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HomeMy WebLinkAbout96-00783 <> I'C) f C>a t- ..J ~ III ~ ..... lJ.J ,0- 0 ~ 0- . '< - ~ ~ ,tt:l CD ~ f ... ~ ~ .. C ~ 0 ... tit -t: - Z,. ~ If') CAB H P L E P 0 C R C K 0 K P 5 REV.. 1500 EX . (7.94) I:J 1,:,(1 INHERITANCE TAX RETURN RESIDENT DECEDENT (TO BE FILED IN DUPLICATE WITH REGISTER OF WILLS COUNfYCODE j FOR OATESOF OEAHt "FlER IZI)1/Ut CtiECK 'tEnt IF A SPOUSAL FILE NUMBER COt.l~f~XfM.M\\OF...wJt:'il.l~ANIA HARR,sRD~t.~fi~ \28'.0601 D E C E D E N T DECEDENT'S NAME (LAST. FIRST I AND MIDDLE INITIAL) oodwin Eleanor B, SOCiAl SECURITY NUMBER DATE OF DEATH DATE OF BIRTH 215-14-5113 01/23/1996 04/18/1923 DECEDENT'S COMPLETE ADDRESS 7 Spruce Circle Shiremanstown, PA 2. Supplemental Relurn 4.. Future Interest Compromise (Jor dales 01 dealh alter 12-12-82) [ID 6, Decedenl Died Teslale 0 7, Decedenl Maintained a Living Trusl (Attach co of Will) (Attach a co of Trusl) C P ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: 2 ~ NAt.lE COt.lPLETE t.lAlLING AOOAESS R D Rebecca R, Hu IRIIIN, McKNIGIIT {, HUGHES ~ ~ lELEPHONENUt.lBEA 60 lIest Pomfret Street - T 717-249-2353 Carlisle PA 17013 1, Real Estale (Schedule A) 1 None 2. Slocks and Bonds (SChedUle B) (2) None 3, Closely Held SlocklPartnershlp Inleresl (Schedule C) (3) None 4, Mortgagas and Noles Racelvable (Schedula D) /4l None 5, Cash. Bank Deposits & Miscellaneous Personal Property (Sch. E) (5) 2 ,326,11. 6. JoinUy Owned Property (Schedule F) (6) 372,69 7, Translers (Schedule G) (Schedule L) (7) None 8, Tolal Gross Assets (total Lines 1-7) 9. Funeral Expenses. Administrative Costs, Miscellaneous Expenses (Sch.dule H) 10, Debts. Mortgage Liabilities. llans (Schedule I) 11, Total Deductions (total Lines 9 & 10) 12. Nel Value 01 Estale (line 8 minus L1n. 11) 13, Charitable and Governmental Bequests (Schedul. J) 14. Nel Value Sub eel 10 Tax (Line 12 minus Line 13) 15, Spousal Transfers (Jor dales 01 dealh altar 6-30-94) See Insuuclions lor Applicable Percentage on page 2. (Include values from Schedule K or Schedule M.) 16, Amounl of line 14 taxable al6% rale (Include values Irom Schedule K or Schedule M.) 17, Amounl of line 14 taxable al15% rale (Include values from Schedule K or Schedule M,) 18, Principal tax due (Add lax from line 15, 16 and 17,) 19. CredllslSp Povarty Prior Payments Dlscounl Inleresl 0.00 + 0,00 + 0,00 0,00 20. II Line 191s grealellhan line 18. enlenhe difference on Line 20. This Is Ihe OVERPAYMENT, ~ 0 ICh.ck here II you are requ.stlng a refund 01 your ovarpaym.nt.1 21, II Line 181s grealer Ihan Line 19, enter the difference on line 21. This Is the TAX DUE, A. Enler thelnleresl on the balance due on line 21A. B, Enlerthelotal of Line 21 and 21A on Line 21B, This Is Ihe BALANCE DUE, Mak. Ch.ck Pa abl. to: R. Ister 01 Wills, A .nl ~ ~ BE SURE TO ANSWER ALL QUESTIONS ON PACE UNO TO RECHECK MA TH ~ ~ Under peNlIUesol perJury, I dec:l.r.Ih.ltI hay. eXAmined this r'lurn.lncludlng.C'tom~l1)'lng schedule, .nd slll,menle, .I,d 10 Ih. be,1 011l1( .,lU....lfiJ..,. mfr.;Ji.,:nli..~, correet and compllte,' decl.telhl'atl f...II.l..tl has been r'pclfl~.1 tn.-market wllue. Oecl.t'Uon of prlp"" olh" Ihan Ih',*IIOfWlIII,""'"I.U.."1 ,,,,... Ofl elllll'utn"Uoo af whIch pr'parer hiS Iny knowledge, SIC NATURE OF PERSON RESPONSIBLE fOR FILING RETURN County Cumberland (IF APPLlCABLE)SURVIVING SPOUSE'S NAME(lAST.flRST AND MIDDLE INIfIALI SOCIAL SECURITY HUMDER X 1, Original Relurn 4, Llmiled Estale 05. o 8. R E C A P I T U L A T I o N (9) 4,535,00 (10) 28 , 571. 28 (15) 0,00 X (16) 21-96 ~~3 YEAR Huuncn 17011 At.lOUNr AECEIVED\.EEIN.."UCIION.! 0,00 Remainder Aelum (lor datts of dealh prior 10 12.13.021 F.deral Estate T.. R.lurn R.qulred Total Number 01 Sale Depolll Do... (8) 2,690,03 (11) (12) (13) (14) 33,106,?8 (30 ,(,07 ,1,5) Nono (30',07,1,5 = 0,00 (30,407,45)< ,06 = 0,00 T A X C o M p U T A T I o N (17) O,OOX.15= 0,00 (18) 0,00 (19) (20) 0,00 0,00 (21) (21A) ( 21DI (),(IO (), 00 11,110 Gertrude G, Rutkowllkl L~~~!,.~,::.~.~"!?_l.,!..........",,..,................ . ShiremBnstown PA 17011 IRIIIN, McKNIGlfI' Ia IIU(;III:~j 60 lIest Pomfret Stroet Cari1"si;;--PA---i70ij..........,..,......,..., . IJAtt "I:4&-' I ,!), J II"~ , l.IlI;;tlDO tll.., '.1.) Act #48 of 1994 provides for the reduction of the tax rates Imposed on the net value of transfers to or for the use of the spouse. The rates as prescribed by the statute will be: .3% (,03) will be applicable for estates of decedenls dying on or after 7/1/94 and before 1/1/96 n. .2% (,02) will be applicable for eslales of decedents dying on or after 1/1/96 and before 1/1/97 .,% (.01) will be applicable for estales of decellenlS dyJiig on'1or:iitfer 1/1/97 and before 1/1/98 .Spousaltransfers occurring on or after l/l~j:~lUbe exempl f~~~ Inheritance tax. PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING A MARK (X) IN THE APPROPRIATE BLOCKS. 