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Home My WebLink About05-25-07 / . --.J 15D5bD41147 REV-1500 EX (06-05) PA Department of Revenue Bureau of Individual Taxes .~ PO BOX.280601 ~ Harrisburg, PA 17128-0601 ENTER DECEDENT INFORMATION BELOW Social Security Number Date of Death OFFICtAL USE ONLY County Code Year INHERITANCE TAX RETURN RESIDENT DECEDENT 2 1 0 6 Fila Number 0885 Date of Birth 165109030 08192006 07291918 Decedent's Last Name Suffix Decedent's First Name KRAMER H. MI L (If Applicable) Enter Surviving Spouse's Information Below Spouse's Last Name Suffix Spouse's First Name MI Spouse's Social Security Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WillS FILL IN APPROPRIATE OVALS BELOW I~ 1. Original Return D 2. Supplemental Return D D 3. Remainder Return (date of death prior to 12-13-82) 5. Federal Estate Tax Return Required n 4. Limited Estate o 4a. Future Interest Compromisa (date of death aftar 12-12-82) 12<_; 6. Decadent Diad Testate (Attach Copy of Will) [~J 7 Decadent Maintained a Living Trust . (Attach Copy of Trust) 8. Total Number of Safe Deposit Boxes [.-.-1 --, 9. Litigation Proceeds Received o 10 Spousal Poverty Credit (date of death . between 12-31-91 and 1-1-95) D 11. Election to tax under Sec. 9113(A) (Attach Sch. 0) ~ORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: ame Daytime Telephone Number R LEONARD DAVIS III 2153482088 Firm Name (If Applicable) DRAKE, HILEMAN & DAVIS REGISTER OF WILLS US.EDNL Y ......... '---,' . . t.:.:::"J --' c' First line of address P.O. BOX 1306 r~ c..;, Second line of address I "";-1 City or Post OffIce DOYLESTOWN State PA ZIP Code 18901 DAm ILED rv :"j 1"'.,) Correspondent's e-mail address: Under penalties of P.e~ury, I declare that I have examined this return, 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. ' SIGNATURE OF PERSON RESPONSIBLE FOR FILING RETURN DATE J ~ (! .~:fLJiuJ MARLENE FIDLER 5"/ /'-1107 ADDRESS R Leonard Davis III 5 P.O. Box 1306, Doylestown, PA 18901 Side 1 L 1505b041147 1505b041147 --.J PA Inheritance Tax Return Signature of Additional Fiduciaries ESTATE OF FILE NUMBER KRAMER, H. LLOYD 21-06-0885 Under penalties of pe~ury, I declare that I have examined this return, 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. Signature #2 f)/r\~'" ;;~ Name Address1 Address2 City, State, Zip Date DORIS BOSSERT 41 Round Ridge Rd. Mechanlcsburg, PA 17055 ~ /~ Jooh .-J 15056042148 REV-1500 EX Decedent's Name: H. LLOYD KRAMER RECAPITULATION Decedent's Social Security Number 165109030 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) 0 Separate Billing Requested............. 6. 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) 0 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. 85,700.29 47,216.55 1,049.97 281,760.78 415,727.59 _____m~___._.___ ___."_______________... 22,717.13 21,107.52 43,824.65 371,902.94 37,190.30 334,712.64 TAX COMPUTATION - SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, of transfers under Sec. 9116 (a)(1.2) X .00 16. Amount of Line 14 taxable at lineal rate X .045 17. Amount of Line 14 taxable at sibling rate X .12 18. Amount of Line 14 taxable at collateral rate X .15 15. 0.00 319,836.52 0.00 16. 17. 14,876.12 18. 19. Tax Due.................................... .............. ................................................................... 19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. Side 2 L 15056042148 0.00 14,392.64 0.00 2,231.42 16,624.06 o 15056042148 .-J REV-1500 EX Page 3 Decedent's Complete Address: DECEDENTS NAME H. LLOYD KRAMER STREET ADDRESS 5225 Wilson Lane 1---------------------------------__.____._.________________ File Number 21-06-0885 ------ CITY 1ST ATE -----rzIP PA I 17055 Mechanicsburg Tax Payments and Credits: 1. Tax Due (Page 1 Line 19) 2. Credits/Payments A. Spousal Poverty Credit 8. Prior Payments C. Discount (1) 16,624.06 16,000.00 _____~~__4_~ 831.20 3. Interest/Penalty if applicable D. Interest E. Penalty Total Credits (A + B + C) (2) 16,831.20 TotallnterestlPenalty (D + E) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Check box on Page 2 Line 20 to request a refund 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. 8. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (3) (4) (5) (5A) (58) 207.14 Make Check Payable to: REGISTER OF WILLS, AGENT 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;.........._..._..................................................._............... D l.!J b. retain the right to designate who shall use the property transferred or its income;.................................... D !~ c. retain a reversionary interest; or..........................................._...................................................-.................. 0 L~ d. receive the promise for life of either payments, benefits or care?............................................_................. I----i ~:i 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration?.................................................................... ..................................... - -........... LJ [!J 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 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 exemDt 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. S9116 (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-1503 EX+ (6-98) . SCHEDULE B STOCKS & BONDS COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF KRAMER, H. LLOYD FILE NUMBER 21-06-0885 All property jolnUy-owned with right of survivorship must be disclosed on Schedule F. ITEM CUSIP VALUE AT DATE NUMBER NUMBER DESCRIPTION UNIT VALUE OF DEATH 1 2,377 shares of 2377 Shares of AT&T - (See Exhibit 30.59 72.712.43 B.1) 2 141.8 shares of 141.8 Shares of AXA - (See Exhibit B.2) 37.12 5.263.62 3 210 shares of 210 Shares of Comcast - (See Exhibit 34.45 7.234.50 B.3) 4 47 shares of 47 Shares of AVAYA - (See Exhibit B.4) 10.42 489.74 TOTAL (Also enter on Line 2, Recapitulation) 85.700.29 (If more space is needed, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule B (Rev. 6-98) Rev.1508 D:+ (S-98) *' SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY COMMONWEALTH OF PENNSYlVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT KRAMER, H. LLOYD FILE NUMBER 21-06-0885 ESTATE OF Include the proceeds of litigetlon end the date the proceeds were received by the estate. All property JoIntly-owned wtth the right of survivorship must be disclosed on schedule F. ITEM NUMBER DESCRIPTION 1 Unlvest Checking Acct. No. 2811610522 - (See Exhibit E.1) VALUE AT DATE OF DEATH 4.678.26 2 Benefit Advantage Co. Premium Refund - (See Exhibit E.2) 94.84 3 State Farm Fire and Casualty Co. Premium Refund - (See Exhibit E.3) 130.24 4 Thrivent Financial Premium Refund - (See Exhibit E.4) 148.21 5 Lutheran Community at Telford - Refund Equity - (See Exhibit E.5) 42.165.00 TOTAL (Also enter on Line 5, Recapitulation) 47.216.55 (If more space is needed, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule E (Rev. 6-98) . Rev-1509 a+ (1-181 .. COMMONWEALTH OF PENNSVLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE F JOINTLY -OWNED PROPERTY ESTATE OF KRAMER, H. LLOYD FILE NUMBER 21-06-0885 If In ISlI8t WI. mlde Joint wtthln one yeer of the decedent's dele of dllth. It must be reported on schedule G. SURVIVING JOINT TENANT(S) NAME A. Marlene Fidler ADDRESS RELATIONSHIP TO DECEDENT Daughter 19 Charisma Drive Camp Hill, PA 17011 B. Doris Bossert 41 Round Ridge Rd. Mechanicsburg, PA 17055 Daughter C. JOINTLY OWNED PROPERTY: DESCRIPTION OF PROPERTY %OF DATE OF DEATH LETTER DATE ITEM FOR JOINT MADE INCLUDE NAME OF FINANCIAL INSTITUTION AND BANK ACCOUNT DATE OF DEATH DECD'S VALUE OF NUMBER TENANT JOINT NUMBER OR SIMILAR IDENTIFYING NUMBER. ATTACH DEED FOR VALUE OF ASSET INTEREST DECEDENT'S INTEREST JOINTLY-HELD REAL ESTATE. 1 A PNC Bank Checking Acct. No. 3.150.23 33.330% 1.049.97 50-0489-3961. $4800 was transferred from Univest to PNC on 8/18/06. This amount is included in the balances shown on the statements for both Univest and PNC. It has been deducted from the PNC balance as shown on the attached exhibit. - (See Exhibit F.1) TOTAL (Also enter on Line 6, Recapitulation) 1.049.97 (If more space is needed, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule F (Rev. 6-98) . Rev.1610 Ex+ (6-98) . SCHEDULE G INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY COMMONWEALTH OF PENNSYlVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF KRAMER, H. LLOYD FILE NUMBER 21-06-0885 This schedule must be completed and filed W the answer to any of questions 1 through 4 on the reverse side of the REV-1500 COVER SHEET is yes. ITEM . .~..~. . ,,~ DATE OF DEATH % OF DECO'S EXCLUSION TAXABLE NUMBER INCLUDE NAME OF TRANSFEREE, THEIR RELATIONSHIP TO DECEDENT AND VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE THE DATE OF TRANSFER. ATTACH A COPY OF THE DEED FOR REAL ESTATE. 1 Thrivent Financial Fund and Acct. No. 30.561.65 30.561.65 18-00007591431 titled to H. Lloyd Kramer, Trustee, Kramer Revocable Living Trust dtd 12/03/2001. - (See Exhibit G.1)Thrivent Financial Fund and Acct. No. 18-00007591431 titled to H. Lloyd Kramer, Trustee, Kramer Revocable Living Trust dtd 12/03/2001. 2 Thrivent Financial Fund and Acct. No. 3.540.34 3.540.34 23-00007591431 titled to H. Lloyd Kramer, Trustee, Kramer Revocable Living Trust dtd 12/03/2001. - (See Exhibit G.2) 3 Thrivent Financial Fund and Acct. No. 15.669.90 15.669.90 55-00007591431 titled to H. Lloyd Kramer, Trustee, Kramer Revocable Living Trust dtd 12/03/2001. - (See Exhibit G.3) 4 Thrivent Financial Fund and Acct. No. 13.020.42 13.020.42 55-00007603347, IRA, Beneficiary is the Kramer Revocable Living Trust. - (See Exhibit G.4) 5 Thrivent Financial Fund and Acct. No. 686.38 686.38 73-00006985299, IRA, Beneficiary is the Kramer Revocable Living Trust. - (See Exhibit G.5) 6 Thrivent Financial Fund and Acct. No. 35.353.62 35.353.62 73-00007591431 titled to H. Lloyd Kramer Revocable Living Trust dtd 12/03/2001. - (See Exhibit G.6) Total of Continuation Schedule ee attached page TOTAL (Also enter on Line 7, Recapitulation) 281.760.78 (If more space is needed, additional pages of the same size) Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule G (Rev. 6-98) ReY.1510 EX+ (6.98) *' SCHEDULE G INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY continued COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF KRAMER, H. LLOYD FILE NUMBER 21-06-0885 ITEM DESCRIPTION OF PROPERTY DATE OF DEATH % OF DECD'S TAXABLE EXCLUSION NUMBER INCLUDE NAME OF TRANSFEREE, THEIR RELATIONSHIP TO DECEDENT AND VALUE OF ASSET INTEREST (IF APPLICABLE) VALUE THE DATE OF TRANSFER. ATTACH A COPY OF THE DEED FOR REAL ESTATE. 7 564 Shares of Lucent titled to H. Lloyd Kramer, 1.280.28 1.280.28 Trustee u/a dtd 12/03/01 - (See Exhibit G.7) 8 1100 Shares ofVerizon titled to H. Lloyd Kramer, 37.774.00 37.774.00 Trustee, H. Lloyd Kramer Revocable Trust u/a dtd 12/03/01. - (See Exhibit G.8) 9 Thrivent Annuity Contract 4405830, Beneficiary 143.874.19 143.874.19 is the Kramer Revocable Living Trust dated 12/03/2001. - (See Exhibit G.9) TOTAL (Also enter on Line 7, Recapitulation) 281.760.78 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule G (Rev. 6-98) REV-11611:x+ (12-99) . SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF KRAMER, H. LLOYD FILE NUMBER 21-06-0885 Debts of decedent must be reported on Schedule I. ITEM DESCRIPTION AMOUNT NUMBER A. FUNERAL EXPENSES: See continuation schedule(s) attached 10,196.90 B. ADMINISTRATIVE COSTS: 1. Personal Representative's Commissions Social Security Number(s) I EIN Number of Personal Representative(s): Street Address City State Zip - Year(s) Commission paid 2. Attorney's Fees Drake, Hileman & Davis - Estimated 12,000.00 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 5. Accountant's Fees Crystal Hackett 100.00 6. Tax Return Preparer's Fees 7. Other Administrative Costs 420.23 See continuation schedule(s) attached TOTAL (Also enter on line 9, Recapitulation) 22,717.13 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1S00 Schedule H (Rev. 6-98) Rev-1502 IDc+ (6-98) *' SCHEDULE H.A FUNERAL EXPENSES continued cot.'MONWEAL TH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT KRAMER, H. LLOYD IFILE NUMBER 21-06-0885 ESTATE OF ITEM NUMBER DESCRIPTION AMOUNT 1 Anders Detweiler Funeral Home - (See Exhibit H.A.1) 8.360.84 2 Landis Supermarket - (See Exhibit H.A.2) 521.06 3 Kriebel-Craig Burial Service - (See Exhibit H.A.3) 485.00 4 Lori Lombardo - Sexton - (See Exhibit H.A.4) 45.00 5 Ray Johnson - St. Peter's Union Cemetery - (See Exhibit H.A.5) 50.00 6 Hilltown Union Cemetery - (See Exhibit H.A.6) 75.00 7 Katherine Reier - Organist - (See Exhibit H.A.7) 100.00 8 New Britain Granite & Bronze - (See Exhibit H.A.8) 560.00 Subtotal 10.196.90 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H-A (Rev. 6-98) Rev-1H2 I!X+ (6-98) . SCHEDULE H-B7 OTHER ADMINISTRATIVE COSTS continued COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF KRAMER, H. LLOYD FILE NUMBER 21-06-0885 ITEM NUMBER 1 DESCRIPTION Cumberland Law Journal- (See Exhibit H.B.7.1) AMOUNT 75.00 2 The Patriot-News - (See Exhibit H.B.7.2) 345.23 Subtotal 420.23 Copyright (c) 2002 fonn software only The Lackner Group, Inc. Fonn PA-1500 Schedule H-B7 (Rev. 6-98) Rev.1512 EX+ (6.98) *' SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS COMNIONWEAL TH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT KRAMER, H. LLOYD FILE NUMBER 21-06-0885 ESTATE OF Include unrelmbursed medical expense.., ITEM NUMBER DESCRIPTION 1 Bethany Village - (See Exhibit 1.1) VALUE AT DATE OF DEATH 1.220.00 2 Bethany Village - (See Exhibit 1.2) 2.450.00 3 Grand View Hospital - (See Exhibit 1.3) 20.42 4 Alert Pharmacy Svs. - (See Exhibit 1.4) 75.98 5 Outstanding checks at PNC Bank - (See Exhibit 1.5) 888.24 6 Grand View Hospital - (See Exhibit 1.6) 100.88 7 2006 Form 1040 - (See Exhibit 1.7) 1.305.00 8 2006 Form 1041 - (See Exhibit 1.8) 14.762.00 9 2006 PA-40 - (See Exhibit 1.9) 92.00 10 2006 PA-41 - (See Exhibit 1.10) 193.00 TOTAL (Also enter on Line 10, Recapitulation) 21,107.52 (If more space is needed. additional pages oflhe same size) Copyright (c) 2002 fonn software only The Lackner Group, Inc. Form PA-1500 Schedule I (Rev. 6-98) REV.1613 EX+ (9-001 ESTATE OF NUMBER I. . SCHEDULE J BENEFICIARIES COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT KRAMER, H. LLOYD NAME AND ADDRESS OF PERSON{S) RECEIVING PROPERTY TAXABLE DISTRIBUTIONS [include outright spousal aistributions.l. and transfers under Sec. l:I116{a){1.2)] FILE NUMBER 21-06-0885 SHARE OF ESTATE AMOUNT OF ESTATE (Words) ($$$) RELATIONSHIP TO DECEDENT Do Not Wilt Trustee/al 1 Doris Bossert 41 Round Ridge Road Mechanicsburg, PA 17055 Daughter 1/2 of residue of personal property 32% of residue Granddaughter 4% of residue of Trust 2 Tara Bossert 41 Round Ridge Road Mechanicsburg, PA 17055 3 Harmon Samuel Crowe 10917 Little Sparrow Place Columbia, MD 21044 Great-grandchild 1/5 of 6% of residue of Trust 4 Jennifer Crowe 10917 Little Sparrow Place Columbia, MD 21044 Granddaughter 4% of residue of Trust 5 Julia Esther Crowe 10917 Little Sparrow Place Columbia, MD 21044 Great-grandchild 1/5 of 6% of residue of Trust See continuation schedule attached Continuation Total Enter dollar amounts for distributions shown above on lines 15 through 18, as appropnate, on Rev 1500 cover sheet II. NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS See continuation schedule(s) attached 37,190.30 TOTAL OF PART 11- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET 37,190.30 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule J (Rev. 6-98) SCHEDULE .. BENEFICIARIES (Part I, Taxable Distributions) ESTATE OF: H. LLOYD KRAMER 165-10-9030 08/19/2006 Item Name and Address of Person(s) Share of Estate Amount of Estate Number Receiving Property Relationship (Words) ($$$) 6 Tyler Alexander Crowe Great-grandchild 1/5 of 6% of residue 10917 Little Sparrow Place of Trust Columbia, MD 21044 7 Zenia Anne Crowe Great-grandchild 1/5 of 6% of residue 10917 Little Sparrow Place of Trust Columbia, MD 21044 8 Christopher Fidler Grandson 4% of residue of 3410 Clubhouse Court, Apt. F Trust Richmond, VA 23294 9 Marlene Fidler Daughter 1/2 of residue of 19 Charisma Drive personal property Camp Hill, PA 17011 32% of residue of trust estate 10 Carol Norris Niece 2% of residue of 6528 Hasbrook Ave. Trust Philadelphia, PA 19111 11 Sally Scheer Niece 2% of residue of 105 Georglanna Drive Trust Richboro, PA 18954 12 Gretchen Stroud Granddaughter 4% of residue of 355 North McNeil Street Trust Memphis, TN 38112 13 Matthew Truman Stroud Great-grandchild 1/5 of 6% of residue 355 North McNeil St. of Trust Memphis, TN 38112 Total 1 Rev-1&q2 EX+ (6-98) . SCHEDULE .I.IIB CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS continued Cot.'MONWEAL TH Of PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT KRAMER, H. LLOYD IFILE NUMBER 21-06-0885 ESTATE OF ITEM NUMBER DESCRIPTION AMOUNT 1 Lutheran Community at Telford 18.595.15 2 St. Peter's Lutheran Church 14.876.12 3 Pennridge Senior Center 3.719.03 Subtotal 37.190.30 Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA.1500 Schedule J.IIB (Rev. 6-98) INDEX OF EXHIBITS EXHIBIT DESCRIPTION "1" True and Correct Copy of the Will ofR. Lloyd Kramer "2" True and Correct Copy of the Kramer Revocable Living Trust Agreement "3" True and Correct Copy of the Fourth Amendment to the Kramer Revocable Living Trust Agreement "B.l " Date of death balance of AT&T stock "B.2" Date of death balance ofAXA stock "B.3" Date of death balance of Comcast stock "BA" Date of death balance of A V A Y A "E.l " Date of death balance ofUnivest account "E.2" Benefit Advantage Co. refund "E.3 " State Farm refund "EA" Thrivent refund "E.5" Lutheran Community equity refund "F.1 " Date of death balance of PNC account "G.1 " Date of death balance of Thrivent Acct. No. 18-00007591431 "G.2" Date of death balance of Thrivent Acct. No. 23-00007591431 "G.3" Date of death balance of Thrivent Acct. No. 55-00007591431 "GA" Date of death balance of Thrivent Acct. No. 55-00007603347 "G.5" Date of death balance of Thrivent Acct. No. 73-00006985299 "G.6" Date of death balance of Thrivent Acct. No. 73-00007591431 "G.7" Date of death balance of Lucent stock "G.8" Date of death balance of V erizon stock Date of death balance of Thrivent Annuity Contract No. 4405830 Anders Detweiler Funeral Home bill Landis Supermarket receipt for funeral lunch Kriegel-Craig Burial Service payment record Sexton payment record St. Peter's Cemetery payment record Hilltown Cemetery permit fee payment record Organist payment record New Britain Granite and Bronze bill Cumberland Law Journal bill The Patriot News Bethany Village bill Bethany Village bill Grand View Hospital bill Alert Pharmacy bill PNC Outstanding checks Grand View Hospital bill 2006 Form 1040 2006 Form 1041 2006 PA-40 2006 PA-41 "G.9" "H.A.1 " "H.A.2" "H.A.3 " "H.A.4" "H.A.5" "H.A.6" "H.A.7" "H.A.8" "H.B.7.1 " "H.B. 7.2" "1.1 " "1.2 " "1.3" "1.4 " "1.5" "1.6" "1. 7" "1.8" "1.9" "1.1 0 EXHIBIT" 1 " TRUE AND CORRECT COPY OF THE WILL OF H. LLOYD KRAMER WILL OF H. LLOYD KRAMER I, H. LWYD KRAMER, residing at 301 East Church Road, Apt. #8, Telford, Pennsylvania 18969, declare this to be my Will, and I revoke all of my prior wills and codicils. ARTICLE I. FIDUCIARIES Section 1.01 Executors. I appoint my daughter, MARLENE FIDLER, residing at 5 Carpenter Lane, Stewartsville, New Jersey 08886, and my daughter, DORIS BOSSERT, residing at 41 Round Ridge Road, Mechanicsburg, Pennsylvania 17055, as the co-executors of my Will. If either MARLENE FIDLER or DORIS BOSSERT is unable, or ceases to serve as co- executor for any reason, the remaining co-executor shall continue to serve hereunder as the sole executor of this my will. The executor or executors appointed and serving from time to time under this my Will shall be referred to herein as the "Executor". No Executor shall be required to give or post bond or other security in any jurisdiction. ARTICLE n. DISPOSING OF MY ESTATE Section 2.01 Taneible Personal Property and Specific Gifts. (a) Specific Gifts: Letter to Executor. It is my intention to prepare and maintain with my valuable papers a letter to my Executor (the "Letter"), setting forth a list of certain of my assets, including but not limited to jewelry, clothing, household furniture and furnishings, collections, and other articles of personal use, and directing my Executor to make distribution of such items to certain named beneficiaries in accordance with that Letter. It is my desire that my Executor make distribution in accordance with my wishes as set forth in said Letter. I request that my Executor make a diligent search for such Letter, and ifmore than one be found, that the Letter dated closest to my death be deemed controlling. Provided, however, if such Letter has not been located within ninety (90) days after the date of my death, it shall be conclusively presumed that no such Letter exists, and my estate shall be administered and its assets distributed pursuant to this Will without any reference to such Letter. (b) Personal Property. Except as otherwise specifically provided herein or in my Letter, all of the following personal property which I own outright and not in trust: my jewelry, clothing, and other articles of personal use, my household furniture and furnishings, and my automobiles, and all insurance policies covering those things (referred to herein as "personal property") shall be distributed to my two daughters, MARLENE FIDLER and DORIS BOSSERT, or the survivor of them, to be divided between or among them as they shall agree in writing. It is my intention that each such child shall receive a portion of such personal property having an approximately equal monetary value to the shares received by each other child. If any of the beneficiaries of this subsection which are required to agree in writing regarding the distribution of such personal property, fail to so agree with respect to all the items involved within ninety (90) days after the date of my death, the Executor shall sell all of such personal property that cannot be agreed upon (together with all unclaimed items) and dispose of the net proceeds of the sale as part of my residuary estate. Any beneficiary of mine shall be entitled to bid upon, and purchase any such personal property at any such sale. Section 2.02 My Residuary Estate. My Executor shall distribute all of the rest of my estate, in trust, to the then serving Trustee(s) of the KRAMER REVOCABLE LIVING TRUST, created pursuant to a Trust Agreement signed on the date of this Will (as such Trust Agreement may subsequently be amended, modified, or restated), or any successor trust. The assets distributed to the Trust shall be held, managed and distributed in accordance with the terms of the Trust Agreement. 2 IN WITNESS WHEREOF, I have hereunto set my hand and seal (on this original instrument only) on the date indicated below. Dated: DEe ~ , 2001 ,'JI- ;lj~~~ H. LLOYD R In our presence H. LLOYD KRAMER signed this instrument and declared this instrument to be his will and we, at his request, in his presence, and in the presence of each other, have signed it as witnesses. WITNESSES: X f -knruJ ~ X ~Al~ ~7 Bailiwick Office Campus Suite 15 Doylestown, P A 18901 Bailiwick Office Campus Suite 15 Doylestown, PA 18901 3 AFFIDAVIT COMMONWEALTH OF PENNSYLVANIA ) ) ss. COUNTY OF BUCKS ) We H. LLOYD KRAMER, ~. L~O"\.4.,...J t:A\J~"S -m= and L:\\I\.~&\. ('rcu\.&f'( , the Testator and the Witnesses, respectively, whose names are signed to the foregoing instrument, being duly qualified according to law do depose and say that we were present and saw the Testator sign and execute the instrument as his Last Will; that he signed willingly (or willingly directed another to sign for him) and that he executed it as his free and voluntary act for the purposes therein expressed; that each of us in the hearing and sight of the Testator signed the Will as witnesses; and that to the best of our knowledge the Testator was at that time 18 or more years of age, of sound mind and under no constraint or undue influence. tj~~~ WITNESS J/- X:~ ~ H. LLOYD MER it.4<L.-' ,~LuJ WITNESS , Subscribed and sworn to and acknowledged before me, by H. LLOYD KRAMER, the T~tor, and subscribed and sworn to before me by the above-named Witnesses, on this, the ~dayof ~~POAM~ ,2001. NOTARY PUB I 4 Notarial Seal Pamela J. Hafner, Notary Public Doylestown Twp., Bucks County MV Commission Expires Sept. 3, 2002 Member, Pennsylvania Association 01 Notaries EXHIBIT "2" TRUE AND CORRECT COPY OF THE KRAMER REVOCABLE LIVING TRUST AGREEMENT THE KRAMER REVOCABLE LnnNGTRUSTAGREEMENT DATED DECEMBER 3, 2001 TABLE OF CONTENTS ARTICLE I. DEFINITIONS~ INlERPRETATIONS ............................................. 