HomeMy WebLinkAbout01-28-15 jpennsylvania
1505618601 4w46417 3.000
DEPARTMENT OF R EVE NUEEX I03-14>(TP) .
REV-1500
E —1500 OFFICIAL USE.ONLY
Bureau of Individual Taxes County Code .Year File Number
PO BOX 280601 INHERITANCE TAX RETURN 21-14-0461
Harrisburg, PA 97128-0601 RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW
Social Security Number Date of Death MMDDYYYY Date Of Birth ' MMDDYYYY
04282014 05291929
Decedent's Last Name Suffix Decedent's First Name MI
WIRE ETHEL R
(1f Applicable) Enter Surviving Spouse's Information Below
Spouse's Last Name ; Suffix Spouse's First Name MI
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
FILL IN APPROPRIATE OVALS BELOW
® 1. Original Return 2. Supplemental Return 3. Remainder Return(date of death
prior to 12-13=82)
El4. Agriculture Exemption(date of 0 5. Future Interest Compromise(date of 6 Federal Estate Tax Return Required
death on or after 7-1-2012) death after 12-12-82) I
❑X 7. Decedent Died Testate 8. Decedent Maintained a Living Trust 9. Total Number of Safe Deposit Boxes
(Attach copy'of will.) (Attach copy of trust.)
El10. Litigation Proceeds Received 11. Non-Probate Transferee Return 12. Deferral/Election of Spousal Trusts
(Schedule F and G Assets Only)
0 13. Business Assets ❑` 14. Spouse is Sole Beneficiary
(No trust involved)
CORRESPONDENT- THIS SECTION MUST BE COMPLETED.ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
RALPH W. WIRE, JR. 717-761-8072
First Line of Address
19 SOUTH '19TH STREET ,
Second Line of Address
City or Post Office State ZIP Code
CAMP HILL PA 17011
Correspondent's email address: bill@ rwwaCpas :Com
REGISTER OF WILLS USE ONLY
r^�3
REGISTER OF WILLS USE ONLY 17
DATE FILED MMDDYYYYrr
U �O
DATE=FILED STAMP CX)
e J C, >7 ,-q 1 I
rn -
PLEASE USE ORIGINAL FORM ONLYr-
Side 1
111111 IIIII IIIII IIIII IIIII IIIII IIIII IIIII IIIII
11111 1111 IN s.
1505618601 1505618601 j
1505618619
REV-1500 EX(TP)
Decedent's Social Security Number
Decedent's Name:ETH EL R WIRE
RECAPITULATION
1. Real Estate(Schedule A) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1. 140000. 00
2. Stocks and Bonds(Schedule B), . . . . . . . . . . . . . . . . . . . . . . 2. 0. 00
4
3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C). . . . 3. 0. 00
4. Mortgages and Notes Receivable (Schedule D). . . . . . . . . . . . . . . . . . 4. 0. 00
5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E). . . . . 5. 20722. 88
6. Jointly Owned Property(Schedule F) F� Separate Billing Requested. . . . . .6. 0. 00,
7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property
(Schedule G) El Separate Billing Requested. . . .1. . 7. 13376, 51
8. Total Gross Assets(total Lines 1 through 7). . . . . . . . . . . . . . . . . . 8. 174099. 39
9. Funeral Expenses and Administrative Costs(Schedule H). . . . . . . . . . . . . 9. 5463• 42
10. Debts of Decedent, Mortgage Liabilities and Liens(Schedule 1) . . . . . . . . . 10. 104871. 61
11. Total Deductions(total Lines 9 and 10). . . . . . . . . . . . . . . . . . . . . 11. 110335. 03
12. Net Value of Estate(Line 8 minus Line 11) . . . . . . . . . . . . . , , , 12. 63764. 36
13. Charitable and Governmental Bequests/Sec.9113 Trusts for which
an election to tax has not been made(Schedule J) . . . . . . . . . . . . . . . 13. 0. 00
14. Net Value Subject to Tax(Line 12 minus Line 13). . . . . . . . . . . 14. 63764, 36
TAX CALCULATION-SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate,or
transfers under Sec.9116
(a)(1.2)X.0 0. 00 15. 0. 00
16. Amount of Line 144t 63764. 36 16. 2869. 40
xable
at lineal rate x.o-
17. Amount of Line 14 taxable
at sibling rate X.12 i 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. 2869. 40
20. FILL IN THE BOX IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT ❑
Under penalties of perjury,I declare that I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief,
it is true, correQ1 and complete. Declaration of preparer other a person responsible for filling the return is based on all information of which preparer has
any knowle e.
SIGNATU E O �SPI I G R TURN T DATE
1/27/2015
ADDRESS
19 SOUTH 19TH STREET, CAMP HILL, PA 17011
SIGNATURE OF PREPARER OTHER THAN PERSON RESPONSIBLE FOR FILING THE RETURN DATE
ADDRESS
I''Id
15056I I19 Side 2 1505618619
6 4W4648 5.000
REV-1500 EX(TP) Page 3 File Number 21-14-0461 I
Decedent's Complete Address:
DECEDENTS NAME
ETHEL R WIRE
STREETADDRESS
2010.HARVARD AVENUE
CITY STATE ZIP '
CAMP HILL PA 17011-
Tax
7011-Tax Payments and Credits:
1. Tax Due(Page 2,Line 19) / (1> 2869.
2. Credits/Payments
A.Prior Payments 0•
B.Discount 0.
(See instructions.) Total Credits(A+B) (2) 0.
•� 3. Interest
4. If Line 2 is greater than Line 1 +Line 3;enter the difference.This is the OVERPAYMENT.
Fill in oval on Page 2,Line 20 to request a refund. (4) 0.
5. If Line 1 + Line 3 is greater than Lire 2,enter the difference.This is the TAX DUE. (5) I 2869.
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 . . . . . . . . . . . . . . . . . . . . . . . .❑ rI?I
b. retain the-right to designate who shall use the property transferred or its income . . . . . . . . . . .❑ r�71,.
c. retain a reversionary interest , , , , . .
, , . . . . . . . . . .❑
d. receive the promise for life of either payments,benefits or care? . . . . . . . . . . . . . . . . . . .❑
2. If death occurred after Dec. 12, 7982,did decedent transfer property within one year of death
without receiving adequate consideration?. . . . . ... . . . . . . . . . . . . . . . . . . . . . .❑ IN
3. Did decedent own an"in trust for"or payable-upon-death bank account or security at his or her death?. ,❑
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)].
