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10-24-14 (2)
1505610143 REV-1500 EX(02-11) OFFICIAL USE ONLY PA Department of Revenue pennsylvania County Code Year File Number Bureau of Individual Taxes DEPARTMENT OF REVENUE PO 60x.280601 INHERITANCE TAX RETURN 21 13 1093 Harrisburg, PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 09 26 2013 10 28 1938 Decedent's Last Name Suffix Decedent's First Name MI ESPENSHADE CONSTANCE M (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 Return2. Supplemental Return 1:13. Remainder Return(Date of Death Phor to 12-13-82) 4. Limited Estate4a Future Interest Compromise 5. Federal Estate Tax Return Required (date of death after 12-12-82) 6' Deced(Attach eCopy of Will)nt Died to ❑ (DAttaoh Copy of Trust)a Living Trust 8, Total Number of Safe Deposit Boxes ❑ 9. Litigation Proceeds Received ❑ 10.between Poverty ndtTDa95)f Death ❑ 11.Election to tax under Sec.9113(A) (Attach Schedule O) CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number DIANE G RADCLIFF ESQUIRE (7:p) 737nb1 rmrt REGiiF_3 aRWILLS USE�:-�Jf AL3( I. N frl First Line of Address 3448 TRINDLE ROAD f7 r Second Line of Address _'J r— M r-- ct> : C> �~ City or Post Office State ZIP Code DATE FILM CAb,!P HILL PA 117011 Correspondent's e-mail address: Under penaltie f perjury,I declare that I h amined this return,including accompanying schedules and statements,and to the best of my knowledge and belief, it is true r c n complete.Declar a arer other than the personal representative Is based on all information of which preparer has any knowledge. SIG U YLI RETURN DATE Christopher T Espenshade / ADORES 13510 Buglenote Way, Spotsylvania, VA 22553 E OF PREPARER THER THAN REP SE TATIVE ATE V Diane G Radcliff, Esquire Z ESS rindle Road, Camp Hill, PA 1505610143 Side 1 1505610143 i 1505610243 REV-1500 EX Decedent's Social Security Number Decedent's'Name: Espenshade, Constance M RECAPITULATION 1. Real Estate(Schedule A)....................................................................................... 1. 97 , 914 . 78 2. t n . S ocks and Bonds(Schedule B)............................................................................. 2. t 3. Closely Held Corporation, Partnership or Sole-Proprietorship(Schedule C)......... 3. 4. Mortgages&Notes Receivable(Schedule D)........................................................ 4. 5. Cash,Bank Deposits&Miscellaneous Personal Property(Schedule E)........ ...... 5. 17 , 561 . 70 6. Jointly Owned Property(Schedule F) OX Separate Billing Requested............ 6. 2 , 600 . 33 7. Inter-Vivol Transfers&Miscellaneouso -Probate Property (Schedule G) X Separate Billing Requested............ 7. 67 , 970 . 01 8• Total Gross Assets(total Lines 1 through 7)........................................................ 8. 186, 046 . 82 1 9. Funeral Expenses and Administrative Costs(Schedule H).... .............................. 9. 25, 685 . 26 10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule 1).,........... ............. 10. 4 , 800 . 98 11. Total Deductions(total Lines 9 and 10)................................................................ 11. 30 , 486. 24 I 12. Net Value of Estate(Line 8 minus Line 11).......................................................... 12. 155 , 560 . 58 11 Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has riot been made(Schedule J),..................................... ....... 13. 14. Net Value Subject to Tax(Line 12 minus Line 13)............................................... 14. 155, 560 . 58 TAX COMPUTATION-SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate,or transfers under Sec.9116 15 0 . 00 (a)(1.2)X.00 16. Amount of Line 14 taxable at lineal rate X .045 72 ,241 . 70 163,250 . 88 f 17. Amount of Line 14 taxable at sibling rate X.12 0 . 00 17. 0 . 0 0 18. Amount of Line 14 taxable at collateral rate X.15 12 , 748 . 54 18. 1 , 912 . 28 19. TAX DUE................................................................................................................ 19. 5, 163. 16 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. Side 2 1505610243 1505610243 under"Seotioh 102,as an'individual who has at least one parent in common with thederedefft,whet er y loa ora op ion. Rev-1502 EX+(01.10) SCHEDULE A pennsylvania REAL ESTATE DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Es enshade, Constance M 21-13-1093 All real property owned solely or as a tenant in common must be reported at fair market value.Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts. Real property that is jointly-owned with right of survivorship must be disclosed on schedule F. Attach a coov of the settlement sheet if the orooerty has been sold Include a conv of the deed showing decedent's interest if owned as tenant in common. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 REAL ESTATE-4224 Nantucket Drive 97,914.78 Mechanicsburg, PA 17053 Net Settlement proceeds(see attached HUD-1) TOTAL(Also enter on Line 1, Recapitulation) 97,914.78 (If more space is needed,additional pages of the same size) Copyright(c)2010 form software only The Lackner Group, Inc. Form PA-1500 Schedule A(Rev.01-10) Rev-1508 EX+(11.10) SCHEDULE E pennsylvania CASH, BANK DEPOSITS, & MISC. DEPARTMENT OFPERSONAL PROPERTY INHERITANCE TAXAXRETURN RESIDENT DECEDENT ESTATE OF F21 LE NUMBER Espenshade, Constance M -13-1093 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the right of survivorship must be disclosed on schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 PNC Bank-#7692 779.45 2 PNC Bank-#5539 1,573.52 3 PNC BANK-#3319 500.17 4 PA SCDU -Support payment 350.00 5 PNC BANK-#7692 INTEREST 0.02 6 SOCIAL SECURITY 92.13 7 SOCIAL SECURITY 92.13 8 2002 CHEVROLET TRACKER 4,000.00 9 PERSONAL PROPERTY-Sold to Christy Espenshade 410.00 10 TANGIBLE PERSONAL PROPERTY-Robert Ensminger Appraisal 7,000.00 11 DONEGAL INSURANCE-Refund 131.00 12 DONEGAL INSURANCE-Homeowners Refund 94.00 13 PA AMERICAN WATER-Refund 53.57 14 REIMBURSEMENT OF MISCELLANEOUS WITHDRAWS BY CHRISTY ESPENSHADE 2,204.02 15 TV GUIDE-Refund 13.86 16 UNITED STATES TREASURY-Tax Refund 267.83 TOTAL(Also enter on Line 5, Recapitulation) 17,561.70 (If more space is needed,additional pages of the same size) Copyright(c)2010 form software only The Lackner Group,Inc. Form PA-1500 Schedule E(Rev. 11-10) Rev-1509 EX+(01.10) pennsylvania SCHEDULE F DEPARTMENT OF REVENUE JOINTLY-OWNED PROPERTY INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Espenshade, Constance M 21-13-1093 If an asset was made Joint within one year of the decedent's date of death,it must be reported on schedule G. SURVIVING JOINT TENANT(S)NAME ADDRESS RELATIONSHIP TO DECEDENT A. Porsha Pinder 200 N. 2nd Street Apt. 2 Granddaughter Wormleysburg, PA 17043 B. C. JOINTLY OWNED PROPERTY: DESCRIPTION OF PROPERTY %OF DATE OF DEATH ITEM LETTER DATE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT DATE OF DEATH DECD'S DECEDENT'SVALUE OF INTEREST NUMBER FOR JOINT MADE NUMBER OR SIMILAR IDENTIFYING NUMBER.ATTACH DEED FOR VALUEOFASSE7 INTEREST TENANT JOINT JOINTLY-HELD REAL ESTATE. 1 A 07/29/1999 PNC BANK#17454 5,200.65 50.000% 2,600.33 TOTAL(Also enter on Line 6, Recapitulation) 2,600.33 (If more space is needed,additional pages of the same size) Copyright(c)2010 form software only The Lackner Group,Inc. Form PA-1500 Schedule F(Rev.01-10) Rev-1510 EX+(08-09) SCHEDULE G pennsylvania . INTER-VIVOS TRANSFERS AND DEPARTMENT OF REVENUE INHERITANCE TAX RETURN MISC. NON-PROBATE PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER Espenshade, Constance M 21-13-1093 This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes. ITEM DESCRIPTION OF PROPERTY DATE OF DEATH %OF DECD'S EXCLUSION TAXABLE NUMBER THINCLUDE DATE OF TROANSFERSATfACH A COPE THEIR Y 0 THE RELATIONSHIP FFOREREAL ESENTT TE. VALUE OF ASSET ND INTEREST (IF APPLICABLE) VALUE 1 American Funds#9225-Beneficiary: 33,214.52 33,214.52 75%-Christy Leigh Espenshade, 503 Kevin Court, Camp Hill, PA 17011 25%-Porsha Pinder, 200 N. 2nd Street,Apt. 2, Wormleysburg, PA 17043 1 2 American Funds -Roth IRA#1337-Beneficiary: 7,385.71 7,385.71 75%-Christy Leigh Espenshade, 503 Kevin Court, Camp Hill, PA 17011 25%-Porsha Pinder, 200 N. 2nd Street,Apt. 2, Wormleysburg, PA 17043 3 RITE AID 401(K) -Beneficiary: 27,369.78 27,369.78 75%-Christy Leigh Espenshade, 503 Kevin Court, Camp Hill, PA 17011 25%-Porsha Pinder, 200 N. 2nd Street,Apt. 2, Wormleysburg, PA 17043 TOTAL(Also enter on Line 7, Recapitulation) 67,970.01 (If more space is needed,additional pages of the same size) Copyright(c)2009 form software only The Lackner Group, Inc. Folin PA-1500 Schedule G(Rev.08-09) REV-1511 EX+(10-09) pennsylvania SCHEDULE H DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERITANCE TAX RESIDENT DECEDENT RETURN ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER Espenshade, Constance M 21-13-1093 Decedent's debts must be reported on Schedule I. ITEM DESCRIPTION AMOUNT MBE A. FUNERAL EXPENSES: See continuation schedule(s) attached 1,875.00 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Christopher Espenshade Street Address 13510 Buglenote Way City Spotsylvania State VA Zia 22553 Year(s)Commission Paid 5,747.00 2. Attorney's Fees Diane G Radcliff, Esquire 5,747.00 3. Family Exemption: (If decedent's address is not the same as claimant's,attach explanation) Claimant Street Address City State ZiD Relationship of Claimant to Decedent 4. Probate Fees 158.50 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. Other Administrative Costs 12,157.76 See continuation schedule(s)attached TOTAL(Also enter on line 9, Recapitulation) 25,685.26 Copyright(c)2009 form software only The Lackner Group,Inc. Form PA-1500 Schedule H(Rev. 10-09) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Espenshade, Constance M 21-13-1093 ITEM NUMBER DESCRIPTION AMOUNT Funeral Ex ep nses 1 Auer Cremation Services of Pennsylvania, Inc. -(paid with Capital One Credit Card#4162) 1,875.00 H-A 1,875.00 Other Administrative Costs 2 7-ELEVEN -gasoline for rental truck 13.89 3 BANK FEE-Estate Checking Account Checks 18.15 4 BANK FEE -Research fee for deposited check 3.00 5 BEAUMONT SQUARE HOA 660.00 6 BEAUMONT SQUARE HOA 243.83 7 BUDGET TRUCK-Truck rental to remove personal property 294.63 8 BUDGET TRUCK-fuel upon return of truck 5.00 9 CARMAX-Title transfer 10.00 10 Christopher Espenshade-Reimbursement for fuel to travel to and from Spotsylvania,VA to 1,116.48 Pennsylvania to administer Estate(10112/13-8/11/14) 11 Christopher Espenshade-Reimbursement for out of pocket expenses to administer Estate 506.06 (10/13/13-9114114) 12 DAVID HELMAN -Home Repair 275.87 Copyright(c)2002 form software only The Lackner Group,Inc. Form PA-1500 Schedule H(Rev.6-98) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Espenshade, Constance M 21-13-1093 ITEM NUMBER DESCRIPTION AMOUNT 13 DAVID HELMAN -Home Repair 1,220.33 14 DAVID HELMAN -Home Repair 1,306.96 15 DONEGAL iNSURANCE GROUP-Homeowners Insurance Premium 351.00 16 DONEGAL iNSURANCE GROUP-Car Insurance Premium 285.00 17 HAMPDEN TOWNSHIP-SEWER 325.61 18 HAMPDEN TOWNSHIP-SEWER 155.05 19 HAMPDEN TOWNSHIP-SEWER 155.05 20 LOWE'S-Detail for carpet installation 35.00 21 LOWE'S-lock to protect personal property 17.14 22 MICHAEL LANGAN, TAX COLLECTOR-2014 County Real Estate Tax 426.75 23 MICHELE STEIGERWALD-Cleaning of house 200.00 24 PA AMERICAN WATER 53.57 25 PA AMERICAN WATER 15.00 26 PA AMERICAN WATER 15.93 27 PA AMERICAN WATER 22.15 28 PA AMERICAN WATER 15.23 29 PA AMERICAN WATER 84.34 Copyright(c)2002 form software only The Lackner Group,Inc. Form PA-1500 Schedule H(Rev.6-98) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Espenshade, Constance M 21-13-1093 ITEM NUMBER DESCRIPTION AMOUNT 30 PA AMERICAN WATER 21.13 31 PA AMERICAN WATER 16.02 32 PA AMERICAN WATER 12.33 33 PNC BANK-Mortgage Payment 565.16 34 PNC BANK-Mortgage Payment 561.08 35 PPL Electric 43.34 36 PPL Electric 45.14 37 PPL Electric 60.19 38 PPL Electric 54.39 39 PPL Electric 35.80 40 PPL Electric 28.22 41 PPL Electric 38.66 42 PPL Electric 314.61 43 PPL Electric 41.57 44 RESERVE FOR ADDITIONAL TAXES 1,000.00 45 ROBERT A. ENSMINGER-Personal Property Appraisal 350.00 46 ROSEY'S RUG RESCUE-Carpet Cleaning 84.80 Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6-98) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Espenshade, Constance M 21-13-1093 ITEM NUMBER DESCRIPTION AMOUNT 47 SHEETZ-gasoline for rental truck 75.00 48 SOCIAL SECURITY-Overpayment(11/2013) 92.13 49 SOCIAL SECURITY-Overpayment(10/2013) 92.13 50 UGI Utilities -Gas bill 90.84 51 UGI Utilities-Gas 80.64 52 UGI Utilities-Gas bill 85.65 53 UGI Utilities -Gas bill 16.40 54 UGI Utilities-Gas bill 21.12 55 UGI Utilities-Gas 95.01 56 UGI Utilities-Gas bill 62.17 57 UGI Utilities -Gas bill 17.08 58 UGI Utilities-Gas 13.66 59 VERIZON 222.47 60 WAGNER'S TAX SERVICE-Income Tax Preparation 90.00 H-B7 12,157.76 Copyright(c)2002 form software only The Lackner Group,Inc. Form PA-1500 Schedule H(Rev.6-98) Rev-1512 EX+(12.08) SCHEDULE 1 pennsylvania DEBTS OF DECEDENT, DEPARTMENT OF REVENUE INHERITANCE TAX RETURN MORTGAGE LIABILITIES AND LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER Espenshade, Constance M 21-13-1093 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 CAPITAL ONE CREDIT CARD-(Total amount owing$2100.85 which included the funeral bill 225.85 of$1,875.00) 2 DCM SERVICES -GE CAPITAL CARE CREDIT 2,006.10 3 MS HERSHEY MEDICAL CENTER-Medical 300.00 4 MS HERSHEY MEDICAL CENTER-Medical -2nd Visit 300.00 5 OSI -Medical 200.00 6 PENNSYLVANIA DEPARTMENT OF REVENUE-2013 Income Tax 71.00 7 PNC POINTS VISA 490.38 8 QUEST DIAGNOSTIC 20.00 9 SWEET ARROW SPRINGS 93.57 10 UNITED STATES TREASURY-2014 Income Tax 182.23 11 UNITED STATES TREASURY-2014 Income Tax 786.59 12 V. EUGENE KILMORE,JR., MD-Medical 35.00 13 VERIZON 90.26 TOTAL(Also enter on Line 10, Recapitulation) 4,800.98 (If more space is needed,additional pages of the same size) Copyright(c)2008 form software only The Lackner Group,Inc. Form PA-1500 Schedule I(Rev. 12-08) REVA 613 EX+(01.10) pennsylvania SCHEDULE J DEPARTMENT OF REVENUE INHERITANCE TAX RETURN BENEFICIARIES RESIDENT DECEDENT ESTATE OF FILE NUMBER Espenshade, Constance M 21-13-1093 RELATIONSHIP TO NUMBER NAME AND ADDRESS OF DECEDENT SHARE OF ESTATE AMOUNT OF ESTATE PERSON(S)RECEIVING PROPERTY Do Not List s (Words) ($$$) ITAXABLE DISTRIBUTIONS [include outright spousal