1 Section 1.01. Parts I and II . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 1 Section 1.02. Defined Terms. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 1 Section 1.03. InteroIetations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . " 1 ARTICLE 2. TRUSTESTATE ............................................................. 2 Section 2.01. Transfer in Trust . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 2 Section 2.02. Transfer of Personal ProoerlY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 2 Section 2.03. Additions to Trust Estate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 2 ARTICLE 3. TIlE TRUSTEE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . " 2 Section 3.01. The Initial Trustee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 2 Section 3.02. Successor Trustees. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 2 Section 3.03. ResilZIlation of a Trustee ................................................. 3 Section 3.04. Comoensation of the Trustee " . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 3 Section 3.05. Limitation of Trustee's Liabilitv . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . " 3 Section 3.06. Relations With Trustee .................................................. 3 Section 3.07. Bondine:. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . " 4 Section 3.08. Allocation ofIncome and Principal. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . " 4 Section 3.09. Books of Record: Accountine: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 4 ARTICLE 4. REVOCATION OF TRUST ..................................................... 4 Section 4.01. Revocation Durine: Life of Settlor .......................................... 4 Section 4.02. Trustee's Duties on Revocation ............................................ 4 ARTICLE 5. BENEFICIARIES OF TRUST; DISTRIBUTIONS .................................... 5 Section 5.01. Lifetime Distributions to Settlor. ........................................... 5 Section 5.02. Payment of Funeral Expenses and Estate Administration Expenses of Settlor ......... 5 Section 5.03. Death of Settlor. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . " 5 Section 5.04. Familv Trust .......................................................... 7 Section 5.05. Contingent Distribution Provision . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . " 9 Section 5.06. Termination of Trust . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . " 9 ARTICLE 6. POWERS OF TRUSTEE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 11 Section 6.01. Limitations on Powers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 11 Section 6.02. Description of Powers .................................................. 11 Section 6.03. Subchapter S Coroorations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 16 Section 6.04. Distribution in Kind or Cash . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 17 ARTICLE 7. OTIlERPOWERSANDDUTIESOFTRUSTEES ................................... 17 Section 7.01. Reinstatementofa Trustee: Incaoacitv................... ..... .............. 17 Section 7.02. ADDointing Successor Trustees ........................................... 18 Section 7.03. Chan2ine: an Institutional Trustee ............... . . . . . . . . . . . . . . . . . . . . . . . . .. 18 Section 7.04. Decisions and Action of Trustees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 19 Section 7.05. Discretionary Decisions of Trustees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 19 Section 7.06. Earlv Ending of Trusts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 19 Section 7.07. Provision for Persons Under Age 21 and Disabled Persons. . . . . . . . . . . . . . . . . . . . . .. 20 Section 7.08. Disclaimers bv Trustee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 21 Section 7.09. Conflict ofInterest . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 21 Section 7.10. AccountingbvTrustee .................................................. 21 Section 7.11. Delegations and Disclaimers of Rights and Powers ............................ 22 ARTICLE 8. TAX PROVISIONS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 23 Section 8.01. TaxPavments. Elections. and Returns ...................................... 23 ARTICLE 9. GENERAL PROVISIONS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 24 Section 9.01. Governing Law ....................................................... 24 Section 9.02. Situs of Trust . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 24 Section 9.03. Forum Selection. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 25 Section 9.04. Comolete Agreement Amendments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 25 Section 9.05. Severabilitv ........ . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 25 Section 9.06. Cooies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 25 Section 9.07. Protective Provision. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 25 Section 9.08. Disclaimers bv Beneficiaries ............................................. 25 Section 9.09. Contest of Trust . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 26 Section 9.10. Perpetuities Savings Clause. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 26 Section 9.11. Incorooration bv Reference .............................................. 26 ARTICLE 10. DEFINITIONS ............................................................. 26 Section 10.01. Definitions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 26 ii THE KRAMER REVOCABLE LIVING TRUST AGREEMENT THIS TRUST AGREEMENT is dated the date indicated at the end of this document below, just above the execution lines, and is entered into by H. LLOYD KRAMER, a single individual, residing at 301 East Church Road, Apt. #8, Telford, Pennsylvania 18969 (hereinafter referred to as the "Settlor"), and H. LLOYD KRAMER (hereinafter referred to as the "Trustee"). The parties hereto, intending to be legally bound, hereby agree as follows: PARTIOF THE TRUST AGREEMENT ARTICLE L DEFINITIONS; INTERPRETATIONS Section 1.01. Parts I and II. This Trust Agreement is in two parts, Part I and Part IT. The provisions ofthe Trust Agreement which are of primary concern to me, as Settlor, especially the appointment of fiduciaries and basic plan for the disposition of the Trust Estate, are set forth in this Part I of my Trust. Part IT of my Trust, which was prepared by my attorney to supplement the provisions of this Part I, contains a number of provisions which apply in various ways to my fiduciaries and to the management and disposition of the Trust Estate. It is my desire, as Settlor, that Parts I and IT together be deemed to comprise the Trust Agreement as an integrated document. I further desire to incorporate Part IT of the Trust Agreement into Part I of the Trust Agreement by reference. Section 1.02. Defined Terms. Certain terms used in this Trust Agreement, and in particular terms which are capitalized, shall have the meanings given to those terms in Section 10.01, contained in Part IT hereof. Section 1.03. Interpretations. Where the context permits, the singular includes the plural, and vice versa. Where the context permits, the masculine gender includes the feminine, and each of them includes the neuter, and vice versa. The headings or titles that precede the various Sections, articles, and clauses, and certain subsections of the Trust are provided merely as a reference guide. They shall not be used to explain or limit the meaning, purpose, or effect of any of the provisions that they introduce. ARTICLE2. TRUST ESTATE Section 2.01. Transfer in Trust. (a) The Settlor has transferred and delivered to the Trustee, for no consideration, the property described in the Schedule of Trust Property. (b) The Trustee hereby acknowledges receipt of such property. (Such property, together with all property hereafter subject to this Trust shall constitute the "Trust Estate"). The Trust Estate shall be held, managed, administered, and distributed by the Trustee as hereinafter provided. Section 2.02. Transfer of Personal Property. The Settlor, intending to be legally bound, hereby assigns, transfers, sets over, grants, and gives to the Trustee, IN TRUST, subject to the terms ofthis Trust Agreement, all of the Tangible Personal Property (as that term is defined in Section 10.01) now owned or hereafter acquired by the Settlor. It is the intention and direction of the Settlor that all such Tangible Personal Property shall be, from and after the date of this Agreement, titled in, and be deemed the property of, the Trust, and shall be held and governed by and in accordance with the provisions of this Trust, as the same may hereafter be amended or modified. The Settlor may exclude any item of Tangible Personal Property from the general description set forth above by indicating such excluded property below, in a separate attachment or exhibit attached to this Agreement, or by a separate document in writing signed by the Settlor. Section 2.03. Additions to Trust Estate. The Settlor, and any other person, shall have the right at any time to add property to this Trust which is acceptable to the Trustee, and such property, when received and accepted by the Trustee, shall become part of the Trust Estate. ARTICLE 3. THE TRUSTEE Section 3.01. The Initial Trustee. The Initial Trustee under this Agreement shall be H. LLOYD KRAMER. Section 3.02. Successor Trustees. It is the intention of the Settlor that a trustee shall serve at all times during the term of this Agreement. Accordingly, upon the Cessation of Service of the Initial Trustee, the Successor co-Trustees named below are hereby appointed and shall serve jointly. If one of the named Successor co-Trustees shall fail or cease to serve for any reason, but the other Successor-Co- Trustee remains willing and able to serve as Trustee hereunder, the Successor co-Trustee remaining willing and able to serve shall serve as the sole 2 Trustee hereunder. Successor co- Trustees Name Address MARLENE FIDLER 5 Carpenter Lane Stewartsville, New Jersey 08886 AND DORIS BOSSERT 41 Round Ridge Road Mechanicsburg, Pennsylvania 17055 Unless otherwise indicated above, Successor co-Trustees shall serve jointly. Section 3.03. Resignation of a Trustee. Any Trustee may resign at any time by a written instrument that states that said Trustee is resigning, is signed by the resigning Trustee (or by its appropriate officer in the case of an Institutional Trustee), and is delivered to the remaining Trustee(s), as the case may be, or, if none remains, to the Settlor, or if the Settlor is deceased, to the then living, adult beneficiaries of the Trust, or if there are no living adult b~neficiaries, to the guardian or guardians of all minor beneficiaries. Section 3.04. Compensation of the Trustee. (a) The Initial Trustee hereby waives all fees for services as Trustee hereunder. (b) Any individual Successor Trustee serving hereunder shall be entitled to reasonable compensation for its service as Trustee hereunder and reimbursement for expenses incurred in carrying out the duties of Trustee. ( c) Any Institutional Trustee serving hereunder shall be entitled to reasonable compensation for its services as Trustee hereunder, determined in accordance with its published fee schedule. Section 3.05. Limitation of Trustee's Liability. No Trustee appointed under this Agreement shall at any time be held liable for any action or default of such Trustee or his agent or of any other person in connection with the administration of the Trust Estate, unless caused by such Trustee's own gross negligence or by a willful commission by such Trustee of an act in breach of trust. Section 3.06. Relations With Trustee. No one dealing with the Trustee need 3 inquire concerning the validity of anything the Trustee purports to do, or need see to the application of any money paid to the Trustee, or any property transferred to or for the order of the Trustee. Section 3.07. Bondine. No bond shall be required of the Trustee hereunder or of any Successor Trustee; or if a bond is required by law, no surety shall be required on such bond. Section 3.08. Allocation of Income and Principal. The Trustee shall determine what is income and what is principal of each trust created under this Agreement, and what expenses, costs, taxes, and charges of any kind whatsoever shall be charged against income and what shall be charged against principal in accordance with the applicable statutes of the State of the situs of the Trust at the time such allocation is to be made, as such statutes may now exist and may from time to time be enacted, amended or repealed. Section 3.09. Books of Record; Accounting. All Successor Trustees shall maintain books of record and shall account annually of their administration of the Trust hereunder to all then known beneficiaries of this Trust. ARTICLE 4. REVOCATION OF TRUST Section 4.01. Revocation During Life of Settlor. (a) Settlor Alive. While the Settlor is alive and competent, this Agreement, and any trust created hereunder, may be amended, altered, revoked, or terminated, in whole or in part, or any provision hereof, by an instrument in writing signed by the Settlor, and delivered to the Trustee. (b) Incapacity of The Settlor. During the Incapacity of the Settlor, no person other than the Settlor's duly appointed attorney-in-fact pursuant to a written, valid durable power of attorney granting the requisite powers shall be entitled to amend, alter, revoke or terminate this Agreement; provided, however, that such action shall not adversely affect the Incapacitated Settlor's rights to the principal or income of the Trust Estate or the proceeds thereof as provided for herein. (c) Death of Settlor. From and after the death of the Settlor, this Agreement and all trusts created hereby shall become irrevocable and shall not thereafter be altered or amended. Section 4.02. Trustee's Duties on Revocation. If the entire Trust is revoked by the Settlor, the Trustee shall transfer to the Settlor, the entire Trust Estate, and shall execute and deliver to the Settlor, all instruments which are necessary or appropriate to release all interest of the Trustee in the Trust Estate. 4 ARTICLE 5. BENEFICIARIES OF TRUST; DISTRIBUTIONS Section 5.01. Lifetime Distributions to Settlor. During the life of the Settlor, the Trustee shall distribute the principal of, and/or the income accrued with respect to, the Trust: (1) in such amounts.(up to the whole thereof); (2) at such time or times, or on such periodic basis; and (3) to such person or persons (including the Settlor or to any other person), in each case as the Settlor shall direct. If the Settlor is Incapacitated or otherwise unable to give direction to the Trustee, then the Trustee shall distribute principal and/or income to the Settlor from the Settlor's Share as the Trustee, in the Trustee's sole and unfettered discretion, shall consider necessary or advisable for the maintenance, welfare, support, education and/or medical or emergency needs of the Settlor. Section 5.02. Payment of Funeral Expenses and Estate Administration Expenses of Settlor. On the death of the Settlor, the Trustee, in the Trustee's discretion, may payout of the income or principal of the Trust Estate, the expenses of the last illness and funeral of the Settlor, and, in addition thereto, the probate (if applicable) and other administrative costs and expenses related to the estate of the Settlor, including but not limited to state inheritance taxes, unless the Trustee determines that other adequate provisions have been made for the payment of any of such expenses. Section 5.03. Death of Settlor. (a) Disposition of Taneible Personal Property by Letter. The Settlor shall be entitled to prepare and maintain with the Settlor's valuable papers a letter to the Trustee (the "Letter"), setting forth a list of certain Tangible Personal Property of the Settlor, including but not limited to jewelry, clothing, household furniture and furnishings, collections, and other articles of personal use, and directing the Trustee to make distribution of such items to certain named beneficiaries in accordance with that Letter. It is the Settlor's desire that the Trustee make distribution in accordance with the wishes of the Settlor as set forth in said Letter. The Successor Trustee shall make a diligent search for such Letter, and ifmore than one be found, the Letter dated closest to the date of death of the Settlor shall be deemed controlling. Provided however. if such Letter has not been located within ninety (90) days after the date of the death of the Settlor, it shall be conclusively presumed that no such Letter exists, and this Trust shall be administered and its assets distributed pursuant to the terms of this Agreement without any reference to such Letter. (b) Disposition of Taneible Personal Property Bv Family Aereement. With the exception of Tangible Personal Property subject to the instructions of the Settlor as set forth in the Letter or Letters described above, upon the death of the Settlor all Tangible Personal Property of the Settlor held in Trust, including all jewelry, clothing and other articles of personal use, and, except as otherwise specifically provided, all household furniture and furnishings, and all 5 automobiles, and all insurance policies covering those things, shall be distributed to the Settlor's children, who survive the Settlor, to be divided between or among them as such children shall agree in writing, with the objective that each such child shall receive a portion of such Tangible Personal Property having an approximately equal monetary value to the share received by each other child.' If the beneficiaries hereunder which are required to agree in writing regarding the distribution of such Tangible Personal Property, fail to so agree with respect to all the items involved within ninety (90) days after the date of death of the Settlor, the Trustee shall sell all of such Tangible Personal Property that cannot be agreed upon (together with any unclaimed items) and dispose ofthe net proceeds of the sale as part of the residue described below. (c) Residue. Upon the death of the Settlor, after distribution of Tangible Personal Property and specific gifts as indicated above in subsections (a) and (b), the Trustee shall distribute all the principal and any undistributed income which then remains in the Trust, after the payment of, or provision for, all costs, fees and expenses of estate administration, final debts, liabilities and obligations, and all estate, inheritance, death, transfer and related taxes, including final income taxes imposed by any taxing authorities, federal, state or local (such net residue referred to herein as the "Net Residue"), as follows: (1) Twenty Eight percent (28%) of the Net Residue to the Settlor's daughter, MARLENE FIDLER, currently residing at 5 Carpenter Lane, Stewartsville, New Jersey 08886~ (2) Twenty Eight percent (28%) of the Net Residue to the Settlor's daughter, DORIS BOSSERT, currently residing at 41 Round Ridge Road, Mechanicsburg, Pennsylvania 17055~ (3) Eighteen percent (18%) ofthe Net Residue to the Settlor's friend and soon to be spouse, NORMA PALEY, currently residing at 102 AHem Lane, Perkasie, Pennsylvania 18944~ (4) Two percent (2%) of the Net Residue to the Settlor's niece, SALLY SCHEER, currently residing at 105 Georgianna Drive, Richboro, Pennsylvania 18954~ (5) Two percent (2%) of the Net Residue to the Settlor's niece, CAROL NORRIS, currently residing at 6528 Hasbrook Avenue, Philadelphia, Pennsylvania 19111; (6) Four percent (4%) of the Net Residue to the Settlor's granddaughter, JENNIFER CROWE, currently residing at 10917 Little Sparrow Place, Columbia, Maryland 21044~ (7) Four percent (4%) ofthe Net Residue to the Settlor's grandson, CHRISTOPHER FIDLER, currently residing 3410 Clubhouse Court, Apt. F, Richmond, 6 Virginia 23294; (8) Four percent (4%) of the Net Residue to the Settlor's granddaughter, TARA BOSSERT, currently residing 41 Round Ridge Road, Mechanicsburg, PennsylvaBia 17055; (9) Four percent (4%) ofthe Net Residue to the Settlor's granddaughter, GRETCHEN BOSSERT, currently residing 5436 Tanney, Alexandria, Virginia 22304; (10) Three percent (3%) of the Net Residue to the LUTHERAN COMMUNITY AT TELFORD, with a current address of235 North Washington Street, Telford,Pennsylvmna 18969; and (11) Three percent (3%) of the Net Residue to ST. PETER'S LUTHERAN CHURCH, with a current address 1530 Augsburg Drive, Hilltown Pike, Line Lexington, Pennsylvania 18932. The Trustee shall distribute the share of each beneficiary of the Settlor then living entitled to take hereunder outright, directly, free of trust and as soon as practicable in the context of administration of the Trust, to such beneficiary. The Trustee shall distribute the share of each predeceased beneficiary of the Settlor to the then living issue of such predeceased beneficiary, on a per stirpes basis. However, the Trustee shall hold the entire share of each beneficiary entitled to take hereunder who has not attained the age of twenty-five (25) years, and such portion of the share of any beneficiary entitled to take hereunder who has not attained the age of thirty (30) years that would otherwise be required to remain in trust pursuant to Section 5. 04( a )(3) hereof, and the entire share of any beneficiary who is under a legal disability or is Incapacitated at the time such distribution is to be made, in trust for such beneficiary, pursuant to the Family Trust set forth below. Section 5.04. Family Trust. The Trustee shall hold, manage, invest and distribute the property distributed to the Family Trust for underage, disabled or Incapacitated beneficiaries pursuant to this Section. The Trustee shall hold the share of each beneficiary of the Family Trust, as a separate share for such beneficiary, but the shares ofall said beneficiaries may be commingled or aggregated within the Trust. (a) Underage Beneficiaries. The Trustee shall separately account for the share of each beneficiary ofthe Family Trust who is under age thirty (30), and shall dispose of the net income and principal of each share thereof, as follows: (1) Income Distributions. Until the beneficiary reaches age thirty (30), the Trustee may distribute to the beneficiary, or apply for the beneficiary's benefit, such amounts of the net income, or all of the net income of such beneficiary's share, as the Trustee may 7 determine. The Trustee shall do so whenever and in whatever manner the Trustee considers advisable. The Trustee shall add to the principal of such beneficiary's share the net income, if any, that remains undistributed at the end of each taxable year of the Trust. (2) Principal Distributions. The Trustee shall distribute to the beneficiary, or apply for the beneficiary's benefit, whatever portions of the principal of such beneficiary's share as the Trustee may from time to time consider necessary or advisable for the following purposes: (A) For the beneficiary's maintenance; (B) For the beneficiary's education at any level; (C) To enable or assist the beneficiary to purchase a home (in the beneficiary's name or in the joint names of the beneficiary and his or her spouse, as the Trustee shall determine); (D) To enable or assist the beneficiary to enter into a business or professional enterprise which the Trustee approves (and on terms the Trustee approves); (E) For a wedding gift for the beneficiary; and (F) For any emergency needs of the beneficiary or the beneficiary's issue. (3) Residuary Distribution. Each beneficiary's share of the principal and accumulated interest in the Trust shall be distributed to, or to the order of, such beneficiary, upon receipt by the Trustee of a written request for distribution, signed by such beneficiary, in accordance with the following schedule: (A) Upon reaching age twenty-five (25), or at any time thereafter, the beneficiary may request up to one-third (113) of his or her share of the principal and accumulated interest in the Trust; (B) Upon reaching age twenty-seven (27), or at any time thereafter, the beneficiary may request up to one-half(l/2) of his or her share of the principal and accumulated interest in the Trust, in addition to all amounts the beneficiary was previously entitled to request hereunder; (C) Upon reaching age thirty (30), or at any time thereafter, the beneficiary may request an amount up to the full balance of his or her share of the principal and accumulated interest in the Trust. 