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04-23-15 (2)
r ' pennsylvania 1505618403 o�AmvaI-F"'T-X(03-14) REV-150t0 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 0719 ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death MMDDYNYY Date of Birth AMADDYYYY 07 04 2014 10 18 1934 Decedents Last Name Suffer Decedents First Name til BANDY SHIRLEY A (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 1. Original Return 2.Supplemental Return 3. Remainder Return(date of death X El prior to 12-13-82) 4. Agricultural 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 12-122) 7. Decedent Died Testate S. 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 RICHARD L WEBBER JR ESQU 717 532 7388 First Line of Address 126 EAST KING STREET Second Line of Address City or Post Office State 21P Code SHIPPENSBURG PA 17257 Correspondents email address: rwebber(a-weigleassociates.corn REGISTERPf WILLS USE bQ Y C= "-' rn REGISTER OF WILLS USE ONLY Q rrI DATE FILED MMDDYYYY � O 1J' DATE Flk LPAMP r� rn* c cn o Iv -,n Side 1 L._ 1111111 II[II IIIII[1111[1111 IIIII IIIII IIIII IIIII[1111 lill 1[II 1505618403 1505618403 j 1505618411 REV-1500 EX Decedents Social Security Number Decedent's Name: Bandy, Shirley A. RECAPITULATION 1. Real Estate(Schedule A)....................................................................................... 1. 2. Stocks and Bonds(Schedule B)............................................................................. 2. 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. 15,004 - 56 6. Jointly Owned Property(Schedule F) ® Separate Billing Requested............ 6. 115,500- 00 7. Inter-Vivos Transfers&Miscellaneous Non-Probate Property (Schedule G) F1 Separate Billing Requested............ 7. 8. Total Gross Assets(total Lines 1 through 7)........................................................ 8. 130-,504 .56 9. Funeral Expenses and Administrative Costs(Schedule H).................................... 9. 311-,1117-56 10. Debts of Decedent,Mortgage Liabilities and Liens(Schedule 1)............................ 10. 92-1868- 01 11. Total Deductions(total Lines 9 and 10)................................................................ 11. 122,975-57 12. Net Value of Estate(Line 8 minus Line 11).......................................................... 12. 7,528- 99 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. 7-1528- 99 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. 0 0 16. Amount of Line 14 taxable at lineal rate X .045 7,528-99 16. 338-80 17. Amount of Line 14 taxable at sibling rate X.12 0.0 0 17. 0 . 0a 18. Amount of Line 14 taxable at collateral rate X.15 11-1111 18. 11-1111 19. TAX DUE................................................................................................................ 19. 338 -80 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. SIGNATURE OF PE ON RE ONSIBLE FOR FILING RETURN Lois A-Higgins DATE ADDRESS 9 Carlisle Road,Newville,PA 17241 SIGNATURE OF P PA ER OTHRT N REPRESENTATIVE Richard L .Webber,Jr., Esquire y PATE �- ADDRESS 126 East King Street,Shippensburg,PA 17`257 Side 2 1505618411 1505618411 REV-1500 EX Page 3 File Number 21-14-0719 Decedent's Complete Address: DECEDENTS NAME Bandy,Shirley A. STREETADDRESS 9 Carlisle Road CITY STATE ZIP Newville PA 17241 Tax Payments and Credits: 1. Tax Due(Page 2,Line 19) (1) 338.80 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) 338.80 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............................................................................................................... d. receive the promise for fife of either payments,benefits or care?............................................................ ❑x 2. If death occurred after Dec. 12, 1982, did decedent transfer property within one year of death without receivingadequate consideration?.................................................................................................................... ❑ 0 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 E] ❑ containsa 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 p2 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 decedents 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-1508 EX+(08-12) SCHEDULE E pennsylvania CASH;,, ':ANK DEPOSITS, & MISC. DEPARTMENT OF REVENUE INHERITANCE TAX RETURN a •-w,.a?L�tl�.i� PROPERTY RESIDENT DECEDENT ESTATE OF FILE NUMBER Bandy,Shirley A. 21-14-0719 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the rigid of survivorship must be disclosed on schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1 Bank of American Checking Account#229007503116 812.24 2 Cornerstone Federal Credit Union Checking Account#27383 6,045.38 3 Cornerstone Federal Credit Union Savings Account 25.06 4 Fidelity Brokerage Services LLC -Credit balance 24.78 5 Highmark -Refund 197.10 6 U.S.Treasury-2014 federal income tax refund 1,225.00 7 2003 Mercury Sable Motor Vehicle-(62,000 miles) 51000.00 8 Household Items 1,675.00 TOTAL(Also enter on Line 5,Recapitulation) 15,004.56 (If mon: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-1509 Dr+(01-10) pennsylvania SCHEDULE F DEPARTMENT OF REVENUE JOINTLY-OWNED PROPERTY INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF FILE NUMBER Bandy,Shirley A. 21-14-0719 If an asset was made joint within one year of the decedenes date of death,it must be reported on schedule G. SURVIVING JOINT TENANT(S)NAME ADDRESS RELATIONSHIP TO DECEDENT A. Lois A. Higgins 9 Carlisle Road Daughter Carlisle,PA 17013 B. C. JOINTLY OWNED PROPERTY: DESCRIPTION OF PROPERTY °!e OF DATE OF DEATH ITEM VALUE OF FOLETTER N MA E NUMBER OR SIMILAR IDENTIFYING NUMBER ATTE OF FINANCIAL INSTITUTION AND R BANK FOR ACCOUNTDATE OF DEATH DECD' DECEDENTS INTEREST NUMBER TENANT JOINT JOINTLY-HELD REAL ESTATE ALUE OF ASS INTEREST 1 A 01/01/1997 Bank of American Checking Account 14,000.00 50.000% 7,000.00 #003702297642 2 A 01102/2013 Real Estate together with improvements 217,000.00 50.000% 108,500.00 thereon,situate in West Pennsboro Township,Cumberland County,Pennsylvania known as 9 Carlisle Road,Newville,PA 17241 Containing 3.15 acres TOTAL(Also enter on Line 6,Recapitulation) 115,500.00 (If more space is needed,additional pages of the same size) Copyright(c)2010 form software only The Lackner Group,Inc. Form PA-1500 Schedule F(Rev.01-10) �REV-1511 EX+(08-13) � pennsylvania SCHEDULE H DEPARTMENT OF REVENUE FUNERAL EXPENSES AND FITDcE "� RSDEiENT ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER Bandy,Shirley A. 21-14-0719 Decedent's debts must be reported on Schedule I. ITEM DESCRIPTION AMOUNT NUMBER A. FUNERAL EXPENSES: See continuation schedule(s)attached 15,060.81 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Lois A. Higgins Street Address 9 Carlisle Road City Newville state PA Zin 17241 Year(s)Commission Paid 5,000.00 2. Attorney's Fees Weigle&Associates,P.C. 6,000.00 3. Family Exemption_ (If decedents address is not the same as claimant's,attach explanation) 3,500.00 Claimant Lois A.Higgins Street Address 9 Carlisle Road city Newville state PA ZID 17241 Relationship of Claimant to Decedent Daughter 4. Probate Fees 183.50 5. Accountant's Fees 6. Tax Return Preparers Fees 7. Other Administrative Costs 363.25 See continuation schedule(s)attached TOTAL(Also enter on line 9,Recapitulation) 30,107.56 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 Bandy,Shirley A. 21-14-0719 ITEM NUMBER DESCRIPTION AMOUNT Funeral Expenses 1 Air fare-Trip to Florida for service 2,311.84 2 Beef O Bradys -funeral meal 244.30 3 Bistro Atelier 104.79 4 Car rental-funeral 62.65 5 Hoffman Roth Funeral Home 12,300.23 6 Point of Rocks Valer 37.00 H-A 15,060.81 Other Administrative Costs 7 Cumberland Law Journal-Advertising 75.00 8 Jones&Martin Auctioneers-appraisal fee 200.00 9 Valley Times-Star-Advertising 88.25 H-137 363.25 Copyright(c)2002 form software only The Lackner Group,Inc. Form PA-1500 Schedule H(Rev.6-98) Rev-1512 Dr+(12-12) SCHEDULE 1 pennsylvania DEBTS OF DECEDENT, DEPARTMENT OF REVENUE INHERITANCE TAX RETURN MORTGAGE LIABILITIES AND LIENS RESIDENT DECEDENT ESTATE OF FILE NUMBER Bandy,Shirley A. 21-14-0719 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 Big Spring Pharmacy-Paid by John Bandy 103.58 2 Doctor bill 699.00 3 Florida Capital Bank Mortgage-One-half of balance 84.422.50 4 MECO-Mastercard 5,758.86 5 Millenium-prescriptions 693.66 6 Pa.Department of Revenue-2014 State income tax 80.00 7 Swaim Health Center 1,110.41 TOTAL(Also enter on Line 10,Recapitulation) 92,868.01 (If more spaoe is needed,additional pages of the same size) Copyright(c)2012 forth software only The Lackner Group,Inc. Form PA-1500 Schedule I(Rev.12-12) SCHEDULE J BENEFICIARIES (Part I,Taxable Distributions) ESTATE OF: Shirley A.Bandy 07/04/2014 Item Name and Address of Person(s) Share of Estate Amount of Estate Number Receiving Property Relationship (Words) ($$$) 1 Paul W.Bandy,Jr. Son Twenty Percent of 0.00 17140 Toepfer residue Eastpointe,MI 48021 2 Jonathan W.Higgins Grandson One-Eighth of Ten CO? 00 1555 Delaney Drive,Apt.411 Percent of Residue Tallahassee,FL 32309 3 Lois A.Higgins Daughter Net Joint Assets 7528.99 9 Carlisle Road plus 40% residue Newville,PA 17241 4 Nicholas A.Higgins Grandson One-Eighth of Ten 0.00 9 Carlisle Road Percent of Residue Newville,PA 17241 5 Aaron J.Imhoff Grandson One-Eighth of Ten 0.00 123 E.Garfield Street Percent of Residue Shippensburg,PA 17257 6 Angelia J.Imhoff Granddaughter One-Eighth of Ten 0.00 3 Pinebrook Lane Percent of Residue