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Home My WebLink About04-0255IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION IN RE: PAUL A. MILLER, Incapacitated Person · 21-04-255 ORPHANS' COURT ORDER OF COURT AND NOW, this 16th day of March, 2004, a hearing shall be conducted in Courtroom Number 3, Cumberland County Courthouse, Carlisle, Pennsylvania at 10:30 a.m., Friday, March 26, 2004, on the within petition for removal of an attorney-in-fact. '~'Richard P. Nuffort, Esquire Robert Frey, Esquire For Petitioner Marcia M. Lentz Harold S. Irwin, III, Esquire Court-appointed for Paul A. Miller Edgar B. Bayley, J. ~C.~:~ Donald B. Kaufman, Esquire For Joseph Miller and Patricia Miller Lawrence F. Hinnenkamp, Esquire Gregory J. Miller 5212 SW Ninth Place Cape Coral, FL 33914 Honorable George E. Hoffer, P.J. :sal ~g 529-33 3/12/04 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION IN RE: PAUL A. MILLER, Incapacitated Person G' PETITION FOR REMOVAL OF ATTORNEY-IN-FAC~ The Petition of Marcia M. Lentz, by her attorneys, Zimmerman, Pf~nebecke~r, Nuffort & Albert, respectfully represents: 1. Petitioner, Marcia M. Lentz, is an adult individual residing at 1818 Silver Pine Circle, Mechanicsburg, PA 17050. 2. Petitioner is the daughter of Paul A. Miller, an incapacitated person, who is presently a resident at Bethany Village Nursing Care facility in Mechanicsburg, Pa. 3. Paul A. Miller is an incapacitated person as that term is defined under Chapter 55 of the Pennsylvania Decedent's Estates and Fiduciaries Code, 20 Pa. C.S.A. 5501 et sec. 4. The affairs of Paul A. Miller have been handled since approximately May of 1999 by Joseph A. Miller, son of the incapacitated person, Paul A. Miller pursuant to a Durable General Power/Letter of Attorney dated August 19, 1993. Effective October 4, 2001, the attorneys-in-fact have been Joseph A. Miller and his wife, Patricia Ann Miller, pursuant to a Durable General Power of Attorney dated October 4, 2001. ' q1529-3g 5. Joseph A. Miller resides at 307 Walnut Street, Lemoyne, PA 17043. 6. A true and correct copy of the Durable General Power of Attorney under which Paul A. Miller appointed Joseph A. Miller and Patricia Ann Miller as agents is attached hereto, fully incorporated herein by reference and marked for identification as Exhibit "A". 7. breached their fiduciary duty to the principal, Paul A. Miller, a duty which they owe pursuant to common law and also specifically pursuant to the provisions of 20 Pa. C.S.A. 5601(e). 8. The agents, Joseph A. Miller and Patricia Ann Miller, have breached their fiduciary duty by misappropriating the fund of the principal. This specifically includes, but may not be limited to, a misuse of the principal's credit card. Petitioner has become aware that the agents have been making numerous personal charges on the credit card of Paul A. Miller with Bankcard Service, Account Number 5490-9980-5101-3598. Those personal charges include, but are not limited to, automobile repair expenses, food, clothing, golf courses, health clubs and other similar type charges for Joseph A. Miller and Patricia Ann Miller. These personal charges have been admitted by Joseph A. Miller to exceed $18,000 for the last six months alone. Petitioner believes and therefore avers that the amount misused by the agents for their personal use is well in excess of that number. The agents, Joseph A. Miller and Patricia Ann Miller, husband and wife, have ' e~1529-3~ 9. An example of the inappropriate charges which Petitioner has discovered are attached hereto, fully incorporated herein reference and marked for identification as Exhibit "B" which are the credit card records which Petitioner has been able to obtain from the Trust Department of the Waypoint Bank. The records attached demonstrate improper charges for the benefit of the agents, charges to which Joseph A. Miller has admitted, total at least $18,000. Petitioner believes and therefore avers that the personal expenses charged to the principal's account is far in excess of that number. 10. Petitioner further requests that this Court order the agents, Joseph A. Miller and Patricia Ann Miller, to provide a complete accounting for all of the monies and other properties of their principal which have come into their hands as agents/attorneys-in-fact since the first day that they began acting as the agents for Paul A. Miller. 11. Petitioner further prays that this Court order the agents, in addition to being removed, to pay and turn over to his successor all monies and other property remaining in their hands or under their control belonging to Paul A. Miller. 12. Petitioner further prays that the agents reimburse to Paul A. Miller all funds taken by the agents for their personal use. 13. Petitioner further prays that the Court order the agents to be surcharged personally for all of the costs and expenses connected with this proceeding for their removal, and for all expenses and costs associated with a separate Petition for Appointment of a Guardian for Paul A. Miller. ' 0,1529-3~ 14. Petitioner has also filed a separate Petition for Adjudication of Incapacity and Appointment of a Plenary Guardian of the Estate and Person of Paul A. Miller. All of the averments in that Petition are fully incorporated herein by reference. WHEREFORE, Petitioner prays: (a) That this Court immediately suspend the powers of the agents/ attorneys-in-fact, Joseph A. Miller and Patricia Ann Miller. (b) That Joseph A. Miller and Patricia Ann Miller be removed as attorneys-in-fact for Paul A. Miller. (c) That the agents, Joseph A. Miller and Patricia Ann Miller be ordered to provide a complete accounting for all of the monies and/or properties of Paul A. Miller which have come into their possession as agents/attorneys-in-fact since the first day they began acting as such. (d) That the agents be ordered to pay over to the Guardian for Paul A. Miller all monies or other property remaining in their possession under their control belonging to Paul A. Miller. (e) That Joseph A. Miller and Patricia Ann Miller be ordered and and directed to reimburse to Paul A. Miller all funds taken by them for their personal use. (f) That Joseph A. Miller and Patricia Ann Miller be personally surcharged for all the costs and expenses connected with this proceeding for their removal, and for all expenses and costs associated with the . 91529_3~ separate Petition for Appointment of a Guardian for Paul A. Miller. ZIMMERMAN, PFANNEBECKER, NUFFORT & ALBERT By: ~(~'~J Esquire ~chard P. u~ffo~t, Attorney I.D. #16044 Attorney for Petitioner 22 South Duke Street Lancaster, PA 17602 (717) 299-0711 · 0,1529-33 VERIFICATION I, MARCIA M. LENTZ, verify that the statements made in the foregoing Petition for Removal of Attorney-In-Fact are true and correct to the best of my knowledge, information, and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. DATED:"~,//]a/k,' 7~.,_//2 2 c)oyC Marcia M. Lentz EXHIBIT A DURABLE GENERAL POWER OF ATTORNEY NOTICE THE PURPOSE OF THIS POWER OF ATTORNEY IS TO GIVE THE PERSON YOU DESIGNATE (YOUR "AGENT") BROAD POWERS TO HANDLE YOUR PROPERTY, WHICH MAY INCLUDE POWERS TO SELL OR OTHERWISE DISPOSE OF ANY REAL OR PERSONAL PROPERTY WITHOUT ADVANCE NOTICE TO YOU OR APPROVAL BY YOU. THIS POWER OF ATTORNEY DOES NOT IMPOSE A DUTY ON YOUR AGENT TO EXERCISE GRANTED POWERS, BUT WHEN POWERS ARE EXERCISED, YOUR AGENT MUST USE DUE CARE TO ACT FOR YOUR BENEFIT AND IN ACCORDANCE WITH THIS POWER OF ATTORNEY. YOUR AGENT MAY EXERCISE THE POWERS GIVEN HERE THROUGHOUT YOUR LIFETIME, EVEN AFTER YOU BECOME INCAPACITATED, UNLESS YOU EXPRESSLY LIMIT THE DURATION OF THESE POWERS OR YOU REVOKE THESE POWERS OR A COURT ACTING ON YOUR BEHALF TERMINATES YOUR AGENT'S AUTHORITY. YOUR AGENT MUST KEEP YOUR FUNDS SEPARATE FROM YOUR AGENT'S FUNDS. A COURT CAN TAKE AWAY THE POWERS OF YOUR AGENT IF IT FINDS YOUR AGENT IS NOT ACTING PROPERLY. THE POWERS AND DUTIES OF AN AGENT UNDER A POWER OF ATTORNEY ARE EXPLAINED MORE FULLY IN 20 PA.C.S. CH. 56. IF THERE IS ANYTHING ABOUT THIS FORM THAT YOU DO NOT UNDERSTAND, YOU SHOULD ASK A LAWYER OF YOUR OWN CHOOSING TO EXPLAIN IT TO YOU. I HAVE READ OR HAD EXPLAINED TO ME THIS NOTICE AND I UNDERSTAND ITS CONTENTS. Signature: Date: PAUL A. MILLER I, PAUL A. MILLER, Lower Allen Township, Cumberland County, Pennsylvania, do make, constitute, and appoint my son and daughter-in-law, JOSEPH A. MILLER and PATRICIA ANN MILLER, severally, as my Agent. This Power of Attorney shall not be affected by my subsequent disability or incapacity. My Agent shall have full power and authority to act on my behalf. This power and authority shall authorize my Agent to manage and conduct all of my affairs and to exercise all of my legal rights and powers, including all rights and powers that I may acquire in the future. This Power of Attorney shall be construed broadly as a General Power of Attorney. The listing of specific powers is not intended to limit or restrict the general powers granted in this Power of Attorney in any manner. My Agent's powers shall include, but not be limited to, the power to: Open, maintain or close accounts, including, but not limited to, checking accounts, savings accounts, brokerage accounts, and other similar accounts with financial institutions. Conduct any business with any banking or financial institution, including but not limited to, making deposits and withdrawals, obtaining bank statements, passbooks, draft, money orders, warrants, and certificates or vouchers payable to me by any person, firm, corporation or political entity. 3. Have access to any safety deposit box that I might own, including its contents. Sell, exchange, buy, invest, or reinvest any assets or property. Such assets or property may include income producing or non-income producing assets or property. Sell, convey, lease, mortgage, manage, insure, improve, repair, or perform any other act with respect to any of my property (now owned or later acquired) including, but not limited to, real estate and real estate rights (including the right to remove tenants and to recover possession). This includes the right to sell or encumber any homestead that I may own in the future. Exercise all stock rights on my behalf as my proxy, including all rights with respect to stocks, bonds, debentures or other investments. Perform any act necessary to deposit, negotiate, sell or transfer any note, security, or draft of the United States of America, including U.S. Treasury Securities. 8. Borrow money. 9. Engage in retirement plan transactions. 10. Enter into binding contracts on my behalf. 11. Take any and all legal steps necessary to collect any amount or debt owed to me, or to settle any claim, whether made against me or asserted on my behalf against any other person or entity. 12. Purchase and/or maintain insurance, including life insurance upon my life or the life of any other appropriate person. -2- 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. Prepare, sign, and file documents with any governmental body or agency, including but not limited to, authorization to: ' ao Prepare, sign and file income and other tax returns with federal, state, and local and other governmental bodies. Obtain information or documents from any government or its agencies, and negotiate, compromise, or settle any matter with such government or agency (including tax matters). Prepare applications, provide information, and perform any other act reasonably requested by any government or its agencies in connection with governmental benefits (including military and social security benefits). Open one or more qualified state tuition program accounts under Section 529 of the Internal Revenue Code and, with respect to such an account: change the designated beneficiary; transfer contributor rights; and otherwise make decisions that are within the discretion of the contributor to such an account. Create a trust for my benefit to be funded by property belonging to me or to make additions to any existing trust for my benefit. Withdraw and receive the income or corpus of a trust. Handle interests in estates and trusts. Disclaim any interest which might otherwise be transferred or distributed to me from any other person, estate, trust, or other entity, as may be appropriate. Renounce fiduciary positions. Claim an elective share of the estate of my deceased spouse. Employ professional and business assistance as may be appropriate, including attorneys, accountants, and real estate agents. To authorize, withhold, or withdraw medical care and surgical procedures; To authorize, withhold, or withdraw nutrition (food) or hydration (water) medically supplied by tube through my nose, stomach, intestines, or veins; To authorize my admission to or discharge from a medical, nursing, residential, or similar care facility and to make agreements for my care, including hospice care; To have full access to my medical and hospital records and all information regarding my -3- physical or mental health; 26. To hire and fire medical, social service, and other support personnel responsible for my care; 27. To make an anatomical gift of all or part of my body; 28. To take any legal action necessary to do what I have directed. Any power or authority granted to my Agent under this document shall be limited to the extent necessary to prevent this Power of Attorney from causing (i) my income to be taxable to my Agent, (ii) my assets to be subject to a general power of appointment by my Agent, and (iii) my Agent to have any incidents of ownership with respect to any life insurance policies that I may own on the life of my Agent. My Agent shall not be liable for any loss that results from a judgment error that was made in good faith. However, my Agent shall be liable for willful misconduct or the failure to act in good faith while acting under the authority of this Power of Attorney. My Agent shall be entitled to reasonable compensation, during my lifetime or upon my death, for any services provided as my Agent. My Agent shall be entitled to reimbursement of reasonable out-of-pocket expenses incurred in connection with this Power of Attorney. My Agent shall provide an accounting for all funds handled and all acts performed as my Agent, ifI so request or if such a request is made by any authorized personal representative or fiduciary acting on my behalf. IN WITNESS WHEREOF, I have hereunto set my hand and seal this 20 O [ , revoking all previous general powers of attorney. Signature: Witness: ~ "~' PAUL A. MILLER (SEAL) -4- STATE OF PENNSYLVANIA : :' SS: COUNTY OF LANCASTER : On this the _~day of Ot:,~ ~ ,20 O[ before me the undersigned officer, personally appeared PAUL A. MILLER, known to me or satisfactorily proven to be the person whose name is subscribed to the within instrument, and acknowledged that he executed the same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and notarial seal the day and year aforesaid. Notary Public Acknowledgment by Agent I, JOSEPH A. MILLER, have read the attached power of attorney and am the person identified as the agent for the principal. I hereby acknowledge that in the absence of a specific provision to the contrary in the power of attorney or in 20 Pa.C.S. when I act as agent: I shall exercise the powers for the benefit of the principal. I shall keep the assets of the principal separate from my assets. I shall exercise reasonable caution and prudence. I shall keep a full and accurate record of all actions, receipts and disbursements on behalf of the principal. Signature: ~0~, ~ Date: [0[~. 1.0[ JOSEPH A. M~LLI~I~ ' ' - ' ' Acknowledgment by Agent I, PATRICIA ANN MILLER, have read the attached power of attorney and am the person identified as the agent for the principal. I hereby acknowledge that in the absence of a specific provision to the contrary in the power of attorney or in 20 Pa.C.S. when I act as agent: I shall exercise the powers for the benefit of the principal. I shall keep the assets of the principal separate from my assets. I shall exercise reasonable caution and prudence. I shall keep a full and accurate record of all actions, receipts and disbursements on behalf of the principal. PATRICIA ANN MILLER Date: -5- EXHIBIT B 16:34 ~AYPOINT -waypoJnt uanK INVESTMENT GROUP-HBG ID=7 pLATINUM ~O IU$ · ,'~ """~ I,,,llhh,l,,I,l,,I.Ih,,I,l,li..,,llhl,,,,li,I BANKCARD SERVICES P.O. BO3( 15019 WILMi'~GTON, DE 19886-5019 Pdnt chi~,ge ~ '"ddlr~,ll Od' ~ talepho~4 nu1111~t ( ) { ) Home phoee W~ ~ 5490 9980 5101 3598 $1 ':,, 300. '~,.,,..,~ .,.,,,,....,~, ~..rd'l~,,.~.,,,,,I T.,,,.~.,,. www. lbs netaocel~J.conl PAVMENTSANI3CRED~TS 02/02 0312 MC 02/06 3~75 NC 02/09 2758 MC 02/19 02/15 6534 MC PURCHASES ANDADdUSTHENTS 200t 5490998051013598 PAYMEVT DUE D~I~ NE~ ~ALAqC, E TOTAL TOTAL blZ,~i~UM PA~ ~ ~ ~ N 2ND ST 17105-171111 PAUL A MILLER CO TRUST DPT 235 PO BOX 1711 HARRISBURG PA 18 $9.59,.,6 [ 28 j 02/t9/04 FE3RUARY 2004 ,TATEMENT 002703Z~$00005%000005/+9099805101315 g8 $54.00 a 03/19/04 dCPENNEY CO 2712 CAMP HILL PA B9.97 CR HECHT'S #29 CAHP H%LL PA '9.99 CR HECHT'S #29 CAMP HILL PA 29.99 OR PAYMENT - THANK YOU ?.B~9.28 CR 01/23 ol/22 6518 MC C WEIS MARKET #125 CA~P HILL PA 18.14 01/23 0t/22 7845 MC C FOOTS~ART PRODUCTs 800-230-4077 GA MAIL/PHONE 30.47 01/23 01/22 ALO0 ~C C CARP HILL DISTRUROR LEMOYNE PA 74.20 0t/23 01/22 4415 MC C CAMP HILL OISTRU30E LEMOYNE PA 111.30 01/24 01/22 0239 MC C R~TE AID STORE 1074 LEMOYNE PA 01/24 01/23 7351 NC C FOOTSMA~T PRQDUCTS 8O0-230-4077 GA MA~L/PHONE 30.47 01/24 01/23 4048 MC C CAMP HILL D[$TRUBOR LE~OYNE PA 112.3E 01/26 01/25 0994 MC C ~EIS MARKET #125 CAMP HILL PA 14.40 01/27 01/24 8227 MC C THE BGN TON ~31 CAMP HILL PA . 87.9~ 01/27 01/26 6078 MC C KARN$ QUALITY FOOD LEHOYNE PA 32.17 01/28 01/27 7858 MC C ~E[$ MARKET #125 CAMP HILL PA 162.82 01/2~ 01/27 8073 NC C HESS 99256 LEMOYNE PA 14.51 01/30 0~/29 0148 MC C Bd ~HQLESALE #0025 ~OX HARRISBURG PA 109.78 FEB 2 7 ZO0 ENJOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER, i IMPORTANT NEWS CaEDIT PROTECTION: krHAT TOOK YEARS TO PERFECT TAKES dUST MINUTES TO PROTECT. ENROLL TODAY - CALL 1-800-~42-2830. MAKE YOUR LIFE EASIER. USE YOUR 28S CRED[T CARD TO PAY YOUR MONTHLY ~ERVICE PROVIDERS. VZS~T ~.ZBSDIRECTPAY,COM. II I I IIII Il I I II I i II 111£ iii 2 _ · SUMMA.qy OF TRANSACTIONS Pmvioul ~al~n~e (.) Peyme~tte ~? ~ ~19.26 $7,949 · 2~ ~N,M~.~C~IARGE$CHEDULE Cash A~var~e$ A. BALANCE TRANSFERS, CHEOKS,o.o00000% DLY a. ATM, BA~K ................. 0.000000% DLY C, PURCHASES ................... 0.041068% DLY ANNUAL PERCENTAGE RA~ .... SEE ABOVE PLF. A~E SEE REVERSE SIDE FOR IMPORTAN'r..JNF~RMATI~N $0.00 TOtal Pa~. Due Amount .......... ~.oo Cun~nt Pe/mer4 ................. $54. OD Total M~mum P~ Due ........................ $~.00 $0.00 5490 ggso 5101 3598 FOR YOUR SATT, SFACTION, EVERY HOUR, EVERY DAY * F~ Oua~mer SL~J,a~i~l M~ up to Ihe.mblute altm~ted itfa'matfc~ 2~1~ 57N Y 2RT 1~12 0300 PAGE ~ ~F 3 W point Bank I,,,llhh,l,,l,h,l,,ll,. hhlh-,-III,h,,,Iht B~NKCARD SERVICE5 P,O, BOX 15019 WILM]~NGTON, ]DE 19886-5019 F~' ~ ~orrn~ c,~ 1-500-2~3-7046 pdet change d ad¢k'~ss w new ta~p/,~e numbe~ t~ow www, lbsnetacces$.eorn 200t F- 99B0 5101 359B 54~0 PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 18 O02703~400005~0000054,90998051013598 03/~ 9/o~ PURCHASES ANOADdUSYNENTS 01/30 01/29 ?GsO MC C LEHI4AN MOTORS VOLVO MECHANICSBURGPA 570,27 02/02 01/31 2582 MC C HECHT'S #29 CAMP H/LL PA 59.98 02/02 0t/31 0310 MC C JCPENNEY CO 2712 CAMP HILL PA 89.G7 02/02 01/31 2574 MC C HECHT'5 #29 CAHP HILL PA 214,83 02/02 02/01 9748 MC C WEI5 HARKET 4125 CAMP HILL' PA 69.84 02/03 02/02 5445 HC C HEPFER'$ TRUE VALUE LEHOYNE PA 16,00 02/03 02/02 2245 MC C ~E~$ MARKET #425 CA~P H~LL PA 53,67 02/05 02/04 7299 HC C NE~S ~ET ~t25 CAHR HILL PA 55.43 02/09 02/07 ?862 HC C Bd5 FUEL f9025 ~OX HAEE[SBURG PA 18,56 02/09 02/07 213~ MC C BLOCKBUSTER VIDEO ~420 LEHQYNE PA 12,69 02/09 02/07 7185 MC C Bd ~OLESALE ~25 WOX HArRISBUrG PA t66,36 02/10 02/~ 0402 ~C C RITE A[~ $TDRE 1074 LE~OYNE ~A 15.54 0Q/11 O2/Og 0405 HC C STE~HEN~N S FLO~E-FTD LEBANON ~A 95.37 02/11 02/10 ~53 ~C C WEIS ~RKET ~t25 CA~P HX~ PA SS.~8 02/11 02/10 3519 HC C ETH [THEL H CHOCOLATE5 8~-438-4~E6 NV NAZL/P~NE 61.95 02/12 02/10 0450 HC C RADIO SHACK ~1184~9 LE~OYNE PA 6,35 02/12 02/11 6330 HC C uSPS 41~87~43 LEHOYNE PA 16,22 02/t2 02/11 5362 IMPORTANT NEWS · ACCESSING ADOXTXONAL CASH IS EASY! PRESENT YOUR CREDXT CArD AT THE BANK COUNTER, OR CALL 1-800-771-3575 TO REQUEST A PIN CODE FOR USE AT AN ATM. TOTAL MINIMUM pJ~M£NT DUE ~u~ Cu~ P~m~ .............. $54.00 i So.oo ~2,s33.]9 ~ 5o.o0 $o.oo ~2,~0~.4~ T~ ~m P~ $$4.00 F~ YOUR 8A~SFACT/ON, ~Y HOUR, ~Y DAY A. BALANCE TRANSFERS, CHEGK$,0.O00000~ DLY 0.00~ B, ATM, BANK ................. 0.000000% DLY 0.00~ C. PURCHASES ................... 0.04106B% DRY 14.g9~ FOR THIS BILLING PER~OD'. ANNUAL PERCENTAGE RATE. ............ SEE ABOVE 5490 9980 5101 3598 · Far TDD ~'de=~x~mni~la~ B~vice I~ I~o ~ ~, ~ 1~3~17~. ' · yd ~,mm~ ~: ~ S~IGES, P.O. BOX 1~t9, ~TON, ~ f~ m ~eb md~b ~to: 2515 STN Y 2~T tlt2 0~ ~ PAGE 2 OF ~ ' ~ ..... ' ' ' ' ' ' ' 5490 9980 5101 3598 TOT~ ~ ~A~E~ ~ ~ ~D P~)4/84 ~..~.~ h.lll,h,h,l,l,,l,,Ih,,I,l,ll,,,,,,lli,l..,Ihl BANKCA~D $~RVIC~S P.O. BOX 15019 WILMINGTON, DE 19886-5019 o2/1a o2/11 ~/1~ o=/~ 02/16 O2/13 PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX L?L~ HARRIS3URG PA 17105-Z71111 00Z703~00005~000005Z~909980510lB 598 FEBRUARY 2004 STATENENT ~arg~ ~ ~ 0433 NC 043~ MC'- C RITE AZD STORE 1074 LENQYNE PA 0442 ~C C MUELLER S FLO~ER S-FTD EL[ZABETHTO~NPA TOTAL FOR B[LLZHGCYCIE SO.OO t48.12 146.12 $2,833.3~ $?,g49.23 CR IMPORTANT NEWS 6vMMARY OF TRAI~ACTtON~ {,)P~mMfm $7,949.23 (+) $0.00 ~NANCE CHARGE~HEDULE CaS~ AQV&ACe$ A, BALANCE TRANSFERS, CHECKS.o,o00000% OLY B. AT~. BANK ................. 0.000000% DL¥ G, PURCHASES ................... 0.041068~ D~¥ ANNUAL PERCENTAGE PATE.. .......... SEE ABOVE I III IIII!IL _ I TOTAL MINIMUM PAYMeRT DU~ ~ Peymem ............. $t;4.00 J $0.00 J ,O.O0I S2,703.4, ~6 ............................ ~54.00 FOR YOUR ~ATI~F~ON, E~Y H~ ~ERY DAY 25t5 57N Y 2ET 1112 05~ ~ 4 · 549~99805101 3598 I $12,3oo.oo I $4.480.72 34 01/22/04 PosUng IT~an~'~on 1Refe~ce ~a[~ Categ~ Treeage= U~UARY 2004 STATE~E~ PAYMENTS ~D CREDITS 12/27 7421 MC ETH ETHEL M CHOCOLATES 800-43B-4356 NV MAIL/PHONE 01/02 8002 MC PAYMENT - THANK YOU PURCHASES AND ADUUST~ENTS 12/20 12/16 3532 ~C C R[TE AID STORE 1074 LE~OYNE PA I $;1~ .,00 , 62/16/04 Ch&rgea Credits (CF~ 72.00 12/20 12/18 1038 12/20 12/t8 2220 t2/20 12/19 1352 12/20 12/19 1360 12/20 12/19 1378 12/20 12/19 0120 12/22 12/19 6836 12/22 12/19 0300 12/22 12/20 7535 12/22 12/20 4785 12/22 12/20 7711 12/22 12/20 6346 12/22 12/20 0014 12/22 12/20 5345 MC C ONE GOOD WOMAN CAMP HILL PA MC C BORDERS BKS/MU01004555 CAMP HILL PA MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAlL/PHONE MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE MC C NATL BOARD FOR CERT C~ 336-5470607 NC MC C CVS #1622 LEMDYNE PA MC C UNIV PA/WPXN PHILADELPHIA PA MC C THE KOFEE GRINDER CAMP HILL PA MC C BARNES & NOBLE #2046 HARRISBURG PA MC C dD COUNTRY CAMP HILL PA MC C ARM[TAGE GOLF COURSE MECHANICSBURGPA MC C DO IT YOURSELF SPA CAP CAMP H]LL PA MC C ONE GOOD WOMAN CAMP H)LL PA 135.68 251.40 47.44 47.44 47.44 526.00 14.9G 12.49 33.37 47.70 54.00 63.60 75.26 27.20 CR 4,197.01 CE JAN 3 0 200zt IMPORTANT NEWS PI. EASE SEE YOUR NEW PAYMENT DUE DATE ABOVE. IF YOUR TOTAL MINIMUM pAYMENT DUE IS RECEIVED AFTER THE PAYMENT DUE DATE YOU MAY BE ASSESSED LATE FEES, YOU MAY LOSE YOUR PROMOTIONAL RATES, AND THERE MAY BE ADDITIONAL RATE AND FEE IMPACTS TO YOUR ACCOUNT. ALLOW AT LEAST FIVE DAYS MAIL TIME. CREDIT PROTECTION: WHAT TOOK YEARS TO PERFECT TAKES dUST MINUTES TO PROTECT. ENROLL TODAY - CALL 1-800-442-2830. SUMMARY OF TRANSACTIONS I Previous Balance $4,3~97. O] (-) Paymen~ (+) Cash and Credits Advances $4,2.24.21 $0. O0 ~NANCECHARGE$CHEDULE Cal~ Ped~icR~e C~$h A~vances A. BALANCE TRANSFERS, CHECKS.o.o00000% DLY B. ATM, BANK ................. 0.000000% DLY C. PURCHASES ................... 0.041068% DLY FOR THIS BIL.UNG PERIOD: Purchases and: (+) Pedodlc Rate (+) Tran~actloa Fee I IRMANCE CHARQE$ [RCE~QES Adju~entl $7,846.48 [ . $0.00 ~0.00 Co.asking Balance ~n~ SubJe~ to Percen~g~ ~e Financa Charge o. ~% o. 0o% 14.99% $0.00 ANNUAL PERCENTAGE RATE. ................. SEE ABOVE TOTAL MINIMUM PAYMENT DUE PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION. New E~dance Total ~7~619.28 Past Due Amount ................. 60.00 : Cvffent Payment .................. ~;15.0o Tot, al Minimum Payment Due ..................................... 6:t5. O0 5490 9980 5101 3598 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fo~ Customcw SalisfacUm and up Io ~e ~nute auto~l~ ~f=~ ~ ~s bt~ma~, ~ b r~t dup~le sAte~ s. ~ I-BOG - ·Fm TOO ~n~ ~ l~ ~e ~af) a~t~, ~ 1-8~346-3178 · Mini p~ts Io: ~KCA~ SERVICES, P.O. BOX 1~19, WILMINGTON, 1~-~19. · Biling ~hts me ~v~ ~]y ~ ~iltm ~qu~. Md M~9 mqu~, ~g I~m ~ ~e ba~, and o~e ~ki~ to: TON- BANKCARD SERVICES-P.O. BOX 1~26 WI~ING .. 1 ~R50-5026. 7 5~X Y 007 1303 O~ O0 PAGE 1 OF 5 Waypoint Bank ~, ~,.o, I,,,lll,l,,I,,hl,,I,,ll,,,I,l,ll,.,,,llhl,,,,ll J BANKCA~RD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 For eccou, t Inlom, e~o~ c,, 1 -B00-223-7046 Print change et addreea or new t®lepho~e number below ~pLATIN UM pLUS* www.lbsnetaccess.com CARDHOLDER SINCE 2001 ACCOUI'ff NUMBER 5490 9980 5101 3598 PAYMENT DUE DATE NEW BALANCE TOTAL [ 0 /t /04 I ,7.819.28 TOTAL MINIMUM PAYMENT DUE AMOUNT ENCL C~SED DETACH TOP POR130N AND RETURN W~TH PAYMENT PAUL A MILLER CO TRUST DPT 2B5 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 Addre~,a City State 23p ~ > ( ) 18 00781928000015000005690998051013598 Home I~one Wo~< phone Date D~e Numb~ Type U~UARY 2~4 STATENE~ PURCI-LRSES AND ADUUSTMENTS 12/22 12/20 9347 MC C BO WHOLESALE #0025 WOX HARRISBURG PA 12/22 12/21 2723 MC C KARNS QUALITY FOOD LEMOYNE PA 12/22 12/21 3102 MC C WEIS MARKET #t25 CAMP HILL PA 12/23 12/21 35G2 MC C RITE AID STORE 1074 LEMOYNE PA 2/23 12/22 1631 MC C KARNS QUALITY FOOD LEMOYNE PA 2/23 12/22 0785 MC C NATL BOARD FOR CERT CO 335-5470G07 NC 2/24 12/22 7381 MC C BOB FUEL #9025 WOX HARRISBURG PA 2/24 12/22 3579 MC C RITE AID STORE 1074 LEMOYNE PA 2/24 12/22 3579 MC C RITE AID STORE 1074 LEMOYNE PA 2/24 12/22 3579 MC C RITE AID STORE 1074 LEMOYNE PA 2/24 12/23 0335 MC C MOMENTUM FITNESS CENTE LEMOYNE PA 2/24 12/23 0343 MC C MOMENTUM FITNESS CENTE LEMOYNE PA 2/26 12/23 3586 MC C RITE AID STORE 1074 LEMOYNE PA 2/26 12/23 3572 MC C OCPENNEY CO 2712 CAMP HILL PA 2/26 12/23 6384 MC C SEARS ROEBUCK 2624 CAMP HILL PA 2/26 12/24 0015 MC C NEWS CENTER WEST LEMOYNE PA 2/2G 12/24 2516 MC C BO WHOLESALE #0025 WOX HARRISBURG PA 2/26 12/24 6331 MC C WEIS MARKET #125 CAMP HILL PA 194.93 31.74 188.17 75.70 17.25 24.95 18.85 40.24 126.36 418.81 132.00 234.00 12.58 42.40 104.98 20.73 71.36 98.50 Crecilt~ (C,R) IMPORTANT NEWS MAKE YOUR LIFE EASIER. USE YOUR IBS CREDIT CARD TO PAY YOUR MONTHLY SERVICE PROVIDERS. VISIT WWW.IBSDIRECTPAY.COM. SUMMARY OF TRARSACTIONS TOTAL MINIMUM PAYMENT DUE Previous BalanGe $4,197.0! (-) Paymenta and Credlt~ $4,224.21 FINANCE CHARGE SCHEDULE Calegez¥ Advancal AdJuat~ent~ FINANCE CMAR~IE5 FIANCE CHAJ~i3E$ T~,,al ]1 Cun'ent PaymentPamt Due Amount ................. ................. $15.0050. O0 $0.00 $7,846.48 $0.00 ~:0.00 $7,8.1.9.28 Total Minimum Payment Due ...................................... $15.00 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY Corralponcflng Balance Periodic Rate AnnuaJ Subject to * For Cu$lom~ :Sa§slacJJon and up [o Ih* minu[e aulomaled inkxma~;xl iadud~ Percentage Rate Finance C~lrg* batance, available c~e~t, pay**nb received, pa/meats due. due date.payme~ addre~ mf0~mafioa, c~ t0 reque~l duplicale statements, call 1-800-P23-7~, Cash AOvances A. BALANCE TRANSFERS. CHECKS.o.000000% DLY 0.00% B. ATM, BANK ................. 0.000000% DLY 0.00% C. PURCHASES ................... 0.0410G8% DLY 14.99% FOR 7HIS BLUING PERIOD: ANNUAL PERCENTAGE RATE. ................ BEE ABOVE $0.00 5490 9980 5101 3598 · Fez TDD {"felecommunica~an Device tc~ ~e Deal) assislance. cai 1-800-34§-3178. · Mml pa/meats Io: BANKCARD SERVICES, P.O. BOX 15(]19, WILMINGTON 19~86-5019. · Billing dg~ta me pmsezved only by w~ittm inquby. Mail billing inquiries, using f~m on Ihe back. and othe~ inquiries 1o: BANKCARD SERVICES, P.O. BOX 150~6. WILMINGTON. 19859-502~. 7 51X Y 007 1303 0000 W m · ayp,omnt Bank M.~ ~* I.,llhh,h,hh,l,,Ih,,I,hlh,,,.,llhh,,,Ihl BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 For account Intan?latton 0aJI 1-800-223-7046 Pdnt change c~ lldd~ele o( new teie¢~oee number below Aclclrals ])LATIN UM plus- www. ibsnetaccess.com CARDHOLDER SINCE 2001 ACCOUNT NUMBER ' · .... 5490 9980 5101 3598 PAYMENT DUE DATE NEW BAL)NCE TOTAL. 02/16/04 I I $7.819.28 TOTAl. MINIMUM PAYMENT DUE AMOUNT ENCLOSED DETACH TOP PORTION AND RETURN WI~H PAYMENT PAUL A MILLER CO TRUST DPT 235 N ZND ST PO BOX 1711 HARRISBURG PA 17105-171111 c~y SUlm Z3p ( ) ( ) 18 00781928000015000005z, 90998051013598 Home phone Wo~ phone ~ ~ ~ ~ ~ ~ C~ ~ Wllt~ ~ C~g ~ T~I Minim Pa~ ~ P~ ~ ~ Po~ng Tr~ R~erence Crud C~eg~ Tmnild~ ~arge~ ~ed~ (~ Date Dine N~ Ty~ d~Y 2004 STATEMENT PURCHASES AND ADUUSTMENTS 12/26 12/24 4636 MC C 12/27 12/24 4633 MC C 12/29 12/27 9504 MC C 12/29 12/27 4864 MC C 12/29 12/27 9242 MC C 12/29 12/27 3622 MC C 12/29 12/27 8022 MC C 12/29 12/27 7274 MC C 12/29 12/27 7051 MC C 12/30 12/28 3639 MC C 12/30 12/28 6911 MC C 12/30 12/29 7647 MC C '12/30 12/29 7116 MC C 01/02 12/31 5775 MC C 01/02 12/31 1186 MC C 01/02 12/31 7114 MC C 01/03 01/02 6457 MC C 01/05 01/02 0687 MC C DICK BLICK800 447 1892 LEMOYNE PA LIBERTY PRIMITIVE AND LEMOYNE PA HESS 38256 LEMOYNE PA THE HOME DEPOT 4120 MECHANICSBURGPA BIG LOTS #014100014134 CAMP HILL PA RITE AID STORE 1074 LEMOYNE PA BO WHOLESALE #0025 WOX HARRISBURG PA STAPLES #643 LINENS N THINGS #281 RITE AID STORE 1074 STAPLES #643 CALLEN KINBACK, INC. LEHMAN MOTORS VOLVO HESS 38256 WEIS MARKET #125 LEHMAN MOTORS VOLVO MICHAEL'S #2754 BO WHOLESALE #0025 WOX HARRISBURG MECHANICSBURGPA CAMP HILL PA LEMOYNE PA MECHANICSBURGPA LEMOYNE PA MECHANICSBURGPA LEMOYNE PA CAMP HILL PA MECHANICSBURGPA CAMP HILL PA PA 189.71 8.90 4.32 105.97 122.73 159.86 176.98 228.78 220.50 12.17 61.45 73.01 373.33 20.07 59.77 216.26 42.85 87.88 IMPORTANT NEWS SUMMARY OF TRANSACTIONS TOTAL MINIMUM PAYMENT DUE Previous 9alanca $4,197.03 (-) Payments a~d Credl~ $4,224.2] (+) Purchases and I (+) Periodic Rate Adju~anta FINANCE CHARQE8 $7,846 · 48 $0. O0 0.00% 0.00% t4.99% FOR T~S ~LI. JNG P~IOD: ANNUAL PERCENTAGE RAT~ ............. SEE ABOVE ~NANCECHARGE$CHEDULE Gaiety P~odlGRate Cash A~vances A. BALANCE TRANSFERS, CHECKS.o.o0000~~ DLY B. ATM, BANK ................. 0.000000% DLY C. PURCHASES ................... 0.041068% DLY Past Due Am~nt ................. $0.00 E T~ Cu~ent Paym~t .................. ~ ] 5.0 0 ~0.00 ~7,819.28 T~ml Minimum P~ ~e ......................................~15.00 FOR YOUR SATISF~WON, EVERY HOUR, EVERYDAY ~ 1-800-34D3178. · M~ p~ to: BA~C~D SERVICES, P.O. BOX ~i9, WILMINGTON, B~KCA~ SE~ICE8. P.O_ BOX 15026. WI~I~TON~ ~ 198~5026. 7 5tX Y ~7 1303 0000 O0 5490 9980 5101 3598 PAGE 3 OF 5 (+) Caeh Advencea $0.00 Corresponding Balance )¢~nuel Subject to Percen~ge Rate Finance C~arg. ' Way'pbin{ Bank pLATINUM plus° www. ibsnetaccess.com CARDHOLDER SZNCE 2001 BA~CARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 F~ account Intmmaaon c~l 1-800-~7~8 Print change ~ address ~ nm t~e~one ~ ~ ( ) ( ) Home p~one WoI~ phone ACCOUNT NUMBER , ~ ', '' 5490 9980 5101 3598 PAYMENT DUE DATE NEW B,N. ANO£ TOT~L I 02/16/04. [ $7,819.28 TOTAL MINIMUM PAYMENT DUE AMOUNT ENCLOSED DETACH TOP PORTION ,eND RETURN WrfH PAYMENT PAUL A MILLER CD TRUST DPT 235 N ZND ST PO BOX 1711 HARRISBURG PA 17105-171111 5490 9980 5101 3598 t $12, 300. O0 Poatlng Tran~ion I:l~m'e~ce ~rd Catego~ Tranea~e Dm D~ Nu~r Ty~ PUR~ASES ~ ~dUST~E~S 01/05 01/04 0042 MC 01/05 01/04 4884 MC 01/06 01/04 1819 MC 01/09 01/07 6383 MC 01/09 01/0.7 8568 MC 01/09 01/08 6977 MC 01/12 01/09 0101 MC 01/12 01/10 0118 MC 01/12 01/10 7639 MC 01/12 01/11 0526 MC 01/15 01/14 2082 MC 01/16 01/15 2091 MC 01/16 01/15 6862 MC 01/17 01/15 0162 MC 01/17 01/16 4438 MC 01/17 01/16 4420 MC 01/20 01/16 9664 MC Ol/20 01/18 5006 MC 18 $4. 480. 72 34 UANUARY 2004 STATEMENT C RITE AID STORE 1074 C BO WHOLESALE #CX)25 WOX C BUS FUEL #9025 WOX C UOANN FABRIC #1131 C LINENS N THINGS #281 C Bd WHOLESALE #0025 WOX C RITE AID STORE 1074 C RITE AID STORE 1074 C Bd WHOLESALE #0025 WOX C WEIS MARKET #125 C WEIS MARKET #125 00781928000015000005~-90998051013598 C/oe~n~ ~ To~/M/~mum Pa~ Due Payment 01/22/04 $15.00 C WEIS MARKET #125 C FOOTSMART PRODUCTS C RITE AID STORE 1074 C FOOTSMART PRODUCTS C FOOTSMART PRODUCTS C BLOCKBUSTER VIDEO #420 C Bd5 FUEL #9025 WOX LEMOYNE PA HARRISBURG PA :'' HARRISBURG PA LEMOYNE PA CAMP HILL PA HARRISBURG PA LEMOYNE PA LEMOYNE PA HARRISBURG PA CAMP HILL PA CAMP HILL PA CAMP HILL PA 800-230-4077 GA MAIL/PHONE LEMOYNE PA 800-230-4077 GA MAIL/PHONE 800-230-4077 GA MAIL/PHONE LEMOYNE PA HARRISBURG PA Chlrgel 142.94 161.26 16.30 121,30 189.81 ~48.29 250.60 15.99 47.73 62.41 44.88 40.29 235.75 20.00 16.96 48.91 11.12 17.78 02/16/04 ~ed~(C~ IMPORTANT NEWS ~UMMARY OF TRANSACTIONS I TOTAL MINIMUM PAYMENT DUE Predaus B&lence ~4,197.0t (-) Payments and Credits $4,224.21 FINANCE CHARGE SCHEDULE Caleg~y Cash Advances Advlmc®a AdJu~eaU FI~CE C~L&R~'a~l FII~[~{C~. CHAR~8 T~t~l Peat Du® ~ount ................. $0.00 Current Payment .................. ~; ;15.00 $0.00 $7,846.48 $0.00 $0.00 $7,819.28 To~al Minimum Payment Due ...................................... $15.00 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY corresponding Balance pe~odlc ~ Annual Subject to · Fc~ C~al0fl~' .~l~tacl~fl and up to ~e minule automated inlorma6~ ~c. Judng Percentage Rate Flaanc® Charge balance, ava~able c~edt, payrolls ~ece~ved. paymonls due. due date, payme~l address info~ma~ca, o~ t0 reques duplicate slateme~t=, cell 1-800-223-704~ A. BALANCE TRANSFERS, CHECKS.o.o00000% DLY 0.00% B. ATM, BANK ................. 0.000000% DLY C. PURCHASES ................... 0.041068% DL¥ 14.99% I r'OR THIS ~IL~.fN3 PERIOD: I ANNUAL PERCENTAGE RATE ............ SEE ABOVE I $0.00 5490 9980 5101 3598 · Fox TDD (Telecommunicalx~ Device lot Ifle Deal) assislance, ca~ 1-800-346-3178. · Mai peyme~ls to: BANKCARD SERVICES. P.O. BOX 15019. WILMINGTON, 19e86-5019. · Billing rights ate prosmved only by wfillee inqui~/. Idafl biling inquiries, using fo~m on the back, and obSer inc~uirie=, to: BANKC.auqO SFRVICFR. P.O. BOX 15026. WILMINGTON. 19850-5026. '7 51X Y OOT 1303 OOOO OO PAGE 4 OF 5 Way'ppint Bank I,,,lll,l,,l'.,hh,l,,Ih.l,l.lh,.,,lll,l,,,,Ihl BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 ]'~ I. ATI N U M I)LU$' www. lbsnetaccess.com CARDHOLDER SINCE 2001 ACCOUNT NUMBER 5490 9980 5101 3598 PAYMENT DUE DATE NEW BALANCE TOTAL I 02/16/04 , [ $7,819.281 TOTAL MINIMUM PAYMENT DUE AMOUNT ENCLOSED DE'I'ACH TOP PORTION AND RETURN WTTH PAYMENT Fo~ account ~-m-~m c,~l 1-800-223-7046 Print change of idek'sea o~ ne~ ~e~epho~a nun~ber below C~ ( ) Home phone PAUL A MILLER CO TRUST DPT 235 PO BOX 1711 HARRISBURG PA N 2ND ST 17105-171111 5490 9980 5101 3598 Posting Trenaactton ~mlce Card Date Oma Numbs' Type PURCHASES AND ADdUSTMENTS 01/20 0t/18 9286 MC 01/20 01/18 3394 MC 01/20 01/19 0226 MC 01/20 01/19 0375 MC 01/21 01/20 0137 MC 01/22 01/20 4122 MC 01/22 01/20 0215 MC 01/22 01/21 4250 MC C KARNS QUALITY FOOD C BO WHOLESALE #0025 WOX C CAMP HILL DISTRUBOR C LEI LANDS END CLOTHING C CLASSIC DRYCLEANER C dOANN FABRIC #1131 C RITE AID STORE 1074 C Bd WHOLESALE #0025 WOX TOTAL FOR BILLING CYCLE FROM 12/20/2003 LEMOYNE PA HARRISBURG PA LEMOYNE PA 800-332-4700 WI MAIL/PHONE LEMOYNE PA LEMOYNE PA ~ LEMOYNE PA HARRISBURG PA THROUGH 01/22/2004 30.32 149.58 86.43 161.43 48.28 30.71 133.86 91.68 $7,84B.48 S4.224.21 CF MPORTANT NEWS III ~UMMARY OF TRANSACTIONS Pf~vI~I Balanoe ~4,197o01 Payments and C.41~ dlt I $4~224.21 (+) Cash $0.00 (+) Pumhaaes and AdJuat. m ent.~ $7,846.48 F+) Pedodlc Rate INANCE CHARQEI ~0.00 i~i~L~j) Transaction Fee CE CHARGES $0.oo (=) New Balance Total ~7,819.28 rOT.N. MINIMUM P~MENT DUE Put Due Ammmt ................. $ 0.00 C~ant Payment .................. $15.00 Tc~al Minimum Payment Due .....................................$15.00 ~NANOECHARGE$CHEDULE Calegoty P~od~cR~e Cash Advances A, BALANCE TRANSFERS, CHECK5.o,o00000% DLY B, AT~, BANK ................. 0.000000% DLY C, PURCHASE5 ................... 0,041068% DLY ~ T~S B[LING PERIO0: ANNUAL PERCENTAGE RAT[ ................. BEEABOVE Corresponding Perr, e~tage Rate 0.00% O. 00% 14.99% ~ul~ect to Finance Charge $0.00 5490 9980 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · F(~ Cusl~me~ Sa§slactim and up lo the mi~ule aulomaled in f~malk~ mclu~H balance avalable credit, paymml$ leceived, pefmmts due, due dale,payme~ address info~ma§~, o~ to request duplicate alalerne~lc, caJl J-BOO-~P3-704 · F~'~D[') ~elecommuaicatioa Devicelo~ the Deaf) assistance, ca~ 1-800-346-3178 · Mail paymmts to: BANKCARD SERVICES, P.O. BOX 15019, WILMINGTON, 19~86-50~9. · Bil~g r~hts me preserved oaly by wdtlea inqu~, Mail billing hquiries, using h~m m the back, sad ~be~ in(~Jiries Io: BANKCARD SERVICES P O BOX 1-r'~76. WILMINGTON. 7 51X Y 007 1303 0000 O0 510t 3598 PAGE 5 OF 5 PLEASE SEE REVERSE SIDE FOR IMPORTANT "- 54U099805101 3598 $12.3oo.oo ] $B.1o2.99 I 30 12/19/o3 PoeUng Tr~ Reference Card Cmegow Traneec~oe. DECEMBER 2003 STATEME~ PAYMEN'T~D CREDITS C~mgee 12/18 1910 MC PURCHASES AND ADJUSTMENTS 11/20 11/18 3232 MC 11/24 11/22 7139 NC 11/24 11/22 8114 NC 11/24 11/22 0632 NC 11/24 11/23 1034 NC 11/25 11/23 3286 MC 11/25 11/24 0390 NC 11/25 11/24 1310 NC 11/26 11/25 6909 NC 11/26 tt/25 3026 MC 11/28 11/25 3308 NC 11/28 11/25 0048 NC 11/28 11/26 0233 MC 11/28 11/26 0800 MC 11/28 11/26 8295 MC 11/29 11/28 3926 NC PAYMENT - THANK-YOU C RITE AID STORE 1074 LEMOYNE PA C BdS FUEL #9025 WOX HARRISBURG PA C Bd WHOLESALE #0025 WOX HARRISBURG PA C WEIS MARKET #125 CAMP HILL PA C KARNS QUALITY FOOD LEMOYNE PA C RITE AID STORE 1074 LEMOYNE PA C Bd WHOLESALE #0025 WOX HARRISBURG PA C WEIS MARKET #125 CAMP HILL PA C WEIS MARKET #125 CAMP HILL PA C Bd WHOLESALE #0025 WOX HARRISBURG PA C RITE AID STORE 1074 LEMOYNE PA C RADIO SHACK 00118489 LEMOYNE PA C A & A AUTO PARTS STORE LENOYNE PA C KARNS QUALITY FOOD LEMOYNE PA C WEIS MARKET #125 CAMP HILL PA C USPS 41348?0043 LEMOYNE PA 18.00 17.34 79.92 70.65 39.10 8.49 51.36 126.16 56.82 84.43 19.50 52.99 9.29 12.50 40.64 8.GG 61/211o4 Cmd~a (c~ 2,568.13 CR IMPORTANT NEWS SUMMARY OP TRANSACTIONS ~2,568.13 AN IMPORTANT AMENDMENT TO YOUR ACCOUNT TERMS IS ENCLOSED. YOUR CREDIT LINE IS INCREASED TO THE AMOUNT SHOWN ABOVE! USE IT TO TRANSFER OTHER ACCOUNT BALANCES TO THIS ACCOUNT. CALL 1-800-615-3277. CREDIT PROTECTION: WHAT TOOK YEARS TO PERFECT TAKES dUST MINUTES TO PROTECT. ENROLL TODAY - CALL 1-800-442-2830. Advancea (+) Purchases AdJustmen~ ~4,197.01 Payments mid Credlta ~2,568-*l 3 ~NANCECHARQE$CHEDULE C~egal~ Pa~lcRate Cash AOvances A. BALANCE TRANSFERS, cHECKS.o.o00000% DLY B. ATH. BANK ................. 0.000000% DLY C. PURCHASES ................... 0.041068% DLY FOR THIS BILLING PER~OD: ANNUAL PERCENTAGE RATE. ............. SEE ABOVE PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION, TOTAL MINIMUM PAYMENT DUE (+) Pedodl= R~e (+) Tranuc~on Fee IRNNtCE CHA.qQEll FINANCe. CHAR~IEg j $0.00 $0.00 (-) New B~an~e 9o .oo Total ~3.5.00 ~4,197.01 ~15 .oo 'r FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY . For Customor SalJslacl~ a~d up to ~e Irdnule automated inlo~malJo~ indudi,~, add[ess intarm~, a lo request dup~ stNemenls, ~ 1 - · For TDD ('Telecommunicalim Device la' Ire Deal) aa 1-800-346-3178. · Hail paymenls lo: BANI(CARD SERVICES, P.O. BOX 15019. WILMINGTON, [ 19686-501g. lam on I~e back a~d o~e~ inmiries to: BANKCARD '~ERVICES P.O BOX 150~6 WILMINGTON. [ IgR~O-~6. ' 6 52C Y 006 1203 0000 O0 0.00% O. O0% 14.99% IP&~t Due Amount ................. Current P~,yment .................. Total Minimum Payment $0.00 5490 9980 5101 3598 PAGE 1 OF 5 · ~' ~'~ 1,,,111,1,, h,l,l,,I,,ll,,,I,l,ll,,,,,,lll,l,,,,ll,I BANKCA.RD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 account Information call 1-800-223-7046 Print change ot' addrees or new telephone number b~ Addr,:ss ¢ ) Home phone www. lbsnetaccess.com CARDHOLDER SZNCE 2001 ACCOUNT NUM'z;£R 5490 9980 ~1'01 35~8 PAYMENT DUE DATE NEW BALANCE 70TAL TOTAL MINff~4UM PAYMENT DUE AMOUNT ENCLOSED DETACH TOP PORTION AND RETURN WITH PAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 ~,ate ( ) 18 00419701000015000005~90998051013598 Work phone C.~dtt LJr~ ~ or C~it A~I~ ~1/,.~ O~ C~n~ ~ T~ Minim ~ ~ ~ ~e ~ Tranaa~on R~er~ G~d C~eg~ ~ Tr~ Date Num~ Type DECEMBER 2~3 STATE~E~ Chargel Cred~ (C~ Posting Date PURCHASES AND ADdUSTMENTS 11/29 11/28 5916 MC C 12/O1 11/28 2639 MC C 12/O1 11/28 2662 MC C 12/O1 11/28 3324 MC C 12/O1 11/28 4610 MC C 12/O1 11/28 0424 MC C 12/01 11/29 4156 MC C 12/01 11/29 6549 MC C 12/01 11/30 5690 MC C 12/O1 11/30 9433 MC C 12/02 11/30 3352 MC C 12/O2 12/O1 7782 NC C 12/02 12/O1 2838 MC C 12/03 12/01 3369 MC C 12/05 12/04 5530 NC C 12/05 12/04 ~522 MC C 12/05 12/04 5779 MC C 12/05 12/O4 9881 MC C HEPFER'5 TRUE VALUE LEMOYNE HESS 38256 LEMOYNE HESS 38256 LEMOYNE STEPHENSON S FLOWE-FTD LEBANON BO WHOLESALE #0025 WOX HARRISBURG RADIO SHACK 00118489 LEMOYNE WEIS MARKET #125 CALLEN KINBACK, INC. WEIS MARKET #125 HIGHLAND GARDENS RITE AID STORE 1074 WEIS MARKET #125 CALLEN KINBACK, INC. RITE AID STORE 1074 HEPFER'5 TRUE VALUE HEPFER'S TRUE VALUE HEPFER'S TRUE VALUE WEIS MARKET #125 CAMP HILL LEMOYNE CAMP HILL CAMP HILL LEMOYNE CAMP HILL LEMOYNE LEMOYNE LEMOYNE LEMOYNE LEMOYNE CAMP HILL PA 12.69 PA 19.34 PA 15.97 PA 37 08 PA 46.59 PA 66.76 PA 15.41 PA 607.56 PA 8.47 PA 57.13 PA 16.94 PA 21.36 PA 148.67 PA 39.79 PA 4.00 PA 14.14 PA 34.68 PA 82.97 IMPORTANT NEWS SUMMARY OF TRANSACTIONS TOTAL MINIMUM PAYMENT DUE Balance (-) Paym enf~ and C~edlt~ $2,568.33 $2,568.13 (+) Cash Advaam $0.00 (+) Purchases and Ac~Jus~ment~ 197. O1 PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORbIATION. Come~-pondlng Annual Percentage Rate o. 00% O. OO% 14.99% )Periodic Rate (+) Transaction Fee I (=) New Balance NA~CE CHARQES FINANCE CHARGES Total Pa~t Due Amount ................. $o .oo C~rrent Payment .................. $i5.oo 60.00 $0.00 $4,197.01 Total Minimum Payment D~e ...................................... $15.00 B~l,mce FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY gubJect to · Fox Custome~ Satislaclien and up Io lite mule aulomaled infcxmalie~ indudmg, Finance Charge baJance,.available c~edil, payme~ls reCaVed, paym~l= due, due dale,payme~l address ;nf;xmaUcn, (x to request duplicate slalement$, ca~ 1-800-223-7046. · F0~ TDD ('Te~ecommunicatke Devicefc~ I~eDeaf) assistance, ed 1-800-346-3178. · Mailp~ynmls lo: BANKCARD SERVICES, P.O, BOX 15019, WILMINGTON, DE $O. GO 19~6-5019. · Bi/lng ri~L~ me pres~ved cely by wtillen inquiry, Mail biling inqukies, using tom on Ule back and olhe~ in0uiries Io: BANKCARD'SFRVICEg, P.O. BOX 15026, WILMINGTON. DF 19850-5026. 