HomeMy WebLinkAbout03-03-14 J 1505610143
REV-1500 EX(02-11) tt
OFFICIAL USE ONLY
PA Department of Revenue Pennsylvania County Cede Year File Number
Bureau of Individual Taxes 4PRmNEMor REVENUE
PO BOx.280601 INHERITANCE TAX RETURN 21 13 0666
Harrisburg, PA 17128-0601 RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW -
Social Security Number Date of Death - Date of Birth
06 05 2013 01 03 1932
Decedent's Last Name Suffix - Decedent's First Name MI
LOWE ELIZABETH L
(If Applicable)Enter Surviving Spouse's Information Below ,�'-
Spouse's Last Name Suffix Spouse's First Name MI
Spouse's Social Security Number
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
1. Original Return ❑ 2. Supplemental Return 3. Remainder Return(Date of Death
Prior to 12-13-82)
❑ 4. Limited Estate 4a.Future Interest Compromise ❑ 5. Federal Estate Tax Return Required
(date of death after 12-12-82)
g Decedent Died Testate 7. Decedent o aot Tie C)a Living Trust 0 8. Total Number of Safe Deposit Boxes
(Attach Copy of Will) py
❑ 9. Litigation Proceeds Received ❑ 10.Spousal Pove Credit+Da�e or Death 11,Eec4on to tax under Sec.9113(A)
between 1231`_1 and 1- 5) (Attach Schedule O)
CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
JAMES D BOGAR (717) 737 8761
REGISTER OF WILLS USE OIMY
First Line of Address "I
Do F� � C7
ONE WEST MAIN STREET ;'`'
Second Line of Address
DAT IG9D — <-_'-i j
City or Post Office State ZIP Code
SHIREMANSTOWN PA 17011 o
Correspondent's e-mail address: jbogar @bogarlawr.conn
Under penalties of perjury,I declare that I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief,
it is true,correct and complete.Declaration of preparer other than the personal representative Is based on all information of which preparer has any knowledge.
SIGNATURE OF PERSON RESPONSIBLE FOR FILING RETURN DATE
��� William C. Lowe O�,aa l aw
ADDRESS
25 De rive Mechanicsburg, PA 17050
SIGNAT OF P EPARER R THAN REPRESENTATIVE DATE
James D. Bogar lat
ADDRESS
One West Main Stree , Shiremanstown, PA 17011
Side 1
1505610143 1505610143 J
_J 1505610243
REV-1500 EX
Decedent's Social Security Number
Decedenrs Name. Lowe, Elizabeth L. _
RECAPITULATION
1. Real Estate(Schedule A)..........................___....................................................... 1. 108, 000 . 00
i
2. Stocks and Bonds(Schedule B)............................................................................. 2. 11 ,377 . 71
3. Closely Held Corporation, Partnership or Sole-Proprietorship(Schedule C)......... 3.
4. Mortgages&Notes Receivable(Schedule D)........................................................ 4.
5. Cash, Bank Deposits&Miscellaneous Personal Property(Schedule E)............... 5. 45 , 316. 46
6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested............ 6.
7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property
(Schedule G) - u Separate Billing Requested............ 7. 42 ,349 . 47
8. Total Gross Assets (total Lines 1 through 7)........................................................ 8. 207 , 043 . 64_
9. Funeral Expenses and Administrative Costs(Schedule H)............................:....... . 9. 39 , 152 . 44
10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule 1)............................ 10.
11, Total Deductions(total Lines 9 and 10)............................................___............. 11. 39,152 . 44
12. Net Value of Estate(Line 8 minus Line 11).......................................................... 12. 167 , 891 . 20
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. 167 , 891 . 20
TAX COMPUTATION-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.00 15. 0 . 00
16. Amount of Line 14 taxable
at lineal rate X .045 167 , 891 . 20 16. 7 ,555 . 10
17. Amount of Line 14 taxable
at sibling rate X.12 . 0 . 00 17. 0 . 00
18. Amount of Line 14 taxable
at collateral rate X.15 0 . 00 18. 0 . 00
19. TAX DUE.............................. 19. 7 ,555 . 10
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. Fx
Side 2
L 1505610243 1505610243
REV-1500 EX Page 3 File Number 21-13-0666
Decedent's Complete Address:
DECEDENT'S NAME
Lowe, Elizabeth L.
STREETADDRESS
1355 Simpson Ferry Road
CITY STATE ZIP
New Cumberland PA 17070
Tax Payments and Credits:
1. Tax Due(Page 2, Line 19) - (1) 7,555.10
2. Credits/Payments
A. Prior Payments 8,473.70
B. Discount 377.76
Total Credits(A +B) (2) 8,851.46
3. Interest (3)
4. If Line 2 is greater than Line 1 +Line 3,enter the difference. This is the OVERPAYMENT. (4) 1,296.36
Check box on Page 2,Line 20 to request a refund
5, If Line 1 +Line 3 is greater than Line 2,enter the difference. This is the TAX DUE. (5)
Make Check Pa able to: REGISTER OF WILLS, AGENT.
PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS
1. Did decedent make a transfer and: Yes No
a. retain the use or income of the property transferred;................................ ............................................. ❑
b.. retain the right to designate who shall use the property transferred or its income;............................. ❑ ❑x0
c. retain a reversionary interest;or............................................................................................................... x
d. receive the promise for life of either payments,benefits or care?............................................................ x
2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death without
receiving adequate consideration?.................................................................................................................... ❑ ❑x
3. Did decedent own an"in trust for' or payable upon death bank account or security at his or her death?....... ❑ ❑x
4. Did decedent own an individual retirement account,annuity,or other non-probate property which ❑ ❑
contains a beneficiary designation?................................................................................................................. x
IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN.
For dates of death on or after July 1, 1994 and before Jan. 1, 1995,the tax rate imposed on the net value of transfers to or for the use of the surviving
spouse is 3 percent[72 P.S.§9116(a)(1.1)(i)].
For dates of death on or after January 1, 1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent
[72 P.S.§9116(a)(1.1)(ii)]. The statute does not exempt a transfer to a surviving spouse from tax,and the statutory requirements for disclosure of
assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary.
For dates of death on or after July 1,2000:
• The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent,an
adoptive parent,or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1.2)].
• The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent,except as noted in
[72 P.S. §9116(a)(1)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.(01.10)
SCHEDULE A
pennsylvania REAL ESTATE
DEPARTMENT OF REVENUE '
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Lowe, Elizabeth L. 21-13-0666
All real property owned solely or as a tenant in common must be report ad at fair market value.Fair market vehie is defined as the Price atwhich pmpeny would be
exchanged betvreen a willirg buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant/(acts.
Real property that is Jointly-owned vdlh right of survivorship must be disclosed on schedule F.
Attach a copy of the settlement sheet If the property has been sold
Include a copy of the deed shoMne decedent's Interest if owned as tenant in common.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 Real Estate-All that certain piece or parcel of real estate having thereon erected a dwelling 108,000.00
house being known and numbered as 1355 Simpson Ferry Road, New Cumberland,
Pennsylvania. The property was acquired by Charles W. Lowe,Jr.and Elizabeth L Lowe,
husband and wife, by Deed dated March 3, 1954 and recorded March 3,1954 in the
Cumberland County Register of Wills Office,a copy of said Deed being attached hereto and
incorporated herein. The said Charles W.Lowe,Jr.died September 19,2001,whereupon full
and complete title became vested solely in Elizabeth L. Lowe,the decedent herein. Final
settlement took place on February 28, 2014. A copy of the deed conveying said real estate,
along with a copy of the Settlement Sheet,are attached hereto and incorporated herein. The
sale price of the real estate was$108,000.00.
TOTAL(Also enter on Line 1, Recapitulation) 108,000.00
(If more space Is needed,additional pages of the same size)
Copyright(c)2010 forth software only The Lackner Group, Inc. Forth PA-1500 Schedule A(Rev.01-10)
R; A-TERED sv THE GDA5 PAGE360
Made the "AL_� day of in the year
one thousand nine hundred and fifty-four. -
Between CHARLES J. JAFFE and MILDRED B. JAFFE, his wife, of New
Cumberland; Cumberland County, Pennsylvania, parties of the first part,
A N D
CHARLES W. LOWE, JR. and ELIZABETH L. LOWE, his wife, of
Harrisburg, Dauphin County, Pennsylvania, parties of the second part,
Witnesseth, that in consideration of One Dollar ($1.00) and other good and,...,,
valuable considerations - - - - - - - - - - - - - - _ _ - &Ce,
in hand paid, the receipt whereof is hereby acknowledged,the said Grantors do
hereby grant and convey to the said Grantees .
_.
ALL that certain lot of land situate in the Borough.of New Cumberland,
County of Cumberland, and State of Pennsylvania, bounded and described as follows,
to wit:-
BEGINNING at a point on the north side of Simpson Ferry Road (60 feet wide)1
said point being one and ninety-eight hundredths (1.98) feet measured along Simpson
Ferry Road from the dividing line between Lots ,Nos. 43 and 44; thence along said
Simpson Ferry Road south 46 degrees 29 minutes west fifty-seven and twenty-five
hundredths '(57.25) feet to a point at land of Ed Blouch; thence north-42 degrees 38
minutes west along said Ed Blench land fifty-eight and thirty-four:hundredths (58.34)
feet to a point; thence north 43 degrees 31L minutes west still along said Slouch land
forty-one and sixty-seven hundredths (41.67) feet to Lot No. 42 on said Plan; thence
north 46 degrees 29 minutes east along said Lot No. 42, fifty-six and thirty-five hundredt]
(56.35) feet'to a point; thence south 43 degrees 31 minutes east, one hundred (100) feet
to the place of BEGINNING.
BEING the westerly part of Lot No. 44 on the Plan of Forrest Hills, as recorded
in the Cumberland County,'Recorder's Office in Plan_Book 4, Page 54.
HAVING thereon erected a single brick bungalow known as No. 1355 Simpson
Ferry Road.
BEING the same premises which Kenneth R. Keller and Doris Keller, his wife,
by deed dated November 17, 1950 and recorded in the Recorder's Office of Cumberland
County, Pa. in Deed Book "N'', Vol. 14, Page 575 granted and conveyed unto Charles
J. Jaffe and Mildred B. Jaffe, his wife, grantors and parties of the first part herein.
1IM 1 L
AND the said Grantors Will Warrant generally the property hereby conveyed.)
IN WITNESS WHEREOF, the said Grantor. s ha%e hereunto set their h IM,, Mafii;l
Signed, Sealed and Deliveredq� �°�''" °"�' '""" "" e � 1. a-•1
and seal the n the presence r first above written. Gw� .. `® 3 m
llf%. r IdnZ�_
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i"�f(:Sc ...C..�( ..�.r.n.:' . .!. ................................... N-M-93V:.. (SEAL)
JX.a...?�G.... ...tf ... ................................... i. ,.. (SEAL)
( .... (SEAL)
(SEAL)
COMMONWEA-L H OF PENNSYLVANIA , '.
COiJNTY O F 1 /� ��
On this,the ��' •j �' day of /{141""""" A.D. 196'9•,before me
the undersigned officer, personally
appeared Charles J. Jaffe and Mildred B. Jaffe, his w'fe,
. own to me, (or satisfactorily
proveV) to be the persons whose names are subscribed to the within instrument, and
Wow edgdethat they executed the same for the purposes therein contained.
Il�'tV� ISS 1VHEREOF, I hereunto set my hand and official seal.
^'�,,: 0 1 ....................
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Title / Officer
tlEtt BY.G�ERTIFY, that he recise esi ce of the Grantee / 3 S$ 0
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COMMONWEALTH OF PENNSYLVANIA
_ SS:
COUNTY OF
Recorded on this 3-s-4 day of //7a--ll A. D. 19,6y, in the
Recorder's Office of the said County in Deed Book l$' Volume-7 Page 4(�o
Given under my hand and the seal of the said Office, the date above written.A'
... Recorder
STANDARD AGREEMENT FOR THE SALE OF REAL ESTATE ASR
Tnis rem eeumum+ded x174s emtd tor,tu not reerood to nu by,ttm;.6=ofthe Feray1m*A ft-4aion of REALIDRSta(PAR).
PARTIES
BUYER(S):Rita T. Harries SELLER(S): Estate of Elizabeth D. Lowe
BUYER'S MAILING ADDRESS: SELLER'S MAILING ADDRESS:
637 Front Street, Marysville PA 17053
PROPERTY
PROPER)Y,ADDRESS 1355 Simpson Ferry Road New Cumberland PA
ZIP 17070
in the municipality of New Cumberland ,County of Cumberland
in the School District of West Shore ,in the Commonwealth of Permsvlvania.
Identification(a.g.."fax ID 9:Parcel 4;Lot Block;Deed Book,Page.Recording Date):Parcel @2 624 0811 002
BUYER'S RELATIONSHIP WITH PA LICENSED BROKER
❑No Business Relationship(Buyer is not represented by a broker)
Broker(COmpmiy) Re/Max Realty Assoc. Inc Licenstc(s)(NannORenee, L_ Moats
CompanyAddrCSS 3425 Market Street, Camia Rill, PA DirectPhone(s) (717)991-4782
17011 - Coll Phone(s) 7( 17)991-4782
Compurry_Phone (717),761-6300 Fax (717)591-2206
ConnpanvFax Email reneemoats @re n.net
Broker is: Licensce(s)is: -
Q Buyer Agent(Broker represents Buyer only) M Buyer Agent with Designated Agency
0 Dual Agent(See Dun)and/or Designated Agent box below) Q Buyer Agent without Designated Agency
❑Mal Agent(Sea Dual and/or Designated Agctu box below)
Q Transaction Licensee(Broker and Liecnsce(s)provide real estate services but do not represent Buyer)
SELLER'S RELATIONSHIP WITH PA LICENSED BROKER
❑No Business Relationship(Seller is not represented,by a broker)
Broker_(Company)M C Walker Realty Licehsec(s)(Namc)Mark C. Walker
Company Address 14 x walnut street macheerucsbuco, PA Diract Phones) (717)439-6145
17055 Call Phonc(s) (717)4396145
Company Phone' (717)697-9487 Pax'
Company Fax 1717)439-6145 Email markualkerrealty @gmail.cmrl
Broker is: I,iocnuee(s)is:
®Seller Agent(Broker represcnuc.Seller only) M Sella Agent with Designated Agency -
ID Dual Agent(See Dual and/or Designated Agent box below) ❑Seller Agent without Designated Agency
❑Dual Agent(See Dual and/or Designated Agent box below)
❑Transaction Licensee(Broker and Licensees)provide real estate services but do not represent Seller)
DUAL AND/OR DESIGNATED AGENCY
A 3mker is a Dual Agent when a Broker reprsents both Buyer mid Seiler in the same transaction. A Licensee is a Dual Agent when n
Licensee represents Buyer and Seller in the same (.mnsaction. All of Broker's licensees are also Dual Agents UNLESS there are separate
Designalal Agents for Buyer and Seller,If the Same Licensee is designated for Bayer and Seller,the Licensee is a Dual Agent.
By signing this Agr ment, Buyer and Seller each acknowledge having been previously informed of, and consented to, dual agency,
if applicable.
