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11-19-14
1505610105 RE it—1500 OFFICIAL USE ONLY PA Department of Revenue pennsytvarda Bureau of Individual Taxes K--. County Code Year Fife Number PO BOX 280601 INHERITANCE TAX RETURN Harrisburg,PA a i28-o6o1 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Hate of Birth MMODYYYY 04/08/2014 02/12/1941 Decedent`s Last Name Suffix Decedent's First Name MI STARASINIC CAROL J (If Applicable)Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name AAI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE ry REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW CED 1.Original Retum C-'3 2,Supplemental Return O 3. Remainder Return(Date of Death Prior to 12-13-82) O 4.limited Estate p 4a Future Interest Compromise(date of C:� 5.Federal Estate Tax Return Required death After 12-12-82) Op 6.Decedent Died Testate C7 7.Decedent Maintained a Living Trust 4 8.Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust.) O 9.Litigation Proceeds Received O 10.Spousal Poverty Credit(Date of Death O 11. Election to Tax under Sec.9113(A) Between 12-31-91 and 1-1-95) (Attach Schedule O) CORRESPONDENT-THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECI..o TO, Name Daytime Telf@one Number ter- fat W. Scott Startaetl,Esq. .. (717)875�0_0cn- J REGISTER OF WILLS USE"LY .. i C.0 First line of Address Z3 20 Erford Rd.,Ste 106 C:) Second Litre of Address M ._.,.. C - CrJ DATE FILED City or Post office State ZIP Code Lemoyne PA 17043 Correspondent's*-mail address:LgPi2WC2ol.Corn Under penalties of perjury,l declare that i have exarnfried this retum,including ac=npanying schedules and statements,and to the hest of my WoMedge 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 t om+ 'FI MRERJRN 13 TE i.1 114 DR $S 11 Hillsoep., al Ferry,C 06335 SIGN E P REPRESENTATIVEDAT 44 Y 20 Erford Rd.,Ste 105,Lemoyne, PA 17043 PLEASE USE.ORIGINAL FORM ONLY Side 1 15056101CI5 1;50S61Q105 1505610205 REV-1500 EX(FI) Decedent's Social Security Number Decedent's Name: Carol J. Starasinic RECAPITULATION 1. Real Estate(Schedule A). ............................................ 1. 250,000.00 2. Stocks and Bonds(Schedule B) 2. j 0.00 3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C) ..... 3. 0.00 i 4. Mortgages and Notes Receivable(Schedule D)........................... 4. 0.00 r 5. Cash, Bank Deposits and Miscellaneous Personal Property(Schedule E)....... 5. 5,040.30 6. Jointly Owned Property(Schedule F) O Separate Billing Requested ....... 6. , 9,038.30 7. Inter-Vivos Transfers&.Miscellaneous Non-Probate Property s (Schedule G) O Separate Billing Requested........ 7. 0.00 8. Total Gross Assets(total Lines 1 through 7).................. ........... 8. 264,078.60 9. Funeral Expenses and Administrative Costs(Schedule H)..............:.... 9. I 13,454.42 10. Debts of Decedent, Mortgage Liabilities and Liens(Schedule 1)............... 10. 26,970.34 11. Total Deductions(total Lines 9 and 10)................................. 11. a 40,424.76 12. Net Value of Estate(Line 8 minus Line 11) .............................. 12. j 223,653.84 j 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made(Schedule J) ........................ 13. 1 0.00 1 i 14. Net Value Subject to Tax(Line 12 minus Line 13) ........................ 14. 223,654.84 TAX CALCULATION-SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate,or transfers under Sec.9116 ; (a)(1.2)X.0- 15.1 16. Amount of Line 14 taxable at lineal rate X.0 45 222,854.84 16.11 10,028.47 17. Amount of Line 14 taxable at sibling rate X.12 800.00 f 17. 96.00 18. Amount of Line 14 taxable at collateral rate X.15 i 18. I 1 19. TAX DUE .............................. .... ........................... .... ....................... 19. 10,424.47 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT p Side 2 1505610205 1505610205 J REV-1500 EX(FI) Page 3 File Number Decedent's Complete Address: DECEDENTS NAME Carol J. Starasinic STREET ADDRESS 48 Windsor Way CITY STATE ZIP Camp Hill PA 17011 Tax Payments and Credits: = 1. Tax Due(Page 2,Line 19) (1) 10,124.47 2. Credits/Payments A.Prior Payments B.Discount Total Credits(A+B) (2) 0.00 3. Interest (3) 0.00 4. If Line 2 is greater than Line 1 +Line 3,enter the difference. This.is the OVERPAYMENT. Fill in oval on Page 2,Line 20 to request a refund. (4) 5. If Line 1+Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 10,124.47 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.......................................................................................... ❑ N b. retain the"right to designate who shall use the property transferred or its income............................................ ❑ 0 c. retain a reversionary interest.............................................................................................................................. ❑ 0 d. receive the promise for life of either payments,benefits or care?...................................................................... ❑ 0 2. If death occurred after Dec.12,1982,did decedent transfer property within one year of death without receiving adequate consideration?.............................................................................................................. ❑ 3. Did decedent own an"in trust for"or payable-upon-death bank account or security at his or her death?.............. ❑ E 4. Did decedent own an individual retirement account,annuity or other non-probate property,which contains a beneficiary designation? ........................................................................................................................ .❑ a 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 Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S.§9116(a)(1.1)(ii)].The statute does not exempt a transfer to a surviving spouse from tax,and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1,2000: • The-tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent,an adoptive,parent or a stepparent of the child is 0 percent[72 P.S.§9116(a)(1.2)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent,except as noted in.[72 P.S.§9116(a)(1)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent p2 P.S.§9116(a)(1.3)].A sibling is defined, under Section 9102,as an individual who has at least one parent in common with the decedent,whether,by blood or adoption. REV-1502 EX+(12-12) i pennsylvania SCHEDULE A DEPARTMENT OF REVENUE INHERITANCE TAX RETURN REAL ESTATE RESIDENT DECEDENT ESTATE OF: FILE NUMBER: CAROL J. STARASINIC 21-14-0369 All real property owned solely or as a tenant in common must be reported at fair market value.Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller,neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts. Real property that is jointly-owned with right of survivorship must be disclosed on Schedule F. Attach a copy of the settlement sheet if the property has been sold. ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE NUMBER OF DEATH DESCRIPTION 1 �48 Wmdsor Way,Camp HIII East Pennsboro Township,Cumberland County,PA ` 1(see attached settlement sheet) N--` �- — v _250 000.00 y` _ -- _— u I i J kI f--rte_---—�.--..", --_,�._.,_���--'-<--..__`.-_'--._`�.--•-�-.�..._ � �''--.M" ----��'-'� R'�. I r v { { ! I i r•, F o , � r 1 -�- - - --- 000 TOTAL(Also enter on Line 1, Recapitulation.) $ 250, If more space is needed,use additional sheets of paper of the same size. REV-150$EX+(08-12) pennsylvania SCHEDULE E DEPARTMENT OF REVENUE CASH, BANK DEPOSITS & MISC. INHERITANCE TAX RETURN PERSONAL PROPERTY RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Carol J. Starasinic 21-14-0369 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. Nationwide Mutual Insurance Company-pension payment 429.62 2. Highmark Insurance-refund of insurance premium paid 160.60' 3. Comcast-refund of prepaid utility 72.41 4. Nationwide Insurance-refund of insurance premium 22.67 5. National Raccoon Jacket-per appraisal of Meshekow Furs attached 800.00 6. Diamond engagement style ring-per appraisal of Munn's Diamond Gallery attached 225.00 7. Amethyst and diamond fashion ring-per appraisal of Munn's Diamond Gallery attached 380.00 8. Household furnishings sold through Craigslist 450.00 9. Various household items and clothing 2,500.00 TOTAL(Also enter on Line 5, Recapitulation) $ 5,040.30 If more space is needed,use additional sheets of paper of the same size. REV-1500,EX+(01-10) 1`�.� pennsytvania SCHEDULE F DEPARTMENT OF REVENUE INHERITANCE TAX RETURN 30INTLY-OWNED PROPERTY RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Carol J. Starasinic 21-14-0369 If an asset became jointly owned within one year of the decedent's date of death,it must be reported on Schedule G. SURVIVING JOINT TENANT(S)NAME(S) ADDRESS RELATIONSHIP TO DECEDENT A•Garrett X.Starasinic - .,_ __.•- _ t 11 Hillside Dr., Gales Ferry,CT 06335 T T j Son i ' , 4 r r r k I E ; JOINTLY OWNED PROPERTY: LETTER DATE DESCRIPTION OF PROPERTY %OF DATE OF DEATH ITEM FOR JOINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR DATE OF DEATH DECEDENTS VALUE OF NUMBER TENANT JOINT IDENTIFYING NUMBER.ATTACH DEED FOR JOINTLY HELD REAL ESTATE. VALUE OF ASSET INTEREST DECEDENT'S INTEREST 1. A. E - T�- .9_...- ---•---- -- -•�( )19,033 30 �, i -100 -- 9,033.30 03/05/14 I PSECU PO Box 67013 H PA-checking act no 0272407772736 S4 F , r A. r X03/05/14 ' PSECU,PO Box 67013,HbgyPA-savings act no^0272407772736(SI) 5.00! I `— 5.00 2• i 5 00 100; - E E riI t f _ t. , _- f • r _ -- L i t II .- , ,,77 r t I. _71 - - - t' _.� __ ..-_ ' 4T-. "__:t -_._, -k- _-•. ., -.vT _ -_._�.Y.,r - - { I t ( Recapitulation) _- 9,038.30 TOTAL Also enter on Line 6, Reca itulation _ If more space Is needed,use additional sheets of paper of the same size. REV-1511 EX+(08-13) 1- pennsylvania SCHEDULE H DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE'NUMBER Carol J. Starasinic 21-14=0369 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: Romberger Memonals-grave marker - I 2. Byles Memorial Home-funeral services in CT(place of death) 2,068.00 i �V `Wledeman Funeral Home funeral in PA 6,0i.32 4.' Royer's Flowers-burial arrangement _ 95 40',' s.� Lawton American Legion-Funeral reception 675.20 i B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: i� Name(s)of Personal Representative(s). 1,:71- Street ,:71Street Address City State ZIP Year(s)Commission Paid: 3 2. Attorney Fees: 901 00 ti 3. Family Exemption: (If decedent's address is not the same as claimant's,attach explanation.) Claimant Street Address City State ZIP Relationship of Claimant to Decedent 4. Probate Fees: I -- �—408.50,- 5. Accountant Fees: 6. Tax Return Preparer Fees: 7• Munn's Diamond Gallery,Lemoyne,PA-appraisals i100 00 f Meshekow Furs,256 Boston Post Rd.,Waterford,CT-appraisal 50.00 0 00, — - TOTAL(Also enter on Line 9, Recapitulation) $; — - 13,454.42 ` If more space is needed,use additional sheets of paper of the same size. .•...,.vr....-{- .;rk�.:._n. _. d.�.v,S' t+.:w.wni.v'-it y±�.(t.'�>^cyTx„+x�'sa- .. _.., -J .{4.Y?4 kXT Q':' ..,.a-.. _ _ k _ .n:c.a.^rK'k.. .. .d•4,:a',:>e*:,wr^}�"+..A":=_A-r2wi.�w�ti��:�k.:r a,.3 -c?'.�twit+C^at`•'ns. :y- F:�+Ct`:� .Ml$.1"+- .,�S8L7`�4r. y REV-1517?EX+(12-12) 'd? e ma SCHEDULE I pennsylva a iDEPARTMENT OF REVENUE DEBTS,QF DECEDENT, INHERITANCE TAXRETURN .;eay. ,.� m <,. REsioErJr oecEOErvi MORTGAGE,LFIABILIT'IES�-&LIENS "FILE°NUMBER Carol-J..Starasinic 21-14-0369 4 Report debts incurred by the decedent°priorrto death that remained unpaid at the date•of death;,includingunreimbursed.4 ed:cal expenses: ITEM . .,� VA CUEAT.DATE NUMBER .: DESCRIPTION. OF DEATH . i_,;,..,..,.,:.-.._,. ,._., �...�..._. ......:.::... .�..,.:_,_.,.:.:_.....:...,....,...,.....,•,..,_,.,...,.»......_.,..,.,.,.,,._.r...._,,..,.....,...,._............,..,.... 1" &e��er�tu.r3�xr��karc4rrshu�;� 1, iAAA Financial Srvcs PO Box 15019 Wilmington DE,Visa Acct No.4313 0752 9971 93.69 2 Capital One Bank,N.A.,PO Box 71083,Charlotte,NC,Credit Card Acct No.5466 30951835 9170 54.59 3.i ;Discover Financial'ervices PO Box 6103 Carol Stream,IL,Credit Card Acct No;60110024 0334 58791 53.34^ i } f 4 True Green Lawn Care Final Bill i 53.42 _ ._...�............�._.. _a � :. a . ...........................................................................iIS„,d,Yz�wY:7•Y Sr:EE327� 5.1 INationvnde Insurance Insurance on House I 205:99(fij; 6.' IPA American Water-Final Water billings I 118.25 I 7.1 PPL Electric-Final Electric billings 4� 1 ._,,,-.,,,,..............................,,....,....,..,,_._..._.__,...,..".,..,.__._.,...,._....,....�':..,......-._...-..._.........._._...-............-,,.,.........,,_,....._.__._.. .i ��5,4£FF��:�F.�3�.Gi�;„T�ics._'-Ie�3Ri:.f� } 8. 1American Ambulance Service-medical transportation billing Y 11.39 1 9,; 'Gales Ferry Medical Group,1527 Connecticut 12,Gales Ferry,CT-medical billing-last illness 15.00 10.' CRICk Barr Plumbing,Camp Hill,PA-repairs needed to sell house , 165.00 � ^�,srxca rs:arzrr�vr,ry xw�nrc:y 11. j Lowes Home Center,Mechanicsburg,PA-repairs required to sell house 104.33 a.__-�._.______..._.,_.__._.�.__M _......._...,_..._..