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02-24-14 (3)
REV-1 500 EX (02-11)(FI' 1505610140 OFFICIAL USE ONLY PA Department of Revenue Bureau of Individual Taxes County Code Year File Number PO BOX 280601 INHERITANCE TAX RETURN 2 1 1 3 0 6 2 5 Harrisburg PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 0 5 2 1 2 0 1 3 0 7 2 4 1 9 4 7 Decedent's Last Name Suffix Decedent's First Name MI L A I R D D 0 N N A E I L E E N (If Applicable)Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW ❑X 1. Original Return ❑ 2.Supplemental Return ❑ 3. Remainder Return(Date of Death Prior to 12-13-82) ❑ 4. Limited Estate ❑ 4a. Future Interest Compromise(date of ❑ 5. Federal Estate Tax Return Required death after 12-12-82) ❑ X 6. Decedent Died Testate ❑ 7. Decedent Maintained a Living Trust 1 8.Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust.) ❑ 9. Litigation Proceeds Received ❑ 10. Spousal Poverty Credit(Date of Death ❑ 11. Election to Tax under Sec.9113(A) Between 12-31-91 and 1-1-95) (Attach Schedule 0) CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number D A V I D H S T O N E E S Q U I R E 7 1 7 7 7 4 7 4 3 5 REGISTER OF WILLS USE ONLY First Line of Address T 7 7_1 f`M =t T i L 4 1 4 B R I D G E S T R E E T a?a ` Second Line of Address �'a -; ` City or Post Office State ZIP Code DATE4fLED F3 C i (J I v7 C3 N E W C U M B E R A N D P A 1 7 0 7 0 C�_ Correspondent's e-mail address: D S T O N E a@ S T O N E L A W • N E T 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. ATURE OF PERSON RFSPONSIELE FOR FILING RETURN DATE Z-2o t ADDRES 305 ST EE SUMMERDALE PA 17093 E O P DER ER THAN REPRESENTATIVE DATE Z Z�-20► A RESS 414 BRIDGE TREET NEW CUMBERLAND PA 17070 PLEASE USE ORIGINAL FORM ONLY Side 1 1505610140 1505610140 J 11� 1505610240 REV-1500 EX(FI) Decedent's Social Security Number Decedent's Name: DONNA EILEEN LAIRD RECAPITULATION 1. Real Estate(Schedule A) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. 6 8 3 0 0 . 0 0 2. Stocks and Bonds(Schedule B) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship(Schedule C) . . . . . 3. 4. Mortgages and Notes Receivable(Schedule D) . . . . . . . . . . . . . . . . . . . . . . . . . . 4. 5. Cash, Bank Deposits and Miscellaneous Personal Property(Schedule E). . . . . . . 5. 3 1 3 6 6 . 3 3 6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested . . . . . . . 6. 6 4 2 1 . 3 0 7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property (Schedule G) ❑ Separate Billing Requested . . . . . . . 7. 1 4 2 4 7 9 . 8 5 8. Total Gross Assets(total Lines 1 through 7) . . . . . . . . . . . . . . . . . . . . . . . . . . . 8. 2 4 8 5 6 7 4 8 9. Funeral Expenses and Administrative Costs(Schedule H) . . . . . . . . . . . . . . . . . . 9• 2 5 6 8 4 . 4 5 10. Debts of Decedent, Mortgage Liabilities, and Liens(Schedule 1) . . . . . . . . . . . . . 10. 4 4 9 9 6 . 2 3 11. Total Deductions(total Lines 9 and 10) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11. 7 0 6 8 0 • 6 8 12. Net Value of Estate(Line 8 minus Line 11) . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12. 1 7 7 8 8 6 . 8 0 13. Charitable and Governmental 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. 1 7 7 8 8 6 . 8 0 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 _ 0 . 0 0 15. 0 . 0 0 16. Amount of Line 14 taxable at lineal rate X .0 0 0 0 16. 0 . 0 0 17. Amount of Line 14 taxable at sibling rate X.12 0 . 0 0 17. 0 . 0 0 18. Amount of Line 14 taxable at collateral rate X.15 1 7 7 8 8 6 . 8 0 18. 2 6 6 8 3 . 0 2 19. TAX DUE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19. 2 6 6 8 3 . 0 2 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT ❑ Side 2 1505610240 1505610240 REV-1500 EX(FI) Page 3 File Number Decedent's Complete Address: 21 13 0625 DECEDENT'S NAME DONNA EILEEN LAIRD STREET ADDRESS 305 3RD ST , PO BOX 153 CITY STATE ZIP SUMMERDALE P 17093— Tax Payments and Credits: 1- Tax Due(Page 2,Line 19) (1) 2 6,6 8 3 • 0 2 2. Credits/Payments A.Prior Payments 2 5,0 0 0 • 0 0 B.Discount 1,315 - 79 Total Credits(A+B) (2) 261315 - 79 3. Interest (3) 0 . 00 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) 0 .00 5. If Line 1 +Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 367 - 23 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 the use or income of the property transferred ...................................................................... ❑ X❑ b. retain the right to designate who shall use the property transferred or its income ............................... X c. retain a reversionary interest ..................................................................................................... 1:1 d. receive the promise for life of either payments,benefits or care? ....................................................... ❑ X FRI 2. If death occurred after December 12,1982,did decedent transfer property within one year of death without receiving adequate consideration? ....................................................................................... 1:1 ❑X 3. Did decedent own an"in trust for"or payable-upon-death bank account or security at his or her death? ......... ❑X ❑ 4. Did decedent own an individual retirement account,annuity or other non-probate property,which 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. 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 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 surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1,2000: • The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent,an adoptive parent or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1.2)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent,except as noted in[72 P.S.§9116(a)(1)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent[72 P.S.§9116(a)(1.3)].A sibling is defined, under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption. REV-1502 EX+(12-12) pennsylvania SCHEDULE A DEPARTMENT OF REVENUE REAL ESTATE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: DONNA EILEEN LAIRD 21 13 0625 All real property owned solely or as a tenant in common must be reported at fair market value.Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts. Real property that is jointly-owned with right of survivorship must be disclosed on Schedule F. Attach a copy of the settlement sheet if the property has been sold. ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE NUMBER OF DEATH DESCRIPTION 112 Interest in property located at 305 Third St 681300 . 00 Summerdale, East Pennsboro Twp, Cumberland Co . , PA at assessed value ($136,600 ) times CLR (1 . 0 ) divided by 2 TOTAL(Also enter on Line 1,Recapitulation.) $ 68,300 - 00 If more space is needed,use additional sheets of paper of the same size. REV-1508 EX+(08-12) pennsylvania SCHEDULE E DEPARTMENT OF REVENUE CASH, BANK DEPOSITS & MISC. INHERITANCE TAX RETURN RESIDENT DECEDENT PERSONAL PROPERTY ESTATE OF: FILE NUMBER: DONNA EILEEN LAIRD 21 13 0625 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 t 2003 Jeep Liberty at Kelly Blue Book value 21459 . 00 to Ronald A . McConaughey as mentioned in Item 4 of will 2 2011 Chrysler 200 at Kelly Blue Book value 171388 . 00 to Paige Miller as mentioned in Item 5 of will 3 Allianz-trip cancellation refund 1,070 . 80 4 Donna Laird Tax Service name list sold 2,000 . 00 to Kelly Financial Services Inc 5 Enterprise-refund on registration of class 210 . 00 6 Erie Insurance-car insurance refund 979 . 00 7 PSECU-Checking Acct #5145688631406-S4 430 . 78 Princ $430 . 78, Int $ - 04 8 PSECU-Checking Acct #5145688631406-S4 - Accr Int 0 . 04 9 PSECU-Christmas Acct #5145688631406-S3 102 . 22 Princ $102 . 22, Int $ - 01 10 PSECU-Christmas Acct #5145688631406-S3 - Accr Int 0 . 01 11 PSECU-Savings Acct . #5145688631406-S1 4 ,560 . 47 Princ $4,560 . 47, Int $ - 44 12 PSECU-Savings Acct . #5145688631406-S1 - Accr Int 0 . 44 13 Sams Club-refund on account 5 . 87 14 Shed deposit return check 25 . 00 15 Social security check received 1,247 . 00 16 Stonebridge Casualty Ins-airline ticket refund 876 - 50 TOTAL(Also enter on Line 5,Recapitulation) $ 31,366 - 33 If more space is needed, use additional sheets of paper of the same size. Continuation of REV-1500 Inheritance Tax Return Resident Decedent DONNA EILEEN LAIRD 21 13 0625 Decedent's Name Page 1 File Number Schedule E -Cash, Bank Deposits, & Misc. Personal Property ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 17 Unclaimed property check received 11 . 20 SUBTOTAL SCHEDULE E 11 - 20 GRAND TOTAL SCHEDULE E $ 31,366.33 REV-1509 EX+(01-10) pennsylvania SCHEDULE F DEPARTMENT OF REVENUE JOINTLY-OWNED PROPERTY INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: DONNA EILEEN LAIRD 21 13 0625 If an asset was made jointly owned within one year of the decedent's date of death,it must be reported on Schedule G. SURVIVING JOINT TENANT(S)NAME(S) ADDRESS RELATIONSHIP TO DECEDENT A. PAIGE MILLER 305 THIRD STREET, PO BOX 153 FRIEND SUMMERDALE, PA 17093- 6, GARY SHOEMAKER 305 THIRD STREET, PO BOX 153 GREAT NEPHEW SUMMERDALE, PA 17093 C. JOINTLY-OWNED PROPERTY: LETTER DATE DESCRIPTION OF PROPERTY %OF DATE OF DEATH ITEM FOR JOINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR DATE OF DEATH DECEDENT'S VALUE OF NUMBER TENANT JOINT IDENTIFYING NUMBER, ATTACH DEED FOR JOINTLY-HELD REAL ESTATE. VALUE OF ASSET INTEREST DECEDENT'S INTEREST 1. A. 05/23/0s AmeriChoice FCU-Checking Acct 886 . 46 50 - 443 . 23 # - . 908-0013 joint w/Paige M Miller dtd May 23, 2008 2 A 05/23/x8 AmeriChoice FCU-Savings Acct 562 . 23 50 - 281 . 12 # - • 908-0001 jnt w/Paige M Miller dtd 5-23-08 Princ $558 . 88 Int $3 . 35 3 B 06/30/08PSECU-Chking Acct #5590503381418- 494 . 31 50 - 247 . 16 S4 joint w/Gary A . Shoemaker dtd 6-30-08 Princ $494 . 29, Int $ - 02 4 B 06/30/08 PSECU-Christmas Acct #55905033- 5. 67 50 - 2 . 84 81418-S3 joint w/Gary A . Shoemaker dtd 6-30-08 5 B 06/30/08PSECU-Savings Acct #5590503381418- 4 ,897 . 