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pennsylvania 1505618403 DEPARTMENT OF REVENIIEX(03-14) REV-150110 OFFICIAL USE ONLY Bureau of Individual Taxes County Code Year File Number PO BOX 280601 INHERITANCE TAX RETURN Harrisburg PA 17128-0601 RESIDENT DECEDENT 21 14 0238 ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYYYY Date of Birth MMDDYYYY 03 06 2014 02 03 1914 Decedent's Last Name Suffix Decedent's First Name MI BURNS GLADYS I (If 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 0 1. Original Return 2. Supplemental Return 3. Remainder Return(date of death prior to 12-13-82) F] 4. Agricultural Exemption(date of ❑ 5. Future Interest Compromise(date of 6. Federal Estate Tax Return Required death on or after 7-1-2012) death after 12-12-82) a7. Decedent Died Testate 8. Decedent Maintained a Living Trust 9. Total Number of Safe Deposit Boxes (Attach copy of will) (Attach copy of trust.) 10. Litigation Proceeds Received 11. Non-Probate Transferee Return 12. Deferral/Election of Spousal Trusts (Schedule F and G Assets Only) 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 JEFFREY R BOSWELL ESQUIR ( 717 ) 236 9377 First Line of Address 315 NORTH FRONT STREET Second Line of Address City or Post Office State ZIP Code C HARRISBURG PA 17101 C) -n GD o Correspondent's email address: Jboswellpbtpalaw.com ? r a Cti1 �t 1 cn REGISTER OF WIl LS USE ONLY GD REGISTER OF WILLS USE ONLY f C'-7 CD DATE FILED MMDDYYYY Cw rTl Tom"" i CP DATE FILED STAMP Side 1 IIIIIIIIIIIIIIIIIIIIIIII�IIIIIIIIIIIIIII"IIII�II 1505618403 1505618403 i� 1505618411 REV-1500 EX Decedent's Social Security Number Decedent's Name: Burns, Gladys I. RECAPITULATION 1. Real Estate(Schedule A)....................................................................................... 1. 180 -,000 . 00 2. Stocks and Bonds(Schedule B)............................................................................. 2. 5 -,700 . 56 3. Closely Held Corporation, Partnership or Sole-Proprietorship(Schedule C)......... 3. 4. Mortgages and Notes Receivable(Schedule D).................................................... 4. 5. Cash,Bank Deposits and Miscellaneous Personal Property(Schedule E).......... 5. 47 ,132 - 95 6. Jointly Owned Property(Schedule F) ❑ Separate Billing Requested............ 6. 7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property (Schedule G) ❑ Separate Billing Requested............ 7. 8. Total Gross Assets(total Lines 1 through 7)........................................................ 8. 232 ,833 - 51 9. Funeral Expenses and Administrative Costs(Schedule H).................................... 9. 55 ,828 - 48 10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule 1)............................ 10. 7 -1202 • 94 11. Total Deductions(total Lines 9 and 10)................................................................ 11. 63,❑31 • 42 12. Net Value of Estate(Line 8 minus Line 11).......................................................... 12. 169 ,802 • 09 13. Charitable and Governmental Bequests/Sec 9113 Trusts for which an election to tax has not been made(Schedule J)............................................... 13. 14. Net Value Subject to Tax(Line 12 minus Line 13)............................................... 14. 1691802 - 09 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.00 15. 0 . 00 16. Amount of Line 14 taxable at lineal rate X .045 1691802 - 09 16. 71641 - 09 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. 7 ,641 . 09 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT ❑ Under penalties of perjury,I declare I have examined this return,including accompanying schedules and statements,and to the best of my knowledge and belief, it is true,correct and complete.Declaration of preparer other than the person responsible for filing the return is based on all information of which preparer has any knowledge. SIGNT E OF PERSONSPONSIBLE FOR FILING RETURN Pamela B.Thompson DATE ADDRESS 449 Sioux Drive, Mechanicsburg, PA 17050 SIGNATURE OF SPAR ER THAN REPRESENTATIVE Jeffrey R. Boswell, Esquire DATE ADDRESS 315 North Front Street, Harrisburg, PA 17101 I III II I II II II II II II II I III IIII �II IIIII II II illi Side 2 1505618411 1505618411 REV-1500 EX Page 3 File Number 21-14-0238 Decedent's Complete Address: DECEDENT'S NAME Burns, Gladys 1. STREET ADDRESS 5225 Wilson Lane CITY STATE ZIP Mechanicsburg PA 17050 Tax Payments and Credits: 1. Tax Due(Page 2, Line 19) (1) 7,641.09 2. Credits/Payments A. Prior Payments B. Discount 0.00 Total Credits(A +B) (2) 0.00 3. Interest (3) 4. If Line 2 is greater than Line 1 +Line 3,enter the difference. This is the OVERPAYMENT. (4) Check box on Page 2,Line 20 to request a refund 5, If Line 1 +Line 3 is greater than Line 2,enter the difference. This is the TAX DUE. (5) 7,641.09 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;............................................................................... ❑ b. retain the right to designate who shall use the property transferred or its income;.............................:.... ❑ ❑x c. retain a reversionary interest;or.............................................................................................................. x d. receive the promise for life of either payments,benefits or care?............................................................ ❑ 2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration?.................................................................................................................... ❑ ❑x 3. Did decedent own an"in trust for" or payable upon death bank account or security at his or her death?....... ❑ ❑x 4. Did decedent own an individual retirement account,annuity,or other non-probate property which El ❑ contains a beneficiary designation?.................................................................................................................. IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES,YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1,1994 and before Jan.1,1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent[72 P.S.§9116(a)(1.1)(i)]. For dates of death on or after January 1,1995,the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S.§9116(a)(1.1)(ii)]. The statute does not exempt a transfer to a surviving spouse from tax,and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1,2000: • The tax rate imposed on the net value of transfers from a deceased child 21 years of age or younger at death to or for the use of a natural parent,an adoptive parent,or a 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. Rev-1502 EX+(12-12) SCHEDULE A pennsylvania REAL ESTATE DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Burns, Gladys I. 21-14-0238 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 Include a copy of the deed showing decedent's interest if owned as tenant in common. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Real Estate-Sale of 131 North 28th Street, Camp Hill,Cumberland County, PA-see 180,000.00 Settlement Statement(HUD-1)attached TOTAL(Also enter on Line 1, Recapitulation) 180,000.00 (If more space is needed,additional pages of the same size) Copyright(c)2012 form software only The Lackner Group, Inc. Form PA-1500 Schedule A(Rev. 12-12) Rev-1508 EX+(08-12) SCHEDULE E pennsylvania CASH, BANK DEPOSITS, & MISC. DEPARTMENT OFPERSONAL PROPERTY INHERITANCE TAXAXRETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Burns, Gladys I. 21-14-0238 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the right of survivorship must be disclosed on schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Dreyfus State Municipal Bond-close account 3,124.00 2 PNC Investments-Account No.039-223573 37,418.47 3 PNC Investments-cash in bank 0.18 4 Personal Property -See Summary Appraisal Report-Personal Property Estate, prepared by 1,333.00 Ibis Appraisal Services(attached) 5 Rowe's Auctioneer-proceeds from sale of personal property 532.80 6 Asbury Bethany Village-refund 3,106.50 7 National Financial -refund 0.01 8 Omnicare King of Prussia-refund 141.67 9 PSERS-refund 227.85 10 Tricare-refund 75.92 11 U.S.Treasury-2013 federal income tax return refund 1,004.78 12 USAA-insurance refund 167.77 TOTAL(Also enter on Line 5, Recapitulation) 47,132.95 (If more space is needed,additional pages of the same size) Copyright(c)2012 form software only The Lackner Group, Inc. Form PA-1500 Schedule E(Rev.08-12) REV-1511 EX+(08-13) SCHEDULE H pennsylvania DEPARTMENT OF REVENUE FUNERAL EXPENSES AND INHERITANCE DE EDENAX TURN ADMINISTRATIVE COSTS RESIDENT DECEDENT ESTATE OF FILE NUMBER Burns, Gladys I. 21-14-0238 Decedent's debts must be reported on Schedule I. ITEM DESCRIPTION AMOUNT NUMBER A. FUNERAL EXPENSES: See continuation schedule(s) attached 5,375.85 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Street Address City State ZiD Year(s)Commission Paid 2. Attorney's Fees Boswell,Tintner& Piccola 11,600.00 3. Family Exemption: (If decedent's address is not the same as claimant's,attach explanation) Claimant Street Address City State Zio