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HomeMy WebLinkAbout02-04-80 (3) IN RE: ESTATE OF IN THE COURT OF COMMON PLEAS OF ARTHUR BOWERMASTER CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION NO. 21-78-661 TRANSCRIPT OF PROCEEDINGS BEFORE: HONORABLE HAROLD E. SHEELY DATE: February 4, 1980, Monday PLACE: Courtroom No. 2 Cumberland County Courthouse Carlisle, Pennsylvania COUNSEL PRESENT: SALLY J. WINDER, Esquire For - Petitioners LYNN A. BRIGGS, Esquire For - Minor I ~ Carolyn J. Vaughn Retha M. Bowermaster Kenneth M. Hale, Jr. I N D E X DIRECT 3 19 25 -2- CROSS 12 23 31 February 4, 1980 Carlisle, Pennsylvania THE COURT: As I understand, we are here on a petition by the co-executrices of the estate of Arthur Bowermaster to sell real estate, is that correct? MISS WINDER: That's correct, Your Honor. THE COURT: Is that the minor child? MRS. BRIGGS: THE COURT: MISS WINDER: This is Alice Catherine Saphore. What is her date of birth? Her date of birth is June 25, 1975, Your Honor. THE COURT: You may proceed. CAROLYN JEAN VAUGHN, called as a witness, being first duly sworn according to law, testified as follows: DIRECT EXAMINATION BY J'HSS WINDER: Q State for the record, Mrs. Vaughn, your full name? A Carolyn Jean Vaughn. Q What is your address? A R. D. 10, Carlisle. Q How long have you lived at that residence? A About seven months. -3- -4- and unpaid? A Yes, there are. Q Are there any monies or any other assets other than this real estate which could be used to pay those debts? A No, there isn't. Q Can you tell us whether or not there are any medical bills that are outstanding? A Yes, there are. Q Who are those bills owed to? A To Carlisle Hospital and Dr. Branscum at the B.M.C. Q Can you tell us approximately how much is owed to the Carlisle Hospital? A I am not quite sure how much. Q I would like to show you a copy of the statement of Debts and Deductions, which was filed ln this estate. Can you tell me whether or not this figure owed to the Carlisle Hospital is the figure of the bill that was received by the estate? A Yes, it is. Q How much is that? A $3,283.00. Q Can you tell me approximately how much is owed to Dr. Branscum and the Belvedere Medical Center? A That's about 300. Q Take a look at the statement of Debts and Deductions and -5- tell me if that figure on there 1S correct? A 800. Q Is that correct to the best of your information, belief and knowledge? A Yes, it 1S. Q Can you tell me whether or not there are any outstanding real estate taxes owed on the property that we are talking about? A Yes, there are. Q Can you tell us whether or not that property was put up for tax sale? A Yes, it has been -- I mean it was advertised in the paper that it was going up for sale for tax purposes. Q When did that occur? A I think it was the latter of last year. Q Could it have been the fall of last year? A Yes, I am sorry. Q Do you have any idea what the outstanding amount of taxes was at that time? A Not right offhand. Q Would you say that the amount that's listed in the statement of Debts and Deductions is correct to the best of your information? A Yes, 822. -6- Q Can you tell the Court whether or not any 1979 taxes have been paid on that real estate to date? A No, they haven't. Q So they remain outstanding, is that correct? A Correct. Q Do you have any knowledge of any other debts or bills that are owed by the estate? A There is one to Mr. Myers for coal. And Mr. Myers contacted me, oh, I would say about two weeks ago and asked me what could be done about it. And I said I would have to check and make sure if we would sell the land if we could use some of that money to straighten that bill up. Q Did Mr. Myers tell you what the balance of that account is? A No, he didn't. He said that we were to contact him at horne, and he would give us a rough estimate of how much it is. Q Are you telling the Court that you have no idea what that bill is at present? A Correct. Q Can you tell us whether or not you have any knowledge of outstanding bank loans that were paid by Hr. Bowermaster? A There is one at Peoples National Bank in Shippensburg. Q Was that loan made during 1978? A Yes, it was. -7- Q Did anybody else slgn that note along with Mr. Bowermaster? A Yes, my mother, Retha Bowermaster. Q Can you tell us whether or not there is an approximate balance of $346.00 outstanding on that note? A Correct. Q Were there any other things that were sold by the estate in order to raise some money? A Yes. There were four junk cars sold. And it estimated approximately $100.00. All together they brought $100.00, is that right? Correct. Can you tell the Court who you sold those cars to? Yes. It was Glen Lockman (phonetic) in Newville, Q A Q A R. D. 1 . Q A What did you do with that $100.00? We did put some of it in the bank for Alice. And we had to draw some of that out to use for doctor bills. And my mother, which is Retha Bowermaster, used some to pay on some of the outstanding bills. Q Where was that account that you opened for Alice? A That was down at the First Federal at the Carlisle Plaza. Q Did you