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11-14-14 (3)
REV-1500 EX(02-11) 11-11505610143 OFFICIAL USE ONLY PA Department of Revenue pennsylvania County Code Year File Number Bureau of Individual Taxes DEPARTMEM OF REVENUE PO BOX.280601 INHERITANCE TAX RETURN 21 14 00529 Harrisburg,PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death Date of Birth 05 25 2014 06 26 1926 Decedent's Last Name Suffix Decedent's First Name MI SNYDER GENEVIEVE A (If Applicable)Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW 1. Original Return 2. Supplemental Return 3. Remainder Return(Date of Death JXJ Prior to 12-13-82) 4. Limited Estate 4a.Future Interest Compromise 5. Federal Estate Tax Return Required (date of death after 12-12-82) X❑ g Decedent Died Testate 7 Decedentpy of Trrust a Living Trust 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) PY ) 9. Litigation Proceeds Received 1 D,Spousal PovelrY Credit(Date of Death 11.Election to tax under Sec.9113(A) 9 bglween 12-31 91 and hedule 0) CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number WAYNE M PECHT ESQ 717 691 9801 ;u H REGI"F WILILSE 6RL i-�1 C7 --A CD First Line of Address _ t� I--- rrj tzm 650 NORTH TWELFTH ST rf, = CDCD Second Line of Address C3 "" SUITE 100 1— 7--' DATE FILEI4�) City or Post Office State ZIP Code LEMOYNE PA 17043 Correspondent's e-mail address: wpecht pechtlaw.com Under penalties of perjury,I declare that I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief, it is true correct and complete.Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge. SIGN U E O ERSO�SPONSIQt5.F9R FILING RETURN ATE Stephen D. Farina ADD SS 13 Lerov Street Pots am NY 13676 SIGNATUR OFPARE 0TH HAN P ES NTATIVE DATE Wayne M Pecht Esq. ADDRE S 650 North Twelfth St., Lemoyne, PA 17043 Side 1 1505610143 1505610143 1505610243 REV-1500 EX Decedent's Social Security Number Decedent's Name: Snyder, Genevieve A. RECAPITULATION 1. Real Estate(Schedule A)....................................................................................... 1. 118 , 991 . 12 2. Stocks and Bonds(Schedule B)............................................................................. 2. 79f681 . 40 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. 197 , 029 . 53 6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested............ 6. 7. Inter-Vivol Transfers&Miscellaneoustin Probate Property (Schedule G) u Separate Billing Requested............ 7. 17F765 . 97 8. Total Gross Assets(total Lines 1 through 7)........................................................ 8. 413, 468 . 02 9. Funeral Expenses and Administrative Costs(Schedule H).................................... 9. 28 ,276. 91 10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule 1)............................ 10. 2 , 730 . 21 11. Total Deductions(total Lines 9 and 10)................................................................ 11. 31 , 007 . 12 12. Net Value of Estate(Line 8 minus Line 11).......................................................... 12. 382 , 460 . 90 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made(Schedule J)............................................... 13. . 14. Net Value Subject to Tax(Line 12 minus Line 13)............................................... 14. 382 , 460 . 90 TAX COMPUTATION-SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate,or transfers under Sec.9116 (a)(1.2)X.00 15. 0 . 00 16. Amount of Line 14 taxable 0 . 00 16. 0 . 00 at lineal rate X .045 17. Amount of Line 14 taxable at sibling rate X.12 0 . 00 17. 0 . 00 18. Amount of Line 14 taxable at collateral rate X.15 382 , 460 . 90 18. 57 , 369 . 14 19. TAX DUE................................................................................................................ 19. 57 , 369. 