distributions,and transfers under Sec.9116(a)(1.2)] 1 James Garrett Collins Grandson 10%of residue of 6795 Spring Road estate Shermans Dale, PA 17090 2 Angela (Consagra)Scamardella Friend 5%of residue of 720 Pisgah Street estate Shermans Dale, PA 17090 3 Artie Lee Espenshade Son 10%of residue of 2018 Braeburn Drive estate Mechanicsburg, PA 17055 4 Christopher Espenshade Son 10%of residue of 13510 Buglenote Way estate Spotsylvania,VA 22553 5 Christy Leigh Espenshade Daughter 75%Beneficiary 503 Kevin Court of 401(k)apd Camp Hill, PA 17011 investment accounts See continuation schedule attached Continuation Total Enter dollar amounts for distributions shown above on lines 15 throuclh 18 on Rev 1500 cover sheet as appropriate. NON-TAXABLE DISTRIBUTIONS: II. A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET Copyright(c)2010 form software only The Lackner Group,Inc. Form PA-1500 Schedule J(Rev.01-10) SCHEDULE J BENEFICIARIES (Part I,Taxable Distributions) ESTATE OF: Constance M Espenshade 09/26/2013 161-32-4356 Item Name and Address of Person(s) Share of Estate Amount of Estate Number Receiving Property Relationship (Words) ($$$) 6 Noah Espenshade Friend 5%of residue of estate 116 Liberty Way Carrollton,VA 23314 7 Tara Heisey Daughter 10%of residue of 720 Pisgah Street estate Shermans Dale, PA 17090 8 Kathleen Lee Ann Jordon Great-granddaughter 5%of residue of estate 28 Galway Circle Magnolia, DE 19962 9 Angela Leigh Lakis Granddaughter 10%of residue of 72 Pisgash State Road estate Shermans Dale, PA 17090 10 Mary Kelly Levendusky Friend 5%of residue of estate 117 Big Oak Road Dillsburg, PA 17019 1.1 Kim Ann Mahoney Daughter 20%of residue of 313 River Street estate Harrisburg, PA 17104 12 Porsha Pinder Daughter 25%Beneficiary of 401 200 N. 2nd Street,Apartment#2 (k)and investment Lemoyne, PA 17043 accounts 13 Ryan Christopher Roper Great-grandson 5%of residue of estate 28 Galway Circle Magnolia, DE 19962 Total 1 LAST WILL and TES- "IENT of Constance M. Espensh, --% compiled and written on February 15, 2009. This will makes any previous will null and void'. - As I have chosen to type this document for clarity I will hand sign every page. This is page #1. /-U, J9 First of all there is a will from years ago that Christopher had a lawyer friend of his draw up. I asked him last year to help me write a new one because so much has changed over the last few years. After multiple requests I decided to rely on the old adage, if you want something done, do it yourself. That's where we are today in February of 2009. 1 am of amazingly sound body for 70 years old and in the soundest mind I have ever been in. The following document is the most recent of my intentions after my demise. . So much has changed.and even though I choose not to destroy things I have written in the past, I do need to reflect the progress and maturing among some of my family members. That will covered after the initial bequest. If I still own my home at 4224 Nantucket Drive in Mechanicsburg whq ;I d. r,,' b_ iej I want the house sold. The proceeds from that sale are to be divideWrl> a follows: :XY M -- C1% --i C� r- )-- M 20% of the proceeds to Christopher Espenshade M 20% to my oldest daughter Kim Mahoney 15% to my son Lee Espenshade -all 10% to divided among Tara's 3 children 5% to my middle daughter Tara Espenshade (whatever name she*O Easing now) r- rn U-1 10%to my granddaughter Meghann Miller (maiden name) CO 5% to my first great granddaughter Kathleen Jordan 5% to my foster daughter Angela Consagra (maiden name and her social security number is in the old will.) 5% to my dear and lifetime friend Chris Mayersky 5% to my ex husband's son Noah Espenshade Christy Leigh Espenshade is my youngest daughter. Porsha Pinder is my granddaughter and I have named both of them as beneficiaries of my 401K and all other investment accounts. These are difficult financial times and the economy seems to be nose diving. If the profits from these accounts do not render at least the amount equal to a 20% share of the profits from the sale of my home, they get the difference before anyone else is awarded any money. If the money from the investments does amount to at least 20%for each of them or more, that,is their inheritance. The rest can be divided as described above. Comments on the bequests above are as follows: Christopher, my beloved son, has been faithful, helpful and loving. Even though ,.he is a bit of a scatterbrain and fills his life with more activities than he can handle, I have always known I could count on him. Chris, I am proud of the wonderful man you have become. You have a gentle heart and a beautiful soul and it has been my joy to be your mother. Chrissifer, I will always be there for you and never more than a whispered word away. LAST WILL and TES"! ']ENT of Constance M. Espensh, compiled and written on February 15, 2009. This will makes any previous will null and void. page #2 Kim has grown so much over the past few years that I am amazed and delighted. In the codicil to my first will I said some unkind things about our relationship and the place she was in at the time. Now things have changed and we have come a long way together. This is an illustration of the progress she and I have made. Kim, I have come to love and admire you more and more with the passing of the years and even if I am no longer here on earth I will be looking out for you and listening for your voice. You can take the bracelet. I was disappointed that I could never make you understand the significance of the bracelet and it's story. If I haven't been able to do that by the time you read this, ask Christy, she gets it. Lee, you were a joy to raise and sometimes the only sanity in a home with three teenage daughters. The love I have for you is from the depths of my soul and has gone unexpressed for so long. I regret there was no place for me in your life as an adult but I have never thought less of you because of it. Just know how proud of you I have always been and how deeply I will always love you. I know how uncomfortable you are with talk about feelings but I'm dead and I get the last word. Deal with it. I left some money to Tara and her children even though in all the years I sent cards and money for birthdays, I never received so much as a phone call or a thank you. I don't really blame the kids due to the horror stories about me Tara has filled their heads with over the years. Tara, you have copped out long enough. You, not I , are responsible for the way your life turned out. I have not made a decision or a choice for you since you were 17 years old. Your life is an accumulation of choices you made and I pray that in this lifetime you.will see that and take responsibility. Tara, there are some happy memories I hold fast to. The visits to you when you were in Nebraska and Des Moines. Those were difficult times for me and you were a joy and a comfort. We had fun together and those memories will always be special to me. When I was in danger of losing my home after Artie cut me off you unselfishly offered me money to help keep me afloat. Those memories are not much for a lifetime but special none the less. One of the best memories is the beach and spending time with Devin. She is a beautiful child and a joy to be with. I am sad for all the opportunities we missed. Meghann, You have grown into a woman I admire. You went to war to keep us safe at home, carved out a career for yourself and gave me the most perfect great- granddaughter on the face of the earth. I hope to really get to know her in the time left to me. You are an amazing photographer and there are no words to express my appreciation for the many pictures you sent home to us from Japan. I felt like I was a part of her development from her very first breath. One of my most precious and treasured memories is watching your mom with Katie. The love I saw in her eyes took my breath away. I imagine It was much like the first time I saw you. , Angela Consagra was my baby for two years from 6 weeks old. She is as much my child as those born to me. Tammy always kept her in our lives wether it was allowing LAST WILL and TES' ]ENT of Constance M. Espensh, compllbd and written on February 15, 2009. This will makes any previous will null and void. us take her on vacation or just having her at our home for a weekend. Tammy also included us in An c i ' important milestones and I love her for that Now that Tammy is pe s page #3 gone I will step in and watch ovehu=daughater . Angie, dy�Zare reading this I am with your mother and both of us will be watching. Make us proud. Chris Mayersky; you have been a friend to me as no other. You walked with me through the most difficult time in my life. We laughed, cried and shared our deepest thoughts and feelings. I always felt you were there for me and I always tried to be there for you. I'm so glad you came to Christy's that day to witness the moment of my deliverance from the darkest period of my life. Over the years we spent more time together than most married couples and I loved every minute of it. Whether I am here or in another dimension I will be with you always. Thank you for the joy, the humor and the special memories. They will stay with me no matter where I am. I love you. Ok Artie, I included your son in my will as a way of expressing my great joy for the new life and wonderful family you and Cindy created. I admit I didn't know why you had to trash our life together in order to embrace the new one. I guess you had to make me the enemy to justify the way you handled things. Like it or not I was in your life for a purpose and part of who you are came from knowing me. Yes, the good stuff too. You came into my life at the right time to save me from the emotional demons of my bewildering childhood. I know you paid a high price to help me overcome that mountain of insecurities. There really wasn't an age difference if you consider emotional maturity as a guide. No psychiatrist could have helped me the way you did. You gave love, sacrifice and patience. You tried to make me feel good about myself. I know from my insatiable need to be reassured the lesson wasn't learned. I also knew I had to go out on my own if I was to learn the rest. I just resisted facing it for as long as I could. You did the right thing at the right time but maybe just not the best way. My journey has been difficult but rewarding and I found a strength, courage and determination I didn't know I had. Thank you, and try to remember some of the good times from the years we spent together. For those moments in time we had much in common. We were-just destined towards a very different future. There are some of my possessions designated for certain people. Some will be mentioned here. At this time I am hoping I will stay here on earth for enough years that I can hand over some of these things in person. All Winnie the Pooh items go to Porsha. What a joy it was collecting them together. She will never for the rest of her life see Classic Winnie and friends without thinking of me. Mary Kelly gets the oriental egg in the glass case, Yes, I know it's broken. She told me to leave it that way because it reflected a period in her life. LAST WILL and TES- FENT of Constance M. Espensh. a compiled and written on February 15, 2009. This will makes any previous will null and void. page#4 01115)0 7 All of the artwork by Nancy Noel is for Christopher. He took me to the discount store at the beach where many of them were purchased. If you want any of them, ask Chris. I can't destignate furniture, except for the green china closet or.breakfront. Christy has always wanted that. The grape pattern Royal Worcestershire china goes to Kim. Mother, Kim 6d I always seemed to appreciate good china and I know it will be safe with her. Also take the china cups and saucers, some are mine and some are handed down from from"Nana. Save the China for Katie, When she is grown she can think of me from time to time. I will leave furniture\an,d furnishings to my children to divide. I want you to give anyone who wants to remember me, some token or item I loved. Claire gave me her animal dessert plates and I hahond memories of her every time I used them. Don't allow material things to cause bad feelings among you. I never want to see the hostility caused by the bracelet in this family again. I was ashamed of both of you. Oh yes, and I will be watching. The light green and white egg double yoked goose egg with the white cherubs is for Chris Mayersky. Chris, this was'pe at my most creative. Christy knows which Ostrich egg is hers. I made it just for her. From time to time I will add to this document but for today February 15, 2009 these are My final wishes. I lived a passionate life. I was always,\aonconformist and I made choices I knew no one could 'understand. I walked alone t rough challenging experiences driven by an unknown force, I persevered through the C)icism, knowing I picked an unpopular path but always staying true to my visions . Now, in the twilight of my life I don't regret any of the choices. I knew joy and love beyond my wildest dreams. I knew despair that almost destroyed me. I came through it all with a new�appreciation of human endurance. Don't judge. . me by the rules of society or religion. Tha6iever was my reality. I wanted to experience the limits of human emotion and I did-el And.someday you may realize that I I did a pretty good job with you kids too. If nothing e, I tried to prepare you for the real world where not everyone will think every thing you do is wonderful. I tried to toughen you up so you wouldn'tfall on your face when life was hard. I've seen some of you deal with adversity and come through it stronger and wiser. had a hand in that. TAra, take t a lesson from your brothers and sisters before you wast the rest of your life. Blaming others is a cop out, but it's never too late to change direction. God speed as you all move toward your destiny, I will be watching. Today is JULY 23, 2011. It is Saturday, my day for doing personal things and the distribution of my earthly goods when I leave this world is about as personal as it gets. I am updating my last will from February 15, 2009. As I did in that will I will hand sign and date every page. I checked on line for blank legal language documents for writing wills. They are annoying and confusing. One more way to line the pockets of lawyers by making simple things so complicated. I had a will drawn up years ago by a lawyer who is a friend of my son and that will is being replaced here but the Living Will portion of that document stands as written. Christopher has a copy of that document. I know we all have to die but I'm only doing it once. If my heart stops beating "let me go." I do not wish to be kept alive with machines or extraordinary measures. I will make sure I have enough money in the bank to cremate my remains because the cost of funerals in my opinion is a complete waste of money. I want to be cremated ASAP in whatever clothing I die in and the only service I care about is a party with beer for anyone who cares, not that I died, but that I lived. Christy had a good idea to put the announcement in the paper but not print any information about a service. Then invite anyone you want. There have been changes in my monetary bequests and in my relationships with my family since my will from February 15th 2009. 