put the whole $100.00 in that account? A Part of it, I am not quite sure, about $75.00 in the bank. And mother used some of the money towards the bills. -8- Q A Q is? A Q A Q Were those bills that were for Mr. Bowermaster? Right, correct. Can you tell us what the present balance of that account $6.39. Is that account in the name of Alice Catherine Saphore? Yes. Was there any other personal property that you could have sold or could sell to raise money to pay the debts of this estate? A No, there is not. Q You testified that you were living at this property. Can you tell us, 1S there anything left in that property now in the way of furniture or clothing or anything that belonged to Mr. Bowermaster? A My last rent collection there were a few dressers and a few antique dishes that were there. Q Can you tell us when the last time you were out at this property was? A Right before Christmas, I would say around the 1st of December. Q Did you see those things in the house at that time? A Yes, I did. Q Did those things have any value to you or did you think that you could sell them for any amount of money? A I thought some of the antique dishes and a few of the -9- dressers someone would probably need. Q What kind of dishes are you speaking of now? A They were like plates, bowls and cups and things like that. Q Things that you used everyday or that he used everyday, 1S that correct? A Yes. Q Had you used these things while you were living 1n the house with Mr. Bowermaster? A No, we did not. We had a few things that were our own, and we left them there. Q Could you make any guess as to how much you thought they might be worth? A Roughly, with the dressers, I would say about $200.00 or $300.00. Q Can you tell us, you have.testified that this property is located at R. D. 2, Shippensburg, do you know what township it is located in? A South Newton. Q Can you tell us whether or not it is located in the Conservation District in South Newton Township? A What do you mean by Conservation? Q Whether it is within the portion of the Township that is zoned as a conservation district? -10- A Yes, there is a zoning law. Q This property was titled in Mr. Bowermaster's name alone, is that correct? A Yes, that's correct. Q When did you move from this property? A June of '79. Q At that time did you attempt to rent the property to anyone? A We tried to rent it, yes. Q For how much? A We said about $50.00 a month. Q Could you find anybody to rent it at that price? A My one cousin was interested, but she separated from her husband and decided not to move In. Q Did you try to rent it to anybody else? Did you have anybody else ask you about renting? A No, there was not. Q Was there anybody else that approached you about purchasing the property? A There has been a few people, yes. Q Did they make you any offers? A Nothing to really cover the debts. Q Did you request at any time that there be an appraisal of the real estate made? -11- A Yes. Q Who made that appraisal, do you know? A (No response.) Q Can you tell us whether or not Mr. Hale did an appraisal? A Yes, Mr. Hale. Q Is it your understanding that under the terms of the will, if you are to sell this property and the debts are paid, that any excess would be put in trust and you would serve as a trustee for Alice? A True. Q Is it your intent that if this property can be sold and there is money left over, that you will do everything that you can to preserve that money for Alice until she becomes an adult? A Yes. MISS WINDER: I have no other questions. CROSS-EXAMINATION BY MRS. BRIGGS: Q Mrs. Vaughn, when you lived in the house that we are speaking about today, was it fully furnished at that time? A Yes, it was. Q Whose furniture was it? A Well, there was some that belonged to Arthur Bowermaster. And there were some that belonged to us. -12- Q Those articles that belonged to Arthur Bowermaster, are those the articles you mentioned earlier that are still in the house? A Yes. Q So none of the things that belonged to him were taken from the house? A Not to my knowledge. Q You testified that you sold the junk cars to Glen Lockman, is that correct? A Yes. Q Is he a dealer? A He deals in junk and used cars. Q The balance of the money that was received from the sale of these cars, the $6.39, and you said that part of the money was used to pay bills, and those are the bills of the estate, and the other part for doctor bills. Did you say whose doctor bills they were? A Well, it was usually down at the B.M.C., Dr. Hollen and all of the Family Practice. Q Who was the patient? A Oh, I am sorry, Alice was. THE COURT: Do I understand that the estate funds were used to pay medical bills for Alice? THE WITNESS: Yes. -13- BY MRS. BRIGGS: Q Mr. Bowermaster during his lifetime received benefits from the Veterans Administration, isn't that correct? A That's correct. Q After he died did you apply for a death benefit from the Veterans Administration to help pay for the funeral? A Yes, we did. Q Was it received by you? A No. It was received -- it went directly to the funeral director, Mr. Fogelsanger, 