__.._.._ ........__....._ __...__._._.._.._...._...._.,.__,._............._......._...__.,._..........._........_,.......,_.........._......,_._..,w....., ••••.•� •• Z:.•.I+2'.:`«£YYJ�'A%:.�f:3F.w+�?::d'A'JT=3`b� 12.4 ;Realtor's Commission Sale of house(see Settlement Sheet attached) 14,550.00 i - � A ��. 3X�rP9JTfl3 13.I Transfer taxon sale of house 2,500 00 14.1 ,Mike Sheely-radon mitigation required for sale of house 745.00 f • F----------- ......................._..-..�.___•-._-_-.:.._...._,..-._,..,,-.-,n... _ ',._,.«^._...., ,,,m._<_.._>.._...,,._>_,..,e i+e.52'P'3.: rql sulfuN.",�f�f.a45'9_vf f�.>�'�L7 t 15.1 !Hummel's Mechanical,Inc.-repairs required for sale of house } 230 00 �...-............_..t _. .._...:...._._�<.............._.____._....._.,.._....__,..._.._.,_..._._.,._..._..._,......._..,_.:.,-.._, _.->....-.,..:,,.,,_ ...,...._.,.._.-..,.-. :RYY h'�4f 1'X[e<e hv!fi4R 9"dR:l�#:'x! ;,..,,....�,-...�. __ .,......,_....,.,._....._,.,...,__.....�.._...............,.,.._,._.._.._,,.___.._,...._..._,..,._,.......,,,.,.,.<.�._.,.,,,._...,_...._._..__.._....,.-�,..,....,.............•,•,.,......._.....,_,.__,._.._ - -., •S^S•arfi rrcLWi'JRP_L'ib e..PJK'eaFe;^;tt 16.1 t Baker Door Company-repairs required for sale of house { 388 00 17. �._.Seller assistance on sale of house(reduced selling price from$250,000 to$242,500)« �^ _ I }' 7,500.00 • •, ., �hiK.^rM.l.!n.lai.'P.WIlFF2S[!�:,v'PbM'!fJ��P.:[✓i.�3:� +...............,.! L.._. «,..,.> ,._.._>._--.,..>._--......-:...,._:..:._..,. ,_.,._ ._ ...,..._._..,._._..__...,...._._....._.>.-...,.._,.,_._._......._...--.,-...,.-._..._,_._,_.�.___.__,..._._.._.,_I S'v':vx• - +'amu? t I , J :�Y#RExRrxx?M sYt;aP+ir.YaS'rs�fs�� ra�9u�v. .....,�-..._,.....�„-.,..,.-._,.®.,.<..__,....._..., ._._..........._.,.......:..<,..�-_..._._>..-...........___..-�......:.._...:..:�-:._....._.<..<,.-..-.._,._.-_......_ ,�_..-.._._. ""`�S�Yw_'^.M-I..�.�`8"AeS:F�ee_^.�'.w"4"°ilsea I , c.,.. _,..,..,<i ,,,...,_,•.,.,,.,,... .,.,._..,..w�...,...,...,. ....,_..-,..,..,. _._ ...,r.._ ..,.a...-............... ..._._._.._...._ „_,....>„_..._,..-..._>_....._._..._..,...._...j tm. savrs+�wzrrru :.mvrnra: i � f _ - - .,_...._...._,... � f+sdx�: s�Hues. sr n�.uat s a•:: 4 .... ............_,,.a,,.._-®..-.-__...,.._..._..__..__-�..,_..... ,�a"r",.-S-�r'�a4 �'•T�.XPhF-xG3�.u�. } f : �Iw_�_. _�� `. A.:3?Y?cR�Ti.Ts�:aYi..,-• _....>_._._ ...................................,._„__._,,.,_........,._,�....-_,-....,,...,.._._.,,. gy�.,,:nsW.YL'✓1..3..''+Whs.-eSM:WFY.:Y6::XY�e' TOTAL(Also enter on Line.,10,Recapitulation) $ 26,97 0.34 If more space.is needed,,insert additional sheets of the same size. 4�IF`r"c`.s*+F,Vi+i"+`.'r: +7'3KKA£oq:rrl%!7,:;�+r4'+ ?A'v" .� :a.:-t: r, '.•' ai2�.Y•"„�s„+`:::.gYy:ixAsl?fXbw�E, a:^.ae •.�ti:,'ra�r.. -.wti, tYra3-,i`�.w-•Wvm.:,d:.:,'dSr t LAST WILL AND TESTAMENT OF CAROL J. STARASINIC I, CAROL J. STARASINIC, currently residing at 48 Windsor Way, Camp Hill, Cumberland County, Pennsylvania, do make, publish, and declare this to be my Last Will and Testament, hereby revoking all Wills and Codicils previously made by me. FIRST IDENTITY OF TESTATOR'S FAMILY I declare that I am married to FREDERICK N. STARASINIC,and that all references in this Will to "my husband" are references to him. I have one child, now living, whose name is GARRETT XAVIER STARASINIC, currently residing at 2155 Kingsley Lane, Chesapeake, VA 23323. I have.two grandchildren, now living, whose names are NICHOLAS JOHN STARASINIC and AVA CATHERINE STARASINIC, SECOND FUNERAL/BURIAL It is my desire that my funeral and burial services be conducted by Wiedeman Funeral Home located at 357 South Second Street, Steelton, Pennsylvania. THIRD SPECIFIC BEQUESTS I give to the following named individuals the items of personal property listed opposite each respective individual's name: 1) To my sister, Joyce Horner- my mink coat; PACE ONE OF ELEVEN 2)To my grandson,Nicholas 1. Starasinic-my diamond engagement ring;my Waterford Celtic pendant cross;my diamond heart pendant;and my ruby and diamond pendant;and 3)To my granddaughter,Ava C. Starasinic-the diamond ring which belonged to my mother,Anna Ziegler,my birthstone amethyst ring;my birthstone amethyst earrings;my black pearl earrings;my Waterford heart pendant;my amethyst pendant;my Waterford pendant cross;and my diamond earrings. FOURTH DISPOSITION OF RESIDUE I give, devise, and bequeath all the rest, residue and remainder of my estate,whether real, personal, or mixed, to my husband, provided that he survives me by thirty(30) days. In the event that my husband should predecease me or fail to survive me by thirty(30) days, then and in that event, I give, devise and bequeath my entire estate, whether real, personal or mixed, to my said son, GARRETT X. STARASINIC. In the event that my said son, GARRET X. STARASINIC should predecease me or fail to survive me by thirty (30) days, then and in that event, I direct that my entire estate be distributed to PATRICK 1. HORNER, of 960 Keckler Road,Harrisburg, Pennsylvania, as Trustee, IN TRUST, to be held and administered, upon the terms and conditions, for the uses and purposes, and with the powers and duties set forth in ARTICLE FIFTH hereof FIFTH TRUST A. PAYMENT AND DISTRIBUTION OF INCOME AND PRINCIPAL (I) The entire trust estate shall be administered as one trust until no grandchild of mine is living who is under the age of twenty-one(2I)years and shall be known as "The Carol J. PAGE TWO OF ELEVEN 1 Starasinic Trust". Until that time, the Trustee shall apply the net income and principal of the trust estate as follows: (a) So long as any of my grandchildren are under the age of twenty-one(21) years, the net income of the Trust shall be paid to, or applied for the benefit'of, any or all of my grandchildren at such times and in such amounts as my Trustee shall in his discretion deem necessary for their support, welfare, maintenance, and education. In the event the income shall be insufficient to provide any of my said grandchildren with adequate maintenance, support, welfare,or education, the Trustee may invade the principal of this Trust for this purpose;payments of income or principal to a grandchild pursuant to this paragraph shall not be taken into account in any later division of the trust estate into shares for distribution to my grandchildren or children of a deceased grandchild of mine. (b) The Trustee may pay more to or apply more for some beneficiaries than others and may omit distribution to some beneficiaries entirely during