O
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 step-parent 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.
n
4W4671 2.000
REV_,502 EX (12-12) SCHEDULE A
pennsylvania
DEPARTMENT OF REVENUE �/� /�
IN TAX RETURN RGML ES 1 ATE -
RESIDENTDECEDENT
ESTATE OF: FILE NUMBER:
ETHEL R WIRE ;;- 21-14-0461
All real property owned solely or as a tenant imcommon'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 ScheduleF.:
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
1.1 , REAL ESTATE (PERSONAL RESIDENCE) — 1401000.00
2010 HARVARD AVENUE
CAMP'HILL, PA 17011
—PJARCtL #01-22-0536-146
—.SEE. ATTACHMENT
I
r
1
TOTAL (Also enter on Line 1;Recapitulation.) $ 140,000.00
awasss 1.000 If more space is needed,use additional sheets of paper of the same size.
REV-1508 EX-(08-12)
Pennsylvania SCHEDULE.E
DEPARTMENT OF REVENUE CASH, BANK DEPOSITS & MISC.INHERITANCE TAX
-
RESIDENT EC ENTTURN. PERSONAL PROPERTY
ESTATE OF: FILE NUMBER:
ETHEL R WIRE 21-14-0461
Include the proceeds of litigation and the date the proceeds were received by the estate.
All ppoperty jointly owned with right of survivorship must be disclosed on Schedule F.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1. 1. CHECKING ACCOUNT 6,453.60
SANTANDER BANK
- A/C-41051138892
2. MONEY MARKET ACCOUNT 12,085.21 "
SANTANDER BANK
— A/C #233408,6614 -
3 1993 OLDSMOBILE CUTLASS SUPREME' SEDAN 500.00
— VIN 1G3WH54T5PD351090
4. REFUND PRO-RATA MEDICARE SUPPLEMENTARY INSURANCE PREMUIM 184.,07
— BANKERS LITE' & CASUALTY COMPANY (CARMEL, IN)
— RECEIVED 9/16/14 I
5. MISCELLANEOUS PERSONAL PROPERTY 1,500.00 '
r
0
TOTAL(Also enter on line 5,Recapitulation) $ 20,722.88
4W46AD 1.000 If more space is needed,use additional sheets of paper of the same size.
REV-1510 EX+(08-09) SCHEDULE G
;Pennsylvania
DEPARTMENT OF REVENUE, INTER-VIVOS TRANSFERS AND
INHERITANCE TAX RETURN - MISC. NON-PROBATE PROPERTY
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
ETHEL R WIRE 21-14-0461
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.
DESCRIPTIONiOF PROPERTY
ITEM INCLUDE THE NAME OFTFETRANSFEREE,THEIR RELATIONSHIP TODECEDENT AND DATEOFDEATH %OFDECD'S EXCLUSION TAXABLE
NUMBER THE DATE OFTRANSFER,ATfACHACOPY OFTHE DEED FOR REAL ESTATE.' ,VALUE OF ASSET INTEREST - IFAPPUCABLE VALUE
1.
SINGLE .PREMIUM DEFERRED ANNUITY 131376.51 100 N/A 13,376.51
—BANKERS LIFE `6 CASUALTY CO;
—POLICY`#7857217
—SEE ATTACHMENT
—PAYABLE TO DECEDENT'S GRANDSON
(JOSHUA C.,� HUTCHINSON)
Q
� I
o
r
I
TOTAL(Also enter on line 7,Recapitulation)$
13,376.5L
If more space is needed,use additional sheets of paper of the same size.
REv-1611 EX+`a8-'3' � SCHEDULE H
pennsylvania
DEPARTMENT OF REVENUE FUNERAL EXPENSES AND �
INHERITANCE TAX RETURN ADMINISTRATIVE COSTS \
RESIDENT DECEDENT - \
ESTATE OF FILE NUMBER
ETHEL R WIRE 21-14-0461
Decedent's debts must be reported on Schedule 1.
ITEM
NUMBER - DESCRIPTION AMOUNT
A. FUNERAL EXPENSES:
1. NEIL FUNERAL HOME/CAMP HILL, PA [pd 5/23/141 331.82
SUPPLEMENTARY COSTS, OVER AMOUNTS PREPAID BY DECEDENT
2. THE CAMERA BOX/CAMP HILL; PA [pd 5/23/141 212.00
PHOTOGRAPHIC ENLARGEMENTS) FOR FUNERAL CEREMONY
I
t ,
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:
3. Family Exemption: (If decedent's address is not the same as claimant's,attach e)planation.)
Claimant
Street Address
City State ZIP
1 p
Relationship of Claimant to Decedent
4. Probate Fees: 318.50
5. Accountant Fees:
6. Tax Return Preparer Fees:
7. WELLS FARGO REVERSE MTG. INTEREST, MIP & ADM. FEE (5/30/14) 210.53
8. WELLS FARGO REVERSE MTG. INTEREST, MIP & ADM. FEE (6/30/14) 209.22
9. WELLS FARGO REVERSE MTG. INTEREST, MIP & ADM. FEE (7/31/14) 207.87
10. WELLS-'FARGO REVERSE MTG. INTEREST, MIP & ADM. FEE (8/29/14) 209.95
11. WELLS FARGO REVERSE ATG. INTEREST, MIP & ADM. FEE (9/30/14) 210.32
12. WELLS FARGO REVERSE MTG;. INTEREST, MIP & ADM. FEE (10/9%14) 77.52
13. HAMBRIGHT & VORKAPICH/NEW CUMBERLAND, PA [p&' 5/23/141 240.00
LAWN SERVICE (5/8-6/12/14)
14. 21ST CENTURY INSURANCE/BOSTON, MA [pd 6/24/141 262.00
HOMEOWNER INSURANCE (5/21-10/9/14)
BALANCE - -SEE ATTACHMENT 2,973.69
TOTAL(Also enter on Line 9,Recapitulation) $ 5,463.42
4w46Ac 1.000 If more space is needed, use additional sheets of paper of the`same size. ,I
SCHEDULE H ESTATE OF ETHEL R WIRE FILE#21-14-0461
ITEM# DESCRIPTION AMOUNT
15. PA AMERICAN WATER/HERSHEY,PA(pd 5/23/141 $ 61.61
-WATER SERVICE(4/11-5/8/14)
16. UGI UTILITIES,INC./READING,PA[pd 5/23/14] 119.00
-EQUIPMENT SERVICE CONTRACT(5/29/14-5/28/15)
17. UGIUTILITIES,INC./READING,PA[pd 6/7/141 34.15
-GAS SERVICE(4/29-5/29/14)
18. PA AMERICAN WATER/HERSHEY,PA(pd 6/16/14] 35.05
-WATER SERVICE(5/9-6/9/14)
