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� 1505610205
REV 1500 EX(FI)
DecedenYs Social Security Number
_ _
DecedenYs Name: Katherine L Clarkson
RECAPITULATION
. __.__.........__._........._.....__...._..........._........._......................................._._.....
1. Real Estate(Schedule A). ............................................ 1. 250,000.00
2. Stocks and Bonds(Schedule 6) ....................................... 2. 19,953.38
3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C) ..... 3. '
4. Mortgages and Notes Receivable(Schedule D)........................... 4.
5. Cash,Bank Deposits and Misceilaneous Personal Property(Schedule E)....... 5. i 45,941.03
6. Jointly Owned Property(Schedule F) O Separate Billing Requested ....... 6. ':
7. Inter-�vos Transfers 8�Miscellaneous Non-Probate Property !
_ __ __ __ <
(Schedule G) O Separate Billing Requested........ 7. ' 11,153.36
8. Total Gross Assets(total Lines 1 through 7)............................. 8. 327,047.77
9. Funeral Expenses and Administrative Costs(Schedule H)................... 9. ' 38,913.92 i
:
10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule I)............... 10. ! 135,544.94 ;
11. Total Deductions(total Lines 9 and 10)................................. ��. ' 174,458.86
12. Net Value of Estate(Line 8 minus Line 11) .............................. 12. 152,588.91
......... ................. ........, __ ........_ ......... ,
13. Charitable and Govemmental Bequests/Sec 9113 Trusts for which
an election to tax has not been made(Schedule J) ........................ 13. .
14. Net Value Subject to Tax(Line 12 minus Line 13) ........................ 14. 152,588.91
TAX CALCULATION-SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate,or
transfers under Sec.9116 ,..._.__ _ _.._ _ _ .... __._......
(a)(1.2)X.0_ 15.
.... .. ............__... . ._....... .. . .. ......... ...... ........ ........ .... _..... ..,.,...
16. Amount of Line 14 taxable '
at lineal rate X.0_ ' 16.
....... . .... . ....... _ .. . .......
17. Amount of Line 14 taxable ........... __... .. .._ ......: __
at sibling rate X.12 141,435.55 ' 17. 16,972.27 :
, ....... ......... .. ... ,....... ........_ _.,.. . ........ . ...... ..._..,....... ....,. .,..... ......
18. Amount of Line 14 taxable
at collateral rate X.15 11,153.36 ' �g_ 1,673.00 :
19. TAX DUE......................................................... 19. 18,645.27
__... _.___. _. _....... _ .......:
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT O
Side 2
, 1505610205 1505610205 �
�
REV-1500 EX(FI) Page 3 File Number
Decedent's Complete Address:
DECE ENTS NAME
Katherine L Clarkson
STREET ADDRESS
601 Yorkshire Drive
CITY STATE ZIP
: Carlisle PA 17013
Tax Payments and Credits:
1. Tax Due(Page 2,Line 19) (1) 18,645.27
. 2. Credits/Payments
A.Prior Payments
,
B.Discount
Total Credits(A+B) (2)
3. Interest
�3)
4. If Line 2 is greater than Line 1+Line 3,enter the difference. This is the OVERPAYMENT. ,
Fill in oval on Page 2,Line 20 to request a refund. (4)
5. If Line 1+Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 18,645.27
Make check payable to: REGISTER OF WILLS,AGENT.
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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.......................................................................................... ❑ �
:� b. retain the right to designate who shall use the property transferred or its income............................................ ❑ �
c. retain a reversionary interest.............................................................................................................................. ❑ �
d. receive the promise for life of either payments,benefits or care?...................................................................... ❑ �
2. If death occurred after Dec.12,1982,did decedent transfer property within one year of death
without receiving adequate consideration?.............................................................................................................. ❑ �
3. Did decedent own an"in trust fo�'or payable-upon-death bank account or security at his or her death?.............. ❑ �
4. Did decedent own an individual re6rement account,annuity or other non-probate property,which
contains a beneficiary designation? ........................................................................................................................ � ❑
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
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For dates of death on or after July 1,1994,and before Jan.1,1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse
is 3 percent[72 P.S.§9116(a)(1.1)(i)�.
For dates of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent
[72 P.S.§9116(a)(1.1)(ii)].The statute does not exempt a transfer to a suroiving spouse from tax,and the statutory requirements for disdosure of assets and
filing a tax retum are still applicable even if the surviving spouse is the only beneficiary.
