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12-10-14 (2)
I -11505611185 REV-1500 EX(02-11)(FI) OFFICIAL USE ONLY PA Department of Revenue County Code Year File Number Bureau of Individual Taxes PO BOX 280601 INHERITANCE TAX RETURN 21 13 0994 Harrisburg,PA 17128-0601 RESIDENT DECEDENT ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 09092013 02291936 Decedent's Last Name Suffix Decedent's First Name MI MARBAIN MAX D (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name M I MARBAIN JESSICA L Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE BOXES BELOW 1. Original Return ❑ 2. Supplemental Return ❑ 3. Remainder Return(Date of Death Prior to 12-13-82) 4. Limited Estate ❑ 4a. Future Interest Compromise(date of FxO 5. Federal Estate Tax Return Required death after 12-12-82) ® 6. Decedent Died Testate 7. Decedent Maintained a Living Trust 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust.) ❑ 9. Litigation Proceeds Received ❑ 10. Spousal Poverty Credit(Date of Death ❑ 11. Election to Tax under Sec.9113(A) Between 12-31-91 and 1-1-95) (Attach Schedule O) CORRESPONDENT- THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Daytime Telephone Number VANCE E . ANTONACCI, ESQ • 717-581-3701 n REGISTER OF WILD SE ONLY �? �V rrn x First Line of Address 3: �_ p 570 LAUSCH LANE r�rt M; Second Line of Address -t"— M SUITE 200 ca art City or Post Office State ZIP Code C:) WE FI6a C=. LANCASTER PA 17601 C:) Correspo ent's e-mail address: V A N T O N A C C I W M W N • COM Under pe a ies of perjury, I declare that I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief, it is true, rrect and complete.Declar tion of prep rer other than the personal representative is based on all information of which preparer has any knowledge. SIGN E OF PERSON RE4PONSIBLE FO F LING RET RN DATE ADDRESS 2933 ARCONA ROAD MECHANICSBURG, PA 17055 SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE DATE MCNEES WALLACE & NURICK LLC ADDRESS 570 LAUSCH LANE, SUITE 200 LANCASTER PA 17601 PLEASE USE ORIGINAL FORM ONLY Side 1 1505611185 OM46473.000 1505611185 1505611285 REV-1500 EX(FI) Decedent's Social Security Number Decedent's Name: M A R B A I N MAX D RECAPITULATION 1. Real Estate(Schedule A) . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. 7-18061204 - 00 2. Stocks and Bonds(Schedule B) . . . . . . . . . . . . . . . . . . . . . . . . . 2. 0 . 00 3. Closely Held Corporation,Partnership or Sole-Proprietorship(Schedule C), , , , , 3. 1 1 4 9 6 ,5 6 9 • 16 4. Mortgages and Notes Receivable(Schedule D) , , , , , , , , , , , , , , , , , 4. 0 - 00 5. Cash, Bank Deposits and Miscellaneous Personal Property(Schedule E) , , , , , 5. 101206 • 66 6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested , , , . 6. 321628 • 78 7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property (Schedule G) ❑ Separate Billing Requested . . . . 7. 1,5 4 7,2 7 9 . 50 8. Total Gross Assets(total Lines 1 through 7) , , , , , , , , , , , , , , , , , , 8 101892 -1888 • 10 9. Funeral Expenses and Administrative Costs(Schedule H). . . . . . . . . . . . . 9. 1761049 • 69 10. Debts of Decedent, Mortgage Liabilities,and Liens(Schedule 1) , , , , . . . . . 10. 4,6 4 6,5 3 3 • 49 11. Total Deductions(total Lines 9 and 10), , , , , , , , , , , , , , , , , , , , , 11. 4 -18221583 • 18 12. Net Value of Estate(Line 8 minus Line 11) , , , , , , , , , , , , , , , , , , , 12. 6-10701304 • 92 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made(Schedule J), , , , , , , , , , , , , , , , 13, 4 , 490,396 • 64 14. Net Value Subject to Tax(Line 12 minus Line 13) , , , , , , , , , , , , , , , 14. 1-1579-1908 • 28 TAX CALCULATION -SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate,or transfers un�er Sec.9116 (a)(1.2)X.0- 1,579,908 . 28 15, D - 00 16. Amount of Line 14 t xable at lineal rate X.0 4 9 0 . 00 16. 0 . 00 17. Amount of Line 14 taxable at sibling rate X.12 0 . 00 17. 0 . 00 18. Amount of Line 14 taxable at collateral rate X.15 0 . 00 18. 0 . 00 19. TAX DUE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19. 0 . 00 20. FILL IN THE BOX IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT ❑ Side 2 1505611285 1505611285 OM4648 3.000 REV-1500 EX(FI) Page 3 File Number Decedent's Complete Address: 21 13 0994 DECEDENT'S NAME MARBAIN MAX D STREET ADDRESS 2933 ARCONA ROAD CUMBERLAND COUNTY CITY STATE ZIP MECHANICSBURG PA 17055- Tax Payments and Credits: 1. Tax Due(Page 2,Line 19) (1) 0 . 00 2. Credits/Payments A. Prior Payments 0 . 00 B. Discount 0 . 00 Total Credits(A+B) (2) 0 . 00 3. Interest (3) 0 . 00 4. If Line 2 is greater than Line 1 +Line 3,enter the difference.This is the OVERPAYMENT. Fill in box on Page 2, Line 20 to request a refund. (4) 0 . 00 5. If Line 1 + Line 3 is greater than Line 2,enter the difference.This is the TAX DUE. (5) 0 . 00 Make check payable to: REGISTER OF WILLS, AGENT. PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred . . . . . . . . . . . . . . . . . . . . . . X b. retain the right to designate who shall use the property transferred or its income . . . . . . . . X c. retain a reversionary interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ❑ d. receive the promise for life of either payments,benefits or care? . . . . . . . . . . . . . . . . . . ❑ 111 2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ❑ 3. Did decedent own an"in trust for"or payable-upon-death bank account or security at his or her death? Dfl❑ 4. Did decedent own an individual retirement account, annuity, or other non-probate property,which contains a beneficiary designation? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ® ❑ IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994, and before Jan. 1, 1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent[72 P.S.§9116(a)(1.1)(i)]. For dates of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S.§9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1,2000: • The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent, an adoptive parent or a stepparent of the child is 0 percent(72 P.S.§9116(a)(1.2)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is 4.5 percent,except as noted in[72 P.S.§9116(a)(1)]. • The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is 12 percent [72 P.S.§9116(a)(1.3)]. A sibling is defined, under Section 9102,as an individual who has at least one parent in common with the decedent,whether by blood or adoption. OM4671 2.000 REV-1502 EX+(12-12) pennsylvania SCHEDULE A DEPARTMENT OF REVENUE INHERITANCE TAX RETURN REAL ESTAT E RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Max D Marbain 21 13 0994 All real property owned solely or as a tenant in common must be reported at fair market value.Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell,both having reasonable knowledge of the relevant facts. Real property that is jointly-owned with right of survivorship must be disclosed on Schedule F. Attach a copy of the settlement sheet if the property has been sold. ITEM Include a copy of the deed showing decedent's interest if owned as tenant in common. VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. Thirty Nine (39) parcels of real estate with improvements located in Carlisle, South Middleton Township, Cumberland County, Pennsylvania. 4,557,351.00 The real estate holdings collectively are known as the Greenfield Development, a rental community. See attached list identifying the parcels owned by the decedent and their tax assessed value at the time of the decedent's death. The properties are valued at the tax assessed value multiplied by the common level ratio factor of . 97 for Cumberland County at the time of the decedent's death. The tax assessed value multiplied by the common level ratio is how fair market value is determined for tax authority purposes. THE REAL ESTATE LISTED BELOW IS PART OF A DEVELOPMENT KNOWN AS EVERGREEN II: 2 Vacant lot located on Thistle Drive, Silver Spring Township, Cumberland County, Pennsylvania (Tax Parcel No. 38-08-0567-399) . Property known as Lot 25 in Evergreen II Development. 42,098.00 Lot valued at its tax assessed value of $43,400 multiplied by . 97, the common level ratio factor for Cumberland County at the time of decedent's death. 3 Real Estate known as 79 Keswick Drive, Silver Spring Township, Cumberland County, Pennsylvania (Tax Parcel No. 38-08-0567-420) . Property known as Lot 73 in Evergreen II Development. 148,798.00 Property valued at its tax assessed value of $153,400 X . 97, the common level ratio factor for Cumberland County at the time of decedent's death. Total from continuation schedules . . . . . . . . . 3,057,957.00 TOTAL (Also enter on Line 1,Recapitulation.) $ 7,806,204.00 2w4685 2.000 If more space is needed, use additional sheets of paper of the same size. Estate of: Max D Marbain 21 13 0994 Schedule A '(Page 2) Item Value at Date No. Description of Death 4 Real Estate known as 81 Keswick Drive, Silver Spring Township, Cumberland County, Pennsylvania (Tax Parcel No. 38-08-0567-421) . Property known as Lot 74 in Evergreen II Development. 149,283.00 Property valued at its tax assessed value of $153,900 multiplied by . 97, the common level ratio factor for Cumberland County at the time of decedent's death. 5 Real Estate known as 33 Keswick Drive, Silver Spring Township, Cumberland County, Pennsylvania (Tax Parcel No. 38-08-0567-389) . Property known as Lot 15 in Evergreen II Development. 260,000.00 Valued per sale on August 22, 2014; See attached copy of settlement statement 6 Real Estate known 39 Keswick Drive, Silver Spring Township, Cumberland County, Pennsylvania (Tax Parcel No. 38-08-0567-392) . Property known as Lot 18 in Evergreen II Development. 228,500.00 Valued per sale on December 20, 2013; See attached copy of settlement statement. 7 Real Estate known as 50 Thistle Drive, Silver Spring Township, Cumberland County, Pennsylvania (Tax Parcel No. 38-08-0567-401) . Property known as Lot 26 in Evergreen II Development. 260,000.00 Valued per sale on September 19, 2013; See attached copy of settlement statement. 8 Real Estate known as 40 Thistle Drive, Silver Spring Township, Cumberland County, Pennsylvania (Tax Parcel No. 38-08-567-400) . Property known as Lot 27 in the Evergreen II development. 331,075.00 Valued per sale on October 18, 2013; See attached copy of settlement statement. 9 Real Estate known as 73 Keswick Drive, Mechanicsburg, Silver Spring Township, Cumberland County, Pennsylvania. Property known as Lot 70 in the Evergreen II Development. 170,000.00 Total (Carry forward to main schedule) 1,398,858.00 Estate of: Max D Marbain 21 13 0994 Schedule A (Page 3) Item Value at Date No. Description of Death Valued per sale on June 12, 2014; See attached copy of settlement statement THE REAL ESTATE LISTED BELOW IS PART OF A DEVELOPMENT KNOWN AS THE BRIDGES: 10 Real Estate consisting of 30 lots identified in an installment sales agreement dated May 7, 2014. Real estate includes 28 lots in the Bridges development and 2 lots from the Evergreen Phase 2 development. 1,575,000.00 The parcels are valued per the agreed upon purchase price for each parcel of $52,500; See attached copy of sales agreement.*being submitted to Department directly due to confidential nature 11 Real Estate known as 210 Drury Lane, Silver Spring Township, Cumberland County, Pennsylvania (Tax Parcel No. 38-08-0567-484) . Property known as Lot 9 in the Bridges development. 46,463.00 This property was not part of the May 2014 sales agreement and is valued at its tax assessed value of $47,900 multiplied by .97, the common level ratio factor for Cumberland County at the time of the decedent's death. 12 Real Estate known as 109 Drury Lane, Silver Spring Township, Cumberland County, Pennsylvania (Tax Parcel No. 38-08-0567-490) . Property known as Lot• 15 in the Bridges Development. 37,636.00 This property was not part of the May 2014 sales agreement and is valued at its tax assessed value of $38,800 multiplied by .97, the common level ratio factor for Cumberland County at the time of the decedent's death. Total (Carry forward to main schedule) 1,659,099.00 REV-1504 EX-(9-12) SCHEDULE C pennsylvania CLOSELY-HELD CORPORATION, DEPARTMENT OF REVENUE INHERITANCE TAX RETURN PARTNERSHIP OR RESIDENT DECEDENT SOLE-PROPRIETORSHIP ESTATE OF FILE NUMBER Max D Marbain 21130994 Schedule C-1 or C-2 (including all supporting information) must be attached for each closely-held corporation/partnership interest of the decedent, other than a sole-proprietorship. See instructions for the supporting information to be submitted for sole-proprietorships. ITEM NUMBER VALUE AT DATE NUMBER DESCRIPTION OF DEATH THE DECEDENT HELD THE FOLLOWING CLOSELY HELD BUSINESS INTERESTS. SCHEDULE C-1 AND C-2 FOR EACH INTEREST, AS WELL AS ALL SUPPORTING DOCUMENTATION IS BEING PROVIDED DIRECTLY TO THE DEPARTMENT OF REVENUE DUE TO ITS CONFIDENTIAL NATURE: 20% limited partnership interest in Stage 3 Winding Hills, LLC, a Pennsylvania partnership 356,436.20 Per valuation of Michael J. Greene, Manager 2 11.7647% limited partnership interest in Upper Allen Investment LLC, a Pennsylvania Partnership 490,530.23 Per valuation from Michael J. Greene, Manager 3 11. 6471% limited partnership interest in Upper Allen Partners, LP, a Pennsylvania partnership 421,046.16 Per valuation of Michael J. Greene, Manager 4 The decedent was the sole member of Marbain Management, LLC, a Pennsylvania corporation. Marbain Management, LLC held a 1% limited partnership interest in Marbain Associates, LTD. 2,539.52 See attached valuation information 5 89% limited partnership interest in Marbain Associates, LTD, a Pennsylvania partnership 226,017.05 See attached valuation information TOTAL(Also enter on line 3,Recapitulation) $ 1,496,569.16 2w4697 2.000 (If more space is needed,insert additional sheets of the same size) REV-1508 EX-(08-12) pennsylvania SCHEDULE E DEPARTMENT OF REVENUE CASH, BANK DEPOSITS& MISC. INHER TANCE r TAX RETURN RESIDENT DECEDENT PERSONAL PROPERTY ESTATE OF: FILE NUMBER: Max D Marbain 2113 0994 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly owned with right of survivorship must be disclosed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. 505 interest in Old Field Partnership, a Pennsylvania partnership 281.04 The decedent owned a 50% interest in this partnership. At the time of his death, there were no assets in the partnership other than an Orrstown Bank Checking Account with a balance of $562.09, therefore we are reporting the decedent's interest in the partnership at $280.04 (50% of the only partnership asset) See copy of Orrstown Bank letter attached for date of death account information. The following accounts were held with Orrstown Bank; See attached bank letter: 2 Orrstown Bank Business Money Market Account No. 111800036 4,414.27 Interest accrued to 9/9/2013 0.12 3 Orrstown Bank Regular Business Checking Account No. 111900087 300.32 4 Orrstown Bank Free Business Checking Account No. 111900321 5,210. 91 TOTAL(Also enter on line 5,Recapitulation) $ 10,206. 