HomeMy WebLinkAbout02-24-06
REV-l500 EX + (6-00)
COMMONWEALTH OF
PENNSYLVANIA
DEPARTMENT OF REVENUE
DEPT. 280601
HARRISBURG, PA 17128-0601
REV-1500
INHERITANCE TAX RETURN
RESIDENT DECEDENT
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DECEDENTS NAME (LAST. FIRST, AND MIDDLE INITIAL)
OFFICIAL USE ONLY
FILE NUMBER
2 1 -0 5 1 0 0 2
C'iiUNTYCci1iE" -vEA~ - - 'N'U"MBER- -
SOCIAL SECURITY NUMBER
1 68- 3 6 - 3 220
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
SOCIAL SECURITY NUMBER
D 3. Remainder Return (date ofdealh prior to 12-13-82)
D 5. Federal Estate Tax Return Required
_ 8. Total Number of Safe Deposit Boxes
D 11. Election to tax under Sec. 9113(A) (Attach Sch 0)
THIS SECTION MUST BE COMPLETED; ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
NAME COMPLETE MAILING ADDRESS
MARCUS A. McKNIGHT III 60 WEST POMFRET STREET
FIRM NAME (If Applicable)
IRWIN & McKNIGHT
TELEPHONE NUMBER
717 249-2353 CARLISLE PA 17013
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McCULLOUGH
DATE OF DEATH (MM-DD-Year)
THELMA M.
DATE OF BIRTH (MM-DD-Year)
11/07/2005 03/08/1910
(IF APPLICABLE) SURVIVING SPOUSE'S NAME (LAST, FIRST, AND MIDDLE INITIAL)
[KJ 1. Original Retum
D 4_ Limited Estate
D 6. Decedent Died Testate (AttachcopyoIWill)
D 9. Litigation Proceeds Received
D 2. Supplemental Return
D 4a. Future Interest Compromise (date 01 death after 12-12-821
D 7. Decedent Maintained a Living Trust (Attach copy ofTrust)
D 10. Spousal Poverty Credit ldate of death between 12-31-91 and 1-1-95)
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1. Real Estate (Schedule A) (1)
2. Stocks and Bonds (Schedule B) (2)
3. Closely Held Corporation. Partnership or Sole-Proprietorship (3)
4. Mortgages & Notes Receivable (Schedule D) (4)
5. Cash, Bank Deposits & Miscellaneous Personal Property (5)
(Schedule E)
6. Jointly Owned Property (Schedule F) (6)
D Separate Billing Requested
7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (7)
(Schedule G or L)
B. Total Gross Assets (total Lines 1-7)
9. Funeral Expenses & Administrative Costs (Schedule H) (9)
10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) (10)
11. Total Deductions (total Lines 9 & 10)
12. Net Value of Estate (Line 8 minus Line 11)
13. Charitable and Governmental Bequests/See 9113 Trusts for which an election to tax has not been
made (Schedule J)
(8)
(11)
(12)
(13)
14. Net Value Subject to Tax (Line 12 minus Line 13)
SEE INSTRUCTIONS ON REVERSE SIDE FOR APPLICABLE RATES
(14)
15. Amount of Line 14 taxable at the spousal tax
rate, or transfers under Sec. 9116 (a)(1.2)
0.00 X _(15)
250,000.00 X _(16)
0.00 X .12 (17)
956,793.09 X .15 (18)
(19)
16. Amount of Line 14 taxable at lineal rate
17. Amount of Line 14 taxable at sibling rate
1 B. Amount of Line 14 taxable at collateral rate
19. Tax Due
20. [8J
CHECK HERE IF YOU ARE REOUESTING A REFUND OF AN OVERPAYMENT
> > BE SURE TO ANSWER ALL QUESTIONS ON REVERSE SIDE AND RECHECK MATH < <
150,000.00 I
854,607.261
OFFICIAL USE ONLY
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85,338.16
6,555.92
91 ,894.08
1,301,793.09
95,000.00
1 ,206,793.09
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143,518.96
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REV-1502 EX + (6-98)
'*
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
McCULLOUGH THELMA M. 21 05 1002
All real property owned solely or as a tenant in common must be reported at fair market value. Fair market value is defined as the price at which property would be
exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts.
Real property which is iointlv-owned with richt of survivorshio must be disclosed on Schedule F.
SCHEDULE A
REAL ESTATE
ITEM
NUMBER
1.
DESCRIPTION
31 Ridgeway Drive, South Middleton Township, Carlisle
Appraisal Attached
VALUE AT DATE
OF DEATH
150,000.00
TOTAL (Also enter on line 1, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
150000.00
REV-1503 EX + (6-98)
*'
SCHEDULE B
STOCKS & BONDS
. COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
McCULLOUGH
THELMA
FILE NUMBER
21 05
M.
1002
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
ITEM
NUMBER
1.
2_
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
DESCRIPTION
VALUE AT DATE
OF DEATH
40,249.46
Legg Mason - MBNA America Bank
CUSIP: 55264D3Z7
Legg Mason - BMW Bk North America
CUSIP: 05564Q3P2
31,897.22
Legg Mason - Westbank Hillside
CUSIP: 957122ABO
19,842.13
Legg Mason - Paragon CML Bank
CUSIP: 69911QND3
39,433.45
Legg Mason - GMAC Auto Bank
CUSIP: 36184PEB8
40,958.45
Legg Mason - Community Bank
CUSIP: 20364FAU8
9,982.21
Legg Mason - Capital One Bank
CUSIP: 1404097K3
39,723.93
Legg Mason - Cash
999.05
Scudder Investments - Managed Municipal Bond Fund
2,231.428 Shares x $9.03 = $20,149.79
CUSIP: 488419201
Citigroup Inc.
154 Shares x $46.43 = $7,150.22
CUSIP: 172967101
Eaton Vance Group
5,159.308 Shares x 11.13 = $57,423.10
20,149.79
7,150.22
57,423.10
Series HH Savings Bonds - Inventory Attached
31,000.00
Murphy Oil Corporation - 200 Shares Common Stock
400 Shares x $46.63 = $18,652.00
18,652.00
Canadian Natural Resources Limited
5 Shares x $54.95 = $274.75
CUSIP: 136385101
M&T Investment Group - Allied Irish Banks PLC Sponsored ADRS
3,900.00 x $40.80 = $159,120.00
274.75
159,120.00
M& T Investment Group - Franklin Income Fund CL A
22,949.327 x $2.39 = $54,848.89
54,848.89
TOTAL (Also enter on line 2, Recapitulation) $
(If more space is needed. insert additional sheets of the same size)
854 607.26
Continuation of REV-1500 Inheritance Tax Return Resident Decedent
Page 1
21 05 1002
File Number
McCULLOUGH
Decedent's Name
THELMA
M.
Schedule B - Stocks & Bonds
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
17. M& T Investment Group - Franklin U.S. Govt CL A 57,751.04
8,967.553 x $6.44 = $57,751.04
18. M&T Investment Group - Franklin Federal Tax Free Income Fund CL A 55,378.48
4,630.308 x $11.96 = $55,378.48
19. M& T Investment Group - Franklin Strategic Income Fund CL A 59,427.58
5,948.707 x $9.99 = $59,427.58
20. M& T Investment Group - Franklin High-Yield Income Fund CL A 55,040.04
5,182.678 x $10.62 = $55,040.04
21. M& T Investment Group - Franklin Penn Tax Free Income Fund CL A 55,305.47
5,359.057 x $10.32 = $55,305.47
SUBTOTAL SCHEDULE B 282,902.61
GRAND TOTAL SCHEDULE B $ 854,607.26
RE'- "?' EX. "*,
SCHEDULE E
CASH, BANK DEPOSITS, & MISC.
PERSONAL PROPERTY
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
McCULLOUGH
ITEM
NUMBER
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
FILE NUMBER
THELMA M. 21 05
Include the proceeds of litigation and the date the proceeds were received by the estate.
All property jointly-owned with right of survivorship must be disclosed on Schedule F.
DESCRIPTION
M&T Bank - Certificate of Deposit #31003908164137
M&T Bank - Certificate of Deposit #31003910374245
M& T Bank - Certificate of Deposit #31003910503422
M& T Bank - Certificate of Deposit #31003910765535
M& T Bank - Certificate of Deposit #31003912279005
M&T Bank - Certificate of Deposit #3100391302853
M&T Bank - Certificate of Deposit #31003913025861
M&T Bank - Certificate of Deposit #31003913795480
M& T Bank - Certificate of Deposit #31003913795563
M& T Bank - Certificate of Deposit #31003914492762
M& T Bank - Certificate of Deposit #31003914583397
M& T Bank - Certificate of Deposit #31003914583404
M&T Bank - Certificate of Deposit #31003914583412
M& T Bank - Checking Account #439576
Personal Property
Coin Collection and Jewelry
TOTAL (Also enter on line 5, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
1002
VALUE AT DATE
OF DEATH
25,078.78
17,761.24
16,027.50
18,043.10
25,096.32
25,025.95
25,025.95
18,077.30
40,192.18
15,008.78
25,193.61
25,186.82
25,117.39
76,439.17
6,229.00
2,527.00
386030.09
REV-1510 EX + (6-98)
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COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
McCULLOUGH THELMA
SCHEDULE G
INTER-VIVOS TRANSFERS &
MISC. NON-PROBATE PROPERTY
M.
