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Home My WebLink About07-26-07 IN RE IRREVOCABLE TRUST OF DORIS W. POTE IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA (ORPHANS' COURT DIVISION) NO. [0'0 , YEAR 2007 PETITION 1. Doris W. Pote, as Grantor, entered into an Irrevocable Agreement of Trust with CCNB Bank, N.A., as Trustee, on March 21, 1991. Copy of the said Agreement is attached hereto, made a part hereof and marked Exhibit "A". 2. Under the terms of the said Agreement of Trust, Grantor conveyed all her right, title and interest in certain personal property, including life insurance policies, (the "property"), a description of which is attached hereto as Exhibit "B" and incorporated herein by reference. Grantor contributed the property and desired that it be held in trust to provide for the benefit of Grantor's children and grandchildren under standards set forth therein. 3. CCNB Bank, N.A. subsequently merged into PNC Bank, N.A~ 4. Darlene Pote Fuller, Denise PoteMurphy and PNC Bank, N.A., ("Trustee") have agreed that the Trustee should resign, and Darlene Pote Fuller, Denise Pote Murphy and Michael Cherewka, Esquire, Wormleysburg, Pennsylvania, have agreed that ,Michael Cherewka, Esquire, should becomeSuccessot Trustee under the said TrustAgreement. PNC Bank, N.A., as Trustee, has prepared and will deliver to Michael Cherewka, Esquire, as Succe$sor Trustee, if the prayer ofthisPetition is granted, all right, title.and interest in the hereinbefore described property, being the only assets held byPNC Bank, N~A. under the said 'Trust Agreement. 5. Darlene Pote Fuller and Denise Pote Murphy, PNC Bank, N.A., Trustee, and Michael Cherewka~ Esquire, as Successor Trustee, have agreed that no purpose would be served by PNC B,,*, N.A., Trustee, filing an account for the period in which it acted as Trustee l1I1der the aforesaid Agreement, and all parties desire that this Honorable Court specifically waive the necessity of filing an account. 6. Darlene P()te Fuller and Denise Pote Murphy have agreed to indemnify PNC Bank, N.A. against any and all claims arising out of the services rendered by PNC Bank, N.A. as Trustee under said Trust Agreement, in accordance with the terms and conditions of the Release and Indemnification Agreement attached hereto as Exhibit "c" and made a part hereof. (' \ I \ \ 1.J; I .-' r ..... S~ \.11 --~ ...... \".-- , r' '~"" ...-. 04/09/07 ~;~. _.\ ~~ -~:'-;~'I-:' ,\, j~\32i:,j::J :IJJ<J\...-vV~'~ WHEREFORE, the undersigned respectfully request this Honorable Court (a) to approve the resignation ofPNC Bank, N.A. as Trustee under the said trust; (b) to approve the appointment of Michael Cherewka, Esquire as Successor Trustee in the said trust; (c) to waive the requirement that PNC Bank, N.A. file an account of its activities as Trustee upon its executing and delivering to Michael Cherewka, Esquire title to assets described in Exhibit "B" of the aforementioned Trust Agreement; (d) to approve the cancellation by PNC Bank, N.A. of any powers or duties given them under the said Trust Agreement, and to approve the imposition of the said powers and duties arising from the said Trust Agreement upon Michael Cherewka, Esquire, Successor Trustee, (e) to approve the Release and Indemnification Agreement attached hereto as Exhibit "C" and made a part hereof, and (f) discharge PNC Bank, N.A. from any and all liability for the administration of the Trust, except as provided in the Release and Indemnification Agreement. Dated: ~2/,~1 WITNESS: rfJ~ .M -e'L ~ q Ip (}pi) ~ {( yadU &J1b-P~ ;;:~ l1arlene Pote Fuller 71~ JJm, ~ Denise Pote Murphy 6- ATTEST: PNC BANK, N.A., (Trustee) By p~ ~. ;L1 Ass,' s..~ ~ C..\..L~ By.~'M LI~:c~ WITNESS: MICHAEL CHEREWKA, (Successor Trustee) (0t/u ~~ Michael Cherewka, Esquire 04/09/07 2 IN THE MATTER OF THE IRREVOCABLE TRUST OF DORIS W. POTE IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION : NO. '7ofJ YEAR 2007 RELEASE & INDEMNIFICATION WHEREAS, Doris W. Pote, as Grantor, entered into an Irrevocable Agreement of Trust with CCNB Bank, N.A., as Trustee, on March 21, 1991. WHEREAS, Under the terms of the said Agreement of Trust, Grantor conveyed all her right, title and interest in certain personal property, including life insurance policies, (the "property"), to be held in trust to provide for the benefit of Grantor's children and grandchildren under standards set forth therein. WHEREAS, CCNB Bank, N.A. subsequently merged into PNC Bank, N.A. WHEREAS, Darlene Pote Fuller and Denise