Relationship of Claimant to Decedent 4. Probate Fees Cumberland County Register of Wills 403.50 5. Accountant's Fees 1,000.00 6. Tax Return Preparer's Fees Boswell,Tintner& Piccola 1,000.00 7. Other Administrative Costs 36,449.13 See continuation schedule(s) attached TOTAL(Also enter on line 9, Recapitulation) 55,828.48 Copyright(c)2013 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.08-13) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Burns, Gladys I. 21-14-0238 ITEM NUMBER DESCRIPTION AMOUNT Funeral Expenses 1 Myers-Harner Funeral Home-funeral 4,824.00 2 Pamela Thompson-reimbursement for funeral expenses 551.85 H-A 5,375.85 Other Administrative Costs 3 Borough of Camp Hill -sewer 165.00 4 Borough of Camp Hill -sewer 165.00 5 Boswell,Tintner&Piccola-disbursements 46.00 6 Boswell, Tintner&Piccola-disbursements 7 Boswell,Tintner&Piccola-closing costs 650.00 8 Boswell, Tintner&Piccola-disbursements 67.75 9 Bouder's Trash-trash removal 900.00 10 Brown's Lawn Care&Landscaping-mowing 30.00 11 Brown's Lawn Care&Landscaping-mowing 120.00 12 Brown's Lawn Care&Landscaping -mowing 300.00 13 Brown's Lawn Care&Landscaping-mowing 60.00- 14 Brown's Lawn Care&Landscaping-mowing 120.00 Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6-98) SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Burns, Gladys I. 21-14-0238 ITEM NUMBER DESCRIPTION AMOUNT 15 Brown's Lawn Care&Landscaping-mowing 60.00 16 Brown's Lawn Care&Landscaping-mowing(final) 90.00 17 Cumberland County Register of Wills-short certificates 10.00 18 Cumberland Law Journal-legal advertising 75.00 19 Dominion Products&Services-water line replacement program 47.88 20 Ibis Appraisal Service-personal property appraisal 225.00 21 PA American Water-April -$20.50 149.47 May -$20.58 June-$22.05 July -$21.85 August-$42.66 September-$21.83(final) 22 Pamela Thompson-reimbursement for cleaning supplies 184.58 23 Pamela Thompson -reimbursement for Cumberland County Tax Assessment 25.00 24 PP&L-April-$10.01 206.17 May -$19.93 June-$20.95 July -$51.46 August-$77.45 September-$26.37(final) 25 Real Estate-131 North 28th Street,Camp Hill -closing costs as per HUD-1 (attached)- 28,584.27 $23,584 AND$5,000 26 Schultz Landscaping-snow removal 75.00 Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6-98) 1 SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS continued ESTATE OF FILE NUMBER Burns, Gladys I. 21-14-0238 ITEM NUMBER DESCRIPTION AMOUNT 27 Shipley Energy-fuel 1,784.41 28 The Paxton Herald-legal advertising 48.00 29 UGI -March -$73.69 244.82 April -$56.87 May -$27.49 June-$17.45 July -$17.68 August-$34.14 September-$17.50(final) 30 USAA-homeowner insurance 1,221.45 31 Wesley R. Burns-reimbursement for supplies 387.60 32 Wesley R. Burns -reimbursement for travel 406.73 H-137 36,449.13 Copyright(c)2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H(Rev.6-98) Rev-1512 EX+(12-12) SCHEDULE 1 pennsylvania DEBTS OF DECEDENT, DEPARTMENT OFMORTGAGE LIABILITIES AND LIENS RET INHERITANCE TAXAXRETURRNN RESIDENT DECEDENT ESTATE OF FILE NUMBER Burns, Gladys I. 21-14-0238 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 Asbury Bethany Village-nursing home 4,020.75 2 Crystal Hachett-preparation of 1040-2013 and PA-40-2013 income tax returns 75.00 3 Howard Roy Cohen -medical 120.71 4 Omnicare King of Prussia-medical 158.67 5 Omnicare King of Prussia-medical 90.29 6 PA American Water 20.73 7 PA Department of Revenue-PA-4012014 income tax 640.00 8 Shipley Energy-fuel 1,886.66 9 UGI -gas 67.48 10 West Shore EMS-medical 122.65 TOTAL(Also enter on Line 10, Recapitulation) 7,202.94 (If more space is needed,additional pages of the same size) Copyright(c)2012 form software only The Lackner Group, Inc. Form PA-1500 Schedule I(Rev. 12-12) f REVA 513 EX+(01-10) pennsylvania SCHEDULE J DEPARTMENT OF REVENUE INHERITANCE TAX RETURN BENEFICIARIES RESIDENT DECEDENT ESTATE OF FILE NUMBER Burns, Gladys I. 21-14-0238 RELATIONSHIP TO NUMBER NAME AND ADDRESS OF DECEDENT SHARE OF ESTATE AMOUNT OF ESTATE PERSON(S)RECEIVING PROPERTY DO Not List rustee s (Words) ($$$) I. TAXABLE DISTRIBUTIONS (include outright spousal distributions,and transfers under Sec.9116(a)(1.2 Wesley R. Burns III Son 50% of residuary 2 River Road -Front estate Conshohocken, PA 19428 Pamela B.Thompson Daughter 50%of residuary 449 Sioux Drive estate Mechanicsburg, PA 17050 Total Enter dollar amounts for distributions shown above on lines 15 through 18 on Rev 1500 cover sheet,as appropriate. NON-TAXABLE DISTRIBUTIONS: IL A.SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN B.CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART 11-ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET Copyright(c)2010 form software only The Lackner Group,Inc. Form PA-1500 Schedule J(Rev.01-10) C"J RZ� WILL ;rn �, _co 3 OF GLADYS I. BURNS -~ �; a C--) I, GLADYS I. BURNS,of Camp Hill, Cumberland County, Pennsylvania, being of sound mind and disposing memory, though I realize the uncertainty of this life, I have full confidence and trust in my Lord and Savior,Jesus Christ, in His death on the cross for my sins and in His shed blood as an atonement for my soul; and I know by faith that because of His sacrifice on the cross for me I have eternal life, do hereby make and declare this to be my last Will,hereby revoking all my former Wills and Codicils: Article One: Tangible Personal Property: §1.1 I bequeath all my tangible personal property to My Husband, Wesley R. Burns, Jr. ("My Husband"), if he survives me. If My Husband does not survive me,then I bequeath all my tangible personal property in accordance with the terms of a personal property memorandum I may prepare. If no such memorandum is located or received by the Executor within 60 days after being appointed as such, after conducting a reasonable search for such memorandum, the Executor shall be held harmless for distributing such property as hereinafter provided. §1.2 1 bequeath such assets not disposed of by such memorandum, or all of such property if no such memorandum is located or received, to my children, per stirpes, to be divided between them in as nearly equal shares as they agree. In the event of irreconcilable disagreement between_my children, they shall take turns selecting individual items with my oldest child making ' the first selection. Any items not so selected shall be sold and the proceeds shall pass as a part of my residuary estate. §1.3 To the extent practicable in the Executor's sole discretion, I bequeath any i' policies of insurance on such property to the beneficiary entitled to such property. §1.4 I 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. I 1 � Article Two: Marital Trust: If My Husband survives me (and I direct that for the purpose of this Article Two she shall be deemed to have survived me unless it appears unmistakably that he did not survive me), and if the federal estate tax due because of my death will be reduced by making this gift for his benefit, I devise and bequeath to my Trustee hereinafter named, IN TRUST,the least amount(based upon values as finally determined for federal estate tax purposes) as shall be needed for the federal estate tax unlimited marital deduction to reduce the federal estate tax to the lowest possible figure after full use of all other deductions and credits allowable in calculating the federal estate tax,except that such amount shall be calculated without regard to the augmenting of my taxable estate by reason of generation-skipping transfers and without regard for any credit for state death taxes that would not otherwise be payable. Accordingly, I direct that: §2.1 If the marital deduction or any similar benefit is allowable with respect to any property, including property held by entireties, which My Husband has received prior to my death or at my death will receive otherwise than pursuant to this Article Two, the value of such property shall be taken into consideration in calculating the size of the gift under this Article Two. §2.2 No property ineligible for the marital deduction or any similar benefit shall be distributed to this gift for My Husband pursuant to this Article Two. §2.3 Either cash or investments or both may be allocated to the gift under this Article Two. §2.4 Any property allocated under this Article Two in kind shall be valued at the value at which it is finally included in my gross estate for federal estate tax purposes, provided that the aggregate market value thereof on the date of allocation(plus the value as finally determined for federal estate tax purposes of all other property qualifying for the marital deduction) is at least equal to the dollar value of the marital deduction as finally determined for federal estate tax purposes. §2.5 My Husband shall be paid the entire income from the principal in such periodic installments as the Trustee shall find convenient, but at least as often as quarter-annually. §2.6 My Husband is hereby given a power to appoint by will to his estate or to others, in such manner and for such estates as he may appoint, exercisable only by specific reference by him alone and in all events over the principal of this trust. 