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Home My WebLink About03-06-07 ...J 15056051047 REV-1500 EX (06-05) PA Department of Revenue . Bureau of Individual Taxes PO BOX 280601 Harrisbur , PA 17128-0601 ENTER DECEDENT INFORMATION BELOW Social Securit Number Date of Death INHERITANCE TAX RETURN RESIDENT DECEDENT Date of Birth Decedent's Last Name Suffix Decedent's First Name MI (If Applicable) Enter Surviving Spouse's Information Below Souse's Last Name Suffix MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW ~ 1. Original Return ~ 2. Supplemental Return l:::::) c::) 4. Limited Estate c::) 3. Remainder Return (date of death prior to 12-13-82) 5. Federal Estate Tax Return Required - C) 4a. Future Interest Compromise (date of death after 12-12-82) <:::) 7. Decedent Maintained a Living Trust (Attach Copy of Trust) <:::) 10. Spousal Poverty Credit (date of death <:::) 11. Election to tax under Sec. 9113(A) between 12-31-91 and 1-1-95) (Attach Sch. 0) CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name Da ime Tele hone Number 6. Decedent Died Testate (Attach Copy of Will) 9. Litigation Proceeds Received 8. Total Number of Safe Deposit Boxes <:::) " i- ~2 ';?) -... r- ", I G', -; J r,) Correspondent's e-mail address: Under penalties of perjury, I declare that I have examined this retum, including accompanying schedules and statements, and to the best of my knowledge and belief, it is true, correct and complete. Declaration of preparer other than the personal representative is based on all information of which preparer has any knowledge. SIGNAl RE OF PERSON RESPONSIB o.r~ t/~ tr/'Qif1J J (:Jt'() PLEASE USE ORIGINAL FOR o Side 1 L 15056051047 15056051047 --.J r ....J 15056052048 REV-1500 EX Decedent's Name: M 14- rtl.<. RECAPITULATION r J... 0 Lv~ 1. Real estate (Schedule A). .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 1. 2. Stocks and Bonds (Schedule B) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) . . . .. 3. 4. Mortgages & Notes Receivable (Schedule D) . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 4. 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) . . . . . . .. 5. 6. Jointly Owned Property (Schedule F) c:::::> Separate Billing Requested . . . . . .. 6. 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) c:::::> Separate Billing Requested. . . . . . .. 7. 8. Total Gross Assets (total Lines 1 ~7). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 8. 9. Funeral Expenses & Administrative Costs (Schedule H). . . . . . . . . . . . . . . . . . . .. 9. 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) . . . . . . . . . . . . . . . . 10. 11. Total Deductions (total Lines 9 & 10). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 11. 12. Net Value of Estate (Line 8 minus Line 11) . .. .. . .. . .... .. .. . . .. .. .. .. . .. 12. 13. Charitable and Governmental Bequests/See 9113 Trusts for which an election to tax has not been made (Schedule J) . . . . . . . . . . . . . . . . . . . . . . . . 13. 14. Net Value Subject to Tax (Line 12 minus Line 13).. . . . . : . . . . . . . . . . . . . . . . . . 14. TAX COMPUTATION. SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a){1.2) X .O~ 16. Amount of Line 14 taxable at lineal rate X.O_ 17. Amount of Line 14 taxable at sibling rate X .12 18. Amount of Line 14 taxable at collateral rate X .15 19. TAX DUE. . . . .. . .. .. . . .. . . . . . .. . . .. .. .. .. .. . . . . .. ................ 19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT ~ ~~ ~NJ ~ Side 2 L 15056052048 Decedent's Social Security Number 15. 16. 17. 18. .. 