For dates of death on or after July 1,2000:
. The tax rate imposed on the net value of transfers from a deceased child 21 yea�s of age or younger at death to or for the use of a natural parent,an
adoptive parent or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1.2)].
. The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent,except as noted in[72 P.S.§9116(a)(1)].
• The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent[72 P.S.§9116(a)(1.3)].A sibling is defined,
under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption.
REV-1502.EX+(if-OS)
.., f ...... .
� � �� pennsylvania SCHEDULE A
DEPARTMENT OF REVENUE REAL ESTATE
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Katherine L Clarkson 21-12-0189
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 compelied to buy or sell,both having reasonable knowledge of the relevant facts.
Real property that is jointly-owned with right of survivorship must be disclosed on Schedule F.
' Attach a copy of the settlement sheet if the property has been sold.
ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE
' NUMBER OF DEATH
DESCRIPTION
1• '601 Yorkshire Drive,Carlisle,PA (See attached HUD) 250,000.00 :
TOTAL(Also enter on Line 1,Recapitulation.) $ 250,000.00
If more space is needed,insert additional sheets of the same size.
REV-i5o3 DC+(8-i2)
� pennsylvania SCHED�lLE B
DEPARTMENT OF REVENUE
INHERITANCE TAX REfURN STOCKS & BONDS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Katherine L Clarkson 21-12-1089
All property jointly owned with right of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1' 1318.796 shares MFS Total Retum Fund held by M&T Securities,inc 19,953.38 '
, TOTAL(Also enter on Line 2, Recapitulation) $ 19,953.38 '
If more space is needed,insert additional sheets of the same size
REV-15o8 EX+(11-io)
�:�� `pennsyLvania SCHEDVLE E
DEPARTMENT OF REVENUE CASH, BANK DEPOSITS &MISC■
INHERITANCE TAX RETURN PERSONAL PROPERTY
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
Katherine L Clarkson 21/12/1089
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly owned with right of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
'. NUMBER DESCRIPTION OF DEATH
1.; !Morgan Stanley Smith Bamey Brokerage Account 911-893667-008 32,579.99
2. ',M&T Bank Checking Account 9836720095 73.g2
3 Accrued interest on item 2 0.05 '
4' M&T Bank Savings Account 15004210919732 10.70
5 1989 Winnebago Chieftian-good condition 1 600.00
,
g; 1999 Plymouth Grand Voyager-good condition 4,775.00
7 !Misc pers property 3,300.00 :
g' Penn National Auto Insurance Refund 266.00
g 2010 Federal Tax Refund 226.12 :
10' Capital Blue Cross Refund 796.53
11' John C.Oszustowicz Escrow Account refund 120.80
�2: 2012 PA Tax Refund 435.00
13' 'Court ordered restituion payment from Tammy Duncan 80.00
14' 2012 Federal Tax Refund 185.81
15! School Tax Refund -from HUD 1,153.21
16 Penn National Insurance-Homeowners Insurance Refund 338.00
__ _ _
TOTAL(Also enter on Line 5, Recapitulation) $ 45,941.03 '
If more space is needed,use additional sheets of paper of the same size.
REV-1510 EX+(08-09)
� � �pennsylvania SCHEDULE G
DEPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND
INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Katherine L Clarkson 21-12-1089
This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes.
DESCRIPTION OF PROPERTY
' ITEM INCLUDE THE NAME OF THE TRANSFEREE,THE1R RELATIONSHIP TO DECEDENT AND DATE OF DEATH %OF DECD�S EXCLUSION TAXABLE
NUMBER THE DATE OF TRANSFER. ATfAqi A COPY Of THE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE
1• Katherine Clarkson Beneficiary IRA,transferred to William L Clarkson,
nephew on 12/5/12 11,153.36 100 11,153.36'
TOTAL(Also enter on Line 7, Recapitulation) $ ' 11,153.36
If more space is needed,use additional sheets of paper of the same size.
REV-151 f EX+(10-09}
. u��` pennsylvania SCH E DU LE H
DEPARTMENTOFREVENUE FUNERAL EXPENSES AND
INHERITANCE TAX REfURN ADMINISTRATIVE COSTS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Katherine L Clarkson 21-12-1089
Decedent's debts must be reported on Schedule I.