8 The Trustee shall distribute to the beneficiary as promptly as possible after receiving such request, the amount requested by such beneficiary, up to the amount permitted pursuant to the terms of this Section. Any beneficiary, after reaching each such age, may permit all or any portion of such beneficiary's share of the Trust to remain in the Trust to be managed, invested and reinvested for any period such beneficiary desires, for so long as such beneficiary shall live, and provided such Trust is not sooner terminated in accordance with the provisions of this Agreement. (4) Predecease. Upon the death of the beneficiary prior to complete distribution of the principal of his or her share of the Trust, the Trustee shall distribute the principal and any undistributed income which then remains of such share to such beneficiary's issue then living, per stiIpes, or, ifthere are no such issue, to the Deceased Settlor's issue then living, per stirpes; However, each share which is distributable under this Subsection to a beneficiary who is then a beneficiary of the Family Trust shall be added to the principal of such beneficiary's share of the Trust, to be held, administered, and disposed of according to all the provisions relating to the Family Trust. (b) Incapacitated Beneficiaries. The Trustee shall hold and separately account for the share of each Incapacitated or disabled beneficiary, who is also a minor, in accordance with the provisions of subsections (1) and (2) above. However, it is the intention and direction of the Settlor that, if practicable, the share of a disabled or Incapacitated beneficiary not be distributed directly to such beneficiary for so long as such condition of disability or Incapacity lasts. However, provided that the beneficiary is not a minor, the Trustee shall be authorized to utilize the Trustee's powers as set forth in Section 7.04 hereof Section 5.05. Contineent Distribution Provision. In the event that: (a) at the time fixed for distribution of any share or portion under any provision of this Agreement, or under any trust created under this Agreement, there is no beneficiary living to whom, or to whose trust, such share or portion is distributable under the provisions of this Agreement, and no other alternative distribution is specifically stated in this Agreement, or, if stated, such distribution is not possible for any reason; or (b) any provision of this Agreement provides for distribution under this Contingent Distribution Provision; then, in any such event, the Trustee shall make distribution of such share or portion to the Settlor's then living issue, per stirpes. Section 5.06. Termination of Trust. Upon distribution as aforesaid, this Agreement, and all trusts created hereunder, shall cease, determine and end. IN WITNESS WHEREOF, this Trust Agreement (including the following Part II) has 9 been signed by the Settlor and by the Trustee, intending to be legally bound, on the date indicated below. DATED: _PE'[ P(Y1.1!r1l. :J . 2001 WITNESS: r ~ad @oll# SETfLOR: l(~~'" H. LLOYD R TRUSTEE: I ~M{L((I &u~ )i~~ H. LLO R 10 PART n OF THE TRUST AGREEMENT ARTICLE 6. POWERS OF TRUSTEE Section 6.01. Limitations on Powers. (a) All powers given to the Trustee by this Agreement are exercisable by the Trustee only in a fiduciary capacity. (b) No power given to the Trustee hereunder shall be construed to enable any Successor Trustee to: (1) purchase, exchange, or otherwise deal with or dispose of the Trust Estate or any portion thereoffor less than an adequate consideration in money or money's wo~ or (2) borrow money from the Trust Estate or to authorize loans to others except pursuant to such interest charge, security, and other provisions as the Trustee, in the Trustee's sole discretion, shall deem acceptable and appropriate. (c) No person, other than the Trustee, shall have or exercise the power to: (1) vote or direct the voting of any corporate shares or other securities held by any trust hereunder; (2) control the investment of any trust either by directing investments or reinvestments or by vetoing proposed investments or reinvestments; or (3) to reacquire or exchange any property of any trust hereunder by substituting other property. (d) The Successor Trustee's powers with respect to investment of Trust assets shall be subject to the following investment policy, with respect to risk, current income generation, and growth of principal. The Settlor has indicated a number below for each of the three said factors, and each of said numbers shall reflect a level within a range of 0 to 10, where 0 is the least degree, and 10 is the greatest degree with respect to each of said factors. With respect to risk, 0 would indicate the lowest degree of risk possible, and 10 would indicate the highest degree of risk which could be reasonably contemplated in the context of trust investments. With respect to current income generation, 0 would indicate no income generation, whereas 10 would indicate the highest reasonable degree of income generation with respect to trust investments. With respect to growth of principal, 0 would indicate a policy of little or no growth, while maximizing the preservation of principal, and 10 would indicate a policy designed to inaximize growth of principal at the potential expense of loss of principal in the event of complete or partial failure of one or more investments. The Settlor has defined the degree of said factors as follows: (1) Degree of risk: 6 (2) Current Income Generation: 6 (3) Growth of Principal: 4 Section 6.02. Description of Powers. Subject to the limitations of powers set forth in the preceding Section entitled "Limitations on Powers," in order to carry out the purposes of this Agreement, the Trustee (including any Successor Trustee), shall at all times have all authority and powers conferred by applicable 11 law, and, in addition to all other powers granted by law, shall have the following additional powers, authority and discretion: (a) General To do all the acts, to take all the proceedings, and to exercise all the rights, powers, and privileges which an absolute owner of the property would have, subject always to the discharge of the Trustee's fiduciary obligations; the enumeration of certain powers in this Agreement shall not limit the general or implied powers of the Trustee; the Trustee shall have all additional powers that may now or hereafter be conferred on the Trustee by law or that may be necessary to enable the Trustee to administer any trust hereunder in accordance with the provisions of this Agreement, subject to any limitations specified in this Agreement. (b) Retention and Investment. To retain and to invest in all forms of real and personal property, including but not limited to, corporate and government obligations of every kind, stocks, preferred and common, certificates of deposit, mutual funds and common trust funds operated by any Institutional Trustee that may serve hereunder, regardless of: (1) Any limitation imposed by law on investments by trustees; (2) Any principle of law concerning delegation of investment responsibility by trustees; and (3) Any principle oflaw concerning investment diversification. The preceding investment powers include the powers to exercise any stock options acquired by any trust hereunder as well as the purchase of life insurance and annuities for the benefit of a Settlor's estate or any trust created under this Agreement. The Trustee may hold securities or other trust property in the name of the Trustee as trustee under this Agreement or in the Trustee's own name or in the name of a nominee or in such conditions where ownership will pass by delivery. (c) Disposition of Property. To sell at public or private sale, to grant options on, to exchange or otherwise to dispose of any property held hereunder, whenever and on whatever terms (including credit, with or without security), conditions, prices and other considerations the Trustee may consider advisable. This includes the powers to give legally sufficient instruments for transfer of the property and to receive the proceeds of any disposition of it. The Trustee is also authorized to abandon any property which, in the Trustee's opinion, has little or no value. (d) Payment of Premiums. To pay from income or principal any premiums that become due from time to time on life insurance or annuity policies owned by a Settlor or any trust hereunder or acquired for the benefit of a Settlor or any trust. (e) Manaeement of Real Estate. To take possession of any real property or interest in real property held under any trust under this Agreement; to manage, operate, maintain and collect the rentals of the property; to pay the taxes, mortgage interest, and other charges against the property; and to make structural or other replacements, repairs, and improvements to it. (f) Leasine. To lease any real or personal property held under any trust created pursuant to this Agreement, with or without options to purchase, on whatever terms and conditions and for whatever periods the Trustee may consider advisable, without regard to any limits imposed by law on the duration of those leases, and even if the leases extend beyond the term of any trust hereunder. This includes the power to reserve in the leases fixed rentals, rentals based upon the amounts of business or profits of the tenants, or rentals 12 based upon any other conditions. It also includes the power to renew, cancel, amend, extend, and consent to the assignment of, any lease, on whatever terms the Trustee may consider advisable. (g) Borrowine. (1) B. LLOYD KRAMER. in his capacity as Initial Trustee hereunder, shall have the right, authority, and power to borrow money from any person or institution (the term "institution" shall include, but not be limited to, any financial institution, bank, bank and trust company, savings bank, savings and loan association, other thrift institution, or credit union whether federally or state chartered, or otherwise), for any purpose, and on any terms and conditions, as the Initial Trustee, in his sole judgment and discretion, may determine. In connection with the foregoing, the Initial Trustee shall have the power to execute any promissory notes, loan documents, or other instruments or other obligations evidencing or securing any such loan or loans. The Initial Trustee shall also have unlimited authority and power to enter into, ~xecute and deliver any security agreements, mortgages, guaranties, suretyship agreements, or other collateral instruments pledging, granting a lien upon, mortgaging, encumbering, or otherwise providing a security interest in, any or all of the Trust Estate (whether real or personal property) held under this Trust. Any loan incurred by the Initial Trustee hereunder, and any promissory notes, loan agreements, or other security agreements, instruments or documents executed by the Initial Trustee, or either of them hereunder, shall be binding upon any Successor Trustee hereunder, and all successors and assigns of any of the foregoing. (2) Any Successor Trustee shall have the right, authority and power to borrow from any person or institution (as defined in Subsection (1)) for any valid trust purpose, including but not limited to the purposes of: (A) payment of debts of the Trust or of the Settlor; (B) payment of taxes (whether federal, state or local) of the Trust or the Settlor; (C) any estate or Trust administration expenses; (0) to protect or improve any property held hereunder; and (E) for investment purposes. Any Successor Trustee shall have the right to mortgage, pledge, encumber or grant a security interest in any property (whether real or personal) of the Trust to secure any indebtedness of the Trust hereunder. No Successor Trustee acting hereunder shall be personally liable for any such loan, unless such Successor Trustee shall guarantee or become co-signor for such loan. The Successor Trustee shall only repay any such loan incurred by any Successor Trustee out of assets of the Trust or subtrust for which the funds were borrowed, or which was benefitted by such loan. However, notwithstanding the foregoing, no lender or other creditor shall be required to inquire into the validity of such loan, and such loan and all loan documents executed in connection therewith shall be binding upon the Trust and such Successor Trustee, in his or her capacity as Trustee hereunder, regardless of what Trust or subtrust may be benefitted hereunder and regardless of what trust or subtrust payment is made from. (3) The borrowing powers hereunder shall include, but not be limited to, the power to enter into or to continue in effect so called "Minimum Deposit" arrangements for the payment of life insurance premiums (to the extent that the payments are permitted under Subsection (d) above), or otherwise to borrow on the cash values of any policies held hereunder, from insurers or lending institutions, to use the borrowed funds for any other purposes mentioned in this Section, and to pay any interest that may be or become due as a result of such minimum deposit or other policy loan arrangements. (h) Lendin!!. To make secured or unsecured loans from any trust hereunder to any persons, entities, or organizations in whatever amounts, at whatever interest rates, and on whatever terms that the Trustee may consider advisable. (i) Renewal and Extensions. To renew or to extend the time for any debtor to pay any obligation, secured or unsecured, for whatever periods and on whatever terms the Trustee may consider advisable. (j) Ri2hts and Votinl!. To exercise, sell, or abandon all conversion, subscription, and other rights, options, powers, and privileges pertaining to any stocks, bonds, or other securities, and to vote upon 13 them in person or by proxy. The Trustee may do these things to the same extent that a person who is not a trustee can do them with respect to his or her own securities. (k) Coroorate Chan2es. To oppose, or to assent to andjoin in, any merger, reorgani7.l'1tion, voting trust plan, or other concerted action of securities holders; to delegate discretionary duties with respect to such actions; and to pay any fees, expenses, or assessments incurred. The Trustee may do these things to the same extent that a person who is not a trustee can do them with respect to his or her own securities. (I) Claims and Suits. To adjust, settle, compromise, abandon, submit to arbitration, or sue on or defend, any claims by or against any trust hereunder. (m) Bank Accounts and Safe Deoosit Boxes. To select one or more depositories and to authorize payment out of any accounts on checks or withdrawal forms signed by any person or persons the Trustee may designate in writing, and to delegate to any person or persons the Trustee may designate in writing access to any safe deposit box or boxes the Trustee may rent. (n) Emerts: A2ents: Monev Manaeer. To engage and compensate attorneys, accountants, brokers, investment counselors, business or property appraisers, and other agents whose services the Trustee considers advantageous to any trust hereunder. Any individual fiduciary, and any firm in which any individual fiduciary may have an interest or be employed, may be so engaged and compensated. The Trustee shall be entitled to engage or retain any third party Money Manager or Investment Manager to manage, invest, and administer the assets of the Trust Estate hereunder, and to provide reasonable and customary compensation to such Money Manager or Investment Manager for services rendered. The Trustee shall provide direction and guidance to such Manager, shall request and review periodic reports from said Manager, shall supervise and direct such Manager, and shall terminate the services of any such Manager in the event that the services or performance of the Manager are deemed to be unsatisfactory, in the sole determination and discretion of the Trustee. (0) Custodian Accounts. To employ an institution or trust company as agent or custodian for any trust, if no Institutional Trustee is serving, to have securities registered in the name of the agent or custodian or its nominee without indicating any fiduciary relationship; to authorize the agent or custodian to receive and disburse any income; and to pay the charges and expenses of the agent or custodian. (P) Nominees. To have securities that may from time to time be held hereunder registered in the name of a nominee without indication of any fiduciary relationship, or to hold securities unregistered and retain them in such condition that ownership of the securities can be transferred by delivering them. (q) Insurance Coveraee. To obtain and keep in force whatever fire, theft, liability, casualty, life, or other insurance the Trustee considers advisable for the protection of any trust hereunder. (r) Qualified Plan Elections. To select a mode of payment under any qualified retirement plan (pension plan, profit sharing plan, employee stock ownership plan, or any other type of qualified plan) to the extent the plan or the law permits the Trustee to do so, and to exercise any other rights which the Trustee may have under the plan, in whatever manner the Trustee considers advisable. Regardless of the form or timing of any payments received by the Trustee from any qualified retirement plan, or the characterization or treatment of any such payments for tax purposes, the Trustee shall treat all payments so received as principal for estate and trust accounting purposes and for purposes of the distributions that are permitted or directed herein. (8) Additional Assets. To accept and place in any trust or trusts hereunder, and hold, 14 administer, and distribute under all the provisions that apply to such trust or trusts, the proceeds of life insurance policies and any other death benefits payable to the Trustee by other persons under the provisions of their wills or other instruments that refer to the Trustee or this Agreement. (t) Consolidated Trust Funds. To hold, manage, and account for separate trusts hereunder either as separate funds or in one or more consolidated funds in which each trust has an undivided interest. The division into the various trusts' shares comprising each consolidated fund need be made only on the Trustee's books of account, in which each trust shall be allotted its proportionate share of the principal and income of the fund and charged with its proportionate share of the fund's expenses. However, no such consolidation of trust funds shall delay the transfer of ownership or the distribution of trust income or principal to any beneficiary. (u) Selection of Assets for Distribution. To distribute the property of any trust hereunder (including the satisfaction of cash gifts, if any) in cash or in selected items of (or undivided interests in) real or personal property, or partly in each and partly in property, and to allocate specific assets among the distributees (including any trust or trusts) in whatever proportions the Trustee may think best. The allocation, however, must not alter the total value of any beneficiary's share. Nothing in this Section shall be considered to modify any of the provisions set forth in any other Section or clause of this Agreement with respect to the allocation of property to utilize the marital deduction for Federal estate tax: purposes. Except as may otherwise be required by the marital deduction provisions hereof, the Trustee shall have no duty of impartiality with respect to the income tax: basis of property selected for distribution to any beneficiary or beneficiaries. (v) Determination of Beneficiaries. To determine who are the proper distributees of each trust hereunder. In doing so, the Trustee may act upon whatever information the Trustee considers reliable as to heirship, relationship, marriage, divorce, survivorship, identity, fiduciary capacity, and any other fact relating to the distributees. (w) Business Interests. In dealing with any proprietorship, partnership interest, stock of any solely owned or closely held corporation, or any other business or professional interest included in any trust hereunder (all of which are referred to as "the business" in the following Subsections), and without regard to any rule respecting conflict of interest, the Trustee is authorized to: (1) Retain all or any part of the business as long as the Trustee considers advisable, regardless of any principle of law concerning investment diversification; (2) Sell all or any part of the business whenever, for whatever price, on whatever terms and conditions, and to whatever organizations, entities, or individuals, including fiduciaries hereunder or under the will of the Settlor, that the Trustee considers advisable; (3) Do anything the Trustee considers advisable with respect to operating or liquidating the business or with respect to any change in the purpose, form, or organization of the business; (4) Participate directly in the management of the business or render professional services to it, and receive reasonable compensation from the business; (5) Delegate authority to any shareholder, director, manager, agent, partner, or employee, and approve payment of reasonable compensation from the business; (6) Consent for the business to be taxed in accordance with the provisions of Subchapter S of the Internal Revenue Code; (7) Borrow money from the lending department of any Institutional Trustee 15 that may serve hereunder; and (8) Make additional investments in or make advances to the business if that action appears to be in the best interests of any trust hereunder and the beneficiaries of the trust. Section 6.03. Subchapter S Coroorations. (a) Any stock in a corporation deemed to be an "S Corporation" as defined in Section 1361(a) of the Internal Revenue Code, (such stock referred to herein as"S Corporation Stock") which is now or hereafter transferred to any trust now or hereafter created or existing under or pursuant to the terms of this Agreement, shall be received, held, managed and distributed by the Trustee in such a way as to at all times maintain, protect and sustain the Subchapter S Election of the shareholders of such Corporation, unless the requisite number (as set forth in such Corporation's Articles, Bylaws, or other governing instrument(s)) of shareholders of such Corporation shall specifically indicate in writing to the contrary to the Trustee. Any provisions of this Agreement which appear to be contrary to this intention of the Settlor shall be construed so as to be consistent with the intention of the Settlor as expressed herein. In particular, the Trustee shall: (1) Assure that there shall be only one income beneficiary of such trust, with respect to any and all income generated by such S Corporation Stock. For purposes of this Subsection (1), it shall be permissible to maintain such S Corporation Stock in the Share of either the husband or the wife, as set forth in the Schedule of Trust Property, and said separate Shares shall be treated as a separate trust within the meaning of Section 663(c) of the Code and Section 1361(d)(3) of the Code; (2) Any corpus of such trust distributed during the life of the income beneficiary shall be distributed only to such beneficiary; (3) The income interest of the current income beneficiary in said trust or Share of the Trust shall terminate on the earlier of such beneficiary's death or the termination of said trust or Share; and (4) Upon the termination of said trust or Share during the life of the current income beneficiary, such trust or Share holding such S Corporation Stock shall be distributed in its entirety to such beneficiary. (b) In the event of the death of the Settlor who is the holder of the Share in which S Corporation Stock is maintained, prior to the termination of the Trust, the Trustee shall hold such S Corporation Stock in a separate trust or a separate share of this Trust, for the benefit of only one successor beneficiary, subject to the rules specified above in Subsections (1) through (4). (c) The Trustee is expressly authorized to exercise any and all powers granted hereunder in whatever manner the Trustee shall deem necessary or advisable in order to maintain the S Corporation status of the Corporation whose stock is held or is to be acquired by the Trust, any subtrust, or any Share. In particular, the Trustee may take such action as the Trustee may deem necessary or advisable to make or maintain such an election, and the Trustee may create, or make distributions to, one or more trusts or subtrusts whose terms satisfy