HomeMy WebLinkAbout12-19-0815D56D43~147
"V~~ ~~O EX (06-05) OFFICIAL USE ONLY
PA Department of Revenue County Cade Year File Number
Bureau of Individual Taxes INHERITANCE TAX RETURN 21 0 8 10 8 8
PO 80X.280601
Harrisburg, PA 17128-0601 ~' RESIDENT DECEDENT
ENTER DECEDENT INFORMATION BELOW .
Social Security Number Date of Death Date of Birth
10 09 2008 OS 02 1928
Decedent's Last Name
GROY
(If Applicable) Enter Surviving Spouse's Information Below
Spouse's Last Name
Spouse's Social Security Number
FILL IN APPROPRIATE OVALS BELOW
;XJ 1. Original Return
L~ 4. Limited Estate
6 Decedent Died Testate
(Attach Copy of Will)
9. Litigation Proceeds Received
Suffix Decedent's First Name MI
ETHEL M
Suffix Spouse's First Name MI
THIS RETURN MUST BE FILED IN DUPLICATE WITH THE
REGISTER OF WILLS
' ~ 2. Supplemental Return C 3. Remainder Return (date of death
i-J prior to 12-13-82)
4a. Future Interest Compromise ~ 5. Federal Estate Tax Return Required
(date of death after 12-12-82J
~ Decedent Maintained a Living Trust 8. Total Number of Safe Deposit Boxes
(Attach Copy of Trust)
L_! 10' between P2--31 ~jCraedditt(datgesof death ~1 11.Election to tax under Sec. 9113(A)
' J (Attach Sch. O)
CORRESPONDENT -THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO:
Name Daytime Telephone Number
PATRICIA R.-BROWN ESQ. 717 249 6333
r.,
Firm Name (If Applicable)
SALZMANN HUGHES PC
First line of address
354 ALEXANDER SPRING ROAD,
Second line of address
City or Post Office State ZIP Code
CARLISLE PA 17015
Correspondent's a-mail address:
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REGISTER OE:.L if~LS USE ~LY
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Under penalties of perjury, 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
h~%~JU'~°-ti.y~-+ ~~~~,_,_, Susan Walker /~ --~ ~"- ~ ~'
ADDRESS
2 Stine Avenue, Carlisle, PA 17013
SIGNATURE OF PREPARER OTHER THAN REPRESENTATIVE DATE
t~~~-~~ yC -,f~5,'-~...~,~,,~~ Patricia R. Brown Esq. ~~ i g-- v
ADDRESS
354 Alexander Spring Road, Suite 1, Carlisle, PA 17015
Side 1
15D56D41147 15D56041147
15056[342148
REV-1500 E;(
~eceaenes Name: E# h e I M. G l' o y
Decedent's Social Security Number
RECAPITULATION
1. Real Estate (Schedule A) ......................................................................................... . 1.
2. Stocks and Bands (Schedule B) .............................................................................. . 2.
3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C)......... . 3.
4. Mortgages & Notes Receivable (Schedule D) ......................................................... . 4.
7 , 6 4 0 6 0
5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) ............... . 5.
6. Jointly Owned Property (Schedule F) ~ Separate Billing Requested ............ . 6.
7 ~Probate Property
ransfers & Miscellaneous Non-
I
4 3 1 . 7 4
1 1
( ) ~
Separate Billing Requested ............
Schedule t . 7, ,
8. Total Gross Assets (total Lines 1-7) ...................................................................... . g. 1 9, 0 7 2 3 4
1 2, 7 5 8 6 1
9. Funeral Expenses & Administrative Costs (Schedule H) ........................................ . 9.
10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) ............................... . 10.
1 2, 7 5 8 6 1
11. Total Deductions (total Lines 9& 10) ..................................................................... . 11.
12. Net Value of Estate (Line 8 minus Line 11) .............................•...............:.............. .. -12. 6 , 313.7 3
13. Charitable and Governmental Bequests/Sec 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. 6 , 3 13.7 3
TAX COMPUTATION -SEE INSTRUCTIONS FOR APPLICABLE RATES
15. Amount of Line 14 taxable
at the spousal tax rate, of
transfers under $ec°. 9116
0 0
0
15.