19. P.P.&L./ALLENTOWN,PA[pd 6/23/14] 73.41
-ELECTRIC SERVICE(5/15-6/15/14)
20. DIANE NEIPER,TAX COLLECTOR/CAMP HILL,PA[pd 7/7/14] 1,756.54
-SCHOOL REAL ESTATE TAXES(7/1/14-6/30/15)
21.' UGI UTILITIES,INC./READING,PA[pd 7/9/14] 28.41
-GAS SERVICE(5/29-6/27/14)
22. U-HAUL SALESkENTER/MECHANICSBURG;PA[pd 7/12/141 20.78
-CARDBOARD BOXES FOR HOUSE CLEAN-UP
23. PA AMERICAN WATER/HERSHEY,PA(pd 7/16/14] 35.05
WATER SERVICE(6/10-7/9/14)
24. P.P.&L./ALLENTOWN,PA(pd 7/22/14] 87.64
-ELECTRIC SERVICE(6/16-7/16/14)
25. CAMP HILL BORO/CAMP HILL,PA[pd 7/28/141 165.00
SEWER SERVICE(7/1-9/30/14)
26. UGI UTILITIES;INC./READING,PA[pd 8/5/141 28.16
-GAS SERVICE(6/28-7/29/14)
27. PA AMERICAN WATER/HERSHEY,PA(pd 8/14/14] 35.05
-WATER SERVICE(7/10-8/8/14)
28. P.P.&L./ALLENTOWN,PA[pd 8/18/141 72.95
-ELECTRIC SERVICE(7/16-8/14/14)
29. COMCAST/SOUTHEASTERN,PA[pd 8/22/14] 221.89
CABLE&TELEPHONE SERVICE(6/21-8/14/14)
30. UGI UTILITIES,INC./READING,PA[pd 9/8/14] 2719
-GAS SERVICE(7/30-8/27/14)
31. PA AMERICAN WATER/HERSHEY,PA(pd 9/15/141 36.08
WATER SERVICE(8/8=9/9/14)
32. P.P.&L./ALLENTOWN,PA[pd 9/22/141 73.54
-ELECTRIC SERVICE(8/14-9/15/14)
33. UGI UTILITIES,INC./READING,PA[pd 10/3/141 28.16
-GAS SERVICE(8/28-9/26/14)
34. PA AMERICAN WATER/HERSHEY,PA(pd 10/17/141 34.03
-WATER SERVICE(9/10-10/8/14)
PAGE TOTAL $2,973.69
REV-1512 EX-(12-12) SCHEDULE
pennSylvaania
DEPARTMENT OF REVENUE DEBTS OF DECEDENT,
INHERITANCE TAX RETURN MORTGAGE INABILITIES & LIENS
RESIDEW DECEDENT
ESTATE OF FILE NUMBER
ETHEL!R WIRE 21-14-0461
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. WELLS FARGO REVERSE MORTGAGE [pd 10/9/141 101,712.18
- A/C #357046
- MORTGAGE LIEN ON PERSONAL RESIDENCE
(2010 HARVARD AVE. , CAMP HILL, PA 17011)
- SEE ATTACHMENT
2. HEALTHSOUTH REHABILITATION HOSP./MECHANICSBURG, PA [pd 5/23/141 235.00
- MEDICAL DEDUCTIBLE TO FACILITATE RECEIPT OF EPIDURAL, PROCEDURE
WITH MAXIMI LIANBRAUN, III, 'MD (DUE TO MEDICARE'S REFUSAL
TO' ALLOW SERVICES WHILE BEING SERVICED BY VISITING NURSES) .
3. STREAM ENERGY/DALLAS, TX -[pd 5/23/14] 75.00
- ELECTRICITY SUPPLIER EARLY CANCELLATION FEE INCURRED 4/15/14
4. COMCAST/SOUTHEASTERN, PA [pd 5/23/141 222.81
CABLE & TELEPHONE SVCS (4/21-6/20/14)
5. P.P.&. L./ALLENTOWN, PA [pd 5/23/14] 81.47
- ELECTRIC SERVICE (4/15-5/14/14)
6. CAMP HILL BORO/CAMP HILL, PA [pd 5/23/14] 172.75
- SEWER SERVICE PLUS PENALTIES (4/1-6/30/14)
7. HOSPICE OF CENTRAL PA/HARRISBURG, PA [pd 5/23/141 1,875.00
- FINAL RESIDENTIAL HOSPICE CARE (4/24-4/28/14)
8. UGI UTILITIES, INC./READING, PA [pd 5/23/14] 101.11
- GAS 'SERVICE (3/29-4/28/14)
9. VERIZON/DALLAS, TX [pd 7/7/14] 267.79
UNRETURNED TELEVISION CONVERTER BOX FEE (INCURRED 4/2.1/1(4)
10. SPIRIT PHYSICIANS GROUP/CAMP HILL, PA ;[pd 8/1/141 40.07
DR.RICHARD PACZYNSKI HOSPITAL NEUROLOGICAL SERVICES (4/21/14)
11. PHYSICIANS OF REHAB, IND & SPINE MEDICINE, P.C. [pd 9/4/14] 88.43
- DR. MICHAEL LUPINACCI (OFFICE CALL 1/6/14'; MEDICARE DEDUCTIBLE
0
TOTAL(Also enter on Line 10,Recapitulation) $ 104 871.61
4W46AH 1,000 If more space is needed, insert additional sheets of the same size.
i
REV-1513 EX+(01-10) SCHEDULE J
Pennsylvania
DEPARTMENT OF REVENUE BENEFICIARIES
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF: FILE NUMBER:I
ETHEL R WIRE 21-14-0461
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS.OF PERSONS)RECEIVING PROPERTY �Uo Not List Trustees) OF ESTATE
TAXABLE DISTRIBUTIONS[Include'
outright spousal distributions and transfers under
Sec. 9116(a)(1.2).]
1.
JOSHUA C. HUTCHINSON GRANDSON 13,376.51
—74 STONEY BROOK ROAD
ORANGEVILLE, PA 17859-9017
—PROCEEDS OF ANNUITY AS REFELECTED ON
SCHEDULE G (BANKERS LIFE POLICY #7857217)
2. DIANNE L. HUTCHINSON DAUGHTER 50$ RESIDUAL
—191 D & H AVENUES
P.O. BOX 267
RIVERSIDE, PA 17868-0267
3. RALPH W. WIRE, JR. SON 50% RESIDUAL
—311 SOUTH ARCH STREET
bO CHANICSBURG, PA 17055-3808
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER SHEET,AS APPROPRIATE.
II NON-TAXABLE DISTRIBUTIONS
A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN:
B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS:
1.
i
d
TOTAL OF PART 11-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. $
If more space is needed,-use additional sheets of paper of the same size.
4 W 46AI 1.'000
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LAST WILL AND TESTAMENT
OF
ETHEL R. WIRE _: => CD
i7 C _z.
N Cn Ca
I, ETHEL R. WIRE, of the Borough of Camp Hill, Cumeerland �£bunty;l
Pennsylvania, declare this to be my last will and revoke any will
previously made by me.
ITEM I : I bequeath my wood carved statues of "John Alden" and
"Priscilla Mullens" to my daughter, DIANNE LUCILLE HUTCHINSON, or to
her issues, per stirpes.