6 52C Y 006 1203 0000 O0 5490 9980 5101 3598 PAGE 2 OF 5 FOH THIS BILLING PERIC~: ANNUAL PERCENTAGE RATE. ................ SEE ABOVE ~NANCECHARGESCHEDULE C~etFxy PedodtcRate Cash A~vances A. BALANCE TRANSFERS, CHECKS-o. OOOOOO% DLY B. ATM, BANK ................. O.OOOOOO% DLY C. PURCHASES ................... O.O41068~ DLY "Wa point Bank ,.. ==k h,,llhh,h,hh,l,,Ih,,hhlh,,,,,llhl,,,,Ihl BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 For acco~n~ Intomta~on c~ 1-800-223-7046 Print change oi' ectck'ela or new tltlptto~l flumb~' below I~LATIN UM ]) Lr3$& www.lbsnetaccess.com CARDHOLDER SXNCE 2001 ACCOUNT NUMBER · ~ . , , ' PAYMENT DUE DATE NEW BALANCE TOTAL TOTAL MINIMUM PAYMENT DUE AMOUNT ENCLC~ED J~7'ACH TOP PORT/ON AND RETURN WiTH PAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 c~y ~ ( ) ( ) 18 OOt~19701000015000005t~90998051013598 P~ng Tr~m ~oe I~ C~ TraMm~* ~arge, ~ (C~ ~ ~ ~ l~vm DECEHBER 2~3 $TATEME~ PURCHASES AND ADUUSTMENTS 12/o8 12/08 12/08 12/1 12/1 12/1 12/t 12/1 12/1 12/1 12/1 12/1 12/12 12/12 12/12 12/12 12/12 12/12 12/05 3781 MC 12/05 0433 MC 12/06 8789 MC 12/09 1614 MC 12/10 5714 MC 12/10 5722 HC 12/10 5730 MC 12/10 574B MC 12/10 5755 MC 12/10 5763 NC 12/10 9889 HC 12/10 5771 MC 12/11 1690 MC 12/11 1708 MC 12/11 1716 MC 12/11 1880 HC 12/11 1914 HC 12/11 1724 MC C BUS FUEL #9025 WOX C BO WHOLESALE #0025 WOX C BO WHOLESALE #0025 WOX C CRACKER BARREL #374 C ETH ETHEL M CHOCOLATES C ETH ETHEL H CHOCOLATES C ETH ETHEL H CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C WEIS MARKET #125 C ETH ETHEL M CHOCOLATES C ETH ETHEL H CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL H CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL ~ CHOCOLATES HARRISBURG PA HARRISBURG PA HARRISBURG PA HARRISONBURG PA 800-438-4356 NV HAIL/PHONE 800-438-4356 NV MAIL/PHONE 800-438-4356 NV HAIL/PHONE 800-438-4356 NV HAIL/PHONE 800-438-4256 NV MAIL/PHONE 800-438-4356 NV MAIL/PHONE CAMP HILL PA 800-438-4356 NV HA[L/PHONE B00-438-4356 NV HAIL/PHONE 800-438-4356 NV HAIL/PHONE 800-438-4356 NV MAIL/PHONE 800-438-4358 NV HAIL/PHONE 800-438-4356 NV MAIL/PHONE 800-438-4356 NV MAIL/PHONE 17.38 114 21 109 92 19 24 21 70 21 70 21 70 37 15 37 15 37 15 77 67 147 44 21 70 21 70 21 70 21 70 21 70 37 15 IMPORTANT NEWS SUMMARY OF: TRANSACTIONS TOTAL MINIIIUil PAYMENT DUE Previa BaJ~e (-) Paymena I (+) CHh ina Crad~l I A~vm~ces $2 , 568.13 ~2 , 568 . 13 $0 . O0 FIN~CE CHLOE SCHEDULE Cal~ PeHodlo Cash Aavances A. BALANCE TRANSFERS, CHECKS-O.O~ DLY B. ATM, BANK ................. 0.0000~% DLY C. PURCHASES ................... 0.04 10~8% DLY I(+) Purchuea and AdJu~ $~, 197.01 PLEASE SEE REVERSE SIDE FOR IMPORTANT INgORIvL4Tk'~ld Cone~,pon ding A~lnual Pmcentage Rata, 0.00% o.oo% 14.99% CHA~QES F~CE C~8 Pa~ ~e ~nt ................. $0.00 ~ Pa~ent .................. ~ ] 5.00 ~0.00 ~0.00 ~4.~97.0~ T~I Mlnlm~ Payment Due ...................................... $]5.00 aalan~. FOR YOUR SATISFACTION, ~ERY HOUR, EVERY DAY SubJe~ to · F~ ~sl~ S~fa~ ~d up to ~e ~ule ~t~l~ ~fa~ int:iu~ng Finance Ch~ge ~, ~ ~t, p~Is r~, p~m~b ~e, ~e ~,paym~t ·Fm TOD ~mu~ D~i~ 1~ ~e D~ ~ 1-8~-346-3178. · M~mmts lo: ~NK~ SER~CES, P.O. BOX 1~19, WILMI~TON, $0. ~ · ~ ~i~ts ~e p~ m~ by ~m b~, M~ bill~g ~i~. using ~m ~ ~e back ~d ~ ~au~im ~: BANKCA~ 'SE~IC~S. P.O_ BOX 1~26: WI~INGTON. I g~50-5026, 6 52C Y ~6 1203 0000 54B0 9980 5101 35~8 PAGE 3 OF 5 FOR TI-8S BtLUNQ PERIOD: r ANNUAL PERCENTAEIE RATE. ............. SEE ABOVE Wdypoint Bank ]~ I. ATIN UM pLUS. www. ibsnetaccess.com M~ c~.~* J,,,JJJfJ,,J,,J,J,,J,,JJ,,,J,J,Jj,,,,,,jjj,j,,,,jj,j BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 Fa~ accel Ir~am~atlon ~ 1-8~-223-7046 ~t oh~ge ~ a~ela ~ n~ telephone num~ ~J~ Addreem CARDHOLDER SINCE 2001 ACCOUNT NUMBER 5490 9980 5101 3598 PAYMENT DUE DATE NEW BALANCE TOTAL J 01/2t/0411 $4,197.01 TOTAL MINIMUM PAYMENT DUE AMOUNT ENCLOSED DETACH TOP PORTION AN~ RETURN WITH PAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 City SteLe ( ) ( ) 18 m Home phone Work phone ~co~un~ Number C~it Line C~eh or C~tt Available 5490 9980 5101 3598 S12,300.00 J S8,102 Po~Ung Trannacfl~n Ret®re,'lce Cam~d J c~tego~y Tr&n. lactlona Date Cate Number lype J DECEMBER 2003 STATEMENT PURCHASES AND ADdUSTHENTS OOglg701000015000005990998051013598 m,'mr~ ~/e Ck)eln~ DeLe Tome Mt~m Pa~ ~ Pe~ ~ ~ 30 12/19/03 ~ $15.00 [ 01/21/04 ~argea Cred~ (~ MAIL/PHONE MAIL/PHONE MAIL/PHONE MAlL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE 12/12 12/11 1732 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV t2/12 12/11 1740 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 12/12 12/11 1757 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 12/12 t2/11 1765 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 12/12 12/11 1773 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 12/12 12/11 1781 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 12/12 12/11 1799 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 12/12 12/11 1807 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 12/12 12/11 1815 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 12/12 12/11 1823 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 12/12 12/11 1831 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 12/12 12/11 1849 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 12/12 12/11 1856 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 12/12 12/11 1864 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 12/12 12/11 1872 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 12/12 12/11 1898 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 12/12 12/11 1906 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 12/12 12/11 1922 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV 37,t5 37.15 37.15 37.15 37 15 37 15 37 15 37 15 37 15 37 15 . 37 15 37 15 3715 3715 37.15 37.15 37.15 37.15 IMPORTANT NEWS SUMMARY OF TRANSACTIONS Previous BM~mce (-) Payments a~d Czed~ $2,568.13 $2,568.13 (+) Caah J (+) Purchases ~nd I [+) Periodic Rate Advancel J AdJuatmen~ FINANCE CHARQE$ $0.00 ~ ~4~197.01 ~0.00 FINANCE CHARGE SCHEDULE Corresponding Category Periodic Rm~e A~lnuel Cash Advamces Perc~mge ~te J:lN) Tcan.acflon Fee CE CHARGES $0.00 (=) New Bal~ce Tote] $4,19'/. O1 TOTAL MINIMUM PAYMENT DUE Past Due Amount ................. $ 0. O0 C4m~nt Payment .................. $15.0 0 Tcf~J Minimum Peyme~t D~e ...................................... ~15.00 Subject to Finance Charge FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · For Cuslomer Sa6sfaclJoa a~d up to th(] minute aulomaled iaformalJon indud~g. baleace, avm]ab/e c~edi~ paymenls recaVed, pm/meals due due dale paymeal address i~f,~'mat~m, m Io inquest dul~icale slalemeals, ~ 1-800-~P3-704~ A. BALANCE TRANSFERS, CHECKS'o.o00000% DLY 0.00% B. ATM, BANK ................. 0.000000% DLY 0.00% C, PURCHASES ................... 0.041068% DLY 14.99% FOR TH~ ~LLING ~RIOD! ANNUAL PERCENTAGERAT~ ............... SEE ABOVE PLEASE SEE REVERSE SIDE FOR IMPORTANT INFC)IqMATICH~ $0.00 5490 9980 5101 3598 · Fo~ TDD ('Telocommunicafioe Device fro' Ihe Dea0 assistance, ~ 1-800-346-3178. · Mail payme~ls lo: BANKCARD SERVICES, P.O. BOX 15019, WILMINGTON, DE 19886-50~9. · Biting rights are preserved ooly by ~illm inqub/. M,m b~g ~q~dries, using Ic~'m on tim ba~, and olhee inquiries lo: BANKCARD S[::RVICES. P.O ROX 150P6~ WILMINGTON D: 6 52C Y 006 1203 0000 O0 PAGE 4 OF 5 ,' Waypoin, t Bank M.*. ,:~,~ I"'llhl,,h,hh,h,lh,,hhlh,,,.llhh,,,Ihl BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 Fo~ account Infoonatlo~ call 1-600-223-7046 Print change of addteis or new telephmle number below Addr~ City ~tate 23p ( ) ( ) pLATINUM pLUS' www. Jbsnetaccess.com CARDHOLDER SINCE 2OO1 .iL'~"OUNT NI.]MBER 5490 9980 5'101 3598 PAYMENT DUE DATE NEW BAL,alVCE TOTAL 70TAL M/N/MUM PAYMEN'"r DUE AMOUNT ENCLOSED DETACH TOP PORTION AND RETURN WITH PAYMENT PAUL A MILLER CO TRUST DPT 235 PO BOX 1711 HARRISBURG PA N 2ND ST 17105-171111 Home phone Wofl< phone ,~ooou~t Number Cmd/t/Jn~ ~ or C¢~d# Av~l~le 18 00419701000015000005~,90998051013598 ai/~ c'y~e C4ce/ng Da~ To~l Mlnln~m ~ ~ ~ ~ ~ t2/19/03 I $15.00 [ 01/21/04 ~argei Cred~ (~ PosU,ng 5490 9980 5101 3598 ~,an..~,~, R.~.~.,o. re.,, I c,..,~ I Date Numb~ Type PURCHASES AND ADdUSTMENTS 12/12 12/11 1930 MC 12/12 12/11 1948 MC t2/12 12/11 1955 MC 12/12 12/11 3178 MC 12/12 12/11 1015 MC 12/15 12/13 3155 MC 12/15 12/13 5571 HC 12/15 12/14 3657 MC 12/16 12/14 3497 MC 12/16 12/15 2194 MC 12/16 t2/15 3549 MC 12/17 12/15 0375 MC 12/17 12/15 0201 MC 12/18 12/17 6330 NC 12/18 12/17 0051 NC 12/t9 12/17 2326 Nc 12/19 12/18 5569 NC $12,300.00 t $8,102.99 30 DECEMBER 2003 STATEMENT C ETH ETHEL N CHOCOLATES C ETH ETHEL N CHOCOLATES C ETH ETHEL M CHOCOLATES C KARNS QUALITY FOOD C Bd WHOLESALE #0025 WOX C BUS FUEL #9025 WOX C WEIS MARKET #125 C KARNS QUALITY FOOD C RITE AID STORE 1074 C KARNS QUALITY FOOD C KARNS QUALITY FOOD C HESS 38256 C HESS 3825G C KARNS QUALITY FOOD C LUFF LAWN AND GARDEN C UNIV PA/WPXN C TOTAL FOR BILLING 800-438-4356 NV MAIL/PHoNE 800-438-4356 NV MAIL/PHONE 800-438-4356 NV MAIL/PHONE LEMOYNE PA HARRISBURG PA HARRISBURG PA CA~P HILL PA LENOYNE PA LEMOYNE PA LEMOYNE PA LEMOYNE PA LEMOYNE PA LEMOYNE PA LEMOYNE PA CAMP HILL PA PHILADELPHIA PA ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE CYCLE FROM tl/20/2003 THROUCsH 12/19/2003 37.15 37.15 37,15 41.03 60.53 17.27 42.02 128 46 11 64 22 O0 57 14 16 46 25 25 42 38 94 23 29.99 $4,197.01 $2,568.13 CR IMPORTANT NEWS SUMMARY OF TRANSACTIONS Previous Balance (-) Payments I (+) Cash And Credits I kdvancem $2,568.13 $2,568.13 $0.00 FINANCE CHARGE SCHEDULE Category Pedodlc Rate Cash Advances A. BALANCE TRANSFERS, CHECKS.o.o00000% DLY B. ATM, BANK ................. 0.000000% DLY I(+) Purchases and AdJus~enh, $4,197.01 C. PURCHASES ................... 0.041068% DLY 14.99~ FOR THIE BILLING PERIOt~: ANNUAL PERCENTAGE RATE. ............ ~EE ABOVE PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATICJN TOTAL MINIMUM PAYMENT DUE :-~} PedodJc RAta MINCE CHARQES $0.00 C<~eqoc~dlng A~rmal Percentage R~te O. 00% Finance Ch-'ge i[]-i~) Trense,~l:ion Fee I (') New Balance CE CHARGEw~ To~ai Peat Due Amount ................. $0.00 Current Paymsnt .................. $15.00 $0. O0 $4,197.0 ! Tetal Minimum Payment Due .................................... $15.00 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fc~ Cu;lomer S&ti$lac6oo ~'td up to file m/sure automated in c~malioo nduding, balance, avml~le credt, paymmls recaved, payme~!s due, due dale.paymeal address i~famalion, ot Io request duplicate statemmts, cai 1-800-223-7046 °F~ TDD [Tdecomm~nica~m Device kx file Deal) ass~slance, cas 1-800-346-3178. · Mail paymeels Io: BANKCARD SERVICES, P 0 BOX 15019, WILMINGTON DE $0, O0 19~B6-50tg. · Billing rig/~Is ~e presemmd ely by ,~illan inq~. Mai trilling inqui'kas, usiag Iorm on Ihe back and olhg~ BAMKCARD SERVlCFS_ 19850-5096. ' ' ' 6' 52C Y 006 1203 0000 O0 5490 9980 5101 3598 PAGE 5 OF 5 * Waypoiot' Bank ,~. c~.~I,,,111,1,,I,,I,1,,I,,11,,,I,1,11,,,,.,111,1,,,,11,1 BANKCARD SERVICES P,O, BOX 15019 WILMINGTON, DE 19886-5019 F~' aOGOUat Info~matio~ call 1-800-PP3-7046 Pdnt change of address o{' ~ telephone number below Address C~ty State ZIp ( ) ( ) www.ibsnetaccess.com CARDHOLDER SINCE 2001 ACCOUNT NUMBER , ~, ~ , , , 5490 9980 5101 3598 PAYMENT DUE DATE NEW BALANCE TOTAL 12/18/03 ] I $2,568.13 ~OTAL MINIMUM PA'I~IENT DUE AMOUNT ENCLOSED DETACH TOP PORTION AND RETURN WITH PAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 Home phone Work phoae Aczxx~nt N',#r~.~e~ C4mo~ L~ne PosUng '. Transection Re(erenca Card Oategol-/ Tre~l&Gtionl Date I Date Number Type PAYMENTS AND CREDITS 11/17 6551 MC PAYMENT - THANK YOU PURCHASES AND ADUUSTMENTS 10/24 10/22 2963 MC 10/27 10/25 7986 MC 10/27 10/25 4554 MC 10/27 10/25 7038 MC 10/29 10/27 5164 MC 10/29 10/28 1719 MC 11/O1 10/30 6679 MC 11/O1 10/30 3045 MC 11/O3 10/31 3051 MC 11/O3 11/O1 3068 MC 11/O3 tl/O2 7745 MC 11/O5 11/O3 0059 MC 11/O5 11/O3 (i)O42 MC 11/O5 11/O4 5768 MC 11/O6 11/O5 0065 MC 11/O7 11/O6 3918 MC 18 $9,131.87 29 11/19/03 NOVEMBER 2003 STATEMENT Charges 00256813000015000005Z~90998051013598 PnJ~'~nt Due Date 12/18/o3 C~ed~t~ 10.4B 17.75 109.63 185.60 29.09 22.20 1B.09 26.35 36.00 20.43 108.52 47.70 183.95 197.52 15.00 19.45 C RITE AID STORE 1074 C BUS FUEL #9025 WOX C WEIS MARKET #125 C Bd WHOLESALE #0025 WOX C HESS 38256 C WEIS MARKET #125 C HESS 38256 C RITE AID STORE 1074 C RITE AID STORE 1074 C RITE AID STORE 1074 C WEIS MARKET #125 C LEMOYNE SLEEPER CO INC C LEMOYNE SLEEPE~ CO INC C Bd WHOLESALE #0025 WOX C BRONSTEIN & dEFFRIES C Bd WHOLESALE #0025 WOX LEMOYNE PA HARRISBURG PA CAMP HILL PA HARRISBURG PA LEMOYNE PA CAMP HILL PA LEMOYNE PA LEMOYNE PA LEMOYNE PA LEMOYNE PA CAMP HILL PA LEMOYNE PA LEMOYNE PA HARRISBURG PA HARRISBURG PA HARRISBURG PA 1,915.73 CR i IMPORTANT NEWS CREDIT PROTECTION: WHAT TOOK YEARS TO PERFECT TAKES JUST MINUTES TO PROTECT. ENROLL TODAY - CALL 1-BOO-442-2B30. MAKE YOUR LIFE EASIER. USE YOUR IBS CREDIT CARD TO PAY YOUR MONTHLY SERVICE PROVIDERS. VISIT WWW.IBSDIRECTPAY.COM. ACCESSING ADDITIONAL CASH IS EASYI PRESENT YOUR CREDIT CARD AT THE BANK COUNTER, OR CALL 1-800-771-3575 TO REQUEST A PIN CODE FOR USE AT AN ATM. SUMMARY OF TRANSACTIONS TOTAL MINIMUM PAYMENT DUE Previous BlJ&nca $1,915.73 (-) Payment~ end Cred~ $1,915.73 (+) Cash Advencee $0.00 (+)Purchases and Adjustments $2,568.13 IT) Periodic Rate NANCE $0.00 tiUren~ac~oaFee NCR CHARGES $0.00 (=) New Balance Tc~al $2,568.13 11 Past Due Am~Jnt ................. $0.0o Current Payment .................. $15.00 To~I Minimum Payment Due ...................................... $15.00 ~NANCECHARGE$CHEDUL.~ C~ PedodlcRate Cash AOvances A. BALANCE TRANSFERS, CHECKS.o.oooooo~ DLY 8. ATM, BANK ................. 0.000000% DLY C. PURCHASES ................... O.O41068% DLY FOR TH~ BILLING PERIOD: ANNUAL PERCENTAGE RATE. .................. SEE ABOVE PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION. Cor[espon(~ing Percentage Rate o. 00% o. 00% 14.99% ~eCt to Ohm'ge $0.00 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · F~ C~slome~ Salisfacl~ md up lo ~e m~ute mJt0mal~ ~f~ mclu~. b~lc~, ~e ~ p~ r~v~. paymads ~e, ~e ~t. [~m~l ~d~s ~lm~. ~ Io ~t ~le slatemm~, ~ 1-800-223-7046 · Fm TDD {~m~n~ ~ I~ ~e Deal) ~sl~. ~a 1-8~-346-3178. · Malt paym~l~ to: BANKCARD SERVICES, P.O. BOX 1~19, WILMI~TON, DE 1~-~19. ·Bdling rinds we pr~ ~ ~ ~itl~ m~ky. M~ ~ng b~k~, I~m m ~e b~. ~d 0U~ ~ BANKCARD SFRVICFR. P 0 80X 15~26. WII MINRTON. ~ t147 59Q Y 187 1203 00~ O0 5490 9980 5101 3598 PAGE 1 OF 3 m * Wayp'oint Bank '"'- ~ I,,,lll,l,,h,hh,h,ll,,,hhlh,,,,,lll,l,,,,ll,I BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 For account Info~naUon call 1-800-223-7046 Print change ot ,date, s o~ new telephone number below Addi'ose ~)LATIN UM plus, www. ibsnetaccess.com CARDHOLDER SINCE 2001 ACCOUNT NUMBER " 5490 9980 5101 3598 PAY1t, fENT DUE DATE NEW BACANCE TOT, N. J 12/18/03 J J__ $2,5G8.13 TOTAL MINIMUM PAYMENT DUE AMOUNT ENCLOSED DETACH TOP PORTION ,a~lD RETURN WITH PAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 c~ ( ) Home ~)fle 549099805101 3598 $11,700.00 J $9,131.87 J 29 11/19/03 Posting Transact]on I::~eee~ce ~ Category Tranlacilonm Date Date Number Tybe NOVEMBER 2003 STATEMENT State 71p ( ) 18 00256813000015000005490998051013598 Work pbgc® ~ Line Ceeb or Credit Avellsl:~e ".#,n~ Ov~.e Cloatn~ Da~ Total Minimum Payment Due Payment Due De~ $15.OO J 12/18/O3 Charges Credl~ (C,R) PURCHASES AND ADUUSTMENTS 11/o7 11/o6 4902 MC C GIANT FOOD STORE #2 NEW CUMBERLANPA C RITE AID STORE 1074 LEMOYNE PA C CAMP HILL ANIMAL HOSPI CAMPHILL PA C WEIS MARKET #125 CAMP HILL PA C 8d WHOLESALE #0025 WOX HARRISBURG PA C Bd WHOLESALE #0025 WOX HARRISBURG PA C BUS FUEL #9025 WOX HARRISBURG PA C HEPFER'$ TRUE VALUE LEMOYNE PA C WEIS MARKET #125 CAMP HILL PA C PA NEUROLOGICAL ASSO LEMOYNE PA C WEIS MARKET #125 CAMP HILL PA C BUS FUEL #9025 WOX HARRISBURG PA C MAZZITTI AND SULLIVAN HARRISBURG PA C WEIS MARKET #125 CAMP HILL PA C CALLEN KINBACK, INC. LEMOYNE PA C CALLEN KINBACK, INC. LEMOYNE PA C CALLEN KINBACK, INC. LEMOYNE PA C HEPFER'S TRUE VALUE LEMOYNE PA 11/08 11/06 3111 MC 11/10 11/07 1071 MC 11/10 11/08 5970 MC 11/10 11/08 ?350 MC 11/10 11/09 1050 MC 11/11 11/09 5294 MC 11/11 11/10 5702 MC 11/11 11/10 9090 MC 11/12 11/10 0058 MC 11/12 11/11 1338 MC 11/13 11/11 6443 MC 11/14 11/12 1802 MC 11/14 11/13 4196 MC 11/15 11/14 ~4429 MC 11/15 11/14 4473 MC 11/15 11/14 4585 NC 11/17 11/15 5283 NC 58.55 11.O1 GO.30 74.30 80.09 147.23 18.55 11.63 17.70 10.OO 20.85 13.47 125.OO 21.23 148.67 148.67 216.25 13.46 IMPORTANT NEWS PAY YOUR BILL QUICKLY WITH PAY-BY-PHONE SERVICE. CALL 1-866-297-9258 TO USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. SUMMARY OF TRANSACTIONS Prevloum Bas,iici (-) Payments J (+) Cash (+) Purchases and and Credits I Advancal Adjustments $1,915.73 $0.00 $2,568.13 :-~) Periodic Rate NANCE CHAR~ES $0.00 FINANCE CHARGE SCHEDULE Co~e,~ondlng Category, Periodic Rate ~nual Percentage R~ Cash Advances A. BALANCE TRANSFERS, CHECKS.o.(~::)OOOO% DLY 0.00% B. ATM, BANK ................. O.OOOOOO% DLY 0.00% C. PURCHASES ................... 0.041068% DLY 14.99% ANNUAL PERCENTAGE RATE._--____ SEE ABOVE II TOTAL MINIMUM PAYMENT DUE PI_FARF RFF RF'VFRRF: RII'3F FC)R IMP(3R'FAkrr INF['3RMATIC3N. $*J*NAH) Transacflo~ Fee CE CHARGIES $o.oo (-) New Balance Total $2,568.13 Pest Due Amount ................. $ 0.00 Current Payment .................. $15.00 Tot, at Minimum Payment Due ...................................... $15.00 B&lan~e FIn~e Charge $O.OO FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fa Customs[ Saislacliea and up to the minute automated inhxmalJen i~dud~g balance, ay,labia c~e~t, payments reCaved payments due, due dale,paymenl adclre~s inkxmsli~n. ~ to requesl duplicale statements, cai 1-800-223-7046 · F(~ TDD (Telecommunication Device tc~ I~e Deal) sssislsnce. c~l 1-800-346-3178 · Mail payme~ls [o: BANKCARD SERVICES. P.0. BOX 15019. WILMINGTON. DE 19886-5019. · BEikIg tights a'e presmved 0~)y by v, lillefl iaqu~y. Mai bill,s inqui,es, using lam 83 the back. and orne~ inquiries Io: BAJ~KCARD SERVICES P.O_ BOX 15026. WII MINGTON DE 1147 590 Y 187 1203 OOOO go 5490 9980 5101 3598 PAGE 2 OF 3 O.. ,/O's ].umbee ITy~[ J NOVEMBER 2003 STATEMENT PURCHA~i~ AND ADdUSTMENTS 11/17 ~1/15 50~4 MC C WEIS MARKET #125 CAMP HILL PA 11/18 11/16 5097 NC C HESS 38256 LENOYNE PA 11/18 11/16 3218 MC C RiTE AiD STORE 1074 LEMOYNE PA 11/18 11/16 3218 MC C RiTE AID STORE 1074 LEMOYNE PA 11/18 11/17 3965 MC C GIANT FOOD STORE #2 ENOLA PA 11/18 11/17 7883 NC C Bd WHOLESALE #0025 WOX HArrISBURG PA 11/19 11/18 7766 MC C ~E[S MARKET #125 CA~P H[LL PA TOTAL FOR BZLLZNG CYCLE FROM 10/22/2003 THROUGH 11/19/2003 $15.00 12/'1a/o4 ' ' Credits (C,R) 54.29 17.94 25.16 56.00 12.17 143.46 14.39 $2,568.13 $1.915.73 CR DEC 0 1 200. i IMPORTANT NEWS SUMMARY OF TRANSACTIONS TOTAL MINIMUM PAYMENT DUE Previous Balance (-) Piynten~ t (+) Cash and Credits t Advances $1,915.73 I ~;1,915.73 $0.00 FINANCE CrinGE SCHEDULE Cel~ Pedo~ic Rate Cash Advances A. BALANCE TRANSFERS, CHECKS.O.OOOOOO% DLY B. ATM, BANK ................. 0.000000% DLY C. PURCHASES ................... O.O410~8% DLY I(+) Purcha~e~ and AdJue~nenta ~;2,568.13 FOR THI~ BILLING PERIOD: ANNUAL PERCENTAGE RATE. ................ SEE ABOVE (F.~) Pedodlc Rate NANCE CHAR~IE$ $0.00 PLEASE SEE REVERSE SlOE FOR IMPORTANT iNFORMATION, Corresponding Annual 0.00% 0.00% 14.99% Balance Subject to Finance Charge FINANCE CI'IARO~$ TotaJ Past Due Amount ................. ~ o. o 0 ~e~ Pmym~t .................. $ ] 5.00 ~0.00 ~2,568.13 T~ Minimum P~ment ~e ...................................... $;15.00 FOR YOUR SATISFACTION, ~ERY HOUR, ~ERY DAY . F~ Cusl~ ~f~ md up lo ~e mhu/e ~1~1~ bl~ ~du~. b~w, ~ ~l, p~ls r~, pw~ts ~e, ~e dale, ~r~s ~{~, ~ to ~t ~le stale~ts, ~ 1 -~2~7046 F~ TOD ~nica~ D~i~ f~ ~e Dea~ assisted, ~ 1-8~-~3178 - M~p~m~ to: B~KCARD SERVICES, P.O. ~X 1~19, WILMINGTON. $0. O0 1~-~19. Imm m ~eb~ md ~ h~ies Io: BANKCA~ '~E~ICES; P_O_ BOX 1~26 WI~INGTON. DE 1147 590 Y 167 1203 ~00 O0 5490 9980 5101 3598 PAGE 3 OF 3 09/22 09/19 2633 MC 09/29 03/27 2855 MC 10/01 09/29 2730 MC 10/07 10/05 3520 MC 10/07 10/06 4071 MC 10/08 10/06 5105 MC 10/08 10/07 1993 MC 10/08 10/07 8804 MC 10/09 t0/07 9366 MC 10/09 10/07 3308 MC 10/09 10/07 2813 MC 10/10 10/09 5551 MC 10/11 10/09 5897 MC 10/11 10/10 7327 MC 10/13 10/12 1930 MC 10/14 10/13 6010 MC caen ~ C~ctfl A~lla,b~ ~ ~y~e Ckx~n~ Date $9,784.27 31 10/21/03 OCTOBER 2003 STATE#ENT $15.00 tl/t8/03 Charges Cradr~ (CA) PAYMENT - THANK YOU C RITE AID STORE t074 LEMOYNE 'PA C THE ORVIS COMPANY INC 800-635-7635 VA C RITE AID STORE 1074 LEMOYNE PA C DRUGSTORE COM 800-378-4786 WA C Bd WHOLESALE #0025 WOX HARRISBURG PA C dOANN FABRIC #1131 LEMOYNE PA C KARNS QUALITY FOOD LEMOYNE PA C THE HEALTHY GROCER CAMP HILL ~A C HESS 38256 LEMOYNE PA C TAMDOT HOMECARE LEMOYNE PA C RITE AID STORE 1074 LEMOYNE PA C Bd WHOLESALE #0025 WOX HARRISBURG PA C BdS FUEL #9025 WOX HARRISBURG PA C WEIS MARKET #125 CAMP HILL PA C AMAZON.COM PAYMENTS 800-201-7575 WA C KARNS QUALITY FOOD LEMOYNE PA 'OCT 2 8 200 67.37 98.00 104.79 89.84 G5.68 211.93 28.12 61.7G 20.03 56.00 104.61 31.11 13.70 42.03 13.47 G8.78 534.44 CR IMPORTANT NEWS ENdOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER. DON'T WORRY ABOUT ECONOMIC UNCERTAINTIES! HELP PROTECT YOUR ACCOUNT. ENROLL IN OPTIONAL CREDIT PROTECTIONI CALL 1-800-840-9518 TODAY) PAY YOUR BILL QUICKLY WITH PAY-BY-PHONE SERVICE. CALL 1-866-297-9258 TO USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. SUMMARY OF TRANSACTIONS Pr eViOU I Baiar~ca $534.44 (4 Paymeets and Credlt~ ~534.44 (+) Purchalaa and (+) Cash AdJuM~tent~ (+) Pe~odlc Rate Balattr. e FINANCE CI~F.~ (+) Tran~ F~ I (=) N~ A~ancel R~CE C~; T~ ~0.00 5[,915.73 $0.00 ~0.00 TOTAL MINIMUM PAYMENT DUE II Pa~t Due Amount ................. [; 0. O0 Current Payment .................. $15. O0 Total MINmom Payment Due ..................................... ~15.00 FINANCE CHARGE SCHEDULE Cowaspo, ndlng Galegery Pe~ecllc Rate AnnuaJ Percentage Rata Cash Ac~vances A. BALANCE TRANSFERS, CHECKS.o.o00000% DLY 0.00% B. ATM, BANK ................. O.OOOOOO% DLY 0.00% C. PURCHASES ................... 0.0410G8% DLY' 14.99% I FOR THI~ BILLING PERIO0: I ANNUAL PERCENTAGE RATE. ................ SEE ABOVE I PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION, Subject to Finance Charge $0.00 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fc~ Custom~ Sali~ladim and up lo ~he minute automated ietamal~m iac~d~g balance, a~alable ae~l, paymmls received, paymeels due, due dale,@aym~el add, ess ilk~rnalion, a to request duplicele Ilalem~lls, call 1-800-223-7046 · F~ TDD (Tdecommunicalim Devoe ia' Ihe Oe~) assislance, cea 1-800-346-3178. · Mail payments Io: BANKCARD SERVICES, P.O. 8OX 15019, WILMINGTON. 1g~86-solg · Billing righls are p~eserved cety by ~ittm liquid. M~,I bileg inquiies, using lam m U~e back aed olha inQui~ I~ BANKCARD'~ERVICES. PD BOX 150~6 WILMINGTON. 19850-50~6. 4664 590 Y 55G 1304 0000 O0 5490 9980 5101 3598 PAGE 1 OF 2 Way bint. . Bank BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 Fo~ account Info~mat~o~ cell 1 .-800-22;~.7045 ~ change ct acldl'all or new t~el3h~ number below Address ( ) · Home pho~le ~)LATIN U]~ www.lbsnetaccess.com CARDHOLDER SINCE 2001 ACCOUNT NUMBER ~ ' -- 54009980 5101 3598 PAYMENT DUE DATE NEW B.~..~NCE TOTAL TOT~. MiNIMUM PAYMENT DUE AMOUNT ENCLOSED DETACH TOP PORTION AND RETURN WITH PAYMENT PAUL A MILLER . CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 Po~ng Date 5490 9980 5101 3598 Trans&c~on Relevance Card I Catagor/I Trlnsacfloas Date N~mbe~ Type ~ Zip ¢ ) 18 00191573000015000005490998051013598 Worn phc,· $11,7~.OO I $9,784.27 31 10/24/03 Il $15.~t 11/18/03 OCTOBER 2003 STATEMENT , Char;~ ~ed~ (~ PURCHASES AND ADdUSTMENTS 10/15 10/14 9659 MC 10/15 10/14 1271 MC 10/16 t0/15 7388 MC 10/17 10/16 2410 MC 10/18 10/17 1817 MC 10/20 10/17 9689 MC 10/20 10/17 9763 MC 10/20 10/18 5659 MC C THE GUN PARTS CORP 914-679-2417 NY MAIL/PHONE 12.95 C WEIS MARKET #125 CAMP HILL PA 31.25 C WEIS MARKET #125 CAMP HILL PA 23.61 C EMPIRE VISION #078 CAMPHILL PA 211.00 C THE EYE GLASS SHOP HARRISBURG PA 254.00 C BO WHOLESALE #0025 WOX HARRISBURG PA 23.14 C CVS #1622 LEMOYNE PA 182.99 C THE HOME DEPOT 4120 MECHANICSBURGPA 99.57 TOTAL FOR BILLING CYCLE FROM 09/21/2003 THROUGH 10/21/2003 $1.915.73 $534.44 CR IMPORTANT NEWS MAKE YOUR LIFE EASIER. USE YOUR IBS CREDIT CARD TO mAY YOUR MONTHLY SERVICE PROVIDERS. VISIT WWW.IBSDIRECTPAY.COM. SUMMARY OF TRA~ISACTIONS I I TOTAL MINIMUM PAYMENT DUE Prevlou. Balance $534.44 (-) Paym®nt. and $534.44 (+) Cesh Advances $0.00 (+) Purchases and Adjusts·nra $1,915.73 (+} Pedodlc Ret· FINANCE $0.00 !{+) TransectJo~ Fee FINANCE CHARQ~.$ $0.oo (=) New aalamce Total $1,915.73 P·~ Due A~ou~ ................. $o.o0 Ou~entPayment ................ $15.00 TotllMInlmum Paymem Due ............................... : ...... $15.00 ~NANCECHARGE$CHEDULE ~legay PedodlcRam Cash AQvances A, BALANCE TRANSFERS, CHECKS-o.o(:XX)C)0% DLY B. ATM, BANK ................. O.O(XX)O0% DLY C. PURCHASES ................... 0.041068% DLY FOR TI'f~ BILLINQ PEFIiOD: ANNUAL PERCENTAGE RATE. SEE ABOVE PLEASE SEE REVERSE SIDE FOR IMPORTAI~T INFORMATION. Co~lralpondlng ~nuai Peres·tag· Rate o.oo% o.oo% 14,99% ~ubJec~ to Flnen=e Charge $0.00 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fa' Cusloma Satisfa~on a~d up Io the mioule aulomaled inlc,'malia~ ind,d,lg. balaace, avalable ca'edit, paylr, eals I'eceived. paymeols due. due dale payma~l address i~lo~rnatJoa, 0~ Io requesl dup~icale stale·ems, ca~ 1-800-223-70~ Fo~ TDD ('Te~mn',JmcalJoo Device I~ c~l 1-800-346-3178 · Mail payme~l~ to: BANKCARD S£RVICES. P.O BOX 15019. WILkIIINGTON. DE 19~-.5~19. · BiLtmg ,gals ale p~esecved caly by wfille~ inqu~/. Mai billing inqu*~ies, usmg lam ee Ihe back a~d olhei' iOQukies Io: BANKCARD 'SERVICFS. PO. BOX 15026. WILMINGTON. DE 19R.'50-50~6 4664 590 Y 55G 1304 0000 O0 5490 9980 5101 3598 PAGE 2 OF 2 PAYMENT~MqD CREDITS 08/05 9702 MC PUI~CHASES AND ADJUSTMENTS 07/25 07/24 6970 MC C 07/26 07/24 0860 MC C 08/11 08/09 2229 MC C 08/11 08/10 4421 MC C 08/12 08/10 6004 MC C 08/16 08/14 5546 NC C 08/18 08/15 2280 MC C 08/21 08/20 2311 MC C TOTAL FOR BILLING $1o.o2o. 8 o /21/o3 AUGUST 2003 STATEMENT PAYMENT - THANK YOU MICHAEL'S #2754 LINENS N THINGS #281 RITE AID STORE 1074 WEIS MARKET #125 ASHLEY FURNITURE HOME BARNES & NOBLE #2046 RITE AID STORE 1074 HDI CONNECTIONS $~:00 09/19/03 Charge= C4editm (C~ CYCLE FROH 07/23/2003 THROUGH 08/21/2003 CAHP HILL PA 52.88 CAMP HILL PA 245.20 LEMOYNE PA 195.34 CAMP HILL PA 206.54 HARRISBURG PA 115.54 HARRISBURG PA 67.31 LEMOYNE PA 76.86 888-824-3609 PA MAIL/PHONE 119.95 $1,079,62 1.422.12 CR $1,422.12 CR IMPORTANT NEWS ENdOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS 'oF'FER-- DR CONTACT US AT WWW.IBSCASH.COM OR 1-888-515-3309. DON'T WORRY ABOUT ECONOMIC UNCERTAINTIES! HELP PROTECT YOUR ACCOUNT, ENROLL IN OPTIONAL CREDIT PROTECTIONI CALL 1-800-840-9518 TODAYI ACCESSING ADDITIONAL CASH IS EASY! PRESENT YOUR CREDIT CARD AT THE BANK COUNTER, DR CALL 1-800-771-3575 TO REQUEST A PIN CODE FOR USE AT AN ATM. I SUMMARY OF TR,~N~ACTIONS TOTAL MINIMUM PAYMENT DUE Previoua Balance $1,422.12 (-) Paymenta and Cred~ta t $1,422.12 (+) Cash Advancaa $0.00 (+) Pur~haaee and AdJu~nenta $],079.62 HANCE CHARaES FINANCE CHAR(lES To~ $0.00 $0.00 Pa=t Due Amount ................. $0. O0 C~rrent Payment .................. $15.00 Total Minimum Payment Dua ...................................... $15.00 ~NANCECHARGE$CHEDULE Cat~y PedodlcP. at~ Cash Advances A. BALANCE TRANSFERS, CHECKS.o.(:X)O000% DLY B. ATM, BANK ................. 0.000000% DLY C. PURCHASES ................... 0.041068% DLY FOR THIS BILLING PERIOD: ANNUAL PERCENTAGE RATE.. ................ SEE ABOVE PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION, Corresponding Balance Annual Subject to Percentage Rate Finance Charge o. 00% o. 00% i4.99~ $0.00 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fa~ Cu~"tome~ Sa~sfacl~a and up to lhe minute ~tol~t~ ~l~mafi~ ~ding, b~, av~ o~l. ~ r~v~, pW~ due, due date.payroll ad~s ~f~. ~ 1o f~l ~pli~le st~e~, ~ 1-800-223-7046 · F~ TDD ~m~ni~t~ D~ t~ ~e D~) ~s~, ~ 1 ~6-3178. · M~l p~n~ls ~: BA~CARD SERVICES. P.O. ~X 1~19, WILMI~TON, DE 1~19. · Billing/ights ue ~ ~ by ~ttm ~. M~ ~lbng mquk~, u~0g I~m m ~e b~, ~d ~ b~ to: ~KCARD SE~ICES. P_O. BOX 1~26. WI~INGTON DF 198~-5026. 3323 57N Y 3NR 1203 ~ ~ 5490 9980 5101 3598 PAGE 1 OF 1 PAYMENTS /~ID CREDITS O1/O7 3086 MC PURCHASES AND ADUUSTMENTS 2003 STATEMENT 12/21 12/20 0435 MC 12/23 12/21 3550 MC 12/24 12/22 2040 MC 12/26 12/23 3588 MC 01/02 12/31 5017 MC 01/09 01/08 ?969 MC 01/10 01/08 0099 MC 01/21 01/18 0196 MC PAYMENT - THANK YOU C CAMP HELL DINER CAMP HILL PA C STEPHENSON S FLOWE-FTD LEBANON PA C HECHT CO. MENS SWEAT CAMP HILL PA C RITE AID STORE 1074 LEMOYNE PA C CAPITAL CITY MALL CAMP HILL PA C d UENKINS SONS CO INC BALTIMORE MD C RITE AID STORE 1074 LEMOYNE PA C RITE AID STORE 1074 LEMOYNE PA TOTAL FOR BILLING CYCLE FROM 12/2t/2002 THROUGH 01/22/2003 O1/22/O3 l ' ' ,1 00 I 02/,8/03 Charge's ' I C~ecltt~ (CFI) 24.12 22.25 64.98 tO9.O2 240.OO 130.00 81.67 32.33 $704.37 2,601.21CR $2,B01.21CR JAN 2 2003 IMPORTANT NEWS ENdOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER-- OR CONTACT US AT WWW.IBSCASH.COM OR 1-888-515-3309. THE CREDIT YOU EARNED...THE PROTECTION YOU DESERVE. CONTACT US AT 1-866-509-3878 TO ENROLL IN THE OPTIONAL CREDIT PROTECTION PLAN TODAY. SAVE TIMEI BILL YOUR MONTHLY SERVICE PROVIDERS DIRECTLY TO YOUR lBS CREDIT CARD. SUMMARY OF TRANSACTIONS Balance $2,601.21 (-) Pa~ent$ end Credits 62,60] .21 (+) Cash $0.00 (+) Purchases eld AdJu~ellt~ FINANCE CHARGE SCHEDULE Cal~ Pe~odlcR~e Cash Advances A. BALANCE TRANSFERS, CHECKS.o.o10136% DLY B. ATM, BANK ................. O.O41068% DLY C. PURCHASES ................... O.O41068% DLY FOR THIS BILLING PERIOD: ANNUAL PERCENTAGE RATE. ............... BEE ABOVE F)Periodic Rate I(+) Transection Fee NANCE CHARUES IF#lANCE CHARi3E$ ~o.o0 I ~o.0o Con'esponding Balance Annual Subject to Percentage Rat:a Finance Charge PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION. 3.70% S0.OO 14.99% $O.OO 14.99% $0.OO 5490 9980 5101 3598 TOTAL MINIMUM PAYMENT DUE · Total Past Due Amount ................. $ 0. oo Current Payment .................. $ 3. 5.00 ~704.37 Total Minimum Payment Due ...................................... $~.5.00 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fa' Cuslorne' SalisladJm and up to the minute aulomaled i~f(xmatim iadud'mo. balance, available c~e~t, paymeaLs received, pm/meaLs due, due dale,payma~l address in[o~mal~on, ct Io request duplicate s[alaaeats, call 1-800-273-7046. · Fa' TD_D ~TaecommunicalJoa Device ta' Ihe Beat') assistaaca. ,.a 1-800-346-3178. ° Mall paymaqLS to: BANKCARD SERVICES. P.O BOX 15019. WiLMiNGTON. DE 19886-5019. · Billi,g righL~ me p~esaved only by writtee Inqumy. Mail bi~g i~uiriee, using lo~m a~ the back a~d otha inquires lo: BAbIKCARD '~FRVICFS P ~. BOX 150~6 WILMINGTON DF: 19R~I3-509R ' ' · 5891 537 Y 6dC 1312 0200 CO PAGE 1 OF · . 5 099805101 3598 $1o,0oo.o0 $7,398.79 30 PostJng 'TransacUon RMMence Card Category Transactions Date i~e NumbM ~ DECEMBER 2002 STATEHENT PAYMENTS~'AND CREDITS 12/0C 2706 MC PAYMENT - THANK YOU PURCHASES AJ~D AD~JUSTMENTS 11/22 11/20 3255 MC 11/29 11/27 4384 MC 12/02 11/29 0396 MC 12/02 11/30 1134 MC 12/03 11/30 7408 MC 12/03 12/02 6548 MC 12/14 12/13 6539 MC 12/16 12/13 3483 MC 12/17 12/16 8817 MC 12/17 12/16 8825 MC 12/17 12/16 8833 HC 12/17 12/16 8841 MC 12/17 12/16 8858 MC 12/17 12/16 8874 MC 12/17 12/16 · 8882 MC 12/17 12/16 8890 MC 12/20/02 · / $15.00I 01/21/03 Chargel C~-~¢llt~ (CR) C RITE AID STORE 2000 MECHANICSBURGPA C WINE & SPIRITS 2102 LEMOYNE PA C Bd WHOLESALE #0025 WOX HARRISBURG PA C HEPFER'S TRUE VALUE LEMOYNE PA C PARTY N MORE LEMOYNE PA C WEIS MARKET #125 CAMP HILL PA C LEI LANDS END CLOTHING 800-332-4700 WI MAIL/PHONE C RITE AID STORE 1074 LEMOYNE PA C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL M CHOCOLATES 800-438-4358 NV MAIL/PHONE C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL M CHOCOLATES 800-438-4358 NV MAIL/PHONE C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL M CHOCOLATES 800-438-4358 NV MAIL/PHONE C ETH ETHEL ~ CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL M CHOCOLATES 800-438-4358 NV MAIL/PHONE 70.09 30.72 499.86 118.66 67.58 42.27 425.45 54.92 17.79 17.79 17.79 17.58 17.79 17.79 17.79 17.79 256.84 CF IMPORTANT NEWS ENOOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER-- OR CONTACT US AT WWW.IBSCASH.COM OR 1-888-515-3309. YOUR CREDIT LINE IS INCREASED TO THE AMOUNT SHOWN ABOVE~ USE IT TO TRANSFER OTHER ACCOUNT BALANCES TO THIS ACCOUNT. CALL 1-800-615-3277. SAVE TIMEI BILL YOUR MONTHLY SERVICE PROVIDERS DIRECTLY TO YOUR IBS CREDIT CARD. SUMMARY O!= TRANSACTIONS Previous Balance ~256.84 (-) Payment~ and Credlt~ ~;256.84 (+) Cash Advancea $0.00 (+) Purchases and Adjus~nent~ $2,601.21 (+) Pedodic Rate FINANCE CHARGES ~;0. O0 ~NANCECHARGE$CHEDULE Cat~ Pad,loFt= Cash A~vances A. BALANCE TRANSFERS, CHECKS.o.010136% DLY B. ATM, BANK ................. 0.041068% DLY C. PURCHASES ................... 0.041068% DLY FOR T~$ BILLING PE~OD; ANNUAL PERCENTAGE RAT~ .................. SEE ABOVE PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION. C~wa,p~ndlng Annual Paroent~ge Rate 3.70% 14.99% 14.99% ~ubje~t to Finance Charge TOTAL MINIMUM PAYMENT DUE (+) Trans,ctlon Fee t (=) New Balance FINANCE CHAR(]E$ Tot~J II Paat Due Amount ................. ~0. O0 Cun'®nt Payment .................. $;[5.00 $0.00 ~; 2,601.21 To~I Minimum Payment Due ...................................... S15.00 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fo~ Cuslom~ SalJs~ac§on and up lo the miau~e aulomated inf(xmal~on ~dud~g. baJance, avaiable ~'edil, payments re(~4ved, paymanls ~ue, dee dale.paymenl address i~f(xmatiea, (x to request deplicato slalements, ~ 1-800-223-7046 $0. O0 · Fa TDD Odecommanicabm Device fa the Deaf) assistance, cd 1-800-346-3178. $0.00 · Mai paymeels lo: EANKCARD SERVICES, P.O. BOX 15019, WILMINGTON, D $0. O0 lg~)86-50~9. · Baling rights are presarved ~ly by vzitton ~quir/. Mai bilb~g iaq~kies, usag erin on the back and o~er inquiries to: BANKCARD 'SERVICES. P 0 BOX 15026. WtLMINGTON D 1 g850-5026. 770 538 Y OTN 0912 0200 O0 5490 8880 5101 3598 PAGE I OF 3 laYpolnt Bank % ,~,.~ h,,llhl,,h,hh,h,lh,,I,l,ll,,.,,,lll,l,,-Ihl BA~N KCA-RD SERVICES P.O. BO][ 15019 WILMINGTON, DE 19886-5019 F~ &~nt Infom~loa ~al~ 1-800-223-7046 PH~t ~a o~ id(h'ell o~' new te~eph~ae number b~ow pLATINUM pLUS' www. ibsnetaccess.com CARDHOLDER SZNCE 2001 54.~) 9980 5101 3598 PAYMENT DUE DATE N~ttl BALANCE TOTAL 01/21/03 I i $2,601.21 tOTAL MINIMUM PAYMENT DUE AMOUNT ENCLOSED DETACH TOP PORTION ANO RETURN WfTH pAWdENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 Cay ~.m ~P ( ) ( ) Home phone Wc~k phone . _acc~_ ,~ Hu,,Wae~ Cmd/t Une 18 Cash o~ D~dZ ava/la~e OO260121000015OOO005z~90998051013598 ='oeting Date )URCHASES AND ADdUSTMEN'rs 12/17 12/16 8932 MC 12/17 12/16 8940 HC 12/17 12/16 8957 HC 12/17 12/16 9013 HC 12/17 12/16 9039 MC 12/17 12/16 9047 MC 12/17 12/16 9096 MC 12/17 12/16 9120 MC 12/t7 12/16 9138 MC 12/17 12/16 8866 MC 12/17 12/16 8908 MC 12/17 12/16 8916 MC 12/17 12/16 ~924 MC 12/17 12/16 8965 MC 12/17 t2/16 8973 MC 12/17 12/16 8981 MC 12/17 12/16 8999 MC 12/17 12/16 9005 MC 12/20/02 I Tranea~ IRdmenca Ca~ Categ(x"/ Tr~ll~tlona DECEMBER 2002 STATEMENT H CHOCOLATES 800-438-4356 NV M CHOCOLATES 800-438-4356 NV M CHOCOLATES 800-438-4356 NV HAIL/PHONE C ETH ETHEL HAIL/PHONE C ETH ETHEL HAIL/PHONE C ETH ETHEL C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL H CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL H CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL H CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL H CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL H CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL H CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE C ETH ETHEL M CHOCOLATES 800-438-4356 NV HAIL/PHONE C ETH ETHEL M CHOCOLATES 800-438-4356 NV HAIL/PHONE I $15.00 I 01/21/03 ~g~ ~ed~ (~::~ t7.79 t7.79 17.79 17.79 17.79 17.79 17.79 17.79 17.79 29.05 29.05 29.05 29.05 28.05 29.05 29.05 29.05 29.05 MPORTANT NEWS WWW.IBSNETACCESS.COF4 - AT YOUR SERVICE. SUMMARY OP TRANSACTIONS F~'evlous Balance $256,84 (-) Payments and C,'ed its ~256.84 (+) Cub Advanoe~ $0.00 I(+) Pumhesea end $2,601.21 ~NANCECHARGE$CHEDULE PedodicR~e Cash Advances A. BALANCE TRANSFERS. CHECKS.o.010136% DLY B. ATH. BANK ................. 0.041068% DLY C. PURCHASES ................... 0.041068% DLY FOR TH~ B~,.UN(3 PERIOd: ANNUAL PERCENTAGERAT~ ................ SEE ABOVE TOTAL MINIMUM PAYMENT DUE I(+)Periodic Fl~e [ (+) transac'tJon Fee I FUIANCE CIL~IGIES I FIIL~NCt CtL4RQESI ~nu~ 8ubJe~ ~ P~ge ~e ~n~ce Charge 3.70% 14.99% 14 $0.00 $0.00 $0.00 (=) New BalanCe Pe~t D~e Amount ................. $0.00 T~J~ $~5.00 Currant Payment .................. ~2,601.21 Total MIMmum Payment $15.00 FOR YOUR SATISF~TI~, ~ERY HOUR, EVERY DAY · F~ ~S~ Sa~la~ md ~ b ~e ~ule ~1~ inl~ma~ b~ av~ ~I~, ~ ~e, due dato.p~ ' ~'inl~ a {~u~t ~te statem~ts ~ 1-8~ - F~TDD O~n~ D~I~ ~e~ ~s~t~, ~l 1-800-~178 · M~ ~ymmls Io: B~KCA~ SERVICES. P.O. BOX 1~19 W 1~19. - ~ ~m rights ue ~ev~ ~ by ~{tlm b~. M~[ ~g ~quir~, usbg I~m~ the back ~do~e ~i~ B~KCARD'~ERVICE~ P 0 BOX 150~6 ~R~26. ' 770 535 Y OTN 0912 0200 O0 PAGE 2 OF 3 5101 3598 WayNOint Bank I)LATI NUM LT~ LUS"' www. lbsnetaccess.com ~. ~-* h.llhh,h,hh,l,,ll,,,l,hlh,,,,,llhh,,,ll,I B.M~iKCAR D SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 Fo~ account Intoonatton call 1-800-22.3-7046 Print change of eddrees or new telephone number below Address C~ ~tmta ( ) ( a Home phone Work phone 4cc;cunt Numbe~ Cmd/t L/ne 5490 9980 5101 3598 $ lO, ooo. co I Posting Transaction ReferenceCard Category Transactions Data Data Number Type PURCHASES AND ADUUSTMENTS CARDHOLDER SINCE 2001 12/17 12/16 9021 12/17 12/16 9054 12/17 12/16 9062 12/17 12/16 9070 12/17 12/16 9088 12/17 12/16 9104 12/17 12/16 9112 12/17 12/16 9146 12/18 12/16 2004 12/19 12/17 3527 12/19 12/18 2533 12/20 12/19 9012 18 ACCOUNT NUMBER PAYMENT DUE DATE NEW B*e4.A~ICE TOTAL TOTAL MINIMUM PAYMENT DUE AMOUNT ENCLOSED DETACH TOP PORTION AND RETURN WFfH PAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 00260121000015000005490998051013598 $7,398.79 30 12/20/02 DECEMBER 2002 STATEMENT MC C ETH ETHEL M CH0COLATES MC C ETH ETHEL M CHOCOLATES MC C ETH ETHEL M CHOCOLATES MC C ETH ETHEL M CHOCOLATES MC C ETH ETHEL M CHOCOLATES MC C ETH ETHEL M CHOCOLATES MC C ETH ETHEL M CHOCOLATES MC C ETH ETHEL M CHOCOLATES MC C PARTY N MORE MC C RITE AID STORE 1074 MC C ETH ETHEL M CHOCOLATES MC C ETH ETHEL M CHOCOLATES TOTAL FOR BILLING CYCLE FROM 11/21/2002 800-438-4356 NV MAIL/PHONE 800-438-4356 NV MAIL/PHONE 800-438-4356 NV MAIL/PHONE 800-438-4356 NV MAIL/PHONE 800-438-4356 NV MA[L/PHONE 800-438-4356 NV MAIL/PHONE 800-438-4356 NV MAIL/PHONE 800-438-4356 NV MAIL/PHONE LEMOYNE PA LEMOYNE PA 800-438-4356 NV MAIL/PHONE 800-438-4356 NV MAIL/PHONE THPEIUGH 12/20/2002 Toes/Ml~mum Payme~ ~ Pal, rnm~ Due ~aJe $15.00 ~ O1/21/03 Charges Cred~ (~ 29.05 29.05 29,05 29.05 29.05 29.05 29.05 29.05 221.75 69.31 78.25 126.28 $2,601.21 $256.84 CR IMPORTANT NEWS SUMMARY OF TRANSACTIONS $256.84 (-) Payments end Credits $256.84 (+) Cash Advancea $0.00 (+} Purchasea and A~uab~ant~ $2,601.21 (+) Periodic Rate FINANCE CltA,RGES $o.oo TOTAL MINIMUM PAYMENT DUE (+) Transa~on Fee FIN~NCE CHAIq~IES $0.00 (=) New B&lance Total $2,601.21 Past Due Amount ................. $0. O0 Cun'ent Payment .................. ~; 15.00 Total Minimum Paymeiqt Due ...................................... $15.00 ~NANCECHARGESCHEDULE Ca[~ Pe~todlcR&te Cash Advances A. BALANCE TRANSFERS, CHECKS.o.010136% DLY 6. ATM, BANK ................. 0.041068% DLY C. PURCHASES ................... 0.041068% DLY FOR THI~ BILLING ANNUAL PERCENTAGE RAT~ ........... SEE ABOVE PI.F__A~I~' .C:ll:[: IqN-V[:IqRI: ,~lr')l= Ft~ IMPC'.I:TI'AKIT IIdF~I::IMATIC)N. Co~rempondlng Annual Percentage Rate 3.70% 14.99% 14.99% t~ubJe ct to Finance Charge $0.00 $0.00 $0.00 5490 9980 FOR YOUR SATISFACTION, EVERY HOUR, EVERYDAY o F0~ Cuslorna Satislaclica and up to the minute aulomaled infccrr, atJon indudi,§ beJance, avn~able c~edit, payments received payrneets due, due date. paymaqt address infocmation, ~ to requesl dapllcale ~laleman/s, call 1-~00~-3:104i · Fcc TOD (Tdecornmunicatiea Device let the Deal) assislance, cai 1-800-346-3178. · M~il payments Io: BANK, CARD SERVICES, PO. BOX 15019, WILMINGTON, D 19886-5019. Biling rights me Fesaved eely by ~itlen inquiry. Mail biling inquiries, using Iorm 0a the back. and other it~uirtes lo: BANKCARD 'SERVICES. P.O. BOX 15076 WILMINGTON. E 19850-5026. 770 53S Y OTN 0912 0200 O0 5101 3598 PAGE 3 OF 3 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION IN RE: PAUL A. MILLER, Incapacitated Person · 21-04-255 ORPHANS' COURT ORDER OF COURT AND NOW, this 16th day of March, 2004, a hearing on the within petition shall be conducted in Courtroom Number 3, Cumberland County Courthouse, Carlisle, Pennsylvania at 10:30 a.m., Friday, March 26, 2004, and a Citation shall be issued on Paul A. Miller to show cause why he should not be adjudicated an incapacitated person and have a plenary guardian appointed for his person and his estate. Richard P. Nuffort, Esquire Robert Frey, Esquire For Petitioner Marcia M. Lentz Harold S. Irwin, Ill, Esquire Court-appointed for Paul A. Miller Donald B. Kaufman, Esquire For Joseph Miller and Patricia Miller Edgar B. Bayley, J. Lawrence F. Hinnenkamp, Esquire Gregory J. Miller 5212 SW Ninth Place Cape Coral, FL 33914 Honorable George E. Hoffer, P.J. :sal ~ 1529-33 3/'12/04 IN THE COURT OF COMMON PLEAS O1;' CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION INRE: ' 2_1- 0"/- 2.55 PAUL A. MILLER, Incapacitated Person · ~ .c: m PETITION FOR ADJUDICATION OF INCAPACITY AND APPOINTMENT OF A PLENARY GUARDIAN OF THE ESTATE AND PERSON OF PAUL,'~. MILLER The Petition of Marcia M. Lentz, by her attorneys, Zimmerm~n5 Pfanl~becker,~ Nuffort & Albert, respectfully represents: 1. Petitioner, Marcia M. Lentz, is an adult individual residing at 1818 Silver Pine Circle, Mechanicsburg, PA 17050. 