FILE NUMBER
21 05
1002
This schedule must be completed and filed if the answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes.
DESCRIPTION OF PROPERTY
ITEM INCLUDE THE NAME OF THE TRANSFEREE. THEIR RELATIONSHIP TO DECEDENT AND DATE OF DEATH % OF DECO'S EXCLUSION TAXABLE
NUMBER THE DATE OF TRANSFER ATTACH A COPY OF THE DEED FOR REAL ESTATE. VALUE OF ASSET INTEREST VALUE
(IF APPLICABLE)
1. Prudential Financial - Annuity #DOS426494-A 3,049.82 100. 3,049.82
..- TOTAL (Also enter on line 7 Recapitulation) $ 3 049.82
(If more space is needed, insert additional sheets of the same size)
REV-1511 EX + (12-99)
'*
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SCHEDULE H
FUNERAL EXPENSES &
ADMINISTRATIVE COSTS
ESTATE OF
McCULLOUGH
ITEM
NUMBER
A.
1.
2.
B.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
THELMA
M.
Debts of decedent must be reported on Schedule I.
DESCRIPTION
FUNERAL EXPENSES:
Hoffman-Roth Funeral Home
Lydia Hazlett - Reception
ADMINISTRATIVE COSTS:
Personal Representative's Commissions
Name of Personal Representative (s)
Social Security Number(s)/EIN Number of Personal Representative(s)
Street Address 60 West Pomfret Street
City Carlisle
Year(s) Commission Paid:
State P A
Attomey Fees Irwin & McKnight
Family Exemption: (If decedent's address is not the same as claimanfs, attach explanation)
Claimant
Street Address
City
Relationship of Claimant to Decedent
Probate Fees Register of Wills
Accountant's Fees
Tax Return Preparer's Fees Patricia A. Rosendale, CPA
Register of Wills - Short Certificates
Register of Wills - Filing Fee
Notary Fees
Cumberland Law Journal - Estate Notice
The Sentinel - Estate Notice
Jim's Custom Lawn - Lawn Care
Graham Motor Company - Car Service
Roy D. Gottshall, Appraisal on Personal Property
S. W. Barrett Real Estate - Appraisal on Real Estate
Walnut Bottom Lawn Care
State
FILE NUMBER
21
05
1002
TOTAL (Also enter on line 9, Recapitulation) $
(If more space is needed, insert additional sheets of the same size)
Zip 17013
Zip
AMOUNT
529.19
376.00
40,625.00
41,375.00
860.00
450.00
40.00
30.00
100.00
75.00
129.77
148.40
123.50
65.00
300.00
111 .30
85338.16
REV-15~2 EX + (6-98)
'* SCHEDULE.
.
COMMONWEALTH OF PENNSYLVANIA DEBTS OF DECEDENT,
INHERITANCE TAX RETURN MORTGAGE LIABILITIES. & LIENS
RESIDENT DECEDENT
ESTATE OF FILE NUMBER
McCULLOUGH THELMA M. 21 05 1002
Include unreimbursed medical expenses.
ITEM VALUE AT DATE
NUMBER DESCRIPTION OF DEATH
1. UGI Utilities 487.76
2. Met-Ed - Electric 91.02
3. PSERS - Reimbursement of Pension 2,901.48
4. Comcast Cable - Cable 135.03
5. Sprint - Telephone 141.63
6. South Middleton Township - Water/Sewer 99.00
7. Attorneys Fees - Representation as Agent-in-Fact 2,500.00
8. Karl Getz - Outstanding Check from M& T Bank Checking Account 200.00
TOTAL (Also enter on line 10, Recapitulation) $ 6555.92
(If more space is needed, insert additional sheets of the same size)
"".'''1>''''*
SCHEDULE J
BENEFICIARIES
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
ESTATE OF
THELMA
FILE NUMBER
21 OJ:)
RELATIONSHIP TO DECEDENT
Do Not List Trustee(s)
MI"r.11I I )II~H
M.
NUMBER
I.
1.
2.
3.
4.
5.
6.
7.
NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY
TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under
Sec. 9116 (a) (1.2)J
Joan M. Heyser
10314 Waltham Drive
Richmond, VA 23238-4823
Marie E. Doyle
11 E. Hunter Road
Carlisle, PA 17013
Jeffrey Doyle
21 Heather Circle
Jefferson, MA 01522
Scott Doyle
14108 Roamer Ct.
Centreville, VA 20121
Margie Bair
1204 Pheasant Drive, South
Carlisle, PA 17013
Richard and Esther Ocker
827 Dunbar Road
Carlisle, PA 17013
Mark Ocker
904 Green Street
Harrisburg, PA 17102
Lineal
1002
AMOUNT OR SHARE
OF ESTATE
250,000.00
45,000.00
Harleyville Life Insurance
15,000.00
15,000.00
Remainder/Real Estate
3,000.00
3,000.00
ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET
II. NON-TAXABLE DISTRIBUTIONS:
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE
Collateral
Collateral
Collateral
Collateral
Collateral
Collateral
1.
1.
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
Dr. Ray R. and Thelma M. McCullough Nursery School Trust Fund
45 S. West Street
Carlisle, PA 17013
Grace United Methodist Church Thelma M. McCullough Sunday School Class
45 S. West Street
Carlisle, PA 17013
Lions Club, c/o Robert Diggory
124 E. Louther Street
Carlisle, PA 17013
2.
3.
TOTAL OF PART II - ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET
(If more space is needed, insert additional sheets of the same size)
80,000.00
5,000.00
10,000.00
$
95000.00
Continuation of REV-1500 Inheritance Tax Return Resident Decedent
Page 2
21 05 1002
File Number
McCULLOUGH
Decedent's Name
THELMA
M.
Schedule J - Beneficiaries - 1
RELATIONSHIP TO DECEDENT AMOUNT OR SHARE
NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) OF ESTATE
I TAXABLE DISTRIBUTIONS (include outright spousal distributions)
8. Michael Ocker Collateral 3,000.00
141 E. York Road
Carlisle, PA 17013
9. Laurie Barrick Collateral 3,000.00
192 S. Middlesex Road
Carlisle, PA 17013
10. Walter Z. Loyand Dolores Loy Collateral ~ 0,000.00
19 Thornbill Ct.
Carlisle, PA 17013
LAST WILL AND TESTAMENT
I, THELMA M. McCULLOUGH, of the Borough of Carlisle, Cumberland County,
Pennsylvania, declare this instrument to be my Last Will and Testament, hereby expressly
revoking all Wills and Codicils heretofore made by me.
ONE: I direct my Execut~r to pay all of my debts, funeral and administrative
expenses as soon as may be done conveniently after my decease. I direct that all administrative
expenses and inheritance taxes be paid from my residuary estate.
TWO: I authorize and empower my Executor to sell any realty owned by me at
my death and not specifically devised or bequeathed herein, at either public or private sale, and
to give good and sufficient deeds therefor, in fee simple, as I could do if living.
THREE:
I give, devise and bequeath the following:
A.
Attorney.
I give certain items of personal property according to a list left with my
B. I give the sum of Two Hundred Fifty Thousand and no/lOO ($250,000.00)
Dollars to JOAN M. HEYSER. This bequest is made in full satisfaction of my promise
to pay said JOAN M. HEYSER, the sum of One Hundred Forty Thousand and no/lOO
($140,000.00) Dollars in a Certificate of Deposit pursuant to a Compromise Agreement
and Mutual Release executed in 1990.
C. I give the sum of Forty-Five Thousand and no/lOO ($45,000.00) Dollars to
MARIE E. DOYLE, per stripes.
D. I give the sum of Fifteen Thousand and noll 00 ($15,000.00) each to Marie
E. Doyle's sons, JEFFREY DOYLE and SCOTT DOYLE. If either of them shall
predecease me then in that event his share shall go to his spouse and children, if any, in
equal shares.
E. I give the sum of Eighty Thousand and nollOO ($80,000.00) Dollars to the
DR. RAY R. and THELJ\iIA M. McCULLOUGH NURSERY SCHOOL TRUST
FUND for the exclusive general charitable purposes and use of God's Little Ones'
Nursery School of Carlisle, Pennsylvania.