Buyer Initia ASR Page I of 11 Seller Initials: _
Pannsyivan(a Association of REACTORS lle isrd 9/13 COPYRIGHT PENNSYLVANIA ASSOCIATION OF REALTOR5p 2012
5tli
arAV.x ft ll.,AnM.nn)fn k1Nn<,raf Ce HT,rAixnl Plgrc'.<rl)J14.liM Fee•.(rlt),yl la Perrin,N'A
Plyt N4rtr PM&Ked xM1A d F4rl11a try mtL 1070 Filtcm Miles nand.Fmrx.mkwl; 1.a026 L"tYLrIn.G>ti..r-++t
DocuSign Envelope 10:B4357EOE-3FEB-46AF-8040-2BD888CA1C27
I. By this Agreement, dated January 12, 2014
2 Seller hereby agrees to sell and convey to Buvrr,who agrees to purchase,the identified P erty.
3 2. PURCHASE PRICE AND DEPOSITS(1-10) 1/13/2014
4 (A) Puch�e�ri^^ (1lJFfF//NDRE/D ��rif{T7N4L
P r�q
fi T'I3j " U.S.Dollars),to be paid�11JBu>Fr,ys,fsuktsvc:
7 1. Deposit at signina of this Agreement:
8 2. Deposit within 1 days of the Execution Date of this Agreement: S ,�,000.00
9 3. S
10 4. Remaining balance will be paid at settlement. -
I1 (B) All funds paid by Buyer, including deposits, will be paid by check, cashier's check or wired funds. All funds paid by Buyer
12 within 30 DAN'S of settlement, including funds paid at settlement, will be by cashier's check or wired funds, but not by per-
13 sonal Check.
14 (C) Deposits. regardless of the form of payment and the person designated a-s payee, will he paid in U.S. Dollars to Broker for Seller
15 (unless otherwise stated here: ).
16 who still retain deposits in an escrow account in conformity with all applicable laws mid regulations until consummation or ter-
17 initiation of this Agreement. Only real estate brokers are required to hold deposits in accordance with the rases and regulations of
18 the State Real Estate Commission. Checks tendered as deposit monies may be held uncashed pending the execution of this
19 .4grccmenl.
20 3, SELLER ASSIST(If Applicable)(1-10)
21 Seller will pay S or 3 £ %or Purchase Priee(0 if not specified)toward
J2 Buyer's costs. us permitted by die mortgage lender, if any. Seller is only obligated to pay up to the amount or,percentage which is
23 approved by mortgage lender.
24 4. SETTLEMENT AND POSSESSION(1-10)
25 (A) Settlement Date is /}')yg# /a/ 211/'V .orbefore if Buyer and Seller agree.
26 (B)' Settlement will occur in the county Where the Property is located or in an adjacent county. during normal business hours, unless
27 Buyer and Seller agree otherwise.
2S (C)- At time of settlement. the;following will be pro-rated on a daily:basis between Buyer and Seller, reimbursing when: applicable:
29 current taxes (see Notice Regarding Real Estate Tries); refits; interest on mortga4c assumptions;.condominium fees and home-
30 owner association feta: water andfor sewer fees, together with any other licnable municipal service fees. All charges will be pro-.
31 rated for the period(s) covered. Seller will pay up to and including the date of settlement and Buyer will pay for all days follow-
32 ping scnlemcnt,unless,odi rgise stated here:
34 (D) Conveyance from Seiler will be by fee simple deed of special warranty unless otherwise stated here:
35
36 (E) Payment of transfer taxes will be divided equally between Buyer and Seller unless othenvise staled here:
37
3S (F) Possession is to be delivered by-deed, existing Leys and physical possession to a vacant Property free of debris, with all structures
39 broom-clean, at day and time of settlement, unless Seller,.bel'orc signing this Aermment has identified in writing that the Property
40 is subject to'a lease.
41 (G) If Seller has identified in writing that the Proper' is subject to a lease, possession is to be delivered by deed, d$isting,keys and
42 a§signin6ni of existing leases for the Property,together with security deposits and interest,if any.at day,and time of sehlen t Seller ,.
43 will not enter into any new leases. nor extend existing leases, for the Proper' without the mittco consent of Buyer: Buyer will
44 acknowledge existing leasc(s)by initialing the lcau(s)at the execution of this Agreement, unless otherwise stated in this Agreement:
45 El Tenont-Occupied Property Addendum (PAR Form TOP)is attached.
46 i. DATESMME iS OF THE ESSENCE(140) '
47 (A) Written acceptance'of all pariics.will be on or before: January 14, 2014
4$ (B) The Settlement Date and all other dates and times identified for the performance of any obligations of this Agreement are of the
49 esstnco and are binding.
5D {C) The Execution Date of this Agreement 'is the date when Buyer and Seller have indicated full acceptance of this Agreement by sign-
51 in't andfor initialing it For purposes of this Agreement, the number of days will be counted from the Execution Date, excluding
5' the day this Agreement w-ac executed and including the last day of the time period.All changes to this Agreement should be ini-
S3 baled and dated. - -
54 .(D) The Settlement Date is not extended by any other provision of this.Agrcrruent and may only be extended by mutual ttrinen agree-
s5 meat of the particc -
.
56 (E) Certain teens and time periods are pre-printed in this Agreement as a convenience to the Buyer and Seller..All pre-printed teens
57 mid-i)mc periods arc negotiable and may be charged by_-striking out the pre-printed text and inserting different terms acceptable
58 to all parties.
=_9 6. ZONING(ta0)
60 Failure of this agreement to contain the zoning classification (except in cases where the property jand each parcel thereof: if subdi-
61 vidnblc} is zoned solely or primarily to permit single-family dwellings) will tender this :Agreement voidable at Buyers option, and, if
112 voided,any deposits tendered by the Buyer will be returned to the Buyer without any requirement"for court action.
63 Zoning Ciassificntion: Residential
64 Buyer Inhia�: ASR Page 3 of 11 Seller Initialt\,)(-.L,._
Revised 9113
gra oedvt),i*Farm bytpt.vdk 16010Fifteen Milo Road.Frean.Mk),gan A80M y xft mv.am Harries.Rita
65 7. FIXTURES AND PERSONAL PROPERTY(7-10)
66 (.A) INCLUDED in this sal. are all existing items permanently installed in the Property. free of liens, mid other itcis including
67 plumbing; beating; radiator cuvmrs: lighting fixzures (including chandeliers and ceiling tans); pool and spa equipment (including
63 covers and cleaning equiomcni): electric animal fencing systems (excluding coilars); garage door openers and Transmitters; rcle-
69 vision antennas: unposed shrubbery, plantings and trees; any remaining hearing and cooking heels stored on the Property at the
7o time of statement; smoke detectors and carbon monoxide detectors; sump pumps: storage sheds; fences: mailboxes; wall to wall
71 carpeting: existing window scions, storm windows and screen/storm doors; window covering hardware, shades mad blinds:
72 awnings: built-in air conditioners; built-in appliances; the.W-eloven, unless otherwise stated: and. if owned. water treatment sys-
7.11 tams.propane Links.satellite dishes ui snuff my*sicms.Also ine(ut[5 : existing Refrigerator.Clothes
74 Washer,Dehumidifier,CYtrtain s S rods,sheers,swags,drapery
75 fR) the follmvmg items errs LEASED (not owned by Sella). Conlwl The providaNcodor flu' more information (c g. water iremment
76 s•stems propane tanks,satellite dishes%and security systems):
77 (C) EXCLUDED fixtures and items:
7fi
79 8. MORTGAGE CONTINGENCY(1-10)
80 ❑ W,AIVFD. This sale is NOT contingent on montage financing, although Buyer may obtain mortgage financing and/or the par-
s) ties may includean appraisal eomingency.
82 ® ELECTED.
83 (A) This sale is contingent upon Buyer obtaining mortgage financing according to the following terms:
84 First Mortgage on the Property Second Mortgage on the Property
S5 LoamAmmunl b 958 of the Purchase Price LoonAmounl S
86 Minimum Term 30 ,years Minimum Term years
S7 Type of mortgage Conventional Type of mongogc
Ss Lean-To-VRJuC(I.TV)ratio: Loan-To-Valuc(L7'V)ratio:
89 For non-FH.A/VA Ioans'LTV ratio not to exceed 95.000 % For non-FHAtVA loans LTV ratio not to exceed %
90 Mortgegelcnder Wells Fargo Home Mortgage Mortgage lender
93 Interest rate 4.625 %;however,Buyer agrees to accept the Interest rate %:however,Buyer agrees to accept the
93 interest rate as may be committed by the mortgage )ender, not interest rate as may be committed by the mortgage)ender,not to
94 (u eecu;d a maximum inttaust rvieof 4.,750 %r exceed a maximum fiaeo a rate of %>
05 Discount points. loan origination, loon P12mmmi and other fees Discount points, loon origination, loan placement and other fees
06 charged by the lender as a percentage of.the mortgage'loan("elud- charged by die lender as a percentage of the mortgage loan(exchtd-
97 ing any mortgage insuranbe premiums or VA funding fee) not to ing any mortgage insurance praiduns or VA funding fee)not to
98 exceed 0,1,(0%if not specified)of the mortgage loan. I I exceed %(0%if not specified)of the mortgage loan.
99 (B) The interest ratc(s) mid fo$s) provisions in Paragraph 8(A) are satisfied if the mortgage lenders) gives Buyer the right to guar=
too minx• the inter= mte(s) and fm(s) at or below the maximum levels stated. IF lenders)gives Buyer the right to lock in die inter-
. IOI esl rate(s),Buyers will do so at least is 'days before Settlement Date.Buycr gives Sellerihc right,at Seller's sole option and
102 as pcmtittod by haw mid the mongagn lcndcr(s). to contribute.financially, without promise of reimbursement to the Buyer and/or
103 the mortgage:lenda(s)to make the abavc mortgage tan(s)available to Buyer.
104 (C) Within days (7 if not spccsed) from the Execution Date of this Agreement Buyer will make a completed, written mort-
105 -gage cpplication (ncluding po}mcnt for and ordering of appraisal and credit reports without delay,_ at the time required by
106 lmdcr(s)) for the mortgage terms and to the mortgage Icnder(s) Identified in Paragraph 8(A), if any. otherwise to a responsible
107 mortgage lader(s)of Buyer's choice. Broker for Buyer, if any, otherwise Broker for Seller. is authorized to communicate with
108 the mortgage lender(s)to assist in the iorteage loan process,
109 (D) Buyer will be in default of this Agreement if Buyer furnishes false information to anyone concerning Buyer's financial
110 and/or employment status, rails to cooperate in good faith with processing the mortgage loan application (including delay
III of the appraisal), fails to lock In interest rate(s) is stated in Paragraph 8(B),or otherwise causes the lender to reject, refuse
112 to approve or issue a mortgage loan commitment. _
Ili (F) I. Mortgage Cummitment Datc: f)�� ['�J� afj/Y .Upon receiving a mortgage commitffat,Buyer will
114 promptly deliver a copyorthc cummtmient to Sella.
115 2. If Sella does not receive a copy of the mortgage eommiTrnent(s) by the Mortgage Commitment Dale, Seiler may terminate.
116 this Agreement by written notice to.Buyer. Seller's right to terminate; continues until Buyer delivers a mortgage commitment
117 to Sella.Until Sella terminates this Agreement,Buyer is obligated to moke a good-faith effort to obtain mongagefinancing._
I t s 3, Sella may terminate this Agreement by written notice to Buyer after the Mortgage Commitment Date if The mortgage commitment:
114 a Dots not satisfy the terms of Paragraph S(A),OR
1211 h. Contains any condition not specified in this Agreement (e.g., the Buyer must settle on another property, an appraisal must
121 be received by the lender.or the mortgage commitmont is not valid through the Sealemem.Date)that is not salsfred and/or
171 removed in writing by the mortgage lender(s)within 7 DAYS after the Mortgage Commitment Date in Paragraph
123 S(E)(I). or any extension thacaf, other than those conditions That am customarily satisfied at or near settlement (e.g_
174 obtaining insurance.confirming employment).
125 d- if this Agreement is ferminated pursuant to Paragraphs 8(E)(2) or (3), or the mortgage Ioan(s) is not obtained for settlement
126 all deposit monies will be returned to Buyer according to the terns of Paragraph 23 and this Agreement will be VOID. Buyer
127 will be responsible for any costs incurred by Buyer for any inspections or cenilications obtained according to the terms of
128 this Agreement, and any cost% incurred by Buyer for: (1) Title search, title insurance and/or mechanics' lien insurance, or any
129 fee for w cellaum (21 Flood insurance, lire insurance, hturd insurance, mine subsidence insurance, or anv fee for canccl-
130 imion; ' Appraisal fees and charges paid in advance to mortgage lender(s).
I?1 Raver Initials r ASR Page 3 of 11 Seller fnhialr. )CL,
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132 (P) If the mortgage lender(s), or a property and casualty insurer providing insurance required by the mortgage lcnder(s). requires
G3 repairs to the Property,Buyer will,upon receiving the requirement%deliver a copy of the requirements to Seller.N'ilhin 5
1?4 DAPS of receiving the copy of the requirements, Scllcr will notify Buyer whether Seller will make the required repairs at Seller's
135 expense.
136 _ I. if Scllcr makes the inquired repairs to the satisfaction of the mortgage lender andlor insurer, Buyer accepts the property and
137 agrees to the RELEASE in Paragraph 25 of this Agmemenu
138 2. If Scllcr will not make the required repairs,or if Seller fails to respond within the stated time,Buyer will,within 5 -
I.9 DAYS,notify,Seller of Buyer's choice to: '
140 z Make the repaiWimprovenents at Buyer's expense, with permission and access to the Property given by Scllcr, which
1 4 1 will not be unreasonably withheld,OR
- 142 b, Terminate this Agrecnwnl by written notice to Seller, with all deposit monies returned to Buyer according to the terms of
143 Paragraph 23 of this Agreement.
144 If Buyer fails to respond within the time stated in Paragraph S(F)(2)or fails to terminate this Agreement by written notice
145 to Seller within that time.Buyer will accept the Property and agree to the RELEASE in Paragraph 25 of this Agreement.
146 FHA/VA,IF APPLICABLE
147 (G) It is expressly agreed that notwithstanding my other provisi0ns.of this contract, Buyer will not be obligated to complete the pur-
148 chase of the Property described herein or to incur any penalty by forfeitum of earnest money deposits or otherwise unless Buyer
I4o has been given, in accordance with HUD/THA or VA mquiremenL% a written statement by the Federal Housing Commissioner,
150 Veterans Administration, or a Direct Endorsenan» Lender sating forth the appraised value of the Property of not Ices than
151 b (the Purchase Prim Assailed in this Agme nent).Buyer will have tee privilege and option of
152 proceeding with consummation of the ahmmct without regard to the amount of the appraised valuation. The appraised valuation
153 is arrived at to determine the maximum mortgage the Department of Housing and Urban Development will insure. HUD does
154 not warrant the value nor the condition of the.Property. Buyer should satisfy himself/herself that the prim and condition of the
155 Property arc Acceptable.
156 \t'arningl- Section lntn of Title 18, U.S.C., Department of Housing and Urban Development and Federal Housing
157 Administration Transactions, provides, "Whoever for the purpose of. . . influencing in any wvy the action of such Department,
158 makes, pzssea uncrs or publishes any statement. lamwing the same to be raise shall he fined under this title or imprisoned not
159 more!hair two years,or both."
