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HomeMy WebLinkAbout02-0983Register of Wills Cumberland County, Pennsylvania PETITION FOR GRANT OF LETTERS Estate of Regina M. Magel No. a~ 0~ -7 ~3 also known as. Deceased Social Security No. 119-20-3313 Petoionerlsl, who is/ere 18 yeeu of ps or dMr, sPWYlir! ta: (COMPLETE "A" OR "B" BELOW:) IX'L A. Probate and Grant of Letters and aver that Petitionerls) is/are the eN/A for named in the Last Wilt of the 'iii Decedent, dated April 27, 1999 and codicil(sf dated btste rslev~tt Gtamstwtces, s;., rsrertrisfsrq death of e:ewtor, etc. Except as follows, Decedent did not marry, was not divorced, and did not have a child born or adopted after execution of the documents offered for probate; was not the victim of a killing and was never adjudicated incompetent: f 'L B. Grant of Letters of Administration '.~i Ic.ta. d.Dr.c.t.s.: per.d.me lice; dursue ebrnue; durance rninoritatsl Petitioner(s) after a proper search has/have ascertained that Decedent left no Will and was survived by the following spouse l:f ~nv\ nnri hairc• Decedent, then 74 years of age, died September 27 , 20 02 , at Bridges at Bent Creek, Silver Spring Twsp., 1 en~~t Cumberland bounty, PA Decadent at death owned property with estimated values as follows: 100,000.00 (If domiciled in PA) All personal property .............................. S ilf not domiciled in PA) Personal property in Pennsylvania ...................... 5 (If not domiciled in PA) Personal property in County .......................... S Value of real estate in Pennsylvania ......... .................................. . . S Total ..............................................................S Real Estate situated as follows: Wherefore, Petitioner(s) respectfully request(s) the probate of the last will and Codicil(s) presented with this Petition and the grant of letters in the appropriate form to the undersigned: I -; Signature Typed or printed name and residence I Frank A. 111 West Winding Hill Road, Mechanicsburg, PA 17055 RYl-7 7_ ~1 ~- ~~ Decedent was domiciled at death in Cumberland County, Pennsylvania, with his/her last family or principal residence at 111 West Winding Hill Road Mechanicsburg Upper Allen Twsp.,Cumberland County, Pennsylvania tti.t attest, aumeer and rnunicipelitYt Oath of Personal Representative Commonwealth of Pennsylvania County Of Cumberland The Petitioner(s) above-named swearls) and affirm(s) that the statements in the foregoing Petition are true and correct to the best of.the knowledge and belief of Petitioner(s) and that, as personal representative(s) of the Decedent, Petitioner(s) will well and truly administer the estate according to law. Sworn to and affirmed and subscribed before me this 1st day of November 2002 ~'~ 2®xx ` ~~~IiIL,~ ~Z ~~= Frank A. Magel Donna M. Otto, 1st Dep DECREE OF REGISTER Estate of Regina M. Magel Deceased No 21-2002-983 also known as Social Security No: 119-20-3313 Date of Death: September 27, 2002 AND NOW, November 4th 20 02 . in consideration of the Petition on the reverse side hereon, satisfactory proof having been presented before me, IT IS DECREED that Letters L9 Testamentary ^ of Administration k.t.a.; G.b.n.e.t.; p~nUtmta IiU; au.nte abs.nw; Aumt~ minonewei are hereby granted to Frank A. Magel in the above estate and that the instrument(s), if any, dated April 27, 1999 described in the Petition be admitted to probate and filed of record as the last Will of Decedent. FEES ~i~ Letters ........................... S 2 0 0.0 0 -~~~~~...1t~ • ~~_.,2` /lam ~ --~ Register of Willa Donna M . O t~' o , 1st DEpu i Short Certificate(sl.j®.... 5 30.00 Renunciation .................. 5 Affidavit ( ) ................. S Extra Pages (18............ S 4 8 .0 0 Codicil ...:...................... S JCP Fee ........................ S 10.00 Attorney: Craig A. Hatch, Esquire Inventory & Tax Forms... 5 I.D. No: 76361 Other ............................ S Address: Gates, Halbruner & Hatch, P.C. 1013 Mumma Road, Suite 100, Lemoyne, PA 17043 TOTAL ................ 5 288 - ~~ Telephone: 717-731-9600 DATE FILED: November 1st, 2002 634t-7a MAILED LETTERS TO AT`T'ORNEY ON n?ovember 4th, 2002 I, d i11S IS ',: "_., tl. i :ilC' Ir (,_i17311,?;r ~itlz PVC:. Ic; ~Ct1 i'CC~yJ D~1~'Ci !" i 11: i{i ~, ,_i7;~1, ., - 1 (iCa t iStf ! h L 1 ~ti lr..:(i.' a TI r , T.~ [{) fil)c ~,alc, ~ ._;aF I.C. I:i 4 'S, c _ 7 , 'i'C~.C'{1 1. .~ u. _ _ ~r"V~~~~<~; ~1 as 4~~~g~ tia~ c~~~lica#e #~las cc~~+~ ~~ ;~y~b;~¢t~~~~# ~~ , ~~; °, . p 8606854 -- -. r ~''.r.:e' COMMONWEALTH OF PENNSYLVANIA • DEPARTMENT OF HEALTH • VITAL RECORDS CERTIFICATE OF DEATH ~, r.. VnIN I I _ STATE Fn E ~IIMBER r A F lF JECEOENT ~ sr Mrou e. ~_avl ---- -- „_ ,__ _ "Ma NL'rl SE% SGCIAL SECURITY NUMBER UArE OF LEAt H! I •.ar "'r^'"' ~ Regina M. Ma el _ _ Female ° 119 - 20 - 3313 .-September 27, 2002 AGE IS l~nfJ 1 UNDERrYEAR UNDERIDAY DATE OF BIRTH BIRIHPIACk City entl PLACE OF DEATHIfneck cMyn e~ sue nn:la5r>n gf!er+Jel -'- ---- Monbs 0D r •MOnm. Da.~ear .ilam.~r rcegn l.ar~nyl rw aYa fWura Minutes Y I - --- --._ I , HOSPITAL: OTHER: - -- -- -- -~-- ----- -- - 74" , 10~22~1927 ,Bronx, NY ~ anent ^ Ew0°Ipanenr ^ DOA ^ „a`n;° ® Reednc. ~_~ any`. I C.i s ; • COUNTY Of DEATH CITY. BORO, TWP OF DEATH FACILfTY NAME III nul vut a.l~on. give sweat antl n~rnceri WA$rr DgqECEDENT Of HISPANIC ORIGIN? RACE -Amerrcur Inoran, Black, Wnns me No 101 Iles ^ II YM. specrN CuEan, ISpnc;Nl ,,. C~nberland kSilVer Spring ,,. Bridges At Bent Creek M°""'" P°°"°R'°'"•a° ,°_ White 9. I __ DECEDENT'S USUAL OCCUPATION KIND OF BUSINESSlINDUSTRV WAS DECEDENT EVER IN DECEDENT'S EDUCATION MARNAL STATUS-MarrwO SURVIVING SPOUSE IGva krntldworkoone dxinnqq near US. ARMEDFORCES? IS°ecMonlMnesl ee Nsvs+MUrise, WlAOW1e, ~II.Ae. _yvamawennamnl I of wwunq Irte: Ao nol use ra(raE) Yes ^ ~ IZT Elsmam rylSaconOUy c CoNage DrvorcaC ($ptciNl • rr.. HCYt1P1T1akeT' nn. Own Home rz. lU r,. 1~1_12j o<ors.l ~a W1dOWed re. DECEDENT'S MAILING ADDRESS ($Ireel. CrtyR n. Stan lq COnel DECEDENT'S PE.nns 1Vanla ~$ 111 West Winding Hill Rd RE$DENCE t]•.sral.___y ~~ ']C.I~]yea.UKeGerAVveain Upper Allen _ ~ Mechanicsburg, PA 17055 I~'°`~"~~"~` "Y'"' un mer si°el bwnahip7 No, esca°ers WeE 1°~ rm. canon--.L3.1¢Iberlanri r]e.^ wpnkr ecrwrnmA,a _ _ _ FATHER'S NAME (Fast. Mi°ae. Lase ]~.. ~~ ~~ ,s, Arthur Ee IJQVis INFORMANT'S NAME (iype;Prinr) ,a. Frank A. Magel METHOD OF DISPOSITION ~~_11 DATE OF DISPOSITION Burrsr® Crematan LJ Removal from $lare^ IMOnlrl, Day, Yanr) Dnn.rnn[~ Ornar,BpecJyL ^ ,,, October 4 2002 xr.. SIGNAT OF VNERA 1jE L~GEysEE OR PERSON ACTING AS SUCH LICENSE NUMBER X/--~---_. zm n ~ A o o n r 11 West Winding Hill Road PA 1 L rills c:e-neterv Iz,r,Mechanicsburg, PA NE AND ADDRESS OF FACILrTV Complet ems2 con wMn unlM ToIM Wr0l my kno letlge, eeattr occurreA ar llre Uma, Jale antl place staloA. LICENSE NUMBER pMsrci .s nol a arlaEW al Uma of M 1° cemtycauMOf Waln (SrVrralure an(I Tille) n ~i n , GATE SIGNED (MUnVr. Vey. Vewl _ sae. »~ I - ~ I F-N 3~ I7~ -L zae '.~i.'~f. :~ ~r JG,C,.>- ]x ~ ~ hems 2µn8 muarW comp~bleO Oy parson nn n.nrv nraa rn ; TIME OF DEATH GATE PRONOUNCED DEAD IMOnIn. Day, yeah . WAS CASE REFERRED TO MEDICAL E%AMINERIC . ORONEPT • I z. ~=vSP ~ec aoo~ ~t~ ~-7 - Y..^ Na~,~ ]]. PARTL Enlerlna°iseasax imreiwsor r~r„~w v~,... M Wn:.n.....w~r.e~.,..r.rs..,._.•..._ zs. . - l r ...___._`~....__..._•____., _-_ ~ ~„ r ill . rj ~. ~. t' ;:jl `l 1 ,. ., I \I J J LAST WILL AND TESTAMENT OF REGINA M. MAGEL I, REGINA M. MAGEL, now of 111 West Winding Hill Road, Mechanicsburg, Cumberland County, Pennsylvania 17055, do publish and declare this to be my Last Will and Testament, hereby revoking all other prior wills and codicils made by me. FIRST: Family Background and Appointment of Executor. (A) Family and Background Information. I am married to FRANK M. MAGEL. Our children are FRANK A. MAGEL and CHRISTINE L. CZARNECKI. Throughout this Will, FRANK M. MAGEL will be referred to as "my husband" or "my spouse", and FRANK A. MAGEL and CHRISTINE L. CZARNECKI will be referred to as "our children". The word "issue" will include our children as well as our other descendants. (B) Appointment of Executor. I appoint as my Executor and successor Executor (all hereinafter referred to as Executrix, Executor or Executors under this Will), the following named persons or corporations to serve without bond and without being required to account to any Court: Executor: My son, FRANK A. MAGEL. Successor Executrix: My daughter, CHRISTINE L.CZARNECKI. SECOND: Funeral and Last Illness Expenses; Taxes. (A) Expenses of Funeral and Last Illness. Notwithstanding that my spouse survives me, I direct my Executor to pay my funeral expenses and the expenses of my last illness from my estate. (B) Taxes. I direct my Executor to pay any and all estate, inheritance, transfer and other death taxes or duties, by whatever name called, including any and all interest and penalties thereon, imposed under the laws of any jurisdiction by reason of my death, upon or with respect to any and all property included in my gross estate for the purpose of such taxes, whether such .~' i-~'t~yr~ LAST WILL AND TESTAMENT OF REGINA M. MAGEL Page 2 property passes under or outside of this Will. Without any apportionment otherwise required by law and without being prorated or apportioned among or charged against the respective devises, legatees, beneficiaries, transferees, or other recipients of any such property or charged against any property passing or which may have passed to any of them, I direct that any taxes so paid shall be charged as follows: (1) If my spouse, FRANK M. MAGEL, survives me, I direct that any taxes so paid shall be charged entirely against that portion of my residuary estate, if any, which passes under the provisions of Subparagraph I of Paragraph A of Article FIFTH (By-Pass trust) of this my Will, or to the extent, if any, that said portion is insufficient, then against that portion of my residuary estate, if any, which passes under the provisions of Subparagraph 2 of Paragraph A of Article FIFTH (Marital Deduction gift) of this my Will; or, (2) If my spouse, FRANK M. MAGEL, does not survive me, I direct that any taxes so paid shall be charged entirely against my residuary estate which passes under Subparagraph B(2) (or to the extent, if any, that Subparagraph B(2) is insufficient, then against that portion of my residuary estate, if any, which passes under Subparagraph (B)(1) or C of Article FIFTH, whichever applies. My Executor shall not be entitled to reimbursement for any portion of any such taxes from any such person. The foregoing provisions of this Article SECOND shall not apply to the following: (1) The amount, if any, by which taxes, interest and penalties thereon shall be increased as a result of the inclusion in my gross estate of property (a) in which I may have a qualifying income interest for life, under Section 2044 of the Internal Revenue Code of 1986 (herein, "IRC") (or the corresponding provisions of any subsequent federal tax laws) or corresponding provisions of state law, or (b) over which I may have a general power of appointment under IRC Section 2041 (or the corresponding provisions of any subsequent federal tax laws) or corresponding provisions of state law, or (c) over which I may have retained an interest as defined in IRC Section 2036 (or the corresponding provisions of any subsequent federal tax laws) or corresponding provisions of state law, and any taxes, r ~ry2~~1 i''~-~ ~t~1" LAST WILL AND TESTAMENT OF REGINA M. MAGEL Page 3 interest and penalties on said incremental amount shall either be paid from said property directly or shall be recovered by my Executor from the person holding or receiving said property as provided in IRC Sections 2207, 2207A, or 2207B (or the corresponding provisions of any subsequent federal tax laws); (2) A generation skipping tax imposed by IRC Chapter 13 or the additional estate tax imposed by IRC Section 2032A(c) (or corresponding provisions of federal or state law applicable to my estate and imposing said taxes), and any and all interest and penalties on said Chapter 13 and IRC Section 2032A(c) and comparable state taxes; and (3) Such portion or portions of said taxes, interest and penalties which may be required to be paid by the Trustee of the Trusts described below, in Articles SEVENTH and EIGHTH. THIRD: Tangible Personal Property. Except for those items excluded below and those items enumerated in the Letter of Instruction, I bequeath to my spouse, FRANK M. MAGEL, all tangible personal property, including but not limited to clothing, jewelry, heirlooms, furniture, household furnishings, personal effects, motor vehicles, and all other similar articles, which I own, and the insurance thereon, if my spouse survives me by sixty (60) days. Tangible personal property shall not include: (1) any and all property used by me in any business, (2) cash on hand or on deposit in banks, (3) stock or securities, (4) any type of evidence of indebtedness, and (5) any life, health or accident insurance policies. If my spouse does not survive me by sixty (60) days, I bequeath such tangible personal property to our children, if they are living on the sixty-first (61st) day after my death. If my spouse and our children do not survive me by sixty (60) days, I leave such tangible personal property to our issue, per stirpes. If there is any disagreement as to distribution, I direct my Executor to make such distribution. The decision of my Executor shall be final and binding. Any items not selected or any items which my Executor considers unsuitable for my issue may be distributed or sold in the sole discretion of my Executor and if sold, the net proceeds therefrom shall be added to the residue of my estate. Any such article allocated to a minor may, as my Executor deems advisable, either be delivered to the minor or to any person to safeguard on behalf of the minor. 'r /~y72 aYZ- -- ~~~ 6~u- LAST WILL AND TESTAMENT OF REGINA M. MAGEL Page 4 Notwithstanding any other provisions in this Article THIRD, I may leave a separate, dated and unsigned Letter of Instruction, which I shall place with my Will, containing directions as to the ultimate disposition of certain of the property bequeathed under this Article THIRD, and such Letter of Instruction shall determine the distribution of such items. FOURTH: (THIS ARTICLE HAS BEEN INTENTIONALLY LEFT BLANK.) FIFTH: By-Pass and Marital Deduction Gifts. (A) If my spouse, FRANK M. MAGEL, survives me, I give, devise and bequeath all the rest, residue and remainder of my estate, of every kind and character, real, personal and mixed, tangible and intangible, and wherever situated, including any lapsed or renounced legacies, devises or residuary bequests, as follows: (1) By-Pass Amount. (a) I give, devise and bequeath to my Trustee, hereinafter named, a fraction of my residuary estate which shall be determined as follows: The numerator of the fraction shall be the largest amount that can pass free of any federal estate tax (i) as a result of the allowance of the Unified Credit under IRC Section 2010, (or the corresponding provisions of any subsequent federal tax law) and the State Death Tax Credit under IRC Section 2011, (or the corresponding provisions of any subsequent federal tax law) but only to the extent that the use of the State Death Tax Credit does not incur or increase any state death taxes otherwise payable by my estate, and (ii) after taking into account the value of any and all bequests or transfers which do not qualify for the marital or charitable deduction, and (iii) after giving effect to all charges against principal that are not allowed as deductions in computing my federal estate tax, and (iv) after giving effect to all administration and other expenses claimed on the estate tax return, and (v) after taking into account any prior adjusted taxable gifts; and The denominator of which shall be the value of my residuary estate as finally determined for federal estate tax purposes. (b) If any gift, bequest, or devise, whether or not out of the residue of my .~ ., j ~Z 1-y'~, --~~ ~- LAST WILL AND TESTAMENT OF REGINA M. MAGEL Page 5 estate, is renounced, then the renounced gift, bequest or devise shall be added to this Trust, even though an amount in excess of the By-Pass amount is transferred into this Trust. (c) My Trustee shall hold the property given to my Trustee by this Subparagraph 1, in Trust, such Trust to be known as and herein referred to as the "REGINA M. MAGEL BY-PASS TRUST," to and for the purposes described below. (2) Marital Deduction. I give, devise and bequeath the balance, if any, of my residuary estate to my spouse, FRANK M. MAGEL. (B) If my spouse, FRANK M. MAGEL, does not survive me, I give, devise and bequeath all the rest, residue and remainder of my estate, of every kind and character, real, personal and mixed, tangible and intangible, and wherever situated, including any lapsed or renounced legacies, devises or residuary bequests (but excluding any property over which I may have a Power of Appointment), to our children, FRANK A. MAGEL and CHRISTINE L. CZARNECKI, in the following shares and amounts: (1) I give the amount of FIFTY FIVE THOUSAND DOLLARS ($55,000.00) to my son, FRANK A. MAGEL. (2) Any real estate that I own or otherwise have an interest in at my death shall be held, IN TRUST, for the lifetime benefit and enjoyment of my son, FRANK A. MAGEL, provided that he shall be responsible for taxes, fees, insurance and other costs, fees or expenses of using or benefitting from such real estate, until such time as he moves, rents, dies, or subdivides the real estate. If and in the event that he moves, rents, dies, or subdivides the real estate, the net proceeds from the subsequent rent, sale, subdivision or other use of the real estate shall be divided equally between FRANK A. MAGEL and CHRISTINE L. CZARNECKI. (3) The remaining balance shall be distributed, in equal shares, to FRANK A. MAGEL and CHRISTINE L. CZARNECKI, per capita. If and in the event that both of my children should predecease this distribution, then this distribution shall ~-r z 1-n~ -1~~- LAST WILL AND TESTAMENT OF REGINA M. MAGEL Page 6 be made to the issue of my children, in equal shares, per stirpes. (C) Distributions during Administration. Prior to final distribution of my estate, the Executor, in his discretion, may make partial distributions to one or more beneficiaries or Trusts. As a consequence, the Executorship and any Trusts created under this Will may exist contemporaneously. A distribution may be made subject to any indebtedness or liability of my estate. SIXTH: (THIS ARTICLE HAS BEEN INTENTIONALLY LEFT BLANK.) SEVENTH: Regina M. Magel By-Pass Trust. (A) The gift to the Trustee of the REGINA M. MAGEL BY-PASS TRUST shall constitute the Trust Estate of a Trust for the primary benefit of my spouse and my children. (B) Distributions During my Spouse's Lifetime. The Trustee shall distribute to, or for the benefit of, my spouse, FRANK M. MAGEL, for and during my spouse's lifetime, all of the net income from this Trust, in such periodic installments as the Trustee and my spouse shall agree. The Trustee shall pay to, or for the benefit of, my spouse, at any time or times and from time to time, such sums from or any part or all of the principal as my Trustee may, in its sole discretion, determine to be reasonably necessary for my spouse's health, education, support, and maintenance, and the expenses of any illness or accident which may affect my spouse. (C) Broad Special Power of Appointment. My spouse, FRANK M. MAGEL, is hereby granted the special power to appoint, at any time and from time to time, the principal of this Trust in whole or in part and in any manner and in such proportions as he deems advisable to whomever he desires. This power shall not be exercisable under his Will. This special power of appointment does not grant to my spouse the power to appoint the principal of this Trust to himself, his estate, his creditors or the creditors of his estate, nor to appoint the principal of this Trust for the health, education, support, or maintenance of any of my issue whom I or my spouse is legally obligated to support or maintain. If my spouse fails, either in whole or in part, to exercise this special power of appointment herein granted, the unappointed principal shall continue in trust and shall be administered according to the terms of this Trust. ~- i"1"i vr1 .- LAST WILL AND TESTAMENT OF REGINA M. MAGEL Page 7 (D) Limited General Power of Appointment. My spouse, FRANK M. MAGEL, is hereby granted the general power to appoint a maximum amount of the principal of this Trust to himself, his estate or any other individual, in such proportions and upon such terms (in trust, outright gifts or in any other manner), as he deems advisable. The maximum amount which my spouse may appoint under this paragraph, per calendar year, shall be the greater of $5,000 or five (5%) percent of the entire principal of this Trust. At the end of each calendar year, his right to appoint the maximum amount shall lapse, if not exercised, and the unused maximum amount shall not accumulate. This power shall not be exercisable under his Will. If my spouse fails, either in whole or in part, to exercise this general power of appointment herein granted, the unappointed principal shall continue in trust and shall be administered according to the terms of this Trust. (E) Subsequent Distributions. Upon the death of my spouse, this Trust shall terminate. Upon termination, the remaining trust estate shall be distributed to our children, FRANK A. MAGEL and CHRISTINE L. CZARNECKI, in the following shares and amounts: (1) Any real estate that I own or otherwise have an interest in at my death shall be held, IN TRUST, for the lifetime benefit and enjoyment of my son, FRANK A. MAGEL, provided that he shall be responsible for taxes, fees, insurance and other costs, fees or expenses of using or benefitting from such real estate, until such time as he moves, rents, dies, or subdivides the real estate. If and in the event that he moves, rents, dies, or subdivides the real estate, the net proceeds from the subsequent rent, sale, subdivision or other use of the real estate shall be divided equally between FRANK A. MAGEL and CHRISTINE L. CZARNECKI. (2) The remaining balance shall be distributed, in equal shares, to FRANK A. MAGEL and CHRISTINE L. CZARNECKI, per capita. If and in the event that both of my children should predecease this distribution, then this distribution shall be made to the issue of my children, in equal shares, per stirpes. (F) Distributions during Administration. Prior to final distribution of my estate, the Executor, in his discretion, may make partial distributions to one or more beneficiaries or Trusts. As a consequence, the Executorship and any Trusts created under this Will may exist contemporaneously. A distribution may be made subject to any indebtedness or liability of my -~ .~ ~~ ~- LAST WILL AND TESTAMENT OF REGINA M. MAGEL Page g estate. EIGHTH: (THIS ARTICLE HAS BEEN INTENTIONALLY LEFT BLANK.) NINTH: Appointment of Trustee and Successor Trustees. (A) Nomination. I nominate, constitute and appoint FRANK A. MAGEL, to act as Trustee of all Trusts created by my Will. (B) Compensation. The Trustee shall receive as its compensation for the services performed hereunder that sum of money, based on an hourly charge or percentage rate, which the Trustee normally and customarily charges for performing similar services during the time which it performs these services. (C) Removal of Trustee. A majority of the current beneficiaries may remove the Trustee, at any time or times, with or without cause, upon thirty (30) days' written notice given to the Trustee. Upon the removal of the Trustee, a successor Trustee shall be appointed in accordance with the terms set forth in Paragraph NINTH(D). (D) Appointment of Successor Trustee. The Trustee may resign at any time upon thirty (30) days' written notice given to the current beneficiary or beneficiaries (including a beneficiary's natural or legal guardian or legal representative), hereunder. Upon the death, resignation, removal or incapacity of the Trustee, a successor trustee may be appointed by a majority of the current beneficiaries. Any successor trustee shall be a financially sound and competent corporate trustee or my issue. Any successor trustee thus appointed, or, if the Trustee shall merge with or be consolidated with another corporate fiduciary, then such corporate fiduciary, shall succeed to all the duties and to all the powers, including discretionary powers, herein granted to the Trustee. TENTH: (THIS ARTICLE HAS BEEN INTENTIONALLY LEFT BLANK.) ELEVENTH: Powers of Trustee and Executor. In addition to the powers and duties as may have been granted elsewhere in this Will, but subject to any limitations stated elsewhere in ,~ ~~r ,., y, LAST WILL AND TESTAMENT OF REGINA M. MAGEL Page 9 this Will, the Executor and Trustee shall have and exercise exclusive management and control of the Estate or Trusts, respectively, and shall be vested with the following specific powers and discretion, in addition to the powers as may be generally conferred from time to time upon them by law: (A) In the management, care and disposition of the Trusts or Estate, the Trustee and Executor, respectively, shall have the power to do all things and to execute such instruments, deeds, or other documents as may be deemed necessary or proper, including the following powers, all of which may be exercised without order of or report to any Court: (1) To sell, exchange or otherwise dispose of any property at any time held or acquired hereunder, at public or private sale, for cash or on terms, without advertisement, including the right to lease for any term notwithstanding the period of the Trust, and to grant options, including any option for a period beyond the duration of the Trust; except that, in lieu of any binding shareholder agreement or buy/sell agreement to the contrary, the Executor and Trustee shall not be permitted to sell the stock or any other ownership interest in any business owned by me, or my spouse, or held in trust, at my death, without first offering the same for sale to my children, or without next offering the same to the corporation or business represented by such ownership interest for redemption. (2) To invest all monies in such stocks, bonds, securities, mortgages, notes, chows in action, real estate or improvements thereon, and any other property as the Trustee or Executor may deem best, without regard to any law now or hereafter enforced limiting investments of fiduciaries, except that the Trustee or Executor may not invest in any securities issued by the corporate Trustee or Executor, or issued by a parent or affiliate company of such Trustee or Executor. (3) To retain for investment any property deposited with the Trustee or Executor hereunder; except that the Trustee or Executor may not retain for investment any stock in the corporate Trustee or Executor, or in a parent or affiliate company of such Trustee or Executor. (4) To vote in person or by proxy any corporate stock or other security and to ,~; ? /L, 19Z.Y~'~ LAST WILL AND TESTAMENT OF REGINA M. MAGEL Page 10 agree to or take any other action in regard to any reorganization, merger, consolidation, liquidation, bankruptcy or other procedure or proceedings affecting any stock, bond, note or other security. (5) To use attorneys, real estate brokers, accountants and other agents, if such employment is deemed necessary or desirable, and to pay reasonable compensation for their services. (6) To compromise, settle or adjust any claim or demand by or against the Trusts or Estate and to agree to any rescission or modification of any contract or agreement affecting the Trusts or Estate. (7) To renew any indebtedness, as well as to borrow money, and to secure the same by mortgaging, pledging or conveying any property of the Trusts or Estate, including the power to borrow from the Trustee at a reasonable rate of interest. (8) To retain and carry on any business in which the Trusts or Estate may acquire an interest, to acquire additional interest in any such business, to agree to the liquidation in kind of any corporation in which the Trusts or Estate may have an interest and to carry on the business thereof, to join with other owners in adopting any form of management for any business or property in which the Trusts or Estate may have an interest, to become or remain a partner, general or limited, in regard to any such business or property and to hold the stock or other securities as an investment, and to employ agents and confer on them authority to manage and operate the business, property or corporation, without liability for the acts of such agent or for any loss, liability or indebtedness of such business if the management is selected or retained with reasonable care. (9) To register any stock, bond or other security in the name of a nominee, without the addition of words indicating that such security is held in a fiduciary capacity, but accurate records shall be maintained showing that such security is a Trust or Estate asset and the Trustee or Executor shall be responsible for the acts of such nominee. (B) Whenever the Trustee or Executor is directed to distribute any Trust principal or ~'1Ll ~jL; -~~~'~- LAST WILL AND TESTAMENT OF REGINA M. MAGEL Page 11 Estate assets in fee simple to a person who is then under twenty-five (2S) years of age, the Trustee or Executor shall be authorized to hold such property in Trust for such person until he/she becomes twenty-five (2S) years of age, and in the meantime shall use such part of the income and the principal of the Trusts or Estate as the Trustee or Executor, respectively, may deem necessary to provide for the proper support and education of such person. If such person should die before becoming twenty-five (2S) years of age, the property then remaining in trust shall be distributed to the personal representative of such person's estate. (C) In making distributions from the Trusts or Estate to or for the benefit of any minor or other person under a legal disability, the Trustee or Executor need not require the appointment of a guardian, but shall be authorized to pay or deliver the same to the custodian of such person, to pay or deliver the same to such person without the intervention of a guardian, to pay or deliver the same to a legal guardian of such person if one has already been appointed, or to use the same for the benefit of such person. (D) In the disbursement of the Trusts or Estate and any division into separate trusts or shares, the Trustee or Executor shall be authorized to make the distribution and division in money or in kind, or both, regardless of the basis for income tax purposes of any property distributed or divided in kind, and the distribution and division made and the values established by the Trustee or Executor shall be binding and conclusive on all persons taking hereunder. The Trustee or Executor may in making such distribution or division allot undivided interests in the same property to several trusts or shares. (E) The Trustee and Executor shall be authorized to lend or borrow, including the right to lend to or borrow from any trusts which I may have established during life or by will at an adequate rate of interest and with adequate security, and upon such terms and conditions as the Trustee or Executor shall deem fair and equitable. (F) The Trustee and Executor shall be authorized to sell or purchase at the fair market value as determined by the Trustee or Executor, any property to or from my estate, the estate of my spouse, or any trust created by me or my spouse during life or by Will, even though the same person or corporation may be acting as Executor of my estate or the estate of my spouse or as Trustee of any of my other trusts. ~,, LAST WILL AND TESTAMENT OF REGINA M. MAGEL Page 12 (G) The Trustee and Executor shall have discretion to determine whether items should be charged or credited to income or principal or allocated between income and principal as the Trustee or Executor may deem equitable and fair under all the circumstances, including the power to amortize or fail to amortize any part or all of any premium or discount, to treat any part or all of the profit resulting from the maturity or sale of any asset, whether purchased at a premium or at a discount, as income or principal or apportion the same between income and principal, to apportion the sales price of any asset between income and principal, to treat any dividend or other distribution of any investment as income or principal, or apportion the same between income and principal, to charge any expense against income or principal or apportion the same, and to provide or fail to provide a reasonable reserve against depreciation or obsolescence on any assets subject to depreciation or obsolescence, all as the Trustee and Executor may reasonably deem equitable and just under all the circumstances. (H) If at any time the total fair market value of the assets of any trust established or to be established hereunder is so small that the corporate Trustee's annual fee for administering the trust would be the minimum annual fee set forth in the Trustee's regularly published fee schedule then, in effect, the Trustee in its discretion shall be authorized to terminate such trust or to decide not to establish such trust, and in such event the property then held in or to be distributed to such trust shall be distributed to the persons who are then or would be entitled to the income of such trust. If the amount of income to be received by such persons is to be determined in the discretion of the Trustee, then the Trustee shall distribute the property among such of the persons to whom the Trustee is authorized to distribute income, and in such proportions, as the Trustee in its discretion shall determine. (I) When the authority and power under this Will are vested in two (2) or more Executors or Trustees, the authority and powers are to be held jointly or individually by the Executors or Trustees, respectively. (J) The Trustees shall be subject to the Uniform Prudent Investor Act (the "UPIA") as if the UPIA had been enacted in the Commonwealth of Pennsylvania in the form promulgated by the Commission on the Uniform State Laws in its exercise if any power to manage and invest the assets of the trust. The Testatrix desires that the Executor and Trustees, consistent with the standards of the UPIA, continuously assess the appropriate investment risk tolerance of the trust /,~7 /L_ fYi,~n2~ LAST WILL AND TESTAMENT OF REGINA M. MAGEL Page 13 beneficiaries, and then invest the trust assets seeking the maximum total return at that level of risk. The Testatrix believes, consistent with modern portfolio theory, that the estate and trust total investment return will be determined primarily by the trust's asset allocation; not market timing or active management in security selection. The Testatrix believes that the estate and trust should diversify its investments with regard to assets classes and individual securities to avoid uncompensated risk. The Testatrix does not intend to prohibit the Executor or Trustees from engaging in active management of estate or trust assets where the Executor or Trustees reasonably believe active management can aid in achieving the desired balance between risk and return. The Testatrix directs that any Executor or Trustee, in managing and investing the assets of the trust estate, establish, in writing, an appropriate investment policy statement. The investment policy statement shall be reviewed and updated at least annually. The Executor and Trustees may retain professional investment counsel of the Executor's and Trustees' choice; provided, however, a counsel so selected shall be either registered as an investment adviser with the U. S. Securities and Exchange Commission or a state chartered or national bank with fiduciary powers. If investment counsel is retained, the Executor and Trustees shall abide by the counsel's decision but shall not be held liable or otherwise surcharged for losses directly attributable to investments made on the investment counsel's advise. While the Executor or Trustees retain investment counsel, the Executor and Trustees shall not be required to review trust investments or take action on trust investments unless the Trustees receive written instructions from investment counsel. The Executor and Trustees shall have the power exercisable in their discretion to discharge such investment counsel and to employ other counsel or to administer the trust without such