the requirements of Section 1361(d) of the Code, in a manner not inconsistent with the beneficiary's entitlement to an amount of income sufficient to maintain such separate trust's or subtrust's status as a qualified S Corporation shareholder. (d) Notwithstanding anything to the contrary set forth in this Section or elsewhere in the Agreement, if at any time, S Corporation Stock is held in a trust or subtrust created under this instrument, and such trust or subtrust will (solely by reason of the terms of such trust) cease to be a permitted S Corporation shareholder at the expiration ofa period of time described in clause (ii) or clause (iii) of Section 136 I (c)(2)(A) of 16 the Code, or any successor or replacement provisions, then no later than the expiration of such period of time, such stock shall be distributed, ~ ~ to the lineal descendants of the beneficiaIy to whom the Trustee was authorized to distribute income from such trust or subtrust immediately before such date. (e) If, at the death of either Settlor, the Trust or any subtrust owns S Corporation Stock, and such stock is not specifically disposed of herein, then, if the Trustee determines in the Trustee's sole discretion that the stock cannot be disposed of in a reasonably practicable manner in accordance with the terms of this Agreement (other than pursuant to this provision) without causing the Corporation to lose its status as an S Corporation, the Trustee is authorized to distribute the stock to one or more of the then living issue of the Settlor(s), and in such estates, interests and proportions (including an appointment to the trustee and trust for any such person, any such trust to be an eligible shareholder of the S Corporation) as the Trustee, and the Trustee's sole discretion, determines. The Trustee shall be entitled to exercise or release this power within a period of five years after the death of the Settlor(s), and shall not be required to exercise it, and shall have not liability for releasing it or failing to exercise it. The Settlor(s) request (but do not direct) that the Trustee consult with the then living competent adult issue of the Settlor in connection with any such exercise of the powers set forth in this Subsection. Section 6.04. Distribution in Kind or Cash. On any partial, interim or final division and distribution of the property of the Trust Estate pursuant to this Agreement, the Trustee, in the Trustee's discretion, may divide and distribute such property in kind, may divide or distribute undivided interests in such property, or may sell all or any part of the property of the Trust Estate and make division or distribution in cash or partly in cash and partly in kind. The decision of the Trustee, either prior to or on any distribution of the Trust Estate, as to what constitutes a proper final division and distribution of the Trust Estate shall be binding on all beneficiaries. ARTICLE 7. OTHER POWERS AND DUTIES OF TRUSTEES Section 7.01. Reinstatement of a Trustee. Incaoacity. (a) Initial Trustee. In the event that the reason for the Cessation of Service of the Initial Trustee ends, such Initial Trustee shall be reinstated as an Initial Trustee on the following terms and conditions: (1) Where the basis for Cessation of Service was Incapacity, reinstatement shall require the written statement from the Initial Trustee's personal physician (or a specialist referred by such personal physician) that the Initial Trustee is no longer Incapacitated; (2) Where the basis for Cessation of Service was resignation, reinstatement shall require a written statement by the Initial Trustee that the resignation is withdrawn; and (3) Where the basis for Cessation of Service was removal, reinstatement shall require a court order reinstating the Initial Trustee. (b) Successor Trustee. A Successor Trustee who has Ceased to Serve may be reinstated upon the following terms and conditions: (1) Where the basis for Cessation of Service was Incapacity, reinstatement shall require a written statement by the Successor Trustee's personal physician (or by a specialist referred by such personal physician) that the Successor Trustee is no longer Incapacitated and that, to a degree of medical certainty, further Incapacitation is not likely for the foreseeable future, and the written statement of the Successor Trustee that such Successor Trustee is willing and able to serve as Successor Trustee; 17 (2) Where the basis for Cessation of Service was resignation. reinstatement shall require a written statement of withdrawal of resignation prepared and signed by the Successor Trustee, and the written consent executed by a minimum of two-thirds of the aggregate shares of the then ascertainable beneficiaries of the Trust, or by their parents or legal guardians in the event of minor or incapacitated beneficiaries, where said shares and votes shall be determined on the basis of 3! ~ representation; and (3) Where the basis for Cessation of Service was removal, reinstatement shall require a court order reinstating said Successor Trustee as Trustee hereunder. In the event that any Trustee is reinstated after a Cessation of Service, effective immediately with said reinstatement, the service of the subsequent Successor Trustee serving in the interim, prior to the effective date of reinstatement, shall be suspended, pending another Cessation of Service by the prior Trustee. Section 7.02. Appointinl! Successor Trustees. The Settlor recognizes that, notwithstanding hislher intention as expressed above that a Trustee shall serve at all times during the term of this Agreement, it is possible that the Trustee or Trustees named by the Settlor above may all fail or cease to serve as Trustee, leaving no named successor or replacement. Accordingly, so long as the stated instructions of the Settlor are not contravened: (a) The Settlor may at any time, by a statement in writing dated and signed by the Settlor, appoint additional Successor Trustees, and may appoint an Institutional Trustee in either case, either to serve jointly with the Initial Trustees, or as Successor Trustees to the Initial Trustees. (b) A Successor Trustee, and if more than one are serving, all Successor co-Trustees then serving, may appoint a Successor Trustee, to succeed themself or themselves, by indicating said Successor Trustee in a dated written statement, executed by all then serving Successor Trustees, and by the named successor to themselves, and approved in writing by a minimum of two-thirds (2/3) of the aggregate shares of the then ascertainable beneficiaries of the Trust, and if any of said beneficiaries are minors, by the parents or guardians of said minor beneficiaries, where said shares and vote shall be determined on the basis of per stirpes representation. (c) If, at any time during this Trust, the last remaining Successor Trustee shall fail or cease to serve, for any reason. leaving no Successor Trustee appointed in accordance with the provisions of this Trust, the beneficiaries may appoint a Successor Trustee upon the written agreement of at least two-thirds (2/3) of the aggregate shares of the then ascertainable beneficiaries of the Trust, and, if any of said beneficiaries are minors, by said minors' parents or guardians, with such two-thirds (2/3) majority of shares and vote to be determined in accordance with per stirpes representation. Section 7.03. Chamrlnl! an Institutional Trustee. If an Institutional Trustee serves hereunder and if there is also an individual co-Trustee serving under this Agreement: (a) The individual Trustee or co-Trustees are authorized to remove the Institutional Trustee at any time without stating any reason for that action. The individual Trustee may, but need not, at the same time appoint another Institutional Trustee in place of the one removed. The individual Trustee may do this as many times as the individual Trustee wishes. (b) If the original Institutional Trustee declines to serve, or if that Institutional Trustee or any successor resigns, the individual Trustee may, but need not appoint another Institutional Trustee. (c) All removals and appointments shall be effected by a written instrument signed by the individual Trustee. 18 (d) The original Institutional Trustee and each successor to it, by accepting its position as Trustee under this Agreement, shall be deemed to accept and agree to the removal provisions of this Section. Section 7.04. Decisions and Action of Trustees. (a) Successor co- Trustees shall only be entitled to act jointly, and not severally, with respect to all powers enumerated in this Agreement, unless this Agreement specifically states to the contrary. (b) Whenever three or more trustees are serving and eligible to vote, the vote of a majority of the trustees eligible to vote on the subject shall be necessary and sufficient for a decision or action on any matter affecting any trust. (c) A trustee who is ineligible to vote or who casts a minority vote or who dissents from any decision or action shall sign all instruments and perform all acts that may be needed in order to carry 01,lt the decision or complete the action. That trustee shall have no liability to any current or future beneficiary for any consequence of his, her or its compliance with this direction. (d) Whenever an Institutional Trustee is serving and the Institutional Trustee and only one individual trustee are eligible to vote on any subject, whether it involves the exercise of a management power or the exercise of a discretionary power to accumulate income or to distribute income or principal, if a disagreement arises between the Institutional Trustee and the individual trustee as to the exercise of that power, the decision of the individual trustee shall prevail. Whenever that occurs, the Institutional Trustee shall sign all instruments and perform all acts that may be needed in order to carry out the decision or complete the action. The Institutional Trustee shall have no liability to any current or future beneficiary for any consequence of its compliance with this direction. Section 7.05. Discretionary Decisions of Trustees. (a) In making any discretionary decisions which are either directed or permitted in this Agreement, regarding the accumulation of income or the distribution of income or principal to any beneficiary (except as may be specifically provided otherwise herein), the Trustee shall take into consideration the beneficiary's income from all sources. The Trustee may, but shall not be required to, consider the beneficiary's other assets and resources also. (b) Whenever the Trustee is empowered to make or to withhold distributions of income or principal of a trust hereunder as the Trustee believes or considers to be "necessary" or "advisable", the decision of the Trustee (or of the trustees eligible to participate in the decision), arrived at in good faith, shall be binding on all current and future parties in interest. Section 7.06. Earlv Endine: of Trusts. (a) If at the time when any trust hereunder is to be established, or if at any time during the existence of any trust, its principal assets have a fair market value less than $20,000, the Trustee may (but need not) eliminate or end the trust. If the Trustee does so, the assets which are held in the trust (or which would have been placed in the trust if itwere not eliminated) shall be distributed to the beneficiaries who would then be currently entitled thereto in accordance with the terms of this Agreement. (b) If, under any provision of the will of the Settlor, any property or share of the Trust Estate would be distributable to a beneficiary of a trust immediately upon distribution of that share to the Trustee, and if the Trustee gives written notice of that fact to the executor, the executor may make the distribution directly to the beneficiary rather than to the Trustee. This authorization shall apply without regard to whether the 19 distribution involved is mandatory or would result from the exercise of the Trustee's discretion. Section 7.07. Provision for Persons Under Aee 21 and Disabled Persons. (a) Except as otherwise expressly stated herein, the Trustee shall not be required to distribute any income or principal to any beneficiary who: (1) is less than 21 years ofage; (2) has been declared incompetent by a court; or (3) is Incapacitated, as determined hereunder, or is determined by the Trustee to be incapable of properly and wisely managing his or her own financial affairs. (b) If the Trustee elects to use its powers under this Section: (1) The Trustee may distribute the property to anyone of the following person(s), in the order of priority specified herein: (A) The beneficiary's natural or adoptive parents; (B) The beneficiary's natural or adoptive surviving parent, in the event that one parent shall have predeceased; (C) The beneficiary's natural or adoptive parent having primary legal custody of such beneficiary; (0) The legal guardian of the person of such beneficiary; (E) The person appointed by ~y court of competent jurisdiction to have custody of such beneficiary; and, (F) The person having actual care or control or custody of the beneficiary, if none of the foregoing apply. (2) In the case of a beneficiary who is less than 21 years of age, the Trustee may distribute the property to any person, institution, or trust company selected and appointed by the Trustee as a custodian for the beneficiary under the Uniform Transfers to Minors Act, if such appointment and distribution are permitted by law; or (3) The Trustee may retain the property in trust and distribute or apply all or any part of it at whatever times and in whatever manner the Trustee believes will benefit the under-age or disabled beneficiary. (c) The Trustee shall not be obliged to see to the application of any property distributed by the Trustee under Subsections (1) or (2) of the preceding Subsection, and the Trustee shall be effectively released by the receipts of the distributees. If the Trustee elects to hold property in trust for a beneficiary as provided in Subsection (b)(3), the net income, if any, which remains in the Trustee's hands at the end of each tax year of the trust shall be added to the principal held for the beneficiary. (d) When the reason for withholding the beneficiary's property ends, the Tru8fee shall 20 distribute to the beneficiaIy his or her unexpended income and principal. If the beneficiary dies while the Trustee is holding property for him or her, any unexpended income and principal held for that beneficiaIy shall be distributed to the executors or administrators of the beneficiary's estate. ( e) The Trustee shall not be required to use its powers under this Section, and the Trustee shall not be liable to any current or future beneficiaIy for any consequence of his failure to do so or for any consequence of his failure to exercise his judgment under the criteria mentioned above. (f) In no event shall any of the provisions of this Section apply to any income or principal distributable to the Settlor as beneficiaIy of any trust hereunder. Section 7.08. Disclaimers bv Tmstee. The Trustee is authorized to disclaim any interest in property, provided only that each disclaimer made by the Trustee is a "qualified disclaimer" within the meaning of Section 2518 of the Internal Revenue Code. If for any reason the Trustee cannot effectively disclaim an interest in property, the Trustee is authorized to make and implement a written transfer of the interest to the person or persons who would have received the interest had the Trustee made an effective disclaimer, provided only that the transfer constitutes a "qualified disclaimer" within the meaning of Section 2518 of the Code. So long as the Trustee exercises its discretion in good faith, or fails to exercise its discretion in good faith, the Trustee shall have no liability to any current or future beneficiary of any trust hereunder for any consequence of any qualified disclaimer made by the Trustee, any failure to make any qualified disclaimer, or any failure to consider the possibility of making a qualified disclaimer. Section 7.09. Conflict of Interest. Except as otherwise expressly provided herein, no individual trustee serving at any time hereunder shall be barred, because of any rule concerning conflict of interest, from exercising any discretionary power or from exercising any of the management powers given to the Trustee by law or by the provisions of this Agreement. The acts and omissions of each trustee shall be judged as if that trustee had no such conflict. Section 7.10. Accountin2 bv Tmstee. The Trustee may at any time seek judicial approval of its account of any trust hereunder in any court that has jurisdiction of the trust. As an alternative, the Trustee shall be released from liability with respect to any trust, without seeking judicial approval of its account, if there is at least one income beneficiary described in the following Subsection (a)(l) and at least one principal beneficiary described in the following Subsection (a)(2), (a)(3) or (a)(4), and if the Trustee presents its account as provided in the following Subsections (a) through (c) and its account is deemed to be approved as provided in Subsection (d). (a) If the Trustee desires to be released from liability without judicial approval ofits account, the Trustee shall present its account to the following persons: (1) Each person not under any legal disability who is entitled or eligible to receive trust income at any time during the period covered by the account. (2) Each person not under any legal disability who is entitled to receive principal of the trust as of the date to which the account is stated (the "account date"). (3) Each person not under any legal disability who had on the account date a power to withdraw principal of the trust or a power of appointment over the principal of the trust that could have been exercised by will (if that person had died on the account date) in favor of that person's estate, his or her creditors, or creditors of his or her estate. (4) Each person not under any legal disability who: 21 (A) Will at some time after the account date become entitled or eligible (other than through the exercise of another person's power of appointment) to receive or to appoint income or principal of: (i) The trust which is the subject of the account. or (ii) Any other trust hereunder, whether in existence on the account date or to be established at a later time, which is to receive income or principal of the trust which is the subject of the account. and (B) Can lose such entitlement or eligibility only as a result of: (i) His or her death prior to the inception of such entitlement or eligibility, (ii) The exercise of another person's power of appointment (other than a power of appointment of the type and scope described in Subsection (a)(3), or (iii) The termination of the trust pursuant to the exercise of the Trustee's discretionary powers. (b) For all purposes of this Section, the word "person" shall include: (I) The Fiduciaries of a decedent who had been entitled or eligible to receive income of the trust during his or her lifetime~ (2) The trustees of any trust which has been established by an instrument other than this Agreement and which is to receive, at some time after the account date, income or principal of the trust which is the subject of the account~ and (3) Any corporation or other organization or entity which may be entitled or eligible to receive distributions of income or principal of the trust which is the subject of the account. (c) In order for the Trustee's account to be deemed to be approved, as provided in Subsection (d), the trustee shall send a copy of the account. by registered or certified mail, return receipt requested, to each person to whom the account must be presented under Subsection (a), with notice to each recipient that he or she.has a right to object to the account in accordance with Subsection (d), that the recipient's failure to object to the account in accordance with Subsection (d) will be deemed to be an approval of the account. and that if all persons entitled to receive a copy of the account fail to object as specified in Subsection (d), the absence of objection will release the Trustee with respect to all acts and transactions reflected in the account. (d) Each person entitled under Subsection (a) to receive a copy of the account shall have the right to object to it. In order to be effective, an objection must be in writing and sent to the Trustee by registered or certified mail, return receipt requested. If no objection to the account is received by the Trustee within sixty days following the date on which copies of the account were mailed in accordance with Subsection (c), all persons to whom copies of the account were mailed shall be deemed to have approved the account. and the Trustee shall be released from all liability with respect to all acts and transactions reflected in the account. Such release shall bind all past, current. and future beneficiaries of the trust. including any who are under a legal disability at the time of the presentation of the account and any who are then unbom Section 7.11. Dele2ations and Disclaimers of Ri2hts and Powers. 