2 §2.7 As much of the principal of this trust as the Trustee may from time to time think advisable for the support of My Husband or during illness or emergency shall be either paid to him or else applied directly for his benefit by the Trustee. §2.8 In addition to the above provisions, My Husband shall have the power to withdraw such amounts from principal as he shall desire from time to time, including the entire exhaustion of principal. §2.9 If My Husband shall fail, either wholly or in part, to exercise effectively the power of appointment created in the preceding, the unappointed principal shall be added to,and thereafter treated as part of,the principal of my residuary estate passing under Article Three hereof,provided that the Trustee shall first deduct and pay to the personal representative of My Husband's estate an amount equal to the increase in federal and state death taxes and any increased administration expenses,which his estate will have to pay because of the inclusion of the principal of this trust in his estate for tax or administration purposes. §2.10 If any provision of my will shall result in depriving my estate of the marital deduction for federal estate tax purposes, such provision is hereby revoked and my will shall be read as if any portion thereof inconsistent with allowance of the marital deduction for federal estate tax purposes is null and void. §2.11 If my property is insufficient for payment in full of all legacies and devises, I direct that this trust shall be preferred over all other legacies and devises. Article Three: Residuary Credit Shelter Trust if Spouse Survives, and Ultimate Contingent Beneficiaries: If My Husband survives me, I devise and bequeath the residue of my estate of every nature and wherever situate, including property over which I shall have any power of appointment other than any such power given to me in any will or inter vivos trust of My Husband,to the Trustee hereinafter named, IN TRUST, for the following uses and purposes, it being my intention that this trust shall be exempt from federal estate tax to the extent of my unified credit amount: §3.1 During My Husband's life. My Trustee shall pay the distribution amount set forth below to or for the benefit of My Husband during his life, in quarter- annual installments. §3.2 Distribution amount. The Trustee shall pay to My Husband in each tax year of the trust during his life an amount equal to five percent (5%)of the average of the fair market values of the trust as of the close of the last business day of the trust's three previous tax years (or such lesser number of tax years as are 3 available for the first three tax years of the trust). In the case of a short tax year, the distribution shall be calculated as set forth in subparagraph 3:3 below. In the case of contributions to or distributions from the trust, including initial funding, the distribution amount shall be determined as set forth in subparagraph 3.4 below. §3.3 Short year. For a short tax year,the distribution amount shall be based upon a prorated portion of the distribution amount set forth above comparing the number of days in the short taxable year to the number of days in the calendar year in which the short taxable year is a part. §3.4 Contributions and Distributions. In a taxable year in which assets are added to or distributed from the trust(other than the distribution amount)(hereinafter "adjustment year"), the distribution amount shall be increased (in the case of a contribution)or decreased (in the case of a distribution)by an amount equal to five percent(S%) times the fair market value of the assets contributed or distributed (as of the date or dates of the contribution or distribution), multiplied by a fraction,the numerator of which is the number of days from the contribution or distribution to the end of the calendar year and the denominator of which is the days in the calendar year. Further,the year end values for the two tax years preceding the adjustment year shall be increased by the amount of such addition, or decreased by the amount of such distribution, for purposes of determining the distribution amount for years following the adjustment year. §3.5 Fair market value computations. All computations of the trust's fair market value, or the value of any contributions or distributions as set forth above, shall include accounting income and principal, but no accruals shall be required. If the trust includes assets for which there is not a ready market,the Trustee shall adopt such method of valuation as he or she deems reasonable in his or her discretion under the circumstances. §3.6 Income earned in estate prior to trust funding. In addition to the distribution amount as determined above, the net accounting income earned in my estate and allocable to the residue shall be paid to the trust, and distributed to My Husband in addition to the distribution amount set forth above. §3.7 Source of distribution amounts. The distribution amounts from the trust shall be paid first from the net accounting income, next from net realized short term capital gains, then from net realized long term capital gains, and as necessary from the principal of the trust. §3.8 Discretionary distributions of additional amounts. In addition to the distribution amounts as set forth above,my Trustee shall distribute such additional amounts, if any, of accounting income, capital gain or principal to my said Wife as the Trustee, in his or her sole discretion, deems advisable for My Husband's health, 4 maintenance and support in his accustomed standard of living, taking into account other income or assets which are available to him. If My Husband is a Trustee, he shall not have part in a decision to make discretionary distributions. §3.9 Principal residence: §3.9.1 If it is necessary in order to fund my credit shelter trust that my personal residence be put into the trust, and if My Husband wants to continue to live in the house,My Husband shall be permitted to continue to live in the house rent free for as long as he wishes; and the Trustee shall not sell or otherwise dispose of the house so long as My Husband wants to live in it. §3.9.2 My Husband shall be responsible for paying all utilities and normal living expenses incidental to living in a house, but the Trustee shall be responsible for paying the taxes, the cost of keeping the house properly insured and for maintaining the house in sound repair and good appearance. §3.9.3 The restrictions against the Trustee selling or otherwise disposing of the house shall no longer have effect(I)upon the death of My Husband,(ii)when My Husband gives permission in writing to the Trustee to sell or dispose of the house, or (iii) when My Husband ceases to need the house as his residence. §3.10 Death of husband. On the death of My Husband, or if My Husband does not survive me, all the remainder of the estate shall be divided and distributed as follows: §3.10.1 Fifty percent (50%) to my daughter, Pamela B. Thompson of Mechanicsburg,PA. If my daughter is not then surviving,this share shall be divided and distributed to her three sons, my grandchildren, Edgar K. Smith, 111, of Philadelphia, PA, Gregory S. Smith of Harrisburg, PA, and Steven W. Smith of Mechanicsburg, PA,per stirpes. If none of these persons is then living, per stirpes, this share shall go to my son, Wesley R. Bums,III of Lafayette Hills, PA,per stirpes. §3.10.2 Fifty percent (50%)to my son, Wesley R. Bums, 111, per stirpes. If my son is not then alive, and if he is not survived by any issue,per stirpes,this share shall go to my daughter, Pamela B. Thompson, in accordance with 63.10.1 above. §3.11 Ultimate contingent beneficiary: If, at the time of My Husband's death,or if My Husband does not survive me, I am not survived by any beneficiaries as specified in§3.10 above,then I direct that all the remainder of the estate,including the remaining balance in the trust, be divided and distributed as charitable bequests as follows: §3.11.1 Seventy-five percent(75%)to Camp Hill Presbyterian Church,Camp Hill, PA for the general ministry of said church. §3.11.2 Twenty-five percent(25%)to The Pennsylvania State University for the support of the music program, and in particular The Blue Band. 5 §3.12 Goal of trust and Trustee's power to alter distribution rate. The goal of this trust is to provide a relatively smooth flow of distributions to My Husband which distributions over the anticipated term of the trust may maintain to the extent practicable their real spending power in the face of inflation. A second and related goal is to maintain the real spending power of the principal of the trust for the remaindermen. It is my intent by using a total return trust,that is one which does not distinguish in investment goal(or distribution)between the production of income and short and long term capital gains, to eliminate any conflict of interest which the Trustee might otherwise experience between attaining