the continuance of the Trust. (c) The Trustee in exercising his discretionary authority with respect to the payment of income or principal of the trust estate to any beneficiary,shall take into consideration any income or other resources available to such beneficiary from sources outside of this Trust that may be known to the Trustee. The Trustee may accept as final and conclusive the written statement of the beneficiary receiving payment as to other available income or resources. The determination of the Trustee with respect to the necessity of making payments out of income or principal to any beneficiary shall be conclusive on all persons howsoever interested in the Trust. (d) The Trustee shall accumulate and add to principal any net income of the Trust not paid out in accordance with the discretion hereinabove conferred on the Trustee. (e) In the event any grandchild of mine predeceases me or dies prior to the termination of this Trust, the interest of such grandchild in the Trust shall cease; except that, if such PAGE THREE OF ELEVEN deceased grandchild of mine is survived by any children then the Trustee may pay net income of the Trust to or apply the same for the benefit of such children of a deceased grandchild of mine in such amount or amounts as the Trustee in his sole discretion may determine for support, welfare, and maintenance. Payments of income or principal to a child of a deceased grandchild of mine pursuant to this paragraph shall not be taken into account in any later division of the trust estate into shares for distribution to my grandchildren or children of a deceased grandchild of mine. Termination and Distribution When no grandchild of mine is living who is under the age of twenty-one(21)years, the Trust shall terminate and the Trustee shall immediately distribute the balance of the trust estate in equal shares to my grandchildren then living and the issue of any deceased grandchildren per stirpes and not per capita. Definitions (3) The following terms, as used in this Will, mean: (a) The term "Trustee" shall also include any alternate Trustees appointed under this Will. (b) The term"grandchildren"and"grandchild"includes adopted children and any who may hereafter be born to or adopted by my son GARRETT X STARASINIC, (c) The term "issue" means lawful blood descendants in the first, second, or any other degree of the ancestor designated, and includes legally adopted children, (d) The term"education"is meant to include college and post graduate study; before approving the choice of an educational institution by any beneficiary,the Trustee shall consider the probable educational needs of the other beneficiaries so as to make reasonably certain that there will be adequate funds available in the trust estate to provide a substantially similar education for the other beneficiaries. PAGE FOUR OF ELEVEN Alienation and Attachment of Beneficiary's Interest (4) No beneficiary or remainderman of this Trust shall have any right to alienate, encumber, or hypothecate his or her interest in the principal or income of the Trust in any manner, nor shall any interest of any beneficiary or remainderman be subject to claims of his or her creditors or liable to attachment, execution, or other process of law. B. GENERAL ADMINISTRATIVE POWERS OF TRUSTEE In order to carry out the purposes of the Trust established by this Will, the Trustee, in addition to all other powers granted by this Will or by law, shall have the following powers over the trust estate, subject to any limitations specified elsewhere in this Will: Retention of Assets (1) To retain any property received by the trust estate for as long as the Trustee considers it advisable. Investments (2) To invest and reinvest in every kind of property and investment which men.of prudence, discretion, and intelligence acquire for their own accounts. Management (3) To manage, control, repair, and improve all trust property. Sales (4) To sell, for cash or on terms, and to exchange any trust property. Leasing and Related Rights (5) To lease any property for terms within or beyond the duration of the Trust for any purpose which the Trustee in his discretion may deem advisable in accordance with law, with or without an option to purchase,and to make such improvements or effect such repairs or replacements to any real,estate subject to this Trust, and to insure such real estate against fire or any other risks, PAGE FIVE OF ELEVEN and to charge the expense therefor to principal or income or part thereof to each as the Trustee may deem proper, and to develop such property, to subdivide it, dedicate it to public use, or grant easements therein as the Trustee may consider advisable; and any lease or agreement made with respect thereto shall be binding for the full term thereof even though it may extend beyond the duration of the Trust. Borrowing (6) To borrow money and to mortgage or pledge or otherwise encumber or hypothecate trust assets as the Trustee may, in his discretion, deem advisable. Division and Distribution (7) On any division or distribution of the trust estate, in the discretion of the Trustee, to divide and distribute property of the trust estate in money or in kind,including undivided interests, or partly in money and partly in kind, including undivided interests; to exercise such powers, herein conferred, after the termination of the trust estate until final distribution of the trust assets; and to valuate trust property for purposes of determining the amount of the trust principal to be distributed to each beneficiary named herein,which valuation, in the absence of a showing of bad faith, shall be conclusive and binding on all concerned. Conduct Business (8) To conduct alone or with others any business in which I am engage or in which I have an interest at my death, with all the powers of any owner with respect thereto, including the power to delegate discretionary duties to others, to invest other property held hereunder in such business, and to organize a partnership or corporation to carry on such business. PAGE SIX OF ELEVEN Employment of Attorneys,Advisors and Other Agents (9)To employ any attorney,investment advisor,accountant,broker,tax specialist,or any other agent deemed necessary by my Trustee; and to pay from the trust estate reasonable compensation for all services performed by any of them, Alternate Trustee (10) In the event of the death, resignation, renunciation, or inability to act of any person appointed as Trustee under this Will,then I direct that