15056052048 ....J REV-1500 EX Page 3 , Decedent's Complete Address: DECEDENT'S NAME ____~__ tvlli_vtK____:r 1.,0 l<?~______ STREET ADDRESS ____~_L~ V' d~ __Q a_____n_____________~___~_______________~_ File Number 1- 00 crr1------------------- .~----- ------------rs1 JE-------r ZIP ---- -~----- M. .e.cL.'l"1-l 'S b UV' I ~ 11- : '7 0 ~-~ Tax Payments and Credits: 1. Tax Due (Page 2 Line 19) 2. CreditslPayments A. Spousal Poverty Credit B. Prior Payments =~ ~ ~ O~~ O___~ C. Discount (1) 00.00 Total Credits ( A + B + C ) (2) :7~o. OD 3. Interest/Penalty if applicable D. Interest E. Penalty .------------"----------------------- TotallnteresUPenalty (D + E) If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Fill in oval on Page 2, line 20 to request a refund. d.- C, cJ " 00 B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (3) (4) (5) (5A) (5B) 4. 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. A. Enter the interest on the tax due. Make Check Payable to: REGISTER OF WILLS, AGENT ...." IlnIIIBIl..._........................lll PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property transferred;.......................................................................................... 0 ~ b. retain the right to designate who shall use the property transferred or its income; ............................................ 0 ~ c. retain a reversionary interest; or........................................:.:................................................................................ 0 ~ d. receive the promise for life of either paym~nts, benefits or care? ...................................................................... 0 ~ 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? .............................................................................................................. 0 ~ 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? .............. 0 ~ 4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which contains a beneficiary designation? ........................................................................................................................ 0 Lli IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1, 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is three (3) percent [72 P.S. ~9116 (a) (1.1) (i)]. For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero (0) percent [72 P.S. ~9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [72 P.S. ~9116(a)(1.2)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent, except as noted in 72 P.S. ~9116(1.2) [72 P.S. ~9116(a)(1)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent [72 P.S. ~9116(a)(1.3)]. A sibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. , REV-l508 EX +(1-97) . SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF M .-' ttht2.Ji J f.v 0 (Q~ FILE NUMBER Z OOC:, - 069 /7 Include the proceeds of litigation and the date the proceeds were received by the estate, All property jointly~wned with the right of survivorship must be disclosed on Schedule F. ITEM NUMBER 1. DESCRIPTION VALUE AT DATE OF DEATH v'\4 () V/,er V/I1,~ /<it,c "'~ J't1 t-ilt.tA l-t"~ l!f (-~ Cvd-~fUI4/~'1. ~-OOO L Of.t.,t \ -! 0 fl- M~C"H c-{bll-t'$ t ,oV4 t 70~.1- fl-C{,O~",,{ tJ~w",~ J ""fr~ ~ ~/J9J.{~172- ~&U"~J .s- a.. ~ ~&'. 00 (l;;iO Cl-~ ~ vc. TOTAL (Also enter on line 5, Recapitulation) (If more space is needed, insert additional sheets of the same size) $ <I. QJ;J ~7J , st Send Inquires to: 5000 Louise Orlve PO Box 40 Mechenlcsburg, PA 17055 www.members1st.org Metn Switchboard: (717) 697-1161 or (800) 283-2328 EZ Cell: (717) 697-4372 or (800) 283-4372 TOO: (717) 697-5312 or (800) 283-2328 eX!. 5312 TeleBrench: (717) 795-6049 or (800) 237-7288 @ MEMBERS 1st FEDERAL CREDIT UNION *== iiiiiiii ......