160 (H) U.S. Department of Housing and Urban Development (HUD) NOTICE TO PURCHASERS: Buyer's Acknowledgement
161 ❑ Buyer has received the HUD Notice 'Tor Your Protection: Get.a Home Inspection." Buyer understands the importance of
162 geeing Art independent home inspection and has thought about this before signing this Agreement. Buyer understands that
to3 FHA will not perform a home inspection nor guarantee the price or condition of the Property.
164 (1) Certification We the undersigned. Selletfs) and Buyers) party to this transaction each certify that the terms of this unimact
165 for purchase arc inic to the best of our knowledge and belief, and that any other agreement entered into by any of these parties
166 in connection with this transaction is attached to this Agreement
167 9. CHANCE IN BUYER'S FINANCIAL STATUS(3-1 i)
168 In the event of a change in Buyers,financial status affecting Buyer's ability in purchase. Buyer shall promptly notify Seller and
169 Icniler(s) to whom the Buyer submitted mortgage applit a)on, if any. A change in financial status iucludcs, but B not limited to, loss
170 or a change in employment; failure or, loss of sale of Buyers home Buyer's having incurred anew financial obligation; entry of a
171 judgment against Buyer. Buyer understands that applying for and/or incurring An additional financial obligation may .affect
172 Buyer's Ability to purdhase '
173 10.SELLER RC•PRESENTATIONS(1-10)
174 (A) Radon Testing and Remediation (Sm Notice Regarding Radon)
175 Seller has no knowledge About the pmscnce or absence of radon unless checked below:
176 ❑ 1. Sella has knowledge that the Property was tested on the dates and by the methods (e.g. charcoal canister, alpha track.
177 cteJ,which produad the results indicated below;
178 Dme Type of Test Results(p)coCuries/liner or working levels) Name ofTestng Service
179
180
181 ❑ 2. Sella has knowledge that the Property had radon removal systemis)installed zs indicated below: .
is, Date Installed Type of System Provider
183
184
185 Copies of all available tut reports will be delivered to Buyer with this Agreement. Seller does not warrant the meth-
186 ods or the results of radon tests.
187 (B) Status ofWater .
188 Seller mpresentss that the Property is served by:
189 ® Public Water ❑ Community Water ❑ On-site Water ❑ None ❑ -
190 (C) Status of Sewer
191 Seller represents that the Property is served by:
192 ® Public Sewer ❑ Community Sewage Disposal System ❑ Ten-Acre Pennit Exemption(sec Sewage Notice 2)
193 ❑ Individual On-lot Sewage Disposal System(sec Sewage Notice 1) ❑ Holding Tank(see Sewage Notice 3)
104 ❑ Individual On-lot Sewage Disposal System in Proximityto Well(see Sewage Notice I;see Sewage Notice 4,if applicable)
195 ❑ None(sce ewage Notice 1) ❑ None AvailablefPormit Limitations in Effect(sce Sewage Notice 5)
196 ❑
197 Buyer Initia ASR Page 4 or 11 Shccrinitials: ,W_
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'98 (D) Historic Preservation
199 Seller is not nwarc of historic preservation restrictions regarding the Property,unless othensisc stated here:
200
201 (E) ❑ Property, 0,a"portion of it is preferentially assessed for tax pumoses under the following Act(s) (see Notices Regarding Land
202 Use ResiriGlOns):
'1-0.11 ❑ Farmland and Forest Lad.Assessment Act(Cleat and Green Progam;Act 319 of 1 974;72 P.S. §5490.1 a seq.)
204 ❑ Open Space Act(Act 442 of 1967;32 P.S.§5001 nL seq.)
205 ❑ Agricultural Arco Security Law(Act 43 of 1981:3 P.S.§901 et seq.)
206 ❑ Other
207 (F) Seller represents that, as of the date Seller signed this Agreement, no public improvement, condominium or home-owner associa-
208 tion assessments have.been made against the Property, which remain unpaid, and that no notice by any government or public
209 authority has been served upon Seller or anyone on Seller's behalf, including notices relating to violations of zoning, housing.
210 -building. safety or Lire ordinances that remain uncorrected, and that Seller knows of no condition that would constitute a viola- '
2211 lion of any such ordinances that remain imonrmcted.unless otherwise specified here:
212
213 (G) Sella knows olio other potential notices(Including violations)and/or assessments except as follows:
21st
215 (H) Access to a public road may require Issuance of a highway occupancy permit from die Department of Transportation.
216 11.WAIVER OF CONTINGENCIES(9-05)
217 If this .Agreement is contingent on Buyer's right to inspect and/or repair the Property, or to verify insurability, environmental
218 conditions, boundnries, certifications, zoning classification or use, or any other information regarding the Property. Buyer's
219 foliate to exercise any of Buyer's options within the times set forth in this Agreement is a WAIVER of that contingency and
220 Buyer acrepts the Property and agrees to the RELEASE in Paragraph 25 of this Agreement.
221 12. INSPECTIONS(9-13)(See Naticcs Regarding Property and Environmental Inspections)
222 (A) Rights and Responsibilities
223 1., Seller will provide access to insurers' representatives acrd; as may be required by this Agreement or by mortgage Icndcgs} to
224 surveyors,municipal officials.appraisers and inspectors.All parties and their real estate lictnsee(s)may attend wry inspections.
225 2. Buya may make a pne-ndlamaii walk-through inspection of Urc Property. Buy is right to this inspection is not waived by
226 any other provision of this Agrec ncrIt.
227 3. Seller will have heating and all utilities(including fucl(s))on for all inspections/appraisals.
328 4. All inspectors,including home inspectors,are authorized by Buyer to provide a copy of mry inspection Report to Broker for Buyer.
229 5. Seller has the right,upon request,to receive a free copy of any inspection Report from the parry for whom if was prepared.
230 (B) Buyer waives or elects at Buyer's expense to have the following inspoetioos, certifications, and investigations (referred to as
231 "Inspection-' or "Inspections") performed by professional contractors. home inspectors, engineers, architects and. other properly
232 licensed or otherwise qualified profeniunals. If the same inspector is inspecting more than one system, the inspector must com-
233 ply with the Honrc Inspection Low.(See Notice Regarding the Home Inspection Lao)
234 (C) For elected Inspection(s), Buyer will,within the Contingerfcy PcHod(s) stated in Paragraph 13(A). cpmpkte:htspections, obtain any
135 Inspection'Reports or results(referred to as"Report" or"Reports'), and accept the Property, terminate (his Agrear enC or submit a
236 Written Corrective Proposel(s)to Seller,according to the terms of Paragraph 13(B).
237 Home/Property Inspections and Environmental Hazards(mold,etc.)
239 cd Bever may wndud an inspection of the Property's structural components; roof; exterior windows and cnerior Waived
22 _doors:exterior siding,Exterior Insulation and Finish Systems,frscia,gullets and dotnspouts swimming pools,hot
240 cobs and spas;appliances;electrical systems;interior and exterior phrmhing:public selversystemr,heating and cool.
241 ing systems; water pcnctmtioii clecanmagnetic fields; wetlands mid flood plain delineation; struetu-ro square
142 foote6c:mold and other environmental hazards(e.g.,fungi,indoor air quality,asbestos, underground storage tanks,
243 etc.);and any other items Buyer may select.If Buyer eleca to have a home inspection of the Property,as defined in
244 the Home Inspection taw.the home inspection must be performed by o full member in good standing of a national
245 home inspection association,or a person supervised by a full member of a national home inspection association, in
246 accordance with the eihical standards and code of conduct or practice of that association,or by a properly licensed
247 or registered engineer or architect.(See Notice Regarding the Hame Inspection Lew)
249 Wood Infestation
249 ed Buyer may obtain a written"Wood-Despnying insect Infestation fOSpcpion Report'front an inspector certified as Waived
2 a wood-destroying pests pesticide applicator mid will deliver it and all supporting documents and drawings provid-
ed by the inspector to Seller.The Report is to be made satisfactory to and in compliance with epp]icable laws,nron-
252 gage larder requirentenLs,and/or Federal Insuring and Guaranteeing Agency requiremnlct-The Inspection is to be
253 limited to nil readily-visible and accessible areas of all structures on the Property,except fences. If the Inspection
254 reveals active infestation(s), Buyer,of Buyer's Expense,may obtain a Proposal from a wood-destroying pests pes-
2.55 0cide applicator to treat the Property.If the inspection reveals damage from active or previous infesmtion(s).Buyer
256 may ohWn u wrinen Report from a professional contractor;home inspector or structural engineer that is limited to
257 structural damage to the Property caused by wood-destroying urgatisms and a Proposal to repair the property.
258 Water Service
259 Elected Buyer may obtain an Inspection of the quality and quantity of the water system from a properly licensed or otherwise d
260 _/_qualified water/we))thing company. if and as required by the inspection company,Seller, e( Seller's expense,rd
261 locate and provide access to the on
262 (or individual)water system Seller will restore the Property to its previous con-
262 dition.at Sella's expense,prior to settlement.
r p�
263 Buyer lnilial ASR Page 5 of 11 Sella lnfrials-X�
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Pm@xc0 WL1 apFa:eTE'aY zrytoaM IBmJ FE:_rn MiH Roo4,rYaier MiQJyenddJ38 eat-.,a.,r mm Harries,Rita
261 Radon
165 ted Buvor may obtain a radon test of the Property from a certified inspector. The U.S. Environmental Protection Waived
26 '� "Agency (Ell A) advises ecometive action if the average annual exposure to radon is equal to or higher than 0.02—1—
2e working levels or 4 pieoCuics/litcr(4pCVL).
26a On-lot Sewage(if Applicable)
269 Elected Buyer may obtain an Inspection of the individual on-lot savaga disposal system from a qualified. professional d
270 _inspector. If and as requited by the inspection company, Seller,at Seller's expense, will locate, provide access t _
27t and empty the individual on-lot sewage disposal systarr. Seller will reslore the Property to its previous condition,
272 at Seller's expense. prior to settlement. See paragnsph 13(C) for more information regarding the Individual On-lot
273 Sewage Inspection Contingency. -
Property and Flood Insurance
275 ed Buyer mar determine the insurability of the Property by making application for property and casualty insurance for Waived
2 6 _the Propcm•to a responsible insurer.Broker fior Buyer.. if any otherwise Broker for Seller,may communicate with_/_
27" the insurer to assist in the insurance process. if the Property is located in a flood plain,Buyer may be required to
178 carry flood instmana at Buyer's expense•which may need to he ordered 14 days or more prior to Settlement Date.
279` Revised flood maps and changes to Federal law may substantially increase future flood insurance premiums or
280 require insurance for far formerly exempt properties. Buyer should consult with one or more flood insurance
181 agents regarding the need for flood insurance and possible premium increases.
282 Property Boundaries
183 Elected Buyer may engage the services of a surveyor,_title abstractor, or other qualified professional to assess the legal d
2sa d�oriP6011, aennn;y and location of boundarie and/or que tum of land. Most Sellers have nut had the Prope ty _
285 surveyed as it is not a requirement of property transfer in Pennsylvania.Any fences,hedges,walls and outer natural -
280 or constructed barriers may or may not represent the tore boundary lines of the Property.Any numerical represen• -
287 Cations of size of property are approximations only and may be inaccurate.
28S Deeds,Restrictions and Zoning
289' Elected Buyer may investigate casements,deed and use restrictions(including any historic preservation restrictions or nrtl(-
291) _!_ nances)that apply to the Property and review local zoning ordinances.Buyer may verify that the present use ofd • _
291 Property (such as in-law quarters, apartments, home office, day.cafe) is permitted and may elect to make the
292 Agreement contingent upon an anticipated use.Present ace: "
293 Lead-Based Paint Hazards(For Properties prior to 1978 only)
204 Elected Before Buyer is obligated to purchase a residential dwelling built priorro 1978,Buyer has the option to conduct a '
195 _i_risk assessment and/or inspection of the Property for the presence of lead-based paint and/or lead-based paint h
'--96- ards unless Buyer waives that right.Regardless of whether this inspection is elected or waived,the Residential
297 Lead-Based Paint Hazard Reduction Act requires a Seller of property built prior to 1978 to provide the
299 Buyer with an EPA-approved lead hazards information pamphlet titled Protect Y'our Family from Lead in
299 Your Home, along with a separate form, attached to this Agreement, disclosing Seller's knowledge of lead.
300 - based paint hazards and any lead-based-paint records regarding.the Property. (See Notices Regarding, _
301 Residential Lead-Based Paint hazard Reduction Act) -
302 Other
303 Elected Waived
304
305
306 The Inspections elected above do not applyto the following existing conditions and/or items:
307
ins
309 13. INSPECTION CONTINGENCY(1-10)
710 (A) The Contingency Period is _days(IQ if not specified) from the Execution Date of this Agreement for each Inspecdion elect-
31t cd in Paragraph 12(C).except the following:
312 Inspections) Contingency Period
.13 days
314 days
315
.316 days
- days
317 (B) Except. as stated in Paragraph I3(C), if the result of any Inspection elected in Paragraph 12(C) is meatisfacton to Buyer, Ruycr
318 will,within the stated Contingency Period:
30 is Accept the Property with the information stated in the Report(s)and agree to the RELEASE in Paragraph 25 of this Agreement OR
32tr ? Terminate this Agreement by written notice to Scaler, with all deposit monies returned to Buyer according to the terns of
>"_1 Paragraph 23 of this Agreement,OR -
322 3. Present the Report(s)to Seller with a Written Corrective Proposal ("Proposal")listing corrections and/or credits desired by Buyer.
323 The Proposal may. but is not required to,include the morels-)of a properly licensed or qualified professionals)to perform the car-
314 rections requested in the Proposal, provisions for payment, including retests, and o projected date for completion of the enrrec-
325 lions. Buyer agrees that Seller will not be held liable for corrections that do not comply w nh mortgage lender or f The mcntal
326 requirements if performed in a worlanwilike manner according to the terms of Buyers Proposal.
