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Home My WebLink About96-02815 t . ( .) ~ ~ 1 It r ~ I ! , ':i " ,I, 1 r/1i\; 'i';l !' , I, , " " , i I I I I \, " """-" ""', I' I I , i ~" ( ! L (J! , ,., I I .. - . . . ') I - ~ I I I , , , I , .- . .- -.-- -:~..:!!_~~~_':I!C'_.:..~_~._~-.~ '...x:-ac>lll<*<>lII<=-:'_... -.,..~ ~ . . . . . . 8 . 8 . . 8 . . .^ . . . 8 . , - . . 8 . . . . . . : f;;;,/ _ AII..t: '~.ry ~ f=>~ ___',. "u!. Prothonotary . ----. -.... .'__'.--....,:e- 'lie- .ai, -:c- :.,.....,.~:...__-:-...__~ IN THE COURT OF COMMON PLEAS . . . . . . . . . . . . . ~ . : . . ('l . . ~ . . - . . . . . 8 . . OF CUMBERLAND COUNTY STATE OF .. PENNSYLVANIA ETHEL L. NF:WrWl, No. ,..~~J~.., 1996 Plaintiff VerSlI:i TERRY L, NEWMAN, i , , ,I rbfendant DECREE IN DIVORCE AND NOW, .,...", ,-;L?~,~" ~~<" 19~~..", it is ordered and decreed that ,,~,lEL,~: ,~':-T:W:J".."""",.."..,..,........., plaintiff, and, , , , ';l'I':~):" /..'" f'lr:.~, , , , , , , , , . . . . , , , , , ' , , , . . , , , , , , , , , , , , , .. defendant, are divorced from the bonds of matrimony. The court retains jurisdiction of the following claims which have been raised of record in this action for which a final order has not yet been entered; None. .....,...........,.......... ..... ..., .....,',.,.....,.,...,........ ....... J. " ~, ..,.. " .. I,:J'~J (~..;,l,3 . /J z;..i -# ~1'....l6'? (~... ",.....t.., ~7' ;;- ,/," .J/ ' ,1"..I,.k'.l-"-<~' ..t~?9 .r<.l~~~ t2v./ ~ 'W (../' r. /(':"?It:~ ': 'j' I, , , , I " ,! , " i , . , , ';1 \.' " , , ,I, I, " , " " " ~ ~ ;" ~ ..: ~ ,. '" t ~ .. ~ ~ .: ; ~ ~ , of. - >- t " ... E- I. ~ .-: ~ " ~ , :; I. :; ! ~ ~ ~ i= " " t I, ;.. I, ~ ;: , I, :.l " ~ , >- t- , ~ , .. - ~ ," " , ~ " < I. -: " " ~ 7. ~ ~ " ~ :I: ,. , . .,. . , .',' . l 111';".'1.1';\,,'1.; :\J.\IlPl';~ .\"1''1'1)1:",,\ ~ \'1' ,.,\\\ II \ lOll"'"'' "'" "I':'-"I~\"'.);\jl',\ 17101'(-11111:-4 pension (IRA) plan to wife, Wife shall receive the foods in a deferred plan and should she choose to utilize any of the funds, she shtlll be responsible for paying all taxes and penalties for the withdrawal of the funds prior to her retirement age. 5. Husband shall be entitled to retain as his sole and separate property the monies he received from the sale of Delphi Films in the amount of $473.00, 6, The parties will sign all necessary documents necessary to transfer ownership of wife's interest in the pension (IRA) plan to wife and any documents required to release wife's interest in the remaining marital portion of the pension (IRA) plan which will be retained by husband, 7. Wife's claim for cowlsel fees and expenses is denied, BY TIlE COURT: J. , , I", , I d,~ , I', .i',' ,j" ':,~, ilr Jh, "Ii,\ ,,;',:":;1' \ III J! IL ',v II . ,;a ",d'.;.':,,',',;f I' .," , " r',rv '11,lj :i, r ,.... " , ,. "'", i., :]: It2 I, .;',', 'j' " /~"... 1...;..6t /~.v'.cr,?"'.. I. " , I , " ,.' J" , ,I", II' ,; :1, " , , '" " " .'!I, I I \,",' ';\" ~'ll, ' I ' " I q I it 'II.' 'I '.. ',I':::I'i! ) II "'0' I ,'iI,''"'!; , ,I "j, "AI':"';,;',, ,)I'>'t'" ,'-: ',JI I'd, \1 I"""l/: 'fIJi''':';I,'I!,_,; , i, ';';\It'l ' 'II ,'I, I ,.1, .'I,':.j'!.f ;" II' 'J',', I,' I ':it!} ,I' r ') i, , I d', / \, ,.'//I,flljit1i j' II, ,'I, f 't ,j I' \ J jl, ll'\~~l I .,', " \ ~ J .. ,,"', I,. " I' ~ 1 " l" 'j" ,1 \ I ~',11 t' 1j '/ t ,-' ~ I ,I I, .~J c,!) , ~" 1, rll '/ ",111, '", I "I' 01/ I ,I' j ,li II III I ~', -I);"., \,,-!,\ .~~I:~iJl,r, ~~~lhJd I(':;!, -JI ',.1 1\ ::l{t: I" ,~~, , '"1,,, I . . ~t, I I \~ 1"'/" 'j \, ,;,1 (tl".", i !\'fl:i~' ../. I' d't lh'1P\/~~JtOi/:J, ,i'.~} ':\.'/':\'f~)Mii ~ '1,1., 1 I' '" I'll "Ill"! '\f . L, I'" /, I LI'II"[ 1"11'" ) ': , ",11\,'/(1 l{t,,-liJ(l~JHI"'/ I~' ~ r 1'1" 1, "1'1 ~~ t\:;'{":"tIJ-:~'I~~I"t' I ',', J :,/:\1, ,\ "~I~!r J~ i ,', , '.';"~' :r.'rij~il\',\Ud(" , "" ",1. jl'(, \ !PL.'t!' ' " 'J If. l'!~" j~1"iIH1},1' 'I,' 'J I\"ll!lt.f 'I ' 1 ~, . \ L . ~!, I' 1]/ fl J;-" . 'J " " i'H.! .':~, l '\r,~fr- ,I /,', " II' ,"I' I!,' , , " '''i .. ,/:\~ II, I " " , "I'!, 01' 'I t , ' ..., l. ~ . . ... :1<I"h I.L' ..'-:, :\1.\ '.1 II';''\; ~ . \ I I' I J I'" I' ,~... \ I I. \ \\ II \ III! I ~,\, III.. I 'I '41 , " , I \ _, ... I , I '7 111-" I' I~ I~ ~ g if. ~ ~ ~ ,. C ~ ~ ~ ~ ... ~ .. ; C or, . ~ ~ ... " .. I. - ... ~ : ~ ..-: ~ ~ < 'I. - , - ~ ~ " ~ I. ~ , e I, ~ I ~ , ~ ~ ~ ~ " i' , - ~ i. , ;c ~ . , " " ~ -: " \I.l 7. ~ " " ~ - - . . ~ M ~ ~- .. -'~;gj ~~S? - ~t: ~~~ ,,( , ...~ ~Il u.. ,....,-..., '5c: ,.:;:: OX> 51 6/ T ~.Jl ' <"'J II,J Le,. :=> mp.; 1,1 0(:( -: 'I. m :J (J <n U , ' , , '" ,) , .. ," i\ Ii I " " : II , , .... ~l ,- ,I ro>' f..- ',' ., i' ,. 1 " " . " " " , " , :fi /'-' ,.-. ~ r: ",..1 ')';..1 C.r:" . '>~ (1\ \';,.) , "I 1:< 1.1,1' 'i 1:~,1 , ~Il\ .., " i'JI1... i -, , II.. m :J (J U' 0 " , " 'Ii, I' " " :' , , " , ,'1\ , , 11\ , , , I , ~ C") E;; - ~,l .. 3<(. I~~! - ( rd ~)" :c ~)~( ., , l..~' "- (.l~ ( )(' .~. 5' GO ttJ' . ;;S~ ., - iii, ' ~1 :il~ ", -- \.' ex d L'. en tJ C'\ ,"I , " .. :' I' '/ ,. " " '. , ':>1 ',I" ,l.i ,ilt" 'I f' I ,I,' , ' , ,~, I '.1 " , , _... 1 v, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 96-2815 CIVIL ACTION - LAW ETHEL L. NEWMAN, Plaintiff TERRY L. NEWMAN, Defendant IN DIVORCE WAIVER OF NQIICF. OF INTENTION TO REQUESI,ENTRY OF A DIVORCE DECREE UNDER S3301(C) OF THE DIVORCE CODE I. I consent to the entry of a final decree of divorce without notice, 2. I understand that I may lose rights conceming alimony, division of property, lawyer's fees or expenses if I do not claim them before a divorce is granted, 3, I understand that I will not be divorced unti\ a divorce decree is entered by the Court ana that a copy of the decree will be sent to me immediately aner it is filed with the Prothonotary, I verify thatthc statements made in this Affidavit are true and corrcct, I understand that false statements herein are made subject to the pcnalties of 18 Pa, C.S. S49lJ4 relating to unsworn falsification to authorities, Date:~ zc,~ 1991 r--> " ) Terry L. Ncwm n, Defendant III 1,',1 , , , I 1,",." ,1,-;:' . " ' .','( , 1''' , ' , ' CF.RTIFIC A TF. OF SFR VICE I, Nichole L. Myers, an authorized agent of Martson Deardorff Williams & Otto, hereby certify that a copy of the foregoing Waiver of Notice of Intention to Request Entry of a Divorce Decree Under ~ 3301(C) of the Divorce Cod~ was served this date by depositing same in the Post Office at Carlisle, PA, first class mail, postage prepaid. addressed as follows; Elizabeth S, Beckley, Esquire BECKLEY & MADDEN 212 North Third Street P,O. Box 11998 Harrisburg, PA 17108 MARTSON DEARDORFF WILLIAMS & OTrO By , \1; r:!ttlJ< ,1\ Nichole L. Myers Ten East High Street Carlisle, PA 17013 (717) 243.3341 r li\, I ( I't~_ 1 Dated:. July 29, 1999 , " , ' , . , " , ,,',' " '.1. ' '.. , '- \11 ,( r;' "-. " " .-. :;'-1' 1.-1 , , : .; ~: .':2 (~) < '.7) II) ,: (''': I~--: 1I ,,-:. 1~ , !(lj ". , l:t... ::".l ,.(! LL en J ,. (.) lI' " ",' , " , ' .. , " "' ') iI I.; i,-I , , " ,-1'1 IN THI COURT or COHKON 'LIAS or CUKBIR~D COURTY, PIKNSYLVAHIA CIVIL ACTION - LAW ETHEL L. NEWMAN . , NO, 96-281=, CIVIL TERM vs, ATTORNEY I.D, NO, 63172 TERRY L, NEWMAN IN DIVORCE, A,V,M. ANSWER AND COUNTERCLAIM TO COMPLAINT IN DIVORCE ANSWIR 1. - 8. Pursuant to Pennsylvania Rule of civil Procedure 1920,14(a), the allegations in a Complaint for Divorce are deemed denied, COUNT!lRCLAIM COUNT I No-Fault Divorce 9, The prior paragraphs of this Answer and Counterclaim are incorporated herein by reference thereto, 10, Counterclaim-Plaintiff is Terry L. Newman, who currently resides at 2004 Second Street, Norristown, Montgomery . County, Pennsylvania, 11. Counterclaim-Defendant is Ethel L. Newman, who currently resides at 4180 Kittatinny Drive, Mechanicsbur9, Cumberland County, PA. LAW OfflCli!t OF LAllOV A BERNBAlIM 5Utrt 1111 . PUMOIfTH MnnN(j UU'U11VI:C",\CJ'\J!I 610 WIST ("aMAN"HlWN Plkt Pt....MfY..'TtIMfErl,..c; 'INN"\'I.~ANIA l"otft~_'ff\'1 IIIIOII~\. Hl~ 12, Counterclaim-Plaintiff and Counterclaim-Defendant ~r. sui juris and both parties have resided in the Commonwealth 01 Pennsylvania for a period of more than six months. 13, The parties were married on November 8, 1986, at C.., Hill, Cumberland County, PA, LAW omel!.S OF lA[)(JV.t BERN8^LJM SlJITl 161 . 'Ll'MOl'TH MU:UNri IOUrUTI\l1 ("\lPlJ~ DIU wur I,ifIl.M"NTOW~ Plkr PLYMUl!TJl MfEnNlJ PENN~n\l"!'oJ" 194ft2.ln~<1 (1IIUllll.1J11 encourages parties to a marital dispute to negotiate a settlement of their differences. 22, While no settlement has been reached as of the date of the filing of this Complaint, Counterclaim-Plaintiff is and has always been willing to negotiate a fair and reasonable settlement of all matters with Counterclaim-Defendant. 23, To the extent that a written settlement agreement might be entered into between the parties prior to the time of hearing on this Complaint, Counterclaim-Plaintiff desires that such written agreement be approved by the Court and incorporated in any divorce decree which may be entered dissolving the marriage between the parties, WHEREFORE, if a written agreement is reached between the parties prior to the time of hearing on this C~mplaint, Counterclaim-Plaintiff respectfully requests that, pursuant to ~3104(a) (1) and (3), and ~3323(b) of the Divorce Code, the Court approve such agreement and incorporate it in the final divorce decree which may be entered dissolving the marriage between the parties. Repectfully sumitted: t (f I(Ub OCHELLE B, ~_'" ~ .J N, ESQUIRE " If " ~ " " " CO' f~ ~~.; ~i: ) . , f': ' ,', " ..;.. c.,.:" 'j ~ -.: I ~) F. " \~ .. " , ,> u' . " :i.l .' J.. " , C c...; u , '.,) , , " I'" .\:,)' , , <'!,j '~ " " I;' , , i" I'!, ~, b. ." . llll' (l' n (J" L' t' f , C\ 'II I:. , , z ~ r.l E Q 5 < ~ ~ . z < ~ ~ . ~ ,..l ~ ~ ~.5 ~ c . > ~ i ~ ~ ~ ~ ;; . ' ,... c ~ Z ~ ~ E p. ~ ~ ~. c ' 0 0 ...l ~ ~ z ~ ~ ~< 01 !r, " u ~ r.l iii ~ III < III '\ 104/11I'111.', ~O'"I." '."1"'''' I!lI" .:lH...o.. 0'3.'''''' "'0"h'il"'" II L( '1\ 1.1': Y & 1\-1 ^ I>l>EN \ I nnl."ll.......... '" I.AW ",\liHI"'1I1 lit., j'...:-.....,""YJ.VANJA t710U " ASSETS OF THE PARTIES Plaintiff marks on the list below those items applicable to the case at bat and itemizes the assets on the following pages. .ll. L Real Property .ll. 2. Motor vehicles .ll. 3. Stocks, bonds, securities and options 4. Certificates of deposit .ll. 5, Checking accounts. cash .ll. 6. Savings accounts, money market and savings certificates 7. Contents of safe deposit boxes 8. Trusts .ll. 9. Life insurance policies (indicate face value, cash surrender value and current beneficiaries) 10. Annuities 11. Gifts .ll. 12. Inheritances 13. Patents, copyrights, inventions, royalties 14, Personal property outside the home 15, Business (list all owners, including percentage of ownership, and officer/director positions held by a party with company) 16, Employment termination benefits .- severance pay, worker's compensation claim/award 17. Profit sharing plans .ll. 18. Pension plans (indicate employee contribution and date plan vests) 19. Retirement plans, Individual Retirement Accounts 20, Disability payments 2L Litigation claims (matured and unmatured) 22, MilitaryN.A, benefits 23, Education benefits 24. Debts due, including loans, mortgages held .ll. 25. Household fumishings and personalty (include as a total category and attached itemized list if distribution of such assets is in dispute) .ll. 26, Other (Jewelry) ;., ! Item Description .li...- of Property 1. 805 Butler Dr. Middletown, PA 1. 157 Heron Lane Marmora, NJ 1. 1985 Plymouth PROPERTY TRANSFERRED Date of Transfer 5/26/95 9/1997 3/1996 I. 1996 Mitsubishi 6/98 Eclipse Item Value as of Date .li...- of Transfer I. $220,000,00 1. 40,000.00 1. 1,000.00 I. 17,500.00 Person to Whom Transferred sold sold Value at dRte of RQuisitioll $197,000,00 30,000,00 traded at Sun Motors 14,000.00 for Wife's benefit sold 24,400.00 Wife received proceeds , I 4 , -.,A. ! , ' " ' L./IW O"FICE~ OF 'LADOV fa BERN8AUM D^V1D L. LADOV JOlL .' fJ!IU'BI\lJM MJIT! lei-PLYMOUTH MHTINC lXlcu'rlVIJ C^MPU~ 610 W~'T Cl"MAl'TOWN PIK~ PlYMO~TH MUTING, P!NN5YlVANIA I0462'IO~O IlOCHf.LLl I. C.RO~.sM^N .$TE.VIN 8, ~CH\I.'^I\TZ December 31, 1996 '610> 82&.727:2 f.~ 1"10) 8;2&.737.' ! 'M^IL b.l'l'\b.~m _.al,co,"" Susan E. Lederer, Esquire Jame., Smith & Durkin P.O. Box 650 Hershey, pennsylvania 17033 Re: Newman v. Newman Dear Susan: Enclosed please find a copy of the Answer and counterclaim to Complaint in Divorce which was tiled with the Court on November 20, 1996, I apologize for the delay in forwarding this to you; however, it appears as though the time-stamped copies back to my office were lost in the mail. Very truly yours, S0J.1~ ROCHELLE Ii. , GROSSMAN RBG: mdm Enc 1. cc: w/encl: Mr. Terry Newman E ~ n'\ Ie\-\- - ,'" I' ~ , " , " " >- C) ~T; N '.; '" .. - ~,C " . i '~.JI' ,. :':: .) :.:~ Et~ '. <j,.. , "';;: ~ ~r "I :ifi. " I .1.,_ L c'. I' -. , Fa fI: I', ~ I':: :::!; ;.~,~ 1.1. ..,.. l'. ,... .J U a- u , ., " .. . , ,t": ".'I,.1.i, I'jt, I " 'I' " Week Month Year Personal Clothing Food $100.00 Barberlhairdresser $70.00(quarter) Credit payments creditcards charge accounts Memberships Credit Union Other Miscellaneous Household help Child care Papers/books/etc. Entertainment Pay TV Vacation Gifts Legal Fees Charitable contributions Other child support Alimony payments Loans Other TOTAL EXPENSES: PROPERTY OWNED: Checking accounts S9vings accounts Credit Union Stocks/Bonds Real estate Other $150.00 110.00 . 30.00 200.00 30.00 500.00 500,00 100,00 50.00 $140.00 $1609.84 $2,946,64 Description Value Ownership Belco CU varies Wife Belco CU 1,000.00 Wife 300 shares. Adelphia 11,325,00 Wife 1100 shares - Hyperion 6,600.00 Wife 4180 Killatinny Drive 98,000,00 Wife Mechanicsburg, PA 17055 · values provided are approximate. TOTAL VALUE OF PROPERTY $ 116,925.00 ETHEL L. NEWMAN, IN THE COURT OF COMMON PLEAS OF Plaintiff I CUMBERLAND COUNTY, PENNSYLVANIA . . VS, . NO. 96 - 2815 CIVIL . I TERRY L. NEWMAN, I Defendant IN DIVORCE MASTER'S REPORT Proceedings held before E. Robert Elicker, II, Divorce Master 9 North Hanover Street, Carlisle, Pennsylvania proceedings held on August 17, 1999, commencing at 9:00 a,m, ';;\t I' :'{.\ , ;,1 " .. ." APPEARANCES: " , ' Elizabeth S. Beckley Attorneys for Plaintiff Thomas J. Williams Attorney for Defendant II" '," " , , ' .1,'1 PROCEDURAL HISTORY A divorce complaint was filed on May 21, 1996, raising grounds for divorce of irretrievable breakdown of the marriage and the economic claims of equitable distribution, alimony, alimony pendente lite, and counsel re~s and expenses, The Master was appointed on September 21, 1998, and directed that pretrial statements be filed on or before October 19, 1998. Upon receipt of the pretrial statements, a prehearing conference was scheduled for February 8, 1999. At the prehearing conference the matter was scheduled for hearing on August 17, 1999, The hearing went forward as scheduled and the record was closed, Counsel for wife has filed a praecipe with the Prothonotary on August 23, 1999, withdrawing wife's alimony claim. Therefore, the Master was left with the economic claim of equitable distribution and wife's claim for counsel tees and expenses, The Master proceeded to prepare and file his report and recommendations, STIPULATIONS See attached stipulations which are 'made part otthe record and included with this report, FINDINGS OF FACT 1. The parties were married on November 8, 1986, and separated December 31, 1994, This is the second marriage for both parties. There were no children born of this marriage although husband has two children, who are emancipated, from his prior marriage. 2. Wife is 46 years of age and resides at 4180 Kittatinny Drive, Mechanicsburg, Pennsylvania, where she lives with a male friend, 3, Wife has an Associates degree from Harrisburg Area Community College in Liberal Arts and is currently employed at Adelphia Business solutions where she nets $1,183.00 every two weeks, Her annual gross is in excess of $41,000,00. Wife indicated that she is in good health, 4. Wife has not received any spousal support or alimony pendente lite during the period of separation, 5. Husband is 62 years of age and resides at 127 Chestertown Drive, Goose Creek, South Carolina, 6. Husband is a graduate of Gettysburg college where he earned a Bachelor of Science degree, He is currently retired from Xerox Corporation which was the employer that provided the retirement that is currently at issue, although he did work for two other employers following his retirement from Xerox Corporation but both of those jobs resulted in termination. Husband currently withdraws $3,500,00 from the retirement fund monthly which is a gross amount, Husband testified that he is in good health. 7, Based on the stipulations of the parties and counsel, the total value of the marital estate is $792,123.88. (The Master notes that husband did receive a payout from an investment known as Delphi Films in the amount of $473,00 which is marital but which the Master has not included in the computation and which husband previously received.) 8. The total value of wife's nonmarital estate is around $97,000,00, 9. The total value of husband's nonmarital estate is around $601,000,00, 2 10. Each of the parties contributed in excess of $170,000.00 in pr~marital and nonmarital funda to the marital estate. 11. Wife has attorney fees in excess of $8,000,00, 12, No objection has been made by either party in these proceedings to the method and adequacy of service of any of the pleadings in the divorce action, nor has either party or counsel objected to the jurisdiction of this Court to act in these proceedings, CONCLUSION OF LAW The grounds for divorce are irretrievable breakdown of the marriage, Both parties have signed affidavits of consent and waivers of. noeice of intention to request entry of divorce decree, husband having signed the affidavit and waiver on July 26, 1999, and wife having signed on August 17, 1999, The divorce can be concluded under Section 3301(c) of the Domestic Relations Code, ANALYSIS OF 'rHE FACTORS AS SET FORTH IN SECTION 3502(a) OF THE DOMESTIC RELATIONS CODE 1. The parties were married and living together in a marital relationship approximately 8 years and have been separated for approximately 4 1/2 years, 2, This marriage is the second marriage for both partie.. 