22 (a) Any trustee may, by an instroment in writing delivered to another trustee, delegate any rights or powers to such other trustee and, after such delegation, shall have no further responsibility with respect to the exercise of such rights or powers so long as the delegation remains in effect. Any such delegation may be revoked by a similar instrument so delivered at any time. (b) Any trustee may, by an instrument in writing, disclaim any rights or powers granted to him or her, and, after such disclaimer, shall have no further responsibility with respect to the exercise of such rights or powers. No such disclaimer, however, shall be binding upon any successor to such trustee unless the successor makes a similar disclaimer. ARTICLE 8. TAX PROVISIONS Section 8.01. Tax Payments. Elections. and Returns. (a) The Trustee shall not payout of the Trust Estate any of the following taxes: (I) Taxes with respect to any property that is held by another person or persons, and is includible in the Settlor's gross estate for federal estate tax purposes; (2) Additional estate taxes payable under Subsection (c) of Section 2032A of the Internal Revenue Code; or (3) Generation-skipping transfer taxes. Except for the taxes mentioned in the preceding Subsections (I) through (3), the Trustee shall payout of the Trust Estate, prior to the establishment of any Family Trust or any distribution to beneficiaries, all inheritance, estate, transfer, and succession taxes, federal, state and foreign, and any interest or penalties that may be added to those taxes, with respect to all property and interests taxable by reason of the death of the Settlor, whether or not the property or interests pass under this Agreement, unless such taxes are otherwise provided for by will or other provision. (b) The taxes payable out of the Trust Estate by reason of the death of the Settlor shall be paid without being apportioned between temporary estates (such as estates for life or for terms of years) and remainders (the interests which follow temporary estates). The Trustee shall have no right of reimbursement from any other party for the taxes paid in accordance with the preceding Subsection. (c) The Trustee, together with the any other Fiduciary of the Settlor, may enter into any compromise, settlement, or adjustment of any tax liability of the estate of the Settlor on such terms as they may consider advisable. In addition, the elections of the Trustee regarding the following shall be binding on all parties in interest: . (1) The date or dates to be used for the valuation of property comprising the gross estate for federal estate tax purposes; (2) Whether allowable deductions shall be claimed as deductions for income tax purposes or for estate tax purposes (with no adjustment of income or principal accounts of the estate or any trust); and (3) The deferral, under Section 6166 of the Internal Revenue Code (or under a 23 corresponding statute of any state imposing a death tax on an estate), of payment of federal estate tax or state death tax for such period as the Trustee shall determine, and the election, under Section 6324A of the Code (or a corresponding provision of state law) to create a special lien for the deferred estate or death tax (including tax attributable to property not passing under this Agreement) and to subject property of the estate to such lien. (d) The Trustee is authorized to make these elections, any other tax-related decisions and elections available to the Trustee under this Agreement or under the laws of any jurisdiction, according to whatever principles or considerations the Trustee may consider relevant, regardless of which beneficiary or beneficiaries may benefit or be disadvantaged, and regardless of whether the result of any election is to increase or decrease the amount of any particular tax or the aggregate tax liabilities of the estate of the Settlor or of any beneficiaries. ( e) The Trustee, acting for the Settlor as a deceased taxpayer, is also authorized to join with the Settlor's spouse, if any (or with such spouse's executors or administrators), or any other applicable person or Fiduciary in signing joint income tax returns for the year of the death of the Settlor and in signing gift tax returns relating to any gifts made before the death of the Settlor. In doing so, the Trustee need not require the spouse, Fiduciary or other applicable person to indemnify the estate of the Settlor or the trustee or any trust hereunder against liability for any tax attributable to the spouse or other person. ARTICLE 9. GENERAL PROVISIONS Section 9.01. Governinl! Law. This Agreement shall be governed by, and construed in accordance with the laws of, the state in which the Trustee then serving under this Agreement resides or has its principal offices. In the case of co- Trustees, the laws of the state in which the individual co-Trustee is residing shall control. In the case of individual co-Trustees, the laws of the state of residence of the individual co~ Trustee which is closest geographically to the state of residence of the Settlor, or the state of residence of the Settlor at the time of the Settlor's death, shall control, unless the individual co-Trustees shall agree otherwise. In the event that the governing jurisdiction shall change, pursuant to the appointment of a successor Trustee residing in a different state, or a change in the residence of a Trustee from one state to another, this Agreement shall be deemed to have been governed by the laws of the first, or prior, state up to the date of such move or the date of appointment of the successor Trustee, and by the laws of the second, or subsequent, state from and including the date of such move or appointment of successor Trustee. Section 9.02. Situs of Trust. The situs of this Trust shall be deemed for all purposes of this Agreement to be as follows: (a) For so long as the Initial Trustee shall serve as Trustee hereunder, the situs of this Trust shall be the residence address of said Initial Trustee, and if said Initial Trustee shall move from one jurisdiction to another, the situs of this Trust shall be deemed to have moved from such prior situs to such new situs, concurrently with the move in residence of said Initial Trustee; and (b) During any period oftime that any other person or entity shall serve as Successor Trustee, under the terms hereof. the situs of this Trust shall be determined as follows: (A) where a single Individual Successor Trustee is serving hereunder, the situs of this Trust shall be the residence address of the individual Successor Trustee~ (B) where two or more individual co-Trustees are serving as Successor Trustees hereunder, the situs of this Trust shall be deemed to be the state of residence of the Individual Co- Trustee which is closest geographically to the final state of residence of the Settlor prior to the date of death of the Settlor; and (C) where an Individual Trustee and Institutional Trustee are serving as co- Trustees, the address of the residence of the Individual co-Trustee shall control, unless the co-Trustees agree to the contrary. 24 Section 9.03. Forum Selection. No litigation or other legal proceeding may be brought to enforce any provisions of this Agreement by the Settlor, any trustee, any beneficiary, or any other person or party agreeing to be bound by this Section or the contents hereof pursuant to any other written agreement, whether specifically referencing this Section or not, except in a court of competent jurisdiction located in the county (in the case of any state court) or the district (in the case of any federal court) where this Trust is then deemed located, pursuant to the "Situs of Trust" provision above. Section 9.04. Comolete Aereement: Amendments. This Agreement constitutes the entire agreement between the Settlor and the Trustee with respect to the Revocable Living Trust created hereunder, and this Agreement supersedes all prior written or oral agreements of any form or nature whatsoever. This Agreement may not be amended, revoked or otherwise modified except by a written document executed by the Settlor, and in conformity with the provisions of this Agreement regarding Revocation of Trust. Section 9.05. Severability. If any part, clause, provision, or condition of this Agreement is held to be void, invalid, or inoperative, such voidness, invalidity, or inoperativeness shall not affect any other clause, provision, or condition hereof; but the remainder of this Agreement shall be effective as though such clause, provision, or condition had not been contained herein. Section 9.06. Cooies. To the same extent as if it were the original, anyone may rely on a copy of this Agreement certified by a notary public to be a true copy of this Agreement. Anyone may rely on any statement of fact certified by anyone who appears from the original Agreement or a certified copy thereof to be a Trustee hereunder. Section 9.07. Protective Provision. While any income or principal that is distributable to any beneficiary of any trust hereunder is held by the Trustee, no interest in or rights to that income or principal may be sold or pledged or disposed of in any other way by, on account of, or for the benefit of the beneficiary except in the manner, if any, and to the extent, if any, specifically provided for herein. Until distributed to the beneficiary, neither the income, nor the principal shall be: (a) Applied in payment of any debt or liability of the beneficiary; (b) Subject to attachment, garnishment, levy, process, seizure, lien, encumbrance, or any other form of interference or control of any form, type or description, in any manner whatsoever, of any creditor of the beneficiary; or (c) Subject to transfer, assignment, pledge, hypothecation or anticipation, or any other attachment or seizure by any legal or equitable procedure, whether voluntary or involuntary, whether by the beneficiary acting alone or in concert with others, or by any other person. Any transfer or attempted transfer in violation of this Section shall be void and of no effect. Section 9.08. Disclaimers bv Beneficiaries. Notwithstanding the provisions of the preceding Protective Provision, any beneficiary may, at any time and from time to time, disclaim any interest in, or power of appointment over, any trust hereunder, or may disclaim any portion of such interest or power, in accordance with the following provisions: (a) Each disclaimer shall be effected by a written instrument signed by the beneficiary of the interest or the donee of the power. If the disclaimer relates to an interest in any property constituting the estate of the Settlor other than an interest in, or power of appointment over, any trust hereunder, the written instrument shall be delivered to the appropriate Fiduciary of the deceased Settlor. If the disclaimer relates to an interest in, or power of appointment over, any trust hereunder, the written instrument shall be delivered to the 25 Trustee and, if the disclaimer is a "qualified disclaimer'. within the meaning of Section 2518 of the Internal Revenue Code, a copy of the instrument shall be delivered to the executor of the deceased Settlor. A disclaimer by the personal representative of a deceased beneficiary, by the properly authorized attorney-in-fact of a beneficiary, or by the guardian of a minor or incompetent beneficiary shall have the same effect as a disclaimer by the beneficiary for all purposes hereunder. (b) If the disclaimer is a '.qualified disclaimer" within the meaning of Section 2518 of the Internal Revenue Code, the disclaimed interest or power shall be disposed of, and the provisions of this Agreement which relate to the disclaimed interest or power shall be interpreted and administered, as though the beneficiary did not survive the Settlor. (c) If the disclaimer is not a "qualified disclaimer", the disclaimed interest or power shall be disposed of, and the provisions of this Agreement which relate to the disclaimed interest or power shall be interpreted and administered, as though the beneficiary had died at the time the disclaimer was delivered to the executor or the Trustee, as the case may be. (d) If a beneficiary of a trust hereunder disclaims a portion of an interest or power, the Trustee may divide the trust into separate trusts, one trust to hold property with respect to which the interest or the power has been disclaimed and the other trust to hold property with respect to which the interest or power has not been disclaimed, if the Trustee determines, in its sole discretion, that such a division is advisable or appropriate. Section 9.09. Contest of Trust. If any beneficiary or any person alleging or claiming to be a beneficiary of any trust hereunder should initiate or join in any action to contest the validity of this Agreement, that beneficiary or alleged beneficiary shall forfeit all interests and powers given to that beneficiary or alleged beneficiary under this Agreement; the trusts under this Agreement shall be administered, and the income and principal of the trusts hereunder shall be disposed of, as though that beneficiary or alleged beneficiary had failed to survive the Settlor and had left. no issue who survived the Settlor. Section 9.10. Perpetuities Savin2S Clause. Unless sooner terminated as otherwise provided in the Agreement, each trust created herein shall fully cease and terminate twenty-one (21) years after the death of the Settlor and all issue of the Settlor living as of the date that the trust was established. On such termination, the entire principal of the trust, together with any undistributed income therefrom, shall vest in and be distributed to the persons entitled to take under the provisions of the trust. Section 9.11. Incorporation bv Reference. The Settlor intends to incorporate this Part IT of the Trust Agreement into Part I of the Trust Agreement, and both Part I and Part IT shall be interpreted and construed together as a single, integrated, Trust Agreement. ARTICLE 10. DEFINmONS Section 10.01. Definitions. The following terms shall have the meanings assigned to such terms below: "Agreement" shall mean this Revocable Living Trust Agreement (consisting of Parts I and IT), as the same may be modified, amended, or amended and restated from time to time in accordance with this Agreement. "Cessation of Service" or "Cease to Serve" shall mean the termination of service as trustee by any Trustee by reason of death, Incapacity, resignation, removal or other event causing the termination of service of such Trustee as trustee hereunder. 26 "Child" or "Children" of a parent shall mean the natural child or children of such parent and shall include a child or children adopted by such parent during such child's minority, or after having been a member of the household of the adopting parent or parents while a minor, and such adopted child or children shall also be deemed to be a descendent of the ancestors of the adopting parent or parents. When used with respect to married Settlor, the term "Child" or "Children" shall mean the natural or adopted child or children of said Settlor. "Code" or "Internal Revenue Code" shall mean the federal codification offederal estate, gift, and income tax laws in force at the time such law or laws are to be applied. All references to specific sections of the Internal Revenue Code shall be deemed to refer to those sections as amended prior to the time of their application, or to any successor provisions or provisions of like effect in force at the time of application. "Family Tnrst" shall mean the trust created for the benefit of the family or relatives of the Settlor, coming into existence after the death of the Settlor, further defined and described in Section 5.04 hereof. "Fiduciary" shall mean an individual having a legally defined relationship of trust to another individual or to such individual's estate, and shall include an executor, administrator, guardian, attorney-in-fact, or trustee. "Incapacity"; "Incapacitated"; "Incompetency"; and "Incompetent" or variations of said words, shall refer to a person who, because of infirmities of old age, mental illness, mental deficiency or retardation, drug addiction or inebriety, disease or accident: (a) in the case of a beneficiary, is unable (as determined by the Trustee in the Trustee's sole and absolute discretion), to properly manage his or her property, or is liable to dissipate it or become the victim of designing persons; (b) in the case of a Trustee, is unable to act as a Trustee (as determined by the personal physician of said Trustee, in a written statement stating that said Trustee is suffering from one of the infirmities mentioned above, and as a result thereof, said Trustee lacks sufficient capacity to manage or administer the Trust estate or to fulfill his or her other duties as a Trustee hereunder), such written certification to be presented to the initial co-Trustee and/or the initial Successor Trustee(s); (c) in the case of any other person, is unable to manage his property, or is liable to dissipate it or become the victim of designing persons. or lack sufficient capacity to make or communicate responsible decisions concerning his person. "Initial Tnrstee" shall mean the Trustee or Trustees named as Trustees in the preamble paragraph of this Agreement, and executing this Agreement on the execution page as Trustees. Unless otherwise specified, the Initial Trustee shall be or include the same individual as the Settlor. "Institutional Tnrstee" shall mean a bank, trust company, or other institution serving as Trustee hereunder, provided that such institution is authorized by law and its charter to serve as a trustee and has the requisite fiduciary powers under applicable law in the jurisdiction where this Trust is deemed to be located from time to time. designated. "Issue" shall mean descendants, in the first, second, or any other degree, of the ancestor "Per Stirpes" shall mean a method of distribution or allocation pursuant to which the property is to be divided into as many equal shares as there are then living members of the nearest degree of living descendants and deceased members of the same degree who have left descendants then living; each living member of that degree shall be entitled to a distribution or allocation of one share, and the share attributable to each deceased member of that degree shall be divided among his or her descendants in like manner. "Personal Property" shall mean the personal property transferred to the Trustee pursuant to this Trust Agreement and shall consist of all personal property now owned or hereafter acquired by the Settlor, including but not limited to: all personal property which is now owned or may hereafter be acquired by the Settlor, 27 wherever located, and all other personal property and any interest or interests (including any joint or fractional interest) in personal property of any description whatsoever. "Property" shall include real and personal property and any interest of any kind in any real or personal property. Unless the context indicates otherwise, property shall include property wherever located and whenever obtained. "Schedule of Trost Property" shall mean the Schedule or other separate instrument executed by the Settlor, describing property (whether real or personal) transferred to the Trust, and referencing this Agreement, whether such Schedule is attached to this Agreement or is maintained separately from this Agreement. "Successor Trustee" shall mean any Trustee appointed and agreeing to serve under the terms of this Agreement upon the death, incapacity, resignation, withdrawal, or other cessation of service of the Initial Trustee (or either Initial Co-Trustee) or any other Successor Trustee. "Successor Disability Trostee" shall mean a Successor Trustee appointed hereunder by reason of the Incapacity of the Settlor, pursuant to the terms of Section 3.02 hereof. "Survive" shall mean, with respect to any individual, to live longer than another referenced individual. Certain provisions of this Agreement may require one individual to survive another individual for a specified period of time (which will be indicated in the context) in order to satisfy certain indicated conditions. "Tangible Personal Property" shall mean Personal Property which is corporeal and which may be felt, touched or handled, including such items as furniture, fixtures, equipment, appliances, tools, clothing, jewelry, china, silverware, flatware, dishes, collections of all sorts (including coin collections and stamp collections), books, art work, wall hangings, floor coverings and similar household items, but shall not include any form of intangible personal property, including but not limited to stocks, bonds, interests in partnerships, accounts at banks, financial institutions, brokerage firms, mutual funds, certificates of deposit or similar instruments or otherwise, government securities, notes, bonds, mortgages, money (other than coins, coin collections, or bullion), investments, rights, privileges or entitlement under contracts, rights, privileges or entitlements as a beneficiary under trusts, contracts or other instruments, including rights under a custodial arrangement (including, but without limiting the generality of the foregoing, all rights, title or interest in or to any individual retirement accounts, 401 (K) or similar statutory accounts, pension or profit sharing accounts, annuities, keogh plans, and similar arrangements), and rights under any insurance policies. In the context of any division or distribution of Tangible Personal Property set forth in this Agreement, Tangible Personal Property shall be limited to Tangible Personal Property utilized or held for household, family, personal or consumer purposes, and shall not, unless the context specifically indicates to the contrary, Tangible Personal Property held in a business or separate entity owned or maintained by any Settlor. "Trost Estate" shall have the meaning given in Section 2.01 hereof. "Trostee" shall mean the Trustee or Co-Trustees serving from time to time under this Agreement When not capitalized, the term "trustee" shall mean one of two or more co-trustees, or shall be a reference to the office of trustee in the generic. 28 IN WITNESS WHEREOF, this Agreement (both Part I and Part II) has been signed by the Settlor and by the Trustee, on the date set forth just above the signature lines on Part I. WITNESS: SETTLOR: 2/~ If. LLOYD TRUSTEE: f Jj)Y1tltd ~ ~(~ . LLOYD 29 INDIVIDUAL ACKNOWLEDGEMENT COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF BUCKS On this, the .3J day of ~~~ "d..OO \ . before me, personally appeared H. LLOYD KRAMER, who, being duly sworn, did acknowledge that he/she did sign the foregoing instrument, as Settlor and as Trustee, and that the same is his free act and deed. IN WITNESS WHEREOF, I have hereunto subscribed my name. 9dd- ~ Notarial Seal Pamela J. Hafner, Notary Public Doylestown Twp., Bucks County M Commission Ex ires Sa t. 3, 2002 Member, Pennsylvania Association of NotarIes 30 EXHIBIT "3" TRUE AND CORRECT COPY OF THE FOURTH AMENDMENT TO THE KRAMER REVOCABLE LIVING TRUST AGREEMENT t / ,. FOURTHAMENDMffiNTTOTHE KRAMffiRREVOCABLE LnnNG TRUST AGREEMENT THIS FOURTH AMENDMENT is dated the date indicated at the end of this document below, just above the execution lines, and amends the terms of the Trust Agreement dated December 3,2001, entered into by H. LLOYD KRAMER, as Settlor, and H. LLOYD KRAMER, as Trustee, as previously amended by: (1) a First Amendment to the Kramer Revocable Living Trust Agreement dated February 28, 2002 (the "First Amendment"); (2) a Second Amendment to the Kramer Revocable Living Trust Agreement dated July 17, 2003 (the "Second Amendmenf'); and (3) a Third Amendment to the Kramer Revocable Living Trust Agreement dated July 17, 2003 (the "Third Amendment"). (As so previously amended by the First, Second and Third Amendments, the Agreement is referred to herein as the "Agreement"). NOW THEREFORE, intending to be legally bound, the Settlor and the Trustee hereby agrees to amend the Agreement as follows: 1. Section 5.03.(c) of the Agreement, is hereby amended and restated in its entirety to read as follows: -~, (c) Residue. Upon the death of the Settlor, after distribution of Tangible Personal Property and specific gifts as indicated above in subsections (a) and (b), the Trustee shall distribute all the principal and any undistributed income which then remains in the Trust, after the payment of, or provision for, all costs, fees and expenses of estate administration, final debts, liabilities and obligations, and all estate, inheritance, death, transfer and related taxes, including final income taxes imposed by any taxing authorities, federal, state or local (such net residue referred to herein as the "Net Residue"), as follows: (1) Thirty-two percent (32%) of the Net Residue to the Settlor's daughter, DORIS BOSSERT, currently residing at 41 Round Ridge Road, Mechanicsburg, Pennsylvania, 17055; (2) Thirty-two percent (32%) of the Net Residue to the Settlor's daughter, MARLENE FIDLER, currently residing at 19 Charisma Drive, Camp Hill,. Pennsylvania, 17011; (3) Six percent (6%) of the Net Residue to be divided in equal shares among all Settlor's then living great-grandchildren. (4) Two percent (2%) of the Net Residue to the Settlor's niece, SALLY SCHEER, currently residing at 105 Georgianna Drive, Richboro, Pennsylvania, 18954; (5) Two percent (2%) of the Net Residue to the Settlor's niece, CAROL NORRIS, currently residing at 6528 Hasbrook Avenue, Philadelphia, Pennsylvania, 19111; (6) Four percent (4%) of the Net Residue to the Settlor's granddaughter, JENNIFER CROWE, currently residing at 10917 Little Sparrow Place, Columbia, Maryland, 21044; (7) Four percent (4%) of the Net Residue to the Settlor's grandson, CHRISTOPHER FIDLER, currently residing 3410 Clubhouse Court, Apt. F, Richmond, Virginia, 23294; (8) Four percent (4%) of the Net Residue to the Settlor's granddaughter, TARA BOSSERT, currently residing 41 Round Ridge Road, Mechanicsburg, Pennsylvania, 17055; (9) Four percent (4%) of the Net Residue to the Settlor's granddaughter, GRETCHEN BOSSERT, currently residing 5436 Tanney, Alexandria, Virginia, 22304; (10) ,Five percent (5%) of the Net Residue to the LUTHERAN COMMUNITY AT TELFORD, with a current address of235 North Washington Street, Telford, Pennsylvania, 18969; and (11) Four percent (4%) of the Net Residue to ST. PETER'S LUTHERAN CHURCH, with a current address 1530 Augsburg Drive, Hilltown Pike, Line Lexington, Pennsylvania, 18932; and (12) One percent (1 %) of the Net Residue to PENNRIDGE SENIOR CENTER, with a current address of 815 Chestnut Street, Perkasie, Pennsylvania, 18944. 2. Except as specifically amended and modified pursuant to the First, Second and Third Amendments and this Fourth Amendment, the Agreement shall remain in full force and effect in accordance with its original terms as previously amended. Neither the Agreement nor this Fourth Amendment may be further modified or amended except pursuant to a written instrument executed 2 by the parties hereto. All capitalized terms used herein and not otherwise defined herein shall have the respective meanings given to such terms in the Agreement. This Fourth Amendment shall be governed by, and construed in accordance with, the laws of the State which govern the Agreement at any time or from time to time. IN WITNESS WHEREOF, this Amendment has been executed by the Settlor and by the Trustee on this 23rd day of May, 2006. WI7lod ~, SETTLOR: J/;(kr j )(~ H. LLOYD KRAMER J r ~t4d ~ TRUSTEE: ,,=h;;})~ .LL YD R 3 INDIVIDUAL ACKNOWLEDGEMENT COMMONWEALTH OF PENNSYLVANIA ss. COUNTY OF BUCKS On this 23rd day of May, 2006, before me personally appeared H. LLOYD KRAMER, known to me to be the person whose name is subscribed to the foregoing Amendment to the Kramer Revocable Living Trust Agreement and acknowledged that he executed the same as Settlor and as Trustee for the purposes therein contained. IN TESTIMONY WHEREOF, I have hereunto subscribed my name. ONWEALTI! OF PENNSYLVANIA Notarial Seal Julie A Bardo, Notary Public DoyIcslown Twp., BucIcs County My Commission Expires Jan. 26, ~8 Member. Pennsylvania Assoc:IatIon of Notaries 4 EXHIBIT "B.l " DATE OF DEATH BALANCE OF AT&T STOCK Mean of Aug 18 & Aug 21, Number of Stock Date Hiah Low Mean 2006 Shares Value LU 8/18/2006 2.31 2.23 2.27 8/21/2006 2.31 2.24 2.28 2.27 564 ,. -:J~ VZ 8/18/2006 34.51 34.16 34.34 8/21/2006 34.62 34.08 34.35 34.34 1100 I~" 1 1 tf.QlJ AV 8/18/2006 10.26 10.35 10.31 8/21/2006 10.80 10.27 10.54 10.42 47.00 $489.74 .