327 a. No later dwn days(5 if not specified)from the end of the Contingency Period(s).Seller will inform Buyer in writ-
328 ing that Seller will:
329 (1) Satisfy all the terms of Buyer's Proposal(s).OR
330 12 Not satisfy all the terms of Buyers Proposal(s)
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331 IIuycr Inili ASR Page 6 of 11 Seller Lnifials:�=`'f_
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Prod sdwile zpperma'by ziptoarc 18070 Fa1een Mile RO�d.FraserMiUrigen aao26 r'rw imf�'x cvm Harries,Rita
332 b. If Seller agrees to satisfy the ter s; of Buyer's Proposal, Buyer accepts die Property and agrees to the RELEASE in
333 Paragraph 25 oflhis.Agrttmient
334 e. R'ehin days(2 if not specified)of the receipt of written notilicatimh that Seller will not satisfy,all terns of Buyer's
335 Proposal. or the time sated in paragraph 13(B)(3)(a) if Seller fails to choose either option in writing. whichever occurs
336 first,Buyer trill;
337 (1)Accept the Property with the infumiation stated in die Report(s) and agree to the RELEASE, in Paragraph 25 of this
338 Agreement,OR
• 339 (2) Terminate this Agreement by written notice to Seller, with all deposit monies returned to Buyer according to the terms
340 of Paragraph 23 of this Agreement.OR
341 (3) Enter into a mutually acceptable written agreement with Seller, providing for any repairs or improvements to the
342 Property and/or any credit in Buyer at setdement as acceptable to the mortgage lender,if any.
343 If Buyer fails to respond within the time stated in Paragraph 13(B)(3)(e) or fails to terminate this Agreement by
344 written notice to Seller within that time, Buyer will accept the Property and agree to the RELEASE in Paragraph
34; 25 of this Agreement
346 (C) If a Report reveals the need to expand or replace the existing individual on-lot sewage disposal system,Seller may,within
347 days (25 if not specified)of receiving the Report,submit a Proposal to Buyer. The Proposal will include, but not be Innimd lo. thclo. Nc
348 name of the ettmpany to perform the expansion or replacement; provisions for payment including retests and a projected corn-
' plainn date fihrmmcttivc measures.Within 5 DAYS oftecciving Seller's Proposal,or if no Proposal is provided within the
50 stated time, Buyer will notify Seller in writing of Buyer's choice m:
351 L Agroeto the terms of the Proposal,accept the Property and a_rce to the RELEASE in Paragraph 25 of ibis Agreement,OR
351 2. Terminate: this Agreement by %wines notice to Seller, with all deposit monies returned to Buyer according to the terms of
353 Paragraph 23 of this Agreement,OR -
354 3. Accept the Property and the existing system and agree to the RELEASE in Paragraph 25 of this Agreement If required by any
355 mortgage lender and/or any govemtirental authority, Buyer will correct the defects befnm scttloment or within die time required
356 by die mortgage lender and/or governmental authority, at Buyer's sole expense,with permission and access to the Property given
357 by Seller,which may not be unreasonably withheld. If Seller denies Buyer permission and/or access to correct the defects,Buyer
35R ma-v,within 5 DAYS of Sellers denial,terminate this Agrecinnu by written notice to Seller,with all dcpositmonics resumed
359 to Buyer according to dictates of Paragraph 23 of this Agmcmcnt
360 If Buyer fails to respond within the time stated in Paragraph 13(C) or fails to terminate this Agreement by written notice
361 to Seller within that time.Buyer will accept the Property and agree to the RELEASE in Paragreph.25 of this Agreement.
362 14:NOTICES,ASSESSMENTS AND MUNICIPAL REQUfRr-A1ENTS(1-10)
363 (A) In the event any notice, including viotmions, and/or assessiumits are received after Seller has signed this Agreement and before
364 seBlemmat Seller will within 5 DAYS of receiving the notices and/or assessments provide a copy of the notices and/or assess-
365 merits m Buyer and will notify Buyer in writing that Seller will:
366 1. Fully comply with the notices and/or assessments, at Seller's expense- before settlement. If Seller fully complies with the
367 notices and/or assessments Buyer accepts the Property and aerces to the RELEASE in Paragraph 25 of this Agreement OR
363 2. Not comply with the notices and/or assessments. If Seller chooses not to comply with the notices and/or assessments, or fails
369 within the stated thieve notify Buyer whether Seller will comply,Buyer will notify Seller in writing within 5 DAYS
370 that Buyawill: - -
371 a. Comply with the notices and/or at momenta at Buyers expcise, accept the Property, and agree to the RELEASE in
372 Paragraph 25 ofthis Agreement,OR
373 b. Terminate: this Agreement by written notice to Seller, with all deposit monies returned to Buyer according to the terms of
374 Paragraph 23 of this Agreement.
375 If Buyer fails to respond within the time stated in Paragraph 14(A)(2)or fails to terminate this Agreement by written notice
376 to Seller within that time,Buyer will accept the Property and agree to the RELEASE in Paragraph 25 of this Agreement
377 (13) if required by lac•,within . .30 DAYS liom the Execution Date of this Agmemcnt,Tint in no case later than I S' DAYS prior to
778 Settlement Daic, Seller swill order air Seller's expense a certification from the appropriate municipal departmeniselosing notice
379 of wry uncorrected violations or inning housing building,safety or firci ordinances and/or a certificate permitting occupancy of the
380 Property. If Buyer receives a entice of any required repairs/improvemcntc,Buyer will promptly deliver a copy of the notice to Seller.
381 1. Within 5 DAYS of receiving notice from die'municipality that repairsrimprovzmctwt are•required,Sella will deliver a
381 copy of the notim to Buyer and notify Buyer in writing that Sellerwill:
383 a. - Make the required rtpairshmprovemars to the satisfaction of the municipality. If Seller makes the required
384 repairsfimprovcments,Buyer nccepts the Property and agrees to the RELEASE in Paragraph 25 of this Agreement.OR
385 .b. Not make the required n:Tairsfimprovements. Ir Seller chooses not to make the required repairs/improvements, Buyer will
386 notify Seller in wailing within -5 DAYS that Buyer will:
387 (1) Make the repairsrimprovements at Buyer's expense, with permission and access to the Property given by Seller, which
388 will not be unreasonably withheld.OR
389 (2) Terminate this Agreement by written notice to Seller,with all deposit monies returned to Buyer according to the tams
390 of Paragraph 23 of this Agrmncm.
391 If Buyer fails to respond within the time stated in Paragraph 1411)(1)(b) or fails to terminate this Agreement by
392 written notice to Seller within that time, Buyer will accept the Property and agree to the RELEASE in Pnragrapb
393 25 of this Agreement, and Buyer accepts the responsibility to perform the repairs/improvements according to the
344 terms of the notice provided by the municipality.
395 2. If Seller denies Buyer permission to snake the required repairs/improvements, or does not provide Buyer access before
396 Settlement Date to make the required rcpNrstimprovements.Buyer may,within 5 DAYS,terminate this Agreement by
397 wriren notice to Seller,with all deposit monies returned to Buyer according to the leans of Paragraph 23 of this Agreement
799 3. will rocunen6 ere required and Salle fails ro provide a copy of the notice to Buyer as required in his Paragraph,Sella
399 will Drat all rcieurs unprovements as required by die notice at Seller's expense.Paragraph 14(B)(3)will survive settlement.
400 Buyer tnitia ASR Page?of I l Selicr Initials:
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P,py,m„va3,zl�FOr-rD er tiptoak 19ar0 FI,•,oe,IAib am4,Four,Nc�iam,�eaLG rvmv_�I�ok¢m
Harries,Riles
401 15. CONDOM INIUNUPLANNED COMMUNITY(HOMEOWNER ASSOCIATIONS)RESALE NOTICE(1-10)
402 Property is NOT a Condominium or pan of a Planned Communit)unless checked below.
403 ❑ CONDOMINIUM. The Property, is a unit of a condominium that is primarily rum by a unit o%vner5' association. Section 3407 of the
404 Uniform Condominium Act of Pennsylvania (see Notice Regarding Condnminiruns and Planned Communities) requires Seller to
405 hlmish BuNu with a Certificate of Resale and copies of the condominium declaration (outer than plats and plans), the bylaws and
406 the rules and regulations of the association.
407 ❑ PLANNED COMMUNITY (HOMEOWNER ASSOCIATION). The Property is part of a planned community as defined by the
408 Unifunu Planned Community .Act (see Notice Regarding Condominiums and Planned Communities). Section 5407(a) of the Act
409 requires Seller to furnish Buyer with a copy of the Declaration (other than plats and plans), the b;laws, the rules mid regulations
410 of the LcociatioL and a Certificate containing the provisions set forth in section 5407(x)of the Act.
411 TH E FOLLOWING APPLIES TO PROPERTIES THAT ARE PART OF.A CONDOMINIUM,OR A PLANNED COMMUNITY.
412 (A) Within 15 DAYS from the Execution Date of this Agreentelt Seller.at Sellers expense.will request ifom The association a
413 Certificate of Resale and any other documents necessary to enable Seller to comply %With the relevant Act, The Act provides that
414 the association is required to provide these documents Within 10 days of Seller's request.
415 (B) Seller will promptly deliver to Buyer all documents received from the association. Under the Act, Seller is not liable to Buyer for
416 the failure of the association to provide the Certificate in a timely manner or for any inconrecl information provided by The assn-
317 ciation in the Cortificam.
419 (C) The Act provides that Buyer may declare this Agreement VOID at any time before Buyer receives the association documents and
419 for 5 days after receipt, OR until settlement, whichever occurs first. Buyer's notice to Seller must be in wr iting; upon Buyer
420 declaring this Agreement void, all deposit monies will be returned to Buyer according to the terms of Paragraph 23 of this
421 Agreement.
422 (D) If the association bas the right to buy the Properly (right of first refusal), and the association exercises that right, Seller will reim-
4L't bmsc Buyer for any costs incurred by Buyer for any inspectioi or certifications obtained according to the terns of the Agreement.
424 and any costs incurred by Buyer for; (1)Title search, title insurance midlor mechanics' lien insurance, or any fee for cancellation;
435 2) Flood insurance, fire insurance, hazard insurance, mine subsidence insurance, or any fee for cancellation; (3) Appraisal fees
426 and charges paid in advance to mortgage lender.. .
427 16. TITLES,SURVEYS AND COSTS(1-12)
428 (A) The Property will be conveyed with good mid marketable title that is insurable by a reputable title insurance conipmry at the reg-
429 Our rates, free and clear of all liens, encumbrances, and casements, excepting,however the following: existing deed restrictions;
430 historic preservation restrictions or ordinances; building restrictions: ordnnanccs; castanent5 of roads; easements visible upon the
431 ground;easements of record:and privileges or rights of public service companies.if any.
432 (R) Buyer v,•ill pay for the following: (1) Title search, dale insurance and/or mechanics lien inBwauce, or any fee for cancellation;
433 (2) Flood insurarnc, fire insurance, hazard insurance, mine subsidence insurance, or any fee for cancellation; (3) Appraisal foes
434 mid charges paid in advance to mortgage lender(4)Buyer's eustanuan,settlement costs and accruals.
435 (C) Any survey or surveys required by the title insurance company or the abstracting company for preparing an adequate legal
436 description of the Property (or the correction thereof) will be obtained and paid for by Seller. Any surrey or surveys desired by
437 Buyer or required by the mortgage lender will be obtained and paid for by Buyer. -
438 (1)) If Seller is unable to give good end marketable title that is insurable by a reputable title insurance company at the regular rates, as
439 specified in Paragraph 16(A), Buyer may terminate this Agreement by written notice to Seller, with all deposit monies returned to
440 Buyer according to the is= of Paagraph 23 of this Agreement Upon termination, Seller will reimburse Buyer for any costs
441 incurred by Buyer for any inspections or certifications obtained according to the Terms of this Agreement, and for those items spec-
442 if led in Paragraph 16(B)items(1),(2),(3)and in Paragraph 16(C).
443 (E) Oil, gag, minem[, or other rig
Jits of this Property may have been previously conveyed or leased, and Sellers make no representa-
444 Lion about the status of those rights unless indicated elsewhere in this Agreement.
445 ❑ Oil,Gas and Mineral Rights Addendum(PAR Form OGM)is attached.
446 (F) COAL NOTICE(Where Applicable)
447 TT415 DOCUMENT MAY NOT Sti I, CONVEY,TRANSFER.INCLUDE OR TNSURE THE TOLE TO THE COAL AND WORTS OP SUPPORT UNDERNCA7H
,149 THE SURFACE LAND DESCRIBED OR R,EPERR£D TO HEREIN,AND THG OWNER OR OWNERS OF SUCH MAL MAY HAVE THE COMPLITTE LEGAL
449 RIGHT TO RE40VE ALL SUCH COAL AND M THAT CONNECTION, DAMAGE MAY RESULT TO THE SURFACE OF TNT. LAND AND ANY HOUSE
490 BUILDING OR OTIiER STRUCTURE ON OR IN SUCH LAND. (This notice is.set forth in the manner provided in Section I of the Act of
451 Jul),- 17, 1957, P.L. 984.) "Buyer acknowledges that he may not be obtaining the right of protection against subsidence resulting
452 from coal mining operations, and that the prop",described herein may be protected from damage due no mine subsidence by a,
453 private contract with the owners of the eemmmie interests in the coal. This neknowlcdganent is made for the purpose of earn-
454 plying with the provisions of Section 14 or the Bituminous Mine Subsidence and the Land Conservation .Act of April 27, 1966."
455 Buyer agrees to sign the deed from Seller which deed will contain the aforesaid provision.
456 (Cr) The Property is not a"recreational cabin' as defined in the Pennsylvania Construction Code Act unless otherwise stated here (see
457 Notice Regarding Recreational Cabins):
458 (13) This property is not subject to a Private"rimester Fee Obligation unless otherwise stated here(see Notice Regarding Private Transfer
459 Fees):
460 ❑ Private Transfer Fee Addendum (PAR Form PTF)is attached.
461 17. h4.A INTENANCE AND RISK OF LOSS(1-10)
462 tA) Seller will maintain the Property, grounds, fixtures and personal property specifically listed in this Agreement in its present con-
463 dition.normal wear and tear excepted.
464 (13) if any system or appliance included in the sale of Property fails before settlement,Seller will:
465 1. Repair or replace the failed system or appliance before settlement.OR
466 2. Provide pro tpt written notice Co Buyer of Seller's decision m:
467 L C'adit Buyer u[settlement for the fair market value of the failed system or appliance.as acceptable to the mortgage lender,
468 OR
469 Buyer Inili• .• ASR Page 8 of 11 Seller lnitialsaNC L—!
Revised 9/13
Pzetlurawn3�ilprormD q'aploais 16alo Fiaeen Mlle RCel Frier,MicM9an 33]26 waszioLmkrmv Harries,Rita
470 b. Not repair or replace the failed system or appliance, and not credit Buyer at settlement for the fair market value of the
471 failed system or appliance.
472 3, if Seiler does not repair or replace the failed system or appliance or agree to Credit Buyer for its fair market value or if Seller
47} fails to notify Buyer of Seller's choice,Buyer will notify Seller in writing within 5 DAYS or heron Settlement Date,
414 ,vt1idiuveris earlier,that Buyer will;
475 a. Aceela the Property mud agree to the RELEASE in Paragraph 25 of this Agreement OR
476 b. Terminate this Agreement by vlrinen notice to Seller, with all deposit monies retumal to Bever according to the terms of
417 Paragraph 23,ofthis Agrcenrenn
478 If Buyer fails to respond within the time stated in Paragraph 17(8)(3) or fails to terminate this Agreement by written .
470 notice to Seller within that timer Buyer will accept the Property and agree to the RELEASE In Paragraph 25 of this
490 Agreement.
481 tC) Seller bears the rise: of lose from fire or other casualties until settlement If any property included! in this sale is destroyed and not
4R2 replaced print to settlement,Buya will;
483 1. Accept the property in its then eumut Condition together with the proceeds of any insurance recovery obtainable by Seller,OR
494 2. Terminate this Agreement by written notice to Sella, with all deposit monies resumed to Buyer nocceding to the team of
483 Paragraph 23 of this Agaccmatt. - -
486 18. HOMEW.ARRANTIFS(1-1p)
487 At or before setement either party may purchase a home waranty for the Property from it third-party vendor.Buyer and Seller under-
488 stand that a home warranty for the Property does not Wier any disclosure requirement; of Seller, will not cover or Warrant any pre-
499 existing defects of die Property, and will not aher, waive or cxtend,any provisions of this Agreement regarding inspections at cenifi-
400 Cations that Buyer has elected or waived as part of this Agreement. Buyer and Seller Understand that a broker who recommends a home
491 warranty may have 0 business relationship with the home warranty company that provides a financial hcncfn to the broker.
