HomeMy WebLinkAbout06-07-13 (3) -� REV-1500E"`°,-,o� 1505610143
OFFICIAL USE ONLY
PA Department ot Revenue pennsylvania co�nrycoae vaa� F�ie N�mcer
Bureau of Individual Taxes �EP^a*^+E�,�FAE���E
PO BOX280601 INHERITANCE TAX RETURN 21, 12 O 10 2 1
Harrisburg,PA 17128-0601 RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death Dale of Birth
09 10 2012 08 10 192 �
DecedenYs Last Nartie Suffix Decedent's First Name MI
NACE PAULINE M
(If Applicable)Enter Surviving Spouse's Information Below
Spouse's Last Name Suffix Spouse's First Name M�
Spouse's Social Security Number
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
� 1. Original Retum ❑ 2. Supplemental Return � 3, Remaintler Retum(date of death
priorto 12-13-82)
❑ 4. Limitetl Estate � qa Fuwre interest Compromise 5. Federal Estate Tax ReNrn Re
(tlata of tlealp after 121&82) � QUifetl
� 6 Decetlent Dietl Tes�a�e � Decetlen�Maintainetl a Living Tmst 0
(nuacnCOpyorwiip � � (nttacnCopymrmsp _... 8. TofalNUmberofSateDepositBOxes
❑ 9. Litigation Proceeds Received � ��. Spousal Poverty CreOi��aa�e or aeam �7.Election ro tax under Sec.9113 A
behveen 12-31-91 antl -1-95) ❑ ( �
(Attach Sch.O)
CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TN(INFORMATION SHOULD BE DIRECTED TO:
Name
Daytime Telephone Number
DEBRA R WALI.ET 717 737 1300
,;� ^�
ni
RE�i1STBR OF Wl�ts US1E'.ONlY
�?a '_' l'T �3
�—' i7 `_
First line of address �-" > t"' - '
i'— �._. _ , rl
24 NORTH 32ND STREET ' - '" =�' ��
- . , c; c:>
... '- -:� -'�y
Second line of address . � � ---
,..:, ::: " _.�.i -,
...
_ r�_ ,_. rrr
City or Pos[O�ce �-��' �� �DATE F(LfiD L� Q
SWte ZIP Code
CAMP HILY. PA 17011
Correspondent'se-mailaddress: wall6tdeb@aol.COm
Under penalties of perjury,I tleclare that I have examinetl this return,including accompanying schetlules and statemenis,and[o the best ot my knowled9e and belief,
it is ime,correct and complete.Declaretion of preparer other than the personal representative is basetl on all information of which preparer has any knowletlge.
SIGNA E OF PERSON S ONSIB FOR FILING RETURN DATE �
<�T,,�_ ,� ,.-, _ _A�� Bonnie L. Rankin i,�4 ru� � �n i 2
ADORESS
v
86 Vasilios Drive, Carlisle, PA 17075
SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE DATE
�„�q[. 1��w- Debra K Wallet ,'J�k,�� (� Zo 13
AODRESS
24 North 32nd Street, Camp Hill, PA 17011
Side 1
� 1505610143 1505610143 �
� 1505610243
REV-1500 EX
DecedenPs Social Security Number
oe=ade��'sNam= NACE, PAULINE M
. __ __. _
RECAPITULATION . .. . .. ... ... . . . ... - .
1. Real Estate`Schedule A).......................................................................................... 1. 8 6 , 2 0 2 . 9 4
2 Stocks and E3onds(SChedule B)_..........................................._.._........................._. 2. 6 , 9 2 3 . 5 2
3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C).......... 3.
4. Mortgages 8 Notes Receivable(Schedule D).......................................................... 4.
5� Cash. Bank Deposits&Miscellaneous Personal Property(Schedule E)................ 5. 8 , 4 0 1 . 1 5
6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested............. 6. 7 , 0 61 . 2 4
7. Inter-Vivos Transfers 8 Miscellaneous Non-Probate Property
(Schedule G i � Separate Billing Requested............. 7. 1 2 , 6 5 4 . 7 9
8. Total Gross Assets(total Lines 1-7)....................................................................... 8. 1 2 1 , 2 4 3 . 6 4
. ._._. .__. . . .. . . ._ .
9. Funeral Expenses&Adminisirative Costs(Schedule H).............._.........._............. 9. 2 8 , 3 8 0 . 6 3�� �
10. Debts of Decedent,MoAgage Liabilities,&Liens(Schedule I)................................ 10. 3 4 1 . 0 8
11. Total Deductions(total Lines 9&10)...................................................................... 11. 2 8 , 7 2 1 . 7 1
12. Net Value of Estate(Line 8 minus Line 1 t)............................................................. 12. 9 2 , 5 21 . 9 3
13. Charitable and Governmental Bequests/Sec 9113 Trusts for which
an election ta tax has not been made(Schedule J)..................................._.._........ �3,
1a. Net value Subject to Tax(Line�2 minus�ine 13).......................................... ...... �q. 9 2 , 5 21 . 9 3
_ _ _-- ---_ _ __ _
TAX COMPUTATION-SEE INSTRUCTIONS FOR APPLICABLE RATES � � ���
15. Amount of Line 14 taxable
al the spousal tax rate,or
transfers under Sec.9116
(a)(12)X .00 15.
16. Amount of Line�4 taxable
atlinea�rate;< Oa5 92 � 521 . 93 �6. 4 � 163 . 49
17. Amount of Line 14 taxable
at sibling rate X .�2 17.
18. Amount of Line 14 taxable
at collateral rale X .15 18.
19. Tax Due.........__............................................................._......................................... 19. 4 , 16 3 . 4 9
20. FILL IN THE l7VAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. ❑
Side 2
L 1505610243 1505610243 J
REV-1500 EX Page 9 File Number 2� - 12 - 01021
DecedenYs Complete Address:
NAM
Nace, Pauline M
STREETADDRESS ._... _ --_.. . . . __ . _. ... _ _. . _ . . _ __.. . ...
34 LancasterAvenue
_ _ _ _
cirv _____ __ _
-- . ... .--�' STATE I ZIP-.
Enola PA 17025
Tax Payments and Credits:
t 7ax Due(Page 2, Line 19) (�) 4,163.49
2. Credits/Payments � �
A. PriorPaymentls 3,500.00
B. Discount 184.21
Tota�Credits(n +g� (z) 3,684.21
3. Inlerest
(3) �.��
4. If Line 2 is greater than Line 1 +Line 3,enter the difference. This is the OVERPAYMENT. (q�
Check box on Page 2 Line 20 to request a refund � �
5. If Line 1 +Line 3 ds greater than Line 2,enter the difference. This is lhe TAX DUE. (5) 47 9.2$
Make Check Payable to: REGISTER OF WILLS, AGENT.
