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Home My WebLink About02-28-14 (4) REV-1500 EX (02-11)(FI) 1505610140 OFFICIAL USE ONLY PA Department of Revenue Bureau of Individual Taxes County Code Year File Number PO BOX 280601 INHERITANCE TAX RETURN 2 1 1 2 1 1 3 0 Harrisburg,PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 1 0 0 5 2 0 1 2 1 1 2 4 1 9 4 3 Decedent's Last Name Suffix Decedent's First Name MI Ma n n i o n L y n n H (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 F-1 2.Supplemental Return 3. Remainder Return(Date of Death Prior to 12-13-82) ❑ 4.Limited Estate Ej 4a.Future Interest Compromise(date of ❑ 5. Federal Estate Tax Return Required death after 12-12-82) 6.Decedent Died Testate 7.Decedent Maintained a Living Trust 8.Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust.) 9. Litigation Proceeds Received F-1 10.Spousal Poverty Credit(Date of Death ❑ 11. Election to Tax under Sec. 9113(A) Between 12-31-91 and 1-1-95) (Attach Schedule O) CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number The r e s L S h a de Wi x 71 7 652 8455 REGISTERroF WILLS USE-6NLY � s First Line of Address m a-, co Wi x We n g e r & Wei d n e r °° Second Line of Address 4 70 5 Du k St r e et City or Post Office State ZIP Code TE FILED H a r r i s b u r g P A 1 7 1 0 9 Correspondent's e-mail address: tISW2000 @aOI.COm Under penalties of perjury,I declare that 1 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. IG R __PERSON i BLE FOR FILING C ; � S, + �o ,�I®fl lid IDA'�.1� ADDRESS ' 9, �j 4it4en�-.� I c® -e,o�� I Z�- S. 27 1-,— S1, CB..w0j 11 1`.4'f?oj, Z. /-7 f 5/ V D qSIGJA RERER O�EPE$ENTATIV= WI " /H ADDRESS PLEASE USE ORI AL FORM ONLY Side 7 1505610140 1505610140 J REV-1500 EX(FI) Page 3 File Number Decedent's Complete Address: 21 12 1130 DECEDENT'S NAME Lynn H. Mannion STREET ADDRESS 125 S. 27th Street CITY STATE ZIP Camp Hill PA 117011 Tax Payments and Credits: 1. Tax Due(Page 2,Line 19) (1) 11,157.69 2. Credits/Payments A.Prior Payments B.Discount Total Credits(A+B) (2) 3. Interest (3) 211.34 4. If Line 2 is greater than Line 1 +Line 3,enter the difference.This is the OVERPAYMENT. Fill in oval on Page 2,Line 20 to request a refund. (4) 0.00 5. If Line 1 +Line 3 is.greater than Line 2,enter the difference.This is the TAX DUE. (5) 11,369.03 Make check payable to: REGISTER OF WILLS, AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred ...................................................................... 0 El ❑X b. retain the right to designate who shall use the property transferred or its income c. retain a reversionary interest ..................................................................................................... ❑El 191 ❑ d. receive the promise for life of either payments,benefits or care? ....................................................... X 2. If death occurred after December 12,1982,did decedent transfer property within one year of death without receiving adequate consideration? ............... . . .. ................................................................ El X 3. Did decedent own an"in trust for"or payable-upon-death bank account or security at his or her death? ......... ❑ 0 4. Did decedent own an individual retirement account,annuity or other non-probate property,which contains a beneficiary designation?.................................................................................................. 0 ❑ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994,and before Jan. 1, 1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is is 3 percent[72 P.S.§9116(a)(1.1)(i)]. For dates of death on or after Jan. 1, 1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S.§9116(a)(1.1)(ii)].The statute does not exempt a transfer to a surviving spouse from tax,and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on'or after July 1,2000: • The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent,an adoptive parent or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1.2)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent,except as noted in p2 P.S.§9116(a)(1)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent[72 P.S.§9116(a)(1.3)].A sibling is defined, under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption. REV-1502 EX+(12-12) pennsytvania SCHEDULE A DEPARTMENT OF REVENUE INHERITANCE TAX RETURN REAL ESTATE RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Lynn H. Mannion 21 12 1130 All real property owned solely or as a tenant in common must be reported at fair market value.Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts. Real property that is jointly-awned with right of survivorship must be disclosed on Schedule F. Attach a copy of the settlement sheet if the property has been sold, ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE NUMBER OF DEATH DESCRIPTION Decedent's property at 127 South 27th Street, Camp Hill, PA 17011 198,200.00. ($198,200.00 x 1.0=$198,200.00-Assessed Value) (See Schedule A, Exhibit 1) i TOTAL(Also enter on Line 1,Recapitulation.) $ 19$200.00 if more space is needed,use additional sheets of paper of the same size. i l - - FORM NO. 588 b C the 13th day o f October in the year of our Lord one thousand nine hundred and eighty-eight St�lt¢En PATRICK J. MANNION, SR. , and LYNN H. " N R MANNION, his wife, Parties of the First Part and Grantors herein, A S N D - - �+ LYNN H. MANNION, Party of the Second Part and Grantee herein, c� Wc! U ttttsSSEf�� that in consideration of the sum of One ($1.00)------ -----------------------------------------------------------4Jollars, in hand paid, the receipt whereof is hereby acknowledged; the Grantors do hereby release and quit claim to the said Grantee, her Heirs and Assigns. All THAT CERTAIN lot of ground situate in the Borough of Camp H 11, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a point on the eastern side of South 27th Street at lands now or late of Shepard; thence along the eastern side of South 27th Street in a southerly direction 72.6 feet to the northern side of a 10-feet-wide alley; thence along the northern side of said ten-feet-wide alley in an easterly direction 201.31 feet to the western side of a 15-feet-wide alley; thence alon said 15-feet-wide alley in a northerly direction 49.6 feelands now or late of Shepard; thence alo s mentioned lands in a westerly direction 200 feet to tT h ��s.a�de-of South 27th Street, the place of BEGINNING. HAVING thereon erected t jp;,story brick and frame dwelling known as No. 125 South L/tti_ �r..e.et.4 ` BEING part of Lot No. 40 and all of Lot No. 41 on a Plan of Lots laid out by E.N. Cooper, said plan being recorded in Cumberland County Recorder's Office in Plan Book 1, page 43. TOGETHER with all the right, title and interest of said Grantors in the northerly five feet of a former 10-Feet-wide alley above referred to running eastwardly from 27th Street along the southerly line of the premises above described to said 15-feet-wide alley, said 10-feet-wide alley having been vacated by ordinance No. 416 of the Borough of Camp Hill enacted November 26, 1952. UNDER AND SUBJECT to easements, restrictions, and conditions of prior record pertaining to said premises. OOR PAGE Schedule A, Exhibit 1 BEING the same property which Patrick J. Mannion, Sr. , and Lynn H. Mannion, Grantors herein, by their deed dated July 15, 1985, and recorded in Deed Book "J," Volume 31, page 1020, did grant and convey unto themselves. This transfer is between husband and wife and is therefore exempt from real estate transfer taxes. m T OF CAMP HILL t:> BOOK P33 PAGE ' bt Witness Whrrrof, the Grantors have hereunto set their hands and seals the day and year first above.written. .............. (Seal) ................................... .............................................................. fpigneb i�ralpb aub WHUZub PATRICK MANNION, SR. ...................... (Seal) .......... .............. ..................................I....................... W the prPsenrp of ��....................... (Seal) ..................... H '11-TNTON.............................. .........................................I..................................................... (Seal) .............................. .............................. ............................ ................... (Seal) ................................................................................................. P L T R H-A;rAgl'TN ...... ............................................................................................................... (Seal) .................................................................................................... (Seal) ............................................................................................. .................................................................................................................. (Seal) ......................................................:...................................... ....................... .........-......................................... (Seal) .......... .............................. CootntanturaI14 of Vrnnsiglvanta Tamil; of Dauphin On this, the 13th day of October A.D.1988 ,before me a Notary Public the undersigned Officer, personally appeared PATRICK J. MANNION, SR. , and LYNN H. MANNION, his wife, known to me (or.satisfactorily proven) to be the person whose name s are subscribed to the within instr1im-eftt,;,' acknowledged that t hey executed the same-fprthe purposes therein conM�e'di, At Ivitur-mi I hereunto set my hand and official seal. ........... ................................... ............ Harristm,10) P Cow my conmiv-"Or..Exy:res Fob.14,19SO ihatp of urountg of On this, the day of A.D. 19 before me the undersigned Officer, personally appeared known to me (or satisfactorily proven) to be the person whose name subscribed to the within instrument, and acknowledged that he executed the same for the purposes therein contained. 31t jUjtnPs!9 Whereof, T hereunto set my hand and official seal. ............................................................................................ .............................................................................................................. Tide of Officer '23 500lt Q33 PAGE :3 Pgr&g (gertk that the precise residence of the Grantee is 125 South 27th Street Camp Hill, PA 17011 ................... ........................................................................ Attorneyfor......................G.r...a....n...t....e...e... ................................................................... A Tontinvittupalt4 of Pemigivania '� Bee Or-dFed''00 this 0 day of 0 A. D. 19 in the "4.,ihe said County in Deed Book Volume 33 Page 'h�nd and the 8ea,��e said Offic the b written. Qit;Wi.:ut0r mY. bone wrs en. ....................................................................................................... Recorder soai PACE `24 REV-1508 EX+(08-12) pennsylvania SCHEDULE E DEPARTMENT OF REVENUE CASH, BANK DEPOSITS & MISC. INHERITANCE TAX RETURN RESIDENT DECEDENT PERSONAL PROPERTY ESTATE OF: FILE NUMBER: Lynn H. Mannion 21 12 1130 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. Metro Bank, 3801 Paxton St., Harrisburg, PA 17111 5,972.73 Checking Account#512040957 (See Schedule E, Exhibit 1) 2007 Buick Sedan 2. Decedent's Vehicle 6,500.00 (Purchaser Helen Heiserman -Cash transaction) (See Schedule E, Exhibit 2) TOTAL(Also enter on Line 5,Recapitulation) $ 12 472.73 If more space is needed,use additional sheets of paper of the same size. . METRO BANK . 3801 Paxton Street 888.937.0004 Harrisburg, PA 17111 mymetrobank.com 10/24/12 Wix, Wenger&Weidner Attorneys At Law 4705 Duke St. Harrisburg, PA 17109 RE': Estate of: Lynn H. Mannion Tax Identification Number: Date of Death: October 5, 2012 To Whom It May Concern: This letter is in reference to decedent account information you requested for the individual listed above. We are able to provide the following: Account Type:CK Account Number: 512040957 Date Opened: 08/25/1988 Primary Owner: Lynn H. Mannion Date of Death.Balance: $5,972.73 The decedent also has a loan with Metro Bank. You may contact our loan servicing department at the following address: 3801 Paxton Street, Harrisburg, PA 17111. Please feel free to contact me at (717) 412-6127 if I may be of further assistance. Sincerely, Jennifer Jacobs— Research Associate Metro Bank Schedule E, Exhibit 1 MMG INSURANCE Protecting your piece of the worldY PENNSYLVANIA MOTOR VEHICLE INSURANCE IDENTIFICATION CARD POLICY NUMBER COMPANY NAIC AC10978706 MMG INSURANCE COMPANY 15997 Policy Effective Date: 12/20/2011 Policy Expiration Date: 12/20/2012 ID Card is Valid from 06/23/2012 to 12/20/2012 INSURED AGENCY 00437 LYNN MANNION K H B INSURANCE 125 S 27TH ST 1120 E CHOCOLATE AVE CAMP HUI PA 17011-4503 PO BOX 443 HERSHEY PA 17033 (717)533-2166 YEAR MAKE/MODEL VEHICLE IDENTIFICATION NUMBER 2007 BUICK LACROSSE CXL 2G4WD552X71109923 The coverage provided by this policy meets the minimum liability limits prescribed by law. :a.��>. z M&Ng';; \�\\\�y t......,c^\1 ate:`::\\\�\\\ \e 3.`ice\�'';a it \ s',:w"�'> vat:; NN ON \\\\ 9Al--.�MM�A� �Q S&ONS INSPECTION-REQUIRED/DIESEL VEHICLES EXEMPT COUN LYNN H MANNION 125 S 27TH ST CAMP HILL. PA 17 011 aw Schedule E, Exhibit 2 REV-1510 EX+(08-09) pennsylvania SCHEDULE G DEPARTMENT OF REVENUE INTER-VIVOS TRANSFERS AND INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER Lynn H. Mannion 21 12 1130 This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes. DESCRIPTION OF PROPERTY ITEM INCLUDE THE NAME OF THE TRANSFEREE,THEIR RELATIONSHIP TO DECEDENT AND DATE OF DEATH %OFDECD'S EXCLUSION TAXABLE NUMBER THE DATE OF TRANSFER.ATTACH A COPY OF THE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE 1. Ameriprise Financial, 25 S. 35th St., Camp Hill, PA 17011 146,919.75 100.00 146,919.75 Mutual Funds Acct. 011379274878002 -$6,980.18 Mutual Funds Acct. 020147870076002 -$2,550.58 Annuity Acct. 931075961124004-$122,997.94 Annuity Acct. 931082367885004-$14,391.05 (Beneficiaries on all accounts as follows: Laura Heiserman -50% Beth Heiserman -50% (See Schedule G, Exhibit 1) Public School Employees Retirement System Beneficiary, Laura Heiserman -$222,994.50 Beneficiary, Beth Heiserman -$222,994.50 445,989.00 100.00 0.00 (See Schedule G, Exhibit 2) TOTAL (Also enter on Line 7,Recapitulation) $ 146 919.75 If more space is needed,use additional sheets of paper of the same size. NOV-21-2012 09:23A FROM:AMERIPR.ISE 717 525 9484 70:6526290 P.2 Lovell, Heather A From: Kadam,Ankush P on behalf of SD Life EventsComm u nicatio nCenter Sent: Tuesday, November 20,2012 5:34 PM To: Zeiders,Christopher A Cc: Lovell, Heather A Subject: 17796957 3 001 LYNN H MANNION - DATE OF DEATH VALUES PLS DO NOT DELETE. Company RlverSource We Insurance Amarlpriso Financial Company 70100 Ameriprlse Financial Center Minneapolis,MN 66474 November 20,2012 CHRISTOPHER ALAN ZEIDERS 25 S 35TH ST CAMP HILL,PA 17011-4409 17796957 3 001 Dear CHRISTOPHER ALAN ZEIDERS: Thank you for your recent inquiry regarding LYNN H MANNION's accounts. These are the values of the accounts as of 10/05/2012. Account Information Mutual Funds Account Number Ownership 01137927487 8 002 Individual 020147870776 002 IRA-beneficiary designated Annuities-Post 1985 Account Number Ownership 93 1075961 12 4 004 IRA-beneficiary designated 93 108236788 5 004 IRA-beneficiary designated Mutual Funds Account Number Total Value #of shares Asset Value Per Sharc 01 137927487 8 002 $6,980.18 6,980.170 $1.00 02014787077 6 002 $2,550.58 203.883 $12.51 Annuities-Post 1985 Account Number Total Value 931075961 12 4 004 $122,997.94 93108236788 5 004 $14,391.05 1 Schedule G, Exhibit 1 NOV-21-2012 09:238 FROM:AMERIPRISE 717 525 9484 T0:6526290 P,3 The date of death values provided are for estate tax purposes and are not a value to be paid. Accounts may be subject to market fluctuation as governed by each product. Please note that the values indicated for any Life Insurance product(s)with the insured deceased reflect the gross death benefit at date of death and not the cash value. Values indicated for Life Insurance Products with only the owner deceased reflect the cash value as of the date of death. Values for any proprietary mutual funds include accrued dividends as applicable.Values provided for brokerage products are manually calculated,and should be used as estimates only. The prices used to provide values are estimates obtained from outside sources believed to be reliable. Ameriprise Financial provides these values as a service to its clients. Actual values used in preparation of tax returns or for planning purposes should be verified by your legal and accounting advisors. We appreciate the opportunity to be of service to you. Please contact us if you have any questions. Sincerely, Ankush P Kadam Death Settlements Processing Team 70100 Ameriprise Financial Center Minneapolis,MN 55474 1-800-862-7919,Option 2,ask for Estate Settlements Please do not reply to this email.This database does not support incoming mail. Please call the phone#within the letter if you require assistance. Thank you. Life Events Team 2 GEC-03-2015 17-:1131 From: 71-2=550151 To:7175526290 - .2''c I i COMMONWEALTH OF PENNSYLVANIA PUBLIC SCHOOL EMPLOYEES'RETIREMENT SYSTEM PSERS Toll-Free-1.888-773-7748 (1.888-PSERS4U) u 5 N 5th Street Local-717-787-6540 Harrisburg PA 17101.1905 Wob Rddross., www.psers.stala.pa.us November 7,2012 BETH HEISERMAN APT J. 220 LOUIS LN ENOLA, PA 17025 RE:Lynn Mannlon SSN:XXX-XX-8787 Dear Ms.Heiserman: The Public School Employees'Retirement System(PSERS)has received notification of the death of Lynn Mannlon. Please accept our condolences for your loss. PSERS has completed an initial calculation of the death benefit. The approufmate amount payable to you,or the beneficiary you represent,Is$222,994.50. Details of this estimated distribution are as follows: 1. Gross Amount of Distributions $222,994.50 Z, Taxable Amount $222,15716 3. Nontaxable Contributions $836,74 Enclosed for your review are the available payment plans. In order to process the death benefit,one of the payment plans must be selected. Please read the enclosed information on the payment plan options very carefully. Before you make a decision,we strongly recommend that you contact a tax consultant Or financial planner,since the death benefit is subject to federal income tax and the tax consequences will affect your income. Once you have elected an option,complete the applicable forts and return them to PSERS. As soon as the completed application is received in this office,the benefit can be recalculated and payment sent, If you have any questions,please contact the PSERS Member Service Center by calling toil-free 1-888-773-7748(1-888-PSERS4U). Harrisburg local callers,please use 717.787-8540. To contact PSERS by a-mall,use the following address:eontactPSERS®pa,gov, For your convenience,the Member Service Center is staffed each business day from 8;00 a.m,to 5:00 p.m, For more genera( Information,you may visit PSERS online at:www.psers.slats,pa,us, Sincerely, {�Gl�ief.'G SC�t40��aTG�1QdGfCEd� 1�L'�f7lCeliP�t�.rl�d,CCayt smm l�I�gI�IIiI��N�lN�a�1B��I�Ni�gl�l��l�ll�flflllil�al�flllllall I�i�illligl��i��ll{�lfl�IBil6��ll�l��lll��al�llli�l�l�(�l��Il�Bill6!lli��i�!li�fililil�li owoo�rreaaoaeo+o Schedule G, Exhibit 2 l J. Reference Guide for a Beneficiary's " Death Benefit Claim Forms 1Nhat options,do I have for collecting this settlement? I A named beneficiary of a deceased PSERS member-can: 01 Directly rollover the-taxable.amount, or a specific amount,to an eligible plan Request:a lump sum distribution of the total amount,tax-free amount, o.r--a specific amount. A mandatory 20%federal withholding tax will be.deducted from any iaxable'lumP sum distribution: Receive a,monthly annuity from.PSERS; if the benefit amount.is greater than.