492 I9.RECORDING(9-05)
493 This Agreement will not be recorded in the Office of the Recorder of Deeds or in any other office or place of public record. If Buyer
494 wus"or permits this Agreement tc be recorded Seller may elect to treat such net as a default orthis Agreement
495 20. ASSIGN'AfENT(1-10)
496 This Agreement is binding upon the panics, their heirs; ptmonaf roprescatatives, guardians and successors, and to the extent assign-
407 ble-.on tie &feigns of the parties hereto, Buyer will not transfer or assign this Agreement without the writien Consent of Seller unless
498 otherwise stied in this Agreement-Assignment of this Aaccmcnt may result in additional Transfer taxes.
499 27.GOVERNING LAW,VENUE AND PERSONAL JURISDICTION(9-05)
500 (A) The validity and construction of this Agreement and the rights and dudes of the parties, will be governed in accardanee with the
501 bEW4 Grille Commonwealth of Pennsylvania-
502 (13) The panics agree that any dispute, controversy or claim arising udder or in connection with this Agreement or its performance, by
303 either party submitted to a court shall be filed exclusively by and in the state or fcdcml courts sitting in the Commonwealth of
509 Pennsylvania -
505 22, REPRESEnT.9TIONS{7-10)
$06 {A) All representations, Claims. advertising, pramotioaal activdcs, brochures or plans of amp kind made by Sella, Brok6m their
507 licensees, ampinvices, officers or punmas an not a pan of this Agreement Unless expressly incorporated or stated in this
SEA Agmcment. This Agreement contains 1hr whole agreement between Seller and Buyer, and there arc no other items, obhignuons,
509 covenants, representations, statements or conditions, oral or otharwise, of any kind whatsoever concerning this said. This
$t0 Agreement will not be altered Crowded,changed a modifed except in writing executed by the parties. -
:41 (B) Unless otherwise stated in this Agreement, Buyer has inspected the Property ,(including fixtures and any persona) prap-
512 arty specifically listed herein) before signing this Agreement or has waived the right to do so, and agrees to purchase the
513 Property IN ITS PRESENT CONDITION, subject-2o inspections contingencies elected in this Agreement. Buyer acknowl-
514 -edges that Brokers, their licensees, employees, officers or partners have not made an independent examination or deter
515 mination or the structural soundness of the Property, the age or condition -of tit components, environmental Conditions,
516 the permitted uses, nor of Conditions existing in the locale where the Property is situated; nor have they made a mechab-
517 iral inspection of any of the systems contained therein.
519 (Cl Any repairs required by this Agreement will be Completed in a workmanlike entrance.
519 (D) Broica(s)have provided a may provide services to assist werpresemed panics in complyingvvith this Agreement.
520 21 DE FAULT,TERMINATION AND RETURN OF DEPOSITS(1-104
521 (A) Where Buyer mminats this AlpecmCnt pursuant to any right granted by this Agreement, Buyer will be entitled to a naur of
522 all deposit merits paid on e:count of Purchase Price pursuant to the term of paragraph 23(8), and this Agreement will be
.1 VOID. -fcnninaton of this Agreement may occur for other reasons giving rise to claims by Suva and/or Sella for the deposit
524 monies.
525 (12) Regardless of the apparent entitlement to deposit monies. Pennsylvania law does not allow a Brakes holding deposit monies to
526 determine who is entitled to the deposit monies when sgticment dos not occur.Broker can only release the deposit monies;
527 1, It'this Agreement is terminated prior to q settlement aid there is no dispute over entitlenhcnt to the deposit manics, A wrinem
528 agreemc'n signed by both panics is evidcnec that that is no dispute regarding deposit rnorties.
529 1 it:. afia Broker has received deposit monies, Broker r6oCives a written agreement that is signed by Buyer and Sella, direct-
530 ing Broker bow to distribute some or all of the deposit monies.
531 3. According to the terms of a final order orcourt,
S32 4, According to the terms of a prior written agreement between Buyer and Sella that directs the Broker how to distribute the
S33 depo}rs�•Sy�t¢Im1()VpniCS if Ebert is a dispute bti rt
vemi the parties that is not olyed,(See Paragraph 23(C))
334 Buyer Initial���R ." ASR Page 9 of 11 Scuer lnldats1:N CL-(.�-
Revised WU
a,etlucac Conti agFarrMrtatapi.sao7o Finaaa xrae Way,From.MaTpan�ro29 w.w•rk' .Mtxmm Harries,Rho
S35 (C) Buyer and Seller agree that if them is a dispute over the entitlement to deposit monies that is unresolved 30 " days after
530 the Settlement Date stated in Paragraph 4(A). or any written extensions thereof, the Broke holding the deposit monies %ill, with-
437 in 30 days of mccini or Buyer's written request. distribute the deposit monies m Buyer unless the Broker is in receipt of verifi-
533 able written notice that the dispute is iht subject of litigation. If Broker has received verifiable written notice of litigation prior
539 ur the receipt of Buyers request for distribution. Broker will continue to hold the deposit monies until reccipr of a written dinri-
540 bution Agreement between Buyer and Seller or a final court order. Buyer and Seller arc advised to initime litigation ibr any Pei
541 dun of the deposit monies prior to any distribution made by Broker pursuant to this paragraph. Buyer and Seiler agree that the
542 distribution of deposit monies based upon the passage of time does not legally determine entitlement to deposit monies, and that
543 the parl maintain their legal rights to pursue litigation even after a distribution is made. .
544 (D) Buyer and Seller agree that Broker who holds or distributes deposit monies pursuant to the Germs or Paragraph 23 or Penmylvmia
545 law will not be liable. Buyer and Seller agree that if Any Broker or affiliated licensee is named in litigation regarding deposit
546 monies•the utiomevs' tees and costs of the Brokers)and licansee(s)will be paid by the party naming them in litigation.
547 (Bh Seller has the option of retaining all sums paid by Buyer.including the deposit coon its,should Buyer:
548 I. Fail to make any additional payments as sp¢ified in Paragraph 2.OR
5,49 2. Fitmish false or incempltte information to Seller. Broker(s), or any other parry identified in this Agreement concerning
550 Buy'er's Ic&Rl or financial Status.OR
551 3. Violate orfail to fulfill and perform any otter terms or conditions of this Agreement.
552 (F) Uniess otherwise checked in Paragraph 23(G), Seller may elect to retain those sums paid by Buyer.including deposit monies:
553 I. On Garcon[of purchase price,OR -
554 2. As monies to be applied to Seller's damages.OR
Z55 3. As liquidated damages For such default. -
55b (G) M SELLER IS LIMITED TO RETAINING SUMS PAID BY BUYER,INCLUDING DEPOSIT MONIES,AS LIQUIDATED
557 DAMAGES.
558 (II) If Sella re'Alns all sums paid by Buyer, including deposit monies as liquidated damages punmunt to Paragraph 23(F) or (G).
559 Royer and Seller are r0cesed from further liability or obligation and this Agreement is VOID.
560 (1) Brokers and licensees are not responsible for unpaid deposits:
561 24. M EDIATION(1-10) '
562 .Buyer And Sclicr will-submit all disputes or claims that arise from this Agrectr ent. including disputes mid claims over deposit monies,
563 to mediation:Mediation will be conducted in =cordanee with.thc.Rules and Procedures of the Home Selleri/Hum: Buyers Dispute
364 Raulufion Sys(em, unless it is not available, in which case Buyer And Seller will mediate according to the terms of the mediation .rys-
S65 tam offered or endorsed by the local Association or REALTORSO. Mediation fees. contained in the mediator's fee schedule, will be
566 divided equally among the parties and will he paid before the mediation conference. This mediation process must be concluded before
507 - any patty to the dispute may initiate legal proceedings in any courtroom, with the exception of filing a summons if it is necessary to
568 sop any statute of limitations firom expiring. Any agracmeni reached through mediation and signed by the parties will be binding (sec
569 Notice Regarding Mediation).Any Agreement it,mediatq disputes or claims arising from this Agreement will survive sealeloWL
570 25. RELEASE(9-05)
571 Buyer rete_ases, quit claims And forever discharges SELLER, ALL, BROKERS, their LICENSEES, EMPLOYEES and any
572 OFFICER or PARTNER of Any one of them and.,any other PERSON, FIRM or CORPORATION who may be liable by or
j72 through them, from any and all claims, losses or demands," including• but not limited to, personal injury and property dam.
574 mgr and all of the consequences thereof,.whether known or not, which may arise from the presence of termites or other wood-
575 boring.insects, radon, lead-based paint harsrds, mold, fungi or indoor Air quality, environmental fisurds, any defects'in the
576. individual:on-lot sewage disposal system or deficiencies in the on-site_water service system, or any defects or conditions on the
- 577 Property. Should Sella be to default under the terms of this Agreement or is violation of any Seller disclosure law or regula-
V8 tion, this release does out deprive Buyer of Any right to pursue any remedies that may be available under law or equity. This,
579 . release will survivesettlement .
58o.26. REAL ESTATE RECOVERY FUND(9-05) .
59.1 A Real Estate Recovery Fund exists to reimburse any persons who have obtained a final civil judgment against,a Pennsylvania real
582 -estate licensee (or a licensee's 60(limas) owing to fraud. miirepresentmion, or deceit in A real estate transaction and who have been
583 unable to collect the judgment after exhausting all legal and equitable renittim Foi complete details about the Fund, cell (717) 783-
5S4 3M8 or(800)832.2113(within Pennsylvania)and(717)7831854(outside Penns)lvania).
585 27. COMMUNICATIONS W ITH BUYER AND/OR SELLER(1-10)
59b Wherever this Agreement contains a provision that requires or allows communication/delivery to a Buyer, that provision shall be satis-
587 frcd by communicmion/delivery to the Broker for Buyer, if ay. except for documents required to be delivered pursuant to
588 Paragraph 15. if there is no Brokcr for Buyer, those provisions may be satisfied.only by communication/delivery being made direct-
' 580 ly m the Buyer, unless otherwise agreed to by the panics. Wherever this Agreement contains a provision that requiires or allows com-
s9a munication/delivery to a Seller. dent.provision shall be satisfied by communication/delivery to the Broker for Seller, if any. If there is
591 no Broker for Sella-. those provisions may be suisfied only by communication/delivery being mode directly to the Seller. unless other-
592 . wise agreed to by the parties. .
593 28. SPECIAL CLAUSES(1-10)
594 (A) The following are part of this Agreement if checked:
595 ❑ Sale&Settlement of Other Property Contingency Addendum(PAR Form SSP)
596 ❑ Sale& Settlement of Other Property Contingency with Right to Continue Marketing Addenda:i(PAR Form SSP-CM)
597 ❑ Settlement of Other Property Contingency Addendum(PAR Form SOP) .-
598 ❑ Short Sale Addendum to Agreement of Sale(PAR Form SHS)
599 ® Appraisal Contingency Addendum(PAR Fortes ACA)
600 ❑
601 ❑
602 ❑
603 Royer hat ASR Page 10 of t l Seller Initials: U-4-__
Revised 9113
FnodwrrraPFO PyripLCau 1877aRIA Mill Rood.Frollc M'Gi,48a26 > ziolr6yssp-„ Harries,Rita
DocuSign Envelope ID:EBF39F82-AF89-4C22-A34F-0732AAtCB8EA
6ea (R) AddifiOnel Tess: Seller to alZlboge e Fist A3ue=zcas Some tFatx Ta, wil3v kitchen
605 Refria for Co9ei'a tc coavep trn.,lakyer e't SittlaMt=t'VfttW cme S' of 7iv._7ar
606 coverage. S:+ittaxity cost estdm tod $4V55 GOD.
60s prru oG 6 `7-A sell, .: y aye T
Aio
b
�, . �f� wsu, z , �s�� A.rr�u�r
61:
2.%o W
r.
1)4-
616 ee 4,6 keep
621) s-ecjcr--�O eonifey O bud rl!L (nJci � (r ►1 oo rear- decK? y e.
621 621 Bwer and Se£ter3alaowkdge reetipvefa copy uFfhss-Agieameate ttv('e of uggira&
.622 This kgreaeocai m9y be eseeuted'in-cat or'awre iamffb r-parts: tail-of-'wbico stmt be, is"-to he.m*tie 1 amd:vmih tCUs
.623 terpsmlagedter sbaB cffl we omb'ena','+Le.sam!"hgreamedf b€ t Par'ths..
VA NOME TO PkATIFS: WHEN SIG'NMD, THIS AGREEMB;`iT 15 A BINDING tJ6i"CRkC�`;P'sspe&'en tWm trhsW(ki Ore'
62; advised to consutra4moiyivstFa reeI estAte attorney befari5 kigniag-irthey dairl IepWvim
526 Resurn of this A .. .
greemefr%,.stM..an7'sdilpwAB susY'atnerrdmesbi 1SCtad£irg YetnTlt b}';e$rk[ehie�'£rapamti!oa.. s1P r emftmed
6?% aixBper6w.e Mt0ft oteep'lnxte't YA'te.pmiizt
8 5P.M Tim ravij4edtile consumer Nolace mssdop"a tiR,.2Jie$}YCE"R'eal Fsmsi. n:?TY9'Pa: .
629 X35335. - -
630 _1_ Buyer has re ce iveda staunuephdfBuver:s.cskimated.dlo5iry ar,'ffi heSorl,.digs£sg, is Agretmeox:
'I ,_,__/_ Bayer'has,raad�and uodersfa'sdsiNtrot£tesand!%pianatay.:m{ornctbxt.In lliSs:Agrexlrywi.
32 _, Sager has'rerttvaii s Seller's Property Distlosac! S[atedieat blfer0 sig,. ffsia Agrocm'saG."if'f:tq's+imd by 99`v
653
(sot list'ut'matioa:RegsrdineYhe.Rlml,£state.Selkr TJvtelcsur�taw}, .
614 3 Buyer has reaeFVell tle Dep!)s{t fW'oru:y Notio6.(tar"toeycemtWe sales.when.Stoker for'l340r Is'h�dt@fnS:dtl Dwa
6.5 —_ mosey)bMnstaingt§4SAgeezntnL
Q6 ,_T:,__ Buyer b» received'tbe.' ,: Paint Bazows b4aamn'e; which is stb,6he3"Vo this A&&T--sit,of i%- 4 4gtt:
617 thc.pdmPNlat Protest Yoar: s+afly frwa Leld Po'4'eur l640eQi6r pf'6 �reli'�ilsikprioritS£3B}'
0
'Eis BUYER, - DAT'E'
63a BU'Y-ER DATE _
640 BUYER
Ea l" Seller la's regeivedawCopsnmer$!h',tice as adepivel by th.-R selilWC—'1uft Cmresf%Ctosi a249iP.m CoOfWAM'
612 Seikr @asreceiveA xdlbumaa4.otSNier`ses6nwl ede£ds£qs=ensts frCBiCe.eiawirar:ffiFS'itgpbgomi:
643 Semi hls!�d'aad umcwkasds.tbinu ice¢sua-eYplmalory'r>formsttbs;iatb£s:4nreemeht
6a SELLER k.. 1 � � " — is r8 a Bate xl&w ea `
-
nay SELLER DATE.
640 SELLER r^`.... . PATE
ASR Page 7 6nLi'i
R r,d 9113
Pmius$wW+.4,F 9 farm;WW 480'5 Y. 'Mtn I!�o i{ Rita
+ Dv.e c-&I
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014 6
OMB Approval No.2502-0265
A. Settlement Statement (HUD-1)
B.,Typd of Loan
1.❑FHA 2'❑RHS 3.El Conv.Unins. 6.File Number: 7.Loan Number: 8.Mortgage Insurance Case Number:
14012 0421890971
4.❑VA 5. X❑Conv.Ins.