F. I give the sum of Five Thousand and no/lOO ($5,000.00) Dollars to the
GRACE UNITED l\IETHODIST CHURCH THELl\IA M. lVlcCULLOUGH
SUNDAY SCHOOL CLASS, with the request that the money be invested and the
interest be used for sending flowers, books, etc., to the shut-ins or ill from the class and
helping the needy.
'\ '
\..) ".'>'~'
G. I give my Harleyville Mutual Insurance Company proceeds carried
through the South Middleton School District to MARIE E. DOYLE, per stirpes.
H. I give, devise and bequeath title in fee simple to my residence located at
31 Ridgeway Drive, South Middleton TO'v"TIship, Carlisle, Cumberla.'1d County,
Pennsylvania and my Eaton Vance Account #0000110270 to MARGIE BAIR, per
stirpes.
1. I give the sum of Ten Thousand and no/lOO ($10,000.00) Dollars to the
LIONS CLUB of Carlisle, Pennsylvania for its general charitable purposes in their eye
treatment and research projects.
2
J. I give the sum of Three Thousand and no/100 ($3,000.00) Dollars jointly
to RICHARD and ESTHER OCKER, or the survivor of the two of them, per stirpes.
K. I give the sum of Three Thousand and no/IOO ($3,000.00) Dollars each to
lVIARK OCKER, lVlICHAEL OCKER and LAURIE BARRICK. If any of these
individuals predeceases me, then in that event their share shall be paid to their spouse and
their children, in equal shares.
1. I give the sum of Ten Thousand and no/IOO ($10,000.00) Dollars to
\-V ALTER Z. LOY and DOLORES LOY, or the survivor of the two of them, per
stirpes.
FOUR: I give, devise and bequeath all the rest, residue and remainder of my estate
of every nature and wherever situate to l\-IARGIE BAIR, per stirpes.
FIVE:
I nominate and appoint MARCUS A. McKNIGHT, III, to be the
Executor or this my Last Wili and Testament, he is to serve as such \vithout bond. Should he die
before my death, renounce or refuse to serve for any reason, or die leaving any of my estate
unadministered, I nominate and appoint MARIE E. DOYLE, as substitute Executrix, with the
same powers as are give herein to my original Executor and also to serve as such without bond.
SIX: I hereby suggest that my personal representative retain the services of
Irwin, McKnight & Hughes, as attorneys in the settlement of my estate.
IN \-VITNESS \-VHEREOF, I have hereunto set my hand and seal this 2Pt day of March,
2003.
AL)
3
Signed, sealed, published and declared by the above named Testatrix, as and for her Last
Will and Testament, in the presence of us, who, at her request and in her presence and in the
presence of each other have subscribed our names as witnesses hereto.
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ACKNO\-VLEDGNIENT AND AFFIDAVIT
SCHW ALM, the testatrix and witnesses respectively, whose names are signed to the foregoing
'VE, THELl\tIA M. l\tlcCULLOUGH, TRACI D. SMITH and SHARON L.
instrument, being first duly sworn, do hereby declare to the undersigned authority that the
testatrix signed and executed the instrument as her last will and that she had signed willingly,
and that she executed it as her free and voluntary act for the purpose herein expressed, and that
each of the witnesses, in the presence and hearing of the testatrix, signed the will as a witness
and that to the best of their knowledge the testatrix was, at that time, eighteen years of age or
older, of sound mind and under no constraint or undue influence.
/~/ / /7
l~>1, 1 m
THELMA lVI. McCUL OUGH
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TR",-CI D. SMITH'
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SHARON L. SCH\V ALM
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COlVIlVION\VEAL TH OF PENNSYLVANIA
: SS:
COUNTY OF CUMBERLAND
Subscribed, sworn to and acknowledged before me by THELMA M. McCULLOUGH
the testatrix herein, and subscribed and sworn to before me by TRACI D. SMITH and SHARON
L. SCH\V ALl\tl, witnesses, this /) J dday of March 2003.
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S. W. Barrett Real Estate & Appraisal Services
F~e No. 05-0706
APPRAISAL OF
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LOCATED AT:
31 Ridgeway Drive
Carlisle, PA 17013
FOR:
Irwin & McKnight
60 West Pomfret Street
Carlisle, PA 17013
BORROWER:
Thelma M. MCCULLOUGH, Estate
AS OF:
November 7,2005
BY:
Cassandra J. Crockett
Certified Residential Appraiser
I-~_. -----------------..------__________m_.__ u... ,__ _ ______.,_______,___...____ _____ ____u_________..____~__________
S. W. Barrett Real Estate & Appraisal Services
File No. 05-0706
I
12/02/2005
Irwin & McKnight
60 West Pomfret Street
Carlisle, PA 17013
File Number: 05-0706
In accordance with your request, I have personally inspected and appraised the real property at:
31 Ridgeway Drive
Carlisle, PA 17013
The purpose of this appraisal is to estimate the market value of the subject property, as improved.
The property rights appraised are the fee simple interest in the site and improvements.
In my opinion, the estimated market value of the property as of November 7, 2005 is:
$150,000
One Hundred Fifty Thousand Dollars
The attached report contains the description, analysis and supportive data for the conclusions,
final estimate of value, descriptive photographs, limiting conditions and appropriate certifications.
Respectfully submitted,
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Cassandra J. Crockett'
Certified Residential Appraiser
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Proofftv Descriotion File No. 05-0706
Property Address 31 Ridaewav Drive Citv Carlisle State P A ZipCode 17013
LegalDescriotion Deed Book 104' Paae 807; South Middleton Two Countv Cumberland
Assessor's Parcel No. 40-24-0748-048 Tax Year 05106 R.E. Taxes $ 1.998.00 Soecial Assessments $ NIA
Borrower Thelma M. MCCULLOUGH. Estate Current Owner Thelma M. McCullouah Occupant: I I Owner I Tenant IX 1 Vacant
" Property riqhts appraised r X l Fee Simole 1 Leasehold I Proiect Tvoe Il PUD r l Condominium (HUON A only) HOA$ NIA /Mo.
Neighborhood or Proiect Name Greenfields Map Reference 24-0748 Census Tract 0125.00
Sale Price $ NIA Date of Sale NIA Description and $ amount of loan charaes/concessions to be paid bv seller NI A
Lender/Client Irwin & McKniaht Address 60 West Pomfret Street. Carlisle. PA 17013
Aooraiser Cassandra J. Crockett Address 126 North Hanover Street Carlisle PA 17013
Location U Urban I!J Suburban 0 Rural Predominant Single family housing Present land use % land use change
Built up IKl Over 75% o 25-75% 0 Under 25% occupancy PRICE AGE One family 70% o Not likely o Likely
$(000) (yr,)
Growth rate o Rapid IKl Stable o Slow IKl Owner 1 00 Low New 2-4 family 0% IKlln process
Property values IKllncreasing o Stable o Declining o Tenant 350+ Hioh 100 Mutti-family 5% To: Residential!
Demand/supply 0 Shortage IKlln balance o CNer supply IKl Vacant(0-5%) Predominant Commercial 10% Commercial
Marketino time M Under 3 mos. IXl 3-6 mos. n Over 6 mos. M Vacant (ove< 5%\ 165 25 Vacant \ 15%
Note: Race and the racial composition of the neighborhood are not appraisal factors.
Neighborhood boundaries and characteristics: Subiect is bounded on the north bv Pa.Turnoike' on the east bv Rt.34; on the south bv
. Rt.174: and on the west bv Burnthouse Road.
.
. Factors that affect the marketability of the properties in the neighborhood (proximity to employment and amenities, employment stability, appeal to market, etc.):
. Subiect orooertv is located in an exoandina area of sinale familv homes both detached and attached with a mix of
.
" residential and commercial usaae. shoooina and other amenities are within a short drivina distance. School svstem is South
Middleton District and students are bused. SMSA 42-3240.
Market conditions in the subject neighborhood (including support for the above conclusions related to the trend of property values, demand/supply. and marketing time
- - such as data on competitive properties for sale in the neighborhood, description of the prevalence of sales and financing concessions, etc.):
Propertv values are currentlv stable with an averaae marketina time of 80-100 davs. Economic trends and lendina rates have
remained favorable. Sales concessions occur infreauentlv. There are new homes under construction in surroundina
developments as well as resales available in the neiahborhood.