counsel. Consistent with the standards of the UPIA, the Executor and Trustees shall have the responsibility to prudently select any investment counsel, to periodically review the performance of any investment counsel and to take appropriate action if apprised of facts clearly indicating that counsel is not performing competently. The Executors and Trustees shall not be liable to any beneficiary or to any heir for the Executor's or Trustees' acts or failure to act, except for willful misconduct or gross negligence, in /t- i j~,yY~,. LAST WILL AND TESTAMENT OF REGINA M. MAGEL Page 14 directing the investments of the trust. TWELFTH: Rights and Liabilities of Executor and Trustee. (A) No bond or other security shall be required of any Executor. (B) This instrument always shall be construed in favor of the validity of any act or omission by any Executor or Trustee, and any Executor or Trustee shall not be liable for any act or omission except in the case of gross negligence, bad faith or fraud. Specifically, in assessing the propriety of any investment, the overall performance of the entire trust shall be taken into account. (C) The Executor shall be entitled to receive reasonable compensation for services actually rendered to my estate, in an amount the Executor normally and customarily charges for performing similar services during the time which he performs the services. THIRTEENTH: Tax Elections. (A) General Elections. In determining the estate, inheritance and income tax liability relating to my Estate, the Executor's decision as to all available tax elections shall be conclusive on all concerned. If the Executor joins with my spouse in filing income tax returns, or consenting for gift tax purposes to having gifts made by either of us during my life considered as having been made one-half by each of us, any resulting liability shall be borne by my Estate and my spouse in such proportions as they may agree. In accordance with IRC Section 2632(a) and without regard to whether a Federal estate tax return is actually filed, my Executor shall allocate so much of the Federal Generation Skipping Transfer (GST) exemption amount as will fully exempt any generation skipping transfer which may occur under this Will. (B) Valuation. The Executor may, in its discretion, determine the date as of which my gross estate shall be valued for the purpose of determining the applicable tax payable by reason of my death. (C) Deductions. The Executor may, in its discretion, decide whether all or any part of ~' i~ rn-m. --~~Jya ~- LAST WILL AND TESTAMENT OF REGINA M. MAGEL Page 15 certain deductions shall be taken as income tax deductions (even though they may equal or exceed the taxable income of my estate and whether or not claimed or of benefit on my estate's income tax return) or as estate tax deductions when a choice is available; and in the event that all or any part of such deductions are taken as income tax deductions, no adjustment of income and principal accounts in my estate shall be made as a result of such decisions. FOURTEENTH: Definitions and General Provisions. (A) Survival. Any beneficiary, including my spouse, who dies within sixty (60) days after my death shall be considered not to have survived me. (B) Trust Estate. "Trust Estate" means all assets, however and wherever acquired, including income, which may belong to a Trust at any given time. (C) Children. Except for discretionary distributions which may be made unequally among a group of persons and distributions pursuant to a valid exercise of a Power of Appointment, in making a distribution to the children of any person, the property to be distributed shall be divided into as many shares as there are living children of the person and deceased children of the person who left children who are then-living. Each living child shall take one share and the share of each deceased child shall be divided among his then-living descendants in the same manner. A posthumous child shall be considered as living at the death of his parent. (D) Code. Unless otherwise stated, all references in my Will to section and chapter numbers are to those of the Internal Revenue Code of 1986, as amended, or the corresponding provisions of any subsequent federal tax laws applicable to my estate. (E) Other terms. The use of any gender includes the other genders, and the use of either the singular or the plural includes the other. (F) Captions. The captions set forth in this Will at the beginning of the various divisions hereof are for convenience of reference only and shall not be deemed to define or limit the provisions hereof or to affect in any way their construction and application. ~~ ~i y~2'Y/v LAST WILL AND TESTAMENT OF REGINA M. MAGEL Page 16 (G) Powers of Appointment. If I predecease my spouse, then by this Will I fully exercise the General Power of Appointment reserved to me in Paragraphs 4.02 and 10.02(B) of THE MAGEL FAMILY REVOCABLE TRUST dated Apri127, 1999. In so doing, I hereby appoint the entire principal and accrued income of said trust to my estate to be held, administered and distributed in accordance with the terms of this my Last Will and Testament. By this Will, I do not exercise any other Power of Appointment. IN WITNESS WHEREOF, I, REGINA M. MAGEL, the Testatrix, have to this my Last Will and Testament, typewritten on seventeen (17) pages, including the Acknowledgment and Affidavit, set my hand and seal this 27th day of April, 1999. RE I A M. MAGEL Signed, sealed, published and declared by the above-named Testatrix, as and for her Last Will and Testament, in the presence of us, who have hereunto subscribed our names at her request, as witnesses hereto, in the presence of the said Testatrix, and in the presence of each other. Each of us further declares that he or she believes the Testatrix to be of sound mind and memory. The preceding instrument consists of this and sixteen (16) other consecutively numbered typewritten pages including the Acknowledgment and Affidavit. residing at ~~~~~~~~-; ~.~- ~~iG- .~, ~~~~~ (print name) ~~wv residing at~ J~~i L. liy'~4L~~2- (print name) ACKNOWLEDGMENT AND AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA SS: COUNTY OF ~~~'~~'Z ~~ G~~ C'C The Testatrix and the witnesses whose names are signed and subscribed to the attached or foregoing instrument, being first duly sworn and qualified according to law, do hereby acknowledge, depose and say to the undersigned authority, that the Testatrix signed and executed the instrument as her Last Will in the presence of the witnesses; that she signed it willingly or willingly directed another to sign it for her; that she executed it as her free and voluntary act for the purposes therein expressed; that each of the witnesses were present and saw the Testatrix sign and execute the instrument as her Last Will; that each subscribing witness in the hearing and sight of the Testatrix signed the will as witnesses; and that to the best of their knowledge the Testatrix was at that time eighteen years of age or older, of sound mind and under no constraint or undue influence. _ ~ -l; Ley i. ,' Testatrix fitness Witness Sworn to or affirmed, subscribed to, and acknowledged, before me by the above-named Testatrix and witnesses, this ~~'~-day of April, 1999. Notary Public My Commission Expires: 1`raci L. Sepkov c~ Notary Public Carlisle Boro, Cumberland County My Commission Expires May 31, 1999 CERTIFICATION OF NOTICE UNDER RULE 5.6~a~, Name of Decedent: Date of Death: File No.: To the Register: Regina M. Magel September 27, 2002 21-02-0983 I certify that notice of estate administration required by Rule 5.6(a) of the Orphans' Court Rules was served on or mailed to the following beneficiaries of the above-captioned estate on November ~ ~ , 2002. Name Address Frank A. Magel 111 West Winding Hill Road, Mechanicsburg, PA 17055 Christine L. Czarnecki 1439 Bolles Hill Road, Apalachin, NY 13732 Notice has now been given to all persons entitled thereto under Rule 5.6(a). I ~~` Crai A. Hatch, Esquire Counsel for Personal Representative GATES, HALBRUNER & HATCH, P.C. 1013 Mumma Road, Suite 100 Lemoyne, PA 17043 (717) 731-9600 Dated: November ~, 2002 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES DEPT. 280601 HARRISBURG, PA 17128-0601 RECEIVED FROM: PENNSYLVANIA INHERITANCE AND ESTATE TAX OFFICIAL RECEIPT MAGEL FRANK A 111 WEST WINDING HILL ROAD MECHANICSBURG, PA 17055 ACN ASSESSMENT CONTROL NUMBER fold ESTATE INFORMATION: ssrv: ~ ~ s-2o-3313 FILE NUMBER: 2102-0983 DECEDENT NAME: MAGEL REGINA M DATE OF PAYMENT: 1 2/27/2002 POSTMARK DATE: 00/00/0000 couNTY: CUMBERLAND DATE OF DEATH: 09/27/2002 AMOUNT 101 ~ S 20, 000.00 TOTAL AMOUNT PAID: REMARKS: FRANK A MAGEL SEAL CHECK# 706 INITIALS: JA RECEIVED BY: DONNA M. OTTO $ 20, 000.00 DEPUTY REGISTER OF WILLS REV-1162 EX~11-96) N0. CD 002001 REGISTER OF WILLS ~' Register of Wills Cumberland County, Pennsylvania ~.. INVENTORY Estate Of _ Reqina M. Magel Np, 21-2002-0983 also known as Date of Death 09/27/2002 Deceased Social Security No. 119-20-3313 Frank A. Magel, Personal Representatively) of the above Estate, deceased, verify that the items appearing in the following inventory include ail of the personal assets wherever situate and all of the real estate in the Commonwealth of Pennsylvania of said Decedent, that the valuation placed opposite each item of said Inventory represents its fair value as of the date of the Decedent's death, and that Decedent owned no real estate outside of the Commonwealth of Pennsylvania except that which appears in a memorandum at the end of this inventory. I/We verify that the statements made in this Inventory are true and correct. UWe understand that false statements herein are made subject to the penalties of 1$ Pa. C.S. Section 4904 relating to unsworn falsification to authorities. Per nal Representative: Name of ' z Attorney Craig A. Hatch, Esquire ...~ ~~ ~' ~, ' ~ ~ -4 I.D. No.: 76361 _Frank A. Mage_l, Executor_ Address: Gates, Halbruner & Hatch, P.C. Dated 1013 Mumma Rd., Ste. 100, Lemoyne, PA 17043 ~ - ~,~ Telephone: 717 -7 31- 9 60 0 t Description Value.: 43.670 interest in two one-story, single family dwelling ; located at 111 West Winding Hill Road, Mechanicsburg, -- Cumberland County, Pennsylvania. $ 146,731.20 43.67° interest in two-story, single family dwelling; located at 121 West Winding Hill Road, Mechanicsburg, Cumberland County, Pennsylvania. 76,422.50 Prudential Financial Acct. No. 044-324784-33 356,243.44 ROBC Limited Partnership - refund 229.82 2001 Jeep Grand Cherokee; VIN 1J4GW58N21C595888 20,850.00 1990 Lincoln Town Car Sedan; VIN 1LNLM82FOLY634704 3,400.00 Miscellaneous Personal Property 10,000.00 Total: 613, 876.96 (Attach Additional Sheets if necessary) NOTE: The Memorandum of real estate outside the Ccmmonwealth of Pennsylvania may. at the election of the personal representative, include the value of each item, but such figures should not be extended into the total of Lhe Inventory. RW-8 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES DEPT. 280601 HARRISBURG, PA 17128-0601 RECEIVED FROM: PENNSYLVANIA INHERITANCE AND ESTATE TAX OFFICIAL RECEIPT HATCH CRAIG A ESQUIRE 1013 MUMMA ROAD SUITE 100 LEMOYNE, PA 17043 fold ESTATE INFORMATION: ssrv: i i s-20-asp 3. FILE NUMBER: 2102-0983 DECEDENT NAME: MAGEL REGINA M DATE OF PAYMENT: 07/01/2003 POSTMARK DATE: 06/30/2003 COUNTY: CUMBERLAND DATE OF DEATH: 09/27/2002 ACN ASSESSMENT CONTROL NUMBER AMOUNT 101 ~ 59,554.10 TOTAL AMOUNT PAID: REMARKS: FRANK A MAGEL C/O CRAIG HATCH ESQUIRE CHECK# 1 12 SEAL INITIALS: VZ RECEIVED BY: DONNA M. OTTO 59,554.10 DEPUTY REGISTER OF WILLS REV-1162 EX111-96) N0. CD 002753 REGISTER OF WILLS ~ REV+1500EX(6-00} 1'7 .qk' - b OFFICIAL USE ONLY COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE DEPT. 280601 HARRISBURG, PA 17128.0601 REV-1500 INHERITANCE TAX RETURN RESIDENT DECEDENT FILE NUMBER 21 2002 --998L __ YE/IR NUMBER COUNTY CODE I- Z ~ L1l lrl c DECEDENT'S NAME (LAST, FIRST, AND MIDDLE INITIAL) Magel, Regina M. DATE OF DEATH (MM-DD-YEAR) DATE OF BIRTH (MM-DD-YEAR) 09/27/2002 10/22/1927 (IF APPLICABLE) SURVIVING SPOUSE'S NAME (LAST, FIRST, AND MIDDLE INITIAL) REGISTER OF WILLS SOCIAL SECURITY NUMBER SOCIAL SECURITY NUMBER 119-20-3313 THIS RETURN MUST BE FILED IN DUPLICATE WITH THE :!! [Xl ,. """'D of~ 4. 'l:! 00 rvl o"'aI L.o..J 6. ~ D9. Original Return Umited Estate D 2. Supplemental Return D 3. Remainder Return (dale of death priorto 12-13-82) D 4a. Future Interest Compromise (dale of death after 12-12-82) D 5. Federal Estate Tax Return Required [Xl 7. Decedent Maintained a Living Trust (Attach copy of Trust) _ 8. Total Number of Safe Deposit Boxes D 10. Spousal Poverty Credit (date of death between 12-31-91 ard 1.1_95) D 11, Election to tax under Sec, 9113(A)(AlIach SohOl Decedent Died Testate (Attach copy of Vllill) Litigation Proceeds Received !z l!l z ~ ! THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: NAME COMPLETE MAILING ADDRESS Craig A. Hatoh, Esquire FIRM NAME (If Applicable) Gates, Halbruner & Hatch, P.C. TELEPHONE NUMBER 717-731-9600 1013 Mumma Road, Suite Lemoyne, PA 17043 100 ,. Real Estate (Schedule A) (1) 2. Stocks and Bonds (Schedule B) (2) 3. Closely Held Corporation, Partnership or Sole-Proprietorship (3) 4. Mortgages & Notes Receivable (Schedule 0) (4) 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) (5) Z 6. Jointly Owned Property (Schedule F) (6) 0 D Separate Billing Requested j:: :5 7. Inler-Vivos Transfers & Miscellaneous Non-Probate Property (7) :> (Schedule G or L) l- e:: .. Total Gross Assets (total Lines 1-7) c( U L1l 9. Funeral Expenses & Adminislrative Costs (Schedule H) (9) D:: 10. Debts of Decedent, Mortgage Liabilities, & Liens (Sd1edule I) (10) 11. Total Deductions (total Lines 9 & 10) 12. Net Value of Estate (Line 8 minus Line 11) ..--. 223,153. 7fJi ", ~l 356,243,44" 0,00 0,00 34,479,82 19,667,33 :<) ~ .' ,. . CJOFFICIPJ... USe (jJlY \,.oJ !:': '-- c::: , I ~ B -' 130,4B2.12 (.) 75,019.22 10,143.41 764,026,40 (11) 85,162,63 678,863,77 0,00 (12) 13. Charitable and Governmental Bequests/See 9113 Trusls for which an election to tax has not been made (Schedule J) (13) 14 Net Value Subject to Tax (Line 12 minus Line 13) SEE INSTRUCTIONS Q\I REVERSE SIDE FOR APPLICAEIlE RATES 15. Amount of Line 14 taxable at the spousal tax 0,00 z rate, or transfers under Sec. 9116 (a)(1.2) 0 678,863,77 >= 1.. Amount of Line 14 taxable at lineal rate .. I- 0,00 ::> Amount of Line 14 taxable at sibling rate ll. 17. :& 0 Amount of Line 14 taxable at collateral rate 0,00 0 1.. )( .. 19 Tax Due I- 678,863,77 (14) x,OO_(15) 0,00 30,54B,87 0,00 0.00 30,548,87 x ,045-- (16) , 12 (17) ,15 (18) (19) 20 D CHECK HERE IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT > > BE SURE TO ANSWER ALL QUESTIONS ON REVERSE SIDE AND RECHECK MATH < < 2W46451_0OC Decedent's Complete Address: S1REET ADDRESS 111 West Winding Hill Road CITY I STAlE I ZIP Mechanicsbura PA . 17055 Tax Payments and Credits: 1. Tax Due (Page 1 Line 19) 2. Credits/Payments A. Spousal Poverty Credit B. Prior Payments C. Discount (1) 30,548.87 0.00 20,000.00 1,000.00 3. Interest/Penalty if applicable D. Interest E. Penalty Total Credits (A + B + C) (2) 21. 000.00 5.23 0.00 Total Interest/Penalty (D + E) (3) 5.23 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Check box on Page 1 Line 20 to request a refund (4) 5. If Line 1 + Une 3 is greater than Line 2, enter the difference. This is the TAX DUE. (5) 9,554.10 A. Enter the interest on the tax due. (SA) 0.00 (5B) 9,554.10 REGISTER OF WILLS, AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: a. retain the use or income of the property transferred;. . . . . . . . . . . . . . . b. retain the right to designate who shall use the property transferred or its income; . C. retain a reversionary interest; or .... . . . . . . . . . . . . . . . . . . . . d. receive the promise for life of either payments, benefits or care? . . . . . . . . . 2. If death occurred after December 12. 1982, did decedent transfer property within one year of death without receiving adequate consideration? . . . . . . . . . . . . . . . . . . . . . . . . . . .. D 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? D 4. Did decedent own an Individual Retirement Account, annuity, or other non~probate property which contains a beneficiary designation? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. [Xl D IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. Under penalties of perjury, I declare that I have examined this retum, including accompanying schedules and statements, and to the best of my knowledge and belief. il islrue, corred and complete Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge SIGNA PERSON RESPONSIBLE FO lUNG RETU a. Yes No [Xl D D D D IXJ IXJ IXJ IXI IXI ~ ADDRESS umma Lemoyne, PA FP A R- '" oa 17043 AN REPRESENTAllVE DATE 6/?o~ a oa, u~e PA 17043 For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3% 172 P.S. ~ 9916 (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% [72 P,S. 9 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 Of after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child twenty-one 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% [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%, except as noted in 72 P.S. 9 9116{1.2) [72 P.S. 9 9116(a){1 )]. The tax rate imposed on the net value of transfers to or for the use ofthedecedenl's siblings is 12% (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 'lMh the decedent, whether by blood or adoption 2W46461.000 REV.1502EX+(1-97) COMMONWEAlTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE A REAL ESTATE ESTATE OF Magel, Regina M. FILE NUMBER 21-2002-0983 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 which isjointly-owned with rtghtofsurvlvorship must be disclosed on Schedule F. NU'W8MER OESCRIPTION 1. 43.67% interest in TWO one story, single-family dwellings; located at 111 West Winding Hill Road, Mechanicsburg, Cumberland County, Pennsylvania 17055; being Tax Parcel No. 42-26-0241-025. See attached detail of interest and property appraisals. VALUE AT DATE OF DEATH 146,731.20 2 43.67% interest in two-story, single-family dwelling, located at 121 West Winding Hill Road, Mechanicsburg, Cumberland County, Pennsylvania 17055. See attached detail of interest and property appraisal. 76,422.50 2W46952.000 TOTAL (Also enter on line 1, Recapitulation) (If more space is needed, insert additional sheets of the serne size) $ 223 153.70 REV-1503 EX + (1-97) COMMONWEALTH OF PENNSYLVANIA II\HERITANCE TAX RElURN RESIDENT DECEDENT ESTATE OF SCHEDULE B STOCKS & BONDS Magel, Regina M. FILE NUMBER 21-2002-0983 All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM NLlMBER [ESCRJPTION 1. Prudential Financial Acct. No. 044-324784-33 (See attached for account holdings and values.) VALUE A T DATE OFDEAlH 356,243.44 TOTAL (Also enter on line 2, Recapitulation) $ 356,243.44 2W46963.000 (If more space is needed, insert additional sheets of the seme size) REV-1500EX+ (1-97) COMWNVIIEAl TH OF PENNSYLVANIA INHERITANCE TAX RETIJRN RESIDENT DECEDENT SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY ESTATE OF Magel, Regina M. FILE NUMBER 21-2002-0983 Include the proceeds of litigation and the date the proceeds v..ere received by the estate. All property jcHntly..owned with the right of sUrvivorship must be disclosed on Schedule F. ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH 1. ROBC Limited Partnership The Bridges at Bent Creek refund of unused health care services (see attached receipt) 229. 82 2 2001 Jeep Grand Cherokee 1J4GW58N21C595888 20,850.00 3 1990 Lincoln Town Car Sedan VIN 1LNLM82FOLY634704 3,400.00 4 Miscellaneous Personal Property 10,000.00 2W46AD 2.000 TOTAL fAlso enter on tine 5 Recanitutation) $ (If more space is needed, insert additional sheets afthe same size) 34,479.82 REV-1509 EX + (1-97) COMMONVVEAL TH OF PENNSYLVANIA INiERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Magel, Regina M. SCHEDULE F JOINTLY-OWNED PROPERTY FILE NUMBER 21-2002-0983 If an asset was made joint within one year of the decedent's date of death, it must be reported on Schedule G. SURVIVING JOINT TENANT(S) NAME A.Magel, Frank A. AOORESS RELAllONSHIPTQ DECEDENT Son 111 West Winding Hill Road Machanicsburg, PA 17055 B. c. JOINTL Y-OWNED PROPERTY: <EmR DATE I:e$CRIPllON OF PROPERTY %OF DATE OF DEATH ITEM FORJOINT MADE Include name offinanaal insmution and bank account number or DATE OF DEATH DECD'S VALUE OF NUMBER "'WIT JOINT similaridentifvinllnumber.Atlechdeedloriointly-haldrealestate VALLE OF ASSET INTEREST DECEDENT'S INTEREST 1. A 01/05/1988 Citizens Bank 6,008.65 50.00 3,004.32 Account No. 6100704521 2 A 05/12/1995 Citizens Bank 33,326.00 50.00 16,663.00 Account No. 6100905209 TOTAL (Also enter on line 6 Recanitulation' $ 19,667.33 2W46AE 2.000 (If more space is needed, insert additional sheets of same size) REV-1510 EX + (1-97) COMMONWEALTH OF PENNSYLVANIA ',...,ERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Maqe1, Reqina M. SCHEDULE G INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY FILE NUMBER 21-2002-0983 This schedule must be completed and filed jf the answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes. DESCRIPTION OF PROPERTY %OF ITEM INCWDE THE NA\E OF THE TRANSFEREE, THEIR RELATIONSHIP TO DATE OF DEATH DECD'S EXCLUSION TAXABLE VALUE NUMBEF DECEDENT JIlIlD THE ~~Dqfo~R=fsRiAWACH A COPY OF THE VALUE OF ASSET INTEREST IF APPlICABLE\ 1. Hartford Life 130,482.12 100.00 0.00 130,482.12 Annuuity Contract Contract No. 710769357 Owner: Regina M. Magel Beneficiaries: Frank A. Magel and Christine L. Czarnecki, in equal shares. TOTAL (Also enter on line 7, Recapitulation) $ 130,482.12 (If more space is needed, insert additional sheets of same size.) 2W46AF2.000 REV-1511 EX+ (1-97) COMMONlNEALTH OF PENNSYLVANIA Ir-I-ERJTANCE TAX RETURN RESIDENT DECEDENT ESTATE OF Magel, Regina M. SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS FILE NUMBER 21-2002-0983 Debts of decedent must be reoorted on Schedule I. ITEM NUM8ER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. Malpezzi Funeral Home 9,030.80 Funeral Goods & Services 2 Diocese of Harrisburg 125.00 funeral services 3 James Gingrich Memorials 5,184.80 Gravesite Marker 4 Olive Garden 513.36 B. ADMINISTRATIVE COSTS: 1. Personal Representati\l€!'s Commissions 35,600.00 Name of Personal Representative(s) Frank A. Magel Social Security Number(s) I E1N Number of Personal Representati\l€!(s) Street Address 111 West Winding Hill Road City Mechanicsburg State PA Zip 17055 Year(s) Commission Paid: 2003 2. Attorney Fees Name: Gates, Halbruner & Hatch, P.C. 20,000.00 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) 0.00 Claimant Street Address City State Zip Relationship of Claimant to Decedent 4. Probate Fees 558.00 5. Accountant's Fees 0.00 6. Tax Return Preparer's Fees 0.00 7. The Patriot-News 202.69 estate notice publication fee 8 Cumberland Law Journal 75.00 estate notice publication fee 9 Lawnworks & More 593.60 fall clean-up (see attached invoice) 10 PPL Electric Utilities 111.74 Total rrom continuat~on pages.... .>,UZ4.Z'> TOTAL (Also enter on line 9, Recapitulation) $ 75,019.22 2W46AG2,OOO (If more space is needed, insert additional sheets of same size) Estate of: Magel, Regina M. Schedule H, Part A -- Funeral Expenses Item No. Description post-funeral luncheon (see attached Discover credit card statement) TOTAL. (Carry forward to main schedule) Page 2 21-2002-0983 Amount 0.00 Estate of: Magel, Regina M. Schedule H, Part B -- Administrative Costs Item No. Description 10 10/2002 - 02/2003 utility service for 121 W. Winding Hill Road property (see attached invoice) 11 PPL Electric Utilities 10/2002 - 02/2003 utility service for 111 W. Winding Hill Road property (see attached invoice) 12 Shipley Energy 11/2002 - 2/2003 oil service for 121 W. Winding Hill Road property (see attached inVOices) 13 Shipley Energy 11/2002 - 02/2003 oil service for 111 W. Winding Hill Road property (see attached invoice) 14 Shelby Casualty Insurance Co. homeowner's insurance on 111 W. Winding Hill Road property 15 Waste Management of Central PA trash removal 16 Linda Hill house cleaning 17 Verizon phone service 18 Aqua Specialists, Inc. water treatment TOTAL. (Carry forward to main schedule) . . . . . . Page 2 21-2002-0983 Amount 875.53 512.00 580.00 587.00 36.52 110.00 55.61 267 . 57 3,024.23 REV-1512 EX'" (1-97) COAMONV\IEAL TH OF PEI\tIISYLVANIA Ir-I-fER1TANCETAX RElURN RESIDENT DECEDENT ESTATE OF Magel, Regina M. SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS FILE NUMBER 21-2002-0983 Include unreimbursed medical exftl!M'lses. ITEM NUMBER OESCRIPTION AMOUNT 1. Alert Pharmacy Services, Inc. prescription drugs & supplies (see attached invoice) 349.07 2 Alert Pharmacy Services, Inc. prescription drugs & supplies (see attached invoice) 508.55 3 Alert Pharmacy Services, Inc. prescription drugs & services (see attached invoice) 626.59 4 AOL Online Service internet service (see attached Discover credit card statement) 70.61 5 Elite Staffing Services, Inc. Hospice care for period 09/18/2002 - 09/27/2002 (see attached invoices) 3,184.50 6 ROBe Limited Partnership The Bridges at Bent Creek health care services (see attached invoices) 3,392.28 7 PPL Electric Utilities September 2002 utility service for 121 W. Winding Hill Road property (see attached invoice) 27.44 8 PPL Electric Utilities September 2002 utility service for 111 W. Winding Hill Road property (see attached invoice) 379.59 9 Shipley Energy Oil service for 111 W. Winding Hill Road property 145.00 10 Shipley Energy Oil service for 121 W. Winding Hill Road property 128.00 11 Quantum Imaging medical bill. 3.50 Total. from continuation pages.... 2W46AH2_000 TOTAL (Also enter on line 10, Recanitulation' $ (If more space is needed, insert additional sheets of the serne size) 1,328.28 10,143.41 Estate of: Magel, Regina M. Schedule I -- Debts of Decedent, Mortgage Liabilities & Liens Page 2 21-2002-0983 Item No. Description Value at Date of Death 12 Verizon phone service 163.80 13 AT&T Wireless cellular phone service 102.39 14 Waste Management of Central PA trash removal 36.52 15 Discover Credit Card Acct. No. 6011-0020-3300-6354 385.17 16 Sunoao Credit Card Acct. No. 50120012583 53.00 17 Comcast Cable cable service 70.00 18 Aqua Specialists, Inc. water treatment 511.00 (8/2002 - 9/2002 service) 19 The Patriot-News Co. newspaper subscription 6.40 TOTAL. (Carry forward to main schedule) 1,328.28 REV.1513 EX+ (9.00) COMMONVVEALTH OF PENNSYLVANIA tNiERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF SCHEDULE J BENEFICIARIES Manel RCt'Tina M. NUMBER I. NAME AND ADDRESS OF PERSDN(S) RECEIVING PROPERTY TAXABLE DISTRIBUTIONS [indude outright spousal distributions, and transfers under Sec. 9116 (a) (1.2)] Magel, Frank A. 111 West Winding Hill Road Mechanicsburg, PA 17055 1. 2 Czarnecki, Christine L. 1439 Bolles Hill Road Apalachin, NY 13732 FILE NUMBER 21-2002-0983 RELATIONSHIP TO DECEDENT Do Not List Trustee(s) Son Daughter AMOUNT OR SHARE OF ESTATE 376,765.55 302,098.22 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET II. NON-TAXABLE DISTRIBUTIONS: A. SPOUSAl DISTRIBUTONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS 1. 2W46All.000 TOTAL OF PART II - ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET (If more space is needed, insert additional sheets of the same size) $ 0.00 (UDk'll '.l' i-_ ~'~, ':" I;,' ',' , . , ~ ';\/,<....1;; .; ,~;U::)ijcaI.a this ....\.-i.). ,I '; ~.:.). l' '" '"l. t'" ;,;.i:~"'':-':- ':' ,i', ~\\,\ I,: \~::;~~. .. '"';.S<::>" 'C__ '1/li>-_ ,,;, '<---' MEN, '\\' ~ ) )r~4 .~~!~?t;~~ .J/ ) ~ .AuK,," &7;~L / ! ,~ ,':-~: f1 8608839 _~<::-l<:d:_L_i_ ~1~;..",. ~___ , 'J"",.'dl COMMONWEALTH OF PENNSVLVANIA. DEPA.RTMENT OF HEALTH. VITAL RECOROS CERTIFICATE OF DEATH ">"t,;;,,,r .. Cumberland 1 -~----~---'-'--~~ sn 50c,,,,-~'E.CURi'Sf,,~~~~11"~ER -----,ci:irE"-O;:-C:-['Aif;",;;-,;;;-c.;;- .--;;,~-- Female ).119 - 20 - 3313 ~Ptember 27,_ 200~. PLACE 01' O€IoII<.,O''''''''''''-'W~'- ''''''<'''''..\".'''~''~ '.'0" HOSP>T,o,l Inpa,_'[] oRiOu"""".n' Li h f~ClllT't' N~"'E i"~o' ",,,'oc,"'" g"~ '''e'' ,M 0"'"""" BlflTHP,-"CErc.t.,.r4 .;t,o'ev-I-C'''''j!1C:''''''Uv) ,h,,",,,,,,l Jl ,,,'~ ,"~ "'~." j::~H:(OEl<t\..;,;\ '",~",~ '....) R ina M. Ma --:;-'.;E., ,,' 'j'~"'~JYI WNOEA 1 YEAR "'omh" 0.,,.. OAIEOF l;I'AW 1<.0"'. l ........,... "'u".n o"v ,~... C\'N.8Cf\O,TWI'OfCE~TH ,~, UNOEIl' OAl' 74. 1. Bronx, NY "we.'. . .:0lmr'CfO€.."J1<. AACt. A",.,o<"",no..n. ~I",', "'"'. .', ($-",,> OI'CUJHIT'S USUAL OCClJPR\OO< ":;:'~''''~''''''""''''''.'''''''''-I'''' ~1....,..,,,,,M.,""_u..,_adl Hanemaker Ie.Si1 ver Spring "\lil)QfI>US\N~"'51'I'lDlJS'R'/ " White SUAVIVlNGSPOuS!: ;11..". oj''''''''''''''''O'''''' l1b.Coun.... ,,' _odem _.. .cumberl.:mrl "'...~"'"pl lTdO ==-"';:':::QI MOTHEA'SNA"'I:.,." ....""..,,,..".nS"'~""'81 ". Henri e Goettsche 'NFOI1.MANr'SMA'LINGAOORESSIS"_C'tvf1Ov,n.S"18.l~C~' 2Ob111 West Windin Hill Road Mechanicsbur Pu.cEOf OIsPOSltlOH .~tIlc.",.,.'Y, CI.",,1otY ",Ott>e,~.oc;. MAflITALSTATLlS-M.",... N....'M."_.W.~a Oi''''C<Hl{Spec'iy) Widowed Upper A en -----...., " >AU.l"""S"A'-'E.f;,,",M;<,."'l"ll Arthur "",,,,,,,,, '-!....-.- 'Nf'U,,"'A"T'SNA'-'E,T,p"'P"'''J 10& Frank A. Magel M~ r"oo QF O,SPOSlTION s"'''.llXI e......'''''O R."""Ol"oonS'...O Doha. 1~IJ<I'v'tv. E. Davis , , .~ , 21~Chestnut Hill Cemete lol.o.loUi.>.NOAOOflES$OFFAC'L'TY 22e~1 PA 17055 PA 17055 WI 17055 .)-7, )c'c.-_.... ".m.l...6m....,llocompl.'...by poo'''''"..''''p'ono~nc.._'n 2.. :1 H. PART I, En,."n. d......., 'fIj~....."e~mp'lu'"'". ..noch ca~....''''d..,n 00 "".n,.IIn. 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WA:~A""JTOI'SY f'[f1f()f''-'lD'1 , WERE AUTOl'SYF'NO'NGS AvAlLA1lL1:PfllOATO COMPlEtIONOECAllSE OF DEATH? ...ANNEAOFOEATH Nat"'~' ~ fJ (J OATEOF >N)URY {..",...D..."';,,) TI'-'EOf ,,,)LlRY 'NJURYAT WOAK1 DESCfllllEIiOWIN)URYOCCUI\J<ED ""m'c_ o [] o ~-&"'J~"':;;;;;;o.:,~~:,..".,:,,,,",.OIhc. ..., ~~-.g, .'e ,S~"",r", ,~ ..... 0 ~D -""dO," P."".n<J'n....'\I.'"'~ n'Hlf'E'I"<>..''''''V'''@> ~AT'f"1<<; PH'S'C'A""Ph""_,-,.,,,,..""l<~'" M"'" ~N,,,~,,,,,,,.. c.'''''',''''',"' ",Q''''''"""",M.'O ."u ""'"l-"d,,'"e.n ~J, TOohe"."Q''''y.,'''..'<odg.,d..'ncccu''<oddu.l0'h.c.u....J.''''m.M.'.....,<od .'PF<O"U""C'NG ANOCEAllFY'NGPHVSICI'O'N.f'r;,""..nt-..'"'~."."~""',ny~,'.'n,",'''"t""""J'~"u'.c'(le."" _ T~ 'n. ""a'", "'Y '_"_'l". >I..\I\"""C..-.'o<i......n..... 4a'., at>dp'ac., .Md... '0 ,n.c,u"I.)'nd ",onn.' ...,.'.... , ....EO'CAlE~A...INEAICORONe:R " · ,,, ~;,~::~:;':,:::;.m'"."'" ,'""'" m~""...,": '", m, >,.0,": ...." '~~""."~' '",', "m. '''', ."",~. _'~~" '"~ o'""\~, ~:' I",-'C"f(::"""""'"'''''''''' ~~f"1f- i)J ,,~d ,;}j I::") )/J,:.. I U',;( I 7L' '.... I..J ,,~ ,..0 ~~ ~ Ca~"''''''",",'.tom''"<Hl ,.. LAST WILL AND TESTAMENT . OF REGINA M. MAGEL WHEREAS, on the 4th dated ADril 27th 1999 was admitted to probate as the last will of MAGEL REGINA M (LA.'::) 1 , l'-L.KOl., [VU.LJULb) Register of Wills of CUJV13ERLAND County, Penrcsyl"o::~. Certificate of Grant of Letters No. 2002~00983 PA No. 21~02~0983 ESTATE OF MAGEL REGINA M (LAbl, rl~::':ll ~jlUULb) Late of UPPER ALLEN TOWNSHIP CUMBtKLfu~.u LUUN1Y, Deceased Social Security No. 119~20~3313 day of November 2002 an instr~~E:~~ CUMBERLAND County, who died on the late of UPPER ALLEN TOWNSHIP 27th day of September 2002 and, WHEREAS, a true copy of the will as probated is anrcexed hereto. THEREFORE, I, MARY C. LEIHS , Register of Wills in and =cr the County of CUMBERLAND in the Commonwealth of Pennsylvania, hereby certifv that I have this day granted Letters TESTAMENTARY to MAGEL FRANK A who has duly qualified as Executor (rix) and has agreed to administer the estate according to law, all of which ful~y appears of record in my Office at CUMBERLAND COUNTY COURT HOUSE, CARLISLE, PENNSYLVANIA. IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed the seal of my Office the 4th day of November 2002. L: ;\ .'/(~""vtl..'''' };J}' {iJ:{* /,~ . . /, .- ,L-tf1-' /.' f1.lfl /--I?/ <' Kegls er or l Is J; ,),to/ /, / ~ tk.iiL :JUitcu:<-f.: v I I / **NOTE** ALL NAMES ABOVE APPEAR (LAST, FIRST, MIDDLE) ::';~~4,f.~'t:'~W!l~~1.~~f~~~~~'r~;-., t:~l':;"""",,:-':"~~ 'z~ll~"-[ili~~:f~f'-~:t!~~{i~lfI;:::~1~~_'4 . 21-2002-983 LAST WILL AND TESTAMENT OF REGINA M. MAGEL I, REGINA M. MAGEL, now of III West Winding Hill Road, Mechanicsburg, Cumberland County, Pennsylvania 17055, do publish and declare this to be my Last Will and Testament, hereby revoking all other prior wills and codicils made by me, FIRST: Familv Backl!.round and Apoointment of Executor. (A) Familv and Backl!.round Information. I am married to FRANK M.. MAGEL, Our children are FRANK A. MAGEL and CHRISTINE L. CZARNECKI, Throughout this Will, FRANK M. MAGEL will be referred to as "my husband" or "my spouse", and FRANK A. MAGEL and CHRISTINE L. CZARNECKI will be referred to as "our children", The word "issue" will include our children as well as our other descendants. (B) Apoointment of Executor. I appoint as my Executor and successor Executor (all hereinafter referred to as Executrix, Executor or Executors under this Will), the following named persons or corporations to serve without bond and without being required to account to any Court: Executor: My son, FRANK A. MAGEL, Successor Executrix: My daughter, CHRISTINE L.CZARNECKI. SECOND: Funeral and Last Illness Exoenses: Taxes. (A) Expenses of Funeral and Last llIness. Notwithstanding that my spouse survives me, I direct my Executor to pay my funeral expenses and the expenses of my last illness from my estate, (B) Taxes. I direct my Executor to pay any and all estate, inheritance, transfer and other death taxes or duties, by whatever name called, including any and all interest and penalties thereon, imposed under the laws of any jurisdiction by reason of my death, upon or with respect to any and all property included in my gross estate for the purpose of such taxes, whether such e~ ~ ~h . LAST WILL AND TESTAMENT OF REGINA M. MAGEL Page 2 property passes under or outside of this Will. Without any apportionment otherwise required by law and without being prorated or apportioned among or charged against the respective devises, legatees, beneficiaries, transferees, or other recipients of any such property or charged against any property passing or which may have passed to any of them, I direct that any taxes so paid shall be charged as follows: (J) If my spouse, FRANK M. MAGEL, survives me, I direct that any taxes so paid shall be charged entirely against that portion of my residuary estate, if any, which passes under the provisions of Subparagraph I of Paragraph A of Article FIFTH (By-Pass trust) of this my Will, or to the extent, if any, that said portion is insufficient, then against that portion of my residuary estate, if any, which passes under the provisions of Subparagraph 2 of Paragraph A of Article FIFTH (Marital Deduction gift) of this my Will; or, (2) Ifmy spouse, FRANK M. MAGEL, does not survive me, I direct that any taxes so paid shall be charged entirely against my residuary estate which passes under Subparagraph B(2) (or to the extent, if any, that Subparagraph B(2) is insufficient, then against that portion of my residuary estate, if any, which passes under Subparagraph (B)(I) or C of Article FIFTH, whichever applies My Executor shall not be entitled to reimbursement for any portion of any such taxes from any such person. The foregoing provisions of this Article SECOND shall not apply to the following: ( I) The amount, if any, by which taxes, interest and penalties thereon shall be increased as a result of the inclusion in my gross estate of property (a) in which I may have a qualifYing income interest for life, under Section 2044 of the Internal Revenue Code of 1986 (herein, "IRC") (or the corresponding provisions ofany subsequent federal tax laws) or corresponding provisions of state law, or (b) over which I may have a general power of appointment under IRC Section 2041 (or the corresponding provisions of any subsequent federal tax laws) or corresponding provisions of state law, or (c) over which I may have retained an interest as defined in IRC Section 2036 (or the corresponding provisions of any subsequent federal tax laws) or corresponding provisions of state law, and any taxes, ~~ -1!