the two goals set forth above. I have set the distribution rate at five percent(5%)based upon my hope that over long periods of time, this distribution rate can be maintained and still have the distributions increase sufficiently to offset inflation. If this goal is achieved, the principal of the trust will also have maintained its value. I recognize that these goals will not be attainable every year, or even over the long term. I accept that the setting of the five percent(5%) distribution rate is my own decision and recognize that the two goals set forth above may not be attainable as a result even if my Trustee acts with reasonable prudence. As a further safeguard, if the Trustee becomes convinced that the goals as set forth above cannot be attained as a result of substantial and long term changes in the investment marketplace; because of inflation, deflation, or other secular economic change which would make advisable a change in the percentage distribution amount, then my Trustee shall have the discretion to modify such rate as he or she may deem necessary. Such a change in rate shall be within the sole discretion of my Trustee given the investment and distribution goals for this trust. My Trustee shall not be held accountable for such discretionary act by any party provided that he or she have acted in good faith. If My Husband is a Trustee, he shall not have part in a decision to make an upward change in the percentage distribution amount. Article Four: Provision for Debts and Expenses: I 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 shall be paid from the principal of that portion of my estate disposed of by Article Two of this Will. Article Five: Executrix/Executor: I appoint My Husband, Wesley R. Bums,Jr.,Executor of this my last will. If Wesley R. Bums, Jr. falls to qualify or ceases to act as Executor, I appoint my daughter and son, Pamela B. Thompson and Wesley R. Bums, 111, as my first, contingent Co-Executors. If either one of them is unable to serve or to complete the administration of my estate, then the other shall serve as the sole contingent Executor. All references herein to the Executor shall mean my originally appointed Executor or my successor Co-Executors or Executor, as the case may be. 6 Article Six: Trustees: §6.1 As Trustees of the marital trust and the credit shelter trust, I appoint My Husband and my son and daughter to be Co-Trustees, subject to the limitations set forth elsewhere in this Will with respect to My Husband as a trustee of the Credit Shelter Trust. 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 In addition to the powers conferred by law, my executor with respect to my estate, and my Trustees with respect to any trust, shall have the following powers, to be exercised in their absolute discretion without the necessity of application to any Court, in the capacity to which such powers may be applicable;except that they shall have no power as to the Marital Trust{s}which would disqualify it for purposes of the marital deduction: §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; §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 make distributions in cash, or in kind at current values, or partly in each, allocating specific assets to particular distributes on a non-pro rata basis, and for such purposes to make reasonable determinations of current values; §7.2.7 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 §7.2.8 To allocate,in the Executor's sole and absolute discretion,any portion of my exemption under Section 2631(a)of the Internal Revenue Code 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; §7.2.9 To create, except when the fiduciary is a beneficiary of the subject trust, with respect to all or any part of the principal of any trust hereunder, including a pecuniary amount, by a written instrument a general testamentary power of appointment within the meaning of Section 2041 of the Internal Revenue Code in any beneficiary thereof and to eliminate such power for all or any part of such principal as to which such power was previously created and to divide trust principal into two fractional shares based upon the then portion of the trust that would be includable in the gross estate of the beneficiary holding such power if he died immediately before such division (in which case the power shall be over the entire principal of one share and not the other),with each share being administered as a separate trust,unless such fiduciary shall thereafter elect to combine such separate trusts into a single trust; to exercise the foregoing discretion to create or eliminate a general testamentary power of appointment when such fiduciary determines that the inclusion of the property affected thereby in the beneficiary's gross estate may achieve a significant savings in transfer taxes by having a federal estate tax in lieu of a Chapter 13 tax imposed by the Internal Revenue Code on the property subject to such power of appointment or may achieve significant income tax benefits; §7.2.10 To disclaim any interest or portion of 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 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; and §7.2.12 To merge any trust created hereunder with any other trust or trusts created by me or my spouse 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. 8 §7.2.13 To invest in any type of investment which plays an appropriate role in achieving the investment goals of the trust, which investment shall be considered as part of the total portfolio. It is my specific direction that no category or type of investment shall be prohibited. I specifically do not wish to limit the universe of trust investments in any way other than is dictated by the Trustee's exercise of reasonable care, skill, and caution. In connection with the Trustee's investment and management decisions with respect to this trust, the Trustee is specifically entitled to take in account general economic conditions, the possible effect of inflation or deflation, the expected tax consequences of investment decisions or strategies, the role which each investment or course of action may play within the overall trust portfolio which may include financial assets, interests in closely held enterprises, tangible and intangible personal property, and real property;the expected total return from income and the appreciation of capital; other resources of the beneficiaries, the needs for liquidity, regularity of income and preservation or appreciation of capital, and the asset's special relationship or special value,if any,to the purposes of the trust or to one or more of the beneficiaries. Nor shall my Trustee be limited to any one investment strategy or theory, including modem portfolio theory, the efficient markets theory or otherwise, but should be free to consider any appropriate investment strategy or theory under all the circumstances. The Trustee may delegate investment and management functions which a prudent person of comparable skills would properly delegate under the circumstances. Should the Trustee delegate such function,the Trustee shall exercise reasonable care, skill and caution in selection of an agent, establishing the scope and terms of the delegation consistent with the purposes and terms of the trust, and periodically reviewing the agent's actions in order to monitor performance and compliance with the terms of the delegation. Should such delegation occur as set forth above,the Trustee who complies with the requirements for delegation shall not be liable to the beneficiaries or to the trusts for the decisions and actions of the agent to which the function was delegated, but by accepting the delegation of trust function by the Trustee of this trust, the agent submits to the jurisdiction of the courts of this state. §7.2.14 No provisions of the Will shall be interpreted or reformed so as to do violence to my primary intent to provide for My Husband and my children. Article Eight: Provision for Taxes: 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 ("Death Taxes"), and any penalties thereon, shall be paid by the Executor out of the principal of that portion of my estate disposed of, first, by Article Two and, second, by Article Three of this Will; and all interest with respect to any such taxes shall be paid by 9 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, without reimbursement from or apportionment among the beneficiaries,recipients or owners of such property for any such taxes, penalties or interest; provided, however, the Executor shall not pay any such taxes, penalties or interest attributable to any property included in my estate solely because of a power of appointment thereover which I possess but have not exercised or any qualified terminable interest property; provided further, however, the Executor shall not pay any supplemental federal estate tax, or any penalties or interest related thereto, imposed by Section 4980A(d) of the Internal Revenue Code, which supplemental federal estate tax, together with any penalties or interest related thereto, shall be borne by the recipients of the qualified plan benefit(including my estate if it is a recipient of any such benefit) giving rise to such supplemental federal estate tax in proportion to their respective interests therein. Article Nine: Miscellaneous Provisions: §9.1 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. §9.2 Whenever the Trustee is directed to distribute property to or for the benefit of any beneficiary who is under(a) eighteen 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 the Trustee's sole discretion exercised in good faith),the Trustee 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 Trustee (including the Trustee), under any applicable Uniform Transfers to Minors Act or Uniform Gifts to Minors Act, may distribute such property directly to such 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 Trustee 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. 