= iiiiiiii ......= - w- ===== " === = 0- * 19364 1 AV 0.293 19364-19364 1...111...11111..1.1..1.1..11.....11.1..111'111..111.111...111 MARK J LOWER 19 CIRCLE DR MECHANICSBURG PA 17055-6140 Statement of Accounts Jun 25, 2006 thru Sep 24, 2006 Account Number: 266882 Account Balances at a Glance: Checking: 0.00 Savings: 25.00 Certificates: 0 . 00 Loans: 0.00 Money Management: 51,926.72 Page: 1 of 1 Your current Member Loyalty Reward level is Platinum Give us your email address and you could win a $100 VISA Gift Card! See the enclosed insert for more details. Congratulations on being a Platinum Level memberl Did you know that you are eligible to receive a .05% bonus on our certificate products? Take advantage of this added benefit today and open your new certificate I SAVINGS ACCOUNTS 00 - REGULAR SAVINGS Date Transaction DescriDtion Jun 25 Balance Forward Ssp 24 Ending Balance 05 - MONEY MANAGEMENT Date Transaction ~tion Jun 25 BsIance Forward Jun 30 Deposit Dividend Tiered Rate Annual Percentage Y'18Jd EaI71f!Jd 2.3tXJJ6 ftom 06/01/2006 through 06/30/2006 Jul 31 Deposit Dividend Tiered Rate (__.__ I...... Annual Percentage YIsId EaI71f!Jd 2.49QJ6 from 07/011f(!fXi through 07/31/2004 Aug 31 Deposit Dividend Tiered Rate. ,,,L. ~i ~ Percen::;;~ 2.560J6 f10m 08i01/~tRf'( through 08/31/:24 YTD SUMMARIES TOTAL DIVIDENDS PAID 00 REGULAR SAVINGS 05 MONEY MANAGEMENT 0.00 791.69 E"-l B...p LJ Total Yearlr~rQI'" [}",ijleD<WI.'~' ;1.. Vir,; NOTE: T ofarmcIl1d'~ !t:/b'lfed $1iate~ r . "1 \.... '. Additions Subtractions Balance 25.00 25.00 Additions Subtractions Balance 51,610.85 51,707.57 51,815.82 51.926.72 51.926.72 96.72 108.25 110.90 791 .69 Don".forget about our new Member Loyalty Rewards Program. The mOre products you have with us, the more benefits you"ll'receive. Ask an a$$ociate for details or visit our website at www.members1st.org for details. , . REV-'1511 EX+ (12-99) . . '* COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS ESTATE OF FILE NUMBER Debts of decedent must be reported on Schedule I. ITEM NUMBER A. DESCRIPTION AMOUNT 1. FUNERAL EXPENSES: l+tJovtA.. ~~ J-kf.tc.R.a l t:"v"c. . I {~ & (J~ft.. ~f ~ f~~f fLt, /4..04, lvV'j I P 11 170 f, / ~ M+~J ~" tfgf-4-i({~ (?fo &....l.{~ fo B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Name of Personal Representative(s) Social Security Number(s)/EIN Number of Personal Representative(s) Street Address City State _ Zip Year(s) Commission Paid: 2. Attorney Fees 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Claimant Street Address City State _ Zip Relationship of Claimant to Decedent 4. Probate Fees C~~J eft Pa,(,( I-~ ()~ w111~ ~ -g~~o" 5, Accountant's Fees 6. Tax Return Preparer's Fees 7. TOTAL (Also enter on line 9, Recapitulation) $ (If more space is needed, insert additional sheets of the same size) 9() '12.80 Hoover Funeral Homes, Inc. 118 SoLlth Market Street 103 West Main Street Millersburg, PA 17061 Elizabethville, PA 17023 (717) 692-3298 fax 692-4599 or 362-9845 (717) 362-8522 Bradley S. Boyer, Supv. -Nathan C. Minnich, FD- Robert M. Stianche, Jr., Supv. www.hooverfuneralhomes.com No. SERVICES FOR Mark J. Lower DATE OF DEATH October 29,2006 PLACE OF DEATH 19 Circle Drive DATE OF STATEMENT October 30,2006 DATE OF SERVICE November 1,2006 CHARGE OF SERVICES SELECTED 1. Professional Services Services of Funeral Director Embalming Other Preparation of Body 2. Facilities & Equipment Use of Facilities & Staff for Viewing I Visitation $ Use of Facilities & Staff for Funeral Ceremony- $ Use of Facilities & Staff for Memorial