Newville,PA 17241 7 Ariyah M.Imhoff Great-granddaughter One Eighth of Ten 0.00 3 Pinebrook Lane Percent of Residue Newville,PA 17241 8 Jorden M.Imhoff Great-grandson One-Eighth of Ten 0.00 3 Pinebrook Lane Percent of Residue Newville,PA 17241 9 Phyliss A.Imhoff Daughter Thirty Percent of 0.00 123 E.Garfield Street residue Shippensburg, PA 17257 1 SCHEDULE J BENEFICIARIES (Part 1,Taxable Distributions) ESTATE OF: Shirley A. Bandy 07/04/2014 Item Name and Address of Person(s) Share of Estate 7Amount of Estate Number Receiving Property Relationship (Words) ($$$) 10 William B.Imhoff Grandson One-Eighth of Ten 0.00 123 E.Garfield Street Percent of Residue Shippensburg,PA 17257 11 Sara G.Warren Granddaughter One-Eighth of Ten 0.00 1435 N. Harmon Road Percent or Residue Newburg, PA 17240 2 tt4� { k ri ' C I SHIRLEY A. BANDY. preseift VLInb )Mand Com Pennsylvania vd-a siffeei address off-9 Card-:Ls1e.Road,Nva--aLe,PA 1 s"7 1,beiug of sommd mind, memory and disposition, do hereby make, publish .and: declare this my 11,ast Wff md. Tes-==z hereby-revoking and malanff void all prior-WTis and Codices by me,zf-any- ; I ST: PAYMENT OF EXPENSES - I order and diree: my personal repro u+afive hereinafter named to pay all of my rust debts, funeral expeanses and expenses involved or connected with the administration off my est as soon after my death as is ireasonably poss=ble. If I do not own a brrial plot or a gave marker at the time of my dem; I auffior4ze, my pesonal representative, in his, her or its sole diserefon, to purchase a hurid plot and to erect a suitable gave marker ai my gave,and to expend sams mom my estate for this pose. SECOND: RESIBIE OF FSA — I Eavv,devise and bequeaffla all the r mairder of my=estate,real per-onal and mimed,whatsoever and wheresoever situate as follows: t A_ f oAy percent(410%)to my daa�hter,LOIS A I=iIG S,. B- Thiriy percent(30%)to my dau Iter PJY S A.]AMO ; C. Twicnty percent(20%)to my son,PAS W BANDY,JR;and 33_ Ten percent (I(10%) to be divided equally among my grandchildren and my meat pandehildren,with each Peron in that class receives an cal amount E3 QQYjB: PRIOR LOAN — 11he loan ffiat I made to my daughwtzr, LOIS A. ]JIGGINTS at fe tme that she purchased the real es-tate kiovi as 9 Carlisle Road_,New-vdlle,PA J 172241 1 Ts hereby for-oi%fem k"191 1' FouR H: COI\TT TGKN°T BEN-MCLAMES—If any of my-children predecease me t but leave descendants who so-s=-,ve me, such descendanE ms' all receive, per sdrpes, (by - 13 representation) the shy that such predeceased child. v~ uld have received had he or she so �1 04 f!� f VV=-G--=- - ASSOC1--t�. ?G -sT_RNEY5 - F—AWf- 126 EAST iQnCz �-:Z= - SF£-?chSBURC—, ?A 17_57-1.=53 €€ g `t E Ff - 3j -. A E { J..S YtY v�S. df-v. orae o my children predeceases Vii. Vl���s F.k �eJce-n --anis but the other child T1s y}t eT s+ z m �1 �o �.-�- vi til �...ti t�itTe�`me,1�"'..'�t�'..i3T.r JS�entire 4..J:.i:L L�lJ�V a3^.SL Y�C e���.?child- FIFTH: �ld- YYY FIFTH_ AWW OR BENEFICLARIES -Ii any 7mpi_nty ass- outdgbt(ember dLr this s 'VV&ll or o`shmvi.se)to a minor(which shall be-&--fined as anyone oder tv?en.5-one (21) yew or age) and with r i to I am ant orized gu to appoint a ardiam and have rot otaerwie specifically done so, I decline to appoint a gl=dim bnt instead authorize my R-cecutor to dis 6bute such proparty to a Cstodan selevted by my Executor (and my Executor may act as such Custodian) as Custodian Por the minor under the Pennsylvania Uni orn Tr asters to tenors Net Prov'ded however, that appo�tment s� not su��sede e of may. diiciary to di-� a share-where possible to the minor or to anothier for the minor7s bene SLXTH PI MSO-NAL RUR RI SW*4TA 'E—I no constitute and appoi my dau ted LOIS A.HIGGINS to be the Rxecutdx of my I 'VIEll and Testament in the event that she be nmab e to-tel the dudes of Ex-ecntrix,I then nominate,consti ute and appoint F` MA RUBY as Excc- { x of ibis my bast WM and Testament- SEVEN-M.- estament- Ste'M.- WAIVER OF BO" - I direct that my personal repre��`wdve-(s), Gua dians, and Trustees shad not be regaired.to give bond for the % it-inl perPoanance of heir dulies is any jmisdiction. IFGH-- CO PT-NISATION Ole' FIDUCIARIES - ll�iy 1�ec�or(s) and Trustee sh ` be entitled to reasonable compensation far his or her services rendered tom time to time $ andlor to reimbursement of out-of-pocket expenses. `�'TH: TSS-I hereby direct that all fGderat,state and other death taxes payable because of my= death, with to the property 'Lomii3ag my mss estate for ta-K p-=Oses- # whether or not passing under this. Nils, including any interest or penalty imposed in connection with such taxes,shall be considered a part of the expense of adms�istradon of my estate and that such be paid out of the rest and residue of my estate_ i VVEIGi— 3 ASSO Y-FES. ?C_ —Al iORNE S AT A1--W— 125 . ASl PGNG3 5!2't�i�-— SH=-- EN1S--UFZC-. P"� 17251 1397 f t j i S �� -C)�,L SBMZLEY A-BANDY have haretmto s:L-=y homid aad s t to this my -t NVIH and Tasttam;,n:, the fir L two (2) Ages sign-- M- cem-ifiea-lian out, dayof 201A. 0 i r^.SSGCI?-s r5, C_ -Ai uC \--Y5 AT -rms in-&Lrument -vas lj�y the T�S� on dh--� hcrcot sagned, publis�hed and dcalar�d b., LSUMLEY A..B AVIDI Y to b-a her Last VhR and.T—b in mar p--,senice,whe ai h—,.-re-ques-I and in the pressence- offeach o'La,-r- w-a be-l-Ining her tja be of sound and di-isposing mind and memory� have hereunto--uhscri-bed oir nam as witnesses- �SSOCLA:I-S. =C- ---170,NEYS AX 1-1-10W - 126 FAST tGINIG S-=-a-I PA 17257-1397 �p EF j 3 e ss COVN A Y OF C-UNMEi�c`1LYD L SEnRLEY A. BANDY, the person whosse nac,is signed-Lo 1he foregoing irstrmment haves been d d-, y gmlified accord, to law do hereby aclmowleda-e tea$. I limed and exec ed. -the in eDt as my Las%Will;that I sued it udilinoy,and that i signed RL as my d voluniary au far the proses mein expressed. ,���stet.,%�=L�L� 1�". Vii✓ ���rl��, t Swam or afimed to and ac"—owled, ed before me by SBHZLFY A-.BANDY,the` e-,Aatdx, tis da_y of Na=tary PublicM-1-HARD UATHER JR.,NGTAXf'fIUSLI(; . fif Y Gr-AIR-IN�fIGN BORES)AIN-mg,27.2014 LS C-c. a AS SGChi�. RG —.ii i GscZs\�S A: LAW— 125 ZEA51 PUN=t rc-=t — s.IPr�1FSSLT�G. RA 17257-1397 COINUMMONW-EALM OF PENNSY1ATAINKI-I A SS COUTNTIFY OF C-UNMad-A-2-ND and we, !,L/ Afzi Mf 7 Cfe! he vAinesses vvgs�umnes are sin-mess to the forego -instrument being duly an--U ed accoiding, to lavw;do deposa and say thatwe was present'and saw-SMRLEY A.BANDY-the TesL? sign as t -u- -Ara hal she amed willinja y and that she executed itt d execute the instrument as her Last her kee and voluntary act for the purposes thamea expressed, that--& of us i-a the hearing and sib of the Te,-atrix, signed the Will as witness; and that to t� best of our knowledge the Testatrix was at the time eighteen (18) or more years of age and of soimd mind and under no constant or undue influience. r; Swom or affinned to and subssari-bed bemire use by Aand Ci - witness .s is Rq -' day of 20JA No vary Public DTAP SEAL MMAR3 AFE-HER R,AMNIM M81 IG ISHIPPEWSTUIRG BONN.. C0UkW OR-CXMAMS -01,EXPIRES ALIGUFt 2_7,2014 WMEGLE a ASSOCI-97,—Zs. Pc_ — icCl- c—'VLI — 126 E-AST 11UNG =�----T—SHL-PE—MESBURG, P--I- 17757-1397 BankofAmerica'��I PO Box 25118 Tampa,PL 33622 August 12, 2014 LOIS A HIGGINS 9 CARLISLE RQ NEWVILLE PA 17241 Estate of:shirley A Bandy Case number:21616155 Lois A Higgins: Please accept our sincere condolences on the passing of Shirley A Bandy. We understand that this is a difficult time.When you're ready to make the necessary account changes or close the accounts,we've provided an overview of Shirley A Bandy's accounts held at the bank as well as an overview of the documentation that will be required. To update our records and to close the accounts,please return all of the requested documents in the envelope provided,Additional documentation may be needed prior to completing your request.. The account ending in 3116: • Our records indicate the account is titled in the sole name of the decedent. • To up ate our records and close the account, we nee one of the following: o A certified copy of a court document indicating the appointment of a Personal Representative, Executor or Administrator and a notarized letter indicating specific distribution instructions from the person appointed by the court. The court document must be dated within the past six months. OR o A certified copy of a court order,which includes specific distribution instructions. OR • A Small Estate Affidavit,if applicable per state statute If necessary, please contact a legal advisor for help on determining the proper documentation. • When we receive and review the requested documents,the account will be closed and the funds will be disbursed according to the distribution instructions. The account endine in 7642: • Our records indicate that the arro, ointly owned with Right of Survivorship. • The name of the decedent should be removed from the account. Removing a signer requires completion of the enclosed Personal Signature Card signed by the remaining owner and a letter of direction requesting the removal of the deceased.When you can, please complete and return the Personal Signature Card with the letter of direction in the enclosed envelope.When completing the form, please give attention to the following: • The form should be filled out using black or blue ink • If you make an error,please line through the error, make the correction, and initial. A new form may be required if the form we receive contains multiple or significant corrections. We're here to help