10 §9.3 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. §9.4 If any beneficiary hereunder should die within thirty(30)days after me or within thirty (30) days after any other person the survival of whom determines his rights hereunder, then such beneficiary shall be deemed to have predeceased me or such other person for all purposes hereunder. Article Ten: Gender: Unless the context indicates otherwise, any use of masculine gender herein shall also include the feminine gender. IN WITNESS WHEREOF,1, GLADYS 1. BURNS, herewith set my hand and seal to this, my last Will,typewritten on twelve (12) sheets of paper including the self-proving attestation clause and signatures of witnesses, this rs day of 14-/Z. C, 2000. (SEAL) G,LADYS I. 91JRNS ' Witnessed: -74—WtX-1^— residing at 2-1 0 6 o V residing at 0 3 (-F'IJ /X C 6 7 �L -�� ✓1 ` residing at / 7 Al, Z- `r '-� f'' !,Zi 1-701,1 COMMONWEALTH OF PENNSYLVANIA SS COUNTY OF CUMBERLAND 1, GLADYS I. BURNS, (the Testatrix), and 0 R o rim E w%� and S 8 e n N e- f? i TM (the witnesses), whose names are signed to the foregoing instrument, being first duly sworn, each hereby declares to the undersigned authority that the Testatrix signed and executed the instrument as her last will in the presence of the witnesses and that she had signed willingly, and that she executed it as her free and voluntary act for the purposes therein expressed, and that each of the witnesses, in the presence and hearing of the Testatrix, signed the will as witness and that to the best of their knowledge the Testator was at that time eighteen years of age or older, of sound mind and under no constraint or undue influence. WITNESS: TESTATRIX: J, , LADYSI URNS WITNESS: WITNESS: Su scribed, sworn to and acknowledged before me by GLADYS I. BURNS, the Testatrix, and subscribed and sworn to before me by ° A AP. r and S /3LSC/V 4s �� the witnesses,this day of /? 2000. Notary Public My Commission expires: (SEAL) Notarial Seal Laure E.Kane,Notary Public Hampden Twp., Cumberland County My Commission Expires Nov. 15,2003 12 Member,Pennsylvania Association of Notaries SUMMARY APPRAISAL REPORT PERSONAL .PROPERTY ESTATE Personal Proper,ty' of the Astate'of - Gladys I. Burns, deceased Personalty Currently- ocatd at. 131 N. 28th St. Camp Hill; 1!X11011 Clients., Pamela Thompson,`Co-Exed'atrix Wesley R. burns, III, Car-Executor Jeffrey R. Boswell; Esq. Intended Users: Pamela Thompson;,Co=executrix 4 Wesley R:Burns;'�III;-'Co'Ex6cutor Jeffrey R.:Boswell,'�sq:- Heirs of-the-Gladys D_Burns Estate - Effective,D- of+Appraisa&r 'd.o.d. March 06 201 Date�o Re Y ort:. • : ,4;Apt'i1.17,: 2014^ .S' -16isAppraisdt _. .. 'iservices &tz' 4''u ': • ���°��,i-',,., ',, • • -{ 17)24.3=.'347 irifo�a�ibrsapprarsals.com " • ww`iv i6isapprarsals.coni �. . Ibis Appraisal,Services April-17,2014 ' Gladys I.Bums'Estat_e'persorial,Property Appraisal ;µL .� - - Page l'of 16. TABLE OF CONTENTS Table of Contents 2 Appraisal Scope of Work 3 Appraisal Extraordinary Assumptions 3 Appraisal Hypothetical Conditions 3 Appraisal Summary 4 Personal Property(Household Contents) Listing 5 Appraisal Summary (Copy) 11 Glossary 12 Appraisal Certification 13 References 14 Privacy Notice 15 Statement of Qualifications 16 Ibis Appraisal Services April 17,2014 Gladys I.Burns Estate Personal Property Appraisal Page 2 of 16 APPRAISAL SCOPE OF WORK I hereby certify that, upon the clients' request for the appraisal of the estate personal property of Gladys I. Burns, deceased, 131 N. 28th St. Camp Hill, PA 17011. I have appraised the estate personal property (household contents) to determine the Fair Market Value for the purpose of estate administration, estate taxes and equitable distribution between heirs. The effective date is, as of the d.o.d. March 06, 2014 and reported on April 17, 2014. The clients in this estate appraisal are Pamela Thompson, Co-Exec., Wesley R. Burns, III, Co-Exec., and Jeffrey R. Boswell, Esq. The intended users of this appraisal are Pamela Thompson, Co-Exec., Wesley R. Burns, III, Co-Exec., Jeffrey R. Boswell, Esq., heirs and family of the Gladys 1. Burns Estate, and any other person(s) authorized by the administrators of this estate. I have personally and physically inspected the listed personal property April 04, 2014. The personalty was located at 131 N. 28th St. Camp Hill, PA 17011. The information and values contained in this report are based upon my experience as an appraiser and other reliable sources (listed in the Reference Section) using a Sales Comparison Approach to determine Fair Market Value. [Fair Market Value is used in divorces and estates in the state of Pennsylvania.] A market data analysis with comparable sales transactions was used to reconcile the quality and quantity of data. Values are reported piece-by-piece, and/or as a whole. All values reported have been determined with consideration to the condition of the item, market conditions, and salability factors. All analyses, notes and paperwork are found in the workfile. Appraisal Extraordinary Assumptions & Hypothetical Conditions CQ Assumes that the items are properly identified. (-Q No hypothetical conditions were used in this report. Ibis App-raisaf TV1 es Alyssa L.WV , ISA A94 I A c edited9dem6er Dire for aZ CPEO Ibis Appraisal Services April 17,2014 Gladys I.Burns Estate Personal Property Appraisal Page 3 of 16 APPRAISAL SUMMARY It is in my opinion that as of the d.o.d. March 06, 2014 and reported on April 17, 2014 the Fair Market Value of the Estate Personal Property of Gladys I. Burns, deceased, 131 N. 28`h St. Camp Hill, PA 17011: (One Thousand Three Hundred Thirty-Three Dollars and Zero Cents) ($1,333.00) IlbiS Appraisal Serv' es �2 yssa L. G . , IS1 -A '1 ISAA edttedMem6er fir etor ct CEO The report must be read in its entirety. The Appraisal Summary ONLY is not the appraisal re port Ibis Appraisal Services April 17,2014 Gladys 1.Burns Estate Personal Property Appraisal Page-4 of 16 PERSONAL PROPERTY LISTING 1 ��i�� Trunk. Twentieth century pine truck with carved eagle on $25.00 front. Location: Living Room. Corresponding Digital Photograph File: img 4706 jpg 2 Glassware. Selection of twentieth century glassware. $10.00 Location: Dining Room. Corresponding Digital Photograph File: img 4707 jpg 3 Brassware. Selection of twentieth century decorative $8.00 brassware including plates, vases, and candlesticks Location: Dining Room. Corresponding Digital Photograph File: img 4708 jpg __j 4 Shriner's Memorabilia. Selection of twentieth century $75.00 T Shriner's memorabilia including a Marching Band hat. Location: Dining Room. Corresponding Digital Photograph Files: img 4709 & img 4711 jpg 5 Commemorative Bottles. Selection of commemorative Penn $25.00 State cola bottles. Rrr Location: Dining Room. Corresponding Digital Photograph File: img 4710 jpg 6 Television. Small Amtel 502 5"black&white television. $5.00 err �. Location: Dining Room. L Corresponding Digital Photograph File: img 4712 jpg i:. `W2 This Appraisal Services April 17,2014 Gladys I.Burns Estate Personal Property Appraisal Page 5 of 16 7l :_ Linen. Selection of twentieth century linens. $8.00 Location: Front Bedroom Room. Corresponding Digital Photograph File: img 4714 jpg 8 Glassware. Selection of twentieth century glassware: eight(8) $6.00 $q'; r etched shrimp cocktail glasses. Location: Front Bedroom Room. e � Corresponding Digital Photograph Files: img 4715 & img 4716.j pg 9 Glassware. Selection of twentieth century glassware: eleven $8.00 (11) small wine glasses with gold coin motif. a Location: Front Bedroom Room. Corresponding Digital Photograph Files: img 4717 & img-4 718jpg 10 Glassware. Selection of twentieth century etched wine $8.00 glasses. Location: Front Bedroom Room. �` Corresponding Digital Photograph File: img 4 719jpg 11 J " Bedroom Set. Twentieth century bedroom set. Set includes $105.00 double bed, chest and nightstand. Maker: Dixie. a= Location: Front Bedroom Room. Corresponding Digital Photograph Files: img 4720 & j img 4721 Jpg 12 " p I Light. Twentieth century Coca-Cola hanging swag light. $25.00 � ° 41 Location: Back Bedroom Room. Corresponding