1. Old dlcldlnt mokl a lrans'or Ind: YES NO L IIl1lnthIUSIOllncomoo'thlP'OPlrtytranslorrod" . . . . . . . . . , . , . . . . . . . . . . . , , , , . , , . . . . . X b, 111I1n thl right 10 dlslgnatl who shall USI thl proplrty ~ans'lrrld DIlts Incomo. ' . , . . . . . . . . , , . . , , , . . . X Co III1InI IIvorslonarylntlllst:01 ., . . . . . . . . . . '" . " . " ,'."" .", . . . . . . . . . . . . " X , :j : I I .! I I d, IICIIVIlhIpIOmiS"Olld.o'llthorpaymonts.blnl'ItsOlcaro?,. . " ...""""" . . . . '" . . , " X 2. If dllth occurrod on 01 be'oro Oecembel12. 1982. did decedent within lwo years pleceding death ~ans'el proplrty wlthoutllcelvlng adequate consldelatlon? If death occurred aftel Oecembel12. 1982. did decedent ~ansle' ploperty within one year 0' death without receiving adequate consldelatlon? , . . . . . . , . . , . , . . . , . . . , . . . , . , . , . , . . . . . , . . . , , , , , . , , . , . . . . . . X 3, Old decldent Own an 'In !rustfol'bank accounl al his 01 hel dllth? ., '" . " " . . ,..."".". ,., , . IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. X 00 c;:;- :' \:.; -..,?? .. . ';, " ,,, '" 'v .:.:. '. ..." ~ I : Copyright (<lItH form lO'twlll only CPSylle....lno. Form 1500 (Rov. 7,14) ITEM LETTER DATE TOTAL VALUE DECD'S DOLLAR VALUE OF FOR MADE DESCRIPTION OF PROPERTY NUMBER JOINT OF ASSET ''''INT, JECEDENTINTEREST TENANT JOINT 1 A 07/1990 Harrisburg BELCO Federal 745.38 50.00?: 372,69 Credit Union, account #700560 (confirmation attached) TOTAL (Also onlo' on Uno 6. Roc.oilulal;on) Is 372,69 REV. 1509 EX . (IZ,&8) COt.lrH\m~~'fm~~'H" ESTATE OF Eleanor B. oodwin SCHEDULE F JOINTLY-OWNED PROPERTY SSj 215-14-5113 01 23 1996 Jolnllenlnl{I): ADDRESS 7 Spruce Circle ShiremanstoWO, PA 17011 A. NAME Gertrude R. Rutkowski B. C, JolnUy-owned p,operty: (II moro space is noedod, Inson additional shoets of same size,) Copyrlghl (c) 1994 form soltw..e aNy CPSyslems,lnc. FILE NUMSER 21-96 RELATIONSHIP TO DECEDENT daughter Form 1500 Schedule F (Rev. lZ.aS) co"rNlmrM4\,gMhYAN1A ESTATE OF SCHEDULE H FUNERAL EXPENSES, ADMINISTRATIVE COSTS AND MISCELLANEOUS EXPENSES Pl.... Print a, T . FILE NUMBER 21-96 REV, 1111 EX , (7.81) Eleanor B. ITEM NUMBER A, oodwin SS 215-14.5113 01 23 1996 DESCRIPTION AMOUNT 1 Fun.,al Exp.n.... Sacred Heart of Jesus Cemetery, cremains opening 225,00 B. Admlnlatrallv. COlla: 1, Personal Representative Commissions Gertrude G. Rutkowski 0.00 Saelal Security Numbe, of Personal Representalive: 216-58-2980 Yea, Commissions paid IIAIVED Z. Attorney Fees Irwin, McKnight & Hughes 750.00 3, Family Exemplion 3,500.00 Claimant Gertrude Rutkowski Relationship dau~hter Address of Claimant at decedent's death Slteet Address 7 Spruce Circle City Shiremanstown Stal. PA Zip Cod. 17011 4, Probal. F..s 0.00 C. Mlle.llanoou. Expen.e.. 1 Patricia A. Rosendale, CPA, 50.00 preparation of Federal, Pennsylvania and Maryland income tax returns 2 Register of lIills, filing 10.00 fee TOTAL (Also enler on lin. 9. Reea ~ulalion) (II mO'.lpae.11 needed, In..11 addltlonalahooll alllm. II.e.) Copyright tel '994 form softwlre DNt CPSYltlms,lnc. S 4,535.00 Form 1500Schl'dule H(Rev, 7.181 LAST WILL AND TESTAMENT I, ELEANOR B. GOODWIN, of Shiremanstown, Cumberland County, Pennsylvania, being of sound mind, disposing memo!)' and full legal age, do hereby make, publish and declare this to be my Last Will and Testament, hereby revoking all Wills and Codicils heretofore made by me. ONE. I direct my Executor or Executrix, as the case may be, to pay all of my debts, funeral and administrative expenses as soon as convenient after my decease. Furthermore, I direct that all state, inheritance, succession and other death taxes imposed or payable by reason of my death and interest and penalties thereon with respect to all property composing of my gross estate for death tax purposes, whether or not such property passes under this will, shall be paid by the Executor or Executrix of my estate, mo. My Executor or Executrix may, at his or her discretion, compromise claims, borrow money, retain property for such length of time as he or she may deem proper; lease and sell property for such prices, on such tenus, at public or private sales, as he or she may deem proper; and invest estate property and income without restriction to legal investments unless otherwise provided hereunder. I authorize and empower my Executor or Executrix to sell any realty and/or personalty owned by me at my death and not specifically devised or bequeathed herein, at public or private sale or sales and to give good and sufficient deeds and/or bills of sale therefor, in fee simple, as I could do if living. My Executor or Executrix is authorized and empowered to engage in any business in which 1 may be engaged at my death, for such period of time after my death as seems expedient to said Executor or Executrix. THREE. 