If you have any questions,please call us toll-free at.i..855.893.8793,Monday through Friday from 7 a.m. to 1 a.m. or Saturday and Sunday from 8 a.m.to 8 p.m. Eastern.We appreciate the opportunity to serve you and your financial needs. Enclosure(s): Signature Card, Business Return Envelope Bank of America "" . Wilmington,DE 119950 Customer service information 4}) Customer Service: 1.800.432.1000 11;•I<��€jtl<�I��I�11111�I1F1�1F�Ilc><�>,t�a��ll��lllll��,IIIIIE�I�II� As o 075 338 000 017388 #001 SP 0.406 TDD/TTY users only: 1.800.288.4408 En Espartol:1.800.688,6086 SHIRLEY A BANDY + bankofamerica.com LOIS A HIGGINS 9 CARLISLE RD Bank of America, N.A. P.O.Box 25118 NEWktILLE,PA 17241-9402 Tampa,FL 33622-5118 Your combined statement for June 12,.2014 to July 14,2014 Your deposit accounts Account/plan number Ending balance Details on Regular Checking-Advantage Relationship 2290 0750 3116 $812.24 Page 3 Money Market Savings_ 0037 0229 7642 - $13,789.15 Page 5 Total balance $14,601.39 ;Q1n kis in helping£fmni( �t.T-our enr in-r;g Service members and Vete r8ns to the t.bin?a they need to,-nakE-flwir lio s better.Express yl0ur tivrik:;at#troopr€sa'rks. or 4.ankafamerica.co ftr€opthanks.and v"a'II donate;I—up it)$1 ntillianto ;onproi �+dic.i wd i:( helping tllEm 5 7cc:!i?i�lan?r{ dI home. . coir;Lis at,ftroo thanks or bankrsf'a erlca.cr alt o iatfrarti s. VIAY ,@.h.: 1Vi L'�S`JV. Y'.Y- Z%A-TNS,,,' Ynl`:?vtrlit«R'UtQFnit w�`� .. s lrc - 3 - i a #.�, .tF•�taal ,z. �t: �,a=,tz�*e °.Ki, :>i.4 s:y f ,. �¢ ._._.._._.._ ..,. ... ._. _.... . ........ .. ........... .. ._._..... ..................._.. ., ......,__._.......__......._...__... ......._.._----__.._..._:... .......... MAU,:e CYCLE:7 SPEC.0 DELIVERY!P TYM .MALE:A 3C:rl. Page 1 of 6 T kcr check 'g account Account number:2290 0750 3116 Your Regular Checking - Advantage Relationship SHIRLEY A BANDY LOIS A HIGGINS Account un summa Beginning balance on June 12,2014 $872.24 Deposits and other additions N — _ 0.00 .._......_......._......._._........_.__.._..._...,...._...__........................_........._.._......................._..... ...._..,._ ATM and debit card subtractions -0.00 ---.....__..._...__...._............................ _.....-._.................................._...................__--- ... Other subtractions -0.00 -....._...._.............._...._._......._.....................—_.....................__...__ .........—_ _.._............_....._. Checks -60.00. .._....................._........__.._.. ...... ....._.....-._.......__._....................... --._._._....._..._......_._..-—- Service fees -0.00 ---------................_..........—.._...._... .... _........_...................._._...._...._......--..... - --.—__ Ending balance on July 14, 2€214 $812.24 Checks Date Check# Amount Date Check N Amount 06/20714 2385 -30.00 06/30%14 2386 -30.00 ..............—_—..............._......_�._._ _.__........_................._.._....._..__....._..—. —__ ___ ____...—...........__. Total checks $60.00 Total#of checks 2 _ ..... ,. _•.._.__ .,.... _.._.. njoy life's firsts m king the most of your oI Bey. for free Vii+ OR M. Page 3 of 6 CORNERSTONE O.Box 1 181,5 Eastgate Drive,Carlisle,PA 17015 Federal Credit Union Telephone (717) 249-1661 FAX (717) 249-8208 Member founded—Service based www.cornerstonefcu.coop August 7,2014 Weigle&Associates, P.C. 126 East king Street Shippensburg, PA 17257-1397 Re: Shirley A. Bandy Account Information Richard, Please find below the requested information on Shirley's account here at Cornerstone. Account Number—27383(Single Savings and Checking) Savings and Checking accounts both opened 12/24/2012 Savings Balance as of July 4,2014-$25.06 Checking Balance as of July 4,2014-$6,045.38 No deposit box. Sincerely, ti. (11-14 e Kathy Keiser Financial Service Representative MEMBER SAVINGS ACCOUNTS FEDERALLY INSURED TO $250,000 BY THE NATIONAL CREDIT UNION ADMINISTRATION Fidelity Brokerage Services LLC NO. 920215738 ;__ 07/21 CREDIT BALANCE 24.78 q -- -:- _- CCOUNT NO. 6714031481 = FOLD.CREASE AMID TEAR HERE TO RSfiIOVEE CFLECJ: —VERIFY THE AUTHENTICITY OF THiS 1t7UlTi-TONE SECURITY DOCUMENT. _F5CHECK BACKGROUND AREA CHANGES COLOR GRADUALLY FAOM TOP TO BO.:r s ENY:MECLON;TRUST OF DELAWARE`•. °• 6odrev+c.:Juae Qmm:ao&mt2�x tJEWARI(,'DELAWARE. NO"920215738 F°IDELITYI 62=$5/711 S KERA_GE SERVICES CLC.,,..•' .':� ;;PAY' Twenty`Four Dollars and:78 Cents Exncrtr,. • � "$24'.78 * � :. TO THE SHIRLEY A BANDY Not Valid.After 90 Days: ORDER OF 9 CARLISLE RD NEWVILLE PA 17241-9402 National Financial Services LLC MEMO: AUTHORIZED SIGNATURE ' Ir9 20 2 1S ? 313111 1:03 110035 P: 11'0 300 9 7 4 20 1111 ® A NOI.LVWO=W3d 0NO1V aV31(INV OIOd N3dO 01 ISHIA S3003 MIS 3AOINSN HIGHMARK, Date: 07/15/2014 This Month Gross payment amount 197. 10 Net payment amount 197. 10 0465508 �- ., � .. - �-.. .. ,, .. �.._ ^,�r7��:�'�?af§lxi�J��ax....}.°�.rl�ae. .tJs.F`i321�7�V3+�irf.:... ---.....—......___.�_ .. �.... _._—____•.___, .. -NSBANK 0465508 H3-7615 350Premium Refund DATE AMOUNT' 5/2014 3~97 .10 I �` Void rfnot cashed-within 1 year *ONtl-HUNDRED :;.NINETY 8EVtk: AND ..10/10 0 DOLLARS* PAY THE ESTATE OF SHIRLEY A BANDY.,.,.... TO THE 9 CARLISLE RD ORDER OF NEWVILLE PA 17241 # WI}iOAITED SIQdANRE 1}'046550811' 1:0360 ?6 L501: 6 20545 258 L"" 2003 Mercury Sable LS Premium Sedan 4D Used Car Prices -Kelley Blue Book Page 1 of 2 ZIP CODE:17240 1 Sign in(or Sign up) Home Car Values Cars for Sale ( Car Reviews Awards Top 10s Research Tools AL'S-iti- lBSS6 _ . Popular at KBB.com Fuel EC0n0MY IC Q` �It 10 Best Sedans-Under$25,000 of 31 HWYMPG' Advertisement Why ads? 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Check Your Save On Buy an Auto Insurance Extended or 2G r ,mKl W2rrarJy Viewed Cars My Saved Cars Save car http://www.kbb.com/mercury/sable/2003-mercury-sable/ls-premium-sedan-4d/?condition... 12/19/2014 Michigan Educational � /f (�II Credit Union 3umr�7�r (feletratiota c,Corxra 9200 Haggerty Road Plymouth, MI 48170 A� ADDRESS SERVICE REQUESTED 734-455-9200 www.michedcu.org Available June 1-AtjgmI 31.2014.Calf for details. 04139 II,I,II,IIII,IIIIIIIIIIIIIIII'I'IIIIIIIIIIIILIIIIII'III �_. SHIRLEY A BANDY f 9 CARLISLE ROAD . NEVWILLE PA 17241-9402 Jr ti` , REG Page 1 of 2 C MR- Member Number Statement Date 2118050 06-30-2014 u Summary at a Glance Total Deposits $682.51 Total Loans $0.00 1 y Summary of Accounts Ending Ending YTD Fin. I Account Balance YTD Div Loan Balance Charge Regular Share 620.20 0.47 Overdraft Protection Loan 0.00 0.00 Share Draft 62.31 0.00 Total $682.61 $0.47 Total $0.00 $0.00 Regular.S.hare : 1 1 11 Trans Eff Date Date Description Deposit Withdrawals Balance 06-01 Starting Balance 620.12 06-30 Credit Interest 0.08 620.20 Your Account Earned $0.08 From 06-01-2014 Through 06-30-2014 VUth An Annual Percentage Yield Earned Of 0.160% Summary of Overdraft and Returned Item Fees Total for This Period Total Year-to-Date Total Overdraft Fees 0.00 0.00 Total Retumed Item Fees 0.00 0.00 �-Shard-Draft-1710012118059 5 t Trans Eff Date Date Description Deposit Withdrawals Balance 06-01 Starting Balance 62.31 Your Account Earned $0.00 From 06-01-2014 Through 06-30-2014 E t With An Annual Percentage Yield Earned Of 0.000% Summary of Overdraft and Returned Item Fees I Total for This Period Total Year-to-Date Total Overdraft Fees 0.00 0.00 Total Returned Item Fees 0.00 0.00 " Tc:,u ,r..`ar, ao'csszs v`F`u vte z+:n e ,l --nd; a by ;i'gni g uz _ �4f��'4F'Fi°c;it=� -�ht •- r- TONES & MAR TINA UCTIONS & APPRAISALS 544 MOHAWK RD. NEWYILLE PA 17241 717-226-0776 OR 717-776-9498 Appraisal for the Estate of Shirley A. Bandy Costume Jewelry 150.00 Royal Tea set w/server 75.00 Pink Depression Glass in China Hutch, salt&peppers,plates,cups,candle holders etc.;400.00 Crystal glass item in curio cabinet 15.00 2 door glass back oak curio cabinet 150.00 Dining room table w/4 chairs 50.00 China hutch 50.00 Harmony House china set 35.00 Couch 30.00 Recliner 25.00 Loveseat 20.00 Futon 40.00 Glass top Bamboo table w/4 chairs 75.00 5pc. Oak King size bedroom suite 500.00 Bevel glass mirror 15.00 Cedar wardrobe 45.00 TOTAL: $ 1,675.00 AUCTIOlS'S A)E''P1ztA1S kLS Ir'rt. # 201301000 Page I of 6 T CERTIFIED PROPERTY IDENTIFICATION =14BERS 46-20-1756-004 - VEST. PENNSBORO CCGIS REGISTRY 01/10/2013 BY TE Tax Parcel#46-20-1"156-004 /W A$-40-417$0-00 �THls DEED MADE THUS day of in the year of our Lord two thousand and twePre(2010. V BETWEEN ALLEN ANDREW MCELWAIN, Executor of the ESTATE OF ELIZABETH L. MCELWAIN, a/k/a ELIZABETH A. MCELWAIN, a/k/a ELIZABETH LEISHER MCELWAIN,hereinafter referred to as"Grantor" AND LOIS A. IHGGINS, single woman, and SHIRLEY A. BANDY, single woman, of 9109 Birch Run Lane, Tallahassee, FL 32312, as joint tenants with right of survivorship and not as tenants in common,hereinafterer called"Grant6es". WHEREAS,the said Elizabeth L.McElwain,a/k/a Elizabeth A. McElwain,aka Elizabeth Leisher McElwain, was vested in her lifetime with title to real estate heieinafter described, situate in West Pennsboro Township, Cumberland County, Commonwealth of Pennsylvania;and, WHEREAS, the said Elizabeth L. McElwain, a/k/a Elizabeth A. McElwain, a/k/a Elizabeth Leisher McElwain,died testate on November 11,2006,and her Last Will and Testament dated October 9, 2006 was duly probated in the Register of Wills Office in the County of Cumberland,Commonwealth of Pennsylvania,on December 4,2006;and, . WHEREAS, Letters Testamentary were subsequently issued to the said Allen Andrew McElwain, as Executor of the Estate of Elizabeth