Digital Photograph File: img 4 722jpg !4 r Ibis Appraisal Services April 17,2014 Gladys L Burns Estate Personal Property Appraisal Page 6 of 16 13 Bench Table Saw. Twentieth century Craftsman bench table $50.00 saw. Model: 103.23420. Location: Basement. ,.. Corresponding Digital Photograph Files: img 4727- img 4730 jpg 14 Lathe Saw Motor. Twentieth century Craftsman lathe table $15.00 saw motor. Model: 115.6962 r_ Location: Basement. Corresponding Digital Photograph Files: img 4731 & img 4732 jpg 15 Trunk. Early twentieth century travel steamer trunk. $25.00 Location: Basement. Corresponding Digital Photograph File: img 4733 jpg 16 Trunk. Early twentieth century travel steamer trunk. $15.00 Location: Basement. Corresponding Digital Photograph File: img 4734 jpg f ,r$ft F 17 School Pennants. Selection of early twentieth century felt $45.00 school pennant flags. Location: Basement. Corresponding Digital Photograph File: im 4736. ' g 18 Miter Box. Twentieth century Craftsman miter box. Model: $30.00 881.3632. Location: Basement. Corresponding Digital Photograph Files: img 4737& im 8.jpg j Ibis Appraisal Services April 17,2014 Gladys I.Burns Estate Personal Property Appraisal Page 7 of 16 19 Tobacco Tins. Selection of early-to-mid twentieth century $50.00 tobacco tins. Sir Walter Raleigh. Location: Basement. Corresponding Digital Photograph File: img 4740 jpg 20 File Cabinet. Early-to-mid twentieth century hardwood file $100.00 cabinet and drawers. Location: Basement. Corresponding Digital Photograph File: img 4741 jpg 21 Settee. Twentieth century rattan settee with plush cushions. $15.00 Location: Basement. Corresponding Digital Photograph File: img_4743 jpg 22 Records. Selection of early twentieth century vinyl records. $85.00 Location: Basement. Corresponding Digital Photograph File: img 4744 jpg 23 w t7 7i qChristmas Tree Light. Rotating color wheel Christmas tree $25.00 light. Snapit Colortone Junior electric roto-wheel. Location: Basement. e o€ur"°« ;v.�,� ,; Corresponding Digital Photograph File: img 4745 jpg 24 Christmas Tree Stand. Twentieth century Christmas tree $5.00 stand. Safe-T-Tree Holder. Location: Basement. Corresponding Digital Photograph File: img 4746 jpg This Appraisal Services April 17,2014 Gladys I. Burns Estate Personal Property Appraisal Page 8 of 16 r 25 Wicker Furniture. Selection of late nineteenth, early twentieth $35.00 century wicker furniture including chairs, table, and table lamp. Location: Basement. Corresponding Digital Photograph Files: img_4747- img 4751 jpg 26 School Desks. Two double-size late nineteenth, early $90.00 twentieth century school desks. Location: Basement. Corresponding Digital Photograph Files: img 4751 & img_4755jpg 27 School Desks. Two single-size late nineteenth, early twentieth $60.00 century school desks. Location: Basement. Corresponding Digital Photograph Files: img 4752 & img 4753 jpg 28 ` 'J ' Chalkboard. Free-standing early twentieth century school $95.00 chalkboard. Location: Basement. Corresponding Digital Photograph File: img_4756 jpg 29 ` ``'`" Player Piano. Upright Harvard Cincinnati player piano. $225.00 Location: Basement. Corresponding Digital Photograph Files: img 4757, img 4758, & img 4760 jpg Ibis Appraisal Services April 17,2014 Gladys I.Burns Estate Personal Property Appraisal Page 9 of 16 30 Train Set. Modem twentieth century Toy State Western $5.00 Classic Express train set. Location: Kitchen. Corresponding Digital Photograph Files: img,4 761 img___,4 763.jpg 31 Alligator Purse. Early twentieth century alligator purse. $35.00 Location: Kitchen. Corresponding Digital Photograph File: img4764 jpg 32 a Lamp. Mid-twentieth century table lamp. $10.00 Location: Sunken Living Room. Corresponding Digital Photograph File: img 4765 jpg 33 Glassware. Set of twelve (12)twentieth century Christmas $10.00 Santa Claus glasses. Location: Attic. Corresponding Digital Photograph Files: img4 766& img4767.jpg Total $1,333.00 This Appraisal Services April 17,2014 Gladys I.Bums Estate Personal Property Appraisal Page 10 of 16 APPRAISAL SUMMARY It is in my opinion that as of the d.o.d. March 06, 2014 and reported on April 17, 2014 the Fair Market Value of the Estate Personal Property of Gladys I. Burns, deceased, 131 N. 28th St. Camp Hill, PA 17011: (One Thousand Three Hundred Thirty-Three Dollars and Zero Cents) ($1,333.00) rppraisal rvi es Lofey, ISA A94 ISA credited Vem6er (Director 6�CEO The report must be read in its entirety, The Appraisal Summary ONLY is not the appraisal report. This Appraisal Services April 17,2014 Gladys I.Burns Estate Personal Property Appraisal Page 11 of 16 GLOSSARY Extraordinary Assumption. An assumption, directly related to a specific assignment, which, if found to be false, could alter the appraiser's opinions or conclusions [USPAP]. Fair Market Value. The price at which a property would change hands between a willing buyer and a willing seller, neither being under any compulsion to buy or sell and both having reasonable knowledge of relevant facts [IRS Regulation Section 1.1 70A-I(c)(2)]. Fair Market Value Expanded. Fair Market Value is not to be determined by a forced sale...nor is the Fair Market Value of an item of property to be deterred by the sale price of the item in a market other than that in which such an item is most commonly sold to the public...taking into consideration the location of the item where appropriate. [Treasury Regulation § 20.2031-1(b)]. Hypothetical Condition. That which is contrary to what exists but is supposed for the purpose of analysis [USPAP]. Replacement Cost. The term replacement cost refers to the amount that an entity would have to pay, at the present time, to replace any one of its assets [Wikipedia]. Sale Comparison Approach. This approach compares an object property's characteristics with those of comparable objects that have recently sold in similar transactions [Wikipedia]. Ibis Appraisal Services April 17,2014 Gladys 1.Burns Estate Personal Property Appraisal Page 12 of 16 CERTIFICATION OF APPRAISAL I certify that,to the best of my knowledge and belief- - The statements of fact contained in this report are true and correct. - The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. - I have no present or prospective interest in the property that is the subject of this report and no personal interest with respect to the parties involved. - I have no bias with respect to the property that is the subject of this report or to the parties involved with this assignment. - My engagement in this assignment was not contingent upon developing or reporting predetermined results. - My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client,the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. - My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice. - I have made a personal inspection of the property that is the subject of this report. - No one provided significant personal property appraisal assistance to the person signing this certification. This appraisal was based upon the following assumptions, limitations, and conditions: 1. The information contained in this report was gathered from sources considered reliable, personal examination,research of authenticity and comparable sales and/or auction prices. 2. No responsibility is assumed for matters that are legal in nature, including, but not limited to: the representation of others concerning the value, authenticity, condition, origin, or provenance of an item appraised. 3. The appraiser assumed that a normal and careful examination of the property was sufficient to determine its quality and condition and that no extraordinary examination procedures were to be utilized, unless these were specially requested and the expenditure of funds therefore authorized. 4. The appraiser's court attendance and expert testimony report, if required, are not included as part of this report. The appraiser does have the right to refuse testimony. It is the firm belief of the appraiser that the information furnished in this appraisal report and the conclusions drawn from this information are true and correct,but they are not guaranteed. Ibi Appraisal erv' es Afyssa L.W. o ISA-A911 IS Acle itedWem6er Direct r e�CPEO This Appraisal Services April 17,2014 Gladys I.Bums Estate Personal Property Appraisal Page 13 of 16 APPRAISAL REFERENCES Art Price. http://www.artprice.com Cordier Antiques&Auctions. 1500 Paxton St. Harrisburg, PA 17104. http://www.cordierantiques.com Craig's List. http://www.craigslist.com eBay. http://www.ebay.com I.R.S. Publication 561: Determining the Value of Donated Property. http://www.irs.gov/pub/irs- pdf/p561.pdf Live Auctioneers. http://www.liveauctioneers.com Morphy Auctions. 2000 N. Reading Rd., Denver, PA 17517. 717-335-3435. http://www.morphyauctions.com/ Pook& Pook. 463 East Lancaster Ave. Downingtown, PA 19335. 