$10;000: What forms'do I need to complete and submit? • If you choose to rollover ahy port-ion ofthe payment,you must complete and return the Authorization for Direct Rollover Beneficiary(P.S.RS-1284)form. • If you choose not to rollover:any of the payment:(instead,you wish the entire amount to be paid directly to.youas.a l.ump.sum distribution),you must complete and return the Direct Rollover Waiver (PSRS. 4003')form, .If you choose to receive a.ny.part of the benefit as a monthly annuity,you must complete and return the-Option 1 -Dea.th:Benefits form. 'Complete and return a V1/-4P form (available for download from the IRS or PSE-RS.website) if you do not wish taxes to.be withheld based on Married with 3 exempfions. . Please note-that or.ce PSFRS'r eceive'your or^Meted fora ,.,1bi!r elected .payment plan cannot be changed. Please review the a m.ent,plans-carefully before.you se;lect:one. p. y Special Instructions-for the Administrator or Executor of an Estate: .i Use the Employer Identification Number(El N) in piace:of the SSN.. Enter your signature on1heforms according to the following example's _John Z,:.sini.itla,Admn for the Estate of Mary B.'Smith Jahw.Z,.svik th,..Exec.for the Estate of Mary B.Smith 0 You must complete and return Form:A(PSRS4256) or Form C(PSRS 7555). Special Instructions for.the'Guardian(s) of a Minor Child Beneficiary:: .• Use`the minor's social security number, not the guardian's. .• Enter your signature on the forms.according to the following example: J'ohw Z.swcitV,Grdnfor Mary.B.. Smith • If multiple.guardians exist for a minor child, all guardians must sign the forms. Unless otherwise noted, the IRS considers benefits paid by PSERS to be taxable income. PSERS death benefit payments.are not subject to Pennsylvania taxes,including inheritance taxes, if-you reside in the state of.Pennsylvahla.=-If'you do not live in Pennsylvania and are collecting a death benefit from PSERS, the death,benefit may be subject to additional taxes. REV-1511 EX+(10-69)' penngylvania SCHEDULE H DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER Lynn H. Mannion 21 12 1130 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. Hetrick-Bitner Funeral Home, Inc., 3125 Walnut Street, Harrisburg, PA 17109 3,820.49 (See Schedule H, Exhibit 1) B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s)of Personal Representative(s) Street Address City State ZIP Year(s)Commission Paid: 2. Attorney Fees: Theresa L. Shade Wix, Esq. 4,725.00 3, Family Exemption:(If decedent's address is not the same as claimant's,attach explanation.) 3,500.00 Claimant Laura Heiserman Street Address 125 S. 27th Street City Camp Hill State PA ZIP 17011 Relationship of Claimant to Decedent Daughter 4. Probate Fees: Cumberland County Register of Wills 415.50 5 Accountant Fees: 6. Tax Return Preparer Fees: 55.00 7. Cumberland County Law Journal, 32 S. Bedford St., Carlisle, PA 17013 75.00, Estate Advertising (See Schedule H, Exhibit 2) 8. The Sentinel, P.O. Box 742548, Cincinnati, OH 45274 221.40 Estate Advertising (See Schedule H, Exhibit 3) 9. Optical Storage Solutions, Inc. (Landex), Recorder of Deeds, Cumberland Co.) 38.75 Fees for acquiring Deed and Mortgages (See Schedule H, Exhibit 4) TOTAL(Also enter on Line 9,Recapitulation) $ 16 556.07 If more space is needed,use additional sheets of paper of the same size. Continuation of REV-1500 Inheritance Tax Return Resident Decedent Lynn H. Mannion 21 12 1130 Decedent's Name Page 1 File Number Schedule H -Funeral Expenses&Administrative Costs -B7. ITEM NUMBER DESCRIPTION AMOUNT 10. Janet L. Miller, Tax Collector, 1939 Walnut Street, Camp Hill, PA 17011 2,496.75 2013 Real Estate Taxes for Decedent's residence 125 S. 27th St., Camp Hill, PA (See Schedule H, Exhibit 5) 11. Janet L. Miller, Tax Collector, 1939 Walnut Street, Camp Hill, PA 17011 1,154.63 2013 Real Estate Taxes for Decedent's residence 125 S. 27th St., Camp Hill, PA (See Schedule H, Exhibit 6) (See Schedule H, Exhibit 7) 12. Wix, Wenger&Weidner, 4705 Duke Street, Harrisburg, PA 17109 53.55 Postage and Photocopies SUBTOTAL SCHEDULE H-137 3,704.93 Hetrick-Bitner Funeral Home, Inc. Invoice 3125 Walnut Street Harrisburg PA 17109 Date Invoice# 10/10/2012 3431 Phone# 717-545-3774 16 Bill To Laura Heiserman 125 S. 27th St. Camp Hill,PA 17011 Terms Due Date Client COD 1011012012 Lynn Mannion Quantity Description Rate Amount Opening and Closing of Grave 995.00 995.00 Clergy offering 150.00 150.00 20 Death Certificates 6.00 120.00 Obituary in Patriot News 521.49 521.49 Organist 100.00 100.00 Coroner Fee 25.00 25.00 Marker 1,909.00 1,909.00 AW4Z a P&We u#*ir.#ffAffh oau Total $3,820.49 Payments/Credits $-3,820.49 BITIVER FAMILY FUNERAL HOMES Balance Due $0.00 Schedule H, Exhibit 1 CUMBERLAND LAW JOURNAL 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 Tele: (717)249-3166 Fax:(717)249-2663 November 16, 2012 Cumberland Law Journal is published every Friday by the Cumberland County Bar Association and is designated by the Court of Common Pleas as the official legal publication for Cumberland County and the legal newspaper for publication of legal notices. TO: Theresa L. Shade, Esquire RE: Lynn H. Mannion Estate Legal advertisements must be received by Friday Noon. All legal advertising must be paid in advance. Make all checks payable to: Cumberland Law Journal. Advertisement inserted on following dates: November 2, November 9, and November 16, 2012 Advertising Cost $ 75.00 Proof of Publication $ 0.00 Second Proof Request $ . 0.00 Payment received $ 75.00 Total Amount Due $ 0:00 Becky H. Morgenthal, Executive Director Schedule H, Exhibit 2 The Sentinel WIX WENGER&WEIDNER ATTY v AD NUMBER PAGE NO. www.cumberlink.com 4705 DUKE STREET \� 415629 1 oft HARRISBURG,PA 17109-0341 \�a BILL DATE SALESPERSON 717652-0455 11/07/12 wolfc CARVA 9*rE SuRG FERV COUNTY lJ START DATE STOP DATE 10/24112 11/07112 AD NUMBER AD DESCRIPTION CLASS I LINES 415629 NOTICE LETTERS TESTAMENTARY ON THE 10 PUBLIC NOTICES 1 40 * 2 cols Publication Insertions Rate Net Amount Gross Amount 3 THE SENTINEL-LEGAL 3 LGL $212.40 TOTAL AD CHARGE $212.40 3 MOBILE SITE MOB2 $2.00 3 PROOF OF PUBLICATION 01 PRF $7.00 r t - Purchase Order Est.LynnMannion PAY THIS AMOUNT $221.40 $265.68* *AFTER 12102/12 THE SENTINEL Thank you for advertising with The Sentinel! Deadline for c/o LEE NEWSPAPERS in-column legal ads is 4:00 p.m.two business days prior to PO BOX 540 date of insertion. For questions,call(717)240-7130. WATERLOO IA 50704-0540 I I . i i I i Schedule H, ' Exhibit .3 . I From:Optical Storage Solutions, Inc.Transaction Processing<support @landex.com> To:THERESA Wix<glcrist2 @aol.com> Subject Optical Storage Solutions,Inc.Transaction Confirmation,XID:43677661 Date: Fri,Oct 12,2012 3:28 pm THERESA Wix, Thank you! The following transaction was processed. This email will serve as your receipt. For questions, please contact support @landex.com. Thank you for using the LANDEX Document Publishing Service. All orders are in your account history for future reference. Go to: http://www.landex.com/webstore/ Log into your account and go to your account history. The documents can be downloaded again. LANDEX Document Publishing Service charges follow: TRANSACTION DETAIL ----------------------------------------------- Merchant Name: Optical Storage Solutions, Inc. URL: http://www.landex.com/webstore Last Four Digits: 7675 Card Type: Visa Date & Time: 10/12/2012 13:27:58 Transaction ID: 43677661 .IP Address: Logged for security purposes. YOUR INFORMATION: • ----------------------------------------------- Name: THERESA Wix Address: 6490 Gallop Road City, St. ZIP: HARRISBURG, PA 17111 Country: u5 Telephone: (717) 652-8455 E-Mail Address: glcrist2 @aol.com Customer ID: 22403 Description Amount Quantity Subtotal ---------------------------=-------------- ------ -------- -------- CUMBERLAND 200248113 2.75 1 2.75 CUMBERLAND 200248112 13.25 1 13.25 Order Processing Fee 5.00 1 5.00 Transaction Total: 21.00 Sincerely, Optical Storage Solutions, Inc. Schedule H, Exhibit 4 http://mail.aol.com/37058-111/aol-6/en-us/mail/PrintMessage.aspx 10/12/2012 From: Optical Storage Solutions, Inc.Transaction Processing<support@landex.com> To:THERESA Wix<glcrist2 @aol.com> Subject: Optical Storage Solutions, Inc.Transaction Confirmation,XID:43677406 Date: Fri,Oct 12,2012 3:13 pm THERESA Wix, Thank you! The following transaction was processed. This email will serve as your receipt. For questions, please contact support @landex.com. Thank you for using the LANDEX Document Publishing Service. All orders are in your account history for future reference. Go to: httD://ww-w.landex.com/webstore/ Log into your .account and go to your account history. The documents can be downloaded again. LANDEX Document Publishing Service charges follow: TRANSACTION DETAIL ----------------------------------------------- . Merchant Name: Optical Storage Solutions, Inc. URL: http://u*ww.landex.com/webstore Last Four Digits: 7675 Card Type: Visa Date & Time: 10/12/2012 13:13:37 Transaction ID: 43677406 IP Address: Logged for security purposes. YOUR INFORMATION: ------------ Customer Name: THERESA Wix Address: 6490 Gallop Road City, St. ZIP: HARRISBURG, PA 17111 Country: us Telephone: (717) 652-8455 E-Mail Address: glcrist2 @aol.com Customer ID: 22403 Description Amount Quantity Subtotal ------------------------------------------ ------ -------- -------- CUMBERLAND 201011065 7.25 1 7.25 CUMBERLAND 200521472 2.00 1 2.00 CUMBERLAND 200303374 3.50 1 3.50 Order Processing Fee 5.00 1 5.00 Transaction Total: 17.75 Sincerely, Optical Storage Solutions, Inc. http://mail.aol.com/37058-111/aol-6/en-us/mail/PrintMessage.aspx 10/12/20.12 -AXES ARE IN ESCROW FORWARD ONE COPY TO IIIIIII I I I II IIIIIII�IIIII III y Control No:001-001770 RTGAGE COMPANY.CASH ONLY AFTER 1219/13 2013 Statement of Real Estate Taxes Bill Date: 7/01/2013 Land Improvement Mineral Total 'FREE Assessed 0 198,200 Values 57,100 141,100 JANET L.MILLER,TAX COLLECTOR Discount Face Penal 1939 WALNUT STREET CAMP HILL S.D. 10 CAMP HILL PA 17011 Rates .01316220 .01316220 2% SCHOOL R/E 2,556.57 2,608.75 2,869.63 >c: ASSESS.NO-1001698 - MAP NO: 01-21-0271-561. 125 S 27TH STREET TAX AMOUNT DUE-----� $2,446.81 $2,496.75 $2,746.43 ACRES .300 DEED 00330121 If Paid On or After 7/01/2013 9/01/2013 11/01/2013 LOT 41 &PO LOT 40 PB 1 PG 43 t if Paid On or Before 8/31/2013 10 31/2013 12 15 2013 RESIDENTIAL 1 FAMILY P A 1 STAMPED I ELOPE&2 COPIES OF BIOLL�ENCLOSE SELF-ADDRESSED p��+ IF NOT PAID BY 12/15/13 BILL WILL BE SENT x MANNION LYNN H l,�L,T 1 6 2013 TO TAX CLAIM FOR COLLECTION&FILING A PROPERTY LIEN. vER 125 S 27TH I ST NOTICE OF PROPERTY TAX RELIEF CAMP HILL PA 17011-4503 JANET L MILLER our enclosed tax bill includes a tax reduction for your homestead and/or farmstead TAX COLLECTOR roperty. As an eligible homestead and/or farmstead property owner,you have received tax relief through a homestead and/or farmstead exclusion which has been provided 'RCE WED 11.2 AND 4-6 JULY-OCTOBER under ssembly designed Pennsylvania Taxpayer you Relief property law passed by the Pennsylvania General )URS: SPECIAL:12-2 AUG 23&30 - PHONE:(717)763-0177 If paying in installments'use the coupons below to submit payments.If paying in full use ONLY the 1ST coupon below to submit payment. Schedule H, Exhibit 5 | | Payable To: JANET L MILLER,TAX COLLECTOR OfficeHours: MAR-OCT WEDNESDAY 11-2&4-6 1939 WALNUT STREET SPEC HOURS A?R 26&27 AND APR 29&30 4-6 CAMP HILL,PA 17011 CASH ONLY AFTER.12/5113 Bill No: 1735 - PHONE-(717)763-0177 PAID Bill Date: 311/12 Control No: 01001698 MAP NO: 01-21-0271-561. 0"7 emes 00 Impro Desc. 126 S 27TH STREET —9s Uiscount Face Penalty AUG T Messed Value: Land:67,11 vement:141,100 Total:198,200 MA INION.LYNN H. TAX AMOUNT DUE $1,028.66 $1,049.66 $119.463 CAMP HILL PA 17011-4503 1 If Date Of Payment is on 3/1/13 thru 4130/13 7/11/113 or Later / Schedule H, Exhibit REV-1512 EX+(12-12) pennsylvania SCHEDULE DEPARTMENT OF REVENUE DEBTS OF DECEDENT, INHERITANCE TAX RETURN MORTGAGE LIABILITIES& LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER Lynn H. Mannion 21 12 1130 Report debts incurred by the decedent prior to death that remained unpaid at the date of death,including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. Metro Bank, 3801 Paxton Street, Harrisburg, PA 17111 8,433.61 Line of Credit on Decedent's property at 125 S. 27th St., Camp Hill, PA 17011 (See Schedule I, Exhibit 1) CitiMortgage, Inc., P.O. Box 6243, Sioux Falls, SD 57117-6243 Mortgage on Decedent's property at 125 S. 27th Street, Camp Hill, PA 17011 2. Balance as of December 2012 59,614.59 (See Schedule I, Exhibit 2) 3. AscensionPoint, 200 Coon Rapids Blvd., Coon Rapids, MN 55433 1,400.19 Bill collection for GE Capital Retail Bank-QCard. (See Schedule I, Exhibit 3) Estate Information Services, P.O. Box 1370, Reynoldsville, OH 43068 Capital One Bank Mastercard 4. (See Schedule I, Exhibit 4) 876.83 5. Janet L. Miller, Tax Collector, 1939 Walnut St., Camp Hill, PA 17011 15.00 2012 Personal Taxes (See Schedule I, Exhibit 5) Janet L. Miller, Tax Collector, 1939 Walnut St., Camp Hill, PA 17011 2012 Real Estate Taxes 6. (See Schedule I, Exhibit 6) 2,497.48 Mortgage payments for November 2012, December 2012, January through October 2013 7. $431.40 per month x 12 = $5,176.80 + late charges$64.71 = $5,241.51 5,241.51 (See Schedule I, Exhibit 7) 8. 