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes No
a. retain ihe use or income of the property transferred:........................................._..........._...................._.... ' �,z
b. retain the right to designate who shall use the property Uansferred or its income;..._...........................__ , ��'��� x
c. retain a reversionary interest:or.._................................................................._......................._................_ .., ..� .X:
d. receive the promise for life of either payments,benefds or care?........_.........................._...................__. I� ���,. x�
2. If death occurred aker December 12, 1982, did decedent transfer property within one year of death without �� �
receiving adequate consideretion?.........................................._..............._....................._................................... I X_ '�, 1
3. Did decedent own an"in trust for" or payable upon death bank account or security at his or her death?..._.... '��.,. I x I
4. Did decedent own an Individual Retirement Account,annuity,or other non-probate property which
contains a beneficiary designation?....................................__..............................................._..._......................_ �x� �.� �.
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
For dates of death on or after July 1, 1994 and before Jan. 1, 1995,the tax rate imposed on the net value of transfers to or for the use of the surviving
spouse is 3 percent[72 P.S.§91 j6(a)(1.1)(i)].
For dales of death on or after January 1, 1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent
[72 P.S.§9116(a)(L1)(ii)]. The statule does not exempt a transfer to a surviving spouse from tax,and the statutory requirements tor 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 aiter July 1,2000:
•The tax rate imposetl on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent,an
adoptive parent,or a stepparent of the child is 0 percent[72 P.S.§9116(a)(9 2)].
•The tax rate imposed on the net value ot transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent,except as noted in
72 P.S.§9116 12)[72 P.S.§9116(a)(1)].
•The tax rate imposed on the net value of transfers to or for the use ot the decedenYS siblings is 12 percent[72 P.S.69116(a)(1.311. A
sibling is defined under Section 9102,as an individual who has at least one parent in common with the decedent,wfiether by blood or adoption.
, SCHEDULE A
�o�,„,o„wEq�r„oF,E„HS,���„q REAL ESTATE
INHERITPNCE TA%FERIqN .
RESIDENTpECEOENT '�,
_ _ . _ . .. ._ _.__._. ._.. _ . _ _ I._...
._ _. ._ _ _....
-_ ..._ ._.__.. _.. _ . _ . . . . ._. .. . �
FILE NUMBER
ESTATE OF Nace, Pauline M ,21 - 12 - 01021
_ _-_ _ _— _ -- i _ __ _ _
All real property owned solely or as a tenant in cammon 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 wi�fing seller, neithei being compeiled to buy or sell, both having
reasonable knowledge of the relevant facts. Real property which is jointly-owned with right of survrvorship must be disclosed on
schedule F.
Attach a copy of the settlement sheet if the property has been sold.
Include a copy of the deed showing decedent's interest if owned as tenanf in common.
. . . . . .. . ____.
.. _ .._ . _. _ .
ITEM DESCRIPTION � � VALUE AT DATE OF
NUMBER DEATH
._ . . . . _.__ . .
. __—_. _._.. __... _.._ _._ . ..__ . _ .
1 34 Lancaster Avenue, Enola, PA 17025 (proceeds from actual sale -see attached HUD-1) 86,202.94
� � � � � �� TOTAL(Also enter on Line 1, Recapitulation) � � � 86,202.94
_
_
SCHEDpULE B �
COMMONWEPLTHOFPENNSVIVANIN � STOCKS OI BONDS I
INHEqITqNCE TA%FEfURN
FESIDENT�ECE�ENT
� .. . . _. ... _____.. ._. . .. . �.
.. . . . .. ._.. _ . . . . _ _ I�_._.
ESTATE OF � � � Fl�E NUMBER �
Nace, Pauline M 21 - 12 -01021
All property jointly-owned with right of survivorehip must be disclosed on Schedule F.
� DESCRIPTION � � � �'�. VALUE AT DATE OF
iTEM . .. _ . . ... __.
NUMBER � UNIT VALUE
. . ... .__ . .___ DEATH
1 126 shares of Verizon Communications Inc. 4524 5,700.24
2 31 shares of Metlife 34.98 1,084.38
3 ! 30 shares Frontier Communications ' 4.63 ', 138.90
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� � � TOTAL(Also enter on line 2, Recapitulation) 6,923.52
_
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
°°^^^^°�w��T�°FPE��sr�°^��^ PERSONAL PROPERTY
INHERITPNCE TM RETURN
RESIOENTDECEOEPIT
. . . . ..._ ___ . . ..__..
. . .. . ____ _.__ . . . ... _�_.�_ .. . ��_. _
FILE NUMBER
ESTATE OF Nace, Pauline M 21 - 12 -01021
Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the right of
survivorship must be disclosed on schedule F.
ITEM ���� � ��� � � � � � VALUE AT DATE OF
NUMBER DESCRIPTION
DEATH
. . . . .._ ____ .._ ..
_. .___ . .....
1 Suburban C7il refund g7,g2
2 AAA refund 24.50
3 Penn National Insurance (refund from storm damage) 3,642.89
4 Patriot News refund 6.00
5 Comcast refund 26.05
6 Frontier Communications dividend 3.00
7 MetLife auto insurance refund 321.00
8 Verizon retirement payment 248.16
9 Shipley Energy refund 1,743.93
10 Penn National homeowner's insurance refund 71.00
1 i 4 lots at Woodlawn Cemetery 1,000.00
12 Household items, including cherry bedroom furniture, maple bedroom furniture, metal bedroom 1,100.00
set, grandfather clock, lawn & snow equipment(some special bequests not found; all
furnishings 25 years old or older. Refrigerator sold with real estate)
13 Cash in possession of Decedent 127.00
�� TOTAL(Also enter on Line 5, Recapitulation) 8,401.15
I SCHEDULE F
commoNwEn�rHOFPeNnsv�vnNin JOINTLY-OWNED PROPERTY
INHERITANCE TqX RFTURN �.
RESIDENT DECEDENT
ESTATE OF .. . ._ ._.. � --�. ._ ... _ _ . . .. .. .. . ___ .. FILE NUMBER . . . :.:.._ .
Nace, Pauline M
21 - 12 -01021
. __ __ _ _
If an asset was made joint within one year of the decedenYs date of death, it must be reported on schedule G.