Pote Murphy and PNC Bank, N.A., ("Trustee") have agreed that the Trustee should resign, and Darlene Pote Fuller and Denise Pote Murphy and Michael Cherewka, Esquire, Wormleysburg, Pennsylvania, have agreed that Michael Cherewka, Esquire, should become Successor Trustee under the said Trust Agreement. PNC Bank, N.A., as Trustee, has prepared and will deliver to Michael Cherewka, Esquire, as Successor Trustee, if the prayer of this Petition is granted, all right, title and interest in the hereinbefore described property, being the only assets held by PNC Bank, N.A. under the said Trust Agreement. WHEREAS, Darlene Pote Fuller and Denise Pote Murphy, PNC Bank, N.A., Trustee, and Michael Cherewka, Esquire, as Successor Trustee, have agreed that no purpose would be served by PNC Bank, N.A., Trustee, filing an account for the period in which it acted as Trustee under the aforesaid Agreement. WHEREAS, Darlene Pote Fuller and Denise Pote Murphy, ("Beneficiaries") have agreed to indemnify PNC Bank, N.A. 04/09/07 NOW, THEREFORE, the parties hereto agree as follows; 1. BENEFICIARIES release TRUSTEE from liability for any and all claims relating to the administration of the Trust, except for the Agreement between the Beneficiaries and Trustee regarding the lapse of Southwestern Life Insurance Policy No. 6002366396, as set forth in letter dated February 18,2003 from Carrie M. Vogelsong ofPNC to George G. Pote, attached hereto as Exhibit C-1 and made a part hereof, which Agreement shall continue in full force and effect. 2. BENEFICIARIES waive the preparation and filing of a formal account with the Orphans' Court of Cumberland County, Pennsylvania, for all actions ofthe TRUSTEE to and including April 30, 2007. 3. The TRUSTEE agrees to deliver to SUCCESSOR TRUSTEE the assets set forth on Exhibits C-2 and C-3 attached hereto and made a part hereof, representing all of the remaining assets in the Trust. 4. BENEFICIARIES, in consideration of the agreement herein contained shall indemnify and hold harmless TRUSTEE from all claims related to the administration of the Trust. 5. BENEFICIARIES acknowledge that this Agreement is entered into without compulsion and acknowledge that this Agreement is supported by good and valuable consideration. 6. BENEFICIARIES and TRUSTEE acknowledge that this Release and Indemnification contains all of the understandings of the parties that it may be executed in counterparts; and that it shall be interpreted, if necessary, and controlled by the laws of the Commonwealth of Pennsylvania. 2 04/09/07 IN WITNESS WHEREOF, BENEFICIARIES and TRUSTEE execute this Release and Indemnification, intending to be legally bound hereby, this ~ day of ~ 2007. ATTEST: PNC BANK, N.A. (TRUSTEE) By: p~j.U A~'S~s.~ ~~ BY:~~~-( - AVP WITNESS: BENEFICIARIES: ~.{taT~ Darlene Pote Fuller 04/09/07 3 Mrs. Darlene P Fuller 5310 Night Roost Court Columbia, MD 21045 Mr. George G. Pote 706 Middle Lane Camp Hill, PA 17011 Mrs. Denise P Murphy 543 Springhouse Road Camp Hill, PA 17011 PNC Bank, N.A. Attention: Carrie Vogelsong Post Office Box 308 Camp Hill, PA 17001-0308 IRREVOCABLE TRUST OF DORIS W. POTE NOTICE TO BENEFICIARIES This shall constitute notice, pursuant to Section 7780.3 (g), (d), (e) & (t) of the Pennsylvania Estates and Fiduciaries Code, that PNC Bank, N.A. intends to resign as Trustee of the Irrevocable Trust of Doris W. Pote, and a Petition is being filed to name Michael Cherewka, Esquire as Successor Trustee. ~~ Michael Cherewka DATED: 30 APRIL 2007 04/09/07 4 IRREVOCABLE TRUST OF DORIS W. POTE CONSENT TO PETITION The undersigned, the C 1'1 rr: e lI'l V o~ "konf ofpNC BANK, N.A., does hereby execute this Consent to the attached Petition, here y certIfymg that he/she has the authority to sign this Consent on behalf ofPNC Bank, N.A. I A.1- Af'1 Executed this day of /J'f.4 N .A., its successors and assigns. 1 ,2007, and binding upon PNC Bank, ATTEST: PNC BANK, N.A. By: p~~.U A ~"i>, ~~. 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OC\l 01 0,... <C\I (/) I- Z Lo.I(/) EI-(/) I-ZI- (/)Lo.IZ Lo.IELo.I >I-E Z(/)I- -Lo.I(/) >Lo.I ...JZ> <-Z ll.. -Lo.I OE..J ZO< -01- a:zO ll..