3. Wife is 46 years of age, in good health, and her source of income is through her employment with Adelphia Business Solutions. She nets $1,183,00 every two weeks and has an annual gross income of around $41,000.00. Wife has an Associates degree from Harrisburg Area 3 Community College, Her estate consists of nonmarital assets of around $97,000,00 and what she will receive as a distribution in the divorce proceedings from the marital estate, wife's liabilities consist of a mortgage and debt for a car loan, Husband is 62 years of age and is retired, He worked for Xerox Corportion from which his retirement benefits are derived although he had two positions subsequent to his retirement from Xerox corporation, He was terminated from those positions which only lasted a short period of time, Husband has a Bachelor of Science degree from Gettysburg College and takes $3,500,00 per month out of the IRA retirement fund. He is in good health, His estate consists of approximately $601,000,00 in nonmarital assets and the distribution of the marital assets which he will receive in these proceedings, Husband's liabilities consist of a mortgage and any debt which he has relating to his vehicle, 4. Neither party contributed to the education, training, or increased earning power of the other party, 5. Wife will be able to enjoy the benefit of continuing income from employment and the assets which that income will provide; husband will be able to continue to draw from his retirement fund without any substantial reduction of the principal amount. Although husband will not be acquiring substantial assets in the future because he is on retirement, nevertheless, he will be able to maintain his current lifestyle without any substantial affect as a result of the distribution of the marital estate. 6. The sources of income for wife are her earnings from employment and any income which she will derive out of the distribution of the pension to her, Husband's income will be derived from his investments and withdrawal from the pension (IRA) plan. The benefits that each of the parties have will be as a result of their employment or retirement status, 7. Both parties contributed in excess of $170,000.00 to the marital estate from premarital and nonmarital assete, and. both parties contributed to the acquisition of the marital estate through their contributions from employment and wife's contribution also as a homemaker. 8. In addition to the value of the property set apart to 4 each party as a result of the equitable distribution of the marital estate, wife has a nonmarital estate of around $97,000,00 and husband has a nonmarital estate of around $601,000,00, (1) 9. The standard of living of the parties established during the marriage was middle-class, 10. The economic circumstances of both parties at the time of distribution will be that they will be able to maintain themselves in a comfortable lifestyle as a result of the distribution of the marital estate and their nonmarital estate, The Master has not considered any federal, state, and local tax ramifications with respect to the division of marital property. It is assumed that any division of the pension (IRA) to wife will be rolled over in a protected plan and if wife chooses to withdraw from that fund prior to her retirement age, she will be subject to the tax and penalties imposed. 11. Neither party is serving as the custodian of any dependent minor children. m:SCUSSION EQUITABLE DISTRIBUTION Based on the stipulations of the parties and counsel, the facts found by the Master, and the analysis of the factors under Section 3502(a) of the Domestic Relations Code, the Master believes that the distribution of the marital estate should be equa 1 , The total marital estate consisting of the previous funds. distributed from sale of real estate and stocks, and the value (1) Part of the funds that the Master has characterized as nonmarital may include funds that each of the parties received from a prior distribution of the marital asset.. 5 ot the pendo" (IRA) is $79:i!,1:23,88, First, the Ma~ter wants to address an offer of evidence that was made at tho hearing, which evidence the Master refused to allow husband to make part of the record, The Master's recollection iu that husband wanted to offer an exhibit from an expert showing that it wife received $100,000.00 from the pension fund (IRA) as her distribution, that in 15 years that would grow to a certain sum of money, The Master did not permit that testimony based on the tact that the Master believes that the otter ot such evidence is too speculative considering the variableu Ln the market place, and also considering the fact that one cannot be assured that wife would not need to use those tunds othorwiso during that period of time for her needs rather than j.lut having the money continuing in an investment status, In ad~LtLon, the Master believes that to allow testimony on the valuo of nSGets Ln the future would open up a door to any circ:uml!tllnce where a party is receiving an asset and the other party decLded they wanted to produce evidence as to what that aBBet may be worth, 5, 10, 15 years into the future, The Haster teels that to allow that kind of testimony would open a dimension to the factors which are not provided for and would allow tho Court and Master to speculate on what assets were worth in the future, The Master is charged with looking at the marital estate at the time of distribution and making the decision regard Lng that distribution based on the factors that 6 are set forth in the divorce code, The Master does not read the factors to include a speculation as to the vallie of certain assets into the future as part of his consideration of the percentage of distribution to each of the parties, (2) The Master has also considered in his decision regarding the percentage of distribution that although each of the parties has a nonmarital estate, husband's nonmarital estate is substantial and when added to his marital estate, which is being distributed in these proceedings, he will have nearly one million dollars in assets from Which to derive his income for his retirement, Wife, on the other hand, will have to continue to work and to provide for her needs through her employment, Her company, even if it provides for retirement in the future, '(2) Section 3502(a) (5) states "The opportunity of each party for future acquisitions of capital assets and income". The Master considers this factor to relate to assets which either party may accummulate by utilizing their skills, training, education, and employment status as opposed to considering specifically the growth of an asset received in equitable distribution, Both parties receive assets in the equitable distribution; therefore, following husband's argument to a logical conclusion, if we looked at the growth of a cash asset of wife, then we would have to evaluate how husband's cash assets would grow considering a withdrawal monthly of $3,500.00, And so it goes with every asset, so that looking at the larger picture, there would be another set of values beside the value of the marital estate at time of distribution to consider when making a recommendation of distribution, The Master does not believe this is what Section 3502(a) (5) intended. 7 will not provide a substantial retirement benefit during the re.t of her work life; therefore, the sum of money which wife will have rolled over to her from the marital IRA account, will be in effect, a retirement fund for wife to utilize in the futura, Considering wife's distribution of marital assets and her nonmarital estate, her total estate will have a value of around $495,000,00, The Master does not believe husband's lifestyle will be affected by the withdrawal of wife's portion of the pension considering the total assets that he will have in his control. Aloo, husband, although he has not worked for a number of years, i8 in good health, and appears that he could supplement his income by engaging in some type of employment to provide for supplemental living expenses, This comment is made simply on the proposition that husband is not satisfied that he can live comfortably on $3,500.00 per month, Considering the fact that husband will have nearly one million dollars in assets, at a 5% interest rate return, he should be able to enjoy a passive income of at least what he is currently withdrawing monthly, It is also noted that husband's investment abilities were touted at the hearing, and he probably has an ability to earn a substantially higher interest rate return on the funds, using his investment expertise, than 5%, Also, as a footnote, husband is eligable to receive social security benefits which will supplement his income, 8 RECOMMENDATIONS EQUITABLE DISTRIBUTION The parties will each retain the cash distributed to them from the sale of the Butler Drive property, Middletown, Pennsylvania; the Marmora, New Jersey property; and the sale of six (6) stocks jointly held, each party having received $115,60a.77 from the sale of these assets, Wife shall be entitled to a rollover from the pension (IRA) of husband in the sum of $280,453,17, with the cooperation of husband's counsel, wife's counsel will prepare the Qualified Domestic Relations Order to accomplish the roll over from the pension (IRA) plan to wife. wife shall receive the funds in a deferred plan and should she choose to utilize any of the funds, she shall be responsible for paying all taxes and penalities for the withdrawal of the funds prior to her retirement age, Husband shall be entitled to retain as his sole and separate property the monies he received from the sale of Delphi Films in the amount of $473,00. The parties will sign all documents necessary to transfer ownership of wife's interest in the pension (IRA) plan to wife and any documents required to release wife's interest in the remaining marital portion of the pension (IRA) plan which will be retained by husband, 9 DISCUSSION COUNSEL FEES AND EXPENSES Wife has raised a claim for counsel fees and expenses and testified that her charges are in excess of $8,000,00, In view of the fact that wife is receiving a substantial distribution from the pension, and has nonmarital assets, the Master does not see a need presented by wife for husband to contribute to her counsel fees and costs, Although much of her distribution is coming from the pension (IRA), (wife previously spent a large portion of the liquid assets that she received from the sale of properties and stocks), she does have a liquid stock account which she could use toward the payment of attorney fees, She estimated that the value of that account was $36,650,00, The Master does not see a need based on wife's economic circumstances requiring husband to contribute toward her counsel fees and expenses, RECOMMENDATION COUNSEL FEES AND EXPENSES Wife's claim for counsel fees and expenses is denied. Respectfully submitted, [1d~JfuL -0 E, Robert Elicker, II Divorce Master 10 ETHEL L. NEWMAN, Plaintiff vs. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 96 - 2815 CIVIL TERRY L. NEWMAN, Defendant IN DIVORCE 'I'IIE MASTER: Today is Tuesday, August 17, 1999. This is the date set for a Master's hearing in the above captioned divorce proceedings. Present are the Plaintiff, Ethel L. Newman, and her counsel Elizabeth s. Beckley, and the Defendant, Terry L. Newman, and his counsel Thomas J. Williams. A divorce complaint was filed on May 21, 1996, raising grounds for divorce of ir.retrievable breakdown of the marriage. Both parties have provided affidavits of consent and waivers of notice of intention t.o request entry of divorce decree. Husband filed his affidavit and waiver with the Prothonotary; wife provided the Master with an affidavit and waiver which will be filed by the Master's office with the Prothonotary. The divorce will be able to be concluded under Section 3301(c) of the Domestic Relations Code. The complaint also raised the economic claims of equitable distribut.ion, alimony, alimony pendente lite, and counsel fees and expenses. Wife's attorney has indicated that her client will file a praecipe within a week withdrawing the alimony claim so that the Master is left with the issue of equitable distribution and wife's claim for counsel fees and ASSETS OF THE1>ARTlES DefendWlt marks on the list bclow thosc itcms upplicublc to thc cusc ot bor und itcmizcsthe ussets on the followillg page',. If all itcm hus bccn uppraised, u copy of thc appruisal report is ullaehed. (X ) I. Real Property (X) 2. Motor Vchicles (X) 3. Stocks. bOllds. securities und olltions ( ) 4. Ccrtilicates of deposit (X) 5. Checking Accounts. Cash (X) 6. Suvinl!s Accounts. Moncy M..rket and Savings Ccrtilieutes ( ) 7. Contents of safc dcposit boxes ( ) 8. Trusts (X) 9. Lifc Insurance policies (indicatc faec vulue, cash surrcndcr value and current beneficiaries) ( ) 10. Annuities ( ) II. Gifts ( ) 12. Inheritances (rcccived or ..nticipatcd) ( ) 13. Patents, eopyright3. inventions, roy..lties ( ) 14. Personal property outside the home ( ) 15. Businesses (list..1I owners. including percentage of ownership and officer/director positions held by a party with company) ( ) 16. Employmcnt tennination benefits - severance pay. workman's compensation claim/award ( ) 17. Profit sharing plans ( )18. P~nsion plans (indicate employee contribution and date plan vests) (X)19. Retirement plans, Individual Retirement Accounts ( ) 20. Disubility payments ( ) 21. Litigation claims (matured and unmatured) ( ) 22. MilitarylVA Bencfits ( ) 23. Education benelits (X) 24. Debts due. including loans, mortgages hcld (X) 25. Household furnishings and personalty (include as a total category and auuch itemized list if distribution of such assets is in disput~). See attached inventory of division of household furnishings. F \~IU~\UArM'U.t!(II;NlXH.''I'I''':''IN A" ("lfllnt ulIH,'NII: II 5.lPP\.l b\j..,J 1)1121\1~}111.i'n'AP\.l MARlI.t\L PROPERTY Pluintiff lists ullmuritul property in which either or both spouses have a legal or equitable interest individually or with any other person as of the date this action wus commenced. Item Number DescriptiolLot:l'roj1l:L1)! Names of All Oillll:I.5 805 Butler Drive, Middletown, PA Joint ? 157 Heron Lane, MurnlOra. NJ Joint .. 3. 300 Shures Nellcor Joint 4. 100 Shares Bristol Myers Joint 5, 300 Shares Xoma Joint 6. 300 Shares Stryker Joint . 7. 500 Shares Phoenix Tech Joint 8: 919 Shares Vanguard Joint 9. Delphi Films. Ltd. Partnership Joint 10. Xerox Retiremcnt Husband 11. Household contents (Sce attached) Various 12. 1990 Honda Accord Husband 13. 1985 Mitsubishi Conquest Wife '" i'" '- ,,' ',. I (.~. c.; , .. i ." " " ~: ! , , ( ,. '" ',t" t....: , , .', " , : , t''': " , " , , , '~ Cl " " , :....; '.'1\ Jir: II. <l~ .J 0 0:>' () .' I" " , ", ii, " ',. '" " ': , ., 'II "," ", '. '(\[= f'l"C .. "I-'C" "j l:fL'I". t 1!' n, '(ll'!'(1~!OTNlY 9il SF'P ~ I r'l'i lit 00 C'U' "". ". ." (' )'I'ITY Iwh.:t:k_,:.LJ ..,l.wlwr ' PI::N;':SYI.VANI,\ " , , , , " ~ -. ~ N 6 N ~').,. ~~;~ B= ;J~~ ~f:j. " Q- .-,:;) I '~ ...... (., en ~'fl) ,~ , )~- rt~l 0... fJ'Z 'r: .,'hij ,fl LeI ~~! u.. Vl l... 0") 1:1':: C -) ('y' 0:.;) " " , , , " , " " , , 'III I, " " " I' ,! .",,1' 'i' \' 'i' " ",. 0' f;; C1:; ~ ~I: , .. ,<,,\...: (~~ .;.-; (.) ;.;,:;. ~'t,; 1l-: '.J~ ~" C1... :> '-'I,,:-J ~~. '0 ';~ ( ~. N L ./....1. ~i~ ~I!: ..... L) F' C "'1 U.. IXI '.il (J en U , , .~ " ,II", "1 " , ,', , , " 'i' " , ~\ I ,':,,;(, \\ '.11 , : ~ .", ~,- lO 1.1' c: i/ II ,(r' .:1 I ~ (., ' , I ,..1, . If:: ' <.1, SJ :..J [)I .......1 . /, I J.J -. -!I ;..~~ [L-;I' H' I :''';', n . I I I,;') . <..1 ("..'\ 'e.J " , , , :1 _, 'I" I I \,',1, ,.", " " .' , , , , " ,-. 1...I....J.."qa ,",IlIIHILV' \la~~I;.II~.ull' U'IIoJlll1 <<11"110,0041_. , . 1\,. II, "'1.'1' J,l <0 Z 0 \I.l E Q t < Q ~ . Z . . < -< ...l ~ ~ ~ > <II ... ~ ~ ;; r. . :> .... ! ! ~ ~ ~ >- . Z ~ . "' z ffi f- " '" . tCl. >< "- III ~ '" , c <i \I.l 0 < C ~ ~ . :t. " ..l .... " ~< " III ; ~ U " \I.l '" "-l < =: , ' . , <.!. "I \ I' Iq';~ 1\ 1,)-' I (." . \ I llll~l'i t:y;, ,\f I .\W ' I', "',-,y 1 \,,\ ~Il ,\ I ill)1I 'III". , ~ Ot< 1/&.(1 . 1...- . --_.~---~----------~~--------~~ . - -- - I' - : IN THE COURT OF COMMON PLEAS : . OF CUMBERLAND COUNTY * . , : STATE OF '* PENNSYLVANIA : . . . . . b"nIEL L.. NEW'Wl, . N O'qqqq. "~,~~.~,,.,' 1996 . Plaintiff . . ~nu . . . TERRY L. NEWlW<, . . Defendant:1 . . . , ~ . . DECREE IN . · DIVORCE . . ~ . " . AND NOW. . .. .. .. .. . . . . .. .. , . .. .. . . .. ., '9 9~.. ... It I. ordered and I' . decreed that ..... ETIJEL. L. . NEWMAN. . . . . . . . . . .. . . . . . .. .. .. .. .. . '. plaintiff. . and. . . . :rn.R!'Y. .L... ~~ . . . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . . . ., defendant, ~ are divorced from the bonds of matrimony. _. . The court retains jurisdiction of the following claim. which have .. . been raised of record In this action for which a final order has not yet . . . been entered; .. . . .~n.~.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . , . . . , . . . . . . . . . . . . . . . . . . . . . . . . , . . . . : " . . I ~ . ~ ..............................".........,....................... ......... . . . . ;' I., ,_.,i . Oy The Court: f"",} . ~ _ Aile......". ""j: ." J It Prolh~nol.~Y' : " I' ~{ . ,\ --- - .. - .. .-----.--....~ -...... ... :x. .....-.... ... .' ...:"'.. .. _.}J '; i " i~ '" .... (~: 1:-;; ;J. .- I ~ ) ,,. ".!' .It} (,. .- ' ,..., (i.' .... .....-l. u_ ':'l~J 1;'[ (~ ) r " '-,,';. t?\ ~ .~ ,-..) "I 1;~ '. '!' \, l..!,l !tt.l ll~ I :..'J . ~ 1 Cl. I' oa: .. ..' ~l en "; 0' (,) .'.I,,',40'HU.l'1IItILl.,.-nUI 'OIfWllOt ~ "MO.l....1lM .aL....L.."... jQ IIOlII/IlCI Y 'lYH1 U'I.!.I'll'1 '. III 0: Z ~ [.>l ~ 0 '" ;:: . o :J . ! . ~ -< j ~ '" z Vl = ~ ~ 8 0 . ~ . 2 ,., cl:l III · ;; ~ ~ ~ . ,.. >0 7. ~ . i: :i '" [.>l ~ ~ ~ o '" ..l ~ ~" ~ ~ Illl < " " U 51 " [.>l III III I:Q Ii " ' ... ',I",' II ",. b,7~~90~;:~~" <. . .. I ~ . AC4T['~ 4115~ A~c[ '1AOO 121636 ~ TAX 4429 ~1~16 'ST 5GL '103 2Q79 lec rAX 1C~C .K ~e~T 1024~4 1!!2104 ..""'''"'''''~ .UHH~NI ""'"'VI:!:) _ "r 9 <) , 'l" n' 11111~ I L I) :cr. TAX 21',-)6 I !.~ '13 l1C TAX 1~92 r:T 5C+1 .0HCC~IT Ntl ",~y ~ -..urr- . 3l'l 292" . 2QIo1; I 706' 17' 2l1~'7~ 1"n l " IIAC ~'lUq 5 \(j ~'~ Q'J.o: ~rr:1< ~(lUR5 Ace',' I ()~. ~ 0 DIRECT DEPOSI Adelphia 23138')'1Q7 54412~ DATE 07/C2lq~ Cl< ACCT. 1024.54 FOR r:n':L L ~IEWf'A'J 41PO KITTAT[NNY nR r'EnlA~lIeS'IURc., "A 17,~~; , - " I", I,,', .. 187-44-~4?3 "')01 44~Q H3 4775~ 11782" 53347 1'166 1':0-' 1229,<,51) '1?"'~ 2!"'1~ 2t,~Q' "2"'. 