ITEM
NUMBER DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
_ _
1' Hoffman Roth Funeral Home,Carlisle,PA 2,265.76 '
B. ADMINISTRATIVE COSTS:
1. Personal Representative Commissions:
Name(s)of Personal Representative(s)
Street Address
City State ZIP
Year(s)Commission Paid: _
Z. Attorney Fees:
8,130.00
3. Family Exemption:(If decedent's address is not the same as claimant's,attach explanation.)
Claimant
Street Address
City State _ZIP
Relationship of Claimant to Decedent
4. Probate Fees: 1,293.50 '
5. Accountant Fees:
6. Tax Return Preparer Fees:
�• !Cumberland County Law Joumal-Legal advertising 75.00
s The Sentinel-Legal Adve�ising 115.20
s' Borough of Carlisle 296.55
�o Deluxe Check , 24.75
�� Green Horizons-lawn service/snow removal 528.80 '
Total from Schedule H Continued 26,184.36
__ _
TOTAL(Also enter on Line 9,Recapitulation) $' 38,913.92
If more space is needed,use additional sheets of paper of the same size.
Katherine l Clarkson SCHEDULE H Continued 21-12-1089
12 M&T Bank Mortgage payments October 2012-February 2013 2766.04
13 M&T Bank Fee for NSF 38.50
14 PPL Electric Utilities 2138.34 �
15 RT Carey Trucking LLC-dumpster 398.88
16 William H Clarkson- Executor Trave) Expenses 2012.00
17 Commission for house sale paid to ERA 15195.00
18 Martson Deardorff Williams -settlement charges from HUD 185.00
19 Real Estate Transfer Tax 2500.00
20 American Home Shield- Home Warranty 600.00
21 County Tax paid at settlement 350.60
Total of Schedule H Continued 26184.36
REV-1512 EX+(12-08)
'���� 'pennsylvania SCHEDULE I
__ _.
DEPARTMENT OF REVENUE DEBTS OF DECEDENT,
INHERITANCE TAX RETURN MORTGAGE LIABILITIES & LIENS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Katherine L Clarkson 21-12-1089
Report debts incurred by the decedent prior to death that remained unpaid at the date of death,including unreimbursed medical expenses.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1� American Express Credit Card 1,156.00 '
2 Borough of Carlisle-water&sewer 117.78 '
. 3 Borough of Carlisle-Real Estate Taxes 4,327.24 '
,
4 Capital Cardiovascular Associates 155.00 '
5 Carlisle Regional Medical Center 3,054.23
6 'Commercial Acceptance Co-Ambulance Bill 100.00 '
7 'Cumberland Goodwill Fire Rescue EMS 2,611.18 '
8 'Darryl GuisfiNite,DDS-Dentist 220.35
9' 'Family Home Health-hoyer lift rental 330.00
10 'Green Horizons Lawn Care 339.20 '
11 !HCR Manorcare-medical 127.00 '
12 'Heartland Healthcare-prescriptions 1,337.67 '
� 13: JL Hardesty-dental bill 20.00
14 Millennium Pharmacy 2,629.57
15 NCO Financial Systems,Inc-medical bill 1,225.32
16 Sarah A.Todd Memorial Home 9,786.13
17; 'Spirit Physican Services 5.00
18' Spring Road Family Practice 329.74
19 'T-Mobilecellularservice 301.96 '
20' !Vohra Health Services 526.36 ''
` 21 I West Asset Management-psychological services 289.50
22: 'West Shore EMS 186.54 '
23 William Gunning-house cleaning 239.33
' 24 M&T Bank Mortgage Loan#0014114342 103,241.24
25 'DCM Services-M8�T Credit Card 2,888.60 '
TOTAL(Also enter on Line 10,Recapitulation) $ 135,544.94
If more space is needed,insert additional sheets of the same size.
REV-1513 EX+(01-10)
�� � � pennsylvania SCHEDULE �
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN BENEFICIARIES
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:
Katherine L Clarkson 21-12-1089
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERN Do Not List Trustee(s) OF ESTATE
I TAXABLE DISTRIBUlIONS[Include outright spousal distributions and transfers under
Sec.9116(a)(1.2).]
1• William H Clarkson 3341 US Highway 36 East,New Castle IN 47362 Brother 100%of residuary
2 '.!William L Clarkson 527 Second St,,Carlisle,PA 17013 .Nephew 11153.36 '
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET,AS APPROPRIATE.
II NON TAXABLE DISTRIBUTIONS
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN:
1.
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS:
1. _
TOTAL OF PART II—ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $ .
If more space is needed,use additional sheets of paper of the same size.
� �
����N,� OMB Approval No.2502-0265
o"'aT y�Gs
y � �* � nt HUD-1
y�9 � � �,z A. Settlement Stateme ( )
.. e'fly oeJEb�
B. Type of Loan
1.�FHA 2.Q RHS 3. �X COnv.Unins. 6. File Number: 7. Loan Number: 8. Mortgage Insurance Case Number:
4.�VA 5.�Conv.Ins.