SURVIVING JUINT TENANT(S)NAME ADDRESS � � �� RE�ATIONSHIP TO DECEDENT
. . .. . . . __._..
- - ---� . .. _
Bonnie L. ftankin S6 Vasilios Drive Daughter
A Carlisle, PA 17015
__ _ _._
_ __ . __ __.
JOINTLY OWNED PROPERTY:
. . . . .. . .... .____..... E
TE ANT ���� OINT estate. �fi 9CRIPTIO��.FPRO�ERTY Y -���� f �� -�� �-� - � %OF '� ��on.eoFOEnrn
ITEM Include name o nancial ins i u ion an bank account numbe DATE OF DEATH ^
NUMBER FOR JOINT'� MADE or similar identi m numbec Attach deed for ointl -held real VALUE OF ASSET �� DECD'S VAWE OF
INTEREST DECEDENT'S WTEREST
.. I __--__. ._---.. ..___ .
1 A I 04/OS/2005 Metro Bank '�szae 50% ' 383.78
Checking Account#536934094 I
2 A 11/16/2001 � Belco Community Credit Union �3,s54.s� 5pqo I 6,677.46
I Savings Account#766651
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� TOTAL(Also enter on line 6,�Recapitulation) � 7,061.24
COMMONWEALTHOFPENNSVLVANIA SCHEDULE G I��
INHERITANCETAxRETURN INTER-VIVOS TRANSFERS & '
RES'°E"'°E°E°E"T MISC. NON-PROBATE PROPERTY
_ =-. __ _ _ i
__ _ _ _ _ _
ESTATE OF Nace, Pauline M I'FILE NUMBER �
21 - 12 -01021
This schedule must be completed and ffied if the answer to any of questions 1 through 4 on page 2 is yes.
_ _ _
ITEM indutlet�enameofthetenlslereeFPe�reatiosbiproaecetlent AWEOFASSET II DECD$ I,�IFAPPLICABNE �
NUMBER �'�, �� � TAXABLEVALUE
. ana the tlate M Vansfer. AVecM1 a w oft�e tleetl for�eal esfala � INTERES" �
1 BelcolRA _ . �s,s5a�s 100% 3.000.00 . 12,654J9
2 2003 Chevy Malibu gifted to Bonnie Rankin within 1 I 3,000.0o I 100% 3,000.00 0.00
year of death
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TOTAL(Also enter on line 7, Recapitulation) 12,654.79
' S(�fDULE H
COMMONWEFLTM OF PENNSVLVlWIN �� ��� '
INHERITANGET0.YRtTURN �� ��y���p� /y�
RESIDENT D W EDENT
/'YJI�w�71 fY\�liW 1 J
. . ..._ I______ . . .._. . . �
� � � � FILE NUMBER � � � � �
ESTATE OF Nace, Pauline M 21 - 12 - 01021
_ __ _ _. __ _
_ _ ._
Debts of decedent must be reported on Schedule I.
ITEM . .__.... ._---_.. ..._ . .. . .. . . . . . . _. . . ._..
NUMBER '', FUNERAL EXPENSES: DESCRIPTION ', AMOUNT
. _ _. .. _.__. . _--- .. � .. . _. ..
A. 1 Neill Funeral Home (see attached) ' 12,965.00
3501 Derry Street, Harrisburg, PA 17111
2 Woodlawn Memorial Gardens 3,669.08
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B. ADMINISTRATIVE COSTS: �'��.
1. Personal Representative's Commissions '�
Name of Personal Representative(s) II
Bonnie L. Rankin 3,500.00
Street Address 86 Vasilios Drive
ciry Carl�sle state PA zip 17015 '
Year(s) Commission paid
2. Anorney's Fees Debra K. Wallet, Esq. 3,500.00
3. Family Exemption: (If decedent's address is not the same as claimanfs,attach explanation)
ClaimaM
Street Address �'
Ciry State Zip �
��, Relationship of Claimant to Decedent ���,
4. ' Probate Fees 355.50
5. AccountanPs Fees �'I
6. ' Tax Return Preparer's Fees �aCkson HeWitt I� 160.00
7, Other Administrative Costs
1 Postage, photocopies, mileage, etc. 40.00
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� � � �� TOTAL(Also enter on line 9, Recapitulation) �� ��28,380.63
�I Sdiedire H
COMMONWEAITH OF PENNSVLVANIA ���
INHERITANCETAXFETURN �C�S '� '.
FESIDENT DECEDENT '
_.. . . _ _. . _._. _._. _ .... _. . __.. . .___
.. .. . . _. . . _... .. . i ___. . .. . . ._.
_ . �____. . _ ..
ESTATE OF NaCe, Pauline M I FILE NUMBER
. _ ___ �
2'tl - 12 -01021
_ ,_ _ _
2 Shipley Energy ' 1,440.21
3 Lowes (outside lights and smoke detectors to prepare home for sale) 158.81
4 ' K-Mart- locks for entry doors of home 3178
5 Charles Nace - reimbursement for paint, brushes, rollers 127.00
6 Dri-Masters (carpet cleaning) II 84.75
7 East Pennsboro Township (trash and sewer) I 243.00
B PPL Electric 277.50
9 Belco bank fees 4.00
10 East Pennsboro Township-bulk trash removal II 60.00
11 R.E. Pomeroy (roof and vent repairs) ' 625.00
12 Jonathan Zeppa (electrical work) 1,135.00
13 Check printing fee 4.00
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Page 2 of Schedule H
SCHEDULEI '
� DEBTS OF DECEDENT, MORTGAGE
COMMONWEALTI OF PENNSYLVANIH LIA BI LITI ES
INHEFITANCETq%qETURN �. p & LIENS
FFSIDENT OECEDFTIT I
. . . .._. . ._ .. ...__ .:. . . . . ._. _._._ ..
FSTATE OF Nace, Pauline M � � Fi�E NuMSeR� � � ��� ���
2'1 - 12 - 01021
Report debts incurred by the decedent prior to death that remained unpaid at the date of death, induding unreimbursed medical expenses.
_ _
__
ITEM . _ .. . . . . _.... _ . .. _. . . . . . .
NUMBER DESCRIPTION AMOUNT
. ..... ... . _. .. . . . ___.._.
_. . . _. . . . . .. _.. _... . .__.
1 PPL Electric: 236.50
2 Verizon 7.06
3 West Shore Emergency Medical Service 80.02
4 Alpha Diagnostics 5.36
5 Charles Inners, M.D. 12.14
_
TOTAL(Also enter on Line 10, Recapitulation) � �� 347.08
- -__
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REV461�E%��H-08)
SCHEDULEJ I
f,OMMONWEALTHOFPENNSVWANIA � BENEFICIARIES
INHERITANCETAXNETURN '�
RESIDENT DECEDENT .I.