2. Petitioner is the daughter of Paul A. Miller who is presently a resident at Bethany Village, Mechanicsburg, Pa. 3. Paul A. Miller is an incapacitated person as that term is defined under Chapter 55 of the Pennsylvania Decedent's Estates and Fiduciaries Code, 20 Pa. C.S.A. 5501 et sec. Paul A. Miller is an adult whose ability to receive and evaluate information effectively and communicate decisions in any way is impaired to such a significant extent that he is partially or totally unable to manage his financial resources or to meet essential requirements for his physical health and safety. 4. The incapacitated person, Paul A. Miller, does not have a spouse as his ~1529-33 · z ; ~ spouse, Esther K. Miller, predeceased him on September 4, 2002. 5. The incapacitated person, Paul A. Miller, was born on December 15, 1921 and is presently 82 years of age. 6. The incapacitated person does not have any parents presently living. 7. The presumptive adult heirs of the incapacitated person are three children, to wit: Marcia M. Lentz, 1818 Silver Pine Circle, Mechanicsburg, PA 17050 (daughter) Joseph A. Miller, 307 Walnut Street, Lemoyne, PA 17043 (son) Gregory J. Miller, 5212 SW Ninth Place, Cape Coral, FL 33914 (son) 8. The incapacitated person is presently a resident of Bethany Village Nursing Care Facility, Mechanicsburg, PA and that institution provides medical and residential services to alleged incapacitated persons. 9. Petitioner seeks to have herself appointed plenary Guardian. She has no interest adverse to the alleged incapacitated person. 10. The alleged incapacitated person, Paul A. Miller, is in immediate need of guardianship. He is acknowledged to be incapacitated by Bethany Village, all of his health care providers, his attorney, his bank trustee and his three children. There is an immediate need for a guardianship because there is no longer a trustworthy attorney-in-fact to handle his affairs. Since approximately May of 1999 the affairs of Paul A. Miller had been handled 01529-33 by his son, Joseph A. Miller, who was the attorney-in-fact named under a durable Power of Attorney/Letter of Attorney, dated August 19, 1993. On October 4, 2001 Joseph A. Miller and his wife, Patricia Ann Miller, were designated as attorneys-in-fact under a Power of Attorney, a true and correct copy of which is attached hereto, fully incorporated herein by reference and marked for identification as Exhibit "A". Petitioner has become aware that the agents have breached their fiduciary duty to Paul A. Miller by failing to exercise their powers for the benefit of the principal, by failing to keep separate the assets of the principal from their own, by failing to exercise reasonable caution and prudence and by misappropriating the funds of Paul A. Miller. 11. Petitioner has been made aware by Waypoint Bank and Lawrence Hinnenkamp, attorney for Paul A. Miller, that the agents, Joseph A. Miller and Patricia Ann Miller, husband and wife, had possession of a credit card in the name of the principal and have been misusing and abusing their fiduciary duty by charging numerous personal expenses for themselves against the account of the principal. By way of example, a sample of the personal charges made to the account of Paul A. Miller by his attorneys-in-fact include women's clothing, health spas, fitness centers, golf course fees, food markets, automobile maintenance and repair expenses and numerous other personal use expenses as more fully set forth on the Paul A. Miller credit card account No. 5490-9980-5101-3598, credit card account with Bankcard Services, statements of which are attached hereto, fully incorporated by reference and marked for identification as Exhibit "B". 01529-33 12. The attorney-in-fact has admitted to using Paul A. Miller's account for their personal use, which admission was made to Lawrence F. Hinnenkamp, attorney for the incapacitated person, Paul A. Miller. See Mr. Hinnenkamp's letter dated February 11, 2004 which is attached hereto, fully incorporated herein by reference and marked for identification as Exhibit "C'. Petitioner believes that the charges for the last six months alone exceed $18,000, and Petitioner believes and therefore avers that the amount could well be far in excess of that amount. Petitioner has further been made aware by Waypoint Bank that the agents' access to other checking accounts for the principal have been removed from the attorneys-in-fact as a safety precaution against further misuse of agent powers. 13. Petitioner has no knowledge of all of the inappropriate personal use expenses by the attorneys-in-fact but has become aware of the credit card expenses and actions taken by Waypoint Bank to prevent additional misuse as set forth above. The Power of Attorney has written checks to himself for reimbursement of expenses that are clearly unrelated to the care of the principal. 14. A description of the functional limitations and physical and mental condition of the alleged incapacitated person are as follows: Paul A. Miller suffers from Parkinson's disease and dementia with long and short term memory loss and requires total assistance for ambulation. Mr. Miller has experienced numerous falls. Mr. Miller is severely cognitively impaired with degenerative disease of his central nervous system. Mr. Miller must be restrained and directly supervised 1 to 1 to prevent him from exiting Bethany (J1529-33 Village, prevent him from frequent falls and restrict his access to physical contact with other residents. A statement of the Bethany Village Nursing Home diagnosis for Paul A. Miller is attached hereto, fully incorporated by reference and marked for identification as 15. The Incapacitated Person has been receiving an increasingly higher level of care and services at Bethany Village since approximately May of 2000. He was transferred to the Skilled Nursing Center on October 8, 2001. Steps taken to provide care have included the use of a wander guard bracelet to activate alarms to alert the nursing staff when he attempts to exit the building, the use of a Broda chair with sensor alarms and a seat belt, and a redesign of his room to attempt to prevent numerous abrasions and bruises as a result of his numerous fails. 16. Steps have been taken to find less restrictive alternatives for the alleged incapacitated person but agents conclude that none are available other than Bethany Village improving their services. 17. The specific areas of incapacity over which she has requested the guardian be assigned powers is a plenary guardian of all of the affairs of the alleged incapacitated person, Paul A. Miller, and his finances. 18. The Petitioner is fully qualified and capable to act as guardian. A true and correct copy of her personal resume is attached hereto, fully incorporated by reference and marked for identification as Exhibit "E". Exhibit "D". 01529-33 19. The current attorneys-in-fact, Joseph A. Miller and Patricia Ann Miller, have been charging and receiving compensation at the rate of $30.00 per hour for their services as attorneys-in-fact. Over the last 8 months alone they have been paid $29,450. The services charged are in addition to the fees incurred by a private duty nurse hired for the Incapacitated Person by the agents. Many of the services charged by the agents are no more than visiting with the Incapacitated Person as any child would do for their parent free of charge. Petitioner would agree to serve at a compensation rate of $15.00 per hour with reimbursement only of actual out-of-pocket expenses which she may incur in her capacity as guardian of the person and property of the alleged incapacitated person. She promises to limit expenses for services to no more than $10,000 per annum and to charge only for actual services performed for which another person would expect to be compensated. 20. Petitioner also seeks an order of this court that Joseph A. Miller and his wife Patricia Ann Miller be removed as attorney-in-fact for Paul A. Miller in light of their acts of dishonesty, self-dealing and clear breach of fiduciary duty. This request is set forth in a separate Petition submitted to the court at the same time as this Petition for Adjudication of Incapacity and Appointment of a Plenary Guardian of the Estate and Person of Paul A. Miller. The averments of the two Petitions should be taken together by the Court and all averments fully incorporated by reference. 21. This court has jurisdiction over the alleged incapacitated person and the attorney-in-fact pursuant to 20 Pa. C.S.A. 712(4), 20 Pa. C.S.A. 5601 et sec. and 20 Pa. C.S.A. 5511 et sec. 01529-33 22. The alleged incapacitated person's net worth, to the best of Petitioner's knowledge is over $900,000. To the best of Petitioner's knowledge the income of the alleged incapacitated person is approximately $100,000 per year at the present time. 23. Because of the alleged incapacitated person's mental, physical and psychiatric impairments he lacks the capacity to make or communicate responsible decisions or to manage his financial affairs including the ability to communicate his need for assistance. 24. The severity of the alleged incapacitated person's mental, physical and psychiatric condition necessitates that a plenary guardian of his estate be appointed to manage and handle all aspects of his estate and further that a plenary guardian of his person be appointed to handle all issues relating to the person of the alleged incapacitated person, specifically including, but not limited to his living arrangements, his medical and physical care and all other matters relating to his day to day living needs. He is further in need of a guardian to protect his finances from the dishonesty of his attorney-in-fact. 25. No other court has ever assumed jurisdiction in any proceeding to determine the capacity of the alleged incapacitated person. 26. No other guardian has been appointed for the estate or person of the alleged incapacitated person. All of his personal and financial affairs have been handled pursuant to the aforesaid Power of Attorney held by his son, Joseph A. Miller, and daughter-in-law, Patricia Ann Miller, as previously set forth. WHEREFORE, Petitioner respectfully requests: (a) That this Court award a citation directed to Paul A. Miller, 0'1529-33 the alleged incapacitated person, and to such other persons as this court may direct, to show cause why Paul A. Miller should not be adjudged a fully incapacitated person and his daughter, Marcia M. Lentz, appointed plenary guardian of his person and his estate, (b) Petitioner further requests this court immediately suspend the powers of the agents Joseph A. Miller and Patricia Ann Miller, attorneys-in-fact, as a result of their acts of dishonesty, and to immediately remove them from acting as agents for Paul A. Miller. (c) Petitioner further prays that this court appoint an emergency guardian pursuant to 20 Pa. C.S.A. 5513 of the person and estate of the incapacitated person, Paul A. Miller, in that a failure to make appointment will result in irreparable harm to his estate in light of the conduct of the attorneys-in-fact, Joseph A. Miller and Patricia Ann Miller. ZIMMERMAN, PFANNEBECKER, NUFFORT & ALBERT By: ~/Rich~rd~rt, Esquire Attorney I.D. ~16044 Attorney for Petitioner 22 South Duke Street Lancaster, PA 17602 (717) 299-0711 0~529-33 ~ VERIFICATION I, MARCIA M. LENTZ, verify that the statements made in the foregoing Petition for Adjudication of Incapacity and Appointment of a Plenary Guardian of the Estate and Person of Paul A. Miller are true and correct to the best of my knowledge, information, and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. tMarcia M. Lentz EXHIBIT A DURABLE GENERAL POWER OF ATTORNEY NOTICE THE PURPOSE OF THIS POWER OF ATTORNEY IS TO GIVE THE PERSON YOU DESIGNATE (YOUR "AGENT") BROAD POWERS TO HANDLE YOUR PROPERTY, WHICH MAY INCLUDE POWERS TO SELL OR OTHERWISE DISPOSE OF ANY REAL OR PERSONAL PROPERTY WITHOUT ADVANCE NOTICE TO YOU OR APPROVAL BY YOU. THIS POWER OF ATTORNEY DOES NOT IMPOSE A DUTY ON YOUR AGENT TO EXERCISE GRANTED POWERS, BUT WHEN POWERS ARE EXERCISED, YOUR AGENT MUST USE DUE CARE TO ACT FOR YOUR BENEFIT AND IN ACCORDANCE WITH THIS POWER OF 'ATTORNEY. YOUR AGENT MAY EXERCISE THE POWERS GIVEN HERE THROUGHOUT YOUR LIFETIME, EVEN AFTER YOU BECOME INCAPACITATED, UNLESS YOU EXPRESSLY LIMIT THE DURATION OF THESE POWERS OR YOU REVOKE THESE POWERS OR A COURT ACTING ON YOUR BEHALF TERMINATES YOUR AGENT'S AUTHORITY. YOUR AGENT MUST KEEP YOUR FUNDS SEPARATE FROM YOUR AGENT'S FUNDS. A COURT CAN TAKE AWAY THE POWERS OF YOUR AGENT IF IT FINDS YOUR AGENT IS NOT ACTING PROPERLY. THE POWERS AND DUTIES OF AN AGENT UNDER A POWER OF ATTORNEY ARE EXPLAINED MORE FULLY IN 20 PA.C.S. CH. 56. IF THERE IS ANYTHING ABOUT THIS FORM THAT YOU DO NOT UNDERSTAND, YOU SHOULD ASK A LAWYER OF YOUR OWN CHOOSING TO EXPLAIN IT TO YOU. I HAVE READ OR HAD EXPLAINED TO ME THIS NOTICE AND I UNDERSTAND ITS CONTENTS. Signature: Date: PAUL A. MILLER I, PAUL A. MILLER, Lower Allen Township, Cumberland County, Pennsylvania, do make, constitute, and appoint my son and daughter-in-law, JOSEPH A. MILLER and PATRICIA ANN MILLER, severally, as my Agent. This Power of Attorney shall not be affected by my subsequent disability or incapacity. My Agent shall have full power and authority to act on my behalf. This power and authority shall authorize my Agent to manage and conduct all of my affairs and to exercise all of my legal rights and powers, including all rights and powers that I may acquire in the future. This Power of Attorney shall be construed broadly as a General Power of Attorney. The listing of specific powers is not intended to limit or restrict the general powers granted in this Power of Attorney in any manner. My Agent's powers shall include, but not be limited to, the power to: Open, maintain or close accounts, including, but not limited to, checking accounts, savings accounts, brokerage accounts, and other similar accounts with financial institutions. Conduct any business with any banking or financial institution, including but not limited to, making deposits and withdrawals, obtaining bank statements, passbooks, drafts, money orders, warrants, and certificates or vouchers payable to me by any person, firm, corporation or political entity. 3. Have access to any safety deposit box that I might own, including its contents. Sell, exchange, buy, invest, or reinvest any assets or property. Such assets or property may include income producing or non-income producing assets or property. Sell, convey, lease, mortgage, manage, insure, improve, repair, or perform any other act with respect to any of my property (now owned or later acquired) including, but not limited to, real estate and real estate rights (including the right to remove tenants and to recover possession). This includes the right to sell or encumber any homestead that I may own in the future. Exercise all stock rights on my behalf as my proxy, including all rights with respect to stocks, bonds, debentures or other investments. Perform any act necessary to deposit, negotiate, sell or transfer any note, security, or draft of the United States of America, including U.S. Treasury Securities. 8. Borrow money. 9. Engage in retirement plan transactions. 10. Enter into binding contracts on my behalf. 11. Take any and all legal steps necessary to collect any amount or debt owed to me, or to settle any claim, whether made against me or asserted on my behalf against any other person or entity. 12. Purchase and/or maintain insurance, including life insurance upon my life or the life of any other appropriate person. -2- 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. Prepare, sign, and file documents with any governmental body or agency, including but not limited to, authorization to: ' Prepare, sign and file income and other tax returns with federal, state, and local and other governmental bodies. bo Obtain information or documents from any government or its agencies, and negotiate, compromise, or settle any matter with such government or agency (including tax matters). Prepare applications, provide information, and perform any other act reasonably requested by any government or its agencies in connection with governmental benefits (including military and social security benefits). Open one or more qualified state tuition program accounts under Section 529 of the Internal Revenue Code and, with respect to such an account: change the designated beneficiary; transfer contributor rights; and otherwise make decisions that are within the discretion of the contributor to such an account. Create a trust for my benefit to be funded by property belonging to me or to make additions to any existing trust for my benefit. Withdraw and receive the income or corpus of a trust. Handle interests in estates and trusts. Disclaim any interest which might otherwise be transferred or distributed to me from any other person, estate, trust, or other entity, as may be appropriate. Renounce fiduciary positions. Claim an elective share of the estate of my deceased spouse. Employ professional and business assistance as may be appropriate, including attorneys, accountants, and real estate agents. To authorize, withhold, or withdraw medical care and surgical procedures; To authorize, withhold, or withdraw nutrition (food) or hydration (water) medically supplied by tube through my nose, stomach, intestines, or veins; To authorize my admission to or discharge from a medical, nursing, residential, or similar care facility and to make agreements for my care, including hospice care; To have full access to my medical and hospital records and all information regarding my -3- physical or mental health; 26. To hire and fire medical, social service, and other support personnel responsible for my care; 27. To make an anatomical gift of all or part of my body; 28. To take any legal action necessary to do what I have directed. Any power or authority granted to my Agent under this document shall be limited to the extent necessary to prevent this Power of Attorney from causing (i) my income to be taxable to my Agent, (ii) my assets to be subject to a general power of appointment by my Agent, and (iii) my Agent to have any incidents of ownership with respect to any life insurance policies that I may own on the life of my Agent. My Agent shall not be liable for any loss that results from a judgment error that was made in good faith. However, my Agent shall be liable for willful misconduct or the failure to act in good faith while acting under the authority of this Power of Attorney. My Agent shall be entitled to reasonable compensation, during my lifetime or upon my death, for any services provided as my Agent. My Agent shall be entitled to reimbursement of reasonable out-of-pocket expenses incurred in connection with this Power of Attorney. My Agent shall provide an accounting for all funds handled and all acts performed as my Agent, ifI so request or if such a request is made by any authorized personal representative or fiduciary acting on my behalf. IN WITNESS WHEREOF, I have hereunto set my hand and seal this r-'tteh 20 ~ t , revoking all previous general powers of attorney. ~day of ~/o~o,,. Signature: Witness: PAUL A. MILLER (SEAL) -4- STATE OF PENNSYLVANIA : : 'SS: COUNTY OF LANCASTER : On this the ..~day of O~ ~ ,20 O l before me the undersigned officer, personally appeared PAUL A. MILLER, known to me or satisfactorily proven to be the person whose name is subscribed to the within instrument, and acknowledged that he executed the same for the purposes therein contained. IN WITNESS WHEREOF, I hereunto set my hand and notarial seal the day and year aforesaid. Acknowledgment by Agent I, JOSEPH A. MILLER, have read the attached power of attorney and am the person identified as the agent for the principal. I hereby acknowledge that in the absence of a specific provision to the contrary in the power of attorney or in 20 Pa.C.S. when I act as agent: I shall exercise the powers for the benefit of the principal. I shall keep the assets of the principal separate from my assets. I shall exercise reasonable caution and prudence. I shall keep a full and accurate record of all actions, receipts and disbursements on behalf of the principal. Signature: ~ ~, ~ Date: JOSEPH A. M~LLI~fi ' Acknowledgment by Agent I, PATRICIA ANN MILLER, have read the attached power of attorney and am the person identified as the agent for the principal. I hereby acknowledge that in the absence of a specific provision to the contrary in the power of attorney or in 20 Pa.C.S. when I act as agent: I shall exercise the powers for the benefit of the principal. I shall keep the assets of the principal separate from my assets. I shall exercise reasonable caution and prudence. I shall keep a full and accurate record of all actions, receipts and disbursements on behalf of the principal. PATRICIA ANN MILLER Date: I 0.-,~-0 1 -5- EXHIBIT B 16:34 WAYPOINT INVESTHENT GROUP-HBG ID=717 980 2384 P82/84 -waypoJnr BanK h,,llhl,,h,hl,,I,,Ih,,hl,li,,,,,,llhl,,,,ll,I BANKCARD SERVICES P.O. bOX 15019 WILMINGTON, DE 19886-5019 ~ W~ ~ 1 ~-~7046 Home phone WMtc lYhoM www.lbsnetaocees.com C;~qDHOLO,' R 200t 5490998051013598 mm PAUL A MILLER : CO TRUST DPT 235 N 2ND ST ~ PO BOX 1711 '- HARRISBURG PA 17105-171111 18 0027034400005%000005%9099805101~598 02/ 19/04 pMIIA~ Trmleidted~ M~n~e O~d'~ ~ J I ~ I~ ta~ 1~ I FES~Y 2~ $TATEME~ PAVHENTs AND CREDiTS 02/02 0312 MC OCPENNEY CO 2712 CAKP HILL PA 02/06 3575 NC HECHT'S #29 CAMP HILL PA 02/0~ 2758 MC HECHT'S #29 CAMP HILL PA 02/~9 02/15 6a34 MC PAYMENT - THANK YOU PURCHASES AND ADUUSTMENTS $5-4.00 I 03/19/04 ~4a~ 01/23 01/22 6518 MC C W[[S ~ARKET #125 CAMP HILL PA 18.14 01/23 01/22 7845 MC C FOOTSMART PRODUCTS 800-230-4077 GA MA~L/PHONE 30.A? 0t/23 01/22 4400 MC C CAEP H[LL DISTRU~OR LEMOYNE PA 74.20 0t/23 01/22 4418 MC 0 CA~P HILL CZSTRUBOE LEI~COYNE PA 1~1.30 01/24 01/22 0239 MC C RITE AID STORE 1074 LEMOYNE PA 18.00 01/24 01/23 7351 MC C FOOTSMART PROOUCTS 800-230-4077 GA MA~L/PHONE 30.47 01/24 0t/23 4048 MC C CAMP HILL DZSTRUBOR LEMOYNE PA 112.36 01/26 01/25 0994 MC C W[~S MARKET #125 CAMP HILL PA ~4.40 01/27 01/24 8227 MC C THE BOM TON ~3t CAMP HILL PA . 87.9~ 01/27 01/26 6078 MC C KARN5 QUALITY FOOD LEMOYNE PA 32.17 01/28 01/27 7858 NC C ~E[S MARKET ~125 CAMP HILL PA 162.82 01/29 01/27 8073 MC C HESS ~a~56 LEMOYNE PA 14,8; 01/30 0~/29 0148 MC C BO ~HOLESALE #0025 ~OX HARRISBURG PA 109.78 FEB 2 7 200% 89.97 CR · 9.99 CR 29.99 CR 7,819.28 CR IMPORTANT NEWS ENJOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER, CRED[T PROTECTION: t/HAT TOOK YEARS TO PERFECT TAKES dUST MINUTES TO PROTECT, ENgOLL TODAY - CALL 1-800-442-2830, MAKE YOUR L~FE EASIER. USE YOUR ~BS CRED[T CARD TO PAY YOUR MONTHLY SERV2CE PROV~D£R$. VISIT ~,ZESD[RECTPAY,CO~, &UMM~Y OF TRANSACTIONS Ifil ~ I I I i I ~?, e 19.2 ~ $7,949- '~'~ GO.OO FINW ~GE SCHEDULE A, BA~NCE TRANSFERS, CHECK~.o,~%DLY a. ATM, BA~ ................. 0.~0~ DLY PURCHASES ................... 0.041068% DLY (+) ~.nd ~;2,833.39 NAIl C~ c~l Go.co 0.00% o,oo~ 14. ANNUAL PERCENTAGE RATE, ..... :SEE ABOYE PLEASE ~EE REVERSE SIDE FOR IMPORTANT JNF~nMaTIC)N $0.00 Fln~ Ct~rge $o.oo 5490 9980 5101 3598 Iljl[ II _L_ lmm (-) =BaJ~e 11 p~~ .......... ~0.00 / I C~ Pwm~ ................. $34. O0 $2,?03.44/I T~ M~m~ PW "/I ~ ~ ~A~TI~, ~BYM~B, ~BY DAY 1~Ig. . ' BANKCARh R~I~ P 0 1~850.~6_ ' ' ' 2515 57N Y 2RT PAGE Wq point Bank WAYPOINT IkIVESTHIKNT GROUP-HBO D LAT r N rJ/~[ pLUs~ www. lbsnetaccel~$.cor~ ~,,---~ h,,llhh,h,hh,l,,Ih,,hhlh,,,,,lll,h,,,Ihl G)~KC,LRD SRRYZCE$ ?,0. BOX 15019 WILM]:NGTON, DE 19886-5019 F~' aae~aum ~rrn~ r. aJl 1 -$00-2~3-?048 5490 9g80 5101 3598 CARBHOLDER SINGE 200t 18 I $12'300'00 I $9.~96.5G ID=TIT 9B9 2384 P03/84 5490 ~OBO 510t 3598 PAI?/~NT ~ DXTE NLIW ~u..ANCE TOT,aL MI~MUM P~ DUE. .aMouArr £NCLC~ED DEr,~H 70P ~OR~ON AND RETURN WiTH PAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 PURO'IASES AND ADUUSTHENTS FEBRUARY 2004 STATEMENT 01/30 01/29 7060 MC 02/02 01/3t 2582 MC 02/02 0t/31 0310 MC 02/02 01/31 2574 MC 02/02 02/01 974fl MC 02/03 02/02 5445 MC 02/03 02/02 2245 MC 02/05 02/04 7299 MC 02/09 02/07 7882 MC 02/09 02/07 213~ MC 02/09 02/07 7185 MC 02/10 02/08 0402 MC 02/il 02/09 0405 MC 02/11 02/10 0053 MC 02/11 02/10 3519 MC 02/12 02/10 0450 MC 02/12 02/11 6330 MC 02/12 02/I1 5362 MC c LEFMAN MOTORS VOLVO MECHANICSBURGPA 570.27 C HECHT'5 #29 CAMP HILL PA 59.98 C UCPENNEY CO 2712 CAMP HILL PA B9.S7 C HECHT'S #29 CAMP HILL, PA 214.93 C VEtS MARKET #125 CAMP HILL PA 69.84 C HEPFER'5 TRUE VALUE LEMOYNE PA 16.00 C WEIS MARKET #125 CAMP HILL PA 53.67 C WEIS H, ARKET atIS CAMP HILL PA 55.43 C ads FUEL #9025 WOX HARRISBURG PA 19.56 C BLOCKBUSTE~ VIDEO #420 LEMOYNE PA 12.~9 C BU WHOLESALE #0025 WOX HARRISBURG PA t66.36 C RITE A[~ STORE 1074 LEMOYNE PA 1§.~4 C STEPHEN50~ S FLOWE-FTD LEBANON PA 95.37 C WEIS MARKET #125 CAMP HILL P* ss.ss C ETH ETHEL M CHOCOLATES 800-438-438& flv MAIL/PHONE 61.95 C RADIO SHACK 00118489 LEMOYNE PA 6,35 C USPS 41348T0043 LEMQYNE PA 1~.22 C KARNS QUALITY FDDD LEMOYNE PA 40.53. IMPORTANT NEWS ACCESSING ADDITIONAL CASH IS EASY! PRESENT YOUR CREDIT CArD AT THE BANK COUNTER, DR CALL 1-800-771-3575 TO REQUEST A PIN CODE FOR USE AT AN ATM. im SUMMARY OF TR)J~?J~T;ONS _ II lilt TO1AL MINJM~M P,~'M£NT DUE Pred~us galan:, ;7,819.28 $7,949.23 SO.O0 FIH~CE ~H~GE ~OHEDU~ A. BALANCE TRANSFERS. CHEGK$.C.O0~ DLY B. ATM, BANK ................. 0.0000~% DLY C. PURCHASES ................... 0.041068% (+) Pumhmmo~, ~ (+) P~lm~lc Ri;tm /,~llu~enta ] F~ I Sulqee~o 0.00~ o.oo% 14 .gg% ~ ~QE6 T~ P~ D~ ~oum .............. $0. O0 Cu~ P~m~ ............... $54. O0 $o.oo [ S2,903.44 ~ ............................. ~S4.oo I F~ YOb~ ~A~SFACTION~ ~Y HOUR, ~RY DAY ~ 1 · Md ~.m~m ~: ~ S~ICE$, P,O. BOX 1~19, ~TON, ~ 54~00g80 ~I01 ~98 PAG~ 2 OF ~ FOR ~ BILLING PERIOD: ANNUAL PERCENTAGE RATE_ ..... BEE ABOVE ~3-~5-S~ 15:35 ~AYPOINT INVESTMENT GROUP-HB~ ID-717 W point Bank www.ibsnetaccess, eom BRNKCAXD ~ERVICES P.O. BOX 15019 NI~INGTON, DE 19886-5019 CARDHOLOWR 2001 PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 17!1 HARRIS3URG PA 17105-171111 ~ ~ ~ ~ FEBRU~Y 2004 STATEME~ ~Es ~ ~~S 02/13 02/11 0433 ~ C RITE A/D STORE 1074 LEMOYNE PA ~/t~ 02/11 04~ MC'. C RITE AID STORE 1074 LENOYNE PA 02/16 02/13 0442 MC C ~ELLER S FLOWER S-FTD ELIZABET~OVNPA TOTAL FOR BILL1~ ~E F~M'O1/23/200& ~U~ ~/19/2~4 00ZT034400005400000549099805101B598 SO t48.12 146. 12 $2,833.39 $?, 049.23 C~ IMPORTANT NEWS ~UMMARY OF TRANE;ACTIONS {.) Pnyme~a $7,g49.23 A~van~M $0.00 O. 00% O. O0% FOR TH~ ANNUAL pERCENTAGE FtATE. ......... SEE ABOVE $O. Oo TOTAL MINIMUM p.~AMetrr DUE ~ Pa~nn~m .............$54 . O0 $2,703.44 T~mt Mlramum Peem,~t D~,, ............................. ~54.00 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Idd Im~rrm~ts ~. BANKC, ARD SERVICES, P.O. ~OX ~019. Wp_mWGTOI% D~ ~ANKCARD ~RVIC~R D O ROY IF, O~fi ~I1MIHGTON DE 2515 ~7N Y 2ET 1113 0300 OO o 5490'9980 5101 3598 1 2, 3OD. O0 [Tren--sl~on Reference CarO CategoryI Transactto~s Posting te 1Number PAYMENTS AND CREDTTS 12/27 7421 MC 01/02 8002 PURCHASES AND ADdUSTMENTS 12/20 12/18 3532 MC C ETH ETHEL M CHOCOLATES B00-438-4356 NV MAIL/PHONE PAYMENT - THANK YOU RITE AID STORE 1074 LEMOYNE PA ~15.oo 12/20 12/18 1038 12/20 12/18 2220 12/20 12/19 1352 12/20 12/19 1360 12/20 12/19 1378 12/20 12/19 0120 12/22 12/19 6836 12/22 12/19 0300 12/22 12/20 7536 12/22 12/20 4785 12/22 12/20 7711 12/22 12/20 6346 12/22 12/20 0014 12/22 12/20 5345 MC C ONE GOOD WOMAN CAMP HILL PA MC C BORDERS BKS/MU01004555 CAMP HILL PA MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE MC C NATL BOARD FOR CERT CO 336-5470607 NC MC C CVS #1622 LEMOYNE PA MC C UNIV PA/WPXN PHILADELPHIA PA MC C THE KOFEE GRINDER CAMP HILL PA MC C BARNES & NOBLE #2046 HARRISBURG PA MC C dD COUNTRY CAMP HILL PA MC C ARMITAGE GOLF COURSE MECHANICSBURGPA MC C DO IT YOURSELF SPA CAP CAMP HILL PA MC C ONE GOOD WOMAN CAMP HILL PA 72.00 02/16/04 t35.68 251.40 47.44 47.44 47.44 526.00 14.96 75.00 12.49 33.37 47.70 54.0O 63.60 75.26 C[ed~ (CR) 27.20 CR 4,197.01CR JAN 3 0 200 IMPORTANT NEWS PLEASE SEE YOUR NEW PAYMENT DUE DATE ABOVE. IF YOUR TOTAL MINIMUM PAYMENT DUE IS RECEIVED AFTER THE PAYMENT DUE DATE YOU MAY BE ASSESSED LATE FEES, YOU MAY LOSE YOUR PROMOTIONAL RATES, AND THERE MAY BE ADDITIONAL RATE AND FEE IMPACTS TO YOUR ACCOUNT. ALLOW AT LEAST FIVE DAYS MAIL TIME. CREDIT PROTECTION: WHAT TOOK YEARS TO PERFECT TAKES dUST MINUTES TO PROTECT. ENROLL TODAY - CALL 1-800-442-2830. SUMMARY OF TRANSACTIONS Previous Balance (-) PaymentJi I (+) Cash i1 (+) Purchases and a~ld C4ecllts A~an~e~ Adju~ent~ ~4,~97.0] ~4,224.2[ ~ 50.00 [ $7,846-48 FINANCE CH~GE SCHEDULE Pefl~ic R~e Cat~ Cash A~vances fl. BALANCE TRANSFERS, CHECK5.O.O00~0% DLY 0.~ B. AT~. BANK ................. 0.000~0% DLY 0.00% C. PURCHASES ................... 0.041068% DLY 14 99% 1) Pedodlc Rate $0.00 Co~espon~ng Annuad Percentage R~ts FOR THIS BILLING PERI,OD; ANNUAL PERCENTAGE RATE. ................. SEE ABOVE :)LEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION. (+) Trennaclloa Fee I IRI~C~ CHARQESI ~;o.0o I Balance Subject to Finance Charge $0.00 5490 9980 5101 3598 I I- TOTAL MJNIMUM PAYMENT DUE (,~ Ne~ B,,.nc. Total Past Due Amount ................. $0. O0 I~ Cun'ent Payment .................. $3.5.00 FOR YOUR SATISFACTION, EVERY HOUR, EVERYDAY · Fo( Caslomcw SalJslacl~o and up lo Ihs minute automated infc~mafim indudint add, ess inl(xmalk~, e~ Io request duplicate slatemea s, call i-I-BOO ~Z~/U~- - · Fa TBD (TelecommunicalJeo Device lot b~e Deaf) assistance, ~ 1-800-346-3178. · Mai paymea[$ Io: BANKCARD SERVICES, P.O, BOX 15019, WILMINGTON, 19886.5019. · Billing rights me Fesaved o~ly by wfille~ i~quiry. Mail biiln§ i~qub'ies, usmg kxm on Ihs back and o~er i~ui~ies BANKCARD 'SERVICES; P.O. BOX 1~26. WILMINGTON 19850-5026. 7 51X Y 007 1303 0000 O0 PAGE 1 OF 5 Waypoint Bank ]) LATIN U ZVi pLUS* www.lbsnetaccess.com u.~. u.o, h,,llhh,h,hh,h,lh,,M,Ih,,,,,llhh,,,Ihl BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 For account Infona,Uon ca~ 1 -B00-223-7046 Print change ot &ddresa or new tele~hofle number betow CAy State ( ) ( CARI~'IOLDER SZNCE 2001 ~cou~ ~UMe~R , 5490 9980 5101 3S98 PAYMENT DUE DATE NEW BALANCE TOTAl.. TOTAL MINIMUM PAYMENT DUE AMOUNT ENCLOSED DETACH TOP PORTION AND RETURN WITH PAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 ~90 9980 5101 3598 ~ S12.3~.~ ~ $4,4ao.72 34 D~e N~ Type d~UARY 2~4 STATEME~ PoeUng Date PURCHASES AND ADUUSTMENTS 18 O0781928000015000005AgOggBOSlO13598 12/22 12/20 8347 MC C BO WHOLESALE #0025 WOX HARRISBURG PA 12/22 12/21 2723 MC C KARNS QUALITY FOOD LEMOYNE PA 12/22 12/21 3102 MC C WEIS MARKET #125 CAMP HILL PA 12/23 12/21 3562 MC C RITE AID STORE 1074 LEMOYNE PA 12/23 12/22 1631 MC C KARNS QUALITY FOOD LEMOYNE PA 12/23 12/22 0785 MC C NATL BOARD FOR CERT CO 336-5470607 NC 12/24 12/22 7381 MC C BdS FUEL #9025 WOX HARRISBURG PA 12/24 12/22 3579 MC C RITE AID STORE 1074 LEMOYNE PA 12/24 12/22 3579 MC C RITE AID STORE 1074 LEMOYNE PA 12/24 12/22 3579 MC C RITE AID STORE 1074 LEMDYNE PA 12/24 12/23 0335 NC C MOMENTUM FITNESS CENTE LEMDYNE PA 12/24 12/23 0343 MC C MOMENTUM FITNESS CENTE LEMOYNE PA 12/26 12/23 3586 MC C RITE AID STORE 1074 LEMOYNE PA 12/26 12/23 3572 MC C OCPENNEY CO 2712 CAMP HILL PA 12/26 12/23 6384 MC C SEARS ROEBUCK 2624 CAMP HILL PA 12/26 12/24 0015 MC C NEWS CENTER WEST LEMOYNE PA 12/26 12/24 2516 MC C BO WHOLESALE #0025 WOX HARRISBURG PA 12/26 12/24 6331 MC C WEIS MARKET #125 CAMP HILL PA Clom~ Dm, tm Tcem~ Minimum Pm~m~t Due Pm),mer~ Due Dm. tm Dharge$ Credits 194.93 31.74 188.17 75.70 17.25 24.95 18.85 40.24 126.36 418.81 132.00 234.00 12.58 42.40 104.98 20.73 71.36 98.50 IMPORTANT NEWS MAKE YOUR LIFE EASIER. USE YOUR IBS CREDIT CARD TO PAY YOUR MONTHLY SERVICE PROVIDERS. VISIT WWW.IBSDIRECTPAY.COM. SUMMARY OF TRANSACTION~ $4,197.01 (-) Paymenlm and Ctedite $4,224.2! (+) Ceah Advanoem $0.00 ~NANCECHARGE$CHEDULE Cal~my Pe~odlcRa~ Cash Advances A. BALANCE TRANSFERS, CHECKS.o.o00000% DLY B. ATM, BANK ................. 0,000000% DLY C. PURCHASES ................... 0.041068% DLY (+) Purchames end AdJumtmen~ FINANCE(+) Peflodl¢;c~ARQESRate $7,846.48 $0.00 CorraapondJng Annual Percen~ge Rate O. 00% O. 00% ~ 4.99% FOR THIS BILLING PERIOD: ANNUAL PERCENTAGE RATE. ................. BEE ABOVE $0.00 5490 9980 5101 3598 TOTAL MINIMUM PAYMENT DUE Current Payment .................. ~ 15.00 Total Minimum Payment Due ...................................... $]5.00 FOR YOUR SATISFACTION, ~ERY HOUR, EVERY DAY * F~ Cus~m~ ~la~ m~d up to Ihe mi,ute ~1~1~ inf~ ~d~ b~, avai~e a~t, p~m~ ~mv~, payrolls ~e. ~e date.paym~: addr~ ~f~ma~, ~ t0 r~l ~p~te slal~ts, ~ 1 ~00-PP3-704 F~ T~ O~ni~ D~ la ~e ~1) ~sisl~, ~ 1-~34~-3178. * M~I p~m~ Io: DANKC~D SERVICES, P.O. ~X 1~19, WILMINGTON, 1~-~t9. - Bi~ing ri~ ~e p~ ~ by ~iltm h~ky. Mail bahg inquirm~, us~g f~m ~ ~e back, ~d o~ ~qubi~ 10: B~KCA~ SERVICES. P_O. BOX 15~. W 198~-50~. 7 5tX Y 007 1303 O~ W.' ayiS.oint Bank M,*. c~* I,,,111,1,,I,,I,1,,I,,11,,,I,1,11,,,,,,111,1,,,,11,1 BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 For accoum Infonaat~o~ call 1-800-223-7046 Print change of addretl or new tala¢~ number balow City ~ Zip ( ) ( ) pLATINUM pLUs. www. ibsnetaccess.com CARDHOLDER SINCE 2001 ACCOUN"hNUMBER 5490 9980 5101 3598 PAYMENT DUE DATE NEW B,~..A~ICE TOTAL TOT/al. MINIMUM PAYMENT DUE AMOUNT ENCLOSED DETACH TOP PO~TIC)N AND RETURN W/TH PAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 Home phone Work phone Acx:<x/r~ Nu~e~' C,~/t/.Jrle 18 00781928000015000005490998051013598 Posing Date 5490 9980 5101 3598 s 12,3oo. os Tranaa(~on Rd~ence Card Catego,.y Traneac'do~e Date Num~ Ty~ PURCHASES AND ADUUSTMENTS $4,480.72 34 UAMJARY 2004 STATEMENT LEMOYNE PA LEMOYNE PA LEMOYNE PA MECHANICSBURGPA CAMP HILL PA LEMOYNE PA HARRISBURG PA MECHANICSBURGPA CAMP HILL PA LEMOYNE PA MECHANICSBURGPA LEMOYNE PA MECHANICSBURGPA LEMOYNE PA CAMP HILL PA MECHANICSBURGPA CAMP HILL PA HARRISBURG PA 12/26 12/24 4636 MC C DICK BLICK800 447 1892 12/27 12/24 4633 MC C LIBERTY PRIMITIVE AND 12/29 12/27 9504 MC C HESS 38256 12/29 12/27 4864 MC C THE HOME DEPOT 4120 12/29 12/27 9242 MC C BIG LOTS #014100014134 12/29 12/27 3622 MC C RITE AID STORE 1074 12/29 12/27 8022 MC C BO WHOLESALE #0025 WOX 12/29 12/27 7274 MC C STAPLES #643 12/29 12/27 7051 MC C LINENS N THINGS #281 12/30 12/28 3639 MC C RITE AID STORE 1074 12/30 12/28 6911 MC C STAPLES #643 12/30 12/29 7647 MC C CALLEN KINBACK, INC. 12/30 12/29 7116 MC C LEHMAN MOTORS VOLVO 01/02 12/31 5775 MC C HESS 38256 01/02 12/31 1186 MC C WEIS MARKET #125 01/02 12/31 7114 MC C LEHMAN MOTORS VOLVO 01/03 01/02 6457 MC C MICHAEL'S #2754 01/05 01/02 0687 MC C Bd WHOLESALE #0025 WOX Ck3alng D4ee TM/Minimum Paymer~ Due Pa)awent Due Date Chargea C. redlt~ 189 71 8 90 4 32 t05 97 122 73 159 86 176 98 228 78 220 50 12 17 61.45 73.01 373.33 ' 20.07 59.77 216.26 42.85 87.88 IMPORTANT NEWS IIII SUMMARY OF TRANSACTIONS TOTAl. MINIMUM PAYMENT DUE Previoua Balance {-) Payment. amd C~edl~ $4,197.01 ~;4,224.21 (+) Ceah Advancea $0.00 (+) Purchaees and AdJu~t~nenta $7,846.48 FINANCECHARQE$CHEDULE Cash A~vances A. BALANCE TRANSFERS, CHECK$-o.o00000% DLY B. ATM. 6ANK ................. 0.000000% DLY C. PURCHASES ................... 0.041068% DLY FOR THIS BII. ZJN~ PERIOD: ANNUAL PERCENTAGE RATE. ........... SEE ABOVE (f-~) Periodic Rate NANCE CHA~8 $o.o0 o.oo% 14.99% Balance Subject to Fl~an~® Charge (+)T .... ctionFae I (-) New Balance Jl FIM~NCE ~HA/1GIE8 Total IJ Past Due Am~nt ................. $o. OS Current Payment .................. ~ 15.00 $0.00 $7,819.28 Total Minimum Payment Due ...................................... I;15.00 FOR YOUR SATISFACTION, EVERY HOUR, EVERYDAY · FOr Ca$1ofll<~ SalJslacJkm and up to Ihe minulo automated inlorma[<m including balance, ava~able (3'edit, payments received, paymants due, due dale,payment address inlormalion, (~ Io ;equesl dup~icale slaleme~ls, call 1-800-223-7046 · F~' TOO (l'elecommunicalian Device lo U,e Deal) assisla~ce, c~l 1-800-34&-3178. · Mailpaymea~ to: BANKCARD SERVICES, P.O. BOX 150~9. WILMINGTON. D[ $0. O0 19886-5019. · Billing dghls me preserved only by whiten inqui, y. M~ billing inquiries, using f(xm mi Ihe back, and ~ inqukies lo: BANKCARO SERVICFR. P.O_ BOX 15026. WILMINGTON, D[ 19850-5026. 7 51X Y 007 1303 0000 O0 5490 9980 5101 3598 PAGE 3 OF 5 Corresponcllng Wayp int Bank % BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 For account Intormat~an call 1-800-223-7048 Pdnt change at Iddrasl o~ new tetep~cxle IteJaYD~r below Addral~ ])LATINUM plUS, www. ibsnetaccess.com CARDHOLDER SINCE 2001 ~C. COU&~ NUMBER I 5490 9980 5101 3598 PAYMENT DUE DATE NEW BALANCE TOTAL 02/16/04t $7'819'28 I TOT~.. MINIMUM PAYMENT DUE AMOUNT ENCLOSED DETACH TOP PORTION AND RETURN WiTH PAYMENT PAUL A MILLER CO TRUST DPT PO BOX 1711 HARRISBURG 235 N ZND ST PA 17105-171111 City ~t~te Zip ( ) ~ I 18 Home phone Worn t:~one ~9o~805101 3598 t $12,3~.00 I $4,480,72 34 I 01/22/04 Po~ng Tr~ Rd~ce Card Cltegou Trmnsa~l Dme D~ N.~ Ty~ U~UARY 2004 STATENENT PUR~ASES ~ ~UUST~E~S 01/05 01/05 oi/o6 Ol/O9 01/09 01/09 01/12 01/12 01/12 01/12 01/15 01/16 01/16 01/17 01/17 01/17 01/20 01/20 01/04 0042 MC 01/04 4884 MC 01/04 1819 MC 01/07 6383 MC 01/07 8568 MC 01/08 6977 MC 01/09 0101 MC 01/10 0118 MC 01/10 7639 MC 01/ I 0526 MC 01/ 4 2082 mC 01/ 5 2091 mC 01/ 5 6862 mC 01/ 5 0162 mC 01/ 6 4438 MC 01/ 6 4420 mC 01/ 6 9664 MC 01/ 8 5006 MC 00781928000015000005490998051013598 ~/1,~, ~ C/o~lng ~ Paj,w~nt Due 02/16/04 C~ed~t~ (CR) PA PA PA ' PA PA PA PA PA PA PA PA PA RITE AID STORE 1074 LEMOYNE BO WHOLESALE #0025 WOX HARRISBURG BUS FUEL #9025 WOX HARRISBURG dOANN FABRIC #1131 LEMOYNE LINENS N THINGS #281 CAmP HILL BU WHOLESALE #0025 WOX HARRISBURG RITE AID STORE 1074 LEMOYNE RITE AID STORE 1074 LEMOYNE BO WHOLESALE #0025 WOX HARRISBURG WEIS MARKET #125 CAMP HILL WEIS MARKET #125 CAMP HILL WEIS MARKET #125 CAMP HILL Tcl/M/n/mum Pa~me~ Due $15.00 Charger 142.94 161.26 16.30 121.30 189.81 148.29 250.60 15.99 47.73 62.41 44.88 40.29 235.75 20.00 16.96 48.91 11.12 17.78 FOOTSMART PRODUCTS 800-230-4077 GA MAIL/PHONE RITE AID STORE 1074 LEMOYNE PA FOOTSMART PRODUCTS 800-230-4077 GA MAIL/PHONE FDOTSMART PRODUCTS 800-230-4077 GA MAIL/PHONE BLOCKBUSTER VIDEO #420 LEMOYNE PA Bd5 FUEL #9025 WOX HARRISBURG PA IMPORTANT NEWS SUMMARY OF TRANSACTIONS TOTAL MINIMUM PAYMENT DUE P;evl~l {~aJancl $4.197.0]. (-) Payments and Credits $4,224.21 (+) Cash (+) Purchar. es and (+) Pedodh= Rata (+) TranaaaUon Fee I (-) New Balance AdJu~3~le~l~ RN~I~ICE Cl~&J~Q~I FIN~IC~ CH~8 Tabd Pa~t Due Amount ................. $0.00 CuCa~t Payment .................. ~;15.00 $7,846.48 $0.00 $0.00 $7.819.28 Tolal Idlnimum Pmvment Due ...................................... $15.oo 0,00% 0.00% 14.99% FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · F(x C~ae~ Sa~slaci~ea and up Io ~e minule automated inla'mal~3a ~n( b~, ~ a~t, paym~ts [~v~, paym~ls ~e, ~e d~e, paym~ addr~s ~famaU~, ~ to r~u~l dup ~ale s a em~ ' F~ TOD ~ni~ ~i~ I~ ~e ~f) assisted, ~ 1~3178 · M~ ~ts lo: B~KC~D SERVICES, P.O. BOX 1~19, ~LMINGTON, $0. O0 ~9. · B~hg rights ~e pres~ ~ly by ~ill~ ~qu~. M~ b~g ~ri~, ushg from ~ the back, ~d ~m m~uiries to: BANKCARD SERVICFS. P.O. BOX 1~6. WI~INGTON 19850-~2~. 7 51X Y 007 1303 00~ O0 54~0 9980 5101 3598 PAGE 4 OF 5 I FOR THIS BILLIN~ P~JOD: I ANNUAL PERCENTAGE RATE. ........... SEE ABOVE ~NANCECHARQESCHEDULE Category P~lcR~te Cas~ Advances A. BALANCE TRANSFERS, CHECKS.O.O00000% DLY B. ATM, BANK ................. 0.000000% DLY C. PURCHASES ................... 0.041068% DLY $0.00 Corresponcllng Balance AnnuaJ Subject to Percentage Rate Finance Charge Wayppint Bank -,~ ~-~ I,,,111,1,,I,,I,1,,I,,11,,,I,1,11,,,,,,111,1,,,,i1,1 BANKC~dlD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 Fa- eccount ~a.m,-"an o~t 1-800-223-7046 P~tnl change of ad~a a- new telephone numbe~ ~eiow City State 23p ( ) ( ) www.lbsnetaccess.com CARDHOLDER SINCE 2001 Accou~, NUA4~ 5490 9980 5101 3598 PA'I'Y,/~I~ DUE DATE NEW BALANCE TOTAL I 02/16/04 t [ $7.819.28 TOTAL MINIMUM PAYMENT DUE AMOUNT ENCLOSED D~TACH TOP PORTION AND RETURN WITH PAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 Home phone Wo~ phone .4:~=o~nt Number C~d/t Llrm 5490 9980 5101 3598 $12.300. aa Poaflng Tranaec~on Re~ete~ce Card C~t~ga.y TranaeoUon$ Date Date Number Type PURCHASES AND ADdUSTMENTS 18 00781928000015000005~90998051013598 C, aah or C~dlt A~d~able ~ aye* Ck~mnit Daf~ TotaJ Minimum Pa},fnent Du~ Pajewent Due Date $4,480.72 34 01/22/04 [ $15.00 1 02/16/04 dANUARY 2004 STATEMENT Charoea Cmd~U (CFI) 01/20 0t/18 9286 MC 01/20 01/18 3394 MC 01/20 01/19 0226 MC 01/20 01/19 0375 MC 01/21 01/20 0137 MC 01/22 01/20 4122 MC 01/22 01/20 0215 MC 01/22 01/21 4250 MC C KARNS QUALITY FOOD LEMOYNE PA C Bd WHOLESALE #0025 WOX HARRISBURG PA C CAMP HILL DISTRUBOR LEMOYNE PA C LE! LANDS END CLOTHING 8(:;)0-332-4700 WI MA[L/PHONE C CLASSIC DRYCLEANER LEMOYNE PA C dOANN FABRIC #1131 LEMOYNE PA C RITE AID STORE 1074 LEMOYNE PA C BO WHOLESALE #0025 WOX HARRISBURG PA TOTAL FOR BILLING CYCLE FROM 12/20/2003 THROUGH 01/22/2004 30.32 149.58 86.43 t61.43 48.28 30.71 133.86 91.68 $7.846.48 $4,224.21 IMPORTANT NEWS SUMMARY OF TRANSACTIONS TOTAl. MINIMUM P,~'MENT DUE Prevtoul Balance ~;4, Z97.01 (-) Payment~ end Cmdlts 54,224.2] (+) Cash Ad~ances 50.00 [+) Purchases and AdJultm®nt~ 57,046.40 Periodic Flate INAMCE CKMIO~8 50.00 i~-NAN) Tranae~on Fee CE CPLM~$ ~o.oo (=) New BaJance Total $7~819.26 Pa~t Due AmmJnt ................. $ 0.0 0 Curr~lt Payment .................. 5 1 5.0 0 'l'o~t Minimum Payment Due ..................................... $15.00 ~NANOECH,AROE$OHEDULE Calegmy P~odlcR~ Cash Advances A. BALANCE TRANSFERS. CHECKS.o.o00000~ DLY B. ATM. BANK ................. 