MARK F. WAGNER of 1913 Bradley Drive, Harrisburg, Dauphin County, Pennsylvania, act as Trustee under this Will. Compensation of Trustee (11) My Trustee shall receive the sum of five(5%)percent of the net income of the Trust, calculated prior to income taxes on the Trust, if any, payable annually, for services rendered during the administration of the Trust. C. OPERATIONAL PROVISIONS Determination of Income and Principal (1) The Trustee shall determine what is income and what is principal of the Trust established under this Will,and what expenses,costs,taxes,and charges of any kind whatsoever shall be charged against income and what shall be charged against principal in accordance with the applicable laws of the Commonwealth of Pennsylvania as they now exist and may from time to time be enacted, amended, or repealed. Waiver of Trustee's Bond (2) No bond shall be required of any person appointed in this Will as Trustee. PAGE SEVEN OF ELEVEN Choice of Law (3) The validity and administration of the Trust established under this Will and all questions relating to the construction or interpretation of the Trust shall be governed by the laws of the Commonwealth of Pennsylvania. SIXTH EXECUTOR Appointment (1) 1 appoint my husband, FREDERICK N. STARASINIC, as the Executor of this Will. In the event of his death, resignation, renunciation, or inability to act in that capacity, then I appoint my son, GARRETT X. STARASINIC, as Executor of this Will in his stead and place. In the event of his death, resignation, renunciation, or inability to act in that capacity, then I appoint, PATRICK J. HORNER, as Executor of this Will in his stead and place. My Executor or Executrix, whether original, substitute or successor, is referred to herein as my 'Executor". No Bond Required (2) No bond or other security shall be required of any Executor appointed in this Will. Compensation of Executor- (3) My Executor shall receive reasonable compensation for services rendered to my estate during administration. Powers (4) With respect to the settlement and administration of my estate,my Executor shall have,in extension and not in limitation of the powers given by law or by other provisions of this Will, the same power and authority conferred by this Will on the Trustee over the trust estate. Any of the above powers may be exercised,except as otherwise provided by law,from time to time in the discretion of my Executor without further court order or license, PAGE EIGHT OF ELEVEN SEVENTH WILL CONTESTS Ifany beneficiary or remainderman under this Will in any manner,directly or indirectly, contests or attacks this Will or any of its provisions,any share or interest in my estate or in the estate of the Trust established by this Will given to that contesting beneficiary or remainderman under this Will is revoked and shall be disposed of in the same manner provided herein as if that contesting beneficiary or remainderman had predeceased me without issue. EIGHTH GENERAL Effect of Inoperative, Invalid. or Illegal Provision (l) If any of the provisions of this Will or of any Codicils thereto are held to be inoperative, invalid, or illegal, it is my intention that all of the remaining provisions thereof shall continue to be fully operative and effective so far as is possible and reasonable. Headings (2) The headings above the various provisions of this Will have been included only in order to make it easier to locate the subject covered by each provision and are not to be used in construing this Will or in ascertaining my intentions. IN WITNESS WHEREOF, I, CAROL J. STARASINIC, hereby set my hand to this my last Will, consisting of eleven(11)typewritten pages, on this d day of 1 , 2000. L (Seal) Carol J. Starasi is r G-� Attestation Clause Signed, sealed, published and declared by Carol J. Starasinic, the above-named Testatrix, as and for her last Will and Testament, in the presence of us, who, at her request, in her PAGE(VINE OF ELEVEN presence, and in the presence of each other, all being present at the same time have subscribed our names as witnesses. residing at /`�l/ ✓ -,r c�� _�__� Y _ Matsiding at �l (/� i Y " • Commonwealth of Pennsylvania ss: County of 1, CAROL J. STARASINIC, Testatrix, whose name is signed to the foregoing instrument, having been duly qualified according to law, do hereby acknowledge that I signed and executed the instrument as my Last Will and Testament, that I signed it willingly, and that I signed it as my free and voluntary act for the purposes therein expressed. Carol J. Starasinic Sworn to or affirmed to and acknowledged before me by Carol J. Starasinic, the Testatrix, this Q e-1 day of 0M 2000. NOTARIAL SEAL �`"'�` MARIANN L.STIELY,Notary Public Notary Public Lemoyne Boro,Cumberland County M Commloslon Expires Jan.2 L.2001 Commonwealth of Pennsylvania Ss: County of 0�t,._. c�, .���,���t,��G�ar-rLt� We, and , the witnesses whose names are signed to the foregoing instrument,being duly qualified according to law, do depose and say that we were present and saw the Testatrix sign and execute the instrument PAGE TEN OF ELEVEN as her Last Will and Testament;that CAROL J. STARASMC signed willingly and that she executed it as her free and voluntary act for the purposes therein expressed;that each of us,in the hearing and sight of the Testatrix, signed the Will as witnesses; and that, to the best of our knowledge, the Testatrix was at that time 18 or more years of age, of sound mind and under no constraint or undue influence. lei ac-l� Witness fitness Sworn or affirmed tond subscribed to before me by3� and . f� rk �a. C-ja c�,_1C, witnesses,this '--±4`day of !y ,,— , 2000. Notary ublic- N©'TARIAL SEAL MARIANN L.STIELY,Notary Public Lemoyne Boro,Cumberland County My Commission cx,7lres Jan,2 PAGE ELEVEN OF ELEVEN OMB Approval No.2502-0265 A. Settlement Statement (HUD-1) FINAL 1.❑FHA 2.❑RHS 3.❑Conv.Unins. 6.Flie Number. 7.Loan Number. 8.Mortgage Insurance Case Number. 14-1377GC� 1501807526 4.❑VA 5.©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 dosing;they are shown here for informational purposes and are not included in the totals. D.Name 8:Address of Borrower E.Name&Address of Seller: F.Name 8:Address of Lender. John M.Woodward,Danielle E.Woodward Carol J.Starasinic Frarddin American Mortgage Company 2212 Gteim CL,Enola,PA 17025 48 WindsorM*,Camp Hill,PA 17011 501 Corporate Centre Dr„Suite 400,Frankl-m, TN 37067 G.Property Location: H.Settlement Agent 1.Settlement Date:0711112014 48 W indsor W ay Guardian Transfer Corporation Disbursement Date:07/1 112 01 4 Camp Hili,PA 17011 4075 Market St,Camp HAI,PA 17011 East Pennsboro Township Phone:71709.4700 Fax 717-723.4585 Place of Settlement TitleExpress 4075 Market Street,Camp Hi f,PA 17011 Printed 07/10/2014 at 12:27 pm by AL :. Rl 100. Gross Amount Due from Borrower 400. Gross Amount Due to Seiler 101, Contract sales price 250,000.00 401. Contract sales price 250,000.00 102. Personal property 402. Personal property 103. Settlement charges to borrower(line 1400) :9,050.68 403. 