L. McElwain, a/k/a Elizabeth A. McElwain, a/k/a Elizabeth Leisher McElwain, to estate file#21-06-1024 of the said Office of the Register of Wills; and WHEREAS, the said real estate hereinafter described was not specifically devised;and WHEREAS, Section 3351 of the Probate, Estates and Fiduciaries Code (20'P.S. 3351) confers upon personal representatives,the power to sell at public or private sale any real estate not specifically devised. WEIGLE & ASSOCIATES, P.C. - ATTORNEYS AT LAW - 126 EAST KING STREET - SHIPPENSBURG, PA 17257-1397 Inst. # 201301000 Page 2 of 6 WITNESSETH, that for and in consideration of the sum of TWO HUNDRED SEVENTEEN THOUSAND DOLLARS ($217,000.00), in hand paid, the receipt whereof is hereby acknowledged, the said Grantor does hereby grant and convey, in fee simple to the said Grantee, their heirs and assigns,as their interests appear above, ALL THAT CERTAIN lot or tract of land situate in West Pennsboro Township, Cumberland County, Pennsylvania, being known and designated as Lot No. 2 entitled Preliminary/Final Professional Subdivision and Land Development Plan for Cornerstone Federal Credit Union, as recorded f6r Cumberland County Instrument #201118984. TAX MAP NOS.46-20-1756-004 A"j4kMj:V715,61W4,91 BEING PART OF the same premises that J. Paul Burkhart and' Mildred S. Burkhart, his wife, and Mark N. Burkhart and Marie E. Burkhart, his wife, by Deed dated April 3, 1956 and recorded April 3, 1956, in the Office of the Recorder of Deeds in and for the County of Cumberland in Deed Book B, Volume 17, Page 305, granted and conveyed to Guy Edward McElwain and Elizabeth Leis.her McElwain,husband and wife. ALSO BEING PART OF the same premises which Sharp M. McElwain, Elvira S. McElwain, Jay L. McElwain, Phyllis T. McElwain, John W. McElwain, Corine McElwain,,M. Elizabeth Fuller, Dale E. Fuller, Kitty C. Talley, M. Lee Talley, Mary Jane Clark, Preston Presley Clark III, G.E. McElwain and Elizabeth L. McElwain, by their agent, G.E. McElwain, by Deed dated May 25, 1985 and recorded July 29, 1985 in the Office of the Recorder of Deeds in and for the County of Cumberland in Deed Book J, Volume 31, Page 908, granted and conveyed unto G.E. McElwain and Elizabeth L.McElwain,husband and wife. ALSO BEING PART OF the same premises that G. E. McElwain and Elizabeth L. McElwain, husband and wife, by Deed dated December 5, 1987 and recorded December 18, 1987, in the Office of the Recorder of Deeds for Cumberland County in Deed Book C33, Page 427 granted and conveyed to G. E.McElwain and Elizabeth L.McElwain,husband and wife. AND ALSO BEING PART OF the real estate that Daniel F. Schungel and Adeline M. Schungel, his wife,by Quitclaim Deed dated August 29, 1988 and recorded August 29, 1988 in the Office of the Recorder of Deeds in and for the County of Cumberland, in Deed Book N, Volume 33, Page 847, granted and conveyed to G.E.McElwain and Elizabeth L.McElwain,husband and wife. 2 WEIGLE & ASSOCIATES, RC. - ATTORNEYS AT LAW 126 FAST KING STREET - SHIPPENSBURG, PA 17257-1397 Inst. # 201301000 Page 5 of 6 COMMONWEALTH OF PENNSYLVANIA SS COUNTY OF CUMBERLAND On this, the day of 2013, before me,, a Notary4/'Public in and for said County and State, the undersigned officer, personally appeared Allen Andrew McElwain, Executor, of the Estate of Elizabeth L. McElwain, a/k/a Elizabeth A. McElwain, a/k/a Elizabeth Leisher McElwain, known to me (or satisfactorily proven) to be the person whose name is subscribed to the within instrument, and acknowledged that he executed the same in the capacity therein stated and for the purposes therein contained. IN WITNESS WHEREOF,I hereunto set my hand and official seal. tP%'EVEN tSY L V A NIA COMMO - j. J- H T=IAL SEAL KANDI L. LENKER, Notary Public NotayPiblic HAMPDEN TVPCUMBERLAND COUNTY My COMMISSION EXPIRES AUGUST 24,2013 I do hereby certify that the complete post office address of the within named Grantees is: yw Date: �ar the Grantees5 WEIGLE r. ASSOCIATES. P.C. - ATTORNEYS AT LAW - 126 EAST KING STREET - SHIPPENSBURG, PA 17257-1397 Inst. # 201301000 - Page 6 of 6 ROBERT P. ZIEGLER RECORDER OF DEEDS `A Y . CUMBERLAND COUNTYAll 1 COURTHOUSE SQUARE CARLISLE, PA 17013 717-240-6370 Instrument Number-201301000 Recorded On 1/10/2013 At 8:48:07 AM Total Pages-6 *Instrument Type-DEED Invoice Number- 126491 User ID-KW "Grantor-MCELWAIN, ELIZABETH L •Grantee-HIGGINS,LOIS A k Customer-SIMPLIFILE LC&RECORDING *FEES STATE TRANSFER TAX $2,170.00 Certification Page STATE WRIT TAX $0.50 STATE JCS/ACCESS TO $23.50 DO NOT DETACH JUSTICE RECORDING FEES — $14.00 RECORDER OF DEEDS This page is now part PARCEL CERTIFICATION $10.00 of this legal document. FEES AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE $2.00 ROD ARCHIVES FEE $3.00 BIG SPRING SCHOOL $1,085.00 DISTRICT WEST PENNSBORO $1,085.00 TOWNSHIP TOTAL PAID $4,404.50 I Certify this to be recorded in Cumberland County PA cub ,D o V RECORDER OF DEEDS �nso x-Information denoted by an asterisk may change during the verification process and may not be reflected on this page. OMB Approval No.2502-0265 lllii` r A. Settlement Statement HUD-1 FINAL BYTYioe of Loan 1.❑FHA 2.❑RHS 3.0 Conv.Unins. 6.File Number: 7.Loan Number. 8.Mortgage Insurance Case Number: 12-01-6-26102 1030820221 4.❑VA 5.❑Conv.Ins. C.Note:This form is furnished to give you a statement of actual settlement costs.Amounts paid to and by the settlement agents are shown Items marked "(p.o.c)"were paid outside the closing;they are shown here for informational purposes and are not included in the totals. D.Name&Address of Borrower. E.Name&Address of Seller: F.Name&Address of Lender. Lois A.Higgins,Shirley A.Bandy Estate of Elizabeth L McElwain alida Elizabeth Leisher Florida Capital Bank,NA 9109 Birch Run lane,Tallahassee,FL 32312 McElwain a/kla Elizabeth A.McElwain DBA Florida Capital Bank Mortg,4815 9 Carlisle Road,Newville,PA 17241 Executive Park Court#103,Jacksonville,FL 32216 G.Property Location: H.Settlement Agent I.Settlement Date:01102/2013 9 Carlisle Road Barristers Land Abstract Company Disbursement Date:01102/2013 Newville,PA 17241 . 163 North Hanover Street,Carlisle,PA 17013 717-761.6190 Place of Settlement TitleExpress 163 North Hanover Street,Carlisle,PA 17013 Printed 12/31/2012 at 12:04 pm by KL 100: Gross Amount Due from Borrower' 400. Gross Amount Due to Seller 101. Contract sales price 217,000.00 401. Contract sales price 217,000.00 102. Personal property 402. Personal pmpeqy 103. Settlement charges to borrower(line 1400) 10,954.43 403. 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. Cityhown taxes to 107. County taxes to 407. County taxes to 108. School Taxes 01102/2013 to 06/30/2013 2,408.44 408. School Taxes 01/0212013 to 06/3012013 2,408.44 109. 409. 110. 410. 111. 411. 112. 412. 120. Gross Amount Due from Borrower 230,362.87 420. Gross Amount Due to Seller 219,408.44 200. Amounts Paid by or in Behalf of Borrower 500. Reductions In Amount Due to Seller 201. Deposit or earnest money 2,000.00 501. Excess deposit(see instructions) 202. Principal amount of new loan(s) 173,600.00 502. Settlement charges to seller(line 1400) 14,639.49 203. Existing loans taken subject to 503. EAstin loan(s)taken subject to 204. 504. Payoff of first mortgage loan 205. 505. Payoff of second mortgage loan 206. 5D6. 207. 507. 208. 508. 209. 509. Adjustments for Items unpaid by seller Adjustments for items unpaid by seller 210. City/town taxes to 510. City/town taxes to 211. County taxes 01/0112013 to 01/0212013 2.76 511. County taxes 01/01/2013 to 0110212013 2.76 212. School Taxes to 512. School Taxes to 213. 513. 214. 514. 215. 515. 216. 516. 217. 517. 218. 518. 219. 519. 220• Total Paid by/for Borrower 175,602.76 520. Total Reduction Amount Due Seller 14,642.25 300. Cash at Settlement fromlto Borrower 600. Cash at Settlement tolfrom Seller 301. Gross amount due from borrower(line 120) 230,362.87 601, Gross amount due to seller(line 420) 219,408.44 302. Less amounts paid by/for borrower(line 220) 175,602.76 602. Less reductions in amount due seller(line 520) 14,642.25 303. Cash X❑ From ❑ To Borrower 54,760.11 603. Cash ❑X To ❑ From Seller 204,766.19 pp up u en or m o n m• inu es p•r rezpove or ra a mp,ron•wmp,• W e• n•p•oq •Y • :m ,m•m Ynu•ro n•roVuve o camp e e Ipb term,W..II fto.•a-.W OMB oonpel camper.No conftlenlbllly b••wM;Ilpf Ebtlowro b m•ntl•lary.Tpb bee•pmw to pmWpe lee pnpe•to•aESPA mveroE Ir•wtllon riN Inlormtllon GMnp pro •elllemenl peoce•n Previous editions are obsolete Page 1 of 4 HUD-1 700. Total Real Estate Broker Fees - $12,445.00 Paid From Paid From Division of commission line 700 as follows: Borrower's Seller's 701. $6,110.00 to ReMax Realty Agency 1., Funds at Funds at 702. $6,335.00 tc HOWARD HANNA REAL ESTATE I Settlement Settlement 703. Commission paid at settlement 225.00 12,220.00 800. Items Payable in Connection with Loan 8D1. Our origination charge (Includes Origination Point 0.000%or$0.00) $6,021.42 (from GFE#1) 802. Your credit or charge(points)for the specific interest rate chosen $4,784.42 (from GFE#2) 803. Your adjusted origination charges (from GFE A) 1,237.00 804. Appraisal fee to Inhouse Connections $440.00 P.O.C.B'(from GFE 43) 805. Credit report to Foote Capital FBO Credit P $28.12 P.O.C.B'(from GFE#3) 40.48 806. Tax service to from GFE#3 807. Flood certification to FLCBM FBO CBC Innovis (from GFE#3) 8.00 808. to 900. Hems Required by Lender to be Paid in Advance 901. Daily interest charges from from 0110212013 to 0210112013 @$16.6466/day (from GFE#10) 499.40 902. Mortgage Ins.Premium for months to (from GFE#3) 903. Homeowner's insurance for 12 months to Howard Hanna insurance Services (from GFE#11) 546.00 904. months to from GFE#11 1000. Reserves Deposited With Lender 1001. Initial deposit for your escrow account (from GFE#9) 3,667.52 1002.Homeowner's insurance 4 months @$ 45.501month $182.00 1003.Mortgage Insurance months @$ 0.00/month $ 1004.City Property Tax months @$ 0.00/month $ 1005.County Property Tax 12 months $ 82.34/month $988.08 1006.School Taxes 8 months @$ 398.84/month $3,190.72 1007.Aggregate Adjustment $-693.28 1100.Title Charges 1101.Title services and lenders title insurance from GFE#4 1,603.53 1102.Settlement or closing fee to $ 1103.Owner's title insurance-First American Title Insurance Co-Hbg from GFE#5 363.50 1104.Lender's title insurance-First American Title Insurance Co-Hbg $1,495.00 1105.Lender's title policy limit$173,600.00 Lenders Policy 1106.Owners title policy limit$217,000.00 Owners Policy 1107.Agent's portion of the total title insurance premium $1,605.15 1108.Underwriters portion of the total title insurance premium $253.35 1109. 