0 0 0
.
(a)(1.2) X .o0
16. Amount of Line 14 taxable 6 , 3 13.7 3 16. 2 8 4 . 1 2
at lineal rate X .045
17. Amount of Line 14 taxable
0 0 0
17.
0 0 0
at sibling rate X .12
18. Amount of Line 14 taxable
0 0 0
18.
0 0 0
at collateral rate X .15
19.
...................................................................................
Tax Due ................................ 19.
.. 2 8 4 1 2
20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT.
Side 2
15056042148 15056042148
REV-1500 EX Page 3
Decedent's Complete Address:
File Number 21-08-1088
CECEDENT'S NAME
Ethel M. Groy
STREET ADDRESS
2 Stine Avenue
CITY ', STATE ', ZIP
Carlisle ' PA ~~, 17013
Tax Payments and Credits:
1. Tax Due (Page 1 Line 19)
2. Credits/Payments
A, Spousal Poverty Credit
g. Prior Payments
C. Discount
3. Interest/Penalty if applicable
p. Interest
E. Penalty
14.21
Total Credits (A + B + C)
(1) 284.12
(2) 14.21
Total Interest/Penalty (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.
g: Enter the total of Line 5 + 5A. This is the BALANCE DUE.
Make Check Payable to: REGISTER OF WILLS, AGENT
(3)
(4)
(5) 269.91
(5A)
(56> 269.91
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 :..................................................................................
b. retain the right tc designate who shall use the property transferred or its income :....................................
c. retain a reversionary interest; or .................................................................................................................. ^ ~ ^J
d. receive the promise for life of either payments, benefits or care? .............................................................. ^ LxJ
2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without
receiving adequate consideration? ....................................................................................................................... ^ ^x
3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death?......... ^
4. Did decedent own an Individual Retirement Account, annuity, or other non-probate property which
contains a beneficiary designation? ...................................................................................................................... i z ii ~^
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)j.
For dates of death on or after January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero
(0) percent [72 P.S. §9116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements
for disclosure of assets and filing a tax return are still applicable even if the surviving spouse is the only beneficiary.
For dates of death on or after July 1, 2000:
The tax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a
natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [72 P.S. §9116 (a) (1.2)j.
The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent,
except as noted in 72 P.S. §9116 1.2) [72 P.S. §9116 (a) (1)].
The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent [72 P.S. §9116 (a) (1.3)]. A
sibling is defined under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption.
Rev-1508 EX+ (6-98)
~. SC~lEDilLE E
CASH, BANK DEPOSITS, ~ MiSC.
`~ PERSONAL PROPERTY
CCMMCNWEALTH CF 7ENNSYLVANIA
W HERI`: ANCc TAX ~E7U RN
RESICENT CECEDENT
ESTATE OF IFiLE NUMBER
Groy, Ethel M. 21-08-1088
Include the proceeds of ;itigation and the date the prcceeds mere received by the estate.
All property jointly-owned with the right of survivorship must be disclosed on schedule F.
(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-1510 EX+ (6g8)
SCHEDULE G
INTER-VIVOS TRANSFERS ~
MISC. NON-PROBATE PROPERTY
COMMONNlEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
REaICENT pECEDEN7
ESTATE OF FILE NUMBER
Groy, Ethel M. 21-08-1088
This schedule must be completes and filed'rf the answer is any of questicns 1 through 4 on the reverse sitle of the REV-7500 COVER SHEET is yes.
ITEM
NUMBER DESCRIPTION OF PR PERTY
INCLUDE NAME OF TRANSFEREE. THEIR RELATIONSHIP TO DECEDENT AND
THE DATE OF TRANSFER. ATTACH A COPY OF THE DEED FOR REAL ESTATE. DATE OF DEATH
VALUE OF ASSET % OF DECD'S
INTEREST EXCLUSION
(IF APPLICABLE) TAXABLE
VALUE
1 Fidelity Investments - U.S. Army 11,431.74 11,431.74
Nonappropriated Fund
TOTAL (Also enter on Line 7, Recapitulation) ~ 11,431.74
(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}
REV-1151 EX+{12.99) '
SCHEDULE H
~° FUNERAL EXPENSES &
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
ADMINISTRATIVE COSTS
RESICENT CECEDENT
ESTATE OF FILE NUMBER
Groy, Ethel M. 21-08-1088
Debts of decedent must be reported on Schedule I.