12705.7 14967335
C. Note: This form is fumished to give you a statement of actual settlement costs. Amounts paid to and by the settlemenf agent are shown.
Items marked"(p.o.c.)"were paid outside the closing;they are shown here for informational purposes and are not inc/uded in the totals.
D. Name and Address of Borrower: E. Name and Address of Seller: F. Name and Address of Lender:
Philip M.Bricknell and Estate of Katherine Clarkson MB�T Bank
Katie J.Maxwell 601 Yorshire Drive One Fountain Plaza
156 S.West Street Carlisle,PA 17013 Buffalo,NY 14203
Carlisle,PA 17013
G. Property Location: H. Settlement Agent: I. Settlement Date:
601 Yorkshire Drive Martson Deardorff Williams Otto Gilroy&Faller
Carlisle,PA 17013 10 East High Street March 15,2013
Cumberland County,Pennsylvania Carlisle,PA 17013 Ph. (717)243-3341
Place of Settlement:
10 East High Street
Carlisle,PA 17013
J. Summary of Borrowe�'s transaction K. Summary of Seller's transaction
100. Gross Amount Due from Borrower: 400. Gross Amount Due to Seller:
101. Contract sales rice 250,000.00 401. Contract sales rice 250,000.00
102. Personal ro e 402. Personal ro ert '
103. Settlement Char es to Borrower Line 1400 17,046.40 403. '
104. 404. '
105. 405.
Ad'ustments for items aid b Seller in advance Ad'ustments for items aid b Seller in advance
106. Count !Tw .Taxes to 406. Count !Tw .Taxes to �
107. School Taxes 03/16/13 to 07/01/13 1,153.21 407. School Taxes 03/16/13 to 07/01/13 1,153.21
108. Assessments to 408. Assessments to
109. � 409. �
110. ' 410. �
111. 411.
��2 412.
120. Gross Amount Due from Borrower � 268,199.61 420. Gross Amount Due to Seller 251,153.21
200. Amounts Paid b or in Behalf of Borrower 500. Reductions in Amount Due Seller:
201. De osit or eamest mone 2,500.00 501. Excess de osit see instructions '
202. Princi al amount of new loan s 229,590.00 502. Setttement cfiar es to Seller Line 1400 ' 18,544.47
203. Existin loan s taken sub'ect to 503. Existin l0an S taken sub'ect to '
204. Ori ination Char e POC B 250.00 504. Payoff First Mortgage to M8T Bank 103,319.39
205. 505. Pa off Second Mort a e
206. 506.
207 507. De osit disb.as roceeds
208. 508. �'
�
209. 509.
Ad'ustments for items un aid b Seller Ad'ustments for items un aid b Seller
210. Count !Tw .Taxes 01/01/13 to 03/16/13 350.60 510. Count ITw .Taxes 01/01/13 to 03/16/13 � 350.60
211. School Taxes to 511. School Taxes to
212. Assessments to ' 512. Assessments to
213. ! 513. '
214. 514. �
215. 515.
216. 516.
217. 517.
218. 518.
219. 519. '
220. Total Paid b /for Borrower 232,690.60 520. Total Reduction Amount Due Seller ' 122,214.46
300. Cash at Settlement from/to Borrower 600. Cash at settlement tolfrom Seller
301. Gross amount due from Borrower line 120 268,199.61 601. Gross amount due to Seller line 420 251,153.21
302. Less amount paid by/for Borrower(line 220) !( 232,690.60) 602. Less reductions due Seller(line 520) ( 122,214.46
303. Cash X�From � To Borrower � 35,509.01 603. Cash XD To � From Seller ; 128,938.75
�
'Paid outside of closing by borrower(B),seller(S),lender(L►,or third-party(T)
The undersigned hereby acknowledge receipt of a completed copy of this statement&any attachments referred to herein
L. Settlement Char es
700.7flt�1 Reat Estgt��roker Fees $t5,OQ0.00 Paid From Paid From
Division of commission(line 700)as follows: Borrower's Seller's
701.$ 15,000.00 to ERA-NRT LLC Funds at Funds at
702.$ to Settlement Settlement
703.Commission aid at settlement 15 000.00
704.