1 give, devise and bequeath all of my estate of whatever nature and wherever K~/ituate to my~ children....GeRRlde C. RutliOwslii alld Willilll.. J. Cood~ share and share ~ ~ike, the child or children of any deceased child taking the share their parent would have taken if living, per stirpes, FOUR. I nominate and appoint my daughter, Gertrude G. Rutkowski, to be the ~y' Executrix of this my Last Will and Testament. If my daughter predeceases me, does not serve, or ~ T.~y. ']) ,1\Ll+~uJ:\t-i is unable to serve for whatever reason, then I nominate and appoint my sell, Williltl1l 1. CeeElwllI, Jr., to be the substitute Executor of this my Last Will and Testament. FIVE. No person(s) shall benefit hereunder unless such beneficiary shall survive me by sixty (60) days. SIX. No Executrix, Executor acting hereunder shall be required to post bond or enter security in this or any other jurisdiction, IN WITNESS WHEREOF, I have hereunto set my hand and seal this April, 1995. fdlii. day of ~tP J/~ ELEANOR B. GOODWIN (SEAL) ACKNOWLEDGMENT AND AFFIDA VIT WE, ELEANOR D. GOODWIN, TERESA M. HENRY and CHERYL L. CLELAND, the testatrix and witnesses respectively, whose names are signed to the foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the testatrix signed and executed the instrument as her last will and that she had signed willingly, and that she executed it as his free and voluntary act for the purpose herein expressed, and that each of the witnesses, in the presence and hearing of the testatrix, signed the will as a witness and that to the best of their knowledge the testatrix was, at that time, eighteen years of age or older, of sound mind and under no constraint or undue influence, tt~ Ii! j1~ ELEANOR B. GOODWIN 111 - TERESA M. HENRY (24 l/eI~L CHE~ L. CLELAND COMMONWEALTH OF PENNSYLVANIA : SS: COUNTY OF CUMBERLAND Subscribed, sworn to and acknowledged before me by ELEANOR B. GOODWIN, the testatrix herein, and subscribed and,~wom to before me by TERESA M. HENRY and CHERYL L. CLELAND, witnesses, this M\!)day of April, 1995. fl>t.ri.1ISeaJ Ee!:; A. Morn""n. NoLll)' Pub:c CJrf.;1o Ecvo, Cumbe,lvd COOtty MyCornnwJ'onE>pirosl>>:. .S,I!Y.l6 ~ ember. Pennsylvar1lo1A=lx>n 01 NoloneJ State of Maryland Comptroller of the Treasury REFUND ADVICE R[: REFUND CHECK NO. - 0001514336--1 . 1:_ i I To ?ayee: CZ~~1'l6( 0. 6 OCLL()Jln '-6~ The check below is in payment 01 your Maryland tax relund as follows: Date Issued Tax Type PERSONAL TaxpayerlD Number Tax Year Check Amount 215-14-5113 1995 $130.00 C6/05/96 II you have any questions concerning this refund you may call (410) 974-3981 from Central Maryland or 1.80G-MD-TAXES from elsewhere in Maryland. If you prefer, you may write to the Taxpayer Service Section, Revenue Administration Division, Revenue Administration Center, Annapolis, MD 21411. . Please refer to the tax year and tax type of the refund and include your taxpnyer Identification number in your Inquiry, "- ~ I I ro ,//1/1. f' 1 "lV, Thank you for your cooperation. J~~~~ \ .+~ tJ I v Comptroller of the Treasury Slale of Maryl.,nd Revenue Administration Division FOR THE HEARING IMPAIRED: Maryland Relay 5e,vI<8(600) 735-2256 - TOO (410) 974,3157 . KIIllT (,. SCIIMlIKE, M"yur l>EI'AIHMENT OF FINANCE CITY OF lIALTIMOIU': lllell"'''! OF ",TOI!N11~O SYS 11,.\1\ l'I::o."II1,\I.I',\YIIOI.I.IlIVISION .alii 1: rJ~tlh~ Slll.tl. NINlm )lUI 1I.11t11H"I(',\t.&I)I.In.111:m March 12, 1996 Ms, Gertrude G, Rutkowski. 7 spruce Circlo Shiremanstewn, Pa 1701\ HE: Eleaner B, Goodwin, Deceased FPR 102 215-14-5113 Dear MS. Rutkewski: We par 10d cavern are ene 10s ing Check Ne, ending 0] /25/96 appii:;ab1e 12 days lOl/12 - 01/23/95). 236544B to th,] in the net amount ef $429.07 late E:eanor B .Ccodwi.n, which If ,/e".l ha\'e directly with 39<;-4744. any questions pe~tainin'J the Employees Retirement t.o th:.a chtlck. SyGtE:m, 640 plaasc cOinmlJnicate city Ha 11, phone Very tru ly 'leurs, . Ai. .iVI ~,~" J~ "(/ ~1l/7-Yt...,..l.,.':--- I L...., ..~~...t-' '(1''''-:;': i I.. Loetdi -t21/-y~h, '-PfltV AdmJ.uJ.",;a.t!.V9 "'i!cret-ur.y"JV., ;.,''''A ,;1,-" . 1_. l;/'J "'" ______VT..... ,,,, "6-f.,,;'_fA-r).~ V SLL/mlg cc: Emplojeo9 Retirement System Banking Administrative Sectien Encl\Jsurc (!) Printed nn rcC)'c1cd rarer with cn'o'imnmcnlally friendly !ouy ba..ed ink. Decedent Estate Information Form 1. Name(s) in IIhich the account lias held: EI.EANOR GOODlHN AND GERTRUDE ,. RI!T~'Qt.l9L.' T 2. Account Number: 700560 3. Balance as of date of death: January 23, 1996 Regular Savings: Christmas Savings: Money Management Savings: Checking Savings: Balance $ 8,36 ~ (,91,IR $ 335.84 Accrued Dividends $ $ $ $ .34 I Accrued Certificate Balance I Dividends Number Certificates: $ 1$ $ I~ $ 4. Date the account lias initiated: Julv 3. 