. ... _...._ ._ __.
. . .__.- . .. . . . . -. . ._..... ._._ . .._.
fSTATE OF I FILE NUMBER
Nace, Pauline M
21 - 12 -01021
_ _ _ ___ __ __
' RELATIONSHIP TO �'�,, SHARE OF ESTATE rAMOUNT OF ESTATE
NUMBER '�. NAME AND ADDRESS OF PERSON(S) , DECEDENT ��. (WOrds) �, ($$$)
'., RECEIVING.PROPERTY '�. ooNwLiatimsme�q '�.
�� ���.TAXABLE DISTRIBUTIONS[include ouUight spousal��� �'i � � � � � ������� � � �� �� � . .
��.. distributions and transfers I�
� under Sec.�116(a)(12)] �
1 ' Bonnie L. Rankin li Daughter Treadmill, excercise
86 Vasilios Drive bike, 4 cemetery
Carlisle, PF� 17015 I lots, grandfather&
', ' cukoo clocks, set of
', � table, gas stove, 1/5
j of residuary Estate ,
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2 Charles E. Nace, Jr. Son Stereo system &
I 901 S. Spring Garden St., Lot 4 albums, antique
', Carlisle, PA 17015 , metal bedroom set,
' � 1/5 of residuary
I Estate I
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iEnter dollar amounts for distributions shown above on lines 15 through 18 on Rev 1500 cover sheet,as appropriate.
II INON-TAXABLE DISTRIBUTIONS:
�'�,A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN
I
�I B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS �
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TOTAL OF PART II-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET O.00
REV�1513 EXi�9-00)
SCHEDULEJ♦
COMMONWEALTHOFPENNSVLVANIA BENEFICIARIES COI�III�UP.d
INHERITANCE TAX NETURN I
RESIDENI DECEDENT
IESTATE OF ... .. .... ... .. ....- FILE NUMBER:.� � .�. ..��... ..
Nace, Pauline M
21 - 12 - 01021
�� � � RELATIONSHIP TO � SFNARE OF ESTATE �AMOUNT OF ESTATE
NUMBEfi NAME AND ADDRESS OF PERSON(S) �� DECEDENT (WOrtls) ($$$)
RECEIVINGPROPERTY �� oor�otusirruateep�
. . . _ ._.__ .. . . . . _. . _ .._.. . . _ . .�_. .
i� TAXABLE DISTRIBUTIONS[include outright s ousal �
distributions and Pransfers ���
under Sec.J116(a)(�2)] '�.
3 Charlene 8rownawell Daughter Cherry bedroom
10 Chucks Court suite, 1l5 of
Brevard, N� 28712 residuary Estate
4 Ronald S. Nace Son Maple bedroom
c/o Diane Baker suite, 1/5 of
611 Lincoln Way East, Apt. #1 residuary Estate
Chambersburg, PA 17201
5 ' Robert E. Nace Son Lawn equipment,
! 34 Lancaster Avenue I snow blower, tools,
', Enola, PA 17025 i 1/5 of residuary
' ' Estate
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Page 2 of Schedule J
�e, � � A �� L 1'�.., � � AYI �� � � � 4 � rY'L �4+, A`11 �
� �
ll" � t_O L 4 A�l � AY'C., A�7J � �'d 1f��
I, PAULINE M. NACE, of Eno1a, Cumberland County, Pennsylvania, being of sound
and disposing mind, memory, ar_d understanding, do hereby make, publish, and declare this ko
be my Last Will and Testament and hereby revoke all other Wills and Codicils that I have
made, including the Will dated August 13, 1991.
FIF:ST: It is my wish, and I direct, that after my death, my body be buried in the
previously purchased lot in Woodlawn Memorial Cemetery, Harrisburg, Pennsylvania.
SECOND: I give and bequeath to the individuals whose names are set forth in the
,� Schedule at�ached to this, my Last Will and Testament, flie respective le,gacies described on the
r�
� said Schedule. I have signed this Schedule in the margin for purposes of identification.
�� Should any of these individuals fail to survive me by thirty (30) days or should said person for
�\.
any reason be unable, or otherwise refuse, to accept the gift, then that gift shall become a part
a
,.
��� of my residuary estate.
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` TH1RD: With respect to the real estate which I own at 34 Lancaster Avenue,
�� --
_ Enola, Cumberland Counry, Pennsyivania, I direct that eacli of my children, in order from
oldest to youngest child, be given tk�e option to buy this real estate for the fair market value, as
evidenced by an independent appraisaL 'I`his process shall be done as soon as practicable afrer
my death and sl�ould be concluded within sixty (60) days of the date of my death. If no child
gives notice of his intention to purchase the property within sixty (60) days of the date of my
_ _ _
death or if, for any reason, the deed has not been delivered Co that child upon payment of Che
sum described here within one-hundred-eighty (180) days of my death, then the property may
be sotd at public or private sale as my ExecuCrix sees fit. The proceeds from the sale of[he
home, wh�ether or not to one of my children, shall be distributed as set £orth in Paragraph
FOURTH below.
FO�URTH: I give, devise, and bequeath all the rest, residue, snd remainder of my
Estate, of whatever nature and wherever situate, in equal shares, to those of my five children
��vi�o survive me by thirty (30} days. I ilirect that any of my children in need of tangible items
be allowed' to take these items as parC of his/her share of flie Estate. It is my wish to provide
l�ere for my chi]dren, not for my grandchildren. Should any of my children fail to survive me
`i by thirty (30) days, tlien this child's share is to be divided among my surviving children.
C
�-
�^-� FIFTH: All interests of any beneficiary in the income or principal of this Estate,
�. --
�'' while undistributed and in the possession of my Executrix, even though vested and
�,
distributable, shall not be subject to attachment, execution or sequestration for any debt,
�,� contract, obligation or liability of any beneficiary and, furthermore, shall not be subject to
:i
,1 pledge, assignment, conveyance, or anticipation.
,, .
�`'�. SIXTH: All inheritance, estate, and succession taxes (including interest and any
penalties thereon) payable by reason of my death shall be paid out oi and be charged generally
against the principal of my residuary esCate, without apportionment or right of reimbursement
from any person. In the event that a substantial portion, as determined in the sole and absolute
judgment and discretion of my Executrix, of the non-probate assets such as an annuity or
mutual funds are directed to be paid to a beneficiary or beneficiaries, so that the ta�es referred
to herein would be paid out of the probate residue passing to the beneficiary or beneficiaries of
_ _ _ _
this will (whether or not the same as the beneficiary or beneficiaries under the non-probate
assets), my Executrix, in the ExecuCrix's sole and absolute judgment and discretion, shall have
the right to allocate the full or partial payment of the taxes to the beneficiary or beneficiaries of
the non-probate assets.