-I- ( ml) ~:~~ IRRE\lOCI\B[E ~ OF 'IHET rc 'JlITS ~. made arxi entered into as of the ~ \ ---day of (h!'YliC;f , 1991, by arxi between OORIS W. rom of 706 Middle lane, Canp Hill. Pennsylvania 17011 (the "Grantor"), arxi CCNB Bank, M.A., a Pennsylvania Banking Company, with offices at 2101 Market street, Canp Hill, PA 17011 (the "Tn1stee"). WI'INESSElH: WHERE1\S. Grantor owns certain personal property, including life insurance policies, (the "Property"), a description of which is attached hereto as Exhibit A arxi incorporated herein by reference; arxi WHERE1\S. Grantor is herewith contributing the Property arxi desires that it be held in trust to provide for the benefit of Grantor's children arxi grandchildren under standards hereinafter set forth. ~ ~~. in consideration of the mutual covenants arxi agreements herein cOntained, INTENDillG 'IO BE I.EX;ALLY InJND HEREBY, it is agreed by arxi between the parties hereto as folla.vs: ARI'ICI:E I: Grantor or any other party or person from time to time may make the Property or additional stocks, securities, cash or other assets (collectively with the Property, the "Assets"), subject to the terms of this Agreement, by transfer during his or her lifetime or by his or her Will. ARI'ICLE II: Upon receipt by the Trustee of the Property or other Assets, or of any proceeds or funds from or on account of such Property or Assets, the Trustee shall hold, administer arxi distribute said assets, proceeds arxi funds, ill TRUsr NEVERIHElESS, under the following terms arxi conditions: '!he Trustee shall divide the Assets into two (2) equal shares or parts. '!he Trustee shall hold one such share as a separate Trust Fund for the benefit of each of the children of Grantor: one Trust to be known as the Orrlene IUte Fuller Trust arxi the other Trust to be known as the Denise IUte Murphy Trust. I. IWU.mE rom FUllER mET (a) In the Trust thus established for Orrlene IUte (t{ Fuller, the Tl::u..<;tee shall have, hold, manage, invest arxi I~I} II[I~~P reinvest the principal thereof, collect the income arrl shall pay quarterly to or for the benefit of Il:rrlene Pote FUller all the net incane of the Trost. '!he Trostee may also, on a quarterly basis, pay so IlIUch of the principal of said Trost to Il:rrlene Pote Fuller as the Trostee, in the Trostees' sole discretion, shall deem necessary arrl appropriate to maintain said child in the proper station in life, including proper support, maintenance, medical, hospital, nursing arrl nursing home care, arrl postgraduate or other education expenses, including any expenses incurred by Il:rrlene Pote FUller, for the college, university, postgraduation or other education of any issue of Il:rrlene Pote FUller. (b) Upon Il:rrlene Pote FUller's attaining the age of sixty-two (62) years of age, then upon the written request of Il:rrlene Pote FUller, the Trostee shall pay to Il:rrlene Pate Fuller all the renaiI1ing assets of this Trust. (c) Should Il:rrlene Pote Fuller die before final distribution of the assets of said Trust, but be sw:vived by then living issue, the Trustee shall quarterly pay the net income from said Trust to or for the benefit of said issue, per stirpes, living at each tine of quarterly distribution. Twenty (20) years following the death of Il:rrlene Pote FUller, all of the then remaining assets of this Trost shall be paid to the then recipients of the incane in the proportions by which they are then entitled to the income. (d) Should Il:rrlene Pote Fuller die before final distribution of the Assets of this Trust arrl not be sw:vived by then living issue, then all assets comprising this Trust shall be distributed to the Denise Pote Murphy Trost arrl administered arrl distributed in accordance therewith; provided however, that if the Denise Pote Murphy Trust has previously been tenninated by payment of all its principal arrl incane to its beneficiaries, then 2 IIW ~l~' said beneficiaries who received paym;mt of the principal of that Trust shall collectively be considered an "existent Trust" for the p.rrpose of this subparagraph, ani one such equal share shall be paid directly to each of such beneficiaries in the same proportion by which they received the principal of the Trust. If at the ti1ne of tennination of this Trust there is no "existent" Trust, or if at any ti1ne before final distribution of assets under this Article II there are no beneficiaries as heretofore described in this Article II, then all assets of this Trust shall be distributed as follows: (A) Twenty-five percent (25%) to Juniata College, Huntingdon, Pennsylvania to be used only for student scholarships in the Education ani Business Deparbnents; (B) Twenty-five percent (25%) to the Camp Hill united Methodist <llUrch, Canp Hill, Pennsylvania as an endowment for youth activities ani chur--ill mission, on an equal basis; (C) Ten pe=ent (10%) to the Albright Church of the