2012 Federal Income Tax Due 3,783.00 (See Schedule I, Exhibit 8) TOTAL(Also enter on Line 10,Recapitulation) $ 81 862.21 If more space is needed,insert additional sheets of the same size. METRO BANK 3801 Paxton Street 888.937.0004 Harrisburg, PA 17111 mymetrobank.corn 11/16/12 Wix,Wenger&Weidner Attorneys AT Law 4705 Duke St Harrisburg, PA 17109 RE: Estate of: Lynn H. Mannion Tax,identificatio.n Number: _ Date of Death: October 5,2012 To Whom it May Concern: This letter is in reference to decedent account information you requested for the individual listed above. The Principal Balance as of 10/5/2012 was$8,433.61. Please feel free to contact me directly at 717 412 6228 if I may be of further assistance. Sincerely, i lame .Lucchese Loan Servicing Department Metro Bank Schedule I , Exhibit 1 Parcel Identification Number: 01-21-0271-561 RECORDATION REQUESTED BY: METRO BANK CAMP HILL MALL 3201 TRINDLE ROAD CAMP HILL,PA 17011 When recorded mail to: First American Lenders Advantage 1100 Superior Avenue,Suite 200 Cleveland,Ohio 44114 Attn:Recording Coordinators SEND TAX NOTICES TO: Lynn H.Marmon 125 South 27th Street Camw Hill,PA 17011 FOR RECORDER'S USE ONLY 4 Cl�Alblcj g3007q78-:5 OPEN - END MORTGAGE AND SECURITY AGREEMENT (This instrument is an open-end mortggagge and secures future advances pursuant to 42 Pa. C.S. §§ 8143 and 8144,Act No. 126 of f 990) Amount Secured Hereby: $15,000.00 THIS MORTGAGE dated April 20, 2010, is made and executed between Lynn H. Mannion, whose address is 125 South 27th Street, Camp Hill, PA 17011 (referred to below as "Grantor") and METRO BANK, whose address is 3201 TRINDLE ROAD, CAMP HILL, PA 17011 (referred to below as "Lender"). GRANT OF MORTGAGE. For valuable consideration. Grantor grants, bargains, sells, conveys, assigns, transfers, releases, confirms and mortgages to Lender all of Grantor's right, title, and interest in end to the following described real property, together with all existing or subsequently erected or affixed buildings, improvements and fixtures; all streets, lanes, alleys, passages, and ways; all easements, rights of way, all liberties, privileges, tenements, hereditaments, and appurtenances thereunto belonging or anywise made appurtenant hereafter, and the reversions and remainders with respect thereto; all water, water rights, watercourses and ditch rights (including stock in utilities with ditch or irrigation rights); and all other rights, royalties, and profits relating to the real property, including without limitation all minerals, oil,gas,geothermal and similar matters, (the "Real Property") located in Cumberland County,.Commonwealth of Pennsylvania: See Exhibit"A", which is attached to this Mortgage and made a part of this Mortgage as if fully set forth herein. The Real. Property or its address is commonly known as 125 South 27th Street, Camp Hill, PA 17011. The Real Property parcel identification number is 01-21-0271-561. REVOLVING LINE OF CREDIT. This Mortgage secures the Indebtedness Including,without limitation,a revolving tare of cred'tt, which obligates Lender to make advances to Grantor unless Grantor fails to comply with aM the terms of the Credit Agreement. Such advances may be made, repaid, and remade from time to time, subject to the limitation that the total outstanding balance owing at any one time, not including finance charges on such balance at a fixed or variable rate or sum as provided in the Credit Agreement, any temporary overages, other charges, and any amounts expended or advanced as provided in this paragraph, shall not exceed the Credit Limit as provided in the Credit Agreement. It is the intention of Grantor and Lender that this Mortgage secures the balance outstanding under the Credit Agreement from time to time from zero up to the Credit Limit as provided in the Credit Agreement and any intermediate balance,phis interest. THIS MORTGAGE, INCLUDING THE ASSIGNMENT OF RENTS AND THE SECURITY INTEREST IN THE RENTS AND PERSONAL PROPERTY,IS GIVEN TO SECURE (A) PAYMENT OF THE INDEBTEDNESS AND (B) PERFORMANCE OF EACH OF GRANTOR'S AGREEMENTS AND OBLIGATIONS UNDER THIS MORTGAGE. THIS MORTGAGE IS GIVEN MORTGAGE Loan No: 930079785 (Continued) Page 2 AND ACCEPTED ON THE FOLLOWING TERMS: PAYMENT AND PERFORMANCE. Except as otherwise provided in this Mortgage, Grantor shall pay to Lender all amounts secured by this Mortgage as they become due and shall strictly perform all of Grantor's obligations under this Mortgage. POSSESSION AND MAINTENANCE OF THE PROPERTY. Grantor agrees that Grantor's possession and use of the Property shall be governed by the following provisions: Possession and Use. Until the occurrence of an Event of Default, Grantor may (1) remain in possession and control of the Property; (2) use,operate or manage the Property;and (3) collect the Rents from the Property. Duty to Maintain. Grantor shall maintain the Property In good condition and promptly perform all repairs, replacements,and maintenance necessary to preserve its value. Hazardous Substances. Grantor represents and warrants that the Property never has been, and never will be so long as this Mortgage remains a lien on the Property, used for the generation, manufacture, storage, treatment, disposal, release or threatened release of any Hazardous Substance in violation of any Environmental Laws. Grantor authorizes Lender and its agents to enter upon the Property to make such inspections and tests as Lander may deem appropriate to determine compliance of the Property with this section of the Mortgage. Grantor hereby (1) releases and waives any future claims against Lender for indemnity or contribution in the event Grantor becomes liable for cleanup or other costs under any such laws, and (2) agrees to indemnity, defend, and hold harmless Lender against any and all claims and losses resulting from a breach of this paragraph of the Mortgage. This obligation to indemnify and defend shall survive the payment of the Indebtedness and the satisfaction of this Mortgage. DUE ON SALE-CONSENT BY LENDER. Lender may,at Lender's option,declare immediately due and payable all sums secured by this Mortgage upon the sale or transfer, without Lender's prior written consent,of all or any part of the Real Property,or any Interest in the Real Property. A'sale or transfer'means the conveyance of Real Property or any right, title or interest in the Real Property; whether legal, beneficial or equitable;whether voluntary or involuntary;whether by outright sale, deed, installment sale contract, land contract, contract for deed, leasehold interest with a term greater than three (3)years,lease-option contract,or by sale,assignment,or transfer of any beneficial interest in or to any land trust holding title to the Real Property, or by any other method of conveyance of an interest in the Real Property. However,this option shall not be exercised by Lender if such exercise is prohibited by federal law or by Pennsylvania law. TAXES AND LIENS. The following provisions relating to the taxes and liens on the Property are part of this Mortgage: Payment. Grantor shall pay when due (and in all events prior to delinquency)all taxes,payroll taxes, special taxes, assessments, water charges and sewer service charges levied against or on account of the Property, and shall pay when due all claims for work done on or for services rendered or material furnished to the Property. Grantor shall maintain the Property free of any liens having priority over or equal to the interest of Lender under this Mortgage, except for the Existing Indebtedness referred to in this Mortgage or those liens specifically agreed to in writing by Lender, and except for the lien of taxes and assessments not due and except as otherwise provided in this Mortgage. PROPERTY DAMAGE INSURANCE. The following provisions relating to insuring the Property are a part of this Mortgage: Maintenance of Insurance. Grantor shall procure and maintain policies of fire insurance with standard extended coverage endorsements on a replacement basis for the full insurable value Covering all Improvements on the Real Property in an amount sufficient to avoid application of any coinsurance clause, and with a standard mortgagee clause In favor of Lender. Policies shall be written by such insurance companies and in such form as may be reasonably acceptable to Lender. Grantor shall deliver to Lender certificates of coverage from each insurer containing a stipulation that coverage will not be cancelled or diminished without a minimum of ten 00) days' prior written notice to Lender and not containing any disclaimer of the insurer's liability for failure to give such notice. Each insurance policy also shall include an endorsement providing that coverage in favor of Lender will not be impaired in any way by any act, omission or default of Grantor or any other person. Should the Real Property be located in an area designated by the Director of the Federal Emergency Management Agency as a special flood hazard area,Grantor agrees to obtain and maintain Federal Flood Insurance,if available,within 45 days after notice Is given by Lender that the Property is located in a special flood hazard area,for the maximum amount of Grantor's credit line and the full unpaid principal balance of any prior liens on the property securing the ban, up to the maximum policy limits set under the National Flood Insurance Program, or as otherwise required by Lender, and to maintain such insurance for the term of the loan. Tax and Insurance Reserves. Upon request by Lender and subject to applicable law, Grantor shall pay to Lender each month on the day payments are due under the Credit Agreement until the Credit Agreement is paid in full, a sum('Escrow Funds')equal to one-twelfth of (a) all annual taxes,special taxes, assessments, water charges and r � MORTGAGE Loan No: 930079785 (Continued) Page 3 sewer service charges levied against or on account of the Property and (b) annual premiums for policies of fire insurance with all risks standard extended coverage required under this Mortgage ("Escrow Items"). Lender may estimate the amount of Escrow Funds on the basis of current data and a reasonable estimate of future Escrow items. All Escrow Funds shall be held by Lender and applied to pay the Escrow Items when due. Lender will not charge for holding and applying the Escrow Funds, analyzing the account, or verifying the Escrow Items, unless Lender pays Grantor interest on the Escrow Funds and applicable law permits Lender to make such a charge. Grantor and Lender may agree in writing that interest shall be paid on the Escrow Funds. Unless an agreement is made or applicable law requires Interest to be paid, Lender shall not be required to pay Grantor any interest or earnings on the Escrow Funds. The Escrow Funds are pledged as additional security for the amounts secured by this Mortgage. If the amount of the Escrow Funds held by Lender,together with the future monthly payments of Escrow Funds prior to the due dates of the Escrow Items, shall exceed the amount required to pay the Escrow Items when due,the excess shall be,at Grantor Option,either promptly repaid to Grantor or credited to Grantor in scheduled payments of Escrow Funds, If the amount of the Escrow Funds held by Lender is not sufficient to pay the Escrow Items when due, Grantor shall pay to Lender any amount necessary to make up the deficiency in one or more payments as required by Lender. Lender's Expenditures. If Grantor fails (1) to keep the Property free of all taxes, liens, security interests, encumbrances, and other claims, (2) to provide any required insurance on the Property, 13) to make repairs to the Property or to comply with any obligation to maintain Existing Indebtedness in good standing as required below,then Lender may do so. If any action or proceeding is commenced that would materially affect Lender's interests in the Property, then Lender on Grantor's behalf may, but is not required to, take any action that Lender believes to be appropriate to protect Lender's interests. All expenses incurred or paid by Lender for such purposes will then bear interest at the rate charged under the Credit Agreement from the date incurred or paid by Lender to the date of repayment by Grantor. All such expenses will become a part of the Indebtedness and, at Lender's option, will (1) be payable on demand; (2) be added to the balance of the Credit Agreement and be apportioned among and be payable with any installment payments to become due during either (a) the term of any applicable insurance policy; or Ib) the remaining term of the Credit Agreement; or (3) be treated as a balloon payment which will be due and payable at the Credit Agreement's maturity. Grantor's obligation to Lender for all such expenses shall survive the entry of any mortgage foreclosure judgment. Warranty; Defense of Title. The following provisions relating to ownership of the Property are a part of this Mortgage: Title. Grantor warrants that: (a) Grantor holds good and marketable title of record to the Property in fee simple,free and clear of all liens and encumbrances other than those set forth in the Real Property description or in the Existing Indebtedness section below or in any title insurance policy, title report,or final title opinion issued in favor of, and accepted by, Lender in connection with this Mortgage, and (b) Grantor has the full right,power,and authority to execute and deliver this Mortgage to Lender. Defense of Title. Subject to the exception in the paragraph above, Grantor warrants and will forever defend the title to the Property against the lawful claims of all persons. Existing Indebtedness. The following provisions concerning Existing Indebtedness are a part of this Mortgage: Existing Lion. The lien of this Mortgage securing the Indebtedness may be secondary and inferior to the lien j securing payment of an existing obligation. The existing obligation has a current principal balance of approximately 663,300.00. Grantor expressly covenants and agrees to pay, or see to the payment of, the Existing Indebtedness and to prevent any default on such indebtedness, any default under the instrumems evidencing such indebtedness,or any default under any security documents for such indebtedness. Fun Performance. if Grantor pays all the Indebtedness when due,terminates the credit line account,and otherwise performs all the obligations imposed upon Grantor under this Mortgage,Lender shall execute and deliver to Grantor a suitable satisfaction of this Mortgage and suitable statements of termination of any financing statement on file evidencing Lender's security interest in the Rents and the Personal Property. Grantor will pay, if permitted by applicable law,any reasonable termination fee as determined by Lender from time to time. Events of Default. Grantor will be in default under this Mortgage if any of the following happen: (1) Grantor commits fraud or makes a material misrepresentation at any time in connection with the Credit Agreement. This can include, for example, a false statement about Grantor's income, assets, liabilities, or any other aspects of Grantor's financial condition. (2) Grantor does not meet the repayment terms of the Credit Agreement. (3) Grantor's action or inaction adversely affects the collateral or Lender's rights in the collateral. This can include,for example, failure to maintain required 'insurance, waste or destructive use of the dwelling, failure to pay taxes, death of all persons Gable on the account, transfer of title or sale of the dwelling,creation of a senior lien on the dwelling without Lender's permission,foreclosure by the holder of another lien,or the use of funds or the dwelling for prohibited purposes. Rigtrts and Remedies on Dafautt. Upon the occurrence of an Event of Default and at any time thereafter, Lender, MORTGAGE Loan No; 930079785 (Continued) Page 4 at Lender's option, may exercise any one or more of the following rights and remedies, In addition to any other rights or remedies provided by taw: Accelerate indebtedness. Lander shelf have the right at its option, after giving such notices as required by applicable law,to declare the entire Indebtedness immediately due and payable. UCC Ranvd'res. With respect to all or any part of the Personal Property, Lender shall have all the rights and remedies of a secured party under the Uniform Commercial Code. Judicial Foreclosure. Lender may obtain a judicial decree foreclosing Grantor's interest in all or any part of the Property. Nonjudicial Sale. If permitted.by applicable law,Lender may foreclose Grantor's interest in all or in any part of the Personal Property or the Real Property by non-judicial sale. Other Remedies. Lander shall have all other rights and remedies provided in this Mortgage or the Credit Agreement or available at law or in equity. Sale of the Property. To the extent permitted by applicable law, Grantor hereby waives any and all right to have the Property marshalled. In exercising its rights and remedies,Lender shall be free to sell all or any pan; of the Property together or separately, in one sale or by separate sales. Lender shall be entitled to bid at any public sale on all or any portion of the Property. Election of Remedies. All of Lender's rights and remedies will be cumulative and may be exercised alone or together. An election by Lender to choose any one remedy will not bar Lender from using any other remedy. If Lender decides to spend money or to perform any of Grantor's obligations under this Mortgage, after Grantor's failure to do so,that decision by Lender will not affect Lender's right to declare Grantor in default and to exercise Lender's remedies. Attorneys' Fees; Expanses. If Lender institutes any suit or action to enforce any of the terms of this Mortgage, Lender shall be entitled to recover such sum as the court may adjudge reasonable as anomeys' fees at trial and upon any appeal. Whether or not any court action is involved, and to the extent not prohibited by law,all reasonable expenses Lender incurs that in Lender's opinion are necessary at any time for the protection of its Interest or the enforcement of its rights shall become a part of the Indebtedness payable on demand and shall bear interest at the Credit Agreement rate from the date of the expenditure until repaid. Expenses covered by this paragraph include, without limitation, however subject to any limits under applicable law. Lender's reasonable attorneys' fees and Lender's legal expenses, whether or not there is a lawsuit, including reasonable attorneys' fees and expenses for bankruptcy proceedings (including efforts to modify or vacate any automatic stay or injunctionl, appeals, and any anticipated post judgment collection services, the cost of searching records, obtaining title reports lincluding foreclosure reports), surveyors' reports, and appraisal fees and title insurance,to the extent permitted by applicable law. Grantor also will pay any court costs,in addition to all other sums provided by law. Advance Money Mortgage. (1) This Mortgage secures future advances made pursuant to the Credit Agreement or Related Documents. Without r'aniting the foregoing,this Mortgage secures all advances made by Lender or Banks of any kind or nature described in 