. Project Information for PUDs (If applicable) - - Is the developer/builder in control of the Home Owners' Association (HOA)? DYES ONO
Approximate total number of units in the subject project NIA Approximate total number of units for sale in the subject project NIA
Describe common elements and recreational facilities: NIA
Dimensions See leaal descriotionltax man Topography Basicallv Level
Site area .18 Acre MIL Corner Lot IKl Yes 0 No Size Tvnical for area
Specific zoning classification and description Residential Hiah Densitv RH Shape Irreaular
Zoning compliance IKl Legal fXlO Legal nonconning (Grandfathered use) 0 Illegal o No zoning Drainage Anoears adeauate
Highest & best use as imoroved: X Present use Other use (exolain) View Res identi a IICou ntrvs ide
Utilities Public Other Off-site Improvements Type Public Private Landscaping Tvnical
Electricity IKl 200 amo Street Asphalt IKl 0 Driveway Surface Asnhalt
Gas IKl Curb/gutter Concrete IKl 0 Apparent easements None Anna rent
Water IKl Sidewalk Concrete IKl 0 FEMA Special Flood Hazard Area U Yes lxJ No
Sanitary sewer ~ Street lights None R R FEMA Zone C Map Date 1114181
Storm sewer A1lev None FEMA MaD No. 420371A
Comments (apparent adverse easements, encroachments, special assessments, slide areas, illegal or legal nonconforming zoning, use, etc.): There are no
apparent adverse easements. encroachments or other adverse conditions.
GENERAL DESCRIPTION EXTERIOR DESCRIPTION FOUNDATION BASEMENT INSULATION
No. of Units One Foundation Concrete Slab Full Area Sq.Ft. NIA Roof 0
No. of Stories One Exterior Walls VinyllBrick Qa\o,I Space Non e % Finished NIA Ceiling 00
Type (Det./Att.) Semi-Det. Roof Surface Shinale Basement None Ceiling NIA Walls IKl
Design (Style) Twnhouse Gutters & Dwnspts. Aluminum Sump Pump None Walls NIA Floor IKl
Existing/Proposed Existing Window Type DoubleHung Dampness None Obs. Floor NIA None 0
Age (Yrs.) 12 Yrs Storm/Screens Thermal Settlement None Obs. Outside Entry NI A Unknown 0
Effective Aoe 'Yrs.) 6-8 Manufactured House No Infestation None Obs.
. ROOMS Faver Livino Dinino Kitchen Den Familv Rm. Rec. Rm. Bedrooms # Baths Laundrv Other Area Sq.Ft.
b Basement
Level 1 Area 1 Area 1 2 2 Area 1.184
. Level 2
~
Finished area above arade contains: 4 Rooms; 2 Bedroom s): 2 Bath{s); 1 184 Sauare Feet of Gross Livino Area
INTERIOR Materials/Condition HEATING KITCHEN EQUIP. ATTIC AMENITIES CAR STORAGE:
Floors CaroetNinvl Type Ht Pumn Refrigerator 0 None 0 Fireplace(s) # _ 0 None 0
. Walls Drvwall Fuel Electric Range/Oven IKl Stairs 0 Patio Concrete IKl Garage # of cars
Trim/Finish Wood ConditionAveraae Disposal IKl Drop Stair 0 Deck 0 Attached 1
Bath Floor Vinvl COOLING Dishwasher IKl Scuttle IKl Porch Entry IKl Detached
Bath Wainscot DrvwalllFbrals Central Yes Fan/Hood IKl Floor 0 Fence 0 Built-In
Doors 6 Panel Moulded Other None Microwave R Heated R Pool R Carport
Averaae Condition ConditionAveraae Washer/DrYer Finished Drivewav 11Pvd
Additional features (special energy efficient items, etc.): Vaulted ceilinas ceilina fans' breakfast bar in kitchen.
Condition of the improvements, depreciation (physical, functional, and external), repairs needed, quality of construction remodeling/additions, etc.: Imorove
ments are in averaae condition with no functional inadeauacies apparent. Evidence of nrevious cei/ina leak in both aaraae
and laundrv room apoears controlled, no evidence of water or damoness observed at time of inspection.
.
Adverse environmental conditions (such as, but not limited to, hazardous wastes, toxic substances, etc.) present in the improvements, on the site, or in the
immediate vicinity of the subject property: No adverse environmental conditions are aooarentldisclosed.
SUMMARY APPRAISAL REPORT
UNIFORM RESIDENTIAL APPRAISAL REPORT
Freddie Mac Form 70 6-93
PAGE 1 OF 2
Produced tl!;ing ACl softNare, 800.234.8727 WVt'W.aciweb,c:om
Fannie Mae Fcxm 1004 &-93
ESTIMATED SITE VALUE. .......................... = $
ESTIMATED REPRODUCTION COST-NEW OF IMPROVEMENTS:
Dwelling 1 ,184 Sq. Ft. @ $ 90.00 = $ 106,560
_ N/A Sq.Ft. @$ = 0
· Patio/Entrv = 2,500
. Garage/Carport ~ Sq. Ft. @ $ 30.00 = 8,280
Total Estimated Cost New = $ 117 ,340
. Less PhySical.'j Fu'n~ti;n~I'I' . E~t~r'n~I' . Est. Remaining Econ. Life:
DepreciatIOn $5 000 I I = $ 5,000
Depreciated Value of Improvements . . . . . . . . . . . . . . . . . .. = $
"As-is" Value of Site Improvements. . . . . . . . . . . . . . . . . .. = $
INDICATED VALUE BY COST APPROACH. . . . . . . . . .. = $
ITEM SUBJECT COMPARABLE NO.1
31 Ridgeway Drive 27 Greenfield Drive
Address Carlisle Carlisle
Proximitv to Subiect 0.07 MI NNE
Sales Price $ N/A
Price/Gross Liv. Area $ 0.00 ill $
Data and/or Inspection
Verification Sources CHR
VALUE ADJUSTMENTS DESCRIPTION
Sales or Financing N/A
Concessions
Date of SalelTime
Location
Leasetrl:JJfee SirOO
Site
View
Design and Aooeal
Qua~ of Consln.x:fun
Aae
Valuation Section
Condition
Above Grade
Room Count
Gross Livina Area
. Basement & Finished
Rooms Below Grade
Functional Utility
Heatino/Coolino
Enerav Efficient Items
Garaoe/Caroort
. Porch, Patio, Deck,
Fireplace(s), etc.
Fence, Pool, etc.
N/A
Suburban
Fee Simole
Lot/AvQ r.181
Residential
Twnhs/SemiDet
AvaNinyl/Brick
12 Yrs
Ava/Good
31;
Total : Bdrms I Baths
4: 2: 2.00
1 184 So.Ft.
Slab
Unfinished
AveraQe
HP/CA
Tvoical
1 Car Garaae
Entry/Patio
.
None
SUMMARY APPRAISAL REPORT
UNIFORM RESIDENTIAL APPRAISAL REPORT
File No 05-0706
35.000
Comments on Cost Approach (such as, source of cost estimate,
site value, square foot calculation and for HUD, V A and FmHA, the
estimated remaining economic life of the property):
Cost new from Marshall Swift Valuation Service
Handbook and local cost analysis. land value from
Market Data Comoarison. Deoreciation based on aoe life
observed condition and Market Data Analvsis.
Estimated Remainina Economic Life is
44
112 340
4000
151 300
COMPARABLE NO.2
9 Wexford Court
Carlisle
0.02 MI ENE
COMPARABLE NO.3
45 Greenfield Drive
Carlisle
0.06 MI NNW
$
125.30 ill
155 000
$
125.33 ill
149.900
$
$
123.68 ill
149 900
$
Courthouse Records
DESCRIPTION ,+ (.) $ Adiustment
None, Cony :
DOM unknown :
6/05 :
Suburban '
Fee Simple :
lot/Ava T211 :
Residential '
Twnhs/SemiDet :
AvgNinyl/Brick :
14 Yrs '
Similar :
Courthouse Records
DESCRIPTION I + (-) $ Adjustment
None, Cony :
DOM unknown :
5/05 :
Suburban :
Fee SimDle :
lot/Ava r.211 :
Residential '
Twnhs/SemiDet :
AvaNinyl/Brick :
13 Yrs :
Similar :
Courthouse Records
DESCRIPTION I + (.) $ Adjustment.
None, COny ,
DOM unknown :
11/04 :
Suburban :
Fee Simole :
Lot/Ava L141 :
Residential :
Twnhs/SemiDet :
AvaNinyllBrick :
10 Yrs :
Similar :
Total : Barns I Baths :
5: 2: 2.00:
1,237 5o.Ft. :
Slab :
,
,
,
,
,
Total : Bdrms I Baths :
4: 2: 2.00:
1.196 Sq,Ft. :
Slab :
,
,
,
,
,
Total: Bdrms I Baths :
5: 2: 2.00 :
1 212 So.Ft. :
Slab :
,
,
,
,
-1 900
-400
-1 000
Averaae
GFHAlCA
Tvoical
2 Car Garaae
Porch/Patio
Averaae
HP/CA
Tvoical
1 Car Garaae
Entry/Patio
Averaae
GFHAlCA
Tyoical
1 Car Garaae
Entry/Patio
-3,000
None
None
None
Net Adj. (total\ r l + fxl- '$ 4.900 I + fxl. '$ 400 r l + rxl- : $ 1,000
Adjusted Sales Price Gross: 3.2% Gross: 0.3% Gross: 0.7%
of Comparable Net: -3.2% $ 150.100 Net: -0.3% $ 149,500 Net: -0.7% $ 148,900
Comments on Sales Comparison (including the subject property's compatibility to the neighborhood, etc.): All comoarables are similar in stvle, utility,
and location to the subiect orooertv. are verified closed sales and are the best currentlv available. Ranoe of value is $148 000
to $150.000.