77 50 - 2 ,448 . 89 S1 joint w/Gary A . Shoemaker dtd 6-30-08 Princ $4 ,897 . 35, Int $ - 42 6 A 05/13/04PSECU-Savngs Acct #7706675169179 5,996 . 12 50 - 2 ,998 . 06 -S1 joint w/Paige M . Miller dtd 5-13-04 Princ $5,995 . 60 Int $ - 52 TOTAL(Also enter on Line 6,Recapitulation) $ 6,421 - 30 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 DONNA EILEEN LAIRD 21 13 0625 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,THEIR RELATIONSHIP TO DECEDENT AND DATE OF DEATH %OF DECD'S EXCLUSION TAXABLE NUMBER THE DATE OF TRANSFER.ATTACH A COPY OF THE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE 1. $50 EE US Savings Bonds in Gary Shoe 226 . 18 100 . 00 226 . 18 maker or Donna Laird & POD to Donna Laird as mentioned on deposit box inv 2 Merrill Lynch Wealth Managmt-IRA 11,265 . 83 100 . 00 11,265 . 83 Acct #872-70442 beneficiaries : Paige Miller and Gary Shoemaker 3 Met-Life Investors USA Ins Co- 109,803 . 49 100 . 00 09,803 . 49 Custodial IRA #3201373998 benef : Paige Miller and Gary Shoemaker 4 Prudential Financial Inc stock-42 2,873 . 85 100 . 00 2,873 . 85 shs TOD Gary A Shoemaker a $68 . 425 per sh ( transferred w/in 1 yr) 5 Susquehanna Bank-Savings Acct 21,310 . 50 100 . 00 ,000 . 00 18,310 . 50 #10007492092 joint w/Paige M Miller and Earlene K Laird dtd 5-9-13 (w/in one yr of death) ITF Paige M Miller and Earlene K Laird Princ $21,309 . 28 , Int $1 . 22 *Please note that the American Standard Life and Accident Ins Co Whole Life policy mentioned in Item 6 of the will was given to the insured, Ronald A McConaughey, prior to the decedent death . Also , the INA Ins policy and Pruden- tial Ins policy mentioned in Item 7 of the will is no longer in existence . TOTAL (Also enter on Line 7,Recapitulation) $ 142, 479 - 85 If more space is needed,use additional sheets of paper of the same size. REV-1511 EX+(10-09) pennsylvania SCHEDULE H DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER DONNA EILEEN LAIRD 21 13 0625 Decedent's debts must be reported on Schedule 1. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. Tri-County Memorial Gardens-stone. 21703 . 71 2 Tri-County Memorial Gardens-stone 1,113 . 29 3 Richardson Funeral Home-funeral expenses 5,358 . 00 4 Enola Emmanuel UM Women-funeral luncheon 115 . 00 5 Pamela ' s Flowers-flowers for funeral 385 . 79 6 Tri-County Memorial Gardens-open and close of grave 2,110 . 00 B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s)of Personal Representative(s) Street Address City State ZIP Year(s)Commission Paid: 2. Attorney Fees: David H Stone, Esquire 12,500 . 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 a. Probate Fees: Cumberland Co Register of Wills 343 . 50 5 Accountant Fees: 6. Tax Return Preparer Fees: 7, Stone LaFaver & Shekletski-Reimb on advertising 275 .16 2 Register of Wills-filing Inh tax ret and Inv 30 . 00 3 Reserve for closing expenses 750 . 00 TOTAL(Also enter on Line 9,Recapitulation) $ 25,684 - 45 If more space is needed,use additional sheets of paper of the same size. REV-1512 EX+(12-12) pennsylvania SCHEDULE I DEPARTMENT OF REVENUE DEBTS OF DECEDENT, INHERITANCE TAX RETURN MORTGAGE LIABILITIES& LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER DONNA EILEEN LAIRD 21 13 0625 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. Pinnacle Health-medical expenses 23 . 16 2 Kohl ' s-credit card payment 204 . 38 3 Sam ' s Club-credit card payoff 257 . 66 4 Bank of America-credit card payoff 6,308 . 98 5 PSECU-2011 Chrysler 200 Loan 15 payoff 10,714 .19 6 PSECU-VISA Loan 09 payoff 4 ,018 . 65 7 PSECU-Real Estate Equity Loan 53 joint w/Paige M 16,217 . 16 Miller $32,434 . 31 divided by 2 8 Renewal By Andersen-loan joint w/Paige M Miller 7,252 . 05 $14 ,504 . 10 divided by 2 TOTAL(Also enter on Line 10,Recapitulation) $ 44,996 - 23 If more space is needed, insert additional sheets of the same size. REV-1513 EX-(01-10) pennsylvania SCHEDULE J DEPARTMENT OF REVENUE BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: DONNA EILEEN LAIRD 21 13 0625 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS [Include outright spousal distributions and transfers under Sec.9116(a)(1.2).] 1. PAIGE MILLER Sch A*, Sch E 2, Sch Collateral 1121467 . 95 305 THIRD STREET, PO BOX 153 F 112,6 SUMMERDALE PA 17093- & 112 Sch G 2,3** 2 RONALD A MCCONAUGHEY Sch E 1 & Collateral 21459 . 00 45 BURNING BUSH CIRCLE 112 residue ETTERS PA 17319- 3 KIMBERLY A DESTITO-FAHNHOLZ Collateral 0 . 00 476 PFISTER ROAD 112 residue JACKSON NJ 08527- 4 GARY SHOEMAKER Sch F 3-5, Sch G 1,4 Collateral 62,959 . 85 PO BOX 153 & 112 Sch G 2,3*** SUMMERDALE, 17093 *Less expenses of $34 ,183 . 40 **Less expenses of $3,293 . 72 ***Less expenses of $3,293 . 73 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. LAST WILL AND TESTAMENT OF DONNA EILEEN LAIRD I, Donna Eileen Laird, a resident of and domiciled in East Pennsboro Township, County of Cumberland, Commonwealth of Pennsylvania, being of sound mind and disposing intent, do hereby make, publish, and declare this to be my Last Will and Testament, hereby revoking all Wills and Codicils at any time heretofore made by me. ITEM 1 I direct that all my just debts, secured and unsecured, including those associated with my final illness and death be paid as soon as practicable. ITEM 2 I direct that all estate, inheritance, succession, death or similar taxes assessed with respect to my estate herein disposed of, or any part thereof, or any bequest or devise contained in this my Last Will and Testament (which term wherever used shall include any Codicil hereto) , or on any insurance upon my life or on any property held jointly by me with another or on any transfer made be me duing my lifetime or on any other property or interest in property included in my estate for tax purposes, be paid out of my residuary estate and shall not be charged to or against any recipient, beneficiary, transferee, or owner of such property or interest in property included in my estate for such tax purposes. Should any real property pass under my Will, it shall pass subject to any mortgage or lien thereon. ITEM 3 1 give, devise, and bequeath my one half ownership, with all insurance thereon and relating thereto, in my residence at 305 Third Street, Summerdale, Pennsylvania, to my friend, Paige Miller, if she survives me. ITEM 4 I give and bequeath the automobile, owned by me at the time of my death with all insurance thereon and relating thereto, to my nephew, Ronald A. McConaughey, if he survives me and is age 21. If Ronald is not age 21, at the time of my death, T give and bequeath the ownership of said automobile to my friend, Paige Miller, in trust for Ronald until he reaches age 21. Should Ronald not reach age 21, the trustee, Paige Miller, shall be given the automobile for whatever purposes, including her own personal purposes, she shall choose. -.1- ITEM 5 I give and bequeath all my tangible personal property of every nature and wheresoever situated, owned by me at the time of my death, other than any article specifically bequeathed the bequest of which has not lapsed, to my friend, Paige Miller, if she survives me. ITEM 6 1 give and bequeath the ownership of my American Standard Life and Accident Insurance Company Whole Life, Policy Number A56510-L1, Ronald A. McConaughey, (insured) , to my friend, Paige Miller, in trust for Ronald A. McConaughey, until he reaches age 21. Should Ronald not reach age 21, the trustee, Paige Miller, shall be given the trust for whatever purposes, including her own personal purposes, she shall choose. ITEM 7 1 give and bequeath the ownership of my INA Insurance Policy and Prudential Insurance Policy Number R1 088 857 to my friend, Paige Miller, in trust for the following of my nieces and nephews who survive me: Ronald McConaughey, Lisa Devincenzi, Cheryl Devincenzi, Alicia Devincenzi, Lori Meyer, Melissa Laird, Michelle Laird, Rebecca Laird, and June Schiner. This trust is to assist those so named in defraying college expenses, when, and as needed, at the trustee's discretion, including, but not limited to, tuition costs, books, dormitory fees, and living expenses. This money is provided so that none of those so name will need to work and attend college at the same time unless they so desire. The individual ability to obtain funds from this trust ceases as each niece or nephew named reaches age 23. When the last one living reaches the age of 23, this trust will cease to exist. When, and if, the funds from these two policies are exhausted, the trustee is not expected to provide additional funds from either her own personal resources or any other part of my estate. Any money remaining in the trust at the time it ceases to exist shall be given to my friend, Paige Miller, for whatever purposes, including her own personal purposes, she shall choose. ITEM 8 I give, devise and bequeath all the rest, residue and remainder of my property of every kind and description (including lapsed legacies and trusts), wherever situate and whether acquired before or after the execution of this Will to my nephew, Ronald A. McConaughey and my niece, Kimberly A. DeStito, per capita. ITEM 9 1 hereby nominate, constitute and appoint as Executrix Of this my Last Will and Testament, my friend, Paige Miller, and direct that she shall serve without bond or surety. By way of illustration, and not of limitation, and, in addition to any inherent, implied or statutory powers granted to executrices generally, my Executrix is specifically authorized and empowered -2- ITEM 9 CONTINUED With respect to any property, real or personal, at any time held under any provision of this my Will, to allot, care for, collect, compromise claims, contract with respect to, any business of mine, convey, continue convert, deal with, dispose of, enter into, exchange, hold, improve, incorporate any business of mine, invest, lease, manage, mortgage, grant and exercise options with respect to, take