1200.Government Recording and Transfer Charges :. 1201.Government recording charges $ (from GFE#7) 175.00 1202.Deed$75.00 Mortgage$100.00 Release$ 1203.Transfer taxes $ (from GFE#8) 2,170.00 1204.City/County taxistamps Deed$2,170.00 Mortgage$ 1205.State Tax/stamps Deed$2,170.00 Mortgage$ 2,170.00 1206. Deed$ Mortgage$ 1207.Record Deed $ 78.00 1300.Additional Settlement Charges 1301.Required services that you can shop for (from GFE#6) 1302.Reimb for Tax Cerl to Banisters Land Abstract General-Hbg 10.00 1303. Pest Inspection to Central PA Home inspections $ $60.00 P.O.C.B- 1304. Home Inspection to Central PA Home Inspections,LLC $350.00 P.O.C.B' 1305.Home Warranty to HSA Home Warranty 419.00 1306.Final Waterisewer to Newville Water&Sewer Authority 141.49 1307, Notary Fee to Kandi L.Lenker 20.00 r r r r 10,954.43 14,639.49 'Paid outside of dosing by(B)orrower,(S)eller,(L)ender,(I)nvestor,Bro(K)er."Credit by lender shown on page 1."'Credit by seller shown on page 1. Previous editions are obsolete Page 2 of 4 HUD-1 Com arison of Good Falth Estimate GFE and.HUD.1 Char ea.,.: .` . 3,_: Gootl Faith Estimate: 'CMM es:Thitt nnotIherease " HUD=.1Line Numtier;;t Ourorigination charge'-1:, 7 6,021.42 6,021.42 ;Your.creditor;charge(polnts)for.thespecific,interestratechosen; #:;:802 _{ 4,764.42 4,784.42 -Your-adjusted origination charges:. f: 803 1,237.00 1,237.00 Transfer taxesw #'x:1203 ti;.,; 2,170.00 2,170.00 :Charges That lnTotal'Cannot9ncreaseMore'Than10/o _ _ I':G66dFelth`Estimatv-,.- HUM ' Govemmentrecording charges ; x;,1201 150.00 175.00 ,Appraisal.fee: .� ; ii #w804 �r 630.00 440.00 Credit report:+r _ ;;r, .-#;:805 60.00 68.60 Floodcenificauon 8.00 8.00 848.00 691.60 $ -156.40 or 16.4434% Cha es That.Can'Ch'a'ncrGood`Faith.Estimate HUM initial;deposttfor your escrow account: t a; #;1007 5,377.11 3,667.52 .DatlyInterest charges froni:: ,,, -#-901 $1664661da 499.40 499.40 Homeowners_Insurance 651.00 546.00 Title servicesvend.lender s`title msuran@9i yr ' *-t: +rn«t 'rr#21;1.01 k t R._, 1,720.00 1,603.53 :,Owners6tleinsurance FirstAmencanTiilelnsuranceG6 +Hbg, 100.00 363.50 P.est;lrlsPedilon a �;{; �x :� 5' t .s i N.n 4?' �31#i303 350.00 60.00 Loan Terms Yourmipalloan'amountis; ,I x °�:`� a "n,y33 $173,600.00 Your IoanYem is Y„ 30.years Your initial inteiest rate is 3.5000% Your mihal monthly amount owedefgr principal dnterest,.and any r>ortg9'a $779.54 Includes insurance 19jr1 �" Akar ❑X Principal ❑X Interest •.,-riga', ❑Mortgage Insurance Can yourmterest rate nseT ; :+• ❑X No. ❑Yes,it can rise to a maximum of °h.The first change will be on I I and can change again every years after I 1 Every change date,your interest rate can increase or decrease by °h.Over the life of the loan,your interest rate is guaranteed to never be lower than %or higher k than - y P 1m Y an 4n �. M ❑ ❑ Even if you mare a pp time can;our loanbalance risel X No. Yes,it can riseto a maximum of$ Even if you mat a payments on hmercan yourmonthly amount owed for. ❑X No. ❑Yes,the first increase can be on / / and the monthly principal mterestr and modgage nsuranbe dse? F xr amount owed can rise to$ The maximum It can ever rise to is$ Dges yourtosn have'a prepayment penalty7rf�' i� "" �x ❑X No. ❑Yes,your maximum prepayment penalty is$ Does yourloan%have a balloon payment? k 1, �d h ❑No. ❑Yes,you have a balloon payment of$ due in w years on / I Total monthly amountvweif molutlmg esciow accouhhpayments _ ❑You do not have a monthly escrow payment for items,such as property taxes } and homeowner's insurance.You must pay these items directly yourself. 6{ '" ; ❑X You have an additional monthly escrow payment of$526.68 ZN� {' that results in a total initial monthly amount owed of$1,306.22.This includes principal,Interest,ai '4 fiiJ G ti t vTr a' t p i mortgage insurance and any items checked below: y F N k _ , : i ❑X Property taxes ❑X Homeowners insurance a LL' i J��yia t eA hi v �`f°�t �,-4x• r �,r ' R-% ❑Flood insurance ❑ Misc.lmpound ❑ Note: If you have any questions about the Settlement Charges and Loan Terms listed on this form,please contact your lender. Previous editions are obsolete Page 3 of 4 HUD-1 HUD CERTIFICATION OF BUYER AND SELLER I have carefully reviewed the HUD-1 Settlement Statement and to the best of my knowledge and belief,It is a true and accurate statement of all receipts and disbursements made on my account or by me in this transaction.I further certify that I have received a copy of the HUD-1 Settlement Statement i Lois A.A.Higgins Shirley A.Bandy ESTATE OF EUZABETH L MCELWAIN AIKIA ELIZABETH LEISHER MCELWAIN AIKIA ELIZABETH A.MCELWAIN Aken Andrew McElwain,Executor, element Agent Se—70" Settlement Statement which I have prepared is a true and accurate account of this transaction.I have caused or will cause the funds to be disbursed in accordance with this statement SET M T GENT DATE WARNING:IT IS A CRIME TO KNOWINGLY MAKE FALSE STATEMENTS TO THE UNITED STATES ON THIS OR ANY SIMILAR FORM.PENALTIES UPON CONVICTION CAN INCLUDE A FINE AND IMPRISONMENT.FOR DETAILS SEE TITLE 18:U.S.CODE SECTION 1001 AND SECTION 1010. Previous editions are obsolete Page 47f 4 HUD-1 1 1 1 Name of Borrower. Name of Seller. File Number Lois A.Higgins Estate of Elizabeth L.McElwain a/k/a Elizabeth 12-01-6-26102 Shirley A.Bandy Leisher McElwain a/k/a Elizabeth A.McElwain TitleExpress Prepared 12/31/2012 at 12:04 pm Note: This page is furnished to give you an itemization of the amounts shown on Pard Fro)n Patd From Lines 1101,1103 and 1104 of the Settlement Statement(HUD-1).This page "'BorroVve'sN: ;v;_Seller'S;irs; accompanies but is not a part of the settlement statement.If a discrepancy ; •Rinds 2t Funds at :> exists,the information shown on the Settlement Statement(HUD-1)applies Settlefllent,.,.,Settlement.: 1101. Title services and lenders title insurance. 1,603.53 a.Notary Fees $ 35.00 b.Wire Fee 15.00 c.Overnight Fee 13.53 d.Electronic Doc Transmittal Fee 45.00 $ 108.53 1102. Settlement or dosing fee 1103. Owners title insurance (policy) $ 363.50 363.50 1104. Lenders title insurance (poli 1,270.00 $ 1,495.00 a.Endorsement 900 EPL-Residential 50.00 b.Closing Service Lefler 75.00 c.ALTA Short Form Loan 100.00 (Total 1103*1104) LenderslluepoGcj!limrtOjt-066WIL 1&.iPi -4HUIRrN,' r.lq 1"106;Owners title ollc=11tni1;=$2� ;60u 00�'"gip �' �` 1;:)07 'Agent's' oAion o#_3fie total OOe fiisurancepremi.uK, ...'11W OP f108Uriderwnters orti5n of the toTal't tie msuranee premfiy,' X53 35 _ 'rM M ?e ftl Otat110J: 106 a z,Maud 1109. 1110. 1111. 1112. 1 awe Tntat-i�t rBdfrrow13"r"' S Sellerw 00..Title°Char es witf'Pa ee _r° "k,R�'r k, '? ""t'»� `S<Char e.M,,P.00&o'..- tlit.'ftftihe1110r,5, „.Pard 1101. Title services and lenders Otle insurance $ a.Notary Fees to Kandi L.Lenker 35.00 35.00' b.Wire Fee to Barristers Land Abstract Wire-Hbg 15.00 15.00 c.Overnight Fee to Barristers Land Abstract Postage-Hbg 13.53 13.53 d.Electronic Doc Transmittal Fee to Barristers Land Abstract General-Hbg 45.00 45.00 1104. Lenders title insurance to Barristers Land Abstract Company 1,495.00 1,495.00 • ,.w...�,. ..z;�:.:...� � -,s�a�w ;i�x_i.:-a:�!..,xsi„�:s-a txn:�«. _�'�+`$:,..r:1�603:53xxs.,n h.."'�rr�w�.'.�.1�r�?.r.:.u?��r,n1,603,53� � f$�,,..v.....5 Y:sr.: JONES & MARTIN AUCTIONS LLC Invoice 544 MOHAWK RD. NEWVILLE, PA 17241 Date Invoice# 8/15/2014 1053 Bill To ESTATE OF SHIRLEY A.BANDY P.O. No. Terms Project Quantity Description Rate Amount 200.00 200.00 i Thank you,Please remit to above address. Total $200.00 Page 1 of 2 1 s Retum Mai/Operations Statement date 07/02/14 Wf f 1 t PO Box 14411 Loan number 0434222964 Des Moines,to 50306-3411 Property address 9 CARLISLE ROAD NEW VILLE PA 17241 Customer Service P_Online r� wellsfargo.com Fax �F Telephone 1-866278-1179 1-800-222-0238 Correspondence Hours of operation 1 AT 12502/205304/025003 0635 1 AGRTKB 936 Box ,I Mon-Fri6 a.m-10 pm De LOIS AHIGGIN$ Des Moines,LA 50306 Sat 8a.m.-2pmCT SHIRLEY A BANDY —A Payment. 