ITEM II: I bequeath my entire doll collection to my son, RALPH
WILLIAM WIRE, JR. , provided he survives me.
ITEM III: I bequeath my Ben Franklin chair to my daughter,
DIANNE LUCILLE HUTCHINSON, or to her issue, per stirpes.
ITEM IV: I devise and bequeath all the rest., residue and remain-
der of my estate, of every nature and wherever situate, in equal
shares to such of my children, RALPH WILLIAM WIRE, JR._, and DIANNE
LUCILLE HUTCHINSON. Should any of my above named children predecease
me, I devise and bequeath the share of such child to his/her issue,.
per stirpes, living at the time of my death. Should any such child of
mine leave no issue living at the time of my death, I devise and
bequeath the share of such child to my issue, per stirpes, living at
the time of my death.
ITEM V: I appoint my son, RALPH WILLIAM WIRE, JR. , Executor of
this my last will. Should my son, RALPH WILLIAM WIRE, JR. , fail to
Page 1 of 4
qualify- .6r cease to act as Executor, I appoint my daught , IANNE
LUCILLE HUTCHINSON, ,Executrix of this my last will.
ITEM VI: No fiduciary acting hereunder shall .be required to post
bond .or enter security for the faithful performance of his/her duties
in any jurisdiction.
IN. WITNESS WHEREOF; I, ETHEL R. WIRE, have hereunto set my hand
and seal this =� � day of t`� :,,� .; . , 1996.
ETHEL R. -WIRE
SIGNED, " SEALED, PUBLISHED and DECLARED by ETHEL R. WIRE, the
Testatrix above named, as and for her Last Will and Testament, and in
the presence of us, who at her request, in her presence and'in the
pres of each other, have subscribed our names. as witnesses.
Wi ness Address
Jc
witness ` Address
Page, 2 of 4
Cpp
it as her free and voluntary act for the purposes therein r sed;
that each of us in the hearing and . sight of the Testatrix signed the
will as witnesses; that to the best of our knowledge, the Testatrix
was at that time eighteen or more years of age, of sound mind and
under no constraint or undue influence.
f
tness
Witness
Sworn to or affirmed to and acknowledged before me by
and
witnesses, this day of , 1996.
Notary Public
' �Yti•e: f S 1, r $ h Vlt F 4J4 f,� it
Ck
Page 4 of 4
1
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Colestock Appraisal Services
300 Glenn Road Camp Hill,PA 17011
9507527
File No.28421013
APPRAISAL OF
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SINGLE FAMILY APPRAISAL
LOCATED AT:
2010 Harvard Ave
Camp Hill,PA 17011
FOR:
Wells Fargo Reverse Mortgage-708
3480 Stateview Blvd
Fort Mill,SC 29715
BORROWER:
Ethel Wire
AS OF:
May 15,2014
BY:
Christopher M.Colestock
RL139151
300 Glenn Road,Camp Hill,PA 17011
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Colestock Appraisal Services
9507527
Uniform Residential Appraisal Report File No. 28421013
The purpose of this summary appraisal report is to provide the lender/client with an accurate,and adequately supported,opinion of the market value of the subject property.,
Property Address 2010 Harvard Ave city Camp Hill State PA Zip Code 17011
Borrower Ethel Wire Owner of Public Record Ethel Wire. County Cumberland
Leoal Description Deed Book 0035Q Page 00692
Assessor's Parcel# 01220536146 Tax Year 2014 R.E.Taxes E 2,493
Nei hborhood Name Cam Hill Boro Ma Reference METRO 2848 A3 Census Tract 0 105.00
rt Owner Tenant VacantS 22'Assessments E 0 PUD HOA S 0 ear per month
Property Rights A raised Fee Sime Leasehold Other.describe
Assignment TYpe U Purchase Transaction Refinance Transaction W Other describe Default
Lender/Client Wells Faro Reverse Mortgage-708 Address 3480 Stateview Blvd Fort Mill.SC 29715 l�
Is the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? LJ Yes W No r
Report data source(s)used,offering price(s),and date(s). Central Penn Multi-List
I Udid U did not analyze the contract for sale for the subject purchase transaction.Explain the results of the analysis of the contract for sale or why the analysis was not performed.
Contract Price S Date of Contract Is the property seller the owner of public record? Li Yes LJ No Data Source s
Is there any financial assistance goan charges,sale concessions,gift or downpayment assistance,etc.)to be paid by any party on behalf of the borrower? Yes No
If Yes,report the total dollar amount and describe the items to be paid.
Note:Race and the racial composition of the neicihborVood are not aDDraisal factors.
'Neiglltiortio'oii f�laracterisucs k k'„�- r '`$<OirrUnit#ibusing:r
Location U Urban W Suburban U Rural Property values LJ increasing Stable U DLcIimnq PRICE AGE One-Unit 75%
Built-U� Over 75% 25-75% Under 25% Demand/Suo I Shortage In Balance Over Supply 5 000 rs 2-4 Unit 5%
Growth
Rapid W Stable U Slow Marketin Time " Under 3 mths W 3.6 mths LI Over 6 mthc 100 Low 0 Multi-Family 5%
Neighborhood Boundaries To the North by Rte 11/15-To the South by Rte 581'To the East by 12th 575 High 200 Commercial 10%
St'To the West by 32nd St. 175 Pred. 60 other Vacant 5%
Neighborhood Description This suburban neighborhood has most public utilities available relatively easy access to employment and services
and is competitive with other neighborhoods in the general area. Most have similar.ammenities.Market acitivity indicates average or
better acce tance in the market place. No unfavorable factors were observed that would adversely affect market value.
Market Conditions(including support for the above conclusions) See Attached Addendum
Dimensions See Plat Map Area 9583 sf Shape Rectangular view N:Res;
Specific Zonin Classification R1 Zonin Desai lion Residential Sin le Famil
/zoning Com fiance Le al Le al Nonconforming Grandfathered Use No Zonin Ille al describe
Is the highest and best use of the subject property as improved(or as proposed per plans and specifications)the present use? W Yes LJ No if No.describe.
Utilities Public Other describe Public Otherdescribe Off-site Improvernents—Type Public Private
Electr200 AMPS Water Street As halt
Gas Sanitary Sewer Alley None Li U
FEMA Special Flood Hazard Area LJ Yes Lk No FEMA Flood Zone X FEMAMa # 42041 CO281 E 'FEMA Map Date 03/16/2009
Are the utilities and off-site improvements typical for the market area? W Yes LJ No If No describe.
Are there any adverse site conditions or external factors(easements,encroachments,environmental conditions,land uses.etc.)? LJ Yes W No II Yes,describe.
..- s�ffiGENE?2ALz1)SCRIPTIOAf r ,.�.,�., .;.n.. .,;i'oUNbATiON.s- .-' 77(TERI0134DESCRILTdDN .,matt sicondiaon 3N'TfRiOR ;.<?.mateiiats)etlndl5ofi.