14 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. ❑ Side 2 L 1505610243 1505610243 REV-1500 EX Page 3 File Number 21-14-00529 Decedent's Complete Address: DECEDENT'S NAME Snyder, Genevieve A. STREETADDRESS 611 Robert Street CITY STATE ZIP Mechanicsburg PA 17055 Tax Payments and Credits: 1. Tax Due(Page 2,Line 19) (1) 57,369.14 2. Credits/Payments A. Prior Payments 54,000.00 B. Discount 2,842.11 Total Credits(A +B) (2) 56,842.11 3. Interest (3) 4. If Line 2 is greater than Line 1 +Line 3,enter the difference. This is the OVERPAYMENT. (4) Check box on Page 2,Line 20 to request a refund 5. If Line 1 +Line 3 is greater than Line 2,enter the difference. This is the TAX DUE. (5) 527.03 . Make Check Payable to: REGISTER OF WILLS, AGENT. PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred;............................................................................... ❑ ❑x b. retain the right to designate who shall use the property transferred or its income;.................................. ❑ ❑x c. retain a reversionary interest;or............................................................................................................... ❑ 7 d. receive the promise for life of either payments,benefits or care?............................................................ ❑ ❑x 2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration?.................................................................................................................... ❑ ❑x 3. Did decedent own an In trust for" or payable upon death bank account or security at his or her death?....... ❑ ❑x 4. Did decedent own an individual retirement account,annuity,or other non-probate property which contains a beneficiary designation?.................................................................................................................. ❑ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1,1994 and before Jan.1,1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent[72 P.S.§9116(a)(1.1)(i)]. For dates of death on or after January 1,1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S.§9116(a)(1.1)(ii)]. The statute does not exempt a transfer to a surviving spouse from tax,and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1,2000: • The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent,an adoptive parent,or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1.2)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent,except as noted in[72 P.S.§9116(a)(1)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent[72 P.S.§9116(a)(1.3)]. A sibling is defined, under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption. Rev-1502 EX+(01-10) SCHEDULE A pennsylvania REAL ESTATE DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Snyder, Genevieve A. 21-14-00529 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 pro erty 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 tacts. Real property that is jointly-owned with right of survivorship must be disclosed on schedule F. Attach a copy of the settlement sheet if the property has been sold Include a copy of the deed showing decedent's interest if owned as tenant in common. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 611 Robert Street, Mechanicsburg, PA-proceeds from sale 118,991.12 TOTAL(Also enter on Line 1, Recapitulation) 118,991.12 (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-1503 EX+(6-98) SCHEDULE B STOCKS & BONDS COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Snyder, Genevieve A. 21-14-00529 All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM CUSIP VALUE AT DATE NUMBER NUMBER DESCRIPTION UNIT VALUE OF DEATH 1 Merrill Lynch Account#xxxx708-mutual fund;Wells Fargo 79,681.40 &Co.and Blackrock Global TOTAL(Also enter on Line 2, Recapitulation) 79,681.40 (If more space is needed,additional pages of the same size) Copyright(c)2002 form software only The Lackner Group,Inc. Form PA-1500 Schedule B(Rev.6-98) Rev-1508 EX+(11-10) SCHEDULE E pennsylvania CASH, BANK DEPOSITS, & MISC. DEPARTMENT OF REVENUE INHERITANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER Snyder, Genevieve A. 21-14-00529 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 Merrill Lynch Account#xxxx708 .93,284.47 2 Merrill Lynch Account#xxxx708-deposit(closing Wells Fargo high yield savings account 98,704.29 on 5/23/14)which did not reflect until 5/28/14. 