Brethren, Roaring Springs, Pennsylvania in the narre of BIlINaIE AND JESSE rorE, parents of my beloved husband, George G. Pote; (D) Twenty-five percent (25%) to the George G. Pote Family Fourrlation; (E) Fifteen percent (15%) to be divided equally between the then living spouses of my beloved daughters, Darlene Pote Fuller ani Denise Pote Murphy. (e) On an annual basis, Darlene Pote Fuller, during her lifeti1ne, or after her death, each income beneficiary hereof shall have the absolute right each year to withdraw fran the principal of this Trust an aIOClUI1t, in cash, not to exceed Five Thousarrl ($5,000.00) Dollars, or five percent (5%) of the then value of the principal of this 3 : 1~lfl ~I' . ' , Trost, whichever anount is greater. Said right to withdraw such am::lL1Ilt shall be noncumulative, an:i if Darlene R:lte Fuller or any income beneficiary shall fail to withdraw all of such anount, then he or she shall not be entitled in any subsequent year to withdraw said anount as he or she failed to withdraw in any prior year. (f) '!he Trustee shall also fran time to time pay to any income beneficiary as described in subparagraph (c) above such am::lL1Ilts of the principal of the Trust as the Trustee in its sole discretion, deerrs necessary an:i appropriate to maintain said i.ncane beneficiary in the proper station in life includirg proper support, maintenance, medical, hospital, nursirg an:i nursirg heme care, an:i college, university, postgraduate or other education expenses of said income beneficiary. II. JEUSE rom KJRmY 'IRET (a) In the Trust thus established for Denise Pate Murphy, the Trustee shall have, hold, manage, invest an:i reinvest the principal thereof, collect the income an:i shall pay quarterly to or for the benefit of Denise Pate Murphy all the net income of the Trost. '!he Trustee may also, on a quarterly basis, pay so nuch of the principal of said Trust to Denise R:lte Murphy as the Trustee, in the Trustees' sole discretion, shall deem necessary an:i appropriate to maintain said child in the proper station in life, includirg proper support, maintenance, medical, hospital, nursirg an:i l'IUisirg heme care, an:i postgraduate or other education expenses, includirg any expenses incurred by Denise Pate Murphy, for the college, university, postgraduation or other education of any issue of Denise R:lte Murphy. (b) Upon Denise Pate Murphy's attainirg the age of sixty-two (62) years of age, then upon the written request of Denise R:lte Murphy, the Trustee shall pay to Denise ~ ~ ~l tile ~ assets of tI1i5 TruSt. ( IID~ ~~~~ (c) Should Denise Pote M\.1rIi1y die before fiml distribution of the assets of said TrUst, but be sw:vived by then livin:J issue, the TrUstee shall quarterly pay the net income fran said Trust to or for the benefit of said issue, per stirpes, livin:J at each time of quarterly distribution.. 'IWenty (20) years followin:J the death of Denise Pete M\.1rIi1y, all of the then remainin:J assets of this TrUst shall be paid to the then recipients of the income in the proportions by which they are then entitled to the income. (d) Should Denise Pote M\.1rIi1y die before fiml distribution of the Assets of this TrUst and not be sw:vived by then livin:J issue, then all assets comprisin:J this TrUst shall be distributed to the Drrlene Pote Fuller TrUst and administered and distributed in accordance therewith; provided however, that if the Drrlene Pete Fuller TrUst has previously been tenninated by payment of all its principal and income to its beneficiaries, then said beneficiaries who received payment of the principal of that Trust shall collectively be considered an "existent TrUst" for the purpose of this subparagraph, and one such equal share shall be paid directly to each of such beneficiaries in the same proportion by which they received the principal of the TrUst. If at the time of tennination of this TrUst there is no "existent" TrUst, or if at any time before fiml distribution of assets under this Article II there are no beneficiaries as heretofore described in this Article II, then all assets of this TrUst shall be distributed as follows: (A) Twenty-five percent (25%) to Juniata College, Hunti.n;Jdon, Pennsylvania to be used only for student scholarships in the Education and Business Departments; (B) 'IWenty-five percent (25%) to the carrp Hill United Methodist Church, camp Hill, Pennsylvania 5 i IJIIP ~III' as an end~t for youth activities and church mission, on an equal basis; (C) Ten percent (10%) to the Albright