- LAST WILL AND TESTAMEl""'; OF REGINA M. MAGEL Pal!:e 3 interest and penalties on said incremental amount shall either be paid from said property directly or shall be recovered by my Executor from the person holding or receiving said property as provided in IRC Sections 2207, 2207A, or 2207B (or the corresponding provisions of any subsequent federal tax laws); (2) A generation skipping tax imposed by IRC Chapter 13 or the additional estate tax imposed by IRC Section 2032A(c) (or corresponding provisions offederal or state law applicable to my estate and imposing said taxes), and any and all interest and penalties on said Chapter 13 and IRC Section 2032A(c) and comparable state taxes; and (3) Such portion or portions of said taxes, interest and penalties which may be required to be paid by the Trustee of the Trusts described below, in Articles SEVENTH and EIGHTH THIRD: Tanl!:ible Personal ProDertv. Except for those items excluded below and those items enumerated in the Letter ofInstruction, I bequeath to my spouse, FRANK M. MAGEL, all tangible personal property, including but not limited to clothing, jewelry, heirlooms, furniture, household furnishings, personal effects, motor vehicles, and all other similar articles, which I own, and the insurance thereon, ifmy spouse survives me by sixty (60) days. Tangible personal property shall not include: (1) any and all property used by me in any business, (2) cash on hand or on deposit in banks, (3) stock or securities, (4) any type of evidence of indebtedness, and (5) any life, health or accident insurance policies. Ifmy spouse does not survive me by sixty (60) days, I bequeath such tangible personal property to our children, if they are living on the sixty-first (61st) day after my death. Ifmy spouse and our children do not survive me by sixty (60) days, I leave such tangible personal property to our issue, per stirpes. If there is any disagreement as to distribution, I direct my Executor to make such distribution. The decision of my Executor shall be final and binding. Any items not selected or any items which my Executor considers unsuitable for my issue may be distributed or sold in the sole discretion of my Executor and if sold, the net proceeds therefrom shall be added to the residue of my estate. Any such article allocated to a minor may, as my Executor deems advisable, either be delivered to the minor or to any person to safeguard on behalf of the minor. ~ ~ ~ ., ''''~''";.'t.~'t:::~:.'. ~A~Q,::;"''''''', -. ....,-"" .,~ " . ,~, ~ - , ' ' , - . " ,..t r '- ~ ~ . ~~~w~~~i~iJilji;\~~~~~~clr~;tjl~~\4;~'~'~~:;I.";:r-: ';:.,;. _' , -c'~,"". ": ._-'~<~" ~ ,-' ,'1;~.;~",:;,;,r~',~~_" ~ ::.". ~ ''''''~!lifl''-~1~f;;,."......~....,._...............<,.r>-.. --,,' , , '-. ..~., ,"<-t:"~~ '" ~'"'" :t::'i:t...-!<;~'V..,t.... 8"',f,.\.i'i.:';":-"~;.I;>-;.",":::J:io-\~,-'ik":'-~'';:j.;:i'~. ~ ; :..,},,"~, _ ,~, ~ ",' . > ',,~..~.~,:.~.., - :1'!c(>lol ~"""'Jfi~l:,::,y;.~""i ''J.''''''''~';':-!'-i:'',:'k,:<''~..:,<t~:'''d.'r.,~'','):,)''C>: _, '_ c" .~." I . ~ . ~. 1"" .~"1!, ., ~'" -!fi; "'....~ ::t:.'it.~):t~:'B~~ "I{'j;'^"'P'~>-:"" If~~"->.--r~' .fl.' F- "~.,' ,,~ '.-';- ~ " ~." ... ~"c;-'r-lJ" ~ -~......' ;;.(:,~.l;\'..:"';~'~l'\)'~~~_",:~J.~...:"...,{..':..~.;.,',~."'r.L"'-'",'~t., ,.- .' ". ' ,~.(:'.,'::"\I.i . ;&~~#.-~~/,~'~>>~h~;:,.,~_~;"",-~''-'",~Y~J..:~_!!:,:~:-:-.~..<.,,,.~."'..:',....,' ~_"'"_ ,., ' ." '_, ? .<.~'<...;q~\~ _ .... 1:':~ .....~l;:i"'.:;.;.r.. ~h,.$N-;';r.J:'!Y'~:.;".kv,j-;;,;..:;!: <"._.....~',. -';" 'f" , " . " ,,'_,'''", "J-e LAST WILL AND TESTAMENT at: REGINA M. MAGEL Pae:e 4 Notwithstanding any other provisions in this Article THIRD, I may leave a separate, dated and unsigned Letter of Instruction, which I shall place with my Will, containing directions as to the ultimate disposition of certain of the property bequeathed under this Article THIRD, and such Letter ofInstruction shall determine the distribution of such items. FOURTH: (THIS ARTICLE HAS BEEN INTENTIONALLY LEFT BLANK.) FIFTH: By-Pass and Marital Deduction Gifts. (A) Ifmy spouse, FRANK M. MAGEL, survives me, I give, devise and bequeath all the rest, residue and remainder of my estate, of every kind and character, real, personal and mixed, tangible and intangible, and wherever situated, including any lapsed or renounced legacies, devises or residuary bequests, as follows: (I) By-Pass Amount. (a) I give, devise and bequeath to my Trustee, hereinafter named, a fraction of my residuary estate which shall be determined as follows: The numerator of the fraction shall be the largest amount that can pass free of any federal estate tax (i) as a result of the allowance of the Unified Credit under IRC Section 2010, (or the corresponding provisions of any subsequent federal tax law) and the State Death Tax Credit under IRC Section 2011, (or the corresponding provisions of any subsequent federal tax law) but only to the extent that the use of the State Death Tax Credit does not incur or increase any state death taxes otherwise payable by my estate, and (ii) after taking into account the value of any and all bequests or transfers which do not qualifY for the marital or charitable deduction, and (iii) after giving effect to all charges against principal that are not allowed as deductions in computing my federal estate tax, and (iv) after giving effect to all administration and other expenses claimed on the estate tax return, and (v) after taking into account any prior adjusted taxable gifts; and The denominator of which shall be the value of my residuary estate as finally determined for federal estate tax purposes. (b) If any gift, bequest, or devise, whether or not out ot the residue of my ~ -Ni ~ LAST WILL AND TESTAMEN OF REGINA M. MAGEL Pal!e5 estate, is renounced, then the renounced gift, bequest or devise shall be added to this Trust, even though an amount in excess of the By-Pass amount is transferred into this Trust (c) My Trustee shall hold the property given to my Trustee by this Subparagraph 1, in Trust, such Trust to be known as and herein referred to as the "REGINA M. MAGEL BY-PASS TRUST," to and for the purposes described below. (2) Marital Deduction. I give, devise and bequeath the balance, ifany, of my residuary estate to my spouse, FRANK M. MAGEL. (B) Ifmy spouse, FRANK M. MAGEL, does not survive me, I give, devise and bequeath all the rest, residue and remainder of my estate, of every kind and character, real, personal and mixed, tangible and intangible, and wherever situated, including any lapsed or renounced legacies, devises or residuary bequests (but excluding any property over which I may have a Power of Appointment), to our children, FRANK A. MAGEL and CHRISTINE L. CZARNECKI, in the following shares and amounts: (I) I give the amount of FIFTY FIVE THOUSAND DOLLARS ($55,000.00) to my son, FRANK A. MAGEL. (2) Any real estate that lawn or otherwise have an interest in at my death shall be held, IN TRUST, for the lifetime benefit and enjoyment of my son, FRANK A. MAGEL, provided that he shall be responsible for taxes, fees, insurance and other costs, fees or expenses of using or benefitting from such real estate, until such time as he moves, rents, dies, or subdivides the real estate. If and in the event that he moves, rents, dies, or subdivides the real estate, the net proceeds from the subsequent rent, sale, subdivision or other use of the real estate shall be divided equally between FRANK A. MAGEL and CHRISTINE L. CZARNECKI. (3) The remaining balance shall be distributed, in equal shares, to FRANK A. MAGEL and CHRISTINE L. CZARNECKI, per capita. If and in the event that both of my children should predecease this distribution, then this distribution shall Ln<-> ~ ~ < ..' 1I"'<;~~~~'k~'~;';'~"''i.WcP[!'K'" ~,,~f'-,.,.~,,: '';:;'J''~' .~~'>,~. ~., ., ,C ." . . " . ." . " ,'. ...<~ ....1': ,..~,""', !d::~~J;~" 'r/..~...~,,'j~i.1:'~,;:{._:':.~."""'':'''7:R.>;..;~,.A.- '~,i -~~ , " '" ~ " . .". ~" .""~ ~~..,~ ~,,,{,',"..<l;u.<I,,,,,,'Jf~.~,r~"'~,~.-'f~...~~t.,,.,l'." "'.... ~. _' '". ",",.,' '-,~,~. ~~. ~~~!1~r+f~~~~~,~,--~;:,;t.;t~r-~'~:;~,~<,-:~j,.'~';.. . ; ,':. ~:.., .( . .'., . )'iJ""~~'~...;;-i:-:-:- ,.' ~,..:-~ ~.",~:,jr;J..'l~*'!O'~~;' .~.>-i:';;'~"1:,;"",,"',>.t'"i:"~r,:..'(' 'c. ~},' " .- ) .~' . ". '~" ""')~ . "'4~,' ""~~~~":ATj"J1'\'~''"~';~''"'~J:~~''''':!'''~'''tt''''',,,~f.~~ ....',',..,< ' "', 0',\:'", ' . ' '. '_.... "';;<\i}. , ~ :::;'!~_.!::? Po "';. ~ ",~-;-"" '~I:v>:> ..\-'''''\' ,";:.l^. ~,~- .. ~. ,> ~. ,.' , '; {.-" ~,' .~ _"'" ";;?"'t'~~...>t~.<::,;.:?,.....~':;s;.'~1:Bl',,,,{~';'r;S->""""'-"'''')...h''' !4"'7~. \ c "- ,. '~l' '",'. ,,~,;'r...~_'.-r,t ,"._.' 't~" ~.,:.'< ,..{:\;.~--~:;r1~~...~:l"~~'!':""~'?j*'\-i.'':';.Y'~''5.''"~'"l'~~!.''.-,,:;~i-~'', ~ ,,' ~ 7 "-~', -'." ,~.-: ,;-~~".:$^~'-~,~;;Y,o,~ . ~ -",.~ -'<~ :;-~ LAST WILL AND TESTAMEI"~ OF REGINA M. MAGEL Pa1!e 6 be made to the issue of my children, in equal shares, per stirpes. I I I j i ! 1 I I I I I I 1 I I i . j (C) Distributions durin1! Administration. Prior to final distribution of my estate, the Executor, in his discretion, may make partial distributions to one or more beneficiaries or Trusts. As a consequence, the Executorship and any Trusts created under this Will may exist contemporaneously. A distribution may be made subject to any indebtedness or liability of my estate. SIXTH: (THIS ARTICLE HAS BEEN INTENTIONALLY LEFT BLANK) SEVENTH: Re1!ina M. Ma1!el Bv-Pass Trust. (A) The gift to the Trustee of the REGINA M. MAGEL BY-PASS TRUST shall constitute the Trust Estate of a Trust for the primary benefit of my spouse and my children. (B) Distributions Durin1! mv SDouse's Lifetime. The Trustee shall distribute to, or for the benefit of, my spouse, FRANK M. MAGEL, for and during my spouse's lifetime, all of the net income from this Trust, in such periodic installments as the Trustee and my spouse shall agree. The Trustee shall pay to, or for the benefit of, my spouse, at any time or times and from time to time, such sums from or any part or all of the principal as my Trustee may, in its sole discretion, determine to be reasonably necessary for my spouse's health, education, support, and maintenance, and the expenses of any illness or accident which may affect my spouse. (C) Broad SDecial Power of ADDointment. My spouse, FRANK M. MAGEL, is hereby granted the special power to appoint, at any time and from time to time, the principal of this Trust in whole or in part and in any manner and in such proportions as he deems advisable to whomever he desires. This power shall not be exercisable under his WilL This special power of appointment does not grant to my spouse the power to appoint the principal of this Trust to himself, his estate, his creditors or the creditors of his estate, nor to appoint the principal of this T rust for the health, education, support, or maintenance of any of my issue whom I or my spouse is legally obligated to support or maintain. If my spouse fails, either in whole or in part, to exercise this special power of appointment herein granted, the unappointed principal shall continue in trust and shall be administered according to the terms of this Trust. t!nvm / ~ ~ LAST WILL AND TESTA ME' ' OF REGINA M. MAGEL Pa!!e7 (D) Limited General Power of Aooointment. My spouse, FRANK M. MAGEL, is hereby granted the general power to appoint a maximum amount of the principal of this Trust to himself, his estate or any other individual, in such proportions and upon such terms (in trust, outright gifts or in any other manner), as he deems advisable. The maximum amount which my spouse may appoint under this paragraph, per calendar year, shall be the greater of $5,000 or five (5%) percent of the entire principal of this Trust. At the end of each calendar year, his right to appoint the maximum amount shall lapse, if not exercised, and the unused maximum amount shall not accumulate. This power shall not be exercisable under his Will. Ifmy spouse fails, either in whole or in part, to exercise this general power of appointment herein granted, the unappointed principal shall continue in trust and shall be administered according to the terms of this Trust. (E) Subseauent Distributions. Upon the death of my spouse, this Trust shall terminate. Upon termination, the remaining trust estate shall be distributed to our children, FRANK A. MAGEL and CHRISTINE L. CZARNECKI, in the following shares and amounts: (1) Any real estate that lawn or otherwise have an interest in at my death shall be held, IN TRUST, for the lifetime benefit and enjoyment of my son, FRANK A. MAGEL, provided that he shall be responsible for taxes, fees, insurance and other costs, fees or expenses of using or benefitting from such real estate, until such time as he moves, rents, dies, or subdivides the real estate. If and in the event that he moves, rents, dies, or subdivides the real estate, the net proceeds from the subsequent rent, sale, subdivision or other use of the real estate shall be divided equally between FRANK A. MAGEL and CHRISTINE L. CZARNECKI. (2) The remaining balance shall be distributed, in equal shares, to FRANK A. MAGEL and CHRISTINE L. CZARNECKI, per capita. If and in the event that both of my children should predecease this distribution, then this distribution shall be made to the issue of my children, in equal shares, per stirpes. (F) Distributions durin!! Administration. Prior to final distribution of my estate, the Executor, in his discretion, may make partial distributions to one or more beneficiaries or Trusts. As a consequence, the Executorship and any Trusts created under this Will may exist contemporaneously. A distribution may be made subject to any indebtedness or liability of my i!n ~nL ~ k " "M:""W:"=~~""''"'~'''''{!j'~--'-1oif/'!},'''if't.,.~..,.,. '~,9. ;....,. ,'. '.,." . " .'''' , . '., .. ., " ~ ",~<f"'et~,ji .~1t"~J'i7"~ ~;(i,f;>.,{",,"" ."':~"'1"~,.,!". ,"5...',t~:' '.. .," '" ."... '... ,.' .'. - ;.,.. Ii"" '~~!;'\lWltl1:<::;""~.ii:\r:-I~. 1"?s~~,,-;""\i\i:40:J"':'Y',._]fi@.~~.:-.,,~ 'r' :: :,', _ "I~. '. .- ~l' " '.f.," ~~<:-",- ~.<;'i-~ ~"mY~~~;$:',:ti- ~~;~,;~t;rrrF,,~~~::..1:;:..l:'5~~~~,r;: ;0;'5';' ::/','.,' '- , .' . ,:"-.,.':;.~;.: ~v<".""''''<[' ,w"J!l>f"'t"ft ~-:~~"~~:"""';~!'1:>.it.<"'}~'i-:.:T"~:~~;"'~l-<~'-'! t"'-" ' - > -.. . ,,' ~- ""~ ~.. t" ;!~.J; ~'(~~.t"~~~.>;'t~~.rl ~;?;r':: ^"-".":'.'~( ;",!:::r~'.r7l,::.. ",-",,: i ., '.' , ~ ..' ,," ~ ,'-"i::17 ~;>., - ~ '~k~~~1;:.~ iV'~iB' -~~~f.h$,t~ '\.l.t~f\b... "_\.....:,";.-~~ "",!: <, '" . ~ .." -.' . -"'J~~ , n~;; f ,,,,'<'Il~'" ~".;""~"':;t:,:',.~",.. ',..?!",,- ~:~ . _ 'f";~ ( ...~ ' ,.' ~)... ~ ,,'. , : " '~~',)~::;'''::r,~ LAST WILL AND TESTAMENT OF REGINA M. MAGEL Pal!e 8 estate. EIGHTH: (THIS ARTICLE HAS BEEN INTENTIONALLY LEFT BLANK) NINTH: ADDointment of Trustee and Successor Trustees. i i I 1 1 i I J j 1 I ! 1 (A) Nomination. I nominate, constitute and appoint FRANK A. MAGEL, to act as Trustee of all Trusts created by my Will. (B) ComDensation. The Trustee shall receive as its compensation for the services performed hereunder that sum of money, based on an hourly charge or percentage rate, which the Trustee normally and customarily charges for performing similar services during the time which it performs these services. (C) Removal of Trustee. A majority of the current beneficiaries may remove the Trustee, at any time or times, with or without cause, upon thirty (30) days' written notice given to the Trustee. Upon the removal of the Trustee, a successor Trustee shall be appointed in accordance with the terms set forth in Paragraph NINTH(D). (D) ADDointment of Successor Trustee. The Trustee may resign at any time upon thirty (30) days' written notice given to the current beneficiary or beneficiaries (including a beneficiary's natural or legal guardian or legal representative), hereunder. Upon the death, resignation, removal or incapacity of the Trustee, a successor trustee may be appointed by a majority of the current beneficiaries. Any successor trustee shall be a financially sound and competent corporate trustee or my issue. Any successor trustee thus appointed, or, if the Trustee shall merge with or be consolidated with another corporate fiduciary, then such corporate fiduciary, shall succeed to all the duties and to all the powers, including discretionary powers, herein granted to the Trustee. TENTH: (THIS ARTICLE HAS BEEN INTENTIONALLY LEFT BLANK) ELEVENTH: Powers of Trustee and Executor. In addition to the powers and duties as may have been granted elsewhere in this Will, but subject to any limitations stated elsewhere in en2-wl/ ff' LAST WILL AND TESTAMEl\ OF REGINA M. MAGEL Pal!e9 this Will, the Executor and Trustee shall have and exercise exclusive management and contro] of the Estate or Trusts, respectively, and shall be vested with the following specific powers and discretion, in addition to the powers as may be generally conferred from time to time upon them by law: (A) In the management, care and disposition of the Trusts or Estate, the Trustee and Executor, respectively, shall have the power to do all things and to execute such instruments, deeds, or other documents as may be deemed necessary or proper, including the following powers, all of which may be exercised without order of or report to any Court: (1) To sell, exchange or otherwise dispose of any property at any time held or acquired hereunder, at public or private sale, for cash or on terms, without advertisement, including the right to lease for any term notwithstanding the period of the Trust, and to grant options, including any option for a period beyond the duration of the Trust; except that, in lieu of any binding shareholder agreement or buy/sell agreement to the contrary, the Executor and Trustee shall not be permitted to sell the stock or any other ownership interest in any business owned by me, or my spouse, or held in trust, at my death, without first offering the same for sale to my children, or without next offering the same to the corporation or business represented by such ownership interest for redemption, (2) To invest all monies in such stocks, bonds, secuiities, mortgages, notes, choses in action, real estate or improvements thereon, and any other property as the Trustee or Executor may deem best, without regard to any law now or hereafter enforced limiting investments of fiduciaries, except that the Trustee or Executor may not invest in any securities issued by the corporate Trustee or Executor, or issued by a parent or affiliate company of such Trustee or Executor, (3) To retain for investment any property deposited with the Trustee or Executor hereunder; except that the Trustee or Executor may not retain for investment any stock in the corporate Trustee or Executor, or in a parent or affiliate company of such Trustee or Executor (4) To vote in person or by proxy any corporate stock or other security and to e~ i1tI- A- ,.~ < .. '~.$~7~~Jl.',i;~t~:&~i'i<ii',?<!t~t,1:;",,?,:~:,,;: ',:;;',f' :.:',,,',.,,,,,'c. . ',' , ''''', :,;. ',' " . ,; '.,)'~:"~"'> ~ ~~ltti:'~~,;~~~~;P-M$.,.~'<:~"',~t'~,.(.,,}' of. >"._;..-:;. "'~\.~'_i-,~..'<,r-.''''''~ 'r~ , _ ~- ~ . > ~ "'''....,0".'' ~)jo~ "~:"~""~-"2,J:y._""~~~~:<;~~"~~!JI~,~~.I,\c'l'-'_"''''';'~("_'~:;''',",','.. .". ',', ",' .~. "." ~..".~.,~'<."..- ~f9 ,~~,'t?T$ ""~5~~-y~ >kj.:I4:::c"..,->1.....~')".c.,- ;~';~::ht~/..;-:,. : " " ',: , -" , _ ~/ '.,'~ ~~"',~::;~1::J} ~.. ~"'!;1t. ':. ~~'t'~ ~-f<.':;'j'?~.<::;.,,';',-%..I<....r~<:.<,~~ --:'". ,,' ". ,'( ,', _'. ~. ~, _\ ,'\J.~,,~'-,,~""_ y= - ~~-:-.- '''~!\F,rJ;.:c;,-~:.~i:;'f;r ...;~::..:;"J'.,,'".\.:.:. XL:': ,^, ."-~ . \ ~ ' ,,_;- _.' " , ;': -:..;/\. .}~ '~J , _,~, '.~I!':I. ~.....- ""~ _ . f-< _ ~.. t> <~. '{'~ '.... ~ ","'.,_'''' -". ~ .-. .... _ .-' .c_, _..... ,...;>V~ ~-""At,...o' '.. LAST WILL AND TESTAMf OF REGINA M. MAGEL Pal!:e 10 agree to or take any other action in regard to any reorganization, merger, consolidation, liquidation, bankruptcy or other procedure or proceedings affecting any stock, bond, note or other security. (5) To use attorneys, real estate brokers, accountants and other agents, if such employment is deemed necessary or desirable, and to pay reasonable compensation for their services. (6) To compromise, settle or adjust any claim or demand by or against the Trusts or Estate and to agree to any rescission or modification of any contract or agreement affecting the Trusts or Estate. (7) To renew any indebtedness, as well as to borrow money, and to secure the same by mortgaging, pledging or conveying any property of the Trusts or Estate, including the power to borrow from the Trustee at a reasonable rate of interest. '_T (8) To retain and carry on any business in which the Trusts or Estate may acquire an interest, to acquire additional interest in any such business, to agree to the liquidation in kind of any corporation in which the Trusts or Estate may have an interest and to carry on the business thereof, to join with other owners in adopting any form of management for any business or property in which the Trusts or Estate may have an interest, to become or remain a partner, general or limited, in regard to any such business or property and to hold the stock or other securities as an investment, and to employ agents and confer on them authority to manage and operate the business, property or corporation, without liability for the acts of such agent or for any loss, liability or indebtedness of such business if the management is selected or retained with reasonable care. , .. 1- (9) To register any stock, bond or other security in the name of a nominee, without the addition of words indicating that such security is held in a fiduciary capacity, but accurate records shall be maintained showing that such security is a Trust or Estate asset and the Trustee or Executor shall be responsible for the acts of such nominee. (B) Whenever the Trustee or Executor is directed to distribute any Trust principal or enz-n.../ ~ J ~._-~-'---"""'-'~"'~.~._.~~ _~_ _-.....r .-.' , : i ',I ~-;' j ,~~>l ~ I ""0 :f. ,..",: LAST WILL AND TESTAI\.~i"T OF REGINA M. MAGEL Pa2e II .~-;;; ,~ .,~;>: . )j.! ~-~~ ~%( ~. .~~: :ir;~.; -:;!;,:'f, ..~~ l'_'i;;~ 5,w. ~~. "otY ~~ :~t .'ffI.:~.. ..:;~~ .41' -~:r. ~f 0~'; .~~ .~I~; ~'J j~f.l ~~~ 3~~ ~~~.'\ Estate assets in fee simple to a person who is then under twenty-five (25) years of age, the Trustee or Executor shall be authorized to hold such property in Trust for such person until he/she becomes twenty-five (25) years of age, and in the meantime shall use such pan of the income and the principal of the Trusts or Estate as the Trustee or Executor, respectively, may deem necessary to provide for the proper support and education of such person. If such person should die before becoming twenty-five (25) years of age, the property then remaining in trust shall be distributed to the personal representative of such person's estate. (C) In making distributions from the Trusts or Estate to or for the benefit of any minor or other person under a legal disability, the Trustee or Executor need not require the appointment of a guardian, but shall be authorized to payor deliver the same to the custodian of such person, to payor deliver the same to such person without the intervention of a guardian, to payor deliver the same to a legal guardian of such person if one has already been appointed, or to use the same for the benefit of such person. (D) In the disbursement of the Trusts or Estate and any division into separate trusts or shares, the Trustee or Executor shall be authorized to make the distribution and division in money or in kind, or both, regardless of the basis for income tax purposes of any property distributed or divided in kind, and the distribution and division made and the values established by the Trustee or Executor shall be binding and conclusive on all persons taking hereunder. The Trustee or Executor may in making such distribution or division allot undividedTiifercSts ill the same property to several trusts or shares. (E) The Trustee and Executor shall be authorized to lend or borrow, including the right to lend to or borrow from any trusts which I may have established during life or by will at an adequate rate of interest and with adequate security, and upon such terms and conditions as the Trustee or Executor shall deem fair and equitable. (F) The Trustee and Executor shall be authorized to sell or purchase at the fair market value as determined by the Trustee or Executor, any property to or from my estate, the estate of my spouse, or any trust created by me or my spouse during life or by Will, even though the same person or corporation may be acting as Executor of my estate or the estate of my spouse or as Trustee of any of my other trusts. ~~ ",1/.. ".-:;r':'!"'F:c":-" LAST WILL AND TESTAMENT OF REGINA M. MAGEL Pal!e 12 (G) The Trustee and Executor shall have discretion to determine whether items should be charged or credited to income or principal or allocated between income and principal as the Trustee or Executor may deem equitable and fair under all the circumstances, including the power to amortize or fail to amortize any part or all of any premium or discount, to treat any part or all of the profit resulting from the maturity or sale of any asset, whether purchased at a premium or at a discount, as income or principal or apportion the same between income and principal, to apportion the sales price of any asset between income and principal, to treat any dividend or other distribution of any investment as income or principal, or apportion the same between income and principal, to charge any expense against income or principal or apportion the same, and to provide or fail to provide a reasonable reserve against depreciation or obsolescence on any assets subject to depreciation or obsolescence, all as the Trustee and Executor may reasonably deem equitable and just under all the circumstances. (H) If at any time the total fair market value of the assets of any trust established or to be established hereunder is so small that the corporate Trustee's annual fee for administering the trust would be the minimum annual fee set forth in the Trustee's regularly published fee schedule then, in effect, the Trustee in its discretion shall be authorized to terminate such trust or to decide not to establish such trust, and in such event the property then held in or to be distributed to such trust shall be distributed to the persons who are then or would be entitled to the income of such trust. If the amount of income to be received by such persons is to be determined in the discretion of the Trustee, then the Trustee shall distribute the property among such of the persons to whom the Trustee is authorized to distribute income, and in such proportions, as the Trustee in its discretion shall determine. (I) When the authority and power under this Will are vested in two (2) or more Executors or Trustees, the authority and powers are to be held jointly or individually by the Executors or Trustees, respectively. (J) The Trustees shall be subject to the Uniform Prudent Investor Act (the "UPIA") as i[the UPIA had been enacted in the Commonwealth of Pennsylvania in the form promulgated by the Commission on the Uniform State Laws in its exercise if any power to manage and invest the assets of the trust. The Testatrix desires that the Executor and Trustees, consistent with the standards of the UPIA, continuously assess the appropriate investment risk tolerance of the trust ~/nv ~ , "~""""-'- LAST WILL AND TESTAMENT OF REGINA M. MAGEL Pal!e 13 beneficiaries, and then invest the trust assets seeking the maximum total return at that level of risk. The Testatrix believes, consistent with modem portfolio theory, that the estate and trust total investment return will be determined primarily by the trust's asset allocation; not market timing or active management in security selection. The Testatrix believes that the estate and trust should diversifY its investments with regard to assets classes and individual securities to avoid uncompensated risk. The Testatrix does not intend to prohibit the Executor or Tmstees from engaging in active management of estate or trust assets where the Executor or Trustees reasonably believe active management can aid in achieving the desired balance between risk and return. The Testatrix directs that any Executor or Trustee, in managing and investing the assets of the trust estate, establish, in writing, an appropriate investment policy statement. The investment policy statement shall be reviewed and updated at least annually. I I j I j The Executor and Trustees may retain professional investment counsel of the Executor's and Trustees' choice; provided, however, a counsel so selected shall be either registered as an investment adviser with the U.S. Securities and Exchange Commission or a state chartered or national bank with fiduciary powers. If investment counsel is retained, the Executor and Trustees shall abide by the counsel's decision but shall not be held liable or otherwise surcharged for losses directly attributable to investments made on the investment counsel's advise. While the Executor or Trustees retain investment counsel, the Executor and Trustees shall not be required to review trust investments or take action on trust investments unless the Trustees receive written instructions from investment counsel. The Executor and Trustees shall have the power exercisable in their discretion to discharge such investment counsel and to employ other counselor to administer the trust without such counsel. Consistent with the standards of the UPlA, the Executor and Trustees shall have the responsibility to prudently select any investment counsel, to periodically review the performance of any investment counsel and to take appropriate action if apprised of facts clearly indicating that counsel is not perforJIling competently. The Executors and Trustees shall not be liable to any beneficiary or to any heir for the Executor's or Trustees' acts or failure to act, except for willful misconduct or gross negligence, in ~/ .. ,_.0 4 1 j ~,i"~'~,~,,-',lt,'L;,,,<'," ...~"'::::'::7::. 1 .1 LAST WILL AND TESTAMENT OF REGINA M. MAGEL Pal!e 14 directing the investments of the trust. -.. .-' TWELFTH: Ril:hts and Liabilities of Executor and Trustee. ~: (A) No bond or other security shall be required of any Executor. ,r (B) This instrument always shall be construed in favor of the validity of any act or omission by any Executor or Trustee, and any Executor or Trustee shall not be liable for any act or omission except in the case of gross negligence, bad faith or fraud. Specifically, in assessing the propriety of any investment, the overall performance of the entire trust shall be taken into account. (C) The Executor shall be entitled to receive reasonable compensation for services actually rendered to my estate, in an amount the Executor normally and customarily charges for performing similar services during the time which he performs the services. <:\\ ',,; ,",,' THIRTEENTH: Tax Elections. (A) General Elections. In determining the estate, inheritance and income tax liability relating to my Estate, the Executor's decision as to all available tax elections shall be conclusive on all concerned. If the Executor joins with my spouse in filing income tax returns, or consenting for gift tax purposes to having gifts made by either of us during my life considered as having been made one-half by each of us, any resulting liability shall be borne by my Estate and my spouse in such proportions as they may agree. In accordance with IRe Section 2632(a) and without regard to whether a Federal estate tax return is actually filed, my Executor shall allocate so much of the Federal Generation Skipping Transfer (GST) exemption amount as will fully exempt any generation skipping transfer which may occur under this Will. (B) Valuation. The Executor may, in its discretion, determine the date as of which my gross estate shall be valued for the purpose of determining the applicable tax payable by reason of my death. (C) Deductions. The Executor may, in its discretion, decide whether all or any part of e~YrV ~ '.1 :,~ ;;;";.' .~...' '~'-, .' :\'i', ~ II Ii ,it" ~" \1'f~ ~}r "'-.". ..~<!.'.~'j LAST WILL AND TESTAlnENT OF REGINA M. MAGEL Pal!:e 15 certain deductions shall be taken as income tax deductions (even though they may equal or exceed the taxable income of my estate and whether or not claimed or of benefit on my estate's income tax return) or as estate tax deductions when a choice is available; and in the event that all or any part of such deductions are taken as income tax deductions, no adjustment of income and principal accounts in my estate shall be made as a result of such decisions. FOURTEENTH: Definitions and General Provisions. (A) Survival. Any beneficiary, including my spouse, who dies within sixty (60) days after my death shall be considered not to have survived me. (B) Trust Estate. "Trust Estate" means all assets, however and wherever acquired, including income, which may belong to a Trust at any given time. (C) Children. Except for discretionary distributions which may be made unequally among a group of persons and distributions pursuant to a valid exercise of a Power of Appointment, in making a distribution to the children of any person, the property to be distributed shall be divided into as many shares as there are living children of the person and deceased children of the person who left children who are then-living. Each living child shall take one share and the share of each deceased child shall be divided among his then-living descendants in the same manner. A posthumous child shall be considered as living at the death of his parent. (D) Code. Unless otherwise stated, all references in my Will to section and chapter numbers are to those of the Internal Revenue Code of 1986, as amended, or the corresponding provisions of any subsequent federal tax laws applicable to my estate. (E) Other terms. The use of any gender includes the other genders, and the use of either the singular or the plural includes the other. (F) CaDtions. The captions set forth in this Will at the beginning of the various divisions hereof are for convenience of reference only and shall not be deemed to define or limit the provisions hereof or to affect in any way their construction and application. ~ ~ ,"'.;;>IO.~'W\"':<.""'.''''-'' jO,' .]';;,:",~ \~<'~1.....C.,j.1iIj..>Intl.,.- LAST WILL AND TESTAMENT OF REGINA M. MAGEL Pal!e 16 (G) Powers of Appointment. If! predecease my spouse, then by this Will I fully exercise the General Power of Appointment reserved to me in Paragraphs 4.02 and ]O.02(B) of THE MAGEL FAMILY REVOCABLE TRUST dated April 27, ]999. In so doing, I hereby appoint the entire principal and accrued income of said trust to my estate to be held, administered and distributed in accordance with the terms of this my Last Will and Testament. By this Will, I do not exercise any other Power of Appointment. IN WITNESS WHEREOF, I, REGINA M. MAGEL, the Testatrix, have to this my Last Will and Testament, typewritten on seventeen (17) pages, including the Acknowledgment and Affidavit, set my hand and seal this 27th day of April, ] 999. ~L) 07. 7f;~~ RE (.\ M. MAGEL 0 .j ~ Signed, sealed, published and declared by the above-named Testatrix, as and for her Last Will and Testament, in the presence of us, who have hereunto subscribed our names at her request, as witnesses hereto, in the presence of the said Testatrix, and in the presence of each other. Each of us further declares that he or she believes the Testatrix to be of sound mind and memory. The preceding instrument consists of this and sixteen (16) other consecutively numbered typewritten pages including the Acknowledgment and Affidavit. /! 'J#~ (!/J#:?tY ~ -4iP/I (print name) residing at ~ff~t5'It'~, /4- ~rwJ.W 1e1G1' L. WtlL((;~ (print name) reSidinga~~J~ - _j-.:,-,",j-~ r "'< " . p. ~.-.".'7 ACKNOWLEDGMENT AND AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA COUNTYOF tum/Jt4 (a.qd SS: The Testatrix and the witnesses whose names are signed and subscribed to the attached or foregoing instrument, being first duly sworn and qualified according to law, do hereby acknowledge, depose and say to the undersigned authority, that the Testatrix signed and executed the instrument as her Last Will in the presence of the witnesses; that she signed it willingly or willingly directed another to sign it for her; that she executed it as her free and voluntary act for the purposes therein expressed; that each of the witnesses were present and saw the Testatrix sign and execute the instrument as her Last Will; that each subscribing witness in the hearing and sight of the Testatrix signed the will as witnesses; and that to the best of their knowledge the Testatrix was at that time eighteen years of age or older, of sound mind and under no constraint or undue influence" ~ iJJ. ~d T estatri c-fuJ f'1.1.1Wt ) Witness Sworn to or affirmed, sub~bed to, and acknowledged, before me by the above-named Testatrix and witnesses, this;JJ!!. aay of April, 1999" tea u -c;I. 4~ /aJ t/l~ Notary Public My Commission Expires: TracI L Sep~ Seal " Ca~isle iloro. ~ ~fC.