0.000000% DLY C. PURCHASES ................... 0.041068% DLY i FOR T~S B[LING ~RIO0: I ANNUAL PERCENTAGE RAT~ ................. 8EE ABOVE Correal}ondlng Ammat Pefceat~ge Rate 0.00% O.OO% 14.99% ~..~b~e~ to Finance Charge $0.00 5490 9980 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · For Cuslome~ SalJslaclim and up Io Ihe tubule aulomaled infumatioa m~n ~ balance available credit, payments fa~eived, paymmls d~e, due dale,payme~' edd~ess informs§on, or to roqueet dupr~cale statemenl~, call 1-800-223~704 · FmTDD O'elecommunication Devicelor Ihe Deal) essislu]ee, c~ 1-800-346-3178. · M~I payments to: BANKCARD SERVICES, P.O. BOX 15019, W~LMINGTON. 19886-5019. · g~g rights are presented only by wdllen inquiry. Mail bilmg inqui,es, using 1a'm an the back end o~m bquities Io: BANKCARD '~ERVICF.q. PD RC)× 15d91~. WII MINGTONr 1 gg 50- 5026. 7 51X Y 007 1303 0000 O0 8t01 3598 PAGE 5 OF 5 PLF-J~SE SEE REVERSE SIDE FOR IMPC3FrTAN'r INFC)RMATk'3N ' 54f=~0 9980 5101 3598 $12.300. co PAY M EN;~'AND CREDITS 12/18 1910 MC PURCHASES AND ADJUSTMEI~S 11/20 11/18 3232 MC 11/24 11/22 7139 MC 11/24 11/22 8114 MC 11/24 11/22 0632 MC 11/24 11/23 1034 MC 11/25 11/23 3286 NC 11/25 11/24 0390 MC 11/25 11/24 1310 MC 11/26 11/25 6909 MC 11/26 11/25 3026 MC 11/28 11/25 3308 MC 11/28 11/25 0048 MC 11/28 11/26 0233 MC 11/28 11/26 OBO0 MC 11/28 11/26 8295 MC 11/29 11/28 3926 MC $8'102'99 I 30 DECEMBER 2003 STATEHENT PAYMENT - THANK YOU C RITE AID STORE 1074 LEMOYNE PA C BdS FUEL #9025 WOX HARRISBURG PA C Bd WHOLESALE #0025 WOX HARRISBURG PA C WEIS MARKET #125 CAMP HILL PA C KARNS QUALITY FOOD LEMOYNE PA C RITE AID STORE 1074 LEMOYNE PA C Bd WHOLESALE #0025 WOX HARRISBURG PA C WEIS MARKET #125 CAMP HILL PA C WEIS MARKET #125 CAMP HILL PA C BU WHOLESALE #0025 WOX HARRISBURG PA C RITE AID STORE 1074 LENOYNE PA C RADIO SHACK 00118489 LEHOYNE PA C A & A AUTO PARTS STORE LEMOYNE PA C KARNS QUALITY FOOD LEMOYNE PA C WEIS MARKET #125 CAMP HILL PA C USPS 4134870043 LEMOYNE PA 12/'9/03'I C~.gee~15'O0' t 01/21/04Cred. 16.00 17.34 79.92 70.65 39.10 8 49 51 36 126 16 56 82 84 43 19 50 52 99 9 29 12.50 40.64 8.66 2,568.13 CE IMPORTANT NEWS II I SUMMARY OF TRANSACTIONS $2,568.13 AN IMPORTANT AMENDMENT TO YOUR ACCOUNT TERMS IS ENCLOSED. YOUR CREDIT LINE IS INCREASED TO THE AMOUNT SHOWN ABOVE! USE IT TO TRANSFER OTHER ACCOUNT BALANCES TO THZS ACCOUNT. CALL 1-800-615-3277. CREDIT PROTECT[ON: WHAT TOOK YEARS TO PERFECT TAKES dUST MINUTES TO PROTECT. ENROLL TODAY - CALL 1-800-442-2830. (+) Cash $0.00 (+) Purchases and AdJu s'b~e~lt:~ $4, ~.97.01 (-) Payments and Credlt~ t' $2,568.13 ~NANCECHARGESCHEDULE Caleg(~y P~lcl:3'a'te Cash AQvances A. BALANCE TRANSFERS, CHECKS.O.O00000% DLY B. ATM. BANK ................. 0.000000% DLY C. PURCHASES ................... 0.041068% DLY F~ THIS ~LUNG PER.D: ANNUAL PERCENTAGE RAT~ ............ SEE ABOVE PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION. +) Pedodl¢ Rate tNAN CE CHARnEl $o.oo t-)HANTrensaction Fee CE CHAR(NEE TOTAL MINIMUM P~NT DUE (')TotajNew Balance Past Due Amount ................. $0. O0 I Cun, ent Payment .................. $].5.00 ...................................... $15.0o FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fo~ Customa' SalisladJon lad up to Ihe I/~le automaled inl~malion ~c~dJllg balance, ava~ble cm~t, payments received, payments due, due dale, payroll add~ess infmnalian, ~ Io ~equesI dupr~ee ~alemants, c~ 1 ·Fm TDD (T~:ommunicalion Devi~e I= be Deal) ~, c~ 1-800-346-3178. · Mail payments to: BANKCARD SERVICES, P.O. BOX 15019, WILMINGTON, [ $0. O0 19~86-5019. · Bi/J~g rights we p~e~ewed oo~y by wdtte~ inqt&'y. Mail b~l~g i~quid~, using lmm on ~e back, and o~m inmkies to: BANKCARD SERVICES P.O BOX 15026 WILMINGTON E 6 52C Y 006 1203 0000 O0 5490 9980 5101 :3598 PAGE 1 OF 5 Co~e~pondlng Annual Percentage O. 00% O. O0% 14.99% Balence Subject to Finance Cherg® v'~ayFoin[ tBanK ~.. o~. I,,,111,1,,I,,I,1,,I,,11,,,I,1,11,,,,,,111,1,,,,11,1 BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 F~' account Information cell 1-800-223-7046 Print change c~ address or new telephone number be4ow Address www. lbsnetaccess, com CARDHOLDER SINCE 2001 .;COUNT NUMBER I ' '5101 3598 5490 9980 ,.~¥~NT Z)UE O,~TE ~w e..c~o~ ~otAL t 01/21/04 I [ $4'197'011 TOTAL MIN~ILIM PAYMENT DUE AMOUNT ENCLOSED PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 City S~.ata Z~p ( ) ( ) 18 00z~lgT01000015000005z~90998051013598 Home p~a~e. W~ phone . Po.Ung Tranaa~on R~er~ G~d C~eg~ Tr=~ml Chargea Cred~ (C~ Date Date Num~ Type DECEMBER 2~3 STATE~E~ PURCHASES AND ADOUSTMENTS 11/29 42/0 12/0 12/o 12/o 12/0 12/O 12/O1 12/O1 12/O1 12/O2 12/O2 12/O2 12/O3 12/O5 12/05 12/O5 ~2/05 11/28 5916 MC C HEPFER'5 TRUE VALUE LEMOYNE PA 11/28 2639 MC C HESS 38256 LEMOYNE PA 11/28 2662 MC C HESS 38256 LEMOYNE PA 11/28 3324 MC C STEPHENSON S FLOWE-FTD LEBANON PA 11/28 4610 MC C BO WHOLESALE #0025 WOX HARRISBURG PA 11/28 0424 MC C RADIO SHACK 00118489 LEMOYNE PA 11/29 4156 MC C WEIS MARKET #125 CAMP HILL PA 11/29 6549 MC C CALLEN K[NBACK, INC. LEMOYNE PA 11/30 5690 MC C WEIS MARKET #125 CAMP HILL PA 11/30 9433 MC C HIGHLAND GARDENS CAMP HILL PA 11/30 3352 MC C RITE AID STORE 1074 LEMOYNE PA 12/01 7782 MC C WE[S MARKET #125 CAMP HILL PA 12/01 2838 MC C CALLEN K[NBACK. INC. LEMOYNE PA 12/01 3369 MC C RITE AID STORE 1074 LEMOYNE PA 12/04 5530 MC C HEPFER'5 TRUE VALUE LEMOYNE PA 12/04 4522 MC C HEPFER'S TRUE VALUE LEMOYNE PA 12/04 5779 MC C HEPFER'5 TRUE VALUE LEMOYNE PA 12/04 9881 MC C WEIS MARKET #125 CAMP HILL PA 12.69 19,34 15.97 37.08 46.59 66 76 15.41 607 56 8.47 57 13 16.94 21 36 148.67 39 79 4.00 14 14 34.68 82.97 IMPORTANT NEWS SUMMARY OF TRANSACTIONS Balance $2.568.33 (-) Payments and C~edlta $2,568.33 $0.00 (+) Purchases end AdJusa~ent~ $4, ]*97. Ol FINANCE CHARGE$CHEDULE Caleg~y PedodtcRate Cash Advances A. BALANCE TRANSFERS, CHECK5.o.o00000% DLY B. ATM, BANK ................. 0.000000% DLY C. PURCHASES ................... 0.041068~ DLY FO~ THIS BILLING PERIOD: ANNUAL PERCENTAGE RATE. ................ SEE ABOVE PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION. TOTAL MINIMUM PAYMENT DUE I ~+) Pedodlc Rate : FINANCE CHARQEI~ $0.00 Corresponding Annual Percent~g® Rate O. 00% O. 00% 14.99% Balance Subject to Finance Charge i(~-I)ll)~lANTranaac'don Fee J (=) New Balance CE CHARQE$ Total P&at D~e Amount ................. $o.0o Current Payment .................. $15.00 $0.00 $4,197. Ol Total Minimum Payment Due ...................................... $].5.00 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fa Custome~ SalMSac~on and up Io ~e minule automated int~mal~ including, balance, available ~e~il. payments rec,,ed, payme~tc, due, due dale,pa/meat address inl~'ma§c~, o~ lO requesl duldicale slalements, call 1-8C)0-223-7046. · Fol T D D ('Tetecomrnunicalio,q Device kx th e Deal) assistance, cal~ 1-800-346-3178. · Mail pay~',anl$ Io: BANKCARD SERVICES. P.O. BOX 15019. WILMINGTON. DE $0. O0 19686.5019. Billiag righls ae preserved only by written inGli~y. Mai billing inquiies, using la'm 0a Ihe back and 01he~ ineuiies Io: BANKCARD'SFRVICE~. P 0 BOX 150~6. WILMINGTON DF 1 g850-5026. 6 52C Y 006 1203 0000 O0 5490 9980 5101 3598 PAGE 2 OF 5 ' Wa point Bank % www.lbsnotaccess.com ~,-==~ I,,,lll,l,,I,,I,l,,I,,ll,,,I,l,ll,,,,,,lllsl,,,,ll,I BANKCARD SERVICES P.O, BOX 15019 WILMINGTON, DE 19886-5019 For eccoun~lntoo~atloa ~ 1-800-223-7046 Print change o( eddl'eas m' new tetef:~o~e CARDHOLDER SZNCE 2001 ~bcou~rr ~au~-. 5490 998({ 5101 '3598 PAYMENT DUE DATE NEW BALANCE TOTAL TOTAL MINIMUM PAYMENT DUE A~OUNT £NCLO~ED DETACH TOP PORTION AND RETURN WITH PAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 CRy ~ ZIp { } ( ) 18 00~,19701000015000005~,9099805101~598 Home phone Wa1( phm-,e ~~5101 3598 $12.3oo.oo { S8, 102.e9 30 ~ 12/19/03 $15.~ I 01/21/04 D~ ~ ~ ~y~ DECRIER 2~3 STATEME~ PURCHASES AND AD,JUSTMENTS 12/08 12/05 3781 MC C BUS FUEL #9025 WOX HARRISBURG PA 12/08 12/05 0433 MC C Bd WHOLESALE #0025 WOX HARRISBURG PA 12/08 12/06 8789 MC C Bd WHOLESALE #0025 WOX HARRISBURG PA " 12/11 12/09 1614 MC C CRACKER BARREL #374 HARR[SONBURG PA 12/11 12/10 5714 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV HAlL/PHONE 12/11 12/t0 5722 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MA[L/PHONE 12/11 12/10 5730 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MA[L/PHONE 12/11 12/10 5748 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MA[L/PHONE 12/11 12/10 5755 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MA[L/PHONE 12/11 12/10 5763 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MA[L/PHONE 12/11 12/10 9889 MC C WEIS MARKET #125 CAMP HILL PA 12/11 12/10 5771 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE 12/12 12/11 1690 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MA[L/PHONE 12/12 12/11 1708 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MA[L/PHONE 12/12 12/11 1716 MC C ETH ETHEL M CHOCOLATE5 800-438-4356 NV MA[L/PHONE 12/12 12/11 1880 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE 12/12 12/11 1914 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MA[L/PHONE 12/12 12/11 1724 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MA[L/PHONE 17 38 114 21 109 92 19 24 21 70 21 70 21 70 37 15 37 15 37 15 77 67 147 44 21 70 21 70 21 70 21 70 21 ?0 37 15 IMPORTANT NEWS SUMMARY Of; TRANSACTIONS TOTAL MINIMUM PAYMENT DUE Pr~louu BaJemce $2,568.13 (-) Payments un, Credits $2,568.13 Conespondlng E~alance .a~l nu al Subject to Pefoer~ge Rat~ Finance Charge Purchases and ] (+) Pedodlc Rate AdJu~ents FI~CE CIt~I~IQES [+) Transaction Fee [ FUll, NCR CHARQ~B (') ~'c~Balance Past D~e Amount ................. $ O. O0 197.0l :~0. O0 $0.00 (+) Cash Ao'vl~cel $O .00 ~NANCE CHARGE$CHEDULE Caleg~ PedodlcRate Cash Advances A. BALANCE TRANSFERS, CHECKS.O.O000~ DLY B. ATM, BANK ................. 0.000000% DLY C, PURCHASES ................... 0.041068% DLY I FOR THIS BILUNQ PERIOD: ANNUAL PERCENTAQE RATE. .... - .......... SEE ABOVE PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION $0.00 0.00% O.OO% 14.99% ~rmot Payment .................. $15. O0 $4,197. O1 Total Minimum Payment Due ..................................... $15.00 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · F~x Cuslome~ Sa~a[ac~ md up lo I~e mule automaled ~i~m~ indu~n~ ~, ~ ~t, ~m~ts r~, p~mm~ ~e. ~e ~.paym~! ~ bf~, ~ ~ r~u~l dupli~te s~, ~ 1-~-223-704 F~ TDD ¢~mu~ D~im la ~e ~ ~slm~, ~ ! -~-346-3178. · M~mmts to: BANKCA~ SER~CES, PO. BOX 1~19, WILMI~TON, · ~ rights ~e ~ ~ by ~lm ~. ~ ~llmg ~i~, using Am~ he ba~ ~d ~ h~u~i~ ~: NKCA~'SE~ICE~ P.O_ BOX 1~26 WI~INGTON 6 52C Y 006 1203 0000 O0 5490 9980 5101 3598 PAGE 3 OF 5 Wdypoint Bank BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 F~ ~c=~t l~m~o~ ~l 1-800-223-7046 Pd~t ohange M edCbele ~r new telephone numbs' below Addreas City State Z~p ( ) ( ) www.ibsnetaccess.com CARDHOLDER SZNCE 2001 --~COU~ NUMB~ 5490 9980 5101 3598 PAYMENT DUE DATE NEW BALANCE TOTAL 01/2t/04 I I $4,197.01 J TOT~. MtNIMUM PAYMENT DUE AMOUNT ENCLOSED DETACH TOP PORTION AND RETURN WITH PAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 Home phone Work phone A~=oun~ Number C~dlt Lir~ 5490 9980 5101 3598 Posting Tranaa~lon Reference [ Gar,'~ I C~tegoty I Date Dat~ NumbM Type PURCHASES AND ADUUSTMENTS 18 00419701000015000005490998051013598 $12,300.00 I $8, 102.99 30 12/12 12/11 1732 MC 12/12 12/11 1740 MC 12/12 12/11 1757 MC 12/12 12/11 1765 MC 12/12 12/11 1773 MC 12/12 12/11 1781 MC 12/12 12/11 1799 MC 12/12 12/11 1807 MC 12/12 12/11 1815 MC 12/12 12/11 1823 MC 12/12 12/11 1831 MC 12/12 12/11 1849 MC 12/12 12/11 1856 MC 12/12 12/11 1864 MC 12/12 12/11 1872 MC 12/12 12/11 1898 MC 12/12 12/11 1906 MC 12/12 12/11 1922 MC DECEMBER 2003 STATEMENT 12/19/03 MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE NAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAlL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL U CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV To~l Minimum Pej~we~t ~ue Plyrne~ Due Date Charge~ Credlt.~ 37.15 37.15 37.t5 37.15 37.15 37.15 37.15 37.15 37.15 37.15 37.15 37.15 37. t5 37.15 37.15 37.15 37.15 37.15 IMPORTANT NEWS III I SUMMARY OF TRANSACTION8 Prevlou*~ BM~Ge $2,568.13 Payment~ and C~'acl~ $2,568.]3 (+) Ca~ Advances $0.00 Purchases and ] (+) Pedodlc Rate AdlualmanTM FINANCE CHARQES $4,197.01 $0.00 FINANCECHARGE$CHEDULE Cal~ Ped~lcRMe Cash Advances A. BALANCE TRANSFERS, CHECKS.o.o00000% DLY B. ATM, BANK ................. 0.000000% DLY C. PURCHASES ................... 0.041068% DLY Con'espondlng Percentage Rate O. 00% O. 00% 14 FOR THIS BILLING PERIOD: ANNUAL PERCENTAGE RATE. ............... SEE ABOVE CE CHARGES (=) ~'o~'~atE(ajince $0. O0 $4,197. O1 TOTAL MINIMUM PA)fMENT DUE Peet Due ~mount ................. $ 0.00 Dun'~nt Payment .................. $15.00 To~l Minimum Payment Due ...................................... $15.00 Finance Charge FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fei' Caslomer Sa6efacfi~,~ and up Io the minule automated inl=ma~Jen including. balance, ava]able (=edit, payments fecaved, payments due. due dule,payme~l address i~fc~mal~e, e[ lo request dupAcete slaleme~ts, ca] 1-800-223-7046 · F<x TDD (Telecommunicalioa Devioe fo~ Um Deal) assistance, ~ 1-800-346-3178. · Mail payments I= BANKCARD SERVICES, P.O. BOX ~5019, WILMINGTON. DE $0- O0 19886-5019. · Bil~ng rights are pres~ved oaly by ~ilim inqu~. Mall bi~ng aq~tiries, using k~m o~ the bac~ and other inquldes BANKCARD 'SERVICES. PD BOX 150'26. WILMINGTON: DF 1 g850-5026. 6 52C Y 00(5 1203 0000 O0 5490 9980 5101 3598 PAGE 4 OF PLEASE SEE REVERSE SIDE FOR IMPORTANT INFOI:IMATIC)N , Waypoint Bank ~,,,-,~-, I,,,111,1,,I,,I,1,,I,,11,,,I,1,11,,,,,,111,1,,,,11,1 BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 FBI account Informello~ call 1-800-223-7046 Print change of aclclresa or new talepho{le number below Addreaa City State ( ) ( ])LATIN U M. plus. www. ibsnetaccess.com CARDHOLDER SINCE 2001 ,~,..'COUN~ NUME~ER 5490 9980 5101 3598 PAYMENT DUE DATE NEW BALANCE TO T~. 01/21/04I[ $4,197.01 TOT,~i.. M/N/MUM PAYM, EN"I'~JE ,~tOUNT ENCLOSED DETACH TOP PORTION AND RETURN WITH PAYMENT PAUL A MILLER CD TRUST DPT 235 N 2ND ST PO BOX 1711 HARRIS3URG PA 17105-171111 Home phone Wo[k phone Aooount ,%~mber Cmd/t 5490 9980 5101 3598 Post~ng Tranaa~on Reference Card Category Date Date Numbs' Type 18 00419701000015000005490998051013598 PURCHASES AND ADUUSTMENTS 12/12 12/11 12/12 12/11 t2/12 12/11 12/12 12/11 12/12 12/11 12/15 12/13 12/15 12/13 12/15 12/14 12/16 12/14 12/16 12/15 12/16 12/15 12/17 12/15 12/17 12/15 12/18 12/17 12/18 12/17 12/19 12/17 12/19 12/18 12/19/03 $12,300.00 t $8,102.99I 30 Transacflona DECEMBER 2003 STATEMENT Total Minimum Payment Due Payment Due D~e $15.00 ] 01/21/04 Chargea Crad~t~ (CR) 37.15 37.15 37.15 41.03 60.53 17.27 42.02 128.46 1t.64 22.00 57 14 16 46 25 25 42 38 94 23 75 O0 29 99 $4,197 01 1930 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAlL/PHONE 1948 MC C ETH ETHEL N CHOCOLATES 800-438-4356 NV MAIL/PHONE t955 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE 3178 MC C KARNS QUALITY FOOD LEMOYNE PA 1015 MC C Bd WHOLESALE #0025 WOX HARRISBURG PA 3155 MC C BdS FUEL #9025 WOX HARRISBURG PA 5571 MC C WEIS MARKET #125 CAMP HILL PA 3657 MC C KARN5 QUALITY FOOD LEMOYNE PA 3497 MC C RITE AID STORE 1074 LEMOYNE PA 2194 MC C KARNS QUALITY FOOD LEMOYNE PA 3549 MC C KARNS QUALITY FOOD LEMOYNE PA 0375 MC C HESS 38256 LEMOYNE PA 0201 MC C HESS 38256 LEMOYNE PA 6330 MC C KARN$ QUALITY FOOD LEMOYNE PA 0051 MC C LUFF LAWN AND GARDEN CAMP HILL PA 2326 MC C UNIV PA/WPXN PHILADELPHIA PA 5569 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MAIL/PHONE TOTAL FOR BZLLING CYCLE FROM 11/20/2003 THROUGH 12/19/2003 $2.568.13 CR IMPORTANT NEWS SUMMARY OF TRANSACTIONS Prevlo~s Balance $2,568.13 Payments (+) Cash and Credlta Advances $2,568.13 $0.00 FINANCECHARGE$CHEDULE CN~a`y P~odJcRate Cash Advances A. BALANCE TRANSFERS. CHECKS.o.o00000% DLY B. ATM, BANK ................. 0.000000% DLY C. PURCHASES ................... 0.041068% DLY (+) Purchaaes and AdJuslnlent~ 4{+) Pe~odJc Rate I FINANCE CHARQE$ (+) Tranla~on Fee I IFl-CE c-~] I ~4'397'011 $0'00I $0'00I ~e~dlng Peri--ge ~e FIn~ o. ~ o. 00~ 14.99~ $0. oo FOR THI~, BILLING PERIOd: ANNUAL PERCENTAGE RATE. ............ ~EE ABOVE PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATIC~N 5490 9980 5101 3598 TOTAl. MINIMUM PAYMENT DUE $4,19'/.01 Current Payment ................. $15.00 II T ~tal Minimum Payment Due ...................................... FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fa' Cuslome~ SalJsfaclion md up to the minute aulomaled into~malJon including. b~a~ce, ava]able credit, payments received, payments due. due dale.payrnml address infa'malJ0~, a' Io request dulsJicale sfaleraaals, call 1-800-223-7046 · Fa' TOD ~T~nl~nic~iion D,wice fa' the Deal) ess~slmce, c.~ 1-800-346-3178. · Ma~l payments to: BANKCARD SERVICES, P.O. 80X 15019, WILMINGTON, D[ 19686-5019. · Billing rich me presa*v~l only by ',~'iltes inquky. Mail billbg inqukies, using la'm (x~ the back. and othm' inQ4~fies to: BANKCARD SERVICI~S_ P.O_ BOX 15026 WILMINGTON DE 198.~0-5028. ' ' ' 6 52C Y 006 1203 0000 O0 PAGE 5 OF 5 Waypoiot Bank h,,lll.l,,h.l,l,,h,ll,,,I,l,ll,,,.,llhh.,ll,I BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 Fo~ ~c~oum Information Call 1-800-223-7046 Print che43ge e~ address o~' ~ t~iephone, number below Address www.ibsnetaccess.com CARDHOLDER SINCE 2001 J_~UNT NUMgER I ' 5101 3598 9980 PAYMENT DUE DATE NEW BALANCE TOTAL 12/18/0311 $2,568.13 ~'OTAL MINIMUM PAYMENT DUE ~40UNT ENCLOSED DETACH TOP PORTION AND RETURN WITH PAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 City S~te Zip ( ) ( ) 18 00256813000015000005z~9099805101~598 Home phone Work phone I $~1,700. O0 I $9,131 .87 '[ 29 't 11/19/O3 S15 .~ 12/18/O3 ~90 998O 5101 35~ Posang ,Transa~ R~e~ence Card C~egow Tr~s ~gel ~edl~ (C~ Dale I Date Numb~ Type N0VE~BER 2~3 STATE~E~ PAYMENTS AND CREDITS tl/17 6551 MC PURCHASES AND ADUUSTMENTS PAYMENT - THANK YOU 10/24 10/22 2963 MC C RITE AID STORE 1074 LEMOYNE PA 10/27 10/25 7986 MC C BUS FUEL #9025 WOX HARRISBURG PA 10/27 10/25 4554 MC C WEIS MARKET #125 CAMP HILL PA 10/27 10/25 7038 MC C BO WHOLESALE #0025 WOX HARRISBURG PA 10/29 10/27 5164 MC C HESS 38256 LEMOYNE PA 10/29 10/28 1719 MC C WEIS MARKET #125 CAMP HILL PA 11/01 10/30 6679 MC C HESS 38256 LEMOYNE PA 11/01 10/30 3045 MC C RITE AID STORE 1074 LEMOYNE PA 11/03 10/31 3051 MC C RITE AID STORE 1074 LEMOYNE PA 11/03 11/01 3068 MC C RITE AID STORE 1074 LEMOYNE PA 11/03 11/02 7745 MC C WEIS MARKET #125 CAMP HILL PA 11/05 11/03 0058 MC C LEMOYNE SLEEPER CO INC LEMOYNE PA 11/05 11/03 IIX)42 MC C LEMOYNE SLEEPER CO INC LEMOYNE PA 11/05 11/04 5768 MC C BO WHOLESALE #0025 WOX HARRISBURG PA 11/06 11/05 0065 MC C BRONSTEIN & UEFFRIES HARRISBURG PA 11/07 11/06 3918 MC C Bd WHOLESALE #0025 WOX HARRISBURG PA 10.48 17.75 109.63 185.60 29.09 22.20 18.09 26.35 36.00 20.43 108.52 47.70 183.95 197.52 15.OO 19,45 1.915.73 CR IMPORTANT NEWS CREDIT PROTECTION: WHAT TOOK YEARS TO PERFECT TAKES dUST MINUTES TO PROTECT. ENROLL TODAY - CALL 1-800-442-2830. MAKE YOUR LIFE EASIER. USE YOUR IBS CREDIT CARD TO PAY YOUR MONTHLY SERVICE PROVIDERS. VISIT WWW.IBSDIRECTPAY.COM. ACCESSING ADDITIONAL CASH IS EASYI PRESENT YOUR CREDIT CARD AT THE BANK COUNTER. OR CALL 1-800-771-3575 TO REQUEST A PIN CODE FOR USE AT AN ATM. SUMMARY OF TRANSACTIONS $1,915.73 (-) Payment~ m~d C~edlt~ ~1,915.73 (+) Cash Advancee $0.00 (+) Purchases and ~u:Jju atrnents $2,568.13 FINANCECHARGESCHEDULE C~ PedodlcRate Cash AOvance$ A. BALANCE TRANSFERS, CHECKS,o.o00000% DLY B. ATM, BANK ................. 0.000000% DLY C. PURCHASES ................... 0.041068% DLY I FOR THI~ BILLING PERIOD: ] ANNUAL PERCENTAGE RATF_ .................. SEE ABOVE PLF_.A~E GEE REVERSE SIDE FOR IMPORTANT INFORMATION. l+l~eriodlc Rate NCE CHARQE8 $0.0o Annual Percentage o. 00% o. 00% 14.99% BlJerlCe S~Ject to Finance Dba'ge TOTAL MINIMUM PAYMENT DUE CHARGES Total Past Due Amount ................. II Current Payment .................. $].5.00 $0.00 $2,568. '13 I I Tatal Minimum Payment II ~ ....................................... $].s.oo FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fa~ Cuslome~ SatJsfac~ md up to Ihe minute automaled infmmalim mclucrmg. balatco, ava~a~o c~e~[, payn~eels rec. eived, paymatts due, due dale payroll a~d~e~s inlantaUon, o~ Io reque~l dul:J.;,c, alo stateme~ls, ca~ 1-800-223-7046 Fa TDD (letecornmunicalim Device f~ Ihe Deal) assistance, cae 1-800-346-3178. · Mail payme~t~ 10: BANKr3ARD SERVICES, P.O. BOX 15019, WILMING ION, D[ $0.00 19a~.50~9. · Baling rights a'e preserved (rely by v~iltea inquky. Mai billing iaqu~ies, usiag fc~m m I~e back. and 0lhe~ inauiies BANI(CARD SERVICFR. P t147 59Q Y 18'7 1203 0000 O0 5490 9980 5101 3598 PAGE 1 OF 3 · WaypOint Bank % ,.,. c~.,I,,,111,1,,I,,I,1,,I,,11,,,I,1,11,,,,,,111,1,,,,!1,1 BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 F~' account Infoemation cell 1-800-223-7046 Pltnt change DJ' &dcireas or {law telephone number belo~ pLATINb~ pLUS' www. ibsnetaccess.com CARDHOLDER SINCE 2001 ,*dcou~"r ~UMaE~ 5490 9980 5101 ~598 PAYMENT DUE DATE NEW B,II_ANCE TOTal. DETACH TOP PORTION AND RETURN WITH PAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 City State Z~p ( ) ( ) 18 0025681~0000150000054,g0998051013598 Home phone Wo~ phm'la Aca:x~nt ~ ~ ~ ~h ~ C~ A~Ila~ ~lh~ O~ C~i~ ~ T~l Minl~m ~ ~ ~ ~ ~ ~9099~5101 3598 $11,700.00 ~ $9,13t.87 29 11/19/03 [ $15.00 I 12/18/03 Posting Tr~aa~ ~ce ~ Catego~ T~ ~arges ~ {~ D~e D~ Nu~r Ty~ NOVEMBER 2~3 STATEMENT PURCHASES AND ADdUSTMENT$ 11/o7 I 1/08 11/10 11/lO 11/lO 11/lO 11/ 1 11/ 1 11/ 1 11/ 2 11/ 2 11/ 3 11/ 4 11/ 4 11/15 11/15 11/15 11/17 11/06 4902 MC C GIANT FOOD STORE #2 NEW CUMBERLANPA 11/06 3111 MC C RITE AID STORE 1074 LEMOYNE PA 11/07 1071 MC C CAMP HILL ANIMAL HOSPI CAHPHILL PA 11/08 5970 MC C WEIS MARKET #125 CAHP HILL PA 11/08 7350 MC C BU WHOLESALE #0025 WOX HARRISBURG PA 11/09 1050 MC C BU WHOLESALE ~0025 WOX HARRISBURG PA 11/09 5294 MC C BUS FUEL #9025 WOX HARRISBURG PA 11/10 5702 MC C HEPFER'S TRUE VALUE LEMDYNE PA 11/10 9090 MC C WEIS MARKET #125 CAMP HILL PA 11/10 CX)58 MC C PA NEUROLOGICAL ASSO LEMDYNE PA 11/11 1338 MC C WEIS MARKET #125 CAMP HILL PA 11/11 6443 MC C BUS FUEL #9025 WOX HARRISBURG PA 11/t2 1802 MC C MAZZITTI AND SULLIVAN HARRISBURG PA 11/13 4196 MC C WEIS MARKET #125 CAMP HILL PA 11/14 r4429 MC C CALLEN KINBACK, [NC. LEMOYNE PA 11/14 4473 MC C CALLEN KINBACK. INC. LEMOYNE PA 11/14 4585 MC C CALLEN K[NBACK. INC. LEMOYNE PA 11/15 5283 MC C HEPFER'S TRUE VALUE LEMOYNE PA 58.55 i1.01 60.30 74.30 80.09 147.23 18.55 11.63 17.70 10.00 20.85 13 47 125 O0 21 23 148 67 148 67 216 25 13 46 IMPORTANT NEWS PAY YOUR BILL QUICKLY WITH PAY-BY-PHONE SERVICE. CALL 1-866-297-9258 TO USE THIS AUTOMATED SERVICE, PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. SUMMARY OF TRANSACTIONS TOTAL MINIMUM PAYMENT DUE Previous Balance ~1,915.73 (-) Paymanta and Credlt~ ~1,915.73 (+) Ceah Advancal ~0.00 (+) Purchases and AdJusb'nent~ ~2,568.13 )Periodic Rate NANCE CHAR~ES $0.00 :NA,N) Tranaac'ao~ Fee CE CHARGES $o.oo (.} New Balance Total $2,568.13 Past Due Amount ................. $0. O0 Current Payment .................. $15.0 0 T~.al Minimum Payment Due ...................................... $15.00 ~NANCECHARGESCHEDULE CaI~ P~odlcFl~t~ Cash Advances A. BALANCE TRANSFERS, CHECKS.o,o00000% DLY B. ATU, BANK ................. 0,000000% DLY C. PURCHASES ................... 0.041068% DLY FOR ~lS ~NG P~IOD: ANNUAL PERCENTAGE FL~TE._~ SEEABOVE PI_FARF RFP RFVFRRF RII3F F(31::I IMPt"3Iql'AN'r INFt')RMATIC)N C. ono~.~ndlng Annual Percentage Rate o. 00% o. 00% 14.99% 8u~le~t to Flnar~e Charge $0.00 5490 9980 5101 3598 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY ·Fcx Custome~ Sa~sladk~ a~d up to the nlif~ule aulomaled inl(xrnalic~ ~dmg bal~, av~ ~l, paym~ ~ ~ ~e, ~e ~le,p~m~t ~ms infatuate, a to r~u~l dupable slal~, ~ 1-8~-223-7046 · F~ TDD (T~mmuni~lim Dw~ la ~e Dea~ ass~l~, ~ 1 -~0-~ 178 · ~ ~ls to: BANKCARD SERVICES. PO. BOX 1~19, WILUt~TON, ~ 1~.~19. · B~g r~ ~e pr~av~ ~ by ~itlm ~Wiy. Mai billing mqum~, usi,g f~m m ~e back, and o~a in~ki~ Io: ~CARD SERVICE~ P.O. BOX 15026. WI~INGTON DE 19850-5026 1147 59Q Y 187 1203 0000 O0 PAGE 2 OF 3 o~oP°su"~ ~D~o i~mbe~ lTv~ NOVE#BE~ 2003 STATEMENT PURCHA:~rll~ AND ADUUSTMENTS 11/17 ~1/15 5064 MC C PA 11/18 11/16 5097 MC C PA 11/18 11/16 3218 MC C PA 11/18 11/16 3218 MC C PA 11/18 11/17 3965 MC C PA 11/18 11/17 7883 MC C PA 11/19 11/18 7766 MC C PA TOTAL FOR BILLING CYCLE FRO~ 10/22/2003 THROUGH 11/19/2003 $15.00 12/18/o3 WEIS MARKET #t25 CAMP HILL HESS 38256 LEMOYNE RITE AID STORE 1074 LEMOYNE RITE AID STORE 1074 LEMOYNE GIANT FOOD STORE #2 ENOLA Bd WHOLESALE #0025 WOX HARRISBURG WEIS MARKET #125 CAMP HILL 54.29 17.94 25.16 56.00 12.17 143.46 14.39 $2,568.13 $1,915.73 CR DEC 0 1 200.3 i IMPORTANT NEWS SUMMARY OF TRANSACTIONS II II Previous Balance ~1,915.73 (-) payme~t~ t ~1,915.73 (+) Ca*h Advances $0.00 I(~-) Purchases and AdJuMmant~ ~;2,566.~3 ?Pedodlc Rate I~A~CE CHARGES $o.oo I+) Trarmecflo~ Fee FINANCE CI'IARG~$ ~;0.00 TOTAL MINIMUM PAYMENT DUE Total Past Due Amount ................. ~ o. o o CUITI~ Paymenl: .................. $ ]. 5.0 0 .~2 ~ 568 · 13 Total Minimum Payment D~e ...................................... $15.00 ~NANCECHARGESCHEDULE Caleg(xy PeMoalcR~e Cash Advances A. BALANCE TRANSFERS· CHECKS.o.o00000% DLY B. ATM, BANK ................. 0.000000% DLY C. PURCHASES ................... 0.0410G8% DLY F~ TH~ ~O P~IOD: ANNUAL PERCENTAGE RAT~ ................ SEE ABOVE PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION. Gonesp~dlng Annu~ P~cen~ge Rate 0.00% 0.00% 14.99% Balmnca Subject to Finance Charge $0. O0 5490 9980 5101 3598 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fa' Custmma' S~sfad~n and up Io Ihe minute automaled infatuation inducli~g, baJance, availab~ c~e~l, pa/meals received, payments due, due dale,.~_aymeet address ~f(xmalien, o~ Io request dupr*caie staleme~fls, c~ 1-800-22~3:7046 · Fa. I'DD (l'e~ec~munica~ Device f~ Ihe Deal) assist~ce, ca~ 1-800-346-3178 · ~ail paymenls to: BANKCARD SERVICES, P.O. BOX 15019, WILMINGTON, DE 198~6-5019. · Bil~tg rlghl$ are preserved only by ~itlefl inquiry Mail billing ~qui~ies, using fas on Ihe back and o~ha ineJkies Io: BANKCARD '~I:RVICI=S~ P_O_ RO× 15026. WI LMI NGTON. DE 19850- 5026. 1147 590 Y 187 1203 0000 O0 PAGE 3 OF 3 _ .54~0 9980 5101 3598 I $11,7oo. co Po~flng Transacl~on ~terertca Ca~'d C~g~ Tranll~l PAY~E~S ~D CREDITS 10/10 3969 MC PAYMENT - THANK YOU PUR~ASES ~D ADdUST~E~S 09/22 09/19 2633 MC 09/29 03/27 2855 MC 10/01 09/29 2730 MC 10/07 10/05 3520 MC 10/07 10/06 4071 MC 10/08 10/06 5105 MC 10/08 10/07 1993 MC 10/08 10/07 8804 MC 10/09 t0/07 9366 MC 10/09 10/07 3308 MC 10/09 10/07 2813 MC 10/10 10/09 5551 MC 10/11 10/09 5897 MC 10/11 10/10 7327 MC 10/13 10/12 1930 MC 10/14 10/13 6010 MC $9.784.27 31 OCTOBER 2003 STATEMENT 10/21/0;~ C RITE AID STORE t074 LEMOYNE 'PA C THE ORVIS COMPANY INC 800-635-7635 VA C RITE AID STORE 1074 LEMOYNE PA C DRUGSTORE COM 800-378-4786 WA C BU WHOLESALE #0025 WOX HARRISBURG PA C dOANN FABRIC #1131 LEMOYNE PA C KARNS QUAL[TY FOOD LEMOYNE PA C THE HEALTHY GROCER CAMP HILL ~A C HESS 38256 LEMOYNE PA C TAMDOT HOMECARE LEMOYNE PA C RITE AID STORE 1074 LEMOYNE PA C Bd WHOLESALE #0025 WOX HARRISBURG PA C BdS FUEL #9025 WOX HARRISBURG PA C WEIS MARKET #125 CAMP HZLL PA C AMAZON.COM PAYMENTS 800-201-7575 WA C KARNS OUAL]TY FOOD LEMOYNE PA 67.37 98.00 104.79 89.84 65.68 211.93 28.12 61.76 20.03 56.00 104.61 31.11 13.70 42.03 13.47 68.78 534.44 CF IMPORTANT NEWS ENOOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER. DON'T WORRY ABOUT ECONOMIC UNCERTAINTIESI HELP PROTECT YOUR ACCOUNT. ENROLL IN OPTIONAL CREDIT PROTECTION! CALL 1-800-840-9518 TODAYI PAY YOUR BILL QUICKLY WITH PAY-BY-PHONE SERVICE. CALL 1-866-297-9258 TO USE THIS AUTOMATED SERVICE. PAYMENT POSTS THE SAME OR NEXT BUSINESS DAY. II I SUMMARY OF TRANSACTIONS TOT,N. MINIMUM PAYMENT DUE Pr~181Jlnct (-) Payments (+) Cash ind Credlt.a Advanc®l $534.44 I $534.44 ~0.00 FINANCE CHARGE ~CHEDULE Caleg(~/ Periodic Rate Casl3 Aclvances A. BALANCE TRANSFERS, CHECKS 0.000000% DLY B. ATM, BANK ................. O.O00000%DLY C. PURCHASES ................... 0.041068% DLY' I(+) Purd~m~, mhd Adlul~ne~l $1.915.73 FOR TH~ B/LUNG ANNUAL PERCENTAGE RATE. ................ SEE ABOVE +) Periodic Flute FINANCE CHARGES PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION, $0.00 Co~reapo~dlng Annual Percentage O. 00% O. 00% 14.99% Subject to Finance Charge .NAN ) Trln~cti~n Fa {=) N. ~.. m I CE C~ T~ Pa~ Due ~ount ................. ~0. OO ;' ~Eent P~ .................. 60.00 $1,915.73 T~ ~ P~m~t ~e ...................................... ~15.00 FOR YOUR $A~FACTION, EVERY HOUR, ~RY DAY b~, ~ ~1, ~ls r~. p~ls due, due ~/e,~l · F~ TDD ~n~ ~ f~ ~e ~ assistant, ~ 1-~3178. · M~ p~b Io: ~NK~ SERVICES. P.O. ~X 1~19. WlLMI~TON, [ $0. O0 ~-~19 f~m ~ ~e back ~d o~e inQu~ t~ BANKCARD '~RVICES. P.D BOX 15~ WIIMI~TON ~ 1 4664 590 Y 556 1304 0000 O0 5490 9980 5101 3598 PAGE 1 OF 2 ,Wa. y o!nt Bank ,-~ h,JII,h,h,hh,l,,Ih,,I,hlh,,,,,llhh,,,Ihl BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 For account Info~a~ion cml 1-800-223-7046 ~ change ct eddlrell or new tMephone number b~low State www.ibsnetaccess,com CARDHOLDER SINCE 2001 5490 9980 5101 ~598 PAYMENT DUE DATE NEW B~..)/VCE TOTAL [ 11/18/03[ $1.915.73 TOT)L MINIMUM PAYMENT DUE AMOUNT ENCLOSED DETACH TOP PORTION AND RETURN WD'H PAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 · Home phone Wo~ phone ~a~x~unt Nurn~ Cmd/r L/~e 5490 9980 5101 3598 I $11,7oo. OD Posting Tranlactlon P4/e~enceCard Category Transactions Date Date Number Type PURCHASES AND ADJUSTMENTS 10/15 10/14 9659 MC C 10/15 10/14 1271 MC C 10/16 10/15 7388 MC C 10/17 10/16 2410 MC C 10/18 10/17 1817 MC C 10/20 10/17 9689 MC C 10/20 10/17 97G3 MC C 10/20 10/18 5659 MC C 18 00191573000015000005#90998051013598 THE GUN PARTS CORP 914-G79-2417 NY MAIL/PHONE WEIS MARKET ~125 CAMP HILL PA WEIS MARKET #125 CAMP HILL PA EMPIRE VISION #078 CAMPHILL PA THE EYE GLASS SHOP HARRISBURG PA BO WHOLESALE #0025 WOX HARRISBURG PA CVS #1622 LEMOYNE PA THE HOME DEPOT 4120 MECHANICSBURGPA TOTAL FOR BILLING CYCLE FROM 09/21/2003 THROUGH 10/21/2003 12.95 31.25 23,61 211.00 254.00 23.14 182.99 99.57 $1.915.73 $534.44 CR IMPORTANT NEWS MAKE YOUR LIFE EASIER. USE YOUR IBS CREDIT CARD TO mAY YOUR MONTHLY SERVICE PROVIDERS. VISIT WWW.IBSDIRECTPAY.COM. II SUMMARY OF TRANSACTIONS PrevlO~l BI}l~ca $534.44 (-) Payment. and Credl~ ~534.44 (+) Cash Advancea $0.00 (+) Purchases a~d Adjustments $1,93.5.73 F +) Pe~odlc Rate (+) Tranaec~on Fee INANCE CH~8 FINANCE CHAR(lES $0.00 . $0.00 ~NANCECHAR~E$CH£DULE C.,aleg~y Pe~odlcRam Cash AOvances A, BALANCE TRANSFERS, CHECKS.o.o00000% DLY B. ATM, BANK ................. 0.000000% DLY C. PURCHASES ................... 0.041068% DLY Co~l'espondlng Balance Annual Subject t~ PeroMltage Rate Finance Charge 0.0O% 0.00% 14.99% I FOR TH~ ~LLINQ PERIOD: ANNUAL PERCENTAGE RAT~ SEE ABOVE PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORM. ATION. $0.00 5490 9980 TOTAL MINIMUM PAYMENT DUE (-) N~ Balance Total P&~ Due Amount ................. $ 0. O0 I I Cu~ent Payment ................. $15.0 0 $1,915.73 I TMllMInlmumPayment l Due ...................................... $15.O0 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · For Cu$1(xn~ Satisfa<~oa mid ~ lo Ihe m~ute automated mto~matio(~ indad,lg b~ance, avalablo ctedil, paymeeI~ leceived, payme~ls due. due date paymtml address ial~mati~, m Io reqaal · Fa TDD ('[elecomrmJnicabon Devicet(~ ~e Deaf) assistance, ca~ 1-800-346-3178 · IVla~ payments Io: 8ANKCARD SERVICES. P.O. 19886-5019. Biaing righls me presee/ed rely by wiitea inquiy. Mail bi~ing inquiries, using Iwm en Ihe bac~ aud o~e~ in~kies lo: 8ANKCARD '~ERVICFS. P.O. BOX 15026. Wll MINGTON D~ 4664 590 Y 55G 1304 OOOO OD 5101 3598 PAGE 2 OF 2 4 0998OSlO13S98 I ,,1.,00.00 I ,10.020.38 o8/=1/o3. · Posting ITransactJon ~R~ence Card ~eg~ Tr~l~Onl ~ Date N~ber Ty~ ~GUST 2003 5TATENE~ 08/05 9702 MC PURCHASE~ AND A[:kJUSTMENTS PAYMENT - THANK YOU I ~15.0q 09/19/03 ~ergea ~edita (CFI) 07/25 07/24 6970 MC C MICHAEL'S #2754 CAMP HZLL PA 52.88 07/26 07/24 0860 MC C LINENS N THINGS #281 CAMP HILL PA 245.20 08/11 08/09 2229 MC C R]TE AID STORE 1074 LEMOYNE PA 195.34 08/11 08/10 4421 MC C WEIS MARKET #125 CAMP HILL PA 206.54 08/12 08/10 6004 MC C ASHLEY FURNITURE HOME HARRZSBURG PA 115.54 08/16 08/14 5546 MC C BARNES & NOBLE #2046 HARRZSBURG PA 67.31 08/18 08/15 2280 MC C RITE AZD STORE 1074 LEMOYNE PA 76.86 08/21 08/20 2311 MC C HD[ CONNECTIONS 888-824-3609 PA MA[L/PHONE 119.95 TOTAL FOR BZLLING CYCLE FROM 0?/23/2003 THROUGH 08/21/2003 $1,079.62 1,422.12 CR $1,422.12 CR IMPORTANT NEWS ENdOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER-- OR CONTACT US AT WWW.IBSCASH.COM OR 1-888-515-3309. DON'T WORRY ABOUT ECONOMIC UNCERTAINTIESI HELP PROTECT YOUR ACCOUNT. ENROLL IN OPTIONAL CREDIT PROTECTIONI CALL 1-800-840-9518 TODAYI ACCESSING ADDITIONAL CASH IS EASYI PRESENT YOUR CREDIT CARD AT THE BANK COUNTER, OR CALL 1-800-771-3575 TO REQUEST A PIN CODE FOR USE AT AN ATM. SUMM,aRY OF TR~d~I~ACTION,.q PTevl~Je Balaulc, e f (-) Pay~ent~ and C~ed~a $3,422.12 $1,422.12 FIN~CE CH~E $CHEDULE Cat~y Cash Advances (+) Cash Advancee $0.00 (+)Pur~a~aand $1,079.62 Pedodl¢ Flat1 )Pe~odlcR~e MANCE CHAR~EB $o.oo Corresponding Annual Percentage Rate A. BALANCE TRANSFERS, CHECKS.o.o00000% DLY 0.00% B. ATM, BANK ................. 0.000000% DLY 0.00% PURCHASES ................... 0.041068% DLY i4.99% TOTAL MINIMUM PAYMENT DUE FOR THIS BILLING PERIOD: ANNUAL PERCENTAGE RATE. ................ SEE ABOVE (+) Transaction Fee FINANCE CHARGE" $0.00 (-) New Balance Tctll $1,079.62 Pe~t Due Amount ................. $0. O0 Current Payment .................. $15.00 Total Minimum Payment Due ...................................... $15.00 PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION. Subject to Finance Chm'ge $0.00 5490 9980 5101 3598 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fa' Cuntome~ SatJsfadioa aad up to bSe minute automated inta'mahon including, balance, available c~edil, payn~als received, payrneals due, due date.pa~menl address info, malice, m lo request duplicale ste~emenls, ¢~ 1-800-223-7046 · F~ IDB {Telecommunicat~°n Device tc~ ~he Dea~) 'arS*stance. cat 1-800-346-3178. · Mail paynmnts lo: BANKCARD SERVICES. P.O. BOX 15019, WILMINGTON, DE 19~86-5019. · Billing rights ~e pmsee,,'ed anly by written inqu~ Mai billing inquiries, using la'm m Ihe back, and elba in(~uiries to: BANKCARD SFRVICF~. PO BOX 1,502~. WILMINGTON. DE 19850-5026. 3323 57N Y 3NR 1203 OOOO OO PAGE I OF 1 5490 9980 5101 3598 I $1o,ooo.oo P~Ur:~' tTrar,,~ Referen~ Card Cltegor/ Tr~aa~ons PAYNENTS~ID CREDI?S 01/07 3086 MC PURCHASES AND ADJUSTMENTS 12/21 12/20 0435 ~C C 12/23 12/21 3550 MC C 12/24 12/22 2040 MC C 12/26 12/23 3588 MC C 01/02 12/31 5017 MC C 01/09 01/08 7969 MC C 01/10 01/08 0099 MC C 01/21 01/18 0196 MC C TOTAL FOR BILLING $9,295.63 33 01/22/03' JANUARY 2003 STATEMENT $,15.00, Charges o2/t 8/03 C~ (CR) PAYMENT - THANK YOU CAMP HILL DINER CAMP HILL PA STEPHENSON S FLO~E-FTD LEBANON PA HECHT CO. MENS S~EAT CAMP HILL PA RITE AID STORE 1074 LEMOYNE PA CAPITAL CITY MALL CAMP HILL PA d UENKINS SONS CO INC BALTIMORE MD RITE AID STORE 1074 LEMOYNE PA RITE AID STORE 1074 LEMOYNE PA CYCLE FROM 12/21/2002 THROUGH 01/22/2003 24.12 22.25 64.98 109.02 240.00 130.00 81.67 32.33 $704.37 2,601.21 CE $2,B01.21CR JAN 2 2003 IMPORTANT NEWS ENdOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER-- OR CONTACT US AT ~W.IBSCASH.CO~ OR 1-888-515-3309. THE CREDIT YOU EARNED...THE PROTECTION YOU DESERVE. CONTACT US AT 1-866-509-3878 TO ENROLL IN THE OPTIONAL CREDIT PROTECTION PLAN TODAY. SAVE TIMEI BILL YOUR MONTHLY SERVICE PROVIDERS DIRECTLY TO YOUR lBS CREDIT CARD. SUMMARY OF TRANSACTIONS Balance $2,60i.21 (-) Payments and Credits f $2,60]o21 (+) Camh $0o00 I(+) Purchaae~ and AdJ u ~mlell~ $704.37 ~NANCECHARGE$CHEDULE Cal~ PedodlcR~e Cash Advances A. BALANCE TRANSFERS, CHECKS.o.010136% DLY B. AT~, BANK ................. 0.041068% DLY C. PURCHASES ................... 0.041068% DLY I FOR 7'HIS BILLING PERIOD: ANNUAL PERCENTAGE RATE. .............. SEE ABOVE PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION. TOTAL MINIMUM PAYMENT DUE )Patio(Sic Rate #AHCE CI-IARQE~ $0.00 _~HAN) TransactJa~ Fee I Past Due Amount ................. ~o.0o Current Payment .................. $15.00 Total Minimum Payment Due ...................................... $~5.00 Co~eaponding Annual Percentage Ra~e 3.70% 14.99% 14,99% Subject to Finance Charge $0.00 $o.0o $o.00 5490 9980 5101 3598 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fo~ Cuslorne~ SaUslaclJan and up to ~e mi~ule aulomaled i~lormatim including, b~dance, ~il~ble c~e~l, paymenls received, paymmts due, due dale. Paymen! address info~naUaa, or Io request duplicate stalerneals, eaJI 1-800-223-7046. · For TDD {Telecommunication Device fa' Ihe Deaf) ass~.,tance, aa 1-800-346-3178. · Ma1 payma3ts Io: BANKCARD SERVICES, P.O. BOX 15019, WILMINGTON, DE 19886-5019. · Billing righ[s me Fesaved only by witton Inquiry. Mait bitr~g ~quii'iee, usiag form m Ihe back and other inquiries Io: BAblKCARD '~ERVICES. P 0 BOX 15026 Wll MINGTON. DF 19850-5026. 5891 537 Y 6dC 1312 0200 O0 PAGE 1 OF I . 5';'90 9980 5101 3598 $1o.ooo.oo P-~t:lng 'Transaction I Refeceace Card Category Transactions PAYME NTS~I~AND CREDITS 12/0C 2706 MC PURCHASES AND ADJUSTMENTS 11/22 11/20 3255 MC 11/29 11/27 4384 MC 12/O2 11/29 0396 MC 12/O2 11/30 1134 MC 12/O3 11/30 7408 MC 12/O~ 12/O2 6548 MC 12/14 12/13 6539 MC 12/16 12/13 3483 ~C 12/17 12/16 8817 MC 12/17 12/16 8825 MC 12/17 12/16 8833 MC 12/17 12/16 8841 MC 12/17 12/16 8858 MC 12/17 12/16 8874 MC 12/17 12/16 · 8882 MC 12/17 12/16 8890 MC $7,398.79 30 DECEMBER 2002 STATEMENT PAYMENT - THANK YOU MECHANICSBURGPA PA PA 12/20/O2 C RITE AID STORE 2000 C WINE & SPIRITS 2102 LEMOYNE C BO WHOLESALE #0025 WOX HARRISBURG C HEPFER'S TRUE VALUE LEMOYNE C PARTY N MORE LEMOYNE C WEIS MARKET #125 CAMP HILL C LEI LANDS END CLOTHING 800-332-4700 C RITE AID STORE 1074 LEMOYNE C ETH ETHEL M CHOCOLATES 800-438-4356 C ETH ETHEL H CHOCOLATES 800-438-4356 C ETH ETHEL M CHOCOLATES 800-438-4356 C ETH ETHEL M CHOCOLATES 800-438-4356 C ETH ETHEL H CHOCOLATES 800-438-4356 C ETH ETHEL M CHOCOLATES 800-438-435G C ETH ETHEL M CHOCOLATE5 800-438-4356 C ETH ETHEL M CHOCOLATES 800-438-4356 ,$15.Q0 01/21/03 Chmg®a C.~,ed h (CR) 70.09 30.72 499.86 PA 118.66 PA 67.58 PA 42.27 WZ MAIL/PHONE 425.45 PA 54.92 NV MA[L/PHONE 17.79 NV MAIL/PHONE 17.79 NV MAIL/PHONE 17.79 NV MAIL/PHONE 17,58 NV MAIL/PHONE 17.79 NV MAIL/PHONE 17.79 NV MAIL/PHONE 17.79 NV MAIL/PHONE 17.79 256.84 IMPORTANT NEWS ENJOY THE CONVENIENCE AND FLEXIBILITY THE ENCLOSED CHECKS OFFER-- OR CONTACT US AT WWW.IBSCASH.COM OR 1-888-515-3309. YOUR CREDIT LINE IS INCREASED TO THE AMOUNT SHOWN ABOVEt USE ]T TO TRANSFER OTHER ACCOUNT BALANCES TO THIS ACCOUNT. CALL 1-8OO-615-3277. SAVE TIMEI BILL YOUR MONTHLY SERVICE PROVIDERS DIRECTLY TO YOUR IBS CREDIT CARD. SUMMARY OF TRANSACTIONS TOTAL MINIMUM PAYMENT DUE Previous Balance $256 .Bi Payments and Credlt~ Adjusbaent~FINANCE CHARGES FINANCE CHARGES Tot~ Pa~t Due Amount ................. $0. OO $2.601.21 I ~,0.00 $0.00 C,~e ,pon ding Balance Annual Subject to Percentage Rate Finance Charge $256.84 (+) Ca,h Advances $0.00 ~NANCECHARGESCHEDULE Cat~ Ped~ioRate Cash Advances A. BALANCE TRANSFERS, CHECKS.o.010136% DLY B. ATM, BANK ................. 0.041068% DLY C. PURCHASES ................... 0.041068% DLY FOR THIS BA.LI~G PERIOD: ANNUAL PERCENTAGE RAT; .................. SEE ABOVE PLEASE SEE REVERSE SIDE FOR IMPORTANT INFORMATION. 3.70% $0.00 14.99% $O.OO 14.99% $0.00 Cu~ent Payment .................. $15. O0 $2~601.21 To~al Minimum Payment Due ...................................... $15.00 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · F~ Cusl~me~ Salisiaclk3n ~d up to ~e ~ute mlomat~ ~lama~ b~g b~n~, ~ ~it, paym~ls r~v~. p~ts due, ~e dale.paym~t a~s ~f~, ~ Io r~u~t dupli~lo s~t~ts, ~ 1-800-223-704 · F~ 1DB ~ni~b~ D~i~ f~ ~e ~Q ~sktmm, ~ 1~3178. . M~ pay~a I~ ~K~ SERVICES. P.O. BOX 1~19, WILMINGTON, 1~19. t~m ~ ~e back, ~d ~e in~i~i~ Io: BANKCA~D SERVICES. P.O_ BO~ 15026 ~INGTON. I g~50-50~6. 770 535 Y OTN 0912 0200 O0 5490 9980 5101 3598 PAGE 1 OF 3 ' laYpOint Bank % ~LATINUM pLUS' www. ibsnetaccess.com ,~,=, h,,llhl,,h,hh,l,,Ih,,I,l,ll,,,,,,lll,l,,,,ll'l BANKCARD SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 Fa &ooount Infom~alloa carl 1-800--223-7046 Print ~e o{ addteu 0¢ new te~/aoae number be4ow CARDHOLDER SZNCE 2001 5490 9980 5101 3598 pAYMENT DUE DATE NEW BALANCE TOTAL TOTAL MINIMUM pAY1~ENT DUE AMOUNT ENCLOSED DETACH TOP PC~TION A'90 RETURN WITH pAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 say sm. zp O02601ZlOOOO15000005ttg0998051013598 ( ) ( ) 18 Home phone Wo~ phone ~m~ C~U~ ~c~ ~tt,~~ ....... $1~ O1/21/03 ~~ J~Jc.eg~ [Trains DECE~ER 2002 STATEME~ ~UR~ASES ~D ~UUSTME~S t7 79 12/17 12/1& 8932 MC C ETH ETHEL N CHOCOLATES 8~-4~8-43~6 NV MA[L/PHONE · 12/17 12/16 8940 MC C ETH ETHEL ~ CHOCOLATES 8~-438-4356 NV MA[L/PHONE 17.79 12/17 12/1G 8957 MC C ETH ETHEL M C~COLATES 8~-438-4356 NV HA[L/PHONE 17.79 12/17 12/16 9013 MC C ETH ETHEL M CHOCOLATES 800-438-4356 NV MA[L/PHONE 17.79 12/17 ~2/1~ 9039 MC C ETH ETHEL M CHOCOLATES B~-438-43S6 NV MA[L/PHONE 17.79 t2/17 12/16 9047 MC C ETH ETHEL M CHOCOLATES 8~-438-4356 NV MA~L/PHONE 17.79 12/17 12/1& 9096 MC C ETH ETHEL M CHOCOLATES 8~-438-435& NV MA[L/PHONE 17.79 12/17 12/16 9120 MC C ETH ETHEL M CHOCOLATES 8~-438-4356 NV HA[L/PHONE 17.79 12/17 12/16 9138 MC C ETH ETHEL M CHOCOLATES 8~-438-435& NV MA[L/PHONE 17.79 12/17 12/16 8866 MC C ETH ETHEL M CHOCOLATES 8~-438-4356 NV ~A[L/PHONE 29.05 12/17 12/1& 8908 MC C ETH ETHEL M CHOCOLATES 8~-438-435G NV MAZL/PHONE 29.05 12/17 12/16 8916 MC C ETH ETHEL M CHOCOLATES 8~-438-4356 NV NAIL/PHONE 29.05 12/17 t2/16 ~924 MC C ETH ETHEL M CHOCOLATES 8~-438-4356 NV MA[L/PHONE 29.05 12/17 12/16 B965 ~C C ETH ETHEL M CHOCOLATES 8~-438-4356 NV HA[L/PHONE 29.05 t2/17 12/16 8973 MC C ETH ETHEL ~ CHOCOLATES 8~-438-4356 NV ~A[L/PHONE 29.05 12/17 12/16 8981 MC C ETH ETHEL M CHOCOLATES 8~-~38-4356 NV NAIL/PHONE 29.05 t2/17 12/16 8999 ~C C ETH ETHEL M CHOCOLATES 800-438-4356 NV HA[L/PHONE 29.05 12/17 12/16 9~5 ~C C ETH ETHEL M CHOCOLATES 8~-438-4356 NV ~A~L/PHONE 29.05 IMPORTANT NEWS WWW.IBSNETACCESS-COM - AT YOUR SERVICE. SUMMARY OF TRANSACTIONS (-) Payments aa~d C~edits $256.84 $256.84 (+) Oamh TOTAL MINIMUM p,NfMENT DUE [(+)p..