1n Shippensburg. Q How much was it, do you know? A No, I don't, right offhand. Q Did you also apply for a social security death benefit to help pay for the funeral? A Yes. Q Was that also sent to the funeral director? A Mr. Fogelsanger, yes. Q Do you know the amount of that? A No, I do not. THE COURT: If you do not know how much the sums were, who 1S supposed to know it? THE WITNESS: Well, Mr. Fogelsanger took care of that. THE COURT: The funeral bill that you have claimed here, $915.00, is that the full bill? Is that the bill that remained -14- after the sums were applied to the bill? THE WITNESS: That's after the two were -- he got the V.A. and the social security. ~1ISS WINDER: That's the remaining balance, Your Honor. BY MRS. BRIGGS: Q Did Mr. Arthur Bowermaster have any medical insurance, any private insurance, like Blue Cross or Blue Shield? A No, he did not. Q Did he receive veterans benefits that would cover his hospital or doctor bills that you know of? A They covered a small amount, yes, both social security and V.A. Q By social security do you mean Hedicare payments? A Correct. Q The amount that you mentioned earlier of $3,283.00 for the hospital is what remains after those insurance benefits have been paid? A Correct. Q Regarding the debt that the estate owes to the Peoples National Bank, was that a joint debt, in other words, you said that your mother signed? A Correct. She had to sign so Arthur could get the money to pay on other bills that he had. Q Do you know the original amount of the debt? -15- A Altogether? Q Yes. When they first borrowed the money, do you know how much they borrowed? A No, I don't know right offhand. Q Have any payments been made on the debt? A Yes. Q Whose money was used to pay the debt? A Mother takes it out of her money that she receives every month. Q Do you know whether the remaining balance of $346.00 is more or less than half the total amount, do you have any idea? A I would say that would be about half. Q I have one further question, Mrs. Vaughn. On your statement of Debts and Deductions, a commission is listed for both you and your mother, Mrs. Retha Bowermaster, at five percent. Do you intend to actually deduct that amount from whatever is left over after the debts have been paid? In other words, let me ask it another way. If the real estate is sold and the debts are paid and there is $1,400.00 left over, do you and your mother intend to take that money as your commission? A We would rather put it in the savings for Alice. Q So you don't plan to take any commission at all for serving as an executrix? You would plan to save the entire balance -16- for Alice? A Correct. MRS. BRIGGS: Thank you, I have no furth~r questions. BY THE COURT: Q Mr. Bowermaster was about how old when he died? A Sixty-three. Q At the time of his death was he employed anywhere? A No, he was not, sir. Q Prior to his death when did he last work? A Roughly 1966. Q When he did work, where did he work? A He worked at C. H. Masland. Q Was he retired from Maslands? A He became disabled. Q Was he receiving disability pension for social security or from Maslands? A From social security, yes. Q Do you know how much that was a month? A I would say about 150. Q And he was getting how much from his V.A. benefits a month? A About 230. Q To the best of your knowledge those two items, did that -17- comprise the sole income of Mr. Bowermaster? A Yes, it was, sir. Q Who else lived in this property besides he, you, and I presume your daughter lived there? A Yes, my husband Michael, and my mother Retha. Q What did Mr. Bowermaster do with this money that he got each month, did he have a checking account? A No, he did not. He would get it cashed and have us pay his bills for him. Q So he had no bank accounts at all when he died? A No, he did not. Q Not even any joint account with anybody? A No, he did not. Q What do you propose to do with the items of furniture and things that belong to Mr. Bowermaster? Why haven't you sold them or done anything with them? A We were trying to find someone that was interested. We didn't know if we were allowed to sell, you know, until we got ahold of the Court and found out if we were allowed to sell the items. Q The house has been sitting there with these items in it then since sometime around June or July of last year? A Correct. Q Are you certain that this medical bill represents the balance after Medicare paid their share? -18- A Yes, Slr. THE COURT: That is all the questions the Court has. Do counsel have any further questions? MRS. BRIGGS: No, Your Honor. MISS WINDER: No, Your Honor. RETHA M. BOWERMASTER, called as a witness, being first duly sworn according to law, testified as follows: DIRECT EXAMINATION BY MISS WINDER: Q Would you state for the Court, Mrs. Bowermaster, your full name and address? A Retha Bowermaster, R. D. 10, Carlisle, Pa. Q At any time were you residing at the property that is the subject of this petition? A Q died? A Q A Q Yes, ma'am. Were you living there at the time that Mr. Bowermaster Yes, ma'am. Are you also a co-executrix of this