104. 404. 105. 405. Adjustments for items paid by seller in advance Adjustments for Items paid by seller in advance 106. Cityllown taxes to 406. City/town taxes to 107. County taxes 07/11/2014 to 1213112014 45526 407. County taxes 07/1112014 to 12/31/2014 455.26 108. School taxes 07/11/2014 to 0613012015 2,899.47 408. School taxes 07/1112014 to 06/30/2015 2_,899.47 109. Sewer JIMS 07/1112014 to 09130/2014 123.00 409, Sewer J/A/S 07/1112014 to 0913012014 123.00 110. 410. 111. 411. 112. 412. 120. Gross Amount Due from Borrower 262,528A1 420. Gross Amount Due to Seller 253,477.73 200. Amounts Paid by or in Behalf of Borrower 500. Reductions In Amount Due to Seller 201. Deposit or earnest money 5,500.00 501. Excess deposit(see instructions) 202. Principal amount of new loan(s) 237,500.00 502 Settlement charges to seller(line 1400) 21,542.15 203. Existiloos taken subject to 503. Existing ice s taken subject to ' 204. 504. Payoff of first moSRUe loan 205. 505. Payoff of second mortgage loan 206. 506. 207. Seller Assistance 7.500.00 507. Se0erAssistance 7,500.00 208. 508. 209. 509. Adjustments for items unpaid by seller Adjustments for items unpaid by seller 210. Cityftovm taxes to 510. Cl y/town taxes to 211. County taxes to 511. County taxes to 212. School taxes to 512. Sc_hooltaxts to 213. 513. 214. 514. 215. 515. 216. 516. 217. 517. 218. 518. 219, 519. 720• Total Paid r Borrower 250,500.00 520. Total Reduction Amount Due Seller, 29,042.15 300. Cash at Settlement fromito Borrower 600. Cash at Settlementtolfrom Seller 301• Gross amount dire from borrower(line 120) 262,528.41 601, Gross anrount due to seller(line 420) 253,477.73 301 Less amounts paid by/for borrower(tine 220) 250,500.00 602. Less reductions in amount due seller(line 520) 29,042.15 303. Cash © From ❑To Borrower12 02841 603 Cash Q To From Seller 224,435.58 g o Msltxm,MlaxtAd�fayseamviLr�fAL 01[Btdlbd n,mLn.Ib avdlde�6ylcassmo4 Ues6absReb med.ta7•rr�aLOedB�loW��W�nbaRE6PAcermMUms�imMN MammWn EUInP1M , 6A@pnt9t po0su Previous editions are obsolete Page 1 of 4 HUD-1 700. Total Real Estate Broker Fees $14,650.00 Paid From Paid From Division of commission One700 as follows: Borrower's Seller's 701. $7,275.00 to ColdweliBanker HomesteadGroup Funds at Funds at 702, $7,575.00 to Coldwall BankerSelectProfessionals Settlement Settlement 703. Commission paid at settlement 300.00 14,550.00 800, Items Payable in Connection with Loan 801. Our origination charge (Includes Origination Point 0.000%or$0.00) $5,126.00 (from GFE#11) 802. Your creditor charge(points)for the specific interest rate chosen 53,163 from GFE r'2 803. Your adjusted origination charges (from GFE A) 1,962.50 804. Appraisal fee to Olde City Len'fii Solutions $425.00 P.O.C. (from GFE#3) 805. Credit report to Cody Financial FBO Credit Plus (from GFE#3) 59.29 806. Tax service to from GFE#3 807. Flood certification to from GFE#3 808. m 900, Items Required by Lender to be Paid in Advance 901. Daily interest charges from from 07/1112014 to 08/012014 Q$34.110N-ay (from GFE#10) 717.38 902 Mortgage insurance premium for months to . (from GFE#3) 9D3. Homeowners insurance for 1 years to State Farm $884.00 P.O.C, (from G E#11) 904. months to from GFE#11 1000.Reserves Deposited with Lender 1001.Initial deposit for your escrow account (from GFE#9) 834.51 1002.Homeowner's insurance 3 months Q$ 73.67/mkh $221.01 1003.Mortgage insurance months $ 0.00/m6nth $ 1004.Property taxes months Q$ 0.00/m6nth $ 1005.County taxes 6 months $ 79.59/m6nth $477.54 1006.School taxes 2 months $ 263.99/month $527.98 1007.Aggregate Adjustment $-39202 1100.Title Charges 1101.Title services and lender's title insurance $ from GFE#4 1,915.00 10.00 1102 Settlement or closing fee to $ 1103.Ownefs title insurance-First American Title Insurance Company : $ GFE#5 225.00 1104.Lender's title insurance-First American Title Insurance Company_ $1,590.00 j 1105.Lenders title policy fimit$237,500.00 Lender's Policy , 1106.Owner's title policy limit$250,000.00 Owner's Policy 1107.Agent's portion of the total title insurance premium $1,54275 to Guardian Transfer Corporation 1108.Underxrftefs portion of the total Otte insurance premium $27225 to First American Title Insurance Compoy 1109.100 No VicA100 to First American Title $50.00 Insurance Company 1110.300 Survey1300 to First Amedcan Title $50.00 Insurance Company 1111.900 EPL-Res18.1 to First American Tale $50.00 Insurance Company 1112.ClosfngSvcUACL to First American Tale $75.00 Insurance Company 1200.Government Recording and Transfer Char es 1201.Government recording charges $ : (from GFE#7) 16200 1202.Deed$67.00 Mortgage$95.00 Release$ 1203.Transfer taxes $ . (from GFE#8) 2,500.00 1204.City/Countytaxlstamps Deed$ 500.00 mdrtgawS 1205.StateTax/stamps Deed$Z500.00 M S 2.500.00 1206. Deed$ Wrtligge$ 1207. $- 1 1300.Additional Settlement Charges 1301.Required services that you can shop for (from GFE#6) 1302 Sewer Due J/AIS to East Pennsboro Consumer Office 138.00 1303.Sewer Cert Fee to East Per msbom Consumer Office 10.00 1304.Hone Warranty to First American Home Buyers Protection 365.00 1305.Radon System to Mike Sheely Home Inspections 00 1306.General Repairs to Hummel's Mechanical,Inc: 230.00 1307.Doors to Baker Door Compoy 388.00 1308.2014 School Taxes to Debbie Wpold 2,981.1 rr i r 9,05 .6821,542.15 'Paid outside of dosing by(B)orrower,(S)eller,(L)ender,(i)nvestor,Bro(K)er."Credit by tender 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 G and HUD-1 Charges i Good Faith Estimate HUD-1 Charges That Cannot Increase _ HUU-1 Line Number Our origirhalioncharge 1# 801 5,126.00 5,126.00 Your credit or charge(points)for the specific interest rate chosen 1# 802 3,163.50 -3,163.50 Your adjusted origination charges 4# 803 1,962.50 1,962.50 Transfer tam ;# 1203 2,500.00 2,500.00 . Charges That in Total Cannot Increase More Than 10% Good Faith Estimate HUD-1 Government recording diaries #1201 190.00 162.00 Appraisal fee ;#804 455.00 425.00 Credit report #805 50.00 59.29 Title services and lender's tide insurance 1# 1101 1,950.00 1,915.00 Owner's title insurance-First American Tile Insurance Company # 1103 60.00 225.00 i# i# 2,705.00 2,76629 $ 81.29 or 3.0052%. Charges That Can Chane Good Faith Estimate - HUD-1 Initial deposit for your escrow account ;#1001 3,978.04 834.51 Daily Interest charges from 4#901 $34.16101d 512.42 717.38 Homeowner's insurance #903 600.00 00 I# Loan Terms Your initial Than amount is !