1990 5. Name(s) in IIhich Safe Deposit Box lias held: 6. Date the box lias initially rented: 7. Branch address at IIhich the box is located: 8. Loan Information a. Unsecured loans: $ $ $ b. Secured Consumer loans: $ $ $ c. Mortgage loans: $ $ $ Accrued Interest Per Diem Interest 9. Hiscellaneous: ATG - 176 REV 11/92 PAGE 2 __ ___ACCOUfll NUMUU' PAGt I -.:~;c~:.0J :~~.~~~.,~;~:~;~ 1 1 0 102 WINTER'S NOT OVER YET,..SEE US NOW FOR A 4-WHEEL ORIVE VEHICLE. BILL CONSOLIOATION LOANS IF YOU'RE STILL SNOWEO UNOER FROM THE HOLIOAYS. A VISA CREOIT CARO TO OROER AIRLINE TICKETS TO A TROPICAL CLIMATE ANO MORE I 111111[1l1 Municipal EmploYl1I Crtdll Union 01 HalUmoll, Inc. 401 E.,l 'llIltl St,ut . aIIUmo". MD %1202.3452 Phon.: 41D,7&2-8313 ELEANOR B GOOOWIN WILLIAM J GOOOWIN JR 7 SPRUCE CIR SHIREMANSTOWN PA 17011 NOTICE: See reverse side for important inlormallon. Main Share Suffix 0 Your balance at the b~ginnlng of the period..................$ '~JAN* payrOll-0~ 2~'OO a 2 JAN* Payrol'-0 2 .00 a 2 JAN Wi thdrawa 11 .90 a Transfer 'STL' 110.90 to acct: 215145113-19 Your new ba 1 ance on 31 JAN96"...................... J......... S Oividends Paid To You In 199~ On Suffix 0 ~ 0.00 f,o,QO 85'20 110, 0 O. 0 0.00 a~CI.===== Christmas Club Suff i x 4 ======================a================================================== Your balance at the beginning of the period.....".,.....,...S 0,00 Your new balance on 31JAN9b.,......'...............J.........S 0,00 Oividends Paid To You In 199~ On Suffix 4 ~ 0.00 a ========================================================================= Your balan~e at the beginning of the period.....,....,.,....,S 2413.27 13 ***ANNUAL PERCENTAGE RATE*** ,035 16% Oaily Periodic Rate MeF I NANCE/"'c (PAYMENTl**CHARGE**PRINCIPAL 12JAN* Payment-payro11-05 (38.77 12,03 26.74 =2 2~86..53 19JAN* Principal advance 100.00 = 486 53 ATR Overdraft transfer to suffix 5 26JAN* Payment-payroll-05 (~8,~7t 12.15 26.62 = 26JAN Payment (110. 0 110,90 = Transfer 'STL' 110,90 from acct: 21 1 5113-0 Your new ba 1 ance on 31 JAN96, .. .. .. .. .. .. .. . .. . .. .. , J .. .. . .. A' S FINANCE CHARGES PAlO IN 199~ ON LOAN 19 ~ 24.10 _ alCl="F Loan 19 ========= ========================================================================= Checking Suffix 5 No. 21514511~. Bala~ce at the beginning of the period..,....S 02JAf.l A-TRES30~ [P .. .Amt: 236 US TREASURY 303 (SOC SEC ) O~JAN* Oeposit OS T EASURY 303 (SOC SEC) 2~6.00 = 04JAN* Wi thdrawal 400.00 = MERIOIAN BCAMP ~ILL SHP CTR CAMP HILL PA Trace #9746 10JAN A-50 tPJ.,.Amt: 370.19 CENTRAL PAYROLL (DIRECT OEP) l1JAN* Oeposlt CENTRAL PAYROLL (OIRECT OEP) 3l0.19 = 12JAN* Wi thdrawal MONUMENTAL LIFE (INS PREM ) ~,02 = 12JAN Withdrawal #000 .~5 = 14JAN/e Wi thdrawa 1 10 .00 = MERIOIAN B3437 SMPSON FER ROC AMP HILL PA Trace #893 14JAN* Withdrawal MERIOIAN B3437 SMPSON FER ROCAMP HILL PA Trace #894 18JAN* Withdrawal WOOOSBORO 428 N CHURCH ST THURMONT MO Trace #843 19JAN* Withdrawal MERIOIAN B3437 SMPSON FER ROCAMP HILL PA Trace #1410 19JAN* oeeostt-ATM 00 Transfer 100,00 = 24JAN A-50 p]".Amt: 370.19 CENTRAL PAYROLL (OIRECT OEP) 25JAN* Oeposlt CENTRAL PAYROLL (OIRECT OEP) 370.1' = 2liJAN Wi thdrawa I 370.1 = 31JAN Oividend through 31JAN96 0.2 = ANNUAL PERCENTAGE YIELO EARNEO: 3,00% FOR A 31 OAY PERIOO Average Oaily Balance: 91.58 100,00 = 50,00 = 140.00 = 8 Withdrawals = 1262.56 ~ Oeposits = 1076,61 1 Checks Clear~d Your new balance on 31JAN 6',......................,.........~ Oividends Paid To You In 99~ On Suffix 5 ~ 0.23 190.91 426.91 26.91 ~61:b~ 1~t:H 94.73 44,73 -95.27 4.73 374 'i2 4, ~ 4, Ii 4,96 ** Continued on page 2. Financial and Tax Summary on last page ** 'ASTERISK NEXT TO TRANSACTION DATE INDICATES THE DATE SHOWN IS THE EFFECTIVE DATE AND NOT THE TRANSACTION DATE - -. - --'... --. ACCOUNT NUMOln It-,rJlIlIlI PAOE Municipal Employtll Cradll Union 01 Balllmara, Inc. 4011111 hye"1 11'"' "ll1Imoll, MD %1202-3452 "'onl: 41D.152-1313 toC'''L ..'"...".....11.." .1111 "f"'. "...... 0 3lJAN96 ELEANOR B GOODWIN WilliAM J GOODWIN JR 7 SPRUCE CIR SHIREMANSTOWN PA 17011 NOTICE: See reverse side lor ImporlBnllnlarmB!lan. Your Financial Summary YTO Tax Summary Previous Year Summary Your total Checking balances................................., Your total Share balances.................................... Your total Loan balances..................................... YEAR-TO-OATE INFORMATION FOR TAX PURPOSES: Total non-IRA dividends earned lMay be reported to IRS as interest for this calendar year) ..S Total finance charges paid on loans this calendar year.......S PRIOR YEAR SUMMARY FOR TAX PURPOSES: Total non-IRA dividends earned (May be rel?orted to IRS interest for 95).....................