Church of the Brethren, RoariIYJ SpriIYJs, Pennsylvania in the name of BIANaIE AND JESSE FOI'E, parents of my beloved husbarrl, George G. Pete; (0) 'IWenty-five percent (25%) to the George G. Pate Family FCJtlTrlation; (E) Fifteen percent (15%) to be divided equally between the then liviIYJ spouses of my beloved daughters, Darlene Pote Fuller and Denise Pote M..rrphy. (e) On an annual basis, Denise Pote M..rrphy, duriIYJ her lifetime, or after her death, each income beneficiary hereof shall have the absolute right each year to withdraw from the principal of this Trust an amount, in cash, not to exceed Five Thousand ($5,000.00) Dollars, or five percent (5%) of the then value of the principal of this Trust, whichever amount is greater. said right to withdraw such amount shall be noncumulative, and if Denise Pote M..rrphy or any income beneficiary shall fail to withdraw all of such amount, then he or she shall not be entitled in any subseqUent year to withdraw said amount as he or she failed to withdraw in any prior year. (f) 1he Trustee shall also from time to time pay to any income beneficiary as described in subparagraph (c) above such amounts of the principal of the Trust as the Trustee in its sole discretion, deens necessary and appropriate to maintain said income beneficiary in the proper station in life includiIYJ proper ~rt, maintenance, medical, hospital, nursiIYJ and nursiIYJ hone care, and college, university, postgraduate or other education expenses of said income beneficiary. ARI'IcrE III: Grantor shall have no power or authority to make decisions, either alone or in conjunction with the Trustee, regarding any 6 , Inv IIIU Assets which form a part of this Trust. All such decisions shall be made solely by the Trustee serviIq llJrler this Trust Agreement. ARTIClE IV: Grantor suggests to Trustee, although does not so require, that, in determining how to exercise its discretion to distribute from any Tnlst created hereUl"rler, Trustee will consider ways to reduce federal transfer taxes upon the property in the Trust and to increase the amount of property ultimately passiIq to at least some of the beneficiaries of the Trust. In particular, Grantor suggests that Trustee consider: (a) DistributiIq property, includiIq :incane, from a Trust whidl does not have a zero inclusion ratio as defined in Section 2642 (a) of the Internal Revenue code of 1986 and its successors, for the benefit of skip persons as defined in section 2613 (a) of the Code, for medical or Erlucational tuition expenses directly to the provider of the services, which distributions will be excluded from the definition of generation-skippiIq transfer by section 2611 (b) (2) of the Internal Revenue Code of 1986 and its successors; (b) DistributiIq property, includiIq :incane, from a Trust which does not have a zero inclusion ratio to non-skip persons as defined in section 2613 (b) of the Internal Revenue Code of 1986 and its successors; and (c) DistributiIq property, includiIq :incane, from a Trust which has a zero inclusion ratio as defined in section 2642 (a) of the Internal Revenue Code of 1986 and its successors, to skip persons as defined in section 2613 (a) of that Code. ARTIClE V: No part of the :incane or principal of the Assets held Ul"rler any Tnlst shall be subject to attachment, levy or seizure by any creditor, spouse, assignee, trustee or receiver in bankruptcy of any 7 'IIIIJJ lillllilJ' beneficiary prior to his or her actual receipt thereof. '!he Trustee may, in its reasonable discretion pay over the net i.nc::oIre an:l the principal to the parties herein designated, as their interest may appear, without regard to any atterrpted anticipation (except as specifically provided in this instnnnent) pledging or assignment by arry beneficiary llIrler a Trust an:l without regard to any clam thereto or atterrpted levy, attachment, seizure or other process against said beneficiary. ARI'ICLE VI: '!he Trustee shall possess, arnon:J others, the following powers to be exercised for the best interest of the beneficiaries: (a) To vary or retain investments, when deemed desirable by the Trustee, an:l to invest in such bonds, stocks, money market fl1Irls, notes, real estate mortgages, partnerships an:l securities, including securities of any corporate Trustee, or in such other property, real or personal, as the Trustee shall deem wise. (b) In order to effect a division of the principal of a Trust or for any other purpose, including any final distribution of a Trust, the Trustee