42 Pa. C.S.A. § 8144. (2) If Grantor sends a written notice to Lender which purports to limit the indebtedness secured by this Mortgage arid to release the obligation of Lender to make any additional advances to or for the benefit of Grantor, such a notice shall be ineffective as to any future advances made; (a) to enable completion of the improvements on the Real Property for which the loan secured hereby was originally made; lb) to pay taxes, assessments, maintenance charges and Insurance premiums; (c) for costs incurred for the protection of the Property or the lien of this Mortgage; (d) on account of expenses incurred by Lender by reason of a default of Grantor hereunder or under the Related Documents or under the Credit Agreement;and (a) on account of any other costs incurred by Lender to protect and preserve the Property or the lien of this Mortgage. It is the intention of the parties hereto that any such advance made by Lander after any such notice by Grantor shall be secured by the lien of this Mortgage on the Property. Miscellaneous Provisions. The following miscellaneous provisions are a part of this Mortgage: Governing Law. This Mortgage will be governed by federal law applicable to Lends and,to the extent not preempted by federal law, the laws of the Commonwealth of Pennsylvania without regard to its conflicts of law provisions. This Mortgage has been accepted by Lender In the Commonwealth of Pennsylvania. Time is of the Essence. Time is of the essence in the performance of this Mortgage. Definitions. The following words shall have the following meanings when used in this Mortgage: Borrower. The word 'Borrower" means Lynn H. Mannion and includes all co-signers and co-makers signing the Credit Agreement and all their successors and assigns. Credit Agreement. The words "Credit Agreement' mean the credit agreement dated April 20, 2010, with li I I i MORTGAGE Loan No: 930079785 (Continued) Page 5 Credit limit of $15,000.00 from Grantor to Lender, together with all renewals of, extensions of, modifications of, refinancings of, consolidations of, and substitutions for the promissory note or agreement. NOTICE TO GRANTOR: THE CREDIT AGREEMENT CONTAINS A VARIABLE INTEREST RATE. Environmental! Laws. The words "Environmental Laws" mean any and all state, federal and local statutes, regulations and ordinances relating to the protection of human health or the environment, including without limitation the Comprehensive Environmental Response, Compensation, and Liability Act of 1980,as amended, 42 U.S.C. Section 9601, et seq. ("CERCLA'), the Superfund Amendments and Reauthorization Act of 1986, Pub. L. No.99-499 ("SARA"), the Hazardous Materials Transportation Act, 49 U.S.C. Section 1801,et seq., the Resource Conservation and Recovery Act, 42 U.S.C. Section 6901, et seq., or other applicable state"or federal laws,rules,or regulations adopted pursuant thereto, Event of Default. The words "Event of Default" mean any of the events of default set forth in this Mortgage in the events of default section of this Mortgage. Existing Indebtedness. The words "Existing Indebtedness" mean the indebtedness described in the Existing Liens provision of this Mortgage. Grantor. The word'Grantor"means Lynn H.Mannion. Indebtedness. The word"Indebtedness" means all principal, interest,and other amounts,costs and expenses payable under the Credit Agreement or Related Documents, together with all renewals of, extensions of, modifications of, consolidations of and substitutions tot the Credit Agreement or Related Documents and any amounts expended or advanced by Lender to discharge Grantor's obligations or expenses incurred by Lender to enforce Grantor's obligations under this Mortgage, together with interest on such amounts as provided in this Mortgage. 'The liens and security interests created pursuant to this Mortgage covering the Indebtedness which may be created in the future shall relate back to the date of this Mortgage. Lender. The word 'Lender' means METRO BANK; Its successors and assigns. The words "successors or assigns'mean any person,or company that acquires any interest in the Credit Agreement. Mortgage. The word "Mortgage" means this Mortgage between Grantor and Lender. Personal Property. The words 'Personal Property'mean all equipment, fixtures, and other articles of personal property now or hereafter owned by Grantor, and now or hereafter attached or affixed to the Real Property; together with all accessions, parts, and additions to, all replacements of,and all substitutions for,any of such property; and together with all proceeds (including without limitation all insurance proceeds and refunds of premiums)from any sale or other disposition of the Property. Property. The word"Property"means collectively the Real Property and the Personal Property. Real Property. The words"Real Property' mean the real property, interests and rights, as further described in this Mortgage. Related Documents. The words "Related Documents" mean all promissory notes, credit agreements, loan agreements, environmental agreements, guaranties, security agreements, mortgages, deeds of trust, security deeds, collateral mortgages, and all other instruments, agreements and documents, whether now or hereafter existing,executed in connection with the Indebtedness. Rents. The word "Rents" means all present and future rents,revenues, income, issues, royalties, profits,and other benefits derived from the Property. GRANTOR ACKNOWLEDGES HAVING READ ALL THE PROVISIONS OF THIS MORTGAGE, AND GRANTOR AGREES TO ITS TERMS. THIS MORTGAGE IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS MORTGAGE IS AND SHALL CONSTITUTE AND HAVE THE EFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW. GRANTOR: (Seal) Lynn el.Marmon MORTGAGE Loan No-. 930079785 (Continued) Page 6 CERTIFICATE OF RESIDENCE I hereby certify,Mat the precise address of the mortgagee,METRO BANK,herein is as follows: CAMP HILL MALL,3201 TRINDLE ROAD,CAMP HILL,PA 17011 Attorney or Agent for Mortgagee INDIVIDUAL ACKNOWLEDGMENT COMMONWEALTH OF PENNSYLVANIA ► SS COUNTY OF��mr��, 1 ► On this,the day of t'-7 j , 20 l V ,before me the undersigned Notary Public,personally appeared Lynn H. Mannion,known to m tors sfactorily pro en) to be the person whose name Is subscribed to the within instrument, and acknowledged that he or she executed the same for the purposes therein contained. In witness whereof,I hereunto set my hand and offic 1 seal. COMMONWEALTH OF PENNSYLVANIA NobtA�8" P blic in and for the State of K PI Jylnlle M.Gaims.Notary Public Lower Allen T*p.,Cumberland CMMW My CorhmlWon Expires Jan.18,2012 Member,ftnftylvrfnU Assodbtlon of Notaries LASER PRO Lending, Ver. 5.48.10.001 Copr. Harland Financial Solutions, Inc. 1997, 2010. All Rights Reserved. PA S:\CFI\LPL\G03.FC TR-30984 PR-187 EXHIBIT A ALL THAT CERTAIN LOT OF GROUND SITUATE IN THE BOROUGH OF CAMP HILL, CUMBERLAND COUNTY, PENNSYLVANIA, MORE PARTICULARLY BOUNDED AND DESCRIBED AS FOLLOWS, TO WIT: BEGINNINING AT A POINT ON THE EASTERN SIDE OF SOUTH 27TH STREET AT LANDS NOW OR LATE OF SHEPARD; THENCE ALONG THE EASTERN SIDE OF SOUTH 27TH STREET IN A SOUTHERLY DIRECTION 72.6 FEET TO THE NORTHERN SIDE OF A 10-FEET-WIDE ALLEY; THENCE ALONG THE NORTHERN SIDE OF SAID TEN-FEET-WIDE ALLEY IN AN EASTERLY DIRECTION 201.31 FEET TO THE WESTERN SIDE OF A 15-FEET-WIDE ALLEY; THENCE ALONG THE WESTERN SIDE OF SAID 15-FEET-WIDE ALLEY IN A NORTHERLY DIRECTION 49.6 FEET TO LANDS NOW OR LATE OF SHEPARD, THENCE ALONG SAID LAST MENTIONED LANDS IN A WESTERLY DIRECTION 200 FEET TO THE EASTERN SIDE OF SOUTH 27TH STREET, THE PLACE OF BEGINNING. HAVING THEREON ERECTED A TWO-STORY BRICK AND FRAME DWELLING KNOWN AS NO. 125 SOUTH 27TH STREET. BEING PART OF LOT NO. 40 AND ALL OF LOT NO. 41 ON A PLAN OF LOTS LAID OUT BY E.N. COOPER, SAID PLAN BEING RECORDED IN CUMBERLAND COUNTY RECORDER'S OFFICE IN PLAN BOOK 1, PAGE 43. Permanent Parcel Number: 01-21-0271-561 LYNN H. MANNION 125 SOUTH 27TH STREET, CAMP HILL PA 17011 Loan Reference Number 18321/1017 First American Order No: 41959074 Identifier: FIRST AMERICAN EQUITY LOAN SERVICES 11111 S M11111111 MANNION PA 41959074 FIRST AMERICAN ELS OPEN END MORTGAGE IIIIIIII 11115111111111111111111 111111111uu111 ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number-201011065 Recorded On 5/3/2010 At 8:06:08 AM *Total Pages-8 *Instrument Type-MORTGAGE Invoice Number-64813 User ID-MSW *Mortgagor-MANrIION,LYNN H *Mortgagee-METRO BANK *Customer-FIRST AMERICAN *FEES STATE WRIT TAR $0.50 Certification Page STATE JCS/ACCESS TO $23.50 JUSTICE DO NOT DETACH RECORDING FEES — $17.50 RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 This page is now part IEES of this legal document. AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 TOTAL PAID $66.00 I Certify this to be recorded in Cumberland County PA Of a 4e ° RECORDER O D DS nao *-Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 1000FYI f f III Illl�lllll l l��l�ll�llfll Page 2at3 CITIMORTGAGE,INC. PO BOX 6243. SIOUX FALLS SD 57117-6243 CitiMortMe,Inc. For Information Call:14800-283-7918'* LYNN H MANNION Customer Service Hours: -- ESTATE OF Monday-Friday 7:00 AM-12:00 MIDNIGHT ET 125 S 27TH ST Saturday 8:00 AM-8:00 PM ET CAMP HILL PA 17011 4503 Sunday 10..00 AM-10:00 PM ET TTY Services:Dial 711 from the US; Z Dial 1-866-280-2050 from Puerto Rioo zN Or visit our Websibe at WWW_GMMORTGAGE.COM zo Zo Z`Q Z . o Zo Account'NiliM (sj 0629960938' Properly Address: Z 0 125 S.27TH STREET za CAMP HILL PA 17011 Z ❑ CORRECTED (if checked). RECIPIENTS/LENDER'S name,address,and telephone number •Caution:Theamountshown' OMB No.1545-0901 CITIMORTGAGE, INC. may not be My deductible by PO BOX 6243: You.Limits based on the loan Mortgage amount and the cost and value of O SIOUX FALLS SD 57117-6243 me sea Interest Ats4 you may only deduct interest Statement to the extent it was incurred by CUSTOMER SERVICE- 9800-283-7918`* youactuailypaidbyyou,andnot n mbursedbyano persom form 1098 RECIPIENTS federal identification no. PAYER'S social security number 1 Mortgage interest received from payers)/borrower($)* Copy B 13-3222578 - $ 3,700.84 For Payer/Borrower PAYER'S/BORROWER'S name 2 Points paid on purchase of principal residence The in in boxes 1,2,and 3 is important tax LYNN H MANNION information and is beingq furnished to the tntemai ESTATE OF $ Revenue Service.if you are required to file a return,a 3 Refund of overpaid interest M Street address Gnduding apt no.) � negligence penally or .- 125 S 27TH ST sanction may be imposed $ on you if the IRS determines m Gty,state and ZIP.code 4 that an underpayment of o CAMP HILL,PA 170114503 tax results because you . overstated a deductionfor this mortgage interest or for Account number(See instructions) these points or because ou 0629960938 did noreepot t s ' of interest return Form 1098 (ke6o for your records) Department of the Treasury - internal Revenue Service ' I ��S;.ti:��?'��:7;°�iYr:��d„�y"f,..nSCZF�!�{i;M�•f�,ciSrx�.h'.Y.i>iklr��r.;vie.�iFerimgm<C�'nu}ie�.��ts��''.2��}%�%ia�l.t�S{�?r. ��:n� . zz�y�4�, irBa1��'�?cantl fiterest3St�Tiient��,�i�u, � Sb�,tirs�i4ty��,��,r�Fs SEE REVERSE SIDE FOR ADDITIONAL INFORMATION 5!r,<r�.swf in;x?6tuF1W��Tv.�:arol1�'1'�u,vU..�}.4a;�.,,r�._.uS,xG.,��ft�'}�.'.rArt_z�{t�}b�.':a�,ki��l'�S��:I.��5v21t4ftriL'A�a��>.�s.,�ilS;rnr,^,+'P/R,9lttX?�tta1V.WC;::.uExh:,;�tx�9ttt+;:'.�,,..,^v'72r„2'et±y�!tk;iLmL^�3C'A}.�:76•Cn,.J a'P..�smdrMSa9hx.^vFSr,.:�,xa41WHUaL�S1�'✓,7s1nTL:`"_.,��.:sz1i8:MT:.t�i):�r PRINCIPAL BALANCE INFORMATION INTEREST INFORMATION ENDING $59.614.59 GROSS INTEREST APPLIED $3.700.84 NET INTIEREST PAID(SEE BOX 1) $3.700.84 I IMPORTANT MESSAGES This 2012 Form 1098 contains information that will be reported to the Internal Revenue Service.Principal Balance and Real Estate Tax amounts are for informational purposes only. Refer to the back of this statement for other important messages and instructions. Please consult with your tax advisor or the Internal Revenue Service for any tax related questions. Schedule I, Exhibit 2 �. -IEGLE v, r c RLt:'iG couta 2S _ Pil 2 -4 When recorded mail tot ABN AMRO MORTGAGE GROUP, INC. P.O. BOX 5064 TROY, MICHIGAN 48084 ATTUsPINAL/TRAILING DOCUMENTS S LOAN #: 629960938 [Space Above Tbb IJne For Recording Data] MORTGAGE DEFINITIONS Words used m multiple sections cifthis document are defined below and other words are defined in Sections 3,11,13, 18,20 and 21.Certain Hiles regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument"means this document,which is dated NOVEMBER 19, 2002, together with all Riders to this document. (B) `Borrower"is LYNN H MANNION, A SINGLE WOMAN. Borrower is the mortgagor under this Security Instrument. (C) "Lender"is ABN AMRO MORTGAGE GROUP, INC. Lender is a CORPORATION organized and existing under the laws of DELAWARE. Lender's address is 2600 W. BIG BEAVER RD., TROY, MICHIGAN 48084. Lender is the mortgagee under this Security Instrument. Initials:QD�L ;j},_� PENNSYLVANIA—Single Family—Fannie Mae/Freddle Mae UNIFORM INSTRUMENT Form 30391/01 Page 1 of 15 PAUDEED PAUDEDL 0109 17 �. . J22 LOAN #: 629960938 (D) "Note"means the promissory note signed by Borrower and dated NOVEMBER 19, 2002. The Note states that Borrower owes Lender *************SEVENTY ONE. THOUSAND AND HO/100 ********►**************************:************Dollars(U.S $71,000.00 ) plus interest Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than DECEMBER 1, 2032. (E) `Property"means the property that is described below under the heading "Transfer of Rights in the Property.,' (F) "Loan"means the debt evidenced by the Note,plus interest,any prepayment charges and late charges due under the Note,and all sums due under this Security Instrument,plus interest. (G) "Riders"means all Riders to this Security Instrument that are executed by Borrower.The following Riders are to be executed by Borrower[check box as applicable]: C]Adjustable Rate Rider D Condominium Rider Cl Second Home Rider Balloon Rider D Planned Unit Development Rider C7 Other(s)[specify] 1-4 Family Rider Biweekly Payment Rider (H) "Applicable Law"means all controlling applicable federal,state and local statutes,regulations,ordinances and administrative rules and orders(that have the effect of law)as well as all applicable final,non-appealable judicial opinions. (I) "Community Association Dues, Fees, and Assessments" means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association,homeowners association or similar organization. (J) "Electronic Funds Transfer"meansanytransferoffimds,other thanatransactionoriginatedby check,dratt or similar paper instrument,which is initiated through an electronic terminal,telephonic instrument,computer, or magnetic tape so as to order,instruct,or authorize a financial institution to debit or credit an account.Such term includes,but is not limited to,point-of-sale transfers,automated teller machine transactions,transfers initiated by telephone,wire transfers,and automated clearinghouse transfers. (I) "Escrow Items"means those items that are described in Section 3. (L) I°Miscellaneous Proceeds"means any compensation,settlement,award of damages,or proceeds paid by any third party(other than insurance proceeds paid under the coverages described in Section 5)for:(i)damage to,or destruction of, the Property, (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation;or(iv)misrepresentations of,or omissions as to,the value and/or condition of the Property. (M)"Mortgage Insurance"means insurance protecting Lender against the nonpayment of or default on,the Loan. (N) "Periodic Payment"means the regularly scheduled amount duefor(i)principal and interest underthe Note, plus(ii)any amounts under Section 3 of this Security Instrument. (0) "RESPA"means the Real Estate Settlement Procedures Act(12 U.S.C.