SEVENTH: In addition to al] rights and powers conferred by law, I authorize and
empower my Executrix and her successors, in her absolute discretion and witliout necessity of
obtaining court approval:
A. To buy investments a[ a premium or discount.
B. To hold property unregistered or in the name of a nominee.
�
-i� C. To give proxies, both ministerial and discretionary.
��;
^•< D. To compromise claims.
;`�.�
`` E. To join any merger, consolidation, reorganization, voting trust
�;-
plan, or any other concerted action of security holders and eo delegate discretionary duties with
respect thereto.
��;
F. To lend to, and buy from, my estate.
� G. To borrow and to pledge real and personal property as securiYy therefor.
H. To sel] at public or private sale for cash or credit or partly for each, to
exchange, c�r to ]ease for any period of time, any real or personal property, and to give options
for sales, exchanges, or leases.
I. To exercise any option permitted by law which she believes to be
advantageous from the viewpoint of overall tax reductions, including, without limitation of the
foregoing, power and authority to claim administration or other expenses either as income tax
deductions or inheritance or estate tax deductions, without regard to whether they were paid
from principal or income and without requiring adjustments between principal and income for
any resulting effect on income or estate taxes, and a deduction of such expenses for income tax
purposes shall be given effect in computing the respective shares of all �ersons interested in
my estate set fortb herein, even though the effect is to increase the share of one beneficiary or
class of beneficiaries hereunder at the expense of another; and to make �uch adjustmevts, if
any, between beneficiaries with respect thereto as she shall deem appropriate in view of the
nature of the transaction and the amounts involved.
3. 1 o distribute in cash or in kind or partly in each.
;:1 1'he powers granted hereunder shall be exercisable with respect to all real and personal
1
� properry, including, but not lnnited to, income and principal held for minors or disabled
���
� beneficiaries at any time, until the actual distriburion of 111 property. All powers, authoriCies
� and discretion granted here shall be in addition to those granted by law and shall be exercisable
`�
�' without leave of court, Aowever, nothing herein shall be interpreted or construed to
�
\�' encourage, authorize, empower, or permit the Executrix to act or cause anyone Co act in a
��
manner corUrary to or inconsistenC with accepted standards of portfolio d.iversification and risk
managemeiit.
EIGHTH: I nominate, constitute, and appoint my daughter, RONNIE L. KANKIN,
of Car9isle, Pennsylvania, as Executrix of this, my Last �TJil1 and Testament. In the event of
the renunciation, death, resignation, or inability of my daughter to acC for whatever reason in
this capaciry, then I nominate, constitute, and appoint my daughter, CHARLENE M.
BROWNA�UELL, of York, Pennsylvania, as Executrix of this, my Last Will and Testament.
I direct that no representative named aoove shall be required to post security for the
faithful Performance of her duties in any jurisdiction insofar as I am able by law to relieve her
of such obligation. Any of my representatives shall be entitled to reasonable compensation for
the �erformance of the duYies set forth here.
IN WITNESS WHEREOF, I have hereunto set my hand and seal this �G'`'�' day of
q.J�vo�e�r,� , 2006, on this, the fifth of five typewritten pages. I have also signed the
lefr-hand margin of the first four of Chese pages for purposes of identification only.
J,.-u�i� ,,E-; �.� �l���r,.:
PAULINE M. NACE �`�-
SICiNED, PUBLISHED, and DECLARED by Che Testatrix, PAULINE M. NACE, as
her Last Will and Testament, in the presence of us, who at her request, in her presence, and in
the presenr.e of each other, have hereunto subscribed our names as witnesses.
4U4� 'k . t,�n,a�,s- . 'f5U AIIrrI✓�c �..J {�2.•
j� N"Y�ii�..o��c.Sb�� �!{ 1,�J.1 J
�/� .�
�� � �� �23 �st� �� �r/�
' � L// —
�a /� _ �� / 70"L�'
sc�t��ur��, o� s���t�� $�c�u�s�°� Tc�
I.�kS�"��LL �ND �l°ES°4`r�ME�1°[°i 0�'
�z�ULIIV£ 1GI, N#k.GE
a. My daughter, CHARLENE M. BROWNAWELL, of York, Pennsylvania: the
cherry bedroom suite consisting of a dresser, chest of drawers, bed, and two
nightstands.
b. My daughter, BONNIE L. RANKIN, of Carlisle, Pennsylvania: any dog that I own
at the time of my death; the treadmili and exercise bike; four cemeCery lots at
Woodlawn Memorial Cemetery; the grandfather and cuckoo clocks; the set of tables
; consisting of a coffee table, library table and side tables; any au[omobile that I may
� own at the time of my death; the gas stove.
t_1
��� c. My son, ROBERT E. NACE, of West Fairview, Pennsylvania: all lawn equipment;
the snow blower; all tools.
r,�
^: d. My son, CHARLES E. NACE, JR., of Carlisle, Pennsylvania: the stereo system
�� and albums; the antique metal bedroom set,
`y'
- ; e. My son, RONALD S. NACE, of Shippensburg, Pennsylvania: the maple bedroom
\� suite consisting of a double bed, chest of drawers, stool, and vanity; the double
� door refrigerator.
;
�;
ACKNOWLEDGMENT
Commonwealth of Pennsylvania
County oY Cumberland
1, PAULINE M. NACE, Testatrix, whose name is signed to the attached instrument,
having bec;n duly qualified according to law, do hereby ��cknowledge that I signed and executed
the instrument as my Last Will and Testament; that I signed it willingly; and thaC I signed it as
my fi ee ap.d voluntary act for the purposes therein expressed.
;" ,
�` /'c �t�tr,_P '�r l �,1.1 C�1 ,
PAULINE M. NACF � ' ��
Sworn or affirmed to and subscribed before me by PAULINE M. NACE, the Testatrix,
this .��7��� day of �CVQyY1�j� �-- , 2006.
���
� �� �'?'1. �o�,�
Notary Public�
__ ___._.
I . ._. � � s.= �. .�,
� s�ary I ,r,;JOt3}F-�Ulic �
i C'���°�p Hip Boro.Cur.icer�and C�anq�
� �,i.r'on�,n i i .�r�� e - �2;=.'