estate? Yes, ma'am. Were you involved in cashing checks for Mr. Bowermaster and paying bills at any time? -19- A Ma'am? Q Were you involved with cashing checks for Mr. Bowermaster and paying bills while he was alive? A He would sign them and then he would have me to help to pay the bills, Carolyn and I. Q Did you take the checks to the bank and cash them for him, 1S that how you did it? A Yes, ma'am. Q At that time was he in good health or had he been sick? A He had been sick. Q How long had he been ill? A Well, real bad for over a year, I think. Q So it would have been quite awhile, is that correct, would that be a correct statement, that he had been ill for quite awhile? A Yes, ma'am. Q Had he been 1n and out of the hospital? A Yes, ma'am. Q So was there money spent on medical bills for medicine, prescriptions and things like that? A Yes, ma'am. Q Did that take a big portion of that check that he got every month? A Yes, ma'am. Q Can you tell us whether or not you ever went to the bank -20- with him and borrowed money to help pay some of these bills? A Yes, ma'am. Q What bank did you go to? A Peoples National Bank, Shippensburg. Q When did you go to the bank to borrow money? A Well, it must have been about two years I could guess. Q Would it have been sometime in 1978? A Yes, ma'am. Q Can you remember approximately the time of year, the month? A It must have been June or July, I think. Q Do you remember what the amount of the loan was? A The balance of it did you say? Q No, the original amount? A The original amount? Was it about $800.00? Yes, I believe it was. Can you tell us what your monthly payments were on that Q A Q loan? A Q A Q A On the loan? Yes. 57.71. Did both you and Arthur Bowermaster co-sign on this note? Yes, ma'am. -21- Q A Q A Q loan? A Q A Q Who made the payments on that note? I am paying the payments on it. Where did you get the money to make those payments? My disability. Have you been consistently making the payments on that I am making the payments. I just sent a payment today. So the outstanding balance is $300.00 and something? Till that gets in, it will be 340 some, I believe. When you were cashing checks, did you ever deposit any money to any savings or checking accounts for Mr. Bowermaster? A No, ma'am. Q It was handled all ln cash, is that correct? A Yes, ma'am. Q Are there any other bills that are outstanding or due that you know about? A Other than the hospital and the doctor -- Q And the ones that Carolyn has testified to this afternoon? A No, ma'am, not any other ones. Q That you are aware of. Are there any other items that could be turned into cash to pay bills other than what Carolyn has testified to and the real estate? A No. MISS WINDER: I have no other questions. -22- THE COURT: Just for the record, your relationship to the decedent was what? THE WITNESS: Sister-in-law. THE COURT: Go ahead. CROSS-EXAMINATION When is the last time you were there? In the beginning of December, I think it was, the latter part of November or the beginning of December. Q So these break-ins that you have heard about have occurred since then? A Well, some of the windows were broke out when we were up there. And they say it is worse now than what it was when we were up there. out of it. Q A out. Q A BY MRS. BRIGGS: Q The items of furniture and the plates that remain in the house, do you have an opinion as to how much they are worth? A No, I wouldn't. Q Do you know exactly what items there are? A I don't know what would be in there now, because they told me that it has been broken into and things have been taken So I wouldn't know what's in there anymore. Was the house locked when you left? It was locked, but the windows they say 1S all broken -23- MRS. BRIGGS: MISS WINDER: Thank you. I have no further questions. BY THE COURT: Q What was this money used for that was borrowed from Peoples Bank? A It was used for debts and things like that. Q Are you saying that the money was used for your brother- in-law, but you are repaying the loan? A I am repaying it right now. Q You got none of the original funds when they were borrowed from the bank? A No. Q Did Mr. Bowermaster ever have a checking account or a savings account to your knowledge? A Oh, years ago. Q Not in recent years? A Not ln recent years. He had I guess when he was working. THE COURT: I have no other questions. You may step down. -24- KENNETH M. HALE, JR., called as a witness, being first duly sworn according to law, testified as follows: DIRECT EXAMINATION BY MISS WINDER: Q State for the record your full name? A Kenneth M. Hale, Jr. Q Are you a licensed real estate broker ln the Commonwealth of Pennsylvania? A Yes. Q Do you have an office? A Yes, 14 West King Street in Shippensburg. Q Your business is in real estate, is that correct? A Yes. Q Did there come a time when you were contacted by me about the estate in regards to an appraisal for this property? A Yes. Q Were you provided with any information about this real estate prior to doing your appraisal? A Nothing other than a description and the location and size of lot and so