\ 1099010 dividends will be reported for 95................... Total finance charges paid on loans in 95.................... Interest refunds in 95 for finance charges paid in 95........ Net finance charges paid on loans in 95...................... 4.96 iW 0.00 "'- 2.349.01 0.23 24.18 19.48 0.00 306.16 2~7 :~~ 'ASTERISK NEXT TO TRANSACTION DATE INDICATES THE DATE SHOWN IS THE EFFECTIVE DATE AND NOTTHE TRANSACTION DATE. NaUonsBank of Delaware. P,O, Box 702S Dover. DE 19903-7028 N.A. NationsBank February 16. 1996 TO THE FAMILY OF Eleanor B. Goodwin 7 Spruce Circle Shiremanstown, PA 17011 RE: 5314-5085-1074-3976 To Whom This Hay Concern: We recently learned of the passing of one of our cardholders. On behalf of NationsBank, we would like to extend our sincere condolences. . \ ~ Our records indicate that Eleanor B. Goodwin maintained the .\~A 3\\ ~ above-referenced bank card account. ~\\t~~ In order to comply with bank regulations, we are aSkin~at you please furnish us with a copy of the death certificate. We would also appreciate your destroying the decedent's card or returning it to us cut in half. If an executor or administrator of the estate has been appointed, please advise us of his name and address. A postage-paid envelope has been enclosed for your convenience in complying with our request. For your records, the account has as of today's date is $1,358.77. credit life insurance. been closed. The current balance This account is not covered by Sfmal Po, ,g(}j (Jq{) If you have any questions, please write to us at 2 Commercial Norfolk, VA 23510-2104, or call us at 1-800-441-0060. ::o:~Mh j;/lj!k Iflrrsmv; UiZ'h,~pecial Claims Analyst WJf{...)lCNNCS20l 1454-0831008742 Place, Nc 1 ~ U ;JJ1XJ/ 0139~94 Th, Federal Equal Cndit Opportunity Act prohibilS creditors horn dlscriminlling against credit .ppllcants on the bull of 'Ice. color, 'ellglon. natlona' origin, '1M, matUal "atuI. ago (provided th., tho applicant has Iho ,apatHy to ental Into I binding conUletl; blcaun .11 or pItt of the applicant'. Income derive, horn any public .uisuncI programj or because tho applicant hi' in good faith lure/sed any ,Ight undor the Con.ume, C,ed., Prolecllon Act. Th, tedoral .geney thl' .dminluln compliance wilh this law conclrning thll cr.dilor II Th. Offico of tho Comptrollor 01 lho Curnncy. 1114 A....nu. of thl AmericlS, Suit. 3900. N.w York. NY 10038. McNElLY I ROSENFELD & RUBENSTEIN ^ Partnerlhip Including Profolllonal Corporations ATTORNEYS AT LAW 5335 WISCONSIN AVENUE, N W SUlle 360 WASHINGTON, D.C. 20015 1.800.677.0744 (202) 686-7000 PROBATE DEPARTMENT ASSOCIATED OFFICES LOCATED NATIONWIDE 03/06/96 ESTATE OF ELEANOR B GOODWIN 7 SPRUCE CIRCLE CAMP HILL, PA 17011 ATTN: Personal Repr~sentative I Re: NATIONAL CITY BANK, COLUMBUS v, ESTATE OF ELEANOR B GOODWIN Our File No,: 50210831 Alleged Debt Due: $330.13 Dear personal Representative: We represent the above named creditor of the ESTATE OF ELEANOR B GOODWIN, At the time of death, the deceased was indebted to our client in the sum of $330,13. ~ ~ M I~ please advise our probate Department within the next 30 days as to whether or not the estate of the deceased vlill be formally probated. If it will be, we would appreciate having you advise us as to the name and address of the court it will be probated in, as well as the probate file number, if there is one at this time, When advising us as to the probate information, please direct written correspondence to our Washington, D.C, office listed above, or call our office during normal business hours. please use our file number when communicating with us about this matter, If a formal probate will not be filed, please advise us as to how you propose to have the debt paid, We would be willing to accept reasonable monthly payments until the debt has been fully satisfied, We look forward to hearing from you within the next 30 days regarding payment of this debt, Thank you for your prompt attention to this matter, M?'~\t~A1L p16bate Depar~ P.S. See attached FDCPA language. Rubenstein cmBAN<c CltJbank Customer ServIce C"nfer P.O. Bo. 6'00 SIOU' FoilS. SD '7lf7,6'00 February 13, 1996 RECECCA R HUGHES 60 WEST POMFRET ST CARLISLE PA 17013 ACCOUllT llUMBER 4128002198193430 Dear RECECCA R HUGHES. Thank you for contacting Citibank Customer Service, The above referenced eccount in the name of Eleenor B Goodwin is closed end has 0 $2.503,63 balance. Please destroy all previOUslY issued credit cords for this account. Our records indicate that this account is not covered by credit life insurance, Please contact us if we may be of further assistance. ~rj CAMW _ tk(P~J \r07JJ-al!? ~~0J 'J S, Larson Customer Service O/LO/29oo14/SD/C/lAM/2030/SDCRI37/1920 FEDERAL REGULf.TIONS REOUIRE THE STATEMENT FRINTED ON THE REVERSE SIDE , "ce\' , · ""IUII' ".'1(11 filii 1."111."111."",11",11.11".1,1"1,,1,,,1111,,,1,,,11",II ELEANOR 0 GOOOWIN C/O GERTRUOE RUTKOWSKI 7 SPRUCE CIRCLE SHIREMANSTOWN PA 17011-65(,1 acco~n' numlJcr m:.'Jt)J/.lnce payment r/ue date minimum p.lymcnt flue amolJnl enclosccl 6011003120021801 $ 4,269,40 February 27, 1990 S 468.00 $ flnl. 