ITEM DESCRIPTION AMOUNT
NUMBER
A. FUNERAL EXPENSES:
See continuation schedule(s) attached
8,166.61
B.
1. ADMINISTRATIVE COSTS:
Personal Representative's Commissions
•Social Security Number(s) / EIN Number of Personal Representative(s):
Street Address
City ~ State Zip
Year(s) Commission paid
2. Attorney's Fees SALZMANN HUGHES PC 1,000.00
3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) 3,500.00
Claimant Susan Walker
Street Address 2 Stine Avenue
City Carlisle state PA zip 17013
Relationship of Claimant to Decedent daughter
4. Probate Fees 72.00
5. Accountant's Fees
6. Tax Return Preparer's Fees
7. Other Administrative Costs 20.00
See continuation schedule(s) attached
TOTAL (Also enter on line 9, Recapitulation) 12,758.61
Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H (Rev. 6-98)
Rev-1502 EX+ (6-98)
~. SCHEDULE H-A
~ FUNERAL EXPENSES
continued
CCMHICNWEAL?H Of PENNSv! VANIA
WNERI?ANCE -AX RET:JRN
RESICENT DECECENT
ESTATE OF FILE NUMBER
Groy, Ethel M. 21-08-1088
Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H-A (Rev. 6-98)
Rev-1502 EX+ (6-98)
COMMONWEALTH CF PEONS"LbANIA
'NHERITANCE TAX RETURN
RESICENT DECEDENT
S~~1EDt)LE H-B7
OTHER
ADMlNiSTRATiVE COSTS
continued
ESTATE OF ~FlLE NUMBER
Groy, Ethe! M. 21-08-1088
Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule H-67 (Rev. 6-98)
REV-1513 EX+ (9-00)
COMMONWEALTH OF PENNSYLVANIA
INHERITANCE TAX RETURN
RESIDENT DECEDENT
SC~ED~LE J
BENEFICIARIES
ESTATE OF F1LE NUMBER
Groy, Ethel M. 21-08-1088
NAME AND ADDRESS OF RELATIONSHIP TO SHARE OF ESTATE AMOUNT OF ESTATE
NUti18ER PERSCN(S} RECEIVING PROPERTY DECEDENT (Wads) ($$5)
Do Not List Trustee(s)
~~ TAXABLE DISTRIBUTIONS (include outright spousal
distributions, and transfers
under Sec. 9116(a}(1.2)]
Susan Walker Daughter 6,313.73
2 Stine Avenue
Carlisle, PA 17013
Total 6,313.73
Enter dollar amounts for distributions shown above on lines 1 5 through 18, as appropri ate, on Rev 1500 cove r sheet
Ili NON-TAXABLE DISTRIBUTIONS:
A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT
BEING MADE
B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS
TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET 0.00
Copyright (c) 2002 form software only The Lackner Group, Inc. Form PA-1500 Schedule J (Rev. 6-98)
MEMBERS 1St
FEDERAL CREDIT UNION
REGULAR SAVINGS ACCOUNT:
Account Number/ Suffix
Date Account Established
Principal Balance at Date of Death
Accrued Interest to Date of Death
Total Principal and Accrued Interest
Name of Joint Owner
Date Joint Ownership Established
CHECKING ACCOUNT:
Account Number/Suffix
Date Account Established
Principal Balance at Date of Death
Accrued Interest to Date of Death
Total Principal and Accrued Interest
Name of Joint Owner
Date Joint Ownership Established
Estate of: ETHEL M. GROY
Date of Death: October 9, 2008
Social Security Number: 197-20-2931
51498-00 --
08/26/1975
$4,251.08
$.90
$4,251.98
James M. Groy (deceased 7-22-04)
08/26/1975
51498-11
08/13/2004
$2,828.40
$.22
$2,828.62
James M. Groy (deceased 7-22-04)
08/13/2004
M MBERS 1ST FEDERAL CREDIT UNION
Danielle A. Kline
Insurance Services Specialist
November 26, 2008
5000 Louise Drive ~?O. Bo~c 4U Mechanicsburg, Petlnsylvauia 1705 (50O) 283-?328 www.nIelnberslst.org
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/ N V E S T M E N T S
U.S. Army Nonappropriated Fund
Employee 401(k) Savings Plan
ETHEL M GROY
439 N. HANOVER STREET
CARLISLE, PA 17013-0000
ENV#OP015075
OP 90076 B
Retirement Savings Statement
July 1, 2008 -September 30, 2008
Q Client Service Number: 1-800-835-5093 US/Canada
Dial the ATT Direct Access number for your country, then
dial 877-833-9900. The Plan number is 90076.