3 PA Department of Revenue-rent rebate 250.00 4 Wells Fargo Account#xxxx2397-Checking account 4,198.88 5 Wells Fargo Account#xxxx2397-unknown deposit 196.47 6 Comcast-refund 7.72 7 Erie Insurance -refund homeowners insurance premium 384.00 8 PP&L-refund 3.70 TOTAL(Also enter on Line 5, Recapitulation) 197,029.53 (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-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 Snyder, Genevieve A. 21-14-00529 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 THE DATE OFnTROANSFERSATfACH A COPE THEIR Y OF RELATIONSHIP DEIED OR REAL ESTATE. VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE 1 Wells Fargo IRA#xxxx8516-IRA; beneficiaries: 17,765.97 100.000% 17,765.97 Stephen D.Farina,nephew,and Jane Farina, niece-in- law. TOTAL(Also enter on Line 7, Recapitulation) 17,765.97 (If more space is needed,additional pages of the same size) Copyright(c)2009 form software only The Lackner Group,Inc. Form PA-1500 Schedule G(Rev.08-09) REV-1511 EX+(10-09) pennsylvania SCHEDULE H DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERRESIDENT EDENAX TURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER Snyder, Genevieve A. 21-14-00529 Decedent's debts must be reported on Schedule I. ITEM DESCRIPTION AMOUNT NUMBER A. FUNERAL EXPENSES: See continuation schedule(s)attached 11,777.42 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Street Address City State Zio Year(s)Commission Paid 2. Attorney's Fees Pecht&Associates, P.C. 7,500.00 3. Family Exemption: (If decedent's address is not the same as claimant's,attach explanation) Claimant Street Address City State ZiD Relationship of Claimant to Decedent 4. Probate Fees 755.32 See continuation schedule(s)attached 5. Accountant's Fees 6. Tax Return Preparer's Fees 7. Other Administrative Costs 8,244.17 See continuation schedule(s) attached TOTAL(Also enter on line 9,Recapitulation) 28,276.91 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 Snyder, Genevieve A. 21-14-00529 ITEM NUMBER DESCRIPTION AMOUNT Funeral Expenses 1 Malpezzi Funeral Home-funeral services 10,692.42 2 Stephen Farina-burial at Holy Cross Cemetery 1,085.00 H-A 11,777.42 Probate Fees 3 Cumberland Law Journal-legal advertisement 75.00 4 Patriot News-legal advertisement 196.82 5 Register of Wills-probate fees 413.50 6 Register of Wills-filing fee-Family Settlement Agreement 20.00 7 Register of Wills-additional letters fee 50.00 H-134 755.32 Other Administrative Costs 8 Abbey Carpet&Flooring-repair carpet at residence 1,083.00 9 Barry L. Heckard,Sr. -property tax 1,632.73 10 Borough of Mechanicsburg-sewer/trash 131.00 11 Harry Poff-lawn care 100.00 12 Jane Farina-reimbursement of costs(carpet, Elders Choice Care) 4,334.97 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 Snyder, Genevieve A. 21-14-00529 ITEM NUMBER DESCRIPTION AMOUNT 13 Merrill Lynch Estate Account#xxxx3602-bank fee 20.00 14 Merrill Lynch Estate Account#xxxx3602-bank fee 16.00 15 PP&L-electric bill 39.00 16 PP&L-electric bill 27.03 17 PP&L-electric bill -final 15.78 18 Stephen Farina-reimburse overnight mailings 39.98 19 Sue Poff-flooring for bathrooms 335.00 20 UGI Utilities-gas bill 80.00 21 UGI Utilities-gas bill 68.85 22 UGI Utilities-gas bill-final 7.95 23 UGI Utilities-gas bill 80.00 24 United Water-water bill 11.62 25 United Water-water bill-final 13.18 26 United Water-water bill 11.62 27 Wells Fargo Retirement-refund pension payment 196.46 H-B7 8.244.17 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 Snyder, Genevieve A. 21-14-00529 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 Andrews&Patel -medical bill 34.63 2 Capital Cardiovascular-medical bill 40.88 3 Elder's Choice Care-home care medical bill 780.00 4 Harry Poff-lawn care invoice 250.00 5 Merrill Lynch Account#xxxx708-checks written before date of death, but cleared after date 1,245.00 of death 6 PA Retinal Specialists-medical bill 59.17 7 Paul Dalbey, DPM-medical bill 8.48 8 Pinnacle Health Care-medical bill 14.19 9 PP&L-electric 38.99 10 Quantum Imaging-medical bill 45.10 11 Spirit Physician Services-medical bill 101.05 12 UGI Utilities-gas bill 67.00 13 United Water-water bill 30.19 14 West Shore Anesthesia-medical bill 15.53 TOTAL(Also enter on Line 10, Recapitulation) 2,730.21 (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) REV-1513 EX+(01-10) pennsylvania SCHEDULE J DEPARTMENT OF REVENUE INHERITANCE