is authorized to make said divisions or distributions of the personalty an:l realty if any, partly or wholly in kind. If such divisions or distributions are made in kind, said assets are required to be divided or distributed at their respective values on the date or dates of their divisions or distributions . (c) To sell, either at plblic or private sale, an:l upon such terms an:l conditions as the Trustee may deem advantageous to a Trust, any or all real or personal estate or interests therein owned by a Trust, severally or in conjunction with other persons, an:l to consummate said sales or sales by sufficient deeds or other instnnnents to the purchaser or purchaserS, 8 , ml~ iji~~~ , , conveying a fee sinple title, free arrl clear of all trust arrl withaIt obligation or liability of the prrcha.ser or prrchasers, to see to the awlication of the p.u:chase lOClney, or to make inquiry into the validity of said sale or sales~ also to make, execute, acknowledge arrl delivery any arrl all deeds, assigrnnents, options or other writings which nay be necessary or desirable in carrying aIt any of the pcMerS conferred upon the Trustee in this suJ:prragraph or elsewhere in this instnnnent. (d) To lOClrtgage real estate arrl to nake leases of real estate. (e) To borrc7iN lOClney fran any party to pay irrlebtedness of a Trust, arrl taxes. (f) To pay all costs, expenses arrl charges in connection with the administration of the Trust, including a reasonable compensation to attorneys, aCXX>UIltants arrl agents. (g) In the discretion of the Trustee, to unite with other owners of similar property in carrying out any plans for the reorganization of any corporation or conpany whose securities form a part of the Trust. (h) To vote any shares of stock which form part of a Trust. (i) To assign to arrl hold in a Trust an urrlivided portion of any asset. (j) To enter into arrl execute agreements of sale arrl long-term leases am g:rourrl leases in excess of five (5) years' duration~ to hold, sul:x:livide, inprove am develcp real property~ to continue, terminate or refuse to renew any existing leases, agreements, lOClrtgages or other encumbrances~ to settle, CClITpromise, negotiate, 9 1111 v 'nmlJl' , J litigate or otherwise dispose of disp.ltes concerning real property, without court awroval ~ to form or enter into partnerships or corporations ~ and to vote interests or shares therein. (k) In the discretion of the Trustee, if the size of any Trust herein established shall become so small that it is inpractical or uneconanica1 to continue said Trust, the Trustee may distribute all accumulated income and principal to the then income beneficiaries in proportion to their income interests. (1) '!he right and discretion to elect the IlDSt propitious settlement options for any employee benefit options payable to any Trust, assuming such election shall be in a=rdance with procedures established by the plan's administrative committee or administrator, as the case may be. (m) To employ agents, aCCOlU1tants, attorneys, property managers, awraisers, contractors, engineers, architects, surveyors, real estate consultants, brokers and assistants and to pay their fees and expenses, as the Trustee may deem necessary or advisable to carry out the provisions of the Trust created by this .Agreement. aARl'ICIE VII: Trustee may receive any other real or personal property from the Grantor or from any other person or persons, by lifetime gift, under a will or trust or from any other source. Such property shall be held by the Trustee subject to the tenns of this trust agreement. Trustee agrees, if it accepts such additions, to hold and manage such additions in trust for the uses and in the iranner set forth in this agreement. ARl'ICIE VIII: Trustee shall have the power to purchase and hold as a trust investment a policy or policies of insurance on the life of Grantor 10 IUIV "llliIJIJI! , ) or any other person if the Trustee in its absolute discretion, deems such action desirable, am to receive such policy or policies as owners, with the following powers stated by way of illustration am not intended to exclude other powers (which powers shall also awly to the policy originally transferred to the trust by Grantor am any others transferred to Trustee) : A. To execute any autanatic premium loan agreem:mt with respect to any policy or to elect that any such automatic premimn loan agreement provision shall be effective or to cancel the same. B. To borrow money with which to pay premiurrs due on