§2601 et seq.)and its implementing regulation,Regulation X(24 C.F.R.Part 3500),as they might be amended from time to time,or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA"refers to all requirements and restrictions that are imposed in regard to a"federally related mortgage loan"even if the Loan does not qualify as a"federally related mortgage loan"under RESPA- initials" y, PENNSYLVANIA-Si4c Family—Fannie MaelFreddle Mac UNIFORM INSTRUMENT Form 30391/01 Page 2 of 15 PAUDEDL LOAN #t 629960938 (P) "Successor in Interest of Borrower"means anyparty that has taken title to the Property,whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender. (i) the repayment of the Loan, and all renewals, extensions and modifications of the Note;and(ii)the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to Lender the following described property located in the COUNTY [Type ofRecoM4 Jurisdiction]of CUMBERLAND [Name of Recording Jurisdiction]: SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF. which currently has the address of 125 S 27TH STREET, CAMP HILL, [sal[mi] Pennsylvania 17011 ("Property Address"): [zip codel TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances,and fixtures now or hereafter a part of the property.All replacements and additions shall also be coveredbythis Security Instrument.All oftheforegoing is referredto inthis SecurityInstrumcntas the"Property." BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage,grant and convey the Property and that the Property is unencumbered,except for encumbrances of record.Borrowerwarrants and will defendgenerally the title to the Property against all claims anddemands,subject to any encumbrances of record. THIS SECURITY INSTRUMENT combines uniform covenants for national use and non-uniform covenants with limited variations by jurisdiction to constitute a uniform security instrument covering real property. UNIFORM COVENANTS.Borrower and Lender covenant and agree as follows: L Payment of Principal,Interest,Escrow Items,Prepayment Charges,and Late Charges.Borrower shall pay when due the principal of,and interest on,the debt evidenced by the Note and any prepayment charges and late charges due under theNote.Borrower shall aisopay funds for Escrow Items pursuant to Section 3.Payments due under the Note and this Security Instrument shall be made in U.S.currency.However,if any check or other instrument received by Lender as payment under the Note or this Security Instrument is returned to d, Initials r PENNSYLVANIA—Sine Faudly—Farude Mae/Freddie Mae UNIFORM INSTRUMENT Form 3039 l/ol Page 3 of 15 PAUDEDL LOAN #s 629960938 Lender may require that any or all subsequent payments due under the Note and this Security Instrument be made in one or more of the following forms,as selected by Lender:(a)cash;(b)money order,(c)certified check,bank check,treasurer's check or cashier's check,provided any such check is drawn upon an institution whose deposits are insured by a federal agency,instrumentality,or entity,or(d)Electronic Funds Transfer. Payments are deemed received by Lender when received at the location designated in the Note or at such other . location as may be designated by Lender in accordance with the notice provisions in Section 15.Lender may return any payment or partial payment ifthe payment or partial payments are insufficient tobring the Loan curem.Lender may accept any payment or partial payment insufficient to bring the Loan current,without waiver of any rights hereunder or prejudice to its rights to refuse such payment or partial payments in the future,but Lender is not obligated to apply such payments at the time such payments are accepted If each Periodic Payment is applied as of its scheduled due date,then Lender need not pay interest on unapplied funds.Lender may hold such unappiied fundsuntil Borrower makespayment to bring theLoancurrent.IfBorrower does notdosowithin areasonable period of time,Lender shall either apply such funds or return them to Borrower.If not applied earlier,such funds will be applied to the outstanding principal balance under the Note immediately prior to foreclosure.No offset or claim which Borrower might have now or in the future against Lender shall relieve Borrower from making payments due under the Note and this Security Instrument or performing the covenants and agreements secured by this Security Instrument. 2. Application of Payments or Proceeds Except as otherwise described in this Section 2,all payments accepted and applied by Lender shall be applied in the following order of priority:(a)interest due under the Note; (b)principal due under the Note;(c)amounts due under Section 3.Such payments shall be applied to each Periodic Payment in the order in which it became due.Any remaining amounts shall be applied first to late charges,second to any other amounts due under this Security Instrument,and then to reduce the principal balance of the Note. If Lender receives a payment from Borrower for a delinquent Periodic Payment which includes a sufficient amount to pay any late charge due,the payment may be applied to the delinquent payment and the late charge.If more than one Periodic Payment is outstanding,Lender may apply any payment received from Borrower to the repayment of the Periodic Payments ig and to the extent that,each payment can be paid in full.To the extent that any excess exists after the payment is applied to the full payment of one or more Periodic Payments,such excess may be applied to any late charges due.Voluntary prepayments shall be applied first to any prepayment charges and then as described in the Note. Any application of payments,insurance proceeds,or Miscellaneous Proceeds to principal due under the Note shall not extend or postpone the due date,or change the amount,of the Periodic Payments. 3. Funds for Escrow Items.Borrower shall pay to Lender on the day Periodic Payments are due under the Note,until the Note is paid in full,a sum(the"Funds")to provide for payment of amounts due for.(a)taxes and assessments and other items which can attain priority over this Security Instrument as a lien or encumbrance on the Property;(b)leasehold payments or ground rents on the Property,if any,(c)premiums for any and all insurance requiredbyLenderunder Section 5;and(d)Mortgage Insurancepremiums,ifany,orany sums payablebyBorrower to Lender in lieu ofthe payment of Mortgage Insurance premiums in accordance with the provisions of Section 10. These items are called"Escrow Items."At origination or at any time during the term of the Loan,Lender may require that Community AssociationDues,Fees,and Assessments,if any,be escrowed by Borrower,and such dues, fees and assessments shall be an Escrow Item.Borrower shall promptly famish to Lender all notices of amounts to be paid under this Section. Borrower shall pay Lender the Funds for Escrow Items unless Lender waives Borrower's obligation to pay the Funds for any or all Escrow Items.Lender may waive Borrower's obligation to pay to Lender Funds for any or all Escrow Items at any time.Any such waiver may onlybe in writing evnt Initials PENNSYLVANIA—Single Family—Fannk MaefFreddle Mac UNIFORM INSTRUMENT Form 30391101 Page 4 of 15 PAUDEDL LOAN #: 629960938 of such waiver.Borrower shall pay directly,when and where payable,the amounts due for any Escrow Items for which payment of Funds has been waived by Lender and, if Lender requires, shall furnish to Lender receipts evidencing such payment within such time period as Lender may require.Borrower's obligation to make such payments and to provide receipts shall for all purposes be deemed to be a covenant and agreement contained in this Security Instrument,as the phrase"covenant and agreement"is used in Section 9.If Borrower is obligated to pay Escrow Items directly,pursuant to a waiver,and Borrower fails to pay the amount due for an Escrow Item,Lender may exercise its rights under Section 9 and pay such amount and Borrower shall then be obligated under Section 9 to repay to Lender any such amount.Lender may revoke the waiver as to any or all Escrow Items at any time by a notice given in accordance with Section 15 and,upon such revocation,Borrower shall pay to Lender all Funds, and in such amounts,that are then required under this Section 3. Lender may,at anytime,collect and hold Funds in an amount(a)sufficient to permit Lenderto apply the Funds at the time specified underRESPA,and(b)not to exceed the maximum amount a lender can require underRESPA. Lender shall estimate the amount ofFunds due on the basis ofcurrent data and reasonable estimates ofexpenditures of future Escrow Items or otherwise in accordance with Applicable Law. The Funds shall be held in an institution whose deposits are insured by a federal agency,instrumentality,or entity(including Lender,if Lender is an institution whose deposits are so insured)or in any Federal Home Loan Bank Lender shall apply the Funds to pay the Escrow Items no later than the time specified under RESPA.Lender shall not charge Borrower for holding and applying the Funds,annually analyzing the escrow aoconnt,or verifying the Escrow Items,unless Underpays Borrower interest on the Funds and Applicable Law permits Lender to make such a charge.Unless an agreement is made in writing or Applicable Law requires interest to be paid on the Funds, Lender shall not be required to pay Borrower any interest or earnings on the Funds.Borrower and Lender can agree in writing,however,that interest shall be paid on the Funds.Lender shall give to Borrower,without charge,an annual accounting of the Funds as required by RESPA. If there is a surphrs ofFunds held in escrow,as defined under RESPA,Lender shall account to Borrower for the excess funds in accordance with RESPA.If them is a shortage ofFunds held in escrow,as defined underRESPA, Lender shall notify Borrower as required by RESPA,and Borrower shall pay to Lender the amount necessary to make up the shortage in accordance with RESPA,but in no more than 12 monthly payments.Ifthere is a deficiency of Funds held in escrow,as defined under RESPA,Lender shall notify Borrower as required by RESPA, and Borrower shall pay to Lender the amount necessary to make up the deficiency in accordance with RESPA,but in no more than 12 monthly payments. Upon payment in full ofall sums secured by this Security Instrument,Lender shallpromptly refundto Borrower any Funds held by Lender. 4. Charges;Liens Borrower shall pay all taxes,assessments,charges,fines,and impositions attributable to the Property which can attain priority over this Security Instrument,leasehold payments or ground rents on the Property,if any,and Community Association Dues,Fees,and Assessments,if any.To the extent that these items are Escrow Items,Borrower shall pay them in the manner provided in Section 3. Borrower shall promptly discharge any lien which has priority over this Security Instrument unless Borrower; (a)agrees in writing to the payment of the obligation seared by the lien in a manner acceptable to Lender,but only so long as Borrower is performing such agreement; (b)contests the lien in good faith by,or defends against enforcement of the lien in,legal proceedings which in Lender's opinion operate to prevent the enforcement of the lien while those proceedings are pending,but only until such proceedings are concluded;or(c)secures from the holder of the lien an agreement satisfactory to Lender subordinating the lien to this Security Instrument.If Lender determines that any part of the Property is subject to a lien which can attain priority over this Secur e Initials PENNSYLVANIA-Single Family—Fannie MadFmidie Mae UNIFORM INSTRUMENT Form 30391/01 Page S of 15 PAUDEDL :.3 �� - 26 LOAN {: 629960938 Lender may give Borrower a notice identifying the lien.Within 10 days of the date on which that notice is given, Borrower shall satisfy the lien or take one or more of the actions set forth above in this Section 4. Lender may require Borrowerto pay a one-time charge fora real estate taxverification and/or reporting service used by Lender in connection with this Loan. 5. Property Insurance.Borrower shall keep the improvements now existing or hereafter erected on the Propertyinsrrredagainst loss byfire,hazards included within the term"extendedcoverage,"and any other hazard s including,but not limited to,earthquakes and floods,for which Lender requires insurance.This insurance shall be maintained in the amounts(including deductible levels)and for the periods that Lender requires.What Lender requires pursuant to the preceding sentences can change during the term of the Loan. The insurance carrier providing the insurance shall be chosen by Borrower subject to Lender's right to disapprove Borrower's choice, which right shall notbe exercised unreasonably.Lender may require Borrower to pay,in connection with this Loan, either:(a)a one-time charge for flood zone determination,certification and tracking services;or(b)a one-time charge for flood zone determination and certification services and subsequent charges each time remappings or similar changes occur which reasonably might affect such determination or certification.Borrower shall also be responsibleforthepaymentofanyfees imposedbythe Federal Emergency Management Agency in connection with the review of any flood zone determination resulting from an objection by Borrower. if Borrower fails to maintain any of the coverages described above,Lender may obtain insurance coverage, atLender's optionandBorrower's expense.Lenderis under noobligation topurchase anyparticulartypeor amount of coverage.Therefore,such coverage shall cover Lender,but might or might not protect Borrower,Borrower's equity in theProperty,or the contents of the Property,against any risk,hazard or liability and might provide greater or lesser coverage than was previously in effect.Borrower acknowledges that the cost of the insurance coverage so obtained might significantly exceed the cost of insurance that Borrower could have obtained.Any amounts disbursed by Lender under this Section 5 shall become additional debt of Borrower secured by this Security Instrument.These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable, with such interest,upon notice from Lender to Borrower requesting payment. All insurance policies required by Lender and renewals of such policies shall be subject to Lender's right to disapprove such policies,shall include a standard mortgage clause,and shall name Lender as mortgagee and/or as an additional loss payee.Lender shall have the right to hold the policies and renewal certificates.If Lender requires,Borrower shall promptly give to Lender all receipts of paid premiums and renewal notices.ff Borrower obtains any form of insurance coverage,not otherwise required by Lender,for damage to,or destruction of,the Property,such policy shall include a standard mortgage clause and shall name Lender as mortgagee and/or as an additional loss payee. In the event of loss,Borrower shall give prompt notice to the insurance carrier and Lender.Lender may make proof of loss if not trade promptly by Borrower.Unless Lender and Borrower otherwise agree in writing,any insurance proceeds, whether or not the underlying insurance was required by Lender, shall be applied to restoration or repair of the Property,if the restoration or repair is economically feasible and Lender's security is not lessened. During such repair and restoration period,Lender shall have the right to hold such insurance proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction,provided that such inspection shall be undertaken promptly.Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. Unless anagreement is made in writing or ApplicableLawrequires interest tobepaid on suchinsurance proceeds, Lender shall not be required to pay Borrower any interest or earnings on such proceeds.Fees for public adjusters, or other third parties,retained by Borrower shall not be paid out of the insurance proceeds and o1e Initials ' PENNSYLVANIA—Sk4c Family—Famde Mae/Freddte Mae UNIFORM INSTRUMENT Form 30391/01 Page 6 of 15 PAUDEDL 0527 . LOAN #u 629960938 obligation of Borrower.If the restoration or repair is not economically feasible or Lender's security would be lessened,the insurance proceeds shall be applied to the sums secured by this Security Instrument,whether or not then due,with the excess,if any,paid to Borrower.Such insurance proceeds shall be applied in the order provided for in Section 2. If Borrower abandons the Property,Lender may file,negotiate and settle any available insurance claim and related matters.If Borrower does not respond within 30 days to a notice from Lender that the insurance carrier has offered to settle a claim,then Lender may negotiate and settle the claim.The 30-day period will begin when the notice is given.In either event,or if Lender acquires the Property under Section 22 or otherwise,Borrower hereby assigns to Lender(a)Borrower's rights to any insurance proceeds in an amount not to exceed the amounts unpaid under the Note or this Security Instrument,and(b)any other of Borrower's rights(other than the right to any refund ofunearned premiums paid by Borrower)under all insurance policies covering the Property,insofar as such rights are applicable to the coverage ofthe Property.Lender may use the insuranceproceeds either to repair or restore the Property or to pay amounts unpaid under the Note or this Security lnstrument,whether or not then due. 6. Occupancy.Borrower shall occupy,establish,and use the Property as Borrower's principal residence within 60 days after the execution of this Security Instrument and shall continue to occupy the Property as Borrower's principal residence for at least one year after the date of occupancy,unless Lender otherwise agrees in writing,which consent shall not be unreasonably withheld,or unless extenuating circumstances exist which are beyond Borrower's control. 7. Preservation,Maintenance and Protection of the Property;Inspections.Borrower shall not destroy, damage or impair the Property,allow the Property to deteriorate or commit waste on the Property.Whether or not Borrower is residing in the Property,Borrower shall maintain the Property in order to prevent the Property from deteriorating or decreasing in value due to its condition.Unless it is determined pursuant to Section 5 that repair or restoration is noteconomically feasible,Borrower shall promptly repair the Property ifdamaged to avoid further deteriorationordamage.Ifinsurance oroondemnation proceeds are paid in connection with damage to,orthetaking of,the Property,Borrower shall be responsible for repairing or restoring the Property only if Lender has released proceeds for such purposes.Lender may disburse proceeds for the repairs and restoration in a single payment or in a series of progress payments as the work is completed. If the insurance or condemnation proceeds are not sufficient to repair or restore the Property,Borrower is not relieved of Borrower's obligation for the completion of such repair or restoration. Lenderor its agent may make reasonable entries upon and inspections ofthe Property.Ifit has reasonable cause, Lender may inspect the interior ofthe improvements on the Property.Lender shall give Borrower notice at the time of or prior to such an interior inspection specifying such reasonable cause. S. Borrower's Loan Application.Borrower shall be in default if,during the Loan application process, Borrower or any persons or entities acting at the direction of Borrower or with Borrower's knowledge or consent gave materially false,misleading,or inaccurate information or statements to Lender(or failed to provide Lender with material information)in connection with the Loan.Material represernations include,but are not limited to, representations concerning Borrower's occupancy of the Property as Borrower's principal residence. 