C.Note:This form is tarnished to give you a statement of actual settlement casts.Amounts paid to and by the settlement agents are shown.Items marked
"(p o.c)"were paid outside the closing;they are shown here for informational purposes and are not included in the totals.
D.Name&Address of Borrower: E.Name&Address of Seller: F.Name&Address of Lender:
Rita J.Hamel Estate of Elizabeth D.Lowe Wells Fargo Bank,N.A.
637 Front Street Marysville,PA 17053 1355 Simpson Ferry Road,New Cumberland,PA 17070 2701 Wells Fargo Way,Minneapolis,MN
55467-8000
G.Property Location: H.Settlement Agent: I.Settlement Date:02/28/2014
1355 Simpson Ferry Road Keystone Land Transfer,Ltd Disbursement Date:0228/2014
New Cumberland,PA 17070 3421 Market Street,Camp Hill,PA 17011
New Cumberland Borough
717-731-4200
Place of Settlement: TitleExpress
3421 Market Street Camp Hill,PA 17011 Printed 02/28/2014 at 10:10 am
by KS
100. Gross Amount Due from Borrower 400. Gross Amount Due to Seller
101. Contract sales price 108,000.00 401. Contract sales price 108,000 00
102. Personal property 402. Personal property
103. Settlement charges to borrower(line 1400) 5,89333 401
104, 404,
105. 405.
Adjustments for items paid by seller in advance Adjustments for Hems paid by seller in advance
106. Cityltown taxes to 406. Cityltown taxes to
107. County taxes to 407. County taxes to
108. School Tax 0212812014 to 0613012014 396.45 408, School Tax 02/2812014 to 0613012014 396.45
109. Trash 02/2812014 to 0313112014 13.72 409, Trash 022812014 to 0313112014 13,72
110. 410.
111. 411.
112. 412.
120, Gross Amount Due from Borrower 114,303.50 420, Gross Amount Due to Seller 108,410.17
200. Amounts Paid by or In Behalf of Borrower 500. Reductions In Amount Due to Seller
201 Deposit or earnest money 3,000.00 501. Excess deposit(see instmctions)
202. Principal amount of new loans) 102,600.00 502. Settlement charges to seller(line 1400) 8,525.34
203. Existing loos taken sub act to 503. Existing loos taken subject to
204. 504. Payoff of first mortgage loan
205. 505. Payoff of second mortgage loan
206. Seller Assist 3,240.00 506, Seller Assist 3,24000
207. 507,
20& 508.
209, 509.
Adjustments for items unpaid b seller Adjustments for items unpaid by seller
210. Cityltown taxes to 510. Cityltown taxes to
211. County taxes 011012014 to 0212812014 131,05 51i. County taxes 01/0112014 to 02/2812014 131.05
212. School Tax to 512. School Tax to
213. Sewer 111-2128 49.39 513. Sewer 111-2/28 49.39
214, 514,
215, 515.
216. 516.
217, 517.
218, 518.
219. 519.
220. Total Paid bylfor Borrower 109,020.44 520. Total Reduction Amount Due Seller 11,94578
300. Cash at Settlement fromlto Borrower 600. Cash at Settlement tolfrom Seller
301. Gross amount due from borrower(line 120) 114,30150 601. Gross amount due to seller(line 420) 108,410.17
302. Less amounts paid byRor borrower(line 220) 109,020 44 602. Less reductions in amount due seller(line 520) 11,945.78
303. Cash ❑x From ❑ To Borrower 5,283.06 603. Cash ❑X To ❑ From Seller 96,464.39
i'�„pa'�:��„e�nv�ma oMaw)I,�i��me�`�rti.`,�mo�n.iuy i:,ss�e.ui:eiaio:„re:�mo,am�°hn�:ne�m�mm�o:,ee ina p.maio:ASSrn�o.oa�e v:�:anw�:,un����avo a��`s�n�"
Previous editions are obsolete Page 1-.f4 HUD-1
700. Total Real Estate Broker Fees $6.285.60 Paid From I Paid From
Division of commission(line 700 as follows: Borrowers Seller's
701. $3,142.80 to RefMax Really Associates,Inc. Funds at Funds at
702. S3,142.80 to M.C.Walker Realty Settlement Settlement
703. Commission paid at settlement 6,285.60
704. Broker Fee 10 ReiMax Really Associates.Inc. 395.00
800. items Payable In Connection With Loan
801. Ourodginationcharga (Induces Origination Point 0.000%or$0.00) $895.00 (from GFE 51)
802. Your credit or charge(points)for the specific interest rate chosen S (from GFE 42)
803. Your adjusted origination charges (from GFE A) 895.00
804. Appraisal fee to Rels Valuation $410.66 P.O.C.B'(from GFE 53) 41.66
805. Credit repot to CoTeLogic Credw,LLC $11.00 P.O.C.B'Prom GFE 53)
806. Tax service to from GFE 53
807. Flood ceitiliation to from GFE 53
8D8. to
900. Items Required by Lender to be Paid In Advance
901. Daily interest charges from tram GMBM14 to 031012014 @$14.050pfday (tram GFE 510) 14.05
902. Mort a e insurance premium months to from GFE 53
903. Homeowners insurance fart yearstoErielirsurance (from GFE 511) 441.00
904. months to from GFE 511
1000. Reserves Deposited WIth Lender
1001. Initial deposit fa your escrow acmunl (tram GFE 59) 565.94
1DD2.Homeovmefs insurance 3 months S 36.75fmonth $110.25
1003.Mortgage insuranxe - months 0$ /month
1004. Property taxes months .S /month
1005.County taxes 2 months fib,$ 68.72/month $137.44
1006.School Tax 9 months $ 98.04/month $882.36
tOD7.Aggregate Adjustment 5564.11
1100.Title Charges
1101.Title services and lenders title insurance from GFE 54 1.247.00
1102. Settlement or dosing fee to $
1103. Owners titre insurance-First Amerken Title Insurance Company S from GFE 55 25.00
1104, Lenders 0tie insurance-First American Title Insurance Company $1,140.00
1105.Lenders of policy limit$102,600.00 Lenders Policy
1106.Ovmefs We policy timi15108,000.00 Owners Policy
1107.Agent's portion of the total lille insurarroe premium $926.50
to Keystone Land Transfer,Ltd '
1108.Underwriters portion of the total title Insurance premium $238.50
to First American Title Insurance Company
1109.
1110, Notary Fee to Kristen D.Shive 10.00
1111. Tax Certification Fee to Keystone land Transfer,Lb - 10.00
1200.Govemment Recording and Transfer Charges
1201.Government recording charges S (from GFE 47) 162.00
1202. Deed$67.00 mortgage$95.00 Release$
1203.Transfer taxes S (from GFE R8) 1,080.00
1204.City/Camty taxistamps Deed$1,080.00 Mortgage$
1205.Slate Tax/stamps Deed$1,0110.00 Mortgage$ 1,080.00
1206. Deed$ Mortgages -
1300.Additional Settlement Charges
1301.Required services that you can shop for (tram GFE W) 119.00
1302. to
1303. to
1304.Tax Service Fee to WF RE Tax $100.00
1305.Flood Life of Loan Fee to WF FLood Services $19.00
1306.Pest Control to Ulan Pest Control 609.50
1307.Sewer 1011-12/31 to New Cumberland Borough 76.64
1308.Trash 111-3131 to New Cumberland Boronh 38.
1309. ;NN Won to First American Home Buyers Pmtedion Co 415.
1310.2014 CountylTownship to Robin Gasperetti I 550.00
5,893.33 1 8,525.34
'Paid outside of closing by(B)omower`(S)eller,(L)ender'(I)nvestor,Bro(K)er."Credit by lender shown on page 1."'Credit by seller shown on page 1.
Previous editions are obsolete Page 2 of 4 HUD-1
Comparison of Good Faith Estimate(GFE and HUD-I Char es Good Faith Estimate HUD-1
Charges That Cannot Increase HUD-1 Line Number
Our origination charge - # 601 895.00 895.00
Your credit or charge(points)for the specific interest rate chosen # 802 - 0.00 000
Your adjusted origination charges # 803 895.00 89500
Transfer taxes # 1203 2,19800 1,080.00
Charges That in Total Cannot Increase More Than 1064. Good Faith Estimate HUD-1
Government recording charges #.1201 19000 162.00
Appraisal fee # 804 41000 410.00
Credit report # 805 11.66 11.00
Tax Service Fee # 1304. 10000 100.00
Flood Life of Loan Fee # 1305 19,00 19.00
#
#
q
73066 702.00
Increase r $ -28.66 or -3.9225%
Charges That Can Change Good Faith Estimate HU61
Initial deposit for your escrow account - q'10 0 1 �1 583.32 565.94
Daily interest charges from 0 901 $14.0500Ida 252.90 14.05
Homeowners insurance # 903 - 50000 - 441,001
Title services and lenders title insurance # 1101 1,068.93 1,24700
Owners lifts insurance-First American Title Insurance Company # 1103 - 10.00 25.00
#
#
Loan Terms - - -
Yourinitialloanamountis $102,600.00
Your loan tenn is 30.years. -
Your initial interest rate is 5.0000%
Your initial monthly amount owed for principal,interest,and any mortgage $55078 includes
insurance is - ❑X Principal -
X❑Interest
❑Mortgage Insurance
Can your interest rate dse? Q No ❑Yes,it can rise to a maximum of %. The first change
willbeon / / and can change again every yearsafter / I Every
change date,your interest rate can increase or decrease by %. Overthelifecf
the loan,your interest rate is guaranteed to never be lower than %or higher
than %.
Even H you make payments on lime,can your loan balance rise? ❑X No. ❑Yes,it can rise to a maximum of$
Even if you make payments on time,can your monthly amount owed for 0 No ❑Yes,the first increase can be on / / , and the monthly
principal,interest,and mortgage insurance Hse? amount owed can rise to$
The maximum it can ever rise to is$
Does your loan have a prepayment penalty? 0 No. ❑Yes,your maximum prepayment penalty is$
Does your loan have a balloon payment? - 0 No. ❑Yes,you have a balloon payment of$ due in
years on I I
Total monthly amount owed including escrow account payments ❑You do not have a monthly escrow payment for items,such as property taxes
and homeowners insurance. You must pay these items directly yourself.
. ❑X You have an additional monthly escrow payment of$203.51
that results in a total initial monthly amount owed of$754.29. This includes
principal,interest,any mortgage insurance and any items checked below.
0 Property taxes Q Homeowners insurance
❑Flood insurance ❑
❑ ❑
Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your lender.
Previous editions are obsolete Page 3 of 4 HUD-1
HUD CERTIFICATION OF BUYER AND SELLER
I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and beliefut is a true and accurate statement of all receipts and
disbursements made on my account or by me in this transaction.I further certify that I have received a copy of the HU61 Settlement Statement.
Rita J.Harries
ESTATE OF ELIZABETH D.LOWE
'i, J w C 6
Settlement Agent
The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction.I have caused orwill cause the funds to be
disbursed m accordance with this statement.
SETTL ME AGENT - DATE _
WARNING:IT IS A CRIME TO KNOWINGLY MAKE FALSE STATEMENTS TO THE UNITED STATES ON THIS ORANY SIMILAR FORM PENALTIES UPON
CONVICTION CAN INCLUDE A FINE AND IMPRISONMENT.FOR DETAILS SEE TITLE 18:U.S.CODE SECTION 1001 AND SECTION 1010.
Previous editions are obsolete Page 4 of 4 - HUD-1
Itemization of Section 200 Credits
Name of Burrower Name of Seller: File Number:
Prepared 02/2812014 at 10:10 am
Note:This page displays an itemization of the credits shown in section 200 of the HUD-1 Settlement Statement.This page
accompanies but is not a part of the HUD-1 Settlement Statement.If a discrepancy exists,the information on the HUD-1 Settlement
Statement applies.
Credits Credit
Itemization of Your Loan Origination Charges
- Name of Borrower: Name of Seller: File Number:
Rita J.Harries Estate of Elizabeth D.Lowe 14012
Prepared 0212812014 at 10.10 am- -
Note:This page displays an itemization of the adjusted origination charges shown in section 800 of the HUD-1 Settlement Statemen
This page accompanies but is not a part of the HUD-1 Settlement Statement.If a discrepancy exists,the information on the HUD-1
Settlement Statement applies.
Your Loan Origination Charges - Borrower Seller
801. Our odginalion charge (Includes Origination Point 0.000%or$040)
to $ 000
Origination Fee to Wells Faro Bank,N.A. $ 89500
802. Your credit or charge(points)for the specific interest rate chosen
to $ 0.00
803. Your adjusted origination charges 895 00 0.00
Itemization of Line 1101
Name of Borrower Name of Seller: File Number'.
Rita J.Harries Estate of Elizabeth D.Lowe 14012
Prepared 0212812014 at 10:10 am
Note:This page displays an Itemization of the charges shown on line 1101 of the HUD-1 Settlement Statement.This�page accompanies but is not a part of the HUD-1 Settlement Statement.If a discrepancy exists,the information on the H
Statement applies.
1100.Title Charges Total Charge Borrower Seller
1101.Title services and lender's title insurance to
Wire In Fee to Keystone Land Transfer,Ltd $ 12.00 12.00
Overnight Delivery Fee-Package to Keystone Land Transfer,Ltd $ 25.00 25.00
Email\ oc Copy Fee to Keystone Land Transfer,Ltd $ 35.00 35.00
Notary Fee to Kristen D.Shive $ 35.00 35.00
1102.Settlement or closing fee to $ 0.00
1104.Lenders title insurance-First American Tit to First American Title Insurance Ci$ 1,140.00 1,140.00
Totals: $ 1,247.00 0.001 1,247.00 0.00
SellerfLender credits shown on page 1 POC=Paid Outside Closing CR=Lender Credit
Previous editions are obsolete Page 1 of 1 HUD-1
Tax Parcel No. 26-24-0811-002
THIS INDENTURE,
MADE THE ' day of February, two thousand four-
teen (2014)
BETWEEN WILLIAM C. LOWE, Executor of the Last Will and
Testament of ELIZABETH L. LOWE, a/k/a ELIZA-
BETH D. LOWE, a/k/a BETTY D. LOWE, late of New
Cumberland, Cumberland County, Pennsylvania,
party .of the first part,
and RITA J. HARRIES, single person, of Marysville,
Perry County, Pennsylvania, party of the
second part :
WHEREAS, the said Elizabeth L. Lowe, a/k/a Elizabeth D. Lowe, a/k/a
Betty D. Lowe by her Last Will and Testament, duly proved and
recorded in the Cumberland County Register of wills Office,
Pennsylvania, in Docket Book 21-13-0666 , Letters Testamentary being
issued on June 14 , 2013 , provided, in pertinent part , as follows :
ITEM 6 : I appoint my husband, Charles W. Lowe, as
Executor of this my Last Will and Testament. Should
my husband predecease me, fail to qualify, cease to
act or renounce probate, I then appoint my son,
William C. Lowe, as alternate Executor of this my Last
Will and Testament .
ITEM 7 : I direct that my Executor, guardian or their
successors shall not be required to give bond for the
faithful performance of their duties in any
jurisdiction.