- My Commission Expires May 31, 7ZGG, PA REV-1500 SCHEDULE A REAL ESTATE ESTATE OF REGINA M. MAGEL FILE NUMBER 21-2002-0983 PA REV-1500 Schedule A On October 21,2001, Frank M. Magel passed away and was survived by his wife, Regina M. Magel. Mr. Magel left a Last Will and Testament dated April 27 , 1999, that established the Frank M. Magel By-Pass Trust. Frank A. Magel (decedent's son) is the Trustee of the By-Pass Trust and ReginaM. Magel is the Beneficiary of the By-Pass Trust. On January 20, 2003, the Pennsylvania Inheritance Tax Return was filed for the Estate of Frank M. Magel at File No. 21-02-0216. At that time, the estate elected to pay the inheritance tax by completing Schedule 0 and paying the tax. On March 24, 2003, the Department of Revenue issued a Notice of Appraisement accepting the assets and calculations as reported on the inheritance tax return. At her date of death on September 27,2002, Regina M. Magel had a 43.67% interest which is her marital portion of the assets of the Estate of Frank M. Magel. The remaining 56.33% is held by the By-Pass Trust. At her death, Ms. Magel had a 43.67% interest in real estate located at III West Winding Hill Road in Mechanicsburg, Pennsylvania, and 121 West Winding Hill Road in Mechanicsburg, Pennsylvania. See attached real estate appraisals. TAX PARCEL NO. 42-26-0241-025 111 WEST WINDING HILL ROAD UPPER ALLEN TOWNSHIP 1,'. ,,' I' \.,,' ~' , ") {:" ',' 1 ,c;, .. j >' ',,, , ,-.-- "'I ~ nc I' ) J FIDUCIARY DEED THIS DEED is made this JJl!!day of t/ /' / . 2003, by and between FRANK A. MAGEL Executor of the ESTATE F FRANK M. MAGEL, as hereinafter described, party ofthe first part ("Grantor" herein), AND REGINA M. MAGEL, widow, having a 43.67 percent tenant-in-common interest in said property, and FRANK A. MAGEL, Trustee of THE FRANK M. MAGEL BY-PASS TRUST, under Will dated April 27, 1999, as hereinafter described, having a 56.3 3 percent tenant-in -common interest in said property, parties of the second part ("Grantees" herein). WITNESSETH: WHEREAS, the said Frank M. Magel, deceased (hereinafter "Decedent"), became in his lifetime seised, in fee, of and in certain land and premises, more particularly hereinafter described, and being so seised thereof, departed this life on October 20, 200 I, having first made in writing a Last Will and Testament dated April 27, 1999, and duly probated and registered in the Office of the Register of Wills in and for Cumberland County, Pennsylvania, at Estate Docket No. 21-02-0216, wherein and whereby Letters Testamentary were duly issued to Frank A. Magel by said Register of Wills on June 28, 2002; WHEREAS, pursuant to Article Seventh of the Last Will and Testament of Frank M. Magel, The Frank M. Magel By-Pass Trust under Will dated April 27, 1999, was formed pursuant to Frank M. Magel's death; WHEREAS, Article Ninth(A) of the Last Will and Testament of Frank M. Magel nominates Frank A. Magel, Grantees herein, to act as Trustee of all Trusts created by the Will; WHEREAS, Article Fourth(l)(a) of the Last Will and Testament of Frank M. Magel, sets forth the portion of Decedent's estate that shall be allocated to the By-Pass Trust; WHEREAS, based upon the values of decedent's estate, it has been determined that the portion of Decedent's estate that shall be allocated to the By-Pass Trust is 56.33 percent; WHEREAS, in order to comply with the Will's directions and maintain clear title to the property, Frank A. Magel, as Executor of the Estate of Frank M. Magel, desires to deed a 56.33 percent tenant-in-common interest to himselfas Trustee of The Frank M. Magel By-Pass Trust under Will dated April 27, 1999; and WHEREAS, the remaining 43.67 percent interest shall be transferred to Regina M. Magel, as beneficiary of the remaining portion of the Estate of Frank M. Magel. NOW THEREFORE, KNOW ALL MEN BY THESE PRESENTS, that Grantor, for and in consideration of the sum of ONE AND NO/IOO DOLLAR ($1.00), lawful money of the United States of America, unto Grantor well and truly paid and delivered by Grantees at and before the sealing and delivery of these presents, the receipt whereof Grantor does hereby acknowledge, has granted, bargained, sold, released and confirmed, and by these presents does grant, bargain, sell, alien, enfeoU; release, convey and confirm unto Grantees, the heirs, successors, and assigns of the Grantees, ALL THAT CERTAIN piece, parcel or tract of land situate in the Township of Upper Allen, County of Cumberland and State of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a spike in the center line of a Public Road leading from Graham's Schoolhouse to Chestnut Hill Cemetery, which said road is known as Route No. 21025 at comer of lands now or late of William E. Brubaker and wife; thence along the center line of said Public Road, North seventy-six (76) degrees thirty (30) minutes East, four hundred twenty-three and six-tenths (423.6) feet to a point in the center line of said Public Road at comer of lands now or late of Theodore R. Trimmer and Grace I. Trimmer, his wife; thence along said lands, South eleven (11) degrees East four hundred forty-two (442) feet to an iron pin at comer of lands now or late of Theodore R. Trimmer and Grace I. Trimmer, his wife and lands now or formerly of Fred L. Glaise; thence along said lands now or formerly of Fred L. Glaise South seventy-nine (79) degrees West four hundred forty and sixty-five hundredths (440.65) feet to a point on line oflands now or late of William E. Brubaker and wife; thence along said last mentioned lands North nine (9) degrees twenty (20) minutes West four hundred twenty-three and seven-tenths (423.7) feet to a spike in the center line of the aforementioned Public Road, the point and place of BEGINNING. HAVING thereon erected a one story frame dwelling and other buildings. THE AFORESAID description is made in accordance with survey made October 28, 1957 by W. G. Recehel, Registered Surveyor. TOGETHER with and SUBJECT TO the covenants, restrictions, easements, rights-of-way and servitudes set forth and referred to in a contract of sale between Harbo, Inc. and David C. Cleaver dated June 20, 1973 and recorded among said Deed Records in Deed Book Volume 688, Page 823. BEING the same premises which Frank A. Magel, Successor Trustee of The Magel Family Revocable Trust dated April 27, 1999, by his deed dated August 14, 2002, and recorded in the Recorder of Deeds Office of Cumberland County on August 16,2002, in Deed Book Volume 253, Page 904, granted and conveyed unto Frank A. Magel, Executor of the Estate of Frank M. Magel, Grantor herein. THIS IS A TRANSFER FOR NO OR NOMINAL ACTUAL CONSIDERATION OF PROPERTY PASSING BY TESTATE SUCCESSION FROM A PERSONAL REPRESENTATIVE OF A DECEDENT TO THE DECEDENT'S DEVISEE. 72 P.S. ~8102- C.3(7). TOGETHER with, aJl and singular, the buildings and structures thereon, and the improvements, ways, streets, aJleys, passages, waters, water-courses, rights, liberties, privileges, hereditaments and appurtenances, whatsoever unto the hereby granted premises belonging, or in any wise appertaining, and the reversions, remainders, rents, issues and protlts thereof; and all of the estate. right, title, interest, property, claim and demand whatsoever of Grantor, at law and in equity, of, in and to the same. TO HAVE AND TO HOLD the said land and real estate, with the messuage or tenements thereon, and the hereditaments and premises hereby granted, or mentioned and intended so to be, with the appurtenances, unto Grantees, the heirs, successors, and assigns of Grantees, to and for the only proper use and behoof of Grantees, the heirs, successors and assigns of Grantees, forever. AND Grantor, for Grantor and the respective heirs, successors, executors and administrators of Grantor, by these presents, does covenant, promise and agree to and with Grantees, the heirs, successors and assigns of Grantees, that Grantor has not heretofore done or committed any act, matter or thing whatsoever whereby the premises hereby granted, or any part thereof, is, are, shaJl or may be impeached, charged or encumbered in title, charge, estate or otherwise howsoever. [The remainder of this page has intentionally been left blank.) IN WITNESS WHEREOF, and intending to be legally bound hereby, Grantor has caused this Deed to be duly executed on the day, month and year first written above. SIGNED, SEALED AND DELIVERED IN THE PRESENCE OF: ESTATE OF FRANK M. MAGEL: ,/' / / -~"7 / /;r-f;;:o;? , & 'A41~ o /(ji.~ vi ~ / / . (SEAL) FRANK A. MAGEL, CUTOR ,.~,,/ // COMMONWEAL TH OF PENNSYLVANIA COUNTY OF &{(}1/J.t1/Cl/ld On this, the IVfhdaYOf ...4;tJ1' /' / .2003, before me, a Notary Public for the Commonwealth of Pennsylvania, the undersigned officer, personally appeared FRANK A. MAGEL, who acknowledged himselfto be the EXECUTOR OF THE ESTATE OF FRANK M. MAGEL. known to me (or satisfactorily proven) to be the person whose name is subscribed to the wi thin instrument, and acknowledged that he executed the same for the purpose therein contained. SS: IN WITNESS WHEREOF, I have set my hand and notarial seal. Ut2J/d ~/~.t<(d C Notary Public My Commission Expires: Notarial Seal ~ L Sepkovie, Notary PUblie ; M yne Bora, Cumberland Coun.',' " Y COmmission Expires .July 7, 2003 ! Member.Pennsytv~ni:~p.C''''''''.;ir,' . .~--' CERTIFICATE OF RESIDENCE I hereby certify that the present residence of the Grantees herein is as follows: Frank A. Magel, Trustee The Frank M. Magel By-Pass Trust III West Winding Hill Road Mechanicsburg, P A 17055 RETURN DEED TO: Frank A. Magel, Trustee The Frank M. Magel By-Pass Trust 111 West Winding Hill Road Mechanicsburg, P A 17055 -:> .~"7 , / . / /,',:- ?:--~~~'-_.- Attorney for Grantee The followinll space has been reserved for the Recorder of Deeds recordinl! information: 02ALlI62 ARMAN F. I.EO. APPRAISElt APPRAISAL OF A SINGLE FAMILY RESIDENCE LOCATION :IIIWindingHiIIRoad Mechariicsburg PA 17033 CLIENT : Gates. Halbtuner & Hatch 1013 Mumma Road, Lemoyne, PA 17043 AS OF DATE : July 27, 2002 A P P RA I S E R :AnnanF. Leo, CREA Do,. One Formo for Windo.... 1995 lIOO-GET-DAY' ARMAN F, LEO, APPRAISER Gates, llalbruner & Halch 1013 Mumma Road. Lemoyne, P A 17043 1n accordance with your request, I have personally inspected and appraised the property located at: tIt Winding Hill Road Ml':chanicsburg PA 17055 The purpose of the appraisal was to estimate the market value of the property, as improved, in unencumbered fee simple title of ownership. The subject property consists of: 7 Rooms 3 --Bedrooms 1.5 --!3atli~L~::: The Ranch style residence contains Gross Living Area. It is my opinion that the estimated market value of the property as of July 27, 2002 is $ ]75,000 2,476 square feet of The above information has been automatically extracted from the appraisal and inserted in this cover page. Respectfully submitted, ArmQ~~;I 0.., Ofl'lFQlm,'orWmdow., t997 1 BOO.GET.DAY1 SKETCH, MAP AND PHOTOGRAPH ADDENDUM .!jorrQw;~lCHent Estdte Fr~nk Ma\..lel !'.rQJl!lliY Ad~re" III rn W.' Windin<,j Hill Iluad City. Mechanicsburg CountvClEI1ber land State Pa. Zie Coge 17055 Lender Gates H.':I.ldnmpr Ii. H.'1trh LAYOUT SKETCH 26' 2a' l.'',:;fT "i1.i.a.ge- 50' ~ 34 ' . I Patl , 1~16' I-- 12 ' Fl 25' 25' I , RsJ 26' 18' LOCA TION MAP (*SUB.JECT PROPERTY) - --.- ". ..- \ 8 -- 1'1 Zl l''I'\~\'(O t~f~. z,,1) n. 7 {!!" . , J' . " . "v' ,1::- ~ ) I .....' ~ ""'r g IRE' F~oic ,I ,. . , .2!i' - .L_____ } J a 4~OJ"'" )~'~~iZP~ ~,,{ L REGIONAL MAP ( ~ /~ '\\, /;;/// I (&::~~'"-. /i"",h i__/orn:;~jIYMi\IS \': .. __-/" .- L ;~ql ~!! I i ,0_ _ . '_,17- oA"", .~ --/ D":<' /' i ., '.:.-~,. ~,~ Newport- i ,-- - -- ~ l-----{' ,Halifax I rfl~~0 ~ /r2~eW)BU;:::mora:""<i/' ,," I Mckee ,/ ",-<<'OOSI ,\J!"";) , I v ,New Bloomfield ,..-Y'{ \22", ',( '''I I _______~ / t,. '09/0 , ';. 1"""'--- Y /:'~' /)lw.nn:.-<'1" ,> ~ ----- I / ~,'-o,~,,,., \" 0 h" ",'" ~~ I ~1J.4' ,pellvlUe 7- aup in?31 ,dr.' l Heaton B5D 111 Linglesto\VrYI:.'~ -11.- ,-i..a ~d~ Shermans Dale '850~ -~ ~ '-'C /_~~"~'-~ ~sum~:~ 'n' p~n" \ "- _.J ~omeIlYIOWTl .JComp2 ~ / Enol rdJ '- ~ 134, JS<< L t T,.-- I 1~~1:Iar:r:iSl:iurg 8 ~.- atllSle Spnng!> 1114~"--4-weSIJ;::unl"'''' (\y ---:J) oRult':ertc~ -~:~ ~ '51. 2 ,- r 'Goodl~O",~/' 0 ~ ~~~ I (" """,c" ~"~~\F ffJ.:_ (.~ -"t~( i I 11.v,. ~~ New Kif Comp l ~ -ei~\t58~ 1~" 5trelton I I(I"~ -f:i?1.-:- j la7~1115burgJUncnod~'te~ans10wn~ A\\endale lW\) "- ,,' - ---:...,.. ~.;' If ~...:-....;. 4"'1echamcsDurg' ,\.,~~\ -;;:. ~J032 <>I"~- r~ar!~~-!~- - lJn~dlaErD y , ~"8 \.~ 12JO~ ~-:~ ~465 __.jJ~~ __&41 . i ..0- t>. Middle~j_ "'-"" , 2-=;.v1- =-~""'@'~ ',,,'JPl \~' "- R,,- Cumb and - -. L ~ )4 \.151. __ Bl;)wmansdale ~38:z1 ocumtown ''''-"''' ~ fl-. Grantham ( ill 4 (,'/ --J - BOiling Spnngs _ \ ~_ 177.1 ...--/- Mt Pleasant -' 3 26.2; ,_ Mt Holly Springs .' " ~ \:,IF'k- . 'c"\.Y/"'~~, \A"~ .~I '" \ .// 01/i1'~\"'H'" Frank~:GI~/' '/- ~ ,,'. \ /II '" \ ' II. <Oi' ,! I "" '\IT 1 _.)P..C~d~~~~e \II?'~' <---,,~~J:"dian ,/~""- \ ,/' ~\\X ,,:".' t 11,-,,,, \ _ -,w..J\,tJtIl ,_____ '~I_~ . ----=-- ",,~~~~,~er~ ''', ~~)1"\ I '", c", I ~ov.r ~~,.x"'\ 10 .. I .Ben~~:;~'~ ( )-----"... /.~;!f-.ef~r~ShilO~ ~blr, I /\ ~/ Ad~lIre, _T~: ~~fS:'\-:;' '--y:' _ \_, .T.,vo". .\\tt=' c' I :2)4 I ---.!Ivep Is / ''y__~ "C"(,'~ ../.;.' >, lA.'- j \'---'----/' ,;; J"\/" Ea~tBerll:~~"""'" ',~,t ','" w~~:~~~, '"", II ." 'Th>:O" ,\"., '/ '^ \'*' "\,,,,, -' rl( Iltr. ./ ,\'" \ Abbottstowo/ '-I t( \ ~ '''' Ad.!..lil '--..r/,,,,,,,,""""'"'' "'\(],l,_ \ ('.' Spring Grove 1:.r'"\IP ! \ j"" -&-30 f' (\ \._----.-_J j 16161 12141l ___ \....~ )....,2001 f)"~'rm~le.)("\I..~~,~';"~~I;llT.I,,".IlCIIlIi2t~11 __ _ _..\ _____ __,.::::.. \L~j;~ 1.5!.6.1~J{):;,' _, ...),.:iD"I~ganVIII~t7 \ J3J , Good,,'We ..c :::==:.--1-... ----=:,..,8i; ~_ ~"''---'- ~ oCa,~~'.. .OauPh\[) H' ,I' API'llAISAl. ADDENDUM AL CONIJI'I1QNS PllOI'EfiTY ADnllESS III W. Windiu(f Hill R0ad. Mech.:illicsburg, Pd. 17055 Tho fullowlnK checied hems nro 8/lcclfiu eDlIdlllollllhat wcrllldcnlUJed by Ihl"PIlr,li,1 dnrlll8lJIO Inlpecllun uflllo RubJcct flrnpcrly,lho cOlllpnfBbl1l !olel _I their Ilclghhlllhnncl!lllnd l0c8thlllJ. Ullle.. olhorwJ.o noled.llae cundlllomllhallJ1ply to 1110 lubJecl prullerly un lho oOmpllI!:.~1 used DO NOT IIffe={ the lIIlll kill vBllIO of tbo ftlhJl'o nllukclahllJl)' oilha mbJec;t IIropcdy bclllgapprllllCd. _I.) Tho suhled P lucalcd In a rlllal area and II lell thlh 2~" buill-up. 'nli. candlllon II lyplc.1 and cOInOlon for 1110 meall and DOES NOT aEEect lhe 1I11l1l<olvlIlull nl'jlllurclUllfkclabllllroflhc.llbJccl. 2.) Cnmmelclal Mea arc lucaled wllhllllhelubJcCl'1l nnlghboritood. Thcn IlIes.ra typlclllufllmllar lIl::fghborlioodl 1I1l11 DOES -NOT BrfccllheUllllhl VltlIlO 01' fululc mnr~ellblflty uflhtllubjecl. J.} Illdu,lrllllllle8l1re loenled within Iha lubJect', nlllrlhhlllhlJOd. TIIO prC't:llce ufllllhltlr!al use. I. tYIJloal ofilia lIelghhmhnud nnd DOES ~~: ~ -lIffcellhe lll&lkd v&luu IIr lhlurc markelllblllly uflhe lubJcct pro}lCrly. _4.) VaclIul '!Iud 1II1dcvclflJlcd land IUCIIlrC located wllhllllhe lubJecl'1 neighborhood. 'ntCIC UICllre typlcll for tbe IlclabboJ"ltuutlautl DO KO " affcc! thc IiIl1rkcl valUllur Ihlllrc mlllkellblllty Ufthl;llUbjllllt proputy. _.'5.) 'fhe (li'cdlllllbwtt vllluclnlbo noJghbudlllOd II 1l;~lllhan thomarXlIl valueorllle .ubJe.:t pOlpcrty. TIIIIII rllIO 10 Iho very wide range o[n... o( !'~I""'llle!lllll'mnrtln II.ul.'lllllr.rlllt (Iuollly o(IIIe !I:t;JCCI II.ulletly. '1111, c:;outllUulI nOBS NOT ICfacl1l1o llIul!;:cl \'ulne: uflhe 1I11IJjCIlI j}f lis ;'. mmk:::lllb!!!t}', _6.) Tho st~lcel pruperty IlIlucllted In !I. I'. J. A. identlfled flood zono. TIlllcondltlon DaBS NOT Iffect market Vllue or future 'D1ukctBb!llfY C::. lhe mbJcct WIlClllloOlilulurallCt covcuguis.cqulted. 7.} Dampncu" noled flltho bb'ClnDut O(IltDlllbjeot. Thill condlllob 1. condclD'cd typic_I in dWflllln.1 o(lbll .tyle IRlI DOllB NOT afft~[ -markct value orfi.tlura lllarkctnbllHy uflhD,Iulrjcel. Sl~\lllnl ornmnblg Waler W'I nul presCJlI un tho balCDlent fluur. XS,) Tho subject Is older thsn UyO (") yea,. okl. All JRllahllllcall)'NIDI, Itlcludln.lha IIcatlng. Illcctdcallnd plUll1blnglYllellls, appcar upon vllual hl!pectloalu be In wOlkllly ulllor. No .arr.utllll 'a.ra Impllcd III tllIl ltatcmcnl _9.) Thc eleclrlcallYltOn! WIS Ilot cUfUteclcddudng Inlllcetlon. _10.) The \VBlor IIIlrvlcc WitS 11111 connected during lnlpoctlun. _II.) 1110 Ill~aUnl.ysh'lI! Wftl shutdowu durln& III.pectlun. 12.) '1110 uuelnenl Chlllr III I dlrl Oour. lhlleomllllon II tllnUUlin IlId typical ror 1110 IIICllIO Ind DOns NOT Iffecllbo markol vnllle III fulure -11l8lkellivillty ullhc JIlIJJccl. Tho prclCRce oCa dirt fluor DOllS NOT pOlO 1IIIIIIIIh IIr "lIfoty hlzard. __I].) The Ju[,je::llll"Ollllny tltlC! (lullhtlllfuudlunlllllbsololcenuu....lluICd In lllCl report. TIlla coudUlull II cUIl~ldetetll)'plclll alld UlIlIllUUll lor ;,j;~ IIrOR 1I11lllhb 51yklllwclllll.ll alld IJOllS NOT.reect tho IRltrkDt vlluo ur lbtlll'o mlrkalllJlllly lI(tho ~ubJect !UOpcllY. 14.) Tho land ,.Iuooxceed. 30% urtho loW value dllo 10 blgb mldd for YlCa1tlllJld In lhI.nolgbborhood. 1111. condition I. oonsluercu - common olull)'JdCII fur Ilia nelahuorhood ad DOIUI NOT dTccllho market vllue Dr lbltUll m.rkctablllly ofllll: IUUJCct Jlroperty. _ t '.) '1110 land wille elCcaed. 30~ of UIO total ..luo.nlP JJ dualo Ib, I,rlo dH oflbo .lta. Thl. coadllloR I. ODnlldorcd 'u bOlyplcal nnd common 11IIt UOES NOT I\ffeclllto nlll'kctnluc or futuro mlrkctablllty oflbo IllbJact pruperty. _16.) Intllvldud a4JulllnclIl. worc reqlllred Illa1 nccctl JO%. ncn adJullmenl' ~ required duo to die lack u( nmre Ilmllar cumparablelln 11:: !lIbJect'lllIarkd.nclaIIUllrllulld. Alllhroo ~par.bIOl aro c:onIldercd 1110 bClII'Vllllblo. _17.) The tnlBlllljllll.mclIL txcccd 1'%.111" b duo 10.lhelaok afmolO .Imll., compllrablClln tho lubjool'. IRlrkal aren. __III.) (lue tlr IIInl1lo(lhc eumllulblel.re oitlr:r tll.n Ilx (6) rnonlhL Althou.b lhm 1111 comparablo propcr1lelln tbo lubjecl'l area lIonc hal'c 5ultllcccnUy, tllmllline, 5ltlClIlu eXCCIII of ilia. (6) lIIonlhl old bid to bowed alllll[ce cUnlfllrlblct u.ed wcra the bClt'.v.lIoble. ~ 19.) 0110 Ilr 11118 oCtlte comlllr.hh~. IIlcd Inro 10C8!cd mo.olbm:' . ( ) ()IIC mlJa fill mlllln IllCIlIIUlU, ( ) Thrco .1101 fur IldlllrhllllloclUonl, ( ) Rye mllcl fnr ruBllooallonl tl-om lito IlIbJoet. Thela comparahle! WOIIl seluch:u nAer Ilhtllllllgh 81':UfCJt nflhoarca,lbe)' 111"" hlClled lit IhllItoll!ltborhnllll Ilmllnr Inlh" .uLJect'a 81111.10 cllnaMercdtll he the vel! CUllIllll'lI.ukl.nilIlLlt. _20.) RuaflllU ca-UncalJun15 Illg8C!lcd. _21.) Plumbing callnuaUulIls !UBgll5led. _22.) mcctrlcalCCfllflcnLlulIill1I8Qcsled. _23.) HeRting ccnUlcatlLm Is IURBcllcd. _2~.} Flood IfaZIJdlnsurRlIca II luggesled. _2$.) Seller Is l'ayJ.g l'IUI or all ClrbIlYc~' clulln8 co.l.. 1'111. DOns NOT affect Iho mlrlr:e! Vlluo or futuro markal8blllty uflho lubJect propertj'. ~ri.) There arc 110 Bpcclnl CUl1l1llltll11 or olh~.equlremenl.J Iltlt would affeelmlrkcl VllhlO olfululI markcleblllly 1/11111, AI'pralsal Report. _.in) _t2R) The IlCrHIII.II",lpCI ty Ill~ludcd In tile I. oCthe IllbJcct WI' not Included IlIlha mllkel v.lllo nCtilo .ubJect pmllorly. ik'::;Jd._'llt~..Jl Thll _____ ,,"nlnll UOUR NOT Il&ct lito l~roscJ\1 IIr Ihluro lDaI'kolahlllly ofllle IlIbjoo.l. ~9.) 'l'IlIs npllrBbll wns preparcd In compll.-e with Ilegulatlon 11-4IC. -..:(311.) III thl., npJllmlllUlIIRlIlIlcnl, lite exlllCla-ofllolanllol hnardouI IlIoterl.11 or 10Klo lubll.nc:u Uled In cOltllructlon or lIIalnlfIJlIlRCe Ull tho IlIlIl'o,I)'. ~lhJI liS 115CS fUlIllilllllll1l tll\'lwIlQICI\t, formaldehydo la,ullllon. rllduDIUCI. loxlo wule, oto. whlcb mlY flrmay not bo presDut outh= ptorlClly, 11lU nul bet:11 cUlIsldercu. Tlla alllllllbcr Is IIUllItlaUJfcd 10 delocllllcl1~uullDllcCJ we urlD tbo ollenlln relalu DlIllxpert regaullug lhes~ IlInUelS. r;:;. ~/ ~?"^- --,..,,E <.O~~ ___L____..__ I lhIc----luly 27. 200~j)i~rRIScr Statement of l ing Conditions File Ii: 2..\1. II ~': '; OEFINITIOi\; OF \1 A IU...ET V.-\LllE: I'he most prohahle price whidl a property should hring in i.I COI11Pl.:I:li\<; ,;,,-: ,'-, unJ<.:r :J1l..:oIlJil:,':L, n':ljul~ilc to i.I fatr silk. the hUYCf ',md sdler. <,;;lch ..Kling prUl.kntly, J.:nowlcdgc;lhly ,mJ ;lSSIl!11in;,: <i11..''':It'J by (Hid,' 'lillllllus. Implicit in this tldiniti\1l1 is tlw \:\\r\s\\\llJ.\inn pl' <l '-uk <.IS Ilf OJ spceilictl ,hac ;lIld (11..: [n,' frlllll sL'lkr [p IHI." ..'I under clll\uilillll.. whcrchr: (I) huyer :JuJ ~dkr ;\fo.: typi..:a\ly m\)\i\'~l\l.::J; (2) h"t!i pdrlic:; ill;.; I'c':; \\dl ...J\isc'd. ;m,j ,';1\.:h acling in \l'hat he considers his ulI'n h<.:.,,( intero.:sl; (.11 a r<;;J.~ln;).hk time is ~\\\\\\\'>.:J rnr C"r(l~l~ lllar!\J.;l; ,.J) PdYIl~~'lll is 1l1i.ll.k in terms of c:'l.,h in tLS. JolJJrs or ill !e,ms of lil1<lllCi:.lI :.lrr<ln!;,<:mcnls ctlmpi.l.r~\hk \b.:r~ ,\: ~ pri<.:..: r..:pr..:~o.:nls t:\~ nOrlll;J] 'unsider;Jtion IIl1' tllc prnp..:rly slllJ UIl;1lf,':II:J by sre..:i~,L! or ..:r..::lIivc lini.lncing!lr sClIL'~ ~c g,r.I\II<.:Jhy <ll\Yl'ilL,' 'J~s(l..:i;Jteu with Ih':s;J1c. . l\djustOlcnls 10 th..: ..:utl'parahks must b..: m:.llk fur spl:dul or ..:n::.ltivc l"1011n..:ing or sal<.:s ..:unl.:essiuns. No ;Jdiustnll:r~~, ~~-' nL.'I:CSS;Jf). !llr lh()s<..' ":llsls whio.;h arc norm:J.lIy paid by sclkr:. <lS:.l result u[.lr;Jdition or law in the m;JrkCl are:J.: thes..: c('s:, ~~: rcaJil)' idenliJi:.Jhk sine..: lhl;.' s..:J1l;.'r PllYS these costs in virtuully i.lllsales transactions. Sp-cd<:ll or cp.:ative linaneing JJ::"~ e:ln he made hI lhl.: wl11purablcpropcny by ..:ompilrisons 10 lin:lneing lerms llfti.:red by :.llhird parly im;tit\lllol1al \cn.::r :~,_. nOI alr..:ady invoh cd in Iho.: propCfty or tr:Jns:letion. Any adjustment shuuki not be calculated on a me....h.u.llio.;;;l J\!llo.J( ';\.)-' Ilw linandng or I,;oneession but the dollur amounl of an)' adjuslmenl shuuld approximale lhe market's rea<.:lion III ih,' . ,- '~ or C<]r\cc$$illn$ b.,\~..:J on Ihe appraiser's jwJg..:mcnt. STATEMENT OF LIMITING CONOITIONS AND APPRAISER'S CERTIFICATlO,\ CONTINGENT ,,\:'1/1) LIMITING CONDITIONS: The appraiser's eertiti<:;;li<m tha\ appl.'ars in Ihe <Iprr<li,~:Jl r<.'fwn 111<..' Ilillo\\illg<':lln.jilions: I. Tht.' appraiser '.\ ill nul he ro.:sponsihlc for mailers or leg:Jlmlure lh:ll ;Jffi:d eilher lhe prnperly h..:ing appr:lisl.'u or Ii,: ('ht.' ~ll'l'r;liS<..'r a:'S\lmI.'S Iha\ Iho.: trill.' is glll)U <lnU marKelahk :JIlJ, Iherclllr..:. willD!)1 rcmkr allY llpillillllS ablillllhc till-.: rrlljl..:nr is appr..i~..:u WI the hasb of il l'l\:i\\'6 ulll.lo:r r<..'~pllnsihlc owm:rshir. 2. Thl..' :Jppr:Jisl..'r hJ.~ provided askelch in the appr..lisal rcrort to ~how appm"ima\l.' dimensions 01 thl;.' impro\'emcnts ;;r.J ~kelo.;h i~ indudeJ llnry In a~sisllhc reilder of the repurt in visu:,dil.ing the prnpeny ;Jnd ul1lh.:rSli.l.nuil\!; till.' ..ppruisds":"':~:: . ofilssile. 3, ['he Llppraiscr \1.0\$ examined Ihe avail!lble l100d milps that :m: provided hy the Federal Emergency Managemell! '\6:::r.~', d<ll:J sourcl.'sl <lnJ h~s. noled in the apprais.al report w\lt:lher the subject :;il': is loe.lIed in Lln identified Sped;.!! F1uoJ 1 i.l.::;.;r...: IkC<lU~C the arrraisl..'r is not a surveyor, tv.: ur she m"..lk\:s 1\0 gmnall\<..'l.'. express or implied, regLlrding 111<..' d.:lermil1;.!li(\:l 4. The appraiser \Iii I nO! give lestimony or appear in eourl hecause he or she made an appmis"JI I)flnt; property in que" \'~, '~- speeiti..: arrang<:lllcrl1S In do 51) have l1een made hcJi.lI'chand. 5. The appraiser has estirT1uted Ihe value orlhe land in the cosl appro:!..:h at ilS highcstllnd hest use and lhe imprpvcl11cr.:s.:: ctlll.lrihul(lfY \"o1\U\.'. These scparuic v;llu:.lIioJlS or the land and improvements mUSI nOI he useu in umlUnelio!l wilh dill ,':I,,'f apprais<ll and arc iO\''-1tid if\h..:y ar..: sn uSl.'d, 6. The <lppraisl:r h;.ls noled in lhe uppruisaf report any adverse l.:ondilions (such as, needeu fl.'puirs., depreciation, lhe prl.'Sl.'Ill.''': hal.arJo(.l~ wast<.:s, (I.xie suhstanl.:..:5, de.) ohserved Juring thl.' inspCl.:lilln oflhc suh[eel property \.Ir lh<l( he \Ir ~hl.' h<..'l.:;.\Illl.' ~'.\ ~f ~ or uurillg lhe 1101'01...1 n:seareh invulved in p<':flilrming the appr;li,\..d. I Jnlcss lllherwi:;e staled in lhe appr:Ji~al rept1rl, llv~ '\i'r;-: hu:-o 1m \..I\\)"kdgc or any hidden ur unuppar..:nl t:undiliuns uJthe property or adverse envirunmenl:JI wnditiuns (ineluJir1O; 'i.;; pr<,:,~cl1~": ufha/.;.m.l<l\.ls wasle, \oxic SubslMces, cle., thai would make lhe propeny more or Icss villuahle, anu has ilSSUI1~~"': ;::~: Ihcn: iln: no such ..:onJitiunsand makes nu I;uanmtccs or warranties, express ur implieJ, rcgurding the condition of th..: rn)r~'r:: 'I'he appraiser willll,JI he respunsible lor any such cnndiltol\s 11\<1\ do exislor for any engineering (Ir testing Ihal might he rl.:ljuirl.:J 10 Jiscon:r whclher such conditiolls exist Uec:Juse the appraiser is I\ul al\ expcrt in tbe lielJ or o.:Jlvironl11e!llJI h.l~J;"': the appl':JisJI report mUSlnol tic l.:onsiUered as:.Jn environmental :Jssessmenlurtne properly. 7. The Jpprais.:r ohl:Jined lhe information, eSlimaleS. :Jnd opinions thilt were expressed in the appraisul n:porl fwm snur[(:'s ',r,~ (If sil..: c"n~itlers III h..: reliahle and helieves thcm ((l he lrue and LnrreeL The uppraiser does !lol aSSlI!\}<..' r<..'spol1sihilil)' I"r ti',,,; al,;l.:;J,,;;,;;y HI ~lIcll ;,....jio. \Ih,lt nl:re fumishl.'u by olher p:Jnies. 8. Tho.: Jpprais..:r 1\ ill nOI disdose tho.: contenls "flhe >.lppfai~a\ rcpnrl ex..:ept as provided Ii.lr in tile [Inililrlll SIi.lndJrds 01 l'nl!i.:s.~illnJI i\pprJi.'iJI J'ra":Lice. \). The ~ppr...i~..:r ha~ haseu his or hL"t <lppmisal report ...nu \lJluillion condusion tor an appraisal tlw.l is suhie<.:\ \0 ~Jti~LK\L'r: \;\lmpklmn. ro.:p~lirs. ..r all..:rmillm un the a~~umpliol1lhi.l1 l.:lll1lrkliol1 uJlf1e impro\lelllClllS will h<.: [lerlilrll\cJ il\ a \~(\rkl11',1\1ii\...~ "'<lnnc\" 10. Tllc JppraiSef mu~1 provide his or It..:r prim wri\h:n \;{)I1Scnl before the lenuer/dient speeilied in the iJppraisal rCrOrl c;;n dislrihute: llll: apprai~...J report (incluJing elll]du~i{)IlS ablltlllhc pnlp.....rty YJ\UI.', the appraiser's iuelllily and rrolCssilll1:J1 Je.sigllalilln.s. ,lIld rekrcllces III all}' rruli.:ssiollal apprJisall,rl6al1i/,;llillIlS or Ih..... lirm willI which Ih,,; upprajSl.:f is ilsstll.'i...t....J I [\1 allYIH1e (\lhcr tll.mlhc hnrrowt:r; lh~ morlgJgce Dr il~ ~Ul.:I,;C~sors Jl1d assigns; the mong,ag,1.: insun:\"; o.;llnsull;:,nls; prnkssl'H1JI llpprai~i.11 "rgi.lni"alillns: i.lIlY slalc Of Ii:J..:rally arrnl\'cJ JinarKial instiluliun; or :my d":[J:Jrtml.:nt ag,eney, nr \n~lrumcfl'.",,(i\V \\rlb,; UnileJ Sl<l\":s \\r Jll)' ,.,\;:,11: nr the Dislrid or {'lllumhia; ..:xcqJllhallhc Icnder/diem ffiiJY distrihute lhe propeny uo.:s..:ripll,m ~":CI:;):C tlflhe r~pllrt only [(l JaILll.'lllk\.'tion ill' rcpmling :>erviecls) Wilhuul having to obl<:lin lhe appraiser's prior \vrillcn eunSl.:m. Till; ,lprrais<.:r's wrillen l.:1H1senl :Jnu approval nw~( <lIs\} he Ilhl...ind before the appmisal can he conveyed by anyone to Ill<.: [lL;,"iic through ...Jrenising. puhlk relalions, news, ~Ll]es, or uthl.:r meJiLl. ,r"JJie~l,,,h"'n.j.l'J(,-'!.l I'''~" I nf2 r=<li~Ml>ef"n" Ilm~lll,,"] I.."., ~'" I',,,...><~.. W,mlm..', 1<~!7 I ~1~'-(;!':T.1JAYI SUBJfl;T PHOTOGRAPH ADDENDUM I \"n"\H'r/('lj~l1t ".'.._\ '[{'I'~m ,\'hh~~\\\X\ Winding llill RO:lu lIV r-.kchantcsbliTg l'l1<ter (iate~.llalhrul1cr& Ilmch County Cumhcrl:mJ SI:II: "^ "..r....- , ,.- ~t~.1t:";';:'~::?'~::'"'' ~~~-=: c'~::~..~:"'~' I ,. . ./ ~- 1):1\, l)nc hum< h'r Wind"""_ 1'1'IL I ~()Il.I;l:T_Il'\Yl FIHINT()J' SIJIUI:('T I'R<II'FRTV l~FJ\1(OF s\mJl-:CT \'\UWI:RTY SIHll:T\lTNF COMPARABLES PHr-')GRAPH ADDENDUM lj(",(l\\~r/ UI<:11l '\,-\ I'rnl'<:P. AJJrc,,\\\N \\-IIHJing Hill R(lad Cll\ !\.lnJl;lJ1ic,I>I'I~ 1.,Jllkr (;,llc'S. I 1"ihrtll1<:r & JI;uch CUlJIIly Cumhcrland Slale P/\ .' '..t , -"" -~ ---.- ----- -'~ -~?~ ~ - // ~ ~)l __..:..1. '.'-.,. ---'L__.___ _ ~ f&:" ., /<-" ';;~,:"ar&!-' "'...., ." -., ' - '0 '_ ~ ,..,.' '- ' ~ ::'1:= - --~'_.~~ ZipCouc !!!l;>>- p;,' ~' ........ 1\,1\ llO.' h,,,,,, j.., \\,,,01,,,.., 1')'1<;. I H(I() (,I'T.Il.\"'1 ~^l.Il(,~\ 17055 CO.\W\IL\lll,1 ~ \I : :WS,\k,ull:\\. !\.fco.:h:Jnl<:sh\lr~ I).,. "j',':,,!, S"lcl'rl", Syl\ !\' 1; I '" 'I II ' ,~ ~, M<:\:h<lni<:~h\l!~ ('Cli\II'\R\llU:S\1I 1022 Cr) ,I,ll ( J<:<:~ l DalcorSa!e S;lkl'rl<;c Sq. 1.'1 $rSq \'t 15 : IS-,(j' I)WJ :->5.~J ('(),\lI'\R\UI.LS.\Jt =) 2J I I{c..:".:r I{",,,j C,lInr11ill D;lIc"IS"I" Silk I'rlle S4Ft $/Sql'l I L(I~ ('X.U'"' ,:,\l\\ 3.D.) . .-.........".. ....~-.~, ,,~,,'-"""'''''''~'.''''~'''''"'' ""'"""...,~.,..,_.-:'.--... ....----.-- UNIFORM RESIDEN . APPRAISAL REPORT Pr. Description File No. 02AL1162 T~~QP~l1y~gd~_L!.!.~!~Q!~g1:li~____~~ M~~~~~~~g~.____..~ta~_~~ __. _~ip~C;llj~ .!?055 #~~g!,!!Oes~ri~ A!!~~hc~._ . ...______._!:olJMty _~~~!~n.~ -__ '-'1 Assessor's Parcel No. 025 T...year2002R.E. Taxes $ J!:~~c;!@.1 ~~rn~nlS:.s 'S.."':-,. '8~rrowec NA >---. CUrrent Owner Estate ()t-N1n:Irl1: U~r. -'KIT!",,!!!! L Va. Er2Q~t1~ng~!PP!'~~~g.lxl~~~U!'m!.tml.!L_~~~JfI!lIlU~l!!L..-U~~!t!m-(HUQ!VA.QflIy) H~'_ ~__ II . ~~ghborf1~ 12f.f!9j~ct ~C!m~ _ _ "'p"~..!fe~nce42.1O-0646. g~~! TIit2!9.H~~_ j~!~_priceH~Lu__Q~tE!~fSa!e NA O~~$~_l!IDan~r"'~~~~~PY!!!~NA___. -1 ;~~~;;~~:~~r2~-j~ ~:~~brug~rE~J~~~SR ~:::..j~~~r::~~ci~l ~~r.YiA r~JI7~~ -' .. ,jlocation Urtlan X SubllDan~Rural Predominallt i'1~~flmilyha~ Preuntllltduu% LanduSec.h~i! 'j'.'.' Built up Over75% ~ 25-15%f-Under25% ccupancy $ttiOOJ.'.. ~I One family __I.__Q9 [K]Nol.~l;e!YL_ :. Growthcate Rapid X StabAe f-Slow X Owner _~~ Low~2-4family .~.~ Din process. ;' Propertvvalue X Increasing Stable ~ Dedining Tenant _~~~_t1jgt'!_59 Multi-family-_._ To: _'~~__ / QemandlSupply Shortage X Inhanr.li 04ersupply.! Vacant(l)-5% _f~QIDilJ!!lL-_ Conrnefcial ___._ 0 ~.______ -:: Marl<etirlntime nder3mos. J.6mos. 0l/IIr6mos. V8CB!\1<<-"5'I. ISO 35 Note: Race arid the racial composlUon of the nalghborhood are not......isal factors. Neighborhood boundaries and charscteristiCl: ~ecI. is located about r mile (rom RoUle: 1141Wi W. WindjningJ1m~oad west. r= actors that affect Il& mmetabllity of 1118 pmpefIies In the neighborhood (pIuxImIr *>> empJoymeric ir1d .....mes, _ioYintml siabiY. appeal ta martet- s:: The neil1.hbtlrhoodls comprised of~fOJ)Cftia reflc<:ting similar in Quafiw,..mtcnanCC, dcsia:n and IIPpeal. Availability lor this neighbomoc..:: mosl public services combined with aventRe access to employment. shop.. and schools gives a similar appeal to the market on other ne:u-h neighborhoods. _ _ . ______ ... .__ n___"._ .. ----- ,- MBrltetccndi\iOnsintl&Sllbjectneighbarilaod (n:Wngs~(orlh8abCNecm:Ulionllllakldlolh8hndalpropertyvabls.dematIdIsuppIy, and mlll"ketin;l lime ; _.. such as dala OI\tompelilMl proporlies forsal8ln Ihe neig/lboItlood, ~"Ihe"""""" 01_ and fiMIclng concessions, 01<:.): Overall market cand!~ons are consideml SUlbIe mortlZ~ interest rates arc available at 6% 10 8% flXCd for JQ.~ears. ~arke!!!!g !I~and q~~~ !!!Qe!v are in line for similar areas in this awkeL New C01lsttuClion activ~ modcrntc. No adverse: marteta~j!!ty n!;ig~~Qm~ fac!Q~ ~\.:t~ evident. . ~ Projeet Informatton for PUCs (If applicable) _ _ "the develOperlbuiJder n control of the Home Owner's Association {HCA)'1 UVes ~. ~ ~roximate total number of units in the autlfec1 projec:l N/A Appronn.te total number of units for sale in tile $Ubject project NiA :-f Describe common elements and recteatinMl rsciMles: N/A . Dimensions 4.?l.6 x 4~2' _ Topography RolI-l,lp fr~n~ II? r~ . Site area H7,~H~f ~29g A~ Comer lotUves OONo Size !g7!~~! Ji!f Specific zoning dassificatlon and description R~idcn~!I ___ Shape '~g~lar Zoning compliance [R]le;~ln~a1,..._~milg(GrandfalheredUS8}U'~ UNo zoning Drmage ~pp~rsAde!Wale H~t&besluse8SlmnmIIed:"iX1P';sent....1 10000ruseteYnl:tini VIeW .v.~~~A____ Utilities NlIic Other orr...n. nprovementl Type Public ~ LandsCapIng Average for Area Electricity X Street:. ~~_hfll,__ X ~ Orivewaysurface AsphaIL______ . I Gas . CurblgUl1et None ~ Appanll'Il easements N(j!le ApP'~nt - . . Water Wen . None. _ !- FEMASpec::ialFlaadHazardArea []Yes ~~; . Sanitary sewer ~!?P~!c Street Iigtrts JIIone _ fEMA Zone C Map Dale 2:~ 5-80 Slormsewer None i..... None FEMA, U<in No. 4203720010C Comments (appacent-..se easements. ~~.. special assa&sn'lllntS. stide ....lllgaIor 1aga18I3I....,.,f."..,;,'lI ~ use, etc.~ ._ ~ No ndverse easements, encorachments or sPeCial assessments noted at ti!!l_~ of~!on. I GENERAL DESCRIPTION EXTERIOR OESCRIFTlON FOUNDATION BASEMENT INSULATION 'No. of Units _--1 Foundation ConCrete Slab Partial Area Sq. FL 1,314 Roof No. of Stories I Extertor Wall Vinyl Crawl Space None % Fmished 0 Celling __ Type (Oat/All) Del Roof Surface Shindes BasemeN Full Celllng Unfi!:!...-- Walls Design (Style) ~GutIer8&OwnsptL Aluminum SumpPwdp.None Wafts -.Block Floor _.- ExistingIProposed ~~~S_ Window Type DH _ Dampness ~~~._ F\OoJ Cone None __ Age (Yrs.) _ . ~t~ StonnlScruns ~B-...- SetUernent None ,MOIcd OuIsideEmry yes Unknown _ .1. ; Effective Am NIS.\ 1f1vrs Manula:tucedHouse No Infestation None Noted ROOMR j:'O'lef Uvir,9-. Oinin.w_ Kitchen ~ ~ Reo. Rm. Bedrooms ~ Laundrv. Other _Area SILEl ~~~~~'!! _" _____ _ ._____ ____ u_._ .~___ ___. __ _..__. __.. ______.. _~__. 1,31- L~'!'!;!!L~ __.~__ _L__ _.....1- _-1_ __ _1_ _ -!- -1.J._ _Laund . _ 2,--17: Level 2 Finished ar"a '"b"ve rade contains: 7Room . 3 INTERIOR Materi8IsICondilion HEATING KITCHEN EQlJI~ Floors 9ill!W/Aver Type ~ Refrigerator IK Walls PanlDnwl!Aver Fuel OillElec RangelOvenflf, ~ Trim/Finish Wood/Aver CoMItion A.va Disposal ~ .; 8ath Floor Y!!IJ'IIAver COOLING Dishwasher l- I 8alh Wainscol f!~l~^ver Central ~-L-- FanlHood ~ ~ Doors.~~^~!"______ Other MlCfOWave ~ ...~ Condition Washer"'""er X .~ Additional features (special energy efficient items, etc.): 5 ceiling ,~!:!S Condition of the improvements, depreciatiorl (physiCII. functional and external), repairs needed, qualify of COl'1stn.lclion, remodeling/additions, etc. There arc no ~~~e~__ or functional obsoh.~ The suhiecl isj!!Jtood condition on the outside as well as the inside. .. ATTIC H.... 5_ 0r0pS1air ScuIIIs ..,.. H_ Finished (.sea;:;:. 2416~nu8re eetofGr 55 livin"Area AMENITIES ;- CAR STORAGE; ,_sl' _--!! None {KJ _ Patio ~.K Garage -X Deck "'__ _ Altached --- Porch ~~ Detached Fence y~_ 4 Buill-In Pool In Or ~ Carport .-- lloriv_v Yes IJ# cf cars j; Adverse environmentaf condilions (such as, but not Hmited to, hazardous wasleS, toxic substances, etc.) presen1 in the improvements, on the s':-ts . or il1lhe- immediate vicinity olthe subject property: ApPr:...!~ ~~ not ~ ~~!!!.~.!dcn(m13~!Q!!~~~~_~~cS:Q!'A~!!J!l~I!!I. ___._ , ....v;rnn~.. t;ll '(mllil.",,, S .,' I:.nv;r(lnrn;'nl~t ni.,,.}:i n ':;~'I.;hL;;I s' . i. .i~;:. I .. f~C Orm _ J DWUfleIONl1Sfllf 1fiOO..TIET_DAY ~nn,eM3eFurm ~~"; ARMAN F. LEO, APPRAISER Valui>- . Section E TED SITE \/ALUE =- S ESlllli1A TED REPR()L;UCTiON COST-NEW-OF IMPROVEMENTS Dwelling 1.rll$q Ft @ ~~,::!.l = $ IO').51,..JX lhnll I.JI.+Sq Ft &' 12.::!6::: 11,,)(1<1.(>-\ JI,IlfS('ho!Jil\lo! 2.5,IJiJII GaagelCarpol1. Sq F\ @ D.OO = I J Total Estimated Cost ~jew -': $ 1'10.6::'.1 I:: PllySICcll Functtonal External ''''' DepreCIation Depreciated Value of Improvements "AS-IS" ValLJe of Site Improvements. INOICA.TED VALUE BY COST APPROACH, ITEM SUBJECT Address If J \\'inJil1~ Ilill ){uaJ 1\.1..:dliJnicstlUrg Pro){mitytp Subject Sales Price $ N.-\ PriceJGross Llv. Area S 75111 I~ .$ 'M.Il< 0.00 $ ua\<lodl)1:llul Venficallon Source VALUE ADJUSTMENTS Sales or Financing ConceSSions Date of SalefTime location Leaseho\OffeeSimple Site Vjew Design and Appeal QuailyofCl)nstructioll Ag. Condition Above Grade Room Count Gross living Area Basement & FlIlIsheli lull Rooms Below Grade I'nlln FunctIOnal Ullllly \\.:rag.: Heating/Cooling llilllll Energy Emclen\ l\em\\I."l'.l':;l." GaragefCarport (lIfSll'ilrl Porcll, Patio, Deck, I'.llill Fireplace(s), etc Nun.: Fence. Pool. etc YI."~/fl1 (ir IIl~rl'<.:ti('n DESCRrPT10N N..\ Suhnrhan F.:.:Simpk IX7,2]1 sr .'\\"l,:ril~(, ^\'o.;fa~'.: Ranch/Aver RiJnl.:hiAver Aver...g.: Average .W~rs 31 yrs .\v.:r...~c A\'cr<lce TotZlI-!Bdlrnsl Baths TotallSdrmsl 71 J 1.5 7 ] 2A7t!Sq. Ft U,'/tlSq Baths 2.(11 F\ I FilII lkl.: I{m/Bath "\\'l."r~lg.: I:ko.;Jbd/C "'ncr;lgL: 2/l'arllll I';llill '.irL:pla\;c NllllCINII!1l." ,~_ml() File No, 112.\1 : ,; Comments on Cost Approach (such as, source ;;:' slle value, square tool calculatIon and for HUQ . ~ the ~stlmatect remawlIng economlC jile of the pro;;:,,-, S.:C allachcJ SkCli.:h. ('oSI lil,'lIr('s fmm /I,'farsh:lll & ~\I i 1.1 It,:o;idl'llti<lI('''sl 11;lJ1dh""k and local ~<lllrcl."~. Est, I'cll\:.Iinillj; I."l."1Innmh: li!".:--)\) ,IT, COMPARABLE NO 2 11)"2? l.rY.'itaICr.:clCirde MCi.:hallii.:sburg 5M\ks 17X.lHHJ $ X5._1.l COMPAR';E::~:, ?)f Rel.":il."l.!