possession of, pledge, receive, release, repair, sell, sue for, to make distributions in cash or in kind or partly in, each without regard to the income tax basis of such asset, and in general to exercise all of the powers in the management of any estates which any individual could exercise in the management of similar property owned in her own right, upon such terms and conditions as to my Executrix may seem best, and to execute and deliver any and all instruments and to do all acts which my Executrix may deem proper and necessary to carry out the purposes of this my Will, in any way without being limited necessity of f the specific grants of power made, and without a Court Order. ITEM 10 In the event of the simultaneous death of myself and my friend, Paige Miller, I hereby nominate, constitute, and appoint my sister, Ivalou Meyer, as Executrix under the same terms and conditions as Paige Miller was appointed. Further, my sister, Ivalou Meyer, is to assume the responsibility for administering the trusts outlined in Items 6 and 7. Any money remaining Meyer tandetormytnephew, sMcConaughehall capita to Ivalou Kimberly A. DeStito, if they are still living and my niece, ITEM 11 In the event of the death of my friend, Paige Miller, prior to the trusts outlined in Items 6 and 7 ceasing or lapsing, I hereby nominate, constitute, and appoint my sister, Ivalou Meyer, to administer those trusts. Any money remaining when those trusts cease or lapse shall pass per capita to Ivalou Meyer and to my nephew Ronald A. McConaughey, and my niece, Kimberly A. DeStito, if they are still living. IN WITNESS WHEREOF, I have hereunto set my hand this day of � 1989. Donna Eileen Laird -3- Signed, Published, and Declared by the above testatrix as and for her Last will, in the presence of us, who thereupon at her request, in her presence, and in the presence of each other, have hereunto subscribed our names as witnesses. k,401u (Name) Address) (Name) -�=L�L`L-�_ � (� ✓' (Address) COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN We onna rd, L and � � , witness r pectivel the testatrix and the instru ent, being first dulyesworn, doe hereby ddeclare to the undersigned authority that the testatrix signed and executed the instrument as her Last Will and that she signed willingly, and that she executed it as her free and voluntary act for the purposes therein expressed, and that each of the witnesses, in the presence and hearing of the testatrix, signed the Will as witnesses and that to the best of each witness' knowledge and belief the testatrix was at that time eighteen years of age or older, of sound mind, and under no undue constraint or influence. `i.... S Testatrix -LAO I witness ne subscribed, sworn to and acknowledge before me by Donna Eileen Laird, the ,test trix and subscr4ed and sw rn to before me by ^ �� A and this witnesses, s day of 1989. Notary Public -4 NOi RiAI SEAL GLORIA M BARRICK,f10TARY PUBLIC 'C'R16 U' DAUPHIN COUNTY MY CCMWS5!CN_EXPIRES APRIL 16 1331 Member,Pcr;,;yi.;,P;,sacia![m c1 No!are; Jun, 2/. 1U13 11 :3UAM PNC Bank No, $057 P. 1/2 M.T .11lAY June 27,2013 David H Stone Esq, Stone Laf£aver& Shekletski 414 Bridge St P 0 Box E New Cumberland, PA 17070 RE: Donna E Laird SSN- DOD: 05-21-2013 Dear Mr. Stone: In response to your request for Date of Death (DOD)balances for the customer noted above, our records show the following: Safe Deposit Boer The decedent maintained safe deposit box#00228 DONNA,E LAIRD PAIGE M MILLER Located at: Enola Branch 235 N Enola Rd Enola,PA 17025 (717) 732-5388 Please note that this office provides date of death balances for deposit accounts (IRAs,CDs,Checking and Savings). We do not process any financial transactions or provide statements. If you need assistance with any of these items,please call 1-888-PNC-13AND(1-888-762-2265)or stop by your local PNC Bank branch office. Sincerely, National Financial Services Center PNC Bank,N.A. Member FDIC Page 1 of 2 REV-485 EX(05-04) 48500041046 mbi SAFE DEPOSIT BOX INVENTORY PA Department of Revenue PLEASE USE ORIGINAL FORM ONLY Social Security or Death Certificate Number Date of Death County Code Year File Number 05/21/2013 21 13 0625 Decedent's Last Name Suffix First Name MI Laird Donna E ©ADDRESS OF DECEDENT STREET: CITY: STATE: ZIP CODE: 305 Third Street Summerdale PA 17093 NAME AND ADDRESS OF PERSON REQUESTING THE OPENING OF THE SAFE DEPOSIT BOX NAME: David H. Stone ES Q—Ulf@ ___ --—L— — STREET ADDRESS: CITY: — STATE: ZIP CODE 414 Brid a Street New Cumberland PA 17070 NAME,ADDRESS AND RELATIONSHIP(IF ANY)TO DECEDENT OF PERSON(S)PRESENT AT THE BOX OPENING a. NAME: RELATIONSHIP: Pai a Miller ___ executor of estate STREET ADDRESS: CITY: STATE: ZIP CODE: 305 Third Street _— Summerdale _ PA 17_09_3__ b. NAME: RELATIONSHIP: STREET ADDRESS: CITY: STATE: ZIP CODE: c. NAME: RELATIONSHIP: --- ------- STREET ADDRESS: — CITY: STATE: —ZIP CODE: NAME AND ADDRESS OF FINANCIAL INSTITUTION WHERE THE SAFE DEPOSIT BOX IS LOCATED NAME: PNC Bank STREET ADDRESS: CITY: STATE: ZIP CODE: 235 North Enola Road Enola PA 17025 NAME OF PERSON MAKING LAST ENTRY 71S OF LAST ENTRY Paige Miller am DATE OF CONTRACT TO RENT BOX NUMBEEOF OX 1 TITLE UN REQUESTED 01/02/1990 228 Donna i a Miller NAME AND ADDRESS OF PERSON(S)HAVING ACCESS TO BOX a. NAME: b. NAME: Donna E. Laird _ _-- — Paige Miller_______ _ STREET ADDRESS: STREET ADDRESS: 305 Third Street — —_ 305 Third CITY: STATE: ZIP CODE: CITY_ - STATE: ZIP CODE Summerdale PA 17093 Summerdale PA 17093 NAME AND TITLE OF EMPLOYEE TAKING THE INVENTORY Jennifer Carr WAS A WILL IN THE BOX? [:1 YES R] NO If yes, a. Date of will: b. Name and address of personal representative,if named in the will — NAME: STREET ADDRESS: CITY: STATE: ZIP CODE: C. Name and address of attorney,if any - -- - -- —--- -V--- NAME: STREET ADDRESS: CITY: STATE: ZIP CODE: 48500041046 48500041046 J REV-485 EX SAFE DEPOSIT BOX INVENTORY Page _of__._-_____ INSTRUCTIONS (1) Cash:Report total only. (2) Stocks: List in detail every common or preferred certificate,warrant or other rights found in box.Stocks are to be designated by name of company,certificate number,date of certificate,name in which stock is registered,and number of shares and class of stock. (3) Obligations of U.S.Government: Number of items,date of issue,face value,names in which registered and type of ownership, i.e.,jointly held, payable on death,etc. (4) Bonds: Designate by name,amount, serial number,or other designation.(Bearer Bonds) (5) Bank and Savings and Loan Passbooks: State name of depositor,number of book, last date appearing in book,name of bank and branch,and balance. (6) Jewelry,Coins,Stamps,Manuscripts,etc:List and describe as fully as possible. (7) Deeds,Mortgages,Current Insurance Policies or other evidences of indebtedness:List and describe as fully as possible. (8) All other contents. (9) Return completed form to: DEPARTMENT OF REVENUE INHERITANCE TAX DIVISION DEPT.280601 HARRISBURG,PA 17128-0601 ITEM NO. ITEM DESCRIPTION _ _ 1 EE Savings Bond:$50-L578996743EE,dated 9/21/1999,Gary Shoemaker or Donna Laird 2 EE Savings Bond:$50-L548277714EE,dated 6/28/1996,Gary Shoemaker or Donna Laird 3 EE Savings Bond:$50-L522083007EE,dated 3/9/1994,Gary Shoemaker P.O.D.Donna Laird 4 EE Savings Bond:$50-L538637867EE,dated 7/3/1995,Gary Shoemaker or Donna Laird 5 EE Savings Bond:$50-L568626358EE,dated 6/29/1998,Gary Shoemaker P.O.D.Donna Laird I CERTIFY UNDE ALTY PER RY THAT THE ABOVE RECORD IS PERSON RECEIVING COPY OF CORR OMPL TO HE ST OF MY KNOWLEDGE AND BELIEF. SAFE DEPOSIT BOX INVENTORY: SIGNATURE SIGNATURE PRINT NAM PRINT NAME AND CHECK APPROPRIATE BOX BELOW: David H. Stone, Esquire _ _ _ PRINT TITLE DATE CHECK APPROPRIATE BOX: Attorney for Estate []Executor(trix) 0 Administralor(trix) l� It []Estate Representative 1:1 Joint owner of safe deposit box NOTE: Attach additional 8'/="X 11"sheet(s) if necessary or use duplicates of this page of form. The Department is authorized by law,42 U.S.C.§405(c)(2)(C)(i),to require disclosure of Social Security numbers in connection with administering state tax laws.The Department uses the Social Security number to identify the decedent and personal representatives of the estate.The Commonwealth may also use the information in exchange of tax information agreements with Federal and local taxing authorities.The state law prohibits the Commonwealth's personnel from disclosing confidential lax information except for official purposes. . _ 1Nnry Na IMV�p"0t.�an►.11at 1fa-awiY RMM e�•���+—•� � Vi+VCy� P.F.;:ORDEG•Clti;,E OF THE R A OF DEEDS Y CUNUKL NBENLANDCUUNTY PENNSILVANIA '8 MADE TAE 18th day of August : Auc 19 2 zsFN { of our Lord one thousand nine hundred Eighty-one (1981) in the year BETWEEN JUNE L. SUNDAY (formerl June L.Aplo formerly June L. Dupart) 01 women, of East Penns Oro Township, Cumberland County, Pennsylvania Grantor and PAIGE M. MILLER, a single women, and DONNA E. LAIRD, e single women, both of Fairview Township, York County, Pennsylvania, ee point tenants with right of survivor- ship and not as tenants in common, W"NESSETB,that in oonetdes+atton of-----THIRTY-SIX THOUSAND FIVE HUNDRED------ AND NO/100------- ---------------($36,500.00)--------_-__ Dottar a y in hand paid,the receipt whereof is hereby aeknowtedged, the said grantor dose hereby gra«t nd oonvey to the said grantees, their heirs and assigns. ALL THAT CERTAIN lot or parcel of lend, situate in East Pennaboro Township, Cumberland County, Pennsylvania, bounded and described in accordance with a • survey and plan thereof made by Gerrit J. Betz, Registered Surveyor, dated March 21, 1969, as follows: BEGINNING at a point on the westerly line of Third Street, which point is one hundred thirty (130) feet north of the northwesterly corner of Third and Wayne Streets; thence along lands now or late of Charles M. Sernheisel, at ux, south seventy-seven (77) degrees zero (DO) minutes west one hundred sixty- eight (168) feet to a point; thence north thirteen .