27~t 1~'12 191' 71~ 1",'111 1'111: 1024<;4 " :. .:. VAC H'",;'r',s t. :C\I ACCt-I IO-3.~O DIRECT DEPOS Ad..phi. DATE 06/13/9? ~J 2313Pc~q7 ~~~i~~ CI( ACCT !"'2'..~/. FOR :T"!ct L NOI'-'MI 41~~ KrTTATI~~Y r~ ". C:,!A 'II C S', 'J,IlIj, 0 A 17 C ~ ~ - .,.............. NI!WMA/l "'. 9'169 445 1591. 4775~ A8141 40032 7752 14326~ Zl'P' 2)0 15n 1C31)f1 , - ~ - '. SICK VAC WlURS ACC'" eo.OJ DIRECT DEPOSI r AcIe1phia DATE 05/0119'9 31 231380991 5441~0 CK ~CCT 1030.6'5 FOR nHEL L ~EWM~" 41eo KJTTATJNNV OR '~ECItA'I(CS3URG, PA 11055 - 99' 443 ~6 1~91 TAX LOC TAX IJCC TAX CK ~CCT VAC HOURS ACC~ 80.00 SICK HOU~S Ace" 103.50 DIRECT DEPOSI I DATE 04/23/99 '3 Adelphia 2313~OQ97 ~4412C CK ACCT 1024.69 FOR HflrL L ~'EWMAN 41RO KITTATINNY OP M~CH~NIcseUQG, PA 1705! - VAC~ 1m OA501 PA TAX AMER I S 4011<CON 980 443 96 1591 . """"1.-' "59" 8 "~~:~~ FED TAX Z17~ 1511: HI Z2Cl 160~ LOC TAX 159 Ill' OCC TAX 1")( CK ACCT 10=46 7161- VAC HOURS ACC"! /l0.00 SICK HOUR 5 ACC,", lOll. 50 DIRECT DEPOSI I" Ade.phi. DATE 04/09/99 3: / 231380917 544120 CK ACCT 1024.69 FOR ETI-lEL L NEWMAN 4180 I<ITTATINNY OR MECHANICS~URG, PA 17055 .- 891425 4715'5 58856 26715 581 9550 .l,,~: ...,~ ..~'~~:.h.~ ~OLIOAY 159 Fen TAX 21702 1302 I 229 131, Loe TAX 1592 9~ ace TAX 10:>0 101 CK AeCT l014~8 6136 " VAC ~OU~S Aec", 80.00 SICK HOURS AceM 10Fl.,,;Q DIRECT DEPOS I . . DATE 03/26/9'1 )' Adelphl. 231330997 544120 CK AeCT 1014.6A FOR ETHEL L NEWMAN 4180 KtTTATINNV OR MECHANIeS8URG, PA 17055 - . ~ '1~. HOl lOA Y 1 ';,~ 1;) 151. 471~5 4775~ ~ED TAX 217')(. 217 '1'1'.)<; 9809 I ~.~1 ZZ 44H 4457 LOC TAX b'1l 1" %9 969 01Kr.ONT 1"; It. 1~? 1n442 10244~ ..... ',' ,:J., .$ AI:C " Adelphi. 2313~OQ97 544120 CKAceT FOR "'H'd l '""'<lMA/! 41QO KITTATINNY DR ~iCHANtcseu~~, p~ 17~5o; DIRECT DEPOS DATE 01/15/9'1 ~- 1024.42 - M..."t~ A~.&"&,t..t&.. I...ia.. ',0, I.. It19 N,. y..k, NY 1011'-ltlt 01011212 IllIIlImlllllllllll1l ETHEL NEWMAN 4180 kITTATINNY DR HECHANICSIURG PA 17055-9138 IQ ,:;,..".", C.,*",~ra I,.." . VlIfI..'........ .u~'-~ ,I "\,tit... .... .. 1It'"1 Illr '-III.. In r...NC~'1'I Wlttl ~I ~.lt~~." 01 1....,.,0 ...ct....", "lilt 01""" ~t'hj", Q,~,. ~lrl... A"""':I)I CIlllll'lWt. MOMENTUM Employor Nftmo: Conlr.C1I0: PMlclplMI: PMlclp~nl Number' Socii' See Numbfr: RQU,elnenl Program. YOllr Represent.lI.e: Telephone: Augult 06, 1999 No. 9921807866 Page 1 of 2 ADELPHIA COMMUNICATIONS CORP. 91 651356 ETHEL NEWMAN 97259885 187.44.842. MOMENTUM SERIES KINClS8RlOGE "IN GROUP L TO (608)795.KING 1/ you M.d 1III,I,n... plol.. eoll you, "p",.onIIU,. ~I lho pho"" nUlnbo, .bo.., 0' .111 au' pIO..llln9 olllco loll 'tI. It I-fIlO,U'.O'04, or .I,1t au' Wlb.lt. .. wwW.oqulllblo.o.m. C'. ., .' CO.N;FI,RMAT,{ON",...N'OT'/C:E .. . THIS IS YOUR NOnCE THAT THE EQUITABLE PROCESSING OFFICE: P,oeo:,.ud. Conl,lbutlon. EMf" ()YEA MATCHINO amount Lall ,,,,po,II" Aeeoun. B.lanel: CU"".I Aocounl 8"'a"0l: "fimiLS ~ORTAANSACTION l:FFIECnVE DAT~ 08/05/1U9 !J.'JlIf':jJllll lnY.utmenl AC~ llswn CONn: . JUTION ALLIANCE CROWTH INVc;STORS EMPLOyeR MATCHING lRvE~fiMENT RESULTS BY FUND lo.l!JJll"'lll1t Ootlon: '-'1~D9r."1~2 AW.wQJlwtlI1 II.Gs:ll In.w.lm Lao. R"llLlrted B.I.nco: $1,ga2~A $1.0M.78 Numb., ", Unlls: 13.9531 61599 Conl,il."li"n.: 571.G._ In.lsl...",. Relulll: $39.64- $9.57, eUlren! AceoUII' B".llce: $1,942.64 $1,116.84 Numb., ", UIlIIe: 13.95.1 6~7e6 ACCOUNT VALUE8 BY SOURCE d~m Curr. "I Acc"unt Oa'anol: 57.180.64 ~~~&6~~~ $ 1,385.09 .SUMMi4RY OF CONTRACT ACTIVIT'( Inc'p'io" ;To-Date Contrlbutlona: Ino,pUo;."r 0.0111 Wlthol,awalo: $8,73548 $.00 Sallry 0.,.,111 Conl,ibullon. ,,,, T.. Veal 1999: S.II'y Oele"al Conl,lbutions fo, Tax VI" 1998, $2.367.70 $3,9.8.39 Amount .. $71.63 $71.63 $9,676.80 $8,684.57 Dollar Amollnt Unll V.llI. $71.63_ 5171.069899 AlllIMt Growl~ 6 lJ!a1lll! 6lll.na..tuUIlX..!nl1Pll M,446.31 $2.190.4. 220793 0 0754 $5.52. 58.1. $4,440.79 220793 $2,182.30 9.5754 UWc~~~a $1,118.84 ,..--'.-- ,P"-' ',,- / 'WAl. \ I , ~~ ,. ", , l Eft.clive D.11t AugU.105,1999 on AIIIIUII 04, 1899 on AuguSI 06, 1999 T~:'~lsSa~~ 0.4187 IP.1.AJ. 59.675.90 $71.63. $S?.86. $9,684.67 '-~M'I} II oJ. 'oll , . IoU .J.H' I~'" I~' I~# oJ/? "I, J/, Y, '.Iff RECORD ALL CHARGES OR CREDITS THAT AFFECT YOUR ACCOUNT '11"1 "' ~ "11 ."..,j ". 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Copy B Fo, Recipient ThilS ill Imporlonl Iln Information and IS being 'urnll~hed 10 ll'lll Inlernsl Aevnue Service II yOU are required to flht & return, a negligence penally or other &anctlon may be Impolled on YfJU If this Income III tallable and the IRS delermlnes 1M! II ha!\ no! been repOrled SublllltuttJ Fu'm 1099.8 0.00 72-9730 SALt-; OF STOCl< rWciiiif:N T - 67.";i;,:~. ,1;1;,,;!\;-'.r_'I~ -'~i;;'i";;;;dZIP (0,;;, -...- ---.------ PA~E1f~.liiMr~;~Wi;; 8r1d ZIP cOd. TERRY L tj~..MAN 005 DUTL~R DR MIDDLETOWN PA 11057-S90~ XF.ROX CORPORATION ~ D BOX 2007 ROCHESTER NY 14603-2007 REl:IPI-fNTs-;d'';;;T,i;;(ii:cn-,;~~rii-;j;'-- ,.- t 1 7-30-771 tl 'p""A'rERSFttdlt'al Idllnl<llcatlcnnumtl!r 16-0466020 INSTRUCTIONS FOR RECIPIENT ON REVERSE SIDE DlTAC~ BEFORE CASHING CHECK . r.NHEIMER GOLD 6 SPECIAL ~T OF ACCOUNT AS OF 1 2/ 30/ 94 , P OR SOC. SEC. NO. 1 8 7 - 4 4 - 8 4 2 3 I. . CCOUNT NUMSER 410 4100078001 ""111",111""1,1,1,,,1,1,1,1,1,,11,,,.,1,111,.,,1,1,1,1,,1 ~P5S T~ IRA FIO ETHEL L NEWMAN 'OS IUTLE~ D~ MIDDLETOWN PA 17087-8102 m OppenhelmerrundS.. DEALER NUMBER 5 14 0 3 9 0880 REP. NAME M I T C H ELL THOMA 5 E A E. NUMBER 5 7 6 - 5 9 DEALER PML SECURITIES CO 270 WALKER DRIVE PO .o~ 251 STATE COLLEGE PA 18.04-02S1 TRAN)5frCT I ON TYPE OF T~ANSACTION RfLr~AA\t~~y~~ !BfN S~~A"f~El T7~~ '" .J,'J,r'L '" I TRA erl BALANCE F~RWARD f~iOO 14'e 3 i 1674- lH 71 t n ~~ u 1194 ANNU L F~E 14' sao T XArLE REDEM TI?N 21 119 14,92 1 4 3,042 - FEE TERMINATION 000- I , I i I I I i I I i ! I I I i I ! , i I I , , ! I I I I ! i I I I i i I I I I I I I I I i I i I I i ! I ! , I I I ! OI:)}FlIBUTION OIVIOIINDSISHQHT'TEHM CAPITAL GAINS L ONG-TERM CAPITAL GAINSI crRTIFICATEl'J SHARES I BOOK SHp, ES OPTIONS Rf.INVEST RE INVEST . noD .nnn YfAR.TO'OATE DIViDENDS YEAR-lO-OATE SHORT.rERM ,lrEAR-fO-OATE lONG-TERM nFOTAl YEAA.TO'O"TE CAPITAL GAINS CAPITAl. GAINS DISTRIBUTIONS $0.00 $0.00 5000 SO.OO PLEASE RETAIN THIS STATEMENT AS A ~ECOflO OF youR TRANSACTIONS_ f'L~ASl DO NOT USE TUE ABOVE fiGURES FOR lAX PURPOSES. PLEASE RETAIN THIS 1994 ANNUAL OPPENHEIMERFUN05 IRA STATEMENT FOR YOUR RECORDS. THE TRUSTEE OF YOUR PLAN IS THE BANK OF BOSTON C/O OPPENHEIMER SHAREHOLDER SERVICES. PO. BOX 52706 OENVER. CO 96217. AS OF 12/31/9~ THE FAIR MARKET VALUE OF YOUR A"COUNT WAS $.00. WE ARE ~EaUIRED TO FURNISH THIS INFORMATION TO THE IRS. "I.It"1 ',II j .,. ',',..I.'r' nl, Oppenheimer Gold & Special Minerals Fund .0 MAKE AN ADDITIONAL PAYMENT: LEASE COMPl.ETE THIS STlJB AND RETURN IT V',ITH 'Joun (HEell M.\DE PAYABl.E 10 rH~ UNO LISTEO ABOI,oE, MAil stUB AND CHEo. TO P.O, ROX 1/38n. DENV"". co aO'"-Un o RPSS TR IRA F80 ETHEL L NEWMAN 805 9UTLER OR MIDDLETOWN PA INI>IVIllUAL IHA1SF.P <:ONrRltlUTlONS CUI'lnENf ..FM1 IIlA $ (MPLOYlR 'LAN COH'''I.UTIONS o SIP. IRA, PENSION OR 'ROFIT SHARING IMPLOYIR t ] FOR CHANGE OF ADDAE SS BOX AND FilL out REVIR 0,,, 0,.) 0" I'); I I J " . t /. f~ I rj /. $ FUJI LOVER IRA t._ EMPLOYER CONTRIBUTIONS A"l NOT REPORTED BY THI T"USTU TO TMI 'R~ S < ,. fi 410 41000780010 INDIVIDUAL RETIREMENT ACCOUNT DISTRIBUTION REQUEST FOIUvI olllpl.IO thi.o form IIIIlI IOn<I il 10: \,~ (. You mu.U ('.omplrf~ aad lip' thh form fo obtain I diSll1bwion. Fllilure to campl.te tJu~ rorm propod)' may ,.....11 in . doloy in p"",e..int your requu.. R.:I.,on for Ul1lrwullon (cbtd< on.): OAK. 59'IJ 0 Di...bili~! 0 DUlb o Requi,..J Minimum lunDu.ic (!J Other. .po..,;fy: ( t. I I ) o u..1.er OS. 59 In. dU.n'bwioru qualify for subsranridlly ''l''''1 p.riod;" paymml.J payl11ll1lSJ .0 dofioed under lnl.moJ R..eI11l1 Codl 72(1)(2)(A)(i.)? , .) ",. ) J. / " ,,) i u.' > ''l' ) 'me telephone m.unb~r I.. Di.o... Opptnhllmer Shonholder S.nlcr:'l P.O. BOI 5390 Denver. CO 110117.5390 1-30IHl!.11W1 Account InComlutlon: I t .'\!t/,n,J llll.. \ Nom. 1./ /./ , , . , ,~) I Zip Code SI..- odd..... I '" ) . ,/,/ ~.I, l' .. It'.! 'J S""iol Security awnber 0010 of birtll (You anuc provide your Social Security number QI1 aU dUlnotUinn frQUe.1t.s.) o Check here if the account owner it dKeASertJ IlJ1d you are the brneticiJuy. , .i.' ,II . Cmuury of pennMenJ: re"idence. unal Ii U.S. citizen Stol. DOle of d.ath: (if ol'l'licahle) ,.. or S lUDOllol Accounl number(,): 1.//, ''-I ((';';';(,,," ~ or 5 amount I, .r' '/, Account number!.,): Dl~tributIon InConnlltlon (cblr.k on.): PI,.... indica,. Amount. And ."oonl numb.r(.) aho... 1.[J 2 0 ,1,0 lump-uum dLun'bution (entire ICCount bAhmce $10 ft'(" applic.,.) POrtio! dU.ribu.ion ), 0 C...h dividend. Periodic di..slnbulions (Il5e'I~ring ~f1odic di5IrihuliofL'. plelue complere A. B. llJld C br.low.) A. How ollen do YOll want your ~rindic di~lriblllion."l'! (Note: If you do not indicate one 01' Ole (oIlQwing, we will !let up YOllr di.unbwionl to occur I.Dt1UA.Ilv, o Monthly 0 Quanerly 0 S.mi.annuoll)' 0 AnoUAlly On what day of the month do you WlU1t your periodk di~triburjrJn 10 occur? In what month and year do YOII wanr your periodic di:\uihulioru 10 begin'? cNou: Periodic dUtributiOlU can only be !&ken on th. 7th th,ollgh th. llsl or ony month. If you do not ,elecl 0 day .nd mooth 10 begin your d.i.stn'buriom, we will comp:ete your fir.lt di5tnbu!ion on the cby it i, re.:eivNJ IUld set up your periodic di.Hnbutioru to begin on the 7th of thl!l nU,t Ipplicahlt' month depending on the frequency you selt'Cled .hove,) B. Do you wanl a rue.d dollar amounl or clo you WIUlI \U to cRJculale the All10uru h...,e..1 ()O one Q( lh~ CAlculations lurtd below? o I wane you to '!end me I fiud dollar amount .., ~pe'Cifietl aho....e uncler Acrount Informntion. o r Wane you 10 UiJcullUe the reriodic tJi..rrihlJ!ion IImOllnt ba.'i("(! on Ihe cRlculAtion indicatec..l below (one time 1S fr-e IIrPlie~): o Sinsle lire e~pr.ctAncy. Chtck one: __ PI~A.'f! r~Alclllnte e.llch ye....r. Ple.n..,f'! do. fu'1f nocnlculAte f".Jlch yeAr. o loinl ur. "J""ClAI1cy, Check one: _ PIt'A.'fl rK.II.lculate each yet.,. Plell,e cJ.a.nru teC:alc:ulare eAch yeAr. PIt'll,,. blue Ihi.' c:alculntion on __ )'U..~. o p.rind cert.lin. C. U YOU IInl Q1/t!:r 'Ie 70'h,t1n YOII nr"ftl cMchup di.~trlhutJnn., nhRl i." rltlor'yell' re(fuired rrtinimum dL1tribulioru thar: you did notlAkel'! o Ye~. I nte'lJ cllfchup di,crihulion., felt ye"" ,__~_ ___..._._.~. 0 No. [dn.nat n~ CAtchup di~!ribuliol't!, If YOll I) are <l1/.e.r "~e 7Q1.'1. 2) 1e(enrl:' trnmfrrrt"lll ~1Il1Jr retirement llIeCOlln! 10 Ovr~nheim~t. aud J, did not tAke your req1Ji1c~d minimum lliHnbul\f.ln frnrn YOllr prior l.:U,lodillfl f()f tIll' tilt Yf''''. we cnnon! cIllcultlle IhAI tli"lr,hlJrion for you. PleA.,e supr1y ll~ .....ilh Itu' IInlOlmr llull yml ,hl)llld tu\'o'~ fRke,,: Amollnt S (<I;,:coq <}.').I) o Sond to . ..w ..wr.... Ii"...! b.low: (yollr sillll'lllln Dlust b. lIUnr.lJ1trtd la accordanc. witb lb. Fund's Pl'1lspt<:!u,.) T'.....(.r 10 DIY eWlinl VlIIUlichi FIInW KcOWllIllllllbtr: SlrHt odd,... T,.....(.r ID I DOW 1U0UIll in Vounoicbi Fund (....... or IIWIlber of fund) Cily Sill. Zip Coo. Send ID DIY bonk willi AccOUDlLink. (AccoUDlUnlt proviowly oatabli,hod.) o Pl.... ...obli.h AccountLink wilh my bonlc. (Nolo: You wiU nt<<! 10 obtain. campI. IlI1d n"Cllm IU1 AccoondJn1c.arrlicuion. You must enclose . voicJed cbeck or it may delav Your reaueat. 'Dellclary loCormatlon: Of lbo", i.s mo" IlwI ono pril11.lt)' bon.f1cWy, 0' if lb..... ore continl.ncy bon.ficLori... plealllll&l:h I wI with (oUowial iafOnDlliOll for w:h ben.ficiuy.) ThiJ bon.ficWy d..ilJlAllon ....plAt.. 011 prior d..ilT""ion.. iDIlaJ1I bta.ndAry: mo Dal. of bil1h S,,,,iol Socuriry lJl.lIDIwlr Nt add res. DAYlim. 1.I.phon. n"mho, y StAle Zip coo. SPOILl': V., 0 No 0 deraJ Withholding (chrck on.): I.Nolt: II you do nol check on. of th... bo.... w. mlL.t withhold 10!'. from your di,tnbUlion.) I do nor wwlo havr Fetlenll income I,U.e~ withheld. o I wonl Fe<J...I income 'JUt wi.hholdinlll tho ,r.andard Alo of 10 ~. I wUU an addilional amount of income lAX wilhheW. ffbi., opcion is not ......i1abht for cash diviuClvJ.s.) Spo.:ify otIdilionol omountto bo wilhheld: $__ , ~lIture ~I(~ under penally of perjury th:ac the Soci.al Sccurity/l.np.ycr identilieJ.tion NU"llber luted on lhe re...~ne is my correct taxpaycr idcntific.2tion number, I t.h&r: I hIVe nQt bem notified by the Inrrnul Re...enu~ Ser..iee &,:l.t I am subject to b:1ckup wilhholJing 1(:1 non.re"idcnt :alien: ( certily lhat 11m not. U.5 ten. U1d 1) do not expect 1.0 be in the U.S. for 18.J dly. e:1ch calenuar ye.:r.r and I will not conduct business in the U ,S, which .....auld receivQ a.ny l"lnS from fund, or 2) I 1m ucmpt under IIn income t.u (felty. '. I, 1 1...ll.", ..~ ) ( ", I' i I '. :nawtl 0( accoUnt owner or henetlclarv U applicahle .. . I uti aware of the tax consequences U!llXia.leU wilh my "'1"'" and certify thAll have ro&J Ihe notice helo". , :J: Oalc ^ sigruuure guarrU1ree must he provided on all rcquesU (or di."tnbutiolU in e~C:eoI!1 of $50.000, or (or rhoJe In be mAiled 10 IUl Rddrc!\." other tholJ1 thlr: Ill.Wrc"!I of reconl. moru.. OUarlnl... SuI 'rtI(y tIlul hi"" rud .nd co"",I,Ltd the insu'lclion' on thi. (onn 'nd lh'll hi.,. con lulled ....iLh my lAlIl ,d...il()r, or '-hll r otlle"",i.. tully Un4emand lh. to Ind o!.h., 1.,.1 .MqU'nc.:i. Q( lJ'li. '..qUUI (0' dillnbulion. (,om 1Il. Opp.M.imr,.",olUQrtlIIJtA'.) I\lud on lb. rt1llna .id. of \hi. (orm. I undu~und th.l I .m nrpol\libl. (or knowinl .Itln lh.i. djtlnhulion co"",U.. wit!! .pplie.hl. lA'( I.....: and t!!1l1.m rt'l'<lt\JlhI. (or rTp"Min, .nd p'Yln, III 'I'Plic.bl. lA." on thi, diluibuuon at dlatribuLiol\l: Ind that li. dlllribulion C(llUtlN~" .p..INN,.... Jillnhullon, I .m .w.rt o( 11'I" 'I'pli,.bl. lA! rtquil1!rNnu .nd penaHi... 1.110 ClrtJ(y t1lu if I h..... ,..quClud. 11I1\1(., ot .h,rt. ~Y.mU:h.i Fundi Iil:c.ounIlO m, nAm., J 1m o( Irl.1 ..' IInd "pICilY In own ~h ""'111. I und.nund t,h.l neilhn the IJlA Tn.llLl. 00' .sh.r'thold.t Su...icu, lnc.(SSn. Ill, '"'OChi Fu.nd.a. or th.ir Om,,", ''''9loy... o. "enu I\..w'l'ro..dcd, Ilr .re rttpan.ible III pro"iJ., lA. or 1'1,1 .d"i.:. t1) m. in ~onn.,:l1on ...ith t.hl. ,..~UU&, I und,""nd 'nd .ltlNlIl1Iilhtr th. Trua., $SI, 00' Ill. Fundt .tIllI be rt_"",nlilll. (or."y lAlt dur 11ft .ceounl o( \hi. dl..."huuorlll) (inc:ludin, diunbutiol\l bud 00 Iir. n,'culr'IC7 or rtquirtd ,,~'" di.nbullON ca.lr:ul.I~ win, in(l)mUUlln I f'nro-IJrlj) nr (<'lr In:- lilt 0' Ol/\er p~n..Illir' 1 nlly plY <'lr ;w.:"r II I rot'Ull (If \hil r'tl\u.t1 a( Iny diltribuLion(l) from thil lIlA, '''" h..n 'lhiNd n(!h. di.lnbultlln. '..rmln.llOlI. 111.J m'lntelun<:. feu t1\,t Irrl)' to r)rrrMeHNr"T"uumrd IR^, .nd 'lrl'll 10 PlY .1I'pplic.bl. r.... 'Il " w "' <0 ,. ,n " r ., ::J OJ I- 1 I.: ..J ~ , ) l- .. OJ 'Il , '::j L 3' ,- ., - .J = ., CJ ,. .J m '. .( c. 'r, . .( c, , ";1: , t. ,~ 'j,: , . , ~ " ,,.. ,,' ,- 0 ,) ~ ~ ,., J. ':: :. ' ' ,. , ., " I ,. c' a r , \.'1 LI' I "' . oj .J . '.1 ., ! I " " ~ ., 0- ,. '.J .. .~ u'" .". I- 0 'c1 ~ 0.' tC 0 0", I U..l U-J I- I- ~ ::JU 0 1...)..[ 0 W ,. ><'" "' .u '.- 0 ~ ., 0 0:) c. 0 co '0 .) -1' :< ...J I 0 ,- IJ'\ '" .,t: ,., '" C. I 0 >= ..... .r ~ C. U ,. - III 0 r< r. - Cl :.< Ul - Z ,- '" .[ .., ~. -. Z Z ., ., '" ., .. ,~: .- C. ... :.< - ~..J L.J (,!: Z - L Z l.J .. .J (') - ..J .J ,,, t- .- ,..J >- .j r~ ,-j - " UJ " " r .J Stlltement Period 01/03/94 . 12/30/94 I ~ftl 7tif .~ - Page 2 of 2 Morrill Lynch Mutunl Funds BOO.MER.FUND (600.037.3ij031 - TERRY L NEWMAN & ETHEL L NEWMAN ATBE Toxpoyor 10 No. 177.30.711B , ACTIVITY SUMMARY D.t. Ordar D.t. T,.n..ctlon Ducrlptlon Doller Amount Shor.. thl. Tranllctlon Tot.1 BlJllInCI ML CAPITAL A 222.87238701 OPENING BALANCE 07/13/94 07l1~/94 LONG.TERM CAPITAL GAINS AT $ .628302 CASH 07/13/94 07/13/94 ORDINARY INCOME DIVIDEND AT $ .667021 CASH 12/08/94 11/29/94 LIOUIDATION THROUGH MLPF&S CLOSING BALANCE $20.00 0.000 0.000 131.000 131.000 131.000 131.000 0.000 0.000 $ij2.~1 $67.40 $3,464.00 L....._.....__=::-..-==-..:::::::::====:==:=:~~===::::::::=-=::::::.:::=.::=::::.:.:.:::::::::::::::................................:........_......... .J YOU NOW HAVE 24-HOUR ACCeSS TO INFORMATION ON YOUR MUTUAL FUND ACCOUNTS. PLEASE SEE THE REVERSE SIDE OF THIS STATEMENT FOR DETAILS ON THE VOICE RESPONSi: SYSTEM. MERRILL LYNCH CAPITAL FUND, INC. 800 S':ud""r! Mill Road, PI"i,ubQro, Ntw Je,"u,," Ofl5Ja Bilow I'. the plr .h,r. "noIJnla (hat Ir. ('lIlVtlb1lf on Dllctmber :JO, t~94 ror ilhareholrhn of ntnrd Oil DlIle.mber 12, 1094. OrlJlnory'rCOrllO CI.-,. N.. Invulm.1'lt Incom. Shorl.Tllrm Clpll,11 Qaln Long.Term CllIIU;)1 Ooin A IO.4U72G SO.11700B SO.617146 B Sb. 'J24.~'lil lO,G11148 '0.1171.\09 c 'O,>l:lSIJ~ I .iJ,lt7uOu .\1.11111..11 o $U.454804 $0.11700$ lO.1111101B ocaaQQ , '" ~ , -: ", .- l.;' (:;: ..' ., , ;.'- :' . ... . ~~~"qc -. ~.4.~ ~'t.'Iy\<....... :ax,.oo 0/ <...~V-:iJ~('I. ~A, ~ t~c~__'r> #. (p,d, ::i,J (,t/;';r':6./k,rk) x1/&.9' ~-:7 ~.;j T..., t.... - - .r- v/ ~ 3S ~ l...Z..-3 leil-S-- ~I ~ - /J;c.,.#'? J ~6XJ. ()() ...... 'fr:, ~~_ lOt) ". .,; - ~ It'"7'' ~ ,/ - fr/4 "f-"..,c ~. 1~4 ~ - '111, l-jo '/I' - .f~ 'Yt->-f 'flIP ~I '14 0/ fl.+- ~; 11/4 i IJ,~ Z..! 4ItJ. oj. S!1O.42. 7.V'l', 0 c2>.1...."'--ot e.c.... /aJ: Ool' V 'L1".0 "'7".........-t:- cl-P- c;,~-,<. 30. d() ......- zf:ttr. 0 C~ zJa). OD'/ (~b*. 0 W""'-> rye... ~.m ./ /f/1.cl I , ~1_""" v 6.01 2d{. I' ,/ 1. 01 C(. '17 l.1.t.:7.1 c: 'f'h4If - ~~ /J'~f.Z. ./ ~ ~ 2..4 I I I, " 132..~: , , , .... T '.'~: ,,, ", ' r'p"l'; ,,"'.',I\!,,' "'.": ~-.' I \ I '; '",' ,/ ., I a TERRY NEWMAN 6 107~ VIRGINIA DR. I - rIi~~..L J.JIJIO FT WASHINGTON, PA. 19034 . ~ ~,.- ""T ~~:r4;;~r ~":'I~ . . n dj)/ I S ~,5(().cu \"~"l.~'f .+.....v r JlL\~(O (1'/('(/'0<) . _.-- ....----mm1~.lrrll>' :u.uww . .n. C. GIRARD BANK I1lf\h,,{)I!,[. lih.lol'lf1t.lh,""Pol 1:0 3 ~OOOO ~ 71: ~I" t, 2 3 1:: JI~.I_, ".1, 1 ,,'ti;~'~J ril-; r~!I~r'IT') I,.,'.j t..~~l:Cr .,.'-'VA _'.((.1-':.,', I " I'.' 10",,' ", " lb <. &.. (. ~S- >("",.:.. 'w,. 1/ ~ '=0 ILO'i.2. 1~ ,- JC.tJ Q:) V 1/09. 1. '-O~_. Ct.<42.. )../'1 'rL JJ ~~IO.o .... 2.. 2.. S: 2- 71J1 (:';:::) ~~-".),i~"'---. /00 ():) ... I;z.~ :L.. - p/, "'\:> .-;::: v '2::..19. () l t.3 l(.. ?. ......-:rt--... /!(~'I? ~1 (: I,~-- 2.1)~ Yo ...... .3 Ib"l.( , 7V .m<-~ ZJ - ?_OO -' \.-'-~- ..,-_'::,' ~ ,./' I ., -I (... (.) 1/ '1 z... 0 c!f!_~'{ lA:.' :)1,7 ~',/: '. ....,.......- CJ1..vV- *' C:/:?:'A 'Jk.")