~.o. endt(+)P..o~c~, h+)~,en..~.o. Fo. I (.) .. B.,enc. 11 ................. $o.oo J AdJus'ewen~ Tc:f~l Cuneat Payment .................. $15.0 0 / $2'601'21 / '0'00I $0'00/ Due ...................................... $0.00 ~NANCECHAROE$CHEDULE PedodlcRMe Caegay Cash Advances A. BALANCE TRANSFERS, CHECKS.O.O10136% DLY B. ATM, BANK ................. 0.041068% DLY C. PURCHASES ................... 0.041068% DLY SEEABOVE FOR TH~ BII,.I, JNO PERIO0: ANNUAL PERCENTAGE RATE. ................. C4~lng Balance Annual Subject to Percentage mate Finance Charge 3.7o% $o. O0 14.99% $0.00 14.99% $0.00 5101 3598 $2,601.21 T~al Minimum Payment $15.00 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY · Fol' Gaslom~ Sa~slacJan and Up I0 Ibe mi~.ut, m _lo~a~t~_inl~'em~o' ~d, Um~e~g~ k.~ ~1~"~ rse~l i~,,meills receive~, payme~ -F~ TDD ~n~ Dw~la ae ~ 1-800-~178 ·M~ ~ym~ts Io: B~KCA~ SERVICES, P.O. 1~19. I~m ~ the back ~d o~a B~KCARB'SERVI~E~ p ~ ROX 159~6~1MI~TO~ ~ ~R~26. ' ' 770 535 Y OTN 0912 0200 O0 PAGE 2 OF 3 ayp. olnt Ban pLATINUM pLUS"' www. ibsnetaccess.com ~.~ o/-.:~ JlllJJJjJllJllJlJllJllJJlllJlJlJJl.,i,JJJ,JllllJJlJ B.~aNKCAR D SERVICES P.O. BOX 15019 WILMINGTON, DE 19886-5019 Fa account Infow~aflon call 1-800-223-7046 Print change of address or new telephone number below CARDHOLDER SINCE 2001 Po~ng Date 5490 9980 ~5101 ~598 PAYMENT DUE DATE NEW B,aLANCE TOT*U.. TOTAL MINIMUM PAYMENT DUE ~MOUNT ENCLOSED DETACH TOP PORTION ,e~lD RETURN WrI'H PAYMENT PAUL A MILLER CO TRUST DPT 235 N 2ND ST PO BOX 1711 HARRISBURG PA 17105-171111 00260121000015000005490998051013598 Address City State 2~p ( ) ( ) 18 · Home phone Woi~. phone ~90 9980 5101 3598 J $10,OOO.~ J $7.398.79 J 30 Transa~ ReferenceCsrd ~eg~ D~e Nu~er ~pe DECEHBER 2002 STATEMENT 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV 800-438-4356 NV LEMOYNE PA LEMOYNE PA 800-438-4356 NV PURCHASES AND ADUUSTMENTS C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL N CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C ETH ETHEL M CHOCOLATES C PARTY N MORE C RITE AID STORE 1074 C ETH ETHEL M CHOCOLATES 12/20/O2 12/17 12/16 9021 MC 12/17 12/16 9054 NC 12/17 12/16 9062 NC 12/17 12/16 9070 MC 12/17 12/16 9088 MC 12/17 12/16 9104 MC 12/17 12/16 9112 NC 12/17 12/16 9146 MC 12/18 12/16 2004 MC 12/19 12/17 3527 NC 12/19 12/18 2533 MC 12/20 12/19 9012 MC C ETH ETHEL M CHOCOLATES TOTAL FOR BILLING CYCLE FROM 11/21/2002 MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE MAIL/PHONE 800-438-4356 NV MAIL/PHONE THROUGH 12/20/2OO2 $15.00 I 01/21/03 Charges Ctedtt~ (CR) 29 29 29 221 69 78 126 $2,601 29 .O5 29 .O5 29,05 29 ,O5 29 .O5 ,O5 .O5 .O5 .75 .31 · 25 .28 .21 $25~.84 CR IMPORTANT NEWS SUMM,dRY OF TRANSACTIONS Previou· B,,tanoe $256.84 (-) Payment~ and Credits $256.84 (+) Cash Advances $0.00 (+} Purchases and AdJustnlenta $2,601.23 ~NANCECHARGESCHEDULE ~1~ PartodicRm~ Cash Advances A. BALANCE TRANSFERS, CHECKS.O.010136% DLY B, ATM, BANK ................. 0.041068% DL¥ C. PURCHASES ................... 0.041068% DLY J FOR THI~ BILLIIV{3 PERIOD: J ANNUAL PERCENTAGE RATE,__ SEE ABOVE PI..F_A~I~ ~1=[~ I~I='VI=R~F Rtl'31:: FC)I:I IMP~'31:ITAI~T IIdF(')I~k, IATION. (+) Periodic Rate FIN.U~CE CHARGES $o.oo (+) Transaction Fee J FINANCE C*~,~EsJ $o.oo j (=) New Balance To~l $2,601.21 II TOTAL MINIMUM PAYMENT DUE IlPast Due Amount ................. $0. 00 J Current Payment ..................$15,00 I Total Minimum Payment j Due ...................................... $15.00 C~-~espondlng Annual Percentage Rate 3.70% 14.99% 14.99% Subject to Finance Charge $O.OO $O.OO $O.O0 FOR YOUR SATISFACTION, EVERY HOUR, EVERY DAY * Fa C~slomer Saislacbon and up Io Ihe minule aelomaled i~lclmalJo~ iadudi~§ baJance, av~eb~e c[edil, paym~b received, paymaals due. due dale, address inlo~malJ~, ~ to request dupi~ca~e slalemeats, cai 1 · F(~ TDD (Telecommunicati~e Device tu the Deal) assistance, cd 1-800-346-3178. · Mai payments Io: BANKCARD SERVICES, PO BOX 15019, WILMINGTON, D[ 19886-5019. · Billag rights ale preserved eely by ~itlee inquiry. Mai bi~g inq~kies, using Io~m m lihe back. a~d other ~t~uiries to: BANK~A~iD 'SERVICES. P.O. BOX 15026; WH MINGTON 1§850-5026 770 533 Y OTN 0912 0200 CO 5490 9980 5101 3598 PAGE 3 OF 3 EXHIBIT C 22:12' WAYPOIN'~ INVESTMENT GROUP-HBG ID~717 Lawrence F. Hinnenkamp Attorney at Law C©P¥ 145 East Chestnut Street P.O. Box 1515 Lancaster, PA 17608-1515 Phone 717-394-8221 Facsimile 71%394-8111 lawrenee.h innenkamp~verizon.net February 11, 2004 Joseph A. Miller, Agent 307 Walnut Street Lemoyne, PA 17043 FEB ! 2 RE: Credit Card Usage Dear Mr. Mille~: Just to summarize our conversation today: 1. You will review thc credit card statements for December 2003 to February 2004 and will identify, by item, which items benefitted your father, Paul, and which items benefitted you or your family. In the case of a split benefit you will break out the benetir, s. For the items which benefitted Paul you will provide a brief explanation of the benefit to Paal. Those items which benefitted you will be reduced from your next quarterly reimbursement. a. Although we did not discuss this, I think that it is only reasonable to ask that you also identify and disclose any past credit card charges that benefitted you or your family. 2. In the future you w~ll provide a brief explanation of how each line item on the credit card benefits Paul. 3. In the future you will not use Paul's credit card for your personal expenses. 4. In the future you will copy me on the periodic statements that you submit to Waypoint Bank. I think that covers our discussion of today; however, please.contact me if you have questions or require additional information. Thank you for your attention to this matter. Best regards, i°urawrSen~~ nn.~ ' enkamp cc:~reg Leo EXHIBIT D H[g.TH ...in pursuit of good health Telephone No.: Fax No.: 717-783-3 790 717-772-3641 December 23, 2003 Dr. Joseph Miller 307 Walnut Street Lemoyne, PA 17043 Dear Dr. Miller: Thank you for your telephone call to the Department of Health on December 12, 2003, regarding your concern for care and services provided to residents at Bethany Village Retirement Center. Your concerns were investigated during an unannounced visit made to the facility on December 17, 2003. A surveyorwas able to discuss the details of the investigation with you by telephone on December 17, 2003. Our investigation determined that the facility failed to implement interventions outlined on your father's care plan on both November 29 and December 5, 2003. This failure resulted in your father's involvement in two resident to resident altercations, neither of which yielded any injury to either resident involved. The incident on November 29, 2003, occurred at 4:00 p.m., at the nurses station, a known "hectic, noisy" area, according to staff. Your father's care plan indicated that he should not be in areas that are over-stimulating, as it is a causative factor in escalating his agitation. Furthermore, the staff was not aware of your father's whereabouts and therefore, was unable to implement any other interventions in accordance with his care plan. The incident on December 5, 2003, took place at 3:00 p.m. An incident report indicates that your father wandered into another resident's room and placed his hand on her leg. Again, there were no injuries to either party involved. Interviews with staff revealed that those who were assigned to your father on that day were not aware of his whereabouts and therefore failed to implement interventions on his care plan, such as, redirecting him if wandering into other resident's rooms. As you are aware, subsequent to the December 5, 2003, incident, the facility held a care plan meeting to discuss your father's behavior. The facility determined that your father required 1:1 supervision and requested you to arrange for and finance the cost of that supervision. The administrator stated that your father's admission agreement stated that the facility did not provide 1:1 supervision; however after reviewing your father's admission agreement, that was not found. Harrisburg Field Office · 132 Kline Plaza, Suite B · Harrisburg, PA 17104 ~c ~8 03 0~:45p p.2 The findings of the investigation were discussed with the facility and they will receive a report relative to these findings. The facility must submit a plan of correction for the identified problems. A copy of the report wilt be forwarded to you once it can be disclosed to the public. Please be assured that we will continue to monitor the care and services being rendered to the residents of Bethany Village Retirement Center. If you have any questions or concerns, do not hesitate to contact me. Sincerely, a A. Chamberlain, Supervisor Harrisburg Field Office Division of Nursing Care Facilities Harrisburg Field Office 132 Kline Plaza, Suite B Harrisburg, PA 17104 Pennsylvania Department of Health BETHANY VILLAGE RETIREMENT CENTER Patient Care Inspection Results I Note: If you need to change the font size, click the "View" menu at the top of the page, place the mouse over the "Text Size" menu item, and select the desired font size. Severity Designations BETHANY VILLAGE RETIREMENT CENTER - Inspection Results Initial comments: Minimal Citation - No Minimal Harm Actual Harm Serious Harm Harm BETHANY VILLAGE RETIREMENT CENTER Inspection Results For:112/17/2003 ~ ~ There are 22 surveys for this facility. Please select a date to view the survey results. Scope of Citation Number of Residents Affected By Deficient Practice Plan of Correction: No plan of correction is required Based on a Complaint nvestigation completed on December 17, 2003, it was determined that Bethany Village Retirement Center, was not in compliance with the following requirements of 42 CFR Part 483, Subpart B, Requirements for Long Term Care Facilities and the 28 PA Code, Commonwealth of Pennsylvania Long Term Care Licensure Regulations. 483.20~k}~3)(ii) REOUIREMENT RESIDENT The services provided or arranged by the facility must be provided by qualified persons in accordance with each resident's written plan of care. Observations: Based on review of clinical records and interviews with staff, it was determined that the facility failed to provide the necessary care and supervision in accordance with the written plan of care for one of two residents (R1). Findings include: Plan of Correction - To be completed: 2/15/2004 The facility submits this Plan of Correction for the purposes of regulatory compliance. This Plan of Correction should not be construed as either a waiver of the Facility's right to appeal and challenge the accuracy or severity of the alleged deficiencies or an admission of past or ongoing violations of State and Federal requirements. Review of the Minimum Data Set quarterly assessment dated October 27, 2003, revealed that Resident R1 was severely cognitively impaired, required extensive assistance of one person for transfers and ambulation and had a history of wandering and falls. The resident's diagnoses included supranuclear palsy (chronic degenerative disease of the central nervous system resulting in the temporary or permanent loss of ability to move or to control movement), Parkinson's disease and dementia with psychotic features. The Interdisciplinary Care Plan Team will review and revise, where appropriate, the comprehensive care plan addressing Resident #1's need for supervision with measurable goals and interventions relating to care and services and safety. All staff will be re-educated on Resident #1's plan of care by the Director of Nursing/designee. The Interdisciplinary Care Plan Team will review the care plans of all residents who have a history of wandering and/or behavioral issues to ensure The resident's care plan, dated February 27, 2003, and most recently updated December 13, 2003, revealed that the resident had a history of wandering, falls and agitation that resul!ed in physical altercations with others. Interventions on the care plan to address the resident's wandering included: maintaining a calm environment; avoid over-stimulation (e.g. noise, crowding); when wandering, provide comfort measures for basic needs (e.g. pain, hunger, toileting); when resident wanders, calmly approach the resident from the front. If the resident wanders, looking for his/her family, tell resident his/her family knows of his/her whereabouts. Staff were to develop a pathway for resident to follow and were to keep the pathway free of obstacles. Interventions to address the resident's falls included: ensuring that the resident wore his/her eyeglasses; attempt to redirect when wandering into other resident's rooms and when restless, offer food, drink and ambulate to bathroom. Interventions to address the resident's propensity towards physical altercations included identifying early warning signs of restlessness and impulsive behavior and respond by meeting physical needs (e.g. walk, toilet, snack). The facility's incident reports revealed that Resident R1 was involved in three resident to resident altercations on November 5, November 29 and December 5, 2003. The incident report dated November 5, 2003, at 1:50 p.m., revealed that Resident Rl's pathway was not clear. The resident bumped into another resident's wheelchair, which escalated Resident Rl's agitation, resulting in Resident R1 slapping Resident R2. The incident report dated November 29, 2003, at 4:00 p.m., revealed that Resident R1 was seated in a wheelchair at the nurses' station. Licensed Practical Nurse 1 witnessed Resident R1 "grab" Resident R3's right upper arm. Interview with Licensed Practical Nurse 1 on December 17, 2003, at 12:00 p.m., revealed that many residents were seated around the nurses' station, and it was noisy. The nurse stated that she was not aware of the interventions on the resident's care plan (avoid over stimulation, identifying early signs of agitation) and, therefore, failed to ensure that Resident R1 was not in the over stimulating environment. The nurse stated that she was unable to observe for or identify any early warning signs of agitation in order to respond because she was unaware of the resident's whereabouts until she approached the nurses' station and discovered the altercation. Interview with Nurse Aide 2 on December 17, 2003, at 11:45 a.m., revealed that the nurses' station is a very crowded location and is very noisy, especially at the change of shifts. care plans are appropriate &nd that interventions are realistic. All staff will be updated daily on revised care plans through shift to shift reports. The facility will review and revise, as appropriate, all policies and procedures regarding care planning, placing emphasis on individualized needs, realistic goals and the communication process of implementation of the interventions. The facility will continue to update Focus Round Sheets (resident data updates) that will be utilized by the nursing staff to relay information regarding specific care and services given by staff. The sheets will be readily available to nursing staff to be utilized as a reference tool by all caregivers. All staff will be re-educated on any revised policies and procedures regarding the care planning process. The DON/designee and Social Service Director/designee will review five (5) clinical records weekly for 4 weeks and then monthly for three (3) months to ensure care plans include appropriate measurable goals and individualized interventions. The DON/designee and Social Service Director/designee will perform direct observation on the identified five (5) clinical records to ensure care plan measures are being performed. The Quality Assurance Committee will review the findings of the audits of the clinical records monthly to ensure compliance and will make recommendations when appropriate. Interview with Nurse Aide 1 on December 17, 2003, at 1:10 p.m., revealed that she was responsible for Resident R1 on November 29, 2003, for the 3:00 p.m.-11:00 p.m., shift. She stated that she was not aware of the altercation between Residents R1 and R3 until "some time later in the shift". Nurse Aide 1 stated that she was providing care to other residents at the time of the incident and was not aware of Resident Rl's whereabouts. She stated that she was not aware of the interventions on the resident's care plan, with the exception to ambulate if restless. Nurse Aide 1 further stated that the nurses' station is "very hectic" and that there are "way too many people there". She said it's a badly congested area. She stated that she was aware that Resident R1 gets agitated when he/she is at the nurses' desk, however; it was hard to watch him/her, as he/she wanders all over the place. An incident report dated December 5, 2003, at 3:00 p.m., revealed that Resident R1 wandered down Rust Hall (Resident R1 resides in Blue Hall) and entered Resident R4's room and touched Resident R4 on the left leg. The report indicated that Resident R1 did not have his/her glasses on at the time. Nurses notes dated December 5, 2003, revealed that Resident R1 was entering other resident's room frequently that afternoon. Interview with Nurse Aide 1 on December 17, 2003, at 1:10 pm., revealed that she was not informed of the resident's wandering into other residents' rooms during report. She stated she was providing care to other residents and was not aware of Resident Rl's whereabouts at 3:00 p.m. She stated that she did not redirect the resident out of the other resident's room or provide for comfort measures while he/she was wandering, as directed by the care plan, because she did not know where the resident was. Interview with Licensed Practical Nurse 1 on December 17, 2003, at 12:00 p.m., revealed that she was administering medications and was not aware of Resident Rl's whereabouts at 3:00 p.m., nor was she aware of the interventions on the resident's care plan. Interview with the Administrator on December 17, 2003, at 8:45 a.m., revealed no explanation regarding staff's ignorance of the resident's whereabouts or lack of familiarity with the resident's care plan, but rather focused on the fact that in order for the resident's care plan to be fully implemented, the resident would require 1:1 supervision (one staff person assigned to one resident). The Administrator stated that the facility reassessed the resident's needs after the December 5, 2003, incident and determined on December 12, 2003, (per a physician's progress note) that Resident R1 required 1:1 supervision. The Administrator stated that the facility P~ Diagnosis by 'Bethany Vilxage 12.17.03 Findings include: Clinical record review revealed that Resident R7 had diagnoses which included Parkinson's disease and dementia. The resident's Minimum Data Set quarterly assessment dated March 4, 2003, indicated that the resident had long andshort term memory loss and required total assistance for ambulation and extensive assistance for transfers. Nurses notes revealed that that Resident R1 experienced 21 falls from March 1, 2003 through May 29, 2003. Review of the fall reduction committee minutes dated May 8, 2003, revealed that the resident was to be evaluated by physical therapy for the use of a Broda Chair (specialized chair for position residents). Interview with Physical Therapist 1 on May 30, 2003 at 3:15 p.m., revealed that, although the documentation of the evaluation for the use of the Broda Chair had not been completed, it had been conducted two weeks prior (May 16, 2003). The use of chair was deemed successful, and it was recommended by the therapist. The therapist stated that it takes two weeks from the time that the order is placed until the time the chair arrives, the order had not submitted for the chair. The therapists stated that she had not ordered the chair because she was busy. Review of nurse's notes indicated that the resident had two falls subsequent to the evaluation, one on May 17 and one on May 29, 2003. PAM Diagnosis 10/03 by Bethany Village Findings include: Review of the Minimum Data Set c~arterl¥ assessment dated October 27, 2003, revealed that Resident Ri was severely co~nitively imDaired, rec~ired extensive assistance of one person for transfers and ambulation and had a history of wanderin~ and falls. The resident's diac~oses included supranuclear palsy (chronic degenerative disease of the central nervous system resultinq in the temporary or permanent loss of ability to move or to control movement), Parkinson's disease and dementia with psychotic features. Since 02/03 The resident's care plan, dated February 27, 2003, and most recently updated December 13, 2003, revealed that the resident had a history of wandering, falls and agitation that resulted in physical altercations with others. Interventions on the care plan to address the resident's wandering included: maintaining a calm environment; avoid over-stimulation (e.g. noise, crowding); when wandering, provide comfort measures for basic needs (e.g. pain, hunger, toileting); when resident wanders, calmly approach the resident from the front. If the resident wanders, looking for his/her family, tell resident his/her family knows of his/her whereabouts. Staff were to develop a pathway for resident to follow and were to keep the pathway free of obstacles. Interventions to address the resident's falls included: ensuring that the resident wore his/her eyeglasses; attempt to redirect when wandering into other resident's rooms and when restless, offer food, drink and ambulate to bathroom. Interventions to address the resident's propensity towards physical altercations included identifying early warning signs of restlessness and impulsive behavior and respond by meeting physical needs (e.g. walk, toilet, snack). 6.03 Findings include: Clinical record review revealed that Resident R7 had dia.c~noses which included Parkinson's disease and dementia. The resident's Minimum Data Set ~uarterly assessment dated March 4, 2003, indicated that the resident had long and short term memory loss and required total assistance for ambulation and extensive assistance for transfers. Nurses notes revealed that that Resident RI experienced 21 falls from March 1, 2003 through May 29, 2003. Review of the fall reduction committee minutes dated May 8, 2003, revealed that the resident was to be evaluated by physical therapy for the use of a Broda Chair (specialized chair for position residents). 10.18.01 Observations: Clinical record review revealed that since admission to the facility on September 18, 2001, Resident 1 attempted to exit the building, unsupervised, multiple times. Accordin~ to the Minimum Data Set initial assessment dated September 26, 2001, Resident 1 had impaired decision making abilities and wandered daily throughout the facility. An intervention to prevent the resident from exiting the building was use of a wander~uard bracelet which activated an alarm on ~oors'of the nursing unitb to alert staff that a resident wa~ ~it~ng the building. Review '.. of nurses notes and and an incident report revealed that on October 3,,2001, whine a~aiting to be returned, to the nursing unit, after an activity, Resident 1 was left unsupervised in a section of the facility that does not have doors that would activate the Wanderguard bracelet.'Interview with Nurse Aide 1 on October 18, 2001, revealed that on October 3, 2001, at 3:25 PM, as she was exiting the facility parking lot in her car, she noticed Resident 1 walking unsupervised, on the sidewalk approximately 20 feet from the facility. 28 Pa Code: 211.12 (D)(1)(3)(5) Nursing services. Repeat deficiency 5/17/01 6.29.01 Observations: Based on interviews with staff and review of clinical record, it was determined that the facility failed to provide adequate supervision to prevent one resident (Resident 1) from eloping from the facility. Findings include: Clinical record review revealed that Resident 1 was at risk for wandering and had exit-seeking behavior as evidenced by the care plan intervention dated June 28, 2001, to redirect the resident away from exits as needed. Review of the clinical record and an interview with Registered Nurse 1 on June 29, 2001, revealed that on June 10, 2001 at 6:30 PM, Resident 1 left the building through the front door and proceeded towards the parking lot, approximately 50-60 feet from the facility. Further review of the resident' s record revealed that no interventions were put into place to prevent the resident from eloping in the future. continuing deficiency 5/17/01 repeat deficiency 6/9/00 Observations: Based on interviews with staff and review of clinical record, it was determined that the facility failed to notify the Department of Health of an elopement for one resident (Resident 1) Findings include: Review of the clinical record and interview with Registered Nurse 1 on June 29, 2001, revealed that Resident 1 eloped from the building on June 10, 2001, at 6:30 PM. The resident exited the main entrance from the facility and proceeded approximately 50-60 feet, to the parking lot. Interview with the Director of Nursing on June 29, 2001, revealed that the facility failed to notify the Department of Health. EXHIBIT E Marcia M. Lentz 1818 Silver Pine Circle Mechanicsburg, PA 17050 732-5939 PERSONAL - Bom 7/10/1944, oldest child to Paul A. and Esther K Miller (deceased, 9/3/2002) - Married for 36 years to David Lentz. Proud parent of two successful boys Matt, 30 and Ben, 26. Matt works for Fidelity Investments in Boston, Mass. Ben works for Jones, Lang and LaSalle in Baltimore, MD. Both of their jobs are in the financial and investment services industry and call for the utmost fidelity. Both boys enjoyed a close relationship to my parents. For example, they stayed with Grandma and Grandpa for a week each summer. - Spotless credit history. We own our home and have no outstanding credit - never even had a finance charge. - Proven character model and stable work history. Have no arrests - not even a traffic ticket. FAMILY HISTORY RECORD - Attended to numerous needs end demands from parents involving family involvement and unselfish actions. - Have led a principal centered life. No incidents that ever created embarrassment for Mom and Dad nor questioned their trust in me, - Never had one situation that required my parents to use their resources to bail me out. - Recent documented history of visiting/comforting with my father weekly and strking against some adversity to monitor his medical, personal and financial care. FORMAL EDUCATION Lebanon Valley College, BA English (First woman from parents' family to graduate from college) Millersville University, 24 hours post-graduate work, WORK EXPERIENCE Hlghmark Blue Shield, HGS Administrators, Camp Hill, PA 1988 - present. Supervisor, Customer ~ervice. Lead 30+ employees. Plan work goals, schedule, establish and maintain performance standards, train and develop employees for best advantage, coach and support employees, resolve conflicts, deal directly with corporate benefits and salary administration to answer employee questions, prepare numerous reports and answer questions for management, coordinate teams in work improvement opportunities, create innovative solutions to handle a growing workload with fewer employees. I have: ~. Completed numerous leadership training programs, customer service seminars, total quality management sessions, team-building training, employment law and personnel policy training courses. ,. Confront and resolve performance problems on a daily basis including personal and work habit problems, personality conflicts, discrimination suits, and termination cases. ,. Conduct personal and written presentations to management and others explaining company directives or employee positions. ~. Developed position requirements, recruited, interviewed, tested, and referenced checked numerous non-exempt employees. ~. Possess interpersonal abilities to understand all sides of an issue and forge mutually agreeable solutions. Known as a team player. Seen by others as understanding yet decisive. ~ Coordinate team-based approaches to idea generation and problem solving projects resulting in numerous work- process improvements. Adla Personnel Services. Harrisburg. PA 1985 - December 1987. Co -owner and Office M~ria.qer. Temporary and permanent personnel placement services. Took work orders from clients, recruited, selected, oriented, scheduled and monitored performance of up to 300 employees a week. Successfully matched employees with job requirements in pressure filled, customer intensive atmosphere. Full-time Parent. 1972 - 1985 Manheim Central School District, Manheim, PA En.qlish Teacher 1965 -1972. HAROLD $. IRWIN, Iff, ESQUIRE A'I'rORNEY ID NO. Zfl20 84 SOUTH PIl'r STREET CARLISLE PA 17013 AI'rORNEY FOR ALLEGED INCOMPETENT IN RE: PAUL A. MILLER, Alleged Incapacitated Person : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS COURT DIVISION : : NO. 21 - 04 - 0255 ORDER OF COURT NOW, this ~"~a~ of March, 2004, on petition of the alleged incompetent, Paul A. Miller, by his court appointed counsel, Harold S. Irwin, III, Esquire, a continuance in this matter is hereby granted. The parties are directed to present themselves in Courtroom No. 3, Cumberland County Courthouse, 4th Floor, Courthouse Square, Carlisle, Pennsylvania, at ~.3/)/~1I. on ~///~/9 ~'O~ ~ at which time and place this case will be heard./ / P.J. IN RE: PAUL A. MILLER, Alleged Incapacitated Person : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS COURT DIVISION : : NO. 2t - 04 - 0255 PETITION FOR CONTINUANCE NOW comes the alleged incompetent, by his court appointed co~n~,el, Harold S. Irwin, III, Esquire, and presents this petition for a continuance, representing as ~llows¢ ~:.:, 1. Upon petition of Marcia M. Lentz, this Court entered an order onr~arch .~ 15, 2004, setting March 26, 2004 for a hearing thereon and appointed Harold .~ Irwin,~ III, Esquire as attorney for the alleged incompetent. ,:::7 2. Counsel for the alleged incompetent has been given a large amount of background material and documentation which is relevant to this matter. 3. Depositions of the alleged incompetent's physician have been scheduled for Wednesday, March 24, 2004. The deposition notice also contains a request for Mr. Miller's medical records. 4. A records subpoena covering a substantial amount of additional documentation has been issued to Waypoint Bank and requiring the bank to provide copies of bank records of deposits into and payments from the alleged incompetent's accounts, copies of communication between the bank and the alleged incompetent's agent and other documentary information. That subpoena is returnable on the day of the hearing, March 24, 2004. 5. Counsel for the alleged incompetent believes and therefore avers that Waypoint Bank may decline to respond to the subpoena due to the time limitations imposed by the scheduling of this hearing. 6. Counsel for the alleged incompetent has had no prior contact with the alleged incompetent and believes and therefore avers that the volume of material which must be reviewed and analyzed prior to this hearing makes it impossible for him to provide adequate representation to the alleged incompetent absent a continuance being granted in this matter. 7. Counsel for the alleged incompetent has communicated with counsel for the agent and for the moving party. The moving party's counsel, Richard P. Nuffort, Esquire, has provided his written response indicating that he does not object to a continuance. Counsel for the agent, Donald Kaufman, Esquire, has indicated by telephone conference that and his client are also in agreement agree with a continuance. 8. All parties in this matter have agreed that a continuance is justified and is necessary in order for proper consideration to be given to all aspects of this case; furthermore, counsel for the agent, Donald Kaufman, Esquire, has indicated that he believes that the alleged incapacitated person must be given at least twenty (20) days notice of the hearing. 9. Counsel for the alleged incapacitated person believes and therefore avers that no prejudice will inure to any of the parties by continuing this matter for a period of at least thirty (30) days. WHEREFORE, counsel for the alleged incompetent requests that the Court grant a continuance in this case and set a new date and time for a hearing in this matter. March 19, 2004 ~ _-,~,,,,,, o. :, ~,,,,, ,~ ~ Attorney for Paul~ 64 South Pitt Street Carlisle, PA 17013 (717) 243-6090 Supreme Court ID No. 29920 VERIFICATION Counsel for the alleged incompetent is executing this verification due to the situation involved, but does have personal knowledge of the facts averred in this petition. I verify that the statements in the above petition are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unswom falsification to authorities. March 22, 2004 IN THE COURT Of COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION IN RE: : PAUL A. MILLER, Incapacitated Person: 21-04-255 ORPHANS' COURT TO PAUL A. MILLER CITATION WITH NOTICE A Petition has been filed with this Court to have you declared an Incapacitated Person. If the Court finds you to be an Incapacitated Person, your rights will be affected, including your right to manage money and property and to make decisions. A copy of the petition which has been filed by Marcia M. Lentz is attached. You are hereby ordered to appear at a hearing to be held in Courtroom Number 3, located in the Cumberland County Courthouse, Carlisle, Pennsylvania, on Friday, March 26, 2004, at 10:30 a.m. on this citation to show cause why you should not be adjudicated an Incapacitated Person and a plenary guardian of your estate appointed. To be an Incapacitated Person means that you are not able to receive and effectively evaluate information and communicate decisions and that you are unable to manage your money and/or other property, or to make necessary decisions about where you will live, what medical care you will get, or how your money will be spent. Harold S. Irwin, III, Esquire, is appointed to represent Paul A. Miller. Counsel shall coordinate the appearance of Paul A. Miller at the scheduled hearing. If the Court decides that you are an Incapacitated Person, The Court may appoint a Guardian for you, based on the nature of any condition or disability and your capacity to make and communicate decisions. The Guardian will be of your person and/or your money and other property and will have either limited or full powers to act for you. If the Court finds you are totally incapacitated, your legal rights will be affected and you will not be able to make a contract or gift of your money or other property. If the Court finds that you are partially incapacitated, your legal rights will also be limited as directed by the Court. Clerk, Orphans' Cou'r~_~,V jf),~~,~, ,-- , j IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION iN iRE: PAUL A. MILLER, Incapacitated Person: 21-04-255 ORPHANS' COURT TO PAUL A. MILLER CITATION WITH NOTICE A Petition has been filed with this Court to have you declared an Incapacitated Person. If the Court finds you to be an Incapacitated Person, your rights will be affected, including your right to manage money and property and to make decisions. A copy of the petition which has been filed by Marcia M. Lentz is attached. You are hereby ordered to appear at a hearing to be held in Courtroom Number 3, located in the Cumberland County Courthouse, Carlisle, Pennsylvania, on Friday, March 26, 2004, at 10:30 a.m. on this citation to Show cause why you should not be adjudicated an Incapacitated Person and a plenary guardian of your estate appointed. To be an Incapacitated Person means that you are not able to receive and effectively evaluate information and communicate decisions and that you are unable to manage your money and/or other property, or to make necessary decisions about where you will live, what medical care you will get, or how your money will be spent. Harold S. Irwin, III, Esquire, is appointed to represent Paul A. Miller. Counsel shall coordinate the appearance of Paul A. Miller at the scheduled hearing. If the Court decides that you are an Incapacitated Person, The Court may appoint a Guardian for you, based on the nature of any condition or disability and your capacity to make and.communicate decisions. The Guardian will be of your person and/or your money and other property and will have either limited or full powers to act for you. If the Court finds you are totally incapacitated, your legal rights will be affected and you will not be able to make a contract or gift of your money or other property. If the Court finds that you are partially incapacitated, your legal rights will also be limited as directed by the Court. Clerk, Orphans' Court 03235-90 4/27/04 Case No. 21-04-255 Commonwealth of Pennsylvania County of Cumberland Orphans Court Division CERTIFICATE PREREQUISITE TO SERVICE OF A SUBPOENA PURSUANT TO RULE 4009.22 IN RE: PAUL A. MILLER, incapacitated person. Case No. 21-04-255 As a prerequisite to service of a subpoena for documents or things pursuant to Rule 4009.21, et seq., Petitioner, Marcia Lentz, certifies that: (1) a notice of intent to serve the subpoena with a copy of the subpoena attached thereto was mailed or delivered to each party at least twenty days prior to the date on which the subpoena is sought to be served, (2) a copy of the notice of intent, including the proposed subpoena, is attached to this certificate, (3) no objection to the subpoena has been received, and Date: (4) the subpoena which will be served is identical to the subpoena which is attached to the notice of intent to serve the subpoena. April 28, 2004 ZIMMERMAN, PFANNEBECKER, NUFFORT & ALBERT, LLP BY:Rich~u~re Attorney for Plaintiff Attorney I.D. No. 16044 22 South Duke Street Lancaster, PA 17602 Telephone No. (717) 299-0711 '" 03235-90 4/5/04 Case No. 21-04-255 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS COURT DIVISION IN RE: PAUL A. MILLER, incapacitated person. Case No. 21-04-255 NOTICE OF INTENT TO SERVE A SUBPOENA TO PRODUCE DOCUMENTS AND THINGS FOR DISCOVERY PURSUANT TO RULE 4009.21 TO: HAROLD S. IRWIN, III, ESQUIRE and DONALD KAUFMAN, ESQUIRE and GREGORY J. MILLER Petitioner, Marcia M. Lentz, intends to serve a subpoena on BETHANY VILLAGE RETIREMENT CENTER identical to the one that is attached to this notice. You have twenty (20) days from the date listed below in which to file of record and serve upon the undersigned an objection to the subpoena. If no objection is made, the subpoena may be served. Date: ZIMMERMAN, PFANNEBECKER, NUFFORT & ALBERT, LLP By: '~s Richar quire Attorney for Plaintiff Attorney I.D. No. 16044 22 South Duke Street Lancaster, PA 17602 Telephone No. (717) 299-0711 Cumberland County, SS: IN RE: PAUL A. MILLER, Incapacitated Person SUBPEONA DUCES TECUM No. 21-04-255 To: Medical Records Custodian Bethany Village Retirement Center 325 Wesley Drive Mechanicsburg, PA 17055 GREETING: We command you and each of you, that, setting aside all manner of business and excuses, :Y~ H :b:e:~P~:U'~ ~~ 8vqMrx ~n~ b~:oxa: ~ g~:~r.d:ges ~a::~r N~ ~~m~be~~X~mx, xxxx~x~xxxxx~kxxxx~.xxxxx, xx XXXX~X ~~~g~~, to testify all and singular those things which you shall know in a certain information for gau~ ~. ~l~er. ~ND BRXNG N/TH YOU a~ o~ ~hose ~ems se~ $or~h on ~he sheet attached to this Subpoena Duces Tecum. Failure to appear may result in the initiation of contempt of court proceedings against you and/or issuance of a bench warrant to secure your presence. WITNESS the Honorable George E. Hoffer, President Judge, at Carlisle, the _Za_~day of A.% TVo ANO Within twenty (20) days after service of this subpoena, you are ordered by the court to produce the following Documents or things: all records related to the care and treatment and to the medical, psychological and psychiatric conditions of Paul A. Miller, including, but not limited to, any and all records relating to Mr. Paul A. Miller's mental capacity, from the point of Mr. Miller's admission to Bethany Village in July of 1999 through the date of your production of the documents demanded hereby. The documents are to be produced at Zimmerman, Pfannebecker, Nuffort & Albert, 22 South Duke Street, Lancaster, PA, 17602. You may deliver or mail legible copies of the documents or produce things requested by this subpoena, together with the certificate of compliance, to the party making this request at the address listed above. You have the right to seek in advance the reasonable cost of preparing the copies or producing the things sought. If you fail to produce the documents or things required by this subpoena within twenty (20) days after its service, the party serving this subpoena may seek a court order compelling you to comply with it. This subpoena was issued at the request of the following person: Richard P. Nuffort Attorney's Name 16044 Identification Number Zimmerman, Pfannebecker, Nuffort & Albert Address 22 South Duke Street, Lancaster, PA, 17607 (717)299-0711 Telephone Number 03235'-~0 3/29/04 Case No. 21-04-255 Commonwealth of Pennsylvania CoUnty of Cumberland Orphans Court Division SUBPOENA TO PRODUCE DOCUMENTS OR THINGS FOR DISCOVERY PURSUANT TO RULE 4009.22 IN RE: PAUL A. MILLER, incapacitated person. Case No. 21-04-255 TO: Medical Records Custodian Bethany Village Retirement Center Mechanicsburg, Pennsylvania Within twenty (20) days after service of this subpoena, you are ordered by the court to produce the following Documents or things: all records related to the care and treatment and to the medical, psychological and psychiatric conditions of Paul A. Miller, including, but not limited to, any and all records relating to Mr. Paul A. Miller's mental capacity, from the point of Mr. Miller's admission to Bethany Village in July of 1999 through the date of your production of the documents demanded hereby. The documents are to be produced at Zimmerman, Pfannebecker, Nuffort & Albert, 22 South Duke Street, Lancaster, PA, '17602. You may deliver or mail legible copies of the documents or produce things requested by this subpoena, together with the certificate of compliance, to the party making this request at the address listed above. You have the right to seek in advance the reasonable cost of preparing the copies or producing the things sought. If you fail to produce the documents or things required by this subpoena within twenty (20) days after its service, the party serving this subpoena may seek a court order compelling you to comply with it. This subpoena was issued at the request of the following person: Richard P. Nuffort Attorney's Name 16044 Identification Number Zimmerman, Pfannebecker, Nuffort & Albert Address 22 South Duke Street, Lancaster, PA, 17602 (717)299-0711 Telephone Number Date: Seal of the Court BY THE COURT: BY (Prothonotary) 03235-90 4/29/04 Case No. 21-04-255 PROOF OF SERVlCF I HEREBY CERTIFY that I am this day serving the Notice of Intent to Serve Subpoena upon the persons and in the manner indicated below: Service by First Class Mail, addressed as follows: Harold S. Irwin, III, Esquire 64 South Pitt Street Carlisle, PA 17013 Donald B. Kaufman, Esquire 100 Pine Street P.O. Box 1166 Harrisburg, PA 17101-1166 Gregory J. Miller 5212 SW Ninth Place Cape Coral, FL 33914 Date: April 5, 2004 ZIMMERMAN, PFANNEBECKER, NUFFORT & ALBERT, LLP Richard P Nuff~rt, Esquire Attorney for Plaintiff Attorney I.D. No. 16044 22 South Duke Street Lancaster, PA 17602 Telephone No. (717) 299-0711 HAROLD S. IRWIN, III, ESQUIRE ATTORNEY ID NO. 29920 64 SOUTH PITT STREET CARLISLE PA 170t 3 (7t7) 243-609O ATTORNEY FOR ALLEGED INCOMPETENT MAY~ZOO& IN RE: PAUL A. MILLER, Alleged Incapacitated Person : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS COURT DIVISION : : NO. 21 - 04 - 0255 ORDER OF COURT NOW, this _~_ __day of May, 2004, on petition of the alleged incompetent, Paul A. Miller, by his court appointed counsel, Harold S. Irwin, III, Esquire, a continuance in this matter is hereby granted. The parties are directed to present themselves in Courtroom No. 3, Cumberland County Courthouse, 4th Floor, Courthouse Square, Carlisle, Pennsylvania, at ~-.