TAX RETURN BENEFICIARIES RESIDENT DECEDENT ESTATE OF FILE NUMBER Snyder, Genevieve A. 21-14-00529 NAME AND ADDRESS OF RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE NUMBER PERSON(S)RECEIVING PROPERTY DECEDENT (Words) ($$$) 0 of 'st st e s ITAXABLE DISTRIBUTIONS [include outright spousal distributions,and transfers under Sec.9116(a)(1.2)] Jane M. Farina Niece by Marriage 50%of residue 191,230.45 2737 Central Avenue Ocean City, NJ 08226 Stephen D. Farina Nephew 50%of residue 191,230.45 13 Leroy Street Potsdam, NY 13676 Total 382,460.90 Enter dollar amounts for distributions shown above on lines 15 through 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) Last Will and Testament OF GENEVIEVE A. SNYDER 1, Genevieve A. Snyder, of Mechanicsburg, Cumberland County,Pennsylvania, do make, publish and declare this to be my Last Will and Testament,hereby revoking all Wills and Codicils by me heretofore made. ITEM L, Family Information. I am not married, and I have no children ITEM H: Death Taxes. I direct that all inheritance and estate taxes becoming due by reason of my death,whether payable by my estate or by any recipient of any property,shall be paid -----.-by-t-he-E-x.-�cutor-out-.-of-theresidue--of my-estate,as an:expense and cost of adinim-9ttati6ri-6f my--- estate, except that no taxes,shall be charged against any gift qualifying for the,marital or charitable deduction in my estate. The Executor shall have no duty or obligation to obtain reimbursement for any such tax so paid,even though on proceeds of insurance,or other property not passing under this Will. ITEM III: Debts and Final Expenses. I direct the Executor to pay the expenses of my last illness and funeral expenses from the residue of my estate as an expense and cost of administration of my estate. ITEM IV: Tangible Personal Property. If I die before Stephen D.Farina and Jane M. Farina, or the survivor of them, I give to them all my tangible personal property,including but not limited to, all of my household furniture and furnishings, books,,pictures, jewelry, silverware, automobiles,wearing apparel and all other articles of household or personal use or adornment and all policies of insurance thereon in equal shares,per capita. If I do not die before Stephen D.Farina and Jane A Farina, I may leave a written list in my safe deposit box or elsewhere disposing of certain items of my tangible personal property, The Executor shall dispose of items of my tangible personal Initials property as specified in the written list. If no written list is found in my safe deposit box or elsewhere and properly identified by the Executor within thirty (30) days after the probate of my Will, it shall be presumed that there is no other statement or list. Any subsequently discovered list shall be ignored. ITEM V: Residue. I give the residue of my estate, not disposed of in the preceding portions of this Will,to Stephen A Farina and Jane M.Farina or the survivor of them, in equal shares,per capita. ITEM VI: Administrative Powers. In addition to the powers granted at law,the Executor shall possess the following powers,each of which shall be construed broadly and may be exercised without court approval, but in a fiduciary capacity only: retain any investments I have at my death, including specifically - - —_- -- those consisting of stock of any bank even if I have named that bank as the Executor. B. To vary investments, to make loans, and to invest in bonds, stocks, notes,real estate mortgages or other securities or in other property,real or personal, without being restricted to so-called"legal investments",and without being limited by any statute or rule of law regarding investments by fiduciaries. C. The Executor is authorized to divide and distribute personal property and real property, partly or wholly in kind, and to allocate specific assets among beneficiaries so long as the total market value of each share is not affected by the division,distribution or allocation in kind. The Executor is authorized to make,join in and consummate partitions of lands,voluntarily or involuntarily,including giving of mutual deeds,or other obligations,with as wide powers as an