66 2W46AD 2.000 If more space is needed,use additional sheets of paper of the same size. REV-1509 EX+(01-10) pennsylvania SCHEDULE F DEPARTMENT OF REVENUE INHERITANCE TAX RETURN JOINTLY-OWNED PROPERTY RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Max D Marbain 21 13 0994 If an asset became jointly owned within one year of the decedent's date of death,it must be reported on Schedule G. SURVIVING JOINTTENANT(S)NAME(S) ADDRESS RELATIONSHIP TO DECEDENT A Marbain, Jessica L 2933 Arcona Road, Mechanicsburg, PA 17055 Surviving Spouse JOINTLY OWNED PROPERTY: LETTER DATE DESCRIPTION OF PROPERTY %OF DATE OF DEATH FOR JOINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR DATE OF DEATH DECEDENT'S VALUE OF NUMBER TENANT JOINT IDENTIFYING NUMBER.ATTACH DEED FOR JOINTLY HELD REAL ESTATE. VALUEOFASSET INTEREST DECEDENT'S INTEREST 1 A 6/6/2012 PNC Bank Checking Account No. 5070115834 65,257.57 50.0000 32,628.78 The account was held jointly between decedent, Jessica Marbain, and Mary Ann Klemintik. Mary Ann Klemintik disclaimed her interest in the joint account, whereby the account passes solely to Jessica Marbain. TOTAL (Also enter on Line 6, Recapitulation) $ 32,628.78 9w46AE 2.000 If more space is needed, use additional sheets of paper of the same size. REV-1510EX+(08_09) SCHEDULE G pennsylvania DEPARTMENT OFREVENUE INTER-VIVOS TRANSFERS AND INHERRESIDENT DECEDENT URN MISC. NON-PROBATE PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER Max D Marbain 21 13 0994 This schedule must be completed and filed if the answer to any of questions 1 through 4 on page three of the REV-1500 is yes. DESCRIPTION OF PROPERTY ITEM INCLLDEItE WMEOFTrETRANSFEREE,TfiERRELATlONSHPTODECEDENTAND DATE OF DEATH %OFDECD'S EXCLUSION TAXABLE NUMBE TFEDATE OFTRA$FER.ATTACH ACOPY OFTHE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST IFAPPUCABLE VALUE 1. Merrill Lynch SEP Retirement Account No. 41G-80043 1,433,608,98 100.0000 0.00 1,433,608.98 The beneficiary of account is Jessica L. Marbain; See attached valuation information 2 Marbain Associates 401k Plan 113,670.52 100.0000 0.00 113,670.52 Beneficiary: Jessica Marbain The amount reported were the proceeds Mrs. Marbain received from the plan, which included the decedent's required distribution I TOTAL(Also enter on line 7,Recapitulation)$ 1,547,279.50 If more space is needed,use additional sheets of paper of the same size. 9W46AF 2.000 REV-1511 EX,(10-09) SCHEDULE H pennsylvania DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERITANCE TAX RETURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER Max D Marbain 21 13 0994 Decedent's debts must be reported on Schedule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1 Jessica Marbain Reimbursement for expenses incurred for funeral services/memorial at decedent's residence including Total from continuation schedules . . . . . . . . . 14,993.07 B. ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s)of Personal Representative(s) Street Address City State ZIP Year(s)Commission Paid: 2. Attorney Fees: McNees Wallace & Nurick LLC (estimated) 75,000.00 3. Family Exemption:(If decedent's address is not the same as claimant's,attach explanation.) 3,500.00 Claimant Jessica Marbain Street Address 2933 Arcona Road City Mechanicsburg State PA ZIP 17055 Relationship of Claimant to Decedent SPOUSE 4. Probate Fees: 4,408.50 5. Accountant Fees: 6. Tax Return Preparer Fees: 7. 1 Cumberland Law Journal Legal Advertising 75.00 2 Journal Publications Legal Advertising 167.00 Total from continuation schedules . . . . . . . . . 77,906.12 TOTAL(Also enter on Line 9,Recapitulation) $ 176,049.69_ 9w46Ac 2.000 If more space is needed, use additional sheets of paper of the same size. Estate of: Max D Marbain 21 13 0994 Schedule H Part 1 (Page 2) Item No. Description Amount 1 food and beverages, services, color guard, bagpiper, etc. 7,382.07 2 Myers Buhrig Funeral Home Funeral Services 7,611.00 Total (Carry forward to main schedule) 14,993.07 Estate of: Max D Marbain 21 13 0994 Schedule H Part 7 (Page 2) 3 Kurt A. Eby Real Estate Appraisal of 2933 Arcona Road property 350.00 4 McNees Wallace & Nurick LLC Reserve for closing costs re duplicating, postage, etc. 250.00 5 McNees Wallace & Nurick LLC Costs Advanced as follows: Duplicating $ 89.45 Toll Calls . 60 Courier Service 7.06 Postage 14.51 Local Courier 2.00 113.62 6 Sale of 40 Thistle Drive; Selling Expenses as follows: Commissions $16,553.75 Misc. Fees 101.00 Transfer Tax 3,310.75 See attached copy of settlement statement 19,965.50 7 Sale of 73 Keswick Drive; Selling Expenses as follows: Commissions $8,500 Misc. Fees 146 Transfer Tax 1,700 Home Warranty 320 Radon Mitigation 750 See attached copy of settlement statement 11,416.00 8 Sale of 50 Thistle Drive; Selling Expenses as follows: Commissions $13,000 Misc. Fee ill Transfer Tax 2,600 See attached copy of settlement statement 15,711.00 Total (Carry forward to main schedule) 47,806.12 Estate of: Max D Marbain 21 13 0994 Schedule H Part 7 (Page 3) 9 Sale of 39 Keswick Drive; Selling Expenses as follows: Commissions $11,425.00 Misc. Fees 126.00 Transfer Tax 2,285.00 See attached copy of settlement statement 13,836.00 10 Sale of 33 Keswick Drive - Selling Expenses as follows: Commissions $ 13,000 Misc. Fees 144 Transfer Taxes 2,600 Home Warranty 520 See attached copy of settlement statement 16,264.00 Total (Carry forward to main schedule) 30,100.00 REV-1512 EX+(12-12) SCHEDULE pennsylvania DEPARTMENT OF REVENUE DEBTS OF DECEDENT, INHERITANCE TAX RETURN MORTGAGE LIABILITIES & LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER Max D Marbain 21 13 0994 Report debts incurred by the decedent prior to death that remained unpaid at the date of death,including unreimbursed medical expenses. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1' Jessica Marbain Demand note for $120,000 dated April 8, 1992 at a 9% per annum rate of interest; Note remained unpaid during decedent's lifetime. Amount reported is $120,000 plus the interest compounded annually due on the note from April 8, 1992 to the decedent's death 761,800.25 2 Jessica Marbain Demand Note dated April 20, 1995 for $52,500 with interest of 9% per year. The amount reported is $52,500 plus the interest compounded annually due on note from April 20, 1995 to the decedent's death. 256,598. 90 3 Jessica Marbain Funds of $75,000 advanced to decedent on May 10, 1995; Amount outstanding at death and due Jessica Marbain is $287,330.02 (original $75,000 plus interest compounded per annum of 7.52%, the long term AFR rate in effect in May 1995) . 248,543.55 Total from continuation schedules . . . . . . . . . 3,379,590.79 TOTAL(Also enter on Line 10,Recapitulation) $ 4,646,533.49 2w46AH 2,000 If more space is needed, insert additional sheets of the same size. Estate of: Max D Marbain 21 13 0994 Schedule I (Page 2) Item No. Description Amount 4 Barbara H. Marbain Ms. Marbain filed a claim against the estate for $10,000. The claim is related to a Nationwide life insurance policy on the decedent ' s life. Pursuant to a post nupital agreement between the decedent and Barbara Marbain, the decedent was to maintain the Nationwide policy during Barbara's lifetime and to have Barbara designated as the beneficiary. The beneficiary designation in effect at the decedent's death was to the decedent's current spouse, Jessica Marbain, to whom Nationwide paid the insurance proceeds to. The amount of the claim is the face amount of the policy, which was $10,000. 10,000.00 5 M&T Bank Loan Account No. 00-0020397-5 (Obligation Number 000-0030-310) ; Loan was a construction loan for the Evergreen II development 1,000,217.00 See attached account statement showing outstanding loan balance as of decedent's death 6 889,969.79 Par MST Bank Loan Account No. 00-0019889-9 (Obligation Number 000-0030-460) . Loan was for the Bridges development. 889,969.79 See attached account statement showing outstanding loan balance as of decedent's death 7 Susquehanna Bank Loan No. 601179; The loan was on the Greenfield rental units owned by the decedent and reported on Schedule A, Item 1 551,269.24 The loan was in the joint names of decedent and his spouse, Jessica Marbain, however the loan was on real estate owned individually by the decedent, therefore the estate is deducting 100% of the outstanding loan balance. Total (Carry forward to main schedule) 2,451,456.03 Estate of: Max D Marbain 21 13 0994 Schedule I (Page 3) Item No. Description Amount THE FOLLOWING LOANS WERE HELD WITH ORRSTOWN BANK AT THE TIME OF DECEDENT'S DEATH. THE LOANS WERE ON THE REAL ESTATE OWNED INDIVIDUALLY BY THE DECEDENT AND REPORTED ON SCHEDULE A, ITEM 1 (GREENFIELD RENTAL PROPERTIES) ; THEREFORE THE ESTATE IS DEDUCTING 100% OF THE OUTSTANDING LOAN BALANCE; SEE ATTACHED BANK LETTER FOR LOAN INFORMATION: 8 Commerical Loan No. 1332826001 140,870. 95 9 Commerical Loan No. 132826002 151,378.76 10 Commerical Loan No. 1332826003 151,378.76 11 Commerical Loan No. 1332826004 158,892.49 12 Commerical Loan No. 1332826005 158,892.48 13 Commerical Loan No. 1332826006 166,721.32 Total (Carry forward to main schedule) 928,134.76 REV-1513 EX+(01-10) SCHEDULE J pennsylvania DEPARTMENT OF REVENUE BENEFICIARIES INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF: FILE NUMBER: Max D Marbain 21 13 0994 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S)RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE TAXABLE DISTRIBUTIONS[Include outright spousal distributions and transfers under Sec. 9116(a)(1.2).] 1. Jessica L. Marbain 2933 Arcona Road Mechanicsburg, PA 17055 SEP IRA - $1,433,608. 98 Marbain 401k - $113,670.52 PNC Joint Account - $32,628.78 Surviving .Spouse 1,579,908.28 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET,AS APPROPRIATE. I[ NON-TAXABLE DISTRIBUTIONS A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. See Attached 1 B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. TOTAL OF PART II-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $ 4,490,396. 64 9W46AI 2.000 If more space is needed, use additional sheets of paper of the same size. Estate of: Max D Marbain 21 13 0994 Schedule J Part 2A (Page 1) Item No. Description Amount 1 Max Marbain Residuary Unified Credit Trust; 100% of residue; See attached calculation 4,490,396.64 ESTATE OF MAX D. MARBAIN PA INHERITANCE TAX - RESIDUE CALCULATION Real Estate 7,806,204.00 Closely Held Business Interests 1,496,569.16 Cash, Bank Accounts 10,206.66 Total Assets 9,312,979.82 LESS: Funeral/Administrative Expenses 176,049.69 Debts/Liabilities 4,646,533.49 Estate Residue Available 4,490,396.64 REV-1649 EX+(01-14) :a ;;>" pennsylvania SCHEDULE O DEPARTMENT OF REVENUE DEFERRAL/ELECTION OF INHERITANCE TAX RETURN RESIDENT DECEDENT SPOUSAL TRUSTS ESTATE OF FILE NUMBER Max D. Marbain 21-13-0994 ® PART A - DEFERRING STATEMENT For all trust assets reportable for Pennsylvania inheritance tax purposes for which a deferral of tax is chosen, the personal representative responsible for filing the return and the trustee(s) of the trust in question hereby acknowledge the department's Statement of Policy set forth at 61 Pa. Code § 94.3 concerning any potential termination of the trust under 20 Pa.C.S. § 7710.1 that occurs after the return was filed. ❑ PART B — ELECTION TO TAX AMOUNTS Complete this section only if making the election to tax the sole use trust. If the election applies to more than one trust or similar arrangement, a separate form must be filed for each trust. This election applies to the Trust (marital, residual A, B, bypass, unified credit, etc.). Enter the description and value of all interests for which the election is made. DESCRIPTION VALUE Total 0.00 If more space is needed, insert additional sheets of the same size, J ESTATE OF MAX D . MARBAIN NO . 21 - 13 -0994 COPY OF SHORT CERTIFICATE AND WILL DATED APRIL 16 , 2013 COMMONWEALTH OF PENNSYLVANIA SHORT CERTIFICATE COUNTY OF CUMBERLAND I, GLENDA FARNER S7RASBAUGH Register for the Probate of wills and Granting Letters of Administration in and for C'UMPPRLAND County, do hereby certify that on the 36th day of September, Two Thousand and 0 Thirteen, Lett ars TESTAMENTARY in comion form were granted by the Register ofe said County, on the estate of MAX D MARBAIN late of UPPERALLEN TOWNSHIP !Fust.hOddi"i a$0 a/k/a MAX DAVID MARBA IN in said county, deceased, to JESSICA L MARBAIN fAnt,hfiddfe,Lou) and that same has not since :been revoked. IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed the seal of said office at CARLISLE, PENNSYLVANIA, this 16th day of September Two Thousand and Thirteen. F1 e No. 2013- 00994 PA File No. 21- 13- 0994 Date of Dea th 9/09/2013 S.S. # pu NOT VALID wITR()tfV ORIGINAL SIGNATURE AND IMPRESSED SRAL 90/Z0 39dd NIVENVW ZZZ999LZU LE:iL EIOZ/EZ/60 COPY LAST WILL AND TESTAMENT OF MAX D. MARBAIN I, MAX D. MARBAIN, of Cumberland County, Pennsylvania, make this Will, hereby revoking all my former Wills and Codicils. ARTICLE ONE TANGIBLE PERSONAL PROPERTY §1.1. I acknowledge that all of the household furniture and furnishings, paintings, books and similar tangible personal property contained in our residence is the sole property of My Wife or her estate. §1.2. 1 bequeath all my tangible personal property, including by way of illustration but not by way of limitation, my jewelry and personal effects, exclusive of any such property used in a trade or business, to my wife, JESSICA L. MARBAIN ("My Wife") if she survives me, and if she does not survive me, in accordance with the terms of a signed and dated memorandum I may prepare. If no such memorandum is received or located by my Executor within sixty (60) days after being appointed as such, after a reasonable search for such memorandum, my Executor shall be held harmless for distributing such assets as hereafter provided. §1.3. 1 bequeath any such property not disposed of by such memorandum or all of such property if no such memorandum is so located or received, to my wife's daughter, TRACEY GROVE WEISS, is she is living at my death. In the event TRACEY does not . survive me, all such property shall be sold and the proceeds shall pass as a part of my residuary estate. §1.4. To the extent practicable in the Executor's sole discretion, I bequeath any policies of insurance on such property to the beneficiary entitled to such property. §1.5. 1 direct that the expenses of storing, packing, shipping, insuring and delivering any such property to the beneficiary entitled thereto shall be paid by the Executor as an administrative expense of my estate. ARTICLE TWO MARITAL TRUST §2.1. If My Wife survives me, I devise and bequeath to my Trustee herein named, an amount equal to the value of my probate estate (determined on the basis of the values finally determined for federal estate tax purposes), other than property passing under the foregoing provisions of this Will, reduced by an amount, if any, needed to increase my taxable estate so that the federal estate tax as finally determined, after taking into consideration my adjusted taxable gifts, will equal my unified credit (the applicable credit amount), the credit for property previously taxed and the state death tax credit (if then in effect and to the extent that the use of said credit does not result in an increase in the state death taxes otherwise payable) available against such tax, assuming that an election were made to qualify all qualified terminable interest property, other than the trust provided for under Article Three of this Will, for the federal estate tax marital deduction whether or not such election is actually made. This trust, to be known as the Marital Trust, may be composed of cash, of property in kind or partly of cash and partly of property in kind, and shall be funded only with property which qualifies for the federal estate tax marital deduction 2 in my estate, valued at the date of distribution, and which, to the extent other property is available, shall not include property for which a foreign death tax credit is available. The Marital Trust shall be administered and distributed in accordance with the following provisions of this Article Two: -§2.1.1.The Trustee shall hold, manage, invest and reinvest the 'trust property, shall collect the income thereof and shall distribute the net income in quarter-annual installments, or more frequently if the Trustee deems it advisable, to or for the benefit of My Wife. §2.1.2.During any calendar year, the Trustee shall distribute to My Wife such amounts from the principal of the trust property as My Wife from time to time shall request, but not in excess of the greater of Five Thousand Dollars ($5,000.00) or five percent (5%) of the aggregate value of the trust property as determined on the date of the first request in each calendar year for such distribution, which right of withdrawal shall not be cumulative from year to year. Said right of withdrawal shall be exercisable only by a written instrument executed by My Wife and delivered to the Trustee. §2.1.3.The Trustee may also distribute to or for the benefit of My Wife so much of the principal of the trust property as the Trustee shall from time to time deem necessary or proper for My Wife's health, maintenance and support, taking into account other available funds, including My Wife's individual assets. §2.1.4.Upon the death of My Wife: §2.1.4.1.The Trustee shall pay any accrued or undistributed net income to My Wife's personal representative and shall also pay to My Wife's personal representative or directly to the taxing authority, from the principal of the trust property, the additional.amount of estate taxes, inheritances taxes, transfer taxes and other taxes of a similar nature, and all interest and penalties with respect to any such taxes, attributable to the inclusion of the value of this trust in My Wife's estate for such tax purposes; and §2.1.4.2.The Trustee shall then distribute the balance of the trust property in accordance with the provisions of Article Four hereof. 