$237,500.00 Your loan term is 130.years Your initial interest rate is 52500% Your initial monthly amount owed for principal,interest,and any mortgage$1,311.48 includes insurance is j QX Principal QX Interest . _❑Mortgage Insurance Can your interest rate rise? r QX No. ❑Yes,it can rise to a maximum of %.The first change I will be on I J and can change again every years after J J Every change date,your Interest rate can increase or decrease by %.Over the fife of i the loan,your interest rate is guaranteed to never be lower than %or higher than %. Even if you make payments on lime,can your loan balance rise? []X No. ❑Yes,it can rise to a maximum of$ Even if you make payments on time,can your monthly amount owed for Q No. Q Yes,the first increase can be on ! / and the monthly principal,interest,and mortgage insurance dse? amount owed can rise to$ The maximum it can ever rise to is$ Doesur loan have a yo prepayment penes? I Q No. Q Yes,your maximum prepayment penalty's$ Does your loan have a balloon payment? ❑X No. ❑Yes,you have a balloon payment of S due In yearson J / Total monthly amount owed including escrow account payments ❑You do not have a monthly escrow payment for items,such as property taxes i and homeowner's insurance.You must pay these items directly yourself. Q You have an additional monthly escrow payment of$417.25 ' that Testas in a total initial monthly amount owed of$1,728.73.This incudes i principal,interest,airy mortgage insurance and any items checked below. QX Property taxes QX Homeownefsinsuranoe Q Flood insurance QX School taxes 1 ❑ ❑ 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 Signature Pag; 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 ail receipts and disbursements made on my account or by me in this transaction.I further certify that I have received a copy of the HUD-1 Settlement Statement. n ootlward Dania .Woodward Carol J.Starasinic Agent:Garrett X.Stara*dc Titre:Executor Settlement Agent The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transection.l have caused or win cause the funds to be disbursed in acroNance with this statement. SETT ENT A E DATE 7 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. Previous editions are obsolete Page 4 of 4 HUD-1 Name of Borrower. Name of Seller:: Fie Number John M.Woodward Carol J.Starashiic 14-1377GG Danielle E Woodward Prepared 07/10/2014 at 12:27 pm Note:This page displays an Itemization of the adjusted origination charges shown in section 800 of the HUD-1 Settlement Statemen This page accompanies but Is not a part of the HUD-1 Settlement Statement.If a discrepancy exists,the information on the HUD-1 Settlement Statement applies. Your Loan Origination Charges Borrower Seller 501. Our or4nation charge (Incudes Origination Point 0,000%or.$0.00) Origination Fee to Franidin American Mortgage Cor$ 775.00 Origination Fee to Cody Financial Mort4age Serviot$' 4,351.00 8.02. Your creditor charge(paints)for the specific interest rate chosen Credit Points to Franidin American Mortgage Cor$ -3,163.50 803. Your adjusted origination charges 1,962.50 0.00 . r Name of Borrower. Name of Seller' File Number. John M.Woodward Carol J.StamsWc 14.1377GC Danielle E Woodward Prepared 07/1012014 at 12:27 pm Note:This page displays an itemization of the charges shown on line 1101 of the HUD-1 Settlement Statement.This page accompanies but is not a part of the HUD-1 Settlement Statement.If a discrepancy exists,the information on the HUD-1 Settlement Statement applies. 1100.Trite Charges Total Charge Borrower Seller 1101.Title services and lender's title insurance to Wire In to Guardian Trarrsfer Co fion $ 15.00 15.00 Notary Fee-Purchasers to Guardian Transfer Corporation $ 35.00 35.00 Courier Fee-Purohase to Guardian Transfer C' rafion $ 15.00 15.00 Electronic Document Fee to Guardian Transfer Co tion $ 35.00 35.00 Tax Cert Reimbursement Fee to Guardian Transfer 6Waflon $ 10110 10.00 1102.Settlement or dosing fee to $ 0.00 1104.Lender's titre insurance-First American rtto First American T'rfle Insurance O$ 11590110 1,590.00 1109.100 No Voll100 to First American Title insurance Ct$ 50110 50.00 1110.300 Survey1300 _ to first American Title Insurance C<$ 50.00 50.00 1111.900 EPL-Res18.1 to First American Title insurance C<$ 50.00 50.00 1112.ClosingSvcLtACL to First American Title Insurance O$. 75110 75.00 Totals: $ 1,925.00 0.001 1,915.00 10.00 . SekylLender credits shown on page 1 POC.,Paid Outside Closirip CR=Lender Credit Previous editions are obsolete Page I of I HUD-1 i h} 444�+Alt''... rIh .da4y{L`sll�,� ;±IIlI.LLA�1t�•,.._. I�Mht}. fh h�•.a;1\�+ �:.'+Ma. •.+M1\.`.' r 1htiitt�l� j!A'OtHt•+nnj fq+'Gt titt �tt. ' - •/� .4 \lit '-�!I�'iy \y�}r r L•. tt rr.r.a 4 �s.rrtTi Ltr -�bn.•Kx t,-rr r.'��Lt r• F PHONE (860) 443-1735 0 N 13 4 4 ,• i _7 lir MESHE`r�coxr`y sd S .•s.. gal, 256 BOSTON POST ROAD s �I WATERFORD. CONN. 06385 Da .`A.{4 � t8 YS #gCttp` ' F s WE�H)AV THISDAYEXAMINED ANDA RATS THnEP, u J OVA �� J I Ti�1CCo&( �►9c'� 4 Jr `(} o I '\J/� t'p ,w'3 t:�• CI �rt.,i ,•� �1 n /J 1 ` �rvl I� C l`.� y,3��. •e } �i% fi 1r���� �1Ve�fcYnPJ ✓Ol�f4�S. (�foo •c on !• -i` OF �S1r9TC' or ev9A0) S N 5 c.w U r I �• j Ol ' .i'S, i HAVE DETERMINED ITS PRESENT �E.,TAIL VALUATION TO BE ES ONLY- FOR INSURANCE PURPOSE �c4 f .' ' Ido M EK F RS ANS• I 1 l r� € Per Aar> . �r .'g'hr' �A....•..• „�,Fj,4,�. .,.w �,.y{,a+..y�,+..eY «.-+w .;.,.,,.-,i' "•n-• [� }�tt*., %Lt,. .k�•`:+�\fG��i�"71 m att\�ll$�.4�4 ._I l�r;,�:..;. ..Ci$L�jrJfy/ V\4Y4f/7 _`ittt�;:il7r it'4'"Lk�ttr� d. �,�,, •'�f tel' ilv �Gu��. :tel=r�`.��/-- �� �. �,- "WL`}nv+''r�'.`� 4V'\tl�' V/ �\U'�"'LW"A,r!!J,` :�4�V4'�� �?" N71 ',lit' ,•�,2 U J.TEIGMAN M U N N'S diamond gallery JEWELRY APPRAISAL - FOR ESTATE PURPOSES- FAIR MARKET VALUE LISTING We estimate the value as listed for estate purposes only using fair market value guidelines. The following item has been carefully examined and verified as accurately as possible within the normal and reasonable gemological ranges without the use of gemstone removal or damaging tests.Carat weights are estimated by volumetric formula unless otherwise noted. Prepared For:The Estate of Carol Starasinic Item Description: One diamond engagement style ring consisting of(1)round diamond set in a 14k setting; Major Stone:(1)Round Brilliant Cut Diamond Measurements:4.4 x 4.4 x 2.3 mm. Carat Weight: *.28 ct. Color:G-H / Clarity:S12 Mounting: Mounting is 14k yellow gold,polished finish.Diamond is set in a white gold recessed four prong box style setting. Metal Weight: 1.5 dwt. Finger Size:6 Stamping: 14K GG Total Carat Weight: *.28 cttw. 1203 Market Street g Lemoyne, PA 17043 Fair Market Value of this Item..........................................