(13) degrees zeta (00) minutes west sixty-five (65) feet to a point; thence along lands now or late of Ralph R. Wallace, north seventy-seven (77) degrees zero (00) minutes east one hundred sixty-eight (168) feet to a point an the westerly line of Third Street aforesaid; thence along same south thirteen (13) degrees zero (00) minutes east sixty-five (65) feet to a point, the place of BEGINNING. BEING THE eastern one-half of Lot No. 32, Section 08", General Plan of •Sum- merdele", which plan is recorded in Plan Book No. 1, Page 44, Cumberland County Pennsylvania records. HAVING THEREON ERECTED a single two and one-half (2h) story frame dwelling known and numbered as 305 Third Street, Summerdal.a, Pennsylvania. i UNDER AND SUBJECT, nevertheless, to sesemente, restrictions, reservations, conditions and rights of way of record. i I byltheirEDeedSAME datedPREMISES September 26, 1977,Rosner recordedcDecemberR21,1e1977, in the wife, Office- of the Recorder of Deeds in and for Cumberland County, Pennsylvania, in Dead Soak 0, Volume 27, Page 739, granted and conveyed unto June L. Olt, the Grantor herein. i The said June L. Olt thence intermarried with Leroy Dupert and has since been divorced by Order of the Court of Commom Pleas of Dauphin County, dated January 20, 1981, No. 5237S1980. The egid Juno L. Dupert filed an election to resume her maiden name, June L. Sunday. Cumb. Co., Pe.a. 4VO ichool Dist.Cumb.Co., Pa. i T. I% R..1 E.t.l.Tnmf.r T.a swot: 29 tact 423 D.ti�. ....... a.t!�Sa umb.G. .unb.C..Oid.Gel.Ae+ #OL And the said grantor hereby covenants and agree a that she wig warrant generally the property hereby oonveyed. ° COMMONWEALTH OF PENNSYLVANIA= DEPARTMENT OF REVENUE _ REALTY £� TRANSFER ?'�' M VAX wsr J Jr t 3 6 5.0 0 •° V.9.11162 �, IN WITNESS WHEREOF, said gmntor ha a hereunto set her hand and seal the day and year first above written. BfQneD,ScalrD ti110�8elntrereD �'''"" � — _ ®.n DUPER to thcegn(i)te oil/ V / 1L .ELI L• _..�...««. ... am G 'V �- Lyv.te10 L `^I��/ �• E f.. SUNDAY _ •__• State of Pennsylvania County of Dauphin �a• On this,the 18th day of August, ,1g 81,before me, e Notary Public Me undersigned oBicer,personally appeared JUNE L. SUNDAY, an unmarried women known to me(or satisfactorily proven) to be the person whose name is subscribed to the within instrument,and acknowledged that she executed same for the purposes therein contained. IN WITNESS WHEREOF,I hereunto set my hand and ogki l seal L'F;r��' nAUMI S.uvd�GS WTI.nCIA(.Y rc it ., ;;_+.,;;P'�.•,.:,G.1fo^.i:1,•.. NA$y';;;,¢R.y..f;,_!uR CjICiIY c : •;�',':G 7:.•... .'. ;.; WY CONA;ISSION EXPIa:S SUT.21,V-'4 z"%,, —� � "i•;',i'" f " 6t6.�J: Memher,Penv7Ann+a bsochOnnofNalet kJ Si4te Of County of �++ ,3,i 1• �f:. OA this,the day of ) ,1g .before me, the undersigned o.>yleer,personally appeared known to me(or satisfactorily proven)to be the person whose name subscribed to the ' within inetnnment,and acknowledged that executed same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and offladl seal. —Title of 08lcer.�� -L do hereby certify that the precise residence and complete post o8lu address . of the within named grantee is 30 S rll r,e o .1;(rK ly"'y6tUACCj W AjORP ",q f76"Fs Attorney for_7r•"""—O��_...._. Bud 1-29 mu 424 1 ropers Mapper i :p r Ahm�t-&P CyuabrfWC",PA Imagery 2008 Imagery Off b Parcel Search ! F R o O! e� a� w E Features se,ede4:1 F 305 THIRD STREET PIN:09.12.2994.038 Deedbook;00291HO423 Owner:MILLER,PAIGE M • •, Land Use Cede:101 Property T19e:R ,I V7 Acreage:0,24 Square Feet;1736 r 305 THIRD STREET i Taxable Status:T , Clean&Green Status: PIN:09-11-2994.038 Land Assessed Va'ue$:40600 °1 Deedbook:0029N-00423 Omer:MILLEK PAIGE M Land Use Code 101 PropFrCr Tape:R PO Acreage:0.24 if , i'"� Square Feet:1736 Taxable Status;T Clean&Green Status: Land Assessed Va!v$:40600 8ur:dnA A;msed Value :96000 u Total Assessed Vain?:136500 Sale Prue :?6500 Sale DatF:Tu?Aug 181981 08:00:60 KI Year But 105 �. Kelley Blue Book Page 1 of 2 Kelley Blue Book The Trusted Resource' FIND NEt9ROAOS' advertisement why ads? Your Blue Book-Value 2003 Jeep Liberty Style:sport Utility 4D Mileage:120000 Trade-In Value Vehicle Highlights Excellent MPG:City 15/Hwy 20 Max Seating:5 $3,484 Very Good Doors:4 Engine:V6,3.7 Liter $3,409 Drivetrain:4WD Transmission:Automatic Good EPA Class:Sport Utility Vehicles Body Style:Sport Utility $3,109 �_, Country of Origin:United States Country of Assembly:United States Fair Your Configured Options Our preselected options,based on typical equipment for this car. J Options that you added while configuring this car. 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Engine Braking and Traction Safety and Security �VJ V6,Flex Fuel,3.6 Liter Touring Suspension Dual Air Bags Transmission Traction Control Side Air Bags Automatic,6-Spd w/Overdrive&AutoStick Stability Control F&R Head Curtain Air Bags Drivetrain ABS(4-Wheel) Seats FWD Comfort and Convenience Heated Seats [7/ Accessory Packages Keyless Entry Power Seat Cold Weather Pkg Keyless Start Leather Air Conditioning Wheels and Tires Power Windows Premium Wheels Power Door Locks Cruise Control Steering Power Steering Tilt Wheel Entertainment and Instrumentation AM/FM Stereo MP3(Single Disc) Sirius Satellite DVD System Bluetooth Wireless UConnect New Cars You Might Like http://www.kbb.com/Chrysler/200/2011-Chrysler-200/s-sedan-4d/?pricetype=private-party... 7/24/2013 t r Purchase Agreement This agreement is made between Estate of Donna Laird, formerly doing business as Donna Laird Tax Service known as the (Seller) and Kelly Financial Services, Inc., known as the (Buyer). Whereas, the Seller is currently operating Donna Laird Tax Service from an office at 305 3rd Street, Summerdale, PA 17025 with a mailing address of 305 3rd Street, Summerdale, PA 17025. Whereas, the Seller desires to transfer all the clients, on the attached Exhibit "A" (approximately 132 clients; Exhibit A) to the buyer that have been previously serviced by Seller. and the Buyers agrees to purchase said Client List on the attached Exhibit "A"; Whereas, the Buyer desires to purchase from the Seller the tax clients of the SELLER, but not the name, and; Now, therefore, in consideration of the mutual promises herein made and the considerations hereinafter expressly set out, the parties do mutually covenant and agree as follows: 1. Seller's Offer Seller hereby sells to Buyer its tax and accounting service clients listed in Exhibit A owned and operated by Seller, and the Buyer hereby does purchase the same, the effective date of this transaction to be July 16, 2013, with the following notations: A. The Seller is not selling its name or right to use its name; Seller retains. B. The Seller is retaining the accounts receivable if any, and collection if any, for the clients listed in Exhibit A for all services rendered and billed prior to July 16, 2013. Seller is responsible for the collection of those fees. C. The Seller will retain all other assets and liabilities not identified in this agreement. D. The Seller will turn over to the Buyer its client list (Exhibit A) and will not attempt to continue to do business with these clients from the list after July 16, 2013 or the date of closing, whichever occurs first, for the term of this agreement. E. All of the Seller's work papers, copies of tax returns, correspondence files, electronic data, software, client lists, and client information files that are relevant to the clients listed in Exhibit A serviced by the Seller shall also be turned over to the Buyer as of July 26, 2013. 2. Buyer Consideration & Payment Details The parties agree to the following terms & payment formula: A. At closing, the Buyer will pay the Seller Two-Thousand Dollars and no cents as a one time payment. 3. Notice to the Client The Buyer and Seller agree that they will send out whatever reasonable notices are required by the Buyer, either formal or informal, designed to advise clients that the Buyer is purchasing the client list of the Seller. It is understood specifically that the Buyer is not a successor corporation or successor entity of the Seller. In addition, the Seller will cooperate with the Buyer, as the Buyer requires, for direct personal contact with various clients on any of the lists attached hereto. The buyer will provide the names & addresses of such clients as available for the past three tax years. 4. Seller Warranty & Re. Rresentation A. The clients listed on Exhibit A are bona fide and the amounts given as previous collections for the period indicated are substantially correct. B. There are no outstanding liabilities against the practice at the closing date or should some occur, the Seller will take responsibility for any such claim that might exist and will hold harmless the Buyer from any previous transactions, claims or occurrences involving this practice prior to the date of closing. C. The Seller agrees not to share any part of the client list (exhibit A) with any other individual or entity upon execution of this contract without the express consent of the buyer. 5. Non-Compete Agreement The seller agrees that the Client list wil not be re-sold to another tax practitioner or divulged in part to any other tax business within a 20-mile radius from the Buyer's office. The seller also understands that he may not sell or give any of the client's names to any other individual or group. He must reasonably protect the client names once sold to the buyer. 6. Liquidated Damages A violation of any of the provisions of the Non-Compete Agreement referred to above, the amount of liquidated damages shall be the total amount paid to the Seller on account of the file of a particular client involved, and shall immediately become due and payable to the Buyer as liquidated damages. Further, the Seller agrees that this is not an exclusive remedy and that the Buyer shall have any other remedies that are allowed by law. Further, the Seller shall pay the Buyer the actual attorney fees and costs that are expended pursuant to any violation of the Agreement by the Seller. 