705. Additional Commission to ERA-NRT LLC 195.00 195.00
8Q0.Items Pa�able in Cor�nection witfi Loan
801.Our ori ination char e $ 985.00 from GFE#1
802.Your credit or char e oints for the s ecific interest rate chosen 573.98 from GFE#2
803.Your ad'usted ori ination char es from GFE#A 1 558.98
804.A raisal fee to Kirchme er 8�Associates Inc. from GFE#3 P.O.C. 425.00 B'
805.Credit Re ort to from GFE#3
806.Tax service to CoreLo ic from GFE#3 75.00
807.Flood certification to CoreLo ic from GFE#3 8.00
808• from GFE#3
809. from GFE#3
810. from GFE#3
81�• (from GFE#3)
900:4tems RequlrQd by Lender to Be'Paid in Advance
901.Dail interest char es from 03/15/13 to 04/01/13 17 $24.374280/da from GFE#10 414.36
902.Mortgage insurance premium for months to M&T Bank (from GFE#3) 4,590.00
903.Homeowner's insurance for 1.0 years to Lititr Mutual Ins.Co (from GFE#11) 814.00
904. (from GFE#11)
905. (from GFE#11)
�ft100.R�se�rves�[feposlted with Lender
1001.Initial deposit for your escrow account (from GFE#9) 2,788.77
1002.Homeowner's insurance 3.000 months @ $ 67.83 per month $ 203.49
1003.Mort a e insurance months $ er month $
1004.Pro ert taxes $
Count /Tw .Taxes months $ er month
School Taxes months @ $ per month
1005.
1006. Township/County Taxes 2.000 months @ $ 144.11 per month $ 288.22
1007. School Taxes 10.000 months @ $ 321.26 per month $ 3,212.60
1008. $
1009. Aggregate Adjustment $ -915.54
_ _ _
1100.Tft1�Charges _ _
;; 1101. Title services and lender's title insurance (from GFE#4) 1,820.00
1102. Settlement or Gosin fee $
1103. Owner's title insurance to Old Republic National Title Insurance Company (from GFE#5) 95.00
1104. Lender's title insurance to Old Republic National Title Insurance Company $ 1,705.00
1105. Lender's title policy limit $ 229,590.00
1106. Owner's title policy limit $ 250,000.00
1107. AgenYs portion of the total title insurance premium to Martson Deardorff Williams Otto Gilroy 8 Fall $ 1,530.00
1108. Underwriter's portion of the total title insurance premium to Old Republic Nationat Title Insurance Compa $ 270.00
1109. Closing Service Letter Old Republic National Title Insurance Comp$ny 75.00
1110. Wire Fee to Martson Deardorff Williams Otto Gilroy&Fa�er 20.00
1111. Overnight Mail Fees to Martson Deardorff Williams Otto Gilroy&Fa�er 40.00
1112. Document Preparation to Martson Deardorff Williams Otto Gilroy&Fa�er 125.00
1113. $
1200.Govemment Recordln and Transfer Chac es
. _ __ _ . , _ _ _ _ _ _. _
1201.Government reco�din char es to Cumberland Count Recorder of Deeds from GFE#7 158.00
1202.Deed $ 62.00 Mort a e $ 96.00 Releases $ Other $
1203.Transfer taxes to Cumberland County Recorder of Deeds (from GFE#8) 2,500.00
1204.Cit /Count tax/stam s $ 2,500.00 $
1205.State tax/stam s $ 2,500.00 $ 2,500.00
1206.
1207.
1300:Additionsl Settletttent Chacges
! 1301.Required services that you can shop for (from GFE#6)
1302. 2013 Bo�ough/County Taxes to Carlisle Borough Tax Account $ 1,729.29
1303. Final Water/Sewer Bill to Borough of Carlisle $ 64.47
1304. Home Inspection to Mid Penn Home Inspection $ 300.00
1305. Home Warranty to American Home Shield $ 600.00
/�IAA T�L�IN.�u��_'���Al__»'_' I • � i�� w .. . .��� � .. ... � .��..� .� .� �.. .�
Comparison of Good Fafth Estimate(GFE)and HUD-1 Charges Good Faith Estimate HUD-1
Charges That Cannot Increase HUD-1 Line Number
Our origination charge # 801 985.00 985.00
Your credit or charge(points)for the specific rate chosen # 802 573.98 573.98
Your adjusted origination charges # 803 1,558.98 1,558.98
Transfer taxes #1203 5,000.00 2,500.00
Charges That in Total Cannot Increase More than 10% Good Faith Estimate HUD-1
Government recording charges #1201 218.00 158.00
Appraisat fee # 804 425.00 425.00
Tax service # 806 75.00 75.00
Flood certification # 807 8.00 8.00
Mortgage Insurance Premium # 902 4,590.00 4,590.00
Title services and lender's title insurance #1101 1,686.75 1,820.00
Owner's title insurance to Old Republic National Title Insurance C #1103 303.25 95.00
Total 7,306.00 7,171.00
Increase between GFE and HUD-1 Charges $ -135.00 or -1.85%
Charges That Can Change Good Faith Estimate HUD-1
Initial deposit for your escrow account #1001 7,832.00 2,788.77
Daily interest charges # 901 $ 24.374280/day 414.36 414.36
Homeowne�'s insurance # 903 720.00 814.00
Loan Terms
Your initial loan amount is $229,590.00
Your loan term is 30.00 years
Your Initial interest rate is 3.8750%
Your initial monthly amount owed for principal,interest and $1,079.62 includes
any mortgage insurance is
�X Principal
� Interest
� Mortgage Insurance
; Can your Interest rate rise? QX No � Yes,it can rise to a maximum of °�. The first
change will be on and can change again every_months after
. Every change date,your interest rate can increase or decrease
by %. Over the life of the loan,your interest rate is guaranteed
to never be lower than %or higher than %.