ITEM
SUBJECT
COMPARABLE NO.1
COMPARABLE NO.2
COMPARABLE NO.3
Date, Price and Data
Source for prior sales None None None None
within year of aooraisal CHR Courthouse Records Courthouse Records Courthouse Records
Analysis of any current agreement of sale, option, or listing of the subject property and analysis of any prior sales of subject and comparables within one year of the date of appraisal:
No recorded sales within three years were found.
INDICATED YALUE BY SALES COMPARISON APPROACH .....................................................$ 150,000
. INDICATED VALUE BY INCOME APPROACH (If Applicable) Estimated Market Rent $ N/A /Mo. x Gross Rent Muniolier N/A = $ N/A
This appraisal is made ~ "as is" 0 subject to the repars, a~erations, inspections or condttions listed below 0 subject to completion per plans and specifICations.
Condttions of Appraisal: The orooertv has been aooraised in current condition. This aooraisal is for client onlv. nontransferable. See
attached addendum.
Final Reconciliation: Cost and Market Analvsis consistentlv suooort mv estimated market value. GRM analysis was found
inaoorooriate for this analvsis. Greatest weiaht is aoolied to the Market Data Analysis. SUDDorting file information
. substantiates these estimates.
The purpose of this appraisal is to estimate the market value of the real property that is the subject of this report, based on the above conditions and the certification, contingent
and limiting conditions, and market value definition that are stated in the attached Freddie Mac Form 439/Fannie Mae Form 10048 (Revised 6/93 ).
I (WE) ESTIMATE THE MARKET VALUE. AS DEFINED, OF THE REAL PROPERTY THAT IS THE SUBJECT OF THIS REPORT, AS OF 11/07/2005
· (WHICH IS THE DATE OF INSPECTION AND THE EFFECTIVE DATE OF THIS REPORT) TO BE $ _ 150,000 '_'--"
APPRAISER:,) ,( i / /' S.UPERVI~O~~ APPRA~~*O~L Y It REQl!!.B@);l
Signature (.....: ~ 'J<' r -/ ; " f " - Slgnatl:fre-..) -..-. \,.. I L-_ I
Name Cassandra J. Crockett . / Name Steven W. Barrett, SRPA, SRA
Date Report Signed 12/02/2005 Date Report Sioned 12/02/2005
State Certification # RL-001348-L State PA State Certification # GA-000298-L
Or State License # State Or State License # RB-026921-A
Freddie Mac Fam 70 6-93 Certifiecs ReSICSentlal PAGE 2 OF 2 Certifiecs General Appraiser Fannie Mae Fam 1004 6-93
Produr.ed u~Jng ACI software, 800.234,8727 W'WW,aciweb,corTI
Appraiser
ODid OODid Not
Inspect Property
State PA
State P A
Steven W. Barrett R.E. Appr. Svc.
SKETCH/AREA TABLE ADDENDUM
Case No
I
ProP.El~y!\dQ~~s_~~itl!!~~il~ I:l~i~_~__ ____ ______
c;ity_n~a~il;I~____n ____~___________ _S:()lJr1lY CUmberland
~~(r~.....,,~T-"-~Il1~!<!:~~~l!!::,=-()UGI:!!~~~.. _______
~~d_er{c;lif)nJn_J~~I1_&_M~~l1jg~t_______ ___ __.
Apprai:;er:. ~<3rnEl__~~~andr~~ ~~oc~~ _____n____
-- ----...------------..---- .'-------- ~--- .-..----.-------
File No 05-0706
Stale PA
n__ZiL!~13__
Lie Address 60 West Pomfret Street, Carlisle, PA 17013
u__._____.,_.____. __ _. _ _. _..
_ Appr Add!ess
30.0'
~
Bedroom Bath
Mslr 0
<Ii
WI ~ Bedroom
0 ----"
cri
'" l'"''
Bath---j
Patio
-I Dining Area b 0
u) cri
~
. 12.0' !;J
10.0'
0 0
'"
living Room cri
0 Foyer
M Garage
'"
O'
0
b -i
~ 14.0'
12.0'
Comments:
---------...--....---.. -----~~--_._.._._- - - --------,.----.----
Scale:
1 = 12
GLA1 First Floor 1184.00 1184.00 First Floor
pip Patio 166.00 166.00 3.0 x 5.0 15.00
GAR Garage 276.00 276.00 0.5 x 3.0 x 3.0 4.50
0.5 x 3.0 x 3.0 4.50
27.0 x 30.0 810.00
15..0 x 18.0 270.00
2.0 x 12.0 24.00
4.0 x 14.0 56.00
TOTAL LIVABLE
(rounded)
1184
I
7 Areas Total (rounded)
I
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J
1184
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APEX SOFTWARE 800-858.9956
Apll81DO-w Apellll
';;'UCVC'-' I r"-VrJ:K I T ,...t1V I U AUUl:NUUM
Borrower: Thelma M. MCCULLOUGH, Estate
prop.erty Address: 31 Ridgeway Drive
City: Carlisle
I Lender: Irwin & McKnight
File No.: 05-0706
Case No.:
_.._-_.__.__._---.__._-~-----------_._--~-~-_._--~-~-~-~-
State: PA
_..._._--------,.~------~_._------
Zip: 17013
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Appraised Date: November 29,2005
Appraised Value: $
FRONT VIEW OF
SUBJECT PROPERTY
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Borrower: Thelma M. MCCULLOUGH, Estate
Prop.erty Address: 31 Ridgeway Drive
City: Carlisle
Lender: Irwin & McKni ht
____ File No.: 05-0706
Case No.:
State: PA . ZirJ: 17013
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Borrower: Thelma M. MCCULLOUGH, Estat~
Prop'erty Address: 31 Ridgeway Driye
City: Carlisle
Lender: Irwin & McKni ht
File No.: 05-0106
-----
Case No.:
State: PA Zip: 17013
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COMPARABLE SALE #1
27 Greenfield Drive
Carlisle
Sale Date: 6105
Sale Price: $ 155,000
COMPARABLE SALE #2
9 Wexford Court
Carlisle
Sale Date: 5/05
Sale Price: $ 149,900
COMPARABLE SALE #3
45 Greenfield Drive
Carlisle
Sale Date: 11/04
Sale Price: $ 149,900
Borrower: Thelma M. MCCULLOUGH, Estate
Property Address: 31 Ridgeway Drive
City: Carlisle
Lender: Irwin & McKni ht
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LOCATION MAP
File No.: 05-0706
Case No.:
State: PA
Zip: 17013
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MARSK OR
MAP(C)1984-2004 TELE ATLAS NA. INC ISCale: 1.00 mi 1 esl
Prepared by Steven VV Barrett R.E. Appr Svc. (717) 243-6646
ID Address Date Price RM BR Bath S Ft Proximit
S 31 RIDGEWAY DR N/A H/A 4 2 2 1184 0.00 NI
1 27 GREENFIELD DR 6/05 155000 5 2 2 1237 0.07 HI tUlE
2 9 WEXFORD CT 5/05 149900 4 2 2 1196 0.02 HI ENE
3 4S GREEUFIELD DR 11/04 149900 5 :2 :2 1212 0.06 HI NNW
i
1__ ___.____~...~_
---_._---_._----~~~-_._-_..,~._-~-------~~--~._------
File No 05-0706
********* QUALIFICATIONS *********
The following checked items are SPECIFIC SPECIAL CONDITIONS that were identified by this appraiser during the
inspection of the subject property, the com parables sales, and their neighborhoods and locations. Unless otherwise
noted, the conditions that apply to the subject property or the comparable sales used DO NOT AFFECT THE MARKET
VALUE OR THE FUTURE MARKETABILITY OF THE SUBJECT PROPERTY BEING APPRAISED. This is not a home
inspection service. This is an appraisal to estimate market value.
_1. The subject is located in a rural area and is less than 25% built-up.
_x_2. Commercial/Industrial uses are located within the subject's neighborhood. These uses are typical of similar
neighborhoods.
_x_3. Vacant and undeveloped land uses are located within the subject's neighborhood. These uses are typical for
the area.
_4. The predominant value in the neighborhood is less than that of the market value of the subject property. This
is due to the very wide range of value of properties in the area and superior quality of the subject property.
_5. The subject property is located in a F.E.M.A. Identified Flood Zone. Flood insurance coverage is required and
suggested.
_6. Dampness is noted in the basement of the subject. Standing or running water was not present on basement
floor. This condition is considered typical in dwellings of this style.
_7. The subject property is serviced by private well and/or septic systems which is common for the area.