Unit W One U One with Accessory Unit U Concrete Slab Crawl Space Foundation Walls Cone Block/Ave Floors C t/Vin-Ave
#of Stories 2 Full Basement Ll Partial Basement Exterior Walls Brick-Ave Walls Dry Wall-Ave
T e Det. UAtL. I IS-Det./EndUnit Basement Area 636 sq.it. Roof Surface Asphalt Sh-Ave Tnrn/Finish Wood-Ave
ExistinLJ Proposed LJ Under Const.. Basement Finish 0% Gutters&Downspouts Aluminum-Ave Bath Floor Vinyl-Ave
Design(Style)Cape Cod U Outside E /Exit LJ sump Pump Window Type Dbl Hung-Ave Bath Wainscot CT-Ave
Year Built 1952 Evidence of LJ Infestation Storm Sash/insulated Yes-Ave Car storacie LJ None
Effective Ace(Yrs)1 B Dam ness Settlement Screens Yes-Ave W Driveway #of cars 2
Attic LJ None Heatinil FWA HWBB I Ll Radiant Amenities WoodStove s•#0 on eway Surface Concrete
Dro Stair Stairs LJ Other I Fuel Gas U Fire laces#0 Fence None Gare e #of Cars 1
floor Scuttle Coolino entralAirCondroonin Patio/DeckRear Porch Front Car ort #of Cars 0
_ Finished Healed Individual - 1012, One Pool None Other None J Att. I J om I Built-in
A Iiances Refri erator Ran a/Oven Dishwasher I X I Disposal IXJMicrowave Washer) er Other describe
Finished area above grade contains: 6 Rooms 3 Bedrooms 1.0,Baths 1,056 Square Feet of Gross Living Area Above Grade
Additional features(special energy efficient nems,etc.). Nospecial energy efficient items observed. The subject features are typical of similar
movements in the area.
Describe the condition of the property(including needed repairs,deterioration,renovations,remodeling,etc.). C3'No updates In the prior 15 ears'The sub ect home is
in overall average condition.
Are there any physical deficiencies or adverse conditions that affect the livability,soundness,or structural integrity of the property? LJ Yes W No - If Yes,describe.
Does the property generally conform to the neighborhood(functional utility,style,condition,use,construction,etc.)? W Yes LJ No If No,describe.
Freddie Mac Fant 70 March 2005 IIAD Version 912011 Rocked icing A0 saftwme.600.2349727 ww keb.mm Fannie Mae Fam 1004 March 20D5
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Colestock Appraisal Services
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Uniform Residential Appraisal Report File No. 2.8421013
There are 7 com arable properties currently offered for sale in the sub'ect neighborhood ranging in price from E 149,000 to s 210,000 -
There are21 com arable sates in the sub'ect nei hborhood within the bast twelve months ran in in sale rice from S 100.000 to s 250,000
FEATURE SUBJECT COMPARABLE SALE NO.1 COMPARABLE SALE NO.2 COMPARABLE SALE NO.3
2010 Harvard Ave 47 S 18th St 2110 Logan St 1711 Dighton St
Address Camip Hill PA 17011 Camp Hill PA 17011 Camp Hill PA 17011 Camp Hill PA 17011
Proximity to Subject _ .,w.,. :1 0.26 miles E 0.44 miles NNW 0.73 miles N
$Sale Price $ 138,000 $ 141,000
Sale P cele ass Liv.Area $ 0 sq.tr s 150.67 sQ.R :::" .,_ .,.ji„i $ 132.69 s.h - $ 142.71 sq.R y
Data Source s a'^ CPMLS#10246328:DOM 19 CPMLS#10243950'DOM 121 CPMLS#10244505'DOM 84
Verification SDurce s r ,..:a'1 ” CPML Tax Records CPML Tax Records CPML Tax Records
VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION *1 SAd mnoa DESCRIPTION ..SAdumnedi DESCRIPTION ..SAdnsi
Sale or Financing ArmLth 0 ArmLth 0 AnnLth 0
yL
Concessions *, ,.:. Conv'4050 -4,050 Conv'0 0 FHA'5000 5.
Date ofSaleRme , ;.' .. :,`- s03/14:001/14 s03/14;cOl/14 s02/14:cDl/14
Location N:Res N;Res: MRes N'Res:
Leasehold/Fee Simple Fee Simple Fee Simple Fee Simple Fee Simple
Site 9583 sf 5663 sf 0 6534 sf 0 6098 sf 0
view N Res N Res: N'Res N Res'
Design s e DT2'Ca e Cod DT2;Ca e Cod DT1 Ranch 0 DT1:Ranch D
Quality of Construction Q4 04 Q4 Q4
Actual Age 62 74 4,050 58 0 58 0
Condition C3 C3 C3 C3
Above Grade Taal Rd-1 Barrs Taal Bdrms Baths total ednns Balhs Total Brims Bath
Room Count 6 3 1.0 5T 21 1.0 0 6 1 3 1 1.0
Gross Living Area 15 1 056 sq.ft. 896 sq.ft 2,400 1,040 sq.h. 0 988 sq.ft. 1,000
Basement&Finished 636sfOsffn 896sfOsfin 0 1040sfOsffn 0 988sf390sfin 0
Rooms Below Grade 1rrObrl.ObaOo -7000
Functional Lftilitv Avera a Avera a Average Avera e
Heating/CoolingHeating/Cooling HWBB None HWBB None - FWA C/Air -3.000 FWA C/Air -3,000
Energy Efficient Items None Noted None Noted None Noted None Noted
GaraQeCarport 1 a2dw 2dw 3,000 1c 2dw 1,500 1c 2dw 1,500
PorchlPado/Deck Porch Patio Porch,Deck0 Porch Patio Porch Patio
None None None 1 F/P Fence -4,000
Net Ad'ustmen(Total) = s 5,4001 E 1,500 5 16,500
Adjusted Sale Price
Net Adj. 4.0% Net Adj. -1.1% Net Adj. -11.7%
Of Com ambles z.»--r.:•-'- _:,-1s Gross Ad. 10.0% s 140 400 GrossA 3.3% s 136 500 Gnus . 15.2% $ 124,500
did LJ did not research the sate or transfer history of the subject property and comparable sales.If not,explain
My research did did not ney.al-any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal.
Daly sources CPMLS and Coun Records
M research did did not reveal an rior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale.
Data sources CPMLS and County Records
Report the results of the research and analysis of the Drior sale or transfer history of the sub ect property and com arable sales re ort additional Drior sales on Daoe 31.
ITEM SUBJECT COMPARABLE SALE NO,1 COMPARABLE SALE NO.2 COMPARABLE SALE NO.3
Date of Prior SalerTransfer -
Price of Prior Sale/Transfer
Data sources County Records County Records County Records County Records
Effective Date of Data Sources 05/15/2014 05115/2014 05/15/2014 05/15/2014
Analysis of prior sale or transfer history of the subject property and comparable sales NO sales listed in the last 3 Vears other than listed above.