7. Assignment of Payment A. All payments for purchase of the client list will be made to Estate of Donna Lair (Seller) or his heirs-at-law. Any monies, liabilities or commissions due to others will be paid by the Seller. The Seller may not assign payments to any other person or entity. B. The Seller will hold harmless the Buyer from any known or unknown encumbrances against the sale of this business. IN WITNESS WHEREOF, the parties hereto have executed this Agreement the 16th Day of July, 2013. Buyer: Kelly Financial Services, Inc. Seller: Paige Miller, Executrix ra . Kelly, EA Paige Willer, Executrix President, Kelly Financial Services, Inc. Estate of Donna Lair Witnesses: > PSECO 06/13/2013 Stone LaFaver&Shekletski Jennifer A. Mearkle, Paralegal P.O.Box E New Cumberland,PA 17070 Re: DONNA LAIRD,Deceased. PSECU Reference#5145688631406 Dear Ms.Mearkle: The above referenced person has an account with PSECU which was opened on November 15, 1977. The Share accounts were individually held by Donna Laird.The Visa and Auto loans were individually held by Donna Laird and the Real Estate Equity loan was jointly held by Donna Laird and Paige M. Miller. The following are the.Date of Death Balances for Donna Laird's account with PSECU: Account Date of Death Balances Interest—May 1-21 Shares: (S1) Savings $4,560.47 $0.44 (S3)Christmas $102.22 $0.01 (S4)Checking $430.78 $0.04 Loans: (L9)Visa Loan $4,326.42 (L15)Auto Loan $10,679.20 (1,53)Real Estate Equity $32,434.31 If the Estate has sufficient funds to payoff the decedent's Visa loan,please remit a check,made payable to PSECU. If there are not sufficient funds to pay off this loan,please submit a letter of insolvency along with supporting documentation such as a final inheritance tax return and financial accounting. The Auto loan balance must be satisfied by the Estate unless the Administrator does not wish to keep the vehicle. If that is her decision you may contact the Credit Union and make the necessary arrangements to return the vehicle to PSECU. The joint borrower on the Real Estate Equity is responsible for paying the loan in full. This will need to be done before closing this account. If you have any questions,please contact me at(717)234-8484 or toll-free at(800)237-7328,press 6, extension 3120. Sincerely, ✓�'//}/ S' 2� U Sandy Fagley Member Service Representative PSECU Pennsylvania State Employees Credit Union 1 Credit Union Place, P.O. Box 67013, Harrisburg, PA 17106-7013 • 800.237.7328 • >>psecu.com THIS CREDIT UNION IS FEDERALLY INSURED BYTHE NATIONAL CREDIT UNION ADMINISTRATION.EQUAL OPPORTUNITY LENDER. pAmeriChoice FEDERAL CREDIT UNION Building Relationships For Life July 9, 2013 Stone LaFaver & Shekletski 414 Bridge Street P.O. Box E New Cumberland, PA 17070 Re: Estate of Donna Eileen Laird Jennifer: The decedent had one member number, 37908 titled Donna E Laird. This was a joint account with Paige M Miller. Paige was added as a joint owner with rights of survivorship on both the savings and the checking on May 23, 2008. Account 16683 Regular Savings (suffix 0001) —opened 06/22/2005 Checking (suffix 00 13)—opened 09/03/2005 Date of death balances are as follows: Balance Dividends earned from 1/1/13 to DOD 0001 - $ 562.23 $ 3.35 (included in balance) 0013 - $ 886.46 $ 0.00 Mrs. Laird did not have a safe deposit box or an IRA with AmeriChoice I have enclosed Mrs. Laird's last statement. This account was closed on June 5, 2013 with a check for$1,448.90 made payable to the Donna Eileen Laird Estate. Feel free to contact me directly with any questions you may have. Sincerely, Bonnie R. Seagraves Operations Specialist Phone (717) 591-1282 Fax (717) 697-3713 Email bseagraves ,americhoice.org Main Office:2175 Bumble Bee Hollow Road •Mechanicsburg, PA 17055 •Phone: (717) 697-3474 • Fax: (717)697-3713 Website:www.americhoice.org mix Equal Paper Lrj s O 12t e .r. . . LENDER LENDER CREDITUNIONS' FSC-CO21197 PSECO 06/13/2013 Stone LaFaver& Shekletski Jennifer A. Mearkle,Paralegal P.O. Box E New Cumberland,PA 17070 Re: Donna E. Laird,Deceased. PSECU Reference#5590503381418 Dear Ms. Mearkle: The above referenced person is a joint owner on Gary A. Shoemaker's account.The account was opened on June 30, 2008. The Share accounts were jointly held by Gary A. Shoemaker and Donna E. Laird. The following are the Date of Death Balances for Gary A. Shoemaker's account with PSECU: Account Date of Death Balances Interest—May 1-21 (S 1) Savings $4,897.35 $0.42 (S3) Christmas $5.67 $0.00 (S4)Checking $494.29 $0.02 If you have any questions,please contact me at(717) 234-8484 or toll-free at (800)237- 7328,press 6, extension 3120. Sincerely, Sandy Fa ey Member Service Representative PSECU Pennsylvania State Employees Credit Union 1 Credit Union Place, P.O. Box 67013, Harrisburg, PA 17106-7013 • 800.237.7328 • >>psecu.com THIS CREDIT UNION IS FEDERALLY INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION.EQUAL OPPORTUNITY LENDER. PSECO 06/13/2013 Stone LaFaver& Shekletski Jennifer A. Meark-le, Paralegal P.O. Box E New Cumberland, PA 17070 Re: D. E.LAIRD, Deceased. PSECU Reference#7706675169179 Dear Ms.Mearkle: The above referenced person has an account with PSECU which was opened on May 21, 1999.The Share accounts were jointly held by D. E. Laird and Paige M. Miller. Ms. Miller was added as a joint owner on May 13, 2004. The following are the Date of Death Balances for D. E. Laird's account with PSECU: Account Date of Death Balances Interest—May 1-21 (S 1) Savings $5,995.60 $0.52 The account has been closed. If you have any questions,please contact me at(717) 234-8484 or toll-free at(800) 237- 7328, press 6, extension 3120. Sincerely, Sandy Fa ley U Member Service Representative PSECU Pennsylvania State Employees Credit Union 1 Credit Union Place, P.O. Box 67013, Harrisburg, PA 17106-7013 • 800.237.7328 • >>psecu.com THIS CREDIT UNION IS FEDERALLY INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION,EQUAL OPPORTUNITY LENDER. Calculated Value of Your Paper Savings Bond(s) Page 1 of 1 Calculated Value of Your Paper Savings Bond(s) Calculator Results for Redemption Date 05/2013 Total Price Total Value Total Interest YTD Interest $125.00 $226.18 $101.18 $1.30 Bonds: 1-5 of 5 Serial # Series Denom Issue Next Final Issue Interest Value Date Accrual Maturity Price Interest Rate Note t L568626358EE EE $50 06/1998 06/2013 06/2028 $25.00 $15.78 0.63% $40.78 L538637867EE EE $50 07/1995 07/2013 07/2025 $25.00 $25.20 0.59% $50.20 + L522083007EE EE $50 03/1994 06/2013 03/2024 $25.00 $28.42 4.00% $53.42 L548277714EE EE $50 06/1996 06/2013 06/2026 $25.00 $17.98 0.59% $42.98 L578996743EE EE $50 09/1999 06/2013 09/2029 $25.00 $13.80 0.63% $38.80 Totals for 5 Bonds $125.00 $101.18 $226.18 Notes NI Not Issued NE Not eligible for payment P5 Includes 3 month interest penalty MA Matured and not earning interest http://www.treasurydirect.gov/BC/SBCPrice 7/16/2013 0 < 0 � 0 D M D -1 m m� x fD m m ^ m W v n c fD 3 < rn Z 5 m m 3 n :3 0 m m O (D a 0 y a C Dn D< 0 w p C ( 7 D o m m N 3 0 D) 3 ° a o m : m Q c C CD O (D m m m O w 3 �i N O CA GO CLM CD -4 m m m CL M m.N < N CO y tD 24 ? CD SL m 0 n o m 3mo fD (D 0) Q 20 00 �N o m pD :Q (AD -1 _. Cl7 "�D n n N N N a ° y �, �. r = . 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P.O.Box 10366 Overnight Address Contract Number Account Type Des Moines,IA 50306-0366 4700 Westown Parkway,Suite 200 3201373998 Custodial IRA 1(888)637-5624 West Des Moines,IA 50266-2266 -.-.__.. ._.__.__.__.— www.metlifeinvestors.com Owners) MLPF&S C/F DONNA E LAIRD Annuitant(a) �-------- DONNA E LAIRD DONNA E LAIRD PO BOX 153 Advisor Name SUMMERDALE, PA 17093-0153 Thomas Wertz li'I"IIIIII�IIIi�ll'11'IIIII'lill�i'�il��l"IIIIIIII�Iiill Account Summary Account Balance on May 1,2013 $109,803.49 Guaranteed Minimum Income Benefit Plus Next Automatic Annual Step up Date 6/10/13 Transaction Transaction Dollar Amount Unit Unit(s)this Date Description of Transaction Value Transaction _ 5/1/13 Systematic Withdrawal $561.05 MetLife Balanced Strategy Portfolio $431.32 13.993925 30.8219 --- American Funds Moderate Allocation Portfolio $129.73 11.587186 11.1960 -- Payee Name: MLPF&S CUST FBO DONNA E LAIRD ° 5/1/13 Ending Balances: _ American Funds Moderate Allocation Portfolio $25,390.35 11.587186 2,191.2435 _ MetLife Balanced Strategy Portfolio $84,413.14 13.993925 6,032.1278 r Messages: Please review your confirmation carefully. Please notify us of any errors regarding any transaction in your account within 60 days of the receipt of your confirmation. If we are not notified of an error in your account within the timeframe set forth above,any correction will be made at the unit price(s)calculated on the date that we receive notification. The insurance company identified on this statement confirms the transactions shown as the issuer of the policy/contract. The insurance company is providing this confirmation on behalf of the variable product distributor, MetLife Investors Distribution Company,and your retail broker dealer, who are acting as agents for the insurance company. You should follow up any oral notice of an error that you provide to us with a written confirmation of the notice. The Ending Balance is as of this statement date. Td'A Vc tfe. 11109 ? 03 49 000000 418246--0031 P-011-1092 Prudential Financial Inc., PRU Historical Quote - (NYSE) PRU, Prudential Financial Inc. ... Page 1 of 1 In;e sanPS SFI+RCH I Enter Symbols or Keywords � Adverasernent 4 IGZO:NEXT GENERATION DISPLAY TECHNOLOGY : IGZO. MChar!s* Higher Resolution,Lower Power Consumption,Higher Performance in touch,�� sensitivity:IGZ0 display technology,is opening a world of possibilities. SHAi2P. From M3rketryatch PRU Basic Chart Advanced Chart interactive Chart Homer Ouetes I News Industries Markets Historical Qttotes BigReports This Historical Quotes 1001 allows you to look up a seculltys exact dosing price. Simply type in the Symbol and a hiStoriCal date to New 0 quote and mini Chart for that SeCpnty. Enter Symbol: PRU— � Enter Date: EEL Prudential Financial Inc. 