- -. 37.42 36.9 37.16 AXA 8/18/2006 --"- 8/21/2006 37.22 36.95 37.09 37.12 141.8 S~ ~3 . ~'). , .,l6 CMCSA 8/18/2006 34.51 34.13 34.32 8/21/2006 34.83 34.33 34.58 34.45 210 $7,234.50 AT&T 8/18/2006 30.88 30.28 30.58 .- 8/21/2006 30.69 30.52 30.61 30.59 2377 ,21 ':24i . T ota' in Stocks :::$.jH1f~QZ - - -- - - - - - - - - - ~ at&t ~mputershare Computershare Shareholder Services, Inc. P.O. Box 43078 Providence RI 02940-3078 Within the US, Canada & Puerto Rico 800351 7221 Outside the US, Canada & Puerto Rico 781 5754729 www.computershare.con'Vatt + 076909 ATT C H LLOYD KRAMER 325 CHURCH ROAD APT 321 TELFORD PA 18969 1'1111111111.1'1.11'11.1"11.11111.11..11.11111111111111111.11 For a change of address please call1he above number or visit us at www.computershare.comlall Holder Account Number C 0007804997 INO 111111111111111111111111 Record Date Chick Number SSNITIN Certified 10 Ju12006 0001666352 Yes AT&T Inc.. Dividend Payment 001 CSOO78.DOMBQS.A TT.1630 19 _1410769091076909/i6 ~.~ frve. ~llb!{)b Dividend Confirmation Payment Date I . 'jC~ ':),1':_;" 01 Aug 2006 . I Participating I Class Description Shares COMMON 2,Jn N/A Dividend I Gross I Deduction I Rate Dividend ($) Amount ($) Deduction I Type Net Divlden<!.(S). . ;90.35 ') $0.3325 790.35 0.00 1UDC ATT PLEASE CASIWEPOSITTHIS OiECK PROMPTl.Y. ;)'11& A 311 ) + EXHIBIT "Bolli DATE OF DEATH BALANCE OFAXA STOCK Mean of Aug 18 & Aug 21, Number of Stock Date High Low Mean 2006 Shares Value LU 811 8/2006 2.31 2.23 2.27 8/21/2006 2.31 2.24 2.28 2.27 564 " "'J<JO. 1~ VZ 8/18/2006 34.51 34.16 34.34 8/21/2006 34.62 34.08 34.35 34.34 1100 131 11lf.Qt] AV 8/18/2006 10.26 10.35 10.31 8/21/2006 10.80 10.27 10.54 10.42 47.00 $489.74 - -" 8/18/2006 37.42 36.9 37.16 AXA _n.=-- 8/21/2006 37.22 36.95 37.09 37.12 141.8 .S'2 (,,3 . 1~ . ..C6 CMCSA 8/18/2006 34.51 34.13 34.32 8/21/2006 34.83 34.33 34.58 34.45 210 $7,234.50 AT&T 8/18/2006 30.88 30.28 30.58 8/21/2006 30.69 30.52 30.61 30.59 2377 i 2 1 ,~~ , T ota' in Stocks ::::$.1\~t~~p.1 ~::::.::.. _.L _. II Transfer Agent: Computershare Trust Company, N.A. P.O. Box 43076 Providence; RI 02940-3076 IMPORTANT TAX DOCUMENT ENCLOSED Telephone: 1-800-437-8736 8981 200610' /19 37132 11,1111,11.1.1,1.11,11.1,11111111,111111,111111.111.1111111.11 H LLOYD KRAMER I ~ ~ 325 CHURCH ROAD APT 321 ~ TELFORD PA 18969-1784 ~ 't fe, ~ Lf.? I ,^_.L:,. 0.. :n ' ;;. ;::...- IT IV" ~"4~ -;-;:',-:z, h ~\ By Facsimile: 1-781-575-3583 E-Mail: axa-financlal@equiserve.com Internet: axa.equiserve.com Issue# Account# Stock Symbol 8981 10445-17400 AXA SA VE THIS STA TEMENT FOR TAX PURPOSES PI A tAr .t an ccoun c Ivny Dale Description Fees and/or Net Dollar Amount($) Price per Transaction Shares Total Shares Held Commisslons($) Share($) 01/01/2005 Balance Forward 137.118 137.118 03/17/2005 Common Dividend Purchase 0.50 27.70 26.829 1.032 138.150 05/19/2005 Common Dividend Purchase 0.50 91.26 25.001 3.650 141.800 Year-to-Date Investment.Summary.'- Nel Dividends Reinvested(S) Tax Withheld!S) Optionallnveslmenls(S) Other Investments($) Fees and/or Commissions Tax Reportable Company-Paid Paid by You($) Fees and/or Commlssions(S) 1.00 0.14 TOlallllYestmentS($) 118.96 16.76 118.96 Total Holdings and Market Value Security Cenificel~ Shares ADS Plan Shares 141.800 (As of the close of business on 12/30/2005) Total Shares Price per Share($) Market Value($) 141.800 32.330 4,584.39 Access and manage your account online. To login or request your initial password, go to www.computershare.com/equiserve and click on "Account Access." Messages If you would like to sell your AXA shares you may return the attached transaction form in the enclosed envelope or contact AXA Shareholder Services toll free at 1-800-437-8736. If you would like to purchase additional shares please return the attached . transaction form with your check in the enclosed envelope. . AXA paid a regular annual dividend on May 19. 2005 to holders of record on April 27, 2005. The dividend was used to purchase additional shares, which were credited to your account. Enclosed with this statement is your 1 099-DIV tax form, please retain this for your tax records. IB Issue#: 8981 Account#: 10445-17400 325 H LLOYD KRAMER Transaction Form Partial Withdrawal Continue Plan panlcipatlon I I Issue a ceniticate lor this number 01 shares Deposit of Certificates Deposilthe enclosed I number of shares .... L Sell this number of shares Slgnature(s} for Issuance or sale and/or change of address. All joint owners must sign. Names musl be signed exactly as shown on this stalement. (PartnerlOflicerfTrustee must sign as PartnerfOlficerfTruslee.) By signing below, you agree Ihalthe sale 01 shares Is authorized by you and all Olher reglslered own. ollhe shares and will be binding on you and such other owners. Optional Investment Make check payable 10.. I Investment Plan Services Amounl enclOsed in U.S.Oollars: Your Optional Investment can be a minimum ot $25.00 per Investment and a maximum of $100,000.00 per year Full Withdrawal Terminate Plan participation O Issue a certificate lor all lull shares and a check for fractional shares o Sell all Plan shares 08981 10445 17400 84 Address change or share transfer D Mark box and complete the appropriale portion on lhe reverse side EXHIBIT "B.3" DATE OF DEATH BALANCE OF COMCAST STOCK Mean of Aug 18 & Aug 21, Number of Stock Date High Low Mean 2006 Shares Value LU 8/18/2006 2.31 2.23 2.27 8/21/2006 2.31 2.24 2.28 2.27 564 I, ~~Ol ~ VZ 8/18/2006 34.51 34.16 34.34 8/21/2006 34.62 34.08 34.35 34.34 1100 :J'1.11 tf.lU AV 8/18/2006 10.26 10.35 10.31 8/21/2006 10.80 10.27 10.54 10.42 47.00 $489.74 - -.. 8/18/2006 37.42 36.9 37.16 AXA 8/21/2006 37.22 36.95 37.09 37.12 141.8 SI1H~3(ij CMCSA 8/18/2006 34.51 34.13 34.32 8/21/2006 34.83 34.33 34.58 34.45 210 $7,234.50 AT&T 8/18/2006 30.88 30.28 30.58 .- 8/21/2006 30.69 30.52 30.61 30.59 2377 121 '2li , T ota' in Stocks ::::$.j~l~~p.1 1-~/"~,@omcast Transaction Advice COMCAST CORPORATION PO BOX 43OQ1 PROVIDENCE RI 02Q.4Q-3OIl1 Pleaae retain for your records November 22, 2002 Shareholder'. Account Number 444755988 Account Acceaa PIN/paaaword 92173684 .c= 2110 DM.'''I.IOZ.JCI.DI Hlml ItIUlI I lMI:lu..." nltMU..I4I2tO.OOOI.I 1l>>41 al.uza....'MOIW STMDASCU XMIT OM Telephone Password 92173684 H LLOYD KRAMER ,;.~_ h-t,.....~J.J~ 301 E CHURCH RD APT 8 ~ -0- v l,.V IU'J ....---q- TELFORD, PA 18969-1724 , /'~ UI I...) ('"2\o\o(J() COMCAST CORPORATION Date Issue 10 Class CUSIP Shares Transaction Description 11/18/2002 454510 CLASS A 20030N101 'I 210.000~., 'STK COMBINATION 35',1"2- ? ~"I~' ";l,Q Book Entry Share Balance 210.0000 This transaction advice reflects shares of new Comcast Corporation stock of the class identified above being held for you in direct registration book-entry form. Please note that a separate transaction advice will be sent to you in respect of each class and issuer of shares you owned that were converted in the Com east/AT&T Broadband combination to new Comeast Corporation common stock. In addition, a check representing the value of any cash in lieu of fractional shares you are entitled to receive will be mailed under separate cover. SELL YOUR SHARES QUICKLY AND CONVENIENTLY through the EquiServe Trust Company N.A.'s Sales Order Processing Facility. See reverse side for important information regarding the use of this Facility. To sell by Telephone: Call our Express Sale line toll-free at 1-866-298-8538. Please note that this numbe is for E>::press Sales only. For-Other inquiries, please see reverse side. · Enter your Social Security Number and your Telephone Account Access Password printed in the upper right hand corner of this transaction advice. · Press 1 to sell some or all of your book-entry shares, then listen to and follow the additional instructions. Please remain on the line until your transaction is processed. To sell by Internet: Go to www.cmcsk.com and click on Shareholder Services. · Select Class A or Class A Special as applicable. · Entet ':Jour Social Security Number and the Internet Account Password printed in the upper right hand . comer of this transaction advice. Follow the additional instructions. CQ.OOO4R2 No. - EXHIBIT "B.4" DATE OF DEATH BALANCE OF AVA Y A STOCK Mean of Aug 18 & Aug 21, Number of Stock Date High Low Mean 2006 Shares Value LV 8/18/2006 2.31 2.23 2.27 8/21/2006 2.31 2.24 2.28 2.27 564 I, -:If/O, 2~ VZ 8/18/2006 34.51 34.16 34.34 8/21/2006 34.62 34.08 34.35 34.34 1100 :j1.11 'f.ill . AV 8/18/2006 10.26 10.35 10.31 8/21/2006 10.80 10.27 10.54 10.42 47.00 $489.74 '- -. 8/18/2006 37.42 36.9 37.16 AXA --""- 8/21/2006 37.22 36.95 37.09 37.12 141.8 $ ':l ~3 .. I}. , '"~ CMCSA 8/18/2006 34.51 34.13 34.32 8/21/2006 34.83 34.33 34.58 34.45 210 $7,234.50 AT&T 8/18/2006 30.88 30.28 30.58 8/21/2006 30.69 30.52 30.61 30.59 2377 121 ':lli , Total in Stocks :::$.j\Mill~p.~. AVAYA VOLUNTARY SALE AND PURCHASE PROGRAM To sell your shares: · Call D. F. King at 1-800-848-3374; or · Log onto www.dfking.comJavaya; or · Complete the Acceptance Card attached below and return it in the enclosed envelope, along with your certificate(s) (if any). To purchase shares: · Complete the Acceptance Card attached below and return it in the enclosed envelope, along with a check in the amount indicated on the Acceptance Card. ELECTRONIC DELIVERY OF COMPANY MATERIALS If you would like to sign up for electronic delivery of company materials: · Call D.F. King at 1-800-848-3374; or · Visit http://investors.avaya.com,click on the link for shareholder information, and then the link for electronic delivery and follow the instructions provided. DETACH HERE TO SELL OR PURCHASE SHARES BY MAIL . .. -. . - .. ... -. .. - ."P ... .~ - __.. _.. - . ." .. .. __.. _. .. _.. _. - ... - .. .. _." _'. .. .. __ ".. .. .. . ,_ - . .. - .' .. _,. . ... . _................-._--.-.-....-.--.---.._-......._-..............................--....---.......-......................--..................................------..........-......---........-....-----......---......----..............-.........-........................................................-.......--.............................................-. Acceptance Card for A vaya Inc. Voluntary Sale and Purchase Program This completed card must be received by 5:00 p.m. (ET) on July 16,2003 at Odd Lot Securities Processing Center, P.O. Box 859208, Braintree, MA 02185-9208. .1 own at least 20 but less than 50 common shares of Avaya Inc. I authorize the sale or purchase of common shares of Avaya as indicated below. I agree to the terms described in the letter dated June 9, 2003. I understand my election is irrevocable. If I am signing this card as a co-owner, I understand that these representations are intended to apply to all co-owners collectively. Note: Failure to provide a 'lax Identification Number (TIN) will result in a percentage withheld from your proceeds. If the TIN below is incorrect or blank, please provide the correct number AI'<<! sign the W-9 Certification on the reverse side of this Acceptance Card. TIN 196-10-9030 (0) Shares Held 47.0000 PIN # 0723 0.0000 47.0000 Account# 00030782304 65476 H LLOYD KRAMER 301 E CHURCH RD APT 8 TELFORD PA 18969-0000 I IIIIIIIII~ III~ 11111/1111 111111111111111 111111"" III" IIII1III Indicate Your Election (Check either Box A or B) Note: If you s1en this Acceptance Card and return It without checklnll Box A or B, you wUJ be deemed to have Instructed us to sell all your Avaya shares and to send you the net proceeds. A) 0 B) 0 SELL ALL MY AVAYA SHARES PURCHASE 53.0000 AVAYA SHARES TO ROUND MY ACCOUNT UP TO 100 SHARES To purchase shares, enclose a check for $ 500.50 Checks drawn on a U.S. Bank should be made payable to The Bank of New York. *NOTICE FOR HOLDERS SELLING THEIR SHARES AND WHO HAVE LOST THEIR CERTIFICATES* Any stock certificate not presented along with this signed Acceptance Card will be deemed lost and your signature below will acknowledge that you agree to the tenns and conditions of the Affidavit described on the back of this card. SIGN HERE (SIGNATURE OF OWNER AND JOINT OWNER, IF ANY) DATE My telephone number is: EXHIBIT "E.! " DATE OF DEATH BALANCE OF UNIVEST ACCOUNT - UNJVl:.~1 ;:lr=r-..::-r -.:x..oo .1...::1. ;:>0 - 11 J..JJ..UYU L'I..L.d.J.l.lt:=L Messages Last stmt balance: Current balance: Posted 7/28/06 7/31/06 8/06/06 8/06/06 8/11/06 8/21/06 8/21/06 8/22/06 8/23/06 8/25/06 9/05/06 9/05/06 9/25/06 'Ie 163 163 160 151 163 093 178 1 '70 C 163 C 163 160 151 C 163 Check 110 S C C , l:.Lt'"uruT ':::.l;:>- r..::-..;. ..::Ir<t<t- r'.I:J<::rl:J<:: ~UJ.J.UJ.V..JLL 1 of 1 9/05/06 - 5 .l"l.I"I,..VI,..I.J.1l,.. J.1I,..1..lI.ll.n:::.L.. 332.51 Last stmt date. 533.45 Statement cycl~' Control: From . Debit . 6.00 Balance 4,781.31 4,919.08 4,919.63 4,919.63 4,923.26 7 .26 121.74- 153.74- 159.74- 330.26 332.12 332.51 332.51 533.45 Fll-P . Bottom - r10r bal F15=EFT F22=T/C F23~Checks ) 490.00 1.86 .39 .200000% 200.94 F4=Redisplay F'7=Scan f F16=Sort F17=Top Fla=B~~~~id F2g~;~~~~dbaCkwardS ~-t ~Ianee. o--P- -Me. A-ccou"f lfY' Au} JJ', JDJ -t-I, I would b c. 'f'J 'L ~ e.. a s on4r.-j IJ, $/IJce- 17 0 ---!4r #Jt~r '-tell /)'sA c..,h{>?.3. oc!c urt-e J un,l) ft. (j c2-/. ~i O~1!'r' 3tt~"Ih5, 1/e/lS<.. cui me. if d/5 ~?J..3- ./fy/S ~a.-. Iz ~tIk- ~tU~~~ TOTAL P .1212 OUNIV _National Bank and Tru M~ber FDIC Page 1 Account Number: 2811610522 ~ ******************MIXED AADC 189 4928 0.8620 MB 0.326 24 13 3 111111111111111111111.11111111111111111111111.111111.1111111.1 H Uoyd Kramer Doris P Bossert POA M C Fidler POA Lynn Thomas POA Maplewood Assisted Uving 5225 Wilson Ln Rm 305 MECHANICSBURG PA 17055-6663 Statement Period: 07/06/06 - 08/06/06 $" ~ q 19,. (.., 3 r u I. .~ .:1_q If '6 I 2 ,..21 Enclosures: 3 Account Title: H Lloyd Kramer Doris P Bossert POA M C Fidler POA lynn Thomas POA Advantage Checking - Premier Account Number 2811610522 Previous Balance 4.682.00 4 Deposits/Credits 632.28 4 Checks/Debits 395.20 Service Charge .00 Interest Paid .55 Current Balance 4.919.63 Statement Dates 7/06/06 thru 8/06/06 Days in the statement period 32 Average Ledger 4.629.46 ~ Average Collected 4.629.46 Interest Earned .55 Annual Percentage Yield Earned 0.14X 2006 Interest Paid 2.46 . Activity in Date Order Date Description Check# Reference Amount Balance " 7/11 BENEFIT ADVANTAG RETIREE 000100158 i@45. ~O- 4.437.00 0 1392023593 PPD 075902100000158 0 7/14 THRIVENT PAYROll DEPOSIT 000158684 2.65 4.439.65 ,... 1390123480 PPD 075972175958684 0 7/14 Check 878 000147471 50.00- 4.389.65 (\') 7/25 073: HIGH YlD-A INVESTMENT 093252538 490.00 4.879.65 0 co 1411568011 PPD 011000028052538 ,... 7/25 Check 877 000135832 80.20- 4.799.45 Ol 7/26 Check 879 000133305 20.00- 4.779.45 -.:t 7/28 THRIVENT PAYROll DEPOSIT 000198356 1.86 4.781.31 0 1390123480 PPD 075972176598356 " 7/31 THRIVENT FINANCl DEPOSIT 004017514 137.77 4.919.08 8390123480 PPD 075972176617514 8/06 Interest Deposit .55 4.919.63 . Checks in Serial Number Order Date Check No Amount Reference Date Check No Amount Reference 7/25 877 80.20 000135832 7/26 879 20.00 000133305 .#" 7/14 878 50.00 000147471 * Indicates Break in Check Number Sequence ANYTIME INFORMATION SERVICE (215) 721-0586 OR (BOO) 287-0105 UE99-{ EXHIBIT "E.2" BENEFIT ADVANTAGE CO. REFUND 25563 <l~Benefit Advantage, F-=: COBRA ACCOUNT - P.O. BOX 5490 DE PERE, WI 54115-5490 Inc. SA YLAKE BANK ASHWAUBENON FINANCIAL CENTER GREEN BAY, WI 54304-5326 79-210-759 9/5/2006 PAY TO THE ESTATE OF H. LLOYD KRAMER ORDER OF $ **94.84 MEMO PREMIUM REFUND __1)_ fD DOLLARS "Ii "0 , 1) .E . ~ 1 >- ;; ~ ----~~ :1 I __-.J N in ety- F au r an d 84/1 00 ***** ****** **.... *** ****** **********.. ************* *****..***.... ***** ** **** *********************** **** ***. ESTATE OF H. LLOYD KRAMER 5 WILSON LANE MECHANICSBURG, PA 17055-6622 1110 2 5 5 b 3111 I: 0 ? 5 gO 2 .0 1..1: III? 28111 . g01l1 3111 BENEFIT ADVANTAGE,INC. ESTATE OF H. LLOYD KRAMER 25563 9/5/2006 94.84 Baylake - Cobra PREMIUM REFUND 94.84 EXHIBIT "E.3" STATE FARM REFUND tTAJlN.. A STATE FARM FIRE AND CASUAL TV COMPANY 100 State Farm Place Ballston Spa, NY 12020-8000 ACKNOWLEDGMENT OF CANCELLATION REQUEST ...,.....~ 0336 P-13- 3517-F396 KRAMER, H LLOYD C/O MOL LEY FIDLER 19 CHARISMA DR CAMP HILL PA 17011-1010 F H Renters Policy POLICY NUMBER: 78-CL-9776-3 DATE CANCELED: AUG 19 2006 111.11111.111"11111111.11'1111111111111111111111111.1..1111.1 RETURN PREMIUM: $130.24 To: l:&!INSURED 0 MORTGAGEE 0 OTHER Dear Policyholder, As requested, this policy has been canceled effective 12:01 a.m. (or the time which is required by state law) as of the Date Canceled shown above. We thank you for giving us the opportunity to provide this insurance. Location: 5225 WILSON LN RM 305 MECHANICSBURG PA Agent: LINDA GELCIUS Telephone: (215) 340-1222 or (215) 345-5630 524-127 04-01-2002 (o1f1223a) DATE PROCESSED SEP 11 2006 (:y":l STATE FARM FIRE AND CASUAL TV COMPANy'..,....,. ...",.$...", -" .. "'".,...~K~I\"'IQt.; Iol~ '. .,','.:'''''.d'''' H.";'12781&tl"^'8 X. POLICY NUMBER 78-CL-9776-3 IN PAYMENT OF RETURN PREM 259-00 . i PAVTO THE . l::l OROER OF =: .e "::~ . - .... N ~ '" P-3517-F396 F H $ ******130.24 ONE HUNDRED THIRTY DOLLARS AND 24 CENTS KRAHER, H LLOYD C/O MOLLEY FIDLER 19 CHARISMA DR CAMP HILL PA 17011-1010 @ c;fJ~~~~~ 'VI. PRESIDENT #~~ER 201 . .. ..... . . .. .. . :. . . . . - . . III ~ ~ 5 08 b 5 b ~ ~ III I: 0 b ~ ~ ~ 2 ? 8 81: ~ 2 C1 C1 ~ ~ ~ 5 ~ 0 III EXHIBIT "E.4" THRIVENT REFUND ~ ESTATE OF H LLOYD KRAMER % MAPLEWOOD ASSISTED LIVING 5225 WILSON LN STE 305 MECHANICSBURG, PA 17055-6663 Please retain this voucher for your records Check No. G984587 Dale 08 31 06 Amount $148.21 Payee ESTATE OF H LLOYD KRAMER For PREMIUM REFUND \P Thrivent Financial for Lutherans™ 193815 Appleton, Wisconsin. Minneapolis, Minnesota www.thrivent.com M Thrivent Financial for Lutherans™ ~ 441 .,~~~4~~l~~7 MC0772,f2()9'?f Appleton. Wisconsin. Minneapolis, Minnesota www.thrivent.com ~b~l~[~ CHECK AMOUNT "'i . ONE HUNDRED F"b'R1Y-EIGff! DOlLARS AND 21 CENTS ********** PAY TO THE ORDER OF AUGUST 31, 2006 ********$lJ~ .,21 ,.,'....,.,'.-,; ESTATE OF H LLOYD KRAMER % MAPLEWOOD ASSISTED LIVING 5225 WILSON LN STE 305 "- ~4~~ 74 MECHANICSBURG, PA 17055-6663 CFO . ... _ .....__.____. _ ...._ .__..._. _.....___._ .._.... ...._. _. ..._... _ ,._......_ ...._..__.______..__._'(QlP..!L~~~L..__._____..___...._.____..__.._...._._.._______~er~!.Pisburl!.41!!!~_____ 11151181, 58 7111 1:01,1,..51,1, 311: b 2 11 I, 31 7 I, 31 Sill . VERIFY OOCUMENT AUTHENTICITY' TO THE RIGHT OF SIGNATURE'(HOC;O/BETWeEN"lHUMB/ANP"/FOFlEFINGEA}iC OCORWILLOISAPPEAR; THENFlEAPPEAR). EXHIBIT "E.5" LUTHERAN COMMUNITY EQUITY REFUND Lloyd Kramer I Vendor Code: MISC5 Invoice No. Description Date Amount Discount Withheld Net Amount LLoyKramer Refund Guaranteed Equity 08/17/2006 42,165.00. 0.00 0.00 42,165.00 Check Date: 108/17/20061 Check#: 11000004080 1 Totals:' 42,165.00 0.00 0.00 42,165.00 Lutheran Community 0 TeWord - Lutheran Community 0 TeWord - Lutheran Community 0 TeWord -Lutheran CommunIty 0 TaWord - Lutheran Community 0 TeWord -Lutheran Communtty @ TeWord -Lutheran Com Lutheran Community at Telford 235 N Washington Street Telford, PA 18969 Univest National Bank 10 West Broad St. Souderton,PA 18964 1000004080 Lutheran Community at Telford TM Pay to the order of August 17, 2006 d~~::~~~.t~~~~~~~ ~~~.~~~~r~~.~~.~v~. ~~~ ~~~-~~~ I $****42.165.001 ::: Lloyd Kramer Bethany Village-SkilledNursing 5225 Wilson Lane Mechanicsburg, PA 17055 II. ~ 0 0000 L, 0 8 0 II.I~ 0 ~ ~ ~ ~ ~ L, ~ 81: 0 2 ~ ~ ~ 0 ? 8 b ~ II. l__~ EXHIBIT "F. 1 " DATE OF DEATH BALANCE OF PNC ACCOUNT Account Transaction Detail Report @ Ascending C Descending Account Transaction Detail Report Account Number: 5004893961 Post Date Effect Date 07/28/2006 07/28/2006 Amount $145.00 Page lof2 PNCBank 32nd Street Branch - 106 1400 Camp Hill Shopping Mall 32nd St. & Route 15 Camp Hill, PA 17011 Balance DCN Pin $493.68 D N QPNC Seq/Ref# Description 024666687 CHECK 102 024666687 08/03/2006 08/03/2006 08/03/2006 08/03/2006 $1,225.00 $33.87 $1,718.68 C N $1,684.81 D N 165109030A SSA SOC SEC U S TREASURY 3030002006212474023 5 024605664 CHECK 104 024605664 08/08/2006 08/08/2006 026793546 CHECK 106 026793546 $73.36 $1,611.45 D N 08/14/2006 08/14/2006 029129080 CHECK 107 029129080 08/18/2006 08/18/2006 $8.34 $1,603.11 D N $4,815.26 $6,418.37 C N 026710440 DEPOSIT if &00 lth-""""'~""rv -c.,~"" u.....u.~ 026710440 I~. ~ ~d. fLtr'~ ~rru.- <1-e>r-"-p, 1(h.- $1,478.56 $7,896.93 C N 026710443 DEPOSIT 026710443 08/18/2006 08/18/2006 r J.-u..~.c"Lf!..t..::,\..u.-.:.-v- '-"', ~ U 08/18/2006 08/18/2006 900850 $53.30 $7,950.23 C ~N .. . DEPOSIT ADJMT - tj r;- 00 _ H4 11__:.. - -. ~ 026710444 ""?> ,5"" -:l-3 - b '-..16-..... '-<- UV'\ ~ II t( f 0 Co 08/22/2006 08/22/2006 026509667 CHECK 109 026509667 $388.24 $7,561.99 D N 08/25/2006 08/25/2006 027499216 CHECK 110 027499216 $500.00 $7,061.99 D N 08/28/2006 08/28/2006 $1,880.00 $5,181.99 D N 028603646 CHECK 111 028603646 $5,151.99 D N 028602939 CHECK 112 028602939 $4,826.99 D N 026114727 CHECK 108 026114727 08/28/2006 08/28/2006 $30.00 08/29/2006 08/29/2006 $325.00 https://www.eai.pncbanlccom/eaimswsblEaiMessageServlet?SOURCE-CHANNEL= 9/27/2006 Senior Checking rr Account Statement Q For 24-hour information, sign on ~ P \Bank Online Banking on pnc.com., For the period 07/27/2006 to 08/25/2006 H LLOYD KRAMER Primary account number: 50-0489-3961 Page 2 of 2 H Lloyd Kramer Doris P Bossert Marlene C Fidler Senior Checking Plan Regular Checking Account Summary Account number: 50-0489-3961 Balance Summary 638.68 Deposits and other addition s 7,572.12 Checks a nd other deductions 1,148.81 Ending balance 7,061.99 Please see the Activity Detail section for additional information. Beginning balance Average monthly balance Charges and fees 2,988.49 .00 Transaction Summary Checks paid/ Check Card POS withdrawals signed transactions Check Card/Bankcard POS PIN transactions 6 0 o Total ATM PNC Bank transactions ATM transactions Other Bank ATM transactions o 0 o . Activity Detail Deposits and Other Additions Date Amount Description 08/03 1,225.00 Direct Deposit- Soc Sec US Treasury 303 XXXXX9030A Deposit Reference No 026710440 71 Deposit Reference No 02671 0443 _,;t.1 j- d-~ I . Deposit Adjmt Reference No 026710444- There were 4 Deposits and Other Additions totaling $7,572.12. 08/]8 08/18 08/ 18 4,815.26 1,478.56 53.30 f" 19"-sr + q<l-s:.9) Checks and Substitute Checks Check Date number Amount paid Reference number Check number 107 109 * no Date Reference Amount paid number 8.34 08/ 14 029129080 388.24 08/22 026509667 500.00 08/25 027499216 102 104 * 106* 145.00 33.87 73.36 07/28 08/03 08/08 024666687 024605664 026793546 * Gap in check sequence There were 6 checks listed totaling $1.148.81. Daily Balance Detail Dale Balance 07/27 638.68 07/28 493.68 Date 08/03 08/08 Balance 1,684.81 1,611.45 Date 08/14 08/18 Balance 1,603.11 7,950.23 Date 08/22 08/25 Balance 7,561.99 7,061.99 PNC bas a new address on tbe Web. Visit pne.eom for all your banking needs. Financial decisions are complex. You need infonnation that isn't. Get answers to all your personal and business banking questions at pnc.com. New look. Easier to use. More information. Same great destination on the Web. Take a tour today - pne.com. EXHIBIT "G. 1 " DATE OF DEATH BALANCE OF THRIVENT ACCOUNT NO. 18-00007591431 B9/25/2B86 18:15 2153581718 THRIVENT L.ANSI)ALE,F'A f'Al::1c. 1;Jt:f.~ BOX Death Claims ~ Mutual FundslThrtvent Sent by: Connie VanDam 08/2312006 09: 1 B AM To Thomes McGuirelFldJihrivel'lt@Thrivent ce bee Subiect Re: Customer with mutual funds and other2odUClS: ~ 506715128 - Death of Thrivent Custometa' deathclm@thrlvent.com . deathclm@tllrivent.com 08/2112006 03:39 PM To mutuBlfunddeathclaimS.mfdeath@thrlvenl.com ce ... Customer with mutuel funds and other products: 506715728 Subject _ Death of Thrivent Customer Mutual Fund Death Clai~ Service Kit }l.uguse 21. 