_x_8. The subject is older than five(5) years. All mechanical systems including the heating, electrical and plumbing
systems appear upon a visual exterior inspection to be in working order. No warranties are implied in this statement.
_9. Repair items were noted in the comments section of the report. These comments on repair items are for
descriptive purposes only and are not required repairs. The items listed are cosmetic in nature.
10. The basement floor is a dirt floor. This condition is common and typical for the area. and does not pose a
health or safety hazard.
_11. The subject property does contain functional obsolescence as noted in the report. This condition is
considered typical and common for the area and this style dwelling.
_12. The land value exceeds 30% of total value due to the high demand for vacant land in this neighborhood. This
condition is considered common and typical for the neighborhood.
13. The land value exceeds 30% of total value. This is due to the large size of the site. This condition is
considered to be typical and common.
_14. Individual adjustments were required that exceed 15%. These adjustments were required due to lack of more
similar com parables on that individual rating. All com parables used are the best available.
_15. Total adjustments exceed 25%. This is due to the lack of comparable sales that were more similar in the
subject's market area. All com parables used are the best available.
_x_16. One or more comparable sales are older than six(6) months. Although there are comparable properties in the
subject's area, none have sold recently; therefore, sales in excess of six(6) months have to be used. All comparables
used are the best available.
_17. One or more com parables used were in excess of one (1) mile from the subject property. Although there are
comparable properties in the immediate area, none have sold recently. Therefore, it was necessary to use comparable
sales outside of the immediate area. All com parables used are located in similar neighborhoods and within the same
marketing area. All comparables used are the best available.
_18. The electrical system was not connected during inspection.
_19. The water service was not connected during inspection.
_20. The heating system was shut down during inspection.
_21. Roofing_Plumbing_Electrical_Heating_certification(s) is/are suggested.
22. Inground swimming pool_, out buildings_are included_,not included_according to lender's
guidelines.
_23. According to lender's guidelines a maximum of_acres were considered for this valuation. Remaining I
ac'eage was g;ven no value. J
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File No 05-0706
********* QUAL/FICA TIONS *********
_24. The subject property is located on a private road.
_25. Wood infestation inspection is suggested.
_x_26. Last recorded deed transfer: Date_ 4/29/1994_. Consideration: $105,900
_27. Proposed construction/renovation in accordance to plans and specifications to be completed in a workman-like
manner.
_28. Seller is paying part or all of closing costs.
_x_29. All comparable sales are verified closed sales.
_x_30. There are no special conditions or other requirements that would affect market value or future marketability in
the Appraisal Report.
CHECKED ITEMS ARE SPECIFIC SPECIAL CONDITIONS THAT WERE IDENTIFIED BY THIS APPRAISER DURING
INSPECTION.
. . ~ -~~~._---~.._~~.~__~_J
File No. 05-0706
DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market
under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not
affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from
seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised,
and each acting in what he considers his own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment
is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal
consideration for the property sold unaffected by special or creative financing or sales concessions' granted by anyone associated with the
sale.
· Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for
those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable since the
seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property
by comparisons to financing terms offered by a third party institutional lender that is not already involved in the property or transaction. Any
adjustment should not be calculated on a mechanical dollar for dollar cost of the financing or concession but the dollar amount of any
adjustment should approximate the market's reaction to the financing or concessions based on the Appraiser's judgment.
STATEMENT OF LIMITING CONDITIONS AND APPRAISER'S CERTIFICATION
CONTINGENT AND LIMITING CONDITIONS: The appraiser's certification that appears in the appraisal report is subject to the
following conditions:
1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The
appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised
on the basis of it being under responsible ownership.
2. The appraiser has provided a sketch in the appraisal report to show approximate dimensions of the improvements and the sketch is
included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size.
3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data
sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the
appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination.
4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific
arrangements to do so have been made beforehand.
5. The appraiser has estimated the value of the land in the cost approach at its highest and best use and the improvements at their
contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and
are invalid if they are so used.
6. The appraiser has noted in the appraisal report any adverse conditions (such as, needed repairs, depreciation, the presence of hazardous
wastes, toxic substances, etc. ) observed during the inspection of the subject property or that he or she became aware of during the normal
research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden
or unapparent conditions of the property or adverse environmental conditions (including the presence of hazardous wastes, toxic
substances, etc. ) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no
guarantees or warranties, express or implied, regarding the condition of the property. The appraiser will not be responsible for any such
conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the
appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment
of the property.
7. The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that he or she
considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such
items that were furnished by other parties.
8. The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional
Appraisal Practice.
9. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory completion,
repairs, or alterations on the assumption that completion of the improvements will be performed in a workmanlike manner.
10. The appraiser must provide his or her prior written consent before the lender/client specified in the appraisal report can distribute the
appraisal report (including conclusions about the property value, the appraiser's identity and professional designations, and references to
any professional appraisal organizations or the firm with which the appraiser is associated) to anyone other than the borrower; the
mortgagee or its successors and assigns; the mortgage insurer; consultants; professional appraisal organizations; any state or federally
approved financial institution; or any department, agency, or instrumentality of the United States or any state or the District of Columbia;
except that the lender/client may distribute the property description section of the report only to data collection or reporting service(s)
without having to obtain the appraiser's prior written consent. The appraiser's written consent and approval must also be obtained before
the appraisal can be conveyed by anyone to the public through advertising, public relations, news, sales, or other media.
Freddie Mac Form 439 6-93
Page 1 of 2
Fannie Mae Form 1004B 6-93
File No. 05-0706
APPRAISERS CERTIFICATION: The Appraiser certifies and agrees that:
1. I have researched the subject market area and have selected a minimum of three recent sales of properties most similar and proximate
to the subject property for consideration in the sales comparison analysis and have made a dollar adjustment when appropriate to reflect the
market reaction to those items of significant variation. If a significant item in a comparable property is superior to , or more favorable than,
the subject property, I have made a negative adjustment to reduce the adjusted sales price of the comparable and, if a significant item in a
comparable property is inferior to, or less favorable than the subject property, I have made a positive adjustment to increase the adjusted
sales price of the comparable.
2. I have taken into consideration the factors that have an impact on value in my development of the estimate of market value in the
appraisal report. I have not knowingly withheld any significant information from the appraisal report and I believe, to the best of my
knowledge, that all statements and information in the appraisal report are true and correct.
3. I stated in the appraisal report only my own personal, unbiased, and professional analysis, opinions, and conclusions, which are subject
only to the contingent and limiting conditions specified in this form.
4. I have no present or prospective interest in the property that is the subject to this report, and I have no present or prospective personal
interest or bias with respect to the participants in the transaction. I did not base, either partially or completely, my analysis and/or the
estimate of market value in the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the
prospective owners or occupants of the subject property or of the present owners or occupants of the properties in the vicinity of the
subject property.
5. I have no present or contemplated future interest in the subject property, and neither my current or future employment nor my
compensation for performing this appraisal is contingent on the appraised value of the property.
6. I was not required to report a predetermined value or direction in value that favors the cause of the client or any related party,
the amount of the value estimate, the attainment of a specific result, or the occurrence of a subsequent event in order to receive my
compensation and/or employment for performing the appraisal. I did not base the appraisal report on a requested minimum valuation, a
specific valuation, or the need to approve a specific mortgage loan.
7. I performed this appraisal in conformity with the Uniform Standards of Professional Appraisal Practice that were adopted and
promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place as of the effective date of this appraisal,
with the exception of the departure provision of those Standards, which does not apply. I acknowledge that an estimate of a reasonable
time for exposure in the open market is a condition in the definition of market value and the estimate I developed is consistent with the
marketing time noted in the neighborhood section of this report, unless I have otherwise stated in the reconciliation section.
8. I have personally inspected the interior and exterior areas of the subject property and the exterior of all properties listed as comparables
in the appraisal report. I further certify that I have noted any apparent or known adverse conditions in the subject improvements, on the
subject site, or on any site within the immediate vicinity of the subject property of which I am aware and have made adjustments for these
adverse conditions in my analysis of the property value to the extent that I had market evidence to support them. I have also commented
about the effect of the adverse conditions on the marketability of the subject property.
9. I personally prepared all conclusions and opinions about the real estate that were set forth in the appraisal report. If I relied on
significant professional assistance from any individual or individuals in the performance of the appraisal or the preparation of the appraisal
report, I have named such individual(s) and disclosed the specific tasks performed by them in the reconciliation section of this appraisal
report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a change to any item in
the report; therefore, if an unauthorized change is made to the appraisal report, I will take no responsibility for it.
SUPERVISORY APPRAISER'S C.ERTIFICATION: If a supervisory appraiser signed the appraisal report, he or she certifies
and agrees that: I directly supervise the appraiser who prepared the appraisal report, have reviewed the appraisal report, agree with the
statements and conclusions of the appraiser, agree to be bound by the appraiser's certifications numbered 4 through 7 above, and am taking
full responsibility for the appraisal and the appraisal report.