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HetwiCel and cunent end-of-day data provided by SIX Financial Information.Intraday data delayed pet exchange raquirements.SSP/Dow Jones Indices ISM)from Dow Jones S Company,Inc All quotes are In local eychange time Real time last sale dote Provided by NASDAQ. More information on NASDAQ traded symbols and their current Wendel status. Iminday data deayed 15 minutes for Nested.and 20 minutes for other o.changes S&P/Dow Jones Indices ISMI from Dow Jones S Company.Inc. SEHK intraday date is provided by SIX Financial Information and is at least 60-minutes delayed. An quotes ere in local exchange time. I I http://bigcharts.marketwatch.com/historical/default.asp?symb=PRU&closeDate=05%2F21... 2/14/2014 If I can be of further assistance, please feel free to call. ouz�M. � . Dawn M Berrier Susquehanna Bank Deposit Research - Reporting Department Lead 1-717-625-6546 DMB/csr Inst. # 201230986 - Page 1 of 11 CERTIFIED PROPERTY IDENTIFICATION NUMBERS t 09-12-2994-038 - EAST PENNSBORO CCGIS REGISTRY 10/09/2012 BY TB Prepared By: Sloane Tucker PSECU PO Box 67013 Harrisburg, PA 17106-7013 717-234-8484 x3815 Return To: Mortgage Servicing PSECU PO Box 67013 Harrisburg,PA 17106-7013 Parcel Number: 09-12-2994-038 Premises: 305 THIRD STREET SUMMERDALE,PA 17093 —Commonwealth of Pennsylvania Space Above This Line For Recording Data— OPEN-END MORTGAGE This Mortgage secures future advances 1. DATE ANQ P TIES. The date of this Mortgage (Security Instrument) is $_ �,, .............. . The parties and their addresses are: MORTGAGOR: DONNA E LAIRD PAIGE M MILLER P.O.Box 153 305 THIRD STREET 305 THIRD ST PO BOX 153 SUMMERDALE,PA 17093-0153 SUMMERDALE,PA 17093-0153 ❑ If checked, refer to the attached Addendum incorporated herein, for additional Mortgagors, their signatures and acknowledgments. LENDER: PSECU PO Box 67013 Harrisburg,PA 1 71 06-701 3 PENNSYLVANIA •MORTGAGE INOT FOR FNMA,FHLMC,FHA OR VA USE) (page 1 of 91 '-�F'c"�©1994 Bankers Systems,Inc.,St,Cloud,MN Form RE-MTG-PA 9/812005 Inst. # 201230986 - Page 2 of 11 2. CONVEYANCE. For good and valuable consideration, the receipt and sufficiency of which is acknowledged, and to secure the Secured Debt (defined below) and Mortgagor's performance under this Security Instrument, Mortgagor 'grants, bargains, conveys and mortgages to Lender the following described property: Exhibit"A"is attached. The property is located in _.._CUMBERLAND. . . ................ at ............................. ... . .. .... (County) 305 THIRD STREET,SUMMERDALE , Pennsylvania 17093 ..... .. (ZIP Code) (Address), (City) Together with all rights, easements, appurtenances, royalties mineral rights, oil and gas rights, all water and riparian rights, ditches, and water stock and all existing and future improvements, structures, fixtures, and replacements that may now, or at any time in the future, be part of the real estate described above(all referred to as "Property"). 3. MAXIMUM OBLIGATION LIMIT. The total principal amount secured by this Security Instrument at any one time shall not exceed $ 35000;00 . . ................................. . This limitation of amount does not include interest and other fees and charges validly made pursuant to this Security Instrument. Also, this limitation does not apply to advances made under the terms of this Security Instrument to protect Lender's security and to perform any of the covenants contained in this Security Instrument. 4. SECURED DEBT AND FUTURE ADVANCES. The term "Secured Debt" is defined as follows: A. Debt incurred under the terms of all promissory note(s), contract(s), guaranty(ies) or other evidence of debt described below and all their extensions, renewals, modifications or substitutions. (When referencing the debts below it is suggested that you include items such as borrowers' names, note amounts, interest rates, maturity dates, etc.) PSECU loan 1234348 to DONNA E LAIRD,PAIGE M MILLER,in the principal amount of $3 00 .00 with an interest rate of 4.74000%per annum,to be repaid in full on B. All future advances from Lender to Mortgagor or other future obligations of Mortgagor to Lender under any promissory note, contract, guaranty, or other evidence of debt executed by Mortgagor in favor of Lender after this Security Instrument whether or not this Security Instrument is specifically referenced. If more than one person signs this Security Instrument, each Mortgagor agrees that this Security Instrument will secure all future advances and future obligations that are given to or � (page 2 of 9) EA259r-aft 1994 Bankers Systems,Inc.,St.Cloud.MN Form RE•MTG-PA 9/8/2005 Inst. # 201230986 - Page 3 of 11 incurred by any one or more Mortgagor, or any one or more Mortgagor and others. All future advances and other future obligations are secured by this Security Instrument even though all or part may not yet be advanced. All future advances and other future obligations are secured as if made on the date of this Security Instrument. Nothing in this Security Instrument shall constitute a commitment to make additional or future loans or advances in any amount. Any such commitment must be agreed to in a separate writing. C. All obligations Mortgagor owes to Lender, which may later arise, to the extent not prohibited by law, including, but not limited to, liabilities for overdrafts relating to any deposit account agreement between Mortgagor and Lender. D. All additional sums advanced and expenses incurred by Lender for insuring, preserving or otherwise protecting the Property and its value and any other sums advanced and expenses incurred by Lender under the terms of this Security Instrument. This Security Instrument will not secure any other debt if Lender fails to give any required j rescission notice. S. PAYMENTS. Mortgagor agrees that all payments under the Secured Debt will be paid when due and in accordance with the terms of the Secured Debt and this Security Instrument. 6. WARRANTY OF TITLE. Mortgagor warrants that Mortgagor is or will be lawfully seized of the estate conveyed by this Security Instrument and has the right to grant, bargain, convey, sell, and mortgage the Property. Mortgagor warrants that the Property is unencumbered, except for encumbrances of record. 7. PRIOR SECURITY INTERESTS. With regard to any other mortgage, deed of trust, security agreement or other lien document that created a prior security interest or encumbrance on the Property, Mortgagor agrees; A. To make all payments when due and to perform or Comply with all covenants. B. To promptly deliver to Lender any notices that Mortgagor receives from the holder. C. Not to allow any modification or extension of, nor to request any future advances under any note or agreement secured by the lien document without Lender's prior written consent. 8. CLAIMS AGAINST TITLE. Mortgagor will pay all taxes, assessments, liens, encumbrances, lease payments, ground rents, utilities, and other charges relating to the Property when due. Lender may require Mortgagor to provide to Lender copies of all notices that such amounts are due and the receipts evidencing Mortgagor's payment. Mortgagor will defend title to the Property against any claims that would impair the lien of this Security Instrument. Mortgagor agrees to assign to Lender, as requested by Lender, any rights, claims or defenses Mortgagor may have against parties who supply labor or materials to maintain or improve the Property. 9. DUE ON SALE OR ENCUMBRANCE. Lender may, at its option, declare the entire balance of the Secured Debt to be immediately due and payable upon the creation of, or contract for the creation of, any lien, encumbrance, transfer or sale of all or any part of the Property. This right is subject to the restrictions imposed by federal law (12 C.F.R. 591), as applicable. This covenant shall run with the Property and shall remain in effect until the Secured Debt is paid in full and this Security Instrument is released. (page 3 of 9/ f5 057'f C)1994 Bankers Systems,Inc.,St.Cloud,MN Form RE-MTG•PA 918/2005 Inst. # 201230986 — Page 4 of 11 10.PROPERTY CONDMON, ALTERATIONS AND INSPECTION. Mortgagor will keep the Property in good condition and make all repairs that are reasonably necessary. Mortgagor shall not commit or allow any waste, impairment, or deterioration of the Property. Mortgagor will keep the Property free of noxious weeds and grasses. Mortgagor agrees that the nature of the occupancy and use will not substantially change without Lender's prior written consent. Mortgagor will not permit any change in any license, restrictive covenant or easement without Lender's prior written consent. Mortgagor will notify Lender of all demands, proceedings, claims and actions against Mortgagor, and of any loss or damage to the Property. Lender or Lender's agents may, at Lender's option, enter the Property at any reasonable time for the purpose of inspecting the Property. Lender shall give Mortgagor notice at the time of or before an inspection specifying a reasonable purpose for the inspection. Any inspection of the Property shall be entirely for Lender's benefit and Mortgagor will in no way rely an Lender's inspection. 11.AUTHORITY TO PERFORM. If Mortgagor fails to perform any duty or any of the covenants contained in this Security Instrument, Lender may, without notice, perform or cause them to be performed. Mortgagor appoints Lender as attorney in fact to sign Mortgagor's name or pay any amount necessary for performance. Lender's right to perform for Mortgagor shall not create an obligation to perform, and Lender's failure to perform will not preclude Lender from exercising any of Lender's other rights under the law or this Security Instrument. If any construction on the Property is discontinued or not carried on in a reasonable manner, Lender may take all steps necessary to protect Lender's security interest in the Property, including completion of the construction. 