1 have a new great-grandchiId'A1ya4,% Christopher Roper and he expanded the love in my heart: like the gdnWs h* or,q, C> Christmas. Tara has come back into my life and I can love her agaiFwfthout hb-yinq;tqr - C', deal with constant rejection. I know what a busy life she has and I Q(1��6infortdn 6;6rr1 �_ A intentions even if they are seldom carried out. I have some new wo�- 6 1 memorise 10X _.r, time spent with her and that is enough for now. signed date If-4 3 L,n 10 c If my wishes documented here in a clear outline are determined to be illegal then this country is in worse shape than even I imagined. I am still in good health overall and the clarity of my mind improves every day. T1118-1iffle of life-is for Jr6fledfibh, processing, self discovery and understanding-every choice and decision that brought me to this place and time. I only have one regret and I already told Kim how sorry I am.. Artie saved my life. My message to him is described in my last will but this time I have words for Cindee Espenshade, his wife. I always knew Artie would leave me. I needed him to back away from me but lacked the courage to make the move on my own. I used to tell him it would be ok as long as he traded up. Honey, he did. He hit the lottery with you. I am grateful I got to know you, I just wish I could spend more time with you. Christopher, I am really sad that you not only moved out of the area but out of my life. You kind of dropped the ball on the "gay thing." I thought gay guys were mother's boys. I always looked forward to that. Don't say that I don't call you. I gave up when you didn't return my calls. I get my hopes up followed by disappointment. One thing I've learned is not to set myself up. I have loved you since the first moment I set eyes on you. Even your best efforts can't screw that up. If I still own my home at 4224 Nantucket Drive in Mechanicsburg at the time of my death 1 want the home sold and the proceeds divided as follows: Christy Espenshade and Porsha Pinder, my daughter and grand daughter respectively have been provided for through my investments. 5% for any unexpected expenses so none of my beneficiaries are charged. Anything left over throw it in the pot. Kim Mahoney, my oldest daughter is not financially solvent so she gets 20% Lee Espenshade, my oldest son has been successful so he gets 10%. Christopher Espenshade is financially solvent so he gets 10% Tara Espenshade , my middle daughter who is also financially solvent gets 10% which I hope she will use towards education for her youngest daughter, Devin Cox. My grand daughter Meghann Jordan Roper doesn't need the money. She will retire from the Air Force and be set so she can pursue her second career in photography. The 10% 1 leave her is for her two beautiful children, Kathleen Lea Ann Jordan and Ryan Christopher Roper. I am grateful every day that I was here to share them. I wish to give each of my grand children, James Garrett Collins and Angela Leigh Lakis 10%. Garrett is on his own and doing fine but I want him to know even though we don't see each other except for rare occasions, I am proud of him and I keep his picture on my fridge so I can see him every day. Angie is a young woman today and face book has allowed me to share her milestones. Angela Consagra my foster daughter ( her social security number is included in the first will) gets 5%. 1 have always watched over her when Tammy couldn't now it's my turn again. My foster daughter Mary Kelly Levendusky also gets 5%. Mary and I have a shared understanding of the spiritual aspects of this life and she gives me validation. It has been my privilege to share my gift with her. 5% gratuity to my ex husband's son Noah Espenshade. Artie and Cindee, I know it's not-much- compared-ta-all-you have givenme--but it's my way-of-saying; thankyou. I also wanted you to know I have always thought of you as family. The day of Lee and Pat's wedding was one of the best days of my life. I met Noah for the first time. I spent quality time with Cindee. It was good to see Artie again. It was Like seeing someone from the old neighborhood because I never really knew this Artie. The best part was knowing my son had finally found his love. It warms my heart to see them together. That perfect day was filled with all of my children, my grand children and even both of my great grandchildren together in one place. There was time to be with them all. I have the pictures and the memories. A day that I revisit often. I have been blessed. Thank you all for being a part of my story. signed date &0 T 1 e' o OMB Approval No.2502-0265 zcR III11 * III" a A. Settlement Statement (HUD-1) �earr oeJC� B. Type of Loan 1.❑FHA 2.❑RHS 3.N Conv.Unins. 6. File Number: 7. Loan Number: 8. Mortgage Insurance Case Number: 4.❑VA 5.Q Conv.Ins. IA-2014-038-C LAN140402708 C. Note: This form is furnished to give you a statement of actual settlement costs. Amounts paid to and by the settlement agent are shown. Items marked"(p.o.c.)"were paid outside the closing;they are shown here for informational purposes and are not included in the totals. D. Name and Address of Borrower: E. Name and Address of Seller: F. Name and Address of Lender: Derek A.Leidigh Estate of Constance M.,Espenshade Residential Mortgage Services, 216 Bella Vista Drive Christopher T.Espenshade„Administrator Inc. Marysville,PA 17053 4224 Nantucket Drive 24 Christopher Toppi Drive Mechanicsburg,PA 17050 South Portland,ME 04106 G. Property Location: H. Settlement Agent: I. Settlement Date: 4224 Nantucket Drive IonniAbstract Company Mechanicsburg,PA 17050 104 Walnut Street August 11,2014 Cumberland County,Pennsylvania Harrisburg,PA 17101 Ph. Place of Settlement: 4720 Carlisle Pike,Suite 300 Mechanicsburg,PA J. Summary of Borrower's transaction K. Summary of Seller's transaction 100. Gross Amount Due from Borrower: 400. GrossAmount Due to Seller: 101. Contract sales price 146,000.00 401. Contract sales price 146,000.00 102. Personal property 402. Personal property 103. Settlement Charges to Borrower Line 1400 6,044.05 403. 104. 404. 105. 405. Adjustments for items paid by Seller in advance Adjustments for items paid by Seller in advance 106. County/Twp.Taxes 08/11/14 to 12/31/14 166.14 406. Countyrrwp.Taxes 08/11/14 to 12/31/14 166.14 107. School Taxes 08/11/14 to 06/30/15 1 1,346.91 407. School Taxes 08/11/14 to 06/30/15 1,346.91 108. HO Dues 08/11/14 to 09/30/14 119.50 408. HO Dues 08/11/14 to 09/30/14 119.50 109. Sewer 8/11 to 9/30/14 92.50 409. Sewer 8/11 to 9/30/14 92.50 110. 410. 111. 411. 112. 412. 120. Gross Amount Due from Borrower I 153,769.10 420.Gross Amount Due to Seller I 147,725.05 200. Amounts Paid by or in Behalf of Borrower500. Reductions in Amount Due Seller: 201. Deposit or earnest money 2,000.00 501. Excess deposit see instructions 202. Principal amount of new loans 141,620.00 502. Settlement charges to Seller Line 1400 11,992.52 203. Existing loans taken subject to 503. Existing loans taken subject to 204. 2nd Morta e-PHFA 5,666.50 504. Payoff First Mortgage to PNC Bank,N.A. (8/15/14) 37,817.75 205. 505. Payoff Second Mortgage 206. 506. 207. 507. (Deposit disb.asproceeds) 208. 508. 209. 509. Adjustments for items unpaid by Seller Adjustments for items unpaid by Seller 210. County/Twp.Taxes to 510.Coun /1-w .Taxes to 211. School Taxes to 511. School Taxes to 212. HO Dues to 512. HO Dues to 213. 513. 214. 514. 215. 515. 216. 516. 217. 517. 218. 518. 219. 519. 220. Total Paid by/for Borrower 149,286.50 520. Total Reduction Amount Due Seller 49,810.27 300. Cash at Settlement from/to Borrower 600. Cash at settlement toffrom Seller 301. Gross amount due from Borrower line 120 153,769.10 601. Gross amount due to Seller line 420 147,725.05 302. Less amount paid by/for Borrower(line 220) �( 149,286.50) 602. Less reductions due Seller(line 520) ( 49,810.27 303. Cash ❑X From 0 To Borrower 4,482.60 1.603. Cash ❑X To E] From Seller 97,914.78 Paid artsida of dosing by borrwsr(B),sel ler(S),larder(U,a hrd-party(T) The Public Reporting Burden for tris cdleclim of infamatim is estimded at%minules pa resper,se for collecting,revieWng,and reporting the dew.TNs agericy may rent collect this irdormatim,and you are not required to canplele this form,mess it displays a c rrently valid OMB gZtrd nmba.No cafidentiality I s assured;trs disclosure Is mandatory.Tits is designed to provide the parties to a RESR4ccvered trartsactim WM iruerm atlm duringate setdem am process. Page 1 of 3 HUD-1 (IA-2014-038-C.PFD/IA-2014-038-C/28) L.Settlement Charges 700.Total Real Estate Broker Fees $8,760.00 Paid From Paid From Division of commission(line 700)as follows Borrowers Sellefs 701, 4 x Really Prpfessionals Funds at Funds at 702. 4,380.00 to RSR Realtors LLC Settlement Settlement 703.Commission paid at settlement 8,760.00 704.Broker fee to ReMax Realty Professionals Inc. 175.00 705. 800.Items Payable in Connection with Loan 801.Our origination charge $ 750.00 (from GFE#1) 802.Your credit or charge(points)for the specific interest rate chosen $ (from GFE#2) �',.COMES 803.Your adjusted origination charges from GFE#A 750.00x': 804.Appraisal fee to Stouffer's Appraisals from GFE#3 410.00 805.Credit Report to Birchwood Credit services,Inc. from GFE#3 63.95 806.Tax service to from GFE#3 807.Flood certification to FirstAmerican Flood from GFE#3 15.006) ' 808. from GFE#3 3 `u�> 809. from GFE#3u` 810. from GFE#3a, a 811. (from GFE#3) 900.Items Required by Lender to Be Paid in Advance 901.Daily interest charges from 08/11/14 to 09/01/14 21 @ $20.370000/da from GFE#10 427.77 j 902.Mortgage insurance premium for months to from GFE#3 hn 903.Homeowner's insurance for 1.0 ears to Safeco Insurance Looker Wole&Ge hart a from GFE#11 485.00( a TNS 904. from GFE#11g 905. (from GFE 1000.Reserves Deposited with Lender 1001.Initial deposit for your escrow account (from GFE#9) 608.58 1002.Homeowner's insurance 3.000 months @ $ 40.42 per month $ 121.26 f4k + Nj , 1003.Mortgage insurance monthsper months 1004.Property taxes 1005. ;•'w' -;MFFEW- 1006. FEW- 1006.Coun /Tw .taxes 7.000 months @ $ 35.56 per month $ 248.92 MOM- MOEN 1007. School Tax 3.000 months @ $ 126.88 per month $ 380.64 NO, , "Al 1008. $ xzs 3 = Y 1009.Aggregate Adjustment $ -142.24 $� 3h 1100.Title Charges 1101. Title services and lender's title insurance from GFE#4 1,231.75 1102. Settlement or closing fee to lonni Abstract Company 350.00 6 " 1103. Owner's title insurance to Stewart Title Guaranty Company from GFE#5 1104. Lender's title insurance to Stewart Title Guaranty Company 631.75 1105. Lender's title Policy limit 147.460.00 1106. Owner's title policy limit $ 146,000.00E € .'=;, 1107. Agent's portion of the total title insurance premium . ,°- 1108. Underwriter's portion of the total title insurance premium to Stewart Title Guaranty Company $ 150.00 sf 1109. 2014 School tax to Michael Langan,Treasurer $ 1,522.52 1110. $ 1111. $ 1112. $ 1113. $ 1200.Government Recording and Transfer Charges 1201.Government reoDrding charges to Reoorder's Office from GFE#7 192.00 1202.Deed 81.00 Mortgage $ 111.00 Releases Other : NSF , 1203.Transfer taxes to Recorder's Office from GFE#8 1 460.00 W0 12. 1204.City/County City/Countytax/stamps $ 1,460.00 $ ?,4 1205.State tax/stamps $ 1,460.00 $ --a�K�c��.•�,�'` 1,460.00 1206. 1207. 