individual owner in fee simple. �Z 2 Initials D. To sell either at public or private sale real and personal property severally or in conjunction with other persons,and to consummate sale(s)by deed(s) or other instrument(s)to the purchaser(s),conveying a fee simple title. No purchaser shall be obligated to see to the application of the purchase money or to make inquiry into the validity of any sale(s). The Executor is authorized to execute,acknowledge and deliver deeds,assignments,options or other writings as necessary or convenient to any of the power conferred upon the Executor. E. To mortgage real estate, and to make leases of real estate. F. To borrow money from any person, including the Executor, to pay indebtedness of mine or of my estate, expenses of administration or inheritance, legacy, estate and other taxes, and to assign and pledge assets of my estate ----------.-___established_b_y_-this--Will. G. To pay all costs,taxes, expenses and charges in connection with the administration of my estate established under this Will. H. To make distributions of income and of principal to the proper beneficiaries,during the administration of my estate,with or without court order,in such manner and in such amounts as the Executor deems prudent and appropriate. I. To vote shares of stock which form a part of my estate established under this Will, and to exercise all the powers incident to the ownership of stock. J. To unite with other owners of property similar to property in my estate to carry out plans for the reorganization of any company whose securities form a part of my estate. Initials K. To disclaim any interest in property which would devolve to me or my estate by whatever means, including but not limited to the following means: as beneficiary under a will, as an appointee under the exercise of a power of appointment, as a person entitled to take by intestacy, as a donee of an inter vivos transfer, and as a donee under a third-party beneficiary contract. L. To prepare, execute and file tax returns of any type required by applicable law,including but not limited to filing a joint tax return with my surviving spouse, and to make all tax elections authorized by law. M. To employ custodians of property, investment or business advisors, accountants and attorneys as the Executor deems appropriate, and to compensate these persons from assets of my estate or trust,without affecting the compensation to entitled. N. To allocate administrative expenses to income or to principal, as the Executor deems appropriate. However,no allocation to income shall be made if the effect of the allocation is to cause a reduction in the amount of any estate tax marital deduction or estate tax charitable deduction. O. To make any adjustment to basis authorized by law,including,but not limited to increasing the basis of any property included in my estate,whether or not passing under this Will, by allocating any amount by which the bases of assets may be increased. The Executor shall be under no duty and shall not be required to allocate basis.increase exclusively,primarily,or at all to assets which pass as part of my probate estate as opposed to other property for which a basis adjustment is allowable. The Executor shall allocate basis increase equitably among those beneficiaries receiving property as a result of my death,but shall not be liable to any person, nor subject to removal or surcharge, for any reasonable allocation of basis increase. 4 Initials P. To compromise claims. To do all other acts in his or her judgment necessary or desirable for the proper and advantageous management, investment and distribution of the estate established under this Will. ITEM VIII: Survival. Any person who has died within thirty(3 0)days after my death,or under such circumstances that the order of our deaths cannot be established by proof, shall be deemed to have predeceased me. Any person(other than myself)who has died at the same time as any beneficiary under this Will, or in a common disaster with that beneficiary, or under such circumstances that the order of deaths cannot be established by proof, shall be deemed to have predeceased that