2006 To Financial Representative: THO~S Me GUIRE Deceased: H Lloyd Kramer Date of Death: August 19, 2006 elF lD: 506715729 A~tached you will find the information needed to distribute the account assets for the fOllowing account(s}: cD Fund and Account Number: 1B-00007591431 Registration: H LLOYD l<RAMRR TTEE KRAMER REVOCABLE LIVING TRUST DTD 12/03/2001 Account Type: Trust Estimated Date of Death Value: $30, 561 . 65 Beneficiary: none IMPORTANT NOTICEl PLEASE READI The paperwork required to re-register or redeem the above referenced accounts(s) is located on InfoSource. InfoSource will provide you with detailed re-registration and redemption information along with the required forms. Once In Info Source, click: on the following path: . Thrivent Investment Management · Thrlvent Mutual Funds-How-To Information . Distributions Due to Death EXHIBIT "G.2" DATE OF DEATH BALANCE OF THRIVENT ACCOUNT NO. 23-00007591431 ~ Fund and Account Number. 23 - 00007591431 Registration: H LLOYD I<:RAMER TTEE: KRAMER REVOCABLE LIVING TRUST DTD 12/03/2001 Account Type: Trust Estimated Date of Death Value: $3,540.34 Beneficiary: none IMPORTANT NOTICE! PLEASE READ! The papelWork. required to re-register or redeem the above referenced accounts(s) is located on InfoSource. InfoSaurce will provide you with detailed re-registration and redemption information along with the required forms. Once in Info Source, dick on the following path: . Thrivent Investment Management . Thrivent Mutual Funds-How-To Information . Distributions Due to Death From there. click on the account registratian(s) that apply to your specific case. The registrations are listed below. Please note if multiple account registrations exist more than one set of paperwork may be required to complete the request. Trust Account. ~::e~.:d T~~) - EXHIBIT "G.3" DATE OF DEATH BALANCE OF THRIVENT ACCOUNT NO. 55-00007591431 Fund and Account Number. 55-00007591431 GJ Registration: H LLOYD KRAMER 1'TEE KRAMER REVOCABLE LIVING TRUST D'I'D 12/03/2001 A.ccount Type: Trust Estimated Date of Death Value: $15,669.90 Beneficiary: none IMPORTANT NOTICE! PLEASE READ! The paperwork required to re-register or redeem the above referenced accounts(s) is located on InfoSource. InfoSource will provide you with detailed re-registration and redemption information along with the required forms. Once in Info Source, dick on the following path: . Thrivent Investment Management · Thrivent Mutual Funds-How-To Information . Distributions Due to Death From there, click on the account registration{s) that apply to your specific case. The registrations are listed below. Please note if multiple account registrations exist more than one set of paperwork may be required to complete the request. ~ Account, Deceased T~~ EXHIBIT "GAil DATE OF DEATH BALANCE OF THRIVENT ACCOUNT NO. 55-00007603347 (9 Fund and Account Number: 55-00007603347 :1J2.f\ Registration: THRIVENT FI~~~~ custODIAN H LLOYD KRAM~ Account Type: IRA Estimated Date of Death Value: $13,020.42 Beneficiary: !<RAMER REVOCABLE LIVING TRUST r'" ;J31CO IMPORTANT NOTICE! PLEASE READI The paperworK required to re-register or redeem the above referenced accounts(s) is located on InfoSource. 'nfoSource will provide you with detailed re-registration and redemption information along with the required forms. Once in tnfo Source, click on e following path: . Thrivent Investment Management . Thrivent Mutual Funds-Haw-To Information . Distributions Due to Death From there, click on the account registration(s) that apply to your specific Case. registrations are listed below. Please note if multiple account registrations exist one set of papelWor1<. may be required to complete the request. @.403(bl Accoun~ Deceased ~ 'I ., Your client may have been subject to RMD. If an RMD distribution was required and had not been satisfied by the deceased prior to death it must be satisfied by the beneficiary(ies) in the year of death. EXHIBIT "0.5" DATE OF DEATH BALANCE OF THRIVENT ACCOUNT NO. 73-00006985299 ./ ~ Fund and Account Number: 73 - 000069B5299 :r:l2 A Registration: THRIVENT FINANCIAL BANK CUSTODIAN i '\,\ I ( ~ ~t' /1 H LLOYD KRAMER IRA "-_.~....,' Kccount Type: IRA Estimated Date of Death Value: $ 6 B 6 . :3 B Beneficiary: lCR.AMBR REVOCABLE LIVING TRUST DATED 12/3/2001 IMPORTANT NOTICE! PLEASE READI The paperwork required to re-register or redeem the above referenced accounts(s) is located on InfoSource. InfoSource will provide you with qetailed re-reglstration and redemption information along with the required forms. Once in Info Source, click on the following path: . Thrivent Investment Management · Thrivent Mutual Funds-How- To Information . Distributions Due to Death From there, click on the account registration(s) that apply to your specific case. The registrations are listed below. Please note if multiple account registrations exist more than one set of paperwork may be required to complete the request. 7:- ---- ~403(b) Account..D_et.ce.aa.ed Owo~O Your client may have been subject to RMD. If an RMD distribution was required and had not been satisfied by the deceased prior to death it must be satisfied by the beneficiary(ies) in the year of ~eath. EXHIBIT "G.6" DATE OF DEATH BALANCE OF THRIVENT ACCOUNT NO. 73-00007591431 @ Fund and Account Number: 73 -00007591431 Registration: H LLOYD KRAMER TTEg KRAMER REVOCABLE LIVING TRUST DTD ~2/03/200'1 Account Type: Trust Estimated Date of Death Value: $35, 353 .62 Beneficiary: none IMPORTANT NOTICE! PLEASE READ! Th rwork required to re-,register or redeem the above referenced accounts(s) Is 'oC:fe~n InfoSource. InfoSource will provide you with detai~ed re-registratio~ and redemption information along with the required forms. Once In Info Source, click on the following path: , . Thrivent Investment Management . Thrivent Mutual Funds-How- To Information . Distributions Due to Death From there. click on the account registration(s) that apply to your speclfic case. The registrations are listed below. Please note if multiple account registrations exist more than one set of papelWork may be required to complete the request. Trust Account, Deceased Trustee ) --------' The values quoted in this claim kit reflect the manually calculated, approximate value of the account(s) as of the date of death. . Members who have questions regarding a Mutual Fund Death can call (800)847-4836, then follow the prompts for Mutual Funds. Financial Representatives who have questions regardin9 a Mutual Fund Death can call (889)422-5737, then follow the prompts for Mutual Funds. EXHIBIT "G.7" DATE OF DEATH BALANCE OF LUCENT STOCK Mean of Aug 18 & Aug 21, Number of Stock Date High Low Mean 2006 Shares Value LU 8/18/2006 2.31 2.23 2.27 8/21/2006 2.31 2.24 2.28 2.27 564 I "J (/t'). jQ VZ 8/18/2006 34.51 34.16 34.34 8/21/2006 34.62 34.08 34.35 34.34 1100 =Ji.11'f.~ AV 8/18/2006 10.26 10.35 10.31 8/21/2006 10.80 10.27 10.54 10.42 47.00 $489.74 - -.. 8/18/2006 37.42 36.9 37.16 AA.A -....- 8/21/2006 37.22 36.95 37.09 37.12 141.8 S ..~ ~3 .. /). I ..(, CMCSA 8/18/2006 34.51 34.13 34.32 8/21/2006 34.83 34.33 34.58 34.45 210 $7,234.50 AT&T 8/18/2006 30.88 30.28 30.58 .- 8/21/2006 30.69 30.52 30.61 30.59 2377 ;21 '2li , Total in Stocks ::::$.j~7'~P.~' Lucent'TeChnOI09les U a.1 Labo lmoyation. BuvDlRECTSM SHAREHOLDER INVESTMENT PLAN STATEMENT OF ACCOUNT clo TIle BanK OT NeW YOrK, AOmlnlstfalOr P.O. Box 1362 SEa# Newark, NJ 07101 -1362 , -BBB-LUCENT6 (1 -8BB-5B2-3686) Websne: httpJlstockbny.corMJcent E-mail: lJshareholders@bankotny.com 0183400 11111111.111111111111111,1,11111,,11..1.111..111,111,11..111.1 H LLOYD KRAHER TR UIA DTD 12/03/01 THE KRAHER REVOCABLE LIVING TRUST 301 E CHURCH RD APT 8 TELFORD PA 18969-1724-08 Company Number Account Number Cunent Dividend Record Dat9 Payment Date 3460 0037251667 CURRENT DIVIDEND PURCHASE INFORMATION Plan Record Date Position H.1d By You In c.rtifieat. Form Held By Plan Rat. Gr 0.. DoUan Tax.. Service N.l D~Uar. Or Direct Regi.~ation Adminilutor Tolal Paid Wilhheld Fe.. Re.lnynled YEAR.TO-DATE TRANSACTIONS Tran.action Dal. Tranoaction Deocrlption Transaction Dolar. Prlee per Sharf Transaction Shar.. Total Shar.. Held By Admlnlstrale I \ I I I THIS STATE ENT REFLECTS YEAR-TO-DATE ACTIVITY A OF DEC. 31, 2004. THE FAIR MARKE VALUE IS BASED ON L CENT"S CLOSING PRICE OF $3.76 ON DEC 31,2004.THE TOTAL PL1~ SHARES RE LECTS THE TOTAL SHAR S OWNED BY YOU IN CERTIFICATE AND BO K ENTRY FORM AS OF THA DATE. 'IT. IF NO DETA L IS LISTED,THEN THERE WAS NO YEAR T DATE ACTlVI Y IN YOUR PLAN ACCOU YEAR. TO-DATE SUMMARY REVISED ACCOUNT BALANCE GROSS DIVIDENDS I TAXES WITHHELD I CASH CONTRIBVTIONS I SERVICE FEES I TOTAL FUNDS INVESTED TOTAL PLAN SHARES I FAIR MARKET VAL' I I .00 I .00 I .00 564.0000 I 2120. . DETACH HERE . TRANSACTION REQUEST FORM - PLEASE KEEP THIS FORM FOR FUTURE REQUESTS D S.I Plan Shar.. (Enlar Number 01 Whole sha"s) OIIIIIJ 0 Cartilleal. Transaction - 0 DIVIDEND ELECTIO II 'AI' i. .nlared. particttion In th. plan will be Mom rhis box ord (Mom rhis box ord 0 larmlnaled. Shar.. will .old subjecllo th. compl". rhe orh., sid. election box below} T arm. ard Cordition. D.laiItd In th. Plan. of form. 00 nol Sl9n D Inu. Plan Shar.. (Ent.r Numbt/ 01 Whol. mar..) the Cartilleale(s) D ReInY..1 All If 'AI" i. .nlartd. Porticipation In th. plan will be OIIIIIJ Acl::lltionaJ Purchase . Divid.nds l.rmlnaltd. A cartirlCal. will be luuod In 0 R~'I.rtd hold.r(.) nam.. Aulomatic Monthly Doductions. Mom rhis 0 D Is.u. Dlrecl Regi.nation sharos ~haros held by OIIIIIJ box ord compl./. lhe Pay C..h Tran.l.r All.nllo, .al.kttping) .1./ Number orh., sid. or form. Divid.nds 01 Whol. shar.s 0/ 'AI'. A c.rtilleal. wii be iuutd in th. /egi.lart<i holdar(s) nam.. D Acl::lrou Chang. 0 RolnY..1 Divid.nd. D S.I Dlracl Regl.1ration .h"'.. (Shar.. h.1d by OIIIIIJ Mom rtWo box ond compt.r. Shar.1 ar T,an.lar All.nl for s"f.kttping) Enlar Numbe/ 01 lhe o/h., sid. of form J5iYCUh Divid.nd. Whol. shar.. 01 "All". Shar.. will be Sold Subjacl L on R.malning SharI 10 In. 10rm. and Cordition. D.lRied in th. Plan. 0 Optional Cosh Conlllbution Amounl Enclostd GII1ITIJ.CD . AI Paym.nIJ mU$1 be in U.S. Dona.. Drown on a U.S. Bank and Payabl. \0 Th. Ba'lk 01 N.w York. ALL REOUESTS MUST SIGNATURE BE SIGNED BY ALL REGISTERED OWNERS SIGNATURE DATE (MAKE NO MARKINGS BELOW THIS LINE) 3460 1002 0037251667 2 00000010000 EXHIBIT "G.8" DATE OF DEATH BALANCE OF VERIZON STOCK Mean of Aug 18 & Aug 21, Number of Stock Date Hlah Low Mean 2006 Shares Value LU 8/18/2006 2.31 2.23 2.27 8/21/2006 2.31 2.24 2.28 2.27 564 I,~ VZ 8/18/2006 34.51 34.16 34.34 8/21/2006 34.62 34.08 34.35 34.34 1100 '=11.1 1 ~.QJ; AV 8/18/2006 10.26 10.35 10.31 8/21/2006 10.80 10.27 10.54 10.42 47.00 $489.74 - -- 37.42 36.9 37.16 AXA 8/18/2006 ....- 8/21/2006 37.22 36.95 37.09 37.12 141.8 -5, ':l ~J.t6J. CMCSA 8/18/2006 34.51 34.13 34.32 8/21/2006 34.83 34.33 34.58 34.45 210 $7,234.50 AT&T 8/18/2006 30.88 30.28 30.58 8/21/2006 30.69 30.52 30.61 30.59 2377 ;21 ':l4i , Total in Stocks :::$.j~1~~p.~, ~ verimo For account information contact COMPUTERSHARE VERIZON COMMUNICATIONS c/o COMPUTERSHARE P.O. BOX 43005 PROVlOENCE. RI 02940-3005 1III1III1III11 By Internet: www.verizon.equiserve.com -- !!!!!! = - !!!!!! - iiiiiiiii - - ;;;;;;;;;; iiiiiiiii 092925 By Telephone: 800-631-2355 if 1/" Ir1)-O "---.. - !!!!!! - = EC'. ..n DM.IPQ.tcU4S 12125 1Z125 1 1_12-~--u HV4IOOEC.J2MD.DOO1.12t21 aoD10205l1110114 CHKDIV XMIT 471 By Mail: COMPUTERSHARE P.O. BOX 43005 PROVIDENCE. RI 02940-3005 = ;;; = ;;; !!!!!!!! iiiiiii - - H LLOYD KRAMER TR H LLOYD KRAMER REV TRUST UA 12/03/01 325 CHURCH RD APT 321 TELFORD, PA 18969-1784 /I ~ ~~_~. ~ ..----;, -:; 0 0 4 '. == VERIZON COMMUNICATIONS Account Number: 117284897 I. ., . it. I d' 76928371 (lew fCl..9.> - 1/'2-'1 '1'{ Access your account on Ine at www.venzon.eqUlserve.com. your In la passwor IS: . Issue Issue Record Payable Record Dividend Gross Tax 10 Date Date Date Shares Rate Amount Withheld COMMON 480010 01/10/2006 02/01/2006 1 . 100.0000 $0.40500 $445 .50 $0 . 00 COMMON 480010 04/10/2006 05/01/2006 1,100.0000 $0.40500 $445.50 $0.00 :urrent Dividend Check Number: 300199423 Year-To-Date Paid $1,336.50 $0.00 Amount Payable $445.50 1) $1,336.50 COMMON 480010 07/10/2006 08/01/2006 1,100.0000 $0.40500 $445.50 $0.00 ~.~ fAt(!.. ~ /16/6 b "';~., j(..," Get Direct Deposit - Avoid Delays! It's fast...no more waiting in lines. It's convenient...even when you're out of town. It's easy to enroll...see back for details. EXHIBIT "G.9" DATE OF DEATH BALANCE OF THRIVENT ANNUITY CONTRACT NO. 4405830 89/25/2886 18:15 2153681 718 THRIVENT LANSDALE,PA PAGE El3 \P Thrivent Financial for Lutherans'TM Death Benefit Information Annuity Contract: 4405830 Deceased: H Uoyd Kramer Oat- of Death: 0811912006 Date Prepared: 08/2312006 Claim Number: 372250 Death Benefit Cost Basis Taxable Gain Total Death Benefit $ $ $ 112,255.96 31.618.23 143,814.19 Beneficiary Designation Proceeds will be paid to H Lloyd Kramer, 301 E Church Rd, Apt 8, Telford. PA 18969-1124, trustee. or the suocessor(s) in trust. under the terms and conditions of the The Trustees Of The Kramer Revocable Living Trust Uta 12/3/2001, living trust agreement, trust id number 165109030, dated 12/03/2001 and any amendments thereto; otherwise to the estate of the payee. Special Messages 1. To enable the claim to be properly evaluated, we need a copy of the trust agreement and trust tax identification number. 2. IMPORTANT TAX REQUIREMENTS: Each beneficiary will be subject to federal income tax withholding for their share of the taxable gain. Each beneficiary needs to complete the substiMe W-4P section on the Claimant's Statement. If NO withholding is desired, the first section in the substitute W4P should be checked. If the beneficiary DOES want withholding, the appropriate section should be completed. 3. The tax Identification number in the subs~tute W-4P section on the Claimant's Statement must be the tax identification number for the trust. The deceased member's social security number is NOT to be entered on this form. 4. To assist the beneficiary in selecting a distribution method, you should refer to Income Tax Chart NO.1. This chart can be printed from InfoSource. Customer Service, Claims. Death Claims Tax Charts. Page 2 of 6 Deceased's Customer 10: 506715728 EXHIBIT "H.A.l " ANDERS DETWEILER FUNERAL HOME BILL Anders Detweiler Funeral Home . ... 130 East :aroll!iJ~tree~.. . Souderton, P A 18964 (215) 723-2300 ~ ~I~ (,i. ? tit \ (; 0 .q~ ('l- . r;}- L\' ~~ Mrs. Marlene Fidler 19 Charisma Drive Camp Hill, PA 17011 Re: Services for H. Lloyd Kramer Date of Death: August 19,2006 Account No.Cl-338 Funeral Date: August 24, 2006 Standard Funeral Service Services Basic Services of Funeral Director/Staff. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Embalming of Deceased. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Staff & Facilities for Visitation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Additional Day ofViewinglVisitation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Facilities, Staff & Equipment - Ceremony. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Transfer to Funeral Home - Local. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Use of Funeral Coach. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Equipments / Floral Van. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total Services Merchandise Wood - 4VT647D - Oxford. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Burial Vault - Deluxe. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Tolal Merchandise Cash Advances Cemetery - Hilltown Union Cemetery. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Clergy Honorarium / By Family. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Cemetery Ray Johnson - Layout of Grave. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Certified Copies - $6 per copy x 15 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Florist / ff - family-Billed to us . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Grave-Opening/Closing- D.Craig . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Memorials Mtn Lake / . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Monument (Complete) Mn-Dy- Yr. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Newspaper Notices / Reporter * . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Newspaper Notices Intell # . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Organist Fee Katherine Keier . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Sexton / Custodian. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Transportation /1. 75/Mile Mechanicsbug . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total of Cash Advances Total of All Selections Payments Received to Dale Total Amount Due 1,640.00 595.00 485.00 240.00 420.00 125.00 170.00 60.00 1,695.00 1,050.00 75.00 50.00 90.00 222.34 485.00 55.00 175.00 252.00 174.00 100.00 45.00 157.50 3,735.00 2,745.00 1,880.84 8,360.84 1,880.00 -= 6,480.84 OU>v .~- EXHIBIT "H.A.2" LANDIS SUPERMARKET RECEIPT FOR FUNERAL LUNCH J} '0 p~ ~ \\~ 2685 Count~ Line Road Telford, PA 18969 Store: 215-723-1157 Phar~ac~: 215-723-2302 ua onllne 8 www.landla~arket.cD~ Vlalt Ple05t.' r:I,,., ~ Y"u/' B09S Before Leavin9 RefundL with This Receipt ****.*-- Your : chases Toda~ ******** DLX LARGE WI SALADS DLX LARGE W/SALAOS ITAL'LARGE W/SALAD DLX LARGE W/SALADS LETTUCE LETTUCE ~.98 Ib @ 1,99 lib WT LOCAL TOHATOES ~.29 Ib @ 1.99 lib JT LOCAL TOHATOES MAIERS SFT RYE STR DIC FAH GRN WH MAIERS SFT RYE STR DIC FAH GRN WH MAIERS SFT RYE UTZ POTATO C Reg Price: $~. 19 , Savings: UTZ POTATO C Reg Price: $~.19 , Savings: LRG VEGGIE TRAY LRG VEGGIE TRAY LARGE FRUIT TRAY LARGE FRUIT TRAY 83.95 B 83.95 B 65.~5 B 83.95 B 2.~9 F 2.~9 F 9.91 F 8,5~ F 2.69 F 2.59 F 2.69 F 2.59 F 2.69 F 3.39 F $0.80 3.39 F- $0.80 39.95 B 39.95 B 39.95 B 39.95 B Check ~our Total Savlng. below! TAX TAX EXEMPTION .... BALANCE 28.66 28.66- 621.06 45 GC LANDIS CARD Landis Supermarket Card Receipt 1 404 13 Date: 08/24/06 Ti~e: 09:00a~ A~Dunt $521.06 ***********3710 ~~12 APPROVE 128.52 012852 012852 Re~ainin9 Balance; 128.52 LANDIS CARD CHANGE TOTAL NUMBER OF ITEMS SOLD = 521 06 o 00 19 ******* Toda~ You Saved ****** Landis Sales: $1.60 Total Saved, OX: $1.60 . ..... ... ...... ...... ,.....\IVVUl.I:lwt.lroLww.ll(W:w.wwww EXHIBIT "H.A.3" KREIGEL-CRAIG BURIAL SERVICE PAYMENT RECORD R~O~e~E~fUNE~~~~O~E $riebe\.Craig. Burial. serVice cnec~it\g. . ::;"'=.5_,rY.\ i..~iQ5" '-- <//:::.'\ \,:v:,) 5699 snono06 4S5,OO ...........\ . . 1..1 \ d "'.-<>fl'Ier c'/ ,/ D-'. C",., _'" OIC, ". L.oY ~_. . v'\ \ ~ .. ""- ,.-, \ \ ~\\'c \ \-~ \ \.-> \\ .....,) $ ./':: (/ ,,/ /'c \ .(/) <1 ~ ~\ \S;/ ,,~I \~\) ("" ~ \ \) ," \ \ \ \>''' \) \ ('> \/' \,) rr> // \ ~!),o"\ \ \,./) ~ \~? . /'/"") ,.'" ./....... \ \,-) \ (~\ \, .~..:'> \) a. \..\oyd ~r~er /'--- $\\ /0\ \J) ((-- \~ (~~ (' "'-, \ \ \".> \ \ ".> '.\ '//) ,,~::../ 4S5,OO . EXHIBIT "H.A.4" SEXTON PAYMENT RECORD ANDERS-DETWEI LER FUNERAL HOME Lori Lombardo 5703. \'::::"\ \ \--) ) \, (",~/ \ \ ~vJ1 :t; \j ; r"/; ;; ,)> t,..-J Sexton @ S 1. Peter's L th . ""'" '0' H Lloyd ~tfl006 ~ ~~.\~ .. - ~.-. ;~"--"'" \\ (;,\ (~\ . \ \\ \~~~ \$) \~0 \~ 45.00 \......i r;:0 \~ (R) "'-'2 Checking ~/-'\ ("" /"' /./:\ \ ~ \.'0 I, \ C-') \\\\ ~ S .' \..> exton for H tl) , oyd Kramer 46.00 . . 51B~5-1 \2/051 EXHIBIT "H.A.5" ST. PETER'S CEMETERY PAYMENT RECORD Ray Johnson ANDERS-DETWEILER FUNERAL HOME Checking . t)lc.4~.::.1.2:'Cb) \ - --\ ! , \_';' 5700 8/20/2006 H. Lloyd Kramer 1 St. Peter's Union Cemetery I,Lay'QU~ '-'\ \ \'1 \ \ ---....\\ 'I' \ ~ "", ' \ ,-;:..') \ ~, \ I,) ,.-, \. Y-) \ \,-) ~~ ~- \j\J r/\ ~l ! t\ "" \j I .,.' _, ", U/ \..-> ............ \-~:~?}\ \ \ \,..:> H. Lloyd ~"ef __"""-1 t' ......./ \ \.........-1 \ .....".,..... \~=:::::J o I, \\~!J ,------ r::=~\ I / \ \ \ \ ) I '" "-.j../ -~-.... \"(~ ~ \ ,.~, \ \ \...> \... 50,00 (-\~ \ \ \ ., ) I \./ / , .-;/ .- 50.00 . EXHIBIT "H.A.6" HILLTOWN CEMETERY PERMIT FEE PAYMENT RECORD ANDERS-DETWEILER FUNERAL HOME HiIltown Union Cemetery (....:.,:....~'.i ,\ " \ "....~:.,,/ , ' \. \ \...~ Checking Permit Fee 5701 8/2012006 H. Lloyd Kramer / HiIltown Union Cemetery / ppnfi$..Pee \\ v.\ \ ~~;:-) \\~ \ $ \ c---;- \ \ "-.,.) \ ( v \--::? \..----' ~.., ~I [~ \) LI /......--" '. ....-'"'\ \ \\/)\ \ \"'\ \ \ \ ~,.... \.'.) -'" (........,:............~ \ \../,;> \ C/:; \..--~ \~~ \%\\) 0\-J 75.00 ~--"", \ ~\ \ ~<~~ \ \YJl \V' \~ \~ ' \) ~(C5) \ \ ri ,--. \::::~!) 75.00 EXHIBIT "H.A.7" ORGANIST PAYMENT RECORD ANU~H~U~IW~L~H~UN~HALHUM~ 5703. Kathrine Reier 8/20/2006 Organist @ 81. Peter's Lutheran for H. Lloyd ~y \\ \ \ .. . r';5\\~\ ..... \~ . ['."\ \ "-:::? \~ ~~~\) ,...--~~1 \0\ \.1 /~\\ )\ /---, t. \j $-) \ 0 \, $ ,) lS~-'v TI \ ~\" \.- \S ~,,~~~ \) '\.()~ \~) . ..~ ~.- ,. \ Organist for H~IOYd Kramer 100.00 Checking 100.00 EXHIBIT "H.A.8" NEW BRITAIN GRANITE AND BRONZE BILL CEMETERY LETTERING ESTIMATE NEW BRITAIN GRANITE & BRONZE MONUMENTS . MARKERS . LETTERING . MAUSOLEUMS 470 W. BUTLER AVE. (RT. 202) . NEW BRITAIN, PA 18901 . PHONE 215-340-9448 Lettering & Cleaning In All Cemeteries Thank You! For accepting this quotation for work to be done on your Cemetery Memorial. Date Cemetery ~ I 9- /~-~6 ~ I To-l4~('~~ ~~ /9 rf!>~~ ~, 6/W7t/ ~ ~,/7~// f\ra,f'f\(.( (FAMilY NAME NOW ON MEMORIAL) THIS ESTIMATE IS FOR INSCRIBING: ld:111..a..ct ,'f) ~ ) ( (LIST OTHER FIRST NAMES NOW ON THE MEMORIAL) ) ( I --it If1/? YEAR BORN # L~tJY ~ ( ) ) NAME ~ t:J C)~ YEAR DIED THIS ESTIMATE FOR SAND ENGRAVED LETTERING ONLY... HAND-CUT, RAISED, & SPECIAL LETTERING ARE AT SPECIAL RATE. Since 1843 we have performed monument lettering in all Cemeteries and we inspect all monuments prior to engraving to insure correctness of position and matching to the style of lettering. If this proposal meets with your approval please provide all the information you can and retum in the enclosed envelope with your payment. Your order will receive our immediate attention and we shall send a prompt confirmation. Thank YOu!~ ~ Authorized by ~ '7rJ ~-1U C '-~ Retain Yellow Copy For Your Records Account # Signature PLEASE ALLOW 10 TO 12 WEEKS FOR COMPLETION This price is complete and includes cemetery charges. COST $ J6 CJ. 00 PAYMENT (PRICE GUARANTEED 3 MONTHS) o MY CHECK ENCLOSED o PLEASE CHARGE TO: o MASTER CARD 0 AMER. EXPRESS o VISA 0 DISCOVER Exp. Date o If a monument or marker is needed, check the block and return this estimate or g7ve us a call. Jkt.II807 1 M FP 1~2 EXHIBIT "H.B. 7.1 " CUMBERLAND LAW JOURNAL BILL ] DEe 0 7 2006 CUMBERLAND LAW JOURNAL 32 SOUTH BEDFORD STREET CARLISLE, P A 17013 December 1, 2006 Cumberland Law Journal is published every Friday by the Cumberland County Bar Association and is designated by the Court of Common Pleas as the official legal publication for Cumberland County and the legal newspaper for publication of legal notices. TO: R. Leonard Davis, III, ESQUIRE Lloyd H. Kramer, ESTATE RE: Legal advertisements must be received by Friday Noon. All legal advertising must be paid in advance. Make all checks payable to: Cumberland Law Journal. ------------------------------------ ------------------------------------- Advertisement inserted on the following dates: November 17,24, December 1,2006 Advertising Cost 75.00 Proof of Publication $ 0.00 Second Proof Request $ 0.00 Payment received $ 0.00 Total Amount Due $ 75.00 Payment received by ill .:1 I JIll . ..: _..It JII I'.. .. _. '... . ~ '.:n~: 'J ' <l... ~ It ',EV"cPAPER SAU SIZE TI1\'ES RUN DfdE RE;~RENCE Dt5CRIPTION OTHER COMMENTS/CHARGES BILLED UNITS RATE AMOUNT 11/25 0001602912 ESTATE OF KRAMER/800P.:JYrafilLegals ESTAL'E~on --1:OOx19-l:;i --3-~----_n_---345~3--- DA PennLive, PNCO, Start Date: 11/1112006 57 CL 6.0567 Amount to Pay: $345.23 f;dJ~ 5qt9~3 STATEMENT OF ACCOUNT AGING OF PAST DUE AMOUNTS . . . . .. .. .. . . .. .. . .. . . . . . . . $ 345.23 I $ 0.00 I $ 0.00 I $ 0.00 $ 0.00 $ 345.23 [bt patriot-.NtWs Now you know Your sales rep is Roslyn Holton rhofton@pnco.com All Billing Inquires (717) 255-8213 Fed. 10 # 23-1304402 l::Jar" I * UNAPPLIED AMOUNTS ARE INCLUDED IN TOTAL AMOUNT . 0000285343 1M .....b:ethanY~i"age T J~S Wesley Dnve \kchanicsburg. PA 17055 Statement Date Due Date ACCOUNT NUMBER ~ 0910512006 n Upon Receipt 21913 $1,220.00 AMOUNT PAID $ Please make check payable to BETHANY ASSISTED LIVING H. LLOYD KRAMER c/o MOLLY FIDLER 19 CHARISMA DRIVE CAMP HILL, PA 17011 Remit To: BETHANY VILLAGE 325 WESLEY DRIVE MECHANICSBURG, PA 17055 Please detach and return this portion with your remittance to the address above. Comments J:.__ ."._." ._.... __..