any policy or for any other purpose of the trust either from the company issuing the policy or from any other source am to assign such policy as security for the loan; c. To exercise any option contained in such policy with respect to any dividend or share of surplus awointed; D. To reduce the am::JlU1t of such policy or to corwert or exchange the sane ; E. To elect any paid-up insurance or extended tenn insurance non- forfeiture cption contained in such policies; F. To surrender such policy for its cash value; G. To sell such policy to the insured or to anyone having an insurable interest in the insurance; am H. To exercise any other right, cption, or benefit contained in the policy or permitted by the insurance company issuing the policy. ARl'ICIE IX: Trustee shall have the following powers with respect to the payment of premiurrs on insurance policies: A. Tnlstee shall have the authority to awly such portion or all of the income am principal held by this Agreement to the payment of premiurrs or other charges on the insurance policies that CCJl'l'{lOse part of the Trust estate as the Trustee, in its absolute discretion, shall determine. B. If the net income am principal is insufficient to pay such premiurrs or other charges at any time, Trustee shall notify the estate and the beneficiaries of the Trust 11 IllIll (lillW~1 . > in writing of such insufficiency. Grantor am the beneficiaries of any of them may furnish the necessary furrls for the payment of the premiums or other charges, but they shall not be obligated or required to do so. c. If at any t.i1ne, the net i.ncate am principal of the Trust estate am the furrls furnished by the Grantor am the beneficiaries are insufficient to pay the premiums or other charges on the policies on insurance, Trustee shall not be required. to pay the premiums or other charges, am Trustee shall not be liable for its failure to do so. However, in the event of such insufficiency, Trustee may obtain the necessary furrls by selling at public or private sale, a sufficient portion of the principal of the trust: by oorrowing on the security of the principal of the trust or any part, including any of the insurance policies; by applying the dividerrls on any of the policies; or by surrerrlering any of the policies for their cash surrerrler values. Trustee may also, in its absolute discretion, convert any policy on which premiums have not been paid due to insufficient furrls into a paid-up policy pursuant to the tenns of such policy. ARl'IcrE X: In the case of the transfer to Trustee of any policy of life insurance on Grantor's life, Trustee shall possess am own all the incidents of ownership, rights, powers, interests, privileges, am benefits of every kind that may accr:ue on account of any of the insurance policies so transferred; am the Grantor shall have no interest or right of any kind in or to any of such insurance policies. ARl'IcrE XI: Trustee shall collect the proceeds of any insurance policies as follows: A. Upon the death of the insured or earlier maturity of any insurance policy or policies canposing part of the Trust, Trustee shall collect the proceeds am the benefits. Trustee shall furnish the necessary proofs of death to the insurance c::c:mpanies. Trustee is authorized to take any am all other steps reasonably necessary for the collection of such proceeds am benefits, including the institution of 12 .I~IP ~1~ruP proceedings at law or in equity in order to enforce the payment thereof. However, Trustee shall not, except at its own election, institute or maintain any legal action for the collection of such proceeds arrl benefits unless it is first irrlerra1ified to its satisfaction against all liabilities arrl ~ to which it, in its judgrrent, may be subjected as a result of such action. Trustee is further authorized to c:orrpranise arrl settle clabns arising out of the insurance policies or any of them on such tenns arrl corrlitions as it deems advisable, arrl the decision of the Trustee shall be birrling on all interested parties. Trustee shall be authorized to give the insurance c:orrpanies all necessary arrl proper releases arrl acquittance in full discharge of all its liabilities urrler such policies. '!he proceeds arrl benefits of such insurance policies so collected by Trustee shall be added to arrl become a part of the principal of the trust estate; but Trustee except for its negligence, shall not be liable to anyone for the failure to collect all or any part of the proceeds of the policies, arrl