beneficiary. --- -------I-T—E—M:4X:----Executors: I make the following-provisions with-respect-to,Executors: -- ---- - A. I appoint my nephew,Stephen D.Farina,of Potsdam,New York,to be the Executor of my Estate. In the event that my nephew is unable or refuses to serve as Executor of my estate,I appoint Jane M. Farina, of Ocean City,New Jersey, to serve as Executrix of my estate. B. The Executor shall have the right to receive reasonable compensation for services rendered and reimbursement for reasonable expenses. C. No Executor shall be liable or accountable for any loss that may result from the good faith exercise of the authority granted in this Will. D. The Executor is specifically relieved from the duty of filing bond or entering security. s Initials IN WITNESS WHEREOF,I have set my hand and seal to this,my Last Will and Testament, consisting of this and the preceding five(5)pages this /g ;bk day of October 2010. Genevieve A. Snyder SIGNED, SEALED, PUBLISHED and DECLARED by Genevieve A. Snyder, the above named Testatrix, as and for her Last Will and Testament,in the presence of us,who,at her request and in her presence, and in the prese ce of each other,have hereunto subscribed our names as witnesses. Residence T.a Residence 6 Initials ACKNOWLEDGEMENT COMMONWEALTH OF PENNSYLVANIA ss: COUNTY OF CUMBERLAND We, Genevieve A. Snyder, and i': Testatrix and witnesses,respectively,whose names are signed to the attached and foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the Testatrix signed and executed the instrument as her last will and that she had signed willingly,and that she executed it as her free and voluntary act for the purpose therein expressed,and that each of the witnesses,in the presence and hearing of the Testatrix,signed the Will as witnesses and that to the best of his/her knowledge the Testatrix was at that time eighteen years of age or older, of sound mind and under no constraint or undue influence. Genevieve A.Snyder Testatrix itnes i e Subscribed and sworn to and acknowledged before me by Genevieve A.Snyder,the Testatrix, and subscribed and sworn to before me by A . �'r and witnesses, on this °. ,J day of October 2010. cowA7N1r'EALTH OF PENNSYLVANIA i OTARIAL. SEAL Lori A. Backenstoes-Notary Public o Pub is Lower Allen Twp.,Cumberland County MY COMMISSION EXPIRES OCT.14,2011 - 7 Initials _R ?;��F�Bw.✓'�+.,Ec.t r3 a> bv']t,;f�rL-r r i ,.�yrX i fr �CSi ' n 91 tt3n It r 00 O Com.• � � E � 0. �' ' .A f•? d ftlY a � � Juj Ib 2814 88[1_294_S658 5658 Merrill Lynch page 985 uJ CYJ r. S M z rrpl.t�trr y :5 h5 I+j y riF IMP NN ox ttr . � � ori:"'X."M.���;;c�• ,:5;,11 ��~, r a,'h, [py [1 1p om; 'aa;ti�r -;r nj. 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Settlement Statement (HUD-1) Ilk pe of Loan 1.MX FHA 2,Q RHS 3.Q Conv.Unins. 6.File Number: 7.Loan Number; 18,Mortgage Insurance Case Number: PY014-79 3804023193 4,Q VA 5.Q Conv.Ins. C.Note:This form is furnished to give you a statement of actual settlement costs.Amounts paid to and by the settlement agents are shown.Items marked "(p,o.c)"were paid outside the closing;they are shown here for informational purposes and are not included in the totals. D.Name&Address of Borrower: E.Name&Address of Seller: F.Name&Address of Lender: Bryce A.Mitchem,Lauren Ponder Estate of Genevieve A.Snyder Maverick Funding Corp. 2200 N.Susquehanna Trail,Apt,17,York,PA 17404 1105 Berkshire Boulevard,Wyomissing,PA 19610 G.Properly Location: H.Settlement Agent: I.Settlement Date:09/1212014 611 Robert Street Pyramid Land Transfer LLC Disbursement Date:09/1212014 Mechanicsburg,PA 17055 3 Lemoyne Drive,Suite 100,Lemoyne,PA 17043 Parcel 17-230563-045,Mechanicsburg Borough Place of Settlement: TitleExpress 3 Lemoyne Drive,Suite 100,Lemoyne,PA 17043 Printed 0911112014 at 4:23 pm by TP J.Summary of Borrower's Transaction K.Summary of Settees Transaction 100. Grosi Amount Due.from Borrower 400: Gross Amount Due to Seller 101. Contract sales price 138,500.00 401. Contract sales price 138,500.00 102. Personal property 402. Personal pro ff 103. Settlement charges to borrower(line 1400) 8,228.93 403. 104, 404, 105. 