NOW THIS INDENTURE WITNESSETH, that the said party of the first
part, by virtue of the power and authority .aforesaid, in said Will
contained, and in consideration of the sum of One Hundred Eight
Thousand and 0.0/100 Dollars ($108 , 000 . 00) to her paid by the said
party of the second part, at and before the ensealing and delivery
of these presents, the receipt whereof is hereby acknowledged, has
granted, bargained, sold and conveyed, and does hereby grant,
bargain, sell and convey to the said party of the second part, her
heirs and assigns forever:
ALL THAT CERTAIN lot of land situate in the Borough of New
Cumberland, Cumberland County, Pennsylvania, bounded and described
as follows, to wit :
BEGINNING at a point on the North side of Simpson Ferry Road (60
feet wide) said point being one and ninety-eight one-hundredths
(1 . 98) feet measured along Simpson Ferry road from the dividing
line between Lot Nos . 43 and 44 ; THENCE along said Simpson Ferry
Road, South 46 degrees 29 minutes West fifty-seven and twenty-five
one-hundredths (57 . 25) feet to a point .at land now or formerly of
Ed Blouch; THENCE North 42 degrees 38 minutes West along said land
now or formerly of Slouch, fifty-eight and thirty-four one-
hundredths (58 . 34 ) feet to a point; THENCE North 43 degrees 31
minutes West still along said land now or formerly of Blouch,
forty-one and sixty-seven one-hundredths (41 . 67) feet to Lot No. 42
on said Plan; THENCE North 46 degrees 29 minutes East along said
Lot No. 42 , fifty-six and thirty-five one-hundredths (56 . 35) feet
to a point; THENCE South 43 degrees 31 minutes East, one hundred
and zero one-hundredths (100 . 00) feet to the place of BEGINNING.
BEING the westerly part of Lot No . 44 on the Plan of Forrest Hills ,
as recorded in the Cumberland County Recorder' s Office in Plan Book
4 , Page 54 .
HAVING thereon erected a single brick bungalow known as 1355
Simpson Ferry Road, New Cumberland, Pennsylvania.
BEING THE SAME PREMISES WHICH Charles J. Jaffe and Mildred B .
Jaffe, his wife, by Deed dated March 3 , 1954 and recorded March 3 ,
1954 in the Office of the Recorder of Deeds of Cumberland County,
Pennsylvania in Deed Book "P" , Volume 15, Page 360, granted and
conveyed unto Charles W. Lowe, Jr. and Elizabeth L. Lowe, his wife .
The said Charles W. Lowe, Jr. died on September 19, 2001, whereupon
full and complete title to the within described real estate became
vested solely-in Elizabeth L. Lowe, surviving spouse, the decedent
herein.
TOGETHER with all and singular the rights, liberties , privileges ,
hereditainents and appurtenances whatsoever thereunto belonging or
. in anywise appertaining, and the reversions and remainders, rents ,
issues and profits thereof, and all the estate, right, title,
interest, property, claim and demand whatsoever of the said
Elizabeth L. Lowe, a/k/a Elizabeth D. Lowe, a/k/a Betty D. Lowe at
and immediately before the time of her decease, in law or equity or
otherwise howsoever, of, in, to or out of the same:
TO HAVE AND TO HOLD the said granted premises to the said party of
the second part, her heirs and assigns forever .
AND the said party of the first part, does covenant, promise, grant
and agree, to and with the said party of the second party, her
heirs and assigns, by these presents , that the said party of the
first part, has not done, committed, or knowingly or willingly
suffered to be done, any act, matter or thing whatsoever, whereby
the premises aforesaid; or any part thereof, is , are, shall or may
be charged or encumbered, in title, charge or estate, or otherwise
howsoever.
IN WITNESS WHEREOF, the said party of the first part hereunto set
her hand and seal the day and year above written.
Signed, Sealed and Delivered
in the Presence of
Estate of Elizabeth L. Lowe, a/k/a
Elizabeth D. Lowe, a/k/a Betty D . Lowe
By: �a��`' (SEAL)
WILLIAM C. lieWE, Executor
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF (. e SS .
/���
On this, the 12 Q day of February, 2014 , before me, the
undersigned officer, personally appeared William C. Lowe,
Executor of the Estate of Elizabeth L. Lowe, a/k/a Elizabeth D .
Lowe, a/k/a Betty D. Lowe, known to me (or satisfactorily proven) .
to be the person described in the foregoing instrument, and
acknowledged that he executed the same in the capacity therein
stated and for the purposes therein contained.
IN WITNESS WHEREOF, I hereunto set my hand and official
seal .
CvVV4'NEAITH_O
0 SF P!nSITWNIIA (SEAL)
�r- .• iiA,,k ,w. ar Y o N Public
o rilA
I;atary Public .
TM
CAM?My commission Expires j,m 6,2011
CERTIFICATE OF RESIDENCE
I do hereby certify that the precise residence and complete
post office address of the within named grantee is
355 �n pS-dn C-c fl� (Z ak qq-eu C,411IJak� �A
1-70-70
February 2014 �
Attorney/Agent for Grantee
Rev-1503 EX+(6.98)
SCHEDULE B
STOCKS & BONDS
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Lowe, Elizabeth L. 21-13-0666
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
ITEM CUSIP - VALUE AT DATE
NUMBER NUMBER DESCRIPTION UNIT VALUE OF DEATH
1 167 shares of Prudential Stock 68.13 11,377.71
TOTAL(Also enter on Line 2, Recapitulation) 11,377.71
(If more space is needed,additional pages of the same size)
Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule B(Rev.6-98)
Prudential Financial,.Inc. -Investor Relations - Historical Price Lookup Page 1 of 1
Prudential
Historical Price Lookup
Stock Quote I Stock Chart I Historical Price Lookup I Investment Calculator
Symbol - Closing Price $67,450
PRU(Common Stock) Volume 3,459,864
Lookup Date Split Adjustment Factor 1.0000:1
June 00502013E Open $69.090
Ilook up� Day's High $69.260
Day's Low $67.160
Actual Price $67.450
Dale Requested 06/05/13
NOTE no LMMc RiralD'aHiylt Oayb Cbv arltl Del.Volume heve Ueon.od,11tetllo sere tfrbny sroeh splitsmrb'ci ArviOenOb vhkh InBylrmre occunotl Por Mis secunlysixa Me Male shown above.The Affuo Rice
I,S not Btllu.Slbtl Nr'bph(b w'tlIVMPMS ilrb$pill Ayuslmanf FdgOr IS AGrnluletlM/ectol SrlriM ericBluvlAfP9 All.op'bb s1�rcB llle tlo1B shavSn 3UOw.
Ilre closiny price aUOVa Is im(rrtcessmly vr[IiGifivo of fi.:hne pica perM'mance.
$68.13 Median. Price
x 167.00 Shares Owned
$11,377.71 Date of Death Value
http://www.investor.prudential.com/phoenix.zhtml?c=129695&p=irol-stockLookup&t=Hi... 6/10/2013
�omputershare +
low Prudential Computershare
PO Box 43033
_ Providence,RI 02940-3033
IMPORTANT TAX RETURN DOCUMENT ENCLOSED Within USA,US territories 6 Canada 800 305 9404
Outside USA,US territories 8 Canada 732 512 3782
"'"AIJTO"5-DIGIT 17070 000437/0147840 147840 www.computershare.com/investor
II111I1III-d IIIIIIr lrll rllhrhllhnlllrlhrrlllrr4Pll11IP
Recipient
ELIZABETH L LOWE
1355 SIMPSON FERRY RD Holder Account Number
NEW CUMBERLND PA 17070-1557 00017766961 I N D
IIIfII IIIIII I II IIIIIIIIIIIII I II
Record Date Nov 20 2012
Check Number 0014902870
SSNMN Certified Yes
001 C50107.1).Lr�PGLPRU.1911143_23/147640/147840/iI
'rudential Finari'ctal, Intl. Combined Dividend Payment 12012 Tax Form 1099-D
❑ Corrected(if checked) Account Number 00017766961
Form 1099-DIV-Dividends and Distributions 2012 Copy B-For Recipient Recipient's ID No.ending in " --8137
Payer's Federal to No. 223703799
This is important tax Intonation and is being furnished to the Internal Revenue Service.if you are required to file a return,a negligence OMB No. 1545-0110
penalty or other sanction may be imposed on you if this income Is taxable and the IRS determines that it has not been reported. Department of the Treasury-lmemal Rew hus Service
Recipient ELIZABETH L LOWE
1355 SIMPSON FERRY RD
NEW CUMBERLND PA 17070-1557
to Total Ordinary tb Qualified 3 Nondividend 4 FEDERAL INCOME 6 Foreign Tax 7 FD1egn Country 8 Cash DLuidafion - Payer's Details
Dividends($) Dividends($) Distributions($) TAX WITHHELD g) Paid($) or U.S.PDSSessron Distli.($)I -
267.20 26710 0.00 0.00 0,00 PRUDENTIAL FINANCIAL INC
C/O COMPUTERSHARE
P.O.BOX 43010
PROVIDENCE RI 02940-3010
7orm 1099=DIV (Keep for your records)
Dividend Confirmation
Payment Date I Class Description Participating Dividend I Gross Deduction Deduction I Net
Shares/Units Rate Dividend($) 1 Amount($) Type Dividend($)
14 Dec 2012 COMMON 167 $1.60000 267.20 0.00 N/A 267.20
Year-To-Date Paid 267.20 . 0.00 267.20
®
4 6 U T X P R U +
:D70006/R 00RX6A-PP-(F2)
Rev-1508 EX+(11-10)
SCHEDULE E
Pennsylvania CASH, BANK DEPOSITS, & MISC.
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN PERSONAL PROPERTY
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Lowe, Elizabeth L. 21-13-0666
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly-owned with the right of survivorship must be disclosed on schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1 Loose Change 5.84
2 Members 1st Federal Credit Union-Savings Account No.358441-00. Principal balance at 5.00
date of death$5.00;accrued interest$0.00
3 Members 1st Federal Credit Union-Certificate of Deposit No.358441-43. Principal balance 23,804.69
at date of death$23,802.08;accrued interest$2.61
4 Sovereign Bank-Checking Account No. 0771040261. Principal balance at date of death 10,183.16
$10,183.09;accrued interest$0.07
5 Sovereign Bank-Money Market Account No. 0771040776. Principal balance at date of death 0.44
$0.44;accrued interest$0.00
6 Personal Property-per appraisal. This appraised value includes the Decedent's 2000 Honda 8,035.00
Accord. A copy of the Title for this vehicle is attached hereto and incorporated herein.
7- Personal Property-sold at auction 2,608.00
8 Commonwealth of Pennsylvania-Property Tax Rebate 300.00
9 Erie Insurance-automobile insurance refund 316.00
10 PA American Water-refund - 42.95
11 Verizon-Refund 12.38
TOTAL(Also enter on Line 5, Recapitulation) 45,316.46
(If more space is needed,additional pages of the same size)
Copyright(c)2010 form software only The Lackner Group, Inc. Form PA-1500 Schedule E(Rev. 11-10)
St
MEMBERS ist
FEDERAL CREDIT UNION
REGULAR SAVINGS ACCOUNT:
Account Number/Suffix 358441-00
Date Account Established 06/0412009
Principal Balance at Date of Death $5.00
Accrued Interest to Date of Death $0.00
Total Principal and Accrued Interest $5.00
Name of Joint Owner None
C'cRTIFICA I E OF DEPOSIT:
Account Number/Suffix 358441-43*
Date Account Established 07/09/2012
Principal Balance at Date of Death $23,802.08
Accrued Interest to Date of Death $2.61
Total Principal and Accrued Interest $23,804.69
Name of Joint Owner None
*Rollover from CD 358441-42 opened 04/07/2011.
MEMBERS 1sT FEDERAL CREDIT UNION
Tessa L Klugh
Lending Insurance Support Specialist
June 19, 2013
Estate of: BETTY D LOWE
Date of Death: 06/0512013
Social Security Number: 172-24-8137
5000 Louise Drive P.O. Box 40 Mechanicsburg,Pennsylvania 17055 (800) 283-2328 www.memberslst.org
SOvere1gff i =
Court Ordered Processing\Decedents- MAI-MB3-02-10 - P. O. Box 841005 - Boston,MA 02284
July 15, 2013
3
a
James D. Bogar
Attorney at Law
One West Main Street
3 Shiremanstown, PA 17011
a RE: Estate of Elizabeth L. Lowe
Date of Death: June 5, 2013
9
9
Dear Mr. Bogar.
Per your request, enclosed please find the account information as of the date of death
for the above-named decedent. For your information, accrued interest is not included in
the date of death balance. There was no safe deposit box on file.
Please feel free to contact me if I can be of any further assistance.
Y
Very truly yours,
t
4
Linda Spavento
Team Leader
617-514-5189
0
9
s
Z
U
E
Z
3
Sovereign Bank
ESTATE OF Betty D Lowe
SOCIAL SECURITY#: 172-24-8137
DATE OF DEATH: June 5, 2013
Account#: 0771040261 Type: Checking Open date: 6/1/1990
In the name of. Betty D Lowe
Date of Death Balance: $10,183.09
Int.(YTD) from 1/1/2013 to 5/10/2013 $0.37
Accrued interest to date of death: $0.07
Other Info:
Account#: 0771040776 Type: Money Market Open date: 12/28/1984
In the name of: Betty D Lowe
Date of Death Balance: $0.44
Int.(YTD) from 1/1/2013 to 5/10/2013 $0.00
Accrued interest to date of death: $0.00
Other Info:
Page 1 of 1
ROWE'S AUCTION SERVICE
211 N.OLD STONE HOUSE ROAD
CARLISLE, PA 17015
717-249-1978
To: James D. Bogar, Esquire
One West Main Street
Shiremanstown, PA 17011
From: William G. Rowe
Rowe's Auction Service
211 N. Old Stone House Road
Carlisle, PA 17015
Re: Personal Property Appraisal
Elizabeth L. Lowe Estate
1355 Simpson Ferry Road ,
New Cumberland, PA 17070
Date: July 3,2013
LIVING ROOM
Recliner $20.00
T.V. $25.00
Washstand $80.00
Bookcase $115.00
Dishes,antique $45.00
Clock $35.00
Glass baskets(2) $30.00
Umbrella stand $35.00
Coffee table/stands $90.00
Jim Beam bottles '$15.00
Electric dock $15.00
Sofa $90.00
Boy Scout items $20.00
Collectibles-knives, licenses,etc. $120.00
Books $10.00
Watches(3) $450.00
Knives $25.00
Trunk $15.00
Stereo-no value $0.00
Lamps $10.00
KITCHEN
Table/chairs $90.00
Dry sink $60.00
Hutch $75.00
Dishes $25.00
Knick knacks $20.00
Microwave $15.00
Kitchen wares - - $25.00
Pots(pans $20.00
Lowe Appraisal 1 07/03/2013
L
6.
i
S
6mm
BEDROOM
Bedroom set $100.00
Dresser items $20.00
Costume jewelry $50.00
BEDROOM
Bed-single $25.00
Wardrobe $25.00
Rocker $85.00
Sewing items $25.00
Soft goods $20.00
Mantle dock $85.00
Knidc knacks $25.00
Flatware-sterling $465.00
Sweeper $10.00
Shotgun 12 ga.double barrell (American) $100.00
Shotgun 12 ga.single barrell(Victor) $50.00
Over/under22/410(Stevens) $215.00
BASEMENT
Tools $35.00
Fishing gear $20.00
Washer/dryer $30.00
Lantern $20.00
Miscellaneous household $20.00
Ladders $10.00
Christmas items $15.00
Collectibles $35.00
Depression glass $20.00
Jugs $30.00
GARAGE
Lawn tools $15.00
Mower $45.00
Cart $10.00
Snow thrower $20.00
Picnic table $10.00
2000 Honda Accord-Fair condition-64,815 miles $6,500.00
TOTAL $9,710.00
111
William G. Rowe
Lowe Appraisal 2 07/03/2013
or
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R.OWE'S AUCTION SERVICE (RH 79L)
2505 Ritner Highway * Carlisle,PA 17015
Bill Rowe (AU 1538L) 249-1978 215-1044 574-1008 Dave Rowe (AU 2295L)
Auction Is Action Call "Rowe" For Satisfaction
SELLERS NAME fi L a�,s- / �' DATEc..l_ �
ADDRESS b 7cx ,I .6 s Gds PHONE
OTHER AUC'T'IONEER % 3'S
AUCTION DATE/LOCATION CLERK %
DESCRIPTION OF MERCHANDISE I " 5
S i1eC ; �. _ arc 1r�rs� x1 S,-r=7 S' SC�NA�
Ptis - Q s»cn -SPA-2,o Clyae. s � 'CccS - 5 «' _ds,� s ` tea:
n
f2.ry.n = tP r-r- �kr� -�P� -fit �r��,� - ti r��ts �:-G�✓tra s
I Commission the Auctioneers to sell the merchandise to the highest bidder by Public Auction.Merchandise
to be sold as is & grouped as necessary to obtain bids. I certify that I am the owner or authorized represen-
tative of the merchandise,goods and or property and have good title and the right to sell and that they are free
from all incumbrances. I agree to accept all responsibility for providing merchantable title and for delivery of
title to the purchaser. I agree to hold harmless the Auctioneers against any claims of the nature referred to in
this agreement. ,+
1 1 _
SIGNATURE SE L RS S R
Total Sales (derking Tickets Attached) $ �1-G V S
Less Sale Expense:
5 %Commission Auctioneer $ t Z
%Commission Clerks $
C .