/ '17 v ..., . ~ :"1 ( ..), G)~..,,)..-...~;.J_ " ~c.;. ('(') ........ :s 0 ocJ ",,'" ,/ ..2//. . -:.)"'<.(). ~ " 3~ I .:!rt 0 ~ · . , .... "~""'''''j '-(.."-' - I ~fS!"J f"o(, 7 - )/. I:>' tJ ~/-<'-<>;;- C ,._-.... I':: i~H .)''O.a? /' J.j<<) 0") ./ I\,,~a.~'f 1,1' ror IIL,'JIIj) ..lljlOMi\r " rAI'.'I""\ 'IJlI',)~II~ ON O~H AU'r~OI\llhJ I . . , ! , ,'(I 'I" , ,1,',1; \ "II ;Ol ~'f c..'fb*' ~ ~) 98Jl( V - 'j1,' ~ ..;' ~.~() c/o'l.7 - 'II.;., '\:::..- -"...........,r.. "", 25..!c:.. 1)- 6.!_".,o '7 ,. /OJ.. ~f.:J C'.,n 'Y1-, rh, ,"""L ~~ 7{.." /Yl. / , :II,>" G -......1,A'.--J .("() oc'.... /::3 7. /~ -91'-' 3:;.(').::. ." "" 7:/; (/~ /J, 'J/I~ . I' :'3. I ..'.. .... p ~ ..... ,/ '/I-"t' ~-~ ~ 'l'S .)-1) "7.... z. 4' . .."? G ":....--,rt <-- " C;; ~?6 0') ,,/ 702. " 7() (KJ./ 0:3 Z. (r; I' '2t.O OJ./' +~z...'" IL..~ . ,--. ,,/ "difpfi 27~~~ .., - .>7/7 lJ..f " t;jr,. ~ " .,.\t,"lfH"v 11'.~ellll n.)IUMlIlIr f',\"f"H'H~ III "USII~ ~I~ OHf A'H"'ll"'l~ll . 'f '. [lnal1claUnformatlmtJor Essie/Terry Newman (7/99) Summary: This document summarizes our linancial situution und accounts from the date of cohabitation (2/11/83) to the date of marriage (11/8/86). During this time period, my money, some $176k, basically from employment at Xerox, accounted for about 80% of our financial resources. When Essie & I began living together (2-11-83), she hud credit card debts of ubout $6k. On Feb 28, 1983, I made a discretionary withdraw from my Xerox retirement account in the amount of$26,OI0.44. About $6k of the $26k went to pay her debt, $IOk opened a MLPFS account (#872-33785) in her namc, and $1 Ok went to my existing MLPFS uecount (#872-26209). The purpose ohelling up an account In her name was to keep separate the assets we aecunluIated (mainly stocks) from the assets In litigation (mainly stocks & bonds) in a divorce action between me & my first wife. For the next 3 Yl years, the checking portion of both of these accounts were used for the same purpose - to pay expenses Incurred by both of us, Just as if we were married. We purchascd stocks, paid tuition bills, bought cars & real estate, etc. Th.c money that flowcd to these uccounts came mainly from my Girard Bank ueeount where my Xerox salary, bonus & commissions were direct deposited. From the date of our cohabitation (2-11-83), including the opening of the ML account in Essie's name, April '83, to the accounts closing in December '86, just aftcr our marriage, 5151,000 was deposited Into these Ml, accounts from my Girard account (documentation attached). Along with the 520,000 from my discretionary withdraw and 55,500 from Commonwealth Federal, described below, a total of $176,000 was actually deposited into these two ML accounts. At times, monies even flowed bctween the two ML ael'ounts. Other deposits made to these accounts took thc limn of stock sales, rental income & her father's moncy after his dcath in Scptember '85. From the documentation I have, her fathers money that flowed into thc ML account in Essie's name up to thc time of our marriage was about $42k (see last sectioll of this report). This docs not count the sale of his house which occurred in September' 88, two years after wc were married. Bottom line, except for stocks & bonds thut were held separately, both these ML accounts were supported mainly by my Xerox income up to Deccmber 1985 when her fathers money enters the picture. Here arc somc key deposits, purchases, & paymcnts made frorn each of these ML accounts: MI,PFS account opened in Essie's name /872-337851. Opened 4-29-83 with $10,000 Irom the S26,010 discrctionary withdraw 11/15/83 - Deposit of$18,000, part 01'530,000 I received from sale of Indian Creek Rd. property. 3/4/85 - Deposit on Huckleberry Ln. house - $9,950, ck # 183. 4/30/85 -- Debit to account, SI5,500, settlement Huckleberry Ln. property 11/1/85~. Purchased Delphi V lilms Ltd. Part. for SIO,OOO. 12/2/85- University Life deposit 01'$20,580, Essie dad estatc, This is the first time any dollars from his estate enters the ML accounts. 12/17/85 u Estate lax puid on Essie dad, $4,531, ck 11380 1/20/86- Transfer of fathers CMA ace't, $10,893 3/1/86 Bot 70 sh. Digital stock, $10,808 3/1 /86 ~ Bot 100 sh Baxter Travenal, $1.832 3/1/86 - Bot 100 sh Kindereare, $1,972 3/1/86 - Bot 100 sh Safeeard, $2,783 3/J/86 - Sold 100 sh AT&T, $2,160 (fathers stock) 3/1/86 - Sold 100 sh PP&L, $3,208 (fathers stock) 3/31/86 - Bot 100 sh Safeeard, $2,441 4/18/86 - Bot 100 sh Microsoft, $3,024 7/5/86 - Down payment for Buyberry Cove shore propcrty, $2,000, ~k # 496 7/23/86 - Sold Staley stock, $2,493 (fathers stock) 9/8/86 . Ck # 520 written to me, then into a cashiers ck for puyment to allorney M. Jacobson. part settlement with first wife, $12,500. 9/5/86 - Sold Baxter stock, $1,731 9/5/86.. Sold Kindereare stock, $1,803 9/5/86 - Sold Microsoft stock, $2,912 9/26/86 -- Ck #521 written to M. Jacobson for attorney fees, $2,561 11/30/86 -- Ck #537 to Penn State, tuition for son Chris, $2,948 , Given that I was divorced in September, '86, married Essie in November, '86, we closed this account in Deeernber '86 with a balance 01'$1,416 & opened a new ML account in joint names, N# 872-38701. The purpose of the above is to show you that this ML account, like mine, was one of commingled funds from the very onset, with incoming funds 01'$151,000 frorn my Girard account. The" $15,000 loun" referred to in Ms. Beckley's letter of 8/31/98, & again referenced in your letter to me of 2/12/99, was made from this account of commingled funds. Since the bulk of the money in this uccount was mine to begin with, I cannot fathom how the two payments to Malcolm Jacobson could ever be construed as a loan! M.LUS Account- Terrv's personal N# 872-26209. Opened 5/82 during prior marriage 6/14/84 - Paid off Essie's Datsun - Model Motors, $5,993, ck #393 8/3/85 - Made down payment Mitsubishi Conquest for Essie, $3,000, ck #637 Penn State tuition payrnents made: 7/85 for $2,710,12/85 for $2,755 As with the ML account in Essie's name, this acc't was used to pay regular bills etc. No stock purehuses by Essie & rnyse1f were ever logged here since the stockslbonds shown here were in litigation with first wife. Account closed in Sept/86 with balance of $32,814, from which check for $25k was issued to first wi fe for final settlcment. Girard Bank: Terrv Newman individual aecount_ Opened in 1979, closed in Oct 1986. Direct deposit of all Xerox monies (salary & bonuses) wcnt to this account. As mentioned earlier, frorn February '83 to December '86, $151 k was transferred to our ML accounts. In June of '86, I opened a personal Commonwealth Federal acc't to replace the Girard ace't. Before I closed the Girard acc't, $3k was transferred to Commonwealth (Xerox pay now went hcre) & from here, $5,500 was transferred to the ML ace't in Essie's name, bringing thc total Xerox dollars earned by me & transferred to the two ML Ilccounts to 5136k. As a side note, the Girard account shows a $30,207 deposit (11- TIX and C...dltl IlIIndIrd DMoJllon Iw Moll ....... II",": "',ftO HQd aI houMllold: ",210 MM1ed tiling laI=; ~ow(~: 17,100 Marr1td lIng MpllatIIy. 13,1180 Othlr TIX.. PlYllllnll AItaOh F","" W.2, _W.2C1 onp.'. ""10 .- FOII'I1 1081.R W IU w.. wilhhold. Rlfund H... " ~I'~, llPO 37 :3 ~rr eeb. 0410, and eed. Amount You Ow. Sllln H.... Jalnt 'aturn? Su P.,., Kaap . copy 10' you, '_'d.. Plld pr.p.r.", Uti Only lOA 10 ., . a ... II ... . b . d 87 II AnlOllnt"omllno~(adjulllldglOlllnooma). .. ...... '" . . . ..... .., Chac~1I: 011 Will II 01 oId.'O BlInd; (Jepoull wu II 01 ald."0 BlInd, Add _ of bo... ch....ad above _ .nl.' the 101II h.... . . . . . . .:11I b W Y"" mat~ad IIlIng IIpIIllIIV and YOU' lpOu" 1tamI... dad_I 01 Y"" W.,. . dull. ataIu. all.n, III PIQI 28 and ch.... hll. . . . , . . . . . . ~ - 0 EnllIt IhI ..,.., of YOU' .......... oIad".lIol.. "om Schadul. .', IIn. 28. OR ....... dlduJIIon Ihown on IhIlaII. 11III_ page 30 10 IInd Y"'" IIIndltd daduotlon W you ch....ad any box on lno 35. 0' 38b or W _no can dllm you u a d.pendant. . . S.,btrICltM,..:.tIfrornlnIM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . II In. MI. 1113,400 011..., muIIIply .,700 bV th.1OIal numbl, a1exampllon. dalmad on ine lld. II in. 34 I. ov., ~,400, III the wOllc1h1ll on page 30 lot the amount 10 .nta, T..... '""-- S"bltaolllne 31 110m Iln. 37. II in. 311. mote than IIn. 37, .nt.r .0. T... Su page 30. ChlOk W any tu from a[] Form(.) 1114 b Form 41172 . . . Crad"1ot cNld l depend.nl car. ..pan.... Atlaoh Form 2441 41 Ctadll lot the a1d1llv 01' the dlllblod. Attach Sch.dul. R . . Child IU oradfI (_ page 31). . . . . . ... 43 Education oradfIL AItaOh Form _ . . . . . . 44 Adopllon oredlt. AIIaoIl Fo"n _ . . . . . . . .. FOIoIgn lU...dII. AH.ch Form It 10 W 'aqulrad . . . . .. .. Otha" ChlOlc W from a 8 Form 3100 b 0 Form 03116 o 0 FOII'I1 0801 d Form (opaoify) 47 Aclll"n..41 IIII011llh 47. Th...... Y"'" eotaI_. . . . . . . . S........ lno 4Irrom In. 40. W Nn. 411. mot. than IIn. 40, .nl.. -0- SIII-amplovmantlU. AItaOh Schad.... SE ............ AItomatl..m1nimllmlU. AI1IOhForm0251 ....................... Sool.. _urt1y and Madklll.tu on tip Incoma nOl '.ponod to .mpI0y0r, A"... '.'004'07 . Tax on IFIA., _, ralI'omonl plan.. and MSA.. Attach Form 0328 W '.qul,ad. . Advance .amad Incoma OIad" p.y,,,anta,,om Form(.) W-2 H.....hald ompIoyrnonllUu AItaOh Sohad"l. H . . . Add Nne. 411lhrough 10. ThI.,. )'OIl' eotaI lax . . . _' . . . Fad.,"lncomo IU wilhhold I,om Fonno W.2 and lOW .. 87 1_.at. IU pavm-nt. and amount appllad from 1887 ,ltum. II !wned lnooml oredtt. Afl_" 5ch,dyl. lIe I' ~ou "'_ve aqu.l,vtno child. .. Nonlaxable ..,n,d Income: amount ... I I .,d tVIM .. ... Addition" ohlld talC CIOdIt. AlIaoh Form II I 2 . . . . . . . 10 Amounl pa:d with FOII'I1 4808 (raquall '0' axt.nllon) . . . 11 ....UMClI...IlU',IVMdRRTAIUWllhheld(...pege40b' . . . .. U Olhl,paVmtlnll. Chl.kUlfo,". 0,o,m2431 b '0'm413t~ II Add IIn.. 57, 10. l19a, and 00 throu 03. Th... .r. our lllIIl l'UneUI. mor.lhll'lllM 9, .ublrMIIII'IIIIl.lromlln"4. Thl.ttlhaamounl Vou OVeRPAID Amount 01 IIn. 10 u want REfUNDED TO YOU. . Routing numbe' Acoount numbor Amounlo'lIn.esvouwan, APPLIEDTO'1"OUA,_ESTIMATIDTAX ... .7 IIUneMllmor.lt'lanUMI4. tubl,.lllnt"',omU".IHt. 1t'1lll.lt'le AMOUNT YOU OWE. Fo' dotall. on how to pay, _ p.go44 ......................... Eltimallld IU n . AIIO Includ. on IIn.OO. . . . . . . .. II 34 :III :II ~ :II :II 40 41 4a 43 44 41 41 47 41 41 00 11 . a ... 10 II ~ II .. .. 3 600 .. . P I 34 5 40 2 700 4 104 41 41 00 11 a a ... 10 II 66 II , - 4,038 FORM 1099 3 600 Undar penIWI' 0' IM'Jurv, I dMlara Ihl' I hava..amlnad Ihl. ,elurnal1d ICcomplrlv'no 'chedul"lfld .Iat,rnenta, II1d 10 Ih.IMi., o'mv II,.......... b,n",lh'V 'r, flu., CO,,",, II1d complel.. Oaclll'Uon 0' prep.rer lolh., IhlV' I"p'v"ll, ba..d on ell Infolmtlllon 0' .hleh ,,.,.,., hu...V 1I1'I6W1e.... Oala Veu, occupation DaVtlme 'eI.,PI"" """,1M, .11fH'IIIt ~ Vou,.I"""I.I" ~ SPOUI", 'tlNllur.. II Jo'nt relurn, BOTH mUII,len. ETIRED Oela Spau....occupaUon P,.pa,.,., Ilena'u'. Oal. ChllOlIlI ul'"mploVld 'II",'.n"", U,.I'.I",pl add,... ~our. dland 04-13-199 ~ GENE A. DRIYER. CPA,PA , 2107 N A D ROAD SUITE F NORTH CHARLESTON SC ZI'.od. 843-512-1246 II,.,.,.". INKI.. ...UfIly... 240-44-5968 57- 05771 29406 ~ SCHEDULES Ala (form 1040) Schedule A . Itemized Deductlona D.,.,I"*,I ollh. TI...W'., Inl.,... "'lvMUt ..,.,,1.. N_(IIlhownon'orm t040 .. AlIMh 10 POI" 1040. TERRY NBWMAN ....... c.utIon, Do noIlnclude ..pen... ,elmbuFltd Of ptld by othor.. .... I MedICItIonddtnltl..pon_(II.pogoA-11........... DentIlI a Inl.,.mol,lnl"om'o',"HMO,lIn.~ 2 34 521 ......._ 'MuIlIpIy Mn. 2 tbov. by 7.''110 (.07') ............... . Sublrtcl Mn. "rom Mn. 1. If Un. ". """.lIIon Un. 1, Inter -0. .. I S_ondlootllncomollltll . . . . . . . . . . . . . . . . . . . I R...._IIItIl(_pIQIA.2) ...... ........... 7 P.rtOlltl properlVllltll ..................... I OIlIer lilt... UII typt ond omoulll . T_ You PIIId (S.. p,tgI A.2.1 ,_, You_ (S.. p,tgI A.'.I Holt, 12 _II 1nl8rt1l11 nol " ded....b1.. I. QIfta 10 II CIwlIr I'YOUmaNI II l)IflMdDO" IMnefll'orll, 17 "'!NiPA-", II CMutlly tnd TMft ~ ,. _1Ipen_ ao MIl Mot1 0lIIer ........ou. DedUOllonI (S.. p,tgI A.I fof txpon_to dedUCll h"..) 0lIIer "'.........\11 DedUOllont T_ .......... Deduotlonl 500 2 589 ...... . . I 7 I 481 7 77 I ...... . 3 680 . Add Mn..llllroughB . . . . . . . . . . 10 II Homen'lOll...lnt.,..tMdpolnllreporllcflovouon'."nlOH. . . . . . . Home morl....I"I.'..' ~11.pcUI.d tI) VIN on 'orm tOIl. If paid 10 Ih, pe"onhOrftwhom VtN Doughllhl home,"". A,.:J and ,howlhl' ,.'Ion'. nMM, Idlnlt'v1ngno"lnd add'... . . . . . .. .. II PoIn1a not rtpOIItd to you on Form 10l1B. SII pIQI A.' tore.peclllrulH .................... 12 Inv.tImtnIlntero'" AIlIch Foml 48G2, If requlrtd. (SII p,tgI A-3.) ...................... l' Add IInll 10 IIIrough " ... . . . . . . . . . . . . . . . . . . . . . . GIIlt by calli Of chook, II you mod. onV ~ 01 ;250 or more, ... page A-4 . . . . . . . . . . . . . . . . . . . . . . . Olht, lIIon by oatil 0' chtck. If onv ~ 0111250 0' mort, ... PIQI A.4. You MIlT _ Form B2831f OYtr SSOO . . . . . 11 e."yovtrlrompriOfVll'. . . . . . . . . . . . . . . . . . . . . 17 Add Inll" through 17 ......................... ellu or thtft lOll II. AIlIch Form _. SII Unr_FItd tmplovll..pen... . lob tr.vtl, union dUll, job tduCllion, 110. You "IT ttltch Form 2108 0' 2108.EZ If requlrtd. (SII..- A.5.) . 21 rox P1ptttllon 'III . . . . . . . . . . . . . . . . . . . :l2 Other penll.. Inv_nt. ..,. dtpooll bo.. 010. UIl IVPe ......11I. D Add M I 20 IIIrough 22 ..................... 24 Enl., unlfrorn'ormtO..'\lIl'1e34 ... LM 34 521 aa MuIlIplyllnta4tbov.by2'llo (.02). . . . . . . . . . . . . . . . . aa Sub!lfo1l1n.2tl from Iln. 23. II Iln. 2S II mort th.n Iln. 23, .ntor .0- 'D Oth~ rroni 1101 0" p.g. A.e. UIIl\'pI .nd tmount ._" aa a ,. Fomll040, Mn. 34, OYtr '124.110O (oyor 182,250 If memtd filing ..porlttfvl1 NO. Your dtduo1lon II nOlllmlled. Add III. tmounllln th. 'or ~gh1 column fof IInll 'IIIrough 'D. Alto, .nter on Form 1040, IInl 38, 1II.ltrgIf 01 11I11 nt or your IIandard dtduo1lon. YII. Y dtduo1lon"", b.llm1ted, SII . A.' IOf th. tmountto .nttr. POI .....,.,.. Red........ Aat MoIloe, _ Porm 1040 InlIrUOllon.. EE. 350 80 75 75 690 l. 1888 AllIchmenl SeqUOnotl No. 07 o 1 294 3 680 430 Schodule.A68 Form 1040 1_ N""'(I) Ihown 011 FOfY'I\ 1040. Do nolent., nwne "''' totlll "11,,11., numIN' II Iho""" on oil'.' ,Iele. TBRRY NBWMAN OMB No. 1548.0074 P:I Yow ....... _Urtty .__ 177-30-7718 AlIaeIlI'nent &.qUince No. 01 . Adclllle _nt. on Nn. &. Enlt, tIl. toIIl ho,. and on Form 1040, Nno 9. . . .. . . You mull oompleta Ihl. pat! W you (.) h.d ovor 1400 of Intorlll 0/ O/d1nllY dlvldondo; lbl hod . fOIoIgn .e<:ount; 0' (0) .-vod a dlllllbutlon f,om, 0' wo,. a 9/a- 01, 0/ a lI'anolorO/ 10, a Io'elgn trull. 7. At any limo during 1_, did you havo an Into,.lIln 0/ a "gnllu.. 0/ othor lut/IO/l1y ovor a ftnanelll lCCOUlllln a fOIelgn counlly, .uch a. a bank aoccunt, IOCUrt1I.. account, c, oth., ftnanelll _nt? SM pago B.2101....ollon. and Mng ,oqui,tmtnta fOI Form TO F 110.22.1 ........... II ~ .V.... onto, tIl. name 01 tholOlelgn countJy . . Purlng 1_. did you ,_v. . dllltrlbu1lon "em, 0/ wora you tho 9/1nI0/ 01, 0' lI'anol.,O/ to. a for ntrutl7W'Vo.,' h.v.toftlatorm3&20. SM a oB.2 .................. X FOf 'Ill I _k R........... Aol _. _ FOfm 1040 I...,u_.. "" "_Ie. (pOfm IIMGI I. ,.rt I In..re.t (SM pIQOt 20 and B-1.) NoIIt If yeN _tel a Form 10l19.INT, Form 10lI9-0I0,0, oub_ _~om a__ftrm, Nil III. Irm'a nameutllt poyot 1lIld._ tho loIIIIlnIt,.1I Ihown on IIlll Iorm. ,.rt II Ordln.ry Dlvldend. (SM POll" 21 and B.l.) NoIIt If you ,_tel a Form 10l19.OIV., oub01l\ulo _nt"om a b,ok.,age ftrm, .lllll.ft...'o nwne u ttte pl~ and .nto, III. O/dlnary dlvld.nd.lhown on thllronn. ,.rtlll ,"or.llIn Accounll .nd Truell ISM pageB.21 Schedule B.lnt...t and Ordinary Dividend. NoIIt W u had ov., t400 In tolllbla Inlt,.lIln...ne, u mull.oo eta Pall III. I UII n...... 01 pav-', If any Inttrtlllalrom altll...ftnanotd IllOf1gIgt and tho bu~ .atel th. p,operly u. pononaI '011_, '" pogo B. I and 1111 thI. Inttrtll ft,lI. A100, olIow thll buyeI'. oocIaloocurlly numbo' and tdd..1O Amount . DBLPHI PILMS ASSOC SC PEDERAL CU .~I1L'/lfl4~ NAVY FEDBRAL CU US TRBASURY DEPT II'1f" fe/It'} I iOO "7"0 SCOTTDALB SECURITIES :I AdcltheamounttonNnol ., .... . ..... ...... . . ..... . . .... 3 Exckjdolllolnte..1I on IOrio. EE U.S. oavlngo _allOUtel a"', 18119 "em Form "1&1 Nno 14. You MUST ttttoh Form ..1& to Form 1040 ............... 4 Su_ ino 3lrom iM 2. E_ tho ,HUll h..o and on Form 1040, Nno &0 ... . Noll: W \/ou htel ovor t400 I dIv P II . . UII nome 01 payor. Inolud. only ordlnllY divId.ndo. R.port any capI1aI gain dlllrIbutlon. on Sched.... D, Uno 13 . USAA INVESTMENT MANAGEMENT USAA INVESTMENT MANAGEMENT FRANKLIN TEMPLETON ~ t:)"...t./ " , a 340 3 4 I Amount 477 442 1 7 .. - '.r 6IC,'-'<. . ~ m IcIllduIt D IFonn I040111lllI PIt_Mln..non,"O TERRY NBWMAN u IrII In . 17 CcmIlIne IIlII 7 IIIlI 1.. Nalou,golOln.'8. Ihlllin._,III.gIInonFOII1II04O,lneI3 ....... NeI1t CQrnpele FOIIIII04O Ihrough In. 311. Then, go 10 PIl't 1\/ 10 Wgure VC"" 1M I~ . 110III1_ II Ind 17 ... IlIin., -. . FOII1I 1040, In. .. I. mor.1ll1n 1110. 1. ~ lne 171.110.......... herelllld II I 0011) on Form 1040, lne 13, 11I1........ ol 11I.11 100110: 'Tile 1_ on line 17; Of 'l'3,OOO)or,WmanledlllngllPllldely.ltl,llOO) ............................. NIa1I Complete Form 1040 lllroughln. 37. Then, oornpIelelll. CepIlIIII.oIa c.ryo... ~onPIGID..1I: . Th.. on 111I 17...-.11I. _ on In. II, or . '0111I 1040 lne 37 I.... III n I III mum I I nl ltel ,. EnlIr~,__lnoomafromFOII1II04O,ln.38....,.,...................... 211 E_lhe....... oll". ,. or lne 17 01 Sohadule D. . . . . . . . . . . . . .. 211 :11 " ~ arellllng FOIIII_, _III. amount from Form 4852. lne.... . . . . .. 21 II 1"""_lne 21 from In. 20. 111110 or Ie... _, .0. ............. . a CcmIlIne11lll7111l115. ""lIOorle....""'.O. ............... a 1M EnlIr lhe ....... o! In. 11 or In. 23. but not 111I thin 1110. . . . . . . . . .. 1M . E_ ~, unmaplUrecllflIio" ueo IlIin, ~ InV (II' page D. 7) . . . . . . .. . . Add nnea 24 Ind.. . . ~ . . . . . . . . . . , . . . . . . . . . . . . . .. . 17 lubll'....lneatfromln.aa. ~llIOorl...._'.O. ........................... . Subll'.... lne 17 from In. 11. ~llIOo'I.....nt...O. ...................... . EnIer lhe ........ 