9 CARLISLE RD PO Box 11758 Purchase or refinance NEWVILLE,PA 17241-9402 Newark NJ 07101 1-866867-3026 We accept telecommunications relay service calls. Payment summary Balance summary Year to date summary Principal $287.07 Unpaid principal balance $168,84563 Total received" $8,07037 Interest $492.47 Escrow balance $4,893.03 Principal $1,705.00 (Contact Customer Service for yourpayoEbalance) Interest $2972.24 Escrow $579.25 Interest rate 3600% Escrow $3,393.13 Current monthly payment $1,358.79 Maturity date 02/43 Taxes disbursed $1,010.21 `sue Loral our include the Umpphed horde beloaoe Sam the Total payment due 08/01/14 $1,358.79 e..area mm.ry.enan After 06/16/14 a late charge may apply $38.98 Activity since your last statement Important messages Data Description Total Principal Interest Escrow Other heady to buy your next home? 07102 Payment $1,358.79 $28624 $493.30 $579.25 Were here to help you understand your home financing options,so you can make informed home financing decisions.Learn about our low down payment programs,financing options,and how we can help make buying your next home a rewarding experience.Call 1-866-418-3476,stop by your local branch,or visit wellsfargo.com/newhome. Mention Code DMR7ABL Protect your home and wallet See if you can save Talk to a Wells Fargo Insurance agent today to see if your homeowners insurance coverage is keeping pace with the replacement value of your home.And,to see if you are still paying a competitive price.Visit Wells Fargo Insurance today at:wellsfwgo.com/homeownersinsurmce Insurance is:Not insured by the FDIC or any federal government agency.Not a deposit of or guaranteed by any bank. TRAIS-205300025003 AGRTO SI-E74M1.0026 ____________________________________________.-__-___-______________-______-----____-______-_____________-____-____-_-_--._--_______________---- t.- Pease detach andretum withyourpayment �- Loan number 0434222964 Monthly payment A Current monthly payment due $1,358.79 -z pmt zmt , Total payment due 08/01/14 $1,358.79 • After 06/16/14 a late charge may apply $38.98 Additional B principal , Cbeckhereandseereverse LOIS AHIGGINS foraddress correction SHIRLEY A BANDY u2502J20530410-030635 IAGRTRa936 Late ` S charges Please s - ` Cures Other WELLS FARGO HOME MORTGAGE charges S PO BOX 11758 ` NEWARK NJ 07101-4758 Additional _ e—.W S w1:1 Total amount enclosed (Please de not send cash) � S 936 0434222964 8 10000135879013977701358790000000 000000014459798439 1 Make Wells Fargo your first choice Preferred Payment P1angm Terms and Conditions Match your payment schedule to your payday cycle Thinking of Buying A New Home or Refinancing Your Wells Fargo Home Mortgage offers electronic withdrawals:weekly,biweekly(every other week), Mortgage? semi-monthly(twice a month)and monthly.Review the following terms and conditions then call the Customer Service number on the front of this statement to enroll in the schedule that best meets Stop by the Wells Fargo Home Mortgage your needs. store in your area or call 1-866-867-3026 The following terms and conditions apply to weekly,biweekly,semi-monthly and monthly payment plans: Wells Fargo also offers: •I authorize Wells Fargo,its authorized representatives and service providers to initiate electronic -Checking,Savings,CDs,Personal Loans 1-800-932-6736 withdrawals from my designated account to make monthly payments on my mortgage. -Home Rebate Credit Card •I understand that I will receive confirmation specifying the date the electronic withdrawals will begin.I understand that I will continue to make my payments until I receive this confirmation and 1-800-932-6736 electronic withdrawals begin. Home Equity Loans and Lines of Credit 1-888-237-0186 •I understand that this authorization and the program services is no way alter or lessen my Homeowners and Flood Insurance 1-866-444.0479 obligation under my existing mortgage contract regarding the amount of monthly payments,when Disaster Recovery Plan Insurance 1-800-234-7354 payments are due,the application of payments,the assessment of late charges or the -Home Warranty 1-888-247-4777 determination of delinquencies and I must maintain sufficient funds in my account for withdrawal •Identity Theft Protection 1-877-247-9912 of my monthly payment. •Student Loans 1-888-511-7304 .I understand that withdrawn funds may not be applied to my mortgage until sufficient funds have accumulated for a full monthly payment to be made. •International access(where available)00-800-28832122 •I understand the electronic withdrawal amount will vary with changes in escrow or principal and Disputing account information Ieported to credit interest components,if applicable. •I understand that I must provide Wells Fargo notice of at least ten days for any request to modify, bureaus change,or terminate participation in this program I understand that if I modify,change,or We may furnish information about your account to terminate participation in the program,I may not realize the benefits. consumer reporting agencies.You have the right to dispute •I agree to be bound by the programs Terms and Conditions which are stated here and online. the accuracy of information that we have reported by writing •The phone authorization code is:AMPTAC to us at the Correspondence Address noted on the front of Access your account online any time this statement and describing the specific information that View details of your mortgage account,including official tax information,payment activity and is inaccurate or in dispute and the basis for any dispute with more.Please visit the website listed on the front of this statement. supporting documentation.In the case of information that Need to make payments fast?You can schedule free payments online.Simply sign onto the you believe relates to an identity theft,you will need to website Bated on the front of this statement and schedule your payment securely at your provide us with an identity theft report. convenience.Payments can also be scheduled by calling Customer Service:a fee may apply. Fee schedule Need to wire payment funds?For assistance in finding the nearest location,call 1-800-926.9400 for MoneyGramm Express Payments or 1-800-325-6000 for Western Union©"Quick Collect" Fees for assumptions,partial release's,and other payment& services will be quoted upon request.Allowable fees For those customers who reside in the state of New York,the debtor may file complaints for checks and drafts that are not honored by your about the servicer and obtain further information from the New York Banking bank vary by state and will be assessed Department by calling the Departmenes Consumer Help Unit at 1-800-342-3736 or by automatically.States with fixed fees are as follows: visiting the Department's website at www.banldng.state.nvus. ID-$20;CO,NC,&OK-$25;HI,IA,KS&MN-$30; For those customers who reside in the state of Texas,we will=recognize 311 Party SD-$40;PA-$50.Fees are subject to change without Property Tax Lien Transfers or Property Tax Deferrals.These programs create a lien notice. on your property which takes priority over your mortgage.A change in lien position violates your mortgage agreement and we will take the necessary steps needed to ensure Contact us the mortgage Ben is not at risk If you'd like to request information,notify us of an error,or share any concerns you may have about the Servtcemembers Civil Relief Act CRA)-Servicemembers offer s Civil Relief Act-The Servicemembe;s Civil Relief Act(SCAR)may offer protection or relief to members of servicing of your loan,please contact us at P.O.Box the military who have been called to active duty.If either you have been called to active 10335,Des Moines,IA 50306. duty,or you are the spouse,registered domestic partner,partner in a civil union,or financial dependent of a person who has been called to active duty,and you haven't yet made us aware of your status,please contact our Military Customer Service Center at 1 888 870 6014 or fax your Active Duty Orders to 1 855 870 6014,attention Special Loans/SCAR. Housing Counselor Information-If youwould like counseling or assistance,for a list ^ of homeownership counselors or counseling organizations in your area,you can contact Qthe following:U.S.Department of Housing and Urban Development(HUD),go to W99 . http-/Jif-g4-v/of�es/hsg/sfh/h-/hx=.cfre or cab 800-569-4287. Important information If you send your payment to any other location,it may cause a processing delay.Whanyou provide a check as payment,you authorize us either to use information from your check to make a one-time - electronic fund transfer from your account or to process the payment as a check transaction When we use information from your check to make an electronic fund transfer,funds may be withdrawn from your account as soon as the same day we receive your payment,and you will not receive your check back from your financial institution.If your mortgage check does not clear upon initial presentment,your bank may charge a fee and we may attempt to withdraw funds from your account electronically up to a maximum of three tunes.If we are not able to successfully collect these funds,the check amount will be reversed from your loan. Wells Fargo Home Mortgage is a division of Wells Fargo Bank,NA 02014 Wells Fargo Bank,NA All rights reserved NMLSR ID 399801 -adv Teb 2014 Address and Dhone number change-Please be sure to check the box on the front of payment coupon Ba: sora w fuer name last name Co-borrower Co•borrowcr firs.name lent name New mailing eddreea City state/cip Home Work - phone phone Ihst. # 201301001 - Page 1 of 19 CERTIFIED PROPERTY IDENTIFICATION NUMBERS d 46-20-1756-004 - WEST PENNSBORO CCGIS REGISTRY 01/10/2013 BY TB This Instrument Prepared By: After Recording Return To: Florida Capital Bank M=tgage 4815 Executive Park a urt, Suite 103 Jacksca'1.ville, Florida 32216 Loan Nurber: Uniform"Pa`rcel_Identifier Number: � /4 —� Property Address: `� 9 Carlisle Road Newville, Pennsylvania 17241 [Space Above This Line For Recording-Data) MORTGAGE MIN: 