12.ASSIGNMENT OF LEASES AND RENTS. Mortgagor irrevocably grants, bargains, conveys and mortgages to Lender as additional security all the right, title and interest in and to any and all existing or future leases, subleases, and any other written or verbal agreements for the use and occupancy of any portion of the Property, including any extensions, renewals, modifications or substitutions of such agreements (all referred to as "Leases") and rents, issues and profits (all referred to as "Rents"), Mortgagor will promptly provide Lender with true and correct copies of all existing and future Leases. Mortgagor may collect, receive, enjoy and use the Rents so long as Mortgagor is not in default under the terms of this Security Instrument. Mortgagor agrees that this assignment is immediately effective between the parties to this Security Instrument and effective as to third parties on the recording of this Security Instrument, and this assignment will remain effective until the Obligations are satisfied. Mortgagor agrees that Lender is entitled to notify Mortgagor or Mortgagor's tenants to make payments of Rents directly to Lender after such recording, however Lender agrees not to notify Mortgagor's tenants until Mortgagor defaults and Lender notifies Mortgagor of the default and demands that Mortgagor and Mortgagor's tenants pay all Rents directly to Lender. On receiving notice of default, Mortgagor will endorse and deliver to Lender any payment of Rents in Mortgagor's possession and will receive any Rents in trust for Lender and will not commingle the Rents with any other funds. Any amounts collected will be applied as provided in this Security Instrument. Mortgagor warrants that no default exists under the Leases or any applicable landlord/tenant law. Mortgagor also agrees to maintain and require any tenant to comply with the terms of the Leases and applicable law. (page 4 of 9) .*©1994 Bankers Systems,Inc.,St.Cloud,MN Form RE-MMPA 918/2005 Inst. # 201230986 - Page 5 of 11 13.LEASEHOLDS; CONDOMINIUMS; PLANNED UNIT DEVELOPMENTS. Mortgagor agrees to comply with the provisions of any lease if this Security Instrument is on a leasehold. If the Property includes a unit in a condominium or a planned unit development (PUD), Mortgagor will perform all of Mortgagor's duties under the covenants, by-laws, or regulations of the condominium or PUD. 14.DEFAULT. Mortgagor will be in default if any party obligated on the Secured Debt fails to make payment when due. Mortgagor will be in default if a breach occurs under the terms of this Security Instrument or any other document executed for the purpose of creating, securing or guarantying the Secured Debt. A good faith belief by Lender that Lender at any time is insecure with respect to any person or entity obligated on the Secured Debt or. that the prospect of any payment or the value of the Property is impaired shall also constitute an event of default. 15.REMEDIES ON DEFAULT. In some instances, federal and state law will require Lender to provide Mortgagor with notice of the right to cure or other notices and may establish time schedules for foreclosure actions. Subject to these limitations, if any, Lender may accelerate the Secured Debt and foreclose this Security Instrument in a manner provided by law if Mortgagor is in default. At the option of Lender, all or any part of the agreed fees and charges, accrued interest and principal shall become immediately due and payable, after giving notice if required by law, upon the occurrence of a default or anytime thereafter. In addition, Lender shall be entitled to all the remedies provided by law, the terms of the Secured Debt, this Security Instrument and any related documents. All remedies are distinct, cumulative and not exclusive, and the Lender is entitled to all remedies provided at law or equity, whether or not expressly set forth. The acceptance by Lender of any sum in payment or partial payment on the Secured Debt after the balance is due or is accelerated or after foreclosure proceedings are filed shall not constitute a waiver of Lender's right to require complete cure of any existing default. By not exercising any remedy on Mortgagor's default, Lender does not waive Lender's right to later consider the event a default if it continues or happens again. 16.EXPENSES; ADVANCES ON COVENANTS, ATTORNEYS' FEES; COLLECTION COSTS. Except when prohibited by law, Mortgagor agrees to pay all of Lender's expenses if Mortgagor breaches any covenant in this Security Instrument. Mortgagor will.also pay on demand any amount incurred by Lender for insuring, inspecting, preserving or otherwise protecting the Property and Lender's security interest. These expenses will bear interest from the date of the payment until paid in full at the highest interest rate in effect as provided in the terms of the Secured Debt. Mortgagor agrees to pay all costs and expenses incurred by Lender in collecting, enforcing or protecting Lender's rights and remedies under this Security Instrument. This amount may include, but is not limited to, attorneys' fees, court costs, and other legal expenses. This Security Instrument shall remain in effect until released. Mortgagor agrees to pay for any recordation costs of such release. 17.ENVIRONMENTAL LAWS AND HAZARDOUS SUBSTANCES. As used in this section, Environmental Law means, without limitation, the Comprehensive Environmental Response, Compensation and Liability Act (CERCLA, 42 U.S.C. 9641 et seq.), and all other federal, state and local laws, regulations, ordinances, court orders, attorney general opinions or interpretive letters concerning the public health, safety, welfare, environment or a hazardous c..�d� (Page 5 0191 -+Y-+�'��r d 1994 Sonkm Systems,hrc.,St Cloud,MN Form RE-MTG•PA 91812008 Inst. # 201230986 - Page 6 of 11 i substance. Hazardous Substance means any toxic, radioactive or hazardous material, waste, pollutant or contaminant which has characteristics which render the substance dangerous or potentially dangerous to the public health, safety, welfare or environment. The term includes, without limitation, any substances defined as "hazardous material," "toxic substances," "hazardous waste" or "hazardous substance"under any Environmental Law. Mortgagor represents, warrants and agrees that: A. Except as previously disclosed and acknowledged in writing to Lender, no Hazardous Substance is or will be located, stored or released on or in the Property. This restriction does not apply to small quantities of Hazardous Substances that are generally recognized to be appropriate for the normal use and maintenance of the Property. B. Except as previously disclosed and acknowledged in writing to Lender, Mortgagor and every tenant have been, are, and shall remain in full compliance.with any applicable Environmental Law. C. Mortgagor shall immediately notify Lender if a release or threatened release of a Hazardous Substance occurs on, under or about the Property or there is a violation of any Environmental Law concerning the Property. In such an event, Mortgagor shall take all necessary remedial action in accordance with any Environmental Law. D. Mortgagor shall immediately notify Lender in writing as soon as Mortgagor has reason to believe there is any pending or threatened investigation, claim, or j proceeding relating to the release or threatened release of any Hazardous Substance or the violation of any Environmental Law. 18.CONDEMNATION. Mortgagor will give Lender prompt notice of any pending or threatened action to purchase or take any or all of the Property through condemnation, eminent domain, or any other means. Mortgagor authorizes Lender to intervene in Mortgagor's name in any of the above described actions or claims. Mortgagor assigns to Lender the proceeds of any award or claim for damages connected with a condemnation or other taking of all or any part of the Property. Such proceeds shall be considered payments and will be applied as provided in this Security Instrument. This assignment of proceeds is subject to the terms of any prior mortgage, deed of trust,.security agreement or other lien document. 19.INSURANCE. Mortgagor shall keep Property insured against loss by fire, flood, theft and other hazards and risks reasonably associated with the Property due to its type and location. This insurance shall be maintained in the amounts and for the periods that Lender requires. What Lender requires pursuant to the preceding two sentences can change during the term of the Secured Debt. The insurance carrier providing the insurance shall be chosen by Mortgagor subject to Lender's approval, which shall not be unreasonably withheld. If Mortgagor fails to maintain the coverage described above, Lender may, at Lender's option, obtain coverage to protect Lender's rights in the Property according to the terms of this Security Instrument. All insurance policies and renewals shall be acceptable to Lender and shall include a standard "mortgage clause" and, where applicable, "loss payee clause." Mortgagor shall immediately notify Lender of cancellation or termination of the insurance. Lender shall have the right to hold the policies and renewals. If Lender requires, Mortgagor shall immediately give to Lender all receipts of paid premiums and renewal notices. Upon loss, Mortgagor shall give !page 6 of 91 E t✓ Q 1994 Stinkers Systems,Inc.,St.Claud,MN Farm RE-MTG,PA 91812605 Inst. # 201230986 - Page 7 of 11 immediate notice to the insurance carrier and Lender. Lender may make proof of loss if not made immediately by Mortgagor. Unless otherwise agreed in writing, all insurance proceeds shall be applied to the restoration or repair of the Property or to the Secured Debt, whether or not then due, at Lender's option. Any application of proceeds to principal shall not extend or postpone the due date of the scheduled payment nor change the amount of any payment. Any excess will be paid to the Mortgagor. If the Property is acquired by Lender, Mortgagor's right to any insurance policies and proceeds resulting from damage to the Property before the acquisition shall pass to Lender to the extent of the Secured Debt immediately before the acquisition. 