Summary of Sales Comparison Approach. See Attached Addendum
Indicated Value by Sales Comparison Approach S 140,000
- Indicated Value by: Sales Comparison Aroach%140,000 Cost Approach if develo ed s 151,500 income A roach(ifdevelo etl)E
See Attached Addendum
This appraisal is made W"as is; LJ subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed,
❑subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed,or ❑subjectto the following required
inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: See Attached Addendum
• Based on a complete visual inspection of the interior and exterior areas of the subject property,defined scope of work.statement of assumptions and limiting.
conditions.and appraiser's certification,my(our)opinion of the market value,as defined,of the real property that is the subject of this report is% 140,000
asof 05/15/2014 which is the date of inspection and the effective to ofthis aporaisal. -
Freddie Mac Form 70 March 2005 UAD Version 42011 Rod xed sting Ad mhwae,80023411727~ac b.c m - Fannie Mae Fam 70D1 Mardi 2005
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CHRIS COLESTOCK
1
Colestock Appraisal Services
9507527
Uniform Residential Appraisal Report File ND. 28421013
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PJ�$O¢CH�.tQ, L
VAUE�inoT�e UrcPAI,,.:"as..�
Provide ade uate information for the lender/tient to replicate the below cost figures and calculations.
Support for the opinion of site value(summary of comparable land sales or other methods for estimating site value) The site value was estimated based On information
from the MLS service and the County tax assessment records.
ESTIMATED Lj REPRODUCTION OR W REPLACEMENT COST NEW OPINION OF SITE VALUE...... ...............................=S - 40.000
Source of cost data Marshall and Swift Dwelling 1,056 Sq.Ft.@ E 120............=E 126,720
Quality rating from cost service Average Effective date of cost data 05/15/2014 Bsmt:636 Sq.Ft.@$ 14............=E 8,904
Comments on Cost Ariroach(gross living area calculations depreciation,etc. Por,Pat 10,000,
kstimate'd
d Replacement Cost-New-of-Improvements is calculated Gara e]Ca ort 187 Sq.Ft.CD E 12...........=E 2,244
using Marshall and Swift Residential Cost Handbook and local Total Estimate of Cost-New ............=E 147,868
analysis. Estimated site value is based on local market Less 60 Physical Functional External
Depreciation is estimated usingthe economic age-life Depreciation $44,36 =E 44,3601
nd market analysis.No obsolescence was observed. Depreciated Cost of Improvements................................=E 103,508
"As-is"Value of She Improvements................................=S 8,000
mainin Economic Life HUD and VA onl - 42 Years INDICATED VALUE BY COST APPROACH...................... =8 151,500
�,�;�"..��§E„�, �... ....- �u.;:�,,`�„1:fNCDIuSEAP,PRbAC-H TO�+A`Ltr1E;•tmot:r"'�5iedb "Fa'ririie,Mae'"a,.,r,,..-..,.r .�. ._. � �` .
u ,xn
Estimated Monthly Market Rent S X Gross Rem Multiplier =E Indicated Value by Income Approach
Summary of Income Approach(including support for market rent and GRM)
Is the develo eribuilder in control of the Homeowners'Association(HOA)? LJ Yes No Unit e s Detached LJ Attached
Provide the following information for PUDs ONLY if the developer/builder is in control of the HOA and the subject Property is an attached dwelling unit.
Legal name of proiect
Total number of phases Total number of units Total number of units sold
_ Total number of units rented Total number of units for sale Data source(s)
Was the proiect created by the conversion of an existin buildis in
n to a PUD? Yes No If Yes date of conversion. _
Does the ro'ectcontain an mufti-dwellin units? Yes. No Data sources
Are the units,common elements,and recreation facilities complete? LJ Yes No If No,describe the status of completion.
Are the common elements leased to or by the Homeowners'Association? LJ Yes LJ No If Yes,describe the rental terms and options.
Describe common elements and recreational facilities.
Freddie Mac F=70 March 2005 UAD Version 912011 Roduced using AO wl—m M.2319727 www.adweb— Famde Mae Farts 1051 Mardi 20D5
Daya 3 016 1001 05UAD 12172113
Colestock Appraisal Services
9507527
Uniform Residential Appraisal Report File No.28421013
This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit;including a
unit in a planned unit development(PUD). This report form is not designed to report an appraisal of a manufactured home or a unit
in a condominium or cooperative project.
This appraisal report is subject to the following scope of work,intended use,intended user,definition of market value,statement of
assumptions and limiting conditions,and certifications. Modifications,additions,or.deletions to the intended use,intended user,
definition of market value,or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work
to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or
deletions to the certifications are also not permitted. However,additional certifications that do not constitute material alterations
to this appraisal report,such as those required by law or those related to the appraiser's continuing education or membership in
appraisal organization,are permitted. PY
SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the r r
reporting requirements of this appraisal report form,including the following definition of market value,statement of assumptions
and limiting conditions,and certifications. The appraiser must,at a minimum:(1)perform a complete visual inspection of the
interior and exterior areas of the subject property,(2)inspect the neighborhood,(3)inspect each of the comparable sales from at
least the street,(4)research,verify,and analyze data from reliable public and/or private sources,and(5)report his or her analysis,
opinions,and conclusions in this appraisal report.
INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of
this appraisal for a mortgage finance transaction.
INTENDED USER: The intended user of this appraisal report is the lender/client.
DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market
under all conditions requisite to a fair sale,the buyer and seller,each acting prudently,knowledgeably and assuming the price is
not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of
title from seller to buyer under conditions whereby:(1)buyer and seller are typically motivated;(2)both.parties are well informed
or well advised,and each acting in what he or she considers his or her own best interest;(3)a reasonable time is allowed for
exposure in the open market;.(4)payment is made in terms of cash in U.S.dollars or in terms of financial arrangements
comparable thereto;and(5)the price represents the normal consideration for the property sold unaffected by special or creative
financing or sales concessions`granted by anyone associated with the sale.
`Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are
necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area;these costs are readily
identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be
made to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already
involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the
financing or concession but the dollar amount of any adjustment should approximate the market's reaction to the financing or
concessions based on the appraiser's judgment.
STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report is subject to the
following assumptions and limiting conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title
to it,except for information that he or she became aware of during the research involved in performing this appraisal. The
appraiser assumes that the title is good and marketable and will not render any opinions about the title.
2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements. The
sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size.
3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency(or
other data sources)and has noted in this appraisal report whether any portion of the subject site is located in an identified Special
Flood Hazard Area. Because the appraiser is not a surveyor,he or she makes no guarantees,express or implied,regarding this
determination.
4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question,
unless specific arrangements to do so have been made beforehand,or as otherwise required by law.