1300.Additional Settlement Charges 1301.Required services that you can shop for from GFE#6 Kms;7a" 1302. $ 1303. New Owner Fee-Capital Improvement to Beaumont Square HomeownersPssocfati( $ 400.00 1304. UPCADoc fee(resale Cert) to Beaumont Square HOAssooiation $ 75.00 1305. $ 1400.Total Settlement Charges(enter on lines 103,Section J and 502,Section K) 6,044.05 11,992.52 'Paid outside of closing by borrwer(B),selle(S),lwder(U,a third-pety(T) tl Bysigningpage l cftHsstateneK mesi"a im a cknodedgermeipiora c iplaodcoay orpoge2&3o1lres tlrwpage t0 Ion ' ra ompan, ettlem Agent Page 2 of 3 HUD-1 (IA-2014-038-C.PFD/IA-2014-038-C/28) Comparison of Good Faith Estimate(GFE)and HUD-1 Charges Good Faith Estimate HUD-1 " Charges That Cannot Increase HUD-1 Line Number Our origination charge # 801 750.00 750.00 Your adjusted origination charges # 803 750.00 750.00 Transfer taxes #1203 1,460.00 1,460.00 Charges That in Total Cannot Increase More than 10% Good Faith Estimate HUD-1 Government recording charges #1201 165.00 192.00 Appraisal fee # 804 475.00 410.00 Credit report # 805 65.00 63.95 Flood certification # 807 15.00 15.00 Title services and lender's title insurance #1101 1,755.00 881.75 Total 2,475.00 1,562.70 Increase between GFE and HUD-1 Charges $ -912.30 or -36.86 Charges That Can Change Good Faith Estimate HUD-1 Initial deposit for your escrow account #1001 2,276.91 608.58 Daily interest charges #901 $ 20.370000/day 346.29 427.77 Homeowner's insurance # 903 659.64 485.00 Title services and lender's title insurance #1101 350.00 Loan Terms Your initial loan amount is $141,620.00 Your loan term is 30.00 years Your initial interest rate is 3.2500% - Your initial monthly amount owed for principal,interest and $782.03 includes any mortgage insurance is ❑X Principal ❑ Interest ❑ Mortgage Insurance Can your interest rate rise? ❑X No ❑ Yes,it can rise to a maximum of %:The first change will be on and can change again every_months after Every change date,your interest rate can increase or decrease by %. Over the life of the loan,your interest rate is guaranteed to never be lower than %or higher than %. Even if you make payments on time,can your loan balance rise? Q No ❑ Yes,it can rise to a maximum of$ Even if you make payments on time,can your monthly Q No ❑ Yes,the first increase can be on and the monthly amount owed for principal,interest,and mortgage insurance rise? amount owed can rise to$ The maximum it can ever rise to is$ Does your loan have a prepayment penalty? ❑X No ❑ Yes,your maximum prepayment penalty is$ Does your loan have a balloon payment? ❑X No ❑ Yes,you have a balloon payment of$ due in_years on Total monthly amount owed including escrow account payments ❑ You do not have a monthly escrow payment for items,such as property taxes and homeowner's insurance. You must pay these items directly yourself. ❑X You have an additional monthly escrow payment of$202.86 that results in a total initial monthly amount owed of$984.89. This includes principal,interest,any mortgage insurance and any items checked below: ❑X Property taxes ❑X Homeowner's insurance ❑ Flood insurance ❑X School Taxes ❑ ❑ Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your lender. Page 3 of 3 HUD-1 (IA-2014-038-C.PFD/IA-2014-038-C/28) HUD-1 Attachment Borrower(s):Derek A.Leidigh Selle(s): Estate of Constance M.and Espenshade 216 Bella Vista Drive 4224 Nantucket Drive Marysville,PA 17053 Mechanicsburg,PA 17050 Christopher T.Espenshade,and Administrator Lender:Residential Mortgage Services,Inc. Settlement Agent:lonni Abstract Company Place of Settlement:4720 Carlisle Pike,Suite 300 Mechanicsburg,PA Settlement Date:August 11,2014 Property Location:4224 Nantucket Drive Mechanicsburg, PA 17050 Cumberland`County, Pennsylvania Additional Adjustments For Items Paid By Seller In Advance(Borrower Debit) Description Amount From/Through Prorated Amount Seller Loan Payoff Details Payoff First Mortgage to PNC Bank,N.A. (8/15/14) Loan Payoff As of Total Additional Interest days @ Per Diem Total Loan Payoff 37,817.75 Adjusted Origination Charge Details Origination Charge Origination Charge 750.00 to Residential Mortgage Services,Inc. Total $ 750.00 Origination Credit/Charge(points)for the specific interest rate chosen Total $ Adjusted Origination Charges $ 750.00 Reserves Deposited with Lender Homeowner's Insurance 121.26 3.000 at 40.42 per month County/Twp.taxes 248.92 7.000 at 35.56 per month School Tax 380.64 3.000 at 126.88 per month Aggregate Adjustment -142.24 Total $ 608.58 Title Services and Lender's Title Insurance Details BORROWER SELLER WARNING: It is a crime to knowinglymake false statements to the United States on this or any similar form. Penalties upon conviction can include a fine and imprisonment. For details see: Title 18 U.S.Code Section 1001 and Section 1010. (IA-2014-038-C.PFD/IA-2014-038-C/28) HUD-1 Attachment- Continued Closing Service Letter 75.00 to Stewart Title Guaranty Company Overnight Mail-Loan Docs 25.00 to FedEx Title Search fee 150.00 to lonni Abstract Company Settlement Fee 350.00 to Ionni Abstract Company Lender's title insurance 631.75 to Stewart Title Guaranty Company Total $ 1,231.75 $ 0.00 Lender's Title Insurance BORROWER SELLER 'fees also shown above in Title Services and Lenders Title Insurance Details Lender's Policy Premium 481.75 to Stewart Title Guaranty Company Lender's Endorsement Charges 150.00 Endorsement Endorsement Charge PA Endorsement Form 100 50.00 PA Endorsement Form 300 50.00 ALTA Endorsement Form 8.1 (Environmental Protection 50.00 Lien) Total $ 631.75 $ 0.00 WARNING: It is a crime to knowingly make false statements to the United States on this or any similar form. Penalties upon conviction can include a fine and imprisonment. For details see: Title 18 U.S.Code Section 1001 and Section 1010. (IA-2014-038-C.PFD/IA-2014-038-C/28) Sep. 8. 2014 9:48AM PNC Bank No. 2214 P. 1 Q *PNC September 8, 2014 Diane G Radcliff Esq. 3448 Trindle Road Camp Hill PA.17011 RE: Constance M Espenshade SSN: DOD: 09-26-2013 Dear Ms. Radcliff- In. adcliffIn response to your request for Date of Death (DOD)balances for the customer noted above, our records show the following: Checking Account Account# 5004585539 Established: 11-29-2004 CONSTANCE M ESPENSHADE HOUSEHOLD DOD balance: $ 1,573.52 non-interest bearing Accowit#5070067692 Established: 08-10-1990 CONSTANCE M ESPENSHADE DOD balance: S 779.45 +0.00 accrued interest Interest paid 01-01-2013 thru 09-26-2013 $ 0.00 YTD Savings Account Account#5002047454 Established: 07-29-1999 PORSHA PINDER CONSTANCE M ESPENSHADE DOD balance: $ 5,200.61 +0.04 accrued interest Interest paid 01-01-2013 thru 09-26-2013 $ 0.48 YTD Account# 5004303319 Established: 11-29-2004 CONSTANCE M ESPENSHADE ESCROW DOD balance: $ 500.16+0.01 accrued interest lrxterest paid 01-01-2013 thru 09-26-2013 $ 0.06 YTD Loan Account The decedent maintained Loan Account 4001008114219477. For further information and assistance, please.contact 1-888-762-2265. This is a voice activated system. Please state the word"operator" and follow the prompts to speak to a Loan Financial Service Consultant_ Page 1 of 2 Sep. 8. 2014 9:48AM PNC Bank No- 2214 P. 2 Please note that this office provides dale of death balances for deposit accounts(IRAs, CDs, Checking and Savings)_ We do not process any financial transactions or provide statements. If you need assistance with any of these items,please call 1-888-PNC-BANK(1888-762-2265) or stop by your local PNC Bank branch office_ Sincerely, National Financial Services Center PNC Bank,N.A. Member FDIC This message is intended for the use of the individual or entity to which it is addressed and may contain information that is privileged confidential and exempt from disclosure under applicable law. If the reader of this message is not the intended recipient or the employee or agent responsible for delivering this message to the intended recipient,you are hereby notified that any dissemination, distribution or copying of this communications is strictly prohibited. Ifyou have received this communication in error,please notify me immediately by reply or by telephone at 800-762-1775 and immediately destroy this faxed document Page 2of2 --�-� = - ISI{(IIiIIGIIiiN�Il�ilIIIINIMIIIWIIIIap CARMaw Vehicle Purchase Agmemen# _�oasr a.asst (1)ApprelealOffer $ 4,000.00 Sellers Name CONSTANCE M ESPENSHADE (2)Discharge of Llan to: .00 Social Security 0Llenholder 5 Estimated Payoff Sellers Address 13510 SUGLENOTE WY. SPOTSYLVANIA,VA 22553 Account No. Sailers Name Address(Street) Social Security ff (Ctly/Stawop) Seller's Address Phone- Purchasers Store Name/Location CarMax Auto Superstores,Inc. (3)ESP Cancellation S .00 Purchasers Address ESP Cancellation 10400 SGUTHPOINT PARKWAY Amount FR DERICKSBURG,VA 22407 (4)Amount Due to Seller(If 2-3)Is less than(1)). $ 4,000.00 VEHIgLE YOU ARE SELUNO(THE WEHICLE") Positive Equity r (S)Amount Due to Purchaser(If 2-3)is Year 2002 Make CHEVROLET Model TRACKER greater then(1)). _ .00 N VIN 2CNSJ13CO26923519 Mileage 79,047 By executing this Vehicle Purchase Agreement(the'Agreemenr),you sell,transfer,and convey all rights,title,and interest in and to the Vehicle to CarMax,Its sucoessOre and assigns,and CarMax accepts all such rights,title,and interest in and to rite Vehicle. You warrant and represent that(a)you are the sole legal and record owner of the Vehicle and that,except as kibritifbd in Line(2)above,no other party has any interest or claim of interest In or to the Vehicle,(b)the Vehicle is free from all security Interests,liens,cinemas, palm of ownership,and encumbrances and(c)that you he"the right to sell the Vehicle outright or upon payoff of the Uainholdar(s) shown in Una 2 the Vehicle will be free from all Rens. The We of the Vehicle to Carftx to a final sale and Is net connected In any way to a purchase of another vehlds by you from CarMax. MLEAGE DISCLOSURE You warrent and represent that the mileage Identified above and on the Instruments to transfer title refects the actual mlleage of the Vehicle unless one of the following statements Is checked: _ Reflects the amount of mieage in excess of mechanical limits Is NOT actual mileage(odometerdiscrepenCy). LiENHOLDiM INFORMATION You acoept CarMax's offer to purchase the Vehicle for the amount specified In Une(1)above,which Is equal to the offer amount an the Appraisal Offer form previously provided to you and incorporated by reference. if there idare lienhoider(s)for the Vehicle,CarMax will pay the amount of the liens obtained from the Ilenholdsr(s)on your behalf,as reflected in Una(2)('Estimated Payoff'). You suthortza CarMax to contact the Iienhotdar(s)lo obtain whatever information is necessary to pay off the Ilene and hensfar title and you give the lienholder(s)authorization to release this information to CarMax. The Estimated Payoff may be greater or less than the amount that Is actually due to the Hanholder(s)to transfer title('Actual Payofr), You agree to pay CarMax the difference between the TOW Estimated Payoff and the Actual Payoff pros any additional costs Incurred by CarMax,upon demand. In order for you to transfer a marketable owtHk*e of title,all liens on the Vehicle must be paid. If the Actual Payoff to less than itis Tow Estimated Payoff,you will receive a refund of the difference from your lienholder. If you purchased another vehicle from CarMax and financed the other vehicle with CorMax and your refund is$200 or more,CarMax will send the refund to the lenholder that purchased your retail Installment contract. CorMax will pay you the amount specified in Una 4(if any)In one of two ways. CorMax may issue you a bank draft for the amount specified In Una 4,which must be deposited and may be held by your bank. If you are purchasing another vehicle from CWMatc 0 the time you are selling this Vehicle,you may have the amount specified in Una 4 applied to the purchase of that Vehicle either as a'trsde- In credir or'down payment.' You agree that It the amount shown In Una 2 minus Une 3 is greater than Line 1,you wig pay CarMax the difference shown In casts or certified funds,as reflected In Una 5('Negative Equity'},which may Increase In the event the TOW Estimated Payoff Is Is"than the Actual Payoff. If you arepurchasing another vehicle from Catfdax,the entity financing that ttansaWat miry agree to**no*the Negative Equity and will pay CarMax the Negative Eq;wty on your behalf. if you purchase another vehicle from CarMuor and subsequently return the vehicle,you agree to repay CarMax the entire amount of the Negative Equity In cash or other certified funds at or before return. PFF291 MBS IO 1$00000 fir* 520023 legal-KK RevWw Das OM You warrant and represent that none of the tide cr ownership documents presented by you,including,but not limited to,the certificate of ti le,odometer disclosure statements,vehicle registration,and/or power of attorney,are altered,forged,fraudulent,obtained by unlawful or fraudutent means,and/or faletfied in any way. You warrant and represent that eq statements,disclosures,representations, and warranties you have provided us herein and as shown on the Appraisal Offer form and the'Instrumente used to transfer title,are true,correct,and complete. In the event any of the Information provided Is Incorrect Incomplete,false,andfor fraudulent or N the' information on the oerWlcate of title or title history Is different from the warranties and representations provided,you will be deemed to have breached this Agreement Our ability to secure a marketable certificate of title for the Vehicle Is a condition subsequent to this Agreement. If,for army reason,we are unable to secure a marketable certificate of title,you will be deemed to have breached this Agreement You agree to cooperate with CarMax in the completion and execution of any and all documents required to transfer trde under applicable state law,includfng but not limited to,execution of title documents or Instniments to transfer title,odometer disclosure statements,and damage disclosure statements. Your refusal to cooperate will be considered a breach of this Agreement. You warrant and represent that,unless indicated on the Appraisal Offer,the Certificate of Title for this Vehicle is not now nor has ever been branded'Saivega;nor is it a recovered theft vehicle or purchased with stolen funds. A Salvage vehicle Is defined as a vehicle(1) ecduired by an Insuranoe company as part of the Balms process,(2)damaged as a result of collision,fire,flood,or an other occurrence to such an extent that its cost of repair would exceed he actual cash value. You warrant and represent that,except as noted on the Appraisal Offer,the Vehicle has not been rebuilt or reconstructed,has not suffered frame damage or flood damage,has never had its speedometer or odometer broken or replaced,and has not been subject to a manufacturer's repurchase or Lemon Law repurchase. You represent and warrant that,other than noted on the Appraisal Offer form,the Vehicle has no known accident or body damage and Is free from mechanical problems. You represent and warrant that there are no outstanding manufacturer's recalls for the Vehicle and that,to the best of your knowledge,the Vehicle's air bags(d provided as indicated on the dash,steering wheel,seats,and/or pillars)are In good working order and have never deployed. You represent and warrant that the Vehicle is legally present in the United States and If the Vehicle was manufactured for use outside the United States,it was Imported In compliance with all U.S.Customs and Border Protection Iawa and regulations. You warrent and represent that there are no unpaid parking tickets,unpaid takes,and/or other unpaid municipal or government fees and/or fines associated with the Vehicle and that you are responsible for the payment of such If they exist. You agree to indemnify and hold CarMax harmless for any and all liability for such tickets,taxes,fees,and fines. BJJ��H ANb UABiLITY Any breach of this Agreement,Including but not limited to,any untrue;false,fraudulent,Incomplete,incorrect,or misleading representation or warranty made by you In this Agreement,may,at CarMax's option,result in the cancellation of this Agreement. CarMax reserves the right to cancel the"is at its sole option for any reason. If we cancel this safe,any draft tendered to you(or trade- in credit given)for the Vehicle may be voided at our sole discretion without notice to you and you will immediately return