forth. Q Did you go out to the property to look at it? A Yes. Q Can you tell us when you did that? -25- A In September. I think it was the 14th of September, '79. Q Can you describe the property that you saw? A The lot is fairly level. It has a few trees. There is about 292 feet of frontage on a macadam road. The house itself was originally a frame dwelling that a two-story concrete block section was added to. It's a rather unusual setup. Three of the walls are concrete block. The fourth wall is framed. That's attached to the original house which is obviously much, much older. The general condition of the property is very poor. When I was there, the concrete block section was locked, but you could see in all the windows. The other section you could walk in. And there are two rooms I believe down and two up in that section, and about the same setup in the concrete block section. The blocks are unfinished. As I said, the overall condition of the property is very poor, no central heating system. It would require a major expense, possibly more than just starting over with a new house. Q Can you tell us what kind, if any, septic system is on the property? A As I remember at the time there was a cesspool there, but I don't believe there is a septic tank of any kind. Q Are you aware what township this property lies in? A Yes, South Newton. -26- Q Can you tell us whether or not it is within the Conservation District? A I believe it is, yes. THE COURT: What does that mean? THE WITNESS: Well, I think the main factor here is the inability to subdivide the property. BY MISS WINDER: Q Could you tell us whether or not that is part of the zoning classification of South Newton Township? A The Conservation? Q Yes. A Yes. Q Can you tell us whether or not you know what the require- ments are for minimum lot size and road frontage in that Conservation Zone of South Newton Township? A It is 150 feet. We have 292 feet total here. So it would preclude the possibility of splitting it into even two building lots. Q In other words, there would not be enough road frontage for two lots, is that correct? A Yes. Q Can you tell us approximately how much acreage is involved and what the minimum acreage zoning requirements are? A There are three and a half acres there. I am not sure -27- what the minimum acreage requirement is. It would be less than three and a half acres. I believe it is an acre, but I am not sure. MRS. BRIGGS: Your Honor, I spoke to the Township Supervisor. The minimum lot requirement in that area is two acres. THE COURT: Is that in the ordinance itself, I presume? MISS WINDER: Yes, it is, Your Honor. There is a minimum of two acres in that Conservation District. BY MISS WINDER: Q Mr. Hale, you testified that there are some trees on the property, is that throughout the extent of the property? A No. There is a small wooded area immediately behind the building. The balance of the ground is treeless. Q Do you have any experience with any lots in that vicinity? A Just this fall around November we were involved in a sale. It would be within I would say a half to three quarters of a mile from the Bowermaster property along the same road. That particular property had been subdivided a number of years ago and involved a half acre that did have a functional well and a septic tank. At one point there had been a mobile home on the lot. The home was removed, but the people that bought the property were intending to move a mobile home on that site. That brought 7,000. -28- The sale was accomplished after it had been marketed for about four months. The individual that was selling it financed the sale, which was I think the only -- I believe the property would still be on the market if the owner had not financed it himself. Q Is that sale part of the experience that you have based your appraisal on? A Yes. The sale had not taken place at that point, but we were marketing the other property at the time of the appraisal. Q What is the fair market value of the property that we are speaking of here in your estimation? A In my opinion it was 14,000 to sell the property as a unit. Q To sell it as a unit, how are you considering it being sold? A To sell as is. Of course there is no possibility of subdividing it. Q Did you have an opinion as to its per acre value? A Approximately 4,000. Q After your experience with other property in the area, would you have a different opinion as to how much this property would be worth today in its present condition? A I think my opinion would still be 14,000. I think that in that particular area, after worklrig with the other lot and being somewhat familiar with the area, it is probably an area that appeals -29- to a limited number of buyers, because it is a little bit out of the way from either the Shippensburg area or the Carlisle area. The other properties, the majority of the other properties along that road would be considered lower, many of them lower-cost housing. That would restrict the use that this might be put to, such as possibly use for someone to put a mobile home there. But I donlt