3 ARTICLE THREE RESIDUARY UNIFIED CREDIT TRUST §3.1. If My Wife survives me, I devise and bequeath to my Trustee, herein named, all of the rest, residue and remainder of my estate to be held for the benefit of My Wife in trust, in accordance with the following provisions of this Article Three: §3.1.1.The Trustee shall hold, manage, invest and reinvest the trust property, shall collect the income thereof and, during the life of My Wife, the Trustee shall distribute the net income in quarter-annual installments, or more frequently if the Trustee deems it advisable, to or for the benefit of My Wife. §3.1.2.The Trustee may also distribute to or for the benefit of My Wife, so much of the principal of the trust property as the Trustee shall from time to time deem necessary or proper to adequately provide for My Wife's health, maintenance and support, taking into account other available funds, including My Wife's assets; provided, however, no such distribution shall be made until all assets held in the trust created by Article Two of this Will are first expended or exhausted. §3.1.3.Upon the death of My Wife, the Trustee shall distribute the balance of the trust property in accordance with the provisions of Article Four hereof. ARTICLE FOUR UPON THE DEATH OF THE SURVIVOR OF MY WIFE AND ME §4.1. Upon my death, if My Wife does not survive me or to the extent My Wife is deemed to have predeceased me as a result of a valid disclaimer, or if My Wife survives me, then upon My Wife's death, all assets not otherwise disposed of by this Will or to be distributed in accordance with this Article Four shall be distributed as follows: §4.1.1.Seventy (70%) percent thereof shall be distributed to My Wife's daughter, TRACEY GROVE WEISS ("Tracey"), or if she is not then living, to her then living issue, per stirpes, subject to being held in trust in accordance with the provisions of Article Five hereof. If neither Tracey nor any of her issue is then living, such share shall be distributed among §§4.1.2 and 4.1.3 hereof, pro rata in accordance with the interests set forth therein. 4 §4.1.2.Fifteen (15%) percent to my son, DAVID D. MARBAIN ("David"), or if he is not then living, to his then living issue, per stirpes, subject to being held in trust in accordance with the provisions of Article Five hereof. If neither David nor any of his issue is then living, such share shall be distributed among §§4.1.1 and 4.1.3 hereof, pro rata in accordance with the interests set forth therein. §4.1.3.Fifteen (15%) percent to my daughter, DANA A. DEJARNETT ("Dana"), or if she is not then living, to her then living issue, per stirpes, subject to being held in trust in accordance with the provisions of Article Five hereof. If neither Dana nor any of her issue is then living, such share shall be distributed among §§4.1.1 and 4.1.2 hereof, pro rata in accordance with the interests set forth therein. ARTICLE FIVE ISSUE'S TRUST §5.1. The Trustee shall hold, manage, invest and reinvest the trust property,. shall collect the income thereof and §5.1.1. While the beneficiary of the trust (the "Beneficiary") is under twenty-one (21) years of age, the Trustee shall apply to or for the benefit of the Beneficiary so much of the net income and, if the net income is insufficient, so much of the principal of the trust property as the Trustee shall from time to time deem necessary or proper for the Beneficiary's health, maintenance, support and complete education. The Trustee shall annually accumulate any net income not so distributed and add the same to the principal of the trust property. §5.1.2. After the Beneficiary attains twenty-one (21) years of age, the Trustee shall continue to hold, manage,.invest and reinvest the trust property, shall collect the income thereof and shall distribute the net income in quarter-annual installments, or more frequently if the Trustee deems it advisable, to or for the benefit of the Beneficiary. §5.1.3. In addition to the foregoing, after the Beneficiary attains twenty-one (21) years of age, the Trustee may distribute to or for the benefit of the Beneficiary so much of the principal of the trust property as the Trustee shall from time to time deem necessary or proper for such Beneficiary's health, maintenance, support and complete education, including college and graduate education, and professional, vocational or technical training, taking into account other available funds, including the Beneficiary's assets. §5.1.4. At any time after the Beneficiary attains thirty-five (35) years of age and prior to attaining forty (40) years of age, the Beneficiary may 5 withdraw such sums as do not exceed one-half (1/2) of the market value of the principal of his or her trust as constituted on his or her thirty-fifth (35th) birthday, or if his or her trust is established on or after his or her thirty-fifth (35th) birthday, such sums as do not exceed one-half (1/2) of the market value of the principal of his or her trust as constituted on the establishment thereof. §5.1.5. At any time after the beneficiary attains forty (40) years of age, the Beneficiary may withdraw any or all of the principal of his or her trust. §5.1.6. If the Beneficiary dies before the complete termination of his or her trust, the Trustee shall distribute the property then held in trust for the Beneficiary to the Beneficiary's issue then living, per stirpes, or if none, in accordance with the provisions of Article Four as then applied, and, in all circumstances, with any share allocable to a beneficiary then under forty (40) years of age being held in continued trust for the benefit of such beneficiary in accordance with the provisions of this Article Five. ARTICLE SIX APPOINTMENT OF FIDUCIARIES §6.1. I appoint My Wife, JESSICA L. MARBAIN, as Executrix of this Will. If she should be unable or unwilling to act or continue to act, for any reason whatsoever, I appoint My Wife's daughter, TRACEY GROVE WEISS, as successor Executrix, and if she should be unable or unwilling to act or continue to act, for any reason whatsoever, I appoint JAN WEISS, of Lebanon, Pennsylvania, as successor Executrix. All references herein to the "Executor" shall mean my original Executrix or my successor.Executrix, as the case may be. §6.2. 1 appoint My Wife, JESSICA L. MARBAIN, and TRACEY GROVE WEISS as Co-Trustees of any trust created by this Will. If My Wife should be unwilling or unable to act or continue to act, for any reason whatsoever, Tracey shall act as sole Trustee. If Tracey should be unwilling or unable to act or continue to act as either Trustee or sole Trustee, for any reason whatsoever, JAN WEISS of Lebanon, Pennsylvania, shall serve as successor Trustee or sole Trustee, as the case may be. 6 §6.3. Except for references to the "corporate" Trustee, all references herein to the Trustee shall mean my then serving Co-Trustees or my sole Trustee, as the case may be. §6.4. The "Protector" of each trust under this Will shall be the Management Committee of McNees Wallace & Nurick LLC, or successor organization. The Protector shall be subject to the following provisions: §6.4.1.The Protector may appoint one or more persons to be successor Protector to take office upon the death, resignation, or incapacity of the Protector or any person serving as Protector. §6.4.2.The Protector shall have the right to appoint an individual or corporation with fiduciary powers as successor Trustee or whenever the office of Trustee of a trust becomes vacant. §6.4.3.Any person serving as Protector may resign. §6.4.4.The Protector's authority hereunder is conferred in a fiduciary capacity and shall be so exercised, but the Protector shall not be liable for any action taken in good faith. §6.4.5.No discretionary distribution shall be made from any trust that would discharge or substitute for a legal obligation of any person serving as Protector even if such a distribution would otherwise be authorized under the terms of the trust. §6.4.6.The Protector may release the Protector's power to remove a particular Trustee and.such release may be limited to the releasing Protector or made binding upon any successor Protector. §6.5. 1 appoint the Trustee then serving hereunder as Guardian of the estates of any minor beneficiaries under this Will, including the proceeds of any life insurance on my life payable to such minors and any other property, rights or claims with respect to which I am entitled to appoint'a guardian and have not otherwise specifically done so. The Guardian shall have full authority to use such assets, both principal and income, in any manner the Guardian shall deem advisable for the best interests of the minor, including 7 College and graduate education, and professional, vocational or technical training, without securing a court order. ARTICLE SEVEN POWERS OF FIDUCIARIES §7.1. No fiduciary under this Will shall be required to give bond or other security for the faithful performance of the fiduciary's duties. §7.2. Any such fiduciary shall have, without restriction or qualification, all powers given by law, including without limitation those under the Pennsylvania Probate, Estates and Fiduciaries Code, and in addition the following powers: §7.2.1.To invest in, accept and retain any real or personal property, including stock of a corporate fiduciary or its holding company, without restriction to legal investments; provided, however, if any property that forms a part of the principal of the trust established by Article Two of this Will is unproductive, My Wife may at any time and from time to time by a written notice require the Trustee of said trust either to make any or all of such property productive or to convert such property within a reasonable time after the Trustee receives such notice. §7.2.2.To sell, exchange, partition or lease for any period of time any real or personal property and to give options therefor for cash or credit, with or without security; §7.2.3.To borrow money from any person, including any fiduciary acting hereunder, and to mortgage or pledge any real or personal property; §7.2.4.To hold shares of stock or other securities in nominee registration form, including that of a clearing corporation or depository, or in book entry form or unregistered or in such other form as will pass by delivery; §7.2.5.To engage in litigation and compromise, arbitrate or abandon claims; §7.2.6.To determine the apportionment of receipts and expenses, including extraordinary cash dividends, stock dividends, capital-gain dividends of regulated investment companies and proceeds and expenses of the sale of unproductive real estate, between income and principal, such 8 apportionment to be made so as to balance fairly the interests of any income beneficiary and the remaindermen; §7.2.7.To make distributions in cash, or in kind at current values, or partly in each, allocating specific assets to particular distributees on a non-pro rata basis, and for such purposes to make reasonable determinations of current values; §7.2.8.To make elections, decisions, concessions and settlements in connection with all income, estate, inheritance, gift or other tax returns and the payment of such taxes, without obligation to adjust the distributive share of income or principal of any person affected thereby; §7.2.9.To join with My Wife or My Wife's personal representative in the filing of a joint income tax return for any period for which such a return may be permitted, without requiring My Wife or My Wife's estate to indemnify my estate against liability for the tax attributable to her income, and to consent, for federal gift tax purposes, to having gifts made by My Wife during my lifetime treated as having been made half by me. §7.2.10. To disclaim any interest I may have in any estate if the Executor deems such disclaimer to be in the best interests of my estate and the beneficiaries thereof; §7.2.11. Following the death of My Wife, to terminate any trust created herein, the principal of which is or becomes too small in the Trustee's discretion to make the establishment or continuance of the trust advisable, and to make immediate distribution of the then remaining trust property to the beneficiary then entitled to the income of the trust property or, if there is more than one beneficiary, to the beneficiaries then entitled to the income of the trust property in proportion to their respective interests therein or, if such interests are not defined, in equal shares to such beneficiaries; provided, however, no Trustee shall participate in any decision to terminate such trust if by reason of such termination such trustee could receive a distribution of trust property from such trust as aforesaid. The receipts and releases of the distributee(s) will terminate absolutely the right of all persons who might otherwise have a future interest in the trust, whether vested or contingent, without notice to them and without the necessity of filing an account in any court. §7.2.12. To merge, after the death of My Wife, any trust created hereunder with any other trust or trusts created by me or My Wife under will or deed, if the terms of any such trust are then substantially similar and held for the primary benefit of the same person or persons, and if such merger 9 shall not cause any adverse income, estate or generation skipping transfer tax consequence. §7.2.13. To allocate, in the Executor's sole and absolute discretion, any portion of my exemption under Section 2631(a) of the Internal Revenue Code ("My GST Exemption"), to any property as to which I am the transferor, including any property transferred by me during my lifetime as to which I did not make an allocation prior to my death. Similarly, My Wife's executor may allocate a portion or all of My Wife's exemption ("My Wife's GST Exemption") from generation skipping transfer tax to property held hereunder of which My Wife is deemed transferor. Any such election or allocation shall be binding upon the Trustee and any beneficiary of any trust created hereunder. The Trustee is directed to divide any trust created under this Will into two (2) or more separate trusts, if necessary, to segregate the portion or portions of the trust or trusts created hereunder over which My GST Exemption or My Wife's GST Exemption has been allocated (the "GST Exempt Trusts") from the portion or portions of the trust or trusts created hereunder over which neither My GST Exemption nor My Wife's GST Exemption has been allocated (the "Non-GST Exempt Trusts"); provided, however, that any such separated trusts shall be held, administered and disposed of in accordance with the terms hereunder as identical trusts in all other respects. §7.2.14. To file the appropriate election in accordance with Section 2056(b)(7)(B)(v) of the Internal Revenue Code to designate whatever portion of the trust established in Article Two of this Will that the Executor, in the