— _ . _ _ . _ __ _.
AFFIDAVTT
Commonwealth of Pennsylvania
Comity of Cumbexlaud
/
We, Debra K. Wallet and Q/1q� e �-Pe �t�v'/ C , the witnesses whose names
are signed to the actached instrument, being duly qualified accozding to law, depose and say
that �:ve were present and saw the Testatrix, PAULINE M. NACE, sign and execute ttie
instrument as her Last Will and Testament; that she executed it as her free and voluntary act
for the purposes therein expressed; that each of us in the hearing and sight of the Testatrix
signed the Will as witnesses; and that, to the best of our knowiedge, the Testatrix was at that
time 18 years of age or older, of sound mind, and under no constraint or undue influence.
L�YAM� K. ��Y
� �
. L�" � ���� e2vL�—
L/
,,
Sworn or affirmed to and subscribed before me by °�����-� �. (;r��I� o � and
�:n��t;`'�,;L Lim,^��_. , wimesses, this ��fi�4' day of ,'�oJ4t��r-- _ , 2006.
n
��'��a �'�')_ <---'ir.�e��
Notary Publ�
:.�c , � ,u.�;- � _
� � N�,are�saar ��� {
Mary NF.Luoer,�do?ar�P�'�lic 1
� Can�p Hill Enro,Cumbedana Cvunry
My Commi�aslc��zpire,Oct't7.2907 �
.� , � � ,. �, .�.-. ..
` , . .._ OMBAOPmvaPO .�.�,?c�, .. _. . ._ ...
�i A A.Settlement Statement (HUD-1)
_ FEE t �; `
13_ T�.pe o(Loan
6 F le NumDen ].loan Numbe�'. e.Mo�gage Insura ice Case Nu be[
� l P\ J �ftHS 3 ❑Con�.llnins. A06-198]65-STG 21OB209 996-1586928 �03
� � . � �Gonv ins.
C Yre' iYis/orm is fumisheA�o give you e sta�ement of aahel se�tlemen�rosis. Amounis pald�o antl by the settlement egent are shown I�ems ma�kea
'(P o.c)"were peid outside�he dosing�,thay ere shown here for Informafional purposas and are not inclutletl in the totals.
(JlJanrt�.qtlNSeso�BOrrower EName8AE0ressof5eller_ FName&AOOressofLentler:
Donn�tl Zulli,Jc Estate o/Pauline M.Nace,Bonnie L Fiat Herita9e Financial,LIC,
1!5 Fas/Cnlumbus Road Rankin,Executrix 2060 Retl Lron Road
[noi,n,I 4 1]025 J4 LancasterAVenue Philatlelphia,PA 19115
Enola,PA i]015
G Pmaeny�ocation_ H_SeIllementAgenC I Settlement Oa�e�.
?aL.inc:rsterAVenue DEiHLEFS-PYKOSHLAWGROUP,LLC, OY/15/Y017
Enola,FA l]025 Darrell C.Dethle/s,Esquiie
Phone Number.(]i])9]5-9aa6
QimG�'and County 2132 Ma/ket Streel
Camp Hill,PA 170H -- -
Place of Se�tlement.
ColtlwellBankerNSG,40]SMarket �isba5ementDateOP/15/1013
Summary of Borrower's Transaction K.Summary of Seller's Transac[ion
1p0.Gross Amount Due From Borrower 600. Gmss Amount Dae To Seller
1�I.COn�act sale5 p�ice $96,000.00 401.Conh2C�SdIES plice 598,000.00
102.Personel pmpehy 402 Personal property
109.Settl=ment charges to bormwer Qino 1400) g6,6a6.95 +43.
i oa aoa.
---__._._- -- -- - ------
ios_ aos.
------ - - --.__-
Ftliustmenh for items paid by seller in ativance Atljustments for i[ems paitl by seiler in ativance
__-....-. - - - _-_....._._..
106_City/town taxas �0 406_City/bwn ta<es m
70!_Courry taxes io 40].County�axes n
10FL FssesSm¢pt5 02/15/20?3 l0 06/30/2013 $396.81 4�B.A55255�11¢n�5 02/35/2013 to O6/30/2013 5346.d1
t09.5ewer: 02/15/2013 to 03/]ii/2013 5a5.z5 409.Sever: 02/15/2013 to 03/31/2013 5a5.�5
i�U_ 410-
t�=__._"__ - _-' 41L
.-,__...._...____. ____-__- 412 --_
120.Gross Amoun[Due Rom Borrowar SI05,039.01 420.Gross Amount Due To Seiler 598,39256
200.Amounts Paid 6y Or In Behalf Of Borrower 500.Reductions In Amoun[Oue To Seller
201.Depusit or eamest money �2,000.o0 501.Excess deposit(see insVUCtions)
202PIinGpoldroOUnlofnewloan(5J 596,Z29.00 5025¢ttlEmEp[GhdIgE5�o5ellelQine'1400) 59,229.B0
203.Existing loan(s)teken sub�ec�to 503 Ex15IIng loan(s)taken sub)ec�to
?04 iionrnwer Fees eaid by Lender 550.00 504 Payoffo(firstmortgageloan
209. Serond Loan w/CUmberland County 5�,605.00 505.Payoffo(secondmortgageloan
20E. Sellei� Rssistance w/Closing Costs 53�920.00 506.Seller As as stance v/Closin9 Costs 53,920.00
___"_- - -_______"__" -- __--__-_
��% 507.
20A 508.
209.-_._ - - 5a9. ---__.
Atljustments tor items unpaid by seller Adjustmenfs for i[ems unpaitl by seller
210.City/rown taxes �0 510.City/town taxes m
211.COUn�ytaxes 0!/01/20L �o p2/IS/2013 $39.82 511.Countylaxes 01/01/2013 to 02/15/2013 539.82
212ASSessments �0 512ASSessments m
213. -�--�--- 513. - --
c"--___-________"-- 514. - - -
L.`' .--"_-- - -- 515. --"___
2:8__-__- - _ - 516. .__'__
211._--- - - - 51]. _----
21U. 518
219. ��� 519.