'NI. (~.o P.'f1b'./o DII(O~" C",d M:r:J"HJm P,I)'""1lt du.lncludu.. p.nt d:J' 'mou"t of SJ4900 - Addreu or te,lep~or:e cr:ar:ge' Pleato print C~;Jr:ge In ft.e abaV!' spJce GREENWOOD TRUST CDMPANV PO BOX 6011 DOVER DE 19903-6011 1",111,1"1,1.,11"",11.,11"11,.",.11,,.1111,,.1 000006011003120021801042694000349000046800 .......................'..........'...'.'..........'...,..........,.,...,.,............'..............,...,.........................,...,...............................'........... .. Clesln9 Date: February 2, 1996 page 1 ell Cash back Benusil'J Ihis period to date qualilied purchases,.. ............. $ 0.00 ....... $ 0,00 Cashh,ck Bonus award earned. . . . , , .. 0.00 ...,..,.. 0,00 C.,hback Bonus anniversary date: October 2 Account Summary account number 6011003120021801 credit limit $ 4,000,00 credit available $ 0.00 previousbafancr:,.,., .........'".., ... paymenll3nd credits.. . .. . .. . . . .. . .. . .. - purchases and miscellaneous charges .,.,., + cash advances....,.....".........,....... + barance ltiJns(ers . , . . . . . , , . . , . . . . . . . . .' + F11IAlICE CHARGES .... .. . .. .. .. .. .., + fI(!lN balance , ,..."" ................. = $ 4.183.47 0.00 15,00 0,00 0.00 70,93 $ 4,269.40 To avoid adr/itiona/linance charges, pay your entire new IlJlance by February 27. 1995. Transacllons miscellaneous charges FE8, 2 LATE CHARGE...........................................,................................. 5 15.00 Your account is seriously past due. Payment 01 tte amount due and amngemen/slor future payments should be made immediately. Questions' ClIll1.IOO.DISCOVER t 1.100.347.2683). Fer TOO !TelcccmmUnlC3tlOn Oe'.lce for the De:]') asmti\nce, tee 1~.elSe side Send tultlng eller netlce to Olsco'.'er C3fd PO Bel 15192, \'/llmtngfon, DE 19886.1020 CUf1cnt billing PNiod prr.ovious IJiJling period c,llh IJJrancc 01<1 CJlh IlJlance p'''ChaSI11 advances 'ransfen balances purchases advances transfers averaye daily balances i66657 $ 1.941.20 $0 $ 1.609 92 $0 50 $0 daily periodic rates .05425". .05425". .00000'., 05425', .05425~. .05425~, .00000'.. days in billing period 31 31 31 31 31 31 31 periodic FllIAIICE CIIARGES SI1.20 $3265 $0 S2TOB SO $0 50 transaction lee FU/AlICE CIIARGES nono $0 none none none none none AlIIIUAL PERCEIITAGE RATES 19.BO", 19.BO', 000':. 19 BO~; 1980~'. 19.BO'., OOO~. USE WHEREI~f YOU SEE .~ l_-c-==-,_"_.",._,_.~,~~~o:~,-!~_~~i~~+~,,,=~_d I MAKE CHECK PAYABLE AND REMIT PAYMENT TO: REGISTER OF WILLS CUMBERLAND CO COURT HOUSE CARLISLE. PA 17013 CUT ALONG THIS LINE ~ RETAIN LOWER PORTION FOR YOUR RECORDS ~ iiiv:iS'4'nX-AF-p-iiF9&T"NciriCE--oF-YtiHEiiiTANCE-YAX-iiPPRiiisEHENr-,--Aii."owANcE-oli------------- ---- DISALLOWANCE OF DEDUCTIONS AND ASSESSMENT OF TAX ESTATE OF GOODWIN ElEANOR B FILE NO. 21 96-0783 ACN 101 DATE 01-20-97 If an assessment was issued previously, lines 14, 15 and/or 16, 17 and lB will reflect figurss that include the total of ALL returns assessed to date. ASSESSMENT OF TAX: 1S. Anount of Line 14 at Spousal rat. CIS) 16. AMount of Line 14 t.~abl. at Lineal/Class A rat. (16) 17. Anount of Line 14 ta~abl. at Collataral/Clasl 8 rat. (17) 18. Principal Ta~ Dua TAX CREDITS: PAYHENT DATE ;:;, / jtJ - .'~ BUREAU OF INDIVIDUAL TAXES IHttlRIUHC[ tAx DiViSiON OtP'. Z80bOl IlARRISlUPC, .'A 1/1:8.0bOI COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE NOTICE or INHERITANCE TAX APPRAISEHENT. ALLOWANCE DR DISALLOWANCE or DEDUCTIONS AND ASSESSHENT or TAX REBECCA R HUGHES ESQ IRWIN ETAL 60 W POMFRET ST CARLISLE PA 17013 DATE ESTATE OF DATE OF DEATH FILE NUMBER COUNTY ACN TAX RETURN WAS. I X) ACCEPTED AS FILED RESERVATION CONCERNING FUTURE INTEREST - SEE REVERSE APPRAISED VALUE OF RETURN BASED ON: ORIGINAL RETURN 1. R.al Estat. CSchedule A) C 1) 2. stockl and Bond. CSchedule 8) (2) 3. Clos.ly Held Stock/Partn.rship Intar.st CSchadule C) (3) 4. Hortgagal/Nota. Raceivabl. ISchadule D) (4) 5. Cash/Bank Daposlts/Hisc. Parsonal Proparty (Schedule E) IS) 6. Jointly Owned Property CSchedule F) Cb) 7. Transfars CSchedule GJ 17J 8. Total ASlats APPROVED DEDUCTIONS AND EXEMPTIONS: 9. Funeral Expanses/Ad.. Costs/Hisc. E~pansas CSchadule HI 191 10. Debts/Hortgaga Liabilities/Lians (Schedula II (10) 11. Total Daductions 12. Net Value of Tax Raturn 13. Charitable/Govern.ental aequest. CSchadula J) 14. Nat Valu. of Estata Subject to Tax NOTE: RECEIPT NUHBER DISCOUNT It I INTEREST (-I 01-20-97 GOODWIN 01-23-96 21 96-0783 CUMBERLAND 101 I CHANGED .00 .00 .00 ,00 2.326.14 372.69 .00 IBI 4.535,00 28.571 .28 1111 112) (13) 1141 .00 X .00: .00 X ,06: .00X.15: I1B) AHOUNT PAID TOTAL TAX CREDIT BALANCE OF TAX DUE INTEREST AND PEN. TOTAL DUE c/~~ ,,~. ~.' 