610-296-4040. http://www.pookandpook.com Prices for Antiques. http://www.p4a.com Proxibid. http://www.proxibid.com T"a eak. http://www.terapeak.com TreasjU Regulation& 20.2031-I O)J. Title 26: Internal Revenue. Chapter 1: Internal Revenue Service, Department of the Treasury (Continued). Part 20: Estate Tax; Estates of Decedents dying after August 16, 1954. Sec. 20.2031-1: Definition of gross estates; valuation of property. U.S. Treasury Regulations Section 1.170A-1(c)(2): Charitable, etc., Contributions and Gifts, Allowance of Deduction. http://www.taxalmanae.org/index.php/Reg._I.170A-1 Uniform Standards of Professional Appraisal Practice. http://www.appraisalfoundation.org Wikipedia. http://en.wikipedia.org/Wiki/Replacement—value Worftoint. http://www.worthpoint.com Ibis Appraisal Services April 17,2014 Gladys I.Bums Estate Personal Property Appraisal Page 14 of 16 PRIVACY NOTICE Pursuant to the Gramm-Leach-Billey Act of 1999, effective July 1, 2001, appraisers, along with all providers of personal financial services are now required by federal law to inform their clients of the policies of the firm with regard to the privacy of client nonpublic personal information. As professionals, we understand that your privacy is very important to you and are pleased to provide you with this information. In the course of performing appraisals, we may collect what is known as "nonpublic personal information" about you. This information is used to facilitate the services that we provide to you and may include the information provided to us by you directly or received by us from others with your authorization. We do not disclose any nonpublic personal information obtained in the course of our engagement with our clients to nonaffiliated third parties, except as necessary or as required by law. By way of example, a necessary disclosure would be to our independent contractors, and in certain situations, to unrelated third party consultants who need to know that information to assist us in providing appraisal services to you. All of our independent contractors and any third party consultants we engage are informed that any information they see as part of an appraisal assignment is to be maintained by strict confidence within the firm. A disclosure required by law would be a disclosure by us that is ordered by a court of competent jurisdiction with regard to a legal action to which you are a Ply We will retain records relating to professional services that we have provided to you for a reasonable time so that we are better able to assist you with your needs. In order to protect your nonpublic personal information from unauthorized access by third parties, we maintain physical, electronic, and procedural safeguards that comply with our professional standards to insure the security and integrity of your information. Ibis Appraisal Services April 17,2014 Gladys 1.Bums Estate Personal Property Appraisal Page 15 of 16 STATEMENT OF QUALIFICATIONS Alyssa L.W. Loney, ISA-AM PRESENTLY Founder of Ibis Appraisal Services. Owner and Director. October 2001- Present. Responsible for the management and direction of Ibis Appraisal Services. Conducts extensive on-site and in-house appraisals, valuations, assessments, and analyses of personal and cultural property. Conducts research on all objects considered personal and cultural property. Performs appraisals for divorces, estates and insurance. Performs in the service of law firms, banks, insurance agencies, universities, library, museums, churches,non-profit agencies and the general public. Responsible for the development of policies, guidelines, public programs, and standards for Ibis Appraisal Services. Takes an active role in promoting ethics in appraising. Works with local, state, national and international agencies to prevent and uncover appraisal and personal/cultural property fraud. Member of the International Society of Appraisers, American Society of Appraisers, and the Foundation for Appraisal Education. PROFESSIONAL COURSE COMPLETIONS ISA Course Completions - Core Course in Appraisal Studies - Antiques & Residential Contents - Advanced Report Writing USPAP CoMpletion - Uniform Standards of Professional Appraisal Practice PROFESSIONAL ACCOMPLISHMENTS • State Historical and Underwater Archaeologist for the State of Louisiana. • Attended the Conservation of Indian Artifacts Symposium sponsored by the Smithsonian Institution and the Tunica-Biloxi Indian Reservation, Marksville, Louisiana. • Director of the West Virginia University Historical Costume Museum. • Research Archaeologist/ Artifact Instructor for CADW (Welsh Historic Monuments)/ University of York, England. • Research and Preservation Specialist for the Maryland Historical Trust. • Presented and published works for national and international organizations including the Society for Historical Archaeology, Middle-Atlantic Archaeology Conference, Southeastern Archaeological Conference, Louisiana Archaeological Society, and the Maryland Historical Trust. EDUCATION B.Sc. Historical Textiles and Clothing, 1992, West Virginia University, Morgantown, West Virginia,United States. M.A. Archaeology, 1995, University of York, York, England. Ibis Appraisal Services April 17,2014 Gladys I.Bums Estate Personal Property Appraisal Page 16 of 16 OMB Approval No.2502-0265 �,+►':n, A. Settlement Statement (HUD-1) B. .-of Loan 1.❑FHA 2. RHS 3. Conv.Unins. File Number: Loan Number: o gage Insurance ase Number: 14247 1409051824 10-10-6-0664499 4.[-X-1VA 5.RConv.Ins. c e: is orm is urnis e o give you a statement o actual se emen ss cos . moun pai oan y e se emen agents ares own, ems ma e "(p.o:c)"were paidoutside 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: Stephen J.Sabo,Christina Sabo Estate of Gladys I.Burns USAA Federal Savings Bank 3535 Logan Street,Camp Hill,PA 17011 131 N.28th Street,Camp Hill,PA 17011 10750 McDermott Freeway,San Antonio,TX 78288 G.Property Location: H.Settlement Agent: 1.Settlement Date:10/20/2014 131 N 28th Street Keystone Land Transfer,Ltd Disbursement Date:10/21/2014 Camp Hill, 3421 Market Street,Camp Hill,PA 17011 Camp Hill Bororoughugh 717-7314200 Place of Settlement: TitleExpress 3421 Market Street,Camp Hill,PA 17011 Printed 10/20/2014 at 3:26 pm by KS J.Summary of Borrowers Transaction K.Summary of Sellers Transaction 100. Gross Amount Due from Borrower 400. Gross Amount Due to Seller 101. Contract sales price 180,000.00 401. Contract sales price 180,000.00 102. Personal property 402. Personal property 103. Settlement charges to borrower(line 1400) 13,931.52 403. 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 10/20/2014 to 12/3112014 289.74 407. County taxes 10120/2014 to 12/31/2014 289.74 108. School Tax 10/20/2014 to 06/3012015 2,510.52 408. School Tax 10/20/2014 to 06/3012015 2,510.52 109. Sewer 10/2012014 to 12/31/2014 130.92 409. Sewer 10/20/2014 to 12/31/2014 130.92 110. 410. 111. 411. 112. 412. 120, Gross Amount Due from Borrower 196,862.70 420. Gross Amount Due to Seller 182,931.18 200. 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) 185,940.00 502. Settlement charges to seller(line 1400) 23,584.27 203. Existing loan(s)taken subject to 503. Existing loan(s)taken subject to 204. 504. Payoff of first mortgage loan 205. Origination Charge Credit 350.00 505. Payoff of second mortgage loan 206. 506. 207. Reimb from seller for Termite Inspection 45.00 507. Reimb from seller for Termite Inspection 45.00 208. Seller Assist 5,000.00 508. Seller Assist 5,000.00 209• 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 Tax to 512. School Tax to 213. 513. 214. 514. 215. 515. 216. 516. 217• 517. 218. 518, 219. 519. 220. Total Paid by/for Borrower 192,335,00 520. Total Reduction Amount Due Seller 28,629.27 300. Cash at settlementrom o Borrower 600. Cashat Settlement tolfrom Seller 301. Gross amount due from borrower(line 120) 196,862.70 601. Gross amount due to seller(line 420) 182,931.16 302. Less amounts paid by/for borrower(line 220) , 5. 0 602, Less reductions in amount due seller(line 520) 28,629.27 303. Cash ® From ❑ To Borrower 4,527.70 603. Cash ®To From Seller 154,301.91 wnvai camber, r+o o"nRe"nibiW..«orae:mu,"I"m.neewrY.T,b I.E«arM m ppAd.M whl.:,o a RESPA co«r"d v:,o..9on'.nu Int«vtlon aurlrq,M1e"e,nen"�,w""«.: • "' " " Y Previous editions are obsolete Page 1 of 4 L.Settlem-eiritt-Ch-arges- Total ea Estate Broker Fees $10,500.00 Paid From Paid From Division of commission me as o ows: Borrower's Seller's 701. $5,250.00 to Re/Max Realty Associates,Inc. Funds at Funds at 702. $5,250.00 to ERA-NRT,Inc. Settlement Settlement 703. Commission paid at settlement 10,500.00 704. Broker Fee to ERA-NRT,Inc. 225.00 ems aya e n Connectionwt oan 841. Our origination charge (Includes Origination Point 0.0001%or$0.00) $685.00 (from GFE#1) 802. Your credit or charge(points)for the speck interest rate chosen $232.43 (from GFE#2) 803. Your adjusted origination charges (from GFE A) 917.43 804. Appraisal fee to SW Barrett R,E.