22U.To[al Paitl By/FOr Borrower 5105,038.B2 520.Total Retivction Amount�ue Selier R2,1e5.52
301).Cash At Settlemenl RomlTO Borrower 600.Cash At Se[tlement To/From Seller
301.Gmss amount tlue!mm bormwer(I��ne 120) $105,039.01 601.Gmss amount due�o seller(line 420) 598,3s2.56
30L Less amounts paltl bylfo[bormwer Qlne 220)��( 5105,038.B2 602.Le55 reduG1I0n51n amL due Selle�QInB 520) ( 512,SB9.621
3�:5.CasM1 � Rom ❑ To Borrower I So.as 603.Cash �To ❑Fmm Seller SB6,202 94
The public Reporting Burden for Ihis collection of informalion is estimaled a�35 minu�es per response for collec�inq,reviewing,and
reporting ttie da�a.This ageocy may no{mllect ihis information,antl you are not required to complete this form,unless,it displays a
cu«enity valid OMB control number.No ConLdentiality ls assured;this dlsclosure Is manda�ory.This is deslgned lo pmvide the parties to
a RESPA covered trensaction vuith information during the settlement process.
k'revioos etll�loos are obsolete Pege 1 of 3 H11D�1
_. Settlemcn`Charoes ��
'00,?0:�.1 @esl Eslalv:Bmker Fees S5,644.BO
--- Paitl Rom Paid Rom
D'eisi i o Go n _ssion(line 700J as follows: Bormwafs �euer'c
I01 ` .L1.22.iG �p ReMaX Aealty Asyociates� Snc PupOShc Fun45a�
�,
'��-��--"-"'�--" �- Setllemen� Sel�lement
]02 5 ��A?%.4o �p coiavell BaN:er xomesteatl crovp
iC0 Commib5ronp3lQa[Settlemen( 6'-�,6C4.80
'/pq. Coliix�el� Ha�Aet (Biokei' FeeJ ---
( P.O C.by f S�OO.00
Et00.Ifems F'ayable Lr Connection With Loan
601.Ourun��lna[ioncnarge $595.00 (fmmGFE#1)
tt�2.Vour cradil or charqe(pointsJ for Ihe specific In�ares�rete chosen 3 (fmm GFE#2)
FS03.Vour adJusted on9inallon cM1arges (/mm GFE A) 55�5.00
BOJ.Hpnfd1501 lEE�O �Noxtgaqe 5 � $3�5.00 P.O.C.byHoiiovei ) (flOffl GFE N.3)
e _
60G.Cretlll reputl lo mc creai[ t vo.c cy � (fmm GFE N3) 550.00
___".- _--._"
__ __- -_�_.. _
ROf. 'axserviuetc Poc.oy � (fromGFEp3)
(10� FIo0i10EtlIfIC2�lOn LPS Natio al Plootl � ppL.�y � (ffOrtICiFE#3) $25.00
FI013. centlar's ae-*nsyection Fee� 5100.00
U0�3 --
.."___--_..'.__- ._ _._'-
P10_ -__- -
_______-_ _.__--_ -
Hii __
&�2 .--' ___ -
900.Items Requiretl By Lentler To Be Paid In Ativance
fi01.Dally inte�est charges fmm OT/1_5/2013 l0 03/Ol/2013 ep g 9.23 Itlay(f�Om GFE#10) 5129.19
502.Motlgage Insurance Premium for mon[hs. (fwm GFE#3) 31,654.ve
�O FNA
503.Homeowner's insurance foi 1.00 years. 5583.00 (GOm GFE#11)
(O R'Iaveleis Ins zu arice 5583-PO� �
_`�- __'_'_-__. __ _"_ Years. _---
to -
ci0:i.__'__"'"- _-_'_-_ -'- - _�
1000.Reserves Deposi[etl With Lentler
1001.Ini�ial tlaPOSit Por your escmw eccoun� (from GFE#9) $949.54
1002.H0!'1Pnwnelsin5urance ��QO mD0�h5@$48�56 peflllo�th $9��16
1003.Mortgege in5urance _ __ rti0n�h5 @$9��65 per month 5
1004 Pmpe�y laxes .__.. 12.00 mon�hs @$�5.52 per month £306.24 ��
10065chocl Taxee_ - ___ ).00 mon�h5@5�9.15 py�mOnlh §554.05
t006. months @S per month 5
100].Aggreyate Atljustment .§ Zg1
11(10.Title Charges
11I11.Titic�services antl lentler'S 611e insurence (tmm GFE t14) 51,223.50
t 1[12.Seulement or closing!ee $
1103.Ownefs�Itle Insurance (fmm GFE f15) Ss.so
11U4 LeMer's titla insurance $
1105 L2ndef5[ille policy limit$96,224.00 �
�106_Ownefs 60e policy Ilmi�5 9B,000.OU
110�.AqEntS portlon oF tlle�otal�i�lE i05L1ldOCe plemlum Dethlefs-Pykosh Lav Grovp ^y 925.65
1108.Underwriler's portion of�tie tolal title insv�ance premium security Ti[le 5153.35
1109. �(Sa1e Aate - 9 EndJ
���p. Seivrity Ti[le (CFL FeeJ $15.00
����, narreil c. neflilefs (Notary t'eel $20.00 S1o.00
���p Dethlefs-Pykosn Lav GrOUF' CCax Cert Fee ReimbJ $10.00
1113. Debra X. Wa�let, Esquire (Deetl Piep Feef 5100.00
1114. --__--.- _.
111 S _-._'-_---
t200.Government Recortling and Tronsfer Charges
�pp�. cwweriana couoty rzecozae�r Govemmentrecortlingcharges: (tmmGFE#7) 5�43.50
1202 Deed S 62.00 ',MoMgage$104.00 ;Releases$
1203.Transtertazes �be,:iana no„:,.ty xe�oraer (from GFE#e) S9BO.00 59BO.00
12(14.CitylCounty lawstamps: Deetl$9eo.oo ; MoRgage $
12(I5.S�ate tarJS�amps. Deetl 5 9eo.00 ; Mortgage $
�Zp6. Aecordin9 Fee: xssignment of Nfortgage $50.50 �
�ppJ. aecordin9 Fee: Grant Agreemen[ $2Z00
!208. ---- $
1209. $
1J0�.Atltlitional Settlement Gharges
130L Reoulretl services iha[you cen shop for (fmm GFE k6)
1302 - -�"-- S _--"-_
1303_ $
___--- . -..__._.._...-'_.-
1304. - ---
1305. Retlevelopment Au[hozi[y (ftelease Fee) $2p.00
1306. �erican Home Shieltl 5460.00
130]. Envi.[oquest � � $1.4J5.00
1308. Eas[ Pe+uasboro Tovnship (Trash - Pmia[ed AmovntJ $23.25
1309. Eas[ Pe�sbom Tovnship jCes[ificatiw Fee) $10,00
1400.Total SetUement Charges(en[er on lines 109,Section J and 502,Sec[ion K) 56,6G6.45 $N,229.BO
Previous adltions are obsolete Page 2 ot 3 HUD-1
_ _ _ _
wu y r r000a a�m csvmare�ure�ano nuu t Cna�ges � Good Faith Es[ima[e � I�Up 1 �
� - __. ___-. --___ --
C',.,r� h rr,rs.c . _--'....- -. _.._
� __ _ HUD-1 Line Number � �.