any voucher, monies,or trade-incredit given in a manner and•time prescribed by CarMax. If the sale Is cancailed following our payoff of the liens in Line 2,you aro responsible for refunding that amount to CarMax. if you applied the proceeds from this safe to the purchase of another vehicle from CarMax and this sale in cancelled,you shall be solely liable for the effected portion of your down payment or trade-in credit for that other vehicle, Should(1)any statement,disdoaure,representation,warranty,or any part hereof,prove to be untrue,false, fraudulent,incomplete,Incorrect or misleading,or(2)you broach this Agreement,or(3)there occurs a violation of any applicable federal,state,or local law,regulation,or ordinance attributable to arty act or omission by you In connection with the sale of the Vehicle, any of which causes us directly or indirectly to Incur any liability whatsoever,you hereby agree to indemnify,defend us,and hold us harmless from and against such liability,cost,damage,claim,fine,causes)of action,penalty(Including reasonable attorney's fees), whether at law or In equity,known or unknown. MISCELLANEOUS STATE$PECIFIC REQUIREMENTS North Carolina Belton attest to signing the NC Damage Disclosure Statement,which is Incorporated by reterenoe, Georgia, Kentucky,and Texts Sellers: You agree that you are responsible for all unpaid ad valorem taxes assessed against the Vehicle and you agree to indemnNy and hold us harmless from any and all liability for such taxes, Callfornla Sellers: If you purchase another vehicle owcurrentiy with your sale of this Vehicle to CarMsx and exercise your rights under a Vehicle Contract Cancellation Option Agreement,then this Agreement Is subject to cancellation under the conditions provided In the Vehicle Contract Cancellation Option Agreement. See the Vehicle Contract Option Agreement for full details. The law of the state in which this Agreement was signed shall appy to the execution,construction,and performance of this Agreement. You agree to submit to personal jurisdiction In the state and locality where this Agreement was signed. No waiver of this Agreement shall be effective nor breach excused unless in writing and signed by all parties. Except as otherwise noted,this is the entire Agreement between the parties with respect to the Vehicle. AUTHOROMON TO COPY DRIVER'S LICENSE In an effort to combat fraud and prevent identity theft,CarMax reviews and maintains copies of Its customers'driver's licenses. By executing this document you consent to CarMax making and retaining a copy of your driver's license by photocopier,electronic scanner,or otherwise. You acknowledge receiving and reading entirely,prior to signi6b, A., ement a e Apprais I Offer,which is Incorporated by reference. By executing this document,you represent thatound IM gree nt. /SELL(ER: ax,as nt. 1� t-33 iL � bJ5 t_ _ 02/2812014 2812014i r e Signa Date to- Iter' nature- - -Date — e ® Customer Information Name(s)On title CAR10 Number: 117354 Name: CONSTANCE M ESPENSHADE M11 a" Name: CHRISTOPHER TODD ESPENSHADE THE AUTO SUPERSTORE Address: 13510 BUGLENOTE WY CarMax,INC.#7291 SPOTSYLVANIA,VA 22553.0000 10400 SOUTHPOINT PARKWAY FREDERICKSBURG.VA 22407 Detail Stotk Number. 10175397 VIN; 2CNBd13C926923519 Mileage 79047 Body; 4p.SPORT UTILITY Year: 200E Make: CHEVROLET Model: TRACKER Trim; (notrim) Check Information Carmaxe Comments ,Number: 7291019986 Appraiser: THANK YOU FOR DOING BUSINESS WITH CARMAX011 Date: 02/28/14 Cashier: ZZ Amount: 34,000.00 PLEASE DETACH AND RETAIN FOR YOUR RECORDS ROBERT ENSMINGER APPRAISERS REAL ESTATE and PERSONAL PROPERTY 357 Ehnertou Avenue January 28, 2014 klarrisburg,PA 17109-1.1.32 Christopher Espenshade 717-652-4111 voice 13510 Buglenote Way 717-370-5777 717-877-7350 Cell SPotsY lvania, VA 22553 el tbreecomps@eomeast.net or RE: Estate of Constance Espenshade Robertansmin erg s.net www.Ensmin erg s_net Dear Mr. Espenshade: In accordance with your request, I have appraised the personal property of Constance Espenshade, Deceased. The property is located at 4224 Nantucket Drive, Mechanicsburg, PA 17050. 1 have made a physical inspection of the items listed in the attached report on January 17, 2014. The values shown have been arrived at after a careful study of the property. I believe it to reflect a true measure of its estimated value as of September 26, 2013. The intended users of this report are the executor(s) or the administrator(s) of the estate, estate attorneys and the PA Department of Revenue. There are no other intended users. The intended use of this report is for estate purposes. Estimated value is defined as the appraiser's professional opinion of the estimated gross amount, expressed in terms of cash, which the listed assets would typically realize if exposed for public sale at a properly advertised and professionally managed orderly liquidation at a listed or negotiated price usually within a short period of time of the effective date of this report. Further consideration is given to the ability of the assets to draw sufficient prospective buyers to insure competitive offers are considered. All items are valued on a per item basis, in "as is" condition, with purchasers responsible for removal of assets at their own risks and expenses. Any deletions or additions to the total package could change the psychological and/or monetary appeal necessary to gain the price indicated. Taking into account all of the factors set forth in the pages that follow, it is the opinion of the undersigned that the estimated value of the listed personal property is Seven Thousand Dollars ($7,000.00.) Employment in and compensation for making this appraisal are in no manner contingent upon the value reported and I certify that I have no financial interest in the property appraised, present or contemplated. Very truly yours, Robert A. Ensminger ' r Estate of Constance Espenshade ITEM VALUE Sentry lock box $ 25.00 Chinese urn $ 15.00 Mahogany hall table $ 35.00 Lam $ 15.00 Limited edition doll $ 50.00 Mahogany wall cabinet & contents $ 100.00 Framed prints $ 15.00 Nancy Noel prints $ 100.00 Entertainment center & contents $ 50.00 Maggy Sarah Baker $ 25.00 Glass dome & egg $ 25.00 Bird bath & fountain $ 35.00 Candles, lams $ 10.00 Doll $ 25.00 Glass dome & egg $ 15.00 Flatware, service for 8 $ 20.00 Lam $ 15.00 Misc. contents of buffet $ 30.00 Large print $ 40.00 Small round glass top table $ 40.00 Lam $ 15.00 Leather sofa $ 250.00 Queen Anne table $ 50.00 Letter box $ 5.00 iMac computer - 2009 $ 75.00 Dell Inspiron 15R 5520 laptop computer - Windows 7 $ 200.00 Breakfront $ 100.00 Table & 4 chairs $ 150.00 Glass domes $ 30.00 Beaumont Square print $ 10.00 Sewing box $ 5.00 Misc in living room $ 35.00 Misc. in powder room $ 20.00 Throw rugs $ 20.00 Curio cabinet & contents $ 150.00 Small round marble top table $ 40.00 Oval mirror $ 20.00 Wicker chair $ 50.00 Wicker stool $ 25.00 Buffet $ 100.00 Wall cabinet & contents $ 60.00 Bird baths $ 20.00 Planter pots & baskets $ 35.00 Green swivel rocker $ 50.00 Dolls $ 50.00 Page 1 of 4 Estate of Constance Espenshade ITEM VALUE Cindy Marschner Rolfe limited edition doll $ 50.00 English china $ 30.00 Teddy bears $ 30.00 Wedding dress $ 30.00 Glass end table $ 60.00 Doll $ 20.00 Dog $ 10.00 Sofa $ 150.00 Glass coffee table $ 50.00 Winnie the Pooh collection $ 75.00 Chandelier & candies $ 50.00 China cabinet $ 75.00 Bidr cage $ 30.00 Misc. in dining room $ 60.00 Egg for Chris $ 5.00 Egg for Tara $ 5.00 Cow collection $ 30.00 Torchiere lamp $ 20.00 Ice cream parlor table & chairs $ 75.00 Bakers rack $ 60.00 Painted wash stand $ 75.00 Dishes, glassware, utencils $ 40.00 Small appliances $ 35.00 Pots, pans, bakeware $ 20.00 Misc. in kitchen $ 60.00 Patio table & 2 chairs $ 35.00 Patio swing $ 35.00 Chaise lounge $ 10.00 Clock $ 20.00 Misc. in yard $ 40.00 Marble inlaid coffee table $ 75.00 Lam $ 15.00 Decor on table & pegboard $ 40.00 Bookshelf $ 20.00 Contents of shelf $ 35.00 Dehumidifier $ 15.00 Shop vac $ 25.00 Weed wacker & cord $ 25.00 6' ladder $ 15.00 7 x 35 binoculars $ 25.00 8 Cabbage Patch Little People - stamped signature $ 200.00 4 signed Cabbage Patch Little People $ 300.00 Misc. dolls $ 125.00 Misc. doll clothes $ 25.00 Lane cedar chest $ 50.00 Page 2 of 4 Estate of Constance Espenshade ITEM VALUE Misc. decorations and craft supplies $ 125.00 7 shelf units $ 70.00 Bed $ 10.00 Metal chair $ 10.00 Puzzles $ 10.00 Printer $ 10.00 Exercise ball & trampoline $ 15.00 Play pen $ 5.00 Organizers $ 25.00 Lamp shades $ 10.00 Blankets, pillows, crib $ 20.00 Bea r $ 40.00 TV trays $ 20.00 4' floding table $ 20.00 8' folding metal table $ 10.00 Chaise lounge $ 20.00 Misc. in basement $ 100.00 Mirror $ 40.00 Quilt rack $ 25.00 Moisc. In hall $ 20.00 Dyson vacuum $ 60.00 Bedroom furniture $ 80.00 Chair $ 45.00 Desk chair $ 15.00 Misc in bedroom $ 70.00 Desk $ 225.00 Bed $ 500.00 Craftmatic bed foundation $ 25.00 Headboard, night stand, armoire $ 125.00 Dresser & chest of drawers $ 250.00 Night stand $ 35.00 Wicker planter & chair $ 35.00 Ocean theme Bath decor $ 40.00 Joan Blackwood limited edition doll $ 50.00 Bird lamps $ 40.00 Misc. linens $ 20.00 Misc. in master suite $ 35.00 Lawn & garden equipment $ 10.00 Shop vac $ 20.00 Tool box & contents $ 20.00 Cabinet & contents $ 15.00 Shelf unit $ 10.00 4' aluminum ladder $ 15.00 Scrapbooking materials $ 25.00 Misc. in garage $ 15.00 Page 3 of 4 Estate of Constance Espenshade ITEM VALUE 2' aluminum ladder $ 10.00 Fossil watch - water resistant to 30 meters $ 45-00 Pink jewel. box w/ earrings $ 15.00 Cameo broach $ 25.00 Blue jewel box & contents $ 15.00 10K ring w/ smal opal $ 25.00 Jewel drawer & contents $ 15.00 TOTAL $ 7,,060.00 ROUNDED, $ 7,000.00 Page 4 of 4 Scope of Work The following comments expand the Scope of Work to include any additional research or analysis necessary, based on the complexity of this specific appraisal assignment. The scope of work explanations discussed here and within the body of the report further define, clarify and document what the appraiser did [or did not do] in order to develop the appraisal and report the value opinion, based on the complexity of this appraisal assignment and/or as a result of a supplementary Agreement or Engagement Letter* as accepted by the appraiser, Robert A. Ensminger and his client. *If no written specific and or supplemental Scope of Work was agreed upon with the client(prior to accepting the assignment, by formal engagement letter and included in this report) the Scope of Work outlined here and within the report, is considered to be representative of what typical users of appraisal services would require and in general, what appraisers would provide as reasonable, acceptable and sufficient for the stated intended user's needs. COMPLETE VISUAL INSPECTION: It should be noted that the Appraiser conducted a visual inspection of only the readily accessible areas of the assets, viewing only those components of the asset which were clearly visible. No tests we made of any mechanical, electrical or electronic systems as such tests are not within the Scope of Work. Comments on the condition of the asset are based on a casual observation only and which may have been limited by the placement of assets so as to preclude observation of the items blocked by same. Although the report may cite a general rating of the adequacy and or condition (based on observation only) it should be clearly understood that these statements are a general guide for comparison purposes(as part of the valuation process) and are not a detailed report on the physical and or operational condition of these items. The appraiser is not an expert in these matters and any opinion stated is advisory based only upon observation. While others may choose to rely on the report, they should not rely on it to disclose condition and stated defects. Such knowledge goes beyond the scope of this appraisal and as such, comments on observed conditions given in this report should not be taken as a guarantee that a problem does not exist. REPAIRS/DETERIORATION: An effort was made to report those repair items that, in the appraiser's opinion, will affect safety, adequacy, and marketability of the property. The Market Data or Sales Comparison Approach to value compares recent sales of similar assets to the subject asset being appraised. Adjustments may be made to the comparable sale for such items as condition, age, provenance, obsolescence and time of sale to arrive at an indication of the most probable selling price of the asset. The Market Data Approach is based on the premise that the asset is easily substituted in the market place for a similar asset of similar quality and price. The market is an established means of buying and selling assets through established channels including auctions, second hand dealers, public and private sales. Auctions are the preferred method of marketing when a liquidation value is being sought. Auctions are usually properly advertised and professionally managed and assets can be liquidated in a relatively short period of time. The orderly liquidation value as reported herein is not consistent with the definition of"insurable value" and should not be relied upon for insurance purposes. The Cost Approach measures value by determining the current cost of an asset and adding for appreciation or deducting for depreciation. Several types of depreciation can be associated with an asset including, but not limited to physical deterioration, functional, economic and technological obsolescence. Since depreciation is very subjective and sometimes difficult to prove, use of the cost approach and reliability on the same as a value indicator could be misleading. In most cases the Cost Approach is not deemed necessary to the development of a reliable value opinion, therefore the Cost Approach has been excluded and was not used in this report. Scope of Work (Concluded) The INCOME APPROACH is typically developed when the value is related to the economic return that an asset can produce. It is usually not applied to individual assets due to the difficult task of identifying individual income streams. The Income Approach is typically used with assets that produce rental income, especially large, movable construction equipment, and commercial transportation vehicles. The appraiser has determined the Income Approach