ADDRESS OF PROPERTY APPRAISED: 31 Ridgeway Drive, Carlisle, PA 17013
APPRAISER:
SUPERVISORY APPRAISER (only if required)
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Signature: /1 ;".t.,;'1';0/f A..
Name: Cassandra J. Crockett,
Date Signed: 12/02/2005
State Certification #: RL-001348-L
or State License #:
State: PA
Expiration Date of Certification or License: June 30, 2007
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Signature:
Name: Steven W. Barrett, SRPA, SRA
Date Signed: 12/02/2005
State Certification #: GA-000298-L
or State License #: RB-026921-A
State: PA
Expiration Date of Certification or License: June 30, 2007
o Did 00 Did Not Inspect Property
Certified Residential Appraiser
Freddie Mac Form 439 6-93
Certified General Appraiser
Page 2 of 2
Fannie Mae Form 100486-93
.'
LF.GG
MASON
Legg Mason Wood Walker, Incorporated
419 Stonehedge Drive, Suite I, Carlisle, fA 17013.9128
,7J 7 ~ 25B -4363
r\-'k!mber New York Srock E,~trar;[;e, //l(, ~.-IHmt;ar SJPC
,
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November 18, 2005
Marcus A. McKnight
Irwin & McKnight
60 West Pomfret Street
Carlisle, PA 17013-3222
RE: Estate of Thelma M. McCullough
Dear Marcus,
Enclosed is an estate valuation for Thelma M. McCullough. Her account was
opened on 10/14/1992. There were no changes in ownership within the last year and this
is the only account she had with us. Please contact us when the executor wishes to open
the estate account.
Sincerely,
~)~
David K. Metz
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SCUDDER
INVESTMENTS
>------->
Scudder Djqributors, Inc.
222 SD. Riverside Plaza
Chicago, IL (,O(,O(,-SHOH
PelOne: l-HIlO-621-104H
www.scudder.com
December 29,2005
Law Offices of Irwin & McKnight
Attention: Marcus A. McKnight III
West Pomfret Professional Building
60 West Pomfret Street
Carlisle, P A 17013-3222
Dear Mr. McKnight:
Thank you for your letter regarding Scudder Managed Municipal Bond Fund-Class A account number
97771711, registered to Thelma M. McCullough. Please accept our condolences for Ms. McCullough's
passmg.
Our records indicate that Ms. McCullough's sole investment with our firm is in a non-IRA individual
mutual fund account registered in her name. It was opened on July 8, 1981, and has been registered solely
in her name since its inception.
In accordance with your request, I have provided below the number of shares, share price, and dollar value
of this account as of November 7, 2005.
Number of Shares Share Price Dollar Value
2,231.428 $9.03 $20,149.79
The total of dividends accrued for this account as of November 7, 2005 was $31.98.
Additionally, I have enclosed the instructions and forms that you should use to transfer or redeem the
proceeds of this account as executor of Ms. McCullough's estate. Please note that the State of
Pennsylvania does not require an Inheritance Tax Waiver for this account.
It may also be helpful for you to indicate in a separate letter of instruction that all outstanding dividend
checks should be deposited into this account's proceeds before they are transferred or redeemed.
Our records indicate that three outstanding share certificates exist for this account. They were issued in the
amount of 1,058.000, 4.000, and 952.000 shares during the period of September 3, 1981 through March
31, 1992 . To transfer or redeem the proceeds of this account, you will need to return these certificates to us
in addition the above documentation. Please note that each of these certificates was issued from Kemper
Municipal Bond Fund-Class A, which is now known as Scudder Managed Municipal Bond Fund-Class A.
.~~;'1:",o;;~;l.~\',l~~~ ~_
em'
Citicorp lnvllstment Services
100 Citibank Drive
San Anronio, TX 78245
December 23, 2005
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Marcus A. McKnight, III
Irwin & McKnight Law Offices
West Pomfret Professional Building
60 West Pomfret Street
Carlisle, PA 17013-3222
Dear Mr. McKnight,
We received your written correse~ dated December 15,2005 regarding the Estate of Thelma M.
McCullough and her ownership f 154 s ares of Citigroup Inc. stock. We thank you for taking time to
contact us with this issue. Please at it is our goal to provide the very best in customer service to
our clients at all times.
In order to liquidate the Citigroup shares, a brokerage estate account must exist for your client. Our
research indicates that no Citicorp Investment Services (CIS) brokerage accounts exist for Thelma M.
~JlcCullough relative to her social security number.
The opening of a new estate account is required to serve as the depository for the Citigroup Inc. stock.
Once the assets have been deposited to the new estate account, having you as a signer, the estate can
be liquidated and proceeds transferred as directed.
Enclosures: CIS Estate Account Application, Client Disclosure and Acknowledgement form, Affidavit of
Domicile for the Citigroup Inc. stock, Irrevocable Stock/Bond Power form and Estate Account
Indemnification Template.
Please complete all fields, as an incomplete application will delay the account opening process. In
addition to said documents, please include a certified copy of the Death Certificate, Letters of
Testamentary/Estate Documents and Mrs. McCullough's original Citigroup Inc. stock certificate for 154
shares.
Please return all requested documents in the self-addressed envelope along with your information
requests as stated in your initial correspondence.
Thank you in advance for your patience and understanding as we address this matter.
at', - ~
Adam Gonzales, Jr.
CIS Client Services
Securities transactions are through Citicorp Investment Services ("CIS"), member NASD/SIPC and an affiliate of Citibank.
Citicorp Data Systems Incorporated performs customer account services for its various bank affiliates.
Investment and insurance products arc not bank deposils. arc not insured by the FDIC or any federal government agcncy. are I~l
obligations of or guaranteed by Citibank or Citicorp Investment Services and arc subject to investment risks. including po, ,. 'f\.
loss of the principal amount invested. .
",,,IDe,
A member of c;lt"Jrou~;':"'
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Eaton Vance Group of Funds
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Providence, RI 02904-9653
(800) 262-1122
(508) 871-4971
J. anuaJ~ 2.<k 200~ . ....
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~~~ u.
JAN 27 2006
LAW OFFICES
IRWIN & MCKNIGHT
ATTN MARCUS A MCKNIGHT III
WEST POMFRET PROFESSIONAL BUILDING
60 WEST POMFRET STREET
CARLISLE PA 17013-3222
\ .~ ,;-:'" .~. : (~ r-lrl~
';.' ';, ( ;i;. ..,.., .!-_ ...,; 1 _ '\........ ,#,. ...._~_
RE:
ACCOUNT #:
REGISTRATION:
REFERENCE #:
EATON VANCE NATIONAL MUNICIPALS FUND CLASS A
501-0080110270
THELMA M MCCULLOUGH
9545896350
Dear Attorney McKnight:
We are writing in regard to your recent correspondence.
As of the close of business on November 7,2005, the above referenced account was valued at
$57,423.10. This value is based on a balance of 5, 159.308 shares at the Net Asset Value (NA V)
price of $11.13 per share. As changing market conditions may cause the NA V price to fluctuate
on a daily basis, the account value is subject to change.
The above referenced account was established on April 8, 2004, and has not had any changes in
ownership. This account is the only account in our records under Ms. McCullough's Social
Security Number.
Please see the enclosed 2005 year-end account statement for details regarding interest accrued in
the account for the calendar year.
We hope this information is helpful. If you have any further questions or require additional
assistance, please contact one of our Investor Services Associates toll-free at 1-800-262-1122.
Our associates are available Monday through Friday 8 a.m. to 8 p.m., Eastern Time.
Sincerely,
, Chv\hu~-
. Cantwell
stor Services Specialist
Ene.
MUR: Historical Prices for MURPHY OIL CP HLDG - Yahoo! Finance
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1'80-!
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SET DATE RANGE
Start Date: Nav
7
2005
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2003
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Monthly
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End Date: Nav
7
2005
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First I Prey I Next I Last
PRICES
Date Open High Low Close Volume Adj
Close*
7 -Nov-05 47.86 47.86 46.33 46.74 1,651,300 46.63
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SET DATE RANGE
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7
7
2005
( Get Prices
First I Prev I Next I Last
PRICES
Date
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M&T Securities, Inc.
2875 Union Road, Suite 30-33, Cheektowaga, NY 14227
800 724 7788
February 14,2006
Date of death valuation
Irwin & McKnight
60 West Pomfret Street
Carlisle, P A 17013
Re: Account # AZD-034593 n/o Thelma M. McCullough
Account opening date 04/24/2003
Date of Valuation- 11/05/2005
Description of Security Quantity Valuation on Price per share
DOD 11/4/2005 &
11/7/2005
Allied Irish Banks PLC 3,900.00 $41.24/40.51/40.83
Sponsored ADRS $40.98/40.61/40.80
Franklin Income Fund CL 22,949.327 $2.40
A $2.39
Franklin U.S. Govt CL A 8,967.553 $6.43
$6.44
Franklin Federal Tax Free 4,630.308 $11.96
Income Fund CL A $11.96
Franklin Strategic Income 5,948.707 $9.99
Fund CL A $9.99
Franklin High- Yield 5,182.678 $10.62
Income Fund CI A $10.62
-. $10.32
Franklin Penn Tax Free 5,359.057
Income Fund CL A $10.32
We have received the information presented above from sources that we believe to be
accurate. However, we do not guarantee their accuracy. The price per share on valuation
date is the closing price on that date.