Even if you make payments on time,can your loan balance rise? QX No � Yes,it can rise to a maximum of$
Even if you make payments on time,can your monthly QX No � Yes,the first increase can be on and the monthly
amount owed for principal,interest,and mortgage insurance rise? amount owed can rise to$
The maximum it can ever rise to is$
Does your loan have a prepayment penalty? Q No � Yes,your maximum prepayment penalty is$
Does your loan have a balloon payment? OX No � Yes,you have a balloon payment of$
due in_years on
Total monthly amount owed including escrow account payments ❑ You do not have a monthly escrow payment for items,such as property
taxes and homeowner's insurance. You must pay these items directly
yourself.
nX You have an additional monthly escrow payment of$533.20 that results
: in a total initial monthly amount owed of$1,612.82. This includes
principal,interest,any mortgage insurance and any items checked below:
X� Property taxes OX Homeowner's insurance
� Flood insurance �
❑ ❑
Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your lender.
HUD-1 Attachment
Borrower(s): Philip M. Bricknell and Katie J. Maxwell Seller(s): Estate of Katherine Clarkson
156 S. West Street 601 Yorshire Drive
Carlisle, PA 17013 Carlisle, PA 17013
Lender: M&T Bank
Settlement Agent:Martson Deardorff Williams Otto Gilroy& Faller
(717)243-3341
Place of Settlement: 10 East High Street
Carlisle, PA 17013
Settlement Date: March 15, 2013
Property Location:601 Yorkshire Drive
Carlisle, PA 17013
Cumberland County, Pennsylvania
Seller Loan Payoff Details
Payoff First Mortgage to M&T Bank
Loan Payoff 103,292.00 As of 03/22/13
Total Additional Interest days @ 13.340000 Per Diem
Late Fee 27.39 Included in Total Payoff amount if payoff is received after 03/10/13
Total Loan Payoff 103,319.39
Adjusted Origination Charge Details
Origination Charge
Origination Charge 985.00
to M&T Bank
Total � 985.00
Origination Credit/Charge(points)for the specific interest rate chosen
CrediUCharge 573.98
to M&T Bank
Total $ 573.98
Adjusted Origination Charges $ 1,558.98
Reserves Deposited with Lender
; Homeowner's Insurance 203.49
3.000 at 67.83 per month
Township/County Taxes 2gg.22
. 2.000 at 144.11 per month
School Taxes 3,212.60
10.000 at 321.26 per month
Aggregate Adjustment -915.54
: Total $ 2,788.77
HUD-1 Attachment- Continued
Wire Fee 20.00
to Martson Deardorff Williams Otto Gilroy& Falfer
Lender's title insurance 1,705.00
to Old Republic National Title Insurance Company
Total $ 1,820.00 $ 0.00
Owner's Title Insurance BORROWER SELLER
Owner's Policy Premium 95.00
to Old Republic National Title Insurance Company
Total $ 95.00 $ 0.00
Lender's Title Insurance BORROWER SELLER
*fees also shown above in Title Services and Lender's Title Insurance Details
Lender's Policy Premium 1,555.00
to Old Republic National Title Insurance Company
Lender's Endorsement Charges 150.00
Endorsement Endorsement Charge
Endorsement PA 100 (No Apparent Violation of 50.00
Restrictions)
Endorsement PA 300(Survey Exception) 50.00
Endorsement PA 900(Environmental Protection Lien) 50.00
Total $ 1,705.00 $ 0.00
C�� �
� M&T Securities,Inc.