&Appslernes (from GFE#3) 415.00 805. Credit report to Equifax Mortgage o u ions (from GFE#3) 15.30 ax service to (from GFE 807. Flood certification to CoreLogic Flood Services (from GFE#3) 5.25 808. Final Inspection to SW BarredR.E.Svcs (from GFE#3) 100.00 809. Origination Charges is made up of to USAA Processing Fee 900. Items Required byLender to be Paid in Advance 901. Daily interest charges from from 10/2112014 to 11101/2014 @$19.3688/day (from GFE#10) 213.06 902. Mortgage insurance premium months to rom 903. Homeowner's insurance for 1 years to USAA (from GFE#t 1) 685.77 904. VA Funding Fee for months to Dept o (from GFE#3) 5,940.00 1000, Reserves Deposited with Lender 1001. Initial deposit for your escrow account (from GFE#9) 1,706.71 1002.Homeowner's insurance 3 months @$ 57.15/month $171.45 to USAA Federal Savings Bank 1003. Mortgage insurance months @,s /month 1004. Property taxes months @ /month 1005.County taxes 10 months @$ 120.73/month $1,207.30 to USAA Federal-Savings 1006. School Tax 5 months @$ 300.64/month $1,503.20 to USAA Federal Savings Bank 1007.Aggregate Adjustment $-1,175.24 to 1100. Title tharges 1101. Title services and lenders title insurance rom -1,69700- 1102. Settlement or closing fee to $ 1103. Owner's title insurance-First American Title Insurance Company $ (from GFE#5) 1104. Lender's title insurance-First American Title Insurance Company $1,605.00 1105. Lenders fitle policy limit$185,940.00 Lenders Policy 1106. Owner's title policy limit$180,000.00 Owners Policy 1107. Agent's portion of the total title insurance premium $1,258.00 to Keystone land Transfer,Ltd 1108. Underwriters portion of the total title insurance premium $347.00 to First American Title Insurance Company 1109. 1110. Notary Fee to Kristen D.Shive 1111. Tax Certification tea to Keystone land Transfer,Ltd 10.0015 00 11200. Government Recording and Transfer Charges 1201. Government recording charges $ (from GFE#7) 186M 1202. Deed$79.00 Mortgage$107.00 Release$ to Cumberland County Recorder of 1203. Transfer taxes $ (from GFE#8) 1,800.00 1204. City/County tax/stamps Deed$1,800.00 Mortgage$ to umbedand County Recorder of 1205. State Tax/stamps Deed$1,800.00 Mortgage$ to Cumberland County Recorder of 1,800.00 1206. Deed$ Mortgage$ to 1300. Addiffo-n-aMe-11fre-m-enTMairges 1301. Required services that you can shop for (from GFE#6) to 1303. Pest Inspection to Inspection Center g $45.00 P.O.C.(B") 1304. to 1305. to 1306. Sewer 10/1-12131 to Camp Hill Borough 165.0 1307. Installation of Hand Rails to tep enBrink onstruction 250.00 1308, Termite Treatment to u en-M ermile C.resl tonlrol 1,033,5 1309. Home warranty to mencan ome ie 600.0 1310. Reim for Sewer Pipe Repair to nna ianco 75.0 1311. Paint Scraping to Steven Bowman 545 0 1312, Radon Mitigation to nviroquest 745.0 1313. Attorney Fee to Boswellintner cco a 600.0 1314. Inheritance Tax Escrow o Keystone an Transfer, t 7,270,71 rr r r 13,931.52 23,584.27 '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. revious editions are obsolete Page 2 of 4 Comparison o a s ma anCharges Good Faith Estima'%e UD-1 arges That CannotIncreaseOne Number Our origination charge # 801 685.00 685.00 Your credit or charge(points)for the specific interest rate chosen W 802 232.43 232.43 Your adjusted origination charges R 803 917.43 917.43 Transfer taxes 1203 3,600.00 1,800.00 Charges That in Total Cannot Increase More Than o Good Faiths ma a RDS Government recording charges Al 1201 243.00 186.00 Appraisal fee #804 415.00 415.00 Credit report #805 15.30 15.30 Flood certification #807 5.25 5.25 Final Inspection #808 0.00 100.00 VA Funding Fee #904 5,940.001 5,940.00 ;; 6,618.551 6,661.55 W' $43.00 or 0.6497% Charges That Can Change Good Faiths ma e Initial deposit for your escrow account 1001 1,400.40 1,706.71 Daily interest charges from #901 $19.3688Iday 23243 213.06 Homeowner's insurance Ji 903 338.40 685.77 Title services and lender's We insurance #1101 1,855,00 1,697.00 Owner's title insurance #1103 0.00 0.00 Loan Terns Your initial loan amount is $185,940.00 Your loan term is 30.years Your Initial interest rate is 3.7500% Your initial monthly amount owed for principal,Interest,and any mortgage $861.12 includes insuranceis ®Principal ®Interest Mortgage Insurance Can your interest rate rise? No. n Yes,it can rise to a maximum of %. The first change wr a on q / and can change again every years after 1 1 Every change date,your interest rate can increase or decrease by °h. Over the life of the to , your interest rate is guaranteed to never be lower than %or higher than /o. Even if you make payments on time,can your loan balance rise? ®No. ❑Yes,it can rise to a maximum of$ Even if you make payments on time,can your monthly amount owed for ®No. Yes,the first increase can be on t t and the monthly principal,interest,and mortgage insurance rise? amount owe can rise to$ The maximum it can ever rise to is$ Does your loan have a prepayment penatty7 t:J No. 1:1 Yes,your maximum prepayment penalty Is$ Does your loan have a balloon payment? ®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 an homeowners insurance. You must pay these items directly yourself. You have an additional monthly escrow payment of$478.52 a results in a total initial monthly amount owed of$1,339.64. This includes principal,interest,any mortgage insurance and any items checked below: ®Property taxes ®Homeowners insurance Flood insurance ❑ Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your lender. Previous editions are obsolete Page 3 of 4 Signature Page HUD CERTIFICATION F 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. Ste en . abo Ch' ' aSabo Estate of Gladys I.Burns Settlement Agent e ett ement tatement w is ave prepare is a true ani accurate account o t is transaction, ave cause or w cause t e un s to a is urse in accordance with this statement. SETTLEMENT AGENT DATE WARNING:IT IS A CRIME TO KNOWINGLY MAKE FALSE STATEMENTS TO THE UNITED STATES ON THIS OR ANY SIMILAR FORM.PENALTIES UPON CONVICTION CAN INCLUDE A FINE AND IMPRISONMENT.FOR DETAILS SEE TITLE 18:U.S.CODE SECTION 1001 AND SECTION 1010. revious editions are obsolete Page 4 of 4 ♦tin of Sectionrr Credits Name of Borrower: Name of Seller: File Number: Prepared 10/20/2014 at 3:26 pm Note:This page displays an itemization of the credits shown in section 200 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. Credits Credit OriginationItemization of Your Loan Name of Borrower: Name of Seller. File Number. Stephen J.Sabo Estate of Gladys I.Burns 14247 Christina Sabo Prepared 10/20/2014 at 3:26 pm Note:This page dlsplays an itemization of the adjusted origination charges shown in section 800 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. Your Loan Origination Charges Borrower Seller 801. Our origination charge (Includes Origination Point 0.000%or$0.00) Origination Fee to USAA FederalSavings Bank $ 685.00 802. Your credit or charge(points)for the specific interest rate chosen Discount Points to USAA FederalSavings Bank $ 232.43 803. Your adjusted origination charges 917.43 0.00 Itemization of Line I r Name of Borrower. Name of Seller: File Number. Stephen J,Sabo Estate of Gladys 1.Burns 14247 Christina Sabo Prepared 1012012014 at 3:26 pm Note:This page displays an itemization of the charges shown on line 1101 of the HUD-1 Settlement Statement.This page accompanies but Is not a part of the HUD-1 Settlement Statement.If a discrepancy exists,the information on the HUD-1 Settlement Statement applies. 1100.Title Charges Total Charge Borrower Seller 1101,Title services and lender's title insurance to Wire In Fee to Keystone Land Transfer,Ltd S 12.00 12.00 EmaillDoc Copy Fee to Keystone land Transfer,Ltd $ 35.00 35.00 Notary Fee to Kristen D.Shiva $ 45,00 45.00 1102. Settlement or closing fee to $ 0.00 1104.Lender's title insurance-First American Title fo First American Title Insurance $ 1,605.00 1,605.00 Totals: $1,697.00 0.00 1,697,001 OA SelleriLender credits shown on page I POC=Paid Outside Closing CR=Lender Credit Previous editions are obsolete Page 1 of 1 a cm r tC3 cm U S N ° co T V J Cm r o 0 in to a 4r, c 0 0 _ 60 c L z 0 0~C c o. E i -� ~ ix LU N fic m ui � 0 U- u F=- C-,) Y 0 civ R 7 E m j d . . .:.. w coz > z w c WN o tea. Q Q U F Z �° o 0 o c o Q C�3Q 0 'Qo v `„' `C" t� Znw w cc z CIZ 00 r V) m o a a N cn r� Q. wU � z Qu7 - 'N o o CQzQ a.. w o �:z zQCQ '� W � ccl rrau. z V m F -'�wa a+ LE) � Z � (J � w pa n gHUa "' U m -' azo as a z u z 0 r- > U i w p Z z= chi Q Q vwi y U !q;,':. rIj �<< 0 CJ 5 ""p a t]tnx wggq ? U Ww�mU " musd © dQ }d. Qw � IrV cru zs ° 5 ° � ° i QC W i ( 1 o 00 r N Ncli r� Of K. 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E djk / £ :/; z e S § p ! $ / f M •\/k C3 70 . � } \ \ /&2 aq # = u w & } i6 . � 7 0u73 4) m .. � . - § z % /\ . n .09 / \ \ \ If .� / I »c , �G U \ . k f r k \\ / kk� \ kk $ \/ � 110-0040 32ND STREET (106) 1400 CAMP HILL SHOPPING MALL CAMP HILL, PA, 17011 Cashbox 01 Duplicate Business Date MAR 14, 2014 Calendar Date MAR 14, 2014 Cash Check / Withdrawal 14:21 Transaction Number 00131 _ Account Type Checking/Savings Account Number XXXXXX9118 Transaction Amount $ 37,418.47 This deposit or Payment is accepted subject to verification and to the rules and regulations of v. this bank. Deposits may not be available for immediate withdrawal. Receipt should be held until verified with your statement.