
option may require Immediate payment In fall of all sums secured by this Security Instrument without
further demand and may foreclose this Security Instrument by judicial proceeding.Lender shall be
entitled to collect all expenses incurred in pursuing the remedies provided in this Section 22,.including,
but not limited to,attorneys'fees and costs of title evidence to the extent permitted by Applicable Law.
23. Release.Upon payment of all sutras secured by this Security Instrument,this Security Instrument
and the estate conveyed shall terminate and become void.After such occurrence,Lender shall discharge and
satisfy this Security Instrument.Borrower shall pay any recordation costs.Lender may charge Borrower a fee
for releasing this Security Instrument,but only if the fee is paid to a third party for services rendered and the
charging of the fee is permitted under Applicable Law.
24. Waivers.Borrower, to the extent permitted by Applicable Law, waives and releases any error or
defects in proceedings to enforce this Security Instrument, and hereby waives the benefit of any present or
future laws providing for stay of execution,extension of time,exemption from attachment,levy and sale,and
homestead exemption
25. Reinstatement period. Borrower's time to reinstate provided in Section 19 shall extend to one
hour prior to the commencement of bidding at a sheriff's sale or other We pursuant to this Security
Instrument.
26, Purchase Money Mortgage, If any of the debt secured by this Security Instrument is lent to
Borrower to acquire title to the Property,this Security Instrument shall be a purchase money mortgage.
27. Interest Rate After Judgment.Borrower agrees that the interest rate payable after a judgment is
entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under
the Note.
PENNSYLVANIA--Single Family--Fannie Mae/Freddie Mae UNIFORM INSTRUMENT Form 30391/41
GREATLANQ■
ITEM 276OLl4(0011)—MFRS (Page 14 of 16 pages) To Order Call:1-800-530-9393 a Fax:61&791.1131
� 1 48PG198.6
BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in p g a es
1 through 16 of this Security Instrument and in any Rider executed by Borrower and recorded with it.
�drd� (Seal)
Marle T Hinkel _Borrower (Seal)
-Borrower
(Seal) (Seal)
-Borrower
-Borrower
(Seal) (Sea))
-Borrower
-Borrower
Witn s: \
Witness:
PENNSYLVANIA--Single Family—Fannie Mae/Freddle Mac UNIFORM INSTRUMENT
ITEM 27601.15(0011 Fortis 3039 ID
y—MEFts (Page IS of 16 pages) To Order Call:1.800.530 9383 0 Fix 616-791-1131
1. 848PG1987
w
State of PA
County of
On this the 12th day of December 2003 ,before me,
the undersigned officer,personally appeared Marie T Hinkel ,•
i►
�
,i .
known to me or satisfactorily '
( y proved)to be the person(s)whose name(s) IS •`����'�� e+' r'
subscribed to the within instrument and acknowledged that SHE executed the same for
therein contained.
UJ
IN WITNESS WHEREOF,I hereunto set my hand and official seal. � �00�
4 6IF `a
•�i1fWw r►Nt1�'
i► °;.,
Title of Officer
COMMONWEALTH OF PENNSYLVANIA
My commission expires: LawffiEh Notarial Seal
ie L.Peters,Notary Public
eton TWV.,Ctaftdand County
ission Expires Se pt 9,2007
After Recording Return To: Gateway Funding Diversified Mortgage Member,Pennsylvania Association Of Notaries
Services, L.P.
500 Off Ice Center Drive,Suite 325
Fort Washington, PENNSYLVANIA 19034
PENNSYLVANIA—Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form:30391/01
ITEM 2760L16(0011�MERS (Page 16 of 16 pages) To Order Call:1-800-530-9393 D For 616 791ND/
:B1{ 18 4 8.PG 198:8
a
SCHEDULE C
PROPERTY DESCRIPTION
The land referred to in this Commitment is described as follows:
ALL THAT CERTAIN Unit, Being Unit No. El (the"Unit"),of Meadowridge at Mayapple Village
Condominium(the"Condominium"),located in South Middleton Township,Cumberland County,
Pennsylvania,which Unit is designated in the Declaration of Condominium of Meadowridge at Mayapple
Village Condominium(the "Declaration of Condominium")and Declaration Plats and Plans as recorded
In the Office of the recorder of Deeds of Cumberland County in Miscellaneous Book 518, Page 333 and
in Right of Way Plan Book 11, Page 19,respectively,together with any and all amendments thereto.