{d;IJ Camrllill -l Milc:~ I 57.00ll s__~ 7:\(i-\: 0-$ 7.513 = $ 1..J3,110,12 ::: $ In.II(jI) = S InllOl2i COMPARABLE NO 311l{ j\!i~\>n A\!cr.l);c /l.kchanic:;ourg f.5Miles (,J'Mr.Sl."tlh:J,sfl:1I DESCRIPTION 'I)~ Ad,uSlm.rll 1-111 DOL\1 Con\' 512XI02 Suhurh:m he Simple {),2..JAC $ $ CI'MI..'i.:llku.STIJI DESCRIPTION . {-j S AdluSlme..l 71 j)()1\.1 l'unv J/15/02 o Suhurhan F.:cSimrJc OA..M' -1.1100 Av('rug(' R<lnch/Aver Avcra"..: 16yrs Avcral.'c TotallSclrmslsaths -iWI! 7 .1 2.0 h.\\l\\l. I,R-lllSq Ft IllllI --1()(Illlinlin ) 1\ \ CI-:Ig(' -1.-'IJIIIJ:ktll1'/(.A ,\v.:w!,'.: -.l,OIJlI ::!/Cul\ll 1\\\\\\ -I.XOO Fircrl,li.:c 5,l)(IO NlIllt/Nllllc 4,O()(I (,PMI SdlkJ. _'iII;1 DESCRIPTION IXI)O;\l l'm1\' 2/1110] Suhllrllan Fe.: Simpll." OA2I\L' .70() 6,.lW) Avcrag\.: lhlllchii\\'('r Avcrug.: 35 yrs Avcr::Jl!l." TotallSdrms! BaiNs 7 J 2.31JOSq FI 1'1111 l{~c Hm Aver,lg.... -I 500 oilllJ\'CA '\h.rag.... ]/('ar/\ll J Fln:pl:li.:c~ NnIlI."/N'\\1c NetAdj, (tolal) :1U+ 1$ 4,O()(J :3:J+ ~.~. '+ ~_- Is Adlusled Sales Price' 2.2 % Net 5,29 % Net -0.'J5 % Net I : of Com araole 1~.(,%Grs IR2.(lfl(l t4.20%Grs l].(l9%Grs '5 Comments on Sales Companson (inCluding the subject propeny's compatlbility to the nelgt\OOrhocd, etc,): 1\11 marl\cl uat;! is s'lnliiJ~ in wnslruclion 10 lh.: slIhj.:t:l PruP..:rtL Cumpar.lbJc ~~J~s arc Ill..: mllst r(',cm. similar, nearesl ~af('s avait>lbk. All (;ull1pa(;jh!(;~ hal.... h..:.~nll anJsculeJ on lh('aJ)lll'eJ:.lll."s. SUBJECT COMPARABLE NO N/,\ N/^ V:I[lH:r<tnc('s trom $1(,5,]01) 10 $JX?(II)() COMPARABLE NO 2 COMPARABL E ~:= NI,\ NIA INDICATED VALUE BY SALES COMPARtSON APPROACH.. ,.'......,...,...,.......... $ INDICATED VALUE BY INCOME APPROACH IIfAp licable\ ESllmmed Market RMt$N/,\ IMo. x Gross RenlMulllolier N//\ = $ N! ThiS aplll"alsallS made '\ 'as IS' sublectlo repairs, alterallons, Inspecllons Ql co.ndl\iQ(1,s I\sle<l bekm subject \0 complelion per pl;:ms arj ::;~2C' - Condlllons of Appraisal. SCL: allachl."tl Spl.",,;i:d t'U11Jiliolls AducllJlIl1l anJ .'i1,1(1."1l11."111 "Il.imiling Cundiliolls. ITEM Date. Price. and Dala Soufce. torpnor sales I'Illhin rear of aflflrJlsill Analysis of any current agreement of saJe, option, or listing of the subject property and analySIS of any pnor sales of subject and c.cmpal:":, 2" W\\hlll one year 01 the date of appraIsal: No priu~ ~all:!~ or listing 1"1. sunj':':l II ilhin OIlC )"l'ar ut' aprraisal. Final Reconciliation Ih:Comparison Approach, r_cinforclOg hy the Cos! "prw:lI:h, pr()vid~s ~ gooJ illdic:Jlion ofMarkcl Value. Ch",c S 1-' lor \-;,Ilu<:. The pUlJIQSe of lhis appriJlSallS loesl1malelhemarl<etvalue 01 the real pro perty !hat 15 Ihe subiect 01 this report, tJasedon the abovecondilion sandlhecel1llicatlon, CQ~. ancllirrJl/ng'condillons. and market vaiue detinillOIl that are slated In the atlacned Fredd,e 1,Iac Form 4391Fanme Mae Fmm 1004B(Revised 61'>3 t M'E}EST1MATE THE MARKEr VALUE, AS DEFINED, OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT, AS OF July '27. :!()()2 (WHICH IS THE DATE OF fNSPECTION AND TtiE EFFECTIVE DATE OF THIS REPORT) TO BE $ 175.11(1(1 APPRAISER: ....- Z~.... SUPERVISORY APPRAISER IONL Y IF REQUIRED): SlgniJtUfe C ~/~)...' t((~./ L-L~- Signature Old n~' _. Name Arnwll F f.tll. l:RI'A Name Inspect Prc:",~. Date Report Signea 2';:"-'/- O~ Date Repor1 Signed State CertlficallOn # 1{1.-1I112(1) I-I. State 1',\ Slale CertificatIon # State \'If Sob'''' ""~,, # '~"_il'l'\-''\' r",odLe M.>o:rorm hl ,,~., ~ c-:,. :'\ ,""'.' C n-,., "Y < me ~""'" 1", . ""lOW' I'J'11 1 ~UO I, ,- ~ ) '.1,,,,, " SKETCH, MAP AND PIIOfOGRAPH ADDENDUM Borrower/Client Estate Frank Magiiil property Address 111 W. Windinq Hill Road Citv. Mechanicsburq, CountvthntlPrlRI"1li State p.>f Zip Code 17n" Lender Gates. Haldruner & Hartc:h LAYOUT SKETCH L~I 73' 18' 3 18' 16' 16' 51 ' 16' 32' 46' , LOCATION MAP (.SUB.TECT PROPERTY) . 1"\' . ~\ .1 ".ft -. \ "1i: .GOOdvrlle L '"""'---- j.t.J:l~ __ ~~- -~:''f~~~ !t '\ '-,< Aerr-ybm9 REGI01\."\.L MAP ~j Reward entervilfi M~ur:y~l09 le!'\keNIlle ,-~- Eirfabethville "- .,",:\h',e",;:;- .Cars.;::,~,",'" ;;.;:.... ,Dauphin " >' o<"J $~\J~' . " ~.' ?,- Dauphin .''';' /r-- '4..3~ \. 50 / APPRAISAL ~DJ)DNDUM l'QflClAL CONUmONS pI\.G...,ry AIJDIUlSS 0 0 121 W.O Wino. Hill Road. Mechanicsburg, 17055 'fho fullowllJj ohecked HellIl ore '1ICcJ~1J ClPldJlIIll. fhal WOlD JdDUtJtlcd by 1111. IPJJJ'aJial dudq 1110 IlllpDCllan oflbCllubJclI1 propccly,lIJD cmnllRnble 11I10' Iud thelr IlldlhborhooUr and loeilllllll. Uldell QlhorwlullOtad. tho condIUw thtt ap.ply to ~ lubjoot property an '1~6 QompUlb~::I UBCt! DO NOT IIffllUI the mlfbll'll1111 olUI.lulurI mllrkollbllJly DC IhG lubjca;t PlOfJarty bolua 'PIX,IIed. . . _t.} Tile .ul~lect illuulO1.i In a lum 1101. and it Iu.lhm 15% wll\-up.1'bla amdltlon b typical and cammon for tllo mUIl.nd DOBS ~OT ,(feet tho m'lkllt value or future IIIlrkc"bUlly ollila 'UbjDOL , _2.) CllnlmarclaJ U.leI HG located wllhlll diD lubjeot'll na1lltlJorbood. TItND "AI ara tyjdal DC .Imllar ncJlllbomood. and DOnS , NOT lffccllliollilllkcl 1'....110 or Mura m~etabJIIly uflhlllubJoct. _].) Indu."I.1 ula. DrD 'o"led wllhln lhl subJ.... nalubborhood. n. pralllllCO oll~tlllltdlllJlN I.typloll oflha naJabburhood And DOnS NOT .Ift:(:l tile mubl valuu or fulUre mui.elalliUl)' oldlD lubjec:t property. . _4.) Va(:l1l1t 'and undeveloped I.ad 11.1. Ito 10001ld wllhfnlhll, .ubjccl'. nollhborbood. nino UI" IllIIlyplcal for the neighborhood Ind DO NOT llffccllhclUllkct valuo or lldtllll awlr.cllllbUhyolthlllubjODI prDp~rty. _1.) Tlio prodllh1lll.nl valpe In tbf_ellihbodanad J. Igol~ Ihan the market vllue"otdMllUbJoct praporty.ll~I.I. duo 10 tho Yory wldo rango o{vII!,;: nrplll~lrJllelJ ill \hl1 OHm DIlII D\.lpr.rlm IIU1lilty Dftl1\'lllt'Ojoctpruputy. nil. cPlldlllua DOnSNOl' I<<cwlllio 1lll1lkct VIII110 oCllle IlIbJout or II. Foil>:.."": InflrklllubllUy, .--6,) Tho ,UbJect properlyllloculll.lln !' ft, J..A.ldanllflod flood JUne. 11lf. acmdldDII DOB8 NOT IIfoct mukot y.lu. Dr futuro JDarkOlttblllty" of lho ,u,~Jcct w/icn tlood 'llJUfan~ covctl,aJarcqulrad. "" " 7.) DllnpnouI. lIoted Inlho bumant ollbo aubjDDL ThI. caadb'oD J. CGl1Ild~ .)'JIJoal bt dwalllllp alibi. .tylo...d DOnB N01' -affect - mll"ket value _Dr futuro m&l"ltctatJlllly ofU",.,bJ"L Blagdln. or nmnlna wat. WI' nol pruont on tba bucincal floor. ~.) 'fllo .ubJoct I. oldor than (lYe (') yo.,. old. All tnoohllliCll.y.tem.. JuaJudJal the heall... elolltrJ.,.l...d plumblns .y.1C1n., .Pl,cae upon vllullln.pcellon 10 hlllnwulklnl1~dor, Nawenmdon,.rCllmpUedluthla&tl.tamCl&1t. " " ~9.) 'fhll olcCllrlell1 .y.telll WI' nal Gal1l1octccl dllrlnlla'I~t1oa. _IO.} TIlo wator .orvlell WU nut.ClIlU1ll1led dlirJalwpectlon. _II,) Tho heallnB l)'.teD! wa. Ihut dowu dillin, .....pllCltlon. J 2.) .1110 b..4lllonllloor II a dirt ltaat. ThlICllIDlIllloD II comra4n UId \ypkml fOr \ho meq.. DOns NOT affellt \blllnorkol yalue or future -lUark~l.blllly of tile lullJecl. '1111I prellneo et. dirt fioor POBS NOT polO a hnldl Dr ....ely baurd. . _I),) 'illu luhJeCI property lluCI gUIIl.ln Rllllllloual oblCllelCenGllIII Ilolod In dill 'IIpOrI. 11111 DOladll.ll)ll "llCNlIld~C1d typloal ~lId 011111111011 Ibr the aUla BlIUlhJ. Mlylo tlWCIUII& and DOns Nm: al'oc1lho mukDt "Iuo or I\&tlll1llllmllllbUlly alibi ~ubJ'ct propOlly. 14,) 'nUl land Vllua axtc_l!:d. 30% ullhe JotaI ,,1110 dlle 10 hlah damlUd Cot vllllll11apd 10 tJdaJlCll.hborhood. ThIJ oondllhm I. oon'ldorad - caromOD aud lyplll.1 (or t/ie ncJ,hharholld wi: DOnS NOT alfoollhllDld::Dt v,lul or fbIuro awtolab1Uty ollh'lUbJcct proporty. < _, ,t) nUl land vlllue lIl(oeed. 30" ofdlolOtal nItIe. TWIll dUDlalholarao.1n aflM IIh.. nJ. coadldon UIJDII.Jdorcd 10 be typlo.lllDd OOllllnollo .ud DOBS NOT affect dl. mal'i:ct mull or ftllUfllmarkcllbllll)' ollha IUbJaDl property. _16.) IndIvidual ,djU.IIROIlI. w.. reqliJrcd Ibu uccad UIH. ThoID lliju.lmllll. ~ nquirod du.lo tba I,ok olalar. .Jmllllr comparableJ In Iba lubJeot'l lUarkDt nelahbulhood, All 111100 llClIUIW1blal.. oonddorad &be bau a....llahl.." , ~ 17.) '011 111111 .djulhncnr II.I.cocd I',",. nla.. c1l1G to, ila.laek. ollllor. .JmU., oompanbllll'u tho .lIbjllGl'.IQWtollllll. _18,) Onl or mora (I{ Ihe CCIlUp.nbJu .r. oldllrlhaD.1x (6) monthL Allhou.b &bOJln oompnbJI proportIu In Ibl lubjeot'. 1r0. nORa 11'vo .old rccclIUY, Iharofnrc, .alo.ln.-ou. ot.I&('1 monlh. old had 10 bowed aU lhroolKlmp.rablal UICld. Wont Iha bOll~.....ll.blo. A'9.) OnaormoralJtlh.~mPlfablcluladJlIanllo~cdmorolhlD: : , -,,' " ( ) Qua milD for wball"localluftl. ( ) Thr...u.. {or wbIKblUllooalloaa; ( ) n.,. mlill for nnll'IIIt1... &om IlllmbJaot, 1'11"1 cOluplr.blOl WDIIl.aluctod Rficr Ilho",u,h .llDfob ntlb.lra, they...., Inoalld In ll&oll.l,hborl&ood ,Indlarlo UllllUbJcct'. IlId ItO coiuJdarcd 10 bll diD bell cUIIlIIOlabllllllVlIllpble. """ _20.) RoollJIU cllilf1c.tJon Ia .lIal_ad. _21.) Plulnulng oOlllflcaUDA 1.IUHUI.oll. _22.) llioctJ:lc.dc.cdlfiClltIOU'lwUa'ocd. _2],) Halling cellUlealllln ll.uggelled. _24.) Floud Ilazl,ulll.urlQCe II'UI'Cllcd. _2'.) Saller II paylllS 1'lIrt or all otbuyllf' 010" CDIII, nit noDS NOT lII',gllbl lB.. VlIIII or &tllll markallbJllty of lb. .ubJeot property, ){26,) 'nlcre lIrllllo 'f,celul GOIldlllolll or DlII~r .OllltntJ 1111I would .<<cot nwk.. ValUI ar.Rd1n martateblllty In lhl. AllpnJlI1 I\.llport. X;7.) T1Illl.'CUOlW,UOPertv lucludod In tho IIlunhuubJoo' "u n\'lt Inol.udtd In thl zrwket Vllue otlh'lUbJoal pr~l)orty, V Residential " L2B.) 1110 l'-u/llDa nons NOT altccllho ~rucnlQ' Ihturonwbll;bUJIY oldlOJUbJ_ )(29.) TM. IIpPI.lIal WDt PIllP.,ed In compll~"'th lleJullllon 1l-4IC. }L.JIl.) IlIliII. Ippnd.al u.llUlllOllt, llIe exUl_ "'pllallllU.~ haurduuI melOlbb or to.'. nb.hInDII1UDd blllltllalnloJlon or InalnlGlUlllICD 0111110 prnlllll'ly. .uch 111 gllsel fOlI/Ml In Iho IDrirontnlll!lt. lormlldohyda lnInlaUon, IIIdon',uu, tolo wNlo, olD. wldob mayor lnay n.U bo prOlanC on !he pro[lclty. hll' IIl1t belln cuutldcred. The ."prdut fI natquallClbd. \0 d.\.c\ I\I1Ih ~balanocs wo \11,_ tho oUlII1lUHOI.lIl an apod rea.rdlo'lbClIO malleu. . ~/" July 27, 20.02. t;If....... X~ n.hl AIIIU.I..- APPRAISER 'UIFICA TION File II: 02ALl 162 APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that !. I nave researched the subject market area and have selected a minimum oflhrec recent sales of properties most simil;lf ~nJ proximate to the suhjcc\ propcny for consideration in the sales comparison anLllysis and have made a lIollur aujustm..:nt wh~n appropriate to relkel the market reaction to those items of signilicilnl variation. If a significUlIt ilem in a compar;.Jbk propel-\: is superior to, or more Javorablc than, the subject propeny, I have made a negative adjustmem to reduce the adjusted saks pri~c oflhe comparilblc and, jfa significant ilcm in a comparable propeny is inferior 10, or less favorable than, the subject propcn.'. I have made a positive adjustment to incr~ase the adjusted sales pricenfthe comparable. 2. I ha....etaken into consideration the factors thnt have an impact on vaJue in my deve!opmentoftne estimate of market va)ll~ in the appraisal report. I have not knowingly witheld any significant inlonnation from the appraisal report and I believe, 1D tne best,ofmy knowledge, that all statements and infonnation in the appraisal report are true and correct. 3. I stated in the appraisal report onty my personal, unbiased, and professional analysis, opinions, and conclusions, which ar~ subject only to the conting~nt !!nd !if!'l!!!!l!: spe:::ificd. i;; thi" f"IIIl, ". I have no present or prospective interest in the property that is the subject of this report, and I have no present or pmspec\i\Fe personal interest or bias with respect to the participanls in the transaction. I did not base, dther p:mially or completely, my analysis andlorthe estimate of market value in the appraisaJ report on the race, color, religion, sex, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the present owners or occupants of thc properties in tnc vicinity of ~hc subject property. 5. I havc no present or contemplated fuhlre interest in Ihe subject prnpelt)'. and neither my current or future employment nor my compensation for performing this appraisal is contingent on the appraised value oflne propcT1)'. 6. I was not required 10 report a predetermined value or direction in value that favors the cause of the client or any related party, the amount of the value estimate, the attainment ofa specific result, or the oceurenee ofa subsequent event in ordcr to receive my compensation and/or employmen\ for performing the appraisal. I did not base the appraisal report on il requested minimum vaJuatioi1, a specific valuation., or the need to approve a specific mortgage loan. 7. I performed this appraisal in a'lnformil)' with the Uniform Standatdsof Professionul Appraisal Practice thai were adopted aJ'tj promulgated by the Appraisal Standards Board of The AppraisaJ Foundation and l.hat were in place as of the effective dale of this apprai:>al, with tne exception of the departure provision oflhose Slandards, which does not apply. I acknowledge \hilt an eSlim:l!e of a (easonable lime for exposure in the open market is a condition in the definition of market value and the estimate I d..:velopc-d is consistent with the marketing time nOl.ed in the neighborhood section oftnis report, unless 1 have olhcrwise stilted in the reconciliation section. 8, I have personally inspected the interior and exterior areas of the subject. property and the exterior of all properties listed as comparables in the appraisal report_ I further certify that I have noted any apparent ar krmwn adverse conditions in the subject impro\lements, on the subject site, or on any site within the immediilte vicinity of the subject property of which 1 am aware and have made adjuSlmenlS for these lIdverseconditions in my analysis of the property value to the eXlent that ( had market evidence to suppan them_ I have also commented about the effect of the adverse conditions on the marketability of the subject property. 9, I personally prepared aJI conclusions and opinions about the real estate thai were sel forth in the appraisaJ report. If I relied on signiJicant prolessional assistance from any individual or indi\Fidual(s) in \he performance of the appraisaJ or the preparation of the appraisill report, I have named such individual(sl and disclosed ~he specific tosks perfonned by them in the r~onciliation section of this appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make change 10 any item in the report; therefore, if an unaulhorized change is made to the appraisal report, ( will take no responsibility for it SUPERVISORY APPRAISER'S CERTlFICA TION: If a supervisory appraiser signed the appraisaJ report, he or she cenifies and agrees that: I din:ctly supervise the appraiser who prepared the uppraisal repor!, have r~viewcd the <ijlfJmisal r~[)ort. agree with the stalements and condusions of the appraiser, agree 10 be bound by the lloppruiser's certilications numbered 4 through 7 above, and am laking full responsibility for the appraisal and the appraisal report. ADDRESS Of PROPERTY APPRAISED: I I J Winding Hill Road Mechanicsburg ?A APPRAISER: S;gn"",,,__ _~7~ Name; Arman F. L~o. CREA Date Signed; --~--tr'-I" ~-:t. SlateCertificationJl: R!---.92~U5'-L State; l'A or Stale License #: RS~09~~~?-A Stille: j>/)_ Expiration DateofCcrtiJicalion or License: _..____.__ 17055 SUPERVISORY APPRAISER (only ifrcquiredl: Signature: Name: ______. Date Signcu: StaleCertilication #: or Stale Liccnse#: ~iration Date of Certification or License: UOid OOidNot Inspect property State: State; Pa e2 of2 Fannie Mae Form 100411 6-G} Freddie Mae rOM 439 6.9] o.y0.... Fo......f<>f WindD...., 19'n lloo.GET.f};l.Vt ~~' ,:t_. J '._!iI*~~~'.r'~ - -, ..: "''';''''; ;;~ REAR OF SUBJECT PROPERTY , ~ STRtt!T SC1!NE ~ to;::;;; ,- . ,.",:ft.;:' . ~',"'.. ';1<'" . ""C,..,. .''',. ~<{,..., _ -::." .~;'1:-", ,:.,-, ~i&1~/'it.'-"' "..""- ,/; ~,~~~B~(~tt;~tt ~~,..;, _ _ ..;f.;.>t' ~:i!-~' "'....,v:-'... "~'_ ..__..~~~ii/:._.. "-"f ::..,:~... ,,:;-~ Day One forms fi orWimIDw5,199S.} S OO..QET -DA VI COM PARABLES PH('- "GRAPH ADDENDUM I]., ,"1,'( client ,....'..\ I'r"p~rII \JJ"" I J I \\'iI1JI~.g 11111 Road lrl\ .\k..:l1:lrliohllrg L~l"kr (J,1I<.:~_ IlalhruncrJ:.. JJ:llch Cuunty CumhdbnJ Slale PA . ,b",.~.-:.L~ !~. . .. .""i. ~-<j ~..- ~.~ '-,..- ---:-P v,. ',- - - -',,~--..- ~~~tti~ -~ ".r a... ~ --- f~"""cr.,,,,,~t"I\\',,,,I,,w, l'I(I~.II(I)()(,I.III^\'1 02.'\I,J 162 I.ipl'odc 17()55 ("{r\H"R\!lIl:S\1 J'I!O;,\IL"HI..\\,,;, Mcdwnil'irll:rt' ! )"k pI ~;.,t,. _\;i1~ l'IlL~ I ",~ .'>'In $;S'III [.:" ,,~ I.' ('(J_\II',\/{"\III.I'.S\I,1. 1022Crpl;,J L:~c:ll. Mc:dl,m'I~S\JlIr!-, I)a1CofS,I!c S,llc)'rl<:c s~ F1 ji!SI!F1 3:'1 ~ 112 ))-Oi'll 1.1\-111 XI. (1):\II',\!{\IU.l'.SAl.E;o3 231 Rl:C_\\:f I{ilad l'aJ11rllil1 Ibl<.:"t'S"k S,dcl'lI"" Sqll $/'';'11-1 2/\1.\12 11,:-U:1l11 2.301! 7l,IJ-l , .~!-^' ~'O . ...1 :'\)L~.. TA.X PARCEL NO. 42-10-0646-038 121 WEST WINDING HILL ROAD CPPER ALLEN TOWNSHIP ,__C,:: Or DESDS ,,;L,~:~D COUNTY<' ~3 f\~Y 16 Arlll 09 FIDUCIARY DEED THIS DEED is made this J!ft day of ~ I . / . 2003, by and between FR-\NK A. MAGEL, Executor of tl1e ESTATE F FRANK M. MAGEL, as hereinafter described, party of the first part ("Grantor" herein), AND REGINA M. MAGEL, widow, having a 43.67 percent tenant-in-common interest in said property, and FRANK A. MAGEL, Trustee of THE FRANK M. MAGEL BY-PASS TRUST, under Will dated April 27, 1999, as hereinafter described, having a 56.33 percent tenant-in-common interest in said property, parties of the second part ("Grantee" herein). WITNESSETH: WHEREAS, the said Frank M. Magel, deceased (hereinafter "Decedent''), became in his lifetime seised, in fee, of and in certain land and premises, more particularly hereinafter described, and being so seised thereof, departed this life on October 20, 200 I, having first made in writing a Last Will and Testament dated April 27, 1999, and duly probated and registered in the Office of the Register of Wills in and for Cumberland County, Pennsylvania, at Estate Docket No. 21-02-0216, wherein and whereby Letters Testamentary were duly issued to Frank A. Magel by said Register of Wills on June 28, 2002; WHEREAS, pursuant to Article Seventh of the Last WiII and Testament of Frank M. Magel, The Frank M. Magel By-Pass Trust under WiII dated April 27, 1999, was formed pursuant to Frank M. Magel's death; WHEREAS, Article Ninth(A) of the Last Will and Testament ofFrank M. Magel nominates Frank A. Magel, Grantee herein, to act as Trustee of all Trusts created by the Will; WHEREAS, Article Fourth(1)(a) of the Last WiIl and Testament of Frank M. Magel, sets forth the portion of Decedent's estate that shaIl be aIlocated to the By-Pass Trust; WHEREAS, based upon the values of decedent's estate, it has been determined that the portion of Decedent's estate that shaIl be aIlocated to the By-Pass Trust is 56.33 percent; WHEREAS, in order to comply with the Will's directions and maintain clear title to the property, Frank A. Magel, as Executor of the Estate of Frank M. Magel, desires to deed a 56.33 percent tenant-in-common interest to himself as Trustee of The Frank M. Magel By-Pass Trust under Will dated April 27, 1999; and WHEREAS, the remaining 43.67 percent interest shall be transferred to Regina M. Magel, as benetlciary of the remaining portion of the Estate of Frank M. Magel. NOW THEREFORE, KNOW ALL MEN BY THESE PRESENTS, that Grantor, for and in consideration of the sum of ONE AND NO/IOO DOLLAR ($1.00), lawful money of the United States of America, unto Grantor well and truly paid and delivered by Grantee at and before the sealing and delivery of these presents, the receipt whereof Grantor does hereby acknowledge, has granted, bargained, sold, released and confirmed, and by these presents does grant, bargain, sell, alien, enfeoff, release, convey and confirm unto Grantees, the heirs, successors, and assigns of the Grantees, ALL THAT CERTAIN lot or tract ofland situate in Upper Allen Township, Cumberland County, Commonwealth of Pennsylvania, more particularly bounded and described as follows, to wit: BEGINNING at a P.K. Nail in the centerline of West Winding Hill Road at dividing line ofland now or formerly of William L. Sunday and Betty F. Sunday and the subject premises; THENCE by the centerline of West Winding Hill Road North 76 degrees 30 minutes 00 seconds East 337.50 feet to a P.K, Nail; thence by line ofland now or formerly of Frank M. Magel and land now or formerly of Fred L. Glaize, Jr., South 08 degrees 35 minutes 33 seconds East 639.70 feet to an iron pin; thence by line ofland now or formerly of Fred L. Glaize, Jr., now or formerly of Pennsvlvania Orchards, Inc., South 85 degrees 51 minutes 15 seconds West 297.09 feet to an iron pin; thence by land now or formerly ofWilIiam L. Sunday and Betty F. Sunday, North 12 degrees 29 minutes 33 seconds West 589.16 feet to a P.K. Nail, the place of BEGINNING. CONTAINING 4.46 acres and having thereon erected a I -1/2 story frame dwelling known and numbered as 121 West Winding Hill Road. THE above-describ"d premises is described pursuant to a boundary survey performed by ACT ONE Consultants, Inc., dated May 12, 1995, and recorded May 26, 1995, in the Office of the Recorder of Deeds in and for Cumberland County in Deed Book 122, Page 760, BEING the same premises which Frank A. Magel, Successor Trustee of The Magel Family Revocable Trust dated April 27, 1999, by his deed dated August 14,2002, and recorded in the Recorder of Deeds Office of Cumberland County on August 16,2002, in Deed Book Volume 253, Page 898, granted and conveyed unto Frank A, Magel, Executor of the Estate of Frank M. Magel, Grantor herein. . -. .....- _... '. ,.~. _....."..T.._..,;...."....:......".., ....,t..., _'. ..,..,.,. '- THIS IS A TRANSFER FOR NO OR NOMINAL ACTUAL CONSIDERATION OF PROPERTY PASSING BY TESTATE SUCCESSION FROM A PERSONAL REPRESENT A TIVE OF A DECEDENT TO THE DECEDENT'S DEVISEE. 72 P.S. ~8102- C.3(7). TOGETHER with, all and singular, the buildings and structures thereon, and the improvements, ways, streets, alleys, passages, waters, water-courses, rights, liberties, privileges, hereditaments and appurtenances, whatsoever unto the hereby granted premises belonging, or in any wise appertaining, and the reversions, remainders, rents, issues and profits thereof; and all of the estate, right, title, interest, property, claim and demand whatsoever of Grantor, at law and in equity, ot: in and to the same. TO HAVE AND TO HOLD the said land and real estate, with the messuage or tenements thereon, and the hereditaments and premises hereby granted, or mentioned and intended so to be, with the appurtenances, unto Grantees, the heirs, successors, and assigns of Grantees, to and for the only proper use and behoof of Grantees, the heirs, successors and assigns of Grantees, forever. AND Grantor, for Grantor and the respective heirs, successors, executors and administrators of Grantor, by these presents, does covenant, promise and agree to and with Grantee, the heirs, successors and assigns of Grantees, that Grantor has not heretofore done or committed any act, matter or thing whatsoever whereby the premises hereby granted, or any part thereof, is, are, shall or may be impeached, charged or encumbered in title, charge, estate or otherwise howsoever. [The remainder of this page has intentionally been left blank.) IN WITNESS WHEREOF, and intending to be legally bound hereby, Grantor has caused this Deed to be duly executed on the day, month and year first written above. SIGNED, SEALED AND DELIVERED IN THE PRESENCE OF: ESTATE OF FRANK M. MAGEL: <" 7 / /. ~.~::--~ /;~/~"/;z' ,,', / G..-/ " L..'/ ,/)/7 -1 o ,'/, /I'~ ~- _'4A-v'L C i. I LtLti (SEAL) FRANK A. MAGEL, ECUTOR v -7 -------, COMMONWEAL TH OF PENNSYLVANIA COUNTY OF CUll;' bt..f k/ // ,::( On this, the I {(f lciav of AcYl! I ,2003. before me, a Notary Public for . , thc Commonwealth of Pennsylvania, the undersigned officer. personally appeared FRAN'K A. :\IAGEL, who acknowledged himself to be the EXECUTOR OF THE ESTATE OF FRANK M. MAGEL, known to me (or satisfactorily proven) to be the person whose name is subscribed to the within instrument, and acknowledged that he executed the same lor the purpose therein contained. SS: IN WITNESS WHEREOF, I have set my hand and notarial seal. 7~ i'/ ( I :;1 ~/1 ,hf'Z /' c: Notary Public " My Commission Expires: ; ,(,!':;' :"i;::1I ~~:. c:, _ _>'~)i{(Jvic, i'~oicr'l ,-', :-~')ro, Cumb~;:'~i ::: ;: ~~ I r,: ~. CERTIFICATE OF RESIDENCE 1 hereby certify that the present residence of the Grantees herein is as follows: Frank A. Magel. Trustee The Frank M. Magel By-Pass Trust III West Winding HilI Road Mechanicsburg. PA 17055 RETURN DEED TO: Frank A. Magel, Trustee The Frank M. Magel By-Pass Trust III West Winding HilI Road Mechanicsburg, P A 17055 -7---7 --;1 ~ .--< .(~".//t5?2" / Attorney for Grantee ./ The followinl! soace has been reserved for Recorder of Deeds recordinl! information: John S b ,sminger Appraisals rile No or.?:: ~~..: - ~ I I I I I I I I I APPRAISAL OF Single Family Residence LOCATED AT: 121 W. Winding Hill Rei Mechanicsburg, PA 17055 FOR: WFHMl CP REAL TOR.CBO 100 SOUTH FIFTH STREET 10TH FLOOR Minneapolis. MN 55401 BORROWER: REGINA MAGEL ASOF: April 3. 2001 BY: John S Ensl';'\ingef PA Certified Residential Real Estate Appraiser 415 BcrnhciseJ Bridge Rd, CCl(hsle P^ 17013-D025 717.691.5~nH rlvOescriolion Summ 'PI'aisal Report UNIFORM RESIDEN .fAL APPRAISAL REPORT FileNo 008554.1:: PrnOQltvil.d(jICSS 121 W. WindinaHilfRd CftvMechanlcsburo Slale PA liJrl~!C 1~,-:=-:= lcaalDI'SCIII!ton Deed Book:132 F'aae:27 Counlv Cumberland Assessors PJ[c~1 No, 42-10-0646-038 Tall Year 00-01 R.E. TaeS 1 892.55 5Mr:ial Assessmi'~S S '. ~ Bnrrower REGINA MAGEL COOenlOwner Same QcC\lfIanl: I I Owner TI'''J,''' .. PIODCI\VrlflrnSijnnraiscd Ixl f~Simole I I leasehold Proecl Tvne I I PUO I I CONbnirium HUONAonlvl HO,l.~ NClohhOrl1oodOf Proiect Name UooeT Allen Townshin ManRclcrence ACC 19A 10 CCflSUS TIBet 3240-C _. ~ Salt!PliceS 172.000 Dale 01 SaJc Not Available DCSO" ionandSamounlofloanehaf IDbernlilthvselef None Known li:IlornlClienl WFHMJ CP REALTOR..c80 AdltesS 100 SOUTH FIFTH STREET 10TH FLOOR Minneaoolis. MN ~:..:.' AnDrJrSl'r John S EnsmiO<ler Alktess 415 Bemheisel Bridoe Rd Cadisle PA 17013.9025 LocallO(l ~ \JIDaD X SublJ'baII RlJ'al Pftdominllnl: Si~te familyhousiAg Presenllanduse"l. land use cl"lar;~ B\~I{ up ~ Over 75% 25.75% Uildcf ZS% occupancy ~~E A~E Onelamdy ~ 00 Not ;,k.e(~ ~ GIOl'o1hrale F Rapid X Stable Slow X Owner ~ low ~ 2-4(alllily -@. 0 lnplOCbS Property values f= klCmaSing X Stable OediAilg Tenant 300 Hinh 100 ~ -@. To: Oel\\aru:llwll~Y ~ SI'lOllilge X nl:l.1in:2 CMJ 5lWJ X Va::al J).5CJ6J P edOminart Coo\meItiaI 0% M~llll~lino lime X IJnde- 3 mas l6l1lG!i. Over 6 mos. YKIII_ ~ 150 20 iVacant I 20% NOID; Race and the racial composition oIlhltMighbomood .r. not 8ppf;usalfactors. NeighilolMOO CGUndanes and Chalacterislics= The subiect n4iahbofhood is bounded to the North bv:Hwv 641. To thA West by: \'VHliar:'s : Rd Totha South bv: the Yellow 8r~ C~gek. f.nd to the East by: Weslev; Rossmovne andUsbum Roads. faClors Ihal af/ecllhe marketatllhly allhe pl'DJlenies In the neighborhOod (prOximity to employment and amenilies. employment slabiUly. appeal Ie malkel. ;O~: _ The subiecl is located In Upper Allen Township. Central PennsYlvania has a larae diversified emolovment basis which offers s:.=: .. and confidence in the local real eslafe market. E mant oDoortunitJes Include the State and Federal ovemments manufa;::~ ~ industrial. medical financial and small emDlovers. Job stabllitv Is oood as the un-em ures for Ine area continue 10 :::::= 4%. Public Darks schools and olaces afworshlD are all rated as aood and within acceotable distances. The aeneral aooearan:;:: ,,- maintenance of the neiQhborhood properties is rated as aood. All amenities are convenient to the subiect. Mal~e\ conditions in the subjecl neighbofhood (1lQlding su-ppon 10f Ihe above conclusions .elated to tt\euend of pIlIplIIY values. demaod/Sllpply. and marke:,~_;;' - . . such as data 011 competittve pcopenies lor Slieilllhe neigbborhood. descrip.tion of Ille l)lev,lence of sales.. f1nlu1cing conc;ess.ions. elc.): Marketina condltlons are naed as of Ihe data of this aMmlsal. Sunnlv and demand are In balanCe and mari<.etlno time is aenera:;. between 60 to 120 da s. Conventional fi1anc Is edominant In the local market wfIh one to three . ts which are ener2lU...-::..._ b the bu er with no helD from the sellef. FHA VA and adjustable rate moJtaaoes ere sou t lifter b a smaller se ment of the :"". ~ The comoetitive prooerties listed for sale in Ihe subiect neiahbomood have a SUDDortloo effect CIf1 the ra rted value of the SUb':::' prooertv . ... Project Information lor PUDs (If appliCalllel- -($ the develope/builder in contrOl of the Home OWlU!(s' AssociIIton IHOA)1 U YES U NO AppfO~lmate total number 01 unitS In the SUbjet\ Jll1!jlU . Approkimlte total numbeI 01 unns.. sale In lhe sUbJecl proJecl Describe cO/l'lmonelemenls andteCfl!.alill11alfadilies: Dimensions Not Provided Toprqaphy Slopes UP. level Site alea 4.46 Acr~s . Comer lot U Yes 00 No Size Laraerthan avera.::e Speclllc lomng CI<lSSI.flcatlon an'J?:d dcsc~n:PtlOn RUfiliI Residential Shape Approxlmatelv Rec:a,~:~. Zoning comp~ance 00 Legal legal nao.....~~"J lG'ardaihefEd use! U Illegal U No zoning Drainlge Appears adequate Hiahest& beSt use asimnToved: X Present use I 100000use~Jn!Mn\ View Good Utili\ies Public Diner Olkile Improvemenls Type PubIlc. Ptlvse ~ Good Eleclriclty X SlIee Asohalt X ~ Sl.rface Asphalt Gas CuffJt}Iller None AppaIIRI eaSl!lllll&ls None apparent Waw Well sa..tk None fEMASpedalfloo<lHazardAlea U 'fe5 ,J;.. Sarnl3l'jsewer On Site ~'i!/Jls None fEMAlooe "C. Map Oate02115:S:: Slmm sewer ~ Nooe fEMAItanNo, 4203720010 C CommentS (ilppafCllt advelsc eascmems. enCtoac/llnel1t5. special anessmem.s. slide areas. illegal Of legal nooconllHmiIlg toning. U'3t, elc.): See Aftacheo Addendum. GENERAL DESCRIPTlON No. 01 Unns Ooe NO,alStoue$ One Type (Det/A.U.) Detached DeSign (SryJe) Ranch Existing/Proposed Existino Aq~ {VIS,} 43 Ef!l'CtlveAae Yrs.1 12 .. ROOMS Fo Ell U...m Bascrncr( Le\leil 1 1 - Level2 finist\e{l ~rl!a above nrade contains: INlERJOR Materials/Condition Floors Hardwood/A....c ... WaUs Plaster/Avo l"rlm/Fioisl'1 Wood/Slained Battl Floor Vinvl/Ava Bath Wainscot Cerarnic/A\lQ DOOlS Luan/Avo EXTERIOR DESCRIPTION FoundallOrf Concrete BIk Etterior WaIs Brick & V Roof S\riace As. Sh. GUllers & lMd:spIS. Aluminum WindOw Type DoubleHuon SlorrnfSCJe~ Yes ManulatluredHouseNo Dlnirl Kitchon Den fOUNDATION Slab 30% er....... NiA Basement 10% """""",None Dampness None noted Seulemerll None noted lde5latiOO None ncted r Am. .Rm. BASEllEHT NeaSq..ft. 728 % flniQd 70% """'" Drvwall Walls Knattv Pine flo'" Vi CMsideEt8y None INSUlATION RooI ceiling~x Wall$ Cncld Z F"'", None -- noms I l Othor AreaS.;- " 1 1 ,S 3 1 ',0: 6f 7 RlDns: 3 Beltoom s . HEATING KITCHEN EQUIP ATTIC Type BaseBd Aekigel:a\or ~ None Fuel Oil RangelOVel1 ~ 5lairs """,w....... I."""", ~ 0.., '<ai< COOLING Dishwasher ScuI.\le CentraJ Yes FantHood '-- FIool Otfler Nontt MOcwiMl ~ Healed Coi\(klonAveraae WashcrJD Finished Addllional features (speClal t'.l\t'.t9::; cthcienl llems. elc_I; waler softener. cedar closet In lower level. 2 staraos sheds. CAR STORAGE: None 0 Garage I\(tactlea Oe\~hed BUllt.ln ea.p"" Dflveway '0: ~~. 1,5 1744 S /are Feetof(;cosS\,-. ^l ~-:-. ,. AUENmES fireptace(sI,1 X PtUa Rear - X Oed< ""'''' ,- .... "-- x CoMlllon ollhe ImprovemCI\lS deprCC13tlOn (phYSlaIIunalonaI. and enerna!). repairs needed. qualifY of COftstfUCllI)\\retlllCle\lrl!lfaOdinons sic The subiecl is lfl averaQe condition The fOof appears to be 10 iNeraQ& condition Wfth no evidence of leaks on the inIenor. No personal prooertv IS included in this aODraisat. Adl/else envifonmenlaJ conditions (such as. but not lilntted In. hazardous wastes. loxic subSlances. elc.1 j)fesem in 1M improvements. on the Sll~. of III I roil immeaIdtC VICIfHty o/tht! S\ltlJc,:\ pmpcllY: See Mtached Addendum. 1,,';1"...." I..n, In ~'J1 (>1\(;[ 101 ~ ...._....,_...'.'.."",_..~"\.........'>'__'...III . "....'.l",o", .Jalion Section Sum \ppraisal Report UNIFORM RESIDENTIAL APPRAISAL REPORT file No DOS;:;;:;;.:. ~, , ESTIMAT[OSITEVAtuE d 80,000 CamlTlellts OOCOSI ApplO3Ch (such as, SOurce Dr E511MA TED REPRODUCTION COST-NEW OF IMPR!iVEMENTS Sllevalue, 5quarelOotQlculalion and IQI HuD. \j~~, ; Owelllllg 1.744 Sqfl i<!>S ~ .$ 95,920 eSlJm8:ledlemainingeconollllclileolllleploperryl Ssm\. 728 Sq,Ft @$ -RQQ . 8,736 The cost approach estimates fhe replacement :::C',;' . FIP ,Patio,Aooliances 4,000 1l1e impfOvemenfs, nollhe reproduction cos\ \:,,~ . Garage/Calpart ~SQf\ @, ..-illQ 4.080 and SwlH Valuation Service and local contracto:-s,- T(I(ill ES\llnJlcnCoSl New d 112,736 utilized for the cost f1(~ures in the comolelion cf ;-.0 less . 60 PhYSrCal~.i F~;~l~~~; , (~t(!fnal Est. R'emaJrllng Econ life: 48 approach. The estimated site value is based 0il :-.~-C' . DeprCClatlOIl $22,547 .. 22 547 analysis. The physical depreciation is eshmaleJ ~ . Dcp(ec(a\ectV~hJ\OoIli\1plOvemems d 90,189 aQeJlife melhod and market analysis. No obscie~.::;:-- -As-lS-Valueot511elmprovements "' 5000 observed. The 101 could be sub-divided. lherefo~e ~- ~ INDICATED VALUE BY COST APPROACH. .\ 175200 value exceeds 25% of the re lacement cost of l~P :0 ITEM SUBJECT COMPARABl E NO \ COMPARABLE NO, 2 CQMPAR.l.ElE' 121 W. Winding Hill Rd 16 Qeenway Dr 305 WiddefS Or 910 Bonny Ln MIlI!!SS Mechaniesbura MecMnicsbum Mechanicsburn Mechanicsburq PIIJ~rmiIVIO Subecl One Half Mile 2.25 Miles 2.25 Miles SjleSPflc.e , 172 000 , 157 000 , 155 0001 I Pric~lDsslivAl?_~ I 9R 112 (!l I BU6 ~ I 83.51ltl $ 96,34 ~ D81aanaJor Inspection STEBS & CPMLS STEBS & CPMLS CPMLS & STEBS VeriflCatiMSaurces VALUE AOJUSTMHITS DESCRIPTION DESCRIPTION 11....",~11TO'flI DESCRIPTION 1/101,.......... OfSCRIPTIOIJ I S(lI(!S or FinanCIng Con~tional ConventiOnal Conventional Concessions 11 OOM 51DOM 103 DOM Dale of sall!lTime Not Available . 08/o~ooo : 10/3012000 : 11f0312000 lccalioo Suburban SubUlban Suburban Suburban lBaSd"\ddlFeesnde Fee Simole Fee Simole : Fee Simole : Fee Simole Sill! 4.46 Acres .45 Acres : 24000 AOAcres : 24,400 .35 Acres View Good Averane Averane Averarle De<:.i nanllA ,oJ Som Level Bi-Level : S lit Level : S lit level Qra!4VdC(fflIldD'1 Avera e Ave e : Averaue : Averaoe Me 43 Yr$. 40Yrs.. .300 22Yrs. -2,100 15 Yrs Corvjition Averaae Averaae : Averaae : Averaae AooveGrade !<....&In'''' .... 1..",'_,,' ... : '"..'I\:l;",,' "'" : ,,,,..'Ball'" (l.'.\O;; RoomCounl 1 7: " 1.50 "' 3: 2.50' -1,500 B: ,: 2.50' -1,500 1: 3: 2.5D' GlossUvinnN(!a , 744 Sn Ft 1,850SnFt. -1600 1,856 Sn.Ft : -1700 1556 SflFI . BaS€ment& FII1Isned Partial Bsmnl None 3,000 Partial Bsmnt Partial Bsmnt Rooms8elowGrade Ree: Room Unfinished 1500 Rec Room : FwnctlonalUlllil Avera e Aver e AveraQe : AveraQe Healln ICOOII\'1 Oil Base Bd Gas Hot Wlr Oil Sase Bet : Heat Pumo . ''''' ElflCiefllll~m5 CenlrsJ Air Cond Centraf Air Cond Cenlral Air Gond Cenlral Air Cond Garll elear H 1 B-In Gara e 1 a.lnGara e : 2 Att. Gara ,2000 2 8.in Garaoe Porch. Palio.Deck. Patio Porch -500 Porch -500 Deck FireDlace(sl.elc. 1 Fireolace 1 Firenlac:e None 2,000 1 Firenlace Feru:\O.Pool,etc None None : None : None : None None : None : Nane NmAni,IOlatl Xl + , I, ., 23100 ,[10_, c_L,J," " 20,100 Ilxl, I I, " -- , AdJustedS~lcsP1il:t: 19_7% 23.0% 22.9% olComnarallle 14.1% $ 1 80 100 13.0% , 175100 13.B% \ ,- Comments on Sales CompiYlson htlduding lhe subjecl plopeny's ccmpatilMliIy \0 me neighborhood. etc. )~JEl USPAP Addendum & Addendum ~ A. are attached and are an inlaaral part of this aDPr.lisal. Que to the lafOer acre-aoe of the sub eel the Qross and nat adjustments are r", ir,.~ hlah. In addition the reported value is not bf3d(eted bv the camoarables, The subiects lot could be sub-divided into additional OUI,,": - lols. thus the adiuslmen! far the lot size (Q} $6.000 per acre is justifiable. The compafables selected are considered to be the mcs: aro)(imate mast reeMI and best comoarables available. These como-arables eslabUsh the fanoe of value for Ine 5ubiect O(Qr;ert', ITEM SIIBJECT COMPARABlE NO 1 COMPMI.ABtE NO 2' COMPARARlE t;0 Dare. PriceanllData SOlI,;elfXjXwsales lMlni<l'IC<lIdaooillSo3l CPMlS& STE8S CPMLS & STEBS CPMlS & STEBS CPMtS & STEBS AflalysI5ojaIlY~Ulrelllagreemcnlolsale.OpliQf\,tlf\isUl"l9lilhesubJeClprDperlyanaanalysisofa(lYIXQ"salesel$Wjeclarocomp;ril~eSWilt1inoneyearo(lheUJteolop~J.:':; The subject property is under contract for $172.000. The cantract was reQuesled bul not made available at the time of Ihis aDcrals" The sUb'ect aod comps have not been transferred In the last vear other than as shown above. INDICATED VA.LUE BY SALES COMPARISON APPROACH "l 1~: INDICATED VALUE BY INCOME APPROACH(lI AooIicllt*'! ESllma'~ Mark'et Re~l" $' NIA AM.