~,/~. on (~),¢~__ c~ ¢.~o~ ~/' atwhich time and place this case will be heard. ~' / / By the Court, P.J. IN RE: PAUL A. MILLER, Alleged Incapacitated Person : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS COURT DIVISION : : NO. 21 - 04 - 0255 PETITION FOR CONTINUANCE NOW comes the alleged incapacitated person, by his court appointed counsel, Harold S. Irwin, III, Esquire, and presents this petition for a continuance, representing as follows: 1. Upon petition of Marcia M. Lentz, this Court entered an order on March 15, 2004, setting March 26, 2004 for a hearing thereon and appointed Harold S. Irwin, III, Esquire as attorney for the alleged incompetent. 2. On petition of the alleged incapacitated person, by his court appointed counsel, Harold S. Irwin, III, Esquire, and with the agreement of all parties, this Court entered an order continuing the hearing until May l~t, 2004. /'7 3. The parties have considerable discovery remaining, including depositions of Marcia Lentz, the petitioner, Joseph and Patricia Miller, the respondents, Steven Minana, the alleged incapacitated person's physician, his previous attorney and possibly others. 4. In addition, records subpoenas remain outstanding, covering a substantial amount of additional documentation which must be reviewed prior to any hearing to be held in this matter. 5. This discovery is vital to the appropriate resolution of this case, preparation for the hearing and for the purposes of exploring settlement alternatives which are being discussed between the parties. 6. Despite diligent efforts by all parties, it will not been possible to conclude this discovery process in the time left before the hearing now scheduled for May 14, 2004. 7. Counsel for the alleged incompetent has communicated with counsel for the agent and for the moving party and neither the moving party's counsel, Richard P. Nuffort, Esquire, nor counsel for the agent, Donald Kaufman, Esquire, have any objection to a continuance. Both have expressed that they and their clients are in agreement that a continuance should be granted in this matter. 8. Counsel for the alleged incapacitated person believes and therefore avers that no prejudice will inure to any of the parties by continuing this matter for an additional period of 30 - 45 days. WHEREFORE, counsel for the alleged incompetent requests that the Court grant a continuance in this case and set a new date and time for a hearing in this matter. May 4, 2004 HaroldIII~S. Irwin, Attorney for Paul 64 South Pitt Street Carlisle, PA 17013 (717) 243-6090 Supreme Court ID No. 29920 VERIFICATION Counsel for the alleged incompetent is executing this verification due to the situation involved, but does have personal knowledge of the facts averred in this petition. I verify that the statements in the above petition are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. May 4, 2004 ~Attorney for Paul A. Mi~ IN RE: PAUL A. MILLER, an alleged incapacitated person : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHAN'S COURT DIVISION : : NO. 21-04-0255 PETITION FOR RULE TO SHOW CAUSE NOW comes Harold S. Irwin, III, Esquire, court appointed coUrt'el for~Baul A:; Miller, an alleged incapacitated person, and presents this petition for a rule t~show cause, representing as follows: 1. Petitioner Harold S. Irwin, III, is an adult individual with offices I'.O~;ated at 64 South Pitt Street, Carlisle, Cumberland County, Pennsylvania 17013 and i~'court appointed counsel for Paul A. Miller, an alleged incapacitated person. 2. Respondents Joseph A. Miller and Patricia Ann Miller are adult individuals residing at 307 Walnut Street, Lemoyne, Cumberland County, Pennsylvania 17043. 3. The financial affairs of Paul A. Miller have been handled since approximately May of 1999 by Joseph A. Miller and Patricia Ann pursuant to durable general powers of attorney dated August 19, 1993 and October 4, 2001. 4. In March, 2004, Paul A. Miller's daughter, Marcia M. Lentz, filed a petition for adjudication of the incapacity of Paul A. Miller and for the appointment of a plenary guardian of the person and estate of Paul A. Miller. 5. Simultaneously with the filing of the above petition, Ms. Lentz filed a second petition seeking, inter alia, the suspension of the powers of Joseph A. Miller and Patricia Ann Miller and their removal as agents for Paul A. Miller, that they be ordered to provide a complete accounting for all monies or properties of Paul A. Miller that have come into their possession or control, that they be ordered to reimburse to Paul A. Miller all funds taken from him for their personal use and that they be surcharged for all costs and expenses connected with these proceedings. 6. Upon the filing of these petitions, this Court issued a Citation upon Paul A. Miller, ordering him to appear in Court on March 26, 2004, to show cause why he should not be adjudicated an incapacitated person and a plenary guardian appointed for him. The Citation also appointed your petitioner, Harold S. Irwin, III, to represent Paul A. Miller in this matter. 7. However, in the Citation the Court did not address the issues of an accounting by the agents, the suspension or removal of the powers of the agents, the reimbursement of any funds taken by the agents for their personal use or the surcharge of the agents for the costs and expenses associated with these proceedings. 8. The hearing scheduled for March 26, 2004 has been continued until July 26, 2004, pending the taking of depositions and the production of various documents necessary to a proper understanding and adjudication of the issues in this case. 9. The production of documents and the taking of depositions in this case are continuing to date and petitioner believes and therefore avers that counsel for all parties are exercising due diligence in the scheduling and completion of these matters. 10. Counsel for respondents has provided to counsel for Marcia Lentz and for Paul A. Miller respondents' agreement that they will make no changes to any of the assets of Paul A. Miller and will limit their compensation requests to a figure that has been approved by the parties pending final agreement of the parties or determination by the Court. 11. In addition, though it has been alleged by Ms. Lentz that respondents have breached their fiduciary duty to Paul A. Miller by misusing Paul A. Miller's credit card and / or other assets, that credit card account has been closed and respondents have turned over possession of Paul A. Miller's checking account to Waypoint Bank, trustee for Paul A. Miller. 12. Accordingly, at this time, pending further agreement of the parties or determination by the Court, respondents powers have been effectively suspended, Paul A. Miller has been provided with court-appointed, independent counsel, appropriate discovery is ongoing and the status quo is being maintained. 13. Petitioner, court-appointed counsel for Paul A. Miller, believes and therefore avers that a full and complete accounting from Joseph A. Miller and Patricia Ann Miller is necessary to a satisfactory and accurate investigation of their activities as agents for Paul A. Miller and that such accounting is necessary prior to the taking of their deposition or any hearing to be held on this matter even if such an accounting will further delay the hearing in this matter. 14. Further delay will not prejudice the rights of any of the parties in that the status quo is being maintained by agreement of the parties as aforesaid. However, the inability to have a full examination of all of the facts of this matter prior to depositions and a hearing may prevent appropriate disposition of all matters herein by agreement or judicial determination. WHEREFORE, petitioner requests your Honorable Court to enter a rule upon Joseph A. Miller and Patricia Ann Miller to show cause why they should not be required to file an accounting as aforesaid, to reimburse to Paul A. Miller any funds taken by them for their personal use and to be surcharged for all the costs and expenses connected with this proceeding. / June 16, 2004 _ 64 South Pitt Street Carlisle, PA 17013 717-243-6090 Supreme Court ID No. 29920 VERIFICATION The foregoing petition is true and correct to the best of my knowledge, information and belief. I understand that false statements made herein are subject to the penalties of 18 Pa.C.S.A. Section 4094, relating to unsworn falsification to authorities. Counsel for Paul A. Miller is executing this verification due to the alleged incapacity of Paul A. Miller. June /¢ ,2004 ~/L572004 ~B:42 ?Z72431~50 ND~O P~GE 02/02 F:\ F{ I. ~'~DATAFIL ~O~n~tl~i~ ! 120~-l. ~a'YoFaPinu'~m~'~nthu PAUL A. MILLER, Incapacitated Person IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 21-04-255 oRPHANS' COURT DIVISION PRAECIPE TO THE CLERK OF THE ORPHANS' COURT OF CUMBERLAND COU-NTY: Kindly withdraw the appearance ofZirnmerman Pfannebecker Nuffort & Albert and Frey & Tiley on behalf of Petitioner Marcia M. Lentz in the above-captioned matter. By /~/~ ,/J~'~ N. '~(-andwer§er, Esquire 22 South Duke Street Lancaster, PA 17602 (717) 299-0711 FREY & TILEY ...f'/-~ ~,~.~,t,,'~~D. ~-~(~-/, Esquire 5 South Hanover Street Carlisle, PA 17013 (717) 243-5838 Enter the appearance ofMARTSON DEARDORFF WILLIAMS & OTTO on behalf of Petitioner Marcia M. Lentz in the above-captioned matter. Date: KFF WILLIAMS & OTTO Carl C, Risch, Esquire I.D, Number 75901 Ten East High Street Caflisle~ PA 17013 (717) 243-3341 A ttorneysfor Petitioner CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing Praecipe was served this date by depositing same in the Post Office at Carlisle, PA, first class mail, postage prepaid, addressed as follows: Harold S. Irwin, III, Esquire 64 South Pitt Street Carlisle, PA 17013 Donald B. Kaufman, Esquire McNees Wallace & Nurick 100 Pine Street P.O. Box 1166 Harrisburg, PA 17108-1166 Lawrence F. Hinnenkamp, Esquire 227 North Duke Street Lancaster, PA 17608-1515 Gregory J. Miller 5212 S.W. Ninth Place Cape Coral, FL 33914 Robert C. Spitzer, Esquire 407 North Front Street P.O. Box 12087 Harrisburg, PA 17108 Richard Ruben, Esquire 235 North Front Street P.O. Box 1711 Harrisburg, PA 17105 WILLIAMS & OTTO Carl C. Risch Ten East High Street Carlisle, PA 17013 (717) 243-3341 Dated: June 18, 2004 HAROLD $. IRWIN, II1~ ESQUIRE ATTORNEY ID NO. 2~g20 64 SOUTH PITT STREET CARLISLE PA 17013 DI'~ ~ A'T'rORNEY FOR ALLEGED INCAPACITATED PER,SON IN RE: PAUL A. MILLER, Alleged Incapacitated Person : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS COURT DIVISION : : NO. 21 - 04 - 0255 ORDER OF COURT NOW, this ~J~ d~ay of ~, 2004, on petition of the alleged incompetent, Paul ^. Miller, by his court appointed counsel, Harold S. Irwin, III, Esquire, the hearing in this matter now scheduled for July 26, 2004, is continued generally. Counsel for any of the parties may re-list the case for a hearing at any time they deem appropriate. By the Court, P.J. IN RE: PAUL A. MILLER, Alleged Incapacitated Person : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS COURT DIVISION : : NO. 21 - 04 - 0255 PETITION FOR CONTINUANCE NOW comes the alleged incapacitated person, by his court appointed counsel, Harold S. Irwin, III, Esquire, and presents this petition for a continuance, representing as follows: 1. Upon petition of Marcia M. Lentz, this Court entered an order on March 15, 2004, setting March 26, 2004 for a hearing thereon and appointed Harold S. Irwin, III, Esquire as attorney for the alleged incompetent. 2. On petition of the alleged incapacitated person, by his court appointed counsel, Harold S. Irwin, III, Esquire, and with the agreement of all parties, this Court entered an order continuing the hearing until May 14, 2004. 3. Subsequently, on another petition of the alleged incapacitated person, by his court appointed counsel, Harold S. Irwin, III, Esquire, and with the agreer~ent of all parties, this Court entered an order continuing the hearing until July 26, 2004. 4. The parties continue to engage in meaningful discovery, as well as settlement discussions and negotiations, and still have considerable discovery remaining, including depositions of Marcia Lentz (the original petitioner), Joseph and Patricia Miller (the original respondents), Steven Minana (former employee of Waypoint Bank, trustee), his previous attorney and probably others. 5. Financial and medical records subpoenas have only recently been complied with and cover a voluminous amount of financial data and medical information which must be digested and analyzed by all of the parties prior to any hearing to be held in this matter. 6. This petitioner has filed a petition requesting that the Court issue a citation upon the respondents to produce an accounting of their handling of the alleged incapacitated person's finances since the inception of their authority. The Court has not yet ruled on that petition; however, once granted, respondents will require time to prepare that accounting and petitioners will then require time to review and analyze the accounting. 7. All of this discovery is vital to the appropriate resolution of this case, preparation for the hearing and for the purposes of exploring comprehensive settlement alternatives which are being discussed between the parties. 8. In addition to the foregoing, the original petitioner has just obtained new counsel who requires additional time to prepare for this proceeding. 9. Despite diligent efforts by all parties, it will not be possible to conclude the discovery process in the time left before the hearing now scheduled for July 29, 2004. 10. This petitioner has communicated with all other counsel and none have any objection to a continuance. All counsel have expressed that they and their clients are in agreement that a continuance should be granted in this matter. 11. Furthermore, the alleged incapacitated person's personal needs continue to be met through the assistance of the staff at his nursing home (Bethany Village) and private duty care providers. His financial needs are being appropriately provided for through his own significant financial assets which are being managed by his trustee, Waypoint Bank. 12. Based upon all of the foregoing, counsel for the alleged incapacitated person believes and therefore avers that no prejudice will inure to any of the parties by continuing this matter generally in that adequate safeguards have been put in place to protect the alleged incapacitated person during the pendency of these proceedings. June 24, 2004 WHEREFORE, counsel for the alleged incapacitated person requests that the Court grant a general continuance in this case, permitting any party to request that it be re-listed for hearing as they deem appropriate. Attorney for Paul A. MilI~ J 64 South Pitt Street Carlisle, PA 17013 (717) 243-6090 Supreme Court ID No. 29920 VERIFICATION Counsel for the alleged incompetent is executing this verification due to the situation involved, but does have personal knowledge of the facts averred in this petition. I verify that the statements in the above petition are true and correct to the best of my knowledge, information and belief. I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. Section 4904 relating to unsworn falsification to authorities. June 24, 2004 Attorney for Paul A~ IN RE: Estate of Paul A. Miller, an alleged incapacitated person IN THE COURT OF COMMON PLEAS ORPHANS' COURT DIVISION CUMBERLAND COUNTY, PENNSYLVANIA NO. 21-2004-0255 RULE WE COMMAND, you that laying aside all business and excuses whatsoever, you be and appear in your proper person before the Honorable Judges of the Court of Common Pleas, Orphans' Court Division at a session of the said Court there to be held, for the County of Cumberland to show cause why a Citation should not be issued. Rule returnable 30 days service upon their attorney of record, Donald B. Kauffman, Esquire, by certified mail. Witness my hand an official seal of office at Carlisle, Pennsylvania, this 29th day of June, 2004. /Clerk, Orphans Court Division i~.J~Y~ [[I/VI~'~I~ / Cumberland County, Carlisle, PA f v ~v,,t My Commission Expires on the Ist Monday January, 2006 IN RE: PAUL A. MILLER, an alleged Incapacitated person : IN THE COURT OF COMMON PLEAS OF -. CUMBERLAND COUNTY, PENNSYLVANIA : ORPHAN'S COURT DIVISION .' NO. 21-04-0255 ORDER NOW, this~d"~' ~ay of ~~_, 2004, upon consideration of the petition of Paul A. Miller, by his court appointed attorney, Harold S. Irwin, III, Esquire, a Rule is hereby issued upon Joseph A. Miller and Patricia Ann Miller to show cause why a Citation should not be issued. Rule returnable ~' days after service upon their attorney of record, Donald B. Kaufman, Esquire, by certified mail. BY THE COURT, IN RE: PAUL A. MILLER, an alleged incapacitated person : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHAN'S COURT DIVISION : NO. 21-04-0255 PETITION FOR RULE TO SHOW CAUSE NOW comes Harold S. Irwin, III, Esquire, court appointed counSel fonP_,aul A, Miller, an alleged incapacitated person, and presents this petition for a rule t~ show cause, representing as follows: 1. Petitioner Harold S. Irwin, III, is an adult individual with offices IbCated at 64 South Pitt Street, Carlisle, Cumberland County, Pennsylvania 17013 and i~' court appointed counsel for Paul A. Miller, an alleged incapacitated person. 2. Respondents Joseph A. Miller and Patricia Ann Miller are adult individuals residing at 307 Walnut Street, Lemoyne, Cumberland County, Pennsylvania 17043. 3. The financial affairs of Paul A. Miller have been handled since approXimately May of 1999 by Joseph A. Miller and Patricia Ann pursuant to durable general powers of attorney dated August 19, 1993 and October 4, 2001. 4. In March, 2004, Paul A. Miller's daughter, Marcia M. Lentz, filed a petition for adjudication of the incapacity of Paul A. Miller and for the appointment of a plenary guardian of the person and estate of Paul A. Miller. 5. Simultaneously with the filing of the above petition, Ms. Lentz filed a second petition seeking, inter alia, the suspension of the powers of Joseph A. Miller and Patricia Ann Miller and their removal as agents for Paul A. Miller, that they be ordered to provide a complete accounting for all monies or properties of Paul A. Miller that have come into their possession or control, that they be ordered to reimburse to Paul A. Miller all funds taken from him for their personal use and that they be surcharged for all costs and expenses connected with these proceedings. 6. Upon the filing of these petitions, this Court issued a Citation upon Paul A. Miller, ordering him to appear in Court on March 26, 2004, to show cause why he should not be adjudicated an incapacitated person and a plenary guardian appointed for him. The Citation also appointed your petitioner, Harold S. Irwin, III, to represent Paul A. Miller in this matter. 7. However, in the Citation the Court did not address the issues of an accounting by the agents, the suspension or removal of the powers of the agents, the reimbursement of any funds taken by the agents for their personal use or the surcharge of the agents for the costs and expenses associated with these proceedings. 8. The hearing scheduled for March 26, 2004 has been continued until July 26, 2004, pending the taking of depositions and the production of various documents necessary to a proper understanding and adjudication of the issues in this case. 9. The production of documents and the taking of depositions in this case are continuing to date and petitioner believes and therefore avers that counsel for all parties are exercising due diligence in the scheduling and completion of these matters. 10. Counsel for respondents has provided to counsel for Marcia Lentz and for Paul A. Miller respondents' agreement that they will make no changes to any of the assets of Paul A. Miller and will limit their compensation requests to a figure that has been approved by the parties pending final agreement of the parties or determination by the Court. 11. In addition, though it has been alleged by Ms. Lentz that respondents have breached their fiduciary duty to Paul A. Miller by misusing Paul A. Miller's credit card and / or other assets, that credit card account has been closed and respondents have turned over possession of Paul A. Miller's checking account to Waypoint Bank, trustee for Paul A. Miller. 12. Accordingly, at this time, pending further agreement of the parties or determination by the Court, respondents powers have been effectively suspended, Paul A. Miller has been provided with court-appointed, independent counsel, appropriate discovery is ongoing and the status quo is being maintained. 13. Petitioner, court-appointed counsel for Paul A. Miller, believes and therefore avers that a full and complete accounting from Joseph A. Miller and Patricia Ann Miller is necessary to a satisfactory and accurate investigation of their activities as agents for Paul A. Miller and that such accounting is necessary prior to the taking of their deposition or any hearing to be held on this matter even if such an accounting will further delay the hearing in this matter. 14. Further delay will not prejudice the rights of any of the parties in that the status quo is being maintained by agreement of the parties as aforesaid. However, the inability to have a full examination of all of the facts of this matter prior to depositions and a hearing may prevent appropriate disposition of all matters herein by agreement or judicial determination. WHEREFORE, petitioner requests your Honorable Court to enter a rule upon Joseph A. Miller and Patricia Ann Miller to show cause why they should not be required to file an accounting as aforesaid, to reimburse to Paul A. Miller any funds taken by them for their personal use and to be surcharged for all the costs and expenses connected with this proceeding. ~HA~RO~ June 16, 2004 - AttornLD S IRWI 64 South Pitt Street Carlisle, PA 17013 717-243-6090 Supreme Court ID No. 29920 VERIFICATION The foregoing petition is true and correct to the best of my knowledge, information and belief. I understand that false statements made herein are subject to the penalties of 18 Pa.C.S.A. Section 4094, relating to unsworn falsification to authorities. Counsel for Paul A. Miller is executing this verification due to the alleged incapacity of Paul A. Miller. June /¢ ,2004 Register of Wills of Cumberland County, Pennsylvania PETITION FOR GRANT OF LETTERS Estate of PAUL A. MILLER also known as N/A Joseph A. Miller , Deceased Social Security No. 167-14-5837 Petitioner(s). who is/are 18 years of age or older, apply(les) for: (COMPLETE "A" OR "B" BELOW:) A. Probate and Grant of Letters and aver that Petitioner is the executor named in the Last Will of the Decedent, dated November 19, 1998 and codicil(s) dated N/A, the first named Executrix, Esther K. Miller, having predeceased the Decedent State relevant circumstances, e.g.. renunciation, death of executor, etc. Except as follows, Decedent did not marry, was not divorced, and did not have a child born or adopted after execution of the documents offered for probate; was not the victim of a killing and was never adjudicated incompetent: N/A B. Grant of Letters of Administration {d.b.n.c.t,a.: pendente lite; durante absentia; durante minoritate} Petitioner(s) after a proper search has/have ascertained that Decedent left no Will and was survived by the following spouse (if any) and heirs: Name Relationship (COMPLETE IN ALL CASES:) Attach additional sheets if necessary. Decedent was domiciled at death in Cumberland County, Pennsylvania, with his/her last family or principal residence at 325 Wesley Drive, Mechanicsburg, PA 17055. {list street, number and municipality) Decedent, then 82 years of age, died July 18, 2004, at Bethany Village, Mechanicsburg. (Location) Decedent at death owned property with estimated values as follows: (If domiciled in PA)All personal property ................................................................ $ 3,000 (If not domiciled in PA) Personal property in Pennsylvania ............................................... $ (If not domiciled in PA) Personal property in County ....................................................... $ Value of real estate in Pennsylvania ........................................................................... $ - 0 - Total .......................................................................................................... $ 3,000 Real Estate situated as follows: N/A Wherefore, Petitioner(s) respectfully request(s) the probate of the last Will and Codicil(s) presented with this Petition and the grant of letters in the appropriate form to the undersigned: A Signature Typed or printed name and residence Joseph A. Miller 307 Walnut Street Lemoyne, PA 17043 Form RW-1 Page I of 2 {Cumberland County) - Rev. 9/92 Oath of Personal Representative Commonwealth of Pennsylvania County of Cumberland The Petitioner(s) above-named swear(s) and affirm(s) that the statements in the foregoing Petition are true and correct to the best of the knowledge and belief of Petitioner(s) and that, as personal representative(s) of the Decedent, Petitioner(s) will well and truly administer the estate according to laW. Sworn to and affirmed and subscribed ~{~'~_ _ _ before me this ,~' ~__ ~ day of July 2004 No. O~I Estate of Paul A. Miller Deceased Social Security No: 167-14-5837 Date of Death July 18, 2004 AND NOW, July 2004, in c~dera_tjon__~z, ~.~ of:~tl"~ Petition on the reverse side hereon, satisfactory proof having been presented ~:~re r~ IT IS DECREED that Letters ~ Testamentary ~ of Administration are hereby granted to Joseph A. Miller C;~ described in the Petition be admitted to probate and filed of record as last{~/ill of D'~cedent. FEES Letters ........................... $ 25.00 Short Certificate(s) .......... Renunciation .................. Affidavit ( ) ................. Extra Pages(10) ............ $ Codicil ..........................$ JCP Fee ........................ $ Inventory ....................... Other ............................ TOTAL ................ $ 30.00 27.00 10.00 3.00 95.00 Attorney I.D. No. Address: Telephone Elizabeth P. Mullaugh 76397 McNees Wallace & Nurick LLC 100 Pine Street, P.O. Box 1166 Harrisburg, PA 17108-1166 (717) 237-5243 Form RW-1 Page 2 of 2 (Cumberland County( - Rev, 9/92 105.905 REV./09/00) This is to certify that this is a true copy of the record which is on file in the Pennsylvania Division of Vital Records in accordance with Act 66, P.L. 304, approved by the General Assembly, June 29, 1953. WARNING: It is illegal to duplicate this copy by photostat or photograph. Secretary of Health Charles Hardester State Registrar 2 1 g 0 0 0 4 NOV No. ~ Date COMMONWEALTH OF PENNSYLVANIA- DEPARTMENT OF HEALTH' VITAL RECORDS 0 8 9 6 3 1 CERTIFICATE OF DEATH Esther M. Miller ~-Female I:' 204 -- 03 -- 8085 ,- 9/4/2002 79 v.~ : : 8/21/1923 Rapho Twp., PA ~,~rq CumbeHand [~ower Allen Twp. , Bethany Village ~.~.~ [,t White Homem~er ],,~ her own home I,*.- ],,. "'~ 8 ] ( ..... 1,. Married I,~Paul A. Miller ~,.~.~c~ ~cE~.~ Pennsylvania · ,.~ ~ ~ Lower Allen Twp. 325 Wesley Drive ~u~) ,7.~. Mechanicsburg, PA 17055 (~ ..... ,~.~ Cumberland Miller Samuel D. Koser ,.. EllzaDetn RelQer ~307 Walnut Street, Lemo~me, PA 17043 [] 9/7/2002 ~,cWest Green Tree Cemetery ~,,. Elizabethtown~ PA 17022 I=~"~F'~ 0'~12783-L ~.["~n~"~ $~?~4iSle%U~Funeral Home, Inc., Elizabethtown, PA m~ ~o~oq~ts A CO~Sm~UEUCE O~ WARNING: IT IS ILLEGAL TO ALTER THIS COPY OR TO DUPLICATE BY PHOTOSTAT OR PHOTOGRAPH. ~E 5662855 PAUL ko 167-14-5837 7-22-04 P c'~ ~ 5~ :~'~ PE~SYLV~IA BETHANY VILLAGE CUMBERLAND LOWER ALLEN TWP. WHITE WIDOWED ~'i : ~' :~. ~ 325 WESLEY DR. MECHANICSBURG YES PA JOSEPH A. MILLER ~ 130 N. MARKET STREET DAVID T. SEKELY ELIZABETHTOWN, PA. MULTIORGAN SYSTEM FAILURE PROGRESSIVE SUPRANUCLEAR PALSY X JAMES A. HARTY, M.D. CAMP HILL 7-21-04 25 IRIS CIRCLE ELIZABETHTOWN WILL OF PAUL A. MILLLER Lawrence F. Hinnenkamp Attorney at Law 227 North Duke Street P.O. Box 1515 Lancaster, Pennsylvania 17608 Phone 717-394-8221 WILL OF PAUL A. MILLER I, PAUL A. MILLER, Township of Lower Allen, County of Cumberland, Commonwealth of Pennsylvania, declare this to be my last will and I revoke all earlier wills and codicils. SECTION 1. My wife, ESTHER K. MILLER, and I own as tenants by the entireties all the furniture, rugs and other household effects situate in or about our home. SECTION 2. If my wife survives me I give my tangible personal property to my wife ..... SECTION 3. If my wife does not survive me, I givE' to children who survive so much of my tangible personal propert~'s they may agree, in such shares as they determine, and th% rest~-oz such property shall be made a part of my general estate. SECTION 4. Ail the rest, residue and remainder of my estate I give to my trustees under the Agreement of Trust executed by me, prior to the execution of this Will, on the 19th day of November, 1998, to be administered in accordance with the terms of that Agreement and any amendment that I may make to it hereafter; provided, however, that in any instance where a share in the principal or income of my residuary estate would be distributable to a beneficiary under the aforesaid Agreement as soon as received by the trustees, my executors may make distribution directly to such beneficiary. SECTION 5. In the administration of my estate and any trust created in this will: 5.1 If not provided otherwise in any deed or will, all estate, inheritance, succession, and other death taxes payable by reason of my death, and penalties thereon, with respect to all property that is a part of my estate for death tax purposes, whether or not such property passes under this Will, shall be paid out of my estate as if it were an expense of administration, without apportionment or right of reimbursement or contribution from anybody. This provision concerning taxes does not apply to property that is a part of my estate only because it is qualified terminable interest property for federal estate tax purposes. 5.2 Withdrawals shall be made from an IRA or other qualified plan at least as rapidly as under the method of distribution in effect on Settlor's death or as required under Internal Revenue Code Section 401(a) (9) . 5.3 Ail references herein to children or descendants of mine or of any person shall include any child or descendant lawfully adopted as such either before, on or after the date hereof. 5.4 Anything to the contrary herein notwithstanding, any reference to children or descendants or issue of mine shall exclude DAPHNE MILLER and KELLY MILLER and any descendant of either of them. 5.5 If my wife and I die simultaneously or under circumstances that are such that the order of our deaths is uncertain, I direct that I shall be deemed to predecease my wife irrespective of any provision of law establishing another presumption. 5.6 Before actual payment to a beneficiary, no interest in income or principal shall be assignable by the beneficiary or available to anybody having a claim against the beneficiary. 5.7 Income from any trust shall not be apportioned between a deceased income beneficiary and any succeeding beneficiary, and all income undistributed at the death of an income beneficiary shall be treated as if it had accrued after such death. 5.8 A fiduciary may make authorized distributions in cash or in kind. 5.9 The trustee at any time may terminate any trust if the value thereof is less than Fifty Thousand ($50,000.00) Dollars. On such termination the trustee shall pay the principal and any accumulated income of the trust to the beneficiary or beneficiaries entitled at that time to the income therefrom in the proportions to which they were entitled to receive the income, and on such termination the rights of any other person who might otherwise have an interest as a succeeding tenant or in remainder shall cease. 5.10 Any distribution to any person who is a minor or who is, in the fiduciary's opinion, disabled and unable to properly manage that person's funds, may be paid to that person's parent or guardian or to any person or organization caring for that person. In the case of a minor, the fiduciary may also appoint and pay the funds to a custodian for the minor under the Uniform Transfer or Gift to Minors Act of the state in which the minor resides. 5.11 If not terminated sooner, the trustee shall terminate any trust held by the trustee twenty-one {21) years after the death of the last to die of me, my wife, and such of my descendants as are living at the time of my death. On such termination the trustee shall pay the principal and any accumulated income of the trust to the beneficiary or beneficiaries entitled at that time to the income therefrom in the proportions to which they were entitled to receive the income, and on such termination the rights of any other person who might otherwise have an interest as a succeeding tenant or in remainder shall cease. 5.12 Without the approval of any court and without the authorization of any person, the trustee at any time may combine any trust with any other trust held by the trustee, whether created by me or another and whether created by will or deed, if the terms of the trusts are then substantially similar and held for the benefit of the same beneficiary or beneficiaries. 5.13 A fiduciary may allocate receipts and expenses to income or principal or partly to each as the fiduciary shall determine from time to time in the fiduciary's discretion, and a fiduciary may also establish (or not establish) reserves or allowances for depletion or depreciation, in such amounts and at such rates (if any) as the fiduciary shall determine from time to time in the fiduciary's discretion, regardless of whether and to what extent income tax deductions are allowable in respect of such receipts, reserves, or allowances. SECTION 6. Any fiduciary appointed in this will, or any duly appointed successor, may exercise the powers given by law and those given by this will and, in addition thereto and without any order of court and in the discretion of such fiduciary, may: 6.1 Retain any property which at any time is a part of my estate, including stock in or obligations of a corporate fiduciary, regardless of risk or lack of diversification; 6.2 Invest and reinvest in any property without restriction to legal investments, including any common trust fund or proprietary mutual fund maintained by a corporate fiduciary and including stock in or obligations of a corporate fiduciary; 6.3 Exercise any option, right or privilege to subscribe for and purchase or acquire stock, bonds, notes, mortgages or other property, real or personal, including stock in or obligations of a corporate fiduciary, without responsibility for lack of diversification in consequence of so doing. 6.4 Vote securities, in person or by proxy, including stock in a corporate fiduciary, and in such connection delegate discretionary powers; 6.5 Repair, alter, improve or lease any property for any period of time, and give options for leases; 6.6 Retain any part or all of any business interest so long as the fiduciary considers it advisable to do so, and conduct, alone or with another or others, any business in which I am engaged or in which I have an interest at my death, with all the powers of an owner with respect thereto, including the powers to delegate discretionary duties to another or to others, to pay adequate compensation to any such person, to invest other property in such business, and to incorporate it or change its form; 6.7 Sell at public or private sale, for cash or credit, with or without security; exchange or partition property; and give options for sales or exchanges; 6.8 Borrow money from any person or entity, including the fiduciary, and mortgage or pledge any property. 6.9 Compromise or abandon claims; 6.10 Add to the principal of any trust created in this will any property received from any person by deed, will or in any other way; and as to the trustee, receive proceeds of life insurance policies or other property before or after any distribution is made to the trustee by the executor; 6.11 Withdraw all or any part of an IRA, or fractional share of an IRA, designate a beneficiary of a trust to receive any remaining payments directly, or delegate to a beneficiary of a trust the right to withdraw at any time all or part of an IRA, or fractional share of an IRA; 6.12 Disclaim any interest which might otherwise be transferred or distributed to me from any other person, estate, trust, or other entity; and, 6.13 Retain investment counsel at the expense of the estate or trust. SECTION 7. Concerning fiduciaries: 7.1 No fiduciary, and no duly appointed successor, shall be required to give or enter into any bond or security in any jurisdiction. 7.2 A corporate fiduciary shall be compensated periodically in accordance with the schedule of compensation of the fiduciary currently in effect when the services are performed. 7.3 A fiduciary may make court accounting, but the approval of an account by the then current beneficiary or beneficiaries, or in the case of a minor beneficiary by a parent of the minor, shall be a full discharge of a fiduciary. When there is another --7- fiduciary, no accounting shall be required of an individual fiduciary or such fiduciary's personal representative because of the fiduciary's death or resignation as a fiduciary. 7.4 The word "fiduciary" in this will includes an executor, a trustee and a guardian; unless the sense is otherwise, each of these words includes its plural. A male form of pronoun includes the female. SECTION 8. I appoint my wife, ESTHER K. MILLER, executrix of this will. If my wife for any reason whatsoever, is unable or unwilling to serve as executrix or, having qualified, is unable or unwilling to continue to serve, I appoint my son, JOSEPH A. MILLER, as alternate or successor executor. If my son for any reason whatsoever, is unable or unwilling to serve as executor or, having qualified, is unable or unwilling to continue to serve, I appoint HARRIS SAVINGS BANK as second alternate or successor executor. IN WITNESS WHEREOF, I have hereunto set my hand and seal this 19th day of November, 1998. PAUL A. MILLE~ (SEAL) Signed, sealed, published and declared by the above as and for a last will in the presence of us, who have hereunto subscribed our names as witnesses at the request and in the presence of the above and in the presence of each other. STATE OF PENNSYLVANIA : : COUNTY OF LANCASTER : SS: I, PAUL A. MILLER, having been duly qualified according to law, acknowledge that I signed the foregoing instrument as my will, and that I signed it as my free and voluntary act for the purposes therein expressed. PAUL A. MILLER We, having been duly qualified according to law, depose and say that we were present and saw PAUL A. MILLER sign the foregoing instrument as his will; that he signed it as his free and voluntary act for the purposes therein expressed; that each of us in his sight and hearing and at his request signed the will as witnesses; and that to the best of our knowledge he was at that time 18 or more years of age, of sound mind and under no constraint or undue influence. Subscribed, sworn to or affirmed, and acknowledged before me by the above- named testator and by the witnesses whose names appear opposite on ~~=~_~ 19 q~. W~tnlss Notary Public CERTIFICATION OF NOTICE UNDER RULE 5.6(a) Name of Decedent: PAUL A. MILLER Date of Death: July 18, 2004 Will No.: 2004-00255 Admin. No.: To the Register. I certify that the Notice of Estate Administration required by Rule 5.6(a) of the Orphans' Court Rules was served on or mailed to the following heirs and beneficiaries of the above- captioned estate on July 27, 2004. Joseph A. Miller 307 Walnut Street Lemoyne, PA 17043 Gregory J. Miller 5212 S.W. Ninth Place Cape Coral, FL 33914 Marcia L. Lentz C/o Cad C. Risch, Esquire Martson Deardorff Williams & Otto Ten East High Street Carlisle, PA 17013-3015 Dan Madio, Trust Officer Waypoint Bank, Trustee 235 North Second Street Harrisburg, PA 17101 Notice has now been given to all persons entitled thereto under Rule 5.6(a) except N/A. Date: July2~ 200~<~ 100 Pine Street, P.O. Box 1166 Harrisburg, PA 17108 (717) 237-5243 Counsel for personal representative {A559621:} COMMONWEALTH OF pENNSYLVANIA DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES DEpT 280601 HARRISBURG, PA 17128 0601 RECEIVED FROM: PENNSYLVANIA INHERITANCE AND ESTATE TAX OFFICIAL RECEIPT REV 1162 EX(11 96) NO. CD 004501 MILLER JOSEPH A 307 WALNUT STREET LEMOYNE, PA 17043 ESTATE INFORMATION: SSN: FILE NUMBER: 2104-0255 DECEDENT NAME: MILLER PAUL A )ATE OF PAYMENT: 10/15/2004 POSTMARK DATE: 10/15/2004 COUNTY: CUMBERLAND DATE OF DEATH: 07/18/2004 ACN ASSESSMENT CONTROL NUMBER 167 14 5837 AMOUNT TOTAL AMOUNT PAID: 101 $28,900.00 $28,900.00 REMARKS: MARTSON ET AL SEAL CHECK//003929 INITIALS: VZ RECEIVED BY: GLENDA FARNER STRASBAUGH REGISTER OF WILLS REGISTER OF WILLS MARTSON DEARDORI'F WII.LIAMS & OTTO MDW&O October 15, 2004 HAND DELIVERED Office of Register of Wills Cumberland County Courthouse Carlisle, PA 17013 RE: Estate of Paul Miller Estate No. 21-4-00255 Date of Death: July 18, 2004 Dear Clerk: Enclosed with this letter is Waypoint Bank check no. 003929 in the amount of $28,900.00 representing payment of Pennsylvania Inheritance Tax in the above-referenced estate. Will you please issue the appropriate receipt and forward it to me at the above address. I thank you in advance for your prompt attention to this matter. Very truly yours, MARTSON DEARDORFF WILLIAMS & OTTO Carl C. Risch CCR/vlo Enclosure PETITION FOR GRANT OF LETTERS OF ADMINISTRATION d.b.n.c.t.a. Estate oJ also kno~vn as PAUL A. MILLER Social Security No. 167-14-5837 No. 2004- 00255 To: Register of Wills for the County of Cumberland in the Commonwealth of Pennsylvania The petition of the undersigned respectfidly represents that: Your petitioner is 18 years of age or older. The Executor named in the Will of decedent dated November 19, 1998, Esther K. Miller, is deceased; the alternate or successor executor named in the Will, Joseph A. Miller, resigned as Executor on October 7, 2004, and the second alternate or successor executor named in the Will, Harris Savings Bank (noxv Waypoint Bank), has renounced its right to serve as evidenced by its Renunciation dated September 13, 2004. Further, the residuary heirs and issue o£ decedent, Joseph A. Miller, Gregory J. Milleer and Marcia L. Lentz, have ali renounced their right to serve as personal representatives as evidenced by their Renunciations dated October 7, 2004, September 28, 2004 and September 11, 2004, respectively. In their respective Renunciations, all parties entitled to serve as personal representatives have requested my appointment. WHEREFORE, petitioner respectfully requests the grant of letters of administration d.b.n.c.t.a. thereon. Carl ~. Risch 10 East High Street Carlisle, PA 17013 (717) 243-3341 .