01: , Tile amount on I". 18, or } . UI,3llO" lingle; 1420360" ""'lied tiling Jointly or qullllylng wldow(..); . . . . . . . . . . . . . 121,178" lllIIold tiling llparlllly. or ~,1l8O ~ hlld ol hou..hold 38 EnII' Ih......... 011". at or In. ae . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . II lubll'....lne aa from In. 18. ""110 or '- _ .0. ........................... II EnII, lhe..... olin. 30 or lne 31 . . . . . . . . . . . . . . . . . . . , . . . . . . . . . . , . . . . . . II Flgurelll.IM on III. amou,. on In.;sa. UN the TIM Tlbl. or TIM RllIlohadul... will""'".. appIIe.................................................. . 1M EnII,lII.amountfromllneae ....................................... ,. EnII,III."""",nttromln.ae .......................,............... . Subll'....lne3efroml".:M. " 1110 or I..., .nt., .0. ........................... 17 Multiply In. 31 by 10'110 (.101. . . . . . . . . . . . . . . . . . . . . . . . , . . . . . . . . . . . . . . . . . EnII' lhe 1IIIl..... oIl1n. ,t 0' In. 17 ................................... .. E_lheamountfromlne31 ....................................... 40 lubll'lollne:lt from In;-.,' . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . , . . . . . 41 Multiply In. 40 by 2O'llo &a). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41 E_lhe.......olln.aaorln.26 ................................... ~ Add MMI22 and 3:l. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. a 44 E_ tile amount fram lria 10 ......................... 44 41 lublr.... lne 44 from II". 43. ",110 or I.... .nII, .0. ........................... 41 Subll'....IIII40t'omH".42. 1111100"''',_ .0. ........................... 47 MultIply In. 40 by at'llo (.26). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41 E_lhe amount "om In. 10 ....................................... 41 Add In" ;sa, 31, 40. "nd 40. . . . . .. ................................. 10 Subll'lllIlne 48 from IIn. 41. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ., MuItIplyln'60byae'llo~' ......................................... III Add Inll 33,37.41,47. 51. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . " Flguralll.IM on.... on In. It. UN III. TIM ToIll. or Tox Rill Schad"'... which"" oppll.1 ... .. T. on ....... _ III oapIlII ...nl). Entllll1. _ ollne &2 or In.. hll. "'" on Form 1040, In. 40 . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . IU p .. ...--- 177-30-7718 38 31 II II 1M . .. 17 ,. .. 40 41 41 47 41 41 10 ., III " 14 FOIm 1116 Foreign Tax Credit (Ind1vlillll, e.-. TN'" Of NoIIIftIdenI AI.... Indlvldt.*) . A""" '" '- ,-' 10000000, 1011, Of 110- T. . ... ...In.............. OMS No. III4a,Ol21 O.,.,lmtnl " Ih. Tr...",v 1,llI.rNlI "_venue a.'VICD N.... 1998 AtlaChmlnt S ""'01 No.1' .................. Iho",non,...' o. 10'" I.. tlhltn TERRY NEWMAN 177-30-7718 UII . II""'" Fom'Il"1 tot.""" oalIgOIy of Incomo i_ bIIow. S.. ('1"1"'" of 1_ on poeo , of 1Il.lnllNctlon.. Chlok only on. boll on ..... Fom'Ill ,e. R.pOIIlI ltnOunto In U.S. dallll ..oept wh...1pIClitI1d In Pili II bIIow. eomp... 1Il11 lom'Ilo, _lor ID.. on: .[l!jpuoIv.ln_ d8ShlPplngl- .Dl.ump'lUI11dlllrlllulon. (_poeo4 oftll. liD HIgh wllhlloldlng ID . OIvld.ndl ~om . DISC Of lonnor Inlll1uOllonI bIfott oompllting fotm) Into.... DISC hD aen....1ImIIdon 1_ .. II _Inoomefrom DAnen".......ON Income I OCllllln dlllributlonl ~om. lortlgn lOurOlI outIIdt Ill. U""-d S_ Ondudlng o 11I11 COfPOllllon (FSC) or 10""" FSC Inoome ~om IOUrotl w""'n U.S. potHIIIonl) 1 RHld.nt 01 (n_ 01 oountlyl. UNITED STATBS ....... N you ptld lull to only on. tottlgn oountly Of U.S. po_. UII column A In PIIIIII1d Un. A In Pili II. II you poId ID.. 10 __ _ _ totolun oountly or U.S. po_IIIon, UOII _... column end Un. tot ..... oounlly or pooooIIIon. u n axa II Income or 1 rom ourcel uta I I . . tor '" 0 \ 'Of Of U... "'-.loll Ale InW Ihe _ of ll1IloreIgn _Iry Of U." po.......... . . .. .. .. .. . . . . .... . Groll InCOl'1'W from lOurOlI wltNn country ohown Ibou. end 01 Ill. type oIItol1ld 1Ibov.. S.. p.go 1001II.ln_0: Dtduotlon. _ 10._ (Ctu1lon. S.. pagol e ond 7 of 1Il.lnIllUClllonl): 2 Exponlll ....nItIIy r-..od '" 1Il,'ncom. on IIn.' t_h '-ntl. . . . . . . . . . . . . . 3 Pro .." Ih... 01 otIl.. dlduollonl nol...._y relMrld: . c..ttIn 11Im.... dlduollonl or ltInd..d d.duollon. 5.. InllluOllonl 98 8 II Oth.. dlduollonl (1ltOdl lIlll_nl) .. o AddHn..,..nd3b . . . . . . . . . . d Groll ro,tlgn lOureelncome. SlIlnll1uollonl. . . . GlOIIlnoome I,om ..llOurOl.. S.. Inll1uollonl . :14 52 I I Clvld.lln.3d by IIn. :!e. SN Inll7uollonl . . . . . g M~plyllnt3obylln.3f .. . . . . . . ..... 4 Pro rill Ih... oIl_..t ..p.nll. SN Inll1uOllono: . Homo mol1glgll_.1!. (UN wo,kll1.ot on pogo 7 01 tho Inlltuollonl). . II Oth.. Int...1l .Wpenll . . . . . . . l011l1 from rortlgn lOureo. ... . Add IInll 2. 311, 4.. 411, ond ,. . . 7 Sublr.ct IIn. 'from IIn. " Enllr lIl....uh .....nd on IIn. 14, 2. . . . . . . . . . . . . . . . . . Forel n Ill.. Plld or AccrUld (5.. page I 01 1Il.lnllruOllonl.) . 'Of"'" ..... poId or _r\lld . .. . 1 In U.S. ~"""I In foreign currency r.... wllhhtld .t IOU 'C. on: "'OU'l" foreign ,.,... ,,""or ac;u\~d M TOI" 'Otell" lUll ,.... or Mcrued .dd col.. II') lhlough $.IK NOlh., 'Ol"gn T.... wltM,eld at IOUle' on: '.....p&ld ___... oracClIUlld MRln'l t) Oll,ldlndl ."d IO~"U.. Nlnlll..' "'1')1'1 paid o'~cr~d tltAlntl "DlvhMndl "'d'o~IlI"" Mlntlrl'l A B C 66 1 Add IIn.. A lhrough C. column (v) Ent.. 1..101t1 .or. .no on line 9, I 2 .. . . . . . . . . . .. . I 'or .......-11 R......- Aot _. _ _11I11I.--.. ... 66 Fom'IlIl1 ('811I) 34 52! 66 4 177-30-7718 P_I I1'BkRY NBWMAN Form 1118(1_) 'M:. Figuring tile Credit . E"'*' .....unt lnlm UM.. Th_ are YOU' IolIl _gn tax.. peId or _.eltor th. ceIegOry 01 Income chect.lId above Part I . , . . . . . .. . 66 10 Cenybedc 0' oanyov.. (_h detelllld oomputetIon) . . . . . . . . . .. 10 11 Addin..' end 10 11 66 .......................... . 11 RlIducIIon In IoIelgn tax... SM ~ 8 oIth. InllNCllon. I. I. SublrIlGlUn.12fromiMll.ThI.l.thelolllamountollorelgntax....III.bI.fo'Q(lIdIl ......... 14 Ii"'*' _n1from iM 7. ThI.l. YOU' taxabl.lncome or (\011) from _.- ool1*d.lh. United S_. (befor. lIdlul1mlnll) lor th. ~ 011_ checllclld above Part I. SM ~ 801th. InlllNollon. ,.............................. 14 34 521 1. AdJ_1Qln. 14.SM~'oIth.ln_on. . . . . . . . . . .. 1. 1. CombIn. th. ......nII on UnN 14 and 15. ThI.l. you, nil_II" ...... taxalll. 1.-... (n the 'Hultl. ..... or ,.... you h.ve no forlign tax "lIdh lor the 0IlIg0ry olin"""", you ch..klld above PIII1 I. Skip InHI7througll21,) . . . . . . . . . . . . . . . . . . . . . . . . . . l' 34 521 17 ,............, EnII, amount ltorn Fonn 10<10, UM 37. It you III . n-.lelll" _, """ amount !rom Fonn I040NR, Una 38. _ Md trulll' E_ YOU' _In"""", without the dllducllon lor you, exempllon ........................... 17 29 117 c.uII..., n you ftgurlld YOU' tax uling th.lpIOIaI rate. on capital gain.. _ p... 1001 the In_on.. 1. Dhride IIn. 18 by in. 17. n in. Ie I. more than in. 17, .ntllth. "QU" '1' . . . . . . . . . . . . . . . . . 1. I............. E_emounl!rom Form 10<10.lIno 40, .... any IIT1Ol;nlI on Fonn 10<10, ina'41 through 48, and any I1lOI1llI8' 1_'" crlldll (!rom Fonn 1l384I) and 01_ 01 CoIumbl. ""HI"" homtbuye, orecll ~,om Form 8888) on Un. 47. It you III . non"lid"" all"" """ amount !rom Form l040NR, iM 38. I... any amount on Form lO4ONR, Un.. 40, 41, 42, and any mongage Int".1I orlldll (I,om Form 13M) end D1Ilr1C1l 01 CoIumb1. ",.Hlm. 11orTlIbuye, orlldll (Form 88881 on IIn. 44. __ Md trulll: E_llmOunt from Fonn 1041, Sch.dul. G, in. '0. or Form 8\10. T, IInll 38 end 37 1. 211 MuIlpIvUM18byln.lI(rnulmmlemounlolcreditl........................... 20 .1 Entor th. amount !rom ina 130' Un. 20. whlch..lIl. am...... It thI. I. th. only Form 1118 you are ClOtIllIIIIng, a1dp Una. 22 through 28 and """thl. amount on Una 30, 0lheIwl.., oornpIllI the Itlll Un. In P.rt IV. SM '0 oIth.ln....otion.. . . . . . . . . . . . . . . . . . . . . . . .. 1I1 Jl!irtN Summery 01 Cr.dlla From S.p.r... P.rla III (SH P'" 10 oIth.lnlltuotion..) 66 t 1.01100 4 104 ~ all C,IIdiI'Of tax.. on J..'lncome . . . . . . . . . . . . . . . . . . .. 22 :II C,lIdIllor tax.. on h1g1l wllhhuldlng tax 1111I"11 ............. :II 24 , CrlIdI1lor tax.. on talal ....I...lnoome . . . . . . . . .. 24 C<lIdIllor tax'l on plnglncorne................... 2lI C,lIdIllor t.... on tnd. f,om I DISC 0' torrn., DISC. ...... 21 2lI 21 27 C<e<lIllor tax.. on CIIIIln dlll11bu1lon.!rom . FSC or forme' FSC . . .. 27 I C<lIdIllortaxHone' .lUmdlllr1bu11on.................. 21 CrlIdI1 lor tax.. on aI Umtallon Incom. (III OIhll Incoma I,om ......... 0_ the nIted S_.).. .. . .. .. .. .. .. . .. ... 28 Add IIn.. 22 through 28 . . . . . . . . . . . . . . . . . . . . . . . . . . RlIducllon 01 CfIdI\ Ilf InternatiOnal boycoI1 operlllona. SM InlltuCllon.'., Hnl 12 on P'" 8 . . Sulllrac:1l1n. 31 'ronto.3O. Thl.l. you, fortlgn tax crlldlt. Enter h." II1d on Fonn 10<10, Hn. 441; FonnlO4ONR Una43'Fonnl041.SchlldulIO,Hn.2.;0,Fonn880.T,Hn.39. ........ .....31 66 21 21 30 .1 :ill 30 )1 66 "0 ...... ... o*,"on'. \1m TERRY HE P Nome FIDBLITY SERVICB CO FIDBLITY SERVICE CO TOTALS PAYER'S Name, Street Add....., CIty, Stll., .nd ZIP tOOe FlllEUTY SERVICE 00. P.O. IIOJ( llll&l21 CINCINNATI. OH 462lll>ll421 \ RECIPIENT'S Name and Addre.. ...... 01 ", 0.N1 uNJTO fa 0 MI1I1441.701U, 1"1,11,',,,1,,1.1,,1.1.1.1,.,11I11I.,,".11,11I1.11,..',.11.1 ROLLOVER PROVISION FBO TERRY NE\WAH 127 CHESTERTON DR GOOSE CREEK SC 29445.7016 r"YlR" '.....0110. --piiCIPIENT'S 10' ,A1."'511172~___L~11'~~Q.. 77!It.___ FORM ",...ft PAYER'S Name, Stree' Address. City, Stale, Rnd lliD tOOe F1DEUTY SERVICE 00, PO, BOX eo&421 CINCiNNATI. OH ~ll421 RECIPIENT'S Name and Addre.. I OtMMl 01 '" 0,111 uAUTO '" 0 0117 ........70111' ,,,1.11.1""""'''''',,,,,,,11I,,,,,,11,11,,,,,.1111I',,11., ROLLOVER PROVISION FBO TERRY N~ 127 CHESTERTON DR GOOSE CREEK SC 29445.7016 1099 Detail Lilting ur ~ 0, 177-30-7718 WI........"" Fedlt. SIat8 30 3,30 OIol11buton Code TIS 7 T 7 T t ClroIodilll1bu1lo1l 2. T...... """"nt OMB No '1l46.Ql'9 1998 Form Ion",,: DI.tributlone 'rom 'enllon., Annul".., Retirement 01 ProIIt-Sherinu Pllna. IRM, Inaur.nee Contrlcta, ete. TI'Il. Inform,lIon II belna t\JmIlNd 10 th. Inc.m.l R....."u. S~Q S SE_oon_ . Of IhI&hnce Pf"IW'Wml 01.0' 100I114'7 S 7 =-"" 11... · 0Ih0r COpy C For Recipient's Records 7 )( I ... 8e~=.oI 9b ol?i-"-__ ,O~ ... I 11 ._P.,.'O ....."""'bot __phononumiiOi-- 13~ 800-1544-1877 _1- __I!'~~L_ S '4 N....oI_1ty t6~_ S OopL11:menl of lhe Tr...ury . Inlem" Revenue Se"'lce I I I I I t ClroIo d__ 2. Te)tIO'.~ OMB No. 1546-0111 199E Fo,m IOU"" Dlolributlon. from P.n,'on. AnnultJ.l, ' R.tlrwmont 01 Proflt-Shoring Plan.. IRAI, Inlur.ne. I Conlr.eg, lie. I rhl.lfl~ I' '-no fumtihed 10 !he In'.",. ~lMtnull SWVIt. I S 6 Em_ oonlrlbutiona or 1fI.u;ince IHImluma 01.01 OOO'Ia411 S _ I 7 !l'..!.-"'" IIW a Olhor _. .1., SIMPlE COpy C For Recipient's Records 7 )( S 911 Youroon;on._o' 9I>T""".""""'__M~~.~ 101..1 dla'r1buUoTl ....,....,- _...-.__ _'__ % I 10 51... IJI, - Wllhheld 'lStiie/Pay,r's allllel1l1rfltMtr 12 ~~Llon r ~y~=~:t,':~-~ _u n r~CIPltfNT'SiD 10- - - - "^"" ......--.---__ 177'30-771 rcu.i~~i.1:~17bOi . r Aceuunlnumber---' .-.._-.. "'.-. S '3 l....,..-.- .,.,llhhold - CHRONOLOGY ....., """UES IN'" () 2/11/83 f~kQbilQlieA aegiAs ill Essie's Bensalem Apt May 83 Essie quits job at Xerox Fa\1l83 Move to rental house in Souderton, PA (355 Fretz Rd,) I Apr/84 Essie starts new job at DEC 3/85 Purchase home in Harleysville (348 Huckelberry Lane) 9/15/85 Essie's father dies Jan/86 Essie quits job at DEC 9/6/86 Divorce tinal . lirst wife 11/8/86 Terry & Essie marry 9/16/88 Sell her father's house in Camp Hill 4/1/89 Move into new house iil Middletown (Butler Drive) i 4/21/89 Settle on sale of house in Harleysville 8/90 Terry "retires" from Xerox. is kept on payroll two more years 4/91 Terry begins employment with Vanguard Cellular (Hbg branch mgr) 5/94 Tmy's job with Vanguard terminated (U.c. until Dec/94) i 12/94 Terry & Essie decide to end marriagc 2/16/95 Tcrry begins employment with Harbold Ford (Ilcet sales mgr) 5/16/95 Terry's job with Harbold's terminated 5/25/95 Settle on sale of house in Middletown. Terry moves to shore property 10/2/95 Terry begins employment with Future Enterpriscs (Phila branch mgr) 1111/95 Terry moves to rental house in Norristown 10/25/96 Tcrry'sjob with Future Enterprises tcrminated (U.C until May/97) 7/25/97 Terry retires to Charleston, S.C'. , CONTRIBUTIONS SUMMARY DOM - DOS 11/8/86 - 12/31/94 TERRY NEWMAN'S INCOME $598,505 ESSIE NEWMAN'S INCOME $16,500 HERB GERVIN ESTATE $152,563 , , ' , , , AeATIO"l 4775'1 TAX :!169b ASDI '190'1 10aC21 ~2'''4 A TAX 4429 4()91e oe TAX lsn t:T SGL 9'13 993 ~ET SG401 er: TAX 1000 OlKemlT 1 !9lS K A~CT 107.453 1127196 I I I " - Ace" ~ , "lo.oo . Adelphla 231390'197 'l4412C CI< AceT FOR ETHH L NEWMAN 41~0 KITrATI"IHv ~R ~eCHA~ICS3URG, PA 17055 , , ! DATE 06/04/97 1024.'13 DIRECT DEPO~ 3 - "'...,,'....'...."......... "III'....' ,.." r ~ -'13 2t 7 ".. 22~, 1~9 lOi 10247' .allu:",w , . , q'..787~o,:,:;lJU,' '1:'CtTI" C'A~r,I PA TAX A^'<:R I S" 4011(CO/IT 1'1223 4775'; 9921 444B 7"752 1;918 'OL I:1AY ~,"I') TAX "11 LOC TAX 'CC TAX CK ACCT 'Ide 44~ 1 ~91. r: cr;s Ar.r: OIL 1'1 PAYROLL "y o;:O'JF"~ ....AY 24TII 80.0C SICK Itr')IJRS ACC" 1'1'l.~O DIRECT OEPOSI V,~C l-<'.lURS Adelphia 231330997 5441~0 DATE C5/2J/?9 J~ CK ACCT 1C30.64 FOR :'T'~r:L L 'IEW~AN 41'!O KtTTATIN'lv JP, ~~CHAN1CS~U~Gf PA 170;! ,I - 'I i , , " "I, 1;., VACATI" CA S~JI D4 U\ 4"!ER r SG 4:)1 '<CO~IT /'""""i"43Zfl47 -"""""1";'9' 03 ":::',..1 ~1~.1 , . . FE'a TAX Zl'Hl P55' i-ll no ZOI')/ LOC TAX 159Z 14:\: 'JCC TAX 10( CK ACCT 101%5 9Z16~ " W1URS " ~ ; . SICK . VAC ACC'" eo.o~ 10B.~O DIRECT DEPOSI DATE 05/C7/99 31 Adelphi. 231390997 5441:!1) CK Ar;C1' 1030.65 FOR rTHEL L I\IEWMA" 4180 KITTATrN~V DR '~ECIlA'IICS3URG, PA 17055 - , ' , E. F~~ TAX HI LOC TAX OCC TAX CK ~CCT ~'l.~ l'~ 217" 1n!; 221 lIB 10;-, 121 10 10~4" '3186 VAC HOURS ACC" 80.00 SICK HQUPS Ace'" 103.50 DIRECT DEPOSI I DATE 04/23/99 ). Of Adelphla 2313~OQ97 544120 CK ACCT 1024.69 FOR ETfI, L L ~IE WMAN 41QO ~ITTATINNY. OP . uECHMlICSeURG, PA 1 N5! - 980 443 96 1591 .. -"1!.illL"-i'~9i.J31 "~ ~~'111!:~iiI~ FED TAX 217~ 151~ HI 22Q 160 laC T~X 1~9 Ill, OCC TAX 11)! CK ACCT 10=46 7161. VAC HOURS ACC'" 80.00 SICK HOURS ACCM 10'l.~0 I DATE 04/09/99 Adelphia , 231380997 544120 CK ACCT 1024.69 OIRECT OEPOS FOR ET!-Iel l NEWMAN 4190 KITTATINNY DR M~CH4NICSBURG, PA 17055 -... , , " >3 9142 5 HOLIDAY 157 47755 FE" TAX 21702 130.? 58856 I 229 137 26715 LO~ TAX 1592 9'1 581 IJC TAX 1000 10 9550 CK ACCT 101468 6136 " VAC HOUIIlS ACC"! ao.oo SICK HOURS ACCM 10A.C;0 DIRECT DEPOS I I Adelphi. 231330997 544120 DATE 03/26/99 3 CK ACCT 1014.6fl FOR ETHEL L NEWMAN 4180 KtTTATINNY DR MECHANICSaURG, PA 17055 - '. . 'I ,...,...., ~ ~ 1.5'1; 434': 40:;- 31, HIl: 9JlC 4,+0:;7 959 1 C ~..41 21 7~ ~ 22q4 1 ""2 t "71 3 E ~rll r2 L~A~E~ 2 1 ~? HOURS ACC" 63.'iO DIRECT DEPOSI VAC W"iJ"Z ..t ,"' l':C '.. I I Ad..phi. o 1/?9/99 ,- -' DATE 23t3~J~77 5~4L~O CK Acer lO:!4.41 FOR rTHCl l 'ir::'~"A'; 4L'0 KITTATr'i~v ~R ~:~H'NIC5~U~C, PI 17~~~ - - M...ntua '~a'na.t..ta.. ....a... '.0. I.. ItU N.. y..k, NY 1011a-a'1' 01971212 III 1111 m"r'llll III II ETUEL NEWMAN 4180 kITTATINNY DR MECHANrCSIURG PA 17055-91J8 KQ !ElrlNlaI 411'116J1L.r.1\II\ I...., . ..,_........ '111Mlli,,~ ,I 11141111II.. ." .. "ani ,., 11.lo'ItaIII. ." ...'*~.,. ." "', .'Il'~~'1'! 0' I.NtI" A'Ulj/"t lI'"tt lIlWlt '-"ltlll" Q..... ~..I.... A"~,,,, Clllltttl. MOMENTUM Employor NAmo, CO""o,IIO: P.~i"panl: Pnniclponl Numb." Soclol5ec Numbe,: Rotireln8nl Program, You, Reprllenl.i1ve: Telephone: AUQUSl06,1999 No. 9921807866 Page 1 of 2 AOELPHIA COMMUNICATIONS CORP. 91 GS13~6 ETHEL NEWMAN 97 2!1I SS5 187.~4.84?3 MOMENTUM SERIES KINGSRRIOGE FIN GROUP L TO (8a8)79~.KING II you ....d "'III.nc., p..... c." your "pnt..n"II.. .1 lho phono numbo, Ibo.., 0' CIII our pro....lng olllco lolllr.. 01 1400.521-0204, 0' vl.1I ou, w.b.lI. .. Www,oq~llIblt"..m. C.~ CON;F.I,A MAT,'I,ON' NO T le:e THI51S YOUR NOnCE THAT THE EQUITABLE PROCESSINa OFFICE: P,oeo,,"od 0 Contrlbulion. EMPI ()Vl:R MATCHING amounl LUll f"'port.d Account al'once: Currol.1 Aooount a.l.nol: limiLB FOR TRANSACTION EFFECTIVE DATE 08/05/18'8 Iarw':JiIlO Inv..lment ActcDunt S-ll.IlID CONTr: 'IUTION ALLIANCE GROWTH INV"STORS EMPLOVER MATCHING 'lNViSrMENl RESULTS BY FUND Iou1Jl,..}.~tl2n.: !1~oa""I.o AUlwvJlwlUl J1AsJl Illw!m La.. R,.polled Belenco: $l,g82?8 $1,OM,78 Numbfl (II Un"" 13.9531 6.1599 Conlril."lIana: $71.63_ Inv'"r."nt Reeulll: $39,64- $9.57- Current IIceoullt aalollce: $1,942.64 $1.118.84 Numb., 0' Unitl: 13.9531 6~78Ei ACCOUNT VALUES BY SOURCe d~m Curr",l Account aolenoe: $".1S0_64 1'~~t1~~ $1,39509 SUMM~RY OF CONTRACT ACTIVITY - 'ncepllo" .To-Oate Cont"butlone: Incopl/o:. -To-Olta Wllhd,~w.11: SS.73548 $,00 Solary Ool."a' Contribullon. 10' TI. Vea, 1999: Solary oelorral Cont,ibution. la, Ta. V.., 1991: $2,387.70 $3,938,39 AawlnL '71,63 $71,63 se,675.eo $8,684.57 QRljo, AmoUlll Unll Voluo .?1.63_ .171.069899 Alii.... Growth. ~ Alllllltt.Egultl.lnm>& M.446,31 $2.190,~3 220793 ~ 5754 $5.52 $8,13 $4.440,79 22.0793 '2,182,30 95754 ~'1t~~1~a $1.1IS84 ,.!~-';::'-:--' '\, / mIAL. I I I~~ . " , --! Eft.clive Dat. Auyu.t 05, 1999 on AlllI""' 04, 1 egll on A"lIu,1 05,19911 ~ts'a~~ 0.4187 IP_tAl. $9,675.80 $71,63. $62.86- $9,r,8~.57 . . ,\.,l00lk.I..Il.. *' COMMD~~~':~f~r UJ, ':~7~FlAN'" ~IT omc. lor 132 HA..IUUIlG ,. )}IOS.'31' - .. -~ AM . I ,AN MI ~~ Nt IA~I Gt~"'0~I'1.t:>tN~r_&____ ... .. . SOCIA licuiihNUM'" DAU 0' OUT" J' 01- 1.J.~'~.?~_.d _'~4"_f_ I!:.' (f~.J" [C,,,,, ~/"-J,i"-"NI:. .... _m__ .-../ 0 I I R 0 3 R.malndlr R.furn ad I. Original Rorurn 2 Supp .",.nlO orurn 0, LI I d' 0.. Fulwre Int.,.., Comproml.. 0 5. F.d,ral hla'. faK ., "'.. ."011 a. R"urn R.qul..d - /' 0 d LI T e Tolol Numb., of Safe D,potl, 80.... Wo, Otcld,nt Di,d T'lla't 7, Olc.d.nt Maintain. 0 vlng rUII _ ' ---.JA"ach ca~~II)_____. __n__ _ _ JAtI~c".coR~!!r~"ln.__ n _ ..... __.__ _.._ _ _________ ____._____ ALL COIII.,ONDINCI AND CON"DINTIAL TAlllNPOIMATION SHOULD II DIIICTlD TO, A iCi5.1it1'. MAllIN(j. .DOIIIU E7'''h.. L Gtxv;,v I ..IJ.r rIv";UiM".H't LAAJt. 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I d.c1o,. fhot all r.ol ..taf. hot bltn r.port. allru. marlt" yalu., O.claralion of pr.pore, olh.r Ihon the p.rsonol rtprtltnterlve It .lId on olllnlor"'Ollon 0' which pr. oror has any knowl.d8" )N;TUIIOJ:'~Ntl"'N:"O "LONO llUCN ~:Il;L"=L=:-1.:-- .._H____._ D-:: '~/f$' ~ ~,~ IHANnmIDinliVr AoellU .