Service - $ Use of Equipment & Staff for Graveside Service $ Use of Equipment & Staff for Church Service - $ Use of Equipment & Staff for Church Viewi~ $ 3. Automotive Equipment Transfer of Remains to Funeral Home Hearse to Cemetery I Crematory Use of Iimousine(s) for services Sedan Service I Utility Vehicle TOTAL SERVICE CHARGES MERCHANDISE Casket (or alternative container) Platinum Desc. Steel Platinum Outer Burial Container Concrete sealer Desc. Concrete Acknowledgment Cards Register Book Prayer Cards Memorial Folders Clothing Family Flowers Cremation Urn $ $ $ $ $ $ $ $ $ $ TOTAL MERCHANDISE CHARGES SPECIAL SERVICES Forwarding to: Receiving from: Immediate Burial. Direct Cremation $ $ $ $ $ $ $ $ $ $ 1400 500 200 $ 2,100.00 400 400 $ $ $ $ $ $ $ 800.00 200 300 100 $ 600.00 $ 3,500.00 $ 2400 $ 925 ..1."- ~ ~ $ J,Jl...vu 1375.- \ TOTAL OF SPECIAL CHARGE TOTAL FUNERAL HOME CHARGES (This total does not include cash advances) DISCLOSURES If any law, cemetery crematory or other requirements have required an embalming or the purchase of any items, the law or requirement is explained below. $ $ 6,825.00 STATEMENT OF FUNERAL GOODS AND SERVICES SELECTED 109 Charges are only for those items you selected or that are required. If we are requirea by law or by a cemetery or crematory to use any item, we will explain reasons in writing below. If you selected a funeral that may require an embalming, such as a funeral with viewing, you may have to pay for embalming You do not have to pay for embalming you did not approve if you selected arrangements such as direct cremation or immediate burial. If we charge for embalming, we will explain why below. CASH ADVANCES Certified Copies of Death Certificate # 6 $ Clergy $ M~ $ Cemetery $ Newspaper Notices Patriot-News , <; 3.Jlo $ Newspaper Notices $ Flowers ~ 00 $ Monument inscription :;loc' $ $ $ $ $ TOTAL CASH ADVANCES $ 636.00 We Charge you for our services in obtaining (specify cash advance items:) 36.00 100 500 add t.)\ ~ ~ ~ 0 SUMMARY OF EXPENSES TOTAL ALLlTEMS $ 7,461.00 Sales Tax (if App) @ 0 $ GRAND TOTAL $ 7,461.00 Less Payment made $ $ BALANCE DUE Dee 31, 2006 $ BILLING TO Vada M. Lower 19 Circle Drive mechanicsburg, PA 17055 ACKNOWLEDGMENT AND AGREEMENT I hereby acknowledge that I have the right to arrange the final service for the person named above, and I authorize this funeral establishment to perform services, furnish goods, and incur outside charges specified in this Statement. I acknowledge that a Casket Price List and a Outer Burial Container Price List were made available to me and that a copy of the General Price List was given to me prior to my making financial arrangements. TERMS OF PAYMENT Full payment is due no later than December 31, 2006 If any payment is not paid when due, an unanticipated LATE CHARGE of 1.5% per month (ANNUAL PERCENTAGE RATE 18%) will be added to the unpaid balance. I agree to pay the Balance due listed on this statement, plus any Late Charge. In the event I default in payment to this funeral establishment, I agree to pay reasonable attorney fees and all court costs in addition to any Late Charge applicable. I understand and agree that I am assuming personal liability for all the charges set forth in this statement, and that is in addition to the liability imposed by law upon the estate of the deceased. By my signature below, I hereby agree to all of the above and acknowledge receipt of a signed copy of this Statement. Additional terms of payment are: DISCLAIMER OF WARRANTIES Our funeral home makes no representations or warranties regarding caskets or outer burial containers. The only