Executor's sole discretion, determines should qualify for the marital deduction. In making this determination, the Executor is directed to consider the present and projected financial requirements of My Wife, the expected period of survivorship of My Wife and the assets that have passed to My Wife other than under the provisions of this Will. If the Executor does not make an election pursuant to Internal Revenue Code Section 2056(b)(7)(B)(v) with respect to all of the assets held in trust under Article Two hereof, the respective trust estates thereunder may be divided into separate trusts pursuant to the terms of the election and such division shall be based upon the fair market value of the assets comprising the respective trusts at the time of the division. §7.2.15. To make any election available under the tax laws, including the power to make an election to qualify any trust created hereunder as a Qualified Subchapter S Trust ("QSST") or an Electing Small Business Trust ("ESBT"). §7.2.16. With respect to any trust hereunder that holds shares of stock in any S corporation, as defined by § 1361 of the Internal Revenue Code ("S 10 Corporation stock"), to segregate such S Corporation stock from the other assets of any such S Corporation trust, to hold such stock in a separate trust under similar terms and conditions, and to take such actions and make such elections as may be reasonable necessary to qualify any such separate trust as a permitted S Corporation shareholder under § 1361(c)(2) of the Internal Revenue Code. ARTICLE EIGHT PROVISION FOR TAXES §8.1. All estate taxes, inheritance taxes, transfer taxes and other taxes of a similar nature payable by reason of my death to any government or subdivision thereof upon or with respect to any property subject to any such tax (solely for the purposes of this Article Eight, "Death Taxes"), and any penalties thereon, shall be paid by the Executor as follows: (a) if My Wife survives me, all such Death Taxes and penalties shall be paid out of the principal of the property, if any, disclaimed by My Wife and, if none or to the extent such disclaimed property is insufficient, from the principal of that portion of my estate disposed of by Article Three of this Will; and (b) if My Wife does not survive me, all such Death Taxes and penalties shall be paid from the principal of that portion of my estate disposed of by Article Four of this Will. All interest with respect to any such Death Taxes and penalties shall be paid by the Executor out of the income or principal or partly out of the income and partly out of the principal of such portion of my estate, in the absolute discretion of the Executor. My Executor shall not make apportionment among or seek reimbursement from the beneficiaries, recipients or owners of such property for any such Death Taxes, penalties or interest. Notwithstanding any provision of this Article Eight to the contrary, the Executor shall not pay any such Death Taxes, penalties or interest attributable to any property included in my estate solely because of a power of appointment thereover that I possess but have not exercised or any qualified terminable interest property. 11 ARTICLE NINE PROVISION FOR DEBTS AND EXPENSES §9.1. 1 direct that any of my legally enforceable debts, any expenses of my last illness, funeral and burial, and any of the administrative expenses of my estate (solely for the purpose of this Article Nine, "Debts and Expenses"), shall be paid as follows: (a) if My Wife survives me, all such Debts and Expenses shall be paid out of the principal of the property, if any, disclaimed by My Wife and, if none or to the extent such disclaimed property is insufficient, from the principal of that portion of my estate disposed of by Article Three of this Will; and (b) if My Wife does not survive me, all such Debts and Expenses shall be paid from the principal of that portion of my estate disposed of by Article Four of this Will. ARTICLE TEN BUSINESS INTERESTS §10.1. In the event any business interests should be an asset of my estate, whether the same involves a proprietary interest, a partnership interest or stock in a closely held corporation, or limited liability company, whether wholly owned, controlled by me or owned in substantial part by me, I authorize the Executor and Trustee, as the case may be (hereinafter referred to as the fiduciaries), subject to the terms of any agreement I may have made for the sale of my interests, to continue said business until such time as the fiduciaries shall deem it advisable to sell, to liquidate or to distribute the same in kind. With respect to any sale or exchange of the stock of any such business interest and in the absence of any such agreement entered into by me prior to my death, I direct the fiduciaries to consider and to determine the appropriateness of a sale or redemption of such stock in 12 accordance with Section 303 of the Internal Revenue Code to the business entity and a possible deferral of federal estate tax payments under Section 6166 of the Internal Revenue Code. It is my desire that to the extent possible any business interest which I may own at the time of my death be continued or disposed of only in an orderly manner so as to maximize the proceeds of any disposition. If an election under the foregoing provisions will effect such desire, the fiduciaries are encouraged to pursue such election if the fiduciaries deem such election also to be in the best interests of my estate and the beneficiaries thereof. The fiduciaries shall have all rights and powers in connection with such business as I had when living, including specifically the power at any time and from time to time to operate or to join in the operation of the same as a going concern, to form or to reform a general or limited partnership, to incorporate or to reincorporate and to liquidate or to sell the same or any part thereof as the fiduciaries deem it advisable for the best interests of my estate and of the beneficiaries thereof without the necessity of any order of court and without any liability for loss resulting from the operation of said business except when such loss is the result of gross negligence or fraud on the part of the fiduciaries. ARTICLE ELEVEN MISCELLANEOUS PROVISIONS §11.1. As used in this Will, the term "Internal Revenue Code" shall mean the Internal Revenue Code of 1986, as'amended from time to time, or the corresponding provision of subsequent law. §11.2. If My Wife and I die under such circumstances that it is impossible to determine which of us survived, it shall be conclusively presumed and this Will shall be construed as if My Wife had survived me. If any person, other than My Wife, and I die 13 under such circumstances that it is impossible to determine which of us survived, it shall be conclusively presumed and this Will shall be construed as if such person had predeceased me. §11.3. Whenever a discretionary distribution of net income or principal is permitted pursuant to any trust created by this Will, if such distribution may be made in whole or in part to a person who is then a Trustee of such trust, such person may not participate in any way in the decision whether to make such distribution. No Trustee who is under a legal obligation to support a beneficiary of a trust created hereunder shall participate in the exercise of any discretion granted to the Trustee of that trust to distribute net income or principal in discharge of that legal obligation. Furthermore, no Trustee shall enter into any reciprocal arrangement with any other trustee for the purpose of indirectly exercising a power prohibited hereunder. §11.4. Whenever a fiduciary is directed to distribute property to or for the benefit of any beneficiary who is under (a) twenty-five (25) years of age, or (b) a legal disability or otherwise suffers from an illness or mental or physical disability that would make distribution directly to such beneficiary inappropriate (as determined in such fiduciary's sole discretion exercised in good faith), the fiduciary may distribute such property to the person who has custody of such beneficiary, may apply such property for the benefit of such beneficiary, may distribute such property to a custodian for such beneficiary, whether then serving or selected and appointed by the fiduciary (including the fiduciary), under any applicable Uniform Transfers to Minors Act or Uniform Gifts to Minors Act to be held until such beneficiary reaches twenty-five (25) years of age, may distribute such property to the guardian of such beneficiary's estate, may distribute such property directly to such 14 beneficiary's estate, or may distribute such property directly to such beneficiary (except if any of the conditions hereinbefore described in (b) apply), without liability on the part of the fiduciary to see to the application of such property. This provision shall not in any way operate to suspend such beneficiary's absolute ownership of such property or to prevent the absolute vesting thereof in such beneficiary. §11.5. Except as otherwise may be provided in this Will, during the continuance of any of the trusts created under the provisions of this Will, and thereafter until the property is distributed to and received by any beneficiary hereunder, the principal sums thus held in trust for any beneficiary, respectively, and the income thereof shall not be subject to or liable for any contracts, debts, engagements; liabilities or torts of such beneficiary now or hereafter made, contracted, incurred or committed, but shall be absolutely free from the same, and such beneficiary shall have no power to sell, assign or encumber all or any part of the principal sums or such beneficiary's interest therein, respectively, or the income thereof, or to anticipate the income. §11.6. A corporate fiduciary shall be entitled to receive compensation for its services hereunder in accordance with its schedule in effect when the services are performed, but not in excess of such compensation as would be approved by a court of competent jurisdiction. An individual fiduciary shall be entitled to receive reasonable compensation for such fiduciary's services hereunder, provided however, any individual fiduciary who is also an attorney and serves as counsel to my estate or any Trust established hereunder shall not take duplicative fees, but rather such charge in any capacity for reasonable and necessary services performed at his or her published hourly rate in effect at the time the services are performed. 15 i §11.7. Notwithstanding any other provision of this Will, but only to the extent that any trust hereunder is subject to the Rule Against Perpetuities under applicable law, upon the expiration of twenty-one (21) years after the death of the last survivor of My Wife and my issue living at my death, the trusts created by this Will shall forthwith terminate and the trust property shall be distributed to the beneficiary then entitled to the income of the trust property or, if there is more than one beneficiary, to the beneficiaries then entitled to the income of the trust property in proportion to their respective interests therein or, if such interests are not defined, in equal shares to such beneficiaries. IN WITNESS WHEREOF, I have hereunto set my hand and seal this 16th day of April, 2013. (SEAL) MAX D. MARBAIN Signed, sealed, published and declared by the above named MAX 0. MARBAIN as and for his last Will, in the presence of us and each of us, who, at his request and in his presence and in the presence of each other, have hereunto subscribed our names as witnesses thereto the day and year last above written. Residing at Residing atc, 16 COMMONWEALTH OF PENNSYLVANIA : Ss. COUNTY OF We, MAX D. MARBAIN, the testator, and i )'J�A tVe witnesses, whose names are signed to the attached or foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the testator signed and executed the instrument as his last Will; that the testator signed willingly and executed it as his free and voluntary act for the purposes therein expressed; that each subscribing witness in the hearing, and sight of the testator signed the Will as a witness and that to the best of his or her knowledge the testator was at that time eighteen (18) years of age or older, of sound mind and under no constraint or undue influence. a46-tC' MAX D. MARBAIN Wiffiess Witness7 Subscribed, sworn to and acknowledged before me by MAX D. MARBAIN, the test or, d subscribed and sworn to before me by &A�Al � Z666D—&1i and witnesses, this 161' day of April, 2013. fz COMMONWEALTH OF PENNSYLVANIA NU Notary'Public NOTARIAL SEAL MARYANN KLEMENTIK,NOTARY PUBLIC MECHANICSBURG BOROUGH,CUMBERLAND COUNTY (SEAL) MY COMMISSION EXPIRES AUGUST 21,2013 17 ESTATE OF MAX D . MARBAIN NO . 21 - 1 3 -0994 GREENFIELD DEVELOPMENT - LIST OF PARCELS AND VALUATION INFORMATION CUMBERLAND COUNTY T/A VALUE x CLR PROPERTY ADDRESS TAX ASSESSED VALUE FACTOR OF .97 9 Eastwick Lane $109,300 $106,021.00 10 Eastwick Lane 110,400 $107,088.00 11 Eastwick Lane 110,400 $107,088.00 12 Eastwick Lane 109,300 $106,021.00 14 Eastwick Lane 98,300 $95,351.00 15 Eastwick Lane 125,000 $121,250.00 16 Eastwick Lane 124,600 $120,862.00 17 Eastwick Lane 98,300 $95,351.00 18 Eastwick Lane 98,300 $95,351.00 19 Eastwick Lane 125,000 $121,250.00 20 Eastwick Lane 124,800 $121,056.00 21 Eastwick Lane 98,300 $95,351.00 22 Eastwick Lane 98,300 $95,351.00 23 Eastwick Lane 125,000 $121,250.00 24 Eastwick Lane 124,600 $120,862.00 25 Eastwick Lane 98,300 $95,351.00 26 Eastwick Lane 135,400 $131,338.00 27 Eastwick Lane 133,600 $129,592.00 28 Eastwick Lane 133,600 $129,592.00 29 Eastwick Lane 135,400 $131,338.00 30 Eastwick Lane 135,400 $131,338.00 31 Eastwick Lane 133,600 $129,592.00 32 Eastwick Lane 133,600 $129,592.00 33 Eastwick Lane 135,400 $131,338.00 34 Eastwick Lane 114,500 $111,065.00 35 Eastwick Lane 135,000 $130,950.00 36 Eastwick Lane 136,000 $131,920.00 37 Eastwick Lane 114,400 $110,968.00 38 Eastwick Lane 119,100 $115,527.00 39 Eastwick Lane 125,100 $121,347.00 40 Eastwick Lane 124,600 $120,862.00 41 Eastwick Lane 119,000 $115,430.00 42 Eastwick Lane 119,000 $115,430.00 43 Eastwick Lane 125,100 $121,347.00 44 Eastwick Lane 124,700 $120,959.00 45 Eastwick Lane 119,000 $115,430.00 46 Eastwick Lane 119,000 $115,430.00 47 Eastwick Lane 125,000 $121,250.00 48 Eastwick Lane 124,600 $120,862.00 $4,557,351.00 *all these parcels are located in Carlisle, South Middleton Township, Cumberland County, Pennsylvania {'A3590486:1} ESTATE OF MAX D . MARBAIN NO . 21 - 13 -0994 COPY - SETTLEMENT STATEMENT - 33 KESWICK DRIVE a .----- $,File Naembe€': 17.Loan Number. 8.McAqage Insurance Case Numbov i 1 t I 2,l RHS 3 C€anu.Uliot- j 4 VA S. CTJ'€SlY IAS, G.Note.This form is furnished to ejvrt yott a statement tat actual settlement oosls.Amounts paid to and o�Me settlement agent are snra, .ttcars5 marked '(p.o.c,)7 were paid outside the dosing;they are shown Caere for informational purpose-,and are not included in tlx:totals. .� .. . .. .. _. .. ........__.___®. _._...._..._._..._......._.. .................. __.,_, i t7,Name$Address of Borrower: j L NaaFe&Addie*s of Seiler: F.Nance Adoi°ess of Leendw � F !BRIAN C. AUCKER IJESSICA'L.fslJiARBAIN&TRACEY G,W CIIiAREAS € JCOJRUSTE'E S OF MAIC D.MARSAIN RESIDUARY I 20 THISTLE DRIVE rUNIFIED CREDIT TRUST; 700 W.MAIN STREETMECHANICSB G.Property Location: _. _...,,.,PA ,1705t3 � z Settlement �R_G ... FA 1 7 �� �L Settlement Date: w lig URREL R WALTERS III 717-697-4r 54 E.MAIN STREET 1812212014 l TAX PAR.NOS.3f a-e1567-389 � iMECHANICSSURG PA 170755 i33 KESWICK DRIVE Place of Settlement~ MECRANIGSBURG ISA 17050 54 E.MAIN STREET � € a MECHANICSBURG PA 17055 �p C_ s y s s -r =a., r •e j+i"F..s. _� _ .........M.. ... 100 gross Amount Due from Borrower � �4401 Gross Amount Dupe to Seller ,caa Contract sales prr � 26401E)�tl�t0 t3E} Contract sales pncc �26C1�4pD_t3Q .._ property s 102 f�ersonml i103 So tlE men Sham to borrow,Fr(tame 1470) 4,313 SIS 110x4 404. „. �w...,.. _., _._,w _..,..._ _ .