__ Balance Forward $4,231.00 08/10/06 - 08/10/06 Room Charge Decrease (10) $5.00 $(50.00) 08/11/06 - 08/31/06 Monthly Fee (21) $(141.00) $(2,961.00) TOTAL BALANCE DUE: PAC III I Y Ni (1 ~ANY ASSISTED LIVING RESIDENT NAME H. LLOYD KRAMER ACCOUNT NUMBER 2198 EXHIBIT "1.2" BETHANY VILLAGE BILL -.1(1'" ~~/ 3~~t~~;~~~,~~: \ kL'h~ll1il'shllrg. PA 170)) Statement Date Due Date ACCOUNT NUMBER 2391 09/07/2006 .!dg()rlB~.f~iPL $2,450.00 AMOUNT PAID $ Please make check payable to BETHANY SKILLED NURSING H. LLOYD KRAMER clo MOLLY FIDLER 19 CHARISMA DRIVE CAMP HILL, PA 17011 Remit To: BETHANY VILLAGE 325 WESLEY DRIVE MECHANICSBURG, PA 17055 Please detach and return this portion with your remittance to the address above. Comments PreBiII 0 .30 31 .60 61 .90 > 90 BALANCE DUE $0.00 $2,450.00 . i $0.00 .L__ $0.00 $0.00 $2,450.00 08/09/06 - 08/31/06 Monthly Fee 23 $245.00 $5,635.00 08/19/06 - 08/31/06 Monthly Fee (13) $(245.00) $(3,185.00) TOTAL BALANCE DUE: ~ /rFACllJTYN:AME ~ \ I BETHANY SKILLED NURSING RESIDENT NAME H. LLOYD KRAMER ACCOUNT NUMBER 2391 EXHIBIT "1.3" GRAND VIEW HOSPITAL BILL IMPORTANT MESSAGE FROM YOUR PHYSICIAN Thi~ bill covers o'nly the professional fee; you may also receive a separate hoSpllaJ bill Quesllons" IlOO-666-2455 Call Monday-Friday between the hours of 9:30 AM - NOON AND 100 - 500 PM EST If insurance Information or other information on this lorm is incorrect. please correct on back of return stub. MED1CARE 7 KRAMER,H LLOYD TPotNo t6S109030Aw - ...... PENNSYLVANIA BLUE SHIELD / KRAMER,H LLOYD / Pol No XZXMXZ9008637 / Group No EP574WQ YOUR ACCOUNT IS OVERDUE. FINAL BILL BEFORE COLLECTION REVIEW. 02/16/06 04/28/06 04/28/06 04/28/06 05/02/06 99284 71941 DR. SOMMERS / ER EXAM-4 PA MEDICARE CONTRACTUAL WID -MED TO P65 - NO COVERAGE SERVICE AT GRAND VIEW HOSPITAL OUR CALL VOLUME IS EXTREMELY HIGH ON MONDAY & TUESDAY. OUR AUTOMATED SYSTEM IS AVAILABLE 24 HOURS PER DAY, 7 DAYS A WEEK. 253.00 81. 68- 150.90- 20.42 q {~ I 0 ~ J f j;{ji1 . . . . GRV00000763402 .. PAY THIS AMOUNT .. 20.42 ALERT PHARMACY SVS., INC. 5225 WILSON LANE MECEANICSBURG,PA 17055 A FINANCE CHARGE OF 1.50 % PER MONTH (AN ANNUAL PERCENTAGE RATE OF 18.0%) WILL BE CHARGED ON ALL AMOUNTS 30 DAYSu OR MORE PAST.. DUE STATEMENT OF ACCOUNT :STATEMENTglWNE: 717-796-0442 08 20 2006 IF YOU RECEIVE A NEW INSURANCE CARD FOR YOUR PRESCRIPTIONS BE SURE TO SUPPLY US WITH A COPY. PMT DUE. .09 15 06 KRAMER, H. LLOYD C/O MOLLY FIDLER 19 CHARI SMA DRIVE CAMP HILL PA 17011 PLEASE DETACH HERE AND RETURN TOP PORTION WITH YOUR PAYMENT KRAMH GRP-WE PAGE 1 AMOUNT PAID ** ACTIV TY FOR 08/08/06 1 08/10/06 6246449 113 08/11/06 6247135 1 H. LLOYD pymt- - 00147656 CALMOSEPTINE OINT MAGIC BULLET SUPP 01 * 01 8.34- 6.78 69.20 .00 .00 8.34 6.78 ' 69.20 & f\\i \O~ :y ct LP ..1' II 6q ?o II () 78 I LEGEND NON-LEGEND FOR MONTH FOR MONTH ~~I:I'II:~:'\."ll~~i + r:'\::~f:;:'[']11l:1 + i;llr'm~::'m~l=r('}'~'.~:':{~:). rl'lI'\~~:II'J~~~:;~~:I~lll~1 ~ 75.98 EXHIBIT "1.5" PNC OUTSTANDING CHECKS Account Statement Q For 24-hour information, Sl on pnc.com. Bank Online Banking For the period 07/27/2006 to 08/25/2006 H LLOYD KRAMER Primary account number: 50-0489-3961 Page 2 of 2 Senior Checking Plan Regular Checking Account Summary Account number: 50-0489-3961 H Lloyd Kramer Doris P Bossert Marlene C Fidler Balance Summary Please see the Activity Detail section for additional information. Beginning balance 638.68 Deposits and other additions 7,572.12 Checks and other deductions 1,148.81 Ending balance 7,061.99 Average monthly balance 2,988.49 Charges and fees .00 Transaction Summary Checks paid/ withdrawals Check Card POS signed transactions Check Card/Bankcard POS PIN transactions 6 o o Total ATM transactions PNC Bank ATM transactions Other Bank ATM transactions o o o . Activity Detail Deposits and Other Additions Date Amount Description 08/03 1,225.00 Direct Deposit - Soc Sec US Treasury 303 XXXXX9030A Deposit Reference No 026710440 7/ Deposit Reference No 026710443-.;;l1 t- ,;)..a./. Deposit AcUmt Reference No 026710444- There were 4 Deposits and Other Additions totaling $7.572.12. 08/18 08/18 08/18 4,815.26 1,478.56 53.30 t" 19"-sr + q<t~.Q) Checks and Substitute Checks Check Date Reference Check number Amount paid number number 102 145.00 07/28 024666687 107 \04* 33.87 08/03 024605664 109 * \06* 73.36 08/08 0267935'16 110 Date Reference Amount paid number 8.34 08/14 029129080 388.24 08/22 026509667 500.00 08/25 027499216 * Gap in check sequence There were 6 checks listed totaling $1.148.81. Daily Balance Detail Date 07/27 07/28 Balance 638.68 493.68 Date 08/03 08/08 Balance 1,684.81 1,611.45 Date 08/14 08/18 Balance 1,603.11 7,950.23 Date 08/22 08/25 Balance 7,561.99 7,061.99 PNC has a new address on the Web. Visit pnc.com for all your banking needs. Financial decisions are complex. You need information that isn't. Get answers to all your personal and business banking questions at pnc.com. New look. Easier to use. More information. Same great destination on the Web. Take a tour today. pnc.com. EXHIBIT "1.6" GRAND VIEW HOSPITAL BILL -.;,Ii-.-----~,----,--~ .~ ..:: fc:: 209 Q).... "02 .... c:: '- Q) 'Q)E C::::J (I) 0 .00 0"0 ~c:: (I) CO :>- -00.. CO... (I) ::J -Sg, ....0 0_ ::e !a -. 0) - c:: ::)=0 ; ~ .... _ 0 " , 0"' , Of CO " c::" < ,9 (f) U D J (ij... Q)~ Q.0 ,Q. ... "'co 'rc:: ,'~ ,':co co" o (1)- - a.. " :;:: oaS ""':'E (1)"- ;::...... co.... "0 0 0"0 ~oo Q) ~ ~a.cti -c ... en (l)"S :J 0)- :) C en ~ 0 E -:.= c:: r;; o. ~ Q( ::> : o c '- or 0)-.' co Q; .... Q) , o ~ a;.2< -0 ' E ::J ' (1)0"1 ~ >- f <;: en - coot c:: ::, f:1: 0 0 co ,u -- ::J C/).q: co o '- >. <E is ....wQ) --LL.. I , I t ~ MESSAGL Your insu ,shown is " payment :p'eas~ cc "':~t..>l:~:.'< ;: oJ. ".~::~~r.,j,:~~,;,: c u ;....... (7': :; [ Po~9~,~W~B~Rr9~""~~)IF .'I\~Y .ou~~,!O N"~l<)}: .-jL \ fJ. ~('1 ~-* 0'0\ e company has responded and the balance ) from you. If yoU are interested in making ngements, or need other assistance, :t 215-453-4896. \ ACCOUNT BALANCE PLEASE PAY THIS AMOUNT PA.~~.NU ~/:~E,~::::::}\:: 1 PO~J'~.Y: "-'.0:.: '..). AMOIJNJ\ 100.88 ,3247.00 151.34- 2994.78 100.88 o Federal Tax lD 23-1352181 "" nc ^ r.r.OUNT '" -- GRVH 070105-00477-000 .""..,...,-".,"..- Form 1040 (2006) H LLOYD KRAMER 165-10-9030 Page 2 Tax and 38 Amount from line 37 (adjusted gross income) .... .............. ................................... --........ ................... 38 28 322. Credits 39a Check { [X] You were born before January 2,1942, D Blind. } Total boxes ... 39a I Standard if: D Spouse was born before January 2, 1942, DBlind. checked 1 Deduction for - ... . Peopla who b If your spouse itemizes on a separate return or you were a dual-status alien, see page 34 and check here ...... ... 39b D checked any 40 Itemized deductions (from Schedule A) or your standard deduction (see left margin) 40 6,400. box on line 39a . ..... .......--............... or 39b or who 41 Subtract line 40 from line 38 41 21 922. can be claimed ...................................-................................................ . .... ............... as a dependent 42 If line 38 is over $112,875, or you provided housing to a person displaced by Hurricane Katrina, see page 36. Otherwise, multiply $3,300 by the total number of exemptions claimed on line 6d ........... ........... . 42 3,300. 43 Taxable income. Subtract line 42 Irom line 41. If line 42 is more than line 41, enter -0- .... ............. ,- . . . . . . . . . . . . 43 18 622. . All others: 44 Tax. Check if any tax is from: a D Form(s) 8814 b D Form 4972.................. 44 2,046. ................................. Single or 45 Alternative minimum tax. Attach Form 6251 45 Married filing ..........,................... ....-........... . ....... ... .......................... separately, 46 Add lines 44 and 45 ..............................................,......................................... ~ 46 2,046. 55,150 ..... ........ ......... Married filing 47 Foreign tax credit. Attach Form 1116 if required .... ........... ............ ...... 47 3. jointly or 48 Credit for child and dependent care expenses. Attach Form 2441 ..... .......... 48 Oualifying 49 Credit for the elderly or the disabled. Attach Schedule R .................. 49 widow(er). ........... 510,300 50 Education credits. Attach Form 8863 50 .................... . .......................... ..... Head of 51 Retirement savings contributions credit. Attach Form 8880 51 household, ........................ 57.550 52 Residential energy credits. Attach Form 5695 52 ............................ . ..........-- 53 Child tax credit (see page 42). Attach Form 8901 if required ........................ 53 54 Credits from: a D Form 8396 b D Form 8839 c D Form 8859 54 55 Other credits: a D Form 3800 b D Form 8801 c D Form - 55 56 Add lines 47 through 55. These are your total credits ..................... .......................... ..............-............. 56 3. 57 Subtract line 56 from line 46. If line 56 is more than line 46 enter -0- ..... ....... ....... .... ........... ..... ........... . 57 2,043. Other 58 Self-employment tax. Attach Schedule SE ................... ................................ .................. ......... ............. 58 Taxes 59 Social security and Medicare tax on tip income not reported to employer. Attach Form 4137 .. ... ...... ... ....... ...... 59 60 Additional tax on IRAs, other Qualified retirement plans, etc. Attach Form 5329 if required .............................. 60 61 Advance earned income credit payments from Form(s) W-2, box 9 ....................... ..... .............................. 61 62 Household employment taxes. Attach Schedule H .......................................... ......... ............................ 62 63 Add lines 57 through 62. This is your total tax ...... ......... ........... ........ ............ ......... .......... ............ . 63 2,043. Payments 64 Federal income tax withheld from Forms W-2 and 1099 ............................. . 64 65 2006 estimated tax payments and amount applied from 2005 return ............ 65 750. ~ you have 66: ~~:::ai:l:oc~~~:~~~:~I~~t;~~"::.:::::." '~'l'~'~~' i"............................... 66a a quellfying child, attach Schedule Etc. 67 Excess social security and tier 1 RRTA tax withheld (see page 60) 67 ............... 68 Additional child tax credit. Attach Form 8812 ............................................. 68 69 Amount paid with request for extension to file (see page 60) ........... ..... ....... 69 70 Payments from: a DForm 2439 b DForm 4136 c DForm 8885 70 71 Credit for federal telephone excise tax paid. Attach Form 8913 if required ...... 71 30. 72 Add lines 64 65 66a and 67 throuah 71. These are vour total Davments ......... ...-........ ......-............. . 72 780. Refund 73 If line 72 is more than line 63, subtract line 63 from line 72. This is the amount you overpaid......................... 73 Direct deposit? 74a Amount ofline 73 you want refunded to you. If Form 8888 is attachedA check here ............. ........... ~"n 74a See page 61 Routing I I D D ccoun~ I and fill in 74b. 74c, end 74d. ~ b number ~ C Type: Checking Savings ~ d number or Form BBBB. 75 Amount of line 73 vou want aODlied to vour 2007 estimated tax ......... . 75 Amount 76 Amount you owe. Subtract line 72 from line 63. For details on how to pay. see page 62 .......................... ~ 76 1,305. You Owe 77 Estimated tax oenaltv (see oaae 62) .......................................................1' 77.' 42. Third Party Do you want to allow another person to discuss this return with the IRS (see age 63)? [X] Yes. Complete the following. LJNo Designee Sign Here Joint return? See page 17. Keep a copy for your recads. Oesignee's"",- PRE PARER p~one ""'- Personalldentificetion ""'- name r- no. r- numberlPlNI Jr Under penallies of p...jury, I declare that I have examined this return and accompanying schedules and statements, and to the best of my knowledge and belief. they are true, correct, and complete. Declaration of prepar... (oth...than taxpeyer) is based on all information of which preparer has any knowledge. Your sigT AXP A YER 0 P our occupation Dayt""e phone number ~ Spouse's signature. If a joint return. both must sign. Paid Prepar....s Preparer' s signature Use Only Finn's name (or your. if self-em- 61 0002 ployed~ address. t 1-07 -06 and ZIP code ~ . Spouse's occupation TT STREET PA 17110 Preperer's SSN or PTIN CRYSTAL U ~ 110 BERGNER HARRISBURG P00448207 25:1735300 Phonen0717. 737.7231 E 1 041 Department of the Treesury ..f . Internal Revenue Service u.s. Income Tax Return for Estates and Trusts 2006 For calendar ear 2006 or fiscal ear be innin ,2006 and endin A Type of entity: Name of estate or trust (If a grantor type trust, see page 12 of the instructions.) D Decedent's estate D Simple trust [X] Complex trust D Qualified disability trust D ESBT (S portion only) D Grantor type trust D Bankruptcy estate-Ch. 7 D Bankruptcy estete-Ch. t 1 D Pooled income fund AMP HILL PA 17011 B No. of Sch K-1 F ~~~R~ble [X] Initial return D Final return attached boxes: Chan e in fiducia G Pooled mort a e account see a e 14 of the instructions: D Bou ht 1 Interest income ............ ........ ............. ........................... ..... ......... .... .... SEa... STATEMENT.. ..1...... 2 a Total ordinary dividends .. .... ...... .......... ..... ...... ........ ............. ................. SJ::J::... STATEMENT... 2. ..... b Qualified dividends allocable to: (1) Beneficiaries O. (2) Estate or trust 445 . 3 Business income or (loss). Attach Schedule C or C-EZ (Form 1040) ......... ....................................... 3 4 Capital gain or (loss). Attach Schedule D (Form 1041) ........................................... ................................... 4 5 Rents, royalties, partnerships, other estates and trusts, etc. Attach Schedule E (Form 1040) .................................. 5 6 Farm income or (loss). Attach Schedule F (Form 1040)..... ........... ..... ........ .. ................. .. .......... .......... ......... 6 7 Ordinary gain or (loss). Attach Form 4797 . ...... ....... .... ................... ...... .............. ........ ............... .............. 7 8 Other income. List type and amount SEE STATEMENT 3 8 9 Total income. Combine lines 1 2a and 3 throu h 8 ......................... ............. ................................ 9 10 Interest Check if Form 4952 is attached ~D.. .............................. .................................................... 10 11 Taxes .............. ........ ................... ............... ................ ........ .................... ....... ................. ...... ....... ........ 11 12 Fiduciary fees ...... ........ ..... .... .................................. ... ... ..... ...... ......... ..... ......... .... ... ....... ........ ........... ........ 12 13 Charitable deduction (from Schedule A, line 7) ..... ....... .............................. ........ .............. ..... .............. ......... 13 14 Attorney, accountant, and return pre parer fees ............ ...... .............. ............. ............ ........... ............ ............. 14 15 a Other deductions not subject to the 2% floor (attach schedule) ........................ .............................................. 15a b Allowable miscellaneous itemized deductions subjectto the 2% floor ............ ..................................................... 15b 16 Add lines 10 through 15b ....................................... ........... .................... ............................................... ~ 16 17 Adjusted total income or (loss). Subtract line 16 from line 9............................. 17 46 265. 18 Income distribution deduction (from Schedule B,line 15). Attach Schedules K-1 (Form 1041) ............................... 18 19 Estate tax deduction including certain generation-skipping taxes (attach computation) .......................................... 19 20 Exemption ..................... ............................ .................... ....................... ....................... ........... ............... 20 21 Add lines 18 throu h 20 ..................................................................................................................... 21 22 Taxable income. Subtract line 21 from line 17.11 a loss, see page 20 of the instructions ......................................... 22 23 Total tax (from Schedule G. line 7) ............ ....... ........ ....... ......................... ................. ...... ..... ........... ........ 23 24 Payments: a 2006 estimated tax payments and amount applied from 2005 return ................................................... 24a b Estimated tax payments allocated to beneficiaries (from Form 1041-T) ............................................................... 24b c Subtract line 24b from line 24a .................................................................................................................. 24c d Tax paid with Form 7004 (see page 20 of the instructions) ........ ....... ............. .... ........ ................ ..... ......... ...... 24d e Federal income tax withheld. If any is from Form{s) 1099, check ~ D................................................... 24e f Credit for federal telephone excise tax paid. Attach Form 8913 ................................................................... ........ 24f Other payments: g Form 2439 ; h Form 4136 ; Total ~ 24i 25 Total payments. Add lines 24c through 24f, and 24i ................................................................................. ~ 25 26 Estimated tax penalty (see page 20 ofthe instructions) .................................................................................... 26 27 Tax due. If line 25 is smaller than the total oflines 23 and 26, enter amount owed ............... ...... ............... ............... 27 28 Overpayment. If line 25 is larger than the total of lines 23 and 26, enter amount overpaid ........ .......... .............. ....... 28 29 Amount of line 28 to be: a Credited to 2007 estimated tax . b Refunded 29 nder pena lies 0 p~, e that I have exermned IS return. 'nclut;P'n accomrrn. ing schedules and statements, an to e best my knowle ge Sign and belief, it is true, I. ~er ased on all Information of which preparer ha:~ s any knowledge. Here ~ '" II;. R Signature of fiduciary or resenting rlduciary ate .duc ary a . financial institution DMB No. 1545-0092 C Employer identification number 20~7076552 LLOYD KRAMER TR UA 12 03 2001 D Date entity created 12 23 2001 & DORIS BOSSERT E Nonexempt charitable and split- interest trusts, check applicable boxes (see pg 13 of the instr.): D Described in section 4947(aX1) D Not a private foundation D Described in section 4947 a 2 D Change in trust's name Chan e in fiducia 's address Numbar, street, and room or suite no. (If a P.O. box, see page 12 oftha instructions.) 2 438. 629. 1 2a Q) E o u .5 3 2-20. 44 781. 51 068. 4 803. UI r:: o +l u ::I 'C Q) C 4 803. 46 14 100. 100. 165. 504. UI 'E Q) [ III 0- 'C r:: III )( III I- 258. 14 762. May the IRS discuss this return with 1he preperer shown below (see instr.)? Yes No Preparer's sign.ture Preperer's SSN or PTlN P00448207 EIN 25 ~ 1735300 Paid Preparer's F~m's name (or ..... CRYST Use Only yours K self-employed), ,.. 11 0 BERGNER address, and ZIP code JWA HARRISBURG 02-05.07 For Privacy Act and Paperwork Reduction Act Notice, see the separate instructions. Phone no. 717.737.7231 Form 1041 (2006) .-J 0600212005 PA-4Q - 2006 Social Security Number L 165109030 Name(s) H LLOYD KRAMER (DEC. 08/19/06) 12 PA Tax Liability. Multiply Line 11 by 3.07 percent (0.0307). 13 Total PA Tax Withheld. See the instructions. 14 Credit from your 2005 PA Income Tax return. 15 2006 Estimated Installment Payments. 16 2006 Extension Payment. 17 Nonresident Tax Withheld from your PA Schedule(s) NRK-1. (Nonresidents only) 18 Total Estimated Payments and Credits. Add Lines 14, 15, 16, and 17. Tax Forgiveness Credit. 19a Filing Status: 01 Unmarried or Separated 02 Married 03 Deceased 19b Dependents, Part B,line 2, PA Schedule SP 20 Total Eligibility Income from Part C, Line 11, PA Schedule SP. 21 Tax Forgiveness Credit from Part D, Line 16, PA Schedule SP. 22 Resident Credit Submit your PA Schedule(s) G-S/G-L and/or RK-1. 23 Total Other Credits. Submit your PA Schedule OC. 24 TOTAL PAYMENTS and CREDITS. Add Lines 13 and 18,21,22, and 23. 25 TAX DUE. If Line 12 is more than Line 24, enter the difference here. 26 Penalties and Interest. See the instructions. If attaching form REV-1630, mark the box. Y 27 TOTAL PAYMENT. Add Lines 25 and 26. 28 OVERPAYMENT. If Line 24 is more than the total of Line 12 and line 26, enter the difference here. The total of Lines 29 through 35 must equal Line 28. 29 Refund -- Amount of Line 28 you want as a check mailed to you. Refund 30 Credit -- Amount of line 28 you want as a credit to your 2007 estimated account. 31 Amount of Line 28 you want to donate to the Wild Resource Conservation Fund. 32 Amount of Line 28 you want to donate to the Military Family Relief Assistance Program. 33 Amount of Line 28 you want to donate to the Governor Robert P. Casey Memorial ~ Organ and Tissue Donation Awareness Trust Fund. 34 Amount of Line 28 you want to donate to the Juvenile (Type 1) Diabetes Cure Research Fund. 35 Amount of Line 28 you want to donate to the Breast and Cervical Cancer Research Fund. Your sioTAXP AVER Preparer's Name and Telephone Number CRYSTAL U HACKETT~ 717.737.7231 ~ Page 2 of 2 L 0600212005 12 13 14 15 16 17 18 19a 03 19b 00 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 229 o o o o o o 7459 137 o o 137 92 o 92 o o o o o o o o Firm EIN Preparer's SSNIPTIN 251735300 P00448207 0600212005 ~ AP ...J 0604113076 L PA-41 - 2006 Pennsylvania Fiduciary Income Tax Return ENTER ONE LETTER OR NUMBER IN EACH BOX. Do Not Use Your Preprinted Label 207076552 CAMP HILL PA 17011 N Extension Enclosed. Y..Yes N..No N Amended PA-41 Y..Yes N..No N Fiscal Year Filer. Y=Yes NaNo from to R Residency Status. R..PA Resident N..Nonresident If 'N' Name of State N F..Final return. NaNo Final Return. Enter Ending Date: N Do You Want a 2007 PA-41 Booklet? Y..Yes N..No H LLOYD KRAMER TR UA 12/03/2001 MARLENE FIDLER & DORIS BOSSERT 19 CHARISMA DR Y 1 PA TAXABLE INTEREST INCOME. See instructions. 1 2438 2 PA TAXABLE DIVIDEND INCOME. See instructions. 2 629 3 NET INCOME or LOSS trom the Operation ot a Business, 3 0 Protession, or Farm. 4 NET GAIN or LOSS trom the Sale, Exchange, or Disposition ot Property. 4 3220 5 NET INCOME or LOSS from Rents, Royalties, Patents, or Copyrights. 5 0 6 ESTATE or TRUST INCOME. 6 0 7 TOTAL TAXABLE INCOME. Add only the positive income from 7 6287 lines 1,2, 3, 4, 5, and 6. Do not add losses. 8 DEDUCTIONS trom PA SCHEDULE DO. 8 0 9 NET PA TAXABLE INCOME. Subtract Line 8 from Line 7. 9 6287 10 TOTAL PA TAX LIABILITY. Multiply Line 9 by the tax rate of 3.07% (0.0307). 10 193 11 2006 ESTIMATED PAYMENTS and CREDITS. See instructions. 11 0 12 NONRESIDENT TAX WITHHELD trom PA SCHEDUlE(S) NRK-1. 12 0 13 TOTAL CREDIT tor TAXES PAID by PA RESIDENT ESTATES or TRUSTS 13 0 to OTHER STATES or COUNTRIES. 14 TOTAL OTHER CREDITS from PA Schedule OC. 14 0 15 2006 PAYMENTS and CREDITS. Add lines 11, 12, 13 and 14. 15 0 16 TAX DUE. If Line 10 is more than Line 15, enter the difference here. 16 193 674251 11-01-06 EC Page 1 of 2 FC L 0604113076 CD D:IIIIJ [I] 0604113076 --.J o Board Certified Civil Trial Attorney * Also Member of New Jersey Bar LAW OFFICES 0~~&0~ A PROFESSIONAL CORPORATION SUITE 15 BAILIWICK OFFICE CAMPUS P.O. BOX 1306 DOYLESTOWN, PENNSYLVANIA 18901-1306 (215) 348-2088 FAX: (215) 348-7069 dhd@dhdlaw.com 123 North 5th Street Allentown, Pennsylvania 18102 (610) 433-3910 Peter M. Hileman 0 Jeffrey A. Drake R. Leonard Davis III Jonathan J. Russell * Thomas A. Blackburn Jeffrey J. Baxter * 720 Washington Street Easton, Pennsylvania 18042 (610) 258-9493 1285 North Ninth Street Stroudsburg, Pennsylvania 18360 (570) 421-8119 File# 5949-3 May 17,2007 Register of Wills Cumberland County Courthouse One Courthouse Square Carlisle, P A 17013-3387 j~? -:: '. ) f'-."; L, RE: Estate of H. Lloyd Kramer o(o-o~ r0 Dear Sir or Madam: r,) Enclosed for filing please find the original and one copy of the Pennsylvania Inheritance Tax Return for the above mentioned Estate. I have also enclosed the cover page, to be time- stamped and returned to our office in the envelope provided. Thank you for your attention to this matter. Very truly yours, ~.~ Linda Gouldey Assistant to R. Leonard Davis, III Ene. cc: Marlene Fidler and Doris Bossert, Co-Executrices ~-y "=' 'Qdsn ~~~ .:.. ~ ]1.1 ti i13 ~- 0 ~ -1 (\J .~ -. E . " e ~ u. 1 in-g , 0 :: co liE oauN 5; liJ .. .~ "'l ...., U~ ~~ ~ l'fo) ~~ -., ::'.J. . I' ~~.. ~ :::::s ~ ~~\Q~ """l~~...., ~~~~ ~U~Q.; ~~~~.. ~~~Q ~~~~ ~c f:j ~..~ N t<~ ~ ~~ ~ ~~ ~ ~ ~ = o .:: - I. = o QI t-- UI.QC =f'f) c=f'f) =g~ ~ = ~ 1""11 - 0 ~ Q ==U=t-- ~"O~< ~ = - 1'\. 0=1._ 1.1: = ., ~ ~ 0 ~ ~ ..Q U .~ .. == ~ 1: if=== ~UOU .. o Eo-