warranties, expressed or implied, granted in connection with goods sold with the funeral service are the express written warranties, if any, extended by the manufacturer thereof. No other warranties including the implied warranties of merchantability or fitness for particular purpose :rftend~d by the seller. ied y~ ~ SSN SSN the services, By RECEIPT FOR PAYMENT ------------------- ------------------- GLENDA FARNER STRASBAUGH Cumberland County - Register Of Wills One Courthouse Square Carlisle, PA 17G13 Receipt Date: Receipt Time: Receipt No. : 11/06/2006 13:53:16 1046242 LOWER MARK J Estate File No. : Paid By Remarks: 2006-00979 VADA M LOWER WZ ------------------------ Receipt Distribution -----___________________ Fee/Tax Description PETITION LTRS TEST WILL SHORT CERTIFICATE JCP FEE AUTOMATION FEE Check# 1067 Total Received......... Payment Amount 260.00 15.00 8.00 10.00 5.00 ---------------- $298.00 $298.00 Payee Name CUMBERLAND COUNTY GENERAL FUN CUMBERLAND COUNTY GENERAL FUN CUMBERLAND COUNTY GENERAL FUN BUREAU OF RECEIPTS & CNTR M.D CUMBERLAND COUNTY GENERAL FUN c:r ~ REV'1513 EX+ (9-00) . .* COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE J BENEFICIARIES ESTATE OF M~vt.k r LOwCl1- I FILE NUMBER '2.00" .- (jot; 7? 1. RELATIONSHIP TO DECEDENT NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY Do Not List Trustee(s) TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under Sec. 9116 (a) (1.2)] \I (.l-V'JA vvt. L ()wIC-(l.. L UH~e ') W ,~-e I C} Cw.Je KJn... 111 ~J.Ct \l(,t c.s ~ Uti"; I ,off t 7 () r-5;"' AMOUNT OR SHARE OF ESTATE NUMBER I 100/0 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET II NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE 1. 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART II - ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET $ (If more space is needed, insert additional sheets of the same size) ,~. ,_ .m ,. 1,,,_... ~.Fb"....""'" ~'.'~' ."H"~~'~l_' . , ,."". _'T"_." . ~ 1--.~-__. .'""'/:""'!'""'"~~'''.~......''' ....._,._.,.' ,..-.-,-:.~.,.,.~:,~..-".,......"""'l!'!!I' REGISTER OF WILLS CUMBERLAND County, Pennsylvania CERTIFICATE OF GRANT OF LETTERS No. 2006-00979 Estate Of: MARK J LOWER PA No. ~1-06-0979 (First, Middle, Last) Late Of: UPPER ALLEN TOWNSHIP CUMBERLAND COUNTY Deceased Social Securi ty No: 183-03-5634 WHEREAS, on the 6th day of November 2006 an instrument dated May 3rd 1988 was admitted to probate as the last will of MARK J LOWER (First, Middle, Last) la te of UPPER ALLEN TOWNSHIP, CUMBERLAND County, who died on the 29th day of October 2006 and, WHEREAS, a true copy of the will as probated is annexed hereto. THEREFORE, I, GLENDA FARNER STRASBAUGH , Register of Wills in and for CUMBERLAND County, in the Commonwealth of Pennsylvania, hereby certify that I have this day granted Letters TESTAMENTARY to: VADA MARIE LOWER who has duly qualified as EXECUTOR(RIX) and has agreed to administer the estate according to law, all of which fully appears of record in my office at CUMBERLAND COUNTY COURT HOUSE, CARLISLE, PENNSYL VANIA. IN TESTIMONY WHEREOF, I have hereunto set my hand and affixed the seal of my office on the 6th day of November 2006. * *NOTE* * ALL NAMES ABOVE APPEAR (FIRST, MIDDLE, LAST) \ ~ \f LAW O....ICIE:. INELBAKER . ELICKER ..... 8 = = .,... LAST WILL AND TESTAMENT 3:g :z , t.~~ -0 ("') 0 -< OF " ,;;Co I .-'1 ~-~1J C'\ =~ '.U);:><: ~:'~ MARK J. LOWER ::7~O -u ".0'1 :x d~ - . ~ .. v -t, I, MARK J. LOWER, of Upper Allen Township, Cuml5t!rland ~ \I County, Pennsylvania, being of sound and disposing mind, memory and understanding, do hereby make, publish and declare this as and for my Last Will and Testament, hereby revoking and making void any and all wills by me at any time heretofore made. 1. I direct that all my debts and funeral expenses be paid as Soon as practical after my death by my Executrix hereinafter named. 