--------1- -1j':.LL.~.J.LLI_dIJjH___ ~_ I If I II ~ I a I I J /'! I. o:-.~ 7 INHER'lTANrlTAX RETURN I F'U NUMBER RES' DENT DECEDENT (TO 8E FIUD 'N DUPLICATE WITH REG,sTER OF W'LLS) i . . -iOIl:-'"O!N"S COMPlll,',tob.'S$ I ,g-/j" 1I.1<J++>tt'-'-lt A"'- j (!ArrL/) ",LL, /'rA '7~', ",,'/- ;-.)'- (, ,~3 c:~ ^' .'rfl 1'1,.-1 . 'I' I ! 1. R.ol E"oll (Sch.dul. AI I) _,!~, ..""0 ~ 0 _____> 2, S.och and 8and. (Sch.dul. 8) ( 2) _,~ "'. ~_~J..,_!.~____. 3, Clollly H.ld S.ockIPortn."hip In...... ISchodul. C) (3) __-=-_____._.________ 4. Mortgog.. and NOI.. R.coivobl. (Schodulo D) ( 4) 5, Ca.h, Bon. D'po.lto" Mi".Uan.ou. P."onol Prop."y( 5) -11.-~JL.i..L__ IScn.dul. E) 6. 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W'" I .. 1 :;~ .!II 111 "'T . ~ li'l : ! ~ It :;::0 - .. '" :'11 : ...- ... :Ii ! ~.... .. - \ 'III : i .. '" .. i'" .. .. U .. e .. ... , . e i", .. ... ..... i ~.. Jr.. " i~ I .... ~~ II . )~i11 ... ... ....t.. ... - ! ~.~~ 1'1'(' ...... .. !! ... e.. ill g; ... ... a l!!l ~~ lat ." . .. "oII'_W,,,.,,I, ..... Port '..1ft, ..., II 1_ _MI ...11. I,.... I,.,..."" ,., ijtbi~ l\ttb, ,!lADE THE 16th d.~ 01 SepHmbe~ 01 "'" Lord on, IAII","",J .i., A".d",1 e<.ghty-e<.ght I 19" I h, lA, ~..... BETWEEN ETHEL L. GERVI~, who ha4 4<.nct <.ntt~matt<.td and <.4 now ~nown a4 ETHEL L. ~EWMA~ and TERRY ~EWMAN, htt hU4band. who at40 jo<.n4 <.n thi4 convtyanct, 06 HatttY4v<.ttt, Statt 06 Ptnn4ytvan<.a, patt<.t. 06 tht 6<.t4t pa~t, GnaR'or ., eRd Ml LI~ CHE~ a"d TI~G.TI~G CHEN.CHA~G, hU4and -lind."',/1<.6'r. 06 th dty 06 Ha.H<.4butg. County 06 o~uph\<.n, St4H 06 Ptnn4ytvan<.a, pa~Uu 06 tltrzl"~ec'C)nd ~att. GnaR"" : -' .-.- .' WITNF.S.~F.Ttr. 1I11".m-ro..ld".lillll III SEVE~TY.fOUR-.THOUSA~O OOLLARS ...............1$ 14,000.001. Dolla", ..LIt l",n,I,,,u", Ih" f,'(I"/,1 Wh""III! ill h,'r""1I fuknoll"",'u"l. till' Ifuirlllrl'n'/l'" no 1a",bJ/ grG'" ,uti fUJlI'l'V I" Ih" 1t"i,1 U"''''''''~ ~ , ALL THAT CrRTAI~ t,art ot patret o~ land 4<.tuate <.n tht 80tough o~ Camp Hitt. Cumbetfand County, Penn~ytvan<.a., mott pa~t<.cutatty bound.d and de~ctibed a~ !olfow~. to w<.t: 8EGI~~I~G at a po<.nt at the notthetly 4<.de 06 Hawtho~ne Ot<.vt. wh<.ch po<.nt i~ ~<.~ hundted 6ive 16051 6eet we4twa~dty 6tom the notthwe~tetty cotntt 06 the <.ntet4tct<.on 06 Hawtho~nt O~ive and Thitty-Foutth Stteet and wh<.ch po<.nt <.4 al40 at the diV<d<lIg l<ne betweell Lot~. ~o. '42 a.lld '43 Oil the htte<.na.6ttt melltioned Pla.n 06 Lot~; thence atollg the notthetly 4<.de 06 Ha.wthotne O,ive South eightY-60u' 184/ degtee4 thtee 131 m<.nutt. We~l 4evtnty-6<.ve 175/ 6eet to a po<.nt a.t the d<.v<.d<.ng l<.nt between LOt4 ~004. /43 and 144; thence a.tong tht ta4t 4a<.d divid<.ng t<.ne ~otth 6<.ve 151 degtee4 6<.6ty.4even 151/ m<.nutt. Wut one hundHd 6ive 11051 6eet to a. po<.nt at the 40uthe~ty tinu 06 LoO ~04. '26 a.nd 127 ~otth e<.ghty.6out "41 deguu thtee 131 minutu EHt Hventy-6<.ve 1751 6eet to a. po<.nt a.t the d<.v<.d<.ng t<.ne between lot4 ~04. '42 a.nd '43; thence a.tong the ta.4t 4aid d<.viding line South 6ive 151 degtee4 6i6tY.4tvtn 1571 minute~ EHt one hundud 6ive 11051 6eet to a. po<.nt a.t the notthetly 4ide 06 Howthotne Otive, the Pla.ce 06 8EGI~~I~G, 8EI~G the 4ame pte4mi4e4 which Wa.4 conveyed unto He~bett L. Getvin a.nd ltene E. Getvi" by deed dated ~ovembet /6. '967. and tecotded in Cumbetla.nd County Rec,tdet 06 Deed4 066<.ct <.n Oeed 800~ 22.0. Pa.ge '32. The 4a.id ltene E. Gttvin d<.td 4e<.zed on Feb~ua.~y 26, 1919 thetby ve4t<.ng 6ee a.nd 4<.mph tHh in the na.me 06 Hebe~t L GHv<.n, 4u~v<.v<.ng 4pouH 06 I~ent E. Getv<.n. The 6a<.d He~bett L. Ge~v<.n d<.ed 4e<.zed on StpHmbt~ IJ. 'HS a..d by h<'4 LHt Witl and Tuta.mtnt he bequuthld and dtvi4ed the 4a.<.d ~ea.t e4tate by deed da.ted Oectmbe~ "~, 19.5. a.nd tlcotded <.n Cumbetland County Rlcotdt~ 06 Oeed4 06&<.ce, oud 800~ '1.-3', pa.ge 546. conveyed unto hH da.ughHt. rthtt E. Gt~v<.n, 9tanto~ hete<.n. '/ ~17 .... ., (;.;;7)./r.!.!::'.- ~ /~ C.",b. Co.. Po. !ch..l 0;,1. cu,,~, C... Po -l.' 1...1 I.",. T,.".'.. Tn ....... lul It..to "."".' ,.. . ---:---.. a-~:H .J7~'cI "0 I 37D<< ---rS"'" .~..~ \~. . ;L::>~:-':-!;-~ \~< lOOK b 33 ,.el 733 c:-. eo. 01.. CoL - I -,.. eo. 0101. u.~. V --. J . , . AND ,., ..Id g"~IIII". ....bW e..f.,IO' """IU'" IhM tl,," WUI....,.,.III .pce.(,UII 'h, "'~""'M h","U .o.uu.d, - COMMONWEAtTl' or ~[N',WLW.Nlt. = .. D~P/\~rMU,1 o. II' "'~N j~ ::: :: w,r' -- (,~) i 7 j '--0""]0 ~ : :~~ml.lI":'1I ;,;;? ~~'_.J ~ IN WtrNB8S WHEREOf, ...Id ,.....,.,. hllve A.."",lo ", tkc'(~ hu..... ....d ....I ,.. ..., .11" ".. ft,., ..bov. ..rllI'lI. ...., ...,.. ... ..,_.~..t~t.~;~:............................-.-...~ ____..":::::.::'.............1.. ii<~~,11'" .......................-~.i..A~.. ..T!llftY~l(il~AP..~.'....,............... .........................................................................)....,.,................,.......,.................................................~ '. . I co 1 ." co ... , '" " .... M " ~ ; "" :' :i~ , - ,., ..... , , - , . .' " ...., -, I :-.c ;,.' .- ':> :1', ... ,.. "."""1 ~ '.lI-wt - ..,,"".... - ~. '$ , '"1 8'.', of PUII."lvall~a CO""'U .f Cumbu land Oil 'Ail, 'A. , It It ~... dnu of Stpttmbe~ , "" , b.f." ..~. 'A' ,,"d....i'"'~ "61'''', p,,"o.olly ~PP"'ro'~ ETHEL L. GERYIH, now ~"ow" a. ETHEL L. NEWMAN ANO TERRV NEWMAN k''''I'''' 10 mr (or Jlali,,!oftllrilll ,",rlH"''') will' tll/' }Jt'l'xn1l4 whfJIU' ,,1/11I11 4 /I~f. 1f1l'.IIr."'U?tI'o 'A. NlitAi" illl'""",II', liNt coek"'IIl'/,du,'d Iho' t AI'" ,,,,,,,,d Ih., Hrl"" f'" 'h., III/'P.... ,.,,,1.. ,oll'oill,d. IN WITNESS WHF:RF:()F'. I h",,,o'. .., "'11 h"." n.d II,H.,., .../. 7J. . l' ~."; 'c' ~ ..~~ ~,., ......~ IItA. f) , . , JJ ~~7 rI~ ;'. ........ Tillr of OIJI,.", ~ l r.lm ~ll!'l ~611e CNIP HlI L r-"" ., .' . HLI~O CWNTY .;llTCJi;..~ ..;L~ ,,:.s MmH 4. I~I .... r . - .....b.." NOIII.. . IOOKD 33 rA:[ '135 ~ I; " r ,I' . .,.... ,.." Me /I. III, ltaHIH oIL, UIoIB!NHAUln h,oRIlh, h lAw ~Iilocu" ,'hlU 10" llMMII ~,n... '" Nr>n""lUlIN ~'nlll COLUMftIA. pA "... tlllA~1 ''''OWN.'A "... lANCA~..n,'A "'1)3 11.1. bt.AIl.ll.Il. b, 1I0UtlNo Allo lI""" DIVllo.IIIN, IUIl'MtNt ttATIMINt I IItUA l IIVA m .. ET-1617 . Uort.,-orIrIJclr.,tr, (.If Numb., ,n,. lo,m II lum,.n,d'o ,I.. ,01/' "."""n' o'ocl"., ''''',''',./ .0'" A",.".,. ".Id '0 .nd II, ,n, .,,,,,"'.,,, ."n' "1 .~o..n, II,,,,. "",Awl 'y".o e I" ....,. ,,"d IJll/ttld. "I~ flltH.'nq: ,,,.., ,." .h,,~" h". In, ,",,,,",,.,,,,,.,,, "","",., tmd ". no' 'ne/ud.d ,,, "., tO/.I, D. NAMtcwllOllllDllfllt, rNi\MiOfiiiir,;:--- -- -- r.NAMI OJ' lIP1DER: Gerald E. Tatem , Mar~ha A. Rotz-Tatem NEWM~N, Terry L. and Ethel L. Mer idian Bank -0. I'rIOF'lII,nocAiiONt-- 805 Butler Drive Middletown, PA 17057 Lower Swatara Twp. Dauphin County Jl. ;iiim...INT"iiim-.---." ,- -.- ------..-. rffiiiiMiNiDAii:- Michael J. Hohenadel Ri\Ci 0; ffiiif'MEN"- . ' .,. Hershey, PA' I'~IIO\IIEIlIIRAN..l~ClION ,ao. 01'1055 OU I, OU! FnOM sonnOW!R: 10' Coni'''' ..... "_, 220,000. or '0' ,.,tontI,,,,.,.,.., 10', SolI........ ,..."ii\'o .....,""'" /"nl '4001 - ---~-U9:-j(j ---. ,-_.- .ot, . , ..-.- ----- 101, Ad/IIt1m'''''/o"/,,,,, plld II, """ In .dv;;;;', --- I". tW"""""''' -.---- 10 10', t........... 5/26/95 '012131795- 963.27 101, Ai.......... 10 26Q.9' ~..,t. 5/26/95 1.6/30/95 110 ,......",.. 5/26/95 10 5/31j95 5.71 II', - III 0"'058 AMoUNr OU~ .. 120, 228,659.26. MoM 1I01ll'lOWM 200. AMOUNrs "AIO riroiilN BEIIAlF OF sonnowm 10. DtpolII Of ,,,ntlt monf~ 10,000.00 - 100,000.00 10' "tnr:""'~oI",wto~.. 10.. hl......Io'~" I.Un lulljtcllo It'4 _. /Of --- lOt. lO', - - 101 .. - lOt Adlu.'m,nllrO' ","'. on/l;,d by ..".. 110 - (11~"own 111111 '0 "' (ounI~tlt"1 In '" AU'I1"""" '0 III Sthooll...II" '0 '" Wllt",,,.,,,,,,,nt ._--~- 10 III ill j" - /1' _.- i'4 - ~~O. rOrAl "AIO 8y/FOIl 1I0l'llloWM 110,000,00 300. cAS" AT SrrnUI~Nr MOMlrO Bolirt6wM 101 0'011 .mount M horn bot'oW,r ",,,. ';0' 228.659.21 JOI tt" 'mountl,m by'for bol'lo,^,,' ,,,,,, 2201 -rnr,OOO.OO :Ioj, cASU Ill. tlloMJ 'U.tOI DOhHOW!1l 118,659.21 Assresate adjustment (normally shown on line 1008) May 26, 1995 400. 401 (r)".,..cl'''''IP"U 41)1 r"",,.IA' J1l1lflt'ly 'OJ "'. ---.-.-- '0' Ar1,uSlm.nlS lOf Il,nt, p,'d b~ nU" In IdvI"" 400 {'I.,flow" ',I." 401 (I)Ulllyl,'.,.1 5{26/95 408 ^~""""t1h 40' ~'llnn",I.~~ 5/26/95 "'0 )fIf}t"',.....-:.'.~~.',~ill6/95 10 '" 10 '012/31/95 963.27 10 10 6/30/,& 5/31/95 '" 420 OnOSSAMQUN'OUE '0 SEt tEn 221 229.96 m-llWUCfiONsmi'lMouNf7j!jE ,oSEll ;;;;;-i '"'' drp""l IS.. ms',ur;Ilona, \01 'mlr'""'~'" '0 "II,., tll", '400' -1.' \OJ ! ..".n9'0.1r~\1 1,111,11 \UbfUI 10 \0. r"vnrrn'fll\l"'O,Iq."Jf'Io,llll BancBoston _ 69.291.62 \0'5 _ r,1"r1".~~~'f IltOll90''''' 10"" ~.f!lL<l_F;ltJ~o_II.a.ru:!\g&I!D.-.r---- \01 SatisUl:t.imLlu Ino \0' ~dius'mp",s lor ,r,m" unp'id 6Y S''',r 13.50 \10 ('I~/I"""""'''.U \I' (nt"II~','.n \ii- Au'Wnt"" '0 In 10 ,. to 'III "hon' ,,,.,, \'4 ""''''f'IIt,.""".,,.,,, \II \1. '" ~, ,.. 520. llOO. 70 r A l iiEDtiC fiOiiAMOU"N, OUESUMI'I 87,074.37 CASH A r SE Tn! ENr ,o/F"OM S~lLEI'I &01 (j'01l ""lOUII' Iful' 10 "U" ", Ill" In, ",klf''"''l'''"'''''o''''1 riU,. ,,.1,,., rrr;;r 74 134 155.59 eoJ cASl1 ~ I TaIIU "'10411 S!llE" /01. 10), /0) /04 1- L. SI"LlMIHl CHNlGIS torAL s US/snol<ttl.s coAUllSSION hmd;;;;; I 22Q ,ooon 7 1lIW.1oot 01 Com/tIIUIOll IIIne 700/.' ;;'110'''': --.''.------ 1 10 Remax. _-==--:--=-::.:~ I 7.67.5.00 In Autuy 7.lnlt t_. lilt"........ .,. -ll.. 400. _ 0 .AIO '.OM '''''.OWI. , 'UNO' A' ""t.MlNT ,..",'.oM SlIl'_ , 'UNa''''' ,.nUM'N' 7OtJ. . l.5..AOQ.1lO... .-.._-- /JOO. "EMS.rAYAfll.EiNcoN.NEg!!.oF-lY!!!IlO~N -.=--- --.---- .-. -' --- 101. I_tit ....'n "'--______,___..__,_.______._____._._u___. ---..--- . 80l I....DlI<..;.;. ;..._ _._. ___ . _______ u _(41__ __.3.000LOO. 10) AjIp....".. 10 ..tf~.rk_."-._c!!ll!~n... _______..._..tdl.-_ _ .__250.00. ....., n" 104 (........... 10 Jqu~.{AlLli..Ul.t..tJ-___ __ ____.-idL_ ___._ 40.28 ~ It'''''-'lnlPfttlnn''' ___-__,._.. ._..__u... ._.._~..___,_._. ---~.- ~~'!I..._..~.'~...'!.W.!!-~~y.'- . _. - ~.__... -- ------- --.---- , _.,~-- -:~ A!tdC9n.a.LDi~c~uni.J>oindllJ.-:_~_.~-~.-.~.------ -'----- - . -----.--- ..,; '''odc"",,..,,~ile to \franumedca Flood Hazard {dr-- -.-. 2-5illg?~0 .---..-.-- '~i~ ~1!1~~~~~~~ J:: :: t~otmjbt:-R.: E. 'Tax S.~v~ ..-.-:.::.:...~.. (~r::'=-' =--- ~ :es .00 :-.~~---: ~~. -- .-2l'~'-oOo..i;i1J!JfoijiniD BY liNDin iaee rAiii ii.j},OVANci . .--- ..- --------... .-..-' . ~. :'~::'7~~i':ii/~t ~;;tj:l'~-:~____ ("~_l~li~ :3::- _ :=: 1000. ni~I~yJJfiiE;;c;s;JfI)iy",,~E.N_DE.I1.._.~~~~ .~...._ _.____ - loot ...u'uttn,,,,tnc;. 100J, ~I"'" '"W'lInlt' 100) (I, .......1' 1..11 100'. (ounl, ",opt.l, I.... '00' A""'JllllnU"",nll 1001, khoo' ..nl '00' 1008 ___.__'~~'~.~- ~-- ."- - ,.. -.__~~~"~_- --"'.-' ".. tnot"h,/111 .__...,__.___.~I~~"II~~_!'_.~~__. _ mOtl",,1I , .~_.I~'~~~._____..._._ _._~__. _ "KNIt"\ Ifill pt. ",""II" ;,,-;,;;;;T...----;.;-;;IUfll" .....--- -'--'-- _,___..____u._.,__.__'...___...______'..__ -.--..-- -~,-_.. ---...- .____~~II~h~ /H ! .... _ ..Y!.' !.!If!'~ ._. _ ..., __ _, _...___._.. .___..... _ ___ m,,,..h,,,, IIt'IIl""lh ._-, -- ---..-------...-----..---.. ,.-.--.-.----. -....- -._- "1tIIl,II"I , r,rr "''''1111 HOi'"'!H~cfl.~_IfQ~f--:_==~~_-=--~~-__ =_~=~=___._______ - - 110' ,,'U,,",", Of 111011'" ,,, III 1101 Ab..,...., Of '"" ","ch In "OJ ,..., '1",,*"1lI1on In '104. '"It lfuu,lnCf twndI, to . 10S Do<.....,~ ll<~P"""'" .n 1106. Not,'y I,.. to ~ 1101, An.Mr'. .,,, 10 IIIIClUd.. SlIo,.".m. 'IUmll".. 1101 'lilt "11UI.ntl In ,'nclud.. .110.. II.ms IIUnlllf/$; . lOt, ltnd,r'. COvt,. ' 1110 Ow",," (~.". I' "... rOI't.,ndoh'mtnflloUl No '" J. Ol,'n,,"man"" II II, ---, ----..-.---,.--.-.-- -. - ,.-- ..--.-------..-.--..--.- ---. ..- ......-..,.-----.--.---.-". ,-..---- --.--.--.. -..-...-- --.- ...--..-...---- .--- ----.~-.-. -.--..-- -,-------....-.. --- ...---..... ..,.........--,-,- ---.---.-------'.-.. ---- ----- --- -.---- .-.--- .__---11 .00_ . ...,---8 ..-------.' .-.-.--------- ..._~. .-...-.....-..........,.-.-- _ . __ ________...__....1. SteIlU.t. Ti tle. Guaunty . ell. ______ l1Qk!19.~LHq.LU.!Q.~L__.__ ._.__-1. 100,000.00 220,000,00--' --.----- -- --- . . -i09--' ..;.<:.:..-:-...::.J.l!2_y~i.T..~-==~ ---10~ -----.--.----.---. ---- -.. -...,. '200. OOVEtlNI.IEN r;iEc!i~!'.'~O_~_D_'"ANSF fn~~~"-GES ~=.-==~-::=__ .__-.:..-:-~~...~.. IlOt. .....dIn9,... Orrd130.50 --.-~14'''''130'50~~------1--' _~J.()O_. 1101. tM,,<...~, I..,.amp. u..~ I :noo. 00 _~.~~..I . H'_"___ _. __~. 200,00. l/oJ ''',I II."....... Orrd12Z00,00 ___~"!'!:'~~_.______ _.._.____. '_._" . _... _ h . . 1104, . . 1/01 James, Smith & Durkin;,(ilriil<j'preJ1:-T--------------- u__ - .. .- ". - . - ,3Oii.Afiij 'ON~1. smlll.ilNfcr;~iiGg-------- -. .____u. . 1)01 ~ Federal Expres~ ..------------:-=~= _ :~:_~2... 50 '10) "~ ,"_lion 10 Bowers Pest Control '10) 'Iax certification to Keystone'j;end-fran;fer -------------- 'J04 lax cert1ficatlon to Loret'E"irJiEz ----- - -.--f,'oo-- lIOS, Sewer - Lower Swatara Tw . ~uthori~ ._:~-=~_ ______ UlllI. tdtAl !l~ttlU'~~t cUAIlO~S ,.n'" on "..1 '0'. S.e"nnJ..d 1lO~. ~.dlo. k) 7.429.30 ,-.._,------ ... ~ .J"Q9. .!I.Q__ 75.00 ~.-.-.JQ.!iQJ _1..00__ 29. '75 17.751. ;.. .,.." Ilu'l'lf' ert,,,tufty rnvll!!Wed Udt .,UD - , ~ltlf'?m""' !l3lnt"m~llt ,,"rf II') Ill" hr...' ollnY kI10wl,.rl!J!'_ .lIef. It Is" Ir,.,...nll l'lrr:lllr1I,' ,'M"III,.,.I .~I "II ,,,r.rtl,.,,.. 1m" dl~hll,,,m,,,,I, m",J(I em "IV "r:eo,",t or hy Itll' I., 1111.. t''''ltnrUon Ihlllhor ,,,,fftv Illnt I "!tV" ..Ivrrt" r.0'1'I """. tUII'. '~II"'nlrn' ~I"'.",O' Wf AU' 10 In IlI~nlJn~FMHII (lr '"'In~ M ~'-, r011111 MI.JVF \ . . ~ C.' '''I. . , D~ -- 0VtH11 'J.'-~) /)If.ilC{L,.fL..I-ft~1 .JilMi ,'u, (_.J_;.....J... ".\ -t.- IIm,nWll' " ." . MINI ""A , /''-___1 Ih..IIU0-:11 Sfolll .n.", ~I~,",,,~,,l '" le~' '~~rftl"~ ft 111I0 """ "f.r.IlI~I."rrn"'" nIl"" hftn~ftrl "" '''ftyn r""~N"" ","Ir""~o Iho It"",. 10 "7rl,,,"j..ti~'rl.oe. "II hi ,''' /. ~;d / /'/ ' / .-' d' --- ~ C'-) /"""- t /" / {'t,_ ... // ~ (, /{,: If, /'6 - ./J S II '". ^n""I' llnl. WAnN.Hd: It I, " r.,' now'ugly ",".n "1111II" IJII,tnn,""" 10 lhlt Unllarl Sht'.. an Ihl~ "' nllY nth" shnlt", 10"" """,,IIIl'l1ll IIrnll rnnvtrHnn r.1t" '....1.""'. II". 'net 1m !IIlnm.nl ro' ".1011, orn' 11110 I~ U ~ Code Sltell"" 11I01 .nd Soello" '"10. R".",. Of · ESSIE NEWMAN. 4180 Kinatlnny Drive Mechanic.burg. PA 'J"55 (717) 7,1-".", TIlls KF.SIIMF. WIl.1. EXIIIDlT F.XTF,SS/\'E t:XPEKII:Sn: IS 1'111: AREAS OF ISHRSAI.IORPOKAn: IR,\lSIS(;, l'IISTOMER SF.KVII'E, PROJECI' MAN'\(;E~II:,S'I', AIIMISISTK,HIVt: SI'I't:R\'ISIllS ANII "AS,\la:m:ST, ('()\lflSE CKEATION "NIIIIEI.IVERV, AND Pt:H.SONAI. l'OMPI"rF.R IIt:SKreJP APPI.Il'ATlOS l'I.ASSKOOM INSTRI'1 "nON, PIUlFESSIONAJ. EXPERIENn Ilvpf.RIUN 'fEl.tTOI\tI\1l'!'\liICATIOI\S, Itarrlliburi. PA May 1~7. Pnunt MIlItIlNt" ('u.""",t, Jrn',u Responsible ror managmg all depanmenlal funclIons mcludmg establislllng and enl<>rclIlg poliCies. resolvlllg C\1stom~r concerns. interviewing. hiring. and tcmllnallng sl~'rfmcmbers. wntmg and dl,.'hvl:nng performance: appraisals. bandling dlSclplmal'Y acllons, PlllVldmg cmployee motivation and gUidance in the areas of profeSSional growtli and developmenl, Implemenllng new procedures. escalatmg ISsues as needed, and monllormg daY'IO-day aClIvltles to ensure smooth operation, Accountable for all order entry, trouble reponmg, credit and collecllons functions and billing IIlqulries for lIarnsburg. Lancaster. State College, Scranton. and York Pannershlps. Established entire Sian up customer servICe department tram ground up 10 the fully Slafred depanment and call center illS today 1<" each of Ihe pannerships menlloned, I\!\OWI.[UGESOn, tlarrisburll:. VA ".b. 1996 - April 1997 P,.,jtC'1 Mllnlllltrllnstrucwr In addillon to instruclIng desktop appllcallon classes one day per week. I was a ProJect Manager in the ProfesSIOnal ServICes DiviSIOn of the corporatIOn. Pnmanly responSible I'" planning and directing the Implementallon of pro)ecl tasks and delivcrables. To that end, ussignt!d resources, assessed and reported project status. and motivated olhC'I.;,to achieve project success to ensure profitability, Sm;o, EJUL'IItion ('on.,'ulta'lI Returned TO the l:orporatc office to assume management responSibility for one of our most strategic accounts, Functioned as the lead consultant for the account. supervlSmg two aSSistants who handled the dally administrative tasks. f."JUL'lItioll ('omullllnl fo, ("O'PO'IIU Account.' Managed all aspects of compuler skllls assessment and lrainmg for KnowledgeSoft.s largesl corporate account in accordance with cOlllra"ual gUldeJmes. Was stationed on-slle at customer locatIon to ensure that the highesl possible levd of customer servkc \txcellenl:c was consistently maintained. RtfOllnl1.td Afco"'pli.fllmenl,f Dl'~'do"t.'d salt's It.'lId with (.'orporall' ac(.'owlt whidl n'.mltt'tl in a training ,"ontra'" that prrwidecl J.gmfkcJlIl rL'l't.'lUu'.Im'lhc.' L'orrUU'tUlOfI. R""('('Il'l!d (4) Jour OS.C.A.R. (Qutslmuling ~ervice to our r.uJtomerJ IS -ilway.\' ti.....cogm':l't/) "m'WUltlm,,~'_ fnJlitult'cI.f/mvll!s.'i pro('t.'J.\"('sIor Iwndl"'K paperwork/or both (:orporalt' tJ('('ountJ I mmwg('d n:hieh L'orrt!('/t'd pr('l'IOU.\' prohlt'nt'i ami dramati,'al(v m'pro',:eLI rellltionships with the L:UslOmt.'r. DIGI.,.L I:QI'IP""" I.'O..O..TIO_, BI.. B.II, PA April 1984 - J.n. 1986 I.tud CU.flO"," "'''",;n;,f/'III;I111 Sptcillli.ft Funcllonco as Supervisor of the Customer Administrative: Servll.:e:s Department. Reviewed sensitive customer issues and performed on-site ViSits as l1L:ccssary to ensure- I:uslomer satisfaction, PrOVided training and continued gUidance to admmistrators. Offered direct pcrformal1l"\.' appraisal '"put. Conducl1:d remote branch audits and reported finding. along with Improvement recommendallons. Identified. Invesllgated. and resolved problem ar... Within the depar<menl. Rl!follnit,f!d AffOmpIiJh""nl.'i (''-I.'all't! alltl Irllf'lcml.'1Ill'd trlllmnK ('.III1',\'C,\ tfl',\IJ.:1Il't! fojim,i!i(/rlzl! th(' ,\'ales force with d('f'lIrtmt'III111 P(I/,,'/(','\ a1ld pron'tfllrc,\' Awhflrt'tf trlllllUlg 1IItUIIWl!i-". "t'~\.