20.ESCROW FOR TAXES AND INSURANCE. Unless otherwise provided in a separate agreement, Mortgagor will not be required to pay to Lender funds for taxes and insurance in escrow. 21.FINANCIAL REPORTS AND ADDITIONAL DOCUMENTS. Mortgagor will provide to Lender upon request, any financial statement or information Lender may deem reasonably necessary. Mortgagor agrees to sign, deliver, and file any additional documents or certifications that Lender may consider necessary to perfect, continue, and preserve Mortgagor's obligations under this Security Instrument and Lender's lien status on the 22.OoINNT AND INDIVIDUAL LIABILITY; CO-SIGNERS; SUCCESSORS AND ASSIGNS BOUND. All duties under this Security Instrument are joint and individual. If Mortgagor signs this Security Instrument but does not sign an evidence of debt, Mortgagor does so only to mortgage Mortgagor's interest in the Property to secure payment of the Secured Debt and Mortgagor does not agree to be personally liable on the Secured Debt. If this Security Instrument secures a guaranty between Lender and Mortgagor, Mortgagor agrees to waive any rights that may prevent Lender from bringing any action or claim against Mortgagor or any party indebted under the obligation. These rights may include, but are not limited to, any anti-deficiency or one-action laws. Mortgagor agrees that Lender and any party to this Security Instrument may extend, modify or make any change in the terms of this Security Instrument or any evidence of debt without Mortgagor's consent. Such a change will not release Mortgagor from the terms of this Security Instrument. The duties and benefits of this Security Instrument shall bind and benefit the successors and assigns of Mortgagor and Lender. 21APPLICABLE LAW; SEVERABILITY; INTERPRETATION. This Security Instrument is governed by the laws of the jurisdiction in which Lender is located, except to the extent otherwise required by the laws of the jurisdiction where the Property is located. Any provision that appoints Lender as an agent is not subject to the provisions of 20 Pa.C.S.A. Section 5601 et seq. (Chapter 56; Decedents, Estates and Fiduciaries Code). Lender, by exercising any of its rights under this Security Instrument, does so for its sole benefit. This Security Instrument is complete and fully integrated. This Security Instrument may not be amended or modified by oral agreement. Any section in this Security Instrument, attachments, or any agreement related to the Secured Debt that conflicts with applicable law will not be effective, unless that law expressly or impliedly permits the variations by written agreement. If any section of this Security Instrument cannot be enforced according to its ���y !page 7 of 9) �-+�/5 SO 1994 Bankers Systems,Inc.,St.Cloud,.MN Form RE-MTG-PA 9/8/2005 Inst. # 201230986 - Page 8 of 11 terms, that section will be severed and will not affect the enforceability of the remainder of this Security Instrument. Whenever used, the singular shall include the plural and the plural the singular. The captions and headings of the sections of this Security Instrument are for convenience only and are not to be used to interpret or define the terms of this Security Instrument. Time is of the essence in this Security Instrument. 24.NOTICE. Unless otherwise required by law, any notice shall be given by delivering it or by mailing it by first class mail to the appropriate party's address on page 1 of this Security Instrument, or to any other address designated in writing. Notice to one mortgagor will be deemed to be notice to all. 25.WAIVERS. Except to the extent prohibited by law, Mortgagor waives any right to appraisement relating to the Property. 26.OTHER TERMS. If checked, the following are applicable to this Security Instrument: ❑ Line of Credit. The Secured Debt includes a revolving line of credit provision. Although the Secured Debt may be reduced to a zero balance, this Security Instrument will remain in effect until released. ❑ Construction Loan. This Security Instrument secures an obligation incurred for the construction of an improvement on the Property. ❑ Fixture Filing. Mortgagor grants to Lender a security interest in all goods that Mortgagor owns now or in the future and that are or will become fixtures related to the Property. This Security Instrument suffices as a financing statement and any carbon, photographic or other reproduction may be filed of record for purposes of Article 4 of the Uniform Commercial Code. ❑ Purchase Money. This Security Instrument secures advances by Lender used in whole or in part to acquire the Property. Accordingly, this Security Instrument, and the lien hereunder, is and shall be construed as a purchase money mortgage with all of the rights, priorities and benefits thereof under the laws of the Commonwealth of Pennsylvania. ❑ NOTICE TO BORROWER: THIS DOCUMENT CONTAINS PROVISIONS FOR A VARIABLE INTEREST RATE. ❑ Riders. The covenants and agreements of each of the riders checked below are incorporated into and supplement and amend the terms of this Security Instrument. [Check all applicable boxes ❑ Condominium Rider ❑ Planned Unit Development Rider ❑ Other .................................................................. ❑ Additional Terms. ���p /page 8 of 9) E G� C)1994 Bankers Systems,Inc.,St.Cloud,MN Form RE-MTG-PA 9/8/2005 Inst. # 201230986 - Page 9 of 11 SIGNATURES:By signing below,Mortgagor,intending to be legally bound hereby,agrees to the terms and covenants contained in this Security Instrument and in any attachments.Mortgagor also acknowledges receipt of a copy of this Security Instrument on the date stated on page 1. (Signature) DONNA E LAIRD (Signature) PAIGE M MI ER ( ess) (Witness) ACKNOWLEDGMENT: COMMONWEALTH OF P nmWki icy.COUNTY OF Dajd i k )ss. On this,the 2-15,1 day of Sce4c*-Jbe4- ,20_L-2, before me,the undersigned officer,personally appeared (Individual) DONNA E LAIRD PAIGE M MILLER known to me(or satisfactorily proven)to be the person(s)whose name(s)is/are subscribed to the within instrument,and acknowledged that he/she/they executed the same for the purposes therein contained. In witness whereof,I hereunto set my hand and official seal. My commission expires: (Seal) CAMMONWFkaH OF PENNSYLVANIA wcrteQ,gLt_ dial W Signature of Officer Nloole WenGeider,Notary RMC City of HarrWrl 03WW County My CQMMWM eq*es>*18,2016 (`bjj�Arq firer PENNSMAMASSO WnonOF►ar s Title of Officer It is hereby certified that the address of the Lender within named is:.......................................... ................ P:O:Box 67013,IIarrigburg,PA_17106:7013.......... ........:. Reference: 1234348 (Page 9 of 9) Inst. # 201230986 - Page 10 of 11 SCHEDULE "A" 90-036351.40 ALL THAT CERTAIN PROPERTY SITUATED IN TOWNSHIP OF EAST PENNSBORO, COUNTY OF CUMBERLAND, AND STATE OF PENNSYLVANIA BEING MORE PARTICULARLY DESCRIBED IN A DEED RECORDED IN BOOK N-29 AT PAGE 423 AMONG THE LAND RECORDS OF THE COUNTY SET FORTH ABOVE. PARCEL ID: 09-12-2994-038 KNOWN AS: 305 THIRD STREET Inst. # 201230986 - Page 11 of 11 ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY all �4 1 COURTHOUSE SQUARE - a CARLISLE, PA 17013 ' 717-240-6370 = a Instrument Number-201230986 Recorded On 10/9/2012 At 11:22:43 AM *Total Pages- 11 •Instrument Type-MORTGAGE Invoice Number- 119185 User ID-RZ •Mortgagor-MILLER,PAIGE M •Mortgagee-PSECU •Customer- SIMPLIFILE LC &RECORDING •FEES STATE WRIT TAX $0 .50 Certification Page STATE JCS/ACCESS TO $23.50 JUSTICE DO NOT DETACH RECORDING FEES — $23.50 RECORDER OF DEEDS PARCEL CERTIFICATION $10 .00 This page is now part FEES of this legal document. AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE $2 .00 ROD ARCHIVES FEE $3.00 TOTAL PAID $74 .00 I Certify this to be recorded in Cumberland County PA of Cluj \�� r RECORDER OF DEEDS Viso *-Information denoted by an asterisk may change during the verification process and may not be reflected on this page. Renewal Y. byAn lersen.. WINDOW REPLACEMENT an w An air .Cnwj:any April 26, 2012 Your Loan Program Sponsor Paige M Miller Donna E Laird PO Box 153 Summerdale, PA 17093 Borrower Account Number: 1202290158 Thank you for selecting the Renewal by Andersen Consumer Finance Program payment option provided by EnerBank USA. We have processed your new loan in the amount of $ 18,987 .00 . Your first loan payment of $ 316.45 is due on May 2.6, 2012. A payment coupon book will be sent to you in the next few weeks. It is important to always use a coupon when making a loan payment to ensure proper and timely crediting of the payment to your loan. If you have not received your coupon book by May 16, 2012, please call our toll-free customer service number at 1-888-390-1220. To make a payment before you receive your coupon book, print the account number referenced above on your check and mail it to: EnerBank USA P.O. Box 26856 Salt Lake City, UT 84126-0856 Again, thank you for choosing the Renewal by Andersen Consumer Finance Program payment option provided by EnerBank USA, a quick and convenient solution to your home improvement needs. Sincerely, EnerBank USA Loan Operations Center 1245 E. Brickyard, Suite 640, Salt Lake City, UT 84106 t toc, PLO r� I3t _ 3aa . --39Y-3 a.0- ° 3 a a _ _ 4 ° `I--i - � 3.1 iF, 9S7