11"1"'111"111.". El EANOR B NOTE: To inlura propar cradit to your account, sub.it tha upp.r portion of this forn with your ta~ paynent. 2.698,83 B.ln~ 'R 30.407.45- .00 30.407.45- ,00 ,00 .00 .00 ,00 .00 ,00 .00 . IF PAID AFTER DATE INDICATED. SEE REVERSE FOR CALCULATION OF ADDITIONAL INTEREST. ( IF TOTAL DUE IS LESS THAN '1. NO PAYHENT IS REQUIRED. IF TOTAL DUE IS REFLECTED AS A "CREDIT" (CRI. YOU HAY BE DUE A REFUND, SEE REVERSE SIDE OF THIS FORH FOR INSTRUCTIONS.) 11, H. ,1/ I'." ,1,1 '07 " Jn~~ 17 /\11 :t17 Clu: Cun'. _ .' ~ t ell RESERVATIONS E,tat.. of dlced,nt, dying on or before Oec..be, lZ, 19BZ -- If any future Int.r..t In the .state I- trnnsf.rred In po.....lon or enJoy..nt to Cia.. B leol18ternll beneflclarl.. of the dacedent .ftar the ..plratlon of any ..tata for Ilf. or for y.ar., the Co..onw..lth hlteby ..pr..,lv r...rv.' thl right to apprals. and ...... tran,f.r Inh.rltanc. ta... at the lawful Cl... a leolla'e,al) rate on IIny such future Int.r..t. PURPOSE or HOTlCE1 10 fulflll the requlr..enl' of Slctlon 2140 of the InherHence and [state Till( Act, Act ZZ of 19lJ1. 7Z P.S. Slctlon ZlftO. Dltllch the top parUon of this Holln and lubalt wlth your pay..nt to the Reglstlr of wills printed on the r.".rs. sid.. --Ha"'. check or .oney ord.r payable to; REGISTER OF MILLS, AGENT All pay..nt. racelvad .hall flnt b. appll.d to any Intarelt which III!IY ba due with any raaalnd.r llppUad to the ta.. PiYK[NT: REfUND (CA): A rafund of a tall credit, which was not requa.t.d an the Tall Aaturn. aay b. raqu..tad by coaphUng an "Application far A.fund of Penn,Ylvanla Inharltance and E.tat. Ta." (AEV.l]I].. Application. ar. avallebl. et the Offlc. 01 the Aaght.r of WIU.. any of the ZJ A.....nu. Ohtrlct Offlcel, or by call1na the Ipactal Z4-hour en....rlng ..rvlce nuIIb.rl fa,. far.. ord.dnat In P.nnsvlvanla l-BOO.S6Z"ZOSO, outlld. P.nnnlvanla and within local Harrisburg er.. (7171 781-8094, TOOl 0111 17Z.ZZSZ (H.l!lrlng lapairad On1Y1. OBJECTtONS: Any party in lnt.r..t not ..thfl.d wUh the apprah.a.nt, allowanca or dhallowanca of d.ductlon.. or a.......nt of tall (Including dllcount or Intarutl al shawn an thl. Notice .ust objact within slllty (60) days of r.celpt of thll Notlce by: ..written protest to the PA D.pert...nt of A.vanu., BOl!lrd of App.als, Dapt. Z810Z1, Harrisburg, PA 17128.1021, OR ...t.ction to have the .att.r d.t.r.in.d at audlt of tha account of the p.rsonal representativ.. OR ..app..1 to the Orphan" Court. ADMIN ISTRATtVE CQRAECTIOHS: Factual arror. dl.cov.r.d an thl. al.....ant shoUld b. addr....d In wrltlna tal Pi D.part..nt of A.v.nu., Bur.au of Individual fa.." AfTNt Po.t "'......nt A.vl... Unit, D.pt. Ze0601. Harrisburg, Pi 171ze.0601 Phone (111) le7-6S0S. Sa. paga 5 of tha bookl.t "Instructions far Inh.rltanca Tall A.turn far a R..ldent o.c.d.nt" (AEY.ISOIJ far an ..planation of adalnl.tratlv.lY corr.ctl!lbl. .rror.. 11 any tall dUe Is paid with'n three 1]1 calendar .onth. aftar the d.cad.nt's d..th, a fiv. percent (5:0 discount of the tall paid Is allow.d. Th. lS:< till allnnty non.partlclpatlon p.nalty Is coaput.d an the total of the tall and Int.r..t u.....d, and not paid b.for. January lB, 1996, the fir.t dny lifter the .nd of th. tall "an..ty p.dod. lhls non-pa,.Uclpatlan panalty t. app.alabl. In the saa. .nnnar and in the the .... tl.. periOd I!II you would appaal the tall and Intarnt that ha' b..n a......d a. Indlcat.d an thl. notlc.. Int.,..t I. charged b.alnnlng wUh first day of d.lInqu.ncy, or nln. 1'1) ..onthl And on. (1) dny fro. tha data of d.ath. to the data of pay...nt. fan. which b.ca.. d.llnqu.nt b.for. January I. 198Z bear lntara.t at tho rata of .1Il1f~iO p.rc.nt p.r nnnua calculat.d at a dally ral. of .OOOI61t. All ta.a. ..hich b.ca.. d.llnQu.nt an and a"ar January 1. 198Z will banr interut at "rAta ..hlch will vary fro. calendar year 10 calendar yur with that rat. a"nouncad by the PA n.part..nt of Aavenu.. Th. appllcabl. Int.r..t rnta. far 198Z throuoh 1991 ar.; ~ Int.r..t RAt. OallY Int.rnt r,.ctor ~ Inl.r..t Aat. Oally Intar.st Factor IIJ8Z ZO;C .OOO!Jlt8 IlJa7 .~ .00DZlt1 1985 16:< .00OItSB 1988.1991 Iii( .0OOlDl 1'98it lU .0OOlDl 19'ft ., .OOOZlt7 1985 11:< .OOOSS6 IlJlJl-19lJlt 7~ .OOOIIJZ 1986 IO~ .OOOUIt n9lj-IOJ91 .