$225.00 (two hundred twenty-five 00/100 dollars) (717)-761-8310 Fax(717)-761-8632 Brandi Cohick 1-877-DIAMOND Date of Appraisal: April 18,2014 Metal market price and appraised values based on D.O.D of April 8,2014.Gold$1,301.50/oz.(T) *Carat weights estimated by formula based on measurement,no stone removal. This is not an offer to purchase or replace articles. www munns.net MUNN'S diamondalter g Y 5 1203 A farket Street Fa Lemoy rie, PA 17093 4 (; 7)-7618310- { fax (7-17)-76-8632 E1-87 -DIAMOND 16 www.m-unns.net. MUNN'S diamond gallery WHAT YOU SHOULD KNOW ABOUT: ESTATE APPRAISAL S The enclosed appraisals are ESTATE APPRAISALS. Estate appraisals are formal evaluations that are used only when an estate is being settled and a fair market value determination is needed for tax purposes. Fair Market Value is a term that is reflective of an item's current condition and demand in a second-hand market, resulting in a value considerably lower than the item's purchase price. Fair Market Values differ from the more common Insurance Replacement Values which are used to insure and/or replace items with like kind and quality at an average retail price. *Estate appraisal values should not be used for insurance-replacement purposes.* The Federal Trade Commission defines Fair Market Value as; The price at which a jewelry item would change hands between a willing buyer 1203 Market Street and a willing seller,neither being under any compulsion to buy or sell Lemoyne,PA 1704.3 the item,and both.having reasonable knowledge of the relevant facts. Note that all jewelry appraisal determinations are limited to the extent that stone settings and mounting characteristics many times obstruct the access needed to.obtain exact carat weight estimations and quality (717)-761-8310 gradings. Fax(717)-761-8632 f 1-877-DIAMOND www.tnunns.net MUNN'S diamond gallery JEWELRY APPRAISAL -FOR ESTATE PURPOSES- FAIR MARKET VALUE LISTING We estimate the value as listed for estate purposes only using fair market value guidelines: The following item has been carefully examined and verified as accurately as possible within the normal and.reasonable gemological ranges without the use of gemstone removal or damaging tests.Carat weights are estimated by volumetric formula unless otherwise noted. Prepared For:The Estate of Carol Starasinic Item Description: One lady's gemstone and diamond fashion ring in 10k yellow gold; Magor Stone:(1)Oval Amethyst Gemstone Measurements: 14.11 x 9.96 x 6.90 mm. Carat Weight: *5:16 ct. Color:AA,Medium Purple / Clarity:S12 Minor Stones:(2)Round Diamonds(Single Cut) Measurements: 1.0mm diameter each Carat Weight: *.01 cttw. Color:H-1. / Clarity:SI1 Mounting: Mounting is I Ok yellow gold,polished finish. Major stone is set in a reinforced basket style setting. Minor stones are in prong style settings. Metal Weight:2.2 dwt 1203 Market Street Finger Size:.8 3/4 Lemoyne, PA 17043 Stamping: I OK A ; Total Carat Weight: *5.17 ettw. Fair Market Value of this Item..........................................$380.00 i {three hundred eighty 00/100 dollars) .l (717)-7617-78370 Fax(717)-761632 1-877.0 0/VD Brandi Cohick Date of Appraisal: Apri126,2014 i Metal market price and appraised values based on D.O.D of April 8,2014.Gold$1,30 .50%z(T) g *Carat weights estimated by formula based on measurement,no stone removal. T11 is is not an offer to purchase or replace articles. W www.munns net - ,. ` MUNNS diamond gallery 1 ' i t 1103 A farket Street � temp e, AA 17043 ! Y (717)-761-8310 fax(7 7)-767-8632 1 1-87 -DIAMOND 1 i �{l � 1 \ - www.munns.net MUNN'S diamond gallery WHAT YOU SHOULD KNOW ABOUT: ESTATE APPRAISALS The enclosed appraisals are ESTATE APPRAISALS. Estate appraisals are formal evaluations that are used only when an estate is being settled and a fair market value determination is needed for tax purposes. Fair.Market Value is a term that is reflective of an item's current condition and demand in a second-hand market, resulting in a value considerably lower than the item's purchase price. Fair Market Values differ from the more common Insurance Replacement Values which are used to insure and/or replace items with like kind and quality at an average retail price. *Estate appraisal values should not be used for insurance-replacement purposes.* The Federal Trade Commission,defines Fair Market Value as; The price at which a jewelry item would change hands between a willing buyer 1203 Market Street and a willing seller,neither being under any compulsion to buy or sell Lemoyne, PA 17043 the item, and both having reasonable knowledge of the relevant facts. Note that all jewelry appraisal determinations are limited to the extent , that stone settings and mounting characteristics many times obstruct the access needed to obtain exact carat weight estimations and quality (717) 76�a.--63 0 gradings. Fax(717)-76?�-8632 x 1 877 DIAMOND Y wwv!munns net y a • PSECO 07/21/2014 Laws, Staruch'&Pisarcik ATTM Mariann L. Stiely 20 Erf6rd Rd., Suite 105 Lemoyne PA 17043 Re: CAROL!STARASINIC;Deceased. PSECU Reference#0272407772736 To Whom It May Concern: The above referenced person has an account with PSECU which was opened on June 3,2010. The Share accounts were jointly held with Garrett Starasinic.The Personal Service loan was individually held. The following are the Date of Death Balances for CAROL J STARASINIC's account with PSECU: Account Date of Death Balances Interest—April 1 -8 Savings (S1) $ 5.00 $0.00 Checking (S4) $9,033.30 $0.00 Loans: Personal Service Loan (LI) $0.00 The account has been closed per Garrett Starasinic,Executor's request. If you have any questions,please contact our department toll-free at(800)237-7328,press 6, extension 3120 or email accountservicesg_psecu.com. Sincerely, Lisa Carl Member Service Representative PSECU P. O. BOX 67013 HARRISBURG, PA 1 7106-701 3 800.437.7358 >>psecu.com THIS CREDIT UNION IS FEDERALLY INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION.EQUAL OPPORTUNITY LENDER.