9. Protection of Lender's Interest in the Property and Rights Under this Security Instrument.If(a) Borrower fails to perform the covenants and agreements contained in this Security Instrument,(b)there is a legal proceeding that might significantly affect Lender's interest in the Property and/or rights under this Security Instrument(such as a proceeding in bankruptcy,probate,for condemnation or forfeiture,for enforcement of a lien which may attain priority over this Security Instrument or to enforce laws or regulations),or( a llas initials {� PENNSYLVANIA—Siugte Family—Frnade Mae/Freddie Mae UNIFORM INSTRUMENT Form 30391/01 Page 7 of 15 PAUDE.DL t' J5 $ LOAN #: 629960938 abandoned the Property,then Lender may do.and pay for whatever is reasonable or appropriate to protect Lender's interest in the Property and rights under this Security Instrument,including protecting and/or assessing the value of the Property,and securing and/or repairing the Property.Lender's actions can include,but are not limited to: (a)paying any sums secured by a lien which has priority over this Security Instrument;(b)appearing in court;and (c)paying reasonable attorneys' fees to protect its interest in the Property and/or rights under this Security Instrument,including its secured position in a bankruptcy proceeding.Securing the Property includes,but is not limited to,entering the Property to make repairs,change locks,replace or board up doors and windows,drain water from pipes,eliminate building or other code violations or dangerous conditions,and have utilities turned on or oil Although Lender may take action under this Section 9,Lender does not have to do so and is not under any duty or obligation to do so.It is agreed that Lender incurs no liability for not taking any or all actions authorized under this Section 9. Any amounts disbursed by Lender under this Section 9 shall become additional debt of Borrower secured by this Security Instrument.These amounts shall bear interest at the Note rate from the date of disbursement and shall be payable,with such interest,upon notice from Lender to Borrower requesting payment. If this Security Instrument is on a leasehold,Borrower shall comply with all the provisions of the lease.If _ Borrower acquires fee title to the Property,the leasehold and the fee title shall riot merge unless Lender agrees to the merger in writing. 10. Mortgage Lnurance. If lender required Mortgage Insurance as a condition of making the Loan, Borrower shall pay the premiums required to maintain the Mortgage Insurance in effect.If,for any reason,the Mortgage Insurance coverage required by Lender ceases to be available from the mortgage insurer that previously provided such insurance and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance,Borrower shall pay the premiums required to obtain coverage substantially equivalent to the Mortgage Insurancepr eviouslyineffec t,at a costsubstantiallyoquivalentto thccosttoBorrower oftheMortgage Insurance previously in effect,from an alternate mortgage insurer selected by Lender.If substantially equivalent Mortgage insurance coverage is not available,Borrower shall continue topay to Lendertheamoumofthe separately designated payments that were due when the insurance coverage ceased to be in effect.Lender will accept,use and retain these payments as a non-refundable loss reserve in lieu of Mortgage Insurance.Such loss reserve shall be non-refundable,notwithstanding the fad that the Loan is ultimately paid in full,and Lender shall not be required to pay Borrower any interest or earnings on such loss reserve.Lender can no longer require loss reserve payments if Mortgage Insurance coverage{in the amount and for the period that Lender requires)provided by an insurer selected by Lender again becomes available,is obtained,and Lender requires separately designated payments toward the premiums for Mortgage Insurance.If Lender required Mortgage Insurance as a condition of making the Loan and Borrower was required to make separately designated payments toward the premiums for Mortgage Insurance,Borrower shall pay the premiums required to maintainMortgage Insurance in effect,or to provide a non- refundable loss reserve,until Lender's requirement for Mortgage Insurance ends in accordance with any written agreement between Borrower and Lender providing for such termination or until termination is required by Applicable Law.Nothing in this Section 10 affects grower's obligation to pay interest at the rate provided in the Note. Mortgage Insurance reimburses Lender(or any entity that purchases the Note)for certain losses it may incur if Borrower does not repay the Loan as agreed.Borrower is not a party to the Mortgage insurance. Mortgage insurers evaluate their total risk on all such insurance in force from time to time,and may enter into agreements with other parties that share or modify their risk,or reduce losses.These agreements are on terms and conditions that are satisfactory to the mortgage insurer and the other party(or parties)to these afire T �se Initials JlE PENNSYLVANIA-Single Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3039 Vol Page 8 Of 15 PAUDEDL 7 '�► �� J529 LOAN #t 629960938 agreements may require the mortgage insurerto make payments using any source offends that the mortgage insurer may have available(which may include funds obtained from Mortgage Insurance premiums). As a result of these agreements,Lender,any purchaser of the Note,another insurer,any reinsures,any other entity,or any affiliate of any of the foregoing,may receive(directly or indirectly)amounts thatderive from(orMight be characterized as) a portion of Borrower's payments for Mortgage Insurance, in exchange for sharing or modifying the mortgage insurer's risk,or reducing losses.If such agreement provides that an affiliate of Lender takes a share of the insurer's risk in exchange for a share of the premiums paid to the insurer,the arrangement is often termed"captive reinsurance.",Further: (a) Any such agreements will not affect the amounts that Borrower has agreed to pay for Mortgage Insurance,or any other terms of the Loan.Such agreements will not increase the amount Borrowerwill owe for Mortgage Insurance,and they will not entitle Borrower to any refund. (b) Any such agreements will not affect the rights Borrower has-if any-with respect to the Mortgage Insurance under the Homeowners Protection Act of 1998 or any other law.These rights may include the right to receive certain disclosures,to request and obtain cancellation of the Mortgage Insurance.To have the Mortgage Insurance terminated automatically, and/or to receive a refund of any Mortgage Insurance premiums that were unearned at the time of such cancellation or termination. 11. Assignment of Miscellaneous Proceeds;Forfeiture.All Miscellaneous Proceeds are hereby assignedto and shalt be paid to Lender. IfthePropertyis damaged,suchMiscellancous Proceeds shall be applied to restorationorrepair oftheProperty, if the restoration or repair is economically feasible and Lender's security is not lessened During such repair and restoration period,Lender shall have the right to hold such Miscellaneous Proceeds until Lender has had an opportunity to inspect such Property to ensure the work has been completed to Lender's satisfaction,provided that such inspection shall be undertaken promptly. Lender may pay for the repairs and restoration in a single disbursement or in a series of progress payments as the work is completed.Unless an agreement is made in writing or Applicable Law requires interest to be paid on such Miscellaneous Proceeds,Lender shall notbe required to pay Borrower any interest or earnings on such Miscellaneous Proceeds.If the restoration or repair is not economically feasible or Lender's security would be lessened,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument,whether or not then due,with the excess,if any,paid to Borrower.Such Miscellaneous Proceeds shall be applied in the order provided for in Section 2. Inthe eventofatotal taking,destruction,or lossinvahre oftheProperty,the MiscellaneousProoeeds shallbeapplied to the sums secured by this Security Instrument,whether or not then due,with the excess,if any,paid to Borrower. In the event of a partial taking,destruction,or loss in value of the Property in which the fair market value of the Property immediately before the partial taking,dcstr uction,or loss in valise is equal to or greater than the amount of the sums secured by this Security Instrument immediately before the partial taking,destruction,or loss in value,unless Borrower and Lender otherwise agree in writing,the sums severed by this Security Instrument shall be reduced by the amount of the Miscellaneous Proceeds multiplied by the following fraction:(a)the total amount of the sums secured immediately before the partial taking,destruction,or loss in value divided by(b)the fair market value of the Property immediately before the partial taking,destruction,or loss in value.Any balance shall be paid to Borrower. In the event of a partial taking,destruction,or loss in value of the Property in which the fair market value of the Property immediately before the partial taking,destruction,or loss in value is less than the amount of the sums secured immediately before the partial taking,destruction,or loss in value,unless Borrower and Lender otherwise agree in writing,the Miscellaneous Proceeds shall be applied to the sums secured by this Security Instrument whether or not the sums are then due. Initials�� PENNSYLVANIA—Single Family—Fannie Mae/Freddre Mae UNIFORM INSTRUMENT Fern 30391/01 Page 9 of 15 PAUDEDL B Pr: 0530 LOAN #s 629960938 If the Property is abandoned by Borrower,or if,after notice by Leader to Borrower that the Opposing Party (as defined in the next sentence)offers to make an award to settle a claim for damages,Borrower fails to respond to Lender within 30 days after the date the notice is given, Lender is authorized to collect and apply the Miscellaneous Proceeds either to restoration or repair of the Property or to the sums secured by this Security Instrument,whether or not then due."Opposing Party"means the third party that owes Borrower Misoellaneous Proceeds or the party against whom Borrower has a right of action in regard to Mscellaneous Proceeds. Borrower shall be in default if any action or proceeding,whether civil or criminal,is begun that,in Lender's judgment,could result in forfeiture ofthePropertyor othermaterial impairment ofLender's interest in theProperty or rightsunderthis Securitylnstnunent.Borrowercancure suchadefaultand,ifacceleration has occurred,reinstate as provided in Sermon 19,by causing the action or proceeding to be dismissed with a ruling that, in Lender's judgment,precludes forfeiture of the Property or other material impairment ofLender's interest in the Property or rights under this Security Instrument..The proceeds of any award or claim for damages that are attributable to the impairment of Lender's interest in the Property are hereby assigned and shall be paid to Lender. All Miscellaneous Proceeds that are not applied to restoration or repair of the Property shall be applied in the order provided for in Section 2. 12. Borrower Not Released;Forbearance By Lender Not a Waiver.Extension of the time for payment or modification of amortization of the sums secured by this Security Instrument granted by Lender to Borroweror any Successor in Interest ofBorrower shall not operate to release the liability of Borrower or any Succesors in interest of Borrower.Lender shall not be required to commence proceedings against any Successor in Interest of Borrower or to refuse to extend time for payment or otherwise modify amortization of the sums secured by this Security Instrument by reason of any demand made by the original Borrower or any Successors in Interest ofBorrower.Any forbearance by Lender in exercising any right or remedy including,without limitation,Lender's acceptance of payments from third persons,entities or Successors inlnterest ofBorrower or in amounts less than the amount then due,shall not be a waiver of or preclude the exercise of any right or remedy. 13. Joint and Several Liability; Co-signers;Successors and Assigns Bound.Borrower covenants and agrees that Borrower's obligations and liability shall be joint and several.However,any Borrower who co-signs this Security Instrument but does not execute the Note(a"co-signer"):(a)is co-signing this Security Instrument only to mortgage, grant and convey the co-signer's interest in the Property under the terms of this Security Instrument;(b)is not personally obligated to pay the sums segued by this Security Instrument;and(c)agrees that Lender and any other Borrower can agree to extend,modify,forbear or make any accommodations with regard to the terms of this Security Instrument or the Note without the co-signer's consent. Subject to the provisions of Section 18, any Successor in Interest of Borrower who assumes Borrower's obligations under this Seauity Instrument in writing,and is approved by Lender,shall obtain all of Borrower's rights and benefits under this Security Instrument.Borrower shall notbe released from Borrower's obligations and liability under this Security Instrument unless Lender agrees to such release in writing. The covenants and agreements of this Security Instrument shall bind(except as provided in Section 20)and benefit the successors and assigns of Lender. 14. Loan Charges.Lender may charge Borrower fees for services performed in connection with Borrower's default,for the purpose of protecting Lender's interest in the Property and rights under this Security Instrument, including,but not limited to,attorneys'fees,property inspection and valuation fees.In regard to any other fees, the abseneeofexpress authority inthis Security Instrument to charge a specificfeeto Borrowershall notbeconstrued as aprolubitionon the charging of'such fee.Leader may notcharge fees that are expresslyprobibitedbythis Security Instrument or by Applicable Law. Initials PENNSYLVANIA—Single Family—Fannie Maeffreddle Mae UNIFORM INSTRUMENT Form 3039 Mt. Page 10 of 15 PAUDEDL Bu 17 053 1 LOAN #t 629960938 If the Loan is subject to a law which sets maximum loan charges,and that law is finally interpreted so that the interest or other loan charges collected or to be collected in connection with the Loan exceed the permitted limits, then:(a)any such loan charge shall be reduced by the amount necessary to reduce the charge to the permitted limit; and(b)any sums already collected from Borrower which exceeded permitted limits will be refunded to Borrower. Lender may choose to make this refundby reducing theprincipal owed under the Note or by making adirect payment to Borrower. If a refund reduces principal,the reduction will be treated as a partial prepayment without any prepayment charge(whether or not a prepayment charge is provided for under the Note).Borrower's acceptance of any such refund made by direct payment to Borrower will constitute a waiver of any right of action Borrower might have arising out of such overcharge. 15. Notices.All notices given by Borrower or Lender in connection with this Security Instrument must be in writing.Any notice to Borrower in connection with this Security Instrument shall be deemed to have been given to Borrower when mailed by first class mail or when actually delivered to Borrower's notice address if sent by other means.Notice to any one Borrower shall constitute notice to all Borrowers unless Applicable Law expressly requires .otherwise.The notice address shall be the Property Address unless Borrower has designated a substitute notice address by notice to Lender.Borrower shall promptly notify Lender of Borrower's change of address.If Lender specifies a procedure for reporting Borrower's change of address,-then Borrower shall only report a change of address through that specified procedure.There may be only one designated notice address under this Security Instrument at any one time.Any notice to Lender shall be given by delivering it or by mailing it by first class mail to Lender's address stated herein unless Lender has designated another address by notice to Borrower.Any notice in connectionwiththis Security Instrument shall not be deemed to have been given to Lender until actually received . by Lender.If any notice required by this Security Instrument is also required under Applicable Law,the Applicable Law requirement will satisfy the corresponding requirement under this Security Instrument 16. Governing Law;Severability;Rules of Construction.This Security Instrument shall be governed by federal law and the law of the jurisdiction in which the Property is located All rights and obligations contained in this Security Instrument are subject to any requirements and limitations of Applicable Law.Applicable Law might explicitly or implicitly allow the parties to agree by contract or it might be silent,but such silence shall not be construed as a prohibition against agreement by contract In the event that anyprovision or clause ofthis Security Instrument orthe Note conflicts with Applicable Law,such conflict shall not affect otherprovisions ofthis Security Instrument or the Note which can be given effect without the conflicting provision. As used in this Security Instrument:(a)words of the masculine gender shall mean and include corresponding neuter words or words of the feminine gender,(b)words in the singular shall mean and include the plural and vice versa;and(c)the word"may"gives sole discretion without any obligation to take any action. 