100411710308202212 MFRS Phone: 888-679-6377 DEFINITIONS Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16. (A) "Security Instrument"means this document, which is dated JANUARY 2, 2013 , together with all Riders to this document. (B) 'Borrower"is Lois A Higgins and Shirley A Bandy as joint tenants Borrower is the mortgagor under this Security Instrument. (C) "HERS" is Mortgage Electronic Registration Systems, Inc. MERS is a separate corporation that is acting solely as a nominee for Lender and Lender's successors and assigns. MFRS is the mortgagee under this Security Instrument. MERS 0orized�sting under the laws of Delaware, and has a mailing address of P.O. Box Borrower Initials: PENNSYLVANIA--Single Family DocMaglc d?VWVM Fannie Mae/Freddie Mac UNIFORM INSTRUMENT -MERS www.docmagic,com Form 3039 01/01 Page 1 of 17 a�L'T7urHl`7^t. Inst. # 201301001 Page 2 of 19 2026, Flint, M148501-2026 and a street address of 1901 E. Voorhees Street, Suite C,Danville, IL 61834. MERS telephone number is(888) 679-MERS. (D) "Lender"is Florida Capital Bank, N.A. dba Florida Capital Bank Mortgage Lender isa FLORIDA CORPORATION organized and existing under the laws of FLORIDA Lender's address is 4815 Execut ive Park Court, Ste 103, Jacksonville, Florida 32216 (E) "Note"means the promissory note signed by Borrower and dated JANUARY 2, 2013 The Note states that Borrower owes Lender ONE HUNDRED SEVENTY-THREE THOUSAND SIX HUNDRED AND 00/100 Dollars(U.S. $ 173 , 600 . 00 - )plus interest. Borrower has promised to pay this debt in regular Periodic Payments and to pay the debt in full not later than FEBRUARY 1i 2043 -(F) "Property"means the property that is described below under the heading"Transfer of Rights in the Property." (G) "Loan"means the debt evidenced by the Note,plus interest,any prepayment charges and late charges due under the Note, and all sums due-under this Security Instrument, plus interest. (ID "Riders"means all Riders to this Security Instrument that are executed by Borrower. The following Riders are to be executed by Borrower[check box as applicable]: Adjustable Rate Rider Planned Unit Development Rider F-1 Balloon Rider Biweekly Payment Rider 1-4 Family Rider Second Home Rider Condominium Rider E] Other(s) [specify] (1) "Applicable Law"means all controlling applicable federal,state and local statutes,regulations, ordinances and administrative rules and orders(that have the effect of law) as well as all applicable final, non-appealable judicial opinions. (J) "Community Association Dues, Fees, and Assessments"means all dues, fees, assessments and other charges that are imposed on Borrower or the Property by a condominium association, homeowners association or similar organization, (K) "Electronic Funds Transfer"means any transfer of funds, other than a transaction originated by check, draft, or similar paper instrument, which is initiated through an electronic terminal, telephonic instrument, computer,or magnetic tape so as to order, instruct, or authorize a financial institution to debit or credit an account. Such term includes, but is not limited to, point-of-sale transfers, automated teller machine transactions, transfers initiated by telephone, wire transfers, and automated clearinghouse transfers. (L) "Escrow Items"means those items that are described in Section 3. Borrower Initials: PENNSYLVANIA—Single Family DocMajqic drWM Fannie Mae/Freddie Mac UNIFORM INSTRUMENT-MERS ww.w.dacmagic.com Form 3039 01101 Page 2 of 17 Inst: # 201301001 - Page 3 of 19 (1Vl) 'Miscellaneous Proceeds"means any compensation, settlement, award of damages, or proceeds paid by any third party(other than insurance proceeds paid under the coverages described in Section 5) for: (i) damage to, or destruction of, the Property; (ii) condemnation or other taking of all or any part of the Property; (iii) conveyance in lieu of condemnation; or(iv)misrepresentations of, or omissions as to, the value and/or condition of the Property. (N 'Mortgage Insurance"means insurance protecting Lender against the nonpayment of, or default on, the Loan. (0) 'Periodic Payment"means the regularly scheduled amount due for (i)principal and interest under the Mote, plus (ii) any amounts under Section 3 of this Security Instrument. (P) "RESPA"means the Real Estate Settlement Procedures Act(12 U.S.C. §2601 et seq.) and its implementing regulation, Regulation X(12 C.F.R. Part 1024), as they might be amended from time to time, or any additional or successor legislation or regulation that governs the same subject matter. As used in this Security Instrument, "RESPA refers to all requirements and restrictions that are imposed in regard to a"federally related mortgage loan" even if the Loan does not qualify as a"federally related mortgage loan" under RESPA. (Q) "Successor in Interest of.Borrower"means any party that has taken title to the Property, whether or not that party has assumed Borrower's obligations under the Note and/or this Security Instrument. TRANSFER OF RIGHTS IN THE PROPERTY This Security Instrument secures to Lender: (i) the repayment.of the Loan, and all renewals, extensions and . . modifications of the Note; and (ii) the performance of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower does hereby mortgage, grant and convey to MERS(solely as nominee for Lender and Lender's successors and assigns) and to the successors and assigns of MERS the following described property located in the COUNTY of CUMBERLAND [Type of Recording Jurisdiction] [Name of Recording Jurisdiction] SEE EXE•iIBIT ' 'A' ' ATTACEE D HERETO AMID BY THIS REFERENCE MADE A PART HEREOF. A.P.N. : 46-20-1756-004 & 46-20-1756-049 which currently has the address of 9 Carlisle Road [Street] Newville , Pennsylvania 17241 ("Property Address"): [City] [Zip Code] TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be Borrower Initials: PENNSYLVANIA--Single Family DocMaglc Fannie Mae/Freddie Mac UNIFORM INSTRUMENT- MERS www.dDcmagic.com Form 3039 01/01 Page 3 of 17 ..—_ ._....._.._.._•-----^,mrnnm�,mnrma,rr-----------_...,._.,------r.,,�-.mgr,--^---•�.�. .____�.___--„.,-..»..-,.....�.�,-___,___-. �-�... I� Inst. # 201301001 - Page 15 of 19 BY SIGNING BELOW, Borrower accepts and agrees to the terms and covenants contained in this Security Instrument and in any Rider executed by Borrower and recorded with it. \ r (Seal) Gi c c L� (Seal) Lois A Higgins -Borrower Shirley Bandy -Borrower (Seal) (Seal) -Borrower -Borrower (Seal) (Seal) -Borrower -Borrower Witness: W'tness: PENNSYLVANIA--Single Family CRUM Fannie Mae/Freddie Mac UNIFORM INSTRUMENT- MERS www.docmagic.com Foran 3039 01101 Page 15 of 17 Inst. # 201301001 - Page 16 of 19 [Space Below This Line For Acknowledgment] State of PENNSYLVANIA County of' CUMBERLAND On this the day of '—Xt/3 , before me, v`' r the undersigned officer, personally appeared Lois A Higgins AND Shirley A Bandy ]mown to me(or satisfactorily proven)to be the person(s)whose name(s)is/are subscribed to the within instrument and acknowledged that he/she/they executed the same for the purposes therein contained. In witness whereof, I hereunto set my hand and official seals. COMMONWEALTH OF PENNSYLVANIA Signature NOTARIAL SEAL KANDI L. LENKER, Notary Public HAMPDEN TWP., CUMBERLAND COUNTY MY COMMISSION EXPIRES AUGUST 24,2013 Printed Name (Seal) Ale of Officer My commission expires: PENNSYLVANIA—Single Family DocMagic dUmmo Fannie Mae/Freddie Mac UNIFORM INSTRUMENT- MERS www.docmagic.com Form 3039 01/01 Page 16 of 17 Inst. # 201301001 - Page 17 of 19 Certificate of Residence of Morteaeee The undersigned hereby certifies that: (i)he/she is the Mortgagee or the duly authorized attorney or agent of the Mortgagee named in the within instrument; and(ii)Mortgagee's precise residence is: 1901 E Voorhees Street, Suite C, Danville, IL 61834 Witness my hand this day of Si;?re of Mortgagee or Mortgagee's Duly Authorized Attorney or Agent Mac Type or Print Name of Mortgagee or Mortgagee's Duly Authorized Attorney or Agent PENNSYLVANIA—Single Family DocMagic i Fannie Mae/Freddie Mac UNIFORM INSTRUMENT- MERS www.docmaglc.ccm Form 3039 01/01 Page 17 of 17 Inst. # 201301001 - Page 18 of 19 ALL THAT CERTAIN lot or tract of land situate in the Township of West Pennsboro, County of Cumberland and Commonwealth of Pennsylvania,being known as Lot No. 2, as shown on a certain plan entitled Preliminary/Final Subdivision and Land Development Plan for Cornerstone Federal Credit Union, as recorded in the Office of the Recorder of Deeds of Cumberland County,Pennsylvania as Instrument No.201118984. TAX MAP NOS.46-20-1756-004)WlhA$-0-iIN014 // BEING PART OF the same premises which J. Paul Burkhart and Mildred S. Burkhart, his wife and Mark N. Burkhart and Marie E. Burkhart, his wife, by Deed dated 04-03-56 and recorded 04-03-56 in the Office of the Recorder of Deeds in and for the County of Cumberland in Deed Book B-17, Page 305, granted and conveyed unto Guy Edward McElwain and Elizabeth Leisher McElwain,husband and wife. ALSO BEING PART OF the same premises which Sharp M. McEIwain, Elvira S. McElwain, Jay L. McElwain, Phyllis T. McElwain,.John W. McElwain, Corine McElwain,M.Elizabeth Fuller,Dale E.Fuller,Kitty C. Talley, M. Lee Talley, Mary Jane.Clark, Preston Presley Clark III, G. E. McElwain and.Elizabeth L. McElwain, by their agent, G. E. McElwain,by Deed dated 05-25-85 and recorded 07-29-85 in the Office of the Recorder of Deeds in and for the County of Cumberland in Deed Book J-31, Page 908, granted and conveyed unto G. E. McElwain and Elizabeth