__.__..,.,__...___.,__........,.__.._,__......_ _ �SCIs,,.._..__ _ .... a o WW,._.._..... ............._... . ...__ Adjustments for lte ms paid by seller In advance � Adjustments for Items ltd by seller in advmce 1US Gityttovna faxes to _ _ _ _ 40 .City/town taxes to _ 107-Count faxes e >z ra tt#t"3I 2Ca3a _ 249.91 4077•County taxes 8iazr�o 4 12/31/ ala _ 249.91i _._ 108 Assessment-, to s t 408.Assessments to 11.02, 014 f,110l'>015 1 StisH�7t7t 3AX r�r � a to ��tta._.,... ...._,.._...._. „ 1585 39 4 SCMIbULTAX tof,1104'>015 1,685,31 1107 20.14 HOA 8/2212014 teizr311a t '" 17.95 4100 2014 ROA 8,122/2014 toi2T31l2otr 11 i t0 411 10 _ _. _.. _ I 412 _ 120.Gross Amount Due front Borrower 266 266.61" �420.Gross Amount Due to Seller � 261,95-3.17 2CIO.A,nourats Tsaid by or in Behalf of Borrower 500 Reduction In Amount Due to Seller 120 s P e2.01.Deposit or eomost s»oney �wI £LQ ,Cs txoc deposit( Instructions) . _ 202.Arsnci 50? settternertt cfwa qe<to e:l�Mine t4Q0) . . ., 16x326 75g ltsunt Of new los } ,. b- 12013 Exrsanqw_mn{. ),ttiate„r subject to 503 E_xis<ta_n lo0�sj taken sub to � _ , _.... _ t 7074. .Payoff of first morlrage tta an RBcT3ANIt _. 198,479 00, _ _ �..,.. ... ,.� ,__.. i „ mol"gagrw Frit ..___-- 1206 ___-.� � uw . . 506.w,..._ ,. w ....... 5077 201?. __,__.., �. maw. _ }201$, 5078 a, i 2e39. 5019. I Adjustments for items unpaid by retler Adjustments for Items unpaid by seller 21'0.City/tcrv«rs taxa to S1fI.CityrTtn fixe Icy 211 Cauraty taxes to 1 _ 511 County taae€ss to ?12 A ani rb X12 Assessments to m mti s .......... ... _,,,., 713 to 513, to � _ _. _._. µ ,w _ _ __.. 214. to S 6A tea _...,.,,.. .F 215 to 51 S t0 217 t 517 & W F ,. .. .«,•.,.,....w.,,µ,- .aµ, .a .,.•.,,...,.� - ...... ...,,.,..„...._...,w_......... ...... .,.�....._............... ..._........ t� `218 i.at$ 2% 220.Total Raid byffor Borrower � 2,000.00! 520.Total Reduction Amount Dine Seller 214,805,75 3007Cash at Settlement froindt D Borrower � �600 Cash at settlement tolfrom Seller l 30I Grass amount due lrortt borrower(line 1207} ` 266,266.671t I31 Grass amour t due to sener(line 420) 261,95317 302 Less arn"ts pard by/for borrower(line 220),. ,, ,., ( 2,000 00) s 602. Less reductions in amount due seller(fine$20) { 214,805J5) To 60 Castr To Ercrrrs Srller�_ 303„ h Fin „ - �^ 47,147.4 264266.678 s4 f Cell ............... 7Ab Total Rest Estate tlraicer Few Pard From S Paid From Divi,;aon of oommisfAon tirgt 700 s follows: Borrower's setters 707 $ 1 t3g0 OT# to CC)�,.t,}tAtEiL.�g4IN6 IAF IEL C 6��t F�5S�. _ .n .,_, Settlement 7{l2.� to 1 Settlement T0. Commission paid at settlement 4300000 �- _ .... ._.._ RClIKER FEE 1 8W Items P ay<rtrte in Connection W th Loan 801 Our origiTiation charoe $ (froart GFE#I) 80Z Your credit or chat (points)for the spec Interest rate chosen (matt GFE#f2} l ._..� x.. _ t3i31 Your arflta fed origination charged rfrt�m GFE q) ¢ 1 &X Appraisal isal fee to (frorn GF 43) w l 908 Credit report to {tm GFE*3) W„... _ _ .,,.a...xx._...__.,_......._, ... ....._ m _, 86Tax service to (from G'E#3) _ _.._.� 5867 FCcx�d�*ftifrlson {frzam GFE##3) I 1308 870 F i to Be Paid in Advance Exclude last day in catc: -line 9.41 013.tterins Re�,i;Wd b;Len`�i 1,Dail interest� e from to /day from GFE*10 L 2. r sia p insurance rernfurn for months to from GFE#3)t € ( r 03 Ncmc>ownc's r mare fr�r years to Yw� (from W� #11) i r' 1000.Reserves Deposited with Lender 1009 Initial depns4 for your escrow ateocrnt (front GF ) 003 Nl 1 rar sin} rpt rxit rrt s Cud .,. _ month 1004 propr rty Wmer. month Ccs�w per month $ f 1005, months $ per month .,. 1006. mentis P$ per month $ ....,,. t 104?,it qr _ale Ad tasirraertt S t ? 14413,ode Chortles 1101 Title services and leader's title insurance (from GFE#f4) t 102,Sz itlement or closing fee $ .�,......,x, _ _ 1 lilt. trt4aa ruraatce _._ _._{frra Gf E 5) _ 110C Lenders brie insta-ahW, $ 1106 t,errdet"s title i 1106Owner's fate 110 J Agent's portion of ttrr.inial title insurance pressrun $ l 11 t3t3 ilnclert22aar s pQrirczat of the tcital title#Elsstr€att-e prenarruara _ $ 14Q9 MURREL t WAL'TER$,41!ESQ TITLE SEARCH &CERTIF'ICATICJt+1 .__._.... _ .._...�.. 12000 Ot}k ._ __.r...._ ... 1110. P4UTAFtY St3SAN H0UC#< _. __.,.._w..._,_._.... 20.00' 1111 ELECTRONIC i RAI�i iUtlSStt�M Fes_ _ __. _ _ 'T 501 00 4112 1200.Government Recording and Transfer Cls es 1201 rvo"in€.nt r ordrrag chargesifrom GFE t#7) 04 C}0 '135.00 a 124? Geed$ '9$00 t ortgage.$ Releases $ i Olt 12233 Tran ler izrxr s.._ _ a u, (from GFE#ill) ,., +;00 i 0 i 600 0�1 E 11134 CitytC cooly laxtslanrp Dead$ 2 500 00 Mo go 5 120: taw taxd rmp:5 ��$ 216M0 Oil t 0493,9 a S 1 ................ i1300.Additional Settlement Cbaroe 11301.Required services ttaal you can Grp for (warn OFC } � t _ �..w W..,._ _ �... ._. i 4 (1 $ i 11,103. SILVER SPRING TWP AUT"HORtTY-FINAL EWER BILL$ [ �m � 612 7 1304 AMERICAN HOME SHIELD 9 YEAR 520 00 „13as. EVERGREEN��HOMEOWNERS IN IIAi'ION FEE„ _ _ ,._.... � mW�.,..�.. .,._ ....200 Ili s3 + j"'"”, fir,..... __ _• �. "i�.o.+��Q Yxr'`,', T. J ESTATE OF MAX D . MARBAIN NO . 21 - 1 3 -0994 COPY - SETTLEMENT STATEMENT - 39 KESWICK DRIVE OMB Approval No.2502-0265 A. Settlement Statement (HUD-1) FINAL of Loan 1.❑FHA 2.❑RHS 3.❑Conv.Unins. 6.File Number: 7.Loan Number: 8.Mortgage Insurance Case Number: 13-2183GC 4.1771 VA 5.E]Conv.Ins. C.Note:This form is furnished to give you a statement of actual settlement costs.Amounts paid to and by the settlement agents are shown.Items marked "(p.o.c)"were paid outside the closing;they are shown here for informational purposes and are not Included in the totals. D.Name&Address of Borrower: E.Name&Address of Seiler: F.Name&Address of Lender: Robert T.Famer,Holly A.Famer The Estate of Max D.Marbain Jessica L Marbain, 7 Cottage CL,Mechanicsburg,PA 17050 Executrix G.Property Location: H.Settlement Agent: I.Settlement Date:12/20/2013 39 Keswick Drive Guardian Transfer Corporation Disbursement Date:12/20/2013 Mechanicsburg,PA 17050 4075 Market St.,Camp Hill,PA 17011 Silver Spring Township 717-909-4700 Place of Settlement: TitleExpress 4075 Markel Street,Camp Hill,PA 17011 Printed 12/19/2013 at 5:53 pm by SLC J.Summary of Borrower's Transaction m K.Summary of Seller's Transaction 100. Gross Amount Due from Borrower 400. Gross Amount Due to Seller 101. Contract sales price 228,500.00 401. Contract sales price 228,500.00 102. Personal property 402. Personal property 103. Settlement charges to borrower(line 1400) 4,452.00 403. 104. 404. 105, 405. Adjustments for Items paid by seller in advance Adjustments for items paid by seller in advance 106. City/town taxes to 406. City/town taxes to 107. County taxes 1212012013 to 12/31/2013 4.09 407. County taxes 12/20/2013 to 12/31/2013 4.09 108. School taxes 12/2012013 to 06/302014 186.17 408. School taxes 12/20/2013 to 061302014 186.17 109. 2013 HOA Dues 122012013 to 12/312013 1.64 409. 2013 HOA Dues 12202013 to 121312013 1.64 110. 410. 111. 411. 112. 412. 120• Gross Amount Due from Borrower 233,143.90 420. Gross Amount Due to Seller 228,691.90 200. Amounts Paid by or in Behalf of Borrower 500. Reductions In Amount Due to Seller 201. Deposit or earnest money 13,175.00 501. Excess deposit(see instructions) 1,750.00 202. Principal amount of new loan(s) 502. Settlement charges to seller(line 1400) 13,931.11 203. Existing loos taken subject to 503. Existing loos taken subject to 204. 504. Mortgage Release to M&T Bank 153,600.00 205. 505. 206. 506. 207. 507. 208. 508. 209. 509. Adjustments for Items unpaid by seller Adjustments for items unpaid by seller 210. City/town taxes to 510. City/town taxes to 211. County taxes to 511. County taxes to 212. School taxes to 512. Schooltaxes to 213. 513, 214. 514. 215. 515. 216. 516. 217. 517. 218. 518. 219, 519. 220. Total Paid b lfor Borrower 13,175.00 520. Total Reduction Amount Due Seller 169,281.11 300. Cash at Settlement from/to Borrower 600. Cash at Settlement toffmm Seller 301. Gross amount due from borrower(line 120) 233,143.90 601, Gross amount due to seller(line 420) 228,691.90 302. Less amounts paid by/for borrower(line 220) 13,175.00 602. Less reductions in amount due seller(line 520) 169,281.11 303. Cash ❑X From ❑ To Borrower 219,968.90 603. Cash 0 To ❑ From Seller 59,410.79 ml:`f=�.Xa 1. nu.ePer Ponse selllemenl p.ce.i P Y..wmnlly v.11U OMB wgml m,mEerS No esmrgen11.I1tY I..Uu,M;N6 Ebdosum b m.'nE.tery.Tnls b Eeslpne0lP pmNOe the W,IIe.t.a RESPA P.va t-dl..wilh Inlmm.11.n Ou.lnp Ih. Previous editions are obsolete Page 1 of 4 HUD-1 L.Seftlement Charges 700. Total Real Estate Broker Fees $11,725.00 Paid From Paid From Division of commission line 700 as follows: Borrower's Seller's 701. $5,712.50 to Coldwell Banker Homestead Group .Funds at Funds at 702• $6,012.50 to Coldwell Banker Homestead Group Settlement Settlement 703. Commission paid at settlement 300.00 11,425.00 800. Items Payable In Connection with Loan 801. Our origination charge (Includes Origination Point 0.000%or$0.00) $ (from GFE#1) 802. Your credit or charge(points)for the specific interest rate chosen $ (from GFE#2) 803. Your adjusted origination charges (from GFE A) 804. Appraisal fee to from GFE#3 805. Credit report to from GFE#3 806. Tax service to from GFE#3 807. Flood certification to from GFE#3 808. to 900. Items Required by Lender to be Paid In Advance 901. Daily interest charges from from 12/2012013 to 0110112014 @$0.00/day (from GFE#10) 902. Mortgage insurance premium for months to (from GFE#3) 903. Homeowner's insurance for years to (from GFE#11) 904. months to from GFE#11 1000. Reserves Deposited with Lender 1001. Initial deposit for your escrow account (from GFE#9) 1002.Homeowner's Insurance 2 months $ 0.00/month $ 1003.Mortgage insurance 2 months $ 0.00/month $ 1004.Property taxes 2 months a$ 0.00/month $ 1005.County taxes months $ 10.361month $ 1006.School taxes months P$ 29.341month $ 1007.Aggregate Adjustment $ 1100.Title Charges 1101. Title services and lender's title Insurance from GFE#4 .1102. Settlement or closing fee to $ 1103. Owners title insurance-First American Title Insurance Company $ from GFE#5 1,545.00 1104. Lender's title insurance-First American Title Insurance Company $ 1105. Lender's title policy limit$0.00 Lender's Policy 1106.Owner's title policy limit$228,500.00 Owner's Policy 1107.Agent's portion of the total title Insurance premium $1,313.25 to Guardian Transfer Corporation 1108. Underwriters portion of the total title insurance premium $231.75 to First American Title Insurance Company 1109. Notary Fee to Guardian Transfer 5.00 Corporation 1110. Courier Fee to Guardian Transfer 15.00 Corporation 1200.Government Recording and Transfer Charges 1201. Government recording charges $ (from GFE#7) 67.00 1202• Deed$67.00 Mort a e$ Release$ 1203.Transfer taxes $ (from GFE#8) 2,285.00 1204.City/County taxistamps Deed$2,285.00 Mortgage$ 1205. State Tax/stamps Deed$2,285.00 Mortgage$ 2,285.00 1206. Deed$ Mortgage$ 1207. Release of Mortgage 111.00 1300.Additional Settlement Charges 1301.Required services that you can shop for (from GFE#6) 1302.Final Sewer to Silver Spring Township Authority 95.11 1303. HOA Initation Fee to Evergreen HOA 200.00 1304.HOA Assessment Fee 2014 to Evergreen HOA 50.00 1305. to r r rEl 4,452.00 1 13,931.11 `Paid outside of closing by(B)orrower,(S)eller,(L)ender,(I)nvestor,Bro(K)er."Credit by lender shown on page 1.-Credit by seller shown on page 1. Previous editions are obsolete Page 2 of 4 HUD-1 Comparison of Good Faith Estimate GF and HUM Charges Good Faith Estimate HUM Charges That Cannot Increase. HUM Line Number Our origination charge.. Id. # 801 0.00 0.00 Your creditor charge(points)for the specific interest rate chosen # 802 0.00 0.00 Your adjusted.origination charges':: # 803:`:?:: ;..<,::;'.: : 0.00 0.00 Transfer taxes 1203 0.00 2,285.00 Charges That in Total Cannot increase More Than.10°/V, Good FaiNr Estimate... .HUD•1: Govemmentrecorciingcharges,'r.::.:,,,; #1201;: ::::":::.''•,:::;;.':_: •' 0.00 _ 67.00 Title services and lender's title insurance #•1101• < ,:; 0,00 0.00 Owner's title Insurance . # 1103.:; OAO 1,545.00 # 0.00 1,612.00 $ 1,612.00 or 999.9999% Charges That Can Chane Good Faith Estimate HUM Initial deposit for your escrow account #-1001; :.:;, ,,:';:; 0.00 0.00 Dally interest charges from #901, ;:$::-ada 0.00 0.00 Homeowners insurance ,:. .::. ",# 903 :.;. . ;.,.,��-.._,,. 0.00 0.00 Loan Terms Your initial loan amount I's $ Your loan term is''. ;,`.:.. . ...... ... years Your Initial interest rate is % Your initial monthly amount owed for princtpaf,Interest,'and any mortgage $ Includes insurance is ❑Principal ❑interest ❑Mortgage Insurance Can your interest rate rise? ` X❑No. ❑Yes,it can rise to a maximum of %. The first change will be on 1 1, and can change again every years after 1 t . Every change date,your interest rate can increase or decrease by %. Over the life of the loan,your interest rate is guaranteed to never be tower than %or higher than %. Even if you make payments on time;'can'your loan balance rise? '; .; ❑X No. E]Yes,it can rise to a maximum of$ Even if you make payments on fine,can y�r;r monthly amount owed.for ❑X No, ElYes,the first increase can be on 1 1 and the monthly principal,interest,and mortgage Insurance rise? .,`. "r:::'. ?:>. .'' amount owed can rise to$ The maximum It can ever rise to Is$ Does your loan have a prepaymenYpenalty?,, "' '._ ;;'•. .:' .,:' ❑X Na. ❑Yes,your maximum prepayment penalty is$ Does your loan have a balloon payritent?•, , . . , Q No. ❑Yes,you have a balloon payment of$ due in years on I I Total monthly amount owed including escrow account payments;.`-;`' X❑You do not have a monthly escrow payment for Items,such as property taxes and homeowner's insurance. You must pay these items directly yourself. ❑You have an additional monthly escrow payment of$ that results in a total initial monthly amount owed of$ This includes . principal,Interest,any mortgage insurance and any items checked below: ❑Property taxes ❑Homeowner's insurance ❑Flood insurance ❑ Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your tender. Previous editions are obsolete Page 3 of 4 HUD-1 HUD CERTIFICATION OF BUYER AND SELLER I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief,it is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction I further certify that I have received a copy of the HUD-1 Settlement Statement. Robert T.Famer Holly A.Farrier T state of Max D.Marbain Jessica L.M ain,E&NT The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction.I have caused or will cause the funds to be disbursed i ordance with this statement SETTLENJtNT AGE DATE WARNING:IT IS A CRIME TO KNOWINGLY MAKE FALSE STATEMENTS TO THE UNITED STATES ON THIS OR ANY SIMILAR FORM.PENALTIES UPON CONVICTION CAN INCLUDE A FINE AND IMPRISONMENT.FOR DETAILS SEE TITLE 18:U.S.CODE SECTION 1001 AND SECTION 1010. Previous editions are obsolete Page 4 of 4 HUD-1 ESTATE OF MAX D . MARBAIN NO . 21 - 13 -0994 COPY - SETTLEMENT STATEMENT - 50 THISTLE DRIVE OMB Approval-No.2502-0265 A. Settlement Statement (HUD-1) U� FINAL B. pe ofLo0an 1.❑FHA 2.❑RHS 3.❑X Conv.Unins. 6.File Number: 7.Loan Number: B.Mortgage Insurance Case Number: 13-1739 2715089534 4.❑VA 5.❑Conv.Ins. C.Note:This form is furnished to give you a statement of actual settlement costs.Amounts paid to and by the settlement agents are shown Items marked "(p.o.c)"were paid outside the closing;they are shown here for Informational purposes and are not Included in the totals. D.Name&Address of Borrower: E.Name&Address of Seller: F.Name&Address of Lender: Denise L.Yeager,Dennis A.Yeager Jessica L Marbain,Executrix of the Estate of Max D. Northwest Savings Bank Marbain,Marbain Associates,LTD 108 Liberty Street,Waren,PA 16365 G.Property Location H.Settlement Agent: I.Settlement Date:09/19/2013 50 Thistle Drive Guardian Transfer Corporation Disbursement Date:09/19/2013 Mechanicsburg,PA 17050 4075 Market St.,Camp Hill,PA 17011 Silver Spring Township 717-909-4700 Place of Settlement: TitleExpress 4075 Market St.,Camp Hill,PA 17011 Printed 09/19/2013 at 11:04 am by SLC J.Summary of Borrower's Transaction K.Summary of Seller's Transaction 100. Gross Amount Due from Borrower 400. Gross Amount Due to Seller 101. Contract sales price 260,000.00 401. Contract sales price 260,000.00 102. Personal property 402. Personal property 103. Settlement charges to borrower(line 1400) 7,371.06 403, 104. 