~GlossRertMl.tiDier NIA .. This ilppralsal is made lKl'asls- UsubjOClIOIlle.i's.arerilliOllS.~sorconllillonsli51edbeklw Usu~tloCOOlpIeOO(\perp\am.~nclsP;;CI:..:.a:.;~: CQ(l(llIIOns.rJ.~iIl'!oIO: Thla appralaalls comoleladln -AS IS- condItIon. Final RcConcilialion: The direct sales camparisoo method is considered 10 be the most accurate method of aehievinq fair market value , cost approach sunnor1s the reonrted value. The incame ancroach was not utilized because in this mar1<el area few s\oQle homes a'''' . rented a.nd Ihere is insuffie:ient data available to develap an estimated market rei'll or a GRM. Tt\e pIllpOSe of this appullsal is to esllffiale the mar~et ....attre<< the \\Oal plopcny !llat IS ltle subject of Ihis repol, basell an the atloveamdillons and Ine ccnrnCallorl, Contlrx;9~" ancl Ilmlling corllJlliMs, aM market value defioil.ion that ale5ladinille atliIChect Freddie Mac Form ~J9fFaMeMaef~m '00411 lRe>.1sed 6193 1 I (WE) ESTIMATE THE MA.RKET VALUE. AS DEFINED, OF mE RE:AL PROPERlY mAT IS THE SUBJECTOflHlS REPORT,ASOF 04f0312001 . (WHICH IS -mE DATI. OF iNSPECTION AND THE EffECJlVE DATE OF THIS REPORT) TO BE $ 175,000 . A,PPRAIS~ ~ ~ SUPfRVlSO(lY APPRAISER (ONLY If REQUIRED,: COlct ~' Sinnawre:", . SlImalUlte Name Jo~n S Ensminoer -t Name 11\5pef).PIPPf"' Qate R<'-p(lI\ SiQnell 04103/2001 Dale Report Si(!ned S\211eCCltlhc2ltlrlfl' RL-001554-L Slal~PA St(lreCerrilicilllonI SlalC 01 Slaw Ilccn5~' Slalr Or SIJleliCl!IISl!I SI,llr rroO<JlOlMocr"mlO b9J /"'1\ l-enfllea KeSlaenua.1 r-:;e"li PAGE IOF2 , ","cM",,;.,,_ Estale Appraiser ...b.._,.""".........A" r_'f"."~.....-'.I"_MIIlJlII.1II .J"hn:; III';U""'"'' ^"", ". ,I. ,Jvlemenlal Valuado,., Section File No, 00855..;..;~ ~rrM SUBIECT CQMPARAal ( NO. ~ COMPAllA8l[ NO 5 COMP:.',.~.. 121 W. Winding Hill Rd Address Mechanicsburo P!\l~lml1'ilO Sullen SJleSPIICll , 172.0001 I 0 1 , Pxe!GrOS'illV lI$eil , 98.62 0 I 0.000 I 0 1 - - D.Jtaandlor Inspection STEBS & CPM!.S VellticallonSoUlces VALUE AOlU~!MtNTS DESCRIPTION DESCRIP1lON 1.!\lMI_ DESCRIPTION I ,ll\"'_t~."r"". DESCRIPTI;:!.' SJlcsOf Fmailcmg . Concessions , . . O"tecfSil\erfime f Not Available : : lOCaliQJl Suburban , leM"d:1'Fre5iroe Fee Simole Fee Slmole : : Site: 4.46 Acres Acres : : v,"" Good Avera 6 DC'Slnn and A ," S lit Level : " OlClllVd~orn Alle-raol'! : ". 43Yrs. ClI1dilion Averaoe : : AbaveGlade 1<'l1l ' ~,'ms ' -- ""M"'" ..... : Ic.;II'llolrns' ~. : luOi' \10'''''' "" : Room c""'" 7: 3: 1.50 0: 0: : : , : : GlOSS livina Atea 1744 SoH. o Sa.F1 : 26.200 5o.Ft : San . 8asemerut.F,lIlstJej Partial 6smnt . Rooms &;ow Glade Ree Room -'/shed , furcliooaIUlI)~Y AveraQ9 : : . HeallnnlCoolinn Oil Base Bd : : EnmN Ell"roa IICm5 Central Air Cond GalMlf'ltarntlrt 1 B,In Garaae 2 Alt. Garaoe : : : POlen. Palio. Deck, Patio Firevlace{$l,e!c 1 Fireplace . fenre. POOl. mc None : : ; None : : NelAdi [mall IIX . I. " 26200 IX . I. 'I o IXI. I. ;$ AdjlaedSalcsPrce 0.0% 0.0% 0.0% olComrwable 0.0% I 26 200 0.0% 1 0 0,0% , CommenlS Oft SalesComllMI!'.M \ine1ulling lne$lllljeapropeny's comp~~tOlhe~oct C1e.); SALES COMPARISON (456) COMME~. -:: ITEM SUBJECT COMPARA8lE" NO. 4 COMPARABLE NO. 5 COMPARARI E NO 5 Dale. Pfteaod Oalil SWr.ek.-p-Kv.sale5 WoIMlveaJoIaM'alsal CPMLS& STEBS CPIollS & STEBS Analr;IS 01 allY current agreement of sale. optlOll. orli:!Jrlg oflhc subject pl'oplYlyandanalysi$d" anypil1.ofSl~nCXlll1ll<llabkJswilhJloneyeald\hc{jaleol ,;:::;~ ;..: See Paae 2 (A 56\ ANA.l YSIS OF CURRENT AGREEUENTS OR PRIOR SAlES: . . - - Sum! ppraisal Report UNIFORM RESIDENTIAL APPRAISAL REPORT .....L.JDENDUM Borrower- REGINA MAGEL Properly AOdless. 121 IN Windino Hill FM City MechanicsDlJr~ Lender: WFHMI CP RE~l TOR.C130 File NUn 008554-42 Case No Slate: PA lio' 112:5 ADDENDUM "A" This report has been electronically prepared and and transmitted to the client in complJance with USPAP gUIdelines whIch includes verification of complete file transfer and delivery, digitally protected signature, ::l.ne adequate security measures in place to protect the data transmitted by the appraiser. APPRAISAL DEVELOPMENT AND REPORTING PROCESS This report is a Limited Appraisal- Summary Appraisal repart as defined by the Appraisal Standards Board of the Appraisal Foundation. The departure provision was utilized in nol developing the (nccme approach as explained ~n page 2.::;: ihe; ftlPU'l. This report is intended 10 comply with the reporting requirements sel for1.1'1 under section 2-2b of the Uniform Standards of Professional Appraisal Practice. This appraisal report presen:s only summary discussions of the data, reasoning and analyses that were used in the appraisal process 10 develop the appraisers opjnion of the marKet value of the subject property. Supporting data is retajned in the appraisers workfile. The client fer which this report is intended is shown on page 1, on the Lender/Client line In the subject sect!or~. The depth of the discussion contained in this report is specific to the needs of the client. The use of this repo~ by any other entity is prohibited. The intended use of this report is to estimate the market value of the subject property for use jn a mortgage finance transaction only. This report is not intended for any other use. GENERAL COMMENTS The Insulation is concealed and therefore the appraiser has relied on the homeowner for any information concerning the presence ar absence of insulating materials. Data sources utilized in the preparation of this report include but are not limited to the following: Cenlral Pern Multi.lisl, Real Estate Data SelVices, REDI, March Imaging, Delorme maps, the County Courthouse and local Real Estale Brokers and Companies. This report has been prepared using digital technologies In order fo produce a quality appraisal in a timely manner. 11 includes digital mapping, signatures and photographs. The sales photographs, in some instances. are retrieved fram the appraisers data bank and may appear out of season. In most cases these photographs show the comparables as they existed while on the market or under contract. It is this appraisers opinion these photographs usually will give the underwriters a clearer picture of the comparables as they existed when they were sold, not perhaps 6 months after the new owner has made numerous up.grades to the property. This is to certify that any digital photographs used in this report have not been re~tauched or modified in any way with the exception of accepted lightening or darkening as may have been required for clarity. SITE COMMENTS The subject property Is used as a single family dwelling and \s appraised as such. This Is the highest and besl use of the subject property due fo the zoning restfictions. Thera ars no apparent adverse easements, encroachments or other adverse conditions that would have any effect on the reported value. The title was not checked for liens or deed restrictions. Well and septic are cornman to the area. This is not deemed to have an adverse effect on the reported value. Adverse. Environmental Conditions No .pp.rent adVlIIlIO if;nvlroi1mor.ill\ tOnoltiona wera noled on the date of Inspection that would effect the sublact or surrounding properties. However It should be noted that the appraiser has no formal training relative to the determination of asbestos; lead based paint; radon gas; loxic waste or any other such environmental concerns, It is suggested that illhe client has any concerns regarding 10 these matters, a prOfessional should be contacted to to examine the property and render an appropriate report. Aopraiser: ;i?L.a:&: . 1 SupelVlsorv Appraiser: Name John S Ensmlnoer Name: A\1,lllnrhlmP;"jll lull Operating Income State Jot One- to Four.Family lnvesfmlUProoertv and Two- to Four.family Owner.Qccunied Pfopertv 00855442 ProperryAddress 121 W. Winding Hill Rd Mechanicsburg PA 17055 Street Cilv Stale ZiP Code General Instructions: Thislorm is \0 bt prepared jointly by the Joan applic.ant the appraiser, and the lender's underwriter The applicarll mUSlt complete \he lollowing sdltdule indicating each \.lAirs remal Slaws, lease ellpiraljon date. currenl renl, marker [e" and the responsibllltv tor ulitilv ellDenses- Rental fi(lUH~S must be hased on ,he ren! for an .untumisheo" llnit Pi;" By' ~ c: ~ c: ~ Trash Removal rx The applic:altt shOuld complele all alltle irame and eKpense prOjections and lor exisling properlies provide actual year-eM Opefa[lli~ $tatemel\ls lor the past two years (101 new ptOpecIies (he lIPpJicann. pllJj'!c!e!J im::;;;;;;Qii{j It"pl:lflies mUSI be provided" TillS 0 per a I I n ~ Im.orne Slalemenl and previous ol1ecalm,statements Ihe applicant provides must then be senltO the appraiser for review. com. men!, and/or adJustmellts flel! la the applialrs ligures (e g.. Appllt:anUApprSiser 2881300). If the appraiser is retained to tamplel e the form inSlead of the applicant, llle lender must provide to the appraiser the aloremenlioned operating statements, morrgage insur ance premium, HOA dues. leasehold Il3YMflts. subordinale linancing. andlor any other !elevant hllormation as to Ihe income anD expenses 01 the subject property ceteive6iom the applicant to 5ubsrBmiate the pcojettions. The underwriter should carefully l~....ie','." the appticanl's/appraisef's pfojeclions andlbe appraiser'S comments concerning those projetrions. The underwriter Sh6Uld make any final adju5tmem~ thai are l1ecc~~ary 10 mall: accurately reflet:l any income or expense items Ihatappeaf umea~ollable tor the warkel (Real &Slale (ilxeS and ;nsufilnce on these types of pfopeflies s,. included in Pin .nd f10t c.lculaled as sn Bill/UBI ellpense item. I Income should be based 00 CUHef\t rents.,.. should nor exceed market rents. Wtlen there are no currenl renlS because the prOpeH) is proposed, new. Gr clJlfemly vacant. made. rents should be used. Annual Income and Expense Projection lor Next 12 months Currenlly Re\\t~ll E~iOll llIIe C"rrem Renl Per Month Utility Expense Electficily. Gas. . Fuel Oil Fuel (Q'herl Waler/Sewer> Mai"ketRent Per Momh Unf\ NO.1 Yes Uml No. 2Yes UIlII NO.3 Yes Uni\ No. ~ Yes Total s s s s s s s s s s NO~ No No No Paid a Owner Incame (00 1l0! include ITICOflle 101 owner.~lIIfi(sJ Gfos~ Annual Remal (lfOIn Orllt(s) 10 /)V fentcdJ ... Other Income (mcludeJiOlHces! TOlal Less Vacanr:ylRentloss EffectIve GIO~slncome ByA~~anUA~~ s 10,200 s 10,200 42.50 ( 5%1 10,158 s Expenses (Do no! intlut1v ellpvnSV$ ff)/ Ottflef.()lIIfNed /JIIllsJ EleclricilY.. Gos Fuel Oil Fuel _ Jfypt: Water/Sewer Trash Removal Pesl ContrOl Olher T3)(ec;,Ollicen~es C35uallablX ........... This includes the costs lor public afea deaning. snow removal, etc., evell though Ihe appllCilll1 may mlf elect 10 contract 1m such services. l/llerior PairlllDecoraling . ._,......... This melt/des {he costs 01 conlracllabor and malerials that are required {o maintain Ihe imeriors ollheRing units. General Repairs/Malntenance . . _.. . . . . . . This includes the costS o( cOCluacllab~ and materials Ihat are required to mainlain the PUbliC corridO!s. stairways. rools. mechanical systems. grounds, ere. ManagememExpenses These are the customary ellpenses that. professional manage. mellt company would char!.lc 10 managellle PIOpccty, SlIpph\l5 This includes Ihe co$lS 01 (tems like hgt'AtlbIbS.janiIOrial supplies. ell: Total Replacement Reselves . See Schedule on" 2 IJ.isce\ltll'r0J5 T olal Operating Expenses s AdlllSlmenlS\)Y lernlcr'stJrulerwrue, S s " " 75 100 100 20 290 585 00855442 Replacement Reserve Schedule Adequate n:placemeJI! reserves must he cakul8\e regardless 01 wllelher ilctuat reserves afe provrded for on rhe owne: _, slalemems or are CU,lomafY in Itle local marKet. This represents the tOlal ,we-Iage yearly reserves. Generally. aU eq\llpme:,~ ~ ponenlS thal have a lemamrng lile 01 more Ulan one year.sllch as lelrigeralDfS. slOves. clothes wa~IH~fsJllryers. lIaS!i cr.:,' (u(lIQce'5, IDOls, and carpeting. etc.. should be expensed on a replacement COSI basis. Equipment Replacement Remaining By ApplicantJ Lender Cost Life Appraiser Adjustments StovestRanges @, 500.on ea. ~ -2Q v" , UnilS $S 25.00 , RelugeratOls @, ea. ~ VIS x UnilS $S , Ois!\washers @, ea, ~ Yrs. Units..$ , NC Umts @l ea.... V" Unhs4 , C.WasherlDryers @, ea. ~ Vrs x Units 4 , HWHealers @, 250.00 ea.~ ---1Q VIS. )( Units"t 25,00 I futnace(s) ill'S 3.000JlO ea..,. -..A Yrs. x UniI5"S_.___ 12000 lOlher) @, ea. ~ n~ , Unils ,,$ , Roof @, 3.00000 -..A V" x One Bldg = 120.00 Carpeting (Wall to Wall) Remaining Lite IUnilsl (Public Areasl Total Sq. Yds.@L- Per sq. Yd 1DlcdSq. Yds. @~ Per Sq. Vd VIS, "" 'irs,,, , , Total Replacement Reserves. (Enteron P9. 1) 290.00 Oper3tinglncome Reconciliation S 10.158.00.$ l:/teclNe oross Income 585.00 100alQperallng!:.xpemes ~l 9-,573,00 .,. 12" IJperal\nglncome MOnlhlyUpeUM'] 797 - ~ S 797.75 . S Monthly Operatlng Income Monlhly Housing Expenses .1 797.75 Nel Cash Flow (Note: MOnl\\l'j l\nosmg Expense includes principal MG il1teH,~1 on lhe mortgage, hazard Insurance ?H~m\ums, real estale la~es - gage inSlHilnt:e premwms, !-lOA dues, leasellchl payments. <Jor! SUDordinate liJliHlClHtj paymiJlll"'.} Underwriter's IIISlfll(\iol1, lor 2-4 family Owner.Occupied PlOpenies If Monthly Operating Income is a positi'fe number, enter as "Net Rental Income" in the "Gross Monthly Income- secuO;' - Freddie Mac Form 65/FaM;e Mae Form lO03. If Monlhly Operating Income IS a neg3live number. it mus.t be II\cllJllea JS ~ r;abilit~ for qualilitallon purposes. The bOHower's mOnfhly housing eJ.~llmse.tlH!ltome rallO must be calculaled by cOffiliaring the total Monrhly Housing S~~e'1s,; for lhe subject property 10 the bOt(ower's Slab/I" month(~ income. Underwmer's ilJSlructions fOf 1.4 f amity Inveslmeol Properties /I Nel Cash Flow is a pasHille number, enter as "Nel Rental Intome" in Ihe "Gross Monthly Income" section 01 FreocH; ','2: FOIlIl 65JFanflle Mae Form 1003. II Net Cas.h flow i", a negative llumber, it musL be included ilS a liabillly for qua!IIIC~';LJ" purposes. The bar/ower's lTIofllhiy hOUSing expense-lo.income rallo musI be calClllaled by comparing the lotal monthly housing eXre'lS:" 101 Ihe bOllowe(~ primary residence to the borruwer's sla/Jle monlhly income. Appraiser'S Commenls (mCludmg sources fO/data alllJt3IlDnale lor the prOjectiOns) APPRAISER'S COMMENTS; John S EnsminQer AppraIser Narne 04/03/2001 Date Undm'hriter's Commenrs Jnd Ralionale lor Adjustments UNDERW~tTER'S COMMENTS: Date Underwriter Nalfle Underwflter SignalUfe F'c-lldleMac frnm998 Aug88 PAGE 20f 2 !I.,_..._""....A(.'~"""""H.....'_',.,'...'_l"'m John S Ensminger Appraisals FJn~Je '>~e fOI",,!],jA"'lnd SINGLE FAMILY COMt'ARABLE RENT SCHEDULE ThiS form is ll\l4!OOed \0 plovide me appral.5.Cl oMIt! a famitl;w formal 10 eSlimate Ute maftel fen! 01 the SUbject Ilmpe<<y MjllSlmel1ls 5houJd be made DIlly 1l)11lemS of ~gnific.anl (jIlfelente belweerl Ule tomlWobIc~ aM 1l1C subject properly ITEM sU8JECT COMPARABLE NO. \ COMPARABLE" NO. 2 COMPA~:'S.: . Ad(]rcss 121 W. Winding ~ 602 Wingert 16 Mimosa 506 Mark.et St Mechaflics~ Mechanlcsbllrn Mechanicsburn MechanicSbllra P!'J~lm\t'j\o 5ubJCCI 2 Miles 1 Mile 1.8 Miles Oal€! Lease Bcgms Not Available Not A'ltailable Not Available Not Available DaHl lease flplles MCl1l1lljRcnlJI If Currently Renlcd S Nil. . 895 $ 825 , less: Utilities . O. . . Furnilllfe . . . . ~1J~!;:~::l MomhlvPent . o . 895 . 825 . OalaSOUfce Inspection Rental Agency Rental Agency Rental Agency RENT ADJUSTMEN1S D~SCR!PTION DESCRIPTION .\J'''ftl_ DESCRIPTION .Il'.....""u. OC5{:Rlf' nON <'1' Rem . None N""e . None Concessions . . . Average Average . Average . Average .. LccalionNiew . . Design and Appea! Split Level Ranch Ranch Ranch . . AgelConOiliOll 43 , Average 25 I Avg .20 321 Avg . .10 45 I Avg . . .. AboveGlal1e 1"'1 . .,~' "'" Tctoll 11kr~ ... . ,...I8lrmillllllll.' ,., M~ 1\0"11<' RoomCoul1l 7: 3: 1.50 6f 3 1.00: 5 8 3 1.00: 5 7 3 1 ,OO~ Gross livinn Alea 1 744~fl 1176S<\f' : 28 1356 'SQh: 20 1.456 SIll': . Olher(e.g..lJaSl!ffienl. Partlal Basement fuH Basement Full Basement None etc.) Rec Room famU" Room BU. i .10 Familv Room . Olhel": 1 Car Garage 2 Car Garage .25 1 Car Garage . . NelAdi (totall -I. Xl. I' 22 Xl. r .1. 15 X. '.._1' ImllcatedMonthly :~.O 4.0 6.0 M3I~eI Hem . . .0 1 873 '.0 . 840 6.0 S Comment! 0(1 malklll dala, Including /he la. nl fenls for single lamily propenie'$. an estlmllle 01 vacancy fOl' single family renlal propellll!S, the gcn..~ ~ oj rents and vacancy. aud S\lPllOIt lor l11e aDoveadjlJstlIlellts.1Renl concessIons should be adjuSled to ~he malket. nol (0 lI1e SUbjecl pfopeflY.) The subject Is currenlly vacant and has no history as e rental property. Using Ule above local rentals. I would estimate the monthly re- $B50.00 with all utililies paid by the renter. Final Reco-nciliillrOIll.l1 M<lrkct Rent: Based on the above rentals the data indk::ales a rental value between $840 to $673 pe-r month. . . I (WE) ESTIMATE THE MONTHLY MARKET RENT OF THE SUBJECT AS OF 0410312001 lOBE: S 85' APPRA'SE5?l ~~.. SU~R\nSORY APPRAISER (ONt y W REQUIRED): SinDalure . SianalUltt Nilffie Jah"" S Ensmlnoer -r ."'" Dale Rr.oQft Sillrw.!! Apnl 3. 2001 Dale Rcoon Sionl!Cl S\31eCertlhCilllOn' Rl-001554-L Slall! PA 5lalaCeitdicatlOl'l' Slate o~ Slam \ lcr.nse I Slate Of Slale license I 51ale PA Certified Residential Real Estala Appraiser 008554~2: FreCld..M.~Ft"mlOlNl(al8aJ If''___'''''',tQ___'__~.M''1I' F_M...Form1{)O John S Ensminger AppraisalS file No. OOB55~4::: DEFINITION OF MARKET VALUE: The mOSl probable price which a prcpelty should bring in a competitive a(1~ =:~- wIlier ill! ClllliJl[iulI~ (eljlliSlle 10 a I.ur sale, the buyel iJl1d s.eller. each acting prudelllly. knowledgeably and assllming i 'e . a(lected by lJ)1dlle SlHnlJJus. Implicil In this de{lllitionl5 the consummation of a sale as of a specilied date and the pass:'Q ~ seller 10 buyer under condi\iQllswhereby: (1) buyer and seller are typica!(y motivated: (2) both parries are well in{ormec c'; ,,~ and each acting in whal he considers hiS own best interes\: \3) a reasonabl(:! time is allowed fOf Cl:pOSllre in the open ma;~et l~ made In teflllS 01 cash ill U.s. OOllars 01 inlelms 01 tlllilnclal arrangemenls compalutJle lhereto; Jnd (5) the price repre5~~,~~ COIlSh,kralWlI kll tile plOpeny sold unaHecled by special or creative financing or sales concessions' granted by wyone a55'~'~i,,:~- s.a(e "Adjustments to the compalables must be made for spedal or creative financing or sales concession'i. No adjustmems are :'e:~~, tMse cost:. which are normally paid by sellefs as a lesul\ olUaaillOn or law in a market alea; these costs are readily idenliililc'::-: seller pays these costs in I/il'tually all sales transaClions. Special or creative financing adjustments can be made to tile comra~2;:'~ = by comparisons to financhlg terms ollered by a [hud party mstilulional lender that is not already involved in the plOpeny Of 1faIl52~. adjuslmem stlOu)d not De caleulaled 0(1. a mechanical dollar tor dollar cost of lhe llnancing Of concession bullhe dollar ;liTec. adJLJSlrrleJlt should approximate the malkefS leaclioll to the financing or concessIOns based on the Appraiser'sJudgment STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION CONTINGENT AND LIMITING CONDITIONS: The appraiser'S cerlilicalion lhat appears in the appraisalrepon is 5:.;:_,0;. (ottoW~1\l cOfilli\\ons: 1. The appraiser will not be responsible lor mallers of a legal nature that aflecl either lhe properly being appraised or the lllle i: appt"aisef assumes tllatlhe tifle is good and malKelal:lle anll, llleretore. will not render any opinions aUm.ll Ule UIle. TIle propeny 1$ ~_ on lhe bdSis of it being under responsible ownership, 2. The appraiser has prol/ided a sketch in the appraisal report to show approximate dimensions of the improvemenls and L'1e s' included only!O assist the eeader of \he repon in visuJJizing the properly and understanding Ihe appraiser's iJelermillatlofl of its :;ize. J. The appraiser has examined the: available flood maps that are provided by lhe Federal Emergency Managemcm Agency lor G:~" source:;) and has noted in the applaisal repon wtlelher We subject site is located in an identilied SpeCial Flood Hazard Area ::2L"~ 0= appral,:>er is not a S\.lNeyOI. he or she makes no guarantees, express m implied. regarding this determination 4, The appraiser Wilt not give testimony Of appear in court because ile or s.he made an appraisal of the property in ql.lcstlOn. linle:S5 ~- arr8nguIIII,wts (0 do so have been made belorel18f1l.l 5. The appraiser has eslimated the value of the land in the cost approach a! its highest and best use and the improvemen(s ~. contributory vatue. These separate valuaHons of the land and improvements muSI not De used in conJUl1ction wHh any Olher apol" ~~ are iflvahd if Ihey are so used. 6. The appraiser has noted in the appraisal repofl any adverse conditions (such as, needed repairs. depreCiatiOn. the presence of h.3Z::'~ = waslcs, loxic s.ubslaJ1ces, elc. ) observed during tI\e inSp~tlmn vi 1) Ie subject property or (flat he cr she became aware at during Ihe resea(cll involved in performing the 8pp1aisal, Unless olrrerwise slaled in tile appraisai reporl. the appraiser has no knowledge of allY" or unapparent cQl\{jilions al the properly or adverse environmental conditions (including the presence of hazardous waSles SI.lUSI8IlCes. elt. ) Ula! would make the property morl,!. or less vahJable. and has assumed lhat thece are no such cOIICIIlions anJ rnah;~ gUillam~~s or walleUllies, elfpres.s 01' implied. regalding llle condition 01 lhe property, The appralsel will not be responSible for an; ~,. COndl/fOrlS Hlal du eKisl or 101 any engilleering or tesling that might be requifedto discover whether such conditions ellisl. Becaus= appral5e' is nOl all expert In Ihe field of environmental halanls, the appraisal report musl not be consideled as an erlvironmenlal assc~~ '" ofUlepsoperty 7, The appraIser obtaIned the Information. esllmates. and opinions lhat were expressed in the appraisal repoTl fram sources ttlat he c: considers to be reliable and believes them to be true and correc!. The appJalser does 1101 assume responsitJiJily lor the ClU!\( ;\cj' ,~i ilerrrs lhat weee IUf\~5hed \yy {lll~r pal1ieS, B. The appraiser will nol disclose lnecOOlents of the appraisal report except as pfOvided for in lhe Uniform Standards of Pr\)le:.s,~;-;, AppralsalPfact(Ce, 9. The appraiser lIas based his or her applaisal report and valuation conclusion for an appraisallhal is subjecllO saUsfaclory CDmp!U repairs, or atte{atK\\\5 on tile assumption !hat completIOn of the impmvemems Will be performed in a workm.lflllke mannel. 10. The appraiser must provide hi5 Of her prior wrillen consent before the lender/cHen! speCified in !lle appraisal report carl dislntu18 . _ appraisa.l teperl (includ\ng conclusions aboulthe property \falue. the appraiser's identity and professional designations, and relerer1u:s :~ any professional appraisal organizalions oc the firm WIth which tll€ appraiser is associated \ \0 anyone other than tile borrower: U:e mortgagee or ilS successors and assigfls; the mortgage illsurer; consullants; profeSSional appraisal organizations; any state. or (eui:f:'.;, approved /inancial insHtl.llilin; or any deparlment. agency, or Instrumentalit'j 01 the United Stales or any Slate or the Oislric\ 01 Colurntlc elcept Ihnl the lemler/cllelll may dislriotlle lhe propert~ lIesuipllOn section ollhe report only to data collect'.on or reporting serVlce:5 wl1holl! having to ohlilifl tJle appraism's prior wfl\ICII comell!. Tile ilppraiser's wlIllen collsenl and approval mUSI also be obtained before tfle appraIsal can he conveyed by anyone 10 lhe public ihrougll advertising, pUblic relatians. news, sales, Of Dlher media, freddie M,Jc Form 4.196-91 Page 1 012 Fetnme Mae rorrn 10048 O~~ file No. 00855442 APPRAISERS CERTIFICATION: The Applaiser certif~s and '!Ifee, ltla" 1, I have researct1ed (he subject market area and have selecled a minimum of three Jeeenl sales of propeflies most similar an':: ~. to the ::.uojecl property {or COllsideralion In Ihe sales. comparison analysis and have made a dollar adjustment wilen applOpriiJle I;; - market fcaClian \0 IllOse Ilems of significant variation. II a signilicanl ilem In a comparable pmpe11y is superior to . Of mOl~ favo' ~ Ihe subject pfOpefly, Illave made a negati'Je adjustment 10 reduce lhe adjusH~d sales price of the comparable aod, if a s.(~J(HllL"i . compari.lbte pmpeny is inlerior \0, Of less favorallle Ihallthe sllbjecl property, I have made a posilive adjustmlJlltlO illcrt)J~o:! t: S3!esf)ficeollllecomparBOJe. 2. 1 tlilve raken into consiaeration Ihe factors that hiwe an impaCl on value ill my developmenl of the eslillla\e of markell/ii' appfii\'.iallepurl. I have not knowingly withheld any ':iiynificam information from tile applabal report aud I oeh~ve. to lilt:: Ll'~ kl1owlel1ge, that iill stalements and informalion inlhe apprars.11 repoct are tl\Je ana correct. 3. I staled in the appraisal report only my own personal. unbiased, and professi0081 analysis, opinions. and conClusions, which ar::: "- only to tI;e contirogent and limiting condillons specilied in Ihls (arm. 4. I have no present or prospective irneresl in the propefty tha! is lhe subject to.lnl'5- r~pO!1. ar.d : hii"ic IN preseht or prospeclive ;". ioterest _or bias with respect:o the j:laiiil.;llams In the tcansactlan. I djd nol base. either partially or completely, my analysis a;-:; _ eslimate of ma~ket value in the appraisal report on the race, color. religion. sex, handicap. familial status. or narioral origIn 01 e.:':' prospeclive owners or occupants of the subject property or 01 the present owners Of occupants of the properties in Itle I/icirllt~, , subjettproperty. 5. 1 have no presenl Of contemplaled future interest in the subject ptopeny. and neithet my current or future employmenl ; compensation lor performing tros appraisal is contingent 01\ ttle appraised value ot the property. D. I was not requirea to report a ptedelermined value or direcUon in value that favors Ihe cause of the client or any reta~e-J ...:: Ihe amounl at Ihe value estimate. the alJainment of a speclflc resull. Of Ihe occurrence of a subsequent evem in OIlier 10 rC(..I:I'... campellsatinn i:ll1dfor employment (or pedmming Ihe appraisal. 'did lUll base ltIe appraisal report on a rcqueslcfl minimulll Vdlll,-"'_ speC/liL l/iJhliltlOn. Of I!le 1\L'elJ lu approve a specific mortgage loan. 1. I peffOl'med this appraisalln conformity with the Unl(orm Standa1ds of Professional Appraisal Praclfce Ihat were adOpleJ i: promulgafed by the Appraisal Slandards Board Q( The Appraisal Foundalion and tl1at were in place as of the ellective dale of thIS 8j;j.;'".~ wilh Ihe ellception of the deparlUle prDvision of those Slandards. whict. does not apply. I acknowledge lhat an estimale 01 a lea~~;k tIme lor exposllIe in Ihe open market is a condilion In the definition of market value and the eSlimate I developed is conslsletH ,\.:[.'1 markeling ((me noted in the neighborlto(}d section 01 nus tepon. unless I have 0l1\efWise staled ifIlhe 1econciliation seCliorl. 8. I have personally inspected the illlet"ior and ex/erior areas of Ihe subjecl property and the ell.teTior of all properties listed as compal j:, in lhe apprais.al H~pon. llunher certify that I have noled any apparent 01' known adverse conditions ill \l1e subject improvenlt::r.\J .",: subJeCl site. or on afl'1 site wilhin me immediate vicinity 01 the subject properly of which I am aware and halfe mane adjuslmellls fl,1 11,-.;c aoverse conditions in my analysis Q( the properly value to the eXleot thai I had mark.et evidence to support them. I have also comlne::" about tl Ie effect oIlhe adverse condiliar1s Ql11t1e. marketability at Ihe subject propeny. 9. I personally prepared all com:tuslOtls and opinions about the real estate that were set fOlth In Ihe appraisal report. tf I relleel L: significant prmessmnal assisfance rromaRY individual or individuals in the perlormance ot lhe appraisal or tile preparation of IlIe aP\ilQI~;:: feporl, I have named such inOividualls) and disclosed \he specillc lasks performed by them in Ihe reconciliation section ot Ihls allf'! .:.;~ . repOrl. I cenily thaI any Indiliidual SO named is qualilied to pe.-(onn lhe tasks. I have not authorized anyone to make a change tu any Ilt~!), the report thefefOfc, if an unaulhorlzed d\af~ is maue 10 the ilppralsalceport. I will lake no responsitlility for it SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed the appraisal report, he ot she cefl\:le~ and ogle-es Iha!: t direcUy supervise the appraiser who prepared lhe appraisal report ha'4e reviewed Ihe appraisal reporl. agref' \.'J'{)! (,~~ Slale-ments al\o conclUSIOns ollhe appraiser. agree to be uoulld by Ihe appraisers cerllfications mlmbered 4 Ihrough 7 allolfe-. and al1l1dkli I:] full respoflsibiht) fOf ,he OWI<li~1 and me appraisal report. ADDRESS OF PROPERTY APPRAISED: 121 W. Windin. Hill Rd. Mechanlc$bur.. PA 17055 APPRAISER: SUPERVISORY APPRAISER (only if required) Signa""., ~~g. . Name: Joh S Ensmi er ~ Dale Signed: 04/03/2001 Slate Ceniflcation I: RL-001554~L or Stale Lirerlsel: Slate: PA Certified Residential Real Estate Aooraiser E~pira\lon Dale 01 Cemlication oc license: 0613012001 Slgnat~e: Name: Dale Signed: StaleCeniflCllionl: lXSlatelicef\5e'; Stale: Expiration Date of CertifICatiOn oclic.ense: o Did 0 Did NoIInspec1 Properly PA Certified Residential Real Eslate Appraiser FledoleMacForrn.096.93 P<1!Je2of2 fallnieMae Form 1004136-93 COMPARABLE PRC :er REGINA MAGEL -P,v~en" Address. 121 W, WindioQ Hi>> Rct City: Mechanicsbllrq Lender WFHMI CP REAL TOR-CaD rv PHOTO ADDENDUM File No 00855442 Case No State: PA liD 17(':'5 COMPARABLE SALE '1 16 Greenway Dr Mechanicsburg COMPARABLE SALE #2 305 Widders Or Mechanicsburg COMPARABLE SALE #3 91080nny Ln Mechanicsburg sue PHOTOS ler: REGINA MAGEL -PIUflertv Address: 121 W. Windina Hm Rd City: MechanicsburQ l enGer: WFHMI CP REAL TOR-Ceo SI81e:PA . y- " /-':'::':.' :i\"""'~Xt"z'.fr.'t'~""';I:.;;,_., '" ~1t.t::{.~e;,IJ."Q,",..c;~'_' ";[' ;":-.tJ~t.;:; &=:.t,''';:~'f'':'':~J' ~.(f .~~it~.1~;f.\\-'" ,'.' ;C't>::"~",~r.;..", }~,~.;., I~;;;'/,~" ~<f~;~~f~:':-- _ . -~:J,,3!$1f ~~~.::--; I >J. ;"".. \_) \.. r:_.' -,'\_;" ;'. "~'~,~.~,~,' '-"",r, '-"'-.' "-',,)',; FUe No.: 00855442 Case No.: Zip: 17055 Subject side view Subject Front View APPI C:RS liCENSE L~,.ower REGINA MAGEL Propenv Address: 121 W. WindinQ Hill Rd Citv: Mechallicsbufq lenrier: WFHMI CP REALTOR-CaO File No.: 00855442 Cl.\seNo: State: PA Zip' 17055 \,;.;:" " ,! , '...-. c'. ' ,~,' ~,Ill",onW,"Iah;,~ n~' it,~~"~"i;j\I,j<Q.,d)~~Mr'6;'\J!, C ~ ~ :. Ocpa.rt~g.t~f Stale: j' \'w-.;:\'t...;; t l J ~";t...""~" ~ - ':8Un:aa"ot'PIQ~W~~lqN)AfrafP{';1Il;'.,,,, ".., ;tl,,,- ,.,rJ,:::;'~";;;</~\r P,O, BaX2~g, H."lbul, PA 17r~i ,..~ "",( i,,'.,"'''''''' i"'" , , J ". t1 '1,~' ''/ \L I'Vli '::~ "; 'j' C1uo1/fCllioa "'I'~U J ~/\../U \,' ", l' n""ID~~IAL APP"'AISE'::;~ ,;:'''\ rr::-rn n if'':;::' 1:<<'>, ~ W"I A H.! ,r j:,:~." '~"_'.. I . , ", "i~)J! ( ) t \:Vl~>"'< Ccrd:fkldoa.o,lt 1-.-1 - ~ . ~~~~'.'l!:.\' JtJN 10 2991 MAY 13 1999 Jml30 2001' " .. ; ti .' ..... ~ '+/,!. t . /' ~ I' ,'. , " c.rutr_ N...bct RL-0015S~-lo :IL~~~ ~ &t4uLJ I c.uu__otProl 1.....ac.c...(IAllIlGolA~ F... . ' _T.. 10KN STllPlmlllllSldlNOEll. <IS BBRNHB1Sll~ BRa RD CAIUJSUI PA 17013 I , , ," ; ~ 1. , .' , . I' I '"..~r ,I,' , l,.... ,,'t ~'''A' !! it- : },I h . . , 1'_,.1', , "'- 415 Bemheisel Bridge Rd, Carlisle PA 17013-9025 717.691.5598 lRPLAN ,wer: REGINA MAGEL rrooenv Address: 121 W. Winding Hili Rd City: Mechanicsbura lender: WFHMI CP REALTOR-COO File No.: 00855442 Case No.: Slale: PA ZiD: 17055 23' Bath Bedroom 30' Sta cs Bedroo. BedroOll 28' 01 ni ng RODID Xl tchen 2S' 14' Family Room U vi ng Roon Pdr 51' ...nca CALCOLA.'l'IOHB I I l I AI Al : 28.0:11: 10.0. 280.0 I A2: 30.0 x Z.O. 60.0 A3 : 51.0:11: 14.0 . 714.0 .. Attached Garage 0.0 FI l"st Floar 1054.0 [J "6 : 23.0 x 30.0 - 690.0 Second FJ oar 690.0 To~&l L1.iDg A~.. 17"'.0 C:J A7 : %3.0" 10.0- 230.0 A8 : 21. 0 X 2,0 . 42.0 Attached Garage 272.0 415 Bemheisel Bridge Rd. Carlisle PA 17013~9025 717.691.5598 PA REV-1500 SCHEDULE B STOCKS and BONDS ESTATE OF REGINA M. MAGEL FILE NUMBER 21-2002-0983 PA REV-1500 Schedule B On October 21,2001, Frank M. Magel passed away and was survived by his wife, Regina M. Magel. Mr. Magel left a Last Will and Testament dated April 27, 1999, that established the Frank M. Magel By-Pass Trust. Frank A. Magel (decedent's son) is the Trustee of the By-Pass Trust and ReginaM. Magel is the Beneficiary of the By-Pass Trust. On January 20, 2003, the Pennsylvania Inheritance Tax Return was filed for the Estate of Frank M. Magel at File No. 21-02-0216. At that time, the estate elected to pay the inheritance tax by completing Schedule 0 and paying the tax. On March 24, 2003, the Department of Revenue issued a Notice of Appraisement accepting the assets and calculations as reported on the inheritance tax return. At her date of death on September 27, 2002, Regina M. Magel had a 43.67% interest which is her marital portion of the assets of the Estate of Frank M. Magel. The remaining 56.33% is held by the By-Pass Trust. Following is a summary ofthe total assets held in the Prudential Financial account at the time of Regina M. Magel's passing. The 43.67% taxable portion is reflected on the same. See attached statement of Prudential Financial account. EST ATE OF REGINA M. MAGEL PRUDENTIAL FINANCIAL ACCT. NO. 044-324784-33 #OF PRICE PER TOTAL TAXABLE ASSET SHARES SHARE VALUE VALUE AOL Time Warner, Inc. 31,323 $ 12.21 $ 382,453.83 $ 167,017.59 BSCH Finance L TD, Pfd., 7.79% non-cumulative 1,000 $ 24.85 S 24,850.00 $ 10,852.00 Citigroup Capital IV, Pfd.. 6,85%. dtd. 1/22/1998, callable 1/22/2003 1. 000 $ 24.91 $ 24,910.00 $ 10,878.20 MBNA Capital, Pfd., corp. backed trust certif., dtd. 02/02/200 I, callable 02/02/2006 1,000 $ 25.12 $ 25,120.00 $ 10,969.90 Host Marriott Corp., Pfd., Class C, 10.00%, cumulative I.200 $ 25.17 $ 30,204.00 $ 13.190.09 Lehman Brothers Holdings Capital Trust II, Pfd., Series J, 7.875%, dtd. 04/20/1999, callable 06/30/2004 1.000 $ 25.70 $ 25,700.00 $ 11,223.19 Mellon Financial Corp. 135 $ 26.33 $ 3,554.55 $ 1,552.27 Ohio Power Co., Pfd., Series A, 7.37%, dtd. 04/29/1998, callable 04/29/2003 1.000 $ 25.20 $ 25,200.00 $ 11.004.84 PNC Mortgage Securities, 7.25%, dtd. 08/01/1999, expo 10/25/2029 200,000 $ 1.01 $ 202,938.00 $ 88,623.03 Prudential Money Market Assets Fund 70,832 $ 1.00 S 70,832.00 S 30,932.33 . TOTAL -- - $ 8 I 5,762.38 $ 356,243.44 Historical Prices Page I of I YllHoolFINANCE J.ff'l Search -Finance Home - Yahoo! - Help Historical Prices - MEL (MELLON FINL CORP) As of Sep-27 -02 More Info: Quote I Chart I News I Profile I Research I SfOC I Mess!!9!ts I Insider (0 Daily Start: ISep .:JJ2712002 r Weekly End: !Sep .1~12002 r Monthly I. _I I r Dividends Ticker Symbol: IMEL Get Datal NtTtllK Date Open High Low Close Volume Adj. Close* Sep-27-02 26.82 26.98 25.68 25.70 1,802,300 25.30 Rent D~ Onlir Download Spreadsheet Format * adjusted for dividends and splits please see F AQ. A ub ;.-c---- 77 )./J.J0 Over 15,000 Titll Keep up to 3 DVDs a1 Free Shipping Both' Iry Netflix for F I Questions or Comments? Copyright@2OO3Yahoo! Inc. All rights reserved.Prlvacy Policy ~Term$ of Service Historical chart data and daily updates provided byC9.mJrLQCliw_~tem_$. Inc. LCSl1 Data and information is provided for informational purposes only, and is notintended for trading purposes. Neither Yahoo nor any of its data or content providers (suchas CSI) shall be liable for any errors or delays in the content. or for any actions taken in reliance thereon. hltp://chart.yahoo.com/d?a=8&b=27 &c=2002&d=8&e=27 &f=2002&g=d&s=MEL 6/25/2003 Historical Prices Page I of I YAHOO' FINANCE dv'1 . Search -Finance Home - Yahoo! - Help Historical Prices - AOL (AOL TIME WARNER) As of Sep-27-02 More Info: Quote I Chart I News I Profile I Research I SEC I Messages I Insider \0 Daily Start: I Sep ..:Jf2712002 r Weekly End ISep ..:J127!2002 r Monthly r Dividends Ticker Symbol: laol Get Data I ;j;',::;"~'., '- ":;.0" 0 NIT F L1:Xi~ :r~:' 'c" - :' " , L~~ . . . Date Open High Low Close Volume Adj. Close* Sep-27-02 11.73 12.70 11.71 12.12 15,576,900 12.12 DVD ren delivere your de Download Spreadsheet Format * adjusted for dividends and splits please see F AQ. ~U6 - I~ll Over 15,000 Tit Keep up to 3 DVDs < Free Shipping Both Try Netflix for F Questions or Comments? Copyright@2003Yahoollnc. All rights reserved.prlvacy Poiicy -Terms of Service Historical chart data and daily updates provided byCommodily Systems. Inc. (CSI). Data and information is provided for informational purposes only, and is notintended for trading purposes. 