Get Your Statements Online
Online statements offer many advantages over paper statements. For instance, you can view and print up-to-date statements
whenever you like, and you can retrieve statements for any date, month, quarter, or custorr~ date range within the previous 24
months. To sign up for online statements, please visit us online, go to Mail Preferences under the Your Profile tab, and update your
delivery preference for savings statements and other notices. You must also provide us vuith•a valid e-mail address so that we can
periodically remind you to view your statements and other notices online.
A Message From Emp. Benefits Office
Fidelity toll free number for overseas Plan participants. Just dial the ATT Direct Access number for your country, then dial
877-833-9900. Tell them your Plan number is 90076, and you'll be transferred to a Fidelity Customer Service Representative who
can answer your questions, process a loan, or make fund allocation changes.
Your Account Summary
Beginning Balance $11,934.79
Change In Market Value -503.05
Ending Balance $11,431.74
Additional Information
• Vested Balance $11,431.74
• Dividend & Interest $40.72
Your Personal Rate of Return
This Period -4~2%
Year to Date -9.0%
Your Personal Rate of Return is calculated with atime-weighted
formula, widely used by financial analysts to calculate investment
earnings. It reflects the results of your investment selections as
well as any activity in the plan accountis) shown. There are other
Personal Rate of Return formulas used that may yield different
results. Remember that past performance is no guarantee of future
results.
Your Asset Allocation
Stocks 43%
~~ ~ Short-term 57%
Your account is currently allocated among the asset classes
specified above. Percentages and totals may not be exact due
to rounding.
Please read this statement carefully- Any error must be reported to Fidelity Investments within 90 days.
15075 OP015075 0001 20081009 OP4K
Fidelity Investments, PO Box 5424, Cincinnati, OH 45250-5424 Page 1 of 7
U.S. Army Nonappropriated Fund
Employee 401(k) Savings Plan
Investment Fee Information
Statement Period: 07101!2008 to 09!30/2008
Fidelity Overseas Fund assesses ashort-term trading fee of 1.00% for shares held less than 30 days.
Fund Performance
A summary of investment performance of all funds available in the plan. Funds you own are marked with an asterisk.
As you review this update, please remember that performance data stated represents past performance which does not guarantee future results.
Investment return and princrpal value o(an investment will fluctuate; therefore, you may have a gain or loss when you sett your units. Current
performance may be higher or lower than performance stated. To learn more or to obtain the most recent month-end performance information,
contact Fidelity using the information listed on the Iirst page of this statement (your plan's toll free number and; or websife).
Before investing in any investment option, please carefully consider the investment objectives, risks, charges and expenses. For this and other
information, calf or write Fidelity for a free mutual /und or variable annuity prospectus. Read it carefully before you invest.
Your holding period may differ from the time periods shown below.
- Foreign investments, especially those in emerging markets, involve greater risk and may offer greater potential returns than U.S. investments. This
risk includes political and economic uncertainties of foreign countries, as well as the risk of currency fluctuation.
- Lower-quality debt securities involve greater risk of default or price changes clue to potential changes in the credit quality of the issuer.