- OATIt OF PERSONAL REPRESENTATIVE COMMONWEALTH OF PENNSYLVANIA" ) : SS. COUNTY OF CUMBERLAND ) The petitioner above-named swears or affinns that the statements in the foregoing petition are true and correct to the best of the knowledge and belie£ of petitioner arid th~ ~_p~onal representative of thc above decedent, petitioner will ;vell and truly administer the~r?~g t~ Sworn to or af~nned and subscribed before me this [ q day of Carl C~ ~t Register F / FILESX~DATA FI LE/ES TAT E S~d 1305-I renunciation 1N RE: ESTATE OF PAUL A. MILLER, DECEASED IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION NO. 21-04-0255 RENUNCIATION To the Register of Wills of Cumberland County, Pennsylvania. The undersigned Gregory J. Miller, son of the above decedent, hereby renounces the right to administer the above estate and respectfully asks that Letters of Administration d.b.n.c.t.a, be issued to Carl C. Risch, Esquire, MARTSON DEARDORPF WFLLIAMS & OTTO, 10 East High Street, Carlisle, PA 17013. ~o~"~ Ravmo~cwa,~,f Gre~OryJ. M~iler~ [\ . _ · ~ ~ My Commission 00239249 '~'~o~r.o~e E×p*res August 06, 2007 52 12 S.W. NJ/nth Cape Coral, FL 33914 1N RE: ESTATE OF PAUL A. MILLER, DECEASED IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION NO. 21-04-0255 RENUNCIATION To the Register o£Wills of Cumberland County, Pennsylvania. The undersigned Joseph A. Miller, son of the above decedent, hereby renounces the right to administer the above estate and respectfully asks that Letters of Administration d.b.n.c.t.a, be issued to Carl C. Risch, Esquire, MARTSON DEARDORFF WILLIAMS & OTTO, 10 East High Strcet, Carlisle, PA 17013. WITNESS my hand this COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN Joseph ~?'Miller 307 Walnut Street Lemoyne, PA 17043 On this, the ~4d'' day of , 2004, before me, the undersigned officer, personally appeared Joseph A. Miller, known to me to be the person whose name is subscribed to the within instrument, and acknowledged that he executed the same for the purposes therein contained. IN W~2££ "~'$~A~ ....... L~ set my hand at'notarial seal. ! MARIANNE H. ACRI, Nota~ Pub4ic ~ ~ /City Ot Hanlst3urg, PA Dauphin Co<tory / '/~. ~'~ ~My C~mmiSaOn Expires June 10, 2006~ Notary Public IN RE: ESTATE OF PAUL A. MILLER, DECEASED 1N THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION NO. 21-04-0255 RENUNCIATION To the Register of Wills of Cumberland County, Pennsylvania. The undersigned Marcia L. Lentz, daughter of the above decedcnt, hereby renounces the right to administer the above estate and respectfully asks that Letters of Administration d.b.n.c.t.a, be issued to Carl C. Risch, Esquire, MARTSON DEARDORPF WILLIAMS & OTTO, 10 East High Street, Carlisle, PA 17013. WITNESS my hand this Say of %~'M-t-~[ ,2004. 1818 Silver Pine Circle Mechanicsburg, PA 17050 1N RE: ESTATE OF PAUL A. MILLER, DECEASED : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS' COURT DIVISION : NO. 21-04-0255 RENUNCIATION To the Register of Wills of Cumberland County, Pennsylvania. Waypoint Bank (formerly Harris Savings Bank), second alternate or successor execntor named in the Will of Paul A. Miller dated November 19, 1998, and probatcd on July 26, 2004, to the above term and number, hereby renounces the right to administer the above estate and respectfidly asks that Letters of Administration d.b.n.c.t.a, be issued to Carl C. Risch, Esquire, MARTSON DEARDORPF WILLIAMS & OTTO, 10 East High Street, Carlisle, PA 17013. WITNESS my hand this /.5 day of ~!(~ ~/'d [~-/" ,2004. WAYP/OtNT BANK By: ,~F.654 x 235 North Second Street Harrisburg, PA 17101 COMMONWEALTH OF PENNSYLVANIA Notarial Seal I Debra A Sunday, Notaz3, Public I City of Harrisburg, Dauphin County My Commission Expires June 26. 2006 Member, Per)nsylvar~ia Association of Notaries 1N RE: ESTATE OF PAUL A. MILLER, DECEASED : IN THE COURT OF COMMON PLEAS OF : CUMBERLAND COUNTY, PENNSYLVANIA : ORPHANS' COURT DIVISION : NO. 21-04-0255 RESIGNATION OF EXECUTOR THE UNDERSIGNED, having been appointed as Executor of the above estate pursuant to Section 8 of the last Will of Paul A. Miller, dated the 19th day of November, 1998, said Will having been probated on July 26, 2004, and Letters Testamentary granted to the undersigned by the Register of Wills of Cumberland County, Pennsylvania, hcrcby resigns as said Executor. Ill witness whereof, I hereunto set nly hand and seal this ~ day of~ 2004. COMMONWEALTH OF PENNSYLVLANIA ) :SS. COUNTY OF,~x _--L)d..o[~,~t.l,~ ) On this, the ~ day of ,2004, before me, the undersigned officer, personally app_e~e~oseph A. Miller, known to mc to be the person whose name is subscribed to the ~,itbin in~ment, and acknowledged t~qat he exec~lted the same Ibr the pt rposes there,v contained. ./ IN WRYNESS WHEREOF, I hereunto set my hand and notarial seal. Notary Public NOTARIAL SEAL "---~ MARIANNE H. ACRI, Notary Public City of Hanl~rg, PA Daul~in County My Cmnml~mOn ~Expim~ June 10, 2006] IN RE: PAUL A. MILLER DECEASED REGISTER OF WILLS CUMBERLAND COUNTY PENNSYLVANIA ESTATE NO. 21-2004-0255 ORDER OF THE REGISTER OF WILLS TO REVOKE LETTERS TESTAMENTARY AND NOW, this 19th day of October, 2004, Letters Testamentary having been issued to Joseph A. Miller on July 26, 2004 as successor executor and a Resignation of Executor having been filed by Joseph A. Miller on October 14, 2004 and dated October 7, 2004, letters are hereby revoked. Upon consideration of the Renunciation of Waypoint Bank (lbrmcrly Hah'is Savings Bank), second alternate or successor executor, and the Rennnciations of Joseph A. Miller, Gregory J. Miller, and Marcia L. Lentz filed on October 14, 2004 and dated October 7, 2004, Septcmbcr 28, 2004 and September 11, 2004, respectfully, asking that letters of Administration d.b.n.c.t.a, be issued to Carl C. Risch. Esquire, Letters of Administration d.b.n.c.t.a, are hereby issued to Carl C. Risch, Esquire. Glenda Famer Strasbaugh, Register of W~s No. 2004- 0255 Estate of Paul A. iMiller, Deceased GRANT OF LETTERS ANDNOW, lO' }(~t C)'{ , in consideration ofthe petitiou on the reverse side hereof, satisfactory proof having been presented before me, IT IS DECREED that Letters of Administration d.b.n.c.t.a, are hereby granted to Carl C. Risch. Will Book it Page FEES Probate, Letters, Etc. Short Certificates( ) Renunciation TOTAL / Register of Wills ~,~ i£?~75~]~ lvo V. O~o IlL Esquire (27763) :" ATI'ORNEY (Sup Ct I.D. Nod MARTSON DEARDO~F WILLIAMS & OTTO 10 East High Street Carlisle, PA 17013 (717) 243-3341 Filed IN RE: : PAUL A. MILLER, : Incapacitated Person : IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO. 21-04-255 ORPHANS' COURT DIVISION WITHDRAWAL OF PETITIONS TO THE CLERK OF THE ORPHANS' COURT OF CUMBERLAND COUNTY: Petitioner, Marcia M. Lentz, by and through her attorneys Martson Deardorff Williams & Otto, hereby withdraws her Petition for Adjudication of Incapacity and Appointment of a Plenary Guardian of the Estate and Person of Paul A. Miller and her Petition for Removal of Attorney-in- Fact with prejudice. Date: Octobe~\ , 2004 MART~'~~O~K~ WILLIAMS& OTTO By ~ ~ Carl C. Risch, Esquire I.D. Number 75901 Ten East High Street Carlisle, PA 17013 (717) 243-3341 Attorneys for Petitioner Marcia M. Lentz CERTIFICATE OF SERVICE I hereby certify that a copy of the foregoing was served this date by depositing same in the Post Office at Carlisle, PA, first class mail, postage prepaid, addressed as follows: Harold S. Irwin, III, Esquire 64 South Pitt Street Carlisle, PA 17013 Donald B. Kaufman, Esquire McNees Wallace & Nurick 100 Pine Street P.O. Box 1166 Harrisburg, PA 17108-1166 Lawrence F. Hinnenkamp, Esquire 227 North Duke Street Lancaster, PA 17608-1515 Gregory J. Miller 5212 S.W. Ninth Place Cape Coral, FL 33914 Robert C. Spitzer, Esquire 407 North Front Street P.O. Box 12087 Harrisburg, PA 17108 Richard Ruben, Esquire 235 North Front Street P.O. Box 1711 Harrisburg, PA 17105 ORFF WILLIAMS & OTTO Carl C. Risch Ten East High Street Carlisle, PA 17013 (717) 243-3341 Dated: October~t , 2004 .CERTIFICATION OF NOTICE UNDER RULE 5.6(a) Name of Decedent: Paul A. Miller Date of Death: July 18, 2004 File No. 21-04-0255 To the Register: I certify that notice of estate administration required by Rule 5.6(a) of the Orphans' Court Rules was served on or mailed to the following beneficiaries of the above-captioned estate on or about November 9, 2004. Joseph A. Miller 307 Walnut Street Lemoyne, PA 17043 Marcia L. Lentz 1818 Silver Pine Circle Mechanicsburg, PA 17050 Gregory J. Miller 5212 SW Ninth Place Cape Coral, FL 33914 Daniel J. Madio II, Vice President Waypoint Bank, Trustee 235 North Second Street P.O. Box 1711 Harrisburg, PA 17105 Notice has now been given to all perso~ ~der Rule 5.6(a) except: N/A Date: November 9, 2004 Signature Name Carl C. Risch, Esquire MARTSON DEARDORFF WILLIAMS & OTTO Ten East High Street Carlisle, PA 17013 (717) 243-3341 Personal Representative ""D\)~ eo.co ~ 1>.0. 65.00 1d ~'5.ooREV-1500 , 'I INHERITANCE TAX RETURN RESIDENT DECEDENT --~--~- ~ 1--' // l , r--- I';LE NUMBER' I 21 . COUNTY CODE *' REV_1SOOEX+16-<lOI COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE DEPT. 2806Ql HARRIS8URG,PA 17123-0601 00255 ____ -.blUMB~I3_ 04 YEAR SOCIAL SECURITY NUMBER DECEDENT'S NAME (LAST, FIRST, AND MIDDLE INITIAL) MILLER, PAUL A. 167-14-5837 ~ z w c w u w c ----TQAT-E-OF"BIRTH (MM-DO:YEAR) , 112/1 5/1921 (IF APPLICABLE) SURVIVING SPOUSE'S NAME ( LAST. FIRST AND MIDDLE INITIAL) . THIS RETURN MUST BE FILED IN DUPLICATE WITH THE -'-~-SEC~;T~I~~;E~ Of' WILLS D 3. Remainder Return (dale of death prior to 12-13:82)--~ o o DATE OF DEATH (MM-OD-YEAR) 07/18/2004 o 2 Supplemental Return o 4a. Future Interest Compromise (date of death alter 12-12-82) ~ 7 Decedent Maintained a Living Trust (Attach copy of Trust) o 10. Spousal Poverty Credit (date of death between 12-31-91 and 1-1-95) THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE'),'N'bCONFIDENTIAl."TAx INFORMATION SHOULD BE DIRECTED TO: AME COMPLETE MAILING ADDRESS Carl C. Risch, Esquire ~ o ~6 09. 1. Original Return w ~ ::.:~(I) u~~ W~U ~oo u~~ ~m ~ ~ 5. Federal Estate Tax Return Required 4. Limited Estate 8 Total Number of Safe Deposit Boxes Decedent Died Testate (Attach copy alWill) litigation Proceeds Received o 11.Election to tax under Sec. 9113(A) (Attach SchO) .~ ~z Ww ~c ~z 00 u~ IRM NAME (If applicable) Martson Deardorff Williams & Otto Ten East High Stteet Carlisle, PA 17013 (1) None -- (2) 15,061.20 (3) None (4) None (5) 28,325.44 (6) None (7) 844,403.38 (8) (9) 36,475.31 (10) 8,055.29 ELEPHONE NUMBER 717/243-3341 1. Real Estate (Schedule A) ,"-<I 2. Stocks and Bonds (Schedule B) 3. Closely Held Corporation. Partnership or Sole-Proprietorship 4. Mortgages & Notes Receivable (Schedule 0) 5. Cash. Bank Deposits & Miscellaneous Personal Property (Schedule E) 6. Jointly Owned Property (Schedule F) o Separate Billing Requested 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G or L) 8. Total Gross Assets (total Lines 1-7) 9. Funeral Expenses & Administrative Costs (Schedule H) z o g ~ ~ ~ ~ u w ~ lib,790.02 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) (11) 44,530.60 11. Total Deductions (total Lines 9 & 10) (12) 843,259.42 12. Net Value of Estate (Line 8 minus Line 11) (13) 13. Charitable and Governmental Bequests/See 9113 Trusts for which an election to tax has not been made (Schedule J) 14. Net Value Subject to Tax (Line 12 minus Line 13) (14) 843,259.42 SEE INSTRUCTIONS ON REVERSE SIDE FOR APPLICABLE RATES x .00 (15) 843,259.42 x .045 (16) x .12 (17) x .15 (18) -~-_._._.__.~- (19) 1s.Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116(a)(1.2) z o ~ ~ ~ ~ ~ ~ o u ~ ~ 37,946.67 16.Amount of Line 14 taxable at lineal rate 17.Amount of Line 14 taxable at sibling rate 18. Amount of Line 14 taxable at collateral rate 19. Tax Due 37,946.67 CHECK HERE IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT. 20. 0 >>'SE SURE TOANSWERAlL QUESTIONS ON REVERSE 'SIDE'AND RECHECK MATH<< Copyright 2000 form software only The Lackner Group, Inc. Form REV-1500 EX (Rev. 6-00) \r- Decedent's Complete Address: STREET ADDRESS 325 Wesley Drive Tax Payments and Credits: 1. Tax Due (Page 1 Line 19) 2. Credits/Payments A. Spousal Poverty Credit B. Prior Payments C. Discount ISTATE PA I ZIP 17055 (1) 37,946.67 28,900.00 1,521.05 Total Credits (A + B + C) (2) 30,421.05 CITY Mechanicsburg 3. Interest/Penalty if applicable D. Interest E. Penalty (3) 0.00 (4) (5) 7,525.62 (SA) (5B) 7,525.62 TotallnterestlPenalty (0 + E) 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Check box on Page 1 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. B. Enter the total of Line 5 + SA. This is the BALANCE DUe. 1. Did decedent make a transfer and: a. retain the use or income of the property transferred;.......... ................. ....................... .......................... b. retain the right to designate who shall use the property transferred or its income;.... c. retain a reversionary interest; or.......................... ............................. ............................ d. receive the promise for life of either payments, benefits or care?.................................. .......................... 2. If death occurred after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration?. .......................... ..................................... . ....................... Make Check Payabfe 10: REGISTER OF WILLS, AGENT i .. - PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS Yes No ~ ~ :~ ! _I 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? .................... ............. ........................ .......... ..................................... D ~ D ~ ~ D IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. SIGNATURE OF PE DATE Carl C. Rlsc 10 East HiXh Street Carlisle, P 17013 7.. - \'1- 'J') SIGNATURE OF ADDRESS DATE SIGNATURE OF PR ADDRESS DATE Carl C. Risch, Ten East High Street 7 - ,.:1; -,)<; Carlisle, PA 17013 . , , '",'t,.,. 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 3% [72 P.S. 99116 (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 0% [72 P.S. s9116 (a) (1.1) (ii)]. The statute does not exemot 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 0% [72 P.S. S9116 (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 4.5%, except as noted in 72 P.S. S9116 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 12% [72 P.S. 99116 (a) (1.3)J. 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. '* SCHEDULE B STOCKS & BONDS COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT I FILE NUMBER .____~l - 04 - 00255 ESTATE OF MILLER, PAUL A. All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM NUMBER ] 326 shares Prudential Financial @46.20 DESCRIPTION UNIT VALUE I VALUE AT DATE OF DEATH 15,06120 TOTAL (Also enter on line 2, Recapitulation) ]5,061.20 '* SCHEDULE E CASH, BANK DEPOSITS, & MISC. I PERSONAL PROPERTY L COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT I FILE-NUMBER 21 - 04 - g0255 ESTATE OF MILLER, PAULA. Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with the right of survivorship must be disclosed on schedule F. ITEM NUMBER I DESCRIPTION VALUE AT DATE OF DEATH 6,918.67 Waypoint Bank, Checking Acet #t00074251 2 Costeas Auction, proceeds of auction of personal property 572.00 3 New York Life Annuity No. 58096248; beneficiary: estate 6609.3226 shares MainStay VP Cash Management @ 1.2511 ~ 8,268.92 506.7528 shares MainStay VP High Yield Corp Bd @ 21.0589 ~ 10,671.66 18,940.58 4 MMlMars, July pension 1,800.19 5 Joel Mayon, refund of security/key deposit for storage unit 94.00 TOTAL (Also enter on Line 5, Recapitulation) 28,325.44 .. 1 SCHEDULE G INTER-VIVOS TRANSFERS & MISC. NON-PROBATE PROPERTY FILE NUMBER 21-04-00255 COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF MILLER, PAULA. ITEM NUMBER This schedule must be comoleted and filed if the answer to an of uestions 1 throu DESCRIPTION OF PROPERTY DATE OF DEATH % OF Include the name 01 the transferee, their relationship to decedent and the date of transfer DECO'S EXCLUSION Attach a copy 01 the deed for real estate . VALUE OF ASSET (IF APPLICABLE) INTEREST TAXABLE VALUE Paul A. Miller Revocable Trust UA dtd 11/19/98, Waypoint Bank Accl. #20001388063; beneficiaries (after payment of I estate administration expenses and taxes): Joseph Miller, Gregory Miller and Marcia Lentz, children 5,087.00 100% 5,087.00 2 Paul A. Miller IRA Rollover, Waypoint Bank Acct #14001003061; beneficiaries: Joseph Miller, Gregory Miller and Marcia Lentz, children 620,319.39 100% 620,319.39 3 Esther K. Miller Trust, Waypoint Bank, Accl. #2500 I 023024; beneficiaries (after payment of inheritance and state death taxes): Joseph Miller, Gregory Miller and Marcia Lentz, children. This trust was not taxed at the death of Esther Miller (File No. 21-02-1090) 218,99699 100% 218,996.99 L_____ r I 844,403.38 TOTAL (Also enter on line 7, Recapitulation) . COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ..~ SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS l ESTATE OF MILLER, PAUL A. I FILE NUMBER 21 - 04 - 00255 Debts of decedent must be reported on Schedule I. ITEM NUMBER A. FUNERAL EXPENSES: Frank S. Miller Funeral Services DESCRIPTION B. ADMINISTRATIVE COSTS: Personal Representative's Commissions 1. Social Security Number(s) I EIN Number of Personal Representative(s): Street Address City Year(s) Commission paid State Zip 2. Attorney's Fees Marlson Deardorff Williams & Otto (estimated) 3. Family Exemption: (If decedent's address is not the same as claimant's, attach explanation) Claimant Street Address City Relationship of Claimant to Decedent State Zip 4. Probate Fees Register of Wills of Cumberland County 5. Accountant's Fees I 6. Tax Return Preparer's Fees 7. I Other Administrative Costs McNees Wallace & Nurick, professional services and costs re initial estate administration 2 Register of Wills, filing fee, Petition for Letters of Administration dbncta and short certificates Total of Continuation Schedule(s) TOTAL (Also enter on line 9, Recapitulation) AMOUNT 8,867.88 20,000.00 95.00 5,191.71 47.00 1,273.72 35,475.31 *' Schedule H Funeral Expenses & Adminis1ralive Costs continued COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT I FILE NUMBER .... 21-0~-00255 MILLER, PAUL A. ESTATE OF 3 Register of Wills, additional short certificates 23.00 15 4 Cumberland Law Journal, advertising appointment of Carl C. Risch 75.00 5 The Patriot-News, advertising appointment of Carl C. Risch 211.81 6 Death certificates 61.00 7 Register of Wills, copies 66.50 8 Ibis Appraisal Services, appraisal of personal property 90.00 9 Joel Mayon, storage unit rent for December & January 16748 10 Certificate of mailing 0.90 11 Certified mail 8.84 12 Overnight mail 12.64 13 Stock valuation report 1.55 14 Register of Wills, additional probate fee 55.00 Reserved for additional filing fees, tax preparation and miscellaneous expenses 1,50000 Page 2 of Schedule H *' I COMMONWE~LTH OF PENNSYLVAN=-l' INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE I DEBTS OF DECEDENT, MORTGAGE LIABILITIES, & LIENS I FILE NUMBER 21 - 04 - 00255 ESTATE OF MILLER, PAUL A. Include unreimbursed medical expenses. .---- -- ITEM DESCRIPTION AMOUNT NUMBER - ---. . - I Waypoint Bank Checking, outstanding checks clearing after death 1,468.50 2 Waypoint Bank, service fee 1.00 3 Bonnie Miller, Tax Collector, 2004 personal tax 9.80 4 Verizon, account payable 85.63 5 Linda Wagner, caretaker services for July 247.50 6 Sheperdsto\V11 Family Practice, balance after insurance 5.99 7 Quantum Imaging, balance after insurance 10.04 8 Mobile X-ray Imaging, balance after insurance 70.38 9 Pa Neurological Associates, balance after insurance 5.79 10 Alert Pharmacy, account payable 287.00 11 Milton S. Hershey Medical Center, balance after insurance 23.50 12 Connor-Rich Associates Internal Medicine, balance after insurance 30.18 13 Bethany Village, account payable 4,179.10 14 Bankcard Services, account payable 16.51 , 15 Lawrence F. Hinnenkamp, Esquire, professional services re trust matters, etc. 803.00 16 P A U C Fund, Employer taxes for 2004 241.37 17 Kuntz-Lesher, accounting fees for 2004 570.00 TOTAL (Also enter on Line 10, Recapitulation) 8,055.29 REV.15'13 EX+ (9-00) *' SCHEDULE J BENEFICIARIES .. I COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT ESTATE OF MILLER, PAUL A. I FILE NUMBER 21 - 04 - 00255 - RELATIONSHIP TO AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY DECEDENT OF ESTATE "-,-_._-- 1"\_ -.,. II"o;:t"''''l''\ I. TAXABLE DISTRIBUTIONS (include outright spousal distributions) I Joseph Miller Son 1/3 net proceeds of 307 Walnnt Street, Lemoyne, PA 17043 accounts, 8ch. G, 1,2 &3 2 Gregory Miller Son 1/3 net proceeds of 5212 SW Ninth Place, Cape Coral, FL 33914 accounts, 8ch. G, 1,2 &3 3 Marcia Lentz Daughter 1/3 net proceeds of 1818 Silver Pine Circle, Mechanicsburg, P A 17055 accounts, Seh. G, I, 2 &3 4 Paul A. Miller Trust dated 11/19/98 payable to Joseph Miller, Gregory Children Estate Residue Miller & Marcia Lentz I Enter dollar amounts for distributions shown above on lines 15 through 18, as appropriate, on Rev 1500 cover sheet II. NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS TOTAL OF PART 11- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET Glenda Farner Strasbaugh Register of Wills and Clerk of Orphans' Court Marjorie A. Wevodau First Deputy Ki~S. Sohonage, Esq Solicitor Register of Wills and Clerk of the Orphans' Court County of Cumberland One Courthouse Square Carlisle, PA 17013 (717) 240-6345 FAX (717)240-7797 INVOICE Bill To: InvoiceNo: Invoice Date: Estate of: Estate No: CARL C. RISCH, ESQ. TEN EAST HIGH STREET CARLISLE, PA 17013 Qty 1 Fee Total 55.00 $55.00 Fee Description Additional Probate Total: $55.00 ClJecks should be made payable to the Register of Wills, Tenns: Net 30. Please return one copy of this invoice with your payment. Thank you. 227 2/18/2005 PAUL A. MILLER 21-2004-0255 JA FIFJLESIDAT AFILE\ESTA TESIl 1305.2.ACCQUNT IN RE: PAUL A. MILLER IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA INSURANCE TRUST UNDER AGREEMENT DATED 12/18/1979 ORPHANS' COURT DIVISION NO. 8,;-04- 0155 FIRST AND FINAL ACCOUNT OF CARL C. RISCH. TRUSTEE. PAUL A. MILLER INSURANCE TRUST UNDER AGREEMENT DATED 12/18/1979 Account Stated to March. 2005 Purpose of Account: Carl C. Risch, Esquire, Trustee, offers this account to acquaint interested parties with the transactions that have occurred during his administration. *The account also indicates the proposed distribution of the trust. It is important that the account be carefully examined. Requests for additional information or questions or objections can be discussed with: Carl C. Risch, Esquire Trustee MARTSON DEARDORFF WILLIAMS & OTTO 10 East High Street Carlisle, P A 17013 (717) 243-3341 SUMMARY 1""',,1 PRINCIPAL Receipts Less Disbursements $ 36,916.45 -3.450.00 r- i"<l' Principal Balance Remaining $ 33,466.45 ':".." ~ OJ INCOME Receipts Less Disbursements Income Balance Remaining 69.91 0.00 69.91 ~ 33.536.36 COMBINED BALANCE REMAINING PRINCIPAL RECEIPTS 02/10/05 Proceeds from Prudential Insurance Policy No. 22 728 417 $ 31,873.71 02/16/05 Proceeds from MetLife Group Insurance Policy No. 0098000/005/0130 5,042.74 TOTAL 36,916.45 PRINCIPAL DISBURSEMENTS Reserved Filing fees $ 200.00 Reserved Martson Deardorff Williams & Otto, attorney fees 3.250.00 TOTAL $ 3,450.00 INCOME RECEIPTS 03/02/05 Interest accrued on MetLife proceeds through closing of account $ 1.47 03/10/05 Interest on M&T Market Advantage account 68.44 TOTAL $ 69.91 INCOME DISBURSEMENTS None $ 0.00 TOTAL $ 0.00 -2- SCHEDULE OF PROPOSED DISTRIBUTION Carl C. Risch, Esquire, Trustee of Paul A. Miller Insurance Trust dated 12/18/1979, proposes to distribute the balance in his hands, to wit: $33,536.36, in accordance with the Revocable Deed of Trust dated December 18, 1979, as amended, now known as the "Paul A. Miller Insurance Trust dated December 18, 1979," per stirpes to the living descendants of Paul A. Miller (Esther K. Miller, spouse, having predeceased Paul A. Miller), as follows: TO: Joseph A. Miller, son, 1/3 interest: Cash TO: Gregory J. Miller, son, 1/3 interest: Cash TO: Marcia L. Lentz, daughter, 1/3 interest: Cash $11,178.79 11,178.79 11.178.78 TOTAL BALANCE FOR DISTRffiUTION $33,536.36 STATEMENT OF THE REASONS FOR THE PROPOSED DISTRIBUTION The above distribution is proposed in accordance with the Revocable Agreement of Trust and amendments thereto (copies attached). COOO Carl C. Risch, Trustee COMMONWEALTH OF PENNSYLVANIA ) COUNTY OF CUMBERLAND ) Carl C. Risch, Esquire, being duly sworn according to law, deposes and says: That he is the Trustee ofthe Paul A. Miller Insurance Trust Under Agreement dated 12/18/1979; that he has fully and faithfully discharged the duties of his office; that the foregoing First and Final Account is true and correct and fully discloses all significant transactions occurring during the accounting period; that all known claims against the Trust have been paid in full; that to his knowledge, there are no claims now outstanding against the Trust and that all taxes presently due from the trust have been paid. (l)}K)O Carl C. Risch, Esquire, Trustee Sworn and subscribed to before me this AXNi day of March, 2005. ~fr * //K:-Y '---n1.e'I/~ ~ NotaIC Public (j NOTAAIALSEAL CORRINE L. MYERS, NOTARY PUBLIC CARLISLE BORO, COUNTY OF CUMBERLAND Wif COMMISSION EXPIRES MAY 27,2007 -3- --'<<..'"~:{,,,,?}'~~: _'J2:,,"~;:-;"'~>' ',~,_, ',_",,",,=:>,,,,'_o".';~__^c.-_" ,---' (C(Q)fP)f AMENDMENT TO THE AMENDED AND REST A TED TRUST AGREEMENT Under the terms of the life insurance trust of Paul A. Miller dated December 18. 1979. the Grantor reserved the right, under Section 26, from time to time to amend or revoke said Agreement by written instrument delivered to trustee. Grantor amended J'o,ci Tcsi,1ted the Agreement on August 12, 1983. Grantor further amended the Agreement i\1uccil 24, 1994. Grantor hereby further amends. in duplicate. the Agreement, effective January 30, 1997, as follows: L The following provision shall be added to Section 14 of the Agreement: (0) To withdraw all or any part of an IRA. or fractional share of an IRA, to designate a beneficiary of the trust to receive any remaining payments directly, or to delegate to a beneficiary the right to withdraw at any time all or part of an IRA. or fractional share of an IRA. II. Section 26(a) shall be deleted and former Section 26(b) shall b~.ignated Section 26(a). III. The following provision shall be added as Section 27: I declare this trust to be irrevocable and reserve no right of amendment, alteration or revocation. except that I reserve the right to add cash or other property acceptable to the trustee to the principal of the trust at any time. IN WITNESS WHEREOF, PAUL A. MILLER. Grantor, has hereunto set his hand and seal to this amending instrument this 30'h day of January, 1997. Witness: ,r.'---..\ \ \ I ..) .i. Z" /J .:/./ /,'./ I .-J. . . 'J vr'f// -V(:... -- v._, < /''-:-t/LC? Paul A. Miller. Grantor (SEAL) .~ Accepted by: MELLON BANK, Trustee. Successor to COMMONWELA TH NATIONAL BANK, Trustee Attest: /', , ) ..(. _'r L.- '-- ~ !' .,.,- ,'.... T _, .' ~. -' -- / " ..,J~/' ./-', ",' ,// -' . / / - --"~ .../'5,(:.,.....'..'-----:-' ~ ~.{..~-( -----<----.~'. ,/ ./ EIH115(1 AHENDHENT TO THE AMENDED TRUST AGREEMENT Under the terms of the life insurance trust of Paul A. Hiller dated December 18, 1979, the Grantor reserved the right from time to time to amend or revoke said Agreement. An Amendment to said Trust Agreement was completed and executed by Grantor, Paul A. Hiller on August 12, 1983. That Amendment remains in full force and effect except as amended by this document. The Grantor amends Paragraph 20 of said instrument to read as follows, A trustee may resign at any time by written notice to such trustee's co- trustee, if any, and to me, if then living, otherwise to my wife, Esther K. Miller, if then living, otherwise to each of my adult descendants who then is living. At any time or times I, if legally competent, otherwise my wife, Esther K. Hiller, if legally competent, otherwise Nancy Roskos, of Lancaster, Pennsylvania, if legally competent, otherwise, Lawrence Hinnenkamp, of Lancaster, Pennsylvania, may remove any acting independent trustee by written notice to such trustee. IN WITNESS WHEREOF, . 'I {I j)? '7 < day of I :1/2 c: if the party has hereunto set his hand and seal this , 1994. </;' / I~;Y; /!t& Paul A. M~ner ~- ;; ~. ~ .} -~ E'y .,- _ /\//'-/J.S I / ~ ----~--_.~--- """''';'''''' ;"''''''''''~'~~~m~!Il!m''\'ll~E""mi);r,~M~'1iIl:~t::rn~~~f,':~J:a~~~~~:h'''~ AMENDMENT TO TRUST AGREEMENT To: Commonwealth National Bank, as trustee of the Paul A. Miller Insurance Trust Dated Decem- ber 18, 1979. Under the terms of the above trust agreement, I reserved the right from time to time to amend or revoke said agreement, in whole or in part. I now desire to amend said agreement in many particulars and believe that the amendments will be better understood if the entire agree- ment is restated. Accordingly, in exercise of the right reserved to me, I amend said agreement by substituting for it this amending instrument which sets forth all of the terms and conditions relating to the administration, in- vestment and distribution of the property now and from time to time hereafter held under said agreement (referred to below as the "trust property") and the income thereof after this date. 1. This agreement and the trusts hereby evi- denced, as from time to time amended, may be designated the "PAUL A. MILLER INSURANCE TRUST DATED DECEMBER 18, 1979." 2. The trustee need not payor see to the pay- ment of premiums, assessments or other charges on policies. 3. On my death my wife, Esther K. Miller, shall E)(t-rf~ I I -1- become and be a co-teustee heeeundee without the execution of any document. 4. On my death the trustees shall take whatever action the teustees cons idee best to collect all amounts then payable to the teustees under any insurance policy or employee benefit plan, but the trustees need not incur ex- pense or take legal proceedings unless indemnified. The trustees may give a full discharge to an obligor of such obligoe's liability under a policy, an employee benefit plan Oe otherwise. 5. On my death the following provisions shall apply: (a) Except as otheewise expressly pro- vided below, the acting trustees shall provide for payment of all of (i) my debts, including debts owed by me to a trustee individually, except debts which constitute a lien or encum- brance on real property, (ii) the expenses of my last illness and funeeal and of the adminis- tration of my estate and (iii) the estate, inheeitance, succession and othee death taxes, including interest and penalties, imposed under the laws of the United States of America or any political subdivision thereof by reason of my death on Oe with respect to any peoperty, or the transfer Oe receipt of any property, pass- ing or which has passed under or outside this instrument or any amendment hereto, through my probate estate or by operation of law or any other form of transfer. (b) None of the above items shall be paid out of amounts received by the trustees under any qualified employee benefit plan or teust or other employment-related compensation arrange- ment or individual retirement account to the -2- extent excludable from my gross estate for fed- eral estate tax purposes or any property derived originally from amounts so received. (c) If an executor or administrator of my probate estate is appointed within six months after my death, then the above items shall be paid by the trustees only to the extent the ex- ecutor or administrator shall certify in writ- ing to the trustees that the residue of my probate estate is insufficient to pay such items. (d) All payments directed to be made by the trustees pursuant to the above provisions of this paragraph shall be paid out of and charged against the principal without appor- tionment or proration, irrespective of any ap- portionment statute or similar rule of law of any juriSdiction otherwise applicable, and the trustees shall not seek contribution toward or recovery of any such payments. (e) Elections under tax laws shall be made in such manner as appears advisable in the administration of my estate. NO adjustments shall be made as between income and principal or in the amount or selection of assets allo- cated to either trust under this instrument to compensate for the effect of such elections on the interests of beneficiaries. 6. As of the date of my death, the trustees shall divide and allocate the trust property, including property to which the trustees may be entitled under my will or from any other source, remaining after providing for the payments contemplated above (referred to below as "net trust property") as follows: (a) If my wife, Esther K. Miller, is liv- ing at the expiration of one hundred seventy days following the date of my death, then as of the date of my death the trustees shall estab- -3- lish out of "eligible marital deduction proper- ty" (defined below) a separate trust named for my wife and shall allocate to that trust the smallest pecuniary amount, if any, which if allocated to the trust named for my wife would result in the lowest possible total of federal estate tax and state death taxes (but only those state death taxes which are estate taxes computed by reference to the credit allowable under Internal Revenue Code Section 2011 or successor provisions) payable from all sources by reason of my death. (b) If my wife is living at my death but dies before the expiration of one hundred sev- enty days following the date of my death, then as of the date of my death the trustees shall establish out of "eligible marital deduction property" (defined below) a separate trust named for my wife and shall allocate to that trust the lesser of (i) the smallest pecuniary amount, if any, which if allocated to the trust named for my wife would result in the lowest possible total of federal estate tax and state death taxes (but only those state death taxes which are estate taxes computed by reference to the credit allowable under Internal Revenue Code Section 2011 or successor provisions) pay- able from all sources by reason of my death or (ii) a pecuniary amount equal to the amount by which two-fifths of the value of my net federal estate exceeds the aggregate value as finally determined for federal estate tax purposes in my estate of property and interests in property passing or which have passed other than under this subparagraph (b) and with respect to which a marital deduction is allowed for federal estate tax purposes in my estate. The "value of my net federal estate" shall be the value of my gross estate less the aggregate amount of all deductions allowed under Internal Revenue Code Sections 2053 and 2054 or successor provi- sions, each as finally determined for federal estate tax purposes in my estate. (c) After providing for the establishment of the trust named for my wife, if any, the trustees shall allocate the balance of the net -4- trust property to a separate trust named the "Family Trust." (d) "Eligible marital deduction prop- erty" means that part of the net trust property which is included in my gross estate for feder- al estate tax purposes and as to which, if so included, it is possible, by election or other- wise, to obtain a federal estate tax marital deduction with respect to such included property. (e) The "smallest pecuniary amount" de- scribed in subparagraph (a) or subparagraph (b) above shall be determined after giving effect to the exercise or proposed exercise of tax elections but shall not be construed as requir- ing any particular exercise of any tax election. (f) Each item of net trust property allo- cated in kind to the trust named for my wife pursuant to subparagraph (a) or subparagraph (b) above shall be valued for purposes of sat- isfying the pecuniary amounts described in either of those subparagraphs at the value of such item at the actual date of allocation to such trust. (g) If my wife and I both have died and there is insufficient evidence that we died otherwise than simultaneously, my wife shall be considered to have survived me for purposes of this paragraph 6 and paragraph 7 below. 7. If my wife, Esther K. Miller, is living at my death, the trust named for her created above shall be held and disposed of as follows: (a) Commencing at my death and during the life of my wife, Esther K. Miller, the trustees shall pay to my wife the income of the trust named for her in quarterly or monthly install- ments, as she may prefer, and in addition such amounts of principal as the trustees from time to time believe desirable for the comfortable maintenance, health, best interests and welfare -5- of my wife, considering her other income known to the trustees to be available for those purposes. (b) The trustees also shall distribute to my wife so much or all of the principal of the trust named for her as she from time to time may direct in writing. (c) On the death of my wife, the princi- pal of the trust named for her and all accrued or undistributed income thereof shall be dis- tributed to or for the benefit of such one or more persons or organizations or her estate in such proportions and subject to such trusts, powers and conditions as my wife may provide and appoint by will specifically referring to this power to appoint. 8. If my wife, Esther K. Miller, is living at my death, the Family Trust created above shall be held and disposed of as follows: (al Commencing at my death and during the life of my wife, Esther K. Miller, the trustees shall pay to anyone or more of my wife and my descendants from time to time living such part or all of the income and principal of the Fami- ly Trust (even though exhausting the Family Trust) at such time or times and in such equal or unequal proportions among them as the inde- pendent trustee, in such trustee's sole discre- tion, believes desirable and so directs for the comfortable maintenance, health, education and welfare of (i) my wife, (ii) my children, Marcia Lentz, Gregory Miller and Joseph Miller, and the descendants of any deceased child of mine and (iii) my other descendants, in that order and as a group, considering the desira- bility of supplementing their respective in- comes or assets, the interest of my wife in the trust named for her created above and all other circumstances and factors the independent trus- tee believes pertinent. Despite the preceding sentence, (I) if my wife then is legally compe- tent, the trustees shall make no payment pur- -6- suant to this subparagraph to a descendant of mine without the consent of my wife, and (2) any payments made under this subparagraph to a child of mine or to his or her descendants shall be charged without interest as an ad- vancement against the share of principal of the Family Trust, if any, otherwise distributable on the basic distribution date (defined below) to such child or to his or her descendants, as the case may be. Any undistributed income of the Family Trust shall be accumulated and from time to time added to principal. (b) On the death of my wife, the princi- pal of the Family Trust and all accrued or un- distributed income thereof shall be distributed to or for the benefit of such one or more per- sons then living or thereafter born who are descendants of mine or who at any time shall have been married to a descendant of mine in such proportions and subject to such trusts, powers and conditions as my wife may provide and appoint by will specifically referring to this power to appoint. 