5. The appraiser has noted in this appraisal report any adverse conditions(such as needed repairs,deterioration,the presence of
hazardous wastes,toxic substances,etc.)observed during the inspection of the subject property or that he or she became aware of
during the research involved in performing this appraisal. Unless otherwise stated in this appraisal report,the appraiser has no
knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property(such as,but not limited to,
needed repairs,.deterioration,the presence of hazardous wastes,toxic substances,adverse environmental conditions,etc.)that
would make the property less valuable,and has assumed that there are no such conditions and makes no guarantees or
warranties,express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or
testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of
environmental hazards,this appraisal report must not be considered as an environmental assessment of the property.
6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory
completion,repairs,or alterations on the assumption that the completion,repairs,or alterations of the subject property will be
performed in a professional manner.
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Uniform Residential Appraisal Report HeND: 28421013
APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:
1. 1 have,at a minimum,developed and reported this appraisal in accordance with the scope of work requirements stated in this
appraisal report.
2. 1 performed a complete visual inspection of the interior and exterior areas of the subject property.I reported.the condition of.
the improvements in factual,specific terms.I identified and reported the physical deficiencies that could affect the livability,
soundness;or structural integrity of the property.
3. 1 performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice
that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the
time this appraisal report was prepared.
4. 1 developed my opinion of the market value of the real property that is the subject of this report based on the sales compa rselr�J
approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for this apprais
assignment. I further certify that I considered the cost and income approaches to value but did not develop them,unless otherw
indicated in this report.
5. 1 researched,verified,analyzed,and reported on any current agreement for sale for the subject property,any offering for sale
of the subject property in the twelve months prior to the effective date of this appraisal,and the prior sales of the subject property
for a minimum of three years prior to the effective date of this appraisal,unless otherwise indicated in this report.
6. 1 researched,verified,analyzed,and reported on the prior sales of the comparable sales for a minimum of one year prior to the
date of sale of the comparable sale,unless otherwise indicated in this report.
7. 1 selected and used comparable sales that are locationally,physically,and functionally the most similar to the subject property.
8. [have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home
that has been built or will be built on the land.
9. 1 have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject
property and the comparable sales.
10. 1 verified,from a disinterested source,all information in this report that was provided by parties who have a financial interest in
the sale or financing of the subject property.
11. 1 have knowledge and experience in appraising this type of property in this market area.
12. 1 am aware of,and have access to,the necessary and appropriate public and private data sources,such as multiple listing
services,tax assessment records,public land records and other such data sources for the area in which the property is located.
13. 1 obtained the information,estimates,and opinions furnished by other parties and expressed in this appraisal report from
reliable sources that I believe to be true and correct.
14. 1 have taken into consideration the factors that have an impact on value with respect to the subject neighborhood,subject
property,and the proximity of the subject property to adverse influences in the development of my opinion of market value. I have
noted in this appraisal report any adverse conditions(such as,but not limited to,needed repairs,deterioration,the presence of
hazardous wastes,toxic substances,adverse'environmental conditions,etc.)observed during the inspection of the subject property
or that I became aware of during the research involved in performing this appraisal. I have considered these adverse conditions in
my analysis of the property value,and have reported on the effect of the conditions on the value and marketability of the subject
property.
15. 1 have not knowingly withheld any significant information from this appraisal report and,to the best of my knowledge,all
statements and information in this appraisal report are true and correct.
16. 1 stated in this appraisal report my own personal,unbiased,and professional analysis,opinions,and conclusions,which are
subject only to the assumptions and limiting conditions in this appraisal report.
17. 1 have no present or prospective interest,in the property that is the subject of this report,and I have no present or prospective
personal interest or bias with respect to the participants in the.transaction. I did not base,either partially or completely,my
analysis and/or opinion,of market value in this appraisal report on the race,color,religion,sex,age,marital status,handicap,
familial status,or national origin of either the prospective owners or occupants of the subject property or of the present owners or
occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law.
18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned
on any agreement or understanding,written or otherwise,that I would report(or present analysis supporting)a predetermined
specific value,a predetermined minimum value,a range or direction in value,a value that favors the cause of any party,or the .
attainment of a specific result or occurrence of a specific subsequent event(such as approval of a pending mortgage loan
application).
19. 1 personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I relied on
significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or the
preparation of this appraisal report,I have named such individual(s)and disclosed the specific tasks performed in this appraisal
report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to
any item in this appraisal report;therefore,any change made to this appraisal is unauthorized and I will take no responsibility for it.
20. 1 identified the lender/client in this appraisal report who is the individual,organization,or agent for the organization that ordered
and will receive this appraisal report.
21. The lender/client may-disclose or distribute this appraisal report to:the borrower;another lender at the request of the borrower;
the mortgagee or its successors and assigns;mortgage insurers;government sponsored enterprises;other secondary market
participants;data collection or reporting services;professional appraisal organizations;any department,agency,or instrumentality
of the United States;and any state,the District of Columbia,or other jurisdictions;without having to obtain the appraiser's or
supervisory appraiser's(if applicable)consent. Such consent must be obtained before this appraisal report may be disclosed or
distributed to any other party(including,but not limited to,the public through advertising,public relations,news,sales,or other
media).
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22. 1 am aware that any disclosure or distribution of this appraisal.report by me or the lender/client may be subject to certain laws
and regulations. Further,I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that
pertain to disclosure or distribution by me.
23. The borrower,another lender at the request of the borrower,the mortgagee or its successors and assigns,mortgage insurers,
government sponsored enterprises,and other secondary market participants may rely on this appraisal report as part of any
mortgage finance transaction that involves any one or more of these parties.
24. If this appraisal report was transmitted as an"electronic record"containing my"electronic signature,"as those terms are .
defined in applicable federal,and/or state laws(excluding audio and video recordings),or a facsimile transmission of this appraisal
report containing a copy or representation of my signature,the appraisal report shall be as effective,enforceable and valid as if
paper version of this appraisal report were delivered containing my original hand written signature. P
25. Any intentional or negligent misrepresentation(s)contained in this appraisal report may result in civil liability and/or crimin WQP
Y
penalties including,but not limited to,fine or imprisonment or both under the provisions of Title 18,United States Code,Sectio
1001,et seq.;or similar state laws.
SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that:
1. 1 directly supervised the appraiser for this appraisal assignment,have read the appraisal report,and agree with the appraiser's
analysis,opinions,statements,conclusions,and the appraiser's certification.
2. 1 accept full responsibility for the contents of this appraisal report including,but not limited to,the appraiser's analysis,
opinions,statements,conclusions,and the appraiser's certification.
3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser(or the
appraisal firm),is qualified to perform this appraisal,and is acceptable to perform this appraisal under the applicable state law.
4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and
promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal
report was prepared.