17. Borrower's Copy.Borrower shall be given one copy of the Note and of this Security Instrument 18. Transfer of the Property or a Beneficial Interest in Borrower.As used in this Section 18,"Interest intheProperty"means any legal orbenef1cial interestin theProperty,including,but not limited to,thosebeneficial interests transferred in a bondfor deed,contract for deed,installment sales contract or escrow agreement,the intent of which is the transfer of title by Borrower at a future date to a purchaser. If all or any part of the Property or any Interest in the Property is sold or transferred(or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred)without Lender's prior written consent, Lender may require immediate payment infuli ofall sums secured by this Security Instrument.However,this option shall not be exercised by Lender if such exercise is prohibited by Applicable Law. If Lender exercises this option,Lender shall give Borrower notice of acceleration.The notice shall provide a period of not less than 30 days fromthe date the notice is given in accordance with Section 15 within Initials: ' PENNSYLVANIA--Sb%te Family—Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 30391141 Page 11 of 15 PAUDEDL °h' 1 75 'v 0 S32 LOAN #t 629960938 must pay all sums secured by this Security Instrument.If Borrower fails to pay these sums prior to the expiration of this period,Lender may invoke any remedies permitted by this Security Instrument without further notice or demand on Borrower. 19. Borrower's Right to Reinstate After Acceleration. If Borrower meets certain conditions,Borrower shall have the right to have enforcement of this Security Instrument discontinued at any time prior to the earliest of:(a)five days before sale of the Property pursuant to any power of sale contained in this Security Instrument;(b) such other period as Applicable Law might specify for the termination of Borrower's right to reinstate;or(c)entry of a judgment enforcing this Security Instrument.Those conditions are that Borrower:(a)pays Lender all sums which then would be due wider this Security Instrument and the Note as if no acceleration had occurred;(b)cures any default of any other covenants or agreements; (c) pays all expenses incurred in enforcing this Security Instrument,including,but not limited to,reasonable attorneys'fees,property inspection and valuation fees,and other fees incurred for the purpose of protecting Lender's interest in the Property and rights under this Security Instmmelut;and(d)takes such action as Lender may reasonably require to assure that Lender's interest in the Property andrightsumder this Security Instrument,andBormwer'sobhgationtopay the sums securedbythis Security Instrument shall continue unchanged.Lendermay require that Borrower pay such reinstatement sums and expenses in oneor more ofthcfollowingfonns,as selectedbyLender.(a)cash;(b)moncy order,(c)eertifiedcheck,bankcheck,treasurer's check or cashier's check.provided any such check is drawn upon an institution whose deposits areinsuredbya federal agency, instrumentality or entity,or(d)Electronic Funds Transfer.Upon rdnstatemern by Borrower,this Security Instrument and obligations secured hereby shall remain fully effective as if no acceleration bad occurred.However,this right to reinstate shall not apply in the case of acceleration under Section 18. 20. Sale of Note;Change of Loan Servicer,Notice of Grievance.The Note or a partial interest in the Note (together with this Security Instrument)canbe sold one or more times without prior notice toBorrower.Asale might result in a change in the entity(known as the"Loan Servicer")that collects Periodic Payments due under the Note and this Security Instrument and performs other mortgage loan servicing obligations under the Note,this Security Instrument,and Applicable Law.There also might be one or more changes of the Loan Servioer unrelated to a sale of the Note.If there is a change of the Loan Servicer,Borrower will be given written notice of the change which will state the name and address of the new Loan Sendcer,the address to which payments should be made and any other information RESPA requires in connection with a notice of transfer of servicing. If the Note is sold and thereafter the Loan is serviced by a Loan Services other than the purchaser of the Note,the mortgage loan servicing obligations to Borrower will remain with the Loan Servicer or be transferred to a successor Loan Servicer and are not assumed by the Note purchaser unless otherwise provided by the Note purchaser. Neither Borrower nor Lender may commence,join,orbe joined to any judicial action(as either an individual litigant or the member of a class)that arises from the other party's actions pursuant to this Security Instrument or that alleges that the other party has breached any provision of, or any duty owed by reason of, this Security Instrument,until such Borrower or Lender has notified the other party(with such notice given in compliance with the requirements of Section 15)of such alleged breach and afforded the other party hereto a reasonable period after the giving ofsuch notice to take corrective action.IfApplicableLawprovidesa time period which must elapsebefore certain action can be taken,that time period will be deemed to be reasonable for purposes of this paragraph.The notice ofaocelerationand opportunityto curegiventoBorrower pursuant to Section 22 andthe noticeofacceleration given to Borrower pursuant to Section 19 shall be deemed to satisfy the notice and opportunity to take corrective action provisions of this Section 20. 21. Hazardous Substances.As used in this Section 21:(a)"Hazardous Substances"are those substances defined as toxic or hazardous substances,pollutants,orwastes bylinvironmental Law and thefollo ces: Initials;{ � PENNSMAMA—ShWle Family—Fa®te MaelFreddie Mac UNIFORM INSMUMEN-r Form 30391/01 Page 12 of 15 PAUDEDL 1 r.734 ` 0533 LOAN ft 629960938 gasoline,kerosene,other flammable or toxic petroleum products,toxic pesticides and herbicides,volatile solvents, materials containing asbestos or formaldehyde, and radioactive materials; (b) "Environmental Law" means federal laws and laws of the jurisdiction where the Property is located that relate to health,safety or environmental protection;(c)"Environmental Cleanup"includes any response action,remedial action,or removal action,as defined in Environmental Law; and (d) an "Environmental Condition" means a condition that can cause, contribute to,or otherwise trigger an Environmental Cleanup. Borrower shall not cause orpermitthe presence,use,disposal,storage,orrelease ofanyHazardous Substances, or threaten to release any Hazardous Substances,on or in the Property.Borrower shall not do,nor allow anyone else to do,anything affecting the Property(a)that is in violation of any Environmental Law,(b)which creates an Environmental Condition,or(c)which,due to the presence,use,or release of a Hazardous Substance,creates a condition that adversely affects the value of the Property. The preceding two sentences shall not apply to the presence,use,or storage on the Property of small quantities ofHazardous Substances that are generally recognized to be appropriate to normal residential uses and to maintenance of the Property(including,but not limited to, hazardous substances in consumer products). Borrower shall promptly give Lender written notice of(a)any investigation,claim,demand,lawsuit or other action by any governmental or regulatory agency or private party involving the Property and any Hazardous Substance or Environmental Law of which Borrower has actual knowledge, (b)any Environmental Condition, including but not limited to,any spilling,leaking,discharge,release or threatofrelease ofany Hazardous Substance, and(c)any condition caused by the presence,use or release of a Hazardous Substance which adversely affects the value of the Property.IfBorrower learns,or is notified by any governmental or regulatory authority,or any private party,that any removal or other remediation of any Hazardous Substance affecting the Property is necessary, Borrower shall promptly take all.neoessary remedial actions in accordance with Environmental Law.Nothing herein shall create any obligation on Lender for an Environmental Cleanup. NON-UNIFORM COVENANTS.Borrower and Lender furtber covenant and agree as follows: 22. Accekmtion;Remedies.L,endershaligivenoticetoBomowerpriortort mkrationfollowingBorrower's breach of any covenant or agreement hk this Security Lament(but not prior to acceleration under Section 18 unless Applicable Law provides otherwise).Leader shall notify Bor rower of,among other things:(a)the default; (b)the action required to cure the default;(c)when the default must be cured;and(d)that failure to cure the default as specified may result in acceleration of the sums secured by this Security Instrument,foreclosure by judicial proceeding and sale of the Property-Lender shall farther inform Borrower of the right to reinstate after acceleration and the rightto assert intheforoclosrureprooeadingthenon-eristence of a defaultoranyotherdefense of Borrower to acceleration and foreclosure.If the default is not awed as specified,Lender at its option may require immediate payment in fall of all sums secured by this Security Lustrument without further demand and may foreclose this Security Instrument by judicial proceeding.Leader shall be entitled to collect all arpeuses incurred in pursuing the remedies provided in this Section 22,including,but not limited to,attorneys'fees and costs of title evidence to the extent permitted by Applicable Law. 23. Release.Upon payment of all sums secured by this Security Instrument,this Security Instrument and the estate conveyed shall terminate and become void.After such occurrence,Lender shall discharge and satisfy this Security Instrument.Borrower shall pay any recordation costs.Lender may charge Borrower a fee for releasing this Security Instrument,but only if the fee is paid to a third party for services rendered and the charging of the fee is permitted under Applicable Law. 24. Walvers.Borrower,to the extent permitted by Applicable Law,waives and releases any error or defects in proceedings to enforce this Security Instrument,and hereby waives the benefit of any present I ws Initials: PENNSYLVANU—Single Family—Formic Mae/Freddie Mae UNIFORM INSTRUMENT Form 30391/01 Page 13 of 15 PAUDEDL OX i I 0 53 LOAN #i 629960938 providing for stay of execution,extension of time,exemption from attachment,levy and sale,and homestead exemption. 25. Reinstatement Period.Borrower's time to reinstate provided in Section 19 shall extend to one hour prior to the commencement of bidding at a sheriffs sale or other sale pursuant to this Security Instrument. 26. Purchase Money Mortgage.If any of the debt secured by this Security Instrument is lent to Borrower to acquire title to the Property,this Security Instrument shall be a purchase money mortgage. 27. Interest Rate After Judgment.Borrower agrees that the interest rate payable after a judgment is entered on the Note or in an action of mortgage foreclosure shall be the rate payable from time to time under the Note. BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it •7�•�� (Seal) LYP H MANAION FENNS'YLVANIA—Singlc Family—Fannie Mae/Freddle Mac UNIFORM INSTRUMENT Form 30391HI1 Page 14 of 15 PAUDEDL LOAN #t 629960938 Certificate of Residence I, Bonnie Jo' Deitch do hereby certify that the correct address of the within-named Mortgagee is 2600 W. BIG BEAVER RD., TROY, MICHIGAN 48084 Witness my hand this 19th day of November, 2002 Bonnie o Deitch Agent of Mortgagee Commonwealth of PENNSYLVANIA County oft CUMBERLAND on this the 19th day of November , 2002 before me, Bonnie Jo Deitch , the undersigned officer, personally appeared LYNN H HANNION, known to me (or satisfactorily proven) to be the person whose name is subscribed to the within instrument and acknowledged that she executed the same for the purposes therein contained. in witness whereof I hereunto set my hand and official seoLl.ctt`"`tcDi p"''''•,,MJN- my commission expires< < ':~♦`'ate-'��`�8R;ti,��,�� Notarial Seal Bonnie Jo Deitch, Notary Public - -_•i Ha den Twp. Cumberland County My commission Expires Sept. 25, 2005 Title of Officer :*'• �: Member.pgnWvaniamsodationofNt>faries Initials PENNSYLVANIA-Single Family-Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3039 IAA Page 15 of 15 PAUDEDL ��i 1 ._, 0536 r ALL THAT CERTAIN lot of ground situate in the Borough of Camp Hill, Cumberland County, Pennsylvania, more particularly bounded and described as follows, to wit : BEGINNING at a. point on the eastern side of South 27th Street at lands now or late of Shepard; thence along the eastern side of South 27th Street in a southerly direction 72.6 feet to the northern side of a 10 feet wide alley; thence along the northern side of a 10 feet wide alley in an easterly direction 201.31 feet to the western side of a 15 feet wide alley; thence along the western side of said 15 feet wide alley in a northerly direction 49.6 feet to lands now or late of Shepard; thence along said last mentioned lands in a westerly direction 200 feet to the eastern side of South 27th Street, the place of BEGINNING. BEING part of Lot No. 40 ,and all of Lot No. 41 on a Plan of Lots laid out by E.N. Cooper, said plan being recorded .in Cumberland County Recorder's Office in Plan Book 1, Page 43 . L,VK 1 7 V Li {•11 0 5) 3 1 NOTICE OF CLAIM- (Filed Pursuant to 20 Pa.C.S. § 332) COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION ESTATE OF LYNN MANNION , DECEASED No. 212012-01130 To the Clerk of the Orphans' Court Division: Enter the claim of AscensionPoint Recovery Services.LLC on behalf of GE Capital Retail Bank-OCARD 0845 (Claimant) in the amount of$ $1,400.19 _,against the above entitled Estate. The Decedent,who resided at 125 S 27TH ST.CAMP HILL,PA (Street Address) 170114503.died on 10/05/2012. Written notice of said claim was given to (Date of Death) LAURA J.HEISERMAN, (Personal Representative or his/her counsel) at 125 S 27TH ST,CAMP HILL PA 17011, (Address) on 12/21/2012. (Date) APRS Representative (Claimant) 200 Coon Rapids Blvd. Suite 200 (Street Address) Coon Rapids, MN 55433=5876 (City,State,Zip) Robin LeDonne—IL Bar#6294763 (Claimant's Counsel) 200 Coon Rapids Blvd. Suite 200 (Address) Coon Rapids, MN 55433-5876 888-420-2510 (Telephone) CLMFRMPA_v1.1_20121120 Schedule I , Exhibit 3 AscensionPatnt RECOVERY SERVICES, LLC 200 Coon Rapids Blvd.,Suite 200 Coon Rapids, MN 55433-5876 Phone: 888-420-2510 Fax:763-235-4055 12/21/2012 To Whom It May Concern: We are filing a claim on a probate/estate filed in reference to the individual listed below. AscensionPoint Recovery Services, LLC is filing this claim on behalf of GE Capital Retail Bank-QCARD. Please see our claim form (enclosed)for details. Decedent Information: Case Number: 212012-01130 Balance:$1,400.19 Date of Death: 10/05/2012 Name: LYNN MANNION If you have any questions please feel free to contact our office at your convenience. Respectfully, AscensionPoint Recovery Services, LLC ------------------------------------detach coupon----------------___---------------- Reference No: 1095061 Phone Number:888-420-2510 PLEASE SEND PAYMENTS&CORRESPONDENCE TO: THERSA SHADE WIX 4705 DUKE ST ASCENSIONPOINT RECOVERY SERVICES, LLC HARRISBURG, PA 17109 200 COON RAPIDS BLVD.SUITE 200 COON RAPIDS, MN 55433-5876 CVRLTR v1.l 20121120 ap AscensionPoint Recovery Services, LLC 200 Coon Rapids Blvd. Suite 200 Coon Rapids,MN 55433-5876 - AscensionPoint (888) 420-2510 Phone- (763) 235-4055 Fax RECOVERY SERVICES,LLC Hours: Monday-Friday 8:OOAM to 5:OOPM CST Creditor: GE Capital Retail Bank- QCARD Account No.: 0845 Reference No.: 1095061 Balance: $1,400.19 December 21, 2012 Dear estate of LYNN MANNION, We would like to offer our deepest condolences during this time of loss for you and your family. Thank you for promptly attending to this important matter in the life of LYNN MANNION. The GE Capital Retail Bank-QCARD account in the amount of$1,400.19 for LYNN MANNION has been placed with our office for collection. Please contact our office toll-free at(888)420-2510 to discuss your options for the estate. Payments and/or the estate information coupon on the reverse side can be mailed to the address listed above. All payments should be made payable to the creditor listed above. Please remember that only the estate of the deceased is liable for the debt owed and family members are not personally responsible for payment of this debt. Again,please accept our condolences during this difficult time. Very truly yours, Christina Mallen,AscensionPoint Recovery Services,LLC Federal law requires that we give the following disclosure: Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof,this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof,this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor. This communication is from a debt collector: This is an attempt to collect a debt and any information obtained will be used for that purpose. This is an attempt to collect a debt from the estate and not from the assets owned by you personally. You personally are not required to pay any of the debts from the estate. * * *PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION ABOUT YOUR RIGHTS AND THE PROBATE COUPON. ACA INTERNATIONAL --. --- - The Association of Credit PLEASE DETACH AND RETURN BOTTOM PORTION WITH THE ESTATE'S PAYMENT and Collection Professionals ..................... Me................................................. mber DEPT 303 3020518712128 Phone Number: (888)420-2510 PO BOX 4115 Amount Enclosed: CONCORD CA 94524 Creditor: GE Capital Retail Bank-QCARD Account No.: XXXXXXXXXXXX0845 111111111111111 OF 111111111111111111111111111111111111 IN Reference No.: 1095061 Balance: $1,400.19 ADDRESS SERVICE REQUESTED #BWNFTZF#TAM3020518712128# All payments should be made payable to the creditor listed above. ti��t� �il�illi� I��t�I�I��i��I�Ii��l �l PLEASE SEND PAYMENTS&CORRESPONDENCE TO: 1095061 THERSA SHADE WIX 4705 DUKE ST ASCENSIONPOINT RECOVERY SERVICES, LLC HARRISBURG PA 17109-3041 200 COON RAPIDS BLVD.SUITE 200 COON RAPIDS,MN 55433-5876 TA M N LB-1221-316328885.00031-31 Estate Information Services, LLC ®®® PO Box 1370 estate information sem-ices,11c. Reynoldsburg,OH 43068-6370 Hours:Mon-Thu 8am-9pm and Fri 8am-5pm EST Deceased Account Collection Agency Toll Free:(877)714-3739 Phone:(614)322-2758 Fax:(614)322-2761 www.probate-care.com 4 01/l5/2013 IIIIII1111111'I'I'II'II'IIIIhIIhIIIJIII'lllll'hll�l�ll� THERESA SHADE WIX,ESQUIRE 4705 Duke St Harrisburg,PA 17109-3041 RE Estate Of LYNN H MANNION Creditor Name:CAPITAL ONE BANK(USA)NA Account Type:MASTERCARD Amount of Debt:$876.83 Account Number.