9. On the death of the last to die of my wife, Esther K. Miller, and me (the "basic distribution date"), any part of the trust named for my wife and of the Family Trust not effectively disposed of by the above provisions shall be distributed per stirpes to my then living descen- dants, except that, if the trustee so elects, the trustee may retain any property otherwise distributable to any de- scendant of mine who has not reached the age of thirty years as a separate trust named for such descendant in which his interest is indefeasibly vested, to be distrib- uted to the descendant before or when he or she reaches the age of thirty years, but in any event before the end of -7- twenty-one years after the death of the last to die of my wife, Esther K. Miller, my descendants living on Decem- ber 18, 1979, and me. The trustee shall apply so much of the income and principal of a trust so retained as the trustee believes desirable for the comfortable mainte- nance, health, education and welfare of the descendant of mine for whom the trust is named, accumulating and from time to time adding to principal any undistributed income. 10. The trustee may rely on a will admitted to probate in any jurisdiction as the last will of my wife, Esther K. Miller, or may assume my wife had no will in the absence of actual knowledge of a will within three months after her death. 11. Whenever the trustees consider that a bene- ficiary entitled to income or principal payments is inca- paccitated in any way so as to be unable to manage his or her financial affairs, such payments may be made directly to such beneficiary, to a duly appointed guardian or con- servator of such beneficiary or to a custodian for such beneficiary under a Uniform Gifts to Minors Act or other- wise expended for such beneficiary's benefit as the trus- tees consider advisable. 12. Except as otherwise provided, income accrued or undistributed at the termination of any interest shall -8- be treated as if it had accrued immediately after such termination. 13. The interests of the beneficiaries in prin- cipal or income shall not be subject to the claims of their creditors or others and may not be transferred or encum- bered. The preceding sentence shall not be construed as restricting in any way the exercise of any power of ap- pointment granted by this instrument. 14. In the administration of the trusts, the trustees, except as otherwise provided in this instrument, shall have the following powers and rights and all others granted by law: (al To manage, sell, contract to sell, grant or exercise options to purchase, convey, exchange, transfer, abandon, improve, repair, insure and otherwise deal with all property, real or personal, in such manner, for such prices and on such terms and conditions as the trustees shall decide. (b) To retain indefinitely any property received by the trustees and invest and rein- vest the trust property in stocks, bonds, mort- gages, notes or other property of any kind, real or personal, including interests in part- nerships, joint ventures, land trusts or other title-holding trusts, investment trusts or other business organizations as a limited or general partner, shareholder, creditor or otherwise, and any investment made or retained by the trustees in good faith shall be proper despite any resulting risk or lack of diversi- fication or marketability and although not of a kind considered by law suitable for trust investments. (c) To subdivide, resubdivide, raze, al- -9- ter, dedicate, vacate, donate, partition, re- lease, lease or renew, amend or extend leases for any term, contract to make leases, grant options to lease or to purchase the whole or any part of the reversion, contract regarding the manner of fixing present or future rentals and grant easements or charges of any kind on or with respect to any property, real or per- sonal, including any improvements thereon, or any right, title or interest therein, all for such prices and on such terms and conditions, although commencing in the future or extending beyond the term of the trusts, as the trustees shall decide. (d) a trustee any trust TO borrow from any source (including individually) and mortgage or pledge property. (e) demands. To settle or abandon claims or (f) To give proxies to vote stocks and voting securities and to enter into or oppose, alone or with others, voting trusts, mergers, consolidations, foreclosures, liquidations, re- organizations or other changes in the financial structure of any corporation. (g) To hold property in the name of a nominee or in any other way without disclosing the trust relationship. (h) To employ agents and counsel and delegate to them any powers of the trustees. (i) To decide, despite rules of law, how and in what proportions any receipts or disbursements shall be credited, charged or apportioned as between principal and income; provided, however, that the preceding provi- sions of this subparagraph shall not apply with respect to the trust named for my wife created above. (j) To divide or distribute trust prop- erty in undivided interests, non-pro rata or wholly or partly in kind, and for administra- -10- tive and investment purposes only to hold sepa- rate trusts, except the trust named for my wife, under this or any other instrument in one or more common accounts in which such trusts have undivided interests. (k) To pay all taxes and all reasonable expenses, including compensation to the inde- pendent trustee and the agents and counsel (including investment counsel) of the trustees; and, in this regard, whenever the termination of an interest in or power over trust property held hereunder is a taxable termination as a result of which a federal or state tax on cer- tain generation-skipping transfers is imposed, such tax and expenses related to the payment of such tax shall be paid by the trustees out of the principal of the trust property to which the tax relates after making any division or allocation of trust property required by reason of such termination. (1) To deal without restriction with the legal representative of my estate or the trus- tee or other legal representative of any trust created by me or a trust or estate in which a beneficiary has an interest, even though the trustees, individually, or either of them, shall be acting in such other capacity, without liability for any loss that may result. (m) To appoint or remove by written in- strument any person or qualified corporation, wherever located, as special trustee as to part or all of the trust property, including prop- erty as to which the trustees do not act, and such special trustee, except as specifically limited or provided by this or the apPointing instrument, Shall have all of the rights, ti- tles, powers, duties, discretions and immuni- ties of the trustees, without liability for any action taken or omitted to be taken under this or the appointing instrument. (n) To receive additional property from any person by will or otherwise. 15. Despite the general powers of the trustee, -11- from and after my death and during any period in which my wife, Esther K. Miller, is not acting as a trustee hereun- der and as long as my wife is legally competent and willing to act under this paragraph, the trustee shall (a) make no sale or investment of trust assets without her written ap- proval unless she fails to indicate approval or disapproval of the trustee's proposal within twenty days after a writ- ten request to do so and (b) follow all written directions by my wife as to the retention or sale of trust assets and the purchase of investments with principal cash. The trus- tee shall not be liable for a loss that results from fol- lowing an express disapproval or direction given by my wife or any delay in receiving approval or disapproval from my wife under this paragraph. The rights and powers herein conferred on my wife shall be exercisable only in a fidu- ciary capacity. By written notice to the trustee my wife at any time or from time to time may waive for limited periods of time or permanently or may delegate to any per- son any or all of her rights and powers under this paragraph. 16. Where the context admits, the words "trus- tee" and "trustees" mean the trustee or trustees from time to time qualified and acting, and the term "independent trustee" means the trustee from time to time qualified and acting other than my wife, Esther K. Miller, or any descen- -12- dant of mine. While two trustees are acting, the following provisions apply where the context admits: (a) The corporate trustee, if any, shall have custody of the trust property. (b) A trustee from time to time by writ- ing may delegate to the other trustee, with the consent of the latter, any or all of such trus- tee's rights, powers, duties and discretions. (c) The trustees may establish bank ac- counts and may authorize that checks or drafts may be drawn on or withdrawals made from any such accounts on the individual signature of either trustee. (d) If my wife is acting as a trustee and the trustees disagree with respect to a matter as to which they have joint powers, my wife shall make the decision. A non-concurring trustee shall not be liable for any act or failure to act of the other trustee. (e) A trustee shall be presumed to have approved a proposed act or decision to refrain from acting if such trustee fails to indicate approval or disapproval thereof within fifteen days after a written request to do so. A trus- tee shall not be required to continue to make a proposal which has been disapproved on at least two occasions if such trustee has informed the disapproving co-trustee that continuing disap- proval will be assumed until notice to the con- trary has been received. (f) The trustees may execute documents by signing one document or several counterparts of the same document which, together, shall be taken as one and the same document. 17. Notwithstanding any other provisions of this instrument, within a reasonable time after receiving writ- ten notice from my wife, Esther K. Miller, the trustees shall convert or dispose of non-income-producing property -13- held in the trust named for my wife created above. 18. The trustees' exercise or nonexercise of powers and discretions in good faith shall be conclusive on all persons. No one need see to the application of money paid or property delivered to the trustees. The trustees' certificate that the trustees are acting according to this instrument shall fully protect all persons dealing with the trustees. 19. To the extent such requirements can be waived, the trustees shall not be required (a) to file ac- counts or reports of the administration of the trusts, or to register the trusts, in any court, (b) to furnish any bond or other security for the proper performance of the trustees' duties or (c) to obtain authority from a court for the exercise of any power conferred on the trustees by this instrument. 2G. A trustee may resign at any time by written notice to such trustee's co-trustee, if any, and to me, if then living, otherwise to my wife, Esther K. Miller, if then living, otherwise to each of my adult descendants who then is living. A~_~nL time or times I, if legally compe- tent, otherwise Henry Martini, of Lancaster, Pennsylvania, if legally competent, otherwise Henry Kenderdine, of Elizabethtown, Pennsylvania, if legally competent, other- wise Lowell Mann, of Elizabethtown, Pennsylvania, if le- -14- gally competent, may remove any acting independent trustee by written notice to such trustee. 21. I, if legally competent, otherwise my wife, Esther K. Miller, if legally competent, otherwise the ma- jority of my adult descendants who are legally competent, may appoint a successor to fill any vacancy in the office of trustee by written instrument delivered to the person or corporation appointed; provided, however, that (a) from and after my death and until the basic distribution date at least one independent trustee shall be acting as to the Family Trust at all times, and (b) so long as one indepen- dent trustee shall be acting as to the Family Trust, a vacancy in the office of co-trustee may, but need not, be filled. 22. Any person acting or named to act in a fidu- ciary capacity hereunder or required to be legally compe- tent in order to act hereunder shall be considered to have ceased or failed to act or to be legally incompetent to act when a physician whom such person has consulted within the prior three years has certified as to such consultation and also as to the lack of the physical or mental capacity of such person to manage his or her financial affairs. 23. Each successor trustee shall have the same rights, titles, powers, duties, discretions and immunities and otherwise be in the same position as if originally -15- ...I1l '.. ~ . ~=~ na~ed trustee. No successor trustee shall be personally liable for any act or failure to act of a predecessor trus- tee. A successor trustee may accept the account furnished and the property delivered by or for a predecessor trustee without liability for so doing, and such acceptance shall be a full and complete discharge to the predecessor trustee. 24. The laws of the Commonwealth of pennsylvania shall govern the interpretation and validity of the provi- sions of this instrument and all questions relating to the management, administration, investment and distribution of the trusts hereby created. 25. For all purposes of this instrument an adopted child of any person and his or her descendants by blood or adoption shall have the same rights and otherwise shall be considered the same as if such adopted child had been a child by blood of the adopting parents or parent, except that in no event_shall Daphine Miller or Kelly Miller, or any descendant of either of them, be considered descendants of my son, Joseph Miller. -'- ._,~ 26. I reserve the folloWing rights and powers which may be exercised from time to time: (al By written instrument delivered to the trustee to amend or revoke this instrument and the trusts hereby evidenced, in whole or in part, except that, if amended, the duties, powers and responsibilities of the trustee Shall not be changed substantially without the trustee's written consent. -16- -~~...~~_. J to this 1983. (b) All benefits, privileges, payments, annuities, dividends, surrender values, options and elections available to me under the poli- cies of insurance payable to the trustee, in- cluding the right to change the beneficiary named in the policies, to deposit, assign, transfer or pledge them as collateral security for any loan which I may obtain from any lend- er, including the trustee individually, and to withdraw policies deposited with the trustee. The trustee need not see that a policy is re- turned to the trustee's custody. '" Wi'"o"" Who,oof, , h.," ::\ my h~."' ""., amending instrument this /~ day Of, ~/~ , /) . _?/~.J - -- /i '. .7. /(--l~' . L:{ / -/~ / Paul A. Miller (Seal) ing instrument as of the day and year last above written. The undersigned consents to the foregoing amend- By As -17- I hereby certify that written notice 0' (Y'0 """, \his AccOUnt, and of the dale, time and pia"", when the same wtll be preeenled to the COllrt for conftrmatioll and 01 \he lee! day to me wrill,,' objection6 to 88\d AcllO\lflt, haS been given '0 (Nefl/ unpaid cllIimlIJlland to every other perse known to the llOOQUI1llIlll to have Of ClaIm an interest in the estate as creditor, beneficia' y, heir or next of kin, ~::i ~~S en @ i~ ~ r- I en ~iilt;! ~ "- ~ !i~ ...:i <XI ~ ~ Ul ' "- ~2U 8 N 8~~~ '< '" ..; ~ ~ ~ :l 0 t-- ~ ~~~ ~ ~~~ 0 ~ ...:i :l !-<..-: .". '" ~ ~;~~ ~ g ~ - '" ~ ~ ~ ,A ~ " > z ~" P< Cl o ~ .". " ,.. ~ N UI I ~Q~ o (/J 1;; r .. H H U "z ~ 8! ~ e; CI '" "d ~ z L -w ~ z~z ~ :t 0.. ~ Z ~ il1 i'J t; ~ Z H o 0 0 H til ~ ~ c 2 -< c:; :r ~ ~ o r.J.l::l ~ ~ 0 t:: z ~ 5 ~ H ~ ~ < ~u ~ H Cl ~ -e~lOU etfll.UfM peptll-?U! SUM .1UEM..lJ91BlS t:l!~!;' ~C\ ';"00" - 'upf '" )X9U JO ""4 '!Je"'4~U.. 'JOIfP601O lIIl _ 9lll UI)8Ql91U! uw W11llO K' "^e", ollU81Unoooe 8llI 0I1HIIOUlf LlO8Jed J94IO !.J9J\9 01 PU' lueWfVl'l Pfll<lun I.JIMB 01 UllJl!I\ ueeq ll9ll 'IJOI\f1QiJ\< peeodoJd JO ~lewBI816 P!Il8 OIllUOjpalqo ue~ Elt!I OIMlp """ llljl JO P<l8 ''''flill''''flI''lO JOj l.In08. 01 p8I<HMI8Jd eq 111M _ "'ll U9qM """Id Due 9" '~ "4l '" pull 'UOfl/lClIIllIIO pesodoJd '" jue",O," S141joSuml"'lllO_U_Il3tIl",'," ' COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE BUREAU OF INDIVIDUAL TAXES DEPT. 2B0601 HARRISBURG, PA 17128-0601 REV-1162 EX(11-96) RECEIVED FROM: PENNSYLVANIA INHERITANCE AND ESTATE TAX OFFICIAL RECEIPT RISCH CARL C 10 EAST HIGH STREET CARLISLE, PA 17013 -------- fold ESTATE INFORMATION: SSN: 167-14-5837 FILE NUMBER: 2104-0255 DECEDENT NAME: MILLER PAUL A DA TE OF PAYMENT: 04/13/2005 POSTMARK DATE: 04/13/2005 COUNTY: CUMBERLAND DATE OF DEATH: 07/18/2004 NO. CD 005195 ACN ASSESSMENT CONTROL NUMBER AMOUNT 101 I $7,525.62 I I I I I I I I TOTAL AMOUNT PAID: $7,525.62 REMARKS: C RISCH CHECK# 111 SEAL INITIALS: VZ RECEIVED BY: REGISTER OF WILLS GLENDA FARNER STRASBAUGH REGISTER OF WILLS '~:hF~"--" /~~rr~' . '" t,ly that wrllllln notk:a of the. fiUng 01 this ,i\o"'ent of Proposed OIatI1bution, and of the dale. '1'1e am place when the lI8fTl8 wII be preeanlad 10 B Court for "'" 6,IWlIlIori and 01 the IeeI dieIi to fMa .rten objections \0 Hid 9tBlemao~ 01 Propoeed . s.nbution, has been given 10 fWef'( unpaid claimant ,nd to 8118ry other paraon known 10 tha accountant to" '.ava .)1 claim an ~ In the _ as creditor, .l~nehci..r'l, hair or naxt oIldn. .., .;0py Gi 5:iiu Statei"nem was induded with the notice. :;10:;1~ ~~s:: ij ~~ d ~ ~ :I: i;j t; ~ ::! ;:;! ~ ~o-I ~ ~ ~ ~ ;,02= ~ ~ r-1 tI ;:1~~()~~~~ -.:::J~cno~ b \;;' <~ ~ ~ 0 8 ~~ ~ S ~ ~; ~ Q~~ ' s: > c: '" .., > !: ;:: ~ O~ ":I o ~ H en ~ ., ~I'i~ HBJ":I 08H ~zfij~ cO enl-i;lofl ~~.~ ~ 0~~ ~t:l~ en . g , I ffi ~ ijl~ Gl ~o~ ~ ~ !ll' Ui ~ ~ c t:'" H ?' N ., O"d '- ~ I!!i ~Iz H 00 t:'" '- i enen"d H ~'~ ~ '" -J '" ti:JfiJ 'lll~ 10 lXell JO J!e4 . A,e,oyaueq . JCI!paJO $ll ~1llSll Ellll U! l1l9JSllll ue w,elO JO 9^B4 0\ llJlIIIlI1000ll Ellll 0\ uMOU~ '}Slad Ja410 !.Je^e 0\ pull tuWJ!lllO P!edun Ne~ 0\ UG^,O uaaq S'll4 'lUflOOO'<f P!ll8 0\ ~qo ,811!JM illY 01 kepl9ll\ EllllIO pull UO!l8WJllllOO ~ ,,110:) 1141 0\ palUll88.Kl aq 111M awBll Q(.\l1JS4^" 3~Bld pue awll 'elll\l S4\ jO pUll 'IUrIOOO\f ,lI14l '.",,, c",:; 10 eo~ou uellPM 1l!4IAmJeo ~qeJe4 I "' ~ ~ ::l :'5"'" .. .. '" '" o 0 ~ I -"" 0- ~ 0. ~ r;;- l'Aj),)'< :;-::'J -"il> """ C '" ~~ ='=!::: ':T", :T' :::- ~~ a> CD 0 c: 0 !. ~ =: g _(I)OC' ?"Q::Ja '" 0 CDOJ~g ....(')0_ _ ':To!'" .....'" .'?-~ BUREAU OF INDIVIDUAL TAXES INHERITANCE TAX DIVISIoN": -.." ,- PO BO)( Z8D60l HARRISBURG PA 17128-0601 COMMONWEALTH OF PENNSYLVANIA DEPARTMENT OF REVENUE NOTICE OF INHERITANCE TAX APPRAISEMENT, ALLOWANCE OR DISALLOWANCE OF DEDUCTIONS AND ASSESSMENT OF TAX ZOGS ~1:\Y 20 H1l2: 41 DATE ESTATE OF DATE OF DEATH FILE NUMBER COUNTY ACN 05-16-2005 HILLER 07-18-2004 21 0"-0255 CUMBERLAND 101 CLERK OF CARL C RIOO~S CCURT MARTSON ~M.:'Ti':' if' en 10 E HIGH ST CARLISLE PA 17013 '* REV-1547 EX AFP (03-D5) PAUL A Amount R..i tted MAKE CHECK PAYABLE AND REMIT PAYMENT TO: REGISTER OF WILLS CUMBERLAND CO COURT HOUSE CARLISLE, PA 17013 CUT ALONG THIS LINE ~ RETAIN LOWER PORTION FOR YOUR RECORDS ~ nV-"M~,."ft.m.m~'1m1.'lmn't!1!.tII!'.!JMftn'lM!l!'.mr.lWAlTftMMT~.'la:[WlM!lr.aTr.............. ... DISALLOWANCE OF DEDUCTIONS AND ASSESSMENT OF TAX ESTATE OF MILLER PAUL A FILE NO. 21 0"-0255 ACN 101 DATE 05-16-2005 TAX RETURN WAS: I X I ACCEPTED AS FILED I CHANGED I~ an assessment was issued previously. lines 14. 15 and/or 16. 17. 18 and 19 will re~lect ~1gures that include the total ~ ~ returns assessed to date. ASSESSMENT OF TAX: 15. AIIo...t of Line 14 at Spousal ~..t. 115 I 16. A~t of Line 14 tax8ble at line.l/el.55 A rat. (16) 17. A.ount of Line 14 at Sibling rat. (17) 18. A.aunt of Line 14 taxable .t Collateral/Class Brat. (18) 19. Principal Tax Due C RESERVATION CONCERNING FUTURE INTEREST - SEE REVERSE APPRAISED VALUE OF RETURN BASED ON: ORIGINAL RETURN 1. R..l Est.t. (Schedule A) 2. Stocks and Bonds (Schedule B) 3. Closely Held stock/Partnership Interest (Schedule C) ct. ~rtga9llslNot.s Receivable (Schedule D) 5~ Cash/Bank DepositslHisc. Personal Property (Schedule E) 6. Jointly Owned Property (Schedule F) 7. Transfers (Sch8dule G) 8. Tot.l Assets III (2) (3) (4) 151 (6) 171 .00 15.061. 20 .00 .00 28.325.44 .00 8....,..03.38 (8) APPROVED DEDUCTIONS AND EXEMPTIONS: 9. Funeral Expenses/Ad.. Costs/Misc. ExPenses (Schedule H) 10. Debts/Kortgage.Liabilities/Lians (Schedule I) 11. Total Deductions 12. Net Value of Tax Return 13. Charitable/Governmental Bequests; Non-elected 9113 Trusts (Schedul. J) 14. N.t Value of Est.te Subject to Tax (9) (10) 36,475.31 8.055.29 Ill) (12) 1131 1141 NOTE: .00 X 8"3,259."2 X .00 X .00 X . INTEREST/PEN PAID 1-) 1,521.05 .00 AHOONT PAID 28,900.00 7,525.62 DATE 10-15-2004 04-13-2005 NUI1BER CD004501 CD005195 ~ TOTAL TAX CREJlIT BALANCE OF TAX DUE INTEREST AND PEN. TOTAL DUE 00 = 045 = 12 = 15 = (19)= NOTE: To insure proper credit to your 8ccountl sub.it the upper portion of this fo~ with your tax payment. 887,790.02 44.~3n ;In 843,259."2 .00 8<t3,259.42 .00 37,946.67 .00 .00 37,9"6.67 37,%6.67 .00 .00 .00 . IF PAID AFTER DATE INDICATED, SEE REVERSE FOR CALCULATION OF ADDITIONAL INTEREST. IF TOTAL DUE IS LESS THAN $1, NO PAYKENT IS REQUIRED. IF TOTAL DUE IS REFLECTED AS A "CREDIT" ICR), YOU HAY BE DUE A REFUND. SEE REVERSE SIDE OF THIS FDRM FOR INSTRUCTIONS.I F:\FILES\DA T AFILE\EST A TESlllJOS.laccounl IN RE: ESTATE OF IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA ORPHANS' COURT DIVISION NO. 21-04-0255 PAUL A. MILLER, DECEASED FIRST AND FINAL ACCOUNT OF CARL C. RISCH, ADMINISTRATOR D.B.N. C.T.A. OF THE ESTATE OF PAUL A. MILLER, LATE OF LOWER ALLEN TOWNSHIP, CUMBERLAND COUNTY, PENNSYLVANIA Date of Death: Date of Administrator's Appointment: Letters Advertised: The Patriot News: Cumberland Law Journal- Accounting for the period: July 18,2004 October 19, 2004 November 19, 26, December 3, 2004 November 19, 26, December 2, 2004 July 18, 2004 - July 1, 2005 Purpose of the Account: Carl C. Risch, Administrator d.b.n. c.t.a., offers this account to acquaint interested parties with the transactions that have occurred during the administration. The account also indicates the proposed distribution of the estate. It is important that the Account be carefully examined. Requests for additional iuformation or questions or objections can be discussed with: Carl C. Risch, Esquire MARTSON DEARDORFF WILLIAMS & OTTO 10 East High Street Carlisle, PA 17013 (717) 243-3341 SUMMARY OF ACCOUNT Page Current Value No. [Date) Proposed Distribution to Beneficiaries: 5 $ 18,173.87 PRINCIPAL Receipts Net Gains (Losses) on Disposition 2-3 3 Less Disbursements 3-4 Principal Balance on Hand INCOME Receipts Less Disbursements 4 5 Income Balance on Hand COMBINED BALANCE ON HAND RECEIPTS OF PRINCIPAL Fiduciary Acquisition Value $ 18,173.87 62,895.46 4.634.72 67,530.18 -49593.10 17,937.08 236.79 0.00 236.79 $ 18.173.87 Fiduciary Acquisition Value 326 shares Prudential Financial Waypoint Bank, Checking Account No. 100074251 Costeas Auction, proceeds of auction of personal property New York Life Annuity No. 58096248 payable to estate MM/Mars, July pension Joel Mayon, refund of securitylkey deposit P A Dept. of Revenue, 2004 income tax refund Mars Incorporated, pension payments for Aug-Nov, 2004 (incorrectly paid) Prudential, Policy No. 19200961, proceeds payable to estate Prudential, Policy No. 22337523, proceeds payable to estate NYLife, Policy No. 20372708, proceeds payable to estate NYLife, Policy No. 17667760, proceeds payable to estate -2- $ 15,061.20 6,918.67 572.00 18,940.58 1,800.19 94.00 36.00 5,40057 1,663.49 6,311.37 1,884.91 1,124.45 NYLife, Policy No. 21611833, proceeds payable to estate TOTAL RECEIPTS OF PRINCIPAL 3.088.03 $ 62,895.46 GAINS AND LOSSES ON DISPOSITION GAIN/LOSS 326 shares Prudential: 07/18/04 Cost 02/17/05 Sale Proceeds $15,061.20 18.971.17 $ 3,909.97 NYLife Annuity No. 58096248: 07/18/04 Cost 12/13/04 Redemption Proceeds TOTAL GAINS ON DISPOSITION 18,940.58 19.665.33 724.75 $ 4,634.72 DISBURSEMENTS OF PRINCIPAL 07/19/04 Linda Wagner, outstanding check #474 $ 1,072.50 07/20/04 Linda Wagner, outstanding check #475 396.00 07/31/04 Service Charge 1.00 12/27/04 Verizon, final payment 85.63 12/27/04 Martson Deardorff Williams & Otto, costs advanced: Copies $ 66.50 Filing fees, resignation/renunciations 47.00 Overnight mail 12.64 Cumberland Law Journal: Advertising Letters of Administration 75.00 The Patriot News: Advertising Letters of Administration 211.81 Postage 5.32 Death certificates for Esther Miller 61.00 Short certificates 15.00 Appraisal fee, personal property 90.00 Storage unit rental fee for December, 2004 83.74 668.01 12/30/04 Storage unit rental fee for January, 2005 83.74 01/26/05 Sheperdstown Family Practice 5.99 01/28/05 PA Unemployment Compensation Fund, 2004 taxes 241.37 01/28/05 Kuntz Lesher, preparation of employer and income tax 570.00 information 02/04/05 Mobile X-Ray Imaging, Inc. 20.39 -3- 02/18/05 Register of Wills, filing fee, inheritance tax return 02/22/05 Mars Incorporated, refund of overpayment of pension 04/13/05 Register of Wills, Agent, Inheritance Tax 03/30/05 P A Unemployment Compensation Fund 04/12/05 U.S. Treasury, 2004 individual income taxes OS/24/05 Reinsel Kuntz Lehser, accounting services Reserved Joseph A. Miller, account payable for services as attorney-in-fact Reserved McNees, Wallace & Nurick, account payable for estate administration services Reserved Joseph A. Miller, retainer paid to McNees for estate administration expenses Reserved Martson Deardorff Williams & Otto, costs advanced: Electronic research to value stock Short Certificates Postage Additional probate fee Filing fee, account Miscellaneous filing fees and expenses $ 1.55 8.00 7.32 55.00 130.00 500.00 Reserved Martson Deardorff Williams & Otto, attorney fees TOTAL DISBURSEMENTS OF PRINCIPAL PRINCIPAL BALANCE ON HAND Current Value 07/01105 M&T Bank, estate checking account $ 48.762.45 $ 48,762.45 TOTAL RECEIPTS OF INCOME Waypoint Checking, interest through closing Prudential Financial, 12/20/04 dividend M&T Bank, interest through 07/01/05 TOTAL RECEIPTS OF INCOME -4- 15.00 5,400.57 7,525.62 50.70 2,583.00 285.00 4,695.00 3,191.71 2,000.00 701.87 20.000.00 $ 49,593.10 Fiduciary Acquisition Value $ 48.762.45 $ 48,762.45 $ 3.98 203.75 29.06 236.79 $ DISBURSEMENTS OF INCOME None $ $ 0.00 0.00 TOTAL DISBURSEMENTS OF INCOME PROPOSED DISTRIBUTION TO BENEFICIARIES Current Value 07/01105 Fiduciary Acquisition Value Per Section 4 of said Will: TO: Joseph Miller Cash $ 6,057.95 $ 6,057.95 TO: Gregory Miller Cash 6,057.96 6,057.96 TO: Marcia Lentz Cash 6.057.96 6.057.96 TOTAL BALANCE FOR DISTRIBUTION $ 18,173.87 $ 18,173.87 COMMONWEALTH OF PENNSYLVANIA ) COUNTY OF CUMBERLAND ) Carl C. Risch, Administrator d.b.n. c.t.a. of the Estate of Paul A. Miller, deceased, hereby declares under oath that he has fully and faithfully discharged the duties of his office; that the foregoing First and Final Account is true and correct and fully discloses all significant transactions occurring during the accounting period; that all known claims against the estate have been paid in full or are reserved for payment; that, to his knowledge, there are no claims now outstanding against the Estate that have not been accounted for herein; and that all taxes presently due from the estate have been paid. CQ:Jn Carl C. Risch, Administrator d.b.n. c.t.a. Sworn and subscribed to before me this ,,<f<v day of July, 2005. f ~",:r;::x-~ ) Notary Public NOTARIAL SEAL CORRINE L. MYERS. NOTARY PUBLIC CARLISLE BORO, COUNTY OF CUMBERLAND MY COMMISSION EX'''RES MAY 27,2007 -5- WILL OF PAUL A. MILLLER Lawrence F. Hinnenkamp Attorney at Law 227 North Duke Street P.O. Box 1515 Lancaster, Pennsylvania 17608 phone 717-394-8221 WILL OF PAUL A. MILLER I, PAUL A. MILLER, Township of Lower Allen, County of Cumberland, Commonwealth of Pennsylvania, declare this to be my last will and I revoke all earlier wills and codicils. SECTION 1. My wife, ESTHER K. MILLER, and I own as tenants by the entireties all the furniture, rugs and other household effects situate in or about our home. SECTION 2. If my wife survives me I give my tangible personal property to my wife. Cu. SECTION 3. If my wife does not survive me, . . I givE'? to children who survive so much of my tangible personal property: they may agree, in such shares as they determine, and the re~"t9^of ;c such property shall be made a part of my general estate. SECTION 4. All the rest, residue and remainder of my estate I give to my trustees under the Agreement of Trust executed by me, prior to the execution of this Will, on the 19th day of November, 1998, to be administered in accordance with the terms of that Agreement and any amendment that I may make to it hereafter; provided, however, that in any instance where a share in the principal or income of my residuary estate would be distributable to a beneficiary under the aforesaid Agreement as soon as received by the trustees, my executors may make distribution directly to such beneficiary. SECTION 5. In the administration of my estate and any trust created in this will: 5.1 If not provided otherwise in any deed or will, all estate, inheritance, succession, and other death taxes payable by reason of my death, and penalties thereon, with respect to all property that is a part of my estate for death tax purposes, whether or not such property passes under this Will, shall be paid out of my estate as if it were an expense of administration, without apportionment or right of reimbursement or contribution from anybody. This provision concerning taxes does not apply to property that is a part of my estate only because it is qualified terminable interest property for federal estate tax purposes. 5.2 Withdrawals shall be made from an IRA or other qualified plan at least as rapidly as under the method of distribution in effect on Settlor's death or as required under Internal Revenue Code Section 401 (a) (9) . 5.3 All references herein to children or descendants of mine or of any person shall include any child or descendant lawfully adopted as such either before, on or after the date hereof. 2. -' 5.4 Anything to the contrary herein notwithstanding, any reference to children or descendants or issue of mine shall exclude DAPHNE MILLER and KELLY MILLER and any descendant of either of them. 5.5 If my wife and I die simultaneously or undeL circumstances that are such that the order of our deaths is uncertain, I direct that I shall be deemed to predecease my wife irrespective of any provision of law establishing another presumption. 5.6 Before actual payment to a beneficiary, no interest in income or principal shall be assignable by the beneficiary or available to anybody having a claim against the beneficiary. 5.7 Income from any trust shall not be apportioned between a deceased income beneficiary and any succeeding beneficiary, and all income undistributed at the death of an income beneficiary shall be treated as if it had accrued after such death. 5.8 A fiduciary may make authorized distributions in cash or in kind. 5.9 The trustee at any time may terminate any trust if the value thereof is less than Fifty Thousand ($50,000.00) Dollars. On such termination the trustee shall pay the principal and any accumulated income of the trust to the beneficiary or beneficiaries entitled at that time to the income therefrom in the proportions to which they were entitled to receive the income, and on such termination the rights of any other person -3- who might otherwise have an interest as a succeeding tenant or in remainder shall cease. 5.10 Any distribution to any person who is a minor or who is, in the fiduciary's opinion, disabled and unable to properly manage that person's funds, may be paid to that person's parent or guardian or to any person or organization caring for that person. In the case of a minor, the fiduciary may also appoint and pay the funds to a custodian for the minor under the Uniform Transfer or Gift to Minors Act of the state in which the minor resides. 5.11 If not terminated sooner, the trustee shall terminate any trust held by the trustee twenty-one (21) years after the death of the last to die of me, my wife, and such of my descendants as are living at the time of my death. On such termination the trustee shall pay the principal and any accumulated income of the trust to the beneficiary or beneficiaries entitled at that time to the income therefrom in the proportions to which they were entitled to receive the income, and on such termination the rights of any other person who might otherwise have an interest as a succeeding tenant or in remainder shall cease. 5.12 Without the approval of any court and without the authorization of any person, the trustee at any time may combine any trust with any other trust held by the trustee, whether created by me or another and whether created by will or deed, if _w'_ ! the terms of the trusts are then substantially similar and held for the benefit of the same beneficiary or beneficiaries. 5.13 A fiduciary may allocate receipts and expenses to income or principal or partly to each as the fiduciary shall determine from time to time in the fiduciary!s discretion, and a fiduciary may also establish (or not establish) reserves or allowances for depletion or depreciation, in such amounts and at such rates (if any) as the fiduciary shall determine from time to time in the fiduciary's discretion, regardless of whether and to what extent income tax deductions are allowable in respect of such receipts, reserves, or allowances. SECTION 6. Any fiduciary appointed in this will, or any duly appointed successor, may exercise the powers given by law and those given by this will and, in addition thereto and without any order of court and in the discretion of such fiduciary, may: 6.1 Retain any property which at any time is a part of my estate, including stock in or obligations of a corporate fiduciary, regardless of risk or lack of diversification; 6.2 Invest and reinvest in any property without restriction to legal investments, including any common trust fund or proprietary mutual fund maintained by a corporate fiduciary and including stock in or obligations of a corporate fiduciary; 6.3 Exercise any option, right or privilege to subscribe for and purchase or acquire stockf bonds, notes, mortgages or ~- -~ other property, real or personal, including stock in or obligations of a corporate fiduciary, without responsibility for lack of diversification in consequence of so doing. 6.4 Vote securities, in person or by proxy, including stock in a corporate fiduciary, and in such connection delegate discretionary powers; 6.5 Repair, alter, improve or lease any property for any period of time, and give options for leases; 6.6 Retain any part or all of any business interest so long as the fiduciary considers it advisable to do so, and conduct, alone or with another or others, any business in which I am engaged or in which I have an interest at my death, with all the powers of an owner with respect thereto, including the powers to delegate discretionary duties to another or to others, to pay adequate compensation to any such person, to invest other property in such business, and to incorporate it or change its form; 6.7 Sell at public or private sale, for cash or credit, with or without security; exchange or partition property; and give options for sales or exchanges; 6.8 Borrow money from any person or entity, including the fiduciary, and mortgage or pledge any property. 6.9 Compromise or abandon claims; 6.10 Add to the principal of any trust created in this will any property received from any person by deed, will or in any -t- other way; and as to the trustee, receive proceeds of life insurance policies or other property before or after any distribution is made to the trustee by the executor; 6.11 Withdraw all or any part of an IRA, or fractional share of an IRA, designate a beneficiary of a trust to receive any remaining payments directly, or delegate to a beneficiary of a trust the right to withdraw at any time all or part of an IRA, or fractional share of an IRA; 6.12 Disclaim any interest which might otherwise be transferred or distributed to me from any other person, estate, trust, or other entity; and, 6.13 Retain investment counsel at the expense of the estate or trust. SECTION 7. Concerning fiduciaries: 7.1 No fiduciary, and no duly appointed successor, shall be required to give or enter into any bond or security in any jurisdiction. 7.2 A corporate fiduciary shall be compensated periodically in accordance with the schedule of compensation of the fiduciary currently in effect when the services are performed. 7.3 A fiduciary may make court accounting, but the approval of an account by the then current beneficiary or beneficiaries, or in the case of a minor beneficiary by a parent of the minor, shall be a full discharge of a fiduciary. When there is another -7- fiduciary, no accounting shall be r~quired of an individual fiduciary or such fiduciary's personal representative because of the fiduciary's death or resignation as a fiduciary. 7.4 The word "fiduciary" in this will includes an executor, a trustee and a guardian; unless the sense is otherwise, each of these words includes its plural. A male form of pronoun includes the female. SECTION 8. I appoint my wife, ESTHER K. MILLER, executrix of this will. If my wife for any reason whatsoever, is unable or unwilling to serve as executrix or, having qualified, is unable or unwilling to continue to serve, I appoint my son, JOSEPH A. MILLER, as alternate or successor executor. If my son for any reason whatsoever, is unable or unwilling to serve as executor or, having qualified, is unable or unwilling to continue to serve, I appoint HARRIS SAVINGS BANK as second alternate or successor executor. IN WITNESS WHEREOF, I have hereunto set my hand and seal this 19th day of November, 1998. I ;/ //', PAUL A. MILLER ,J..,l.i"C (SEAL) t:'__ .'-'e) Signed, sealed, published and declared by the above as and for a last will in the presence of us, who have hereunto subscribed our names as witnesses at the request and in the presence of the above and in the presence of each other. . ~""'"' - ""\. ., c.: ('\. 'r. ..\ ~~' (,~~\ ( ~~M / " . \ ' ~) -'1-- STATE OF PENNSYLVANIA SS: COUNTY OF LANCASTER I, PAUL A. MILLER, having been duly qualified according to law, acknowledge that I signed the foregoing instrument as my will, and that I signed it as my free and voluntary act for the purposes therein expressed. i. f "..'.'!;.Ci'; PAUL A. MILLER We, having been duly qualified according to law, depose and say that we were present and saw PAUL A. MILLER sign the foregoing instrument as his will; that he signed it as his free and voluntary act for the purposes therein expressed; that each of us in his sight and hearing and at his request signed the will as witnesses; and that to the best of our knowledge he was at that time 18 or more years of age, of sound mind and under no Subscribed, sworn to or affirmed, and acknowledged before me by the above- named testator and by the witnesses whose names appear opposite on (\);:~;./rt'.1;;...t:~.r-lq~ 19 q?< constraint or undue influence. - ~-.:\\'\ n f\ Ii ~. CCA&f) .' \ ~ Wl tj1e s \_ ' , ---1""-:,:;/ '"J ( \\~~t W~tn,ss \ .- '-/ /, jl v Notary Public ~J/.d j - - ,Y- -10- (l) H .r< g. Ul i>l _ c: c: o jg II l?i5'" 9 li c: . .- O~15o."f <= 0", e. 2! ~ l ~ '&1 ~ O~gil~5 i~ll~~~~ iii~lgf~~~ '~~!'a~ill ~lt"~il I~ fEiiB~~~~ iJ~1.i ~~'i ~ ~!t~ti!~~ ~f.slJ ~Ig . ~ "5" .sl j l 1:I,Ji f , :~!j"l5~': ~ "5 ,l ($II ~ "Idth-, IJflhlJH fil:i,!!iii 'h~8 Ihi'15 !~~~f t~!! (l) H .r< g. Ul i>l .c , () Ul 'pj U .-< 8 \3::1 15~ \~ ~, ~~z i ~~~ \;H~ Ii) ((\ ~~U) Po<U)U) (l) (/)~ ~i~ ~ 8~a.; Po<Cl ~ ~fil ~ .~' 3 SJ: , - ~ G~t;;;zr; 8 -E-< E-< ~ Ii)~~ gj ~~~~ ct 8 z~<Q I o ~ ;::J }-o?i N Cl . 0 V);n r--. E-< 8- .. ~ ~ ('l'; ~ . :2Q~u~z~ , gJ Po< .a "" ~ <>J ~ ~ t:- ~ (/) ~~ ..0 CJ . r/J xc:-.. I.'< .0: ~ z ~ . - z r:\ ou C~g~:;;::lO d' ...:l E-<~~ (/) t; 0::: J'" ::c f- .;> ..... ~ ~ 0:" 2. g z'c;! (L1 ~~~ ... Q <: ....:i Po< ;2 ~ < ~u b (/)0 --~~. ~~ \\ ~c~ \'Q '" "'" 1; ~ ~~ ~ r ~z ..-1 '" l' t"~i=-3 ~ \:6Ctn~~ j, ?~~~ r ~ u:.8 ';C \!l '?, Z C () o _A ~ ~ dZ \ '*' '..0 0: if> ~ Cl ?'~~~ .. \~~ CJ~c;?;' "" ~ ?g%~ t! ~Z~""~ -./':.<WO' Cl ~- n- to. \ N~..-1Ci; 0 '~~~b - ~ d\ .... '9. ~ 't. "" l' '-f't.\3.~?' ~ ~ ~ ~" "Q~<! ~~~\ ~ ~ ....,..... 0 .... (fltP. ,..... -.l ';'l r ~m ~\ o if> r c;, ~ '> ~\~ r ~ a ~ zo I; o~ ~~ ;z. \ \ \ \ .., f ~ ~ \ ~ ~ t " U\\\'\\\l ~ l\urtti I-' 0 ~ ~ \ \~ . i5,g ~.oc. ?1. ~~~\tl \ \ tn , g. i\\\\l~\t ,. ~ ' \g.i~~ Hiill\i\ i ,%. II Ill. ~1~~ '"' (\) '"' h\ i\ -~\ (\) \ \51 it-!l Ifft if r l!S519. t \\ l~\H U.utl! "i~~g :::: i - l hH _ ~-gl~ cB ~a . ~:J 9.. REGISTER OF WILLS OF CUMBERLAND COUNTY STATUS REPORT UNDER RULE 6.12 (For Resident Decedents Dying After July 1, 1992) Name of Decedent: PAUL A. MILLER Date of Death: July 18,2004 File No. : 21-04-00255 Social Security No.: 167-14-5837 Pursuant to Rule 6.12 of the Supreme Court Orphans' Court Rules, I report the following with respect to completion of the administration of the above-captioned estate: 1. State whether administration of the estate is complete: Yes x No 2. if the answer is No, state when the personal representative reasonably believes that the administration will be complete: 3. if the answer to No.1 is Yes, state thefollowing: a. Did the personal representative file a final account with the Court? Yes x No b. The separate Orphans' Court No. (if any) for the personal representative's account is: c. Did the personal representative state an account informally to the parties in interest? Supplemental Account subsequent to First and Final filed with court. Yes x No d. and a rovals offormal or informal accounts n Co t and may be attached to this report. Signature: Name: Address: Carl C. Risch, Esquire MARTSON DEARDORFF WILLIAMS & OTTO Ten East High Street Carlisle, P A 17013 (717) 243-3341 Personal Representative Date: December 9, 2005 ,:,,) F\FILES\~ATrFJLE\~T~TgS\11305,l,srep " is Vb'