was not appropriate and meaningful to the analysis and value opinion. For this reason, the Income Approach was not employed as a valuation tool. EXTENT OF DATA RESEARCH: Sales and listings of assets comparable to the assets being appraised have been researched, verified, analyzed, and reported. Sales data of assets geographically, physically, functionally and economically similar to the subject assets and that are sufficiently recent to reflect current buyer and seller actions were researched and considered. If necessary and applicable, the appraiser also researched data on comparable income and expense information and replacement costs. Depending upon the availability and reliability of various data sources, the appraiser used any combination of reasonably available information from owner's comments; buyer's descriptions; manufacturer's and dealer's web sites; brochures; Internet auction sites such as eBay or Auction Arms; informational web sites such as Kelley Blue Book, NADA, Edmunds, Machinery Trader, Art Facts, Prices for Antiques and the like; posted auction prices of other auctioneers; the appraiser's own experiences selling similar type assets at public auction and the appraiser's personal library. When and where possible, the applicable information was verified with sources deemed to be reliable and from a disinterested party or corroborated with a 3rd party source. In some cases, the motivations of the parties and other factors (terms, arms-length transactions, etc.) may not have been available and the data was used at"face value as factually accurate." DISCLOSURE/DISTRIBUTION: Regardless of who paid for this appraisal report, the intended user is only the client stated within the report. The appraisal and report may be inappropriate for use by parties other than the intended user and could place them at risk. Despite the means of possession of the report, this appraisal should not be used or relied on by anyone other than the stated intended users and for the stated/intended purpose. The Intended User of this appraisal report is the Client. The Intended Use is to evaluate the assets that are the subject of this appraisal for reasons stated elsewhere in this report, subject to the stated Scope of Work, purpose of the appraisal, the developmental and reporting requirements of the Uniform Standards of Professional Appraisal Practice (USPAP,), and the Definition of Value. The nature of the assignment may infer Additional Users of this report. Examples would where this appraisal is to be used for(a.) legal purposes whereby the client's attorney and authorized court personnel become users of this report on behalf of the client; and (b.) estate purposes whereby the client's attorney and authorized taxing authorities become users of this report. This report is copyrighted by Robert A. Ensminger, ©2010, and may be registered in the U.S. Copyright Office. Any reproduction, electronic or otherwise, of analyses, drawings, photographs, contents, representations or opinions of value made in this report for purposes other than those stated in this report, is not permitted. THE VALUE OPINION: The value opinion stated in the report is based on my analysis as of the effective date shown in the report. The value opinion considers the productivity, economic and physical conditions of the assets only as of the effective date of this appraisal. As market conditions are constantly changing, this value opinion may not be valid in another time period. Statement of Assumptions and Limiting Conditions 1. In preparation of this appraisal report, no investigation was made as to the actual ownership of personal property herein appraised. Unless otherwise stated, the personal property has been valued in fee simple, unencumbered by liens and fractional interests. 2. All opinions as to values stated are those of the appraiser and are based upon the facts and data made available to me. The appraiser assumes no liability or responsibility for changes in the market place or in technology, which may in some way, alter or change the stated values. 3. No responsibility is assumed for information furnished by others and the appraiser assumes no responsibility for matters of a legal nature. 4. This appraisal was made for the purpose stated and is not to be used for any other purpose. 5. Possession of this appraisal report, or a copy thereof, does not carry with it the right of publication. It may not be used for any purpose by any person other than the party to whom it is addressed and the stated users without the express written consent of the appraiser. 6. The appraiser, by reason of this appraisal, shall not be required to give testimony as an expert witness in any legal hearing or before any court of law unless advance arrangements have been made with the appraiser at an additional fee. 7. Leasehold improvements have not been taken into consideration unless specifically noted in the appraisal report. 8. The appraiser has used his best professional judgment to accurately value the subject according to the specified definitions, and the values reported in the appraisal documents represent the opinion of the appraiser as of the effective date of the appraisal. Such values are subject to significant alteration and will be affected by time, changes in condition, obsolescence, changes in the market place or in the economy and many other factors beyond the control of the appraiser. Reliance upon stated values for any purpose, beyond the effective date of this appraisal is inadvisable. 9. Authenticity of paintings and art work and provenance of antiques and decorative arts is assumed, but not guaranteed. Paintings and art work under glass were not examined out of frames and are assumed to be as identified and in good condition unless otherwise stated. Statement of Assumptions & Limiting Conditions (Concluded) 10. Services containing multiple pieces may or may not have been completely examined, and are assumed to be complete and in good condition, unless otherwise stated. An individual piece is assumed to be representative as to condition. If values are given per set or per lot, the value is for the set or the lot, and no opinion is given as to an individual value, or to proportionate values. 11. Porcelains, pottery, ceramics, and other fragile items have not been examined to museum standards or methods, for repairs or hidden damage, and are therefore subject to further examination. 12. Colored stones and diamonds may be enhanced by using one or more techniques including, but not limited to, clarity enhancement, resins, and heat treatment. In many cases, it is impossible to tell whether a natural stone has been enhanced without a detailed report from a qualified laboratory. The value determination in this report assumes that no major enhancement has taken place unless so stated. 13. Ivory, jade, bronze, gold, sterling silver, and similar materials have not been tested by laboratory standards, or methods for purity and authenticity, and are subject to further examination. 14. Coins and paper currency were not examined for authenticity or counterfeits and were not removed from books, flips, slabs, rolls or other packaging. In most cases the package markings are assumed to contain the listed contents. 15. Machinery, equipment and vehicles were not operated and are assumed to be in working condition unless noted. 16. Electronics and computers were not tested and are assumed to be in working order unless noted. 17. Firearms were not examined internally and were not fired. Various component parts were not checked for matching serial numbers. All firearms are assumed to be in working order unless noted. 18. Measurements and weights are approximate. Wood identity is not guaranteed without further research. 19. It should be noted, that any additions or deletions to the total assets could change the psychological and or monetary appeal necessary to obtain the values indicated within this report. Certifications I certify that, to the best of my knowledge and belief: • The statements of fact contained in this report are true and correct. • The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. • I have no present or prospective interest in the property that is the subject of this report and no personal interest with respect to the parties involved. It is noted, however that the appraiser is also an auctioneer that regularly conducts liquidation services for clients. At the present time there are no contracts for future services. • I have no bias with respect to the property that is the subject of this report or to the parties involved with this assignment. • My engagement in this assignment was not contingent upon developing or reporting predetermined results. • My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. • My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice. • I have made a personal inspection of the property that is the subject of this report. • No one has provided significant personal property appraisal assistance to the person signing this certification. • I have not performed any business services, as an appraiser or in any other capacity, for the party whose assets are being valued within the past three years. Robert A. Ensminger January 28, 2014 Connie M Espenshade Retirement Account Summary THE RITE AIC}401.{K}PIAN July 1, 2013 to September 30, 2013 c/o T.Rowe Price,PO Box 17349 Contact Us--rps.troweprice.com or Mobile--www.troweprice.mobi Baltimore MO 21297-1349 1-800-922-9945(M-F 7 a.m.-10 p.m.Eastern Time) 84.00004069-A-11 Connie M Espenshade 1504 4224 Nantucket Dr 1I Mechanicsburg PA 17050 9105 ACCOUNT 1 1 GLANCE ASSET ALLOCATION Beginning Balance $26,082.38 100.0% Retirement Funds + Your Contributions $224.24 - Fees $0.00 + Gain/Loss $1,063.16 Ending Balance $27,369.78 Vested Balance $27,369.78 If you've retired or changed jobs,you have some important decisions to make about your retirement savings. T. Rowe Price can help. To talk Asset Allocation shows how the money you've previously invested is through your options and help.determine what makes the most sense distributed over different investment categories. for you,call 1-888-445-4226. Or visit the Web.site at hfp://rps.troweprice.com/distributions. ACCOUNT PERFORMANCE• } • y y ! $28,000 Data necessary to generate an Estimated Monthly income at Retirement for this account is not currently available. This estimate will $22,400 be available after 12 months of activity on your account.- if you d like to create an estimate forYwirs#lf nog lag on to rps.tr64,bprice.com to use the myRetirementincome calculator.. $11,200 — —r -- _�,_y_ - ------ $5,600 J .r--� ...................... ......... ........... ............W--.........W............0 r►/ < < $o _ 09/30/07 09/30/09 09/30/11 09/30/13 Ending Balance __y__. Employee+Employer Contributions ---*--- Employee Contributions ......*...... Conversion In Retire with confidence° TROWeftice RbL INVEST WITH CONFIDENCE 105483-010941-131007 Page 1 of 5 Dnnie M Espenshade Retirement Account Summary July 1,2013 to September 30,2013 P"OUT YOURI In't put off naming or updating your beneficiary always been important to name a beneficiary. By selecting someone as a beneficiary,you're ensuring that your assets will be distributed as you end in the event of your death. To make sure our records reflect your current wishes,visit the beneficiary information section on rps.troweprice.com. call your plan's toll-free phone number for more information on how to name your beneficiary. INFORMATION Name Relationship Percentage mary Beneficiary Christy L Espenshade Non-spouse 75.0% mary Beneficiary Porsha V Pinder Non-spouse 25.0% JESTMENT ACTIVITY 12 e e an lowe Price Retirement 2010 Fund $26,082.38 $224.24 $1,063.16 $27,369.78 tney In/Money Out is the net total of all contributions,payments, other credits, withdrawals, other debits,and transfers made to and from your estment(s). fIREMENT PLAN 1 EXPENSES ne of the plan's administrative expenses for the preceding quarter were paid directly from the total annual operating expenses of one or more of the .stment options offered under your plan(for example, through revenue sharing arrangements,Rule 12b-1 fees,sub-transfer agent fees). 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'v?.:v:. ?;�t•+: >ia•:i G':C;:} •:;t n,•1.vn••N•,ir•..: h:::.v1•:xnv:nvrn•nv.,•.n,.... .j:.r.•.-...nr .✓X•.,.n.,v.......................�..:,:�:vvw .v,..:,r.i.n, :.:..... :{r• :..:... .. .:..... .:.......:n•:,:u. :n::v::•Y:,rv.�4:i:✓:•:::?::n;v::::•:4:✓✓.+l.r:?.•:?};.... •.::.J... .w:::..: Your Account Return 4.06% 7.29% 8.74% 8.27% 6.12% 09/30/2004 N/A N/A tCG+•X''Wi:,:O}?:4:•}✓:.•. .,:•;i,?}?: '.?5i•?:;r l;:.v•:•,::.::::r.v:: ?.??Y: ,; v•v nv^...:•. •r .:nY: •:?:.??�'✓}:S%, :•;'•r.•....,%..•:+:'•?:W:rr iX✓.•:;•:WN?'i iC•:?;:•??:v':+}}' l.. .:.:...... .......,.. nr ,..:.✓,...........r..: .....!.•.v•fr.. ..,' ?,......:,....,:;•:;';:W;•:.:.:::...:.:;.,: :%%:o':. ✓:+5%'i iv:::.v.•r.•i r;.✓.w::::n:v.:, T.Rowe Price Retirement Income 3.31% 5.56% 6.77% 7.34% 6:09% 09/30/2002 0.57% 05/31/12 S&P Target Date Retirement Index ,. 