TOGETHER with an undivided percentage interest in the Common Elements as more particularly set
forth in the aforesaid Declaration of Condominium and Declaration Plats and Plans,as last amended.
TOGETHER with the right to use the limited Common Elements applicable to the Unit being conveyed
herein,pursuant to the Declaration of Condominium an Declaration Plats and Plans,as amended.
UNDER AND SUBJECT to any and all covenants,conditions, restrictions, rights of way, easements and
agreements of record in the aforesaid Office,the aforesaid Declaration of Condominium,and matters
which a physical inspection and survey of the Unit and Common Elements would disclose.
THE Grantees,for and on behalf of the Grantees and the Grantees'heirs,personal representatives,
successors and assigns, by the acceptance of this Deed,covenants and agrees to pay such charges for
maintenance, repairs, replacements and other expenses in connection with the Common Elements, and
the Limited Common Elements appurtenant to said Unit,as may be assessed against him, her,them,it
or said Unit,from time to time by the Executive Board of the Meadowridge Mayapple Condominium
Association in accordance with the Uniform Condominum Act of Pennsylvania,and further covenants
and agrees that the Unit conveyed by this Deed shall be subject to a lien for all amounts so assessed
except insofar as Section 3407(c)of said Uniform Condominum Act may relieve a subsequent Unit
Owner of liability for prior unpaid assessments. This covenant shall run with and bind the Unit hereby
conveyed and all subsequent owners thereof.
6K 1 .8 4-8*PG 19:8°9
CONDOMINIUM WISER
THIS CONDOMINIUM RIDER is made this 12th day of December 2003 ,
and is incorporated into and shall be deemed to amend and supplement the Mortgage, Deed of Trust, or
Security Deed (the "Security Instrument") of the same date given by the undersigned (the`Borrower") to
secure Borrower's Note to Gateway Funding Diversiiled Mortgage Services, L.P.
(the"Lender")of the same date and covering the Property described in the Security instrument and located at:
16 Wiltshire East
Carlisle, PENNSYLVANIA 17013
[Property Address]
The Property includes a unit in, together with an undivided interest in the common elements of, a
condominium project known as:
Meadowridge At Mayapple
[Name of Condominium Project
(the "Condominium Project"). If the owners association or other entity which acts for the Condominium
Project (the "Owners Association") holds title to property for the benefit or use of its members or
shareholders, the Property also includes Borrower's interest in the Owners Association and the uses,
proceeds and benefits of Borrower's interest.
CONDOMINIUM COVENANTS. In addition to the covenants and agreements made in the Security
Instrument,Borrower and Lender further covenant and agree as follows:
A. Condominium Obligations. Borrower shall perform all of Borrower's obligations under
the Condominium Project's Constituent Documents, The "Constituent Documents" are the:
(i) Declaration or any other document which creates the Condominium Project, (ii) by-laws;
(iii)code of regulations,and(iv)other equivalent documents.Borrower shall promptly pay,when
due,all dues and assessments imposed pursuant to the Constituent Documents.
B. Property Insurance. So long as the Owners Association maintains, with a generally
accepted insurance carrier, a"master"or"blanket"policy on the Condominium Project which is
satisfactory to Lender and which provides insurance coverage in the amounts (including
deductible levels), for the periods, and against loss by fire, hazards included within the term
"extended coverage,"and any other hazards,including,but not limited to,earthquakes and floods,
from which Lender requires insurance, then: (i)Lender waives the provision in Section 3 for the
Periodic Payment to Lender of the yearly premium installments for property insurance on the
Property;and(ii)Borrower's obligation under Section 5 to maintain property insurance coverage
on the Property is deemed satisfied to the extent that the required coverage is provided by the
Owners Association policy.