2. All the rest, residue and remainder of my estate, real, personal and mixed, and wheresoever the same may be situate, I give, devise and bequeath to my wife, VADA M. LOWER, her heirs and assigns, to the exclusion of my children, born and unborn, provided my said wife, VADA M. LOWER, shall survive me by a period of sixty (60) days. 3. Should my said wife, VADA M. LOWER, predecease me or fail to survive me by the aforesaid period of sixty (60) days, then in such event, all the rest, residue and remainder of my estate, real, personal and mixed, and wheresoever the same may be situate, I give, devise and bequeath in equal shares to my children, their heirs and assigns. I am the father of four children, whose names and dates of birth are as follows: LARRY E. LOWER, born August 9, 1942 DARLENE K. MATTY, born September 29, 1943 BARBARA A. ECKERT, born May 5, 1945 DENNIS E. LOWER, born October 5, 1949 Should any chi)d of mine predecease me, I direct the share such \. 1<" -' / deceased child would have received shall pass to his or her issue surviving me per stirpes, and if there be no such issue then such share shall lapse. 4. I hereby nominate, constitute and appoint my said ~ wife, VADA M. LOWER, as Executrix of this my Last Will and Testament, but should she predecease me or,fail to qualify, then in such event, I nominate, constitute and appoint DARLENE K. MATTY and BARBARA A. ECKERT as CO-Executrices of this my Last Will and Testament, and I further direct that no person serving as Executrix shall be required to post any bond to secure the faithful performance of her duties in the Commonwealth of Pennsylvania or in any other jurisdiction. IN WITNESS WHEREOF, I have hereunto set my hand and seal to this my Last Will and Testament written on two (2) pages ---j this ~ ' 1988. ~.ui~.~ Mat J. Lower ' ( (SEAL) day of Signed, sealed, published and declared by MARK J. LOWER, the Testator above named, as and for his Last Will and Testament, in our presence, who, in his presence, at his request, and in the presence of each other, have hereunto subscribed our names as attesting witnesses. f ~JL;. LAW O"ICKS INIELBAKI!R a ELICKER -2- IF.~ .' " \. / COMMONWEALTH OF PENNSYLVANIA COUNTY SSe OF CUMBERLAND We, MARK J. LOWER, E. ROBERT ELICKER, II, and SUSAN A. McCOY, the Testator and the witnesses, respectively, whose names are signed to the attached or foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the Testator signed and executed the instrument as his Last Will and Testament and that he had signed willingly, and that he ~ executed it as his free and vOluntary act for the purposes therein expressed, and that each of the witnesses, in the presence and hearing of the Testator, signed the Will as a witness and that to the best of his or her knowledge the Testator was at that time eighteen years of age or older, of sound mind and under no constraint or undue influence. //fJ J.;1~ ) es ator ;~A-dJ WI.tness r ..~ Witness Subscribed, sworn to and acknowledged before me by MARK J. LOWER, the Testator, and subscribed and sworn to before me by E. ROBERT ELICKER, II, and SUSAN A. McCOY, witnesses, this 3~~ day of ~.c7 , 1988. ~/?L-;' ~ ~~ Notary Pub c CATIlAllIIIf E. DOUSUI. NOTARY I'IIJUC I~CHA"lesUll8 8ORO. CUI8EIIlAIO COUNTY " ClIlIIISSlOI EXPIIIES FE" 27. 1990 ....... P.lIIISylVtllll AslacLttll.'ll of lIl)b..!'l . / LAW Ol'PIc:a:. SNELBAKER .. ELICKER