2.48% , 3.84% 4.85% 5.84% 5.13% - - - Combined Index Portfolio Income 3.37% 5.80% 6.83% 6.01% 5.40% - -T. Rowe Price Retirement 2005 Fund 3.55% 5.85% 7.22% 7.88% 5.93% 02/27/2004 0.59% 05/31/12 S&P Target Date Retirement Index 2.48% 3.84% 4.85% 5.84% 5.13% - - Combined Index Portfolio 2005 3.49% 6.23% 7.29% 6.73% - - - - 1 S&P Target Date 2010 Index 3.24% 5.97% 7.35% 6.59% 5.89% - - - Combined Index Portfolio 2010 3.97% 7.66% 8.85% 7.26% 6.57% - T.Rowe Price Retirement 2015 Fund 4.99% 9.47% 11.23% 8.98% 6.47% 02/27/2004 0.66% 05/31/12 S&P Target Date 2015 Index 3.84% 7.82% 9.55% 7.22% 6.39% - - - :ire with confidence® -RoweffiCe1 IL INVEST WITH CONFIDENCE Page 2 or 5 Conhie M Espenshade Retirement Account Summary July 1,2013 to September 30,2013 PERFORMANCE SEPTEMBER 30,2013(CONTINUED) Combined Index Portfolio 2015 4.66% 9.65%, 11.05% 790% - - - - T. Rowe Price Retirement 2020 Fund 5:84% 11.41% 13.38% 9.49% 7.86% 09/30/2002 0.70% 05/31/12 S&P Target Date 2020 Index 4.44% 9.55% - 11.0% 7.69% 676% - Combined Index Portfolio 2020 5.24% 11.33% 12.88% 8,32% 719% - - - T.Rowe Price Retirement 2025 Fund 6.60% 13.19% 15.45% 9.85% 6,87% 02/27/2004 0.73% 05/31/12 S&P Target Date 2025 Index 4,99% 11,10% 13,451 8.06% 7.10% - - - Combined Index Portfolio 2025 5.76% 12,91% 14.63% 8.70% - - - - T T.Rowe Price Retirement 2030 Fund 7.21% 14.75% 17.13% 10.19% 8.39% 09/30/2002 0.75% 05131/12 S&P Target Date 2030 Index 5.45% 12.50% 15.14% 8.26% 727% - - - Combined Index Portfolio 2030 6.24% 14,29% 16.14% 8.99% 7.73% - - - T.Rowe Price Retirement 2035 Fund 7.71% 15.92% 18.46% 10.40% 7.07% 02/27/2004 0.77% 05/31/12 S&P Target Date 2035 Index 5.88% 13.55% 16.40% 8.39% 738% - - '-----Cbinbitiedindex.Portfolio 2O35 6.59% 15.13% 17.30% -9.20% T.Rowe Price Retirement 2040 Fund 7.95% 16,61% 19.22% 10.55% 8.50% 09/30/2002 0.78% 05/31/12 S&P Target Date 2040 Index 6.19% 14.36% 1740% 8.55% 7.50% - - Combined Index Portfolio 2040 6.80% 15.91% 1794% 9.34% 7.83% - - - T.Rowe Price Retirement 2045 Fund 8.02% 16.60% 19.30% 10.55% 7.19% 05/31/2005 0.78% 05/31/12 S&P Target Date 2045 Index 6.45% 15,01% 18.21% 8.53% - - - - Combined Index Portfolio 2045 6.80% 15.91% 1794% 9.34% - - - - T.Rowe Price Retirement 2050 Fund 7,99% 16.60% 19.28% 10.55% 5.11% 12/29/2006 0.78% 05/31/12 S&P Target Date 2050 Index 6.74% 15.59% 18.93% 8.63% - - - - Combined Index Portfolio 2050 6.80% 15,91% 17.94% 9.34% - - - - T.Rowe Price Retirement 2055 Fund 8.00% 16.51% 19.16% 10.52% 5.09% 12/29/2006 0.78% 05/31/12 S&P Target Date 2055 Index 6.97% 16.08% 19.53% - - - - - Combined Index Portfolio 2055 6.80% 15.91% 17,94% 9.34% Dodge&Cox Balanced Fund# 5.19% 18.45% 21.31% 10.68% 7.32% 06/26/1931 0.53% 12/31/12 S&P 500 Index 5.24% 19.79% 19.34% 10.02% 757% - - - 60%S&P 500;40%LBT20 2.07% 6.70% 6.07% 9.50% 7.71% - - - International Equity Fund( 9.04% 9.10% 15.73% 5.21% 7.88% 09/30/1994 0.88% 12/31/12 MSC1,EAFE Index 11.61% 16.59% 24.29% 6.85% 8.50% - - - Large Cap Growth Fund[ 12.09% 24.20% 22.90% 12.99% 7.17% 09/30/1994 0.76% 12/31/12 Russell 1000 Growth Index 8.11% 20.87% 19.27% 12.07% 7.82% - - - Large Cap Value Fund( 4.53% 19.80% 21.77% 8.11% 6.96% 09/30/1994 0.77% 12/31/12 Russell 1000 Value Index 3.94% 20,47% 22.30% 8.86% 7.99% - - - Mid Cap Fund{ 8.63% 24.07% 27.38% 12.19% 9.82% 09/30/1994 0.81% 12/31/12 "Russellilidsa -.---770% "--,24,34%. WW%- 'Ir2:97%1', 10.78'%: p,n ex. Small Cap Fundi( 11.21% 32.41% 34.27% 13.58% 11.84% 12/31/1995 1.14% 12/31/12 Russell 2000 Index 10.21% 27.69% 30.06% 11.15% 9.64% - - - T.Rowe Price Ext Equity Mkt Index 10.35% 27.68% 31.93% 13.39% 10.84% 01/30/1998 0.44% 12/31/12 Redemption fee-0.5%on shares held for 90 days or less. S&P Completion Index 10.15% 2738% 31.34% 13.31% - - - T.Rowe Price Intl Equity Index- 11.44% 14.05% 22.65% 6.13% 7.95% 11/30/2000 0.50% 10/31/12 Redemption fee-2.0%on shares held for 90 days or less. , FTSE Developed ex North America Index 11.70% 15.56% 23.30% 713% 8.78% - - - Vanguard Inst Ind"Fund 5.24% 19.79% 19.34% 10.066/6 7.60% 07/07/1997 0.02% 12/31/12 S&P 500 Index 5.24% 19.79% 19.34% 10.02% 757% - - Vanguard Small Cap Inclexi 9.19% 26.62% 30.18% 1329% 10.99% 07/07/1997 0.08% 12/31/12 CRSP US Small Cap Index 9.18% 27.23% 31.30% - - - Russell 2000 Index 10.21% 2769% 30.06% 11.15% 9.64%. A ffllfflffllar�3., �n '.F,�fia',k*• PIMCO Total Return,Insti. 1.17% -1.88% -.74% 7.97% 6.12% 05/11/19871 0.46% 03/31/13 Retire with confidence® - TRowefficx- INVEST WITH CONFIDENCE 105483-010941-131007 Page 3 of 5 � �� --- Dec�n�ber31' 2D13 po�e1vf5 Year-End Statement ��������UN ��v�np-.^"����: ~ FUNDSw poBox 2zuV Primary account number: 83689225 Norfolk VA 23501'2280 From Capital Group AT0226878018124H954A.^3DGT |Yo |^^11|11 Best Wishes for the New Year TNps��memshows yvu,cvm��eaccount PAJTOD activity for Znls.Werecommend you keep itfor your tax records.See our online Tax Center for tax 1351O8UGLENOTEWAY information,including forms,worksheets,cost SPOT5YLVAN{4V4 22553-4135 basis information,how u`make IRA contributions, and more.Visit wsa^ao"ericanfund,.q*m/taxs' Portfolio value of all ac counts $0.0a 1 Portfolio allodMion _-----___-_'-_- _-_--_��� '_- _-_- -_--���������� __-_- ment on Beginning value $14,239.11 $30,596,59 + Additions $000 $0.00 Withdrawals -$40,600.23 -S40,600.23 0 Growth � Setup/Annual ".~~",="~`=.~ _..~ Investment gain/clecline S26,47112 $10,013.64 0.00% � Ending value as of 12131/2013 $0.00 $0.00 � � ����� ��n�� / ^�, vsed, mvre � information is available at americanfunds.com/statement. ovemfions about your statement? For description of what's d = �- �- � _ � = � � ! = to americanfunds.corWstatement, Portfolio rate of re�turn How tocontact us --- Through your financial advisor Annualized since initial investment on 1/112003* '"^"° Eric Huck '----.-----------'�---'-�-----'-----'-----'-----'-----' - n1/>766-4ss1 Year-to-date since ^----------'----------------------- -----------------------------'------� CsrcxA ADVISOR NETWORKS LLC 5xACzYcrSTE 101 wsc*xw/csauno,A `russ-9zzo ' ame,/canm^as.cpnw Value of portfolio --- Net investment* FunduUne@aw-hn",automated service (800)325-3590 Shareholder Services Representative (m0)*z1'422s(w-Fopp,.mmp.*.Eastern time) Mail American Funds ------------------------------------------------------- pno"xonn Norfolk v^xa5o1-2aoo Overnight courier American Funds sonnRobin Hood Road `° Norfolk vAzono-243o ''''- '~`''- ~`'- --'- 12131109 -3'11 -''-S14,239 $18,637 S22,767 S2%8116 S24,042 S25,763 so Questions about your statement americaommdszom/statenent Net investment is the total amount you invested minus the total amount you withdrew I (including any dividends and capital gains paid to you in cash). 26omn`m 1 l'Apl'OxxVYxoo 'Joxmn Year-End Statement AMERICAN December 31, 2013 Page 2 of FUNDS® Primary account number: 63689225 From Capital Group ance so-00 , Your portfo,46 at a YTD Annualized Initial Change in return return investment Value on value for since since initial Retirement Fund date 12/31/13 the quarter 1/1/13 investment CUTCUST ROTH IRA The Growth Fund of America-A 1/1/03" $0.00 -$6,790.87 NIA** N/A** CONSTANCE M ESPENSHADEIDECT Account#64551337 Non-retirement CONSTANCE M ESPENSHADEIDEC'D The Investment Company ofAmerica-A 1/1/03* $0.00 -$16,659.02 N/A** N/A** PAITOD The New Economy Fund-A 1/1/03* $0.00 -$6,085.20 N/A** N/A** Account#63689225 New Perspective Fund-A 1/1/03" $0.00 47,480.61 N/A"* N/A** $0.00 -$30,224.83 N/A** NIA** Total portfolio $0.00 -$37,015.70 33.10% 10.05% Historical transaction information:To view historical purchases,withdrawals,exchanges,dividends and capital gains since your initial investment date shown above,log in to your account at americanfunds.com and click on'View transactions"for more details. *For accounts opened prior to 2003,an initial investment date of January 1,2003,is used. **Rate of return is not provided for funds with a zero balance. Fund results fronn'.a long-term perspective We believe investing should have a long-term focus and that one year is not long-term.Therefore,results should be measured over meaningful periods of time.Below,you will find the funds'average annual total returns for periods ended 12/31/13,reflecting the deduction of the maximum sales charge. Fund inception date Fund lifetime 10 years 5 years 1 year Expense ratio The Growth Fund of America-A 12/1/73 13.67% 7.67% 16.90% 26.08% 0.70% The Investment Company of America-A 1/1/34 12.17 6.51 14.85 24.81 0.62 The New Economy Fund-A 12/1/83 11.40 9.32 21.08 35.13 0.87 New Perspective Fund-A 3/13/73 12.48 8.55 15.62 19.47 0.79 Fund results above are preliminary and may be subject to change.Figures shown are past results for the funds and are not predictive of results in future periods nor do they reflect your personal rate of return.Current and future results may be lower or higher than those shown.Share prices and returns will vary,so investors may lose money.Investing for short periods makes losses more likely.Fund results for Class A shares of the American Funds reflect deduction of the funds'maximum sales charge{5.75%for equity funds and target date funds;3.75%for most bond funds;2.50%for intermediate and short-term bond funds}. There is no sales charge for American Funds Money Market Fund Class A shares.Results for other share classes are at net asset value.If a sales charge had been deducted,results would have been lower.Investment results assume all distributions are reinvested and reflect applicable fees and expenses.For current information,including month-end results,results that reflect the impact of sales charges and results for Class A shares at net asset value,please visit americanfunds.com.Expense ratios are as of each fund's most recent prospectus.Expense ratios reflect any applicable fee waivers or expense reimbursements. Please see the fund's most recent shareholder report or prospectus for details.Investment results reflect the waivers and/or reimbursements,without which they would have been lower. Summary:of Roth IRA contributions.(for accounts with CB&T aS CUStodiioj!) 2013 tax year Account owner Contribution type Contributions Rollover CONSTANCE ESPENSHADE Roth IRA $0.00 $0.00 er 4i Maximize your IRA contributions.You may be eligible to invest up to$5,500($6,500 if you are age 50 or older),per shareholder,in a traditional or Roth �- IRA account for tax year 2013 by April 15,2014,if you had taxable compensation. You must be under age 70 1/2 during the entire calendar year for which traditional IRA contributions are made. For more information,visit americanfunds.com/retirement. ° DST 00100466W dol- Year-End Statement AMERICAN December 31, 2013 Page 3 of 5 FUNDS® Primary account number: 63689225 From Capital Group A i detail •for cco Int#64551337 ctiv ty, a u 'Account value., $0.00 ' "'u-n,-t---registration: -"o--- '***', . .. ..... . ...... CB&T CUST ROTH IRA CONSTANCE M ESPENSHADE/DEC'D 0.00%of the account's assets are in this fund Year to-date:Dividends 522.20 Short-term capital gains _501.010 Long-term capital gain's $443.59 Year-to-date transaction history Trade date Description Dollar amount Share price Shares transacted Share balance 01/01/13 Beginning balance $5,552.64 $34.35 161.649 12/13/13 2014 Annual Fee -$10.00 $44.04 -0.227 161.422 12/18/13 Income Dividend 0.1375 $22.20 $41.96 0.529 161.951 12/18/13 Capital Gain 2.748 $443.59 $41.96 10.572 172.523 12/30113 Transfer To********939 Chircsp, 9se4tighodJ15,539.27 $42.81 -129.392 43.131 12/30/13 Transfer To********921 por5 ke 10(nd er. -$1,846.44 $42.81 0D00 12/31/13 Ending balance $0.00 $43.00 0=0 Activity detail for account #63689225 Aitwunt value: $0 00 Account registration: '-'-- '- ---------- CONSTANCE M ESPENSHADE/DEC'D PAITOD 0.00%of the account's assets are in this fund Cost basis:Noncovered shares(prior to 2012) Cost basis:Covered shares(2012 and later) Not available Not applicable Year-to-date:Dividends $292.16 Short-term capital gains $0.00 Long-term capital gains $1,169.95 Year-to-date transaction history Trade date Description Dollar amount Share price Shares transacted Share balance 01/01/13 Beginning balance $13,890.58 $30.16 460.563 03/13/13 Income Dividend 0.13 $59.87 $32.35 1.851 462.414 06/13/13 Income Dividend 0.14 $64.74 $34.29 1.888 464.302 09/13/13 Income Dividend 0.14 $65.00 $35.82 1.815 466.117 12/23/13 Special Dividend 0.08 $37.29 $3625 1.029 467.146 12/23/13 Income Dividend 0.14 $65.26 $36-25 1.800 468.946 12/23/13 Capital Gain 2.51 $1 16995 $3625 32.274 501.220 12/30/13 TransferTo L$-,13,754*73 $36.59 -375.915 125.305 12/30/13 Transfer T,"******121 pafghil, PAolr -$4,S84.91 $36-59 -125.305 0.000 12/31/13 Ending balance $0.00 $36.70 0.000 Special dividend and capital gain.The fund's December payment included a one-time special dividend of$0.080 per share and a long-term capital gain distribution of$2.510 per share. 6.00%of the account's assets are in this'fund' Cost basis-- ............-.......... ........................ .Noncovered shares(prior to 2012) Cost basis:Covered shares(2012 and later) Not available Not applicable Year-to-date:Dividends $22.72 Short-term capital gains $21.72 Long-term capital gains $377.61 Year-to-date transaction history Trade date Description Dollar amount Share price Shares transacted Share balance 01101/13 Beginning balance $4,750.20 $28.43 167.084 12/26/13 Capital Gain 2.26 $377.61 $38.07 9.919 177.003 12/26/13 Income Dividend 0.136 $22.72 $38.07 0.597 177.600 12/26/13 Short Term Gain 0.13 $21.72 $38.07 0.571 178.171 12/30/13 Transfer To*...104 -$5,085.88 $38.06 -133.628 44.543 2687802/3 C:FaAE5pjjSh&Lt 11 Year-End Statement AMERICAN December 31, 2013 Page 4 of 5 FUNDS® Primary account number: 63689225 From Capital Group fo, 0 1 00 aC t463689226 (,qont fIV:e 't Un U-n Ac .0 t va u e:.. r c ----------------- --------------- -- --------------------------------------------- Account registration: CONSTANCE M ESPENSHADE/DEC'D PA/TOD Year-to-date transaction history Trade date Description Dollar amount Share price Shares transacted Share balance 12/30/13 Transfer To********l 21Povsha Pm&r -$1,695.31 $38.06 -44.543 0.000 12/31/13 Ending balance $0.00 $38.22 0.000 Capital gain.The fund's December payment included a short-and/or long-term capital gain distribution of$2.390 per share. L#.t}o°la of the account's assets are in this fund Cost basis:Noncovered shares{prfar to ZOY 2) Cost bans Covered shares{2t1�2 i,late i) Year-to date:Dwidends 564. 