************0272 Reference#:3352633 Dear Attorney THERESA SHADE WIX,ESQUIRE: As attorney for the estate,you are aware that an estate claim was filed on behalf of CAPITAL ONE BANK(USA) NA in the above-referenced estate. We are requesting that the estate provide to us a copy of the estate's inventory that was filed with the probate court. It is imperative that we inform CAPITAL ONE BANK(USA)NA if the estate has recognized the estate claim as valid. In matters such as these,the executor or executrix has access to supporting documentation such as cancelled checks,statements or check registers indicating past payments made by the late LYNN MANNION without dispute. We can provide this information if absolutely necessary. We would appreciate the estate requesting the above information before issuing a disallowance if all that is needed is supporting documentation to determine the validity of the claim. If you wish to discuss an early settlement of the estate claim,please feel free to call our office at the toll free number listed above and ask to be connected to the proper legal assistant handling the claim. Thank you for your assistance toward a prompt resolution of this matter. Estate Information Services,LLC is a debt collection company. This is an attempt to collect a debt from the assets of the estate of LYNN MANNION and any information obtained will be used for that purpose. Calls may be monitored or recorded for quality assurance purposes. Sincerely, ESTATE INFORMATION SERVICES,LLC cc:Aaron Dominey,Legal Assistant Schedule I, Exhibit 4 ONLY AFTER 12!7/12 Bill No: 3012 2012 Statement of Personal Taxes Control No: 001 -001001 Bill Date: 7/01/2012 E .. .. _ .. _ .. JANET L.MILLER,TAX COLLECTOR CAMP HILL SCHOOL DISTRICT Discount Face Penalty 1939 WALNUT STREET Rate 5.00000 2% 10% CAMP HILL PA 17011 SCH P/C 4.90 5.00 5.50 Rate . 10.00000 2% 10% SCH RES 9.80 10.00 11.00 TAX AMOUNT DUE-----> $14.70 $15.00 $16.50 If Paid on or After 7/01/2012 9/01/2012 11/01/2012 If Paid On or Before 8/31/2012 10/31/2012 PAIDRETURN BILL WITH PAYMENT.FOR RECEIPT ENCLOSE SELF-ADDRESSED MANNION LYNN H. STAMPED ENVELOPE AND 2 COPIES OF BILL CAMP HILL PA 17011 OCT a�3 1 2012 AX CoLLECTL A OR WED 11-2 AND 4-6 JULY-OCTOBER SPECIAL:12-2 AUG 23&30 SPECIAL:4-6 AUG 24&31 PHONE:(717)763-0177 Schedule I , Exhibit 5 - • -v :ES ARE IN ESCROW FORWARD TO MORTGAGE COMPANY Bill No: 1720 ONLY AFTER 1217/12 2012 Statement of Real Estate Taxes Control No: 001 -001771 . Bill Date: 7/01/2012 Assessed Land Improvement Mineral Total .E Values 57,100 141,100 0 198,200 JANET L.MILLER,TAX COLLECTOR Homestead Exclusion 8,454- 1939 WALNUT STREET CAMP HILL S.D. Discount Face Penalty CAMP HILL PA 17011 Rates .01316220 .01316220 2% 10+k SCHOOL R E 2,608.75 Homestead Credit 111.27- ASSESS.NO-01001698 MAP NO: 01-21-0271-561. TAX AMOUNT DUE-----> $2,447.53 $2,497.48 $2,747.23 125 S 27TH STREET ACRES .300 DEED 0033C0.21' ,� If Paid On or After 7/01/2012 9/01/2012 11/01%2012 PAIf Paid On or Before 8/31/2012 10/31/2012 12/15/2012 RESIDENTIAL 1 FAMILY RETURN BILL WITH PAYMENT.FOR RECEIPT ENCLOSE SELF-ADDRESSED OCT 20f� STAMPED ENVELOPE&2 COPIES OF BILL. IF NOT PAID BY 12/15/12 BILL WILL BE SENT MANNION LYNN H L 125 SOUTH 27TH STREET TO TAX CLAIM FOR COLLECTION&FILING A PROPERTY LIEN. CAMP HILL PA 17011 JANET L MILLERS TAX COLLECTOR NOTICE OF PROPERTY TAX RELIEF Your enclosed tax bill includes a tax reduction for your homestead and/or farmstead property. As an eligible homestead and/or farmstead property owner,you have received WED 11-2 AND 4-6 JULY-OCTOBER tax relief through a homestead and/or farmstead exclusion which has been provided SPECIAL:12-2 AUG 23&30 under the Pennsylvania Taxpayer Relief Act,a law passed by the Pennsylvania General SPECIAL:4-6 AUG 24&31 Assembly designed to reduce your property taxes. PHONE:(717)763-0177 S Schedule I . Exhibit 6 _ 12 31; 201 11:36 1717761328G. PAGE 191 Pepelori g � � �4 c ,, �7 7- T Scat etnent Date: 12/05/13 Adbbtlltt41911fd b y i t�> Haw to reach us ` www.citimortgage.com ; 1 � Customer Service:1-800-283-7918' Please reference your account number 062996093a when crilinq. �y �r��4r 'Y'� t?9��`>}J�' �• '�`t�a�Tnt �u , , "Celts are randomly monitored an d recorded to en sue qua I itY sa r ien , Account information Account Activity LYNN H MANNION PAYMENT(8) CURRENT ESTATE OF RECEIVED PAYMENT DUE Property Address: 125 S 27TH STREET oat a 12/05!13 01101/14 CAMP HILL PA 17011 Prircipal $134.68 $135.37 Type of Mortgage FIXED RATE LOAN ante•est $29612 $286.03 Outstanding Principal Balance $57,997.63 ot If Amount $431.40 $431.40 Interast Rate 6.12500% Intarest Year to Date $3,606.87 Important Messages Due to year-end processing,payments received between 10 p,m.and Midnight ET on December 31 2093,are posted in January 2014,but Credited for DeCermt4er 31.3013, A tax and interest statement for 2013 income tax purposes will be included wile our next month) s atement or mailed separately b January 31,2014.To prolecl nur identit' W P rP Y Y F N Y Y 1: your full social security number will not be printed on the document but will be used in IR$reporlinq k-� Ciiit�loricaae,com is your source for the latest interest rates and valuable iools for refinancing or put.timing a new homel Visit tadny. —-' TO•OrTSUre timely processing,please enclose ymr check err rt-ttre coupon belmi lathe envelope providQd: Schedule I, Exhibit 7 ,THhJ-20-2014 13:48 From: 71727,65054 Tu:i 1765262.90 P.2'2 Accounting Associates ,1,849 West Lisburn .11oaad Ca,rlIBIC PA 17013 717-258.6671 April 02,2013 i I LYNN H MANNIaN %LAURA HEI.SEKMAN :125 SOUTH 27Th STREET CAMP HILL, PA 17011- Dear LYNN, Enclosed are your 2012 federal and state income tax returns. Your Federal income tax balance due is $3,783.00. Your.federal tax return has been tiled electronically, To pay your balance due, please make Your check or money order payable to UNI'I'131a STATES TREASURY and write your Social Security Number, daytime phone number, and "2012 Form 1040"on the check: Mail the enclosed Form 1040N and your payment on or before 04/1913 to the Internal Revenue Service tat the address on form 1040-V. Do not staple or otherwise attach your payment to norm 10404. Please retain the enclosed copy of the return for your records. Your 2012 PA state tax return was filed electronically. 'rhere Is no refund or tax,duc. Please keep the enclosed copy for your records. I If you have any questions, please callus. We appreciate the opportunity to serve you. Sincerely, FLOYD FAHNE STOCK i 1 Schedule I, Exhibit 8 REV-1513 EX+(01-10) pennsylvania SCHEDULE J DEPARTMENT OF REVENUE BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: L nn H. Mannion 21 12 1130 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE I TAXABLE DISTRIBUTIONS [Include outright spousal distributions and transfers under Sec.9116(a)(1.2).] 1. Laura Heiserman Lineal 123,974.37 125 S. 27th Street, Camp Hill, PA 17011 2. Beth Heiserman Lineal 123,974.38 125 S. 27th Street, Camp Hill, PA 17011 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET,AS APPROPRIATE. II. NON-TAXABLE DISTRIBUTIONS: A,SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. Zion Evangelical Lutheran Church 11,225.45 2730 Booser Avenue, Harrisburg, PA 17103 TOTAL OF PART II-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $ 11 225.45 If more space is needed,use additional sheets of paper of the same size. co N LAST WILL AND TESTAMENT OF LYNN H.MANNION P_, o' .y D c-n `n I, Lynn H. Mannion, presently residing in Camp Hill,Cumberland County, M Pennsylvania, being of sound and disposing mind and memory,do make, publish and declare this to be my Last Will and Testament,hereby revoking all Wills and Codicils previously made by me. ITEM I: 1 direct that all inheritance and estate taxes becoming due by reason of my death,whether such taxes may be payable by my estate or by any recipient of any property,shall be paid by my Executor out of the property passing under this Will,which is not specifically devised or bequeathed, as an expense and cost of administration of my estate. My Executor shall have no duty or obligation to obtain reimbursement for any such tax paid by my Executor even though such tax was paid on proceeds of insurance or other property not passing under this Will. If the assets not specifically devised or bequeathed are not adequate for the payment of all such taxes,then the recipients of the property specifically devised and bequeathed shall each pay a pro rata portion of any such tax based upon the valuation of the property received by each such recipient as finally determined for Federal Estate Tax purposes,or if no such determination is made,then for applicable State Inheritance Tax purposes. ITEM II: I hereby exercise all powers of appointment which I may have at the time of my death in favor of my Executor,and all property subject to all such powers of appointment shall be included in my estate. ITEM III. I hereby give,devise and bequeath ten percent(10%)of my estate unto Zion Evangelical Lutheran Church,2730 Booser Avenue, Pennbrook, Harrisburg, Pennsylvania. ITEM IV: I hereby give,devise and bequeath all the rest,residue and remainder of my estate,whether real, personal or mixed, of whatsoever nature or kind and wherever located,to be divided equally between by daughters, Laura J. Heiserman and Beth L. Heiserman,or their issues per stirpes. In the event that either of my daughters predeceases me and is not survived by children,then the share of the deceased daughter shall pass to the surviving daughter. PAGE 1 OF 4 PAGES ITEM V: In addition to such other powers as my Executor may be granted by law,or under previous portions of this Will,they shall have the following powers: a) To retain investments I may have at my death so long as my Executor may deem it advisable to my estate or trust to do so. b) To vary investments,when deemed desirable by my Executor,then to invest in such bonds,stocks, notes, real estate mortgages,or other securities,-or in such other property, real or personal,as they shall deem wise,without being restricted to so-called"legal investments". c) In order to effect a division of the principal of my estate or of any trust or for any other purpose, including any final distribution, my Executor is authorized to make said divisions or distributions of the personalty and realty partly or wholly in kind. If such division or distribution is made in kind,said assets are required to be divided or distributed at their respective values on the date or dates of their division or distribution. d) To sell either at public or private sale and upon such terms and conditions as the Executor may deem advantageous to the estate,or any trust, any or all teal or personal estate or interest therein owned by the estate or trust severally or in conjunction with other persons or acquired after my death by my Executor,and to consummate said sale or sales by sufficient deeds or other instruments to the purchaser or purchasers, conveying a fee simple title,free and clear of all trusts and without obligation or liability of the purchaser or purchasers to see to the application of the purchase money or to make inquiry into the validity of said sale or sales; also,to make, execute, acknowledge and deliver any and all deeds, assignments,options or other writings which may be necessary or desirable, in carrying out any of the powers conferred upon my Executor in this paragraph or elsewhere in my Will. e) To mortgage real estate,and to make leases of real estate. f) To borrow money from any party,to pay indebtedness of mine or of my estate or of a trust, expenses of administration or inheritance, legacy,estate and other taxes. PAGE 2 OF 4 PAGES g) To pay all costs,taxes,expenses and charges in connection with the administration of my estate or trust. My Executor shall pay the expenses of my last illness and all funeral expenses. h) To vote any shares of stock which form a part of the estate or of any trust, and to otherwise exercise all the powers incident to the ownership of such stock. i) In the discretion of my Executor to unite with other owners of similar property in carrying out any plans for the reorganization of any corporation or company whose securities form a part of the estate or of any trust. ITEM VI: Any person who shall have died at the same time as Testatrix,or in a common disaster with her,or under such circumstances that it is difficult or impossible to determine who died first, or who shall have died less than thirty(30)days after the death of Testatrix, shall be deemed to have predeceased her. ITEM VII: I hereby nominate,constitute and appoint my daughters, Laura J. Heiserman and Beth L. Heiserman,to be Co-Executrixes of this my Last Will and Testament. My Executrixes are specifically relieved from the duty or obligation of the filing of any bond or bonds in this or any other jurisdiction. ITEM VIII: Where appropriate throughout this my Last Will and Testament, all references herein to the singular or the-masculine shall include the plural or the feminine, respectively. IN WITNESS WHEREOF, I have hereunto set my hand and seal to this my Last Will and Testament,consisting of this,the preceding two(2)pages, and the following page this day of ,2007. nn H. Mannion PAGE 3 OF 4 PAGES We,the undersigned, hereby certify that the foregoing Will was signed, sealed, published and declared by the above-named Testatrix,as and for her Last Will and Testament,in the presence of us,who,at her request and in her presence and in the presence of each other,have hereunto set our hands and seals the day and year above written, and we certify that at the time of the execution thereof,the said Testatrix 7 Kfounda and disposing mind and memory. (SEAL)Residing at (,'f 9 O /rn� oo,, r V a'C4�/0V _(SEAL)Residing C) PAr (SEAL)Residing at PAGE 4 OF 4 PAGES ACKNOWLEDGMENT COMMONWEALTH OF PENNSYLVANIA ) COUNTY OF DAUPHIN ) I,Lynn H. Mannion,the Testatrix whose name is signed to the attached or foregoing instrument,having been duly qualified according to law,do hereby acknowledge that I signed and executed the instrument as my Last Will;and that I signed it willingly and as my free and voluntary act for the purposes therein expressed. Sworn to or affirmed and acknowledged before me by Lynn H. Mannion,the Testatrix,this Z—day of ,2007. Lynn . Mannion Testatrix R Notary P IIC COMMONWEALTH OF PENNSYLVANIA My Commission Expires: NOtar=PWfc Gaye L Criss,Lower Paxton TwpAFFI DAVIT My Co�negn F Member,Pennsylvania ASSOW 001,of Notaries COMMONWEALTH OF PENNSYLVANIA ) COUNTY OF PHIN and the witnesses whose names are signed to the attached or foregoing instrument, being duly qualified according to law,do depose and say that we were present and saw the Testatrix sign and execute the instrument as her Last Will;that the Testatrix signed willingly and executed it as her free and voluntary act for the purposes therein expressed;that each subscribing witness, in the hearing and sight of the Testatrix, signed the Will as a witness;and that,to the best of our knowledge,the Testatrix was at that time 18 or more yeprs,of age,of sound mind and under no constraint or undue influence. Swom to-gr affirmed and subscribed to before me by J ,� w and witnesses, this aL l day of 2007. Witness Witness Witness Notary Public My Commission Expires: COMMONWEALTH OF PENNSYLVANIA Notarlal Sea r l Gaye L Cdst,Notary PUbrr. I Lowar Paxton Twp.,Dauphin County My C T nission Expires Apr.1 E,2009 'Member,Fennsvhvenip A<soriaiicr:o'Notaries