Prepared by:
/~ II UP ~
I ~~~101 &ft~v;~/
Tammy C~sella
M&T Securities Inc
Investments: . P.,re Not FDIC-Insured' Have No Bank Guarantee' May Lose Value
M&T Securities, Inc, Member ~IASO!SIPC
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499 Mitchell Street, Millsboro, DE 19966
November 21, 2005
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Law Offices
Irwin & McKnight
West Pomfret Professional Building
60 West Pomfret Street
Carlisle, PA 17013-3222
RE: Estate of Thebna McCullough
Date of Death: November 7, 2005
Social Security Number: 168-36-3220
Dear Mr. McKnight:
In response to your request, please be advised that at the time of death, the above-
named decedent had on deposit with this bank the following account.
1. Account Type........................... Certificate of Deposit
Account Number,........,............. 31003908164137
Ownership (Names oj).........,.... Thelma M. McCullough
Opening Date. ,., . .. ... . .. . .. . .. . .. . .. . .06/ 13/01
Year to Date Interest................ .$372.50
Balance on Date of Death......... .$25,000.00
Accrued Interest
$
78.78
TotaL.................................... ..$25,078. 78
2. Account Type..... ...................... Certificate of Deposit
Account Number........... ............ 31003910374245
Ownership (Names oj).............. Thelma M. McCullough
Opening Date.......................... .08/14/99
Year to Date Interest................ .$272.70
Balance on Date ofDeath..........$17,61O.32
Accrued Interest
$ 150.92
TotaL.................. ................ ....$17,761.24
.
"
~
. Page 2
November 21,2005
3. Account Type........................... Certificate of Deposit
Account Number....................... 31003910503422
Ownership (Names of}.............. Thelma M. McCullough
Opening Date. . .. . .. ... . .. . .. . .. . .. . .. . . 10/25/99
Year to Date Interest............. ....$317.58
Balance on Date oj Death....... ..$16,000.00
Accrued Interest $ 27.50
Total................................... ....$16,027.50
4. Account Type........................... Certificate of Deposit
Account Number..... ...... ...... .. .... 31003910765535
Ownership (Names of}.............. Thelma M. McCullough
Opening Date.......................... .03/29/00
Year to Date Interest.............. ...$345.70
Balance on Date ojDeath..........$18,000.00
Accrued Interest $ 43.10
Total. .......... ........ ... ... ....... ... ....$18,043.10
5. Account Type........................... Certificate of Deposit
Account Number....................... 31003912279005
Ownership (Names of}.............. Thelma M. McCullough
Opening Date. '" . .. ... . .. . .. . . . . ... .. . .06/ 13/01
Year to Date Interest.............. ...$455.53
Balance on Date ojDeath.........$25,000.00
Accrued Interest $ 96.32
Total................................... ....$25,096.32
. Page 3
November 21 , 2005
6. Account Type.................. .. .... ... Certificate of Deposit
Account Number............. .......... 3100391302853
Ownership (Names oj). .... ... ...... Thelma M. McCullough
Opening Date. . ........ ... . " . '" " . .. . .11 /01/05
Year to Date Interest................ .$0.00
Balance on Date ofDeath.........$25,000.00
Accrued Interest $ 25.95
Total.........:............................ .$25,025.95
7. Account Type. ... . .... .. '" . .. . .. . .. .... Certificate of Deposit
Account Number....................... 31003913025861
Ownership (Names oj)........ ...... Thelma M. McCullough
Opening Date....... '" '" ......... .... .11/01/05
Year to Date Interest................ .$0.00
Balance on Date ofDeath.........$25,000.00
Accrued Interest $ 25.95
Total........ ........... .......... '" ... ....$25,025.95
8. Account Type.... ....... ................ Certificate of Deposit
Account Number.............. ......... 31003913795480
Ownership (Names oj)........ ...... Thelma M. McCullough
Opening Date.......................... .07/05/00
Year to Date Interest................ .$321.18
Balance on Date of Death........ .$18,000.00
Accrued Interest $ 77.30
Total................................... ....$18,077.30
--
. Page 4
November 21,2005
9. Account Type.. ... ... ... .... .. . .. . .. . ... Certificate of Deposit
Account Number....................... 31003913795563
Ownership (Names of). ............. Thelma M. McCullough
Opening Date. ............ .... ..... .... .10/02/00
Year to Date Interest........... ... ...$744.04
Balance on Date of Death....... ..$40,004.96
Accrued Interest $ 187.22
Total................. .................. ....$40, 192.18
10. Account Type.... ....................... Certificate of Deposit
Account Number....................... 31003914492762
Ownership (Names of).............. Thelma M. McCullough
Opening Date. . .. . .. ... . .. . .. . .. . .. . .. . .03/04/96
Year to Date Interest............... ..$305.27
Balance on Date of Death. .........$15,000.00
Accrued Interest $ 8.78
Total................................... ....$15,008.78
11. Account Type........................... Certificate of Deposit
Account Number....................... 31003914583397
Ownership (Names of).... .......... Thelma M. McCullough
Opening Date....... ... ............ .....10/ 14/97
Year to Date Interest.. ........ .... ...$362.37
Balance on Date of Death........ ..$25,000.00
Accrued Interest $ 193.61
Total...................................... .$25, 193.61
-
. Page 5
November 21,2005
12. Account Type............... ...... ...... Certificate of Deposit
Account Number. . " .... .. . .. . .. . " . '" 31003914583404
Ownership (Names oj}.............. Thelma M. McCullough
Opening Date. .... ..................... .10/14/97
Year to Date Interest. . .. . .. .. .. .. . . .. $648. 12
Balance on Date of Death........ .$25,138.99
Accrued Interest $ 47.83
Total....... ....... ................... .......$25, 186.82
13. Account Type.... ....................... Certificate of Deposit
Account Number........... ...... ...... 31003914583412
Ownership (Names of}........,..... Thelma M. McCullough
Opening Date. . " . .. . .. . " . . . . .. . .. . " . . 10/ 14/97
Year to Date Interest. .. . .. .. .. .. .. .. . $418.39
Balance on Date of Death....... ..$25,000.00
Accrued Interest $ 117.39
Total................................ .......$25, 117.39
14. Account Type..... ....... ......... ...... Checking Account
Account Number....................... 439576
Ownership (Names oj}.............. Thelma M. McCullough
Opening Date.. ........................ .09/01/67
Year to Date Interest.............. ...$142.58
Balance on Date of Death....... ..$76,439.17
Accrued Interest $ 0.84
Total................... ...... ...... ........$76,439.17
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..
. Page 6
November 21, 2005
The above named decedent did not have a safe deposit box.
For any additional information on the above accounts, including ownership and
closures, please contact our High Street Carlisle branch at 717-240-4536.
Sincerely,
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Charlene Warrington, Records Management
1-888-502-4349
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prudential ~ Financial
Audrey Nazulme
Vice President, Annuity Services
,
The Prudential Insurance Company of America
A Prudential Financial company
Annuity Services
P.O. Box 7960
Philadelphia, PA 19176
(888) 778-2888
www.prudential.com
LAW OFFICES OF IRWIN MCKNIGHT
WEST POMFRET PROFESSIONAL BLDG
60 WEST POMFRET STREET
CARLISLE PA 17013-3222
Owner: THELMA M MCCULLOUGH
ANNUITANT: THELMA M
MCCULLOUGH
Contract Number: DOS426494-A
Dear LAW OFFICES OF IRWIN MCKNIGHT,
December 30, 2005
Thank you for notifying us of THELMA.M MCCULLOUGH's death. Please accept our sincere
condolences for your loss. Our goal is to make the processing of your request for benefits as
prompt and convenient for you as possible.
According to the terms of this contract, the remaining benefits are payable as a lump sum
payment in the amount of $3049.82.
We would appreciate your help in obtaining the following information:
· Claiming Insurance Benefits form
· A certified copy of the death certificate
· The Contract or Claim Settlement Certificate (if it is available)
We have enclosed a reply envelope for your convenience in returning these forms. Once we
receive them, we can start the claim process.
t;;;J o,;;;;cf' .~..'" .~ .,~
Registered Representative
American Skandia Mari<etilg, 100
A Prudential Filancial company
One Corporate Drive
Shelton. CT 06484-0083
(AMl A"'Ll::n~O