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A W 0 b cro mOO '" ,,, '" 0 b en c: " n == c SO ~ ~ ;u 0 ~ c w w en "'" 2 w '" ,~ cro mm -. rz <A en en ':! ~ '" ,0 '" ,0 O~ c: ~, en 0' 0' C1 - W b ~ m ~ n ~, ~ '" 0 0 ~, '" 0 A " SO '" 0 en m ~ s: ~ " D 0 '" W 0 m ~ -< ro z <0 ~ ro 0: '" ~ " s: ~ 0 A ~ "7 en ':! en n en en " OJ A W h OJ co 0 " g '" ~ U' 0 en IF 0 0 D co ~, 0 0 0 , .'_=';"u-ij.;...)-O~U'~ I I I I Client Statement Prudential ~ Financial Irities Account * -, ft_ ~ _ III,. II . --'1.. tl,~~~_~I,lIl!/II\lJ'l'"~~lIil~~l~~~" ~ W l~l"il~ eptember 30, 2002 MR FRANK M MAGEL DECO Account Number: 044-324784.33 Page 3 , DATE TRANSACTION QUANTITY PRICElCOMMENTS AMOUNT DEBITED AI , BSCH FIN 7.79% PRH ........"" "", ............................ ~ 1,000 SHARES OF 'TR PR 01 6.8501/22/2038 "q..................... N 1.000 SHARI;S OF : /I P 03 7.87 06130/2048 ...................... N 1,000 SHARES OF ;0 PRA 03 7.37 0613012038 09130 Dividend ............. 09130 Received Income ........................... ........................... Interest 09130 Received Interest 09130 Received Interest "','.'.:::";::"",'\'iV:'." ':i':', ',:'.:,',.-.. ""..:'..'..",-;(::: ,''-':; ./j,::*':'~+::'('d':::":>:Ufif.';';!~/':t:h'!0~jj1i<~.})Ytit: ""."<(i<~JF/:,<t\.>J::..',,: Iri.o;....;..iori~,0.'[. [.11J:I:,"'iI1JI~.. "'''$cJilAllil !:v$~,:d';;k..,2i';""~;%''?'~li, ,i I 1,I_.ltJG" _ _ _ _"'~ $;""!"<<,'B'd"t",,:;m;__~~fD9j!)f#\fL'?,kHJ:!'tMW,M,,__,_h,,,,,,}'','" ,tial Securities' Prudential Advisor Wrap Fee Sponsor Brochure andlor ADV Part 1\ is available without charge upon request to Prudential Securities. Pleas. r in order to ,.c..v. . copy. S TIME TO PREPARE FOR THE UPCOMING TAX SEASON. CALL FOR A FREE COpy OF THE 2002-2003 TAX PLANNING GUIDE. SINCE PRUDENTIAL CURITIES is NOT A TAX ADViSOR, YOU SHOULD CONSULT WITH YOUR TAX ADVISOR BEFORE MAKING ANY lAX-RELATED DECISIONS. ---\< Ul C:::;:'::::'=(Q::)"O (/l ;:;';:;::'V (J}=::s:tii([l on n < U'l ~.~ n....c: CcrJ>a;lW OJ ~5"<(')? 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'" '" SJ co' == ... en ... Cl ... Cl) == - Cl) == ... - '" ~ C Q. e == - -. l:.: - -;,:BAD-(l.l.;-OOO:;S3 IIII ~~ ,:.....\ ~v/ ~ -. == l:.: == n -. ~ - " w '" '" ~ 9, ~ PA REV-1500 SCHEDULE E CASH, BANK DEPOSITS & , MISCELLANEOUS PERSONAL PROPERTY 05 -0 0 ~ M 0 0 "0 ~V " '1< p~ " ,,", .:;:: 0;0; 0;' ~ ~ :: ,,0 g ro :; 0 '" 0 e c0 , " '" 0 ~ 0 C N 0 OJ :;: ~ . '" .. . , ~~ Ow 0 c0 " '" . 0 '" ~ " ~ " CO '" ~ 'Ii '5 ..; " ~ '" ..; C 0 " " g- t' " w c0 '0 "' ro c0 . . . . . ~ Cl ~ " " . '" " '" '" 0 C> c ~ 05 ~ -0' 0 ~ K , 0 0 0 0 OJ n ~ 0 n " 0 0- cO 0 '" " "' 0 " " " ro .0 " ro . ;c ):> 3 0 c " N 3- " ., ,0 c ~ ro " o -J I'V o <.0 -J o -J NDV-1B-2DD2 11:11AM FRDM- T-777 P.D03/003 F-051 I3RENNE~ Chrysler · Jeep 6039 Carlisle Pike' Mechanicsburg, PA 17050 Phone (717) 766-7686' Fax (717) 766-7151 Visit us on the web at www.brennerchryslerjeep.com Email: brennercj@earthlink.net Friday, November 15,2002 Brenner Chrysler Jeep values the 2001 Jeep Grand Cherokee Limited vin #1J4GW58N21C595888 with 4670 miles on 11-15-02 at $20,850.00, based on the average book value of the Black Book Nov. 1 sr edition. .....".'."--.'.r -----..-- en c.o -.I en c.o ~ 00 en NOV-1B-1001 11:11AM FROM- T-iii P.OD1/DD3 F-051 CUSTOMER ORDER. SUBJECT TO APPROVAL BY MANAGER S5RI~L NO. L. 8. ..sMITH LINCOLN MERCURY, INC. 6391 Carlisle Pike Mechanlcsburg, PA 17050 . (717) 697-2273 1-800.946-14~~ CUSTOMER ADDRESS eus> CUST.# /90 'P.L ZIP CODE ENTER MY ORDER 1=01=1 cm.OR YR. MA.KG. MODEL TYPE INTERIOR COleF! tGMlilON KEY SPARE <EY STOCK NO. 1~~',:',:'4""~' "I,'," l,j,1 ;' ,1_ J ,<, I ~r):'\;"1 " ',1 .,1 ,I :. i'!i1i;J,::,\, I, I BASEP.RICEOFVEHICc'E $ yes NO e,,"ENCEO seRVICE PlAN x r;o.cU5TOMER we NO GOCO TILL AGENT IiEFlI!"'EDBT TOTAL ACCESSORIES TRANSPORTATION TOTAL ~~~E(PT Rebate o ADV DISCOUNT o AlJTH 0 DEMO TRADE ALLOWANCE Sub~Totar PA Sales Tax PA TIre Tax Total Documentary Fees FED. LUXURY TAX Balance Owing .:3 9tJ@, Of) I I ^O~T ,"OM; D!:D. ADl>fiI::SS cu:;:1OM!:!~ lie. NO. TRAOE LI'E.NhOI.OER E C'T'IWPATG LICENSE S ENCUMBRANCE FEE $ TITLE S INSTAL[MENTS OF S THE MONTH BEGINNING IN EACH ON THE 20 TO BE REPAID TO MONTHLY DAY OF TEMP. TAGS $ TOTAL $ $ $ ';~fi~~J~I~:~L),.,::f1'lklll;'". ENC'UMBRANCEifNF,ORMATIONlr;'" r//J'I, III' ,I ENCUMSl;At.;C= To AOOflES? CHARGES BEGIN ON , Tl,e. fACTORY WA,FlMNiV CONSTITlITES "All Of THE WARAANTIES Wr'rH RESpeCT 10 THE SAI.E OF THIS ITEM/ITEMS. THE SELLER HElieSy eXPRESSLY DISCLAIMS All. W.\RIlIANTrES. EITHER EXPAESS OR JMPL.IE'C1, INCLUDING ANY IMPLIED wAF=lAANrf OF MEROHANTA8u_ITY OF! 1=ITNESS FOR A PARTIClIl,.,R PURPOSE, ANa TNE SELLER NEITHEFI ASSuMES NOR AuTHOF!lzes ANY OTH~ PEFlSON TO ASSUME FOR If ANY LIABILITY IN CONNECTION WITH THE SALE OF thiS ITEM'ITEM$. AS IS AGREEMENT THE MOTOR VEHICLE IS SOLD -AS IS" WITHOUT ANY WARRANTY EITHER EXPRESS OR IMPLIED. THE PURCHASER WILL 6 THE ENTIRE EXPENSE OF REPAIRING OR CORREC G ANY FEC TH i>RESENTLY EXIST OR THAT MAY bCCUR IN TH~ H CLE. ANNUAL PERCENTAGE RATE o. '0 CUSTOME~ $IGNA'tUf!i!O X ClJstomer agrees tnat \l1ls order includes all of the terms ana conditions on both the face and reverse side hereof, tnat !nls order cancels and supersedes any prior agreement anD as of the date hereof comprises the complete and e;{~'uaiva statement of the terms of agreement relating to tne sUbJElct matters covered,herebY. ThIs om!;!r ~MII not become ~Jo.g I until acceotFlfj be thA neeler or his authQri7F!d rp-ornsentative You the customer mf'lv r:.I3ncp-1 'illS contract and r'FI~F!iv@ s full refund anI! time I before recelor of a COO\l of this eontr.:!.ct stoo~ b'll :<!t"I aulhor\2ed dealer \ reoreSentallvA" "1/ [Jivine wrln~n notfc9 of r-..anc@Uatlon 10 the dealer Customer by t1ls exeeutlon of this orner 2Cknowleoges That he has read Its terms a~d conditfons and has received a true copy of tnls ord.er. SAuaSMAN IAt>~ROVSD lev , L. B. SMITH LINCOLN MERCURY, INC. ~IS OFlCEIi is NOT \fA~rD UNLESS b,GNEO AS ACCEPTIO.D ..'R€: CUSTOMER SIGNS X PA REV-1500 SCHEDULE F JOINTLY OWNED PROPERTY ~OMMD~wEAlTH OF PENNSYLVANIA D:::-OA..l;JTMFNT OF REVENUE BUREAU OF INDIVIDUAL TAXES DEPT. 280601 HARRISBURG, PA 17128-0601 *' INFORMATION 'TICE AND TAXPAYER RESPONSE FILE ACN DATE NO.21 02-0983 03113781 03-28-2003 REV-15UEX AFP (09-0Dl llv~,-=,.,'~I V EST. OF REGINA M MAGEL 5.5. NO. 119-20-3313 DATE OF DEATH 09-27-2002 COUNTY CUMBERLAND TYPE OF ACCOUNT o SAvn'I~S IX] CHEC.,:,. o TRUS T o CERr:.o FRANK A MAGEL III W WINDING HILL RD MECHANICS BURG PA l7055-eI75 , 'OJ 'II'. J'. li , ~~ REMIT PAVMENT AND FORMS TO, REGISTER OF WILLS CUMBERLAND CO COURT HOUSE CARLISLE, PA 17013 ''1 CITIZENS BANK OF PA has provided the Department with the information listed below which has been used in calculating the potential tax due. Their records indicate that at the death of the above decedent, you were a joint owner/beneficiary of this account. If YOU feel this information is Incorrect, please obtain wrItten correction from the financial institution, attach a copy to this form and return It to the above address. This account Is taxable in accordance with the Inheritance Tax laws of the COllllllonlOealtl": of Penns~lvania. Questions may be answered hy c~l]ing (717) 787-8327. COMPLETE PART 1 BELOW Account No. 6100704521 lIE lIE lIE SEE Date Established REVERSE SIDE FOR 01-05-1988 FILING AND PAYMENT INSTRUCTIONS Account Balance Percent Taxable Amount Subject to Tax Tax Rate Potential Tax Due x 6,008.65 50.000 3,004.33 .15 450.65 TAXPAYER RESPONSE To insure proper credit to your account, two (2) copies of this notice must accompany your payment to the Register of Wills. Make check payable to: "Register of Wills, Agent". x NOTE: If tax payments are made within three (3) months of the decedent's date of death, YOU may deduct a S% discount of the tax dUe. Any inheritance tax due will become delinquent nine (9) months after the date of death. PART IT] A. [ CHECK ] ONE BLOCK B. ONLY O The above information and tax due is correct. 1. You may choose to remit payment to the Register of Wills with two copies of this notice to obtain a discount or avoid interest, or yoU may check box "A" and return this notice to the Register of Wills and an official assessment will be issued by the PA Department of Revenue. 'f;/, The above asset has been or will be reported and tax paid with the Pennsylvania Inheritance Tax return ~to be filed by the decedent's representative. C. 0 The above information is incorrect and/or debts and deductions were paid by you. You must complete PART 0 and/or PART [!] below. If you indicate a different tax rate} please state your relationship to decedent: PART ~ TAX LINE PART ~ DATE PAID DEBTS AND DEDUCTIONS CLAIMED RETURN - COMPUTATION OF TAX ON JOINT/TRUST ACCOUNTS 1. Date Established 1 2. Account Balance 2 ~. Percent Taxable 5 X 4. Amount Subject to Tax 4 5. Debts and Deductions 5 6. Amount Taxable 6 7. Tax Rate 7 X 8. Tax Due 8 PAYEE DESCRIPTION AMOUNT PAID I $ I TOTAL (Enter on Line 5 of Tax Computation) Under penalties of perjury, I declare that the facts I have reported above are true} correct and complete to the best of my knowle~ge. and belief. HOME ( ) ---- ~;.:::; -::3' WORK (717 ) 731-9600 6/10/03 TAXPAYER SIGJ>lA URE TFI FPHnNF NIlMRFR nATF \OMM~~WEAlTH OF PEHHS~LVANIA r~I~~lMEN~ OF REVENUE BUREAU OF INDIVIDUAL TAXES DEPT. 2.80&01 HARRISBURG. PA 17128-0&01 *' INFORMATION ~TrCE AND TAXPAYER RESPONSE FILE NO. 21 02-0983 ACN 03113780 DATE 03-28-2003 REV-ISO EX AFP ent-an '03 JUN 11 TYPE OF ACCOUNT TiT. OF REGINA M MAGEL 0 SAVINGS ,,,!r.S. NO. 119-20-3313 IXJ CHECKING '''DATE OF DEATH 09-27-2002 0 TRUST COUNTY CUMBERLAND 0 CERTIF. P12 :24 RE"IT PAY"ENT AND FORKS TO: REGISTER OF WILLS CUM.ERLAND CO COURT HOUSE CARLISLE, PA 17013 ~". t~;.}~--, FRANK A MAGEL III W WINDING HILL RD MECHANICSBURG PA 17055-%!k. ClImb"',,;i , PA CITIZENS BANK OF PA has provided the Departllent ..ith the inforlllltlon Ustad bIIION which hils bun used in calculating the potential tax due. Their records Indicate that lit the dellth of the llbove d8C~, YOU ..ere 8 joint oNnllr/beneficiary of this aCGount. If you feel this information is incorrect, ple8se obtain wrltt8n correction fr~ ~ flnancl111 institution, attach a copy to this form and return it to the above addrBss. This account is taKable in .ccordllnc. with th. Inheritance T.x LIIWS of the Commonwealth of Pennsylvania. QUBstions .ay be answered by calling (717) 787-8327. COMPLETE PART 1 BELOW . . . SEE REVERSE SIDE FOR FILING AND PAYMENT INSTRUCTIONS AGGount No. 6100905209 Date 05-12-1995 Established Account Balance 33 J 326.00 Percent Taxable X 50.000 Amount SubjeGt to Tax 16,663.00 Tax Rate X .15 Potential Tax Due 2,499.45 PART TAXPAYER RESPONSE ill !,!!,!~~'~~~.~~'!!j~~!,!j!~~~~~~~I,!!!~l~~~!,!j!I_;~'j,.il;,:'!l; ',1"1:"';]~;":' To Insunl praper cnldlt to your account, two (2) copl. of this notlc. ...st .cco.pllny your PIlYIIllOt ... thl Register of Wills. Meke chack pII)'able ta-: "Rqlster of lUlls, Agent". tllTEt If tax pllYIlllnts lire .lIde within three (3) ~nths of the d.Clld8nt"s date of death, you ny. ..x.ct . 5% discount of the ux due. Any Inheritance tax due ..ill becoGe delinquent nl". (9l ....ths aftel'" the date of dnth. [CHECK ] ONE BLOCK ONLY A. [] The above information and tax due is COrrect. 1. You Bay chOose to !"..it paYllant to the Register of lUlls ..ith tMD copias of this notice to obtain a discount or .void intarest, or YOU .ay check box "A" and ...t>>m this notice to the Reghter of Wills and an official assessment will b. issued by the PA o.p.rtaent of Revenue. B. ~The above asset has been or will be reported end tIIx paid Nith the PennsylvanIa Inheritance Tax return ~ to be filed by the decedent"s representative. C. [] Ths above infor.ation is incorrect andlor debts and deductions ...... Pllld by YOU. You must complete PAR'T [!] and/or PART ~ below. PART ~ TAX RETURN - COMPUTATION LINE 1. Date Established 2. Account Balance 3. Percent Taxable 4. Amount Subject to Tax 5. Debts and Deductions 6. Amount Taxable 7. Tax Rate 8. Tax Due TAX OM JOINT'TRUST ACCOUNTS If you indicate a different tax rateJ please stat. your relationship to decedent: OF 1 Z . 4 5 6 7 8 x x PART I!] DATE PAID DEBTS AND DEDUCTIONS CLAIMED PAYEE DESCRIPTION AMOUNT PAID I TOTAL (Enter on Line S of Tax c~ut.tian) I . Under penal~ies of perjury, I declare that the complete to the best of mY.~Jsdge and beli_f. -~-y ?(?:--=-:7';:,..:" --. TAXPAYER SIGNA-iURE.--LI-~lg ft. naLch~ .r.sq. facts I have reported above ere true, correct and HOME ( ) WORK (~ 7 ) ~1~-9600 TElEPHO E NUM 6/1~OJ DA E PA REV-1500 SCHEDULE G INTER-VIVOS TRANSFERS and MISCELLANEOUS NON-PROBATE PROPERTY 02/03/2003 07:38PM PAGE 2 OF 2 X Hartford Life February 3, 2003 Traci Sepkovic Fax: 717-731-9627 .. ,.. ." .. .." .. .. -........ REFERENCE: Hartford Annuity Account # 710769j57 . Decedent: Regina Magel Contract Number: Owner: Decedelll: OWller's SSN: Date of Death: Date of Death Value: Tax Cost Basis: 710769357 Regina Magel Regina Magel 119-20-3313 September 27, 2002 $130,482.12 Dear Ms. Sepkovic: Thank you for your correspondence regarding the above annuity. The death benefit payable under this contract is not considered "life on IRS Form 712, (life insurance statement). Please find the below response to your request. . ---"'.'- '-_.-"'-- ," ...-,........ -,.."_.-" ,--..,.,.. ....::-:-::.;::::;.:-:<<:;.:::>::;:::-::::;':::'<::>::-;" If you have any other questions or concerns, please feel freet9p:)ll'ia~tyo~;'#iYe~n( professional, or one of our annuity specialists by sa~~t;8(jg~~62-66(jg,M:tilId~~ .......... ......... .. through Thursday from 8 a.m. to 7 p.m.,fri9a}t#piri~a;w'W9p,rn.,jil1,4Q*:S<@.@1.)' from 9 a.m. to 2 p.m. Eastern time. WewjU.b~hallPy:tC)~~jJ;t!,01i.T1i~#:Y(l1ltC)tt1le>. opportunity to help provide for youtfinanciajn~eds. Sincerely, Q. Johnson Investment Product SeIvices Contract Management Hartford Life Insurance Company . ,"-,"', ........... ,.--.,.... ","".---"- -'-.-..---. .. ...-.. -. ..--_.... .. .. ...... .. ..... '," .......-'. ....--.-- ....'.'...... ... ....... ....,. ,...,.", .. .. ..... .-" """"," ..',""",' ,..,.,'....... .--..' ..... ........ ." ........ ... ,... "....... . --..... . .......... . ....... ..... ....-.... ....... ..,...." ."--'''' '-" ....--... ............- ,,-.. . -- ......... .. ...." ......... ."...".. "."... .... ....... ........ .. ..... ..... .' ..... .... ...... ,.-.. .. ........ ......."."......... . ,.""'" ....... '.'" .. ...... .....--.. . "."'" .:.H~rorirt~~li1~~:riil1~e CompaDies .:iotLHoP'ii~:.StteV'C Ilimibutr, CT 06ll8~ .. ~<iIl11're<.J800~~H<i68 IQv~~1.1rod.~~(~ervi~es Ma~g:~~cTr-erii~::r:.<>. ,8o:~'~085 Hartfot.d:f~r:o.i~()~:.s:OfJ$:::: OD1ine.bliir1:rotdHf~toti1.. PA REV-1500 SCHEDULE H FUNERAL EXPENSES and ADMINISTRATIVE COSTS :!:~....," ..,;""" Malpezzi FUNERAL HOME 8 .\larker Pla:,a Way. Jlechanicsburg, PA 17055 Phol/e: (717) 697-4696 Michael J. Malpe:zi, Owner Jeremy J. Shartzer, Funeral Director November 20,2002 Frank A, 'vlage! III West Winding Hill Road Mechanicsburg. PA 17055 The Funeral Service for Regina M, Magel We sincerely appreciate the confidence you have placed in us and will continue to assist you in every way we can. feel free to contact us if you have any questions in regard to this statement. THE FOLLOWING IS AN ITEMIZED STATEMENT OF THE SERVICES. FACILITIES. AUTOMOTIVE EQUIPMENT. MiD \IERCHANDISE THAT YOU SELECTED WHEN MAKING THE FUNERAL ARRANGEMENTS. \. PROFESSIONAL SERVICES Sef\"lCes of Funeral Director/Staff 3.\VTOMOTIVE EQUIP~1ENT Llmousme Ft::'iEIUL HO'VIE SERVICE CHARGES SELECTED MERCHANDISE: SwmJess Steel Protective Casket BUrial Vault RegIster. Memorial Cards. Ackn. TIlE COST OF OUR SERVICES, EQUIPMENT, AND MERCHANDISE THAT YOU HAVE SELECTED A T THE TI\lE FUNERAL ARRANGEMENTS WERE MADE. WE ADVANCED CERTAIN PA YMENTS TO OTHERS AS AN ACCOMMODA TION. THE FOLLOWING IS AN ACCOUNTING FOR THOSE CHARGES. CASII ADV ANCES Opening Grave CeTTlet~ry Equir>ment Ne\vspaper Notices. Patriot N\?\Vspaper Notices. Binghamton Newspaper Notices - NY Daily News Clergy/Mass Offering Ccrtltled CopIes of the Death Certificate TOTAL CASH ADV ANCES AND SPECIAL CHARGES SUB-TOTAL INITIAL PA YMENT I DISCOUNT I CREDITS TOTAL AMOUNT DUE Please $3260.00 $235.00 $3~95.00 $2955.00 $955.00 $45.00 $7~50.00 $475.00 $95,00 $432.00 $130.00 $288.80 $100.00 $60.00 $1580.80 $9030.80 $9030.80 \ ~1! It I l.O iI' ..- "' .;::, ;\ tJ:J \0 c c9 10 '-' I{j if; ;; l:;:-. :::: 0 c:< '<Ft ,"' --... ~. \0 '--"-'! 0 ,,\ \..." ~b ~o "\~ 0 'i 0 v\ 0 ~~ '1; . \ tr. ~ t ~ g ~ c:< ~ --...;,; U' $:\"- ~t:O ~> ~ 0 '" ~ \..l '" ty i \ . ~ n.J U' <::r-J ~ o t'- o o ..- <.ll .. - 0 U' ..- <.ll c- o <.ll r1'1 \> 0 ., ,~ ..: t f>o< , , 0 0 . , lil ~ '7 ,.. ~ ,..'" \l$ .,.. .... g- \11::\..).... t.:J_.,.l.Q. cf.Cl~d :0 cf. '" a: :.: ..;:O~oib ~ ",,' <1l .... 4.cf.~O c:Q %l:t~%. 6a3~ ~ .~ uJcr:.-1lJ - W "u.~:Z .;<~ ~ 1&~'O ; B 1 .s ~ \:' ....... . toiJ)\'-" \ 6I REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717-766-8982 MECHANICSBURG. PA 17055 Paytothe Q1 >kP. ~ fit ~ rr~;;;:~~ ~-:'Y .: Cmzs BANK .... .' .' Pennsylvania j For~!' ft::peJ ,:o:l 1;0 7b lo SO': I; .00701. 5 2 loU" 796 Date~ 3-76151$0 292 I $ ;:;1.S' 00 Dollars to === ~ ~ ifA1l-Ji 4- ... 071:j1; ,"00000 500," CF3<H'<~__ ~So\FE1YGf1ElN1'IGtI ~ ?J .~ \ .~.z; .) .lo""" E 1$1\.... ' " t: ;:, .., 0)) U 0>- S I-< J" ~N~ p..O~ L , ~~ i,l ~g ~ j.I '0 ~ (j <8 \ M ~ y., e I '" 01, 'I) .... -0 c;:, p '--' '" r '<PI $ '" p \ '" " ~* " ," .... g- 1J,l.J..Jc! C)Uol-io... 4":f6 24"a: .2~i6 2./,0<1> 4~H ~Z'~ "43:0 uJo:.-UJ. a::.u.~:i ,~ 11'. '-, -:::, . ~ -... . m \, 0 ,,~ c CJ S ~\!1;; ~~\ \~'e ~ ..:s.,O ',',,'-- 0 ) . 0 ~ .~ 0 ~ "-. ~', \J1 ~O .o-al \~O ,,~\....." '. .::--" V . ~ n.J \J1 a-- .: ....:;, 0 ('- o o ... t.ll CO( \ -,.: o \J1 ... t.ll ('- o t.ll rl' o i ..... ._ ' l: ~ - i I . James Gingrich Memorials IJ~~,~ Date 10/22/2002 5243 SIMPSON FERRY ROAD MECHANICSBURG PA 17050 REGINA MAGEL 111 W. WINDING HILL ROAD MECHANICSBURG PA. 17055 Item Description Memorial for: MAGEL Qty. Price Each 5,184.80 Total 5,184.80 ,-- '-- - TOTAL 5,184.80 \'0I111IlenlS. Memorial installed on: 10/22/2002 Please call us with any questions at (717) 766-5622 cut along dotted line Please Send Payment to: .PleaseseifiJTliiSJ:fiJ~~ded: . ........."..;",,,..::;".,..,;,.e..,"".,...,,,:;.;lk"".;.b'''itN. .. Family Name: MAGEL 27758 James Gingrich Memorials REGINA MAGEL 5243 SIMPSON FERRY ROAD MECHANICSBURG PA (717) 766-5622 17050 Balance Due 2,784.80 Amount Enclosed I ~ 17 Ii 1\ M "10 ~~ .- i\~~ ill\~ \11"; \:\13 iG !III~ ~ 11'<1'2 g ,\t~ ~ :\i':rZ ~ t~ lilt; ~ ::I~ ))/~ ItA !<f~~ \((~! ,\-\\ \1\\ Ir1! Ilii !II "J tll\ lilt ;\\i I\j!, ui l,.\"'J '1\\\ t:J ~ ;,!\:..:( D~ 1\1' :2: u a: <:( \\\~ ~ ~ j 0- 1\1\ ::::.tw5:t? ;'[11 ~ u:l t? a:: "Ii a::cZ::> 111111..<::(-0:l ~II\\ u. 2~~ Ihi ~ <( ~ Z "I r~ <::( I .::r:zs,x Ii t- <:( ...- h:1 I ill:fE ~~ \) " ;;< ~ ~"~ " ~ =f~ " ~ 2 z ~ ~ ~ <> ~ <> ~, :; \ '" get " . '~ iJ " " ~ . ~~ c:" ~~ ~~ 'Us, &S~ ~ ~ "_. \1 1\ IT o o o o IT r1'I U1 ~ U1 ru C'- o ctI C'- J 1I1 ctI ... tJl '.:' ctI ru o o o o ... ... '0 " .. .2 J i' r1'I o ... - ..9 ~J '"S(~'8: 'wr\\ "' Q:~J~ ~ $ ~~~'~~ l-+~~ ~ -""",~' t- - ,,' ~:n - _c J,~!!~ ",.4: .."T'~ ~ ~~';;' ~ ~" '''':j - "\: l~'> " C'- ;)Q~' , 0 \ ~ ....> :;;.z rC '_~ t'- ~'" J ~I ~ ~:, ~ \ is 'D CJ ... --' '" 0 ~ J C' ~,~r ~ ~ua:::..:( ..\~-~ 9,0; cQ ~ ~ ~ a.. . ,) ~ t - ru ~w- ~ ~~ 0 Z..JJ:Cl l,.o.4_ <t\.U~a:: -1J~ 0 w<(;;:~ 1! ~~ ((... ~~S::I: s"; tIJ~ -~ ... \ ill [~~ c.~ J\ ~ - ~ I\; II 4 o;sr~"""'" cE - Jj ... o .- " " 2 ~ w ci ~ U N ,... , g ~ ,... " ~ ~ ~ ~ ch Q:l :.c I}J ~ ~ ~ . ~ ,<;; ,r:., '-..><""-.:. . o ctI J ctI C'- ru ~' " -::t- 0<) t.~ i cG ;; V$. (() 'D o o o o ,., r ~ lD r~r'- -' IT r1'I U1 1-:<:::' :tl I:} , (() I' FRANK M MAGEL account number 6011002033006354 Let us send you an Additional Card. ii's FREEl It's easy to share the benefits of your Discover 4l> Card with someone close to you. Just call 1-800-DISCOVER (1-800-347-2683) to ask for Additional Cards. It won't cost you anything to add your spouse, kids or someone important to you to your Account, and all the purchases made by these users count toward your Cashback Bonus 4l> award". Get your FREE Additional Cards today! * Cashback Bonuse award is up to 1% based on annua.l level and type of purchases for Discover Platinum, Classic and Private Issue Cardmembers who participate in the Cashback Bonus Program and is redeemable in $20 increments only. Restrictions apply. see terms tor details. - = Transactions - Closing Dale: October 24, 2002 page 2 of 2 =-- - - = === =payments and Credits ~ = trans. dete Ocl3 Oct 3 Oct 7 Oct 7 c Oct 10 Restaurants I"" j , ,;!- Oct 4 1'011 . Services, ' : ,J' Oct t 2 lJ' ,,)}.\ - = - - ,.1 0 _,(r___, ct12 ,1- --Oct 16 post de.. Ocl6 SUPER SHOE STORES MECHANICSBURGPA $ -5.99 Oct 6 KMART 4275 MECHANICSBURGPA -29.97 Oct 9 ' SUPER SHOE STORES MECHANICSBURGPA -14.99 Oct 9 KMART 4275 MECHANICSBURGPA -16.99 Oct 13 KMART 4275 MECHANICSBURGPA -16.99 Oct 4 OLIVE GARDEN 147! HARRISBURG PA 513.36 Oct 12 AOL'ONLlNE SERVICE 100800-827.6364 VA 23.90 MA80671399411610 Oct 12 AOL'PREMIUM SERVICE 10888-265-9269 VA 4.95 MAB06?! 399411630 Oct 16 AOL'PLANNER RENEWAL 888-265.7467 VA 41.76 131423855 ~ Great Balance Transfer Ratesl Call 1-800-787-7339 to find out if a aalanes Transler rate is avaHable lor you. 'i ~ Visit Discovercard.com for details on how to enter our online Holiday Shopping Sweepstakes. tl o ..., For a list of our great Cashback Bonus(R) PartnsfS, login to the Account Center at Discovercard.com or call US at 1-877- YOUR-AWARD (1-877-968-7292). Nominal ANNUAL Transaction Average Daily ANNUAL Periodic Fee DaHy Penodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $0 0.05477% 19.99% F 19.99% $0 none Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0 previous billing period: 31 days Purchases $0 0.05477% 19.99% F 19.99% $0 none The rates that apply to your Ao:aun( are elthat' fixed (F) or they may vary (V) 81 noted above. Quesllon.? Call 1-800-DISCDVER (1-800-347.2683) or log on to Dllcaven:ard.""m. For TOO (Telecommunication Device tor the Deat) assistance, see r9VSIS8 side. Send blUing error notice 10: Discover PJalinum;P.O. Box lS192; Wilmington. DE 1985Q...5192. It pay. to DISCeVER' m~e 'atriot m~e iEueuiug News iuulray 'atriot-News wpr::~\iI-i[7~ l.j'! MAY 2 3 2003 ~I. \ "'\ ' , I \ 1 d[jL::~L':lU U L:l~1 ,_~.",(r, l~) ." ;:.- \ 1~ L.. ~_n~_.____~_~________R-- THE PATRIOT-NEWS CO. P. O. BOX 2265 HARRISBURG, PA. 17105 Date I~"';r ??, ?nn, Account Name Gates, Halbruner & Hate:-: Regina Magel Estate Thank you for your check, To insure proper credit to your account, we ask your cooperation on the items checked below, Your check is being returned for the following reasons: Underpayment Overpayment This ad was paid on 4/17/03 with your check #2034. vvx Duplicate Payment Thank you. Check not signed, please sign and return as soon as possible Need more information, please send copy of invoice or tell us the name of the person or company and the date that it was billed. Your check has been returned to us by your bank because of Please issue us a replace check. Check sent to us in error IJ: GATES, HALBRUNER & HATCH PC 1013 MUMMA ROAD, #100 ,. . LEMOYNE, PA 17043 (717) 731-9600 2260 PENNSYLVANIA STATE BANK 60-244-313 PAY TO THE O.RDER OF J 5/19/2003 The Patriot News Company hc;.;.Qountinq Dept. The Patriot Ne~..s C " ompany P.O. Box 60367 HarriSburg, PA 17106-0367 $ Two Hundred Two & 69/100 Dollars 202.69 rr DOLLARS ~ ] lI'0022bOll' ':0 3lo 30 21,1, 71~ ctAJ~L , ~. J " ~ o . m cMO //} I -r ~ ~ ~ ~ ~ .... ::> z '" w :; Q. 5 S 0 ~ @,tb "" ~." ~ ~6~ ~ '" 3: 0:: 0... ~ ::Eoo .ale . "- UlOO ::> " en :0:'" Cl ~ " z 0::\0 z w Z ~ 0..... ..J ;:; ..J ~ w 3:~ 0 '" u :5 en a: a: :5 0- .1' .... c: z ~ 3:- 5 0- W Cl '" <oj ::s Cl u z <oj ::;; :;: ~w z '" Z :;: C3 u a w 0 <oj ~ ~ ::> => I Cl w cc Ii 0- ::;; F w ;< Q. </) 00000 000000000 ~z ~ . 1/1 IL-l IL I !I! "I ~i ~ 111 1" il Pay wthe 1\:1 Order of t :,11, .; C~TlZ~~~ ~:'lK--/~_, ~ Pennsyivania tl I~I F - ~~C ,(''7: 0- /,', / ,i,"C i'! ';, .. "f" ~. or , '.;". .~;_(. M' ,~1 l:o:lb071;~5ol: I;w07oI.52~1I' 08:12 ,"0000022~~1;." ~tilC=l:;;:,,,,,"",,..,~~~"",,,,,,..,,...r~~"~,,,,m~':~:::~~~"l,,m-~~',;~~5"-';;:,f,;;~~~"'-',,=~,~;;;;C,,'''d:g?~-~-C;::;-.,~,~_~:_~ '~r'"".'" ,.lme"'~n GU~RDIA",;,SAFEY Cr~~'1 ....:,.. """Z\..3' ',:O"J "~~,,.,.,,_~:.-,,_;":'_;"i,~,::t--:< :"';';;;:"='.:"-"~;C ,v"",~'" m '-'--""~~'__ "'=., . REGINA M, MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717,.766-8982 MECHANICS BURG, PA 17055 '- ~'"_ f . - .i..., 'I Dollars m ""'"~:"'",f:,.):';;j::;:::;~;t;~~.tj;~~.:'\jjC;~ J-&~."'F';_',".."'':-= 832 Date--' I 3-7615/360 m "! $ ..--..- ~..'T_..,"'~~-y,~.:o_=,.::r~"~~": "~"""""'_"_"!1i!i."'P.i'T.:r."""","~"" 833 II REGINA M. MAGEL FRANK A. ~EL 111 W. WINDING HILL RD. 717-766-8982 MECHANICS BURG, PA 17055 ~~~~~~e II / " -, -t.- LI' l,:i {.:";. " ~- " i',-' ," ~J~ "-" ,:/.:. ' i, ( I, For ,f'-i.f"-( -.~7?c-J t .:031;071; ~5ol: I; ~OO?OI.5 2 ~II' Date 3-7615/360 292 ti ~ 1$ , f -"--'r - Dollars m o...'.,~ '; '.1 ,) r / /;''1<L M' ,"000000271.1.." ;" !" o8B ...- .. '"',,," .,~=..~ ""'~""..:; GUAI'1D1ANl!lSAF"T'lGF!I':"NWG" "-..:iIii1"r-'"""';"',=,,',,.........~_'''' OCJ",'~_'""" ~ REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717-766.8982 MECHANICSBURG, PA 17055 _ Pay to the P,f) yJ 1'1) --l-;: ( I)' / I) -;..;. Order of If f If'.- (PCVCAnC .. 't{,\J'-~ 'ti r1, , . 11.fL, ,-JL1';€~-/1jY1{_ [rI1~ dC' .: CITIZENS BANK Pennsylvania I For / q ,f L;{)- ?!fO (' .:0 :11;0 71; ~ 501: I; ~oo 701. 5 2 ~II' -"'., -~ "~--: 829 -- Date It: t. V 31e-.) 3-7615/360 292 $~')f3? Dollars A ~"'".'" l.!J M"",'''''. , "'._<>no><. ~ ,r)_/ c. cr,Udtl{l{~ 7!:Ci:5Pf M' 0829 ~OOOOOOa9:17~ f' ~ " j l:J""".~,"'"''~''''' GU"RDI"~SAFETYGRH_NWG" ,,-~=;=w. -" ",. .'~=~"''''1'.'''::r..'1~'5;-'''''-"..,!'''~~~=.::~''~~'~~~~.;J;.:.'.' 830 I ~' Date fit Cfr r}U} )y 'I L d,'ut.- f.LL 1/:;'1. ' 1/,(1 - ~&l REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717-766-8982 MECHANICS BURG, PA 17055 Paytothe i,[),.f B" . .. Order of U IJ f rf~ crt tfh l /' , ,ji.r;tY hUi~"W Vi., Strr;f it' ( .: CITIZENS BANK Pennsylvania 'I, ~I For,~CP,,7'- fJC[(J() ;~i 3~76t5f360 292 ~ $ :),:2(. / t- Dollars 6l ~ ;ii, /1/ if;t'c{ tli ~, tf r()~f'tvp ~i ~ r.~==*~~;!~I~:;'~~~D' ;'7-16&$82 ~! MECHANICS BURG, PA 17055 \1 [I: Pay to the I /('(/, - .n\. i"1 Order of . ..;;S; ~ l' I :1 ~: '~I~I~~~S ~A~K I~! Pennsytvdnia ,II ~ For (M)-'Ja'I2~..} ./,~ 1:0:1 1:.07 I:. /, 501: I:. /,00 701. 5 2 ~II' !~1- 820 ---- Date ),(11 ).. [~ 3~ 16\ S/360 292 I $ J 17'- .~ Dollars t'il =-= e-/ ) . / /l V"~ e :r~J~~tL:';~~OO?0~7;-" ~SN'E1YGREENWGN I.L I . REGINA M. MAGEL FRANK A. MAGEL I ..,ill". ~~~~:;:~~'~ Do~,", >>; 03 ~, 't~ ,;r14,t"!,nt /lfd,~ $0.:-"',,7 ;:::: !.' .: CITIZENS BANK ~ Pennsylvania ('// ~ For If,(/(O -7tO!b _HS::t~0'8~#A.,~0..~0."0.'~0-'0.- .B.t 0(7....,.'., ill 1:0:11:.07(;.501: 1;.00701,52.11' t:.. OO~Ot: ~,"'. - 824 3--76151360 292 ~ ~u",...Amt""", ~SAfETYIlREENWGN /If . REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717-766-8982 MECHANICS BURG, PA 17055 I ~~~:~1e Pf'.t t (.^Ph':M t [J~eJ<l(J ,-v' ( p./ ,J<,.ty JutIJ0ft{ Yu7C,'*u M X' 1l{'1/-J;~ .: CITIZENS BANK PennsylvanIa 0'/ i For'; CD<Jc-7R6OD -.s;j;~.JL.tL.2tJie#{'" ':0:1 (;0 7b .501: b .0070 I, 52 /'11' 08 230 ,"000002 as lo..' 823 Date);.11 ~ [;3 3-7615/360 _ _ 292 $ d.:J.0_ [r Dollars &1 =-= <rJC1<I"'._",,,,, GUAIlD~"SIoFETVGREENWGN .r rd i // , I I ,=""""""~-,"""",,o::.._~'~.:;;;:J;:-"~ 810 ,: ~ REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717-766-8982 MECHANICS BURG, PA 17055 \1 iD ' ? Vii -0 t', ~~~:~~e Pi {,'j\ t:XCd.riC (}Y.cU7fJ-1 (V :1:. 7. ,fi fzf.- Jc(jf,".~ fire, fJ l1Jl II"r' .: CITIZEl'tlS BANK i~1 Pennsylvania I~ I: For WrZ::O-l{sOI 0 ':0:1 I:,o?b 10 50': I:, 100070 I., 5 2 loll' '~~'~.~,''"~ 1( ~, Date itf' I) .J (D) , 3-7615/360 29Z $ ;) 4. t. t- ~: D. ....""",...' -, Dollars L!J r..=_ J //7 , ;/ .... U11 ,L I 0AI<A(.;!l LL-1Lf!;f0---.,... 08100 ,"00000(}'2 1.,1:, 1:",' ~I 'j, ", " , ~I ~: C:".~_~_T'<<P< GUARDIANII!lSAFETY GREEN WGN i ~ REGINA M. MAGEL FRANK A. MAGEL 111 w. WINDING HILL RD. 717-76&8982 MECHANICSBURG, PA 17055 Paytothe ff1 (p -Clt * ' Or"rof f" ~I Per (( (ft(~ fuv~rl r;, i (i1.zJ .: CITIZENS BANK Pennsylvania _ .n 811 ~: ~: Date )Jt, 7 ,)oc~ $ ).t>t.!fL' 3-7615/360 292 ;/ I )'h.tL-fu:.:J ;:/C ~!'O I I ~. ~, Dollars fD ~:.: ~: :<', , , ; ---- For .:) DO';> (y ',' ...- ':0 :11:,0 71:, 10 501: /2/ /J I ~; 7&" (i I' 0._ .(J;w.':!,"!Ll1~---1!JtCtj4-... ~i I:, 1000701., 521011' 0810 10 ""00000 201:,1.,0,," ~, ocr.u...._.... GUARDIAN<llI8AfETYGREENWGN , I , ~ REGINA M. MAGEL' FRANK A. MAGEL 111 W. WINDING HILL RD. 717-766-8962 MECHANICS BURG, PA 17055 Pay to the l~ ' ft', j""'V'1 ;>- , ~ ~- ve a.nA ..:;c;; f.. I IZ NS BANK Pennsylvania I. " For ':0 :11:,0 71:, 10 501: I:, 1000701., 521011' t:)C/Q'k~"I~"" .._ iiii'"._ - '-r~ 809 i~.1 II~I 3.76IS/36D :~[ lS2 '.~" " 'I 'I $ ~cXJ/ ':,1 II .., -Dollars 6'1 ==.-:- i~ rf/ CJ ,~ -jMktJ{lL_~l<<tJd_M.' I' .. o8o"l,"oOooopi5528," i: Date llJr 7,c;Jf'n . . I . PPL Electric Utilities Electric Service For: REGINA M MAGEL 121 W WINDING HILL RD MECllANICSBURG PA 17055 Questions about this bill? Pleose contact us by Dee 2 at 1-800-342-5775 or write to: Customer Sel"yicc 827 Housown Rd. Allentown, PA 18104-9392 www.pplweb.com .' , , ,II' P"p':'~rJi~: . " , . '. ~ Page 1 QIlj'IlUlA""""",NUIilbor' 19850-78010 -ea - Summary Page Balance as of No v 7.2002 $ 0.00 Chargl's: TotafPPL ELECIRIC UTILITIES Charges $ 24.66 Total Charges $ 24.66 t!?:!iy,f!~y$:mq~!)!~~M~.~~F~~;~..~1 Account Balance $ 24.66 Electric Use 111is graph shows your electric use over the last 13 months. Types of Meter Readings: Actual _ ESIimated I. .....1 Cuslomer D KWH - Average Per Doy Meter Reading Information 18 15 61274 61067 12 led -w'i , Average' Nov 2001 2002 9 Ternlierature 54F 47F KW Per Day 6 7 6 - Yearly Use: Total A vC"'d~e 3 Use Month v - Dec 2001 - Nov 2002 2847 237 0 I I NDJ FMAMJ JASON 2001 Months 2002 -----------------------.----------------------~--~-----------------.------------.--------------------.------------------.---------------------- Otber important information on back -+ L/ Summary Page Balance as of Nov 7,2002 Charg~es: TotafPPL ELECTRIC Ul1LI11ES Charges Total Charges PPL Electric Utilities ppf'. ~.." ..- ~ '-. ,', Electric Service For: FRANK MAGEL 111 WWlNDtNGlIlLLRD MEClIANtCSBURG PA 17055 Page t Your Bill Account NumDe.r 20050- 78000 Us wI enta 'n' or wrfb- $0.00 $ 206.40 $ 206.40 Account Balance ~aj'TWSi\J1J()lU:t NoLa~r thun Dee 6, S ~06...~.C' Questions about this bill? Please contact us bv Dee 6 at 1.800-342-5775 or write to: Customer Service 827 Hausman Rd. Allentown, PA 18104-9392 www.pplweb.com Electric Use 102 85 This grnph shows your electric use 68 over the last 13 months. 51 l/.pes of 1\ eler Readings: 34 Actual - 17 Estimated EJ 0 Customer EJ $ 2()6_~() KWH - Avernge Per Day Meter Reading Information - - - - - - - - - - - - - - NDJFMAMJJASON 2001 Months 2002 9-6-:: ~ Average.. Nov Temperature KWH Per Day Yearly Use: Dec 2000 - Nov 2001 Dec 2001 - Nov 2002 2001 54F 64 200.2 47F 95 Tota' Use .29:::~1 30733 AH'riJC Mouth] .....1."- ....::; ~ Otber important information on back -+ ----------------------------------------------------------------------------------~-------------------------------------.--------------------- II! 12/ ./ // ~ 828 3-7615/360 292 1$ JC/S DO Dollars tD ~ Pennsylvania i For Sb' / '{Cj7 1:03[:,0?b I. 501: OCl<trl<c_"'tM GlJAAD\AHeSAFETYGFlEENWGN . REGINAM.~!l1255825 20i 00 2255 234,4 ,";8,27 FRANKA. MAGEL \:='e>. 111 W. WINDING HILL RD. 717-766-8982 C r 0 ~ "'^J 3-7615/380 MECHANICSBURG, PA 17055 Date u:d:z L C7'W7 292 Pay to the ~&t Order of ~ I $ /dK.Oo fiN-hi /'It, A'1e.~.1~Ii~- -Dollars 6l =-"::" .: CITIZENS BANK Pennsylvania 0/. , For 351 q!;K '4~tJe-L 1:0 ~ I;o?b I. 501: I; 1.00701, 5 21.11" ' DB 27 "'00000<V2Boo,,, c"""""~ GUAfIO!AN8SAFnY GREEN WGN . REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717-7_ MECHANICS BURG, PA 17055 Pay to the frr,.:rL J'h,(j. I Order of f ~ I. ( <. -- I \ .J,&-. 71V)i12- /LV'lQ. /t"O . .: CITIZENS BANK Pennsylvania 831 Datekb )..&', V 'I, , 3-76151360 292 1$ :$..3D Dollars 6l ~ ~,,,M a. 91~l .. oB~I.'ooOOOO ~o, For I t!;f~,;p t,?CI~fi;r 'I .:0 ~1;07b I. 501: I; 1.00701, 521.11" c"""",,-.._ ~SAFeTYGAEENWGN ) II I j, I S! 821 REGINA M. MAGEL FRANK A. MAG~1. 111 w!JNIWDiI'>li:H.jm.L~t>7 711"766'8982--' MECHANICS BURG, PA 17055 '.~ 3-761<5/360 ~: ..."" ~', p 2 6a;;Ji,~'Z; ~'C 3 Pay to the Order of !)", \ .: CITIZENS BA Pennsylvania For 35fff? ':0:1 1;07 I; 10 501: CG<>,.~_"" $ J96-c'~ ;' ~ Dll A --I' oars l!.J ~=on~: 'I " f~ ~I ~i I: f ~: a/ /7. I (; 1000701, 5 2101l~---\J;:~i~~;~0-~~;~ G\.l"'I\OI"'~S""HTVGREHJWGN 822 '.~ 3-76"ll;~1 ,'~ $ 102. g,(JO .~ Dollars 61 E::'::::',~ ~ ,/7~ :~ b ~OO 701, 5 2 .II~-- _J~~tE?~,(to1o!a't,,:,: i ~. . _r_.~ '~ . ...,. _. .' -i:! GUIoROIANIlISAFnYGREENWG....- I S! REGINA M. MAGEL fr.~~~~I~~~O,5 71i:76s'as82~C MECHANICSBURG, PA 17055 Pay to the Order of ::-'ij--::,~:':Li"_'~: - J)at;- );)~ ~ t3? , C CITIZENS BANK Pennsylvania For 3~ f7~ I I:O:l{;On ~SOI: i~_ .Cl'!twk~_,_ , I~ \ ., I J . REGINA M. MAGEL _ _ FRANK A. MAGEL - . ;.;~C~~~~~~~~~70~~7,j~ 201Dld2l~g~ ,,~ 3-76151: Payrothe '\C ~ ",I}, Orderof~ ~ $ j;)X.OO Ptr{J A<trVt{(l"<<c~/'~ .I<-fIA+ C(~J (1m - -ilollars /?J ~ C CITIZENS BANK v (J Pennsylvania /V For <-'5(c;'Gf) 1:031;07bIo501: 1;1000701.521011" 813 O,"",'k~A_n<:"" ., GUARO 8IoFETY GREEN WGN . . REGINA M. MAGEL . FRANK A. MAGEL - 111W_WINDlNG\,!)\MII~3gl::J~82201 ..nn ""'"din ."""""-'''' 3-76151360 MECHANICS BURG, PA 17055 lJl1re~I;:+r~J"'- 2" Pay to the JL :.Jo">. . $ /L Or~erof 'V7"^~O, . .~ I j-r!J.OD h,(l AJlI1J !e(f ~ - f~If'L t1' 1/1p~ //",7 Dollars 1D ="::" .:: CITIZENS BA K . Pennsylvania V ifAILjJL /1 711urL I; 1000701. 521011" 08102 111~5~OIII 812 For s5(K'7? 1:031;071; 10 501: "CIo___ ~&AFeTYGREENWGN .', \ . \ :,i 'I ~ ,. ~,\J iffi;~~ ~: ;~I :!I !'[ / :/'i', !' .. "'~,,"'..m~~=. _~." ~~'=-lP'"",,,,;r.~"'=".1l....=~..!!liiiffi,,'=::'im-~--=. ~\ii~-"=.."~:,"....""~""",,,,~, ~ REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717-766-8982 MECHANICS BURG, PA 17055 Date fe; c) 1/) ((y' 799 " i: 3-7615/360 ~: 2S2 ~~~~~~e C '\i\OL.L i (:; tq& \' '-~ .~L~~~:~~fB~~~'0 ;/(, " Pennsylvania ; ~I , $ ~- I _~'.:J, C C ,: Ij 0. ,.--,...";, UJ ::~"'.. " CI 11 ~' " ~' ~ ~I j' . ---- Dollars For C i)r)} t 7<:;711tl ( l:o:lb07b~5ol: b~00701,52~1I' ,/'//1/ -r{ '. /1 /;; ,/) 72. /' '.J /U: i ifL. ., / /,j{:/{( M' 07'1'1."000000:1500." ",,,,-,,~.,---~. GUAAOIAmSAFETYGAEENWGN rrn-~ ~- ,-,-m"",,= ~ ~~~i''''"''~:';~ """"~~~ ;;zi;1~~~ -=~'lIo"T,"","","~_~or=--"''''''"~ J~,~~_. ~= ;~'I ~ REGINA M. MAGEL 802 , FRANK A. MAGEL ; I 111 W. WINDING HILL RD. 717-766-8982 ,I if . ). (_) 3-7615/360 ~ I, I MECHANICSBURG, PA 17055 Date J 1:\ ' - _"/"L- _ 292 ~ Pay to the t1' t-' .1 '--L '~, i; ! Order of ~d{t 'Yv/lttfl}(tJ J,-,( $ c--'~-"-I,S? 'g (L , 'I ., .?2.. u / I~ .:-1 ~;T;z~~1 :::'~K0 f(y - 3' at/I 1(' 11{' / !.i' ' - Dollars IIi ~"'~:'!! ;/ I,' Pennsylvania ,/"} {/' ,;/-1," /1; I For~v iilI' ; ~ I I '\j/~jcvLl cL- /1~);0CM' ';, il,2~~_~.~':~_"~::~.-:,:~_...:~:~,:~~~',:,="_~~~~:,~::l-~~,~c:~~~~_~~ GUARDIA'>I'lSAFET'fGAEENWGN ()('I~,..,q_'..a~ r Ci~=-"~-~----;;;:=i 111 W. WINDING HrtfRti~"'7t-i.7ss::a982 1. .:: ::'l-;C~,"~'-, ,~;_~J' / MECHANICS BURG. PA 17055 Date ,1)( i' it? :lit.'.j ,. 3-7615/360 ',: v' I Pay to the 1(' (j - /' 292 j ! Orderof--:d.11\ L()fQlj,: I ~;:' f,e,.,' }iJtc:.;- ~ $ /)J: IC II' ~~ CITIZENS BANK / /:- Dollars IIi ;:-:";:;:-',!, ...... ".....'..,.,,, cl;' I. :I Ii 1') Pennsylvania "'1 I~I ':) I( Cv' /} ; / /f ~"/.., (. /' :1 ~ ~~r "5' i '" fi .7"/.iL ;-it (f' 7/~t.(,' M' ~i !im,.,:2~~".~~~~~.:=,,:,:~",,~.7D:_~__2"1I'_ 0 BOlo ", 0 00 0 0 (1 BOO,,'!; '''_''''i..''''''''''..'m .- ',- "._~~.~-~'-"'""'"";;.1-~!'"'Vi!i,.A,~';,,-.;;;;;;:~':"~"'~-'.~:'~:;t!r=~I~~.;_"'~,..,""'"~F;i GUA~DtA;.~SAFETY~WG';;' ( t I r~b"~~~""<:~~-~r"-'F-i.3'f;,.",!"l:..~ il . REGIN~ M. MAGEL :, FRANK A. MAGEL ~ 111 W. WINDING Hili RD. 717-766-8982 ~I MECHANICS BURG, PA 17055 I~ I' r ~"I Pay 00 the Vc { It if 'f, Orper of c/, ; ~ Lf {r , I~ ' '''' ~'oL~ ," ~~ "I V ,-,1/ ~ -.k~ 'i' r~A/1~) /l'o I. ~ i,1 .: I IZE~S BANK / ~: 'Iii I ~'I (, -, V' ii,- ,r, "I, For iiJ!zv"Q dt If ,'VA>> f1 ,,' ~~.~,HIO 7 b ~ 501: 806 Date No J S" dL-v,) 3-7615/360 292 1$ -SO-CD -Dollars ~ e":: Pennsylvania ~. a I; .00701, 5 C ~1;;-,-~~J(.o~6~~ O:>C""'~"'rl<>'''~~ QWdlDUr,"S,.l.FETYGIlEENWGN , !, . REGINA M. MAGEL " , ,^~~." I FRANK A. MAGEL ' " ,~I~;"~ 111 W. WINDING HIu:..RO. ';"717,"~ 20 i OO/v'f; =;'9~~ ~4-7 i 3-7615/360 MECHANICSBURG, PA 17055 Date _ou ~'"fol.J,.'IJ.). 292 ':1 PayOOthe ;] () L;;,~ J ()...L , ,0 . !I! Order of K 0 Dr d, (f PlLt(1flVl~?, i:'" Y)'fX~ r7 d"f~ /7'(7. . .,"........,.....' '. .: CITnENS BANK.q" ,,'P.5. .; Pennsylvllnia _r.