�. e
„� _ '_-- _._-___�__ - .' �.
'.--" J._- __..
� i vcc #BCi � ;5"I5.001 55"I5_00
. -._- . -_ ___ .- --'_.
r����' o c e �e. � In�hespeCficintelestratachosen #BC7 . So.00 �i So_o0
-_ _.. - . -.-- �- __....
/io.' I I=lul:��� � 11 s k0C3 � ..
$SJS.00 � SSI5.00
__ .. ._._._ .- _ _ . ___-- �,_- --__
a:� f ��%i � . - $980.00
.. . .. p 1103 S9Ba.00{---
Chai � l h I i iopi �>>i Inr,rease More Than 10% Good Faith EsGmate HU0.1
( J�e nl tl ,i 1 __ ' #1201 -��� - $450.00 --- $293.50
1f ° � fl 909 $5>5.00 53�5.00
c!i t F g ( hy LenderJ p 805 550.00 550.00
�d !� . ... . Fec #BO8 ' S0.(0 5100.00
n=p
. . --__ _ ___- _-
",oci 1 1ee p B09 $25.00 525.00
!Je-! ( h �fqaV e Piemlum n902
�0' $1�654.96 $1�659.98
hi f i , :�. Ti.tle• Insuranc �2101 -
_ 51,44Z50 51�223.50
c ! c s., _ fl 1103 �
- -- ._ _ 55.50 55 50
-"__
� __- _ _"_-
_..___.. _. ._ _ . __. .. .. ___ SO.CO 50.00
--_
# -_' ___-_'_
_._-____..._ _ . __.._ .______ SO.00 SO.00
$0.00
# -_- -'_
_- ___
---_._.---- I $0.00
-_. ___ ... _. ---- Total 54.209.9e 53.6n.4B
_ __ __ Increase be[ween GFE antl HUD-1 Charges § -530.so or a2 6�°o
Cha^ges That Gan Chan�e Good Fai[h Estimate HUD�4
IniHalUe�ositforyou*�sao_iarco�n[ #1001 91,a69.04 9999_59
_'-- "-
�ellyln�ereslcharges _ _ #B01 $9,23 Iday 513B.a1 512g,1B
_-__. ._____. --
-_-
omeowncrs msu2nce_ #903 5540.00 s'SB3.OU
-- _._ .. . _.-.-. -_.-- � _- 50.00 __- 50.00
____
� _ - _'_
- _._ ._ _ . 50.00 50.00
..__ .._._ _._- --
- _ --"_ -
_._.'_- .__.____ __ ... So.oo Sn o0
_. -'__ -
� _ - - -
'_______._-_-__ ..._-__-_-_ _ So.oa So.00
_--_ # So.oa 50.00
_. _. . __.__
____ ____ # Sa.00 go.00
_-_'__ -'
_______..._.__.___. p _- Sa.ao So.00
._____ _ '__.
�oan Te,ms -'---- �'-" ---
-"'_- -___..._____-_'_- -'--_ -_'
You�initi2lloan amount u' $g6,22d.00
VOIIIIpa�(BfRIIS � 30YEdf6
. . _ ._.....__ ___
Your milialin�aros:ra�e le � 3.50%
Your mi�ial monthty amount owed forprinaipal,mterest,entl y 529.�a indudas
and any mortqage insure�ce is
�Principal
�Interes[
�Mortgagelnsurance
Cen your interest rate nse? �No
. ❑Yes,it can rise�o a maximum of %.The tirs�change will be
on antl can change again every aker
.Every change tlate,your iNeres�rate can increa:�.e or
tlecrease by %.Over the life of the loan,your inleres:rate is
guaranteedloneverbe lower than %or higher Nan %.
Eveo il you make paymen�s on Iime,can your loan balance rise? �No. ❑Ves,it can rise to a maximum of$
Even il you make payments on time,can your monthly
�No. ❑Yes,Ihe(vs�increase can be on
amovn[owetl for principal,in(erest,antl motlgage insurance tise? and lhe monMly amount owed can rise to$ .
The maximum i�can ever rise�o is$ .
Does y0ur loan have s prepaymenl penal�y?
�No. Q Yes,your maximum prepaymenl penalty is$ .
Does your loan have e balloon payment� �No
. Q Yes,you have a balloon paymenf of$ due In
y¢d5 Ofl
To!al mon�hty amoimt owed Including escrow accoun�payments �you do no[have a monthly escrow paymen�(or items,such as pmperty
taxes and homeowner's insurance Vou must pay Ihese items tlirectly yourself
�You have an additional monthly escmw paymenl of$ 2so-90
�hai resups in a total inilial monihly amount owetl of$ 682.95 .This includes
principal,interesl,any mohgage insurance antl any items checketl belouv:
�Propedy taxes �Homeownefs insurance
❑Flootl insurence ❑
❑ �School Tues
Note_ If you have any ques[ions abou[the Settlement Charges and Loan Terms Ilsted on Ihls form,please con�act�mm lender.
Previovs etlltions a�e obsolc�e Page 3 0( 3 HUD-1
Certification
(continued from HUD-1)
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[hat I have received a copy of the HUD-1 Settlement Statement.
^ % /
! � %
� � �; � Seller or '�
Bormwer: �.���j �!�.��_Da[e- L�ri lj /j Agent �,��G� Date: a—�S — �3
Donald �u i,JC, Bonnie L. Rarfkin, Executrix
Estate of Pauline M. Nace
125 East Columbus Road 34 Lancaster Av?nue
Enola. PA�7025 Enola, PA 17025
The HUD-1 Settlement which I have prepared is a true and acwrate account of this trs 5action. I have
causetl or will cause the funds to be disbursed in accordance with this statement �
_1�_ �
) _i `
__ __ _ Date. _ Settlement Agent � � --/ � Date: .%�_� �
DarreO-C. Dethlefs, Esqulre � �
WARNING: It is a crime to knowingly make false statements to the United States on this or any other
similar forrn. Penalties upon conviction can include a fine and imprisonment For details
see.Ti[le�8 U.S. Code Section 1001 and Section 1010.
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