5. If this appraisal report was transmitted as an"electronic record"containing my"electronic signature,"as those terms are
defined in applicable federal and/or state laws(excluding audio and video recordings),or a facsimile transmission of this appraisal
report containing a copy or representation of mysignature,the appraisal report shall be as effective,enforceable and valid as if a
paper version of this appraisal report were delivered containing my original hand written signature.
APPRAISER SUPERVISORY APPRAISER(ONLY IF REQUIRED)
Signature r Signature
Name Christopher M.Colestock Name
Company Name Colestock Appraisal Services Company Name
Company Address 300 Glenn Rd Company Address
Camp Hill,PA 17011
Telephone Number 7177325515 Telephone Number
Email Address cole96(acomcast.net Email Address
Date of Signature and Report 05/15/2014 Date of Signature
Effective Date of Appraisal 05/15/2014 State Certification#
State Certification#RL139151 or State License#
or State License# State
or Other(describe) State# Expiration Date of Certification or License .
State PA
Expiration Date of Certification or License 06/30/2015
ADDRESS OF PROPERTY APPRAISED SUBJECT PROPERTY
2010 Harvard Ave ❑Did not inspect subject property
Camp Hill,PA 17011 ❑Did inspect exterior of subject property from street
Date of Inspection
r APPRAISED VALUE OF SUBJECT PROPERTY$140,000 ❑Did inspect interior and exterior of subject property
Date of Inspection
LENDER/CLIENT
Name Servicel-ink COMPARABLE SALES
Company.Name Wells Fargo Reverse Mortgage-708 ❑Did not inspect exterior of comparable sales from street
Company Address 3480 Stateview Blvd ❑Did inspect exterior of comparable sales from street
Fort Mill,SC 29715 Date of Inspection
Email Address
Freddie Mac Fm 70 March 2005 UAD Version 92011 - Roduc i g AO W.—M292727chb.— Farmie We Fm 1DD4 Mardi 2005
Paye 6016' - 100105UAD 12172013
CHRIS COLESTOCK
$ANKERS
LIFE AND CASUALTY COMPANY
P.O.Box 1938
Carmel.IN 46082-1938
(800)621-3724
August 18, 2014
Z JOSHUA C HUTCHINSON COPY
0 2010 HARVARD AVE
CAMP HILL, PA 17011
For local service, contact:
Policy/Contract Number: 7857217 Branch Sales Office E778.0
Insured: Ethel R Wire 1215 MANOR DR STE 300
MECHANICSBURG, PA 17055-4917
Phone: (717) 791-2100
Agent: CARLTON ZINICH BS0011051
Dear JOSHUA C HUTCHINSON:
. We again wish to extend our deepest sympathy to you and your family for
your recent loss. Your claim on the above mentioned contract has been
approved and processed. The benefits have been calculated as follows:
�,Dea t Be- e f t $ 13376„ �T
Your_`Share $ 13;376'-.51
Taxable Amount $ 292.48
Federal Tax Withholding
Final Benefit Amount $ 13,347 .26
A Form 1099-R will be mailed at the end of this tax year for the taxable
amount.
Please know that we are, dedicated to helping you make timely, solid
d3ecisions to support your goals and plan for a secure future. As such,
your insurance proceeds have been deposited into your personal, secure
BenefitNOW Account@. With your account , you can consider your options
carefully and make decisions confidently because your funds are being held
safely and earning interest until - you need them. The draftbook enclosed
in your Welcome Kit will provide you easy access to your funds. You will
receive periodic statements detailing your balance, activity and credited
interest. You may- keep the funds in your account as long as you would
like without any monthly or annual fees. Free draft reorders, live
.support and on-line access are just a few benefits of your account . Your
BenefitNOW Account Welcome Kit will be sent under separate cover.
We realize that the period .following such a loss is a difficult time for
individuals and families and we are committed to providing you with the
best possible service.
BLC2PB (06/13) - �'i
Page 1 of 2
® P.O.Box 6000
Reverse Mort a e Statement
Fort Mill,SC'29715-6000 gag
Statement Period 05/01/14-05/31/14
Loan Number 357046
Payment Plan Tenure
Customer Service
Hours of Operation
Monday-Friday 8AM to 8PM ET
'1�'II�I�t"II.�i�'�I'I111� 1111��111�'ll�'llllj�li"I .tlllllt '�Telephone QR Fax
00002986 331 99972 (800)472-3209 (866)365-0842
THE ESTATE OF ETHEL WIRE
2010 HARVARD AVENUE Mailing Address Overnight Address
CAMP HILL PA 17011-5427 MAC D3348-018
PO Box 6000 3480 Stateview Blvd
Fort Mill SC 29715-6000 Fort Mill SC29715
COPY
Principal Limit Information
Original Principal Limit $80,934.00
Growth on Principal Limit $48,810.48
Principal Limit Adjustment. $0.00
Service Fee Set Aside $3,493.85
Current Outstanding Principal Balance $101,922.71
(Contact Customer Service for your payoff balance)
Repair Set Aside $0.00
Escrow Set Aside . $0.00
Current Net Principal Limit $24,327.92
Rate Information/Finance Charges MIP Rates Interest Rates Amount
Daily Periodic Rate 0.001370% 0.004466%
Monthly Periodic Rate 0.041667% 0.135833%
Corresponding Annual Percentage Rate 0.500000% 1.630000%
Historical Annual Percentage Rate 2.484000%
Total Accrued Interest $18,168.13
Detailed Transaction Information
Date Description Type Amount
04/30/2014 Previous Outstanding Principal Balance: $101,247.85
05/01/2014-SchedUled-Paymerrt--
05/30/2014 Periodic Interest Finance Charge $138.15
05/30/2014 Periodic MIP Finance Charge $42.38
05/30/2014 Monthly Servicing Fee Finance Charge $30.00
05/31/2014 Current Outstanding Principal Balance: $101,922.71
NVe
lJ r.' Ci;1�J T
1 01 2/1.7 • 65
Interest Rate Change Notice
464 . 33
This is to inform you that,in accordance with the terms of your adjustable rate note,the interest rate on your reverse mortgage loan 2 • I T`
will change from 1.610000 percent to 1.590000,percent effective July 1,2014.
The initial interest rate on your mortgage was 3.740000 percent,which may not be increased beyond 13.740000 percent during the life
of the mortgage.
To determine your new interest rate we have added the current index value of 0.090000 as of May 27,2014,to the agreed upon
margin of 1.500000 for a total of 1.590000.The index is the weekly average yield on United States Treasury Securities adjusted to a
constant maturity of one year,as made available by the Federal Reserve Board.This total may be different due to rounding and
limitations(caps and floors)as specified in your Note.
Important Messages
Growth: The Principal Limit on your Reverse Mortgage changes each month.,using a formula set by HUD. The amount of
the change will vary as the interest rate on your adjustable-rate HECM Reverse Mortgage changes.
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