~ .OODZU ulntar.lt h ulculat.d .. fallow'; INTEREST = BALANCE OF TAX UNPAID X NUNBER OF DAYS DELINQUENT X DAILY INTEREST FACTOR ..Any Notlc. Issued aft.r the tall b.co." d.llnquenl ..ill rallact an Int.nst calculation to flft..n CIS) day. b.yond tha dal. of the 1lI..."..nt. If pay..nt " .ad. aft.r the int.r.st coaputatlon data .hown an the Notlc.. additional lnt.rast au.t b. calculated_ DISCQUNh PENAL TV I INTEAEST: c.. - 1111111. Olll', ('"llIIlIhl"':'\..\ lIall~ (';lId 1)1\ "'''II C'o,llIlllhlldlhi".1.1271 .;2/. 9~' 73'3 - BANJ{gONE. February 7, 1997 Register of Wills Rm 102 Cumberland County Courthouse Carlisle, PA 17013 RE: Estate of Ele~nor B, Goodwin Case/File No,: 7S3 Acctll 4384-962-637-611 SSlI 215-14-5113 Dear Clerk: On behalf of Bank One, Columbus, N.A, enclosed please find an Affidavit of Claim against the above estate, If this claim is in proper form, please file in the appropriate records of your Court and return a file-stamped copy to me in the enclosed self- addressed stamped envelope. If the form of this claim is not appropriate, please advise as to the proper procedure(s) for filing such a claim in your Court. Your consideration in this matter is appreciated, Should you have any questions, please feel free to contact Lisa Kerske at the number listed below, V7r ~lY yours, I ('/'1j,!; /111, f.-, L. Ke ske Probate Specialist Bank One, Columbus, N,A, 800 Brooksedge Blvd 5th Floor Columbus, Ohio 43271-0587 (614)248-3609 (')(') ;JJ ,. \.:.l :JJeo -.j '" g .. ., .. , ,-, , GJ ) - ,,~ a ,., .) f)' ___..;ITo ) ~ ..... 0 ,. - OJ l T . S' H CCH'U:AAO VIS~ CLASSIC 02/Z7" W6 lOXOOJ OJHC CMO OIVISI~ tOlS 011 43Z71 o{)556 \ I,.,... AQjrou1 Pl.... print only tho ....... Infonoatlon.l I I.troot I Itlty,.iii.;ilp I ( tt.IOllhonel .., I Ifor InurnatlONlI oddro.. only I Itountry,po.tll todt I ~CT MIll 4384-%Z-637-t." ,.,... bol Sll,014.13 P~ 0... dati hbruory Z7, 1996 ~ n ...."t cl>e S4 n .00 ~ Ell WJlI 0 G(lWjIH 7 SPRlXE C IR SHIR[}WlSTI),tl p~ 170"-6541 OJHC ~ P.O. BOX 182158 COlUWS 011 43218-Z158 lJllTEO ST~TES OF N1EIlICA ~ I "'"""'t oncloStd , I [ ""kt thKkl p~oblt to : ON<< OlE ~ Actt rer 4384-%Z-t.J7-t.l I Stlt...nt dott F.bruory 5, 1996 Pill. I of Z Credit II_It "3,900.00 Credit ,,"\lobl. IOE p~ ~ dlto FtbruoryZ7, 1996 "in .......t ~ S4n.OO t p to II Actount I....ry Previous b11llre. ..p~tI 81lontt It cu......"t rot. purthaltl 51T7 .05 tllh 10ol1 ZOn.Z9 Toul 7849.34 -other +PurtMltI' .Fttl It'd .n.......:E trediu tllh IOoIWlttl adjUStMntl CIWlGES -.. bilanct 0.00 0.00 0.00 0.00 0.00 0.00 18.00 0.00 18.00 1oa.04 33.75 146.79 5903.09 Z111 .04 ml14.13 0.00 0.00 0.00 ~stlons~ till: 1-~S-ZOCO TOlL fREE ..rlt.: CustoMr It""ice On Clrd R....rth Dtlllr~nt 0553 Col...w. 011 43Z71O{)553 Lost or stol." tlrd 1-!l:Xi-945-ZQOJ TOlL fREE T.hohonll1;l ..Ill rot p........... your right to d;'ll\Jt. bit ling .rrors. S.nd billil1;l ir'QUiri.. Ind tredit bolorc. rofu-d rtQVtsU to the Cu.to-tr S.""i.. add...... ab:>v.. 1\ OOCO':XXlI6AE ooxmlOCXXlCGZ9VTU21 10c010651 ID o . . ~ VISA CLASSIC on.' poge Z of Z , -, Curront trlnslttlons -, -, TrlllSlctlon Postll1;l , daU date Dtscrlptlon - 0ZI05 02/05 LATE FEE Hlnl_ IIIO<Ilt ~ lU: is 5312.00 past dJt. EJpllnatlon of flnoree Chlrgtl 32 EL[N()R D GOOCloIIH 43M-96Z-637-t.ll Corrospondil1;l AttuII ~l ~l Ptrctntl9t Perctntoge Periodic Rite Rile Rile Rite type Cur....nt rite purchlstS cIsh Idvances H QCOOXO,l6I.E 000000200CXXXl21:l21 .ree i.09 '.04 ,.13 Z2.45X 2Z.44X 1.87029%_ Z2.4SX 22.43% 1.87029X_ 100010651 ~licoble bollnce ssm.05 S20n.29 MosIt 18.00 FINNltE CHARGES S108.04 538.75 ~ c n KST CARD "II ChiliI.-, l.h\llhl'I.~h lU\'11. \!Ilillllllillt..~y 11')')'.."11111'4 November IS. 1996 Register of Wills I Courthouse Square Cumberland County Courthollse Carlisle. PA 17013 Re: CtmlllOldds Nllllle: AccOllnt #: Ctlse #: Ele/IIIOI' n. Goodwill 5286-0080-4176-5618 21-96-783 To Wholll It May Concern: Enclosed please find an original and a copy of our claim, Upon filing the original. please stamp. date and return the copy to us. Enclosed please find a self-addressed. postage-paid em'elope for your convenience. Please address any further correspondence to the undersigned. Thank you. Sincerely. [. W~~I'I E. Wilson Accounts Representative Probate Departlllent 1_800_328-0803 ext. 7515 Enc. 1"" ~ " i I \ , \ - '- CU :i CI) CI) CU - (.) \ .... CI) ~ ,- La.: OJ Ul " o .c u .. " o U OJ ..'" ~1J)>,,(lj~ U.....U::JO c: r-l c: tr e- :3oM::ItIlr-l o;l: 0 U u..-:: ... Ul '"' "t:SO~:S ~ c: 0 ... ~ ~ CU.t: <U .-lCU.-lUr-4 lo-f U ... ... U) C1IU1(11::1"f"4 ,.c"f"4.ao....-t a"" El U .. ::s <U:3 cu u~Ur-lU " .., ""a- M&> ~.., ~~ :; ~p. ~- ee- r..>/. ~o ,,)- ~~ C" ~z t~ ~~ r.C U .9 o C "'::> . , , - - - - - - - " - - - - - g ~ -' 'I ., ~ ," I'; "" . , . ~.. , f' \ r . .," I . l r '" . " ,) . ,', , . , . . ,- ~~ .~ " J \;.~ . " , .-_.1 --~ -;':"-_ _....."'-~.M'. _ ~~. -,.-:..