6 - Short-term capital gains $0.00." :Long-term capital gains 8358.87 ' Year-to-date transaction history Trade data Description Dollar amount Share price Shares transacted Share balance 01/01/13 Beginning balance $6,403.17 $31.26 204.836 12/26/13 Foreign Tax Paid $7.91 204,836 12/26/13 Capital Gain 1.752 $358.87 $37.25 9.634 214.470 12/26/13 Income Dividend 0.30 $61.45 $37.25 1.650 216.120 12/30/13 Transfer To********l;Pv"&p ,,Sae--$6,070.27 $37.45 -162.090 54.030 12/30/13 Transfer To********121 $2,023.42 $37.45 -54.030 0.000 12/31/13 Ending balance $0.00 $37.56 0.000 660t �.6uuiaccou:nts, Beneficiary information Account 4 Primary Contingent CB&T CLIST ROTH IRA 64551337 CHRISTY LEIGH ESPENSHADE 75% Not Provided CONSTANCE M ESPENSHADE/DEC'D PORSHA PiNDER 25% CONSTANCE M ESPENSHADE/DEC'D 63689225 CHRISTY LEIGH FSPENSHADE 75% Not provided PA/TOD PORSHA PINDER 25% To update and read important legal information about your beneficiary designations,please go to americanfunds.com/benefieiary. Information about your investments Your responsibilities.Please review this statement carefully to confirm that we have accurately acted on your instructions.If you identify any discrepancies,please immediately notify your financial advisor or call us at(800)421-4225.If you delay in reporting an error,we may be unable to adjust your account. Estate planning information.If you are an executor or administrator of a recently deceased IRA owner's estate,we can provide a statement showing the value of the account as of the IRA owner's date of death.Please contact Shareholder Services at(800)421-4225 for additional details on how to order this statement.We will provide the information within 90 days of the request. IRS reporting.CB&T is required to provide the value of your IRA(s)to the Internal Revenue Service. U f)qT nni nndrAw Year-End Statement AMERICAN December 31, 2013 Page 5 of 5 FUNDSO Primary account number: 63689225 From Capital Group Personal rate of return.American Funds uses the Modified Dietz method to calculate the rates of return for your fund holdings,accounts and portfolio. This time-weighted calculation does not treat withdrawals as losses or investment amounts as gains.The formula factors in the amounts and daily prices of your account activity;the returns,fees and expenses of your specific funds;and applicable sales charges.Calculations may include closed and previously owned funds.Portfolio rate of return is the combined return for all of the accounts on this statement.Returns for investments made before 2003 are calculated with an initial investment date of January 1,2003,and the investment value as of that date.Returns for periods less than a year are cumulative total returns and not annualized.Your personal returns may differ from fund results shown on this statement and online.You can view your fund and account personal rates of return,updated after each business day,by logging in to your account at americanfunds.corn.For more information, please visit americanfunds.com/statement or call Shareholder Services at(800)421-4225. Cost basis.Effective January 1,2012,the IRS requires American Funds to report cost basis information to both investors and the IRS on the sale or exchange of mutual fund shares acquired on or after January 1,2012,called"covered"shares.The IRS requirements apply only to taxable accounts. Tax-favored accounts,including 529 and retirement accounts,are not included in the requirements. American Funds uses Average Cost as the default cost basis method for covered shares unless you have selected another method for your account.For more information on cost basis,including other methods supported by American Funds and ways to select a cost basis method other than Average Cost, please go to our Tax Center at americanf"nds.com or consult your financial advisor or tax professional. Important withholding information for retirement plans. Eligible rollover distributions from plans other than IRAs are subject to mandatory 20% federal income tax withholding.Certain other withdrawals are subject to 10%.federal income tax withholding(and,depending an where you live,state tax withholding)unless you choose not to have tax withheld. You may need to pay estimated taxes if you do not have enough withheld.Insufficient withholding or underpayment of estimated taxes may result in IRS penalties.For periodic withdrawals,your choice will be in force until you change it. Please complete the appropriate section of the distribution form or call us if you do not want to have tax withheld from withdrawals. Stay connected. For the latest fund information,commentaries and updates,follow us on Facebook(facebook.com/americanfunds)or YouTube (youtube.com/americanfunds). r_- Tube 2687PO 3/3 AuER CREMATION SERVICES OF PENNSYLIANIA, INC. 4100 Jonestown Road,Harrisburg,PA 17109 1-800-720-8221 Fax 1-717-541-9943 Shawn E. Carper--Supervisor Charges are only for items that you selected or that are required. If we are required by law or by a cemetery or crematory to use any items you have not selected,we will explain the reasons in writing below. If you have selected services that may require embalming,you may have to pay for embalming. You do not have to pay for embalming that you did not approve. Embalming is not required for direct cremation or immediate burial. Embalming is not required bylaw,except in certain special cases. If you are charged for embalming,we will explain why below, STATEMENTOF GOODS AND SERVICES SELECTED 131011 Deceased: Constance M. Espenshade DateofDeath Sep 26 , 201 Date of Arrangements Sep 28, 2013 X03 Kevin court Charge to: Ms , Christy Espenshade Carnp Hi 1 l , PA 17011 { 717 3 732-8020 Name Address City State Zip Code Phone Number A. SPECIAL SERVICES: D., AUTOMOTIVE EQUIPMENT: Direct Cremation...............:...............$1 , 695 .00 Removal Venicle.........:...........................Included Nationwide Guarantee Program................ - Lead Car and/or/Clergy Car........................ Worldwide Travel Protection..........:........ Family Car(Sedan or Limo)............. TOTAL SPECIAL CHARGES.....................$1 ,695 .00 Service Vehicle................................... TOTAL OF AUTOMOTIVE EQUIPMENT........ B. PROFESSIONAL SERVICES: E. CASH ADVANCE ITEMS: Services of Funeral Director and Staff.........Included Grave Opening.................................... .. Dressing and/or Cosmetizing................... Cemetery Equipment............................... Facilities and Staff for Memorial Service...... Newspaper ....... Crematory Charge...............................Inc luded Newspaper Staff and,Equipment for Memorial Service.. Newspaper ... PrivateID Viewing............................... Clergy................................................... Witnessing the Cremation........................ Church/Sexton/Organist/SoIoist.................. Packaging and Forwarding Cremated Flowers....................:..............:............. Remains by Registered Mail................... County Coroner Fee.............................4.._i S30. 00 Personal Delivery of Cremated Remains..... Certified Copies of the Death Certificate....... $150 .00 Scattering of Remains over Land or Sea...... TOTAL OF PROFESSIONAL SERVICES....... $0 .00 """ TOTAL OF CASH ADVANCES....................... $180. 00 C. MERCHANDISE: SUMMARY OF CHARGES: Register-Book...........................:......... A. Special Charges................ ,695 .00 Memorial Folders/Prayer Cards................. Thank You Cards........... .................... B. Professional Services........................... $0-00 Rememberance Package.............:.......... C. Merchandise...................................... $0.00 Urn(s)...........,C9rdbt5'&rd"C6ntal;�tlf-Udied D. Automotive Equipment............................ 50.00 (Description) E. Cash Advanced Items........................... S 180 .00 Urn Burial Vault Container...................... (Description) SUBTOTAL...................... ........................... 1 ,875 . 00 Veteran Flag Case......................:.......... CREDITS..................................................... &S-8s Grave Marker/Monument........................ TOTAL DUE.,..............................................o$1 ,875 . 00 PAID............ . ........................................... $0 .0 0 .......... BALANCE DUE...........................................$1 ,875 .00 Alternative Container TOTAL MERCHANDISE......... .................... th _Of4 Because our packages are sold at a reduced fee,no refund will be given for changes. If any legal,cemetery,or crematory requirement has required the purchase of any of the items listed above,we will explain the requirement below. I Embalming is not required because we have refrigeration I agree that.I.have examined the items of goods and services selected above and found.them to be correct.and according to the arrangements I have requested. 1 acknowledge receipt.of a copy of this Statement of Goods and Services Selected. I represent that I have sufficient funds available for payment of the cash pricebi-the goods and services selected. I also agree to.make payment of$ rU l I within _days. I agree to be jointly and severally liable with anyone else wlio signs'. below. A late charge of I t /mer month amounting to I g per year will be applied to the unpaid balance beginning 4 _days from the daft of this agreement. I will also pay to t e uneral Director all reasonable costs paid by the FuneratDirector to collect amounts I owe under this agreement. Those costs may include attorneys'fees,court costs and other costs. Any additional services or merchandise ordered or requested atter the date of this agreement will be considered part of this agreement and the cost thereof will be reflected on the final bill o statemer#t (seal) ' "— — (Purchaser) (Date) (Seal) Constance Espenshade Estate Expenses for Christopher Espenshade Miles MPG Fuel Rate Reason Start End To hotel-got in late-212 miles no 0 0 $0.00 $0.00 reimbursable Hanisbur ,PA Return to home 203 miles-not 9/26!2013 S ots Ivania,VA 0 0 $0.00 $0.00 reimbursable 9/30/2013 Mechanicsbur ,PA S ats Ivania,VA 202 12 $3,89 $65.48 To Connie's house Mechanicsbur ,PA 12 12 $3.89 $3.89 To hotel 10/12/2013 Sots Ivania,VA 12 $3 89 $3.89 To Connie's house Mechanicsbur ,PA Hanisbur ,ur 12 $2 92 Meet with attarne 10!13!2013 Hanisbur ,FA Mechanicsbur ,PA 9 12 $3.89 g 12 $3 89 $2.92 To Connie's house Mechanicsbur ,PA Hanisbur ,ur $1 30 Meet with attorney Harrisbur ,PA Mechanicsbur ,PA 4 12 $3.89 10/14/2013 Mechanicsbur ,PA Cam Hill,PA Submit paperwork to Cumberland 19 12 $3.89 $6.16 Count Cour___._------- Camn Hill,PA Carlisle,FA i7 12 $3.89 $5.51 Ta Connie's house Carlisle,PA Mechanicsbur ,FA 203 12 $3.83 $64. To Connie's house 12 $3 83 $4 7 12 $3.89 $65.81 Return to home 202 47 Mechanicsbur ,PA Sots Ivania,VA 9 pick u bond for courts 11/9/2013 S ats Ivania,VA Mechanicsbur ,PA IS 11/11/2013 Mechanicsbur ,PA Carlisle,PA 12 $3 83 $4.15 Delivery bond to attorney. Cam Hill,PA 13 12 $3.83 $1.28 To Connie's house Carlisle,PA q Cam Hill,PA Mechanicsbur ,PA 202 12 $3.83 $64.47 Return to home 202 12 $3.89 $65.48 To Connie's house Mechanicsbur ,PA S ats Ivania,VA $b5 81 Return Home 1/1512014 S ots Ivania,VA Mechanicsbur ,PA 203 12 $3.89 202 12 $4 l3 $69,52 To Connie's house 1/20/2014 Mechanicsbur ,PA Nlechan Mechs Ivania,anicsbur,,PA 12 $4.13 $69.87 Return Home 2/21/2014 S ats lvania,VA 203 $68.&5 To Connie's house 2/23/2014 Mechanicsbur ,PA S ots Ivania,VA 202 12 $4.09 311/2014 S ots Ivania,VA Mechanicsbur ,PA 203 12 $4.09 $69.19 Return Home 203 12 $4 12 $69,35 To Connie's house 3/2/2014 Mechanicsbur ,PA Mechats mcsbury PA $4 12 $69.70 Return Home 3/21/2014 S ots Ivania,VA 203 12 ots Ivania,VA 202 12 $4.08 $68.68 To Connie's house 3/23/2014 Mechanicsbur ,PA Mechan Mechanicsbur PA $4 Og $69.02 Return Hama 414/2014 Sots Ivania,VA 203 12 202 12 $3 97 $66.83 To FA to close on house 4/6/2014 Mechanicsbur ,PA Sots Ivania,VA $3 97 $67.16 Return Nome 8/9/2014 S ots Ivania,VA Hanisbur ,aA 243 12 8!11/2014 Mechanicsbur ,PA Sots lvania,VA 1 of 6 9/29/2014 Constance Espenshade Estate Expenses for Christopher Espenshade Totals I 3353 $1,116.48 Average fuel rates(Central Atlantic)retreived from http://www.eia.gov/petroleum/gasdiesel/xls/psw18vwaii.xls Vehicle used is a 2005 Chevy Silverado 2500 HD Diesel,getting 12 MPG highway. 2of6 9/29/2014 Constance Espenshade Estate Expenses for Christopher Espenshade Date Vendor Location Total Receipt? Reason 09/26/13 JLa Qunta Inn Harrisburg,PA $0.00 Y Hotel stay-79.92-not reimbursable 09/27/13 La Qunta Inn Harrisburg,PA $0.00 Y Hotel stay-87.69-not reimbursable 09/28/13 La Qunta Inn Harrisburg,PA $0.00 Y Hotel stay-87.69-not reimbursable 09/29/13 La Qunta Inn Harrisburg,PA $0.00 Y Hotel stay-76.59-not reimbursable 10/12/13 La Ounta Inn Harrisburg,PA $0.00 Y Hotel stay-76.59-not reimbursable 10/13/13 Staples Mechanicsburg,PA $7.42 JY Photocopies of legal docs for heirs 10/13/13 Rutters Hummelstown,PA $15.01 Y Fuel for Connie's Chevy Tracker 11/11/13 Deibler Insurance Carlisle,PA $100.00 Y Fee for Court required bond 11/18/13 USPS Sots ]vania,VA $1.38 N 3 stamps for letters to credit bureau-from personal inventory 12/10/13 USPS Sots ]vania,VA $1.38 N 3 stamps for bills-from personal inventory 12/24/13 USPS Sots ]vania,VA $0.46 N 1 stamp for bill-from personal inventory 01/09/14 USPS Sots lvania,VA $0.46 N 1 stamp for bill-from personal inventory 01/11/14 USPS Sots lvania,VA $0.46 IN 1 stamp for bill-from personal inventory 01/16/14 Turkey Hill Enola,PA $37.00 Y Fuel for Tracker 01/16/14 Lowe's Mechanicsburg,PA $202.07 Y Packing supplies,keys,tape,glassware kits 01/17/14 Turkey Hill Enola,PA $13.00 Y Fuel for Tracker 01/25/14 USPS Sots ]vania,VA $1.38 N 3 stamps for bills-from personal inventory 02/15/14 USPS Sots lvania,VA $3.22 N 7 stamps for bills-from personal inventory 02/21/14 USPS Sots lvania,VA $5.60 N I Priority Mail Stam -from pers.inv.-for taxes 02/27/14 Lowe's Fredericksburg,VA $32.16 Y Trashba s and packing tape 03/18/14 USPS Falmouth,VA $3.79 Y Certified Letter to Porsha 03/22/14 Lowe's Mechanicsburg,PA $59.99 Y Boxes,tape,garbage bags 03/27/14 USPS Sots lvania,VA $0.46 IN I stampfor bill-from personal inventory 04/04/14 La Qunta Inn Harrisburg,PA $0.00 Hotel stay-76.59-not reimbursable 04/05/14 La Qunta Inn Harrisburg,PA $0.00 Hotel stay-76.59-not reimbursable 04/11/14 USPS Sots lvania,VA $3.68 8 stamps for bills-from personal inventory 04/11/14 USPS Sots lvania,VA $5.60 1 PriorityMail Stam -from pers.inv.-docs to attorney 04/24/14 USPS Sots ]vania,VA $1.86 4 stamps for bills-from personal inventory 05/01/14 USPS Sots ]vania,VA $0.46 N 1 stamp for bill-from personal inventory 05/09/14 USPS Sots lvania,VA $0.92 N 2 stamp for bill-from persbnal inventory 05/21/14 USPS Sots ]vania,VA $1.38 N 3 stamps for bills-from personal inventory 05/31/14 USPS Sots lvania,VA $0.46 N I stamp for bill-from personal inventory 06/18/14 USPS Sots lvania,VA $0.92 N 2 stamp for bill-from personal inventory 07/10/14 USPS Sots ]vania,VA 1 $1.86 IN 4 stamps for bills-from personal inventory 3 of 6 9/29/2014 Constance Espenshade Estate Expenses for Christopher Espenshade 07/12/14 USPS Sots lvania,VA $0.46 N I stamp for bill-from personal inventory 07/31/14 USPS Sots lvania,VA $0.92 N 2 stamp for bill-from personal inventory 08/10/14 La Qunta Inn Harrisburg,PA $0.00 Y Hotel stay to close on house-$94.35 08/18/14 USPS Sots lvania,VA $1.38 N 3 stamps for bills-from personal inventory 09/14/14 USPS Sots lvania,VA $0.92 N 2 stamp for bill-from personal inventory Total $506.06 4of6 9/29/2014 j.