285 Defaware Avenue,Suite 2000,Buffalo, NY'14202-1885
November 20, 2012
KATHERINE L CLARKSON (DECEASED)
AZC012707
Date of Death: 09/2412012
Description of Security Quantity in Price per share on:
Shares 09/24/2012
MFS TOTAL RETURN FUND CLASS A 1,318.796 High: $15.31
(MSFRX) Low: $15.31
�Close: $15.31
V�Te have received the information presented above from sources, which we believe to be
accurate. However, we do not guarantee their accuracy. The stock price per share on
valuation date is the closing price on that date. The mutual fund price per share is the
low/nav price on that date. Previous business day price is used if D4D falls on a weekend
or holiday.
Please be aware that if the client held an annuity position at the time of death then you
must contact the carrier directly to receive a valuation.
Please contact Client Solutions with any further questions, or if we may be of further
assistance to you at 1-800-?24-7788, Option#1. Thank you.
Sincerely,
_ � � � .
�T� �.
�.�...;' �`',-__._______ ' " '�----__.�__ -
Brandon Miller
Brokerage Operations Specialist
M&T Securities, Inc.
________
� Invesiment and Insurance ProduCts:�Are NOT Deposits•Are NOT FDIC-Insured
� Are NOT Insured By Any Federai Gove•nment Agency•Have NO Bank Guarantee•May Go Down In Value ;
Brokerage services dnd+nsurance products are ottered by M8T Securifies.in� �mer�ber FINRA SIPCi.not by M8T Bank.
ti1&T Securities Inc �s�icensecl as an nsurance ay^ent anc dC?S ci5 dC?^'f�' ^Su�9��- n5u'd^�E�0'C'�5 d��^,�'��df�0�5�f the nsurers that�ssue the pol�c�es.
insurance proaucts may not be a:a��acie:�a:s:ates
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499 Mitchell Road,Millsboro,DE 199b6 Adjustment Services
Phone 888-502-4349
F ax (302)934-2955
' November 20,2012
� wllllatri Clarl{50D
Estate of Katherine Clarkson
104 S.Hanover Street
Carlisle,PA 17013
Re: Estate of Katherine L.Clarkson
Social Security:
Date of Death: September 24,2012
Dear Sir or Madam:
Per your inquuy on November 1 S,2012,please be advised that at the time of death,the above-named decedent
had on deposit with this bank the following: �
1. Type of Account Checking Account
Account Number 9836720095
(�wnership(Names o,f) Katherine L. Clarkson
4pening Date 03/02/2004
Bal ance on Date of Death S?3.82
Accrued I»terest ,� .OS
_ __ _ _ _ _ _ .
Total $73.82
2. Type of Account Savings Account
Account Number 15004210919732
Qwnership(Names o� Katherine L. Clarkson
Upening Date 12/24/2004
Balance on Date of Death $1 Q.70
Accrued Interest $ .00
_ _ __ _ _ _ __.__ _ _____ _. . _ ...__.__ _.__ .
Total $10.70
•�� • - —.....� �
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`"'� Ketle Blue B � �
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Your Blue Boo►c�Value
1999 Plymouth Grand Vo
Style:Minivan yager
� • M c s Miteage:55�00
�
f� _
Private Party Value Vehicle Hightights
- Excellent
$5,124 ►�PG:City 17/Hwy 24
Max Seating:7
Very Good Doors 4
$4,899 Engine V6.3.0 Liter
Drivetrain:FWp
� Transmission:Automatic
Good EPA Class:Minivan
�4.774 Body Style:Van
Country ot Origin:United States Country of Assembly:United States
Fair
$4,249
Your Configured Options
�W�•�I��oPhons,based on rypital equipment for this car.
�Options that ypu added Wh�le�p�fguring this car.
Enylne
Steering
V6,3.0 liter Exterior
Transmission Power Steering
Entertainment and Instrumentation ��ond Sliding ppp�
Automatic Wheels and Tires
Drivetnin AM/FM Stereo
Safety and Security �eel Wheels
FWD
. Comfo�t and Convenieoce Dual Air eags
Seats
Air COnditipning
7-Passenger Seating
Gtossary of Terms
Kelley Blue Book�Trade-in Value-This is the amount you can expect to receive when you trade in
your car to a dealer.This value is determmed based on me style,condition,mileage and options
inditated.