MULTISTATE CONDOMINIUM RIDER--Single Family--Fannie Mae/Freddie Mac UNIFORM INSTRUMENT
Form 31401101
ITEM 9066L1(0011)--PENNSYLVAMA jPa r 1 n es GREATLAND a
8 .1 3 pages) To Order Call:1, o Fax:616-791.1131
BK11 848PG19' U
A
v
What Lender requires as a condition of this waiver can change during the term of the loan.
Borrower shall give Lender prompt notice of any lapse in required property insurance
coverage provided by the master or blanket policy.
In the event of a distribution of property insurance proceeds in lieu of restoration or repair
following a loss to the Property,whether to the unit or to common elements,any proceeds payable
to Borrower are hereby assigned and shall be paid to Lender for application to the sums secured by
the Security Instrument,whether or not then due,with the excess,if any,paid to Borrower.
C. Public Liability Insurance. Borrower shall take such actions as may be reasonable to
insure that the Owners Association maintains a public liability insurance policy acceptable in
form,amount,and extent of coverage to Lender.
D. Condemnation, The proceeds of any award or claim for damages, direct or
consequential,payable to Borrower in connection with any condemnation or other taking of all or
any part of the Property,whether of the unit or of the common elements,or for any conveyance in
lieu of condemnation, are hereby assigned and shall be paid to Lender. Such proceeds shall be
applied by Lender to the sums secured by the Security Instrument as provided in Section 11.
E. Lender's Prior Consent. Borrower shall not, except after notice to Lender and with
Lender's prior written consent, either partition or subdivide the Property or consent to: (i) the
abandonment or termination of the Condominium Project,except for abandonment or termination
required by law in the case of substantial destruction by fire or other casualty or in the case of a
taking by condemnation or eminent domain; (ii) any amendment to any provision of the
Constituent Documents if the provision is for the express benefit of Lender; (iii) termination of
professional management and assumption of self-management of the Owners Association; or
(iv) any action which would have the effect of rendering the public liability insurance coverage
maintained by the Owners Association unacceptable to Lender.
F. Remedies. If Borrower does not pay condominium dues and assessments when due, then
Lender may pay them. Any amounts disbursed by Lender under this paragraph F shall become
additional debt of Borrower secured by the Security Instrument. Unless Borrower and Lender
agree to other terms of payment,these amounts shall bear interest from the date of disbursement at
the Note rate and shall be payable,with interest, upon notice from Lender to Borrower requesting
payment.
MULTISTATE CONDOMINIUM RIDER--Single Family—Fannie Mae/Freddie Mat UNIFORM INSTRUMENT
Form 31401/01
ITEM 40881„2(6011)--PENNSYLVANIA (Page 2 of 3 pages) To Order Call:I-800.530-93930 Fax 6,sis°'
Bu-
'1.8 4.8 PG 1 91
t , r
A
r
BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in pages
1 through 3 of this Condominium Rider.
"M Ay (Seal)
(Seal)
Marie T Hinkel -Borrower -Borrower
(Seal) (Seal)
-Borrower -Borrower
(s�1) (Seal)
-Borrower -Borrower
I Certify this to be recorded
In Cumberland County PA
-�° Recorder of Deeds
MULTISTATE CONDOMINIUM RIDER--Single Family—Fannie MaelFreddle Mac UNIFORM INSTRUMENT
Form 3140 1/01
ITEM 90860(0011)—PENNSYLVANIA (Page 3 of 3 p ages) To Order Call;1-800-530-9393 0 Fa:616.791-11311
f`% 1552
REV-1513 EX+(0-001,
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SCHEDULE J
COMMONWEALTH OF PENNSYLVANIA BENEFICIARIES
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
MARIE T. HINKEL 0035
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not ListTrustee(s) OF ESTATE
] TAXABLE DISTRIBUTIONS (include outright spousal distributions,and transfers under
Sec.9116(a)(1.2)]
3 1. Clair D. Rice Sibling $16,578.34
t
2. Violet M. Lebo Sibling
$16,578.33
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18,AS APPROPRIATE,ON REV-1500 COVER SHEET
II. NON-TAXABLE DISTRIBUTIONS:
A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE
1.
B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
1.
TOTAL OF PART If- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET $
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