-' admuPJtmtn:l! employee ilu/ruction, XF:MO.'I( CORPml,\T10N S'PI. 1979. M.y 1983 Phlhadtlphla, P'\ . ("U,HO,"" AJm;ni,f',at;on Sp,d"Uu Responsible for th,: ledtnll:al managl'mcnt and prncl'\iSlllg of ('t1slomer orders and e4ulpment related transactions to ih.:curatcly create and rnall1talll thl.' corporale I:Ustofllec order tiles. ReViewed and approved customer contract dOI.:Urnl'l1l~ ttlcnsure I.:lllllpllarKl..' With I.:orporale pol II,:)' ASSisted In new program Implementation and new..hirt HaIIHnl!, MUII\I.ulled SUPCCVls()ry rt..'spIJllSlhIIIIICS 1I\l:ludml.l t.:ompillllg largct rep(lrtq and provldmg management hal:k-up to dl:partmr:ntal Sluff RtSUM' ill: En/, N'..,,,,"H XI:MClX CClM,uMAnu, -Continued C.mp lilli, PA. {'o",,,,lnlon Sp.tiD/I.<I Ensur.d correct "omp.nsation of branch sa I.. repres.ntative. and manasemem. Pruv,Jed adv,celll management on p.nding comp.n.ation payment and proc.dural chang... Conducted In-d.pth traullng "'S1on. for .al.. force and manag.ment on 911 up.c" of compen.ation. Identilied and analyzed commiSSIon payment problem sourc.s and mad. reconunendations for correction, ReroRIt/:~J Arro"'pl/,~hme"',JI SI.'/I.!('/l'd to partletl'm.! III 11)8J nmrpt'".wl'-mt Icuk !c,rfl' CIll'orportltl' ItL'culqutlrtt'rJ RL'eL'l''''1.'11 E,'xed/'!fIn' Au.'tlrrl for "''''-''''''lIl11g Ilh' IIIh'grll)' of tilt' L'fumm.ui"" J.l'JtL'm Wi ldt'fr/!tit'c/ d"""'K a hr",,,:II lIucla, Cho.\'en to p"rlleipellL' In IIII.' Mcma~wmt'nt Rt'.wt/rfl'J Plllmrmx Pro}{l'Ilnl \\'ltldl prOl'ML'c/ t'.\'I.'IIJIW mclflcl/o:l!""',,1 trlllmng_ SdL'('/L'c/ for a Jpt'L'ialt:t!d L:or"or"/L' "t"'Xl'lll'cm," ,\tlltlcl.\',\"~'Il'd to a,But ImUldr t~fl;n'J IlmJIIgJrom Ilrt' ('(nwtry with clICIKno.\'/fIJ.: "nc/ "t',wl\'ing fl.\('r pro hit''''.\', trollhh' Jlwotmg, cuftl IId\'-IIII'" trm""'R LJ.'wlopl!c/ Cl('tum plmr.\ .for oljin'I'L'I',w,,,,d t,: .follm..., catd' ow' cll'portun', c1nd,mH'icll'll o"-~OInK J.:mclcmn' clnd ,Hlpport hy plIO'''' Wi "L'L'e/t'd Camp 11111, PA . S,.lo, o,t/., At/",lnl."'DI.' Processed cuSlomer orders. Validated corporate asset data through reporl reconeiliallon. RtrORltited Acro",pll.flt",ents: Commt'nclmum rlt.ff!i\'l'd lor ml.'L',mg and ('.,(fl'l'dmg ,'orporlltL' 'argel.\' cJnd O~i{'('ti\"L'.'i. facilltatL'd Quality Ctrc:/" Program elful We1.\' rt>(,oMlli:L'd.flH' p,.odll('tn'i~v ,'rr/limn'ffWfl/ .'illgg('stio1l.'i t/rat waL' imph'IIlt'ntl!d by tll(' ('orpormum EDlICATION A.S. Liberal An,. 1972 - Harrisburg Area Community ('ollege. lIarrlsburg, PA COMMlINITY AFFILIATIONS PREVIOUS VOLliNTEER ACTIVITIES: Provided IifNkills counseling to inmates at Dauphin County Prison. lIamsburg. P A, and to young adults on pmballon for non-violent crimos in Bucks County. PA, Aucnded extensive training courses in the psychology of deviate behavior and the development of IiSlenlllg. communication. decision making and probl.m solving .kills a. 9 counselor prere4ulSlte. Scrl'ed as hecullve Vice PreSident for Capllal Mea ManagcmentDcvelopment Network (CAMDN) and contributed a monthly column to the newsleUer for two years. Recell'ed 1995 Officers' R.cognition Award. CURRENT VOI.UNTEER AC'TIVITIES: A. President and memher of the Board of Directors for Spay/Neuter fund. Inc" I over,e' al\ aspects of the organizallon's operallon and profitability. coordinate fundraislng effons. foSler good working rehllonship. with participating veterinarian,') and sponsors, and rcnolvc sensitIve issues as they anse, Previously served IS Phone ('onunlttee Chairper.on and Treasurer for the organ"allon. AIlDlTlONAI. TRAINING ANI> SKIU.~ . Completed Dale Carnegie Truimng. · Completed Internal CUSlomer Service Tralnml! course based on the buok "Fabled Service" authOled by B.tsy Sanders. fonner Vice PreSident and (icneral Manager of Nordstrom. . Completed the followmg .oftware tramlnl!: Wi"dow,\' 3./ D(I,\'ktop Proff.,(.t ,,() Mmlllj.{l''''t'"t n,f.'oy)', b'trot!tu'ttrm (Jnti A,/vcmced Word 7. () Le'y," J Excel .5. () Worh'!"'L'lJ alld Clwrtillj{ curci Orj{tmrzi"J{ DtlIa Ac('{'.\',\' 2,() LL'\'L'II O""n(m/tn! 10 thL' IlIh'm('! fUlfl AlltllOri"K lITA-fL Basic Notl!sIB(wmd BUJ'f.\ 4, f) C,'{' mcu1}, () Introdll('tum alld Not,.'.\' .t, j Mart Introduction to Naworking Or/en/cuum 10 Wmdmr.\' NT ""f) Worhtallrm PowL'rPoint 7 () lfllrodllctio" (.\'uh".i"td In Con/idat"t.t) PDN'} ASSETS OF THE PARTIES Plaintiff marks on the list below those items applicable to the case at bar and itemizes the assets on the following pages. JL. 1. Real Property JL. 2. Motor vehicles JL. 3. Stocks, bonds, securities and options 4. Certificates of deposit JL. 5. Checking accounts, cash JL. 6. Savings accoUnts, money market and savings certificates 7. Contents of safe deposit boxes 8. Trusts .x.. 9. Life insurance policies (indicate face value, cash surrender value and current beneficiaries) 10. Annuities 11. Gifts JL. 12. Inheritances 13. Patents, copyrights, inventions, royalties 14. Personal property outside the home 15. Business (list all owners, including percentage of ownership, and officer/directo~ positions held by a party with company) 16. Employment termination benefits.. severance pay, worker's compensation claim/award 17. Profit sharing plans JL. 18. Pension plans (indicate employee contribution and date plan vests) 19. Retirement plans, Individual Retirement Accounts 20. Disability payments 21. Litigation claims (matured and unmatured) " 22. MilitaryN.A. benefits 23. Education benefits . ' . 24. Debts due, including loans, mortgages held ' ' JL. 25. Household furnishings and personalty (include as a total category and attached itemized list if distribution of such assets is in dispute) , ' JL. 26. Other (Jewelry) . ' MARITAL PROPERTY Plaintiff lists all marital property in which either or both spouses have a legal or equitable interest individually or with any other person as of the date this action was commenced: Item Number Description of Pruperty Names of all Owners I. 805 Butler Drive sold 1995 proceeds split Middletown, PA SO/50 I. 157 Heron Lane sold 1997 proceeds split Mannora, NJ 50/50 2. 1993 Honda Accord Husband 2, 1985 Plymouth Wife 3. Stock: 100 shares BMY all stock sold 300 shares XOMA profit split SO/50 300 shares NELLCOR 919 shares Vanguard 500 shares Phoenix Tech. 300 shares Stryker 3. International Thoroughbred Husband's possession purchased prior to marriage by both Husband and Wife , " " 3. Delphi Films Husband's possession 2-$5,000.00 partnerships purchased prior to marriage by Wife 12, Wife brought to the marriage approximately $110,000.00 in cash ,I,' and assets she inherited from her father's estate. This money was converted into the marital assets. 2 . .1 PROPERTY TRANSFERRED Item Description Dote of Person to Whom Value at date .JL of PrQperty TrAnRfer Transferred of aquisition 1. 805 Butler Dr. 5/26/95 sold $ 197.000.00 Middletown. PA 1. 157 Heron Lane 9/1997 sold 30.000.00 Marmora. NJ 1. 1985 Plymouth 3/1996 traded at SWl Motors 14,000.00 for Wife's benefit 1. 1996 Mitsublshi 6/98 sold 24,400.00 Eclipse Wife received proceeds Item Value os of Dote .JL of Transfer 1. $220,000.00 1. 40,000.00 1. 1,000.00 1. 17,500.00 , I 4 "'IllMH.' 4/)1'1"" '.-CI.4.I" J.,rlll ,. O'U'''O'' OO\'ItWIlI 'l'mJ' unl "" 131<:<: 1\ 1.1': Y ,:-.; :\ I If q,,~.. 1I,\lllll'd\1 I,', 1'1"' <XI Z 0 r.l E Q ~ < Q ~ ~ . Z < ~ ~ . ~ ..I ~ ~ ~ ~ ~ ;; ill " C . >- W ~ ~ ~ ~ ~ ~ Z ~ : . Z ~ f-o c '" ;: '" >- Z . : Il. II: ~ . r.l , ~ C 0 0 < C ~ oJ ~ ~ '/. II: W ~< " " fI ~ U <fl r.l ;; I!l II: < =:: ., . . '1 ,\ I) I) t '- J \'\ ,\,',1;1' I' ETHEL L. NEWMAN, Plaintitf :IN THE COURT OF COMMON PLEAS OF \ ~I ~~~t :CUMBERLAND COUNTY, PENNSYLVANIA v. :CIVIL ACTION - LA W :IN DIVORCE TERRY L. NEWMAN, Defendant :NO.96-2815 PRE-TR'AL STATEMENT This is a divorce case in which both parties wish to divorce. The outstanding issues to be resolved include equitable distril:>ution, alimony, alimony pendente lite, counsel fees, and expenses. I. ASSETS A. Marital -- Please refer to the inventory which will be filed. B. Non-Marital.. Please refer to the inventory which will be filed. II. WITNESSES A. Expert Witnesses .. Pension Evaluator. To date, we have not yet received a pension valuation of Defendant's holdings. B. Non-Expert Witnesses .. Plaintiff ?nd Defendant. No other non-expert witnesses are anticipated, but Plaintiff reserves the right to call additional witness\\s or rebuttal witnesses, if needed. III. EXHIBITS A. Account statements produced by Defendant showing his pension and IRA holdings. B. Statement prepared by Defendant showing the current value of his holdings. B, Pension valuation when available. C, Tax returns. D, Wage infonnation for both parties (current paystubs for Plaintiff), E, Plaintiff reserves her right to supplement this list of exhibits. if necessary. I IV. INCOME Please see Plaintitrs Income and Expense statement which will be filed. V. EXPENSES Please see Plaintill's Income and Expense statement which will be filed. VI. PENSIONIRETIREMENT BENEFITS Pension valuation when available. VII. MARITAL DEBTS Please see Plaintill's Income and Expense statement which will be filed. VIII. PROPOSED RESOLUTION Based upon the figures provided by Mr. Newman, and without the benefit of a pension valuation, Plaintiff believes that $266,050.59 worth of Mr. Newman's pension should be transferred to Plaintiff. IX. ESTIMATED LENGTH OF TRIAL One full day. . "" ~o 0 ~> h " \~ ' .Jg ~ j . ~ i " 1-.., .l>.~~ :< '<.... - ~ :5 I :i ~ R ~ - ~ - '" !:J ~ 0(' ~l>.I ~ It~~ ~tz~ O~~~ '" ~;< ~ ~ .... :> C ::J jo.I_ ...j ...j ~~ Q '(jVl~!::: ~~6 . '"Q~ ~z e:, >- :i ~ ~ ,,~ 00<0 ~ ~ Q '!'l :c c.. IU f-oU~Z ,0 z ~ G; ~ ~ ~ ~~- ~ ~~3 ~~~~ o u u ::! ~-<:r- r- ~~ ~~ ,',I I. d.t',', . " I \'1'.l , .. .1. . ' . . I , I .'/ . "II jj~-( It! '/~/'<'t11' ~"'" F 'ml;1I'LJArAHLI'.'(j~NI)Ol"'I"'m1,l'rS 1'141 l'ltlllltli tlbl'lI'lIlOIl)J)IIAM Itt~I.r" 11}/11li',ln21'l411I'M ETHEL L. NEWMAN. Plainti ff IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 96-2815 CIVIL ACTION - I.A W TERRY L. NEWMAN, Defendant IN DIVORCE PRE-TRIAl. STATEMENT OF DFFENDANT AND NOW COMES Defendant, Tcrry L. Newman, by and through his attorneys, MARTSON, DEARDORFF, WILLIAMS & OTTO and tiles his Prc-Trial Statement under Pennsylvania Rules of Civil Procedure 1 920.33(b), as follows: I. The principal marital assets of the parties total about $665,078.30 as follows: (a) The marital portion of Husband's IRA, whieh was $434,290.00 as of the end of September, 1998, being 52% of Husband's total IRA, which was $835,171.00 as of the end of September, 1998. (b) The marital residence whieh was sold. The net proeeeds were $134,154.00. (e) A New Jersey shore property which was sold. The net proceeds were $37,918.00. (d) Jointly held stocks sold for $58,243.00. (e) Delphi Films partnership which was liquidated for $437.30. Husband has non-marital assets of approximately $55,000.00 valucd as of the end of July, 1 9911. 2. Husband docs not intend on calling expert witnesscs at trial. 3. Husband docs not anticipate that any fact witnesscs other than the parties will be necessary . 4. Husband intends to offer into evidence the various financial statements and related documents of the parties. These documents are too voluminous to attach, but all documents believed to be pertinent to Husband's position have been provided to opposing counsel. 5. Husband is retired. He receives no income other than interest and dividends generated by his IRA and other stocks. 6. An expense st,ltement will probably not be neccssary as both partics have comparable expenses. 7, Husband's IRA (as well as his other, non-marital investments) arc ullmarketable securities. 8. Wife has made a claim lor counsel fees. 9. There is a dispute as to the distribution of marital assets. 10. There is no marital debt. II. Hasband would propose that Wife receive 20% of the marital assets for the following reasons: (a) Husband is 61 years of age, having been bom on August 7, 1937, and Wife is 46 years of age, having been bom on October 14, 1952. (b) Wife is gainfully employed at about $30,000.00 per year, while Husband is relired and his sole source of income is Irom his savings. (c) The marital assets were almost entirely contributed by Husband as Wife refused to work (beyond sporadic part limc work) during the marriage, even after Husband's jobs were e:iminated and he was forced to "retire." (d) Wife dissipatl'd marital assets by prolligate spending. (e) The marriage was relatively short tcrm at about 8 years from the date of marriage on November 8, 1986 until their final separation on December 4, 1994. (I) There arc no children of the marriagc. (g) Wife has the greater opportunity to acquire future wealth. If she invests her 20% share of marital property, she will have assets comparable to husband when she is his age. (h) Husband brought significant asset3 into the marriage (appoximately $30,000.00 from settlement of the divorce Irom his first wile); whereas, Wife brought debt (approximately $6,000.00) into the marriage. (i) This mmiage was not an economic partnership; wife contributed absolutely nothing to enable husband's income or career, and, in fact, refused to help the marriage financially by going to work even when husband lost his job. 12. Wife's twenty (20%) shW'e of the marital usscts would bc approximately $133,015,66 of which she hus already been distributed a tolal of$\\ 5, I 57,00, leaving $17,858.66 rcmaining to be transferred to her from Husband's IRA. MARTSON DEARDORFF WILLIAMS & OTTO By "~~",,it._,.s.__ Thomas J. Wi)" s, Esquirc Ten East High trccl Carlisle, P A 17013.3093 (717) 243.334\ Allomeys for Defcndant Date: October fl., 1998 , ' " ,,'; ,-II,' , ' , , Terry Newman - P9 2 11I.1,n. IIIll Exll"\W Statcment P ACSES Case NIIIIlbrr OTHER (Fill in .~ppmpri.lC Column) INCOME WEEK MONTH YEAR IlllCmlt S S 18 S Divillcnds 91 PC1IlIilln 3.500 Aluwhy SIll:ial Sn:urity Rents RIIYlhin Ilx!1C11.'lC A~~nunl Gifi~ U llClllplllymelll CllnlpClIllIIUlI1I Workmcn'~ CllnlpclL'lIIlillll IRS Refulld Oilier Other TOTAL $ S 3,609 , TOTAL INCOME $ (Fill in Appmpri9lC Culumnl EXPENSES WEEK MONTH YEAR Hom. Mnn'I,c/Rclll $ MahllClIII...e UrililiCll EICl:rri~ Go.. Oil Tclcphlllw s 352 30 s 97 61 Terry Newman - P9 3 hll:llO. III1l1 Expcl\llC SlalColCnl PACSES CalIlI Number (Fill in Appmprille CIlI\IIIID) EXPENSES (CllIIIlnlllcl) WEEK MONTH YEAR Waltr S S 26 S Sewer 28 Imploym.... Public TransJlllnaliulI S S $ LUllI:lt TulS Real ESIIlC S S 40 S Pel'5lllllll Pn.pcny 62 11Il:1l111C F..d 337 State 97 rllluruICII HIlIltl:IIWIlCIll S S 44 S AUbllUlIbile 72 Life 17n A~~illeDt He:d.h Olhcr AlIIomoblle hymcntll $ S 500 S Fucl 38 RC1IIIil'll 42 Medleal OO<:lOr $ S S Otrmist 29 Onllodumist Pale 3 IIi 6 Flinn IN-OOI Wmker 10 21201 ~.."'~... Tvl'W' M Terry Newman - P9 4 IlII:llDIC uxI Exptl\llC SlltcRWRt PACSES Case NWDber (Fill In AllIInlllriale CullllM) EXPENSES (contllluld) WEEK MONTH YEAR HOllfliw Mllli~inc Sl1Cl'il&lllCCll:l(gl_~. hl'a&:ClI. oRburllli~ ilcvi~~~) Education Private S~h'M)1 S S S Parol:hial S~b'M)1 Cullcge 8 R~ligiou~ - Penonal ClIlIhing S S 37 S F.MJd 21') Barhcr/Hainlmser 30 Credit PaymcnlS: Cr~lIit Canl Cbuge AC~UURl M~nthcnhips 156 LoIIII Cmllt Uniun S S S Provident- MlI~1 ,,1 ~, S20k hnm.. .", MIIcilI.fJdlited au 0 section . HUUllChol1l Help S S S aulll C:uc PaJllfl'll1 BIMIlW Magazine 12 EnteRainmcnl 200 Pay TV 34 Vaeauo.. g, Page 4 III 6 Flinn IN-ooa WOIker 10 21201 HI1spilal Bille Crus.s Odlcr McUkal Bluc Shicld Odlcr · H - HU5hand W - Wifc C - Cumhincd J . Juint hll:ulIlllllll1 Expense SlIltcDICDl EXPENSES (COIIIIaIlld) Gifts Lcral Fees Charitable CUl\lrihutil11l1l Grace OIlier Vet bills S Pet boardin Internet - AOL TOTAL EXPENSES S PROPERTY OWNED OICl:kiUI A~~nullls Savinrs A~~llunlll Credil Uwnll SI."Ici/Bunds Rcal Estatc OilIer TOTAL INSUKANCE Terry Newman - P9 5 PACSES Case Nwuber WEEK (Fill In A ropnate CoIUlllD) MONTH YUR 75 400 B Church 30 S S 21 30 15 3,405 S S OwnInbIp II DESCRIPTION VALUE H W J SC Fed Credit Union $ 400 X USAA Mone Mkt. 15,300 X NFCU, SC Fed Credit Union 3,800 X 2500 sh Erickson, 440 sh MC! 98,300 X X $ 23 - COMPANY Co...... II POLICY' H W C HealthSource HMO Xerox X HealthSource H X Palc , Ill' 6 .... <,I r: tl~ c ., , ,,, I r:~ J " , , , ~ " ,I,' ~1 .0 \':.j '- '., , ,-') '1 Ii;' C..... ., G!'. ,.. .- I"J .. . ,i.1lL L'. c' ;3 l) O'~ " " J,; , , ", '" I'; , " '1,'1 "I'; 'I'I /' . . EXPENSES: Week Month Year Mortaaae/rent $388,00 Maintenance 35.00 Utilities Electric 100.00 Oas Oil Telephone 45,00 Water 30.00 Sewer 24,50 Emp'oyment Public Trll/lsportation LWlch $40,00 Taxes Real estate (paid in mortgage) Personal Property Income Other (per capita) $9.80 Insurance Homeowners (paid in mortgage) Automobile 1016,84 Life Accident Health Other Automobile Payments 434,00 Fuel 60.00 Repairs 300.00 Medical Doctor 200,00 Dentist (deductible) Orthodonist Chiropractor Hospital Medicine 20,OO(co.pay) Special Needs (glasses. 200,00 braces, etc,) Education Private school Parochial school College Religious '. Week Month Year Personal Clothing Food $100.00 Barberlhairdresser $70.00(quarter) Credit payments creditcards charge accoWlts Memberships Credit Union Other Miscellaneous Household help Child care Paperslbooksletc. Entertainment Pay TV Vacation Gifts Legal Fees Charitable contributions Other child support Alimony payments Loans Other TOTAL EXPENSES: PROPERTY OWNED: Checking accoWlts Savings accoWlts Credit Union StockslBonds Real estate Other $150,00 II 0.00 30.00 200,00 30,00 500,00 500,00 100,00 50,00 $140,00 $1609.84 $2,946.64 Description Value Ownership Belco CU varies Wife Belco CU 1,000,00 Wife 300 shares. Adelphia 11,325,00 Wife 1100 shares. Hyperion 6,600.00 Wife 4180 Kittatinny Drive 98,000,00 Wife Mechanicsburg. PA 17055 - values provided are approximate- TOTAL VALUE OF PROPERTY $ 116,925.00 ETHEL L. NEWMAN, Plaintiff vs. I IN THE COURT OF COMMON PLEAS OF I CUMBERLAND COUNTY. PENNSYLVANIA I I NO. 96 - 2815 I I CIVIL ACTION - LAW I TERRY L. NEWMAN, Defendant IN DIVORCE ORDER AND NOTICE SETTING HEARINg TO: Ethel L. Newman Elizabeth S. Beckley . Plaintiff . Counsel for Plaintiff Terry L. Newman Thomas J. Williams . Defendant . Counsel for Defendant You are directed to appear for a hearing to take testimony on the outstanding issues in the above captioned divorce proceedings at the Office of the Divorce Master, 9 North Hanover Street, Carlisle. Pennsylvania on the 17th . dflY of August 1999. at 9:00 a_m., at whir.h place and time you will be given the opportunity to present witnesses and exhibits in support of your. case. , .