404. 105. 405. Ad ustments for items paid by seller in advance Adjustments for items paid by seller in advance 106. City/town taxes to 406. City/town taxes to 107. County taxes 0911912013 to 1213112013 41.93 407. County taxes 09/1912013 to 121312013 41.93 108. School taxes 091192013 to 06/302014 325.27 408. School taxes 09/19/2013 to 06/302014 325.27 109. 409. 110. 410. 111. 411. 112. 412 120. Gross Amount Due from Borrower 267,738.26 420. Gross Amount Due to Seller 260,367.20 200. Amounts Paid by or In Behalf of Borrower 500. Reductions In Amount Due to Seller 201. Deposit or earnest money 13,000.00 501, Excess deposit(see Instructions) 12,000.00 202. Principal amount of new loan(s) 66,000.00 502. Settlement charges to seller(line 1400) 15,711.00 203. Existing loa s taken subject to 503. Existing loa s taken subject to 204. 504. Payoff of first mortgage loan to M&T Bank 164,000.00 205. 505. Payoff of second mortgage loan to Keystone Financial Bank 206. 506. Proceeds 68,656.20 207. 507. 208• 508. 209. 509. Adjustments for Items unpaid by seller Adjustments for Items unpaid by seller 210. City/town taxes to 510. Cityhown taxes to 211. County taxes to 511. County taxes to 212. Schooltaxes to 512. School taxes to 213. 513. 214. 514. 215. 515. 216. 516. 217. 517. 218. 518. 219. 519. 220• Total Paid by/for Borrower 79,000.00 520. Total Reduction Amount Due Seller 260,367.20 300. Cash at Settlement from/to Borrower 600. Cash at Settlement tolfrom Seller 301. Gross amount due from borrower(line 120) 267,738.26 601, Gross amount due to seller(line 420) 260,367.20 302. Less amounts paid by/for borrower(line 220) 79,000.00 602 Less reductions in amount due seller(line 520) 260,367.20 303. Cash ❑X From ❑ To Borrower 168,738.26 603. Cash ❑X To ❑ From Seller 0.00 min mm,um�m n a sl Pbys.a�nmh-B OMB tonlrol numEer.No mniH•mI.IRr lssi Per Ift dlsdown is m�.M.lo7pThh 1.defy^M to �p�nry may^ ' u^"•'^^• rou memo myu�rt o mmP e e , setllemem Pumsa p•�•IM rllat•.RESPA eevnd Inns.dbn ssft.Mr•im.11.n duNp Ib Previous editions are obsolete Page 1 of 4 HUD-1 L.Settlement Charges 700. Total Real Estate Broker Fees $13,300.00 Paid From Paid From Division of commission line 700 as follows: Borrower's Seller's 701. $13,300.00 to Coldwell Banker Homestead Group Funds at Funds at 702• $0.00 to Settlement Settlement 703. Commission paid at settlement 300.00 13,000.00 800. Items Payable in Connection with Loan 801. Our origination charge (Includes Origination Point 0.000%or$0.00) $2,275.00 (from GFE#1) 802. Your credit or charge(points)for the specific interest rate chosen $-1,523.28 (from GFE#2) 803. Your adjusted origination charges (from GFE A) 751.72 804. Appraisal fee to Northwest Appraisal Servia $375.00 P.O.C.B'(from GFE#3) 805. Credit report to Equifax (from GFE#3) 15.80 806. Tax service to Lereta/Loan Protector (from GFE#3) 84.00 807. Flood certification to Corel is .(from GFE#3) 7.00 808. Reinspection fee to Northwest Appraisal Services (from GFE#3) 100.00 900. Items Required by Lender to be Paid in Advance 901. .Daily interest charges from from 0911912013 to 10101/2013 @$8.2500/day (from GFE#10) 99.00 902. Mortgage insurance premium months to from GFE#3 903. Homeowners insurance for 1 years to Travelers Insurance (from GFE#11) 324.00 904. months to from GFE#11 1000. Reserves Deposited with Lender 1001. Initial deposit for your escrow account (from GFE#9) 847.54 1002.Homeowners insurance 3 months Q$ 27.00lmonth $81.00 1003. Mortgage insurance months 0$ /month 1004. Property taxes months ft$ /month 1005.County taxes 8 months C@$ 66.70/month $533.60 1006.School taxes 4 months 0$ 188.83/month $755.32 1007.Aggregate Adjustment $-522.38 1100.Title Charges 1101.Title services and lenders title insurance from GFE#4 1,085.00 1102. Settlement or closing fee to $ 1103.Owners title insurance-First American Title Insurance Company $ from GFE#5 987.00 1104. Lenders fitle insurance-First American Title Insurance Company $713.00 1105. Lenders title policy limit$66,000.00 Lenders Policy 1106.Owners title policy limit$260,000.00 Owners Policy 1107.Agent's portion of the total fitle insurance premium $1,445.00 to Guardian Transfer Corporation 1108. Underwriters portion of the total title Insurance premium $255.00 to First American Title Insurance Company 1109. 100 No Viol\100 to First American Title $50.00 Insurance Company 1110.300 Survey\300 to First American Title $50.00 Insurance Company 1111.820 PUD\5.1 to First American Title $50.00 Insurance Company 1112.900 EPL-Res\8.1 to First American Title $50.00 Insurance Company 1113.ClosingSvcLtACL to First American Title $75.00 Insurance Company 1200.Govemment Recording and Transfer Charges 1201. Government recording charges $ (from GFE 97) 170.00 1202• Deed$67.00 Mortgage$103.00 Release$ 1203.Transfer taxes $ (from GFE#8) 2,600.00 1204. City/County taxistamps Deed$2,600.00 Mortgage$ 1205. State Tax/stamps Deed$2,600.00 Mortgage$ 2,600.00 1206. Deed$ Mortgage$ 1207. Release Recording 111.00 1300.Additional Settlement Charges 1301.Required services that you can shop for (from GFE#6) 1302. to 1303. to 1304. to 1305. to ME111111111110M _ r r 7,371.06 15,711.00 `Paid outside of closing by(B)onower,(S)eller,(L)ender,(I)nvestor,Bro(K)er."Credit by lender shown on page 1.-Credit by seller shown on page 1. Previous editions are obsolete Page 2 of 4 HUD-1 Com parisonof Good Fafth Esumate(GFE)and Oo6d Faith Estimate HUD Cha es That Cannot Increase HUD-1 Line Number Our origination charge, [,:' ...... 8011;�. 2,275.00 2,275.00 Your creditor Diarge(points).for the specific interest rate chosen:,-"'.-:-,-.-^#-.802; -1.523.28 -1,523.28 Your adjusted origination charges: 751.72 7511.72 Transfer taxes 1203 2,600.00 2,600.00 ' 'HUD Charges That frildtil Cannot fiiiieari6 More'Thifi.10%" • • Faith Edmat6':;- S Government recording charges• :'! i i'i #:1201. 200.00 170.00 Appraisal fee 375.00 375.00 16.00 Credit report,.....::..,, 805.4�! _A4' 15.80 Tax service.: 84.00 84.00 Flood certification:::. T; . 7.00 7.00 Reinspection fee.:,..,.? 150.00 100.00 b 832.00 751.80 $ -80.20 or -9.6394% Charges That 4WL Good FilthEstimate: HUD-1` Initial deposit for your escrow, ,100I 3,520.00 847.54 Daily interestcharges from, z.*..I,';$8.2500/da) 154.60 99.00 Homeowners Insurance....- 324.00 600.00 Title services and lenders tille 1,140.00 1.085.00 Owners title Insurance-First American Title Insurance Company,-:,-,;:;.,.:,#..1103 987.00 987.00 a. 0.00 0.001 Loan Terms Your initial loan $66,000.00 Your loan term is'::'' % 30.years rife, '�te Is' Your Initial I r6sf. 4.5000% Your Initial monthly amount owed for �'n`4'al ifiteles�:ard ahy.mortgage $334.41Incl udes insurance is 0 Principal Interest Mortgage Insurance Can your interest rate [91 No. E]Yes,it can rise to a maximum of %. The first change W -aV- will be on / I and can change again every years after 1 I Every change date,your Interest rate can Increase or decrease by %. Over the life of the loan,your Interest rate Is guaranteed to never be lower than %or higher 47 than k. Even ifyou'make, 'tson time, 46 E]No. E:1 Yes,it can rise to a maximum of$ ..ti Even if you ma.e--pa-ymenft on' m%- No. [I Yes,the first Increase can be on and the monthly principal,inierest,,and mortgage.1 amount owed can rise to$ The maximum It can ever rise to Is$ Does your.IN ONo. [I Yes,your maximum prepayment penalty Is$ Does our l6din.hae' El No. Ej Yes,you have a balloon payment of$ due In y '-Vi Years on Total mimth1jamourit oiked.including escrawaccoutit payments" j.-6:i! D You do not have a monthly escrow payment for Items,such as property taxes. and homeowners Insurance.You must pay these Items directly yourself. You have an additional monthly escrow payment of$282 53 that results In a total initial monthly amount owed of$616.94. This includes principal,Interest,any mortgage Insurance and any items checked below, V.. Property taxes Homeowners insurance p.- ElFlood Insurance ❑ U El Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your lender. Previous editions are obsolete Page 3 of 4 HUD-1 Signature Page HUD CERTIFICATION OF BUYER AND SELLER I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief,it is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction I further certify that I have received a copy of the HUD-1 Settlement Statement Deni L Yeager Denrfis A.Yeager .Jessica L Marb ,Executrix of th Estate of Max D,Ma in Marbain Associates,LTD Settlement Agent The HUD-1 Settlement Statement which I have prepared is a true and accurate account of this transaction.I have caused or will cause the funds to be disbursed' eccord an with this statement r 1q ad13 SETTLEMEN AGEN DATE WARNING:IT IS A CRIME TO KNOWINGLY MAKE FALSE STATEMENTS TO THE UNITED STATES ON THIS OR ANY SIMILAR FORM.PENALTIES UPON CONVICTION CAN INCLUDE A FINE AND IMPRISONMENT.FOR DETAILS SEE TITLE 18:U.S.CODE SECTION 1001 AND SECTION 1010. Previous editions are obsolete Page 4 of 4 HUD-1 ,-Itemization of Your LoanOrigination Charr . Name.of Borrower. Name of Seller. File Number. Denise L Yeager Jessica L.Marbain,Executrix of the Estate of Max D. 13=1739 Dennis A.Yeager Marbain Marbain Associates,LTD Prepared 0911912013 at 11:04 am Note:This page displays an Itemization of the adjusted origination charges shown in section 800 of the HUD-1 Settlement Statemen This page accompanies but Is not a part of the HUD-1 Settlement Statement If a discrepancy exists,the information on the HUD-1 Settlement Statement applies. Your Loan Origination Charges Borrower Seller 801. Our origination charge (Includes Origination Point 0.000%or$0.00) Administration fee to Northwest Savings Bank- $ 425.00 Broker Compensation fee to Premier Mortgage $ 1,750.00 Document prep fee to Northwest Savings Bank $ 100.00 802. Your credit or charge(points)for the specific interest rate chosen Credit to Northwest Savings Bank $ 1,523.28 803. Your adjusted origination charges 751.721 0.00 Itemization of Line r Name of Borrower: Name of Seiler. Fie Number. Denise L.Yeager Jessica L Marbain,Executrix of the Estate of Max D. 13-1739 Dennis A.Yeager Marbain Marbain Associates,LTD Prepared 0 911 912 013 at 11:04 am Note:This page displays an itemization of the charges shown on line 1101 of the HUD-1 Settlement Statement This page accompanies but Is not a part of the HUD-1 Settlement Statement If a discrepancy exists,the information on the HUD-1 Settlement Statement applies. 1100.Title Charges Total Charge Borrower. Seller 1101,Title services and lenders title insurance to Notary Fee-Purchasers to Guardian Transfer Corporation $ 35.00 35.00 Wire In to Guardian Transfer Corporation $ 12.00 12.00 Electronic Document Fee to Guardian Transfer Corporation $ 35.00 35.00 Courier Fee-Purchase to Guardian Transfer Corporation $ 15.00 15.00 1102.Settlement or dosing fee to $ 0.00 1104.Lender's title insurance-First American Tit to First American Title Insurance Cr$ 713.00 713.00 1109.100 No VIoK100 to First American Title Insurance Cc$ 50.00 50.00 1110.300 Surveyl300 to First American Title Insurance Cc$ 50.00 50.00 1111.820 PUD15.1 to First American Title Insurance Cc$ 50.00 -5000-1-- 1112.900 EPL-Res18.1 to First American Title Insurance Cr$ 50.00 50.00 1113.ClosingSvcLMCL to First American Title Insurance Cr$ 75.00 75.00 Totals: $ 1,085.00 0.00 1,085.00 0.00 Seller/Lender credits shown on page 1 POC=Paid Outside Closing CR=Lender Credit Previous editions are obsolete Page 1 of 1 HUD-1 ESTATE OF MAX D . MARBAIN NO . 21 - 1 3 -0994 COPY - SETTLEMENT STATEMENT - 40 THISTLE DRIVE a.MENTDF /OMB Approval o.25 rya* IMI * A. Settlement Statement (HUD-1);' IV 9�N OEVES _4 B.Type of Loan 6.File Number. 7.Loan Number. 8.Mortgage Insurance Case Number. 1.1-1 FHA 2.F] RHS 3.a Conv.Unins. 4.❑ VA 5.[:] Conv.Ins. 0296289390 C.Note:This form is furnished to give you a statement of actual settlement costs.Amounts paid to and by the settlement agent are shown.Items marked "(p.o.c.)"were paid outside the dosing;they are shown here for informational purposes and are not included in the totals. D.Name&Address of Borrower E.Name&Address of Seller: F.Name&Address of Lender. WILLIAM E.LUCAS JESSICA L.MARBAIN,EXECUTRIX OF THE SUNTRUST MORTGAGE,INC. EMELINE C.LUCAS ESTATE OF MAX D.MARBAIN 875 EPPLEY DRIVE 700 W.MAIN STREET 901 Semmes Avenue MECHANICSBURG PA 17055 MECHANICSBURG PA 17055 Richmond VA 23224 G.Property Location: H.Settlement Agent 1.Settlement Date: MURREL WALTERS,III ESQ 717-697-4650 TAX PARCEL NO. 38-08-567-400 54 E.MAIN STREET 1 0/1 81201 3 40 THISTLE DRIVE MECHANICSBURG PA 17055 Place of Settlement MECHANICSBURG PA 17050 54 E.MAIN STREET MECHANICSBURG PA 17055 J.Summary of Borrower's Transaction K.Summary of Seller's Transaction 100.Gross Amount Due from Borrower 400.Gross Amount Due to Seller 101.Contract sales price 331 075.00 401.Contract sales price 331 075.00 102.Personal property 402.Personal property 103.Settlement charges to borrower(line 1400) 7,931.49 403. 104. 404. 105.a. 405.a. Adjustments for items paid by seller In advance Adjustments for items paid by seller In advance 106.City/town taxes to 406.City/town taxes to 107.County taxes 10/18/2013 t012/31/2013 29,24 407.County taxes 10/16/2013 t012/31/2013 29.24 168.Assessments to 408.Assessments to 109.SCHOOL TAX 10ne/2013 t06/30/2014 285,22 409.SCHOOL TAX 10/18/2013 t06/30/2014 285.22 110.HOA DUES 10/18/2013 to12/31/2013 10.36 410. HOA DUES 10/18/2013 t012/31/2013 10.36 111. to 411. to 112.a. 412.a. 120.Gross Amount Due from Borrower 339 331.31 420.Gross Amount Due to Seller 331 399.82 200.Amounts Paid by or In Behalf of Borrower 500.Reductions In Amount Due to Seller 201.Deposit or earnest money 1,000.00 501.Excess deposit(see Instructions) 202.Principal amount of new loan(s) 80 000.00 502.Settlement charges to seller(line 1400) 19 965.50 203.Existing loan(s)taken subject to 503.Existing loan(s)taken subject to 204. 504.Payoff of first mortgage loan M&T BANK 236 860.00 205. 505.Payoff of second mortgage loan 206. 506. 207"MARBAIN-NON-REFUNDABLE DEPOSIT 15 000.00 507"MARBAIN-NON-REFUNDABLE DEPOSIT 15 000.00 208,ORIGINATION CHARGES-PD OUTSIDE OF CLOSING 50.00 508. 209.a.APPLICATION FEE $50.00 509.a. Adjustments for Items unpaid by seller Adjustments for items unpaid by seller 210.City/town taxes to 510.City/town taxes to 211.County taxes tol 511.County taxes to 212.Assessments to 512.Assessments to 213. to 513. to 214. to 514. to 215. to 515. to 216. 516. 217. 517. 218. 518. 219.a. 519.a. 220.Total Paid by/for Borrower 96,050.00 520.Total Reduction Amount Due Seller 271,825.50 300.Cash at Settlement from/to Borrower 600.Cash at Settlement to/from Seller 301.Gross amount due from borrower(line 120) 339 331.31 601.Gross amount due to seller(line 420) 331 399.82 302.Less amounts paid by/for borrower(line 220) ( 96 050.00) 602.Less reductions in amount due seller(line 520) ( 271 825.50) 303.Cash E From El To Borrower 603.Cash To From Seller 243 281.31 59 574.32 The-Public Reporting Burden for this collection of information is estimated at 35 minutes per response for collecting,reviewing,and reporting the data.This agency may not collect this information,and you are not required to complete this form,unless it displays a currently valid OMB control number.No confidentiality is assured;this disclosure is mandatory.This is designed to provide the parties to a RESPA covered transaction with information during the settlement process. Previous editions are obsolete Page 1 of 3 HUD-1 L.Settlement Charges 700.Total Real Estate Broker Fees Paid From, Paid From Division of commission(line 700)as follows: Borrower's Sellers 701.