<" , /"Tv ,/111 For-~if--.d/4i/!.A--tJl1tN L!' I~L 1:03 bO 7 I; ~ 501: I; ~OO 70 I, 5 C ~II' 0808 .,1 000 00Q;.r05\.,' [!~j-","",", 808 $ 70.51 , , 'il') Dollars tn ~ __1'....'<el1"'.rl<:"" GU~!lIol'EtV~'HC.W , [ ~ REGINA M. MAGEL FRANK A. MAGEl, 111 W. WINDING HilERb1l"-41?166::;'9is2 ~:::>n ~ MECHANICSBURG, PA 17055 . '-'- - 00, ~OQ~ ;;:;0,1 ~ (' . . DatejJ.J2.U'-~Q- "'''5138<1 ~~ ) m $ /c;S ()p 803 J I I )\ \ Pay oothe Order of F" 'L.. :' L " Iii 'I' .: CITIZENS BA 'K Pennsylvania I ,/1/ 0 Dollars 1iI::-::"- --- ForS c:;- fir 'i? . ':0:11;071; l,501: --ri!;;l1j'-IlLm~'ef ., I; *DO 701, 5 C .... 080" .' ""'- :J I' OOOOQ' I, 500,.' ceO'"~"__,,,_ Q~~~EN~ " { " \. Start Date: Number of Months: Deliverv Locations: Aug-02 10 ?NTHLY BUDGET PLAN STATm Monthly oudget Payment: $ I 28.00 YT: L....."wmer #: Statement Date: 351958 1l/25/02 "01" 121 W. WINDING HILL RD.. MECHANICSBURG PA ,.)t.ll/07lO2 11/15/02 Current Headn!! Season cbar!!es included iu bud!!et: (since last statement) Invoice Date Postimz Date Transaction Descrintion 10/25/02 Previous Balance: 11/07/02 Bud!2:et Pavm~nt-Thank You! j\:i C\:, 11118/02 Oil Delivery-"Ol "(see details next page) Amount $258.52CR $ I 28.00CR ,/ $74.95 BALANCE CURRENT HEATING SEASON BUDGET: $3 I I.57CR DECEMBER BUDGET PAYMENT DUE 12/10102 $128.00 -- The "Lifetime Protection Plan" is the best insurance plan available for your home heating system. Sign up now and get a carbon monoxide detector FREE!! They save lives. Call /-800-839-1849 today OR e-mail us at www.shipleyenergy.com Shipley Energy 550 East King Street P.O. Box 946 York, PA 17405-0946 (717)848-4100 or 1-800-839- I 849 or Visit our website www.shipleyenergy.com Page: 1 FORe.!" 711082 ..~ ~!ho~tJrrz~" ...7 J Ei'JE=G'rJ 55J EAST KING STREET PO BOX 946 YORK. PENNSYLVANIA 17405-094E (717) 848-4100 . (800) 839-1849 - REGIN\ MAGEL III W. WINDING HILL RD. MECHANICSBURG, PA 17055 Customer Number: Statement Date: 351958 11115/02 DETAILED A.CCOUNT INFORMATION DETAILED ACCOUNT INFORMATION: Monthly Budget Payment: $128.00 Customer#: Statement Date: 351958 11/25/02 I Start Date: Aug-02 Number of Months: 10 Delivery Locations; "OJ" 121 W. WINDING HILL RD.. MECHANICSBURG. PA Current Heatiul! Seasou "haNes iucluded iu budeet: (since last statement) i, Invoice Date Posting: Date 10/25102 11107102 11118/02 Transaction Descriotion Previous Balance: Budget Payment-Thank You! CHECK #804 Oil Delivery-"Ol" Invoice #96614 Heating Oil- 57.7 gallons x $1.2990/gal \2\ W. WINDING HILL RD., MECHANICSBURG, PA Truck #296 - Driver #1219 - Time 13: 18PM Am2l!n! $258.52CR S128.ooCR i 11/07/02 11115102 S74.95 subtotal: S3 I 1.57CR CURRENT ACCOUNT BALANCE TOTAL: S3l1.57CR REFER TO PAGE 1 FOR PAYMENT AMOUNT DUE If payment was made within the last 10 days. please disregard this statement. Shipley Energy 550 East I\.hlg Street P.O. Box 946 York, PA 17405-0946 (7 I 7)848-41 00 or 1-800-839-1849 or Visit our website www.shipleyenergy.com Page: 2 -:-,"'\1" Jul-02 II M ITHLY BUDGET PLAN STATEME. : Monthly Budget Payment: $145.00 Customer #: Statement Date: 11 Date: mber of ~lonths: liverY Locations: 351897 11/25/02 "01" 111 W WINDING HILL RD. MECHANICSBURG. P A 'rrent Heatinl! Season cbart!es included in budl!et: (since last statement) aice Date Postill!! Date Transaction DescriDtion 10125102 Previous Balance: 11/07/02 Budg~t.~<!Y!!!~Jlt-Ih<J.nkYol,l! L!~ 11/18102 Oil DeJivery-"OI "(see details next page) Amount $451.92CR $145.00CR $105.48 1107102 1/15102 ,LANCE CURRENT HEATING SEASON BUDGET: $491.44CR DECEMBER BUDGET PAYMENT DUE 12/10/02 $145.00 The "Lifetime Protection Plan" is the best insurance pion available for your home heating system. Sign up now and get a carbon monoxide detector FREE!! They save /lves. Call 1-800-839-1849 today OR e-mail us at www.shipleyenergy.eom Shipley Energy 550 East King Street P.O. Box 946 York, PA 17405-0946 (717)848-4100 or 1-800-839-1849 or Visit our website www.shipleyenergy.com Page: 1 RM ~ ~11082 '-"'" '':: '~~"\;1 ) 1 """', =-. ',7"'\11/""'11 'j' ," , ' ,'':,IJ ..JJ, ~lJ\.'~ J j ENEi'iGY S5G =.~ST "ING STREET p ':; SOX 946 YOFi", PENNSYLVANIA 17405.0946 (717) 848.4100 . (800) 839-1849 - Custom.er Number: Statement Date: 351891 11/25/0% FRANK M MAGEL III W WINDING HILL RD MECHANICSBURG, PA 17055 DETAILED ACCOUNT INFORMATION i Start Date: Number of Months: DeliverY Locations: Jul-02 II DETAILED ACCOUNT INFORMATION: Monthly Budget Payment: $145,00 Customer#: Statement Date: "01" III W WINDING HILL RD. MECHANICSBURG. PA Current Heatine Season charees iucluded in budeet: (since last statement) Invoice Date Postine Date 10125102 11107102 11107102 11/15/02 11/18102 Transaction DescriDtion Previous Balance: Budget payment- Thank You! CHECK #803 Oil Delivery-"Ol" Invoice #96612 Heating Oil- 81.2 gallons x $1.2990/gal III W WINDING HILL RD, MECHANICSBURG, PA Truck #296 - Driver #1219 - Time 13:07PM Am2l!ll\ $451.92CR 5145,00CR 5105.48 subtotal: 5491.44CR CURRENT ACCOUNT BALANCE TOTAL: $49tMCR REFER TO PAGE t FOR PAYMENT AMOUNTDVE /fpayment was made within the last 10 days, please disregard this statement. Shipley Ei.~ gy 550 East King Street P,O, Box 946 York, PA 17405-0946 (717)848-4100 or 1-800-839-1849 or Visit our website www.shipleyenergy.com 351897 11/25/02 Page: 2 ,'~ ,,' \, , r I,' I "REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717-766c8982 MECHANICS BURG. PA 17055 Date_Dcr r tIN';" ~.~~~:~~e h/~.;Q ::fllrdJ'1f f'a,kJ. tff :::h1i; , ~: tti~_ +: CITIZENS BANK Pennsylvania. ry-- For /7// -(JIJO'k If-f /(;{)ft, / - /____\J-Ak':kl{j.l<__mt$tc-"" 1:031;071;1.50': 1;1.00701.521.11' 0785 ,)'000OC{03I;SU! 785 3-]!HS/300 '" $ Sb. 6~ Dollars 6'1 E:'.::: ccr.._~ ~SME1\'GPoEE"''NGIO I I "REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717-766c8982 MECHANICSBURG. PA 17055 , 4 ' Pay to the e Ord.erof 1fc,f)....(jjrlA.:lbJ J),tt r M ,.4l:D.- -.J~)f h~A'ItE;(et J j)p,~'J(}.h (t,1.Q ;/?O . +: CITIZENS BANK .....-:-'"Pennsylv<tnia . . ~., _ ~ .. ~ Jllt't'!ee?f' ,SDstt, 5~4'. 'fF.:2'/J'f.j (/ 41 /j 4Y7 J For 41'5, v{'t ~~r.),Ci -_-9A411J!i.ld..O/d.f/tL."" ':031;07b I. SO.: I; 1.0070 I. 5 nil' 07''11. ,,100000 ijU,Oo", 791 DateOtfr.r JOQ~ $ S/lOo 3-]615/360 '" CClarke>'1....nc"" GUAROIA_SAfEl'YGREENWGN .,. f~~ j, ,~, -. N R, nh:j! 'OJ i! 0 0 '" , 0 .... 'I. t'- ~ ~ <8"\ cO '! ~ ~ ~ ",.,." Ll1 4 ~ 41 a :" ~ 0 ~ i !~ 0 " 0 0 m I! ~ , 0 I~ ~ 1'l 0 "U) ,." . ~ " ."'~.. ~ '" . r ~ 'i 11""' ~ . '.. IT I~ . . ..,! - '" :~ ,.,., . ~ m '" U'1 ~! " :l!i ~ 'MIl U'1 :10 ru t'- ~ :104 " 0 ~ ,,' ~\ :1) '~~ cO .1, t'- :! ~ I~~ oJ ~\\ ~ .~ .. if'!'''' U'1 Il"" cO ... II <lI 4 ru II ~ " ~ ~~ 0 ... s .. Cl- ~~ '2ua:<( cO ~~jO- ru It ~L1J:Ed Of 0 ~u:i<:Ja:: a::<:Jz::J ~~ 0 u-<t-[Q 0 I u..~g~ 0 II Cl .q; z t1~~. ... ~~5:<( ~. ~ ... <(2 :c .... ~~ I-c!..-tcl 0 fflE~~ ~ ':.:' J PA REV-1500 SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES and LIENS I III 0 '" 0 '" <Xl 0 '" ::l 0 .... 0 <Xl .... '" .,. Q U) '" '" " '" " e, I- .... <Xl 0 '" Z .... .... ::l t n 0 :E 0 0 0 0 0 0 0 <I: 0 0 0 0 0 0 0 'C I '~. ,--, I 10 ~ iSi 0 , 0 P:l Zu 0 I . I?, g.. , ("l')~~... I' '" ~ p:[ z O. o i1.3 L-.' z ~ 11 iS~ ~ I ~~~~ '" 10,,"::;: 0'\ '" c:> .. '<I' L-M~2~ = II OMOO'\O:>O\O o r-l 0 CO .-l 1.0 o::tI 1/'lO\C""lNoofNN r-I CO 0 ("") .... .... p: "" c:> ~: '0 . . . r-I.-I r-I r-I r-1,...j 000000 .... ..:l U) <!> "'" :0::0: :<;'" ~s~ ~z 00 Z r>l 0:; 0 <dt Cl H ::I: ::E. "''''..:lffi~i5 E-<~r>l@E-<~~ S~~@5~~~~~ (!)o U<!>H..:lr>l f.r.1~o2~;:!~~ p:; ,-- , i , , I , , I U r--' i ) , , ,.:i " "" (!) ~ 000000 01.0 N ("") ("f') M .... .... i I L o;tI 0:::11 0 N lfl 0 r-l ~ U1 r-- \.0 i"O l.O t' 1.0 QO'<i'OOO<'1t"-- ~;:~:;~~~~ l.O 0 1.0 1.0 1.0 \.0 1.0 ~\ONl.Ol.Ol.O'J:Il.O E-< H ;> H t '" , I , I ! LJ ." .. NC\1NMNNN 0000000 .................................................................. '-0 l.O \.0 1.0 1.0 0"0 0 r-I,...; r-I r-I.-l.-( N .................................................................... o:llXlo::tCOCOCOCO 0000000 " .~ ~ ~ ~ c '" " .. '" '" 1..: ~ ~ o o ~ .. .r: u .. u " ~ ii: x UJ ::i a: o ll- T .r: .. o E . :i: - . . '" . . .r: l.l 10 C'iI 0'\ '<I' M +- .. l! 0 .. 0 ;; III . " o '} A. .& -. ~, ",;~t. f' . ...} Alert Pharmacy Services. lne 219 "ionl1 Baltimore A" :VIr Holly Springs, PA 00) 800-266-9954 . (717) 486-8606 .;; F::NA_;J::'E CHARGE ~_. 50 %- PER MONTH P2< AS'TC'AL FERCE~';" RATE OF 18.0%) WILL BE CIi;\EGS"j O?~ ALL AMOlJN'!'S 30 DAYS OR MORE PAST aUE STAiJ"EMENT OF ACCOUNT Date 09/22/2002 ~\C':'EL, I;:SCIN.;l.. M F~W"E A M_P..GEL: L1 W WT~CE~ MEeHANI C::' E' u?<.:1 HILL RD ?A 170::5 MAGER GRP-58 PAGE 1 Amount Po PLEASE DETACH AND RETURN TOP PORTION WITH YOUR PAYMENT .,-C'" "~~PA17065 . : . Ii) . ::..t:'; " 'I - t ;~." . _ ., ~i2~t].I::l' !'ltH~ ** .ACTIVITY FOR MAGEL, REGINA M -MAGER 08/21/02 4053816 100 LORAZEPM, O.5MG " 44.25 .00 44,25 '" 08/21/02 6631332 60 CELEBREX 20JMG 01 155.56 .00 155.56 08/22/02 6631511 120 SENNA-GEN TABL3T ('1 * 5.56 .00 5.5E 08/22/02 6631512 360 MILK 0':' f'.lAG 1202 n * 2.49 .00 2.~9 08/22/02 6631513 5 CASTILE SOI...P SO:"i\I n * 2,68 .00 2.53 08/22/02 6631594 1 FLEET BAGENEMA :'1 * 5.16 .00 5,:6 08/28/02 6632990 4 FUROSEMIDE 40M3 'Jl 4.21 .00 4.2::' 08/30/02 6633821 30 I,OPERAMIDS 2!VlG n 10.78 .00 16.7S 09/05/02 6635282 120 r1EGESTROL 4011G )1 102.99 .00 102.93 09/06/02 6630060 60 DOCUSATE SOIOIUM 1 :1 * 2.81 .00 2.3: 09/06/02 663,1065 30 ARICEPT :MG H 134.13 .00 134, :5 09/09/02 6630370 30 NU::'TIVIT;MI~l T";\BL .) .~- .* 2.60 .00 2.60 09/10/02 2012658 60 M,S CONT:li 3 (lr-"G '12- 100,16 .00 100.:'6 09/11/02 Payment-'rhaI"j -{ou 349.:26- .00 349.26- 09/11/02 6636857 60 CELEBREX 20 Gr1G ," 155,56 .00 155.56 ,~ 09/16/02 6631511 26 SENNA-GEN TABLET ')1 . 72_- .00 .7l- 09/19/02 6639010 30 HALOPERIDOL DIG ':'1 10.02 .00 10.02 09/19/02 2012733 30 ROXANOL 20MG/~1L 1] '1 23,32 .00 23,3" 09/19/02 2012734 5 DlJRAGESIC 75 :-lCG/ .1 l'7t;..Ol .00 174,0: 09/19/02 6639502 :20 HALOPERIDOL 2MG '')1 54.96 .00 54.96 -=-,.o.I4I.~.lL 349.26 997.20 ---9 7~-,,--9 0 ~ l~C :::LJD ~::'5'___::.o~I".cE TOTAL CHARGES 134:5.46 ----20 ,59~ NON. LEGEND u ECR. MONTH Total Payment & Credits AMOUNT DUE PreVlous'silIance ChargeSthiSmonth- -"FInance- Charqe .co 349.97 99€" 12 FORMEX 717-533-1230 www.formexlnC.com , ~ ~3liIl:!l;r -. im~ .-\Iert Pharmacy Services. rne :: 19 'iorth Baltimore ,0."" \It Holly Springs, PA 065 801J.::66-995-+ . (717)486.8606 A FINANCE CHARGE"'- 1.50 t PER MONTH (AN ANNUAL PERCJn, ,E RATE OF 18. Ot) WILL BE CHARGED ON ALL AMOUNTS 30 DAYS OR MORE PAST DUE STATEMENT Of ACCOUNT Date 10/20/2002 " 30 DAYS. 487.94 MAGEL, REGINA M FRANK A MAGEL 111 W WINDING HILL RD MECHANICSBURG PA 17055 MAGER GRP-58 PAGE 1 Amount Paic PLEASE DETACH AND RETURN TOP PORTION WITH YOUR PAYMENT ~CY SERV INC 219 NORTH BALTIMORE AVE. MT.HOLLY SPRINGS,PA 17065 ~!i~II.' :., 1m ~______.. ** ACTIVITY FOR MAGEL, REGINA M -MAGER 09/23/02 2012734 5 DURAGESIC 75 MCG/ 01 174.01- .00 174.01- 09/23/02 2012733 30 ROXANOL 20MG/ML S 01 23.32- .00 23.32- 09/25/02 6640942 3 TRANSDERM-SCOP 1. 01 19.18 .00 19.18 09/26/02 6635282 120 MEGESTROL 40MG 01 102.89 .00 102,89 09/30/02 6640942 2 TRANSDERM-SCOP 1. 01 10.39- .00 10.39- 09/30/02 6631513 5 CASTILE SOAP SOLN 01 · .43- .00 .43- 09/30/02 6631594 1 FLEET BAGENEMA 01 . 2.89- .00 2.89- 10/02/02 6635282 167 MEGESTROL 40MG 01 138.18- .00 138.18- 10/02/02 6630060 25 DOCUSATE SODIUM 1 01 · .23- .00 .23- 10/02/02 6639502 54 HALOPERIDOL 2MG 01 23.11- .00 23.11- 10/02/02 6630370 15 MULTIVITAMIN TASL 01 . .18- .00 .18- 10/02/02 6630065 12 ARICEPT 5MG 01 52.23- .00 52.23- 10/02/02 6636857 33 CELEBREX 200MG 01 83.58- .00 83.58- PAST DUE !TOTACq.JOr:: ~R? 7';- I; LEGEND FOR MONTH :-ToTAL CHARGES: , 7.32~' 1125.88 I 3.73- I NON-LEGEND FOR MONTH TotIIl ~--& CtwdItsi /508.55 '\ AMOUNT DUE fi17:B I Charges this month- 7 l 2--.J YTD FIN ____CHARGEL Finance Charqe PreviouS .Balanc::e 996.49 - 122.07 + FORMEX 717.533-1230 www.formexinc.com J' ., -. ~ ~A Alert Pharmacy SeryiCfS, Inc 2 J 9 ~llr;h Baltimore '" ivlt Holl\ Springs. PA ,065 800-:66-995-1 . (7 I 7) -186-8606 A FINANCE CHARGE 1.50 % PER MONTH (AN ANNUAL PERCE~ .JE RATE OF 18.0%) WILL BE CHARGED ON ALL AMOUNTS 30 DAYS OR MORE PAST DUE STA7::MlENT OF ACCOUNT~- [late 11/20/2002 30 DAYS. 60 DAYS. 129.39 487.94 MAGEL, REGINA M FRANK A MAGEL 111 W WINDING HILL RD MECHANICSBURG PA 17055 MAGER GRP-58 PAGE 1 - Amount .=: PLEASE DETACH AND RETURN TOP PORTION W!TH YOUR PAYMENT ALERT PHARMACY SERV.,INC.219 NORTH BALTIMORE AVE. MT.HOLLY SPRINGS,PA 17065 ~:.~~~"~~l.iI!iltB:B:I__flPq:\r~~.l'I'" ** THIS AMOUNT PAST DUE ** PAST DUE YOUR ACCOUNT IS CONSIDERABLY PAST DUE, PLEASE REMIT ...... TODAY _ ___________ _ _16.58 YTD FIN CHARGE P-revi-ous'-Salance Chalrg"esWsmonth- -Flnanee-Charqe 617.33 - .00 _ 9.26 _ ___ _~ 00_ _"(l"A~ TAX_ AMOUNT DUE ToiAi.CH-ARGEST~tai Paym~i1t&c;;cm; 626.59 .00 626.59 1="C P}..' E'< 717-533-12::0 \<NN.' ff)fl"'1e'(inr:.con \ \~\ ':\ ':\ \:.\ i(:\ ,:\ , " \1\ \,\ 0-.....<8 lrl (/) . a: ~n ~ ~ .....:i.I 0 '<::. tPt '1;' l \-n \ i:;,\ , , . ",-\ i:\ "I \:i ~ "I ~ \~ ~ <t ~ ~ \~ 1 tiJ ~ 4\J lo (f) .., "" o \D o --- IIi cr I. U' \.n ~~ 1\ ~~.~ ....~~ ~ . ~, ~~ ~cr ~~\; o o '" Ul :.: ~ !:15 ~ .~ ~3 ~ ~ -a: u " ~~ft/liJ"" -- ~ .. o U' ... .n C"" o Ul ,., o .. - ~ .. cr cr o o o ~ ~ t#lQ1#tlO JJ.i1~. \ ~ REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717-766-8982 . !)ct I J( f)fv-o., MECHANICS BURG, PA 17055 Date i u..o< paYtoth~ ~ ~ ' J. Order of . '- V'l)(~ rtL. . I $ 3((~t.fr50 ~J'lO(l Vf..&.J~I^,,~ ON.. M4V1d1$:b~~?~~~ ~ ~::- ,; "10043070,:)' '..-1- ""', .f<...-''-' .: CITIZENS BANK . Pennsylvania ~ For:;;'VO;rr:fF 10'11/.3 a~~ 1(///73 _ uJ1..-tl ~~ 1:0:1 1;07 I; ~ 501: I; ~oo 70... 5 2 ~II. 07.,:1 ,"0000:1 t(81, SO"' 793 3-7615/360 292 .-- GUAFlDIAN8SAFETYGRl;eNWGN \ \~j i\j . r \l ~~. ( \-,..... ,,~,'\,-\ \" ' \ :,j 'I. V ROBe Limited Partnership 202 Black Matt Road Douglassville, PA 19518 Statement Account: horobc - 0110 - homagreg Date: 09/23/02 Regina Magel c/o Frank Magel 111 WWinding Hill Road Mechanicsburg, PA 17055 Payment: Date Description Charges Payments Balance Balance Forward 1,597.50 09/11/02 chk# 775 1,597.50 0.00 09/17/02 Beauty Shop-Cut, Set and Style 9/6 17.00 17.00 09/17/02 laundry Serv-8/31,9/9,9/12 20.00 37.00 09/18/02 Guest Meals - 2 lunch 12.00 49.00 09/20/02 Supplies-2 Warm Packs 8/18 1.50 50.50 09/20102 Supplies-Shower Chairs 9/1 48.00 98.50 09/20102 Supplies-Ultra Shield Wipes 9/15 5.48 103.98 09/23102 08116/02-09/15/02 long Distance Teleph 13.20 117.18 10/01/02 Rent 2,738.00 2,855.18 10101102 Basic local Telehpone Service 15.00 2,870.18 10/01102 level of Care I 450.00 3,320.18 Curr(p..~' 30 Days 60 Days 90 Days Amount Due 117.18 0.00 0.00 0.00 3,320.18 ~ ROBe Limited Partn_.ship 202 Black Matt Road Douglassville, PA 19518 Statement Account: horobc - 0110 - homagreg Date: 10/02/02 Regina Magel c/o Frank Magel 111 W Winding Hill Road Mechanicsburg, PA 17055 Payment: Date Description Charges Payments Balance Balance Forward 0.00 08/17/02 Deposit 500.00 500.00 08/17/02 Rent for 15 Days 1,350.00 1,850.00 08/17/02 Local Telephone Serv 15 days 7.50 1,857.50 08/17/02 Level of Care I - 15 days 225.00 2,082.50 08/20/02 chk# 701 500.00 1,582.50 08/20/02 chk# 440 3,188.00 -1,605.50 09/01/02 Rent 2,738.00 1,132.50 09/01102 Basic Local Telehpone Service 15.00 1,147.50 09/01/02 Level of Care I 450.00 1,597.50 09/11102 chk# 775 1,597.50 0.00 09/17/02 Beauty Shop-Cut, Set and Style 9/6 17.00 17.00 09/17/02 Laundry Serv-8/31 ,9/9,9/12 20.00 37.00 09/18/02 Guest Meals - 2 Lunch 12.00 49.00 09/20102 Supplies-2 Warm Packs 8/18 1.50 50.50 09/20/02 Supplies-Shower Chairs 9/1 48.00 98.50 09/20/02 Supplies-Ultra Shield Wipes 9115 5.48 103.98 09/23/02 08/16/02-09/15102 Long Distance Teleph 13.20 117.18 10/01/02 Rent 2,738.00 2,855.18 10/01102 Basic Local T elehpone Service 15.00 2,870.18 10/01102 Level of Care I 450.00 3,320.18 10102/02 Beauty Shop-Wash and Set 9/20 10.00 3,330.18 10/02/02 :Deoosit Credit -500.00 2,830.18 10/02102 Amount to be refunded 229.82 3,060.00 10102/02 (pay# 57279) Move out refund -229.82 2,830.18 10/02102 Check # 32001657 paid out -229.82 3,060.00 10/02/03 Rent credit for 29 Days -2,610.00 450.00 10102/03 Level of Care Credit .435.00 15.00 10/02/03 Basic Local Teleph -15.00 0.00 Current 30 Days 60 Days 90 Days Amount Due 0.00 0.00 0.00 0.00 0.00 Long Distance Telephone Charges ext date time duration cost phone_no location name 110 17-Aug-02 749 PM 25.6 $2.60 607-625-3254 APALACHIN NY Magel, Regina 110 19-Aug-02 648 PM 2.33 $0.30 995-1111 TROUT RUN PA Magel, Regina 110 20-Aug-02 1048 PM 16.11 $1.70 408-972-1744 SAN JOSE S CA Magel, Regina 110 20-Aug-02 1105PM 4.15 $0.50 408-972-1744 SAN JOSE S CA Magel, Regina 110 21-Aug-02 917 PM 15.15 $1.60 352-567-3339 DADE CITY FL Magel, Regina 110 21-Aug-02 936 PM 27.05 $2.80 607-759-0812 BINGHAMTON NY Magel, Regina 110 27 -Aug-02 635 PM 4.8 $0.50 838-6482 PALMYRA PA Magel, Regina 110 28-Aug-02 741 PM 31.66 $3.20 607-625-3254 APALACHIN NY Magel, Regina $13.20 ROBe Limited Partnership 202 Black Matt Road Douglassville, PA 19518 Statement Account: horobc - 0110 - homagreg Date: 10/22/02 Regina Magel c/o Frank Magel 111 W Winding Hill Road Mechanicsburg, PA 17055 Payment: Please remit by November 5th. Thank you. Date 10/02102 10/02/02 10/02/02 10/02/02 10/02/02 10/02/02 10/02102 10/02102 10/16/02 10/16/02 10/16/02 10/16/02 10/17/02 Current 65.51 Description Charges Payments Balance 3,320.18 10.00 3,330.18 -500.00 2,830.18 -2,610.00 220.18 -435.00 -214.82 -15.00 -229.82 229.82 0.00 -229.82 -229.82 -229.82 0.00 9.75 9.75 12.96 22.71 9.75 32.46 6.05 38.51 27.00 65.51 Balance Forward Beauty Shop-Wash and Set 9/20 :Deposit Credit Rent credit for 29 Days Level of Care Credit Basic Local Teleph Amount to be refunded (Pay# 57279) Move out refund Check # 32001657 paid out Supplles-SureCare-slip on protec grmt 9/ Supplies-Brief, Full LG 9/16 Supplies-SureCarp.-3Iip on protec grmt 9/ Supplies-SureCare-Underpads 9/27 Guest Meals - 09/23 & 09/24 3 Dinner 30 Days 60 Days 90 Days Amount Due 0.00 0.00 0.00 65.51 ROBe Limited Partn~ ,hip Statement 202 Black Matt Road Douglassville, PA 19518 Account: horobc - 0110 - homagreg Date: 11/20/02 Regina Magel Payment: J{. 70' 51 c/o Frank Magel ii(?3fO)- 111 W Winding Hill Road ~cJ< rJ Mechanicsburg, PA 17055 Please remit by December 5th Thank You Date Description Charges Payments Balance Balance Forward 0.00 08/17/02 Deposit 500.00 500.00 08/17/02 Rent for 15 Days 1,350.00 1,850.00 08117102 Local Telephone Serv 15 days 7.50 1,857.50 08117102 Level of Care I - 15 days 225.00 2,082.50 08120102 chk# 701 500.00 1,582.50 08120102 chk# 440 3,188.00 -1,605.50 09101102 Rent 2,738.00 1,132.50 09101102 Basic Local Telehpone Service 15.00 1,147.50 09101102 Level of Care r 450.00 1.597.50 09111/02 chk# 775 1,597.50 0.00 09/17/02 Beauty Shop-Cut, Set and Style 916 17.00 17.00 09117/02 Laundry Serv-8131 ,9/9,9/12 20.00 37.00 09/18/02 Guest Meals - 2 Lunch 12.00 49.00 09120102 Supplies-2 Warm Packs 8/18 1.50 50.50 09120102 Supplies-Shower Chairs 9/1 48.00 98.50 09120102 Supplies-Ultra Shield Wipes 9/15 5.48 103.98 09123/02 08/16/02-09/15/02 Long Distance TeJeph 13.20 117.18 10/01102 Rent 2,738.00 2,855.18 10101102 Basic Local Telehpone Service 15.00 2,870.18 10101102 Level of Care I 450.00 3.320.18 10/02/02 Beauty Shop-Wash and Set 9120 10.00 3.330.18 10/02/02 :Deposit Credit -500.00 2,830.18 10/02/02 Rent credit for 29 Days -2,610.00 220.18 10/02/02 Level of Care Credit -435.00 -214.82 10/02102 Basic Local Teleph -15.00 -229.82 10102102 Amount to be refunded 229.82 0.00 10/02/02 (Pay# 57279) Move out refund -229.82 -229.82 10102/02 Check # 32001657 paid out -229.82 0.00 10116/02 Supplies-SureCare-slip on protec grmt 9/ 9.75 9.75 10116102 Supplies-Brief, Full LG 9/16 12.96 22.71 10116/02 Supplies-SureCare-slip on pratec grmt 9/ 9.75 32.46 10/16/02 Supplies-SureCare-Underpads 9/27 6.05 38.51 10/17/02 Guest Meals - 09/23 & 09124 3 Dinner 27.00 65.51 11/15/02 Laundry Serv-9116 5.00 70.51 Current 30 Days 60 Days 90 Days Amount Due 5.00 65.51 0.00 0.00 70.51 / ROBe Limited Partnership 202 Black Matt Road Douglassvllle, PA 19518 Statement Account: horobc - 0110 - homagreg Date: 08/22/02 Regina Magel cia Frank Magel 111 W Winding Hill Road Mechanicsburg, PA 17055 Payment: Date Description Charges Payments Balance Balance FOrNard 0.00 08/17/02 Deposit 500.00 500.00 08/17/02 Rent for 15 Days 1,350.00 1,850.00 08/17102 Local Telephone Serv 15 days 7.50 1,857.50 08117102 Level of Care I - 15 days 225.00 2,082.50 08120/02 chk# 701 500.00 1,582.50 08/20102 chk# 440 3,188.00 -1,605.50 09/01/02 Rent 2,738.00 1,132.50 09/01/02 Basic Local Telehpone Service 15.00 1,147.50 09/01/02 Level of Care I 450.00 1,597.50 Current 30 Days 60 Days 90 Days Amount Due n nn n nn nno 0.00 1.5~- I~ 1,1 ) ... . REGINA M. MAGEL FRANK A. MAGEL , 111 W.WINDINGHILLRD. 717-766-8982 D ~('tf2)M. MECHANICS BURG, PA 17055 ate b~Yro,,~~e pP~J. ,@Pitr~L lJ~~ ~lutrJ/ff1.. ~t~ '-N~. ~~ ~ .; CITIZENS BANK Pennsylvania (l/ For:20060-7rPv ~(L~f.. ,:0301;071;~5ol: 1;~007oI.,5BlI" 0781:1 "'O~cr~5I:1," 789 3-78161360 292 I $ 37Q,E;1 ~ Dollars fD ~ CClarI<~_ ~WETYGAEENWON . REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717-76&8982 R>ri f P Jr>;;> MECHANICS BURG, PA 17055 Date~'<X Paytnthe pp~';t f!& ~~J._ Order of ..c l J;tN Y 1XtPb 5>I:!)<ff'r\. a-n.il ! C>r/ ' .; CITIZENS BANK Pennsylvania 790 3-1615/360 292 1$ a7.tf-L( Dollars 6'1 =:--= For 19 Kc:;/) ~?oO}b ':030 1;0 7b ~ 50': I; .0070 I., 52 1.11" fl;:dl g, ~. .. - ~ - - - 071:10 ,"00000 7 I., 1."" O~__ GUARD\ANeWETYGF\EEHW~ .. \. . ~ REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717-766-8982 MECHANICS BURG, PA 17055 Date tJrf (g /)fJDJ. i-';, 787~1 .~ 3-7615/360 ;~I 292,-<1 .~ i~ - $~~~:- ~~ ~ 'I i; I ~ \ / Pay to the Order of r;u, t: CITIZENS BANK Pennsylv<tnia _n__{j;;d1_<<-~Jn~ ~~0070~S2~~ 0787~00000~~OO~ For Sb"19 52\ I:03~07~ ~SOI: QC1ar~~_..... GUAADr.oNGllSAFEl'YGAEENWGN ~ REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717-766-8982 MECHANICS BURG, PA 17055 786 1\ r Date&- ( t .J...w.? $ jLf-,5; 0 D 3-7615/360 "2 i- t: CITIZENS B Pennsylvania A __I l!J~_: For -:{!:> I rfC! r; . 1:03~07~ ~SOI: r// j -__~1-/ltMdL.4~-9'l11fk-~ ~ ~OO 70 ~ 5 2 ~II' 0 78 ~ ,"00000 ~ J.5oo,,' .-- GuNlDIAAl&SAF'ETYGRUNWGOl \ ~ REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HIU RD. 717-766-8982 MECHANICSBIJ6llii8411D556713 20 i Pay to the GJ.' *. n r ~rof ~VL fi <YrNfI'~ J 1iR vt ~.D' .: CITIZENS BANK Pennsylvania (J./ For Ih"tJf~q/ol __r:t~4~ mhAu~!,! ':031;071; ~ 501: I; ~oo 70 l, 5 2 ~II. 08 ~8 111000;~OI" 818 gahJ -J)n~/~ 1$2-5""0 3--7815/360 292 Dollars ~ ::..::- -~- ~IIAFET'I'I3AEelWGN ,/~. "I , , ,>" ru; \ \ J' / J / rt .~~~.~"'..hr...' """""'''T.i:'c;~~,'~~'''.'-'~.="",,I''F-f'_~~~~~ ~ REGINA M. MAGEL 800 t FRANK A. MAGEL' " 111 W. WINDING HILL RD: 717-760-8982 It if,) '-76151360 In i. MECHANICS BURG, PA 17055 Date t IV) ,~( C..2 292 11,1" " Pay to the Iii '...,. I $ , " 1'7~' Order of ,( y, ((,1\ . , '(/('.7; '. F I " '. j'...!l1- !~ (;/{I1L' hvangl((,i' \.11 It I iLl /?C Dollars 6l :;=:.:~ .: CITIZENS BANK . Pennsylvania For 1:0 '1bO 7b I. 501: b 1.00701. 52 I.,,' /)/ ( /' !/ \ fluS f~l cl. .1Jltrf/ . .. 0800 ."OOOOO/I.Ob 7 7," ~ OOARDIANiIlJSAFETYGAHNWGN "C/Qr~~ANom<.... ~ REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HilL RD. 717-766-8982 MECHANICS BURG, PA 17055 805 Date /,)D&' if }[t)) I 3-7615/360 m Pay to the f\'. . ~ t II 9>jeroL-'.)A f~MQ L, (:\J ~:t~~;js AB~~ l1,{ fc0 Pennsylvania /, F:;O~~:,~~~t~s:'::~;~[ m. ;~~~~ 1~~f~;" $ -.) _'). Co cc Dollars til E:'..-:: C>eIw.~_ia:#l GU,I.R01.l.NlllSAfETYGR€ENWGN ~ REGINA M. MAGEL FRANK A. MAGEL "' W. WINDING HILL RD. 717-766-8982 MECHANICS BURG, PA 17055 Paytoth~ . PI f: (' ~ Order of - (l'if? , k 1/",W1rl ('Il J/V) f l !'l{e."A wi l~ f ; h' ;1i.~llfJ;; .: CITIZENS BANK U I '. Pennsylvania ----7 For t t 11- (J (p. (' - ~3 (I() -t,59f d:~t.l/1ic lL7tZI:Jk{... 1:03 bO 7 b I. 501: b 1.0070 I. 52 1.11' 080 I. ."00000 ~8 5 I. U 801 Date fU(,.) II, den;) 3-7615/360 292 I $ _~ 8'S-: f 7 011' .. ;0, --- ;; ;.:. 0 ~:r8) \:.J,:!J :;:..~_ ,I llICf<orkc""""""'".... i \, rjJ "G"'.M. MAGEL - i FRANK A. MAGEL " 111 W. WINDING HILL. RD. 717-766-8982 MECHANICSBURG, PA 17055 Pay to the lk '~ On;-of ~i (.Tin {j 11::.& , ;f~~~z~Ms ~~~MC/ pm ' Pennsylvania. 788 Date PH l,r ;tc~ I $ 6S:Cc,/ 3-76151360 191 Dollars ID =-=- ../ For ':0 HIO 7 I:. I. 501: (2/ , '. JI /If 0fh t7 -\].~,^,1j./ ~-71J:re4d-.~ bI.0070~521.. 0788 '00000~5~1.1 o:>~.q".''''''M OO",RDl,o,f4S,lFI;TYOREENWGN ~ REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717-766-8982 MECHANICS BURG, PA 17055 ~~~~~~e 'If 71 T {~)J re 15<:, dt.' . ' ~ '0.-~e (et1,pQ /('C> '. .: CITIZENS BANK Pennsylvania . (')/. t For 159 ~;b){!O 93 0?,f' 7--l;:;ig6lt.~l{~__1!!.~.... 1:0 ~I:.O 71:. I. 501: b 1.00 ?O~ 5 21.11" 0781. ,"000000 3 30 3," 784 Date &;1-( ,r ){!J2. 3-76151360 291 $ 33. oj Dollars ~~:: _/ Qct",-M"",,,,"""" GU1JlOl_IIo'PE'NGP,(EUWGH I1\; ~ ~~~1~~~~~~~fl'5a9S2G 2~;;~et/)7f'7R ~~ Pay to the -.-Cb n&-co <{fer of . h) ~~ -~te.aMt& 400" .: jIC(TlZENS BANK Pennsylvania ~ For 5TJL-JlC(,J.,!;ct )._4A1iI.{--a--Wltel~ 1:0:1 I:.O? b I. 50': I:. 1.00 ?Ol. 5 Bil" 07 "l 5 ,"000000 s:400'" 795 :r76151360 291 $ ~3-c;eJ Dollars ID ="::' ---- co..__.... GIl~s.vEfVOFlEENWGN "; \\\) \,\ \1 J ~ REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 111-16lHl982 MECHANICS BURG, PA 11055 ) Payrothe L J.t (jl!f Ord~rof ,1-1 ( /.') , 'L i ~ f} ~~. e/lJ.f 1"(',.-:)'1, .: ~.TIZE, s BANK Pennsylvania t!J.J2- . / ,,,/. , 0,' I ~~ro(~~~~ :~~~ b WO 70 l, 5 2 ~II' C~~"" ~ REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 111-16lHl982 MECHANICS BURG, PA 17055 t{. IT ENS BANK '_,__.-=1l'_=< dliiiij~."~~"".~_~~~.__.._....",,,,. "_.".1!1!:'~",.;~ 8161, Date ! c?/i,?/(),,; / 3-7615/360 192 I $!J.....?)"." Co c, ,~ Dollars til == ~ Ii ~:~~d~.t~oo~~~' ',II ,,~--. tJ GUARDIANilllSAFETV GREEN WGN 817 [ ~ ~ I; Date Ii?,. ~-l:) D'<. (I~ , 3-7615/360 192 $:>'--" ~,,.:) Dollars til E:'.":" Pennsylvania (2 For b!f-t-r:o '7(' Lfr:~O()t,,(-1 "--~VLLl[l.u7i&e'/fC~... 1:03 bo 7 b ~ 501: b ~oo 7ol, 5 2 ~II' 08 ~ 7 ,I' 000000(153 q,I' 00 I , .-- OUAAOlANeSAFfiTYGRGENWGN ~ REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING Hill RD. 117-766-8982 MECHANICS BURG, PA 17055 ~ ,,'I' ~i Pay ro the i4-Lj' r Order~f . /T L,?X~M -Sttt-;;y /fndj /N, . .: CITIZENS BANK Pennsylvania For IIT-oldtJ6'l3(,f'1'7 1:03 bo ?b ~ 501: b ~OO 70 l, 5 2 ~II' O~J,c",,-",.... 819 Date tf,,>J3 l;Z ( 3-76]5/360 I 191 $ (yC:-O~' Dollars 6) a:::.- ~~~~~~~~:, ~'. ....... ~ ....... - - - - ....... =- = - Cash back Bonus- AWARD Keep using your Disa>ver(R) Card and watt:h your Cashback Bonus(R) award growl Remember, once your Cashback Bonus sward is at least $20, you can redeem your award by calling us or by logging into the Account Center at Discovercard.CQm. - Discover Platinum Card Account Summary ~ account number payment due dais minimum payment due credit limit credit available cash credit limit cash credit available 6011 0020 3300 6354 November 23, 2002 $10.00 $11,000 $10,614 $5,500.00 $5,500.00 Closing Date: October 24, 2002 page 1 of 2 ~ '" q Cashbi InusQ3) Anniversary Date: April24 Previous Cashback Bonus Award Balance $ 0.08 Traditional Award This Period + 1.25 Other Awards Thls Period + 0.00 Cashback Bonus Award Total 1.33 Redemptions This Period 0.00 Cashback Bonus Award Balance 1.33 Award Available to Redeem $ 0.00 previous balance $-113.87 . payments and credits 84.93 purchases + 583.97 cash advances + 0.00 balance transfers + 0.00 FINANCE CHARGES + ' 0.00 new balance = $385.17 You may be able to avoid Periodic Finance Chslf/es. sse the IWverse side for details. 8 .. ~ o " Usa thIs.Dlscover(R) Platinum CMck... the quk:k, lil8!l:Y way to get cash.. SllIe b~ck of nsxt PC.I1& for Impcrtant Informatlclll:libout 'his Cas:-- AdVance c:hed<.. FRANK M MAGEL REGINA MAGEL 111 W WINDING HiLL RD MECHANICSBURG PA 17055.5175 PAY TO THE ORDER OF 9280 DATE 62-64 311 $ DOLLARS 0. ~~~..... W ~..II" DISCOVER BANK GREENWOOD, DElAWARE Memo: .:0:1 ~ moE,I. l:j.: n?0l:JS?S1,81,01l"E, ~l:J 280 . ~~::~~e {fm r:ur ~ < .$2- ~ t~ ti,~ rDO .: em NS BANK Pennsylvania a/ For ()'1D,JdO'l.i)?fI./ () 1__ddL.,,-J{/l__mJ1!._L"! 1:031;,0?b .501: I; .00 ?ot, 52 loll" 07 'it, 1,IOOOOOO~500111 REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717-766-8982 MECHANICS BURG, PA 17055 794 Date~ta) 3-7615/360 '92 1$ '2,5>.00 Dollars fTI === / -- '--..-- GUAR~NeSAFETYOflEENWGN / . b~::~r.e:ia ftil!i~;+}~8 404 23 3326 I :$5(~~ J(tJ ~1t ~ ~ .: CITIZENS BANK Pennsylvania & For (Jb/~:J,l)ffof if.Ab~{ /!'~ W1~/". 1:031;071;, .501: I;, .00701,52.11" 07B3 "'0000'D~~0111 REGINA M. MAGEL FRANK A. MAGEL 111 W. WINDING HILL RD. 717.76&-8982 MECHANICSBURG, PA 17055 783 Date ~ eft f d-fiO.-.( 3~7615136D '92 Dollars ~~-= ~- ~~~~WON > \' `u~ ~`; PLEASE FILE THIS REPORT WITHIN TWO YEARS OF DATE OF DEATH REGARDLESS OF THE STATUS OF THE ESTATE. IF ESTATE IS NOT COMPLETED, FILE FORM 6.12 YEARLY UNTIL COMPLETION. STATUS REPORT UNDER RULE 6.12 Name of Decedent: Regina M. Magel ` ' "~ ~~ L._ Date of Death: September 27, 2002 Will No.: 21-02-0983 ' _ Pursuant to Rule 6.12 of the Supreme Court Orphans' Court Rules, I report the following with respect to completion of the administration of the above-captioned estate: _ ` State whether administration of the estate is complete: No 2. If the answer is No, state when the personal representative reasonably believes that the administration will be complete: January 2004 3. If the answer to No. 1 is yes, state the following: A. Did the personal representative file a final account with the court? N/A B. The separate Orphans' Court No. (if any) for the personal representative's account is: None C. Did the personal representative state an account informally to the parties in interest? N/A D. Copies of receipts, releases, joinders and approvals of formal or informal accounts may be filed with the Clerk of Orphans' Court and maybe attached to this report. ~~ ~, ~~ ~r Date: June 30, 2003 f Crai A. Hatch, Esquire LD. # 76361 GATES, HALBRUNER & HATCH, P.C. 1013 Mumma Road, Suite 100 Lemoyne, PA 17043 (717)731-9600 Capacity: Counsel for Personal Representative B4kEAU OF INDIVIDUAL TAXES INHERITANCE TAX DIVISION DEPT. 280601 HARRISBURG, PA 17128-0601 CRAIG A HATCH GATES ETAL 1013 MUMMA RD LEMOYNE ESQ COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE NOTICE OF INHERITANCE TAX APPRAISEMENT, ALLOWANCE OR DISALLOWANCE OF DEDUCTIONS AND ASSESSMENT OF TAX STE 100 PA 17043 REV-1547 E% ~FP (01-03) DATE 08-11-2003 ESTATE OF MAGEL REGINA M DATE OF DEATH 09-27-2002 FILE NUMBER 21 02-0983 COUNTY CUMBERLAND ACN 101 Amount Remitted MAKE CHECK PAYABLE AND REMIT PAYMENT T0: REGISTER OF WILLS CUMBERLAND CO COURT HOUSE CARLISLE, PA 17013 CUT ALO NG THIS LINE - RETAIN LOWER PORTION FOR ------------ ------- YOUR RECORDS ~ ----------------------- --------------------- -------------------------- ---------------------- INHERITANCE TAX APPRAISEMENT, ALLOWANCE 0 REV-154 7 EX AFP (01-03) NOTICE OF DISALLOWANCE OF DEDUCTIONS AND ASSESSMENT OF TAX MAGEL REGINA M FILE N0. 21 02-0983 ACN 101 DATE 08-11-2003 ESTATE OF TAX RETURN WAS: ( ) ACCEPTED AS FILED ( X) CHANGED SEE ATTACHED NOTICE RESERVATION CONCERNING FUTURE INTEREST - SEE REVERSE APPRAISED VALUE OF RETURN BASED ON: ORIGINAL RETURN 7 0 153 223 NOTE: To insure proper 1. Real Estate (Schedule A) . . (1) 44 243 356 credit to your account, 2. Stocks and Bonds (Schedule B) . , (2) 00 submit the upper portion 3. Closely Held Stock/Partnership Interest (Schedule C) , (3) 00 of this fora with your 4. Mortgages/Notes Receivable (Schedule D) . (4) 82 469 30 tax payment . 5 Cash/Bank Deposits/Misc. Personal Property (Schedule E) . , (5) . 6 Jointly Owned Property (Schedule F) 19,667.33 (6) . (7) 130,482.12 7. Transfers (Schedule G) (8) 760, 016 .41 8. Total Assets APPROV ED DEDUCTIONS AND EXEMPTIONS: 75,094.22 9. Funeral Expenses/Adm. Costs/Misc. Expenses (Schedule H) (9) 41 143 10 10. Debts/Mortgage Liabilities/Liens (Schedule I) . . (10) 237 63 85 (11) . . 11. Total Deductions 674,778.77 12. Net Value of Tax Return (12) .00 13. Charitable/Governmental Bequests; Non-elected 9113 Trus ts (Schedule J) (13) 67 4,77 8.77 14. Net Value of Estate Subject to Tax (14) NOTE: If an assessment was issued previously, lines 14, 15 andior 16, ns assessed t t 17, 18 and 19 will o date. reflect figures that include the total of ALL ur re ASSESSMENT OF TAX: .00 X 00 = .00 15. (15) Amount of Line 14 at Spousal rate 77 X 778 674 045= 30,365.04 16. Amount of Line 14 taxable at Lineal/Class A rate (16) . , 00 12 - .00 17. Amount of Line 14 at Sibling rate (17) . X 00 _ 15 .00 18. Amount of Line 14 taxable at Collateral/Class B rate (18) . X = 365.04 30 (19)= , 19. Principal Tax Due DATE NunestK 12-27-2002 CD002001 06-30-2003 CD002753 :OUNT l+1 AMOUNT PAID /PEN PAID (-) 1,052.63 20,000.00 3.83- 9,554.10 TOTAL TAX CREDIT 30,602.90 BALANCE OF TAX DUE 237.86CR INTEREST AND PEN. .00 TOTAL DUE 237.86CR * IF PAID AFTER DATE INDICATED, SEE REVERSE FOR CALCULATION OF ADDITIONAL INTEREST. ( IF TOTAL DUE IS LESS THAN 51, NO PAYMENT IS REQUIRED. IF TOTAL DUE IS REFLECTED AS A "CREDIT" (CR), YOU MAY BE DUE A REFUND. SEE REVERSE SIDE OF THIS FORM FOR INSTRUCTIONS.) REV-1470 EX 16-H61 `' w~~~- COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES DEPT. 280601 DECEDENT'S NAME REVIEWED BY ITEM SCHEDULE NO. E8-H Regina M. Magel Sheila Megonnell ROW INHERITANCE TAX EXPLANATION OF CHANGES FILE NUMBER 2102-0983 EXPLANATION OF CHANGES 101 Page 1 Changes made to Schedules "E" and "H" per letter dated 07-10-2003 from the correspondent requesting these changes be made to the decedent's return. i ~~ ~~. r.~ PLEASE FILE THIS REPORT WITHIN TWO YEARS OF DATE OF DEATH REGARDLESS OF THE STATUS OF THE ESTATE. IF ESTATE IS NOT COMPLETED, FILE FORM 6.12 YEARLY UNTIL COMPLETION. STATUS REPORT UNDER RULE 6.12 Name of Decedent: Date of Death Will No.: Regina M. Magel September 27, 2002 21-02-0983 Pursuant to Rule 6.12 of the Supreme Court Orphans' Court Rules, I report the following with respect to completion of the administration of the above-captioned estate: State whether administration of the estate is complete: Yes 2. If the answer is No, state when the personal representative reasonably believes that~the administration will be complete: N/A If the answer to No. 1 is yes, state the following: A. Did the personal representative file a final account with the court? No B. The separate Orphans' Court No. (if any) for the personal representative's account is: None C. Did the personal representative state an account informally to the parties in interest? Yes D. Copies of receipts, releases, joinders and approvals of formal or informal accounts may be filed with the Clerk of Orphans' Court and may be attached to this report. Date: October 6 , 2003 Craig .Hatch, Esquire PA I. . # 76361 GATES, HALBRUNER & HATCH, P.C. 1013 Mumma Road, Suite 100 Lemoyne, PA 17043 (717) 731-9600 Capacity: Counsel for Personal Representative BUREAU OF INDIVIDUAL TAXES INHERITANCE TAX DIVISION DEPT. 28D601 HARRISBURG, PA 17128-0601 CRAIG A HATCH ESQ GATES ETAL 1013 MUMMA RD STE 100 LEMOYNE PA 17.043 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE INHERITANCE TAX STATEMENT OF ACCOUNT REV-1607 EX AFP (O1-OS) DATE 09-15-2003 ESTATE OF MAGEL REGINA M DATE OF DEATH 09-27-2002 FILE NUMBER 21 02-0983 COUNTY CUMBERLAND ACN 101 Amount Remitted MAKE CHECK PAYABLE AND REMIT PAYMENT T0: REGISTER OF WILLS CUMBERLAND CO COURT HOUSE CARLISLE, PA 17013 NOTE: To insure proper credit to your account, submit the upper portion of this fora with your tax payment. RETAIN LOWER PORTION FOR YOUR RECORDS --_~______________________ CUT ALONG THIS LINE ------------------ *** --------------- ---------- -----------------'---'------- ~** INHERITANCE TAX STATEMENT OF ACCOU REV-1607 EX AFP (01-03) ESTATE OF MAGEL REGINA M FILE N0. 21 02-0983 ACN 101 DATE 09-15-2003 THIS STATEMENT ITHERPRINCIPAL TAXIDUE,FAPPLICATIONTOFTALLSPAYMENTSSTTHEDCURRENT BALANCEEDANDTAIF.APPLICABLEOw IS A SUMMARY •F A PROJECTED INTEREST FIGURE. DATE OF LAST ASSESSMENT OR RECORD ADJUSTMENT: OS-11-2003 30,365.04 PRINCIPAL TAX DUE:........... ................................................................................................................................................................................................................ PAYMENTS (TAX CREDITS): PAYMENT RECEIPT DISCOUNT (+) AMOUNT PAID DATE NUMBER INTEREST/PEN PAID (-) CD002001 1,052.63 20,000.00 12-27-2002 3.83- 9,554.10 06-30-2003 CD002753 00 237.86- 08-27-2003 REFUND TOTAL TAX CREDIT 30,365.04 BALANCE OF TAX DUE .00 INTEREST AND PEN. .00 TOTAL DUE .00 ~ IF PAID AFTER THIS DATE, SEE REVERSE SIDE FOR CALCULATION OF ADDITIONAL INTEREST. ( IF TOTAL DUE IS LESS TNAN S1, NO PAYMENT IS REQUIRED. .% IF TOTAL DUE IS REFLECTED AS A "CREDIT" (CR), _ ___...... ~.~~ ocuCDCF sTDE OF THIS FORM FOR INSTRUCTIONS. )