Trustee shall be responsible for the proceeds arrl benefits of such insurance only when collected by or paid to it. B. No insurance corrpany that has issued or shall issue a policy or policies of insurance subject to this 1\greement shall have any obligations to inquire into the tenns of this Trust 1\greement or see to the application of the proceeds arrl benefits of such policy or policies; arrl a receipt of Trustee given to any insurance corrpany shall be effective to release the insurance corrpany of any liability as a result of such policy or policies arrl shall be birrling upon every beneficiary of the Trust. ARl'IcrE XII: '!his Trust is irrevocable arrl shall not be subject to m:xUfication or amerrlment, in whole or in part. ARl'IcrE XIII: '!his Trust shall be governed by Pennsylvania law. Its situs shall be CUmberlarrl County, Pennsylvania. ARl'IcrE XIV: '!he Trustee shall be urrler no duty to post any borrl or other security for the perfonnance of its duties hereurrler. ARl'IcrE XV: Trustee shall be entitled to compensation annually in an amJUIlt in accordance with its schedule of fees in effect from time to time when such services are rerrlered. All payments of Trustee fees shall be 13 Inp' 'li~1JlIl' ~ ! .~ '" ... I paid fran incane of the Trust, if sufficient, and if insufficient then the balance fran principal. ARl'IcrE XVI: I hereby naninate, constitute and awoint cam Bank, N.A. as Trustee of the Trusts created un:ier this 1\greeIrent. ARl'IcrE XVII: Trustee shall pay any ard all estate, inheritance, succession ard other taxes, together with interest ard penalties thereon assessed against the estate of Grantor by reason of the inclusion therein for tax prrposes of the remaininl principal of this Trust out of the principal held in this Trust. ARl'IcrE XVIII: Trustee shall not be liable to any beneficiary for any loss or depreciation in value of any asset provided that such Trustee has not acted in bad faith, ard has exercised the due diligence of a prudent investor in dealing with the Assets CCllprising this Trust. ARl'IcrE XIX: Trustee shall keep written records of all transactions relating to the Trust, its Assets and all investment decisions relating to the Trust Assets. AlI.investJrent decisions by Trustee shall be by vote of a majority of t..'1e Invesbnent Ccmnitt.ee of Trustee. Trustee shall annually sen:l to all Trust beneficiaries an acxxmrt:ing showin;J all invesbnentd decisions of the Invesbnent Cc:mnittee ard the majority voting therein, all receipts, dis!::lursenl:mts, changes of investrnents ard assets held as principal of the Trust, and all incane, expenses and charges as relates to the Trust Assets. IN Wl'INESS tIImEDF, IXRIS W. rom has hereunto affixed her hand and seal, ard cam Bank, N.A. has caused this Irrevocable Agreement of Trost to be signed by its (Vice) President ard its seal affixed, attested by its Assistant Secretary, all by order of its Board of Directors; ard all on the day ard year first above written. GR1INlm ~M~d~~ IXRIS W. rom 14 IUIJ.I li~lli~' 'J.R:SIEB ATl'EST: <nm B1INK, N .A. Assistant Secretary BY: ~.:1L'~<-L1 (Vice) Presi.derit (SEAL) ~ OF mRmNANIA CIXJNIY OF cumEEm\ND On this, the a 1 ST day of m fJ KCJ+ , 1991, before me, a Notary Public, the urrlersigned officer, personally appeared R. e Kea rJt..e1 , who acknowledged hi1nself to be the VJf.E ff.'(E)d/>>dCY Tet/5T{!t1r:P-"R- CCNB Bank, N.A. a corporation, an:i that he, as sudJ.VIO!:mS q 1t't.1Sr Offj{*- ss being authorized to do so, executed the foregoing instrument for the purposes therein contained by signing the name of the corporation by hi1nself asV!CE PI?E5. '4- 7l?lJ.5r ()fptl:fe_ IN WI'IN.ESS WHEREXJF, I heramto set my ham an:! official seal. My O:lIl1mission Expires: ~ ~l~ .NctaIy _li~ 7M- Notaria! Seal ~"" .. Dian~ L Payne, Notary PooRe J Camp Hill ~, Cumberland Cou My CommisSion Expires Sept. 15, 1~ mbcr. onOClr i.~l\H>n filf NelBries 15 1111i! 1i~UWJ i ' .. aIftHolFAl1IH OF ~ CXXJNIY OF'~ ss on this, the r2 {l1l- day of vfJuJ.lILIt), 1991, before ne, a Notary Public, the urrlersigned officer, personally ~ Ibris w. Pate, know to ne (or satisfactorily proven) to be the person wose name is subscribed to the within instnnnent, am ack:r1c:Mledged that she executed the sane for the p.rrposes therein contained. m WI'rnESS WHERIDF, I hereunto set my ham am official seal. My Ccmni.ssion Expires: 9.,/J;JM~ otary Public NOTARIAL SEAL JgAN L, MORIN, Notary Public Harrisburg, Dauphin County My ~ommission Expires Sept. 16, 1991 16