OTHER: W-M1-at-LA--ul BLS
TOTAL SALE EXPENSE DEDUCTED $
SELLERS NET $
Rev-1510 EX.(08-09)
SCHEDULE G
pennsylvania INTER-VIVOS TRANSFERS AND
DEPARTMENT OF REVENUE
INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY
RESIDENT DECEDENT '
ESTATE OF FILE NUMBER
Lowe, Elizabeth L. 21-13-0666
This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes.
ITEM DESCRIPTION OF PROPERTY DATE OF DEATH %OFDECDS EXCLUSION TAXABLE
NUMBER INCLUDE OF TRANSFERS ATTACH A COPY OF THE RELATIONSHIP OR REAL ESTATE. VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE
1 New York Life-Annuity No.53603641. The 42,349.47 42,349.47
Decedent's two(2)sons are the named beneficiaries -
of this account.
TOTAL(Also enter on Line 7, Recapitulation) 42,349.47
(If more space is needed,additional pages of the same size)
Copyright(c)2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule G(Rev.08-09)
wimtar of the DALB..�R
Sen-ice dvva rd frmn
.__..n..: , • -
2000-2012
July 29, 2013
William C Lowe
25 Dewalt Drive
Mechanicsburg, PA 17050
Policy: 53003641
Decedent: Betty D Lowe
Dear William C Lowe
We have received your request for information and the beneficiary's release authorization. A copy of the
correspondence is enclosed. Please find the information requested below.
• Date of Death Value(06/05/2013) $42,349.47
• Gain/Taxable Amount: (06/05/2013) $13,908.08
• Type of Policy: Non-qualified
• Beneficiary: William C Lowe 50% Son .
Thomas E Lowe 50% Son
The amounts above represent the accumulation value as of the date of death.All beneficiaries have
been paid.This policy is no longer active.
If you have any questions or concerns, our Client Services Representatives are available Monday through
Friday from 8:30 a.m.to 5:30 p.m. Eastern Time at 1-800-762-6212.
Sin rely,
Irene Napier
Representative
New York Life Annuity Service Center•P.O. Box 9859•Providence, RI 02940. 1-800-762-6212
Annuities are issued by New York Life Insurance and Annuity Corporation(NYLIAC) (A Delaware Corporation)
Variable annuities are distributed by: NYLIFE Distributors LLC,Member FINRA/SIPC
NYLIAC and NYLIFE Distributors LLC are wholly owned subsidiaries of New York Life Insurance Company
51 Madison Ave, New York, NY 10010
REV-1511 EX+(10-09)
pennsylvania SCHEDULE H
DEPARTMENT OF REVENUE FUNERAL EXPENSES AND
RESIDENT ED NT ADMINISTRATIVE COSTS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Lowe, Elizabeth L. 21-13-0666
Decedent's debts must be reported on Schedule 1,
ITEM DESCRIPTION AMOUNT
NUMBER
A. FUNERAL EXPENSES:
See continuation schedule(s) attached 10,030.82
B. ADMINISTRATIVE COSTS:
1. Personal Representative's Commissions
Name of Personal Representative(s) _
Street Address -
city State ZiD
Year(s)Commission Paid
2. Attornev's Fees Bogar& Hipp Law Offices 8,500.00
3, Family Exemption: (If decedent's address is not the same as claimant's,attach explanation)
Claimant
Street Address
City State ZiD
Relationship of Claimant to Decedent
4. Probate Fees 373.50
5. Accountant's Fees
6. Tax Return Preparer's Fees
7. Other Administrative Costs 20,248.12
See continuation schedule(s)attached
TOTAL(Also enter on line 9, Recapitulation) 39,152.44
Copyright(c)2009 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev. 10-09)
SCHEDULE H
FUNERAL EXPENSES AND ADMINISTRATIVE COSTS
continued
ESTATE OF FILE NUMBER
Lowe, Elizabeth L. 21-13-0666
ITEM
NUMBER DESCRIPTION AMOUNT
Funeral Expenses
1 Parthemore Funeral Home-funeral bill 10,030.82
H-A 10,030.82
Other Administrative Costs
2 AT&T 49.65
3 Bill Lowe-reimbursement for deposit to open estate account 5.00
4 Bill Lowe-reimbursement for parts to repair window 40.45
5 Bones Contracting -correct home inspection findings,electric and bathroom vent 230.00
6 Comcast 2,48
7 Cumberland Law Journal-Executor's Notice 75.00
8 Erie Insurance-homeowner's insurance premium 116.00
9 First American Home Buyers Protection Corp.-Home Warranty 415.00
10 Home Depot-basement paint and supplies 166.58
11 Keystone Land Transfer, LTD-Tax certification fee - 10.00
-12 Kristen D.Shive-Notary fee - 10.00
13 Lenk Tree Service-tree and root removal 300.00
14 M.C.Walker Realty-Broker's commission - 3,142.80
Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6-98)
SCHEDULE H
FUNERAL EXPENSES AND ADMINISTRATIVE COSTS
continued
ESTATE OF FILE NUMBER
Lowe, Elizabeth L. 21-13-0666
ITEM
NUMBER DESCRIPTION AMOUNT
15 Members 1st Federal Credit Union-fee for checks 9.50
16 Members 1st Federal Credit Union-fee for checks 9.50
17 New Cumberland Borough-sewer and trash 115.24
18 New Cumberland Borough-sewer and trash 115.24
19 New Cumberland Borough-sewer 76.64
20 New Cumberland Borough -trash 38.60
21 PA American Water 42,95
22 PA American Water 39.93
23 PA American Water 18.09
24 PA American Water 18,09
25 PA American Water 18.09
26 PA American Water 15.52
27 PA American Water 14.56
28 PA American Water - 15.52
29 PA American Water 14.97
30 PA American Water 14,78
31 Pinnacle Health Hospital 10.00
Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6-98)
'SCHEDULE H
FUNERAL EXPENSES AND ADMINISTRATIVE COSTS
continued
ESTATE OF FILE NUMBER
Lowe, Elizabeth L. 21-13-0666
ITEM
NUMBER DESCRIPTION AMOUNT
32 Pinnacle Health Hospital 150.00
33 PPL 56.48
34 PPL 7.62
35 PPL 42.97
36 PPL 104.68
37 PPL 68.37
38 PPL 70.55
39 PPL 59.48
40 PPL 23.47
41 PPL 25.19
42 PPL 27.38
43 Re/Max Realty Associates, Inc. -Broker's commission 3,142.80
44 Re/Max Realty Associates, Inc.-Broker's Fee 395.00
45 Recorder of Deeds- Realty Transfer Tax 1,080.00
46 RESERVES:-Costs to conclude administration of estate, including preparation and filing of 1,000.00
Fiduciary Income Tax Returns
47 Rita J. Harries-Seller's Assist paid at real estate closing 3,240.00
Copyright(c)2002 form software only The Lackner Group,Inc. - Form PA-1500 Schedule H(Rev.6-98)
SCHEDULE H
FUNERAL EXPENSES AND ADMINISTRATIVE COSTS
continued
ESTATE OF FILE NUMBER
Lowe; Elizabeth L. 21-13-0666
ITEM
NUMBER DESCRIPTION AMOUNT
48 Rita J.Harries-credit given at settlement for unpaid sewer(111114-2728114) 49.39
49 Rita J. Harries-credit given at settlement for unpaid county taxes(1111/14-2!28/14) 131.05
50 Robin Gasperetti,Tax Collector-School Taxes 1,176.47
51 Rowe's Auction Service -fee for personal property appraisal 85.00
52 Rowe's Auction Service-commission and fees for auction of personal property 957.80
53 Sovereign Bank-fee to obtain date of death valuation 20.00
54 Sovereign Bank-Sphere Credit Card payment 486.51
55 Superior Plus Energy Service 400.00
56 Superior Plus Energy Service 200.00
57 Superior Plus Energy Service 200.00
58 Superior Pius Energy Service 200.00
59 Superior Plus Energy Service 200.00
60 Superior Plus Energy Service 200.00
61 Superior Plus Energy Service 200.00
62 The Sentinel-Executor's Notice 178.92
63 Triton Pest Control 609.50
64 , UGI 32.20
Copyright(c)2002 form software only The Lackner Group,Inc. Form PA-1500 Schedule H(Rev.6-98)
SCHEDULE H
FUNERAL EXPENSES AND ADMINISTRATIVE COSTS
continued
ESTATE OF FILE NUMBER
Lowe, Elizabeth L. 21-13-0666
ITEM
NUMBER DESCRIPTION AMOUNT
65 UGI 27.80
66 UGI - 27.91
- 67 UGI 29.96
68 UGI 26.86
69 UGI 27.91
70 UGI 28.91
71 UGI - 30.71
72 UGI 27.49
73 Verizon 24.78
74 Verizon 24.78
H-137 20,248.12
Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6-96)
REV-1513 EX.(01-10)
pennsylvania SCHEDULE J
DEPARTMENT OF REVENUE BENEFICIARIES
/�p -
INHERITANCE TAX RETURN BENEFICIARIES
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
Lowe, Elizabeth L. 21-13-0666
NAME AND ADDRESS OF RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE
NUMBER DECEDENT
PERSON(S)RECEIVING PROPERTY o List (Words) ($$$)
I TAXABLE DISTRIBUTIONS [include outright spousal -
distributions,and transfers
under Sec.9116(a)(1.2)]
Thomas E. Lowe Son One-half of rest,
696 Sand Spur Drive residue and
Etters, PA 17319 - remainder
William C. Lowe Son One-half of rest,
25 Dewalt Drive residue and
Mechanicsburg,PA 17050 remainder
Total
Enter dollar amounts for distributions shown above on lines 15 throw h 18 on Rev 1500 cover sheet,as appropriate.
NON-TAXABLE DISTRIBUTIONS:
II. A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN
B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
TOTAL OF PART II-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET
Copyright(c)2010 form software only The Lackner Group, Inc. - Form PA-1500 Schedule J(Rev. 01-10)
ACUs t Will UnA Tm tawnt
OF
ELIZABETH L. LOWE
BE IT REMEMBERED, that I, ELIZABETH L. LOWE, of 1355 Simpson Ferry
Road, New Cumberland Boro, Cumberland County, Pennsylvania, being of
sound mind, memory and understanding, do make, publish and declare this
as and for my Last Will and Testament, hereby revoking and making null
and void any and all Wills and Testaments and writings in the nature
thereof by me at any time heretofore made. -
ITEM 1: I direct that all my just debts and funeral expenses be
paid as soon after my demise as may be convenient.
ITEM 2: All the rest, residue and remainder of my estate, of whats -
ever nature and wheresoever situate, whether it be real, personal
or mixed, including property over which I have a power of appointment,
I give, devise and bequeath unto my husband, Charles W. Lowe, absolute-
ly, provided he survives me for a period of thirty (30) days.
ITEM 3: Should my husband, Charles W. Lowe, predecease me, fail to
survive me for a period of thirty (30) days, or should we die simulta-
neously, I then give, devise and bequeath my entire residuary estate
unto my two sons, William C. Lowe and Thomas E. Lowe, in equal shares,
per stirpes.
ITEM 4: 1 appoint Commonwealth National Bank of Harrisburg, Pennsy -
vania,. as guardian over any property which passes either under this Wil
or otherwise to a minor and with respect to which I am authorized to
appoint a guardian and have not otherwise specifically done so, provide
that this appointment of a guardian shall not supersede the right of an
fiduciary in its discretion to distribute a share where possible to the
minor or to another for the minor's benefit. Such guardian shall have
the power to use principal as well as income, from time to time for the
WITNESS:
SEAL)
ELIZASSUH L. LOWE
I
i
j
i
I
- minor's Support and education, (including college education, both
graduate and undergraduate) , without regard to his or her parent's
ability to provide for such support and education, or to make payment
for these purposes, without further responsibility to the minor's parent;
or to any person taking care of the minor. -
ITEM 5: I direct that my hereinafter named Executor pay all inheri-
tance, estate, succession and legacy taxes of whatsoever nature and i
kind, to which my Estate or the transfer of any property passing hereund,F
er or otherwise passing by reason of my demise, and may be subject and
to charge such taxes against my residuary estate, it being my intention I
that none of the aforesaid taxes, either federal or state, or any
Property required to be included in my gross estate, under the pro-
visions of any state or federal law now in force or hereafter enacted,
shall be prorated among the persons interested in my Estate to whom
such property is or may be transferred or to whom any benefit accrues.
ITEM 6: I appoint my husband, Charles W. Lowe, as Executor of this
my Last Will and Testament. Should my husband predecease me, fail to
qualify, cease to act or renounce probate, I then appoint my son,
William C. Lowe, as alternate Executor of this my Last Will and Testa-
ment.
ITEM 7: I direct that my Executor, guardian or their successors
shall not be required to give bond for the faithful performance of their
duties in any jurisdiction. -
IN W//I��TNESS WHEREOF, I have hereunto set my hand and seal this G+h
day of ll.Y1 ti 1981.
6- � (SEAL)
ELIZABETA L. LOWE
The preceding instrument, consisting of this and one other typewrit
ten page was on the day and date thereof signed, sealed, published and
declared by ELIZABETH L. LOWE, the Testatrix, herein named, as and for
her Last Will and Testament, in the presence of us, who, at her request,
in her presence and in the presence of each other, have subscribed our
-lames as witnesses hereto, -
1
'�.�'�i'�.:1 �✓�1 a�yLj.�-.� OF ..J�C/�X�rLi `:D\
OF