- Investments in mortgage securities are subject to prepayment risk, which can limit the potential for gain during a declining interest rate environment
and increase the potential for loss in a rising interest rate environment.
- Because of their narrow focus, sector funds may be more volatile than funds that diversify across many sectors.
- Investments in smaller companies may involve greater risks than those in larger, more well known companies.
I Inception Annual Total Return %
I Average Annual Total Return % as oJ09i30,'2008
I Gross
Investment Date 2007 2006 20D5 i Year 3 Year 5 Year f0 Year Lite Exp Ratio
Siocks I
Fid Growth Company 01/17/1983 19.89 9.56 13.50 -22.14 2.47 7.17 6.33 12.86 0.94
Fid Overseas 12/04/1984 21.82 20.49 19.29 -32.33 2.56 9.30 5.51 11.47 0.95
Spartan US Eq Index 02/17!1988 5.43 15.72. 4.85 -22.04 0.16 5.08 2.94 9.78 o.io
Dodge & Cox Stock 01/04!1965 0.14 18.53 9.37 -29.59 -3.30 5.43 8.90 11.10 0.52 ;
TRP Sm Cap Stock 06/01/1956 -1.75 12.78 8.44 -17.83 0.04 7.26 8.77 12.81 0.89
Davis NY Venture A* 02/17!1969 4.97 15.12 10.68 -22.17 -0.07 6.61 6.17 12.30 0.85
Market Indices* '
MSCI EAFE Index 11.33 26.53 1372 -30.39 1.28 9.91 5.26 N/A NiA ?
Russell 3000 Growth Index 11.40 9.46 5.17 -20.60 0:15 3.96 0.89 NiA NSA r
S&P 500 Index 5.49 15.79 4.91 -21.98 0.22 5.17 3.06 N/A N/A
Blended Funds
TRP Retire Income 09./30/2002 6.10 9.98 4 87 •-9.41 2.46 4.85 N/A 6.41 0.56 j
TRP Retirement 2010 09.130/2002 6.65 12.84 6.25 ~ -14.93 1.95 5.98 N/A 8.19 0.63
TRP Retirement 2020 09/30/2002 6.73 14.66 7.17 -19.25 1.24 6.25 N/A 8.92 0.69
TRP Retirement 2025 02/27/2004 6.81 15.44 7.42 -20.83 1.01 N/A N/A 3.71 0.72
TRP Retirement 2030 09/30!2002 6.83 16.14 8.12 -22.17 0.86 6.62 N/A 9.44 0.73
TRP Retirement 2035 02/27/2004 6.81 16.18 8.05 -22.86 0.60 N/A N/A 3.55 0.74
TRP Retirement 2040 09130/2002 6.77 16.24 8.14 -22.82 0.63 6.48 N/A 9.37 0.74
TRP Retirement 2045 05/31/2005 6.84 16.15 N/A -22.83 0.66 NiA N!A 2.34 0.74
TRP Retirement 2005 02'27/2004 6.67 11.50 5.57 -12.09 2.35 fdiA NiA 3.86 use
TRP Retirement 2015 02/27/2004 6.75 13.73 6.69 -17.08 1.65 N!A NiA 3.80 0.66
Fid Balanced 11/06/1986 8.99 11.65 10.68 -19.56 0.78 6.05 6.58 9.22 0.61
Bonds 1
~
Fidelity US Bd Index 03/08/1990 5.40 4.33 2.26 2.44 3.50 3.41 5.00 6.98 0.50
Market Indices*
LB Agg Bond Index 6.97 4.33 2.43 3.65 4.15 3.78 5.20 N/A wA j
!