Kdler Blue Bookm p��ate Party Value-This is the sWrting point for negotiation of a used•car sale
between a private buyer and seller.This is an"as is"vatue that does not include any warranties.The final
P�e depends on the car�s actual condition and Ioca1 market factors.
Excellent Condltion:396 of all cars we value meet this criteria.This car looks new and�s in excellent
mechanical co�dition,!t has never had paint or bodywork and has an interior and body free o�wear and
viside de(eCts.The tar is rust-irEe and does not need retpnditbnin9,lts clean engir�compaKment is
free of nuid kaka,It also has a clean tide history,has complete anq verifiaWe service records and will
pass Safety and fmoq"inspection.
..-.•.
http://www.kbb.com/pJymouth/grand-vo��aQer%1999- � _
� pl�mouth grand-��o��ager/minivan/?cat... 10/1/2012
-- .. ."""""�" `-l-iLCr 1 H1�v �eries M-2;R(' Standard Equipment, Prices & Specs Win... Pa e 1
g of 1
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�a'1�
�UiQ�S � The Power c�F V�hicle Infcarmotion
NAD�guide; co�„ �Close Window
1989 Winnebago M-23RC lo���zoi2
CHIEFTAIN M-23RC
NADAguides.com Price
Report
Suggested List Price Low Retail Average Retail
Base Price
$40,562 $1,450 $1,750
TOTAL PRICE 4O
$ ,562 $1,450 $1,750 �
- Standard Equipment Detaiis
RV Type: �
Motorhome ✓
Fuei Type: Gasoline
Self-Contained: Yes �
Slides: N/A �! _/�-�
Floor Plan: Center Kitchen �A'�'�
Year note:
Add$250.00 for 1989 models with John Deere engine.
Value Explanations
Prices shown are retail consumer values and to be considered as selling prices. Trade-in values r
dealers and are generally lower than values shown. a e to be determined by local
Suggested List—The valWe listed reflects the a
furnished by the manufacturer and are assumed opbeXCOrarec trThe�st pr ce'do senot in brand new. The prices listed are
Low Retail Value—A low retail unit may have extensive wear and tear. Bod ude freight charges.
can expect to invest in cosmetic and/or mechanical work. This vehicle should bepn safe au nang o der. Lowbre ail vehi The buyer
are not found on dealer lots. Low retail is not a trade-in value. cles usually
Average Retail Value — An average retail vehicle should be clean and without glaring defects. Tir
good condition. The paint should match and have a good finish. The interior should have wear in re ationd 9�ass should be in
vehicle. Carpet and seat upholstery should be clean, and all power options should work. The milea to the age of the
acceptable range for the model year, ge should be within the
An Average Retail vehicle on a dealer lot may include a limited warranty or guarantee, and possibl a curr n
emission inspection (where applicable). Y e t safety and/or
Note:Vehictes with low mileage that are in exceptionally good condition can be worth a significantl hi
Average Retail price shown. y gher value than the
ADVERTISEMENT
O Copyright 2012 National Appraisal Guides Inc.All Rights Reserved.
http://www.nadaguides.com!r��s%1989'�'inneba�J ' � �� ���
�o 'V(-2�RC �0>>,9?'Standard-Equipment/... 10/1/2012
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. June 18, 2p13
--_
68224-000389-p01
Katherine L Clarkson
Estate Of
104 S Hanover St
Carlisle, PA 17013
Re: Mortgage No. 0014114342
Dear Mortgage Customer(S) ;
I am writing to you with regard to your mor .
tgage account listed above.
Please a11ow this letter
balance as of 9-24-12 wasto serve as confirmation that the
$103,241 .24, principle
If You have additional
our Customer Service Depaetme�tsategasOOng2your mort a e
� 9 g , please ca11
" 4 2224.
{ O We appreciate the opportunity to serve you.
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� � Sincerely,
_ �
Sarena Luther
Customer Support Rep.
Retail Servicing
CS 100
M�' 6ank is attempting tc collect a cect an
wi11 be used for that a a�Y informaticn obtained
bankruptCy disChar e purpose. If you are in bankr�ptcy or received a
9 of this debt , this communication is not an attem
r o c�1 i ec i t he de�;i aga i r�s t
en forcemen t of t he 1 i en a Y°u per svr�a 1 1 y, i;U t ;; nc t �c� �,= a p t
gainst the collateral pro p er ty, � acs�ible
P.O. Box 1288, guffalo,NY 14240, 716 626 7010 S00 724 2224
Mortgoge occount informotfon,just o dick away, vw�rvy,mtb.com