405. Adjustments for items paid by seller in advance Adjustments for items paid by seller in advance 106. City/town taxes to 406, City/town taxes to 107. County taxes 09112/2014 to 12/31/2014 230.10 407. County taxes 09/1212014 to 12/3112014 230.10 108. School Taxes 09/12/2014 to 06/30/2015 1,306.18 408. School Taxes 09/1212014 to 06/30/2015 1,306.18 109. 3rd Qtr Refuse 09/1212014 to 09/3012014 8.47 409, 3rd QIr Refuse 0911212014 to 0913012014 8.47 110. 3rd Qtr Sewer 09/12/2014 to 09/30/2014 18.59 410. 3rd Qtr Sewer 09/1212014 to 09/30/2014 18.59 111. 411. 112. 412. 120• Gross Amount Due from Borrower 148,292.27 420. Gross Amount Due to Seller 140,063.34 200.:,Amounts Paid by or inBehalfof Borrower " 500. 'Reductions,In Amount'Due to Seiler 201. Deposit or earnest money 1,000.00 501. Excess deposit(see instructions) 202. Principal amount of new loan(s) 135,990.00 502. Settlement charges to seller(line 1400) 13,617.22 203. Existing loos taken subject to 503. Existing loan(s)taken subject to 204. 504. Payoff of first mortgage loan 205. 505, Payoff of second mortgage loan 206. 506, 207. Seller Assist 7,455.00 507. Seller Assist 7,455.00 208. 508. 209. 509. Adjustments for items unpaid by seller Adjustments for items unpaid by seller 210. City/town taxes to 510. City/town taxes to 211. County taxes to 511. County taxes to 212. School Taxes to 512. School Taxes to 213. 513, 214. 514. 215. 515. 216. 516. 217. 517. 218. 518. 219. 519. 220. Total Paid by/for Borrower 144,445.00 520. Total Reduction Amount Due Seller 21,072.22 300, Cash at Settlement fromlto Borrower 600. 'Cash at Settlement tolfrom Seller 301. Gross amount due from borrower(line 120) 148,292.27 601, Gross amount due to seller(line 420) 140,063.34 302. Less amounts paid byffor borrower(line 220) 144,445.00 602. Less reductions in amount due seller(line 520) 21,072.22 303. Cash QX From ❑To Borrower 3,847.27 603. Cash nX To ❑ From Seller or rx crn ormau rre.Qeptohninxtdisodr oesourctc itrnmp,arnttivrasl»o.ryrr.g,Tho ts(sedpao siprrnyetl ttopamay.Me,Neapptanrteiyesmlaays nRESPA caoveorc,ndtrensaqolrtio,n vriyu are na o romp t 118,991.12 lhol,Artton d.OW lottha 11yyeOMB ml=111=1..2111 ia stmtmtm process. Previous editions are obsolete Page 1 of 4 HUD-1 L.Settlinnent Charges 700. 'Total Real Estate Broker Fees $8,211.40 Paid From Paid From Division ofcommission(line 700 as follows: Borrower's -Seller's 701• $3,905.70 to RSR Realtors .`Funds at Funds at 702. $4,305.70 to RemaxlstAdvantage Settlement.. Settlement 703. Commission paid at settlement 8,211.40 800. Items Payable,in Connection with Loan 801. Our origination charge (includes Origination Point 0.000°16 or$0.00) $1,245.00 (from GFE#1) 802. Your credit or charge(points)for the specific interest rate chosen $-764.26 (from GFE#2) 803. Your adjusted origination charges (from GFE A) 480.74 804. Appraisal fee to Appraisal Nation (from GFE#3) 450.00 805. Credit report to Corel is Credco (from GFE#3) 22.20 806. Tax service to from GFE#3 807. Flood certification to Kroll Factual Data (from GFE#3) 9.00 808. to 900._Items Required by Lender to be Paid in Advance 901. Daily interest charges from from 09112/2014 to 10/0112014 @$13.9700/day (from GFE#10) 265.43 902. Mortgage insurance premium for months to Maverick Funding Corp. (from GFE#3) 2,338.91 903. Homeownets insurance for 1 years to Donegal Insurance (from GFE#11) 480.00 904, months to from GFE#11 1000.'ReseriesDe ositedwithLehdeY 1001.Initial deposit for your escrow account (from GFE#9) .717.33 1002.Homeowner's insurance 3 months @$ 40.00/month $120.00 1003.Mortgage insurance months @$ 149.101month $ 1004.Property taxes 9 months $ 63.051month $567.45 1005.Scholl taxes-Impound 4 months $ 136,06/month $544.24 1006.Assessments months @$ 0.001month $ 1007.Aggregate Adjustment $-514.36 1100.Title Charges 1101,Title services and lenders title insurance to Pyramid Land Transfer LLC from GFE#4 1,457.32 1102.Settlement or closing fee to $ 1103.Owner's title insurance-Old Republic National Title Insurance Co. from GFE#5 15.00 1104.Lender's title insurance-Old Republic National Title Insurance Co. $1,230.00 1105.Lender's title policy limit$135,990.00 Lenders Policy 1106.Owners title policy limit$138,500.00 Owner's Policy 1107.Agent's