L.McElwain,husband and wife. ALSO BEING PART OF the.same premises which G. E. McElwain and Elizabeth L. McElwain, husband and wife,by Deed dated 12-05-87 and recorded 12-18-87 in the Office of the Recorder of Deeds in and for the County of Cumberland in Deed Book C-33, Page 427, granted and conveyed unto G. E. McElwain and Elizabeth L. McElwain,husband and wife. AND ALSO BEING PART OF the same premises which Daniel F. Schungel and Adeline M. Schungel,his wife, by Deed dated 08-29-88 and recorded 08-29-88 in the Office of the Recorder of Deeds in-and for the County of Cumberland in Deed Book N-33, Page 847, granted and conveyed unto G. E. McElwain and Elizabeth L. McElwain,husband and wife. AND THE SAID Guy Edward McElwain a/k/a G.E.McElwain has since departed this life on 06-17-98, leaving title vested in Elizabeth Leisher McElwain a/k/a Elizabeth L.McElwain,by right of survivorship. AND THE SAID Elizabeth Leisher McElwain a/k/a Elizabeth L.McElwain,has since departed this life on 11-11- 06, leaving a Last Will and Testament, duly filed and probated to No. 21-06-1024 in the Office of the.Register of Wills of Cumberland County,wherein she did nominate Allen Andrew McElwain,to whom Letters Testamentary were granted on 12-04-06. Inst. # 201301001 - Page 19 of 19 ROBERT P. ZIEGLER RECORDER OF DEEDS CUMBERLAND COUNTY 1 COURTHOUSE SQUARE CARLISLE, PA 17013 = " 717-240-6370 l Instrument Number-201301001 Recorded On 1/10/2013 At 8:48:08 AM *Total Pages- 19 *Instrument Type-MORTGAGE Invoice Number- 126491 User ID-KW *Mortgagor-HIGGINS,LOIS A *Mortgagee-MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC *Customer- SIMPLIFILE LC E-RECORDING *FEES STATE WRIT TAX $0.50 Certification Page STATE JCS/ACCESS TO $23.50 JUSTICE DO NOT DETACH RECORDING FEES — $39.50 RECORDER OF DEEDS PARCEL CERTIFICATION $10.00 This page is now part FEES of this legal document. AFFORDABLE HOUSING $11.50 COUNTY ARCHIVES FEE ROD ARCHIVES FEE $3.00 TOTAL PAID $90.00 I Certify this to be recorded in Cumberland County PA V � ' o U \V. RECORDER OF DEEDS �rrso *-Information denoted by an asterisk may change during the verification process and may not be reflected on this page. 9006 0003 LWG 1 7 7 140713 0 PAGE I of 2 1 0 23Z8 7060 E3V1 01BY9006 5299 Cardholder Name Account Number Page 1 of 2 tMichigan Educational SHIRLEY A BANDY XXXX-XXXX-XXXX-4479 Credit Union You are a valued member! Thank you for allowing us the opportunity to serve you. Account Information Account Summary Statement Closing Date 0711312014 Previous Balance $175.13 Credit Limit $10,000.00 Payments $175.13 Available Credit $3,497.00 Other Credits $0.00 Cash Credit Limit $10,000,00 Purchases $5,934.09 Available Cash $3,497.00 + Cash Advances $0.00 + Other Debits $0.00 + Fees Charged $0.00 + Interest Charged $0.00 = New Balance $5,934.09 Payment Information Payment Due Date:08/0712014 Minimum Payment Due:$179.00 New Balance:$5,934.09 Late Payment Warning: If we do not receive your minimum payment by the date listed above,you may have to pay a late fee of up to$20.00. N Minimum Payment Warning: If you make only the minimum payment each period,you will pay more in interest and it will take you longer to pay off your balance.The table is based on your standard minimum payment and does not include any past due and overlimit amounts.For example: If you make no additional charges using this I You will pay off the balance shown And you will end up paying an card and each month you pay... on this statement in about... estimated total of... 1— $8,736.00 Only the minimum payment 15 Years $197.00 3 Years $7,086.00 (Savinqs=$1,650.00) If you would like information about Credit Counseling Services,please call 1-800-994-5537. Transactions —Post Date Trans Date j Reference I Description t Amount 06/28 06/28 8542328J42Y50GNKK PAYMENT-THANK YOU $175.13- 07/09 117108 5543286JDOOKQDP51 PLN-PRICELINE.COMAIR 800-340-0575 CT $2,311.84 07/09 07108 5543286JDOOKQF3TS PLN'PRICELINE RENTAL 888-837-3774 CT $62.65 07/13 07110 0514048JG3FRF32QJ POINT OF ROCKS VALER LEESBURG VA $37,00 07/13 07110 5544641 JG604650JO BISTRO ATELIER STERLING VA $104.79 07/13 07/11 7558746JGS66E1BZ8 KEYSTONE FORD CHAMBERSBURG PA $3,417.81 Fees TOTAL FEES FOR THIS PERIOD $0.00 Remit Payment to: mail inquiries To: Questions? MICHIGAN EDUCATIONAL CREDIT UNION CUSTOMER SERVICE PO BOX 31112 TAMPA,FL Call Customer Service:866-820-2945 PO BOX 71050 CHARLOTTE NC 28272-1050 33631-3112 Lost or Stolen Card: 800-449-7728 We appreciate your membership! Detach the bottom portion and return payment using enclosed envelope to be received no later than by 5:00 p.m,on the due date.Please use blue or black ink. Payment Due Date MICHIGAN EDUCATIONAL CREDIT UNION i August 9200 HAGGERTY ROAD Account Number XXXX-XXXX-XXXX-4479 IS M T W T F S PLYMOUTH MI 48170 111 1_1 12 New Balance $5,934.09 4 5 6 E.8 9 12 13114 15.16 E.19 20 21 22L23 ] , Please Include your account Minimum Payment Due $179.00 number on your check. 24125 2 27 28 29.30 Amount New address,phone number or e-mail? $ Check the box to the left and print changes on track. Enclosed SHIRLEY A BANDY MECU-MASTERCARD 9 CARLISLE RO 5299 PO BOX 71050 NEVVVILLE PA 17241-9402 G206 CHARLOTTE NG 28 27 2-1 05 0 00017'100 ]05934095443287©600244793 9006 0003 LNG 1 7 7 140713 0 PAGE Z of Z 10 2328 7060 E3V1 01BY9006 5299 Page 2 of 2 I Cardholder game Account Number SHIRLEY A BANDY XXXX-XXXX-XYM-4479 Transactions(continued) _ f Post Date Trans Date �— Reference Description Amount Interest Charges i 07/13 07/13 Interest Charge an Purchases $U0 07/13 07/13 Interest Charge on Gash Advances $0.00 TOTAL.INTEREST FOR THIS PERIOD $0.00 j i 2014 Totals Year-to-Date Total fees charged in 2014 $0.00 —Notal interest charged in 2014 interest Charge Calculation Your Annual Percentage Rate(APR)is the annual interest rate on your account. Type of Balance _ APR Balance Subject To Interest Charge Remaining I % Interest Rate Balance $Purchases 11.90% $0.00 $0.00 $5,934.09 Cash Advances 11.90% $0.00— $0.00 $0.00 Days in Billing Cycle: 31 See reverse side of page one for explanation of interest Charge calculation. Credit Purchases calculated using Method G. Cash Advance Charges calculated using Method A. Millennium Pharmacy Systems M* 11enn* 100 E Kensinger Dr Bldg 120 Suite 500 c4k)o Pharmacy Systems Inc. Cranberry Twp, PA 16066 1-866 —466— 7779 Opt. 4 INVOICE DATE:July BANDY, SHIRLEY 17, 2014 Higgins, Lois Account Number 9 Carlisle Rd GRVN2079 Balance Due: $693.66 Newville PA, 17241 Pharmacy Location: MECH 1 Please detach here a'nd return top portion with payment -------------------------I........................ ............. ................................... Re: BANDY, SHIRLEY Invoice Date: 7/1712014 Facility: Green Ridge Village NC - PHI Balance Due: $693.66 Account#: GRVN2079 Last Payment: $248.46 Pharmacy Loc: MECH Last Payment Date: 6112/2014 Dear Valued Millennium Customer, Our records indicate that the above mentioned account for BANDY, SHIRLEY became inactive for services as of 716/2014. This letter serves as notification that there is a remaining balance on the account. Please remit payment for the balance due. If payment arrangements have been previously established, then please remit your monthly agreed upon amount. You may disregard this notice if you have recently sent in payment. If you have questions regarding the outstanding balance,please contact us directly. When calling, ask to speak to a Collections Specialist. We look forward to working with you and thank you for your cooperation. Millennium Pharmacy Systems is committed to being the best long term care pharmacy in the industry and we take pride in keeping our valued customers informed. Sincerely, You can now pay your Bill Online!! Millennium Pharmacy Systems www.MPSRx.com Tel: (724) 940—2490 + Contact Fax: (866) 228— 8267 4 Pay your bill RESIDENT STATEMENT FROM GREEN RIDGE VILLAGE Statement Date Due Date ACCOUNT NUMBER SWAIM HEALTH CENTER 210 BIG SPRING ROAD 06/30/2014 Upon Receipt 62016GRV NEWVILLE, PA 17241-9486 717-776-8200 0 = ' $1,110.41 AMOUNT PAID $ Please make check payable to GREEN RIDGE VILLAGE SHIRLEY A BANDY Remit To: c/o LOIS HIGGINS Presbyterian Homes Inc/Green Ridge/Swaim 9 CARLISLE ROAD P O Box 416825 NEWVILLE, PA 17241 Boston MA 02241-6825 Please detach and return this portion with your remittance to the address above. Comments lfyrou have any questions regarding your statement, please contact the Business Office at(717)776-8256. _ Date Description Days/ Rate Charges/ Payments Balance u _ Units (Credit) . it Balance Forward $10,505.60 06/12/14-06/12/14 Xfer 4/2014 Co-Pay to Private Check#Xfer C $(2,900.00) 06/16/14-06/16/14 PMT FIRM STMT 05/14 Check#1128 $10,505.60 06/18/14-06/18/14 Xfer 312014 Co-Pay to Private Check#Xfer C $(1;031.42) 05/30/14-05/30/14 Syringe 1 cc 29GX1/2 Insulin 1 $0.78 $0.78 06/01/14-06/08/14 Syringe 1 cc 29GX1/2 Insulin 13 $0.78 $10.14 06/08/14-06/08/14 Brief Tena+Pullon MED 1 $26.04 $26.04 06/08/14-06/09/14 Tena Washclothes 2 $11.77 $23.54 06/10/14-06/10/14 Syringe 1 cc 29GX1/2 Insulin 1 $0.78 $0.78 06/12/14-06/12/14 Transportation Attendant 2.25 $27.00 $60.75 D6/12/14-06/12/14 Transport Van-Mileage Rate 4 $0.65 $2.60 )6/12114-06/12/14 Transport Driver- 1/2 hr rate 1 $15.00 $15.00 36/12/14-06/21/14 Syringe 1 cc 29GX1/2 Insulin 12 $0.78 $9.36 36/22/14-06/30/14 Room/Board-Self Pay (9) $(330.00) $(2,970.00) TOTAL BALANCE DUE: $1,110.41 { IVN -�i z o CS ha S ec- 0.\,o U nts �ut- 'ACILITY NAME RESIDENT NAME ACCOUNT NUMBER >WAIM HEALTH CENTER SHIRLEYA BANDY 62016GRV