$ 16 553.75 to COLDWELL BANKER HOMESTEAD GROUP SELECT PROFESS. Funds at Funds at Settlement Settlement 702.$ to 703.Commission paid at settlement 16 553.75 704. BROKER FEE TO COLDWELL BANKER HOMESTEAD GROUP SELECT PROFESSIONALS 300.00 800.Items Payable in Connection with Loan 801.Our origination charge $ 925.00 (from GFE#1) 802.Your credit or charge(points)for the specific interest rate chosen$ -800.00 (from GFE#2) 803.Your adjusted origination charges (from GFE A) 125.00 804.Appraisal fee to RIDGE MARKETING ASSOCIATE POC:BORROWER 380.00 (from GFE#3) 805.Credit report to CREDCO (from GFE#3) 25.00 806.Tax service to (from GFE#3) 807.Flood certification CORELOGIC (from GFE#3) 6.00 808.a.FINAL INSPECTION FEE TO RIDGE MARKETING ASSOCIATE 1 100.00 900.Items Required by Lender to Be Paid in Advance Exclude last day in cales-line 901 901.Dally Interest charges from 1011812013 tol l/l/2013 @$ 9.84/day from GFE#10 137.76 902.Mortgage Insurance premium for months to (from GFE#3) 903.Homeowner's Insurance for 1 years to USAA POC:$543.37 (from GFE#11) 904.a. 1000.Reserves Deposited with Lender 1001.Initial deposit for your escrow account (from GFE#9) 1,330.98 1002.Homeowners Insurance 1 months @$ 45.28 per month $ 45.28 1003.Mortgage Insurance months @$ per month $ 1004.Property taxes months @$ per month $ 1005.COUNTY/TWP TAX 8 months @$ 85.00 per month $ 680.00 1006.a.SCHOOL TAX 4 months @$ 244.58 per month $ 978.32 1007.Aggregate Adjustment $ 372.62 1100.Title Charges 1101.Title services and lender's title insurance (from GFE#4) 1,762.50 1102.Settlement or dosing fee $ 1103.Owner's title Insurance (from GFE#5) 382.50 1104.Lender's title Insurance WITH PA 100 300 900 820 ENDORSEMENTS $ 255.00 1105.Lender's title policy limit$ 80 000.00 PENN ATTORNEYS OHIO BAR TITLE 1106.Owner's title policy limit$ 331 075.00 PENN ATTORNEYS OHIO BAR TITLE 1107.1WN portion of the total title Insurance premium ATTORNEY $ 1,394.50 1108.Underwriter's portion of the total title Insurance premium $ 637.50 1109.a.CPL CLOSING PROTECTION LETTER $75.00 1200.Government Recording and Transfer Charges 1201.Government recording charges (from GFE#7) 168.00 101.00 1202.Deed$ 67.00 Mortgage$ 101.00 Releases $ 101.00 1203.Transfer taxes (from GFE#8) 3,310.75 3,310.75 1204.City/County tax/stamps Deed$ 3,310.75 Mortgage $ 1205.State tax/stamps Deed$ 3.310.75 Mortgage $ 1206.a. 1300.Additional Settlement Charges 1301.Required services that you can shop for (from GFE#6) 1302.TAX SERVICE FEE TO VALUTREE R/E TAX SERVICES $ 83.00 1303. $ 1304.EVERGREEN II HOMEOWNER'S ASSOCIATION- INITIATION FEE 200.00 1305.a. 4 '.Total Settlement Charges(enter on lines 103,Section J and 502, 7,931.491 19,965.50 CERTIFICATION I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and b i d accurate statement of all receipts and disbursements made on my account or me in this transaction.I further certify that I have recei d c th D-1 Settle en Statement Borrower. ate:10/18/2013 Salle 4 Date:10/18/2013 L E.LU SICA L.MAR CUTRIX OF THE Borrow Date:10/18/2013 Seller: f/ Date: ELINE C.LU A ESTATE OF MAX D. AI[BAIN To the best of my knowledge the HUD- Settlement Statement which I have prepared Is a true and accur'a},�J coo IN nds which were received and have been or will be disbursed by the undersigned as part of the settlement of this transaction. Settlement Date: Agent: Date:10/1812013 MURREIM,LTERS,III ESQ WARNING:It is a crime to knowingly make false statements to the United States on this or any other similar form.Penalties upon conviction can include a fine and imprisonment For details see:Title 18 U.S.code Section 1001 and Section 1010. Previous editions are obsolete Page 2 of 3 HUD-1 comparison of Good Faith Estimate(GFE)and HUD-1 Charges Good Faith Estimate HUD-1 Charges That Cannot Increase HUD-1 Line Number Our origination charge #801 925.00 925.00 Your credit or charge(points)for the specific Interest rate chosen #802 -800.00 -800.00 Your adjusted origination charges #803 125.00 125.00 Transfer taxes #1203 3,310.75 3,310.75 Charges That In Total Cannot Increase More Than 10% Good Faith Estimate HUD-1 Government recording charges #1201 275.00 168.00 Appraisal Fee #804 380.00 Credit Report #805 25.00 25.00 Tax Service #806 Flood Certification #807 6.00 6.00 Mortgage Insurance #902 FINAL INSPECTION TO RIDGE MARKETING ASSOCIATE #808a 150.00 100.00 TAX SERVICE FEE TO VALUTREE RIE TAX SERVICES #1302 83.00 83.00 Title services and lender's title Insurance #1101 Owners title Insurance #1103 # 919.00 382.00 Increase between GFE and ' $ -157.00 or -17.08379% Charges That Can Change Good Faith Estimate HUD-1 Initial deposit for your escrow account #1001 4,340.00 1,330.98 Daily interest charges #901 $ 9.84/day 9.84 137.76 Homeowners Insurance #903 720.00 543.37 TITLE SERVICES AND LENDER'S TITLE INSURANCE # 1,240.00 1 762.50 OWNER'S TITLE INSURANCE # 1,295.001 382.50 Loan Terms Your initial loan amount is $ 80,000.00 Your loan term is 20 years Your Initial interest rate is 4.49 % Your Initial monthly amount owed for principal,Interest,and $ 505.69 includes any mortgage insurance is ® Principal ® Interest ❑ Mortgage Insurance Can your Interest rate rise? X❑ No. ❑ Yes,It can rise to a maximum of %.The first change will be on and can change again every after .Every change date,your interest rate can increase or decrease by %.Over the life of the loan,your interest rate is guaranteed to never be lower than %or higher than %. Even if you make payments on time,can your loan balance rise? ® No. ❑ Yes,it can rise to a maximum of$ Even If you make payments on time,can your monthly Q No. ❑ Yes,the first Increase can be on and the monthly amoun amount owed for principal,Interest,and mortgage Insurance rise? owed can rise to$ The maximum it can ever rise to is$ Does your loan have a prepayment penalty? ® No. ❑ Yes,your maximum prepayment penalty is$ Does your loan have a balloon payment? Q No. ❑ Yes,you have a balloon payment of$ due in years on Total monthly amount owed including escrow account payments ❑ You do not have a monthly escrow payment for items,such as property taxes and homeowners insurance.You must pay these Items directly yourself. ®You have an additional monthly escrow payment of$ 374.86 that results in a total Initial monthly amount owed of$ 880.55•This includes principal,Interest,any mortgage insurance and any items checked below. ❑ Property taxes ❑X Homeowners insurance ❑ Flood Insurance ® COUNTY/TOWNSHIP TAXES ❑ © SCHOOL TAXES Note:If you have any questions about the Settlement Charges and Loan Terns listed on this form,please contact your lender. Previous editions are obsolete Page 3 of 3 HUD-1 Continuation of Settlement Statement (HUD-1) WILLIAM E.LUCAS 0296289390 Borrower's Name Loan Number SUNTRUST MORTGAGE,INC. 10/18/2013 Lender's Name Pagel Settlement Date 1100.Title Charges 11109-b.. FEDERAL EXPRESS MORTGAGE PACKAGE $18.00 1109.c. NOTARY-SUSAN HOUCK $20.00 ESTATE OF MAX D . MARBAIN NO . 21 - 1 3 -0994 COPY - SETTLEMENT STATEMENT - 73 KESWICK DRIVE ._{ j VA , Conor.ins. CM mote.,`i`aais term is.furnished to give you a statement of actarit z;6ttiement costs,Amounts paid to ristd by arca sattlornent n9an are shown.Items marked I(p,o,c"were paid outside the closing;they are shown hem for informational purposes aro not included in the totals. D.Name&Address 61'Borrower P.Name&Address of Seller. F.brine&Address of Leander: Lynnea Hall Estes of Max.C.MatbaIn,Marta n Associate;ILC 3 owatd liama mortgage Scivic s 78 Northview D-,..Machanicsburg,PA 17050 7t10 West Wh street Mac haniosbutg,PA 17055 119 Gamma Dr.,Pittsburgh,PA 152311 ..Property Locatiorr H.Settlement Agent I.Settlement Date*0&1=014 73 Kesvirtk Dr, Guardian Transfer Corporalion Mechanicsburp,PA 170151 4075 MarW St:,Camp Hill,PA 17011 Silver Spring Township 'T1'7.1a47bft Place of Sedlementu Title .press Lee 4075 Matimt Street;,Camp Dill,PA 17011 Printed 06112121714 at 3A5 pm by JMG 104, Cross Amount Dire from Borrower 400. Cross Amount Due to Seiler 101. 'Contract sales pry 170,000 X10 401, Contract sales price 170,000M 102. Personal proff.rtx 402. personal m 103. Settlement charges to borrower(line 1400) 10,324,50 403. 104. 404, 105. 405. Adjustments for itemsaid by seller In advance Asi"ustrsarsais for items p2id hX seller in advance 106. cilyftwn taxes to 406, Cityttown taxes to 107. Countytaxes 0611212014 to 1213112014 49.64 407. County tis 0611212014 to 1213112014 49.54 108, School taxes 0611212014 to t3WM12£t14 12.58 408. School taxes W12M 14 acs OWM4 12.88 109, Interim School"faxes 0611212014 to 0613012014 63.52 409. Interim School Taxes 0611212014 to f761301`t014 6342 110. Interim Counly/Twit T 0611212014 ka 1`213112014 24311 410, lrrterim CasuntylTWp T W1212014 to 1213112f114 243:71 '111. HOA Annual Assessn 0611212014 to 12131/7014 27.81 411, HOA Annual A sessa OS11212014 to 12131014 2'1,81. 112 412 120, Gross Amount Due from Borrower 180;7,2.2.06420, Crass Amount flue to Seller 170;397,55 280. Amounts Paid by or In Behalf of Borrower 504. Reductions In Amount Dire to Seller 201. Depositoreamestmoney 2,000.00 501, Eater deposit(see instructions) 202 principal amount of new loan(n) M,M00 502. Se tdemont d ra ft,9s tea srAIar(tine 14 W) 1.2,079.80 203. Existing to sj taken sub', to SDI Eafia!222U taken sena` ct to 204, 504. Release of first mortgage bast to M&T Bank 104,000.00 2115, Good Faith Deposit 4011.00 506. Release of second mortgage ban to M&T Bank$0 206, 506. 207. 507. 208, 508. 200. 503. Adjustments for items unpaid by setter Asijustments for items urt: d by setter 210. Ciiyttown taxes to 510. 'CityAOWn taxes to 211. County texas to 511, county WM to 212. Sctxcsrsl taxes to 512.. School taxes to 213. 513. 214. 514, 215.. 515. 216. 116. 217. 5'17. 218.. 518. „_... 2211. Total l lrl Ifo Sorrow"ar 158a47T� 524. TotalReductton Amount Due Seller 3130. CgshatUettlematitftomtWBorrower 600. Qsh atsafflementlottrom Satyrs .. 17Q,39?.566. 301. Cross amount due from bonower .�1213) '1611, 18 1 ;. Sttrss amount due to seller{tine 4241 302. Less arrounts paid by r borrower(line 720) 168,077.00 602 Less reductions in amount due seller(lime 620) 116,1375, 3 343. Cash RI F� C] T`o Borrower 22,645.06 6113. Cash i o from Seller 54;117,76 El � t FM $WRO Patel Front Paid From An OinaTOO)ers folum: Borrowet-'s t.Seller°s to cdrwc9lrrkrtH€lrrtestead rrnrp Funds at Funds at to dwall rinkerHomteadGm1ufs Settlement Settlement Mrd at sattternent 395.40 8,500.00 ,eta in GDnaaction with Loan ,aatron charge (Includes Orrginabirrn Point 0.000%or 4.00) X4.40 (froM-UPE ) t 0s,change(prints)W ttre Spec&interest rate chosen ''M.19 (from GFE#2) rr u d o 1grr�on cfirargas (from GFE R) 939.19 ,Vpraisat fee to Howatd Hanna MotgageServices (farm GFE 93) 1 395.00 6875 reit to Howard tonna Servs (from.G 4 I A Tax serves to from GFE#3 807.. F€o l certification to Ft1Sl (from GFE 93) 13.00 us, in 900. darns R ulmd by Under to tte Paid in Allyance 901, Daily interest charges from from 06112121114 to 0710112014 g M.66001day (from GFE#10) 354;54 902 Mortgage insurar=Premium kr rwnft to De arttnent of HUD (ream GFE ) 2,677.50 903. Konvow-n&s insurance far 1 ears to State Farm $424.00 pO.0 (front GFE#11) 904, months to #rout H92-11L_ 1000. Rese os tt osfterl wO Lender 1401. Initial depossl for yrnn°eSAMW aMOUnt (from GFE#9) 1,584,86: 100Z Homeovmes insurance 4 srtrmft35.33 awth $141,32 1003.MWVge inwrance mrd 5 164511month S 1004_Property Wus months $ 0.0month $ 1405.County tis 6 months @$ 44 Mfmonth 7,12 1406.School tasres 14 monttrs IM$ j23.4w=nth S1.7MA4 '11707.Aggregate Adr�nt $-4.x"2.02 11110,Tifle t« ° s 1101.Tate services arrd lander s r to in uratce $ ffiorn GFE ft 1,555RO 35.011, 1102. Satoornent or dosing tees to $ 1103. Owner's Me Insurance-First Arnericarl`Title Insurance Cormany $ frorn GFE 195.04 : 1104. t endoes the insurance-First Americana T&insunince Company 51,18o,a) 1145. tender's tib poficy limit$155,677.00 hander`s Policy 1106. 0wrver's Ode policy firnii$774,000,00 Clwr 's P-Oiicyl 4200.Government RetorWi2g acrd Transfer Cha es 1201.Gouemment recor(firig charges $ (from GFE gn 170.44 1202,toed$67.00 Mortgage$103.00 Release 5 1203. Transfw taxos $ (fmm GFE#S) 1,700.00 17.04.City/County tw6famps Ind$9,700.44 l qe 5 1205, State Twdstun ss Deed$1„700.00 Me,�a S 1,7€0.00 F`7 Deed 5 Ma $ ortgage ante (2) 111.00 13M.Additional Seffleta ntCh 1301,Required ekes that year can shop for (Cram.Of#5) 1302.2014 G FIy1Twp Taces flue to Det west 8925 1303. Interim Cuurdy€T wp Taxes Due to.Debra West 288:24 1344. Interim 5R root Tars Due to Debra test 195:85 1305. HOA iniWation Fee to Eve ren HOA -00 1306. 1 tamer warranty to Fwst.American Home H ern Protector 20.0 1307. RW Sevier to,13711vat SpdAq Township Autho` 86• ,. 1308, Post Itt:-xe c4on to lns inn Center by Mid BiecNer Inc, $55.OD P.b.C,.B* 1109. Radon Mitigatlon to Mike Shnrtly 10,32440 Ery 750A `Paid outside of dosIntg by(8)orrawsw,(S)eller,(t,)wWar,(1)rtvestor,Bro(K)er,"Gredit by lender shown on pages 1.`Credit by selter:shown on Me 1. Previorxs e et onu are obsolete 6f ESTATE OF MAX D . MARBAIN NO . 21 - 1 3 -0994 ORRSTOWN BANK LETTER ORRSTO-WN BANK A Tradition of Excellence October 8,2013 McNees Wallace&Nurick LLC 100 Pine St P.O. Box 1166 Harrisburg, Pa 17108 Fax: 717-237-5300 Re: Estate of Max D. Marbain Social Security Number Date of death 09/09/2013 IT IS HEREBY CERTIFIED THAT THE ABOVE NAMED DECEDENT HAD THE FOLLOWING ACCOUNT WITH ORRSTOWN BANK: CHECKING ACCOUNT Account No.- 111001474 Account Type- Reward Checking Account Title- Max D. Marbain/Jessica L. Marbain Date Opened- 9/30/08 Joint Account(name/date)- Yes Max D. Marbain/Jessica L. Marbain 9/30/08 Balance- $343038,55 Account Interest- $17.84 YTD Interest- $ 295.90 2695 Philadelphia Avenue •Chambersburg, PA 17201 www.orrstown.coin OR-RSTO-WN BANK A Tradition of Excellence CHECKING ACCO UNT Account No, 111800036 Account Type- Business Money Market Account Title- Max D. Marbain Security Deposit Account Date Opened- 5/22/02 Joint Account (name/date)- No Max D. Marbain/Mary Ann Klementik(Authorized Signer)6/12/12 Balance- $4414.27 Account Interest- $0.12 YTD Interest- $39.27 CHECKING ACCOUNT Account No.- 111900082 Account Type- Free Business Checking Account Title- Old Field Partnership Date Opened- 4/22/02 Joint Account(name/date)- Yes Michael J. Greene(Partner)/Max D. Marbain (Partner) 5/15/02 Balance- $562.09 Account Interest- $0.00 YTD Interest- $ 0.00 CHECKING ACCOUNT Account No.- 111.900087 Account Type- Regular Business Checking Account Title- Max D. Marbain Date Opened- 5/22/02 Joint Account(name/date)- No Balance- $300.32 Account Interest- $0.00 YTD Interest- $ 0.00 2695 Philadelphia Avenue •Chambersburg, PA 17201 OR-RSTO-WN BANK A Tradition of Excellence CHECKING ACCOUNT Account No.- 111900321 Account Type- Free Business Checking Account Title- Max D. Marbain Rental Account Date Opened- 6/23/06 Joint Account(name/date)- No Max D. Marbain/Jessica L Marbain(Authorized Signer) 6/12/12 Balance- $5210.91 Account Interest- $0.00 YTD Interest- $ 0.00 CHECKING ACCOUNT Account No, 111900992 Account Type- Non Profit/Public Account Title- Greenfield Uplands Condominium Assoc. Date Opened- 12/01/11 Joint Account(name/date)- No Max D. Marbain(Authorized Signer)/Mary Ann Klementik(Authorized Signer)/Jessica L. Marbain (Authorized Signer 9/12/12) Balance- $94755.39 Account Interest- $7.27 YTD Interest- $307.80 **The decedent was only an authorized signer for the account owned by the Condominium Association. The funds held in the account were those of the Association not the decedent . 2695 Philadelphia Avenue 9 Chambersburg, PA 17201 A� OR-RSTO-WN BANK A Tradition of Excellence CHECKING ACCOUNT Account No.- 111900800 Account Type- Free Business Checking Account Title- Marbain Associates, Ltd. Date Opened- 3/20/09 Joint Account(name/date)- No Max D. Marbain(Authorized Signer)/Mary Ann Klementik (Authorized Signer) 5/12/09 Balance- $100.00 Account Interest- $0.00 YTD Interest- $0.00 COMMERCIAL LOAN Account No.