portion of the total title insurance premium $1,080,75 to Pyramid Land Transfer LLC 1108.Underwriter's portion of the total title Insurance premium $164.25 to Old Republic National Title Insurance Co. 1109.Closing Service Letter to Pyramid Land Transfer LLC$125.00 1110.Attorney Fees to Pecht&Associates PC 1.500•00 '1200.Government Recording and Transfer Charges 1201.Government recording charges $ (from GFE#7) 183.00 1202•Deed$79.00 Mortgage$95.00 Release$ 1203.Transfer taxes $ (from GFE#8) 1,385.00 1204.City/County tax/stamps Deed$1385.00 Mortgage$ 1205.State Tax/stamps Deed$1,385-00 Mortgage$ 1,385.00 1206• Deed$ mortgage$ 1207.Electronic Filing Fee $9.00 1300.Additional settlement Charges 1301.Required services that you can shop for (from GFE#6) 1302. to 1303. to 1304.Tax Cert Fee to Saidis Sullivan&Rogers 10.00 1305. Home Warranty to AHS 460.00 1306.Electrical Repair to BeKon Electrical Inc. 856.82 1307.Water Heater Repair to Hand side Plumbing Heating414.00 1308.Radon Mitigation to American Radon Solutions 780.0 1309. Inspections to The Virlus Group 425.00 ME1111MIMr r 8,228.93 1 13,617.22 'Paid outside of closing by(B)orrower,(S)eller,(L)ender,(I)nvestor,Bro(K)er.`"Credit by lender shown on page 1."'Credit by seller shown on page 1. Previous editions are obsolete Page 2 of 4 HUD-1 Comparison of Good Faith Estimate GFE and HUD-1 Charges Good Faith Estimate HUD-1 Charges That Cannot Increase HUD-1 Line Number Our origination charge # 801 1,245.00 1,245.00 Your credit or charge(points)for the specific interest rate chosen # 802 -764.26 -764.26 Your adjusted origination charges # 803 480.74 480.74 Transfer taxes # 1203 1,385.00 1,365.00 Charges That in Total Cannot Increase More Than 10% Good Faith Estimate HUD 1 Government recording charges #.12p1 19200 183 W Appraisal fee # 804 425.00 Credit report # 450.00 805 22.20 22.20 Flood certification # 807 Mortgage insurance premium # 902 233 98.000 9.00 2,338.91 'Title services and lender's title insurance # 1101 1,457.32 1,457.32 Owner's.title insurance-Old Republic Natlonal Title Insurance co.. # 1103 15.00 15.00 # 4,459.43 4,475.43 Increase between GFE and HUD-1 Charges $ 16.00 or 0.3588% Charges That Can'-Chane "Good Faith Estimate HUD-1 Initial deposit for your escrow account ' # 1001 717.33 717.33 Daily interest charges from #901 $13,9700/day 265.43 265.43 Homeowner's insurance #903 480.00 480.00 Loan Terms Your initial Joan amount is, $ Your loan;term Is years Your initial interest rate is % Your initiatmonthly amount owed for principal,interest;and any mortgage $ includes Insurance;is ❑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 I I and can change again every years after I I 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? E No. ❑Yes,it can rise to a maximum of$ Even 9 you make payments on time,can your monthly amount owed for X❑No. ❑Yes,the first Increase can be on / I and the monthly principal,interest,and mortgage insurance.rise? amount owed can rise to$ The maximum it can ever rise to is$ Does your loan.have-a prepayment penalty? Q No. ❑Yes,your maximum prepayment penalty is$ Does yourtoan 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 Q 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. ❑You have an additional monthly escrow payment of$ that results in a total initial monthly amount owed of$ This includes pdncipat Interest, any mortgage insurance and any items checked below: ❑Property taxes ❑Homeowner's insurance ❑Flood insurance ❑ ❑ ❑ Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your lender. Previous editions are obsolete Page 3 of 4 HUD-1 HUD CERTIFICATION OF BUYER AND SELLER I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief,it is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction I further certify that I have received a copy of the HUDA Settlement Statement. Bryce A.9&em L n Ponder ESTATE OF OENEVEVE A.SNYDER Seftlenient Agent The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction.I have caused or will cause the funds to be disbursed In accordance with this statement. -0 SETTLEMENT AGENT DATE 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. HUD-! Previous editions are obsolete Page 4 of 4