believe it would be a site for, probably a building site for a new home. And the house itself presents a little bit of a problem, in that as it stands now it basically is not habitable. And the question is whether a prospective buyer would be willing to renovate it for the purpose of living there or whether he would use it as an outbuilding of some kind. The concrete block section could be used as a barn or even converted to a garage or something of that type. Either build another house or put a mobile home on the lot. Q Do you have any opinion, you said that the house was not habitable now, do you have any opinion as to a rental value for that property at present? A Well, as the property stands now, I don't believe it could be rented. If you were to get someone to do just the basic work and clean up and replacing windows and things of that type, it would certainly be $50.00 or less. Q Is that per month? A Yes. -30- Q Can you tell us whether or not those surrounding properties from your knowledge or observation are mostly summer places or hunting camps? A I think in this immediate area I don't think there are any that are just for summer use. I think they are all permanent residences. MISS WINDER: I have no other questions. CROSS-EXAMINATION BY MRS. BRIGGS: Q Mr. Hale, I have a copy of the letter that you sent to Miss Winder, in which you set forth your appraisal of the property. And I am quoting, "Taking into consideration the frontage of the property and the suitability for subdivision, I would appraise the value of the land per acre at $4,000.00." When I read that, I assumed that you meant it was suitable for subdivision? A At that point I was under the impression that it could be. We have another area that is just outside of Walnutbottom that the developer has subdivided into lots with 100 feet of frontage. Q Given the property is not suitable for subdivision, and again the Township Supervisor I spoke to said that in his experience they haven't granted any variances. So do you still think the property is worth that much, since it will have to be sold as a unit, and also with this house that perhaps will have to be raised, -31- incurring additional expenses? A I think with any piece of real estate it is difficult to go out and say this to the penny of the hundred dollars is exactly what it is going to bring. Certainly a three-bedroom rancher ln the suburbs is a lot easier to price than a property like this, because there is more limited number of buyers for this type of property. I would still suggest that 14,000 would be a suitable figure. I don't think you would want an asking price any higher than that. It is conceivable that it would bring a little bit less. But comparing it to other sites that have sold lately, and at the time I was considering several properties that we have sold for use as summer cabins, another house that was in the same general condition as this one, maybe not quite as bad, that we had sold fairly recently to the time that I did the appraisal. And based on the sale prices of those, I didn't feel and don't now that 14,000 would be inappropriate for it. Naturally the real estate market the last six months has not been anywhere what it had been prior to that, which would affect the sale within the time frame of right now. But until you actually attempt to market the property, it is difficult to say what the sale price would be. MRS. BRIGGS: Thank you, Mr. Hale. I have no more questions. -32- BY THE COURT: Q Mr. Hale, in your opinion would this property bring the best price by selling it privately or by putting it for a public sale? A That again I don't think is really possible to answer. If the property is advertised for public sale and you happen to have an interested individual with financing available, it very well might bring the price at a public sale. But if the right individual isn't there, it may take some period of time to find him. Q So you do not know at this point, you have no opinion whether or not it could be sold better at a public or private sale? A I would lean toward the private sale probably. Simply based on our experience with the other piece of ground we had there, where we did have quite a few look. But the ones that were looking just simply couldn't obtain financing. Q Would your office list the property for a sale price of 14,000? A Yes. THE COURT: That is all the questions I have. You may step down. MISS WINDER: We have no other witnesses at this time, Your Honor. (Whereupon, Court was adjourned.) -33- IN RE: IN THE COURT OF COMMON PLEAS OF ARTHUR BOWERMASTER CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION NO. 21-78-661 I hereby certify that the proceedings and evidence are contained fully and accurately in the notes taken by me on the hearing of the above cause and that this is a correct transcript of same. ~f~ Barbara E. Nickolas Official Stenographer The foregoing record of the proceedings upon the hearing of the above cause is hereby approved and directed to be filed. F~.l ~, 11~O Date H r Id E. Sheely, J. Ninth Judicial District -34-