- 1332820101 Account Type- CL 365/360 Variable Account Title- Max D. Marbain/Jessica L. Marbain Date Opened- 3/22/02 Joint Account(name/date)- Yes Max D. Marbain/Jessica L. Marbain Balance- $204303.90 YTD Interest Paid- $ 5053.68 *This loan was on the Summerfield real estate owned by Marbain Associates at the time of the decedent ' s death. 2695 Philadelphia Avenue •Chambersburg, PA 17201 46� OR-RSTO-WN BANK A Tradition of Excellence COMMERCIAL LOAN Account No, 1332826001 Account Type- CL Semi/Fix W/Floor Account Title- Max D. Marbain/Jessica L. Marbain Date Opened- 6/18/98 Joint Account(name/date)- Yes Max D. Marbain/Jessica L. Marbain Balance- $140870.95 YTD Interest Paid- $4522.65 COMMERCIAL LOAN Account No, 1332826002 Account Type- CL Semi/Fix W/Floor Account Title- Max D. Marbain/Jessica L. Marbain Date Opened- 11/04/99 Joint Account(name/date)- Yes Max D. Marbain/Jessica L. Marbain Balance- $151378.76 YTD Interest Paid- $4860.01 COMMERCIAL LOAN Account No.- 1332826003 Account Type- CL Semi/Fix W/Floor Account Title- Max D. Marbain/Jessica L. Marbain Date Opened- 11/02/00 Joint Account(name/date)- Yes Max D. Marbain/Jessica L. Marbain Balance- $151378.76 YTD Interest Paid- $4860.00 2695 Philadelphia Avenue •Chambersburg, PA 17201 AVAI� OR-RSTO-WN BANK A Tradition of Excellence COMMERCIAL LOAN Account No.- 1332826004 Account Type- CL Semi/Fix W/Floor Account Title- Max D. Marbain/Jessica L. Marbain Date Opened- 11/02/00 Joint Account(name/date)- Yes Max D. Marbain/Jessica L. Marbain Balance- $158892.49 YTD Interest Paid- $5101.23 COMMERCIAL LOAN Account No.- 1332826005 Account Type- CL Semi/Fix W/Floor Account Title- Max D. Marbain/Jessica L. Marbain Date Opened- 11/02/00 Joint Account(name/date)- Yes Max D. Marbain/Jessica L. Marbain Balance- $158892.48 YTD Interest Paid- $ 5101.23 COMMERCIAL LOAN Account No.- 1332826006 Account Type- CL Semi/Fix W/Floor Account Title- Max D. Marbain/Jessica L. Marbain Date Opened- 12/20/01 Joint Account(name/date)- Yes Max D. Marbain/Jessica L. Marbain Balance- $166721.32 YTD Interest Paid- $ 5352.58 Best Regards, Kim�erly oyer Deposit Processing Clerk ***These 6 loans were on the real estate owned individually by the decedent and reported on Schedule A, Item 1 . 2695 Philadelphia Avenue •Chambersburg, PA 17201 ESTATE OF MAX D . MARBAIN NO . 21 - 1 3 -0994 COPY - PNC ACCOUNT INFORMATION , JOINT NOTICE & DISCLAIMER Dec, 4, 2013 3:OOPM PNC Bank No, 1118 P. 1/1 December 4, 2013 .Linda M Eshelman McNees, Wallace &Nurick LLC 100 Pine St PO Box 1166 Harrisburg, PA 17108-1166 RE: Name: Max D Marbain SSN: DOD: 09-09-2013 Dear Sir/Madam: In response to your request for Date of Death(DOD)balances for the customer noted above,our records shove the following: Checking Account Account#5070115834 Established: 06-06-2012 MAX D MARBAIN JESSICA MARBAIN MARY A KLEMENTIK DOD balance: $ 65,257.57+0.47 accrued interest Interest paid 01-01-2013 thru 09-09-2013 S 4.21 YTD Please note that this office provides date of'death balances for deposit accounts(IRAs,CDs,Checking and Savings). We do not process any financial transactions or provide statements, If yov need assistance with any of these items,please call 1-888-PNC-BANK(1-888-762-2265)or stop by your local PNC Bank branch office. Sincerely, National Financial Services Center PNC Bank,N.A. Member FDIC This message is intended for the use of the individual or entity to which it is addressed and may contain information that is privileged, confidential and exempt from disclosure under applicable law. 1f the reader of this message is not the intended recipient or the employee or agent responsible for delivering this message to the intended recipient,you are hereby notified that any dissemination, distribution or copying of this communications is strictly prohibited, If you have received this communication in error,please notify me immediately by reply or by telephone at$00-762-1775 and immediately destroy this farted document, Page 1 of 1 BUREAU OF INDIVIDUAL 1AXES Pennsylvania Inheritance Tax pennsy vania PD Box 280601 DEPARTMENT or REVENUE HARRISBURG FA 17128.0601 Information Notice xFr-1 Sci EX nacExFc s&e12? And Taxpayer Response RILE NO.2113-0994 AGN 13168441 DATE 12-16.2013 Type of Account Estate of MAX D MARBAIN Savings SSN Checking Date of Death 09-09-2013 Trust MARY A KLEMENTIK County CUMBERLAND Certificate 31 LONGWOOD DR MECHANICSBURG PA 17050-7970 t PNC BANK NA provided the department with the information below indicating that at the death of the above-named decedent you were a joint owner or beneficiary of the account identified. Remit Payment and Forms to: Account No.5070115834 Date Established 12-30.1885 REGISTER OF WILLS Account Balance $65,257.57 1 COURTHOUSE SQUARE Percent Taxable X 16.667 CARLISLE PA.17013 Amount Subject to Tax $ 10.876.48 Tax Rate X 0.150 Potential Tax Due $1,631.47 NOTE': If tax payments are made within three months of the decedent's date of death,deduct a 5 percent discount on the tax With 5%Discount(Tax x 13.95} $(see NOTE*) due. Any inheritance tax due will become delinquent nine months after the date of death. PART Step 1 . Please check the appropriate boxes below. 1 A No tax is due. I am the spouse of the deceased or ! am the parent of a decedent who was 21 years old or younger at date of death. Proceed.to Step 2 on reverse. Do not check any other boxes and disregard the amount shown above as Potential Tax Due. B The information is The above information is correct,no deductions are being taken,and payment will be sent correct. with my response. Proceed to Step 2 on reverse. Do not check any other boxes. C F—]The tax rate is incorrect. 4.5% 1 am a lineal beneficiary(parent,child,grandchild,etc.)of the deceased. (Select correct tax rate at .right,and complete Part 17 12% 1 am a sibling of the deceased. j 3 on reverse.) 715% All other relationships(including none). D E]Changes or deductions The information above is incorrect and/or debts and deductions were paid. listed. Complete Pari 2 and part 3 as appropriate on the back of this form. E Xll sset will be reported on The above-Identified asset has been or will be reported and tax paid with the PA Inheritance Tax heritance tax form Return filed by the estate representative. REV-1500. Proceed to Step 2 on reverse. Do not check any other boxes. Please sign and date the back of the form when finished. i PART Debts and Deductions 2 Allowable debts and deductions must meet both of the following criteria: A. The decedent was legally responsible for payment,and the estate is insufficient to pay the deductible items. B. You paid the debts after the death of the decedent and can furnish proof of payment if requested by the department. (if additional space is required,you may attach 81,12"x 11"sheets of paper.) Date Paid Payee Description Amount Paid Total (Enter on Line 5 of Tax Calculation), _ $ PART Tax Calculation 3 If you are making a correction to the establishment date(Line 1)account balance(Line.2),or percent taxable(Line 3), please obtain a written correction from the financial institution and attach it to this form. 1. Enter the date the account was established or titled as it existed at the date of death. 2. Enter the total balance of the account including any Interest accrued at the date of death. 3. Enter the percentage of the account that is taxable to you. a. First,determine the percentage owned by the decedent. i. Accounts that are held"in trust for"another or others were 10010/0 owned by the decedent. if. For joint accounts established more than one year prior to the date of death, the percentage taxable is 100%divided by the total number of owners including the decedent. (For example:2 owners=50%,3 owners=33.33%.4 owners =25%,etc.) b. Next,divide the decedent's percentage owned by the number of surviving owners or beneficiaries. 4. The amount subject to tax is determined by multiplying the account balance by the percent taxable. 5. Enter the total of any debts and deductions claimed from Part 2. 6. The amount taxable is determined by subtracting the debts and deductions from the amount subject to tax. 7. Enter the appropriate tax rate from Step 1 based on your relationship to the decedent. If indicating a different tax rate,please state 1Off ci1—Of Utq O�ly ED AAF your relationship to the decedent: � , PA Depa-,rt Ment of-Re.venue. 1. Date Established i 2. Account Balance 2 $ PAD 3. Percent Taxable 3 X 2 4. Amount Subject to Tax 4 $ 3 5. Debts and Deductions 5 - 4 6. Amount Taxable 6 $ 5 7. Tax Rate 7 X 8. Tax Due 8 $ 9. With 5%Discount(Tax x.95) 9 X Step 2: Sign and date below. Return TWO completed and signed copies to the Register of Wills listed on the front of this form, along with a check for any payment you are making. Checks must be made payable to"Register of Wills,Agent.' Do not send payment directly to the Department of Revenue. Under penalty of perjury, I declare that the facts I have reported above are true,correct and complete to the best of my knowledge and belief. Work '7 Z -7 1(2-6 - L9 V G X41'0, Horne -7 AV_ Taxpayer�Signature Telephone Number Date IF YOU NEED FURTHER ASSISTANCE, CONTACT PENNSYLVANIA DEPARTMENT OF REVENUE DISTRICT OFFICE, OR THE INHERITANCE TAX DIVISION AT 717-787-8327. SERVICES FOR TAXPAYERS WITH SPECIAL HEARING AND/OR SPEAKING NEEDS ONLY: 1-800-447-3020 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION Estate of MAX D. MARBAI N No. 2013-00994 Late of Upper Allen Township, Deceased DISCLAIMER OF INTEREST PURSUANT TO CHAPTER 62 OF THE PENNSYLVANIA PROBATE, ESTATES AND FIDUCIARIES CODE, SECTION 9116(c) OF THE PENNSYLVANIA INHERITANCE TAX ACT, AND SECTION 2518 OF THE INTERNAL REVENUE CODE 1. Max D. Marbain (the "Decedent") died on September 9, 2013 leaving a Last Will and Testament that was admitted to probate by the Register of Wills of Cumberland County. 2. Mary Ann Klementik (the "Disclaimant") irrevocably disclaims and renounces the following interest to which she would otherwise be entitled to upon the death of the Decedent: (a) the survivorship interest to which the Disclaimant, as a surviving joint co- tenant, would succeed by operation of law upon the death of the Decedent, in the following account: PNC Bank Checking Account No. 5070115834 titled in the names of the Decedent, Jessica Marbain, and Mary Ann Klementik, being held as joint owners with right of survivorship. 3. Section 6201 of the Pennsylvania Probate, Estates and Fiduciaries Code (20 Pa. C.S. § 6201) provides that any person to whom an interest in property would have devolved may disclaim that person's interest in whole or in part by a written disclaimer that (a) describes the interest disclaimed, (b) declares the disclaimer and extent thereof, and (c) is signed by the disclaiming person. 4. Disclaimant has been advised of the legal and tax consequences of executing this Disclaimer. 5. Disclaimant therefore does hereby and forever irrevocably disclaim, renounce, and refuse to accept all right, title, and interest that Disclaimant does or may have in PNC Bank Checking Account No. 5070115834. 6. It is the intent of Disclaimant that this Disclaimer constitute a qualified disclaimer under law, including Chapter 62 of the Pennsylvania Probate, Estates and Fiduciary's Code, section 9116(c) of the Pennsylvania Inheritance Tax Act (72 P.S. § 9116(c)), and section 2518(b) of the Internal Revenue Code of 1986 (26 U.S.C. § 2518(b)), and that it and all of its provisions be so interpreted. IN WITNESS WHEREOF, intending to be legally bound and intending to comply with all provisions concerning the validity of this Disclaimer, Disclaimant has hereunto set her hand and seal this �'"�day of February, 2014. WITNESS: DISCLAIMANT: /,lg� Mary An lementik COMMONWEALTH OF PENNSYLVANIA �� �` SS: COUNTY OF 1tto (' 6jLL ft1\0 On this, the 26r'day of February, 2014, personally appeared Mary Ann Klementik, known to me to be the person whose name is subscribed to the foregoing Disclaimer and acknowledged that she executed the same for the purposes therein specified and further stated that he desired that such Disclaimer be recorded as such to the xtent required by law. IN WITNESS WHEREOF, I have hereunto set my han a d Notarial seal. COMMONWEALTH OF PENNSYLVANIA Notarial Seal Unda M.Eshelman,Notary Public ! City of Harrisburg, Dauphin County Notary Public My.Comnlltsion spires Od. 19,2017 2 ESTATE OF MAX D . 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Z cn 04 43 a g, 12 tc-) z M Ct) It a v z z 2 a Z; 00 ia CL 4� a! n CL ca r jlo z — M C4ori 'p 03 - 0 cr (D 0) "C 0, Zi g*L F C7 A) CL = >. > a is u :? j5. IIt eft = cr :1(D C, 0 0 cr it ?b CL c 0 > —, M 0 Z. -- (D Ic e a Ab Q c y a a a CD 'IS i4chia WG? a tT 'S CL t. a; C5 C Cp cn a ir 4Z 9L 0 Q RL cCL CD '0 at 2 IFm ID c cx a' CL CL r m m 10 43 M, OD ell, (D GY rb LLI 0 CL SU JZ cri CL It o a rs*'It . 2 �R 0 �* r- a z � -o - ir 1 2 —9 j f i' ;a 0 I = IC b Ih 0 ,Ao i5 Q a SL Ln to 69 ro d Ch CL 696q :-Il� rj w ftj co .0 N 0 zr CJ co to 00 0 N 00 m� � a c a o n n O.� C ID �a 0 dam c3 a� m zm �y.m ;n 3 m s� N m 0 c c n 0 c m a m w m 0 a an c v^, m 0 n c m m zy w m m x A m 6 r 3. K 7 a n m '1! 9 n 0 q ESTATE OF MAX D . MARBAIN NO . 21 - 1 3 -0994 M T BANK LOAN INFORMATION TURN PORT 'VaS PAGE WITH PAYMENT BY T 9-0 ION OF g T-1 ------------- 000-0030-460 9/03/2013 9/30/2013 (S889,969.79 3.43755 $2,379.44 INTEREST ........................................10/01/2,013 $0.00 ESCROW $2,379.44 TOTAL $2,379.44 TOTAL INT DUE 14 ........... WE APPRECIATE THE OPPORTUNITY TO MEET YOUR CREDIT NEEDS. 1ACCOUNT INVOICE COMMERCIAL LOAN MAX 0 MAR0 - 9 NUMBER 1310406751 INVOICE DATE 9116/201 11-65651 3 PAGE I of I C LN4VI-7 MANUFACTURERS AND TRADERS TRUST COMPANY 1002 NORTH 7TH ST.,HARRISBURG,PA 17102 on the Bridges Development 01. 2013. — - - r..�. : ,�=.y.r,:�,::. :.:< �.:•�:. r:,.4.. - ::ate. .,��..,,n r::r�r::�:.:, _ �,. � _.,,-� V;;f,�;.a •.z;�:s� :i��.:rr_'•�:•F<]% :o-.�YCS]:� _,x•,. .'.`fx':`-+R:.:.•?ave:%%•a^,A:/::.:.s:�.�yw��i:�.hy r,r ;:c+Y.?a:: .`i��„�ctii?i:+�•�•: X t5q .2� ru:.�+:�a�•r,:�_. r3 �Sl i��r,7r}:.c.. n..c „�,.fir::+: r'i:; ,• - •r�sF•�,rryd:•i,.� �•� �n:�'a�c.r��d ,t`�+war +r i srr.�r .4�,; :L' _ ,..'vF,.r c. :� ��yy7�Q�+��- y`._ - yf7���' -'�=;-t%'�`y,Y �..E''+e•"-r r �.{���.,,,g ,�"'r"'2Y.r`3 a"a +�5�, �� �tti}'�lr y '�'�`f- ra++�� � �_er`�F'?Escc ta•=— - -„:h•..•r.:1v: -r1'7''3 =.:�_-' .,,a+?-ti��'c�rrr t e;;r,.�.t.',a:-r.�.. 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ACCOUNTNVOICE COMMERCIAL LOAN IMAX D MARBAi NU R0--0020397-5NIUMBER .1' i INVOICE DATE " 2 14-6%51 PAGE 1 of 1 CLNN1.7 r sry:ss MANUFACTURERS AND TRADERS TRUST COMPANY 1001 NORTH 7TH ST., HARRISBURG, PA 17102 **on Evergreen II development ESTATE OF MAX D . MARBAIN NO . 21 - 1 3 -0994 SUSQUEHANNA BANK LOAN INFORMATION Susquehanna October 7,2013 Susquehanna Bancshares,Inc. 26 North Cedar Street P.O. Box 1000 Lititz, PA 17543-7000 Tel 1.800.311.3182 MCNEES WALLACE&NURICK LLC Fax 717.625.4478 100 PINE STREET P.O.BOX 1166 HARRISBURG PA 17108-1166 RE: Max D.Marbain Estate DOD: 09/09/2013 SS#: Tracking# 341329 To Whom It May Concern: In response to your letter of October 3,2013,here is the above customer account information as of September 9,2013. Account#I Account#2 Account#3 • Account Title: Max D Marbain Jessica L Marbain Jessica L Marbain Max D Marbain Mary A Klementik POA • Account Type/# MMDA Loan 10011450805 601179 • Date Opened/Maturity 12/04/12 4/04/12 4/15/19 • Interest Rate: 0.40% 4.25% • Account Balance*: $127,409.81 $551,269.24 • Accrued Interest: $26.53 $0.00 • YTD Interest: $360.71 $0.00 *Account balance does not include accrued interest. ® There is no safe deposit box in the name of the decedent. ❑ There is a safe deposit box# 0 in the name of the decedent located at the branch name. If I can be of further assistance,please feel free to call. Dawn M Berrier Susquehanna Bank Deposit Research-Reporting Department Lead 1-717-625-6546 DMB/csr