Short-term _ ~
An investment in a money market fu nd is not insured or guaranteed by the FDI C or any other gover nment age ncy. Although money market funds
seek to preserve the value of your in vestment at $1 per share, it is possible to l ose money by investing in these funds. =.
i
Fidelity Retire Mmkt` 12/02/1988 5.12 4.82 2.96 3.50 4.37 3.27 3.52 4 54 o.a2
7-Day Yield: 2.68% i
15075 OP015075 0001 20081009 OP4K
Fidelity Investments, PO Box 5424, Cincinnati, OH 45250-5424 Page 3 of 7
U.S. Army Nonappropriated Fund
Employee 401(k) Savings Plan
Your Statement Glossary
Statement Period: 07/01!2008 to 09/30/2008
Average Annual Total Return
Tliis is the hypothetical rate of return, that if the investment option achieved it over a year's time, would produce the same cumulative total
return if the investment option performed consistently over the entire period. A total return is expressed in a percentage and tells you how
_ i much the investment has earned or lost over time, assuming that all dividends and capital gains are reinvested.
- Change in Market Value
' The change in value reflects the fluctuations in the price per share of the investment option because of changes in their underlying
investments (stocks, bonds or short term investments). In the Account Summary section of your statement, this number is the total of all
changes in all of your investments due to these types of fluctuations.
Cumulative Total Return -
This number tells you an investment's actual performance for a certain period of time. A total return is expressed in a percentage and tells you
how much money you have earned or lost on an investment over time, assuming that all dividends and capital gains are reinvested.
Dividends
In the investment options of your plan, including mutual funds and company stock (if applicable), dividends are money paid to shareholders
that comes from the investment income that the fund has earned. Depending on the rules of your plan, dividends on company stock may be
reinvested into your retirement account or paid to you in cash.
Market Value
Market Value is the dollar value of the investments in your account. You can calculate your market value by using the following formula:
Market Value = Number of shares or units in your account x Price per share or unit of the fund.
Shares
Shares are your units of ownership of investments in your account.
Share Price
The value of one share of each investment in your account is called share price. It is determined by taking the total value of the whole
investment option on a given day and dividing it by the number of shares outstanding.
Unifs
Your interest in your company stock fund is expressed in units not shares. The value of each unit is determined by dividing the market
value of assets held by the fund, including shares and the short term investments, by the number of units outstanding. Unitization is a method
that combines common stock with short term investments. The short term investment portion of the fund enables stock fund trading every
business day, similar to mutual funds, rather than the typical three day settlement period which occurs when stock is traded on the open
market. Unitization does not affect the initial market value of your ownership in company stock, only the manner in which it is expressed.
Vesting
Vesting refers to your level of ownership in company contributions and any associated earnings. When the company contributes money to
your account, it resides in your account, under your name. This money becomes fully yours once you have satisfied the vesting requirements
of your plan. You are always entitled to 100% of your contributions and any associated earnings.
Some special information about other sections that may appear in your account statement.
Asset Allocation
Investments can be divided into three major asset classes: Stocks,
Bonds, and Sliort Term Investments. These asset classes represent
the different types of underlying securities that may be held in the
investment options you own. Please note that you may be invested in a
blended fund where the fund holdings are invested in more than one
asset class.
• Stocks
Stocks can add a growth component to your portfolio. l~hey
represent ownership or equity in a company. Stocks have the
potential to outperform other types of investments over the long
term. However, stocks tend to have wider price fluctuations over
short periods of time than other securities.
• Bonds
Bonds can add an income portion to your portfolio. They
represent a loan to a corporation or Government Agency, and
provide the opportunity for higher current income than short-term
investments. Unlike short-term investments and stable value
investments, bond prices fluctuate with changes in interest rates.
• Short Term
Short Term investments can add stability to your portfolio. They
provide current income and seek to preserve the value of your
investment. They also tend to provide the lowest returns over
the long term. Examples of these investments include
certificates of deposit (CDs), Treasury Bills and Money Market
Instruments.
Market Indices
A market index can measure the general trends in the performance of
particular market segments. You can use the appropriate market index
to compare the performance (Average Annual Return) of the options in
which you're invested.
• Standard and Poor's 500
The S&P 500 incorporates a broad base of 500 stocks, including
industrial, utility, and financial companies. Some of its stocks
have a greater influence on tfre direction of the market. The
S&P 500 calculation takes this into account by giving greater
weight to these stocks. The companies that make up the S&P
500 are traded on the New York and American Stock
Exchanges, as well as the Over-The-Counter Exchange.