~t ,.tt. Pres iden t Judge Date of Order and Notice: 2/8/99 By: Divorce Mastel.' IF YOU DO NOT HAVE A LAWYER OR CANNOT Af'F'ORD ONE, GO TO OR TELEPHONE THE OFFICE SET FOR'l'H BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. CUMBERLAND COUNTY !1M, ASHOC I AT ION 2 LIBERTY AVENUE CARLISLE, P^ 17013 TELEPHONE (711) l4q-3166 , ~ . OFFICI OF DIVORCI MASTlR CUMBERLAND COUNTY COURT OF COMMON PLEAS 9 North Hanover Slreel Carlisle. PA 17013 (717) 240.6535 I. Robert IlIcker, II Divorce Master Trecl .10 Colver Offl.:_ Msnegpr/R_port9' We.' Shore 697.0371 Exl.6535 September 25, 1998 Thomas A. Beckley, Esquire Elizabeth S. BeCkley, Attorney at Law BECKLEY & MADDEN 212 North Third Street P.O. Box 11998 Harrisburg, PA 17108 Rochelle B. Grossman Attorney at Law LADOV & BERNBAUM suite 161 - Plymouth Meeting Executive Campus 610 West Germantown Pike Plymouth Meeting, PA 19462-1050 RE: Ethel L. Newman vs. Terry L. Newman No. 96 - 2815 Civil In Divorce Dear Mr. BeCkley, Ms. Beckley and Ms. Grossman: By order of Court of President Judge George E. Hoffer dated September 21, 1998, the full-time Master has been appointed in the above referenced divorce proceedings. The motion for Master was filed by attorney Thoma. J. Williams; however, Rochelle B. Grossman is the attorney of record and Mr. Williams has not filed a praecipe withdrawing her appearance nor a praecipe entering his appearance. Consequently, I am directing this letter to Ms. Grossman as counsel of record and a courtesy copy to Mr. Williams. A divorce complaint was filed on May 21, 1996, raising grounds for divorce of irretrievable breakdown of the marriage and the economic claims of equitable distribution, alimony, alimony pendente lite, and counsel fees and expenses. On November 20, 1996, an answer and counterclaim were filed. The counterclaim indicates that the Plaintiff will file an affidavit of consent. I am going to proceed on the basis, therefore, that grounds, for divorce are not an issue. Based on that assumption, in accordance with P.R.C.P. 1920.33(b) I am directing each counsel of record to file a pre-trial statement . ETHEL L. NEWMAN, IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA vs. NO. 96 - 2815 CIVIL TERRY L. NEWMAN, Defendant IN DIVORCE THE MASTER: Today is Tuesday, August 17, 1999. This is the date set for a Master's hearing in the above captioned divorce proceedings. Present are the Plaintiff, Ethel L. Newman, and her counmel Elizabeth S. Beckley, and the Defendant, Terry L. Newman, and his counsel Thomas J. Williams. A divorce complaint was filed on May 21, 1996, raising grounds for divorce of irretrievable breakdown of the marriage. Both parties have provided affidavits of consent and waivers of notice of intention to request entry of divorce decree. Husband filed his affidavit and waiver with the Prothonotary; wife provided the Master with an affidavit and waiver which will be filed by the Master's office with the Prothonotary. The divorce will be able to be concluded under Section 3301(c) of the Domestic Relations Code. The complaint also raised the economic claims of equitable distribution, alimony, alimony pendente lite, and counsel fees and expenses. Wife's attorney has indicated that her client will file a praecipe within a week Withdrawing the alimony claim so that the Master is left with the issue of equitable distribution and wife's claim for counsel fees and BECKLEY & MADDEN Thomas J. Williams. Esquire May 15,1999 Page 2 I. A copy of Mrs. Newman's resume; 2. Some of the estate documents filed upon Mrs. Newm\lll's father's death showing what Mrs. Newman inherited approximately a year before the parties were married; 3. Copies of Merrill Lynch statements showing what Mrs. Newman had in her account from August, 1986 through December, 1986, a month after the after the parties were married. The parties agreed that the current Mrs. Newman would give Mr. Newman money to payoff his then sooll-to-be ex-wife (Sandra A. Newman) and Mr. Newman's lawyer (Malcom Jacobson, Esquire) so that Mr. Newman's pension account would continue to grow for the parties' retirement. I have highlighted in yellow the money that Mrs. Newman gave to Mr. Newman just two months before the parties were married; 4. A copy of the deed to Mrs. Newman's father's r\:al property which the parties sold in September, 1988, for $74,000.00. Prior to the sale of this real estate. Mrs. Newman rented this property from her father's death until it was sold for approximately $625.00 - $650.00 per month. The residential leases were in Mr. Newman's possession upon the parties separation. We are requesting that Mr. Newman produce copies of these leases; and 5. A copy of the settlement sheet from the sale of the marital residence on Butler Drive. As you know, the parties split the proceeds of this sale evenly which each of them netting $67,077.95. Mrs. Newman has suggested that Mr. Newman invested some of the parties' money in a pyramid marketing business which she believes was called NSA. Please have Mr. Newman provide all documentation regarding this investment. Since Mr. Newman has suggested that the parties took a loss on their delphi films investment, please have him provide all documentation showing the sllid loss and include an accounting of all the dividends and interest payments Mr. Newman received from this investment. As far as requesting additiona' information which we made need from Mr. Newman, because Mr. Newman has not yet filed his inventory and appraisement and his income and expense statement, I would like to reserve the right to request additional information once these documents have been filed. Since the hearing is just three months away, I trust that you will immediately have Mr. Newman provide the requested documentation as well as engage Ms. Powell's services. If there is additional documentation that you would like Mrs. Newman to ....... ooD. '" 'I'&l.IIpaONa 1IIao.,.... BECKLEY & MADDEN ATTORNEYS AT I"AW CltAflllIlUIJlV O,)VltT alllI Nolt'l'H T.....u KT"k~T aao.T omCI: 1tOJI. uun HARRISBURG, PENNSVI.vANIA 17108 "AX NO. In'h 1u.a'40 nLII lifO. 39170 October 16. 1998 E. Robert Elicker, II, Esquire Office of the Divorce Master 9 North Hanover Street Carlisle, Pennsylvania 17013 RE: Newman v. Newman, 96-2815 Dear Mr. Ellicker: Enclosed please find our pre-trial statement for the above-referrenced matter. We will be filing the income and expense statement and the inventory shortly. Very truly yours, BECKLEY & MADDEN (;. " \ /' /,' ,j/jll/ . /jly Elizabeth S. Beckley /' " L ,., " 1 . " . , I,. , ,'1> , , " 1 . '," I: ,I " BECKLEY & MADDEN ATTORNICYS AT L.\W CII"J'IlaK."Y ('QvJI'r 81M NOIlTtr Tuum KTMKItT I"OllTOrrlt'llttQx un. HAIUUBBllRO. PilNNHYLVANIA 171011-111118 .u.. CODa 717 TaLa"an"a IIDI,.,.... '4XNU. 171"'lt04740 nu NO. 39170 November 17, 1999 E. Robert Elicker. II, Divorce Master Cumberland County 9 North Hanover Street Carlisle, Pennsylvania 17013 RE: Newman v. Newman, 96-2815 Dear Mr. Elicker: Enclosed please find a proposed Order or Court and the Praecipe to Transmit for the above-referenced case. I've also enclosed a copy of the QDRO so that you can see that it has been completed. I'm waiting for approval from Vanguard. Please review the Order and Praecipe IlI1d let me know if you have any changes. I have reviewed Cunlberland County's Rules and spoken with Mr. Williams and the Prothonotary's office. Unfortunately, I'm still not certain what the procedure is after YOII have approved the Order. Do you submit it to the Court or does our office take care of that? Also, the Prothonotary did tell me that we need the Cumberland County form decrees as well. Again, do I submit them to YOllr office for approval, or directly to the Court? Please let me know any changes you may have. I really appreciate all of your help in this matter. For your information, I'll be away on vacation the week of November 22, 1999, and will retum to the office Monday, November 29. 1999. cc: Thomas J. Williams, Esquire Ms. Essie Newman Very truly yours, BECKLEY & MADDEN , \.. , 'f' -/../,. \ / ! '/ _ ,i/'(/I,'.II !~j.;))I; Eliubeth S. BeCkley;? . ETHEL L. N~N, Plaintiff V. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION - LAW 96-2815 CIVIL TERM IN DIVORCE TERRY L. N~, Defendant RE: pre-Hearing Conference Memorandum DATE: Monday, Pebruary 8, 1999 Present for the Plaintiff, Ethel Newman, is Attorney Elizabeth S. Beckley, and present for the Defendant, Terry L. Newman, is Attorney Thomas J. Williams. A divorce complaint was filed on May 21, 1996, raising grounds for divorce of irretrievable breakdown of the marriage, and the economic claims of equitable distribution, alimony, alimony pendente lite, and counsel fees and expenses. Counsel have advised that the parties will sign and file affidavits of consent and waivers of notice of intention to request entry of divorce decree prior to the hearing so the divorce can be concluded under Section 3301 (e) of the Domestic Relations Code. with respect to the economic claims, counsel for wife has indicated that she most likely will withdraw wife's claim for alimony because wife is currently in a relationship with another man. If the alimony claim is withdrawn that should be accomplished by the filing of a praecipe with the Prothonotary. otherwise, if the case is settled by an agreement the agreement ~an specifically provide that the alimony claim is withdrawn, and there being then no need to file a praecipe. The Master then would be left with the claims of distribution and wife's claim for counsel fees and Mr. Williams has indicated that he may file a claim of husband for counsel fees and expenses also. equitable expenses. on behalf wife is 46 years of age and resides at 4180 Kittatinny Drive, Mechanicsburg, Pennsylvanla, where she lives with a male friend. Wife is a high school graduate and has two years of college at HACC, although we are not certain whether she has an Associate'S degree. She is currently working as a custom service manager for Hyperion Communications. Her net income every two weeks is $974.13 and she does have medical insurance coverage through her employer, although a portion of the coverage is paid by wife. Wife has not raised any health issues. She is not receiving any spousal support or alimony pendente lite from husband. Wife has recently filed an income and expense statement and inventory which has not yet reached the Master's file from the ProthonotarY's~fice. -' .. Husband is 61 years of age and resides at 127 Chestertown Drive, Goose Creek, South carolina, 29447, where he live. alone. He has a Bachelor's degree, but is retired from Xerox corporation. After leaving Xerox, he worked for two other companies but does not have any pension benefits with either of those companies. Husband according to his pretrial statement derives his incolne from interest and dividends from an IRA and from stocks. Husband:s directed to file an income and expense statement and provide a copy of his 1998 income tax return. with respect to the IRA which, according to husband's pretrial statement, as of September 1998, had a total value of $835,171.00, wife's attorney is going to prepare a letter requesting documentation and financial information regarding the investments in the IRA from the date of marriage to the date of separation. She is also going to request similar information from the date of separation to the date of hearing which will include moneys which husband has withdrawn after the separation as income from the investments. Counsel have discussed having a financial expert act as a consultant to them in helping them determine the val.ue of this IRA and follow the stream of investments showing the income that has been generated as well as the growth generated from the investments. Mr. Williams is going to consult with certain persons in Carlisle who may be interested in doing the review and discuss his selection with Attorney Beckley to see if she is in accord with the person selected. According to Mr. Williams' computation, the marital portion of the IRA is 52 percent of the total and as of september 1998, that value is $434,290.00. Attorney Beckley points out, however, that in July 1998 the IRA had a value of over a million dollars. Therefore, a financial analysis will be helpful in getting to appropriate numbers that we can use in making an equitable distribution. There is some question as to what each party may have contributed to the marital estate upon marriage. Husband claims he contributed $30,000.00; wife claims that she contributed nearly $100,000.00 which was realized from the settlement of her father's estate. In both cases counsel are directed to provide documentation to show the moneys that were put into the marital estate from the parties from premarital assets and how those moneys were ultimately expended in the marital estate. The parties sold real estate on Butler Drive, HarriSburg, Pennsylvania, and Marmora, New Jersey, and the net proceeds derived from the sale of both of those properties were split equally by the parties. The parties also sold stock, the proceed~ of which were around $58,000.00 and that was also split by the parties. There is a question as to whether or not the parties should share equally in the distribution of the marital estate based on factors which each side is raising to show that perhaps the distribution should be on a basis other than 50/50. pension (IRA) plan to wife. Wife shall receive the funds in a deferred plan and should she choose to utilize any of the funds, she shall be respon~ible for paying all taxes and penalties for the withdrawal of the funds prior to her retirement age. 5. Husband shall be entitled to retain as his sole ond separate property the monies he received from the sale of Delphi Films in the amount of$473.00. 6. The parties will sign all necessary documents necessary to transfer ownership of wife's interest in the pension (IRA) plan to wife and any documents required to releose wife's interest in the remaining marital portion of the pension (IRA) plan which will be retained by husband. 7. Wife's claim for counsel fees I\lld eX.penses is denied. BY THE COURT: J. I COURT OF COMMON PLEAS CUMBERLAND COUNTY , PENNSYLVANIA ETHEL L. NEWMAN PlaintitT VS. TERRY L. NEWMAN Defendant CASE NO. 96-2815 Civil It appearing that the Master's report in the above stated case has been filed for ten (10) days, that no exceptions have been filed thereto, and that all the requirements of law and Rules of COUlt have been met, you are hereby directed to submit the said case to the Court of Common Pleas of Cumberland County, Pennsylvania. Elizabeth S. Beckley, Esquire Altomey for PlaintitTEthel L. Neman Prothonotary TO: DATED: I. , \, .' 5. Ethel L. Newman's date of birth is October 14, 1937, and her current and last known address is 4180 Kittatinny Drive, Mechanicsburg, Pennsylvania; NOW IT IS ORDERED, ADJUDGED AND DECREED as follows: I. A portion of the Participant's retirement holdings with Vanguard Voyager Service, P.O. Box 7800, Philadelphia, Pennsylvania 19101, is marital property subject to distribution by this Court. 2. As soon as administratively practicable, after Vanguard determines this Order to be a QDRO, Vanguard shall designate the sum of TWO HUNDRED EIGHTY THOUSAND FOUR HUNDRED FIFTY-THREE DOLLARS AND 17/100 ($280,453.17), as Altemate Payee's portion of the Participant's retirement funds, which amount shall be withdrawn from the Participant's account as follows: $165,000.00 from Vanguard Balanced Fund (fund #02) and the remaining balance ($115,453.17 plus any interest, dividend or any gain) from the Vanguard Equity Income Fund (fund #65). Said funds shall be placed in an account for the Alternate Payee. The Alternate Payee shall then have all rights, available to her as the owner of that designated amount for purposes of rollover or implementation of other rights afforded to her as owner of that portion of the funds. The amount to be withdrawn from Participant's account for the Altemate Payee is non-taxable as an authorized rollover from one spouse's name in a qualified plan to the other spollse's name in a qualified plan pursuant to a QDRO. This amount shall accrue interest, dividends or gain from the time of the Divorce Master's written Report dated August 25, 1999, and adopted by the Court via this QDRO. pursuant to any gain experienced by the account as a whole. I' tI' 1'\ ll^fAtll..tij;!'IX)4. 'j" 'I:~~ 1111 hlr \"rul.o1ll(~I'~'I.'IM I; UAM Rr\llro! 1:,2.:,o,l~ l~ '" lA .-\M JAN 0 4 2000tIJ ETHEL L. NEWMAN, Plaintiff IN THE COURT OF COMMON Pl.EAS OF CUMBERLAND COUNTY, PENNSYLVANIA v. NO. 96-2815 CIVIL ACTION. LAW TERRY I.. NEWMAN, Defendant IN DIVORCE S.TIPUI.Al'ION The parties h'l'cto, by and through their \.Ounsel. Ih:l'eby slipul<llc 10 amcnd the Maslds Report dated August 17, 1999 as lollows: I. The lollowing langllage~hall be deleled frol11 page I): "Wile shall he enlitled to a roll over Irom the pcnsion (IRA) of Husband in the SUI11 of $280,453.17, 2, The lollowing language shall be substituted: "On the date ofdislribution, Wife shall receive the tinal amount 01'$284,000.00 from Husband's Individual Retirement Account (IRA) as a tax free roll over. This amount shall not be subject to any interest, dividends or the like, but shall be considered non-modiliable," BECKLEY & MADDEN MARTSON DEARDORFF WILLIAMS & OTTO 'I I I I I I ! I i I I I ~~02k';i~a~}~~ Ten East High Street Carlisle, P A l7013 (717) 243-3341 Attorneys tor Defendanl Dated: /). b.. 7/1r -." - " , " , > '~l .,. I. I , . " , .., J ,j " ., , , , h ... . ... . ... \ r.. I lEI'" 1.1<' ,I,,: :\(.\ I" >1-::-' ,\ I 1 \'"'' I , - "I I. \\\ II \ Ii It I ~..111 l:t,. I 'I'. ... ... -.. \ I , \" I \ 1"; lll~ I 'l~ f~ . ~ i': ~ ;.: ~ ~ ~ ~ ~ Q , e , -f. . ~ ;: ~ t. - < .... ~ 'f. - ~ .... , ." ~ ;.; r. . , ~ ~ ~ , f: . r. ~ d ~ t. -- , ;: . t. ;.: ;0 ~ ~ ~ . , , ~ .. ; ! - - ''; " " i :" -: r;j " 1. ~ i ~ < - - , ,JAN (I ~ 200U . 1,,".# 3. Any rCllsonllblc (ost incurrcd by Vnnguurd to clle(tuntc thc tcrms and provisions of this Ordcr may bc asscsscd agllinst thnt party rcquiring thc scrvitudcs of Vangunrd. Inthc cvent both purtics rcquirc scrviccs of Vungunrd. such cxpcnscs shllll bc dividcd cqunlIy bctwccnthcm. IT IS INTENDED THAT TillS ORDER SHALL QUALIFY AS A QUALIFIED DOMESTIC RELATIONS ORDER AS SUCH AS DEFINED UNDER SECTION 414 (p) OF THE INTERNAL REVENUE CODE OF 1986. AS AMENDED. Thc Court rctains jurisdiction to umcnd this Ordcr ns might bc ncccssnry to cstublish or mnintain its status as a Qualil1cd Domcstic Rclntions Ordcr. 8Y THE COURT: Ii IJ.. . J. ". "I, " " ',,, I " " . " , I