• Lehman Bros. Aggregate Bond Index
This measures the total return of over 6,000 high-quality bond
issues, including government, corporate, and mortgage sectors.
Bonds in this price-weighted index have an average maturity of
10 years.
• Morgan Stanley SAFE Index
The MSCI EAFE Index (Morgan Stanley Capital International
Europe, Australasia, and Far East, Index) is an unmanaged
index and includes the reinvestment of dividends. It is designed
to represent the performance of developed stock markets
outside the United States and Canada. The MSCI EAFE Index
is a registered service mark of Morgan Stanley and has been
licensed for use by FMR Corp.
15075 OP015075 0001 20081009 OP4K
Fidelity Investments, PO Box 5424, Cincinnati, OH 45250-5424 Page 5 of 7
/i R
Fi e
/ N V E S T M E N T S
U.S. Army Nonappropriated Fund
Employee 401(k) Savings Plan
ETHEL M GROY
2 STINE AVE
CARLISLE PA 17013-9649
10/09/200$
Dear Ethel M Groy:
OP 90076 B
The U. S. Postal Service has notified us that your address has changed recently and has provided
the forwarding address to which this plan statement was mailed. Please help us correct your
address in our files so that you can continue to receive your plan statements and other important
mailings.
Please change your address by following your employer's requirements. If you do not know how to .
change your address, please contact a service representative at the number listed on your
statement.
Please note that this update will be applied only to the retirement plan(s) included on this
statement. If you have other accounts with Fidelity (mutual fund, brokerage, Annuity, Life
Insurance, Charitable Gift Fund etc.) please contact the appropriate customer service
representative to update your address.
Sincerely,
Fidelity Investments
15075 OP015075 0001 20081009 OP4K
Fidelity Investments, PO Box 5424, Cincinnati, OH 45250-5424 Page 6 of 7
'j
Fi ~
/ /V VE STMEIVTS
U.S. Army Nonappropriated Fund
Employee 401(k) Savings Plan
ETHEL M GROY
439 N. HANOVER STREET
CARLISLE, PA 17013-0000
ENV#OP015076
OP 90076 B
Retirement Savings Statement
July 1, 2008 -September 30, 2008
ti,,4` Client Service Number: 1-800-835-5093 US/Canada
Dial tl~e ATT Direct Access number for your country, then
dial 877-833-9900. The Plan number is 90076.
Get Your Statements Online
Online statements offer many advantages over paper statements. For instance, you can view and print up-to-date statements
whenever you like, and you can retrieve statements for any date, month, quarter, or custom date range within the previous 24
months. To sign up for online statements, please visit us online, go to Mail Preferences under the Your Profile tab, and update your
delivery preference for savings statements and other notices. You must also provide us with a valid e-mail address so that we can
periodically remind you to view your statements and other notices online.
r
Please read this statement carefully. Any error must be reported to Fidelity Investments within 90 days.
15076 OP015076 0001 20081009 OP4K
Fidelity Investments, PO Box 5424, Cincinnati, OH 45250-5424 Page 1 of 3
Ii A.
Fi e
/ Iy V E S T M E N T S
U.S. Army Nonappropriated Fund
Employee 401(k) Savings Plan
ETHEL M GROY
2 STINE AVE
CARLISLE PA 17013-9649
10/09/2008
Dear Ethe! k9 Groy:
OP 90076 B
The U. S. Postal Service has notified us that your address has changed recently and has provided
the forwarding address to which this plan statement was mailed. Please help us correct your
address in our files so that you .can continue to receive your plan statements and other important
mailings.
Please change your address by following your employer's requirements. If you do not know how to
change your address, please contact a service representative at the number listed on your
statement.
Please note that this update will be applied only to the retirement plan(s) included on this
statement. If you have other accounts-with Fidelity (mutual fund, brokerage, Annuity, Life
Insurance, Charitable Gift Fund etc.) please contact the appropriate customer service
representative to update your address.
Sincerely,
Fidelity Investments
15076 OP015076 0001 20081009 OP4K
Fidelity Investments, PO Box 5424, Cincinnati, OH 45250-5424 Page 2 of 3